17   REAL ESTATE LOANS
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
PARTICULARS		March-08 r/	Jun-08	Sep-08	Dec-08	Mar-09
Levels
A. Real Estate Loans (RELs)		194.839	207.323	215.001	250.676	255.832
	Residential	48.287	60.076	62.319	71.581	74.881
	Commercial	146.552	147.247	152.682	179.095	180.951
Current		179.011	191.468	197.955	234.921	237.714
	Residential	44.770	55.499	57.676	66.872	68.674
	Commercial	134.241	135.969	140.280	168.049	169.040
Past Due (PDRELs) (Past Due + ITL)		15.828	15.855	17.046	15.754	18.118
	Residential	3.517	4.577	4.644	4.709	6.207
	Commercial	12.311	11.278	12.402	11.046	11.911
Non-Performing (NPRELs)		14.748	15.172	15.963	15.217	16.755
	Residential	3.094	4.232	4.380	4.398	5.180
	Commercial	11.655	10.940	11.583	10.820	11.574
Ratios (%)
RELs / TLP (w/o IBL)		10.49	10.27	10.35	10.92	11.40
Residential / RELs		24.78	28.98	28.99	28.56	29.27
Commercial / RELs		75.22	71.02	71.01	71.44	70.73
PDRELs / RELs		8.12	7.65	7.93	6.28	7.08
PD Residential / Residential		7.28	7.62	7.45	6.58	8.29
PD Commercial / Commercial		8.40	7.66	8.12	6.17	6.58
NPRELs / RELs		7.57	7.32	7.42	6.07	6.55
NP Residential / Residential		6.41	7.04	7.03	6.14	6.92
NP Commercial / Commercial		10.06	7.43	7.59	6.04	6.40
PDRELs / TLP (w/o IBL)		0.85	0.79	0.82	0.69	0.81
NPRELs / TLP (w/o IBL)		0.79	0.75	0.77	0.66	0.75
Note: Details may not add up to totals due to rounding-off
Source: Supervisory Data Center, Supervision and Examination Sector
Updated as of 16 June 2009