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2 BIKOL REPORTER OPINION NOVEMBER 5-11, 2017
(Atty. APA – chairs Acyatan & Co., reasonably profitable with a Return on the government’s National Greening
CPAs-DFK International – is past chair Equity of 10%. With a capital adequacy Program. The revelation was made
of ASEAN Federation of CPAs, PICPA ratio of 16% on consolidated basis by the MWSS chief as he addressed
past president and Hall-of-Famer, which is more than 15.1% two quarters the delegates to the Philwater 2017
Balangay Legazpi
and ACPAPP Lifetime Achievement ago. This development indicate the Conference in Bohol organized by the
Awardee). relatively improved credibility of our Philippine Waterworks Association
PH FINANCIALS STRENGTHEN: (PWWA) - “Shared Water Resources
bags best climate
banking system.
The Philippines’ financial system It likewise means our banks have in River Basins for Sustainable
continues to maintain strong reserves sufficient buffer for their liquidity Management and Development”.
practices 2017 award underpinned by sustained credit growth
with operating banks having sufficient
requirement from a “level 1” high-
quality liquid assets. “This is high
MARAWI REHAB: The physical
damage to the public and private
capital and asset quality as of the first quality, common equity Tier 1 capital infrastructures in the now liberated
LEGAZPI CITY, PHL – down 19 finalists before the se-
semester 2017. BSP data show that support for our banking system,” Gov. City of Marawi is so huge that the
The International Center for lection of the winning entry.
banks and the entire financial sector Espenilla explained. All these numbers Philippine government cannot fund
Climate Governance (ICCG) The result of the Best Cli-
announced Balangay Le- mate Practices 2017 was an- have accumulated buffers, have set bring the domestic banking system in strictly on its own. Yes – we need
gazpi as the winner of the nounced during the Internation- aside enough loan loss provisions and a position of strength that will enable the full support of the world – similar
Best Climate Practices 2017 al Day for Disaster Reduction. liquidity which serve as early defenses it to meet the funding requirement to what we needed for the victims of
Award on October 13, 2017. Held every October 13, the against external shocks! of a growing economy, even as Typhoon Yolanda. If I am allowed to
Balangay Legazpi is a celebration raises awareness According to BSP Gov. Nestor safeguards and buffers against risks advise our president RRD – he should
cloud-based mobile and web about effective actions, policies Espenilla Jr., the NP/L ratios of banks are adequately maintained. Hurray – be more prudent and considerate in
application developed by the and practices taken to reduce have consistently registered a declining we are economically healthy! his tirades against affluent Euro and
Legazpi City Government and exposure of communities to trend. Our banks today are very WATERSHED PROTECTION: North America.
Layertech Software Labs. The disaster risk across the world. prudently maintaining their adequate MWSS Administrator Reynaldo V. The estimates of how soon
disaster information system A representative of the Balan- allowance for expected credit losses. Velasco has stressed the urgent need the rehabilitation of the industrial,
connects vulnerable communi- gay Legazpi team will deliver Their loan loss provisioning today to protect our country’s forest cover commercial and residential aeras
ties and other sectors to infor- an acceptance speech and pres- compared with the gross NPL, or the and to protect our watersheds for water in Marawi City widely vary. But the
mation that can help save lives ent the project via video con- net NPL ratio is actually - 0.3%. This full quantification of the budgets
security and sustainable development.
before and during disasters. ference during the Conference
means the banking sector have more He called on all major stakeholders involved here are surely huge and
The application prepares fami- of the Parties (COP 23) in the
than enough allowance for credit losses from both government and private gargantuan. That is why we have to
lies for earthquakes, floods and Bonn 2017 United Nations
typhoons through access to Climate Change Conference in amounting to P11.6 B as of end-June sector to pool their resources together be bowed an humble as we accept
announcements, hazard maps, early November 2017. resulting in improved NPL coverage for enhanced watershed protection foreign aid from all donors. What we
guides to preparedness and Balangay Legazpi previ- ratio of 114%. Our banks are mostly and management. He added that the must assure them is that all financial
hotlines of agencies related to ously won the 2015 Global credible. country’s forest cover within forestland succor will be fully accounted for.
disaster preparedness and re- Innovation Competition and CAPITAL STRENGTH: BSP data is now only 51.2%. The government should be at arms-
sponse. received a grant from the Mak- also show that banks have earned a Of this, 8.08% hectarages remain length position (and fully auditable)
The disaster information ing All Voices Count for its net income of P81.3 B for the semester as forestlands which means these in these situation. Cuentas claras,
dissemination tool was de- development. The application while capital stock through capital areas have not yet been forested – amigos!
