BusinessWeek Mindanao (May 16-17, 2022)

BusinessWeek M I N DA N A O CREDIBLE

Volume XII, No. 143 AS OF 6:00 PM MAY 13, 2022 (FRIDAY)

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Special elections THE Commission on Election (Comelec) en banc is now readying the poll paraphernalia needed for the conduct of special elections in 14 villages of Lanao del Sur province where "failure of elections" was declared.

In a press conference on Thursday, Comelec spokesperson John Rex Laudiangco said the poll body will only provide 1,374 new printed ballots.

Based on the reports, the personnel from the Armed Forces of the Philippines failed to retrieve a total of 798 stolen ballots intended for the four clustered precincts in Barangay Ragayan, Butig.

Red tide BUTUAN City – The presence of toxic red tide beyond the regulatory limit continues to persist in two areas in the Caraga Region.

The findings are based on the Shellfish Bulletin No. 09 Series of 2022 issued by the Bureau of Fisheries and Aquatic Resources (BFAR) on Friday.

The affected areas in the region include the Lilalit Bay in San Benito, Siargao Island in Surigao del Norte and Lianga Bay in Surigao del Sur.

IN-DEPTH

M

INOR technical glitches during M o n d a y ' s elections did not affect the overall integrity of the result in the Northern Mindanao, the Commission on Elections (Comelec) director here said Thursday.

Commission on Elections – Northern Mindanao (Comelec-10) Director Francisco Pobe said issues about paper jams on vote-counting machines (VCMs) were manageable and school teachers who acted as election board members were well-trained on the process as well as on contingency plans.

"Whoever won is considered the true winner and those who lost really failed to come up with the winning number,” Pobe said.

Lt. Col. Michelle Olaivar, spokesperson of the Police Regional Office-10 said they received a complaint about power interruption and malfunctioning VCMs in Munai, Lanao del Norte.

"The technical people, deployed by the Comelec were there, and they RESULTS/PAGE 11

HOMELESS. Mendicant children sleeping along the sidewalk in Malaybalay City.

Voters who ‘sold’ votes in Surigao Sur go on mobile phone buying spree

By CHRIS V. PANGANIBAN, MindaNews

Expanded NFA budget AGRICULTURE Secretary William D. Dar said he recommends a P30-billion budget for the National Food Authority (NFA), up from the current P7 billion, to boost procurement of palay, or unmilled rice, in order to enable the sale of more rice to consumers at belowmarket prices.

“The NFA used to have a lot of buffer stock in its warehouses. It would sell this P27 per kilo. Having that as a benchmark, as long as there is political will and additional budget given to the NFA, you can increase its ability to procure more,” he said during a virtual webinar.

The NFA has a current budget of P7 billion, according to Mr. Dar.

P15.00

N.Mindanao poll results not affected by glitches Mon-Tue|May 16-17, 2022

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Market Indicators FOREX

YOUR MINDANAO-WIDE BUSINESS PAPER

Mobile phone stores at the Gaisano Grand Mall in San Francisco, Agusan del Sur were crowded by shoppers from the neighboring towns of Surigao del Sur on May 10 and 11. mindanews photo courtesy of chris panganiban, jr.

SAN FRANCISCO, Agusan del Sur — For two straight days after the May 9 polls, most of the popular low-cost mobile phone brands were sold out at the three shopping malls here as residents from the neighboring towns of Surigao del Sur went on a shopping spree, using the money they allegedly exchanged for votes.

The shoppers from Tagbina, Barobo and Lianga towns in Surigao del Sur who reportedly got P6,000 each for SPREE/PAGE 11

mindanews photo by h . marcos c . mordeno

File electoral protest before proper forum: Comelec THE Commission on Elections (Comelec) said the only way to resolve pollrelated complaints and other protests is by filing before a proper forum.

Acting spokesperson, John Rex Laudiangco, said in a press conference Friday that if there are grounds for electoral protests, the cases can be filed after the Comelec finishes its job of canvassing and proclaiming the winners.

“Magalang at

mapagkumbabang paghiling ng Comelec sa ating mga kababayan, meron pong prosesong itinakda ang batas para po sa ganitong mga usapin (The Comelec is respectfully and humbly asking the people, the law sets processes for these kinds of discussion),” he said.

“Marami pong paraan na i-ventilate lahat ng (There ways to ventilate all) issues from the counting PROTEST/PAGE 11

It’s Romualdo, Romualdo, Romualdo, and Romualdo in Camiguin

By H. MARCOS C. MORDENO, MindaNews

MALAYBALAY City – The Romualdos are still lording it over Camiguin with four family members winning the top posts in the idyllic island province.

G o v. J u r d i n J e s u s Romualdo won as representative of Camiguin’s lone district, a post he held from 1998 to 2007. After that

he served as governor from 2007 to 2016.

He was mayor of the capital town of Mambajao from 2016 to 2019 while his wife Maria Luisa was governor during the same period.

He was again elected governor in 2019 while his brother Rodin won as vice

governor. The latter won his reelection bid on May 9.

Romualdo’s son Rep. Xavier Jesus won as governor.

He first won as congressman in 2013 as a substitute candidate for his grandfather Pedro who died a few weeks before the election.

Ranked fourth in the 2012 Bar examinations, Xavier Jesus defeated former ROMUALDO/PAGE 11

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MON-TUE|MAY 16-17, 2022

MisOr 2022 electoral results, proclaimed

M

ISAMIS ORIENTAL-Having achieved 100 percent election returns from 1,073 clustered precincts here, the Commission on Elections has announced the winning local candidates in the province for the National and Local Elections 2022, May 10.

Peter Unabia was proclaimed as the new governor of the province, with Jigjag Pelaez as Vice Governor, Christian Unabia was re-elected as the first district Congressman, and former governor Bambi Emano as second district congressman.

The winning candidates included a mix of re-elected and new officials, including re-elected Gingoog City Mayor Erick Cañosa who announced that they would

continue their GOLD strategic direction advocacy.

"We will continue our GOLD strategic directions or good governance, opportunities in agriculture and tourism, livelihood, and delivery of basic goods and social services, we started in our first term, so we can continue in our second term," Cañosa shared.

Apart from votecounting machines (VCM) paper jams, the election in the province was generally peaceful with the implementation of minimum health standards, COMELEC checkpoints, and security patrols of the 58th Infantry Battalion (58IB) in various towns.

The Philippine National Police (PNP)-10 reported no major electoral disruptions. (VPSB/PIA-10/ Misamis Oriental)

MisOr 2022 and Beyond. The winning candidates included a mix of re-elected and new officials, including reelected Gingoog City Mayor Erick Cañosa who announced that they would continue their GOLD strategic direction advocacy. (MisOrPIO)

BOC-Davao strengthens capabilities vs smugglers DAVAO City – The Bureau of Customs (BOC) in the Davao Region (BOC-Davao) deployed Wednesday two new fast patrol boats to go after smugglers at sea.

"The mere fact that we have these (fast boats) sailing in our seas, it will serve as a strong

deterrent for anybody who is thinking of breaking customs laws, rules, and regulations," lawyer Erastus Sandino Austria, BOC-Davao district collector, said in a press briefing here.

Sandino said the maritime assets will be managed along

with partner agencies such as the Philippine Coast Guard, Maritime Police, Philippine Ports Authority, Philippine Drug Enforcement Agency, and Philippine Navy.

"This is a nationwide project of BOC, it is a priority to provide fast CAPABILITIES/PAGE 11

BUTUAN City – The Commission on Elections (Comelec) in the Caraga Region has proclaimed the provincial candidates for various positions in the area the past three days after the conduct of the May 9 national and local

elections.

The first to be proclaimed was Nilo Demerey Jr. on Tuesday after emerging victorious in the race for governorship in Dinagat Islands province.

Demerey, the

incumbent vice governor of the province, defeated incumbent Gov. Arlene “Kaka” Bag-ao.

On the same day, elected Vice Governor Benglen Ecleo and reelected Dinagat Islands lone district Rep. Alan Uno Ecleo were also proclaimed.

In Agusan del Norte, the provincial Comelec office formally proclaimed Angel Amante as elected governor of the province, as well as her running mate, elected vice governor Enrico Corvera on Wednesday.

Also on Wednesday, candidates Joboy Aquino and Dale Corvera who ran for representatives in the first and second legislative districts of Agusan del Norte, respectively, were acknowledged as winners.

In Surigao del Norte, elected Governor Lyndon Barbers and his brother, reelected second district Congressman Ace Barbers, as well as elected Vice Governor Geed Gokiangkee were declared winners in the area.

Reelectionist 1st district Rep. Francisco Jose Matugas II was also proclaimed by Comelec on Wednesday.

Meanwhile, in Surigao del Sur, reelectionist Gov. CANDIDATES/PAGE 11

Comelec proclaims winning candidates in Caraga

CorporateWorld 3 Car industry up 40% in April 2022 Advertising and Editorial E-mail : businessweekmindanao@gmail.com Contact nos. : 0917-7121424 • 0947-8935776

MON-TUE|MAY 16-17, 2022

F

OR two straight months, sales of local vehicle assemblers recorded an over 40 percent growth as April 2022 sales rose by 40.9 percent, the Chamber of Automotive Manufacturers of the Philippines, Inc. (CAMPI) and the Truck Manufacturers Association (TMA) reported Thursday.

Vehicle sales increased to 25,149 units last month from 17,843 units in April 2021.

However, growth in April slightly slowed down from March sales increase of 43.4 percent.

CAMPI and TMA said both sales of passenger cars and commercial vehicles grew double digits.

Year-on-year growth of the passenger cars segment rose by 12.4 percent to 6,259 units in April this year from 5,570 units in 2021.

Commercial vehicle sales

jumped by 53.9 percent to 18,890 units from 12,273 units in the same period.

“The April sales performance reflects the continued containment of the pandemic underpinned by the improved consumer demand for big-ticket items compared with last year,” CAMPI president Rommel Gutierrez said in a statement.

Industry sales from January to April this year also

increased by 13.3 percent to 99,903 units from 88,155 units in the same period last year.

Seventy-five percent of which are commercial vehicles with sales growth in that period at 24 percent, selling 75,321 units from 60,730 units in the same period in 2021.

Year-to-date passenger car sales declined by 10.4 percent to 24,582 units in the first four months of 2022 from 27,425 units in the same period of

the previous year. The decline was dragged by coronavirus disease 2019 (Covid-19) restrictions in the first two months of 2022.

