Cembra Achieves 5% Net Income Growth in 2025

Cembra Money Bank AG announced a 5% increase in net income, reaching CHF 180 million in 2025. This growth is attributed to vehicle financing expansion and cost-saving measures. Despite a 1% decrease in net financing receivables to CHF 6.6 billion, and a 2% reduction in net revenues to CHF 542 million, the bank maintained a healthy net interest margin of 5.5%.

The cost/income ratio showed significant improvement, declining to 45.2% from 48.1% in the previous year. This was achieved through operational efficiency efforts. The return on equity rose slightly to 13.7%. An ordinary dividend of CHF 4.60 per share, alongside an extraordinary dividend of CHF 1.00, was proposed due to robust financial performance.

The bank's CEO, Holger Laubenthal, highlighted strategy as crucial to this progress. The outlook for 2026 is optimistic, with expectations of further income and ROE increases. Christoph Glaser will assume the role of CFO, succeeding Pascal Perritaz.