The EBA has launched its 2025 EU-wide Transparency Exercise, a recurring initiative aimed at offering consistent information on the health of major banks across Europe. This exercise complements banks’ own Pillar 3 disclosures under the EU Capital Requirements Directive (CRD), providing regulators, investors, and market participants with a standardized view of key financial metrics.

Notably, this exercise will rely solely on supervisory reporting data, thus not imposing any additional reporting obligations on banks. This approach mirrors past years’ exercises, which are intended to support market discipline without adding operational burdens for institutions.

In 2025, the exercise will encompass more than 100 large EU banks, covering areas such as capital positions, risk exposure amounts, financial assets, sovereign exposures, and overall asset quality. The data covers the third quarter of 2024 to the second quarter of 2025. According to EBA officials, the results are expected to be published in early December, coinciding with the release of the authority’s Risk Assessment Report (RAR).

Interactive tools for data exploration

Alongside the publication, interactive tools will be provided by the EBA to assist users in analyzing and comparing bank data over time, between countries, and across individual institutions. These tools are designed to make complex financial information more accessible to stakeholders, aiding in better-informed decisions regarding the EU banking sector.

Essentially, the Transparency exercise of the EBA will reveal detailed information on capital positions, financial assets, risk exposure amounts, sovereign exposures, and asset quality for the EU banking sector during the latter half of 2024 and the first half of 2025.