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The Power Of Intangibles

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CitySavings Gears up for Asset Expansion

Power

Aboitiz Group, GET Philippines Launch BEST Bus, A Sustainable Mass Transport Model For Davao

Therma Visayas Initiates Marine Conservation Strategy In Toledo

Aboitiz Group Advisory to External Stakeholders regarding COVID-19

2019 Bankers’ Night

2019 Brigada Eskwela Cebu

Alyza Raymundo

There is now an opportunity to reshape Philippine real estate through communities that offer access to parks, amenities, and essential services with just the right middle-density sizing to be truly sustainable and future-proof.

AboitizLand advances community resilience in Foressa Mountain Town

High-density megacities on the one hand and suburban sprawl on the other have
overburdened modern settlements and the populations that live in them. Armed
with lessons from the pandemic, there is now an opportunity to reshape real
estate in the Philippines through communities that offer access to parks,
amenities, and essential services with just the right middle-density sizing to
be truly sustainable and future-proof. 

In a recent webcast by AboitizLand hosted by Issa Litton, executives from
Miami-based DPZ CoDesign, thought leaders on New Urbanism, and representatives
from Greenstrat made a strong case for comprehensive sustainability as it
applies to residential developments. The panel of speakers featured the
residential-recreational development Foressa Mountain Town in Cansomoroy,
Balamban, Cebu to illustrate the 7 Cs of what makes communities inherently
resilient.

Future residents of Foressa Mountain Town will enjoy luxurious privacy set
against the backdrop of picturesque mountains. Learn more at 
https://bit.ly/ForessaBrochure.Compact
A resilient community is characterized by right sizing achieved through the
efficient and equitable use of land area.

DPZ CoDESIGN partner Matthew Lambert says his organization believes that the
building blocks of a sustainable development are the neighborhoods. This is true
in historic places around the world, and is still identifiable in the
Philippines and in many of Cebu’s old urban cores like Talisay, Naga, and Carcar
which are centered on places of community importance, such as a church, plaza,
city hall, and/or school.

By structuring the development of the 300-hectare highland estate into
individual neighborhood increments, there is an opportunity to provide for all
property size preferences while giving Foressa residents relatively walkable
access to parks and other amenities.

Complete, Connected
In complete and connected neighborhoods, a thoughtful community design that
balances jobs, housing, retail, schools, and open space creates a critical mass
to sustain neighborhood businesses and amenities that are mixed and matched to
different uses and activities, according to Senen Ampil Antonio, a partner in
DPZ CoDESIGN and an expert resource of the United States Department of State and
the United Nations Environment Programme. This is then supported by a network of
diverse, well-connected, shaded, and pedestrian-friendly streets that are better
for cars, bikes, as well as people.

Greenstrat Senior Design Associate Marie Therese Santiano describes the network
of bike and hike trails in Foressa as a meandering story set amid lush
vegetation with scenic views of caves and a port in the distance. Whether for
camping, biking, or crossing rivers with safety ropes, the variety of
interconnected adventure trails were designed based on US standards.

Complex, Convival
To organize a grand mountain site with very different features, the masterplan
for Foressa brought together urban design, architecture, adventure and landscape
components within five thematic districts: Light which is currently under
construction, Water, Earth, Wood and Air. Antonio explains that each theme is
drawn from the characteristics of the surrounding environment and then
manifested in the design of the architectural details. In all of Foressa’s
complexity, the community is unified by the theme “Let nature be your
playground.”

“Convivial” refers to public spaces that are safe, engaging, accessible and
comfortable. In Foressa, the generous open spaces are designed into different
types: large spaces for easy and safe social distancing and community
activities, medium-size open spaces for parties, and intimate spaces for hanging
out with next-door neighbors.

Conserving, Cost-efficient
Paul Crabtree, who works on sustainable urban infrastructure projects as founder
and president of the Crabtree Group, Inc., discusses that one of the challenges
to conservation was to “craft a sensitive response to the mountain terrain. As
the design for Foressa was being done, we were looking at the grades (slopes),
what are the types of excavations that we will need to make in order to fit the
homes and streets into the mountainside in a sensitive manner.”

Joy Dawis-Asuncion, Senior Design Associate at Greenstrat, Inc. who works with
local government units on green advocacies, reveals that together with a local
engineering firm, they determined the areas prone to erosion. In collaboration
with environmental experts from the University of San Carlos, they then
identified endemic trees that can be planted in Foressa to prevent erosion on
the hillside, not only to protect adventure trails but also to prevent
sedimentation in natural waterways.

Go on a virtual tour of Foressa Mountain Town, AboitizLand’s sanctuary in the
mountains of Balamban, Cebu, at https://bit.ly/ForessaVirtualTour.Finally,
thoughtfully planned communities create and maintain value. Through design
approaches like green infrastructure which includes installing a rainwater
treatment facility; architectural strategies like high-pitched roofs; and
mindful urban planning, this enhances the potential for property value
escalation in its developments such as Foressa. Consequently, the occupants’
investment is protected and surrounding localities gain benefits over time.

Summing up the key elements of what makes a resilient community, Lambert quotes
a former mayor of Bogota, Enrique Peñalosa: “Designing a city can be a very
powerful means to generate happiness.” For Filipinos, the growth of sustainable
communities like Foressa represents hope that succeeding generations are
provided safer, more comfortable, and innovatively planned neighborhoods.

Interested parties may contact https://www.facebook.com/ForessaMountainTown/ or
inquire via the website https://aboitizland.com/contact-us/.

For over 25 years, AboitizLand has stayed true to its promise of creating better
ways to live through its thriving master-planned communities. It now looks to
further expand its reach by continuing to develop innovative and
fully-integrated communities in more locations across the Philippines. A
subsidiary of the Aboitiz Group, it is built on a firm foundation with a
hundred-year heritage of advancing business and communities. For more
information about AboitizLand, visit [http://www.aboitizland.com/]
www.aboitizland.com [http://www.aboitizland.com].

Land

Aboitiz Eyes

By Manuel “Bobby” Orig, Director, ApoAgua
Summarized from Chip Conley’s insightful TED Talk, “Measuring What Makes Life
Worthwhile,” February 2010

Chip Conley — hospitality entrepreneur, author. Know more at chipconley.com
[http://www.chipconley.com/]There is a relatively new standard for measuring
success in life and in business — it is based on the power of intangibles.

