Crédit Agricole Group
Working every day in the interest of our customers and society. We are a retail bank because we continue to rely on the strength of our local network, but also because we adapt to changes in customer trends. We provide straightforward, independent advice, offering both the best digital services and the expertise of your own personal advisor.

Crédit Agricole Group, sometimes called La banque verte . 'The green bank', due to its historical ties to farming), is a French international banking group and the world's largest cooperative financial institution. It is the second largest bank in France, after BNP Paribas, as well as the third largest in Europe and tenth largest in the world. It consists of a network of Crédit Agricole local banks, 39 Agricole regional banks and a central institute, the Crédit Agricole S.A.. It is listed through Crédit Agricole S.A., as an intermediate holding company, on Euronext Paris' first market and is part of the CAC 40 stock market index. Local banks of the group owned the regional banks, in turn the regional banks majority owned the S.A. via a holding company, in turn the S.A. owned part of the subsidiaries of the group, such as LCL, the Italian network and the CIB unit. It is considered to be a systemically important bank by the Financial Stability Board.
It was the title sponsor of the Crédit Agricole professional road cycling team from 1998 to 2008.
Crédit Agricole has been designated as a Significant Institution since the entry into force of European Banking Supervision in late 2014, and as a consequence is directly supervised by the European Central Bank.
Governance
Dominique LEFEBVRE, Chairman of the Board of Directors
Dominique Lefebvre has held numerous positions within professional farming associations. He got involved in Crédit Agricole’s working bodies very early on and, in 1995, was elected Chairman of Crédit Agricole de la Beauce et du Perche, now Crédit Agricole Val-de-France (1997). He also holds several national positions. Initially elected member of the Bureau of the Fédération nationale du Crédit Agricole – FNCA – in 2004, he became Deputy Chairman thereof in 2008, then Chairman in 2010. In this capacity he also was Chairman of SAS Rue La Boétie, Crédit Agricole S.A.’s majority shareholder, before being elected Chairman of Crédit Agricole S.A. in November 2015.
Raphaël Appert, Deputy Chairman of the Board of Directors
A graduate of EDHEC (Lille 1983), Raphaël Appert has spent his entire career at Crédit Agricole. Having joined the network of branches of Crédit Agricole du Nord-Est in 1983, he subsequently became Manager of the Commercial Network of Crédit Agricole de la Sarthe in 1995, then Finance and Marketing Manager of Crédit Agricole de l’Anjou et du Maine in 1998. He has been Deputy General Manager of Crédit Agricole Centre-Est since 2002. In 2005, the Board of Directors of Crédit Agricole Val-de-France chose him as Chief Executive Officer. He has been the Chief Executive Officer of Crédit Agricole Centre-Est since 2010. Elected as an Officer of the Bureau of the Fédération nationale du Crédit Agricole in 2012, he became Deputy Corporate Secretary in 2015, then First Deputy Chairman in May 2017. Within the Crédit Agricole Group, Raphaël Appert’s positions notably include those of Chairman of Sacam Développement and Chairman of the Grameen Crédit Agricole Foundation.
Olivier Auffray, Director
Olivier Auffray, Chairman of the Ille-et-Vilaine Regional Bank since 2019, brings to the board experience as head of an agricultural company as well as banking expertise gained from the positions he has held at Crédit Agricole since 2006. Mr Auffray, 53 years old, who has a BTS (Vocational Training Certificate) in Agricultural Technique and Business Management, is an expert in regional economies due to the positions that he holds or has held at the Chamber of Agriculture, at ADASEA (Société d’Aménagement des Structures d’Exploitation Agricole d’Ille-et-Vilaine – Planning company of the agricultural farming structures of Ille-et Vilaine), as Co‑Chair of the Local Agricultural Programme in Pays de Rennes, and on the Rennes Métropole Development Committee, in addition to his experience as a Director of SPACE (the International Trade Show for Livestock). A former member of the Economic and Social Council of Brittany, over his terms he has also been a member of various committees in charge of areas such as the environment and biodiversity as well as those with more social connotations, particularly employment and attractiveness of the regions.
Philippe Brassac, Chief Executive Officer of Crédit Agricole S.A.
Philippe Brassac joined Crédit Agricole du Gard in 1982, where he was Head of Organisation and then Head of Finance, banking and marketing. In 1994, he was appointed Deputy Chief Executive Officer of Crédit Agricole des Alpes Maritimes, and continued to hold this position at Crédit Agricole Provence Côte d’Azur when it was formed from the merging of Caisse régionale des Alpes Maritimes, Caisse régionale des Alpes de Haute-Provence and Caisse régionale du Var. In 1999, he joined Caisse nationale de Crédit Agricole as Head of Relations with the Regional Banks. In 2001, he became Chief Executive Officer of Crédit Agricole Provence Côte d’Azur. Philippe Brassac was elected Deputy Chairman of Fédération nationale du Crédit Agricole in 2008, becoming Secretary General in 2010, on this basis, he was Deputy Chairman of SAS Rue La Boétie.
Philippe Brassac is a graduate of the Ecole Nationale de la Statistique et de l’Administration Economique and holds an advanced diploma in mathematics.
Olivier GAVALDA, Deputy Chief Executive Officer of Crédit Agricole S.A.
Olivier Gavalda has spent his entire career at Crédit Agricole. He joined Crédit Agricole du Midi in 1988 where he successively held the positions of Organisation Project Manager, Branch Manager, Training Manager and finally Head of Marketing. In 1998, he joined Crédit Agricole Ile-de-France as Regional Director, then in 2002 he was appointed Deputy Chief Executive Officer of Crédit Agricole Sud Rhône-Alpes, in charge of Development and Human Resources. In 2007 he became Chief Executive Officer of Crédit Agricole Champagne Bourgogne. In 2010, he joined Crédit Agricole S.A. as Head of the Regional Banks Division and then in 2015 he was appointed Deputy Chief Executive Officer in charge of the Development, Customer and Innovation Division. In 2016, he became Chief Executive Officer of Crédit Agricole Ile-de-France.
Olivier Gavalda holds a Master's degree in Econometrics and a DESS (post-graduate diploma) in organisation / computing from Arts et Métiers.
Address: 50 avenue Jean Jaurès 92 120 Montrouge, France
Phone: +33 01 57 72 90 45