Board Members

Chairman:
Mr. Bernabé Sánchez-Minguet Martínez

Bernabé Sánchez-Minguet Martínez (Valencia, 1961), chairman of Banco de Crédito Social Cooperativo since June 12, 2025. He holds a degree in Law, with a specialisation in Business Law, from the University of Valencia. He studied English and German at Trinity College London and the Goethe-Institut. He has also completed specialised training courses in banking management, cooperative management, insurance, and personal and managerial skills development.

With an extensive career devoted entirely to the Spanish cooperative banking sector, he has spent his entire professional life at CajaCampo, Cajamar Caja Rural and Banco de Crédito Social Cooperativo. He joined CajaCampo in 1983, holding successive roles as controller and branch manager and later, within the central services, taking responsibility for Internal Audit, Investment Management and the General Secretariat. In 1990 he was appointed deputy general manager and in 1994 general manager of CajaCampo, a position he held for 17 years until its merger with Cajamar in 2011.

Since 2011, he served as Corporate and Investment General Manager at Cajamar Caja Rural and Banco de Crédito Cooperativo, also overseeing and coordinating matters relating to Grupo Cooperativo Cajamar and its member institutions based in the Valencian Community.

In June 2015, when he was appointed executive counselor of Banco de Crédito Social Cooperativo, he added to his coordination duties within the Group those of the director responsible for Resolution and Sustainability matters, chairing the relevant committees, while also representing the Group in national and international bodies, associations and forums related to cooperative banking.

CEO:
Mr. Manuel Yebra Sola

Manuel Yebra Sola (Almería, 1966), CEO of Banco de Crédito Social Cooperativo, appointed Executive Director for the first time on 28 January 2014.

The professional career of Manuel Yebra Sola (Almería, 1966) has always been linked to Cajamar Caja Rural. In 1982, he started out working in the branch network of the then Caja Rural Provincial de Almería, successively holding the positions of administrative assistant, customer adviser and auditor. Later, he joined Central Services, where he took on different positions of responsibility in the areas of Organisation, Administration, Risks, Products and Services. In 2002, he was appointed Deputy Director of Business, in 2006 Strategic Director and in 2007 Managing Director of Cajamar Caja Rural. In 2012, he was elected First Vice-President of the Governing Board and appointed CEO, a responsibility he held until he joined Banco de Crédito Social Cooperativo.

Vice-president:
Mrs. Marta de Castro Aparicio

She has been recognised as expert in banking legislation and financial markets; Marta de Castro Aparicio (Madrid, 1967) is appointed vice-president of the Cooperative Credit Bank on January 28, 2014.

Degree in Law from the Autonomous University in Madrid and belonging to the Higher Corps of Civil Administrators of the State, between 2009 and 2013, she was general secretary of UNACC (National Union of Credit Cooperatives), organization of the Spanish credit cooperatives. Previously and from 1995, she held different positions in the Sub-Directorate-General of Legislation and Financial Policy and in 2003 she was appointed general sub director de Sub-Directorate-General of Legislation and Financial Policy of the then Directorate General of the Treasury and Financial Policy of the Ministry of Economy and Finance, position that she held until 2009. During those years, she was responsible of the negotiation and processing of more than 60 relevant financial regulation, among which we may emphasize the transposing of the European Markets in Financial Instruments Directive (Mifid), the mortgage market law, the Royal Decree on the Financial Asset Acquisition Fund, the legal regime of the risk capital, of institutions of collective investments and free investment, the regulation of the Fund for the Orderly Restructuring of the Banking Sector (Frob), the regulation on transparency of listed companies and corporate governance rules and the Law on takeover bids for securities (OPAs, Public Offer to purchase Shares). During that period she also represented Spain in different technical committees of the European Union in the matter of Credit entities, financial markets and institutions of collective investment. Between 2002 and 2003 she was general secretary of the General Intervention of the Autonomous Community of MadriMr.

Adviser:
Mr. Joan Bautista Mir Piqueras

Expert in economics and marketing, Joan Bautista Mir Piqueras (Mislata [Valencia], 1958) is a dominical director of "Banco de Crédito Social Cooperativo, SA" on behalf of "Cajamar Caja Rural", being named for the first time on January 28, 2014.

