Pillar 3 Disclosure 2025: What’s New That EU Banks Need to Know

Pillar 3 disclosures are a core component of the Basel framework, designed to enhance transparency in the banking sector by requiring institutions to publicly disclose key information about their risk profile, capital adequacy, governance, and internal controls. These disclosures help promote market discipline by enabling stakeholders—regulators, investors, and the public—to better understand a bank’s exposure and financial strength.

Now, with the Capital Requirements Regulation 3 (CRR 3) coming into effect and the European Banking Authority (EBA) launching the new Pillar 3 Data Hub (P3DH), the landscape of Pillar 3 reporting is undergoing a significant transformation.

Starting in 2025, banks will be required to submit disclosures in structured, machine-readable XBRL CSV format, aligned with the latest DPM 4.1 taxonomy. While the EBA templates remain largely familiar, the shift toward automated, standardized reporting introduces new challenges for teams accustomed to manual processes and static PDFs.

In this blog, we break down what’s changing, what banks must now prepare for, and how Ez-XBRL simplifies the compliance journey—from raw data to P3DH-ready output.

Why Pillar 3 Compliance Is Non-Negotiable in 2025 

Starting June 30, 2025, banks and financial institutions need to disclose their risk and capital-related data in a standardized digital format. This isn’t just a regulatory checkbox—it’s about making your data transparent, comparable, and reliable. If you’re not ready, it could cost you—in penalties and in reputation.

It’s not just about regulatory fear—it’s about aligning your institution with a broader EU push toward digital and transparent finance. Pillar 3 is essentially the market’s window into your risk profile and financial health. Whether you’re dealing with capital adequacy, ESG exposure, or liquidity metrics, your stakeholders—from regulators to investors—need to be able to trust the numbers. That means no inconsistencies, no delays, and no outdated formats.

Overview of What’s New in CRR 3 and Pillar 3 Data Hub 

CRR 3 expands what banks need to report—think ESG data, crypto exposures, and detailed risk metrics. And instead of uploading reports only to your website, everything now goes to the P3DH, a centralized portal managed by the EBA. The goal? Uniformity and transparency across the EU banking sector.

This shift isn’t just administrative—it’s strategic. P3DH represents a key move toward creating a Single Access Point for financial and sustainability disclosures across the EU. It helps remove inconsistencies between what different banks report and provides one location where regulators and stakeholders can find consistent, verified, and comparable Pillar 3 reporting data.

For full details, refer to the EBA’s Pillar 3 Disclosure Guidelines.

CRR 3, Pillar 3 Data Hub, and New Submission Requirements

– You’ll need to submit reports in XBRL CSV format (for quantitative data) and human-readable, text-based PDFs (for narrative content—not scanned or image-based).

– Templates come pre-tagged by the EBA—no need to create anything from scratch

– Just update the values in the annotated templates, and you’re good to go

What Banks Must Now Disclose

– Capital adequacy ratios and RWAs

– ESG exposures, crypto assets, and shadow banking risks

– Qualitative disclosures about governance and risk strategies

Common Challenges in Pillar 3 Reporting with XBRL Tagging

Even if your team knows the templates inside out, Pillar 3 reporting with XBRL tagging introduces a new layer of complexity.

– Yes, the templates are pre-tagged and mapped—but updating them accurately still requires attention to detail

– Understanding EBA’s formatting and packaging rules can feel like a maze (ZIPs by module, file naming conventions, etc.)

– Coordinating across teams while avoiding overwrite errors takes planning

– Getting internal data to align with DPM 4.1 might take a few rounds

– Ensuring the correct structure and validation passes before submission can take extra time and effort if not automated

How Ez-XBRL Simplifies Pillar 3 Reporting

From Raw Data to Ready Submission Ez-XBRL provides templates that are already mapped to DPM 4.1—these are the official EBA formats, built right into our platform. All you have to do is input your institution’s values into the Pillar 3 reporting templates—no manual XBRL tagging needed. No tagging. No overlays. No technical headaches.

