Global Finance: IMF & World Bank

A global finance overhaul for Victoria 3, adding international loans, credit ratings, the World Bank, investment commitments, debt crises, dividends, and Paris Club interventions.

This mod turns finance into a diplomatic and strategic tool. Great powers can shape the world through capital, developing nations can fund industrialization through external credit, and reckless borrowing can lead to sanctions, default, or international intervention.

Bilateral Foreign Loans
Countries can offer loans to other nations or request credit from foreign powers. Loan capacity and terms are calculated from GDP, credit score, gold reserves, debt pressure, and diplomatic relations.

Dynamic Credit Rating System
Every eligible country receives a credit profile from AAA to D. Ratings are affected by GDP, industrial strength, reserves, debt, war, infamy, technology, repayment history, and financial stability.

Repayment, Arrears, and Default
Loans are repaid over time. Missed payments create arrears, late interest, crisis stages, and eventually default penalties. Lenders can show leniency, restructure the debt, declare default, or forgive the loan.

World Bank Foundation
A qualified country can establish the World Bank and become its permanent founder. The founder manages the global loan pool, receives prestige, and gains commission rights from financial activity.

Global Loan Pool
Countries can contribute gold to the World Bank pool and become financial contributors. Contributors receive annual dividends based on their share of the pool and the interest generated by borrowers.

World Bank Development Loans
Countries with Central Banking can borrow from the World Bank under long-term amortized loan terms. Loan limits depend on the borrower’s financial capacity and credit profile.

Industrial Investment Commitments
World Bank loans come with development obligations. Borrowers must expand mining, light industry, or heavy industry within the required period. Failure to meet the commitment results in prestige and trade penalties.

Paris Club Debt Crisis System
Severe debt pressure can trigger a Paris Club review led by the World Bank founder. Possible outcomes include restructuring, partial debt forgiveness, sanctions, forced default, or full debt grants.

World Bank Takeover War Goal
Major powers with the required financial technology can attempt to seize control of the World Bank through war. If successful, the founding privileges and management authority transfer to the victor.

AI Participation
AI countries can cautiously contribute to the World Bank, borrow from it, offer bilateral loans, and request financial assistance based on their economic situation and diplomatic relations.

IMF & World Bank adds a new layer of global economic diplomacy. Wealthy powers can become international lenders, rising economies can finance rapid development, and unstable states may find themselves trapped in debt crises.

Money is no longer just a treasury number. It becomes influence, leverage, risk, and power.

Supported game version: 1.13.*

English and Turkish localization included.