If climate change continues unabated, extreme weather events are expected to occur more frequently. Rising flood incidence will especially affect low-lying countries, both through property damage and macro-financial adversity. Using a stress test framework and geocoded data on real-estate...

This paper investigates the direct effect on household debt of macroprudential borrowerbasedmeasures, namely Loan to Income (LTI) and Loan to Value (LTV) limits. The analysis focuses on the Netherlands, in a period characterized by growing vulnerabilities from the housing market and changes in...

This study investigates whether many people fear an unexpectedshock in their financial situation around retirement and whether therelated expectations and realizations match each other. We use theDutch Social Economic Panel survey data, where expectations aboutthe next year's financial situation...