Suggestions on adding in DLC of Banking and Finance DLC

[Hendcap]

As I think on the game,would like to consider to adding some digital bank concept,as a bank without any physical branch,as all was one included in digital mode,do that's was able.

[Stylesjl]

I do like this idea, I think that at least some portion of the Deposits/Loans should be digitally based. Perhaps this could be simulated realistically by having this portion start off small at first but gradually grow in importance over time as physical branches become less and less important.

Somewhat like how it currently works with the Media Companies in that you can adjust the difficulty settings so that over time the market share of media companies declines.

Of course this might cause some balancing issues in that there will be less importance in having lots of branches.

[mdemircan2]

Some Advices From 5 Bank Managers

Hi David,
I played Capitalizm Lab Banking DLC ​​with 5 bank managers. They liked the Banking DLC, but saw some shortcomings; I wrote below:
A- The types of loans to be given by the bank should be diversified;
for example: 1-home loan, 2-commercial building loan, 3-educational loan,
4-Credit to companies: The bank should be able to adjust the percentage loan that is given to sectors.
For example 15% for Home accessories, 20% for textile, and 65% of the total deposit for the automotive sector.

B-There must be Sectoral Concentration:
The bank should distribute the loans to be given according to a certain percentage according to the loan types.
For example, 10% of the loans to be given by the bank as housing loans, 5% as education loans, 25% as commercial building loans,
It should be able to plan to give 5% of the loan to companies in the automotive sector.

C- The income sources of the bank should be diversified.
Currently, the bank only has income from interest.
example of income of the bank: interest income, income from banking transactions: EFT, account management fee etc...

D-Following the equivalence of the maturity of the deposits collected by the bank and the maturity of the loans to be given as a performance indicator.
For example,Does the bank use the deposit that has been collected with 1-year maturity to give a 1-year matured loan?
Or does it uses the deposit that has been collected with 1-year maturity to give a 3-year matured loan?
That's a significant issue.

[mdemircan2]

Suggestion - Should financial ratios integrated into Cap Lab?

Please participate in the survey.

viewtopic.php?t=9437

[Stylesjl]

Some Advices From 5 Bank Managers

Hi David,
I played Capitalizm Lab Banking DLC ​​with 5 bank managers. They liked the Banking DLC, but saw some shortcomings; I wrote below:
A- The types of loans to be given by the bank should be diversified;
for example: 1-home loan, 2-commercial building loan, 3-educational loan,
4-Credit to companies: The bank should be able to adjust the percentage loan that is given to sectors.
For example 15% for Home accessories, 20% for textile, and 65% of the total deposit for the automotive sector.

B-There must be Sectoral Concentration:
The bank should distribute the loans to be given according to a certain percentage according to the loan types.
For example, 10% of the loans to be given by the bank as housing loans, 5% as education loans, 25% as commercial building loans,
It should be able to plan to give 5% of the loan to companies in the automotive sector.

C- The income sources of the bank should be diversified.
Currently, the bank only has income from interest.
example of income of the bank: interest income, income from banking transactions: EFT, account management fee etc...

D-Following the equivalence of the maturity of the deposits collected by the bank and the maturity of the loans to be given as a performance indicator.
For example,Does the bank use the deposit that has been collected with 1-year maturity to give a 1-year matured loan?
Or does it uses the deposit that has been collected with 1-year maturity to give a 3-year matured loan?
That's a significant issue.

The main issue I have with all of this is how this would work from a gameplay perspective. It seems like it is adding unnecessary complexity.

For example what would be the gameplay benefit of adding transaction fees, EFT payments, etc? Would it maybe depend on the number of retail stores in the game, could the player compete with other banks for the lowest transaction fees to be paid for by other retailers?

Same issues with stuff like Home/Commercial/Education Loans - right now one can assume that loans in general cover all these categories but what gameplay difference would it make to differentiate them? Could we offer distinct interest rates for these categories?

Likewise the game also allows deposits with different maturity levels but it doesn't really allow you to control these deposits. Maybe adding a feature that allows the interest rates to be changed for deposit terms could add some interesting way to manipulate the level of profit vs stability of the bank.

[mdemircan2]

Some Advices From 5 Bank Managers

Hi David,
I played Capitalizm Lab Banking DLC ​​with 5 bank managers. They liked the Banking DLC, but saw some shortcomings; I wrote below:
A- The types of loans to be given by the bank should be diversified;
for example: 1-home loan, 2-commercial building loan, 3-educational loan,
4-Credit to companies: The bank should be able to adjust the percentage loan that is given to sectors.
For example 15% for Home accessories, 20% for textile, and 65% of the total deposit for the automotive sector.

B-There must be Sectoral Concentration:
The bank should distribute the loans to be given according to a certain percentage according to the loan types.
For example, 10% of the loans to be given by the bank as housing loans, 5% as education loans, 25% as commercial building loans,
It should be able to plan to give 5% of the loan to companies in the automotive sector.

C- The income sources of the bank should be diversified.
Currently, the bank only has income from interest.
example of income of the bank: interest income, income from banking transactions: EFT, account management fee etc...

D-Following the equivalence of the maturity of the deposits collected by the bank and the maturity of the loans to be given as a performance indicator.
For example,Does the bank use the deposit that has been collected with 1-year maturity to give a 1-year matured loan?
Or does it uses the deposit that has been collected with 1-year maturity to give a 3-year matured loan?
That's a significant issue.

The main issue I have with all of this is how this would work from a gameplay perspective. It seems like it is adding unnecessary complexity.

For example what would be the gameplay benefit of adding transaction fees, EFT payments, etc? Would it maybe depend on the number of retail stores in the game, could the player compete with other banks for the lowest transaction fees to be paid for by other retailers?

Same issues with stuff like Home/Commercial/Education Loans - right now one can assume that loans in general cover all these categories but what gameplay difference would it make to differentiate them? Could we offer distinct interest rates for these categories?

Likewise the game also allows deposits with different maturity levels but it doesn't really allow you to control these deposits. Maybe adding a feature that allows the interest rates to be changed for deposit terms could add some interesting way to manipulate the level of profit vs stability of the bank.

Hi there, Capitalism Lab goes beyond being a simple game; it's a robust simulation... I leverage Capitalism Lab to train professionals... I believe Capitalism Lab should have strong connections to practical business applications... Ratio analysis is a crucial indicator, and the insights derived from this analysis are paramount when evaluating a company or contemplating a merger or acquisition... This type of analysis is fundamental in both fundamental and financial assessments carried out before investing in a company's stock on the stock exchange.

[cantdownloadit]

For me its a game first more than anything else.

Its not particularly realistic in many ways.. not least that the amount factories produce depends on the sale value of the item made not the resources used etc. Or the behaviour of directors who will happily sell there whole company, or if you hire a CEO they will immediately dump the stocks they own to buy those in the company they are a CEO of, regardless of what a good deal it is.

If this game was just a banking and finance game, then sure maybe add in all the extra detail, but as banking is just something bolted on later it goes way beyond in my opinion.

Also as you say this is the point of view of bank managers, as the boss I employ people to make those decisions for me. A good CEO doesn't try and monitor all those things themselves, they wouldn't be able to, their job is to make sure they have the experts employed who can do that.

[David]

For me its a game first more than anything else.

It is always a game first. If it is boring, no matter now realistic it is, no one will want to play it.

[mdemircan2]

For me its a game first more than anything else.

It is always a game first. If it is boring, no matter now realistic it is, no one will want to play it.

Hi David,
I don't think Capitalism Lab is a game for everyone; business management simulations are a niche area. It's impossible for this game to be boring for those people. A game that produces Excel outputs can't be boring.
As Capitalism Lab's operations get closer to the real world, it will be easier to market.