Essays on banking: Various aspects of the interaction between a firm and its creditor banks

This thesis consists of three chapters in banking. The first one studies the impact of emotions on real-world decisions made by loan officers by analyzing the loan conditions of loans granted immediately after a bank branch robbery. The second one analyses the repayment decisions of firms with multiple loans that, for liquidity constraints or strategic reasons, stop making payments in some but not all their loans. The third one analyses the causal link between the length of the credit bureaus retention time and the subsequent behavior by lenders and borrowers. It exploits a variation in retention times, provided by the introduction of the Habeas Data law in Colombia.