RESIDENTIAL REAL ESTATE LOANS (RRELs)
OF UNIVERSAL AND COMMERCIAL BANKS & THRIFT BANKS 
As of End Periods Indicated
(Amounts In Billion Pesos)
Particulars June '10 Mar '11 Jun '11 Increase/(Decrease)
Mar '11 - Jun '11 Jun '10 - Jun '11
Amount % Amount %
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS              
RESIDENTIAL REAL ESTATE LOANS (RRELs) 173.719 192.065 198.377              6.311                     3.29               24.658 14.19
      PERFORMING   162.246 182.372 188.337              5.965                     3.27               26.091 16.08
      NON-PERFORMING   11.473 9.694 10.040              0.346                     3.57               (1.433) -12.49
       LOAN LOSS RESERVES 3.298 3.187 3.395              0.209                     6.54                 0.097 2.95
TOTAL LOAN PORTFOLIO (Net of IBL) 2,701.351 2,939.260 3,221.263          282.004                     9.59             519.913 19.25
NON-PERFORMING LOANS  136.597 131.197 129.369             (1.828)                   (1.39)               (7.228) (5.29)
Total RRELs to TLP(%)                         6.43                         6.53                         6.16                     (0.38)                (0.27)
Non-Performing RRELs to total NPLs (%)                         8.40                         7.39                         7.76                     0.37              (0.64)
Non-Performing RRELs to TLP (%)                         0.42                         0.33                         0.31                   (0.02)              (0.11)
Non-Performing RRELs to total RRELs (%)                         6.60                         5.05                         5.06                     0.01              (1.54)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       28.74                       32.87                       33.82                       0.94                 5.07
               
UNIVERSAL AND COMMERCIAL
BANKS		  
RESIDENTIAL REAL ESTATE LOANS (RRELs)                     84.522                     96.881                   103.650              6.769                     6.99               19.128 22.63
      PERFORMING                       80.480                     91.637                     97.968              6.331                     6.91               17.488 21.73
      NON-PERFORMING                         4.042                       5.244                       5.681              0.438                     8.35                 1.639 40.56
       LOAN LOSS RESERVES                       1.012                       0.802                       1.093              0.292                   36.41                 0.081 7.99
TOTAL LOAN PORTFOLIO (Net of IBL)                2,383.801                2,590.549                2,858.448          267.899                   10.34             474.646 19.91
NON-PERFORMING LOANS                    109.192                   105.285                   103.341             (1.945)                   (1.85)               (5.852) (5.36)
Total RRELs to TLP(%)                         3.55                         3.74                         3.63                     (0.11)                 0.08
Non-Performing RRELs to total NPLs (%)                         3.70                         4.98                         5.50                     0.52               1.80
Non-Performing RRELs to TLP (%)                         0.17                         0.20                         0.20                   (0.00)               0.03
Non-Performing RRELs to total RRELs (%)                         4.78                         5.41                         5.48                     0.07               0.70
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       25.05                       15.29                       19.24                       3.96                (5.80)
   
THRIFT BANKS  1/  
RESIDENTIAL REAL ESTATE LOANS (RRELs)                     89.197                     95.184                     94.727             (0.457)                   (0.48)                 5.530 6.20
      PERFORMING                       81.766                     90.734                     90.369             (0.366)                   (0.40)                 8.603 10.52
      NON-PERFORMING                         7.431                       4.450                       4.358             (0.092)                   (2.06)               (3.073) -41.35
       LOAN LOSS RESERVES                       2.285                       2.385                       2.302             (0.083)                   (3.49)                 0.016 0.72
TOTAL LOAN PORTFOLIO (Net of IBL)                   317.549                   348.711                   362.816            14.105                     4.04               45.267 14.25
NON-PERFORMING LOANS                      27.405                     25.911                     26.028              0.117                     0.45               (1.376) -5.02
Total RRELs to TLP(%)                       28.09                       27.30                       26.11                     (1.19)                (1.98)
Non-Performing RRELs to total NPLs (%)                       27.12                       17.17                       16.74                   (0.43)            (10.37)
Non-Performing RRELs to TLP (%)                         2.34                         1.28                         1.20                   (0.07)              (1.14)
Non-Performing RRELs to total RRELs (%)                         8.33                         4.68                         4.60                   (0.07)              (3.73)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       30.75                       53.60                       52.81                     (0.78)               22.06
1/ Inclusive of TB subsidiaries of UKBs