Board of Directors

FREDERICK Y. DY, 70, Filipino, was elected Chairman Emeritus on April 28, 2015. He served as Chairman of the Board from April 1991 to April 2015 and as Vice Chairman from April 4, 1989 prior to assuming the Chairmanship.

Mr. Dy has been Chairman of St. Luke’s Medical Center since August 2011.

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CIRILO P. NOEL, 68, Filipino, was elected Chairman of the Board on May 7, 2024. He served as Interim Chairman from May 3, 2023 to May 6, 2024 and as Vice Chairman of the
Board from April 28, 2020 to May 2, 2023. He was initially elected to the Board on April 24, 2018.

Mr. Noel is Chairman of Peakpower Energy, Inc., Jin Navitas Electric Corporation, Jin Navitas Solaris Inc. (July 2025 commenced operations) , Juxtapose Ergo Consultus, Inc. (since April 2019), and Confiar Land Corp. (since September 2021). He previously served as Chairman of Palm Concepcion Power Corporation (since June 2018). He is also a Director of PLC-Globe Telecom, Inc. (since April 2018), PLC-San Miguel Foods and Beverage, Inc. (since September 2018), PLC-Robinsons Retail Holdings (since August 2020), PLC-First Philippine Holdings Corporation (since May 2021), Eton Properties, Inc. (since April 2019), Transnational Diversified Group Holdings (since August 2019), Infinity Energy Trading Systems Pte. Ltd. (formerly Amber Kinetics Holdings Co., Pte. Ltd.) (since March 2018), and LH Paragon Group, Golden ABC (since January 2018).

He is a member of the Board of Trustees of St. Luke’s Medical Center Quezon City (since August 2017) and St. Luke’s Medical Center College of Medicine (since September 2018). He is also a board member of St. Luke’s Medical Center Global City (since August 2017) and St. Luke’s Foundation, Inc. (since August 2018), and currently serves as Vice Chairman of St. Luke’s Medical Center Quezon City and Global City, St. Luke’s Medical Center College of Medicine, and St. Luke’s Foundation, Inc.

Mr. Noel is affiliated with the Makati Business Club, Harvard Law School Association of the Philippines, and Harvard Club of the Philippines. He previously served as Director of Philippine Airlines (2018 to 2019), PLC-PAL Holdings, Inc. (2018 to 2019), and PLC-JG Summit Holdings (2018 to 2021).

Prior to joining the Bank, he held various positions at SGV & Co., including Chairman (2010 to 2017), Managing Partner (2009 to 2010), Vice Chairman and Deputy Managing Director (2004 to 2009), Head of the Tax Division (2001 to 2008), and Partner, Tax Services (1993 to 2017). He served as a member of the Ernst & Young Global Advisory Council for two terms, as EY ASEAN Tax Head and Far East Area Tax Leader (2004 to 2009), and as Presiding Partner of the EY Asia Pacific Council.

He was awarded Honorary Life Membership by the Philippine Institute of Certified Public Accountants in November 2024 and was recognized as Outstanding Professional of the Year in Accountancy by the Professional Regulation Commission in 2019. He was named one of the 75 Most Outstanding UE Alumni by the University of the East in 2021 and received the Accountancy Centenary Award of Excellence from the Professional Regulatory Board of Accountancy in March 2023.

Education: Bachelor of Science in Business Administration, University of the East; Bachelor of Laws, Ateneo Law School; Master of Laws, Harvard Law School. He is a Harvard International Tax Program fellow and attended the Asian Institute of Management’s Management Development Program.

DIANA P. AGUILAR, 62, Filipino, was elected to the Board on April 25, 2017. She previously served as Director of the Bank from November 2010 to April 2016 and was appointed Senior Advisor to the Board from July 2016 to April 2017. She is Chairperson of the Trust Committee and a member of the Related Party Transactions and Executive Committees. She also serves as Chairperson of Security Bank Capital Investment Corporation since August 2016.

