Rizal Commercial Banking Corp Financial Data

Company name:Rizal Commercial Banking CorpStatus:Active
End of fiscal year:December 31 2017ISINPHY7311H1463
Auditor:Punongbayan & AraulloYear established:1960
Company sector name:Financial ServicesTrading currency:PHP
Industry name:Banks - Regional - AsiaPlace of incorporation:Philippines (PH)
Industry group nameBanksDoing business in:Philippines (PH)
Address6819 Ayala Avenue Corner Sen Gil Puyat Avenue
12th Floor, Yuchengco Tower, RCBC Plaza, 0727
Tel.:+63 28949000
City/Country:Makati, PhilippinesFax:+63 28949955
Web address:http://www.rcbc.com
Company description:Rizal Commercial Banking Corp is a universal bank. It provides products & services related to traditional loans & deposits, trade finance, domestic & foreign fund transfers or remittance, cash management, treasury, & trust & custodianship services.
Price Price change [%] Bid Offer Open High Low Volume
27.35  +0.20[+0.74%] 27.25 27.30 27.35 27.40 27.35 9,500
Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
40790.54553 1935.628775 - 2.87 0.51 9.46 1.89 24.85 - 57.30

RCB KEY FIGURES (at previous day's close)

Yesterday's Close
27.15
PE Ratio
9.45977539741
Market Capitalisation
40.79B
Latest Shares Outstanding
1.94B
Earnings pS (EPS)
2.87
Dividend pS (DPS)
0.51
Dividend Yield
1.89%
Sales per Employee
3.63M
Effective Tax Rate
-
Foreign Sales
-
Domestic Sales
-
Selling, General & Adm/tive (SG...
6.19%
Research & Devlopment (R&D) as ...
0.00%
Gross Profit Margin
0.00%
EBITDA Margin
-
Pre-Tax Profit Margin
20.95%
Assets Turnover
22.53%
Return on Assets (ROA)
0.01%
Return on Equity (ROE)
0.07%
Return on Capital Invested (ROC...
-
Current Ratio
-
Leverage Ratio (Assets/Equity)
8.27%
Interest Cover
0.00
Total Debt/Equity (Gearing Rati...
1.22%
LT Debt/Total Capital
0.55%
Working Capital pS
368.73
Cash pS
62.47
Book-Value pS
367.13
Tangible Book-Value pS
-1.60
Cash Flow pS
3.83
Free Cash Flow pS
2.62
Spread
0.05
Gross gearing
0.00%
Net Debt
-93.85B

RCB Balance Sheet Chart (December 31 2017)

:liab eq:assets
Period † High Low
1 Week29.8526.40
1 Month29.8526.40
3 Months29.8526.40
6 Months30.9024.85
1 Year57.3024.85
3 Years66.0024.85
5 Years66.0024.85

Share price performance previous 3 years

Share price performance intraday

Period † Open Open Avg. VWAP Min Vol Max Vol Avg. Daily Vol [m] Change %
1 Week29.0027.8526.97123k2M460k-1.65-5.69%
1 Month28.4528.3427.582k2M228k-1.10-3.87%
3 Months27.8028.4027.931k2M142k-0.45-1.62%
6 Months28.5028.1728.011k2M164k-1.15-4.04%
1 Year57.2034.7737.279002M197k-29.85-52.19%
3 Years32.5039.8243.3690010M336k-5.15-15.85%
5 Years43.3541.6644.0415010M360k-16.00-36.91%

RCB Growth Ratios (December 31 2017)

1 year 3 years 5 years 10 years
Diluted EPS growth
0.12
-0.00
-0.10
0.01
Diluted continuous EPS growth
0.12
-0.00
-0.10
0.01
Dividend growth
-0.23
-0.18
-0.09
-0.02
Equity per share growth
0.08
0.05
0.05
0.05
Revenue growth
0.09
0.04
0.02
0.06
Operating income growth
-
-
-
-
Net income growth
0.11
-0.01
-0.07
0.03
Net income cont growth
0.11
-0.01
-0.07
0.03
CFO growth
-
-0.33
-
-0.09
FCF growth
-
-0.40
-
-0.12
Operating revenue growth
0.09
0.04
0.02
0.06

