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Rizal Commercial Banking
Rizal Commercial Banking (RCB) investor relations material
Rizal Commercial Banking Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net income for the nine months ended September 30, 2025 reached P8.2 billion, up from P6.2 billion year-over-year, driven by higher net interest income and improved cost efficiency.
Total assets stood at P1.31 trillion, with loans and receivables comprising 58.9% of total resources.
The bank redeemed P14.5 billion in hybrid perpetual securities and issued new sustainability bonds during the period.
Financial highlights
Net interest income rose 32% year-over-year to P40.8 billion, representing 87.3% of total operating income.
Total interest income increased by 9.3% to P63.9 billion, while interest expense decreased by 16.2%.
Other operating income declined by 13.4% to P5.9 billion, mainly due to lower trading gains and higher foreign exchange losses.
Operating expenses increased by 11.6% to P26.0 billion, driven by higher employee benefits and credit card-related costs.
Earnings per share (basic and diluted) for the nine months was P3.07, up from P2.22 year-over-year.
Outlook and guidance
Management does not anticipate any material adverse impact from current trends, events, or uncertainties on future income.
No significant off-balance sheet transactions or material changes in contingent liabilities were reported.
Explain capital fund changes impact on CAR/CET1.
What caused the decline in other operating income?
Analyze net interest income growth drivers.
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Next Rizal Commercial Banking earnings date
Q4 202525 Feb, 2026
Rizal Commercial Banking
Next Rizal Commercial Banking earnings date
Q4 202525 Feb, 2026
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