Thursday, April 25, 2024

Heading to the Milo Marathon this weekend? Race to victory by visiting the Mobile Legends: Bang Bang station!

April 25, 2024 0 Comments

 

Heading to the Milo Marathon this weekend? Race to victory by visiting the Mobile Legends: Bang Bang station!

International gaming developer and publisher MOONTON Games joins this year's Milo Marathon to give participants an extra energy boost in the grandest foot race in the Philippines. Held on 28 April 2024, from 12 midnight to 6 am, the "National Marathon" will field over 32,000 runners who will be given the chance to make their experience legendary and help them race to victory through various Mobile Legends: Bang Bang activities in the area. 


Inspired by Kadita the Ocean Goddess, the Breath of the Ocean corner will offer refreshments and a water refilling station to help runners stay hydrated before and after the race. There will also be the Zilong’s Spear Strike that will challenge runners to bend, sway, and shimmy their way under the legendary character’s spear, and go through the limbo rock to earn an exclusive MLBB prize. 


Dive into the spirit of freedom at the Palms of Liberation. Runners will be tasked to dip their hands in vibrant colors and leave their handprints on the symbolic MLBB wall


Share the experience on social media and win an exclusive MLBB merch item! What’s more, various MLBB tokens will be given such as tumblers, drawstring bags, stickers, bucket hats, pouches, keychains, and pins, among others. 


Know more about Mobile Legends: Bang Bang by following its official pages: 

Facebook: https://www.facebook.com/MobileLegendsOnlinePH 

YouTube: https://www.youtube.com/@MobileLegendsPhilippines 

TikTok: https://www.tiktok.com/@mobilelegendsphofficial 

Twitter: https://twitter.com/MobileLegendsOL

Wednesday, April 24, 2024

PLDT Enterprise and Smart forge groundbreaking partnership with People in Need to bolster disaster preparedness in Mindanao

April 24, 2024 0 Comments

 PLDT Enterprise and Smart forge groundbreaking partnership with People in Need to bolster disaster preparedness in Mindanao

Sealing a pivotal alliance: Leaders from PLDT Enterprise, Smart Communications Inc., and People in Need come together, marking the dawn of a groundbreaking partnership aimed at fortifying disaster resilience in Mindanao. Together, they embark on a journey to harness technology for a safer, more sustainable future. In photo: (L-R), Alfred Mark Rosete, Early Warning Systems (EWS) Program Manager at People in Need; Roberto W. Suzon Business Head, Corporate Relationship Business Head for Northern Mindanao at PLDT Enterprise; Zcyrill Ryan B. Agac-ac, Northern Mindanao Relationship Manager at PLDT Enterprise; and Judee Caroline D. Chaves, Mindanao Relations Head at Smart Communications, Inc.


In a move to advance disaster resilience and sustainable development in the Philippines, the B2B arm of the largest telco in the country, PLDT Enterprise, and PLDT’s wireless arm, Smart Communications, Inc. (Smart), have announced their latest collaboration with the global humanitarian organization People in Need (PIN). This partnership underlines a shared commitment to harnessing innovative technology to enhance disaster preparedness and response in Mindanao, focusing on the Strengthening Resilience Through Early Action and Impact Mitigation (STREAM) Project.

 

The STREAM Project, funded by the GSMA Innovation Fund for Anticipatory Humanitarian Action and supported by the UK International Development from the UK government, aims to revolutionize local impact forecasting and early warning systems in 12 municipalities across the provinces of Zamboanga del Sur, Misamis Occidental, Maguindanao del Sur, Surigao del Norte, and Surigao del Sur in Mindanao. These areas, identified as high-risk for flooding, will benefit from the integration of PLDT and Smart's advanced Smart Internet of Things (IoT) SIM and Smart Messaging Suite.

 

Roberto W. Suzon, PLDT Enterprise Corporate Relationship Business Head for Northern Mindanao, highlighted the significance of this collaboration:

“Our partnership with People in Need is more than just a technological endeavor; it's a commitment to safeguarding communities and empowering them with the tools they need to mitigate the impact of natural calamities. By leveraging PLDT's reliable fiber connectivity and Smart's cutting-edge solutions, we are setting a new standard in disaster preparedness and resilience.”