A country shrouded in mystery for centuries inspired this new standard with an
enlightened approach to measuring the intangibles of happiness as an indicator
of its success as a nation. This measure is called Gross National Happiness.

Leadership in the 21st century is all about learning how to measure and value
the intangibles in our lives since this is truly where value is created.

Finding Joy In One’s Job
Rebel hospitality entrepreneur and bestselling author Chip Conley is a leader in
and at the forefront of the sharing economy. At age 26, he founded a hospitality
company and transformed one inner-city motel into the second largest boutique
hotel brand in America.

Conley’s hotels carry a French name, Joie de Vivre, which in English means joy
of living. He loves to tell a story about how he was particularly struck by the
work ethic of a Vietnamese girl named Vivian who is employed in one of his
hotels. Vivian’s job is cleaning toilets. But she does an extraordinarily good
job and exudes intense joy in cleaning toilets. Conley could not believe what he
is seeing and asked himself, “How can one find so much joy in cleaning toilets?”

Vivian, a Vietnamese immigrant to the United States, stunned Chip Conley with
her incomparable happiness on the job — and it's not about cleaning toilets.He
started spending time with Vivian to find out what is fueling Vivian’s
enthusiasm for her work. What Conley discovered was a revelation to him.
Cleaning toilets was not actually the reason why Vivian finds so much joy in her
job. Actually, it is the emotional connection she created with her fellow
employees and the guests of the hotel. What gave her inspiration and meaning was
the fact that her job allowed her to take care of people who were far away from
home. Having immigrated from Vietnam, Vivian knew what it was like to be away
from home.

Marrying Maslow’s Hierarchy Of Needs Pyramid With Conley’s Transformation
Pyramid
That very human lesson with Vivian served Conley well in the wake of the dotcom
crash and the 9/11 terrorist attacks in the US in 2001, where the Joie de Vivre
hotel chain suffered the largest revenue drop in its history.

This was when Conley got reacquainted with the famous hierarchy of needs theory
created by Abraham Maslow. Reading Maslow’s theory, Conley recognized something
that is true of most leaders. One of the simplest facts in business is something
we often neglect, and that is we are all human. Each of us, no matter what our
role in business, has some hierarchy of needs in the workplace. 

In the midst of the crisis, Conley realized that his role in life was to channel
Maslow’s hierarchy of needs theory from the individual to the collective. He
took the five-level hierarchy of needs pyramid for the individual and turned it
into what he calls the Transformation Pyramid of survival, success, and
transformation for the collective or organizations.

Maslow’s Hierarchy of Needs (green triangle) and Conley’s Transformation Pyramid
for the Collective or Organizations (blue and yellow triangles)That we are all
human is not just fundamental in life, it’s fundamental in business. And he
started asking questions about how his organization was actually addressing the
higher needs of his employees and customers.  He realized they had no metrics.
So Conley started asking: “What kind of metrics could we use to actually
evaluate our employees’ sense of meaning and our customers’ sense of emotional
connection with us.” 

They started asking their employees: “Do they understand the mission of our
company? Do they feel like they believe in it? Can they actually influence it?
Do they feel that their work has an impact on it? 

And they started asking their customers: “Do they feel an emotional connection
with us in seven different ways.” 

Conley was pleasantly surprised that as they sought answers to these questions
and started giving attention to the higher intangible levels of the pyramid,
they found that they created loyalty. Their customers’ loyalty skyrocketed.
Their employee turnover dropped to one-third of the industry average. And during
the five-year dot-com bust, their revenue and profit growth tripled. 

This prompted Conley to study closely the factors that caused the upswing in his
hotel’s  performance. He found out that it is their paying close attention to
the intangibles that is influencing these results.

Conley likes to cite the case of MasterCard that built a 15-year advertising
campaign around the idea that the best things in life are “priceless.” He gave
the ad executives due credit for getting this campaign right. Today, we live in
an era when what’s truly valuable is the intangible.

A quarter century ago, 80 percent of the cost of the value of a computer was in
the tangible hardware. Today, in a time when “knowledge workers” predominate,
the opposite is true – 80 percent of the value of a personal computer is in the
software, an intangible.

Look at Apple, the most admired company today in America (according to a Fortune 
 magazine survey), and analysts tell us that 80 percent of Apple’s value appears
off its balance sheet in intangibles that our 20th century version of leadership
can’t even fathom or calculate.

Conley went to Stanford Business School in the early 1980’s and was taught to
manage what he could measure. He asserts that it’s time for us to reconsider
what we count.

As a founder and CEO of a company for two dozen years, Conley knows how to count
profitability and cash flow. These are the lifeblood of any business, especially
in hard economic times.

But here’s the reality that most CEOs aren’t talking about: Profitability is a
lagging indicator of success, at least in the long term.

Three Harvard Business School professors three decades ago proved that a
“service profit chain” exists such that:

 * a great corporate culture (an intangible) creates employee engagement (an 
   intangible) that leads to customer loyalty (an intangible) that ultimately
   creates a profitable and sustainable business (a tangible).

How Do We Measure The Intangibles?
As leaders, we understand that intangibles are important but we don’t have a
clue how to measure them. Especially in the light of Albert Einstein’s
assertion, “Not everything that can be counted counts, and not everything that
counts can be counted.” 

This prompted Conley to ask “If that which is most valuable in our life and our
business actually can’t be counted or valued, aren’t we going to spend our lives
just mired in measuring the mundane?

It was a question of what counts in life and business that led Conley to take
his CEO hat off for a week and fly off to the Himalayan peaks, to the Kingdom of
Bhutan. This place was shrouded in mystery for centuries. But the country has
moved from the survival base of the pyramid to becoming a transformational role
model for the world.

Kingdom of Bhutan in the Himalayas (Photo from: 
https://curlytales.com/the-utopian-kingdom-of-bhutan-5-compelling-reasons-to-visit/
)The King of Bhutan was a teenager when he became king. He ascended the throne
in 1972 at age 17 when his father passed away. On a trip to India early in his
reign as king, he was asked by an Indian journalist about the size of the
Bhutanese Gross Domestic Product (GDP). The king responded, “Why are we so
obsessed with Gross Domestic Product? Why don’t we care more about Gross
National Happiness?” In essence, the king was asking that we consider an
alternative definition of success which has come to be known as GNH or gross
national happiness. Conley saw this as a historic moment because this was the
first time in almost 200 years that a world leader suggested that we measure the
intangibles of happiness as an indicator of progress.

