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She notes that there is a common saying, "the Iron Bank will have its due", which the bank reminds its clients almost as often as Tywin's family reminds its enemies that "a Lannister always pays his debts".
Tywin tries to brush this aside by saying that he isn't afraid of the Iron Bank, but Olenna chides him that he is lying, as they both know that he's smart enough to realize he should fear running afoul of the Iron Bank of Braavos.
Reacting to the news of Joffrey's death at his own wedding , Stannis is still discouraged because he does not have sufficient remaining soldiers to seize on this opportunity.
Davos suggests that they could attempt to hire mercenary companies from the Free Cities, but Stannis scoffs that they don't have any gold left either.
The Crown now owes the Iron Bank "a tremendous amount of money", and that the gold mines of the Westerlands actually ran dry three years ago.
Therefore, even though Tywin admits the Lannisters can trust nobody except themselves, they need the Tyrells' wealth and resources on their side.
Cersei suggests coming to some arrangement with one of their representatives, but Tywin dismisses the idea, since the Bank is a monolithic structure that cannot be avoided, lied to, or swayed.
Some time later, Stannis and Davos travel to Braavos and are received by Tycho Nestoris and two of his colleagues.
When they ask the bank to fund their continuing campaign in Westeros, Nestoris points out their weak position and is ready to dismiss them.
Davos speaks up, relating how he came into Stannis's service, how the latter is a just man who keeps his word, and how he is the best chance for the Iron Bank to get its money back upon the chaos that would follow the death of the elderly Tywin.
After Tywin is gone and with Tyrion arrested, soon to be either dead or disowned the only leaders "House Lannister" will be left with are the despised Cersei, Jaime, and the boy-king Tommen - none of whom have great political or financial skill.
This gives the bankers some second thoughts about how successful the Lannisters will be in the long run, and they agree to extend a new provisional loan to Stannis.
Stannis used the money to resupply his remaining troops and re-hire Salladhor Saan 's sellsail fleet to transport them from Dragonstone to the Wall , just in time to decisively intervene at the Battle of Castle Black.
As predicted, following Tywin's death the Iron Bank starts to lose even more faith in the Lannisters and their puppet Tommen on the Iron Throne.
Before long, the bank decides to pressure them by calling in a tenth of the debts that the Iron Throne owes it. Newly appointed Master of Coin Mace Tyrell observes that the Iron Throne physically only possesses about half that much money or, about one twentieth of the total, huge amount they owe the bank.
Instead, she decides to send Lord Tyrell himself to Braavos to negotiate a new deal with the Iron Bank, hoping that sending such a high official to treat with them in person will placate them.
Unfortunately, Stannis, whom the Iron Bank decided to secretly support after being convinced by Davos, is killed after his failed assault on Winterfell , meaning that the Iron Bank lost their investment that they made with him.
Cersei convinces Nestoris that the Iron Throne will pay its debts unlike Daenerys's faction. She promises to settle the Iron Throne's debts within a fortnight.
This pleases Nestoris, who describes Cersei as her father's daughter. Pleased with Cersei's progress, Tycho promises that Cersei may take out a new loan when the previous one has been paid with the Tyrell gold.
Cersei reveals that she intends to hire the Golden Company ; Tycho approves, commenting that it helped the bank to collect significant overdue loans.
In the A Song of Ice and Fire novels, the Iron Bank of Braavos is the most powerful banking institution in the known world, richer and more powerful than the banks of all the other eight Free Cities combined, and with a fearsome reputation when collecting debts.
When princes or kings default on their debts or are foolish enough not to honor their agreements with the Iron Bank, new princes and kings appear with the Iron Bank's support.
Though all the Free Cities have their own banks, the Iron Bank is richer and more powerful than the others combined and has a fearsome reputation when collecting debts.
These new princes and kings then honor the previous debt along with paying back the money the bank loaned them in claiming their new power, lest they suffer the same fate as their predecessors.
According to Matthar, the Iron Bank was founded by sixteen men and seven women who hid valuables in an abandoned iron mine shortly after the foundation of Braavos.
Each of the twenty-three founders had a key to these great subterranean vaults, and their descendants—now numbering at least one thousand—are known as " keyholders ".
The bank paid settlements to the grandchildren of the shipowners whose vessels had been seized by the fugitive founders of Braavos, but not for the slaves.
Meeting with Septon Barth , the Sealord urged the bank to forgive the principal of Rego's loan. During the Dance of the Dragons in Westeros , Ser Tyland Lannister of the greens entrusted one quarter of the crown's gold from the royal treasury to the Iron Bank for safekeeping.
Lord Unwin Peake was forced to borrow from the Iron Bank to help pay the indemnity, however. Moredo Rogare borrowed money from the Iron Bank and sailed for Tyrosh.
Bronn informs Tyrion Lannister , the acting Hand to King Joffrey I Baratheon , that a moneylender from Braavos has come to the city and requests to see the king for payment on some loans.
Tyrion tells Bronn to send the moneylender to Petyr to keep him busy. Queen Regent Cersei Lannister and the small council decides to defer payments on the loans they have from the Iron Bank.
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