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-15 Jun-15 Sep-15 Dec-15 Mar-15 Jun-15 Sep-15 Dec-15 Mar-15 Jun-15 Sep-15 Dec-15  
                           
  Levels/1
  Real Estate Loans (REL) 1,092.954 1,176.423 1,232.710 1,306.614 1,088.820 1,172.130 1,228.286 1,301.078 4.134 4.293 4.424 5.535  
  Residential REL 413.212 411.181 427.370 446.121 411.636 409.645 425.851 444.617 1.576 1.536 1.520 1.503  
  Commercial REL 679.742 765.242 805.340 860.493 677.184 762.486 802.436 856.461 2.558 2.757 2.905 4.032  
  Current REL 1,061.314 1,146.630 1,201.560 1,274.545 1,057.346 1,142.487 1,197.270 1,269.743 3.967 4.144 4.290 4.801  
  Residential REL 397.293 396.392 412.451 430.610 395.772 394.911 410.987 429.166 1.520 1.481 1.464 1.444  
  Commercial REL 664.021 750.239 789.109 843.935 661.574 747.576 786.283 840.577 2.447 2.663 2.826 3.357  
  Past Due (PD) REL 31.640 29.793 31.151 31.466 31.474 29.643 31.017 31.335 0.166 0.149 0.134 0.131  
  Residential REL 15.919 14.789 14.919 15.511 15.864 14.733 14.863 15.452 0.055 0.056 0.056 0.059  
  Commercial REL 15.721 15.004 16.231 15.955 15.610 14.910 16.153 15.884 0.111 0.094 0.078 0.072  
  Gross Non-Performing (NP) REL 28.100 27.181 27.636 27.205 27.934 27.032 27.502 27.074 0.166 0.149 0.134 0.131  
  Residential REL 13.152 12.938 13.167 13.827 13.097 12.882 13.111 13.768 0.055 0.056 0.056 0.059  
  Commercial REL 14.948 14.243 14.470 13.378 14.837 14.149 14.391 13.307 0.111 0.094 0.078 0.072  
  Real Estate Investment (REI) 180.111 182.627 199.441 209.702 60.528 63.917 70.507 72.268 119.584 118.709 128.934 137.434  
  Debt Securities 110.729 112.855 124.052 130.544 50.363 53.812 60.380 62.157 60.365 59.043 63.672 68.386  
  Equity Securities 69.383 69.772 75.389 79.159 10.164 10.106 10.128 10.111 59.219 59.666 65.261 69.048  
  Past Due (PD) 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  
  Debt 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  
  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)  
  REL/Total Loan Portfolio (exclusive of IBL) 19.54 20.42 20.72 20.40 19.64 20.51 20.81 20.47 8.28 9.18 9.15 11.74  
  Residential REL / REL 37.81 34.95 34.67 34.14 37.81 34.95 34.67 34.17 38.12 35.79 34.35 27.16  
  Commercial REL/ REL 62.19 65.05 65.33 65.86 62.19 65.05 65.33 65.83 61.88 64.21 65.65 72.84  
  PDREL / REL 2.89 2.53 2.53 2.41 2.89 2.53 2.53 2.41 4.03 3.48 3.03 2.37  
  PD Residential REL / Residential REL 3.85 3.60 3.49 3.48 3.85 3.60 3.49 3.48 3.51 3.64 3.67 3.95  
  PD Commercial REL / Commercial REL 2.31 1.96 2.02 1.85 2.31 1.96 2.01 1.85 4.34 3.39 2.70 1.78  
  Gross NPREL / REL 2.57 2.31 2.24 2.08 2.57 2.31 2.24 2.08 4.02 3.48 3.03 2.36  
  Gross NP Residential REL / Residential REL 3.18 3.15 3.08 3.10 3.18 3.14 3.08 3.10 3.51 3.63 3.66 3.94  
  Gross NP Commercial REL/ Commercial REL 2.20 1.86 1.80 1.55 2.19 1.86 1.79 1.55 4.34 3.39 2.70 1.78  
  Real Estate Investment (REI)  
  PDREI / 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  
  PD Debt Securities REI / Debt 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  
  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  
                                         
   
  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 2016