Ralph De Haas (Maastricht, 1976) is a Deputy Director of Research at the EBRD. 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 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. He is currently working on large-scale randomized field experiments to measure the impact of microfinance on poverty alleviation in Bosnia, Mongolia, and Morocco.