Ms. Aguilar is an investment banker with extensive experience in capital markets transactions and an entrepreneur with businesses in information technology and electronic payments, retail trade, and property management. She was appointed Commissioner of the Social Security System in August 2010 and currently serves as Chairperson of its Risk Management and Actuary Oversight Committee and as a member of its Investment Oversight and Governance Committees.

Her concurrent directorships include First Philippine Holdings Corporation (since March 2025); Philippine Seven Corporation (since July 2025); PLC-Philex Mining Corporation (since February 2024); Science Park of the Philippines, Inc. (since June 2020); Payment One, Inc. (since 2019); Axios Ventures, Inc. (since January 1997); and she is Treasurer of Asian Holdings Corporation (since January 1994). She also serves as an Independent Director and Chairperson of the Audit Committee of Makati Medical Center (since July 2018); Chairperson of the Investments Committee and member of La Salle Institute’s International Economic Council in Rome (since October 2022); member of the De La Salle Philippines Investment Committee (since July 2018); and Governor and Vice President of the Employers Confederation of the Philippines (since January 2017).

She previously served as Chairperson of the Board of Trustees of La Salle Greenhills (until December 2025); Director Nominee for SSS in PX Energy Corporation (until January 2025); member of the Board of Trustees of De La Salle Medical and Health Sciences Institute (October 2020 to November 2022); member of the Executive Finance Committee of De La Salle-College of Saint Benilde, Inc. (July 2020 to November 2022); member of the La Salle East Asia Boards LEAD Economic Council and LEAD Investment Board (August 2020 to May 2023); Chairperson of the Finance Committee and Treasurer of La Salle Greenhills (December 2019 to September 2021); Director of PXP Mining Corporation (November 2019 to March 2021); Wenphil Corporation (June 2012 to October 2019); Electronic Commerce Payments, Inc. (2004 to 2019); Ionics, Inc. (December 2016 to August 2019); De La Salle Santiago Zobel (2004 to 2017); PXP Energy Corporation (May 2014 to March 2017); Philippine Seven Corporation (1999 to January 2015); Phoenix Petroleum Philippines, Inc. (2010 to March 2013); Philamlife Tower Management Corporation (2022 to 2024); PSE Capital Markets Development (2013 to 2019); CLSA Exchange Capital Corporation (2001 to 2002); and Jardine Fleming Exchange Capital (1988 to 2001).

Education: Bachelor of Science in Computer Studies, De La Salle University; Master’s degree in International Business and Finance, Pepperdine University, Malibu, California.

DANIEL S. DY, 39, Filipino, was elected to the Board on April 27, 2021. He is Chairman of the Executive Committee and a member of the Transformation and Technology, and Nominations and Remuneration Committees.

Mr. Dy is a Director of SB Finance, Inc. (since 2021) and HC Consumer Finance Philippines, Inc. (since May 2025). He previously held various front-office and back-office leadership roles at Security Bank Corporation. Prior to this, he was with the Mortgage-Backed Securities Group of Trust Company of the West in Los Angeles.

Education: Bachelor of Science in Economics Accounting, Claremont McKenna College.

MARIA CRISTINA A. TINGSON, 65, Filipino, was elected to the Board on June 27, 2023. She is Chairperson of the Senior Credit Committee, Vice Chairperson of the Executive Committee, and a member of the Nominations and Remuneration, Trust, Risk Oversight, and Information Security Risk Management Committees. She is a Director of SB Rental Corporation (since May 2014) and a Director of CCT Multipurpose Cooperative (since 2024).

Ms. Tingson previously served as Director of SB Finance (2013 to 2024) and Chairperson of SB Cards Corporation (2019 to 2024). She was Executive Vice President and Retail Banking Segment Head of Security Bank Corporation until December 31, 2022. She was also a member of the Bank’s Assets and Liabilities and People Empowerment Committees and an alternate member of the Credit Committee.

