Cembra Money Bank Ltd.

CMBN

Equity

ISIN CH0225173167 / Valor 22517316

SIX Swiss Exchange (2025-11-21)

CHF 90.95+0.83%

Cembra Money Bank Ltd.
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About company

Cembra Money Bank Ltd. is a leading Swiss provider of financing solutions and services, offering consumer credit products such as personal loans, auto leases and loans, credit cards, invoice financing, and deposits and savings products. With over 2 million customers in Switzerland, the company operates through a network of branches, online distribution channels, credit card partners, independent intermediaries, and car dealers. Employing more than 900 people from over 40 different countries, Cembra has its headquarters in Zurich and has been listed as an independent Swiss bank on the SIX Swiss Exchange since October 2013. The company is rated A- by Standard & Poor’s and is included in the MSCI ESG Leaders Index and the 2023 Bloomberg Gender-Equality Index.

Summarized from source with an LLMView SourceSector: Finance

Stable Net Revenues and Financing Receivables

Net revenues remained flat at CHF 267.3 million, while net financing receivables held steady at CHF 6.6 billion. This stability reflects Cembra's selective growth strategy and focus on profitability despite a softened macroeconomic environment and lower interest rates.

Improved Cost/Income Ratio

The cost/income ratio improved to 47.6% from 50.4% in the first half of 2024, thanks to a 6% reduction in operating expenses and ongoing efficiency programs.

Solid Loss Performance

The loss rate remained solid at 0.9%, a slight improvement from 1.0% in H1 2024. This was achieved through better loss management and synchronized collection processes.

Strong Capital Position

Cembra maintained a robust capital base with a Tier 1 capital ratio of 17.7% and a return on equity of 13.8%, ensuring financial stability and resilience.

Positive Outlook

The company confirmed its financial targets for 2025 and 2026, supported by increased growth momentum, further efficiency gains, and active capital management.

Summarized from source with an LLMView Source

Key figures

13.9%1Y

20.1%3Y

-15.6%5Y

Performance

19.3%1Y

19.2%3Y

27.0%5Y

Volatility