Cheng, Ming-Chang, Muhammad Alamgir, Muhammad Adil, and Messaoude Nebie. “Banks’ Income Diversification and Performance During Pre and Post-COVID-19 Pandemic”. NUST Business Review 8, no. 1 (July 8, 2026). Accessed August 15, 2026. https://nbr.nust.edu.pk/index.php/nbr/article/view/162.