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 joined the Bank as an economist in the Prudential Policy Directorate (Bank of England and PRA) in August 2016. Previously, he had worked for the European Central Bank, Deutsche Bundesbank and the Swiss Financial Market Supervisory Authority.
Benjamin conducts research on topics in household finance and bank risk management with focus on the mortgage market and aspects of green finance.
He also contributes to the development and evaluation of the regulatory framework for banks. Besides, he represented the Bank at the European Banking Authority.
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).