#
# KNOWLEDGE GRAPH INSTANCE DATA
# Example for "Global Consolidated Manufacturing Inc."
# Version: 1.0
#

#
# Prefixes
#
@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .

# Ontologies
@prefix fibo-be-le-lei: <https://spec.edmcouncil.org/fibo/ontology/BE/LegalEntities/LegalEntity/> .
@prefix fibo-fbc-fi-fi: <https://spec.edmcouncil.org/fibo/ontology/FBC/FinancialInstruments/FinancialInstruments/> .
@prefix fibo-fnd-rel-rel: <https://spec.edmcouncil.org/fibo/ontology/FND/Relations/Relations/> .
@prefix fibo-fnd-utl-av: <https://spec.edmcouncil.org/fibo/ontology/FND/Utilities/AnnotationVocabulary/> .
@prefix fibo-fnd-acc-cur: <https://spec.edmcouncil.org/fibo/ontology/FND/Accounting/CurrencyAmount/> .
@prefix lending: <https://ourbank.com/ontology/lending/> .

# Instance Namespace
@prefix inst: <https://ourbank.com/instance/> .

#
# Instance Data
#

# 1. The Company (Borrower)
inst:company-gcm
    a fibo-be-le-lei:LegalEntity ;
    fibo-fnd-utl-av:hasName "Global Consolidated Manufacturing Inc."^^xsd:string ;
    fibo-be-le-lei:hasLegalEntityIdentifier "5493001B3242622W2R82"^^xsd:string .

# 2. A Loan issued to the Company
inst:loan-12345
    a fibo-fbc-fi-fi:Loan ;
    fibo-fnd-rel-rel:isProvidedBy inst:ourbank ; # Assuming our bank is an entity
    fibo-fnd-rel-rel:isMadeTo inst:company-gcm ;
    fibo-fnd-acc-cur:hasPrincipalAmount "5000000.00"^^xsd:decimal ;
    fibo-fnd-acc-cur:hasCurrency "USD"^^xsd:string .

# 3. A Financial Covenant associated with the Loan
inst:covenant-dscr-01
    a lending:FinancialCovenant ;
    fibo-fnd-rel-rel:isPartOrConstituentOf inst:loan-12345 ;
    lending:hasMetricThreshold "1.25"^^xsd:decimal ;
    rdfs:comment "Requires a Debt Service Coverage Ratio of at least 1.25." .

# 4. A specific violation of that covenant
inst:violation-789
    a lending:CovenantViolation ;
    lending:isViolationOf inst:covenant-dscr-01 ;
    lending:appliesToLoan inst:loan-12345 ;
    lending:hasViolationDate "2024-08-20"^^xsd:date ;
    lending:hasViolationStatus "Active"^^xsd:string .

# 5. An internal risk rating assigned to the Company
inst:riskrating-gcm-q3-2024
    a lending:InternalRiskRating ;
    lending:isAssignedTo inst:company-gcm ;
    lending:hasRatingValue "RR-05"^^xsd:string ;
    lending:hasRatingEffectiveDate "2024-08-21"^^xsd:date ;
    rdfs:comment "Rating downgraded following covenant violation." .