Professional profile


Executives counselors

  • Mr. Manuel Yebra Sola

    He has been named CEO of the Cooperative Credit Bank on January 28, 2014. The career of Manuel Yebra Sola (Almeria, 1966) has always been linked to Cajamar Caja Rural.

    In 1982 he began his career in the branch network of Caja Rural Provincial of Almeria at that time, holding successively positions of administrative, commercial, auditor and branch director. Later, he joined the Central Services of the entity, where he assumed different responsibilities in the areas or Organization, Management, Risks, Products and Services. In 2002 he was appointed deputy director of Business, in 2006 Strategic Director and in 2007 General Manager of Cajamar Caja Rural. In 2012 he was elected vice president of the Governing Council and designated CEO, responsibility that he has been held until joining the Cooperative Credit Bank.

  • Mr. Bernabé Sánchez-Minguet Martínez

    Bernabé Sánchez-Minguet Martínez (Valencia, 1961), executive director of Banco de Crédito Social Cooperativo, appointed for the first time on 16 June 2015.

    With a degree in Law, specialising in Corporate Law, from the University of Valencia, he studied English and German at Trinity College London and the Goethe Institut, and also gained an English language diploma from Valencia's Official School of Languages. He also studied specialist courses on banking management, the management of cooperatives, insurance, and personal and management skills development.

    With extensive experience in Spain's cooperative banking sector, he has spent his entire professional career with CajaCampo, Cajamar Caja Rural and Banco de Crédito Social Cooperativo.

    In 1983, he joined CajaCampo, working first as a customer service agent and branch manager over the following years, and then moving into central services, heading up Internal Audits, Investment Management, and the General Technical Secretariat. In 1990, he was appointed deputy managing director, and in 1994 managing director of CajaCampo, a position he held for 17 years, until the bank merged with Cajamar in 2011.

    Since 2011, at Cajamar Caja Rural and Banco de Crédito Cooperativo, he has held the positions of corporate managing director and managing director of Investments, focusing particularly on issues relating to Grupo Cooperativo Cajamar.


Dominical counselors

  • Mr. Luis Rodríguez González

    With an extensive career in the financial and insurance sector, Luis Rodriguez Gonzalez (Barcelona, 1955) is appointed president of the Corporative Credit Bank on January 28, 2014. Until that moment and during the last years, he had been Finance Manager of Cajamar Caja Rural.

    Degree in Economics and Business and Insurance Actuary from the Complutense University of Madrid, and MBA by the School of Industrial Organisation of Madrid, in 1973 he began his career in the Insurance Management of Banco de Bilbao, working as Actuary, and later he was appointed Marketing Director of the Bank-Insurance Company of the Group. In 1984 he joined Santander Group, where he developed several positions in the following six years: Insurance director of the Group, general manager of Cenit (Santander Insurance), general manager of Noble-Lowndes (pension consultancy), advisor of several companies (funds manager, mortgage, leasing) and Development manager of Bank-Insurance and Investment Funds in Latin America (Chile, Argentina and Mexico). Between 1991 and 1993 he was general manager of the International Division of La Union and Fenix Español, between 1994 and 1997 he was executive president of Amaya Insurance, and between 1997 and 2006 he was general manager of the RGA companies (Life, miscellaneous, pensions and brokerage) and advisor of the Agrupacion de Seguros Agrarios Combinados (Agroseguro). In 2007 he joined Cajamar Caja Rural as manager of the Insurance Division and Asset Management, being shortly after appointed Finance Manager of the entity, responsibility that he has been held until his appointment as President of the Cooperative Credit Bank.

    He has also taught as an associate lecturer on the subject "Mathematics of Financial Operations" at the Faculty of Economics and Business Studies of Madrid's Complutense University and San Pablo CEU University.

  • Mr. Joan Mir Piqueras

    Expert in economics and marketing, Joan 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, Counselor of the Company "Agricultura y Conservas S.A." and patron of "Fundación Francisco Balbatre Arnau".

    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.

  • Mr. José Antonio García Pérez

    Jose Antonio Garcia Perez (Altea [Alicante], 1955) has been appointed to the governing board of the Cooperative Credit Bank on January 28, 2014. His career in the financial system has always been linked to Caixaltea, integrated entity in the Cooperative Group Cajamar, where he has been general manager until 2013.