“The government’s economic growth target of 7 to 9 percent this year, driven by the overall improvement in employment and domestic demand, will play a critical role in the economy and the industry’s recovery alike,” Gutierrez added. (PNA)

Local mart keeps PH DTI chief hopes next admin food firm biz afloat will support MSME dev't, EODB DEPARTMENT of Trade and Industry (DTI) Secretary Ramon Lopez hopes that the next administration will continue supporting the development of micro, small and medium enterprises (MSMEs) and pursue ease of doing business (EODB).

In an interview with Net 25 Thursday, Lopez cited MSME development and ease of doing business as major achievements of the agency during the Duterte administration.

Lopez said the next Congress should see the need for giving total

support to MSMEs by allotting budget for trainings, financing, improving the quality of local products, increasing productivity, and integrating them into the wider supply chain.

He added this support will accelerate the development of local MSMEs. Aside from MSME development, the trade chief hopes that the next administration will continue to pursue reforms in the government to further ease doing business in the country.

Lopez said with the

enactment of the Ease of Doing Business and Efficient Government Services Delivery Act into law in 2018, the government is bound to complete transactions with the public in three days for simple transactions, seven days for complex, and 20 days for highly technical.

In DTI alone, the

agency can process online business name registration in just eight minutes. It takes days in the past to register a business name with DTI, Lopez said.

He added investing in technology and digitalization will help the government to streamline its processes and deliver faster services to the public. (PNA)

FILIPINO food manufacturer Monde Nissin Corporation has kept its business afloat despite increasing prices of raw materials brought by developments outside the country.

In a media briefing, Monde Nissin chief financial officer Jesse Teo said supply bottlenecks and rapid increase in input costs cut the company’s profit in the first quarter of the year.

“Input costs have increased well over 20 percent for the key region.

For the key raw materials that we have from oil and meat, for every 10 percent increase of that, it’s a 1.5

percent margin hit to our business,” Teo said.

The listed firm reported a 7.2-percent increase in consolidated revenues from January to March 2022 period amounting to PHP18.3 billion. Its net income declined by 13.5 percent to PHP2.1 billion in the same period.

Company chief executive officer Henry Soesanto said they remain optimistic about its business but will continue to monitor risks brought by increasing commodity prices.

“While we had a strong start to the year FOOD/PAGE 11

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Opinion

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How to Empower the Poor & the Vulnerable?

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Loneliest number (Pt. 1) Think a minute…In June, 2009 people all over the world were in shock and grief over the sudden death of the King of Pop, Michael Jackson.

Yet even though Michael was loved by hundreds of millions of people, his lawyer said: “Michael Jackson was the loneliest person I’ve ever known.”

Michael’s increasingly unusual behavior showed how desperately he was s e arching and st ar ving for real love and close relationships. The rich and famous movie star, Marilyn Monroe, shortly before her tragic death by a drug overdose at the young age of 36, said this: “I belonged to the world—because I never really belonged to anyone.”

A song says, “One is the loneliest number.” We humans were not made to live life alone, but to be connected with other people through close, caring relationships.

If I am the only one in my life, I will suffer or even break down emotionally, physically, or mentally. This is why “Isolation is insane” for us humans. Being cut off from other people is like a

THINK A MINUTE

JHAN TIAFAU HURST tree branch cut off from its trunk and roots: the branch rots and dies since its source of life is gone. “Everybody needs somebody.” We need love and other people in our heart like we need air to breath.

In Ma d r i d , Sp ai n a woman was dis covere d dead in her home. She had actually died six years earlier!

Amazingly, her body had not decomposed because of the salty seaside air in that area. No one had reported her missing because she had broken off her relationships with everyone, including her own children whom she had not spoken to for years.

If you knew you were NUMBER/PAGE 11

MON-TUE|MAY 16-17, 2022

Atty. Remedios Galutera Guiab Showed the Way

Website: www.businessweekmindanao.com E-mail : businessweekmindanao@gmail.com

RUFINO T. MAGBANUA Vice President for Business Development

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ORLAN R. RAVANERA WE live in turbulent times not just because of the corona vir us pandemic but because of gross social inequities, painful realities and threats brought about by social injustices, climate change and violent extremism. We need leaders who can listen deeply, speak responsibly and generate new societal commitments drawn from inner capacities and universal values so that they can become principled game-changers who can inspire others to commit to action. That is what a transformative leader is.

Indeed, glaringly, there is a need to effect social transformation in a highly skewed pyramidal social order where only a few oligarchs are in control of the economy in cohort with powers-that-be. Whenever we decide to begin to work for social transformation, we begin with enquiries on what to change and the result we want to produce.

First of all, we must ask where are we now socially, economically, ecologically and politically? Our country is oozing with ecological resources, in fact the richest on earth but who controls?

Who decides? Who profits?

It is in this context that

there is now an imperative need for a transformative leader who will effect social transformation as social change has been so elusive all these years despite 14 years Martial Law and twopeople powered revolutions With the 2022 National Elections now over, did the Filipino people choose right when they cast their votes to elect those who should rule the country, be it nationally or locally. Will the newly elected leaders be able to transform a highly skewed societal order by stopping the rule of the elite and the oligarchs? These newly elected leaders can only become transformative by empowering the poor and the vulnerable to draw those in the margins into the mainstream of development process. Such is easier said than done but very much doable as shown in the 10year mayorship of Atty.

Remedios Galutera Guiab in Wao, Lanao del Sur when the municipality not only became a developmental show-window but in unifying the once-upona-time poor settlers coming from different parts of the country and in bringing p eace by stopping the Christian and Moslems’ conflict through rule of law.

That fire in her heart to bring the rule of law in a troubled Wao began in the sixties when she chose together with her husbanddoctor to live in Wao in utter disregard to a life of fame, wealth and power that a young lawyer could easily have then. The young and beautiful lawyer from Nueva Viscaya is the daughter of

a bar topnotcher and was well connected as no less than the late Senator Bobby Tanada and Sen Romulo were her law classmates but opted to serve the least of her brethren in Mindanao, providing legal services for free to those in need to put in clear categorical term the saying that those who have less in life should have more in law.

As the Municipal Mayor then of Wao from 1988 to 1998, she brought to the fore an in-depth analysis on what was impoverishing the peasantry then as everyone was profiting from farming except those who do the back breaking job of farming – the poor farmers due to the lack of capacity and control over the mode of production and marketing. Thus, they must be capacitated through continuing technical s eminars and f inanci a l support to go into diversified and sustainable agriculture.

It was so amazing to know that through her leadership, Lank Bank of the Philippines established a Lank Bank in Wao which was supposed to b e bu i lt s ome w he re else. By empowering the peasantry, many were able to break the vicious cycle of poverty, unfettering the children from malnutrition and be schooled, many of w hom h ave b e c ome professiona ls and e ven have the opportunity to work abroad. Because Wao did bloom agriculturally, it then earned the moniker, “Wonderful Agricultural Opp or tunity (WAO) in addition to being, We Are One (WAO) as oneness of the settlers coming from

different tribes, culture and religions from different reg ions of t he count r y loomed for peace to reign.

What was so amazing during her ten-year stint as Mayor was her excellent resourcefulness to access funds to build school buildings, the beautiful municipal hall, constructing bridges and roads that were well-paved, health centers and what have you. Even the salaries of municipal e mp l oy e e s w h o b e f ore were receiving ver y low wages as Wao before her term was just a 5th class municipality unbelievably leap to higher significant class level. The once isolated Wao that was so far and dif f ic u lt to re ach t hen because of bad roads and lack of bridges had become a sort of “development showwindow.”

All told, her transformative leadership became ver y exemplar y as elected officials from different municipalities would come to Wao to learn from her excellent performance. But what was even so amazing was her passion and compassion to serve the people despite all obstacles, threats and even continuing offensives by her political opponents following “crab mentality.”

As religious leaders would state in their sermons, “the mayor is doing the will of God, her opponents, the will of Satan.”

In a world that is giving high veneration to the profit motive that has already captured the mindset of all gover nments, all EMPOWER/PAGE 11

BPI's thrust: digitalization, customer obsession and sustainability The Bank of the Philippine Islands (BPI) recently held its annual stockholders with the theme of reinvention as the Ayala-led bank outlined a strategy focused on customer obsession, digitalization and sustainability.

BPI President and CEO Jose Teodoro “TG” K. Limcaoco told BPI stockholders that the bank “will continue to reinvent banking so that we can better serve the evolving needs of our clients” and that “digitalization, customer obsession and sustainability remain to be our focus as we move forward to a postpandemic environment.”

Digitalization Limcaoco reported that w hi le many comp anies purposely reduced expenses during the pandemic, BPI spent nearly PHP 9 billion or about 9% of total revenue in 2021 on technology, including new digital initiatives such as building and improving customer engagement platforms and onboarding new partners in its open banking business.

In October 2021, BPI announced plans to acquire and engage clients through seven customer engagement platforms, each specifically designed to fulfill the banking needs of a particular segment.

Five platforms—BPI Online, BPI Mobile, BPI Trade, BizLink, and BanKo app—are already available today, with two more slated for release this year.

B P I ’s ongoing digitalization journey continues to reinvent the customer interaction and experience. As of 2021, 4.9 million of its 8.46 million client base were enrolled in digital channels. Of the number, 3.24 million were active, up 20% from the previous year. BPI also has a growing list of over 80 API partners covering nearly 800 products and services, with over 100 million transactions in 2021, a 75% growth from the previous year.

Customer Obsession Limcaoco reported that the BPI workforce also seeks to be “heroes for its customers” with a shift in

mindset. In 2021, BPI created a new position for a Chief Customer and Marketing Officer, whose job is to put customer needs first.

The bank also launched a concise version of its Core Values wherein everyone in the bank must be N.I.C.E, which touches on the need to be Nurturing, acting with Integrity, being Customer obsessed, and acting with Excellence.

BPI likewise strengthened its coverage of various client segments, by forming a cons olidate d consumer banking unit that focuses on prov i d i n g re l e v a nt financial solutions to the retail market. Corporate Banking continues to cater to large corporations, Business Banking covers the small, and medium enterprises (SMEs), while Banko, it’s microfinance unit, looks after the self-employed micro entrepreneurs (SEMEs).

Limcaoco acknowledged the role of BPI’s 19,000-strong workforce in delivering excellent financial solutions and service to clients. “They

SPEAKING OUT

IGNACIO BUNYE have stood by our customers throughout these challenging times, and they are very much the driving force behind the Bank we have become,” he said.