For the next three dozen years as king, this king actually started measuring and
managing around happiness in Bhutan -- including, just recently, taking his
country from being an absolute monarchy to a constitutional monarchy with no
bloodshed, no coup. Bhutan is the newest democracy in the world.

Jigme Khesar Namgyel Wangchuck is the Druk Gyalpo or "Dragon King" of the
Kingdom of Bhutan.The King and Queen of Bhutan among their subjectsWanting to
know more, Conley spent time with the leaders of the GNH movement in Bhutan and
really came to understand what they were doing. He asked the prime minister of
Bhutan “How can you create and measure happiness which evaporates?” The prime
minister who is a very wise man responded, “Bhutan’s goal is not to create
happiness. We create the conditions for happiness to occur. In other words, we
create a habitat for happiness.” He said they have a science behind the art and
they have actually created four pillars, nine key indicators, and 72 different
metrics that help them measure their GNH.

One of these indicators is “How do the Bhutanese feel about how they spend their
time each day?” Conley found this a very good question. “How do you feel about
how you spend your time each day?” Time is one of the scarcest resources in the
modern world. And yet this intangible piece of data doesn’t factor in our GDP
calculations. 

Former U.S. presidential candidate Robert Kennedy decried that “The Gross
National Product measures everything except that which makes life worthwhile.”

What’s true for a nation is also true for a company. Conley’s boutique hotels
makes a practice of counting intangibles in evaluating how the business is
progressing. He recently sold a majority share in his company to a well-regarded
player in the hospitality business which made the investment because of his
hotel’s strong achievements in intangibles.

Conley understands that a company is a magnet for people – whether they be
employee, customers, or investors – and that a reputation lasts a lifetime and a
company’s reputation can last more than a human lifetime.

Admired firms such as Apple, Southwest Airlines and Google have created the kind
of intangible-driven companies that are helping to transform the world. 

At the end of the day, it’s all about human needs. The best business executives
in the world are those who truly understand the psychology and the nature of
that complex beast that’s at the heart of all business transactions: you and me.

The Emotional Equation
As Conley spent his time in the Himalayas, he started to imagine what he calls
an emotional equation. It focuses on his readings of Hyman Judah Schachtel who
wrote “The Real Enjoyment of Living.” Schachtel suggested that happiness is not
about having what you want. Instead, it is about wanting what you have. 

Conley figures that the Gross National Happiness of the Bhutanese can be equated
with Schachtel theory of happiness and offers that this equation articulates
what it means: happiness equals wanting what you have – imagine gratitude –
divided by what you want or gratification.

The Bhutanese are not on some aspirational treadmill, constantly focusing on
what they don’t have. Their religion, their isolation, their deep respect for
their culture and now the principles of their CNH movement all have fostered a
sense of gratitude about what they do have.

The oft-quoted phrase “If the only tool we have is a hammer, everything starts
to look like a nail,” is also attributed to Abraham Maslow. Conley posits that
we’ve been fooled by our tool. GDP has been our hammer. And our nail has been a
19th-and-20th century industrial era model of success. Yet 64 percent of the
world’s GDP today is in the intangible industry we call service, and only 36
percent is in the tangible industries of manufacturing and agriculture. So it’s
time that we get a bigger toolbox. It’s time that we get a toolbox that doesn’t
just count what’s easily counted – the tangible in life or the first two levels
of Maslow’s hierarchy of needs (physiological and safety), but also count what
we most value -the things that are intangible in life (belonging, esteem,
self-actualization).

Viewing Things From The Perspective Of Calling
Conley realized that economists measure everything in tangible units of
production and consumption as if each of these tangible units is exactly the
same. They are not the same. He maintains that as leaders what we need to learn
is that we can influence the quality of that unit of productivity by creating
the conditions for employees to live their calling. In Vivian’s case, her unit
of production is not the tangible hours she works but the intangible difference
she makes during her hours of work. Her work is her calling.

Conley maintains that an organization’s goal should be to move people up the
levels so that everyone is working on their  “calling,” motivated intrinsically
by achieving greater meaning. Organizations which only offer money and
recognition to barter with employees’ performance, will find those external
motivators unsustainable and  ineffective.


--------------------------------------------------------------------------------

Bobby's notes
Following Conley’s line of thinking, we can see that:

 * If employees view their work as a job, it means their need is for a source of
   livelihood which can be satisfied mainly by tangible things, i.e. pay and
   benefits.
 * If employees view their work as a career, it means their need is for an
   occupation to achieve progress which can be satisfied mainly by a combination
   of tangible, i.e. pay and benefits, and intangible things, i.e. recognition,
   challenging work.
 * If employees view their work as a calling, it means their need is to do that
   which will allow them to serve a purpose larger than themselves. And this is
   satisfied mainly by creating the intangible conditions that allow them to
   find meaning and purpose in their work.

Teams populated mostly by people who view their work as a calling, are
invariably the ones that can contribute more to raising the company’s products
and services to levels of excellence, and contribute more to its profitability
and growth.


--------------------------------------------------------------------------------

Conclusion
Conley asks: “Why is it that business leaders and investors quite often do not
see the connection between creating the intangible of employee happiness with
creating the tangible financial profits of their business?” He believes that we
don’t have to choose between inspired employees and sizable profits, we can have
both. In fact, quite often it is the inspired employees that make the sizable
profits.

So what the world needs now in Conley’s opinion, is business leaders and
political leaders who know what to count. We count numbers. We count on people. 
What really count is when we actually use our numbers to truly take into account
our people. Conley learned the power of harnessing the intangibles to drive
performance on the tangibles from an employee of his hotel whose job is cleaning
toilets and from the king of a country. 

What can you start counting today? What one thing can you start counting today
that actually would be meaningful in your life, whether it’s your work life or
business life?

Leadership in the 21st century is all about learning how to measure and value
the intangibles in our lives since this is truly where value is created. Are you
focused on the intangible inputs in your life or company, or are you purely
focused on the tangible outputs?


Watch Chip Conley's TED Talk “Measuring What Makes Life Worthwhile” below:


--------------------------------------------------------------------------------

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Jomes Kemuel Ibanez

By Roxanne Romares

2020 was indeed a challenging year and the education sector most especially was
not spared from the massive pressure on distance learning and teaching brought
about by the pandemic. The series of typhoons that hit different parts of the
country caused immense destruction to school infrastructure and learning
materials across Luzon areas.

