Chairman of BBVA, Spain's No. 2 bank.BORN
1944 in Chantada, Galicia.EDUCATION
Degree in economic sciences from the University of Madrid. Postgraduate studies in commercial law.CAREER
Worked as a computer programmer and analyst and then a stockbroker before starting a brokerage firm in 1988 that he sold to Merrill Lynch in 1995. Appointed chairman of state-owned bank Argentaria in 1996, which he helped privatize. Merged Argentaria with Banco Bilbao Vizcaya, creating BBVA, in 1999.CLAIM TO FAME
First Madrid stockbroker to own a car phone. It cost him $5,000 in 1985.AFTER HOURS
Plays golf and skis in the Alps.FAMILY
Married, with two daughters.