nanopy-bank 1.0.8__py3-none-any.whl

nanopy_bank/ui/pages/holding.py

@@ -0,0 +1,943 @@
+"""
+Holding page - Group management view for Nova x Genesis SASU
+"""
+
+import streamlit as st
+from decimal import Decimal
+from datetime import datetime, date
+
+from .common import page_header
+
+try:
+    from ...data.demo import get_demo_holding_data
+except ImportError:
+    from nanopy_bank.data.demo import get_demo_holding_data
+
+
+def get_holding_data():
+    """Get or create holding data in session state"""
+    if "holding_data" not in st.session_state:
+        st.session_state.holding_data = get_demo_holding_data()
+    return st.session_state.holding_data
+
+
+def format_amount(amount: Decimal, currency: str = "EUR") -> str:
+    """Format amount with thousands separator"""
+    return f"{amount:,.2f} {currency}".replace(",", " ").replace(".", ",").replace(" ", " ")
+
+
+def render_holding(tab: str = "dashboard"):
+    """Render holding/group management dashboard"""
+    data = get_holding_data()
+    holding = data["holding"]
+
+    page_header(holding["name"])
+
+    st.markdown(f"""
+    <div style="background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%); border: 1px solid #333; border-radius: 12px; padding: 20px; margin-bottom: 20px;">
+        <div style="color: #00ff88; font-size: 12px; text-transform: uppercase;">{holding['legal_name']}</div>
+        <div style="color: white; font-size: 24px; font-weight: bold; margin: 8px 0;">SIREN: {holding['siren']} | LEI: {holding['lei']}</div>
+    </div>
+    """, unsafe_allow_html=True)
+
+    if tab == "dashboard":
+        render_dashboard_tab(data)
+    elif tab == "tresorerie":
+        render_tresorerie_tab(data)
+    elif tab == "investissements":
+        render_investissements_tab(data)
+    elif tab == "assurances":
+        render_assurances_tab(data)
+    elif tab == "filiales":
+        render_filiales_tab(data)
+    elif tab == "consolidation":
+        render_consolidation_tab(data)
+    elif tab == "risques":
+        render_risques_tab(data)
+    elif tab == "gouvernance":
+        render_gouvernance_tab(data)
+
+
+def render_dashboard_tab(data):
+    """Dashboard with KPIs"""
+    st.markdown("### Vue d'ensemble")
+
+    # Calculate totals
+    total_treasury = data["accounts"]["principal"]["balance"] + data["accounts"]["tresorerie"]["balance"]
+    total_assets = sum(s["assets"] for s in data["subsidiaries"])
+    total_employees = sum(s["employees"] for s in data["subsidiaries"])
+    pool_net = sum(s["pool_balance"] for s in data["subsidiaries"])
+
+    col1, col2, col3, col4 = st.columns(4)
+    with col1:
+        st.metric("Tresorerie Holding", format_amount(total_treasury))
+    with col2:
+        st.metric("Actifs Consolides", f"{total_assets/1000000000:.1f}B EUR")
+    with col3:
+        st.metric("Effectif Groupe", f"{total_employees:,}".replace(",", " "))
+    with col4:
+        st.metric("Position Cash Pool", format_amount(pool_net))
+
+    st.divider()
+
+    # Recent activity
+    col1, col2 = st.columns(2)
+
+    with col1:
+        st.markdown("### Filiales")
+        for sub in data["subsidiaries"][:3]:
+            status_color = "#00ff88" if sub["status"] == "active" else "#ffd93d"
+            st.markdown(f"""
+            <div style="background: #1e1e2f; padding: 12px; border-radius: 8px; margin-bottom: 8px;">
+                <div style="display: flex; justify-content: space-between;">
+                    <span style="color: white; font-weight: bold;">{sub['name']}</span>
+                    <span style="color: {status_color};">{sub['ownership']}%</span>
+                </div>
+                <div style="color: #888; font-size: 12px;">{sub['type']}</div>
+            </div>
+            """, unsafe_allow_html=True)
+
+    with col2:
+        st.markdown("### Prets Intra-Groupe")
+        for loan in data["intra_group_loans"][:3]:
+            st.markdown(f"""
+            <div style="background: #1e1e2f; padding: 12px; border-radius: 8px; margin-bottom: 8px;">
+                <div style="display: flex; justify-content: space-between;">
+                    <span style="color: white; font-weight: bold;">{loan['borrower']}</span>
+                    <span style="color: #00d4ff;">{format_amount(loan['outstanding'])}</span>
+                </div>
+                <div style="color: #888; font-size: 12px;">Taux: {loan['rate']}% | Echeance: {loan['maturity'].strftime('%d/%m/%Y')}</div>
+            </div>
+            """, unsafe_allow_html=True)
+
+
+def render_tresorerie_tab(data):
+    """Treasury management"""
+    st.markdown("### Comptes Tresorerie")
+
+    col1, col2 = st.columns(2)
+
+    for key, account in data["accounts"].items():
+        with col1 if key == "principal" else col2:
+            color = "#00ff88" if key == "principal" else "#00d4ff"
+            st.markdown(f"""
+            <div style="background: linear-gradient(135deg, #1b4e2d, #0d2818); border: 1px solid {color}; border-radius: 12px; padding: 20px;">
+                <div style="color: {color}; font-size: 12px; text-transform: uppercase;">{account['name']}</div>
+                <div style="color: white; font-size: 11px; margin: 4px 0;">{account['iban']}</div>
+                <div style="color: {color}; font-size: 28px; font-weight: bold; margin-top: 12px;">{format_amount(account['balance'])}</div>
+            </div>
+            """, unsafe_allow_html=True)
+
+    st.divider()
+
+    # Cash pooling
