nanopy-bank 1.0.8__py3-none-any.whl

nanopy_bank/data/demo.py

@@ -0,0 +1,846 @@
+"""
+Demo/Test Data for NanoPy Bank
+
+This file contains all fake data for testing and demonstration purposes.
+Nothing is hardcoded in the main model files.
+"""
+
+from datetime import datetime, date, timedelta
+from decimal import Decimal
+import random
+
+# Import models
+from ..core.models import (
+    Customer, Account, Transaction, Card,
+    AccountType, AccountStatus, Currency,
+    TransactionType,
+    CardType, CardStatus
+)
+from ..core.beneficiary import (
+    Beneficiary, StandingOrder, SEPAMandate,
+    OrderFrequency, OrderStatus, MandateType, MandateStatus
+)
+from ..core.products import (
+    Loan, Insurance, SavingsProduct,
+    LoanType, LoanStatus, InsuranceType, SavingsType
+)
+from ..core.fees import Fee, InterestRate, FeeType, RateType
+from ..core.branch import Branch, Employee, ATM, BranchType, EmployeeRole
+
+
+# =============================================================================
+# DEMO CUSTOMERS
+# =============================================================================
+
+DEMO_CUSTOMERS = [
+    {
+        "customer_id": "CUST001",
+        "first_name": "Jean",
+        "last_name": "Dupont",
+        "email": "jean.dupont@email.fr",
+        "phone": "+33612345678",
+        "address": "15 Rue de la Paix",
+        "city": "Paris",
+        "postal_code": "75001",
+        "country": "FR",
+        "birth_date": date(1985, 3, 15),
+        "nationality": "FR",
+        "occupation": "Ingenieur",
+        "income_range": "50000-75000",
+    },
+    {
+        "customer_id": "CUST002",
+        "first_name": "Marie",
+        "last_name": "Martin",
+        "email": "marie.martin@email.fr",
+        "phone": "+33623456789",
+        "address": "42 Avenue des Champs",
+        "city": "Lyon",
+        "postal_code": "69001",
+        "country": "FR",
+        "birth_date": date(1990, 7, 22),
+        "nationality": "FR",
+        "occupation": "Medecin",
+        "income_range": "75000-100000",
+    },
+    {
+        "customer_id": "CUST003",
+        "first_name": "Pierre",
+        "last_name": "Bernard",
+        "email": "pierre.bernard@email.fr",
+        "phone": "+33634567890",
+        "address": "8 Boulevard Victor Hugo",
+        "city": "Marseille",
+        "postal_code": "13001",
+        "country": "FR",
+        "birth_date": date(1978, 11, 8),
+        "nationality": "FR",
+        "occupation": "Commercant",
+        "income_range": "35000-50000",
+    },
+    {
+        "customer_id": "CUST004",
+        "first_name": "Sophie",
+        "last_name": "Petit",
+        "email": "sophie.petit@email.fr",
+        "phone": "+33645678901",
+        "address": "25 Rue du Commerce",
+        "city": "Bordeaux",
+        "postal_code": "33000",
+        "country": "FR",
+        "birth_date": date(1995, 1, 30),
+        "nationality": "FR",
+        "occupation": "Etudiante",
+        "income_range": "0-15000",
+    },
+]
+
+
+# =============================================================================
+# DEMO ACCOUNTS
+# =============================================================================
+
+DEMO_ACCOUNTS = [
+    # Jean Dupont - Compte courant
+    {
+        "iban": "FR7630001007941234567890185",
+        "bic": "NANPFRPP",
+        "customer_id": "CUST001",
+        "account_type": AccountType.CHECKING,
+        "account_name": "Compte Courant",
+        "currency": Currency.EUR,
+        "balance": Decimal("3542.87"),
+        "overdraft_limit": Decimal("500.00"),
+    },
+    # Jean Dupont - Livret A
+    {
+        "iban": "FR7630001007941234567890186",
+        "bic": "NANPFRPP",
+        "customer_id": "CUST001",
+        "account_type": AccountType.SAVINGS,
+        "account_name": "Livret A",
+        "currency": Currency.EUR,
+        "balance": Decimal("15000.00"),
+    },
+    # Marie Martin - Compte courant
+    {
+        "iban": "FR7630001007942345678901234",
+        "bic": "NANPFRPP",
+        "customer_id": "CUST002",
+        "account_type": AccountType.CHECKING,
+        "account_name": "Compte Courant",
+        "currency": Currency.EUR,
+        "balance": Decimal("8234.56"),
+        "overdraft_limit": Decimal("1000.00"),
+    },
+    # Pierre Bernard - Compte courant
+    {
+        "iban": "FR7630001007943456789012345",
+        "bic": "NANPFRPP",
+        "customer_id": "CUST003",
+        "account_type": AccountType.CHECKING,
+        "account_name": "Compte Pro",
+        "currency": Currency.EUR,
+        "balance": Decimal("12456.00"),
+        "overdraft_limit": Decimal("2000.00"),
+    },
+    # Sophie Petit - Compte courant
+    {
+        "iban": "FR7630001007944567890123456",
+        "bic": "NANPFRPP",
+        "customer_id": "CUST004",
+        "account_type": AccountType.CHECKING,
+        "account_name": "Compte Courant",
+        "currency": Currency.EUR,
