The global and EEA are region specific. The China rom has more updates than the the Global or EEA roms. All are stock roms. The main difference between EEA/Global and China rom is that the China rom does not have Google services. The Xiaomi.eu is based on the China rom, but has all the Chinese script ramoved and multi language support added. Plus it has Google services added. As for your banking apps, the stock roms will not work with them, because the bootloader is unlocked and if you attempt to relock a China variant phone with a Global rom, it can brick your phone. Do not attempt to relock your bootloader. Banking apps do work with the Xiaomi.eu rom (at least mine does) as the open bootloader is hidden in the rom, thereby making it appear as there is a locked bootloader. Similar to how Magisk works, only it doesn't root your phone. I would try the Xiaomi.eu rom as it is the best of all three roms.
