RIZAL Commercial Banking Corporation (RCBC) recorded a 13.5% year-on-year increase in pre-provision operating profit to ₱23.6 billion for the first nine months of 2026, supported by improved interest margins and core banking performance. Amid a tighter business environment, the Bank maintained prudent credit provisioning and reported an unaudited consolidated net income of ₱5.0 billion.
Consolidated gross income grew 9.0% to ₱51.0 billion, supported by a 15.2% increase in net interest income to ₱47.1 billion. Net interest margin widened by 37 basis points to 5.05%, reflecting steady asset yields and lower funding costs. Total resources expanded 8.2% to ₱1.42 trillion, while deposits reached ₱1.07 trillion.
With macroeconomic challenges still evident, RCBC maintained a measured approach to loan growth, prioritizing tighter credit underwriting and selective lending to safeguard portfolio quality. Gross customer loans grew 6.3% year-on-year to ₱812.5 billion.
The bank deepened its customer engagement across retail and digital channels, serving a total of 7 million customers and 1.6 million credit cardholders. Its partnership with the Social Security System (SSS) expanded through the MySSS Card integrated with DiskarTech and electronic contribution channels via BancNet EGov. RCBC deployed 9,663 QR Cash kits for device-free cardless withdrawals, supporting a network of 7,095 physical and digital cash terminals, including 1,534 traditional ATMs and 5,561 ATM Go community units, as well as 473 branches and branch-lite units, as of September 30, 2026.
The Bank reinforced balance sheet resilience through precautionary credit provisioning and continued focus on asset quality. Operating efficiency improved, with the cost-to-income ratio declining by 181 basis points to 53.76%. Capital remained solid, with a Capital Adequacy Ratio (CAR) of 13.18% and Common Equity Tier 1 (CET1) ratio of 12.30%, both above regulatory minimums.
“We remain focused on building a stronger and more resilient bank by growing responsibly and putting our customers at the center of what we do,” said Reginaldo B. Cariaso, President and Chief Executive Officer of RCBC. “By strengthening our payments capabilities and expanding partnerships, we are creating more ways to serve our customers while positioning RCBC for sustainable long-term growth.”
RCBC has garnered 34 awards across 2026. Key citations include Euromoney recognizing the bank as the Best Bank for Large Corporates as well as Philippines’ Best for Next Gen. The Bank also made it to the list among the Best Companies in Asia-Pacific by Statista, ranking eighth among all Philippine corporations.
