智利桑坦德银行 BSAC

Mr. Angel Garcia Valdes has served as Manager of Payments since 2022. He is a commercial engineer from the Adolfo Ibanez University and received a Master's in Business Administration from the Instituto de Empresa in Madrid (IE). Angel Garcia has been the Payment Methods Manager since March 2022. He has been part of Grupo Santander for 17 years, beginning his career at the Bank in 2007, where for 10 years he was at Santander CIB in the areas of Equities and Financial Solutions and Advisory. Subsequently, he made a transition to Commercial Banking where he has held different positions such as Head of the Life Product and Segment Manager.

Mr. Matias Martino Tamm became Executive Vice President of Strategy and Data & AI in August 2025. With more than six years with the Group, Matias Martino has held various leadership positions within Commercial Banking, including segment strategy director and Clients (individuals) Business Manager. He also previously worked at leading companies associated with investment management (Megeve Investments) and strategic consulting (McKinsey and Co). Matias Martino holds a degree in Business Administration from the Pontifical Catholic University of Chile and a Master of Business Administration (MBA) from the University of California, Berkeley, Haas School of Business.

Maria Olivia Recart joined the Board in March 2023 as an alternate director and was voted to the Board in April 2023. She has a degree in Business Administration with a major in Economics from the University of Concepcion and a Master of Arts in Economics from Georgetown. She has more than 25 years of experience in public policy, R&D, senior management of companies and non-profit organizations. She spent 16 years at Fundacion Chile, and then served as undersecretary in the Ministry of Finance (2006-2010). At the end of 2010, she assumed as VP of Corporate Affairs for the Region of the Americas of the Australian mining company BHP. Between 2019 and 2023 she was National Chancellor of the Santo Tomas University (UST). She is president of the board of directors of Comunidad Mujer, director of Esval, Essbio, Lundin Mining and Aclara.

Andres Trautmann Buc became CEO in July 2025. Previously he was the Executive Vice-President of Santander Corporate and Investment Banking since May 2021. He joined Grupo Santander in 2007, serving as Treasurer of Santander Chile between 2018 and 2021. Between 2013 and 2018 he was in charge of sales for the Andean region for Goldman Sachs in New York, and prior to that he was Head of Institutional and Corporate Sales at Santander Chile. He was also in charge of sales of structured products in London for Santander UK between 2010 and 2012. Between 2002 and 2006, he worked at Econsult as investment manager for investment funds and financial analyst for studies, and previously he was a financial analyst in the planning and development department of Enersis S.A. Mr. Trautmann has a business degree from Universidad de Chile.

Ana Dorrego became a director on March 15, 2015. She joined Grupo Santander in 2000 and, since then, she has held various functions, mainly in the areas of Financial Planning and Corporate Development, coordinating the entity's M&A and planning processes and monitoring the different units and projects. She was Director of E-Business Development at Santander and has experience as a relationship manager with corporate clients and as commercial director of transactional banking at Bankinter. Currently, she is also director of Caceis. She holds a degree in Business Administration from the Universidad Pontificia de Comillas ICAI - ICADE, and an International MBA from the University of Deusto-Bilbao, Spain, and Adolfo Ibanez, Miami-Chile.

Eduardo Herrera became Executive Vice-President of Technology and Operations at Santander Chile in July 2024. Initially he worked at Apple Chile and later joined Chilquinta, where he was CFO until 2001. He then became CIO of Banco Security, where he remained until 2006. His career continued at Walmart where he stood out in various positions, including CIO for Chile, VP and CIO for Mexico and Central America and VP of Digital & Technology International in the United States. From 2019 to 2024 he was SMU's Digital and Technology corporate manager. Eduardo Herrera is an industrial civil engineer from the Pontifica Universidad Catolica de Chile.

