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| 8 |
REAL
ESTATE EXPOSURE |
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| Philippine Banking System |
| as of end of period indicated |
| in billion pesos |
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Bank Proper and
Trust Department |
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Bank Proper |
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Trust Department |
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Mar-24 |
Jun-24 |
Sep-24 |
Dec-24 |
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Mar-24 |
Jun-24 |
Sep-24 |
Dec-24 |
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Mar-24 |
Jun-24 |
Sep-24 |
Dec-24 |
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Levels/1 |
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Real Estate Loans (REL) |
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2,719.891 |
2,785.854 |
2,843.332 |
2,954.107 |
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2,716.198 |
2,782.182 |
2,839.691 |
2,950.373 |
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3.692 |
3.673 |
3.641 |
3.733 |
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Residential REL |
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1,021.931 |
1,043.046 |
1,066.408 |
1,104.840 |
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1,021.219 |
1,042.354 |
1,065.727 |
1,104.175 |
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0.711 |
0.692 |
0.680 |
0.664 |
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Commercial REL |
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1,697.960 |
1,742.809 |
1,776.925 |
1,849.267 |
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1,694.979 |
1,739.828 |
1,773.964 |
1,846.198 |
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2.981 |
2.981 |
2.961 |
3.069 |
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Current REL |
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2,583.097 |
2,644.600 |
2,695.175 |
2,813.462 |
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2,579.459 |
2,640.981 |
2,691.588 |
2,809.780 |
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3.639 |
3.619 |
3.587 |
3.681 |
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Residential REL |
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928.133 |
945.158 |
961.440 |
1,005.113 |
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927.475 |
944.520 |
960.813 |
1,004.500 |
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0.658 |
0.638 |
0.627 |
0.613 |
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Commercial REL |
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1,654.965 |
1,699.442 |
1,733.735 |
1,808.349 |
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1,651.984 |
1,696.461 |
1,730.775 |
1,805.280 |
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2.981 |
2.981 |
2.960 |
3.069 |
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Past Due (PD) REL |
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136.793 |
141.254 |
148.157 |
140.645 |
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136.739 |
141.200 |
148.103 |
140.593 |
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0.054 |
0.054 |
0.054 |
0.052 |
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Residential REL |
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93.798 |
97.888 |
104.967 |
99.727 |
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93.744 |
97.834 |
104.914 |
99.675 |
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0.054 |
0.054 |
0.054 |
0.052 |
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Commercial REL |
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42.995 |
43.366 |
43.189 |
40.918 |
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42.995 |
43.366 |
43.189 |
40.918 |
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0.000 |
0.000 |
0.000 |
0.000 |
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Gross Non-Performing (NP) REL |
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110.787 |
110.862 |
111.554 |
108.807 |
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110.747 |
110.822 |
111.514 |
108.767 |
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0.040 |
0.040 |
0.040 |
0.040 |
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Residential REL |
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71.263 |
70.494 |
72.735 |
70.104 |
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71.223 |
70.455 |
72.696 |
70.065 |
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0.039 |
0.039 |
0.039 |
0.039 |
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Commercial REL |
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39.524 |
40.368 |
38.819 |
38.703 |
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39.524 |
40.367 |
38.818 |
38.702 |
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0.000 |
0.000 |
0.000 |
0.000 |
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Real Estate Investment (REI) |
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379.449 |
371.108 |
376.406 |
353.809 |
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108.175 |
100.117 |
104.755 |
88.221 |
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271.274 |
270.991 |
271.651 |
265.588 |
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Debt Securities |
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251.193 |
245.313 |
246.041 |
236.881 |
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94.406 |
86.331 |
90.998 |
84.841 |
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156.787 |
158.982 |
155.043 |
152.040 |
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Equity Securities |
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128.256 |
125.795 |
130.365 |
116.928 |
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13.769 |
13.786 |
13.757 |
3.381 |
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114.487 |
112.009 |
116.608 |
113.547 |
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Past Due (PD) REI |
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0.036 |
0.270 |
0.260 |
0.267 |
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0.000 |
0.234 |
0.224 |
0.231 |
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0.036 |
0.036 |
0.036 |
0.036 |
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Debt Securities |
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0.036 |
0.270 |
0.260 |
0.267 |
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0.000 |
0.234 |
0.224 |
0.231 |
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0.036 |
0.036 |
0.036 |
0.036 |
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Equity Securities |
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Ratios (%) |
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Real Estate Loans (REL) |
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REL/Total Loan Portfolio (exclusive of IBL) |
20.31 |
19.92 |
19.55 |
19.75 |
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20.36 |
19.96 |
19.60 |
19.80 |
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7.02 |
7.08 |
6.97 |
7.21 |
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Residential REL / REL |
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37.57 |
37.44 |
37.51 |
37.40 |
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37.60 |
37.47 |
37.53 |
37.42 |
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19.27 |
18.84 |
18.69 |
17.79 |
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Commercial REL/ REL |
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62.43 |
62.56 |
62.49 |
62.60 |
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62.40 |
62.53 |
62.47 |
62.58 |
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80.73 |
81.16 |
81.31 |
82.21 |
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PDREL / REL |
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5.03 |
5.07 |
5.21 |
4.76 |
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5.03 |
5.08 |
5.22 |
4.77 |
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1.46 |
1.47 |
1.48 |
1.39 |
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PD Residential REL / Residential REL |
9.18 |
9.38 |
9.84 |
9.03 |
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9.18 |
9.39 |
9.84 |
9.03 |
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7.56 |
7.76 |
7.87 |
7.77 |
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PD Commercial REL / Commercial REL |
2.53 |
2.49 |
2.43 |
2.21 |
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2.54 |
2.49 |
2.43 |
2.22 |
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0.01 |
0.01 |
0.01 |
0.01 |
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Gross NPREL / REL |
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4.07 |
3.98 |
3.92 |
3.68 |
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4.08 |
3.98 |
3.93 |
3.69 |
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1.07 |
1.08 |
1.09 |
1.06 |
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Gross NP Residential REL / Residential REL |
6.97 |
6.76 |
6.82 |
6.35 |
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6.97 |
6.76 |
6.82 |
6.35 |
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5.53 |
5.68 |
5.78 |
5.92 |
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Gross NP Commercial REL/ Commercial REL |
2.33 |
2.32 |
2.18 |
2.09 |
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2.33 |
2.32 |
2.19 |
2.10 |
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0.01 |
0.01 |
0.01 |
0.01 |
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Real Estate Investment (REI) |
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PDREI / REI |
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0.01 |
0.07 |
0.07 |
0.08 |
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0.00 |
0.23 |
0.21 |
0.26 |
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0.01 |
0.01 |
0.01 |
0.01 |
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PD Debt Securities REI / Debt Securities REI |
0.01 |
0.11 |
0.11 |
0.11 |
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0.00 |
0.27 |
0.25 |
0.27 |
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0.02 |
0.02 |
0.02 |
0.02 |
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PD Equity Securities REI / Equity Securities REI |
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Note: Details may not add up to totals due to
rounding-off |
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1/Inclusive of Subsidiaries |
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r/revised |
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Source: Department of Supervisory Analytics,
Financial Supervision Sector, Bangko Sentral ng Pilipinas |
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Updated as of 04 March 2025 |
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