Corporate Center

- Chief Financial Officer

The CFO is responsible for coordinating administration activities and the entire planning and control process, including regarding optimising operating costs for the Bank.

- Chief Risk Officer

The CRO is responsible for guaranteeing the strategic direction and definition of the Bank’s risk management policies, minimising the cost of risks in accordance with the risk/profitability targets of each business areas and in line with the Bank's strategies, strategic plan and budget, as well as for risk measurement and secondlevel controls.

- Chief Human Resources & Organization Officer

The Chief HR & Organization Officer is responsible for the recruitment, management, remuneration and development of staff. Aside from this, it is responsible for managing the organisational activities of supervision, transversal coordination and oversight of the expenditure process. The Chief HR & Organization Officer is assigned the role of Employer for the Bank, and is responsible for health and safety, as well as facility management.

- General Counsel

The General Counsel and its structure are responsible for legal and corporate support and for managing the corporate secretariat, as well as general affairs and relations with authorities.

- Chief Lending Officer

The CLO is responsible for managing and coordinating Credit Underwriting activities (credit analysis, resolution and preparation of the relevant documentation for practices to be submitted to the competent decision-making Bodies) relating to the portfolios and operations of the Bank’s Business Divisions. The CLO areas also include the disbursement, classification, valuation and write-off of loans in accordance with the applicable processes and loan mandates granted.

- Chief Compliance & AFC Officer

The Chief Compliance & AFC Officer is responsible for managing the risk of non-compliance with regulations, monitoring the risk of money laundering and terrorist financing, as well as monitoring the risk of violating financial sanctions.

- Chief Communication & Marketing Officer

The Chief Communication & Marketing Officer is responsible for promoting and supporting the development of a single identity of the Group among the various stakeholders. It continues on to formulating the Bank’s communications plan, brand development strategy and marketing activities. They are approached in coordination with the Business Divisions, aimed at maximising acquisition and ensuring optimal customer management.

- Internal Audit Department

The Internal Audit Department is responsible for carrying out “third level” controls on the day-to-day functioning of the Bank’s operations. Responsibilities lie in assessing the completeness, adequacy, functionality and reliability of the internal control systems. Additionally, it lies within its remit to bring any possible improvements to the attention of the corporate bodies, particularly concerning the risk management process and the tools used to measure and monitor risks.