+    st.markdown("### Cash Pooling - Position Nette")
+
+    for sub in data["subsidiaries"]:
+        col1, col2, col3, col4 = st.columns([2, 2, 2, 1])
+        with col1:
+            st.markdown(f"**{sub['name']}**")
+            st.caption(f"FR76 NANP {sub['id'][-4:]} xxxx")
+        with col2:
+            balance = sub["pool_balance"]
+            if balance >= 0:
+                st.markdown(f":green[+{format_amount(balance)}]")
+            else:
+                st.markdown(f":red[{format_amount(balance)}]")
+        with col3:
+            st.caption(f"Limite: {format_amount(sub['pool_limit'])}")
+        with col4:
+            if st.button("Virement", key=f"pool_transfer_{sub['id']}"):
+                st.session_state.show_transfer_modal = sub['id']
+
+    # Transfer modal
+    if "show_transfer_modal" in st.session_state and st.session_state.show_transfer_modal:
+        sub_id = st.session_state.show_transfer_modal
+        sub = next((s for s in data["subsidiaries"] if s["id"] == sub_id), None)
+        if sub:
+            with st.expander(f"Virement vers/depuis {sub['name']}", expanded=True):
+                direction = st.radio("Direction", ["Holding -> Filiale", "Filiale -> Holding"], key=f"dir_{sub_id}")
+                amount = st.number_input("Montant (EUR)", min_value=0.0, max_value=10000000.0, step=1000.0, key=f"amt_{sub_id}")
+                motif = st.text_input("Motif", key=f"motif_{sub_id}")
+
+                col1, col2 = st.columns(2)
+                with col1:
+                    if st.button("Annuler", key=f"cancel_{sub_id}"):
+                        del st.session_state.show_transfer_modal
+                        st.rerun()
+                with col2:
+                    if st.button("Valider", type="primary", key=f"validate_{sub_id}"):
+                        if amount > 0 and motif:
+                            # Process transfer
+                            if "Holding -> Filiale" in direction:
+                                data["accounts"]["principal"]["balance"] -= Decimal(str(amount))
+                                sub["pool_balance"] += Decimal(str(amount))
+                            else:
+                                data["accounts"]["principal"]["balance"] += Decimal(str(amount))
+                                sub["pool_balance"] -= Decimal(str(amount))
+
+                            data["transactions"].append({
+                                "date": datetime.now(),
+                                "type": "pool_transfer",
+                                "direction": direction,
+                                "subsidiary": sub["name"],
+                                "amount": Decimal(str(amount)),
+                                "motif": motif,
+                            })
+
+                            del st.session_state.show_transfer_modal
+                            st.success(f"Virement de {format_amount(Decimal(str(amount)))} effectue")
+                            st.rerun()
+                        else:
+                            st.error("Veuillez remplir tous les champs")
+
+    st.divider()
+
+    pool_net = sum(s["pool_balance"] for s in data["subsidiaries"])
+    col1, col2, col3 = st.columns(3)
+    with col1:
+        st.metric("Position Nette Pool", format_amount(pool_net))
+    with col2:
+        st.metric("Taux Crediteur", f"{data['pool_rates']['credit']}%")
+    with col3:
+        st.metric("Taux Debiteur", f"{data['pool_rates']['debit']}%")
+
+    st.divider()
+
+    # Intra-group loans
+    st.markdown("### Prets Intra-Groupe")
+
+    for loan in data["intra_group_loans"]:
+        col1, col2, col3, col4, col5 = st.columns([2, 2, 1, 2, 1])
+        with col1:
+            st.markdown(f"**{loan['borrower']}**")
+            st.caption(f"Ref: {loan['id']}")
+        with col2:
+            st.markdown(f":blue[{format_amount(loan['outstanding'])}]")
+            st.caption(f"Principal: {format_amount(loan['principal'])}")
+        with col3:
+            st.caption(f"Taux: {loan['rate']}%")
+        with col4:
+            st.caption(f"Echeance: {loan['maturity'].strftime('%d/%m/%Y')}")
+        with col5:
+            if st.button("Details", key=f"loan_{loan['id']}"):
+                st.info(f"Debut: {loan['start_date'].strftime('%d/%m/%Y')}\nRembourse: {format_amount(loan['principal'] - loan['outstanding'])}")
+        st.divider()
+
+    total_loans = sum(l["outstanding"] for l in data["intra_group_loans"])
+    st.metric("Total Encours Prets", format_amount(total_loans))
+
+    # New loan button
+    if st.button("Nouveau Pret Intra-Groupe", type="primary"):
+        st.session_state.show_new_loan = True
+
+    if st.session_state.get("show_new_loan"):
+        with st.expander("Nouveau Pret", expanded=True):
+            borrower = st.selectbox("Emprunteur", [s["name"] for s in data["subsidiaries"]])
+            principal = st.number_input("Montant (EUR)", min_value=100000.0, max_value=50000000.0, step=100000.0)
+            rate = st.number_input("Taux annuel (%)", min_value=0.5, max_value=5.0, step=0.25, value=1.25)
+            maturity = st.date_input("Date d'echeance", min_value=date.today())
+
+            if st.button("Creer le pret", type="primary"):
+                sub = next((s for s in data["subsidiaries"] if s["name"] == borrower), None)
+                if sub:
+                    new_loan = {
+                        "id": f"IGL{len(data['intra_group_loans'])+1:03d}",
+                        "borrower": borrower,
