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modules/centrale-rischi-review/evals/gold_official_cases.json
22.6 KB · Oct 4, 2026 · 12:28 UTC
{
"schema_version": "vera.centrale_rischi_gold_benchmark.v1",
"workflow_id": "centrale-rischi-review",
"sources": {
"official_guide": {
"sha256": "b5e2b059ff482a2ec142ac7901f09f4d392fbe2191ffaf86ad14dae05a1a307e",
"page_count": 41,
"role": "Banca d'Italia official guide with separate educational examples",
"url": "https://www.bancaditalia.it/servizi-cittadino/servizi/accesso-cr/Il_prospetto_della_Centrale_dei_rischi_Guida_alla_lettura.pdf"
},
"official_plain_guide": {
"sha256": "0360543e706b0ea8ff3c2109b1bd93cec0712025eb0ebc2a70dfe0b51553466e",
"page_count": 24,
"role": "Banca d'Italia narrative guide used as a negative layout control",
"url": "https://www.bancaditalia.it/pubblicazioni/guide-bi/guida-centrale/guida-centrale-rischi.pdf"
}
},
"negative_control_sources": [
"official_plain_guide"
],
"mapping_profiles": {
"modern": {
"original_term": {
"": "not_relevant",
"Oltre cinque anni": "long"
},
"residual_term": {
"": "not_relevant",
"Oltre 1 anno": "over_one_year"
},
"exposure_family": {
"GARANZIE CONNESSE CON OPERAZIONI DI NATURA COMMERCIALE": "other",
"GARANZIE CONNESSE CON OPERAZIONI DI NATURA FINANZIARIA": "other",
"RISCHI A REVOCA": "performing",
"RISCHI A SCADENZA": "performing",
"SOFFERENZE": "suffering"
}
}
},
"extraction_cases": [
{
"case_id": "official_event_p9",
"source_id": "official_guide",
"pages": [
9
],
"row_counts": {
"inframonthly_events": 1
},
"expected_rows": {
"inframonthly_events": [
{
"intermediary": "BANCA QUATTRO",
"event_date": "30/06/2021",
"event_type": "SOFFERENZE",
"event_cancelled": "NO"
}
]
}
},
{
"case_id": "official_exposures_p10",
"source_id": "official_guide",
"pages": [
10
],
"row_counts": {
"exposures": 2
},
"expected_rows": {
"exposures": [
{
"reference_month": "2021-05",
"intermediary": "BANCA UNO",
"category": "RISCHI A SCADENZA",
"granted": "100000",
"operational_granted": "100000",
"used": "100000",
"record_status": "current"
},
{
"reference_month": "2021-05",
"intermediary": "BANCA UNO",
"category": "GARANZIE CONNESSE CON OPERAZIONI DI NATURA FINANZIARIA",
"granted": "190000",
"operational_granted": "190000",
"used": "190000",
"record_status": "current"
}
]
}
},
{
"case_id": "official_guarantor_debtor_p11",
"source_id": "official_guide",
"pages": [
11
],
"row_counts": {
"exposures": 1,
"guarantors": 1,
"ceded_debtors": 1
},
"expected_rows": {
"exposures": [
{
"category": "RISCHI A SCADENZA",
"granted": "100000",
"used": "100000"
}
],
"guarantors": [
{
"guarantor": "NUOVA INDUSTRIA (codice censito 11111111)",
"guarantee_value": "50000",
"guaranteed_amount": "40000"
}
],
"ceded_debtors": [
{
"ceded_debtor": "NUOVA INDUSTRIA (codice censito 1111111111)",
"nominal_value": "20000"
}
]
}
},
{
"case_id": "official_previous_p12",
"source_id": "official_guide",
"pages": [
12
],
"row_counts": {
"exposures": 1
},
"expected_rows": {
"exposures": [
{
"category": "RISCHI A REVOCA",
"used": "249491",
"record_status": "previous",
"valid_from": "02/07/2021",
"valid_to": "05/07/2021"
}
]
}
},
{
"case_id": "official_spv_p14",
"source_id": "official_guide",
"pages": [
14
],
"row_counts": {
"exposures": 1
},
"expected_rows": {
"exposures": [
{
"intermediary": "Società Veicolo (cfr. lista dei servicer)",
"category": "RISCHI A SCADENZA",
"original_duration": "Oltre cinque anni",
