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Commercial Banks' Exposure to the Real Estate Sector

03.25.2002

As of end-December, 2001, the system’s exposure to the real estate sector (both bank proper and trust department) inclusive of equity stakes in real estates amounted to P195.0 billion, lower by P 0.9 billion or 0.4 percent from last quarter and P 8.2 billion or 4.1 percent from year-ago level.

This quarter’s real estate loans (RELs) accounted for 11.0 percent of total outstanding loans (TOL) inclusive of interbank loans (IBL) compared to 11.6 percent and 11.5 percent in the previous quarter and last year, respectively.

Past due portion of REL went down to 25.3 percent or 2.8 percent of TOL compared to the previous quarter’s 26.4 percent or 3.0 percent of TOL but higher from last year’s 22.3 percent or 2.6 percent of TOL. 

As to purpose of loans, highest REL exposure of the bank proper went to development of commercial property at 19.2 percent while biggest portion of the trust department’s exposure was for other purposes at 31.0 percent.

Regional distribution of REL loans for both bank proper and trust department showed highest concentration in NCR-Metro Manila at 85.0 percent and 96.5 percent, respectively.

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