RCBC at 65: Empowering Growth by Building Client Relationships That Last

Since 1960, RCBC has been a partner in growth for Filipino entrepreneurs and corporations. From start-ups seeking stability to conglomerates managing vast operations, RCBC has developed a suite of solutions designed to empower companies at every stage of their journey. 

Key Takeaways:

• • RCBC’s client relationship banking model prioritizes personalized service and business continuity, ensuring clients receive not just solutions, but a genuine partnership.
• • Advanced banking tools, like digital cash management, trade services, and corporate loans, provide businesses with the control they need to grow.
• • RCBC celebrates the legacies it helps preserve, supporting generations of entrepreneurs, families, and institutions through purpose-driven financial solutions.

Service that Builds Client Relationships

After over six decades of service, RCBC remains committed to one unchanging promise: to deliver service that matches growing aspirations.

Our corporate savings and checking accounts, for instance, provide businesses with flexible ways to manage day-to-day operations, track cash flow, and settle obligations without unnecessary friction. Meanwhile, specialized corporate loans provide enterprises with the financing they need to expand facilities, purchase equipment, or support employee benefit programs such as salary loans.

Each offering is complemented by a team of experienced relationship managers, who ensure that every client has direct access to expert guidance for wealth planning, estate management, and business continuity.

More than transactional support, our service model emphasizes maintaining client relationships—building long-term trust through personalized advice and seamless execution. This approach has helped countless businesses navigate opportunities and challenges, whether scaling into new markets, weathering economic cycles, or planning for generational succession.

By placing service at the center of our corporate banking platform, we ensure that clients are not just supported but fully empowered to pursue ambitious growth. This reinforces our role as a reliable partner in business.

<h2> Innovation that Drives Corporate Growth

Businesses today need more than just capital. Running a business requires precise control, exceptional speed, and complete financial transparency. 

At RCBC, we recognize that true corporate growth is powered by the efficiency of client relationships, which is why we have integrated innovation into our entire corporate banking service ecosystem. Our goal is to transform your financial management from an administrative necessity into a strategic advantage.

<h3> Tailored Corporate Solutions: Efficiency Meets Ambition

RCBC has empowered business leaders and entrepreneurs by designing corporate banking services that are as dynamic as their ambitions. We focus on providing solutions that reduce complexity, enhance liquidity, and fuel strategic expansion for both growing small and medium enterprises (SMEs) and established corporations.

Our cash management solutions are at the core of this strategy. They provide the agility required to maintain market leadership:

• Automated Precision: Our award-winning tools, such as receivables and disbursement services, dramatically reduce manual work and human error. Automating collections and disbursements ensures timely, accurate financial flows, immediately improving your working capital cycle.
  
  
• Strengthened Liquidity: Simplified payroll and electronic funds transfers guarantee that you maintain a clear, real-time picture of your liquidity. They allow you to manage cash with the precision of a top-tier financial firm, ensuring funds are available when opportunity strikes.

<h3> Technology That Empowers Control

Innovation at RCBC is not about adopting technology for its own sake; it is about strengthening client relations by delivering empowered control to you, the business leader. Our platforms are built on the principle that superior technology should serve your corporate strategy, not complicate it.

Our digital banking platforms allow you to:

• Monitor Performance in Real Time: A digital-first approach provides the essential oversight critical to scaling operations without sacrificing control. For instance, our real-time reporting ensures businesses have end-to-end visibility across complex cross-border operations. You can instantly track cash positions, transaction flows, and financial health from any location.
  
  
• React Quickly to Opportunities: With real-time data, you can make swift, informed decisions to seize opportunities, whether they involve handling new investments or scaling a sudden surge in demand.

Our focus on integrating digital sophistication while maintaining client relationships is already producing significant results. A testament to the market's strong adoption of our platforms and streamlined processes is the 39% growth in auto and home loans recorded in the first quarter of 2025. This market adoption reflects a growing trust in our simplified, efficient digital processes. 

We ensure that this same spirit of innovation and efficiency applies directly to the complex needs of our corporate clients.

As RCBC continues to invest in global banking standards, we ensure that our products are on par with international best practices. Innovation is ultimately about creating a competitive advantage for you, ensuring that financial management is not a barrier, but a powerful catalyst for your next phase of growth.

<h2> A Shared Legacy of Growth and Continuity

RCBC’s 65-year history is inseparable from the stories of the customers we have served. The bank’s legacy is not measured merely in decades, but in the enduring partnerships it has nurtured with families, entrepreneurs, and corporations whose success has grown alongside its own.

Take the partnership with 5R Prime Properties, where RCBC provided financing support for housing in Bulacan and beyond. What began as building a banking relationship with clients has expanded into a collaboration that empowers families to achieve homeownership, while supporting a developer’s long-term vision for community building.

This shared legacy extends to client businesses that have entrusted RCBC not only with their banking but with their future. Services, such as estate planning, trust vehicles, and investment solutions, ensure that wealth and enterprise can be passed on seamlessly, protecting continuity for families and corporations alike. In prioritizing succession and purposeful investing, RCBC reinforces that legacy is about foresight, not just longevity.

The bank’s own track record speaks volumes: a consolidated network of 469 branches, over 1,400 ATMs, and nearly 6,000 ATM Go terminals nationwide. Its steady revenue growth and expanding loan portfolio reflect resilience, adaptability, and commitment.

<h2> Beyond Banking: RCBC’s Legacy of Client Relationships

Looking back on 65 years, RCBC’s true distinction lies not in its longevity but in how each decade has been spent strengthening client relationships, shaping innovations, and safeguarding legacies. Every milestone has been marked by a deeper commitment to addressing what matters most to our clients, from ensuring business continuity to preparing for generational transitions and building unshakable trust.

Today, the bank’s foundation of service, innovation, and legacy creates financial stability and peace of mind. As you look ahead to retirement, succession, or expansion beyond your direct control, choose a bank whose resilience is proven and whose vision aligns with yours. 

RCBC at 65 stands not just as an institution, but as a partner ready to protect what you’ve built, grow what matters, and ensure that the future you envision becomes reality.

Connect with us at RCBC today and begin crafting the next chapter of your wealth and business journey.