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

Credit risk by economic sector (831)

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

Breaks down a bank's total credit risk by economic sector in Israel and abroad, with losses, write-offs and problem debts, and extra detail on construction and real estate lending. The supervisor uses it to follow sector risk. Source

Official title: חלוקת סיכון האשראי הכולל לפי ענפי משק

The facts

Who files
Banking corporations including foreign banks. Tables 05 to 07 (part C) only from banks whose total credit risk to construction and real estate (borrowers in Israel) exceeds NIS 2 billion. Consolidated basis. Source
How often
Quarterly. Source
Deadline
Within four business days of the publication date of the financial statements. Source
Format
XBRL-XML. XBRL instance filed online to the Bank of Israel. Taxonomy version 35 lists corrected tables 1 to 4 of directive 831. 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 (7)

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

  • Total credit risk balance by economic sector: activity in Israel (831-01)
  • Total credit risk balance by economic sector: activity abroad (831-02)
  • Quarterly credit loss expenses and net quarterly accounting write-offs (831-03)
  • Problem and impaired total credit risk and credit loss allowance by sector (831-04)
  • Credit risk to the public in construction and real estate, borrowers in Israel, by loan-to-value ratio (LTV) (831-05)
  • Residential real estate under construction (831-06)
  • Residential real estate under construction: for sale during construction (831-07)

Where the list was read: Source

Validation rules

The Bank of Israel publishes the checks it runs on this return. They could not be counted from the published material. Software can run them exactly as published. Source

How they are written: XBRL Formula 1.0 value assertions in the taxonomy package (val folder, files vr-*.xml grouped in assertion sets per table, severity fatal or warning), per the Bank's taxonomy documentation.

The rules, on boi.org.il

How they were counted

Not counted. The checks are XBRL Formula assertions inside the taxonomy package, which is linked only from the XBRL page; that page blocks automated access and the package file could not be located.

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

Public data

Published only added up across firms. System-wide credit series citing directive 831 data points are published quarterly in the Bank's statistics database (dataflow CRDT 'Credit'). Source

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

  • Credit (CRDT)

    Added up across firms · SDMX 3.0 API (CSV or SDMX-ML)

    Quarterly credit series for the total banking system (consolidated), citing data points of directives 831 and 856 and of the annual statements (D630). Source

Official documents (10)

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.