Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.

Appointed: 2 August 2013

Relevant Working Experience:

Over 25 years of experience in investment banking, corporate finance and capital markets with several institutions including Aseambankers, Schroders, Malaysian International Merchant Bankers, JP Morgan and Khazanah Nasional Berhad.

Qualification(s):

• Master of Business Administration (Finance), University of Denver, USA
• Bachelor of Science in Accounting, Pennsylvania State University, University Park, USA
• Advanced Management Program, Harvard Business School
• Chartered Banker, Asian Institute of Chartered Bankers

Present directorship(s):

• Listed Entity/Entities:
• Executive Director/Group President & Chief Executive Officer of Maybank
• President Commissioner of PT Bank Maybank Indonesia Tbk
• Other Public Company/Companies:
• Director of Maybank Singapore Limited
• Director of Cagamas Holdings Berhad
• Director of Financial Industry Collective Outreach
• Vice Chairman of Asian Institute of Chartered Bankers

Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.

Ms. Gayares is the Chief Risk Officer of the BPI Group of Companies and Head of its Risk Management Office since January 2018. As Chief Risk Officer, she is primarily responsible for the overall management of the BPI Group’s enterprise risks and provides executive and strategic risk support to the Bank’s Board of Directors, through the Risk Management Committee (RMC), in fulfilling its risk management function and ensuring that the Bank has an established, sound, and robust enterprise risk management (ERM) framework.

Prior to her appointment as the Chief Risk Officer, Ms. Gayares served as BPI’s Chief Compliance Officer from 2012 to 2017 where she was instrumental in transforming the Bank’s compliance, anti-money laundering, corporate governance, and data privacy frameworks, methods, and processes, and helping the Bank become one of the leading financial institutions in the Philippine banking industry in the areas of governance, risk management, and compliance (GRC).

Ms. Gayares joined BPI in 2000 as part of the merger with Far East Bank and Trust Company. Aside from heading Risk Management and Compliance in BPI, her work experience covered career stints in the areas of Corporate Banking, Credit and Transaction Banking, Loans Operations, Project Management, IT Systems, and Financial Control.

Ms. Gayares is a graduate of the University of the Philippines with a Bachelor’s degree in Business Economics and completed her Master’s degree in Business Administration (major in Finance and Investments) at George Washington University in Washington, D.C.

Ahmad Siddik Badruddin
Managing Director, Chief Risk Officer - PT. Bank Mandiri (Persero) Tbk.
Vice Chairman II - Perbanas

• 31 Years of experience in Banking Industry, appointed as Managing Director – Chief Risk Officer at Bank Mandiri since March 2015 responsible for overall risk management, including in formulating and implementing risk management strategies and policies.
• 24 years of experience at Citibank/Citigroup as Senior Executive in risk management function, based in 7 countries in Asia (Indonesia, Singapore, Hong Kong and the Philippines), Europe (Germany, United Kingdom) and the U.S.A. (New York).
• His last role at Citibank/Citigroup in New York City was Managing Director - Risk Management, responsible for the oversight of North America Credit Cards & Private Label Cards businesses (U.S. & Canada) and unsecured credit portfolios at 13 countries in the Asia Pacific region.
• When he was based in London, U.K., he was Managing Director – Risk Management, responsible for the oversight of the consumer banking credit in 11 countries in Central/Eastern Europe and the Middle East Africa regions
• He joined Citibank Indonesia as a Management Associate in 1990 upon graduation from the University of Texas at Austin, U.S.A. (Bachelors of Science in Chemical Engineering and MBA in Information Systems Management with merit scholarship from IBM).

Manop Sangiambut has served as Group CFO since 2020, playing a pivotal role in formulating the Group’s strategic direction and navigating the highly competitive, fast changing financial services. Manop has taken the leadership in cultivating an AI-first mindset and driving various AI initiatives within the SCBX Group. He received Asia’s Best CFO Award by Corporate Governance Asia (2023), Best and Outstanding CFO Awards by the Investment Analyst Association (2024,2021), and the Issuer of the Year Award by the Thai Bond Market Association (2024).