School buildings and furniture were damaged, technology equipment and supplies,
learning materials, and printed modules for remote distance learning were ruined
and washed away due to massive flooding.

In response to the Department of Education’s (DepEd) call for help,  City
Savings Bank, Inc. (CitySavings) mobilized calamity related assistance through
various relief distributions and education recovery support initiatives to the
typhoon-affected areas in Regions 2, 3, NCR, 4A, 4B and 5.

Over 1,800 relief goods (rice, canned goods, water, vitamins, coffee) and
hygiene kits (bath soap, toothpaste, toothbrush) were distributed as immediate
aid.

“Maraming-maraming salamat po sa CitySavings para sa grocery na relief goods na
ibinigay sa aming pamilya. Napakalaking tulong po nito lalo na ngayon na
nasalanta po kami, binaha gawa ng mga nagdaang bagyo. Sa pamunuan ng Calamba
Bayside Integrated School at mga guro, isang taos-pusong pasasalamat at naging
daan kayo para mabigyan kaming mga evacuees ng relief assistance mula sa
CitySavings,” said Clemente Atesora, an evacuee from the said school.

The Bank also donated printers, inks, and bond papers to assist in the
replacement and reproduction of self-learning modules (SLMs) to 75 schools and
divisions in Luzon.

“The corporate social responsibility projects of City Savings Bank have always
been felt by the SDO of Camarines Sur, from the printing of SLMs to the relief
operations due to typhoons Rolly and Ulysses. Thank you very much for being our
active partner,” said Loida N. Nidea CESO V, Schools Division Superintendent –
Division of Camarines Sur.

CitySavings Reputation and Brand Management Head Paula Ruelan emphasized “As we
usher in the new year, we are committed to supporting our education sector by
providing resources the best way we can.  We advocate equal access to quality
education despite the adversities brought by these natural calamities during
this time of global health crisis.

Guided by the Aboitiz Group’s purpose to drive change for a better world,
CitySavings has pledged its support to DepEd under the government’s Basic
Education - Learning Continuity Plan (BE-LCP) for the school year 2020 - 2021.

CitySavings provides recovery assistance to schools

Aly Virrey

Globe Telecom and Aboitiz InfraCapital (AIC), the infrastructure arm of the
Aboitiz Group, join forces in accelerating the availability of community
broadband access in select barangays in Davao and Cebu, through the former’s
KonekTayo WiFi service.

Formerly known as KapitWiFi, KonekTayo WiFi is a fast and secure community WiFi
service that aims to provide households with affordable internet. With KonekTayo
WiFi, customers simply need to connect to a KonekTayoWiFi hotspot, purchase a
promo and surf all day.

Ernest Cu, Globe President and CEO, says, “Our focus is always to serve and
empower Filipino families and communities, particularly those with limited
resources. KonekTayo WiFi promises the affordability, accessibility and ease of
use that most low-income Filipino homes need. And this partnership with AIC
strongly complements our efforts to boost network capacity and coverage through
infrastructure in a cost-efficient manner.”

Cosette Canilao, Aboitiz InfraCapital President and Chief Executive Officer
shares, “We are pleased to be working with Globe on this innovative project that
aims to make the internet accessible to underserved Filipinos in different parts
of the country. This new partnership is consistent with our commitment to help
uplift lives through better infrastructure, especially amidst the COVID-19
pandemic.”

Using AIC’s existing pole network located in the said areas, KonekTayo WiFi will
be deployed for fast and reliable internet within communities, allowing
customers to access KonekTayo WiFi from their homes. This is in line with the
long-standing mission of KonekTayo WiFi to connect more Filipino communities and
empower them with an internet service that is well within their means.

To avail of the service, a customer simply has to connect their WiFi-enabled
device, register their mobile number, and purchase a KonekTayo WiFi package
which starts for as low as P15 for 1GB, valid for one day.

As of this year, the KonekTayo WiFi is present in select residential areas in
Metro Manila, Cavite, Laguna, Cebu, Tacloban and Iloilo, with plans of more
rollouts nationwide in 2021.

Infrastructure

Globe partners with Aboitiz InfraCapital to provide affordable internet in key urban VisMin cities

City Savings Bank, Inc. (CitySavings or the Bank) issued last December 22, 2020,
a total of Php 5 billion of Corporate Notes, of which Php 1.5 billion will
mature in three years and Php 3.5 billion will mature in five years.
CitySavings’ Notes issuance was undertaken amidst a favorable interest rate
environment and was priced at the lowest end of the pricing range.

The proceeds will be used to finance the Bank's asset expansion, particularly
its loan portfolio, to extend the maturity profile of its liabilities, and to
fund the Bank's other general corporate requirements.

CitySavings was incorporated in Cebu City in 1965 as the Cebu City Savings and
Loans Association. It has since expanded its branch network and business
operations, establishing itself as a major player in the country's thrift
banking industry and earning a reputation for outstanding operational efficiency
and exemplary performance and service to its clients. It was acquired by Union
Bank of the Philippines in 2013. Since then, the Bank has maintained its leading
market position in offering salary loans to Department of Education public
school teachers and employees and continued its path to growth, successfully
completing key acquisitions, growing its nationwide network to 149 branches, and
expanding its product offerings to include pension loans and motorcycle loans to
the Philippine public. The Bank has kept true to its tagline that "Simple is
Good" and brand promise of "Straightforward Banking", leading the thrift banking
industry by simplifying and streamlining loan products and strengthening
operational efficiencies while focusing on customer engagement for the benefit
of its clients. For this, the Bank has been recognized by Global Business
Outlook as the Fastest Growing Savings Bank - Philippines in 2019.

"We believe that CitySavings is a key player in the Philippine banking system,
as it provides financing to our public educators who in turn play a critical
part in molding and strengthening our country's future prospects", said Ed
Francisco, President of BDO Capital & Investment Corporation. He further added,
"we look forward to supporting CitySavings in its future endeavours which we see
as our contribution to strengthening our social infrastructure."

President and CEO Lorenzo Ocampo said, “For nearly six decades CitySavings has
built a trusted reputation.  We will continue to grow and evolve to become the
finest mass market bank in the Philippines as we introduce more innovative
solutions for a seamless customer experience.”

