@article{sanches_rocha_silva_2009,  title={Estimating a theoretical model of state banking competition using a dynamic panel: the Brazilian case},  volume={63},  ISSN={0034-7140},  url={https://doi.org/10.1590/S0034-71402009000100002},  DOI={10.1590/S0034-71402009000100002},  number={1},  journal={Revista Brasileira de Economia},  publisher={Fundação Getúlio Vargas},  author={Sanches, Fábio A. Miessi and Rocha, Bruno de Paula and Silva, José Carlos Domingos da},  year={2009},  month={Jan},  pages={23–34} }