BAIPHIL’s White Christmas Party Group Photo

President’s Christmas Message My fellow BAIPHIL Directors, Officers and members, Christmas is my favourite time of the year and I am sure, this is also true for most, if not for everyone else here in this gathering. Christmas is not only the season of magic, love, and joy but also of people being busy, stressed out, harassed and guilty of overspending! But no one is complaining!

Do you often wonder why despite the above, we still look forward to this season with great anticipation and enthusiasm? Let me tell you why! Christmas is …

IRENE DL. ARROYO BAIPHIL President FY 2017-2018

1. A time of sharing and gift giving! There is always excitement and glee in the eyes of both the young and old in opening their Christmas presents. Gifts are the physical representations of love we would like to express and share to friends and kins. 2. A time for greetings and visiting! Friends and relatives, old acquaintances, near or far, business colleagues gather and / or greet each other with sincere wishes for God’s blessings and good tidings. It is the time to appreciate ones loved we often take for granted. 3. A time for music and singing! The air is filled with festive Christmas carols and the mood surely brings lightness to our hearts and also to our feet to dance with the quick beat. 4. A time for remembering the good old days, memories of carefree childhood days, days of playful fun, youthful adventures, field trips, soirees, crushes and puppy loves. Really it is a time for reminiscing wonderful memories. 5. A time for family bonding and celebration. Sacred are Christmas Days and New Year’s eve where we all gather and reunite in one table to partake of the good food that our mothers have lovingly prepared, together with the usual noche Buena staples of ham, cheese and wine! 6. A time for rushing to buy gifts, clean the house, decorate the home, prepare food, buy party dresses, attend happy occasions, and of course, wrap up job targets for the year, etc. Continued on Page 2

President’s Christmas Message (continuation) 7. But it is also a time for peace and solitude. Time to slow down, enjoy the simple things, reflect inside on what has transpired during the past year, good or bad; to quiet ourselves and hear the whisper of nature and the voice of our conscience; enjoy the smell of the flowers in our garden and breath fresh mountain air. A time to take in the serene moments spent with our loved ones. 8. A time for Faith, Hope and Love; time to reflect on the three great virtues that make up our Christian lives. We light candles as a sign of prayer for forgiveness and promise of a better self. 9. Most of all, Christmas is the time to give thanks for all the blessings for God is still with us and working daily miracles in our lives! Now, we ask ourselves, “Do we really need to crunch all of these in only one season during the year?” If they feel good, do good, and make us good, what is keeping us from doing them every time, every day, all the time! The glory and beauty of this wonderful season is something we can share together as a BAIPHIL family. May the sparkle of Christmas shine on you and your loved ones and may you feel the happiness not only this season but year round!

BAIPHIL White Christmas

Poolside Pavilion, Dusit Thani Hotel, Makati City 29 November 2017

Mr. Norberto Nabong and Mr. Marilou Prudente as EMCEES

Christmas Greetings from BAIPHIL President Ms. Irene Arroyo

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BAIPHIL White Christmas

Poolside Pavilion, Dusit Thani Hotel, Makati City 29 November 2017

BAIPHIL Members in Attendance

Special Song Number from Mr. Brendan Barcena

Special Song Number from BAIPHIL Board of Directors and Sports & Fellowship Committee Members

Fellowship Games

Musicaledad Band

Special Dance Number from Ms. Tess Dean and Tess Andres

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BAIPHIL White Christmas

Poolside Pavilion, Dusit Thani Hotel, Makati City 29 November 2017

BAIPHIL Members Dancing and Grooving

Mr. Ricardo Lirio and Ms. Ma. Salome Panzo as Stars of the Night

Mr. Heubert Motio of the BAIPHIL Secretariat Won the Major Raffle Prize

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ASEAN Banking Council Meeting

THE 47TH ASEAN BANKING COUNCIL MEETING ATTENDANCE OF PDIC VP Irene DL. Arroyo, as President of the Bankers Institute of the Philippines (BAIPHIL), held on November 23-24, 2017 in Da Nang City, Vietnam The 47th ASEAN Banking Council Meeting, hosted by the Vietnam Banks Association (VNBA), was attended by some 200 delegates consisting of senior banking executives and officials from banking academies from the 10 member countries of ASEAN as well as subject matter experts from the International Finance Corporation (IFC).

