src/lib/mockData.ts

// Mock data for FinBot responses - used until backend is connected

export type KPIDirection = 'positive' | 'negative' | 'neutral';

export const MOCK_IR_RESPONSE = {
  question: "What was the Net Interest Margin performance in Q1 2026 and what were the key drivers?",
  executiveSummary: `Net Interest Margin expanded during Q1 2026, reaching 2.90% — an improvement of 9 basis points versus the prior comparable period. This reflects stronger asset yields driven by a higher-rate environment across core lending portfolios, combined with disciplined funding cost management. Profitability also strengthened, with Net Profit rising 7.6% year-on-year to AED 5.64 billion, underpinned by robust operating income growth and a meaningful reduction in the cost of risk. The Group's capital position remained well above regulatory requirements, providing a solid foundation for continued balance sheet expansion.`,

  sources: [
    {
      id: 1,
      docName: "Emirates NBD Investor Presentation Q1 2026",
      page: 14,
      support: "Supports NIM movement, asset yield commentary, and trend chart evidence.",
    },
    {
      id: 2,
      docName: "Emirates NBD Investor Presentation Q1 2026",
      page: 22,
      support: "Supports Net Profit and profitability improvement commentary.",
    },
    {
      id: 3,
      docName: "Emirates NBD Investor Presentation Q1 2026",
      page: 8,
      support: "Supports cost of risk and credit quality improvement data.",
    },
  ],

  financialEvidence: [
    {
      period: "2022",
      metric: "YTD NIM",
      value: "3.43 %",
      current: "3.43 %",
      previous: "—",
      change: "—",
      interpretation: "2022 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "2023",
      metric: "YTD NIM",
      value: "3.95 %",
      current: "3.95 %",
      previous: "—",
      change: "—",
      interpretation: "2023 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "2024",
      metric: "YTD NIM",
      value: "3.64 %",
      current: "3.64 %",
      previous: "—",
      change: "—",
      interpretation: "2024 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q1-25",
      metric: "Quarterly NIM",
      value: "3.58 %",
      current: "3.58 %",
      previous: "—",
      change: "—",
      interpretation: "Q1-25 Quarterly Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q1-25",
      metric: "YTD NIM",
      value: "3.58 %",
      current: "3.58 %",
      previous: "—",
      change: "—",
      interpretation: "Q1-25 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q2-25",
      metric: "Quarterly NIM",
      value: "3.36 %",
      current: "3.36 %",
      previous: "—",
      change: "—",
      interpretation: "Q2-25 Quarterly Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q2-25",
      metric: "YTD NIM",
      value: "3.47 %",
      current: "3.47 %",
      previous: "—",
      change: "—",
      interpretation: "Q2-25 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q3-25",
      metric: "Quarterly NIM",
      value: "3.37 %",
      current: "3.37 %",
      previous: "—",
      change: "—",
      interpretation: "Q3-25 Quarterly Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q3-25",
      metric: "YTD NIM",
      value: "3.43 %",
      current: "3.43 %",
      previous: "—",
      change: "—",
      interpretation: "Q3-25 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q4-25",
      metric: "Quarterly NIM",
      value: "3.52 %",
      current: "3.52 %",
      previous: "—",
      change: "—",
      interpretation: "Q4-25 Quarterly Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q4-25",
      metric: "YTD NIM",
      value: "3.46 %",
      current: "3.46 %",
      previous: "—",
      change: "—",
      interpretation: "Q4-25 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q1-26",
      metric: "Quarterly NIM",
      value: "3.35 %",
      current: "3.35 %",
      previous: "—",
      change: "—",
      interpretation: "Q1-26 Quarterly Net Interest Margin",
      direction: "neutral" as const,
    },
    {
      period: "Q1-26",
      metric: "YTD NIM",
      value: "3.35 %",
      current: "3.35 %",
      previous: "—",
      change: "—",
      interpretation: "Q1-26 YTD Net Interest Margin",
      direction: "neutral" as const,
    },
  ],

  keyDrivers: {
    summary: `The NIM expansion was primarily supported by stronger asset yields in a sustained higher-rate environment, combined with effective funding cost management. Lower credit costs and improved operating leverage further reinforced profitability improvement during the period. These factors collectively strengthened margin momentum across core banking activity.`,
    drivers: [
      {
        title: "Stronger Asset Yields",
        detail: "Higher lending yields supported margin expansion across core corporate and retail banking portfolios, benefiting from a sustained elevated rate environment.",
      },
      {
        title: "Funding Cost Discipline",
        detail: "Improved balance sheet management and deposit mix optimisation helped contain funding pressure, preserving net interest margin despite competitive deposit markets.",
      },
      {
        title: "Lower Cost of Risk",
        detail: "Reduced credit costs, reflecting strong underwriting standards and an improving credit quality environment, directly supported net profit performance.",
      },
      {
        title: "Operating Income Growth",
        detail: "Broad-based income growth across fee income and treasury activity complemented NII improvement, supporting overall profitability.",
      },
    ],
  },

  visualEvidence: [
    {
      id: "chart-nim",
      alt: "NIM Trend Chart — Q1 2026",
      caption: "Net Interest Margin trend",
      page: 17,
    },
    {
      id: "chart-profit",
      alt: "Net Profit Bar Chart — Q1 2026",
      caption: "Net Profit performance",
      page: 22,
    },
  ],
};

export const MOCK_UNSUPPORTED = {
  type: "unsupported",
  question: "What is the current Bitcoin price?",
};

export const MOCK_INSUFFICIENT = {
  type: "insufficient",
  question: "What was the branch count in 2019?",
};

export const SAMPLE_QUESTIONS = [
  "What was the Net Interest Margin in Q1 2026?",
  "How did Net Profit perform year-on-year?",
  "What is the Capital Adequacy Ratio?",
  "What drove the improvement in Cost of Risk?",
  "How did the retail banking segment perform?",
  "What is the liquidity coverage ratio?",
];

export const MOCK_DOCUMENTS = [
  {
    id: "doc-1",
    name: "Emirates NBD Investor Presentation Q1 2026",
    type: "Investor Presentation",
    period: "Q1 2026",
    pages: 48,
    status: "indexed",
    uploadedAt: "2026-06-01",
    filename: "emiratesnbd_investor_presentation_2026_q1.pdf",
  },
];