{"product_id":"rcbc-pestle-analysis","title":"RCBC PESTLE Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePlan Smarter. Present Sharper. Compete Stronger.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how political shifts, economic trends, and technological advances are reshaping RCBC’s strategic landscape—our concise PESTLE highlights key risks and opportunities you need to know; purchase the full analysis to get the complete, actionable roadmap for investors and strategists.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eolitical factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidterm Election Policy Continuity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe May 2025 midterm elections reshaped legislative priorities, with 38% of local councils reporting new leadership and 22% of municipal budgets revised toward social spending, affecting RCBC’s public finance pipeline.\u003c\/p\u003e\n\u003cp\u003ePotential shifts in fiscal priorities could reduce or reallocate P3 infrastructure projects; RCBC’s outstanding infrastructure loans of PHP 42.1 billion (2024 YE) face reprioritization risk.\u003c\/p\u003e\n\u003cp\u003eConversely, stable councils continued 60% of planned projects, preserving near-term lending opportunities for RCBC in transport and utilities finance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGeopolitical Tensions in the Region\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOngoing maritime disputes in the West Philippine Sea have contributed to a 7% drop in FDI approvals to $6.1bn in 2024 vs 2023, prompting RCBC to monitor investor sentiment and credit exposure as corporate client revenues face trade and logistics disruptions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Partnership with Japanese Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe strategic partnership with Sumitomo Mitsui Banking Corporation, holding a 20% stake after its 2016 investment and ongoing technical support, strengthens RCBCs political resilience by buffering local volatility and enhancing access to global capital markets,—evidenced by RCBCs improved foreign funding lines and participation in syndicated deals totaling over USD 500m in 2024—and aligns with Philippine policy to deepen Japanese investment and fintech collaboration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Push for Financial Inclusion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe administration's push to digitize social services—over 85 million conditional cash transfer and pension disbursements moved to digital channels in 2024—boosts RCBC's DiskarTech adoption and transaction volumes.\u003c\/p\u003e\n\u003cp\u003eAlignment with state financial literacy and e-pay initiatives positions RCBC favorably with regulators, aiding compliance and trust metrics.\u003c\/p\u003e\n\u003cp\u003ePolitical support has eased approvals for digital product launches and rural expansion, contributing to DiskarTech's 2024 user base growth of over 6 million.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDigital social payouts: 85M+ in 2024\u003c\/li\u003e\n\u003cli\u003eDiskarTech users: 6M+ (2024)\u003c\/li\u003e\n\u003cli\u003eFavorable regulatory approvals for digital rollouts\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTax Reform and Fiscal Policy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eChanges in corporate tax rates and documentary stamp taxes directly compress net interest margins and fee income; for example, a 1 percentage-point rise in corporate tax could lower after-tax ROE by ~0.4–0.6 percentage points for Philippine banks like RCBC (2024 peer estimates). RCBC must update stress-testing and pricing models as government revenue measures evolve to protect margins.\u003c\/p\u003e\n\u003cp\u003eLegislative emphasis on ease of doing business—Philippines improved to 95th in World Bank Doing Business 2020 metrics and ongoing reforms in 2024–25—can shorten loan approval cycles, reducing administrative overhead and lowering cost-to-income ratios.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eModel updates: reprice loans to offset tax shifts\u003c\/li\u003e\n\u003cli\u003eStress tests: incorporate documentary stamp scenarios\u003c\/li\u003e\n\u003cli\u003eOperational gains: faster loan processing cuts admin costs\u003c\/li\u003e\n\u003cli\u003eFinancial impact: ~0.4–0.6 ppt ROE sensitivity to 1 ppt tax change\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidterms, maritime strains squeeze FDI to $6.1bn while digital payouts and SMBC stake bolster resilience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePolitical shifts from the May 2025 midterms and maritime tensions compressed FDI to $6.1bn (2024), threatened PHP 42.1bn of RCBC infrastructure loans, but digital social payouts (85M+ in 2024) and DiskarTech growth (6M+ users) preserved retail volumes; SMBC’s 20% stake and $500m+ syndicated deals in 2024 improved funding resilience while tax changes could cut ROE ~0.4–0.6 ppt per 1ppt move.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eFDI approvals (2024)\u003c\/td\u003e\n\u003ctd\u003e$6.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRCBC infra loans (2024 YE)\u003c\/td\u003e\n\u003ctd\u003ePHP 42.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital social payouts (2024)\u003c\/td\u003e\n\u003ctd\u003e85M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDiskarTech users (2024)\u003c\/td\u003e\n\u003ctd\u003e6M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMBC stake\u003c\/td\u003e\n\u003ctd\u003e20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSyndicated deals (2024)\u003c\/td\u003e\n\u003ctd\u003e$500m+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eROE sensitivity\u003c\/td\u003e\n\u003ctd\u003e~0.4–0.6 ppt per 1ppt tax\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eExplores how macro-environmental factors uniquely affect RCBC across Political, Economic, Social, Technological, Environmental, and Legal dimensions, with data-backed trends and forward-looking insights to inform strategy, risk management, and investor communications.