Teaching Undergraduate

International Banking (ASB3201)

Banks and Financial Markets (ASB1501/2501)

Bank Management (ASB3525)

Postgraduate Teaching

International Banking (ASB4411)

International Banking (ASB9042) - Chartered Banker MBA

Professor Jonathan Williams

Professor of Banking and Finance

Email: jon.williams@bangor.ac.uk

Office: Hen Goleg

Professor Jonathan Williams is Professor of Banking and Finance at Bangor University. Jonathan is Visiting Professor at the University of Turin, Italy, the University of Malta, and ZUFE (Zheijiang University of Finance and Economics), China. 

Jonathan's research applies empirical methods to measure the impact on bank performance outcomes of inter alia public policy, ownership structures, and board-level characteristics. Jonathan has presented his research at institutions, such as, The World Bank and central banks, and delivered keynote speeches at conferences and universities across the world. Jonathan's current interests include executive remuneration, FinTech, and M&A. He is currently participating in OPtBank, a EC Erasmus Plus Capacity Building Program to develop research training involving universities in Indonesia.

Jonathan is a former Head of Bangor Business School. He is a Trustee of Bangor University Pension Scheme, co-director of the Institute of European Finance, Editor of World Banking Abstracts, and Chair of the European Association of Teachers of Banking and Finance. 

• PhD: PhD Economics
  University of Wales, Bangor, 2003

Jonathan uses research-led teaching to inform and contextualise his teaching and to bring contemporary issues to students’ attention. Jonathan was made an Honorary Teaching Fellow in 2010 following his nomination by students. 

Teaching Undergraduate (current)

International Banking (ASB3201)

Banks and Financial Markets (ASB1501/2501)

Bank Management (ASB3525)

Teaching Undergraduate (previous)

Introduction to Banking and Finance

Comparative Banking

Money and Banking

Postgraduate Teaching (current)

International Banking (ASB4411)

Financial Crises and Regulation (ASB9044) - Chartered Banker MBA

Postgraduate Teaching (previous)

International Banking (ASB9042) - Chartered Banker MBA

Banking and Development

Current Issues in International Finance (contributor)

Frontier Analysis (Doctoral Training Programme Workshop for PhD students).

Research Student Supervision

I have supervised twelve research students to successful completion and am an experienced external examiner of PhD candidates at universities in the UK, seveal countries in Europe, and further afield. 

I am willing to accept doctoral students who are interested in banking including the following areas: 

• Culture.
• Executive compensation.
• Corporate social responsibility.
• Green banking and finance.
• Financial inclusion.
• Competition, efficiency and productivity.
• Financial deregulation and policy evaluation.

My research interest is in empirical banking and finance. My research investigates issues of importance for public policy. Currently, I am examining executive compensation and how incentives implicit in compensation contracts affect bank performance and risk-taking. I am also involved in research centred on FinTech, M&As, regional banking and the long-term effects of bank privatisation. My interests are wide ranging and cover the socio-emotional performance of family-owned firms in Mexico, the impact of political patronage on firms' capital structure in Malaysia, the implications of CEO education on bank performance in the US, and the role of a firm's financial profile in predicting whether it will become a buyer or target in M&A deals in Brazil.  

I am willing to accept doctoral students who are interested in banking including the following areas: 

• Culture.
• Executive compensation.
• Corporate social responsibility.
• Green banking and finance.
• Financial inclusion.
• Competition, efficiency and productivity.
• Financial deregulation and policy evaluation.

