Commonwealth Bank of Australia (Europe) N.V.

Commonwealth Bank of Australia (Europe) N.V. is the European banking subsidiary of Commonwealth Bank of Australia, incorporated in the Netherlands as a public limited company and based in Amsterdam; it holds a Dutch banking license and is supervised by De Nederlandsche Bank and the Netherlands Authority for the Financial Markets, with the ability to provide services across the European Economic Area via passporting. The entity focuses on corporate and institutional clients, offering products such as bilateral and syndicated lending, trade and commodity finance, project and infrastructure finance, structured finance, cash and transaction banking, and foreign exchange and interest rate risk management under applicable EU rules including MiFID II and EMIR. It does not operate a retail franchise in Europe and does not market consumer current accounts, cards, or mortgages. Funding is sourced from corporate and institutional deposits and wholesale markets, and capital and liquidity are managed under CRR/CRD requirements, including LCR and NSFR. Governance follows Dutch corporate law, with annual financial statements and regulatory disclosures published in line with local and EU standards; the entity’s credit profile is linked to its parent, which is rated AA-/Aa3/AA- by major rating agencies at group level. Payment capabilities include SEPA and international cross-border transfers via standard correspondent channels. AML/KYC controls follow EU directives and Dutch law, and eligible covered deposits, if any, fall under the Dutch Deposit Guarantee Scheme up to the statutory limit. Access to products and pricing depends on client profile, regulatory approvals, and risk appetite.