What is?

Simulator for the simulation of banks. Simulated banks generate profits by the difference between the interest rates charged for lending money and borrowing money, an operation known as a bank spread. Simulation banks collect money from cash deposits, Bank Certificate Deposits (CD), and savings. The money is provided to clients for individual loans, corporate loans, and real estate financing.

Banco - Moedas

Recommendation of Use

- Undergraduate and postgraduate courses related to the banking market

- Banks and companies linked to the financial system

Want to know more?

If you would like more information about the Banking Simulator and its application, please contact a Bernard expert right away.

We will elaborate a customized proposal for your need!

How it works?

The banking simulator reproduces conditions of operation of the main functional areas of a bank, such as product portfolio management (certificate of deposit, savings, loans, and financing), operational management (branches, marketing, information technology, and quality of service), human resources (hiring/dismissal, remuneration, and training policies, motivation, and productivity) and accounting and financial management (cash flow, investment in federal bonds, interbank and Central Bank loans).

Simulated banks are public corporations with stocks listed on the fictitious Stock Exchange. The stock values vary according to the banks’ performance and are also influenced by the simulated macroeconomic situation, which the simulation coordinator manipulates.

WebSimulator Features

Get to know the features of the WebSimulator, Bernard’s business simulation environment.

Support Material

Reference documents for simulator users. The coordinator can also add his own material.

English, Portuguese and Spanish

WebSimulator is available in different languages.

Grades Worksheet

Control of the performance of simulation participants.


History of accesses and actions in the WebSimulator, of each participant of the simulation.

Certificate of Participation

Issuance of certificates to participants.


Space for messages to all participants of the simulation.


Direct communication between coordinator and participants inside the simulator.


Scheduling and control of simulation activities.

Individual and Collective Access

Access by individual users or by the team.
Banking Simulator Features

Information on the Banking Business Simulator.

Customizable Scenarios

The simulation coordinator draws the economic scenario of each round, controlling several variables to define the level of complexity of the game. Therefore, each company game is unique, and the scenarios are numerous.

DSS and Investment Funds Modules

It is possible to expand the possibilities of the company game and use more simulator resources. The Decision Support System (DSS) is a tool to assist participants during the decision-making process. The Investment Funds Simulator, as its name implies, simulates the management of investment funds.


Users visualize and analyze the results of managerial simulation using macroeconomic and corporate charts. Indicators of the market, economy, and companies and their performance are presented.

Merger of Companies

The merger is the union of companies to form a new one, which will succeed them in all rights and obligations. In the simulation, the merger is treated in a simplified way, with the corporate adjustments being made through the exchange of shares between the companies involved.


The financial, market, operational, and macroeconomic reports are made available in the simulator. The information contained in them is essential and is used as the basis for the companies’ decision-making.