Banks of Calradia

Advanced banking + economic simulation for Mount & Blade II: Bannerlord.

Banks of Calradia adds a per-settlement banking layer with savings accounts, loans (contracts, installments, late fees), prosperity impact, and passive Trade XP. All balances and contracts persist through saves via an internal storage layer.

Features (Player-Facing)

• Savings accounts in each town
  • Daily interest driven by settlement economy (calibrated to avoid rounding/micro-deposit exploits).
  • Withdrawals with dynamic fees driven by settlement risk (prosperity/loyalty/security signals).
• Loans and credit
  • Credit limit and terms based on settlement prosperity + clan renown.
  • Real contracts, installments, late penalties, partial payments, and early-payment benefit.
  • Debt caps / safety logic to avoid runaway snowballing.
• Economy integration
  • Deposits contribute to the settlement prosperity forecast.
  • Banking profits can grant passive Trade XP (damped scaling).

Compatibility

• Bannerlord: v1.3.7
• DLC: War Sails (supported)
• Dependencies: none

Installation

Steam Workshop

Subscribe and enable Banks of Calradia in the launcher.

Manual

1. Copy the module folder into: Mount & Blade II Bannerlord/Modules/BanksOfCalradia/
2. Enable the mod in the launcher.

Technical Architecture (Current Codebase)

High-level responsibility split:

• Source/Core/
  • BankUtils.cs: currency/percent formatting + shared helpers/caps.
  • FinanceLedger.cs: internal ledger for tracing banking operations (debug/audit).
  • LocalizationHelper.cs: safe L helper for native TextObject localization with fallbacks.
• Source/Systems/
  • BankCampaignBehavior.cs: central coordinator; hooks the campaign lifecycle, registers menus, runs daily processing.
  • BankStorage.cs: persistent data layer; stores savings + loan contracts keyed by player/town IDs.
  • Data/
    • LoanContractData.cs, SavingsAccountData.cs: structured persistent models.
  • Processing/
    • FinanceProcessor.cs: integrates bank income/preview into finance UI/expected gold change.
    • LoanProcessor.cs: daily loan logic (installments, late fees, caps, completion).
    • ProsperityModel.cs: savings → expected prosperity change injection.
    • BankFoodModelProxy.cs: UI-facing proxy layer for food/prosperity presentation (non-destructive).
    • BankFinanceFallbackBehavior.cs: safe fallback hooks for version/edge cases.
  • Utils/
    • BankSuccessionUtils.cs: transfers banking data across hero/clan succession.
    • BankTradeXpUtils.cs: converts profits to Trade XP with damping.
• Source/UI/
  • BankSafeUI.cs: UI-safety layer (context checks + safe switching + race-condition protection).
  • Menu_Savings.cs: deposit/withdraw UI, interest/fee previews.
  • Menu_Loan.cs: credit simulation + loan creation UI.
  • Menu_LoanPayments.cs: loan listing/detail/payment UI.
• ModuleData/Languages/
  • EN/, BR/, SP/, DE/, RU/: native Bannerlord localization XML packs (bc_strings.xml, language_data.xml).
• Entry points / build:
  • SubModule.cs: module initializer.
  • SubModule.xml: module descriptor.
  • BanksOfCalradia.csproj, Directory.Build.props: build rules and compilation settings.

Localization Notes

The project uses Bannerlord’s native XML localization. Keys are stored in bc_strings.xml per language, and accessed in code via:

• L.T(id, fallback) → TextObject
• L.S(id, fallback) → string

This guarantees stable fallbacks even if a translation key is missing.

Build (Developers)

• Build the project (BanksOfCalradia.csproj) in Release.
• Output should generate BanksOfCalradia.dll for the module bin/ output expected by Bannerlord.
• Keep SubModule.xml and language files under ModuleData/ alongside the compiled DLL.

Repository (source + issue tracker): https://github.com/dahaka637/BanksOfCalradia

Troubleshooting

If you see a crash when opening bank menus:

• Ensure you are inside a real town scene (bank menus validate settlement context).
• Try waiting a moment after loading/entering a town before opening the bank (some UI contexts initialize asynchronously).
• If it persists, report:
  • Bannerlord version
  • Mod version
  • Repro steps
  • Crash stack trace / log excerpt

License

MIT (see repository for details).