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Islamic Open Finance™

Capital Adequacy

Capital Adequacy Endpoints

Section titled “Capital Adequacy Endpoints”

Capital adequacy monitoring under Basel III Pillar 1.

GET /capital/ratios

Section titled “GET /capital/ratios”

Returns current capital ratios.

Terminal window
curl -H "Authorization: Bearer <token>" \
  https://api.islamicopenfinance.com/api/v1/basel/capital/ratios

Response:

{
  "cet1Ratio": 12.5,
  "tier1Ratio": 14.2,
  "totalCapitalRatio": 16.8,
  "leverageRatio": 5.1,
  "riskWeightedAssets": 1250000000,
  "minimumCET1": 4.5,
  "minimumTier1": 6.0,
  "minimumTotal": 8.0,
  "bufferUtilization": 0.35,
  "calculatedAt": "2026-03-05T00:30:00Z"
}

GET /capital/adequacy

Section titled “GET /capital/adequacy”

Full capital adequacy assessment with compliance status.

Response:

{
  "totalCapital": 210000000,
  "tier1Capital": 177500000,
  "cet1Capital": 156250000,
  "riskWeightedAssets": 1250000000,
  "capitalAdequacyRatio": 16.8,
  "compliant": true,
  "buffers": {
    "conservationBuffer": 2.5,
    "countercyclicalBuffer": 0.5,
    "systemicBuffer": 1.0
  }
}

GET /capital/rwa

Section titled “GET /capital/rwa”

Risk-weighted assets breakdown by risk category.

Response:

{
  "total": 1250000000,
  "creditRisk": 950000000,
  "marketRisk": 150000000,
  "operationalRisk": 150000000
}

GET /capital/composition

Section titled “GET /capital/composition”

Tier composition with CET1, AT1, and Tier 2 components.

GET /capital/buffers

Section titled “GET /capital/buffers”

Capital buffer utilization and requirements.

POST /capital/stress-tests

Section titled “POST /capital/stress-tests”

Execute stress test scenarios.

Request:

{
  "scenarios": [
    {
      "name": "Severe Recession",
      "type": "supervisory",
      "parameters": {
        "gdpShock": -5.0,
        "interestRateShock": 3.0,
        "equityShock": -40
      }
    }
  ]
}

Response:

{
  "testId": "st_abc123",
  "status": "COMPLETED",
  "results": [
    {
      "scenarioName": "Severe Recession",
      "capitalImpact": -45000000,
      "postStressCET1": 8.9,
      "postStressCAR": 13.2,
      "passed": true
    }
  ]
}

GET /capital/stress-tests

Section titled “GET /capital/stress-tests”

List stress test results. Filter: ?status=COMPLETED

GET /capital/stress-tests/:id

Section titled “GET /capital/stress-tests/:id”

Get specific stress test details.

POST /capital/regulatory-reports

Section titled “POST /capital/regulatory-reports”

Generate a regulatory report.

Request:

{
  "reportType": "REPORT_220",
  "periodStart": "2026-01-01",
  "periodEnd": "2026-03-31"
}

GET /capital/regulatory-reports

Section titled “GET /capital/regulatory-reports”

List regulatory reports. Filter: ?status=SUBMITTED

GET /capital/regulatory-reports/:id

Section titled “GET /capital/regulatory-reports/:id”

Get specific report with download link.

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