Submitted on: 05 December 1998.
Revised on: 06 February 1999.
Accepted on: 07 April 1999.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 17 July 2015.
Revised on: 10 October 2015.
Accepted on: 04 November 2015.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 08 July 2002.
Revised on: 28 October 2002.
Accepted on: 12 November 2002.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 23 April 2016.
Revised on: 07 July 2016.
Accepted on: 21 August 2016.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 03 December 2007.
Revised on: 27 December 2007.
Accepted on: 12 January 2008.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 19 December 2014.
Revised on: 05 April 2015.
Accepted on: 18 April 2015.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER