{
  "tool_id": "art-445-credit-concentration-topn-sector",
  "kernel_id": "art-445-credit-concentration-topn-sector",
  "display_name": "Credit Concentration Top-N / Sector Checker",
  "tool_version": "1.0.0",
  "mandate_type": "analytics_mandate",
  "purpose": "Credit-concentration screen over a flat exposure list (name, sector, amount): returns the top-N single-name exposures by amount, a per-sector rollup, single-name and sector Herfindahl-Hirschman Index (0-10000 scale), and a breach list against caller-declared single-name and sector limit percentages. Concentration limits are your own institution's risk-appetite policy, not a fixed regulatory threshold, so nothing is baked in. Distinct from the shipped IRRBB/NII shock kernels (art-183/art-185/art-369), which measure rate-risk exposure rather than name/sector diversification. NaN-safe. Zero network, zero PII.",
  "control_description": "Credit-concentration screen over a flat exposure list (name, sector, amount): returns the top-N single-name exposures by amount, a per-sector rollup, single-name and sector Herfindahl-Hirschman Index (0-10000 scale), and a breach list against caller-declared single-name and sector limit percentages. Concentration limits are your own institution's risk-appetite policy, not a fixed regulatory threshold, so nothing is baked in. Distinct from the shipped IRRBB/NII shock kernels (art-183/art-185/art-369), which measure rate-risk exposure rather than name/sector diversification. NaN-safe. Zero network, zero PII.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:2c48c891970145492a64a3005f4756cbe485a5a8f04738cc43b59eea9453bb0b",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-23",
  "last_validated": "2026-07-23",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 72,
  "source_url": "https://ainumbers.co/chaingraph/art-445-credit-concentration-topn-sector.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}