CCB has commercial banking branches and subsidiaries in 31 countries and regions, covering financial centres such as London, New York, Frankfurt, Tokyo, Singapore and Dubai etc., providing various financial services for key enterprise customers involved in international trade and large infrastructure projects globally. CCBM & CCBL adhere to its "market-oriented, customer-centric" business concept and is well-positioned to utilise CCB's brand, global synergy and talent pools to develop itself into a bank with top value creation capability. CCBM & CCBL strive to achieve the balance between short-term and long-term benefits, and between business goals and social responsibilities, so as to maximise the value for customers, shareholders, associates and society. CCBM has a full-fledged commercial banking license, specializing in global finance (global credit facility, global cash management, global custody etc.), transaction banking (trade financing, commodity financing, wealth management etc.), and financial markets (treasury products, asset management etc.).CCBL has a full-fledged commercial Labuan banking license granted by the Labuan Financial Services Authority ("Labuan FSA"). Labuan FSA has further approved CCBL to be the first bank in Malaysia to conduct digital banking activities and appointed CCBL as the designated RMB clearing bank in Labuan IBFC. CCBL provides comprehensive wholesale, retail and digital banking services, mainly serving the "Belt and Road" and "Western Land & Sea New Channel" initiatives including large-scale bilateral trade, investment and infrastructure projects.