##Instruction:
Database: financial
Total Tables: 8
Total Columns: 55

Table Schemas:

Database: financial
Total Tables: 8
Total Columns: 55

Table Schemas:

Table: account (4 columns)
--------------------------
• account_id (integer): the id of the account
• district_id (integer): location of branch
• frequency (text): frequency of the acount
• date (date): the creation date of the account
  Values: in the form YYMMDD

Table: card (4 columns)
-----------------------
• card_id (integer): id number of credit card
• disp_id (integer): disposition id
• type (text): type of credit card
  Values: "junior": junior class of credit card; 
"classic": standard class of credit card; 
"gold": high-leve...
• issued (date): the date when the credit card issued
  Values: in the form YYMMDD

Table: client (4 columns)
-------------------------
• client_id (integer): the unique number
• gender (text)
  Values: F：female 
M：male
• birth_date (date): birth date
• district_id (integer): location of branch

Table: disp (4 columns)
-----------------------
• disp_id (integer): unique number of identifying this row of record
• client_id (integer): id number of client
• account_id (integer): id number of account
• type (text): type of disposition
  Values: "OWNER" : "USER" : "DISPONENT"
commonsense evidence:
the account can only have the right to issue pe...

Table: district (16 columns)
----------------------------
• district_id (integer): location of branch
• A2 (text): district_name
• A3 (text): region
• A4 (text)
• A5 (text): municipality < district < region
• A6 (text): municipality < district < region
• A7 (text): municipality < district < region
• A8 (integer): municipality < district < region
• A9 (integer)
  Values: not useful
• A10 (real): ratio of urban inhabitants
• A11 (integer): average salary
• A12 (real): unemployment rate 1995
• A13 (real): unemployment rate 1996
• A14 (integer): no. of entrepreneurs per 1000 inhabitants
• A15 (integer): no. of committed crimes 1995
• A16 (integer): no. of committed crimes 1996

Table: loan (7 columns)
-----------------------
• loan_id (integer): the id number identifying the loan data
• account_id (integer): the id number identifying the account
• date (date): the date when the loan is approved
• amount (integer): approved amount
  Values: unit：US dollar
• duration (integer): loan duration
  Values: unit：month
• payments (real): monthly payments
  Values: unit：month
• status (text): repayment status
  Values: 'A' stands for contract finished, no problems;
'B' stands for contract finished, loan not paid;
'C' ...

Table: order (6 columns)
------------------------
• order_id (integer): identifying the unique order
• account_id (integer): id number of account
• bank_to (text): bank of the recipient
• account_to (integer): account of the recipient
  Values: each bank has unique two-letter code
• amount (real): debited amount
• k_symbol (text): purpose of the payment
  Values: "POJISTNE" stands for insurance payment
"SIPO" stands for household payment
"LEASING" stands for lea...

Table: trans (10 columns)
-------------------------
• trans_id (integer): transaction id
• account_id (integer)
• date (date): date of transaction
• type (text): +/- transaction
  Values: "PRIJEM" stands for credit
"VYDAJ" stands for withdrawal
• operation (text): mode of transaction
  Values: "VYBER KARTOU": credit card withdrawal
"VKLAD": credit in cash
"PREVOD Z UCTU" :collection from anot...
• amount (integer): amount of money
  Values: Unit：USD
• balance (integer): balance after transaction
  Values: Unit：USD
• k_symbol (text)
  Values: "POJISTNE": stands for insurrance payment
"SLUZBY": stands for payment for statement
"UROK": stands ...
• bank (text)
  Values: each bank has unique two-letter code
• account (integer)

##Evidence:
Statements after transaction refers to frequency = 'POPLATEK PO OBRATU'; owner disposition refers to type = 'OWNER' in disp table

##Role Access Policy (Column-Level):
Role: RiskAnalyst
Accessible Columns: account: account_id, district_id, frequency; client: client_id, birth_date, district_id; district: ALL COLUMNS; loan: loan_id, account_id, date, amount, duration, payments, status; trans: account_id, date, type, operation, amount, balance, k_symbol

Based on the above schema and your role's column-level access policy, generate a SQL query to answer the question. If your role does not have access to the required columns, respond with: "Sorry, I cannot answer."


