Bank

Bank
Specialists	1
Production Cost	200
Unlocked at	Banking

The Bank is a building available in the Renaissance Era.

Game Info

Building a Bank requires a Market or any of its replacements.

• +2 Gold
• +25% Gold
• +1 Gold per incoming Trade Route
• Has 1 slot for a Merchant Specialist

With Social Policies / Tenets:

• Mercantilism (Commerce): +1 Science
• Capitalism (Freedom): +1 Happiness

Overview

A bank is an institute where citizens can place their money to keep it safe. The banker collects the deposits and lends them out to other people, who pay back the money they've been loaned, plus an additional fee (or "interest"). The banker passes along some of the profits to the depositors, and reinvests the remainder. A successful banking system requires a working currency and laws ensuring that most borrowers will repay their loans if able.

Banks are remarkable engines for growth in a civilization. If a city needs something - a new granary, for instance - no individual citizen may be able to afford to construct it. However, since it contains the savings of many different citizens, the bank can afford to loan the builder the money. Once the granary is constructed the builder can use the profits to pay back the bank, and the city's citizens all benefit from the cool new granary (as well as from the interest they've earned on their deposits).

Banks in Europe and the United States have gotten something of a bad rap in recent years, but this is generally because many of them dabbled in risky investment schemes or because they made loans to clearly unsuitable people. A well-run bank is a godsend to a community, especially to a poorer one.

Unique Building Replacements

Historical

Icon	Building	Civilization	Yields
	Advisory Stænderforsamling	Denmark (Frederick VII)	Requires Market. +2 and +25% Gold. 1 Merchant Specialist slot. In Cities other than the Capital, Specialists increase Culture output by 5% each, and in the Capital, +1 Golden Age Point per turn.
	Bonyad	Iran (Khomeini)	Every Faith-yielding building in a city with a Bonyad provides +2 Gold. When you purchase a building with Gold, you may choose to receive a portion of the building's cost as either Faith or Production.
	Development Society	Albania (Zog I)	+3 Gold to foreign Trade Route owners rather than +1. Provides Culture when a building from a previous era is built or Science if it was bought.
	Estate	Poland-Lithuania (Sigismund II)	+1 Gold from Horses, Sheep, and Cattle +1 Local Happiness for each different type of these resources worked
	Finca	Mexico (Maximilian I)	+1 Local Happiness. Contains an additional Merchant Specialist slot. Merchant Specialist worked in this building yield Culture equal to their Gold output.
	Hanse	Germany (Bismarck)	+5% Production per Trade Route with a City-State
	Hudson's Bay Company	Canada (Lester B. Pearson)	+1 Gold from Forts Trained units receive the Colonial Capitalism promotion (+1 Gold while on a Fort or Citadel and +15% Combat Strength when starting a turn on a Trading Post)
	Komekaisho	Japan (Tokugawa Yoshimune)	Does not provide any base Gold yields or modifiers. When built in a city other than the Capital, provides Gold equal to 2 raised to the power of the number of domestic Trade Routes going into the city, and Science equal to a quarter of that amount.
	Mezze	Lebanon (Majid Arslan)	Increases the Great Person spawn rate by +10% per Religion present in the city, to a maximum +50%.
	Palazzo	Milan (Gian Galeazzo)	Generates Great Merchant points equal to 10% of the city's Gold output. +4 City Strength. Grants double Gold to City Plunder if the City is captured.
	Royal Trading House	Portugal (Manuel I)	Does not require a Market. Automatically claims all Luxury Resources within two tiles. Grants Gold for each Luxury Resource claimed by this city
	Potlatch House	The Coast Salish (Seattle)	Causes Trade Routes with foreign cities to produce +2 Food and +1 Happiness in both cities, rather than additional gold. Each Potlatch House increases the influence level of your Law of Generosity trait.
	RAET Bank	Brazil (Itamar Franco)	+5% Culture. +5% Production during WLtKD, or if Gold Per Turn is positive (this effect stacks).
	Satrap's Court	Persia (Darius I)	+1 additional Gold +2 Happiness
	State Bank	America (Andrew Jackson)	+5% Gold. Gold output from Specialists and Customs Houses in this city are transferred to the Capital if the city has a garrisoned unit.
	Templar House	Jerusalem (Baldwin IV)	Instant Gold reward upon sending Trade Routes, based on Faith output of Cities. Unlocked at Chivalry
	Trades Hall	Australia (Paul Keating)	1 additional Merchant specialist slot (2 total) Trade routes to City-States from this city provide +1 Influence per turn for each Specialist slot filled.
	Village Cooperative	Guyana (Cheddi Jagan)	+1 Gold from Food Resources instead of from Trade Routes. +1 Culture from each Happiness building and +1 Production from Merchant Specialists in the city.
	Wine Company	Portugal (Pombal)	Provides 1 Gold for every Luxury Resource tile in range of the city when a foreign Trade Unit ends its turn in range If built in a coastal city, Luxury Resources provide double quantity
	Wisselbank	The Netherlands (Maurice)	Has an extra Merchant Specialist slot. +20% Gold instead of 25%. +5% Gold for each filled Great Work of Art slot in the city, up to 50%. +1 Gold per incoming Trade Route (+1 for the foreign owner of the trade route).

Fictional

Icon	Building	Civilization	Yields
	Queen Industries	Team Arrow (Green Arrow)	+2 Gold for each Trade Route sent to this city, for both civilizations.