8 REAL ESTATE EXPOSURE
 
 
Philippine Banking System
as of end of periods indicated
in billion pesos
 
          Bank Proper and Trust Department Bank Proper Trust Department
  Mar-13/r Jun-13/r Sep-13/r Dec-13/r Mar-13 Jun-13 Sep-13 Dec-13 Mar-13/r Jun-13/r Sep-13/r Dec-13/r  
                           
  Levels1
  Real Estate Loans (REL) 715.520 762.493 787.967 843.013 707.920 756.016 781.140 837.028 7.599 6.477 6.827 5.985  
  Residential REL 280.709 296.107 308.279 322.434 279.466 294.353 306.555 320.702 1.243 1.754 1.724 1.732  
  Commercial REL 434.811 466.386 479.688 520.579 428.454 461.662 474.585 516.326 6.357 4.724 5.103 4.253  
  Current 688.653 735.327 759.002 817.823 681.870 729.675 753.005 812.013 6.782 5.651 5.997 5.810  
  Residential REL 269.903 285.935 297.238 311.895 268.709 284.239 295.575 310.221 1.193 1.696 1.663 1.674  
  Commercial REL 418.750 449.392 461.764 505.928 413.161 445.436 457.429 501.792 5.589 3.956 4.335 4.136  
  Past Due (PD) REL 26.867 27.166 28.965 25.190 26.050 26.340 28.136 25.015 0.817 0.826 0.829 0.175  
  Residential REL 10.806 10.172 11.041 10.539 10.757 10.114 10.980 10.481 0.049 0.058 0.061 0.058  
  Commercial REL 16.061 16.994 17.923 14.651 15.293 16.226 17.156 14.534 0.768 0.768 0.768 0.117  
  Gross Non-Performing (NP) REL 25.410 24.942 25.319 23.641 24.595 24.118 24.492 23.466 0.815 0.824 0.828 0.175  
  Residential REL 9.834 9.248 9.860 9.540 9.786 9.191 9.800 9.482 0.047 0.056 0.060 0.058  
  Commercial REL 15.576 15.694 15.459 14.101 14.808 14.927 14.691 13.984 0.768 0.768 0.768 0.117  
  Real Estate Investment (REI) 127.097 137.655 151.808 163.554 34.980 41.974 44.969 48.403 92.117 95.681 106.839 115.151  
  Debt Securities 75.846 79.337 89.069 101.058 25.454 32.959 37.522 42.457 50.392 46.378 51.547 58.601  
  Equity Securities 51.252 58.318 62.739 62.496 9.526 9.014 7.447 5.946 41.725 49.303 55.292 56.549  
  Past Due (PD) REI 0.053 0.053 0.050 0.050 0.000 0.000 0.000 0.000 0.053 0.053 0.050 0.050  
  Debt Securities 0.053 0.053 0.050 0.050 0.000 0.000 0.000 0.000 0.053 0.053 0.050 0.050  
  Equity Securities 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
   
  Ratios (%)  
  Real Estate Loans (REL)  
  RELs/TLP (exclusive of IBL) 17.478 17.985 17.849 17.815 17.593 18.066 17.913 17.873 10.867 11.810 12.640 12.231  
  Residential REL / REL 39.231 38.834 39.123 38.248 39.477 38.935 39.245 38.314 16.352 27.074 25.255 28.944  
  Commercial REL/ REL 60.769 61.166 60.877 61.752 60.523 61.065 60.755 61.686 83.648 72.926 74.745 71.056  
  PDREL / REL 3.755 3.563 3.676 2.988 3.680 3.484 3.602 2.989 10.751 12.753 12.148 2.924  
  PD Residential REL / Residential REL 3.850 3.435 3.582 3.269 3.849 3.436 3.582 3.268 3.950 3.315 3.563 3.350  
  PD Commercial REL / Commercial REL 3.694 3.644 3.736 2.814 3.569 3.515 3.615 2.815 12.080 16.256 15.049 2.750  
  Gross NPREL / REL 3.551 3.271 3.213 2.804 3.474 3.190 3.135 2.804 10.726 12.725 12.123 2.922  
  Gross NP Residential REL / Residential REL 3.503 3.123 3.198 2.959 3.502 3.123 3.197 2.957 3.796 3.213 3.464 3.344  
  Gross NP Commercial REL/ Commercial REL 3.582 3.365 3.223 2.709 3.456 3.233 3.096 2.708 12.080 16.256 15.049 2.750  
  Real Estate Investment (REI)  
  PDREI / REI 0.042 0.039 0.033 0.031 0.000 0.000 0.000 0.000 0.058 0.056 0.047 0.043  
  PD Debt Securities REI / Debt Securities REI 0.070 0.067 0.056 0.049 0.000 0.000 0.000 0.000 0.106 0.115 0.097 0.085  
  PD Equity Securities REI / Equity Securities REI 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
                                         
   
  Note: Details may not add up to totals due to rounding-off  
  1/ Inclusive of Subsidiaries  
  r/revised  
   
  Source: Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas  
  Updated as of 15 September 2014