By Helgi Library - February 20, 2020
RCBC made a net profit of PHP 1,867 mil under revenues of PHP 10,901 mil in the third quarter of 2019, up 83.9% and 64.9% ...
By Helgi Library - February 20, 2020
RCBC made a net profit of PHP 1,867 mil under revenues of PHP 10,901 mil in the third quarter of 2019, up 83.9% and 64.9% ...
By Helgi Library - February 20, 2020
RCBC's customer deposits reached PHP 332,961 mil in 2016-09-30, up 4.11% compared to the previous year. Filipino banking sector...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | PHP mil | 16,156 | 18,255 | 20,678 |
| Net Fee Income | PHP mil | 3,458 | 3,417 | 3,601 |
| Other Income | PHP mil | 3,076 | 3,357 | 2,202 |
| Total Revenues | PHP mil | 22,690 | 25,029 | 26,481 |
| Staff Cost | PHP mil | 5,408 | 5,991 | 6,562 |
| Operating Profit | PHP mil | 5,600 | 6,752 | 7,004 |
| Provisions | PHP mil | 1,770 | 2,155 | 1,899 |
| Net Profit | PHP mil | 4,054 | 3,985 | 4,268 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | PHP mil | 33,182 | 29,649 | 30,374 |
| Customer Loans | PHP mil | 286,131 | 329,306 | 353,717 |
| Total Assets | PHP mil | 521,193 | 553,988 | 644,595 |
| Shareholders' Equity | PHP mil | 62,133 | 67,027 | 81,170 |
| Interbank Borrowing | PHP mil | 16,002 | 34,246 | 50,601 |
| Customer Deposits | PHP mil | 353,077 | 388,412 | 423,399 |
| Issued Debt Securities | PHP mil | 74,010 | 48,154 | 69,356 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 6.74 | 6.17 | 5.76 |
| ROA | % | 0.782 | 0.741 | 0.712 |
| Costs (As % Of Assets) | % | 3.30 | 3.40 | 3.25 |
| Costs (As % Of Income) | % | 75.3 | 73.0 | 73.6 |
| Capital Adequacy Ratio | % | 16.2 | 15.5 | 16.1 |
| Net Interest Margin | % | 3.12 | 3.40 | 3.45 |
| Loans (As % Of Deposits) | % | 81.0 | 84.8 | 83.5 |
| NPLs (As % Of Loans) | % | 1.04 | 1.33 | 1.19 |
| Provisions (As % Of NPLs) | % | 242 | 178 | 238 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 11.6 | 19.4 | 11.0 | |
| Price/Book Value (P/BV) | 0.756 | 1.16 | 0.578 | |
| Dividend Yield | % | 0 | 0.997 | 2.16 |
| Earnings Per Share (EPS) | PHP | 2.70 | 2.65 | 2.59 |
| Book Value Per Share | PHP | 41.4 | 44.6 | 49.3 |
| Dividend Per Share | PHP | 0 | 0.514 | 0.616 |
Get all company financials in excel:
| summary | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||||||||||||
| Net Interest Income | PHP mil | 11,399 | 13,311 | 14,967 | 15,814 | 16,156 | ||||||||||||||||||||||||
| Total Revenues | PHP mil | 22,467 | 22,878 | 22,069 | 22,139 | 22,690 | ||||||||||||||||||||||||
| Operating Profit | PHP mil | 9,101 | 8,404 | 7,833 | 7,044 | 5,600 | ||||||||||||||||||||||||
| Net Profit | PHP mil | 6,220 | 5,321 | 4,411 | 5,105 | 4,054 | ||||||||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||||||
| Interbank Loans | PHP mil | 5,879 | 7,537 | 16,600 | 19,701 | 33,182 | ||||||||||||||||||||||||
| Customer Loans | PHP mil | 202,734 | 245,922 | 261,574 | 299,119 | 286,131 | ||||||||||||||||||||||||
| Debt Securities | PHP mil | 101,975 | 97,279 | 106,145 | 114,571 | 78,851 | ||||||||||||||||||||||||
| Total Assets | PHP mil | 364,095 | 421,869 | 457,905 | 516,061 | 521,193 | ||||||||||||||||||||||||
| Shareholders' Equity | PHP mil | 42,973 | 44,808 | 53,131 | 58,129 | 62,133 | ||||||||||||||||||||||||
| Interbank Borrowing | PHP mil | ... | ... | ... | ... | 38,345 | ... | ... | 16,002 | |||||||||||||||||||||
| Customer Deposits | PHP mil | 246,757 | 297,853 | 315,761 | 342,362 | 353,077 | ||||||||||||||||||||||||
| Issued Debt Securities | PHP mil | 58,927 | 24,867 | 73,206 | 98,704 | 74,010 | ||||||||||||||||||||||||
| ratios | ||||||||||||||||||||||||||||||
| ROE | % | ... | 15.4 | 12.1 | 9.01 | 9.18 | 6.74 | |||||||||||||||||||||||
