Cembra Money Bank AG: Business Overview, Financials & Competitive Analysis
Cembra Money Bank AG scores 7/10 on the AskCyborg Cyborg Score (Strong). Earnings growth achieved in a challenging environment validates the resilience of the business model through transformation and efficiency programs. Cembra reported net income increase of 5% to CHF180 million while maintaining a robust Tier 1 capital ratio at 17.6%, above the midterm target of 17%. The cost/income ratio.
What is Cembra Money Bank AG's industry? Cembra Money Bank AG (cembra.ch) operates in Consumer Finance / Banking. AskCyborg classifies Cembra Money Bank AG under Consumer Finance / Banking in its company registry.
Cembra Money Bank AG provides consumer finance products and services in Switzerland, offering savings and deposit products, cash and personal loans, auto loans and leasing products, credit card and invoice financing r...
Cyborg Score thesis
Earnings growth achieved in a challenging environment validates the resilience of the business model through transformation and...
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Pro stress-test →Cembra Money Bank AG provides consumer finance products and services in Switzerland, offering savings and deposit products, cash and personal loans, auto loans and leasing products, credit card and invoice financing receivables, and leasing services for vehicles and corporate leasing. The Swiss consumer finance specialist demonstrated resilience in a lower interest rate environment while maintaining its strong market positions across all business segments.
Strategic Profile
Pro stress-test →Cembra is executing its 2022-2026 strategy focusing on operational excellence, business acceleration, and cultural transformation, transforming its regional network into five full-service hubs and simplifying its technology infrastructure. The bank is leaning on cost control, capital strength and selective growth to offset regulatory and cyclical headwinds.
Competitive Landscape
Pro stress-test →Cembra maintains strong market positions across all business segments as a Swiss consumer finance specialist. The company competes in Swiss consumer finance with regional and digital-focused competitors. Cembra has maintained market share in personal loans and regularly adjusts underwriting procedures based on macroeconomic conditions while focusing on profitable growth.
Industry Context
Cembra Money Bank AG operates in Consumer Finance / Banking.
Key facts
Founded: 1912 · Headquarters: Zurich, Switzerland · Revenue: CHF 542 million (2025)