
Madrid, 17 October 1946.
| 1971 | Graduate in Economics from the Universidad Complutense de Madrid. |
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| 1976 | Ph.D. in Economics, with a distinction, from the Universidad Complutense de Madrid. |
| 1973-1988 | Banco Atlántico. Economic and Financial Studies. |
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| 1975-1976 | Adviser to the Ministry of Trade. |
| 1978-1982 | Associate Lecturer at the Universidad Complutense de Madrid. |
| 1982-1983 | RENFE. Member of the Board of Directors (Member of the Standing Committee on Financing). |
| 1982-1983 | Associate Lecturer at the Universidad de Málaga. |
| 1983-1991 | Professor at the Universidad de Murcia. |
| 1985 to date | Lecturer at the Universidad Pontificia de Comillas. |
| 1988-1996 | Banco Atlántico. New Business Development. |
| 1991 to date | Professor of Applied Economics. Universidad Complutense de Madrid. |
| 1996-2001 | Banco Atlántico. Institutional Relations. |
| 2001-2004 | Director-General, Fundación SEPI. |
| 2003-2005 | Member of the Board of Directors of Metrovacesa. |
| 2005 to date | Member of the Governing Council and of the Executive Commission of the Banco de España and President of the Audit Committee. |