IRIS iDEAL® – Your XBRL Reporting Partner for Banking Compliance in France

As Europe continues its rapid evolution in financial regulation – driven by the European Banking Authority (EBA), Single Resolution Board (SRB), and national authorities like the Banque de France and ACPR – French banks find themselves at the intersection of regulatory stringency and data-driven scrutiny. 

With mandates like AnaCredit, CREDITIMMO, MREL/TLAC, and COREP/FINREP evolving rapidly, institutions must grapple with granular data requirements, frequent taxonomy changes, and tighter submission deadlines. Add to this the complexity of aligning both national and European regulatory expectations—and it becomes clear: traditional, fragmented approaches to reporting simply no longer sustainable. 

IRIS iDEAL® offers complete banking compliance in France, a transformative path forward – a robust, on-cloud/ on-premise XBRL engine engineered specifically to support the comprehensive compliance requirements of banking institutions operating within France’s stringent regulatory mandates. while being agile enough for the pan-European compliance landscape. Built on two decades of global RegTech expertise, iDEAL® empowers banks to move beyond spreadsheet chaos, reduce compliance risks, and deliver accurate, timely reports with confidence. 

Banks in France face multifaceted regulatory hurdles that demand more than just manual effort and last-minute scrambles: 

• Volume and Variety of Reports: Reports for capital, credit, liquidity, and operational data must be submitted to ACPR, Banque de France, and European bodies – each with unique formats and timelines. 

• Frequent Taxonomy Updates: With continuous EBA and SRB taxonomy changes, maintaining up-to-date compliance becomes a daunting task. 

• High Data Granularity: Mandates like AnaCredit and CREDITIMMO require loan-level detail, often from disparate systems – making manual compilation error-prone and inefficient. 

• Lack of System Integration: Siloed data sources and inconsistent data formats hinder seamless report generation. 

• Manual Workload and Error Risk: Human errors in data preparation, validation or transformation can result in data errors, rejections, noncompliance, audit flags, or worse – regulatory penalties. 

• Short Submission Timelines: Institutions often struggle to validate and finalize reports within mandated timeframes. 

IRIS iDEAL® offers pre-configured, regulation-specific modules designed to streamline compliance for every major French and EU regulatory mandate. Here’s how it empowers institutions: 

• COREP – Covers CRD/CRR capital and risk reporting. 

• FINREP – Automates financial statements reporting ensuring alinement with both IFRS or French GAAP. 

• LCB-FT – Ensures structured reporting for AML/CTF mandates. 

• AnaCredit – Handles granular loan-level datasets with built-in validation for data accuracy. 

• MREL/TLAC – Prepares resolution and recovery reports adhering to SRB standards. 

• CREDITIMMO – Automates real estate and housing loan data conversion. 

• RUBA – Structures operational banking reports. 

• SRB Reporting – Streamlines Liability Data Reports (LDRs) and other systemic risk submissions. 

• Collecte Bureautique – Standardizes miscellaneous Excel/CSV-based Banque de France reports. 

IRIS iDEAL® is more than a reporting tool – it’s a complete compliance framework tailored for the modern banking environment. 

• Integrate 

Seamlessly connect with core banking systems, databases, Excel, CSV files, or APIs to aggregate reportable data efficiently. 

• Automate 

Schedule and automate data collection, transformation, and XBRL instance generation, minimizing manual effort. 

• Facilitate 

Enable manual correction, guided data entry, and instant validation to streamline the review cycle. 

• Manage 

Control workflows across departments with multi-user access, approval tracking, and audit visibility. 

• Validate 

Automatically validate against regulatory taxonomies and business rules, ensuring compliance with ACPR, EBA, and SRB mandates. 

• Audit 

Maintain an end-to-end audit trail of user actions and data changes, supporting compliance and internal reviews. 

• Secure 

Protect sensitive financial data with on-premise/ on-cloud deployment, ISO 27001, and SOC 1 & 2 certifications, plus role-based access control. 

• Trusted Worldwide 

IRIS products are used in 54+ countries, including by 30+ regulators, 200+ BFSI institutions, and 6,000+ enterprises. Our RegTech platforms automate millions of filings with unmatched quality and precision. 

• Extensive Experience 

With over two decades in the industry, IRIS is a pioneer in XBRL and regulatory reporting. Our platforms are proven across global regulatory ecosystems. 

• Unparalleled XBRL Quality 

Expect precision at every level. IRIS iDEAL® ensures 100% compliant XBRL generation, validated against the latest business rules. 

• Ultimate Customer Support 

From onboarding to post-implementation, our dedicated customer teams and solution specialists ensure fast resolution and continuous guidance. 

• Relentless Innovation 

IRIS constantly enhances iDEAL® with modular features, AI-led automation, and rapid taxonomy updates, ensuring you’re always ahead of compliance demands. 

• Scheduled Auto Data Preparation & XBRL Instance Generation 

• Fully Secure, On-Premise/ On-Cloud, Collaborative, and User-Friendly 

• Ready-to-Plug Integration with Core Systems 

• Modular Architecture for Adapting to New Taxonomies 

• Ultimate Reliability and Accuracy in XBRL Outputs 

1. Data Integration – Extracts structured and semi-structured data from source systems.
2. Validation – Checks against updated taxonomies and regulator-specific rules.
3. Error Review & Correction – Allows controlled manual corrections or file imports with audit tracking.
4. XBRL Generation – Converts validated data into regulator-compliant XBRL/ Prescribed format.
5. Submission & Archival – Maintains submission history with full audit trail and role-based access.

If you’re still setting up your internal reporting systems, or perhaps encountering challenges with your current ones? IRIS provides a transition-friendly service to ensure uninterrupted compliance. 

• Data Preparation (Client) – Provide data using a pre-defined Excel template. 

• XBRL Conversion (IRIS) – We validate and convert your data into accurate, regulator-ready XBRL. 

• Final Submission (Client) – Submit directly to the regulator with confidence. 

IRIS iDEAL® empowers banks and financial institutions in France to simplify, automate, and secure their compliance processes. From COREP to AnaCredit, from RUBA to CREDITIMMO—handle every mandate with clarity and control.