Metrobank named Philippine’s strongest bank for sixth straight year

Metropolitan Bank and Trust Co. (Metrobank) has retained its title as the Philippines’ strongest bank for the sixth consecutive year, according to financial research and intelligence provider The Asian Banker.

The recognition forms part of The Asian Banker’s annual ranking of the world’s 1,000 largest and strongest banks, which evaluates financial institutions based on their balance sheet strength, profitability, asset quality, liquidity and risk management.

The ranking assesses banks’ financial health and resilience, including their ability to absorb potential losses and maintain stable operations during challenging economic conditions.

‘Our strength comes from the trust our customers place in us and the dedication of our Metrobankers, who remain committed to delivering financial solutions that help our clients succeed in different market conditions,’ Metrobank president Fabian Dee said.

‘This recognition reflects how we continue to grow stronger together with our clients, communities and partners through every challenge and opportunity,’ Dee added.

The recognition comes as Metrobank continues to report solid financial results, with net income reaching P24.9 billion in the first half.

The bank’s nonperforming loan ratio stood at 1.8 percent, significantly below the banking industry’s average of 3.4 percent. Metrobank also maintained an NPL coverage ratio of 133.3 percent.

Military-style fitness: How Kenyans are trading gyms for tyres, hills and sandbags

What would make you carry a heavy sack up a hill, drag a tyre along a dusty road or repeat a series of jumps when your legs are already burning? For fitness enthusiasts, the answer lies in a different kind of workout, one that swaps gym machines for tyres and hills to test strength, stamina and determination.

At 7.30 am, Lois Waini has a sack balanced on her shoulders as she makes her way up a slope. Her feet strike the uneven ground while the weight tests her balance and endurance. Nearby, Daniel Kamau prepares for his turn as Julius Wambugu, the trainer, moves between participants, corrects their form, and urges them to keep going.

There are no treadmills or polished gym floors here. Instead, the exercises rely on sandbags, old tyres, weighted vests and a steep incline that participants must tackle repeatedly.

Julius, 37, better known as Adus, began developing his outdoor fitness programme during the Covid-19 pandemic, when gyms closed, and he had to improvise with whatever space and equipment he could find.

‘Adus started as a nickname and eventually became my fitness name,’ he says. ‘When gyms closed, I had no equipment, but I realised that as long as I had space, I could still train. We started on a rooftop, and as people saw the results others were getting, we began attracting clients.’

10 minutes of light exercises

Julius has trained professionally for 11 years, after developing an interest in martial arts and weightlifting in 2013. He has since turned that improvisation into a structured programme. His approach centres on helping participants discover their physical capabilities while developing the confidence to tackle exercises they might initially find intimidating.

‘When clients train alone, they may not realise their full potential. Sometimes you have to challenge them and help them believe in themselves,’ he says.

The session begins with about 10 minutes of light jogging, arm circles, hip swings and body-weight squats. Once the warm-up is complete, the equipment comes out, including sandbags, tyres, weighted vests, and belts designed to help participants pull tyres behind them.

Some equipment is bought, while other items are hand-made. The simplicity of the tools, however, does not make the workout any easier.

Participants flip tyres, drag them across the ground and perform reverse bear crawls while wearing weighted vests. Others carry sacks up the slope, or attempt jumps with the extra weight on their backs, a drill Julius admits is particularly unpopular.

The hill presents another challenge. Stretching about 200 metres, the incline is tackled repeatedly, with participants sprinting uphill while carrying weighted bags or performing sack jumps. The combination tests leg strength and cardiovascular endurance, particularly when fatigue begins to affect their technique.

For Lois, 24, the challenge has been part of learning how to exercise consistently. She joined in July 2026 after a friend recommended the sessions. Although she arrived determined to build discipline and consistency, she soon discovered that outdoor training demanded more than she had anticipated.

‘It was really challenging at first because I was used to strength exercises, whereas this involved a lot more cardio,’ she says. ‘You even have to squat while walking.’

Her knees were already a concern when she joined, making lunges particularly difficult. She has nevertheless found parts of the programme enjoyable, especially the running, which gives her a change of pace from the exercises that place greater strain on her legs.

‘My thighs feel the strain, especially during lunges because of my knees,’ she says. ‘However, combining gym sessions with outdoor workouts has helped me become more comfortable with exercises I previously struggled to do.’

Lois says she has also noticed improvements in her endurance and wants exercise to become a permanent part of her routine. For her, the gains are not just about physical appearance but also about building habits she can sustain.

‘I want working out to become my lifestyle,’ she says.

Julius’s programme combines strength training, cardio and high-intensity interval training, with short bursts of demanding exercise followed by recovery periods. The aim is to work different muscle groups while improving stamina and the ability to sustain effort.

Each drill typically lasts five to 10 minutes and combines two or three exercises, with participants completing several rounds. Rest periods are built into the sessions, usually lasting about a minute between sets and longer after strenuous climbs.

Julius describes the approach as military-based, although it is not formal military training. He believes the demanding exercises help participants develop mental resilience alongside physical fitness, but says the intensity must match each person’s ability.

