This paper dresses a literature systematic review based on 83 peer-reviewed papers studying the impact of income diversification on bank performance. This review is motivated especially by the mixed literature findings about the effectiveness of income diversification on bank performance. Findings indicate that the nature of the effect of diversification on bank performance depends on a range of factors concerning the research methodology adopted. Indeed, the results reveal that the mixed results may be caused by the fact that researchers have examined the diversification–performance relationship in different study settings (US, Europe, MENA, Asia) using different study periods, different measures of diversification, and performance, different estimation methods and different regression models including different control variables. We think that our review would be important for practitioners and regulators to assess the empirical benefits of this profound change in the traditional banking business. Also, our paper might highlight the related pertinent academic issues that should be addressed in the future.

本文基于 83 篇研究收入多元化对银行业绩影响的同行评议论文进行了文献系统回顾。这篇评论的动机尤其是关于收入多样化对银行业绩的有效性的混合文献调查结果。研究结果表明，多元化对银行业绩影响的性质取决于所采用的研究方法的一系列因素。事实上，结果表明，混合结果可能是由于研究人员使用不同的研究时期、不同的多元化衡量标准和绩效检查了不同研究环境（美国、欧洲、中东和北非、亚洲）的多元化-绩效关系，不同的估计方法和不同的回归模型，包括不同的控制变量。我们认为，我们的审查对于从业人员和监管机构评估传统银行业务的这种深刻变化的经验收益非常重要。此外，我们的论文可能会强调未来应该解决的相关相关学术问题。