Rizal Commercial Banking : RCBC's 1H 2021 Net Income
August 16, 2021 at 09:43 am EDT
Share
1H 2021 Net Income Results
Media Briefing
16 August 2021
9:30 AM
Agenda
1 1H 2021 Net Income Results Presentation
Ms. Christina P. Alvarez
RCBC Corporate Information Officer and
Head of Corporate Planning Group
Mr. Bennett D. Santiago
RCBC Chief Credit Officer and
Head of Credit Management Group
2 Economic Overview and Outlook
Mr. Michael L. Ricafort
RCBC Chief Economist
3 Question and Answer
2
1H 2021 NET INCOME PRESENTATION
Ms. Chrissy P. Alvarez
RCBC Corporate Information Officer and
Head of Corporate Planning Group
Mr. Bennett D. Santiago
RCBC Chief Credit Officer and
Head of Credit Management Group
3
Sustained profit growth as loans and deposits build-up performed better than industry
16.9B
3.3B
484B
598B
104B
15.1%
Revenues1
Net Income
Loans2
Deposits
Capital
CAR
+13%
+7%
+10%
+20%
+23%
Profitability
Growth
Resilience
Core income expanded driven by higher business volume and better funding costs
6th largest private universal bank in terms of assets, loans, deposits and trust assets (from 7th in 2019)
Capital ratios remain well above regulatory requirement
Net interest margin steadied at 4.1%, and
Raised PhP 4.5B from the strategic
ROE at 6.5%
3.4x increase in Investment Securities and
investment of Sumitomo Mitsui Banking
9% expansion in customer loans underpinned
Corporation
Subdued increase in costs due to savings
by the 28% jump in low-cost CASA deposits,
from digital efforts and channel
accelerated faster than industry
10% of the Bank‟s loan portfolio is
rationalization
eligible under Green and Sustainable
financing
Main Business Lines
Corporate Banking
SME Banking
Retail Banking
Trust and
Consumer Loans
Credit Cards
Investments
(Auto, Housing, Salary)
Bancassurance
Foreign Exchange
Microfinance
Investment Banking
Leasing
Securities
Brokerage
434 Branches
2,807 ATMs3
6,003 Employees
[1]
Excluding trading and FX gains
[3] Includes 1,272 ATMs and 1,535 ATM Go terminals--RCBC's handheld ATM facility that enables
4
[2]
Loans and receivables net of allowances and interbank loans
banking transactions outside branches and ATMs, and through partner merchants.
RCBC is the
BEST DIGITAL BANK
IN THE PH FOR TWO YEARS IN A ROW
2021 International Business
2021 Business Tabloid,
2021 Alpha Southeast Asia
Magazine
A London-based publication
Best Financial Institution Awards
2020 Alpha Southeast Asia
2020 Asiamoney
Best Financial Institution Awards
Best Bank Awards
5
This is an excerpt of the original content. To continue reading it, access the original document here.
Attachments
Original document
Permalink
Disclaimer
RCBC - Rizal Commercial Banking Corporation published this content on 16 August 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 16 August 2021 13:42:02 UTC.
Rizal Commercial Banking Corporation is a Philippines-based universal bank. The Company's segments include Retail, Corporate, Small and Medium Enterprises (SME), Treasury and Others. The Retail segment offers a wide range of consumer banking products and services. Products offered include individual customer's deposits, credit cards, home and mortgage loans, auto, personal and microfinance loans, overdraft facilities, payment remittances and foreign exchange transactions. The Corporate segment handles various customer segments, such as conglomerates, large corporations and emerging corporates, which focus on large middle accounts often referred to as the Next 500 Corporations, among others. The SME segment handles the financial needs of the country's small businesses or the SMEs and the commercial middle market segments. The Treasury segment principally provides money market, trading and treasury services, as well as the management of the Company's funding operations.
RIZAL COMMERCIAL BANKING CORPORATION 