+        "balance": Decimal("456.23"),
+        "overdraft_limit": Decimal("200.00"),
+    },
+]
+
+
+# =============================================================================
+# DEMO TRANSACTIONS
+# =============================================================================
+
+def generate_demo_transactions():
+    """Generate realistic demo transactions"""
+    transactions = []
+    base_date = datetime.now() - timedelta(days=90)
+
+    # Transaction templates
+    templates = [
+        # Credits
+        {"label": "VIREMENT SALAIRE", "amount": Decimal("2850.00"), "type": TransactionType.CREDIT_TRANSFER, "is_salary": True},
+        {"label": "REMBOURSEMENT SECU", "amount": Decimal("45.60"), "type": TransactionType.CREDIT_TRANSFER},
+        {"label": "VIREMENT DE M. DUPONT", "amount": Decimal("150.00"), "type": TransactionType.CREDIT_TRANSFER},
+
+        # Debits
+        {"label": "LOYER JANVIER", "amount": Decimal("850.00"), "type": TransactionType.DIRECT_DEBIT},
+        {"label": "EDF ELECTRICITE", "amount": Decimal("78.45"), "type": TransactionType.DIRECT_DEBIT},
+        {"label": "ORANGE MOBILE", "amount": Decimal("29.99"), "type": TransactionType.DIRECT_DEBIT},
+        {"label": "CARREFOUR PARIS", "amount": Decimal("156.78"), "type": TransactionType.CARD_PAYMENT},
+        {"label": "AMAZON EU", "amount": Decimal("45.99"), "type": TransactionType.CARD_PAYMENT},
+        {"label": "SNCF CONNECT", "amount": Decimal("89.00"), "type": TransactionType.CARD_PAYMENT},
+        {"label": "RETRAIT DAB 75001", "amount": Decimal("60.00"), "type": TransactionType.ATM_WITHDRAWAL},
+        {"label": "BOULANGERIE PAUL", "amount": Decimal("8.50"), "type": TransactionType.CARD_PAYMENT},
+        {"label": "UBER EATS", "amount": Decimal("22.40"), "type": TransactionType.CARD_PAYMENT},
+    ]
+
+    # Generate transactions for each account
+    for account in DEMO_ACCOUNTS:
+        if account["account_type"] != AccountType.CHECKING:
+            continue
+
+        iban = account["iban"]
+        current_date = base_date
+
+        for i in range(30):
+            # Pick random templates
+            num_tx = random.randint(1, 4)
+            for _ in range(num_tx):
+                template = random.choice(templates)
+
+                is_credit = template["type"] == TransactionType.CREDIT_TRANSFER
+
+                tx = {
+                    "account_iban": iban,
+                    "transaction_type": template["type"],
+                    "amount": template["amount"] + Decimal(str(random.randint(-10, 10))),
+                    "currency": "EUR",
+                    "label": template["label"],
+                    "description": f"Transaction du {current_date.strftime('%d/%m/%Y')}",
+                    "created_at": current_date + timedelta(hours=random.randint(8, 20)),
+                    "is_credit": is_credit,
+                }
+
+                if not is_credit:
+                    tx["counterparty_name"] = template["label"].split()[0]
+
+                transactions.append(tx)
+
+            current_date += timedelta(days=random.randint(1, 5))
+            if current_date > datetime.now():
+                break
+
+    return transactions
+
+DEMO_TRANSACTIONS = generate_demo_transactions()
+
+
+# =============================================================================
+# DEMO CARDS
+# =============================================================================
+
+DEMO_CARDS = [
+    {
+        "card_number": "4970XXXXXXXX1234",
+        "customer_id": "CUST001",
+        "account_iban": "FR7630001007941234567890185",
+        "card_type": CardType.DEBIT,
+        "cardholder_name": "JEAN DUPONT",
+        "expiry_date": "12/27",
+        "daily_limit": Decimal("1000.00"),
+        "monthly_limit": Decimal("5000.00"),
+        "contactless_enabled": True,
+        "online_enabled": True,
+    },
+    {
+        "card_number": "4970XXXXXXXX2345",
+        "customer_id": "CUST002",
+        "account_iban": "FR7630001007942345678901234",
+        "card_type": CardType.CREDIT,
+        "cardholder_name": "MARIE MARTIN",
+        "expiry_date": "06/28",
+        "daily_limit": Decimal("2000.00"),
+        "monthly_limit": Decimal("10000.00"),
+        "contactless_enabled": True,
+        "online_enabled": True,
+    },
+    {
+        "card_number": "4970XXXXXXXX3456",
+        "customer_id": "CUST003",
+        "account_iban": "FR7630001007943456789012345",
+        "card_type": CardType.BUSINESS,
+        "cardholder_name": "PIERRE BERNARD",
+        "expiry_date": "09/26",
+        "daily_limit": Decimal("3000.00"),
+        "monthly_limit": Decimal("15000.00"),
+        "contactless_enabled": True,
+        "online_enabled": True,
+    },
+]
+
+
+# =============================================================================
+# DEMO BENEFICIARIES
+# =============================================================================
