After graduating (Dean`s Medal) from the UP College of Law and

Atty. JJ Disini is one of the leading information and technology law
experts in the Philippines today. His areas of expertise are litigation,
intellectual property, licensing, privacy and data security, copyright,
trademark registrations and technology transactions. He has
represented local and foreign clients in corporate, project finance,
securities, foreign investment, technology, and telecommunications,
among others.
After graduating (Dean’s Medal) from the UP College of Law and placing 7th in the Bar
Examinations, JJ has been continuously practicing law since 1994. In 2004, he obtained a
Degree in Masters of Law LLM from Harvard Law School. He is the first lawyer member of
the Philippine Internet Commerce Society (PICS) and was actively involved in the lobbying
efforts for the passage of the eCommerce Act (ECA Republic Act No. 8792). He drafted its
Implementing Rules and Regulations, under the supervision and control of an inter-agency
task force committee co-chaired by the Department of Trade and Industry, Department of
Budget and Management of the Bangko Sentral ng Pilipinas in 2000. A year later, he codrafted the Rules on Electronic Evidence as part of the Supreme Court’s eCommerce Subcommittee.
JJ is a frequent speaker in legal forums and news and current affairs programs on television,
where he discusses issues involving e-commerce, cybercrime, data privacy, and intellectual
property, among others. He is a Professor in the University of the Philippines College of Law
where he teaches The Law on Cyberspace, Advanced Issues in Intellectual Property, Bills
and Notes, Credit Transactions, Torts and Damages, and Negotiation and Mediation. He is
also a Professional Lecturer at the Philippine Judicial Academy. JJ was recently hailed as
Gamechanger of the Year in the Philippines in the ACQ Global Awards 2015.
For a copy of JJ’s presentation at the 4th General Membership Meeting last 20 October
2015, please click on the link below:
https://drive.google.com/open?id=0B3h9elvDMOyzcHdvTGhUOGI4blk
Continued on page 2
Maikli lamang ang aking talumpati para magkaroon tayo ng mas mahabang panahon para sa palitan ng pananaw, open forum. Sana
maging malusog kaaya-aya at interisante ang palitan natin ng pananaw.
Hayaan ninyong simulan ko ang aking talumpati sa pagbibigay ng isang maikli pero totoong kwento. May isa akong nakilala at naging
kaibigan ko na tulad ko ay law student din noong panahon na iyon. Kumuha siya ng bar, bago lumabas ang resulta napagkatuwaan
siya ng kanyang mga kaibigan. Sinabi sa kanya na may inside information sila na pasado na siya sa bar.
Two days after, lumabas iyong resulta tinanong niya kung pasado nga ba siya o hindi? Nag-blow out na ang nanay niya, naghanda na ang nanay niya. Tuwang-tuwa ang
nanay niya at pinagkalat na sa lahat ng mga kamag-anak. Two days after lumabas ang resulta, hindi pala siya pumasa.
Inaway niya at naging kaaway niya ang kanyang mga kaibigan dahil masama nga namang biro at loob iyon. Nagreview ulit siya, nagpunyagi, nagsumikap at kumuha ulit
ng bar. Bago lumabas ang resulta ng bar exams, pumanaw na iyong kanyang nanay. Paglabas ng resulta, pumasa siya at pasado siya. Binalikan niya ang kanyang mga
kaibigan na nagbigay ng mali at masamang biro sa kanya noon, sabi niya, pwede ba tayong maging magkaibigan ulit at nagpasalamat sa kanila. Bakit? Sabi niya, salamat
sa ginawa ninyo noon dahil hindi ko naman alam na papanaw na iyong nanay ko, hindi ninyo naman kayang baguhin iyong pagbagsak ko o pagpasa ko sa bar. Pero maski
na papaano noong nabubuhay pa siya, sa loob man lamang ng dalawang araw, nagkaroon siya at naramdaman niya ang pagkakaroon ng isang abogadong anak.
