Economics of Retail Banking Note

Frances X. Frei; Dennis  Campbell

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Background Note | HBS Case Collection | April 2002 (Revised March 2006)

Economics of Retail Banking Note

by Frances X. Frei and Dennis Campbell

Abstract

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 of profits. Attempts to explain how retail banks generate revenue and incur costs while serving their customer base.

Keywords: Customers; Economics; Cost; Banks and Banking; Profit; Revenue; Service Operations; Banking Industry; United States;

Format: Print

13 pages

Educators Purchase

Citation:

Frei, Frances X., and Dennis Campbell. "Economics of Retail Banking Note." Harvard Business School Background Note 602-153, April 2002. (Revised March 2006.)

About the Authors

Frances X. Frei

UPS Foundation Professor of Service Management

Technology and Operations Management

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Dennis Campbell

Dwight P. Robinson, Jr. Professor of Business Administration
Unit Head, Accounting and Management

Accounting and Management

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Case | HBS Case Collection | February 2001 (Revised November 2019)

Delivery Problems at Arrow Electronics, Inc. (A)

Andrew P. McAfee, Frances X. Frei and Kerry Herman

Describes a dramatic decrease in service levels (on-time shipments) from the warehouse network of a large electronics distributor. Students need to analyze the root cause of the problem and propose actions. A rewritten version of an earlier case.

Keywords: Order Taking and Fulfillment; Problems and Challenges; Business Processes; Distribution Industry; Electronics Industry;

Citation:
McAfee, Andrew P., Frances X. Frei, and Kerry Herman. "Delivery Problems at Arrow Electronics, Inc. (A)." Harvard Business School Case 601-131, February 2001. (Revised November 2019.) View Details

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Supplement | HBS Case Collection | February 2001 (Revised November 2019)

Delivery Problems at Arrow Electronics, Inc. (B)

Andrew P. McAfee, Frances X. Frei and Kerry Herman

Supplements the (A) case. A rewritten version of an earlier case.

Keywords: Order Taking and Fulfillment; Problems and Challenges; Business Processes; Distribution Industry; Electronics Industry;

Citation:
McAfee, Andrew P., Frances X. Frei, and Kerry Herman. "Delivery Problems at Arrow Electronics, Inc. (B)." Harvard Business School Supplement 601-132, February 2001. (Revised November 2019.) View Details

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Technical Note | HBS Case Collection | June 2019 (Revised November 2019)

Sustaining Corporate Culture in a Growing Organization

Dennis Campbell and Tatiana Sandino

An organization’s culture can be a significant source of sustainable competitive advantage. For the organization, it can attract job candidates who fit and align employees working in different teams around common goals. For employees, a strong culture can generate pride, satisfaction, and purpose. However, a strong organizational culture can easily decay with a company’s growth as new employees join the firm and business units develop cultures of their own. This technical note proposes that the growth a company can sustain while preserving its culture is governed by its ability to attract employees who fit with its purpose and values and to preserve and foster this alignment over time. To achieve this, an effective leader must formally articulate the purpose and values of the company and rely on four management systems that can be collectively thought of as a “North STAR” orienting managers’ and employees’ attention in the intended direction. This note details these organizational capabilities and management systems and describes the steps that successful companies take in order to preserve a strong culture through periods of growth.

Citation:
Campbell, Dennis, and Tatiana Sandino. "Sustaining Corporate Culture in a Growing Organization." Harvard Business School Technical Note 119-109, June 2019. (Revised November 2019.) View Details

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Faculty & Research

Economics of Retail Banking Note

Abstract

Citation:

About the Authors

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