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- All HBS Web
(526)
- News (150)
- Research (293)
- Events (1)
- Multimedia (9)
- Faculty Publications (114)
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- February 2016
- Case
BancoSol and Microfinance in Bolivia
By: Rajiv Lal and Annelena Lobb
BancoSol, a microfinance bank headquartered in La Paz, Bolivia, was forced to adjust its lending strategy and business model because of a regulatory change—60% of the bank's lending portfolio would have to move to the productive sector of the Bolivian economy by 2018,... View Details
Keywords: Microfinance; Banks and Banking; Governing Rules, Regulations, and Reforms; Business Model; Strategy; South America; Bolivia
Lal, Rajiv, and Annelena Lobb. "BancoSol and Microfinance in Bolivia." Harvard Business School Case 516-005, February 2016.
- February 2018
- Supplement
Robert K. Steel at Wachovia (B)
By: Gautam Mukunda, Nien-hê Hsieh and David Lane
In September 2008, Robert Steel presided over the sale of Wachovia, a top U.S. bank, less than three months after becoming its CEO. Wachovia’s exposure to risky home loans led depositors and creditors to flee the bank on Friday, September 26, after the FDIC seized and... View Details
Keywords: Leadership; Financial Crisis; Robert Steel; Wachovia; Sheila Bair; Richard Kovacevich; Wells Fargo; Vikram Pandit; Citigroup; FDIC; Tim Geithner; Mortgage Lending; Contagion; Mergers And Acquisitions; Financial Services; Banking; Decision Making; Ethics; Fairness; Finance; Leadership Style; Crisis Management; Management Style; Risk Management; Negotiation; Business and Stakeholder Relations; Banking Industry; United States
Mukunda, Gautam, Nien-hê Hsieh, and David Lane. "Robert K. Steel at Wachovia (B)." Harvard Business School Supplement 418-056, February 2018.
- 13 Mar 2023
- Research & Ideas
What Would It Take to Unlock Microfinance's Full Potential?
the sector’s success, but to what extent have the loans meaningfully improved livelihoods? That question has been more difficult to track, say Natalia Rigol and Ben Roth. Both development economists and assistant professors at Harvard View Details
- August 2019
- Case
ClearScore, 2018
By: John R. Wells and Benjamin Weinstock
In October 2017, Experian, one of the “Big Three” consumer credit reporting agencies in the United Kingdom made an offer to acquire ClearScore for a total consideration of £293 million. Founded by Justin Basini, Dan Cobley, and Nigel Morris in 2014, ClearScore was the... View Details
Keywords: Fintech; Financial Services; Credit Card; Credit Scores; Startup; Start-up; Startup Financing; Startup Marketing; ＂Marketing Analytics＂; Regulation; Lending; Television Advertising; Entrepreneur; Entrepreneurial Mindset; Entrepreneurial Ventures; Entrepreneurs; Global Business; Rapid Growth Stage; Risk; Net Present Value; Testing; Testing Strategy; Geographies; Mergers ＆ Acquisitions; Finance; Strategy; Credit; Business Startups; Entrepreneurship; Expansion; Mergers and Acquisitions; Financial Services Industry; United Kingdom; South Africa
Wells, John R., and Benjamin Weinstock. "ClearScore, 2018." Harvard Business School Case 720-369, August 2019.
- February 2018
- Case
Robert K. Steel at Wachovia (A)
By: Gautam Mukunda, Nien-hê Hsieh and David Lane
In September 2008, Robert Steel presided over the sale of Wachovia, a top U.S. bank, less than three months after becoming its CEO. Wachovia’s exposure to risky home loans led depositors and creditors to flee the bank on Friday, September 26, after the FDIC seized and... View Details
Keywords: Leadership; Financial Crisis; Robert Steel; Wachovia; Sheila Bair; Richard Kovacevich; Wells Fargo; Vikram Pandit; Citigroup; FDIC; Tim Geithner; Mortgage Lending; Contagion; Mergers And Acquisitions; Financial Services; Banking; Decision Making; Ethics; Fairness; Finance; Leadership Style; Crisis Management; Management Style; Risk Management; Negotiation; Business and Stakeholder Relations; Banking Industry; United States
Mukunda, Gautam, Nien-hê Hsieh, and David Lane. "Robert K. Steel at Wachovia (A)." Harvard Business School Case 418-055, February 2018.
