id	sid	tid	token	lemma	pos
amfbr-133	1	1	american	american	PROPN
amfbr-133	1	2	finance	finance	PROPN
amfbr-133	1	3	&	&	CCONJ
amfbr-133	1	4	banking	banking	PROPN
amfbr-133	1	5	review	review	PROPN
amfbr-133	1	6	;	;	PUNCT
amfbr-133	1	7	vol	vol	NOUN
amfbr-133	1	8	.	.	NOUN
amfbr-133	2	1	2	2	NUM
amfbr-133	2	2	,	,	PUNCT
amfbr-133	2	3	no	no	INTJ
amfbr-133	2	4	.	.	NOUN
amfbr-133	2	5	2	2	NUM
amfbr-133	2	6	;	;	PUNCT
amfbr-133	2	7	2018	2018	NUM
amfbr-133	2	8	issn	issn	VERB
amfbr-133	2	9	2576	2576	NUM
amfbr-133	2	10	-	-	SYM
amfbr-133	2	11	1226	1226	NUM
amfbr-133	2	12	e	e	NOUN
amfbr-133	2	13	-	-	NOUN
amfbr-133	2	14	issn	issn	VERB
amfbr-133	2	15	2576	2576	NUM
amfbr-133	2	16	-	-	SYM
amfbr-133	2	17	1234	1234	NUM
amfbr-133	2	18	impact	impact	NOUN
amfbr-133	2	19	factor	factor	NOUN
amfbr-133	2	20	:	:	PUNCT
amfbr-133	2	21	4.1	4.1	NUM
amfbr-133	2	22	published	publish	VERB
amfbr-133	2	23	by	by	ADP
amfbr-133	2	24	centre	centre	NOUN
amfbr-133	2	25	for	for	ADP
amfbr-133	2	26	research	research	NOUN
amfbr-133	2	27	on	on	ADP
amfbr-133	2	28	islamic	islamic	ADJ
amfbr-133	2	29	banking	banking	PROPN
amfbr-133	2	30	&	&	CCONJ
amfbr-133	2	31	finance	finance	PROPN
amfbr-133	2	32	and	and	CCONJ
amfbr-133	2	33	business	business	NOUN
amfbr-133	2	34	,	,	PUNCT
amfbr-133	2	35	usa	usa	PROPN
amfbr-133	2	36	14	14	NUM
amfbr-133	2	37	non	non	ADJ
amfbr-133	2	38	performing	perform	VERB
amfbr-133	2	39	assets	asset	NOUN
amfbr-133	2	40	in	in	ADP
amfbr-133	2	41	public	public	ADJ
amfbr-133	2	42	sector	sector	NOUN
amfbr-133	2	43	banks	bank	NOUN
amfbr-133	2	44	:	:	PUNCT
amfbr-133	2	45	a	a	DET
amfbr-133	2	46	cause	cause	VERB
amfbr-133	2	47	analysis	analysis	NOUN
amfbr-133	2	48	r.v	r.v	PROPN
amfbr-133	2	49	.	.	PROPN
amfbr-133	2	50	naveenan	naveenan	PROPN
amfbr-133	2	51	1	1	NUM
amfbr-133	2	52	,	,	PUNCT
amfbr-133	2	53	b.	b.	PROPN
amfbr-133	2	54	ravi	ravi	PROPN
amfbr-133	2	55	kumar	kumar	PROPN
amfbr-133	2	56	2	2	PROPN
amfbr-133	2	57	&	&	CCONJ
amfbr-133	2	58	b.	b.	PROPN
amfbr-133	2	59	vijaya	vijaya	PROPN
amfbr-133	2	60	lakshmi	lakshmi	PROPN
amfbr-133	2	61	3	3	NUM
amfbr-133	2	62	1	1	NUM
amfbr-133	2	63	department	department	NOUN
amfbr-133	2	64	of	of	ADP
amfbr-133	2	65	management	management	NOUN
amfbr-133	2	66	studies	study	NOUN
amfbr-133	2	67	,	,	PUNCT
amfbr-133	2	68	vivekananda	vivekananda	PROPN
amfbr-133	2	69	institute	institute	PROPN
amfbr-133	2	70	of	of	ADP
amfbr-133	2	71	management	management	PROPN
amfbr-133	2	72	,	,	PUNCT
amfbr-133	2	73	india	india	PROPN
amfbr-133	2	74	2	2	NUM
amfbr-133	2	75	department	department	NOUN
amfbr-133	2	76	of	of	ADP
amfbr-133	2	77	mba	mba	PROPN
amfbr-133	2	78	-	-	PUNCT
amfbr-133	2	79	amrita	amrita	PROPN
amfbr-133	2	80	sai	sai	PROPN
amfbr-133	2	81	institute	institute	PROPN
amfbr-133	2	82	of	of	ADP
amfbr-133	2	83	science	science	NOUN
amfbr-133	2	84	and	and	CCONJ
amfbr-133	2	85	technology	technology	NOUN
amfbr-133	2	86	,	,	PUNCT
amfbr-133	2	87	india	india	PROPN
amfbr-133	2	88	3	3	NUM
amfbr-133	2	89	department	department	PROPN
amfbr-133	2	90	of	of	ADP
amfbr-133	2	91	business	business	NOUN
amfbr-133	2	92	management	management	NOUN
amfbr-133	2	93	,	,	PUNCT
amfbr-133	2	94	sri	sri	PROPN
amfbr-133	2	95	pamavati	pamavati	PROPN
amfbr-133	2	96	mahila	mahila	PROPN
amfbr-133	2	97	visvavidyalayam	visvavidyalayam	PROPN
amfbr-133	3	1	(	(	PUNCT
amfbr-133	3	2	women	woman	NOUN
amfbr-133	3	3	’s	’s	PART
amfbr-133	3	4	university)-tirupati	university)-tirupati	PROPN
amfbr-133	3	5	,	,	PUNCT
amfbr-133	3	6	india	india	PROPN
amfbr-133	3	7	correspondence	correspondence	NOUN
amfbr-133	3	8	:	:	PUNCT
amfbr-133	4	1	r.v	r.v	PROPN
amfbr-133	4	2	.	.	PROPN
amfbr-133	4	3	naveenan	naveenan	PROPN
amfbr-133	4	4	,	,	PUNCT
amfbr-133	4	5	department	department	NOUN
amfbr-133	4	6	of	of	ADP
amfbr-133	4	7	management	management	NOUN
amfbr-133	4	8	studies	study	NOUN
amfbr-133	4	9	,	,	PUNCT
amfbr-133	4	10	vivekananda	vivekananda	PROPN
amfbr-133	4	11	institute	institute	PROPN
amfbr-133	4	12	of	of	ADP
amfbr-133	4	13	management	management	PROPN
amfbr-133	4	14	,	,	PUNCT
amfbr-133	4	15	india	india	PROPN
amfbr-133	4	16	.	.	PUNCT
amfbr-133	4	17	email	email	NOUN
amfbr-133	4	18	:	:	PUNCT
amfbr-133	4	19	naveenan.08mba@gmail.com	naveenan.08mba@gmail.com	PROPN
amfbr-133	4	20	received	receive	VERB
amfbr-133	4	21	:	:	PUNCT
amfbr-133	4	22	july	july	PROPN
amfbr-133	4	23	19	19	NUM
amfbr-133	4	24	,	,	PUNCT
amfbr-133	4	25	2018	2018	NUM
amfbr-133	4	26	accepted	accept	VERB
amfbr-133	4	27	:	:	PUNCT
amfbr-133	4	28	august	august	PROPN
amfbr-133	4	29	25	25	NUM
amfbr-133	4	30	,	,	PUNCT
amfbr-133	4	31	2018	2018	NUM
amfbr-133	4	32	online	online	ADV
amfbr-133	4	33	published	publish	VERB
amfbr-133	4	34	:	:	PUNCT
amfbr-133	4	35	september	september	PROPN
amfbr-133	4	36	1	1	NUM
amfbr-133	4	37	,	,	PUNCT
amfbr-133	4	38	2018	2018	NUM
amfbr-133	4	39	abstract	abstract	ADJ
amfbr-133	4	40	lending	lending	NOUN
amfbr-133	4	41	funds	fund	NOUN
amfbr-133	4	42	is	be	AUX
amfbr-133	4	43	considered	consider	VERB
amfbr-133	4	44	as	as	ADP
amfbr-133	4	45	the	the	DET
amfbr-133	4	46	primary	primary	ADJ
amfbr-133	4	47	function	function	NOUN
amfbr-133	4	48	of	of	ADP
amfbr-133	4	49	primary	primary	ADJ
amfbr-133	4	50	function	function	NOUN
amfbr-133	4	51	which	which	PRON
amfbr-133	4	52	provides	provide	VERB
amfbr-133	4	53	financial	financial	ADJ
amfbr-133	4	54	support	support	NOUN
amfbr-133	4	55	to	to	ADP
amfbr-133	4	56	various	various	ADJ
amfbr-133	4	57	sectors	sector	NOUN
amfbr-133	4	58	such	such	ADJ
amfbr-133	4	59	as	as	ADP
amfbr-133	4	60	agriculture	agriculture	NOUN
amfbr-133	4	61	,	,	PUNCT
amfbr-133	4	62	industry	industry	NOUN
amfbr-133	4	63	,	,	PUNCT
amfbr-133	4	64	personal	personal	ADJ
amfbr-133	4	65	loans	loan	NOUN
amfbr-133	4	66	etc	etc	X
amfbr-133	4	67	.	.	X
amfbr-133	4	68	,	,	PUNCT
amfbr-133	4	69	but	but	CCONJ
amfbr-133	4	70	in	in	ADP
amfbr-133	4	71	recent	recent	ADJ
amfbr-133	4	72	times	time	NOUN
amfbr-133	4	73	the	the	DET
amfbr-133	4	74	banks	bank	NOUN
amfbr-133	4	75	as	as	ADP
amfbr-133	4	76	taken	take	VERB
amfbr-133	4	77	a	a	DET
amfbr-133	4	78	cautious	cautious	ADJ
amfbr-133	4	79	stand	stand	NOUN
amfbr-133	4	80	in	in	ADP
amfbr-133	4	81	lending	lending	NOUN
amfbr-133	4	82	.	.	PUNCT
amfbr-133	5	1	the	the	DET
amfbr-133	5	2	main	main	ADJ
amfbr-133	5	3	reason	reason	NOUN
amfbr-133	5	4	for	for	ADP
amfbr-133	5	5	such	such	DET
amfbr-133	5	6	an	an	DET
amfbr-133	5	7	initiative	initiative	NOUN
amfbr-133	5	8	is	be	AUX
amfbr-133	5	9	the	the	DET
amfbr-133	5	10	mounting	mount	VERB
amfbr-133	5	11	issues	issue	NOUN
amfbr-133	5	12	of	of	ADP
amfbr-133	5	13	non	non	ADJ
amfbr-133	5	14	-	-	ADJ
amfbr-133	5	15	performing	perform	VERB
amfbr-133	5	16	assets	asset	NOUN
amfbr-133	5	17	(	(	PUNCT
amfbr-133	5	18	npas).a	npas).a	X
amfbr-133	5	19	loan	loan	NOUN
amfbr-133	5	20	asset	asset	NOUN
amfbr-133	5	21	is	be	AUX
amfbr-133	5	22	considered	consider	VERB
amfbr-133	5	23	as	as	ADP
amfbr-133	5	24	non	non	ADJ
amfbr-133	5	25	-	-	ADJ
amfbr-133	5	26	performing	perform	VERB
amfbr-133	5	27	asset	asset	NOUN
amfbr-133	5	28	when	when	SCONJ
amfbr-133	5	29	it	it	PRON
amfbr-133	5	30	ceases	cease	VERB
amfbr-133	5	31	to	to	PART
amfbr-133	5	32	generate	generate	VERB
amfbr-133	5	33	income	income	NOUN
amfbr-133	5	34	for	for	ADP
amfbr-133	5	35	the	the	DET
amfbr-133	5	36	bank	bank	NOUN
amfbr-133	5	37	.	.	PUNCT
amfbr-133	6	1	from	from	ADP
amfbr-133	6	2	31st	31st	ADJ
amfbr-133	6	3	march	march	NOUN
amfbr-133	6	4	,	,	PUNCT
amfbr-133	6	5	2004	2004	NUM
amfbr-133	6	6	npa	npa	NOUN
amfbr-133	6	7	was	be	AUX
amfbr-133	6	8	defined	define	VERB
amfbr-133	6	9	as	as	ADP
amfbr-133	6	10	a	a	DET
amfbr-133	6	11	credit	credit	NOUN
amfbr-133	6	12	facility	facility	NOUN
amfbr-133	6	13	in	in	ADP
amfbr-133	6	14	respect	respect	NOUN
amfbr-133	6	15	of	of	ADP
amfbr-133	6	16	which	which	PRON
amfbr-133	6	17	the	the	DET
amfbr-133	6	18	interest	interest	NOUN
amfbr-133	6	19	or	or	CCONJ
amfbr-133	6	20	installation	installation	NOUN
amfbr-133	6	21	of	of	ADP
amfbr-133	6	22	principal	principal	NOUN
amfbr-133	6	23	has	have	AUX
amfbr-133	6	24	remained	remain	VERB
amfbr-133	6	25	past	past	ADJ
amfbr-133	6	26	due	due	ADJ
amfbr-133	6	27	for	for	ADP
amfbr-133	6	28	a	a	DET
amfbr-133	6	29	specified	specified	ADJ
amfbr-133	6	30	period	period	NOUN
amfbr-133	6	31	of	of	ADP
amfbr-133	6	32	time	time	NOUN
amfbr-133	6	33	which	which	PRON
amfbr-133	6	34	was	be	AUX
amfbr-133	6	35	four	four	NUM
amfbr-133	6	36	quarters	quarter	NOUN
amfbr-133	6	37	.	.	PUNCT
amfbr-133	7	1	npa	npa	NOUN
amfbr-133	7	2	in	in	ADP
amfbr-133	7	3	public	public	ADJ
amfbr-133	7	4	sector	sector	NOUN
amfbr-133	7	5	banks	bank	NOUN
amfbr-133	7	6	is	be	AUX
amfbr-133	7	7	increasing	increase	VERB
amfbr-133	7	8	year	year	NOUN
amfbr-133	7	9	after	after	ADP
amfbr-133	7	10	year	year	NOUN
amfbr-133	7	11	and	and	CCONJ
amfbr-133	7	12	thus	thus	ADV
amfbr-133	7	13	this	this	PRON
amfbr-133	7	14	is	be	AUX
amfbr-133	7	15	becoming	become	VERB
amfbr-133	7	16	a	a	DET
amfbr-133	7	17	debatable	debatable	ADJ
amfbr-133	7	18	topic	topic	NOUN
amfbr-133	7	19	.	.	PUNCT
amfbr-133	8	1	so	so	ADV
amfbr-133	8	2	considering	consider	VERB
amfbr-133	8	3	this	this	DET
amfbr-133	8	4	anglete	anglete	ADJ
amfbr-133	8	5	paper	paper	NOUN
amfbr-133	8	6	is	be	AUX
amfbr-133	8	7	undertaken	undertake	VERB
amfbr-133	8	8	to	to	PART
amfbr-133	8	9	analyze	analyze	VERB
amfbr-133	8	10	the	the	DET
amfbr-133	8	11	reasons	reason	NOUN
amfbr-133	8	12	for	for	ADP
amfbr-133	8	13	advances	advance	NOUN
amfbr-133	8	14	becoming	become	VERB
amfbr-133	8	15	npa	npa	NOUN
amfbr-133	8	16	in	in	ADP
amfbr-133	8	17	public	public	ADJ
amfbr-133	8	18	sector	sector	NOUN
amfbr-133	8	19	banks	bank	NOUN
amfbr-133	8	20	and	and	CCONJ
amfbr-133	8	21	intends	intend	VERB
amfbr-133	8	22	to	to	PART
amfbr-133	8	23	give	give	VERB
amfbr-133	8	24	suitable	suitable	ADJ
amfbr-133	8	25	suggestions	suggestion	NOUN
amfbr-133	8	26	to	to	PART
amfbr-133	8	27	overcome	overcome	VERB
amfbr-133	8	28	npa	npa	PROPN
amfbr-133	8	29	.	.	PUNCT
amfbr-133	9	1	keywords	keyword	NOUN
amfbr-133	9	2	:	:	PUNCT
amfbr-133	9	3	npas	npas	NOUN
amfbr-133	9	4	,	,	PUNCT
amfbr-133	9	5	npa	npa	NOUN
amfbr-133	9	6	classification	classification	NOUN
amfbr-133	9	7	,	,	PUNCT
amfbr-133	9	8	types	type	NOUN
amfbr-133	9	9	of	of	ADP
amfbr-133	9	10	npa	npa	PROPN
amfbr-133	9	11	,	,	PUNCT
amfbr-133	9	12	causes	cause	NOUN
amfbr-133	9	13	of	of	ADP
amfbr-133	9	14	npa	npa	PROPN
amfbr-133	9	15	.	.	PROPN
amfbr-133	10	1	1	1	X
amfbr-133	10	2	.	.	X
amfbr-133	11	1	introduction	introduction	NOUN
amfbr-133	11	2	npa	npa	PROPN
amfbr-133	11	3	is	be	AUX
amfbr-133	11	4	defined	define	VERB
amfbr-133	11	5	as	as	ADP
amfbr-133	11	6	an	an	DET
amfbr-133	11	7	advance	advance	NOUN
amfbr-133	11	8	where	where	SCONJ
amfbr-133	11	9	payment	payment	NOUN
amfbr-133	11	10	of	of	ADP
amfbr-133	11	11	interest	interest	NOUN
amfbr-133	11	12	or	or	CCONJ
amfbr-133	11	13	repayment	repayment	NOUN
amfbr-133	11	14	of	of	ADP
amfbr-133	11	15	instalment	instalment	NOUN
amfbr-133	11	16	of	of	ADP
amfbr-133	11	17	principal	principal	NOUN
amfbr-133	11	18	(	(	PUNCT
amfbr-133	11	19	in	in	ADP
amfbr-133	11	20	case	case	NOUN
amfbr-133	11	21	of	of	ADP
amfbr-133	11	22	term	term	NOUN
amfbr-133	11	23	loans	loan	NOUN
amfbr-133	11	24	)	)	PUNCT
amfbr-133	11	25	or	or	CCONJ
amfbr-133	11	26	both	both	PRON
amfbr-133	11	27	remains	remain	VERB
amfbr-133	11	28	unpaid	unpaid	ADJ
amfbr-133	11	29	for	for	ADP
amfbr-133	11	30	a	a	DET
amfbr-133	11	31	certain	certain	ADJ
amfbr-133	11	32	period	period	NOUN
amfbr-133	11	33	.	.	PUNCT
amfbr-133	12	1	in	in	ADP
amfbr-133	12	2	india	india	PROPN
amfbr-133	12	3	,	,	PUNCT
amfbr-133	12	4	the	the	DET
amfbr-133	12	5	definition	definition	NOUN
amfbr-133	12	6	of	of	ADP
amfbr-133	12	7	npas	npas	PROPN
amfbr-133	12	8	has	have	AUX
amfbr-133	12	9	changed	change	VERB
amfbr-133	12	10	over	over	ADP
