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- September 2010 (Revised January 2012)
- Case
Mobile Banking for the Unbanked
By: V. Kasturi Rangan and Katharine Lee
The case describes in detail the workings of two mobile banking operators in Africa—WIZZIT in South Africa and M-PESA in Kenya. It explores the dimensions of strategy that make for success in the market for the unbanked. It raises questions regarding the portability of... View Details
- 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
- September 2010 (Revised November 2010)
- Case
J.P. Morgan Private Bank: Risk Management during the Financial Crisis 2008-2009
By: Anette Mikes, Clayton S. Rose and Aldo Sesia
Mary Erdoes, the CEO of JP Morgan's asset management business, and three colleagues provide insights into risk management issues faced by the firm's private bank during the financial crisis in 2008–2009. The case provides perspective on the philosophy with which they... View Details
- September 2010 (Revised July 2012)
- Case
Citigroup 2007: Financial Reporting and Regulatory Capital
By: Suraj Srinivasan, Edward J. Riedl and Sharon Katz
This case introduces 1) financial statements for banks, 2) basic regulatory capital calculations, and 3) actions Citigroup must consider under a scenario of continued losses/fair value declines in 2008 (leading to potential violation of regulatory capital). View Details
- September 2010
- Article
Bank Lending During the Financial Crisis of 2008
This paper documents that new loans to large borrowers fell by 47% during the peak period of the financial crisis (fourth quarter of 2008) relative to the prior quarter and by 79% relative to the peak of the credit boom (second quarter of 2007). New lending for real... View Details
- fall 2010
- Article
Lawsuits and Empire: On the Enforcement of Sovereign Debt in Latin America
By: Faisal Z. Ahmed, Laura Alfaro and Noel Maurer
The re-occurring phenomenon of sovereign default has prompted an enormous theoretical and empirical literature. Most of this research has focused on why countries ever chose to pay their debts (or why private creditors ever expected repayment). The problem originates... View Details
- August 2010 (Revised May 2015)
- Teaching Note
Bank of America: Mobile Banking and Bank of America: Mobile Banking (Abridged)
By: Sunil Gupta
Teaching Note for 510063 and 512082 View Details
- July 2010
- Technical Note
Note on the Banking Industry
By: Clayton S. Rose and Scott Waggoner
This note provides an overview of the structure and function of the banking industry, with a primary focus on the U.S. It was designed to support the HBS MBA course "Managing the Financial Firm." View Details
- July 2010 (Revised May 2014)
- Teaching Note
Ingrid Johnson and Nedbank Business Banking
By: Michael L. Tushman and David Kiron
Teaching Note for 410003, and 414709. View Details
- July 2010 (Revised December 2010)
- Case
Post-Crisis Compensation at Credit Suisse (A)
By: Clayton S. Rose and Aldo Sesia
On October 20, 2009, Brady Dougan, the CEO of Credit Suisse Group, announced a new compensation plan for the bank. The announcement had followed quickly on the heels of the G-20 meeting the prior month where, in the wake of the financial crisis, the major governments... View Details
- July 2010
- Supplement
Post-Crisis Compensation at Credit Suisse (B)
By: Clayton S. Rose and Aldo Sesia
The (B) case describes how Credit Suisse management allocated the cost of the 25% U.K. banker's tax among shareholders, U.K. managing directors, and the other employees globally. View Details
- July 2010
- Supplement
Post-Crisis Compensation at Credit Suisse (C)
By: Clayton S. Rose and Aldo Sesia
The (C) case describes the results of Credit Suisse's PIP I program, the value of PAF, shareholders' vote on the new compensation plan supported by management, and the impact of the company's approach to the U.K. banker's tax. View Details
- July 2010 (Revised August 2021)
- Supplement
Vereinigung Hamburger Schiffsmakler und Schiffsagenten e.V. (VHSS): Valuing Ships (CW)
By: Benjamin C. Esty and Albert W. Sheen
After booming for more than five years, the global shipping (maritime) industry experienced a dramatic crash in late 2008 as the global financial system froze and the global economy slid into recession. Ship charter rates (revenue) fell by as much as 90% causing prices... View Details
- June 2010 (Revised August 2021)
- Case
Vereinigung Hamburger Schiffsmakler und Schiffsagenten e.V. (VHSS): Valuing Ships
By: Benjamin C. Esty and Albert Sheen
After booming for more than five years, the global shipping (maritime) industry experienced a dramatic crash in late 2008 as the global financial system froze and the global economy slid into recession. Ship charter rates (revenue) fell by as much as 90% causing prices... View Details
- 2011
- Working Paper
Cyclicality of Credit Supply: Firm Level Evidence
By: Bo Becker and Victoria Ivashina
Theory predicts that there is a close link between bank credit supply and the evolution of the business cycle. Yet fluctuations in bank-loan supply have been hard to quantify in the time-series. While loan issuance falls in recessions, it is not clear if this is due to... View Details
- 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
- May 2010
- Case
Alpen Bank: Launching the Credit Card in Romania
By: V. Kasturi Rangan and Sunru Yong
In 2006, the country manager for Alpen Bank in Romania, Gregory Carle, considers whether to recommend the launch of a credit card business. The firm rejected the idea several years earlier because of poor economic conditions in Romania. However, Romania is experiencing... View Details
- 2010
- Mimeo
An Analysis of the Impact of 'Substantially Heightened' Capital Requirements on Large Financial Institutions
By: Anil Kashyap, Jeremy C. Stein and Samuel G. Hanson
We examine the impact of "substantially heightened" capital requirements on large financial institutions, and on their customers. Our analysis yields three main conclusions. First, the frictions associated with raising new external equity finance are likely to be... View Details
- May 2010
- Article
Loan Syndication and Credit Cycles
By: Victoria Ivashina and David Scharfstein
Cyclicality in the supply of business credit has been the focus of a considerable amount of research. This cyclicality can stem from shocks to borrowers' collateral, which affect firms' ability to raise capital if agency and information problems are significant (Ben S.... View Details
- April 2010
- Case
Bill Nichol Negotiates with Walmart: Hard Bargains over Soft Goods (A)
By: James K. Sebenius and Ellen Knebel
CEO Bill Nichol must somehow negotiate a surprise ultimatum from Walmart, his largest customer, about his largest and most profitable product line: “We're dropping it.” Among its hosiery products, the Kentucky Derby Hosiery Co. produces and sells a branded line of... View Details