Sustainability

At Cembra we generate long-term value, by actively considering the interests and expectations of our most relevant stakeholders, by fostering responsible behaviour and practices and by actively contributing to a more sustainable future. We are aware of the impact of our activities and of our responsibilities towards our customers, business partners, regulators, shareholders, employees and communities. In this way, we always aim to adhere to high responsibility standards from an economic, legal, social, environmental and ethical perspective. As a forward-looking business partner, we share our expertise and innovation capacity in order to develop demand-based and reliable financing solutions.

The following documents describe our progress in the area of sustainability:

• Our sustainability performance at a glance (PDF)

• Sustainability Report 2023 (PDF)

• Annex to Sustainability Report 2023 (PDF)

• GRI content index 2023 (PDF)

The following documents and links provide further information:

• Our sustainability aspiration (PDF)

• Regulations and principles of Cembra

• Business partners principles of conduct

• Principles for responsible lending (available in French and German)

• Marketing convention for consumer credit in Switzerland (available in French and German)

• Marketing convention for credit cards in Switzerland (available in German)

• Information for young adults (available in German)

• Tax policy statement (September 2022)

• Archive

Cembra is included in the following sustainability indices, among others:

• In January 2023, Cembra was selected for the 2023 Bloomberg Gender Equality Index® for the third time, as one of about 400 companies worldwide. 
• Since May 2022, Cembra is a constituent of the MSCI ESG Leaders 2022 Indexes.

Cembra has been assigned several sustainability ratings and is regularly being assessed by major sustainability agencies.

• In October 2023, Sustainalytics confirmed their “Low ESG risk” rating on Cembra with a Score of 16.1. Cembra ranks in the Top 14% of all companies in the Global Universe of Sustainalytics.

• In September 2023, S&P Global’s Corporate Sustainability Assessment score for Cembra was decreased to 45 points (2022: 46 points), and Cembra ranks in the Top 10% (2021: Top 9%) of companies in the peer group by S&P Global.

• In May 2023, MSCI ESG confirmed the AAA rating on Cembra. Cembra ranks best in the worldwide MSCI ESG listed consumer finance peer group.

Since 2020, Cembra is a participant of the UN Global Compact (www.unglobalcompact.org) a strategic initiative of the United Nations that commit more than 11,000 companies worldwide to aligning their business activities and strategies with 10 universally accepted principles covering human rights, labor standards, environmental protection and anti-corruption.

Please contact sustainability@cembra.ch for further information or in case of any questions.