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Income Diversification, Bank Monitoring, and Risk: Evidence during the COVID-19 Pandemic

Ari Christianti et al.

Asian Academy of Management Journal of Accounting and Finance2025https://doi.org/10.21315/aamjaf2025.21.2.5article
ABDC C
Weight
0.50

What the paper says

This article investigates the relationship among income diversification, bank monitoring and financial risk in the context of commercial banks in Indonesia. Using panel data of 91 Indonesian commercial banks operating during the COVID-19 pandemic, we find that income diversification can reduce bank risk, while monitoring is negatively associated with that risk. While our investigation does not indicate that monitoring can alter the impact of income diversification on bank risk, the results suggest that policymakers should adopt banking transformation by diversifying their income, particularly during a crisis such as the COVID-19 pandemic. We also suggest that banks enhance monitoring to obtain a good external perception that can ultimately increase a bank’s stability.

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Cite this paper

https://doi.org/https://doi.org/10.21315/aamjaf2025.21.2.5

Or copy a formatted citation

@article{ari2025,
  title        = {{Income Diversification, Bank Monitoring, and Risk: Evidence during the COVID-19 Pandemic}},
  author       = {Ari Christianti et al.},
  journal      = {Asian Academy of Management Journal of Accounting and Finance},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.21315/aamjaf2025.21.2.5},
}

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Income Diversification, Bank Monitoring, and Risk: Evidence during the COVID-19 Pandemic

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.