| ROA | % | ... | 1.75 | 1.35 | 1.00 | 1.05 | 0.782 | |||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 3.77 | 3.68 | 3.24 | 3.10 | 3.30 | |||||||||||||||||||||||
| Costs (As % Of Income) | % | 59.5 | 63.3 | 64.5 | 68.2 | 75.3 | ||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.6 | 16.5 | 15.4 | 15.7 | 16.2 | |||||||||||
| Net Interest Margin | % | ... | 3.21 | 3.39 | 3.40 | 3.25 | 3.12 | |||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 50.7 | 58.2 | 67.8 | 71.4 | 71.2 | ||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 10.6 | 11.8 | 11.8 | 17.0 | 15.2 | ||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 27.4 | 25.5 | 43.7 | 31.3 | 31.6 | ||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 11.8 | 10.6 | 11.6 | 11.3 | 11.9 | ||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 82.2 | 82.6 | 82.8 | 87.4 | 81.0 | ||||||||||||||||||||||||
| Loans (As % Assets) | % | 55.7 | 58.3 | 57.1 | 58.0 | 54.9 | ||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.61 | 0.986 | 0.983 | 0.753 | 1.04 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 410 | 303 | 245 | 305 | 242 | |||||||||||
| valuation | ||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | 1,667 | 1,222 | 1,369 | 986 | 947 | ||||||||||||||||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | 1,224 | 1,331 | 1,369 | 1,462 | 1,502 | ||||||||||||||||||||
| Share Price (End Of Period) | PHP | 55.9 | 39.6 | 44.7 | 30.8 | 31.3 | ||||||||||||||||||||||||
| Earnings Per Share (EPS) | PHP | ... | ... | ... | ... | 4.74 | 3.68 | 2.90 | 3.49 | 2.70 | ||||||||||||||||||||
| Book Value Per Share | PHP | ... | ... | ... | ... | 35.1 | 33.7 | 38.8 | 39.8 | 41.4 | ||||||||||||||||||||
| Dividend Per Share | PHP | 0.839 | 0.932 | 0.559 | 0.671 | 0 | ||||||||||||||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | 11.8 | 10.8 | 15.4 | 8.81 | 11.6 | |||||||||||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | 1.59 | 1.18 | 1.15 | 0.773 | 0.756 | |||||||||||||||||||||
| Dividend Yield | % | 1.50 | 2.35 | 1.25 | 2.18 | 0 | ||||||||||||||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 14.4 | -22.4 | -21.3 | 20.5 | -22.7 | |||||||||||||||||
| Book Value Per Share Growth | % | ... | 2.80 | -4.05 | 15.2 | 2.50 | 3.99 |
| income statement | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||||||||||||
| Interest Income | PHP mil | 18,755 | 18,824 | 20,200 | 21,757 | 23,586 | ||||||||||||||||||||||||
| Interest Cost | PHP mil | 7,356 | 5,513 | 5,233 | 5,943 | 7,430 | ||||||||||||||||||||||||
| Net Interest Income | PHP mil | 11,399 | 13,311 | 14,967 | 15,814 | 16,156 | ||||||||||||||||||||||||
| Net Fee Income | PHP mil | ... | ... | 2,373 | 2,702 | 2,594 | 3,759 | 3,458 | ||||||||||||||||||||||
| Other Income | PHP mil | ... | ... | 8,695 | 6,865 | 4,508 | 2,566 | 3,076 | ||||||||||||||||||||||
| Total Revenues | PHP mil | 22,467 | 22,878 | 22,069 | 22,139 | 22,690 | ||||||||||||||||||||||||
| Staff Cost | PHP mil | 3,660 | 3,693 | 6,225 | 4,731 | 5,408 | ||||||||||||||||||||||||
| Depreciation | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,202 | 1,261 | ||
| Other Cost | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,162 | 10,421 | ||
| Operating Cost | PHP mil | 13,366 | 14,474 | 14,236 | 15,095 | 17,090 | ||||||||||||||||||||||||
| Operating Profit | PHP mil | 9,101 | 8,404 | 7,833 | 7,044 | 5,600 | ||||||||||||||||||||||||
| Provisions | PHP mil | 2,486 | 2,054 | 2,509 | 2,350 | 1,770 | ||||||||||||||||||||||||
| Extra and Other Cost | PHP mil | -357 | -243 | 0 | -93.0 | -131 | ||||||||||||||||||||||||
| Pre-Tax Profit | PHP mil | 6,972 | 6,593 | 5,324 | 4,787 | 3,961 | ||||||||||||||||||||||||