Continued on page 3
Sa lahat po ng piling panauhin sa BAIPHIL sa pangunguna ng pangulo at aking
kaibigan, kasamahan sa UP Law na si Attorney Rommel Carlo at sa iba pang
miyembro ng BAIPHIL, isa pong maganda at pinagpalang tanghali sa inyo.
Ang salita ko dapat ay ay tungkol sa Fiscal Reforms for Inclusive Growth. Allow me
to state two principles in this regard, on this topic. One on government, two on
governance.
Kulang-kulang P80 bilyon ang gagastusin nila para sa sweldo pa lamang ng mga
teacher, para sa taong darating, P61 billion ang gagastusin para sa school building,
sa taong kasalukuyan, P43 billion po ang gagastusin nila para sa 41,000 na
classrooms, next year naman para sa 43,000 classrooms, mahalaga daw kasi ang
edukasyon, pero wala naman yun sa titik at letra ng budget, bakit?
On government, I am on firm belief, that government should only do and perform
the function of the private sector, if they can't do it at an affordable cost.
Naniniwala ako na ang dapat maging papel lamang ng pamahalaan, papel na ayaw o
hindi ginagamapanan ng pribadong sektor sa presyo o halaga na kayang bayaran ng
ordinaryong Pilipino.
Nasa pagpapatupad din iyon, bagaman may budget tayo na higit-kumulang na P43
billion sa taong ito para sa 41,000 classrooms, September 8 na po ngayon, ni-piso
sa P43 billion, ni-isa sa 41,000 classrooms wala pa pong nagagastos at wala pa
pong nagagawa, anumang school building ang nakikita ninyong ginagawa, sa
anumang barangay kayo matatagpuan at nakatira, budget pa po ng 2014 po iyan
at hindi po budget ng 2015 dahil sa bagal at kakulangan ng impormasyon at
implementasyon ng DepEd at ng DPWH.
Ang pamahalaan dapat nasa gilid lamang, nasa isang tabi lamang at hinahayaan ang
pribadong sektor gawin kung ano ang tingin nila na nararapat para sa lipunan at
para sa bansa. At dapat manghimasok lamang kapag may problema, o kapag may
kinakailangan o kung ayaw gumalaw ng pribadong sektor.
Inclusive growth, gumastos tayo o gagastos tayo ng P274 billion para sa 2015,
para magawa ang iba’t ibang kalye sa iba’t ibang parte ng bansa. Doon sa mga
naninirahahan sa probinsiya, madalas ko nakikita ang road widening, ginagawang
four lanes yung ating highway, P274 billion ang gastos po natin diyan.
‘Ika nga bilang mga magulang karamihan sa atin ay marahil ay magulang na.
Trabaho nating akayin ang ating mga anak, trabaho natin na bigyan sila ng giya.
Trabaho nating tulungan sila habang hindi pa sila nakakatayo sa sarili nilang paa.
Next year P391 billion ang gagastusin natin para sa mga bagong kalye, yang
dinadaanan ng bus, ng jeep at ng kotse. Samantala ang farm-to-market road sa
2016, P6 billion lang, humigit-kumulang 2% ng gagastusin natin para sa mga
highway at mga kalye, ang farm-to-market road na budget para next year nasa P7
billion lamang, bumaba pa, 1.8% lamang ng budget ng DPWH para sa kalye,
paano po natin makakamit ang inclusive
Subalit dapat maging layunin ng bawat pamahalaan tulad ng bawat magulang
dumating ang panahon na hindi na sila kinakailangan. I dreamed of the day when
government will become irrelevant, government will not be leading anymore and
that government will still be standing by, awaiting for the time that it will be
needed.
Parang mga magulang din, hindi naman pang habambuhay akay-akay natin ang
ating mga anak. Hindi naman pwedeng habambuhay umaasa sa atin ang ating mga
anak. Hindi naman pwedeng habambuhay itatanong sa atin kung ano ang gagawin
nila at kung tama ba iyon o mali. Hindi ba dapat bilang magulang, ginawa at
ginampanan natin ang ating mga tungkulin kapag ang ating mga anak ay kaya nang
tumayo sa sarili nilang mga paa. Kapag ang ating mga anak ay kaya nang
magdesisyon at magpasya sa sarili nila.
