Turn 3: Rebalancing the Bank

In the third turn, the focus shifts from growth to balance.  The bank does not add new loans, but instead improves its funding by bringing in additional deposits.

This helps stabilize liquidity, which rises to about 50%, and reduces reliance on borrowing.  Funding costs also come down, helping net income improve further to negative $12.  Capital stabilizes, and the overall structure of the balance sheet becomes more balanced.

The bank has experienced strong growth and is now seeing the impacts of those decisions—giving you the opportunity to decide what needs to be managed going forward.