Bank Mechanic Improvements

Banking Nation Improvements
Version 2.0.0 | Compatible with EU5 1.1.10 (Rossbach)

This mod significantly expands the Banking Nation government type, giving banking nations a richer toolkit for economic dominance, diplomatic leverage, and debt-based power projection.

Due to landless nations being in a "meh" place at the moment, some liberties are necessary and some testing will need to take place to determine the best flow for players. Please leave feedback so I may continue to improve the mod.

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CORE CHANGES

– Banking Office: Upgraded to 3 levels (vanilla: 1), no longer restricted to towns.
– Take Over Loan: The bank pays only the principal on purchased loans, not the remaining interest.
– Bank Maintenance: Production method adjusted to reflect the real costs of running a financial institution.

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GOVERNMENT SUB-REFORMS

Banking nations may choose one of two specialisations:

Trading-Focused Bank
Bonuses to trade income, trade efficiency, and merchant maintenance costs.
A smaller footprint among the estates, but fewer foreign earnings.

Financial-Focused Bank
Reduced costs for building in foreign territories.
Lower building upkeep across all holdings.

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THE CREDITOR’S LEAGUE

A new international organisation available exclusively to banking nations. The founding bank serves as permanent leader. Member nations gain small economic bonuses; the leader gains scaling rewards based on membership size.

Leader bonuses (scale with number of members):
– Global merchant capacity
– Maximum diplomats
– Monthly diplomat generation

Joining the League:
– Larger, wealthier nations are more resistant to joining
– Each existing member adds to the resistance
– Heavily indebted nations are more willing — the bank assumes their outstanding market loans on entry
– Active league policies affect acceptance chances

Request Credit Line
Member nations may request a loan directly from the banking nation leader at the bank’s lending rate.

Invite to Creditor’s League
The banking nation may invite eligible nations diplomatically. Policy mix, debt levels, and nation size all affect the outcome.

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CREDITOR’S LEAGUE PARLIAMENT LAWS

The Council of Creditors votes on six areas of policy:

Payment Law
Controls whether members receive subsidies or pay levies to the bank.
Options: Gold Subsidy / Small Levy / Large Levy / Full Extraction

Construction Law
Governs whether the bank may build in member territories.
Options: No Rights / Full Build Rights

(Note – due to a technical limitation, the "Allow Construction Rights" law for the IO does not actually function as intended. When this law is unlocked, you it allows establishing the "Construction Rights" subject type, allowing you to build and recruit there. Until paradox fixes this, I cannot do anything about it.)

Military Law
Controls recruitment and naval access in member lands.
Options: No Access / Recruitment Rights / Naval Rights

Intelligence Law
Governs information sharing within the league.
Options: Closed / Intelligence Sharing (bonus to spy network construction)

Manpower Conscription Law
Controls whether the bank may levy a share of each member’s monthly manpower as tribute.
Options: No Levy / Full Levy

Sailor Conscription Law
Controls whether the bank may levy a share of each member’s monthly sailors as tribute.
Options: No Levy / Full Levy

Internal Relations Law
Governs conflict between member states.
Options: Open Relations (merchant bonuses) / Enforced Internal Peace (no war between members)

External War Law
Governs whether members are drawn into the bank’s wars.
Options: Free / Defensive Pact / Offensive Alliance / Restricted Sovereignty / Full Submission

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LEAGUE WAR DECLARATION

The Council of Creditors may vote to compel an outside nation by force. The banking nation leader proposes the war target; a simple majority of members must vote in favour for the resolution to pass. If carried, the banking nation leads the war effort on behalf of the league. A five-year cooldown applies after each vote.

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NEW BUILDINGS

Currency Exchange
Generates trade income and influences regional commerce.

Banker’s Kontor
Deploys bank-owned merchants to trade on the bank’s behalf.

Banker Shipyard
A bank-owned shipyard in a foreign territory, granting ship construction rights with local permission.

Bank Recruitment Firm
A foreign building for recruiting bank-loyal regiments, with local permission required.

Art Emporium
Invests in cultural prestige, spreading the bank’s name and influence.

Banking Mining Interest
Extracts value from resource-producing locations through financial leverage.

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SUBJECT TYPES

Realm in Arrears
When a nation cannot service its debts, the bank may impose direct financial governance. This subject type grants the banking overlord:
– The right to recruit regiments in the subject’s territory
– The right to build ships in the subject’s ports

Member nations may grant the banking nation formal rights to build within their territory. In exchange, they benefit from reduced borrowing costs. A lighter arrangement than outright vassalage — but a foot in the door.

(Note – due to a technical limitation, the "Allow Construction Rights" law for the IO does not actually function as intended. When this law is unlocked, you it allows establishing the "Construction Rights" subject type, allowing you to build and recruit there. Until paradox fixes this, I cannot do anything about it.)

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DIPLOMATIC INTERACTIONS

Install Foreign Branch
Establish a banking presence in a foreign nation’s territory.

Absorb Foreign Branch
Consolidate an existing foreign branch under direct bank control.

Pressure Into Loan
Leverage political influence to push a nation into taking a loan from the bank.

Strongarm Into Fees
Extract fees from a nation through financial coercion.

Seize Crown Assets
Claim physical assets from a debtor nation as collateral.

Take Over Loan / Take Over All Loans
Purchase outstanding debt from other lenders. The bank pays only the principal, keeping the interest as profit.

Compel League Membership (Hostile Takeover)
When a nation owes the bank five or more loans, the bank may force them into the Creditor’s League.

Sway Their Vote
Banking nations may bribe IO parliament members without spending prestige — gold is their instrument of influence.

Expand Diplomatic Network (Cabinet Action)
Dispatches agents and family members to foreign courts, growing the bank’s network of diplomatic contacts over time.

Monopolize Local Commerce (Cabinet Action)
Leverages the bank’s financial reach to quietly undercut local merchant guilds, diverting trade revenues and eroding their political standing.

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COMPATIBILITY

This mod patches the following vanilla definitions:
– banking_country (government reform)
– banking_office (building)
– take_over_loan (country interaction)
– bribe_voter_for_policy (country interaction — banking nations use a prestige-free version)

No other vanilla files are modified. Should be compatible with most other mods unless they also patch the above.

Github link:
https://github.com/rob-marsh-dev/banking-mechanic-improvements