How RCBC Trust is Building the Future of Wealth Management in 2025

Building and protecting wealth is no easy feat, especially in a world where financial markets shift daily and technology reshapes how we manage money. Yet, one institution continues to prove its strength and adaptability: RCBC Trust Corporation.

By the end of March 2025, RCBC Trust reported P186 billion in assets under management (AUMs). That’s a 14% increase compared to the same period last year, a milestone that shows just how much Filipinos trust RCBC with their financial future.

This achievement didn’t happen in ideal market conditions. In fact, the trust arm faced challenges along the way, from e-wallet outflows to a bearish equity market. But despite the hurdles, RCBC Trust not only held strong, it thrived.

Steady Growth in Uncertain Times

When markets are shaky, investors usually take a step back. But RCBC Trust’s performance shows that with the right strategy, growth remains possible even during volatile times.

RCBC Trust President and CEO Robert Ramos explained that short-term fluctuations are normal, especially with funds moving in and out of e-wallets.

“E-wallets are quite volatile. The funds come in and out often,” Ramos said.

Even with these outflows, the company’s first quarter performance was impressive:

• Net earnings grew by 82% year-on-year in the first three months of 2025.

• Revenues climbed 24%, thanks largely to strong demand for investment management accounts (IMAs) and retirement fund mandates.

• Return on equity jumped to 54%, compared to 41% the previous year.

• Operating profit margin improved to 29%, up from 21%.

Beyond the numbers, what stands out is the client experience. Ramos noted that RCBC Trust’s stock transfer operations achieved record-high customer satisfaction. This emphasis on service shows that for RCBC, trust is built not only through results, but also through relationships.

Expanding Opportunities for Wealth Management

RCBC Trust isn’t resting on its laurels. For the rest of 2025, the company is aiming for 10% to 15% growth in AUMs. The plan is to deepen its reach among:

• High-net-worth individuals, who require more customized wealth management solutions.

• Institutional clients, including retirement funds and corporate accounts.

• Individuals and families who need estate planning and investment advisory services.

This focus reflects a simple truth: wealth management is not one-size-fits-all. Each client—from a professional saving for retirement to a company managing employee benefits—needs a strategy tailored to their goals. RCBC Trust’s broad suite of services makes it possible to address these diverse needs.

Making Investments Accessible Through Digital Transformation

One of RCBC Trust’s biggest breakthroughs is its digital-first approach. Investing is no longer limited to face-to-face meetings or lengthy paperwork. Today, clients can access products like Unit Investment Trust Funds (UITFs) through the RCBC Pulz app, making it possible to start, monitor, and manage investments from anywhere.

“Clients want intuitive and seamless access,” Ramos explained. “We are creating a digital investment boutique. Whether you want corporate bonds, government securities, or time deposits, it should all be in one space.”

This move towards digital convenience is especially timely. Many Filipinos are becoming more comfortable with online banking and investing. By simplifying the process, RCBC Trust is breaking down barriers for more people to participate in wealth growth.

And for those already used to digital financial tools, the Pulz app provides a unified experience—bringing everything from UITFs to IMAs together in a single platform.

Investing with a Purpose

Another growing trend in the investment world is the shift towards sustainable and responsible finance. More and more investors are asking: How can my money make a positive impact while also growing in value?

Ramos noted that RCBC Trust has seen increasing interest in investments guided by the environmental, social, and governance (ESG) framework. This approach allows clients to align their portfolios with causes that matter to them, be it environmental protection, social equity, or strong governance practices.

By responding to this demand, RCBC Trust is not only helping clients build wealth but also enabling them to contribute to broader positive change.

Why These Numbers Matter for Investors

Hearing that a financial institution’s AUMs have grown to billions can feel distant, especially if you’re just starting out. But here’s why RCBC Trust’s performance matters:

1. Stability and Reliability: Growing AUMs, strong earnings, and improved profit margins mean the institution is financially sound. For investors, this translates to confidence that their money is managed responsibly.

2. Better Services: RCBC Trust’s success comes with improved client experiences, as seen in its record customer satisfaction. That means as a client, you can expect more efficient, reliable, and supportive service.

3. More Accessible Options: Through digital tools like the RCBC Pulz app, investing has never been more convenient. You don’t need to be an expert to start; RCBC Trust provides the guidance and tools to make the journey simpler.

4. Future-Ready Investing: With its ESG integration, RCBC Trust is preparing investors not just for financial returns, but for meaningful, sustainable outcomes.

Building Wealth for the Long Term

RCBC Trust’s achievements highlight a bigger picture: the importance of long-term financial planning. Whether you’re building savings for your retirement, managing corporate funds, or securing your family’s future, having a trusted partner makes the process more efficient and less daunting.

RCBC Trust offers a wide range of solutions, including:

• Unit Investment Trust Funds (UITFs): professionally managed pooled investments for individuals.

• Investment Management Accounts (IMAs): customized portfolio management for high-net-worth and institutional clients.

• Retirement Funds: solutions for companies and organizations that want to support their workforce.

• Estate Planning and Personal Management Trusts: ensuring assets are managed and transferred smoothly to the next generation.

By covering these needs, RCBC Trust positions itself not just as an investment provider, but as a financial partner for life.

Start Your Investment Journey with RCBC Trust

As RCBC Trust continues its digital transformation and expands its reach, the goal remains the same: to help Filipinos grow, protect, and manage their wealth. With P186 billion AUMs, robust earnings, and a strong pipeline for 2025, the institution is poised to deliver even more value to its clients.

For anyone looking to start—or strengthen—their investment journey, the message is clear: you don’t have to do it alone. With RCBC Trust’s expertise, digital tools, and client-first approach, you can take the next step towards financial growth with confidence.

Discover RCBC Trust services today.