    Since his incorporation in 1971, he was responsible of the departments of Foreign and Accounting and Information Systems, in 1980 he was appointed deputy general manager and in 1985 general manager, position that he held for twenty-eight years.

  • Mr. Juan Carlos Rico Mateo

    With a career always linked to the food and agriculture business, Juan Carlos Rico Mateo (Iscar [Valladolid], 1961) is from 2003 president of the cooperative society ACOR, which is dedicated among other activities to the production and marketing of sugar. Until his appointment on January 28, 2014 as member of the governing board of the Cooperative Credit Bank, he has also been member of the governing council of Cajamar Caja Rural, advisor of the governing council Cajamar Caja Rural and previously member of the governing council of Caja Rural del Duero.

    Agricultural Engineer from the Technical University of Madrid (UPM), he is president of the Refinería de Olmedo S.A., advisor of Acor y Tereos Iberia, S.A., secretary and administrator of the company La Arroyada, administrator of Rico Mateo, member of the Spanish Psychopathological Society of the International Institute Research of Sugar Beet, and member of the Advisory Council of the Companies Unit of Mapfre and of the Agricultural Advisory Council of such company. He has been previously president of the governing board of Koipesol Semillas, S.A., member of the Plenary Committee of the Chamber of Trade and Industry of Valladolid and member of the Infrastructure Committee of the aforementioned institution.

  • Mr. Carlos Pedro de la Higuera Pérez

    Carlos Pedro de la Higuera Pérez (Madrid, 1953), a director representing controlling shareholders in Banco de Crédito Social Cooperativo on behalf of Cajamar Caja Rural, was appointed for the first time on 10 May 2016. Previously, he was an auditor of Cajamar between 2006 and 2012, and a member of the Steering Committee from 2012 to 2016. Having gained a degree in Law and a primary school teaching qualification, he taught at the Gredos Cultural Centre (1974-1985), and was also the chairman and founding partner of Gredos San Diego (1985-2002). He is currently combining his teaching work with managing the largest teaching cooperative in Spain, of which he has been the managing director since 2002. Member of the Expert Committee for Social Cohesion to examine the Sustainable Economy bill published by the Ministry of Health (2009), president of the CEPES Dependencies Committee (since 2008), president of the Federation of Madrid Cooperatives of Associated Labour (since 2008), director of the CEPES Spanish Social Economy Business Confederation (since 2008), director/member of the Higher Council of Cooperativism in the Region of Madrid (since 2000).


Independent Counselors

  • 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.

  • Mr. Francisco de Oña Navarro

    Francisco de Oña Navarro is president of the governing board of AIAF Bond Market, Executive Vice-President of the Governing Board of MEFF Sociedad Rectora de Productos Financieros Derivados, member of the Coordination Comittee of Bolsas y Mercados, member of the Governing Board of Iberclear and of Bolsas y Mercados Market Data. On January 28 he has been appointed member of the governing board of the Cooperative Credit Bank.

    Economist by training, he has developed his career in the field of economic and financial analysis, consultancy on corporate finances, portfolio management and organization and markets structures. He was previously member of the Governing Board of MEXDER, Mercado Mexicano de Derivados and member of the Camara de Riesgo Central de Contraparte de Colombia, and from 1986 to 1995 he was working in the Santander Bank as Manager of Capital Markets, Deputy Manager of Treasury and Capital Markets and Executive Director in the area of Financial Markets. He also was deputy director of the Department of Financial Studies of Gestión Estudios e Inversiones of the Savings Banks, Gesinca (today Ahorro Corporació) and he collaborated with the Economic Studies Service of the CECA.

  • Mrs. María Teresa Vázquez Calo

    With a degree in Law from the Oberta University in Catalonia, a degree in Business Management from CUNEF and, among other postgraduate studies, a Master's in International Business Law from Cumbria University (UK), she has extensive experience advising boards of directors and executive teams on the implementation of complex processes from a legal, technological, and human perspective.