Alam na nila ang kaibahan nung tama at mali, ginagawa ang tama at iniiwasan kung
ano ang mali. Ganyan din marapat ang maging layunin at papel ng pamahalaan sa
ating pananaw. I define the governance as allocating scarce resources. So if
government was able to allocate scarce resources, then the government you can
say, has govern.
Maikli at konti ang ating panahon at konti din ang ating salapi at pamumuhunan
para gawin ang napakaraming dapat gawin ng pamahalaan sa ating gobyerno.
Bilang halimbawa, hayaan ninyong bigyan ko kayo ng ilang Christmas song, ang
budget po ng pamahalaan sa taong darating ay P3 trillion, 3.006-T to be exact.
Trillion pesos. Ang budget po palaging pataas nang pataas iyan.
Kaya ang susunod na pangulo ng bansa, sa loob ng anim na taon niyang
panunungkulan sa bansa, P18 trilyon ang gagastusin niya, in real terms and figures
expanded for the whole six years, and other mechanisms, aabot at papatak, ayon sa
NEDA, ng hanggang dalawampu at tatlong trilyon ang gagastusin at hahanapan ng
pagkakagastusan sa loob ng anim na taon.
Yun na lamang po ang isipin natin, napakabigat na bigla ng nakapansan sa ating
balikat kaugnay sa pagpili ng magiging sunod na pangulo ng bansa dahil pwede
niyang lustayin, pwede niyang ibulsa o pwede rin naman niya gamitin sa tama yung
18 hanggang 23 trilyon sa loob ng anim na taon.
Paano ba ito ginagamit ng kasalukuyang pamahalaan at ano ba ang dapat gawin
para matiyak na walang maiiwanan at walang iwanan pagdating sa pag-unlad ng
ating bansa at ng ating ekonomiya? Unahin na natin ang may pinakamalaking
budget sa pamahalaan, ang Departmemnt of Education, kulang-kulang P450 billion
ang budget ng DepEd para sa darating na taon.
growth kung mapakalaki ng ginagastos natin para sa mga dati nang may kotse na
sumasakay sa mga sasakyan kumpara sa humigit-kumulang 30% ng
pinakamahirap nating populasyon na nagsasaka at nasa sektor ng agrikultura,
kung 2% lamang ang ginagastos natin para sa farm-to-market roads?
Gaano kalaki ba ang epekto nun? Kapag may farm-to-market roads na pwedeng
daanan umulan man o umaraw, patungo sa merkado galing sa tinataniman ng
ating mga magsasaka, dadagdag at lalaki ang kita nila ng 5 hanggang 8% para
maengganyo silang magtanimn at para mas lumaki ang ani nila, hindi ginagawa
iyan at dapat gawin at gampanan iyon ng pamahalaan.
P62 billion ang gagastusin natin para sa CCT, ito po yung binibigay na pera, P300
kada anak basta ang anak po ay pumasok sa eskwelahan, maximum ng hanggang
tatlong bata lamang so maximum of P900 per month. Mayroon din po tayong CCT
para sa mga nagbubuntis na ina, magpa-check-up ka lang kada buwan, s aloob ng
siyam na buwan mong pagbubuntis, bibigyan ka rin ng P300 kada buwan pero
hanggang sa pangatlong anak lang din. Sa pang-apat na anak wala nang ganoon.
P62 billion kada taon na gagastusin natin sa susunod na anim na taon pa, kung
may nagagawa man o wala ayon sa pagsasaliksik, halos wala, dahil tinatanggap
na lamang iyon at kinukuha na lamang iyon ‘ika nga nang wala namang pagsulong
sa ating ekonomiya. Noong ako ay Finance chairman o chairman ng Committee on
Finance sa Senado, ninais natin na maayos, linisin at ayusin ang proseso, kulang
ang isang taon para gampanan ang napakalaking tungkulin na iyan at sana
inaasahan ko, mapagpapatuloy ang ating sinimulan, ng mga pumalit at papalit sa
akin bilang chairman ng Committee on Finance dahil naniniwala ako sa simpleng
kasabihan, you should put your money where your mouth is, kung hindi kayo
naglalagay ng pera para sa isang programa, kung hindi naglalagay ng pondo para
sa isang proyekto, huwag kayo magyabang sa tribuna o sa speech mo na may
gagawin ka at may ginagawa ka tungkol sa bagay na iyan.
