Degree in Management and Business Administration, Universidade Católica Portuguesa; MBA, INSEAD; AMP, Harvard. Formerly: Head, Capital Markets, Citibank Portugal; Assistant Professor, Universidade Católica Portuguesa; with Goldman Sachs, New York and London. 1993, joined Grupo Santander as Chief Executive, Banco Santander de Negócios Portugal; then CEO, Santander Brazil; 2000-06, CEO and until 2011, Chairman, Santander Totta; then Chief Executive, Santander UK; Executive Vice-President, Grupo Santander. Jan. 2011, joined the Board, Lloyds Banking Group as Executive Director; March 2011, Group Chief Executive. Former Non-Executive Director, Court of the Bank of England. Non-Executive, Fundação Champalimaud, Portugal; Exor. Member, CBI President's Committee. Governor, London Business School. Chairman, Wallace Collection. Recipient of awards and honours. Interests: tennis and scuba diving.