amfbr-133	12	11	time	time	NOUN
amfbr-133	12	12	.	.	PUNCT
amfbr-133	13	1	according	accord	VERB
amfbr-133	13	2	to	to	ADP
amfbr-133	13	3	the	the	DET
amfbr-133	13	4	narasimham	narasimham	PROPN
amfbr-133	13	5	committee	committee	PROPN
amfbr-133	13	6	report	report	NOUN
amfbr-133	13	7	(	(	PUNCT
amfbr-133	13	8	1991	1991	NUM
amfbr-133	13	9	)	)	PUNCT
amfbr-133	13	10	,	,	PUNCT
amfbr-133	13	11	those	those	DET
amfbr-133	13	12	assets	asset	NOUN
amfbr-133	13	13	(	(	PUNCT
amfbr-133	13	14	advances	advance	NOUN
amfbr-133	13	15	,	,	PUNCT
amfbr-133	13	16	bills	bill	NOUN
amfbr-133	13	17	discounted	discount	VERB
amfbr-133	13	18	,	,	PUNCT
amfbr-133	13	19	overdrafts	overdraft	NOUN
amfbr-133	13	20	,	,	PUNCT
amfbr-133	13	21	cash	cash	NOUN
amfbr-133	13	22	credit	credit	NOUN
amfbr-133	13	23	etc	etc	X
amfbr-133	13	24	.	.	PUNCT
amfbr-133	13	25	)	)	PUNCT
amfbr-133	13	26	for	for	ADP
amfbr-133	13	27	which	which	PRON
amfbr-133	13	28	the	the	DET
amfbr-133	13	29	interest	interest	NOUN
amfbr-133	13	30	remains	remain	VERB
amfbr-133	13	31	due	due	ADJ
amfbr-133	13	32	for	for	ADP
amfbr-133	13	33	a	a	DET
amfbr-133	13	34	period	period	NOUN
amfbr-133	13	35	of	of	ADP
amfbr-133	13	36	four	four	NUM
amfbr-133	13	37	quarters	quarter	NOUN
amfbr-133	13	38	(	(	PUNCT
amfbr-133	13	39	180	180	NUM
amfbr-133	13	40	days	day	NOUN
amfbr-133	13	41	)	)	PUNCT
amfbr-133	13	42	should	should	AUX
amfbr-133	13	43	be	be	AUX
amfbr-133	13	44	considered	consider	VERB
amfbr-133	13	45	as	as	ADP
amfbr-133	13	46	npas	npas	NUM
amfbr-133	13	47	.	.	PUNCT
amfbr-133	14	1	subsequently	subsequently	ADV
amfbr-133	14	2	,	,	PUNCT
amfbr-133	14	3	this	this	DET
amfbr-133	14	4	period	period	NOUN
amfbr-133	14	5	was	be	AUX
amfbr-133	14	6	reduced	reduce	VERB
amfbr-133	14	7	,	,	PUNCT
amfbr-133	14	8	and	and	CCONJ
amfbr-133	14	9	from	from	ADP
amfbr-133	14	10	march	march	PROPN
amfbr-133	14	11	1995	1995	NUM
amfbr-133	14	12	onwards	onwards	ADP
amfbr-133	14	13	the	the	DET
amfbr-133	14	14	assets	asset	NOUN
amfbr-133	14	15	for	for	ADP
amfbr-133	14	16	which	which	PRON
amfbr-133	14	17	the	the	DET
amfbr-133	14	18	interest	interest	NOUN
amfbr-133	14	19	has	have	AUX
amfbr-133	14	20	remained	remain	VERB
amfbr-133	14	21	unpaid	unpaid	ADJ
amfbr-133	14	22	for	for	ADP
amfbr-133	14	23	90	90	NUM
amfbr-133	14	24	days	day	NOUN
amfbr-133	14	25	were	be	AUX
amfbr-133	14	26	considered	consider	VERB
amfbr-133	14	27	as	as	ADP
amfbr-133	14	28	npas	npas	NUM
amfbr-133	14	29	.	.	PUNCT
amfbr-133	15	1	an	an	DET
amfbr-133	15	2	npa	npa	NOUN
amfbr-133	15	3	is	be	AUX
amfbr-133	15	4	defined	define	VERB
amfbr-133	15	5	as	as	ADP
amfbr-133	15	6	a	a	DET
amfbr-133	15	7	loan	loan	NOUN
amfbr-133	15	8	asset	asset	NOUN
amfbr-133	15	9	,	,	PUNCT
amfbr-133	15	10	which	which	PRON
amfbr-133	15	11	has	have	AUX
amfbr-133	15	12	ceased	cease	VERB
amfbr-133	15	13	to	to	PART
amfbr-133	15	14	generate	generate	VERB
amfbr-133	15	15	any	any	DET
amfbr-133	15	16	income	income	NOUN
amfbr-133	15	17	for	for	ADP
amfbr-133	15	18	a	a	DET
amfbr-133	15	19	bank	bank	NOUN
amfbr-133	15	20	whether	whether	SCONJ
amfbr-133	15	21	in	in	ADP
amfbr-133	15	22	the	the	DET
amfbr-133	15	23	form	form	NOUN
amfbr-133	15	24	of	of	ADP
amfbr-133	15	25	interest	interest	NOUN
amfbr-133	15	26	or	or	CCONJ
amfbr-133	15	27	principal	principal	ADJ
amfbr-133	15	28	repayment	repayment	NOUN
amfbr-133	15	29	classification	classification	NOUN
amfbr-133	15	30	of	of	ADP
amfbr-133	15	31	npa	npa	PROPN
amfbr-133	15	32	npa	npa	PROPN
amfbr-133	15	33	have	have	AUX
amfbr-133	15	34	been	be	AUX
amfbr-133	15	35	classified	classify	VERB
amfbr-133	15	36	into	into	ADP
amfbr-133	15	37	following	follow	VERB
amfbr-133	15	38	four	four	NUM
amfbr-133	15	39	types	type	NOUN
amfbr-133	15	40	:	:	PUNCT
amfbr-133	15	41	standard	standard	ADJ
amfbr-133	15	42	assets	asset	NOUN
amfbr-133	15	43	:	:	PUNCT
amfbr-133	15	44	a	a	DET
amfbr-133	15	45	standard	standard	ADJ
amfbr-133	15	46	asset	asset	NOUN
amfbr-133	15	47	is	be	AUX
amfbr-133	15	48	a	a	DET
amfbr-133	15	49	performing	perform	VERB
amfbr-133	15	50	asset	asset	NOUN
amfbr-133	15	51	.	.	PUNCT
amfbr-133	16	1	standard	standard	ADJ
amfbr-133	16	2	assets	asset	NOUN
amfbr-133	16	3	generate	generate	VERB
amfbr-133	16	4	continuous	continuous	ADJ
amfbr-133	16	5	income	income	NOUN
amfbr-133	16	6	and	and	CCONJ
amfbr-133	16	7	repayments	repayment	NOUN
amfbr-133	16	8	as	as	ADP
amfbr-133	16	9	and	and	CCONJ
amfbr-133	16	10	when	when	SCONJ
amfbr-133	16	11	they	they	PRON
amfbr-133	16	12	fall	fall	VERB
amfbr-133	16	13	due	due	ADJ
amfbr-133	16	14	.	.	PUNCT
amfbr-133	17	1	sub	sub	ADJ
amfbr-133	17	2	-	-	ADJ
amfbr-133	17	3	standard	standard	ADJ
amfbr-133	17	4	assets	asset	NOUN
amfbr-133	17	5	:	:	PUNCT
amfbr-133	17	6	all	all	DET
amfbr-133	17	7	those	those	DET
amfbr-133	17	8	assets	asset	NOUN
amfbr-133	17	9	(	(	PUNCT
amfbr-133	17	10	loans	loan	NOUN
amfbr-133	17	11	and	and	CCONJ
amfbr-133	17	12	advances	advance	NOUN
amfbr-133	17	13	)	)	PUNCT
amfbr-133	17	14	which	which	PRON
amfbr-133	17	15	are	be	AUX
amfbr-133	17	16	considered	consider	VERB
amfbr-133	17	17	as	as	ADP
amfbr-133	17	18	non	non	ADJ
amfbr-133	17	19	-	-	ADJ
amfbr-133	17	20	performing	perform	VERB
amfbr-133	17	21	for	for	ADP
amfbr-133	17	22	a	a	DET
amfbr-133	17	23	period	period	NOUN
amfbr-133	17	24	of	of	ADP
amfbr-133	17	25	12	12	NUM
amfbr-133	17	26	months	month	NOUN
amfbr-133	17	27	.	.	PUNCT
amfbr-133	18	1	doubtful	doubtful	ADJ
amfbr-133	18	2	assets	asset	NOUN
amfbr-133	18	3	:	:	PUNCT
amfbr-133	18	4	all	all	DET
amfbr-133	18	5	those	those	DET
amfbr-133	18	6	assets	asset	NOUN
amfbr-133	18	7	which	which	PRON
amfbr-133	18	8	are	be	AUX
amfbr-133	18	9	considered	consider	VERB
amfbr-133	18	10	as	as	ADP
amfbr-133	18	11	non	non	ADJ
amfbr-133	18	12	-	-	ADJ
amfbr-133	18	13	performing	perform	VERB
amfbr-133	18	14	for	for	ADP
amfbr-133	18	15	period	period	NOUN
amfbr-133	18	16	of	of	ADP
amfbr-133	18	17	more	more	ADJ
amfbr-133	18	18	as	as	ADP
amfbr-133	18	19	12	12	NUM
amfbr-133	18	20	months	month	NOUN
amfbr-133	18	21	.	.	PUNCT
amfbr-133	19	1	loss	loss	NOUN
amfbr-133	19	2	assets	asset	NOUN
amfbr-133	19	3	:	:	PUNCT
amfbr-133	19	4	all	all	DET
amfbr-133	19	5	those	those	DET
amfbr-133	19	6	assets	asset	NOUN
amfbr-133	19	7	which	which	PRON
amfbr-133	19	8	can	can	AUX
amfbr-133	19	9	not	not	PART
amfbr-133	19	10	be	be	AUX
amfbr-133	19	11	recovered	recover	VERB
amfbr-133	19	12	.	.	PUNCT
amfbr-133	20	1	causes	cause	NOUN
amfbr-133	20	2	for	for	ADP
amfbr-133	20	3	non	non	ADJ
amfbr-133	20	4	-	-	ADJ
amfbr-133	20	5	performing	perform	VERB
amfbr-133	20	6	assets	asset	NOUN
amfbr-133	20	7	external	external	ADJ
amfbr-133	20	8	causes	cause	NOUN
amfbr-133	20	9	:	:	PUNCT
amfbr-133	20	10	natural	natural	ADJ
amfbr-133	20	11	calamities	calamity	NOUN
amfbr-133	20	12	and	and	CCONJ
amfbr-133	20	13	climatic	climatic	ADJ
amfbr-133	20	14	conditions	condition	NOUN
amfbr-133	20	15	,	,	PUNCT
amfbr-133	20	16	recession	recession	NOUN
amfbr-133	20	17	,	,	PUNCT
amfbr-133	20	18	changes	change	NOUN
amfbr-133	20	19	in	in	ADP
amfbr-133	20	20	government	government	NOUN
amfbr-133	20	21	policies	policy	NOUN
amfbr-133	20	22	changes	change	NOUN
amfbr-133	20	23	in	in	ADP
amfbr-133	20	24	economic	economic	ADJ
amfbr-133	20	25	conditions	condition	NOUN
amfbr-133	20	26	,	,	PUNCT
amfbr-133	20	27	industry	industry	NOUN
amfbr-133	20	28	related	relate	VERB
amfbr-133	20	29	problems	problem	NOUN
amfbr-133	20	30	,	,	PUNCT
amfbr-133	20	31	impact	impact	NOUN
amfbr-133	20	32	of	of	ADP
amfbr-133	20	33	liberalization	liberalization	NOUN
amfbr-133	20	34	on	on	ADP
amfbr-133	20	35	industries	industry	NOUN
amfbr-133	20	36	,	,	PUNCT
amfbr-133	20	37	technical	technical	ADJ
amfbr-133	20	38	problems	problem	NOUN
amfbr-133	20	39	.	.	PUNCT
amfbr-133	21	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-133	21	2	american	american	PROPN
amfbr-133	21	3	finance	finance	PROPN
amfbr-133	21	4	&	&	CCONJ
amfbr-133	21	5	banking	banking	PROPN
amfbr-133	21	6	review	review	PROPN
amfbr-133	21	7	vol	vol	NOUN
amfbr-133	21	8	.	.	PROPN
amfbr-133	22	1	2	2	NUM
amfbr-133	22	2	,	,	PUNCT
amfbr-133	22	3	no	no	INTJ
amfbr-133	22	4	.	.	NOUN
amfbr-133	22	5	2	2	NUM
amfbr-133	22	6	;	;	PUNCT
amfbr-133	22	7	2018	2018	NUM
amfbr-133	22	8	15	15	NUM
amfbr-133	22	9	internal	internal	ADJ
amfbr-133	22	10	causes	cause	NOUN
amfbr-133	22	11	:	:	PUNCT
amfbr-133	22	12	internal	internal	ADJ
amfbr-133	22	13	defaulters	defaulter	NOUN
amfbr-133	22	14	,	,	PUNCT
amfbr-133	22	15	faculty	faculty	NOUN
amfbr-133	22	16	projects	project	NOUN
amfbr-133	22	17	,	,	PUNCT
amfbr-133	22	18	most	most	ADJ
amfbr-133	22	19	of	of	ADP
amfbr-133	22	20	the	the	DET
amfbr-133	22	21	project	project	NOUN
amfbr-133	22	22	reports	report	NOUN
amfbr-133	22	23	are	be	AUX
amfbr-133	22	24	ground	ground	NOUN
amfbr-133	22	25	realities	reality	NOUN
amfbr-133	22	26	,	,	PUNCT
amfbr-133	22	27	proper	proper	ADJ
amfbr-133	22	28	linkages	linkage	NOUN
amfbr-133	22	29	,	,	PUNCT
amfbr-133	22	30	product	product	NOUN
amfbr-133	22	31	pricing	pricing	NOUN
amfbr-133	22	32	etc	etc	X
amfbr-133	22	33	.	.	PUNCT
amfbr-133	23	1	some	some	DET
amfbr-133	23	2	approach	approach	NOUN
amfbr-133	23	3	for	for	ADP
amfbr-133	23	4	the	the	DET
amfbr-133	23	5	“	"	PUNCT
amfbr-133	23	6	heck	heck	NOUN
amfbr-133	23	7	”	"	PUNCT
amfbr-133	23	8	of	of	ADP
amfbr-133	23	9	starting	start	VERB
amfbr-133	23	10	adventure	adventure	NOUN
amfbr-133	23	11	,	,	PUNCT
amfbr-133	23	12	with	with	ADP
amfbr-133	23	13	poor	poor	ADJ
amfbr-133	23	14	knowledge	knowledge	NOUN
amfbr-133	23	15	of	of	ADP
amfbr-133	23	16	product	product	NOUN
amfbr-133	23	17	risks	risk	NOUN
amfbr-133	23	18	,	,	PUNCT
amfbr-133	23	19	over	over	ADP
amfbr-133	23	20	depended	depend	VERB
amfbr-133	23	21	on	on	ADP
amfbr-133	23	22	poorly	poorly	ADV
amfbr-133	23	23	paid	pay	VERB
amfbr-133	23	24	killed	kill	VERB
amfbr-133	23	25	workers	worker	NOUN
amfbr-133	23	26	and	and	CCONJ
amfbr-133	23	27	technicians	technician	NOUN
amfbr-133	23	28	,	,	PUNCT
amfbr-133	23	29	building	build	VERB
amfbr-133	23	30	up	up	ADP
amfbr-133	23	31	pressure	pressure	NOUN
amfbr-133	23	32	for	for	ADP
amfbr-133	23	33	sanctions	sanction	NOUN
amfbr-133	23	34	,	,	PUNCT
amfbr-133	23	35	inept	inept	ADJ
amfbr-133	23	36	handling	handling	NOUN
amfbr-133	23	37	by	by	ADP
amfbr-133	23	38	banker	banker	NOUN
amfbr-133	23	39	’s	’s	PART
amfbr-133	23	40	lack	lack	NOUN
amfbr-133	23	41	of	of	ADP
amfbr-133	23	42	professionalism	professionalism	NOUN
amfbr-133	23	43	and	and	CCONJ
amfbr-133	23	44	appraisal	appraisal	NOUN
amfbr-133	23	45	standards	standard	NOUN
amfbr-133	23	46	,	,	PUNCT
amfbr-133	23	47	non	non	ADJ
amfbr-133	23	48	-	-	NOUN
amfbr-133	23	49	observance	observance	NOUN
amfbr-133	23	50	of	of	ADP
amfbr-133	23	51	system	system	NOUN
amfbr-133	23	52	,	,	PUNCT
amfbr-133	23	53	procedures	procedure	NOUN
amfbr-133	23	54	and	and	CCONJ
amfbr-133	23	55	non	non	NOUN
amfbr-133	23	56	-	-	NOUN
amfbr-133	23	57	insistence	insistence	NOUN
amfbr-133	23	58	of	of	ADP
amfbr-133	23	59	collaterals	collateral	NOUN
amfbr-133	23	60	etc	etc	X
amfbr-133	23	61	,	,	PUNCT
amfbr-133	23	62	lack	lack	NOUN
amfbr-133	23	63	of	of	ADP
amfbr-133	23	64	post	post	NOUN
amfbr-133	23	65	sanction	sanction	NOUN
amfbr-133	23	66	monitoring	monitoring	NOUN
amfbr-133	23	67	,	,	PUNCT
amfbr-133	23	68	unchecked	unchecked	ADJ
amfbr-133	23	69	diversions	diversion	NOUN
amfbr-133	23	70	.	.	PUNCT
amfbr-133	24	1	2	2	X
amfbr-133	24	2	.	.	X
amfbr-133	24	3	review	review	NOUN
amfbr-133	24	4	of	of	ADP
amfbr-133	24	5	literature	literature	NOUN
amfbr-133	24	6	this	this	DET
amfbr-133	24	7	section	section	NOUN
amfbr-133	24	8	provides	provide	VERB
amfbr-133	24	9	an	an	DET
amfbr-133	24	10	overview	overview	NOUN
amfbr-133	24	11	of	of	ADP
amfbr-133	24	12	some	some	PRON
amfbr-133	24	13	of	of	ADP
amfbr-133	24	14	the	the	DET
amfbr-133	24	15	existing	exist	VERB