signed to capture the interest was also recognized with the raising aggregated to P78B. Bank while 48.8% comprise 38.6% (6.10M PROVERB: An inheritance may
of the younger generation or Best in Customer Empower- capitalization is supportive of the has.) forested and 10.2% (1.61M be gotten hastily in the beginning; but
millennials, tapping into their ment Award at the 2016 eGOV industry’s growth trajectory. Banks are has.) are new forest, a benefit from the end thereof shall not be blessed.
interest of building a real-time Awards of the National ICT
EFFICIENCY PLANNERS
Participants and organizers of the Energy Utilization Management Bureau's Strategic Planning Workshop (SPW) in a unity
photo after their culmination activity in Tagaytay on setting programs and projects for the country's effective utilization of
energy. The event aims to further align EUMB’s plans and projects with the DOE’s direction for 2017 to 2040.
The quality
of your life By CATHERINE TEVES
depends on
how you love MANILA - Is it 'imahe' ment offices will hasten great- ing in Filipino, KWF said. Several previous KWF-
the things or 'imahen?' 'Dyaryo' or er understanding and appre- Del Ayre said programmers led fora highlighted Filipino's
you do and 'diyaryo?' ciation among the people of from National University of- versatility by featuring experts
how you do Komisyon sa Wikang Fili- government programs, proj- fered helping KWF develop who use this language when
the things pino (KWF) is developing a ects and activities throughout a spellchecker software for teaching technical subjects re-
you love. software that aims to help ad- the country, thereby serving Filipino. lated to their fields.
dress misspelling of words in as an instruments of unity and They proposed the matter Those fields include medi-
Kill the stress Filipino, the country's national peace for national progress," to KWF, she noted. cine, engineering and informa-
before it language. notes EO 335. "It's KWF's mandate to tion technology, noted KWF.
kills you.
Targeted for launching in Such EO supports the 1987 promote Filipino and other KWF continues urging the
2018, KWF's first spellcheck- Constitution which set Filipi- Philippine languages so our academe to increasingly use
Reach the
er software will operate much no as the Philippines' national agency accepted their propos- Filipino and other local lan-
goal before
it kicks you. like Microsoft Word's own by language. al," she said. guages nationwide, believing
alerting people about wrong "Subject to provisions of KWF continues exploring doing so will help improve the
+*Help everyone spelling of Filipino words law and as the Congress may ways of further carrying out learning process.
before someone they type on computers and deem appropriate, the Gov- such mandate, she clarified, Earlier, KWF identified
helps you and providing the correct spelling ernment shall take steps to however. the Philippines' eight major
live life before for these. initiate and sustain the use of Among KWF's activities languages as Bikol, Ilokano,
life leaves you. "It's part of our campaign Filipino as a medium of of- is translating various reading Hiligaynon, Pampanggo, Pan-
to promote use of Filipino," ficial communication and as materials into Filipino and gasinan, Sebwano, Tagalog
****** said KWF language research- language of instruction in the other languages in the coun- and Waray. -PNA
(Turn to page 6) er Jeslie del Ayre who's in- educational system," the Con- try.
volved in development of the stitution also read.
software. According to del Ayre, the SECURITY TIGHTENED . . .
Sunday Gospel: Mt 23:1-12 - She said KWF targets mak- spellchecker software is based Mayon tour is being held. two tour guides would be
ing such software available to on KWF's orthographic rules Supt. Eymaro Gomez, assigned to man every four
Then Jesus said to the crowds and to his disciples, “The the public for free. for the Filipino language. City Chief of Police, assured tourists engaged in ATV trail
teachers of the law and the Pharisees have sat down on the
"We also plan installing She said KWF already has the public that security pro- tours.
chair of Moses. So you shall do and observe all they say;
but do not do as they do, for they do not do what they say.
the software in national and a prototype of the software. tocols are being implement- An ATV tour cruises a
They tie up heavy burdens and load them on the shoulders local government offices na- "We're testing that proto- ed. 2-kilometer trail that starts
of the people, but they do not even lift a finger to move tionwide for use in respective type to improve it further," He added that there are in Barangay Pawa and ends
them. They do everything in order to be seen by people: official communication, trans- she said. presently six tourism cops at the Mayon Lava wall in
they wear very wide bands of the law around their fore- actions and correspondence," Orthographic rules for the trained to handle tourist Barangay Mabinit, almost
heads, and robes with large tassels. They enjoy the first she noted. Filipino language underwent visitors, and are deployed in the height of a four-story
places at feasts and the best seats in the synagogues, and EO 335 series of 1988 en- reforms over the years, noted tourist areas in the city. building.