She served as President of SB Cards Corporation from 2015 to 2017. Prior to this, she was Senior Vice President and Head of Corporate Banking until 2013. She joined Security Bank in 1982 as an Account Service Assistant and assumed various positions, including Relationship Manager and Head of Enterprise Risk Management of the Corporate Banking Division, before being appointed Corporate Banking Head in 2009.

Education: Bachelor of Arts in Business Administration, Maryknoll College.

HIROFUMI UMENO, 49, Japanese, was elected to the Board on April 29, 2025. He is a member of the Bank’s Risk Oversight, Senior Credit, and Information Security Risk Management Committees.

He is an Executive Vice President and Alliance Segment Head (since April 2025). Prior to his current role, he was Senior Vice President and MUFG Business Development Head of Alliance Segment from February 2022 to April 2025.

He joined The Bank of Tokyo Mitsubishi, Ltd. (now known as MUFG Bank, Ltd.) in 2000. He has broad and extensive banking experience spanning relationship management (Retail, SME and Large Corporate), strategic planning and risk management, as well as substantial global experiences including over seven years in Singapore.

Education: Degree in Policy Studies, Kwansei Gakuin, University, Hyogo, Japan.

LEE MENG TECK VICTOR (VICTOR LEE), 55, Singaporean, is Director and President and Chief Executive Officer of the Bank (effective January 5, 2026). He chairs the People Empowerment, Enterprise Control Board, and SBC Retirement Committees, and is a member of the Assets and Liabilities, Executive, Transformation and Technology, Risk Oversight and Trust Committees. He is Chairman of SB Finance, Inc. (effective March 5, 2026) and Chairman of Mitsubishi Motors Finance Philippines Inc. (effective February 25, 2026).

He has over 30 years of experience in commercial, SME, consumer, and digital banking, with market coverage across ASEAN, North Asia, South Asia, and the Middle East. Prior to joining the Bank, he served as Chief Executive Officer of CIMB Singapore and Chief Executive Officer of CIMB Group Commercial Banking. He previously held senior leadership roles at Fullerton Financial Holdings (2016–2019), including Executive Vice President and Chief Executive Officer, China, and served as Managing Director at United Overseas Bank Group (2012–2015) and Standard Chartered Bank (2006–2012). Earlier in his career, he held roles at Citibank (1999–2005), Sumitomo Bank (1996–1999), and the Development Bank of Singapore (DBS) (1994–1996).

Education: Bachelor of Applied Science in Materials Engineering, Nanyang Technological University, Singapore.

GERARD H. BRIMO, 74, Filipino, was elected to the Board on April 30, 2019. He is the Chairman of the Audit Committee and a member of the Corporate Governance
and Nominations and Remuneration Committees.

Mr. Brimo is an Independent Director of Commonwealth Foods, Inc. (since 2021).

Prior to his career in mining, Mr. Brimo worked for Citibank for eight years, where he last served as Vice President of the Capital Markets Group in Hong Kong, before joining PLC-Philex Mining Corporation as Vice President for Finance. He served as Chairman and Chief Executive Officer of PLC-Philex Mining Corporation from 1994 until his retirement in December 2003. He also served as President of the Chamber of Mines of the Philippines from 1993 to 1995, as Chairman from 1995 to 2003 and from 2017 to 2021, and as Vice Chairman from 2022 to 2023.

He previously served as Chairman of PLC-Nickel Asia Corporation from 2018 to 2024 and of its subsidiaries Cagdianao Mining Corporation, Cordillera Exploration Co., Inc., Dinapigue Mining Corporation, and Newminco Pacific Mining Corporation. He was also a Director of Nickel Asia Corporation subsidiaries Rio Tuba Nickel Mining Corporation, Taganito Mining Corporation, and Emerging Power, Inc., and served as Chairman of the Board of these companies from 2018 to 2024. In addition, he was Director and Vice Chairman of Nickel Asia Corporation subsidiary Hinatuan Mining Corporation and served as Chairman of the Board from 2018 to 2024.

