Italy: the representativeness of trade unions and employer associations in the banking sector.

Nel settore finanziario italiano operano 11 sindacati e 5 organizzazioni imprenditoriali. Di queste ultime una, l’ABI, è di gran lunga la più rappresentativa. Il settore non ha risentito in modo grave della crisi finanziaria internazionale essendo specializzato in attività di tipo tradizionale che poco dipendono dalle attività finanziarie internazionali più colpite dalla crisi. Quasi il 34% del mercato bancario italiano è occupato da due grandi gruppi, frutto di fusioni avvenute a metà degli anni Duemila. Il settore è regolato da quattro ccnl, tre dei quali vengono applicati dalla stragrande maggioranza delle imprese. La contrattazione si tiene principalmente a livello centrale/nazionale.

1. Sectoral properties

Il settore bancario considerato in questo studio è stato definito sulla base del codice Nace 64, che comprende tutte le attività finanziarie. Dallo studio sono state escluse le attività relative alla banca centrale (64.11)

Economic background

Il settore delle attività finanziarie italiano, soprattutto per quanto riguarda le banche, ha una struttura particolare rispetto agli altri paesi europei. E’ specializzato, infatti, in attività di tipo tradizionale, meno dipendente dai mercati e strettamente regolato e vigilato dalla Banca d’Italia. Queste caratteristica, insieme alla bassa presenza nei bilanci delle banche delle attività finanziare colpite dalla crisi, hanno limitato l’impatto della crisi finanziaria internazionale, iniziata nell’estate del 2007. Conseguentemente, la crisi non ha avuto un profondo impatto sui livelli occupazionali e sulle relazioni industriali del settore.

La crisi ha colpito maggiormente gli intermediari non bancari. Il settore del credito specializzato (leasing, factoring, credito al consumo) ha risentito in maniera maggiore della caduta degli investimenti e dei consumi.

All’interno del sistema finanziario italiano, alla fine del 2008 operavano 799 banche e 81 gruppi. Il numero delle banche alla fine del 2009 è sceso a 788 a seguito di incorporazioni, fusioni o cessioni di attività (in cinque casi). A fine 2009 i gruppi bancari erano 75.

Negli ultimi dieci anni, il sistema bancario italiano è stato oggetto di numerose fusioni, con la costituzione di due grandi gruppi bancari – Intesa Sanpaolo e UniCredit – che occupano il 33,9% delle attività del sistema bancario italiano. Gli altri tre gruppi di dimensioni medio-grandi (Banca Monte dei Paschi di Siena, Banco Popolare e Unione di Banche Italiane) occupano il 18,6% del sistema. Il 35% del sistema è occupato da 51 gruppi e banche individuali di dimensione medio-piccola mentre 590 piccoli intermediari che operano prevalentemente a livello locale occupano il 12,5% del mercato (Banca d’Italia, Relazione annuale sul 2009, http://www.bancaditalia.it/pubblicazioni/relann/rel09).

Development of employment

Table 1: Sectoral properties

	1996	2008
Number of companies in the sector	0	5.973
Source of company data	please describe	ISTAT, Archivio Statistico delle Imprese Attive, ASIA, 2007
Aggregate employment	390301	392.177
Male employment	252216	253.429
Female employment	138085	138.748
Share of sectoral employement in %	1,78	2
Source of employment figures	ISTAT, Census of industry and services, 1996; Istat, Contabilità Nazionale 1970-2008; The data for the percentage of female and male has been estimated through data from Istat, Census of industry and services 2001.	ISTAT, Archivio Statistico delle Imprese Attive, ASIA, 2008; Istat, Census of industry and services 2001. The data for the percentage of female and male has been estimated through data from Istat, Census of industry and services 2001.
Comment	if employment is taken from another source than the one provided, please provide your reasons, referring to meta-data.
Aggregate employees	375737	384.889
Male employees	236493	242.253
Female employees	139244	142.636
Share of sectoral employees in %	2	2
Comment	if employee figures are taken from another source than the one provided, please provide your reasons, referring to meta-data.

