---
title: "RAROC Loan Pricing Calculator"
method: POST
path: "/v1/tools/compute_raroc_loan_price"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# RAROC Loan Pricing Calculator

`POST /v1/tools/compute_raroc_loan_price`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_raroc_loan_price`
- Auth: none declared

Risk-Adjusted Return on Capital (RAROC) loan pricing per Basel II BCBS 128 (2006) / Basel III BCBS 189 (2010) simplified public approximation of the IRB economic-capital formula (single-factor Vasicek model at 99.9% confidence, or the SA risk-weight bucket table). Returns RAROC versus hurdle rate, economic capital, net income waterfall, and the break-even spread. Provable node counterpart to tools/437-raroc-loan-pricing.html; simplified public approximation, not a substitute for an internally approved IRB model.

**Tool URL:** https://ainumbers.co/chaingraph/art-362-compute-raroc-loan-price.html

## Request body

- object
  - `arrangement_fee_bps` number: Amount in basis points
  - `benchmark_rate_pct` number: Percentage value
  - `capital_approach` unknown, required
  - `capital_buffer_bps` number: Amount in basis points
  - `commitment_fee_bps` number: Amount in basis points
  - `cost_of_funds_pct` number: Percentage value
  - `ead_musd` number
  - `hurdle_rate_pct` number: Percentage value
  - `lgd_pct` number: Percentage value
  - `margin_bps` number: Amount in basis points
  - `operating_cost_kusd` number
  - `pd_pct` number: Percentage value
  - `tax_rate_pct` number: Percentage value
  - `tenor_years` number
  - `utilization_pct` number: Percentage value

## Response `200`

Successful tool execution result

- object
  - `break_even_gap_bps` integer
  - `break_even_spread_bps` integer
  - `capital_approach` string
  - `drawn_musd` number
  - `economic_capital_musd` number
  - `expected_loss_musd` number
  - `funding_cost_musd` number
  - `gross_revenue_musd` number
  - `hurdle_rate_pct` integer
  - `net_income_after_tax_musd` number
  - `net_income_before_tax_musd` number
  - `note` string
  - `operating_cost_musd` number
  - `raroc_pct` integer
  - `regulatory_basis` string
  - `undrawn_musd` number
  - `value_creating` boolean
  - `value_spread_pct` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)