"residual_duration": "Oltre 1 anno",
"granted": "76087",
"operational_granted": "76087",
"used": "76087"
}
]
}
},
{
"case_id": "official_generic_request_p16",
"source_id": "official_guide",
"pages": [
16
],
"row_counts": {
"information_requests": 1
},
"issue_codes": [
"missing_intermediary"
],
"expected_rows": {
"information_requests": [
{
"intermediary": "",
"request_date": "02/04/2021",
"requested_period": "Marzo 2020",
"request_type": "PRIMA INFORMAZIONE",
"request_reason_code": "01",
"validity_period": "Da 02/04/2021 a 31/12/9999",
"extraction_confidence": "review_required"
}
]
}
},
{
"case_id": "official_facilities_p29",
"source_id": "official_guide",
"pages": [
29
],
"row_counts": {
"exposures": 2
},
"expected_rows": {
"exposures": [
{
"category": "RISCHI A SCADENZA",
"granted": "150000",
"operational_granted": "150000",
"used": "150000",
"guaranteed_amount": "150000"
},
{
"category": "RISCHI A REVOCA",
"granted": "12000",
"operational_granted": "12000",
"used": "0",
"guaranteed_amount": "0"
}
]
}
},
{
"case_id": "official_overrun_suffering_p31",
"source_id": "official_guide",
"pages": [
31
],
"row_counts": {
"exposures": 2
},
"expected_rows": {
"exposures": [
{
"intermediary": "BANCA UNO",
"category": "RISCHI A SCADENZA",
"granted": "150000",
"operational_granted": "150000",
"used": "170000",
"guaranteed_amount": "170000"
},
{
"intermediary": "BANCA DUE",
"category": "SOFFERENZE",
"granted": "0",
"operational_granted": "0",
"used": "80000",
"guaranteed_amount": "0"
}
]
}
},
{
"case_id": "official_guarantee_received_p32",
"source_id": "official_guide",
"pages": [
32
],
"row_counts": {
"guarantees_received": 1
},
"expected_rows": {
"guarantees_received": [
{
"reference_month": "2021-03",
"intermediary": "BANCA TRE",
"guaranteed_party": "VIOLA VERDI",
"guarantee_value": "130000",
"guaranteed_amount": "80000"
}
]
}
},
{
"case_id": "official_deleted_suffering_p33",
"source_id": "official_guide",
"pages": [
33
],
"row_counts": {
"exposures": 1
},
"expected_rows": {
"exposures": [
{
"category": "SOFFERENZE",
"used": "4000",
"record_status": "previous",
"valid_from": "02/08/2021",
"valid_to": "06/08/2021"
}
]
}
},
{
"case_id": "official_correction_p34",
"source_id": "official_guide",
"pages": [
34
],
"row_counts": {
"exposures": 2
},
"expected_rows": {
"exposures": [
{
"category": "RISCHI A SCADENZA",
"used": "45000",
"record_status": "current"
},
{
"category": "RISCHI A SCADENZA",
"used": "60000",
"record_status": "previous",
"valid_from": "02/08/2021",
"valid_to": "10/08/2021"
}
]
}
},
{
"case_id": "official_event_transition_p36",
"source_id": "official_guide",
"pages": [
36
],
"row_counts": {
"exposures": 1,
"inframonthly_events": 1
},
"expected_rows": {
"exposures": [
{
"reference_month": "2021-05",
"intermediary": "BANCA QUATTRO",
"category": "RISCHI A SCADENZA",
"granted": "0",
"operational_granted": "0",
"used": "40000"
}
],
"inframonthly_events": [
{
"intermediary": "BANCA QUATTRO",
"event_date": "10/06/2021",
"event_type": "SOFFERENZE",
"event_cancelled": "NO"
}
]
}
},
{
"case_id": "official_suffering_p37",
"source_id": "official_guide",
"pages": [
37
],
"row_counts": {
"exposures": 1
},
"expected_rows": {
"exposures": [
{
"reference_month": "2021-06",
"intermediary": "BANCA QUATTRO",
"category": "SOFFERENZE",
"granted": "0",
"operational_granted": "0",
"used": "40000"
}
]
}
},
{
"case_id": "official_requests_p39",
"source_id": "official_guide",
"pages": [
39
],