2. The sector’s trade unions and employer associations

Le organizzazioni di rappresentanza del settore sono le seguenti:

Per i lavoratori:

• Federazione Italiana Sindacale Lavoratori Assicurazione e Credito, FISAC, affiliata alla Confederazione Generale Italiana del Lavoro, CGIL;
• Federazione Italiana Bancari e Assicurativi, FIBA, affiliata alla Confederazione Italiana Sindacati Lavoratori ;
• Uil Credito Esattorie e Assicurazioni, UILCA, affiliata all’Unione Italiana del Lavoro, UIL;
• Ugl Credito, affiliata all’Unione Generale del Lavoro, UGL;
• Sindacato Autonomo Lavoratori del Credito Enti Assimilati, SILCEA;
• Federazione Autonoma Bancari Italiani, FABI;
• Federazione Autonoma Lavoratori del Credito e del Risparmio Italiani, FALCRI;
• Associazione Sindacale Nazionale dell’Area Direttiva e delle Alte professionalità del Credito, della Finanza, delle attività similari e strumentali, delle Fondazioni bancarie e delle Authorities o Agenzie nazionali comunque denominate, DIRCREDITO-FD;
• Federazione Nazionale Sindacati Autonomi – Personale di Credito, Finanza e assicurazioni, SINFUB.
• Sindacato Italiano lavoratori del Credito Cooperativo, SILCCO
• Sindacato Nazionale Dirigenti del Credito Cooperativo, SINADI

Per gli imprenditori:

• Associazione Bancaria Italiana, ABI
• Federazione Italiana delle banche di Credito Cooperativo – Casse Rurali ed Artigiane, FEDERCASSE
• Associazione di Fondazioni e di Casse di Risparmio Spa, ACRI
• Associazione Nazionale fra le Banche Popolari, ASSOPOPOLARI
• Associazione Generale Cooperative Italiane, AGCI

2a Data on the trade unions

Table: Union Fact sheet 1

Federazione Italiana Sindacale dei Lavoratori delle Assicurazioni e del Credito
FISAC
Affiliation to multinational organisations	Union Network Internationa, UNI Global Union
Affiliation to Europaen level organisations	UNI Europe
Affiliation to National level organisations	Confederazione Generale Italiana del Lavoro, CGIL
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Silcco, Sinadi.
	pls select year
"Active" union members total (in employment)	n.g.
Union members (incl. non-employed), total	n.g.
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Fisac represents the workers in the following sectors: Banks, Insurance, Financial houses, Authorized Tax Collection Companies, Central Bank, Authorities
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 2

Federazione Italiana Bancari Assicurativi
FIBA
Affiliation to multinational organisations	UNI Global Union
Affiliation to Europaen level organisations	UNI Europe
Affiliation to National level organisations	Confederazione Italiana Sindacati Lavoratori, CISL
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	yes
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Silcco, Sinadi.
	2009
"Active" union members total (in employment)	90.000
Union members (incl. non-employed), total	90.000
	2009
"Active" union members in the sector (in employment)	70.000
Union members in the sector, total (incl. non-employed)	70.000
Female membership as a % of total members	1
Source of sectoral membership figures	Est. Social Partner
Union Density - active members	n.g.
Sectoral Density - active members	18%
Sectoral Domain Density - active members	18%
Union Density - total members	n.g.
Sectoral Density - total members	18%
Sectoral Domain Density - total members	18%
Description of union's domain with regard to sector	Fiba represents worker in the following sectors: Banks, Insurance, Financial houses, Authorized Tax Collection Companies, Authorities
Representation of other groups than employees in the sector	yes

Table: Union Fact sheet 3

Unione Italiana del Lavoro Credito, Esattorie e Assicurazioni
UILCA
Affiliation to multinational organisations	UNI Global Union
Affiliation to Europaen level organisations	UNI Europe
Affiliation to National level organisations	Unione Italiana del Lavoro, UIL
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Silcco, Sinadi.
	2009
"Active" union members total (in employment)	44.698
Union members (incl. non-employed), total	44.698
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Est. Social Partner
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Uilca represents workers in the following sectors: Banks, Insurance, Financial houses, Authorized Tax Collection Companies, Authorities
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 4

Federazione Autonoma Bancari italiani
FABI
Affiliation to multinational organisations	UNI Global Union
Affiliation to Europaen level organisations	Uni Europe
Affiliation to National level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Falcri, Dircredito, Sinfub, Silcco, Sinadi.
	2009
"Active" union members total (in employment)	92.000
Union members (incl. non-employed), total	92.000
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Fabi represents workers in the following sectors: Banks, Financial houses, Authorized Tax Collection Companies
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 5

