Corporate Profile

The Rizal Commercial Banking Corporation (RCBC) is majority-owned by the Yuchengco Group of Companies (YGC), one of the oldest and largest conglomerates in Southeast Asia covering over 60 businesses. It is among the largest private domestic banks in the country in terms of assets and has a network of over 462 branches and 2,911 ATMs and ATM Go units as of end-December 2022. Since its establishment in 1960, RCBC has been a pillar of the banking industry, providing a wide range of financial services to its customers through its retail and investment bank, microfinance unit, foreign exchange brokerage house, leasing company and overseas remittance tie-ups. In 2019, RCBC merged with its thrift unit, RCBC Savings Bank which resulted in a larger asset base and stronger financial standing.


The Bank, in synergy with its YGC affiliates SunLife GREPA Financials (SLGFI) and Malayan Insurance Company, Inc. (MICO) also offers investment-linked life insurance products, auto, fire, personal accident, and other non-life insurance products.


RCBC is also committed to uplifting its customers’ lives through corporate social responsibility and environmental sustainability programs. Through the AY Foundation, RCBC is committed to helping rehabilitate calamity-stricken areas, at the same time it also supported projects on sustainable livelihood and the granting of educational scholarships to the youth. Recently, the Bank successfully raised PHP15 billion in Peso Bonds, the Philippines’ first green finance framework under the ASEAN Green Bond Standards.

A pioneer in financial services, RCBC has received numerous awards and citations from various institutions and publications such as World Finance (Best Banking Group in the Philippines), and AI Global Awards (Best in Private Banking). The Bank has also been recognized for its recent digital efforts for inclusive and accessible digital banking during this pandemic such as Alpha Southeast Asia (Best Digital Bank in the Philippines), The Global Economics Awards (2020 Most Innovative Internet Banking Services Provider), Asiamoney (Best Digital Bank in the Philippines), Asia Pacific Enterprise Awards (2020 Most Inspirational Brand-Financial Services Industry), Asia IOT Business Platform Award (2020 Enterprise Innovation), and International Innovation Awards (Best Digital Inclusion Initiative - Service & Solution). RCBC also received recognition from international award-giving bodies for taking the lead in financing some of the country’s major infrastructure projects from the Asset Triple A and Benchmark Awards, and the Asian Banking and Finance (ABF) Corporate and Investment Banking Awards.

Mission & Vision

Our Mission

We are a leading universal bank providing quality Integrated Financial Services that best meet our clients’ needs.

We are committed to: Conducting our business with utmost integrity, excellence, and commitment as responsible corporate citizens; and,

Providing professional growth opportunities to develop a talented base of officers and employees, and achieving the best returns for our stockholders.

Our Vision

To be the most admired and trusted profitable financial services group providing and adapting to customers’ changing needs - for every Filipino worldwide - through innovative products, excellent service and a highly motivated, committed and impassioned team.

Core Values

In line with our vision to be strongly synergized with the rest of YGC and with the end goal of promoting and projecting a strong YGC identity/brand to our customers and the general public, the YGC Human Resources (HR) Council undertook a thorough review of the corporate values of all YGC member-companies to derive common standards for behavioral excellence and arrive at common appellations therefor.

The review resulted in the indication of five (5) YGC Core Values, to wit:

  • Passion for Excellence - striving to be great and not just good; improving our results continuously.
  • Sense of Urgency - doing things fast; taking the initiative to respond to the needs of various stakeholders, internal and external clients.
  • Professional Discipline - possessing strong work ethic; deserving trust and respect; using bank funds and property (including time) prudently; acting with fairness and objectivity; being accountable for actions.
  • Loyalty - being good corporate citizens; pursuing corporate interests as one's own; speaking well of the company & taking pride in its achievements.
  • Teamwork - tapping areas of synergy actively; collaborating toward shared goals.

Board of Directors

Patriarch and Founder

Board of Directors

  • Helen Y. Dee


  • Cesar E.A. Virata

    Corporate Vice Chairman

  • Eugene S. Acevedo

    President &
    Chief Executive Officer

  • Gil A. Buenaventura


  • John Law


  • Shih-Chiao (Joe) Lin


  • Arnold Kai Yuen Kan


  • Atty. Lilia B. De Lima


  • Gayatri P. Bery


  • Armando M. Medina


  • Juan B. Santos

    Independent Director

  • Gabriel S. Claudio

    Independent Director

  • Vaughn F. Montes Ph.D.

    Independent Director

  • Laurito E. Serrano

    Independent Director

  • Erika Fille T. Legara

    Independent Director

Advisory Board

  • Francis C. Laurel

    Advisory Board Member

  • Hiroki Nakatsuka

    Advisory Board Member

  • Yvonne S. Yuchengco

    Advisory Board Member

Senior Management

    • Redentor C. Bancod

      IT Shared Services & Operations

    • John Thomas G. Deveras

      Strategic Initiatives and Asset Management & Remedial

    • Elizabeth E. Coronel

      Corporate Banking

    • Richard C. Lim

      Retail Banking

    • Emmanuel T. Narciso

      Global Transaction Banking

    • Angelito M. Villanueva

      Digital Enterprise, Innovation & Inclusion

    • Ma. Christina P. Alvarez

      Corporate Planning

    • Atty. George Gilbert G. dela Cuesta

      Legal Affairs

    • Brent C. Estrella

      Compliance & Regulatory Affairs

    • Florentino M. Madonza


    • Jane N. Mañago

      Wealth Management

    • Alberto Magno N. Pedrosa


    • Dr. Robert B. Ramos

      Trust and Investments

    • Bennett Clarence D. Santiago

      Credit Management

    • Rowena F. Subido

      Human Resources

    • Ma. Pamela Katrina M. Cabudoy

      Data Science and Analytics

    • Atty. Ramil M. De Villa

      Consumer Loans

    • Sheila Ricca G. Dioso

      Internal Audit

    • Maria Cecilia F. Natividad


    • Juan Gabriel R. Tomas IV

      Risk Management

    • Anna Christina M. Vicente

      Small and Medium Enterprise Banking

Head of Subsidiaries

  • Arsenio Kenneth M. Ona

    RCBC Capital Corporation

  • Joseph Colin B. Rodriguez

    RCBC Forex Brokers Corporation

  • Arniel Vincent B. Ong

    RCBC Bankard

  • Raymundo C. Roxas

    Rizal Microbank

  • Raul P. Ruiz

    RCBC Securities, Inc.

  • Jose Jayson L. Mendoza

    RCBC Leasing and Finance Corporation


Organizational Chart


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Conglomerate Map

Following is the PMMIC/ YGC Conglomerate and the RCBC Group Structure:

rcbc-conglomerate-mapView Image

rcbc-subsidiariesView Image

Articles of Incorporation and By-Laws

Amended Articles of Incorporation 2022

Amended By-Laws 2018