curl --request POST \
  --url https://api.fincept.in/quantlib/regulatory/basel/operational-rwa \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "gross_income_3y": [
    45000000,
    48000000,
    52000000
  ]
}
'

{
  "success": true,
  "data": {
    "operational_rwa": 90625000
  }
}

{
  "detail": "Invalid API key"
}

{
  "detail": "Insufficient credits. This endpoint requires 5 credits."
}

{
  "detail": [
    {
      "loc": [
        "body",
        "cet1_capital"
      ],
      "msg": "field required",
      "type": "value_error.missing"
    }
  ]
}

quantlib-regulatory

Calculate Operational Risk RWA

Calculates operational risk-weighted assets (RWA) using the Basic Indicator Approach (BIA) under Basel III. This method uses the average of the previous 3 years’ positive annual gross income multiplied by a fixed alpha factor (15%). Use this for banks that do not qualify for advanced measurement approaches, typically smaller institutions or those with simpler operational risk profiles. Required for total RWA and overall capital adequacy calculations. [Tier: ENTERPRISE, Credits: 10]

POST

quantlib

regulatory

basel

operational-rwa

curl --request POST \
  --url https://api.fincept.in/quantlib/regulatory/basel/operational-rwa \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "gross_income_3y": [
    45000000,
    48000000,
    52000000
  ]
}
'

{
  "success": true,
  "data": {
    "operational_rwa": 90625000
  }
}

{
  "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

X-API-Key

string

header

required

API key for authentication. Get your key at https://api.fincept.in/auth/register

Body

application/json

gross_income_3y

number[]

required

Gross income for each of the previous 3 years (net interest income + net non-interest income)

Required array length: 3 elements

Example:

[45000000, 48000000, 52000000]

Response

Operational RWA calculated successfully

success

boolean

Example:

true

data

object

Show child attributes

Free Tier (0 credits)

Basic Tier (1 credit)

Standard Tier (2 credits)

Pro Tier (5 credits)

Enterprise Tier (10 credits)

Calculate Operational Risk RWA

Authorizations

Body

Response