FS25 Bank And Credit V1.0.1

Bank & Credit adds a fractional-reserve bank to Farming Simulator 25. Borrow money, manage your debt and grow your credit capacity by farming.
The bank is a standalone virtual entity with its own equity, funded by the interest it collects. Credit is not granted automatically: it is evaluated based on your income and assets.
Features:
Three loan types: Annuity (fixed monthly payment), Bullet (interest-only, full principal at maturity), Revolving (draw and repay freely, no fixed term)
Revolving: 1%/year commitment fee on the undrawn portion; voluntary closure when balance is zero
Credit scoring via DSCR (12-month decay-weighted income history) and LTV (asset liquidation value with per-category haircuts)
Five risk levels: LOW / MODERATE / HIGH / CRITICAL / REFUSED – transparent rate breakdown and explicit refusal reasons
Risk surcharges on top of base rate: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5%
CRITICAL applications are auto-capped at 50% of the requested amount (the bank still lends, but at a reduced size)
Asset haircuts by category: farmland 70%, livestock 60%, buildings 55%, inventory 50%, tools 50%, tractors 40%, cash 30%
Borrower limit: liquidated asset value plus 24-month income projection, minus existing outstanding debt
Concentration cap: a single farm cannot exceed 25% of the bank’s total lending capacity
Loan detail view: full amortisation schedule (Annuity, Bullet) or draw and repayment panel (Revolving)
Bank health dashboard: equity, leverage ratio, outstanding portfolio, internal loss reserve (not player-loan reimbursement), coverage ratio
Annual financial report per farm
Base rate with mean-reversion, updated quarterly (1% – 12%, configurable anchor)
Type spreads: Annuity +0%, Bullet +0.75%, Revolving +5%
Early repayment on Annuity and Bullet loans: full or partial by number of months (configurable penalty 0% – 5%)
Settings (in Game Settings): starting capital (100 k€ – 5 M€), leverage ratio (5x – 20x), base rate, dynamic rate, early repayment penalty
Separate Interest and Principal entries in the Finance tab
Solo and multiplayer: in multiplayer, bank equity and portfolio are shared server-side across all farms
Compatible with FS25_Invoices: invoice income counts in DSCR history
Compatible with FS25_RedTape: subsidy and grant income counts in DSCR history
Important: this mod replaces the vanilla loan system. Any vanilla loan balance is automatically cleared at game start.
V1.0.1.0
Fixed multiplayer synchronization of paid loans and annual reports
Fixed Bank tab display in the menu
Fixed repayment and draw amount fields accepting letters
Added full translation coverage for all 27 supported languages

 

[FarmerBoy]

Thank you for providing such a detailed description of the Bank & Credit mod for Farming Simulator 25. It seems like this mod adds a complex and realistic banking system to the game, allowing players to borrow money, manage debt, and improve their credit capacity through farming activities.

Here is a breakdown of some key features included in the mod:

1. **Loan Types**: The mod offers three types of loans - Annuity, Bullet, and Revolving, each with different repayment structures. Players can choose the one that suits their financial needs.

2. **Credit Evaluation**: Credit is not granted automatically; it is assessed based on the player's income and assets, ensuring a realistic borrowing process.

3. **Risk Evaluation**: The mod includes risk levels such as LOW, MODERATE, HIGH, CRITICAL, and REFUSED, with transparent rate breakdown and reasons for refusal. Risk surcharges are also applied based on the risk level.

4. **Asset Valuation**: Assets are evaluated with haircuts by category, determining their liquidation value in case of default.

5. **Borrower Limit**: Players have a borrowing limit based on their liquidated asset value, income projection, and existing debt.

6. **Concentration Cap**: There is a limit on how much a single farm can borrow, ensuring diversification of lending.

7. **Loan Management**: Detailed loan information such as amortization schedules and draw/repayment options are available for players to track their borrowing activities.

8. **Bank Health Dashboard**: It provides information on the bank's equity, leverage ratio, portfolio, and coverage ratio, offering insight into the bank's financial health.

9. **Financial Reports**: Players receive an annual financial report for each farm, helping them monitor their financial performance.

10. **Settings Configuration**: Players can customize various settings like starting capital, leverage ratio, base rate, dynamic rate, and early repayment penalty to tailor the banking experience to their preferences.

11. **Multiplayer Support**: The mod supports multiplayer gameplay, with shared bank equity and portfolio across all farms on the server.

These features create a realistic financial system within the game, adding depth and complexity to the farming experience. The recent V1.0.1.0 update also includes fixes and translations for a smoother gameplay experience.

Overall, this mod appears to offer an immersive and challenging financial aspect to Farming Simulator 25, enhancing the gameplay for players who enjoy economic management alongside farming activities.