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Banco Santander SA (SAN.MC)

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Summary

Name Age Since Current Position

Jose Alvarez

60 2019 Chief Executive Officer and Executive Vice Chairman of the Board

Bruce Carnegie-Brown

61 2016 Vice Chairman of the Board and Lead Independent Non-Executive Director

Jose Antonio Garcia Cantera

54 2016 Group Chief Financial Officer

Jaime Perez Renovales

52 2016 Group Head of General Secretariat and Human Resources, Secretary

Juan Manuel Cendoya Mendez de Vigo

53 2017 Group Head of Communications, Corporate Marketing and Research

Marjolien van Hellemondt-Gerdingh

56 2019 Group Chief Compliance Officer

Jose Francisco Doncel Razola

59 2018 Group Head of Accounting and Financial Control

Ana Botin-Sanz de Sautuola O'Shea

60 2014 Executive Chairman of the Board

Jennifer Scardino

53 Head of Global Communications, Group Deputy Head of Communications, Corporate Marketing and Research

Rami Aboukhair Hurtado

53 2015 Country Head of Santander Spain

Lindsey Argalas

52 Head of Santander Digital

Jose Luis de Mora Gil-Gallardo

51 2020 Group Head of Strategy And Corporate Development And Of Consumer Finance (Santander Consumer Finance)

Keiran Foad

52 2018 Group Chief Risk Ofcer

Juan Guitard Marin

60 2017 Group Chief Audit Executive

Jose Maria Linares Perou

2017 Global Head of Corporate & Investment Banking

Monica Lopez-Monis Gallego

51 2018 Group head of Supervisory and Regulatory Relations

Javier Maldonado Trinchant

58 Goup Head of Costs

Dirk Marzluf

50 2018 Group Head of Technology and Operations

Victor Matarranz Sanz de Madrid

44 2018 Global Head of Wealth Management & Insurance

Jose Maria Nus Badia

69 2019 Risk Adviser to Group Executive Chairman

Francisco Javier San Felix Garcia

53 2018 Head of Santander Global Payments

Ignacio Benjumea Cabeza de Vaca

68 2015 Non-Executive Director

Javier Botin-Sanz de Sautuola y O'Shea

47 2004 Non-Executive Director

Guillermo de la Dehesa Romero

78 2019 Non-Executive Director

Rodrigo Echenique Gordillo

74 2018 Non-Executive Director

Homaira Akbari

59 2016 Non-Executive Independent Director

Alvaro Antonio Cardoso de Souza

72 2017 Non-Executive Independent Director

R. Martin Chavez

54 2020 Non-Executive Independent Director

Sol Daurella Comadran

54 2014 Non-Executive Independent Director

Henrique de Castro

55 2019 Non-Executive Independent Director

Ramiro Mato Garcia-Ansorena

68 2017 Non-Executive Independent Director

Belen Romana Garcia

55 2015 Non-Executive Independent Director

Pam Walkden

2019 Non-Executive Independent Director

Biographies

Name Description

Jose Alvarez

Mr. Jose Antonio Alvarez serves as Chief Executive Officer and Executive Vice Chairman of the Board of the Company. He Graduate in Economics and Business Administration. MBA from the University of Chicago. Experience: He joined Santander in 2002 and was appointed senior executive vice president of the Financial Management and Investor Relations division in 2004 (Group chief financial officer). He served as director at SAM Investments Holdings Limited, Santander Consumer Finance, S.A. and Santander Holdings US, Inc. He also sat on the supervisory boards of Santander Consumer AG, Santander Consumer Bank GmbH and Santander Bank Polska, S.A. He was also a board member of Bolsas y Mercados Españoles, S.A. Other positions of note: None. Positions in other Group companies: He is non-executive director of Banco Santander (Brasil) S.A. Membership of board committees: Executive committee and innovation and technology committee. Skills and competencies: With a distinguished career in the banking sector, he is a highly qualified and talented leader. He brings to the board significant strategic and international management expertise, in particular in relation to financial planning, asset management and consumer finance. He has a strong experience with and reputation amongst key stakeholders, such as regulators and investors.