- 13 Aug 2012
- Research & Ideas
When Good Incentives Lead to Bad Decisions
employment and economic growth," Cole explains. "But they often find it hard to get access to financing because they lack the large amounts of collateral that banks typically require. So we were interested in studying this small View Details
- October 1990
- Case
Manufacturers Hanover Corp.: Customer Profitability Report
By: Robert S. Kaplan
Banking company noting declining profitability from its traditional lending activities has started to measure the total profitability of its lending relationships. A loan pricing model estimates the profit and return-on-equity from commercial loans. Additional work was... View Details
Keywords: Investment Return; Revenue; Commercial Banking; Banks and Banking; Customer Value and Value Chain; Banking Industry
Kaplan, Robert S. "Manufacturers Hanover Corp.: Customer Profitability Report." Harvard Business School Case 191-068, October 1990.
- February 2012 (Revised July 2012)
- Case
China Risk Finance: Riding the Wave of China's Financial Services Industry
By: Regina M. Abrami, Matthew Shaffer and Weiqi Zhang
With China shifting toward a consumer-led growth model, non-bank lending has a critical role to play, but how easy is it to do business in this sector? What are the promises and pitfalls of the industry, and how well is Zane Wang, the case protagonist, navigating them? View Details
Abrami, Regina M., Matthew Shaffer, and Weiqi Zhang. "China Risk Finance: Riding the Wave of China's Financial Services Industry." Harvard Business School Case 912-417, February 2012. (Revised July 2012.)
- October 2013 (Revised September 2014)
- Case
The TELUS Share Conversion Proposal
By: Lucy White, Benjamin C. Esty and Lisa Mazzanti
On February 21, 2013, TELUS announced a proposal to convert the firm's non-voting shares into voting shares on a one-to-one basis, thereby eliminating the firm's dual class structure. Shareholders were scheduled to vote on the proposal at the firm's annual general... View Details
Keywords: Proxy Contest; Proxy Battle; Proxy Advisor; ISS; Glass Lewis ＆ Co.; Hedge Fund; Short Selling; Share Lending; Telecommunications; Voting Rights; Empty Voting; Equity Decoupling; Share Unification; Dual Class Shares; Canada; Exchange Ratio; Shareholder Activism; Shareholder Votes; Investment Activism; Public Equity; Capital Structure; Investment Return; Corporate Governance; Corporate Finance; Ownership Stake; Business and Shareholder Relations; Valuation; Telecommunications Industry; Canada; British Columbia; United States; New York (city, NY)
White, Lucy, Benjamin C. Esty, and Lisa Mazzanti. "The TELUS Share Conversion Proposal." Harvard Business School Case 214-001, October 2013. (Revised September 2014.)
- March 2016 (Revised August 2016)
- Case
CreditEase: Taking Inclusive Finance Online
By: Michael Chu, John S. Ji and Nancy Hua Dai
The world’s largest peer-to-peer (P2P) lender annually disbursing over a million loans totaling $10 billion, China’s CreditEase, must decide whether to IPO in the NYSE its online lending platform, Yirendai, before the year-end window closes in 2015. Yirendai sought to... View Details
Keywords: Business or Company Management; Internet and the Web; Financing and Loans; Credit; Growth and Development Strategy; Financial Services Industry; China
Chu, Michael, John S. Ji, and Nancy Hua Dai. "CreditEase: Taking Inclusive Finance Online." Harvard Business School Case 316-151, March 2016. (Revised August 2016.)
- November 2021 (Revised January 2022)
- Case
Scott Tucker (A): Race to the Top
By: Aiyesha Dey and Amram Migdal
The case tells the story of the rise and fall of Scott Tucker, an entrepreneur, businessman, passionate race car driver, competitor, and owner of a professional racing team. From 1997 to 2012, Tucker built a nationwide network of payday lending businesses, becoming a... View Details
Keywords: Business Ventures; Crime and Corruption; Ethics; Fairness; Financing and Loans; Personal Finance; Governance; Corporate Accountability; Corporate Governance; Governance Compliance; Governance Controls; Financial Services Industry; United States
Dey, Aiyesha, and Amram Migdal. "Scott Tucker (A): Race to the Top." Harvard Business School Case 122-009, November 2021. (Revised January 2022.)
- January 2009
- Article
Bank Debt and Corporate Governance
By: Victoria Ivashina, Vinay Nair, Anthony Saunders, Nadia Massoud and Roger Stover
In this paper, we investigate the disciplining role of banks and bank debt in the market for corporate control. We find that relationship bank lending intensity and bank client network have positive effects on the probability of a borrowing firm becoming a target. This... View Details
Keywords: Corporate Governance; Borrowing and Debt; Banks and Banking; Business and Stakeholder Relations; Governance Controls; Managerial Roles
Ivashina, Victoria, Vinay Nair, Anthony Saunders, Nadia Massoud, and Roger Stover. "Bank Debt and Corporate Governance." Review of Financial Studies 22, no. 1 (January 2009): 41–77.
