Staff Insights
Staff Insights aim to build understanding of key economic and financial topics related to our Research Agenda. This staff-developed series draws on theory and real-world evidence to provide accessible, non-technical insights to a broad and varied audience.
Number 10, 2025: Household Resilience to Current Income and Cost-of-Living Shocks
Authors: Anuj Pratap Singh and Fang Yao
Household balance sheets have strengthened since 2018 and are projected to remain resilient under a baseline scenario for the domestic economy.
Read Staff Insight Number 10, Volume 2025
Number 9, 2025: What Next for the Dublin Office Vacancy Rate? A Framework to Examine Short-run Scenarios
Authors: Gerard Kennedy and Cillian O’Gorman
Notwithstanding some recent signs of stabilisation, Dublin’s office market has been amongst the hardest hit across Europe in terms of decrease in capital values, fall-off in investment and the rise in vacancy rates since the start of the decade.
Read Staff Insight Number 9, Volume 2025
Number 8, 2025: SME Profitability in an Adverse Macroeconomic Environment
Authors: Michael Mahony and Tamanna Adhikari
Irish SMEs are expected to continue posting positive and stable profit margins under the central scenario for the domestic economy.
Read Staff Insight Number 8, Volume 2025
Number 7, 2025: Who Clicks "Pay Later"? Financial Vulnerability and Buy Now Pay Later Usage
Authors: Anu Jose and Jane Kelly
As flexible, short-term, often interest-free Buy Now Pay Later (BNPL) products become increasingly popular, this Insight reveals that individuals displaying certain characteristics of financial vulnerability are using BNPL to a greater extent, more frequently and simultaneously across multiple providers.
Read Staff Insight Number 7, Volume 2025
Number 6, 2025: The Impact of Borrower Based Measures: an international comparison
Authors: Laura Moretti and Luca Riva
An examination of how the adoption of borrower-based measures reduces house price growth, house-price-to-income growth, and growth in household debt over GDP.
Read Staff Insight Number 6, Volume 2025
Number 5, 2025: Mortgage Measures and Rental Yields in Ireland
Authors: Fang Yao, Michele Pelli, Sameer Shaikh
Analysis of Mortgage Measures and Rental Yields in Ireland and the impact of the measures introduced in 2015, including clear and strong effects on house prices.
Read Staff Insight Number 5, Volume 2025
Number 4, 2025: Personal Income Tax and Fiscal Drag Across The Distribution in Ireland
Authors: Laura Boyd and Tara McIndoe-Calder
Fiscal drag varies across the distribution and has the potential to more adversely impact lower income taxpayers relative to higher income taxpayers.
Read Staff Insight Number 4, Volume 2025
Number 3, 2025: The Drivers of SME Investment in Ireland
Authors: Michael Mahony and Cian O'Neill
While many Irish SMEs report making investments, the euro value of these investments is small. This pattern is explained by firms being satisfied with their current size and investment rates, rather than by a lack of external finance.
Read Staff Insight Number 3, Volume 2025
Number 2, 2025: The Sectoral Impacts of Tariffs and Trade Fragmentation in the Irish Economy
Authors: Elizaveta Lukmanova and Michael O’Grady
Ireland’s high-value export sectors are deeply embedded in global value chains, relying heavily on intermediates sourced from abroad to produce export content, leaving them highly exposed to tariffs.
Read Staff Insight Number 2, Volume 2025
Number 1, 2025: Access or Competition? Non-bank lending to Irish Non-Financial Corporates
Authors: Barra McCarthy and Carlos Navarro Ramírez
Whether providing access to finance for SMEs or competition to traditional banks, the role of non-bank lenders has implications for financial stability.
Read Staff Insight Number 1, Volume 2025
Economic Letters and Financial Stability Notes Archive
Staff Insights replaced Economic Letters and Financial Stability Notes. An archive of those pieces is available at the links below.
Our Economic Letters series, were written for a general readership. The series provided economic and financial analysis and insight into policy-related issues, data or new indicators.
- Financial Stability Notes archive
Financial Stability Notes were authored by Central Bank of Ireland staff. The aim of the series was to contribute to understanding the risks and vulnerabilities facing the Irish and European financial system.