Investor Presentaiton
Well-diversified loan portfolio, driven by the consumer segment
Total Customer Loans
In Php Billion
CAGR '16-'19 = 12%
451
434
389
1
353
1
305
1
1
16
13
79
70
- 285
1
32
30
22
106
101
90
73
74
57
52
38
184
205
220
229
238
2016
2017
2018
2019
1Q20
Corporate SME
Consumer ■Credit Card ■ Micro
The Bank will continue to forge strategic partnerships
with major car dealerships and real estate developers
to support consumer loan growth
RCBC leverages on its wide branch network to
generate increased SME and consumer loan referrals
The Bank also uses targeted sales campaigns, driven.
by data science, to increase cross selling and credit
card usage
RCBC Bankard has one of the fastest growing credit
card portfolios in the Philippines
PLATINUM
Credit card
Consumer
Loans*
LOAN MIX
1Q20
1Q19
CHANGE
RCBC Bankard
Corporate
53%
55%
-2%
SME
16%
15%
1%
Air Asia
5243 0212 3455 000O
5343
12
06/15
06/18
Consumer*
24%
24%
0%
MIGUEL ANTONIO PRIETO
mastercard
4368 6134 5678 9000
Credit Card
7%
6%
1%
ALD 06/23
TRICIA OCAMPO
Total
100%
100%
CREDIT VISA
*Auto, Mortgage, and Personal/Salary Loans
32B 106B
42%
15%
YoY growth
24 RCBCView entire presentation