João Paulo Pereira Marques de Almeida

Banif SGPS SA is the holding company, which operates in the banking, insurance, leasing, consumer credit, factoring, renting, investment banking, asset management, international and off-shore banking business. It offers services in both the domestic and international markets. The company offers services in the real estate, commercial and investment banking, insurance and specialized credit in the domestic market. It also offers investment and commercial banking services. The company was founded on January 15, 1988 and is headquartered in Funchal, 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.

Part of Banco Santander SA, Banif Finance Ltd. is a Caymanian finance company. The company is based in George Town, Cayman Islands.

Part of Banco Santander SA, Banif Banco de Investimento (Brasil) SA is a Brazilian company that provides investment banking and advisory services. The company is based in São Paulo, Brazil. The company was founded by Nuno Maria P. de M. Fernandes Thomaz.

Banif-Banco Internacional do Funchal (Brasil) SA provides commercial bank services. Its services include loans, financing, investment, private banking, and foreign exchange transactions services. The company was founded in 1998 and is headquartered in São Paulo, Brazil.