Elsa Cristina Costa Pires Santana Ramalho

Banco Espírito Santo SA engages in the provision of financing and banking services. The company was founded by Jose Maria do Espirito Santo e Silva in 1869 and is headquartered in Lisbon, Portugal.

Banif - Banco Internacional do Funchal SA engages in the provision of banking services. It operates through the following business segments: Commercial Banking, Investment Banking, Asset Management and Others. The Commercial Banking segment comprises the holding of funds and deposits and specific credit products for individual, corporate and institutional customers. These products include housing loans, consumer credit, products for sole traders (ENI) and small businesses, factoring, short term credit facilities and import and export credits. The Investment Banking segment comprises business activities in the primary and secondary capital markets, in the Group's own name or on behalf of third parties, and includes transactions, corporate finance, and mergers and acquisitions. The Asset Management segment comprises the investment product offer and related management services for individual and corporate customers, as well as other financial services. This segment includes investment funds managed by Group entities in which the Group holds the majority of the investment units. The Others segment includes banking operations that are not classified within the other segments. The company was founded by Horacio da Silva Roque on January 15, 1988 and is headquartered in Funchal, Portugal.