Zafar, M. and Qarni, M.O. 2024. UNCOVERING DIVERSIFICATION BENEFITS: RETURN SPILLOVERS IN USA ESG AND NON-ESG ORIENTED BANKS: Received: 05th August, 2024 Revised: 29th August 2024, 10th September 2024, 29th September 2024 Accepted: 23rd August, 2024. PEOPLE: International Journal of Social Sciences. 11, 1 (Dec. 2024), 01–019. DOI:https://doi.org/10.20319/pijss.2024.111.0119.