Education

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• Bachelor of Arts Major in Economics and Minor in Mathematics, San Beda College; Magna Cum Laude and Valedictorian, 1968-1972

• Master of Science in Industrial Economics (without thesis), Center for Research and Communication (now University of Asia and the Pacific) with Banking and Finance as sectoral experience and Wood as field of industry specialization, 1972-1974

• Certificates of Completion from various local and international training programs in Production, Marketing, Finance and Quality Management, Challenge of Change Program, Eastman Kodak Company in Rochester, New York, USA

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Experience

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• Chairman and CEO, Personal Holdings, Inc., 1991-PRESENT

• President and CEO, Sarmiento Research and Development Corporation, 1991-1996

• National Sales Manager, Appointed to MANCOM, Kodak Philippines, Inc., 1977-1991

• Bank Economist and Head of Economic Research Division, PCIBANK, 1975-1977