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Our Executive Team
Our Executive Team
Our Executive Team




Rick Hunkin
Chief Executive Officer
Rick Hunkin was appointed as the Bank’s Chief Executive Officer on 1 January 2020. He is a vastly experienced financial services executive who has worked in all aspects of retail, commercial and corporate banking for over 35 years. Having started his career at NatWest and then LloydsTSB, he has since covered a wide span of organisations and held seats on the Boards of several UK financial services companies including Tesco Bank, Cheltenham and Gloucester, Goldfish Bank, GE Money and National Bank of New Zealand.   Post the 2007/08 crisis Rick was one of a small senior group hired to resolve issues at Northern Rock and subsequently joined the Executive team leading the establishment of Williams & Glyn (part of the RBS EU remediation programme). Prior to joining BOV, he was Chief Risk Officer of Chetwood Financial.

Mr Hunkin sits on the Bank’s Board of Directors as an Executive Director.  He Chairs the BOV Executive Committee and the Asset Liability Management Committee and is also a member of various management committees.

Mr Rick Hunkin, holds a Masters in Business Administration from Manchester University and a Financial Studies Diploma - a degree level qualification obtained via the Chartered Institute of Bankers and Sheffield Hallam University.  He has been elected a Fellow of the Chartered Institute of Banking in both England and Scotland (FCIB, FCIBS) for services to Banking and Education.


Ernest John Agius
Chief Operations Officer
Ernest John Agius was appointed Chief Operations Officer in May 2016. His previous position within the Bank was that of Change Management Executive, responsible for the setting up of
the Change Management Function, which incorporates Process Management.

Mr Agius's career in the financial services sector spans more than thirty two years during which he has held a number of senior executive positions within the Business and IT. 
As Chief Operations Officer, Mr Agius is responsible for the Bank’s overall Operations, Facilities Management, Administration, Security, Health & Safety, Procurement, Architect’s Services, Customer Service Centre, Customer Issues and Change Management. Mr Agius is responsible for the overall business management of projects, including the Core Banking Transformation programme.

Mr Agius has been a member of the Management Board since June 2016. He chairs the BOV Property Committee and the BOV Procurement Committee.



Joseph Agius
Chief Technology Officer

Joseph Agius was appointed Chief Technology Officer in October 2014, and became a member of the Bank's Management Board in October 2016.

Since joining the Bank in 1985, Mr Agius has garnered over thirty years experience in IT and Financial Services. In this time, he has been actively involved in the implementation of various mission critical projects.

In his role as Chief Technology Officer, Mr Agius is responsible for driving the Bank’s IT strategy. He is a strong proponent for modernisation in IT, and running IT as a business with its inherent business value.

Presently, his primary focus is on leading the Bank’s strategic initiatives on core retail banking transformation and digital banking. In his role as Chief Technology Officer, Mr Agius chairs the Bank’s IT Steering Committee.

Joseph Agius is currently a non-executive director on the Board of the Malta Information Technology Agency. Mr Agius holds an Honours degree in Computer Science from the University of Reading and an MBA in eBusiness from Grenoble Graduate School of Business. He is also a Chartered Engineer and member of the British Computer Society.
  
Miguel Borg
Chief Risk Officer

Appointed to the Board in August 2017. Miguel Borg is the Chief Risk Officer and an Executive Director of Bank of Valletta plc.

He serves as the Deputy Chairman of the Executive Committee (previously referred to as the Management Board) and chairs both the Credit Committee and the Internal Control & Risk Management Committee of BOV. In 2019, Mr Borg was a member of the Ethics Committee. Mr Borg is a Director of BOV Asset Management Ltd and chairs the Risk Committee of the company. He also chairs the Risk Committee of MAPFRE MSV Life plc. Mr Borg is also Chairman of the Central Co-Operative Fund. Prior to joining the Bank, he worked at the Central Bank of Malta.

Mr Borg holds a Masters in Economics and is a member of a number of international risk management associations. He lectures at the University of Malta.

Kenneth Farrugia
Chief Business Development Officer (Investment Services)
Kenneth Farrugia joined the Bank in 1985 and has since occupied various positions within the Bank. Mr Farrugia currently holds the post of Chief Business Development Officer - Investments and sits on the Management Board.

Mr Farrugia is amongst others responsible for the improvement of the Bank’s market position, as well as the achievement of financial growth and long-term strategic business goals. He currently sits on the Board of Directors of BOV Asset Management Limited, and is also a director on the board of the Vilhena Funds SICAV p.l.c. Mr Farrugia is a Fellow of the Institute of Sales and Marketing Management in the UK.


Albert Frendo
Chief Business Development Officer (Credit)
Albert Frendo is an accountant by profession and currently occupies the post of Chief Business Development Officer - Credit of the Group responsible for the Credit and Treasury functions.

His career at the Bank spans over thirty years with wide ranging experience in cost management and financial reporting, risk management and credit finance (both commercial and retail finance). For twelve years, he headed the Bank’s Risk Management Department and was later assigned with the management of the Bank’s overall Credit Portfolio, responsible for a number of key credit areas including Corporate, SME, Consumer and Trade Finance, Collections and Collateral Management. Lately, he was also assigned with the responsibility of the Treasury function.
Mr Frendo was entrusted with the successful launching and management of the first Risk Sharing Instruments aimed at SMEs in Malta including JEREMIE, CIP SMEG and SME Initiative (JAIME). He is a member of the Bank’s Management Board, Provisions Committee, the Bank’s Asset Liability Management Committee (ALCO), Non Performing Loans (NPL) Committee and IT Steering Committee. Mr Frendo holds a degree in Accountancy from University of Malta and a Masters in Business Administration, with specialization in Management Consulting, from Grenoble Graduate School of Business in France.


Elvia George
Chief Finance Officer
Elvia George is the Chief Finance Officer of the Group, a post she has occupied since May 2008. In this role she is responsible for all the core areas of Finance, Management Reporting and the published Group Financial Statements as well as other areas within the Group. 

Ms George is a member of various committees and boards within and outside the Group including voluntary organisations. Ms George is a certified public accountant, graduating with first
class honours in accountancy from the University of Malta and a Fellow of the Malta Institute of Accountants. Besides lecturing at the University of Malta, where her area of expertise is accounting for financial institutions, she also supervises a number of students in their dissertation during their final year of the professional degree of the Masters in Accountancy or for an MA in Financial Services. She is involved with the Malta University Examination Panel and has also served as a member of the Accountancy Board for a number of years.



Anthony Scicluna
Chief Officer Human Resources and Ethics
Anthony Scicluna was appointed as Chief Officer Ethics and Employee Development in 2016, and became a member of the Management Board (now Executive Committee) in November 2019.

As Chief Officer Ethics and Employee Development, Mr Scicluna is responsible for the Group’s human resources, training, ethics and employee professional development. Mr. Scicluna joined the Bank in 1984 and mainly held positions within the bank’s branch network, finance and internal audit. Between 2005 and 2013 he was responsible for the Bank’s Group Internal Audit. Mr Scicluna is a certified public accountant and holds a practicing certificate in auditing. He is a Fellow of the Malta Institute of Accountants and also holds an honours degree in Business Management from the University of Malta. Mr Scicluna is a member of various committees within and outside the Group.


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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).