> ## 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. # Project Capital Ratios Under Stress > Projects capital ratios over multiple quarters under stress scenarios (e.g., CCAR, DFAST, or custom adverse scenarios). Simulates the evolution of capital and RWA by applying quarterly earnings, credit/market losses, and RWA changes. Formula for each quarter: Capital_t = Capital_(t-1) + Earnings_t - Losses_t; RWA_t = RWA_(t-1) + RWA_Change_t; Ratio_t = Capital_t / RWA_t. Returns time series of capital ratios and identifies the minimum ratio during the stress period. Tests whether minimum ratio exceeds regulatory threshold (4.5% for CET1). Use this for regulatory stress testing, capital planning, ICAAP, and board presentations. [Tier: ENTERPRISE, Credits: 10] ## OpenAPI ````yaml api-specs/regulatory.json post /quantlib/regulatory/stress/capital-projection 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/stress/capital-projection: post: tags: - quantlib-regulatory summary: Project Capital Ratios Under Stress description: >- Projects capital ratios over multiple quarters under stress scenarios (e.g., CCAR, DFAST, or custom adverse scenarios). Simulates the evolution of capital and RWA by applying quarterly earnings, credit/market losses, and RWA changes. Formula for each quarter: Capital_t = Capital_(t-1) + Earnings_t - Losses_t; RWA_t = RWA_(t-1) + RWA_Change_t; Ratio_t = Capital_t / RWA_t. Returns time series of capital ratios and identifies the minimum ratio during the stress period. Tests whether minimum ratio exceeds regulatory threshold (4.5% for CET1). Use this for regulatory stress testing, capital planning, ICAAP, and board presentations. [Tier: ENTERPRISE, Credits: 10] operationId: capital_projection requestBody: required: true content: application/json: schema: type: object required: - initial_capital - initial_rwa - earnings - losses - rwa_changes properties: initial_capital: type: number description: Starting CET1 capital at beginning of stress period example: 85000000 initial_rwa: type: number description: Starting risk-weighted assets at beginning of stress period example: 950000000 earnings: type: array description: >- Projected quarterly earnings (pre-provision net revenue) for each quarter of stress scenario items: type: number example: - 8000000 - 7000000 - 6000000 - 5000000 - 6000000 - 7000000 - 8000000 - 9000000 losses: type: array description: >- Projected quarterly credit/market losses (provisions, write-downs) for each quarter items: type: number example: - 12000000 - 15000000 - 18000000 - 20000000 - 15000000 - 10000000 - 8000000 - 5000000 rwa_changes: type: array description: >- Quarterly changes in RWA (can be negative if assets decrease or credit quality improves) items: type: number example: - 20000000 - 25000000 - 30000000 - 15000000 - 0 - -10000000 - -15000000 - -20000000 examples: severe_recession: summary: Severely adverse scenario - 8 quarters value: initial_capital: 85000000 initial_rwa: 950000000 earnings: - 8000000 - 7000000 - 6000000 - 5000000 - 6000000 - 7000000 - 8000000 - 9000000 losses: - 12000000 - 15000000 - 18000000 - 20000000 - 15000000 - 10000000 - 8000000 - 5000000 rwa_changes: - 20000000 - 25000000 - 30000000 - 15000000 - 0 - -10000000 - -15000000 - -20000000 baseline_scenario: summary: Baseline scenario - mild stress value: initial_capital: 85000000 initial_rwa: 950000000 earnings: - 10000000 - 10500000 - 11000000 - 11500000 losses: - 3000000 - 3000000 - 3000000 - 3000000 rwa_changes: - 10000000 - 10000000 - 10000000 - 10000000 responses: '200': description: Capital projection completed successfully content: application/json: schema: type: object properties: success: type: boolean example: true data: type: object properties: capital_ratios: type: array description: >- Capital ratio for each quarter (including initial period) items: type: number example: - 0.08947368421052632 - 0.08157894736842106 - 0.07346938775510203 - 0.06632653061224489 - 0.05773195876288659 - 0.05591397849462366 - 0.05454545454545454 - 0.05357142857142857 - 0.05357142857142857 minimum_ratio: type: number description: >- Minimum capital ratio during stress period (lowest point) example: 0.05357142857142857 passes_stress: type: boolean description: Whether minimum ratio exceeds 4.5% CET1 threshold example: true n_quarters: type: integer description: Number of quarters in projection example: 8 examples: passes_stress_test: summary: Bank passes stress test value: success: true data: capital_ratios: - 0.08947368421052632 - 0.08157894736842106 - 0.07346938775510203 - 0.06632653061224489 - 0.05773195876288659 - 0.05591397849462366 - 0.05454545454545454 - 0.05357142857142857 - 0.05357142857142857 minimum_ratio: 0.05357142857142857 passes_stress: true n_quarters: 8 fails_stress_test: summary: Bank fails stress test - capital falls below threshold value: success: true data: capital_ratios: - 0.08 - 0.06 - 0.05 - 0.042 - 0.038 minimum_ratio: 0.038 passes_stress: false n_quarters: 4 '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 ````