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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View Publications »

Dennis Campbell

Dwight P. Robinson, Jr. Professor of Business Administration

Accounting and Management

View Profile »
View Publications »

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PDS: Ring-Fencing the Ranch

Dennis Campbell, Tarun Khanna and Kerry Herman

Pallak Seth, Group CEO of PDS Multinational Fashions, is contemplating options to bring better collaboration across his global apparel supply chain platform. PDS, a group of 50-plus subsidiary companies, each led by its own CEO and with different apparel industry specialties, has grown rapidly over the past decade, yet the industry is increasingly competitive and challenges remain constant. Looking for ways to reach the Group’s 2023 goals of $2 billion in revenue, Seth and his executive board are considering two ways to increase collaboration and reward performance: a joint P&L approach, to drive partnerships across the subsidiaries, and an employee stock option plan, to unlock value across the Group.

Citation:
Campbell, Dennis, Tarun Khanna, and Kerry Herman. "PDS: Ring-Fencing the Ranch." Harvard Business School Case 721-361, September 2020. View Details

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Campbell, Dennis W., and Kerry Herman. "Handelsbanken: Going Digital." Harvard Business School Case 120-049, January 2020. (Revised June 2020.) View Details

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Book | 2020

Unleashed: The Unapologetic Leader's Guide to Empowering Everyone Around You

Frances X. Frei and Anne Morriss

When leaders and aspiring leaders seek out advice, they're often told to try harder. Dig deeper. Look in the mirror and own your natural-born strengths and fix any real or perceived career-limiting deficiencies.

We offer a different worldview. We argue that this popular leadership advice glosses over the most important thing you do as a leader: Build others up. Leadership isn’t about you. It’s about how effective you are at empowering other people—and making sure that this impact endures even in your absence. We show through inspiring stories from ancient Rome to Silicon Valley, the origins of great leadership are found, paradoxically, not in worrying about your own status and advancement, but in the unrelenting focus on other people’s potential.

Unleashed provides radical advice for the practice of leadership today. Showing how the boldest, most effective leaders use a special combination of trust, love, and belonging to create spaces where other people can excel, we offer practical, battle-tested tools—based on our work in companies such as Uber, Riot Games, and others—along with interviews and stories from our own personal experience to make these ideas come alive. This book is your indispensable guide for unleashing greatness in other people...and, ultimately, in yourself.

Keywords: leadership skills; belonging; Leadership; Management Skills; Trust; Organizational Culture;

Citation:
Frei, Frances X., and Anne Morriss. Unleashed: The Unapologetic Leader's Guide to Empowering Everyone Around You. Boston: Harvard Business Review Press, 2020. View Details

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Economics of Retail Banking Note

Abstract

Citation:

About the Authors

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