Limcaoco also gave due credit to his immediate predecessor, Cezar “Bong” P. Consing, who led BPI from 2013 to 2021. “Under him we made great leaps in our digital journey without compromising the business values that define BPI. BPI is in a great position today because of the forwardlooking decisions he made.”

Sustainability BPI also affirmed its longstanding commitment BPI/PAGE 10

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MON-TUE|MAY 16-17, 2022

Fitch Ratings eyes next admin to keep PH's sound policy framework F ITCH Ratings eyes the continuation of the government’s infrastructure program, which is deemed as a key element of the economy’s favorable mediumterm prospects, in the incoming administration.

In a report dated May 12, the debt rater said presidential candidate Ferdinand Marcos Jr. got a clear mandate based on the unofficial results of the May 9 polls and this is a plus if it wants to keep the policies of the current administration.

“Our baseline assumption is for the Philippines to continue with its sound policy framework and return to strong medium-term growth following the

Covid-19 (coronavirus disease 2019) pandemic, but the Negative Outlook on the Philippines’ rating, which we affirmed in February 2022, reflects the uncertainty around this outcome, as well as possible challenges in bringing down government debt after the pandemic policy response,” it said.

The Philippines currently has an investment-grade rating of ‘BBB’ with a negative outlook from Fitch Ratings.

The credit rater said economic scarring caused by the virus-induced pandemic is expected to be countered by the investments aimed to address the infrastructure

gap in the country.

“However, investment efficiency is critical.

A deterioration of governance standards could, over time, dilute the positive effect of investment on productivity growth,” it added.

The report also said, “poorly managed public infrastructure investment could also contribute to government debt rising faster than nominal GDP (gross domestic product) over the medium term, which would pressure the sovereign rating.”

It said the impact of the High Court’s 2018 ruling regarding the increase of local government units’ (LGUs) share in national government funds starting this year is yet to be

seen vis-à-vis the public spending efficiency.

“The current administration estimates the transfers will be fiscally neutral at the general government level, as it plans to transfer spending assignments in tandem to local government units. However, poor execution could lead to underspending by local governments,” it added.

The report cited that while this will have a big impact on the economy’s medium-term growth potential, “the net credit effects are likely to be negative, even though public finances may improve in the near term.”

In terms of Marcos’ campaign promise POLICY/PAGE 11

Fraud monitoring system for financial institutions now required Circular No. 1140 as an amendment to the Information Technology Risk Management Framework after their surveillance showed that cyberattacks and illegal schemes affect two or more FIs simultaneously.

Diokno said the FIs’ automated fraud monitoring systems, as well as their anti-money laundering system, “should

FINANCIAL institutions (FIs) regulated by the Bangko Sentral ng Pilipinas (BSP) are now required to have an automated and realtime fraud monitoring and detection system to address the growing incidents of cyber frauds.

In a virtual briefing on Thursday, BSP Governor Benjamin Diokno said they recently issued

be linked or integrated to have a cohesive and comprehensive financial crime prevention system.”

FIs are also encouraged to use interactive platforms for their consumer education program, he said.

The Circular is expected to lessen losses from fraud and cybercrimes, and boost the central bank’s bid to

further increase digital financial transactions in the country.

“The BSP believes that a holistic and coordinated approach among the industry players is necessary to ensure that funds cannot be easily siphoned off by fraudsters and cybercriminals.

In line with this, the BSP shall continue to REQUIRED/PAGE 9

Online transactions via LANDBANK rise 22% in Q1 THE VALUE of online transactions done with Land Bank of the Philippines (LANDBANK) increased in the first quarter, driven by the rising demand for digital services.

The state-run bank facilitated a total of 39.14 million transactions amounting to P567.61 billion in the first three months of the year, LANDBANK said in a statement on Tuesday.

This translated to a 36% year-on-year growth in volume and a 22% rise in the value of

transactions.

These transactions included mobile banking, government disbursement, retail banking, institutional banking, and bulk credit, LANDBANK said.

Broken down, the lender’s mobile banking app recorded 29.75 million transactions worth P47.18 billion for the first quarter of the year, 37% higher in terms of volume and a 46% growth in value.

Meanwhile, the bank’s corporate internet banking platform weAccess logged over six million

transactions worth P143.19 billion in the first quarter, which translated to increases of 37% and 25% in volume and value, respectively.

LANDBANK’s webbased payment facility, Link.BizPortal, facilitated around 1.38 million transactions equivalent to a 42% increase from the first quarter of last year.

Total value rose by 58% to P3.41 billion.

Transaction value in its online retail banking channel, or iAccess, jumped by 26% to P4.46 billion from P3.55 billion

in the same period in 2021.

On the other hand, the value of transactions on LANDBANK’s electronic modified disbursement system rose by 18% year on year to P368.06 billion in the three-month period.

“LANDBANK’s digital transformation is geared towards providing accessible financial services to meet the growing needs of our customers. We are also driven towards greater digital adoption to advance financial ONLINE/PAGE 11

What is the Girl Scouts Program?

By: SARAH M. VOSOTROS Teacher III Governor Pelaez ES Medina South District

Being a member of the Girl Scouts pro g r am c ont r i but e s t o g i r l s’ academic success by helping them develop important leadership skills, such as resourceful problem solving and challenge seeking. Girl Scouts contributes to girls’ academic success as much as or more than their positive relationships with teachers and weekly participation in other outof-school activities. Learning to plan and solve problems in Girl Scouts may help compensate for some of

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Banking&Finance

the effects of lower socioeconomic status on girls’ achievement.

Moreover, community service is an important part of growing as a Girl Scout. Girls are encouraged to give back and improve the world around them from the very start and it becomes even more of a focus as early as 4th grade. Girl Scouts is the leading organization that provides girls with a fun and safe environment to overcome fears and try new things, making them greater

OROBANKERS DIRECTORIES CAGAYAN DE ORO CITY

A PUBLIC SERVICE BY:

AMANAH/ISLAMIC BANK V. Neri Street Carmen, Cdoc 858988/8587965 / 722274

METRO BANK- COGON Osmeña Hayes St. Cdoc | 726438/8572057

ASIA UNITED BANK Cor.Camp Alagar Road Lapasan, Cdoc 729678 / 8568893

METRO BANK- CARMEN Max Suniel St. Carmen, Cdoc 8581722/ 8585162

BDO – VELEZ Velez-Rn Abejuela Street, Cdoc 2314246/8572075

METRO BANK- LAPASAN CM Recto Lapasan HW, Cdoc 724461/8561721

BDO – SM G/F SM City, Master Son’s Avenue Upper Carmen Cdoc | 8592623/8592637

METRO BANK- OSMEÑA Brgy Osmeña St. Cdoc | 722014 /8800924

BDO – XU XU Lib. Annex Corrales St. Cdoc 8574108 / 8573796

METRO BANK- CORRALES Corrales Avenue, Cdoc | 8572635/728731

BDO – CDO HAYES Trendline Bldg.,Hayes Street, 8568151/727405

METRO BANK- GAISANO 8561720

BDO – COGON Sky hi Bldg JR Borja St. Cogon, Cdoc 8577963/ 725209/ 725203 BDO – OSMEÑA Osmeña corner Ramon Chavez St. Cdoc 724567/8563727 BDO – LAPASAN Lapasan Highway Cdoc 8563233 /8563234 / 725178 BDO – RN- PELAEZ George Town CyberMall Rn Pelaez Blvd Kauswagan Cdoc | 8562617/729052 BDO – CARMEN Maxsuniel cor.V Neri St. Carmen, .Cdoc 8584854 /8581133 BANK OF COMMERCE- VELEZ Akut- Velez St.Cdoc | 8564371 / 726880 BANK OF COMMERCE- LAPASAN

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BPI FAMILY SAVINGS BANK RER kauswagan,HW Cdoc 8573733 /722519 BPI FAMILY SAVINGS BANK Gaston Park Cdoc | 8801518 BPI – LAPASAN Cm Recto HW Lapasan Cdoc 724076/ 8524602 BPI- VELEZ Velez-JR Borja St.Cdoc 8564213/722406 BPI – CAPISTRANO Capistrano St. Cdoc 8574264/8574263 BPI- COGON Osmeña St. Cdoc 8571297/8571298 CHINA BANK –GAISANO 745887/745880 CHINA BANK- JR BORJA JR Borja St. Cdoc 8572212/8573274 CHINA BANK- LAPASAN CM Recto Lapasan HW Cdoc 8561325 /722240 CHINA BANK – CARMEN Max Suniel, Cor. Yakal St. Cdoc 8583903/723091 CHINA BANK – DIVISORIA RN Abejuela St. Divosoria Cdoc 8575759/722641 CITY SAVINGS BANK TS Fashion Ave.Justo Ramonal Corner St.Cdoc 2316060/ 2316059 CHINATRUST Suite U&5 G/LGateway Tower Lapasan Lkk Cdoc 8521846/8521844 D’ASIAN HILLS BANK HW. Lapasan Cdoc | 8564201/ 8564201 D’ASIAN HILLS BANK Vamenta Carmen Sts. Cdoc | 8585366 DBP – CORRALES Corrales Ave., St. Cdoc | 8572087/722649 DBP – CAPISTRANO JR Borja Capistrano St. Cdoc 8567776/722819

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PNB- CARMEN Elipe Bldg.Carmen, Cdoc | 8583158/ 8584203 PNB- LKK LKK Lapasan, Cdoc | 8564347/722872 PNB CDO– DIVISORIA Tiano Bros.Cruz Taal St., Cdoc 722861 /722816 PNB CDO– LAPASAN LKK Center Lapasan, Cdoc | 8564732 / 723992 PNB CDO– COGON LKK Center Lapasan, Cdoc 8571991/ 723992 PHILIPPINE POSTAL SAVINGS BANK, INC. bels_domingo@yahoo.com.ph Rizal Chavez Cdoc 8572194/725438 PS BANK Velez Corner A. Mabini St., Cdoc 8574183/725184 PHILIPPINE VETERANS BANK Tiano-Abejuela St. Cdoc 722644/8573386 QUEEN CITY DEVELOPMENT BANK, INC. Sacred Heart Mont. Cm RectoAve., Cdoc 8562390 RCBC- VELEZ Velez-Borja St. Cdoc | 8564982/8568888 RCBC- COGON Simplex Bldg. Osmeña St. Cdoc 8562888/725863/8521329 RCBC- LAPASAN Cm. Recto Lapasan HW. Cdoc 8561888/722449 RCBC- LKK Gateway, Tower 1 LkkCenter, Cdoc 8563707/722449 RCBC SAVINGS- CARMEN Walingwaling St.,Carmen St. Cdoc 8585793/ 8586248 RCBC SAVINGS- VELEZ Velez St. Cdoc | 729083/8562460 RCBC SAVINGS- AGORA 8807891/8807892 RURAL BANK OF CABADBARAN, Inc.

