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Sunday, March 19, 2023

JT's Manukan Grille now Grilling in Naga City

JT's Manukan Grille started grilling in Naga City last March 15, 2023 beside Hino, at Concepcion Grande, #NagaCity! JT’s is the brainchild of veteran actor Joel Torre and his wife, Cristy. From a hole in the wall to now a 20+ year-old experienced brand in the food industry it really does says a lot. 30+ branches nationwide and now here in Bicol! The brand continuously grows and improves with consistency in food quality and promised value-for-money food.

๐—๐—ง'๐˜€ ๐—ต๐—ฎ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐Ÿฐ๐— ๐˜€ ๐—ฎ๐˜€ ๐—ฎ ๐—ฝ๐—ฟ๐—ผ๐—บ๐—ถ๐˜€๐—ฒ, ๐— ๐—ฎ๐—น๐—ถ๐—ป๐—ถ๐˜€, ๐— ๐—ฎ๐˜€๐—ฎ๐˜†๐—ฎ, ๐— ๐˜‚๐—ฟ๐—ฎ, ๐— ๐—ฎ๐˜€๐—ฎ๐—ฟ๐—ฎ๐—ฝ. JT’s is beyond grilled chicken, other grilled meats are available plus Bicolano specialties to complete an Ilonggo/Bacolod plus Oragon experience. What are you waiting for? Kaon ta!


39 Concepcion Grande, Naga City

Beside Hino Naga and Casa Soriano 

OPEN DAILY from 11:00 AM to 10:00 PM


39 Concepcion Grande, Naga City

Beside Hino Naga and Casa Soriano 

OPEN DAILY from 11:00 AM to 10:00 PM

Lambretta, now available at Ropali Classics Naga

One fine Classic Day! Ropali Classics is now in Naga! 

Bicolano Classic enthusiasts just got their dream closer to owning one of the internationally known brand of motor scooters first manufactured in Milan, Italy, the Lambretta.

Ropali is the ๐—ฒ๐˜…๐—ฐ๐—น๐˜‚๐˜€๐—ถ๐˜ƒ๐—ฒ ๐—ฑ๐—ถ๐˜€๐˜๐—ฟ๐—ถ๐—ฏ๐˜‚๐˜๐—ผ๐—ฟ ๐—ผ๐—ณ ๐—Ÿ๐—ฎ๐—บ๐—ฏ๐—ฟ๐—ฒ๐˜๐˜๐—ฎ in the PH since 2017. This means that you are in the right hands! They also cater to classic brands like Norton, Ural, Triumph and other Classics products not present in the other stores.

We have seen Ropali branches around here in Bicol (here in Naga it’s in Panganiban Drive) offering genuine ๐—›๐—ผ๐—ป๐—ฑ๐—ฎ, ๐—ž๐—ฎ๐˜„๐—ฎ๐˜€๐—ฎ๐—ธ๐—ถ, ๐—ฆ๐˜‚๐˜‡๐˜‚๐—ธ๐—ถ ๐—ฎ๐—ป๐—ฑ ๐—ฌ๐—ฎ๐—บ๐—ฎ๐—ต๐—ฎ motorcycles, spare parts and accessories and now the Ropali Classics the fourth in the Philippines after Pasig, Angeles and Davao.

Eco-friendly Trikes of DECC, Developer of Electric Conveyances Corporation is available at core #Ropali branches and here at #RopaliClassics. DECC aims to produce and provide a better, economical and safe rife to all Filipinos.
DECC Units Photo from Ropali Classics Naga FB Page

Core Ropali Branches and Ropali Classics offers equal, hassle free and quality customer service right from guiding you to choose which one to own for your needs and budget, MC loan application, up until you have successfully paid the loan off. Walang iwanan sa Ropali!
Keep posted for other updates regarding promos and events of Ropali Classics!
Location: ANR Business Center (former RoyalAn), Concepcion Grande, #NagaCity
Open from Mondays to Saturdays
Contact No. 09054188059 / 09511660976

Friday, March 17, 2023

BDO champions renewable energy financing

Isabela Biomass Energy Corporation’s biomass plant generates power day and night.

BDO Unibank Inc. (BDO) reaffirms its commitment to sustainable development as it continues to support the growth and expansion of clients’ renewable energy projects which the Bank considers as a priority sector in financing.  


