26   REAL ESTATE LOANS
Universal Banking System
as of end of periods indicated
in billion pesos
PARTICULARS		Mar-08	Jun-08	Sep-08	Dec-08	Mar-09
Levels
A. Real Estate Loans (RELs)		178.256	190.005	196.126	231.102	236.659
	Residential	42.051	53.615	55.440	64.517	67.724
	Commercial	136.206	136.390	140.686	166.585	168.935
Current		164.025	175.754	180.811	217.558	220.612
	Residential	39.107	49.483	51.357	60.442	62.029
	Commercial	124.918	126.270	129.453	157.116	158.583
Past Due (PDRELs) (Past Due + ITL)		14.231	14.251	15.315	13.544	16.047
	Residential	2.943	4.131	4.082	4.074	5.695
	Commercial	11.288	10.120	11.233	9.469	10.352
Non-Performing (NPRELs)		13.399	13.768	14.294	13.133	14.744
	Residential	2.586	3.824	3.874	3.840	4.709
	Commercial	10.813	9.944	10.419	9.293	10.035
Ratios (%)
RELs / TLP (w/o IBL)		11.42	11.17	11.32	11.85	12.43
Residential / RELs		23.59	28.22	28.27	27.92	28.62
Commercial / RELs		76.41	254.39	253.76	72.08	71.38
PDRELs / RELs		7.98	7.50	7.81	5.86	6.78
PD Residential / Residential		7.00	7.71	7.36	6.32	8.41
PD Commercial / Commercial		8.29	7.42	7.98	5.68	6.13
NPRELs / RELs		7.52	7.25	7.29	5.68	6.23
NP Residential / Residential		6.15	7.13	6.99	5.95	6.95
NP Commercial / Commercial		7.94	7.29	7.41	5.58	5.94
PDRELs / TLP (w/o IBL)		0.91	0.84	0.88	0.69	0.84
NPRELs / TLP (w/o IBL)		0.86	0.81	0.82	0.67	0.77
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