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  • January 2014 (Revised February 2014)
  • Case

Japan: Betting on Inflation?

By: Julio J. Rotemberg
The case focuses on the challenges still confronting Prime Minister Shinzo Abe at the end of 2013, a year after he has been in office. It also gives an overview of Japan's earlier economic performance, focusing primarily on the period after it suffered a stock market... View Details
Keywords: Quantitative Easing; Debt Sustainability; International Relations; Borrowing and Debt
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    Robert C. Merton

    Robert C. Merton is the School of Management Distinguished Professor of Finance at the MIT Sloan School of Management.

    Merton is University Professor Emeritus at Harvard University and was the George Fisher Baker Professor of... View Details

    Keywords: banking; banking; banking; banking; banking; banking
    • 21 Jul 2014
    • Research & Ideas

    Is a Gap in Small-Business Credit Holding Back the American Economy?

    (Editor's note: This first in a series of articles based on a Harvard Business School working paper by Karen Mills that analyzes the current state of availability of bank capital for small business.) Small businesses are core to America's... View Details
    Keywords: by Karen Mills; Manufacturing
    • July 2021
    • Teaching Plan

    Aligning Mission and Margin at Southern Bancorp

    By: Rebecca Henderson, Brian Trelstad and Eren Kuzucu
    Teaching Plan for HBS Case No. 321-099. In October 2020, after spending almost a decade to turnaround Southern Bancorp, an Arkansan bank founded with the mission to provide financial services to rural, underserved communities, CEO Darrin Williams is wondering how... View Details
    Keywords: Racial Wealth Gap; Banks and Banking; Growth and Development; Corporate Social Responsibility and Impact; Mission and Purpose; Going Public; Investment Return; Social Issues; Wealth and Poverty; Banking Industry; Banking Industry; United States; Arkansas
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    • 2022
    • Article

    Regulatory Treatment of Changes in Fair Value and the Composition of Banks' Investment Portfolios

    By: Michael Iselin, Jung Koo Kang and Joshua Madsen
    In their implementation of Basel III, U.S. bank regulators are again including changes in the fair value of available-for-sale (AFS) debt securities in Tier 1 capital, but only for the largest U.S. banks. This paper investigates a potential impact of expanding this... View Details
    Keywords: Fair Value Accounting; SFAS 115; Basel III; Governing Rules, Regulations, and Reforms; Banks and Banking; Debt Securities; Credit; Risk and Uncertainty; Investment Portfolio; Decision Making; Banking Industry; United States
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    • March–April 2015
    • Article

    The Almighty Ruble

    By: Debora L. Spar
    At 1 AM Moscow time on December 16, Russia's central bank announced a massive hike in the country's interest rate, from 10.5% to 17%. It's not clear how Russian leader Vladimir Putin and his colleagues could realistically have expected to achieve anything by hiking the... View Details
    Keywords: Monetary Policy; Economy; Policy; Currency; Interest Rates; Sovereign Finance; Russia
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    • May 2010 (Revised September 2013)
    • Case

    Friend Bank: The Time for Hope

    By: Clayton S. Rose and Aldo Sesia
    In 2010, Friend Bank was entering the fifth year of Hope Harris Johnson's ambitious 20-year growth plan to transform her family's one branch community bank into an institution with a substantial presence in southeastern Alabama. Harris Johnson was pleased, so far, with... View Details
    Keywords: Family Business; Financial Crisis; Banks and Banking; Growth and Development Strategy; Risk Management; Family Ownership; Competitive Advantage; Banking Industry; Alabama
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      Lauren H. Cohen

      Lauren Cohen is the L.E. Simmons Professor in the Finance & Entrepreneurial Management Units at Harvard Business School and a Research Associate at the National Bureau of Economic Research. He is an Editor of the Review of Financial... View Details

      Keywords: investment banking industry; investment banking industry; investment banking industry; investment banking industry; investment banking industry; investment banking industry
      • Forthcoming
      • Article

      When Should Public Programs Be Privately Administered? Theory and Evidence from the Paycheck Protection Program

      By: Alexander W. Bartik, Zoë Cullen, Edward L. Glaeser, Michael Luca, Christopher Stanton and Adi Sunderam
      What happens when public resources are allocated by private companies whose objectives may be imperfectly aligned with policy goals? We study this question in the context of the Paycheck Protection Program (PPP), which relied on private banks to disburse aid to small... View Details
      Keywords: Paycheck Protection Program; Targeting; Impact; Entrepreneurship; Health Pandemics; Small Business; Financing and Loans; Outcome or Result; United States
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      • 2014
      • Working Paper

      The State of Small Business Lending: Credit Access During the Recovery and How Technology May Change the Game

      By: Karen G. Mills and Brayden McCarthy
      Small businesses are core to America's economic competitiveness. Not only do they employ half of the nation's private sector workforce—about 120 million people—but since 1995 they have created approximately two-thirds of the net new jobs in our country. Yet in recent... View Details
      Keywords: Small Business; Financing and Loans; United States
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      • December 2023
      • Case

