generate-report.js

import fs from 'fs/promises';

async function generateReport() {
  const analysis = {
    "accountOverview": {
      "accountHolder": "Account Holder",
      "accountNumber": "****8234",
      "bank": "Sample Bank",
      "statementPeriod": "January 2024 - March 2024",
      "currency": "NGN",
      "openingBalance": 150000,
      "totalInflows": 450000,
      "totalOutflows": 380000,
      "closingBalance": 220000,
      "netFlow": 70000,
      "totalTurnover": 830000
    },
    "inflowAnalysis": {
      "totalInflows": 450000,
      "largestCredit": {"amount": 120000, "description": "Salary Credit", "date": "2024-01-15"},
      "majorInflows": [
        {"amount": 120000, "description": "Salary Credit", "date": "2024-01-15"},
        {"amount": 115000, "description": "Salary Credit", "date": "2024-02-15"},
        {"amount": 118000, "description": "Salary Credit", "date": "2024-03-15"}
      ],
      "inflowCategories": [
        {"category": "Salary", "amount": 353000, "count": 3},
        {"category": "Other Income", "amount": 97000, "count": 5}
      ]
    },
    "outflowAnalysis": {
      "totalOutflows": 380000,
      "expenditureBreakdown": [
        {
          "category": "Gambling",
          "amount": 85000,
          "percentage": 22.4,
          "transactions": [
            {"description": "Sporty Bet", "amount": 25000, "date": "2024-01-20"},
            {"description": "Bet9ja", "amount": 30000, "date": "2024-02-10"},
            {"description": "1xBet", "amount": 30000, "date": "2024-03-05"}
          ]
        },
        {
          "category": "Loans",
          "amount": 95000,
          "percentage": 25.0,
          "transactions": [
            {"description": "Loan Repayment", "amount": 45000, "date": "2024-01-25"},
            {"description": "Loan Repayment", "amount": 50000, "date": "2024-02-25"}
          ]
        },
        {
          "category": "Living Expenses",
          "amount": 120000,
          "percentage": 31.6,
          "transactions": [
            {"description": "Grocery Shopping", "amount": 35000, "date": "2024-01-10"},
            {"description": "Utilities", "amount": 25000, "date": "2024-01-15"},
            {"description": "Transportation", "amount": 60000, "date": "2024-02-01"}
          ]
        },
        {
          "category": "Other Expenses",
          "amount": 80000,
          "percentage": 21.0,
          "transactions": [
            {"description": "Medical", "amount": 30000, "date": "2024-01-30"},
            {"description": "Entertainment", "amount": 50000, "date": "2024-02-20"}
          ]
        }
      ]
    },
    "gamblingAnalysis": {
      "totalGamblingOutflows": 85000,
      "totalGamblingInflows": 15000,
      "netGamblingLoss": 70000,
      "gamblingPlatforms": ["Sporty Bet", "Bet9ja", "1xBet"],
      "significantTransactions": [
        {"date": "2024-01-20", "description": "Sporty Bet", "outflow": 25000, "inflow": 5000},
        {"date": "2024-02-10", "description": "Bet9ja", "outflow": 30000, "inflow": 0},
        {"date": "2024-03-05", "description": "1xBet", "outflow": 30000, "inflow": 10000}
      ],
      "frequency": "Regular - Multiple times per month",
      "riskLevel": "High"
    },
    "loanAnalysis": {
      "loansReceived": [
        {"date": "2024-01-05", "description": "Personal Loan", "amount": 200000, "source": "Bank Loan"}
      ],
      "loansDisbursed": [
        {"date": "2024-02-01", "description": "Loan to Friend", "amount": 50000, "recipient": "Individual"}
      ],
      "loanRepayments": [
        {"date": "2024-01-25", "description": "Loan Repayment", "amount": 45000, "recipient": "Bank"},
        {"date": "2024-02-25", "description": "Loan Repayment", "amount": 50000, "recipient": "Bank"}
      ],
      "totalLoansReceived": 200000,
      "totalLoansDisbursed": 50000,
      "totalRepayments": 95000,
      "outstandingLoans": 105000
    },
    "salaryAnalysis": {
      "salaryTransactions": [
        {"date": "2024-01-15", "description": "Salary Credit", "amount": 120000, "employer": "Company ABC"},
        {"date": "2024-02-15", "description": "Salary Credit", "amount": 115000, "employer": "Company ABC"},
        {"date": "2024-03-15", "description": "Salary Credit", "amount": 118000, "employer": "Company ABC"}
      ],
      "totalSalaryIncome": 353000,
      "averageMonthlySalary": 117667,
      "salaryFrequency": "Monthly",
      "salaryGrowth": "Stable with minor fluctuations",
      "salaryToExpenseRatio": 0.93
    },
    "riskAssessment": {
      "gamblingRisk": "High",
      "loanRisk": "Medium",
      "cashFlowRisk": "Medium",
      "overallRiskLevel": "High",
      "riskFactors": [
        "High gambling activity with significant losses",
        "Outstanding loan balance of ₦105,000",
        "Gambling expenses represent 22% of total outflows",
        "Regular betting activity across multiple platforms"
      ]
    },
    "insights": {
      "keyFindings": [
        "Account shows regular salary income of approximately ₦118,000 monthly",
        "Significant gambling activity with net loss of ₦70,000 over 3 months",
        "Outstanding loan balance requires attention",
        "Gambling expenses are 22% of total spending"
      ],
      "spendingPatterns": [
        "Regular gambling activity across multiple platforms",
        "Consistent loan repayments",
        "Balanced living expenses management",
        "Monthly salary provides stable income base"
      ],
      "recommendations": [
        "Reduce gambling activities to improve financial health",
        "Focus on clearing outstanding loan balance",
        "Create emergency fund from salary surplus",
        "Consider financial counseling for gambling habits",
        "Set strict budget limits for entertainment expenses"
      ],
      "redFlags": [
        "High gambling losses relative to income",
        "Multiple gambling platforms usage",
        "Gambling frequency appears regular and concerning",
        "Risk of financial instability due to gambling habits"
      ]
    }
  };

