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In forceCredit, credit cards and risk managementLast checked 11 November 2026

Effective cost of unindexed shekel credit and deposits (822)

A regulatory return listed by the Bank of Israel (Banking Supervision Department), Israel.

Gives the data to calculate the effective interest cost of unindexed shekel credit and deposits, and the spread of interest rates charged on overdrafts and current accounts by customer segment. It lets the supervisor follow pricing to households and businesses. Source

Official title: דוח על העלות האפקטיבית במגזר מט"י לא צמוד

The facts

Who files
Banks, acquirers and foreign banks. Banks and foreign banks report unconsolidated, Israeli offices only; acquirers report consolidated. Table 02 is reported only by banks and foreign banks. Source
How often
Monthly. Source
Deadline
Within 20 days of the end of the reported month. Source
Format
Other. The file format is not confirmed: directives in this series say to report 'via computer communications over the internet, using the secure technology used by the Bank of Israel'. The taxonomy package, which would show whether this directive has an XBRL module, could not be downloaded. The Bank's statistics database tags published series with data point codes of this directive (D822-...), the coding the taxonomy uses for its frameworks. Source
How it is filed
The format above is what the library records; what could not be verified is on the Bank of Israel's page.
Status
In force
Group
Credit, credit cards and risk management

Templates (2)

The tables and forms inside the return. Plain name first, the Bank of Israel's code in brackets.

  • Data for calculating the effective cost in the unindexed shekel segment (monthly) (822-01)
  • Overdrafts and current accounts: distribution of interest rates by percentile and supervisory activity segment (822-02)

Where the list was read: Source

Validation rules

4 rules, as counted from the Bank of Israel's published material. They are written for people to read; software cannot run them as published. Source

How they are written: Reconciliation rules written in the directive text.

The rules, on boi.org.il

How they were counted

Sections 26 to 29 of directive 822 (update 12), headed 'reconciliations between table 01 and table 02'. Section 25 adds a further sum check within table 02.

Counts are in the Bank of Israel's own unit, so they are not comparable with other regulators' counts.

Public data

Published firm by firm. Series built from directive 822 data points are published bank by bank and for the whole system in the Bank's statistics database (website series WEB_M), monthly. Source

Where it is published (SDMX (CSV or SDMX-ML) via API)

  • Website series, monthly (WEB_M)

    Firm by firm · SDMX 3.0 API (CSV or SDMX-ML)

    Monthly series behind the Bank's website tables, bank by bank and for the system, citing data points of directives 821, 822, 823, 823A and 876. Bank-level series were seen for directives 822 and 823. Latest period seen: 2026-09. Source

Official documents (7)

The Bank of Israel's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see Bank of Israel's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 11 November 2026.