Governance is about updating scarce resources, and the budget is the best tool to
address that. Government is doing something progress in a particular problem,
marahil mamaya matatanong ang tungkol sa trapik sa kalye man o sa airport,
doon ko na lamang sasagutin iyon, pero hindi po pwedeng sabihin ng pamahalaan
na may ginagawa sila doon kung wala naman silang tinutustusan na gastos
kaugnay sa problema o isyu na iyan.
Continued on page 4
Ilang halimbawa lamang ang binibigay ko kaugnay sa laki at lawak ng pondong mayroon at ginagastos ang pamahalaan at kung papaano sana matiyak na
makakasama ang bawat naiiwan sa pag-unlad ng Metro Manila man o ng ating bansa, ng Luzon man gayundin ang Mindanao, upang sa gayon, s ahindi malayong
hinaharap, makamit natin ang matagal ng minimithi na pag-unlad sa bawat sulok ng bansa.
Ang kwento kaugnay sa kaibigan ko na niloko at pumasa sa bar na hindi pa pala, para bigyan pagpapahalaga ang isang bagay. Sa kabila ng problema na kinakaharap
po natin ngayon, kung sa tingin natin ay walang dahilan at kahihinatnan ito, sa totoo lang, sa dulo marahil ito ay may makabuluhang dahilan kung bakit nangyari at
naganap. Ang importante kada nadadapa o babagsak tayo, mayroon pa rin tayong lakas at tapang para tumayo upang harapin muli ang mga hamon at pagsubok na
maaaring ibato sa atin ng tadhana bilang isang bansa at bilang isang lahi.
Pinangako ko po na maikli lang ito, mas gusto ko po kayo mapakinggan sa open forum ang mga katanungnan. Pansamantala, magpapasalamat po muna ako. ‘Ika
nga, palagi kong ginagamit na pagbati, mula sa puso at taos-pusong pagbati. In English, from my heart and from Heart. Maraming salamat po at magandang hapon
sa inyong lahat, thank you.
On 20 October 2015, 3 officers were inducted as new BAIPHIL associate members. The induction was performed by BAIPHIL
President, Atty. Rhoneil S. Fajardo during the 4th General Membership Meeting held at Dusit Thani Hotel, Makati City.
1. Emma B. Co
Chief Audit Executive
Internal Audit
Philippine Savings Bank
2. Noel C. Ang
3. Manolo M. Martinez
Assistant Vice President
Assistant Vice President
Head, Regulatory and Tax Compliance Dept.
Marketing
Philippine Savings Bank
CARD SME Bank
“Motivate and Activate” is BAIPHIL Membership Committee’s theme for FY 2015-2016 . The group aims to bring in new people and
institutions into the BAIPHIL community and encourage current members to take on more active roles in the team.
BAIPHIL believes that when members feel like they can identify with the group, have opportunities to work together with friends, and
feel the desire and commitment to contribute, membership in BAIPHIL will be more engaging and meaningful than ever.
Aside from onboarding new associate members in the early months of the fiscal year, the Committee also revisited the annual
membership dues. After careful study, the Committee recommended an adjustment to the dues to account for the changing profile of
the member banks and overall inflation. The structure will be simplified and aligned with BAIPHIL’s peer industry organizations. These
development will be presented during the special meeting of Voting Representatives scheduled in December this year.
One of the latest initiatives of the Membership Committee is the BAIPHIL birthday card which we will start giving out in December.
Here’s a preview.
Some Membership Trivia
As of Mid 2015 …
•
62% of the members are female.
•
The average age of all the members is 52.
