|I'll trust you with my gold , it's not like you can steal it right ?
How do i open a bank ?
- Click on my companies tab .A list with all available companies will show up. Find the bank company in the list and click the OPEN tab , it will cost you 50 euro so make sure you have the money in your wallet. After opening the company we will need to name it, choose a logo, and make a description for it.
What do i need to get it rolling ?
- Now that we managed to create are own bank we’ll need to aquire a
"Bank means of production” (as tools) and some paper ( as raw material ). To do that we go to the GOODS tab then we select machines from the dropdown menu and finally choose " Bank means of production" , the currency will be deducted from your company wallet, to buy raw materials (paper) we will go to goods , raw materials tab and then we select paper , buy 50 sm should be enough for now.
We’ ve learned how to create the bank, how to aquire the tools and the
raw materials, all we need now is a worker to create deposit
certificates, current account certificates, credit certificates and
transfer forms ( i will detail on these later).
Our bank will start with one branch and one workplace if we want more
we will need to pay 1 extra euro for each workplace or branch we wish
What is a branch ?
Each country in anno is divided into regions ,
if you want your company to sell it’s goods into a certain area you will
need to open a branch there and it will cost you 1 euro each those
money need to be in your personal wallet not in your company wallet.
Back to our bank in order to begin granting loans or open current
account for people we will need those forms so the first thing we’ll do
is hire a worker .We will need to check the market salary in your
current region. To do that just click on the jobs tab :
Once there we notice that the highest salary in the area is 2.70 so we will offer 2.71 to get us at top of the list.
To open a new branch or a new workplace we will go to my companies tab, administration and then we select branches or workplace tab.
That was the easy part of this tutorial .
A bank uses paper as raw material. Based on the paper,
it produces deposit certificates, current account certificates, credit
certificates and transfer forms. Each product category is used to
provide a specific type of service. Without these items on stock, the bank cannot provide a specific type of service.
These certificates are made based on the means of production and on the workforce employed by the bank.
- Deposit certificates – For each deposit opened at a bank, a deposit
certificate is consumed. Without deposit certificates on stock, banks
cannot offer deposits
- Current account certificates – for each account opened at a bank, a
current account certificate is consumed. Without current account
certificates on stock, the banks cannot open current accounts.
- Credit Certificates – For each credit provided by the bank, a
credit certificate is consumed. Without credit certificates on stock,
banks cannot offer loans.
- Transfer Certificates – for each bank transfer, a transfer certificate is consumed. Without transfer certificates on stock, banks cannot make transfers.
In a bank, the depositors’ money coming from current accounts and deposits are kept in a special fund called the Loan Fund. The bank
manager DOES NOT have access to this fund so he cannot withdraw money
from the fund unless he previously invested in it his own money of the
bank. From this fund, money can be taken for payment of cash withdrawals
or loans. Also in this fund are paid all the money from deposits and
current accounts opened at the bank. The interests owed by the bank are paid from the company accounts. Also the interests and taxes are charged by the bank are also paid into the company accounts.
- Every day, banks pay interest for deposits and opened current accounts. Every day, interest is charged from those who have bank loans. Both interest earned and interest due are paid in the bank’s own accounts. If a bank
runs out of money for interest payments, then all affected accounts
will be closed, be it deposits or current accounts. Depositors’ money is
refunded from the bank’s lending fund whether the fund has money or
- If a player does not have money to pay daily interest, the money
will automatically be withdrawn and the player will no have anything in
his account. If the person who contracted the loan refuses to play
anymore, and the account is closed for inactivity, the state budget
will bear the negative balance. This is the reason why we said earlier
that all loans are guaranteed by the government.
- Anyone can contact a credit if he worked at least five days. .
- The maximum credit that can be contracted is calculated using the
formula Credit = Revenue * Indicator, where Credit = maximum credit
that can be contracted, Revenue = revenue from WORK performed during
the last N days, where N is the number of days by which the credit will
be contracted, Indicator = maximum degree of indebtedness established
by the government. The maximum degree of indebtedness represents a
fixed percentage established by each individual government. It can vary
between 10% and 1000%.
- Here is an example. In the last 10 days, player A had an income
from work of 400 RON. The Indebtedness degree established by the
government is 300%. The player will be able to access a loan of 1,200
RON for the next 10 days. There is also a governmental indicator which
indicates the maximum credit that can be taken. Suppose the maximum
threshold is 1,000 RON. In the above example, the player may only take
- To contact a bank loan, go to page bank and review the offer.
- Any bank can set an interest rate and the period
for which the loan is granted. Banks can set up maximum five types of
loans. You can contact only the maximum loan allowed. Intermediate
values are not accepted. After contracting, the interest will be
deducted automatically from the bank every day. Even if you have money in the account, the bank will automatically withdraw money. On due date, the bank will automatically withdraw the value of the loan.
- When contracting the loan, money is taken from the bank’s lending
fund. But interest payment is made on the bank’s own accounts. The
lending fund also collects the money returned at the end.
Bank accounts are bank instruments through which you
can have immediate access to money. You can open a current account from
the bank’s presentation page. After opening a current account at a bank
from the game, you can immediately start depositing, withdrawing or
transferring money. Note that each type of operation is charged by the
bank. You can see a list of bank accounts owned on
page Accounting / Financial Assets / Accounts & Loans. Also on this
page you can submit / withdraw / liquidate or transfer money. Click
the button Extract and you will have access to the list of transactions
made with that account.
Unlike current accounts, bank deposits have a
pre-established validity period. During this period you have NO access
to money from the deposit. The money will be automatically refunded
with interest at the due date. You can open a deposit directly from the
bank presentation page. After opening, you can see
information regarding the deposit on page Accounting / Financial Assets
/ Accounts & Deposits. The interest is paid by the bank daily directly into the deposit account.
You can send money from a current account in any other account opened
in the same currency. You CANNOT transfer the money of owners or
slaves. Also you cannot transfer money if you have a contracted loan.
To transfer money go to page Financial Assets / Accounts & Loans,
choose the account from which you want to make the transfer, click the
Transfer button and fill out all information carefully. Transfers are
Fees and commissions
Banks can establish their own fees and commissions. It is advisable to
carefully check these fees before contracting loans or making bank transfers. The bank offers and collects interest for current accounts and deposits. The bank collects fees for the following transactions:
- Cash deposits in current accounts.
- Withdrawals from current accounts
- Transfer of money from one bank account to another