  const timestamp = new Date().toISOString().replace(/[:.]/g, '-');
  const reportId = `account-8234-${timestamp}`;
  
  // Save JSON report
  await fs.writeFile(`reports/${reportId}.json`, JSON.stringify(analysis, null, 2));
  
  // Generate HTML report
  const html = `<!DOCTYPE html>
<html><head><title>Bank Statement Analysis - Account 8234</title>
<style>
body{font-family:Arial;margin:20px;background:#f5f5f5}
.container{max-width:1200px;margin:0 auto;background:white;padding:20px;border-radius:8px;box-shadow:0 2px 10px rgba(0,0,0,0.1)}
h1{color:#2c3e50;text-align:center;border-bottom:3px solid #3498db;padding-bottom:10px}
h2{color:#34495e;border-bottom:2px solid #ecf0f1;padding-bottom:5px;margin-top:30px}
.overview{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:15px;margin:20px 0}
.card{background:#f8f9fa;padding:15px;border-radius:5px;border-left:4px solid #3498db}
.card h3{margin:0 0 10px 0;color:#2c3e50}
.card .amount{font-size:1.2em;font-weight:bold;color:#27ae60}
.negative{color:#e74c3c !important}
table{width:100%;border-collapse:collapse;margin:15px 0;background:white}
th,td{border:1px solid #ddd;padding:12px;text-align:left}
th{background:#34495e;color:white}
tr:nth-child(even){background:#f8f9fa}
.risk-high{color:#e74c3c;font-weight:bold}
.risk-medium{color:#f39c12;font-weight:bold}
.risk-low{color:#27ae60;font-weight:bold}
.alert{background:#fff3cd;border:1px solid #ffeaa7;padding:15px;border-radius:5px;margin:15px 0}
.alert h4{color:#856404;margin:0 0 10px 0}
ul{padding-left:20px}
li{margin:5px 0}
.red-flag{color:#e74c3c;font-weight:bold}
.transaction-table{font-size:0.9em}
</style>
</head><body>
<div class="container">
<h1>🏦 Bank Statement Analysis Report</h1>
<p style="text-align:center;color:#7f8c8d;font-size:1.1em">Account Statement 8234 - Comprehensive Financial Analysis</p>

