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11 Feb 2015
Research & Ideas

Politicians Benefited From Using Toxic Loans

leading bank in the market as of December 31, 2009. (Shortly thereafter, Dexia fell apart in the European debt crisis.) The data showed that so-called structured loans accounted for 20.1 percent of the 52... View Details

Keywords: by Carmen Nobel; Financial Services

Article

What Do State-Owned Development Banks Do? Evidence from BNDES, 2002–09

By: Sergio G. Lazzarini, Aldo Musacchio, Rodrigo Bandeira-de-Mello and Rosilene Marcon

Defendants of state-owned development banks emphasize their role in reducing capital constraints and fostering productive investment; detractors point out that they may benefit politically connected capitalists or bail out inefficient firms. We study the effect of... View Details

Keywords: State Capitalism; Development Banks; Industrial Policy; Banking Industry; Brazil

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2000
Other Unpublished Work

Private Versus Public Debt: Evidence from Firms that Replace Bank Loans with Junk Bonds

By: S. C. Gilson and J. Warner

Keywords: Borrowing and Debt; Financing and Loans; Bonds; Banking Industry

April 2010
Case

Jones Electrical Distribution

By: Thomas R. Piper and Jeffrey DeVolder

Jones Electrical Distribution is faced with a need for increased bank financing due to its rapid sales growth. Students must determine the reasons for the rising bank borrowing, estimate the amount of borrowing needed and assess the attractiveness of the loan to the... View Details

Keywords: Financial Analysis; Forecasting; Financing; Bank Loans; Growth Management; Cash Flow; Financing and Loans; Forecasting and Prediction; Distribution Industry

August 2013 (Revised November 2013)
Case

Gordon Brothers: Collateralizing Corporate Loans by Brands

By: Paul Healy and Maria Loumioti

The case explores the collateralization of intellectual property in a loan agreement between a highly leveraged apparel company and a large US bank. Leveraging intangibles in the credit market is a new practice that has significantly grown over the past few years.... View Details

Keywords: Intangible Assets; Accounting; Valuation; Finance; Restructuring; United States

December 1991 (Revised November 1993)
Case

U.S. Bank of Washington

A vice president of the U.S. Bank of Washington, a subsidiary of U.S. Bancorp, is asked to review a $6.5 million loan request from the Redhook Ale Brewery, a Seattle-based microbrewery. The case provides an understanding of the U.S. commercial banking industry and the... View Details

Keywords: Cash Flow; Financing and Loans; Financial Statements; Commercial Banking; Banking Industry; Seattle

October 2013 (Revised November 2013)
Case

Blackstone and the Sale of Citigroup's Loan Portfolio

By: Victoria Ivashina and David Scharfstein

The credit boom that preceded the 2007-2009 financial crisis led to several lending practices that exposed banks to large risks. In particular, when the financial crisis unraveled, there were several billion dollars' worth of leveraged buyout (LBO) loans that were... View Details

Keywords: Restructuring; Private Equity; Insolvency and Bankruptcy; Credit Derivatives and Swaps; Financial Markets; Investment; Banking Industry; Banking Industry

September 2011
Case

China Development Bank

By: Li Jin, Matthew Preble and Aldo Sesia

In May 2011, Chairman Chen Yuan of the China Development Bank (CDB) was thinking back on CDB's financing of a major project between Petroleo Brasileiro SA (Petrobras), Brazil's state-owned oil and gas producer and China Petroleum & Chemical Corporation (Sinopec), one... View Details

Keywords: International Finance; Emerging Markets; Energy Sources; Banks and Banking; Energy Industry; Brazil; China

June 2023
Case

Accounting for Loan Losses at JPMorgan Chase: Predicting Credit Costs

By: Jonas Heese, Jung Koo Kang and James Weber

The case examines the accounting for loan losses at a large bank, how a bank sets its Allowance for Loan and Lease Losses (ALLL) on its financial statements. ALLL, and the rules that set them, determine when banks would and would not extend loans, which significantly... View Details

Keywords: Accounting Standards; Accrual Accounting; Financial Statements; Financial Reporting; Banks and Banking; Financing and Loans; Banking Industry; United States

April 2008
Teaching Note

Leveraged Loans 2007 (TN)