You don’t need a full tech team or internal tooling to handle CRR 3 requirements. You just need access to your numbers—and Ez-XBRL handles the rest. Our software takes care of the formatting, validation, and packaging for P3DH.

Key Features That Simplify Pillar 3 Disclosure and XBRL Reporting

Ez-XBRL is designed to reduce the technical burden of Pillar 3 disclosure compliance by offering smart tools and built-in validations. From guided onboarding to modular access controls, every feature is built to simplify your journey from raw data to P3DH-ready output.

– Role-Based Access: Assign users to specific modules. Work in parallel without data conflicts.

– Entry Alerts: Get notified if someone else is working on a section—no overwrites, no confusion.

– Filing Date Visibility: Submission timelines are clearly displayed within the interface—no alarms, just awareness.

– Validation Built-In: Files are checked against EBA’s validation rules before export, minimizing rework.

– DPM 4.1 Compliance: All templates are aligned with the EBA’s latest taxonomy so your output is always accurate and up-to-date.

Delivery Options That Fit Your Needs

Whether you’re an in-house team with XBRL experience or starting fresh, Ez-XBRL offers multiple ways to get the job done—faster, smarter, and stress-free.

– Self-Service: Access pre-tagged EBA templates. Simply update your values, generate compliant files, and submit.

– Hybrid Service: Let us handle the technical mapping while your team updates select values. Shared access ensures collaboration.

– Full-Service: We do it all—from data population to final output—based on the templates and data you provide.

– Support Add-On: Already working on it internally? We offer expert support to troubleshoot and validate your submission process.

Time and Resource Savings

– No need for an in-house XBRL team

– Minimal training required—non-technical users welcome

– Cuts down on errors and review time

– Fast onboarding, quick validation, and minimal back-and-forth

What Your Team Needs to Prepare

– Familiarize your reporting team with the XBRL CSV format and DPM 4.1 structure required for Pillar 3 reporting

– Review how to update values correctly in the pre-tagged EBA templates

– Assign user roles and define access permissions

– Set up your internal workflows and permissions ahead of submission deadlines

What Tools to Adopt

– Use Ez-XBRL’s ready-to-update templates with full validation support

– Decide on the working model—do-it-yourself, hybrid, or full-service

– Ensure team-wide access to the platform and training where needed

When to Start

– Start now to avoid the last-minute crunch

– Set up training, access, and internal coordination well ahead of filing windows

– Identify which modules apply to your institution and assign internal leads for each

Finally

With the Pillar 3 submission deadline looming and XBRL tagging now a must, the time to act is now. Ez-XBRL makes the reporting process painless, fast, and compliant—so you can focus on what matters. Ready to see it in action? Book a demo or walkthrough today.

FAQs on Pillar 3 XBRL Reporting

Q1. What is the deadline for Pillar 3 XBRL CSV submissions?
A: The first mandatory submission date is June 30, 2025, for large banks under CRR 3. Smaller institutions follow in late 2025 and 2026.

Q2. Who needs to submit reports to the P3DH?
A: EU-based banks and financial institutions falling under the CRR 3 scope must submit Pillar 3 disclosures via the EBA’s Pillar 3 Data Hub (P3DH).

Q3. What is DPM 4.1 in Pillar 3 reporting?
A: DPM 4.1 is the EBA’s structured Data Point Model that defines the technical format, structure, and taxonomy used in XBRL CSV reporting.

Q4. What is XBRL CSV and why does it matter?
A: XBRL CSV is a machine-readable data format that allows regulators to analyze disclosures efficiently. It’s mandatory under the new CRR 3 rules.

Q5. Can I still submit Pillar 3 reports via my website?
A:  Yes, for now. Until December 31, 2025, banks are allowed to continue uploading Pillar 3 reports to their own websites alongside submitting to the EBA’s Pillar 3 Data Hub (P3DH). However, starting in 2026, P3DH will become the sole mandatory channel for all disclosures.

Ready to Simplify Your Pillar 3 Reporting?

Let Ez-XBRL help you get compliant—without the technical stress.
Whether you prefer self-service, full support, or a hybrid approach, we’ve got you covered.

Book a Free Walkthrough and see how it works.