Bruce Carnegie-Brown

Mr. Bruce Neil Carnegie-Brown serves as Vice Chairman of the Board and Lead Independent Non-Executive Director of the Company. Education: Master of Arts in English Language and Literature from the University of Oxford. Experience: He was non-executive chairman of Moneysupermarket.com Group plc. (2014-2019), non executive director of Jardine Lloyd Thompson Group plc (2016-2017) and he held the non-executive chair of AON UK Ltd (2012-2015). He was also the founder and managing partner of the quoted private equity division of 3i Group plc., and president and chief executive officer of Marsh Europe, S.A. He was also lead independent director at Close Brothers Group plc. (2006-2014) and at Catlin Group Ltd (2010-2014). He previously worked at JP Morgan Chase for eighteen years and at Bank of America for four years. Other positions of note: He is the non-executive chairman of Lloyd’s of London and of Cuvva Limited. Positions in other Group companies: He is non-executive director of Santander UK, Plc. and of Santander UK Group Holdings Limited. Membership of board committees: Executive committee, appointments committee (chairman), remuneration committee (chairman), and innovation and technology committee. Skills and competencies: He has a strong and broad background in the banking sector (in particular, in investment banking) and also relevant experience in the insurance sector. He also possesses significant international experience, having had extensive exposure to Europe (UK), Middle East and Asia. His top management experience brings to the board know how in remuneration, appointments and risk-related matters. In addition, as lead independent director, he has gained an excellent understanding of investor expectations and experience in managing relations with them and with financial communities.

Jose Antonio Garcia Cantera

Mr. Jose Antonio Garcia Cantera serves as Group Chief Financial Officer of the Company. He joined the Group in 2003 as senior executive García Cantera vice president of global wholesale banking of Banco Español de Crédito, S.A. (Banesto). In 2006 he was appointed Banesto’s chief executive ofcer. Formerly, he was member of the executive committee of Citigroup EMEA and member of the board of directors of Citigroup Capital Markets Int, Ltd. and Citigroup Capital Markets UK. In 2012 he was appointed senior executive vice president of Global Corporate Banking. Currently he serves as Group chief financial officer.

Jaime Perez Renovales

Mr. Jaime Perez Renovales serves as Group Head of General Secretariat and Human Resources, Secretary of the Company. He will lead the newly-created Division of General Secretariat and Human Resources, which will integrate the areas of Legal and Tax and all the areas which were under the former division of Human Resources, Organization and Costs. Previously, he served as Executive Vice President and Assistant General Secretary of Banco Santander SA until 2011. He joined the Group in 2003 as Secretary of the Board of Directors of Banco Espanol de Credito (Banesto). In March 2009, he was appointed as Executive Vice President of Banco Santander and Assistant General Secretary.

Juan Manuel Cendoya Mendez de Vigo

Mr. Juan Manuel Cendoya Mendez de Vigo serves as Group Head of Communications, Corporate Marketing and Research of the Company. He joined the Bank in July 2001 as Group senior executive vice president and head of the Communications, Corporate Marketing and Research division. In 2016 he was appointed vice chairman of the board of directors of Santander Spain and head of Institutional and Media Relations of that unit, in addition to his function as Group head of Communications, Corporate Marketing and Research. He is also a member of the board of directors of Universia. Formerly, he was head of the legal and tax department of Bankinter, S.A. Juan Manuel Cendoya is a State Attorney. Positions held in other non-Group companies: He is currently a non-executive director at Arena Media Communications Network, S.L.

Marjolien van Hellemondt-Gerdingh

Ms. Marjolien van Hellemondt-Gerdingh serves as Group Chief Compliance Officer of the Company. She joined the Group in 2019 as senior executive vice president and Group chief compliance officer. Previously she was chief compliance officer of several banking or financial entities like NN Group, Zurich Insurance Company and De Lage Landen International B.V.

Jose Francisco Doncel Razola

Mr. Jose Francisco Doncel Razola serves as Group Head of Accounting and Financial Control of the Company. He joined the Group in 1989 as head of accounting. He also served as head of accounting and fnancial management at Banco Español de Crédito, S.A. (Banesto) (1994-2013). In 2013 he was appointed senior executive vice president and head of the Internal Audit division. In 2014 he was appointed Group head of Accounting and Financial Control. Currently he serves as Group chief accounting officer.