The emphasis is therefore on progress rather than exhaustion. He monitors how many rounds participants complete, how quickly they climb and whether they maintain proper technique. When someone finishes every round with good form over two consecutive sessions, he increases the weight or distance.

Military-style approach

For Daniel Kamau, 25, the military-style approach was precisely what made the programme appealing. Having trained for five years and coached for three, he hopes to join the army.

‘I wanted exercise that would challenge me and help me prepare for the demands of military life,’ he says. ‘Things I used to find intimidating have become more manageable as I have continued training.’

Daniel says the exercises have helped him build confidence and stamina, particularly when running or walking longer distances.

‘I can now move around more comfortably and cover longer distances without getting tired quickly,’ he says.

For anyone considering outdoor fitness, the question is how soon the effort will translate into visible results. Julius cautions that progress depends on several factors, including a person’s starting fitness level, diet and lifestyle.

‘With consistent training for at least three months, alongside proper nutrition, you should begin to see results,’ he says.

Two or three times

Beginners are generally advised to train two or three times a week, allowing time for recovery between sessions. Comfortable clothing, suitable training shoes and drinking water are essential, while anyone with a medical concern or previous injury should consult a health professional before starting.

New participants can expect lighter loads, shorter rounds and close supervision as they learn the movements. Julius also stresses the importance of taking rest breaks, maintaining proper technique and finishing each session with slow walking and stretching.

The programme attracts a range of participants, although most clients are aged between 20 and 28. Weekend challenges typically draw 30 to 40 people, while larger events can attract between 150 and 200. He charges Sh500 for one session, which lasts about one and a half hours. There is also a monthly package that includes four weekly sessions, charged at Sh3,500.

As the final drill ends, the sacks return to the ground and the tyres fall still. The participants catch their breath after another series of climbs and exercises, with the same slope that tested them at the start now behind them.

For Julius, the purpose of the sessions extends beyond helping people get fitter. He wants participants to leave with greater confidence in what they can achieve, while continuing to build his own career in the fitness industry.

‘I want to become one of the leading fitness coaches in Africa, and I will keep working towards that goal,’ he says.

APC PCC’s quibbling Morka vs unequivocal Lawan

If this was mathematics, it would have been so nice to see how today’s musings would have looked like as a mathematical formula. But here are musings of a worried Nigerian who is wondering how two extremely opposed voices from one stable are jiggling our minds so badly. These men are teasing our brains on one matter in which one from their house spoke unequivocally and the other tried to spin out of simple comprehension and cognitive control.

Does it not rankle the brain that the PBAT/APC 2027 Presidential Campaign Council (APC- PCC) is struggling hard to turn a regular submission of one of its spokespersons, Alwan Hassan, into an optical illusion spiral? Right before our eyes, and in broad daylight, a Coordinating Deputy Director of the campaign, Mr Felix Morka, who is also the National Publicity Secretary of the APC, tried to turn the submission of Hassan into a hypnotic spiral. To achieve what really…? To deflect the matter or hedge it? As learners, we have heard journalism scholars and elders in the profession talk about obfuscation and hair-splitting. Mr Morka’s outing post-Hassan might have been to bring all these in.

Unfortunately for the usually sound Morka, it didn’t work. Nigerians were not buying it because his best efforts at spinning that narrative crumbled right before his curious submission that he would discuss the matter further with Hassan. Watching a recording of that outing again, Morka himself would see that he only managed his quibbling best to explain the heavyweight accusation. It is not easy to convince one that black is white even in a magical wave.

So, today is about one unequivocal Alwan Hassan and the quipping Felix Morka.

Alwan Hassan said without mincing words that the ministers we have in the government of President Bola Ahmed Tinubu paid (in billions of Naira) to get to their positions. He was unequivocal and he was assertive. Being a spokesperson of the party’s presidential re-election campaign, he cannot be regarded as a toddler in the business of speaking for a group. Hassan spoke smoothly and had all the platitudes in place for their presidential candidate. His mouth too was running smoothly and fast in the discharge of his spokesperson duties, but it appeared that it ran faster than his mind at that point.

He was being interviewed by a suave Charles Aniagolu and not a rasping Rufai Oseni. So, he got the question, to which he gave an answer, in Anioagolu’s usually measured words. The question did not come to him as a barrage. ‘Charles, a lot of ministers pay billions and billions, and you know, to get themselves appointed. The first thing they think of is how to recoup that money.’ Hassan also said: ‘Whatever it is a budget is supposed to do in this country in the last three and a half years, Asiwaju has done it by himself. Why do we need ministers? Why do we need a budget to be given to ministers?’ He guaranteed that what he was saying was the truth and looked surprised that Charles Aniagolu and other Nigerians did not know this.

Even if Nigerians knew, how can such cases be substantiated? Even if the cases can be substantiated, where would you go to substantiate your case? Who would listen to you? What would be its outcome? Would you be the one to appoint the adjudicators? Are you the one in charge of the courts? Or, where exactly would you take your case if you plan to present your evidence – the same Nigerian courts? Or, is it the National Assembly?

