{
  "tool_id": "ml-02-credit-default-risk-scorer",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "default-inputs",
      "policy_parameters": {},
      "output_payload": {
        "verdict": "WEAK_MODEL_ELEVATED_RISK",
        "auc_roc": 0.626506,
        "ks_statistic": 0.233837,
        "gini_coefficient": 0.253013,
        "portfolio_pd": 0.506899,
        "total_ead_gbp": 257426232,
        "expected_loss_gbp": 58934926,
        "irb_rwa_gbp": 0,
        "sa_rwa_gbp": 90099181,
        "irb_capital_gbp": 0,
        "sa_capital_gbp": 7207934,
        "irb_vs_sa_saving": 1,
        "n_loans_scored": 500,
        "n_defaults_observed": 87,
        "high_pd_loans": 498,
        "compliance_flags": [
          "CREDIT_SCORING_COMPLETED",
          "BASEL3_IRB_CAPITAL_COMPUTED",
          "EU_AI_ACT_ANNEX3_PART5B_HIGH_RISK_SYSTEM",
          "EBA_GL_2017_16_MODEL_PERFORMANCE_ASSESSED",
          "MODEL_PERFORMANCE_BELOW_0_70_AUC",
          "BCBS_D424_IRB_FORMULA_APPLIED"
        ]
      },
      "golden_hash": "13d087f900faed03eb3896b4c82fe862e8d196006bf4f728cf40f6e7001125d0"
    }
  ]
}