THRIFT BANKS' EXPOSURES TO THE REAL ESTATE INDUSTRY
As of End-Periods Indicated
                         
                         
PARTICULARS DECEMBER 31, 2006 SEPTEMBER 30, 2007 (Revised) DECEMBER 31, 2007
BANK PROPER TRUST DEPT BANK AND TRUST   BANK PROPER TRUST DEPT BANK AND TRUST   BANK PROPER TRUST DEPT BANK AND TRUST
LEVELS (In Billion Pesos)                      
Real Estate Loans (RELs)       75.442         0.002       75.445       81.380         0.039       81.419       83.870         0.038       83.908
  Residential       58.605       58.605       63.335         0.001       63.336       66.826         0.001       66.827
  Commercial       16.837         0.002       16.840       18.045         0.038       18.083       17.044         0.037       17.081
Past Due (PDRELs)         7.684         7.684         7.869         0.036         7.905         7.818         0.036         7.853
  Residential         2.426         2.426         2.508         2.508         2.699         2.699
  Commercial         5.259         5.259         5.362         0.036         5.398         5.119         0.036         5.155
Current       67.758         0.002       67.761       73.511         0.003       73.514       76.052         0.002       76.054
  Residential       56.179       56.179       60.827         0.001       60.828       64.128         0.001       64.129
  Commercial       11.579         0.002       11.581       12.683         0.002       12.686       11.925         0.001       11.926
Real Estate Investments         0.039         0.531         0.570         0.523         0.523         0.501         0.501
  Commercial Papers (CPs)  
  Equity Investments (EIs)         0.039         0.531         0.570         0.523         0.523         0.501         0.501
Total RELs + CPs       75.442         0.002       75.445       81.380         0.039       81.419       83.870         0.038       83.908
Total RELs + CPs + EIs       75.482         0.533       76.015       81.380         0.562       81.942       83.870         0.538       84.408
TLP (w/o IBL)     221.477         0.241     221.718     237.736         0.436     238.172     249.727         0.428     250.154
Total Investments − Debt Securities (TIDS)       73.366       23.326       96.692       70.064       27.192       97.256       75.975       28.310     104.285
Total Investments − Equity Investments (TIES)         0.685         3.591         4.276         0.907         4.363         5.269         0.926         4.511         5.437
   
RATIOS (In Percent)  
RELs / TLP (w/o IBL)         34.06           0.97         34.03         34.23           8.94         34.18         33.58           8.84         33.54
Residential / RELs         77.68         77.68         77.83           1.97         77.79         79.68           1.96         79.64
Commercial / RELs         22.32       100.00         22.32         22.17         98.03         22.21         20.32         98.04         20.36
PDRELs / RELs         10.19         10.19           9.67         92.10           9.71           9.32         94.98           9.36
PD Residential / Residential           4.14           4.14           3.96           3.96           4.04           4.04
PD Commercial / Commercial         31.23         31.23         29.71         93.96         29.85         30.03         96.87         30.18
PDRELs / TLP (w/o IBL)           3.47           3.47           3.31           8.24           3.32           3.13           8.40           3.14
REL+CP/TLP (w/o IBL)+TIDS         25.59           0.01         23.69         26.44           0.14         24.27         25.75           0.13         23.67
REL+CP+EI/TLP (w/o IBL)+TIDS+TIES         25.54           1.96         23.56           26.36           1.76         24.05           25.68           1.62         23.45