What happened after reports of other such weighty allegations? In 2024 a Sokoto cleric alleged that President Tinubu northern clerics that he bought his seat with money. If that has been forgotten, what about the fake agencies’ saga of this year? Mr. Adeniyi Adeyemi, who named principal government officials, and that of George Nwabueze discovered in the Office of the Secretary to the Government of the Federation. These scandals sucked-in three permanent secretaries and a few other officers in the federal civil service. The man behind the celebrated fake agency has been charged to court by the ICPC. He is in a lonely place, oblivious of the machinations of the big cats who gave him assurances. So, the institutional foundations for such deep due diligence failures have not been highlighted. They remain – like the underworld to sprout again in some other pattern. These are pointers to what cash and carry means in government operations.

If we had a country where basic standards of morality in leadership are thriving, the government and the APC would have retched at this period. Had we proper institutional standards, the claim by Alwan Hassan would have been enough to ground the APC, and Mr. Felix Morka would not have been courageous enough to even attempt to defend the indefensible. He would not have had the nerve to come out in the open to explain what Hassan said or meant. But in Nigeria, even when an elephant is swept under the carpet we carry on as though nothing happened.

But it was flattering that the APC-PCC saw the extent of damage done by Mr. Hassan, and thought the best foot forward was for the courageous Morka to step forward to chest it, and make a mess of our heads by explaining it. He did what he could by muddying the waters but even an elementary listener would know that he was in a very tight corner. And when the frog missed his way to the stream, he turned it into an enterprise of confusion.

By claiming that cash-for-position predated this administration, Mr. Morkahas added a valid endorsement to the conclusion that the preceding administration of Muhammadu Buhari is also complicit. He cannot reasonably stretch this accusation beyond his APC. If Morka and his band of erudite spinners want us to look beyond the APC for samples of this utter mess, I think that would fall flat.

Cash-for-position is novel. It is today’s news, otherwise it would have been one of the most ear-filling discussions in the Nigerian polity when the APC was not the party in power. When one remembers how much the APC did to the administration of Goodluck Jonathan, a matter like this would not have escaped their attention. Think of what ministers like Deziani Allison-Madueke and Stella Oduah went through as fire set to their hindquarters by aggressive propagandists and unremitting spin doyens. Look back at what the APC made Nigerians think of the administration and it can be seen that this cash-for position would have been among the juiciest talks. Something as grave as that could not have slipped through the nets of the APC propaganda if it existed.

So, it is surprising that Mr. Felix Morka acted surprised. He too might have heard that people were paying money to get into important positions in the country, but the matter heavy for mouth a la Omawumi. Now that Alwan Hassan, a player within the power circles, announced it, the best response is not for Muoka and those who prodded him to deny it or muddy the waters about it. We know that it is a tough job mopping such up because it is like clearing a heavy thicket. Morka has been assigned to take the fall for Hassan’s equivocation. I think they should just let this slide and spare us the explanations. The thunder which strikes a smooth talker didn’t do the community a favour because what he did cannot be reached by the thunderbolt. There are limits to what power can give, but there are no limits to what power can take from an individual.

Azerbaijan’s external surplus gives manat stronger support heading into 2027

Azerbaijan enters the final months of 2026 with an external trade position that supports confidence in the manat. In January-September, the country exported goods worth $23.865 billion and imported $13.346 billion, producing a positive trade balance of $10.519 billion. Total foreign trade turnover reached $37.211 billion, up 5.2% year on year. Exports grew 28.3%, while imports declined 20.4%. These figures form a persuasive economic case for expecting the manat to remain around its current rate of 1.70 per US dollar through year-end, provided current policy conditions continue.

At $10.5 billion, the nine-month balance was 5.7 times the level recorded a year earlier, according to customs data reported in October. The result reflects stronger export receipts and lower import spending, creating a cushion in the country’s external accounts. When exporters receive foreign currency and domestic demand for imports absorbs a smaller share of it, the supply-demand balance in the foreign-exchange market becomes more favourable to the national currency.

The Central Bank of Azerbaijan has also been accumulating reserves. Its official foreign exchange reserves rose from approximately $11.515 billion at the end of 2025 to $15.363 billion on September 30, 2026. That represents an increase of about $3.849 billion, or 33.4%, in nine months. The Central Bank reported that it purchased $1.5 billion in foreign currency during August alone, amid a current-account surplus and continued de-dollarization in the financial sector. Governor Taleh Kazimov has said that purchases could continue, with around $1 billion in additional buying possible by the end of the year, depending on market conditions and inflation risks.

These developments matter because the manat operates under a de facto fixed exchange-rate arrangement, with the official rate maintained at 1.7000 per dollar. In such a framework, strong foreign currency inflows can help the Central Bank meet market demand and build a reserve buffer. Currency purchases also allow the regulator to absorb part of the dollar supply entering the market, while converting those purchases into manat liquidity that requires careful monetary management.

A wider national reserve picture adds another layer of reassurance. By September 30, Azerbaijan’s strategic foreign exchange reserves, including the Central Bank’s holdings and the State Oil Fund’s assets, had reached approximately $89.38 billion, up 9.7% year on year. The Central Bank accounted for about $15.36 billion, while the State Oil Fund held roughly $74.17 billion. This combined pool gives the country substantial capacity to withstand external shocks and support macroeconomic stability.

