Nitesh YadavandClaude Sonnet 4.6
d367e76104
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
402 lines
14 KiB
HTML
402 lines
14 KiB
HTML
<!--
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Copyright since 2025 Mifos Initiative
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This Source Code Form is subject to the terms of the Mozilla Public
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License, v. 2.0. If a copy of the MPL was not distributed with this
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file, You can obtain one at http://mozilla.org/MPL/2.0/.
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-->
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<div class="crar-dialog">
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<!-- Header -->
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<div class="dialog-header">
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<div class="header-left">
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<div class="header-badge">
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<fa-icon icon="shield-alt"></fa-icon>
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Basel III Capital Adequacy
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</div>
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<h2 class="dialog-title">CRAR — Basel III Capital Adequacy</h2>
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<p class="dialog-sub">Capital to Risk-Weighted Assets Ratio · RBI Master Circular</p>
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</div>
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<div class="header-right">
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<div class="as-of-box">
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<strong>Q3 FY 2025-26</strong>
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<span>Reporting Quarter</span>
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</div>
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<a
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class="rbi-circular-btn"
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href="https://www.rbi.org.in/scripts/bs_circularindexdisplay.aspx"
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target="_blank"
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rel="noopener noreferrer"
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matTooltip="View RBI Circulars"
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>
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<fa-icon icon="external-link-alt"></fa-icon>
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RBI Circulars
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</a>
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<button class="close-btn" (click)="close()" matTooltip="Close">
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<fa-icon icon="times"></fa-icon>
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</button>
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</div>
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</div>
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<!-- Summary Cards -->
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<div class="summary-row">
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<div class="summary-card sc-t1c">
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<div class="sc-label">Tier 1 Capital</div>
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<div class="sc-value">₹8,284<span class="cr">Cr</span></div>
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<div class="sc-sub">CET1 + AT1</div>
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</div>
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<div class="summary-card sc-t2c">
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<div class="sc-label">Tier 2 Capital</div>
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<div class="sc-value">₹1,556<span class="cr">Cr</span></div>
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<div class="sc-sub">Supplementary Capital</div>
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</div>
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<div class="summary-card sc-total-cap">
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<div class="sc-label">Total Capital</div>
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<div class="sc-value">₹9,840<span class="cr">Cr</span></div>
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<div class="sc-sub">Tier 1 + Tier 2</div>
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</div>
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<div class="summary-card sc-rwa">
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<div class="sc-label">Total RWA</div>
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<div class="sc-value">₹58,420<span class="cr">Cr</span></div>
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<div class="sc-sub">Credit + Market + Op Risk</div>
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</div>
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<div class="summary-card sc-crar">
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<div class="sc-label">CRAR</div>
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<div class="sc-value">{{ crar }}%</div>
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<div class="sc-sub">Min required: 10.50%</div>
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</div>
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<div class="summary-card sc-buffer">
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<div class="sc-label">Capital Buffer</div>
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<div class="sc-value">+{{ capitalBuffer }}%</div>
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<div class="sc-change up">↑ Above RBI minimum</div>
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</div>
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</div>
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<!-- Tab Navigation -->
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<div class="tab-nav">
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<button class="tab-btn" [class.active]="activeTab === 'tier1'" (click)="activeTab = 'tier1'">
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<span class="tab-pill pill-t1c">01</span> Tier 1 Capital
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</button>
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<button class="tab-btn" [class.active]="activeTab === 'tier2'" (click)="activeTab = 'tier2'">
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<span class="tab-pill pill-t2c">02</span> Tier 2 Capital
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</button>
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<button class="tab-btn" [class.active]="activeTab === 'creditRisk'" (click)="activeTab = 'creditRisk'">
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<span class="tab-pill pill-cr">03</span> Credit Risk RWA
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</button>
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<button class="tab-btn" [class.active]="activeTab === 'marketRisk'" (click)="activeTab = 'marketRisk'">
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<span class="tab-pill pill-mr">04</span> Market Risk RWA
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</button>
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<button class="tab-btn" [class.active]="activeTab === 'opRisk'" (click)="activeTab = 'opRisk'">
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<span class="tab-pill pill-or">05</span> Operational Risk RWA
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</button>
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</div>
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<!-- Tier 1 Capital Table -->
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@if (activeTab === 'tier1') {
