Loan Defaults AAA / A

[Freemarket]

Is it normal to generate so many losses on overdue loans with such a level of rating of the companies being credited?

[David]

We will investigate the problem.

Could you please provide us with your save game file and let us know the following?
1) Which version of Capitalism Lab you are using. You can see the version number on the top-right of the main menu.
2) If your savegame uses a MOD, please let us know the name of the MOD and the MOD's version number.

You can find save game files of Capitalism Lab from:
C:\Users\<your user name>\Documents\My Games\Capitalism Lab\SAVE

You may email the save game file to us at info@enlight.com.

If your save game file is too large for attachment, you may check out this post about how to send us large files: https://www.enlight.com/forum/viewtopic.php?f=13&t=2473

[Freemarket]

We will investigate the problem.

Could you please provide us with your save game file and let us know the following?
1) Which version of Capitalism Lab you are using. You can see the version number on the top-right of the main menu.
2) If your savegame uses a MOD, please let us know the name of the MOD and the MOD's version number.

You can find save game files of Capitalism Lab from:
C:\Users\<your user name>\Documents\My Games\Capitalism Lab\SAVE

You may email the save game file to us at info@enlight.com.

If your save game file is too large for attachment, you may check out this post about how to send us large files: https://www.enlight.com/forum/viewtopic.php?f=13&t=2473

CapLab Post-Release Beta V6.4.06, without mod, I sent save game by mail

[David]

The default rate is higher than normal because your game's "Economy’s Impact on Loan Defaults" setting is set to High and the economy is in depression.

For more info:
https://www.capitalismlab.com/banking-d ... -settings/

Economy’s Impact on Loan Defaults

It determines the economy’s impact on the loan default rate. When this is set to a higher value, loan defaults will soar at a higher rate during an economic downturn, leading to a potential liquidity crisis.

Therefore, this setting has a greater impact on the profitability of banks with large amounts of high-risk, high-interest loans.

If you find the risk/return trade-off of banks in your game is not in the range you prefer, you could adjust it using this setting.