The offer received strong demand from financial institutions with
oversubscription in demand, making the Bank well-positioned for future capital
market deals.

BDO Capital & Investment Corporation acted as Lead Arranger and Bookrunner with
Development Bank of the Philippines, Philippine National Bank, and Robinsons
Bank acting as Co-Arrangers to the issuance."

THE NOTES HAVE NOT BEEN AND WILL NOT BE REGISTERED WITH THE SECURITIES AND
EXCHANGE COMMISSION (“SEC”) UNDER THE SECURITIES REGULATION CODE OF THE
PHILIPPINES AND ITS IMPLEMENTING REGULATIONS (“SRC”). ANY FUTURE OFFER OR SALE
OF THE NOTES IS SUBJECT TO THE REGISTRATION REQUIREMENTS UNDER THE SRC UNLESS
SUCH OFFER OR SALE IS MADE UNDER CIRCUMSTANCES IN WHICH THE NOTES QUALIFY AS
EXEMPT SECURITIES OR SUCH OFFER OR SALE QUALIFIES AS AN EXEMPT TRANSACTION UNDER
THE SRC.

THE NOTES ARE SECURITIES EXEMPT FROM REGISTRATION UNDER SECTION 9.1(e) OF THE
SECURITIES REGULATION CODE (SRC) AND SECTION 9.1.1 OF THE 2015 IMPLEMENTING
RULES OF THE SRC AND AS SUCH ARE NOT REQUIRED TO BE REGISTERED UNDER THE
PROVISIONS OF THE SRC BEFORE THEY CAN BE SOLD OR OFFERED FOR SALE OR
DISTRIBUTION IN THE PHILIPPINES.

Gia Mendoza

In the #LevelUp campaign launched by AEV HR early this year to respond to the
engagement Q12 item on learning and growth opportunities, the campaign included
LIVE learning sessions by Team Leaders and Team Members for A-People across the
Aboitiz Group. Although working in our homes may have disrupted our daily
routines during the lockdown, the opportunity to learn did not stop.

The program #LearningLunes was born to engage the team members at home and
further promote the #StudentAlways mindset, AEV HR shared learning platforms,
books, and materials at the start of each week. AEV HR stays committed to
driving change for a better world, starting with its greatest asset, the
A-People. A number of #LearningLunes sessions, which covered personal interests
to core learning programs, were livestreamed through AGORA 2.0, Aboitiz’s
Workplace by Facebook. Other Mondays were set aside for team leaders who shared
a list of books or online courses that resonated with them and which they hoped
to impart with A-People.

Sessions were conducted by AEV’s very own team members who shared their
expertise on certain topics relevant today such as Continuous Improvement,
Digital Marketing, Google Data Studio, Stakeholder Engagement, Receipts 101, and
Livestreaming Capabilities. #LearningLunes also had sessions on Data Analytics
and Investments 101 which were hosted by our partners from the UnionBank of the
Philippines, the foundations of Project Management with AboitizPower, and
International Operations with executives from the Food Group. This program
engages Team Leaders and Team Members with a love of learning across the Group.

Soft skills were also covered which aims to help the A-People improve their
personal and professional life such as Personal Branding, Personal Finance,
Disaster Risk & Resilience, and Executive Presence.

> As a DRR advocate, sharing of knowledge and experience is a responsibility and
key to influence. The #LearningLunes has inspired me to continue the advocacy
and its the best way to cultivate mastery. 

– Fred Dalumpines, Aboitiz Foundation (Speaker for Disaster Risk & Resilience)
To help the A-People adjust to the new normal, Resilience was also a topic that
was heavily emphasized in #LearningLunes. There were sessions solely for this
topic and round table discussions held with guest speakers from AEV to talk
about and discuss best practices and the challenges they have faced. In the
coming year, Building Resilience will now be a part of Aboitiz Academy’s
Foundational Core Programs as this was deemed as an important skill to have.

The new normal has changed the way we learn and interact with one another. After
completing seventeen live sessions from April 2020 with speakers from AEV and
other business units, the program received 13,036 after live views and a 4.70
customer satisfaction rating. At this point, it is safe to say that digital
learning in Aboitiz is here to stay and the demand for it will only continue in
the years to come. 

Join our Talent Community today and see for yourself how you can drive change
for a better world.

aboitiz equity ventures

‘#LearningLunes’ For Team Members, By Team Members

> Thank you to Davao Light and GET Philippines for providing Dabawenyos with a
safer and more convenient transport experience, and for helping bring Davao City
closer to a more sustainable future. 

– Mayor Sara Duterte, Davao City

--------------------------------------------------------------------------------

In partnership with the city government of Davao, the Aboitiz Group through
AboitizPower subsidiary Davao Light, GET Philippines, and QEV Technologies
launched the BEST Bus project — the first fully electric, free-ride shuttle
service in Mindanao, making Davao among the first pilot cities in the country.

BEST, which stands for ‘Business for Environmentally Sustainable
Transformation’, presents the medium as the message. As they are part of
people’s daily lives, these electric mass transport vehicles promote the mindset
of “be green, be digital, and be kind” by providing the full clean technology
experience. It advocates inclusive benefits that have a lasting impact on the
environmental sustainability of Davao City and the country through significantly
reducing harmful emissions, maximizing available new technologies, and
encouraging inclusive benefits for the community.

Davao City Mayor Sara Duterte expressed her gratitude to Davao Light and GET
Philippines for supporting the city’s various initiatives over the years. “Thank
you to Davao Light and GET Philippines for providing Dabawenyos with a safer and
more convenient transport experience, and for helping bring Davao City closer to
a more sustainable future. You have  provided invaluable assistance in the areas
of health, the economy, the  environment, and now, in the field of
transportation,” she noted.

She stressed that the project is a welcome initiative as it is aligned with the
city’s efforts to provide efficient and environmentally sustainable
transportation options for the riding public.

> These buses marry modern convenience, functionality, and environmental
 sustainability, and will be a treat for Dabawenyos this Christmas season – for
not only are they fully electric and zero-emission buses, but they are also
 equipped with internet connectivity, and ramps and wheelchair slots for
 persons with disabilities (PWDs). 