Still, the trade surplus should be read with an understanding of its limits. A positive goods balance is a major strength, yet the exchange rate also reflects services, investment income, capital flows, domestic credit conditions, inflation and policy choices. Energy remains central to the export story: oil and gas accounted for 72.1% of exports during the first nine months. That concentration makes export earnings sensitive to global energy prices, production volumes and demand from major buyers. A sharp fall in oil prices could narrow the trade surplus and reduce foreign currency inflows.

The monetary side also deserves attention. When the Central Bank buys dollars, it pays in manats. If the resulting liquidity moves quickly into consumer spending or lending, it can add to inflationary pressure. The regulator has said it evaluates this risk when making currency purchases. Its ability to manage liquidity, maintain confidence and preserve adequate reserves will therefore remain as important as the trade balance itself.

For the final quarter, the available indicators point toward continuity. The $10.5 billion trade surplus, rising Central Bank reserves, strategic reserves of $89.38 billion and the established exchange-rate framework all support the expectation that the manat will remain near 1.70 per dollar through December. This is a reasoned outlook rather than a guarantee: external shocks or a policy change could alter the picture.

Azerbaijan’s strongest argument for currency stability is the combination of export earnings, reserve accumulation and a clear monetary framework. The next test is to preserve that balance while expanding non-oil exports and strengthening the economy’s capacity to earn foreign currency from a wider range of sectors. Stability becomes more durable when it rests on diverse sources of income as well as substantial reserves.

KQ shifts duty-free shopping online in retail overhaul

National carrier Kenya Airways (KQ) will move its in-flight duty-free shopping to a digital platform from November 1, 2026, allowing passengers to order products from an expanded catalogue up to 40 days before departure.

The initiative, which is a five-year partnership with Safari Duty Free, will allow travellers to browse, compare and pre-order products before boarding, with purchases delivered directly to their seats.

‘With Safari Duty Free, we are creating a modern retail experience that begins before take-off and continues seamlessly onboard,’ Julius Thairu, KQ’s chief commercial and customer officer, said.

The expanded catalogue will have international brands, Kenyan and African products, beauty, fragrances, electronics and travel accessories, at prices up to 15 per cent lower than those at airport duty-free shops.

‘Consumer preferences are evolving, and we are seeing strong interest in beauty, skincare, lifestyle and travel-related products, particularly among younger travellers,’ Safari Duty Free Managing Director Vivek Mehra said.

Pauline Kihara, KQ, Head of Inflight and Catering, said digitising the catalogue would give passengers more time to consider the available products.

‘Passengers can browse products in advance, plan their purchases and enjoy a more seamless shopping experience. By digitising the duty-free catalogue, we are giving customers greater choice, convenience and flexibility while reducing the limitations of traditional onboard browsing,’ she said.

The digital shift also targets the changing consumer preferences, especially among younger travellers who are accustomed to shopping through online platforms.

Ms Kihara said the airline was seeing stronger uptake of duty-free products among Economy Class passengers, although Business Class remained an area with growth potential.

‘Duty-free spending varies by route and passenger segment, but we currently see stronger uptake in Economy Class, with Business Class presenting significant growth potential,’ she said.

She added that insights from younger employees were helping the airline understand the changing preferences and develop product selections that appeal to a wider passenger demographic.

This is expected to influence the range of products that are available online and how passengers interact with the shopping platform.

Mr Mehra said the expanded catalogue would cover beauty, skincare, fragrances, fashion accessories, electronics and travel essentials, reflecting demand for products that go beyond traditional duty-free categories.

‘Consumer preferences are evolving, and we are seeing strong interest in beauty, skincare, lifestyle and travel-related products, particularly among younger travellers,’ he said.

‘While traditional duty-free categories such as fragrances and confectionery remain popular, customers are increasingly looking for products that combine convenience, value and personal relevance.’

The expanded selection is intended to serve both established duty-free shoppers and passengers whose purchasing preferences are influenced by lifestyle and technology.

KQ is also using the retail partnership to increase the visibility of Kenyan and other African products, which gives local manufacturers and entrepreneurs an additional distribution channel through the airline’s international network.

The current offering includes Procera Gin, Wamama Wetu beaded crafts and products from East African Breweries Limited (EABL).

Ms Kihara said the airline wanted its onboard catalogue to reflect the continent’s culture and entrepreneurship and expose African businesses to a wider customer base.

‘The platform allows us to celebrate African craftsmanship, culture and entrepreneurship while connecting these brands to a global audience.’

The move comes as airlines increasingly seek to extract more value from passengers beyond ticket sales through ancillary services, including baggage, seat selection, onboard meals and retail.

In the Aviation Leaders Report 2026, published by Airline Economics in partnership with KPMG, industry leaders point to the growing importance of ancillary revenue as airlines navigate the rising operating costs and capacity constraints.

The report notes that airlines have turned to additional revenue streams and premium offerings to strengthen their profitability.

Globally, the International Air Transport Association (IATA), in its June 2026 industry outlook, projects global airline ancillary revenues to rise by 12.6 per cent to $165 billion in 2026, which outpaces the projected 9.2 per cent growth in passenger ticket revenues to $839 billion.

