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June 2025
Case

Vail Resorts: Responding to Activist Pressure (A)

By: Benjamin C. Esty and Edward A. Meyer

On January 27, 2025, the head of a relatively small hedge fund named Late Apex Partners sent a highly critical letter to the board of directors of Vail Resorts, the world’s largest ski resort operator. In his letter, and the 88-slide presentation that accompanied his... View Details

Keywords: Corporate Finance; Capital Budgeting; Corporate Governance; Competitive Advantage; Competitive Strategy; Leading Change; Valuation; Investment Activism; Climate Change; Management Succession; Financial Management; Risk Management; Sports Industry; Entertainment and Recreation Industry; Travel Industry; United States; Australia; Canada

2025
Working Paper

Data-driven Technologies and Local Information Advantages in Small Business Lending

By: Wilbur Chen, Jung Koo Kang and Aditya Mohan

We investigate whether banks' adoption of data-driven technologies influences competitive dynamics in local small business lending by diminishing the information advantages traditionally held by local banks. Using local newspaper closures as an adverse shock to the... View Details

Keywords: Data-driven Technologies; Local Information Advantages; Local Banks; Relationship Lending; Small Business Loans; Small Business; Local Range; Financing and Loans; Banks and Banking; Analytics and Data Science; Banking Industry

March 2025
Case

Silicon Valley Bank: Gone in 36 Hours

By: Jung Koo Kang, Krishna G. Palepu, Charles C.Y. Wang and David Lane

This case examines factors contributing to the collapse of Silicon Valley Bank (SVB) in March 2023, an event as unpredicted as it was quick. SVB funded nearly half of all U.S. venture-backed startups and at the end of 2022 held $173 billion in deposits, largely... View Details

January 2025
Case

Untapped Global: Financing Africa's Missing Middle

By: Raymond Kluender and Emanuele Colonnelli

In November 2024, Jim Chu, founder and CEO of Untapped Global, faced mounting internal tensions over the company’s strategic direction. Untapped had developed a data-driven revenue-based financing (RBF) model to address the “missing middle” problem—the $5.2 trillion... View Details

November 2024
Case

Demond Martin and WellWithAll

By: Hise Gibson, Archie L. Jones and Ai-Ling Jamila Malone

This case study chronicles the transformative entrepreneurial path of Demond Martin, co-founder and CEO of WellWithAll, a health and wellness startup. Motivated by a pivotal life experience and deep concern for racial health inequities, Martin transitions from a... View Details

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

Keywords: Business Startups; Financing and Loans; Profit; Governing Rules, Regulations, and Reforms; Growth and Development Strategy; Emerging Markets; Entrepreneurship; Product; Banking Industry; Banking Industry; Banking Industry; Philippines

October 2024
Supplement

NOW PT (A)

By: George A Riedel, Allison J. Wigen and Dave Habeeb

Pre-Abstract: Instructors should consider the timing of making videos available to students, as they may reveal key case details.

Abstract: In fall 2021, a team of students from the HBS Impact Investing Fund considered Neurologic Optimal Wellness Physical... View Details

Keywords: Health Care and Treatment; Medical Specialties; Investment; Business Model; Health Industry; United States

October 2024
Supplement

NOW PT (B)

By: George A Riedel, Allison J. Wigen and Dave Habeeb

Pre-Abstract: Instructors should consider the timing of making videos available to students, as they may reveal key case details.

Abstract: In fall 2021, a team of students from the HBS Impact Investing Fund considered Neurologic Optimal Wellness Physical... View Details

Keywords: Health Care and Treatment; Medical Specialties; Business Model; Investment; Health Industry; United States

October 2024
Case

Ranger Energy Services: Bridging Public & Private Markets

By: Joseph Pacelli, Ravi Ramniklal Gondalia and James Weber

In August of 2017, CSL Capital, a private equity fund founded and operated by Charlie Leykum (HBS ’04), was deciding to take one of its portfolio companies, Ranger Energy Services, public. Founded in 2014, Ranger Energy was an oilfield service company providing... View Details

Keywords: Entrepreneurship; Initial Public Offering; Financial Strategy; Valuation; Private Equity; Business Strategy; Investment Portfolio; Investment Return; Financial Services Industry; Energy Industry; United States

2025
Working Paper

Bank Capital and the Growth of Private Credit

By: Sergey Chernenko, Robert Ialenti and David Scharfstein

We show that business development companies (BDCs), a significant source of private credit, are very well capitalized according to bank capital frameworks. These types of private credit funds have median risk-based capital ratios of about 36%, which is 26 percentage... View Details

Keywords: Financing and Loans; Capital; Credit; Financial Institutions

September 2024
Case

InfraCredit and the Project Inception Facility

By: John Macomber, Namrata Arora and Maagatha Kalavadakken

Around the world, large infrastructure projects are frequently stymied by the high cost and high uncertainty of the project inception phase: the research and engineering and planning prior to financial close and start of construction. Could there be a new kind of... View Details

