Day [384] Banks Implemented

After some testing a new Joint-Stock Company was implemented today in ProEconomica, the Bank. For ~ 1500 Gold + currency (based on your country) you can buy 10% of a newly opened Bank, except the price , administrative wise, everything works just like at the other Joint – Stock Companies.

Banks are straight forward, you can make deposits and get daily interest or take credits and pay a daily fee. You can find the bank options at Market > Stock Market  > Bank

ProEconomica BanksSo far the Banks are unrealistic and … well in my opinion a total failure, owners  can’t offer decent interest rates and that will make the deposit almost useless and pointless, if I make a deposit of 50.000 RON for 30 days I will get the amazing profit of 1.510 RON. The credits are even worst, the interest rate here has to be higher so that the banks can afford to pay higher interest rates for the deposit and of course the bank owners need earn some profit too. If I take a credit of 50.000 RON in 30 days I’ll have to pay 80.000 RON and that’s with a 2% interest rate. If you choose to take credits from a bank make sure you double-check the interest rate and wait at least a few days, at the moment there still are some bugs that need fixing.
If I were you I would stay away from credits and I would definitely NOT waste my money by investing in a bank.

 

2 Responses to Day [384] Banks Implemented

  1. Well that is how a bank works, you should check your local bank how they rate their deposits and loans…

    • admin says:

      The problem is they didn’t think about everything, bank owners can easily steal the money from the customers that make deposits and customers that take credits can scam the bank by just not having money on their account at 4:00 am or at whatever time the interest is charged. Proeconomica is not the first game that attempted to make a virtual bank, same thing was done in anno1777 and there the disaster was even bigger, owners were able to make hundreds of Euro because of similar bugs.
      The admins just announced that there will be some changes made, hopefully they’ll fix some of the bugs…

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