Jorge Palacios Goddard became Executive Vice President of Risk Solutions of Santander-Chile in August 2025. He holds a degree in Business Administration with a specialization in Finance from the Universidad Iberoamericana in Mexico (ITAM) and a Master's degree in Finance from the Instituto Tecnologico Autonomo de Mexico. In 2017, he joined Santander Mexico as Head of Integrated Risk Management (EWRM) and later as Deputy Chief Risk Officer. His professional career has been linked to financial markets and banking.

Pedro Orellana became the executive Vice-President of Retail Banking in April 2021. He has been part of the Santander Group for 27 years. He began his career in the Bank in 1995, where he has had various responsibilities, including serving as Manager of the Individuals and SMEs segments. He was also Executive vice-president of Retail Banking in Colombia and then Head of Retail Banking of the Americas Division in Madrid. Mr. Orellana holds a degree in Civil Engineering from Universidad de Chile and a CFI from Stanford.

Rodrigo Vergara became a director and First Vice Chairman of the Board on July 12, 2018. He is a professor of Economics at Pontificia Universidad Catolica de Chile and an economic consultant and board member for various companies. He graduated with an Economics Degree from the Pontificia Universidad Catolica de Chile in 1985 and earned a Doctorate Degree in Economics from Harvard University in 1991. He is a researcher at the Center for Public Studies (CEP) and an associate researcher at the Harvard University School of Government (Kennedy School). He is the author of numerous articles published in specialized professional journals and has edited several books. Along with this, he is a professor of Economics at the Catholic University of Chile and is an economic consultant and member of the board of directors of several companies. He went to work at the Central Bank of Chile in 1985. Then he was at the Center for Public Studies and at the Catholic University of Chile. In 2009 he joined the Council of the Central Bank of Chile, assuming his position as president between 2011 and 2016. In addition, he has been an economic advisor to the central banks and governments of several countries and has been an external consultant to the World Bank, the International Monetary Fund, the Inter-American Bank Development and the United Nations.

Lucia Santa Cruz Sutil became a director on August 19, 2003. She is a Member of the Board of Universidad Adolfo Ibanez. She is director of Compania de Seguros Generales y de Vida La Chilena Consolidada (Zurich) and is a member of the Advisory Board of Nestle Chile. She was the designer of modern European history at the Pontificia Universidad Catolica and Dean of Liberal Arts at the Universidad Adolfo Ibanez. She is a member of the Self-Regulation Committee for Insurance Companies in Chile. Ms. Santa Cruz is a historian and holds a Master in Philosophy in History from Oxford University and a Bachelor of Arts in History from King's College, University of London.

Cristian Florence is our General Counsel, a position he has held since September 2012. Prior to that he served as Chief Lawyer at Santander-Chile. Mr. Florence joined Santander-Chile in 2002 when Santander-Chile merged with Banco Santiago. He started working in the banking industry in 1991, when he joined Centrobanco, a predecessor of Banco O'Higgins and Banco Santiago serving at several positions in the law departments. Mr. Florence is also a Director of Zurich Santander Seguros Generales Chile S.A., Zurich Santander Seguros de Vida Chile S.A. and Santander Asset Management S.A. Administradora General de Fondos. He has a degree in Law from Universidad Gabriela Mistral and a Master of Laws (LLM) from the same university and is a professor of Civil Law.

Fernando Larrain became Executive Vice-President of Communications, Marketing and Research in June 2023. During his career he has served as a government advisor in different ministries and countries and has been a consultant to multilateral organizations, a business advisor, an academic, and a manager at universities and trade associations. Between 2016 and 2020 he was general manager of the Association of Pension Fund Administrators. Subsequently, he served as a consultant to the World Bank, non-resident senior fellow of the Atlantic Council, Director of the International Center for Pension Administration and member of the board of various foundations. He is a business engineer with a major in economics from the Pontificia Universidad Catolica de Chile and a Master's in Public Affairs from Princeton University.

