Rizal Commercial Banking Income Statement

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	Jun '26 Jun 30, 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
Interest Income on Loans	72,183	69,793	61,051	49,407	34,970	31,900
Interest Income on Investments	16,579	16,278	18,032	16,882	10,865	5,211
Total Interest Income	88,762	86,071	79,083	66,289	45,835	37,111
Interest Paid on Deposits	20,576	23,151	31,108	28,035	10,057	4,059
Interest Paid on Borrowings	7,243	6,772	5,474	4,625	4,562	4,221
Total Interest Expense	27,819	29,923	36,582	32,660	14,619	8,280
Net Interest Income	60,943	56,148	42,501	33,629	31,216	28,831
Net Interest Income Growth	24.14%	32.11%	26.38%	7.73%	8.27%	9.70%
Trust Income	-	-	-	-	415	392
Income From Trading Activities	286	599	1,495	444	-37	863
Gain (Loss) on Sale of Assets	1	657	1,352	6,714	3,088	101
Gain (Loss) on Sale of Equity Investments	-	-	-	-	32	12
Other Non-Interest Income	5,580	5,873	8,060	8,820	8,850	6,195
Total Non-Interest Income	5,867	7,129	10,907	15,978	12,348	7,563
Non-Interest Income Growth	-39.40%	-34.64%	-31.74%	29.40%	63.27%	-34.98%
Revenues Before Loan Losses	66,810	63,277	53,408	49,607	43,564	36,394
Provision for Loan Losses	19,355	14,951	8,337	6,677	5,347	5,013
Revenue	47,455	48,326	45,071	42,930	38,217	31,381
Revenue Growth	-0.23%	7.22%	4.99%	12.33%	21.78%	9.96%
Salaries and Employee Benefits	9,411	9,058	8,059	7,150	6,563	6,371
Occupancy Expenses	6,283	6,311	5,805	5,607	5,945	5,840
Selling, General & Administrative	845	793	629	501	322	324
Other Non-Interest Expense	18,455	17,944	16,478	15,513	11,670	9,261
Total Non-Interest Expense	34,994	34,106	30,971	28,771	24,500	21,796
EBT Excluding Unusual Items	12,461	14,220	14,100	14,159	13,717	9,585
Asset Writedown	-49	-49	-282	-211	-359	-1,035
Legal Settlements	-1,024	-918	-830	-823	-600	-739
Other Unusual Items	-	-	-	390	890	-
Pretax Income	11,388	13,253	12,988	13,515	13,648	7,811
Income Tax Expense	2,065	2,695	3,468	1,298	1,568	728
Earnings From Continuing Operations	9,323	10,558	9,520	12,217	12,080	7,083
Minority Interest in Earnings	-	1	-	1	-	-1
Net Income	9,323	10,559	9,520	12,218	12,080	7,082
Preferred Dividends & Other Adjustments	180	745	1,096	1,068	1,037	964
Net Income to Common	9,143	9,814	8,424	11,150	11,043	6,118
Net Income Growth	-1.75%	16.50%	-24.45%	0.97%	80.50%	30.17%
Basic Shares Outstanding	2,422	2,420	2,420	2,198	2,037	1,979
Diluted Shares Outstanding	2,422	2,420	2,420	2,198	2,037	1,979
Shares Change	-0.38%	-	10.10%	7.90%	2.93%	2.22%
EPS (Basic)	3.78	4.06	3.48	5.07	5.42	3.09
EPS (Diluted)	3.78	4.06	3.48	5.07	5.42	3.09
EPS Growth	-1.36%	16.50%	-31.38%	-6.43%	75.36%	27.34%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.810	0.810	0.700	1.014	1.080	0.618
Dividend Growth	15.71%	15.71%	-30.97%	-6.11%	74.76%	27.42%
Effective Tax Rate	18.13%	20.34%	26.70%	9.60%	11.49%	9.32%