Research

Publications & Working Papers

My research focuses on the intersection of financial regulation, real estate, and household finance — with emphasis on prudential policy evaluation and climate-related financial risk.

Journal Articles

When Do Banks React to Anticipated Capital Reliefs?
Arnould, G., Guin, B., Ongena, S., and Siciliani, P.
International Journal of Central Banking, Vol. 22, No. 4, October 2026
2026
Understanding Climate-Related Disclosures of UK Financial Institutions
Acosta-Smith, J., Guin, B., Salgado-Moreno, M., and Vo, Q.-A.
Journal of Financial Services Research, September 2026
2026
The Effects of Subsidised Flood Insurance on Real Estate Markets
Garbarino, N., Guin, B., and Lee, J.
Journal of Risk and Insurance, November 2024
2024
The Greening of Lending: Mortgage Pricing of Energy Transition Risk
Bell, J., Battisti, G., and Guin, B.
Economics Letters, Vol. 230, September 2023
2023
Stranded Houses? The Price Effect of a Minimum Energy Efficiency Standard
Ferentinos, K., Guin, B., and Gibberd, A.
Energy Economics, Vol. 120, April 2023
2023
Risk Differentials between Green and Brown Assets?
Guin, B., Korhonen, P., and Moktan, S.
Economics Letters, Vol. 213, April 2022
2022
High Water, No Marks? Biased Lending After Extreme Weather
Garbarino, N. and Guin, B.
Journal of Financial Stability, Vol. 54, June 2021
2021
Deposit Withdrawals from Distressed Commercial Banks: Client Relationships Matter
Brown, M., Guin, B., and Morkötter, S.
Journal of Financial Stability, Vol. 46, June 2020
2020
Microfinance Banks and Financial Inclusion
Brown, M., Guin, B., and Kirschenmann, K.
Review of Finance, Vol. 20, June 2016
2016

Working Papers

Product Innovation in the UK Mortgage Market
Fatouh, M., Guin, B., and Unal, H.
Bank of England Staff Working Paper No. 1,167 (2026)
2026
Insurers Monitor Shocks to Collateral: Micro Evidence from Mortgage-Backed Securities
Fetzer, T., Guin, B., Netto, F., and Saidi, F.
Bank of England Staff Working Paper No. 1,119 (2025)
R&R JFQA
The Anatomy of a Shock to Residential Real Estate: The Role of Lending
Moktan, S., Guin, B., and Clarke, L.
Bank of England Staff Working Paper No. 1,111 (2025)
2025
House Price Externalities of a Minimum Energy Efficiency Standard
Barile, L., Guin, B., and Sandi, E.
Warwick Economics Research Paper No. 1,562
WP
Culture and Household Saving
Guin, B.
ECB Working Paper No. 2069
WP

Policy Commentary & Blog Posts

Can Regulation Drive Innovation in Finance? Lessons from Green Mortgage Products
Fatouh, M., Guin, B., and Unal, H.
Bank Underground, 2026
2026
Understanding Climate-Related Disclosures of UK Financial Institutions
Acosta-Smith, J., Guin, B., Salgado-Moreno, M., and Vo, Q.-A.
Bank Underground, 2023
2023
The Effects of Subsidised Flood Insurance on Real Estate Markets
Garbarino, N., Guin, B., and Lee, J.
Bank Underground, 2023
2023
Climate and Capital: Some Outstanding Issues
Tanaka, M., Guin, B., and Bardoscia, M.
Bank Underground, 2022
2022
How Do Lenders Adjust Their Property Valuations After Extreme Weather Events?
Garbarino, N. and Guin, B.
Bank Underground, 2020
2020

Referee for: Review of Finance · Review of Economics and Statistics · Journal of Money, Credit and Banking · Management Science · Journal of Banking & Finance · Journal of Financial Stability