In early 2025, a quiet revolution in European supervisory reporting moved from planning into execution. The European Banking Authority (EBA) rolled out its new Data Point Model (DPM) version 2.0, also known as reporting framework 4.0, into production with an unexpected change in schedule. The release happened nine months ahead of the original deadline, which had been set at the end of 2025. For number of banks, the initial gradual transition turned into a tighter schedule than planned.
With updated glossary terms, taxonomy, and modified validation logic, banks had to respond quickly. This meant allocating resources, adjusting internal reporting processes, and potentially seeking third-party solutions that were already prepared for the new requirements.
Following the major 2.0 update, new framework 4.1 has already released which introduced new guidelines for MiCAR reporting for institutions managing crypto currencies, minor amendments to ESG ad-hoc collection and full set of Pillar 3 templates. The most significant of these changes was the Pillar 3 templates, which form a vital part of new Pillar 3 Data Hub that the EU and EBA are introducing as part of their strategy to enhance transparency and market discipline.
If these changes are not overwhelming enough, framework 4.2 is already on the way and expected to apply in the fourth quarter of 2025. The update introduces comprehensive revision of the reporting ITS on Resolution planning, additional reporting requirements to COREP OF in relation to CRR3 and CRD6, as well as the integration of Instant Payments reporting into DPM and taxonomy. With this track record of EBA pushing out new regulatory frameworks, banks’ regulatory processes and procurement are under continuous pressure, requiring agility, resources, and planning for future.
From catching up to staying ahead in regulatory reporting
For many 2025 has been a wake-up call and while majority are still adapting to recent changes, the focus should already shift towards 2026. Reporting framework 4.3, expected to be released in the second quarter of 2026 and apply at the end of the year, continues the trend of frequent updates with changes to various reports. This indicates that EBA is maintaining its momentum, and banks must ensure their internal processes keep pace. But how can this be achieved?
Some might say these changes are minor in practice as they come in intervals. Still, each one adds to the overall workload. By the time the report is finalized, a significant amount of time and resources has gone into understanding the changes, planning, implementing new processes, and completing the report itself. In the end, a bank may find that thousands of euros have been spent on something mandatory that adds no real value to operations. This is serious pain point that we are here to solve.
DPM Manager helps you navigate regulatory changes
Thanks to our regulatory reporting experts and close collaboration with our clients, we have been able to stay ahead of the curve with the latest updates to the EBA DPM model and develop a solution that does not just respond but is pre-emptive to these changes. Our solution is DPM Manager, a software designed to make reporting more efficient, accurate and easy.
DPM Manager can read any DPM-based report, validate figures, highlight potential errors, and convert reports into required XBRL-CSV format. One thing to highlight is that when a new EBA framework releases, it is updated to DPM Manager. This helps reduce the reporter’s manual workload significantly and let them focus on the core operations.
Our aim is to create value from regulatory reporting. With its centralised database function, DPM Manager enables banks to store their reported data for later use. By using customisable Power BI dashboards, banks can track and analyse figures, create various risk and cash flow scenarios, set up triggers for deviating values and timelines, create internal reports and much more. Together with our clients, we continue to develop new ways to make the most of these capabilities.
Shaping the future of regulatory reporting
As we continue our regulatory reporting journey from 2025 into 2026, we can be sure that regulatory reporting is evolving beyond compliance. It is increasingly about reporting agility, data governance, and the ability to adapt to changes. Banks that embrace this shift by modernising outdated systems, adopting new reporting processes, planning procurement, and integrating change into daily operations can achieve considerable time and cost savings. Without the right tools and planning, the burden of constant changes can quickly grow.
That is why we at ALM Partners are committed to support our clients in this change by providing DPM Manager, a reporting solution built to be effective, comprehensive, and focused on creating real value.
References
European Banking Authority. Referenced in October 2025. Reporting frameworks | European Banking Authority
European Banking Authority. Referenced in October 2025. Pillar 3 data hub | European Banking Authority
