Ralph De Haas

Ralph De Haas (Maastricht, 1976) is the Director of Research at the European Bank for Reconstruction and Development. Prior to joining the EBRD, Ralph worked at the Banking Supervision and Monetary Policy Departments of the Dutch central bank.
Ralph holds a PhD in Economics from Utrecht University and is currently also a part-time Associate Professor of Finance at Tilburg University. His main research interests include international banking and financial integration, development economics, and small-business finance.

Reducing Non-Performing Loans in Europe

July 5, 2017 by Ralph De Haas, Bojan Markovic and Alexander Plekhanov

The current overhang of NPLs in Europe is not exceptional in a historical perspective. However, despite the wealth of experience in NPL resolution accumulated after earlier crisis episodes, resolving Europe’s NPL problem continues to be a thorny issue. Difficulties reflect the chronic nature of the NPL malaise this time round but also the widely differing […]

The Banking Union: a Panacea for Eastern Europe?

March 2, 2016 by Ralph De Haas

This Q&A Section starts with the evolution of Multinational Banking in Europe and discusses the effectiveness of the actual regulatory framework in favouring the transition to the Banking Union in Europe. What are the main challenges ahead, and is the three-pillar strategy sufficient to favour the implementation of the single banking market?