Cembra Money Bank : GRI content index 2021

GRI Content Index 2021

References

The Cembra Annual Report 2021 ("AR 2021", including the Sustainability Report 2021) is available at www.cembra.ch/financialreports. This GRI Content Index 2021 and all other sustainability-related disclosures are available at www.cembra.ch/sustainability.

Materiality Matrix

The materiality matrix is disclosed in AR 2021, p 32.

GRI-Overview

No changes were made to the company's most relevant sustainability themes in 2021.

Material Topic	Description	GRI Standard
Customer orientation	∙	Responsible products and	Additional disclosures: Customer
	∙	services	orientation (AR 2021 p 35-36)
	Customer satisfaction
Quality and integrity of products	∙	Product safety	GRI 417 Marketing and Labelling
and services	∙	Responsible treatment of
		customers
	∙	Access to finance
People and development	∙	Recruitment	GRI 401 Employment
	∙	Education and development	GRI 404 Training and Education
	∙	Work-life balance and health	GRI 405 Diversity and Equal
	∙	promotion	Opportunity
	Diversity management
	∙ Corporate culture and values
Environmental stewardship	∙	Environmental management	GRI 302 Energy
		of Cembra's operations, incl.	GRI 303 Water
	∙	energy and emissions	GRI 305 Emissions
	Vehicle financing (product
		offering)
Business integrity	∙	Compliance with laws and	GRI 205 Anti-corruption
	∙	regulations	GRI 418 Customer Privacy
	Governance and risk
		management practices
	∙	Ethical business conduct
	∙ Privacy and data security

Cembra Money Bank AG - Bändliweg 20 - CH-8048 Zurich - Tel. [phone] - www.cembra.ch

General Disclosures

Number	Description	Additional content, references, or reasons
		for omission
Organisational Profile (2016)
102-1	a. Name of the organisation.	Cembra Money Bank AG (Cembra)
102-2	a. A description of the organisation's activities.	Cembra is a leading Swiss provider of
		financing solutions and services. For details
		see AR 2021 p 5
	b. Primary brands, products, and services,	AR 2021 p 5 (About Cembra)
	including an explanation of any products or	AR 2021 p 68-69 (Group structure and
	services that are banned in certain markets.	shareholders)
102-3	a. Location of the organisation's headquarters.	Cembra Money Bank AG
		Bändliweg 20
		CH-8048 Zürich
102-4	a. Number of countries where the organisation	Cembra has operations in Switzerland only.
	operates, and the names of countries where it
	has significant operations and/or that are
	relevant to the topics covered in the report.
102-5	a. Nature of ownership and legal form.	Public limited company
		For details see AR 2021 p 68-70 (Group
		structure and shareholders)
102-6	a. Markets served, including:	i. Switzerland
	i. geographic locations where products and	ii. all sectors served
	services are offered;	iii. private and corporate customers
	ii. sectors served;	For details see AR 2021 p 5 (About Cembra)
	iii. types of customers and beneficiaries.
102-7	a. Scale of the organisation, including:	i. AR 2021 p 3 (Key figures and profile)
	i. total number of employees;	ii. AR 2021 p 68-70 (Group Structure)
	ii. total number of operations;	iii. AR 2021 p 118 (Financial Report)
	iii. net sales (for private sector organisations) or	iv. AR 2021 p 123 (Financial Report)
	net revenues (for public sector organisations);	v. AR 2021 p 11-16 (Product markets)
	iv. total capitalization (for private sector
	organisations) broken down in terms of debt and
	equity;
	v. quantity of products or services provided.
102-8	a. Total number of employees by employment	AR 2021 p 42 and 49 (People and
	contract (permanent and temporary), by gender.	development)
		Approximately 2% of all employees have a
		temporary contract; see Annex to
		Sustainability Report 2021 section 5
	b. Total number of employees by employment	Since Cembra operates in Switzerland only
	contract (permanent and temporary), by region.	employee indicators are not broken down
		into regions.
	c. Total number of employees by employment	AR 2021 p 47 (People and development)
	type (full-time and part-time), by gender.	and Annex to Sustainability Report 2021,
		section 5

