Script for Banking and Finance DLC

The following are the script lines for the Banking and Finance DLC.

View the descriptions of these game settings
[Banking and Finance DLC]

The four Feature: lines below also accept a form without the colon — Feature Bank works the same as Feature: Bank.

AI Banks and Insurers

Settings on the Competitors page of the New Game Settings menu.

Aggressiveness of AI banks and insurance companies=<Very Low, Low, Moderate, High, Very High>
A higher value means that AI banks will aggressively lure customers from competitors by offering higher deposit interest rates, and AI insurance companies will offer more competitively priced insurance products.

Number of AI Companies Focused on Banking=<None, Low, Moderate, High, Very High>
This determines the number of AI companies focused on banking in the beginning of the game.

Number of AI Companies Focused on Insurance=<None, Low, Moderate, High, Very High>
This determines the number of AI companies focused on insurance business in the beginning of the game.

Tendency of AI to Set Up Banks=<None, Low, Moderate, High, Very High>
Tendency of AI companies with a diversification business strategy to set up banks.

Tendency of AI to Set Up Insurance Companies=<None, Low, Moderate, High, Very High>
Tendency of AI companies with a diversification business strategy to set up insurance companies.

Banks

Settings on the Bank page of the New Game Settings menu.

Feature: Bank=<Yes, No>
This setting determines whether banks can be set up in the game or not.

Realistic Loan Demand=<Yes, No>
If this is enabled, the demand for bank loans is realistically based on the total GDP of the cities. If this is disabled, the loan demand will be substantially higher but still have a limit.

Savings Rate Modifier=<10-2000>
This slider modifies the personal savings rate. A higher personal savings rate means that people will save and deposit more money into banks, thus boosting the profitability of banks in general.

Base Loan Interest Rate=<Very Low, Low, Moderate, High, Very High>
This modifies the base interest rate which affects bonds and bank loans. A higher interest rate increases borrowing costs, posing greater challenges for companies that take on debt to expand.

Initial Net Interest Spread=<0.5 to 10>
Net interest spread refers to the difference in the rate at which a bank takes deposits from customers and the rate at which it offers loans. A larger net interest spread means a greater profit margin for a bank.

Maximum Loans-to-Assets Ratio=<70 to 100>
This determines the Absolute Maximum amount of loans that a bank can lend out (including your bank and AI banks). A conservative bank may set a lower Maximum Loans-to-Assets ratio on the bank HQ interface, provided that it does not exceed the one defined here.

Corporate Deposit Cap=<1 to 100>
Corporate Deposit Cap, as a percentage of the total bank deposits.
The bank regulation stipulates that deposits should be not concentrated on a small number of large depositors. There is a cap that limits the maximum amount of deposit each depositor can make.

Required Bank Capital Ratio=<1 to 50>
The central bank requires banks to set aside enough capital to cover unexpected losses and keep themselves solvent in a crisis. A capital ratio is the ratio of a bank’s equity capital to its total assets.

Economy Impact on Loan Defaults=<Very Low, Low, Moderate, High, Very High>
It determines the economy’s impact on the loan default rate. When this is set to a higher value, loan defaults will soar at a higher rate during an economic downturn, leading to a potential liquidity crisis.

Bonds

Settings on the Bond page of the New Game Settings menu.

Feature: Bond=<Yes, No>
When this feature is enabled, corporations will able to able to issue bonds to raise capital, and the bond market will be accessible.

Percentage of Player Capital Funded by Bond=<0 to 80>
If you are an experienced player looking for greater challenge, you may set a percentage of your corporation’s initial capital to be funded by a bond issue, requiring you to pay bond interests and repay the bond principal upon its maturity.

Bond Credit Standard=<Loose, Normal, Tight>
With a loose credit assessment standard, all corporations will receive better credit ratings and benefit from lower bond interest expenses.

