Proven strengths coupled with innovation

Reimagining Cembra

We are proud to be a leading provider and preferred partner for flexible and reliable financing solutions that move people forward. We operate in an attractive market with continued robust demand for consumer finance products. As digitisation increases, our customers’ needs and expectations are changing. We are taking this onboard and have realigned our strategy accordingly.
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Cembra’s DNA

Cembra’s DNA is our fundamental strength: our engagement, expertise and values are based on decades of experience.
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Customer Focus

Going forward, we intend to be even closer to our customers as we shift from a product-centric to a customer-centric approach.
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We are significantly simplifying our operating model. In this way, we promote efficient and scalable processes and create services that adapt to customer needs even more easily and flexibly.
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Digital Customer Journey

Digitising our business model will enable us to significantly improve the customer experience and provide seamless interaction across digital solutions.
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Cultural Transformation

We are reimagining Cembra together with our employees. With our cultural transformation we are fostering a customer-first mindset and creating an agile and learning-oriented organisation.
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CHF 1,993,500,000

was the market capitalisation of Cembra at the end of 2021


credit card transactions were processed by Cembra in 2021


customers have chosen Cembra as their preferred partner


employees from 43 different countries work for Cembra


sales area managers serve around 4,000 car dealers across Switzerland

CHF 3.85

is the dividend per share recommended at the Annual General Meeting