RCBC: Consumer segment growth drive FY25 bottom lineFrom AB Capital's The Opening Bell: Three MovesEventRCBC reported 2025 net income of P10.6 billion, up 11% YoY, as net interest income rose 32% and margins expanded. Loan growth reached 7%, with consumer lending up 29% and now 49% of portfolio. Downside risk centers on asset quality normalization as consumer portfolios season, especially if employment recovery or sentiment weakens. Investors should monitor credit costs, consumer delinquency trends, and deposit mix stability as key drivers for further ROE improvement. It is not to be construed as an offer or solicitation of an offer to sell or buy the securities herein mentioned.
