Industrial and Commercial Bank of China (Europe) S.A. (Spółka Akcyjna) Oddział w Polsce

Industrial and Commercial Bank of China (Europe) S.A. (Spółka Akcyjna) Oddział w Polsce is the Polish branch of ICBC (Europe) S.A., a credit institution incorporated in Luxembourg and part of the ICBC Group. The branch operates in Poland under EU passporting rules, focuses on corporate and institutional clients rather than retail, and offers services such as current and deposit accounts in PLN and major currencies, domestic and cross‑border payments (including SEPA for euro), trade finance instruments (letters of credit, collections, guarantees), working‑capital and term lending, cash management, and foreign exchange, including support for cross‑border RMB transactions. Service delivery is relationship‑based, with pricing, limits, and collateral set individually; public retail tariffs are limited. Online banking and SWIFT are used for payment initiation and reporting. As an EU branch of a Luxembourg bank, prudential supervision is carried out by the Commission de Surveillance du Secteur Financier in Luxembourg with local oversight by the Polish Financial Supervision Authority on branch activities, and eligible deposits are protected by Luxembourg’s deposit guarantee scheme up to EUR 100,000 per depositor; investor compensation, if relevant, follows the Luxembourg regime. The branch is not a separate legal entity; financial information is primarily reported at ICBC (Europe) S.A. level, with branch notices and regulatory filings available in Polish registers. Standard EU and Polish requirements on AML/KYC, sanctions compliance, data protection, and payment services apply. Consumer banking, card issuance, and mortgage products are limited or not offered, and prospective corporate clients typically obtain terms and onboarding requirements directly from the branch.