- May 2001 (Revised November 2014)
- Background Note
The Income Statement
By: David F. Hawkins and Jacob Cohen
Includes a description of the common components of the income statement. Includes examples of the income statements of Home Depot, Inc., Lucent Technology, Inc., Gap, Inc., and McDonald's Corp. and lends itself to a brief discussion regarding these companies. View Details
Hawkins, David F., and Jacob Cohen. "The Income Statement." Harvard Business School Background Note 101-109, May 2001. (Revised November 2014.)
- October 2024
- Case
Tonik
By: Andy Wu, Maliha Malek Quadir and Aticus Peterson
This case study examines Tonik, the first digital bank in the Philippines, as it navigates the challenges of scaling its lending operations and achieving profitability in an evolving fintech landscape. It explores Tonik's journey from its launch in 2018 to early 2024,... View Details
- March 2022
- Article
Contractual Restrictions and Debt Traps
By: Ernest Liu and Benjamin N. Roth
Microcredit and other forms of small-scale finance have failed to catalyze entrepreneurship in developing countries. In these credit markets, borrowers and lenders often bargain over not only the interest rate but also implicit restrictions on types of investment. We... View Details
Liu, Ernest, and Benjamin N. Roth. "Contractual Restrictions and Debt Traps." Review of Financial Studies 35, no. 3 (March 2022): 1141–1182.
- 06 Nov 2018
- First Look
New Research and Ideas, November 6, 2018
average, NPEs appear to behave as opportunistic “patent trolls.” NPEs sue cash-rich firms and target cash in business segments unrelated to alleged infringement at essentially the same frequency as they target cash in segments related to... View Details
Keywords: Dina Gerdeman
- 2022
- Working Paper
Distributional Consequences of Monetary Policy Across Races: Evidence from the U.S. Credit Register
By: Laura Alfaro, Ester Faia and Camelia Minoiu
We examine the consequences of monetary policy on racial disparities, focusing on the role of bank lending to firms through collateral and selection channels. Leveraging comprehensive loan-level data from the U.S. credit register (Y-14Q) of the Federal Reserve, we show... View Details
Keywords: Monetary Policy Transmission; Inequity; Credit Registry; Wealth; Collateral Channel; Selection; Racial Disparity; Racial Inequality; Equality and Inequality; Banks and Banking; Credit; Governing Rules, Regulations, and Reforms; Banking Industry; United States
Alfaro, Laura, Ester Faia, and Camelia Minoiu. "Distributional Consequences of Monetary Policy Across Races: Evidence from the U.S. Credit Register." Harvard Business School Working Paper, No. 22-068, April 2022.
- October 2018
- Case
African Bank Investments Limited (A)
By: Lynn S. Paine and Will Hurwitz
Less than a year after joining the board of African Bank Investments Limited (ABIL), the newest director finds himself in difficult discussions with other directors about removing the struggling company’s CEO. The case is set in South Africa in mid-2014 as shares in... View Details
Keywords: Ethics; Personal Finance; Corporate Accountability; Governing and Advisory Boards; Corporate Governance; Crisis Management; Insurance; Leadership; Management; Risk Management; Banking Industry; Financial Services Industry; Insurance Industry; Africa; South Africa
Paine, Lynn S., and Will Hurwitz. "African Bank Investments Limited (A)." Harvard Business School Case 319-052, October 2018.
- October 2018
- Supplement
African Bank Investments Limited (B)
By: Lynn S. Paine and Will Hurwitz
Less than a year after joining the board of African Bank Investments Limited (ABIL), the newest director finds himself in difficult discussions with other directors about removing the struggling company’s CEO. The case is set in South Africa in mid-2014 as shares in... View Details
Keywords: Ethics; Personal Finance; Corporate Accountability; Governing and Advisory Boards; Corporate Governance; Crisis Management; Insurance; Leadership; Management; Risk Management; Banking Industry; Financial Services Industry; Insurance Industry; Africa; South Africa
Paine, Lynn S., and Will Hurwitz. "African Bank Investments Limited (B)." Harvard Business School Supplement 319-053, October 2018.
- July 2009 (Revised January 2012)
- Case
Risk Management at Wellfleet Bank: All That Glitters Is Not Gold
By: Anette Mikes
This case motivates a debate on the role of staff functions, such as risk management: what does it mean for them to be independent, and at the same time, to partner the business lines? The case describes the risk assessment process in the corporate banking arm of... View Details
Keywords: Decision Choices and Conditions; Judgments; Credit; Banks and Banking; Governance Controls; Risk Management; Mathematical Methods
Mikes, Anette. "Risk Management at Wellfleet Bank: All That Glitters Is Not Gold." Harvard Business School Case 110-011, July 2009. (Revised January 2012.)