Frequently Asked Questions

Everbright Bank Europe is the working name of China Everbright Bank (Europe) S.A., a credit institution incorporated in Luxembourg and supervised by the CSSF. It is the European banking platform of China Everbright Bank Co., Ltd. Full detail is on the entity page.

A separate company. It is a Luxembourg société anonyme registered under RCS Luxembourg B213668, not a branch or representative office. It holds its own banking licence and its own balance sheet.

RCS Luxembourg B213668, LEI 22210018MLEVW7CTGU78, SWIFT/BIC EVERLULL. Registered office: 52 Boulevard Prince Henri, L-1724 Luxembourg.

The Luxembourg licence passports throughout the European Economic Area. Active corridors run into Germany, Italy, France and the United Kingdom, and instruments have reached beneficiaries in 46 jurisdictions.

No. The franchise is corporate and institutional: corporates, financial institutions, fund promoters and public-sector borrowers. There are no retail current accounts or consumer mortgages.

Eligible deposits are covered by the Fonds de Garantie des Dépôts Luxembourg (FGDL) up to €100,000 per eligible depositor. See our legal notices for the full statement.

Advance payment guarantees, performance bonds, bid and tender bonds, retention money and warranty guarantees, financial and payment guarantees, standby letters of credit, customs and VAT guarantees, rental and lease guarantees, and shipping letters of indemnity.

ICC URDG 758 or ISP98, and under national law where a public authority requires a specific local form. The applicable rulebook is stated on the face of every instrument.

A risk commission expressed as a percentage per annum of the guaranteed amount, plus a one-off issuance fee, SWIFT transmission, and where applicable correspondent re-issuance and bespoke wording review. Commission depends on instrument type, validity, the applicant’s internal rating, the beneficiary’s jurisdiction and any cash cover. You can model this with our guarantee pricing calculator.

Yes. The bank issues directly from Luxembourg where the beneficiary accepts European bank risk, and otherwise re-issues through a local correspondent under its counter-guarantee. Instruments favouring Chinese beneficiaries can be supported by a counter-guarantee from the parent network.

A commercial letter of credit is a payment mechanism: the bank pays on presentation of compliant trade documents. A standby letter of credit is a default instrument: it is drawn only if the applicant fails to perform, and functions economically like a guarantee. Both are defined in our glossary.

Yes. The bank participates in CIPS alongside SEPA and SWIFT, and offers RMB settlement accounts and documentary flows for European counterparties trading with China.

Benchmark European transactions are typically arranged from €100 million upwards. Smaller private placements and tap issues are considered where the credit and the investor base support them.

Principally the Luxembourg Stock Exchange, including the Luxembourg Green Exchange (LGX) for green, social and sustainability-linked paper. Other recognised European venues are available where investors require them.

Yes. The bond issuance calculator produces an indicative all-in cost and coupon schedule from tenor, size, rating and currency inputs. Figures are indicative and not a binding offer.

Use the bond panel and QR verifier. Instrument references can also be confirmed directly with the Luxembourg desk.

Yes. Green, social and sustainability-linked structures are underwritten and listed on LGX, subject to framework review and second-party opinion. Our ESG framework sets out the approach.

Bilateral term loans, revolving credit facilities, club deals, syndicated participations, project and infrastructure financing, and aircraft and asset finance. See corporate banking.

Yes. The bank acts as lender of record, arranger, and facility or security agent on European transactions, and takes participations in syndicates led by other institutions.

Principally EUR, USD, CNY/CNH and GBP, with CHF available on request. Multi-currency facilities are documented so drawings can switch between agreed currencies.

Timing depends on the structure and on the completeness of financial and KYC information. Indicative terms on straightforward bilateral requests are usually returned within two to three weeks of a complete pack.

UCITS under the UCITS V Directive and alternative investment funds under AIFMD, covering cash flow monitoring, ownership verification, safekeeping and oversight duties.

Direct linkages to European ICSDs including Euroclear and Clearstream, plus global central depositories for equities, fixed income, sovereign debt and structured notes.

Yes. Financial instruments held in custody are segregated and ring-fenced from the bank’s own assets in line with Luxembourg depositary and CSSF requirements.

Yes. Independent tripartite escrow is offered for Sino-European M&A closings, private equity drawdowns, real estate transactions and joint ventures, including multi-currency escrow.

Constitutional documents, ownership and control structure to ultimate beneficial owner level, audited financial statements, board authorities, and tax residence information. Requirements scale with the risk profile of the relationship.

A risk-based AML and counter-terrorist-financing framework aligned with Luxembourg law, EU directives and CSSF circulars, including sanctions screening and transaction monitoring. See AML and anti-financial crime.

Under the EU General Data Protection Regulation. Our privacy policy sets out lawful bases, retention periods and data-subject rights.

Corporate and institutional enquiries: +352 27 00 28 00 or info@cebeurope.com. The contact page lists desk-level routing. Enquiries receive a response within one business day.

Yes. Existing clients access balances, instrument status and document exchange through the client portal. Credentials are issued by your relationship manager.