TABLE 3B.   AVERAGE INCOME, AVERAGE EXPENDITURE AND AVERAGE SAVING OF FAMILIES
            AT 1997 PRICES, BY REGION: 1997 AND 2000

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                                   1997            |              2000
        REGION        AVERAGE    AVERAGE   AVERAGE | AVERAGE    AVERAGE   AVERAGE
                      INCOME   EXPENDITURE  SAVING |  INCOME  EXPENDITURE  SAVING
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PHILIPPINES           123,168     99,537     23,631   118,413     97,739   20,674

  NCR                 270,993    217,840     53,153   247,845    204,077   43,768
   CAR                112,361     86,924     25,437   116,942     93,273   23,669
  ILOCOS              102,597     83,307     19,290    98,850     78,665   20,185
  CAGAYAN VALLEY       86,822     68,556     18,266    87,367     72,005   15,362
  CENTRAL LUZON       133,130    105,558     27,572   125,322     99,095   26,228
  SOUTHERN TAGALOG    132,363    104,002     28,361   132,537    110,800   21,737
  BICOL                77,132     67,012     10,120    71,846     62,938    8,908
  WESTERN VISAYAS      86,770     78,612      8,158    92,643     79,047   13,596
  CENTRAL VISAYAS      85,215     69,569     15,646    77,917     66,487   11,430
  EASTERN VISAYAS      67,772     53,039     14,733    75,313     60,000   15,313
  WESTERN MINDANAO     87,294     67,456     19,838    71,058     58,627   12,431
  NORTHERN MINDANAO    99,486     76,715     22,771    90,545     70,555   19,989
  SOUTHERN MINDANAO    94,408     76,136     18,272    94,938     77,233   17,705
  CENTRAL MINDANAO     81,093     68,519     12,574    76,994     64,113   12,881
  A.R.M.M.             74,885     57,546     17,339    59,033     51,288    7,744
  CARAGA               71,726     61,815      9,911    67,420     59,896    7,524

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Source:  Preliminary Results of 2000 Family Income and Expenditures Survey
         Income and Employment Statistics Division
         Household Statistics Department
         National Statistics Office
         Republic of the Philippines