 

The Smart IoT SIMs will be instrumental in remotely monitoring water levels in flood-prone areas, ensuring timely data transmission to PIN's servers for accurate forecasting. Meanwhile, the Smart Messaging Suite will play a crucial role in disseminating vital information and evacuation alerts to vulnerable communities, enhancing their capacity to respond effectively to imminent threats.

 

Alfred Mark Rosete, Early Warning Systems (EWS) Program Manager for People in Need, expressed his enthusiasm for the project's potential:

“With the support of PLDT Enterprise and Smart, we are poised to make a significant impact on the lives of those in the most at-risk communities in Mindanao. The STREAM Project embodies our vision of a world where technology and innovation go hand in hand with humanitarian efforts to build a safer, more resilient future for all.”

 

Additionally, under its disaster resilience advocacy, Smart also recently engaged with PIN during the GSMA's Humanitarian Connectivity Charter (HCC) Asia-Pacific workshops held in Clark, Pampanga, attended by ASEAN delegates. Smart was among the first operators in the world to adopt the principles of the HCC, when it was launched in 2015. The HCC is a set of principles and best practices reached collaboratively between mobile network operators (MNOs) on how to prepare for, respond to, and recover from a sudden onset emergency.

 

These engagements underscore the PLDT Group's longstanding #SafeandSmart advocacy, which promotes preparedness and immediate response through network resilience, continuous availability of communication services, mobile solutions and activities, and relief assistance to help communities mitigate disaster risks. Through initiatives like the PLDT and Smart Ligtas Kit program, which has already equipped 10 Mindanao provinces with comprehensive emergency communications packages, the telco group reaffirms their commitment to a disaster-resilient Mindanao.

 

As PLDT Enterprise and Smart continue to explore new frontiers in the role of technology in disaster resilience and climate action, their collaboration with PIN sets a precedent for how the private sector and the humanitarian community can come together to address some of the most pressing challenges of our time and contribute towards achieving UNSDG No. 11: Sustainable Cities and Communities and UNSDG No. 13: Climate Action. Recognizing climate as one of the top risks in the Philippines and across the PLDT Group, PLDT Enterprise and Smart continue to integrate climate risk management into their network architecture, operations, and customer solutions. The Group leverages its leading technology and digital solutions to help boost adaptation, and resilience of communities most vulnerable to climate change impacts.


“Always moving further, together with our partners, PLDT Enterprise remains steadfast in its vision to not only advance the business landscape but to foster a community where progress and resilience go hand in hand. Our partnership with People in Need is a testament to our commitment to leveraging technology for the greater good, ensuring businesses and communities alike are better equipped, more connected, and infinitely stronger. With every step, we aim to redefine the boundaries of innovation and collaboration, ensuring that every advancement we make is better for business and transformative for society. Together, we journey towards a future where every challenge is met with a smart, sustainable solution, furthering our collective impact, and driving us towards a brighter, more resilient tomorrow,” concluded Suzon.


Monday, April 15, 2024

Digido Wins 11 Awards, Including Two ‘Best’ Accolades from Global Banking & Finance Review

April 15, 2024 0 Comments

Earlier, Digido announced that it has served over one million Filipinos through its safe, reliable, and inclusive digital lending services. 


Digido Best Digital Lending App in the Philippines


Multi-awarded consumer finance company Digido has ended the first three months of the year with 11 award recognitions from four esteemed global finance and business publications. 


The digital lending service was named by the Global Banking & Finance Awards® as the Philippines’ “Best New Online Lending Services” for the second year in a row, as well as the country’s “Best New Fintech Company”


Digido bagged a trio of wins from the World Economic Magazine Awards, winning in the “Best Customer Service Company For Finance Philippines 2024”, “Best Personal Loans Provider Philippines 2024” and “Best New Online Lending Services Philippines 2024” categories. 


The Global Financial Market Review named the platform the “Best Digital Lending App in the Philippines” while the Gazet International Awards recognized Digido in five categories: “Best Digital Lending Firm Philippines 2024”, “Most Customer-Friendly Financial Solutions Philippines 2024”, “Most Innovative Digital Lending App Philippines 2024”, “Best Digital Loan App Philippines 2024”, and “Best Digital Lending Platform Philippines 2024”


Earlier, Digido announced that it has served over one million Filipinos through its safe, reliable, and inclusive digital lending services. 


