List of free game software

. Main article: History of banking.
. has acquired Bank One Corp., making the combined 6/30/04 deposit total for the merged company $377 billion, vaulting it to second place on the list.
. Morgan Chase & Co. For freely available games without a public license, see List of freeware games. (1) Since this report, J.P.

Because the source code is available and modifications can be freely (re)distributed, most of these titles will run on many platforms. based global banks. All these titles are free software that are under a license such as the GNU General Public License or other similar licenses. This is not a ranking of the largest U.S. Free games are computer games assembled out of free software and open content. deposits only. http://xpilot.sf.net/. These are U.S.

XPilot-ng, a modern version of xpilot with high frame rate, polygons, and opengl support. As of June 30, 2004. http://www.xpilot.org/. The banks' main obstacles to increasing profits are existing regulatory burdens, new government regulation, and increasing competition from non-traditional financial institutions.
. XPilot, a multiplayer asteroids like game, one of the first multiplayer games with good gameplay. Banks make money from card products through interest payments and fees charged to consumers and companies that accept the cards. http://www.xevil.com/. However, with convenience there is also increased risk that consumers will mis-manage their financial resources and accumulate excessive debt.

XEvil, a 2D side scroller with an excessive amount of violence. These products make it easier for consumers to conveniently make transactions and smooth their consumption over time (in some countries with under-developed financial systems, it is still common to deal strictly in cash, including carrying suitcases filled with cash to purchase a home). Developed by Pumpkin Studios and released to the open source community in 2004. These products include debit cards, pre-paid cards, smart-cards, and credit cards. Warzone 2100, A RTS very different from the standard C&C or Starcraft approach. Third, they have sought to increase the methods of payment processing available to the general public and business clients. Wolfenstein: Enemy Territory is a freeware LAN and Internet multiplayer FPS. This dramatically helps to offset the losses from bad loans, lowers the price of loans to those who have better credit histories, and extends credit products to high risk customers who would have been denied credit under the previous system.

http://www.warsow.net/. Second, they have moved toward risk based pricing on loans, which means charging higher interest rates for those people who they deem more risky to default on loans. Warsow is a 3D fast-paced first person shooter based on the qfusion engine. Merging banking, investment, and insurance functions allows traditional banks to respond to increasing consumer demands for "one stop shopping" by enabling cross-selling of products (which, the banks hope, will also increase profitability). http://vegastrike.sourceforge.net/. First, this includes the Gramm-Leach-Bliley Act, which allows banks again to merge with investment and insurance houses. Vega Strike is a 3D space shooter/strategy game. In the past 10 years in the United States, banks have taken many measures to ensure that they remain profitable while responding to ever-changing market conditions.

http://ufo.myexp.de/. industries combined. UFO: Alien Invasion is a 3D, turn-based strategy game that pits humans against aliens. Now if Citigroup were to be as dominant in its industry as a Home Depot, Starbucks, or Wal Mart in their respective industries, with a 30 percent market share , it would make more money than the top ten non-banking U.S. Tyrant, a graphical Roguelike Java adventure game. For example, the largest bank, Citigroup, which for the past 3 years has made more profit than any other company in the world, has only a 5 percent market share. Tux Racer, a 3D OpenGL racing game starring the Linux mascot. This amount is even higher if one counts the credit divisions of companies like Ford, which are responsible for a large proportion of those company's profits.

Tile World is a clone of Chip's Challenge made by Brian Raiter. Large banks in the United States are some of the most profitable corporations, especially relative to the small market shares they have. TA Spring, A 3D RTS (strategy) game that currently uses content from the abandonware Total Annihilation or total conversion mods. Specific concerns are policies that permit banks to hold deposited funds for several days, policies that permit banks to apply withdrawals before deposits, policies that permit applying withdrawals from greatest to least, which is most likely to cause the greatest overdraft, policies that allow backdating funds transfers and fee assessments, and policies that authorize electronic funds transfers despite an overdraft. http://www.whitespaceunlimited.com/. Currently, many people are outraged due to various banking policies that take advantage of consumers. Stick Soldiers, also a side scrolling shooter. Jackson fought against the bank as a symbol of greed and profit-mongering, antithetical to the democratic ideals of the United States.

http://www.silkroadonline.net/. In United States history, the National Bank was a major political issue during the presidency of Andrew Jackson. Silk Road Online a free MMORPG, great graphics for its price. There is almost always a lender of last resort—in the event of a liquidity crisis (where short term obligations exceed short term assets) some element of government will step in to lend banks enough money to avoid bankruptcy. SuperTux classic 2D jump and run game. Another reason banks are thoroughly regulated is that ultimately, no government can allow the banking system to fail. StepMania simulates dance games, mainly Dance Dance Revolution. In addition, banks are usually required to purchase deposit insurance to make sure smaller investors are not wiped out in the event of a bank failure.