Ana Botin-Sanz de Sautuola O'Shea

Ms. Ana Botin-Sanz de Sautuola O'Shea serves as Executive Chairman of the Board of Directors of Banco Santander, S.A. since September 10, 2014. She She joined Banco Santander, S.A. after working at JP Morgan (New York, 1980-1988). In 1992 she was appointed senior executive vice president. Between 1992 and 1998 she led the expansion of Santander in Latin America. In 2002, she was appointed executive chairman of Banco Español de Crédito, S.A. Between 2010 and 2014 she was chief executive officer of Santander UK. In 2014 she was appointed executive chairman of Santander. Other positions of note: Member of the board of directors of The Coca-Cola Company. She is also founder and chairman of the CyD Foundation (which supports higher education) and of the Empieza por Educar Foundation (the Spanish subsidiary of the international NGO Teach for All) and she sits on the advisory board of the Massachusetts Institute of Technology (MIT). Positions in other Group companies:She is non-executive director of Santander UK plc. and of Santander UK Group Holdings plc.; non-executive chairman of Universia España Red de Universidades, S.A.and of Universia Holding, S.L, and nonexecutive director of Santander Holding USA, Inc. and of Santander Bank, N.A. Membership of board committees: Executive committee (chairman), innovation and technology committee (chairman), and responsible banking, sustainability and culture committee. Skills and competencies: She has an extensive international executive career in the banking sector, where she has held the highest executive positions. She has also led the transformational, strategic and cultural change in the Santander Group. In addition, she has shown an ongoing commitment to sustainable and inclusive growth, as reflected in her philanthropic activities.

Jennifer Scardino

Ms. Jennifer Scardino is Head of Global Communications, Group Deputy Head of Communications, Corporate Marketing and Research of the Company. She joined the Group in 2011 as head of Corporate Communications, Public Policy and Corporate Social Responsibility for Santander UK. She also held several positions in the US Securities and Exchange Commission (1993-2000). She was appointed managing director of Citigroup (2000-2011). In 2016 she was appointed senior executive vice president and head of Global Communications and Group deputy head of Communications, Corporate Marketing and Research.

Rami Aboukhair Hurtado

Mr. Rami Aboukhair Hurtado serves as Country Head of Santander Spain of the Company. He joined the Group in 2008 as a director of Santander Insurance and head of Products and Marketing. He also served as managing director of products, marketing and customers in Banco Español de Crédito, S.A. (Banesto) and as managing director and head of Retail Banking in Santander UK. In 2015 he was appointed country head for Santander Spain and in 2017 he was named CEO of Banco Popular Español, S.A. until its merger with Banco Santander, S.A. He is currently senior executive vice president and country head of Santander Spain.

Lindsey Argalas

Ms. Lindsey Tyler Argalas serves as Head of Santander Digital of the Company. She joined the Group as senior executive vice president and Group head of Santander Digital. She served as principal of The Boston Consulting Group (BCG) (1998-2008). She also served as senior vice president and chief of staf to the CEO of Intuit Inc. (2008-2017).

Jose Luis de Mora Gil-Gallardo

Mr. Jose Luis de Mora Gil-Gallardo serves as Group Head of Strategy And Corporate Development And Of Consumer Finance (Santander Consumer Finance) of the Company. He joined the Group in 2003. Since 2003, he has been in charge of developing the Group strategic plan and acquisitions. In 2015 he was appointed Group senior executive vice president and Group head of Financial Planning and Corporate Development. Since 15 February 2019, the Strategy function has been integrated with the Corporate Development function. Since 1 January 2020, he is also head of Santander Consumer Finance.

Keiran Foad

Mr. Keiran Paul Foad serves as Group Chief Risk Ofcer of the Company. He joined the Group in 2012 as deputy chief risk ofcer of Santander UK. He also served in various risk and corporate leadership roles at Barclays Bank, plc. (1985-2011) and as chief risk ofcer at Northern Rock, plc. In 2016 he was appointed senior executive vice president and deputy chief risk officer of the Bank until his appointment in 2018 as the Group chief risk officer.

Juan Guitard Marin

Mr. Juan Guitard Marin serves as Group Chief Audit Executive of the Company. He joined the Group in 1997 as head of human resources of Santander Investment, S.A. He was also General Counsel and Secretary of the board of Santander Investment, S.A. and Banco Santander de Negocios. In 2013 he was head of the Bank’s Risk division. In November 2014 he was appointed head of the Internal Audit division. Currently, he serves as Group chief audit executive. Juan Guitard is a State Attorney.

