[Implemented] Treasures and Banks

[Captain Jack]

Since the Bank Review system will not make version 1.0, everyone can freely review a bank in the Tavern. It is a perfectly fine place to talk about the Bank. All sort of roleplay will be allowed as long as it keeps away personal harassment (some limited roleplayed flaming in the style of: This bank is run by thieves that will try to rob you at every possible case, is allowed).

Bank approvals/bans/freeze/unfreeze nation voting decisions will require 24 hours instead of 72h.

[Mr. Rothschild]

As for the Bank listing page. What determines the order they are listed?

[Diplomatist]

As for the Bank listing page. What determines the order they are listed?

It would be useful to be able to do a 'Rankings' based on the amount of capital each holds or number of depositors.

[Captain Jack]

There will be a ranking formula, which we will publish. Till then, we are sorting them in an easy way, which we will not announce.

[Captain Jack]

~Bank Loans - Full details~

^Feature Description
-Bankers are now (well,technically, not yet) able to issue loans to anyone.
-Anyone may apply for a bank loan.
-Mutual consent is required for a loan to be begin.

^Loan Non Configurable Variables
-All loans use Avonmoran dates.
-Max installment cycle: 30 days-
-Minimum loan duration: 7 days
-Maximum loan duration: 730 days
-Minimum total interest (Equal to total interest for 7 days)

^Loan Configurable Variables
-Amount
Loans are placed directly on the bank account once approved.
->If the account maximum limit is lower than 20M, then the maximum loan that can be given is 20M (This is the maximum amount that the account can also have. So for example, if the bank is level 1, then the max limit right now is 2.5M. If there are already 2.5M in the bank account, then the player can receive up to 17.5 more).
->If the account maximum limit is higher than 20M, then the maximum loan that can be given is the account limit itself (ie, a lvl 20 bank at current metrics will be able to issue up to 100M in a loan).
-This amount may be given up to 3 times (300M in total for a bank lvl 20 at current metrics) as any player may have up to 3 active loans with a bank at any given time.

-Duration
The most important factor of a loan, is perhaps duration. Duration affects everything. Ponder this variable carefully.

-Interest Rate (per month,charged daily)

-Compound Interest Rate (It is activated only when an installment has not been paid in time)
This only applies when an installment has not been paid on time and as long as the installment due remains unpaid.
It is additive to the interest rate.

-Installment cycles (days)

-Payment to Capital Percentage
This defines how much of each payment repays capital. The rest repays interests. The higher this percentage, the better the loan deal for long term loans.

-Nation Participation percentage



When?
-Soon.

[Trixikilikili]

If I may make a small suggestion.. Can we please have a feature where we can see a list of our deposits in different banks? I'm imagining a balance column right beside the list of avonmora banks, then perhaps a deposit/withdraw button right next to it. Thanks!

[TheLoveTiger]

If I may make a small suggestion.. Can we please have a feature where we can see a list of our deposits in different banks? I'm imagining a balance column right beside the list of avonmora banks, then perhaps a deposit/withdraw button right next to it. Thanks!

+1 if this is possible it would be great. Saves me a lot of notes.

[Mr. Rothschild]

If I may make a small suggestion.. Can we please have a feature where we can see a list of our deposits in different banks? I'm imagining a balance column right beside the list of avonmora banks, then perhaps a deposit/withdraw button right next to it. Thanks!

+1, this would be very practical.

[Most Lee Harmless]

If I may make a small suggestion.. Can we please have a feature where we can see a list of our deposits in different banks? I'm imagining a balance column right beside the list of avonmora banks, then perhaps a deposit/withdraw button right next to it. Thanks!

Very good suggestion : fully support it.

[TheLoveTiger]

Also possibly a message button to all members with an account in your bank could come handy at times too. Not a necessity but something that could be useful.