EDITORIAL
BK Timeline
THE NEW FACE of TINIG
As we continue our journey in life, we will either encounter
something new, have a desire to change something old, or
simply change something for change’s sake. The arrival of
new things is inevitable. In BK for one, something new was
born out of our dream for
change and yes, you are now
holding that something new in
your hands - the new TINIG
newsletter.
Sometime ago, talented BK
writers met and spent time
together for a reason. All of
them shared a dream of creating
a tool for oneness, awareness,
and inspiration. The tool that we
have called TINIG since 1997 is
old and due for a vibrant
change. Like a child who is maturing in years, our newsletter is
in a constant phase of transition. The new TINIG team envisions it to be curious, fearless, and ambitious. It is a newsletter
that talks about success, unity, hope, failure, loss, love,
dreams, reflections, and everything else that keep all of us in
BK together.
TINIG will continue to be a part of our life in BK. As we try
to capture in words the experiences of BK, its employees,
clients, and partners; the events that make us one, the achievements and honors that cement our institution’s place among
the best in its field, we encourage all of you to continue, or if
you haven’t started yet, to begin reading TINIG. It is your
voice we will try to set people on their ears. The articles we
will be coming out in the months to come, are pieces of our
BK life shared in informative yet inspiring ways.
We hope to continue to be ONE using TINIG.
Lastly, since it is also our goal to make TINIG a trending
topic, you have to guess the theme for this issue of TINIG’s
New Face. The cover should be a good start. Cheers!
THE NEW TINIG TEAM
Editor-in-Chief: Gerneil Rivera
News Updates: Gaye Gonzalvo and Ronalyn Sebuc
Branch and Department Updates: Rey Orense
and Neil Marundan
Events/Activities: Madol Guerra, RC Magtoto and Zaira Perez
Features: Atty. Juliet Patulot and Shirley Esmiller
Layout Artist: April Briones and RC Magtoto
Managing Editor: Rowena Llarena
Adviser: Teresa Ganzon
Contributors for this issue:
RC Magtoto, Jayleen Regero, Zaira Cay Perez, Charisma
Ronquillo, Fe Manalo, Mark Gil Makalintal, Victorino Perea,
Vhea Marie Manigbas, Ana Karmela Amante, Ana Marie
Pasajol, Atty. Juliet Patulot, Gerneil Rivera, Arvin Panopio,
Shirley Esmiller and Janeisa Evacula
2
TINIG
January - March 2012
Jan
2012
Feb
2012
14-15 Annual Direction Setting & Planning Session
18 RBAP International Study Visit Program in BK
21 BIBO KID Launch at CAP Lipa City
6 BK joins the Fun Run in Ibaan
9 Ibaan’s LGU, Bankers & NGOs Night
11 180th Foundation Day of Ibaan
24 20th Anniversary of Cuenca Branch
25 BK's General Assembly
Mar
2012
9 Entrep-Eskwela for 1Pinoy Pilot Group in Lipa
14-16 Study Tour Program in Agriculture Microfinance
18 Annual Stockholder's Meeting
23 Entrep-Eskwela for 1Pinoy Pilot Group in Tiaong
24 Batang Atikha Congress / Bibo Kid Launch 2
27 Orientation / Workshop for TINIG
31 Lenten Recollection
31 Training on CIS and SIG card
BK: TOP TAXPAYER
NG IBAAN
By: Ryan Carlo Magtoto (Marketing)
Isang pagkilala ang muling nakamit ng Bangko Kabayan ng
gawaran ito ng lokal na pamahalan ng Ibaan bilang nangunguna
sa pinakamalaking magbayad ng buwis. Ang mga haligi ng
naturang bangko sa pangunguna nina Atty. Francis S. Ganzon,
Teresa M. Ganzon, Linda R. Lejano at Liza V. Mercado ang
siyang tumanggap ng nasabing parangal noong nakaraang
Pebrero 2012,
kasabay
ng
pagdiriwang ng
ika-180 taon
ng pagkakatatag ng bayan
ng Ibaan.
Bilang isa sa
maituturing na matatag na establisyamento sa Ibaan, di mapagkakailang malaki ang naging bahagi ng bangko sa patuloy na
pagunlad ng bayang ito. At dahil sa pagkilalang natamo, muling
napatunayan ng Bangko Kabayan na di lang talaga siya kasama sa
buhay, kundi katulong mo din sa kaunlaran. 
BK EVENTS
Stockholders’
Meeting 2012
By: Jayleen Regero (Exec)
The Annual Stockholders’ Meeting was held last
March 18, 2012 in Villa Marines Malainin, Ibaan,
Batangas. It was attended by the Board of Directors and some 96 stockholders.
The President of Bangko Kabayan reported that
the operation of the bank is continuously
improving. According to him, the financial
services including both deposits and loans were
managed efficiently by the BK employees who
unselfishly gave their time and dedication to serve
others. The excellent
type of service being
provided by the bank
resulted to the increase
in number of satisfied
clients.
He stated that BK
has grown its total
resources reaching the
P2B mark by year-end.
It was because of these impressive figures that
the bank was able to declare an 8% cash and 10%
stock dividends.
The President also discussed the operational and
organizational highlights beginning with the
opening of BK Lipa, its 16th branch, in March
2011. He cited the continuous partnership with
remittance enterprises and creative service
projects that helped the bank to perform well
reaching out existing clients and acquiring new
ones through innovative products and services.
He also talked about the events of the past year
such as the launching of “Bibo Kid Savers”;
sponsoring the blessing of 13 tractors of the
Batangas Integrated Sugar Planters Multi-purpose
Cooperative (BISPMPC) which BK financed in
support of its mechanization program, and the
long-awaited BSP approval of the amendment
allowing BK to engage in microinsurance for its
depositors. He was happy to report that BK was
again honored with its 6th EAGLE Achievement
Award given by Microenterprise Access to Banking Services (MABS) to a rural bank which has
attained “AA” rating under the MABS-EAGLE
standard. He also shared the recognition given
by Land Bank of the Philippines as “Most
Outstanding Countryside Financial Institution” in
Region 4 for the third time.
He also mentioned BK’s expansion plan of going
out to other areas of Region 4 within 2012 and
the plan of acquiring a new Core Banking
Software (CBS). Before the report ended, Atty.
Ganzon announced the upcoming celebration of
BK’s 55th year in August. 
BK Showcases Talent in the
180th Foundation Day of Ibaan
By: Zaira Cay Perez (HRD)
The municipality of Ibaan
celebrated its 180th Founding
Anniversary last February 11,
2012 with a weeklong celebration of different activities.
Some of the highlights of the
celebration were The Search
for Mutya ng Ibaan, Kantasiyahan, Liempuhan, car show
and a fun run.
Different organizations such
as Department of Education
(DepEd), Local Government Unit
(LGU), Bankers and Non Government
Organization (NGOs) also showcased
their employees’ talents during the
night of the Cultural Presentation held
last February 9, 2012. Bangko Kabayan
was proudly one of them. The bank
wowed the audience by performing a
medley of dances spanning decades of
Ibaan’s rich history.
The Story behind the Scenes:
Eight days of practice wasn’t that easy.
The dancers from the different
branches needed to travel to the Executive Office after work to attend the
practice. They sacrificed their weekends
and even came home late just to finish
the rehearsal. Even though tired, they
still managed to smile and have fun.
This activity developed new friendships
among employees coming from
different branches and gave them a
chance to represent BK in a spectacular
and memorable fashion. The only
reward they wanted was the applause
and the positive feedback from
the audience, especially the Senior
Management.
During the night of the presentation,
the BK dancers were excited but at the
same time nervous of what will happen.
After the breakthrough performance, I
can say that BK employees are really
talented. They were flattered upon
hearing the positive comments. They
proved that they really had talent and
spirit in their performance. 
BK General Assembly 2012
By: Charisma Ronquillo (BCB)
Every year, we hold our
general assembly to celebrate the
success we garnered in the past year. It
is also the time for us to catch up with
other co-employees and meet new
members of our BK Family.
Mrs. Angel Pentinio
-Toreja shared about
service excellence
and for me, it was
very interesting and
overwhelming experience especially
the last part of her
presentation when
BK logo appeared in
the center of the leading banks today.
That simple illustration conveys a
conviction that unity and delivering
service excellence can lead to our
success.
Employees and branches also took
home awards and cash prizes for their
outstanding performance last year. I
got a chance to talk to a first time
attendee of GA and she shared that she
got inspired not only on the cash prizes
but also with the individual recognition
that some of us received. She looks
forward to experience it herself in the
next years.
BK’s general Assembly is an inspiring
event to look back where we can renew
our commitment to our work and to
the institution that we work for. 
January - March 2012
TINIG
3
BRANCH & DEPARTMENT UPDATES
Branch of the Year:
SAN JOSE BRANCH!
By: Fe Manalo (SJB)
The hall was full of anticipation for the emcee to
announce the most-awaited part of the event: the
announcement of the Best Branch.
All ears to the emcees because nobody from 16 branches
knows what award they will receive. Some were already
making conclusions after the minor awards were given.
