17   REAL ESTATE LOANS
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
PARTICULARS		Mar-11	Jun-11	Sep-11
Levels
A. Real Estate Loans (RELs)		318.837	347.491	355.523
	Residential	96.881	103.650	110.540
	Commercial	221.956	243.841	244.983
Current		298.109	326.972	333.570
	Residential	90.928	97.352	104.026
	Commercial	207.182	229.620	229.544
Past Due (PDRELs) (Past Due + ITL)		20.728	20.518	21.953
	Residential	5.953	6.298	6.514
	Commercial	14.774	14.220	15.440
Non-Performing (NPRELs)		19.788	19.478	20.012
	Residential	5.244	5.681	5.749
	Commercial	14.544	13.796	14.263
Ratios (%)
RELs / TLP (w/o IBL)		12.31	12.85	12.40
Residential / RELs		30.39	29.83	31.09
Commercial / RELs		69.61	70.17	68.91
PDRELs / RELs		6.50	5.90	6.17
PD Residential / Residential		6.15	6.08	5.89
PD Commercial / Commercial		6.66	5.83	6.30
NPRELs / RELs		6.21	5.61	5.63
NP Residential / Residential		5.41	5.48	5.20
NP Commercial / Commercial		6.55	5.66	5.82
PDRELs / TLP (w/o IBL)		0.80	0.76	0.77
NPRELs / TLP (w/o IBL)		0.76	0.72	0.70
Note: Details may not add up to totals due to rounding-off
Source: Supervisory Data Center, Supervision and Examination Sector
Updated as of 18 November 2011