2021

• CyhoeddwydBanks' noninterest income and securities holdings in a low interest rate environment: The case of Italy
  Molyneux, P., Reghezza, A., Torriero, C. & Williams, J., Ion 2021, Yn : European Financial Management. 27, 1, t. 98-119
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydDo negative interest rates affect bank risk-taking?
  Bongiovanni, A., Reghezza, A., Santamaria, R. & Williams, J., Medi 2021, Yn : Journal of Empirical Finance . 63, t. 350-364
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydHands in the Cookie Jar: Exploiting Loan Loss Provisions under Bank Financial Distress
  El Diri, M., King, T., Spokeviciute, L. & Williams, J., Rhag 2021, Yn : Economics Letters. 209, 110098.
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2020

• CyhoeddwydMarket reactions to the implementation of the Banking Union in Europe
  Pancotto, L., ap Gwilym, O. & Williams, J., 23 Mai 2020, Yn : European Journal of Finance. 26, 7-8, t. 640-665
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2019

• CyhoeddwydThe European Bank Recovery and Resolution Directive: A market assessment
  Pancotto, L., ap Gwilym, O. & Williams, J., Hyd 2019, Yn : Journal of Financial Stability. 44
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydThe effect of family control on value and risk-taking in Mexico: A socioemotional wealth approach
  Poletti-Hughes, J. & Williams, J., Mai 2019, Yn : International Review of Financial Analysis. 63, t. 369-381 13 t.
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2017

• CyhoeddwydBank Diversification and Financial Conglomerates in Europe
  Dontis_Charitos, P., Staikouras, S. & Williams, J., 14 Ion 2017, The Palgrave Handbook of European Banking. Beck, T. & Casu, B. (gol.). 1 gol. London: Palgrave Macmillan, t. 49-79 30 t.
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod

2016

• CyhoeddwydDiversification, Size and Risk: the Case of Bank Acquisitions of Nonbank Financial Firms
  Casu, B., Dontis-Charitos, P., Staikouras, S. & Williams, J. M., 1 Maw 2016, Yn : European Financial Management. 22, 2, t. 235-275
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydWhat’s in an education? Implications of CEO education for bank performance
  King, T., Srivastav, A. & Williams, J., 1 Ebr 2016, Yn : Journal of Corporate Finance. 37, April, t. 287-308
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2015

• CyhoeddwydElectronic banking
  Williams, J. M. & Cooper, C. L. (gol.), 15 Meh 2015, Blackwell Encyclopedia of Management Volume 4: Finance. 2015 gol. Blackwell Publishing
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod

2014

• CyhoeddwydBanking in Latin America
  Carim de Carvalho, F. J., de Paula, L. F., Williams, J. M., Berger, A. N. (gol.), Molyneux, P. (gol.) & Wilson, J. (gol.), 27 Tach 2014, The Oxford Handbook of Banking. 2014 gol. Oxford University Press, t. 984-1016
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydDealing with cross-firm heterogeneity in bank efficiency estimates: Some evidence from Latin America
  Goddard, J. A., Goddard, J., Molyneux, P. & Williams, J. M., 1 Maw 2014, Yn : Journal of Banking and Finance. 40, t. 130-142
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydDynamic capital structure and political patronage: The case of Malaysia
  Ebrahim, M. S., Girma, S., Shah, M. E. & Williams, J. M., Ion 2014, Yn : International Review of Financial Analysis. 31, t. 117-128
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydRationalizing the value premium in emerging markets
  Ebrahim, M. S., Girma, S., Shah, M. E. & Williams, J. M., Maw 2014, Yn : Journal of International Financial Markets, Institutions and Money. 29, t. 51-70
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2013

• CyhoeddwydBank efficiency in Latin America
  Molyneux, P., Williams, J. M. & Pasiouras, F. (gol.), 26 Ebr 2013, Efficiency and Productivity Growth: Modelling in the Financial Services Industry. 2013 gol. Wiley-Blackwell, t. 1-18
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydThe random parameters stochastic frontier cost function and the effectiveness of public policy: Evidence from bank restructuring in Mexico
  Barros, C. P. & Williams, J. M., 1 Rhag 2013, Yn : International Review of Financial Analysis. 30, t. 98-108
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2012

