Rizal Commercial Banking Balance Sheet

Financials in millions PHP. Fiscal year is January - December.

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	35,970	134,066	130,608	123,017	122,512	140,836
Investment Securities	406,621	420,230	355,272	376,431	225,639	98,044
Trading Asset Securities	16,007	9,456	11,778	7,037	5,631	3,715
Total Investments	422,628	429,686	367,050	383,468	231,270	101,759
Gross Loans	749,567	694,683	606,403	521,661	493,673	439,351
Allowance for Loan Losses	-24,240	-20,130	-17,395	-16,030	-18,264	-19,193
Other Adjustments to Gross Loans	-659	-584	-826	-902	-615	-689
Net Loans	724,668	673,969	588,182	504,729	474,794	419,469
Property, Plant & Equipment	7,115	6,830	7,957	10,263	11,746	12,095
Goodwill	426	426	426	426	426	426
Other Intangible Assets	2,191	3,451	3,409	3,363	3,252	3,151
Investments in Real Estate	745	695	543	2,616	3,572	3,725
Accrued Interest Receivable	9,573	10,258	9,519	7,828	7,372	5,677
Other Receivables	8,930	9,168	8,103	4,704	4,911	4,589
Restricted Cash	62,862	51,303	83,701	76,582	65,074	49,539
Other Current Assets	27,735	24,255	24,209	29,353	29,353	26,142
Long-Term Deferred Tax Assets	6,847	6,052	5,775	3,740	3,206	3,044
Other Real Estate Owned & Foreclosed	-	3,391	2,694	1,546	-	-
Other Long-Term Assets	3,811	5,654	5,496	1,926	1,255	1,478
Total Assets	1,314,682	1,360,153	1,238,332	1,154,108	959,133	772,106
Accounts Payable	10,204	35,080	10,197	7,756	7,963	8,811
Accrued Expenses	-	5,222	5,550	4,492	4,236	4,106
Interest Bearing Deposits	998,019	1,023,694	958,110	858,372	672,501	535,788
Total Deposits	998,019	1,023,694	958,110	858,372	672,501	535,788
Short-Term Borrowings	1,885	3,635	1,690	2,116	926	1,484
Current Portion of Long-Term Debt	-	66,874	75,800	98,242	54,731	28,764
Current Portion of Leases	-	1,889	1,791	1,236	998	957
Current Income Taxes Payable	10,781	1,301	1,337	571	538	507
Accrued Interest Payable	-	5,144	5,195	3,365	1,323	1,287
Other Current Liabilities	5,423	5,368	7,273	9,335	7,514	4,896
Long-Term Debt	131,344	46,677	9,997	42,895	88,432	74,891
Long-Term Leases	4,305	3,453	4,896	4,264	3,052	3,428
Long-Term Unearned Revenue	1,003	730	824	612	657	226
Pension & Post-Retirement Benefits	-	-	40	1,986	2,501	2,993
Other Long-Term Liabilities	3,040	2,595	3,357	2,505	2,681	2,590
Total Liabilities	1,166,004	1,201,662	1,086,057	1,037,747	848,053	670,728
Preferred Stock, Convertible	3	3	3	3	3	3
Common Stock	24,195	24,195	24,195	22,509	22,509	22,509
Additional Paid-In Capital	58,228	58,228	58,228	42,493	42,505	42,568
Retained Earnings	70,216	67,480	61,510	52,650	42,889	37,704
Treasury Stock	-	-	-	-9,287	-9,287	-13,719
Comprehensive Income & Other	-3,970	8,579	8,333	7,985	12,443	12,296
Total Common Equity	148,669	158,482	152,266	116,350	111,059	101,358
Minority Interest	6	6	6	8	18	17
Shareholders' Equity	148,678	158,491	152,275	116,361	111,080	101,378
Total Liabilities & Equity	1,314,682	1,360,153	1,238,332	1,154,108	959,133	772,106
Total Debt	137,534	122,528	94,174	148,753	148,139	109,524
Net Cash (Debt)	-60,557	20,994	84,011	-9,975	-8,305	48,383
Net Cash Growth	-	-75.01%	-	-	-	-
Net Cash Per Share	-24.09	8.68	38.22	-4.90	-4.20	24.99
Filing Date Shares Outstanding	2,420	2,420	2,420	2,037	2,037	1,936
Total Common Shares Outstanding	2,420	2,420	2,420	2,037	2,037	1,936
Book Value Per Share	61.45	59.52	56.95	50.01	47.41	44.89
Tangible Book Value	146,052	154,605	148,431	112,561	107,381	97,781
Tangible Book Value Per Share	60.36	57.92	55.37	48.15	45.60	43.04

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.