Corporate Profile
Rizal Commercial Banking Corporation (RCBC) is the 5th largest privately owned universal banks in the Philippines, with over Php1.3 trillion in total resources as of June 30, 2024.
For over 60 years, RCBC has been building a reputation for providing the best customer experience, award-winning digital banking services, and pioneering innovations. The Bank offers a wide range of banking and financial products and services to cater to diverse customer segments. It provides consumer, commercial and corporate lending products, deposits and cash management solutions, treasury products, remittance services, and mobile banking services.
RCBC and its nine subsidiaries also offer traditional banking, investment banking, retail financing (auto, mortgage/housing loans, credit cards and microfinance loans), remittance, leasing, foreign exchange and stock brokering.
Customers
RCBC drives customer acquisition across various retail segments and corporate accounts of all sizes. It is also a favored digital banking brand.
Apart from credit or lending products, the Bank also has a full range of cash management solutions and other corporate services such as escrow and loan agency to address the various requirements of corporates which include top 1,000 corporations, emerging conglomerates, and Chinese markets. As the first local bank to establish a Japan Desk, its dealings with Japanese companies are some of the most extensive of any local bank.
Through its microfinance arm, Rizal Microbank, RCBC is able to address the requirements of microenterprise and small business operators, as well as value chain players particularly in the agricultural sector. Rizal Microbank operates in key areas in Luzon, Visayas, and Mindanao with a network of 18 branches.
Aligning with its commitment to reach more unbanked Filipinos, RCBC introduced DiskarTech in 2021, the Philippines' pioneering Tagalog-English financial inclusion "super app". This innovation aims to enhance accessibility for Filipinos residing in remote areas and grassroots communities. Notably, the app has already recorded a total of 5.4 million downloads, reflecting its positive impact.
In the retail space, RCBC boasts of some of the most comprehensive product suites. From the high net worth and affluent customers, to the underbanked, RCBC has developed a set of solutions to address each of these segments’ unique requirements.
Delivery Channels
RCBC has extensive delivery channels to better serve its growing customer base.
As of June 30, 2024, it has:
- an extensive network of 458 branches
- 1,486 ATMs
- 6,836 ATM Go terminals with presence across all 82 provinces of the country
- Internet and mobile banking (IOS and Android applications)
Industry Awards & Recognition
A pioneer in financial services, RCBC has received numerous awards and citations from various institutions and publications such as World Finance (Best Banking Group in the Philippines), and AI Global Awards (Best in Private Banking). The Bank has also been recognized for its recent digital efforts for inclusive and accessible digital banking during this pandemic such as World Economic Magazine (Best Bank for Digital & Best Bank for Financial Inclusion), Asiamoney (Best Bank for Digital Solutions in the Philippines), Asia Pacific Enterprise Awards (2020 Most Inspirational Brand-Financial Services Industry), Asia IOT Business Platform Award (2020 Enterprise Innovation), and International Innovation Awards (Best Digital Inclusion Initiative - Service & Solution).
RCBC also received recognition from international award-giving bodies for taking the lead in financing some of the country’s major infrastructure projects from the Asset Triple A and Benchmark Awards, and the Asian Banking and Finance (ABF) Corporate and Investment Banking Awards.
Mission & Vision
Our Mission
We are a leading universal bank providing quality Integrated Financial Services that best meet our clients’ needs.
We are committed to: Conducting our business with utmost integrity, excellence, and commitment as responsible corporate citizens; and,
Providing professional growth opportunities to develop a talented base of officers and employees, and achieving the best returns for our stockholders.
Our Vision
To be the most admired and trusted profitable financial services group providing and adapting to customers’ changing needs - for every Filipino worldwide - through innovative products, excellent service and a highly motivated, committed and impassioned team.
Core Values
In line with our vision to be strongly synergized with the rest of YGC and with the end goal of promoting and projecting a strong YGC identity/brand to our customers and the general public, the YGC Human Resources (HR) Council undertook a thorough review of the corporate values of all YGC member-companies to derive common standards for behavioral excellence and arrive at common appellations therefor.
The review resulted in the indication of five (5) YGC Core Values, to wit:
- Passion for Excellence - striving to be great and not just good; improving our results continuously.
- Sense of Urgency - doing things fast; taking the initiative to respond to the needs of various stakeholders, internal and external clients.
- Professional Discipline - possessing strong work ethic; deserving trust and respect; using bank funds and property (including time) prudently; acting with fairness and objectivity; being accountable for actions.
- Loyalty - being good corporate citizens; pursuing corporate interests as one's own; speaking well of the company & taking pride in its achievements.
