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-14 Jun-14/r Sep-14 Dec-14 Mar-14 Jun-14/r Sep-14 Dec-14 Mar-14 Jun-14/r Sep-14 Dec-14  
                           
  Levels/1
  Real Estate Loans (REL) 866.624 934.886 977.085 1043.452 860.962 929.322 971.661 1039.401 5.662 5.564 5.424 4.051   866.6245 934.8861 977.0851 1043.452 860.9624 929.3223 971.6612 1039.401 5.662073 5.563804 5.4239 4.050761 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000
  Residential REL 328.088 350.548 384.119 400.042 326.389 348.886 382.486 398.435 1.699 1.662 1.633 1.607   328.0883 350.5477 384.1194 400.0416 326.389 348.8857 382.4863 398.4349 1.69931 1.661986 1.633118 1.606718 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000
  Commercial REL 538.536 584.338 592.966 643.410 534.573 580.437 589.175 640.966 3.963 3.902 3.791 2.444   538.5361 584.3384 592.9657 643.41 534.5734 580.4366 589.1749 640.966 3.962763 3.901818 3.790782 2.444043 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Current REL 840.786 907.742 948.943 1013.123 835.298 902.352 943.700 1009.243 5.488 5.390 5.243 3.880   840.7863 907.7417 948.9428 1013.123 835.2985 902.3517 943.6998 1009.243 5.487856 5.389925 5.242941 3.880346 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Residential REL 316.798 338.115 371.390 386.067 315.156 336.510 369.821 384.514 1.642 1.605 1.569 1.553   316.7983 338.1152 371.39 386.0671 315.1563 336.5102 369.8209 384.5138 1.642043 1.605057 1.569109 1.553253 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Commercial REL 523.988 569.626 577.553 627.056 520.142 565.842 573.879 624.729 3.846 3.785 3.674 2.327   523.988 569.6264 577.5528 627.0559 520.1422 565.8416 573.879 624.7288 3.845813 3.784868 3.673832 2.327093 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Past Due (PD) REL 25.932 27.144 28.142 30.329 25.758 26.971 27.961 30.158 0.174 0.174 0.181 0.170   25.93204 27.14445 28.14235 30.32865 25.75782 26.97057 27.96139 30.15823 0.174217 0.173879 0.180959 0.170416 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000
  Residential REL 11.290 12.432 12.729 13.975 11.233 12.376 12.665 13.921 0.057 0.057 0.064 0.053   11.29003 12.43247 12.72942 13.97456 11.23276 12.37554 12.66541 13.92109 0.057267 0.056929 0.064009 0.053466 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000
  Commercial REL 14.642 14.712 15.413 16.354 14.525 14.595 15.296 16.237 0.117 0.117 0.117 0.117   14.64201 14.71198 15.41293 16.35409 14.52506 14.59503 15.29598 16.23714 0.11695 0.11695 0.11695 0.11695 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Gross Non-Performing (NP) REL 24.015 24.320 24.893 25.736 23.841 24.146 24.712 25.566 0.174 0.174 0.181 0.170   24.01519 24.31991 24.89302 25.73627 23.84107 24.14613 24.71216 25.56594 0.174118 0.173782 0.180867 0.170325 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Residential REL 10.277 11.276 11.409 12.334 10.219 11.219 11.345 12.281 0.057 0.057 0.064 0.053   10.27657 11.27583 11.40902 12.33399 10.21941 11.219 11.3451 12.28062 0.057168 0.056832 0.063917 0.053375 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Commercial REL 13.739 13.044 13.484 13.402 13.622 12.927 13.367 13.285 0.117 0.117 0.117 0.117   13.73862 13.04408 13.48401 13.40227 13.62167 12.92713 13.36706 13.28532 0.11695 0.11695 0.11695 0.11695 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Real Estate Investment (REI) 168.639 181.556 181.882 178.028 53.770 63.528 66.428 65.339 114.870 118.028 115.455 112.689   168.6393 181.556 181.8824 178.0282 53.7697 63.52846 66.42764 65.33933 114.8696 118.0276 115.4548 112.6888 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000
