- CEO
- Reginaldo Anthony B. Cariaso
- Sector
- Finance
- Industry
- Major banks
- Address
- Makati Philippines
- IPO Date
- Nov 6, 1986
- Business
- Rizal Commercial Banking Corporation is a Philippines-based universal bank that provides a comprehensive range of commercial, retail, and corporate banking and financial services to individual, small and medium enterprise, corporate, and institutional clients. The company operates through several core business segments, including Retail Banking, Corporate and Commercial Banking, Small and Medium Enterprises Banking, Treasury and Global Markets, Wealth Management, and Trust and Investments. Its product and service offerings comprise deposit and cash management solutions, including savings accounts, checking accounts, time deposits, foreign currency deposits, payroll services, and liquidity management; consumer and corporate financing facilities, including residential mortgages, auto loans, personal loans, microfinance credit, working capital lines, commercial term loans, syndicated lending, project finance, and trade finance; payment and card products, comprising credit cards, debit cards, prepaid cards, merchant point-of-sale acquiring, and electronic funds transfer services; wealth management and fiduciary solutions, including unit investment trust funds, customized portfolio management, trust administration, investment advisory, and securities brokerage; treasury and capital market activities, including foreign exchange trading, fixed-income distribution, interest rate hedging, money market instruments, and structured financial products; and digital banking platforms, anchored by the RCBC Pulz mobile banking application, the DiskarTech financial inclusion super app, and the RCBC Online Corporate banking portal. The bank operates specialized financial subsidiaries, including RCBC Capital Corporation for investment banking and underwriting, RCBC Securities, Inc. for stock brokerage, RCBC Trust Corporation for standalone fiduciary and trust operations, RCBC Leasing and Finance Corporation, RCBC Rental Corporation, Rizal Microbank, Inc. for thrift and microfinance banking, and RCBC Forex Brokers Corporation. Headquartered in Makati City, Philippines, and founded in 1960 as a member of the Yuchengco Group of Companies, the bank maintains an extensive domestic network of branches and automated teller machines across the Philippines, alongside international remittance hubs and overseas partner alliances. In recent major developments, the bank deepened its strategic partnership with Japan-based Sumitomo Mitsui Banking Corporation through expanded equity participation and joint business initiatives in corporate and sustainable financing; completed the corporate spin-off and commercial operation of its standalone trust entity, RCBC Trust Corporation; executed multi-billion peso sustainability bond issuances under its ASEAN Sustainability Bond framework to fund green and social assets; launched and enhanced its next-generation digital banking platform RCBC Pulz with integrated digital payment capabilities such as UnliPay; and partnered with public transport and financial infrastructure stakeholders to implement open-loop automated fare collection systems using international contactless payment standards.