{
 "as_of": "2026-11-06",
 "cmr": "ch-cm-kg/SIX/CMBN",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# CEMBRA MONEY BANK N (SIX: CMBN) — research page\n\nAs of 2026-11-06 · ch-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is CEMBRA MONEY BANK N, listed on SIX under ticker CMBN, with ISIN CH0225173167 and LEI 549300ZDHOETLAIVTE82. Its security type is Corporate and its jurisdiction is Switzerland (Zefix-registered corporation). Its segment is not on the record, and its sector is not on the record, as the SIX feed returns an empty ICB industry for this line. The issuer is listed and not halted.\n\n## The disclosure read\n\nThe record holds 15 filings in the twelve months to 2026-11-06, across 14 filing days. Of these, 9 are register mutations, 5 are corporate news and 1 is ad hoc. The median gap between filing days is 21 days. The latest filing is dated 2026-11-03, is of type corporate news, and falls 3 days before the record date. On SIX, the median cadence gap is 29.5 days across 607 issuers, the median filings count is 0 and the median latency is 14 days. Sector peer figures are not on the record for CH.\n\n## Auditor\n\nThe auditor of record is KPMG AG. The auditor's location is not on the record. Auditor changes are not on the record, as this register has no lifecycle type map yet.\n\n## Events and halts\n\nListing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The issuer is listed and not halted.\n\n## Orderability\n\nUnder rule version acm-68000/ch/finsa-product-duties/r1, with the chapter as of 2026-11-04, the signal is ACM-200 for each of the client categories Privatkundinnen und -kunden, professionelle Kunden and institutionelle Kunden, and the outcome is determinable in each case.\n\n## Coverage\n\nThe field has not been read.\n\n## Open research\n\nThe field has not been read.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe vintage is not sealed. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record start date is not on the record.\n\n## Sources\n\n8 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (identity.exchange)\n- https://www.zefix.ch/en/search/entity/list?name=CEMBRA%20MONEY%20BANK (identity.jurisdiction)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.ch-cm-kg.ai/events/SIX/CMBN (the disclosure lines)\n- https://www.ser-ag.com/sheldon/official_notices/v2/find.json ; https://www.bxswiss.com/suspensions (the halt flag)\n- https://cembra.ch/assets/cembra/investor-relation/berichte-und-praesentationen/finanzberichte/geschaeftsbericht-2025-en.pdf (the auditor)\n- https://mcp.ch-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://mcp.ch-cm-kg.ai/record/SIX/CMBN (the record)\n",
 "market": "CH",
 "node": "ch-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": null,
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "the CH vintage is not sealed; the record is the live record as of 2026-11-06",
   "record_version": 1,
   "sealed": false
  },
  "auditor": {
   "auditor": {
    "read_by": "read by ChatGPT (batch)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://cembra.ch/assets/cembra/investor-relation/berichte-und-praesentationen/finanzberichte/geschaeftsbericht-2025-en.pdf",
    "state": "filled",
    "value": "KPMG AG"
   },
   "auditor_firm_id": {
    "market": "CH",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "CH",
    "state": "not_on_record"
   },
   "changes": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "cmr": "ch-cm-kg/SIX/CMBN",
  "coverage": {
   "note": "the coverage field has not been read for this issuer",
   "state": "not_read"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 607,
     "median_cadence_gap_days": 29.5,
     "median_filings": 0,
     "median_latency_days": 14,
     "name": "SIX"
    },
    "sector": {
     "market": "CH",
     "state": "not_on_record"
    }
   },
   "by_type": {
    "ad_hoc": 1,
    "corporate_news": 5,
    "register_mutation": 9
   },
   "cadence_median_gap_days": 21,
   "filing_days": 14,
   "filings": 15,
   "latency_days": 3,
   "latest": [
    {
     "category": "corporate",
     "date": "2026-11-03",
     "source": "https://www.eqs-news.com/news/corporate/cembra-completes-acquisition-of-santanders-swiss-auto-financing-business-as-planned/d41e1476-25a8-43d6-aade-8a5096aae408_en",
     "title": "Cembra completes acquisition of Santander's Swiss auto financing business as planned | Corporate - EQS News",
     "type": "corporate_news"
    },
    {
     "category": "corporate",
     "date": "2026-11-03",
     "source": "https://www.eqs-news.com/de/news/corporate/cembra-schliesst-uebernahme-des-schweizer-fahrzeugfinanzierungsgeschaefts-von-santander-wie-geplant-ab/d41e1476-25a8-43d6-aade-8a5096aae408_de",
     "title": "Cembra schliesst Übernahme des Schweizer Fahrzeugfinanzierungsgeschäfts von Santander wie geplant ab | Corporate - EQS News",
     "type": "corporate_news"
    },
    {
     "category": "HR02",
     "date": "2026-11-02",
     "source": "https://www.shab.ch/#!/search/publications/detail/8ada9efc-c7ac-45c2-bb59-b6fcc47c3848",
     "title": "HR02 Change Cembra Money Bank AG, Zürich",
     "type": "register_mutation"
    },
    {
     "category": "HR02",
     "date": "2026-10-07",
     "source": "https://www.shab.ch/#!/search/publications/detail/ad05791b-9ec8-4bcd-8c7e-d6ec9414b2c3",
     "title": "HR02 Change Cembra Money Bank AG, Zürich",
     "type": "register_mutation"
    },
    {
     "category": "HR02",
     "date": "2026-09-30",
     "source": "https://www.shab.ch/#!/search/publications/detail/6dd265db-524d-491b-b7a5-f2616cf2da27",
     "title": "HR02 Change Pensionskasse Cembra, Zürich",
     "type": "register_mutation"
    }
   ],
   "latest_filing_date": "2026-11-03",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.ch-cm-kg.ai/events/SIX/CMBN",
   "window": {
    "from": "2025-11-06",
    "to": "2026-11-06"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "SIX Swiss Exchange share explorer feed (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (feed six-group.com/fqs/ref.json, PortalSegment=EQ)",
    "state": "sourced",
    "value": "SIX"
   },
   "isin": {
    "read_by": "SIX Swiss Exchange share explorer feed (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (feed six-group.com/fqs/ref.json, PortalSegment=EQ)",
