The report examines the European Banking Authority's (EBA) efforts to improve the efficiency of the EU regulatory and supervisory framework by reducing reporting costs and simplifying requirements. In 2025, the EBA conducted a stocktake of supervisory data requests made to credit institutions, highlighting the diversity of requests and their use for both micro and macroprudential purposes. This report prepares for…
The document is a report entitled “Report on national data collections,” published in 2026 by the European Banking Authority (EBA). It concerns national requests for microprudential data addressed to credit institutions in the European Economic Area (EEA) during 2025. The scope covers structured data requests supervised by national competent authorities, excluding requests from resolution authorities, and excludes payment institutions, electronic money institutions, third-country branches, and investment firms. The report also analyses simplification measures implemented or planned by these authorities to reduce the reporting burden.
The EBA report presents a comprehensive analysis of microprudential data requests addressed to banks by national competent authorities in the EEA in 2025, totaling 671 structured requests and 978,109 requested data points (p. 3, 6). These requests add to the EBA harmonized reporting requirements and mainly cover credit and counterparty risks, liquidity and solvency, as well as less harmonized areas such as business model analysis (p. 8-9). The majority of requests are regular and recurrent, with quarterly, annual, or monthly frequencies, while ad hoc requests are rare (15 requests) (p. 9-10). The collected data are primarily used for microprudential supervision, but a significant share is used for multiple purposes, including macroprudential and statistical, illustrating a trend towards data pooling (p. 8). The report highlights significant disparities between jurisdictions in the number and volume of requests, notably in Single Supervisory Mechanism (SSM) countries where banks face multi-level collections (p. 3, 6). Regarding simplification, about 25% of national requests are subject to measures such as decommissioning, reduction of data points, frequency, or reporting population, leading to an estimated 17.4% reduction of data points requested by national authorities and 18.5% for SSM collections (p. 4, 10-12). The report prepares the establishment of a European public repository of data requests, expected in early 2027, aiming to increase transparency, coordination, and reduce redundancies while preserving supervisory effectiveness (p. 3, 4).
This report is part of the EBA’s approach to improve the efficiency of the European banking regulatory and supervisory framework, in line with its report on the efficiency of the regulatory and supervisory framework (p. 5). The objective is to reduce reporting costs for banks and simplify requirements, not only at the European level but also nationally. To this end, the EBA conducted an inventory of microprudential data requests addressed by national competent authorities in 2025, to improve transparency and understanding of the scale and nature of these collections. This work prepares the creation of a European public repository of data requests, which will allow better coordination and accountability of authorities. The scope excludes requests from resolution authorities and non-microprudential data, as well as requests addressed to certain types of institutions (p. 5-6, 14).
- Volume and nature of requests: In 2025, 671 structured requests were addressed to banks in the EEA, totaling 978,109 modeled data points. These requests add to the 92,000 data points of the EBA harmonized framework and the 444,280 points of the European stress test exercise (p. 6-7).
- Geographic distribution: 185 requests (110,787 points) come from national authorities outside the SSM. In SSM jurisdictions, banks face 46 SSM-wide collections (533,216 points), 202 national collections (109,533 points), and 238 collections by joint supervisory teams (224,573 points) (p. 6).
- Data purposes: 546 requests (382,341 points) are exclusively microprudential, while 125 requests (595,768 points) serve multiple purposes, notably macroprudential and statistical, illustrating a multipurpose use of data (p. 8).
- Covered topics: Requests mainly concern credit and counterparty risk (226 requests, 709,865 points), liquidity risk (103 requests, 82,308 points), and capital adequacy (65 requests, 18,687 points), all well covered by the EBA framework. Business model analysis (51 requests, 56,491 points) is a less harmonized area and is subject to complementary national requests (p. 8-9).
- Request frequency: The majority of requests are regular, with quarterly, annual, or monthly frequencies. Ad hoc requests are few (15 requests, 17,890 points), while weekly or daily requests represent 61 requests (41,581 points) (p. 9-10).
- Simplification: 98 national requests (25.3% of national authority requests) are subject to simplification measures such as decommissioning, reduction of data points, frequency, or reporting population. These measures lead to an estimated 17.4% reduction of data points requested by national authorities, to which SSM simplifications estimated at 18.5% are added (p. 10-12).
- Outlook: Additional simplifications are envisaged, notably the integration of certain national data into the EBA harmonized framework, such as the gradual removal of national liquidity-related collections (p. 13).
- Established facts: In 2025, 671 structured requests were addressed to banks in the EEA, representing 978,109 data points. The majority of requests are regular and used for microprudential supervision, with a significant share of data used for multiple purposes. Implemented or planned simplifications should reduce the volume of requested data by about 17.4% at the national level and 18.5% for SSM collections (p. 3-4, 6-12).
- Assumptions: The count of data points is based on modeled or defined points, without considering reporting frequency or the number of institutions involved, which may affect the estimation of the actual burden (p. 4, 14).
- Interpretations: The coexistence of national and European requests, as well as the diversity of data use purposes, highlights the complexity of the reporting landscape and the need for better coordination and harmonization. The establishment of a European public repository is a key lever to improve transparency and reduce redundancies (p. 3-4).
- Uncertainties: The quality and consistency of reported data depend on national authorities, and some simplifications are still under discussion without definitive results. Moreover, as the public repository is not yet operational, figures may evolve (p. 4, 11, 14).
The EBA confirms the relevance of continuing its work on transparency, coordination, and simplification of supervisory data collections at the European level. The report highlights that simplification measures already implemented or planned contribute to a significant reduction in the volume of requested data, thus alleviating the burden on institutions. The creation of a European public repository of data requests, planned for early 2027, is a central element to strengthen transparency and facilitate coordination among authorities. This repository will also better identify duplications and encourage data reuse, while maintaining supervisory effectiveness. The EBA and competent authorities will continue to work together to improve the quality and consistency of collected data and to extend simplifications, notably by integrating more national needs into the European harmonized framework (p. 3-4, 13).
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