| Tax | PHP mil | 745 | 1,259 | 914 | -317 | -94.5 | ||||||||||||||||||||||||
| Minorities | PHP mil | 7.00 | 13.0 | -1.00 | -1.00 | 2.00 | ||||||||||||||||||||||||
| Net Profit | PHP mil | 6,220 | 5,321 | 4,411 | 5,105 | 4,054 | ||||||||||||||||||||||||
| Dividends | PHP mil | 1,027 | 1,276 | 765 | 1,008 | 0 | ||||||||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 5.22 | 16.8 | 12.4 | 5.66 | 2.16 | |||||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | 9.86 | 13.9 | -4.00 | 44.9 | -8.01 | ||||||||||||||||||||
| Total Revenue Growth | % | ... | 8.21 | 1.83 | -3.54 | 0.317 | 2.49 | |||||||||||||||||||||||
| Operating Cost Growth | % | ... | 7.32 | 8.29 | -1.64 | 6.03 | 13.2 | |||||||||||||||||||||||
| Operating Profit Growth | % | ... | 9.55 | -7.66 | -6.79 | -10.1 | -20.5 | |||||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 16.8 | -5.44 | -19.2 | -10.1 | -17.3 | |||||||||||||||||||||||
| Net Profit Growth | % | ... | 23.7 | -14.5 | -17.1 | 15.7 | -20.6 | |||||||||||||||||||||||
| market share | ||||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.57 | 5.78 | 5.38 | 5.22 | 4.67 | ... | ||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.14 | 4.44 | 3.78 | 4.44 | 3.20 | ... | ||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.58 | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||||||||||||||||||
| Cash | PHP mil | 46,000 | 62,317 | 59,184 | 64,687 | 81,696 | ||||||||||||||||||||||||
| Interbank Loans | PHP mil | 5,879 | 7,537 | 16,600 | 19,701 | 33,182 | ||||||||||||||||||||||||
| Customer Loans | PHP mil | 202,734 | 245,922 | 261,574 | 299,119 | 286,131 | ||||||||||||||||||||||||
| Retail Loans | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,924 | 43,851 | 57,784 | 76,052 | 293,542 | ||||
| Mortgage Loans | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 31,802 | 57,784 | 76,052 | ... | ... | ... | |
| Consumer Loans | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,049 | 0 | 0 | ... | ... | ... | |
| Debt Securities | PHP mil | 101,975 | 97,279 | 106,145 | 114,571 | 78,851 | ||||||||||||||||||||||||
| Fixed Assets | PHP mil | 7,507 | 8,814 | 7,031 | 7,602 | 8,876 | ||||||||||||||||||||||||
| Intangible Assets | PHP mil | ... | ... | ... | ... | ... | ... | ... | 1,341 | 1,408 | 426 | 426 | 2,233 | |||||||||||||||||
| Goodwill | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 426 | 426 | 426 | 426 | 268 | |||||||||||
| Total Assets | PHP mil | 364,095 | 421,869 | 457,905 | 516,061 | 521,193 | ||||||||||||||||||||||||
| Shareholders' Equity | PHP mil | 42,973 | 44,808 | 53,131 | 58,129 | 62,133 | ||||||||||||||||||||||||
| Of Which Minority Interest | PHP mil | 30.0 | 23.0 | 22.0 | 24.0 | 26.0 | ||||||||||||||||||||||||
| Liabilities | PHP mil | 321,122 | 377,061 | 404,774 | 457,932 | 459,060 | ||||||||||||||||||||||||
| Interbank Borrowing | PHP mil | ... | ... | ... | ... | 38,345 | ... | ... | 16,002 | |||||||||||||||||||||
| Customer Deposits | PHP mil | 246,757 | 297,853 | 315,761 | 342,362 | 353,077 | ||||||||||||||||||||||||
| Sight Deposits | PHP mil | 10,568 | 28,448 | 32,197 | 44,311 | 42,053 | ||||||||||||||||||||||||
| Term Deposits | PHP mil | 236,189 | 269,405 | 283,564 | 298,051 | 311,024 | ||||||||||||||||||||||||
| Issued Debt Securities | PHP mil | 58,927 | 24,867 | 73,206 | 98,704 | 74,010 | ||||||||||||||||||||||||
| Subordinated Debt | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,987 | 0 | 9,921 | 9,936 | 9,952 | |||||||||||
| Other Liabilities | PHP mil | ... | ... | ... | ... | 15,996 | ... | ... | 15,971 | |||||||||||||||||||||
| asset quality | ||||||||||||||||||||||||||||||
