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Submitted on: 03 February 2012.
Revised on: 23 March 2012.
Accepted on: 17 May 2012.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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Submitted on: 29 September 2002.
Revised on: 29 November 2002.
Accepted on: 10 January 2003.
___________________JOURNAL OF BANKING & FINANCE---ELSEVIER
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