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)                                  97.506                                104.359                                106.844
  Residential                                  81.343                                  89.299                                  91.226
  Commercial                                  16.164                                  15.060                                  15.618
Current                                  88.819                                  95.346                                  96.308
  Residential                                  74.146                                  81.902                                  82.482
  Commercial                                  14.673                                  13.444                                  13.827
Non-Performing (NPRELs)                                    8.053                                    8.447                                    9.928
  Residential                                    6.723                                    6.934                                    8.310
  Commercial                                    1.330                                    1.512                                    1.618
B. Real Estate Investments (REIs)                                         -                                           -                                           -  
  Debt Securities (DS)                                         -                                           -                                           -  
  Equity Securities (ES)                                         -                                           -                                           -  
Total Real Estate Exposure (A + B )                                  97.506                                104.359                                106.844
TLP (w/o IBL)                                285.956                                307.860                                295.236
Total Investments - Debt Securities (TIDS)                                  71.432                                  91.376                                  96.919
Total Investments - Equity Investments (TIES)                                    1.356                                    3.918                                    4.095
         
Ratios (%)      
RELs / TLP (w/o IBL)                                    34.10                                    33.90                                    36.19
Residential / RELs                                    83.42                                    85.57                                    85.38
Commercial / RELs                                    16.58                                    14.43                                    14.62
NPRELs / RELs                                      8.26                                      8.09                                      9.29
NP Residential / Residential                                      8.26                                      7.77                                      9.11
NP Commercial / Commercial                                      8.23                                    10.04                                    10.36
NPRELs / TLP (w/o IBL)                                      2.82                                      2.74                                      3.36
RELs +  REIs / TLP (w/o IBL) + TIDS + TIES                                    27.18                                    25.89                                    26.96
r/ revised