Banks and the economy

Crownmoor Bank

High-street bank

The biggest and steadiest bank in the country. Its savings rates are low, but it has the cheapest large loans for people with a good credit score.

Savings

Rates are the Bank Rate (4%) plus or minus this bank's margin, and never below 0%.

Account	Type	Rate a year	Bank Rate plus	Smallest deposit
Everyday Saver	Easy access	1.50%	-2.5	£1
30-day Fixed Saver	Fixed for 30 days (locked, no early withdrawal)	3.00%	-1	£500

Loan	Amount	Longest term	Rate a year	Bank Rate plus	Credit score needed
Personal Loan	£1,000 to £20,000	26 weeks	7.00%	+3	650

Cash in reserve	£250,000
Savers' deposits (what it owes savers)	£0
Cash it must keep (40% of deposits)	£0
Loans still owed to it	£0
Shares it owns, at today's prices	£0
Capital (its own money)	£250,000
All money ever lent / paid back	£0 / £0
Interest earned on loans / paid to savers	£0 / £0
Dividends from shares	£0
Lost to defaults (0 loans)	£0

Once a day Crownmoor Bank looks at the UKOGB Stock Exchange and follows these rules:

It keeps 40% of savers' money as cash, and aims to have 30% of the rest of its money in shares.
It buys companies whose price is at least 5% below their recent average (the last 30 trades), the best bargains first.
It sells half of a holding once its price is 15% or more above the recent average, and sells shares if its cash falls below what it must keep.
No one company may be more than 10% of its money, and it places at most 2 orders a day, at the last traded price. Orders not filled by the next day are cancelled. It pays stamp duty like anyone else.

It doesn't own any shares yet. It last looked on 22 October 2026.

Nothing yet.