Bond Issue Limit=<1 to 40>
The maximum amounts of bonds that a corporation can issue is limited to a multiple of its capitalization, which is set here. A higher value will allow a corporation to issue larger amounts of bonds.

Insurance

Settings on the Insurance page of the New Game Settings menu.

Feature: Insurance=<Yes, No>
This setting determines whether insurance companies can be set up in the game or not.

Insurance Premiums Modifier=<10 to 2000>
Setting this to a value higher than 100 will increase revenues of all insurance companies.

Insurance Claims=<Very Low, Low, Moderate, High, Very High>
You may customize the average amounts of insurance claims that insurance companies have to pay. A lower insurance claims ratio means a higher profit margin for insurance companies.

Insurance HQ Expense=<Normal, Alternative>
Selects the formula used for insurance headquarters expenses.

Global Stocks

Settings on the Global Stock page of the New Game Settings menu.

Feature: Global Stock=<Yes, No>
This setting determines whether the global stock market is enabled in the game or not.

Initial Stock Price Modifier=<50 to 200>
The initial prices of the global stocks are loaded from a database. You may use this modifier to change the initial prices of all global stocks. A lower Modifier value leads to lower initial stock prices, which promise more gain for the global stock market down the road.

Global Stock Performance=<Very Low, Low, Moderate, High, Very High>
This determines the long-term performance of global stocks.

Global Stock Performance Modifier=<-10 to 10>
You can change the performance of global stocks to a greater extent by using this script line. The setting on the new game settings menu only changes the global stock performance in the range from -2 to 2. You can use this script line to alter it much more significantly.

Venture Capital

Venture capitalists invest in companies before they go public.

Venture Capitalists=<0 to 30>
Venture Capitalists with billions of net worth will join the game when this feature is enabled. Venture Capitalists only invest in companies in pre-IPO rounds. They are committed to long-term investment and do not actively trade stock.

For gameplay balance, when Realistic Money Supply is enabled, the game will automatically assign a minimum of 5 Venture Capitalists to the game. However, if Survival Mode is enabled, then Venture Capitalists can be set to any number.

VC Capital=<1 to 100>
This sets the average capital size of a venture capitalist.

VC Diversification=<0.5 to 50>
This determines how diversified a venture capitalist’s investment portfolio will be. Typically a single investment, as a percentage of the VC’s total net worth, will not exceed the percent specified here.

Other Settings

The remaining settings on the Others page.

Realistic Money Supply=<Yes, No>
This option can only be used in conjunction with City Economic Simulation DLC. When it is enabled, money supply is more realistically simulated. It will be more difficult for player and AI companies to raise funds from IPO, issuing new shares and bonds.

Warehouse Floors=<One, Multiple>
Choose “Multiple” to allow for setting up multiple floors in a warehouse.

Acquire Companies Facing Bankruptcy=<Yes, No>
When this setting is enabled, when a company is facing bankruptcy, you will be given the option to rescue it by acquiring all the shares of the company.

Automated Data Export

These set the recurring export of financial data. They are described in full, with screenshots, on Data Export Tools.

Export Income Statement Scope=<Player Company | Player Company and Subsidiaries | All Companies>

Export Income Statement Frequency=<Every Year | Every Quarter | Every Month>

Export Balance Sheet Scope=<Player Company | Player Company and Subsidiaries | All Companies>

Export Balance Sheet Frequency=<Every Year | Every Quarter | Every Month>

Export Corporation List Frequency=<Every Year | Every Quarter | Every Month>

A Note on Extreme Values

By using a script, you could set some of these game settings to extraordinarily high values that are outside their normal recommended range on the New Game Settings menu. Please set them with caution.

For example, you could set the Savings Rate Modifier to a maximum value of 2000, which is way higher than the recommended range. It is meant to provide you with a way to experiment with the game with as little restrictions as possible. However, please note that the outcome could be wildly unpredictable when an extreme value is used.

Service Industry DLC

View the Script Commands for Service Industry DLC