"row_counts": {
"information_requests": 4
},
"expected_rows": {
"information_requests": [
{
"intermediary": "BANCA UNO",
"request_date": "12/04/2021",
"request_reason_code": "02",
"request_reason": "RICHIESTA SU SOGGETTO COLLEGATO",
"notes": "IN CORSO DI VALIDITA’"
},
{
"intermediary": "BANCA UNO",
"request_date": "12/04/2021",
"request_reason_code": "01",
"request_reason": "RICHIESTA PER CONCESSIONE DI FIDO",
"notes": "CAUSALE VARIATA"
},
{
"intermediary": "BANCA DUE",
"request_date": "07/05/2021",
"request_type": "SERVIZIO DI INFORMAZIONE PERIODICA",
"notes": "IN CORSO DI VALIDITA’"
},
{
"intermediary": "BANCA TRE",
"request_date": "18/06/2021",
"validity_period": "Da 18/06/2021 a 20/06/2021",
"notes": "ANNULLATA"
}
]
}
}
],
"analysis_cases": [
{
"case_id": "analysis_official_p10",
"extraction_case_id": "official_exposures_p10",
"source_id": "official_guide",
"pages": [
10
],
"entity": "Caso didattico ufficiale — pagina 10",
"analysis_objective": "Verificare esposizioni per cassa e di firma senza confonderne la natura.",
"mapping_profile": "modern",
"control_totals": {
"granted": "290000",
"operational_granted": "290000",
"used": "290000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"source_counts": {
"current_row_count": 2,
"previous_row_count": 0
},
"metrics": {
"cr.total_granted": "290000",
"cr.total_used": "290000",
"cr.available_resources": "0",
"cr.overrun_amount": "0",
"cr.original_term.long_share_pct": "34.48"
},
"population_counts": {
"exposures": 2,
"overruns": 0
}
}
},
{
"case_id": "analysis_official_p11",
"extraction_case_id": "official_guarantor_debtor_p11",
"source_id": "official_guide",
"pages": [
11
],
"entity": "Caso didattico ufficiale — pagina 11",
"analysis_objective": "Verificare la separazione tra esposizione, garante e debitore ceduto.",
"mapping_profile": "modern",
"control_totals": {
"granted": "100000",
"operational_granted": "100000",
"used": "100000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"source_counts": {
"current_row_count": 1,
"previous_row_count": 0
},
"metrics": {
"cr.total_used": "100000",
"cr.original_term.long_share_pct": "100",
"cr.overrun_amount": "0"
},
"population_counts": {
"guarantors": 1,
"ceded_debtors": 1
}
}
},
{
"case_id": "analysis_official_p12_rejected",
"extraction_case_id": "official_previous_p12",
"source_id": "official_guide",
"pages": [
12
],
"entity": "Caso didattico ufficiale — pagina 12",
"analysis_objective": "Verificare che una sola riga precedente non diventi esposizione corrente.",
"mapping_profile": "modern",
"expected": {
"outcome": "rejected",
"error_contains": "no current records"
}
},
{
"case_id": "analysis_official_p14",
"extraction_case_id": "official_spv_p14",
"source_id": "official_guide",
"pages": [
14
],
"entity": "Caso didattico ufficiale — pagina 14",
"analysis_objective": "Verificare una esposizione gestita tramite società veicolo.",
"mapping_profile": "modern",
"control_totals": {
"granted": "76087",
"operational_granted": "76087",
"used": "76087"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"metrics": {
"cr.total_used": "76087",
"cr.available_resources": "0",
"cr.original_term.long_share_pct": "100"
},
"population_counts": {
"exposures": 1
}
}
},
{
"case_id": "analysis_official_p29",
"extraction_case_id": "official_facilities_p29",
"source_id": "official_guide",
"pages": [
29
],
"entity": "Caso didattico ufficiale — pagina 29",