Federazione Autonoma Lavoratori del Credito e del Risparmio Italiani
FALCRI
Affiliation to multinational organisations	Uni Global Union
Affiliation to Europaen level organisations	Uni Europe
Affiliation to National level organisations	Confederazione Generale dei Sindacati Autonomi dei lavoratori, CONFSAL
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	yes
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Dircredito, Sinfub, Silcco, Sinadi.
	2009
"Active" union members total (in employment)	20.000
Union members (incl. non-employed), total	20.000
	2009
"Active" union members in the sector (in employment)	19.000
Union members in the sector, total (incl. non-employed)	19.000
Female membership as a % of total members	1
Source of sectoral membership figures	Est. Social Partner
Union Density - active members	5%
Sectoral Density - active members	5%
Sectoral Domain Density - active members	5%
Union Density - total members	5%
Sectoral Density - total members	5%
Sectoral Domain Density - total members	5%
Description of union's domain with regard to sector	Falcri represents workers in the following sectors: Banks, Authorized Tax Collection Companies
Representation of other groups than employees in the sector	yes

Table: Union Fact sheet 6

Associazione Sindacale Nazionale dell'Area Direttiva e delle Alte professionalità del Credito, della Finanza, delle attività similari e/o strumentali, delle Fondazioni bancarie e delle Authorities o Agenzie nazionali comunque denominate
DIRCREDITO
Affiliation to multinational organisations	UNI
Affiliation to Europaen level organisations	Fédération Européenne des Cadres des Etablissements du Crédit, FECEC; Conféderation Européenne des Cadres, CEC; European Federation of Employee share ownership, EFES
Affiliation to National level organisations	Federazione Nazionale dei Sindacati dell'Area Direttiva e delle Alte Professionalità dei settori pubblico e privato, FEDERDIRIGENTI
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	sectional overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Sinfub, Silcco, Sinadi.
	pls select year
"Active" union members total (in employment)	n.g.
Union members (incl. non-employed), total	n.g.
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Dircredito represents middle management and high skilled Professionals in the Italian banking sector and related activities
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 7

Sindacato Italiano Lavoratori del Credito Cooperativo
SILCCO
Affiliation to multinational organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to Europaen level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to National level organisations	Federazione Intersindacale Dipendenti Credito Cooperativo, FIDICC
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	sectionalism
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Sinadi.
	pls select year
"Active" union members total (in employment)	n.g.
Union members (incl. non-employed), total	n.g.
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Silcco represents workers in the co-operative banks
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 8

Sindacato Nazionale irigenti del Credito Cooperativo
SINADI
Affiliation to multinational organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to Europaen level organisations	CEC
Affiliation to National level organisations	FIDICC
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	pls answer all qu. above.
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Silcco.
	2009
"Active" union members total (in employment)	897
Union members (incl. non-employed), total	1.060
	2009
"Active" union members in the sector (in employment)	897
Union members in the sector, total (incl. non-employed)	1.060
Female membership as a % of total members	0
Source of sectoral membership figures	Est. Social Partner
Union Density - active members	3%
Sectoral Density - active members	0%
Sectoral Domain Density - active members	0%
Union Density - total members	4%
Sectoral Density - total members	1%
Sectoral Domain Density - total members	1%
Description of union's domain with regard to sector	Sinadi represents managers in the co-operative banks
Representation of other groups than employees in the sector	yes

Table: Union Fact sheet 9

Sindacato Italiano Lavoratori Credito Enti Assimilati
SILCEA
Affiliation to multinational organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to Europaen level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to National level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	pls answer all qu. above.
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Fabi, Falcri, Dircredito, Sinfub, Silcco, Sinadi.
	pls select year
"Active" union members total (in employment)	n.g.
Union members (incl. non-employed), total	n.g.
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Silcea represents workers in the following sectors: Credit and allied services
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

Table: Union Fact sheet 10

Federazione Nazionale Sindacati Autonomi Personale di Credito, Finanza e Assicurazioni
SINFUB
Affiliation to multinational organisations	UNI Global Union
Affiliation to Europaen level organisations	CEC
Affiliation to National level organisations	Confederazione Unitaria Quadri, CUQ
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	yes
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Silcco, Sinadi.
	2009
"Active" union members total (in employment)	4.794
Union members (incl. non-employed), total	7.680
	2009
"Active" union members in the sector (in employment)	4.646
Union members in the sector, total (incl. non-employed)	5.023
Female membership as a % of total members	0
Source of sectoral membership figures	Est. Social Partner
Union Density - active members	n.g.
Sectoral Density - active members	1%
Sectoral Domain Density - active members	1%
Union Density - total members	n.g.
Sectoral Density - total members	1%
Sectoral Domain Density - total members	1%
Description of union's domain with regard to sector	Sinfub represents workers in the following sectors: Credit, Insurance, Finance
Representation of other groups than employees in the sector	no

