udyamlinc/src/lib/demo/apex.ts

import type { ApexCell, ApexDashboard, ApexDigest, BankScorecardRow, InstitutionRow } from '../api'

/**
 * Demo fallback for the NABARD portal.
 *
 * <p>Mirrors the real shape closely, including a partner bank below the
 * suppression threshold. A demo where every cell is publishable would hide the
 * one behaviour this tier is judged on: that small cells are withheld rather
 * than quietly rounded.
 */

export function demoApexDashboard(): ApexDashboard {
  return {
    partnerBanks: 3,
    branches: 6,
    enterprises: 142,
    red: 34,
    watch: 8,
    standard: 100,
    stressRatePct: 23.9,
    portfolioValue: 32_320_000,
    openAlerts: 75,
    minCellSize: 5,
    dataAgeDays: 0,
  }
}

export function demoBankScorecard(): BankScorecardRow[] {
  return [
    {
      institutionCode: 'MPGB',
      institutionName: 'Madhya Pradesh Gramin Bank',
      shortName: 'MP Gramin',
      type: 'RRB',
      branches: 2,
      enterprises: 44,
      suppressed: false,
      red: 10,
      watch: 3,
      standard: 31,
      stressRatePct: 22.7,
      avgScore: 34.1,
      alertsRaised: 24,
      alertsActioned: 2,
      responseRatePct: 8.3,
      outstanding: 9_940_000,
    },
    {
      institutionCode: 'SEHDCCB',
      institutionName: 'Sehore District Central Cooperative Bank',
      shortName: 'Sehore DCCB',
      type: 'COOPERATIVE',
      branches: 2,
      enterprises: 39,
      suppressed: false,
      red: 7,
      watch: 2,
      standard: 30,
      stressRatePct: 17.9,
      avgScore: 30.6,
      alertsRaised: 22,
      alertsActioned: 8,
      responseRatePct: 36.4,
      outstanding: 8_610_000,
    },
    {
      institutionCode: 'VSFB',
      institutionName: 'Vindhya Small Finance Bank',
      shortName: 'Vindhya SFB',
      type: 'SFB',
      branches: 2,
      enterprises: 59,
      suppressed: false,
      red: 17,
      watch: 3,
      standard: 39,
      stressRatePct: 28.8,
      avgScore: 37.9,
      alertsRaised: 34,
      alertsActioned: 17,
      responseRatePct: 50,
      outstanding: 13_770_000,
    },
    {
      institutionCode: 'NEWCOOP',
      institutionName: 'Betul Cooperative Bank (onboarding)',
      shortName: 'Betul Coop',
      type: 'COOPERATIVE',
      branches: 1,
      enterprises: 3,
      // Below the platform's minimum cell size — nothing else may be published.
      suppressed: true,
    },
  ]
}

export function demoDistricts(): ApexCell[] {
  return [
    { districtName: 'Bhopal', enterprises: 35, suppressed: false, red: 9, watch: 2, standard: 24, stressRatePct: 25.7, avgScore: 35.2 },
    { districtName: 'Raisen', enterprises: 34, suppressed: false, red: 8, watch: 2, standard: 24, stressRatePct: 23.5, avgScore: 33.8 },
    { districtName: 'Sehore', enterprises: 37, suppressed: false, red: 9, watch: 2, standard: 26, stressRatePct: 24.3, avgScore: 34.5 },
    { districtName: 'Vidisha', enterprises: 36, suppressed: false, red: 8, watch: 2, standard: 26, stressRatePct: 22.2, avgScore: 33.1 },
  ]
}

export function demoSectors(): ApexCell[] {
  return [
    { sectorName: 'Handicrafts', enterprises: 30, suppressed: false, red: 12, watch: 1, standard: 17, stressRatePct: 40, avgScore: 42.6 },
    { sectorName: 'Poultry', enterprises: 27, suppressed: false, red: 6, watch: 1, standard: 20, stressRatePct: 22.2, avgScore: 33.4 },
    { sectorName: 'Food processing', enterprises: 28, suppressed: false, red: 6, watch: 3, standard: 19, stressRatePct: 21.4, avgScore: 32.8 },
    { sectorName: 'Dairy', enterprises: 30, suppressed: false, red: 5, watch: 3, standard: 22, stressRatePct: 16.7, avgScore: 30.2 },
    { sectorName: 'Rural retail', enterprises: 27, suppressed: false, red: 5, watch: 0, standard: 22, stressRatePct: 18.5, avgScore: 31.1 },
  ]
}

export function demoDigest(): ApexDigest {
  const banks = demoBankScorecard().filter((b) => !b.suppressed)
  return {
    asOf: '2026-08-06',
    districtsUnderStress: demoDistricts().sort((a, b) => (b.red ?? 0) - (a.red ?? 0)),
    sectorsUnderStress: demoSectors().sort((a, b) => (b.red ?? 0) - (a.red ?? 0)),
    slowestResponders: banks.sort((a, b) => (a.responseRatePct ?? 0) - (b.responseRatePct ?? 0)),
  }
}

export function demoInstitutions(): InstitutionRow[] {
  return [
    {
      code: 'NABARD',
      name: 'National Bank for Agriculture and Rural Development',
      shortName: 'NABARD',
      type: 'APEX',
      state: 'Madhya Pradesh',
      branches: [],
    },
    {
      code: 'MPGB',
      name: 'Madhya Pradesh Gramin Bank',
      shortName: 'MP Gramin',
      type: 'RRB',
      state: 'Madhya Pradesh',
      branches: [
        { code: 'SEH01', name: 'Sehore Main Branch', region: 'Bhopal Region', blocks: 'Sehore' },
        { code: 'VID01', name: 'Vidisha Main Branch', region: 'Bhopal Region', blocks: 'Vidisha' },
      ],
    },
    {
      code: 'SEHDCCB',
      name: 'Sehore District Central Cooperative Bank',
      shortName: 'Sehore DCCB',
      type: 'COOPERATIVE',
      state: 'Madhya Pradesh',
      branches: [
        { code: 'SEH02', name: 'Sehore Cooperative Branch', region: 'Sehore Region', blocks: 'Sehore' },
        { code: 'RAI01', name: 'Raisen Cooperative Branch', region: 'Sehore Region', blocks: 'Raisen' },
      ],
    },
    {
      code: 'VSFB',
      name: 'Vindhya Small Finance Bank',
      shortName: 'Vindhya SFB',
      type: 'SFB',
      state: 'Madhya Pradesh',
      branches: [
        { code: 'BPL01', name: 'Bhopal City Branch', region: 'Bhopal Region', blocks: 'Bhopal' },
        { code: 'RAI02', name: 'Raisen Branch', region: 'Bhopal Region', blocks: 'Raisen' },
      ],
    },
  ]
}