Why Power ?sector privatisation failed – Nnaji

A former Minister of Power, Prof. Barth Nnaji, has said one of the major challenges facing Distribution Companies (DisCos) was the failure of government to allow them to operate on cost-reflective tariffs as promised during the 2012/2013 privatisation exercise.

Nnaji, Chairman and Chief Executive Officer of Geometric Power, said this while speaking at the third edition of the Lagos Country Club Business Forum on Friday evening in Lagos.

The was held under the theme, ‘Energy Costs and Business Survival’.

He identified tariff challenges, irregularities in the privatisation process and investors’ quest for quick returns as major factors responsible for the failure of Nigeria’s power sector privatisation.

Nnaji said that investors had committed funds to the DisCos based on the understanding that tariffs would reflect the actual cost of electricity supply.

‘In preparation for privatisation, I had gone to former President Goodluck Jonathan to tell him that no investor would come to Nigeria unless we had cost-reflective tariffs.

‘People may not remember that the tariff before June 2012 was N6 per kilowatt-hour.

‘ My team and I raised it in one go to N22 per kilowatt-hour,’ he said.

He explained that his team engaged traditional rulers, government officials and other stakeholders to prepare the public for the tariff adjustment.

According to him, the government also adopted a strategy to protect low-income earners and rural dwellers, who consumed a relatively small proportion of electricity.

He said that a strong desire for immediate and huge profits contributed to the abuses recorded during the privatisation of the Power Holding Company of Nigeria (PHCN) assets in 2013.

Nnaji described the abuse of the process as a major reason for the poor state of the electricity sector 13 years after privatisation.

He added that the manner in which the exercise was conducted also posed risks to the Nigerian banking system.

‘If not for the Federal Government’s intervention through subsidies, the power sector loans, which now amount to more than N7 trillion, according to the Association of Power Generation Companies of

Nigeria, the major banks that participated in the privatisation might have gone under,’ he said.

Nnaji noted that electricity business required huge capital investment, patience and a long gestation period.

He said that some investments in the sector could take between seven and 10 years to break even and become profitable.

He added that commitment to addressing the country’s electricity deficit should be as important as the profit motive.

At Geometric Power, he said, the priority was to provide reliable electricity to support manufacturing firms, hospitals, laboratories, schools, markets and other businesses.

He said that the company’s investment philosophy aligned with the World Economic Forum’s advocacy for businesses to embrace a stakeholder-oriented approach that considered the interests of society beyond shareholders.

Earlier, Mrs Ifeoma Ukabiala, Senior Energy Executive and Managing Partner of JDR Energy Ltd., said that manufacturers spent about N1.35 trillion on alternative power sources in 2025.

She said that businesses were forced to switch to diesel whenever the national grid failed.

Ukabiala expressed concern that despite Nigeria’s proven gas reserves of about 215 trillion cubic feet as of January 2026, many Nigerians still depended on firewood for cooking.

Also speaking, the immediate past President of the Manufacturers Association of Nigeria, Mr Seyi Adewunmi, described the forum’s theme as timely, saying it addressed a major challenge confronting businesses across the country.

In his welcome address, the President of Lagos Country Club, Adewunmi, said the club, established in 1949, had remained committed to providing a platform for discussions on issues affecting businesses, communities and national development.

He said that the Business Forum was part of the club’s commitment to promoting meaningful conversations beyond recreation and social interaction.

Adewunmi noted that grid failures, rising fuel prices and increasing operational costs had brought the Nigerian economy to a critical crossroads.

Being a senior citizen doesn’t excuse bad behavior

Pity the nation that feels constrained to remind its senior citizens about elementary good manners and right conduct.

A recent social media post by actress Rita Avila went viral after she recounted an encounter with a fellow senior citizen at a movie theater.

Essentially, she recounted being at the cinema when a man seated next to her let his phone ring out loudly. She reminded him that they were inside a theater. He just said: ‘Pasensya na, senior na.’ She riposted back, ‘senior na rin ako.’

My most memorable experience with a senior citizen’s bad behavior happened inside a commuter train. That day, the train was fully packed with passengers and two high school students got shoved or ‘pranked’ into the space that is reserved for senior citizens and PWD commuters, separated only by a flimsy rope. The two youngsters were obviously embarrassed and uncomfortable. I and other senior passengers knew it was not intentional on their part, but one old lady passenger didn’t like it at all and started berating the poor high schoolers endlessly and loudly, calling them undisciplined, unruly, disrespectful and so on.

The funny thing was there was space enough for them and most of us didn’t mind them being there. At last, one elderly woman told the fulminating lady it was ok because the youngsters got reprimanded enough. But she wouldn’t ease up and only shut up when the two teeners were forced to get off at the next station. To me that old cantankerous woman is the Pinoy equivalent of the white privileged ‘Karen’ in America.

We have this tendency to give older people a pass on certain things. Matanda na kasi. The casual excuse-‘senior moment’-is being often abused as a free pass for many unacceptable behavior of elderly people. It’s everyone’s way of dismissing a shameful display of bad conduct from an old folk who ought to do better.

I don’t think age should be an excuse for behaving rudely. Advancing age does not exempt anyone from basic courtesy. What is even more concerning is the potential for younger individuals to internalize and emulate such unbecoming conduct.