Education: Bachelor of Science in Business Administration, Manhattan College, USA; Master in Business Management, Asian Institute of Management.

MICHAEL S. CHUA, 59, Filipino, was elected to the Board on April 28, 2026.

He has over 30 years of experience in financial services. He was the Chief Country Officer of Deutsche Bank – Philippines (2019-2024) and had previously served in senior leadership roles in foreign exchange, fixed income, asset-liability management, transaction banking, and corporate banking at the same institution. He also previously served as a Director at Deutsche Knowledge Services Pte. Ltd. and at DWS Business Services, Inc.

Mr. Chua is currently an Independent Director (since 2025) at AppleOne Group, Inc., where he chairs the Risk Management and Related Party Transactions Committees, and is a member of the Audit and Corporate Governance Committees.

Education: Management Engineering (Magna Cum Laude), Ateneo de Manila University; Master of Business Administration, Asian Institute of Management.

ENRICO S. CRUZ, 68, Filipino, was elected to the Board on August 1, 2019. He is the Chairman of the Bank’s Risk Oversight Committee, Vice Chairman of the Nominations and Remuneration Committee, Member (Independent–Non-Voting) of the Senior Credit and Executive Committees, and Member of the Information Security Risk Management Committee.

Mr. Cruz is an Independent Director and Vice Chairman of Security Bank Capital Investment Corporation. He is also an Independent Director of Maharlika Investment Corporation, Philippine Dealing & Exchange Corp., PLC-Ayala REIT, Inc., PLC-The Keepers Holdings, Inc., PLC-DITO CME Holdings Corporation, PLC-Robinsons Retail Holdings, Inc., and CIBI Information Inc., and serves as Lead Independent Director of Maxicare Healthcare Corporation and Maxicare Life Insurance Corporation.

Prior to his election to the Board, Mr. Cruz served as Managing Director and Chief Country Officer of Deutsche Bank AG Manila Branch from 2003 to 2019. He joined Deutsche Bank in 1995 as Director and Head of Global Markets. Prior to this, he served as Senior Vice President and Head of Treasury of Citytrust Banking Corporation, an affiliate of Citibank N.A., where he joined in 1979 as an Executive Development Program Trainee and held various roles before being appointed Head of Treasury in 1989.

Education: Bachelor of Science in Business Economics, University of the Philippines; Master of Business Administration, University of the Philippines.

ESTHER WILEEN S. GO, 55, Filipino, was elected to the Board on April 27, 2021. She is the Chairperson of the Transformation and Technology and Information Security Risk Management Committees. She is also the Vice Chairperson of the Risk Oversight Committee and a member (Independent–Non-Voting) of the Executive Committee.

Ms. Go is President and Chief Executive Officer of MediLink Network. She is a Director of Equicom Savings Bank, Inc.; Equicom Health Services, Inc.; Equicom Health Solutions
Pte. Ltd.; Equicom Medical Inc.; Equicom Shared Services, Inc.; Maxicare Healthcare Corporation; Maxicare Life Insurance Corporation; ALG Holdings, Inc.; Lexington Healthcare Holdings, Inc.; and Metro Dental Health Services, Inc. She is also Director and Treasurer of Doctor Anywhere Philippines, Inc.

She previously served as Vice President of CitiGroup New York, where she handled Operations, Product Development, e-Strategy and Implementation, and Payment Innovation. Prior to this, she worked with Booz Allen Hamilton, SM Department Stores, Equitable Card Network, and the US Committee for UNICEF.

Education: Master of Business Administration, Harvard Business School; Bachelor of Arts in Computer Science and Economics (Magna Cum Laude), Smith College.

ATTY. MARK DENNIS Y.C. JOVEN, 47, Filipino, was elected to the Board on April 28, 2026.