+                        "borrower_id": sub["id"],
+                        "principal": Decimal(str(principal)),
+                        "outstanding": Decimal(str(principal)),
+                        "rate": Decimal(str(rate)),
+                        "start_date": date.today(),
+                        "maturity": maturity,
+                        "status": "active",
+                    }
+                    data["intra_group_loans"].append(new_loan)
+                    data["accounts"]["principal"]["balance"] -= Decimal(str(principal))
+                    del st.session_state.show_new_loan
+                    st.success(f"Pret de {format_amount(Decimal(str(principal)))} accorde a {borrower}")
+                    st.rerun()
+
+
+def render_filiales_tab(data):
+    """Subsidiaries management"""
+    st.markdown("### Filiales du Groupe")
+
+    for sub in data["subsidiaries"]:
+        with st.expander(f"{sub['name']} ({sub['ownership']}%)", expanded=False):
+            col1, col2, col3 = st.columns(3)
+            with col1:
+                st.markdown(f"**Type:** {sub['type']}")
+                st.markdown(f"**Statut:** {'Actif' if sub['status'] == 'active' else 'Startup'}")
+            with col2:
+                st.markdown(f"**Actifs:** {sub['assets']/1000000:.0f}M EUR")
+                st.markdown(f"**Effectif:** {sub['employees']}")
+            with col3:
+                st.markdown(f"**Participation:** {sub['ownership']}%")
+                pool_color = "green" if sub["pool_balance"] >= 0 else "red"
+                st.markdown(f"**Position Pool:** :{pool_color}[{format_amount(sub['pool_balance'])}]")
+
+            # Actions
+            col1, col2, col3 = st.columns(3)
+            with col1:
+                if st.button("Voir details", key=f"details_{sub['id']}"):
+                    st.info(f"ID: {sub['id']}\nLimite pool: {format_amount(sub['pool_limit'])}")
+            with col2:
+                if st.button("Historique", key=f"history_{sub['id']}"):
+                    txs = [t for t in data["transactions"] if t.get("subsidiary") == sub["name"]]
+                    if txs:
+                        for tx in txs[-5:]:
+                            st.write(f"{tx['date'].strftime('%d/%m/%Y')} - {tx['type']} - {format_amount(tx['amount'])}")
+                    else:
+                        st.info("Aucune transaction")
+
+    st.divider()
+
+    # Dividends
+    st.markdown("### Dividendes")
+
+    for div in data["dividends"]:
+        col1, col2, col3, col4, col5 = st.columns([2, 2, 2, 2, 1])
+        with col1:
+            st.markdown(f"**{div['subsidiary']}**")
+            st.caption(f"Exercice {div['year']}")
+        with col2:
+            st.caption(f"Brut: {format_amount(div['gross'])}")
+        with col3:
+            st.caption(f"Retenue: {format_amount(div['tax'])}")
+        with col4:
+            st.markdown(f":green[Net: {format_amount(div['net'])}]")
+        with col5:
+            status_map = {"paid": ("Paye", "success"), "approved": ("Approuve", "info"), "declared": ("Declare", "warning")}
+            label, style = status_map.get(div["status"], ("?", "info"))
+            if style == "success":
+                st.success(label)
+            elif style == "warning":
+                st.warning(label)
+            else:
+                st.info(label)
+
+    total_div = sum(d["net"] for d in data["dividends"])
+    st.metric("Total Dividendes 2025", format_amount(total_div))
+
+
+def render_investissements_tab(data):
+    """Sovereign bonds portfolio management"""
+    st.markdown("### Portefeuille Obligataire Souverain")
+
+    bonds = data.get("sovereign_bonds", [])
+    available = data.get("available_bonds", [])
+
+    # Separate high-yield emerging bonds from core bonds
+    emerging_countries = ["UA", "PL", "RO"]  # Ukraine, Poland, Romania
+    emerging_bonds = [b for b in bonds if b["country"] in emerging_countries]
+    core_bonds = [b for b in bonds if b["country"] not in emerging_countries]
+
+    # Calculate portfolio value
+    total_nominal = sum(b["nominal"] for b in bonds) if bonds else Decimal("0")
+    total_market_value = sum(b["nominal"] * b["current_price"] / 100 for b in bonds) if bonds else Decimal("0")
+    total_cost = sum(b["nominal"] * b["purchase_price"] / 100 for b in bonds) if bonds else Decimal("0")
+    pnl = total_market_value - total_cost
+    annual_coupons = sum(b["nominal"] * b["coupon"] / 100 for b in bonds) if bonds else Decimal("0")
+
+    # Emerging bonds specific
+    emerging_nominal = sum(b["nominal"] for b in emerging_bonds) if emerging_bonds else Decimal("0")
+    emerging_coupons = sum(b["nominal"] * b["coupon"] / 100 for b in emerging_bonds) if emerging_bonds else Decimal("0")
+    emerging_pnl = sum(b["nominal"] * (b["current_price"] - b["purchase_price"]) / 100 for b in emerging_bonds) if emerging_bonds else Decimal("0")
+
+    # Portfolio KPIs
+    col1, col2, col3, col4 = st.columns(4)
+    with col1:
+        st.metric("Valeur Nominale", format_amount(total_nominal))
+    with col2:
+        st.metric("Valeur de Marche", format_amount(total_market_value))
+    with col3:
+        pnl_delta = f"{'+' if pnl >= 0 else ''}{float(pnl/total_cost)*100:.2f}%" if total_cost > 0 else "0%"
+        st.metric("P&L Latent", format_amount(pnl), pnl_delta)
+    with col4:
+        st.metric("Coupons Annuels", format_amount(annual_coupons))
+
+    st.divider()
+
+    # ==================== SECTION EMERGENTS ====================
+    if emerging_bonds:
+        st.markdown("### Obligations Emergentes (Haut Rendement)")
+        st.markdown("""
+        <div style="background: linear-gradient(135deg, #4a1a1a, #1a1a2e); border: 1px solid #ff6b6b; border-radius: 12px; padding: 15px; margin-bottom: 20px;">
+            <div style="color: #ff6b6b; font-size: 12px; text-transform: uppercase;">Ukraine (War Bonds), Pologne, Roumanie</div>
+        </div>
+        """, unsafe_allow_html=True)
+
+        col1, col2, col3, col4 = st.columns(4)
+        with col1:
+            emerging_pct = float(emerging_nominal / total_nominal * 100) if total_nominal > 0 else 0
+            st.metric("Exposition Emergents", format_amount(emerging_nominal), f"{emerging_pct:.1f}% du portefeuille")
+        with col2:
+            st.metric("Coupons Emergents", format_amount(emerging_coupons), "annuels")
+        with col3:
+            emerging_pnl_pct = f"{'+' if emerging_pnl >= 0 else ''}{float(emerging_pnl / (emerging_nominal * Decimal('0.5')) * 100):.1f}%" if emerging_nominal > 0 else "0%"
+            st.metric("P&L Emergents", format_amount(emerging_pnl), emerging_pnl_pct)
+        with col4:
+            avg_yield = sum(b["coupon"] for b in emerging_bonds) / len(emerging_bonds) if emerging_bonds else Decimal("0")
+            st.metric("Rendement Moyen", f"{avg_yield:.2f}%", "brut")
+
+        # Emerging bonds details
+        for bond in emerging_bonds:
+            market_val = bond["nominal"] * bond["current_price"] / 100
+            cost_val = bond["nominal"] * bond["purchase_price"] / 100
+            bond_pnl = market_val - cost_val
+            pnl_pct = float(bond_pnl / cost_val * 100) if cost_val > 0 else 0
+
+            # Risk color and label based on country
+            if bond["country"] == "UA":
+                risk_color = "#ff6b6b"
+                risk_label = "WAR BOND"
+            elif bond["country"] == "RO":
+                risk_color = "#ffd93d"
+                risk_label = "HIGH YIELD"
+            else:
+                risk_color = "#00d4ff"
+                risk_label = "INVESTMENT GRADE"
+
+            st.markdown(f"""
+            <div style="background: #1e1e2f; border-left: 4px solid {risk_color}; padding: 12px; border-radius: 0 8px 8px 0; margin-bottom: 8px;">
+                <div style="display: flex; justify-content: space-between; align-items: center;">
+                    <div>
+                        <span style="color: white; font-weight: bold;">{bond['country']} | {bond['name']}</span>
+                        <span style="background: {risk_color}; color: black; font-size: 10px; padding: 2px 6px; border-radius: 4px; margin-left: 10px;">{risk_label}</span>
+                    </div>
+                    <div style="text-align: right;">
+                        <div style="color: #00d4ff;">{format_amount(bond['nominal'])} nominal</div>
+                        <div style="color: {'#00ff88' if bond_pnl >= 0 else '#ff6b6b'};">P&L: {format_amount(bond_pnl)} ({pnl_pct:+.1f}%)</div>
+                    </div>
+                </div>
+                <div style="color: #888; font-size: 12px; margin-top: 8px;">
+                    Coupon: {bond['coupon']}% | Prix achat: {bond['purchase_price']}% | Prix actuel: {bond['current_price']}% | Echeance: {bond['maturity'].strftime('%d/%m/%Y')}
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+
+        st.divider()
+
+    # ==================== ALIMENTATION COMPTE TITRES (en premier) ====================
+    st.markdown("### Alimentation Compte Titres")
+    st.caption(f"Solde compte principal: {format_amount(data['accounts']['principal']['balance'])} | Solde compte titres: {format_amount(data['accounts']['titres']['balance'])}")
+
+    col1, col2, col3 = st.columns([2, 1, 1])
+    with col1:
+        transfer_amount = st.number_input(
+            "Montant a transferer (EUR)",
+            min_value=100000.0,
+            max_value=float(data["accounts"]["principal"]["balance"]),
+            step=100000.0,
+            value=1000000.0,
+            key="fund_titres"
+        )
+    with col2:
+        if st.button("Alimenter Compte Titres", type="primary", key="btn_fund"):
+            amount = Decimal(str(transfer_amount))
+            data["accounts"]["principal"]["balance"] -= amount
+            data["accounts"]["titres"]["balance"] += amount
+            data.get("transactions", []).append({
+                "date": datetime.now(),
+                "type": "internal_transfer",
+                "from": "principal",
+                "to": "titres",
+                "amount": amount,
+                "motif": "Alimentation compte titres",
+            })
+            st.success(f"Transfert de {format_amount(amount)} effectue")
+            st.rerun()
+    with col3:
+        if st.button("Retirer vers Principal", key="btn_withdraw"):
+            if data["accounts"]["titres"]["balance"] >= Decimal(str(transfer_amount)):
+                amount = Decimal(str(transfer_amount))
+                data["accounts"]["titres"]["balance"] -= amount
+                data["accounts"]["principal"]["balance"] += amount
+                st.success(f"Retrait de {format_amount(amount)} effectue")
+                st.rerun()
+            else:
+                st.error("Solde insuffisant")
+
+    st.divider()
+
+    # ==================== FORMULAIRE D'ACHAT ====================
+    st.markdown("### Acheter des Obligations")
+
+    # Filter by region
+    region = st.radio("Region", ["Toutes", "Zone Euro", "Hors Zone Euro"], horizontal=True, key="region_filter")
+
+    eurozone = ["FR", "DE", "IT", "ES", "NL", "BE", "AT", "PT", "IE", "FI"]
+    filtered = available
+    if region == "Zone Euro":
+        filtered = [b for b in available if b["country"] in eurozone]
+    elif region == "Hors Zone Euro":
+        filtered = [b for b in available if b["country"] not in eurozone]
+
+    # Bond selection
+    bond_options = {f"{b['country']} - {b['name']} (Rdt: {b['yield']}%)": b['isin'] for b in filtered}
+
+    if bond_options:
+        selected_label = st.selectbox("Selectionnez une obligation", list(bond_options.keys()), key="select_bond")
+        selected_isin = bond_options[selected_label]
+        selected_bond = next((b for b in filtered if b["isin"] == selected_isin), None)
+
+        if selected_bond:
+            col1, col2, col3 = st.columns(3)
+            with col1:
+                st.info(f"**{selected_bond['name']}**\nISIN: {selected_bond['isin']}")
+            with col2:
+                st.info(f"**Coupon:** {selected_bond['coupon']}%\n**Echeance:** {selected_bond['maturity'].strftime('%d/%m/%Y')}")
+            with col3:
+                st.info(f"**Prix:** {selected_bond['current_price']}%\n**Rendement:** {selected_bond['yield']}%")
+
+            col1, col2 = st.columns(2)
+            with col1:
+                buy_nominal = st.number_input(
+                    "Nominal a acheter (EUR)",
+                    min_value=100000.0,
+                    max_value=10000000.0,
+                    step=100000.0,
+                    value=1000000.0,
+                    key="buy_nominal_input"
+                )
+                buy_cost = Decimal(str(buy_nominal)) * selected_bond["current_price"] / 100
+                st.caption(f"Cout total: **{format_amount(buy_cost)}**")
+
+            with col2:
+                cash_available = data["accounts"]["titres"]["balance"]
+                st.caption(f"Cash disponible: {format_amount(cash_available)}")
+
+                if st.button("Acheter", type="primary", key="btn_buy_bond", disabled=buy_cost > cash_available):
+                    if buy_cost > cash_available:
+                        st.error("Fonds insuffisants! Alimentez d'abord le compte titres.")
+                    else:
+                        new_bond = {
+                            "isin": selected_bond["isin"],
+                            "name": selected_bond["name"],
+                            "country": selected_bond["country"],
+                            "country_name": selected_bond["country_name"],
+                            "coupon": selected_bond["coupon"],
+                            "maturity": selected_bond["maturity"],
+                            "nominal": Decimal(str(buy_nominal)),
+                            "purchase_price": selected_bond["current_price"],
+                            "current_price": selected_bond["current_price"],
+                            "purchase_date": date.today(),
+                            "quantity": int(buy_nominal / 100000),
+                        }
+                        data["sovereign_bonds"].append(new_bond)
+                        data["accounts"]["titres"]["balance"] -= buy_cost
+                        if "bond_transactions" not in data:
+                            data["bond_transactions"] = []
+                        data["bond_transactions"].append({
+                            "date": datetime.now(),
+                            "type": "buy",
+                            "isin": selected_bond["isin"],
+                            "name": selected_bond["name"],
+                            "nominal": Decimal(str(buy_nominal)),
+                            "price": selected_bond["current_price"],
+                            "amount": buy_cost,
+                        })
+                        st.success(f"Achat de {format_amount(Decimal(str(buy_nominal)))} nominal execute!")
+                        st.rerun()
+
+                if buy_cost > cash_available:
+                    st.warning(f"Il manque {format_amount(buy_cost - cash_available)} sur le compte titres")
+
+    st.divider()
+
+    # ==================== PORTEFEUILLE ACTUEL ====================
+    st.markdown("### Repartition Geographique")
+
+    if bonds:
+        countries = {}
+        for bond in bonds:
+            country = bond["country_name"]
+            if country not in countries:
+                countries[country] = Decimal("0")
+            countries[country] += bond["nominal"]
+
+        for country, nominal in sorted(countries.items(), key=lambda x: x[1], reverse=True):
+            pct = float(nominal / total_nominal * 100) if total_nominal > 0 else 0
+            col1, col2 = st.columns([1, 3])
+            with col1:
+                flag_map = {"France": "FR", "Allemagne": "DE", "Italie": "IT", "Espagne": "ES", "Etats-Unis": "US", "Royaume-Uni": "GB", "Japon": "JP", "Suisse": "CH", "Pays-Bas": "NL", "Belgique": "BE"}
+                flag = flag_map.get(country, "EU")
+                st.markdown(f"**{flag} {country}**")
+                st.caption(format_amount(nominal))
+            with col2:
+                st.progress(pct / 100)
+                st.caption(f"{pct:.1f}%")
+    else:
+        st.info("Aucune obligation en portefeuille")
+
+    st.divider()
+
+    # ==================== POSITIONS ACTUELLES ====================