Just last week, an octogenarian friend lamented the vanishing ‘courteousness and urbanidad’ among today’s youth. I told him: ‘Yes, that may be true, but many of our fellow seniors are no better. Our peers aren’t setting a good example either.’

The problem is some of us old folks are now so focused on ourselves, we have dulled our sensitivity to other people, or even lost it. We often suffer from our inability to read the room many times. We speak out of turn or say hurtful words or behave badly without the fear of being admonished or rebuked by someone older because there’s no one else older than us in the room.

Setting aside the elderly who are suffering from dementia, why do some normal elderly people decide to no longer be polite or respectful? Why do they lose their ‘filters’ as they age and fail to realize that their comments are rude, crude, or outlandish?

We were not like this before. The phenomenon of being able to act boorishly with impunity began to manifest itself some time ago. Our society got infected by the virus of rudeness and vulgarity and soon even senior citizens began to stop being kindly elders.

Remember the ex-president, himself a senior citizen, who delighted in speaking rough ‘kanto’ language in his speeches? He had no compunction to curse in public and was even applauded for it, which made him come off as being ‘authentic’ and ‘totoo.’

To me his ascension to the height of national power was the inflection point in our social cultural history, that marked our collective descent into crassness, crudeness and vulgarity. Because he could use cuss words in public without being called out, soon everything was permitted and rudeness and crassness became the new normal.

Four-letter words? Kanto language? Scandalous relationships? You encounter them on social media postings so often, they have lost their shock value. We are now a society with no filters and no restraint.

The incidents of seniors behaving badly are just a reflection of what we have turned into. The question is, have Filipinos completely lost our grasp on basic manners? I pray not.

My collective assessment is that it is not true of all senior citizens but a few who want to enjoy fully that sense of entitlement as much as they can while they still can, enforce and perpetuate a privilege, believing it is their right to be served. They know their days are numbered and they no longer have to please anyone.

It is borne out of many causes: fear, resentment, frustration, bitterness, sense of failure, and perhaps physical pain.

One thing though about seniors. Yes, they do tend to focus on themselves, but sometimes they will respond to a gentle reminder. Etiquette still resonates with many of my senior friends. I am lucky to have a wife who always restrains me when I act or speak too uninhibitedly for comfort. In creative sessions I am invited to participate, I tell the young people present to let me know if I am rude in my manner and not to take my words personally if I say something outrageous or offensive.

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We seniors need to go back to the idea of senior citizenship as a time of eldership, not a time to seek and enjoy more entitlements.

We need to show our people, young or old, that we are not all crude and crass and feeling entitled. We need to let them know that having manners is still a huge factor to being a decent human being. Let’s reclaim the traditional values that have always defined the authentic Filipino character, most specially ‘paggalang sa kapwa, sa puso, diwa, salita at gawa.’

His itinerant majesty

Christopher Okigbo knew the cost of truth-telling: ‘If I don’t shut my mouth, I’ll soon go to hell / I, Okigbo, town crier, together with my iron bell.’ But I am not Okigbo and I do not care in the slightest. Please take note. Truth is superior to any throne.

The Yoruba say that a man dies only once. But I do not even propose to die. A king is not just the leader of his people; he is custodian of their past, their fears, their dreams for the future. He is guide and model, a reflection of their pulse. Among the Yoruba of South-West Nigeria, a king is revered as second-in-command to the gods. There you go: he is mortal, but no ordinary mortal. He does not need to shout to make his point; his very presence makes him king. Surrounded by wealth and power, by the best of flora and fauna, the king is authority in majesty. He is the elephant who does not pass without notice, the lion who is circumciser of the forest without a blade.

He is identified by his crown, just as his chiefs are known by their beads. A king, because he occupies the place of an elder, does not dress, eat, let alone talk, like a child. He does not call a cow Brother just to eat meat. He is elevated, exalted, mounted on the horse of respect. A king is not a commoner. A king is, yes, a king.

Familiarity breeds contempt. It is ‘see-finish.’ When Adolf Hitler and other dictators made use of those they called useful idiots, it was because of ‘see-finish,’ the same affliction that cost some victims of Lisa Alujannu, an Ondo High Chief of heavy lore, their very lives. I sat with Justice Rasheed Fawehinmi, elder brother of the then recently deceased Gani Fawehinmi, in his bedroom at his Laje, Ondo, home on September 11, 2009, when he told me the story of the fiery chief. Here is an excerpt from the story titled ‘Gani was a human devil – Brother’: ‘The late Chief Gani Fawehinmi’s elder brother, Justice Rasheed Fawehinmi (rtd), has said that the late legal icon inherited his activist spirit from his grandfather, the late Lisa Alujannu of Ondo Kingdom, who died in 1908. Speaking with the Nigerian Tribune in his bedroom at his Laje, Ondo residence on Friday, the elder Fawehinmi said his brother was a revolutionary spirit. ‘Gani, if you look at him critically, was a human devil, an imp. He inherited his fiery temperament from our grandfather, Lisa Alujannu who, during his lifetime, was so powerful that he even usurped the power of the Osemawe,’ he said.’

‘Lisa Alujannu, noted for doing extraordinary things, once buried a pregnant woman alive in the height of his power. He was a no-nonsense chief who brooked no opposition. You would not call that kind of man a gentle person,’ he said. The elder Fawehinmi, who said he spent 32 years at the bar, said that anyone interested in the Gani mystique should read his book Makers of Ode Ondo, published in 1992, a copy of which he gave to the Nigerian Tribune.’

I still have and treasure the book. But the point is this: if at the mention of the name of a chief everyone paid obeisance, why should a king command no respect?

In faraway United States, a crowned head is currently cutting the king’s grass in shorts, eating beans and water. A king in this land has been caught smoking a joint, and another reported for commandeering rice meant for his people during the COVID madness. I have utmost respect for our crowned heads, but they must respect themselves. If a stranger enters a town and is not disgraced because he knows his boundaries, what about the owners of the land? And what about a king, the custodian of culture?

Now, just how can a king be everywhere, shoving his image down people’s throats every week? How can a king be common? Do people really respect someone that is always at their beck and call? In this country these days, a governor is in Aso Rock even before the president’s messenger has put down the phone, but things weren’t always like this. If Prime Minister Tafawa Balewa wanted to see Chief Obafemi Awolowo, he could only hope that the Premier would be willing to see him at the time. He wouldn’t dare call him through a messenger. It was the military that caused the present see-finish, but even then the image of governors lined up like schoolboys and seeing the President off at an airport rankles as an affliction of our modern-day governance. In the same vein, the image of a royal majesty in the news every day leaves a sour taste in the mouth. It is media prostitution. It is insulting to culture and tradition. It is a mockery of the throne. It is not right.

Again, they lie to protect Leo Messi

Football website, The Touchline (@TouchlineX), posted this statement on October 27: ‘Lionel Messi’s popularity is STILL UNMATCHED! Despite being absent from the 2026 Ballon d’Or ceremony in London, the Argentine received the LOUDEST CHEERS of any player at the London Palladium when he appeared in a video where previous Ballon d’Or winners were celebrated.’

The claim was, of course, repeated by the Messi fanboy Fabrizio Romano and many others. Now please, go to YouTube or any other website that has a video of the actual Ballon d’Or ceremony and see if this claim matches your experience. Don’t bother going to AI; it is going to repeat the lie. Watch the actual video. That’s assuming you haven’t watched it.

If you are involved with literature, you are definitely acquainted with the post-discourses (post-colonialism, postmodernism, poststructuralism, postfeminism, etc.) which I have cheekily and quite uncharitably called ‘post-afflictions’ somewhere. The theories and theorists are so heavily nuanced, so complicated, so celebrated, but also so tiring that sometimes you just want to go back to the text – just the text, unmediated and unencumbered by theory. That’s partly why I have just enjoined you in this case: watch the actual video. This is why I will always opt for the people’s King, the imperfect but honest and clean athlete from Madeira. Viva, CR7, on the BOAT they diminished because it didn’t go according to plan.

’Drug war’ truth body questions doctors’ reports

The country’s leading forensic pathologist and member of the Truth Commission that is looking into the brutal drug war on Friday called on the Philippine Medical Association (PMA) and the Professional Regulation Commission (PRC) to investigate at least five doctors for their alleged ‘miscertification’ of the cause of death of some of the victims.

Dr. Raquel Fortun, who conducted forensic examinations on the remains of more than 150 drug war victims, said there were at least 13 death certificates whose listed cause of death did not match her forensic findings.

All of the victims were gunned down, yet they were declared to have died of various illnesses or ‘natural causes,’ Fortun said during a press conference.

‘These miscertifications could just be the tip of the iceberg,’ the Commission said in a statement.

Corrections in order

‘The Commission is also asking the authorities to correct the erroneous certificates so that families have an accurate record of how their relatives died,’ it said. ‘A death certificate is the official record of how a life ended. When it names the wrong cause, it can hide the violence and skew the country’s death statistics.’

The death certificates are being reviewed by the Commission in relation to its inquiry into the drug war killings in Caloocan City and Quezon City. The death certificates pertain to 11 victims who died in 2016 and two in 2018.

Two female doctors each signed five of the flagged records. The three others, all male, signed one each. One of the female doctors, who is now deceased, and one of the male doctors, were medical officers of two local government health departments.

A common cause of death that was written down and certified was severe pneumonia, even though the victims were found to have been shot multiple times in various parts of their bodies, including in the head, Fortun said.

She questioned the interval between the period from the onset of the supposed illness and the immediate cause of death indicated in the death records.

Fortun said four of them wrote that victims suffered acute myocardial infarction, commonly called heart attack, for 20 minutes and died despite the multiple gunshot wounds found in their bodies. Another doctor also declared the victims had struggled with community-acquired severe pneumonia for a week before dying.

‘It seems a bit too much,’ she said. ‘To me that is questionable.’

Heart attack, sepsis

Fortun’s frustration also comes from the ‘tedious process’ of initiating the request for correction of the erroneous death certificates, which in her experience, were brought before the courts.

‘It is so frustrating for me because every chance I get, I try to ask for help. How do we hold these doctors accountable?’ she said.

