Banking Simulation
Run a bankβs balance sheet. You decide who gets a loan, what you pay on deposits, and how much cash never leaves the vault.
β³ SoonThe Banking Dilemmas
The loop here is a balance sheet: the money you earn on is someone elseβs, and its timing is not yours to choose.
βοΈ Loan Volume vs Risk
More lending means more interest income β and every loan that does not come back comes straight out of your capital.
βοΈ Deposit Rate vs Cost
A high rate attracts deposits and squeezes the net interest margin. A low one sends them to a competitor.
βοΈ Liquidity vs Yield
Every unit you keep in the vault is safety that earns nothing. Lend it all out and the first panic ends you.
βοΈ Collateral vs Growth
Strict collateral cuts losses and stops the book growing. Loosen it and you grow β along with the risk.
βοΈ Dividends vs Capital
Paying out keeps shareholders happy; it thins the capital buffer that carries you through a bad year.