Banks

A bank is operated by three students that register at the teacher before the beginning of the game. These students are members of top management of a bank whose stocks are not (in comparison to production businesses) publicly traded.

During the run of the game, bankers perform strategic decisions on the basis of their mutual agreement and at the same time, they provide normal operations of the bank (i.e. dealing with businesses, creation of loan offers, processing reports and creation of market development predictions). The bankers make efforts to fulfil their “business plans” – goals established by foreign owners of the bank, and to improve their own property. As members of top management, the bankers are rewarded according to the profit of the bank.

Active operations of banks focus on provisions of investment and bridging loans to production businesses. By means of investment loans, they significantly participate in financing investment activities of production businesses; bridging loans serve to provide liquidity to the production businesses.

Passive operations of banks focus on provisions of a sufficient amount of resources for financial activities of the bank. From their own resources, the banks can traditionally use their own capital or re-invested profit. One of the most important external resources are deposits from the bank clients (the public). The behaviour of the public is simulated by means of a computer model whose principles are described elsewhere. Other external resources that banks can use as loans are from the Central Bank represented by a member of the consulting group of the teacher, or loans from other banks.

Furthermore, banks also make predictions of the stock development together with long-term recommendations for index certificates and they can trade on the stock exchange. The assessment takes place in the final stage of the game. Bankers are assessed according to how they improved their property in comparison to other bankers.