Suggestions for banking capital requirement

[NTCLANNAD]

As a banking investor, I really like this DLC.
In order to make capital requirement more realistic and user frendly. Would you consider making changes such as

1. Add an UI to bank HQ for the player to set an adjustable amount of bank profit as retained profit which can be treated as bank capital. I think letting the bank to automatically retain 30%-50% of its net profit will make the bank self-sufficient without the need to seek parent company funding. This could greatly reduce the micromanagement required for capital.

2. May allow the bank or the parent to issue preferred share ( can be treated as bank capital) with no maturity but high interest rate. This will permanently reduce the capital required and boost profit. Also, the insurance company should be allowed to buy these preferred shares to boost income.

3. allow banks to also buy bonds to further boost income. In real life, banks are also major player in bond market.

[mdemircan2]

merhaba david,
Bu dlc çok iyi ama daha fazla geliştirilebilir:
1-Banka yönetmek aslında aktif-pasif yönetimidir. bu nedenle bankanın bilanço ve gelir gider tablosun da ki başlıklar genişletilmeli
2-Banka tahvil piyasasın da daha aktif olmalı
3-Ana şirket olarak değil, banka olarak da tahvil üretebilmeliyiz

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This dlc is very good but can be improved more:
1-Managing a bank is actually asset-liability management.
Therefore, the headings in the bank's balance sheet and income statement should be expanded.
2-The bank should be more active in the bond market
3- It should be able to produce bonds as a bank, not as a parent company.

[buells]

Yeah, it is really annoying having the bank build up a ton of equity over time. However, the risk adjusted returns on what is essentially a passive investment into a well established bank are probably too good right now. Right now it is still attractive to just let your bank's equity position grow because the income is steady and usually compares favorably to alternative investments available later in the game.