Rizal Commercial Banking Corporation (PSE:RCB)

Rizal Commercial Banking Balance Sheet

Financials in millions PHP. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	76,415	134,066	130,608	123,017	122,512	140,836
Investment Securities	484,989	420,230	355,272	376,431	225,639	98,044
Trading Asset Securities	-	9,456	11,778	7,037	5,631	3,715
Total Investments	484,989	429,686	367,050	383,468	231,270	101,759
Gross Loans	750,216	694,683	606,403	521,661	493,673	439,351
Allowance for Loan Losses	-	-20,130	-17,395	-16,030	-18,264	-19,193
Other Adjustments to Gross Loans	-	-584	-826	-902	-615	-689
Net Loans	750,216	673,969	588,182	504,729	474,794	419,469
Property, Plant & Equipment	7,654	6,830	7,957	10,263	11,746	12,095
Goodwill	-	426	426	426	426	426
Other Intangible Assets	-	3,451	3,409	3,363	3,252	3,151
Investments in Real Estate	713	695	543	2,616	3,572	3,725
Accrued Interest Receivable	-	10,258	9,519	7,828	7,372	5,677
Other Receivables	-	9,168	8,103	4,704	4,911	4,589
Restricted Cash	-	51,303	83,701	76,582	65,074	49,539
Other Current Assets	-	24,255	24,209	29,353	29,353	26,142
Long-Term Deferred Tax Assets	6,171	6,052	5,775	3,740	3,206	3,044
Other Real Estate Owned & Foreclosed	-	3,391	2,694	1,546	-	-
Other Long-Term Assets	19,396	5,654	5,496	1,926	1,255	1,478
Total Assets	1,345,554	1,360,153	1,238,332	1,154,108	959,133	772,106
Accounts Payable	-	35,080	10,197	7,756	7,963	8,811
Accrued Expenses	-	5,222	5,550	4,492	4,236	4,106
Interest Bearing Deposits	971,793	1,023,694	958,110	858,372	672,501	535,788
Total Deposits	971,793	1,023,694	958,110	858,372	672,501	535,788
Short-Term Borrowings	-	3,635	1,690	2,116	926	1,484
Current Portion of Long-Term Debt	-	66,874	75,800	98,242	54,731	28,764
Current Portion of Leases	-	1,889	1,791	1,236	998	957
Current Income Taxes Payable	-	1,301	1,337	571	538	507
Accrued Interest Payable	10,210	5,144	5,195	3,365	1,323	1,287
Other Current Liabilities	-	5,368	7,273	9,335	7,514	4,896
Long-Term Debt	145,778	46,677	9,997	42,895	88,432	74,891
Long-Term Leases	-	3,453	4,896	4,264	3,052	3,428
Long-Term Unearned Revenue	-	730	824	612	657	226
Pension & Post-Retirement Benefits	-	-	40	1,986	2,501	2,993
Other Long-Term Liabilities	57,831	2,595	3,357	2,505	2,681	2,590
Total Liabilities	1,185,612	1,201,662	1,086,057	1,037,747	848,053	670,728
Preferred Stock, Convertible	3	3	3	3	3	3
Common Stock	24,195	24,195	24,195	22,509	22,509	22,509
Additional Paid-In Capital	58,228	58,228	58,228	42,493	42,505	42,568
Retained Earnings	67,687	67,480	61,510	52,650	42,889	37,704
Treasury Stock	-	-	-	-9,287	-9,287	-13,719
Comprehensive Income & Other	9,823	8,579	8,333	7,985	12,443	12,296
Total Common Equity	159,933	158,482	152,266	116,350	111,059	101,358
Minority Interest	6	6	6	8	18	17
Shareholders' Equity	159,942	158,491	152,275	116,361	111,080	101,378
Total Liabilities & Equity	1,345,554	1,360,153	1,238,332	1,154,108	959,133	772,106
Total Debt	145,778	122,528	94,174	148,753	148,139	109,524
Net Cash (Debt)	-26,525	20,994	84,011	-9,975	-8,305	48,383
Net Cash Growth	-	-75.01%	-	-	-	-
Net Cash Per Share	-10.93	8.68	38.22	-4.90	-4.20	24.99
Filing Date Shares Outstanding	674.44	2,420	2,420	2,037	2,037	1,936
Total Common Shares Outstanding	674.44	2,420	2,420	2,037	2,037	1,936
Book Value Per Share	237.13	59.52	56.95	50.01	47.41	44.89
Tangible Book Value	159,933	154,605	148,431	112,561	107,381	97,781
Tangible Book Value Per Share	237.13	57.92	55.37	48.15	45.60	43.04

Updated Feb 26, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.