PhD in Economics and Business Administration from the University of Valencia and Graduated with Honours on Market Research from AEDEMO, among other degrees, he has been Professor of International Marketing at the Faculty of Economics of the University of Valencia.

He is currently General Manager of the fruit and vegetable cooperative Anecoop and Counselor of the Company "Agricultura y Conservas S.A.".

He was appointed General Manager of ANECOOP in 2010, having held until then and since 1997 the position of Deputy General Manager of Marketing and Strategy. Previously he has been General Manager of the Valencian Exportation Institute (IVEX) of the Valencia Regional Government and he has held the positions of president, CEO and General Manager of companies of the IBER Group. He has also collaborated in the development of the Strategic Plan of Spanish Food and Agriculture Cooperativism and he is author of several publications and articles.

Adviser:
Mr. Antonio Cantón Góngora

Antonio Cantón Góngora (Almería, 1957), independent director of Banco de Crédito Social Cooperativo, was appointed for the first time on 15 November 2016.

Having gained a degree in Advanced Telecommunications Engineering and a Masters' Degree in Economics and Business Management (IESE), his professional career has taken him to companies such as TELEFONICA, TELECOM ITALIA, RETEVISION, AMENA, JAZZTEL, XFERA MOVILES (YOIGO) and TELVENT. He has also been a director of a dozen technology, communications, and information companies.

From 1979 to 1997, during his time at Compañía Telefónica Nacional de España, among other responsibilities, he was director of the Department of Holdings Management and Control, deputy director general for the Commercial area, and chairman/CEO of TELYCO, in addition to a director of several of the company's holdings.

From 1997 to 1999, he was chairman and CEO of TELECOM ITALIA de ESPAÑA (RETEVISIÓN and AMENA). In 1999 he promoted the creation of JAZZTEL, of which he was a founder, shareholder, and CEO for two years.

From 2000 to 2006 he was the CEO of XFERA Móviles (YOIGO), a company to which he was later an advisor and director until 2016. Furthermore, between 2006 and 2010, he was a director of SCHIBSTED SPAIN (20 MINUTOS), and from 2007 to 2010 he was a member of the advisory board at TELVENT.

He is currently the chairman of Medbuying Technologies Group, SL.

Adviser:
D. Rafael García Cruz

Rafael García Cruz (Almería, 1966), Proprietary Director and Executive Director of Banco de Crédito Social Cooperativo, appointed for the first time on 7 May 2019.

He gained a Higher Engineering Degree in Telecommunications Engineering from the Telecommunications Engineering Technical College at the Polytechnic University of Madrid.

He embarked on his professional career in the R&D Department of Empresa Nacional de Armamento Santa Barbara, attached to the National Institute of Industry, between 1988 and 1990, before completing his Final Degree Project at the Telecommunications Engineering Technical College in 1991 and 1992.

In 1993, he joined Caja Rural de Almería as a Communications Officer. In 1995 he was appointed Coordinator of the Technical Office, in 1997 Information Systems Coordinator and in 1998 Executive Director of the Media Unit. Coinciding with the merger between Caja Rural de Almeria and Caja Rural de Malaga, now within Cajamar, in 2000 he was appointed Director of the Direct Business And New Technologies Unit, in 2001 Director of Information Systems, in 2003 Deputy Director of the Media Division, in 2005 Director of the Media Division, and in 2007 Managing Director of Media.

Coinciding with the constitution of Banco de Crédito Social Cooperativo, in 2014 he was appointed Managing Director of Media, and in 2015 Corporate Managing Director, a role he retained until he joined the Board of Directors as Proprietary Director and Executive Director, in 2019.

Adviser:
Mr. Antonio José Carranceja López de Ochoa

Antonio José Carranceja López de Ochoa (Madrid, 1962), Independent Director of Banco de Crédito Social Cooperativo, appointed for the first time on 7 May 2019.