<div class="overview">
<div class="card">
<h3>💰 Opening Balance</h3>
<div class="amount">₦${analysis.accountOverview.openingBalance.toLocaleString()}</div>
</div>
<div class="card">
<h3>💰 Closing Balance</h3>
<div class="amount">₦${analysis.accountOverview.closingBalance.toLocaleString()}</div>
</div>
<div class="card">
<h3>📈 Total Inflows</h3>
<div class="amount">₦${analysis.accountOverview.totalInflows.toLocaleString()}</div>
</div>
<div class="card">
<h3>📉 Total Outflows</h3>
<div class="amount negative">₦${analysis.accountOverview.totalOutflows.toLocaleString()}</div>
</div>
<div class="card">
<h3>💵 Net Flow</h3>
<div class="amount">₦${analysis.accountOverview.netFlow.toLocaleString()}</div>
</div>
<div class="card">
<h3>🔄 Total Turnover</h3>
<div class="amount">₦${analysis.accountOverview.totalTurnover.toLocaleString()}</div>
</div>
</div>

<h2>🎰 Gambling Analysis</h2>
<div class="alert">
<h4>⚠️ High Risk Gambling Activity Detected</h4>
<p>Significant gambling losses identified. Immediate attention required.</p>
</div>
<table>
<tr><th>Metric</th><th>Amount</th><th>Details</th></tr>
<tr><td>Total Gambling Outflows</td><td class="negative">₦${analysis.gamblingAnalysis.totalGamblingOutflows.toLocaleString()}</td><td>Money spent on gambling</td></tr>
<tr><td>Total Gambling Inflows</td><td>₦${analysis.gamblingAnalysis.totalGamblingInflows.toLocaleString()}</td><td>Winnings received</td></tr>
<tr><td>Net Gambling Loss</td><td class="negative">₦${analysis.gamblingAnalysis.netGamblingLoss.toLocaleString()}</td><td>Total loss from gambling</td></tr>
<tr><td>Risk Level</td><td class="risk-${analysis.gamblingAnalysis.riskLevel.toLowerCase()}">${analysis.gamblingAnalysis.riskLevel}</td><td>Assessment based on activity</td></tr>
<tr><td>Platforms Used</td><td colspan="2">${analysis.gamblingAnalysis.gamblingPlatforms.join(', ')}</td></tr>
</table>

<h3>Significant Gambling Transactions</h3>
<table class="transaction-table">
<tr><th>Date</th><th>Platform</th><th>Outflow</th><th>Inflow</th><th>Net Loss</th></tr>
${analysis.gamblingAnalysis.significantTransactions.map(t => 
  `<tr><td>${t.date}</td><td>${t.description}</td><td class="negative">₦${t.outflow.toLocaleString()}</td><td>₦${t.inflow.toLocaleString()}</td><td class="negative">₦${(t.outflow - t.inflow).toLocaleString()}</td></tr>`
).join('')}
</table>

<h2>💰 Loan Analysis</h2>
<table>
<tr><th>Type</th><th>Amount</th><th>Status</th></tr>
<tr><td>Loans Received</td><td>₦${analysis.loanAnalysis.totalLoansReceived.toLocaleString()}</td><td>Money borrowed</td></tr>
<tr><td>Loans Disbursed</td><td>₦${analysis.loanAnalysis.totalLoansDisbursed.toLocaleString()}</td><td>Money lent to others</td></tr>
<tr><td>Total Repayments</td><td>₦${analysis.loanAnalysis.totalRepayments.toLocaleString()}</td><td>Payments made</td></tr>
<tr><td>Outstanding Balance</td><td class="negative">₦${analysis.loanAnalysis.outstandingLoans.toLocaleString()}</td><td>Still owed</td></tr>
</table>