+
+DEMO_BENEFICIARIES = [
+    {
+        "customer_id": "CUST001",
+        "name": "Marie Dupont",
+        "iban": "FR7614410000011234567890123",
+        "bic": "AGRIFRPP",
+        "alias": "Maman",
+        "category": "family",
+        "is_favorite": True,
+    },
+    {
+        "customer_id": "CUST001",
+        "name": "SCI Les Lilas",
+        "iban": "FR7630004000031234567890143",
+        "bic": "BNPAFRPP",
+        "alias": "Proprietaire",
+        "category": "bills",
+        "is_favorite": True,
+    },
+    {
+        "customer_id": "CUST002",
+        "name": "Auto-Ecole Victor",
+        "iban": "FR7610278060000002038650128",
+        "bic": "CMCIFR2A",
+        "alias": "Permis",
+        "category": "services",
+    },
+]
+
+
+# =============================================================================
+# DEMO STANDING ORDERS
+# =============================================================================
+
+DEMO_STANDING_ORDERS = [
+    {
+        "from_iban": "FR7630001007941234567890185",
+        "customer_id": "CUST001",
+        "to_iban": "FR7630004000031234567890143",
+        "to_name": "SCI Les Lilas",
+        "amount": Decimal("850.00"),
+        "frequency": OrderFrequency.MONTHLY,
+        "execution_day": 5,
+        "label": "Loyer mensuel",
+        "category": "housing",
+    },
+    {
+        "from_iban": "FR7630001007941234567890185",
+        "customer_id": "CUST001",
+        "to_iban": "FR7630001007941234567890186",
+        "to_name": "Mon Livret A",
+        "amount": Decimal("200.00"),
+        "frequency": OrderFrequency.MONTHLY,
+        "execution_day": 1,
+        "label": "Epargne mensuelle",
+        "category": "savings",
+    },
+]
+
+
+# =============================================================================
+# DEMO FEES (French banking fees)
+# =============================================================================
+
+DEMO_FEES = [
+    Fee(
+        fee_type=FeeType.ACCOUNT_MAINTENANCE,
+        name="Frais de tenue de compte",
+        description="Frais mensuels de gestion du compte",
+        amount=Decimal("2.00"),
+        frequency="monthly"
+    ),
+    Fee(
+        fee_type=FeeType.CARD_ANNUAL,
+        name="Cotisation carte Visa",
+        description="Cotisation annuelle carte bancaire",
+        amount=Decimal("45.00"),
+        frequency="yearly"
+    ),
+    Fee(
+        fee_type=FeeType.TRANSFER_SEPA,
+        name="Virement SEPA",
+        description="Virement SEPA occasionnel",
+        amount=Decimal("0.00"),
+        frequency="per_transaction"
+    ),
+    Fee(
+        fee_type=FeeType.TRANSFER_INTERNATIONAL,
+        name="Virement international",
+        description="Virement hors zone SEPA",
+        amount=Decimal("15.00"),
+        frequency="per_transaction"
+    ),
+    Fee(
+        fee_type=FeeType.OVERDRAFT_FEE,
+        name="Commission d'intervention",
+        description="Par operation en decouvert non autorise",
+        amount=Decimal("8.00"),
+        frequency="per_transaction"
+    ),
+    Fee(
+        fee_type=FeeType.REJECTED_PAYMENT,
+        name="Rejet de prelevement",
+        description="Frais pour prelevement rejete",
+        amount=Decimal("20.00"),
+        frequency="per_transaction"
+    ),
+    Fee(
+        fee_type=FeeType.ATM_WITHDRAWAL_OTHER,
+        name="Retrait autre banque",
+        description="Au-dela de 3 retraits/mois",
+        amount=Decimal("1.00"),
+        frequency="per_transaction"
+    ),
+    Fee(
+        fee_type=FeeType.CURRENCY_CONVERSION,
+        name="Conversion de devise",
+        description="Commission sur operations en devise",
+        amount=Decimal("2.00"),
+        is_percentage=True,
+        frequency="per_transaction"
+    ),
+]
+
+
+# =============================================================================
+# DEMO INTEREST RATES (French rates 2024)
+# =============================================================================
+
+DEMO_RATES = [
+    InterestRate(
+        rate_type=RateType.SAVINGS,
+        name="Livret A",
+        rate=Decimal("3.00"),
+        product_types=["livret_a"]
+    ),
+    InterestRate(
+        rate_type=RateType.SAVINGS,
+        name="LDDS",
+        rate=Decimal("3.00"),
+        product_types=["ldds"]
+    ),
+    InterestRate(
+        rate_type=RateType.SAVINGS,
+        name="LEP",
+        rate=Decimal("5.00"),
+        product_types=["lep"]
+    ),
+    InterestRate(
+        rate_type=RateType.OVERDRAFT,
+        name="Taux decouvert autorise",
+        rate=Decimal("7.00"),
+        description="Taux annuel pour decouvert autorise"
+    ),
+    InterestRate(
+        rate_type=RateType.OVERDRAFT,
+        name="Taux decouvert non autorise",
+        rate=Decimal("16.00"),
+        description="Taux annuel pour decouvert non autorise"
+    ),
+    InterestRate(
+        rate_type=RateType.LOAN,