- Teamwork - tapping areas of synergy actively; collaborating toward shared goals.
Board of Directors & Senior Management
Patriarch and Founder
Ambassador Alfonso T. Yuchengco
Patriarch and Founder
Board of Directors
Helen Y. Dee
Chairperson
Cesar E.A. Virata
Corporate Vice Chairman
Eugene S. Acevedo
President &
Chief Executive OfficerGil A. Buenaventura
Director
Armando M. Medina
Director
John Law
Director
Shih-Chiao (Joe) Lin
Director
Gayatri P. Bery
Director
Hiroki Nakatsuka
Director
Katsufumi Uchida
Director
Juan B. Santos
Lead Independent Director
Gabriel S. Claudio
Independent Director
Vaughn F. Montes Ph.D.
Independent Director
Laurito E. Serrano
Independent Director
Erika Fille T. Legara Ph.D.
Independent Director
Advisory Board
Masayuki Kawakami
Advisory Board Member
Francis C. Laurel
Advisory Board Member
Atty. Lilia B. de Lima
Advisory Board Member
Yvonne S. Yuchengco
Advisory Board Member
Senior Management
Reginaldo Anthony B. Cariaso
Operations Group
Elizabeth E. Coronel
Corporate Banking
Richard C. Lim
Retail Banking
Alberto Magno N. Pedrosa
Treasury
Bennett Clarence D. Santiago
Credit Management
Angelito M. Villanueva
Digital Enterprise, Innovation & Inclusion
Ma. Christina P. Alvarez
Corporate Planning
Atty. George Gilbert G. dela Cuesta
Legal Affairs
Brent C. Estrella
Compliance & Regulatory Affairs
Florentino M. Madonza
Controllership
Jacqueline Grace B. Wieneke
Wealth Management
Rowena F. Subido
Human Resources
Martin Roberto G. Tirol
Global Transaction Banking
Juan Gabriel R. Tomas IV
Risk Management
Ma. Pamela Katrina M. Cabudoy
Data Science and Analytics
Atty. Ramil M. De Villa
Consumer Loans
Sheila Ricca G. Dioso
Internal Audit
Anna Christina M. Vicente
Small and Medium Enterprise Banking
Nilo C. Zantua
Information Technology Shared Services Group
Atty. Angeluz B. Torres-Guerzon
Asset Management & Remedial
Head of Subsidiaries
Arsenio Kenneth M. Ona
RCBC Capital Corporation
Joseph Colin B. Rodriguez
RCBC Forex Brokers Corporation
Arniel Vincent B. Ong
RCBC Bankard
Ismael S. Reyes
Rizal Microbank
Raoul V. Santos
RCBC Securities Inc.
Jose Jayson L. Mendoza
RCBC Leasing and Finance Corporation
Organizational Chart
Conglomerate Map
Following is the PMMIC/ YGC Conglomerate and the RCBC Group Structure:
Articles of Incorporation and By-Laws
Shareholding Structure
2023
Top 100 Stockholders
01/15/2023 Top 100 shareholders of RCBC Common as of 31 December 2022 RCBC Ownership: Public Ownership
01/15/2023 RCBC Public Ownership as of December 31, 2022
2022
Top 100 Stockholders
01/15/2022 Top 100 shareholders of RCBC Common as of 31 December 2021 RCBC Ownership: Public Ownership
01/15/2022 RCBC Public Ownership as of December 31, 2021
2021
Top 100 Stockholders
01/15/2021 Top 100 shareholders of RCBC Common as of 31 December 2020 RCBC Ownership: Public Ownership
01/15/2021 RCBC Public Ownership as of December 31, 2020
2020
Top 100 Stockholders
01/15/2020 Top 100 shareholders of RCBC Common as of 31 December 2019 RCBC Ownership: Public Ownership
01/15/2020 RCBC Public Ownership as of December 31, 2019
2019
Top 100 Stockholders
01/15/2019 Top 100 shareholders of RCBC Common as of 31 December 2018 RCBC Ownership: Public Ownership
01/15/2019 RCBC Public Ownership as of December 31, 2018
2018
Top 100 Stockholders
01/15/2018 Top 100 shareholders of RCBC Common as of 31 December 2017 RCBC Ownership: Public Ownership
01/15/2018 RCBC Public Ownership as of December 31, 2017
2017
Top 100 Stockholders
RCBC Ownership: Public Ownership
09/30/2017 RCBC Public Ownership as of September 30, 2017 06/30/2017 RCBC Public Ownership as of June 30, 2017 04/19/2017 RCBC Public Ownership as of March 31, 2017 RCBC Ownership: Foreign Ownership