Guide to Navigating the Integrated Reporting Framework (IReF)
The European Central Bank’s (ECB) Integrated Reporting Framework (IReF) aims to harmonise and streamline statistical reporting requirements across the euro area. By consolidating existing reporting obligations into a standardised framework, IReF seeks to reduce duplication, improve data quality and comparability, and lower the reporting burden on banks.
Through the collection of more granular data, the ECB will take greater responsibility for aggregation and analysis, allowing a single, consistent dataset to support multiple reporting requirements. This represents a significant shift in how banks manage regulatory data, placing greater emphasis on data standardisation, quality and efficient reporting infrastructure.
The European Central Bank's (ECB) Integrated Reporting Framework (IReF) is reshaping statistical reporting across the euro area, bringing existing reporting requirements into a more harmonised and standardised framework. By consolidating AnaCredit, Balance Sheet Items (BSI), Securities Holdings Statistics by Sector (SHS-S) and MFI Interest Rate Statistics (MIR), IReF aims to reduce duplication, improve data consistency and create a more efficient reporting environment for banks.
As the framework moves through its implementation phase, recent ECB industry workshops have provided greater clarity on its technical architecture, reporting scope and implementation requirements. The November 2026 technical workshop offered further insight into the Logical Data Model (LDM), the treatment of aggregated data, country-specific requirements and the role of the Banks' Integrated Reporting Dictionary (BIRD).
For banks, the focus is now shifting towards understanding how these developments will affect existing data infrastructure, reporting processes and implementation strategies.
IReF Implementation Timeline
Public consultation
Public consultation on the draft IReF Regulation, providing stakeholders with the opportunity to review and comment on the proposed framework.
Pilot phase begins
A one-year pilot phase begins, allowing reporting institutions to test their ability to meet IReF requirements and prepare for the transition.
Official IReF reporting begins
Reporting under IReF officially begins, followed by a parallel reporting period during which existing statistical reporting continues.
Preparing for the future of regulatory reporting
The transition to IReF represents an opportunity for banks to rethink how they manage, structure and report regulatory data.
Suade helps financial institutions modernise their regulatory reporting infrastructure through standardised data models, automated reporting processes and adaptable technology. By establishing a strong data foundation, banks can better prepare for evolving regulatory requirements while improving reporting efficiency, transparency and data quality.
Discover how Suade can support your IReF implementation journey; book a demo or register your interest in our IReF roundtable below.
Executive Roundtable: IReF, data and regulatory reporting | Tuesday, December 8th 2026 | Amsterdam
Join us for a private executive roundtable, followed by festive dinner and drinks. We'll be discussing the key developments of 2026 and what lies ahead for 2027, with a particular focus on data and IReF.