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<div class="section-desc">Common Equity Tier 1 (CET1) + Additional Tier 1 (AT1) — Basel III Framework</div>
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<div class="table-wrap">
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<table>
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<thead>
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<tr>
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<th class="sl">#</th>
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<th>Capital Item</th>
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<th>Account Code</th>
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<th>Category</th>
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<th class="right">Previous (₹ Cr)</th>
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<th class="right">Current (₹ Cr)</th>
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<th class="right">Change (₹ Cr)</th>
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</tr>
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</thead>
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<tbody>
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@for (item of tier1Capital; track item.sl) {
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<tr>
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<td class="sl">{{ item.sl }}</td>
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<td>
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<div class="item-name">{{ item.name }}</div>
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<div class="item-sub">{{ item.sub }}</div>
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</td>
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<td class="mono">{{ item.code }}</td>
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<td>
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<span
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class="status-chip"
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[class.chip-cet1]="item.category === 'CET1'"
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[class.chip-at1]="item.category === 'AT1'"
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>
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{{ item.category }}
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</span>
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</td>
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<td class="right amt amt-t1c">{{ item.prev }}</td>
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<td class="right amt amt-t1c">{{ item.curr }}</td>
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<td class="right" [class.up]="item.changeDir === 'up'" [class.dn]="item.changeDir === 'dn'">
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{{ item.change }}
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</td>
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</tr>
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}
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</tbody>
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<tfoot>
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<tr>
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<td colspan="4"><strong>Total Tier 1 Capital (CET1 + AT1)</strong></td>
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<td class="right foot-t1c">7,961.20</td>
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<td class="right foot-t1c">8,284.80</td>
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<td class="right up">+323.60</td>
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</tr>
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</tfoot>
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</table>
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</div>
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}
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<!-- Tier 2 Capital Table -->
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@if (activeTab === 'tier2') {
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<div class="section-desc">Supplementary Capital — Subordinated debt, provisions & reserves</div>
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<div class="table-wrap">
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<table>
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<thead>
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<tr>
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<th class="sl">#</th>
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<th>Capital Item</th>
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<th>Account Code</th>
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<th class="right">Previous (₹ Cr)</th>
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<th class="right">Current (₹ Cr)</th>
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<th class="right">Change (₹ Cr)</th>
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</tr>
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</thead>
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<tbody>
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@for (item of tier2Capital; track item.sl) {
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<tr>
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<td class="sl">{{ item.sl }}</td>
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<td>
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<div class="item-name">{{ item.name }}</div>
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<div class="item-sub">{{ item.sub }}</div>
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</td>
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<td class="mono">{{ item.code }}</td>
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<td class="right amt amt-t2c">{{ item.prev }}</td>
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<td class="right amt amt-t2c">{{ item.curr }}</td>
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<td class="right" [class.up]="item.changeDir === 'up'" [class.dn]="item.changeDir === 'dn'">
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{{ item.change }}
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</td>
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</tr>
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}
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</tbody>
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<tfoot>
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<tr>
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<td colspan="3"><strong>Total Tier 2 Capital</strong></td>
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<td class="right foot-t2c">1,484.60</td>
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<td class="right foot-t2c">1,556.00</td>
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<td class="right up">+71.40</td>
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</tr>
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</tfoot>
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</table>
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</div>
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}
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<!-- Credit Risk RWA Table -->
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@if (activeTab === 'creditRisk') {
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<div class="section-desc">Risk-Weighted Assets for Credit Risk — Standardised Approach (RBI)</div>
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<div class="table-wrap">
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<table>
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<thead>
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<tr>
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<th class="sl">#</th>
