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Grendell
Technologies Unlimited
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Posted - 2009.03.25 20:58:00 -
[1]
Edited by: Grendell on 25/03/2009 20:58:44
EVE Banking Institutions Public Trust Poll
As many are aware, trust is probably the rarest commodity in the world of eve-online. Out of personal curiosity I was wondering how you MD readers rate the trustworthiness of our 3 main banking institutions in eve.
1.EVE-Bank 2.BMBE 3.Dynasty Bank
So simply put for each of these 3 institutions give them a rating out of 10 and a brief explanation as to why you feel that way.
0/10 = You wouldn't trust them with your ibis. 10/10 = You would trust them with your child/drunk and horny wife.
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SencneS
Amarr Rebellion Against Big Irreversible Dinks
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Posted - 2009.03.25 21:12:00 -
[2]
EBANK 9/10 - Even though I'm a Director of EBANK, the possibility that the tellers could all band together and absconder multi billions of ISK all at once is a part of the RISK. That and have almost 2,000,000,000,000.00 ISK is what makes the trust go down just a little. Why do we need more if we already have two trillion etc. When it was smaller say 500-750b the trust would be 10/10 for me personally. That said I do entrust EBANK with my billions.
BMBE 5/10 - While the CEO has been in the game for so long I just get the impression his has lost his passion for the game. When you lose passion things start to slip though the cracks. Eventually everything gets hit at once and you give up, walk away with the lot and not care any more. I'd trust BMBE more if it more active rather then just a.. "Hey we offer loans" when someone is asking for one.
DBANK 8/10 - That's with the recent multi billions stolen. That's what makes this one higher, they hung in there and did what was right for everyone. The reason it's not 9/10 or 10/10 is because of the interest rates to be honest. Why are they still trying to capture EVERY spare ISK temping us with high returns. They have so much in the way of commitments that I fear one day the fire of passion will die out as the CEO is just over worked meeting liabilities. Although I haven't seen that happen yet, that is also the main reason it's as high as it is. They run and do what is right for the customer even against hard times. Thats the type of love and passion you can bank on.
Amarr for Life |
Ji Sama
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Posted - 2009.03.25 21:18:00 -
[3]
1.EVE-Bank 9/10 2.BMBE 2/10 3.Dynasty Bank 3/10
"the majority of men has been dealt cards to a game they do not know how to play" |
Aniel Zaar
Gallente Light of Orion
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Posted - 2009.03.25 21:26:00 -
[4]
1. 7/10 - I feel there is a point when a bank gets too big for it's own good. EBank is very close to that point, if not past it. 2. 10/10 - BMBE is the longest running financial operation in EVE. Personally, I don't see that changing. 3. 9/10 - DBank was hit hard, and it survived the multi-billion scam. Scams/losses are an integral part of any financial institution, and ability to handle them is, in my opinion, more valued then boasting that you have never been scammed as a bank/loaner. Not 10/10 only because I think scams that big shouldn't happen in the first place, as investments should be more diversified. *-*^-^*-*^-^*-*^-^*-*^-^*-*^-^*-*^-^*-*^-^*-*^-^*-*^-^*-*^-^ By the way, I am an Ishtar and T2 sentries fan. Fight to make the sentry damage rig work for all drones. |
cosmoray
Cosmoray Construction
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Posted - 2009.03.25 23:21:00 -
[5]
What is the point of this pole.
If you put your money in EBANK or Dbank you trust them.
BMBE is a loan operation. You provide collateral they provide loans, not much to trust?
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TornSoul
BIG Libertas Fidelitas
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Posted - 2009.03.25 23:41:00 -
[6]
Add the danger of derailing this... But can't leave it standing "uncontested"
Originally by: SencneS While the CEO has been in the game for so long I just get the impression his has lost his passion for the game.
The passion is unwavering. My forum presence (posting) is however greatly deminished. (I do however read endlessly ) Can't really fault people if they equate that to less passion - But not everything that moves, moves on the forums
Originally by: SencneS
When you lose passion things start to slip though the cracks. Eventually everything gets hit at once and you give up, walk away with the lot and not care any more.
I'll pretend to not being offended... I simply couldnt do that and ever face myself in the mirror.
Originally by: cosmoray BMBE is a loan operation. You provide collateral they provide loans, not much to trust?
Good point
BIG Lottery |
Grendell
Technologies Unlimited
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Posted - 2009.03.26 00:19:00 -
[7]
Edited by: Grendell on 26/03/2009 00:20:10
Originally by: cosmoray What is the point of this pole.
