In 2021, we realigned our strategy to keep pace with digitalisation trends and our customers’ evolving needs and expectations. Our journey to reimagine Cembra together is well under way. 2022 was all about implementing our strategy. We are proud of our roots as a success­ful credit factory and excited about the changes we initiated or completed last year. Our four strategic pro­grammes – Operational Excellence, Business Acceleration, New Growth Opportunities and Cultural Transformation – are paving the way for a successful future. In this review, we will look at how we delivered on our promises in 2022.


We are improving the customer experience.

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We are embarking on new paths.

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We continue to grow.

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We are changing together.

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We are constantly improving.

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CHF 2,307,000,000

was the market capitalisation of Cembra at the end of 2022


credit card transactions were processed by Cembra in 2022


customers have chosen Cembra as their preferred partner


employees from 42 different countries work for Cembra


sales area managers serve around 3,700 car dealers across Switzerland

CHF 3.95

is the dividend per share proposed to the Annual General Meeting