Claims

Bank assertions categorised by identity / safety / digital / convenience / esg / media. Every claim has source and a verifiable flag (1 = independently verifiable, 0 = self-reported).

Data license: CC-BY-4.0 · Data source: bankproducts.info

8 rows where bank_id = "cembra" sorted by bank_id

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Suggested facets: category, claim_value, source, valid_from, valid_from (date)

id bank_id ▼ product_id category claim_key claim_value display_text_de display_text_en display_text_fr source source_url verifiable valid_from valid_to
cembra:safety:credit_rating Cembra Money Bank AG cembra   safety credit_rating A- S&P A- Rating (Stand 2025).     S&P Global   1 2025-01-01  
cembra:identity:positioning Cembra Money Bank AG cembra   identity positioning Schweizer Konsumkredit-Spezialist Eigene Positionierung als fuehrender Schweizer Anbieter von Konsumkrediten, Fahrzeugfinanzierungen, Kreditkarten und Buy-now-pay-later. Marktanteile: 35% Privatkredit, 18% Leasing, 12% Kreditkarten, 30-40% BNPL.     cembra.ch / Geschaeftsbericht 2025   1 2026-01-01  
cembra:identity:listed Cembra Money Bank AG cembra   identity listed true An der SIX Swiss Exchange kotiert seit Oktober 2013 (Ticker CMBN).     SIX Swiss Exchange   1 2013-10-01  
cembra:identity:bilanzsumme Cembra Money Bank AG cembra   identity bilanzsumme_chf 7943000000 Bilanzsumme CHF 7.943 Mia. per 31.12.2025.     Cembra Geschaeftsbericht 2025   1 2025-12-31  
cembra:convenience:branches Cembra Money Bank AG cembra   convenience branches_total 5 5 Filialen in der Schweiz plus 3400+ Autohaendler-Partner.     cembra.ch   1 2026-01-01  
cembra:convenience:customer_count Cembra Money Bank AG cembra   convenience customer_count 1000000 Ca. 1 Million Kunden in der Schweiz.     cembra.ch   1 2026-01-01  
cembra:identity:cobranding_partners Cembra Money Bank AG cembra   identity cobranding_partners Migros, TCS, IKEA, Lipo, Fnac, Certo Marktanteilsfuehrerin bei Co-Branded Kreditkarten in der Schweiz mit 6+ Partner-Programmen.     cembra.ch   1 2026-01-01  
cembra:digital:online_savings Cembra Money Bank AG cembra   digital online_savings true mySavings: vollstaendig digitale Sparplattform.     apps.cembra.ch/mysavings   1 2024-01-01  

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CREATE TABLE claim (
    id              TEXT PRIMARY KEY,       -- zkb:safety:credit_rating
    bank_id         TEXT NOT NULL REFERENCES bank(id),
    product_id      TEXT,                   -- nullable: bank-level claims have no product
    category        TEXT NOT NULL,          -- safety, digital, convenience, esg, identity, media
    claim_key       TEXT NOT NULL,          -- credit_rating, staatsgarantie, apple_pay, ...
    claim_value     TEXT,                   -- AAA, true, 4.7, https://...
    display_text_de TEXT,
    display_text_en TEXT,
    display_text_fr TEXT,
    source          TEXT,                   -- "S&P Global, March 2026" or "self-reported"
    source_url      TEXT,
    verifiable      INTEGER DEFAULT 0,      -- 1 = independently verifiable, 0 = self-asserted
    valid_from      TEXT,
    valid_to        TEXT
);
CREATE INDEX idx_claim_bank ON claim(bank_id);
CREATE INDEX idx_claim_category ON claim(category);
CREATE INDEX idx_claim_key ON claim(claim_key);