Corporate Profile

Rizal Commercial Banking Corporation (RCBC) is the 5th largest privately owned universal banks in the Philippines, with over Php1.2 trillion in total resources as of December 31, 2023.

For over 60 years, RCBC has been building a reputation for providing the best customer experience, award-winning digital banking services, and pioneering innovations. The Bank offers a wide range of banking and financial products and services to cater to diverse customer segments. It provides consumer, commercial and corporate lending products, deposits and cash management solutions, treasury products, remittance services, and mobile banking services.

RCBC and its nine subsidiaries also offer traditional banking, investment banking, retail financing (auto, mortgage/housing loans, credit cards and microfinance loans), remittance, leasing, foreign exchange and stock brokering.


RCBC drives customer acquisition across various retail segments and corporate accounts of all sizes. It is also a favored digital banking brand.

Apart from credit or lending products, the Bank also has a full range of cash management solutions and other corporate services such as escrow and loan agency to address the various requirements of corporates which include top 1,000 corporations, emerging conglomerates, and Chinese markets. As the first local bank to establish a Japan Desk, its dealings with Japanese companies are some of the most extensive of any local bank.

Through its microfinance arm, Rizal Microbank, RCBC is able to address the requirements of microenterprise and small business operators, as well as value chain players particularly in the agricultural sector. Rizal Microbank operates in key areas in Luzon, Visayas, and Mindanao with a network of 18 branches.

Aligning with its commitment to reach more unbanked Filipinos, RCBC introduced DiskarTech in 2021, the Philippines' pioneering Tagalog-English financial inclusion "super app". This innovation aims to enhance accessibility for Filipinos residing in remote areas and grassroots communities. Notably, the app has already recorded a total of 5.4 million downloads, reflecting its positive impact.

In the retail space, RCBC boasts of some of the most comprehensive product suites. From the high net worth and affluent customers, to the underbanked, RCBC has developed a set of solutions to address each of these segments’ unique requirements.

Delivery Channels

RCBC has extensive delivery channels to better serve its growing customer base.

As of December 31, 2023, it has:

  • an extensive network of 458 branches
  • 1,460 ATMs
  • 5,779 ATM Go terminals with presence across all 82 provinces of the country
  • Internet and mobile banking (IOS and Android applications)


Industry Awards & Recognition

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 World Economic Magazine (Best Bank for Digital & Best Bank for Financial Inclusion), Asiamoney (Best Bank for Digital Solutions 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 & Senior Management

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


  • Armando M. Medina


  • John Law


  • Shih-Chiao (Joe) Lin


  • Gayatri P. Bery


  • Hiroki Nakatsuka


  • Katsufumi Uchida


  • Juan B. Santos

    Lead Independent Director

  • Gabriel S. Claudio

    Independent Director

  • Vaughn F. Montes Ph.D.

    Independent Director

  • Laurito E. Serrano

    Independent Director

  • Erika Fille T. Legara Ph.D.

    Independent Director

Advisory Board

  • Masayuki Kawakami

    Advisory Board Member

  • Francis C. Laurel

    Advisory Board Member

  • Atty. Lilia B. de Lima

    Advisory Board Member

  • Yvonne S. Yuchengco

    Advisory Board Member

Senior Management

    • Reginaldo Anthony B. Cariaso

      Operations Group

    • Elizabeth E. Coronel

      Corporate Banking

    • Richard C. Lim

      Retail Banking

    • Alberto Magno N. Pedrosa


    • Bennett Clarence D. Santiago

      Credit Management

    • 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

    • Rowena F. Subido

      Human Resources

    • Martin Roberto G. Tirol

      Global Transaction Banking

    • Juan Gabriel R. Tomas IV

      Risk Management

    • Ma. Pamela Katrina M. Cabudoy

      Data Science and Analytics

    • Atty. Ramil M. De Villa

      Consumer Loans

    • Sheila Ricca G. Dioso

      Internal Audit

    • Anna Christina M. Vicente

      Small and Medium Enterprise Banking

    • Nilo C. Zantua

      Information Technology Shared Services Group

    • Atty. Angeluz B. Torres-Guerzon

      Asset Management & Remedial

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

  • Raoul V. Santos

    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

Articles of Incorporation and By-Laws

Amended Articles of Incorporation 2022

Amended By-Laws 2018

Shareholding Structure