Jose Maria Linares Perou

Mr. Jose Maria Linares Perou serves as Global Head of Corporate & Investment Banking of the Company. He worked as senior vice president and senior Latin America telecom equity analyst at Oppenheimer & Co. New York (1994-1997). He also served as Director Senior Latin America TMT equity analyst at Société Générale, New York & São Paolo (1997-1999). In 1999 he joined J.P. Morgan and in 2011 was appointed as managing director and head of Global Corporate Banking at J.P. Morgan Chase & Co. (2011-2017). In 2017 he was appointed senior executive vice president of the Group and Global head of Corporate & Investment Banking.

Monica Lopez-Monis Gallego

Ms. Monica Lopez-Monis Gallego serves as Group head of Supervisory and Regulatory Relations of the Company. She joined the Group in 2009 as general secretary OFFICER and board secretary of Banco Español de Crédito, S.A. (Banesto). Formerly, she was general secretary of Aldeasa, S.A. She also served as general secretary of Bankinter, S.A. In 2015 she was appointed senior executive vice president of Santander and Group chief compliance ofcer. Mónica López-Monís is a State Attorney.

Javier Maldonado Trinchant

Mr. Javier Maldonado Trinchant is Goup Head of Costs of the Company. He joined the Group in 1995 as head of the International Legal division of Banco Santander de Negocios, S.A. He was in charge of several positions in Santander UK. He was appointed senior executive vice president of Santander and head of Coordination and Control of Regulatory Projects in 2014. He currently serves as Group senior executive vice president and head of Costs.

Dirk Marzluf

Mr. Dirk Marzluf is Group Head of Technology and Operations of the Company. He joined the Group in 2018 as Group senior executive vice president and Group head of IT and Operations. Previously he held several positions in AXA Group, where he served as group CIO from 2013 leading the insurance group’s technology and information security transformation and co- sponsor of its digital strategy. His global roles include previous work at Accenture, Daimler Chrysler and Winterthur Group.

Victor Matarranz Sanz de Madrid

Mr. Victor Matarranz Sanz de Madrid serves as Global Head of Wealth Management & Insurance of the Company. He joined the Group in 2012 as head of Strategy and Innovation in Santander UK. In 2014 he was appointed senior executive vice president and head of Executive chairman’s office and strategy. Previously, he held several positions in McKinsey & Company where he became partner. Currently, he serves as Global head of Wealth Management.

Jose Maria Nus Badia

Mr. Jose Maria Nus Badia serves as Risk Adviser to Group Executive Chairman of the Company. He joined the Group in 1996 as executive director and chief risk officer of Banco Español de Crédito, S.A. (Banesto). In 2010 he was appointed executive director and chief risk officer of Santander UK. He also served as Group chief risk officer until June 2018. Formerly, he served as senior executive vice president in Argentaria, S.A. and Bankinter, S.A.. He currently serves as senior executive vice president and risk advisor to Group executive chairman.

Francisco Javier San Felix Garcia

Mr. Francisco Javier San Felix Garcia serves as Head of Santander Global Payments of the Company. He joined the Group in 2004 as head of Strategic Planning in the Consumer Finance division. In 2005 he was appointed director and executive vice president of Santander Consumer Finance in Spain and in 2006 he was appointed chief operating officer of the Santander Consumer Finance division. From 2012 to 2013, he was the chief executive officer of Banco Español de Crédito, S.A. (Banesto). In 2013 he was appointed senior executive vice president of Banco Santander, S.A. and head of the Commercial Banking division and from 2016 to 2018 he served as senior executive vice president and head of Retail and Commercial Banking in the UK. Currently, he serves as head of Santander Global Payments.

