Organisational structure

The body responsible for the management and coordination of Crèdit Andorrà Group is the Executive Committee, which is tasked with implementing the strategy, the policies and systems for management, controls and risks for the proper operation of the Bank. Chaired by the CEO, it is comprised of eight members, one of which also assumes the role of secretary.


Xavier Cornella Castel


Director of Andorran Banking Business Division

Martí Alfonso Simón

Director of International Banking Business Division

Esteban J. Estévez Zurita

Chief Investment Officer & Chief Innovation Officer

Eduard Galceran Cerqueda

Insurance Group Director

Josep Brunet Niu

Finance and control

Director of Financial Planning, Operations and Resources Division

Francesc Jordà Blanes

Director of Global Risks Division

Xavier Soro Ventura

Director of Legal Advisory,
Money Laundering Prevention and Compliance Division

Arpine Abgaryan Ghazaryan

Group Internal Audit Director

Ramon Lladós Bernaus(*)

Strategic support and social commitment(*)

Director of Corporate
Communications, Marketing and
New Channels

Núria Roca Mateo

Human Relations

Francesc Obiols Argerich

Crèdit Andorrà Foundation

Francesca Ros Pascuet

Decision-making committees

Senior management has established various decision-making committees, which employ a model based on transparency, legal compliance and proper risk management according to international standards.

·Asset-Liability and Risks Committee

·Investment Strategy Committee

·Loans High Commission

·Product Committee

·Money Laundering Prevention Committee

·Client Acceptance Committee

·Ethics Committee

·Efficiency Committee

Organization chart as of May 31, 2022. (*) They are not members of the Executive Committee.