Commenting on the 11 awards, Digido business development manager Rose Arreco said: “We recognize the unprecedented nature of this series of recognitions from these prestigious finance and business publications and feel incredibly humbled. We at Digido have been striving to ensure we remain a trusted financial partner for the Philippines’ underserved, and these awards are stark reminders to do so with the consumer at the forefront.” 


An earlier commissioned survey by Digido revealed that personal loans were the most popular formal credit option, with 54% of respondents having one in 2023 due to its flexibility and variety of use. 

Digido offers a First Loan For Free service, where first-time borrowers can avail up to PHP 4,000 with 0% interest and a standard Personal Loan up to PHP 25,000 for repeat clients. It can be accessed through its official site digido.ph, its apps in Google Play and the iOS App Store, and Lazada Loans.


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About Digido 


Digido believes every hard-working Filipino should have access to convenient and secure financial tools. 

With a growing line of inclusive lending solutions through our mobile app and official website, we at Digido offer instant and transparent financing for the underbanked and underserved consumers of the country, helping them immediately participate in the formal digital ecosystem, strengthen their financial well-being and reach their personal goals faster and easier. 

Services under the Digido platform are financed by Digido Finance Corp. with SEC Registration No. 202003056 and Certificate of Authority No. 1272. 

Digido’s trusted services have been lauded by the Global Retail Banking Innovation Awards, International Finance Awards, World Business Outlook Awards, International Business Magazine Awards, Pan Finance Awards, The Global Economics Awards, the Global Banking & Finance Review, and the Global Financial Market Review. 


Friday, February 2, 2024

Xiaomi and MLBB Philippines Promote Healthy Gaming to PH Campuses through the Community Cup

February 02, 2024 0 Comments
Mobile Legends: Bang Bang Philippines and Xiaomi Philippines has formally launched the MLBB Community Cup, a campus tour that uses the well-known mobile game Mobile Legends Bang Bang to encourage students to play responsibly and form bonds with one another. 

MLBB Community Cup 2024

Interactive events like the MLBB Quiz Game and Pinoy Henyo, a well-liked word and mind game in the Philippines, along with a friendly MLBB tournament are planned for the MLBB Community Cup. The event will also feature a discussion on responsible gaming and job options in the gaming and e-sports industries concurrently. 

"We recognize our shared responsibility in fostering a fun and healthy environment for our MLBB gamers. With the MLBB Community Cup, we hope our participants further develop their skills in teamwork, problem solving, and network building, among others," says Miah Kang, MOONTON Games PH Community Manager.

The MLBB Community Cup will commence at National University-Laguna on 1-2 February 2024, followed by the visit to Technological Institute of the Philippines-Quezon City from 5-6 February 2024.
Participating students will get a chance to take home limited-edition merchandise items such as hero cards featuring Yin, Fanny, and Martis

MLBB Community Cup 2024 Prize Pool

Meanwhile, the winners of the friendly MLBB tournament will take the biggest share of the prize pool worth 50,000 in-game diamonds and a brand new Redmi Note 13 Pro+ 5G. The runner-ups will take home Xiaomi Smartband 8, a 10,000mAh powerbank, Buds4 Pro, and City Sling Bags.



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About Mobile Legends: Bang Bang
Mobile Legends: Bang Bang is the most popular mobile Multiplayer Online Battle Arena (MOBA) game worldwide that brings communities together through teamwork and strategy. With over one billion installations and 105 million active monthly users, the award-winning game is among the top 10 most played in over 80 countries. With an extensive reach across the Asia Pacific region, the multiplayer is available in 139 countries with an expansive global esports presence.
 
About Mobile Legends: Bang Bang Esports
Established in 2017, Mobile Legends: Bang Bang Esports serves as a platform for players to pursue their dreams of becoming esports athletes and illuminate opportunities within the international esports ecosystem. MLBB Esports has since expanded to multiple leagues, including the MPL series hosted in Southeast Asia, Middle East, and Latin America.
 
About MOONTON Games
Established in 2014, MOONTON is a global video game company dedicated to gaming development, publication, and esports. With more than 1500 employees worldwide, the company operates offices in Indonesia, Malaysia, Singapore, the Philippines, Latin America, Hong Kong, and mainland China. It has successfully launched a number of high-profile mobile games globally and has built long-term relationships with governments and esports organizations in more than 30 countries around the world. Mobile Legends: Bang Bang is its current star game and the leading mobile multiplayer online battle arena (MOBA) game worldwide.

