Personal profile
Research interests
Banking, Sustanable Finance and Financial Regulation
Research overview
I am a Lecturer in Finance at the University of St Andrews Business School and a member of the Centre for Responsible Banking and Finance. I received my PhD from the University of Magdeburg and the Halle Institute for Economic Research (IWH) in Halle, Germany. My research was awarded with grants by the French Social Investment Forum, the Principles for Responsible Investment and the Lamfalussy Fellowship by the European Central Bank.
My research interests are in banking, climate finance, and financial regulation. My work spans two broad topics. The first focuses on climate transition risks and credit allocation. I explore this topic by investigating how banks consider their borrowers’ transition risks and how borrowers exposed to transition risks adjust to changes in access to funding. The second topic concerns financial regulation and the impact it can have on banks’ funding costs and lending choices.
Personal website: eleonora.sfrappini.com
Education/Academic qualification
Doctor of Social Science, Four Essays on Banking, Climate Risks, and Financial Regulation, Otto-von-Guericke-Universitat Magdeburg
Award Date: 14 May 2024
Expertise related to UN Sustainable Development Goals
In 2015, UN member states agreed to 17 global Sustainable Development Goals (SDGs) to end poverty, protect the planet and ensure prosperity for all. This person’s work contributes towards the following SDG(s):
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SDG 8 Decent Work and Economic Growth -
SDG 12 Responsible Consumption and Production -
SDG 13 Climate Action
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Collaborations and top research areas from the last five years
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Draft Circular Economy Strategy for Scotland Consultation - Response ID ANON-HSP7-WWMH-5
Helmcke, C., Hooker, S., Roney-Dougal, C., Skrzypek, E., Reid, L., Wishart, L. J., Russell, S., High, M., Lawson, I., Cole, L. E. S., Hope, J., Sfrappini, E., Christie, E., Paul, F., Mallows, C., Auxtova, K., Twist, B. & Gregnanin, G., 2026Research output: Other contribution
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Draft Climate Change Plan Consultation - Response ID ANON-DNTH-7RRE-E
Helmcke, C., Hooker, S., Roney-Dougal, C., Skrzypek, E., Reid, L., Wishart, L. J., Russell, S., High, M., Lawson, I., Cole, L. E. S., Hope, J., Sfrappini, E., Christie, E., Paul, F., Auxtova , K., Gregnanin, G., Twist, B. & Mallows, C., 2026Research output: Other contribution
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Inclusive and sustainable futures for Scotland: Project report
Helmcke, C., Christie, E., Twist, B., Mallows, C., Roney-Dougal, C., Sfrappini, E., Skrzypek, E., Paul, F., Gregnanin, G., Joubert, G., Lawson, I., Hope, J., Auxtova, K., Reid, L., Wishart, L. J., Cole, L. E. S., High, M., Conlan, P. J., Hooker, S. & Russell, S., 27 Mar 2026, Online: University of St Andrews. 11 p.Research output: Book/Report › Commissioned report
Open Access -
Banking in the age of climate risks
Nguyen, H. & Sfrappini, E., 26 Jun 2025, Encyclopedia of monetary policy, financial markets and banking. Apergis, N. (ed.). Amsterdam: Elsevier, Vol. 4. p. 370-373Research output: Chapter in Book/Report/Conference proceeding › Entry for encyclopedia/dictionary
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Climate change-related regulatory risks and bank lending
Mueller, I. & Sfrappini, E., 1 Dec 2025, In: Journal of International Economics. 158, p. 1-16 16 p., 104156.Research output: Contribution to journal › Article › peer-review
Open AccessFile
Datasets
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European Banking Union Directives Database
Sfrappini, E. (Creator), Zgherea, C. (Creator), Tonzer, L. (Creator) & Krause, T. (Creator), Halle Institute for Economic Research (IWH), 2025
https://bankinglibrary.com/data/financial-markets-directives-database/
Dataset
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Capital Market Union Database of Directives and Regulations
Sfrappini, E. (Creator), Emlein, M. (Creator), Tonzer, L. (Creator) & Zgherea, C. (Creator), Halle Institute for Economic Research (IWH), 2022
https://bankinglibrary.com/data/financial-markets-directives-database/
Dataset
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Climate Change-Related Regulatory Risks and Bank Lending (dataset)
Mueller, I. (Creator) & Sfrappini, E. (Creator), Mendeley Data, 15 Aug 2025
Dataset
Activities
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Sustainable Finance Symposium
Sfrappini, E. (Organiser) & Iannino, M. C. (Member of organising committee)
18 Mar 2026Activity: Participating in or organising an event types › Participation in or organising a conference
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ISEG Lisbon School of Economics and Management
Sfrappini, E. (Visiting researcher)
3 Feb 2026 → 11 Feb 2026Activity: Visiting an external institution types › Visiting an external academic institution
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How do EU banks’ funding costs respond to the CRD IV? An assessment based on the banking union directives database
Sfrappini, E. (Speaker)
2025Activity: Talk or presentation types › Invited talk
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Financial Constraints and Emission Intensity
Sfrappini, E. (Speaker)
2025Activity: Talk or presentation types › Invited talk
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Discussion of Common Ownership and Climate Lending by Elena Carletti (Bocconi University)
Sfrappini, E. (Speaker)
2025Activity: Talk or presentation types › Invited talk
Prizes
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Finalist for the Young Economist Prize of the European Central Bank
Sfrappini, E. (Recipient), 2024
Prize: Prize (including medals and awards)
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FIR-PRI AWARDS Finance and Sustainability - Research Grant
Sfrappini, E. (Recipient), Oct 2023
Prize: Prize (including medals and awards)
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Lamfalussy Fellowship
Sfrappini, E. (Recipient) & Mueller, I. (Recipient), 2021
Prize: Prize (including medals and awards)
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Runner-up for the Sir Alec Cairncross Prize of the Scottish Economic Society
Sfrappini, E. (Recipient), 2021
Prize: Prize (including medals and awards)
Press/Media
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Climate Change-Related Regulatory Risks and Bank Lending - Policy Brief
Sfrappini, E. & Mueller, I.
1/07/22
1 Media contribution
Press/Media: Relating to Research