Bank of Communications (Luxembourg) S.A.

Bank of Communications (Luxembourg) S.A. is a Luxembourg-incorporated credit institution and subsidiary of Bank of Communications Co., Ltd., serving primarily corporate and institutional clients with a focus on cross-border business between Europe and Asia. The bank offers corporate lending, syndicated and bilateral facilities, trade finance (letters of credit, guarantees, documentary collections), cash management, multi-currency accounts, and international payments via SEPA and SWIFT, alongside treasury products such as foreign exchange spot and forwards and short-term liquidity instruments. It does not position itself as a mass-market retail bank in Luxembourg, and personal current accounts, cards, or consumer lending are not the core offering. The institution is authorized and supervised by the Commission de Surveillance du Secteur Financier within the EU Single Supervisory Mechanism framework, reports under IFRS, and publishes capital and risk disclosures in line with CRR/CRD (including Pillar 3). Eligible deposits are covered by the Luxembourg deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg) up to EUR 100,000 per depositor, and the investor compensation scheme (SIIL) may apply to certain investment services within statutory limits. Onboarding follows EU AML/KYC requirements, including verification of beneficial ownership and source of funds; corporate clients should expect documentation and due diligence consistent with cross-border banking standards. Pricing, lending terms, covenants, and collateral are determined case by case, and service delivery is geared to relationship-based corporate banking rather than branch or ATM access.