EBA Launches 2025 EU-Wide Transparency Exercise to Strengthen Market Discipline

The European Banking Authority (EBA) has announced the launch of its 2025 EU-wide Transparency Exercise, reinforcing its commitment to greater market discipline and confidence in the European financial system. The initiative will provide investors, analysts and the wider public with consistent and comparable data on the financial health of over 100 major EU banks.

Covering the period from the third quarter of 2024 to the second quarter of 2025, the disclosure will include detailed information on capital positions, risk exposure amounts, sovereign exposures, financial assets and asset quality. The results are scheduled for publication in early December, alongside the EBA’s Risk Assessment Report (RAR).

As with previous editions, the exercise is based entirely on supervisory reporting data, avoiding additional reporting obligations for participating banks. To further improve accessibility, the EBA will release interactive tools that allow users to explore and compare the data by bank, country and time period.

Since its introduction in 2011, the EU-wide Transparency Exercise has become a cornerstone of European banking supervision. It complements banks’ own Pillar 3 disclosures under the EU Capital Requirements Directive (CRD) and supports the EBA’s bi-annual stress tests. Since 2019, quarterly disclosures have expanded the volume and granularity of data, providing deeper insights into capital strength, risk exposure and resilience across the banking sector.

By maintaining transparency and strengthening public trust, the 2025 exercise underscores the EBA’s role in safeguarding financial stability in the EU.

Read the press release here.