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EAST WEST BANK Cogon De Oro Constraction Bldg. LKK Drive 8500339/8500331

STERLING BANK OF ASIA Tiano Velez St. CDO | 8528171/8528168

ENTERPRISE BANK INC. Centro Mariano Bldg Osmeña St. Cdoc 723869/ 3093395 FIRST CONSOLIDATED BANK CM Recto Ave., Cor.Agudo Road Cdoc 8565360/2316678

challenge-seekers, more academically proficient learners and, eventually, more successful adults.

Whether they are building a campfire or at their first sleep away, Girl Scouts provides a safe place for girls to face their fears and take appropriate risks. They are encouraged to try new things even though they might fail and to learn from mistakes. Girls who step up and take on challenges grow into women who are more successful.

PBCOM Tiano-HayesSt. Cdoc | 726519/8571558

LBP – CAPISTRANO Capsitrano St. Cdoc | 8565515/727678 LBP – VELEZ LunaVelez St. | 723549/8563198 LBP – PUERTO Puerto Cdoc | 8558858 MAYBANK JR Borja Tiano Cor. Bldg. Cdoc 8574439/726060 METRO BANK- DIVISORIA Pabayo Abejuela St. Divisoria Park, Cdoc 724783/8576999 METRO BANK- VELEZ A. Velez St. Cdoc | 8561724/726054 METRO BANK- JR BORJA JR Borja St. Cdoc | 8572999/724415

UCPB BANK- LAPASAN Osmeña Corner Lkk Drive, Cdoc 85771842/ 725135 UCPB BANK- VELEZ Velez Corner C. Pacana St. CDO 8564474/8564527 UCPB BANK SAVINGS-CAPISTRANO

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is most consistent PhilHealth holds series of meetings with Globe network in Q1 2022 stakeholders on UHC implementation The Philippine Health Insurance Corporation (PhilHealth) recently staged a series of virtual meetings with their various stakeholders in order to keep them abreast on latest developments on the implementation of Republic Act 11223, otherwise known as the Universal Health Care Law. Around 1,200 participants from different sectors comprising of employers and business owners, labor and overseas contract worker groups, recruitment and manning agencies, health care professionals and medical societies, and media practitioners have attended the half-day sessions

organized by the state health insurer.

Local Chief Executives (LCEs) of partner Local Government Units (LGUs), human resource officers of National Government Agencies (NGAs) and administrators of various organized groups whose members consist of selfearning individuals such as small traders and job order contractors also graced the event.

The meetings were designed to refresh them on the salient points of the UHC Law and how it aims to provide Filipinos with financial risk protection as they gain access to quality and affordable healthcare services. Highlight of the presentations include

Practicing non-judgement By: SARAH M. VOSOTROS Teacher III Governor Pelaez ES Medina South District

When you make a judgment, it tends to come from a clear mind, where something is simply categorized as positive, negative or neutral.

On the other hand, being judgmental comes from a reactive and imbalanced mind that wants to protect itself from being hurt. Being judgmental is, essentially, a defense mechanism.

We can be quick to jump to conclusions. We may label others before getting to know them.

Judging others may even happen subconsciously, without you being aware that it’s part of your internal dialogue. Can you think of a time when you judged someone? In the moment, it may have felt right to judge. But, if you checked in with yourself, it probably didn’t feel great physically or emotionally.

What about when you’ve felt judged? Also, not a good feeling. In fact, we often also judge aspects

of ourselves as “good” or “bad”.

Although as humans, we’re naturally wired to draw conclusions from our life experiences at face value. Perhaps, you’re at a party and you see a person by themselves in a corner who seems uncaring about what’s going on around them. You immediately think that you should steer clear of them because they’re probably repulsed by people and will only turn someone like you away.

Well, that’s your judgmental brain talking.

But no matter how instinctive judgment is for us, making the effort to go against it and practicing non-judgment can actually change our lives for the better. By being nonjudgmental, we become more compassionate and accepting of ourselves and others. It relieves us from the stresses of everyday life and even from depression.

the benefit packages introduced as part of PhilHealth’s COVID response in the last two years from testing, home and facility-based isolation, hospitalization, to vaccine injury compensation.

The participants were also briefed on the packages that will either be expanded or introduced in the immediate future such as additional dialysis sessions, an outpatient mental health package, and continuing full financial risk protection for healthcare workers.

As mandated by law, PhilHealth introduced and is now vigorously enlisting facilities so that members and their dependents can avail themselves of primary care benefits that include regular consultations, preventive and promotive care, select diagnostic tests and medicines upon the

recommendation of the primary care professional.

To be able to enhance and sustain existing benefits, and introduce new packages to meet patient demands, the attendees representing major stakeholder groups were informed and thoroughly briefed on membership and contribution issues, particularly on the resumption of the scheduled premium contribution as mandated by the UHC Law. According to Section 10, contribution rate and ceiling for Direct Contributors for 2022 shall be at 4 percent and P80,000, respectively. The Agency said it will resume collecting the legislated contribution schedule effective January 2022.

However, its collection systems particularly the Electronic Payment MEETINGS/PAGE 9

Can mathematics be spiritual?

By EDMAR P. JAUDIAN Teacher III Opol National Secondary Technical School

AT first glance, math and religion appear to have little in common yet they evoke similar feelings among their devotees. Both pursuits require years of intense study often punctuated by cathartic aha moments.

Grasping an elusive eternal truth elicits feelings of awe and joy whether that insight is mathematical or theological.

After all, mathematics is the poetry of logical ideas. In this effort toward logical beauty, spiritual formulae are discovered necessary for the deeper penetration into the laws of nature. Elegant may have been a more conventional word choice and yet Albert Einstein chose his words to underscore a more profound level of mathematical

beauty.

R elig ious l angu age is of ten employe d by mat hemat ici ans, e ven among those who aren’t particularly pious. This unseen book is an apparent nod to the timelessness of mathematical ides whose existence and persistence parallels the eternal nature that some expect of divine truths.

Mathematical pursuits and religious pursuits are alike in many ways and evoke similar feelings and responses in their devotees.

However, this observation is not a universal claim about the faith convictions of mathematical thinkers.

Throughout mathematical history, we find plenty of adherents of various faith traditions.

The Window of Opportunity

by JULIETA MAIKO M. MAGALLANES

They say education is the key to success; that it’s this big window of opportunity for each individual. But how much power does it really have to help someone live a better life? We know of people who graduated with colors who are now struggling to find jobs suitable for their experience.

We also know of some people who successfully finished their degree but are holding on for dear life. This makes us think, is pursuing learning and education worth it? Once we’ve finished schooling, will education be obsolete?

In our current education system, we have been forced to find alternatives just to continue teaching and helping the students improve their skills and learning capacities — modules, audio lessons, TV and radio broadcasts, and online synchronous and asynchronous

classes. These modes of learning have not only been challenging for the administrators and teachers but most of all for our students.

The socio-economic climate of the Philippines forces one to go out of their way just to grab this opportunity by the neck when in the first place, it should have been given to them at their doorstep. The current pandemic made things even more difficult for the education sector. More and more students are dropping out of school because of the lack of resources, motivation, and overall willingness to learn — because who would like to focus on school when the world around them is struggling?

I believe this is the part where the role of teachers is greatly vital.

Not only we are lighthouses in their journey on the ocean, we are the

waves that push them to better places.

Knowing how dire the educational crisis is in the Philippines, the role of being a teacher is more needed than ever. We should not only be requiring them for their projects — we should be empowering them at the same time. We should help them believe that no matter what situation they are in, they can grab the opportunity to be successful. In this sense, we are putting education not just a requirement for success, but an important aspect of their holistic development. Education is one of the keys to success. It is not the only road to attaining one’s goals but it greatly helps us in ways we can’t even imagine. So persist and continue learning and prioritizing education for yourself, the community, and ultimately for the country.

Globe, the country’s leading digital solutions platform, was rated the most consistent mobile operator in the Philippines in the first quarter of the year based on figures from two international analytics firms.

In reports by Ookla® and Opensignal*, Globe emerged as the top Philippine mobile operator in terms of consistency rating in Q1 2022, becoming the best telco in terms of giving customers a better user experience across various applications.

Based on Ookla® Speedtest Intelligence® data, Globe logged a nationwide consistency score of 79.45 from January to March 2022, an increase from 70.43 in the same period last year. This is also a rise from 79.02 registered in Q4 2021.

Southern Tagalog, including the provinces of Cavite, Laguna, Batangas, Rizal and Quezon, had the most improved consistency score among regions nationwide with

81.26, followed by Central Visayas with 73.95, and Bicol with 73.02.

Ookla’s mobile consistency score is determined by the number of tests taken that are above a certain speed threshold. The higher the figures, the more likely for consumers to enjoy acceptable internet performance and quality.

Opensignal, meanwhile, recognized Globe for having the most consistent mobile quality in the Philippines, besting peers in the Excellent and Core Consistent Quality categories of the Opensignal Mobile Experience Awards*.

The independent global standard cited Globe with the Excellent Consistent Quality award in its April 2022 Mobile Network Experience Report for the Philippines*, which used data from January 1 to March 31, 2022. Globe got a rating of 51.6 percent, 7.8 percentage points above the nearest competitor.

Globe was also No. 1 in GLOBE/PAGE 9

The Importance of School’s Hidden Curriculum JUVELYN BORRES GALINADA Teacher III Ampianga Elementary School DepEd Sugbongcogon District

Curriculum in its simplest definition is the lesson taught in a school or in a specific course or program.

Furthermore, curriculum serves as a guiding tool for all educators in terms of what is required for effective teaching and learning, ensuring that all students have access to challenging academic experiences. In addition, the contributions of curriculum to quality education are basically to help students learn to be developed holistically through delivering educational services that is relevant, basic and equitable.

Moreover, it serves as a heart and soul of school system for it gives life and manifest learning process. At the end of the day, we can say that curriculum helps in nationbuilding towards global competitiveness through our educated people.

