CCNL per i lavoratori dipendenti dalle aziende di credito (ABI)¶

bancari-abi/inps_credit_rate_unverified · inps_employer · impact unknown · open

INPS employer_rate 26.76% flat from kitech.it (Credito e Assicurazioni 2026); the Fondo di solidarietà del credito (bilateral) is presumed included in the aggregate rate. Verify against the annual INPS circular.

Applies when: inps_employer applies.

Remediation: Verify the 26.76% employer rate and the solidarity fund share against the annual INPS circular.

bancari-abi/apprentice_seniority · seniority · impact unknown · open

APPRENTICE SENIORITY: the CCNL text read for this ruleset does not state whether apprentices accrue the level seniority increments or an amount of their own, and no apprentice amount is modelled. The engine pays no increment during the apprenticeship (provisional); the run is affected when the apprentice has matured increments the level pays.

Applies when: seniority applies; the run takes the engine code path; contract type in apprentice.

Remediation: Source the CCNL clause on apprentice seniority and model it as seniority_increments.apprentice_amount (zero when apprentices accrue none), then remove this note.

bancari-abi/inps_sector_rates_unsourced · inps_employer · impact unknown · open

INPS RATES: the employer and worker INPS rates of the sector (credito) are totals no 2026 INPS or association table confirms: the only component split found is the INPS guide of 2012 and the 2026 totals come from a software house page that does not prove its year. The contributions of every run rest on them.

Applies when: inps_employer applies.

Remediation: Source the credito rates of 2026 on an INPS or association table, mark the inps block of contribution/2026/credito.json derived, then remove this note.

bancari-abi/ex_ristrutturazione_amount · seniority · impact yes · open

IMPORTO EX RISTRUTTURAZIONE: the tables of the renewal print, next to the scatto, an 'importo ex ristrutturazione' (14,30 for QD3 and QD4, 7,99 for QD1, QD2 and the 3a Area, 5,59 for the Area Unificata); the bundle does not pay it. TERM: the renewal of 23 November 2023 expires on 31 March 2026 (Art. 1); the tables stay those of March 2026 until a renewal is read.

Applies when: seniority applies.

Remediation: Source who receives the importo ex ristrutturazione and model it with the scatti, then remove this note.

bancari-abi/scatti_freeze_2013_2014 · seniority · impact yes · open

SCATTI FREEZE 2013-2014: no seniority for the scatti and the importo ex ristrutturazione accrues from 1 January 2013 to 31 July 2014 (Art. 103 c. 3, testo coordinato p. 142); staff in service on 19 December 1994 keep 12 scatti (Art. 94 c. 2, Art. 103 c. 2). The engine counts the seniority of the request without the freeze.

Applies when: a fact the request cannot express: never recorded on a run.

Remediation: State the seniority of a worker in service in 2013-2014 net of the 19 months of the freeze.

bancari-abi/abi_saturday_overtime_and_hourly_base · overtime · impact yes · open

OVERTIME, SATURDAY AND HOURLY BASE: Saturday overtime is paid 30% (Art. 114 c. 15), and the request has no Saturday kind; the hourly pay of overtime and of holiday work is 1/360 of the annual pay for each day divided by 7,4 (Art. 114 c. 15), that is the monthly pay times 13 over 2.664, not the monthly pay over the hourly divisor of 160: the caller passes that hourly rate on the overtime event.

Applies when: a fact the request cannot express: never recorded on a run.

Remediation: Add a Saturday kind and derive the overtime hourly rate as the annual pay over 360 and 7,4.

bancari-abi/abi_sickness_counting · sickness · impact yes · open

SICKNESS COUNTING: Art. 66 c. 1 keeps the job and the whole pay for 6, 8, 12, 15, 18 or 22 months by seniority; c. 2 lets the employer count instead the 48 months before the last day of absence, with 8, 10, 14, 18, 22 or 24 months. The file applies c. 2; an employer counting by c. 1 pays fewer months. The periods rise by 50% for tbc, AIDS and disabilità grave and double for oncological illness (cc. 4-5), not modelled.

Applies when: a fact the request cannot express: never recorded on a run.

Remediation: Add a fact for the counting the employer adopts and the extended periods of Art. 66 cc. 4-5.

sickness_inps_daily_base · sickness · impact unknown · open

The INPS share of a sick day is the INPS rate times the CCNL daily quota of the current month, counted on the CCNL payable days. INPS computes it on its own daily base (retribuzione media globale giornaliera of the month before) and on calendar days. The worker's total for the day is the same; the split between INPS indemnity (outside the contribution base) and employer integration may differ, and with it the contributions.

Applies when: sickness applies; the run takes the engine code path.

Remediation: Compute the INPS indemnity on the INPS daily base and calendar days of the INPS rules, with the pay of the month before, then resolve this limitation.

sickness_cumulation_window · sickness · impact unknown · open

The CCNL tier and the comporto are counted on the days of one episode and the relapses it continues. A CCNL that sums the sickness of separate episodes over a window (a calendar year, the last three years) can reach a lower tier or the end of the comporto earlier than the engine shows. The run is affected when an earlier episode outside the relapse chain is recorded.

Applies when: sickness applies; the run takes the engine code path.

Remediation: Add the cumulation window of each CCNL to its sickness rule, with the source, and count the tier and the comporto over it.

provisional_ruleset · irpef · impact unknown · open

The run reads a tax ruleset marked provisional: the sources of its year are not published yet (budget law of the year; regional and municipal surtax resolutions), so the values are those of the year before, carried over. Rules in force by statute (the IRPEF brackets of art. 11 and the deductions of art. 13 of the testo unico of D.Lgs. 117/2026) carry over unchanged; any change of the budget law is not applied.

Applies when: irpef applies; the run takes the engine code path.

Remediation: Replace each provisional ruleset of the year with the values of its published sources, drop its provisional flag, then resolve this limitation.

provisional_inps_ruleset · inps_employer · impact unknown · open

The run reads an INPS ruleset marked provisional: the INPS circulars of its year are not published yet, so the rates, the massimale and the minimale (and the hourly contributions of domestic work) are those of the year before, carried over. The indexed amounts change every January: the carried-over values understate them.

Applies when: inps_employer applies; the run takes the engine code path.

Remediation: Replace each provisional INPS ruleset of the year with the values of the INPS circulars of the year, drop its provisional flag, then resolve this limitation.

tfr_compensation_apprentice_guarantee_fund · inps_employer · impact yes · open

An apprentice whose TFR goes to a pension fund or to the Fondo Tesoreria takes the 0.28-point relief of D.L. 203/2005 art. 8, but not the exemption from the 0.20% Fondo di garanzia contribution of D.Lgs. 252/2005 art. 10 c. 2: no source found says whether the apprentice rate (10% of L. 296/2006 art. 1 c. 773 plus NASpI and the integration funds) holds a Fondo di garanzia share to exempt. The employer contributions of the run may be overstated by 0.20% of the INPS base.

Applies when: inps_employer applies; the run takes the engine code path; contract type in apprentice.

Remediation: Find an INPS source on the Fondo di garanzia share of the apprentice rate, then exempt it with the other workers or record that none is due.