amfbr-133	24	16	literature	literature	NOUN
amfbr-133	24	17	with	with	ADP
amfbr-133	24	18	regard	regard	NOUN
amfbr-133	24	19	to	to	ADP
amfbr-133	24	20	the	the	DET
amfbr-133	24	21	npa	npa	NOUN
amfbr-133	24	22	.	.	PUNCT
amfbr-133	25	1	this	this	DET
amfbr-133	25	2	literature	literature	NOUN
amfbr-133	25	3	review	review	NOUN
amfbr-133	25	4	helps	help	VERB
amfbr-133	25	5	me	i	PRON
amfbr-133	25	6	to	to	ADP
amfbr-133	25	7	better	well	ADJ
amfbr-133	25	8	understanding	understanding	NOUN
amfbr-133	25	9	of	of	ADP
amfbr-133	25	10	both	both	DET
amfbr-133	25	11	research	research	NOUN
amfbr-133	25	12	topics	topic	NOUN
amfbr-133	25	13	and	and	CCONJ
amfbr-133	25	14	of	of	ADP
amfbr-133	25	15	the	the	DET
amfbr-133	25	16	existing	exist	VERB
amfbr-133	25	17	gap	gap	NOUN
amfbr-133	25	18	:	:	PUNCT
amfbr-133	25	19	meeker	meeker	NOUN
amfbr-133	25	20	larry	larry	PROPN
amfbr-133	25	21	g.	g.	PROPN
amfbr-133	25	22	and	and	CCONJ
amfbr-133	25	23	gray	gray	ADJ
amfbr-133	25	24	laura	laura	NOUN
amfbr-133	25	25	(	(	PUNCT
amfbr-133	25	26	1987	1987	NUM
amfbr-133	25	27	)	)	PUNCT
amfbr-133	25	28	evaluate	evaluate	VERB
amfbr-133	25	29	that	that	DET
amfbr-133	25	30	information	information	NOUN
amfbr-133	25	31	.	.	PUNCT
amfbr-133	26	1	a	a	DET
amfbr-133	26	2	regression	regression	NOUN
amfbr-133	26	3	analysis	analysis	NOUN
amfbr-133	26	4	comparing	compare	VERB
amfbr-133	26	5	the	the	DET
amfbr-133	26	6	nonperforming	nonperforme	VERB
amfbr-133	26	7	asset	asset	NOUN
amfbr-133	26	8	statistics	statistic	NOUN
amfbr-133	26	9	with	with	ADP
amfbr-133	26	10	examiner	examiner	NOUN
amfbr-133	26	11	classifications	classification	NOUN
amfbr-133	26	12	of	of	ADP
amfbr-133	26	13	assets	asset	NOUN
amfbr-133	26	14	suggests	suggest	VERB
amfbr-133	26	15	that	that	SCONJ
amfbr-133	26	16	the	the	DET
amfbr-133	26	17	non	non	ADJ
amfbr-133	26	18	-	-	ADJ
amfbr-133	26	19	performing	perform	VERB
amfbr-133	26	20	asset	asset	NOUN
amfbr-133	26	21	information	information	NOUN
amfbr-133	26	22	can	can	AUX
amfbr-133	26	23	be	be	AUX
amfbr-133	26	24	a	a	DET
amfbr-133	26	25	useful	useful	ADJ
amfbr-133	26	26	aid	aid	NOUN
amfbr-133	26	27	in	in	ADP
amfbr-133	26	28	analyzing	analyze	VERB
amfbr-133	26	29	the	the	DET
amfbr-133	26	30	asset	asset	NOUN
amfbr-133	26	31	quality	quality	NOUN
amfbr-133	26	32	of	of	ADP
amfbr-133	26	33	banks	bank	NOUN
amfbr-133	26	34	,	,	PUNCT
amfbr-133	26	35	particularly	particularly	ADV
amfbr-133	26	36	when	when	SCONJ
amfbr-133	26	37	the	the	DET
amfbr-133	26	38	information	information	NOUN
amfbr-133	26	39	is	be	AUX
amfbr-133	26	40	timely	timely	ADJ
amfbr-133	26	41	.	.	PUNCT
amfbr-133	27	1	toor	toor	PROPN
amfbr-133	27	2	n.s	n.s	PROPN
amfbr-133	27	3	.	.	PROPN
amfbr-133	27	4	(	(	PUNCT
amfbr-133	27	5	1994	1994	NUM
amfbr-133	27	6	)	)	PUNCT
amfbr-133	27	7	stated	state	VERB
amfbr-133	27	8	that	that	SCONJ
amfbr-133	27	9	recovery	recovery	NOUN
amfbr-133	27	10	of	of	ADP
amfbr-133	27	11	non	non	ADJ
amfbr-133	27	12	-	-	ADJ
amfbr-133	27	13	performing	perform	VERB
amfbr-133	27	14	as	as	ADP
amfbr-133	27	15	-	-	PUNCT
amfbr-133	27	16	sets	set	NOUN
amfbr-133	27	17	through	through	ADP
amfbr-133	27	18	the	the	DET
amfbr-133	27	19	process	process	NOUN
amfbr-133	27	20	of	of	ADP
amfbr-133	27	21	compromise	compromise	NOUN
amfbr-133	27	22	by	by	ADP
amfbr-133	27	23	direct	direct	ADJ
amfbr-133	27	24	talks	talk	NOUN
amfbr-133	27	25	rather	rather	ADV
amfbr-133	27	26	than	than	ADP
amfbr-133	27	27	by	by	ADP
amfbr-133	27	28	the	the	DET
amfbr-133	27	29	lengthy	lengthy	ADJ
amfbr-133	27	30	and	and	CCONJ
amfbr-133	27	31	costly	costly	ADJ
amfbr-133	27	32	procedure	procedure	NOUN
amfbr-133	27	33	of	of	ADP
amfbr-133	27	34	litigation	litigation	NOUN
amfbr-133	27	35	.	.	PUNCT
amfbr-133	28	1	he	he	PRON
amfbr-133	28	2	suggested	suggest	VERB
amfbr-133	28	3	that	that	SCONJ
amfbr-133	28	4	by	by	ADP
amfbr-133	28	5	constant	constant	ADJ
amfbr-133	28	6	monitoring	monitoring	NOUN
amfbr-133	28	7	,	,	PUNCT
amfbr-133	28	8	it	it	PRON
amfbr-133	28	9	is	be	AUX
amfbr-133	28	10	possible	possible	ADJ
amfbr-133	28	11	to	to	PART
amfbr-133	28	12	detect	detect	VERB
amfbr-133	28	13	,	,	PUNCT
amfbr-133	28	14	the	the	DET
amfbr-133	28	15	sticky	sticky	ADJ
amfbr-133	28	16	accounts	account	NOUN
amfbr-133	28	17	,	,	PUNCT
amfbr-133	28	18	the	the	DET
amfbr-133	28	19	incipient	incipient	ADJ
amfbr-133	28	20	sickness	sickness	NOUN
amfbr-133	28	21	of	of	ADP
amfbr-133	28	22	the	the	DET
amfbr-133	28	23	early	early	ADJ
amfbr-133	28	24	stages	stage	NOUN
amfbr-133	28	25	itself	itself	PRON
amfbr-133	28	26	and	and	CCONJ
amfbr-133	28	27	an	an	DET
amfbr-133	28	28	attempt	attempt	NOUN
amfbr-133	28	29	could	could	AUX
amfbr-133	28	30	be	be	AUX
amfbr-133	28	31	made	make	VERB
amfbr-133	28	32	to	to	PART
amfbr-133	28	33	review	review	VERB
amfbr-133	28	34	the	the	DET
amfbr-133	28	35	unit	unit	NOUN
amfbr-133	28	36	and	and	CCONJ
amfbr-133	28	37	put	put	VERB
amfbr-133	28	38	it	it	PRON
amfbr-133	28	39	backon	backon	VERB
amfbr-133	28	40	the	the	DET
amfbr-133	28	41	road	road	NOUN
amfbr-133	28	42	to	to	ADP
amfbr-133	28	43	recovery	recovery	PROPN
amfbr-133	28	44	s.n	s.n	PROPN
amfbr-133	28	45	.	.	PROPN
amfbr-133	28	46	bidani	bidani	PROPN
amfbr-133	28	47	(	(	PUNCT
amfbr-133	28	48	2002	2002	NUM
amfbr-133	28	49	)	)	PUNCT
amfbr-133	28	50	argued	argue	VERB
amfbr-133	28	51	that	that	SCONJ
amfbr-133	28	52	non	non	ADJ
amfbr-133	28	53	-	-	ADJ
amfbr-133	28	54	performing	perform	VERB
amfbr-133	28	55	assets	asset	NOUN
amfbr-133	28	56	are	be	AUX
amfbr-133	28	57	the	the	DET
amfbr-133	28	58	smoking	smoking	NOUN
amfbr-133	28	59	gun	gun	NOUN
amfbr-133	28	60	threatening	threaten	VERB
amfbr-133	28	61	the	the	DET
amfbr-133	28	62	very	very	ADJ
amfbr-133	28	63	stability	stability	NOUN
amfbr-133	28	64	of	of	ADP
amfbr-133	28	65	indian	indian	ADJ
amfbr-133	28	66	banks	bank	NOUN
amfbr-133	28	67	.	.	PUNCT
amfbr-133	29	1	npas	npa	VERB
amfbr-133	29	2	wreck	wreck	VERB
amfbr-133	29	3	a	a	DET
amfbr-133	29	4	banks	bank	NOUN
amfbr-133	29	5	’	'	PUNCT
amfbr-133	29	6	profitability	profitability	NOUN
amfbr-133	29	7	both	both	CCONJ
amfbr-133	29	8	through	through	ADP
amfbr-133	29	9	a	a	DET
amfbr-133	29	10	loss	loss	NOUN
amfbr-133	29	11	of	of	ADP
amfbr-133	29	12	interest	interest	NOUN
amfbr-133	29	13	income	income	NOUN
amfbr-133	29	14	and	and	CCONJ
amfbr-133	29	15	write	write	NOUN
amfbr-133	29	16	-	-	PUNCT
amfbr-133	29	17	off	off	NOUN
amfbr-133	29	18	of	of	ADP
amfbr-133	29	19	the	the	DET
amfbr-133	29	20	principal	principal	ADJ
amfbr-133	29	21	loan	loan	NOUN
amfbr-133	29	22	amount	amount	NOUN
amfbr-133	29	23	itself	itself	PRON
amfbr-133	29	24	.	.	PUNCT
amfbr-133	30	1	this	this	PRON
amfbr-133	30	2	is	be	AUX
amfbr-133	30	3	definitive	definitive	ADJ
amfbr-133	30	4	book	book	NOUN
amfbr-133	30	5	which	which	PRON
amfbr-133	30	6	tackles	tackle	VERB
amfbr-133	30	7	the	the	DET
amfbr-133	30	8	subject	subject	NOUN
amfbr-133	30	9	of	of	ADP
amfbr-133	30	10	managing	manage	VERB
amfbr-133	30	11	bank	bank	NOUN
amfbr-133	30	12	npas	npa	VERB
amfbr-133	30	13	in	in	ADP
amfbr-133	30	14	it‟s	it‟s	PROPN
amfbr-133	30	15	entirely	entirely	ADV
amfbr-133	30	16	,	,	PUNCT
amfbr-133	30	17	starling	starle	VERB
amfbr-133	30	18	right	right	ADV
amfbr-133	30	19	from	from	ADP
amfbr-133	30	20	the	the	DET
amfbr-133	30	21	stage	stage	NOUN
amfbr-133	30	22	of	of	ADP
amfbr-133	30	23	their	their	PRON
amfbr-133	30	24	identification	identification	NOUN
amfbr-133	30	25	till	till	SCONJ
amfbr-133	30	26	the	the	DET
amfbr-133	30	27	recovery	recovery	NOUN
amfbr-133	30	28	of	of	ADP
amfbr-133	30	29	dues	due	NOUN
amfbr-133	30	30	in	in	ADP
amfbr-133	30	31	such	such	ADJ
amfbr-133	30	32	ac	ac	NOUN
amfbr-133	30	33	-	-	NOUN
amfbr-133	30	34	counts	count	NOUN
amfbr-133	30	35	.	.	PUNCT
amfbr-133	31	1	paul	paul	PROPN
amfbr-133	31	2	purnendu	purnendu	PROPN
amfbr-133	31	3	,	,	PUNCT
amfbr-133	31	4	bose	bose	ADJ
amfbr-133	31	5	,	,	PUNCT
amfbr-133	31	6	swapan	swapan	NOUN
amfbr-133	31	7	and	and	CCONJ
amfbr-133	31	8	dhalla	dhalla	PROPN
amfbr-133	31	9	,	,	PUNCT
amfbr-133	31	10	rizwan	rizwan	PROPN
amfbr-133	31	11	s.(2011	s.(2011	PROPN
amfbr-133	31	12	)	)	PUNCT
amfbr-133	31	13	attempted	attempt	VERB
amfbr-133	31	14	to	to	PART
amfbr-133	31	15	measure	measure	VERB
amfbr-133	31	16	the	the	DET
amfbr-133	31	17	relative	relative	ADJ
amfbr-133	31	18	efficiency	efficiency	NOUN
amfbr-133	31	19	of	of	ADP
amfbr-133	31	20	indian	indian	ADJ
amfbr-133	31	21	psu	psu	ADJ
amfbr-133	31	22	banks	bank	NOUN
amfbr-133	31	23	on	on	ADP
amfbr-133	31	24	overall	overall	ADJ
amfbr-133	31	25	financial	financial	ADJ
amfbr-133	31	26	performances	performance	NOUN
amfbr-133	31	27	.	.	PUNCT
amfbr-133	32	1	since	since	SCONJ
amfbr-133	32	2	,	,	PUNCT
amfbr-133	32	3	the	the	DET
amfbr-133	32	4	financial	financial	ADJ
amfbr-133	32	5	industry	industry	NOUN
amfbr-133	32	6	in	in	ADP
amfbr-133	32	7	a	a	DET
amfbr-133	32	8	developing	develop	VERB
amfbr-133	32	9	country	country	NOUN
amfbr-133	32	10	like	like	ADP
amfbr-133	32	11	india	india	PROPN
amfbr-133	32	12	is	be	AUX
amfbr-133	32	13	undergoing	undergo	VERB
amfbr-133	32	14	through	through	ADP
amfbr-133	32	15	a	a	DET
amfbr-133	32	16	very	very	ADV
amfbr-133	32	17	dynamic	dynamic	ADJ
amfbr-133	32	18	paceof	paceof	ADJ
amfbr-133	32	19	restructuring	restructuring	NOUN
amfbr-133	32	20	,	,	PUNCT
amfbr-133	32	21	it	it	PRON
amfbr-133	32	22	is	be	AUX
amfbr-133	32	23	imperative	imperative	ADJ
amfbr-133	32	24	for	for	SCONJ
amfbr-133	32	25	a	a	DET
amfbr-133	32	26	bank	bank	NOUN
amfbr-133	32	27	to	to	PART
amfbr-133	32	28	continuously	continuously	ADV
amfbr-133	32	29	monitor	monitor	VERB
amfbr-133	32	30	their	their	PRON
amfbr-133	32	31	efficiency	efficiency	NOUN
amfbr-133	32	32	on	on	ADP
amfbr-133	32	33	non	non	ADJ
amfbr-133	32	34	-	-	ADJ
amfbr-133	32	35	performing	perform	VERB
amfbr-133	32	36	assets	asset	NOUN
amfbr-133	32	37	,	,	PUNCT
amfbr-133	32	38	capital	capital	NOUN
amfbr-133	32	39	risk	risk	NOUN
amfbr-133	32	40	-	-	PUNCT
amfbr-133	32	41	weighted	weight	VERB
amfbr-133	32	42	asset	asset	NOUN
amfbr-133	32	43	ratio	ratio	NOUN
amfbr-133	32	44	,	,	PUNCT
amfbr-133	32	45	business	business	NOUN
amfbr-133	32	46	per	per	ADP
amfbr-133	32	47	employee	employee	NOUN
amfbr-133	32	48	,	,	PUNCT
amfbr-133	32	49	return	return	VERB
amfbr-133	32	50	on	on	ADP
amfbr-133	32	51	assetsand	assetsand	ADJ
amfbr-133	32	52	profit	profit	NOUN
amfbr-133	32	53	per	per	ADP
amfbr-133	32	54	employee	employee	NOUN
amfbr-133	32	55	.	.	PUNCT
amfbr-133	33	1	here	here	ADV
amfbr-133	33	2	,	,	PUNCT
amfbr-133	33	3	non	non	ADJ
amfbr-133	33	4	-	-	ADJ
amfbr-133	33	5	performing	perform	VERB
amfbr-133	33	6	assets	asset	NOUN
amfbr-133	33	7	is	be	AUX
amfbr-133	33	8	a	a	DET
amfbr-133	33	9	negative	negative	ADJ
amfbr-133	33	10	financial	financial	ADJ
amfbr-133	33	11	indicator	indicator	NOUN
amfbr-133	33	12	.	.	PUNCT
amfbr-133	34	1	to	to	PART
amfbr-133	34	2	prove	prove	VERB
amfbr-133	34	3	empirically	empirically	ADV
amfbr-133	34	4	,	,	PUNCT
amfbr-133	34	5	we	we	PRON
amfbr-133	34	6	propose	propose	VERB
amfbr-133	34	7	a	a	DET
amfbr-133	34	8	framework	framework	NOUN
amfbr-133	34	9	to	to	PART
amfbr-133	34	10	measure	measure	VERB
amfbr-133	34	11	efficiency	efficiency	NOUN
amfbr-133	34	12	of	of	ADP
amfbr-133	34	13	indian	indian	ADJ
amfbr-133	34	14	public	public	ADJ
amfbr-133	34	15	sector	sector	NOUN
amfbr-133	34	16	banks	bank	NOUN
amfbr-133	34	17	.	.	PUNCT
amfbr-133	35	1	khedekar	khedekar	PROPN
amfbr-133	35	2	pooja	pooja	PROPN
amfbr-133	35	3	s.	s.	PROPN
amfbr-133	35	4	(	(	PUNCT
amfbr-133	35	5	2012	2012	NUM
amfbr-133	35	6	)	)	PUNCT
amfbr-133	35	7	recommends	recommend	VERB
amfbr-133	35	8	that	that	SCONJ
amfbr-133	35	9	a	a	DET
amfbr-133	35	10	strong	strong	ADJ
amfbr-133	35	11	banking	banking	NOUN
amfbr-133	35	12	sector	sector	NOUN
amfbr-133	35	13	is	be	AUX
amfbr-133	35	14	essential	essential	ADJ
