| Construction industry | Other industry | Total pubic indebetness | ||
| 1 | 2 | 3 | ||
| Total sectoral debt | 1 | |||
| of which: on balance credit risk | 2 | |||
| Thereof: bank guarantee for homebuyer | ||||
| Before handover of dwelling - 30% | 3 | |||
| After handover of dwelling - 10% | 4 | |||
| Subtractions and additions | ||||
| Amounts that can be deducted as stated in Section 5 of Directive 313 (Section 6 (a) of NOP 315) | 5 | |||
| The capitalized amount of the lease in respect of yielding real estate leased to the Bank or to the Government of Israel (section 6 (b) of NABAT 315) | 6 | |||
| Liabilities of a company that is not engaged in construction in Israel, intended for the purchase of real estate outside of Israel (section 6 (c) of NABAT 315) | 7 | |||
| Total subtractions | 8 | |||
| Total debt after subtractions | 9 | |||
| Pct. of sectoral debt | 10 | |||
| Excess debt | 14 | |||