Everyone shouted for their bet on who will receive the
highest award for the 2011 performance. I remember
nobody from the audience shouted the name of our
branch.
The loudest clap and shout of happiness came from all
of us in SJB after the emcees and Mrs. Liza Mercado
announced the winners. SJB tied up with the Ibaan
Branch. We got highest award and it was extremely
unexpected.
When Monday came (Feb. 27, 2012) everyone at the
office still wears a big smile. We are thankful for having
the great unexpected award. The awards (Best in Income
Management and Best Branch) were the result of the
branch’s united efforts. The challenges and all the
pressures we all experienced before inspired us to meet
the expectations and to keep up the good performance.
Congratulations, SJB! 
Editor’s Note: San Jose Branch shares the BRANCH
OF THE YEAR AWARD with IBAAN BRANCH.
Congratulations, IBB!
4
TINIG
January - March 2012
CUENCA BRANCH:
Muling Nagtamo ng
Pagkilalala
By: Mark Gil Makalintal (CBB)
Kay sarap namang damhin na
sa loob ng isang buong taong
pagsusumikap, pagtutulungan, at
pagtupad sa tungkulin ay muling
nagbunga ang bawat sakripisyo
ng mga empleyado ng Cuenca
Branch. At ang katunayan nito ay
ang mga parangal na aming
nakamit sa nakaraang General
Assembly noong Pebrero 25, 2012
sa Provincial Auditorium, Capitol
Site, Batangas City. Kami ang
tinanghal na 2nd Best in Loans, 3rd
Best in Deposits at 2nd runner-up
sa Best in Microfinance Portfolio.
Nabigyan din ng pagkilala sina
Jeanette P. Barte (Teller) ng Administrative Excellence Award at
Ms. Shirley A. Husmillo (BOH)
ng Leadership Award.
Dahil sa mga natamong gantimpala, tunay na mababanaag ang
kasiyahan sa aming mga staff
lalung lalo na sa aming Branch
Manager at BOH na sina Gng.
Isabel P. Montealto at Gng.
Shirley Husmillo. Ito'y patunay
lamang ng magandang serbisyo
at relasyon ng bangko at ng
mga empleyado sa mga kliyente
nito. Kay sarap isiping kayang
magtagumpay ng isang branch
kung namamayani ang tunay na
pagkakaisa sa bawat empleyado at
pagmamahal sa ating trabaho.
Kamakailan lamang may panibagong biyaya na natanggap
ang Cuenca Branch. Ito ay ang
pagkapanalo ng aming kliyente
sa ENCASH Pangkabuhayan
Promo. Noong nakaraang taon,
matiyagang lumahok ang branch
sa promong ito kung kaya’t
walang mapaglagyan ang kaligayan namin ng maging grand
winner at nanalo ng isang barako
motorcycle si Ms. Betty Gicaro
ng Pinagkrusan, Alitagtag Batangas. Talagang walang ubos ang
biyaya ng Panginoon. 
BK: Partnering with Batang
Atikha Savers
By: Victorino Perea (MBB)
Mabini Branch with other
four (4) BK branches
(Batangas, Ibaan, Cuenca
and Lemery) joined the
Annual Batang Atikha
Savers
Club
Congress
last March 24, 2012 in
Talaga Elementary School Mabini, Batangas. Talented
students from the said host
school, started the program
with a doxology. MF Supervisor Shirley Esmiller shared Savings
Consciousness while Manager Jocelyn Guerra introduced the Bibo Kid
Savings. Attendees who were not yet enrolled as members had the
chance to open their accounts on that same day. Selected kids and
parents also delivered their testimonials on how Atikha affects their lives.
Food breaks, games, school presentations and awarding were also part of
the event. With the aid of the teacher trainers and volunteers, it was
indeed a successful occasion. More power Batang Atikha! 
BRANCH & DEPARTMENT UPDATES
Sentralisasyon
sa Credit
Department
BK Lenten Recollection:
“Longing for the Holy”
By: Vhea Marie Manigbas (Credit)
Last March 31, 2012, BK
employees attended the
Lenten Recollection at
Brindisi Hall, Capuchin
Retreat Center facilitated by
Mr. Jeronimo “Mimo”
Perez. This was
my first time to
join the said
activity and it
was a perfect
opportunity for
all of us to
have that kind
of recollection
before the holy
week. It was
a simple and short event
but it was definitely
meaningful.
Even though the recollection was a half day session,
there are still a lot of
reflections and realizations.
We watched some video
clips and read a story about
God’s love for
His children.
That was the
time we realized that God
doesn’t make a
junk, we
are all his
original
masterpiece. We
should not
be afraid if
we commit
mistakes because God will
always forgive us. We don't
have to change for God to
love us, we just have to be
true to ourselves and be
sincere with all our hearts.
In addition, Lenten season
is the time for us to remember the death and resurrec-
By: Ana Marie Pasajol (Credit)
tion of Jesus Christ which
symbolizes the unconditional love, freedom and
hope He had given us. He
loves us without expecting
anything in return.
We must remember this:
“To be perfect simply
means to walk with God
despite our flaws. Holiness,
means being in the Divine
presence, inspite of the fact
that we are not perfectly
whole, good, true, and
beautiful.” Live Jesus in our
hearts...forever. 
Savings Made Fun & Easy for Kids
By: Ana Karmela Amante (Marketing)
Another new savings product of Bangko Kabayan
called Bibo Kid Savings Account was
launched last January 21, 2012 at the CAP
Auditorium, Lipa City. It was attended by
students ages 7-12 from 22 different
schools in Batangas including St. Jude
Science and Technological School, Cuenca
Central Elementary School, St. Bridget’s
College, St. Anthony Montessori, Holy
Family Montessori, De La Salle Lipa,
Canossa Academy, The Mabini Academy,
and many others.
The program started
with a short talk of Ms.
Rona Sebuc, a Microfinance Supervisor and
an accredited financial
literacy trainer of the
bank, about making
spending and saving
decisions ("Tamang
Paggastos at Pag-iimpok"). This was
followed by a short game which allowed the
participants to apply what they learned in
the talk. Aside from games, there were also
other free fun booths for the kids such as
face painting area and photo booth.
As of February 2012, the savings product
generated 354 accounts bank wide and is
continuously increasing. The Bibo Kid Savings Account aims to help kids ages
7-12
save up for their future while helping communities around them. 
January 25, 2012 - Unang araw ng
sentralisasyon. Iba't ibang emosyon
ang nararadaman naming mga CA at
CI. Malungkot, masaya at may kakaibang takot at nerbiyos. Malungkot
dahil nahiwalay na kami sa branch
na aming tinigilan ng medyo mahabang panahon. Dagdag pa nito, ang
malayo-layong "central office" para
sa mga taga-western (Batangas) kung
saan kinakaiilangang nilang gumising
ng maaga at magbiyahe ng mahabang oras upang makapagreport sa
trabaho. Masaya dahil kaming mga
CA at CI ay magkakasama na, mas
madali na para sa amin ang magpalitan ng kaalaman at suhestiyon.
Nerbiyos dahil baka mas malaki ang
ekspektasyon sa bawat isa sa amin.
Nagsimula ang umaga sa isang
miting na pinangunahan ng aming
mga heads na sina Zernan T.
Zaballa at Bennedict P. Perez.
Tinalakay nila ang mga pagbabago
na magaganap sa aming unit at
hiningan kami ng reaksyon tungkol
sa aming paglipat. Nagbigay din ng
maikling pananalita ang ating
Presidente na si Atty. Francis S.
Ganzon.
Naging maayos at epektibo ang
resulta ng sentralisasyon. Makalipas
ang dalawang buwan sa ilalim ng
bagong sistemang ito, naging produktibo ang bawa't isa sa pagproseso
ng aplikasyon sa pagutang. Bagama't
ang bilang ng CA ay pansamantalang
nabawasan, hindi pa rin naapektuhan ang mabilis at masusing
pagaanalisa ng pinansiyal na aspeto
ng mga kliyente. Gayundin din
naman ang mga CI na patuloy na
ginagampanan ang kanilang mga
tungkulin.
Marahil, ito ay isang indikasyon na
ang inaakala nating mahirap na pagbabago ay mas makakapagdulot pala
ng mas maayos na kahihinatnan. 
January - March 2012
TINIG
5
UP CLOSE & PERSONAL
Dream On
By: Atty. Juliet Nicolas Patulot
ast February 29, 2012 at about half
past two in the afternoon, I received
an early Easter gift. Like that very one day
in a leap year, it was rare. The result of the
2011 Bar Exams was out and, according to
the very excited voice of Atty. FSG's E.A.
(and not just the voices in my head), I made
it. Truth to tell, although I prayed hard to
God and to all the saints in heaven to give
me the grace of passing the bar exams, this
time when it finally came true, I didn't want
to believe it.
I received a lot of calls and text messages
that day. Many came from people I haven't
heard from in a long while. Some I didn't
even know but replied to, anyway. It was
such a happy day. But then the messages I
will remember most came from dear old
friends inside and outside of BK, now
scattered all around the globe, who
thoughtfully prayed with me during the bar
season and throughout the 3-month long
ordeal of waiting for the results. They know
my story, its highs and lows, so this feat is
as good as theirs to claim too. And after
being a recipient of God's overwhelming
grace, I felt I have to share my story with
the rest of the people in the BK world.
All of us dream of becoming something
someday. Believe it or not, mine was to be a
trailblazer. I already shared this once in a
Koinonia session when we were asked to
write down or draw what we thought our
purpose in life was. I remember writing
something about a burning star that illuminates, paving and guiding the way for my
family and all the people I love. As to
exactly how I was going to do it, back in the
day, I really had no idea.
I also dreamed of becoming a lawyer. I
think I was about 5 years old when I first
met a lawyer. He was this kind man, people
at the Villa in Brgy. Tulay called Atty.
Ganzon, who bothered to stop by our little
house one day just to greet my mother a
happy birthday. It was July 20 and my
mother said it was his birthday, too. I also
think it is the Libra in me that made me
romanticized the legal profession. I have
always been in awe of lawyers. When they
enter a room, I feel they bring with them
some kind of an unusual cosmic power that
6
TINIG
January - March 2012
I instantly think I'm in the presence of
greatness. With this kind of inspiration, in
2004 I enrolled in law school only to
discover how childish my concept was. I
dreamed of a fairy tale but in law school, I
was treated to the tale of the Brothers
Grimm.
Law school was a “happy place”. Please
forgive my irony. Nowhere in the world will
you find a place where you pay a great deal
of money to be miserable. I was there every
weekend for years. There were professors
True, law school kept me away from taking
part in the many events, milestones, and
opportunities of the past 8 years. I was
recently told I'm now one of the soon-tobe-extinct single female of my batch in the
elementary and high school. My parents are
getting older. My niece and nephews are
almost grown. My batchmates in BK, who
are my long-time friends, have gone abroad
to pursue careers or family life. Everything
stood still for me. I was in that state of
suspended animation. But I keep telling
myself if I could stand the last hurdle that
was the bar exams where the pressure is
ridiculously high, the sacrifices will all be
worth it.
The rest, as you know now, is history.
It is believed our destiny is written in the
stars. I don't know that with enough certainty but as the great Vincent Van Gogh
had once said, “The sight of the stars makes
me dream”. If there's one special thing
about the human spirit, I can safely say it is
our capacity to dream. When you dream,
you also listen to the voice of a higher being
telling you all about your life's possibilities.
I had these two wonderful dreams and I
guess, I was fortunate enough to have fulfilled both of them at the same time.
who were really generous in giving out
reading and case digests assignments. They
simply gave the whole subject curriculum
for you to study in one week. The
recitations (you can only pray your name's
not among the shuffled classcards) were
just so harsh and insulting that after a while
you tend to develop a kill-me-now-I-havenothing-else-to-lose attitude. There were
books to buy and these were not cheap.
Those I could not anymore afford to buy, I
brought to the photocopier in Vito
Cruz and I just forget about copyright
infringement. There were sleepless nights I
devoted to reading and a few, just sitting in
a chair thinking, whether God really wanted
me to bear this burden of isolation and
loneliness I voluntarily inflicted upon
myself. But every time, I felt the call to rise
up to the challenge just a little more. Just a
little bit more.
So I urge you all reading this, to dream.
Dream big. Believe in the beauty of that
dream. Share that big dream because you'll
never know one day, someone with an even
bigger heart (BK, Atty. FSG, TMG, and the
list goes on and on.....) will be there to help
you. When you have fulfilled that dream,
dream on and continue to challenge yourself. It is the only way to grow. That way,
you have already inspired some people or
maybe even the ire of the hopeless bitter
gourds. Either way, you become a true
trailblazer. Just like a line of a favorite song
of mine says:
I want to do something different with the time
I’ve been given, and I wanna try to touch a few
hearts in this life, and leave nothing less than
something that says, “I was here.” 
Oyet remains grateful to BK and its management for the
unfailing support. Oyet studied law at the Arellano University School of Law in Pasay City (Executive Class
Program). She owes this education to BK under the bank's
Scholarship Grant. BK is indeed the true trailblazer.
UP CLOSE & PERSONAL
values paralleled with BK core values?