+        name="Pret personnel",
+        rate=Decimal("5.50"),
+        product_types=["personal"],
+        min_duration_months=12,
+        max_duration_months=84
+    ),
+    InterestRate(
+        rate_type=RateType.MORTGAGE,
+        name="Pret immobilier 20 ans",
+        rate=Decimal("3.80"),
+        product_types=["mortgage"],
+        min_duration_months=180,
+        max_duration_months=300
+    ),
+]
+
+
+# =============================================================================
+# DEMO BRANCHES
+# =============================================================================
+
+DEMO_BRANCHES = [
+    Branch(
+        branch_id="BR001",
+        branch_code="00794",
+        name="Agence Paris Opera",
+        branch_type=BranchType.BRANCH,
+        address="1 Place de l'Opera",
+        city="Paris",
+        postal_code="75009",
+        phone="+33 1 42 68 00 00",
+        email="paris.opera@nanopybank.fr",
+        has_atm=True,
+        has_safe_deposit=True,
+    ),
+    Branch(
+        branch_id="BR002",
+        branch_code="00795",
+        name="Agence Lyon Part-Dieu",
+        branch_type=BranchType.BRANCH,
+        address="17 Rue de la Part-Dieu",
+        city="Lyon",
+        postal_code="69003",
+        phone="+33 4 72 00 00 00",
+        email="lyon.partdieu@nanopybank.fr",
+        has_atm=True,
+    ),
+    Branch(
+        branch_id="BRHQ",
+        branch_code="00001",
+        name="Siege Social",
+        branch_type=BranchType.HEADQUARTERS,
+        address="1 Rue de la Banque",
+        city="Paris",
+        postal_code="75001",
+        phone="+33 1 23 45 67 89",
+        email="siege@nanopybank.fr",
+    ),
+]
+
+
+# =============================================================================
+# DEMO EMPLOYEES
+# =============================================================================
+
+DEMO_EMPLOYEES = [
+    Employee(
+        employee_id="EMP001",
+        employee_number="M001234",
+        first_name="Laurent",
+        last_name="Dubois",
+        email="laurent.dubois@nanopybank.fr",
+        role=EmployeeRole.DIRECTOR,
+        title="Directeur General",
+        branch_id="BRHQ",
+        can_approve_loans=True,
+        max_approval_amount=Decimal("1000000.00"),
+        can_view_all_customers=True,
+    ),
+    Employee(
+        employee_id="EMP002",
+        employee_number="M001235",
+        first_name="Camille",
+        last_name="Leroy",
+        email="camille.leroy@nanopybank.fr",
+        role=EmployeeRole.MANAGER,
+        title="Directrice d'Agence",
+        branch_id="BR001",
+        can_approve_loans=True,
+        max_approval_amount=Decimal("50000.00"),
+    ),
+    Employee(
+        employee_id="EMP003",
+        employee_number="M001236",
+        first_name="Thomas",
+        last_name="Moreau",
+        email="thomas.moreau@nanopybank.fr",
+        role=EmployeeRole.ADVISOR,
+        title="Conseiller Clientele",
+        branch_id="BR001",
+        manager_id="EMP002",
+    ),
+    Employee(
+        employee_id="EMP004",
+        employee_number="M001237",
+        first_name="Emma",
+        last_name="Simon",
+        email="emma.simon@nanopybank.fr",
+        role=EmployeeRole.TELLER,
+        title="Guichetiere",
+        branch_id="BR002",
+    ),
+]
+
+
+# =============================================================================
+# DEMO LOANS
+# =============================================================================
+
+DEMO_LOANS = [
+    Loan(
+        loan_id="LN0001",
+        customer_id="CUST001",
+        account_iban="FR7630001007941234567890185",
+        loan_type=LoanType.PERSONAL,
+        purpose="Travaux maison",
+        principal=Decimal("15000.00"),
+        interest_rate=Decimal("5.50"),
+        duration_months=48,
+        status=LoanStatus.ACTIVE,
+        has_insurance=True,
+        insurance_premium=Decimal("25.00"),
+    ),
+    Loan(
+        loan_id="LN0002",
+        customer_id="CUST002",
+        account_iban="FR7630001007942345678901234",
+        loan_type=LoanType.AUTO,
+        purpose="Achat vehicule",
+        principal=Decimal("25000.00"),
+        interest_rate=Decimal("4.90"),
+        duration_months=60,
+        status=LoanStatus.ACTIVE,
+    ),
+]
+
+
+# =============================================================================
+# DEMO INSURANCE
+# =============================================================================
+
+DEMO_INSURANCE = [
+    Insurance(
+        customer_id="CUST001",
+        insurance_type=InsuranceType.HOME,
+        product_name="Assurance Habitation Complete",
+        coverage_amount=Decimal("200000.00"),
+        deductible=Decimal("150.00"),
+        premium_amount=Decimal("35.00"),
+        premium_frequency="monthly",
+        account_iban="FR7630001007941234567890185",
+    ),
+    Insurance(
+        customer_id="CUST002",
+        insurance_type=InsuranceType.AUTO,