Originally by: grendell
Out of personal curiosity
Originally by: cosmoray
If you put your money in EBANK or Dbank you trust them.
Well there is a difference in entrusting somebody or an entity with 1m isk or 10b of your own isk
Originally by: cosmoray
BMBE is a loan operation. You provide collateral they provide loans, not much to trust?
Well dont forget when you get a loan your collateral is always worth more then your loan amount. So what's stopping any of these entities from simply saying "Thanks for the discount on your stuff, time to go sell it for a profit".
All in all I was looing to find out just to what extent you fellow MD readers trust these entities purely out of curiosity.
I'm sure any of these entities would be just as curious as I am, as to how they are viewed on a scale of trust in the public eye, not just in theri statistics.
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Kwint Sommer
Caldari XERCORE
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Posted - 2009.03.26 01:10:00 -
[8]
Originally by: Grendell
Well dont forget when you get a loan your collateral is always worth more then your loan amount. So what's stopping any of these entities from simply saying "Thanks for the discount on your stuff, time to go sell it for a profit"
First off, I've had loans from 0 to ~80% collateral. It pays to have a good credit.
Anyways, what's stopping someone like EBANK (by far the largest holder of private securities) from running off with them is a key word that you yourself said though apparently didn't grasp the significance of, time.
I've seen you around the sell forum, surely you have an appreciation for how much work it takes to get a decent price for mods. Now, consider that EBANK has over a hundreds of billion in securities scattered across empire space and beyond. Getting those sold is a brutally boring and time consuming process. Sure, some of those securities were obtained below market value but some were also taken above market value and when you factor in the rediculous amount of time it would take, it there's little incentive.
Why spend hour after hour rounding up and selling random crap when you could make just as much, if not more, by carefully managing the bank's assets? Honestly, what's more profitable, 5% on 100B or 5% on 2T? Plus, one of those ways can be repeated month after month.
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Armoured C
Gallente Armoured Investments
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Posted - 2009.03.26 01:18:00 -
[9]
BMBE =
who are these guys
never even heard of them =/
i trust both banks at a nice 6/10 atm apart from the one above i though eve only had 2 banks.
join from 10,000 isk per share
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Viper ShizzIe
The Illuminati. Pandemic Legion
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Posted - 2009.03.26 01:25:00 -
[10]
0/10 0/10 0/10
All of them will be scams eventually.
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SencneS
Amarr Rebellion Against Big Irreversible Dinks
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Posted - 2009.03.26 02:23:00 -
[11]
Originally by: TornSoul Add the danger of derailing this... But can't leave it standing "uncontested"
Originally by: SencneS While the CEO has been in the game for so long I just get the impression his has lost his passion for the game.
The passion is unwavering. My forum presence (posting) is however greatly deminished. (I do however read endlessly ) Can't really fault people if they equate that to less passion - But not everything that moves, moves on the forums
Originally by: SencneS
When you lose passion things start to slip though the cracks. Eventually everything gets hit at once and you give up, walk away with the lot and not care any more.
I'll pretend to not being offended... I simply couldnt do that and ever face myself in the mirror.
Originally by: cosmoray BMBE is a loan operation. You provide collateral they provide loans, not much to trust?
Good point
You're requirement to reply in defense has raised you from 5/10 to 7/10 in my eyes. And yes, the lack of presence on these forums is what I am basing my opinion on in terms of "Passion" for the game.
We hardly see you around here any more, although I can't blame you, since the invasion of the trolls and stupidity these forums are not what they once where.
Amarr for Life |
Kitchie
Gallente Kitchie's Logistics and Marketing Corp
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Posted - 2009.03.26 02:48:00 -
[12]
Originally by: Viper ****zIe 0/10 0/10 0/10
All of them will be scams eventually.
I don't know BMBE so I can't comment on that but I am certain that neither DBANK nor EBANK will become a scam.
The question is what would happen if either bank's driving force was hit by a RL juggernaut (Manalapan & Ricdic)? Could the banks survive without their respective leaders or would they have to be wound up?
As things stand at the moment, EBANK appears to have a better division of responsibility than DBANK. Thus I would think that EBANK would be more likely to survive the loss of Ricdic than DBANK would the loss of Manalapan.
So although I think that both banks are trustworthy, I would give a slightly higher rating to EBANK for its likely ability to survive such a crisis.
Kitchie DBANK Trader
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Benedic
The Aftermath
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Posted - 2009.03.26 02:50:00 -
[13]
Originally by: Viper ****zIe 0/10 0/10 0/10
All of them will be scams eventually.
