Annual Report 2024
Annual Report 2024
CEO Interview

CEO Interview

Holger Laubenthal, CEO

“2024 was a turning point in our transformation, marked by strong results.”

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Dividend per share

CHF 4.25

monitoring

Tier 1 capital ratio

17.9%

percent

Return on equity

13.4%

credit_card

Cards

1,031,000

Number of credit cards issued by Cembra

group

Employees

>850

Employees from about 40 different countries work for Cembra

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Customers

>2,000,000

Customers across our business lines Lending and Payments

Focus

Our values – our success stories

Since the introduction of our “Reimagine Cembra” strategy for the years 2022–2026, we have made significant progress towards achieving our goals. Our values form the basis for our success. They are not only our guiding principles that influence our daily decisions and actions, but also the driving force that keeps us focused on our customers’ needs every day. By living our values at Cembra, we drive things forward. This is illustrated by the following four success stories from the 2024 financial year.

Sustainability

Our progress in the area of sustainability

Sustainability

Ensuring sustainability remains an important part of our strategy. In 2024, we continued to foster sustainability and responsible behaviour throughout the organisation. Our five main sustainability goals are: customer orientation, responsible financing, employees and their development, environmental stewardship and business integrity.

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Senior Leadership Team

SLT 2024

Senior Leadership Team as of 31 December 2024, from left: Peter Schnellmann (Business Unit Leader Lending), Alona Eiduka (Chief Operating Officer), Annekathrin Krügel-Falkenberg (Head People and Culture), Holger Laubenthal (Chief Executive Officer), Pascal Perritaz (Chief Financial Officer), Volker Gloe (Chief Risk Officer), Eric Anliker (General Counsel), Sandra Babylon (Chief Technology Officer) and Christian Stolz (Business Unit Leader Payments).