35 REAL ESTATE LOANS
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)		16.583	17.318	18.875	19.574	19.173
	Residential	6.237	6.461	6.880	7.064	7.157
	Commercial	10.347	10.857	11.996	12.510	12.016
Current		14.987	15.714	17.145	17.363	17.101
	Residential	5.663	6.016	6.318	6.430	6.644
	Commercial	9.324	9.699	10.826	10.934	10.457
Past Due (PDRELs) (Past Due + ITL)		1.597	1.604	1.731	2.211	2.071
	Residential	0.574	0.446	0.561	0.634	0.513
	Commercial	1.023	1.158	1.169	1.576	1.558
Non-Performing (NPRELs)		1.349	1.404	1.669	2.085	2.010
	Residential	0.508	0.408	0.506	0.558	0.472
	Commercial	0.841	0.996	1.163	1.527	1.539
Ratios (%)
RELs / TLP (w/o IBL)		5.61	5.43	5.49	5.68	5.92
Residential / RELs		37.61	37.31	36.45	36.09	37.33
Commercial / RELs		62.39	168.03	174.36	63.91	62.67
PDRELs / RELs		9.63	9.26	9.17	11.29	10.80
PD Residential / Residential		9.20	6.90	8.16	8.98	7.16
PD Commercial / Commercial		9.89	10.67	9.75	12.60	12.97
NPRELs / RELs		8.14	8.11	8.84	10.65	10.48
NP Residential / Residential		8.14	6.31	7.36	7.90	6.59
NP Commercial / Commercial		8.13	9.18	9.70	12.21	12.80
PDRELs / TLP (w/o IBL)		0.54	0.50	0.50	0.64	0.64
NPRELs / TLP (w/o IBL)		0.46	0.44	0.49	0.61	0.62
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