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Submitted on: 04 August 2000.
Revised on: 18 September 2000.
Accepted on: 27 October 2000.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 07 April 2014.
Revised on: 18 May 2014.
Accepted on: 10 June 2014.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 21 May 2005.
Revised on: 02 September 2005.
Accepted on: 13 October 2005.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 31 May 1999.
Revised on: 29 July 1999.
Accepted on: 20 September 1999.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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