Ignacio Benjumea Cabeza de Vaca

Mr. Ignacio Benjumea Cabeza de Vaca serves as Non-Executive Director of Banco Santander, S.A. Education: Degree in Law from Deusto University, ICADE E-3 and State Attorney. Experience: Former senior executive vice president, general secretary and secretary of the board of Banco Santander, S.A. and board member, senior executive vice president, general secretary and secretary to the board of Banco Santander de Negocios, S.A. and of Santander Investment, S.A. He was also technical general secretary of the Ministry of Employment and Social Security, general secretary of Banco de Crédito Industrial, S.A. and director of Dragados, S.A., Bolsas y Mercados Españoles, S.A. (BME) and of the Governing Body of the Madrid Stock Exchange. Other positions of note: He is vice chairman of the board of trustees and member of the executive committee of the Financial Studies Foundation and a member of the board of trustees and the executive committee of the Banco Santander Foundation. Positions in other Group companies: None. Membership of board committees: Executive committee, remuneration committee, risk supervision, regulation and compliance committee, innovation and technology committee and responsible banking, sustainability and culture committee. Skills and competencies: He brings significant financial expertise to the board, in particular in banking and capital markets. He also has a wide experience in corporate governance and regulatory matters, having served as general secretary and secretary of the board of several banking institutions and held several positions in the Spanish government. He also has a significant involvement in several foundations.

Javier Botin-Sanz de Sautuola y O'Shea

Mr. Javier Botin-Sanz de Sautuola y O'Shea serves as Non-Executive Director of the Company. Education: Degree in Law from the Complutense University of Madrid. Experience: Since 2008, founder and executive chairman of JB Capital Markets, Sociedad de Valores, S.A.U., co-founder and executive director, equities division of M&B Capital Advisers, S.V., S.A. (2000-2008). Previously he was legal advisor to the International Legal Department of Banco Santander, S.A. (1998-1999). Other positions of note: In addition to his work in the financial sector, he collaborates with several non-profit organizations. Since 2014 he has been chairman of the Botín Foundation. He is also a trustee of the Princess of Gerona Foundation. Positions in other Group companies: None. Membership of board committees: None. Skills and competencies: He brings to the board international and management experience, in particular in the financial and banking sector. He also brings a deep knowledge of the Santander Group and its operations and strategy, acquired through his tenure as a non-executive director of the Bank.

Guillermo de la Dehesa Romero

Mr. Guillermo de la Dehesa Romero serves as Non-Executive Director of the Company. Education: Government Economist and head of office of the Bank of Spain. Experience: Former secretary of state of Economy, secretary general of Trade, chief executive officer of Banco Pastor, S.A., international advisor to Goldman Sachs International, chairman of Aviva Grupo Corporativo, S.L. and non-executive chairman of Santa Lucía Vida y Pensiones, S.A. Other positions of note: He is currently non-executive vice chairman of Amadeus IT Group, S.A., honorary chairman of the Centre for Economic Policy Research (CEPR) of London, member of the Group of Thirty based in Washington and chairman of the board of trustees of IE Business School. Positions in other Group companies: None. Membership of board committees: Executive committee, appointments committee, remuneration committee, and innovation and technology committee. Skills and competencies: He has an extensive banking experience (both executive and non-executive). In addition, due to his experience and education, he brings to the board strategic insights in the macroeconomic and regulatory environment and on business management, after having held top management positions as well as non-executive positions.

Rodrigo Echenique Gordillo

Mr. Rodrigo Echenique Gordillo serves as Non-Executive Director of the Company. Experience: From 1973 to 1976 he held several positions in the Spanish Public Administration (General Secretary of the Post and Telecommunications Office, Technical Advisor in the Office of the Spanish Prime Minister and other positions in the Spanish Tax Authority offices in Pontevedra and Madrid). Former chief executive officer of Banco Santander, S.A. between 1988 and 1994. He served on the board of directors of several industrial and financial companies, including Ebro Azúcares y Alcoholes, S.A. and Industrias Agrícola, S.A., and was chairman of advisory of Accenture, S.A. He was also non-executive chairman of NH Hotels Group, S.A., Vocento, S.A., Vallehermoso, S.A. and Merlin Properties SOCIMI, S.A. He has also been non-executive chairman of Banco Popular Español, S.A. Other positions of note: He is non-executive director of Inditex, S.A. and chairman of the board of trustees and the executive committee of the Banco Santander Foundation. Positions in other Group companies: He is non-executive director of Universia Holding, S.L., of Banco Santander Chile, S.A. and of Universia España, Red de Universidades, S.A. He is also nonexecutive director and vicechairman of Banco Santander International. Membership of board committees: Appointments committee. Skills and competencies: His extensive senior executive experience in the banking sector and also other non-executive roles in various industrial companies along with his deep knowledge on the Santander Group are very valuable for the board. In addition, his prior experience in the Spanish government provides the board with strategic insights into regulations and relations with the public sector.

