Philippines · Financial institution
Rizal Commercial Banking Corp.
Legal name in the LEI recordRizal Commercial Banking Corporation
Rizal Commercial Banking Corporation (RCBC) is a Philippine stock corporation registered on 23 September 1960, with its head office at RCBC Plaza in Makati City. Its registered parent is Pan Malayan Management & Investment Corp. of the Yuchengco Group. Sumitomo Mitsui Banking Corporation and Cathay Life Insurance Co., Ltd. hold minority stakes of about 24% and 19%. The Bangko Sentral ng Pilipinas licenses it as an expanded commercial bank, and it offers consumer, commercial and corporate lending, deposits, cash management, treasury and remittance services.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- RCBCPHMMXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under RCBCPHMM directly.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- Other BIC with this LEI
- RCBCPH21
- BIC first registered
- 1989-12-04
- Last updated
- 2024-02-28
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Ticker RCB
Institution type
Universal bank
Trades as RCBC
- Ownership
- Pan Malayan Management & Investment Corp. holds 24.56% directly, Sumitomo Mitsui Banking Corporation holds 24.46% and Cathay Life Insurance Co., Ltd. holds 18.68%.
- Direct parent
- Pan Malayan Management & Investment Corp., Philippines 24.56%
- Major shareholders
- Sumitomo Mitsui Banking Corporation 24.46% · 22 Dec 2025
Cathay Life Insurance Co., Ltd. 18.68% - Stock listing
- Philippine Stock Exchange RCB
- Head office
- Yuchengco Tower, RCBC Plaza, 6819 Ayala Avenue cor. Sen. Gil J. Puyat Avenue, 0727 Makati City, Philippines
- Company register
- SEC Registration No. 17514, Securities and Exchange Commission (Philippines)
Business lines
The bank serves retail, SME and corporate clients through branches, ATMs and digital channels. It describes itself as the first local bank to set up a Japan Desk.
Online
- Websites & references
- rcbc.com ↗
rcbconlinebanking.com ↗ personal online banking portal
rcbconline-corporate.com ↗ corporate online banking portal
Wikipedia ↗ - Official social accounts
- X ↗ · Facebook ↗
Sources · 16 pages consulted
- rcbc.com/our-company
- rcbc.com/uploads/media/PSE-Disclosure-2026-GIS-July-22-2026.pdf
- rcbc.com/company-disclosures
- rcbc.com/uploads/media/RCBC-Quarterly-BS-CBS-June-2026.pdf
- rcbc.com/uploads/media/PSE-Disclosure-Amended-1-Change-in-Dir-and-Ofcrs-Election-Appointment-Septe
- rcbc.com/uploads/media/PSE-Disclosure-Change-in-Dir-and-Ofcrs-Election-Appointment-September-28-20
- rcbc.com/international-network
- rcbc.com/uploads/media/Filed-Definitive-Information-Statement-2026-with-annexes.pdf
- rcbc.com/uploads/media/RCBC-Annual-Report-(SEC-Form17-A)-2025.pdf
- rcbc.com/rcbc-names-new-president-ceo
- rappler.com/business/reggie-cariaso-new-rcbc-president-ceo/
- bworldonline.com/banking-finance/2026/07/03/760807/moodys-cuts-rcbc-outlook-to-negative/
- business.inquirer.net/565836/smbc-boosts-stake-in-rcbc-to-24-46
- business.inquirer.net/448098/rcbc-mulls-over-appeal-of-ny-decision-on-bangladesh-cyberheist
- nycourts.gov/reporter//pdfs/2026/2026_30259.pdf
- en.wikipedia.org/wiki/Rizal_Commercial_Banking_Corporation
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Reginaldo Anthony B. Cariaso
President & Chief Executive Officer
- Chair
-
Helen Y. Dee
Chairperson
- Executive
- Florentino M. Madonza FSVP Head, Controllership Group
- Executive
- Sheila Ricca G. Dioso SVP1/Chief Compliance Officer
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Philippines
- Bangko Sentral ng Pilipinas Central bankPrudential supervisorAML supervisorConduct
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The board appointed Hua-Sheng (Watson) Yang as director from 1 September 2026, subject to BSP approval, after Shih-Chiao Lin resigned on 25 August 2026.
rcbc.com ↗ -
Other
Moody's Ratings affirmed the bank's Baa3 ratings and changed its outlook to negative from stable, citing asset quality risks in the retail segment.
bworldonline.com ↗ -
Other
Sumitomo Mitsui Banking Corporation raised its stake from 20.00% to 24.46% by buying 4.46% from an existing shareholder for PHP 6.4 billion.
rcbc.com ↗ -
Leadership
Reginaldo Anthony B. Cariaso succeeded Eugene S. Acevedo as President and CEO on 1 July 2025. Acevedo retired and stayed on the board.
rappler.com ↗ -
Other
The Appellate Division of the New York State Supreme Court let Bangladesh Bank's 2016 heist suit against the bank proceed but dismissed its conversion claims.
business.inquirer.net ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- RCBCPHMMXXX
- How the BIC breaks down
- RCBCBank
- PHCountry · Philippines
- MMLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- CIKZWI6KV077KV2E2J69
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Philippines · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- YUCHENGCO TOWER RCBC PLAZA 6819 AYALA AVENUE MAKATI CITY 0727 PHILIPPINES
- Operational address
- YUCHENGCO TOWER RCBC PLAZA 6819 AYALA AVENUE MAKATI CITY 0727 MAKATI CITY PHILIPPINES
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>RCBCPHMMXXX</BICFI>
<LEI>CIKZWI6KV077KV2E2J69</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>RCBCPHMMXXX</BICFI>
<LEI>CIKZWI6KV077KV2E2J69</LEI>
<Nm>RIZAL COMMERCIAL BANKING CORP.</Nm>
<PstlAdr>
<TwnNm>MAKATI</TwnNm>
<Ctry>PH</Ctry>
<AdrLine>YUCHENGCO TOWER RCBC PLAZA 6819 AYALA AVENUE MAKATI CITY 0727</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: rcbc.com (official website) · original; Reginaldo Anthony B. Cariaso: rcbc.com (official website) · original; Helen Y. Dee: rcbc.com (official website) · original.
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