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Every story has a beginning

Ours began in 1833.
It all began when Portugal was in the throes of civil war in 1833 and shortly after the Napoleonic invasions. Born in one of the most troubled periods of Portuguese history, Banco Carregosa was a pioneer of a new generation of financial institutions, which we now know as Private Banking.
Since then, we have lived through some of the most troubled periods in Portuguese history, throughout which we have always sought to create stability for our customers. Today, almost 200 years later, our strategy is aimed at continuity, stability and sustainability to give our clients lasting benefits.
History has taught us the importance of this train of thought. To ensure the long-term prosperity of our clients we need to protect the interests of future generations.
A culture of excellence
+2.500 M€
In assets under supervision
Focused on the needs of entrepreneurs, leaders, families and nas family offices. We help our clients protect and increase their assets and create a lasting legacy.
+150
Experts
Human capital is the most valuable asset. Our specialised teams are driven by one mission – to help clients preserve and grow their family wealth.
+190
Years of experience
Making tough decisions requires confidence. Based on in-depth experience of the financial world, we design individualised plans to suit each familys mission.

The advantage of thinking long term.
As an independent private bank, we have the advantage of being able to plan for the long term, free from influences. Banco Carregosas shareholders have since the 19th century passed on their knowledge, experience and values from generation to generation.
Corporate Values
Independence
The only way to propose the best solutions is to eliminate conflicts of interest that prevent truly independent advice.
Innovation
It would be impossible to keep the name Carregosa alive since the 19th century to the present day without strong innovation and adaptation capacity.
Customisation
We stand apart from the competition in that we maintain a close and customised relationship with each client, offering solutions that are appropriate or developed to meet their needs.
Transparency
Rigour and seriousness in presenting investment solutions and providing timely, complete and straightforward information.
Sustainability
We promote a culture of environmental, economic and social sustainability, combined with a prudent risk policy, to impact the community.
Governance
Policies and
Normatives
Shareholders
Financial
Information
The Board of Directors, the Supervisory Board, and the Statutory Auditor are responsible for the management and supervision of Banco Carregosa . The Board of Directors delegates the day-to-day management of the company to the Executive Committee.
Luís Manuel de Faria Neiva dos Santos
Chair
Maria Manuela Pereira Antunes
Secretary
Ana Mafalda Mateus Freitas Gonçalves Malafaya
Secretary
Maria Cândida Cadeco da Rocha e Silva
Chair
Jorge Manuel da Conceição Freitas Gonçalves
Vice-Chair
António José Paixão Pinto Marante
Director
Homero José de Pinho Coutinho
Director
Rogério Francisco Montenegro do Couto
Director
Francisco Miguel Melhorado de Oliveira Fernandes
Chair of Executive Committee
Fernando Miguel da Costa Ramalho
Voting member of the Executive Committee
José Nuno de Campos Alves
Voting member of the Executive Committee
Mário Oldemiro Carvalho Fernandes
Voting member of the Executive Committee
Mariana Mendes Baptista Lopes
Voting member of the Executive Committee
Rodrigo de Melo Neiva Santos
President
Cristina Maria da Costa Pinto
Voting member
António Fernando dos Reis Magalhães Pinto
Voting member
Rodrigo Maria de Azevedo Soares Cordeiro da Silveira
Deputy
Pricewaterhousecoopers & Associados - Sociedade de Revisores Oficiais de Contas Lda, represented by Aurélio Adriano Rangel Amado
Efective
Carlos Manuel Sim Sim Maia
Alternate
Banco Carregosa guides its performance by high ethical standards, that shape the Code of Conduct, which defines the principles and rules to be observe in the relationship with clients and in safeguarding their interests.
The Banks Conflicts of Interest Policy establishes the rules to curb conflicts:
a) Between the Bank and its shareholders;
b) Between the Bank and its clients;
c) Between the Bank and other group entities;
d) Between Bank clients.
The Bank provides has in place mechanisms for reporting irregularities, pursuant to its Policy on the Reporting of Irregularities.
The Policy on the Selection and Assessment of the Suitability of Members of the Management and Supervisory Bodies and Key Function Holders, which complements the legal and statutory provisions, establishes the selection procedures nd requirements to be observed by candidates to those positions.
Policy for the Selection of the Statutory Auditor (ROC)/Audit Firm (SROC) and for Contracting Non-Audit Services establishes the process for selecting the Statutory Auditor /Audit Firm and the procedures for monitoring their activity, in particular for ensuring its independent performance.
The Remuneration Policy for Members of Management and Supervisory Bodies and the Employee Remuneration Policy set out the principles, structure, terms and conditions to be observed in defining the remuneration of the members of the Board of Directors and the Supervisory Board and the employees, respectively.
The Regulation of the Remuneration and Assessment Committee establishes the functional bases of said Committee, pursuant to the legislation in force and the Remuneration Policy for Members of the Management and Supervisory Bodies.
O presente Regulamento define as regras de composição, organização e funcionamento do Comité de Remunerações.
Banco Carregosa is subject to the supervision and regulation of Banco de Portugal (BdP) and the Portuguese Securities Market Commission (CMVM). It is registered with Banco de Portugal under no. 0235 and with CMVM under no. 0169.
Consult the Normative regarding the Plan for the Prevention of Risks of Corruption and Related Offences and the Normative about the Assessment Procedure of the Regulatory Compliance Plan.
Banco Carregosa is owned by a small but cohesive group of shareholders that ensure stability and unity around the institutional objectives. Besides the founder, Maria Cândida Rocha e Silva, the other major shareholders have a professional or emotional connection to Casa Carregosa, prior to the creation of the bank. The presence of some senior managers, who have worked for decades in the institution, and of members of the founders family make Banco Carregosa a unique institution - they all share the same values and objectives, where secular tradition and a strong sense of business heritage is nurtured on a daily basis.
Shareholders with a stake of more than 5% of the share capital as at 31 December 2022:
Maria Cândida Cadeco da Rocha e Silva
Jorge Manuel da Conceição Freitas Gonçalves
Projecto Inverso, S.G.P.S., S.A.
Planalto Capital - Fundo de Capital de Risco
March: Consolidated; Individual.
June: Consolidated; Individual.
March: Consolidated; Individual.
June: Consolidated; Individual.
September: Consolidated; Individual.
December: Consolidated; Individual
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What we do.
The past is important, and so is technology. Above all, people are essential. At Banco Carregosa, we protect the trust that successive generations have placed in us. Banco Carregosa – for those seeking an exclusive Private Banking experience and savings and investment solutions.