LRL: I am here in BK because of the
The Inspiration:
“God is My GREAT
DIRECTOR”
divine providence. When a job was
offered to me and upon knowing how
BK works, I made a decision. I was
inspired by the advocacy of BK and the
way BK conducts business which is more
than profit. At first it was challenging,
because from a commercial bank I will
embrace working in a rural bank, but still
I was excited that time because I had an
experience in banking and helping others,
and I wanted to continue it. Among
the 5 BK core values, Belief in Divine
Providence is the heart of all, and because
I embraced this value in my organization
– Opus Dei, it became easy to me to
adopt the culture of Bangko Kabayan.
TINIG: How do you motivate your
children as well as your subordinates?
(Thoughts from Mrs. Linda R. Lejano, or LRL: The motivation that had an impact
LRL as she is fondly called, in this memora- to my eldest son and daughter is seeing me
in action, seeing me how I became a hardble TINIG interview)
By: Gerneil Rivera
he act of leading a leading organization is not an easy task, it requires a
lot of effort, dedication, creativity, trust,
and faith. The experiences of LRL shared
in this article shows how she fulfilled her
role as a leader, mother, wife and a friend.
She says all the things that happened
to her, she credited to her GREAT
DIRECTOR….
TINIG: What is your Management
Style?
LRL: The impression of others of me is I
am strict. Yes, they are correct. Because I
was raised by a disciplinarian type of family,
I need to be strict in following the rules but
I know how to adjust to the person who I
manage. I hate confrontational actions, I
prefer “dialogue” and open conversation.
TINIG: What is poor performance to
you?
LRL: Performance to me is not whether
you reach the target or not. It is the way
you deliver service (But she thoughtfully
shared that in BK standard, it is still when
you reached the target). Good performance is when there are no complains or
when the problems in operation are resolved. It is when your subordinate emulates you and when they are proud of you
as their superior. Those are, for me, the
indicators of a good performance.
TINIG: In what way that your personal
working, dedicated and committed worker
and mother at the same time. My two
older children helped me transferred this
type of motivation to my youngest son. In
return, one of my sons, the eldest one,
always checks my condition, where I am
everyday or did I arrive safe at home. The
motivation reciprocates.
In motivating employees, my principle is I
create “space” and let them “run” as far as
they can go. I want them to use their own
techniques and to explore new things. I feel
the person first and then support him till
the end.
TINIG: What is your greatest FEAR?
LRL: No.1 is when I am not able to help,
when I am in the state of “helplessness”,
when I cannot do anything. No 2. is the
“unknown”- the next life, but I am guided
by my FAITH to lessen this Fear.
TINIG: Who makes most of the
decisions, you or your husband?
LRL: We consult each other in making a
decision. We enumerate pros/cons of every
issue. We make sure that we come up with
an agreement. When the opportunity to
work in BK was introduced to me, my
husband had his concerns also. But in the
end he gave me his full support.
TINIG: What about your husband
made you marry him?
LRL: I graduated and worked earlier compared to my husband because he took two
courses in college. We met each other in a
bank. He occupied an entry level position
as credit investigator and I was the Officer
of the Credit Department. It was a
“developed” relationship, we are “best of
friends”, both Batangueño and can talk
about common things. He resigned as an
employee of the bank to fight for his love.
His respect for the elderly is the value that I
admired of him most. He is courteous.
When a person respects elders, that person
has “something” in his heart.
TINIG: How do you spend your leisure
time?
LRL: My family usually goes somewhere,
in a place where we could bond. We are an
extended family. I have a brother and a
sister who have their family and we always
go together as one big happy unit. I have
my friends also. On a monthly basis we
have our “get-together” gathering and
enjoy the presence of those former college
classmates who lived in Ayala Alabang too.
TINIG: What is your definition of
Success? Can you consider yourself as
successful individual?
LRL: Success for me is being HAPPY for
what I am. I have tried to give my best as a
mother, wife, co-worker and as a child
of God. When you are happy because you
did your best, it can be said that you are
successful. People around me testified that
I am successful, the way I raised my
children, the banking experiences I had and
of being myself.
TINIG: What are the TIPS that you can
give to those who want to follow your
footsteps?
LRL: . I can share only two things; First is
FAITH in GOD. We must live our Faith,
We should offer all the good things that we
do to God and we should live life because
of Him. He is our GREAT DIRECTOR.
He gave us free will but we must also live
life to the fullest by acquiring knowledge,
new experiences, talking to people and
making good choices. And after doing our
deeds, we should surrender those to Him.
The second thing is HARD WORK. There
is no replacement on this aspect. We
should practice this value during our
elementary, high school, college days and
even in our careers. I still work hard
because I like helping others.
The content of my everyday prayer is, ”For
all that has been, thank you. For all that will be,
in Your will is my Peace”…. 