Table: Union Fact sheet 11

Unione Generale del Lavoro - Credito
UGL CREDITO
Affiliation to multinational organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to Europaen level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to National level organisations	Unione Generale del Lavoro, UGL
Engagment in sector related collective bargaining	yes
Type of membership	voluntary
Consultation in sector related matters	-
Union's domain with regard to sector	overlap
Domain overlap with other unions in sector	yes
Domain overlaps occur with the following unions in the sector	Fisac, Fiba, Uilca, Sinfub, Silcea, Fabi, Falcri, Dircredito, Silcco, Sinadi.
	pls select year
"Active" union members total (in employment)	n.g.
Union members (incl. non-employed), total	n.g.
	pls select year
"Active" union members in the sector (in employment)	n.g.
Union members in the sector, total (incl. non-employed)	n.g.
Female membership as a % of total members	n.g.
Source of sectoral membership figures	Source
Union Density - active members	n.g.
Sectoral Density - active members	n.g.
Sectoral Domain Density - active members	n.g.
Union Density - total members	n.g.
Sectoral Density - total members	n.g.
Sectoral Domain Density - total members	n.g.
Description of union's domain with regard to sector	Ugl Credito represents workers in the following sectors: Credit, Finance, Insurance, Authorized Tax Collection Companies
Representation of other groups than employees in the sector	Please describe, which groups are being represented.

2b Data on the employer associations

Le organizzazioni di rappresentanza degli imprenditori hanno caratteristiche particolari.

Le organizzazioni che contrattano sono ABI, FEDERCASSE e, per una piccola parte del settore, l’AGCI.

Assopopolari e Acri non stipulano CCNL ma le imprese che fanno riferimento a queste due organizzazioni applicano il ccnl Abi.

Assopopolari è un’associazione che funge da coordinamento fra le banche popolari. Per la contrattazione collettiva, fa riferimento all’Abi.

Acri è un organismo di collegamento fra le Fondazioni Bancarie delle quali è rappresentante istituzionale. Per la contrattazione collettiva, fa riferimento all’Abi.

Federcasse stipula un Ccnl specifico per le banche di credito cooperativo. Aderisce ad Abi e associa direttamente le imprese. La maggioranza delle banche di credito cooperativo aderisce a Federcasse.

Table: Employers organisation Fact sheet 1

Associazione Bancaria italiana
ABI
Affiliation to multinational organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Affiliation to Europaen level organisations	European Bancking Federation, EBF; European Mortgage Federation, EMF
Affiliation to National level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Engagment in sectoral related collective bargaining	yes
Consultation in sector related matters	yes
Type of Membership	Voluntary
Organisation's domain with regard to sector	sectional overlap
Domain overlap with other organisations in sector	no
Domain overlaps occur with the following organisations	n.g.
	2009
Number of member companies, total	1.418
Number of employees in member companies total	383.000
	2009
Number of member companies in sector	559
Number of employees in member companies in sector	343.432
Source of membership figures	Est. Social Partner
Domain Density - companies	Rough estimate:
Sectoral Density - companies	9%
Sectoral Domain Density - companies	29%
Domain Density - employees	Rough estimate:
Sectoral Density - employees	89%
Sectoral Domain Density - employees	97%
Description of organisation's domain with regard to sector	Abi is the most representative EO in the sector. It represents banks which employ about the 90% of the workers in the sector.
Representation of particular subgroups of entreprises	no

Table: Employers organisation Fact sheet 2

Federazione Italiana delle Banche di Credito Cooperativo - Casse Rurali ed Artigiane
FEDERCASSE
Affiliation to multinational organisations	Internazional Raiffeisen Union, IRU
Affiliation to Europaen level organisations	European Association of Cooperative Banks, EACB
Affiliation to National level organisations	Confederazione Cooperative Italiane, CONFCOOPERATIVE
Engagment in sectoral related collective bargaining	yes
Consultation in sector related matters	yes
Type of Membership	Voluntary
Organisation's domain with regard to sector	sectionalism
Domain overlap with other organisations in sector	yes
Domain overlaps occur with the following organisations	Agci
	2009
Number of member companies, total	480
Number of employees in member companies total	35.000
	2009
Number of member companies in sector	480
Number of employees in member companies in sector	35.000
Source of membership figures	Est. Social Partner
Domain Density - companies	96%
Sectoral Density - companies	8%
Sectoral Domain Density - companies	96%
Domain Density - employees	Rough estimate:
Sectoral Density - employees	9%
Sectoral Domain Density - employees	Rough estimate:
Description of organisation's domain with regard to sector	The organisation represents only the bank which operates in the cooperative credit
Representation of particular subgroups of entreprises	Please describe.

