- Abbasiyan, A. Falahi, S. & Rahmani, A. (2016). The effect of diversification on the facility portfolio on banks' credit risk. Financial Research, 18: 149-166. (In Persian)
- Baele, L. Jonghe, O.D. & Venner, R. V. (2007). Does the stock market value bank diversification?. Journal of Banking and Finance, 31:1999-2023.
- Batten, J. & Vo, X.V. (2016). Bank risk shifting and diversification in an emerging market. Risk. Manage, 18 (4): 217–235 .
- Bebczuk, R. & Galindo, A. (2008). Financial crisis and sectoral diversification of Argentine banks. Applied Financial Economics, 18(3): 199- 211.
- Berger, A. Hasan, I. & Zhou, M. (2010). The Effects of Focus Versus Diversification on Bank Performance: Evidence from Chinesebanks. Journal of Banking & Finance, 34: 1417–1435.
- Chiorazzo, V. Milani, C. & Salvini, F. (2008). Income Diversification and Bank Performance: Evidence from Italian Banks. Journal of Financial Services Research, 33: 181–203.
- Deng, S. E. Elyasiani, E. & Mao, C.X. (2007). Diversification and the Cost of Debt of Bank Holding Companies. Journal of Banking& Finance, 31: 2453–2473.
- DeYoung, R. & Rice, T. (2004). Noninterest Income and Financial Performance at US Commercial Banks. The Financial Review, 39:101 – 127.
- DeYoung, R. & Roland, K. (2001). Product Mix and Earnings Volatility at Commercial Banks: Evidence from a Degree of Total Leverage Model. Journal of Financial Intermediation, 10: 54–84.
- Diamond, D. (1984). Financial Intermediation and Delegated Monitoring. Review of Economic Studies, 51: 393-414.
- Doumpos, M. Gaganis, C. & Pasiouras, F. (2016). Bank diversification and overall financial strength: international evidence. Financ. Markets Inst, 25 (3): 169–213 .
- Ebrahimi, K. Shahriyari, M. & Mehmannavazan, S. (2016). Investigating the effect of income diversity on the performance of banks accepted in the Tehran Stock Exchange. Financial knowledge analysis of securities ,30: 67-75. (In Persian)
- Elsas, R. Hackethal, A. & Holzhauser, M. (2010). The anatomy of bank diversification. Journal of Banking and Finance, 34: 1274–1287.
- Goddard, J. McKillop, D. & Wilson, J. (2008). The Diversification and Financial Performance of US Credit Unions. Journal of Banking & Finance, 32: 1836–1849.
- Lepetit, L. Nys, E. Rous, P. & Tarazi, A. (2008). Bank Income Structure and Risk- an Empirical Analysis of European Banks. Journalof Banking & Finance, 32: 1452–1467.
- Liang, H. Chen, I. & Chen, S. (2016). Does corporate governance mitigate bank diversification discount? Int. Rev. Econ. Finance, 45: 129–143 .
- Meslier, C. Tacneng, R. & Tarazi, A. (2014). Is bank income diversification benefical? Evidence from an emerging economy, Int. Fin.markets, Inst. and money 31: 97-126.
- Mirzaei, A. & Kutan, A.M. (2016). Does bank diversification improve output growth? Evidence from the recent global crisis. Int. Rev. Finance .16 (3): 467–481 .
- Moshiri A. & Karimi, M. (2008). Optimal management of assets and liabilities in banks using GP & AHP planning model (Case study: Entrepreneur Bank). Financial Research, 1: 89-114. (In Persian)
- Odesanmi, S. & Wolfe, S. (2007). Revenue diversification and insolvency risk:Evidence from banks in emerging economies. Available online at: www.cass.city.ac.uk.
- Pashaei Fam, R. & Keshavarziyan peyvasti, A. (2011). Monetary policies (instrumental-institutional) in line with the economic transformation plan. The 21st Conference on Monetary and Foreign Exchange Policies, 371-391. (In Persian):
- Pennathur, A.K. Subrahmanyam, V. & Vishwasrao, S. (2012). Income diversification and risk: does ownership matter? An empirical examination of indian banks. journal of banking & finance. 36: 2203-2215.
- Ramakrishnan, R. & Thakor, A. (1984).Information Reliability and a Theory of Financial Intermediation. The Review of Economic Studies, 51: 415-432.
- Rossi, S. P. Schwaiger, M. S. & Winkler, G. (2009). How loan portfolio diversification affects risk, efficiency and capitalization: A managerial behavior model for Austrian banks. Journal of Banking & Finance, 33(12): 2218- 2226.
- Sawada, M. (2013). How does the stock market value bank diversification? Empirical evidence from Japanese banks. Pacific basin finance journal , 25: 40-61.
- Shachera, M. & Jozjani, N. (2016). Diversity of income and profitability in the country's banking network. Quarterly Journal of Financial and Economic Policy, 14: 33-52. (In Persian)
- Turkmen, S.Y. & Yigit, I. (2012). Diversification in banking and its effect on bank’s performance evidence from Turkey. American International journal of contemporary Research, 12: 111-119.
- Vinh Vo, X. (2017). How does the stock market value bank diversification? Evidence from Vietnam. Finance Research Letters, 22:101–104.