Preparing for the 2026 Pillar 3 Data Hub: what banks need to know
In 2026, the European Banking Authority will introduce a major shift in how banks publish their Pillar 3 disclosures. The new Pillar 3 Data Hub (P3DH) will replace the traditional national publication channels and become the central point where all European banks submit and publish their public risk and capital information
Why P3DH matters
The P3DH aims to improve transparency and comparability across the EU banking sector. By requiring all banks to submit standardised, machine-readable data, the platform will provide easier access for analysts, investors and regulators. Benchmarking, peer comparison and risk-profile analysis will become more accurate and more frequent – raising expectations around data quality and internal governance.
What changes for banks in 2026
Under the new framework, banks must:
- Produce quantitative Pillar 3 information in xBRL-CSV
- Include the accompanying PDF narrative in the submission package
- Generate a structured ZIP file following EBA naming and packaging rules
- Pass EBA-led validation ensuring the data matches supervisory filings
- Consider specific requirements for small and non-complex institutions (SNCI)
- Adapt to the broader transition to xBRL-CSV for national filings (including ACPR)
These changes mean banks must move toward automated, end-to-end reporting processes – manual preparation will no longer be viable.
How UBPartner supports the transition
UBPartner provides banks with a complete toolchain for managing the 2026 Pillar 3 requirements. The XT Platform automates xBRL-CSV generation, builds compliant submission packages, performs all required validations and integrates seamlessly with internal systems. This reduces operational risk, ensures data consistency and accelerates the publication process.