ASEAN Secretary General Le Luong delivered the keynote address which traced the historical transformative success of ASEAN since 50 years ago and how it has grown to be an economic entity capable of forging a strong path to expand its potential as a significant and influential global player. With a current combined Gross Domestic Product ( GDP) of US$2.6 trillion, and a combined population of 640 million people, accounting for 7% of global trade in 2016, ASEAN now ranks as the world’s 6th largest economy.

Part of Mr. Luong’s speech was the ASEAN Economic Cooperation (AEC) Blueprint 2025, successor of the AEC 2015, which contained the ASEAN Strategic Action Plan 2016-2025 in terms of the three key pillars, as follows: 1. Financial integration – guided by the ASEAN Banking Integration Framework (ABIF); 2. Financial inclusion – guidelines contained in the ASEAN Financial Inclusion Framework; and 3. Financial stability He underscored that the key enabler for all of the above are the initiatives in the area of digital financial inclusion, i.e., FinTech and digitalization. The association is developing the Guidance Notes on Digital Financial Services that will be used as a reference for ASEAN Member states to develop or enhance their digital financial ecosystem at the national level. The Guidance Notes are deemed essential aid in crafting regulatory measures for digital financial services in response to the emergence of financial innovation and digitalization in the ASEAN financial milieu. Continued on Page 6

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ASEAN Banking Council Meeting (continuation) Citing the ASEAN’s various achievements in the past, it lends no doubt that the ASEAN is resolute and committed to pursue deeper economic regional cooperation where financial integration has been the key factor in supporting the transformation process. Another speaker, Madame Nguyen Thi Hong, Deputy Governor of the State Bank of Vietnam exhorted the ASEAN banks to continue to consolidate their resolve to further enhance financial integration and forge effective linkages with the private sector in terms of trade, investment and people. The banks’ role in as “the bridge connecting the economies for enhancing sustainable growth and broadening financial inclusion across all sectors of the economy through the use of FinTech” cannot be overemphasized. The third speaker was the Chairman of VNBA and CEO of the Bank for Investment and Development of Vietnam (BIDV) Mr. Phan Duc who also stressed the need for the member states to work together to achieve the common objectives of the ASEAN Bankers Association. According to him, fostering cooperation, exchanging of experiences, and addressing regional banking issues during this year’s Council meeting will bring good opportunities to connect in the field of banking and finance. As Chairman of the ASEAN Bankers Association (ABA), Mr. Farid Rahman of the Indonesian Banks Association (PERBANAS) noted the headways in terms of financial development, anchored on the principles of inclusiveness, transparency and reciprocity for all the SEAN people. The ABIF, agreement between Malaysia and the Philippines on the matter of Qualified ASEAN Banks (QAB) has recently been signed. Another segment of the Council Meeting dealt on the presentation on the global macroeconomic and banking sector outlook in the Asia Pacific by Mr. Gene Fang of Moody’s who sees “a broadening emerging markets recovery and stable growth in advanced economies through 2019. Key credit factors for ASAN Banking systems are likewise generally stable while it was noted that the outlook for the Vietnam banking environment is positive.

The ASEAN Banking Council meets every year and regular reports from its three permanent committees namely, the Cooperation in Finance, Investment and Trade (COFIT), the ASEAN Inter-Regional Relations (IRR), and Banking Education Committee are received. The undersigned as BAIPHIL President attended the Banking Education Committee which is chaired by the Bankers Association of the Philippines (BAP) represented by the BAP Chairman on Bank Education, Mr. Roberto C. Banares (President and CEO of the Bank of Commerce). The committee agreed to create a clearing house of the ideas to exchange and share training/certification programmes and to inform each other one’s training requirements. Likewise, sharing of publications and emerging trends in the industry are among the items agreed upon. The ABA Chairmanship for 2018 was handed over to the Lao Bankers Association (LBA) represented by Mr. Phroukhong Chanthachack. The 2018 48th ABA Council Meeting will be held in Brunei Darussalam and to be hosted by the Brunei Association of Banks (BAB).