+    st.markdown("### Positions Actuelles")
+
+    if bonds:
+        for idx, bond in enumerate(bonds):
+            market_val = bond["nominal"] * bond["current_price"] / 100
+            cost_val = bond["nominal"] * bond["purchase_price"] / 100
+            bond_pnl = market_val - cost_val
+            pnl_pct = float(bond_pnl / cost_val * 100) if cost_val > 0 else 0
+
+            with st.expander(f"{bond['country']} | {bond['name']} | {format_amount(bond['nominal'])} nominal", expanded=False):
+                col1, col2, col3, col4 = st.columns(4)
+                with col1:
+                    st.markdown(f"**ISIN:** {bond['isin']}")
+                    st.markdown(f"**Nominal:** {format_amount(bond['nominal'])}")
+                with col2:
+                    st.markdown(f"**Coupon:** {bond['coupon']}%")
+                    st.markdown(f"**Echeance:** {bond['maturity'].strftime('%d/%m/%Y')}")
+                with col3:
+                    st.markdown(f"**Prix achat:** {bond['purchase_price']}%")
+                    st.markdown(f"**Prix actuel:** {bond['current_price']}%")
+                with col4:
+                    pnl_color = "green" if bond_pnl >= 0 else "red"
+                    st.markdown(f"**Valeur marche:** {format_amount(market_val)}")
+                    st.markdown(f"**P&L:** :{pnl_color}[{format_amount(bond_pnl)} ({pnl_pct:+.2f}%)]")
+
+                # Vente
+                st.markdown("---")
+                col1, col2, col3 = st.columns([2, 1, 1])
+                with col1:
+                    sell_pct = st.slider(f"% a vendre", 10, 100, 100, 10, key=f"sell_pct_{idx}")
+                    sell_nominal = bond["nominal"] * sell_pct / 100
+                    sell_value = sell_nominal * bond["current_price"] / 100
+                    st.caption(f"Vente: {format_amount(sell_nominal)} nominal = {format_amount(sell_value)}")
+                with col2:
+                    if st.button("Vendre", key=f"sell_btn_{idx}", type="secondary"):
+                        if sell_pct == 100:
+                            data["sovereign_bonds"].remove(bond)
+                        else:
+                            bond["nominal"] -= sell_nominal
+                        data["accounts"]["titres"]["balance"] += sell_value
+                        if "bond_transactions" not in data:
+                            data["bond_transactions"] = []
+                        data["bond_transactions"].append({
+                            "date": datetime.now(),
+                            "type": "sell",
+                            "isin": bond["isin"],
+                            "name": bond["name"],
+                            "nominal": sell_nominal,
+                            "price": bond["current_price"],
+                            "amount": sell_value,
+                        })
+                        st.success(f"Vente executee: {format_amount(sell_value)}")
+                        st.rerun()
+                with col3:
+                    txs = [t for t in data.get("bond_transactions", []) if t.get("isin") == bond["isin"]]
+                    if txs:
+                        st.caption(f"{len(txs)} transaction(s)")
+    else:
+        st.info("Aucune position. Achetez des obligations ci-dessus.")
+
+
+def render_assurances_tab(data):
+    """Group insurance management"""
+    st.markdown("### Assurances Groupe")
+
+    insurances = data.get("insurances", [])
+    claims = data.get("claims", [])
+
+    # Calculate totals
+    total_coverage = sum(ins["coverage"] for ins in insurances) if insurances else Decimal("0")
+    total_premiums = sum(ins["premium"] for ins in insurances) if insurances else Decimal("0")
+    active_policies = len([ins for ins in insurances if ins["status"] == "active"])
+
+    # KPIs
+    col1, col2, col3, col4 = st.columns(4)
+    with col1:
+        st.metric("Couverture Totale", format_amount(total_coverage))
+    with col2:
+        st.metric("Primes Annuelles", format_amount(total_premiums))
+    with col3:
+        st.metric("Polices Actives", str(active_policies))
+    with col4:
+        pending_claims = len([c for c in claims if c["status"] == "pending"])
+        st.metric("Sinistres en cours", str(pending_claims))
+
+    st.divider()
+
+    # Insurance by type
+    st.markdown("### Polices d'Assurance")
+
+    type_labels = {
+        "D&O": ("RC Dirigeants", "#7b2cbf"),
+        "RC_PRO": ("RC Professionnelle", "#00d4ff"),
+        "CYBER": ("Cyber", "#ff6b6b"),
+        "PROPERTY": ("Immobilier", "#00ff88"),
+        "KEY_MAN": ("Homme-Cle", "#ffd93d"),
+        "CDS": ("Credit Default Swap", "#ff6b6b"),
+    }
+
+    for ins in insurances:
+        type_info = type_labels.get(ins["type"], (ins["type"], "#888"))
+        type_label, type_color = type_info
+
+        # Check if expiring soon (within 90 days)
+        days_to_expiry = (ins["end_date"] - date.today()).days
+        expiry_warning = days_to_expiry <= 90
+
+        st.markdown(f"""
+        <div style="background: #1e1e2f; border-left: 4px solid {type_color}; padding: 15px; border-radius: 0 8px 8px 0; margin-bottom: 12px;">
+            <div style="display: flex; justify-content: space-between; align-items: start;">
+                <div>
+                    <span style="background: {type_color}; color: black; font-size: 10px; padding: 2px 8px; border-radius: 4px;">{type_label}</span>
+                    <div style="color: white; font-weight: bold; font-size: 16px; margin-top: 8px;">{ins['name']}</div>
