Cembra Money Bank AG is a Swiss consumer finance institution that provides a range of lending and savings solutions to private clients and small businesses. Originally established in late 2012 through the acquisition of Swiss Post’s consumer lending activities, the company has since been publicly listed on the SIX Swiss Exchange and trades OTC under the symbol CMBNF. The bank focuses on accessible, flexible financing while adhering to strict regulatory standards set by the Swiss Financial Market Supervisory Authority (FINMA).
The core product suite of Cembra Money Bank includes unsecured personal loans, credit cards, and leasing solutions for private individuals. Consumer loans are tailored to a variety of purposes, from home improvement to holiday expenses, and can be arranged through both digital channels and partner networks. The credit card offering includes branded and co-branded options with integrated loyalty programs. In addition, Cembra provides vehicle and equipment leasing services, enabling customers to finance new and used automobiles under competitive terms.
On the funding side, Cembra Money Bank accepts customer deposits via savings and fixed-term accounts, balancing its lending activities with a stable deposit base. Distribution is handled through a combination of direct online platforms, call-centre support and partnerships with point-of-sale retailers, automotive dealers and insurance brokers. The bank has invested in digital tools and data analytics to streamline credit assessments and enhance customer service experiences.
Headquartered in Zurich with its registered office in Bulle, Cembra Money Bank is overseen by a Board of Directors and an Executive Committee. The leadership team emphasizes prudent risk management, strong capital ratios and a customer-centric culture. Serving exclusively the Swiss market, Cembra continues to leverage its heritage in postal finance and its digital capabilities to maintain a leading position in the domestic consumer finance sector.
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