Patty Duijm is a PhD student in Finance at the Rotterdam School of Management, Erasmus University Rotterdam. Her research interests include the impact of policy reforms on financial institutions, international banking and risk diversification. At the moment she works at De Nederlandsche Bank as an economist. Patty holds a B.Sc in Economics and a pre-master in Econometrics. She obtained her M.Sc. in Risk Management at Duisenberg School of Finance.