Rizal Commercial Banking Corporation (PSE:RCB)
Philippines · Delayed Price · Currency is PHP 23.05
+0.05 (0.22%)
At close: Aug 7, 2026
Rizal Commercial Banking Balance Sheet
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Assets
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 |
Liabilities
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 |
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 |
Shareholders' Equity
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 |
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 |
Additional Metrics
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 |
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 |