•
The groups that are most largely represented in BAIPHIL are:
o Operations with 27
o Compliance with 20
o Audit with 16
MEMBERSHIP COMMITTEE FY 2015-2016:
Maria Elena S. Guce
Director-in-Charge
Reuben Enrique I. Estrada
Chairperson
Members:
Ma. Victoria F. Abanto
Amelita G. Cua
Ma. Luisa A. Dadia
Racquel B. Mañago
Irma C. Surtida
Gutter, Spares and Strikes
It was a fun-filled afternoon as BAIPHIL staged its very first bowling tournament last 24 October 2015 at the Metropolitan Club in Makati. The
tournament, dubbed the “Bowling Fun Game”, was attended by members with varying degrees of bowling experience, with some even newbies
to the game.
Four teams were formed with the more experienced bowlers – Francis Puzon, Arnel Valles, Noel Flores and Boni Santos – as captains. Members
drew lots to get their assigned teams. The teams turned out to be a delightful mix of players as long-time BAIPHIL members partnered with
recent joiners.
After the prayer led by Bles Andres, the opening remarks of President Rhoneil Fajardo, and the Oath of Sportsmanship by Sports and Fellowship
Committee Director-In-Charge Baby Banares, the teams were raring to go. To ensure that the players would avoid any injury, Tess Andres led
warm up exercises to properly stretch the excited muscles.
Shouts, squeals, laughter and groans punctuated the air, as ball after ball rolled on and off the lanes. Spares and strikes were greeted by highfives, while gutter balls and missed pins prompted synchronized groans. Team spirit was at maximum drive as members encouraged each other
with fist bumps.
After the first game, the participants took some respite and snacks to re-energize. To liven up the break and in the spirit of fun, host Balot
Prudente handed special awards with the following gamely taking their bow:
HIGH GUTTER (CANAL) SCORES – PRAYING/KNEELING STANCE THROW
POWER BOWLERS
(Male and Female )
Blesilda P. Andres
Noel A. Flores
Reuben Enrique I. Estrada
Ma. Rodora E. Bañares
Francis M. Puzon
Racquel B Mañago
EARLY BIRD BOWLERS
CUTEST THROW
FASHIONISTA BOWLER
Mary Grace Linell S. Alvero
Teresita I. Andres
Ma. Virginia V. Querobin
Bonifacio S. Santos
As the second game commenced, cheers once again permeated the bowling alley. After the hits and misses of the first game, the players got into
the groove and swing of things. The 2nd game was crucial as the total of the 1st and 2nd games would determine which of the teams would battle it
out for the championship. After the scores of the 2 games were tallied, the teams of Francis and Arnel were up for 1st place while the teams of Noel
and Boni would vie for 3rd honors.
It was a one-game only championship round and the starting scores were back to zero. The air was tense since for the first time, the teams were
directly competing against each other. The energy level was high but fatigue and nerves started to set in.
As each player took his turn on the lane, both teammates and rivals eagerly awaited the outcome. Spares and strikes were joyfully celebrated while
misses would cause cautious glances at the scoring board and mental calculation of the scores were tallied which team would take the lead after
each bowl.
After the tenth frame was completed, the team of Francis, the leading scorer of the first two games, emerged Champion, with four of its members –
Rhoneil, Baby, Tess and Buddy - receiving individual awards. The team of Arnel settled for first runner up, while the team of Noel outbowled the
team of Boni to emerge as second runner up. Cheers to Aileen Guce and Igee Querobin for topping the High Series and High Game, respectively, in
the female category.
