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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	55,028	126,742	128,066	130,608	123,017	122,512
Investment Securities	429,320	383,892	420,230	355,272	376,431	225,639
Trading Asset Securities	19,370	12,375	9,456	11,778	7,037	5,631
Total Investments	448,690	396,267	429,686	367,050	383,468	231,270
Gross Loans	774,712	747,138	694,683	606,403	521,661	493,673
Allowance for Loan Losses	-24,923	-23,056	-20,130	-17,395	-16,030	-18,264
Other Adjustments to Gross Loans	-595	-636	-584	-826	-902	-615
Net Loans	749,194	723,446	673,969	588,182	504,729	474,794
Property, Plant & Equipment	7,888	7,154	6,830	7,957	10,263	11,746
Goodwill	426	426	426	426	426	426
Other Intangible Assets	2,401	3,357	3,451	3,409	3,363	3,252
Investments in Real Estate	779	768	695	543	2,616	3,572
Accrued Interest Receivable	9,277	11,156	10,258	9,519	7,828	7,372
Other Receivables	8,336	12,540	9,168	8,103	4,704	4,911
Restricted Cash	63,684	34,454	57,303	83,701	76,582	65,074
Other Current Assets	29,032	23,453	24,831	24,209	29,353	29,353
Long-Term Deferred Tax Assets	6,873	6,331	6,052	5,775	3,740	3,206
Other Real Estate Owned & Foreclosed	-	4,553	3,391	2,694	1,546	-
Other Long-Term Assets	4,627	4,575	5,078	5,496	1,926	1,255
Total Assets	1,387,478	1,356,436	1,360,153	1,238,332	1,154,108	959,133
Accounts Payable	9,033	13,060	33,687	10,197	7,756	7,963
Accrued Expenses	-	5,680	5,222	5,550	4,492	4,236
Interest Bearing Deposits	1,063,185	1,026,253	1,023,694	958,110	858,372	672,501
Total Deposits	1,063,185	1,026,253	1,023,694	958,110	858,372	672,501
Short-Term Borrowings	3,650	6,015	3,635	1,690	2,116	926
Current Portion of Long-Term Debt	4,130	67,512	66,874	75,800	98,242	54,731
Current Portion of Leases	-	1,861	1,889	1,791	1,236	998
Current Income Taxes Payable	11,273	881	1,301	1,337	571	538
Accrued Interest Payable	-	5,775	5,144	5,195	3,365	1,323
Other Current Liabilities	9,939	5,270	5,252	7,273	9,335	7,514
Long-Term Debt	125,605	62,441	46,677	9,997	42,895	88,432
Long-Term Leases	5,229	3,569	3,453	4,896	4,264	3,052
Long-Term Unearned Revenue	1,007	899	730	824	612	657
Pension & Post-Retirement Benefits	-	-	-	40	1,986	2,501
Other Long-Term Liabilities	5,004	6,051	4,104	3,357	2,505	2,681
Total Liabilities	1,238,055	1,205,267	1,201,662	1,086,057	1,037,747	848,053
Preferred Stock, Convertible	3	3	3	3	3	3
Common Stock	24,195	24,195	24,195	24,195	22,509	22,509
Additional Paid-In Capital	58,228	58,228	58,228	58,228	42,493	42,505
Retained Earnings	73,340	72,601	67,480	61,510	52,650	42,889
Treasury Stock	-	-	-	-	-9,287	-9,287
Comprehensive Income & Other	-6,349	-3,863	8,579	8,333	7,985	12,443
Total Common Equity	149,414	151,161	158,482	152,266	116,350	111,059
Minority Interest	6	5	6	6	8	18
Shareholders' Equity	149,423	151,169	158,491	152,275	116,361	111,080
Total Liabilities & Equity	1,387,478	1,356,436	1,360,153	1,238,332	1,154,108	959,133
Total Debt	138,614	141,398	122,528	94,174	148,753	148,139
Net Cash (Debt)	-29,152	18,360	14,994	84,011	-9,975	-8,305
Net Cash Growth	-	22.45%	-82.15%	-	-	-
Net Cash Per Share	-11.65	7.59	6.20	38.22	-4.90	-4.20
Filing Date Shares Outstanding	2,420	2,420	2,420	2,420	2,037	2,037
Total Common Shares Outstanding	2,420	2,420	2,420	2,420	2,037	2,037
Book Value Per Share	61.75	62.48	59.52	56.95	50.01	47.41
Tangible Book Value	146,587	147,378	154,605	148,431	112,561	107,381
Tangible Book Value Per Share	60.58	60.91	57.92	55.37	48.15	45.60