Confirmed.
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Grendell
Technologies Unlimited
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Posted - 2009.03.26 03:07:00 -
[14]
Originally by: Kwint Sommer Edited by: Kwint Sommer on 26/03/2009 02:13:33
Originally by: Grendell
Well dont forget when you get a loan your collateral is always worth more then your loan amount. So what's stopping any of these entities from simply saying "Thanks for the discount on your stuff, time to go sell it for a profit"
First off, I've had loans from 0 to ~80% collateral, I've never given full value and certainly nothing beyond it. It pays to have a good credit rating.
Anyways, what's stopping someone like EBANK (by far the largest holder of private securities) from running off with them is a key word that you yourself said though apparently didn't grasp the significance of, time.
I've seen you around the sell forum, surely you have an appreciation for how much work it takes to get a decent price for mods. Now, consider that EBANK has over a hundred billion in securities scattered across empire space and beyond. Getting those sold is a brutally boring and time consuming process. Sure, some of those securities were obtained below market value but some were also taken above market value and when you factor in the rediculous amount of time it would take, there's very little incentive.
Why spend hour after hour rounding up and selling random crap when you could make just as much, if not more, by carefully managing the bank's assets? Honestly, what's more profitable, 20% on 100B or 5% on 2T? Plus, one of those ways can be repeated month after month.
I think you misunderstood me Kwint, I had mean no negative opinions towards any of those entites. Persoanlly, especially with EBANK I trust them completely, I have perosnally had them hold well over 200b+ isk worth of my assets.
I did say yes there is nothing in reality (Mechanics/CCP/etc) stopping any of those entities from running off with the isk/assets, because there really isnt anything. But I do agree it IS in their best interest to keep the reputation of trust as it in the long run will be more profitable.
Hope you know what I mean
PS I've had a loan with each of those entities at one point or another, with no problems from any of them.
<3 Grendell
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Ricdics
Tleilex Developments Dara Cothrom
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Posted - 2009.03.26 05:30:00 -
[15]
I would be biased if I gave numbers so the most I will say is that I rank all the listed institutions above a 6. |
Mr Horizontal
Gallente KIA Corp KIA Alliance
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Posted - 2009.03.26 08:58:00 -
[16]
EBANK: 9/10 While it's a bit silly for me to do so, I echo Senc's sentiments above. Plus it's purely impossible for any Secondary Market organisation to be 100% trustworthy. That said, EBANK has 27b of my ISK, so I put my money where my mouth is.
BMBE: 7/10 (Even though Ray isn't really involved any more, and TS being a lazy tard at times, the BIG set of corps is still very trustworthy) - I have no problems investing (BMBE's quite good because it's quite a volatile stock), and no problems taking out a loan if their damned terms suited me.
Dynasty: 3/10 (They need to spread the ISK away from Manalaplan still and show more maturity and openness) - I used to max my deposits every month and get a CD out every month. However since the rate change, I've not taken out any new CD's and waited till they've matured. Only 1 more left and I'll have 0 ISK in there.
I think alongside a trust score, I'd like to see a usefulness / flexibility score for their services too:
EBANK 9/10 (until I release v2.0 it's only 9/10 and not 10/10 - I will happily gloat that EBANK stands for working for players, not for itself, and it's raison d'etre is to be genuinely useful to all players across all our services)
BMBE 2/10 (100% collateral loans just don't suit many people, flexibility is what makes EBANK good and why debtors come to us for loans over BMBE)
Dynasty 6/10 (taking a lot of advice from EBANK, and they do put a HUGE amount of effort in. That said, their high RoL works against them, and simply put they just can't offer the deals EBANK can provide)
Director | www.eve-bank.net |
Astorothe
Aperture Science Industries
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Posted - 2009.03.26 11:25:00 -
[17]
Trust being a matter of opinion and experience, I can only comment on E-Bank as a customer that I have never had a problem and to date, would rank my trust of them at a healthy 9/10.
RPGN Gaming News | News, events and reviews on the best MMOs, RPGs and addictive games | RPGN.net |
Rellik B00n
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Posted - 2009.03.26 12:03:00 -
[18]
Originally by: Viper ****zIe 0/10 0/10 0/10
All of them will be scams eventually.
Got to agree with this.
While Ive been flicking through and occasionally commenting in posts here since it was "at the bottom" I do have a certain amount of respect for the opinions of certain members of the banking community.
However the bottom line remains the same, in EvE the only person i trust with my ISK is me.
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