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      • Faculty Publications  (147)

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      • February 2023
      • Case

      Accelerating the Accelerator: Raja Al Mazrouei at DIFC Fintech Hive

      By: Linda A. Hill, Emily Tedards and Lydia Begag
      In January 2023, Raja Al Mazrouei became the Managing Director and Acting CEO of Etihad Credit Insurance (ECI) in Dubai, UAE. In her previous role as the Executive Vice President of the DIFC Fintech Hive, she successfully built and led an accelerator program for...  View Details
      Keywords: Organizational Change and Adaptation; Organizational Culture; Organizational Design; Organizational Structure; Management; Strategy; Technology Adoption; Information Infrastructure; Financial Management; Financial Strategy; Technological Innovation; Digital Marketing; Digital Strategy; Digital Transformation; Global Strategy; Globalized Markets and Industries; Banks and Banking; Corporate Finance; Leadership; Leadership Development; Leadership Style; Banking Industry; Banking Industry; Banking Industry; Middle East; Singapore; London; United Arab Emirates; Dubai
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      Hill, Linda A., Emily Tedards, and Lydia Begag. "Accelerating the Accelerator: Raja Al Mazrouei at DIFC Fintech Hive." Harvard Business School Case 423-064, February 2023.
      • 2022
      • Article

      Regulatory Treatment of Changes in Fair Value and the Composition of Banks' Investment Portfolios

      By: Michael Iselin, Jung Koo Kang and Joshua Madsen
      In their implementation of Basel III, U.S. bank regulators are again including changes in the fair value of available-for-sale (AFS) debt securities in Tier 1 capital, but only for the largest U.S. banks. This paper investigates a potential impact of expanding this...  View Details
      Keywords: Fair Value Accounting; SFAS 115; Basel III; Governing Rules, Regulations, and Reforms; Banks and Banking; Debt Securities; Credit; Risk and Uncertainty; Investment Portfolio; Decision Making; Banking Industry; United States
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      Iselin, Michael, Jung Koo Kang, and Joshua Madsen. "Regulatory Treatment of Changes in Fair Value and the Composition of Banks' Investment Portfolios." Journal of Financial Reporting 7, no. 1 (2022): 123–143.
      • 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
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      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.
      • 2022
      • Chapter

      Lessons Learned from Support to Business during COVID-19

      By: Gabriel Chodorow-Reich, Benjamin Iverson and Adi Sunderam
      The authors survey the new federal subsidies and loans provided to businesses in the first year of the pandemic—including the Paycheck Protection Program (PPP), the Economic Injury Disaster Loan (EIDL) program, and aid targeted at specific industries such as airlines...  View Details
      Keywords: COVID-19 Pandemic; Small Business; Government Legislation; Policy
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      Chodorow-Reich, Gabriel, Benjamin Iverson, and Adi Sunderam. "Lessons Learned from Support to Business during COVID-19." Chap. 4 in Recession Remedies: Lessons Learned from the U.S. Economic Policy Response to COVID-19, edited by Wendy Edelberg, Louise Sheiner, and David Wessel, 123–162. Brookings Institution Press, 2022.
      • Article

      Weak Corporate Insolvency Rules: The Missing Driver of Zombie Lending

      By: Bo Becker and Victoria Ivashina
      "Zombie lending"—lending to less-productive firms at subsidized rates—can help banks with misaligned incentives in the short run, but it prolongs economic downturns. We propose that inefficient resolution of insolvency is a significant contributor to this problem. We...  View Details
      Keywords: Zombie Credit; Insolvency and Bankruptcy; Financing and Loans; Economic Slowdown and Stagnation
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      Becker, Bo, and Victoria Ivashina. "Weak Corporate Insolvency Rules: The Missing Driver of Zombie Lending." AEA Papers and Proceedings 112 (May 2022): 516–520.
      • April 2022
      • Case

