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  • April 2002 (Revised March 2006)
  • Background Note

Economics of Retail Banking Note

By: Frances X. Frei and Dennis Campbell
Explains the financial operations of retail banking, highlighting profitability challenges facing the industry. For U.S. banks, it is quite common for more than half of the customer base to be unprofitable and to have relatively few customers make up the vast majority... View Details
Keywords: Customers; Economics; Cost; Banks and Banking; Profit; Revenue; Service Operations; Banking Industry; United States
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Frei, Frances X., and Dennis Campbell. "Economics of Retail Banking Note." Harvard Business School Background Note 602-153, April 2002. (Revised March 2006.)
  • 30 Nov 2016
  • Working Paper Summaries

The Stock Market and Bank Risk-Taking

Keywords: by Antonio Falato and David Scharfstein; Banking; Banking
  • February–March 2013
  • Article

The Mobile Banking and Payment Revolution

By: Sunil Gupta
Mobile technology is revolutionizing the global banking and payment industry. It offers new opportunities for banks to provide added convenience to their existing customers in developed countries and reach a large population of unbanked customers in emerging markets.... View Details
Keywords: Emerging Markets; Cross-Cultural and Cross-Border Issues; Mobile and Wireless Technology; Banks and Banking; Banking Industry
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Gupta, Sunil. "The Mobile Banking and Payment Revolution." European Financial Review (February–March 2013), 3–6.
  • 20 Apr 2009
  • Research & Ideas

Misgovernance at the World Bank

development banks, and UN agencies. Overall, the researchers say, the World Bank is quite well run—the issue is one of misgovernance, not malfeasance. "Ashwin and I highlight a setting in which fair institutions can generate unfair... View Details
Keywords: by Martha Lagace
  • August 2001 (Revised October 2001)
  • Case

Shinsei Bank (C)

By: Michael Y. Yoshino and Perry Fagan
Supplements the (A) case. View Details
Keywords: Banking Industry; Japan
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Yoshino, Michael Y., and Perry Fagan. "Shinsei Bank (C)." Harvard Business School Case 302-038, August 2001. (Revised October 2001.)
  • 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; Banking Industry; Banking Industry; Africa; South Africa
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Paine, Lynn S., and Will Hurwitz. "African Bank Investments Limited (B)." Harvard Business School Supplement 319-053, October 2018.
  • September 2019 (Revised February 2020)
  • Teaching Note

Commonwealth Bank of Australia: Unbanklike Experimentation

By: Ryan W. Buell and Leslie K. John
Email mking@hbs.edu for a courtesy copy.

This Teaching Note explains the theory of the case and teaching plan for the case: Commonwealth Bank of Australia: Unbanklike Experimentation (619-018). In August 2017,... View Details
Keywords: Transparency; Experimentation; Banks and Banking; Credit Cards; Customer Focus and Relationships; Competitive Strategy; Banking Industry; Australia
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Buell, Ryan W., and Leslie K. John. "Commonwealth Bank of Australia: Unbanklike Experimentation." Harvard Business School Teaching Note 620-041, September 2019. (Revised February 2020.)
  • 2023
  • Working Paper

The Stock Market and Bank Risk-Taking

By: David S. Scharfstein and Antonio Falato
Using confidential supervisory risk ratings, we document that banks increase risk after they go public compared to a control group of banks that filed to go public but withdrew their filings for plausibly exogenous reasons. The increase in risk increases short-term... View Details
Keywords: Risk and Uncertainty; Banks and Banking; Going Public; Performance; Stocks
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Scharfstein, David S., and Antonio Falato. "The Stock Market and Bank Risk-Taking." Working Paper, September 2023.
  • December 2003 (Revised July 2012)
  • Case

Jamie Dimon and Bank One (A)

By: Paul W. Marshall and Todd H Thedinga
On March 27, 2000, Jamie Dimon was hired as CEO to turn around Bank One. Describes the issues he faces, as he prepares to present an action plan to the board. View Details
Keywords: Change Management; Management Teams; Governing and Advisory Boards; Planning; Banking Industry; United States
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Marshall, Paul W., and Todd H Thedinga. "Jamie Dimon and Bank One (A)." Harvard Business School Case 804-107, December 2003. (Revised July 2012.)
  • 2016
  • Working Paper

The Stock Market and Bank Risk-Taking

By: David S. Scharfstein and Antonio Falato
We argue that stock market pressure to generate earnings encourages banks to increase risk. We measure risk using confidential supervisory ratings as well as financial information released in regulatory filings. We document that there is an increase in the risk-taking... View Details
Keywords: Stock Market; Financial Markets; Business Earnings; Banks and Banking; Risk and Uncertainty
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Scharfstein, David S., and Antonio Falato. "The Stock Market and Bank Risk-Taking." NBER Working Paper Series, No. 22689, September 2016.
  • November 2006
  • Case