+        product_name="Assurance Auto Tous Risques",
+        coverage_amount=Decimal("50000.00"),
+        deductible=Decimal("300.00"),
+        premium_amount=Decimal("85.00"),
+        premium_frequency="monthly",
+        account_iban="FR7630001007942345678901234",
+    ),
+]
+
+
+# =============================================================================
+# DEMO SAVINGS PRODUCTS
+# =============================================================================
+
+DEMO_SAVINGS = [
+    SavingsProduct(
+        customer_id="CUST001",
+        account_iban="FR7630001007941234567890186",
+        savings_type=SavingsType.LIVRET_A,
+        product_name="Livret A",
+        interest_rate=Decimal("3.00"),
+        max_balance=Decimal("22950.00"),
+        is_tax_exempt=True,
+    ),
+]
+
+
+# =============================================================================
+# HELPER FUNCTION TO CREATE DEMO BANK
+# =============================================================================
+
+# =============================================================================
+# DEMO HOLDING DATA (Nova x Genesis SASU)
+# Holding specialisee dans l'investissement en dette souveraine
+# Activite principale: Dette d'Etat / Obligations de guerre
+# Filiales: activite secondaire
+# =============================================================================
+
+DEMO_HOLDING = {
+    "holding": {
+        "name": "Nova x Genesis",
+        "legal_name": "Nova x Genesis Financial Services SASU",
+        "siren": "912 345 678",
+        "lei": "969500XXXXXXXXXXXXXX",
+        "address": "42 Avenue des Champs-Elysees",
+        "city": "Paris",
+        "postal_code": "75008",
+        "country": "France",
+        "capital": Decimal("500000000.00"),  # 500M EUR capital
+        "activity": "Investissement en dette souveraine",
+    },
+    "accounts": {
+        "principal": {
+            "name": "Compte Principal",
+            "iban": "FR76 3000 6000 0112 3456 7890 189",
+            "balance": Decimal("85000000.00"),  # 85M EUR
+            "currency": "EUR",
+        },
+        "tresorerie": {
+            "name": "Compte Tresorerie",
+            "iban": "FR76 3000 6000 0198 7654 3210 012",
+            "balance": Decimal("45000000.00"),  # 45M EUR
+            "currency": "EUR",
+        },
+        "titres": {
+            "name": "Compte Titres (Dette Souveraine)",
+            "iban": "FR76 3000 6000 0199 8765 4321 098",
+            "balance": Decimal("120000000.00"),  # 120M EUR cash pour achats
+            "currency": "EUR",
+        },
+    },
+    # Filiales
+    "subsidiaries": [
+        {"id": "SUB001", "name": "NanoPy Bank France", "type": "Banque de detail", "ownership": Decimal("100.00"), "assets": Decimal("2400000000"), "employees": 1250, "status": "active", "pool_balance": Decimal("8500000"), "pool_limit": Decimal("10000000")},
+        {"id": "SUB002", "name": "Nova Asset Management", "type": "Gestion d'actifs", "ownership": Decimal("100.00"), "assets": Decimal("850000000"), "employees": 85, "status": "active", "pool_balance": Decimal("-1200000"), "pool_limit": Decimal("5000000")},
+        {"id": "SUB003", "name": "Nova Insurance", "type": "Assurance", "ownership": Decimal("85.00"), "assets": Decimal("450000000"), "employees": 320, "status": "active", "pool_balance": Decimal("3800000"), "pool_limit": Decimal("8000000")},
+        {"id": "SUB004", "name": "Nova Leasing", "type": "Credit-bail", "ownership": Decimal("100.00"), "assets": Decimal("180000000"), "employees": 45, "status": "active", "pool_balance": Decimal("-450000"), "pool_limit": Decimal("2000000")},
+        {"id": "SUB005", "name": "Nova Digital", "type": "Fintech", "ownership": Decimal("70.00"), "assets": Decimal("25000000"), "employees": 60, "status": "startup", "pool_balance": Decimal("650000"), "pool_limit": Decimal("1000000")},
+    ],
+    "intra_group_loans": [
+        {"id": "IGL001", "borrower": "Nova Leasing", "borrower_id": "SUB004", "principal": Decimal("5000000"), "outstanding": Decimal("4200000"), "rate": Decimal("1.25"), "start_date": date(2024, 1, 15), "maturity": date(2027, 12, 31), "status": "active"},
+        {"id": "IGL002", "borrower": "Nova Digital", "borrower_id": "SUB005", "principal": Decimal("2500000"), "outstanding": Decimal("2500000"), "rate": Decimal("1.50"), "start_date": date(2025, 3, 1), "maturity": date(2026, 6, 30), "status": "active"},
+        {"id": "IGL003", "borrower": "Nova Insurance", "borrower_id": "SUB003", "principal": Decimal("10000000"), "outstanding": Decimal("8500000"), "rate": Decimal("1.00"), "start_date": date(2023, 6, 1), "maturity": date(2028, 12, 31), "status": "active"},
+    ],
+    "dividends": [
+        {"id": "DIV001", "subsidiary": "NanoPy Bank France", "subsidiary_id": "SUB001", "year": "2025", "gross": Decimal("15000000"), "tax": Decimal("0"), "net": Decimal("15000000"), "status": "paid", "payment_date": date(2025, 4, 15)},