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondensed PESTLE insights for RCBC that can be dropped into presentations or strategy packs, enabling quick alignment on regulatory, economic, and technological risks during planning sessions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Normalization Trends\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFollowing inflation peaks, the Bangko Sentral ng Pilipinas raised policy rates to a 14-year high of 6.25% in 2023–24 and by Jan 2025 signaled stabilization; RCBC’s net interest margin, which averaged 3.4% in 2024, will hinge on BSP moves in 2025. The bank is rebalancing its asset-liability mix—shorter-duration securities and repricing deposits—to protect yields in a potentially easing or stable rate path. Rate direction also shapes demand: mortgage originations fell 8% YoY in 2024 while corporate loan pipelines softened, making pricing and tenor management critical for RCBC’s lending growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGDP Growth and Consumer Spending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRobust Philippine GDP growth—6.0% in 2023 and IMF-projected 5.5% for 2024—boosts retail banking and credit card demand, with household consumption contributing ~70% of GDP; RCBC leverages a diversified portfolio to capture spending by a middle class now ~35% of households, driving card receivables and consumer loans growth of mid-teens in 2023. Economic resilience supported net NPLs at 1.8% in 2023 across RCBC’s lending book.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Pressures on Operational Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWhile headline inflation in the Philippines eased to 3.6% in Dec 2025, labor and tech service costs remain sensitive to global supply-chain disruptions and energy price volatility; Philippines wage growth accelerated ~4.2% YoY in 2024, and cloud\/IT outsourcing rates rose ~6–8% globally in 2024–25. RCBC has rolled out cost-efficiency programs cutting operating expenses ratio toward 54% in 2024 and is investing in automation to absorb admin overheads—automation adoption will be critical to sustaining 2025 margins.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange Volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eFluctuations in the Philippine peso vs. the US dollar affect RCBC’s foreign currency deposit units and trade finance volumes; peso fell about 3.8% vs. USD in 2024, raising FX risk on dollar-denominated assets of roughly PHP 120–150 billion.\u003c\/p\u003e\n\u003cp\u003eRCBC offers client hedging (forwards, swaps) while actively hedging its own exposure to limit balance-sheet volatility; net open FX positions are monitored to cap VaR and liquidity strain.\u003c\/p\u003e\n\u003cp\u003eVolatility materially influences remittance margins and valuation of dollar assets, with remittance inflows at ~USD 3.5 billion in 2024 increasing sensitivity to exchange swings.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePesodropped ~3.8% vs USD in 2024, impacting PHP120–150B in dollar assets\u003c\/li\u003e\n\u003cli\u003eRCBC provides forwards and swaps to clients and hedges proprietary exposure\u003c\/li\u003e\n\u003cli\u003eRemittances ~USD3.5B in 2024 heighten sensitivity to FX moves\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGrowth of the MSME Sector\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpsmall and medium enterprises account for of philippine businesses contributed about gdp in making them core targets rcbc lending expansion supportive policies like the bsp msme financing push create tax reforms boost credit demand repayment capacity.\u003e\n\u003cprcbc can scale msme loans growing double digits in offering tailored products capital supply-chain finance digital lending reinforcing its role national job creation and economic diversification while expanding loan book fee income.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMSMEs: 99.6% of firms, ~32.3% GDP (2023)\u003c\/li\u003e\n\u003cli\u003ePolicy tailwinds: BSP MSME financing initiatives, CREATE benefits\u003c\/li\u003e\n\u003cli\u003eOpportunity: double-digit MSME loan growth (2024) via targeted products\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/prcbc\u003e\u003c\/psmall\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust growth, stable rates and MSME-led loans power Philippines recovery\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEconomic tailwinds: 2023 GDP 6.0%, IMF 2024 est 5.5%; BSP policy rate peaked 6.25% (2023–24) with stabilization signaled Jan 2025; 2024 NIM ~3.4%, NPLs 1.8%; peso -3.8% vs USD (2024), USD remittances ~3.5B; MSMEs 99.6% firms, ~32.3% GDP (2023), RCBC double-digit MSME loan growth (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2023–24\/2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGDP\u003c\/td\u003e\n\u003ctd\u003e6.0% \/ 5.5% (IMF)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBSP rate\u003c\/td\u003e\n\u003ctd\u003e6.25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e3.4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e1.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePeso vs USD\u003c\/td\u003e\n\u003ctd\u003e-3.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRemittances\u003c\/td\u003e\n\u003ctd\u003eUSD 3.5B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSMEs\u003c\/td\u003e\n\u003ctd\u003e99.6% firms, 32.3% GDP\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003eRCBC PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact RCBC PESTLE Analysis document you’ll receive after purchase—fully formatted, professionally structured, and ready to use for strategic planning or investment review.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56751296905593,"sku":"rcbc-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/rcbc-pestle-analysis.png?v=1772229926","url":"https:\/\/matrixbcg.com\/products\/rcbc-pestle-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}