CHAMPION – Team 2
Francis M. Puzon - Captain
Teresita I. Andres
Ma. Rodora E. Bañares
Rhoneil S. Fajardo
Salvador R. Serrano
FIRST RUNNER UP – Team 8
Arnel A. Valles - Captain
Mary Grace Linell S. Alvero
Blesilda P. Andres
Stephen I. Bañares
Angelo Dennis L. Matutina
SECOND RUNNER UP – Team 4
Noel A. Flores - Captain
Reuben Enrique I. Estrada
Maria Elena S. Guce
Marilou R. Prudente
Jose Enrico T. Sandoval
Team 6
Bonifacio S. Santos - Captain
Marilou C. Bartolome
Racquel B Mañago
Herminio J. Matute
Ma. Virginia V. Querobin
HIGH GAME (Male and Female Category)
Salvador R. Serrano & Ma. Virginia V. Querobin
HIGH AVERAGE (Male and Female Category)
Rhoneil S. Fajardo & Teresita I. Andres
HIGH SERIES (Male and Female Category)
Francis M. Puzon & Maria Elena S. Guce
Continued on page 7
Photo ops followed the awarding ceremony as the players congratulated one another for the well played games. The fun continued with celebratory
jump shots and wacky poses. It was truly a successful event of bonding and camaraderie. The names of the winners may soon be forgotten and the
medals awarded will soon tarnish, but the smiles and laughter, as well as the new and rekindled friendships, will remain forever.
*High Game - Highest Score for Single Game
High Series - Highest Score for the first 2 games
Highest Average – Highest average score for the first 2 games
Continued on Page 9
Supervisory Expectations on Compliance System
23 October 2015
The seminar on Supervisory Expectations on Compliance System held on 23
October 2013 was a resounding success with Ms. Annaliza G. Tan-Cimafranca,
Director, Central Point of Contact III of the Bangko Sentral ng Pilipinas, as
resource speaker. Attended by 78 participants, the seminar was highly interactive
with Ms. Tan-Cimafranca giving straightforward and clear responses to the
numerous questions raised from start to finish. Everyone picked up a lot of
learning points during the whole discussion that when the seminar came to an
end, the participants still could not get enough of Anna. We can surely expect
another run of this seminar very soon!
One of the objectives that we set for this year under the Build component of our BEST strategy is to develop certification
courses that will further elevate the professional standards of the local banking industry.
Certification programs for banking professionals are important as they establish a benchmark for those who have decided
to establish a career in banking. As entry-level jobs in the financial services industry do not require that one has a degree in
banking or business, it becomes imperative to provide a venue where members can acquire the critical information and
training to perform their work. As bankers handle client investments, assets and credit, they need to be equipped with the
proper financial knowledge to be worthy of their customer’s trust. And as they rise in their careers, industry members are
expected to have gained expertise in their area of specialization. In all these cases, undergoing, and eventually passing, a
certification course provides assurance, to banks and to the public, that one is committed to banking as a profession, and
has gained a comprehensive understanding of the principles, concepts, and risks involved in its practice.
A survey of banking institutes in Asia show that the certification program for banking is well entrenched in many countries
and is widely supported, if not mandated, by the local regulators. The training programs are usually offered at 3 levels of
certification patterned after the usual career path of a banking professional - associate/analyst, middle manager/team lead
and, ultimately, executive/department/ division head. Specialization programs are also offered for various segments of the
industry such as compliance, risk management, operations and technology, and retail and corporate banking.
The development of certification courses requires time, focus and subject matter expertise. While BAIPHIL officers and
members are undoubtedly among the experts in the field, it is an acknowledged fact that they cannot consistently dedicate
the time and focus needed to pursue this initiative given that they are full time employees in their respective institutions.
As the Board nonetheless believes in the value of this objective, we sought to mitigate the situation with the hiring of a
Training Head. Already, Bernie Cual has brought much needed focus on our training program and secretariat and will, for
sure, be instrumental in attaining our goal. In addition, the Board has begun to explore collaboration and potential
partnerships with our colleagues in the region who are quite advanced in this area. While primarily practical, i.e., to avoid
reinventing the wheel, this approach also recognizes the universality of the principles of banking and the imminent
integration of the financial sector, when common standards are expected to be met by practitioners in the region.
We hope to be able to offer certification courses in the very near future. While we have started the initial groundwork, we
are aware that further effort needs to be done to gain market acceptance. With everyone’s support, let’s make this a
reality and certify the future of our profession!
DATE
TOPIC
November 6, 2015 BSP Cir. No. 706, AMLA
(Friday)
Law, RA 10365 and the
AML Risk Rating System
SPEAKER
MS. HEIDI V. GAÑGANANG
Manager
Anti-Money Laundering
Specialist Group
Bangko Sentral ng
Pilipinas
and
MS. RAYANNE S.