Homaira Akbari

Dr. Homaira Akbari serves as Non-Executive Independent Director of the Company. Education: Doctorate in Experimental Particle Physics from Tufts University and MBA from Carnegie Mellon University. Experience: She was non-executive director of Gemalto NV and of Veolia Environment, S.A. she was chairman and CEO of SkyBitz, Inc., managing director of TruePosition Inc., non-executive director of Covisint Corporation and US Pack Logistics LLC. and she has held various posts at Microsoft Corporation and at Thales Group. Other positions of note: She is chief executive officer of AKnowledge Partners, LLC, non-executive chairman of WorkFusion, Inc. and non-executive director of Landstar System, Inc. Positions in other Group companies: She is non-executive director of Santander Consumer USA Holdings Inc Membership of board committees: Audit committee, innovation and technology committee and responsible banking, sustainability and culture committee. Skills and competencies: She brings significant executive experience in technology-related companies. Her knowledge of the digital transformation challenges is an asset to the board. In addition, her insights, gained from her extensive international experience in a diverse range of geographies and her knowledge in the management and treatment of water, energy and waste resources, are of particular value to our Group.

Alvaro Antonio Cardoso de Souza

Mr. Alvaro Antonio Cardoso de Souza serves as Non-Executive Independent Director of the Company. Education: Degree in Economics and Business Administration from Pontificia Universidade Católica de Sao Paulo, Master of Business Administration (MBAManagement Program for Executives) from the University of Pittsburgh and a graduate of the Investment Banking Marketing Program from Wharton Business School. Experience: He has held various positions at the Citibank Group, including CEO of Citibank Brazil and various senior positions in the US with respect to the consumer finance, private banking and Latin American businesses. He was a member of the board of AMBEV. S.A., Gol Linhas Aéreas, S.A. and of Duratex, S.A. He has been chairman of WorldWildlife Group (WWF) Brazil, member of the board of WWF International and chairman and member of the audit and asset management committees of FUNBIO (Fundo Brasileiro para a Biodiversidade). Other positions of note: None. Positions in other Group companies: He is non-executive chairman of Banco Santander (Brasil) S.A. Membership of board committees: Risk supervision, regulation and compliance committee (chairman) and responsible banking, sustainability and culture committee. Skills and competencies: He possesses a broad international banking experience, particularly in Brazil. He has a solid understanding of strategy and risk management-related matters, acquired from his executive experience, which is key to his role as chairman of our risk supervision, regulation and compliance committee. In addition, he actively collaborates in several environmental foundations and NGOs which brings him very useful knowledge in sustainability matters.

R. Martin Chavez

Mr. R. Martin Chavez serves as Non-Executive Independent Director of the Company. Mr Chávez, a US citizen, brings extensive experience in the financial sector having worked for 20 years at Goldman Sachs, including as a partner since 2006, and a member of the management committee since 2012, until his retirement at the end of 2019. He began his career as a software engineer and founded a number of technology companies in Silicon Valley and New York, adding further to the board’s digital expertise.

Sol Daurella Comadran

Ms. Sol Daurella Comadran serves as Non-Executive Independent Director of the Company. Education: Degree in Business and MBA from ESADE. Experience: She served on the board of the Círculo de Economía and also as an independent non-executive director at Banco Sabadell, S.A., Ebro Foods, S.A. and Acciona, S.A. She has also been the honorary consul general of Iceland in Barcelona since 1992. Other positions of note: She is chairman of Coca Cola European Partners, plc., executive chairman of Olive Partners. S.A. and holds several positions at companies belonging to the Cobega Group. She is also chairman of the board of trustees of the FERO Oncology Research Foundation. Positions in other Group companies: None. Membership of board committees: Appointments committee, remuneration committee and responsible banking, sustainability and culture committee. Skills and competencies: She brings to the board excellent skills in strategy and high-level management, acquired through her international top executive experience in listed and large privately held entities, in particular in the distribution sector. She has a wide experience in corporate governance, having chaired several boards, and also in audit after having served as a member of several audit committees. In addition, her experience as a trustee of various Foundations oriented to health, education and environmental matters brings the board responsible business and sustainability insights.