He holds a PhD in Economics and Business Administration from the Autonomous University of Madrid (1989) and a Bachelor's degree in Economics and Business Administration from UAM (1980), where he has taught for more than 30 years; from 1987 to 1991 as an associate professor of Financial Mathematics, and from 1991 onwards as professor of Accounting and Finance in the Department of Finance and Commercial Research. He was an associate professor at IE University from 2017 to 2020.

He began working in the private sector in 1986 at Arthur Andersen Consulting, and a year later joined the Spanish broker C.M. Capital Markets Brokerage S.A. Then for 25 years, he worked at Société Générale (1992-2017), an entity where he held different posts in the area of Markets in Spain, including: Director of Trading and Distribution of Fixed Income (1996-2000), Director of Distribution of Fixed Income for Spain and Portugal (2001-2009), Director of Markets for Spain and Portugal and Member of the Steering Committee in Spain (2009-2017). He was also a Proprietary Director and member of the Board of Directors of Altura Markets S.V., S.A. (2014-2017), and from 2018 to 2020 he was an Independent Director of EBN Securities, SV.

Adviser:
Mrs. Ana Núñez Álvarez

Ana Núñez Álvarez (Madrid, 1967), independent director of Banco de Crédito Social Cooperativo, first appointed on 9 June 2020 (resolution approved by the General Meeting of Shareholders, pending entry in the Bank of Spain Register of Senior Officers to take effect).

A law graduate from San Pablo-CEU University in Madrid, Ana has a certificate from IESE-Universidad de Navarra having completed a bespoke Asset Management, Capital Markets and Finance programme designed for AB Asesores. After over 20 years in the financial markets with firms including Carnegie International, AB Asesores, Morgan Stanley and Merrill Lynch Bank of America, she decided to take a different career path and joined the Madrid Down Syndrome Foundation in 2011. Her experience in the third sector encouraged her to set up the Inuit Foundation in 2016 to contribute to social change through innovation via social impact investing.

She began her career in London in 1989 as an equities analyst-broker at Carnegie International. In 1991, she returned to Madrid and joined AB Asesores' equities team. After eight years with that company, she had reached the position of head of the equity sales desk for Spanish financial institutions and the primary market product origination desk. After AB Asesores was acquired by Morgan Stanley in 1998, she joined the bank in London in the capital markets department as director of equities products for insurance companies and pension funds in Spain. In 1999 she moved to Merrill Lynch's capital markets department as director of the fixed income desk until 2008. Her final role at Merrill Lynch Bank of America was as a capital markets specialist in the wealth management department (2008-2011).

Between 2011 and 2015, she occupied the post of director of institutional relations and project management at the Madrid Down Syndrome Foundation. As a member of the foundation's management committee, she played a part in implementing a programme to professionalise the institution to ensure its long-term sustainability.

In March 2016, as a founding partner, she created Inuit Fundación, a non-profit organisation, of which she is currently a trustee. This foundation's goal is to create social impact by bringing a new approach to managing the donations of individuals and companies through two primary vehicles: the philanthropic social impact fund through which innovative and scalable projects with a significant social impact are selected; and the Social Impact Bonds - a new vehicle for financing social causes through public-private partnerships.

Board member:
Mr. Luis Francisco Fernández-Revuelta Pérez

Luis Francisco Fernández-Revuelta Pérez (Almería, 1966). Independent Director of Banco de Crédito Social Cooperativo, appointed for the first time on 9 June 2020.

Professor of Financial Economics and Accounting at the University of Almeria, heading up the department of Financial Economics and Accounting. He has taught in subjects related to management control and cost accounting on different undergraduate and postgraduate programmes at national and international level. He has also delivered in-company training at IBEX-35 companies and has taught internationally (Brown University in the USA), including at multinationals such as Aramco in Saudi Arabia and the National Bank of Kuwait.

He has experience in programme and project management, having led Research Groups and Projects such as the Marie Curie Actions “International Research Exchange on Cooperatives” funded by the European Commission, and he has also been elected the Spanish representative of the European Accounting Association.