Blanca Bustamante Bravo became an alternate director on April 28, 2015 and was voted to the Board in April 2023. She holds a commercial engineering degree with mention in economics from Universidad Catolica de Chile. Her professional experience includes the role of economic analyst for the Central Bank of Chile and research analyst for Oppenheimer & Co. in New York and IM Trust. In 1998, she joined Vina Concha y Toro as Head of Investor Relations, a position held until 2010. In 2001, she also became deputy manager of Corporate Communications and in 2017 was named Director of Corporative Affairs. Since 2013, she has been a director in the Center for Research & Innovation for Vina Concha y Toro. In 2023, she left her managerial position in Vina Concha y Toro and assumed as a board member.

Patricia Perez became Chief Financial Officer of Banco Santander Chile in November 2024. Throughout her 18-year career at the Santander Group, she has held different roles within the organization, starting her career in Operations and Management Control and then joining the Finance Division, where she has remained for the last 14 years, which has allowed her to have a solid knowledge of financial and capital management. Previously, she held the position of Head of Asset & Liability Management (ALM) at Banco Santander and has participated in different development initiatives, both locally and at the corporate level, including being a member of the SW50 Leadership Program taught by the London School of Economics and Political Science (LSE) and promoted by the Group. She has a degree in Information and Management Control from Universidad de Chile and a Master in Finance from the Universidad Adolfo Ibanez.

Paula Melendez became the Executive Vice-President of Human Resources in June 2023. She has extensive experience in the financial sector, both in financial operational areas and in human resources. She has been part of Grupo Santander since 2004 leading, among others, the People and Culture Management, Organizational Development, Change Management and Financial Operations Control teams. She is an auditor/accountant and engineer in Information and Management Control from the University of Chile and has a Master's degree in Financial Management from the Adolfo Ibanez University.

Fernando Benito Olivares became CEO of Getnet Chile in 2023. He joined Banco Banesto in Alicante in 2004, serving as head of the SME sector in the same city and directing commercial teams in different territories of Spain. In 2018, he arrived in Chile to assume management of the SME business at Santander, strengthening this segment and achieving, for the first time in its history, that Santander was named the Best SME Bank in the country, according to Global Finance magazine. Fernando Benito has a law degree from Universidad de Salamanca (Spain) and holds a Master's in Business Administration from Universidad Alfonso X El Sabio.

Guillermo Sabater is the Financial and Cost Controller of Santander-Chile and has been working for Santander Group and its affiliates for 28 years. Between 2009 and 2015, he was Senior Executive Vice President of Santander in the U.S. and CFO and Controller of Sovereign Bank and Santander Holdings USA. Before that, he was the financial controller of Banco Santander Chile between 2006 and 2009. He also served for three years, between 2003 and 2006, as Financial Controller of the Consumer Finance Division in Madrid, Spain. Mr. Sabater also served as an internal auditor during his first ten years at the company. He has a degree in Economics and Business Administration from University College of Financial Studies at Universidad Complutense de Madrid and completed a Program in Executive Development at the Institute of Business and has completed various courses at institutions such as Babson College and Boston University.

Orlando Poblete Iturrate is the Second Vice Chairman and has served on the Board since April 22, 2014. Since 1991, Mr. Poblete has been a professor at Universidad de los Andes. Between 1997 and 2004, he was Dean of the Law School at Universidad de los Andes and until 2014 he served as Chancellor. He is also a partner at the law firm Orlando Poblete & Company. He is a member of the Counsel of the Arbitration and Mediation of Santiago of the Chamber of Commerce of Santiago. Previously, between 1979 and 1991, he was a professor of Procedural Law at Universidad de Chile. Mr. Poblete is a lawyer from Universidad de Chile and has a Masters in Law from the same university. He is also a graduate of the Directive Management of Companies Program (PADE) of ESE Business School of Universidad de los Andes.

Mey Lin Hernandez is our Internal Auditor, a position she has held since September 2023. She has been working in internal auditing in Grupo Santander since October 2003. In March 2020 she joined Banco Santander Chile as head internal auditor for Market Risk. Ms. Hernandez has a Business Degree from the Universidad Complutense de Madrid and is certified by COSO.

