8   REAL ESTATE LOANS
Philippine 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)		282.767	300.572	312.620	349.861	357.795
	Residential	120.185	137.960	143.471	153.884	160.393
	Commercial	162.582	162.612	169.149	195.976	197.402
Current		258.412	276.096	286.870	326.015	330.577
	Residential	109.917	125.949	131.635	142.438	146.848
	Commercial	148.495	150.147	155.235	183.577	183.729
Past Due (PDRELs) (Past Due + ITL)		24.355	24.476	25.751	23.845	27.218
	Residential	10.268	12.011	11.836	11.446	13.545
	Commercial	14.087	12.465	13.914	12.399	13.673
Non-Performing (NPRELs)		22.562	23.270	24.033	22.831	25.270
	Residential	9.156	11.181	11.099	10.723	12.040
	Commercial	13.406	12.089	12.934	12.108	13.231
Ratios (%)
RELs / TLP (w/o IBL)		13.36	13.10	13.23	13.58	14.08
Residential / RELs		42.50	45.90	45.89	43.98	44.83
Commercial / RELs		57.50	54.10	54.11	56.02	55.17
PDRELs / RELs		8.61	8.14	8.24	6.82	7.61
PD Residential / Residential		8.54	8.71	8.25	7.44	8.45
PD Commercial / Commercial		8.66	7.67	8.23	6.33	6.93
NPRELs / RELs		7.98	7.74	7.69	6.53	7.06
NP Residential / Residential		7.62	8.10	7.74	6.97	7.51
NP Commercial / Commercial		10.15	7.43	7.65	6.18	6.70
PDRELs / TLP (w/o IBL)		1.15	1.07	1.09	0.93	1.07
NPRELs / TLP (w/o IBL)		1.07	1.01	1.02	0.89	0.99
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