amfbr-133	35	15	for	for	ADP
amfbr-133	35	16	a	a	DET
amfbr-133	35	17	flourishing	flourish	VERB
amfbr-133	35	18	economy	economy	NOUN
amfbr-133	35	19	.	.	PUNCT
amfbr-133	36	1	indian	indian	ADJ
amfbr-133	36	2	banking	banking	NOUN
amfbr-133	36	3	sector	sector	NOUN
amfbr-133	36	4	emerged	emerge	VERB
amfbr-133	36	5	stronger	strong	ADJ
amfbr-133	36	6	during	during	ADP
amfbr-133	36	7	2010	2010	NUM
amfbr-133	36	8	-	-	SYM
amfbr-133	36	9	11	11	NUM
amfbr-133	36	10	in	in	ADP
amfbr-133	36	11	the	the	DET
amfbr-133	36	12	aftermath	aftermath	NOUN
amfbr-133	36	13	of	of	ADP
amfbr-133	36	14	global	global	ADJ
amfbr-133	36	15	financial	financial	ADJ
amfbr-133	36	16	meltdown	meltdown	NOUN
amfbr-133	36	17	of	of	ADP
amfbr-133	36	18	2008	2008	NUM
amfbr-133	36	19	-	-	SYM
amfbr-133	36	20	10	10	NUM
amfbr-133	36	21	under	under	ADP
amfbr-133	36	22	the	the	DET
amfbr-133	36	23	watchful	watchful	ADJ
amfbr-133	36	24	eye	eye	NOUN
amfbr-133	36	25	of	of	ADP
amfbr-133	36	26	its	its	PRON
amfbr-133	36	27	regulator	regulator	NOUN
amfbr-133	36	28	.	.	PUNCT
amfbr-133	37	1	the	the	DET
amfbr-133	37	2	level	level	NOUN
amfbr-133	37	3	of	of	ADP
amfbr-133	37	4	npas	npas	NOUN
amfbr-133	37	5	acts	act	VERB
amfbr-133	37	6	as	as	ADP
amfbr-133	37	7	an	an	DET
amfbr-133	37	8	indicator	indicator	NOUN
amfbr-133	37	9	showing	show	VERB
amfbr-133	37	10	the	the	DET
amfbr-133	37	11	credit	credit	NOUN
amfbr-133	37	12	risks	risk	NOUN
amfbr-133	37	13	&	&	CCONJ
amfbr-133	37	14	efficiency	efficiency	NOUN
amfbr-133	37	15	of	of	ADP
amfbr-133	37	16	allocation	allocation	NOUN
amfbr-133	37	17	of	of	ADP
amfbr-133	37	18	resource	resource	NOUN
amfbr-133	37	19	.	.	PUNCT
amfbr-133	38	1	npa	npa	NOUN
amfbr-133	38	2	involves	involve	VERB
amfbr-133	38	3	the	the	DET
amfbr-133	38	4	necessity	necessity	NOUN
amfbr-133	38	5	of	of	ADP
amfbr-133	38	6	provisions	provision	NOUN
amfbr-133	38	7	,	,	PUNCT
amfbr-133	38	8	any	any	DET
amfbr-133	38	9	increase	increase	NOUN
amfbr-133	38	10	in	in	ADP
amfbr-133	38	11	which	which	PRON
amfbr-133	38	12	bring	bring	VERB
amfbr-133	38	13	down	down	ADP
amfbr-133	38	14	the	the	DET
amfbr-133	38	15	overall	overall	ADJ
amfbr-133	38	16	profitability	profitability	NOUN
amfbr-133	38	17	of	of	ADP
amfbr-133	38	18	banks	bank	NOUN
amfbr-133	38	19	.	.	PUNCT
amfbr-133	39	1	an	an	DET
amfbr-133	39	2	excessive	excessive	ADJ
amfbr-133	39	3	rise	rise	NOUN
amfbr-133	39	4	in	in	ADP
amfbr-133	39	5	interest	interest	NOUN
amfbr-133	39	6	rates	rate	NOUN
amfbr-133	39	7	over	over	ADP
amfbr-133	39	8	the	the	DET
amfbr-133	39	9	past	past	ADJ
amfbr-133	39	10	18	18	NUM
amfbr-133	39	11	months	month	NOUN
amfbr-133	39	12	has	have	AUX
amfbr-133	39	13	led	lead	VERB
amfbr-133	39	14	to	to	ADP
amfbr-133	39	15	a	a	DET
amfbr-133	39	16	sharp	sharp	ADJ
amfbr-133	39	17	increase	increase	NOUN
amfbr-133	39	18	in	in	ADP
amfbr-133	39	19	nonperforming	nonperforming	ADJ
amfbr-133	39	20	assets	asset	NOUN
amfbr-133	39	21	.	.	PUNCT
amfbr-133	40	1	this	this	PRON
amfbr-133	40	2	not	not	PART
amfbr-133	40	3	only	only	ADV
amfbr-133	40	4	affects	affect	VERB
amfbr-133	40	5	the	the	DET
amfbr-133	40	6	banks	bank	NOUN
amfbr-133	40	7	but	but	CCONJ
amfbr-133	40	8	also	also	ADV
amfbr-133	40	9	the	the	DET
amfbr-133	40	10	economy	economy	NOUN
amfbr-133	40	11	as	as	ADP
amfbr-133	40	12	a	a	DET
amfbr-133	40	13	whole	whole	NOUN
amfbr-133	40	14	.	.	PUNCT
amfbr-133	41	1	pooja	pooja	PROPN
amfbr-133	41	2	also	also	ADV
amfbr-133	41	3	deals	deal	VERB
amfbr-133	41	4	with	with	ADP
amfbr-133	41	5	understanding	understand	VERB
amfbr-133	41	6	the	the	DET
amfbr-133	41	7	concept	concept	NOUN
amfbr-133	41	8	of	of	ADP
amfbr-133	41	9	npa	npa	PROPN
amfbr-133	41	10	,	,	PUNCT
amfbr-133	41	11	the	the	DET
amfbr-133	41	12	causes	cause	NOUN
amfbr-133	41	13	and	and	CCONJ
amfbr-133	41	14	overview	overview	NOUN
amfbr-133	41	15	of	of	ADP
amfbr-133	41	16	different	different	ADJ
amfbr-133	41	17	sectors	sector	NOUN
amfbr-133	41	18	in	in	ADP
amfbr-133	41	19	india	india	PROPN
amfbr-133	41	20	.	.	PUNCT
amfbr-133	42	1	selvarajan	selvarajan	PROPN
amfbr-133	42	2	b.	b.	PROPN
amfbr-133	42	3	and	and	CCONJ
amfbr-133	42	4	vadivalagan	vadivalagan	VERB
amfbr-133	42	5	,	,	PUNCT
amfbr-133	42	6	g.	g.	PROPN
amfbr-133	42	7	(	(	PUNCT
amfbr-133	42	8	2012	2012	NUM
amfbr-133	42	9	)	)	PUNCT
amfbr-133	42	10	state	state	NOUN
amfbr-133	42	11	that	that	SCONJ
amfbr-133	42	12	non	non	ADJ
amfbr-133	42	13	-	-	ADJ
amfbr-133	42	14	performing	perform	VERB
amfbr-133	42	15	assets	asset	NOUN
amfbr-133	42	16	is	be	AUX
amfbr-133	42	17	not	not	PART
amfbr-133	42	18	a	a	DET
amfbr-133	42	19	dilemma	dilemma	NOUN
amfbr-133	42	20	facing	face	VERB
amfbr-133	42	21	exclusively	exclusively	ADV
amfbr-133	42	22	the	the	DET
amfbr-133	42	23	bankers	banker	NOUN
amfbr-133	42	24	;	;	PUNCT
amfbr-133	42	25	itis	itis	NOUN
amfbr-133	42	26	in	in	ADP
amfbr-133	42	27	fact	fact	NOUN
amfbr-133	42	28	an	an	DET
amfbr-133	42	29	all	all	DET
amfbr-133	42	30	pervasive	pervasive	ADJ
amfbr-133	42	31	national	national	ADJ
amfbr-133	42	32	scourge	scourge	NOUN
amfbr-133	42	33	swaying	sway	VERB
amfbr-133	42	34	the	the	DET
amfbr-133	42	35	entire	entire	ADJ
amfbr-133	42	36	indian	indian	ADJ
amfbr-133	42	37	economy	economy	NOUN
amfbr-133	42	38	.	.	PUNCT
amfbr-133	43	1	non	non	ADJ
amfbr-133	43	2	-	-	ADJ
amfbr-133	43	3	performing	perform	VERB
amfbr-133	43	4	asset	asset	NOUN
amfbr-133	43	5	is	be	AUX
amfbr-133	43	6	a	a	DET
amfbr-133	43	7	sore	sore	ADJ
amfbr-133	43	8	throat	throat	NOUN
amfbr-133	43	9	of	of	ADP
amfbr-133	43	10	the	the	DET
amfbr-133	43	11	indian	indian	ADJ
amfbr-133	43	12	economy	economy	NOUN
amfbr-133	43	13	as	as	ADP
amfbr-133	43	14	a	a	DET
amfbr-133	43	15	whole	whole	NOUN
amfbr-133	43	16	.	.	PUNCT
amfbr-133	44	1	non	non	ADJ
amfbr-133	44	2	-	-	ADJ
amfbr-133	44	3	performing	perform	VERB
amfbr-133	44	4	assets	asset	NOUN
amfbr-133	44	5	have	have	AUX
amfbr-133	44	6	affected	affect	VERB
amfbr-133	44	7	the	the	DET
amfbr-133	44	8	profitability	profitability	NOUN
amfbr-133	44	9	,	,	PUNCT
amfbr-133	44	10	liquidity	liquidity	NOUN
amfbr-133	44	11	and	and	CCONJ
amfbr-133	44	12	competitive	competitive	ADJ
amfbr-133	44	13	functioning	functioning	NOUN
amfbr-133	44	14	of	of	ADP
amfbr-133	44	15	banks	bank	NOUN
amfbr-133	44	16	and	and	CCONJ
amfbr-133	44	17	developmental	developmental	NOUN
amfbr-133	44	18	of	of	ADP
amfbr-133	44	19	financial	financial	ADJ
amfbr-133	44	20	institutions	institution	NOUN
amfbr-133	44	21	and	and	CCONJ
amfbr-133	44	22	finally	finally	ADV
amfbr-133	44	23	the	the	DET
amfbr-133	44	24	psychology	psychology	NOUN
amfbr-133	44	25	of	of	ADP
amfbr-133	44	26	the	the	DET
amfbr-133	44	27	bankers	banker	NOUN
amfbr-133	44	28	in	in	ADP
amfbr-133	44	29	respect	respect	NOUN
amfbr-133	44	30	of	of	ADP
amfbr-133	44	31	their	their	PRON
amfbr-133	44	32	disposition	disposition	NOUN
amfbr-133	44	33	towards	towards	ADP
amfbr-133	44	34	credit	credit	NOUN
amfbr-133	44	35	delivery	delivery	NOUN
amfbr-133	44	36	and	and	CCONJ
amfbr-133	44	37	credit	credit	NOUN
amfbr-133	44	38	expansion	expansion	NOUN
amfbr-133	44	39	.	.	PUNCT
amfbr-133	45	1	npas	npa	NOUN
amfbr-133	45	2	do	do	AUX
amfbr-133	45	3	not	not	PART
amfbr-133	45	4	generate	generate	VERB
amfbr-133	45	5	any	any	DET
amfbr-133	45	6	income	income	NOUN
amfbr-133	45	7	for	for	ADP
amfbr-133	45	8	the	the	DET
amfbr-133	45	9	banks	bank	NOUN
amfbr-133	45	10	,	,	PUNCT
amfbr-133	45	11	but	but	CCONJ
amfbr-133	45	12	at	at	ADP
amfbr-133	45	13	the	the	DET
amfbr-133	45	14	same	same	ADJ
amfbr-133	45	15	time	time	NOUN
amfbr-133	45	16	banks	bank	NOUN
amfbr-133	45	17	are	be	AUX
amfbr-133	45	18	required	require	VERB
amfbr-133	45	19	to	to	PART
amfbr-133	45	20	make	make	VERB
amfbr-133	45	21	provisions	provision	NOUN
amfbr-133	45	22	for	for	ADP
amfbr-133	45	23	such	such	ADJ
amfbr-133	45	24	npas	npas	NOUN
amfbr-133	45	25	from	from	ADP
amfbr-133	45	26	their	their	PRON
amfbr-133	45	27	current	current	ADJ
amfbr-133	45	28	profits	profit	NOUN
amfbr-133	45	29	.	.	PUNCT
amfbr-133	46	1	apart	apart	ADV
amfbr-133	46	2	from	from	ADP
amfbr-133	46	3	internal	internal	ADJ
amfbr-133	46	4	and	and	CCONJ
amfbr-133	46	5	external	external	ADJ
amfbr-133	46	6	complexities	complexity	NOUN
amfbr-133	46	7	,	,	PUNCT
amfbr-133	46	8	increases	increase	NOUN
amfbr-133	46	9	in	in	ADP
amfbr-133	46	10	npas	npas	NOUN
amfbr-133	46	11	directly	directly	ADV
amfbr-133	46	12	affects	affect	VERB
amfbr-133	46	13	banks	bank	NOUN
amfbr-133	46	14	'	'	PART
amfbr-133	46	15	profitability	profitability	NOUN
amfbr-133	46	16	sometimes	sometimes	ADV
amfbr-133	46	17	even	even	ADV
amfbr-133	46	18	their	their	PRON
amfbr-133	46	19	existence	existence	NOUN
amfbr-133	46	20	.	.	PUNCT
amfbr-133	47	1	veerakumar	veerakumar	PROPN
amfbr-133	47	2	,	,	PUNCT
amfbr-133	47	3	k.	k.	PROPN
amfbr-133	47	4	(	(	PUNCT
amfbr-133	47	5	2012	2012	NUM
amfbr-133	47	6	)	)	PUNCT
amfbr-133	47	7	mentions	mention	VERB
amfbr-133	47	8	that	that	SCONJ
amfbr-133	47	9	the	the	DET
amfbr-133	47	10	indian	indian	ADJ
amfbr-133	47	11	banking	banking	NOUN
amfbr-133	47	12	sector	sector	NOUN
amfbr-133	47	13	has	have	AUX
amfbr-133	47	14	been	be	AUX
amfbr-133	47	15	facing	face	VERB
amfbr-133	47	16	serious	serious	ADJ
amfbr-133	47	17	problems	problem	NOUN
amfbr-133	47	18	of	of	ADP
amfbr-133	47	19	raising	raise	VERB
amfbr-133	47	20	nonperforming	nonperforme	VERB
amfbr-133	47	21	assets	asset	NOUN
amfbr-133	47	22	(	(	PUNCT
amfbr-133	47	23	npas	npas	PROPN
amfbr-133	47	24	)	)	PUNCT
amfbr-133	47	25	.	.	PUNCT
amfbr-133	48	1	like	like	ADP
amfbr-133	48	2	a	a	DET
amfbr-133	48	3	canker	canker	NOUN
amfbr-133	48	4	worm	worm	NOUN
amfbr-133	48	5	,	,	PUNCT
amfbr-133	48	6	npas	npa	NOUN
amfbr-133	48	7	have	have	AUX
amfbr-133	48	8	been	be	AUX
amfbr-133	48	9	eating	eat	VERB
amfbr-133	48	10	the	the	DET
amfbr-133	48	11	banking	banking	NOUN
amfbr-133	48	12	industries	industry	NOUN
amfbr-133	48	13	from	from	ADP
amfbr-133	48	14	within	within	ADP
amfbr-133	48	15	,	,	PUNCT
amfbr-133	48	16	since	since	SCONJ
amfbr-133	48	17	nationalization	nationalization	NOUN
amfbr-133	48	18	of	of	ADP
amfbr-133	48	19	banks	bank	NOUN
amfbr-133	48	20	in	in	ADP
amfbr-133	48	21	1969	1969	NUM
amfbr-133	48	22	.	.	PUNCT
amfbr-133	49	1	npas	npa	NOUN
amfbr-133	49	2	have	have	AUX
amfbr-133	49	3	choked	choke	VERB
amfbr-133	49	4	off	off	ADP
amfbr-133	49	5	quantum	quantum	NOUN
amfbr-133	49	6	of	of	ADP
amfbr-133	49	7	credit	credit	NOUN
amfbr-133	49	8	,	,	PUNCT
amfbr-133	49	9	restriction	restriction	VERB
amfbr-133	49	10	the	the	DET
amfbr-133	49	11	recycling	recycling	NOUN
amfbr-133	49	12	of	of	ADP
amfbr-133	49	13	funds	fund	NOUN
amfbr-133	49	14	and	and	CCONJ
amfbr-133	49	15	leads	lead	VERB
amfbr-133	49	16	to	to	ADP
amfbr-133	49	17	asset	asset	NOUN
amfbr-133	49	18	-	-	PUNCT
amfbr-133	49	19	liability	liability	NOUN
amfbr-133	49	20	mismatches	mismatch	NOUN
amfbr-133	49	21	.	.	PUNCT
amfbr-133	50	1	it	it	PRON
amfbr-133	50	2	also	also	ADV
amfbr-133	50	3	affected	affect	VERB
amfbr-133	50	4	profitability	profitability	NOUN
amfbr-133	50	5	,	,	PUNCT
amfbr-133	50	6	liquidity	liquidity	NOUN
amfbr-133	50	7	and	and	CCONJ
amfbr-133	50	8	solvency	solvency	NOUN
amfbr-133	50	9	position	position	NOUN
amfbr-133	50	10	of	of	ADP
amfbr-133	50	11	the	the	DET
amfbr-133	50	12	indian	indian	ADJ
amfbr-133	50	13	banking	banking	NOUN
amfbr-133	50	14	sector	sector	NOUN
amfbr-133	50	15	.	.	PUNCT
amfbr-133	51	1	one	one	NUM
amfbr-133	51	2	of	of	ADP
amfbr-133	51	3	the	the	DET
amfbr-133	51	4	major	major	ADJ
amfbr-133	51	5	reasons	reason	NOUN
amfbr-133	51	6	for	for	ADP
amfbr-133	51	7	npas	npas	NOUN
amfbr-133	51	8	in	in	ADP
amfbr-133	51	9	the	the	DET
amfbr-133	51	10	banking	banking	NOUN
amfbr-133	51	11	sector	sector	NOUN
amfbr-133	51	12	is	be	AUX
amfbr-133	51	13	the	the	DET
amfbr-133	51	14	'	'	PUNCT
amfbr-133	51	15	direct	direct	ADJ
