UNIVERSAL & COMMERCIAL 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)                                215.001                                264.548                                260.044
  Residential                                  62.319                                  75.533                                  71.271
  Commercial                                152.682                                189.015                                188.773
Current                                197.955                                247.796                                244.664
  Residential                                  57.676                                  70.409                                  67.042
  Commercial                                140.280                                177.387                                177.622
Non-Performing (NPRELs)                                    15.96                                  15.835                                  14.483
  Residential                                      4.38                                    4.516                                    3.538
  Commercial                                    11.58                                  11.319                                  10.944
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 )                                223.239                                273.449                                269.923
TLP (w/o IBL)                             2,076.662                             2,254.455                             2,201.042
Total Investments - Debt Securities (TIDS)                             1,103.712                             1,283.937                             1,381.521
Total Investments - Equity Investments (TIES)                                121.316                                146.993                                148.865
         
Ratios (%)      
RELs / TLP (w/o IBL)                                    10.35                                    11.73                                    11.81
Residential / RELs                                    28.99                                    28.55                                    27.41
Commercial / RELs                                    71.01                                    71.45                                    72.59
NPRELs / RELs                                      7.42                                      5.99                                      5.57
NP Residential / Residential                                      7.03                                      5.98                                      4.96
NP Commercial / Commercial                                      7.59                                      5.99                                      5.80
NPRELs / TLP (w/o IBL)                                      0.77                                      0.70                                      0.66
RELs +  REIs / TLP (w/o IBL) + TIDS + TIES                                      6.76                                      7.42                                      7.23
r/ revised