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

BAIPHIL STREET DANCE CHALLENGE SEASON 2, A BIG SUCCESS By Teresita S. Galvadores The success and warm acceptance of the maiden launch of the BAIPHIL Street Dance Challenge one year ago, on October 27, 2016, drove an intensified enthusiasm from among the BAIPHIL leaders to showcase again this year, the talents of the banking community in street dancing. October 26, 2017, in a display of strength, agility, balance, creativity and rhythm, put together a dramatic connection of what unfolded inside the Francisco Santiago Hall, BDO Corporate Center, Makati in what was dubbed as the BAIPHIL STREET DANCE CHALLENGE SEASON 2. Spearheaded by the Special Projects Committee under the able leaderships of Marilen Ruiz and Liza Ortiz, Chairperson and Director –in-Charge respectively of the Special Projects Committee, funds generated from this event aim to augment the support for the Financial Education Program of the Institution.

From the 11 competing member bank teams, 5 were part of the first run while 6 new entries were registered for this year. The following were the contestants, in the order of their presentation sequence: UNITED COCONUT PLANTERS BANK* BANGKO SENTRAL NG PILIPINAS METROPOLITAN BANK & TRUST CO.* PHILIPPINE SAVINGS BANK* UCPB SAVINGS BANK* LAND BANK OF THE PHILIPPINES

EAST WEST BANKING CORP. PNB SAVINGS BANK* CITIBANK, N.A.* BANK OF THE PHILIPPINE ISLANDS UNION BANK OF THE PHILIPPINES

*New entries for season 2 Criteria for judging included the artistic component with 60% weight covering choreography, creativity, audience impact, stage presence, costume and props. The technical component with 40% weight covered the technique, execution, timing and musicality. All teams came ready. Costumes were usually in the shade of black, blue and brown in body fitting and tight stretchable outfits to afford them comfort and mobility in the performance. Hand, body and foot work were carefully and skilfully executed by the participants, with blocking and various steps in perfect cadence toward giving justice to the rhythm and musicality. Support from each competing bank was outpouring with high ranking officers sighted at the audience. Crowd support for the contestants, was almost deafening, a material factor in the audience impact criterion. The crowd was drawn to going with the beat and music in bodily movement, as each one onstage executed the action con gusto. One heard questions like, are these dancers really bank employees? Are they sure dancing is only a second career for them? Or simply the passion of dancing keeping banking as the primary career? So talented indeed! BAIPHIL is truly honored to have the contest assessed and judged by young professionals and performers who are authorities in the field of street dancing. Ms. Meggie Manago, Ms. Chinky Asilo a nd Mr. Von Ace Asilo all came from the Continued on Page 8

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BAIPHIL Street Dance Challenge Season 2 (continuation) Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

UP STREETDANCE CLUB, in their capacities as Alumni, Coach, Artistic Director, having brought the country fame and honor in their representations to international contest on street dance. Equally cannot be outdone in execution and glamour was the dance number led by BAIPHIL leaders Tess Andres and Tess Dean together with the China Bank Savings Dance team. Their presentation brought the house down. And who says street dancing is only for the young ones? The three judges also gave a very highly stretching and active dance piece which they executed with so much ease. Surely, this is always part of their routine and expertise thus the very fine work execution. Those dances happened in between the flow of the program and while waiting for the final tabulation of the scores. It must have been a tough decision for the judges to get the top 3 from among the 11 contenders as the teams really did their best, to fit in to all precincts of judging. For an ordinary banker regardless of the corporate rank and position, choosing the winners to the street dancing contest is even much more difficult to do. The movements were simply fast and done with skills and passion. But wait! The evening would not be complete without closing the event and closing the event meant the winners had to be chosen! AND CONGRATULATIONS TO THE WINNERS:

Two years in a row, BPI garnered the top award as Champion with a total score of 90.67%.

Continued on Page 9

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BAIPHIL Street Dance Challenge Season 2 (continuation) Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

Following closely is the 1st Runner Up.....Metro Bank with a total score of 88.5%

Garnering the 2nd Runner Up is.....East West Banking Corporation with total score of 80.67% It was again another successful year for the street dance contest. Will 2018 expect season 3 of this event? The talents are surfacing, showing and waiting to be further tapped. So many contributions from corporate partner benefactors particularly BDO, China Bank Savings, and China Bank, and BAIPHIL member banks are deeply treasured. To all the servant leaders of BAIPHIL especially SPC subcommittee chairs Racqs Manago and Marlo Dadia, and their members, Tess Andres, Agnes Santos. Celia Sotto, Josie Cortez and Gina de Guzman; the Secretariat led by Bernie Cual, Tess Limqueco and Jeff Tuazon; and all those who contributed in small or big scale, BAIPHIL is truly blessed to have you!

