UNIVERSAL, COMMERCIAL & THRIFT BANKS      
EXPOSURES TO THE REAL ESTATE INDUSTRY      
As of End-Periods Indicated      
Amounts in Billion Pesos      
PARTICULARS 30 September 2008 r/ 30 June 2009 r/ 30 September 2009
Levels      
A. Real Estate Loans (RELs)                                312.507                   368.907                           366.888
  Residential                                143.662                   164.832                           162.496
  Commercial                                168.846                   204.075                           204.391
Current                                286.774                   343.142                           340.972
  Residential                                131.821                   152.311                           149.524
  Commercial                                154.953                   190.831                           191.448
Non-Performing (NPRELs)                                  24.015                     24.282                             24.411
  Residential                                  11.103                     11.450                             11.849
  Commercial                                  12.912                     12.832                             12.562
B. Real Estate Investments (REIs)                                    8.238                       8.901                               9.879
  Debt Securities (DS)                                    5.008                       5.886                               6.824
  Equity Securities (ES)                                    3.231                       3.015                               3.055
Total Real Estate Exposure (A + B )                                320.745                   377.808                           376.766
TLP (w/o IBL)                             2,362.618                2,562.314                        2,496.278
Total Investments - Debt Securities (TIDS)                             1,175.144                1,375.313                        1,478.440
Total Investments - Equity Investments (TIES)                                122.672                   150.911                           152.959
         
Ratios (%)      
RELs / TLP (w/o IBL)                                    13.23                       14.40                               14.70
Residential / RELs                                    45.97                       44.68                               44.29
Commercial / RELs                                    54.03                       55.32                               55.71
NPRELs / RELs                                      7.68                         6.58                                 6.65
NP Residential / Residential                                      7.73                         6.95                                 7.29
NP Commercial / Commercial                                      7.65                         6.29                                 6.15
NPRELs / TLP (w/o IBL)                                      1.02                         0.95                                 0.98
RELs +  REIs / TLP (w/o IBL) + TIDS + TIES                                      8.76                         9.24                                 9.13
r/ revised