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Submitted on: 12 January 2024.
Revised on: 31 March 2024.
Accepted on: 30 April 2024.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 14 July 2024.
Revised on: 19 August 2024.
Accepted on: 03 September 2024.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 17 May 2006.
Revised on: 13 August 2006.
Accepted on: 26 September 2006.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 03 December 2024.
Revised on: 24 January 2025.
Accepted on: 12 March 2025.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 23 December 2003.
Revised on: 14 January 2004.
Accepted on: 10 March 2004.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER