@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#> .
@prefix lending: <https://ourbank.com/ontology/lending/> .

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

#
# PROPRIETARY LENDING ONTOLOGY
# Version: 1.1.0
#
# This ontology extends the Financial Industry Business Ontology (FIBO)
# to include concepts, classes, and properties specific to this
# institution's lending operations.
#

lending: a owl:Ontology ;
    rdfs:label "Proprietary Lending Ontology" ;
    owl:versionInfo "1.1.0" ;
    fibo-fnd-utl-av:hasMaturityLevel fibo-fnd-utl-av:Release .

#################################################################
#    Covenant Model
#################################################################

lending:LoanCovenant a owl:Class ;
    rdfs:subClassOf fibo-fbc-fi-fi:FinancialInstrumentTerm ;
    rdfs:label "Loan Covenant" ;
    rdfs:comment "A specific condition or restriction in a loan agreement that the borrower must comply with. This is the superclass for all proprietary covenant types." .

#
# Covenant Subclasses
#

lending:FinancialCovenant a owl:Class ;
    rdfs:subClassOf lending:LoanCovenant ;
    rdfs:label "Financial Covenant" ;
    rdfs:comment "A covenant based on a measurable financial metric, such as a debt-to-equity ratio or Debt Service Coverage Ratio (DSCR)." .

lending:ReportingCovenant a owl:Class ;
    rdfs:subClassOf lending:LoanCovenant ;
    rdfs:label "Reporting Covenant" ;
    rdfs:comment "A covenant that requires the borrower to report financial information at a specified frequency." .

lending:NegativeCovenant a owl:Class ;
    rdfs:subClassOf lending:LoanCovenant ;
    rdfs:label "Negative Covenant" ;
    rdfs:comment "A covenant that restricts the borrower from taking certain actions without lender approval, such as incurring more debt." .

#
# Covenant Data Properties
#

lending:hasMetricThreshold a owl:DatatypeProperty ;
    rdfs:label "has metric threshold" ;
    rdfs:domain lending:FinancialCovenant ;
    rdfs:range xsd:decimal ;
    rdfs:comment "The specific numerical threshold for a financial covenant (e.g., 1.25 for a DSCR covenant)." .

lending:hasReportingFrequency a owl:DatatypeProperty ;
    rdfs:label "has reporting frequency" ;
    rdfs:domain lending:ReportingCovenant ;
    rdfs:range xsd:string ;
    rdfs:comment "The frequency at which a report is due (e.g., 'Quarterly', 'Annually')." .

#################################################################
#    Covenant Violation Model
#
# A more robust model for tracking violations as specific events.
#################################################################

lending:CovenantViolation a owl:Class ;
    rdfs:label "Covenant Violation" ;
    rdfs:comment "An event representing the breach of a specific loan covenant by a borrower. Modeling this as a class allows for detailed tracking of the violation's lifecycle." .

lending:hasViolationDate a owl:DatatypeProperty ;
    rdfs:label "has violation date" ;
    rdfs:domain lending:CovenantViolation ;
    rdfs:range xsd:date .

lending:hasViolationStatus a owl:DatatypeProperty ;
    rdfs:label "has violation status" ;
    rdfs:domain lending:CovenantViolation ;
    rdfs:range xsd:string ;
    rdfs:comment "The current status of the violation, e.g., 'Active', 'Cured', 'Waived'." .

lending:isViolationOf a owl:ObjectProperty ;
    rdfs:label "is violation of" ;
    rdfs:domain lending:CovenantViolation ;
    rdfs:range lending:LoanCovenant .

lending:appliesToLoan a owl:ObjectProperty ;
    rdfs:label "applies to loan" ;
    rdfs:domain lending:CovenantViolation ;
    rdfs:range fibo-fbc-fi-fi:Loan .

# Deprecating the old property in favor of the new event-based model
lending:violatesCovenant a owl:ObjectProperty ;
    owl:deprecated true ;
    rdfs:label "violates covenant (deprecated)" ;
    rdfs:comment "This property is deprecated in favor of the more robust CovenantViolation class model." .


#################################################################
#    Internal Risk Rating Model
#################################################################

lending:InternalRiskRating a owl:Class ;
    rdfs:label "Internal Risk Rating" ;
    rdfs:comment "A proprietary risk rating assigned to a legal entity based on internal assessment models. This is distinct from ratings from external agencies like Moody's or S&P." .

lending:hasRatingValue a owl:DatatypeProperty ;
    rdfs:label "has rating value" ;
    rdfs:domain lending:InternalRiskRating ;
    rdfs:range xsd:string ;
    rdfs:comment "The internal risk grade, e.g., 'RR-01', 'RR-02', etc." .

lending:hasRatingEffectiveDate a owl:DatatypeProperty ;
    rdfs:label "has rating effective date" ;
    rdfs:domain lending:InternalRiskRating ;
    rdfs:range xsd:date .

lending:isAssignedTo a owl:ObjectProperty ;
    rdfs:label "is assigned to" ;
    rdfs:domain lending:InternalRiskRating ;
    rdfs:range fibo-be-le-lei:LegalEntity .