Our progress in the area of 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.
Environmental stewardship
We use resources sustainably and constantly seek to minimise our negative impact on the environment and on the climate. In 2024, our scope 1 and 2 carbon emissions further decreased by 42%, driven by the increasing share of electric vehicles in our car fleet (2024: 82%) and by low-carbon heating at our headquarters.
Business integrity
As a responsible provider of financial solutions, we ensure the high quality and integrity of our products and services. We not only act in accordance with applicable strict regulatory requirements, but also take additional preventive measures.
Equal pay for men and women
In 2024, we performed an internal equal pay analysis. It confirmed that Cembra complies with the principle of “equal pay for work of equal value”. Based on the analysis, Cembra was awarded the “We Pay Fair” certificate by the Competence Center for Diversity and Inclusion of the University of St Gallen.
Community engagement
In 2024, we continued our long-term oriented community engagement activities. The company-wide initiative Cembra Volunteers provides all employees with the opportunity to do volunteer work.
Diversity
Cembra employs people from about 40 different countries. We value our international workforce and our employees’ different cultural backgrounds and also promote diversity in terms of gender and age.
Electromobility
Cembra finances electromobility. In 2024, the share of electric vehicles declined slightly in Switzerland. In the medium to long term, Cembra expects the share of financed electric vehicles to increase again.
Great Place to Work
We measure the satisfaction and engagement of our employees every two years. The survey, completed by 80% of our employees, resulted in a trust index of 72% (2022: 71%). Cembra was therefore certified as a Great Place to Work again in 2024.
Strong ESG ratings
Cembra actively participates in several ESG ratings by leading ESG rating agencies both in order to demonstrate the company’s sustainability performance and to learn about relevant areas of improvement. In May 2024, MSCI ESG Research confirmed their AAA rating on Cembra, and Sustainalytics included Cembra on their “Top industry leaders 2025” list for the first time.
Customer satisfaction
The net promoter score (NPS) is one of the most important indicators of customer satisfaction. In 2024, Cembra’s new NPS as measured on a continued basis came to +23 (2023: +21) on a scale of –100 to +100. The positive trend in 2024 supported our aim to achieve an NPS of at least +30 in the mid term, through ongoing and planned initiatives.
Responsible financing
The Group not only acts in accordance with strict legal requirements, but also takes additional preventive measures in the interest of both customers and the bank.