Benjamin's Bank Underground blog posts
Insulated from risk? The relationship between the energy efficiency of properties and mortgage defaults - October 2018
Who withdraws money from distressed banks? - August 2017
Biography
Benjamin has worked as an Economist in our Prudential Policy Directorate (Bank of England and PRA) since August 2016.
He conducts research on topics in household finance and financial intermediation. It focuses on the mortgage market and aspects of sustainable finance.
He contributes to the development and evaluation of the regulatory framework for banks. He represents the Bank of England at the European Banking Authority and co-organizes the One Bank Research Seminar Series.
Previously, Benjamin briefly worked for the European Central Bank (2015), Swiss Financial Market Supervisory Authority (2015), Deutsche Bundesbank (2010, 2012).
Benjamin holds a PhD in Economics and Finance from the University of St.Gallen (HSG). He has been a Chazen Visiting Scholar at Columbia University, Graduate School of Business.
Benjamin's selected academic publications
Deposit Withdrawals from Distressed Banks: Client Relationships Matter - with M Brown and S Morkoetter, University of St. Gallen, School of Finance Research Paper (2017)Culture and Household Saving, ECB Working Paper Series No. 2069 (2017)
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).