Loan to Asset keeps spiking above maximum Loan rate

[Spac3y]

Hi all,

So surely the cap on.loans, in my case 95% should be just that a cap.

I keep getting spikes where the Loan to Assett ratio jumps way above my Maximum Loan to Asset ratio, in my case to 116% !!

Surely if someone comes for a loan and it's going to breach the cap.you set (95% )in my case it should.knock back them loan.
I keep consistently running out of cash b3cause of this as I keep being dumped into negative available cash

[David]

We will investigate the problem.

Could you please provide us with your save game file and let us know the following?
1) Which version of Capitalism Lab you are using. You can see the version number on the top-right of the main menu.
2) The exact steps for triggering the bug with the save game
3) If your savegame uses a MOD, please let us know the name of the MOD and the MOD's version number.

You can find save game files of Capitalism Lab from the C:\Users\<your user name>\Documents\My Games\Capitalism Lab\SAVE

You may provide us with your save game file by posting it here on the forum as a ZIP file attachment or emailing the save game file to us at info@enlight.com.

If your save game file is too large for attachment, you may check out this post about how to send us large files: https://www.enlight.com/forum/viewtopic.php?f=13&t=2473

[Stylesjl]

There are two reasons that can happen:

The first is that deposits are being withdrawn from the bank, which would lower your asset levels. No new loans are being given out in this case. The way to out of that problem is to grow your assets (expanding deposits or transferring money) or to wait for the old loans to be fully repaid (and they won't be lent out again until the percentage drops below the required threshold).

The second problem is a sudden spike in defaults - this also reduces your assets.

However the percentage should never rise above 100% - I think that is a bug. Does your bank have negative cash? There is a bug where you can get negative cash if you turn off capital asset ratio notifications (in which case it lets your bank continue to bleed cash without demanding a cash injection).

Report on this bug here:
viewtopic.php?t=9808

[Spac3y]

Im currently using the most up to date non experimental client.

This is not a one off. This happens in every game I run a bank. Has done since the DLC came out !

I have notifications turned on. It spikes hugely into negative cash. You will see this just by running the save game

My deposits are not bleeding as I pay more than all the competition for the deposits. Its the Loan ratio spikes to circal 115 %

https://www.dropbox.com/scl/fi/8eehmhn4 ... vfyf6&dl=0

Link for save game

[Stylesjl]

It is very hard to tell since the save game is from after the bank has run into negative cash but it looks like your deposit base looks very lopsided towards corporate (HQ) deposits.

Many of their deposits are very large chunks of cash, literally billions in one deposit and I suspect (but I can't verify) that when the deposit matures they suddenly pull out that very big bag of money out of your bank, leaving you without enough.

For example on November 26 2039 9 billion dollars is going to suddenly disappear from the bank when GlaxoSmithKline's deposit matures (there are a few other big deposits in the billions as well):

DepositRisk.png (75.15 KiB) Viewed 3934 times

Your total assets are around 125 billion, which means that suddenly more than 5% of the assets disappear with that big withdrawal alone. It might eventually come back when they make a new deposit, but it might not happen immediately.

I don't think there is an easy solution but some ideas to stop it:

- Reduce maximum loan to assets to 90% instead of 95% to give you a bigger cash buffer.
- Limit HQ Loans via the Threshold for Stopping Accepting of Corporate Deposits.
- Maybe also increase your loan risks as well, it looks like your bank is not very profitable overall (relative to it's asset base). You can use the profits of your other industries to cover the higher risk of default.

[cantdownloadit]

Yeah here is another example of banking moving money.. it was at the 80% target but then the bank randomly transferred 3 trillion back to the corporation making it 99% loans to assets ratio.

Image1.jpg (124.28 KiB) Viewed 3648 times

Also it would be nice to have a better way of adjusting those loan allocation, if i want for instance just to do AAA loans, it takes several minutes of cycling through minus on all the other options to do it

[anjali]

Yeah here is another example of banking moving money.. it was at the 80% target but then the bank randomly transferred 3 trillion back to the corporation making it 99% loans to assets ratio.

Also it would be nice to have a better way of adjusting those loan allocation, if i want for instance just to do AAA loans, it takes several minutes of cycling through minus on all the other options to do it

if it was payout from matured depoites then its not random and it was visible in the deposit HQ overview that on day x, x trillion gonna be paid out. sure it ll spike the LTA ratio as the assets dropped by a few billion. but it gonna level as no new loans will be handed out until the proper LTA has been reached

having a proper input for any kind of settings, i agree, would be super, its one of the things i did miss always in the game, but everything is only on sliders or + / - buttons, in the loan allocation overview seting a 100% to only 1 type of loans is easy and takes just a few seconds on the + button, any other allocation needs some planning how to set it correctly to get the correct setting puzzled together i.e. i got mainly 4% / 9% / 29%/ 29% / 29% allocation, to reach this i firstly set 1 to 100% then start to split if over by playing only with AAA and A +/- to keep 3-5 at same percentage. and high lending on bad credit rating because its the most profitable after all

[cantdownloadit]

it was just a fund transfer from the bank to the company.

i moved 20 trillion into the bank, the bank lent out 16.x trillion of it within a month which took it to the 80% asset ratio, then it moved the balance of 3.X trillion out of the bank back into the company, effectively leaving the bank with almost 100% of funds it holds loaned out

[David]

Yeah here is another example of banking moving money.. it was at the 80% target but then the bank randomly transferred 3 trillion back to the corporation making it 99% loans to assets ratio.

Image1.jpg

Also it would be nice to have a better way of adjusting those loan allocation, if i want for instance just to do AAA loans, it takes several minutes of cycling through minus on all the other options to do it

The bug has been fixed in the latest version 11.0.13 (viewtopic.php?p=43330#p43330)