decisions of firms. I find that firms eligible for government bank lending expand employment in politically attractive regions … future employment growth by firms in other regions. The analysis suggests that politicians in Brazil use bank lending to …

This paper studies the link between banks' geographic concentration and the growth in mortgage lending during the boom … reduction in their loans through the ensuing bust. In the aggregate, bank concentration has an impact on the overall credit … concentrated banks experience less excessive expansion and contraction in mortgage supply during the boom and the following bust …