– Mayor Sara Duterte, Davao City
Davao Light President & COO Rodger Velasco and Davao City Mayor Sara Duterte
listen in as Aboitiz Group President & CEO Sabin Aboitiz shares his
congratulatory message on the BEST Bus project via Zoom.“We are grateful to have
the continued trust and support of our stakeholders not only for this project
but in many more undertakings,” said Sabin M. Aboitiz, Aboitiz Group President &
CEO, who affirmed the important role of the community in the BEST Bus project
that combines technology and good governance to create a platform that improves
quality of life for all. 

> Congratulations to Mayor Sara, the Davao City government, and all of our
stakeholders on the launch of Davao’s first fully electric bus system. Thank you
for making it happen. We also thank GET Philippines and QEV Technologies Spain
for being our partners in this public-private endeavor. BestBus serves as our
contribution to one of the UN Sustainable Development Goals by providing
innovative solutions for a cleaner, safer, and kinder world. 

– SMA
The Aboitiz Group continues to be committed to support Davao City’s economic
growth and community development. SMA emphasized that Aboitiz has a long history
with the city, starting with the city’s 911 system, which runs on Davao Light’s
electric posts network. There is also Cleanergy Park, which the an icon of
biodiversity in the city, and operates Apo Agua Infrastructura, which is in the
midst of building an alternative water source for the city’s future water needs.

Victor Silva

Therma Visayas, Inc. (TVI) is no stranger to visitors to the plant. TVI has
welcomed a range of guests inside the facility, from business partners to
government officials, who have come to conduct inspections, strengthen
relationships, or create opportunities for collaboration and benchmarking.

Even with the vast experience of the TVI team, nothing could have prepared them
for their unexpected guest on November 6, 2020. They could only stop and stare,
and take photos of who (or what) decided to casually pass by.

The whale shark, locally known as butanding, is a migratory species that
regularly passes through the coastal areas of South Luzon and the Visayan
islands. These creatures frequent tropical waters and areas where plankton are
abundant as these are their main source of food. Officially, the Philippines
hosts the second largest known population of whale sharks in the world according
to a study by Wildbook for Whale Sharks. 

Though the visit was short and sweet, it was a testament to AboitizPower's
promise of providing reliable and reasonable power created in the most
responsible way. Therma Visayas holds in high regard the impact of its
operations and takes proactive approaches to ensure the well-being and
preservation of its immediate environment.

The Coastal Resource Management Program (CRMP) is one of the initiatives
implemented by Therma Visayas for the rehabilitation, enhancement, and
preservation of its immediate coastal environment.

Along with other coastal resources management programs implemented around the
country, Therma Visayas hopes that the implementation of this program enhances
the livelihood support provided to Toledo communities while ensuring the
long-term preservation of its coastal resources. The CRMP includes education and
training, resource management, and livelihood development tailor-fit for Toledo
communities.

Currently in its first phase, the CRMP is in the process of identifying the
biophysical and socio-economic profiles of Toledo and the status of its
resources. This initial phase is crucial to the overall impact of the project as
it evaluates the current marine environment and its available resources. It also
involves the identification of community members from the local government and
community groups to be part of a working group who will be consulted on the
projects to be created for the Toledo community.

> Therma Visayas intends to continue its environmental responsibility not only in
greening programs for the upland but also by managing its coastal resources. We
plan to help equip our coastal community to have livelihood and other activities
that can sustain the resources and natural productivity of the marine ecosystems
for future generations.

– Argel Cabañero, Safety, Health, and Environment Manager, TVI
AboitizPower subsidiary Therma Visayas, Inc. is the operator of the 340-megawatt
Toledo baseload Power Plant located in Brgy. Bato, Toledo City, Cebu. TVI is
certified in three ISO standards, namely Quality Management (ISO 9001:2015),
Environmental Management (ISO 14001:2015), Occupational Health and Safety
Management (OHSMS 45001:2018). The facility is an 80-20 joint venture between
Aboitiz Power Corporation and Vivant, Corp. respectively. Together with Therma
Luzon, Inc. and Therma South, IncThe three primarily compose the Coal Business
Unit of AboitizPower.

This year has brought upon us perhaps this generation’s biggest challenge, but
that has not stopped the A-People’s willful dedication to advancing business and
communities. The first-ever AEV Year-End Virtual Celebration salutes the
dedicated service excellence, exceptional loyalty and hard work, and the
invaluable contributions our A-People have accomplished for the year. This
year’s theme “PADAYON!”, which in visayan means “to continue” or “move forward”,
seems fitting for the resilience and strength exuded by the team leaders and
team members alike. 

The A-People work hard, but they also know how to acknowledge and recognize hard
work. Despite the lack of a physical gathering to raise their glasses to the
year that has been, AEV’s Team Leaders and Team Members gathered around for a
2-hour virtual celebration of the rollercoaster ride that is 2020.

2020 SERVICE AWARDEES
The service awardees, all of whom practice and live out the Group’s core values
in their professional lives, are a true testament that with the Aboitiz Way they
have withstood the test of time. This year, the Group awarded 22 dedicated and
hard-working A-People from 10 years to 30 years of service from Aboitiz Equity
Ventures, Inc.

AEV's Service Awardees from 10 years to 30 years.THE ABOITIZ WAY AEV TEAM AWARDS
2020
One of the most anticipated programs every year is The Aboitiz Way AEV Team
Awards. This program honors projects that live out the time-honored core values
of Integrity, Teamwork, Innovation, and Responsibility which are also the basis
of the awards’ categories and criteria. Here is an overview of each category:

INTEGRITY: These are projects that managed to excel in delivering the Brand
Promise to our customers and untiring in terms of improving customer service to
exceed customer satisfaction. These efforts were also successful in bringing or
expanding our markets and customers.

TEAMWORK: This category champions projects that foster a collaborative
atmosphere within teams, inter-CSUs, or across the group. These are projects
that broke silos and made a significant impact to increase team member
engagement.

INNOVATION (Improvement): This category gives recognition to projects that seek
continuous improvement, may it be in service, process, or product. Recognition
Night is our way of celebrating each other, to shine a spotlight on our fellow
team members, and honor each other’s achievements in a big way.

INNOVATION (Breakthrough): Projects that are bold and pioneering, projects that
are first of its kind for the Aboitiz Group. These initiatives are cutting edge,
trendsetting, and truly, speaks of innovation.

RESPONSIBILITY: category champions projects that were successful in balancing
the interest and involving our stakeholders to ensure that they have a fair
share of the value creation we are involved in. These projects also advocate
sustainability and care for our environment.