  Debt Securities 107.477 119.341 118.633 113.635 47.366 54.084 56.874 55.598 60.112 65.257 61.759 58.037   107.4774 119.3415 118.6334 113.6348 47.36556 54.08419 56.87394 55.59808 60.11185 65.25728 61.75948 58.03671 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Equity Securities 61.162 62.215 63.249 64.393 6.404 9.444 9.554 9.741 54.758 52.770 53.695 54.652   61.16193 62.21454 63.24897 64.39338 6.404147 9.444267 9.553701 9.741243 54.75778 52.77027 53.69527 54.65213 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000
  Past Due (PD) REI 0.050 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.050 0.000 0.000 0.000   0.05 0 0 0 0 0 0 0 0.05 0 0 0 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Debt Securities 0.050 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.050 0.000 0.000 0.000   0.05 0 0 0 0 0 0 0 0.05 0 0 0 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  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   0 0 0 0 0 0 0 0 0 0 0 0 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)  
  REL/Total Loan Portfolio (exclusive of IBL) 17.82 18.55 18.59 18.58 17.90 18.62 18.66 18.67 10.53 11.47 11.13 8.32   17.81703 18.54792 18.59052 18.58408   17.89854 18.6167 18.66034 18.67384   10.52724 11.46991 11.13017 8.320968 0.000 0.000 0.001 0.000 0.000 0.000 0.001 0.000 0.000 0.000 (0.000) 0.000
  Residential REL / REL 37.86 37.50 39.31 38.34 37.91 37.54 39.36 38.33 30.01 29.87 30.11 39.66   37.85819 37.4963 39.31279 38.3383   37.90979 37.54195 39.36416 38.33313   30.01215 29.87139 30.10966 39.6646 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000
  Commercial REL/ REL 62.14 62.50 60.69 61.66 62.09 62.46 60.64 61.67 69.99 70.13 69.89 60.34   62.14181 62.5037 60.68721 61.6617   62.09021 62.45805 60.63584 61.66687   69.98785 70.12861 69.89034 60.3354 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000
  PDREL / REL 2.99 2.90 2.88 2.91 2.99 2.90 2.88 2.90 3.08 3.13 3.34 4.21   2.992304 2.903503 2.880235 2.90657   2.991747 2.902176 2.877689 2.901502   3.076909 3.125188 3.336323 4.207 0.000 0.000 (0.000) 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  PD Residential REL / Residential REL 3.44 3.55 3.31 3.49 3.44 3.55 3.31 3.49 3.37 3.43 3.92 3.33   3.441154 3.546585 3.313922 3.493276   3.441525 3.547162 3.311337 3.493944   3.370005 3.425379 3.919425 3.327623 0.000 0.000 (0.000) 0.000 0.000 0.000 (0.000) 0.000 (0.000) 0.000 0.000 0.000
  PD Commercial REL / Commercial REL 2.72 2.52 2.60 2.54 2.72 2.51 2.60 2.53 2.95 3.00 3.09 4.79   2.718854 2.517715 2.599296 2.541784   2.717132 2.514491 2.59617 2.53323   2.951224 2.99732 3.085116 4.785104 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000
  Gross NPREL / REL 2.77 2.60 2.55 2.47 2.77 2.60 2.54 2.46 3.08 3.12 3.33 4.20   2.771119 2.601377 2.547682 2.466455   2.769119 2.598251 2.543289 2.459681   3.075156 3.123444 3.334622 4.204775 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  Gross NP Residential REL / Residential REL 3.13 3.22 2.97 3.08 3.13 3.22 2.97 3.08 3.36 3.42 3.91 3.32   3.132258 3.216633 2.970175 3.083178   3.131051 3.215667 2.966146 3.082215   3.364164 3.419544 3.913775 3.322014 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 (0.000) 0.000 0.000 0.000
  Gross NP Commercial REL/ Commercial REL 2.55 2.23 2.27 2.08 2.55 2.23 2.27 2.07 2.95 3.00 3.09 4.79   2.551104 2.232281 2.273994 2.083007   2.548138 2.227138 2.268775 2.072704   2.951224 2.99732 3.085116 4.785104 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000
  Real Estate Investment (REI)  
  PDREI / REI 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.00   0.029649 0 0 0   0 0 0 0   0.043528 0 0 0 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  PD Debt Securities REI / Debt Securities REI 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.08 0.00 0.00 0.00   0.046521 0 0 0   0 0 0 0   0.083178 0 0 0 (0.000) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 (0.000) 0.000 0.000 0.000
  PD Equity Securities REI / Equity Securities REI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00   0 0 0 0   0 0 0 0   0 0 0 0 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 9 March 2015