January - March 2012
TINIG
7
TIDBITS
S.H.E
Significant Human Experience
By: Arvin Panopio
LEADERS to be...
Everyone could be a leader, but not all
of us has the chance to be a leader ...
The recent Management Training
Program (MTP) of Bangko Kabayan
for selected employees is about
LEADERSHIP. It aims to have a “ready
now” pool of employees that will take
the lead for BK's expansion plans, of having as
many branches as possible
in the next 5 years. It's
nice to think that we are
in an institution that has
plans of growing and
expanding.
MTP was conducted at
BK Training Room. The classes started
in November 2011 and ended last March
2012. Twenty three (23) fortunate
employees qualified and composed the
list of participants but only 18 were able
to complete the modules. The most nerve
-racking moment in the training could be
the set of comprehensive exams and the
famous revalida moment. Revalida is the
time when trainees were interviewed
individually by a panel of BK officers
from the top management. It was a heart
pounding and sweating moment for
others while for some it was the exact
time to thank BK for this opportunity.
An opportunity like this is hard to just let
pass by. There is a saying, “Opportunity
knocks once, grab it when it comes”. Just
the thought that out of almost 300
employees (and still counting) that BK
has today, 23 were chosen to undergo
training for future plans, was astonishing.
For the participants, the experience is
extra ordinary in a way that it prompted us
to develop our self confidence more,
aside from the new ideas and
knowledge that we learned. It is
the fruit of every endeavor each
trainee exerted as a person, and
as a BK employee.
Congratulations to all the graduates of the Management Training
Program (MTP). Make Bangko
Kabayan proud… 
Kamusta Ka,
Kabayan?

By: Shirley Esmiller

Nangumusta po ang inyong lingkod
ng ilang kliyente sa Sangay ng Mabini
(MBB). At dahil mag iika-55 na taon
na ang Bangko Kabayan, ay sinundan
ko na rin ito ng tanong
na ,“Nakakatulong ba ang BK? At
paano?”

“Dahil sa pagpapautang ng Bangko, ang
dating 200 na ulong manok na alaga ko ay
nadoble na ngayon ang bilang. NagEducational loan na rin ako ng ilang beses
kung kaya't nakapagpatapos ako ngayong
taon ng anak kong kumuha ng Computer
Science sa Batangas State University at
hayskul sa St. Francis Academy. BINABALIK-BALIKAN.”
Maxima Vizco, Kabayan
Dropout Returnee
8
TINIG
January - March 2012
“..yung pong nautang ng inay ko sa Kabayan ay sa tindahan po talaga napunta, at
ang kinikita po dun ay nakakatulong sa
ibang gastusin po namin sa bahay.”
Maribeth Conti, Anak ng
Kabayan Borrower
“Dahil nakacheke, nakakatulong ang Kabayan sa amin dahil hindi na mahirap ang
magbilang ng malalaking halaga. Mabilis
ang transaksyon dahil sa malapit ito sa
simbahan. Ang isa pa ay mas ligtas ilagak
ang pera dito, walang tauhan ang naglalakas
loob na magtago ng pera sa kanilang
pamamahala.”
Maria Lourdes Carolino, Finance
Secretary of Mabini Parish Church
“Sa tulong ng Bangko Kabayan, dati rati'y
nagrerenta lang ako. Ngunit ngayon nagkaroon na ako ng sariling pwesto ng talyer at
autosupply dito sa Mabini.”
Genevive Fondevilla, Kabayan
Borrower of Calicanto, Batangas City
“Tunay na nakakatulong sa gastusing pampamilya ang inyong Salary Loan. Gayundin,
ang Housing at Business Loan nyo. Mas
mainam na umutang dito sa Kabayan kesa
sa iba. Obligado akong magbayad dahil
may inilalaan kayong time table (amortization
schedule). Dahil sa akmang pagbabayad sa
maliit na halaga, nagiging RESPONSABLE kami sa aming utang at paggasta.
Dahil dito, hindi nasisira ang aming pangalan. Natuto kaming mag-ipon ng
pakaunti-unti ng di namamalayang lumalaki
na rin pala. Dahil sa nasabing impok, nakapag-withdraw na ko ng malaki at nagamit
na dagdag puhunan sa aking groseriya”.
Vilma Dolor, Barangay Captain
of Anilao East, Mabini
“...nakakapagpaluwag sa taong nagigipit.
Nakapagpaayos na rin ako ng bahay sa tulong ng Housing Loan. Bagama't hindi ako
nag-Educational Loan, masasabi kong ang
Microfinance nyo ay nakatulong ng malaki
sa pagpapatapos ng aking anak ng Nursing
sa Lyceum noong nakaaraang taon”.
