)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Cembra Money Bank
Cembra Money Bank (CMBN) investor relations material
Cembra Money Bank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary19 Feb, 2026
Executive summary
Net income increased by 5% to CHF 179.6–180 million, driven by efficiency gains, disciplined strategy execution, and growth in vehicle financing.
Cost savings reached CHF 19 million, supporting a cost/income ratio improvement to 45.2%.
Ordinary dividend per share increased by 8% to CHF 4.60, with an extraordinary dividend of CHF 1.00.
Transformation initiatives included technology upgrades, new product launches, and a focus on secured lending and payments.
CEO highlighted stable net interest margin and progress toward financial targets.
Financial highlights
Net revenues declined by 1–2% to CHF 542–542.2 million, with net interest income at CHF 372.2 million.
Cost/income ratio improved to 45.2% (H2: 42.9%), down from 48.1% in 2024.
Operating expenses decreased by 7% to CHF 245.2 million.
Tier 1 capital ratio at 17.6%, with ROE at 13.7%.
Loss ratio stable at 1.1%, with provisions for losses at CHF 73.6–74 million.
Outlook and guidance
2026 ROE targeted at around 15%, with net revenue and financing receivables growth in line with GDP.
Cost/income ratio expected to improve to 39–41% in 2026, with further cost reductions of CHF 15–20 million planned.
Dividend policy to grow at least in line with sustainable earnings.
Loss performance expected to remain stable at around 1%.
No significant business combinations or developments anticipated for 2026.
What is the strategic intent behind portfolio shifts?
Are 2025 cost savings sustainable for 2026?
What is the rationale for the funding portfolio shift?
Personal loans growth strategy and risk controls
Impact of operational initiatives on efficiency
Funding strategy impact on cost and flexibility
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Cembra Money Bank earnings date
H1 202623 Jul, 2026
Cembra Money Bank
Next Cembra Money Bank earnings date
H1 202623 Jul, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage