. This paper investigates whether diversification influences banks' investment (credit) policy and profitability. Diversified … banks appear to benefit from “coinsurance,” supply more credit, and seem more profitable. However, diversification does not … diversification may impact banks' credit supply and therefore the real economy …

possible benefits from combining banking and commerce, including portfolio diversification, the creation of internal capital … that portfolio diversification could be an important benefit from combining banks with some types of nonbank firms. The … authors stress that bank management contemplating diversification into the commercial sector must be selective about which …

period from 2002 to 2019. Our results show that funding and income (assets) diversification has a positive (detrimental …) effect on the cost efficiency of the banks, while funding (income) diversification has a significantly negative (positive …) effect on profit efficiency. Our findings reveal that during the global financial crisis asset diversification is not …