On the other hand, there is what we called hidden curriculum. The importance of school’s hidden c ur r ic ulum to the formation of students and employability of its graduates are first; it helps students become responsible citizen with pride and honor as they distinguished good and bad as well as negative and positive characteristics of all aspects in their very self and surroundings. Second, though hidden curriculum is taught indirectly but its main goal is to help students become better version of themselves. Third, it will

gradually transform their lives with all those good teachings learned from a hidden curriculum. With this, there is a big chance on employment knowing their own potentials, skills, talent and more so on their attitudes and by that they can be great employees if given a chance in certain positions. So to say, students are taught outside the topic of their courses using hidden curricula. A teacher can create concealed curriculum to instill desirable traits like dignity, humility, hard effort, responsibility, and gratitude. The potential for hidden curricula to have a beneficial influence on kids and perhaps transform lives is enormous.

L astly, the hiddencurriculum concept is based on the idea that students absorb lessons in school that may or may not be part of their formal course of study—for example, how to interact with peers, teachers, and other adults; how to perceive different races, groups, or classes of people; or what ideas they should have.

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DIRECTORY

Transparent face mask now available in PH JELLI is a startup that was founded in Taiwan. It was at the height of the pandemic when Steve Tsao realized that his children could never see

the smiles of their classmates again upon going back to school. So Tsao thought of creating something that allows people to see smiles behind those

Philippine Curriculum Development: Holistically Competent Young Learners JUVELYN BORRES GALINADA Teacher III Ampianga Elementary School DepEd Sugbongcogon District

A PUBLIC SERVICE BY:

Before the adoption of the K to 12 Basic Education Curriculum, the Philippines was the last country in Southeast Asia and one of only three countries in the world to have a 10-year basic education system. The Philippine Kindergarten Curriculum Standard was introduced in 2012, although it was revised in 2013. It is divided into seven domains: 1) Physical Health and Motor Development; 2) SocioEmotional Development; 3) Values Education; 4) Language, Literacy, and Communication; 5) Mathematics; 6) Social Development; and 7) Physical and Natural Environment Understanding.

First, Physical Health and Motor Development (Kalusugang Pisikal at Pagpapaunlad sa Kakayahang Motor), children are expected to develop both fine and gross motor abilities in order to participate in healthy physical activities. Second, children are supposed to d e vel op e mot i ona l abilities to relate well with others and accept cultural variety within the school community and ot her individuals (Pagpapaunlad sa Kakayahang Sosyo – Emosyunal). Third, children are required to have a positive self-concept, respect and concern for themselves and others, know how to follow and behave responsibly in all situations and places, and exhibit love of God, country, and fellowmen through Values Education (Kagandahang Asal). Fourth, Literacy and Communication allows for self-expression through the use of the

masks.

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Teaching reading during pandemic

By ELLEN C. CABASAN Teacher III Barra Elementary School

mother tongue's language.

In their first language, children are supposed to develop communicative skills. Fifth, Mathematics Children are required to grasp and exhibit their understanding of number identification, as well as notions of length, capacity, mass, and time, as well as perform simple operations with concrete objects. Sixth, children are supposed to develop basic conceptions about themselves and how to relate successfully with others in their immediate e nv i ron m e nt , a s w e l l a s d i spl ay k now l e d ge of their social identity (Pagpapaunlad ng Kakayahang Makipamuhay).

Lastly, Understanding of the Physical and Natural Surroundings where children are exp ec ted to show a fundamental understanding of concepts relating to living and nonliving things, as well as weather, and to apply these concepts in categorizing things in their environment.

To s u m u p , t h e Philippine Kindergarten Curriculum was designed by the DepEd content experts and curriculum writers to carefully provide unique curriculum that is appropriate of which at the end of the day can produce holistically competent young learners.

MORE than one in three children in kindergarten through Grade 3 have little chance of reading on grade level by the end of the school year without major and systemic interventions.

That’s according to a new study based on data from more than 400,000 students in kindergarten through fifth grades. The research shows that through students have begun to recover lost academic ground in the last year, big holes remain in students’ fundamental reading skills.

There’s one group below benchmark. Think of them as bubble kids, you know, the ones who probably need strategic support that can be

offered within the classroom but don’t need to be pulled out for something more intensive. And then there are kids who are least likely to be successful at the end of the year. These kids we’re identifying as at risk.

The sheer number of students in need of intense reading support strains the capacity of schools that often rely on tiered systems like response to inter vention. The kids with dyslexia have been harder to find because they haven’t been in school, making it more difficult to determine whether a reading difficulty comes from learning differences or interrupted reading.

The mathematical trick for making much better decisions

By EDMAR P. JAUDIAN Teacher III Opol National Secondary Technical School

WHETHER you’re choosing a spouse or a storefront, this math-based trick can help you pick well. Inside every major decision nests another smaller decision.

When do you give up on information gathering and decide you have enough data to make a choice?

Spend too long probing your options and you fall prey to analysis paralysis or let promising opportunities go by. Clouse out the process too quickly and you risk regretting options you never considered.

This is true whether you’re looking for a spouse or looking for a storefront

for your business. How do you decide when to explore further and when to pull the trigger on a choice?

What if I tell you that there is a single mathematically derived answer to this question no matter what domain your decision falls in? Will you believe me if I tell you it is the oddly specific number 37?

It seems strange to think that there is one right answer to the question. Marrying the right person is perhaps the most consequential decision of your life.

Surely, you must test the waters longer than if you’re choosing a new swag, right?

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Required...

Meetings...

engage with relevant stakeholders to ensure that policy frameworks and super visor y actions are effective and responsive amid a fast-evolving cyber security environment,” Diokno said.

He said digital payments adoption in the country continues to broaden through sustained growth in the use of interoperable facilities, such as electronic funds transfer facilities PESONet and InstaPay, the national QR Code standard called QR PH, and e.Gov pay, a web-based facility that the public can use to file and pay contributions and payments of government contributions and loans, among others.

Diokno said that from 21.8 million transactions amounting to PHP1.3 trillion in 2021, the volume and value of PESONet transactions reached 26.4 million to PHP1.9 trillion, respectively, to date.

He said InstaPay volume as of end-April this year grew by 32.7 percent to 166 million from 125 million transactions in the first four months last year.

“The rising use of digital payments helps us move closer towards our goal of having a cashlite society,” he added.

Diokno said the central bank “continues to ensure that systematically important payment systems or SIPs, which eventually facilitates the settlement of the digital payments among banks, follow standards, which are at par with global practices to ensure safety and reliability.” (PNA)

an d R e p or t i ng Sy s t e m (EPRS) and the PhilHealth Member Portal will be ready for payments/remittances following the adjusted rate starting the month of June 2022, while payment of the one percent differential for the paid periods (referring to January to May 2022) may be settled until December this year.

Cognizant of the situation of many Filipinos at this time of the pandemic, PhilHealth deferred implementation and instead supported efforts in Congress for a possible legislation that would grant the President with powers to suspend increases during national emergencies.

H o w e v e r, w i t h n o legislation yet in sight, it said it is resuming implementation of the contribution schedule this year as mandated by the UHC Law. Overall, the fora received positive response from the stakeholders where most of the participants expressed readiness to support its programs and policies in order to sustain their benefits. They also manifested willingness to become social health insurance advocates, citing PhilHealth’s importance where effectively managing hospitalization costs is concerned.

For their part, PhilHealth President and CEO Atty.

Dante A. Gierran, and Executive Vice President and Chief Operating Officer Atty. Eli Dino D. Santos

from page 5

from page 6

encouraged all stakeholders to support the UHC Law by helping the agency attain its vision of providing all Filipinos with quality and affordable health care services anytime and anywhere they need them.

Globe... from page 6

Core Consistent Quality with 74.6 percent, besting the nearest contender by 12.8 percentage points.

“Globe is the outright winner of the Excellent Consistent Quality award, as the highest proportion of users’ tests met the minimum recommended performance thresholds to watch HD v i d e o, c ompl e te g roup video conference calls, and play games on its network,” Opensignal said in the report.

“O u r me asu re s of consistent quality quantify how often users’ experience on a network was sufficient to support common applications’ requirements,” Opensignal said.

Opensignal’s Excellent Consistent Quality measures the “percentage of users’ tests that met the minimum recommended performance thresholds to watch HD video, complete group video, conference calls, and play games.” Core Consistent Quality, meanwhile, is “the percentage of users’ tests that met the minimum recommended performance thresholds for lower performance applications including SD video, voice calls and web browsing.”

G l o b e’s out s t an d i ng ratings in Q1 and constantly improving customer experience reflect gains in its relentless network boost, in line with its commitment to innovation to drive economic growth under the

United Nations Sustainable Development Goals.

“We are seeing the fruits of our non-stop builds to further improve our network so we can give our customers the best mobile experience. We will never waver in our efforts to fortify our infrastructure towards the digital enablement of more Filipinos across the country,” said Ernest Cu, Globe President and CEO. Globe invested an unprecedented P92.8 billion in CAPEX in 2021 in response to heightened demand for connectivity. This led to the rise of 1,407 new cell sites, roll out of 1.4 million fiber-to-thehome lines, and installation of 2,000 5G outdoor sites and in-building solutions.

The company is sustaining this aggressive expansion with an P89-billion CAPEX this year to build new cell sites, upgrade existing sites to 4G/ LTE, accelerate 5G rollout, and boost the fiberization of Filipino homes nationwide.

To learn more about Globe, visit www.globe.com. ph.

DEED OF EXTRAJUDICIAL SETTLEMENT/PARTITION WITH WAIVER OF RIGHTS KNOW ALL MEN BY THESE PRESENTS: That the late CARLITO Y. LA VICTORIA who died intestate and without leaving a Will on March 15, 2018 at Bugo, Cagayan de Oro City; at the time of death of the above decedent, he left a parcel of land with Transfer Certificate of Title No. _______ situated at Villa Trinitas Subd., Bugo, Cagayan de Oro City, containing an area of ONE HUNDRED FIFTY SIX (156) Square Meters, more or less, and has been the subject of an DEED OF EXTRAJUDICIAL SETTLEMENT/PARTITION WITH WAIVER OF RIGHTS, filed by the heirs of CARLITO Y. LA VICTORIA, per DOC #09; PAGE #02; BOOK #31; Series of 2022 under the Notarial Registry of ATTY. JOHANNE EMMANUEL G. AGUSTIN. BWM: May 16, 23 & 30, 2022

Preventing violence at schools By: SARAH M. VOSOTROS Teacher III Governor Pelaez ES Medina South District

School violence is violence that occurs in the school setting. It describes violent acts that disrupt learning and have a negative effect on students, schools, and the broader community.