| Non-Performing Loans | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,491 | 2,499 | 2,636 | 2,305 | 3,065 | |||||||||||
| Gross Loans | PHP mil | ... | 217,058 | 253,497 | 268,031 | 306,159 | 293,542 | |||||||||||||||||||||||
| Total Provisions | PHP mil | ... | 14,324 | 7,575 | 6,457 | 7,040 | 7,411 | |||||||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 3.13 | 21.3 | 6.36 | 14.4 | -4.34 | |||||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.8 | 239 | 31.8 | 31.6 | 286 | |||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 81.7 | 31.6 | ... | ... | ... |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -100 | ... | ... | ... | ... |
| Total Asset Growth | % | ... | 5.45 | 15.9 | 8.54 | 12.7 | 0.994 | |||||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 13.5 | 4.27 | 18.6 | 9.41 | 6.89 | |||||||||||||||||||||||
| Customer Deposit Growth | % | ... | -3.34 | 20.7 | 6.01 | 8.42 | 3.13 | |||||||||||||||||||||||
| market share | ||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.90 | 6.02 | 5.12 | 5.17 | 4.23 | ... | |||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.7 | ... | ... | ... | ... | ... |
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.5 | 15.2 | 17.9 | ... | ... | ... | |
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.37 | 4.91 | 4.68 | 4.80 | 4.27 | ... | ||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.31 | 4.92 | 4.64 | 4.58 | 4.02 | ... |
| ratios | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||||||||||||||||
| ROE | % | ... | 15.4 | 12.1 | 9.01 | 9.18 | 6.74 | |||||||||||||||||||||||
| ROA | % | ... | 1.75 | 1.35 | 1.00 | 1.05 | 0.782 | |||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 3.77 | 3.68 | 3.24 | 3.10 | 3.30 | |||||||||||||||||||||||
| Costs (As % Of Income) | % | 59.5 | 63.3 | 64.5 | 68.2 | 75.3 | ||||||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.6 | 16.5 | 15.4 | 15.7 | 16.2 | |||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 16.0 | 11.8 | 12.6 | 12.9 | ||||||||
| Net Interest Margin | % | ... | 3.21 | 3.39 | 3.40 | 3.25 | 3.12 | |||||||||||||||||||||||
| Interest Spread | % | ... | 2.95 | 3.21 | 3.25 | 3.09 | 2.93 | |||||||||||||||||||||||
| Asset Yield | % | ... | 5.29 | 4.79 | 4.59 | 4.47 | 4.55 | |||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 2.34 | 1.58 | 1.34 | 1.38 | 1.62 | |||||||||||||||||||||||
| Payout Ratio | % | 16.5 | 24.0 | 17.4 | 19.7 | 0 | ||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 50.7 | 58.2 | 67.8 | 71.4 | 71.2 | ||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 10.6 | 11.8 | 11.8 | 17.0 | 15.2 | ||||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | 38.7 | 30.0 | 20.4 | 11.6 | 13.6 | ||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | 2,004 | 1,977 | 3,053 | 2,120 | 2,193 | ... | |||||||||||||||
| Cost Per Employee (Local Currency) | PHP per month | ... | ... | ... | ... | ... | ... | ... | ... | 84,581 | 83,924 | 136,048 | 97,394 | 106,314 | ... | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 27.4 | 25.5 | 43.7 | 31.3 | 31.6 | ||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 11.8 | 10.6 | 11.6 | 11.3 | 11.9 | ||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 82.2 | 82.6 | 82.8 | 87.4 | 81.0 | ||||||||||||||||||||||||
| Loans (As % Assets) | % | 55.7 | 58.3 | 57.1 | 58.0 | 54.9 | ||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.61 | 0.986 | 0.983 | 0.753 | 1.04 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 410 | 303 | 245 | 305 | 242 | |||||||||||
| Provisions (As % Of Loans) | % | ... | 7.07 | 3.08 | 2.47 | 2.35 | 2.59 | |||||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.25 | 0.916 | 0.989 | 0.838 | 0.605 |
