A deep banking strategy simulation. Originate loans, gather deposits, manage capital, navigate crises, and grow from a community lender into a global financial institution — all on top of a real IFRS 9 credit model and a tick-by-tick balance sheet.
Every metric on screen — CAR, NPL, LCR, NSFR, NIM, ROE — comes from a real-time simulation of your balance sheet, not flavor text.
Seven loan types — mortgages, auto, SME, corporate, commercial real estate, credit cards, personal — each with their own behavior. Stages update day by day per IFRS 9: Performing → Watchlist → Delinquent → Default → Write-off.
Eight deposit categories from checking to brokered CDs. Set rates, watch your loan-to-deposit ratio, and balance funding cost against liquidity coverage.
Other banks operate alongside you — they grow, lose share, get acquired, or fail. The market reacts to who wins and who slips.
Run due diligence, structure offers, and choose between four defensive responses when you're the target. Survive a hostile bid or take one over.
Corporate, Mortgage, Private Banking, Investment Banking, Private Equity, Wealth Management, Insurance — each with its own allocation rules and revenue profile.
Launch credit card programs and investment funds with allocation strategies. Grow an asset-management arm or specialize in lending.
Don't want to run the whole bank yet? Pick a path — Credit Analyst, Treasurer, Banker, Trader — work up the ranks, hit a capstone evaluation.
A 5-question quiz at the start sets four personality axes and seeds seven gameplay multipliers. Two players starting the same scenario won't have the same run.
Growth Sprint, Stable Years, Regulatory Crunch, Global Shock, High Stakes — pick your difficulty by choosing the macro environment.
Capital Adequacy, Non-Performing Loans, Liquidity Coverage — fall behind on any of them and warnings arrive. Ignore them long enough and you'll get seized.
Bankr isn't a thin re-skin of a generic tycoon. It's a Rust-based simulation core driving a native React UI, with a tick loop that advances one in-game day every two seconds.
Loans accrue interest, deposits accrue expense, and ratios update in real time — not in batch at end of month.
Forty commands across credit, treasury, capital, M&A, products, and divisions. Every action is reversible, save-stateable, and auditable.
At quarter-close, the engine generates a full P&L, balance sheet, and ratio snapshot — the same kind a real bank files.
The Steam page is going live shortly. In the meantime, the manual is the best way to get a feel for how deep the systems go.