3Agostino, M. , Leonida L. and Trivieri F. Profits per- sistence and ownership: evidence from the Italian bank- ing sector [ J ]. Applied Economics, 2005, 37 ( 14 ) : 1615 - 1621.
4Athanasoglou P. P. , S. N. Brissimis & M. D. Delis. Bank - specific, industry - specific and C determinants of bank profitability [ J ]. Journal of Inter- national Financial Markets, Institutions and Money, 2008(18) : 121 - 136.
5Berger A. N. , Bonime S. D. , Covitz D.M. & D. Han- cock. Why are bank profits so persistent? the roles of product market competition, information opacity, and regional//macroeconomic shocks [ J ]. Journal of Banking and Finance, 2000 ( 24 ) : 1203 - 1235.
6Flamini, V. , McDonald, C. A. & Schumaeher, L. B. The Determinants of Commercial Bank Profitability in Sub- Saharan Africa. IMF Working Papers, No. 09/ 15, pp. 1 -30, 2009.
7Goddard J. , Molyneux P. & J. O. S. Wilson. The profit- ability of European banks : a cross - sectional and dynamic panel analysis. Manchester School, 2004(72) :363 - 381.
8Goddard J. , Hong L. , Molyneux P. & J. O. S. Wil-son. The persistence of bank profit [ J ]. Journal of Banking & Finance ,2001 (35) :2881 - 2890.
9Knapp, M. , Gart, A. & M. Chaudhry. The impact of mean reversion of bank profitability on post - merger performance in the banking industry [ J ]. Journal of Banking and Finance, 2006, (30) : 3503 -3517.
10Levonian, Mark E. , Competitive forces and profit per- sistence in banking. FRBSF Economic Letter, 1993,1 (29) :4 -93.
