A graduate of the École nationale des impôts and General Inspector of Finances, he began his career at the Direction générale des impôts (1970-1983) then joined the Inspection générale des finances to carry out audit and control engagements (1983-1987). He joined the GAN group in 1987 as Director. Then he was appointed Director of Life Assurance Management (1990-1993), Chairman of Socapi (GAN and CIC life assurance company) (1992-1996), Deputy-CEO and Executive Vice-President of Assurances France (1993-1996). He was Chairman of the Banque Régionale de l’Ouest (CIC) from 1994 to 1996 and in parallel Chairman of the retirement fund of the CIC group. Mr. Michel joined the CNCA (now Crédit Agricole S.A.) in 1996 as Company Secretary and member of the Crédit Agricole S.A. Executive Committee. After joining the CNCA (now Crédit Agricole S.A.) in 1996 as Secretary General and member of the Executive Committee of Crédit Agricole S.A., he was appointed Deputy CEO in 1998, a position he held until 2003. He was particularly in charge of the Technologies, Logistics and Banking Services cluster and was appointed Chairman of Crédit Agricole Immobilier. Since 2003, Bernard Michel has been Deputy Director of Operations and Logistics, Director of Operations and Logistics of Crédit Agricole S.A., Director of the Real Estate, Purchasing and Logistics Department, and Vice-Chairman of Predica before being appointed CEO of Predica in 2009, Director of the Crédit Agricole Assurances Department. Since February 2010, he has been Chairman of the Board of Directors of Gecina and also performed, from October 4, 2011 to June 3, 2013, the duties of Chief Executive Officer for Gecina.