Cembra Money Bank AG - Bändliweg 20 - CH-8048 Zurich - Tel. [phone] - www.cembra.ch

	d. Whether a significant portion of the	The vast majority of workers are employees
	organisation's activities are performed by	of Cembra. In 2021, temporary workers
	workers who are not employees. If applicable, a	from agencies accounted for 2% (2020: 2%)
	description of the nature and scale of work	of the workforce. See AR 2021 p 42.
	performed by workers who are not employees.
	e. Any significant variations in the numbers	Being active in the financial sector, there
	reported in Disclosures 102-8-a,102-8-b, and	are no seasonal variations in employee
	102-8-c (such as seasonal variations in the	numbers at Cembra.
	tourism or agricultural industries).
	f. An explanation of how the data have been	Employment data is managed in a
	compiled, including any assumptions made.	centralised system by the Human Resources
		Department. The data reported is valid as of
		31.12.2021 including all registered
		mutations at this point of time. No
		assumptions were made.
102-9	a. A description of the organisation's supply	AR 2021 p 5 (About Cembra)
	chain, including its main elements as they relate	AR 2021 p 57-60 (Business integrity)
	to the organisation's activities, primary brands,
	products, and services.
102-10	a. Significant changes to the organisation's size,	i. AR 2021 p 9: On 23 August 2021, we
	structure, ownership, or supply chain, including:	announced that after a successful 15-year
	i. Changes in the location of, or changes in,	partnership, Cembra and Migros would
	operations, including facility openings, closings,	terminate their cooperation agreement for
	and expansions;	the Cumulus-Mastercard credit
	ii. Changes in the share capital structure and	card as of June 2022.
	other capital formation, maintenance, and	ii. none
	alteration operations (for private sector	iii. none
	organisations);
	iii. Changes in the location of suppliers, the	For further details see AR 2021 p 9
	structure of the supply chain, or relationships	(Significant developments) and p 68-69
	with suppliers, including selection and	(Group Structure and shareholders)
	termination.
102-11	a. Whether and how the organisation applies the	AR 2021 p 42-50 (People and development),
	Precautionary Principle or approach.	AR 2021 p 51-53 (Environmental
		stewardship), AR 2021 p 54-62 (Business
		integrity)
102-12	a. A list of externally-developed economic,	Principles for responsible lending in
	environmental and social charters, principles, or	Switzerland
	other initiatives to which the organisation	Marketing convention for consumer credit
	subscribes, or which it endorses.	in Switzerland
		Marketing convention for credit cards in
		Switzerland
		Energy Agency of the Swiss Private Sector
		(EnAW)
		United Nations Global Compact
		For details see AR 2021 p 31 (Our approach
		to sustainability), p 38 (Marketing and

Cembra Money Bank AG - Bändliweg 20 - CH-8048 Zurich - Tel. [phone] - www.cembra.ch

