cbsnexora/src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.ts

/**
 * Copyright since 2025 Mifos Initiative
 *
 * This Source Code Form is subject to the terms of the Mozilla Public
 * License, v. 2.0. If a copy of the MPL was not distributed with this
 * file, You can obtain one at http://mozilla.org/MPL/2.0/.
 */

import { Component, OnInit, inject } from '@angular/core';
import { CommonModule, DecimalPipe } from '@angular/common';
import { 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';

/** One account under a head, at the base date and the reporting date. */
interface CrrSlrRow {
  sl: string;
  name: string;
  sub: string;
  code: string;
  opening: string;
  current: string;
  /** The figures themselves, kept so totals add from values rather than from formatted text. */
  openingValue: number | null;
  currentValue: number | null;
  change: string;
  changeDir: 'up' | 'dn' | 'flat';
  status: string;
}

@Component({
  selector: 'mifosx-crr-slr-dialog',
  standalone: true,
  templateUrl: './crr-slr-dialog.component.html',
  styleUrls: ['./crr-slr-dialog.component.scss'],
  imports: [
    CommonModule,
    DecimalPipe,
    MatDialogModule,
    MatButtonModule,
    MatTabsModule,
    MatTooltipModule,
    FaIconComponent
  ]
})
export class CrrSlrDialogComponent implements OnInit {
  private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
  private rbi = inject(RbiCircularsService);

  activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';

  /** The date the figures were struck at, as the return itself reports it. */
  reportingDateStr = '';

  /**
   * The close the ratios are charged on — the second preceding fortnight, not the one reported.
   *
   * Named on screen because the gap between the two is the whole of how the rules work: a bank
   * cannot hold a reserve against liabilities it does not yet know, so the requirement is fixed on
   * a position already struck and reported. A screen showing one date invites a reader to think the
   * requirement was worked out on the day it is shown against.
   */
  baseDateStr = '';

  loading = true;
  /** Set when the return could not be computed — and why, in the return's own words. */
  unavailable = '';

  /**
   * The NDTL computation, read from the return rather than stated here.
   *
   * These were fixed numbers until now — a demonstration screen that showed ₹69,221 Cr whatever the
   * ledger held. The figures are the bank's own regulatory position, so a plausible-looking number
   * is worse than no number: it reads as a reported figure and cannot be told apart from one.
   *
   * Null until the return answers, and left null where it cannot compute. The template shows a dash
   * for a null, which says "not reported" where a zero would say "reported as nil".
   */
  totalDemand: number | null = null;
  totalTime: number | null = null;
  totalBankingAssets: number | null = null;
  ndtl: number | null = null;
  crrRate: number | null = null;
  slrRate: number | null = null;
  crrRequired: number | null = null;
  slrRequired: number | null = null;
  totalLiquidAssets: number | null = null;
  slrActualPercent: number | null = null;
  slrSurplus: number | null = null;
  totalReserve: number | null = null;

  /**
   * A figure for display, or a dash where the return did not carry one.
   *
   * 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 {
    if (value === null) {
      return '—';
    }
    return `₹${value.toLocaleString('en-IN', { maximumFractionDigits: 0 })}`;
  }

  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);

    // 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
    // struck 45 days back by a lag rule that belongs to the other report. Those two disagree by
    // weeks, and the 45-day one lands mid-fortnight on a date the bank never reported.
    this.rbi.getForm1Statutory().subscribe({
      next: (data: any) => {
        this.loading = false;

        // The later of the two closes the return reports — the one the bank most recently filed.
        const columns: string[] = data?.columns ?? [];
        const latest = columns.length - 1;
        this.reportingDateStr = columns[latest] ?? '';
        this.baseDateStr = data?.baseColumns?.[latest] ?? '';
        this.crrRate = data?.crrPercentage ?? null;
        this.slrRate = data?.slrPercentage ?? null;

        if (!columns.length) {
          this.unavailable =
            data?.unmetRequirements?.[0] ?? 'Form 1 could not be computed. Check the CRR/SLR configuration in Admin.';
          return;
        }
        // The return computes but says something would make it wrong to file — a rate never set, a
        // base date the ledger cannot answer. Shown rather than swallowed: the reason is the thing
        // an administrator needs in order to fix it.
        this.unavailable = data?.unmetRequirements?.[0] ?? '';

        // 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 ?? [];
        const at = (startsWith: string): number | null => {
          const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
          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]);

        if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
          this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
        }
        if (this.ndtl) {
          this.slrActualPercent =
            this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
        }
        if (this.crrRequired !== null && this.slrRequired !== null) {
          this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
        }

        this.fillTabs(lines, latest);
      },
      error: () => {
        this.loading = false;
        this.unavailable = 'The CRR/SLR position could not be read. The return service did not respond.';
      }
    });
  }

  /**
   * The four tabs, filled from the return's own lines.
   *
   * These were four fixed lists until now — 435 lines of invented accounts with invented balances,
   * which a reader had no way to tell apart from the bank's real position. They are now built from
   * the accounts the return actually read, so a tab is empty exactly when the bank has nothing
   * mapped under that head, and says so.
   */
  demandLiabilities: CrrSlrRow[] = [];
  timeLiabilities: CrrSlrRow[] = [];
  bankingAssets: CrrSlrRow[] = [];
  liquidAssets: CrrSlrRow[] = [];
  /**
   * Turns Part A's lines into the rows a tab shows.
   *
   * The form reports each head at both of the closes it carries, so the earlier column is the
   * opening and the later one the current — the same pair these tables have always shown, now taken
   * from the form rather than invented. Headings and totals are skipped: a heading carries no
   * figure, and a total would be added a second time by the footer below.
   */
  private rowsFrom(lines: any[], latest: number, match: (label: string) => boolean): CrrSlrRow[] {
    const rows: CrrSlrRow[] = [];
    for (const line of lines ?? []) {
      const label = String(line?.label ?? '');
      if (line?.heading || line?.total || !line?.values || !match(label)) {
        continue;
      }
      const opening = latest > 0 ? (line.values[latest - 1] ?? null) : null;
      const current = line.values[latest] ?? null;
      const change = opening === null || current === null ? null : current - opening;
      rows.push({
        sl: String(rows.length + 1).padStart(2, '0'),
        // 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),
        openingValue: opening,
        currentValue: current,
        change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(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'
      });
    }
    return rows;
  }

  /**
   * A tab's column total, added from the rows on screen.
   *
   * Added from the rows rather than stated separately, so the foot of a table always agrees with
   * what is above it. The footers used to be fixed text and agreed with nothing.
   *
   * Summed from each row's own figure, not from the text it displays: a total parsed back out of
   * formatted strings would quietly lose the paise the display rounds away.
   */
  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)) : '—';
  }

  /** The movement across a tab, between the two closes the form reports. */
  totalChange(rows: CrrSlrRow[]): string {
    const opening = rows.map((r) => r.openingValue).filter((v): v is number => v !== null);
    const current = rows.map((r) => r.currentValue).filter((v): v is number => v !== null);
    if (!opening.length || !current.length) {
      return '—';
    }
    const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
    return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
  }

  /** Fills the four tabs from one reading of the form. */
  private fillTabs(lines: any[], latest: number): void {
    const has = (label: string, ...words: string[]): boolean => {
      const l = label.toLowerCase();
      return words.some((w) => l.includes(w));
    };
    // 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')
    );
    // 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')
    );
  }

  close(): void {
    this.dialogRef.close();
  }
}