RCB Income Statement December 31 2017 (PHP)

Total Revenue
24588
Net Interest Income
18021
Interest and Dividend Income
25118
Interest Expense
7097
Non-Interest Income
6567
Fees and Commissions
3417
Fees and Commission Income
3417
Dividend Income
234
Selling,General and Administr...
1523
General and Administrative Ex...
964
Rent and Landing Fees
3165
Insurance and Claims
759
Selling and Marketing Expense
559
Depreciation and Amortization
1914
Depreciation
1914
Income from Associates and Ot...
92
Special Income/Charges
196
Write Off
79
Other Special Charges
-275
Pretax Income
5151
Provision for Income Tax
841
Net Income Available to Commo...
4308
Net Income
4308
Net Income Including Noncontr...
4310
Net Income from Continuing Op...
4310
Minority Interest
-2
DilutedNIAvailtoComStockholde...
4308
Basic EPS
2.87
Basic EPS from Continuing Ope...
2.87
Diluted EPS
2.87
Diluted EPS from Continuing O...
2.87
Basic Weighted Average Shares...
1502.4142
Diluted Weighted Average Shar...
1502.4142
Dividend Per Share
0.51
Net Income from Continuing an...
4308
Normalized Income
4144.00077655
Basic EPS,Continuing and Disc...
2.87
Diluted EPS,Continuing and Di...
2.87
Depreciation,Reconciled
1914
Net Income from Continuing Op...
4308
TotalUnusualItemsExcludingGoo...
196
TotalUnusualItems
196
Normalized Basic EPS
2.76
Normalized Diluted EPS
2.76
Tax rate for calculations
0.16

RCB Efficency Ratios (December 31 2017)

Days in sales
-
Days in inventory
-
Days in payment
-
Cash conversion cycle
-
Receivable turnover
-
Inventory turnover
-
Payable turnover
-
Fixed assets turnover
2.76
Assets turnover
0.05
ROE
0.07
ROA
0.01
ROIC
-
FCF sales ratio
0.16
FCF net income ratio
0.91
Capital expenditure sales ratio
0.07

RCB Financial Health Ratios (December 31 2017)

Current ratio
-
Quick ratio
-
Debt total capital ratio
0.55
Debt equity ratio
1.22
Financial leverage
8.27
Total debt to equity
1.22

RCB Avearge Growth Ratios Over 5 Years (December 31 2017)

Growth ann capital spending
-0.06
Growth ann gross profit
-
Avg gross margin
-
Avg post tax margin
0.20
Avg pre tax marginr
0.23
Avg net profit
0.20
Avg ret commonr
0.08
Avg ret assets
0.01
Avg ret invested capital
-

RCB Profitability Ratios (December 31 2017)

Gross margin
-
Operating margin
-
EBT margin
0.21
Tax rate
0.16
Net margin
0.18
Sales per employee
3,630,296.77
EBIT margin
-
EBITDA margin
-
Normalized net profit margin
0.17
Interest coverage
-
Inc per employee tot ops
636,054.92

RCB Valuation Ratios (December 29 2017)

Sales per share
13.20
Growth ann sales per share 5 ye...
-0.02
Book value per share
43.28
CF per share
4.85
Price to EPS
20.75
Ratio PE 5 year high
27.83
Ratio PE 5 year low
10.77
Price to book
1.19
Price to sales
3.91
Price to cash flow
10.63
Price to free cash flow
13.44
Div rate
0.55
Dividend yield
0.01
Div payout tot ops
0.21
Div payout 5 year
0.26
Payout ratio
0.21
Sustainable growth rate
0.05
Cash return
0.09

RCB Balance Sheet December 31 2017 (PHP)

Total Assets
553988
Cash,Cash Equivalents and Fed...
103685
Cash and Cash Equivalents
93854
Cash
14791
Cash and Due from Banks
78706
Interest Bearing Deposits,Ass...
357
Money Market Investments
9831
Federal Funds Sold and Securi...
9831
Securities Purchased under Ag...
9831
Long term equity investment
417
Net Loan
312266
Other Loans
321038
Allowance for Loans and Lease...
7993
Unearned Income
-817
Receivables
23877
Prepaid Assets and Others
538
Net Property,Plant,and Equipm...
8946
Gross Property,Plant,and Equi...
15502
Land and Improvements
1283
Buildings and Improvements
4535
Machinery,Furniture/Equipment
9684
Accumulated Depreciation
-6556
Goodwill and Other Intangible...
2403
Goodwill
426
Other Intangible Assets
1977
Deferred Tax Assets
1896
Assets Held-for-Sale
1594
Other Assets
17313
Total Liabilities
486961
Total Deposits
388816
Customer Accounts
379314
Payables
8263
Accounts Payable
7571
Taxes Payable
499
Other Payable
193
Derivative Liabilities
483
Long Term Debt and Capital Le...
81995
SubordinatedLiabilities
9968
Other Liabilities
4445
Total Equity
67027
Stockholder's Equity
66999
Capital Stock
14002
Preferred Stock
3
Common Stock
13999
Additional Paid in Capital
22635
Minority Interest
28
Total Capitalization
148994
Preferred Stock Equity
3
Common Stock Equity
66996
Net Tangible Assets
64596
Invested Capital
148991
Tangible Book Value
64593
Total Debt
81995
Ordinary Shares Number
1502.324445
Preferred Shares Number
0.276845

RCB Cash Flow December 31 2017 (PHP)

Cash Flow from Operating Acti...
5759
Net Income from Continuing Op...
5151
Gain/Loss on Sale of Property...
-441
Gain/Loss on Investment Secur...
-25352
Depreciation and Amortization
1914
Depreciation
1914
Other Non-Cash Items
7097
Changes in Working Capital
-1637
Change in Accrued Expenses
-593
Change in Loans
-50172
Change in Other Current Asset...
1078
Change in Other Current Liabi...
1911
Interest Paid, CFO
-7240
Interest Received, CFO
24809
Taxes Refund/Paid
-605
Cash Flow from Investing Acti...
-9600
Purchase/Sale of Investments,...
-8274
Purchase of Investments
-33570
Sale of Investments
25296
Purchase/Sale of Property,Pla...
-1318
Purchase of Property,Plant an...
-1521
Sale of Property,Plant,and Eq...
203
Purchase/Sale of Intangibles,...
-304
Purchase of Intangibles
-304
Purchase/Sale of Business,Net
0.00
Purchase/Acquisition of Busin...
0.00
Dividends Received, CFI
296
Cash Flow from Financing Acti...
-8371
Issuance/Payments of Debt,Net
-7598
Issuance/Payments of Long Ter...
6874
Proceeds or Issuance of Long ...
20561
Payments to Settle Long Term ...
-13687
Issuance/Payments of Short Te...
-14472
Payments to Settle Short Term...
-14472
Issuance/Payments of Common S...
0.00
Proceeds or Issuance of Commo...
0.00
Payments for Common Stock
0.00
Cash Dividends Paid
-773
Common Stock Dividends Paid
-773
Cash and Cash Equivalents,End...
103181
Change in Cash
-12212
Cash and Cash Equivalents,Beg...
115393
Capital Expenditure
-1825
Issuance of Capital Stock
0.00
Issuance of Debt
20561
Repayment of Debt
-28159
Repurchase of Capital Stock
0.00
Free Cash Flow
3934
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