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<th>Exposure Category</th>
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<th>Account Code</th>
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<th>Risk Weight</th>
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<th class="right">Gross Exposure (₹ Cr)</th>
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<th class="right">RWA (₹ Cr)</th>
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</tr>
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</thead>
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<tbody>
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@for (item of creditRiskRWA; track item.sl) {
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<tr>
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<td class="sl">{{ item.sl }}</td>
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<td>
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<div class="item-name">{{ item.name }}</div>
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<div class="item-sub">{{ item.sub }}</div>
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</td>
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<td class="mono">{{ item.code }}</td>
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<td>
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<span class="status-chip chip-rw">{{ item.rw }}</span>
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</td>
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<td class="right amt amt-cr">{{ item.gross }}</td>
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<td class="right amt amt-cr">{{ item.rwa }}</td>
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</tr>
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}
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</tbody>
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<tfoot>
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<tr>
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<td colspan="4"><strong>Total Credit Risk RWA</strong></td>
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<td class="right"></td>
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<td class="right foot-cr">47,820.40</td>
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</tr>
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</tfoot>
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</table>
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</div>
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}
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<!-- Market Risk RWA Table -->
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@if (activeTab === 'marketRisk') {
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<div class="section-desc">Risk-Weighted Assets for Market Risk — Standardised Duration Approach</div>
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<div class="table-wrap">
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<table>
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<thead>
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<tr>
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<th class="sl">#</th>
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<th>Risk Component</th>
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<th>Account Code</th>
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<th>Approach</th>
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<th class="right">Capital Charge (₹ Cr)</th>
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<th class="right">RWA (₹ Cr)</th>
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</tr>
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</thead>
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<tbody>
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@for (item of marketRiskRWA; track item.sl) {
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<tr>
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<td class="sl">{{ item.sl }}</td>
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<td>
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<div class="item-name">{{ item.name }}</div>
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<div class="item-sub">{{ item.sub }}</div>
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</td>
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<td class="mono">{{ item.code }}</td>
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<td>
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<span class="status-chip chip-approach">{{ item.approach }}</span>
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</td>
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<td class="right amt amt-mr">{{ item.cc }}</td>
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<td class="right amt amt-mr">{{ item.rwa }}</td>
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</tr>
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}
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</tbody>
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<tfoot>
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<tr>
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<td colspan="4"><strong>Total Market Risk RWA</strong></td>
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<td class="right"></td>
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<td class="right foot-mr">7,005.00</td>
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</tr>
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</tfoot>
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</table>
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</div>
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}
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<!-- Operational Risk RWA Table -->
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@if (activeTab === 'opRisk') {
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<div class="section-desc">Basic Indicator Approach (BIA) — RWA = Capital Charge × 12.5</div>
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<div class="table-wrap">
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<table>
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<thead>
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<tr>
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<th class="sl">#</th>
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<th>Parameter</th>
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<th class="right">Value</th>
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</tr>
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</thead>
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<tbody>
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<tr>
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<td class="sl">01</td>
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<td>
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<div class="item-name">Gross Income Average (3-year)</div>
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<div class="item-sub">Average of last 3 years positive gross income</div>
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</td>
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<td class="right amt amt-or">₹{{ opRiskGrossIncome | number: '1.2-2' }} Cr</td>
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</tr>
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<tr>
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<td class="sl">02</td>
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<td>
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<div class="item-name">Alpha Factor</div>
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<div class="item-sub">Fixed multiplier as per Basel III BIA</div>
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</td>
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<td class="right amt amt-or">{{ opRiskAlpha }}%</td>
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</tr>
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<tr>
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<td class="sl">03</td>
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<td>
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<div class="item-name">Capital Charge</div>
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<div class="item-sub">Gross Income × Alpha</div>
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</td>
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<td class="right amt amt-or">₹{{ opRiskCapitalCharge | number: '1.2-2' }} Cr</td>
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</tr>
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<tr>
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<td class="sl">04</td>
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<td>
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<div class="item-name">RWA (Capital Charge × 12.5)</div>
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<div class="item-sub">{{ opRiskCapitalCharge }} × 12.5 = {{ opRiskRWA }}</div>
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</td>
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<td class="right amt amt-or">₹{{ opRiskRWA | number: '1.2-2' }} Cr</td>
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</tr>
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</tbody>
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<tfoot>
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<tr>
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<td colspan="2"><strong>Total Operational Risk RWA</strong></td>
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<td class="right foot-or">3,595.60</td>
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</tr>
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</tfoot>
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</table>
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</div>
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}
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<!-- CRAR Formula Block -->
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<div class="formula-block crar-formula">
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<div class="formula-title">CRAR Computation — (Tier 1 + Tier 2) ÷ Total RWA × 100</div>
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<div class="formula-row">
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<div class="formula-term ft-t1c">
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<div class="formula-term-label">Tier 1 Capital</div>
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<div class="formula-term-val">₹{{ totalTier1 | number: '1.2-2' }}</div>
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<div class="formula-term-sub">CET1 + AT1</div>
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</div>
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<div class="formula-op">+</div>
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<div class="formula-term ft-t2c">
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<div class="formula-term-label">Tier 2 Capital</div>
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<div class="formula-term-val">₹{{ totalTier2 | number: '1.2-2' }}</div>
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<div class="formula-term-sub">Supplementary</div>
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</div>
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<div class="formula-op">÷</div>
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<div class="formula-term ft-rwa">
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<div class="formula-term-label">Total RWA</div>
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<div class="formula-term-val">₹{{ totalRWA | number: '1.0-0' }}</div>
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<div class="formula-term-sub">Credit + Market + Op</div>
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</div>
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<div class="formula-op">×</div>
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<div class="formula-term" style="border-color: #e2e8f0; background: #f8fafc">
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<div class="formula-term-label" style="color: #64748b">100</div>
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<div class="formula-term-val" style="color: #334155">100</div>
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<div class="formula-term-sub"> </div>
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</div>
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<div class="formula-op equals">=</div>
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<div class="formula-term ft-crar-result">
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<div class="formula-term-label">CRAR</div>
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<div class="formula-term-val">{{ crar }}%</div>
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<div class="formula-term-sub">Min required: 10.50%</div>
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</div>
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</div>
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</div>
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<!-- Basel III Compliance Bar -->
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<div class="compliance-bar">
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<div class="compliance-left">
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<div class="compliance-title">Basel III Compliance Status</div>
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<div class="compliance-desc">
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All thresholds met · CRAR: {{ crar }}% · CET1: {{ cet1Ratio }}% · Tier 1: {{ tier1Ratio }}%
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· Tier 2: {{ tier2Ratio }}%
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</div>
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</div>
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<div class="compliance-calcs">
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<div class="compliance-calc">
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<div class="compliance-calc-label">CET1 Ratio</div>
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<div class="compliance-calc-val">{{ cet1Ratio }}%</div>
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</div>
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<div class="compliance-calc">
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<div class="compliance-calc-label">Tier 1 Ratio</div>
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<div class="compliance-calc-val">{{ tier1Ratio }}%</div>
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</div>
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<div class="compliance-calc">
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<div class="compliance-calc-label">CRAR</div>
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<div class="compliance-calc-val surplus">{{ crar }}%</div>
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</div>
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</div>
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</div>
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<!-- Footer -->
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<div class="dialog-footer">
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<span>CBSNexora · Basel III Capital Adequacy</span>
|
|
<span>RBI Master Circular — CRAR 2025-26</span>
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<button mat-button (click)="close()">Close</button>
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</div>
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</div>
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