amfbr-133	51	16	lending	lending	NOUN
amfbr-133	51	17	system	system	NOUN
amfbr-133	51	18	'	'	PUNCT
amfbr-133	51	19	by	by	ADP
amfbr-133	51	20	the	the	DET
amfbr-133	51	21	rbi	rbi	NOUN
amfbr-133	51	22	under	under	ADP
amfbr-133	51	23	social	social	ADJ
amfbr-133	51	24	banking	banking	NOUN
amfbr-133	51	25	motto	motto	NOUN
amfbr-133	51	26	of	of	ADP
amfbr-133	51	27	the	the	DET
amfbr-133	51	28	government	government	NOUN
amfbr-133	51	29	,	,	PUNCT
amfbr-133	51	30	under	under	ADP
amfbr-133	51	31	which	which	PRON
amfbr-133	51	32	scheduled	schedule	VERB
amfbr-133	51	33	commercial	commercial	ADJ
amfbr-133	51	34	banks	bank	NOUN
amfbr-133	51	35	are	be	AUX
amfbr-133	51	36	required	require	VERB
amfbr-133	51	37	to	to	ADP
amfbr-133	51	38	lend40	lend40	NOUN
amfbr-133	51	39	%	%	NOUN
amfbr-133	51	40	of	of	ADP
amfbr-133	51	41	their	their	PRON
amfbr-133	51	42	total	total	ADJ
amfbr-133	51	43	credit	credit	NOUN
amfbr-133	51	44	to	to	ADP
amfbr-133	51	45	priority	priority	NOUN
amfbr-133	51	46	sector	sector	NOUN
amfbr-133	51	47	.	.	PUNCT
amfbr-133	52	1	the	the	DET
amfbr-133	52	2	banks	bank	NOUN
amfbr-133	52	3	who	who	PRON
amfbr-133	52	4	have	have	AUX
amfbr-133	52	5	advanced	advance	VERB
amfbr-133	52	6	to	to	ADP
amfbr-133	52	7	the	the	DET
amfbr-133	52	8	priority	priority	NOUN
amfbr-133	52	9	sector	sector	NOUN
amfbr-133	52	10	and	and	CCONJ
amfbr-133	52	11	reached	reach	VERB
amfbr-133	52	12	the	the	DET
amfbr-133	52	13	target	target	NOUN
amfbr-133	52	14	suffocated	suffocate	VERB
amfbr-133	52	15	on	on	ADP
amfbr-133	52	16	account	account	NOUN
amfbr-133	52	17	of	of	ADP
amfbr-133	52	18	raising	raise	VERB
amfbr-133	52	19	npas	npa	NOUN
amfbr-133	52	20	,	,	PUNCT
amfbr-133	52	21	since	since	SCONJ
amfbr-133	52	22	long	long	ADV
amfbr-133	52	23	.	.	PUNCT
amfbr-133	53	1	the	the	DET
amfbr-133	53	2	priority	priority	NOUN
amfbr-133	53	3	sector	sector	NOUN
amfbr-133	53	4	npas	npa	NOUN
amfbr-133	53	5	have	have	AUX
amfbr-133	53	6	registered	register	VERB
amfbr-133	53	7	higher	high	ADJ
amfbr-133	53	8	growth	growth	NOUN
amfbr-133	53	9	both	both	PRON
amfbr-133	53	10	in	in	ADP
amfbr-133	53	11	percentage	percentage	NOUN
amfbr-133	53	12	and	and	CCONJ
amfbr-133	53	13	in	in	ADP
amfbr-133	53	14	absolute	absolute	ADJ
amfbr-133	53	15	terms	term	NOUN
amfbr-133	53	16	year	year	NOUN
amfbr-133	53	17	after	after	ADP
amfbr-133	53	18	year	year	NOUN
amfbr-133	53	19	.	.	PUNCT
amfbr-133	54	1	the	the	DET
amfbr-133	54	2	present	present	ADJ
amfbr-133	54	3	paper	paper	NOUN
amfbr-133	54	4	is	be	AUX
amfbr-133	54	5	an	an	DET
amfbr-133	54	6	attempt	attempt	NOUN
amfbr-133	54	7	to	to	PART
amfbr-133	54	8	study	study	VERB
amfbr-133	54	9	the	the	DET
amfbr-133	54	10	priority	priority	NOUN
amfbr-133	54	11	sector	sector	NOUN
amfbr-133	54	12	advances	advance	NOUN
amfbr-133	54	13	by	by	ADP
amfbr-133	54	14	the	the	DET
amfbr-133	54	15	public	public	ADJ
amfbr-133	54	16	,	,	PUNCT
amfbr-133	54	17	private	private	ADJ
amfbr-133	54	18	and	and	CCONJ
amfbr-133	54	19	foreign	foreign	ADJ
amfbr-133	54	20	bank	bank	NOUN
amfbr-133	54	21	group	group	NOUN
amfbr-133	54	22	-	-	PUNCT
amfbr-133	54	23	wise	wise	ADJ
amfbr-133	54	24	,	,	PUNCT
amfbr-133	54	25	target	target	NOUN
amfbr-133	54	26	achieved	achieve	VERB
amfbr-133	54	27	by	by	ADP
amfbr-133	54	28	them	they	PRON
amfbr-133	54	29	and	and	CCONJ
amfbr-133	54	30	a	a	DET
amfbr-133	54	31	comparative	comparative	ADJ
amfbr-133	54	32	study	study	NOUN
amfbr-133	54	33	on	on	ADP
amfbr-133	54	34	priority	priority	NOUN
amfbr-133	54	35	and	and	CCONJ
amfbr-133	54	36	non	non	ADJ
amfbr-133	54	37	-	-	ADJ
amfbr-133	54	38	priority	priority	ADJ
amfbr-133	54	39	sector	sector	NOUN
amfbr-133	54	40	npas	npa	VERB
amfbr-133	54	41	over	over	ADP
amfbr-133	54	42	the	the	DET
amfbr-133	54	43	period	period	NOUN
amfbr-133	54	44	of	of	ADP
amfbr-133	54	45	10	10	NUM
amfbr-133	54	46	years	year	NOUN
amfbr-133	54	47	between	between	ADP
amfbr-133	54	48	2001	2001	NUM
amfbr-133	54	49	-	-	SYM
amfbr-133	54	50	02	02	NUM
amfbr-133	54	51	and	and	CCONJ
amfbr-133	54	52	2010-11.the	2010-11.the	DET
amfbr-133	54	53	author	author	NOUN
amfbr-133	54	54	also	also	ADV
amfbr-133	54	55	aims	aim	VERB
amfbr-133	54	56	to	to	PART
amfbr-133	54	57	find	find	VERB
amfbr-133	54	58	out	out	ADP
amfbr-133	54	59	the	the	DET
amfbr-133	54	60	categories	category	NOUN
amfbr-133	54	61	of	of	ADP
amfbr-133	54	62	priority	priority	NOUN
amfbr-133	54	63	sector	sector	NOUN
amfbr-133	54	64	advances	advance	NOUN
amfbr-133	54	65	which	which	PRON
amfbr-133	54	66	contribute	contribute	VERB
amfbr-133	54	67	to	to	ADP
amfbr-133	54	68	the	the	DET
amfbr-133	54	69	growth	growth	NOUN
amfbr-133	54	70	of	of	ADP
amfbr-133	54	71	total	total	ADJ
amfbr-133	54	72	priority	priority	NOUN
amfbr-133	54	73	sector	sector	NOUN
amfbr-133	54	74	npas	npa	VERB
amfbr-133	54	75	during	during	ADP
amfbr-133	54	76	the	the	DET
amfbr-133	54	77	period	period	NOUN
amfbr-133	54	78	under	under	ADP
amfbr-133	54	79	study	study	NOUN
amfbr-133	54	80	.	.	PUNCT
amfbr-133	55	1	murthy	murthy	ADJ
amfbr-133	55	2	,	,	PUNCT
amfbr-133	55	3	k.	k.	PROPN
amfbr-133	55	4	v.	v.	PROPN
amfbr-133	55	5	bhanu	bhanu	PROPN
amfbr-133	55	6	gupta	gupta	PROPN
amfbr-133	55	7	,	,	PUNCT
amfbr-133	55	8	lovleen	lovleen	VERB
amfbr-133	55	9	.	.	PUNCT
amfbr-133	56	1	(	(	PUNCT
amfbr-133	56	2	2012	2012	NUM
amfbr-133	56	3	)	)	PUNCT
amfbr-133	56	4	studied	study	VERB
amfbr-133	56	5	the	the	DET
amfbr-133	56	6	impact	impact	NOUN
amfbr-133	56	7	of	of	ADP
amfbr-133	56	8	liberalization	liberalization	NOUN
amfbr-133	56	9	on	on	ADP
amfbr-133	56	10	the	the	DET
amfbr-133	56	11	non	non	ADJ
amfbr-133	56	12	-	-	ADJ
amfbr-133	56	13	performing	perform	VERB
amfbr-133	56	14	assets	asset	NOUN
amfbr-133	56	15	of	of	ADP
amfbr-133	56	16	the	the	DET
amfbr-133	56	17	four	four	NUM
amfbr-133	56	18	banking	banking	NOUN
amfbr-133	56	19	segments	segment	NOUN
amfbr-133	56	20	,	,	PUNCT
amfbr-133	56	21	namely	namely	ADV
amfbr-133	56	22	,	,	PUNCT
amfbr-133	56	23	public	public	ADJ
amfbr-133	56	24	sector	sector	NOUN
amfbr-133	56	25	,	,	PUNCT
amfbr-133	56	26	old	old	ADJ
amfbr-133	56	27	private	private	ADJ
amfbr-133	56	28	sector	sector	NOUN
amfbr-133	56	29	,	,	PUNCT
amfbr-133	56	30	new	new	ADJ
amfbr-133	56	31	private	private	ADJ
amfbr-133	56	32	sector	sector	NOUN
amfbr-133	56	33	and	and	CCONJ
amfbr-133	56	34	foreign	foreign	ADJ
amfbr-133	56	35	banks	bank	NOUN
amfbr-133	56	36	by	by	ADP
amfbr-133	56	37	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-133	56	38	american	american	PROPN
amfbr-133	56	39	finance	finance	PROPN
amfbr-133	56	40	&	&	CCONJ
amfbr-133	56	41	banking	banking	PROPN
amfbr-133	56	42	review	review	PROPN
amfbr-133	56	43	vol	vol	NOUN
amfbr-133	56	44	.	.	PROPN
amfbr-133	57	1	2	2	NUM
amfbr-133	57	2	,	,	PUNCT
amfbr-133	57	3	no	no	INTJ
amfbr-133	57	4	.	.	NOUN
amfbr-133	57	5	2	2	NUM
amfbr-133	57	6	;	;	PUNCT
amfbr-133	57	7	2018	2018	NUM
amfbr-133	57	8	16	16	NUM
amfbr-133	57	9	studying	study	VERB
amfbr-133	57	10	the	the	DET
amfbr-133	57	11	overall	overall	ADJ
amfbr-133	57	12	trends	trend	NOUN
amfbr-133	57	13	in	in	ADP
amfbr-133	57	14	npas	npas	NOUN
amfbr-133	57	15	.	.	PUNCT
amfbr-133	58	1	we	we	PRON
amfbr-133	58	2	have	have	AUX
amfbr-133	58	3	used	use	VERB
amfbr-133	58	4	the	the	DET
amfbr-133	58	5	structureconductperformance	structureconductperformance	NOUN
amfbr-133	58	6	(	(	PUNCT
amfbr-133	58	7	s	s	NOUN
amfbr-133	58	8	-	-	PUNCT
amfbr-133	58	9	c	c	NOUN
amfbr-133	58	10	-	-	PUNCT
amfbr-133	58	11	p	p	NOUN
amfbr-133	58	12	)	)	PUNCT
amfbr-133	58	13	approach	approach	NOUN
amfbr-133	58	14	that	that	PRON
amfbr-133	58	15	shows	show	VERB
amfbr-133	58	16	the	the	DET
amfbr-133	58	17	relationship	relationship	NOUN
amfbr-133	58	18	between	between	ADP
amfbr-133	58	19	competition	competition	NOUN
amfbr-133	58	20	and	and	CCONJ
amfbr-133	58	21	conduct	conduct	NOUN
amfbr-133	58	22	,	,	PUNCT
amfbr-133	58	23	concentration	concentration	NOUN
amfbr-133	58	24	and	and	CCONJ
amfbr-133	58	25	growth	growth	NOUN
amfbr-133	58	26	in	in	ADP
amfbr-133	58	27	npas	npas	PROPN
amfbr-133	58	28	.	.	PUNCT
amfbr-133	59	1	our	our	PRON
amfbr-133	59	2	results	result	NOUN
amfbr-133	59	3	show	show	VERB
amfbr-133	59	4	that	that	SCONJ
amfbr-133	59	5	on	on	ADP
amfbr-133	59	6	an	an	DET
amfbr-133	59	7	average	average	NOUN
amfbr-133	59	8	across	across	ADP
amfbr-133	59	9	the	the	DET
amfbr-133	59	10	banking	banking	NOUN
amfbr-133	59	11	industry	industry	NOUN
amfbr-133	59	12	segments	segment	NOUN
amfbr-133	59	13	,	,	PUNCT
amfbr-133	59	14	average	average	ADJ
amfbr-133	59	15	non	non	ADJ
amfbr-133	59	16	-	-	ADJ
amfbr-133	59	17	performing	perform	VERB
amfbr-133	59	18	assets	asset	NOUN
amfbr-133	59	19	in	in	ADP
amfbr-133	59	20	the	the	DET
amfbr-133	59	21	past	past	ADJ
amfbr-133	59	22	11	11	NUM
amfbr-133	59	23	years	year	NOUN
amfbr-133	59	24	have	have	AUX
amfbr-133	59	25	been	be	AUX
amfbr-133	59	26	declining	decline	VERB
amfbr-133	59	27	at	at	ADP
amfbr-133	59	28	the	the	DET
amfbr-133	59	29	rate	rate	NOUN
amfbr-133	59	30	of	of	ADP
amfbr-133	59	31	13	13	NUM
amfbr-133	59	32	%	%	NOUN
amfbr-133	59	33	p.a	p.a	PROPN
amfbr-133	59	34	.	.	PROPN
amfbr-133	59	35	compounded	compound	VERB
amfbr-133	59	36	growth	growth	NOUN
amfbr-133	59	37	rate	rate	NOUN
amfbr-133	59	38	.	.	PUNCT
amfbr-133	60	1	the	the	DET
amfbr-133	60	2	old	old	ADJ
amfbr-133	60	3	private	private	ADJ
amfbr-133	60	4	sector	sector	NOUN
amfbr-133	60	5	banks	bank	NOUN
amfbr-133	60	6	'	'	PART
amfbr-133	60	7	nonperforming	nonperforme	VERB
amfbr-133	60	8	assets	asset	NOUN
amfbr-133	60	9	have	have	AUX
amfbr-133	60	10	reduced	reduce	VERB
amfbr-133	60	11	at	at	ADP
amfbr-133	60	12	the	the	DET
amfbr-133	60	13	rate	rate	NOUN
amfbr-133	60	14	of	of	ADP
amfbr-133	60	15	11.98	11.98	NUM
amfbr-133	60	16	%	%	NOUN
amfbr-133	60	17	and	and	CCONJ
amfbr-133	60	18	that	that	PRON
amfbr-133	60	19	of	of	ADP
amfbr-133	60	20	public	public	ADJ
amfbr-133	60	21	sector	sector	NOUN
amfbr-133	60	22	banks	bank	NOUN
amfbr-133	60	23	have	have	AUX
amfbr-133	60	24	declined	decline	VERB
amfbr-133	60	25	at	at	ADP
amfbr-133	60	26	the	the	DET
amfbr-133	60	27	rate	rate	NOUN
amfbr-133	60	28	of	of	ADP
amfbr-133	60	29	18	18	NUM
amfbr-133	60	30	%	%	NOUN
amfbr-133	60	31	and	and	CCONJ
amfbr-133	60	32	foreign	foreign	ADJ
amfbr-133	60	33	bank	bank	NOUN
amfbr-133	60	34	sat	sit	VERB
amfbr-133	60	35	11.4	11.4	NUM
amfbr-133	60	36	%	%	NOUN
amfbr-133	60	37	.	.	PUNCT
amfbr-133	61	1	though	though	SCONJ
amfbr-133	61	2	new	new	ADJ
amfbr-133	61	3	private	private	ADJ
amfbr-133	61	4	sector	sector	NOUN
amfbr-133	61	5	banks	bank	NOUN
amfbr-133	61	6	and	and	CCONJ
amfbr-133	61	7	the	the	DET
amfbr-133	61	8	foreign	foreign	ADJ
amfbr-133	61	9	banks	bank	NOUN
amfbr-133	61	10	seem	seem	VERB
amfbr-133	61	11	to	to	PART
amfbr-133	61	12	be	be	AUX
amfbr-133	61	13	more	more	ADV
amfbr-133	61	14	efficient	efficient	ADJ
amfbr-133	61	15	but	but	CCONJ
amfbr-133	61	16	their	their	PRON
amfbr-133	61	17	conduct	conduct	NOUN
amfbr-133	61	18	does	do	AUX
amfbr-133	61	19	not	not	PART
amfbr-133	61	20	show	show	VERB
amfbr-133	61	21	consistency	consistency	NOUN
amfbr-133	61	22	and	and	CCONJ
amfbr-133	61	23	stability	stability	NOUN
amfbr-133	61	24	.	.	PUNCT
amfbr-133	62	1	joseph	joseph	PROPN
amfbr-133	62	2	,	,	PUNCT
amfbr-133	62	3	mabvure	mabvure	PROPN
amfbr-133	62	4	tendai	tendai	PROPN
amfbr-133	62	5	edson	edson	PROPN
amfbr-133	62	6	,	,	PUNCT
amfbr-133	62	7	gwangwava	gwangwava	PROPN
amfbr-133	62	8	(	(	PUNCT
amfbr-133	62	9	2012	2012	NUM
amfbr-133	62	10	)	)	PUNCT
amfbr-133	62	11	attempted	attempt	VERB
amfbr-133	62	12	to	to	PART
amfbr-133	62	13	find	find	VERB
amfbr-133	62	14	out	out	ADP
amfbr-133	62	15	the	the	DET
amfbr-133	62	16	causes	cause	NOUN
amfbr-133	62	17	of	of	ADP
amfbr-133	62	18	non	non	ADJ
amfbr-133	62	19	-	-	ADJ
amfbr-133	62	20	performing	performing	ADJ
amfbr-133	62	21	loans	loan	NOUN
amfbr-133	62	22	in	in	ADP