Claudio Melandri Hinojosa became the Executive Chairman of Grupo Santander in Chile on February 27, 2018 and non-executive Chairman since May 2022. He is also President of Santander Chile Holding S.A. and Vice President of Universia Chile S.A. He has more than 30 years of experience in the financial industry and was Chief Executive Officer of Santander Chile from January 2010 to March 2018 and was also Country Head until July 2022. He started his career in Banco Concepcion and joined Grupo Santander in 1990, where he has held various positions of responsibility, including Regional Manager, Manager of the branch network, Human Resources Manager and Manager of Commercial Banking. He was also a Vice President at Banco Santander Venezuela for three years in the commercial area of this country. Mr. Melandri has degrees in Business and Accounting and holds a Master of Business Administration from Universidad Adolfo Ibanez.

Felix de Vicente Mingo became a director on March 27, 2018. He has a Business degree with a specialization in Economics from Universidad de Chile. Between 2013 and 2014, he was Minister of Economy, Development and Tourism of Chile. Before this, he was a Trade Commissioner of ProChile, an institution of the Ministry of Foreign Affairs dedicated to promoting Chilean products abroad. In his career he has been president and partner of several companies both in Chile and abroad.

Jose Francisco Doncel Razola became a director in July 2025. He has more than 40 years of experience in auditing, financial accounting, management control, and leadership in banking institutions. He began his career at Arthur Andersen Auditores, where he participated in audits and consulting for financial institutions, in addition to being part of teams specializing in IT auditing and training. In 1989, he joined Banco Santander, serving as a director in the Financial Accounting Division and leading key teams. Subsequently, at Banesto, he held senior management positions, including accounting management, financial control, and profitability strategy. Since 2013, he has held strategic roles at Banco Santander, including serving as General Manager of Internal Audit and, currently, as leader of the Financial Accounting and Management Control Division, reporting directly to the CEO and the Group President. He has also served on numerous boards of directors in Spain, the United States, and Mexico. Currently he serves as a member of the boards of Santander Spain and also as Chairman of Banco de Albacete, S.A., Grupo Empresarial Santander, S.L., Ablasa Participaciones, S.L., and Finsantusa, S.L.U., and as a member of the boards of Santander Holding Internacional, S.A., Santusa Holding, S.L., Santander Global Technology and Operations, S.L., and Santander Group Properties, S. L. U.

Carlos Ruiz de Gamboa Riquelme was appointed Executive Vice President of Corporate and Investment Banking of Santander Chile on August 1, 2025. He has over 30 years of experience in investment banking, global markets, fixed income, corporate finance and risk management. He has had various leadership roles in Latin America and the United States, including 25 years at J.P. Morgan in New York and Santiago, culminating as Managing Director and Head of Latin America Debt Capital Markets and Latin America Derivatives Marketing, Structuring and Sales, and later as Managing Director and General Manager of J.P. Morgan's Chilean broker-dealer. Throughout his more than 30 year career and before joining Santander, he was part of Tyndall Group, a local financial boutique focused on bespoke strategic services to clients in the region. He was also Director of the Center of Financial Innovation from Escuela de Negocios, Universidad Adolfo Ibanez. He holds a Bachelor's degree in Economics from Universidad Nacional Pedro Henriquez Urena (Dominican Republic) and a post graduate degree in business administration (DPA) from Universidad Adolfo Ibanez (Santiago, Chile).

Jonathan Covarrubias was named Chief Accounting Officer of Santander-Chile in May 2019. He has over 21 years of experience in the banking industry, having started at Santander Chile in 2001. Previously, he has held managerial positions related to the Consolidation and Reporting Departments, overseeing our Chilean, U.S. and Spanish GAAP reporting requirements. Mr. Covarrubias is a public accountant from Universidad de Santiago. He has a Master in Business Administration (MBA) from Pontificia Universidad Catolica de Chile and a Masters in International Business Management from Universidad de Zaragoza. He is also certified by the Comite de Acreditacion de Conocimientos en el Mercado de Valores (CAMV) in Chile.