84.30
+0.12%
Close of 9 Nov 2026, in CHF
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About Cembra Money Bank
Its shares trade on SIX under the ticker CMBN.SW. It has been listed since 30 October 2013. In the fiscal year to 31 December 2025, it reported revenue before interest expense of CHF 635.1m and net income of CHF 180.0m. At that date it held total assets of CHF 7.94bn and shareholders' equity of CHF 1.35bn.
Cembra Money Bank AG engages in the provision of financial products and services. The company is headquartered in Zurich, Zuerich. The company went IPO on 2013-10-30. The company operates through a domestic distribution and sourcing network that includes approximately 25 branches, as well as 200 agents, 3000 auto dealers, credit card partner agreements and online channels. Its offering is diversified into loans, credit cards, leasing, insurance and savings. The loans business focuses on the provision of personal loans. The credit card business engages credit card provision. The leasing business provides leasing services, including automobile, motorcycle and caravan leasing, among others. The insurance business provides insurance solutions, including payment insurance and credit card insurance. The savings business provides saving solutions, including deposit accounts and investment instruments.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 30 Oct 2013
- Employees
- 928
- Website
- cembra.ch ↗
Leadership
Pay as last reported
- Dr. Franco MorraNon-Executive Independent Chairman of the BoardCHF 533,540
- Mr. Holger LaubenthalChief Executive Officer, Member of the Management BoardCHF 1.7m
- Mr. Thomas BuessNon-Executive Independent Vice Chairman of the BoardCHF 215,837
- Mr. Pascal PerritazChief Financial Officer, Member of the Management Board
- Ms. Alona EidukaChief Operating Officer, Member of the Management Board
- Ms. Sandra BabylonChief Technology Officer, Member of the Management Board
- Mr. Eric AnlikerGeneral Counsel, Member of the Management Board
- Mr. Volker GloeChief Risk Officer, Member of the Management Board
- Mr. Peter SchnellmannBusiness Unit Leader - Lending, Member of the Management Board, since 2024
- Mr. Christian StolzBusiness Unit Leader - Payments, Member of the Management Board
- Mr. Marc BergNon-Executive Independent Director, since 2022CHF 161,088
- Ms. Sandra HauserNon-Executive Independent DirectorCHF 113,941
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 58
- Environment
- 34
- Social
- 75
- Governance
- 64
- Direct emissions (scope 1)
- 163 t
- Energy emissions (scope 2)
- 34 t
- Value chain emissions (scope 3)
- 288,000 t
- Women in the workforce
- 45%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Cembra Money Bank AG possesses several strengths that contribute to its success and competitiveness. Firstly, the bank has a strong market presence with a wide customer base, allowing it to generate stable revenue streams. Secondly, the bank benefits from a diversified product portfolio, which includes personal loans, credit cards, and auto financing, enabling it to cater to different customer needs. Additionally, Cembra Money Bank AG has a solid financial position with a high level of capital adequacy and strong profitability, indicating its ability to withstand economic uncertainties.
Weaknesses
- Despite its strengths, Cembra Money Bank AG also faces certain weaknesses that may pose challenges to its growth. One notable weakness is the bank's limited geographical presence, primarily operating within Switzerland. This restricts its potential for expansion into new markets and exposes it to local economic fluctuations. Moreover, the bank heavily relies on a traditional brick-and-mortar branch network, which may deter tech-savvy customers seeking convenient digital banking solutions.
Opportunities
- There are several opportunities that Cembra Money Bank AG could potentially leverage to enhance its position in the market. With the increasing trend of digital banking and rising customer expectations for seamless online experiences, the bank has the opportunity to invest in technological advancements and develop user-friendly digital platforms. Expanding its geographical reach beyond Switzerland, particularly in neighboring countries with favorable economic conditions, could also unlock significant growth opportunities for the bank. Additionally, the bank can explore strategic partnerships with fintech companies to tap into innovative financial products and services.
Threats
- Cembra Money Bank AG faces various threats that may impact its business operations. One significant threat is the intense competition within the banking sector, both from traditional banks and emerging fintech players. This competition can exert pressure on the bank's market share and profitability. Additionally, regulatory changes and compliance requirements, particularly in the financial industry, pose a significant threat to the bank's operations. The bank must stay updated and adapt to changing regulations to mitigate potential risks. Economic downturns or financial crises can also pose threats to the bank's stability and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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