LAWYER PROFILE

João Santos Carvalho

Europe 2026

SRS Legal

Ranked in 1 practice area

Banking & Finance

Portugal

7 years ranked

About

Provided by SRS Legal

Practice Areas

Banking

Capital markets

Securitisation

Career

Partner in SRS’ Corporate & Finance Department, João Santos Carvalho has extensive experience in advising credit institutions and borrowers on a wide range of banking and financial law issues, including a range of domestic and cross-border bank financing transactions, asset finance, project finance, real estate finance, ship finance, direct lending, NPL and banking regulatory matters.

He has advised several investment banks, investment fund management companies, financial intermediaries and issuers on capital markets transactions and the provision of financial services, including several debt issuance transactions and securitisations and regulatory matters. He also advises incumbents, fintechs and crypto-active operators on regulatory issues related to digital banking, provision of payment services, credit granting and crypto-active products.

Professional Memberships

Portuguese Bar Association

Publications

"The (Hypothetical) Remuneration of the Borrower. Effects of Negative Reference Interest Rates on Bank Credit Contracts”, 2018, Almedina.

Chambers Review

Provided by Chambers

Chambers European Guide

Banking & Finance - Portugal

Band 4

Individual Editorial

João Santos Carvalho advises on corporate and real estate finance, with further activity on securitisation matters.

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Strengths

Provided by Chambers

João Santos Carvalho is an excellent lawyer with distinctive interpersonal skills, meticulous attention to detail and the ability to manage different perspectives and find solutions.
Banking & FinanceChambers European Guide
João Santos Carvalho is very responsive and great to work with.
Banking & FinanceChambers European Guide
João Santos Carvalho offers great technical and commercial capacity.
Banking & FinanceChambers European Guide