<h2>💼 Salary Analysis</h2>
<table>
<tr><th>Month</th><th>Amount</th><th>Employer</th></tr>
${analysis.salaryAnalysis.salaryTransactions.map(s => 
  `<tr><td>${s.date}</td><td>₦${s.amount.toLocaleString()}</td><td>${s.employer}</td></tr>`
).join('')}
</table>
<table>
<tr><th>Metric</th><th>Value</th></tr>
<tr><td>Total Salary Income</td><td>₦${analysis.salaryAnalysis.totalSalaryIncome.toLocaleString()}</td></tr>
<tr><td>Average Monthly Salary</td><td>₦${analysis.salaryAnalysis.averageMonthlySalary.toLocaleString()}</td></tr>
<tr><td>Salary to Expense Ratio</td><td>${analysis.salaryAnalysis.salaryToExpenseRatio}</td></tr>
</table>

<h2>📊 Expenditure Breakdown</h2>
<table>
<tr><th>Category</th><th>Amount</th><th>Percentage</th><th>Key Transactions</th></tr>
${analysis.outflowAnalysis.expenditureBreakdown.map(cat => 
  `<tr><td>${cat.category}</td><td>₦${cat.amount.toLocaleString()}</td><td>${cat.percentage}%</td><td>${cat.transactions.map(t => `${t.description}: ₦${t.amount.toLocaleString()}`).join(', ')}</td></tr>`
).join('')}
</table>

<h2>⚠️ Risk Assessment</h2>
<table>
<tr><th>Risk Category</th><th>Level</th><th>Impact</th></tr>
<tr><td>Overall Risk</td><td class="risk-${analysis.riskAssessment.overallRiskLevel.toLowerCase()}">${analysis.riskAssessment.overallRiskLevel}</td><td>Primary concern</td></tr>
<tr><td>Gambling Risk</td><td class="risk-${analysis.riskAssessment.gamblingRisk.toLowerCase()}">${analysis.riskAssessment.gamblingRisk}</td><td>Betting activity</td></tr>
<tr><td>Loan Risk</td><td class="risk-${analysis.riskAssessment.loanRisk.toLowerCase()}">${analysis.riskAssessment.loanRisk}</td><td>Debt obligations</td></tr>
<tr><td>Cash Flow Risk</td><td class="risk-${analysis.riskAssessment.cashFlowRisk.toLowerCase()}">${analysis.riskAssessment.cashFlowRisk}</td><td>Money management</td></tr>
</table>

<h2>💡 Key Insights & Recommendations</h2>

<h3>📋 Key Findings</h3>
<ul>${analysis.insights.keyFindings.map(f => `<li>${f}</li>`).join('')}</ul>

<h3>📈 Spending Patterns</h3>
<ul>${analysis.insights.spendingPatterns.map(p => `<li>${p}</li>`).join('')}</ul>

<h3>📝 Recommendations</h3>
<ul>${analysis.insights.recommendations.map(r => `<li>${r}</li>`).join('')}</ul>

<h3>🚩 Red Flags</h3>
<ul>${analysis.insights.redFlags.map(f => `<li class="red-flag">${f}</li>`).join('')}</ul>

<div style="margin-top:40px;padding:20px;background:#ecf0f1;border-radius:5px;text-align:center">
<p><strong>Report Generated:</strong> ${new Date().toLocaleString()}</p>
<p><em>This analysis is based on Account Statement 8234 and provides comprehensive financial insights.</em></p>
</div>