UCPBeats

Bangko Sentral Dance Company

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

Metrobank Dance Company

MONSTARZ NexGen

USB Dance Squad

LANDBANK All-Stars

EastWest in Motion

PNB Savings Bank’s STEP BREAKERS

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

VELOCITI

BPI Street

UnionBank Dance Crew

Special Dance Number from the Judges

Special Dance Number from BAIPHIL Dance Crew

Awarding of Certificate of Participation to United Coconut Planters Bank

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

Awarding of Certificate of Participation to Bangko Sentral ng Pilipinas

Awarding of Certificate of Participation to Philippine Savings Bank

Awarding of Certificate of Participation to Land Bank of the Philippines

Awarding of Certificate of Participation to Metropolitan Bank & Trust Co.

Awarding of Certificate of Participation to UCPB Savings Bank

Awarding of Certificate of Participation to East West Banking Corp.

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

Awarding of Certificate of Participation to PNB Savings Bank

Awarding of Certificate of Participation to Bank of the Philippine Islands

Awarding of Certificate of Appreciation to the 3 Judges

Awarding of Certificate of Participation to Citibank, N.A.

Awarding of Certificate of Participation to Union Bank of the Philippines

Awarding of Certificate of Appreciation to BDO Unibank, Inc.

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BAIPHIL Street Dance Challenge Season 2 Francisco Santiago Hall, BDO Corporate Center, Makati City 26 October 2017

Awarding of Certificate of Appreciation to China Bank Savings, Inc.

BAIPHIL Members and Secretariat Group Photo

4th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 27 October 2017

Mr. Roberto B. Tan was appointed as the President/CEO of the Philippine Deposit Insurance Corporation (PDIC) on February 3, 2017. Prior to joining the PDIC, President Tan served as National Treasurer of the Bureau of the Treasury for two terms from 2008 to 2012 and from 2015 to 2017, and concurrently served as the Officer-in-Charge of the International Finance Group of the Department of Finance MR. ROBERTO B. TAN from 2015 to 2016. He was Executive Director of the World Bank Group and Affiliates from President/CEO 2012 to 2015. President Tan has an extensive experience in public finance having assumed Philippine Deposit Insurance Corp. several key positions in the Department of Finance, including Undersecretary from 2005 to 2008, Assistant Secretary from 1999 to 2005, and Director in the early 1990s for the International Finance Group. He also assumed the post of Advisor to the Executive Director of the Asian Development Bank Board. His professional background includes treasury management, international finance, consumer credit, and management consulting. Tan has served as an Alternate Member of the Board of several government agencies including the Monetary Board of the BSP, Philippine Export-Import Credit Agency, Landbank of the Philippines, Philippine Health Insurance Corporation, Municipal Development Fund Office, Philippine National Railways, Home Development Mutual Fund, Housing Guaranty Corporation, and the Foundation for the Philippine Environment. President Tan holds a Master’s degree in Economics from Fordham University, New York, USA, where he also pursued doctorate studies. He obtained his MBA from the Ateneo de Manila University where he likewise received his Bachelor’s degree in Economics.

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4th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 27 October 2017

BUILDING DEPOSITOR CONFIDENCE THROUGH PARTNERSHIP WITH MEMBER BANKS

Speech by Mr. Roberto Tan

Awarding of Certificate of Appreciation to Mr. Roberto Tan

BAIPHIL Members in Attendance

BAIPHIL Members Group Photo with Mr. Roberto Tan

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4th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 27 October 2017

WELCOME TO NEW ASSOCIATE MEMBER A warm BAIPHIL welcome to Malou, who was inducted as associate member last 27 October 2017. The induction was performed by BAIPHIL President, Ms. Irene DL. Arroyo during the 4th General Membership Meeting held at Dusit Thani Hotel, Makati City.

