After Surviving the Apocalypse, I Built a City in Another World - Chapter 358

Chapter 358: Bank
Later that night.

Now that much of the worries in the territory could be passed on to her husband, brother, team, and the Departments, she could finally focus on the things she liked!

Research!

Product Development!

Speaking of, three major manual constructions have been completed in the past few days: Her research building, the school, and the government office.

Her research building and the school were located in the Education zone, a new area formed after expansion, just north of the Southeast luxury areas.

As for the office located near the village center…

She turned to Ansel, who was eating his after-dinner snacks on the couch. “Have you been to the new office? How’s the fit-out works?”

Ansel swallowed the food and answered, “Should be done by tomorrow,” he said. “The departments can move to the new building the day after that.”

Then he changed to a pandering face again, scooting closer to Althea. “Hey, sister~” but stopped at a distance when he met Garan’s scary eyes.

“We can hear you well from where you were,” Garan said, bringing Althea—who was sitting beside him and lulling the children in her arms— closer to him.

“Tsk,” Ansel tutted, before looking at Althea again with a gentle smile, “Do you have any plans for the second floor?”

Althea blinked, “Not in particular.”

Before, she just wanted to make it into an extra meeting room of sorts, just to make use of it. But if Ansel could find a better use…

“Then… can I have it?”

The couple looked at him curiously, “What’re you planning?”

“It’s time for us to make a bank!”

The two’s backs straightened, eyes bright.

Indeed!

It wasn’t that she hadn’t asked the Aborigines if there was this institution, but they were all puzzled by the concept, even Oslo. She had to explain very thoroughly, and she could tell they hadn’t truly absorbed the concept.

This was probably because the system and the existence of space were so convenient that there was no need to ‘hide’ your money and valuables somewhere else.

This world was also so unstable. Who would place their wealth in a place that could get destroyed at any time?

And finally, the wealth disparity was large. Very large. Commoners generally didn’t have excess money to think big.

“One of the major blockages before was that there was no paper so we couldn’t make ledgers and… well, I needed someone who actually knew these things.”

“So you found one?”

“I found two!” Ansel said, looking quite proud of his accomplishments. When he was trudging through the boooring day filled with interviews, this pair of brothers definitely lit up his day.

The men’s names were Ramil and Raj, siblings, Ramil being older than Raj by about three years. They were people who used to work in a bank, albeit different ones with different scopes of work.

What none of them knew at this time was that the forty-year-old Raj was one of the managers in the bank Althea robbed back in Terran. He was hiding in a storage room for a long time.

Her clearing up the place gave him enough respite and a better chance at life. He even managed to find a few more things Althea didn’t bother with, allowing him to have a decent amount of gold when the Migration came.

Anyway, seeing the brothers reminded Ansel of this institution, and how it could be used despite the existence of the convenient and omnipresent system.

However, Althea couldn’t help but be a bit worried. “They are siblings?”

Placing family members or people in close relationships in sensitive positions could get a bit risky.

Ansel though had already thought this through. “Yes. They already signed a contract with the system, so we don’t have to worry about betrayals of the sort.” Ansel said, “It’s really convenient, the system.”

“They should have clear tasks then, to avoid any conflicts.”

“Yep, considered! I’m responsible for the major decisions while Ramil is the Chief Financial officer responsible for the bank finances, overseeing loans, investments, and financial records.

“Raj is assigned to Risk Management, which is in charge of the evaluation of credits (which shouldn’t be difficult with the oath system). He would also handle the Legal Compliances of the deals. Finally, he will spearhead the record-keeping department.

“We will also be hiring other officers in charge of client relations and Security and the like.”

Althea and Garan looked at him, impressed, and Ansel saw this clearly. In fact, if Ansel had a tail like Fufi, it would be wagging very much.

“Well, it seems like you’ve got it planned,” Althea said, amused at his proudness. “Do you have a proposal?”

Ansel grinned smugly, taking a rim of paper from the space. “Done!”

