Suggestions for banking capital requirement
Posted: Sun Mar 28, 2021 3:55 pm
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.
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.