they like being greeted in the marketplace, and being called joins all government offices KWF. Operators agreed to set up There are three opera-
‘Master‘ by the people.
nationwide to take steps that'll The latest reforms are CCTVs including a drone as tors managing the ATV tour
But you, do not let yourselves be called Master, because
you have only one Master, and all of you are brothers and
enhance use of Filipino in included in 'Ortograpiyang an additional security mea- in this city while nine op-
sisters. Neither should you call anyone on earth Father, such undertakings. Pambansa' which KWF pub- sure to protect tourists while erators man the ATV opera-
because you have only one Father, he who is in heaven. "Intensified use of Filipino lished in 2013. on ATV trail ride along May- tions at the Cagsawa ruins
Nor should you be called Leader, because Christ is the only language in official transac- Orthography is an impor- on Volcano. compound in Daraga town.
Leader for you. Let the greatest among you be the servant tions, communications and tant tool for effectively teach- Operators also vowed to -PNA/Mar Serrano
of all. For whoever makes himself great shall be humbled, correspondence in govern- ing correct writing and read- adopt a 2-4 ratio, wherein
and whoever humbles himself shall be made great.
REFLECTION:
Read: The prophet denounces cheating, violence, be-
trayal, and defilement of the Covenant. On the contrary,
Paul reveals his commitment to the Gospel, his readiness
to give up life for it. Jesus criticizes the mismatch between
the words and the acts of spiritual leaders.
Reflect: It is only in God the word and the deed are per-
fectly identical. What God utters, is. In our human lives, we
often struggle with the mismatch of our words and deeds.
Whether in marriage or priesthood or religious life, we sol-
emnly profess vows and commitment, but in living them, we
may fail in varying degrees. However, we shall not be found
wanting in our sincere desire and effort to match our words
with deeds. God, who sees the heart, will be the judge of
our authenticity.
Pray: Pray for those who are in leadership roles in the
Church, that their lives may match what they preach, and
thereby glorify God.
Act: Recite a decade of the Rosary for the leaders of the
Church. – Claretian Communications Foundation, Inc.
NOVEMBER 5-11, 2017 BUSINESS SECTION BIKOL REPORTER 5
A FUN- FILLED DAY FOR THE DOG LOVERS SYLRANJELVIC VILLAFLOR I CEPPIO
Pet dogs and their owners enjoyed a variety of activities with their pets last top breed way. Other services and activities include vaccination and deworming,
Saturday morning (Oct. 28) at the Naga City Hall, getting it straight from the games, raffle and special awards, sponsored by one of the dog meal distributors
renowned veterinarian, Doc Nielsen Donato, some tips on great pet care, the in the country.
6 BIKOL REPORTER NOVEMBER 5-11, 2017
World’s largest wildlife conference ends on high note for host country Philippines
The 12th Meeting of Con- lutions it had drafted. ry wildlife species in achieving 28, were the Philippine-drafted Species; Promoting Marine Meanwhile, Lim said the
ference of the Parties to the These include the five reso- global sustainable development resolutions on the Designation Protected Area Networks in the BMB will propose to DENR
Convention on the Conserva- lutions providing greater pro- goals, also known as the “Ma- of the Whale Shark for Con- ASEAN Region, and Establish- Secretary Roy A. Cimatu to pri-
tion of Migratory Species of tection for the whale shark or nila Declaration.” certed Actions; Sustainable ing a COP Presidency. oritize research on five migra-
Wild Animals (CMS-COP12) butanding and four other mi- Also adopted during the Tourism and Migratory Spe- Director Theresa Mundita tory species that are subjects of
ended on a high note for the gratory species frequenting the CMS-COP12, held at the Phil- cies; Promoting Conservation Lim of the Biodiversity Man- the Philippine resolutions ad-
host country, the Philippines, Philippines, and the resolution ippine International Conven- of Critical Intertidal and other agement Bureau (BMB) said opted during CMS-COP12.
with the adoption of 11 reso- recognizing the role of migrato- tion Center from October 23 to Coastal Habitats for Migratory the Philippine government, par- “We have to generate base-
ticularly the Department of En- line information where these
FOR OCTOBER
NAME OF DECEASED DATE OF INTERMENT