Publications

July 2014
Supplement

Barclays Bank and Contingent Capital Notes, 2012 (CW)

By: Lucy White and Trent Kim

In 2012, regulatory changes following the financial crisis mean that Barclays Bank is faced with the need to raise large amounts of capital in order to comply with increased capital requirements, tightening rules as to the "quality of capital," and increased risk... View Details

Keywords: Capital; Financial Crisis; Banks and Banking; Banking Industry

September 2002 (Revised October 2002)
Case

Bank of America (B)

By: Stefan H. Thomke and Ashok Nimgade

Supplements the (A) case. View Details

Keywords: Service Operations; Technology; Banking Industry

August 2003 (Revised June 2005)
Case

Royal Bank of Scotland, The: Masters of Integration

By: Nitin Nohria and James Weber

Describes the acquisition of Nat West by Royal Bank of Scotland. Describes the strategic rationale for the acquisition and the process by which the integration of the two banks was accomplished. The acquisition is remarkable for how successful it was, given the typical... View Details

Keywords: Mergers and Acquisitions; Integration; Banks and Banking; Success; Banking Industry; Scotland

January 1989 (Revised July 1991)
Case

Bank for International Development, Software Case

By: W. Carl Kester and Timothy A. Luehrman

A hypothetical case in which an assistant treasurer of a supranational bank is asked to determine in which currencies it has been cheaper ex post to borrow. An integral part of the case is a Lotus 1-2-3 worksheet containing monthly data on yen and dollar interest... View Details

Keywords: Decisions; Interest Rates; International Finance; Relationships; Currency; Management Analysis, Tools, and Techniques; Analytics and Data Science; Inflation and Deflation

01 Mar 2024
News

Elevator Pitch: Banking On It

Illustration by Drue Wagner Illustration by Drue Wagner Marc Escapa (MBA 2017) Andres Klaric (MBA 2017) Cofounders and co-CEOs, Fuse Concept: Fuse makes it easier for lenders to tackle digital innovation, offering a next-gen loan-origination platform that simplifies... View Details

Keywords: fintech; finance; entrepreneurship; Finance

30 Jun 2013
News

Accounting rule change undermines US banks

01 Oct 2013
News

Banking on Africa's Future

and power generation. Asked to describe an investment that shows the Helios paradigm at work, Lawani, who divides his time equally between London and Africa, points to Kenya. "Several years ago," he explains, "we invested in a bank called... View Details

July 1998 (Revised April 2001)
Case

Bank of Ireland (BOI): Internet Strategy

Conor O'Toole, Internet business executive, must consider how to take the Bank of Ireland on-line. The bank, and Ireland, and most of continental Europe, lagedlagged behind the United States in adopting Internet techologytechnology. O'Toole wondered how he should... View Details

Keywords: Organizational Change and Adaptation; Leading Change; Internet; Banks and Banking; Banking Industry; Republic of Ireland

February 2018
Article

Bank CEO Materialism: Risk Controls, Culture and Tail Risk

By: Robert Bushman, Robert Davidson, Aiyesha Dey and Abbie Smith

We investigate how the prevalence of materialistic bank CEOs has evolved over time and how risk management policies, non-CEO executives’ behavior, and tail risk vary with CEO materialism. We document that the proportion of banks run by materialistic CEOs increased... View Details

Keywords: Management; Personal Characteristics; Behavior; Risk Management; Organizational Culture; Banks and Banking; Banking Industry

2010
Working Paper

Foreign Entry and the Mexican Banking System, 1997-2007

By: Stephen Haber and Aldo Musacchio

What is the impact of foreign bank entry on the pricing and availability of credit in developing economies? The Mexican banking system provides a quasi-experiment to address this question because in 1997 the Mexican government radically changed the laws governing the... View Details

Keywords: Developing Countries and Economies; Credit; Banks and Banking; Financing and Loans; Foreign Direct Investment; Market Entry and Exit; Business and Government Relations; Banking Industry; Mexico

Read Now

03 Dec 2009
News

How to take moral hazard out of banking

February 1984 (Revised March 1985)
Background Note

Trends in Banking Regulation

By: Dwight B. Crane

September 1981
Case

Atlantic National Bank (A)

By: Dwight B. Crane

February 1990
Background Note

Commercial Banking Industry Note

December 1984
Supplement

Inland National Bank (B)

25 Nov 2014
HBS Seminar

Dilip Ratha, World Bank

Bank Capital and the Low Risk Anomaly

Minimum capital requirements are a central tool of banking regulation. Setting them balances a number of factors, including any effects on the cost of capital and in turn the rates available to borrowers. Standard theory predicts that, in perfect and efficient... View Details

May 2019
Article

Marketplace Lending: A New Banking Paradigm?

By: Boris Vallée and Yao Zeng

Marketplace lending relies on large-scale loan screening by investors, a major deviation from the traditional banking paradigm. Theoretically, participation of sophisticated investors in marketplace lending improves screening outcomes but also creates adverse... View Details

Keywords: Marketplace Lending; Screening; Sophisticated Investors; Adverse Selection; Financing and Loans; Performance; Information

March 1974 (Revised June 1996)
Case

First National City Bank Operating Group (A)

By: Jay W. Lorsch

Growth in the banking field has produced new demands on the "back office." Traditional management practices in check processing and paper handling operations have resulted in ten years of cost increases and quality loss. New manager of the operating group faces an... View Details

Keywords: Change Management; Transition; Banks and Banking; Management Practices and Processes; Managerial Roles; Production; Banking Industry