MA. SALOME V. PANZO FVP/Chief Compliance Officer Philippine Bank of Communications

Oath-taking of Ms. Ma. Salome Panzo as New Associate Member

Charge to New Associate Member

Pinning Ceremony

New Associate Member Group Photo

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5th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 28 November 2017

MR. ASH MANDHYAN is the Head of Client Solutions Team for Facebook Philippines since March of this year. Prior to this, he was with Lazada Group, National Capital Region where he served as Vice-President heading the supply chain management and vendor performance. He was also a Business Director for iProspect for 7 months and almost 4 years in SM Prime Holdings, Inc. where he held his last position as the Business Unit Head for Digital Marketing and e-Commerce. He has a Bachelor’s degree in Legal Management at the University of Sto. Tomas and in 2013 he finished his MBA in Marketing and Economics at the University of the Philippines.

MR. ASH MANDHYAN Head of Client Solutions Facebook Philippines

His experience has provided him with a deep understanding of the partnership between marketing and operations. Having been positioned to manage both roles together or at different stages, he said that it has empowered him to be adaptable and collaborative and abled him to understand the impact caused by marketing to increase demand while the necessity for agile operations to sustain or grow supply.

SOCIAL MEDIA MANAGEMENT AND HOW BANKS MAY USE SOCIAL MEDIA TO ENGAGE CUSTOMERS

Speech by Mr. Ash Mandhyan

Awarding of Certificate of Appreciation to Mr. Ash Mandhyan

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5th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 28 November 2017

Product Presentation by Mr. Ken Chan of Objectif Lune

Oath-taking of Ms. Ma. Rodora Bañares as Director of BAIPHIL

President’s Report by Ms. Irene Arroyo

BAIPHIL Members on Attendance

BAIPHIL Members Group Photo with Mr. Ash Mandhyan

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5th General Membership Meeting Mayuree II, Dusit Thani Hotel, Makati City 28 November 2017

WELCOME TO NEW ASSOCIATE MEMBER A warm BAIPHIL welcome to Reggie, who was inducted as associate member last 28 November 2017. The induction was performed by BAIPHIL President, Ms. Irene DL. Arroyo during the 4th General Membership Meeting held at Dusit Thani Hotel, Makati City.

REGINALD C. NERY SVP/Chief Audit Executive Bank of Commerce

Oath-taking of Mr. Reginald Nery as New Associate Member

Charge to New Associate Member

Pinning Ceremony

New Associate Member Group Photo

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An Afternoon Chat on Understanding BSP Cir. 963 Bank Responsibility for the Generation and Timely Submission of Required Reports to the Bangko Sentral ng Pilipinas BSP Complex, A. Mabini Street, Malate Manila 06 December 2017

Group Photo with Mr. Vicente De Villa III and Mr. Noel Guinto of BSP

BSP Director Mr. Vicente De Villa III

BSP Deputy Director Mr. Noel Guinto

Bank Representatives in Attendance

Awarding of Certificate of Appreciation to Mr. Vicente De Villa III and Mr. Noel Guinto

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Training Courses & Seminars SIGNATURE VERIFICATION & FORGERY DETECTION (BSP) Date: October 4, 2017 (Wednesday) Venue: Bangko Sentral ng Pilipinas, Manila Speaker: Mr. Jesus M. Belanio Training Consultant

TRAINING THE BANK TRAINERS Date: October 5-6, 2017 (Thursday & Friday) Venue: Dusit Thani Hotel, Makati City Speaker: Ms. Odette Abaya-De Guia Training Consultant

UPDATED GUIDELINES ON SOUND CREDIT RISK MANAGEMENT Date: October 7, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speaker: Ms. Concepcion A. Garcia Acting Deputy Director and Group Head MSME Finance Specialist Group Bangko Sentral ng Pilipinas Coordinator: Ms. Racquel B. Mañago Director, BAIPHIL Vice President, Philippine Veterans Bank

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Training Courses & Seminars DEVELOPMENTAL COURSE ON TREASURY PRODUCTS: BOOTSTRAPPING Date: October 7, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speaker: Mr. Gregorio V. Rubio, Jr. Consultant Security Bank Corporation Coordinator: Mr. Mardonio C. Cervantes Chairperson, Business & Products Course Committee and Associate Life Member, BAIPHIL

