<svg xmlns="http://www.w3.org/2000/svg" width="24" height="18" viewBox="0 0 24 18">
  <rect width="24" height="6" fill="#fff"/>
  <rect y="6" width="24" height="6" fill="#0057b7"/>
  <rect y="12" width="24" height="6" fill="#d81e05"/>
  <!-- simple shield in canton -->
  <rect x="2" y="2" width="5" height="6" rx="1" fill="#0057b7" stroke="#fff" stroke-width=".5"/>
  <path d="M2.5 5.5h4l-2 1.5z" fill="#fff"/>
</svg>