BDO financed the first renewable energy biomass power plant of Isabela Biomass Energy Corporation (IBEC), a Filipino-owned corporation which uses rice mill waste to generate and supply electricity in the community through alternative sources of energy. The abundance of rice husk in Isabela allows IBEC to utilize renewable energy and produce clean fuel as a sustainable source of power for the country.  The company also provides livelihood to the locals by giving value to agricultural residues which include rice husks, coconut and corn waste, utilized as fuel sources to maintain the power plant’s operations.


BDO also funded IBEC’s succeeding expansion projects. This is aligned with the Bank’s commitment in transitioning to a low carbon economy by providing access to capital to contribute to the reduction and avoidance of greenhouse gas (GhG) emissions through renewable energy alternatives. 


“It is financially challenging to expand our business without BDO’s funding. They continue to trust and accommodate us by providing assistance on our operational needs and lease lines. We are grateful to BDO for being supportive not only in our power generation companies but also in our agriculture trading and milling factories,” said Leoncio Tan, President of IBEC.


IBEC’s decade-long partnership with BDO continues with the Bank’s support in building a second biomass power plant, Cagayan Biomass Energy Corporation (CBEC). IBEC hopes to further increase its power plant capacity to be more self-sufficient in power generation using local resources while helping the local community with more affordable electricity.


Biomass is a high potential renewable energy source for the Philippines given that 40% of the population is engaged in agriculture and the country has an abundance of organic agricultural waste.  BDO has the leading expertise for biomass energy financing, having funded the first biomass power plant in 2013 and with 15 biomass projects in its portfolio with a total installed capacity of 164 megawatts. This total installed capacity supplies 230,131 households with renewable energy, supports 170,915 farmers, and is equivalent to avoiding emissions of 103,451 passenger vehicles in a year.   

BDO continues to offer financial support to eco-friendly companies and renewable energy projects to create opportunities, uplift the lives of Filipinos and help drive national development while transitioning to a low carbon, environmentally responsible, and socially inclusive economy.


Technically speaking, trend is your friend

For an investment instrument as volatile as stocks, is it still possible to predict how stock prices will move at a given time?


Veteran market pundits say this is very much in play, stressing that there is science behind the controlled chaos that is the stock market.


During the TradeTalks Tutorial Series hosted by BDO Securities on the basics of technical analysis and understanding market trends titled "Trending Patterns", BDO Securities Chief Operating Officer, Bernhard Tsai, said market prices form patterns that create trends, and people almost always tend to react the same way when they see the patterns that had similarly formed in the past.


But a more viable game plan, however, is to identify the type of trends that are formed, and riding on them until such trend is reversed.


"Trends are confirmed by presence of volume. Volume has to be present so you'll know there's a demand for this stock," Tsai said.


“Human psychology plays a key role in the stock market," he added. "Whether it's positive or negative news, the market discounts everything. As long as it's already public information, it's already reflected in the (share) price."


How can novice market investors find a good entry in buying stocks using technical analysis? Tsai advised to buy at the breakout point. A breakout refers to the price of a stock when it moves above a resistance area. Breakouts indicate the potential for the share price to start trending in an upward direction.


"One of the common pitfalls for investors is they don't have a good exit strategy," Tsai said. "When things go right, we tend to be too greedy and don't know when to get out. Knowing how to identify patterns to buy is as good as knowing when to exit."


To know the tips on how to have a good exit strategy, identifying market trends, and appreciating the advantages of having a sound technical analysis, Tsai advised first-time investors to open an account with BDO Securities and take advantage of the different technical analysis-based resources such as the Technically Speaking commentaries and tutorial videos. 

Thursday, March 2, 2023

Peรฑafrancia Festival 2023

 On this page you will see the Peรฑafrancia Festival 2023 Schedule of Events (Religious and Civic)

Dates to Remember

September 8, 2023 (Friday) - Traslacion Procession

September 16, 2023 (Saturday) - Fluvial Procession

September 17, 2023 (Sunday) - Feast Day of Our Lady of Peรฑafrancia 

Schedule of Events as of August 21, 2023 As Issued by Naga City Government

(As of 18 July 2023)

In order for us to better understand and reflect during this year’s celebration of the Feast of the Divino Rostro and the Solemnity of Our Lady of Peรฑafrancia, the Archdiocese of Caceres revised the General Theme which was released in June. As such, all of us devotees and pilgrims are now called to prayerfully meditate on the theme “Journeying with Inรข in deepening our relationship with God in these Challenging Times” (“Naglalakbay kaiba ni Inรข sa pagpapusog kan satong relacion sa Diรณs sa mga agyat kan panahon”).  