| other data | Unit | 1990 | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 399 | 407 | 449 | 456 | 481 | |||||||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | 3,606 | 3,667 | 3,813 | 4,048 | 4,239 | ... | ||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,342 | 1,488 | |||
| Sight (As % Of Customer Deposits) | % | 4.28 | 9.55 | 10.2 | 12.9 | 11.9 | ||||||||||||||||||||||||
| Risk-Weighted Assets | PHP mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 281,622 | 305,920 | 338,949 | 388,804 | 386,663 | ||||||||
| Return on Loans | % | 3.12 | 2.37 | 1.74 | 1.82 | 1.39 | ||||||||||||||||||||||||
| Operating Profit (As % of Loans) | % | ... | 4.56 | 3.75 | 3.09 | 2.51 | 1.91 | |||||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 6.69 | 6.45 | 5.61 | 5.38 | 5.84 | |||||||||||||||||||||||
| Equity (As % Of Loans) | % | 21.2 | 18.2 | 20.3 | 19.4 | 21.7 |
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By Helgi Library - February 20, 2020
RCBC's customer deposits reached PHP 332,961 mil in 2016-09-30, up 4.11% compared to the previous year. Filipino banking sector accepted customer deposits of PHP 8,159 bil in 2016-09-30, up 4.48% when compared to the last year. RCBC accounted for 4.08% of...
By Helgi Library - March 4, 2020
RCBC generated total banking revenues of PHP 10,901 mil in the third quarter of 2019, up 64.9% when compared to the same period of last year and 27.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee and...
By Helgi Library - March 4, 2020
RCBC generated total banking revenues of PHP 10,901 mil in the third quarter of 2019, up 64.9% when compared to the same period of last year and 27.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee and...
By Helgi Library - February 21, 2020
RCBC's net interest margin amounted to 3.47% in the third quarter of 2019, up from 3.32% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.57% in 4Q2005 and an all time low of 1.38% in 3Q20...
By Helgi Library - February 21, 2020
RCBC's net interest margin amounted to 3.47% in the third quarter of 2019, up from 3.32% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.57% in 4Q2005 and an all time low of 1.38% in 3Q20...
By Helgi Library - February 20, 2020
RCBC stock traded at PHP 26.5 per share at the end third quarter of 2019 implying a market capitalization of USD 1,151 mil. Since the end of 3Q2014, the stock has depreciated by -47.5 % implying an annual average growth of -12.1 %. In absolute terms, the value of the ...
By Helgi Library - February 20, 2020
RCBC stock traded at PHP 26.5 per share at the end third quarter of 2019 implying a market capitalization of USD 1,151 mil. Since the end of 3Q2014, the stock has depreciated by -47.5 % implying an annual average growth of -12.1 %. In absolute terms, the value of the ...
By Helgi Library - February 20, 2020
RCBC stock traded at PHP 26.5 per share at the end of third quarter of 2019 implying a market capitalization of USD 1,151 mil. Over the last five years, the stock has depreciated by 47.5 implying an annual average growth of -12.1% In absolute terms, the v...
By Helgi Library - February 20, 2020
RCBC stock traded at PHP 26.5 per share at the end of third quarter of 2019 implying a market capitalization of USD 1,151 mil. Over the last five years, the stock has depreciated by 47.5 implying an annual average growth of -12.1% In absolute terms, the v...
By Helgi Library - February 20, 2020
RCBC's customer loan growth reached 9.47% in 2019-09-30, down from 10.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 43.9% in 2013-12-31 and an all time low of -13.1% in 2012-12-31. In the last decade, ...
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