FEB
2026
ISSUE 01
Welcome Message
From the Chairperson
​​Dear ADBEMC Shareholders,
Welcome to the inaugural issue of the ADBEMC Bulletin, your cooperative’s official newsletter!
This publication marks a new chapter in our journey, as I share this first edition with you, toward greater transparency, engagement, and shared growth. It is more than a newsletter; it reflects our shared commitment to the values that define us: Growth, Responsibility, Empowerment, Action, and Trust.
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Growth – We are committed to pursuing inclusive and sustainable growth for both our members and the cooperative. This means strengthening our financial stability, expanding services, and investing in capacity building that benefits everyone.
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Responsibility – We uphold transparent and accountable governance. As stewards of your trust, we strive to foster a culture rooted in integrity and mutual obligation, where every decision reflects our shared values.
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Empowerment – Our members are our greatest strength. Through education, active participation, and fair opportunities, we aim to empower each of you. We invest in people, not just profits.
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Action – We are focused on results. From implementing new initiatives to streamlining services and solving problems proactively, we believe in moving forward, not paralysis by analysis.
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Trust – Trust is the cornerstone of cooperative unity. We are committed to rebuilding and preserving trust in our leadership, systems, and in one another. Together, we can create a cooperative that is resilient, inclusive, and future-ready.
As we reflect on our cooperative’s progress, we recognize that every milestone is made possible by your continued support and participation. Let this newsletter be a space that not only informs but also inspires, a platform where your voices are heard and your contributions valued.
Thank you for being an essential part of ADBEMC. Let us continue to build a cooperative that reflects our shared vision and values. Let us continue to build a cooperative that not only meets our needs but also uplifts and empowers every member. Together, we can turn our shared vision into lasting impact.
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In solidarity,
Edzen Garcia
Chairperson, ADBEMC
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From the General Manager
​Dear ADBEMC Shareholders,
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It is with great pride and excitement that we launch the first issue of the ADBEMC Bulletin.
A new platform to keep you informed, connected, and engaged with your cooperative.
ADBEMC has always been more than just a financial institution, it is a community built on trust, shared values, and mutual support. This newsletter is part of our commitment to transparency and member empowerment. Through it, we will share updates on our services, financial performance, board decisions, and the many ways we are working to enhance your cooperative experience.
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As your General Manager, I am deeply grateful for the continued support and active participation of our members. Your involvement drives our growth and inspires us to innovate and improve. I encourage you to read, contribute, and share your thoughts as we shape the future of ADBEMC together.
Let’s continue to build a cooperative that reflects our collective aspirations and delivers meaningful value to every member.
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​Ma. Concepcion Laureano
General Manager, ADB Employees' Multi-Purpose Cooperative
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Editor’s Corner
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Welcome to the first issue of the ADBEMC Bulletin!
This newsletter is more than just a collection of updates. It’s a space for connection, reflection, and celebration of our cooperative journey. Each section is crafted to keep you informed, inspired, and involved in the life of our cooperative.
As we launch this inaugural issue, we’re reminded of the power of shared purpose. Whether you’re a long-time member or newly joined, your voice and participation matter. We hope this Bulletin becomes a trusted companion, one that reflects your aspirations and celebrates your milestones.
We invite you to contribute your stories, feedback, and ideas. After all, this is your newsletter.
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Warmly,
JV Husmillo, MemCom​​