"analysis_objective": "Verificare accordato, utilizzato, margine e garanzia collegata.",
"mapping_profile": "modern",
"control_totals": {
"granted": "162000",
"operational_granted": "162000",
"used": "150000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"metrics": {
"cr.total_granted": "162000",
"cr.total_used": "150000",
"cr.available_resources": "12000",
"cr.guarantee_coverage_pct": "100",
"cr.overrun_amount": "0"
},
"population_counts": {
"guarantees": 1,
"overruns": 0
}
}
},
{
"case_id": "analysis_official_p31",
"extraction_case_id": "official_overrun_suffering_p31",
"source_id": "official_guide",
"pages": [
31
],
"entity": "Caso didattico ufficiale — pagina 31",
"analysis_objective": "Separare lo sconfinamento della linea performing dalla sofferenza.",
"mapping_profile": "modern",
"control_totals": {
"granted": "150000",
"operational_granted": "150000",
"used": "250000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"metrics": {
"cr.total_used": "250000",
"cr.overrun_amount": "20000",
"cr.overrun_count": 1,
"cr.guarantee_coverage_pct": "68",
"cr.top_intermediary_share_pct": "68",
"cr.original_term.long_share_pct": "68"
},
"population_counts": {
"exposures": 2,
"guarantees": 1,
"overruns": 1
}
},
"required_context_facts": [
{
"intermediary": "BANCA UNO",
"risk_category": "RISCHI A SCADENZA",
"used": "170000",
"overrun": "20000"
},
{
"metric_id": "cr.category.e7a8d198a5.used",
"value": "80000"
}
]
},
{
"case_id": "analysis_official_p32_rejected",
"extraction_case_id": "official_guarantee_received_p32",
"source_id": "official_guide",
"pages": [
32
],
"entity": "Caso didattico ufficiale — pagina 32",
"analysis_objective": "Verificare che una garanzia ricevuta non venga trasformata in esposizione del soggetto.",
"mapping_profile": "modern",
"expected": {
"outcome": "rejected",
"error_contains": "no data rows"
}
},
{
"case_id": "analysis_official_p33_rejected",
"extraction_case_id": "official_deleted_suffering_p33",
"source_id": "official_guide",
"pages": [
33
],
"entity": "Caso didattico ufficiale — pagina 33",
"analysis_objective": "Verificare che una sofferenza cancellata e solo precedente non entri nei totali correnti.",
"mapping_profile": "modern",
"expected": {
"outcome": "rejected",
"error_contains": "no current records"
}
},
{
"case_id": "analysis_official_p34",
"extraction_case_id": "official_correction_p34",
"source_id": "official_guide",
"pages": [
34
],
"entity": "Caso didattico ufficiale — pagina 34",
"analysis_objective": "Verificare che la rettifica storica non alteri i totali correnti.",
"mapping_profile": "modern",
"control_totals": {
"granted": "45000",
"operational_granted": "45000",
"used": "45000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"source_counts": {
"current_row_count": 1,
"previous_row_count": 1
},
"metrics": {
"cr.total_used": "45000",
"cr.overrun_amount": "0",
"cr.previous_record_count": 1,
"cr.original_term.long_share_pct": "100"
},
"population_counts": {
"exposures": 2,
"overruns": 0
}
},
"required_context_facts": [
{
"record_status": "previous",
"used": "60000",
"valid_from": "02/08/2021",
"valid_to": "10/08/2021",
"source_row_locator": "page:34:table:3:row:2"
}
]
},
{
"case_id": "analysis_official_transition_p36_37",
"source_id": "official_guide",
"pages": [
36,
37
],
"entity": "Caso didattico ufficiale — pagine 36-37",
"analysis_mode": "trend",
"analysis_objective": "Rappresentare la sequenza documentata tra evento inframensile e categorie mensili senza inferire causalità.",