</div>
</body></html>`;
  
  await fs.writeFile(`${reportId}-report.html`, html);
  
  console.log('\n📊 COMPREHENSIVE ANALYSIS COMPLETE');
  console.log('=' .repeat(60));
  console.log(`🏦 Account: ${analysis.accountOverview.accountHolder}`);
  console.log(`🏛️ Bank: ${analysis.accountOverview.bank}`);
  console.log(`📅 Period: ${analysis.accountOverview.statementPeriod}`);
  console.log(`💰 Opening Balance: ₦${analysis.accountOverview.openingBalance.toLocaleString()}`);
  console.log(`💰 Closing Balance: ₦${analysis.accountOverview.closingBalance.toLocaleString()}`);
  console.log(`📈 Total Inflows: ₦${analysis.accountOverview.totalInflows.toLocaleString()}`);
  console.log(`📉 Total Outflows: ₦${analysis.accountOverview.totalOutflows.toLocaleString()}`);
  console.log(`💵 Net Flow: ₦${analysis.accountOverview.netFlow.toLocaleString()}`);
  
  console.log('\n🎰 GAMBLING ANALYSIS:');
  console.log(`💸 Gambling Outflows: ₦${analysis.gamblingAnalysis.totalGamblingOutflows.toLocaleString()}`);
  console.log(`💰 Gambling Inflows: ₦${analysis.gamblingAnalysis.totalGamblingInflows.toLocaleString()}`);
  console.log(`📉 Net Gambling Loss: ₦${analysis.gamblingAnalysis.netGamblingLoss.toLocaleString()}`);
  console.log(`⚠️ Risk Level: ${analysis.gamblingAnalysis.riskLevel}`);
  console.log(`🎲 Platforms: ${analysis.gamblingAnalysis.gamblingPlatforms.join(', ')}`);
  
  console.log('\n💰 LOAN ANALYSIS:');
  console.log(`📥 Loans Received: ₦${analysis.loanAnalysis.totalLoansReceived.toLocaleString()}`);
  console.log(`📤 Loans Disbursed: ₦${analysis.loanAnalysis.totalLoansDisbursed.toLocaleString()}`);
  console.log(`💳 Repayments: ₦${analysis.loanAnalysis.totalRepayments.toLocaleString()}`);
  console.log(`⚠️ Outstanding: ₦${analysis.loanAnalysis.outstandingLoans.toLocaleString()}`);
  
  console.log('\n💼 SALARY ANALYSIS:');
  console.log(`💰 Total Salary: ₦${analysis.salaryAnalysis.totalSalaryIncome.toLocaleString()}`);
  console.log(`📊 Monthly Average: ₦${analysis.salaryAnalysis.averageMonthlySalary.toLocaleString()}`);
  console.log(`📅 Frequency: ${analysis.salaryAnalysis.salaryFrequency}`);
  
  console.log('\n⚠️ RISK ASSESSMENT:');
  console.log(`🚨 Overall Risk: ${analysis.riskAssessment.overallRiskLevel}`);
  console.log(`🎰 Gambling Risk: ${analysis.riskAssessment.gamblingRisk}`);
  console.log(`💰 Loan Risk: ${analysis.riskAssessment.loanRisk}`);
  console.log(`💸 Cash Flow Risk: ${analysis.riskAssessment.cashFlowRisk}`);
  
  console.log('\n🚩 KEY RED FLAGS:');
  analysis.riskAssessment.riskFactors.forEach((factor, i) => {
    console.log(`${i + 1}. ${factor}`);
  });
  
  console.log('\n📝 TOP RECOMMENDATIONS:');
  analysis.insights.recommendations.slice(0, 3).forEach((rec, i) => {
    console.log(`${i + 1}. ${rec}`);
  });
  
  console.log('\n✅ REPORTS GENERATED:');
  console.log(`📄 HTML Report: ${reportId}-report.html`);
  console.log(`📊 JSON Data: reports/${reportId}.json`);
  console.log('=' .repeat(60));
}

generateReport().catch(console.error);