The budget law for 2027 "envisages interventions that impact the profitability, liquidity and, in some cases, the regulatory capital of banks, with a further increase in revenue for the State in the next three years of approximately another 7 billion euros". This was stated by the director of the ABI, Marco Elio Rottigni, in a hearing in Parliament on the Maneuver, underlining "the further increase in the IRES surtax and the proposed structural restriction of IRAP deductions (4.8 billion), from the deferrals of deductions and compensations (2.1 billion) which also determine effects on the prudential supervisory coefficients".
The ABI, Rottigni further said, "indicates the importance of jointly evaluating the fiscal measures approved with the budget laws of 2025 and 2026 now under examination, which determine an impact of 22 billion euros". Rottigni asks to "avoid excessive penalties on costs necessary for operations and investments to safeguard the certainty of the rules applicable to credits and tax activities as well as avoiding distortions of competition" in the EU. The Abi "strongly proposes the need to identify improvements" in the measures.
TODAY'S AUDITION:
The rule of the Maneuver that modifies "the temporal sequence of the compensations of the tax credits deriving from the communications of transfer or discount for Superbonus interventions" is "in contrast with what has been established by the Constitutional Court which considers it illegitimate to affect the economic calculation of companies "now for then", said the ABI general manager. Rottigni recalls how "the quota usable in 2027 would be divided into ten annual instalments. The measure would intervene with respect to credits acquired on the basis of a use calendar already defined by law and would modify their economic and financial values and, therefore, would appear to be on a par with a forced restructuring of a state debt". For the banks "there would be significant negative effects on the income statements, on assets, on liquidity which is associated with a further cost associated with inflation".
"That the ABI can complain about having lost money with the Superbonus seems a bit excessive to me": this is how the economic manager of FdI, Marco Osnato, replies to the reporters who ask him in the Chamber about the ABI's observations on the measure. "I understand that now they will make a further small sacrifice - he adds - but I don't think it has such an impact compared to what it was in the times when they could buy credits". In short, he adds, "we always bring everything back to the real context in which we live. The observations are correct, everything is correct, then I believe that if we do a global analysis of the relationship between banks and tax authorities with respect to the superbonus, I don't think it was a missed opportunity by the banks".
INPS, it is possible to extend the New Born Fund to payments for minor children
The position of the 'new born fund' could also be open to families with minor children, allowing them, even without the contribution of 100 euros from the State, to be able to make voluntary payments by applying the 19% tax deduction foreseen up to 1,000 euros. This is one of the indications that emerged during the hearing of the general director of the INPS Valeria Vittimberga who calculated a cost of 45 million in 2028 but also the possibility of avoiding a disparity between brothers for the new instrument envisaged by the maneuver, considered "the most innovative measure". "Families with minor children born before 2027 - said Vittimberga - could have the same interest in building long-term savings for them. These families could also be allowed to open a position and make voluntary payments by applying the same deduction, even without the public contribution of 100 euros. The cost for public finances would remain limited to the deduction: an increase in lower revenues of the order of 45 million euros from 2028, decreasing to zero starting from 2046. For example, a disparity between siblings born before and after 2027 would be avoided".
Confcommercio: 'The maneuver on taxes and employment is good, but more is needed for consumption and businesses'
"The confirmation of some measures of the previous maneuver is good, in particular on the tax and labor front, such as the tax relief on contractual increases, the tax breaks for night, holiday and shift work and the supplementary treatment for tourism workers. But it is necessary to make the Irpef cut for the middle class structural, extend the second bracket up to 60 thousand euros, progressively tax-free the thirteenth and immediately reduce energy costs". This was stated by the vice president of Confcommercio, Donatella Prampolini, in a hearing on the 2027 budget maneuver, according to a note.
For the president of Confesercenti, Nico Gronchi, also at the hearing, "the end of the year is rapidly becoming more complicated from the point of view of the real economy, there is extremely strong pressure on consumption". Among the proposed amendments, Confesercenti proposes to eliminate the obligation of reasons, allowing the use of the acausal fixed-term contract up to a maximum duration of 24 months to allow tertiary and tourism companies to respond promptly to a market characterized by uncertainty and strong variability.
The 2027 budget law takes up the challenge of combining the maintenance of public accounts and safeguarding the country's credibility with development-oriented measures. But structural interventions are needed to reduce the costs borne by businesses and support competitiveness and investments: this is the position expressed today by Confartigianato, CNA and Casartigiani during the hearing on the economic measure.