      Mastercard: Creating a World Beyond Cash

      By: Sunil Gupta, Linda A. Hill, Julia Kelley and Emily Tedards
      In late 2021, Mastercard CEO Michael Miebach and Chairman and former CEO Ajaypal “Ajay” Banga considered how Mastercard could best position itself for continued success in the years to come. Since Mastercard’s initial public offering in 2006, the company had grown and...  View Details
      Keywords: Technological Innovation; Leadership; Leading Change; Organizational Culture; Business Strategy; Change; Change Management; Money; Cash; Credit; Financial Institutions; Banks and Banking; Central Banking; Financial Instruments; Credit Cards; Financial Markets; Globalization; Innovation and Invention; Innovation and Management; Innovation Strategy; Leadership Style; Competitive Advantage; Corporate Strategy; Diversification; Information Technology; Banking Industry; Banking Industry; North and Central America; United States; New York (state, US)
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      Gupta, Sunil, Linda A. Hill, Julia Kelley, and Emily Tedards. "Mastercard: Creating a World Beyond Cash." Harvard Business School Case 522-001, April 2022.
      • March 2022
      • Article

      Loan Types and the Bank Lending Channel

      By: Victoria Ivashina, Luc Laeven and Enrique Moral-Benito
      Using credit-registry data for Spain and Peru, we document that four main types of commercial credit—asset-based loans, cash flow loans, trade finance and leasing—are easily identifiable and represent the bulk of corporate credit. We show that credit growth dynamics...  View Details
      Keywords: Bank Credit; Loan Types; Bank Lending Channel; Credit Registry; Banks and Banking; Credit; Financing and Loans
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      Ivashina, Victoria, Luc Laeven, and Enrique Moral-Benito. "Loan Types and the Bank Lending Channel." Journal of Monetary Economics 126 (March 2022): 171–187.
      • February 2022 (Revised December 2022)
      • Case

      Jaypee Infratech and the Indian Bankruptcy Code

      By: Kristin Mugford, William Vrattos and Radhika Kak
      In 2016, India passed a new bankruptcy law (IBC) to counter a brewing bank crisis and increased corporate distress. Homebuilder Jaypee Infratech, one of India largest distressed companies (the “dirty dozen”) began restructuring under the IBC in 2017. Two years later,...  View Details
      Keywords: Restructuring; Decisions; Judgments; Voting; Developing Countries and Economies; Financial Crisis; Public Sector; Asset Pricing; Borrowing and Debt; Corporate Finance; Credit; Insolvency and Bankruptcy; Debt Securities; Bonds; Investment Return; Price; Government Legislation; Laws and Statutes; Bids and Bidding; Business and Stakeholder Relations; Risk and Uncertainty; Valuation; Real Estate Industry; India; Delhi
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      Mugford, Kristin, William Vrattos, and Radhika Kak. "Jaypee Infratech and the Indian Bankruptcy Code." Harvard Business School Case 222-071, February 2022. (Revised December 2022.)
      • 2021
      • Chapter

      Business Continuity Insurance in the Next Disaster

      By: Samuel Gregory Hanson, Adi Sunderam and Eric Zwick
      This article draws lessons from the business support policies pursued in the COVID-19 pandemic to guide policy design for the next disaster. We contrast the performance of the Paycheck Protection Program to the Main Street Lending Program to illustrate how design...  View Details
      Keywords: COVID-19 Pandemic; Policy; Economic Slowdown and Stagnation; Financing and Loans; United States
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      Hanson, Samuel Gregory, Adi Sunderam, and Eric Zwick. "Business Continuity Insurance in the Next Disaster." In Rebuilding the Post-Pandemic Economy, edited by Melissa S. Kearney and Amy Ganz, 52–77. Washington, DC: Aspen Institute, 2021.
      • November 2021
      • Article

      Borrower Leakage from Costly Screening: Evidence from SME Lending in Peru

      By: Irani Arraiz, Miriam Bruhn, Benjamin N. Roth, Claudia Ruiz-Ortega and Rodolfo Stucchi
      We provide evidence that commercial lenders in Peru suffer leakages in their loan approval process. Leveraging a discontinuity in the loan approval process of a large bank, we find that receiving a loan approval from the bank causes loan applicants to receive offers...  View Details
      Keywords: Information Spillovers; SME Lending; Financial Inclusion; Banks and Banking; Financing and Loans; Small Business; Information; Peru
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      Arraiz, Irani, Miriam Bruhn, Benjamin N. Roth, Claudia Ruiz-Ortega, and Rodolfo Stucchi. "Borrower Leakage from Costly Screening: Evidence from SME Lending in Peru." Journal of Development Economics 153 (November 2021).
      • Article

      Large Banks and Small Firm Lending

      By: Vitaly Bord, Victoria Ivashina and Ryan D. Taliaferro
      We examine the long-lasting effects of the 2007 real estate price collapse on small business credit supply. Banks affected by the decline in real estate prices systematically contracted their credit to small firms. At the same time, regional and local banks, many of...  View Details
      Keywords: Small Firms; Credit Supply; Banking Competition; Small Business; Credit; Financial Crisis; Banks and Banking; Competition
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      Bord, Vitaly, Victoria Ivashina, and Ryan D. Taliaferro. "Large Banks and Small Firm Lending." Journal of Financial Intermediation 48 (October 2021).
      • August 13, 2021
      • Other Article

      New Child Tax Credit Should Be a Call to Action for Banks

      By: Bob Neuhaus, Daniel Schneider and Peter Tufano
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      Neuhaus, Bob, Daniel Schneider, and Peter Tufano. "New Child Tax Credit Should Be a Call to Action for Banks." American Banker (August 13, 2021).
      • Article

      The Harmonization of Lending Standards within Banks through Mandated Loan-Level Transparency

      By: Jung Koo Kang, Maria Loumioti and Regina Wittenberg-Moerman
      We explore whether the introduction of transparent reporting rules increases credit standard harmonization within a bank. We exploit the new loan-level reporting rules imposed on banks that borrow from the European Central Bank using repurchase agreements...  View Details
      Keywords: Transparency; External And Internal Reporting; Credit Term Harmonization; Regulatory Scrutiny; Banks and Banking; Credit; Financial Reporting; Governing Rules, Regulations, and Reforms; Learning
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      Kang, Jung Koo, Maria Loumioti, and Regina Wittenberg-Moerman. "The Harmonization of Lending Standards within Banks through Mandated Loan-Level Transparency." Journal of Accounting & Economics 72, no. 1 (August 2021): 101386.
      • 2021
      • Working Paper

      Chinese Banks and Firm Credit

      By: Jaya Y. Wen and Cheryl Wu
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      Wen, Jaya Y., and Cheryl Wu. "Chinese Banks and Firm Credit." Working Paper, 2021.
      • 2021
      • Working Paper

      Nonbank Lending and Credit Cyclicality

      By: Quirin Fleckenstein, Manasa Gopal, German Gutierrez and Sebastian Hillenbrand
      We document three facts about nonbank lending in the syndicated loan market. First, nonbank lending is more than twice as cyclical as bank lending. Second, declines in nonbank lending explain most of the declines in syndicated lending during the Great Recession and...  View Details
      Keywords: Nonbank Lending; Credit Cycles; CLO; Mutual Funds; Leveraged Lending; COVID-19; Great Migration; Non-bank Financial Institutions; Financing and Loans; Business Cycles
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      Fleckenstein, Quirin, Manasa Gopal, German Gutierrez, and Sebastian Hillenbrand. "Nonbank Lending and Credit Cyclicality." Working Paper, June 2021.
      • March 2021
      • Supplement

      Making Impact Investing Markets: IFC (B)