Despite the rough year it has been, these projects speak for themselves that in
times of roadblocks, the A-People band together to create more efficient ways of
working. A grand total of sixteen entries - the most the program has received
since its inception- vied under various categories for this year. The projects
were carefully screened by the panel of judges composed of AEV executives and
leaders from various departments.

And the winners are....

INTEGRITY
This category’s winner really delivered what they promised. Human Resources’
Aboitiz Academy’s Digital Library is a completely new way of administering
Learning and Development at Aboitiz in response to the business strategy,
changing needs of our team members, advancements in technology, and global best
practices. The Aboitiz Academy includes digital learning sessions, core program
e-learning modules, LinkedIn Learning platform, and the virtual Mentoring
Partnership Program. All of these are Groupwide in scope and are actively
participated in by all our business units.

TEAMWORK
Teamwork makes the dream work. Navigating the COVID-19 Challenge by Human
Resources and Risk Management Team alongside Government Relations and Facilities
Management, nabbed this award. In this category, different CSUs teamed up
against COVID-19 to protect the Group’s greatest asset, the A-People. The
COVID-19 Technical Working Group which is composed of team members from other
BUs and AEV  Risk Management, Human Resources, GovRel, Security, IT, and
Facilities Management was formed to spearhead initiatives to mitigate the impact
of the global pandemic. The TWG developed policies and protocols to mitigate the
risks brought about by COVID-19 and redefine the new normal in the workplace.
TWG efforts include but are not limited to, Return to Work protocols, RTK/PCR
testing, provision of PPEs, use of Safepass for contact tracing, group
contribution for no-work-no-pay subcons, and campaigns on physical and mental
wellness.

INNOVATION (Improvement)
The Virtual Annual Stockholders Meeting by Legal, Investor Relations, and
Reputation Management won the hearts of our panelists with this initiative. In
the middle of a global pandemic, AEV was able to hold its first Virtual ASM on
schedule while most companies have decided to avail of the extension granted by
the SEC to comply with this yearly requirement. With an innovation mindset, AEV
was able to adapt to the rapidly changing environment due to the pandemic, saved
the company millions, and ensured that regular activities remained unimpeded
with no delays. Congratulations again! What an amazing project.

INNOVATION (Breakthrough)
Definitely deserving of this award, the Mobile Workforce Enablement by
Information Technology really helped in the daily lives of the A-People. In
2017, IT Department’s vision and one of the pillars is to support the business
by enabling workforce mobility, wherein work is redefined as something we do and
not a place to go to. The 3-year initiative roadmap was established and
implementations were made year after year. The full realization of this
initiative was appreciated when the pandemic hit the world in March 2020. The
business and infrastructure were resilient, we immediately transitioned to a
Work-From-Home environment with no impact on operations.

RESPONSIBILITY
This year’s winner goes to Boracay Balabag Wetland by Government Relations and
Reputation Management Department. In 2018, the Aboitiz Group signed a Memorandum
of Agreement to adopt and revive Wetland No. 4 in Boracay.  A three-year project
in collaboration with the DENR, DOT, TIEZA, DPWH, DILG to rehabilitate and
convert a one-hectare lagoon into a sustainable, linear urban park by reviving
its biodiversity (endemic vegetation) for locals and tourists to enjoy while
improving its water quality. Once completed, it will be showcasing three
distinct features: a recreational low-impact eco-tourism design; educational
generating awareness on the importance of wetlands; and experiential by allowing
stakeholder participation in the cleanup, maintenance, and protection
initiatives.

2020 TRIBUTES
The Year-End celebration also gave tribute to the organization’s most loyal
members. When we talk about core values, these people have lived out and imbibed
in them the Aboitiz values throughout their stay in the Group, up until their
retirement. This is not just about tenure, but also pertaining to the impact
these A-People have made during their time in the company and the legacy they
will be leaving with us. That is why, it is only right to pay tribute to these
wonderful A-People.

These A-People were celebrated as they espoused what it means to live and
breathe the Aboitiz Way. Tributes from AEV are:

ONWARDS AND FORWARD
The year 2020 has been a whirlwind for everyone, from ash fall scattering all
over the metro to strong typhoons and - who can forget? - a global pandemic. The
year has not just challenged the team leaders and team members on resiliency and
simply survival, but as a collective, this has pushed them to go above and
beyond their call of duty especially when it comes to living out the Brand
Promise and Group Purpose, and that’s the achievement we all raise our glasses
to.

The A-People came out stronger than they did coming into the year and ready to
face what tomorrow will bring, hand-in-hand, as #OneAboitiz. Padayon, A-People!

AEV’s “Padayon” Closes The Year By Celebrating A-People

Rachelle Ann Real-Tolentino

Sealing the Tech Up Pilipinas partnership. On December 16, 2020, Union Bank of
the Philippines and the Asian Institute of Management Scientific Research
Foundation signed a memorandum of agreement with the goal to help address the
demand for skills and talent in data science and innovation in the country as
well as the region. Dr. Jikyeong Kang, President and Dean of AIM and Michelle
Rubio, Executive Vice President and Chief Human Resource Officer of UnionBank
formally inked the agreement in a virtual ceremony.In pursuit of co-creating
innovative solutions for a better world, Union Bank of the Philippines inked a
PHP32.4-million partnership with the Asian Institute of Management (AIM) to
jointly develop initiatives on technology, innovation, and digital skills, which
will allow more Filipinos to upskill themselves in a post-pandemic labor market.

Dubbed ‘Tech-Up Pilipinas Fund’, the donation is set up as a vehicle to align
with the parties’ common objectives of building the capabilities of people to
innovate through digital learning programs. There has been a rise in demand for
skills and talents in these fields as industries worldwide adapt to the change
brought about by the coronavirus pandemic.

UnionBank’s donation complements a more significant undertaking of the Aboitiz
Group’s School of Innovation, Technology, and Entrepreneurship. The fund covers
a portion of the bank’s PHP100-million contribution to ASITE, which is committed
over the next five years, which is seen to also boost AIM’s position as the best
in data science in Asia as well as strengthen UnionBank’s program to build the
skills of the future by training Filipinos in data science, blockchain, machine
learning, and information technology, among others.

> We welcome this opportunity with UnionBank so we can work together on specific
innovation areas. With the intake we have for the courses being supported by
UnionBank, we can see that the school will be one of the most sought-after
learning institutions in the region. 

