---
title: "Rizal Commercial Banking Corp. SWIFT/BIC code RCBCPHMMXXX · Philippines | Elucidate"
description: "SWIFT/BIC code RCBCPHMMXXX for Rizal Commercial Banking Corp., Philippines. Head-office BIC, LEI CIKZWI6KV077KV2E2J69, addresses and Swift connectivity."
url: https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm
---
1. [Directory](https://elucidate.co/directory)
2. [Philippines](https://elucidate.co/directory/country/ph)
3. Rizal Commercial Banking Corp.
Philippines · Financial institution
# Rizal Commercial Banking Corp.
Legal name in the LEI record Rizal 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.
BIC **RCBCPHMMXXX** LEI **[CIKZWI6KV077KV2E2J69](https://search.gleif.org/#/record/CIKZWI6KV077KV2E2J69)** Licence no. **Not on a tracked register** Connected to Swift Swift GPI live member Head-office BIC only [Claim this profile](https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm#claim)
## 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 Swift
- **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](https://elucidate.co/directory/rizal-commercial-banking-corporation-rcbcph21)
- **BIC first registered:** 1989-12-04
- **Last updated:** 2024-02-28
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm#overview-sources)
Total assets
PHP 1.65tn
Group · 30 Jun 2026 · [regulatory filing ↗](https://www.rcbc.com/uploads/media/RCBC-Quarterly-BS-CBS-June-2026.pdf)
Employees
6,862
headcount · This entity · 30 Jun 2026 · [regulatory filing ↗](https://www.rcbc.com/uploads/media/PSE-Disclosure-2026-GIS-July-22-2026.pdf)
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
- Retail banking
- Corporate banking
- SME banking
- Consumer finance
- Cards
- Mortgage lending
- Transaction banking & payments
- Markets & trading
- Private banking & wealth
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 ↗](https://www.rcbc.com/) [rcbconlinebanking.com ↗](https://www.rcbconlinebanking.com/) personal online banking portal [rcbconline-corporate.com ↗](https://rcbconline-corporate.com/fo/login) corporate online banking portal [Wikipedia ↗](https://en.wikipedia.org/wiki/Rizal_Commercial_Banking_Corporation)
- **Official social accounts:** [X ↗](https://twitter.com/askRCBC) · [Facebook ↗](https://www.facebook.com/RCBCGroup)
Sources · 16 pages consulted
1. [rcbc.com/our-company](https://www.rcbc.com/our-company)
2. [rcbc.com/uploads/media/PSE-Disclosure-2026-GIS-July-22-2026.pdf](https://www.rcbc.com/uploads/media/PSE-Disclosure-2026-GIS-July-22-2026.pdf)
3. [rcbc.com/company-disclosures](https://www.rcbc.com/company-disclosures)
4. [rcbc.com/uploads/media/RCBC-Quarterly-BS-CBS-June-2026.pdf](https://www.rcbc.com/uploads/media/RCBC-Quarterly-BS-CBS-June-2026.pdf)
5. [rcbc.com/uploads/media/PSE-Disclosure-Amended-1-Change-in-Dir-and-Ofcrs-Election-Appointment-Septe](https://www.rcbc.com/uploads/media/PSE-Disclosure-Amended-1-Change-in-Dir-and-Ofcrs-Election-Appointment-September-1-2026.pdf)
6. [rcbc.com/uploads/media/PSE-Disclosure-Change-in-Dir-and-Ofcrs-Election-Appointment-September-28-20](https://www.rcbc.com/uploads/media/PSE-Disclosure-Change-in-Dir-and-Ofcrs-Election-Appointment-September-28-2026.pdf)
7. [rcbc.com/international-network](https://www.rcbc.com/international-network)
8. [rcbc.com/uploads/media/Filed-Definitive-Information-Statement-2026-with-annexes.pdf](https://www.rcbc.com/uploads/media/Filed-Definitive-Information-Statement-2026-with-annexes.pdf)
9. [rcbc.com/uploads/media/RCBC-Annual-Report-(SEC-Form17-A)-2025.pdf](https://www.rcbc.com/uploads/media/RCBC-Annual-Report-\(SEC-Form17-A\)-2025.pdf)
10. [rcbc.com/rcbc-names-new-president-ceo](https://www.rcbc.com/rcbc-names-new-president-ceo)
11. [rappler.com/business/reggie-cariaso-new-rcbc-president-ceo/](https://www.rappler.com/business/reggie-cariaso-new-rcbc-president-ceo/)
12. [bworldonline.com/banking-finance/2026/07/03/760807/moodys-cuts-rcbc-outlook-to-negative/](https://bworldonline.com/banking-finance/2026/07/03/760807/moodys-cuts-rcbc-outlook-to-negative/)
13. [business.inquirer.net/565836/smbc-boosts-stake-in-rcbc-to-24-46](https://business.inquirer.net/565836/smbc-boosts-stake-in-rcbc-to-24-46)
14. [business.inquirer.net/448098/rcbc-mulls-over-appeal-of-ny-decision-on-bangladesh-cyberheist](https://business.inquirer.net/448098/rcbc-mulls-over-appeal-of-ny-decision-on-bangladesh-cyberheist)
15. [nycourts.gov/reporter//pdfs/2026/2026\_30259.pdf](https://www.nycourts.gov/reporter//pdfs/2026/2026_30259.pdf)
16. [en.wikipedia.org/wiki/Rizal\_Commercial\_Banking\_Corporation](https://en.wikipedia.org/wiki/Rizal_Commercial_Banking_Corporation)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm#overview-sources)
- **Chief executive:**  Reginaldo Anthony B. Cariaso President & Chief Executive Officer Confirmed 29 Sep 2026 · [rcbc.com ↗](https://www.rcbc.com/our-company)
- **Chair:**  Helen Y. Dee Chairperson Confirmed 29 Sep 2026 · [rcbc.com ↗](https://www.rcbc.com/our-company)