      Davivienda Bank's Upskilling and Reskilling Strategy in Colombia

      By: Jorge Tamayo, Raffaella Sadun and Jenyfeer Martinez Buitrago
      Set in 2022, this case describes the digital transformation strategy of Davivienda— a leading player in Colombia’s commercial banking and one of the companies belonging to Grupo Bolívar, a major Colombian financial conglomerate—and the bank’s upskilling and reskilling... View Details
      Keywords: Change Management; Transformation; Decision Choices and Conditions; Digital Strategy; Digital Transformation; Internet and the Web; Mobile and Wireless Technology; Innovation and Management; Innovation Strategy; Growth and Development Strategy; Business Strategy; Corporate Strategy; Organizational Culture; Talent and Talent Management; Training; Banking Industry; Latin America; Central America; South America; Colombia
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      • October 1999 (Revised July 2002)
      • Case

      WingspanBank.com (A)

      By: Sandra J. Sucher and Daniel Galvin
      The case describes the new product development process for WingspanBank.com, an Internet-only financial services "infomediary" created by a team from Bank One's First USA division. The creation of the bank is described from concept development to prelaunch decision... View Details
      Keywords: Business Startups; Decision Making; Information Management; Management Practices and Processes; Managerial Roles; Product Development; Performance Consistency; Competitive Advantage; Internet; Financial Services Industry; Web Services Industry; United States
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      • March 2005 (Revised July 2007)
      • Case

      Capital Controls in Chile in the 1990s (A)

      By: Laura Alfaro, Rafael M. Di Tella and Ingrid Vogel
      In 1991, Chile adopted a framework of capital controls focused on reducing the massive flows of foreign investment coming into the country as international interest rates remained low. Capital inflows threatened the Central Bank's ability to manage the exchange rate... View Details
      Keywords: Developing Countries and Economies; Economic Growth; Financial Crisis; Capital; Governance Controls; Business and Government Relations; Chile
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      • November 1994
      • Case

      Citibank European Strategy & Organization

      By: Michael Y. Yoshino and Thomas W. Malnight
      Examines strategic and organizational issues facing Citibank as it pursues a highly focused strategy in Europe in the face of increasing competition. Central in this consideration is the role of the European regional organization. View Details
      Keywords: Management; Growth and Development Strategy; Organizational Design; Competitive Strategy; Competition; Banking Industry; Europe
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      • 05 Feb 2015
      • Research & Ideas

      How New BofA Executives Learn its ’Deep Smarts’

      Company's Deep Smarts offers a roadmap for ensuring that critical knowledge remains in the organization. This excerpt focuses on the executive onboarding practice at Bank of America. Dorothy Leonard is the William J. Abernathy Professor... View Details
      Keywords: Re: Dorothy A. Leonard; Banking
      • 2006
      • Other Unpublished Work

      Does Banks' Corporate Control Benefit Firms? Evidence from US Banks' Control over Firms' Voting Rights

      By: Joao A.C. Santos and Kristin Wilson
      In this paper we examine the importance of banks' corporate control over their borrowers by investigating the loan pricing effect of banks' voting stakes in borrowers. We exploit the fact that banks may hold shares of firms in a fiduciary capacity to identify a clean... View Details
      Keywords: Voting; Corporate Governance; Commercial Banking; Banking Industry; United States
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      • January 1995 (Revised October 1995)
      • Case

      Citibank: Global Customer Management

      By: Michael Y. Yoshino and Thomas W. Malnight
      Describes Citibank's worldwide operations, which include activities in developing and developed markets. The bank's structure also varies across markets and regions, varying from autonomous national affiliates to an industry/product-based structure in its domestic U.S.... View Details
      Keywords: Customer Focus and Relationships; Global Range; Cross-Cultural and Cross-Border Issues; Multinational Firms and Management; SWOT Analysis; Emerging Markets; Banking Industry; United States
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      • 22 Jan 2013
      • First Look

      First Look: Jan. 22

      a premium to accommodate expectations shocks from extrapolative traders, but markets are not efficient. Download the paper: http://papers.nber.org/papers/w18686 These Are the Good Old Days: Foreign Entry and the Mexican Banking System... View Details
      Keywords: Sean Silverthorne
      • October 2000
      • Article

      BanCrecen

      By: S. Dario, E.L. Montiel and Tatiana Sandino
      This case describes the aggressive entry of BanCrecen, an affiliate of the Mexican bank BanCrecer, in Costa Rica in 1994. Its strategy, like that of the Mexican home office, was to focus on personal banking, with the rapid expansion of neighborhood branches and strong... View Details
      Keywords: Expansion; Globalization; Banks and Banking; Banking Industry; Costa Rica; Mexico
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      • September 2010 (Revised December 2010)
      • Case

      Santander Consumer Finance

      By: J. Gunnar Trumbull, Elena Corsi and Andrew Barron
      A Spanish company has to decide if they should expand into the fragmented European consumer finance market and has to make important organizational strategy decisions in the midst of the world economic downturn that followed the 2007 U.S. credit crunch. Since 2002, the... View Details
      Keywords: Borrowing and Debt; Financial Markets; International Finance; Personal Finance; Consolidation; Corporate Strategy; Expansion; Financial Services Industry; European Union; Spain
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