Cembra Money Bank AG (CMBN) — Tangible Net Worth Ratio
Cembra Money Bank AG (CMBN) has a Tangible Net Worth Ratio of 96.8% as of June 2025. This metric is calculated by deducting intangible assets (CHF39.62 Million) from net assets (CHF1.25 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See CMBN net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Cembra Money Bank AG Tangible Net Worth Ratio (2007–2024)
This chart shows how Cembra Money Bank AG's Tangible Net Worth Ratio has changed across 17 annual periods from 2007 to 2024. As of June 2025, the ratio stands at 96.8%, reflecting net assets of CHF1.25 Billion with intangible assets of CHF39.62 Million CHF. See Cembra Money Bank AG (CMBN) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Cembra Money Bank AG (2007–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for Cembra Money Bank AG from 2007 to 2024, covering 17 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Cembra Money Bank AG stock valuation.
| Year | Tangible NW Ratio | Net Assets (CHF) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 98.9% | CHF1.29 Billion | CHF14.62 Million | CHF7.95 Billion | ▲ +1.0 pp |
| 2023 | 97.9% | CHF1.25 Billion | CHF26.53 Million | CHF8.09 Billion | ▲ +18.9 pp |
| 2022 | 79.0% | CHF1.27 Billion | CHF267.47 Million | CHF7.66 Billion | ▼ -2.1 pp |
| 2021 | 81.1% | CHF1.20 Billion | CHF226.96 Million | CHF7.10 Billion | ▲ +2.3 pp |
| 2020 | 78.8% | CHF1.13 Billion | CHF238.67 Million | CHF7.26 Billion | ▲ +1.7 pp |
| 2019 | 77.1% | CHF1.09 Billion | CHF249.85 Million | CHF7.50 Billion | ▼ -19.4 pp |
| 2018 | 96.4% | CHF933.45 Million | CHF33.15 Million | CHF5.44 Billion | ▼ -0.6 pp |
| 2017 | 97.0% | CHF885.46 Million | CHF26.40 Million | CHF5.10 Billion | ▼ -0.2 pp |
| 2016 | 97.2% | CHF848.20 Million | CHF23.38 Million | CHF4.86 Billion | ▲ +0.5 pp |
| 2015 | 96.7% | CHF799.35 Million | CHF26.37 Million | CHF4.75 Billion | ▼ -1.3 pp |
| 2014 | 98.0% | CHF842.38 Million | CHF17.12 Million | CHF4.81 Billion | ▼ -1.7 pp |
| 2013 | 99.7% | CHF799.34 Million | CHF2.28 Million | CHF4.59 Billion | ▼ -0.3 pp |
| 2012 | 100.0% | CHF1.10 Billion | CHF0.00 | CHF4.43 Billion | ▲ +0.0 pp |
| 2011 | 100.0% | CHF964.23 Million | CHF0.00 | CHF4.41 Billion | ▲ +0.0 pp |
| 2009 | 100.0% | CHF824.33 Million | CHF0.00 | CHF6.05 Billion | ▲ +0.0 pp |
| 2008 | 100.0% | CHF1.06 Billion | CHF0.00 | CHF6.18 Billion | ▲ +0.0 pp |
| 2007 | 100.0% | CHF973.71 Million | CHF0.00 | CHF6.53 Billion | — |