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Add CC accounts tracking, AML rule trial and branch approval fixes

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This commit is contained in:
keshav
2026-10-19 18:16:22 +05:30
parent 885b5897af
commit 8bf74afe24
100 changed files with 14954 additions and 2692 deletions
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src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.ts
+290 -33
View File
@@ -8,12 +8,14 @@
import { Component, OnInit, inject } from '@angular/core';
import { CommonModule, DecimalPipe } from '@angular/common';
import { MatDialogRef, MatDialogModule } from '@angular/material/dialog';
import { MatDialog, MatDialogRef, MatDialogModule } from '@angular/material/dialog';
import { MatButtonModule } from '@angular/material/button';
import { MatTabsModule } from '@angular/material/tabs';
import { MatTooltipModule } from '@angular/material/tooltip';
import { FaIconComponent } from '@fortawesome/angular-fontawesome';
import { RbiCircularsService } from '../../../rbi-circulars/rbi-circulars.service';
import { AuthenticationService } from '../../../core/authentication/authentication.service';
import { ReserveTransferDialogComponent } from './reserve-transfer-dialog.component';
/** One account under a head, at the base date and the reporting date. */
interface CrrSlrRow {
@@ -31,6 +33,47 @@ interface CrrSlrRow {
status: string;
}
/** One reserve account, with what it holds on the business date. */
interface ReserveAccount {
glAccountId: number;
glCode: string;
name: string;
balance: number;
/** The Form 1 item the account answers — V, VI(a), VI(b), VI(c). */
item: string;
head: string;
/**
* Whether the filed return reads this balance.
*
* An account the bank holds but has not mapped is still somewhere money can be moved, so it is
* listed — but counting it toward what is maintained would have this screen claim a compliance
* the return does not.
*/
countsTowardMaintained: boolean;
}
/** One ratio's standing: what it needs, what it has, and which way the gap runs. */
interface ReserveRatio {
required: number;
maintained: number;
surplus: number;
/** Positive — a shortfall is an amount to cover, not a negative surplus. */
shortfall: number;
met: boolean;
}
/** The reserve position as it stands on the business date. */
interface ReservePosition {
onDate: string;
/** The close the requirement is charged on — a fortnight back, by RBI's lag rule. */
baseDate: string;
crrPercentage: number | null;
slrPercentage: number | null;
crr: ReserveRatio;
slr: ReserveRatio;
accounts: ReserveAccount[];
}
@Component({
selector: 'mifosx-crr-slr-dialog',
standalone: true,
@@ -49,8 +92,18 @@ interface CrrSlrRow {
export class CrrSlrDialogComponent implements OnInit {
private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
private rbi = inject(RbiCircularsService);
private dialog = inject(MatDialog);
private auth = inject(AuthenticationService);
activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';
activeTab: 'demand' | 'time' | 'assets' | 'slr' | 'held' = 'demand';
/**
* The reserve position on the business date — null until it loads, or if it cannot be read.
*
* Separate from the return the other tabs show: those report a fortnight close, this reports
* where the money is now.
*/
position: ReservePosition | null = null;
/** The date the figures were struck at, as the return itself reports it. */
reportingDateStr = '';
@@ -82,7 +135,23 @@ export class CrrSlrDialogComponent implements OnInit {
totalDemand: number | null = null;
totalTime: number | null = null;
totalBankingAssets: number | null = null;
/**
* Whether item III was actually deducted from the base.
*
* It nets against item I rather than against the whole base, and the netting floors at zero — so
* a bank holding more with other banks than it owes them has nothing deducted at all.
*/
bankingAssetsNet = false;
/** Item IV(a) — the bank's own net liabilities on the date being reported. */
ndtl: number | null = null;
/**
* Item IV(b) — the base a fortnight back, which both ratios are actually charged on.
*
* A separate figure from `ndtl` above and not interchangeable with it: the requirement is struck
* on this one, so a ratio or a tile that quotes the other states a percentage of something the
* requirement was never computed from.
*/
baseNdtl: number | null = null;
crrRate: number | null = null;
slrRate: number | null = null;
crrRequired: number | null = null;
@@ -98,7 +167,7 @@ export class CrrSlrDialogComponent implements OnInit {
* A dash and a zero say different things — "not reported" against "reported as nil" — and on a
* regulatory screen the difference decides whether anyone goes looking for the missing mapping.
*/
crore(value: number | null): string {
rupees(value: number | null): string {
if (value === null) {
return '—';
}
@@ -106,9 +175,19 @@ export class CrrSlrDialogComponent implements OnInit {
}
ngOnInit(): void {
// The return is reported in rupees; this screen reads in crore, as a dashboard tile does.
const toCrore = (v: number | null | undefined): number | null =>
v === null || v === undefined ? null : +(v / 1e7).toFixed(2);
// Today's position, alongside the return below. The two answer different questions and are
// fetched separately: the return reports a fortnight close, this reports the balances as they
// stand on the business date, which is what a desk can still act on.
this.rbi.getReservePosition().subscribe({
next: (data: ReservePosition) => (this.position = data),
// A position that cannot be read leaves the other four tabs working. The tab simply shows
// nothing rather than taking the whole dialog down with it.
error: () => (this.position = null)
});
// Figures stay in rupees. They were rounded to crore until now, which on a bank this size threw
// away everything that tells one fortnight from the next — a seventy-crore NDTL and the one a
// fortnight later both read "₹70 Cr".
// The statutory Form 1, not the working report. Form 1 is filed twice a month — at the 15th and
// at the month end — and this screen should show the close the bank last filed, not a position
@@ -139,27 +218,66 @@ export class CrrSlrDialogComponent implements OnInit {
// Part A's own lines, read by the Roman numeral each carries. Read from the return rather
// than recomputed, so this screen and the filed form cannot come to disagree.
const lines: any[] = data?.partA?.lines ?? [];
// Matched without regard to case: the form prints its heads in capitals — "(A) DEMAND
// LIABILITIES :" — and matching them as written left every tile reading a dash while the
// figures sat in the response.
// Matched without regard to case, and only against lines that actually carry figures. The
// form heads item I with "(a) Demand Liabilities:" — a caption with no values — directly
// above item II's "(A) DEMAND LIABILITIES :", which holds the figure. Matching on text
// alone found the caption first and read a dash off it.
const at = (startsWith: string): number | null => {
const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
const want = startsWith.toUpperCase();
const line = lines.find(
(l: any) =>
Array.isArray(l?.values) &&
String(l?.label ?? '')
.toUpperCase()
.startsWith(want)
);
return line?.values?.[latest] ?? null;
};
this.totalDemand = toCrore(at('(A) Demand liabilities'));
this.totalTime = toCrore(at('(B) Time liabilities'));
this.totalBankingAssets = toCrore(at('TOTAL OF III'));
// IV(b) is the base the ratios are actually charged on — the figure behind the requirement,
// not the bank's liabilities on the day being reported.
this.ndtl = toCrore(at('IV. b)'));
this.crrRequired = toCrore(data?.partB?.required?.[latest]);
this.slrRequired = toCrore(data?.partC?.required?.[latest]);
this.totalLiquidAssets = toCrore(data?.partC?.maintained?.[latest]);
// Item II's own two lines, matched including the trailing colon the form prints. Item I
// carries a "(b) Time Liabilities to the banking system" of its own — a different figure,
// and the one a looser match found first.
this.totalDemand = at('(A) DEMAND LIABILITIES :');
this.totalTime = at('(B) TIME LIABILITIES :');
this.totalBankingAssets = at('TOTAL OF III');
// Whether item III actually came off the base. The form nets it against item I — the
// liabilities OWED TO the banking system — and floors that netting at zero: where the
// bank's assets with other banks exceed what it owes them, the excess is NOT deducted and
// the base is item II alone. Stating "deducted from NDTL" in that case names a subtraction
// the return did not make, and a reader checking the arithmetic finds it does not work.
const liabilitiesToBanks = at('TOTAL OF I');
this.bankingAssetsNet =
liabilitiesToBanks !== null &&
this.totalBankingAssets !== null &&
liabilitiesToBanks > this.totalBankingAssets;
// Two different figures, and the screen needs both.
//
// IV(a) is the bank's OWN net liabilities on the reporting date — what the demand, time and
// banking-asset tiles add up to, so it is the one the formula row must end at. IV(b) is the
// base a fortnight back, which is what the requirement is charged on.
//
// Showing IV(b) as the result of the formula was arithmetic that did not work: three terms
// struck on one date reaching a figure struck on another, off by whatever the liabilities
// had moved in between.
this.ndtl = at('IV. a)');
this.baseNdtl = at('IV. b)');
this.crrRequired = data?.partB?.required?.[latest] ?? null;
this.slrRequired = data?.partC?.required?.[latest] ?? null;
this.totalLiquidAssets = data?.partC?.maintained?.[latest] ?? null;
if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
}
if (this.ndtl) {
// Struck on the base, not on today's own liabilities: the requirement below it is charged
// on the base, and a ratio measured against a different denominator from the one the
// requirement uses cannot be compared with it — "33.62% against a minimum of 18%" would be
// two percentages of two different things.
if (this.baseNdtl) {
this.slrActualPercent =
this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.baseNdtl) * 100).toFixed(2);
}
if (this.crrRequired !== null && this.slrRequired !== null) {
this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
@@ -209,13 +327,20 @@ export class CrrSlrDialogComponent implements OnInit {
// The form's own wording, with its numbering trimmed off the front — the table has a column
// of its own for that.
name: label.replace(/^\s*\(?[a-zA-Z0-9]+\)?[.)]?\s*/, '').trim() || label.trim(),
sub: line.configKey ? String(line.configKey).replace(/_/g, ' ') : 'Derived from the form',
code: line.configKey ?? '—',
opening: this.crore(opening),
current: this.crore(current),
// The form's own numbering — I(a)(ii), II(A), VII(c) — rather than the configuration key
// behind it. A reader checking this screen against the filed return looks for the item
// number; FORM1_I_A_II_OTHER_DEMAND_BS is the name of a database row and means nothing to
// them.
sub: '',
code: (label.match(/^\s*\(?([IVXivx]+|[A-Za-z0-9]+)\)?[.)]?/) ?? [
,
'—'
])[1] ?? '—',
opening: this.rupees(opening),
current: this.rupees(current),
openingValue: opening,
currentValue: current,
change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`,
change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.rupees(change).replace('₹', '')}`,
changeDir: change === null ? 'flat' : change >= 0 ? 'up' : 'dn',
// A head with no GL mapped reports nothing, and the form says so rather than reporting nil.
status: line.configured === false ? 'Not mapped' : 'Active'
@@ -235,7 +360,7 @@ export class CrrSlrDialogComponent implements OnInit {
*/
totalOf(rows: CrrSlrRow[], column: 'openingValue' | 'currentValue'): string {
const values = rows.map((r) => r[column]).filter((v): v is number => v !== null);
return values.length ? this.crore(values.reduce((a, b) => a + b, 0)) : '—';
return values.length ? this.rupees(values.reduce((a, b) => a + b, 0)) : '—';
}
/** The movement across a tab, between the two closes the form reports. */
@@ -246,7 +371,7 @@ export class CrrSlrDialogComponent implements OnInit {
return '—';
}
const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
return `${change >= 0 ? '+' : ''}${this.rupees(change).replace('₹', '')}`;
}
/** Fills the four tabs from one reading of the form. */
@@ -257,16 +382,148 @@ export class CrrSlrDialogComponent implements OnInit {
};
// Matched on how the form labels each head, not on a fixed list of account names: a bank that
// maps a new account to a head gets it on the right tab without this screen being changed.
this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit'));
this.timeLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'time liabilit') && !has(l, 'demand and time'));
// III — what the banking system owes this bank, which nets off the liability base.
this.bankingAssets = this.rowsFrom(lines, latest, (l) =>
has(l, 'current account balances with sbi', 'balances in all accounts', 'money at call', 'advances and any other')
// Item II only — what the bank owes its own depositors. Item I's lines are worded the same way
// but are owed to the banking system, and the form nets them against item III rather than
// adding them here, so a tab headed "payable on demand" that carried both would double-count
// the one and misstate the other.
const toBankingSystem = (l: string): boolean => has(l, 'to the banking system', 'banking system');
this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit') && !toBankingSystem(l));
this.timeLiabilities = this.rowsFrom(
lines,
latest,
(l) => has(l, 'time liabilit') && !has(l, 'demand and time') && !toBankingSystem(l)
);
// V, VI and VII — the cash, balances and securities the two ratios are met in.
this.liquidAssets = this.rowsFrom(lines, latest, (l) =>
has(l, 'cash on hand', 'reserve bank of india', 'co-operative bank', 'government securities')
// III — what the banking system owes this bank, which nets off the liability base. Matched on
// the words the form actually prints: its item III(a) reads "TOTAL OF CREDIT BALANCES IN
// CURRENT ACCOUNT maintained with S.B.I...", which the shorter phrases this looked for never
// appeared in, so the tab came out empty while its total showed a figure.
this.bankingAssets = this.rowsFrom(
lines,
latest,
(l) =>
has(
l,
'credit balances in current account',
'other assets with the banking system',
'balances in all accounts',
'money at call',
'advances & any other'
) &&
// Item I(a)(i) is worded almost identically but is the opposite side of the ledger: what
// the banking system holds WITH this bank, a liability. On a tab headed "deducted from
// gross liabilities" it would be read as an asset and netted the wrong way.
!has(l, 'maintained with the co-operative bank by state')
);
// V, VI and VII — the cash, balances and securities the two ratios are met in. Item I's own
// SBI line is excluded: it is a liability TO the banking system, and listing it among the
// assets held against a ratio reads as something the bank can count toward it.
this.liquidAssets = this.rowsFrom(
lines,
latest,
(l) =>
has(l, 'cash on hand', 'reserve bank of india', 'co.op.bank', 'co-operative bank', 'govt. security') &&
!has(l, 'maintained with the co-operative bank by state')
);
}
/**
* The two ratios as rows, so the template states them once rather than twice over.
*/
positionRatios(): {
name: string;
rate: number | null;
required: number;
maintained: number;
surplus: number;
shortfall: number;
met: boolean;
}[] {
if (!this.position) {
return [];
}
return [
{ name: 'CRR', rate: this.position.crrPercentage, ...this.position.crr },
{ name: 'SLR', rate: this.position.slrPercentage, ...this.position.slr }
];
}
/**
* A reserve figure in rupees, to the paisa.
*
* Not rounded like the table cells above: a desk covering a shortfall transfers an exact amount, and
* "₹0.37 Cr" is not an amount anyone can send.
*/
money(value: number | null | undefined): string {
if (value === null || value === undefined) {
return '—';
}
return `₹${value.toLocaleString('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
}
/**
* A figure for a summary tile, scaled so it fits however large the bank grows.
*
* Tiles are read for order of magnitude, so they carry whole rupees up to a crore and switch to
* crore above it: ₹70,10,45,062 is nineteen characters and overflows its card, where ₹70.10 Cr
* is seven and says the same thing to anyone glancing at it. The exact amount, to the paise, is
* on the tables below and on the reserve-accounts tab — which is where anyone acting on a figure
* rather than scanning it goes.
*
* Scaled rather than merely shrunk, because a fixed format only ever fits the balances the bank
* happens to hold today. This one holds at four or five characters whether the figure is lakhs
* or lakh-crore, so a bank that grows ten-fold does not come back to a row of clipped tiles.
*/
tile(value: number | null | undefined): string {
if (value === null || value === undefined) {
return '—';
}
const abs = Math.abs(value);
const sign = value < 0 ? '-' : '';
// Indian scale: a crore is 1e7, a lakh 1e5. Below a lakh the whole rupee figure is already
// short enough that scaling it would hide detail for nothing.
if (abs >= 1e7) {
return `${sign}₹${(abs / 1e7).toLocaleString('en-IN', { maximumFractionDigits: 2 })} Cr`;
}
if (abs >= 1e5) {
return `${sign}₹${(abs / 1e5).toLocaleString('en-IN', { maximumFractionDigits: 2 })} L`;
}
return `${sign}₹${Math.round(abs).toLocaleString('en-IN')}`;
}
/**
* Move money into or out of a reserve account.
*
* The entry posts through the platform's own journal command, so it goes to maker-checker like
* any other entry against the ledger — the money is real, and a transfer that settles a statutory
* requirement is not a thing one person should be able to post alone.
*/
openTransfer(account: ReserveAccount): void {
const ref = this.dialog.open(ReserveTransferDialogComponent, {
data: {
from: account,
// Only the reserve accounts. A transfer out of the cash reserve into something that does
// not count toward it would quietly reduce what is maintained, and this screen exists to
// keep that figure up.
accounts: this.position?.accounts ?? [],
// The entry posts against the user's own office — the one whose books hold these accounts.
// Falls back to head office, which Fineract seeds as 1, rather than failing to open.
officeId: this.auth.getCredentials()?.officeId ?? 1,
currencyCode: 'INR'
},
autoFocus: false
});
ref.afterClosed().subscribe((posted: boolean) => {
if (posted) {
// The balances on screen are now a step behind the ledger. Read again rather than adjusting
// them here: the entry may have gone to maker-checker and not yet moved anything, and a
// screen that assumed it had would show a position the bank is not in.
this.rbi.getReservePosition().subscribe({
next: (data: ReservePosition) => (this.position = data),
error: () => undefined
});
}
});
}
close(): void {