Henrique de Castro

Mr. Henrique de Castro serves as Non-Executive Independent Director of the Company. Education: Degree in Business Administration from the Lisbon School of Economics and Management (Portugal) and Master’s Degree in Business Administration (MBA) from the University of Lausanne (Switzerland). Experience: He was independent director of First Data Corporation and chief operating officer of Yahoo. Previously, he was the manager of the worldwide devices, media and platform business of Google, the sales and business development manager for Europe of Dell Inc. and a consultant at McKinsey & Company. Other positions of note: He is independent director of Fiserv Inc. and of Target Corporation. Positions in other Group companies: None. Membership of board committees: Audit committee, remuneration committee and innovation and technology committee. Skills and competencies: Due to the executive positions he has held in top technological companies worldwide, he brings to the board valuable experience in and strategic insights about the technological and digital industry as well as an outstanding international experience in a wide range of geographies.

Ramiro Mato Garcia-Ansorena

Mr. Ramiro Mato Garcia-Ansorena serves as Non-Executive Independent Director of Banco Santander S.A. Education: Degree in Economics from the Complutense University of Madrid and Management Development Programme of the Harvard Business School. Experience: He has held several positions in Banque BNP Paribas, including chairman of the BNP Paribas Group in Spain. Previously, he held several significant positions in Argentaria. He has been a member of the Spanish Banking Association (AEB) and of Bolsas y Mercados Españoles, S.A. (BME) and member of the board of trustees of the Fundación Española de Banca para Estudios Financieros (FEBEF). Other positions of note: None. Positions in other Group companies: None. Membership of board committees: Executive committee, audit committee, risk supervision, regulation and compliance committee and responsible banking, sustainability and culture committee (chairman). Skills and competencies: He has had an extensive career in banking and capital markets, where he has held senior executive and non-executive positions. He brings to the board significant expertise in top management and also in audit, risk and strategy, mainly related to the financial sector. In addition, he has been actively participating in the boards of trustees of several foundations aimed at enhancing education.

Belen Romana Garcia

Ms. Belen Romana Garcia serves as Non-Executive Independent Director of Banco Santander S.A. since December 22, 2015. Education: Graduate in Economics and Business Administration from Universidad Autónoma de Madrid and Government Economist. Experience: She was formerly senior executive vice president of Economic Policy and senior executive vice president of the Treasury of the Ministry of Economy of the Spanish Government, as well as director of the Bank of Spain and the CNMV. She also held the position of director of the Instituto de Crédito Oficial and of other entities on behalf of the Spanish Ministry of Economy. She served as non-executive director of Banco Español de Crédito, S.A. and executive chairman of Sociedad de Gestión de Activos Procedentes de la Reestructuración Bancaria, S.A. (SAREB). Other positions of note: Non-executive director of Aviva plc. London and of Aviva Italia Holding SpA, member of the advisory boards of GFI España and TribalData, member of the advisory board of the Rafael del Pino Foundation and co-chair of the Global Board of Trustees of the Digital Future Society. Positions in other Group companies: None. Membership of board committees: Executive committee, audit committee (chairman), risk supervision, regulation and compliance committee, innovation and technology committee and responsible banking, sustainability and culture committee. Skills and competencies: Her background as a government economist and her overall, executive and non-executive, experience in the financial sector (in particular, in the audit committee of listed companies) support her recognition as financial expert. In addition, the relevant positions held in Spanish credit institutions and in the field of capital markets provide her with strategic insights into banking, financial regulations and Spanish government relations.

Pam Walkden

Ms. Pam Walkden serves as Non-Executive Independent Director of the Company. Education: Master's Degree on Economics from Cambridge University. Experience: She possesses an extensive career in the banking sector. She has served in a number of senior management positions at Standard Chartered Bank, including as Group Head of Human Resources, Chief Risk Officer, Group Treasurer, Group Head of Asset and Liability Management and Regional Markets, Group Head of Internal Audit, Group Head of Corporate Affairs and Group Manager of Investor Relations. In addition, she served as an independent member of the UK Prudential Regulation Authority (PRA) Regulatory Reform Panel and as member of the European Banking Authority Stakeholder Group. Other positions of note: She is a lay member of the Welfare and Ethics Committee of the Royal Veterinary College. Positions in other Group companies: None. Membership of board committees: Audit committee. Skills and competencies: She brings to the board a broad experience in the banking industry along with a significant international and audit experience, which support her recognition as financial expert.