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-17 Jun-17 Sep-17 Dec-17 Mar-17 Jun-17 Sep-17 Dec-17 Mar-17 Jun-17 Sep-17 Dec-17  
                           
  Levels/1
  Real Estate Loans (REL) 1,595.415 1,644.248 1,709.851 1,800.974 1,589.717 1,638.789 1,704.902 1,795.760 5.699 5.460 4.950 5.214  
  Residential REL 542.132 561.311 585.510 608.142 540.823 560.029 584.240 606.899 1.308 1.282 1.270 1.243  
  Commercial REL 1,053.284 1,082.937 1,124.341 1,192.832 1,048.893 1,078.760 1,120.662 1,188.862 4.390 4.177 3.679 3.970  
  Current REL 1,560.755 1,609.632 1,676.361 1,767.187 1,555.163 1,604.278 1,671.511 1,762.068 5.592 5.355 4.850 5.119  
  Residential REL 523.458 541.541 565.167 587.248 522.209 540.323 563.960 586.070 1.248 1.218 1.207 1.178  
  Commercial REL 1,037.297 1,068.091 1,111.194 1,179.939 1,032.954 1,063.955 1,107.551 1,175.998 4.343 4.136 3.643 3.941  
  Past Due (PD) REL 34.661 34.616 33.490 33.788 34.553 34.511 33.391 33.692 0.107 0.105 0.100 0.095  
  Residential REL 18.674 19.770 20.343 20.894 18.614 19.706 20.280 20.829 0.060 0.064 0.063 0.066  
  Commercial REL 15.987 14.846 13.148 12.893 15.939 14.805 13.111 12.863 0.047 0.041 0.036 0.030  
  Gross Non-Performing (NP) REL 30.725 29.575 29.436 29.460 30.618 29.470 29.344 29.378 0.107 0.105 0.092 0.082  
  Residential REL 15.745 16.580 17.022 17.322 15.685 16.515 16.966 17.270 0.060 0.064 0.055 0.052  
  Commercial REL 14.980 12.995 12.414 12.138 14.933 12.954 12.378 12.108 0.047 0.041 0.036 0.030  
  Real Estate Investment (REI) 270.473 279.832 295.816 276.968 80.297 85.762 90.511 85.463 190.176 194.070 205.305 191.505  
  Debt Securities 162.860 172.381 184.382 174.026 71.715 77.270 81.646 78.675 91.145 95.111 102.736 95.351  
  Equity Securities 107.614 107.451 111.434 102.943 8.582 8.492 8.865 6.788 99.031 98.959 102.569 96.155  
  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) 21.04 20.79 20.72 20.60 21.09 20.85 20.78 20.64 13.08 12.03 10.98 12.01  
  Residential REL / REL 33.98 34.14 34.24 33.77 34.02 34.17 34.27 33.80 22.96 23.49 25.67 23.85  
  Commercial REL/ REL 66.02 65.86 65.76 66.23 65.98 65.83 65.73 66.20 77.04 76.51 74.33 76.15  
  PDREL / REL 2.17 2.11 1.96 1.88 2.17 2.11 1.96 1.88 1.88 1.92 2.01 1.83  
  PD Residential REL / Residential REL 3.44 3.52 3.47 3.44 3.44 3.52 3.47 3.43 4.59 5.01 4.97 5.27  
  PD Commercial REL / Commercial REL 1.52 1.37 1.17 1.08 1.52 1.37 1.17 1.08 1.08 0.98 0.99 0.75  
  Gross NPREL / REL 1.93 1.80 1.72 1.64 1.93 1.80 1.72 1.64 1.88 1.92 1.85 1.57  
  Gross NP Residential REL / Residential REL 2.90 2.95 2.91 2.85 2.90 2.95 2.90 2.85 4.58 5.00 4.35 4.16  
  Gross NP Commercial REL/ Commercial REL 1.42 1.20 1.10 1.02 1.42 1.20 1.10 1.02 1.08 0.98 0.99 0.75  
  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 07 March 2018