+                    <div style="color: #888; font-size: 12px; margin-top: 4px;">Assureur: {ins['insurer']} | Police: {ins['policy_number']}</div>
+                </div>
+                <div style="text-align: right;">
+                    <div style="color: #00d4ff; font-size: 18px; font-weight: bold;">{format_amount(ins['coverage'])}</div>
+                    <div style="color: #888; font-size: 12px;">couverture</div>
+                    <div style="color: {'#ff6b6b' if expiry_warning else '#00ff88'}; font-size: 12px; margin-top: 4px;">
+                        {'Expire dans ' + str(days_to_expiry) + 'j' if expiry_warning else 'Valide'}
+                    </div>
+                </div>
+            </div>
+            <div style="display: flex; gap: 30px; margin-top: 12px; color: #aaa; font-size: 13px;">
+                <div><span style="color: #888;">Prime:</span> {format_amount(ins['premium'])}/an</div>
+                <div><span style="color: #888;">Debut:</span> {ins['start_date'].strftime('%d/%m/%Y')}</div>
+                <div><span style="color: #888;">Fin:</span> {ins['end_date'].strftime('%d/%m/%Y')}</div>
+            </div>
+        </div>
+        """, unsafe_allow_html=True)
+
+    st.divider()
+
+    # CDS Section (special for sovereign risk)
+    cds_policies = [ins for ins in insurances if ins["type"] == "CDS"]
+    if cds_policies:
+        st.markdown("### Couverture Risque Souverain (CDS)")
+        st.markdown("""
+        <div style="background: linear-gradient(135deg, #4a1a1a, #1a1a2e); border: 1px solid #ff6b6b; border-radius: 12px; padding: 15px; margin-bottom: 20px;">
+            <div style="color: #ff6b6b; font-size: 12px; text-transform: uppercase;">Credit Default Swaps - Protection contre defaut souverain</div>
+        </div>
+        """, unsafe_allow_html=True)
+
+        for cds in cds_policies:
+            spread = cds.get("spread_bps", 0)
+            st.markdown(f"""
+            <div style="background: #1e1e2f; padding: 15px; border-radius: 8px; margin-bottom: 10px;">
+                <div style="display: flex; justify-content: space-between;">
+                    <div>
+                        <div style="color: white; font-weight: bold;">{cds['name']}</div>
+                        <div style="color: #888; font-size: 12px;">Contrepartie: {cds['insurer']}</div>
+                    </div>
+                    <div style="text-align: right;">
+                        <div style="color: #ff6b6b; font-size: 18px; font-weight: bold;">{spread} bps</div>
+                        <div style="color: #888; font-size: 12px;">spread annuel</div>
+                    </div>
+                </div>
+                <div style="margin-top: 10px; display: flex; gap: 20px; color: #aaa; font-size: 13px;">
+                    <div>Notionnel: {format_amount(cds['coverage'])}</div>
+                    <div>Prime annuelle: {format_amount(cds['premium'])}</div>
+                    <div>Maturite: {cds['end_date'].strftime('%d/%m/%Y')}</div>
+                </div>
+            </div>
+            """, unsafe_allow_html=True)
+
+        st.divider()
+
+    # Claims section
+    st.markdown("### Historique des Sinistres")
+
+    if claims:
+        for claim in claims:
+            # Find insurance
+            ins = next((i for i in insurances if i["id"] == claim["insurance_id"]), None)
+            ins_name = ins["name"] if ins else "N/A"
+
+            status_colors = {"paid": "#00ff88", "pending": "#ffd93d", "rejected": "#ff6b6b"}
+            status_labels = {"paid": "Rembourse", "pending": "En cours", "rejected": "Rejete"}
+
+            col1, col2, col3, col4, col5 = st.columns([2, 2, 2, 2, 1])
+            with col1:
+                st.markdown(f"**{claim['type']}**")
+                st.caption(f"{claim['date'].strftime('%d/%m/%Y')}")
+            with col2:
+                st.caption(ins_name)
+            with col3:
+                st.markdown(f"Demande: {format_amount(claim['amount_claimed'])}")
+            with col4:
+                if claim["amount_paid"] > 0:
+                    st.markdown(f":green[Paye: {format_amount(claim['amount_paid'])}]")
+                else:
+                    st.caption("En attente")
+            with col5:
+                color = status_colors.get(claim["status"], "#888")
+                label = status_labels.get(claim["status"], claim["status"])
+                st.markdown(f"<span style='background: {color}; color: black; padding: 2px 8px; border-radius: 4px; font-size: 11px;'>{label}</span>", unsafe_allow_html=True)
+            st.divider()
+    else:
+        st.info("Aucun sinistre enregistre")
+
+    # Summary
+    st.markdown("### Synthese Annuelle")
+    col1, col2, col3 = st.columns(3)
+    with col1:
+        claims_paid = sum(c["amount_paid"] for c in claims if c["status"] == "paid")
+        st.metric("Sinistres Rembourses", format_amount(claims_paid))
+    with col2:
+        ratio = float(claims_paid / total_premiums * 100) if total_premiums > 0 else 0
+        st.metric("Ratio S/P", f"{ratio:.1f}%")
+    with col3:
+        st.metric("Cout Net Assurance", format_amount(total_premiums - claims_paid))
+
+
+def render_consolidation_tab(data):
+    """Consolidated financials"""
+    st.markdown("### Bilan Consolide")
+
+    total_assets = sum(s["assets"] for s in data["subsidiaries"])
+    treasury = data["accounts"]["principal"]["balance"] + data["accounts"]["tresorerie"]["balance"]
