CCNL per i lavoratori delle Banche di Credito Cooperativo, Casse Rurali ed Artigiane¶


CNEL code	`J271`
Sector	credito
Tax sector	`credito`
Last renewal	—
Workers (est.)	~33k
Ruleset version	`2026.2`
Readiness	🧪 Exploratory

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Signatories

Federcasse
FABI
FIRST-CISL
FISAC-CGIL
UGL Credito
UILCA

Coverage¶

Derived from the capability registry. The scenario features and the ones outside the input are the same for every contract: see the capability matrix.

	Core payroll path of a contract
✅	Every core capability is computed from bundled rules and request facts
⚠️	The contract's data leave a core capability partial: see Limits


Core payroll path	⚠️
Limits of this contract	base_salary, inps_employer, seniority

3 documented simplification(s) and 0 missing feature(s): see Known simplifications.

Assurance¶

Axis	Value	What it says
Extraction method	🤖 AI-assisted	How the values were read from the sources
Extraction review	🔴 Unverified	Whether a person checked the extracted file against its sources
Rule provenance	35 verified / 7 derived / 0 assumed / 1 missing	Payable rules of the file by the evidence behind each value (statuses)
Ruleset confidence	🔴 Unverified	The confidence the ruleset declares as a whole
Readiness	🧪 Exploratory	Whether runs of this contract can be paid in `operational` mode (tiers)

Freshness¶


Last renewal	—
Last review	2026-10-14
Latest salary tranche	2026-01-01

Review history¶

Date	Reviewer	Scope	Outcome	Findings
2026-10-14	claude-opus-5-5 (ai)	Second review of the credito group: stipendio of the eleven levels in the three tranches, scatti, number of monthly payments, against the testo coordinato signed on 19 December 2024.	corrected	The 33 stipendi match Allegato A (p. 149) except two 2026 values, one cent off: 3ª Area 1° livello 2742.35 corrected to 2742.34, 2ª Area 2° livello 2572.10 corrected to 2572.11. 13 monthly payments: verified (Art. 46, tredicesima; no further monthly payment in the text). Scatti: amounts match Allegato A; at most 8 for the 1^st and 2^nd level of the quadri, not 12: the 12 apply only to staff in service on 31 December 1997 (Art. 101). Corrected; the 1997 cohort is noted. The FABI URL of the text no longer serves the PDF; the same signed text is cited from its Eutekne reproduction. Not reviewed here: the hourly pay of Art. 114 (90.66% of one twelfth of the annual pay, divided by 160) and the overtime rates, which stay derived.

Salary table¶

Latest effective values per level (monthly gross, EUR).

Level	Description	Base salary (monthly)	Effective from
`QD4`	Executive Managers - 4^th pay level	€ 5,160.06	2026-01-01
`QD3`	Executive Managers - 3^rd pay level	€ 4,396.88	2026-01-01
`QD2`	Executive Managers - 2^nd pay level	€ 3,965.48	2026-01-01
`QD1`	Executive Managers - 1^st pay level	€ 3,743.21	2026-01-01
`3AP4`	3^rd Professional Area - 4^th pay level	€ 3,341.90	2026-01-01
`3AP3`	3^rd Professional Area - 3^rd pay level	€ 3,059.49	2026-01-01
`3AP2`	3^rd Professional Area - 2^nd pay level	€ 2,890.41	2026-01-01
`3AP1`	3^rd Professional Area - 1^st pay level	€ 2,742.34	2026-01-01
`2AP2`	2^nd Professional Area - 2^nd pay level	€ 2,572.11	2026-01-01
`2AP1`	2^nd Professional Area - 1^st pay level	€ 2,406.80	2026-01-01
`1AP`	1^st Professional Area - single level	€ 2,241.53	2026-01-01

Seniority increments¶

Cadence: every 36 months
Maximum: 8 increments

Level	Increment (monthly)
`QD4`	€ 95.31
`QD3`	€ 95.31
`QD2`	€ 41.55
`QD1`	€ 41.55
`3AP4`	€ 41.55
`3AP3`	€ 41.55
`3AP2`	€ 41.55
`3AP1`	€ 41.55
`2AP2`	€ 35.57
`2AP1`	€ 29.07
`1AP`	€ 20.12

Apprenticeship¶

terza_area (type: under_classification)
Destination levels: 3AP1, 3AP2, 3AP3, 3AP4

Known simplifications¶

Each simplification below is a model limitation of the registry. An open limitation with a monetary impact (yes or unknown) makes every result it applies to not payable, with an open_limitation blocker; the result lists every applicable limitation in assurance.limitations.

bcc-credito-cooperativo/art3_derogation_apprenticeship · base_salary · impact unknown · open

Apprenticeship (Art. 30) modelled for destination levels 3AP1-3AP4: months 0-18 one level below the destination, then the destination level. The Art. 3 comma 3 derogation (higher destination level) is assumed to follow the same 18-month rule.