+        {"id": "DIV002", "subsidiary": "Nova Asset Management", "subsidiary_id": "SUB002", "year": "2025", "gross": Decimal("3200000"), "tax": Decimal("0"), "net": Decimal("3200000"), "status": "approved", "payment_date": None},
+        {"id": "DIV003", "subsidiary": "Nova Insurance", "subsidiary_id": "SUB003", "year": "2025", "gross": Decimal("1800000"), "tax": Decimal("270000"), "net": Decimal("1530000"), "status": "declared", "payment_date": None},
+    ],
+    "pool_rates": {"credit": Decimal("0.50"), "debit": Decimal("2.00")},
+    # Revenus - Dette souveraine = 85% des revenus
+    "revenue_breakdown": {
+        "sovereign_bonds_coupons": Decimal("98500000"),  # 98.5M EUR - Coupons annuels
+        "sovereign_bonds_trading": Decimal("15200000"),  # 15.2M EUR - Plus-values trading
+        "subsidiaries_dividends": Decimal("2800000"),    # 2.8M EUR - Dividendes filiales
+        "other": Decimal("1500000"),                     # 1.5M EUR - Autres
+    },
+    # Assurances Groupe
+    "insurances": [
+        # RC Dirigeants (D&O)
+        {"id": "INS001", "type": "D&O", "name": "RC Dirigeants et Mandataires Sociaux", "insurer": "AXA Corporate", "policy_number": "DO-2024-NXG-001", "coverage": Decimal("50000000"), "premium": Decimal("185000"), "frequency": "annual", "start_date": date(2024, 1, 1), "end_date": date(2025, 12, 31), "status": "active"},
+        # RC Pro Groupe
+        {"id": "INS002", "type": "RC_PRO", "name": "RC Professionnelle Groupe", "insurer": "Allianz", "policy_number": "RCP-2024-NXG-002", "coverage": Decimal("100000000"), "premium": Decimal("320000"), "frequency": "annual", "start_date": date(2024, 1, 1), "end_date": date(2025, 12, 31), "status": "active"},
+        # Cyber assurance
+        {"id": "INS003", "type": "CYBER", "name": "Cyber Assurance Groupe", "insurer": "Chubb", "policy_number": "CYB-2024-NXG-003", "coverage": Decimal("25000000"), "premium": Decimal("95000"), "frequency": "annual", "start_date": date(2024, 3, 1), "end_date": date(2025, 2, 28), "status": "active"},
+        # Assurance Immeubles
+        {"id": "INS004", "type": "PROPERTY", "name": "Multirisque Siege Social", "insurer": "Generali", "policy_number": "MR-2024-NXG-004", "coverage": Decimal("15000000"), "premium": Decimal("42000"), "frequency": "annual", "start_date": date(2024, 1, 1), "end_date": date(2025, 12, 31), "status": "active"},
+        # Key Man
+        {"id": "INS005", "type": "KEY_MAN", "name": "Assurance Homme-Cle (PDG)", "insurer": "Swiss Life", "policy_number": "KM-2024-NXG-005", "coverage": Decimal("10000000"), "premium": Decimal("28000"), "frequency": "annual", "start_date": date(2024, 6, 1), "end_date": date(2025, 5, 31), "status": "active"},
+        # CDS Ukraine (couverture risque souverain)
+        {"id": "INS006", "type": "CDS", "name": "CDS Ukraine Sovereign 5Y", "insurer": "JP Morgan (contrepartie)", "policy_number": "CDS-UA-2024-001", "coverage": Decimal("150000000"), "premium": Decimal("4500000"), "frequency": "annual", "start_date": date(2024, 1, 15), "end_date": date(2029, 1, 15), "status": "active", "spread_bps": 3000},
+    ],
+    # Sinistres
+    "claims": [
+        {"id": "CLM001", "insurance_id": "INS003", "date": date(2024, 8, 15), "type": "Tentative intrusion", "amount_claimed": Decimal("150000"), "amount_paid": Decimal("125000"), "status": "paid"},
+        {"id": "CLM002", "insurance_id": "INS004", "date": date(2024, 11, 20), "type": "Degat des eaux", "amount_claimed": Decimal("35000"), "amount_paid": Decimal("0"), "status": "pending"},
+    ],
+}
+
+
+# =============================================================================
+# DEMO SOVEREIGN BONDS PORTFOLIO - PORTEFEUILLE MASSIF (2.8 Milliards EUR)
+# Dette de guerre / Obligations d'Etat - Activite principale
+# =============================================================================
+
+DEMO_SOVEREIGN_BONDS = [
+    # ============ FRANCE - OAT (850M EUR) ============
+    {"isin": "FR0014007L00", "name": "OAT 2.50% 25/05/2030 (Defense)", "country": "FR", "country_name": "France", "coupon": Decimal("2.50"), "maturity": date(2030, 5, 25), "nominal": Decimal("250000000"), "purchase_price": Decimal("99.50"), "current_price": Decimal("98.75"), "purchase_date": date(2023, 6, 15), "quantity": 2500},
+    {"isin": "FR0013508470", "name": "OAT 1.50% 25/05/2031", "country": "FR", "country_name": "France", "coupon": Decimal("1.50"), "maturity": date(2031, 5, 25), "nominal": Decimal("200000000"), "purchase_price": Decimal("96.25"), "current_price": Decimal("95.80"), "purchase_date": date(2023, 9, 1), "quantity": 2000},
+    {"isin": "FR0014003513", "name": "OAT 0.75% 25/11/2028", "country": "FR", "country_name": "France", "coupon": Decimal("0.75"), "maturity": date(2028, 11, 25), "nominal": Decimal("150000000"), "purchase_price": Decimal("97.00"), "current_price": Decimal("96.50"), "purchase_date": date(2024, 1, 10), "quantity": 1500},
