Bank and Financial Management

Business Simulation

The goal of Banking & Financial Management Simulation game is to facilitate understanding of the front and back-office operations of a bank, their interaction in a competitive environment, and to help cultivate holistic and fact-based management culture, develop analytical skills, and create awareness about the current banking operating environment.

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Case 1: Banking

Case 2: Financial Service

Used in

Training programs within the financial industry for both smaller and larger institutions and advanced courses at educational institutions. The banking simulation game offers a wealth of customization options for widest array of use cases and optimal implementation.

Participant tasks

The task for participating teams is to manage a bank with several front and back-office operations in a single geographical market. In the role of a bank manager, teams will be responsible for consumer and business clients, lending and borrowing, front office and back office, and customers with deposits, mortgages and other credit products and investments. They’ll have personnel to manage, IT systems to maintain and develop, risk metrics to keep in check, regulators to report to and capital markets to raise financing from, if they are pleased with the way the bank is managed.

Decision-making areas

Retail banking: mortgage and consumer loans, demand and fixed term deposits, service fees

SME banking: deposits, lending terms, competitive positioning

Corporate banking: advisory services

Investment services: three customer segments, marketing communications, portfolio management, securities brokerage

Investment products: investment funds, partnerships, structured products

Personnel: number of personnel, compensation policies, training, HR development

Systems: maintenance, development of products, services and processes

Risk management: internal policies, external reporting, interest rate risk

Treasury: credit and equity markets, solvency regulation, central bank, minimum reserves, treasury investments.

Key learning areas

Pricing of credit and deposit products. Balancing risks and the growth of the balance sheet. The division of bank funding sources into core deposits and managed liabilities. Understanding the bank income statement and balance sheet. The interaction between central bank and commercial banks. Bank specific solvency and liquidity measures and regulation according to international standards. Bank specific terminology and results presentation including many unique financial ratios. Uniqueness of money as the bank’s core product. Profitability of different customer segments and products. Understanding basic banking products and services and how they relate to each other.

Key success factors

Success is measured and benchmarked by both operational and financial key indicators including assets under management, deposit and credit product growth, bank image, risk metrics, credit rating, net interest margin, cost/income ratio, credit impairments, net profit margin, return on assets, return on equity etc. The ultimate indicator in the bank management simulation game is the total shareholder return p.a., which consolidates all the key success factors into one measurable criterion that can be used to compare the performance of each team.

Corporate and educational sector benefits

Complete and holistic view into the operations of a full-scale bank in a dynamic competitive environment

Bank specifics: income statement, balance sheet, ratios, regulations, central bank

Core stakeholder management: customers, personnel, government, shareholders.

Value drivers: financial performance, customer appreciation and loyalty, personnel loyalty, compliance to regulations, brand image

Risk management thinking: maturities, collateral, interest rate gaps, risk-weighted assets, classification of risks, controls, reporting, balance between risks and growth

Growth opportunities: identification, utilization of scarce resources, segmentation, upselling and cross-selling

Unparalleled teamwork simulation and problem-solving exercise

The simulation can be delivered in wide range of content configurations and allows for far reaching low-level customization to target optimal learning outcomes

The Banking & Financial Services Management Simulation is a robust platform for further development and tailoring for a wide range of training programs and goals.


Banking & Financial Services Management Simulation incorporates a new level of modularity allowing the instructors to suit it perfectly for their needs. At its most expansive form, the simulation will incorporate a decision-making process that is highly demanding, but it can also be configured to facilitate concentration on only the core bank operations.

The modules that can be customized are:

SME and Corporate banking

Private and Institutions segments

Investment services and/or products in any configuration

Systems & processes and Risk management from back-office operations

Currencies, naming schemes, results presentation formatting etc.

Available languages

English, Finnish, French, German, Hungarian, Italian, Mandarin Chinese, Russian, Turkish, Dutch.