VIVIBANCA S.P.A.

VIVIBANCA S.P.A. is an Italian bank focused on consumer credit, with a core specialization in salary- and pension-backed loans (cessione del quinto) and delegation-of-payment loans, alongside unsecured personal loans distributed through agents, brokers, affiliated intermediaries and direct channels. These products target employees and pensioners, with repayment typically via payroll or pension deduction up to one fifth of net income, standard durations that can extend to 120 months, and compulsory insurance; underwriting involves verification with employers or pension authorities. Pricing, pre-contractual information and creditworthiness assessments are governed by Italian and EU consumer credit rules, including usury thresholds published by the Ministry of Economy and Finance and transparency provisions from the Bank of Italy. The bank funds its lending through a mix of wholesale sources and retail funding; eligible deposits, if offered, are protected by the Italian deposit guarantee scheme (FITD) up to €100,000 per depositor per bank. Early repayment entails a proportional refund of certain costs in accordance with applicable Italian law and subsequent regulatory guidance following the Lexitor ruling. Complaints are handled through the bank’s internal process and may be escalated to the Arbitro Bancario Finanziario. VIVIBANCA S.P.A. operates under the prudential supervision of the Bank of Italy within the EU CRR/CRD framework and must comply with capital, liquidity and reporting requirements. The business model is concentrated in the salary-backed loan segment, which is sensitive to credit performance, distribution-partner execution and regulatory changes; prospective customers should review the total cost of credit, insurance terms, employer consent procedures and early repayment conditions before signing.