By: Andre F. Perold and Erik Stafford

Teaching Note for 208-145. View Details

Keywords: Banking Industry; Banking Industry

June 2024 (Revised February 2025)
Case

Accounting for Loans at SoFi Technologies

By: Joseph Pacelli and Michael Norris

At the release of its first quarter earnings report on May 1, 2023, digital bank SoFi beat its earnings guidance by 25%. On May 2, Wedbush Securities analyst David Chiaverini issued a report downgrading the stock. A second downgrade followed from Chiaverini on May 15.... View Details

Keywords: Accounting; Banks and Banking; Financing and Loans; Valuation; Stocks; Banking Industry; United States

November 2024
Supplement

Clara Wu Tsai and Brooklyn Loan Innovation (B)

By: Archie Jones, Mathieu Davis, Mourya Mamidala and Max Hancock

This (B) case provides an update on “Clara Wu Tsai and Brooklyn Loan Innovation (A)” View Details

Keywords: Business Startups; Social Entrepreneurship; Venture Capital; Banks and Banking; United States; New York (city, NY)

March 2011
Article

Institutional Demand Pressure and the Cost of Corporate Loans

By: Victoria Ivashina and Zheng Sun

Between 2001 and 2007, annual institutional funding in highly leveraged loans went up from $32 billion to $426 billion, accounting for nearly 70% of the jump in total syndicated loan issuance over the same period. Did the inflow of institutional funding in the... View Details

Keywords: Leveraged Buyouts; Financial Crisis; Credit; Debt Securities; Financing and Loans; Interest Rates; Investment

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September 1991 (Revised April 1994)
Case

First National Bank Corp. (A)

First National Bank Corp., a major regional bank in the Northeast, must decide how large a provision for credit losses to accrue in its 1990 financial statements. The recession in New England has caused serious problems in its loan portfolio. View Details

Keywords: Financing and Loans; Financial Statements; Banks and Banking; Banking Industry; Northeastern United States

22 May 2019
Research & Ideas

Forgiving Student Loan Debt Leads to Better Jobs, Stronger Consumers

borrowers who have fallen behind in an aggressive attempt to collect on the loans. But the company had bought these loans from a series of banks and other financial institutions, and when the View Details

Keywords: by Dina Gerdeman

24 Mar 2020
Working Paper Summaries

Free Riding in Loan Approvals: Evidence From SME Lending in Peru

Keywords: by Irani Arraiz, Miriam Bruhn, Benjamin N. Roth, Claudia Ruiz-Ortega, and Rodolfo Stucchi

November 2000 (Revised May 2002)
Case

FleetBoston Financial: Online Banking

By: Frances X. Frei and Hanna Rodriguez-Farrar

As the ninth largest bank holding company in the United States in 2000, FleetBoston Financial Corp. provided a myriad of financial services, including retail banking, loan origination, and brokerage accounts. This case explores how FleetBoston responded to the Internet... View Details

Keywords: Business Model; Borrowing and Debt; Cost Management; Banks and Banking; Consumer Behavior; Service Operations; Competition; Online Technology; Banking Industry; United States

March 2000 (Revised May 2001)
Case

Silicon Valley Bank

By: G. Felda Hardymon and Ann Leamon

Silicon Valley Bank, a $4 billion institution in California, has made its reputation by working with venture capitalists in backing start-up companies. In 1999, it is forced to compete with nonbank financial institutions that can give money on better terms and in a... View Details

Keywords: Banks and Banking; Business Startups; Competitive Strategy; Financial Institutions; Financing and Loans; Financial Markets; Venture Capital; Private Equity; Entrepreneurship; Banking Industry; Banking Industry; California

2020
Working Paper

The Cost of Banking Deserts: Racial Disparities in Access to PPP Lenders and their Equilibrium Implications

By: Jeffrey Wang and David Hao Zhang

Many government support programs for small businesses are designed to pass through banks and credit unions. However, this poses barriers for minority communities that are less connected to financial institutions for obtaining this support. Using the latest program for... View Details

Keywords: Banking Deserts; Minority Communities; Paycheck Protection Program; Banks and Banking; Small Business; Demographics; Race; Government and Politics; Programs

Forthcoming
Article

Arbitrage Capital of Global Banks

By: Alyssa G. Anerson, Wenxin Du and Bernd Schlusche

We show that the role of unsecured, short-term wholesale funding for global banks has changed significantly in the post-financial-crisis regulatory environment. Global banks mainly use such funding to finance liquid, near risk-free arbitrage positions—in particular,... View Details

Keywords: Governing Rules, Regulations, and Reforms; Banks and Banking; Interest Rates; Financing and Loans

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