Cembra Money Bank AG (SWX:CMBN)

Cembra Money Bank AG Income Statement

Financials in millions CHF. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	464.49	485.73	422.13	385.56	382.7
Interest Paid on Deposits	92.33	105.25	74.91	29.39	26.03
Net Interest Income	372.16	380.48	347.22	356.17	356.67
Net Interest Income Growth (YoY)	-2.19%	9.58%	-2.51%	-0.14%	-4.88%
Other Non-Interest Income	170.03	169.98	168.47	152.69	130.35
Total Non-Interest Income	170.03	169.98	168.47	152.69	130.35
Non-Interest Income Growth (YoY)	0.03%	0.90%	10.34%	17.14%	6.61%
Revenues Before Loan Losses	542.19	550.46	515.69	508.86	487.02
Provision for Loan Losses	73.58	74.15	56.91	40.93	40.28
Revenue	468.62	476.3	458.78	467.93	446.74
Revenue Growth (YoY)	-1.61%	3.82%	-1.95%	4.74%	1.34%
Salaries and Employee Benefits	119.2	133.37	136.38	135.02	132.11
Selling, General & Administrative	126.03	131.16	126.23	122.44	114.14
Other Non-Interest Expense	0	0	-0	0	0
Total Non-Interest Expense	245.23	264.52	262.61	257.46	246.26
EBT Excluding Unusual Items	223.38	211.78	196.17	210.47	200.48
Pretax Income	223.38	211.78	196.17	210.47	200.48
Income Tax Expense	43.82	41.38	38.14	41.17	38.99
Net Income	179.57	170.4	158.03	169.3	161.5
Net Income to Common	179.57	170.4	158.03	169.3	161.5
Net Income Growth	5.38%	7.82%	-6.65%	4.83%	5.61%
Basic Shares Outstanding	29	29	29	29	29
Diluted Shares Outstanding	29	29	29	29	29
Shares Change (YoY)	0.01%	0.01%	-0.01%	-0.07%	-0.01%
EPS (Basic)	6.13	5.81	5.39	5.77	5.50
EPS (Diluted)	6.11	5.80	5.38	5.76	5.49
EPS Growth	5.34%	7.81%	-6.60%	4.92%	5.58%
Dividend Per Share	-	4.250	4.000	3.950	3.850
Dividend Growth	-	6.25%	1.27%	2.60%	2.67%
Effective Tax Rate	19.61%	19.54%	19.44%	19.56%	19.45%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.