RESIDENTIAL REAL ESTATE LOANS (RRELs)
OF UNIVERSAL AND COMMERCIAL BANKS & THRIFT BANKS 
As of End Periods Indicated
(Amounts In Billion Pesos)
Particulars Mar '11 Dec '11 Mar '12 Increase/(Decrease)
Dec '11 - Mar '12 Mar '11 - Mar '12
Amount % Amount %
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS              
RESIDENTIAL REAL ESTATE LOANS (RRELs) 192.065 220.836 232.570            11.734                     5.31               40.505             21.09
      PERFORMING   182.372 211.281 222.789            11.508                     5.45               40.417             22.16
      NON-PERFORMING   9.694 9.555 9.781              0.226                     2.36                 0.088               0.91
       LOAN LOSS RESERVES 3.187 3.984 3.781             (0.203)                   (5.10)                 0.594             18.65
TOTAL LOAN PORTFOLIO (Net of IBL) 2,939.260 3,483.551 3,451.167           (32.384)                   (0.93)             511.908             17.42
NON-PERFORMING LOANS  131.197 128.283 132.441              4.158                     3.24                 1.245               0.95
Total RRELs to TLP(%)                         6.53                         6.34                         6.74                       0.40                 0.20
Non-Performing RRELs to total NPLs (%)                         7.39                         7.45                         7.39                   (0.06)              (0.00)
Non-Performing RRELs to TLP (%)                         0.33                         0.27                         0.28                     0.01              (0.05)
Non-Performing RRELs to total RRELs (%)                         5.05                         4.33                         4.21                   (0.12)              (0.84)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       32.87                       41.69                       38.65                     (3.04)                 5.78
               
UNIVERSAL AND COMMERCIAL
BANKS
 
RESIDENTIAL REAL ESTATE LOANS (RRELs)                     96.881                   123.854                   132.010              8.156                     6.58               35.129             36.26
      PERFORMING                       91.637                   118.050                   125.923              7.873                     6.67               34.286             37.41
      NON-PERFORMING                         5.244                       5.804                       6.087              0.283                     4.88                 0.843             16.08
       LOAN LOSS RESERVES                       0.802                       1.551                       1.495             (0.056)                   (3.58)                 0.694             86.54
TOTAL LOAN PORTFOLIO (Net of IBL)                2,590.549                3,098.024                3,058.522           (39.502)                   (1.28)             467.972             18.06
NON-PERFORMING LOANS                    105.285                   102.541                   106.354              3.812                     3.72                 1.068               1.01
Total RRELs to TLP(%)                         3.74                         4.00                         4.32                       0.32                 0.58
Non-Performing RRELs to total NPLs (%)                         4.98                         5.66                         5.72                     0.06               0.74
Non-Performing RRELs to TLP (%)                         0.20                         0.19                         0.20                     0.01              (0.00)
Non-Performing RRELs to total RRELs (%)                         5.41                         4.69                         4.61                   (0.08)              (0.80)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       15.29                       26.72                       24.56                     (2.15)                 9.28
   
THRIFT BANKS  1/  
RESIDENTIAL REAL ESTATE LOANS (RRELs)                     95.184                     96.982                   100.561              3.579                     3.69                 5.376               5.65
      PERFORMING                       90.734                     93.230                     96.866              3.636                     3.90                 6.132               6.76
      NON-PERFORMING                         4.450                       3.752                       3.695             (0.057)                   (1.52)               (0.755)            (16.98)
       LOAN LOSS RESERVES                       2.385                       2.433                       2.286             (0.148)                   (6.07)               (0.099)              (4.17)
TOTAL LOAN PORTFOLIO (Net of IBL)                   348.711                   385.527                   392.646              7.118                     1.85               43.935             12.60
NON-PERFORMING LOANS                      25.911                     25.742                     26.088              0.346                     1.34                 0.177               0.68
Total RRELs to TLP(%)                       27.30                       25.16                       25.61                       0.46                (1.69)
Non-Performing RRELs to total NPLs (%)                       17.17                       14.57                       14.16                   (0.41)              (3.01)
Non-Performing RRELs to TLP (%)                         1.28                         0.97                         0.94                   (0.03)              (0.34)
Non-Performing RRELs to total RRELs (%)                         4.68                         3.87                         3.67                   (0.19)              (1.00)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                       53.60                       64.86                       61.87                     (2.99)                 8.27
1/ Inclusive of TB subsidiaries of UKBs