Joseph Gotuaco - Bank CFO, Head of Enterprise Service and Executive VP

Mr. Joseph Albert L. Gotuaco is Chief Financial Officer, Executive Vice President, Head of BPIs Retail Banking Group of Bank of the Philippine Islands. He chairs the Banks Capital Expenditure Committee and serves as a member of its Management, Credit, Asset Liability Management, and Operating IT Risk Management Committees. He also serves on the Board of BPI International Finance Ltd., a Hong Kongbased banking subsidiary. He began his banking career in New York City in 1986, as a trader and risk manager for various fixed income products at Chemical Bank, a predecessor firm of J.P. Morgan. In 1994, he was based in Hong Kong for J.P. Morgan, then a major shareholder of BPI. He was responsible for servicing corporate and sovereign clients in the Philippines and in Southeast Asia. In 2002, Mr. Gotuaco joined Credit Suisse in its Fixed Income Division in 2005, he joined Merrill Lynch as Managing Director in its Fixed Income, Currencies Commodities Division and served on the firms AsiaPacific Operating Committee. At both Credit Suisse and Merrill Lynch, he was responsible for developing and marketing fixed income solutions for sovereign and corporate clients across nonJapan Asia. Prior to joining BPI, Mr. Gotuaco worked in a Singaporebased investment vehicle of the Brunei government, where he helped manage a manufacturer of general aviation aircraft, and founded a captive finance company . Mr. Gotuaco obtained his B.S. Economics in Finance and Marketing, summa cum laude, from the Wharton School, University of Pennsylvania, in 1986. He obtained his MBA from Harvard Business School in 1994 since 2017.