Friday, January 26, 2024

The Joy of Learning: Kids Writing, and Customized Worksheets

January 26, 2024 0 Comments

Customized Name Tracing Worksheet

As parents and educators, we witness the exciting journey of our children as they embark on the adventure of learning to write their names, alphabet letters, and numbers. This crucial milestone not only marks their academic development but also sets the foundation for their future learning.

Learning to write is a fundamental skill that opens up a world of possibilities for children. The ability to put pen to paper not only aids in academic success but also plays a crucial role in cognitive and motor skill development. Here are some key benefits of practicing writing in kids:

  • Fine Motor Skills Development: Writing involves precise movements of the fingers and hands, promoting the development of fine motor skills. This is essential for tasks such as buttoning clothes, tying shoelaces, and more.
  • Cognitive Development: Writing enhances cognitive skills by promoting focus, concentration, and memory. The process of forming letters and numbers stimulates the brain and strengthens neural connections.
  • Language Skills: Writing reinforces language skills by helping children recognize and understand the shapes and sounds of letters. It lays the groundwork for improved reading and communication skills.
  • Creativity and Self-Expression: Writing allows children to express their thoughts, feelings, and ideas creatively. It fosters imagination and helps them communicate effectively.

Customized Name Tracing Worksheets are one such resource. These worksheets feature the child's name and provide a guided path for practicing letter formation. Here's why Customized Name-Tracing Worksheets are a valuable tool:

  • Personalized Learning: Customized worksheets make learning more personal by incorporating the child's name. This not only captures their attention but also adds a sense of ownership to the learning process.
  • Repetition and Reinforcement: The worksheets offer a structured way to practice writing through repetition. Consistent practice reinforces letter recognition and helps children commit the shapes to memory.
  • Progress Tracking: With customized worksheets, parents and educators can track a child's progress over time. This allows for targeted support and adjustments to meet the child's evolving needs.
  • Engaging and Fun: Designed with vibrant colors and appealing fonts, these worksheets turn learning into a fun and enjoyable activity. Children are more likely to stay motivated when the process is enjoyable.

Learning to write is a significant milestone in a child's educational journey, and the benefits extend far beyond the classroom. The introduction of customized name-tracing worksheets adds a modern and personalized touch to this essential skill-building process. As parents and educators, let's embrace the joy of learning and provide our children with the tools they need to succeed in their writing adventures.

Don't miss out on this opportunity to make learning to write a joyful and personalized experience for your little one! Shop Now!.

Thursday, January 18, 2024

Guilt-Free Hearty and Healthy Snacks

January 18, 2024 0 Comments

Eating healthy and keeping our bodies fit isn't just a New Year's resolution; it's a lifestyle choice that can have a profound impact on our overall well-being. Since last year, I've been more mindful of what I eat and have stopped consuming soft drinks and junk food, as well as processed foods. 


As much as possible, I make a conscious effort to consume a healthy diet. Most of my diet consists of oats, various nuts (I'm a huge fan of almonds and nilagang mani), fish, chicken, tofu, veggies, and fruits. I've been able to maintain this healthy eating habit for several months now, although there are moments when I feel tempted to indulge in fast food snacks and eat just a few bites. Hopefully, I can keep it up and totally refrain from eating junk foods.


So, I was happy when I saw these guilt-free snacks as I was doing our grocery shopping! I checked the nutrition facts and they looked fine and passed my inspection. Lol.


3 Guilt-Free Hearty and Healthy Snacks


Here are the Guilt-Free Hearty and Healthy Snacks that I've recently discovered and loved:


1.Choco+  Bitter Sweet Zen-Sation. It is made of Dark Chocolate + Pure Cocoa. I've also tried other variants; the Choco+ Yum at Heart which is made of Dark Milk Chocolate + Whole Hazelnuts and Choco-Crazy Nutrition which is made of Dark Milk Chocolate + Roasted California Almonds + Flax Seeds & Chia SeedsBoth of these are a little sweet for my taste, so I go for the Choco+ Bitter Sweet Zen-Sation.


