Moody’s Baa3 Rating
Details on Moody’s Baa3 long‑term foreign currency rating, stable outlook, and government support considerations. Moody’s: Baa3 (stable outlook).Fitch BB+ Rating
Details on Moody’s Baa3 long‑term foreign currency rating, stable outlook, and government support considerations.Moody’s Baa3 Rating
Moody’s: Baa3 (stable outlook).Fitch BB+ Rating
Ratings and outlooks can change over time; always verify the effective date of any cited action before decisions.
Key rating drivers typically include capitalization, asset quality, earnings, liquidity, and operating environment.
A stable outlook generally indicates expectations that key credit metrics will remain consistent in the near term.
Upgrade or downgrade pressure often depends on sustained improvements or deterioration in solvency and risk indicators.
Government support assumptions can influence uplift relative to a bank’s standalone credit strength.
ESG ratings summarize how environmental, social, and governance factors may affect long‑term risk and opportunity.
Moody’s Baa3 Rating
Details on Moody’s Baa3 long‑term foreign currency rating, stable outlook, and government support considerations.
Moody’s: Baa3 (stable outlook).
Fitch: BB+ (stable outlook).
MSCI ESG: AA (Leader).
Capital: CET1 around 13.5% (March 2025).
Asset quality: NPL expectations below 4% over the near term.
Liquidity: high share of liquid banking assets and conservative buffers.
Drivers: capitalization, asset quality, profitability, liquidity and operating environment.
Support: rating frameworks may incorporate Philippine government support assumptions.
Strategy: digital transformation, AI adoption, and sustainable finance initiatives.
Always verify effective dates in the original publications before decisions.
RCBC (Rizal Commercial Banking Corporation) is a major Philippine commercial bank monitored by global rating agencies.
Public credit opinions referenced on this site include Moody’s long‑term foreign currency rating at Baa3 with a stable outlook.
Fitch ratings referenced include a long‑term issuer default rating at BB+ with a stable outlook.
RCBC is also referenced as an ESG leader with an MSCI ESG rating of AA.
Key strengths often highlighted include robust capitalization, solid liquidity buffers, and improving asset quality.
A commonly cited capitalization indicator is the Common Equity Tier 1 ratio, reported around 13.5% as of March 2025.
Asset quality commentary frequently notes non‑performing loan expectations remaining below 4% over the near term.
Profitability discussion includes stronger net income supported by loan growth and fee income generation.
Rating rationales may incorporate a moderate likelihood of government support for systemically relevant banks in the Philippines.
Strategic themes discussed include digital transformation, AI adoption in operations, and cybersecurity and customer experience efforts.
Sustainable finance and governance practices are frequently referenced as part of RCBC’s ESG roadmap.
These pages summarize publicly available statements and headline metrics and are intended for informational use.
Use the navigation to review the ratings overview, snapshots, ESG profile, and key financial drivers.
For a complete view, consult the original publications from the relevant agencies and official investor materials.
Ratings and outlooks can change over time; always verify the effective date of any cited action before decisions.
Key rating drivers typically include capitalization, asset quality, earnings, liquidity, and operating environment.
A stable outlook generally indicates expectations that key credit metrics will remain consistent in the near term.
Upgrade or downgrade pressure often depends on sustained improvements or deterioration in solvency and risk indicators.
Government support assumptions can influence uplift relative to a bank’s standalone credit strength.
ESG ratings summarize how environmental, social, and governance factors may affect long‑term risk and opportunity.
Moody’s Baa3 Rating
Strategic themes discussed include digital transformation, AI adoption in operations, and cybersecurity and customer experience efforts.
Sustainable finance and governance practices are frequently referenced as part of RCBC’s ESG roadmap.
These pages summarize publicly available statements and headline metrics and are intended for informational use.