amfbr-133	62	23	zimbabwe	zimbabwe	PROPN
amfbr-133	62	24	.	.	PUNCT
amfbr-133	63	1	loans	loan	NOUN
amfbr-133	63	2	form	form	VERB
amfbr-133	63	3	a	a	DET
amfbr-133	63	4	greater	great	ADJ
amfbr-133	63	5	portion	portion	NOUN
amfbr-133	63	6	of	of	ADP
amfbr-133	63	7	the	the	DET
amfbr-133	63	8	total	total	ADJ
amfbr-133	63	9	assets	asset	NOUN
amfbr-133	63	10	in	in	ADP
amfbr-133	63	11	banks	bank	NOUN
amfbr-133	63	12	.	.	PUNCT
amfbr-133	64	1	these	these	DET
amfbr-133	64	2	assets	asset	NOUN
amfbr-133	64	3	generate	generate	VERB
amfbr-133	64	4	huge	huge	ADJ
amfbr-133	64	5	interest	interest	NOUN
amfbr-133	64	6	income	income	NOUN
amfbr-133	64	7	for	for	ADP
amfbr-133	64	8	banks	bank	NOUN
amfbr-133	64	9	which	which	PRON
amfbr-133	64	10	to	to	ADP
amfbr-133	64	11	a	a	DET
amfbr-133	64	12	large	large	ADJ
amfbr-133	64	13	extent	extent	NOUN
amfbr-133	64	14	determines	determine	VERB
amfbr-133	64	15	the	the	DET
amfbr-133	64	16	financial	financial	ADJ
amfbr-133	64	17	performance	performance	NOUN
amfbr-133	64	18	of	of	ADP
amfbr-133	64	19	banks	bank	NOUN
amfbr-133	64	20	.	.	PUNCT
amfbr-133	65	1	however	however	ADV
amfbr-133	65	2	,	,	PUNCT
amfbr-133	65	3	some	some	PRON
amfbr-133	65	4	of	of	ADP
amfbr-133	65	5	these	these	DET
amfbr-133	65	6	loans	loan	NOUN
amfbr-133	65	7	usually	usually	ADV
amfbr-133	65	8	fall	fall	VERB
amfbr-133	65	9	in	in	ADP
amfbr-133	65	10	ton	ton	NOUN
amfbr-133	65	11	on	on	ADP
amfbr-133	65	12	-	-	PUNCT
amfbr-133	65	13	performing	perform	VERB
amfbr-133	65	14	status	status	NOUN
amfbr-133	65	15	and	and	CCONJ
amfbr-133	65	16	adversely	adversely	ADV
amfbr-133	65	17	affect	affect	VERB
amfbr-133	65	18	the	the	DET
amfbr-133	65	19	performance	performance	NOUN
amfbr-133	65	20	of	of	ADP
amfbr-133	65	21	banks	bank	NOUN
amfbr-133	65	22	.	.	PUNCT
amfbr-133	66	1	in	in	ADP
amfbr-133	66	2	view	view	NOUN
amfbr-133	66	3	of	of	ADP
amfbr-133	66	4	the	the	DET
amfbr-133	66	5	critical	critical	ADJ
amfbr-133	66	6	role	role	NOUN
amfbr-133	66	7	banks	bank	NOUN
amfbr-133	66	8	play	play	VERB
amfbr-133	66	9	in	in	ADP
amfbr-133	66	10	an	an	DET
amfbr-133	66	11	economy	economy	NOUN
amfbr-133	66	12	,	,	PUNCT
amfbr-133	66	13	it	it	PRON
amfbr-133	66	14	is	be	AUX
amfbr-133	66	15	essential	essential	ADJ
amfbr-133	66	16	to	to	PART
amfbr-133	66	17	identify	identify	VERB
amfbr-133	66	18	problems	problem	NOUN
amfbr-133	66	19	that	that	PRON
amfbr-133	66	20	affect	affect	VERB
amfbr-133	66	21	the	the	DET
amfbr-133	66	22	performance	performance	NOUN
amfbr-133	66	23	of	of	ADP
amfbr-133	66	24	these	these	DET
amfbr-133	66	25	institutions	institution	NOUN
amfbr-133	66	26	.	.	PUNCT
amfbr-133	67	1	this	this	PRON
amfbr-133	67	2	is	be	AUX
amfbr-133	67	3	because	because	SCONJ
amfbr-133	67	4	non	non	ADJ
amfbr-133	67	5	-	-	ADJ
amfbr-133	67	6	performing	perform	VERB
amfbr-133	67	7	loans	loan	NOUN
amfbr-133	67	8	can	can	AUX
amfbr-133	67	9	affect	affect	VERB
amfbr-133	67	10	the	the	DET
amfbr-133	67	11	ability	ability	NOUN
amfbr-133	67	12	of	of	ADP
amfbr-133	67	13	banks	bank	NOUN
amfbr-133	67	14	to	to	PART
amfbr-133	67	15	play	play	VERB
amfbr-133	67	16	their	their	PRON
amfbr-133	67	17	role	role	NOUN
amfbr-133	67	18	in	in	ADP
amfbr-133	67	19	the	the	DET
amfbr-133	67	20	development	development	NOUN
amfbr-133	67	21	of	of	ADP
amfbr-133	67	22	the	the	DET
amfbr-133	67	23	economy	economy	NOUN
amfbr-133	67	24	.	.	PUNCT
amfbr-133	68	1	a	a	DET
amfbr-133	68	2	case	case	NOUN
amfbr-133	68	3	study	study	NOUN
amfbr-133	68	4	research	research	NOUN
amfbr-133	68	5	design	design	NOUN
amfbr-133	68	6	of	of	ADP
amfbr-133	68	7	cbz	cbz	PROPN
amfbr-133	68	8	bank	bank	PROPN
amfbr-133	68	9	limited	limit	VERB
amfbr-133	68	10	was	be	AUX
amfbr-133	68	11	employed	employ	VERB
amfbr-133	68	12	.	.	PUNCT
amfbr-133	69	1	interviews	interview	NOUN
amfbr-133	69	2	and	and	CCONJ
amfbr-133	69	3	questionnaires	questionnaire	NOUN
amfbr-133	69	4	were	be	AUX
amfbr-133	69	5	used	use	VERB
amfbr-133	69	6	to	to	PART
amfbr-133	69	7	collect	collect	VERB
amfbr-133	69	8	data	datum	NOUN
amfbr-133	69	9	for	for	ADP
amfbr-133	69	10	the	the	DET
amfbr-133	69	11	study	study	NOUN
amfbr-133	69	12	.	.	PUNCT
amfbr-133	70	1	their	their	PRON
amfbr-133	70	2	study	study	NOUN
amfbr-133	70	3	revealed	reveal	VERB
amfbr-133	70	4	that	that	SCONJ
amfbr-133	70	5	external	external	ADJ
amfbr-133	70	6	factors	factor	NOUN
amfbr-133	70	7	are	be	AUX
amfbr-133	70	8	more	more	ADV
amfbr-133	70	9	prevalent	prevalent	ADJ
amfbr-133	70	10	in	in	ADP
amfbr-133	70	11	causing	cause	VERB
amfbr-133	70	12	non	non	ADJ
amfbr-133	70	13	-	-	ADJ
amfbr-133	70	14	performing	performing	ADJ
amfbr-133	70	15	loans	loan	NOUN
amfbr-133	70	16	in	in	ADP
amfbr-133	70	17	cbz	cbz	PROPN
amfbr-133	70	18	bank	bank	PROPN
amfbr-133	70	19	limited	limit	VERB
amfbr-133	70	20	.	.	PUNCT
amfbr-133	71	1	the	the	DET
amfbr-133	71	2	major	major	ADJ
amfbr-133	71	3	factors	factor	NOUN
amfbr-133	71	4	causing	cause	VERB
amfbr-133	71	5	nonperforming	nonperforming	ADJ
amfbr-133	71	6	loans	loan	NOUN
amfbr-133	71	7	were	be	AUX
amfbr-133	71	8	natural	natural	ADJ
amfbr-133	71	9	disasters	disaster	NOUN
amfbr-133	71	10	,	,	PUNCT
amfbr-133	71	11	government	government	NOUN
amfbr-133	71	12	policy	policy	NOUN
amfbr-133	71	13	and	and	CCONJ
amfbr-133	71	14	the	the	DET
amfbr-133	71	15	integrity	integrity	NOUN
amfbr-133	71	16	of	of	ADP
amfbr-133	71	17	the	the	DET
amfbr-133	71	18	borrower	borrower	NOUN
amfbr-133	71	19	.	.	PUNCT
amfbr-133	72	1	debarsh	debarsh	VERB
amfbr-133	72	2	and	and	CCONJ
amfbr-133	72	3	sukanya	sukanya	PROPN
amfbr-133	72	4	goyal	goyal	PROPN
amfbr-133	72	5	(	(	PUNCT
amfbr-133	72	6	2012	2012	NUM
amfbr-133	72	7	)	)	PUNCT
amfbr-133	72	8	emphasized	emphasize	VERB
amfbr-133	72	9	on	on	ADP
amfbr-133	72	10	management	management	NOUN
amfbr-133	72	11	of	of	ADP
amfbr-133	72	12	non	non	ADJ
amfbr-133	72	13	-	-	ADJ
amfbr-133	72	14	performing	perform	VERB
amfbr-133	72	15	assets	asset	NOUN
amfbr-133	72	16	in	in	ADP
amfbr-133	72	17	the	the	DET
amfbr-133	72	18	perspective	perspective	NOUN
amfbr-133	72	19	of	of	ADP
amfbr-133	72	20	the	the	DET
amfbr-133	72	21	public	public	ADJ
amfbr-133	72	22	sector	sector	NOUN
amfbr-133	72	23	banks	bank	NOUN
amfbr-133	72	24	in	in	ADP
amfbr-133	72	25	india	india	PROPN
amfbr-133	72	26	under	under	ADP
amfbr-133	72	27	strict	strict	ADJ
amfbr-133	72	28	asset	asset	NOUN
amfbr-133	72	29	classification	classification	NOUN
amfbr-133	72	30	norms	norm	NOUN
amfbr-133	72	31	,	,	PUNCT
amfbr-133	72	32	use	use	NOUN
amfbr-133	72	33	of	of	ADP
amfbr-133	72	34	latest	late	ADJ
amfbr-133	72	35	technological	technological	ADJ
amfbr-133	72	36	platform	platform	NOUN
amfbr-133	72	37	based	base	VERB
amfbr-133	72	38	on	on	ADP
amfbr-133	72	39	core	core	NOUN
amfbr-133	72	40	banking	banking	NOUN
amfbr-133	72	41	solution	solution	NOUN
amfbr-133	72	42	,	,	PUNCT
amfbr-133	72	43	recovery	recovery	NOUN
amfbr-133	72	44	procedures	procedure	NOUN
amfbr-133	72	45	and	and	CCONJ
amfbr-133	72	46	other	other	ADJ
amfbr-133	72	47	bank	bank	NOUN
amfbr-133	72	48	specific	specific	ADJ
amfbr-133	72	49	indicators	indicator	NOUN
amfbr-133	72	50	in	in	ADP
amfbr-133	72	51	the	the	DET
amfbr-133	72	52	context	context	NOUN
amfbr-133	72	53	of	of	ADP
amfbr-133	72	54	stringent	stringent	ADJ
amfbr-133	72	55	regulatory	regulatory	ADJ
amfbr-133	72	56	framework	framework	NOUN
amfbr-133	72	57	of	of	ADP
amfbr-133	72	58	the	the	DET
amfbr-133	72	59	rbi	rbi	NOUN
amfbr-133	72	60	.	.	PUNCT
amfbr-133	73	1	non	non	ADJ
amfbr-133	73	2	-	-	ADJ
amfbr-133	73	3	performing	perform	VERB
amfbr-133	73	4	asset	asset	NOUN
amfbr-133	73	5	is	be	AUX
amfbr-133	73	6	an	an	DET
amfbr-133	73	7	important	important	ADJ
amfbr-133	73	8	parameter	parameter	NOUN
amfbr-133	73	9	in	in	ADP
amfbr-133	73	10	the	the	DET
amfbr-133	73	11	analysis	analysis	NOUN
amfbr-133	73	12	of	of	ADP
amfbr-133	73	13	financial	financial	ADJ
amfbr-133	73	14	performance	performance	NOUN
amfbr-133	73	15	of	of	ADP
amfbr-133	73	16	a	a	DET
amfbr-133	73	17	bank	bank	NOUN
amfbr-133	73	18	asit	asit	NOUN
amfbr-133	73	19	results	result	VERB
amfbr-133	73	20	in	in	ADP
amfbr-133	73	21	decreasing	decrease	VERB
amfbr-133	73	22	margin	margin	NOUN
amfbr-133	73	23	and	and	CCONJ
amfbr-133	73	24	higher	high	ADJ
amfbr-133	73	25	provisioning	provisioning	NOUN
amfbr-133	73	26	requirements	requirement	NOUN
amfbr-133	73	27	for	for	ADP
amfbr-133	73	28	doubtful	doubtful	ADJ
amfbr-133	73	29	debts	debt	NOUN
amfbr-133	73	30	.	.	PUNCT
amfbr-133	74	1	the	the	DET
amfbr-133	74	2	reduction	reduction	NOUN
amfbr-133	74	3	of	of	ADP
amfbr-133	74	4	non	non	ADJ
amfbr-133	74	5	-	-	ADJ
amfbr-133	74	6	per	per	ADP
amfbr-133	74	7	-	-	PUNCT
amfbr-133	74	8	forming	form	VERB
amfbr-133	74	9	asset	asset	NOUN
amfbr-133	74	10	is	be	AUX
amfbr-133	74	11	necessary	necessary	ADJ
amfbr-133	74	12	to	to	PART
amfbr-133	74	13	improve	improve	VERB
amfbr-133	74	14	profitability	profitability	NOUN
amfbr-133	74	15	of	of	ADP
amfbr-133	74	16	banks	bank	NOUN
amfbr-133	74	17	and	and	CCONJ
amfbr-133	74	18	comply	comply	VERB
amfbr-133	74	19	with	with	ADP
amfbr-133	74	20	the	the	DET
amfbr-133	74	21	capital	capital	NOUN
amfbr-133	74	22	adequacy	adequacy	NOUN
amfbr-133	74	23	norms	norm	NOUN
amfbr-133	74	24	as	as	ADP
amfbr-133	74	25	per	per	ADP
amfbr-133	74	26	the	the	DET
amfbr-133	74	27	basel	basel	PROPN
amfbr-133	74	28	accord.3	accord.3	PROPN
amfbr-133	74	29	kavitha	kavitha	PROPN
amfbr-133	74	30	.	.	PUNCT
amfbr-133	75	1	n	n	PROPN
amfbr-133	75	2	(	(	PUNCT
amfbr-133	75	3	2012	2012	NUM
amfbr-133	75	4	)	)	PUNCT
amfbr-133	75	5	,	,	PUNCT
amfbr-133	75	6	tried	try	VERB
amfbr-133	75	7	to	to	PART
amfbr-133	75	8	have	have	VERB
amfbr-133	75	9	an	an	DET
amfbr-133	75	10	assessment	assessment	NOUN
amfbr-133	75	11	of	of	ADP
amfbr-133	75	12	non	non	ADJ
amfbr-133	75	13	-	-	ADJ
amfbr-133	75	14	performing	perform	VERB
amfbr-133	75	15	assets	asset	NOUN
amfbr-133	75	16	on	on	ADP
amfbr-133	75	17	profitability	profitability	NOUN
amfbr-133	75	18	its	its	PRON
amfbr-133	75	19	magnitude	magnitude	NOUN
amfbr-133	75	20	and	and	CCONJ
amfbr-133	75	21	impact	impact	NOUN
amfbr-133	75	22	.	.	PUNCT
amfbr-133	76	1	credit	credit	NOUN
amfbr-133	76	2	of	of	ADP
amfbr-133	76	3	total	total	ADJ
amfbr-133	76	4	advances	advance	NOUN
amfbr-133	76	5	was	be	AUX
amfbr-133	76	6	in	in	ADP
amfbr-133	76	7	the	the	DET
amfbr-133	76	8	form	form	NOUN
amfbr-133	76	9	of	of	ADP
amfbr-133	76	10	doubtful	doubtful	ADJ
amfbr-133	76	11	assets	asset	NOUN
amfbr-133	76	12	in	in	ADP
amfbr-133	76	13	the	the	DET
amfbr-133	76	14	past	past	NOUN
amfbr-133	76	15	and	and	CCONJ
amfbr-133	76	16	has	have	VERB
amfbr-133	76	17	an	an	DET
amfbr-133	76	18	adverse	adverse	ADJ
amfbr-133	76	19	impact	impact	NOUN
amfbr-133	76	20	on	on	ADP
amfbr-133	76	21	profitability	profitability	NOUN
amfbr-133	76	22	of	of	ADP
amfbr-133	76	23	all	all	DET
amfbr-133	76	24	public	public	ADJ
amfbr-133	76	25	sector	sector	NOUN
amfbr-133	76	26	banks	bank	NOUN
amfbr-133	76	27	affected	affect	VERB
amfbr-133	76	28	at	at	ADP
amfbr-133	76	29	very	very	ADV
amfbr-133	76	30	large	large	ADJ
amfbr-133	76	31	extent	extent	NOUN
amfbr-133	76	32	when	when	SCONJ
amfbr-133	76	33	non	non	ADJ
amfbr-133	76	34	-	-	ADJ
amfbr-133	76	35	performing	perform	VERB
amfbr-133	76	36	assets	asset	NOUN
amfbr-133	76	37	work	work	VERB
amfbr-133	76	38	with	with	ADP
amfbr-133	76	39	other	other	ADJ
amfbr-133	76	40	banking	banking	NOUN
amfbr-133	76	41	and	and	CCONJ
amfbr-133	76	42	also	also	ADV
amfbr-133	76	43	affect	affect	VERB
amfbr-133	76	44	productivity	productivity	NOUN
amfbr-133	76	45	and	and	CCONJ
amfbr-133	76	46	efficiency	efficiency	NOUN
amfbr-133	76	47	of	of	ADP
amfbr-133	76	48	the	the	DET
amfbr-133	76	49	banking	banking	NOUN
amfbr-133	76	50	groups	group	NOUN
amfbr-133	76	51	.	.	PUNCT
amfbr-133	77	1	the	the	DET
amfbr-133	77	2	study	study	NOUN