Choco+ Bitter Sweet Zen-Sation


Nag-hoard ako guys, coz super layo ng Abreeza sa Mintal, mga 1 hour plus din ang biyahe. Hahaha! Yup, I first saw this chocolate at Robinsons Abreeza Mall grocery, it's priced at 28 pesos lang for 33g. I saw this at SM's grocery too but its price is a little higher than the ones in Abreeza Mall.


2. Emco Musli Oat Biscuits come in chocolate, hazelnut, and blueberry flavors. All of them are good, but my favorites are the hazelnut and blueberry. I purchased this at the NCCC Mall's Victoria Plaza grocery, although I can't recall the exact price.


Emco Musli Oat Biscuits
                    

3. MAYA ThinkHeart Whole Wheat Pancake Mix. Not only is this pancake mix delicious, but it's also quite simple to make. It's also nutrient and vitamin-rich and healthy. My daughter liked it, which surprised me. 


MAYA ThinkHeart Whole Wheat Pancake Mix

Whole Wheat Pancakes


I bought this at NCCC Mall's Victoria Plaza grocery, but you can also buy this at Gasiano Mall, SM and Robinsons Abreeza groceries. I think this is priced between 80 and 90 pesos or more, sorry I forgot the exact price. ;)


So far, these are my recently discovered Guilt-Free Hearty and Healthy Snacks that you can buy at the grocery stores. I'll update or make another blog post if ever I find other yummy, healthy, but also affordable snacks. :) 

 

Friday, January 5, 2024

Damosa Land Inc. and PLDT Enterprise Power a Vision of Progress Together Through Digital Solutions

January 05, 2024 0 Comments

 Damosa Land Inc and PLDT Enterprise


Seen in photo (From left-right): Lora Valdez Porras, Damosa Land Inc. AVP for Commercial and Leasing Operations, Cary F. Lagdameo, Damosa Land Inc. President, Jay C. Lagdameo, PLDT Enterprise Vice President and Enterprise Revenue Group Head, and Kent de la Calzada, PLDT Enterprise AVP & VisMin Head of Customer Relationship Management officially sign off the partnership between Damosa Land Inc. and PLDT Enterprise.

Damosa Land Inc. (DLI) partners with PLDT Enterprise, shifting from US-based bandwidth to enjoy cost-efficient, stable, and scalable local connectivity solutions. With PLDT Enterprise as their primary connectivity provider for both Davao and Cagayan de Oro locations, DLI now benefits from iGate Premium's delay-sensitive stability and SIP's streamlined voice trunking. A testament to PLDT Enterprise's vision and commitment to providing unparalleled service with 24/7 Enterprise Service Assurance, this collaboration ensures DLI's office workspace clients stay seamlessly connected. 


Through the partnership, PLDT Enterprise’s iGate Premium was able to provide DLI a more cost-efficient, stable, and scalable connectivity with delay sensitivity, while the SIP, with its feature to operate voice trunking via IP, maximized the IP network, reducing cost and communications complexities.

With a trusted client like DLI at the forefront of sustainable real estate property development that provides distinctive elements that enhances living experience, creating self-sufficient socioeconomic zones, and building contemporary and innovative workspaces that espouse collaboration and build meaningful connections in Davao and Mindanao Region, PLDT Enterprise, led by Vice President and Enterprise Revenue Group Head Jay C. Lagdameo, customized the tools and services to support the developer’s specific needs, and bring out their vision to future-proof their company.

Cary F. Lagdameo, President of Damosa Land Inc., has cemented DLI as the leading sustainable real estate developer in Mindanao, as it remains committed to creating innovative and top-quality projects, known for incorporating distinctive elements into their residences to enhance their clients’ living experience, including dedicated spaces for urban farming, breathtaking vistas, and a plethora of options to meet their basic needs.

Having developed an estate and depot that have garnered multiple accolades for industrial development and innovation and staying committed to meet the demands of the continuously expanding market, DLI partnered with PLDT Enterprise to boost operational efficiency so they may better compete and succeed in the growing industry.

With partners like PLDT Enterprise, DLI’s contemporary and innovative workspaces continue to spur economic productivity and business growth, as their locators maximize to espouse collaboration and build meaningful connections.


