Annual Report 2025

CEO insights

Holger Laubenthal, CEO

“We continued to make tangible progress in our strategic transformation.”

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Dividend

CHF 5.60

dividend per share (including extraordinary dividend of CHF 1.00 per share)

monitoring

Tier 1 capital ratio

17.6%

percent

Return on equity

13.7%

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Cards

1,035,000

number of credit cards issued by Cembra

group

Employees

>800

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

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Car dealers

3,400

car dealers across Switzerland are served by our 22 sales area managers

Focus

True to our value of “customer obsession”, we focus our actions consistently on the needs of our customers. We continuously develop our products and services and drive forward digitalisation in a targeted manner in order to strengthen the customer experience in a sustainable way. In doing so, we create long-term added value for our customers and our partners.

Our progress in the area of sustainability

Sustainability

Ensuring sustainability remained an important pillar of our strategy and actions throughout 2025. Cembra focuses on the following five main sustainability themes: customer orientation, quality and integrity of products and services, people and development, environmental stewardship and business integrity.

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Senior Leadership Team

Senior Leadership Team as of 31 December 2025, from left: Peter Schnellmann (Business Unit Leader Lending), Christian Stolz (Business Unit Leader Payments), Alona Eiduka (Chief Operating Officer), Annekathrin Krügel-Falkenberg (Head People and Culture), Holger Laubenthal (Chief Executive Officer), Pascal Perritaz (Chief Financial Officer until 28 February 2026), Volker Gloe (Chief Risk Officer), Eric Anliker (General Counsel), Sandra Babylon (Chief Technology Officer) and Bernardo de Barros Franco (Chief Customer & Growth Officer)

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