He is a Senior Lecturer of the UP College of Law (since 2009). He is likewise an Independent Director of Ryse, Inc. (a subsidiary of Mynt, Inc.), Palawan Pawnshop, Inc., Eight Under Par (Pawnshop Operator), Inc., Paragua Pawnshop and Financial Services Inc., VG Star Pawnshop and Jewelry Corporation, PPS-PEPP Money Shop Services Corporation, and PPS-PEPP Financial Services Corporation.

Atty. Joven has been an Undersecretary (2018-2023) and Assistant Secretary (2016-2018) of the Department of Finance of the Republic of the Philippines. Atty. Joven’s past board positions include: Philippine National Railway (2018-2023); Manila International Airport Authority (2018-2023); Light Rail Transit Authority (2018-2023); Local Water Utilities Administration (2016-2018); Mactan Cebu Airport Authority (2018-2023); Civil Aviation Authority of the Philippines (2018-2023); Philippine Export Zone Authority (2016-2018). He has likewise served as Executive Director of both the Fund for Responding to Loss and Damage (2023-2026) and the Asian Infrastructure and Investment Bank (2017-2022), and as an Independent Director of Dizon Copper and Silver Mines, Inc. (2006-2008).

He has been engaged in the practice of law and accounting and has been a member of the faculty of the UP College of Law for almost two decades. Atty. Joven is licensed to practice accounting in the Philippines and is a member of both the New York State and Philippine Bar Associations.

Professional training: Senior Fellowship Program in Public Policy, National University of Singapore; Fellow, Yamauichi Japan Initiative.

Education: Bachelor of Science in Business Administration and Accountancy (Cum Laude) and Bachelor of Laws (Cum Laude), University of the Philippines; Master of Public Administration, Harvard Kennedy School; and Master of Laws, Harvard Law School.

ATTY. JOSE PERPETUO M. LOTILLA, 69, Filipino, was elected to the Board on April 27, 2021. He is the Chairman of the Corporate Governance Committee and the Vice Chairman of the Trust and Related Party Transactions Committees.

Atty. Lotilla is an Independent Director of PLC-Synergy Grid and Development Philippines, Inc. (since 2019), Philippine Commercial Capital, Inc. (since 2021), and Land Registration
Systems, Inc. (since 2023). He is Chairman of Carabineros Development, Inc. (since 2019), Corporate Secretary of Amber Kinetics Phil. (since 2019), Legal Consultant of San
Miguel Corporation (since 2017), and Dean of the School of Law of Manuel L. Quezon University (since 2023).

Atty. Lotilla is a member of the Integrated Bar of the Philippines (IBP) and a Special Adviser to the Roman Catholic Diocese of San Jose de Buenavista Antique. He served as Undersecretary for Legal Affairs and Undersecretary in charge of Civil Aviation at the Department of Transportation and Communications from 2012 to 2015 and was the government representative to the Board of PNOC Petrochemical Corporation for several years.

Prior to joining government, Atty. Lotilla was a Senior Partner at Sycip Salazar Hernandez and Gatmaitan Law Offices, where he became a partner in the firm’s Corporate, Special Projects, and Banking, Finance and Securities Practice Groups in 1989. He was Corporate Secretary of GD Searle Philippines for many years and a Legal Consultant of San Miguel Corporation. He was involved in major mergers and acquisitions, banking, finance, securities, and capital markets transactions in the Philippines.

He previously served as an Independent Director of Security Bank Corporation from 2002 to 2012, SB Capital Investment Corporation from 2004 to 2012, and Security Finance, Inc. from 2010 to 2011.

Atty. Lotilla was also President, Trustee, and Director of the Philippine Bar Association, Chairman of the Committee on Bar Discipline, and Governor for Western Visayas of the Integrated Bar of the Philippines. As a banking and finance lawyer, he was rated as the sole band 1 Philippine lawyer for several years by Chambers until he retired from Sycip Law.