Table: Employers organisation Fact sheet 3

Associazione Nazionale fra le Banche Popolari
ASSOPOPOLARI
Affiliation to multinational organisations	International Confederation of Popular Banks, CIBP
Affiliation to Europaen level organisations	European Association of Cooperative Banks, EACB
Affiliation to National level organisations	ABI
Engagment in sectoral related collective bargaining	no
Consultation in sector related matters	yes
Type of Membership	Voluntary
Organisation's domain with regard to sector	sectionalism
Domain overlap with other organisations in sector	no
Domain overlaps occur with the following organisations	n.g.
	2009
Number of member companies, total	102
Number of employees in member companies total	83.500
	2009
Number of member companies in sector	102
Number of employees in member companies in sector	83.500
Source of membership figures	Est. Social Partner
Domain Density - companies	Rough estimate:
Sectoral Density - companies	2%
Sectoral Domain Density - companies	Rough estimate:
Domain Density - employees	Rough estimate:
Sectoral Density - employees	22%
Sectoral Domain Density - employees	Rough estimate:
Description of organisation's domain with regard to sector	The organisation represents only Popular Banks
Representation of particular subgroups of entreprises	yes, popular banks

Table: Employers organisation Fact sheet 4

Associazione di Fondazioni e di Casse di Risparmio Spa
ACRI
Affiliation to multinational organisations	World Savings Banks Institute, WSBI
Affiliation to Europaen level organisations	European Savings Banks Group, ESBG
Affiliation to National level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Engagment in sectoral related collective bargaining	no
Consultation in sector related matters	-
Type of Membership	Voluntary
Organisation's domain with regard to sector	sectionalism
Domain overlap with other organisations in sector	no
Domain overlaps occur with the following organisations	n.g.
	pls select year
Number of member companies, total	n.g.
Number of employees in member companies total	n.g.
	pls select year
Number of member companies in sector	n.g.
Number of employees in member companies in sector	n.g.
Source of membership figures	Own calculation
Domain Density - companies	Rough estimate:
Sectoral Density - companies	Rough estimate:
Sectoral Domain Density - companies	Rough estimate:
Domain Density - employees	Rough estimate:
Sectoral Density - employees	Rough estimate:
Sectoral Domain Density - employees	Rough estimate:
Description of organisation's domain with regard to sector	The organisation represents savings banks
Representation of particular subgroups of entreprises	Please describe.

Table: Employers organisation Fact sheet 5

Associazione Generale Cooperative Italiane
AGCI
Affiliation to multinational organisations	International Cooperative Alliance, ICA
Affiliation to Europaen level organisations	The European Confederation of Cooperatives and worker-owned enterprises active in industry and services, CECOP (CICOPA Europe), European Agri-cooperatives, COGECA, Cooperatives Europe (The Europe region of the ICA)
Affiliation to National level organisations	Please give full names (when listing the org. for the first time) and abbreviations.
Engagment in sectoral related collective bargaining	yes
Consultation in sector related matters	yes
Type of Membership	Voluntary
Organisation's domain with regard to sector	sectional overlap
Domain overlap with other organisations in sector	yes
Domain overlaps occur with the following organisations	Federcasse
	2009
Number of member companies, total	6.874
Number of employees in member companies total	21.418
	2009
Number of member companies in sector	75
Number of employees in member companies in sector	1.002
Source of membership figures	Est. Social Partner
Domain Density - companies	8%
Sectoral Density - companies	1%
Sectoral Domain Density - companies	Rough estimate:
Domain Density - employees	Rough estimate:
Sectoral Density - employees	0%
Sectoral Domain Density - employees	Rough estimate:
Description of organisation's domain with regard to sector	The organisation represents only cooperative enterprises.
Representation of particular subgroups of entreprises	Yes, small and medium enterprises

3. Inter-associational relationships

3a Inter-union relationships

3a.1 Please list all trade unions covered by this study whose domains overlap.

Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito, Sinfub, Silcco, Sinadi.

3a.2 Do rivalries and competition exist among the trade unions, concerning the right to conclude collective agreements and to be consulted in public policy formulation and implementation?

I rapporti fra le organizzazioni sindacali del settore firmatarie del più importante Ccnl del settore (Fisac, Fiba, Uilca, Ugl Credito, Silcea, Fabi, Falcri, Dircredito e Sinfub) hanno una tradizione unitaria. Non esistono fra loro particolari rivalità o competizioni.

Qualche competizione potrebbe esserci fra le organizzazioni summenzionate e le organizzazioni firmatarie del ccnl minore (Silcco e Sinadi).

3a.3 If yes, are certain trade unions excluded from these rights?

No

3b Inter-employer association relationships

3b.1 Please list all employer associations covered by this study whose domains overlap.

Federcasse, Agci

3b.2 Do rivalries and competition exist among the employer associations, concerning the right to conclude collective agreements and to be consulted in public policy formulation and implementation?

No. Nel settore una grandissima parte delle imprese aderisce all’Abi e a Federcasse. C’è, tuttavia, l’Agci che stipula un Ccnl a parte con due organizzazioni sindacali (Silcco e Sinadi) per le banche di credito cooperativo. Le banche che aderiscono all’Agci non sono, tuttavia, numerose.

3b.3 If yes, are certain employer associations excluded from these rights?

No

3b.4 Are there large companies or employer associations which refuse to recognise the trade unions and refuse to enter collective bargaining?

No

4. The system of collective bargaining

Nel settore esistono quattro Ccnl applicati dalla stragrande maggioranza delle imprese e un Ccnl rivolto ad una piccola fetta di settore.

4.1. Estimate the sector’s rate of collective bargaining coverage (i.e. the ratio of the number of employees covered by any kind of collective agreement to the total number of employees in the sector).

100% (stima di Pierluigi Ledda, settore formazione Fiba Cisl).

4.2. Estimate the relative importance of multi-employer agreements and of single-employer agreements as a percentage of the total number of employees covered. (Multi-employer bargaining is defined as being conducted by an employer association on behalf of the employer side. In the case of single-employer bargaining, it is the company or its subunit(s) which is the party to the agreement. This includes the cases where two or more companies jointly negotiate an agreement.)

Il Contratto collettivo nazionale stipulato con le organizzazioni di rappresentanza degli imprenditori (Multi-employer agreements) è più importante dei contratti di secondo livello, stipulati con singole imprese o gruppi (single-employer agreements). Il CCNL stabilisce le normative e l’adeguamento economico. I benefit e gli incrementi retributivi vengono stabiliti dai contratti aziendali.

4.2.1. Is there a practice of extending multi-employer agreements to employers who are not affiliated to the signatory employer associations?

É possibile ma non è frequente. Quasi tutte le imprese sono associate a qualche organizzazione di rappresentanza.

4.2.2. If there is a practice of extending collective agreements, is this practice pervasive or rather limited and exceptional?

I contratti collettivi di lavoro sono regolati dal diritto privato e pertanto dovrebbero impegnare alla loro applicazione solo le aziende ed i lavoratori aderenti alle organizzazioni che li firmano. L’art. 36 della Costituzione italiana sostiene che al lavoratore deve essere garantito un salario “sufficiente ad assicurare a sé e alla famiglia un'esistenza libera e dignitosa” ma l’importo di tale salario non è stabilito per legge. Da oltre 50 anni si è affermata, per tutti i settori, una prassi giurisprudenziale che ha fatto sì che i giudici chiamati ad esprimersi in cause di lavoro abbiano sempre considerato come salario che soddisfa i requisiti previsti dalla Costituzione quello stabilito dai contratti collettivi nazionali stipulati dalle associazioni sindacali ed imprenditoriali maggiormente rappresentative.

Il contratto collettivo nazionale di lavoro, quindi, costituisce de facto la normativa di riferimento per tutti i lavoratori e tutte le aziende del settore. Se un’azienda eroga salari più bassi di quelli stabiliti dal CCNL applicabile al suo settore di riferimento, il lavoratore può fare ricorso alla magistratura e sicuramente ottiene l’applicazione di quanto previsto dal contratto, anche se, spesso, la vertenza gli costa il posto il lavoro. Di solito, infatti, i ricorsi vengono intrapresi dai lavoratori dopo il licenziamento.

Nei fatti, grazie alla prassi giurisprudenziale descritta sopra, da oltre 50 anni il CCNL è applicato a tutti i lavoratori e a tutte le aziende del settore di riferimento, assicurando un potenziale livello di copertura a tutti i lavoratori del settore.

