5. Abaenewe, Z. C., Ogbulu, O. M., & Ndugbu, M. O. (2013). Electronic banking and bank performance in Nigeria. West African Journal of Industrial and Academic Research, 6(1), 171-187.

6. Abuzayed, B., Al-Fayoumi, N., & Molyneux, P. (2018). Diversification and bank stability in the GCC. Journal of International Financial Markets, Institutions and Money, 57, 17-43. [DOI:10.1016/j.intfin.2018.04.005]

7. Acharya, V. V, Hasan, I., & Saunders, A. (2002). Should banks be diversified? evidence from individual bank portfolios. Federal Reserve Bank of Chicago Proceedings, 836. [DOI:10.2139/ssrn.293295]

8. Adesina, K., Erin, O., Ajetunmobi, O., Ilogho, S., & Asiriuwa, O. (2020). Does forensic audit influence fraud control? evidence from Nigerian deposit money banks. Banks and Bank Systems, 15(2), 214-229. [DOI:10.21511/bbs.15(2).2020.19]

9. Adzobu, L. D., Agbloyor, E. K., & Aboagye, A. (2017). The effect of loan portfolio diversification on banks' risks and return: Evidence from an emerging market. Managerial Finance, 43(11), 1274-1291. [DOI:10.1108/MF-10-2016-0292]

10. Amidu, M., & Wolfe, S. (2013). Does bank competition and diversification lead to greater stability? Evidence from emerging markets. Review of Development Finance, 3(3), 152-166. [DOI:10.1016/j.rdf.2013.08.002]

11. Anderson, T. W., & Hsiao, C. (1981). Estimation of dynamic models with error components. Journal of the American Statistical Association, 76(375), 598-606. [DOI:10.1080/01621459.1981.10477691]

12. Baele, L., De Jonghe, O., & Vander Vennet, R. (2007). Does the stock market value bank diversification? Journal of Banking and Finance, 31(7), 1999-2023. [DOI:10.1016/j.jbankfin.2006.08.003]

13. Balestra, P., & Nerlove, M. (1966). Pooling cross section and time series data in the estimation of a dynamic model: The demand for natural gas. Econometrica: Journal of the Econometric Society, 585-612. [DOI:10.2307/1909771]

14. Baltagi, B. H., & Baltagi, B. H. (2008). Econometric analysis of panel data (Vol. 4). Springer.

15. Beck, T., & De Jonghe, O. (2013). Lending concentration, bank performance and systemic risk: exploring cross-country variation. World Bank Policy Research Working Paper, 6604. [DOI:10.1596/1813-9450-6604]

16. Brahmana, R., Kontesa, M., & Gilbert, R. E. (2018). Income diversification and bank performance: evidence from Malaysian banks. Economics Bulletin, 38(2), 799-809.

17. Carbó Valverde, S., & Rodríguez Fernández, F. (2007). The determinants of bank margins in European banking. Journal of Banking and Finance, 31(7), 2043-2063. [DOI:10.1016/j.jbankfin.2006.06.017]

18. Chiorazzo, V., Milani, C., & Salvini, F. (2008). Income diversification and bank performance: Evidence from Italian banks. Journal of Financial Services Research, 33(3), 181-203. [DOI:10.1007/s10693-008-0029-4]

19. Dey, F., & Cruzvergara, C. Y. (2014). Evolution of Career Services in Higher Education. New Directions for Student Services, 2014(148), 5-18. [DOI:10.1002/ss.20105]

20. Doan, A. T., Lin, K. L., & Doong, S. C. (2018). What drives bank efficiency? The interaction of bank income diversification and ownership. International Review of Economics and Finance, 55, 203-219. [DOI:10.1016/j.iref.2017.07.019]

21. Eliasu, N., Senyo, D. B., Olivia, A.-T., & Musah, A. (2015). Income Diversification and Financial Stability of Banks in Ghana. International Journal of Business and Social Science, 6(6), 177-184. www.ijbssnet.com

22. European Banking Authority. (2022). Risk Dashboard. February, 32. http://www.eba.europa.eu/risk-analysis-and-data/risk-dashboard

23. Goddard, J., McKillop, D., & Wilson, J. O. S. (2008). The diversification and financial performance of US credit :union:s. Journal of Banking and Finance, 32(9), 1836-1849. [DOI:10.1016/j.jbankfin.2007.12.015]

24. Goetz, M. R. (2012). Bank Diversification, Market Structure and Bank Risk Taking: Theory and Evidence from U.S. Commercial Banks. SSRN Electronic Journal, 12-2. [DOI:10.2139/ssrn.2651161]

25. Gürbüz, A. O., Yanik, S., & Aytürk, Y. (2013). Income Diversification and Bank Performance: Evidence from Turkish Banking Sector. BDDK Bankacılık ve Finansal Piyasalar, 7(1), 9-29. https://www.bddk.org.tr/WebSitesi/english/Reports/BRSA_Journal/13907makale1.pdf

26. Hamdi, H., Hakimi, A., & Zaghdoudi, K. (2017). Diversification, bank performance and risk: have Tunisian banks adopted the new business model? Financial Innovation, 3(1). [DOI:10.1186/s40854-017-0069-6]

27. Hsiao, C. (2022). Analysis of panel data. Cambridge university press. [DOI:10.1017/9781009057745]

28. Jeon, Y., & Miller, S. M. (2006). Market definition, concentration, and bank performance. Concentration, and Bank Performance (July 2006). [DOI:10.2139/ssrn.1006306]

29. Kang, W., Ratti, R. A., & Vespignani, J. (2020). Impact of global uncertainty on the global economy and large developed and developing economies. Applied Economics, 52(22), 2392-2407. [DOI:10.1080/00036846.2019.1690629]

30. Khrawish, H. A., & Al-Sa'di, N. M. (2011). The impact of e-banking on bank profitability: Evidence from Jordan. Middle Eastern Finance and Economics, 13(1), 142-158.

