Executive Board of Directors

Members of the Executive Board of Directors for the four year mandate 2017-2020:

Chief Executive Officer: António Manuel Palma Ramalho
Member: Vítor Manuel Lopes Fernandes
Member: Jorge Telmo Maria Freire Cardoso
Member: Luísa Marta Santos Soares da Silva Amaro de Matos
Member: Rui Miguel Dias Ribeiro Fontes
Member: José Eduardo Fragoso Tavares de Bettencourt
Member: Luis Miguel Alves Ribeiro
Member: Mark Bourke


António Ramalho - CEO

Graduated in law from Universidade Católica Portuguesa, António Manuel Palma Ramalho has vast experience in the financial sector. António Ramalho entered the financial system in 1985 through the Portuguese Banking Association, where he was in charge of training in financial markets at the Instituto de Formação Bancária. In 1990 he joined Banco Pinto Sotto Mayor, where he worked in the financial division, and became a director of this bank in 1993. He remained in the Board after the Bank was purchased by the Champalimaud Group and integrated the Boards of the other banks of this Group, Banco Totta e Açores, Crédito Predial Português and Banco Chemical Finance, always in charge of the strategic and financial areas. After working on the split that preceded the Group's sale in 2000, he joined the Executive Committee and Board of Directors of Grupo Santander Totta in Portugal, in charge of the commercial area and the real estate portfolio of Crédito Predial Português, until 2003. In 2004 António Ramalho enters the public sector, working in the financial areas of transport and infrastructure companies, first with Rave and then as Chairman of the Board of CP – Comboios de Portugal, from 2004 to 2006. In 2006 he returns to the financial sector as Chairman of the Board of Directors and CEO of Unicre, a company held by the main Portuguese banks, and in 2010 joins Millennium BCP, as CFO and executive Vice-Chairman of the Board of Directors, and Chairman of the Group's Real Estate Investment Bank. In 2012 he goes back to the infrastructure sector, as Chairman and CEO of Estradas de Portugal, where he was in charge of the merger between Estradas de Portugal and Refer – Rede Ferroviária Nacional that originated in 2015 Infraestruturas de Portugal, a company with 27 billion euros in road and rail net assets, of which he was Chairman. In his professional life António Ramalho held various non-executive positions, namely as member of the Board of Directors of the Lisbon Stock Exchange until 2000, Chairman of several financial companies of the Champalimaud Group until 2000, non-executive member of the Board of Directors of PT between 2008 and 2010, Board member of VISA Southern Europe between 2007 and 2010, and member of Euronext NV's Supervisory Board until 2012. António Manuel Palma Ramalho is married and has two daughters.

Vítor Fernandes

Graduated in Management from Universidade Católica Portuguesa, Vítor Fernandes held several senior positions in the Portuguese financial and insurance sectors, namely as Vice-Chairman of Banco Comercial Português, Member of the Board of Directors of Caixa Geral de Depósitos, and CEO of the insurers Fidelidade Mundial, Império Bonança and Mundial Confiança. Before joining NOVO BANCO’s board team, he was a director at ECS Capital. Vítor Fernandes is married and has three children.

Jorge Freire Cardoso

Graduated in Economics from Universidade Nova de Lisboa, with an MBA from INSEAD, Jorge Freire Cardoso held several management positions in Caixa Geral de Depósitos Group, in Portugal and Brazil, namely as CEO of Caixa – Banco de Investimento. Before joining NOVO BANCO’s board team, he was an executive director at Caixa Geral de Depósitos. Jorge Freire Cardoso is married and has three children.
Luísa Soares da Silva

Graduated in Law from the Universidade Católica Portuguesa (Lisbon). Before joining NOVO BANCO, Luísa Soares da Silva practised financial, banking, insurance and capital markets law in Morais Leitão, Galvão Teles, Soares da Silva & Associados (MLGTS), since 2001 as a Partner. Luísa Soares da Silva is married and has two children.

José Eduardo Bettencourt

Graduated in Economics from NOVA, School of Business & Economics, Portugal, José Eduardo Bettencourt has held several positions in the financial sector, including: President of the Board of Santander Asset Management, SantanderTotta board member, member of Barclays Executive Board of Directors, BCI / Santander and Santander Negócios Portugal. He also held various managerial responsibilities at Citibank,Banco Mello and Golden Assets.He was also President of Sporting Clube de Portugal. José Eduardo Bettencourt is married and has five children.

Luís Ribeiro

Luis Ribeiro, who was already a member of the board of directors of the NOVO BANCO of the Azores and Garval - Sociedade de Garantia Mútua, was currently responsible for the coordination of the Southern Companies area and previously for the Retail area, where he performed various functions throughout his 23 years of commercial banking experience. At age 47, Luis Ribeiro has a degree in Economics, attending the Advanced Management Program for Executives of Universidade Católica as well as the Advanced Executive Program of Nova SBE.


Mark Bourke

Mark Bourke is a Financial Services specialist professional with a vast career in the most important companies in the field. He got his Diploma in Accounting from Dublin City University after finishing his Bachelor’s Degree in Engineer Electronics from University College Dublin. Mr. Bourke began his career at PricewaterhouseCoopers (PwC) in 1989 and is a former partner in international tax services with PwC US in California. After that in the year 2000, Mr. Bourke joined IFG Group as a Finance Director and was promoted Group Chief Executive Officer in 2006.  Mr Bourke joined AIB in April 2014 as Chief Financial Officer and member of AIB’s Leadership Team and was co-opted to the Board on 29 May 2014. He is a member of Chartered Accountants Ireland and the Irish Taxation Institute. Mark won the Irish Times CFO of the Year Award 2018.