Benjamin Guin | Bank of England

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Benjamin is a Senior Economist in our Prudential Policy Directorate. He joined the Bank of England in August 2016.

His current research examines the intersection of financial regulation, real estate and household finance with focus on aspects of climate risks, credit risk and policy evaluation. He is a co-organiser of our research seminar series and of our Research Support Programme. He is a research associate at University of Warwick’s CAGE research centre.

Benjamin also contributes to the development, implementation and evaluation of the regulatory framework of financial institutions. He has been a member of working groups of the Basel Committee on Banking Supervision (BCBS) and the European Banking Authority (EBA).

Before joining us, Benjamin had completed several short-term placements at the European Central Bank (ECB), the Swiss Financial Market Supervisory Authority (FINMA) and at Deutsche Bundesbank. He had been a Chazen Visiting Scholar at Columbia University.

Benjamin holds a PhD in Economics and Finance from the University of St.Gallen (HSG).

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Publication // Working Paper

Publication // Working Paper

Publication // Working Paper

30 September 2022

Publication // Working Paper

Benjamin's Bank Underground blog posts

Understanding climate-related disclosures of UK financial institutions - June 2023
The effects of subsidised flood insurance on real estate markets - February 2023
Climate and capital: some outstanding issues - June 2022
Bitesize: Efficiently green? What a simple metric can tell us about banks’ exposure to energy price shocks and the transition to a green economy - March 2022
How do lenders adjust their property valuations after extreme weather events? - July 2020
Insulated from risk? The relationship between the energy efficiency of properties and mortgage defaults - October 2018
Who withdraws money from distressed banks? - August 2017

Benjamin's selected academic publications

The greening of lending: Evidence from banks’ pricing of energy efficiency before climate-related regulation – with J Bell and G Battisti, Economics Letters (2023).
Stranded houses? The price effect of a minimum energy efficiency standard – with K Ferentinos and A Gibberd, Energy Economics (2023).
Risk differentials between green and brown assets? – with P Korhonen and S Moktan, Economics Letters (2022).
High water, no marks? Biased lending after extreme weather – with N Garbarino, Journal of Financial Stability (2021).
Deposit Withdrawals from Distressed Banks: Client Relationships Matter – with M Brown and S Morkoetter, Journal of Financial Stability (2020).
Microfinance Banks and Financial Inclusion – with M Brown and K Kirschenmann, Review of Finance (2016).
The Exposure of Mortgage Borrowers to Interest Rate Risk and House Price Risk – Evidence from Swiss Loan Application Data – with M Brown, Swiss Journal of Economics & Statistics (2015).