• CyhoeddwydBank restructuring and bank stability in Latin America
  Vo, N., Williams, J. M., Fernández de Guevara Radoselovics, J. (gol.) & Monsalvez, J. P. (gol.), 15 Rhag 2012, Modern Bank Behaviour. 2012 gol. Palgrave Macmillan Publishing, t. 48-67
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydEfficiency and market power in Latin American banking
  Williams, J. M., 1 Rhag 2012, Yn : Journal of Financial Stability. 8, 4, t. 263-276
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2011

• CyhoeddwydThe Luenberger indicator and productivity growth: a note on the European savings banks sector.
  Williams, J. M., Peypoch, N. & Barros, C. P., 1 Maw 2011, Yn : Applied Economics. 43, 6, t. 747-755
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2010

• CyhoeddwydA note on productivity change in European cooperative banks: the Luenberger indicator approach.
  Barros, C. P., Peypoch, N. & Williams, J. M., 1 Maw 2010, Yn : International Review of Applied Economics. 24, 2, t. 137-147
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydWhat does bank financial profile tells us about mergers and acquisitions in Latin American banking?
  Williams, F. C., Williams, J. M., Fiordelisi, F. (gol.), Molyneux, P. (gol.) & Previati, D. (gol.), 1 Ion 2010, New Issues in Financial Institutions Management. 2010 gol. Palgrave Macmillan, t. 153-170
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod

2009

• CyhoeddwydBanking in Latin America.
  Carvalho, F. J., Paula, L. F., Williams, J. M., Berger, A. N. (gol.), Molyneux, P. (gol.) & Wilson, J. O. (gol.), 1 Ion 2009, The Oxford Handbook of Banking. 2009 gol. Oxford University Press, t. 868-902
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod

2008

• CyhoeddwydAre European savings banks too small? A comparison of scale economies and scale efficiency.
  Williams, J. M., 1 Ion 2008, Yn : Journal of Financial Decision Making. 4, 2, t. 45-58
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydBank performance and governance change in Latin America.
  Williams, J. M., 1 Hyd 2008.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydDoes ownership explain bank M&A? The case of domestic banks and foreign banks in Brazil.
  Williams, F. C., Williams, J. M., Arestis, P. (gol.) & De Paula, L. F. (gol.), 1 Ion 2008, Financial Liberalization and Economic Performance in Emerging Countries.. 2008 gol. Palgrave Macmillan, t. 194-216
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydLa UEM y el Sistema Bancario Europeo.
  Gardener, E. P., Molyneux, P. & Williams, J. M., 1 Ion 2008, Yn : Papeles de Economica Espanola. 84-85, t. 118-135
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydThe search for value: cross-border bank M&A in emerging markets.
  Williams, J. M. & Liao, A., 1 Ion 2008, Yn : Comparative Economic Studies. 50, t. 274-296
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2007

• CyhoeddwydAnalysing the determinants of performance of best and worst European banks: a mixed logit approach.
  Barros, C. P., Ferriera, C. & Williams, J. M., 1 Gorff 2007, Yn : Journal of Banking and Finance. 31, 7, t. 2189-2203
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydBank failure, restructuring-driven and market-driven M&A in Latin America: What can bank financial profile tell us?
  Cardias Williams, F. & Williams, J. M., 1 Medi 2007.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydCross-border bank M&A in emerging markets – value creation or destruction?
  Williams, J. M., Liao, A., Molyneux, P. (gol.) & Vallelado, E. (gol.), 1 Ion 2007, Frontiers of Banks in a Global Economy. 2007 gol. Palgrave Macmillan, t. 59-77
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydDoes ownership explain bank M&A? The case of domestic banks and foreign banks in Brazil.
  Cardias Williams, F. & Williams, J. M., 28 Chwef 2007.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydThe financial system in Asia and Australia.
  Williams, J. M. & Nguyen, N., 1 Ion 2007, Yn : Papeles de Economica Espanola. 110, t. 116-144
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2006

