8. Al-Khouri, R. & Arouri, H. (2016). The simultaneous estimation of credit growth, valuation, and stability of the Gulf Cooperation Council banking industry. Journal of Economic Systems 40. 499-518 [DOI:10.1016/j.ecosys.2015.12.005]

9. Arellano, M. & Bond, S. (1991). Some tests of specification for panel data: Monte Carlo evidence and an application to employment equations, Review of Economic Studies, 58(2), pp. 277-297. [DOI:10.2307/2297968]

10. Bouvatier, V., Lepetit, L., Rehault, P. N., & Strobel, F. (2017). Bank insolvency risk and Z score measures: Caveats and best practice. SSRN Electronic Journal. [DOI:10.2139/ssrn.2892672]

11. Brealey, R. A., Myers, S. C., & Marcus, A. J. (2019). Fundamentals of Corporate Finance. McGraw-Hill Education.

12. Chronopoulos, D.K., Liu, H., McMillan, F.J. & Wilson, J.O. (2013). The dynamics of US bank profitability. The European Journal of Finance, Vol. 21 No. 5, pp. 426-443. [DOI:10.1080/1351847X.2013.838184]

13. Demirgüç-Kunt, A., & Huizinga, H. (2010). Bank activity and funding strategies: The impact on risk and returns. Journal of Financial Economics, 98(3), 626-650. [DOI:10.1016/j.jfineco.2010.06.004]

14. IMF. (2019). Global financial stability report. International Monetary Fund.

15. Goddard, J., Liu, H., Molyneux, P. & Wilson, J.O.S. (2011). The persistence of bank profit. Journal of Banking & Finance, 35(11), pp. 2881-2890. [DOI:10.1016/j.jbankfin.2011.03.015]

16. Goddard, J., Liu, H., Molyneux, P. & Wilson, J.O.S. (2013). Do bank profits converge? European Financial Management, 19(2), pp. 345-365. [DOI:10.1111/j.1468-036X.2012.00578.x]

17. Gelindon, J. B., Velasco, R. M. A., & Gante, D. D. (2022). Credit risk evaluation in banking and lending sectors using neural network model. Journal of Corporate Finance Management and Banking System, 23, 12-35. [DOI:10.55529/jcfmbs23.12.35]

18. Hanganu, A. C. (2023). Key regulatory initiatives in EU sustainable banking. Key Regulatory Initiatives in EU Sustainable Banking, Query date: 2024-08-19 20:25:15, 1- 62. https://doi.org/10.1163/9789004543195_002 [DOI:10.1163/9789004543195_002.]

19. Hafeez, B., Li, X., Kabir, M. H., & Tripe, D. (2022). Measuring bank risk: Forward-looking z-score. International Review of Financial Analysis, 80, 1-14. [DOI:10.1016/j.irfa.2022.102039]

20. Kaur, G. (2023). Indicators of risk management in banking sector banking sector. Handbook of Evidence Based Management Practices in Business, Query date: 2024- 08-19 20:25:15, 39-44. [DOI:10.4324/9781003415725-6]

21. Kumar, N., Gupta, P., & Singh, S. (2023). Impact of digital innovations on bank profitability and stability: Evidence from global banks. Journal of Financial Technology, 3(1), 67-84.

22. Laeven, L., & Valencia, F. (2018). Systemic banking crises revisited. IMF Working Paper. [DOI:10.5089/9781484376379.001]

23. Lepetit, L., & Strobel, F. (2015). Bank insolvency risk and Z-score measures: A refinement. Finance Research Letters, 13, 214-224. [DOI:10.1016/j.frl.2015.01.001]

24. Li, X. (2018). An examination of bank risk measures and their relationship to systemic risk measurement: A dissertation presented in partial fulfilment of the requirements for the degree of doctoral of philosophy in finance at Massey University, Manawatu (Turitea). New Zealand Massey University.

25. Sifrain, R. (2021). Determinants of banking stability: Evidence from Haiti's banking system. Journal of Financial Risk Management, 10(1), 80-99. [DOI:10.4236/jfrm.2021.101005]

26. Sardana, V., & Singhania, S. (2024). Insuring deposits, ensuring stability: A critical evaluation of six decades of deposit insurance in the Indian banking sector. Journal of Risk Management in Financial Institutions, 17(2), 197-197. https://doi.org/10.69554/FLOV6280 [DOI:10.69554/flov6280.]

27. Mokni, R. B. S., Rajhi, M. T., & Rachdi, H. (2016). Bank risk-taking in the MENA region: A comparison between Islamic banks and conventional banks. International Journal of Social Economics, 43(12), 1367-1385. https://doi.org/10.1108/IJSE-03-2015-0050 [DOI:10.1108/IJSE-03-2015-0050.]

28. Nguema Bekale, A., Alagidede, I. P., & Odei-Mensah, J. (2022). Derivatives use and the business lending efficiency of African banks. Studies in Economics and Econometrics, 46, 105-124. https://doi.org/10.1080/03796205.2022.2109503 [DOI:10.1080/03796205.2022.2109503.]

29. Nguyen, T.T. & Nguyen, T.T. (2023). Income diversification, credit risk and bank stability: Evidence from an emerging market. Cogent Economics & Finance, 11(1), 687-707. [DOI:10.1080/23322039.2023.2244769]

30. Rahman, M. A., Tahsin, T., & Hossain, M. A. (2022). Macroeconomic determinants of bank profitability and stability: Evidence from Asian countries. Journal of Economics, 49(2), 256-274.

31. Zaghdoudi, K. (2019). The effects of risks on the stability of Tunisian conventional Banks. Asian Ecomonic and Financial Review, 9(3), 382-401. [DOI:10.18488/journal.aefr.2019.93.389.401]

32. Zhang, L. & Li, Y. (2023). Risk management, stability, and profitability in East Asian banks. Journal of Banking and Finance, 56(4), 320-340.