Francisco Botas Ratera
Chief Executive Officer
The CEO is responsible for the day-to-day management of the business, with the highest executive functions, as the Board of Directors has delegated all its powers to him, with the sole exception of those that cannot be delegated under the law, the Articles of Association or the Regulations of the Board of Directors.
Alberto de Francisco Guisasola
Chief Financial Officer
This area conducts the design, development and implementation of strategies aimed at managing ABANCA’s finances, through the budget management, cost-benefit analysis, assessment of financial performance and the implementation of best practices, oriented to ensure and sustain profitability, compliance of the strategies and the Bank’s profitability targets. Likewise, it is the area in charge of drafting and reporting the Bank's financial information, both internally and official reports. This area also addresses the development strategies of the entire real estate business, both own assets and foreclosed assets, through the processes of asset entries and transactions, commercial management of land and building works in progress, real estate control, marketing of real estate, and strategy and commercial management.
José Manuel Valiño Blanco
General manager for IT, data, processing and operations
His duties are essentially focused on maximising the efficiency of the technological architecture, engineering, the development and operation of the IT applications and infrastructure as well as the processes, the innovation and the implementation of project and general services aimed at operational excellence and cost efficiency.
María Camino Agra
This department is responsible for the recruitment, retention, management, development and training of the human capital of the bank, by implementing the organisational best practices and the development of human talent the organisation requires. It is also responsible for the management and strengthening of the corporate climate and its cultural values.
Juan Luis Vargas-Zúñiga Mendoza
Market capital, institutional management and distribution
Manages the strategies and the development of products in the areas of financial, foreign Exchange and derivative markets, as well as the strategies and the development of the Treasury offices and those of Own Treasury and the duties of back office. He is also in charge of the specialised marketing of mutual funds and pension plans aimed at bank customers and managed through a variety of channels.
Miguel Ángel Escotet Álvarez
Corporate Social Responsibility and Communication
The mission of this department is to integrate within the governance of the entity those management elements that are necessary to implement a responsible, citizen-oriented company that contributes to a sustainable development to the satisfaction of stakeholders and is able to transparently communicate both externally and internally the real possibilities of assistance and support to the needs of society in coordination with Afundación. At the same time, it centralises the relationship with mass media and social networks and well as the relations the bank establishes with a variety of institutions and organisations.
Juan María Hernández Andrés
Development of individual assets
After the successful divestment in real estate assets and portfolios of non-performing loans over the last few years, and the recent incorporation of these business areas into the operations of other General Management areas of the Bank, the main function of Singular Assets Development department is the management of investment strategies, management and enhancement of the investee companies portfolio. This department continues with the management of the current portfolio of investee companies, both those that will be maintained over time and those that are expected to be disinvested in the short/medium term, while monitoring new investment projects, working in the construction of a new industrial portfolio with growth potential, as well as supporting projects in the field of start-ups of the fintech, regtech and insurtech segments that complement the Bank's financial services. In addition, this business area advises companies in M&A transactions of middle market.
José Luis Vázquez Fernández
For the purpose of preserving the best quality of the investment portfolio and facilitate the sustainable growth of the entity with an adequate risk-adjusted return, this area has the mission of managing the design, development and implementation of strategies for the management of credit risk. This department is therefore responsible for aligning and adapting the Admission and Analysis of credit risk to the risk profile defined by the Bank. The staff of this area are in charge of promoting a good instrumentation and formalisation of the main asset products to minimise the operational risk and ensuring the consistency of collaterals, as well as ensuring effective risk monitoring of the outstanding credit that faithfully support the correct classification of the loan portfolio. They are also responsible for the management of the strategies and the development of the recoveries area, which includes the functions and recovery processes of large companies or corporations, businesses, mass recovery (both SMES and households) as well as judicial and write-offs management processes. Thus, these functions must be performed in accordance with the organisation's strategic planning and the regulations in force at both national and international levels.
Alfonso Caruana Cámara
His duties are essentially focused on the management of the design, development and implementation of the marketing strategies for non-resident customers and foreign trade, as well as the management and operation of the international commercial management (through the operational and representative offices abroad) aimed at retaining and attracting new customers, ensuring the delivery of quality services and cost-efficient management.
Luis Beraza de Diego
Business in Spain
This business area focuses mainly on the commercial management of the bank, from where the day-to-day business of the branch network for customers in Spain is supervised. The activity of the branch network is aimed at individual customers, SMEs, businesses, corporations and institutional customers. This business area also designs, develops and implements commercial strategies for products and services for all said groups of customers. In addition, other functions such as marketing, electronic and remote banking channels and customer intelligence are duties of this area, which are aimed at attracting, developing and keeping customers, by guaranteeing quality services efficiently.
Pablo Triñanes Lago
Corporate control and risks
This department is in charge of the design, development and implementation of the strategies for the identification, monitoring, control and risk mitigation, prevention of losses and business continuity of the bank, ensuring a correct implementation of management strategies in accordance with the norms and regulations, the interests of stakeholders and the complexity of the operations, products and services of the organisation.
José Eduardo Álvarez-Naveiro Sánchez
Corporate governance and legal affairs
It is part of the second line of defence of the bank and its main responsibilities are legal and tax counselling for the entity, the Secretary’s Office of the Board of Director and its Commissions ensuring the application and updating of the System of Corporate Governance of the Bank in accordance with the governance best practices as well as compliance with statutory duties, including the prevention of money laundering, the financing of terrorism and Customer service.
Pedro Veiga Fernández
Strategic Planning and PMO
This Deputy General Management combines the functions of strategic planning with the monitoring of projects of ABANCA, ensuring the coordination between them and the strategic objectives of our organisation. It defines the strategy of the Bank with sound financial forecasting and projection models, where high levels of execution are guaranteed in terms of leverage in alignment, strategic focus and execution control of the established goals. In addition, it promotes the transformation process of the Bank through the execution of the project portfolio complying with deadlines, budget and value promise.
Jorge Martínez Martínez
General Manager of Means of Payment and Consumer
With a clear customer vision and focusing on innovation, quality management and working under "Agile" methodologies, this area, designs, develops and implements strategies for the progress of the Consumer and Payment Methods business, taking advantage of the opportunities of the environment or creating new ones. Simultaneously, this department coordinates the management, planning and control of the financial company ABANCA SERVICIOS FINANCIEROS EFC, S.A., which has a leading position in the market for consumer financing in Spain. The members of this area assume, therefore, the responsibility to comply with legal regulations and compliance with the business plan with a clear impetus of digital transformation. For this purpose, they design products, services, commercial actions and campaigns necessary to meet our customers’ needs and place ourselves among the best market practices. Their work represents the Bank in different organisations: Visa, MasterCard, processors, or licensees; and they establish with them all synergies that benefit the entities and customers.
Julián Serrapio Vigo
Its mission consists in providing support to corporate governance as regards the efficiency and efficacy of the internal control system by participating in the implementation of an optimal risk control environment, risk management and compliance with the legal norms and regulations in place for the management of the institution in order to ensure and provide safety and soundness in the achievement of the objectives, strategies and the functional and operational management.