      By: Shawn A. Cole, John Masko and T. Robert Zochowski
      In 2018, Thailand’s Bank of Ayudhya (known as Krungsri), was considering whether to participate in the first issue of a new financial instrument from the International Finance Corporation (IFC), known as a gender bond. Building on the success of the Green Bond program...  View Details
      Keywords: Impact Investment; Development Economics; Developing Countries and Economies; Borrowing and Debt; Credit; Equity; Bonds; Financing and Loans; Growth and Development; Emerging Markets; Non-Governmental Organizations; Corporate Social Responsibility and Impact; Financial Instruments; Gender; Financial Services Industry; Thailand
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      Cole, Shawn A., John Masko, and T. Robert Zochowski. "Making Impact Investing Markets: IFC (B)." Harvard Business School Supplement 221-081, March 2021.
      • Article

      Job Loss, Credit and Crime in Colombia

      By: Gaurav Khanna, Carlos Medina, Anant Nyshadham, Christian Posso and Jorge Tamayo
      We investigate the effects of job displacement, as a result of mass layoffs, on criminal arrests using a matched employer-employee-crime dataset from Medellín, Colombia. Job displacement leads to immediate and persistent earnings losses and higher probability of arrest...  View Details
      Keywords: Job Displacements; Job Cuts and Outsourcing; Crime and Corruption; Credit; Colombia; Medellín
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      Khanna, Gaurav, Carlos Medina, Anant Nyshadham, Christian Posso, and Jorge Tamayo. "Job Loss, Credit and Crime in Colombia." American Economic Review: Insights 3, no. 1 (March 2021): 97–114.
      • March 2021
      • Article

      On the Direct and Indirect Real Effects of Credit Supply Shocks

      By: Laura Alfaro, Manuel García-Santana and Enrique Moral-Benito
      We explore the real effects of bank-lending shocks and how they permeate the economy through buyer-supplier linkages. We combine administrative data on all Spanish firms with a matched bank-firm-loan dataset of all corporate loans from 2003 to 2013 to estimate...  View Details
      Keywords: Credit Supply Shocks; Bank Lending Channel; Input-output Linkages; Output; Mechanisms; Trade Credits; Price Effects; Economics; Credit; System Shocks; Employment; Investment; Spain
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      Alfaro, Laura, Manuel García-Santana, and Enrique Moral-Benito. "On the Direct and Indirect Real Effects of Credit Supply Shocks." Journal of Financial Economics 139, no. 3 (March 2021): 895–921.
      • Article

      Credit and Punishment: Are Corporate Bankers Disciplined for Risk-Taking?

      By: Janet Gao, Kristoph Kleiner and Joseph Pacelli
      We examine whether bankers face disciplining consequences for structuring poorly performing corporate loans. We construct a novel data set containing the employment histories and loan portfolios of a large sample of corporate bankers and find that corporate credit...  View Details
      Keywords: Syndicated Loans; Credit Events; Career Outcomes; Loan Officers; Banks and Banking; Financing and Loans; Risk Management; Corporate Finance; Personal Development and Career
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      Gao, Janet, Kristoph Kleiner, and Joseph Pacelli. "Credit and Punishment: Are Corporate Bankers Disciplined for Risk-Taking?" Review of Financial Studies 33, no. 12 (December 2020): 5706–5749.
      • October 2020
      • Article

      Corporate Legal Structure and Bank Loan Spread

      By: Anywhere (Siko) Sikochi
      This study examines how a corporate legal structure may affect borrowing costs. Corporate legal structure refers to the legal fragmentation of a firm into multiple, separately incorporated entities. This fragmentation is bound to be a factor when lenders determine the...  View Details
      Keywords: Corporate Legal Structure; Subsidiaries; Bank Loans; Minority Interest; Credit Risk; Organizational Structure; Business Subsidiaries; Financing and Loans
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      Sikochi, Anywhere (Siko). "Corporate Legal Structure and Bank Loan Spread." Journal of Corporate Finance 64 (October 2020).
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