Cembra Money Bank AG Reports 11% Increase in Net Income for H1 2025

Cembra Money Bank AG announced an 11% rise in net income, reaching CHF 87.2 million, in the first half of 2025. This performance is attributed to strategic efficiency improvements and effective cost management. The bank maintained stable net revenues and financing receivables despite a softened macro environment and lower interest rates. Operating expenses decreased by 6%, reducing the cost/income ratio to 47.6%.

The return on equity stood at 13.8%, bolstered by a strong Tier 1 capital ratio of 17.7%. Cembra's strategy focuses on selective growth and profitability, particularly visible in stable assets and controlled loss performance with a rate of 0.9%.

Continued progress in digital transformation was noted, with new platform integrations and product rollouts enhancing customer offerings. The outlook for 2025 remains positive, with a projected increase in net income and sustained efficiency gains.