‘If you’re from a poor family, and this is the (situation), would you even bother having it corrected? It’s so difficult,’ she added.

In all, pneumonia was listed as the cause of death in six cases and heart attack in four. One died of sepsis, another of high blood pressure and the last one was from a stroke with bleeding, along with high blood pressure, according to the Commission.

Former International Criminal Court (ICC) judge Raul Pangalangan, chair of the Truth Commission, stressed that a good starting point in bringing justice to the drug war victims was to fix the documentation because if the death certificates were faulty and inaccurate, then ‘we don’t even have the facts with which to start.’

Human rights lawyer and law professor Theodore Te, a former spokesperson for the Supreme Court, said that the issue needed to be addressed on a systemic level and government bodies like the Justice Sector Coordinating Council (JSCC) should introduce reforms.

The JSCC, composed of the Supreme Court, the Department of Justice and the Department of the Interior and Local Government (DILG), could look at the process internally and make the necessary recommendations, he noted.

‘The justice system isn’t just the courts. It involves investigation by the police, it involves documentation of what happened, it involves all of those things that happened even before you get to the court system. Going to court is just a very small part of the justice system,’ Te pointed out.

Thousands killed

Philippine authorities have acknowledged over 6,000 people killed in alleged drug busts from 2016 to 2022, during the administration of President Rodrigo Duterte, who launched the war on drugs.

Human rights groups said the number of drug war victims, mostly residents who lived in poverty-stricken communities, could reach 30,000.

Duterte was arrested last year on a warrant from the ICC. His trial in The Hague, the Netherlands, on charges of crimes against humanity of murder and attempted murder is scheduled to start on Nov. 30.

A warrant has been issued by the tribunal for one of his alleged co-perpetrators, Sen. Ronald ‘Bato’ dela Rosa. The former national police chief and the chief enforcer of the drug war remains at large after he went into hiding in November 2025. The DILG had offered a P50-million reward for his arrest.

GCash reminds users to stay vigilant vs scams this All Saints Day

As millions of Filipinos prepare to travel to their respective provinces for All Saints Day, GCash is urging the public to stay alert against online scams and fraud that can exploit the travel rush, distractions and last-minute arrangements during the occasion.

‘The safety of our users remains top priority. GCash continues to strengthen its systems and empower users to recognize and avoid scams, especially during peak travel periods,’ said Miguel Geronilla, GCash chief information security officer.

With increased activity during the holidays, scammers often take advantage of users through fraudulent promos and deceptive messages. GCash shares tell-tale signs of the most common scams to watch out for:

Spoofing

Links sent via SMS or messenger apps may lead to fake websites designed to steal login credentials. Malicious QR codes can also redirect users to fraudulent payment portals. During Undas, when messaging activity surges, even seemingly authentic messages can hide these threats. Users are advised to be extra vigilant.

Thread hijacking

Authorities have reported scam messages appearing inside legitimate SMS conversation threads, making them look authentic. This tactic underscores why users should never trust a sender’s name alone. Always double-check and verify before sending money or payments.

Activate In-app OTP

Fraudsters may pose as GCash agents offering ‘account verification’ or ‘cashback.’ GCash will never ask for your MPIN, OTP, or personal details. For added protection, users are encouraged to turn on in-app OTP, which generates one-time passwords directly inside the GCash app instead of relying on SMS.

Remember

GCash will never send links via SMS, email, or chat apps. Only transact through the official GCash app or verified GCash channels on Facebook and Messenger.

Take charge of your account security with GCash Security Center

The new in-app GCash Security Center gives users direct control over protecting their accounts, funds and transactions against scams, fraud and unauthorized access.

The centralized hub also features user-controlled safeguards: Lock My Account, which allows users to immediately freeze their accounts and block outgoing transactions even if their phones are lost or compromised; Money Lock via GSave, which secures funds by separating them from money available for everyday transactions; and Subscription Center, which enables users to review and disconnect merchants or apps linked to their accounts to prevent unwanted future payments.

Take advantage of scam protection insurance

Because fraudsters attempt to exploit users’ vulnerabilities, GCash users can add another layer of financial protection by availing of Scam Protection Insurance through GInsure.

Underwritten by CHUBB Philippines, policy coverage is up to P15,000 for eligible losses arising from covered scams, including social engineering, account takeover and online shopping fraud. For as low as P20 per month with the new auto-renew feature, eligible users can gain added peace of mind with additional financial protection against covered fraudulent transactions, subject to policy terms and conditions.

Because GInsure Scam Protection Insurance is an insurance policy, money lost to covered scam incidents is paid by the insurance underwriter, and not taken from the GCash wallet of the recipient.

Report and stay informed

If you think you’ve received a spoofed message or encountered a phishing attempt, immediately report it through the Help Center in the GCash app. The GCash security teams continuously monitor and act on reported scams to protect users.

GCash users may also report suspected fraudulent activities to the official GCash Help Center at help.gcash.com by messaging Gigi, “I want to report a scam.” Customers can also contact the official GCash hotline at 2882 for inquiries and other concerns.

By staying informed and alert, travelers can protect themselves from fraud and focus on spending time with their families this Undas.