TINDOC-REYNOSO
Bank Officer II
Anti-Money Laundering
Specialist Group
Bangko Sentral ng
Pilipinas
VENUE
AIM Conference
Center, Benavidez
corner Trasierra
Streets, Legaspi
Village, Makati City
November 13, 2015 CFO Forum on:
(Friday)
•
Tax Issues affecting
Financial Institutions
and
•
Dusit Thani Hotel,
ATTY. ERIC R.
Makati City
RICALDE
Partner
Angara, Abello,
Concepcion, Regala &
Relevant updates on Cruz Law Office
Philippine Financial MR. ROMUALDO V.
Reporting Standards MURCIA III
Partner, Audit &
Assurance
Punongbayan & Araullo
and
MS. MA. ISABEL E.
COMEDIA
Partner, Audit and
Assurance and Technical
Standards Group
Punongbayan & Araullo
DATE
TOPIC
VENUE
November 17, 2015 Signature
(Tuesday)
Analysis &
Forgery
Detection
(HSBC)
MR. JESUS M.
BELANIO
Training Consultant
November 27, 2015 Supervisory
(Friday)
Expectation on
Compliance
System
MS. ANNALIZA G.
To be announced
TAN-CIMAFRANCA
Director
Central Point of Contact
Department III (CPCD
III)
Bangko Sentral ng
Pilipinas
November 28, 2015 Signature
(Saturday)
Analysis &
Forgery
Detection
MR. JESUS M.
BELANIO
Training Consultant
Dusit Thani Hotel,
Makati City
November 28, 2015 Enterprise Risk MR. KAMA NESON
(Saturday)
Management
GANESON
Technical Director,
Delivery & Quality
Management ECCI
Group
Dusit Thani Hotel,
Makati City
Upcoming Events
12 November 2015 | 5th General Membership Meeting
26 November 2015 | 4th Festival of Bank Chorale
04 December 2015 | BAIPHIL Christmas Party
07-12 March 2016
SPEAKER
| BAIPHIL Week
HSBC Center, 3058
Fifth Avenue, West
Bonifacio Global
City Taguig City
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Teresita S. Galvadores
Emma B. Co
Evangeline L. Salazar-Nevado
Rene S. Natividad
Maria Victoria P. Ronquillo
Maria Elena S. Guce
Zenaida P. Molina
Maria Daisy B. Posadas
Paul Benedict F. Perez
Nestor A. Espenilla, Jr.
Ma. Teresa R. Tan
Tess O. Limqueco
Anna Lorraine J. Maur
Aristeo P. Zafra, Jr.
Ofel M. Gonzalez
Reuben Enrique E. Estrada
Jose Q. Dy
Maria Rachelle A. Fajatin
Rafael Danilo Ranil M. Reynante
Irma C. Surtida
Alesandra E. Tiaoqui
Catalina R. Avila
Bank of Commerce
PS Bank
Phil. Dealing System Holdings Corp.
Bancnet Inc.
UCPB
Citibank, N.A.
Past President
ING Bank NV
Maybank
BSP
Standard Chartered Bank
Secretariat
CARD SME Bank, Inc
Bancnet Inc.
Asso. Life Member
Citibank, N.A.
PCHC
Equicom Savings Bank
DBP
UCPB
Planters Bank
DBP
2
2
3
3
12
13
17
21
23
23
26
26
30
Raissa Katrina Marie G. Ballesteros
Evangelina P. Samonte
Julian H. del Pilar
Emmanuel E. Barcena
Glenda C. Magpantay
Lorenza Dt. Bañez
Belen W. Au
Eden Tita J. Dizon
Fe B. Macalino
Arlene Y. Chong
Ma. Cecilia V. Tejada
Grace G. dela Cruz
Elcy R. Ocampo
HSBC
UCPB
Bank of America
PCHC
CARD Bank Inc.
CARD Bank Inc.
Security Bank
PDIC
Union Bank
Metropolitan Bank & Trust Co.
China Bank
Past President
World Partners Bank