May 2024
Case

HarvEast

By: Jeremy Friedman and Natalie Kindred

In late 2023, Dmitry Skornyakov, CEO of Ukrainian agribusiness HarvEast, was navigating the turmoil caused by Russia’s invasion of Ukraine that began in 2014 and escalated into full-scale war in February 2022. Before the full-scale invasion, HarvEast managed 127,000... View Details

Keywords: Goods and Commodities; Natural Resources; Food; Problems and Challenges; Adaptation; Innovation and Management; Crisis Management; Logistics; Supply Chain; Risk and Uncertainty; Loss; Trust; Human Needs; War; Agriculture and Agribusiness Industry; Chile; South America; Latin America; Ukraine

March 2024 (Revised June 2024)
Case

Kashat: Navigating the Uncertainties of the Egyptian Fintech Market

By: Paul A. Gompers and Ahmed Dahawy

Karim Nour, the founder of Kashat, an Egyptian nano-lending fintech company, is contemplating how to manage the growth of his startup. Over the summer of 2022, Kashat's loan disbursements had grown by nearly 40%, fueled by macroeconomic instability in Egypt. However,... View Details

Keywords: Fintech; Business Model; Developing Countries and Economies; Acquisition; Business Exit or Shutdown; Mobile and Wireless Technology; Business Growth and Maturation; Business Startups; Financing and Loans; Capital; Banking Industry; Banking Industry; Egypt

March 2024
Case

Nomad: A License to Bank

By: Paul A. Gompers and Pedro Levindo

In late 2023, Lucas Vargas, CEO and co-founder of Nomad, a fintech that offered financial services in the United States for Brazilian residents, had to decide what to do to ensure the company’s continued expansion. Nomad launched its first product, a U.S. digital bank... View Details

March 2024
Case

East Rock Capital: 'Talent Is the Best Asset Class'

By: Boris Groysberg, Sarah L. Abbott and Izzy Yeoh

Adam Shapiro and Graham Duncan launched East Rock Capital, LLC in 2006 with a seed investment from Stuart Miller, executive chairman of Lennar Corporation. East Rock managed long-term assets for high-net-worth families, primarily working with external managers who had... View Details

Keywords: Alternative Assets; Hiring; HNW Products And Services; Recruiting; Hedge Funds; Wealth Management; Asset Management; Private Equity; Financial Institutions; Marketing Strategy; Growth and Development Strategy; Competitive Advantage; Financial Services Industry; United States

February 2024 (Revised April 2024)
Case

Finberg: Corporate Venture Capital in Türkiye

By: Paul A. Gompers and Namrata Arora

In December 2021, Murat Özyeğin, Chairman of Fiba Holding, along with Ömer Mert and İhsan Elgin, engaged in discussions about the future of United Payment, a fintech company in which Finberg, a subsidiary of Fibabanka, held a 20% stake. Finberg, established in 2018 as... View Details

Keywords: Corporate Venture Capital; Technology; Return On Investment; Venture Capital; Investment; Strategy; Technological Innovation; Competition; Valuation; Acquisition; Business Startups; Banking Industry; Banking Industry; Middle East; North Africa; Turkey; Ukraine; Romania; Poland

2024
Report

Overcoming Barriers to Resolving Gaza and Beyond

By: James K. Sebenius

As of early January 2024, discussion of the Gaza war heavily focuses on its humanitarian costs, cease fire possibilities, hostage prospects, and “day after” options. Yet what longer-term strategy guides actions on these vital issues while offering a more positive... View Details

Keywords: Negotiation; War; International Relations; Israel; Middle East

2023
Working Paper

The Market for Sharing Interest Rate Risk: Quantities and Asset Prices

By: Ishita Sen, Umang Khetan, Jane Li and Ioana Neamtu

We study the extent of interest rate risk sharing across the financial system using granular positions and transactions data in interest rate swaps. We show that pension and insurance (PF&I) sector emerges as a natural counterparty to banks and corporations: overall,... View Details

Keywords: Interest Rates; Investment Funds; Banks and Banking; Insurance; Investment Banking; Risk and Uncertainty

June 2023
Case

Launching Egypt’s First Digital Banking Platform: QNB Bebasata

By: Mark Egan, Billy Chan and Ahmed Dahawy

The leadership team at QNB Alahli, Egypt's second biggest private bank, looked back on their efforts to create a brand-new, fully digital banking platform since 2019. A digital-only banking service was unprecedented in Egypt, a country where over 90% of financial... View Details

Keywords: Digital Transformation; Banks and Banking; Innovation and Invention; Competitive Strategy; Business Model; Product Launch; Finance; Banking Industry; Egypt

May 2023
Article

Political Ideology and International Capital Allocation

By: Elisabeth Kempf, Mancy Luo, Larissa Schäfer and Margarita Tsoutsoura

Does investors' political ideology shape international capital allocation? We provide evidence from two settings—syndicated corporate loans and equity mutual funds—to show ideological alignment with foreign governments affects the cross-border capital allocation by... View Details

Keywords: Capital Flows; Syndicated Loans; Mutual Funds; Partisanship; Polarization; Elections; Political Ideology; Banks and Banking; Institutional Investing; Behavioral Finance; Decision Choices and Conditions

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