School is the location where the violence occurs, not a type of violence.

All students have the right to learn in a safe school environment. The good news is school violence can be prevented. Many factors contribute to school violence. Preventing school violence requires addressing the factors that put people at risk for or protect them from violence. Research shows that prevention efforts by teachers, administrators, parents, community members, and even students can reduce violence and improve the school environment.

All schools work to prevent school violence and schools are very safe

places. Students, staff, and parents all have an important role in promoting school safety. Adults can provide leadership by reassuring students that schools are generally very safe places for children and youth and reiterating what safety measures and student supports are already in place in their schools.

In addition, A common way to reduce violence in schools is to implement stronger security measures, such as surveillance cameras, security systems, campus guards and metal detectors.

Surveillance cameras can be placed in hallways, classrooms and near doors to provide school safety personnel the ability to monitor unfamiliar faces, loitering guests and dangerous situations from afar.

Install security systems to control

building access. Restrict how people enter the school by assigning the main door as the only entrance point and locking all side doors from the exterior. Or, restrict when people enter the school by setting up an alarm that contacts local law enforcement if a door opens outside of regular school hours.

Employ security guards to patrol the school, parking lots, campus grounds and other common areas.

Security guards watch for suspicious behavior and can remove dangerous individuals from school grounds before they cause any harm.

Schools with weapon or gang violence issues may implement extreme security measures, such as metal detectors and routine bag searches, to deter students from behaving violently.

Pre-skills : Foundation for Future Learning JUVELYN BORRES GALINADA Teacher III Ampianga Elementary School DepEd Sugbongcogon District

Before the adoption of t h e K t o 1 2 B a s i c Education Curriculum, the Philippines was the last country in Southeast Asia and one of only three countries in the world to have a 10-year basic education system. The Philippine Kindergarten Curriculum Standard was introduced When Republic Act No. 10533, also known as the Enhanced Basic Education Act of 2013, was passed into law, the Philippine educational system under went a dramatic transformation in response to this global goal. It is a law that strengthens the Philippine Basic Education System's curriculum and extends the number of years for basic education.

In that order, it includes at least one (1) year of kindergarten, six (6) years of primar y school, and six (6) years of secondary e du c at i on . S e c on d a r y e du c at i on c ons i s t s of four years of junior high school and two years of senior high school. The "Kindergarten Education Act" (RA 10157), passed in 2012, strengthened the Kindergarten program.

Kindergarten is the first stage of compulsory and m and ate d for m a l education, according to the law. For children aged f ive, t he kindergar ten education program will consist of one year of preschool instruction (K to 12 Curriculum Guide - Kindergar ten 2012).

Before the adoption

of t h e K t o 1 2 B a s i c Education Curriculum, the Philippines was the last country in Southeast As i a and one of on ly three (3) countries in the world to have a 10-year basic education system (SEAMEO INNOTECH 2012).

Preprimary education is also accessible in the Philippines for children u nd e r t he age of s i x .

Students attend nursery school from the age of t h re e t o f i v e , a n d subsequently kindergarten.

These programs are available in most private schools, notably religious schools. There are several Montessori schools offering such learning.

Finally, children gain "pre-skills," which serve as a foundation for future learning. Preschoolers gain skills that help them learn to read, write, build math and science skills, and become successful students through their play, singing, and learning. The ultimate goal is to teach a child Language development, literacy, math, science, social studies, art, social development, and physical development.

10 BPI...

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EXTRAJUDICIAL SETTELMENT OF ESTATE OF DECEASED PERSON

the highest marks among Philippine banks in ESG ratings in 2021.

Strong Performance In t he s ame annu a l stockholders meeting, BPI Chair Jaime Augusto Zobel de Aya la ( JAZ A) note d the strong performance of the bank in 2021, when it delivered a net income of P23.88 billion, up 11.5% compared to 2020. The bank’s return on equity also improved to 8.40% from 7.70% the year before.

“O v e r a l l , w h i l e t h e pandemic brought unprecedented challenges, we believe that BPI has responded exceptionally wel l and has b e c ome a much stronger institution,” JAZA said in his message to shareholders.

He cited how, despite the hardships it created, the pandemic has led to several meaningful developments.

“For example, digitalization has unlocked new ways t o i nt e r a c t a n d a c c e s s pro du c t s an d s e r v i c e s , while greater sensitivity and empathy towards issu e s of sust ai nabi l it y and fair ness have b e en developed.”

He also obser ved positive signs of recovery taking place in the banking i n du s t r y. A f t e r a 2 . 8 % contraction in 2020,

KNOW ALL MEN BY THESE PRESENTS:

NOTICE

from page 4

to sustainability. Last year, it officially rolled out its Sustainability Agenda. As of end-2021, about 48% of t h e b an k’s p or t fol i o was tied to initiatives that contribute to the United Nations Sustainable Development Goals.

BPI is also the first and only Philippine bank to give a time-bound commitment to halve coal generation financing in its portfolio by 2026 and bring it down to zero by 2032. It also supports the Task Force on Climate-related Financial Disclosures (TCFD). BPI had also announced that it would no longer finance g re e n - f i e l d c o a l p owe r projects going for ward.

In addition, BPI pioneered the first energy transition financing (ETF) loan that would enable an existing coal plant to close 15 years ahead of its economic life.

These initiatives have d r aw n r e c o g n i t i o n f o r BPI in terms of economic, s o c i a l, and gove r nanc e (ESG) standards.

MSCI, S&P Global, and Sust ainalytics gave BPI

That the late MAXIMO G. JUMILLA died and in November 15, 2014 at CUMC Hospital, San Pedro, Gusa, Cagayan de Oro City, LUISA DACUTANAN JUMILLA also died and all died intestate leaving two (2) parcels of land with TCT No. T-39611 one (1) unit Residential House situated at Bugo, Cagayan de Oro City, containing an area of FIVE HUNDRED EIGHTY THREE (583) SQUARE METERS, more or less, and TCT No. T-15569 situated at Cagayan de Oro City, containing an area of SIXTEEN THOUSAND AND FIFTY (16,050) SQUARE METERS, more or less and has been the subject of an EXTRAJUDICIAL SETTELMENT OF ESTATE OF DECEASED PERSON, filed by the heirs of MAXIMO G. JUMILLA, per DOC #101; PAGE #22; BOOK #123; Series of 2014 under the Notarial Registry of ATTY. EMMANUEL A. AKUT.

Notice is hereby given that the intestate estate of the late JUDITH REMILLA (sometimes spelled as REMELLA) died intestate on January 19, 2022 at Cagayan de Oro City is the subject of the Extra Judicial Partition of Estate located at Cagayan de Oro City by and among the Heirs as per DOC #457; PAGE #92; BOOK #XXXV, Series of 2022 of Notary Public Oscar P. Musni, Roll of Attorneys No. 30311.

BWM: May 9, 16 & 23, 2022

EXTRAJUDICIAL SETTLEMENT OF ESTATE KNOW ALL MEN BY THESE PRESENTS:

That in June 26, 2012, at Cagayan de Oro City, LUSITO M. ANG, died intestate leaving a four (4) parcels of land & a building with Transfer Certificate of Title No. T-39896 situated at Barra, Opol, Province of Misamis Oriental, Island of Mindanao, containing an area of THREE HUNDRED ONE (301) Square Meters, more or less, Transfer Certificate of Title No. T-39895 situated at Barra, Opol, Province of Misamis Oriental, Island of Mindanao, containing an area of THREE HUNDRED ONE (301) Square Meters, more or less, Transfer Certificate of Title No. T-39899 situated at Barra, Opol, Province of Misamis Oriental, Island of Mindanao, containing an area of THREE HUNDRED TWENTY FOUR (324) Square Meters, more or less, Transfer Certificate of Title No. T-42018 situated at Barrio Bulua, Cagayan de Oro City, Island of Mindanao, containing an area of ONE HUNDRED EIGHTY FOUR (184) square meters, more or less, and has been the subject of an EXTRAJUDICIAL SETTLEMENT OF ESTATE OF DECEASED PERSON, filed by the heirs of LUSITO M. ANG, per DOC #91; PAGE #19; BOOK #45; Series of 2022 under the Notarial Registry of ATTY. ROWELL B. VALLEDOR.

That the late SPS. CARLOS M. CASTAÑOS and PERLA B. CASTAÑOS who died intestate on October 5, 1991 and August 28, 2012 at the time of their death left real properties with Transfer Certificate of Title No. T-107067 situated in the Barrio of Poblacion, City of Cagayan de Oro, Island of Mindanao, containing an area of EIGHTY ONE (81) Square Meters, more or less, Transfer Certificate of Title T-7370 situated at Adela Subd., Camaman-an, Cagayan de Oro City, containing an area of ONE HUNDRED NINETY FOUR (194) Square Meters, more or less, Transfer Certificate of Title No. T-9900 situated in the District of Carmen, City of Cagayan de Oro, Island of Mindanao, containing an area of ONE THOUSAND (1,000) Square Meters, more or less, Transfer Certificate of Title No. T-27169 situated in the Barrio of Kauswagan, City of Cagayan de Oro, Island of Mindanao, containing an area of THREE THOUSAND THREE HUNDRED NINETY EIGHT (3,398) Square Meters, more or less, Transfer Certificate of Title No. T-54729 situated in the Barrio of Gusa, City of Cagayan de Oro, Island of Mindanao, containing an area of THREE HUNDRED TEN (310) Square Meters, more or less, Transfer Certificate of Title No. T-54730 situated in the Barrio of Gusa, City of Cagayan de Oro, Island of Mindanao, containing an area of THREE HUNDRED FIFTY SEVEN, (357) Square Meters, more or less and has been the subject of an EXTRAJUDICIAL SETTLEMENT OF ESTATE, filed by the heirs of SPS. CARLOS M. CASTAÑOS and PERLA B. CASTAÑOS, per DOC #79; PAGE #16; BOOK #2; Series of 2021 under the Notarial Registry of ATTY. ANDREW REY P. DELA SERNA.

BWM: May 9, 16 & 23, 2022

BWM: May 9, 16 & 23, 2022

BWM: May 2, 9 & 16, 2022

EXTRAJUDICIAL SETTLEMENT OF ESTATE OF DECEASED PERSON KNOW ALL MEN BY THESE PRESENTS:

loan demand rebounded last year, posting a 4.1% growth.