+    {"isin": "FR0013154028", "name": "OAT 1.25% 25/05/2036", "country": "FR", "country_name": "France", "coupon": Decimal("1.25"), "maturity": date(2036, 5, 25), "nominal": Decimal("250000000"), "purchase_price": Decimal("92.00"), "current_price": Decimal("91.25"), "purchase_date": date(2024, 3, 20), "quantity": 2500},
+
+    # ============ ALLEMAGNE - Bund (600M EUR) ============
+    {"isin": "DE0001102580", "name": "Bund 2.30% 15/02/2033", "country": "DE", "country_name": "Allemagne", "coupon": Decimal("2.30"), "maturity": date(2033, 2, 15), "nominal": Decimal("300000000"), "purchase_price": Decimal("102.00"), "current_price": Decimal("101.50"), "purchase_date": date(2023, 4, 1), "quantity": 3000},
+    {"isin": "DE0001102614", "name": "Bund 1.70% 15/08/2032", "country": "DE", "country_name": "Allemagne", "coupon": Decimal("1.70"), "maturity": date(2032, 8, 15), "nominal": Decimal("200000000"), "purchase_price": Decimal("98.75"), "current_price": Decimal("98.25"), "purchase_date": date(2023, 7, 15), "quantity": 2000},
+    {"isin": "DE0001141836", "name": "Bund 0.00% 15/08/2031", "country": "DE", "country_name": "Allemagne", "coupon": Decimal("0.00"), "maturity": date(2031, 8, 15), "nominal": Decimal("100000000"), "purchase_price": Decimal("88.50"), "current_price": Decimal("87.75"), "purchase_date": date(2024, 2, 1), "quantity": 1000},
+
+    # ============ ITALIE - BTP (400M EUR) ============
+    {"isin": "IT0005436693", "name": "BTP 3.85% 01/09/2049", "country": "IT", "country_name": "Italie", "coupon": Decimal("3.85"), "maturity": date(2049, 9, 1), "nominal": Decimal("200000000"), "purchase_price": Decimal("95.50"), "current_price": Decimal("94.25"), "purchase_date": date(2023, 5, 10), "quantity": 2000},
+    {"isin": "IT0005494239", "name": "BTP 2.80% 01/06/2029", "country": "IT", "country_name": "Italie", "coupon": Decimal("2.80"), "maturity": date(2029, 6, 1), "nominal": Decimal("200000000"), "purchase_price": Decimal("99.00"), "current_price": Decimal("98.50"), "purchase_date": date(2024, 1, 5), "quantity": 2000},
+
+    # ============ ESPAGNE - Bonos (300M EUR) ============
+    {"isin": "ES0000012L29", "name": "Bonos 2.55% 31/10/2032", "country": "ES", "country_name": "Espagne", "coupon": Decimal("2.55"), "maturity": date(2032, 10, 31), "nominal": Decimal("150000000"), "purchase_price": Decimal("98.00"), "current_price": Decimal("97.50"), "purchase_date": date(2023, 8, 1), "quantity": 1500},
+    {"isin": "ES00000128Q6", "name": "Bonos 1.85% 30/07/2035", "country": "ES", "country_name": "Espagne", "coupon": Decimal("1.85"), "maturity": date(2035, 7, 30), "nominal": Decimal("150000000"), "purchase_price": Decimal("94.25"), "current_price": Decimal("93.75"), "purchase_date": date(2024, 2, 15), "quantity": 1500},
+
+    # ============ UKRAINE - War Bonds (250M EUR) ============
+    {"isin": "XS2010028699", "name": "Ukraine 7.75% 01/09/2026 (War Bond)", "country": "UA", "country_name": "Ukraine", "coupon": Decimal("7.75"), "maturity": date(2026, 9, 1), "nominal": Decimal("100000000"), "purchase_price": Decimal("45.00"), "current_price": Decimal("52.50"), "purchase_date": date(2023, 3, 1), "quantity": 1000},
+    {"isin": "XS2010028772", "name": "Ukraine 6.876% 21/05/2029 (War Bond)", "country": "UA", "country_name": "Ukraine", "coupon": Decimal("6.876"), "maturity": date(2029, 5, 21), "nominal": Decimal("150000000"), "purchase_price": Decimal("38.00"), "current_price": Decimal("48.25"), "purchase_date": date(2023, 6, 15), "quantity": 1500},
+
+    # ============ POLOGNE (200M EUR) - Soutien OTAN ============
+    {"isin": "PL0000112736", "name": "Poland 3.25% 25/07/2033", "country": "PL", "country_name": "Pologne", "coupon": Decimal("3.25"), "maturity": date(2033, 7, 25), "nominal": Decimal("200000000"), "purchase_price": Decimal("96.50"), "current_price": Decimal("95.75"), "purchase_date": date(2024, 1, 20), "quantity": 2000},
+
+    # ============ USA - Treasury (300M EUR) ============
+    {"isin": "US912810TM09", "name": "US Treasury 4.125% 15/08/2053", "country": "US", "country_name": "Etats-Unis", "coupon": Decimal("4.125"), "maturity": date(2053, 8, 15), "nominal": Decimal("200000000"), "purchase_price": Decimal("97.00"), "current_price": Decimal("96.25"), "purchase_date": date(2023, 10, 1), "quantity": 2000},
+    {"isin": "US91282CJL54", "name": "US Treasury 4.50% 15/11/2033", "country": "US", "country_name": "Etats-Unis", "coupon": Decimal("4.50"), "maturity": date(2033, 11, 15), "nominal": Decimal("100000000"), "purchase_price": Decimal("101.50"), "current_price": Decimal("100.75"), "purchase_date": date(2024, 3, 1), "quantity": 1000},
+
+    # ============ UK - Gilt (150M EUR) ============
+    {"isin": "GB00BDRHNP05", "name": "UK Gilt 3.75% 22/10/2053", "country": "GB", "country_name": "Royaume-Uni", "coupon": Decimal("3.75"), "maturity": date(2053, 10, 22), "nominal": Decimal("150000000"), "purchase_price": Decimal("92.00"), "current_price": Decimal("91.25"), "purchase_date": date(2023, 11, 15), "quantity": 1500},