Myra Villa, Center Chief of San
Teodoro 2 Kapitan Center
HR CORNER
BRANCH OF THE YEAR
Special Citation on Regular Loans
Ibaan Branch
San Jose Branch
1. Calaca Branch
2. Lemery Branch
Best Management of MF Portfolio
Best in Deposits
1st - Calaca Branch
2nd - Tanauan Branch
3rd - Cuenca Branch
Best in Loans
1st - Batangas Branch
2nd - Cuenca Branch
3rd - Rosario Branch
Best in Income
1st - San Jose Branch
2nd - Ibaan Branch
3rd - Batangas Branch
1st - Calaca Branch
2nd - San Juan Branch
3rd - Cuenca Branch
President’s Awardee
Ferdinand Martinez - BDU
Leadership Awardees
1. Arlene Bagsit - IBB
2. Shirley Husmillo - CBB
3. Adoracion Lado - AGB
Extra Mile Awardees
1. Joan Ng - RBB
2. Marvin Arsua - HRD
Administrative Excellence
Awardees
1. Russel Afante - IBB
2. Eugenia Alvarez - CLG
3. Nelia Atienza- NBB
4. Jeanett Barte - CBB
5. Florenz Buendia - CLG
6. Cecilia Caseda - SPB
7. Lorena Dasco - Credit
8. Grace De Castro - Credit
9. Marilou De Chavez - Acctg.
10. Suzette De Chavez - IT
11. Karen De Sagun - AGB
12. Glenn De Vera - IT
13. Genelyn Dimaculangan - MIS
14. Noel Diomampo - Admin
15. Shirley Esmiller - MFU
16. Emylyn Geli - SPB
17. Mary Grace Gumapac - LBB
18. Rolyne Ignacio - CLC
19. Rhea Landicho - MIS
New Employees
January - March
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
Alona Limbo - SJB
Espereanza Limoico - CLG
Arlene Lorona - MBB
Merlyn Manalo - SNJ
Aljay Maralit - RBB
Edna Martinez - MBB
Evangelyn Moraleja - SJB
Dindo Olave - Credit
Christian Pagcaliwagan - SJB
Prudencio Panopio - SNJ
Marieta Patal - IT
Christina Patron - SNJ
Jhonalyn Ramos - Acctg
Dennis Repollo - Credit
Ronnie Reyes - Admin
Jayson Rubio - Credit
Margarita Samson - SJB
Crisanto Sevilla - Admin
Sherell Torres - LCB
Romvic Valenzuela - RBB
April Ellaine Yabyabin - MFU
VICENNIAL
By: Janeisa Evacula
The moment I saw the look in their eyes
They were people who may fail, but ready to rise;
Every hardship they face, it’s You they’ve been holding on
‘Cause we know behind this is a wonderful intention.
They witnessed how we ended up here
And so we thank them for their trust, cheers!
For this two decades of being together
Hand in hand; getting better and better!
From left to right:
Name
Branch/ Dept.
Arlan Joseph H. Luistro
Credit
Donna Gracia P. Mantuano
BDU
Katherine C. Bautista
CLC
Noel M. Mendoza
Credit
Ma. Amorette D. Sarmiento
AGB
Enrie H. Aguila
MBB
Marivic C. Arroyo
BLB
Leah D. Tagaytayan
TCB
Compiled by: Marvin C. Arsua
Position
Credit Investigator
Credit Analyst
Loans Staff
Junior Appraiser
Loans Staff
Teller 1
Loans Staff
Accountant 1/ MF Bkpr.
Atty. Juliet N. Patulot
Passed the November 2011 Bar
Examination
To help other people is not that easy,
For there were times we do it crudely, we’re sorry.
Whether we feel it’s our duty or our responsibility
We do it not by this, but by love and sincerity.
Sometimes we felt down, lost and treated with disdain
But working together makes a good cure to a great pain.
God knows how we were surrounded by challenges,
And here we are, no fear, no doubt, and no hopelessness.
Some have no idea how we became a part of other’s lives
Seeing every family we’ve lifted is already a prize.
Living in faith and service is our fascination.
So we thank the Almighty for He helps us undertake our Mission.
(VICENNEAL came from the Latin words “vicies” (20 times) and “annus” (year)
which, when put together, means existing or lasting for 20 years.—ed.)
Congratulations!
We are proud of you.
Ms. Rochelle R. Ramos
Graduated with Masters Degree in
Business Management Major in Human
Resource Management last April 2012
Happy 20th Anniversary Cuenca Branch!!!
January - March 2012
TINIG
9