A REGULATORY PERSPECTIVE ON TRUST ACTIVITIES AND ADMINISTRATION (2 DAYS) Date: October 6 & 13, 2017 (2 Fridays) Venue: Dusit Thani Hotel, Makati City Speakers: Trust Specialist Group Bangko Sentral ng Pilipinas

Coordinators: Ms. Blesilda P. Andres Treasurer, BAIPHIL Assistant Vice President, Bank of the Philippine Islands

Mr. Marti D. Alinsod Bank Officer IV

Ms. Genalyn P. Gomez Bank Officer IV

Ms. Danielle D. Tonel Bank Officer V

Mr. Albert M. Valdez Bank Officer IV

Ms. Amelita G. Cua Member, Business & Products Course Committee Vice President, Philippine Trust Co.

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Training Courses & Seminars DEVELOPMENTAL COURSE ON TREASURY PRODUCTS: CURRENCY SWAPS/FORWARD RATE AGREEMENT Date: October 14, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speaker: Mr. Gregorio V. Rubio, Jr. Consultant Security Bank Corporation Coordinator: Mr. Mardonio C. Cervantes Chairperson, Business & Products Course Committee and Associate Life Member, BAIPHIL

BSP CIR. NO. 706 AS AMENDED BY BSP CIR. NO. 950, AMLA LAW, AND THE AML RISK RATING SYSTEM Date: October 20, 2017 (Friday) Venue: Dusit Thani Hotel, Makati City Speakers: Anti-Money Laundering Specialist Group Bangko Sentral ng Pilipinas Mr. Heinz Ryan H. Espinosa Bank Officer V

Coordinator: Ms. Amelita G. Cua Member, Business & Products Course Committee Vice President, Philippine Trust Co.

Mr. Gerald Jiles M. Miciano Bank Officer IV

Mr. Joemel D. Santos Bank Officer V

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Training Courses & Seminars SUPERVISORY EXPECTATIONS ON THE ICAAP Date: October 20, 2017 (Friday) Venue: Dusit Thani Hotel, Makati City Speaker: Ms. Annaliza G. Tan-Cimafranca, CIA, FRM Director, Examination Department III Supervision and Examination Sector Bangko Sentral ng Pilipinas Coordinator: Ms. Racquel B. Mañago Director, BAIPHIL Vice President, Philippine Veterans Bank

PROJECT MANAGEMENT FRAMEWORK Date: October 21, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speakers: Mr. Angelo L. Basuan, MBM, PMP Manager-Consulting PwC – PricewaterhouseCoopers Consulting (Philippines), Inc. Mr. Alvin Dave M. Pusing, CPA, CIA, CFSA, CISA Senior Manager – Consulting PwC – PricewaterhouseCoopers Consulting (Philippines), Inc. Coordinator: Ms. Maria Victoria P. Ronquillo Chairperson, Operations & Technology Course Committee Assistant Vice President, United Coconut Planters Bank

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Training Courses & Seminars

LETTER OF CREDIT AND DOCUMENTARY COLLECTION – ONE STEP FURTHER Date: October 21, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speaker: Mr. Thomas Wong Director/Chief Operating Officer ING Bank N.V. – Hong Kong Branch Coordinator: Ms. Blesilda P. Andres Treasurer, BAIPHIL Assistant Vice President, Bank of the Philippine Islands

FINANCIAL EDUCATION PROGRAM (DR. ALBERT ELEMENTARY SCHOOL) Date: October 25, 2017 (Wednesday) Venue: Dr. Albert Elementary School, Dapitan, Manila Speaker: Ms. Teresita I. Andres Member, Special Projects Committee and Associate Life Member, BAIPHIL Coordinator: Ms. Maria Elena M. Ruiz Chairperson, Special Projects Committee and Associate Life Member, BAIPHIL

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Training Courses & Seminars CYBER SECURITY IN BANKING Date: October 27, 2017 (Friday) Venue: Dusit Thani Hotel, Makati City Speaker: Ms. Anna Marie M. Pabellon, CPA, CISA Risk Advisory Partner Deloitte Navarro Amper & Co. Ms. Shubhra Deo Manager - Cyber Risk Services Deloitte Coordinators: Ms. Racquel B. Mañago Director, BAIPHIL Vice President, Philippine Veterans Bank Ms. Edel Mary D. Vegamora Chairperson, Finance & Audit Course Committee, BAIPHIL EVP/Chief Audit Executive, Rizal Commercial Banking Corp.

