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Cembra Money Bank (CMBN) investor relations material
Cembra Money Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary24 Jul, 2025
Executive summary
Net income rose 11% year-over-year to CHF 87.2 million, driven by efficiency gains, lower losses, and strategic transformation.
ROE increased to 13.8%, with a strong Tier 1 capital ratio of 17.7%, exceeding targets.
Revenues and assets remained stable amid selective underwriting and a softened macro environment.
Cost/income ratio improved to 47.6% from 50.4% year-over-year.
Strategic transformation, digitization, and product innovation accelerated, improving customer engagement and operational efficiency.
Financial highlights
Net revenues were CHF 267.3 million, flat year-over-year; net interest income CHF 184.3 million.
Net interest margin rose to 5.4%; commission and fee income declined 2% to CHF 83 million.
Operating expenses fell 6% to CHF 127.3 million, mainly from lower FTE and restructuring costs.
Loss rate at 0.9%, slightly better than last year and in line with targets.
Shareholders' equity at CHF 1.25 billion, down 3% due to dividend payout.
Outlook and guidance
2025 outlook confirmed: net income growth, ROE of 14–15%, and dividend of at least CHF 4.25.
Cost/income ratio targeted at or below 45% for 2025, below 39% by 2026.
Loss rate guidance maintained at around 1% for the full year.
Revenue and volume growth anticipated to accelerate in H2, supported by innovation in cards and BNPL.
Dividend policy targets sustainable growth, with increasing payouts planned.
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Next Cembra Money Bank earnings date
H2 202519 Feb, 2026
Next Cembra Money Bank earnings date
H2 202519 Feb, 2026
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Frequently asked questions
Cembra Money Bank AG is a Swiss financial institution that provides a range of consumer finance products and services. The company specializes in personal loans, vehicle financing, credit cards, and savings products for individual customers. Cembra Money Bank also offers financing solutions to small and medium-sized enterprises (SMEs). With a focus on simple and accessible financial products, the bank serves clients across Switzerland through both direct and digital channels, as well as partnerships with retailers and other financial institutions. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
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