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

Remediation: Confirm that the Art. 3 comma 3 derogation follows the 18-month rule.

bcc-credito-cooperativo/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.

bcc-credito-cooperativo/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.

apprentice_seniority_simplified · seniority · impact unknown · resolved

Apprentices accrue only the CCNL apprentice-specific seniority increment, paid in full: the apprenticeship percentage no longer reduces it a second time. A CCNL that declares no apprentice amount pays none and carries its own open limitation /apprentice_seniority, recorded when the level pays matured increments.

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

Remediation: Resolved: the remaining CCNLs are tracked by their own apprentice_seniority limitation.

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.

Sources¶

Document	Kind	Date	URL
—	—	2024-07-09	↗
—	—	2024-07-09	↗
—	—	2024-07-09	↗

Coverage notes

Salary model is conglobated (stipendio per Art. 112 replaces paga base + scala mobile + EDR + other components). Modelled as base_salary with fixed_allowances: [].

First period valid_from set to 2024-09-01 (first tranche date per Allegato A). Pre-tranche salaries belong to the previous CCNL and are not modelled.

Seniority (Art. 113): first scatto after 4 years (48 months), then every 36 months; maximum 8 scatti for the Aree Professionali and 12 for the Quadri Direttivi (Art. 101), via maximum_count_by_level.

Hourly divisor 160 in both periods per Art. 114 (rounding down to the nearest multiple of 5): 37.5h x 52 / 12 = 162.5 → 160 (pre-July 2025); 37h x 52 / 12 = 160.33 → 160 (from July 2025, Art. 118).

Workers covered: approximately 36,000 (Federcasse / Banche di Credito Cooperativo, Casse Rurali ed Artigiane). Agreement signed 2024-07-09; valid until 2025-12-31 per Art. 9.

INPS rates from 2026-credito.json (same sector as bancari-abi). IRPEF 2026 brackets applied (L. 199/2025).

SCATTI: at most 8 for the 1^st and 2^nd level of the quadri direttivi and for the aree professionali, 7 for the 3^rd and 4^th level of the quadri (Art. 101, Art. 113). Staff in service on 31 December 1997 keep 12 scatti (9 for the 3^rd and 4^th level of the quadri) plus a further periodic increase: the engine applies the limits of later hires, so a run for that cohort past the 8^th (7^th) scatto needs the extra amounts as a fixed input.

Raw data¶

The contract file this page is generated from: agreement/bcc-credito-cooperativo.json.

Usage example¶

"""Usage example: bcc-credito-cooperativo (J271).

CCNL per i lavoratori delle Banche di Credito Cooperativo, Casse Rurali ed
Artigiane.

Generated by scripts/documentation/contract_example/generate.py from the
bundled data; edit the generator, not this file.

Level 3AP3 (middle of the level list), regular run of September 2026,
full-time permanent employment, 50 employees, worker resident in Milan
(region IT-25, municipality F205), seniority recognised from 1 September
2026.
"""

from datetime import date

from ccnl_engine import (
    EmployerProfile,
    Employment,
    Headcount,
    PayrollEngine,
    PayrollRun,
    PeriodFacts,
    PeriodInput,
)
from ccnl_engine.inputs import (
    Permanent,
    SeniorityFact,
    SenioritySource,
)

CCNL = "bcc-credito-cooperativo.json"
LEVEL = "3AP3"
SENIORITY = SeniorityFact.since(date(2026, 9, 1), SenioritySource.EMPLOYER_RECORDS)

engine = PayrollEngine.bundled()
result = engine.calculate_period(
    PeriodInput(
        run=PayrollRun.regular(year=2026, month=9),
        payment_date=date(2026, 9, 25),
        employment=Employment(
            ccnl_slug=CCNL,
            level_code=LEVEL,
            contract_type=Permanent(),
            seniority=SENIORITY,
        ),
        employer=EmployerProfile(headcount=Headcount(50)),
        facts=PeriodFacts(
            regione="IT-25",
            comune_belfiore="F205",
        ),
    )
)

issues = ", ".join(sorted(issue.code for issue in result.issues)) or "none"
blockers = ", ".join(sorted({b.code.value for b in result.blockers})) or "none"
readiness = engine.inspect_ruleset(CCNL.removesuffix(".json")).readiness
print(f"Gross:         {result.period_gross} EUR")
print(f"Contributions: {result.contribution_breakdown.employee} EUR")
print(f"IRPEF:         {result.tax_computation.ordinary_tax} EUR")
print(f"Net:           {result.period_net} EUR")
print(f"Payable:       {result.is_payable}")
print(f"Net payable:   {result.is_net_pay_payable}")
print(f"Cost complete: {result.is_employer_cost_complete}")
print(f"Readiness:     {readiness}")
print(f"Blockers:      {blockers}")
print(f"Issues:        {issues}")