Education: Bachelor of Arts in Economics, Ateneo de Manila University; Bachelor of Laws, University of the Philippines.

DR. STEPHEN G. TAN, 49, Filipino, was elected to the Board on May 7, 2024. He is the Vice Chairman of the Bank’s Senior Credit Committee.

Dr. Tan is Senior Pastor (i.e., President) of Grace Christian Church of the Philippines (since 2025) and Vice Chairman of the Senior Credit Committee. He currently serves on the boards of several non-profit and educational institutions, including Wycliffe Philippines as Chairman of the Board, Spartan Scholarships (since 2006), Center for Community Transformation (since 2023), FEBIAS College of the Bible (since 2021), Biblical Seminary of the Philippines (since 2022), and Dallas Theological Seminary (since 2005). He has spoken at conferences, schools, and churches, throughout North America, Europe, and Asia and has served as a guest lecturer at several seminaries and Bible colleges.
He previously worked as a management consultant at Deloitte Consulting and served as Manager of Engineering Design at SBC Communications, now AT&T. He also worked as a Research Assistant in the Solid State Research Group of Southern Methodist University, where he published an article on Semiconductor Microbolometers in the IEEE journal.

Education: Doctor of Philosophy in Transformational Leadership and Change Management, Dallas Theological Seminary; Master of Theology, Dallas Theological Seminary; Bachelor of Science in Electrical Engineering, Southern Methodist University; Bachelor of Science in Mathematics, Southern Methodist University.

ATTY. JOEL RAYMOND R. AYSON, 61, was elected Corporate Secretary on July 29, 2004.

Atty. Ayson is a Partner in Quasha Law (since May 1998 to the present). He is a member of Integrated Bar of the Philippines, President and Past President of the Philippine Bar Association, member of Immigration Lawyers Association of the Philippines and University of the Philippines Law Alumni Association. He is a Founding member of Students Law for Integrity and Democracy-UP College of Law and the UP Association of Political Science Majors.

Atty. Ayson is the Chairman of Unigrowth Resources & Development Corporation and President and Director of Dubor Backtrenmittel Und Apparatebau AG (Philippines), Inc., Vice President and Director of Amtel Trading Corporation and Chairman and President of Ceragon Networks (Philippines), Inc. He is a Director of Quo Vadis Palawan Resort, Inc., Parex Realty Corporation, Trevi Foundations Philippines, Inc., and Konika Minolta Marketing Services (Philippines), Inc., BioSystems Regents & Instruments Inc., Directors Think Tank
Manila, Inc., Sound Business Holdings, Inc.

Atty. Ayson is also a Corporate Secretary and Director of IXSFORALL, Inc., Himlayang Pilipino, Inc., Himlayang Pilipino Plans, Inc., Blue Sky Sea Resort Corp., Bohol Agro Marine Development Corp., Artbank Holdings, Inc., Tambuli Development Corp., Metropolitan Philippines Resort Corporation and Corporate Secretary of Lapu Lapu Resort Development, Inc., Bohol Resort Dev., Inc., Lapu Lapu Resort, Nexlogic Telecommunications Network, Inc., SELC-Global Center Philippines Corporation. He is a Resident Agent of Ceragon Network (HK) Ltd., Medical Services of America Inc., Tanis Food Tec BV, Wagenborg Shipping Holdings BV, Dubor RHQ, OTV France Philippines, and Rademaker B.V. He was the Treasurer and Vice President /Director of the Integrated
Bar of the Philippines, Makati City Chapter (from 2001-2009) before he assumed his position as President (from 2009 to 2011). He was the Treasurer of Instoremedia Philippines, Inc. His practice areas are Corporate Law, Civil Litigation, Administrative law, Immigration Law, Insurance Law, Regulatory, General Practice and Special Projects.

Education: Bachelor of Arts in Political Science (Cum Laude), University of the Philippines; Bachelor of Laws, University of the Philippines.