		sales), p 39 (Customer information) and p
		52 (Energy Agency)
102-13	a. A list of the main memberships of industry or	Swiss Banking Association
	other associations, and national or international	Economisuisse
	advocacy organisations.	Konsumfinanzierung Schweiz
		Leasing Association
Strategy (2016)
102-14	a. A statement from the most senior decision-	AR 2021 p 29 (Letter from the Chairman)
	maker of the organisation (such as CEO, chair, or
	equivalent senior position) about the relevance
	of sustainability to the organisation and its
	strategy for addressing sustainability.
Ethics and integrity (2016)
102-16	a. A description of the organisation's values,	AR 2021 p 30-34 (Our approach to
	principles, standards, and norms of behaviour.	sustainability)
		AR 2021 p 54-62 (Business integrity)
		Code of Conduct (available at
		www.cembra.ch/governanceunder
		"Regulations")
Governance (2016)
102-18	a. Governance structure of the organisation,	AR 2021 p 68 (Structure), p 82-86
	including committees of the highest governance
	body.
	b. Committees responsible for decision-making	Committees of the Board of Directors:
	on economic, environmental, and social topics.	- Audit and Risk Committee,
		- Compensation and Nomination Committee
		Committee on Management Level:
		- Sustainability Committee (since 2020). See
		AR 2021 p 31
Stakeholder engagement (2016)
102-40	a. A list of stakeholder groups engaged by the	See AR 2021 p 32 (Our approach to
	organisation.	sustainability).
		The Group's most relevant stakeholders are
		defined as customers, employees,
		shareholders, business-related associations
		and authorities, and non-governmental
		organisations.
102-41	a. Percentage of total employees covered by	There is no collective bargaining agreement
	collective bargaining agreements.	in place and Cembra does not evaluate
		employees' membership in trade unions.
		For details see Annex to Sustainability
		Report 2021 section 5

Cembra Money Bank AG - Bändliweg 20 - CH-8048 Zurich - Tel. [phone] - www.cembra.ch

102-42	a. The basis for identifying and selecting	Cembra engaged primarily with
	stakeholders with whom to engage.	stakeholders who are influenced by its
		operations or who have relevant impacts on
		the company.
102-43	a. The organisation's approach to stakeholder	AR 2021 p 30 (Our approach to
	engagement, including frequency of engagement	sustainability)
	by type and by stakeholder group, and an	AR 2021 p 35-36 (Customer orientation,
	indication of whether any of the engagement was	regular NPS assessments, Customer
	undertaken specifically as part of the report	complaints process and related figures)
	preparation process.	AR 2021 p 43-44 (People and development,
		Human resources management)
		Code of Conduct (Customer complaints,
		available atwww.cembra.ch/governance
		under "Regulations")
		AR 2021 p 6 (Annual General Meeting)
102-44	a. Key topics and concerns that have been raised	The last in-depth and formal stakeholder
	through stakeholder engagement, including:	engagement took place in H2 2020. See AR
	i. how the organisation has responded to those	2021 p 30-34 (Our approach to
	key topics and concerns, including through its	sustainability)
	reporting;	i. Renewed stakeholder engagement in AR
	ii. the stakeholder groups that raised each of the	2020, p 31
	key topics and concerns.	ii. Comment on materiality matrix AR 2021,
		p 31
Reporting practice (2016)
102-45	a. A list of all entities included in the	AR 2021 p 69 (Group Structure and
	organisation's consolidated financial statements	shareholders)
	or equivalent documents.
	b. Whether any entity included in the	AR 2021 p 31 (Coverage and reporting
	organisation's consolidated financial statements	boundaries), and p 42 (coverage of
	or equivalent documents is not covered by the	employee data)
	report.
102-46	a. An explanation of the process for defining the	AR 2021 p 32-33 (Our approach to
	report content and the topic Boundaries.	sustainability)
	b. An explanation of how the organisation has	AR 2021 p 32-33 (Our approach to
	implemented the Reporting Principles for	sustainability)
	defining report content.
102-47	a. A list of the material topics identified in the	AR 2021 p 33 (Our approach to
	process for defining report content.	sustainability)
102-48	a. The effect of any restatements of information	AR 2021 p 52 (Coverage and boundaries)
	given in previous reports, and the reasons for
	such restatements.
102-49	a. Significant changes from previous reporting	AR 2021 p 32-33 (Our approach to
	periods in the list of material topics and topic	sustainability)
	Boundaries.
102-50	a. Reporting period for the information provided.	1 January 2021 - 31 December 2021

Cembra Money Bank AG - Bändliweg 20 - CH-8048 Zurich - Tel. [phone] - www.cembra.ch