> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincept.in/llms.txt
> Use this file to discover all available pages before exploring further.

# 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]



## OpenAPI

````yaml api-specs/regulatory.json post /quantlib/regulatory/basel/operational-rwa
openapi: 3.1.0
info:
  title: FinceptQuantLib API - Regulatory
  description: >-
    Pro-tier regulatory compliance and capital adequacy endpoints covering Basel
    III capital ratios and RWA calculations, SA-CCR counterparty credit risk
    exposure metrics, IFRS 9 expected credit loss provisioning, liquidity
    coverage ratios (LCR/NSFR), and stress testing capital projections. All
    endpoints require Pro tier access and consume 5 credits per request.
  version: 3.0.0
  contact:
    name: Fincept API Support
    url: https://fincept.in
servers:
  - url: https://api.fincept.in
    description: Fincept API Production Server
security:
  - APIKeyHeader: []
tags:
  - name: quantlib-regulatory
    description: >-
      Regulatory compliance and capital adequacy calculations for Basel III,
      SA-CCR, IFRS 9, liquidity ratios, and stress testing. Pro tier required.
    x-displayName: Regulatory
paths:
  /quantlib/regulatory/basel/operational-rwa:
    post:
      tags:
        - quantlib-regulatory
      summary: Calculate Operational Risk RWA
      description: >-
        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]
      operationId: operational_rwa
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - gross_income_3y
              properties:
                gross_income_3y:
                  type: array
                  description: >-
                    Gross income for each of the previous 3 years (net interest
                    income + net non-interest income)
                  items:
                    type: number
                  minItems: 3
                  maxItems: 3
                  example:
                    - 45000000
                    - 48000000
                    - 52000000
            examples:
              growing_bank:
                summary: Growing regional bank
                value:
                  gross_income_3y:
                    - 45000000
                    - 48000000
                    - 52000000
              stable_income:
                summary: Stable income profile
                value:
                  gross_income_3y:
                    - 38000000
                    - 39000000
                    - 38500000
      responses:
        '200':
          description: Operational RWA calculated successfully
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                    example: true
                  data:
                    type: object
                    properties:
                      operational_rwa:
                        type: number
                        description: >-
                          Operational risk-weighted assets (average gross income
                          * 15% * 12.5)
                        example: 90625000
              examples:
                result:
                  summary: Operational RWA calculation
                  value:
                    success: true
                    data:
                      operational_rwa: 90625000
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '402':
          $ref: '#/components/responses/InsufficientCreditsError'
        '422':
          $ref: '#/components/responses/ValidationError'
components:
  responses:
    UnauthorizedError:
      description: Authentication information is missing or invalid
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: string
                example: Invalid API key
    InsufficientCreditsError:
      description: Insufficient API credits to complete request
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: string
                example: Insufficient credits. This endpoint requires 5 credits.
    ValidationError:
      description: Request validation error
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: array
                items:
                  type: object
                  properties:
                    loc:
                      type: array
                      items:
                        type: string
                    msg:
                      type: string
                    type:
                      type: string
          example:
            detail:
              - loc:
                  - body
                  - cet1_capital
                msg: field required
                type: value_error.missing
  securitySchemes:
    APIKeyHeader:
      type: apiKey
      in: header
      name: X-API-Key
      description: >-
        API key for authentication. Get your key at
        https://api.fincept.in/auth/register

````