“BPI aims to be a meaningful partner as we start our recovery from the COVID-19 pandemic and re-establish and reinforce the pillars that will once a g a i n p u t t h e c o u nt r y on the path to equitable progress,” JAZA said.

P I ’s t h r u s t : digitalization, customer obsession and sustainability The Bank of the Philippine Islands (BPI) recently held its annual stockholders with the theme of reinvention as the Ayalaled bank outlined a strategy focused on customer obsession, digitalization and sustainability.

BPI President and CEO Jose Teodoro “TG” K . L i m c a o c o tol d B PI stockholders that the bank “will continue to reinvent banking so that we can better serve the evolving n e e d s o f o u r c l i e n t s” and that “digitalization, customer obsession and sustainability remain to be our focus as we move forward to a post-pandemic environment.”

Digitalization Limcaoco reported that w h i l e m any c omp an i e s purposely reduced expenses during the pandemic, BPI spent nearly PHP 9 bi l l i on or ab out 9 % of total revenue in 2021 on technology, including new digital initiatives such as building and improving customer engagement platforms and onboarding new partners in its open banking business.

In October 2021, BPI announced plans to acquire and engage clients through seven customer e n g a g e m e nt p l at for m s , each specifically designed to fulfill the banking needs of a particular segment.

Five platforms—BPI Online, BPI Mobile, BPI Trade, BizLink, and BanKo app—are already available today, with two more slated for release this year.

B P I ’s ongoing digitalization journey continues to reinvent the customer interaction and experience. As of 2021, 4.9 million of its 8.46 million client base were enrolled i n d i g it a l chan nels . O f the number, 3.24 million were active, up 20% from the previous year. BPI also has a growing list of over 80 API partners covering nearly 800 products and s er vices, with over 100 mi l lion t rans ac t ions in 2021, a 75% growth from the previous year.

Customer Obsession Limcaoco reported that the BPI workforce also seeks to be “heroes for its customers” with a shift in mindset. In 2021, BPI c re ate d a ne w p o s it i on for a Chief Customer and Marketing Officer, whose j o b i s to put c u s tom e r needs first. The bank also launched a concise version of its Core Values wherein ever yone in the bank must be N.I.C.E, which touches on the need to be Nurturing, acting with Integrity, being Customer obsessed, and acting with Excellence.

BPI likewise strengthened its coverage of various client segments, by forming a consolidated consumer banking unit that focuses on providing relevant financial solutions to the retail market.

Corporate Banking continues to cater to large c or p or at i on s , B u s i n e s s Banking covers the small, and medium enterprises (SMEs), while Banko, it’s microfinance unit, looks after the s elf-employed micro entrepreneurs

REPUBLIC OF THE PHILIPPINES ) MUNICIPALITY OF TAGOLOAN ) SS.

(SEMEs).

Limcaoco acknowledged t h e r o l e o f B P I ’s 19,000-strong workforce i n d e l i ve r i ng e xc e l l e nt financial solutions a n d s e r v i c e t o c l i e nt s .

“They have stood by our customers throughout these challenging times, and they are ver y much the driving force behind the Bank we have become,” he said.

Limcaoco also gave due credit to his immediate predecessor, Cezar “Bong” P. Consing, who led BPI from 2013 to 2021. “Under him we made great leaps in our digital journey w it h out c omprom i s i n g the business values that define BPI. BPI is in a great p osit ion to d ay b e c aus e of t he for ward-lo ok ing decisions he made.”

Sustainability BPI also affirmed its longstanding commitment to sustainability. Last year, it officially rolled out its Sustainability Agenda. As of end-2021, about 48% of t he b an k’s p or t fol i o was tied to initiatives that contribute to the United Nations Sustainable Development Goals.

BPI is also the first and only Philippine bank to give a time-bound commitment to halve coal generation financing in its portfolio by 2026 and bring it down to zero by 2032. It also supports the Task Force on Climate-related Financial Disclosures (TCFD). BPI had also announced that it would no longer finance g re e n - f i e l d c o a l p owe r projects going for ward.

In addition, BPI pioneered the first energy transition financing (ETF) loan that would enable an existing coal plant to close 15 years ahead of its economic life.

These initiatives have d r aw n r e c o g n i t i o n f o r

BPI in terms of economic, s o c i a l, and gove r nanc e (ESG) standards.

MSCI, S&P Global, and Sustainalytics gave BPI the highest marks among Philippine banks in ESG ratings in 2021.

Strong Performance In t he s ame annu a l stockholders meeting, BPI Chair Jaime Augusto Zobel de Aya la ( JAZ A) note d the strong performance of the bank in 2021, when it delivered a net income of P23.88 billion, up 11.5% compared to 2020. The bank’s return on equity also improved to 8.40% from 7.70% the year before.

“O v e r a l l , w h i l e t h e pandemic brought unprecedented challenges, we believe that BPI has responded exceptionally wel l and has b e c ome a much stronger institution,” JAZA said in his message to shareholders.

He cited how, despite the hardships it created, the pandemic has led to several meaningful developments. “For e x ampl e, d i g it a l i z at i on has unlocked new ways t o i nt e r a c t a n d a c c e s s pro du c t s an d s e r v i c e s , while greater sensitivity and empathy towards issu e s of sust ai nabi l it y and fair ness have b e en developed.”

He also obser ved positive signs of recovery taking place in the banking i n du s t r y. A f t e r a 2 . 8 % contraction in 2020, loan demand rebounded last year, posting a 4.1% growth.

“BPI aims to be a meaningful partner as we start our recovery from the COVID-19 pandemic and re-establish and reinforce the pillars that will once a g a i n p u t t h e c o u nt r y on the path to equitable progress,” JAZA said.

REPUBLIC OF THE PHILIPPINES CITY/MUNICPALITY OF MARAWI

AFFIDAVIT OF SELF-ADJUDICATION

AFFIDAVIT OF SELF-ADJUDICATION

I, VEDEO E. LLENARES, JR., of legal age, widow, Filipino and a resident of Zone 7, Poblacion, Tagoloan, Misamis Oriental, after having been duly sworn in accordance with law, do hereby depose and say:

I, HADJA MAIMONA DOMAUB of legal age, Filipino with postal and residence address at KIAN, MARANTAO LANAO SUR respectfully state, that: 1. I am the only surviving legal heir of the late MASCARA DOMAUB who died intestate on January 3, 2022 at APMC, Brgy.

Datu Sabor, Marawi City without leaving any indebtedness; 2. The late MASCARA DOMAUB left the following properties

a) Deposit account/s with the LAND BANK OF THE PHILIPPINES

under account number 1261-2382-56

b) (indicate other properties if any);

That I am the husband of PLARIDEL A. LLENARES, who died without any last will and testament last September 9, 2017 in Bacarra, Ilocos Norte as evidenced by her Death Certificate hereto attached as Annex “A” and made an integral part of this Affidavit; That at the time of her death, my wife had no debts, liabilities or obligations to any persons, agency or institution; That my deceased wife maintained and left a Savings Account with BDO-Hayes Branch, Cagayan de Oro City under an Account Number 6350106872; That pursuant to Rule 74 Sec. 1 of the Rules of Court, I hereby adjudicate unto myself the above described Bank Account by means of this Affidavit and hereby files the same with BDO-Hayes Branch, Cagayan de Oro City with the request that the said adjudication be made effective within judicial proceeding as prescribed by the above mentioned provision of the Rules of Court.

IN WITNESS WHEREOF, I have hereunto set my hands this 26th day of April 2022, in Poblacion, Tagoloan, Misamis Oriental.

3. Pursuant to Rule 74, Section 1 of the Rules of Court, I hereby adjudicate unto myself the above-described deposit account/s and properties without judicial proceedings as prescribed by the aforementioned Rules of Court.

IN WITNESS WHEREOF, I have hereunto affixed my signature this _____________ at _______________

SUBSCRIBE AND SWORN to before me this 26th day of April 2022 at Tagoloan, Misamis Oriental, Philippines, affiant exhibited to me his identifying document with his signature and photograph appearing therein and his I.D. number indicated below his name above.

BWM: May 2, 9 & 16, 2022

BWM: May 2, 9 & 16, 2022

11

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Romualdo... from page 1

assemblyman and Misamis Oriental governor Homobono Adaza.

The governor’s other son, Yñigo Jesus won his reelection bid as mayor of Mambajao.

Protest... from page 1

to the canvassing and even anoma l i e s c onst itut i ng election offense. Doon po tayo pumunta (we should go there),” he added.

Laudiangco also urged the public to get electionrelated information only from reliable sources and watchdogs such as t he Parish Pastoral Council for Responsible Voting, Legal Ne t w o r k Fo r Tr u t h f u l Elections-Philippines, media outlets, and even the OCTA Research group.

“We have trusted the OCTA Research Group on their statements during the pandemic, I think they’ve earned the right to be trusted on their statements in relation to elections,” Laudiangco said, partly in Filipino.

The public must also rely on data themselves instead of relying on hearsay.

“Please get your information from credible sources,” he said.

On Tuesday or the day after the May 9 national and local elections, several groups gathered outside the Comelec office in Intramuros, Manila, and Liwasang Bonifacio outside the Manila Central Post Office to protest alleged cheating. (PNA)

Results... from page 1

immediately addressed the concern,” Olaivar said.

Olaivar noted that the region had generally peaceful conduct of elections despite the problem in Munai town.

In Misamis Oriental, Col. Raniel Valones, the provincial police chief, said they recorded 11 electionrelated arrests made during the May 9 polls.

Va l o n e s s a i d 1 , 6 4 6 personnel were deployed in the province, utilizing 57 mobile patrols, 59 issued motorcycles, and 13 personal motorcycles.

Lt. Col. Ricky Canatoy, the Army's 58th Infantry Battalion commander, said while they focused on the conflict-affected areas in Misamis Oriental, they also conducted mobile patrol rounds before, during, and after the election in their area of responsibility.

“We planned everything from the start to ensure that our area would have a peaceful election, and we succeeded through our collaborative efforts with other agencies and institutions,” he said in a statement.

Failure of elections in Lanao Sur Meanwhile, 15 barangays in Tubaran, Lanao del Sur were declared by Comelec to have a "failure of elections.”

Brig. Gen. Jose Maria Cuerpo 11, the Army’s 103rd Infantry Brigade commander, said such a declaration was

due to discussions between specific candidates and the town election officer as to how elections should take place in the voting areas.