+
+    col1, col2, col3, col4 = st.columns(4)
+    with col1:
+        st.metric("Total Actifs", f"{(total_assets + treasury)/1000000000:.2f}B EUR", "+5.2%")
+    with col2:
+        st.metric("Fonds Propres", "420M EUR", "+3.1%")
+    with col3:
+        st.metric("PNB Groupe", "285M EUR", "+8.4%")
+    with col4:
+        st.metric("Resultat Net", "62M EUR", "+12.3%")
+
+    st.divider()
+
+    st.markdown("### Repartition par Activite")
+
+    activities = [
+        {"name": "Banque de detail", "revenue": 180, "percent": 63},
+        {"name": "Gestion d'actifs", "revenue": 52, "percent": 18},
+        {"name": "Assurance", "revenue": 38, "percent": 13},
+        {"name": "Autres", "revenue": 15, "percent": 6},
+    ]
+
+    for act in activities:
+        col1, col2 = st.columns([1, 3])
+        with col1:
+            st.markdown(f"**{act['name']}**")
+            st.caption(f"{act['revenue']}M EUR")
+        with col2:
+            st.progress(act['percent'] / 100)
+
+    st.divider()
+
+    st.markdown("### Contribution des Filiales")
+
+    for sub in data["subsidiaries"]:
+        contribution = float(sub["assets"] / total_assets) * 100
+        st.markdown(f"**{sub['name']}** - {contribution:.1f}%")
+        st.progress(contribution / 100)
+
+
+def render_risques_tab(data):
+    """Risk management"""
+    st.markdown("### Ratios Reglementaires")
+
+    col1, col2, col3 = st.columns(3)
+    with col1:
+        st.metric("Ratio CET1", "14.2%", "+0.3%")
+        st.caption("Minimum requis: 10.5%")
+        st.progress(0.142 / 0.20)
+    with col2:
+        st.metric("Ratio LCR", "142%", "+5%")
+        st.caption("Minimum requis: 100%")
+        st.progress(1.42 / 2.0)
+    with col3:
+        st.metric("Ratio NSFR", "118%", "+2%")
+        st.caption("Minimum requis: 100%")
+        st.progress(1.18 / 2.0)
+
+    st.divider()
+
+    st.markdown("### Exposition par Type de Risque")
+
+    risks = [
+        {"type": "Risque de credit", "exposure": "2.1B EUR", "provision": "45M EUR", "level": "medium"},
+        {"type": "Risque de marche", "exposure": "320M EUR", "provision": "8M EUR", "level": "low"},
+        {"type": "Risque operationnel", "exposure": "-", "provision": "12M EUR", "level": "low"},
+        {"type": "Risque de liquidite", "exposure": "450M EUR", "provision": "-", "level": "low"},
+    ]
+
+    for risk in risks:
+        col1, col2, col3, col4 = st.columns([2, 2, 2, 1])
+        with col1:
+            st.markdown(f"**{risk['type']}**")
+        with col2:
+            st.caption(f"Exposition: {risk['exposure']}")
+        with col3:
+            st.caption(f"Provision: {risk['provision']}")
+        with col4:
+            if risk['level'] == 'high':
+                st.error("Eleve")
+            elif risk['level'] == 'medium':
+                st.warning("Moyen")
+            else:
+                st.success("Faible")
+
+    st.divider()
+
+    st.markdown("### Concentration")
+
+    pool_total = sum(abs(s["pool_balance"]) for s in data["subsidiaries"])
+    for sub in data["subsidiaries"]:
+        concentration = float(abs(sub["pool_balance"]) / pool_total * 100) if pool_total > 0 else 0.0
+        st.markdown(f"{sub['name']}: {concentration:.1f}%")
+        st.progress(concentration / 100)
+
+
+def render_gouvernance_tab(data):
+    """Governance"""
+    st.markdown("### Conseil d'Administration")
+
+    board = [
+        {"name": "Laurent Dubois", "role": "President-Directeur General", "since": "2018"},
+        {"name": "Marie-Claire Fontaine", "role": "Directrice Generale Deleguee", "since": "2019"},
+        {"name": "Philippe Martin", "role": "Directeur Financier", "since": "2020"},
+        {"name": "Isabelle Leroy", "role": "Directrice des Risques", "since": "2021"},
+        {"name": "Jean-Pierre Moreau", "role": "Administrateur Independant", "since": "2017"},
+    ]
+
+    for member in board:
+        col1, col2, col3 = st.columns([2, 2, 1])
+        with col1:
+            st.markdown(f"**{member['name']}**")
+        with col2:
+            st.caption(member['role'])
+        with col3:
+            st.caption(f"Depuis {member['since']}")
+
+    st.divider()
+
+    st.markdown("### Comites")
+
+    committees = [
+        {"name": "Comite d'Audit", "members": 4, "meetings": 12},
+        {"name": "Comite des Risques", "members": 3, "meetings": 24},
+        {"name": "Comite des Remunerations", "members": 3, "meetings": 4},
+        {"name": "Comite de Nomination", "members": 2, "meetings": 2},
+    ]
+
+    for committee in committees:
+        col1, col2, col3 = st.columns([2, 1, 1])
+        with col1:
+            st.markdown(f"**{committee['name']}**")
+        with col2:
+            st.caption(f"{committee['members']} membres")
+        with col3:
+            st.caption(f"{committee['meetings']} reunions/an")
+
+    st.divider()
+
+    st.markdown("### Documents Reglementaires")
+
+    col1, col2 = st.columns(2)
+    with col1:
+        st.download_button("Rapport Annuel 2025", "Contenu du rapport annuel...", "rapport_annuel_2025.pdf", mime="application/pdf")
+        st.download_button("Rapport Pilier 3", "Contenu du rapport Pilier 3...", "pilier3_2025.pdf", mime="application/pdf")
+    with col2:
+        st.download_button("Rapport RSE", "Contenu du rapport RSE...", "rse_2025.pdf", mime="application/pdf")
+        st.download_button("Charte Ethique", "Contenu de la charte...", "charte_ethique.pdf", mime="application/pdf")