Our progress in the area of 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.
Environmental stewardship
We use resources sustainably and constantly seek to minimise our negative impact on the environment and on the climate. In 2025, we further reduced our Scope 1+2 emissions and we achieved the 75% reduction target (basis: 2019), through a lower number of cars with traditional engines in the own car fleet, as well as further reductions in carbon emissions from heating at 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
Our last internal equal pay analysis 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 in 2024.
Community engagement
In 2025, we continued our community engagement activities. We launched an employee-driven initiative “Cembra Cares” that helps foster an inclusive, healthy, and sustainable working environment. It actively supports our goals in the areas of company culture, health, and social and environmental engagement.
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 is a provider in financing mobility, with electric vehicles expected to represent a growing proportion of vehicles in Switzerland in the long term.
Great Place to Work
We measure the satisfaction and engagement of our employees every two years. The 2024 survey, completed by 80% of our employees, resulted in a trust index of 72% (2022: 71%). In 2025, Cembra was again certified as one of Switzerland’s Best Workplaces.
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 2025, MSCI ESG Research reaffirmed its AAA rating and Morningstar Sustainalytics confirmed Cembra’s “Low ESG Risk” rating. For the first time, ISS upgraded Cembra’s Corporate ESG Rating to “PRIME” in October 2025.
Customer satisfaction
The net promoter score (NPS) is one of the most important indicators of customer satisfaction. In 2025, Cembra’s NPS as measured on a continued basis came to +19 (2024: +23) on a scale of –100 to +100. The negative trend was influenced by increased inbound calls during the roll-out of the new leasing platform in the first half, and the score rebounded in the second half of 2025. Our aim is to achieve an NPS of at least +30 in the mid term through ongoing and planned action and 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.