The paper examines how loan portfolio diversification drives bank returns, mainly focusing on the conditioning roles of … increased sectoral loan portfolio diversification reduces bank returns, but not all banks are equally affected. Banks that … adopted a business model towards non-interest activities are hurt less from loan portfolio diversification, and bank market …

applied to macroeconomic and bank-level data spanning 2000 ‐15. Findings Bank lending is supported by strong bank balance … non-oil private sector GDP. Lower bank concentration also helps, likely through greater competition, so does stronger … remained robust in 2015 despite oil prices having declined, helped by strong bank balance sheets and as banks reduced their …

findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and … strong income diversification policies lower the likelihood of default risk. The overall empirical results supported the … “operating efficiency”, “diversification” and “too big to fail” hypotheses, confirming that credit quality in the banking …

We investigate the impact of interest and non-interest products and services on the margin a bank can derive from a … contribute to the bank’s margin, whereas short-term loans as well as other additional products and services do not affect the … bank’s margin, and cash management services even seem to reduce the bank’s margin. The findings suggest that small …

that geographic diversification and distance between bank branches and headquarters do not affect the performance of the … of geographic diversification and distance on the performance of banks, the market power of loans and deposits, and the … banks, but geographic diversification of banks in different areas affects the market power of loans and deposits. The …

This study investigates the impact of multimarket contacts on bank profitability in the Vietnamese banking system from … geographically diversified, more technically efficient, and have lower credit risk. Regarding the role of bank ownership, more …

This study empirically examines the impact of geographic expansion and income diversification on bank stability in … geographic expansion can enhance bank stability while income diversification per se does not. The results also indicate that … state-owned commercial banks could only benefit from geographic expansion rather than from income diversification. However …