Bank of Skyrim by JBSchroeds
Skyrim » Mercantiles (shops, stores, inns, taverns, etc)
Added: 01/06/2012 - 03:37AM
Updated: 10/11/2013 - 02:09AM

2,557 Endorsements

2.05 Latest version

41,650 Unique D/Ls

63,415 Total D/Ls

243,739 Total Views

Uploaded by JBSchroeds


Last updated at 2:09, 10 Nov 2013 Uploaded at 3:37, 1 Jun 2012

--Bank of Skyrim--
Welcome to the Bank of Skyrim. Here you may invest in the local economy, take out a loan, or turn your gold coins into bank notes.

You may make investments at three different risk levels, choosing a different time period and investment level for each. You will make a variable amount of interest each day, depending on risk level. The investments are like real-world CDs where you are subjected to a penalty for early withdrawal. Also, your investments will give merchants across Skyrim access to more working capital (a.k.a. more gold on hand). The more you invest, the more gold they will have on hand.

You may take out a 30 day loan. The size loan available is based on your character level. If you happen to default on the loan your investments will be seized in an attempt to pay back the loan.

Bankers in the major holds (Whiterun, Solitude, Riften, and Windhelm) spend their days at a table in their respective hold's palace and the smaller hold bankers hang out in the Jarl's longhouse. During the evening these bankers hang out at the local inn. The Markarth Banker spends all her time at the Treasury House.

Bankers in the major holds have a book at their table that goes into more detail on each of these features.

--Upgrading From Old Versions--
This mod has had a complete overhaul. If you have been using a version before 2.0, before updating make sure to cash any notes or investments. The code structure is completely different and v1.x is NOT compatible with v2.x

--Future Additions--
I plan on adding a "collection agency" feature for when you default on the loan. Mercenaries will be sent to track you down and will take all your gold. If, after a certain period, you still haven't paid off the loan you will be reported as a criminal to all the holds. At this point I have no idea how to implement any of this, so don't expect an update any time soon.

--Known Issues--
Some users have reported a bug where they start a new game with this mod enabled. For some reason they aren't situated on the cart properly and the starting sequence doesn't initiate. I have tried to replicate this problem myself many times with no luck. I also have no idea why this would happen: this mod doesn't touch carts, any existing quests or actors, or any of the Helgen cells. But, just be safe, you should probably disable this mod temporarily whenever you start a new game.

Q: The banker is no where to be found. What gives?
A: The bankers hold specific hours. They are their desk in the palaces (or hanging out in the Jarl's longhouse for the smaller holds) from approximately 8am-7pm. The rest of the time they are at the local inn. If you cannot find them at either location you may have to "wait" in order for them to show up.

Q: What is the interest rate of the loan?
A: It is 4%, compounded daily. Increases to 6% if you default.

Q: What is the interest rate of the different investments?
A: That's not any easy answer. They are all compounded daily, but the exact percentage fluctuates every day. The range of values are determined by the length of the investment and the risk level. For charts detailing these values, check out the "Banking Fine Print" book that the major bankers keep at their tables.

Q: What's the point of the promissory notes?
A: There are some immersion mods that add weight to gold. The notes feature is designed to allow your player to carry their money around in a lightweight form. If you don't have any mods that alter gold weight you can safely ignore this feature.

Q: I'm feeling sneaky. Can I rob the bank?
A: There is no central banking location for you to break into, but that's not to say there is nothing at all for you to pilfer...

Q: How do I know how much time is left on my investment or when my loan is due?
A: You can check under your miscellaneous quest objectives; there will be an entry for each investment and/or loan that tells you how many days are left. You can also talk to a banker to get a more detailed status with time remaining , current balance, and recent intererest rates.

Q: I go to invest but when it asks for an amount all I see is "cancel". What's wrong?
A: You don't have enough money on you. You need at least 5k gold (actual gold, not notes) to make an investment.

Q: I want to collect my investment. How do I do this?
A: Investments all use the same screen, whether you are starting one, checking the status of an ongoing one, or collecting a completed one. You just need to select whichever investment level you are interested in and you will be taken to the relevent start/status/collect page.

Q: Is the investment bonus to merchant gold compatible with merchant mods?
A: It depends. There are a few different things you can alter with relation to merchants, so some mods will conflict, some won't. The ones that have been asked about so far are:
Dynamic Merchants - Does not conflict
Wealthy Merchants - Amount of gold on hand will conflict
Leveling Merchant's Wallets - Amount of gold on hand will conflict, inventory refresh rate will not

--Change Log--
v2.0 Initial Posting
v2.1 Added strongboxes to banker tables
-Clarified investment minimum

--Other Notes--
This is by FAR the most complex mod I have ever done. Between the various features there is well over 1000 lines of code. I've tried testing it myself in as many different conditions as I could think of, but given the shear amount of code I'm pretty sure there will be bugs. If you run across something that's not working properly, please detail the problem in the comments and I'll fix it ASAP.

If you would like to make a translation of this file you MUST contact me first. No exceptions. The following are official translations:
Japanese Translation by Solbianca
Spanish Translation by Gardion

Notice: Due to IRL issues, it is unlikely that I will be updating any of my mods in the future. They are provided as-is and I probably won't be around to answer any questions in the comments section.