|Featured In||Mistborn Era 2|
”Of course I'm certain. Would I bother coming here if I weren’t serious? Honestly. You people should allow my steward to make these arrangements. That’s what stewards are for, after all.—Nikolin to Edwarn Ladrian.
In around 311 PC, when Waxillium Ladrian was twelve years old, his uncle Edwarn brought him to the First Central Bank to teach him about banking. Edwarn and Wax observed two men seeking loans, a tall, clean man named Nikolin and a dusty poor man named Jendel. Nikolin had come seeking a loan to finance the purchase of a new boat, while Jendel was seeking a loan so he could lift himself and his family out of the slums and into the middle class. Nikolin was annoyed that he had to come to the bank in person, rather than sending a steward.
Edwarn told Wax that most banks would only lend money to Nikolin. However, he had instituted a policy wherein the First Central Bank would loan money to riskier debtors, but with unfavorable loan terms such as extremely high interest rates and potential wage garnishment. Edwarn had also marketed aggressively to people that would not normally qualify for a loan. Edwarn and his colleagues had effectively invented subprime lending in Elendel.
|Mistborn Era 2|
The Alloy of Law · Shadows of Self · The Bands of Mourning · The Lost Metal
|Characters||Waxillium Ladrian · Wayne · Marasi Colms · Miles Dagouter · Steris Harms · Ranette · Edwarn Ladrian · MeLaan · Bleeder · Claude Aradel · Telsin Ladrian|
|Places||Elendel · Elendel Basin · Roughs · New Seran|
|Organizations||The Set · The Vanishers · The Nightstreet Gang|
|Broadsheets||The Elendel Daily · The House Record · The New Ascendancy|
|Other||High Imperial · The Allomantic Agreement of '94|
|Era 1 books||Mistborn: The Final Empire · The Well of Ascension · The Hero of Ages |
(The Eleventh Metal · Mistborn: Secret History)
|Era 2 books||The Alloy of Law · Shadows of Self · The Bands of Mourning · The Lost Metal |
(Allomancer Jak and the Pits of Eltania)
|Shards||Preservation · Ruin · Harmony|
|History||Classical Scadrial · Final Empire · Catacendre · Elendel · Southern Scadrian|
|Magic||Metallic Arts (Allomancy, Feruchemy, Hemalurgy) · Metalborn · Mistborn · Misting · Savant · Ferring · Twinborn · Compounding · Atium · Lerasium · Ettmetal|
|Other Media||Mistborn Adventure Game · Mistborn: Birthright · Mistborn film · Mistborn: House War|