Matthew Osborne

Manager - ​ ​Sterling Markets Division

Biography

Matthew is an economist specialising in financial markets.  He holds a PhD in Finance from Cass Business School.  After a spell at the National Institute of Economic and Social Research, he joined the Financial Services Authority in 2006, just in time for the global financial crisis.  There he worked on a wide variety of policy issues and eventually focused on bank regulation.  

Since 2013 Matthew has worked in the Markets area, briefing on financial markets and designing monetary policy and liquidity insurance operations.  He also manages a market intelligence team focusing on bank funding markets.  While these days he spends most of his time on policy matters, he also maintains research interests in banks’ management of their capital ratios and money markets.  He is an Associate Editor and a regular contributor to the Bank Underground blog.
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Matthew's Bank publications

Publication // Working Paper

Has bail-in increased market discipline?...

Has bail-in increased market discipline? An empirical investigation of European banks’ credit spreads
Publication // Working Paper

Monetary policy and volatility in the sterling...

Monetary policy and volatility in the sterling money market
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Matthew's Bank Underground Blog posts

Matthew's selected academic publications 

In good times and in bad: Bank capital ratios and lending rates, with A.M.Fuertes and A Milne. Forthcoming in International Review of Financial Analysis (2013)  
Capital and profitability in banking: Evidence from US banks, with A.M.Fuertes and A Milne. Emerging Scholars in Banking and Finance Conference (2013)  
Measuring the impact of prudential policy on the macroeconomy, with S. De-Ramon, Z. Iscenko, M. Straughan and P. Andrews.  FSA Occasional Paper No 42 (2012)
Capital requirements and bank behavior in the UK: Are there lessons for international capital standards?, with W. Francis.  Journal of Banking and Finance (2011)
On the Behaviour and Determinants of Risk- Based Capital Ratios: Revisiting the Evidence from UK Banking Institutions, with W. Francis. International Review of Finance (2010)
Low pay, labour market institutions and job quality in the UK, with G. Mason, K. Mayhew, P. Stevens (2008)
Raising Sector Skill Levels - How Responsive is Local Training Supply?, with G.Mason, A. Rincon-Aznar.  Report for the Sector Skills Development Agency (2005)

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