• CyhoeddwydDo win-win outcomes exist? A study of cross-border M&A transactions in emerging markets.
  Williams, J. M., 1 Meh 2006.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydDo win-win outcomes exist? A study of cross-border M&A transactions in emerging markets.
  Williams, J. M., 1 Ion 2006.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydDoes ownership explain bank M&A? The case of domestic banks and foreign banks in Brazil.
  Cardias Williams, F. & Williams, J. M., 3 Tach 2006.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydEl sistema financiero en Asia y Australia.
  Nguyen, N. & Williams, J. M., 1 Ion 2006, Yn : Papeles de Economica Espanola. 10, t. 116-144
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydHow significant is the alleged unfair advantage enjoyed by state-owned banks in Germany?
  Chakravarty, S. P. & Williams, J. M., 1 Maw 2006, Yn : Cambridge Journal of Economics. 30, 2, t. 219-226
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydImplications of news asymmetries in foreign exchange markets.
  Williams, J. M., 1 Ebr 2006.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur

2005

• CyhoeddwydBeginning to think about Need: Public Spending in the Regions.
  Mackay, R. R. & Williams, J. M., 1 Ion 2005, Yn : Regional Studies. 39, 6, t. 815-828
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydElectronic banking.
  Williams, J. M. & Garrett, I. (gol.), 1 Ion 2005, The Blackwell Encyclopedia of Management – Finance. 2005 gol. Blackwell
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydFinancial liberalisation, crisis and restructuring: a comparative study of bank performance and bank governance in South East Asia
  Williams, J. M. & Nguyen, N., 1 Awst 2005, Yn : Journal of Banking and Finance. 29, 8&9, t. 2119-2154
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydThe Productivity of European Co-operative Banks.
  Molyneux, P. & Williams, J. M., 1 Ion 2005, Yn : Managerial Finance. 31, 11, t. 26-35
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2004

• CyhoeddwydDetermining management behaviour in European banking.
  Williams, J. M., 1 Hyd 2004, Yn : Journal of Banking and Finance. 28, 10, t. 2427-2460
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydLiberalisation, ownership, efficiency and productivity issues: A comparative study of South East Asian banking.
  Williams, J. M. & Nguyen, N., 1 Mai 2004.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydVolatility transmission and changes in stock market interdependence in the European Community.
  Liao, A. & Williams, J. M., 1 Gorff 2004, Yn : European Review of Economics and Finance. 3, 3, t. 203-231
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2003

• CyhoeddwydA Note on Technical Change in Banking: The Case of European Savings Banks.
  Carbo, S., Gardener, E. P. & Williams, J. M., 1 Ion 2003, Yn : Applied Economics. 35, 6, t. 705-719
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydCompetitive Banking in the EU and Euroland.
  Gardener, E. P., Molyneux, P., Williams, J. M., Mullineux, A. W. (gol.) & Murinde, V. (gol.), 1 Ion 2003, Handbook of international banking. 2003 gol. Edward Elger, t. 130-156
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydDetermining management behaviour in European banking.
  Williams, J. M., 11 Ebr 2003.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydLiberalisation, ownership, and efficiency: A comparative study of South East Asian banking.
  Williams, J. M. & Nguyen, N., 1 Tach 2003.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydThe competitiveness of regional banking in the Europe of the euro.
  Williams, J. M. & Donges, J. B. (gol.), 1 Ion 2003, The financial system in the Europe of the euro. 2003 gol. ICO Foundation
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydThe efficiency of European regional banking.
  Williams, J. M. & Gardener, E. P., 1 Meh 2003, Yn : Regional Studies. 37, 4, t. 321-330
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydVolatility transmission and changes in stock market interdependence in the European Community.
  Liao, A. & Williams, J. M., 1 Hyd 2003.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur

2002

• CyhoeddwydAre European savings banks too small? A comparison of scale economies and scale efficiency.
  Williams, J. M., 4 Gorff 2002.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydEfficiency in Banking: Empirical Evidence from the Savings Banks Sector.
  Carbo, S., Gardener, E. P. & Williams, J. M., 1 Maw 2002, Yn : Manchester School. 70, 2, t. 204-228
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydFinancial liberalisation and the profit efficiency of domestic-owned and foreign-owned banks in Thailand.
  Williams, J. M. & Intarachote, T., 27 Ebr 2002.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydMonitoring changes and structural trends in the domestic market for financial services: Interpretational scheme of the system of indicators to be used: preliminary results.
  Williams, J. M., 1 Maw 2002, Unknown.
  Allbwn ymchwil: Llyfr/Adroddiad › Adroddiad Comisiwn
• CyhoeddwydThe monitoring of structural changes and trends in the internal market for financial services.
  Williams, J. M., 1 Hyd 2002, Unknown.
  Allbwn ymchwil: Llyfr/Adroddiad › Adroddiad Comisiwn

2001

• CyhoeddwydBad luck or bad management: Management behaviour in European banking.
  Williams, J. M., 1 Medi 2001.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydFinancial deregulation and productivity change in European banking.
  Williams, J. M., 1 Rhag 2001, Yn : Revue de la Banque. t. 470-477
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydInstitutional investment flows and the regions of the UK: a case for a new financial infrastructure?
  Williams, J. M., Gardener, E. (gol.) & Versliys, P. (gol.), 1 Ion 2001, Bank Strategies and Challenges in the New Europe. 2001 gol. Macmillan
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod

2000

• CyhoeddwydAdaptive strategies by European savings banks: a case study of Spain.
  Carbo, S., Gardener, E. P., Molyneux, P., Williams, J. M., Gardener, E. (gol.) & Falzon, J. (gol.), 1 Ion 2000, Strategic Challenges in European Banking. 2000 gol. Macmillan
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydEfficiency and technical change in Europe’s Savings Banks Industry.
  Carbo, S., Gardener, E. P. & Williams, J. M., 1 Ion 2000, Yn : Revue de la Banque. 64, 6, t. 381-394
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl
• CyhoeddwydEfficiency in Banking: empirical evidence from the savings banks sector.
  Williams, J. M. & Gardener, E. P., 1 Meh 2000.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydEfficiency in European Regional Banking.
  Williams, J. M. & Gardener, E. P., 1 Ion 2000.
  Allbwn ymchwil: Cyfraniad at gynhadledd › Papur
• CyhoeddwydStakeholder Value in European Savings Banks.
  Carbo, S., Williams, J. M. & Schuster, L. (gol.), 1 Ion 2000, Shareholder Value Management in Banks. 2000 gol. Macmillan
  Allbwn ymchwil: Pennod mewn Llyfr/Adroddiad/Trafodion Cynhadledd › Pennod
• CyhoeddwydThe Size and Growth of Banks: Evidence from Four European Countries.
  Wilson, J. O. & Williams, J. M., 1 Gorff 2000, Yn : Applied Economics. 32, 9, t. 1101-1109
  Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl

2019

• A response to a consultation on Access to Banking in Wales.

  Provided a response to a consultation on Access to Banking in Wales. http://senedd.assembly.wales/mgConsultationDisplay.aspx?id=354&RPID=1516759536&cp=yes

  10 Ebr 2019 – 17 Mai 2019

  Cysylltau:

  • http://senedd.assembly.wales/mgConsultationDisplay.aspx?id=354&RPID=1516759536&cp=yes
  Gweithgaredd: Mathau o waith ymgysylltu academaidd allanol - Cyfraniad at waith pwyllgorau a gweithgorau cenedlaethol neu ryngwladol (Cyfrannwr)

• OPTIBANK-Optimizing Research and Doctoral Progr. in Banking and Finance in Indonesian universities

  15/10/2017 – 14/11/2021 (Wedi gorffen)