Letter from the editor.

Jesswein, Kurt

The Academy of Banking Studies Journal is owned and published by the DreamCatchers Group, LLC. The Editorial Board and the Editors are appointed by the Allied Academies, Inc., a non profit association of scholars whose purpose is to encourage and support the advancement and exchange of knowledge, understanding and teaching throughout the world. The ABSJ is a principal vehicle for achieving the objectives of the organization.

The mission of the ABSJ is to publish theoretical and empirical manuscripts which further the disciplines of banking and institutional finance. All articles contained in this volume have been double blind refereed, and the acceptance rate was 25%, in keeping with the editorial policy of the Journal.

It is our mission to foster a supportive, mentoring effort on the part of the referees which will result in encouraging and supporting writers. We welcome different viewpoints because in those differences we improve knowledge and understanding.

Information about the Allied Academies, the ABSJ, and the other journals handled by the Academy, as well as calls for conferences, are published on our web site, www.alliedacademies.org, which is updated regularly. Please visit our site and know that we welcome hearing from you at any time.

Kurt Jesswein

Sam Houston State University