Rizal Commercial Banking Ratios and Metrics

Market cap in millions PHP. Fiscal year is January - December.

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 17, 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
Market Capitalization	58,069	62,787	60,125	55,649	48,288	40,750
Market Cap Growth	-4.00%	4.43%	8.04%	15.24%	18.50%	11.51%
Last Close Price	24.00	25.95	24.21	21.45	21.11	17.28
PE Ratio	5.92	6.40	7.14	4.99	4.37	6.66
PS Ratio	1.20	1.30	1.33	1.30	1.26	1.30
PB Ratio	0.38	0.42	0.38	0.37	0.42	0.37
Debt / Equity Ratio	0.94	0.94	0.77	0.62	1.28	1.33
Net Debt / Equity Ratio	-0.12	-0.12	-0.09	-0.55	0.09	0.08
Net Debt / FCF Ratio	0.34	0.34	0.29	0.99	-1.38	-0.15
Return on Equity (ROE)	6.82%	6.82%	6.13%	9.10%	10.62%	6.67%
Return on Assets (ROA)	0.78%	0.78%	0.73%	1.02%	1.14%	0.82%
Earnings Yield	16.90%	16.82%	15.83%	21.95%	25.02%	17.38%
FCF Yield	-93.68%	-86.64%	-84.96%	-153.34%	-14.99%	-135.75%
Dividend Yield	2.92%	-	2.89%	4.73%	5.12%	3.58%
Payout Ratio	26.66%	26.66%	37.27%	26.92%	19.11%	26.79%
Buyback Yield / Dilution	-	-	-10.10%	-7.90%	-2.93%	-2.22%
Total Shareholder Return	2.92%	-	-7.21%	-3.18%	2.19%	1.35%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.