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About PLDT Enterprise

PLDT Enterprise is the corporate business arm of PLDT, the leading telecommunications and digital services provider in the Philippines. Dedicated to delivering innovative fixed-line, wireless, and ICT solutions, PLDT Enterprise enables businesses to adapt to evolving technological needs, optimize efficiency, continuity, and connectivity, and enhance customer experience. With a strong commitment to doing business responsibly, PLDT Enterprise aims to contribute to the United Nations Sustainable Development Goals by enabling digital transformation, championing meaningful innovations, and bridging the digital divide.
 
For more information, visit pldtenterprise.com.

Wednesday, December 13, 2023

Exclusive Perks for Metrobank Cardholders at the Big Bad Wolf Davao Book Sale!

December 13, 2023 0 Comments

MetroBank Deals Big Bad Wolf 2023 Davao

As the highly anticipated Big Bad Wolf (BBW) Book Sale makes its third visit to Davao - the last leg of Big Bad Wolf's 2023 run in the Philippines, a new chapter unfolds for Davaoeños Metrobank card holders. 

From December 15–23, 2023, the Book Sale - which promises to be a fascinating experience for both casual and avid readers will be held at the SMX Convention Centre Davao, SM Lanang Premier.

Metrobank is ringing in the Christmas season with exclusive rewards when customers use their Metrobank credit or debit card to make payments for their books,  This is in addition to the book discounts of up to 95% that they will receive!

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Snag the best reads ahead of the crowd. As a Metrobank credit or debit cardholder, enjoy exclusive early access to Big Bad Wolf Davao on December 14, 2023, from 12NN to 10PM. You can bring one (1) guest for free and dive into a treasure trove of over 2.5 million books one day before the Sale opens its doors to the public.

0% Installment for 3 Months
Enjoy payment flexibility while you expand your personal library with a 0%  installment payment option for a three-month term with a minimum spend of PHP3,000 using your Metrobank credit card. 

Exclusive Payment Lanes
Metrobank card holders are entitled to dedicated payment lanes for an easier checkout experience. Just look for the Metrobank logo as you approach the counters.

Get a Chance to Win PHP20,000 Cashback and Earn up to PHP1,000 eGCs for Your Straight Transaction Spend
Giving you more bang for your buck, you can get a chance to be one of the 20 winners of PHP20,000 cash back with your Metrobank credit card. Earn raffle entries for every qualified spend. What’s more, you can get instant eGCs or GCash credits of up to PHP1,000 for a minimum single-receipt straight spend of PHP3,000. To qualify for this promo, don’t forget to register at mbcpc.co/holidaycashback. For more details, visit https://www.metrobank.com.ph/promos/holiday-cashback-2023 

Earn up to PHP4,000 eGCs or GCash Credits on any 0% Installment Spend
Enjoy perks with lighter payments when you register at mbcpc.co/morewithzeroq4 before you swipe at Big Bad Wolf Davao or any of our partner merchants! Get PHP500, PHP1,000, or PHP4,000 eGCs or GCash credits for a minimum single-receipt 0% installment spend of PHP15,000, PHP40,000, and PHP90,000, respectively. Learn more at metrobank.com.ph/promos/more-with-zero-2023.

Don't have a Metrobank card yet? No worries! Metrobank has you covered. Swing by the Metrobank booth at the venue and apply for a Metrobank credit card

Get a FREE trip to Australia (awarded as 300K rewards points) + waived annual fees for life when you get approved for a Metrobank World Mastercard, for a minimum required spend. Exclusive to first-time Metrobank principal cardholders with credit card/s from other bank/s. Visit www.metrobank.com.ph/promos/switch2023 to know more. Terms and conditions apply.

Rally your family and friends, and embark on a literary journey at the Big Bad Wolf Book Sale in Davao. Follow Metrobank and Metrobank Card PH on Instagram and Facebook for more details.



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About Metrobank

Metrobank is the country's second-largest private universal bank that empowers both retail and business clients with customized financial products and services fit to help reach their goals and full potential. It has an extensive consolidated network that spans over 940 domestic branches nationwide, more than 2,300 ATMs, and above 30 foreign branches, subsidiaries, and representative offices. The Bank believes that its robust capital position and balance sheet strength will provide ample support as it navigates through uncertain times. As of the third quarter of 2023, its capital ratios are among the highest in the industry, with total CAR at 18.4% and Common Equity Tier 1 (CET1) ratio at 17.6%. Meanwhile, the Bank’s consolidated assets stood at PHP3 trillion, making it one of the strongest and well-capitalized banks in the country.