THRIFT BANKS' REAL ESTATE EXPOSURES TO THE REAL ESTATE INDUSTRY
As of End-Periods Indicated
                     
                     
    September 30, 2006 June 30, 2007 September 30, 2007
PARTICULARS BANK PROPER TRUST DEPARTMENT COMBINED BANK PROPER TRUST DEPARTMENT COMBINED BANK PROPER TRUST DEPARTMENT COMBINED
LEVELS (Amounts in Billion Pesos)                  
   
Real Estate Loans (RELs)              70.462               0.075        70.536              80.401               0.039        80.440              81.093               0.039        81.132
  Residential              53.093               0.001        53.094              63.123               0.001        63.124              63.274               0.001        63.274
  Commercial              17.368               0.074        17.442              17.277               0.038        17.316              17.820               0.038        17.858
Past Due (PDRELs)                7.496               0.070          7.566                7.718               0.036          7.754                7.863               0.036          7.899
  Residential                2.147          2.147                2.396          2.396                2.508          2.508
  Commercial                5.349               0.070          5.419                5.321               0.036          5.357                5.355               0.036          5.391
Current              62.965               0.005        62.970              72.683               0.003        72.686              73.230               0.003        73.233
  Residential              50.946               0.001        50.947              60.727               0.001        60.727              60.766               0.001        60.767
  Commercial              12.019               0.004        12.023              11.956               0.002        11.959              12.464               0.002        12.467
   
Real Estate Investments                0.029               0.028          0.057               0.490          0.490               0.523          0.523
  Commercial Papers (CPs)  
  Equity Investments (EIs)                0.029               0.028          0.057               0.490          0.490               0.523          0.523
Total RELs + CPs              70.462               0.075        70.536              80.401               0.039        80.440              81.093               0.039        81.132
Total RELs + CPs + EIs              70.491               0.102        70.593              80.401               0.529        80.929              81.093               0.562        81.655
TOL (w/o IBL)            216.934               0.393      217.328            240.877               0.298      241.174            237.736               0.436      238.172
Total Investments - Debt Securities (TIDS)              73.436             22.289        95.725              72.141             29.055      101.196              70.064             27.192        97.256
Total Investments - Equity Investments (TIES)                0.542               2.229          2.771                0.836               4.176          5.011                0.907               4.363          5.269
   
RATIOS (%)  
   
RELs / TOL (w/o IBL)                32.48               18.94          32.46                33.38               13.10          33.35                34.11                 8.94          34.06
Residential / RELs                75.35                 1.03          75.27                78.51                 1.97          78.47                78.03                 1.97          77.99
Commercial / RELs                24.65               98.97          24.73                21.49               98.03          21.53                21.97               98.03          22.01
PDRELs / RELs                10.63               93.95          10.71                  9.60               92.08            9.64                  9.70               92.08            9.74
PD Residential / Residential                  4.04            4.04                  3.80            3.80                  3.96            3.96
PD Commercial / Commercial                30.80               94.93          31.07                30.79               93.94          30.93                30.05               93.94          30.19
PDRELs / TOL (w/o IBL)                  3.45               17.80            3.48                  3.21               12.06            3.22                  3.31                 8.24            3.32
REL+CP/TOLw/oIBL+TIDS                24.27                 0.33          22.53                25.69                 0.13          23.49                26.35                 0.14          24.19
REL+CP+EI/TOLw/oIBL+TIDS+TIES                24.23                 0.41          22.35                25.62                 1.58          23.30                26.27                 1.76          23.97