CHINA CONSTRUCTION BANK (EUROPE) S.A products, services and reviews

About CHINA CONSTRUCTION BANK (EUROPE) S.A

China Construction Bank (Europe) S.A. is a Luxembourg-incorporated credit institution (société anonyme) wholly owned by China Construction Bank Corporation and focused on serving corporate, institutional, and financial intermediary clients engaged in Europe–China trade and investment flows. Headquartered in Luxembourg, it is authorized and supervised by the Commission de Surveillance du Secteur Financier (CSSF) and falls under the EU Single Supervisory Mechanism, with the CSSF handling day-to-day oversight; it is subject to EU banking legislation on capital, liquidity, conduct, and resolution, as well as AML/CFT, sanctions, FATCA, and CRS requirements. The bank operates branches in several EU countries, including France, the Netherlands, Spain, Italy, and Poland, providing corporate banking services such as deposits and cash management, bilateral and syndicated lending, trade finance (documentary credits, collections, and guarantees), supply chain finance, project and structured finance, and treasury products covering foreign exchange, money markets, and basic interest-rate risk management. It supports payments and collections in major currencies, including EUR and CNY, provides SEPA credit transfers, and maintains capabilities for cross-border RMB settlement for European clients dealing with China; retail offerings are limited and generally not the focus of the franchise. Standard account and transaction fees, cut-off times, and service conditions are published in its tariff schedules and may vary by branch and client segment; onboarding typically requires corporate documentation and KYC evidence consistent with EU and Luxembourg rules. Eligible deposits are protected by the Fonds de garantie des dépôts Luxembourg up to EUR 100,000 per depositor per institution, with exclusions and limits set by law; investment services (if provided) fall under the Luxembourg investor compensation scheme. As a subsidiary of China Construction Bank Corporation (rated in the single‑A category by major agencies), the entity aligns its risk management and compliance frameworks with group standards while adhering to local regulatory requirements; financial statements, Pillar 3 disclosures, and branch-specific details are available through official publications and regulatory filings.