In doing so, we remind everyone that “as devotees, we must not forget that the Peรฑafrancia Fiesta is a religious activity. A pilgrim must have a sacred experience during the celebration. Such experience must be similar to the experiences when one goes to a pilgrimage. [The] Peรฑafrancia Fiesta is not a town or a barrio fiesta. It is not a carnival or a mardi gras. It is not about street dances, variety shows and talent competition. Also, it is not a mere vacation.” (From page 57 of 'Top 30 Questions: Caring for our Over 300 Year-Old Devotion' by +Archbishop Leonardo Legaspi, OP, DD)  Viva la Virgen! Viva el Divino Rostro!

Traslacion 2022

BDO net income reaches ₱57.1 billion in 2022


BDO Unibank, Inc.’s (BDO) net income increased to P57.1 billion for the full year 2022 vs. P42.8 billion in 2021, driven by robust growth across its core businesses. This led to Return on Average Common Equity (ROCE) of 13.0% for the year improving to 15.3% for the fourth quarter, from 10.5% in 2021 and 12.8% in pre-COVID pandemic 2019.


Gross customer loans went up by 9% year-on-year on broad-based growth due to the economic re-opening. Total deposits rose by 14%, with Net interest income growing by 14% to P149.2 billion.


Non-interest income climbed by 17% to P71.5 billion bolstered by strong performance of our fee income, FX and fixed income client-flow businesses. 


Positive operating jaws continued with revenues up 15% for the year, versus operating expenses up 9% on back of new branches in underserved/rural areas and continued Information Technology spend for digital initiatives. 


Asset quality improved further, with Non-Performing Loan (NPL) ratio dipping to 1.95% and NPL coverage strengthening to 167%.  


Total capital expanded to ₱461.5 billion, with Capital Adequacy Ratio (CAR) and Common Equity Tier 1 (CET1) Ratio both comfortably above regulatory minimum levels at 14.5% and 13.4%, respectively. Book value per share rose by 9% to Php 86.20 YoY.


While macroeconomic challenges remain with persistent inflation and foreign exchange and interest rate volatility, BDO believes that its established business franchise and strong balance sheet will allow the Bank to surmount near-term risks and capitalize on structural growth opportunities to attain long-term sustainable growth. 

BDO Capital encourages more Pinoys to invest in RTBs


BDO Capital & Investment Corp. (BDO Capital) encourages more Filipinos to continue supporting government-issued bonds following the rousing participation of local investors in the 29th tranche of Retail Treasury Bonds (RTBs). 


BDO Capital President Eduardo V. Francisco said RTBs are safe, reliable and a convenient form of investment, which also helps finance the government's various undertakings across different sectors.


"We hope (Filipino investors) will invest again. It's a chance for them to also help the government finance its projects," he said.


The Bureau of the Treasury (BTr) was able to raise P283.71 billion from the issuance of the 5.5-year, 6.125% coupon rate RTB 29, allowing the BTr to shorten the nine-day offer period by two days. The overwhelming demand for RTB 29 fully affirms the investing public’s confidence in Philippine paper. On average, orders reached P130 billion per day, according to the BTr, during the offer period. RTB 29 will mature 5.5 years after the issue date, or on August 22, 2028.


After the offer period, investors can still purchase RTBs in the secondary market at prevailing market rates.


Gabriel Lim, Corporate Finance head of BDO Capital, echoed Francisco's stance underlining that the benefits of RTB investments are two-pronged.


"For every P5,000 (minimum) investment that you put in, not only will you earn interest income for yourself and your family, but you also become an active participant in government projects that benefit Filipinos," he said.


Proceeds from RTB 29 will help finance various government projects in agriculture, infrastructure, education, and healthcare sectors.


Development Bank of the Philippines and Land Bank of the Philippines were the joint lead issue managers of the offer. On the other hand, aside from BDO Capital, the other joint issue managers of RTB 29 include BPI Capital Corp., China Bank Corp., First Metro Investment Corp., PNB Capital and Investment Corp., SB Capital Investment Corp., and Union Bank of the Philippines.