– Dr. Jikyeong Kang, President and Dean, AIM
The infusion of UnionBank’s donation will boost AIM’s commitment to training
future-ready leaders who can create, develop, and sustain new engines for growth
as industries begin to rebuild in the aftermath of the global health crisis.

> This is our way of fulfilling our promise to Tech Up Pilipinas by helping
students and young professionals adapt to the VUCA (volatile, uncertain,
complex, ambiguous) world we live in today. We are honored to partner with AIM
so both our organizations can leverage our respective innovation and digital
strengths to future-proof the skills of many of our people.

– Michelle Rubio, Chief Human Resource Officer, UnionBank
The partnership will pursue joint research activities, fund a data science chair
program, provide financial assistance for students, sponsor capstone projects,
conduct talent pooling, and provide career counseling and job fair programs.

UnionBank is a publicly listed company and one of the top ten banks in terms of
assets in the Philippines. Through its Tech Up Pilipinas sustainability program,
the bank is leveraging on its digital transformation capability to make
inclusive prosperity, sustainable finance, and digital transformation happen by
co-creating innovative solutions for a better world.

UnionBank's Tech-Up Pilipinas Fund Boosts AIM’s Innovation School

In response to the country’s rapidly changing energy needs, Hedcor recently
inaugurated through a virtual ceremony the group’s first Regional Control
Center. This control center connects to Hedcor’s five hydro facilities in Davao
City and its four hydro facilities in Davao del Sur, allowing all nine plants
across Southern Mindanao to be operated remotely from a single control room.

During the virtual inauguration, Hedcor Vice President for Operations Rolando
Pacquiao shared that the project began as an idea in 2011, which eventually led
to the automation of Talomo 3 Hydro in 2013 and Talomo 2 Hydro in 2014.The two
plants located in Davao City are some of Hedcor’s oldest manually operated
plants, originally constructed in the 1950s.

“This is actually our first milestone which gave us the confidence that we could
do it moving forward,” Pacquiao added.

ENHANCED INTERCONNECTIVITY. With Hedcor’s 22 facilities strategically located in
various areas across the country, the group found a way to integrate its
Cleanergy operations with its first ever Regional Control Center.Following the
automation of five plants across the Talomo grid in 2019, Hedcor started moving
towards integrating its operations with the newer Sibulan-Tudaya Hydro plants in
Davao del Sur in 2020. With its latest systems, the Regional Control Center
allows centralized real-time data monitoring and sends notifications to
management to help them stay on top of plant operations. It also features
operations and reliability dashboards for performance tracking and outage
analysis.

SCALABLE OPERATIONS. Hedcor focuses on building systems, processes, structures
and culture that are ready for high growth.Hedcor President and Chief Operating
Officer Carlos Aboitiz led the digital ribbon cutting and virtual demonstration
of the control center’s off-site operations. With the assistance of the
operations and maintenance team, Aboitiz was able to synchronize the second unit
of the Tudaya 2 Hydro located in Santa Cruz, Davao del Sur, all the way from his
personal residence in Luzon.

“We set on a bold course to automate, connect, and integrate our entire fleet of
22 plants with a vision to operate our fleet from a single operations center.
Let us remember to look at how far we’ve come, take stock of what we’ve learned,
and forge ahead towards a future filled with new ideas and full of new
possibilities,” Aboitiz said.

This inauguration is a key moment in the organization’s multi-year digitization
and integration projects, which aim to eventually connect all of Hedcor’s hydro
facilities onto a single National Operations Control Center by 2024.

Currently, Hedcor aims to integrate its Manolo Fortich Hydros located in
Bukidnon to the Mindanao Regional Control Center by 2021, while simultaneously
working on plant automations of its hydro facilities in Northern Luzon.

Hedcor Gets Digital Upgrade With New Regional Control Center

More than 7,000 Filipinos or nearly 1,500 families affected by Typhoon Ulysses
in Cagayan and Isabela will soon receive the much needed relief assistance,
following a half a million peso donation from insurance firm Philinsure to the
Aboitiz Foundation to support its ongoing relief operations.

The Aboitiz Group’s corporate social responsibility arm received the PHP500,000
donation in an online turnover ceremony last December 4.

Philinsure President and Chief Executive Officer Gordon Alan “Dondi” Joseph
emphasized the value of trust in partnerships and thanked the Aboitiz Foundation
for agreeing to work with them.

“We couldn't think of anyone else to trust. We know you guys and we trust you.
Thank you for this opportunity,” Joseph said.

Philinsure is one of the most reputable, fast-growing and well-managed insurance
brokers in the Philippines. They are the only insurance brokerage with a major
national presence, serving clients in the country’s three largest cities —
Manila, Cebu and Davao.

> Daghang salamat, Philinsure, for your support. We are truly honored to have your
trust and confidence. Rest assured, Aboitiz Foundation will continue to reach
out and deliver immediate response to our fellow Filipinos in areas severely
affected by the recent typhoons.

– Sabin M. Aboitiz, President & CEO, Aboitiz Group
Volunteers from the Provincial Government of Cagayan and the Philippine Army
assist in repacking relief goods from Aboitiz Foundation.Aboitiz Foundation
President and COO Maribeth L. Marasigan assured its partner that the donated
funds will reach its target recipients. “We were particularly happy when we
received the email of support from Dondi  Joseph and his team in Philinsure.
 Your donation will surely help us in our ongoing relief and rebuilding efforts
in the hardest hit areas of Bicol and the Cagayan Valley region,” she noted.

As of December 4, 2020, the Aboitiz group already extended a total of PHP6.4
million for the Typhoon Ulysses relief operations, giving out food packs,
sleeping kits, water and medicines to around 70,400 individuals in the
hardest-hit areas of Rizal, Cagayan, Isabela, Nueva Vizcaya, and Ifugao.

The Foundation is also actively helping victims of Typhoon Rolly in Albay,
Batangas, Catanduanes, Camarines Sur and Oriental Mindoro. The group has raised
over PHP5.7 million and distributed food packs, construction materials,
medicines and blankets to over 9,000 families or close to 47,000 individuals.
Visayan Electric, AboitizPower’s distribution unit based in Cebu, also
dispatched a team to help restore power in four barangays in Tiwi, Albay.

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Aboitiz Group, GET Philippines Launch BEST Bus, A Sustainable Mass Transport Model For Davao
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