4.3. List all sector-related multi-employer wage agreements* valid in 2008 (or most recent data), including for each agreement information on the signatory parties and the purview of the agreement in terms of branches, types of employees and territory covered.

Nel settore l’ultimo CCNL (IT0802029I) ha stabilito che il rinnovo della la parte economica sarà effettuato insieme al rinnovo della parte normativa ogni tre anni. Non c’è, quindi, come avveniva precedentemente, una contrattazione economica a parte a due anni dalla stipula del CCNL.

Sector-related multi employer wage agreements

Bargaining parties	Purview of the sector-related multi-employer wage agreements
	Sectoral	Type of employees	Territorial

4.4. List the sector’s four most important collective agreements (single-employer or multi-employer agreements) valid in 2008 (or most recent data), including for each agreement information on the signatory parties and the purview of the agreement in terms of branches, types of employees and territory covered. Importance is measured in terms of employees covered.

Four most important agreements in terms of employees covered

Bargaining parties	Purview of the agreements
	Sectoral	Type of employees	Territorial
Abi Dircredito-Fd, Fabi, Falcri, Fiba, Fisac, Silcea, Sinfub, Ugl Credito, Uilca	Banking (IT0802029I)	All (excl. managers)	National
Abi Dircredito-Fd, Sinfub. Per adesione: Fabi, Falcri, Fiba, Fisac, Silcea, Ugl Credito, Uilca	Banking	Managers	National
Federcasse Dircredito-Fd, Fabi, Falcri, Fiba, Fisac, Silcea, Sinfub, Ugl Credito, Uilca	Banking (Banks initially offering credit to cooperatives; Agricultural and Artisan Banks)	All types of employees	National
Agci Silcco, Fidicc	Cooperative banks	All types of employees	National

5. Formulation and implementation of sector-specific public policies

5.1. Are the sector’s employer associations and trade unions usually consulted by the authorities in sector-specific matters? If yes, which associations?

Nel periodo 1998-2007 le parti firmatarie dei più importanti Ccnl hanno giocato un ruolo importante nella gestione e regolamentazione delle grandi ristrutturazioni e fusioni avvenute nel settore (IT0609029I, IT0706019I),. In quel periodo sono stati stipulati due importanti accordi concertativi, uno nel 1997 (IT9706115N) per la gestione delle ristrutturazioni e uno nel 2004 (IT0408104N) per la responsabilità sociale delle imprese (Corporate social responsibility).

5.2. Do tripartite bodies dealing with sector-specific issues exist? If yes, please indicate their domain of activity (for instance, health and safety, equal opportunities, labour market, social security and pensions etc.), their origin (agreement/statutory) and the interest organisations having representatives in them:

Nel settore operano due organismi bipartiti nazionali e molti organismi bipartiti aziendali o di gruppo. Questi ultimi sono, generalmente, delle casse per supportare le spese sanitarie dei dipendenti o fondi pensione. Fin dal XIX secolo il settore è caratterizzato da un sistema di assistenza e sostegno per i dipendenti difficilmente riscontrabile negli altri settori produttivi privati italiani.

Sector-specific public policies*

Name of the body and scope of activity	Bipartite/tripartite	Origin: agreement/statutory	Trade unions having representatives (reps)	Employer associations having reps.
FBA Fondo Banche Assicurazioni (Fondo Interprofessionale per la Formazione Continua)	Bipartite	Agreement	CGIL, CISL, UIL	ABI, ANIA (Assicurazioni)
CASDIC (Cassa nazionale di assistenza sanitaria per il personale dipendente del settore del Credito)	Bipartite	Agreement	Dircredito-FD, Fabi, Falcri, Fiba, Fisac, Silcea, Sinfub, Ugl Credito, Uilca	ABI

* Sector-specific policies specifically target and affect the sector under consideration.

6. Statutory regulations of representativeness

6a Statutory regulations of representativeness for trade unions

6a.1 In the case of the trade unions, do statutory regulations exist which establish criteria of representativeness which a union must meet, so as to be entitled to conclude collective agreements? If yes, please briefly illustrate these rules and list the organisations which meet them.

No. Per maggiori dettagli, vedi risposta in 6b.2.

6a.2 In the case of the trade unions, do statutory regulations exist which establish criteria of representativeness which a union must meet, so as to be entitled to be consulted in matters of public policy and to participate in tripartite bodies? If yes, please briefly illustrate these rules and list the organisations which meet them.