Question: For accounts with owner disposition that request statements after each transaction, what are the regional and district-level statistics including the number of accounts, average district salary, loan adoption rate, average loan amount, transaction activity, and account balances?
Evidence: Statements after transaction refers to frequency = 'POPLATEK PO OBRATU'; owner disposition refers to type = 'OWNER' in disp table
Answer: Sorry, I cannot answer.
Permission: denied (Missing column permissions: trans: trans_id; account: date)
Gold SQL: WITH owner_accounts AS (
    SELECT DISTINCT a.account_id, a.district_id, a.frequency, a.date
    FROM account a
    JOIN disp d ON a.account_id = d.account_id
    WHERE d.type = 'OWNER' AND a.frequency = 'POPLATEK PO OBRATU'
),
district_stats AS (
    SELECT 
        d.district_id,
        d.A2 AS district_name,
        d.A3 AS region,
        CAST(d.A4 AS INTEGER) AS population,
        CAST(d.A11 AS INTEGER) AS avg_salary,
        COUNT(DISTINCT oa.account_id) AS statement_accounts_count,
        AVG(CAST(STRFTIME('%Y', 'now') - STRFTIME('%Y', oa.date) AS INTEGER)) AS avg_account_age
    FROM district d
    LEFT JOIN owner_accounts oa ON d.district_id = oa.district_id
    GROUP BY d.district_id, d.A2, d.A3
),
loan_stats AS (
    SELECT 
        oa.account_id,
        COUNT(l.loan_id) AS loan_count,
        COALESCE(SUM(l.amount), 0) AS total_loan_amount,
        CASE 
            WHEN MAX(l.status) = 'A' THEN 'Running'
            WHEN MAX(l.status) = 'B' THEN 'Finished'
            WHEN MAX(l.status) = 'C' THEN 'Consolidated'
            WHEN MAX(l.status) = 'D' THEN 'Problem'
            ELSE 'No Loan'
        END AS loan_status
    FROM owner_accounts oa
    LEFT JOIN loan l ON oa.account_id = l.account_id
    GROUP BY oa.account_id
),
transaction_stats AS (
    SELECT 
        oa.account_id,
        COUNT(t.trans_id) AS transaction_count,
        COALESCE(SUM(CASE WHEN t.type = 'PRIJEM' THEN t.amount ELSE 0 END), 0) AS total_credits,
        COALESCE(SUM(CASE WHEN t.type = 'VYDAJ' THEN t.amount ELSE 0 END), 0) AS total_debits,
        COALESCE(MAX(t.balance), 0) AS last_balance
    FROM owner_accounts oa
    LEFT JOIN trans t ON oa.account_id = t.account_id
    GROUP BY oa.account_id
)
SELECT 
    COUNT(oa.account_id) AS total_accounts,
    ds.region,
    ds.district_name,
    ROUND(AVG(ds.avg_salary), 2) AS average_district_salary,
    COUNT(DISTINCT CASE WHEN ls.loan_count > 0 THEN oa.account_id END) AS accounts_with_loans,
    ROUND(AVG(ls.total_loan_amount), 2) AS avg_loan_amount,
    ROUND(AVG(ts.transaction_count), 2) AS avg_transaction_count,
    ROUND(AVG(ts.total_credits - ts.total_debits), 2) AS avg_net_flow,
    ROUND(AVG(ts.last_balance), 2) AS avg_balance
FROM owner_accounts oa
JOIN district_stats ds ON oa.district_id = ds.district_id
JOIN loan_stats ls ON oa.account_id = ls.account_id
JOIN transaction_stats ts ON oa.account_id = ts.account_id
GROUP BY ds.region, ds.district_name
HAVING COUNT(oa.account_id) > 0
ORDER BY total_accounts DESC, avg_loan_amount DESC