31. Li, X., Feng, H., Zhao, S., & Carter, D. A. (2021). The effect of revenue diversification on bank profitability and risk during the COVID-19 pandemic. Finance Research Letters, 43(December 2020), 101957. [DOI:10.1016/j.frl.2021.101957]

32. Lin, Y., Shi, X., & Zheng, Z. (2021). Diversification strategy and bank market power: does foreign ownership matter? Applied Economics Letters, 28(4), 269-273. [DOI:10.1080/13504851.2020.1751798]

33. Luu, H. N., Nguyen, L. Q. T., Vu, Q. H., & Tuan, L. Q. (2020). Income diversification and financial performance of commercial banks in Vietnam: Do experience and ownership structure matter? Review of Behavioral Finance. [DOI:10.1108/RBF-05-2019-0066]

34. Maddala, G. S., & Wu, S. (1999). A comparative study of unit root tests with panel data and a new simple test. Oxford Bulletin of Economics and Statistics, 61(S1), 631-652. [DOI:10.1111/1468-0084.0610s1631]

35. Martin, D. (1977). Early warning of bank failure. A logit regression approach. Journal of Banking and Finance, 1(3), 249-276. [DOI:10.1016/0378-4266(77)90022-X]

36. Mercieca, S., Schaeck, K., & Wolfe, S. (2007). Small European banks: Benefits from diversification? Journal of Banking and Finance, 31(7), 1975-1998. [DOI:10.1016/j.jbankfin.2007.01.004]

37. Moudud-Ul-Huq, S., Zheng, C., Gupta, A. Das, Hossain, S. K. A., & Biswas, T. (2020). Risk and Performance in Emerging Economies: Do Bank Diversification and Financial Crisis Matter? Global Business Review. [DOI:10.1177/0972150920915301]

38. Nisar, S., Peng, K., Wang, S., & Ashraf, B. N. (2018). The impact of revenue diversification on bank profitability and stability: Empirical evidence from South Asian countries. International Journal of Financial Studies, 6(2), 40. [DOI:10.3390/ijfs6020040]

39. Oyewole, O. S., Abba, M., Gambo, J., & Abam, I. (2013). E-banking and bank performance: Evidence from Nigeria. International Journal of Scientific Engineering and Technology, 2(8), 766-771.

40. Pesaran, M. H. (2015). Time series and panel data econometrics. Oxford University Press. [DOI:10.1093/acprof:oso/9780198736912.001.0001]

41. Ramanujam, V., & Varadarajan, P. (1989). Research on corporate diversification: A synthesis. Strategic Management Journal, 10(6), 523-551. [DOI:10.1002/smj.4250100603]

42. Sanya, S., & Wolfe, S. (2011). Can Banks in Emerging Economies Benefit from Revenue Diversification? Journal of Financial Services Research, 40(1), 79-101. [DOI:10.1007/s10693-010-0098-z]

43. Sharma, S., & Anand, A. (2018). Income diversification and bank performance: evidence from BRICS nations. International Journal of Productivity and Performance Management, 67(9), 1625-1639. [DOI:10.1108/IJPPM-01-2018-0013]

44. Smith, R. J., & Hsiao, C. (1988). Analysis of Panel Data. In Economica (Vol. 55, Issue 218). Cambridge university press. [DOI:10.2307/2554479]

45. Stiroh, K. J. (2005). Diversification in Banking: Is Noninterest Income the Answer? SSRN Electronic Journal, 853-882. [DOI:10.2139/ssrn.334420]

46. Stomper, A. (2006). A theory of banks' industry expertise, market power, and credit risk. Management Science, 52(10), 1618-1633. [DOI:10.1287/mnsc.1060.0559]

47. Tariq, W., Usman, M., Mir, H. Z., Aman, I., & Ali, I. (2014). Determinants of Commercial Banks Profitability: Empirical Evidence from Pakistan. International Journal of Accounting and Financial Reporting, 1(1), 1. [DOI:10.5296/ijafr.v4i2.5939]

48. Tariq, W., Usman, M., Tariq, A., Rashid, R., Yin, J., Memon, M. A., & Ashfaq, M. (2021). Bank maturity, income diversification, and bank stability. Journal of Business Economics and Management, 22(6), 1492-1511. [DOI:10.3846/jbem.2021.15583]

49. Uniamikogbo, E., Okoye, E. I., & Chinazu, A. (2020). Non-Interest Income and Financial Performance of Selected Deposit Money Banks in Nigeria. International Journal of Business Strategy and Automation, 1(3), 52-66. https://doi.org/10.4018/IJBSA.2020070105 [DOI:10.4018/ijbsa.2020070105]

50. Winton, A. (1999). Don't put all your eggs in one basket? Diversification and specialization in lending. Diversification and Specialization in Lending (September 27, 1999). [DOI:10.2139/ssrn.173615]

51. Zouaoui, H., & Zoghlami, F. (2020). On the income diversification and bank market power nexus in the MENA countries: Evidence from a GMM panel-VAR approach. Research in International Business and Finance, 52, 101186. https://doi.org/10.1016/j.ribaf.2020.101186 [DOI:10.1016/j.ribaf.2020.101186. Journal of Monetary & Banking Research]