Prior to his CFO appointments, Manop led SCB’s International Banking Business and China Business, pioneering the development of regional banking platforms in key markets including China, Hong Kong, Singapore, Vietnam, Myanmar, and Cambodia. Under his leadership, SCB was the sole Thai bank to receive the “Best Local Bank in ASEAN for Belt & Road Award” from Asia Money for three consecutive years (2017–2019) and the “Best Belt & Road Bank for Thailand Award” from FinanceAsia in 2018.

Before joining SCB, Manop served as Head of China A-share Research at CLSA in Shanghai and Hong Kong from 2004 to 2012, specializing in China macroeconomic strategy and infrastructure sector investments. Earlier in his career, he worked at the Thai Ministry of Finance, focusing on state-owned enterprise development policies.

Manop holds an MBA in Finance from Carnegie Mellon University, USA, under the Royal Thai Government scholarship, and a Bachelor of Accounting Information Systems from Chulalongkorn University, Thailand. Manop attended the CFO Leadership Program at Harvard Business School (2024) and Advanced Strategic Management course at IMD (2015). He is a certified public accountant (Thailand) and had served as a part-time lecturer at both Chulalongkorn University and Fudan University (Shanghai). In recognition of his academic and professional achievements, he received the “Thai Government Scholar Rising Star Award” in 2018

Mr. Dmytro Kolechko has over 15 years of professional experience at C-level positions in Risk Management and Executive Boards of international banks and financial companies in Ukraine, Bosnia and Herzegovina, Vietnam. Since 2015 he is the Chief Risk Officer at Vietnam Prosperity Bank (VP Bank).

VPBank was the first bank in Vietnam to be awarded regionally for the Achievement in Enterprise risk management in 2021 and the Achievement in Liquidity risk management in 2020 by The Asian Banker.

Mr. Dmytro Kolechko holds PhD, the areas of his research and scientific interests are (a) winning strategies in global business architectonics, and (b) mathematical behavioral modelling of retail customers, private entrepreneurs, and SMEs.

Appointed: 2 August 2013

Relevant Working Experience:

Over 25 years of experience in investment banking, corporate finance and capital markets with several institutions including Aseambankers, Schroders, Malaysian International Merchant Bankers, JP Morgan and Khazanah Nasional Berhad.

Qualification(s):

• Master of Business Administration (Finance), University of Denver, USA
• Bachelor of Science in Accounting, Pennsylvania State University, University Park, USA
• Advanced Management Program, Harvard Business School
• Chartered Banker, Asian Institute of Chartered Bankers

Present directorship(s):

• Listed Entity/Entities:
• Executive Director/Group President & Chief Executive Officer of Maybank
• President Commissioner of PT Bank Maybank Indonesia Tbk
• Other Public Company/Companies:
• Director of Maybank Singapore Limited
• Director of Cagamas Holdings Berhad
• Director of Financial Industry Collective Outreach
• Vice Chairman of Asian Institute of Chartered Bankers

Ms. Gayares is the Chief Risk Officer of the BPI Group of Companies and Head of its Risk Management Office since January 2018. As Chief Risk Officer, she is primarily responsible for the overall management of the BPI Group’s enterprise risks and provides executive and strategic risk support to the Bank’s Board of Directors, through the Risk Management Committee (RMC), in fulfilling its risk management function and ensuring that the Bank has an established, sound, and robust enterprise risk management (ERM) framework.

Prior to her appointment as the Chief Risk Officer, Ms. Gayares served as BPI’s Chief Compliance Officer from 2012 to 2017 where she was instrumental in transforming the Bank’s compliance, anti-money laundering, corporate governance, and data privacy frameworks, methods, and processes, and helping the Bank become one of the leading financial institutions in the Philippine banking industry in the areas of governance, risk management, and compliance (GRC).

Ms. Gayares joined BPI in 2000 as part of the merger with Far East Bank and Trust Company. Aside from heading Risk Management and Compliance in BPI, her work experience covered career stints in the areas of Corporate Banking, Credit and Transaction Banking, Loans Operations, Project Management, IT Systems, and Financial Control.

Ms. Gayares is a graduate of the University of the Philippines with a Bachelor’s degree in Business Economics and completed her Master’s degree in Business Administration (major in Finance and Investments) at George Washington University in Washington, D.C.