+]
+
+
+# =============================================================================
+# DEMO AVAILABLE BONDS (for purchase) - Focus dette souveraine / guerre
+# =============================================================================
+
+DEMO_AVAILABLE_BONDS = [
+    # Eurozone - Core
+    {"isin": "FR0014006XJ5", "name": "OAT 1.25% 25/05/2034", "country": "FR", "country_name": "France", "coupon": Decimal("1.25"), "maturity": date(2034, 5, 25), "current_price": Decimal("94.50"), "yield": Decimal("1.85")},
+    {"isin": "FR0014007TY1", "name": "OAT 3.00% 25/05/2033 (Defense)", "country": "FR", "country_name": "France", "coupon": Decimal("3.00"), "maturity": date(2033, 5, 25), "current_price": Decimal("102.75"), "yield": Decimal("2.65")},
+    {"isin": "DE0001102648", "name": "Bund 2.60% 15/08/2033", "country": "DE", "country_name": "Allemagne", "coupon": Decimal("2.60"), "maturity": date(2033, 8, 15), "current_price": Decimal("103.50"), "yield": Decimal("2.25")},
+    {"isin": "IT0005519787", "name": "BTP 4.00% 30/04/2035", "country": "IT", "country_name": "Italie", "coupon": Decimal("4.00"), "maturity": date(2035, 4, 30), "current_price": Decimal("100.25"), "yield": Decimal("3.95")},
+    {"isin": "ES00001015F8", "name": "Bonos 3.15% 30/04/2033", "country": "ES", "country_name": "Espagne", "coupon": Decimal("3.15"), "maturity": date(2033, 4, 30), "current_price": Decimal("101.00"), "yield": Decimal("3.00")},
+
+    # Europe de l'Est - Soutien OTAN / Ukraine
+    {"isin": "XS2010029077", "name": "Ukraine 8.994% 01/02/2030 (War Bond)", "country": "UA", "country_name": "Ukraine", "coupon": Decimal("8.994"), "maturity": date(2030, 2, 1), "current_price": Decimal("42.50"), "yield": Decimal("28.50")},
+    {"isin": "PL0000113783", "name": "Poland 5.75% 25/04/2032", "country": "PL", "country_name": "Pologne", "coupon": Decimal("5.75"), "maturity": date(2032, 4, 25), "current_price": Decimal("108.25"), "yield": Decimal("4.50")},
+    {"isin": "ROVRZSDI2CZ7", "name": "Romania 4.625% 03/04/2049", "country": "RO", "country_name": "Roumanie", "coupon": Decimal("4.625"), "maturity": date(2049, 4, 3), "current_price": Decimal("78.50"), "yield": Decimal("6.25")},
+
+    # USA & UK
+    {"isin": "US91282CKR31", "name": "US Treasury 4.625% 15/05/2034", "country": "US", "country_name": "Etats-Unis", "coupon": Decimal("4.625"), "maturity": date(2034, 5, 15), "current_price": Decimal("102.50"), "yield": Decimal("4.35")},
+    {"isin": "GB00BM8Z2V59", "name": "UK Gilt 4.25% 07/12/2040", "country": "GB", "country_name": "Royaume-Uni", "coupon": Decimal("4.25"), "maturity": date(2040, 12, 7), "current_price": Decimal("98.75"), "yield": Decimal("4.35")},
+
+    # Autres
+    {"isin": "JP1201551M12", "name": "JGB 0.50% 20/03/2033", "country": "JP", "country_name": "Japon", "coupon": Decimal("0.50"), "maturity": date(2033, 3, 20), "current_price": Decimal("98.00"), "yield": Decimal("0.72")},
+    {"isin": "CH0224397130", "name": "Swiss Conf 1.50% 24/07/2042", "country": "CH", "country_name": "Suisse", "coupon": Decimal("1.50"), "maturity": date(2042, 7, 24), "current_price": Decimal("105.00"), "yield": Decimal("1.15")},
+]
+
+
+# =============================================================================
+# HELPER FUNCTION TO GET DEMO HOLDING DATA
+# =============================================================================
+
+def get_demo_holding_data():
+    """
+    Get a copy of demo holding data.
+    Returns a deep copy to avoid mutations.
+    """
+    import copy
+    data = copy.deepcopy(DEMO_HOLDING)
+    data["sovereign_bonds"] = copy.deepcopy(DEMO_SOVEREIGN_BONDS)
+    data["available_bonds"] = copy.deepcopy(DEMO_AVAILABLE_BONDS)
+    data["bond_transactions"] = []
+    data["transactions"] = []
+    return data
+
+
+# =============================================================================
+# HELPER FUNCTION TO CREATE DEMO BANK
+# =============================================================================
+
+def create_demo_bank():
+    """
+    Create a bank instance populated with demo data.
+
+    Returns:
+        Bank: A bank instance with demo customers, accounts, transactions, etc.
+    """
+    from ..core.bank import Bank
+
+    bank = Bank()
+
+    # Add customers
+    for cust_data in DEMO_CUSTOMERS:
+        customer = Customer(**cust_data)
+        bank.customers[customer.customer_id] = customer
+
+    # Add accounts
+    for acc_data in DEMO_ACCOUNTS:
+        account = Account(**acc_data)
+        bank.accounts[account.iban] = account
+
+    # Add transactions
+    for tx_data in DEMO_TRANSACTIONS:
+        tx = Transaction(**tx_data)
+        bank.transactions[tx.transaction_id] = tx
+
+    # Add cards
+    for card_data in DEMO_CARDS:
+        card = Card(**card_data)
+        bank.cards[card.card_id] = card
+
+    return bank