With a PhD in Economics and Business Studies, specialising in Financial Economics and Accounting, from the University of Seville, he has taught at the Universities of Seville and Granada (1989-1994), the University of Almeria (since 1995) and IE University (since 2020). He has held the posts of Assistant Dean at the Faculty of Economics and Business Studies (1993-1995 and 1997-2000), has been a member of the Strategic Plan Office at the University of Almeria (2004-2007) and Vice-Chancellor of Planning, Quality and Relations with Society (2007-2011).

He has participated in different business entrepreneurship projects with the creation of four technology spin-offs. He has also worked as a consultant in the area of Strategic Planning and Management Control Systems, having worked for different public and private bodies, as well as on the ADB (Asian Development Bank) project: “Preparing Outer Islands for Sustainable Energy Development” as an expert-consultant in economic and financial aspects (2014-2015).

Board member:
Mrs. María López Fernández

María López Fernández (Almería, 1967), director representing major shareholders of Banco de Crédito Social Cooperativo, appointed for the first time on 29 June 2021.

With a Degree in Economics and Business Studies from the University of Almeria, in 1989 she embarked on a professional career with Caja Rural de Almería as an administrator with the branch network. Five years later, in 1994, she joined the bank’s Central Services as an investment supervisor, and over the next ten years she was a member of various teams within Business Banking, Business Coordination, and Risk.

She has developed her professional career through various positions in the cooperative banking sector, first at Cajamar Caja Rural and then at Banco de Crédito Social Cooperativo.

An expert in risk management and sustainable finance, in 2006 she was appointed director of Risk Admission at Cajamar, in 2011 director of the Investments Division, in 2015 Cajamar’s Regional Director for West Andalusia, and in 2020 deputy managing director of Sustainable Finance and Social Economy at Banco de Crédito Social Cooperativo, a position she held until she joined the bank’s Board of Directors.

Board member:
Antonio de Parellada Durán

After an extensive career in the financial sector, Antonio de Parellada Durán (Madrid, 1961) is a proprietary director of the Banco de Crédito Social Cooperativo, nominated by Cajamar Caja Rural, appointed for the first time on 28 April 2022.

Having graduated with a degree in Law from the Autonomous University of Barcelona and an M.B.A. from I.E.S.E., University of Navarra–Barcelona, with extensive experience in the finance sector and the business world, he has held the following responsibilities:

As a financial executive and subsequently a director at Banco de Crédito Social Cooperativo, he has been the Managing Director of Finance (2017-2022), Managing Director of Finance and Real Estate Investments (2014-2017) and Director of Grupo CIDM (Intermoney) (2014-2025) and member of its Audit and Remuneration Committees. Previously, at Cajamar Caja Rural, he was Managing Director of Real Estate Investments (2011-2014) and Regional Manager for Catalonia and the Balearic Islands (2011); and Managing Director of Caixa Rural de Balears (1999-2011).

In his professional activity prior to joining Grupo Cajamar, in the worlds of business and finance, he was CFO of Grupo Picking Pack (1998-1999), CFO and Director of Cargill Iberia (1993-1998), head of Citibank's Institutional Investors department in Madrid (1990-1993), Senior Account Manager at Citibank Corporate Banking in Barcelona (1987-1990), Junior Account Manager at Banco Santander Corporate Banking in Barcelona (1986-1987) and Administrative Director of Patronat Català Pro Europa (1985-1986). In addition, he has been a Director of Grupo CIDM (Intermoney) (2014-2025).

He has also taught as associate professor with the Department of Economics at the Polytechnical University of Barcelona, a professor of International Finance on the Master’s Degree delivered by La Salle, and as a professor of Finance on the Master’s Degree taught by the University of Girona. Since 2024, he has been an assistant professor of Management Control at Spain’s Business Institute (IE).

Advisor:
Rosa María Vidal Monferrer

Rosa María Vidal Monferrer (Castellón de la Plana, 1970), proprietary director of Banco de Crédito Social Cooperativo, appointed for the first time on 30 May 2023.

State Attorney with a Master’s degree in Business Management and extensive experience in strategic advice in Business Legal Management, Governance and Sustainability, with a special focus on companies dedicated to regulated sectors, such as construction, infrastructure, the environment, energy and defence. Since 2016, she has been the managing director of Broseta Abogados.

