26 REAL ESTATE EXPOSURE
 
 
Universal 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) 822.817 817.158 5.659  
  Residential REL 311.803 310.107 1.696  
  Commercial REL 511.014 507.051 3.963  
  Current 800.698 795.210 5.488  
  Residential REL 301.530 299.888 1.642  
  Commercial REL 499.168 495.322 3.846  
  Past Due (PD) REL 22.213 22.042 0.171  
  Residential REL 10.273 10.219 0.054  
  Commercial REL 11.940 11.823 0.117  
  Gross Non-Performing (NP) REL 20.399 20.228 0.171  
  Residential REL 9.357 9.303 0.054  
  Commercial REL 11.041 10.924 0.117  
  Real Estate Investment (REI) 165.680 52.485 113.195  
  Debt Securities 104.566 46.081 58.485  
  Equity Securities 61.114 6.404 54.710  
  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) 18.91 18.95 14.44  
  Residential REL / REL 37.89 37.95 29.97  
  Commercial REL/ REL 62.11 62.05 70.03  
  PDREL / REL 2.70 2.70 3.02  
  PD Residential REL / Residential REL 3.29 3.30 3.18  
  PD Commercial REL / Commercial REL 2.34 2.33 2.95  
  Gross NPREL / REL 2.48 2.48 3.02  
  Gross NP Residential REL / Residential REL 3.00 3.00 3.17  
  Gross NP Commercial REL/ Commercial REL 2.16 2.15 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 0.09  
  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