17 REAL ESTATE EXPOSURE
 
 
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
 
          Bank Proper and Trust Department Bank Proper Trust Department
  Mar-14 Mar-14 Mar-14  
         
  Levels/1
  Real Estate Loans (REL) 844.949 839.286 5.662  
  Residential REL 320.279 318.580 1.699  
  Commercial REL 524.669 520.707 3.963  
  Current 821.106 815.618 5.488  
  Residential REL 309.593 307.951 1.642  
  Commercial REL 511.513 507.667 3.846  
  Past Due (PD) REL 23.936 23.762 0.174  
  Residential REL 10.686 10.629 0.057  
  Commercial REL 13.251 13.134 0.117  
  Gross Non-Performing (NP) REL 22.095 21.921 0.174  
  Residential REL 9.746 9.689 0.057  
  Commercial REL 12.349 12.232 0.117  
  Real Estate Investment (REI) 168.337 53.697 114.640  
  Debt Securities 107.178 47.293 59.885  
  Equity Securities 61.159 6.404 54.755  
  Past Due (PD) REI 0.050 0.000 0.050  
  Debt Securities 0.050 0.000 0.050  
  Equity Securities 0.000 0.000 0.000  
   
  Ratios (%)  
  Real Estate Loans (REL)  
  RELs/TLP (exclusive of IBL) 17.92 18.01 10.68  
  Residential REL / REL 37.91 37.96 30.01  
  Commercial REL/ REL 62.09 62.04 69.99  
  PDREL / REL 2.83 2.83 3.08  
  PD Residential REL / Residential REL 3.34 3.34 3.37  
  PD Commercial REL / Commercial REL 2.53 2.52 2.95  
  Gross NPREL / REL 2.61 2.61 3.08  
  Gross NP Residential REL / Residential REL 3.04 3.04 3.36  
  Gross NP Commercial REL/ Commercial REL 2.35 2.35 2.95  
  Real Estate Investment (REI)  
  PDREI / REI 0.03 0.00 0.04  
  PD Debt Securities REI / Debt Securities REI 0.05 0.00 0.08  
  PD Equity Securities REI / Equity Securities REI 0.00 0.00 0.00  
                       
   
  Note: Details may not add up to totals due to rounding-off  
  1/Inclusive of Subsidiaries  
   
  Source: Supervisory Data Center, Supervision and Examination Sector  
  Updated as of 19 June 2014