No. Per maggiori dettagli, vedi risposta in 6b.2.

6a.3 Are elections for a certain representational body (e.g. works councils) established as criteria for trade union representativeness? If yes, please report the most recent electoral outcome for the sector.

Per i sindacati, il numero di iscritti ed i risultati delle elezioni per le Rappresentanze Sindacali Unitarie RSU o il numero di Rappresentanze Sindacali Aziendali RSA nei luoghi di lavoro danno modo di definire il grado di rappresentatività di ciascuna organizzazione nell’ambito delle loro relazioni, senza che ciò assuma alcun rilievo giuridico.

Alle trattative per il rinnovo dei contratti collettivi possono partecipare tutte le rappresentanze sindacali, anche quelle meno rappresentative. È interesse delle aziende, di solito, far partecipare più organizzazioni possibili per prevenire azioni conflittuali al proprio interno. Le aziende, solitamente, mirano a contrattare con organizzazioni che rappresentino complessivamente almeno il 50% dei lavoratori in azienda.

Una volta sottoscritto un contratto collettivo nazionale, alla contrattazione decentrata successiva partecipano soltanto le organizzazioni firmatarie del contratto nazionale.

Nel settore bancario sono presenti esclusivamente le Rsa. Non sono disponibili i dati sulle RSA, tuttavia, ha un elevato livello di sindacalizzazione che si aggira fra il 75 e il 78%.

6b Statutory regulations of representativeness for employer organisations

6b.1 In the case of the employers organisations, do statutory regulations exist which establish criteria of representativeness which an organisation must meet, so as to be entitled to conclude collective agreements? If yes, please briefly illustrate these rules and list the organisations which meet them.

No. Per maggiori dettagli, vedi risposta in 6b.2.

6b.2 In the case of the employer’s organisations, do statutory regulations exist which establish criteria of representativeness which an organisation must meet, so as to be entitled to be consulted in matters of public policy and to participate in tripartite bodies? If yes, please briefly illustrate these rules and list the organisations which meet them.

No.

Non esiste in Italia una legge che stabilisca i criteri per determinare la rappresentatività dei sindacati o delle organizzazioni dei datori di lavoro nel settore privato.

La legge 300/1970 (Statuto dei lavoratori) stabilisce i diritti sindacali dei lavoratori e i diritti e i doveri per i rappresentanti sindacali. Per le organizzazioni sindacali firmatarie dei contratti collettivi nazionali di lavoro, la legge stabilisce, come unico limite alla nomina di un proprio rappresentante sul luogo di lavoro, la soglia dei 15 dipendenti per le imprese industriali e dei 5 dipendenti per le imprese agricole.

Misure aggiuntive in termini di diritti sindacali individuali e collettivi vengono concordate tra le parti nei contratti collettivi nazionali che stabiliscono, fra l’altro, anche i criteri per partecipare agli organismi bilaterali o trilaterali.

Le forme della rappresentanza sono regolate per legge, diritti più estesi sono regolati tramite un accordo interconfederale stipulato nel 1993 e dai singoli contratti di categoria.

6b.3 Are elections for a certain representational body established as criteria for the representativeness of employer associations? If yes, please report the most recent outcome for the sector.

Per le organizzazioni di rappresentanza imprenditoriali non esistono organismi che ne stabiliscano il peso rappresentativo. Quest’ultimo viene valutato sulla base del numero di imprese aderenti dichiarato dall’organizzazione.

7. Commentary

La rappresentanza nel settore bancario appare molto regolata, con due grandi organizzazioni imprenditoriali che rappresentano quasi l’intero universo delle imprese e un alto tasso di sindacalizzazione fra i dipendenti, concentrato principalmente sulle nove organizzazioni sindacali firmatarie dei ccnl Abi e Federcasse.

La tradizione unitaria dei sindacati bancari, anche se molti di essi hanno estrazioni ed obiettivi diversi, è di lunga data. La compattezza della rappresentanza dei lavoratori e le caratteristiche economiche del settore hanno favorito, da sempre, una posizione di “privilegio” dei lavoratori bancari nel settore privato, sia per quanto riguarda le tutele e le agevolazioni di cui possono godere, sia per quanto riguarda le retribuzioni.

Vilma Rinolfi, Cesos

• ID: IT1009019QIT
• Author: Vilma Rinolfi
• Institution: Cesos
• Country: Italy
• Language: IT
• Publication date: 01-08-2011
• Sector: Financial Services