Ahmad Siddik Badruddin
Managing Director, Chief Risk Officer - PT. Bank Mandiri (Persero) Tbk.
Vice Chairman II - Perbanas

• 31 Years of experience in Banking Industry, appointed as Managing Director – Chief Risk Officer at Bank Mandiri since March 2015 responsible for overall risk management, including in formulating and implementing risk management strategies and policies.
• 24 years of experience at Citibank/Citigroup as Senior Executive in risk management function, based in 7 countries in Asia (Indonesia, Singapore, Hong Kong and the Philippines), Europe (Germany, United Kingdom) and the U.S.A. (New York).
• His last role at Citibank/Citigroup in New York City was Managing Director - Risk Management, responsible for the oversight of North America Credit Cards & Private Label Cards businesses (U.S. & Canada) and unsecured credit portfolios at 13 countries in the Asia Pacific region.
• When he was based in London, U.K., he was Managing Director – Risk Management, responsible for the oversight of the consumer banking credit in 11 countries in Central/Eastern Europe and the Middle East Africa regions
• He joined Citibank Indonesia as a Management Associate in 1990 upon graduation from the University of Texas at Austin, U.S.A. (Bachelors of Science in Chemical Engineering and MBA in Information Systems Management with merit scholarship from IBM).

Manop Sangiambut has served as Group CFO since 2020, playing a pivotal role in formulating the Group’s strategic direction and navigating the highly competitive, fast changing financial services. Manop has taken the leadership in cultivating an AI-first mindset and driving various AI initiatives within the SCBX Group. He received Asia’s Best CFO Award by Corporate Governance Asia (2023), Best and Outstanding CFO Awards by the Investment Analyst Association (2024,2021), and the Issuer of the Year Award by the Thai Bond Market Association (2024).

Prior to his CFO appointments, Manop led SCB’s International Banking Business and China Business, pioneering the development of regional banking platforms in key markets including China, Hong Kong, Singapore, Vietnam, Myanmar, and Cambodia. Under his leadership, SCB was the sole Thai bank to receive the “Best Local Bank in ASEAN for Belt & Road Award” from Asia Money for three consecutive years (2017–2019) and the “Best Belt & Road Bank for Thailand Award” from FinanceAsia in 2018.

Before joining SCB, Manop served as Head of China A-share Research at CLSA in Shanghai and Hong Kong from 2004 to 2012, specializing in China macroeconomic strategy and infrastructure sector investments. Earlier in his career, he worked at the Thai Ministry of Finance, focusing on state-owned enterprise development policies.

Manop holds an MBA in Finance from Carnegie Mellon University, USA, under the Royal Thai Government scholarship, and a Bachelor of Accounting Information Systems from Chulalongkorn University, Thailand. Manop attended the CFO Leadership Program at Harvard Business School (2024) and Advanced Strategic Management course at IMD (2015). He is a certified public accountant (Thailand) and had served as a part-time lecturer at both Chulalongkorn University and Fudan University (Shanghai). In recognition of his academic and professional achievements, he received the “Thai Government Scholar Rising Star Award” in 2018

Mr. Dmytro Kolechko has over 15 years of professional experience at C-level positions in Risk Management and Executive Boards of international banks and financial companies in Ukraine, Bosnia and Herzegovina, Vietnam. Since 2015 he is the Chief Risk Officer at Vietnam Prosperity Bank (VP Bank).

VPBank was the first bank in Vietnam to be awarded regionally for the Achievement in Enterprise risk management in 2021 and the Achievement in Liquidity risk management in 2020 by The Asian Banker.

Mr. Dmytro Kolechko holds PhD, the areas of his research and scientific interests are (a) winning strategies in global business architectonics, and (b) mathematical behavioral modelling of retail customers, private entrepreneurs, and SMEs.

Graeme Knowd is a Managing Director in the Financial Institutions Group based in Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks, securities firms and other non-bank financial institutions in North Asia (ex-Greater China) , South and South East Asia. Graeme has analyzed financial institutions globally for more than 20 years.

Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements, where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America. He has also worked for other leading financial institutions, such as UBS and S&P, and began his career at the Bank of England. He has worked in London, Switzerland, Tokyo and Singapore.

Graeme has Master’s degrees from the School of Oriental and African Studies, University of London, and Kobe University, where he studied Economics.