IOSR-JEF   Volume-16 ~ Issue-5 ~ Sep. – Oct. 2025

[1]. Adzobu, L. D., Agbloyor, E. K., & Aboagye, A. (2017). The Effect Of Loan Portfolio Diversification On Banks’ Risks And Return: Evidence From An Emerging Market. Managerial Finance, 43(11), 1274-1291.
[2]. Ali, B. J., & Oudat, M. S. (2020). Financial Risk And The Financial Performance In Listed Commercial And Investment Banks In Bahrain Bourse. International Journal Of Innovation, Creativity, And Change, 13(12), 160-180.
[3]. Alkhouri, R., & Arouri, H. (2019). The Effect Of Diversification On Risk And Return In The Banking Sector. International Journal Of Managerial Finance, 15(1), 100-128.
[4]. Amin, M. A. M., Sanusi, N. A., Kusairi, S., & Abdallah, Z. M. (2014). Inverse Relationship Of Financial Risk And Performance In Commercial Banks In Tanzania. Investment Management And Financial Innovations, 11(4), 279-291.

[1]. Bajwa, Harpreet. “Punjab Reels Under Worst Floods: 1,312 Villages Affected, 26 Dead; CM Mann Seeks Rs 60,000 Cr “Pending” State Fund.” The New Indian Express, 31 Aug. 2025, Www.Newindianexpress.Com/Nation/2025/Aug/31/Punjab-Reels-Under-Worst-Floods-1312-Villages-Affected-26-Dead-Cm-Mann-Seeks-Rs-60000-Cr-Pending-State-Fund. Accessed 15 Sept. 2025.
[2]. India. “Urbanization Is Intensifying India’s Summer Heat And Rain.” TIME, Time, 7 July 2025, Time.Com/7300435/India-Urbanization-Climate-Impacts-Heat-Monsoons/. Accessed 16 Sept. 2025.
[3]. Prakash, Priya. “Punjab Flood: Volunteers Send Boats, Rations, Mosquito Nets; State Unites In Relief Efforts As Thousands Stra.” Indiatimes, 2 Sept. 2025, Indiatimes.Com/Trending/Punjab-Flood-Volunteers-Send-Boats-Rations-Mosquito-Nets-State-Unites-In-Relief-Efforts-As-Thousands-Stranded-In-Villages-668589.Html. Accessed 16 Sept. 2025.

[1]. Afonso, A., & Furceri, D. (2010). Government Size, Composition, Volatility And Economic Growth. European Journal Of Political Economy, 26(4), 517-532.
[2]. Aldama, P., & Creel, J. (2017). Why Fiscal Regimes Matter For Fiscal Sustainability: An Application To France. Paris School Of Economics Working Paper.
[3]. Ballabriga, F. C., & Martinez-Mongay, C. (2005). Sustainability Of EU Public Finances (Vol. 225). European Commission, Directorate-General For Economic And Financial Affairs.
[4]. Barro, R. J. (1996). Reflections On Ricardian Equivalence. National Bureau Of Economic Research. Working Paper 5502. DOI 10.3386/W5502 Https://Www.Nber.Org/Papers/W5502
[5]. Bohn, H. (1998). The Behavior Of US Public Debt And Deficits. The Quarterly Journal Of Economics, 113(3), 949–963. Doi 10.1162/003355398555793

[1]. Https://Aviationa2z.Com/Index.Php/2024/11/07/How-10-Hour-Flight-Make-Money/#:~:Text=Interestingly%2C%20while%20first%20class%2C%20business,Is%20a%20carefully%20calculated%20strategy.
[2]. Https://Www.Trondent.Com/Business-Travel-Statistics/#:~:Text=Business%20passengers%20represent%2075%20percent,Of%20profit%20for%20increased%20sales.
[3]. Https://Www.Wsj.Com/Market-Data/Quotes/SG/XSES/C6L/Financials/Annual/Balance-Sheet?Gaa_At=Eafs&Gaa_N=Aswzdag8cotmszbsvbtwbzhxx3w0qgtwvsutvrx6ayghkekmonae1pkc6sso&Gaa_Sig=Dbzpj__9_Vbtcje2j9hwbpxzuibztdnomqacxewrjonz4nwossh5ryvjaqel5dt8klmyp7gx1pj99ese7-Iqna%3D%3D&Gaa_Ts=68c98595&Utm
[4]. Https://Www.Singaporeair.Com/Content/Dam/Sia/Web-Assets/Pdfs/About-Us/Information-For-Investors/Financial-Results/Auditedfs-Fy2425.Pdf?Utm
[5]. Https://Www.Singaporeair.Com/Saar5/Pdf/Investor-Relations/Annual-Report/Annualreport2223.Pdf?Utm

[1]. Baker, M., & Wurgler, J. (2007). Investor Sentiment In The Stock Market. Journal Of Economic Perspectives, 21(2), 129-151.
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[3]. Barberis, N., Shleifer, A., & Vishny, R. W. (1998). A Model Of Investor Sentiment. Journal Of Financial Economics, 49(3), 307-343. Https://Doi.Org/10.1016/S0304-405X(98)00027-0
[4]. Brown, G. W., & Cliff, M. T. (2005). Investor Sentiment And Asset Valuation. Journal Of Business, 78(2), 405-440. Https://Doi.Org/10.1086/427657
[5]. De Bondt, W. F., & Thaler, R. H. (1985). Does The Stock Market Overreact? Journal Of Finance, 40(3), 793-805. Https://Doi.Org/10.1111/J.1540-6261.1985.Tb05004.X

[1] 关于支持攀枝花高质量发展建设共同富裕试验区的意见［N］.攀枝花日报，2022 － 12 － 22
[2] 关于深入学习贯彻党的二十大精神扎实推进共同富裕奋力谱写现代化攀枝花新篇章的决定［N］.攀枝花日报，2023 － 01 － 11.Z
[3] 张克非. 攀枝花芒果产业现状[J]. 农村实用技术， 2023(6): 9-10.
[4] 李平平， 李治宇. 攀枝花市芒果产业电子商务发展研究[J]. 山西农经， 2023(2): 160-162.
[5] 李若雪， 谭化容， 高希， 等. 基于现代农业背景下“电商+智能物流”新模式探究——以攀枝花芒果发展为例[J]. 内江科技， 2019(9): 120.

[1]. Alonso-García, Jennifer, Oliver Wood, And Jonathan Ziveyi. “Pricing And Hedging Guaranteed Minimum Withdrawal Benefits Under A General Lévy Framework Using The COS Method.” Quantitative Finance, Vol. 17, No. 7, 2017, Pp. 1045-1068. DOI:10.1080/14697688.2017.1357832.
[2]. Bacinello, A. Rita, Pietro Millossovich, And Alvaro Montealegre. The Valuation Of GMWB Variable Annuities Under Alternative Fund Distributions And Policyholder Behaviours. Scandina-Vian Actuarial Journal, 2014, 2014:1-20.
[3]. Fontana, Claudio, And Francesco Rotondi. “Valuation Of General GMWB Annuities In A Low Interest Rate Environment.” [Journal Title], 2023.
[4]. Kirkby, J. L. “Equity-Linked Guaranteed Minimum Death Benefits With General Lévy Processes.” [Journal], Vol. *, 2021, Pp. *.
[5]. Mrad, F., Et Al. “The GMWB Guarantee Embedded In Life Insurance Contracts.” [Journal], 2023.