The Ur-Quan Masters is an open-source free port of Star_Control_II based on the source code and media files of the 3DO version of the game - http://sc2.sourceforge.net/. Major banks are subject to the Basel Capital Accord promulgated by the Bank for International Settlements. Spice Trade is an open source (LGPL), Java based adventure/rpg game that can be downloaded (with source code) from http://www.spicetrade.org/download.html. The amount of capital a bank is required to hold is a function of the amount and quality of its assets. It is written in Free Pascal. The combination of the instability of banks as well as their important facilitating role in the economy led to banking being thoroughly regulated. Smoothris is a tetris game, featuring vector graphics, smooth movements and rotations of the figure, sub-pixel accuracy and motion blur, all done with software rendering. Savings and Loan crisis in 1980s and early 1990s, the Japanese banking crisis during the 1990s, and the bank run that occurred during the Great Depression,and the recent liquidation by the central Bank of Nigeria.where about 25 banks were liquidated.

http://www.scorched3d.co.uk/. Prominent examples include the U.S. Available for both Microsoft Windows and Unix (Linux, FreeBSD, Mac OS X, Solaris etc.) operating systems. Banking crises have developed many times throughout history when one or more risks materialize for a banking sector as a whole. Scorched3D, a game based loosely (or actually quite heavily now) on the classic DOS game Scorched Earth. Risks include liquidity risk (the risk that many depositors will request withdrawals beyond available funds), credit risk (the risk that those that owe money to the bank will not repay), and interest rate risk (the risk that the bank will become unprofitable if rising interest rates force it to pay relatively more on its deposits than it receives on its loans), among others. Raptor is a space shoot-em-up game at http://raptorv2.sf.net. Banks are susceptible to many forms of risk which have triggered occasional systemic crises.

Home at http://www.projectxenocide.com. Even where the reserve ratio is not controlled by the government, a minimum figure will still be set by regulatory authorities as part of bank regulation. Project Xenocide - Game inspired by X-Com: UFO Defense (also known as UFO: Enemy Unknown), strategy game in which you take the seat of the commander of a secret organisation to fend off an Alien Invasion. Some governments (or their central banks) restrict the proportion of a bank's balance sheet that can be lent out, and use this as a tool for controlling the money supply. http://www.parallelrealities.co.uk/starfighter.php. This behaviour is called fractional-reserve banking and it is a central issue of monetary policy. Project: Starfighter - A two-dimensional, non-linear space shooter with an intricate plot. Bank reserves are typically kept in the form of a deposit with a central bank.

Pingus, a Lemmings clone with animated penguins. It must keep a certain proportion of its funds in reserve so that it can repay depositors who withdraw their deposits. http://seed7.sourceforge.net. However, it would not be prudent for a bank to lend out all of its balance sheet. Panic - A rewrite of the Apple_Panic game in the Seed7 programming language. The bank then lends out most of these funds to borrowers. Openglad is a port of the DOS Gauntlet-style game Gladiator at http://snowstorm.sf.net. A bank raises funds by attracting deposits, borrowing money in the inter-bank market, or issuing financial instruments in the money market or a capital market.

OpenArena is a First-person shooter based on the GPLed Quake 3 engine. They act as Lender of last resort in event of a crisis. Nexuiz is a highly polished multiplayer first person shooter available at http://www.nexuiz.com/. Central banks are non-commercial bodies or government agencies tasked with responsibility for controlling interest rates and money supply across the whole economy. NetHack is a popular free RPG available at http://www.nethack.org. In some jurisdictions retail and investment activities are, or have been, separated by law. Liquid War is a multiplayer wargame available at http://www.ufoot.org/liquidwar/. However, some are owned by government, or are non-profit making.

Lentilwars is a 2D "quasi-isometric" arcade shooter written in Free Pascal. Most banks are profit-making, private enterprises. KSokoban. Banks' activities can be characterised as retail banking, dealing direct with individuals and small businesses, and investment banking, relating to activities on the financial markets. Kolf. Although the type of services offered by a bank depends upon the type of bank and the country, services provided usually include:. KBounce. .

KAtomic. In recent history, with historically low interest rates a limited ability to earn money by lending deposited funds, much of a bank's income is provided by overdraft fees and riskier investments. KAsteroids. Traditionally, a bank generates profits from transaction fees on financial services and on the interest it charges for lending. Several games are included in KDE; for instance: