Yuchengco-led Rizal Commercial Banking Corp. (RCBC) posted a 20-percent growth in its unaudited consolidated net income to ₱5.3 billion in the first half of 2025 on the strength of its core business.

In a disclosure to the Philippine Stock Exchange (PSE), the bank said its core business continued to lead growth, posting a 33-percent increase in net interest income with a net interest margin (NIM) of 4.57 percent, up from 3.71 percent in the same period last year.

Core business expansion was primarily driven by a 14-percent increase in the customer loan portfolio, with consumer lending contributing the highest uplift at 38 percent.

Credit cards and personal loan volumes cumulatively grew by 47 percent, auto loans by 46 percent, and housing loans by 24 percent, with effective cross-selling initiatives supporting the strong momentum across all segments of the consumer portfolio.

RCBC's loan and income growth is augmented by its wide range of digital finance solutions, which make banking intuitive and accessible for a wider range of customers.

Digital transaction volumes have increased by 28 percent as the bank continues to expand its digital user base.

“We're going to make data-driven decision-making a core part of our way of doing things, so that we can make intelligent and resourceful decisions when we engage our clients,” said RCBC President and Chief Executive Officer (CEO) Reggie Cariaso.

He added that, "We're investing in ways that we can understand our clients and get all their financial needs met through RCBC."

RCBC's capital position remains strong at ₱163 billion, posting a seven-percent increase in line with increased earnings. The bank's capital ratios are sufficiently buffered at 16.21-percent capital adequacy ratio (CAR) and 13.71-percent Common Equity Tier 1 (CET1).

As of June 30, 2025, RCBC's network consisted of 470 bank branches, 1,488 automated teller machines (ATMs), and 6,549 ATM Go terminals strategically located nationwide.