RCBC's main line of business covers Corporate and SME banking, Retail banking including Consumer lending, Credit Cards, Wealth Management, Trust, Treasury, Investment Banking and Remittances. RCBC has also ventures in the microfinance business to service the smallest entrepreneurs via Rizal Microbank.

The Corporate Banking Group ("CBG") caters to four distinct major customer segments: (i) top-tier corporations, (ii) Japanese multinationals, (iii) Filipino-Chinese businesses, and (iv) Small and Medium Enterprises.

The Bank has maintained a long and mutually profitable relationship with Japanese entities operating in the Philippines, originally stemming from its affirmation with Japan's Sanwa Bank (now BOTM). RCBC is also a major player in the Filipino Chinese Market.

The Retail Banking Group ("RBG") provides a range of products and services to RCBC's 6.01 million customers mainly through the Bank's distribution channels totaling 448 branches, 1,181 ATM's, phone, mobile phone and the Internet. These services include debit cards (RCBC MyWallet), Tiered Interest Savings Accounts.

In remittances, RCBC has international operations servicing Overseas Filipino Workers (OFWs), consisting of several wholly-owned subsidiaries such as RCBC International Finance Limited and through relationships with other banks, exchanges and other international money transfer agencies.

A full range of customer finance products such as home mortgages, auto, and personal/salary loans is provided by the Bank's consumer banking arm, RCBC Savings Bank, while credit cards variants are under the brand RCBC Bankard.

The Wealth Management Group manages the financial and investment needs of high net worth clients and emerging affluent clients.

The bank, through its Global Transaction Banking Group, also provides cash management services such as check invoicing, integrated collection, disbursements and remittance services.

RCBC Capital Corporation, the investment banking arm of RCBC, offers a range of services which include: (i) the underwriting of equity, quasi-equity and debt securities for private placement or public distribution; (ii) the syndication of foreign currency or peso loans; and (iii) financial advisory services.

RCBC Securities, a wholly-owned subsidiary of RCBC Capital, is engaged in the electronic and traditional trading of listed securities.

RCBC Forex Corporation is a subsidiary of RCBC dedicated to foreign exchange, offering both local and international clients with expertise in dealing and brokering major world currencies.