In her professional career, she has worked as Chief Prosecutor in Soria (1998), Public Prosecutor in Castellon (1999-2005) and Assistant Chief Prosecutor of the Regional Legal Service for Valencia’s Tax Agency - AEAT (2005-2006). She has also been Alternate Secretary of the Regional Economic Administrative Court of Valencia (2001-2005); Secretary of the Board of Directors of the Port Authority of Castellón (2004-2006); Member of the Monitoring Group in Valencia of the Observatory for Fiscal Crimes and Money Laundering (2005-2006); Member of the Court of Arbitration for Public Procurement (TACOP), constituted within the framework of the European Arbitration Association (since 2011); Arbitrator of the Court of Arbitration of the Valencia Bar Association (since 2011); President of the Board of Directors and Director General of Radio Televisión Valenciana (2013); Arbitrator of the Court of Arbitration for the Madrid Chamber of Commerce (since 2015), and Arbitrator of the Civil and Commercial Court of Arbitration (since 2020).

In 2006, she joined Broseta Abogados as Partner-Director of the Public Sector Department. She is currently a Partner-Director of the firm (since 2016), member of the Board of Directors of Broseta and non-executive director of the investment firm GOYGEN.

She is also a Non-Director Secretary of the Board of TESS DEFENCE, S.A. and Non-Director Secretary of the Board of Sistema de Missiles España S.L.

She has trained candidates taking the official state exams to enter the AEAT Tax Agency, the Technical Department of Valencia’s Regional Government, and for the Judicial and Fiscal career path; as an associate professor for the Castellon Bar Association, University of Valencia, Spain. the Catholic University of Valencia, the Pontifical University of Comillas (ICADE), the CEU San Pablo University, and the Higher Institute of Law and Economics (ISDE), where she currently directs the Master’s in Urban Planning, the Environment, Real Estate and Smart Cities.

Advisor:
Francisco Javier Astiz Fernandez

Francisco Javier Astiz Fernández (Badajoz, 1964), Independent Director of Banco de Crédito Social Cooperativo, appointed for the first time on 30 May 2023.

He holds a Degree in Economics and Business Administration from the Complutense University of Madrid (1982-1987) and has studied Business Administration at the Institute of Business (2003) and Management Development at ESADE (2006). He has also completed the ESADE Director Training Programme (2021), the ESADE Leadership and Social Innovation Programme (LIS) (2022) and the ESG - LLYC Executive Programme (2024).

In January 1989, he joined the Financial Audit and Regulation Division of PriceWaterhouseCoopers (PwC) in Spain, where he worked as an auditor and advisor for thirty-two years until June 2021. During these years, he was promoted in different categories until in 2006 he was appointed equity partner of PwC Spain, and has been a shareholder partner of the firm since then. He was also responsible for setting up and managing the Information Systems Audit Department at PwC Spain (2004-2007).

He has extensive professional experience in the financial sector, acquired through his role as partner heading up the auditing of the annual accounts of institutions supervised by the ECB - Bank of Spain and the CNMV: specifically, listed banks, former savings banks, credit unions, securities companies and agencies, UCITs, consumer credit and foreign banks, as well as due diligence, valuations, mergers and restructuring processes. His experience also covers aspects of accounting and financial regulation applicable to these organisations, as well as governance and internal control of business processes and information systems.

He is a Member of the Spanish Institute of Chartered Accountants (Chartered Accountant since 1993) and the Register of Accounting Experts belonging to said Institute (since 2015). He has also been a member of the Official Register of Auditors of Spain (1993-2021) and of the Innovation and Technology Commission (CIT) of the ICJCE (2008-2021).

He is currently an independent business advisor, collaborating in third sector organisations, mainly foundations, which he has advised on governance, risk maps, scorecards and social impact measurement.

Furthermore, he has taught on the Master's Degree in Advanced Accounting and Accounts Auditing taught at the Catholic University of Ávila, coordinated with the Spanish Institute of Chartered Accountants. He has also developed internal responsibilities with training at PwC Spain in the areas of Audits and Accounting.