Santander's Acquisition of Abbey: Banking across Borders

Banco Santander, Spain's largest commercial bank, announced in July 2004 the acquisition of Abbey National Bank, the fifth largest U.K. commercial bank. This transaction was the largest ever cross-border acquisition in European banking and would result in the... View Details
Keywords: Integration; Value Creation; Mergers and Acquisitions; Globalization; Commercial Banking; Banking Industry; United Kingdom; European Union; Spain
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Ghemawat, Pankaj, Eduardo Ballarin, and Jose Manuel Campa. "Santander's Acquisition of Abbey: Banking across Borders." Harvard Business School Case 707-485, November 2006.
  • September 2013
  • Article

Combining Banking with Private Equity Investing

By: Lily H. Fang, Victoria Ivashina and Josh Lerner
Bank-affiliated private equity groups account for 30% of all private equity investments. Their market share is highest during peaks of the private equity market, when the parent banks arrange more debt financing for in-house transactions yet have the lowest exposure to... View Details
Keywords: Regulation; Private Equity; Leveraged Buyouts; Banks and Banking; Banking Industry
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Fang, Lily H., Victoria Ivashina, and Josh Lerner. "Combining Banking with Private Equity Investing." Review of Financial Studies 26, no. 9 (September 2013): 2139–2173.
  • 2013
  • Working Paper

Combining Banking with Private Equity Investing

By: Lily Fang, Victoria Ivashina and Josh Lerner
Bank-affiliated private equity groups account for 30% of all private equity investments. Their market share is highest during peaks of the private equity market, when the parent banks arrange more debt financing for in-house transactions yet have the lowest exposure to... View Details
Keywords: Private Equity; Banks and Banking; Banking Industry; Banking Industry
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Fang, Lily, Victoria Ivashina, and Josh Lerner. "Combining Banking with Private Equity Investing." NBER Working Paper Series, No. 19300, August 2013.
  • September 1986 (Revised April 1989)
  • Supplement

Cuttyhunk Bank (B)

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Seymour, Sally N. "Cuttyhunk Bank (B)." Harvard Business School Supplement 387-045, September 1986. (Revised April 1989.)
  • 2000
  • Comment

Restructuring Bank Regulation

By: B. C. Esty
Keywords: Banks and Banking; Governing Rules, Regulations, and Reforms; Government and Politics; Business and Government Relations; Banking Industry
Citation
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Esty, B. C. Comment on "Restructuring Bank Regulation." Restructuring Regulation and Financial Institutions, edited by J. R. Barth, R. D. Brumbaugh, and G. Yago, 79–84. Santa Monica, CA: Milken Institute Press, 2000.
  • 03 Jan 2007
  • Working Paper Summaries

Banking Deregulation, Financing Constraints and Entrepreneurship

Keywords: by William Kerr & Ramana Nanda; Banking
  • 20 May 2015
  • Working Paper Summaries

Career Concerns of Banking Analysts

Keywords: by Joanne Horton, George Serafeim & Shan Wu; Banking; Banking
  • August 1971 (Revised December 1971)
  • Case

Plaza National Bank

By: M. Colyer Crum and Michael D. Brown
Keywords: Banking Industry
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Crum, M. Colyer, and Michael D. Brown. "Plaza National Bank." Harvard Business School Case 272-009, August 1971. (Revised December 1971.)
  • August 2001 (Revised October 2001)
  • Case

Shinsei Bank (B)

By: Michael Y. Yoshino and Perry Fagan
Supplements the (A) case. View Details
Keywords: Banking Industry; Japan
Citation
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Yoshino, Michael Y., and Perry Fagan. "Shinsei Bank (B)." Harvard Business School Case 302-037, August 2001. (Revised October 2001.)
  • February 2006 (Revised August 2006)
  • Case

Investment Banking at Thomas Weisel Partners

By: Malcolm P. Baker and Lauren Barley
Thomas Weisel Partners (TWP), a San Francisco-based bank focusing on emerging growth companies, is considering its strategy in the context of regulatory, competitive, and legal changes. Blake Jorgensen, the chief operating officer and co-director of investment banking,... View Details
Keywords: Strategy; Business or Company Management; Conflict of Interests; Change Management; Investment Banking; Financing and Loans; Laws and Statutes; Financial Strategy; Corporate Finance; Banking Industry; San Francisco
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Baker, Malcolm P., and Lauren Barley. "Investment Banking at Thomas Weisel Partners." Harvard Business School Case 206-091, February 2006. (Revised August 2006.)
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