Rizal Commercial Banking Corporation (the Bank) is a Philippines-based universal bank. The Bank offers commercial, corporate and consumer lending products, cash management products, treasury products, remittance services as well as digital and mobile banking services. Its business segments include Retail, which handles the business centers offering a range of financial products and services, such as individual customer's deposits, overdraft facilities, payment remittances and foreign exchange transactions; Corporate, which principally handles distinct customer segments, such as conglomerates, corporations, Korean and Filipino-Chinese businesses; Small and Medium Enterprises (SME), which handles the financial needs of the small businesses or the SMEs and the commercial middle market segments; Treasury, which principally provides money market, trading and treasury services, as well as the management of the Company’s funding operations; and Others, which consists of other subsidiaries.