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Banking and Finance

Future facing law firm delivering comprehensive solutions for banking and finance challenges

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Banking & Finance at a glance
115+ partners globally
550+ lawyers globally
Appointed to 20 over global banking and finance related legal panels
Offering innovative legal tech solutions
Top rankings in Chambers Europe and Global as well as numerous jurisdictions by major legal directories.

As a participant in the global banking and finance industry, you face increasing financial, regulatory and political changes. CMS is a one-stop-shop for all your challenges across the world. So, whether you are a bank or a corporation, a financial service provider or other regulated operator, an investment fund or public institution, our priority is resolving your challenges.

CMS Banking & Finance provides local and international expertise across the full spectrum of banking and finance, to advise you on:

  • Banking law and regulation
  • Finance
  • Restructuring
  • Capital markets

As a group we combine our expertise to drive important issues for our clients through regular and pertinent communication, expert guides and thought leadership.

We offer pragmatic business solutions, based on in-depth understanding of your industry. We strive to be both your business partners and your trusted lawyers.

From deep-rooted local advice to multi-jurisdictional expertise, we offer you consistent, top quality service. Our lawyers across the globe know one another and work together in specially selected teams to focus on your specific needs.

Please reach out to any of our Banking & Finance lawyers to explore solutions to your needs.

Always moving forward

Whether you are a bank or a corporation, a financial service provider or other regulated operator, an investment fund or public institution, we have relevant people, who understand your sector. We structure teams according to sectors and products. This enables us to be up to date with, and anticipate, issues in specialised areas.

From deep-rooted local advice to multi-jurisdictional expertise, our teams offer you consistent, commercial advice from a flexible pool of lawyers. CMS has over 75 offices worldwide and our banking and finance sector experts across the globe know one another, work together regularly and train together, so you get a single cohesive CMS team, wherever they are located.

Sustainable Finance and Responsible Investment is an issue of global importance which is front and centre in political, legal and market priorities. Although the rise to prominence has been market-led, regulation is catching up. CMS is working with banks, insurers, trustees, investment managers, brokers, payment service providers and fintech founders on their sustainability agendas.


Our specialist practice areas

Highlighted experience

  • Compliance/ AML

    Worldline

    Advising the leading European player in payment services on its divestment of business assets in Austria, to buyer, Global Payments s.r.o., and in Belgium and Luxembourg to BNP Paribas Fortis. The divestment represents an important milestone in Worldline’s compliance with its European Commission anti-trust commitments following its USD 8.6bn acquisition of Ingenico in 2020.

  • Compliance/ AML

    US Investment Bank

    Running an internal investigation with a large US Investment Bank related to a large insider trading case; dealing with prosecution and regulatory bodies.

  • Digital Infrastructure Finance

    CityFibre

    Advising CityFibre on a partnership with Vodafone to deliver ultra-fast Gigabit-capable full fibre broadband to up to five million homes and businesses across the UK by 2025.

  • Digital Infrastructure Finance

    China Development Bank

    Advising CDB on a senior credit facility of EUR 450m to be provided to Jazztel Netherlands B.V. in support of the construction of the jointed roll out of FTTH networks in Spain.

  • Contentious Regulatory

    Board members of a major bank

    Representing a major bank’s Chief Executive and its Chief Operating Officer in an independent inquiry into the bank’s handling of matters arising out of widespread fraudulent activities at a branch affecting numerous small-business customers. We also prepared the Bank’s formal submissions to the inquiry on the Bank’s handling of the matters, following an independent investigation that we conducted on its behalf.

  • Contentious Regulatory

    One of UK’s largest insurance distributors

    Successfully representing one of the UK’s largest insurance and credit add-on distributors in a long-running FCA investigation into its sales operations, which the FCA has recently closed without an adverse finding. We assisted the firm in relation to making market announcements, in responding to FCA enquiries and in appointing and handling several skilled persons.

