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-16 Jun-16 Sep-16 Dec-16 Mar-16 Jun-16 Sep-16 Dec-16 Mar-16 Jun-16 Sep-16 Dec-16  
                           
  Levels/1
  Real Estate Loans (REL) 1,331.405 1,389.287 1,450.724 1,548.990 1,326.416 1,384.288 1,445.828 1,543.474 4.988 4.999 4.896 5.516  
  Residential REL 462.396 481.315 506.291 529.904 460.940 479.920 504.935 528.571 1.456 1.395 1.356 1.333  
  Commercial REL 869.008 907.972 944.433 1,019.086 865.476 904.368 940.893 1,014.903 3.532 3.604 3.540 4.183  
  Current REL 1,300.193 1,357.681 1,419.376 1,517.064 1,295.320 1,352.816 1,414.607 1,511.651 4.873 4.865 4.769 5.413  
  Residential REL 445.962 464.485 489.242 512.260 444.564 463.148 487.948 510.981 1.398 1.337 1.294 1.279  
  Commercial REL 854.231 893.196 930.134 1,004.804 850.756 889.668 926.659 1,000.670 3.474 3.528 3.475 4.134  
  Past Due (PD) REL 31.212 31.606 31.348 31.935 31.096 31.472 31.221 31.823 0.116 0.133 0.127 0.112  
  Residential REL 16.434 16.830 17.049 17.644 16.376 16.772 16.987 17.590 0.058 0.058 0.062 0.054  
  Commercial REL 14.778 14.776 14.299 14.292 14.720 14.700 14.233 14.233 0.058 0.076 0.065 0.058  
  Gross Non-Performing (NP) REL 28.388 28.231 28.074 28.828 28.272 28.098 27.947 28.715 0.116 0.133 0.127 0.112  
  Residential REL 14.574 14.223 14.460 14.944 14.516 14.165 14.398 14.890 0.058 0.058 0.062 0.054  
  Commercial REL 13.814 14.008 13.615 13.884 13.756 13.932 13.549 13.825 0.058 0.076 0.065 0.058  
  Real Estate Investment (REI) 222.563 233.328 250.903 263.107 73.526 72.654 73.439 81.652 149.036 160.675 177.464 181.456  
  Debt Securities 138.362 142.261 144.645 158.823 64.816 64.171 64.908 73.171 73.547 78.090 79.737 85.652  
  Equity Securities 84.200 91.067 106.258 104.285 8.711 8.483 8.531 8.481 75.489 82.584 97.727 95.804  
  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) 20.79 20.76 21.00 20.77 20.84 20.82 21.06 20.83 12.02 11.49 10.85 11.88  
  Residential REL / REL 34.73 34.64 34.90 34.21 34.75 34.67 34.92 34.25 29.19 27.90 27.69 24.17  
  Commercial REL/ REL 65.27 65.36 65.10 65.79 65.25 65.33 65.08 65.75 70.81 72.10 72.31 75.83  
  PDREL / REL 2.34 2.27 2.16 2.06 2.34 2.27 2.16 2.06 2.32 2.67 2.59 2.04  
  PD Residential REL / Residential REL 3.55 3.50 3.37 3.33 3.55 3.49 3.36 3.33 3.97 4.15 4.54 4.04  
  PD Commercial REL / Commercial REL 1.70 1.63 1.51 1.40 1.70 1.63 1.51 1.40 1.64 2.10 1.84 1.40  
  Gross NPREL / REL 2.13 2.03 1.94 1.86 2.13 2.03 1.93 1.86 2.32 2.67 2.59 2.04  
  Gross NP Residential REL / Residential REL 3.15 2.96 2.86 2.82 3.15 2.95 2.85 2.82 3.97 4.15 4.54 4.04  
  Gross NP Commercial REL/ Commercial REL 1.59 1.54 1.44 1.36 1.59 1.54 1.44 1.36 1.64 2.10 1.84 1.40  
  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 28 February 2017