- **Executive:** Florentino M. Madonza FSVP Head, Controllership Group Confirmed 29 Sep 2026 · [rcbc.com ↗](https://www.rcbc.com/uploads/media/RCBC-Quarterly-BS-CBS-June-2026.pdf)
- **Executive:** Sheila Ricca G. Dioso SVP1/Chief Compliance Officer Confirmed 29 Sep 2026 · [rcbc.com ↗](https://www.rcbc.com/uploads/media/PSE-Disclosure-2026-GIS-July-22-2026.pdf)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm#overview-sources)
- **Philippines:** Bangko Sentral ng Pilipinas Central bank Prudential supervisor AML supervisor Conduct
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/rizal-commercial-banking-corp-rcbcphmm#overview-sources)
1. Sep 2026
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 ↗](https://www.rcbc.com/uploads/media/PSE-Disclosure-Amended-1-Change-in-Dir-and-Ofcrs-Election-Appointment-September-1-2026.pdf)
2. Jul 2026
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 ↗](https://bworldonline.com/banking-finance/2026/07/03/760807/moodys-cuts-rcbc-outlook-to-negative/)
3. Dec 2025
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 ↗](https://www.rcbc.com/uploads/media/Filed-Definitive-Information-Statement-2026-with-annexes.pdf)
4. Jul 2025
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 ↗](https://www.rappler.com/business/reggie-cariaso-new-rcbc-president-ceo/)
5. Feb 2024
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 ↗](https://business.inquirer.net/448098/rcbc-mulls-over-appeal-of-ny-decision-on-bangladesh-cyberheist)
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:** 1. RCBC Bank 2. PH Country · Philippines 3. MM Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** CIKZWI6KV077KV2E2J69
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/CIKZWI6KV077KV2E2J69)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **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
```xml
RCBCPHMMXXX
CIKZWI6KV077KV2E2J69
```
### 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
```xml
RCBCPHMMXXX
CIKZWI6KV077KV2E2J69
RIZAL COMMERCIAL BANKING CORP.
MAKATI
PH
YUCHENGCO TOWER RCBC PLAZA 6819 AYALA AVENUE MAKATI CITY 0727
```
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.
## Related institutions
### Same legal entity
- [Rizal Commercial Banking Corporation BIC RCBCPH21 Financial institution Not on a tracked register Philippines · Not on a tracked register · LEI CIKZWI6KV077KV2E2J69](https://elucidate.co/directory/rizal-commercial-banking-corporation-rcbcph21)
Other BICs mapped to the same LEI.
### Largest institutions in the Philippines
- [Asiatrust Bank BIC ATDBPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/asiatrust-bank-atdbphm1)
- [Global Business Holdings Inc. BIC PCBAPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/global-business-holdings-inc-pcbaphm1)
- [Land Bank of the Philippines BIC TLBPPHM1 Financial institution Not on a tracked register Philippines · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/land-bank-of-the-philippines-tlbpphm1)
- [Citibank N.A (Manila Branch) BIC CITIPHMX Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-manila-branch-citiphmx)
- [The Hongkong and Shanghai Banking Corporation LTD - Philippine Branch BIC HSBCPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 2HI3YI5320L3RW6NJ957](https://elucidate.co/directory/the-hongkong-and-shanghai-banking-corporation-ltd-philippine-branch-hsbcphmm)
- [Bank of China (Hong Kong) Limited- Manila Branch BIC BKCHPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 54930053HGCFWVHYZX42](https://elucidate.co/directory/bank-of-china-hong-kong-limited-manila-branch-bkchphmm)
- [Jpmorgan Chase Bank, N.A. - Manila Branch BIC CHASPHMM Credit institution Prudential licence Philippines · On the FSB G-SIB list · LEI 7H6GLXDRUGQFU57RNE97](https://elucidate.co/directory/jpmorgan-chase-bank-n-a-manila-branch-chasphmm)
- [Samsung Electronics Philippines Corp. BIC SECTPHM1 Non-financial corporate Not on a tracked register Philippines · Not on a tracked register · LEI 254900PDDLNNMSYV1217](https://elucidate.co/directory/samsung-electronics-philippines-corp-sectphm1)
[See every BIC in Philippines →](https://elucidate.co/directory/country/ph#bics)
Claim this profile
## Work at Rizal Commercial Banking Corp.?
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2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
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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 →](https://elucidate.co/directory/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](https://www.rcbc.com/) (official website) · [original](https://www.rcbc.com/uploads/media/logo-rcbc.png); Reginaldo Anthony B. Cariaso: [rcbc.com](https://www.rcbc.com/our-company) (official website) · [original](https://www.rcbc.com/uploads/media/Reggie-Cariaso-1.webp); Helen Y. Dee: [rcbc.com](https://www.rcbc.com/our-company) (official website) · [original](https://www.rcbc.com/uploads/media/Helen-Dee-1.webp).
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.