    "state": "confirmed",
    "value": "CH0225173167"
   },
   "jurisdiction": {
    "read_by": "Zefix federal commercial register index (zefix.ch public web API, name-exact + corporation legal form) (legal form)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.zefix.ch/en/search/entity/list?name=CEMBRA%20MONEY%20BANK",
    "state": "sourced",
    "value": "Switzerland (Zefix-registered corporation)"
   },
   "lei": {
    "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-09",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN CH0225173167)",
    "state": "sourced",
    "value": "549300ZDHOETLAIVTE82"
   },
   "name": {
    "read_by": "SIX Swiss Exchange share explorer feed (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (feed six-group.com/fqs/ref.json, PortalSegment=EQ)",
    "state": "sourced",
    "value": "CEMBRA MONEY BANK N"
   },
   "sector": {
    "market": "CH",
    "reason": "the SIX feed returns an empty ICB industry for this line",
    "state": "not_on_record"
   },
   "security_type": {
    "read_by": "SIX Swiss Exchange share explorer feed (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (feed six-group.com/fqs/ref.json, PortalSegment=EQ)",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "CH",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "SIX Swiss Exchange share explorer feed (exchange list)",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html (feed six-group.com/fqs/ref.json, PortalSegment=EQ)",
    "state": "sourced",
    "value": "CMBN"
   },
   "website": {
    "market": "CH",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "domicile_change": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "listing": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "name_change": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "segment_move": {
    "market": "CH",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "market": "CH",
  "node": "ch-cm-kg",
  "numbers_hash": "sha256:31e919bdcde757d4bdc07e37c233559fcc79c32d8bf56d0a9a8e8407de3146c5",
  "open_research": {
   "rows": [],
   "state": "not_read"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [
    "Privatkundinnen und -kunden",
    "professionelle Kunden",
    "institutionelle Kunden"
   ],
   "outcomes": {
    "Privatkundinnen und -kunden": {
     "determinable": true,
     "signal": "ACM-200"
    },
    "institutionelle Kunden": {
     "determinable": true,
     "signal": "ACM-200"
    },
    "professionelle Kunden": {
     "determinable": true,
     "signal": "ACM-200"
    }
   },
   "read": {
    "basis": "one live read per instrument class, halt state and client category on this market; this issuer's group",
    "chapter": "https://mcp.ch-cm-kg.ai/book/aio.json",
    "door": "https://mcp.ch-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "rule_version": "acm-68000/ch/finsa-product-duties/r1",
   "section": "ch.aio.v8"
  },
  "record": {
   "as_of": "2026-11-06",
   "url": "https://mcp.ch-cm-kg.ai/record/SIX/CMBN",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-09",
   "source": "https://www.ser-ag.com/sheldon/official_notices/v2/find.json ; https://www.bxswiss.com/suspensions",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:31e919bdcde757d4bdc07e37c233559fcc79c32d8bf56d0a9a8e8407de3146c5",
 "path": "/ch/SIX/CMBN",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is CEMBRA MONEY BANK N, listed on SIX under ticker CMBN, with ISIN CH0225173167 and LEI 549300ZDHOETLAIVTE82. Its security type is Corporate and its jurisdiction is Switzerland (Zefix-registered corporation). Its segment is not on the record, and its sector is not on the record, as the SIX feed returns an empty ICB industry for this line. The issuer is listed and not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 15 filings in the twelve months to 2026-11-06, across 14 filing days. Of these, 9 are register mutations, 5 are corporate news and 1 is ad hoc. The median gap between filing days is 21 days. The latest filing is dated 2026-11-03, is of type corporate news, and falls 3 days before the record date. On SIX, the median cadence gap is 29.5 days across 607 issuers, the median filings count is 0 and the median latency is 14 days. Sector peer figures are not on the record for CH.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record is KPMG AG. The auditor's location is not on the record. Auditor changes are not on the record, as this register has no lifecycle type map yet.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "Listing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The issuer is listed and not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "Under rule version acm-68000/ch/finsa-product-duties/r1, with the chapter as of 2026-11-04, the signal is ACM-200 for each of the client categories Privatkundinnen und -kunden, professionelle Kunden and institutionelle Kunden, and the outcome is determinable in each case.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The field has not been read.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "The field has not been read.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The vintage is not sealed. No issuer years are sealed, the market's earliest sealed date is not on the record, and the live record start date is not on the record.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "8 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.six-group.com/en/products-services/the-swiss-stock-exchange/market-data/shares/share-explorer.html"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://www.zefix.ch/en/search/entity/list?name=CEMBRA%20MONEY%20BANK"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.ch-cm-kg.ai/events/SIX/CMBN"
  },
  {
   "for": "the halt flag",
   "source": "https://www.ser-ag.com/sheldon/official_notices/v2/find.json ; https://www.bxswiss.com/suspensions"
  },
  {
   "for": "the auditor",
   "source": "https://cembra.ch/assets/cembra/investor-relation/berichte-und-praesentationen/finanzberichte/geschaeftsbericht-2025-en.pdf"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.ch-cm-kg.ai/book/aio.json"
  },
  {
   "for": "the record",
   "source": "https://mcp.ch-cm-kg.ai/record/SIX/CMBN"
  }
 ],
 "title": "CEMBRA MONEY BANK N (CMBN) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}