Zafar, M.; Qarni, M. O. 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. pijss 2024, 11, 01-019.