A simulation, not a fantasy.
The model doesn't bend for the player. There's no cheat economy underneath, no comeback mechanic that erases bad decisions. You get out what you can extract from real choices on a real ledger.
Coming soon · Steam · 2026
A deep banking strategy simulation. Originate loans, gather deposits, manage capital, navigate crises — on a real IFRS 9 credit model and a tick-by-tick balance sheet.
Bankr's tick advances one in-game day every two seconds. In a typical session you'll trade off credit, capital, and liquidity dozens of times — every choice updates the same balance sheet the regulator scores you on.
Applications come in continuously. Approve, decline, or counter — each booking changes your loan-mix, your concentration risk, and your margin profile.
Loans need deposits. Set rates across eight deposit types — higher rates pull cash, but funding cost eats your net interest margin and squeezes the regulator's liquidity ratios.
The regulator watches CAR, NPL, LCR, NSFR every tick. Drift below threshold and warnings stack. Ignore them long enough and you're seized — the run ends.
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 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, 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, choose between four defensive responses when you're the target. Survive a hostile bid or take one over.
Corporate, Mortgage, Private Banking, Investment Banking, Asset Management, Insurance, Derivatives, FX Trading, Hedge Fund, Private Equity, Syndicated Lending — each with its own P&L, ROAC, and capital rules.
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, Treasury Analyst, Risk Officer, Branch Manager — work the ranks across 90-day reviews, hit a capstone evaluation, promote to Director.
A 5-question quiz at the start sets four personality axes and seeds seven gameplay multipliers. Two players starting the same scenario get different runs.
Growth Sprint, Stable Years, Regulatory Crunch, Global Shock, High Stakes — pick your difficulty by choosing the macro environment.
Banking sims have always cheated on the math. The numbers don't add up, the regulators are vibes, and the only failure mode is "go bankrupt slowly". Bankr is the version of the genre that takes its own simulation seriously.
The model doesn't bend for the player. There's no cheat economy underneath, no comeback mechanic that erases bad decisions. You get out what you can extract from real choices on a real ledger.
IFRS 9 stages run in days, not minutes-of-real-time. ECL provisions move with credit quality. The balance sheet always balances. If you can't justify it on the report, the engine won't let you do it.
Single-player. No engagement loops, no battle pass, no dailies, no FOMO. You buy the game, you finish the game, you go outside. Patches and balance updates after release — until the design is genuinely done.
The marketing shouldn't lie. The systems are intricate because banking is intricate, and the player who wants to read the manual is rewarded for it. The player who doesn't can stay in Intern mode and still ship.
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 a batch at end of month.
Reversible, save-stateable, auditable. Every action lands on a single command bus — exposed in the manual, traceable in the report.
At quarter close the engine produces a full P&L, balance sheet, and ratio snapshot — the same kind a real bank files with regulators.
Bankr is in active development. Phases below show what's already in the engine, what's being built now, and what's queued. Dates float intentionally — the game ships when it's ready, not when a calendar says so.
10 Hz tick loop, command bus, double-entry ledger, balance sheet that always balances. The foundation everything else stands on.
Origination flow, term and rate curves, IFRS 9 stage transitions, deposit categories, liquidity coverage tracking.
Capital plans, NSFR funding plans, regulator enforcement clock, sector shocks, hostile M&A defenses, stress tests with recovery bonuses. Eleven divisions live including Insurance/Derivatives/FX with mark-to-market P&L.
Player tools, drilldowns, audit views, the report layouts a real CFO would use. Replacing programmer art with the production aesthetic. Store-ready screenshots, capsules, library art.
Steam store page goes live with a wishlist link. Closed alpha for a small group of testers — friction-finding, not feature-discovery.
Open early access on Steam. Public roadmap, paid release. Final 1.0 ships when the design says it's ready — and stays patched after.
Bankr is a strategy simulation, not a graphics showcase. The engine is built to run smoothly on modest hardware so the systems can stay deep without locking out anyone's laptop.
Estimates as of 2026 development. Final specifications lock closer to release. Steam Deck verification is a target, not yet certified.
Common questions, with the actual answers — including the ones we don't have yet.
No firm date. The Steam page comes first, then a closed alpha, then early access. Final 1.0 when the design is genuinely done — anchoring to a release window before the systems are stable just produces a worse game.
Yes. The simulation is built around a single player who runs a single bank. No multiplayer, no co-op, no asynchronous leaderboards. The systems get their depth precisely because we don't have to balance them around competitive play.
No. Saves are local, the engine is offline, and the only thing the launcher pings is Steam itself for updates. If your internet drops mid-quarter, you keep playing.
To be confirmed. Priced like a finished game — once, in dollars, for the whole product. No microtransactions, no battle pass, no premium currency. Bug fixes and balance updates are free forever.
Yes — meaningfully so. Stage transitions (Performing → Watchlist → Delinquent → Default → Write-off), expected credit loss provisioning, and quarterly reporting all map to how a real bank books and reports credit. The full breakdown lives in the manual.
Maybe — but only if there's a substantial new system to add (a different jurisdiction's regulatory regime, a new bank type, a major sandbox mode). Never cosmetic packs. Never paid quality-of-life. The base game is the whole game.
Targeted, not promised. Strategy games suit the Deck and the engine targets modest hardware, so verification is the goal. Final certification happens during early access.
Because well-modeled systems are more fun than badly modeled ones, banking is one of the most quantified disciplines on the planet, and the genre has been ducking the math for thirty years. There's a real game in there once you stop pretending the balance sheet doesn't exist.
The Steam store page is being prepared. The wishlist link will live here the moment it's up — bookmark this page or check back closer to launch.
Status
Short notes on how the systems are built. We post when there's something worth saying — not on a schedule.
How we model Performing → Watchlist → Delinquent → Default with real day-counts so player choices map to regulatory reality, not arcade timers.
A look at why economic simulations tick on a fixed wall-clock cadence and how we keep the UI smooth without leaking sim state into render.
The pitch behind Bankr — why the genre needed a real model, what the personality system unlocks, and how Owner vs Intern reuse the same engine.