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POST
/
quantlib
/
regulatory
/
ifrs9
/
stage-assessment
curl --request POST \
  --url https://finceptbackend.share.zrok.io/quantlib/regulatory/ifrs9/stage-assessment \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "days_past_due": 0,
  "rating_downgrade": 0,
  "pd_increase_ratio": 1.1,
  "is_credit_impaired": false
}
'
{
  "success": true,
  "data": {
    "stage": "STAGE_2",
    "stage_value": 2
  }
}

Authorizations

​
X-API-Key
string
header
required

API key for authentication. Get your key at https://finceptbackend.share.zrok.io/auth/register

Body

application/json
​
days_past_due
integer
required

Number of days payment is past due (0 = current, 30+ triggers Stage 2, 90+ triggers Stage 3)

Required range: x >= 0
Example:

45

​
rating_downgrade
integer
required

Number of notches in credit rating downgrade since origination (2+ typically triggers Stage 2)

Required range: x >= 0
Example:

2

​
pd_increase_ratio
number
required

Ratio of current PD to origination PD (>2.0 often indicates SICR and triggers Stage 2)

Required range: x >= 0
Example:

2.5

​
is_credit_impaired
boolean
default:false

Whether there is objective evidence of credit impairment (default, bankruptcy, restructuring) - forces Stage 3

Example:

false

Response

IFRS 9 stage assessed successfully

​
success
boolean
Example:

true

​
data
object