  • Hotel & Leisure

    Aareal Bank

    Advising on its EUR 225m financing of a European hotel portfolio, including branded hotels in France, Germany, Luxembourg, Spain, Switzerland and The Netherlands.

  • Hotel & Leisure

    CitizenM Hotels

    Advising on the financing provided by HSBC, ABN Amro and Aareal Bank of its pan-European hotel portfolio comprising ten hotels located in France, The Netherlands and the UK.

  • IP/ Movies

    Ingenious group

    Advising in structuring the financing aspects for the production of several films in CEE including security and incentives advice.

  • IP/ Movies

    Metro Goldwyn Mayer

    Advising in relation to the CEE legal aspects for the production of the film Wednesday.

  • Payment Services

    Several international companies

    Advising on launching BNPL (buy now pay later) digital payment products across Europe on regulatory, financial consumer protection and other complex legal issues.

  • Capital Markets

    US Investment Bank

    Advising a large US investment bank in New York, London and Hong Kong on its structured product issuances including hybrid and credit-linked securities.

  • Capital Markets

    Investment Managers

    Advising multiple investment managers on the implementation of EMIR including margining, clearing and reporting requirements.

  • Real Estate Finance

    Verdion Group Limited

    Acting for a real estate investor and project developer in connection with two financings of four logistics properties in Germany and the Netherlands and also involved entities based in Luxembourg.

  • Sustainable Finance

    Lloyds Bank

    Advising on the first “green” loan forming part of Lloyd’s GBP 1bn initiative for sustainable green lending, which allows for a margin reduction if certain green standards are included in the leases.

  • Real Estate Finance

    Chinese debt fund

    Acting on the acquisition of a GBP 650m pan-European property portfolio and the GBP 350m financing by German lender Aareal Bank AG of the same. The portfolio comprises 21 strategic assets in Poland, Germany and the UK and also involved entities based in Luxembourg.

  • Sustainable Finance

    Telefónica Deutschland

    Advising on the conclusion of a sustainability-linked loan. Telefónica Deutschland has become the first German telecommunications company to agree a sustainability-linked loan of EUR 750m through its subsidiary Telefónica Germany GmbH & Co. OHG.

Case studies

Mowi ASA is a world-leading Norwegian food company in the seafood sector. CMS advised on the refinancing of its existing bank facility with a EUR 1.8bn five-year secured revolving credit facility. 

The facility agreement contains a sustainability-linked margin adjustment which will further promote Mowi’s sustainability strategy, The Blue Revolution Plan. 

Mowi’s Blue Revolution Plan allows them to achieve its goal of producing more food from the ocean, so meeting the demands of a growing population while respecting the planet and helping local communities to flourish.

 The refinancing includes an incremental option for a potential increase of the facility by an additional EUR 300m. A number of of Mowi’s foreign subsdiaries are acting as guarantors under the new facility agreement.

DBSA’s Green bonds aim to raise funds for environmentally aligned sustainable development projects and could thus play an important role in aiding in the mitigation of, and adaptation to, climate change risks.

In February 2021, the Development Bank of Southern Africa (DBSA), successfully issued its first green bond pursuant to its Green Bond Framework. The EUR 200m bond was issued through a private placement with the French development finance institution, Agence Française de Développement (AFD). 

This first green bond issuance is primarily intended to refinance selected projects under South Africa’s renewable energy independent power producer procurement programme. Future bonds could support projects in wind energy and smart grids as well as measures promoting energy efficiency. 

Marc–Etienne Sébire, Partner at CMS: “With more and more green bonds and sustainability-linked bonds being issued around the world, sustainable finance actively contributes to the transition to a low-carbon economy.

Events

  • Scenic of panorama view of sunrise skyline and cityscape with light tail on road into metropolis, Bangkok, Thailand
    International
    24 Apr 2025

    Cross-Border Financial Services 2025 webinar series

Local market knowledge. Global outlook

We provide future-facing legal advice to help your organisation thrive. Combining local market knowledge and a global perspective, and with lawyers in locations worldwide, your organisation benefits from the expertise it needs, even across borders.

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