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.
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.
Information on the Banking Business Simulator.
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.