Cuerpo said the concern has resulted in a misunderstanding and voters were not able to cast their votes in the affected polling centers.

Lawyer Joyce Moran, the provincial election supervisor, confirmed Cuerpo's statement but maintained that Comelec will still conduct further verification on the matter.

Tubaran town has earlier been declared one of the four areas in Lanao del Sur province placed under Comelec control.

The three other areas were Marawi City and the municipalities of Maguing and Malabang. (With a report from Nef Luczon/PNA)

Spree... from page 1

selling their votes to the local candidates in their province stormed Gaisano Grand Mall, Gaisano Capital and Davao Central Warehouse on May 10 and 11.

Chris Panganiban, Jr., son of this writer who is a salesman of a mobile phone store at Gaisano Grand, said they sold at least 180 units of Vivo and Real Me brands for two straight days after election day on May 9.

Panganiban Jr. said that other stores in the mall, including stalls at the aisles, also experienced brisk sales that most of them ran out of stocks.

Other mobile phone stores at the Gaisano Capital, Davao Central Warehouse and at the town center also enjoyed big sales.

Most of these brands are sold at P6,000 to P7,000 per unit.

Other commercial establishments, including restaurants at the public market, were also jampacked by people with money that purportedly came from the proceeds of their votes.

Toto Banas, a meat store owner at the public market, said all their meat supplies were already sold out by noon the day after the May 9 elections.

Ma c a r i o A n g e l i a , a resident in Lianga town, said the rival camps in the province were separately buying votes at P2,500 to P3,500 for each voter who, according to him, had a “grand time getting the money left and right.”

Some candidates had been

even giving P500 for each voter as a catch up on election day to make sure they will win, he added.

R e e l e c t i o n i s t G o v.

A lexander Pimentel of Hugpong Surigao defeated Cantilan Mayor Carla Pichay, 195,606 against 159,746 votes.

Carla is the wife of reelectionist First District R e p. P ro s p e ro P i c h ay, who lost to Construction Workers Solidarity partylist Rep. Romeo Momo. Momo obtained 106,907 votes while Pichay gathered 97,783.

In the second c on g re s s i on a l d i s t r i c t , reelectionist Rep. Johnny Pimentel trounced Edmund Estrella. Pimentel got 110,852 votes while Estrella only garnered 35,136 votes.

will proactively respond to as the year progresses,” Soesanto said.

Teo said the availability of sh ippi ng c ont ai ne rs due to pandemic-related restrictions in China is dragging the company’s international business.

“O u r pro du c t s have momentum just before the shipping container crisis happened, and we expect to be able to pick up where we left off once the crisis is done. O ur domest ic business, which is part of the international though, is doing quite well. It’s growing and it’s growing through share growth,” Teo said. “But we like to see these smaller businesses become a growth driver for us.” (PNA)

whose consciousness is rooted in the Being, that is, with the sublime as exemplified by Atty.

Remedios Galutera Guiab.

That is what is called the transcendental dimension where one’s life is consigned to the will of God and not to the craving of the body that is addicted to fame, wealth or power. When rooted with the eternal Being, a higher intelligence sets-in to guide the transformative leaders who are unfettered from the egoic mind to establish a new earth. Such was the kind of transformative leadership of Atty. Remedios Guiab for people, planet, prosperity and peace. To Tita RemeDIOS, our firm salute and warm embrace!

from page 2

from page 4

from page 5

Capabilities...

patrol crafts to those with large coastlines. It includes the Port of Davao or Collection District 12," he said.

Austria added that the partnership between BOC and other law enforcement agencies remains very strong and that they have set the standards for every other collection district nationwide.

"Today we mark another milestone in BOC's journey towards becoming a worldclass customs administration that is among the world’s best," he said. (PNA)

Candidates... from page 2

Alexander Pimentel, Vice Governor Mangi Alameda, 2nd district Rep. Johnny Pimentel, and 1st district Rep. Romeo Momo were also proclaimed on Wednesday.

In Agusan del Sur, the Comelec also proclaimed reelectionist Governor Santiago Cane Jr., Vice Governor Sammy Tortor, 1st district Congressman Alfel Bascug, and 2nd district Congressman Eddiebong Plaza, as duly elected officials.

In this city, reelectionist Mayor R on n ie Vice nte Lagnada, elected Vice Mayor Lawrence Fortun, and the 10 winning members of the local council were proclaimed on Wednesday by Comelec.

(PNA)

Food... from page 3

an d re m ai n opt i m i s t i c about the continuation of the growth we are seeing, commodity inflation remains a concern for our APAC BFB (Asia-Pacific Branded Food and Beverage) business and it is something that we

Kagay-an Festival 1st Oro Lechoneros Encuentro Champion

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09354145759 09169249371

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going to die in only a few weeks, you would grab tight to the people you love! And if you were alone, you would look fast for someone to love so you would not die alone! A popular song puts it this way: “Your prison is walking through this world all alone…Your pain and your hunger they’re driving you home…Why don’t you come to your senses? It may be rainin’ but there’s a rainbow above you. You better let somebody love you before it’s too late.”

Won’t you open your heart and ask the One Who gave you life and Who is love itself to come into your heart and fill that emptiness that only He can fill? Jesus promises He will never leave you alone or lonely. Just think a minute.

Empower... from page 4

institutions, all universities and even of religious groups amidst religious apathy and morale collapse, there was a leader who was so passionate to promote sustainability, inclusive growth and ecological integrity as the Earth is now in a state of planetar y emergenc y as the doomsday clock has already been set at one minute before midnight.

In a world buried deeply in unbridled materialism and consumerism, where there is so much denigration of spirituality, we need t r a n s f or m at i v e l e a d e r s

Online...

inclusion in the country, in line with our expanded mandate of ser ving the nation,” said LANDBANK President and Chief Executive Officer Cecilia C. Borromeo.

Ms. Borromeo reminded customers to remain vigilant against online banking fraud and scams.

“With the continuous increase in the use of digital b an k i ng c h an n e l s , t h e state-run bank assures its customers that it maintains the highest level of security in all its systems,” she added.

LANDBANK’s net income in the first three months of 2022 soared by 141% year on year to P13.2 billion from P5.48 billion due to a onetime gain following its merger with United Coconut Planters Bank as well as higher interest income from loans and investments.

Policy... from page 5

to suspend the rice tariffication law, the report said “this could curb rice imports and push up the cost of rice.”

“Amending the law could also hurt tax revenue. The low tax take is a credit weakness for the Philippines, and when we affirmed the rating in February, we noted that a reversal of tax reforms that leads to sustained higher fiscal deficits could result in a rating downgrade,” it said.

A better assessment of the incoming government’s policy agenda will be made once

members of the new Cabinet, especially the economic team, have been finalized, it added.

“The incoming president’s c ap a c it y to i mpl e me nt legislation will also hinge on dynamics within the new Congress. Results of the congressional elections have yet to be confirmed, but we anticipate that the body will not pose a major obstacle to the eventual passage of the president’s legislative agenda,” the report said.

It continues to expect external buffers to be the economy’s credit strength “despite a modest weakening of the peso and rising pressure on the goods trade balance in recent months amid higher global energy prices.”

“A gradual reopening of the economy to tourists in the wake of the pandemic should support the country’s external position this year and official reserve assets stood at a comfortable USD107 billion at end-April 2022, only slightly down from USD109 billion at end-2021,” it added.

(PNA) EXTRA-JUDICIAL SETTLEMENT OF ESTATE W/ DEED OF SALE KNOW ALL MEN BY THESE PRESENTS: That the late BERTOLDO CABACTULAN who died intestate on _____________ respectively and CATALINA A. CABACTULAN who died intestate on _________ respectively without leaving any last Will and Testament, at Cagayan de Oro City; at the time of his demise, left behind personal properties and real properties with TCT No. T-94248 situated in the Barrio of Kauswagan, City of Cagayan de Oro, Island of Mindanao, containing an area of TWO HUNDRED TWENTY NINE (229) square meters, more or less and has been the subject of an EXTRA-JUDICIAL SETTLEMENT OF ESTATE W/ DEED OF SALE, filed by the heirs of BERTOLDO CABACTULAN and CATALINA A. CABACTULAN, in favor of RONIE C. JAURIGUE and ALYN S. JAURIGUE, per DOC #12; PAGE #3; BOOK #69; Series of 2021 under the Notarial Registry of ATTY. ODILON A. APOLINARIO. BWM: May 16, 23 & 30, 2022

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Globe fetes Alex Eala on 2nd pro-title, sends off tennis sensation to SEA Games

F

ILIPINA tennis sensation and Globe ambassador Alex Eala received a warm welcome at the company’s headquarters in Taguig City on Wednesday, May 4, as she visited Globe leaders and employees ahead of her Southeast Asian Games medal bid.

Eala, with parents Mike Eala and Rizza Maniego-Eala, Globe CFO, paid a courtesy call on Globe President and CEO Ernest Cu, who conveyed his congratulations for Eala’s latest win.

Eala had clinched her second pro title at the International Tennis Federation (ITF) W25 Chiang Rai in April, a stellar followup to her victory at the W15 Manacor in Spain in 2021.

“We are very proud of Alex, our Globe Ambassador, on her victory as she continues to bring glory to the country. She truly embodies our values of perseverance, the will to win, and the drive to continuously get stronger and better,” Cu said.

“We send her off to the SEA Games with our wishes for

another victory. The Globe Group is behind her all the way and will be cheering for her as she takes the Philippine flag and the Globe brand to the tennis court,” he said.

During her visit, Eala also met with Globe employees who excitedly welcomed her at The Globe Tower, the first ambassador to visit the Globe HQ since return-to-office took effect in April.

“It felt like a homecoming. It was great to meet with the Globe leaders and employees a few days before I head to the SEA Games.

I’ll bring this great energy with me. Thank you Globe for the constant support throughout my career!” Eala said.

Eala has been a Globe ambassador since age 8, getting the corporation’s support since her early days competing in tennis tournaments. The 16-yearold tennis ace has since gone on to reap several championships, including the 2021 French Open Juniors Doubles tournament and the Australian Open Girls’ Doubles in 2020.

Filipina tennis sensation and Globe Ambassador Alex Eala (fourth from left) paid a visit at the Globe headquarters in Taguig City on Wednesday, May 4, and met with leaders and employees. In the photo are (from left) her parents Mike Eala and Rizza Maniego-Eala, Globe CFO; Ernest Cu, Globe President and CEO; and Ato Jiao, Globe Chief Human Resource Officer.