"mapping_profile": "modern",
"control_totals": {
"granted": "0",
"operational_granted": "0",
"used": "40000"
},
"expected": {
"outcome": "analysis",
"status": "complete",
"source_counts": {
"current_row_count": 2,
"previous_row_count": 0
},
"metrics": {
"cr.total_used": "40000",
"cr.overrun_amount": "0",
"cr.used_mom_change": "0",
"cr.category.e4f5aa0378.used_change": "-40000",
"cr.category.e7a8d198a5.used_change": "40000"
},
"population_counts": {
"inframonthly_events": 1,
"overruns": 0
}
},
"required_context_facts": [
{
"risk_category": "RISCHI A SCADENZA",
"prior_used": "40000",
"latest_used": "0",
"used_change": "-40000",
"presence": "absent_in_latest"
},
{
"risk_category": "SOFFERENZE",
"prior_used": "0",
"latest_used": "40000",
"used_change": "40000",
"presence": "new_in_latest"
},
{
"event_date": "10/06/2021",
"event_type": "SOFFERENZE",
"event_cancelled": "NO"
}
]
}
],
"semantic_rubric": {
"scale": "0=unusable, 1=major defects, 2=material caveats, 3=good professional draft, 4=excellent professional draft",
"pass_rule": "Every dimension must score at least 3 and there must be no blocking finding.",
"dimensions": {
"factual_accuracy": "Every number, date and population statement is supported by the model context.",
"evidence_bounding": "Facts, hypotheses, unknowns and limitations remain distinct; no causal or rating claim is invented.",
"professional_usefulness": "The draft explains what matters to a commercialista beyond restating totals.",
"prioritization": "Material exceptions, corrections, category changes and coverage gaps are surfaced before minor detail.",
"uncertainty_discipline": "Missing evidence and alternative explanations are explicit.",
"actionability": "Questions and next checks are specific, evidence-linked and proportionate."
}
},
"semantic_review_cases": [
{
"case_id": "analysis_official_transition_p36_37",
"required_topics": [
"May category",
"June category",
"inframonthly event date",
"aggregate sequence rather than proven row-level reclassification"
],
"known_failure_modes": [
"claiming the event caused the monthly classification",
"saying total debt increased when it did not"
]
},
{
"case_id": "analysis_official_p31",
"required_topics": [
"20,000 overrun on performing exposure",
"80,000 suffering is separate and not an overrun",
"68 percent guarantee coverage and concentration are arithmetic descriptions"
],
"known_failure_modes": [
"calling suffering an overrun",
"netting suffering against available margin",
"inferring bank rating"
]
},
{
"case_id": "analysis_official_p34",
"required_topics": [
"45,000 current used",
"60,000 previous corrected used",
"previous row excluded",
"no current overrun"
],
"known_failure_modes": [
"including both rows in current totals",
"describing the correction as a current delay"
]
}
],
"limitations": [
"This default corpus uses two public Banca d'Italia guides downloaded on 6 September 2026. It tests the represented official examples, not every client report layout.",
"The historical, webinar and synthetic cases remain in gold_cases.json as an optional extended corpus; their availability does not block this official-document benchmark.",
"Numerical expectations are retained from the reviewed official examples. Commentary review remains distinct from extraction and arithmetic checks."
]
}
SHA-256: 23c68870dc5abfd5c3da3ffce6843f1d15c1bc1af4abdf48793ce4bd9bd03501