curl --request POST \
--url https://api.fincept.in/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
}
}{
"detail": "Invalid API key"
}{
"detail": "Insufficient credits. This endpoint requires 5 credits."
}{
"detail": [
{
"loc": [
"body",
"cet1_capital"
],
"msg": "field required",
"type": "value_error.missing"
}
]
}Assess IFRS 9 Impairment Stage
Determines the IFRS 9 impairment stage (Stage 1, 2, or 3) for a financial asset based on credit deterioration indicators. Stage 1: 12-month ECL for performing loans with no significant increase in credit risk (SICR). Stage 2: Lifetime ECL for loans with SICR but not credit-impaired (typically 30+ days past due, rating downgrades, or PD increase). Stage 3: Lifetime ECL for credit-impaired assets (typically 90+ days past due or objective evidence of impairment). Use this for loan loss provisioning, financial reporting, and regulatory submissions under IFRS 9. [Tier: ENTERPRISE, Credits: 10]
curl --request POST \
--url https://api.fincept.in/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
}
}{
"detail": "Invalid API key"
}{
"detail": "Insufficient credits. This endpoint requires 5 credits."
}{
"detail": [
{
"loc": [
"body",
"cet1_capital"
],
"msg": "field required",
"type": "value_error.missing"
}
]
}Authorizations
API key for authentication. Get your key at https://api.fincept.in/auth/register
Body
Number of days payment is past due (0 = current, 30+ triggers Stage 2, 90+ triggers Stage 3)
x >= 045
Number of notches in credit rating downgrade since origination (2+ typically triggers Stage 2)
x >= 02
Ratio of current PD to origination PD (>2.0 often indicates SICR and triggers Stage 2)
x >= 02.5
Whether there is objective evidence of credit impairment (default, bankruptcy, restructuring) - forces Stage 3
false