• 1 Introduction
  • 2 Review of literature
  • 3 Factors influencing banks’ changing income and profit structure
  • 4 Variables, data and the empirical model
  • 4.1 Measures of different income sources, diversification and performance
  • 4.2 Data
  • 4.3 The empirical model
  • 5 Regression results
  • 5.1 Return and risk-adjusted return in the fee business
  • 5.2 Risk in the fee business
  • 5.3 Interest margin and non-interest income
  • 6 Conclusion