FRAUD RISK MANAGEMENT Date: October 28, 2017 (Saturday) Venue: Dusit Thani Hotel, Makati City Speaker: Mr. Dante T. Fuentes Chief Compliance Officer Security Bank Corporation Coordinator: Ms. Edeza A. Que Chairperson, Risk Management Course Committee, BAIPHIL First Vice President, Philippine Savings Bank

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Training Courses & Seminars BUSINESS CONTINUITY STRATEGY WORKSHOP (PAG-IBIG FUND) Date: November 22, 2017 (Wednesday) Venue: Venetto Function Room, The A.Venue Hotel located at 7829 Makati Avenue, Makati City Speaker: Mr. Kama Neson Ganeson Country Director ECC International Corporation Coordinator: Mr. Domingo B. Gavino, Jr. First Vice President, BAIPHIL Chief Financial Officer, ING Bank N.V.

ENHANCED CORPORATE GOVERNANCE GUIDELINES (BSP CIR. NOS. 969, 970, 971, 972) Date: December 1, 2017 (Friday) Venue: Dusit Thani Hotel, Makati City Speakers: Supervision and Examination Sector Bangko Sentral ng Pilipinas Ms. Mary Grace B. Marasigan Examination Department I

Coordinators: Ms. Blesilda P. Andres Treasurer, BAIPHIL Assistant Vice President, Bank of the Philippine Islands Mr. Romel D. Meniado Director, BAIPHIL FVP & Chief Compliance Officer, Robinsons Bank Corp.

Ms. Marie Antoniette A. Maglalang Examination Department I Members of the panel are as follows: Ms. Maria Theresa S. Bangalan Deputy Director ED IV Ms. Regina Fedelis A. Abuyan Acting Manager, CPCD III

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Training Courses & Seminars BSP CIR. NO. 706 AS AMENDED BY BSP CIR. NO. 950, AMLA LAW, AND THE AML RISK RATING SYSTEM Date: December 1, 2017 (Friday) Venue: Dusit Thani Hotel, Makati City Speakers: Anti-Money Laundering Specialist Group Bangko Sentral ng Pilipinas Atty. Ruel M. Bumatay Bank Officer V

Coordinator: Mr. Herminio J. Matute Director, BAIPHIL First Vice President, PNB Savings Bank

Atty. Ma. Corazon B. Bilgera-Cordero Bank Officer V Ms. May M. Mariano Bank Officer IV

BEYOND COMPLIANCE: MANAGING TECHNOLOGY AND CYBER SECURITY RISK (HIGHLIGHTING BSP CIR. NO. 982: ENHANCED GUIDELINES ON INFORMATION SECURITY MANAGEMENT)

Coordinators: Ms. Racquel B. Mañago Director, BAIPHIL Vice President, Philippine Veterans Bank Ms. Ma. Bernadette T. Ratcliffe Chairperson, Governance, Legal & Compliance Course Committee, BAIPHIL FVP & Chief Compliance Officer, East West Banking Corp.

Date: December 1, 2017 (Friday) Venue: Holiday Inn & Suites Makati, Palm Drive, Ayala Center, Makati City Speakers: Mr. Melchor T. Plabasan Deputy Director and Head Core Information Technology Specialist Grp. Supervision and Examination Subsector II Bangko Sentral ng Pilipinas Ms. Maricris A. Salud Bank Officer V Core Information Technology Specialist Grp. Supervision and Examination Subsector I Bangko Sentral ng Pilipinas

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Other Special Features BAIPHIL Upcoming Seminars: (January 2018) DATE

TOPIC

SPEAKER/S

January 13, 2018 (Saturday)

Developmental Course on Treasury Products MR. GREGORIO V. RUBIO, JR. Financial Options Consultant Security Bank Corporation

January 13, 2018 (Saturday)

Signature Verification & Forgery Detection

January 18 to 20, 2018 The Bank CFO Strategic Leadership (Thursday, Friday & Programme Saturday)

MR. JESUS M. BELANIO Training Consultant

MR. CHRIS BATT Internationally Recognized Thought Leader from United Kingdom

January 19, 2018 (Friday)

Professional Image and Values Enhancement MR. STEPHEN I. BAÑARES, CPA Training Consultant

January 26, 2018 (Friday)

Enhanced Corporate Governance Guidelines SME’s from: (BSP Cir. Nos. 969, 970, 971, 972) Bangko Sentral ng Pilipinas

January 26, 2018 (Friday)

Compliance with Financial Consumer Protection Framework (FCPF)

MS. JENNIFER C. VILLENA Assistant Manager Financial Consumer Protection Department Bangko Sentral ng Pilipinas MR. RENE CARLO JOAQUIN D. BO-OT Bank Officer IV Financial Consumer Protection Department Bangko Sentral ng Pilipinas

January 26, 2018 (Friday)

Code of Champions (A Leadership Effectiveness Program for Bankers)

FR. ARMAND ROBLEZA Salesian Society of St. John Bosco Don Bosco

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2

Teresita S. Galvadores

Past President

2

Emma B. Co

Philippine Savings Bank

4

Evangeline L. Salazar-Nevado Philippine Dealing System Holdings Corp.

4

Rene S. Natividad

Bancnet Inc.

6

Maria Victoria P. Ronquillo

United Coconut Planters Baml

9

Zenaida P. Molina

Past President

9

Maria Elena S. Guce

Standard Chartered Bank

10

Maria Daisy B. Posadas

ING Bank NV

11

Mary Joyce M. Sasan

Union Bank

12

Nestor A. Espenilla, Jr.

Bangko Sentral ng Pilipinas

15

Teresa O. Limqueco

BAIPHIL Secretariat

17

Anna Lorraine J. Maur

Rizal Bank, Inc.

17

Aristeo P. Zafra, Jr.

Bancnet Inc.

17

Andres M. Cornejo

Producers Savings Bank

18

Ofel M. Gonzalez

Associate Life Member

19

Belinda C. Rodriguez

Philippine Business Bank

22

Jose Q. Dy

Philippine Clearing House Corp

23

Maria Rachelle A. Fajatin

Equicom Savings Bank

25

Irma C. Surtida

United Coconut Planters Bank

26

Benedict A. Ame

CARD SME Bank, Inc

29

Catalina R. Avila

Development Bank of the Philippines

3

Agnes C. Brillante-Santos

Past President

3

Teresita I. Andres

Associate Life Member

7

James Patrick Q. Bonus

Philippine National Bank

10

Amelia S. Amparado

Land Bank of the Philippines

11

Mamerto R. Natividad

JP Morgan Chase Bank

12

Estrellita V. Ong

BDO Unibank, Inc.

13

Arnel A. Valles

United Coconut Planters Bank

14

Lani D.J. Larion

Chinabank Savings, Inc.

15

Elizabeth DM. Goco

Associate Life Member

17

Leila P. Paz-Aguba

Union Bank of the Philippines

24

Herminio J. Matute

PNB Savings Bank

27

Marichu Daisy S. Jimenea

Associate Life Member

28

Romel D. Meniado

Robinsons Bank Corp.

30

Mardonio C. Cervantes

Associate Life Member

31

Angelica Pia P. Lacson

Citibank, N.A.

31

Liza L. Ortiz

The Bank of Tokyo-Mitsubishi UFJ, Ltd.

31

Noel C. Ang

Philippine Savings Bank

2

Raissa Katrina Marie G. Ballesteros

Hongkong & Shanghai Banking Corp.Ltd., The

2

Evangelina P. Samonte

Associate Life Member

3

Emmanuel E. Barcena

Philippine Clearing House Corp

7

Cynthia B. Marcelo

Philippine Deposit Insurance Corp.

12

Glenda C. Magpantay

CARD Bank Inc.

13

Lorenza Dt. Bañez

CARD Bank Inc.

17

Belen W. Au

Security Bank

21

Eden Tita J. Dizon

Philippine Deposit Insurance Corp.

23

Fe B. Macalino

Past President

26

Ma. Cecilia V. Tejada

China Banking Corp.

26

Grace G. dela Cruz

Past President