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Submitted on: 30 July 2022.
Revised on: 30 August 2022.
Accepted on: 11 September 2022.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
Submitted on: 03 February 2018.
Revised on: 03 May 2018.
Accepted on: 07 June 2018.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 10 December 2005.
Revised on: 03 February 2006.
Accepted on: 28 March 2006.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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