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SEC Form 17-A Annual Report

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SEC Form 17-A Annual Report COVER SHEET 1 7 5 1 4 S.E.C. Registration Number R I Z A L C O M M E R C I A L B A N K I N G C O R P O R A T I O N A N D S U B S I D I A R I E S (Company's Full Name) Y U C H E N G C O T O W E R , R C B C P L A Z A, 6 8 1 9 A Y A L A A V E N U E , M A K A T I C I T Y CARMELA V. SILVERIO 8 8 9 4 9 0 0 0 Contact Person Company Telephone Number 1 2 3 1 1 7 A 0 6 2 6 Month Day FORM TYPE Month Day Fiscal Year Annual Meeting Secondary License Type, If Applicable S E C Dept. Requiring this Doc. Amended Articles Number/Section Total Amount of Borrowings 8 2 2 Total No. of Stockholders [1] Domestic Foreign To be accomplished by SEC Personnel concerned File Number LCU Document I.D. Cashier S T A M P S [1] Inclusive of preferred shareholders SEC Number 17514 _ PSE Code _______ File Number _______ ______________________________________________________ RIZAL COMMERCIAL BANKING CORPORATION AND SUBSIDIARIES ______________________________________________________ (Company’s Full Name) Yuchengco Tower, RCBC Plaza 6819 Ayala Ave. corner Sen G.J. Puyat Ave., Makati City ______________________________________________________ (Company’s Address) 8894-9000 ______________________________________________________ (Telephone Number) December 31, 2019 ______________________________________________________ (Fiscal year ending) SEC FORM 17-A ______________________________________________________ Form Type ______________________________________________________ Amendment Designation (if applicable) ______________________________________________________ Period Ended Date ______________________________________________________ (Secondary License Type and File Number) SECURITIES AND EXCHANGE COMMISSION SEC FORM 17-A ANNUAL REPORT PURSUANT TO SECTION 17 OF THE SECURITIES REGULATION CODE AND SECTION 141 OF CORPORATION CODE OF THE PHILIPPINES 1. For the fiscal year ended December 31, 2019 2. SEC Identification Number 17514 4. BIR Tax Identification No. 000-599-760-000 3. Exact name of registrant as specified in its charter: RIZAL COMMERCIAL BANKING CORP. 5. Philippines 6. (SEC Use Only) Province, Country or other jurisdiction of Industry Classification Code: incorporation or organization 7. RCBC Plaza Yuchengco Tower 6819 Ayala Ave. cor. Sen. Puyat Avenue, Makati City 1200 Address of principal office Postal Code 8. (632) 8894-9000 Registrant’s telephone number, including area code 9. Not applicable Former name, former address & former fiscal year, if changed since last report 10. Securities registered pursuant to Sections 4 and 8 of the RSA Number of Shares of Common Stock Outstanding and Title of Each Class Amount of Debt Outstanding Common Stock, P10 par value 1,935,628,896 (as of 31 Mar 2020) Are any or all of these securities listed on the Philippine Stock Exchange Yes (x) No ( ) 12. Check whether the registrant: (a) has filed all reports required to be filed by Section 17 of the SRC thereunder or Section 11 of the RSA and RSA Rule 11(a)-1 thereunder and Sections 26 and 141 of the Corporation Code of the Philippines during the preceding 12 months (or for such shorter period that the registrant was required to file such reports); Yes (x) No ( ) (b) has been subject to such filing requirements for the past 90 days Yes (x) No ( ) 13. Aggregate market value of the voting stock held by non-affiliates: P 21,207,300,489.00 (as of Dec 31, 2019, P23.00 per share) NOTE For transparency, we are providing you the computation used for # 13 Aggregate market value of the voting stock held by non-affiliates below. Value Source Total Number of Shares 1,935,628,896 PSE YGC Shares* 1,013,572,453 Jun Madrid (Stock Transfer) Non YGC Shares 922,056,543 Total Number of Shares – YGC Shares Share Price Php 23.00 PSE Aggregate Market Value Php 21,207,300,489.00 Non YGC Shares x Share Price *YGC Shares Breakdown YGC Combined Ownership in RCBC Common Rank Name Shares % 1 PAN MALAYAN MANAGEMENT AND INVESTMENT CORP. 806,431,473 41.66% 2 GPL HOLDINGS INC. 75,676,934 3.91% 3 RCBC TIG AS TRUSTEE OF TA# 75-077-8 FAO RCBC 51,754,520 2.67% RETIREMENT PLAN 4 MALAYAN INSURANCE CO., INC. 60,146,595 3.11% 5 MICO EQUITIES, INC. 13,721,475 0.71% 6 Manila Memorial Park Cemetery 1,237,630 0.06% 7 House of Investments Inc. 64,986 0.00% 8 Grepa Realty Holdings Corp. 3,141,537 0.16% 9 RCBC Capital Corporation 1,462,289 0.08% Total (inclusive of theoretical conversion to Common shares of outstanding Preferred shares) 1,013,572,453 52.36% TABLE OF CONTENTS Page No. PART I - BUSINESS AND GENERAL INFORMATION Item 1. Business 1 Item 2. Properties 21 Item 3. Legal Proceedings 42 Item 4. Submission of Matters to a Vote of Security Holders 43 PART II - OPERATIONAL AND FINANCIAL INFORMATION Item 5. Market for Issuer’s Common Equity and Related Stockholder Matters 43 Item 6. Management’s Discussion and Analysis or Plan of Operation 46 Item 7. Financial Statements 72 Item 8. Information on Independent Accountant and Other Related Matters 72 PART III - CONTROL AND COMPENSATION INFORMATION Item 9. Directors and Executive Officers of the Issuer 73 Item 10. Executive Compensation 94 Item 11. Security Ownership of Certain Beneficial Owners and Management 95 Item 12. Certain Relationships and Related Transactions 97 PART IV - EXHIBITS AND SCHEDULES Item 13. Exhibits and Reports on SEC Form 17-C (Current Report) 100 SIGNATURES 106 Rizal Commercial Banking Corporation: 2019 SEC Form 17-A PART I - BUSINESS AND GENERAL INFORMATION Item 1. Business Rizal Commercial Banking Corporation (RCBC or the Bank) is a universal bank in the Philippines that provides a wide range of banking and financial products and services. It has total resources of P767 billion and total networth of P82.85 billion, including minority interest, as of end-December 2019. The Bank ranked seventh (7th) in terms of assets among private local banks. In terms of business centers, the Bank, excluding government-owned and foreign banks, ranked sixth (6th) with a consolidated network of 507 business centers inclusive of 11 extension offices and supplemented by 1,530 ATMs as of December 31, 2019. The Bank offers commercial, corporate and consumer lending products, cash management products, treasury products, and remittance services. RCBC also enters into forward currency contracts as an accommodation to its clients and as a means of managing its foreign exchange exposures. The Bank and its subsidiaries (hereinafter referred to as the Group) are engaged in all aspects of traditional banking, investment banking, retail financing (auto, mortgage/housing loans, credit cards and microfinance loans), remittance, leasing, foreign exchange and stock brokering. The Bank, incorporated under the name Rizal Development Bank, began operations as a private development bank in the province of Rizal in 1960. In 1963, the Bank received approval from the Central Bank of the Philippines to operate as a commercial bank and began operations under its present name, Rizal Commercial Banking Corporation. RCBC obtained its universal banking license in 1989 and has been listed on the Philippine Stock Exchange Inc. (PSE) since 1986. RCBC’s common shares are 41.66% directly and indirectly owned by Pan Malayan Management and Investment Corporation (PMMIC), a company incorporated and domiciled in the Philippines. PMMIC is the holding company of the flagship institutions comprising the Yuchengco Group of Companies (YGC) and other investments. Other significant investors include the World Bank’s International Finance Corporation and Cathay Life Insurance Co. Ltd., a wholly-owned subsidiary of Cathay Financial which is the largest publicly listed financial holding company in Taiwan. The registered address of RCBC is Yuchengco Tower, RCBC Plaza, 6819 Ayala Avenue, Makati City. Through its universal banking license, the Bank is allowed to perform a number of expanded commercial and investment bank functions and to invest in the equity of a variety of allied and non-allied financial and non-financial undertakings. The Bank’s subsidiaries are as follows: RCBC Capital Corporation (RCBC Capital), a 99.96% owned subsidiary, was established in 1974 as the Bank’s investment banking subsidiary. It offers a complete range of investment banking and financial consultancy services which include (i) the underwriting of equity, quasi-equity and debt securities on a firm or best efforts basis for private placement or public distribution; (ii) the syndication of foreign currency or peso loans; and (iii) financial advisory services. RCBC Securities, Inc. (RCBC Securities), a wholly-owned subsidiary of RCBC Capital, is engaged in the electronic and traditional trading of listed securities and in providing corporate and market research. RCBC Bankard Services Corporation (RCBC Bankard), a wholly-owned subsidiary of RCBC Capital is engaged in providing services to the credit card business of the Bank. Rizal Commercial Banking Corporation: 2019 SEC Form 17-A 1 RCBC Savings Bank, Inc. (RSB), RCBC and RSB, a wholly owned subsidiary of RCBC, were merged on July 22, 2019 as approved by the RCBC Board on November 26, 2018, by the RSB Board on November 27, 2018, by the stockholders on February 26, 2019, by the BSP on June 17, 2019 and the SEC on July 22, 2019 with the former as the surviving entity. RCBC Forex Brokers Corporation (RCBC Forex), a wholly-owned subsidiary of the Bank, was incorporated in 1998. RCBC Forex is primarily engaged in dealing and brokering currencies in foreign exchange contracts with local and international clients. In 2016, the foreign exchange business of RCBC Forex was consolidated into RCBC Treasury Group such that RCBC Forex will only continue dealing with money changers, foreign exchange dealers and remittance agents.
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