Born out of the merger between TerFinance and Credito Salernitano, ViViBanca is a new national company specializing in credit to households through the provision of lending against the sale of the fifth and the supply of major banking products. Clear, simple, innovative and Italian, inspired by the life and desires of people who believe in the future, ViViBanca has been designed to offer simple solutions and immediate responses, both for financial needs and for saving management as an open bank , Thanks to on-line services and an extensive structure throughout the national territory. ViViBanca operates with the facilities and professionalism of the two companies from which it has been established through 2 branches, 80 employees, 70 agents, 700 affiliated banks and on-line banks through dedicated Internet Banking services. In terms of the solidity ratios, exceeding the limits imposed by the European Central Bank, ViViBanca has a net equity of 31.6 million euros, a CET1 ratio of 18.88% and a total capital ratio of 20.39%. More information is available at www.vivibanca.it.