    Since 2004 she has been a partner, director, and head of the mercantile and fiscal department of A·S Law International Business, S.L.P.; specialising in venture capital operations; director of legal risk assessment in the purchase of portfolios for loans made by financial entities for investment funds and financial investors; director of the Legal Department at Grupo Suan Farma, and secretary and legal adviser to Suan Farma Biotech SGEIC, S.A., Grupo Suanfarma, S.L., and Suanfarma S.A.U. She also teaches on the Master's Degree in Health Biotechnology at Cesiff.

    Previously, between 1996 and 1999, she was the head of Accounting at Banco Exterior de España, and assistant to the finance director and head of Accounting and Administration at Avco Servicios Financieros (CitiFinancials), among other positions. Between 1999 and 2000, she worked as a financial analyst at Oracle (France) and as the head of the project analysis team for the finance sector at TRC Consultores, S.L. From 2000 to 2003, she was a senior manager at Accenture, and in 2003 and 2004 she headed up the Fiscal Department at Garrigues Abogados y Asesores Tributarios, going on to perform this same role later on that year at Krino Consultores, S.L

  • Mrs. Amparo Ribera Mataix

    Amparo Ribera Mataix (Valencia, 1950), independent director of Banco de Crédito Social Cooperativo, appointed for the first time on 16 June 2015.

    With a degree in Economics, a qualification in Chartered Accountancy, a diploma in Psychology, an Insurance brokerage qualification, and Postgraduate studies from the IESE Business School, she has over thirty years' experience in the finance sector and as a director of different companies in the insurance and communications sectors. She is currently an independent adviser for strategic, risk, and business projects. In recent years, she has collaborated with CNP Assurances, Grupo ASSISTA, Grupo Divina Pastora, KPMG, EVERIS, ADVISIA and SERMESA.

    Over the course of her professional career, she has led the creation and development of bancassurance projects, firstly at BBVA, and then at Grupo Bancaja and Grupo Aviva. She has been the director of Operational Security at Banco de Bilbao, deputy managing director of Euroseguros, managing director of ASEVAL, managing director of Grupo de Seguros de Bancaja and a director of CAJASALUD, as well as a corporate director of Grupo Aviva. She has also sat on the Boards of Directors of AVIVA CORPORACIÓN, ASEVAL, COSEVAL, SEGURVAL, UNICORP VIDA, GALICIA VIDA, CAJA ESPAÑA VIDA, CAJA GRANADA VIDA and CAJAMURCIA VIDA, and has been president of the UNESPA Bancassurance Group and a member of the UNESPA Pensions and Life Insurance Group.

    She has taught Executive Management on the Master's Degree offered by the Valencia Foundation of Finance and Stock Market Studies, as well as on numerous courses and seminars related with her professional activity. She is a member of the ETNOR Foundation for Business Ethics.

  • Mr. Hilario Hernández Marqués

    Hilario Hernández Marqués (Teruel, 1950), independent director of Banco de Crédito Social Cooperativo, was appointed for the first time on 10 May 2016. He holds a Degree in Law from Deusto University as well as a degree in Economics, specialising in Business Organisation and Management. Since 2008, he has been a partner with the law firm Abley Abogados. Previously, he was a member and secretary of the Governing Body of the La Mutualidad General de la Abogacía (1995-2011); member and secretary of the Governing Body of the Madrid Bar Association (1994-2008); secretary general and member of the Board of Directors of La Unión and El Fénix Español (1988-1994); secretary general of RTVE (1986-1988); government lawyer with the Litigation Unit of the State Department of Litigation, and head of the Advisory Board to the Treasury and Finance Policy Department (1984-1986); technical secretary general with the Department of Culture (1982-1984); government lawyer for the Research Unit of the State Department of Litigation (1981-1982); government lawyer for the Finance Department for Soria and Burgos, and head of the legal advisory body to the Council of Castilla y León (1979-1980); lawyer for the Department of Justice, heading up the Under-Secretary's Office within the Department of Justice(1979-1980), and legal advisor to the International Centre of Environmental Science Education (1977-1979). Furthermore, among other activities, he has taught Administrative Law at UNED (1980-1982) and sat on the General Coding Committee (1979).

  • Mr. Antonio Cantón Gongora

    Antonio Cantón Gongora (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 MAINTENANCE DEVELOPMENT S.A. (MDTEL) and the chairman of Servicios Hoteleros La Catedral S.L.