Sustainability

At Cembra we generate long-term value, by actively considering the interests and expectations of our most relevant stakeholders, by fostering responsible behaviour and practices and by actively contributing to a more sustainable future. We are aware of the impact of our activities and of our responsibilities towards our customers, business partners, regulators, shareholders, employees and communities. In this way, we always aim to adhere to high responsibility standards from an economic, legal, social, environmental and ethical perspective. As a forward-looking business partner, we share our expertise and innovation capacity in order to develop demand-based and reliable financing solutions.

The following documents describe our progress in the area of sustainability:

• picture_as_pdf Our sustainability performance at a glance (PDF)

• picture_as_pdf Sustainability Report 2023 (PDF)

• picture_as_pdf Annex to Sustainability Report 2023 (PDF)

• picture_as_pdf Annex to Sustainability Report 2023 – update June 2024 (PDF)

• picture_as_pdf GRI content index 2023 (PDF)

The following documents and links provide further information:

• picture_as_pdf Our sustainability aspiration (PDF)

• Regulations and principles of Cembra

• picture_as_pdf Business partners principles of conduct

• Principles for responsible lending (available in French and German)

• Marketing convention for consumer credit in Switzerland (available in French and German)

• picture_as_pdf Marketing convention for credit cards in Switzerland (available in German)

• picture_as_pdf Information for young adults (available in German)

• picture_as_pdf Tax policy statement (September 2022)

• Archive

Cembra has been assigned several sustainability ratings and is regularly being assessed by major sustainability agencies.

• In May 2024, Sustainalytics confirmed their “Low ESG risk” rating on Cembra with a Score of 14.3. Cembra ranks in the Top 8% of all companies in the category diversified financials

• In September 2024, S&P Global’s Corporate Sustainability Assessment score for Cembra decreased to 41 points (2023: 45 points), and Cembra ranks in the Top 20% (2022: Top 10%) of companies in the peer group by S&P Global

• In May 2024, MSCI ESG confirmed the AAA rating on Cembra. Cembra ranks best in the worldwide MSCI ESG listed consumer finance peer group

Since 2020, Cembra is a participant of the UN Global Compact ( www.unglobalcompact.org) ) a strategic initiative of the United Nations that commit more than 11,000 companies worldwide to aligning their business activities and strategies with 10 universally accepted principles covering human rights, labor standards, environmental protection and anti-corruption.

Please contact sustainability@cembra.ch for further information or in case of any questions.