Althea and Garan looked at the proposal, turning pages with apt attention. This was a very important institution and, judging by the contents, the three had thought about it decently enough.

Basically, the proposal could be summarized as the following:

Subject: Proposal for the Establishment of Territory Bank,

a vital institution to promote economic growth, stability, and prosperity of the territory

Dear Elders and Esteemed Village System,

In response to the growing needs of the residents and businesses in Altera Village, we propose the establishment of the ALTERA BANK, a modern and comprehensive banking institution.

The absence of such an institution presents an opportunity to provide essential financial services, fostering economic growth, and financial stability within our beloved community.

Further, as the territory engaged in new endeavors and trade, the need for the institution will soon become apparent.

Mission Statement: ALTERA BANK is committed to providing accessible, secure, and innovative financial services to the residents of Altera VIllage. Our mission is to contribute to the economic development of the region. After all, the Bank is the cornerstone of economic stability, and we hope to be able to provide this foundation.

OBJECTIVES:

1. Wealth Preservation – provide a safe and secure environment for the storage of wealth against theft. While this may seem particularly unattractive with the available system space, this could be promoted by promising high-interest rates.

2. Trade Facilitation – we can act as a central Marketplace for merchants to deposit, exchange, and withdraw currencies. We can charge lower conversion rates than the system.

3. Business Support and Economic Growth – offer loans and investments that support the growth of local businesses, entrepreneurs, and artisans. We will also support local businesses through financial education programs and workshops.

4. Community Development- invest in community projects, infrastructure, and charitable initiatives to contribute to the overall well-being of Altera Village. This will also promote the sense of belonging of the citizens, as they could contribute to the territory’s development in another way.

5. Employment Opportunities – Create job opportunities for the residents of the village.

6. Provide Financial Projections – Provide detailed financial projections for the years of the territory, outlining anticipated revenues, operating expenses, and profitability. This will not be limited to the banks, but also financial projections to the entire territory based on information made available to us through the institution.

CONCLUSION: The establishment of the Altera Bank represents a significant step forward in promoting the territory’s financial stability, growth, and citizen welfare.

We humbly request the system for the approval of the pivotal institution, which will play a vital role in the territory’s bright and prosperous future.

Sincerely,

-Ansel Witt, Elder of Economic and Finance

-Ramil Kuthra, Finance Officer

-Raj Kuthra, Officer for Risk and Legal Management.

…

Althea nodded, impressed. “This, indeed, looks promising.” She turned her head to her husband, “Right?”

Garan nodded. “It will definitely help those who weren’t able to bring money but had so much to offer the territory.”

Ansel nodded. “Loans will also allow buying property possible even when you increase the prices—something natural with every upgrade.”

Ansel paused and leaned back, suddenly looking a bit serious. “Actually, the citizens need this now more than before.”

The couple looked at him in interest and he continued to speak.

“Except for the new people from allied territories, almost every one of the newcomers is a legitimate refugee,” he said. “This means that they had likely lost everything when their territory was destroyed.”

Althea nodded. “These people… they had to start from scratch.” She then turned to her brother, feeling a bit proud.

“Okay, good. I will send this to the elders as well to see if they have anything to add, but I don’t see any reason they would not recommend its implementation,” she said, “Expect to receive your rewards tonight.”

Ansel brightened, heart filled with pride. “Yes!”

…

That night, both Ansel, Ramil, and Raj received the same notification.

[For proposing the Bank system thoroughly, the system rewards you with 5000 contribution points each]

[Congratulations. The Territory expects a lot from you. May you lead the territory’s financial literacy well.]

Ramil and Raj sat up in shock. They were living in the dormitory at this time, and they immediately went to face the other at the announcement that rang in their ears.

“Did you receive a note?” Ramil asked, though he limited the volume lest they wake up their roommates.

His brother nodded and after a long pause of staring at each other, they grinned.

It was finally their time to shine!