amfbr-133	77	3	observed	observe	VERB
amfbr-133	77	4	that	that	SCONJ
amfbr-133	77	5	there	there	PRON
amfbr-133	77	6	is	be	VERB
amfbr-133	77	7	increase	increase	NOUN
amfbr-133	77	8	in	in	ADP
amfbr-133	77	9	advances	advance	NOUN
amfbr-133	77	10	over	over	ADP
amfbr-133	77	11	the	the	DET
amfbr-133	77	12	period	period	NOUN
amfbr-133	77	13	of	of	ADP
amfbr-133	77	14	the	the	DET
amfbr-133	77	15	study	study	NOUN
amfbr-133	77	16	.	.	PUNCT
amfbr-133	78	1	3	3	X
amfbr-133	78	2	.	.	X
amfbr-133	78	3	objectives	objective	NOUN
amfbr-133	78	4	of	of	ADP
amfbr-133	78	5	the	the	DET
amfbr-133	78	6	study	study	NOUN
amfbr-133	78	7			PUNCT
amfbr-133	78	8	to	to	PART
amfbr-133	78	9	study	study	VERB
amfbr-133	78	10	the	the	DET
amfbr-133	78	11	concept	concept	NOUN
amfbr-133	78	12	on	on	ADP
amfbr-133	78	13	nonperforming	nonperforme	VERB
amfbr-133	78	14	assets	asset	NOUN
amfbr-133	78	15	and	and	CCONJ
amfbr-133	78	16	its	its	PRON
amfbr-133	78	17	relevance	relevance	NOUN
amfbr-133	78	18	in	in	ADP
amfbr-133	78	19	the	the	DET
amfbr-133	78	20	banking	banking	NOUN
amfbr-133	78	21	sector	sector	NOUN
amfbr-133	78	22			VERB
amfbr-133	78	23	to	to	PART
amfbr-133	78	24	identify	identify	VERB
amfbr-133	78	25	the	the	DET
amfbr-133	78	26	loan	loan	NOUN
amfbr-133	78	27	/	/	SYM
amfbr-133	78	28	bank	bank	PROPN
amfbr-133	78	29	based	base	VERB
amfbr-133	78	30	components	component	NOUN
amfbr-133	78	31	that	that	PRON
amfbr-133	78	32	contribute	contribute	VERB
amfbr-133	78	33	to	to	ADP
amfbr-133	78	34	npa	npa	PROPN
amfbr-133	78	35	.	.	PROPN
amfbr-133	79	1	4	4	NUM
amfbr-133	79	2	.	.	X
amfbr-133	79	3	formulation	formulation	NOUN
amfbr-133	79	4	of	of	ADP
amfbr-133	79	5	hypothesis	hypothesis	NOUN
amfbr-133	79	6	hypothesis	hypothesis	NOUN
amfbr-133	79	7	i	i	PRON
amfbr-133	79	8	:	:	PUNCT
amfbr-133	79	9	“	"	PUNCT
amfbr-133	79	10	there	there	PRON
amfbr-133	79	11	is	be	VERB
amfbr-133	79	12	a	a	DET
amfbr-133	79	13	significant	significant	ADJ
amfbr-133	79	14	difference	difference	NOUN
amfbr-133	79	15	between	between	ADP
amfbr-133	79	16	the	the	DET
amfbr-133	79	17	importances	importance	NOUN
amfbr-133	79	18	of	of	ADP
amfbr-133	79	19	bank	bank	NOUN
amfbr-133	79	20	based	base	VERB
amfbr-133	79	21	internal	internal	ADJ
amfbr-133	79	22	components	component	NOUN
amfbr-133	79	23	that	that	PRON
amfbr-133	79	24	contribute	contribute	VERB
amfbr-133	79	25	to	to	ADP
amfbr-133	79	26	npa	npa	PROPN
amfbr-133	79	27	.	.	PUNCT
amfbr-133	80	1	hypothesis	hypothesis	PROPN
amfbr-133	80	2	ii	ii	PROPN
amfbr-133	80	3	:	:	PUNCT
amfbr-133	80	4	“	"	PUNCT
amfbr-133	80	5	there	there	PRON
amfbr-133	80	6	is	be	VERB
amfbr-133	80	7	a	a	DET
amfbr-133	80	8	significant	significant	ADJ
amfbr-133	80	9	difference	difference	NOUN
amfbr-133	80	10	between	between	ADP
amfbr-133	80	11	the	the	DET
amfbr-133	80	12	importances	importance	NOUN
amfbr-133	80	13	of	of	ADP
amfbr-133	80	14	bank	bank	NOUN
amfbr-133	80	15	based	base	VERB
amfbr-133	80	16	external	external	ADJ
amfbr-133	80	17	components	component	NOUN
amfbr-133	80	18	that	that	PRON
amfbr-133	80	19	contribute	contribute	VERB
amfbr-133	80	20	to	to	ADP
amfbr-133	80	21	npa	npa	NOUN
amfbr-133	80	22	”	"	PUNCT
amfbr-133	80	23	.	.	PUNCT
amfbr-133	81	1	5	5	X
amfbr-133	81	2	.	.	X
amfbr-133	81	3	methodology	methodology	NOUN
amfbr-133	81	4	in	in	ADP
amfbr-133	81	5	order	order	NOUN
amfbr-133	81	6	to	to	PART
amfbr-133	81	7	achieve	achieve	VERB
amfbr-133	81	8	the	the	DET
amfbr-133	81	9	objective	objective	NOUN
amfbr-133	81	10	of	of	ADP
amfbr-133	81	11	the	the	DET
amfbr-133	81	12	study	study	NOUN
amfbr-133	81	13	an	an	DET
amfbr-133	81	14	appropriate	appropriate	ADJ
amfbr-133	81	15	methodology	methodology	NOUN
amfbr-133	81	16	has	have	AUX
amfbr-133	81	17	been	be	AUX
amfbr-133	81	18	adopted	adopt	VERB
amfbr-133	81	19	.	.	PUNCT
amfbr-133	82	1	research	research	NOUN
amfbr-133	82	2	done	do	VERB
amfbr-133	82	3	is	be	AUX
amfbr-133	82	4	descriptive	descriptive	ADJ
amfbr-133	82	5	in	in	ADP
amfbr-133	82	6	nature	nature	NOUN
amfbr-133	82	7	.	.	PUNCT
amfbr-133	83	1	source	source	NOUN
amfbr-133	83	2	of	of	ADP
amfbr-133	83	3	data	datum	NOUN
amfbr-133	83	4	the	the	DET
amfbr-133	83	5	present	present	ADJ
amfbr-133	83	6	study	study	NOUN
amfbr-133	83	7	is	be	AUX
amfbr-133	83	8	mainly	mainly	ADV
amfbr-133	83	9	based	base	VERB
amfbr-133	83	10	on	on	ADP
amfbr-133	83	11	secondary	secondary	ADJ
amfbr-133	83	12	data	datum	NOUN
amfbr-133	83	13	.	.	PUNCT
amfbr-133	84	1	the	the	DET
amfbr-133	84	2	data	datum	NOUN
amfbr-133	84	3	is	be	AUX
amfbr-133	84	4	taken	take	VERB
amfbr-133	84	5	from	from	ADP
amfbr-133	84	6	the	the	DET
amfbr-133	84	7	ph.d	ph.d	PROPN
amfbr-133	84	8	thesis	thesis	NOUN
amfbr-133	84	9	titled	title	VERB
amfbr-133	84	10	“	"	PUNCT
amfbr-133	84	11	a	a	DET
amfbr-133	84	12	study	study	NOUN
amfbr-133	84	13	on	on	ADP
amfbr-133	84	14	handling	handle	VERB
amfbr-133	84	15	non	non	ADJ
amfbr-133	84	16	-	-	ADJ
amfbr-133	84	17	performing	perform	VERB
amfbr-133	84	18	assets	asset	NOUN
amfbr-133	84	19	with	with	ADP
amfbr-133	84	20	special	special	ADJ
amfbr-133	84	21	reference	reference	NOUN
amfbr-133	84	22	to	to	ADP
amfbr-133	84	23	public	public	ADJ
amfbr-133	84	24	sector	sector	NOUN
amfbr-133	84	25	banks	bank	NOUN
amfbr-133	84	26	in	in	ADP
amfbr-133	84	27	kanyakumari	kanyakumari	PROPN
amfbr-133	84	28	district	district	PROPN
amfbr-133	84	29	”	"	PUNCT
amfbr-133	84	30	.	.	PUNCT
amfbr-133	85	1	statistical	statistical	ADJ
amfbr-133	85	2	tools	tool	NOUN
amfbr-133	85	3	used	use	VERB
amfbr-133	85	4	friedman	friedman	PROPN
amfbr-133	85	5	test	test	NOUN
amfbr-133	85	6	:	:	PUNCT
amfbr-133	85	7	the	the	DET
amfbr-133	85	8	friedman	friedman	PROPN
amfbr-133	85	9	test	test	NOUN
amfbr-133	85	10	is	be	AUX
amfbr-133	85	11	a	a	DET
amfbr-133	85	12	non	non	ADJ
amfbr-133	85	13	-	-	ADJ
amfbr-133	85	14	parametric	parametric	ADJ
amfbr-133	85	15	test	test	NOUN
amfbr-133	85	16	.	.	PUNCT
amfbr-133	86	1	it	it	PRON
amfbr-133	86	2	is	be	AUX
amfbr-133	86	3	used	use	VERB
amfbr-133	86	4	to	to	PART
amfbr-133	86	5	test	test	VERB
amfbr-133	86	6	for	for	ADP
amfbr-133	86	7	differences	difference	NOUN
amfbr-133	86	8	between	between	ADP
amfbr-133	86	9	groups	group	NOUN
amfbr-133	86	10	when	when	SCONJ
amfbr-133	86	11	the	the	DET
amfbr-133	86	12	dependent	dependent	ADJ
amfbr-133	86	13	variable	variable	NOUN
amfbr-133	86	14	being	be	AUX
amfbr-133	86	15	measured	measure	VERB
amfbr-133	86	16	is	be	AUX
amfbr-133	86	17	ordinal	ordinal	ADJ
amfbr-133	86	18	.	.	PUNCT
amfbr-133	87	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-133	88	1	american	american	PROPN
amfbr-133	88	2	finance	finance	PROPN
amfbr-133	88	3	&	&	CCONJ
amfbr-133	88	4	banking	banking	PROPN
amfbr-133	88	5	review	review	PROPN
amfbr-133	88	6	vol	vol	NOUN
amfbr-133	88	7	.	.	PROPN
amfbr-133	89	1	2	2	NUM
amfbr-133	89	2	,	,	PUNCT
amfbr-133	89	3	no	no	INTJ
amfbr-133	89	4	.	.	NOUN
amfbr-133	89	5	2	2	NUM
amfbr-133	89	6	;	;	PUNCT
amfbr-133	89	7	2018	2018	NUM
amfbr-133	89	8	17	17	NUM
amfbr-133	89	9	6	6	NUM
amfbr-133	89	10	.	.	PUNCT
amfbr-133	90	1	data	datum	NOUN
amfbr-133	90	2	analysis	analysis	NOUN
amfbr-133	90	3	&	&	CCONJ
amfbr-133	90	4	interpretation	interpretation	NOUN
amfbr-133	90	5	mean	mean	VERB
amfbr-133	90	6	and	and	CCONJ
amfbr-133	90	7	sd	sd	NOUN
amfbr-133	90	8	of	of	ADP
amfbr-133	90	9	bank	bank	NOUN
amfbr-133	90	10	based	base	VERB
amfbr-133	90	11	internal	internal	ADJ
amfbr-133	90	12	components	component	NOUN
amfbr-133	90	13	that	that	PRON
amfbr-133	90	14	contribute	contribute	VERB
amfbr-133	90	15	to	to	ADP
amfbr-133	90	16	npa	npa	NOUN
amfbr-133	90	17	table	table	NOUN
amfbr-133	90	18	1	1	NUM
amfbr-133	90	19	.	.	PUNCT
amfbr-133	91	1	mean	mean	VERB
amfbr-133	91	2	and	and	CCONJ
amfbr-133	91	3	sd	sd	NOUN
amfbr-133	91	4	of	of	ADP
amfbr-133	91	5	bank	bank	NOUN
amfbr-133	91	6	based	base	VERB
amfbr-133	91	7	internal	internal	ADJ
amfbr-133	91	8	components	component	NOUN
amfbr-133	91	9	that	that	PRON
amfbr-133	91	10	contribute	contribute	VERB
amfbr-133	91	11	to	to	ADP
amfbr-133	91	12	npa	npa	PROPN
amfbr-133	91	13	sl	sl	NOUN
amfbr-133	91	14	.	.	PUNCT
amfbr-133	92	1	no	no	PRON
amfbr-133	92	2	.	.	PUNCT
amfbr-133	93	1	importance	importance	NOUN
amfbr-133	93	2	to	to	ADP
amfbr-133	93	3	the	the	DET
amfbr-133	93	4	bank	bank	NOUN
amfbr-133	93	5	based	base	VERB
amfbr-133	93	6	internal	internal	ADJ
amfbr-133	93	7	components	component	NOUN
amfbr-133	93	8	that	that	PRON
amfbr-133	93	9	contribute	contribute	VERB
amfbr-133	93	10	to	to	ADP
amfbr-133	93	11	npa	npa	NOUN
amfbr-133	93	12	mean	mean	NOUN
amfbr-133	93	13	std	std	PROPN
amfbr-133	93	14	.	.	PUNCT
amfbr-133	94	1	deviation	deviation	NOUN
amfbr-133	94	2	1	1	NUM
amfbr-133	94	3	improper	improper	ADJ
amfbr-133	94	4	selection	selection	NOUN
amfbr-133	94	5	of	of	ADP
amfbr-133	94	6	borrowers	borrower	NOUN
amfbr-133	94	7	2.18	2.18	NUM
amfbr-133	94	8	0.872	0.872	NUM
amfbr-133	94	9	2	2	NUM
amfbr-133	94	10	deficiency	deficiency	NOUN
amfbr-133	94	11	in	in	ADP
amfbr-133	94	12	processing	process	VERB
amfbr-133	94	13	2.00	2.00	NUM
amfbr-133	94	14	0.886	0.886	NUM
amfbr-133	94	15	3	3	NUM
amfbr-133	94	16	improper	improper	ADJ
amfbr-133	94	17	appraisal	appraisal	NOUN
amfbr-133	94	18	of	of	ADP
amfbr-133	94	19	assets	asset	NOUN
amfbr-133	94	20	2.10	2.10	NUM
amfbr-133	94	21	0.834	0.834	NUM
amfbr-133	94	22	4	4	NUM
amfbr-133	94	23	lack	lack	NOUN
amfbr-133	94	24	of	of	ADP
amfbr-133	94	25	monitoring	monitor	VERB
amfbr-133	94	26	pre	pre	ADJ
amfbr-133	94	27	and	and	CCONJ
amfbr-133	94	28	post	post	VERB
amfbr-133	94	29	sanction	sanction	NOUN
amfbr-133	94	30	of	of	ADP
amfbr-133	94	31	loan	loan	NOUN
amfbr-133	94	32	2.57	2.57	NUM
amfbr-133	94	33	0.680	0.680	NUM
amfbr-133	94	34	5	5	NUM
amfbr-133	94	35	terms	term	NOUN
amfbr-133	94	36	and	and	CCONJ
amfbr-133	94	37	conditions	condition	NOUN
amfbr-133	94	38	of	of	ADP
amfbr-133	94	39	credit	credit	NOUN
amfbr-133	94	40	1.59	1.59	NUM
amfbr-133	94	41	0.494	0.494	NUM
amfbr-133	94	42	6	6	NUM
amfbr-133	94	43	unsecured	unsecured	ADJ
amfbr-133	94	44	loans	loan	NOUN
amfbr-133	94	45	2.42	2.42	NUM
amfbr-133	94	46	0.665	0.665	NUM
amfbr-133	94	47	source	source	NOUN
amfbr-133	94	48	:	:	PUNCT
amfbr-133	94	49	primary	primary	ADJ
amfbr-133	94	50	data	datum	NOUN
amfbr-133	94	51	inference	inference	PROPN
amfbr-133	94	52	:	:	PUNCT
amfbr-133	94	53	from	from	ADP
amfbr-133	94	54	the	the	DET
amfbr-133	94	55	above	above	ADJ
amfbr-133	94	56	table	table	NOUN
amfbr-133	94	57	,	,	PUNCT
amfbr-133	94	58	lack	lack	NOUN
amfbr-133	94	59	of	of	ADP
amfbr-133	94	60	monitoring	monitor	VERB
amfbr-133	94	61	pre	pre	ADJ
amfbr-133	94	62	and	and	CCONJ
amfbr-133	94	63	post	post	VERB
amfbr-133	94	64	sanction	sanction	NOUN
amfbr-133	94	65	of	of	ADP
amfbr-133	94	66	loan	loan	NOUN
amfbr-133	94	67	has	have	VERB
amfbr-133	94	68	the	the	DET
amfbr-133	94	69	highest	high	ADJ
amfbr-133	94	70	mean	mean	NOUN
amfbr-133	94	71	followed	follow	VERB
amfbr-133	94	72	by	by	ADP
amfbr-133	94	73	unsecured	unsecured	ADJ
amfbr-133	94	74	loans	loan	NOUN
amfbr-133	94	75	,	,	PUNCT
amfbr-133	94	76	improper	improper	ADJ
amfbr-133	94	77	selection	selection	NOUN
amfbr-133	94	78	of	of	ADP
amfbr-133	94	79	borrowers	borrower	NOUN
amfbr-133	94	80	,	,	PUNCT
amfbr-133	94	81	improper	improper	ADJ
amfbr-133	94	82	appraisal	appraisal	NOUN
amfbr-133	94	83	of	of	ADP
amfbr-133	94	84	assets	asset	NOUN
amfbr-133	94	85	,	,	PUNCT
amfbr-133	94	86	deficiency	deficiency	NOUN
amfbr-133	94	87	in	in	ADP
amfbr-133	94	88	processing	processing	NOUN
amfbr-133	94	89	and	and	CCONJ
amfbr-133	94	90	terms	term	NOUN
amfbr-133	94	91	and	and	CCONJ
amfbr-133	94	92	conditions	condition	NOUN
amfbr-133	94	93	of	of	ADP
amfbr-133	94	94	credit	credit	NOUN
amfbr-133	94	95	.	.	PUNCT
amfbr-133	95	1	highest	high	ADJ
amfbr-133	95	2	standard	standard	ADJ
amfbr-133	95	3	deviation	deviation	NOUN
amfbr-133	95	4	of	of	ADP
amfbr-133	95	5	deficiency	deficiency	NOUN
amfbr-133	95	6	in	in	ADP
amfbr-133	95	7	processing	processing	NOUN
amfbr-133	95	8	shows	show	VERB
amfbr-133	95	9	low	low	ADJ
amfbr-133	95	10	focus	focus	NOUN
amfbr-133	95	11	on	on	ADP
amfbr-133	95	12	the	the	DET
amfbr-133	95	13	particular	particular	ADJ
amfbr-133	95	14	internal	internal	ADJ
amfbr-133	95	15	components	component	NOUN
amfbr-133	95	16	that	that	PRON
amfbr-133	95	17	contribute	contribute	VERB
amfbr-133	95	18	to	to	ADP
amfbr-133	95	19	npa	npa	PROPN
amfbr-133	95	20	.	.	PUNCT
amfbr-133	96	1	mean	mean	VERB
amfbr-133	96	2	and	and	CCONJ
amfbr-133	96	3	sd	sd	NOUN
amfbr-133	96	4	of	of	ADP
amfbr-133	96	5	bank	bank	NOUN
amfbr-133	96	6	based	base	VERB
amfbr-133	96	7	external	external	ADJ
amfbr-133	96	8	components	component	NOUN
amfbr-133	96	9	that	that	PRON
amfbr-133	96	10	contribute	contribute	VERB
amfbr-133	96	11	to	to	ADP
amfbr-133	96	12	npa	npa	NOUN
amfbr-133	96	13	table	table	NOUN
amfbr-133	96	14	2	2	NUM
amfbr-133	96	15	.	.	PUNCT
amfbr-133	97	1	mean	mean	VERB
amfbr-133	97	2	and	and	CCONJ
amfbr-133	97	3	sd	sd	NOUN
amfbr-133	97	4	of	of	ADP
amfbr-133	97	5	bank	bank	NOUN
amfbr-133	97	6	based	base	VERB
amfbr-133	97	7	external	external	ADJ
amfbr-133	97	8	components	component	NOUN
amfbr-133	97	9	that	that	PRON
amfbr-133	97	10	contribute	contribute	VERB
amfbr-133	97	11	to	to	ADP
amfbr-133	97	12	npa	npa	PROPN
amfbr-133	97	13	sl	sl	NOUN
amfbr-133	97	14	.	.	PUNCT
amfbr-133	98	1	no	no	PRON
amfbr-133	98	2	.	.	PUNCT
amfbr-133	99	1	importance	importance	NOUN
amfbr-133	99	2	to	to	ADP
amfbr-133	99	3	the	the	DET
amfbr-133	99	4	bank	bank	NOUN
amfbr-133	99	5	based	base	VERB
amfbr-133	99	6	external	external	ADJ
amfbr-133	99	7	components	component	NOUN
amfbr-133	99	8	that	that	PRON
amfbr-133	99	9	contribute	contribute	VERB
amfbr-133	99	10	to	to	ADP
amfbr-133	99	11	npa	npa	NOUN
amfbr-133	99	12	mean	mean	NOUN
amfbr-133	100	1	std	std	PROPN
amfbr-133	100	2	.	.	PUNCT
amfbr-133	101	1	deviation	deviation	NOUN
amfbr-133	101	2	1	1	NUM
amfbr-133	101	3	selection	selection	NOUN
amfbr-133	101	4	of	of	ADP
amfbr-133	101	5	unsuitable	unsuitable	ADJ
amfbr-133	101	6	and	and	CCONJ
amfbr-133	101	7	unviable	unviable	ADJ
amfbr-133	101	8	scheme	scheme	NOUN
amfbr-133	101	9	2.12	2.12	NUM
amfbr-133	101	10	0.832	0.832	NUM
amfbr-133	101	11	2	2	NUM
amfbr-133	101	12	mis	mi	NOUN
amfbr-133	101	13	-	-	PUNCT
amfbr-133	101	14	utilization	utilization	NOUN
amfbr-133	101	15	of	of	ADP
amfbr-133	101	16	fund	fund	NOUN
amfbr-133	101	17	2.59	2.59	NUM
amfbr-133	101	18	0.678	0.678	NUM
amfbr-133	101	19	3	3	NUM
amfbr-133	101	20	insolvency	insolvency	NOUN
amfbr-133	101	21	or	or	CCONJ
amfbr-133	101	22	death	death	NOUN
amfbr-133	101	23	of	of	ADP
amfbr-133	101	24	borrower	borrower	NOUN
amfbr-133	101	25	1.32	1.32	NUM
amfbr-133	101	26	0.645	0.645	NUM
amfbr-133	101	27	4	4	NUM
amfbr-133	101	28	low	low	ADJ
amfbr-133	101	29	income	income	NOUN
amfbr-133	101	30	from	from	ADP
amfbr-133	101	31	project	project	NOUN
amfbr-133	101	32	2.01	2.01	NUM
amfbr-133	101	33	0.649	0.649	NUM
amfbr-133	101	34	5	5	NUM
amfbr-133	101	35	lack	lack	NOUN
amfbr-133	101	36	of	of	ADP
amfbr-133	101	37	infrastructure	infrastructure	NOUN
amfbr-133	101	38	,	,	PUNCT
amfbr-133	101	39	modern	modern	ADJ
amfbr-133	101	40	technology	technology	NOUN
amfbr-133	101	41	and	and	CCONJ
amfbr-133	101	42	marketing	marketing	NOUN
amfbr-133	101	43	facilities	facility	NOUN
amfbr-133	101	44	1.33	1.33	NUM
amfbr-133	101	45	0.493	0.493	NUM
amfbr-133	101	46	6	6	NUM
amfbr-133	101	47	political	political	ADJ
amfbr-133	101	48	interference	interference	NOUN
amfbr-133	101	49	and	and	CCONJ
amfbr-133	101	50	labor	labor	NOUN
amfbr-133	101	51	unrest	unrest	NOUN
amfbr-133	101	52	2.40	2.40	NUM
amfbr-133	101	53	0.662	0.662	NUM
amfbr-133	101	54	7	7	NUM
amfbr-133	101	55	willful	willful	ADJ
amfbr-133	101	56	default	default	NOUN
amfbr-133	101	57	due	due	ADP
amfbr-133	101	58	to	to	ADP
amfbr-133	101	59	liberal	liberal	ADJ
amfbr-133	101	60	government	government	NOUN
amfbr-133	101	61	policy	policy	NOUN
amfbr-133	101	62	and	and	CCONJ
amfbr-133	101	63	expectation	expectation	NOUN
amfbr-133	101	64	of	of	ADP
amfbr-133	101	65	debt	debt	NOUN
amfbr-133	101	66	relief	relief	NOUN
amfbr-133	101	67	2.42	2.42	NUM
amfbr-133	101	68	0.799	0.799	NUM
amfbr-133	101	69	8	8	NUM
amfbr-133	101	70	sluggish	sluggish	ADJ
amfbr-133	101	71	legal	legal	ADJ
amfbr-133	101	72	system	system	NOUN
amfbr-133	101	73	1.62	1.62	NUM
amfbr-133	101	74	0.673	0.673	NUM
amfbr-133	101	75	9	9	NUM
amfbr-133	101	76	price	price	NOUN
amfbr-133	101	77	escalation	escalation	NOUN
amfbr-133	101	78	of	of	ADP
amfbr-133	101	79	inputs	input	NOUN
amfbr-133	101	80	1.81	1.81	NUM
amfbr-133	101	81	0.755	0.755	NUM
amfbr-133	101	82	10	10	NUM
amfbr-133	101	83	power	power	NOUN
amfbr-133	101	84	failures	failure	NOUN
amfbr-133	101	85	1.99	1.99	NUM
amfbr-133	101	86	0.891	0.891	NUM
amfbr-133	101	87	source	source	NOUN
amfbr-133	101	88	:	:	PUNCT
amfbr-133	101	89	questionnaire	questionnaire	NOUN
amfbr-133	101	90	inference	inference	NOUN
amfbr-133	101	91	:	:	PUNCT
amfbr-133	101	92	from	from	ADP
amfbr-133	101	93	the	the	DET
amfbr-133	101	94	above	above	ADJ
amfbr-133	101	95	table	table	NOUN
amfbr-133	101	96	,	,	PUNCT
amfbr-133	101	97	mis	mi	NOUN
amfbr-133	101	98	-	-	PUNCT
amfbr-133	101	99	utilization	utilization	NOUN
amfbr-133	101	100	of	of	ADP
amfbr-133	101	101	fund	fund	NOUN
amfbr-133	101	102	has	have	VERB
amfbr-133	101	103	the	the	DET
amfbr-133	101	104	highest	high	ADJ
amfbr-133	101	105	mean	mean	NOUN
amfbr-133	101	106	followed	follow	VERB
amfbr-133	101	107	by	by	ADP
amfbr-133	101	108	willful	willful	ADJ
amfbr-133	101	109	default	default	NOUN
amfbr-133	101	110	due	due	ADP
amfbr-133	101	111	to	to	ADP
amfbr-133	101	112	liberal	liberal	ADJ
amfbr-133	101	113	government	government	NOUN
amfbr-133	101	114	policy	policy	NOUN
amfbr-133	101	115	,	,	PUNCT
amfbr-133	101	116	political	political	ADJ
amfbr-133	101	117	interference	interference	NOUN
amfbr-133	101	118	and	and	CCONJ
amfbr-133	101	119	labor	labor	NOUN
amfbr-133	101	120	unrest	unrest	NOUN
amfbr-133	101	121	,	,	PUNCT
amfbr-133	101	122	selection	selection	NOUN
amfbr-133	101	123	of	of	ADP
amfbr-133	101	124	unsuitable	unsuitable	ADJ
amfbr-133	101	125	and	and	CCONJ
amfbr-133	101	126	unviable	unviable	ADJ
amfbr-133	101	127	scheme	scheme	NOUN
amfbr-133	101	128	,	,	PUNCT
amfbr-133	101	129	low	low	ADJ
amfbr-133	101	130	income	income	NOUN
amfbr-133	101	131	from	from	ADP
amfbr-133	101	132	project	project	NOUN
amfbr-133	101	133	,	,	PUNCT
amfbr-133	101	134	power	power	NOUN
amfbr-133	101	135	failures	failure	NOUN
amfbr-133	101	136	,	,	PUNCT
amfbr-133	101	137	price	price	NOUN
amfbr-133	101	138	escalation	escalation	NOUN
amfbr-133	101	139	of	of	ADP
amfbr-133	101	140	inputs	input	NOUN
amfbr-133	101	141	,	,	PUNCT
amfbr-133	101	142	sluggish	sluggish	ADJ
amfbr-133	101	143	legal	legal	ADJ
amfbr-133	101	144	system	system	NOUN
amfbr-133	101	145	,	,	PUNCT
amfbr-133	101	146	lack	lack	NOUN
amfbr-133	101	147	of	of	ADP
amfbr-133	101	148	infrastructure	infrastructure	NOUN
amfbr-133	101	149	,	,	PUNCT
amfbr-133	101	150	modern	modern	ADJ
amfbr-133	101	151	technology	technology	NOUN
amfbr-133	101	152	and	and	CCONJ
amfbr-133	101	153	marketing	marketing	NOUN
amfbr-133	101	154	facilities	facility	NOUN
amfbr-133	101	155	,	,	PUNCT
amfbr-133	101	156	insolvency	insolvency	NOUN
amfbr-133	101	157	or	or	CCONJ
amfbr-133	101	158	death	death	NOUN
amfbr-133	101	159	of	of	ADP
amfbr-133	101	160	borrower	borrower	NOUN
amfbr-133	101	161	.	.	PUNCT
amfbr-133	102	1	highest	high	ADJ
amfbr-133	102	2	standard	standard	ADJ
amfbr-133	102	3	deviation	deviation	NOUN
amfbr-133	102	4	of	of	ADP
amfbr-133	102	5	power	power	NOUN
amfbr-133	102	6	failures	failure	NOUN
amfbr-133	102	7	shows	show	VERB
amfbr-133	102	8	low	low	ADJ
amfbr-133	102	9	focus	focus	NOUN
amfbr-133	102	10	on	on	ADP
amfbr-133	102	11	the	the	DET
amfbr-133	102	12	particular	particular	ADJ
amfbr-133	102	13	external	external	ADJ
amfbr-133	102	14	components	component	NOUN
amfbr-133	102	15	that	that	PRON
amfbr-133	102	16	contribute	contribute	VERB
amfbr-133	102	17	to	to	ADP
amfbr-133	102	18	npa	npa	PROPN
amfbr-133	102	19	.	.	PUNCT
amfbr-133	103	1	hypothesis	hypothesis	NOUN
amfbr-133	103	2	i	i	PRON
amfbr-133	103	3	null	null	ADJ
amfbr-133	103	4	hypothesis	hypothesis	NOUN
amfbr-133	103	5	:	:	PUNCT
amfbr-133	103	6	there	there	PRON
amfbr-133	103	7	is	be	VERB
amfbr-133	103	8	no	no	DET
amfbr-133	103	9	significant	significant	ADJ
amfbr-133	103	10	difference	difference	NOUN
amfbr-133	103	11	between	between	ADP
amfbr-133	103	12	mean	mean	ADJ
amfbr-133	103	13	ranks	rank	NOUN
amfbr-133	103	14	towards	towards	ADP
amfbr-133	103	15	importance	importance	NOUN
amfbr-133	103	16	to	to	ADP
amfbr-133	103	17	the	the	DET
amfbr-133	103	18	bank	bank	NOUN
amfbr-133	103	19	based	base	VERB
amfbr-133	103	20	internal	internal	ADJ
amfbr-133	103	21	components	component	NOUN
amfbr-133	103	22	that	that	PRON
amfbr-133	103	23	contribute	contribute	VERB
amfbr-133	103	24	to	to	ADP
amfbr-133	103	25	npa	npa	PROPN
amfbr-133	103	26	.	.	PUNCT
amfbr-133	103	27	table	table	NOUN
amfbr-133	103	28	3	3	NUM
amfbr-133	103	29	.	.	PUNCT
amfbr-133	104	1	friedman	friedman	PROPN
amfbr-133	104	2	test	test	NOUN
amfbr-133	104	3	for	for	ADP
amfbr-133	104	4	significant	significant	ADJ
amfbr-133	104	5	difference	difference	NOUN
amfbr-133	104	6	between	between	ADP
amfbr-133	104	7	mean	mean	ADJ
amfbr-133	104	8	ranks	rank	NOUN
amfbr-133	104	9	towards	towards	ADP
amfbr-133	104	10	importance	importance	NOUN
amfbr-133	104	11	to	to	ADP
amfbr-133	104	12	the	the	DET
amfbr-133	104	13	bank	bank	NOUN
amfbr-133	104	14	based	base	VERB
amfbr-133	104	15	internal	internal	ADJ
amfbr-133	104	16	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	ADJ
amfbr-133	104	17	american	american	PROPN
amfbr-133	104	18	finance	finance	PROPN
amfbr-133	104	19	&	&	CCONJ
amfbr-133	104	20	banking	banking	PROPN
amfbr-133	104	21	review	review	PROPN
amfbr-133	104	22	vol	vol	NOUN
amfbr-133	104	23	.	.	PROPN
amfbr-133	105	1	2	2	NUM
amfbr-133	105	2	,	,	PUNCT
amfbr-133	105	3	no	no	INTJ
amfbr-133	105	4	.	.	NOUN
amfbr-133	105	5	2	2	NUM
amfbr-133	105	6	;	;	PUNCT
amfbr-133	105	7	2018	2018	NUM
amfbr-133	105	8	18	18	NUM
amfbr-133	105	9	components	component	NOUN
amfbr-133	105	10	that	that	PRON
amfbr-133	105	11	contribute	contribute	VERB
amfbr-133	105	12	to	to	ADP
amfbr-133	105	13	npa	npa	PROPN
amfbr-133	105	14	sl	sl	NOUN
amfbr-133	105	15	.	.	PUNCT
amfbr-133	106	1	no	no	PRON
amfbr-133	106	2	.	.	PUNCT
amfbr-133	107	1	importance	importance	NOUN
amfbr-133	107	2	to	to	ADP
amfbr-133	107	3	the	the	DET
amfbr-133	107	4	bank	bank	NOUN
amfbr-133	107	5	based	base	VERB
amfbr-133	107	6	internal	internal	ADJ
amfbr-133	107	7	components	component	NOUN
amfbr-133	107	8	that	that	PRON
amfbr-133	107	9	contribute	contribute	VERB
amfbr-133	107	10	to	to	ADP
amfbr-133	107	11	npa	npa	PROPN
amfbr-133	107	12	mean	mean	PROPN
amfbr-133	107	13	rank	rank	PROPN
amfbr-133	107	14	chisquare	chisquare	PROPN
amfbr-133	107	15	p	p	PROPN
amfbr-133	107	16	value	value	NOUN
amfbr-133	107	17	1	1	NUM
amfbr-133	107	18	improper	improper	ADJ
amfbr-133	107	19	selection	selection	NOUN
amfbr-133	107	20	of	of	ADP
amfbr-133	107	21	borrowers	borrower	NOUN
amfbr-133	107	22	3.62	3.62	NUM
amfbr-133	107	23	280.580	280.580	NUM
amfbr-133	107	24	0.000	0.000	NUM
amfbr-133	107	25	*	*	PUNCT
amfbr-133	107	26	*	*	SYM
amfbr-133	107	27	2	2	NUM
amfbr-133	107	28	deficiency	deficiency	NOUN
amfbr-133	107	29	in	in	ADP
amfbr-133	107	30	processing	process	VERB
amfbr-133	107	31	3.10	3.10	NUM
amfbr-133	107	32	3	3	NUM
amfbr-133	107	33	improper	improper	ADJ
amfbr-133	107	34	appraisal	appraisal	NOUN
amfbr-133	107	35	of	of	ADP
amfbr-133	107	36	assets	asset	NOUN
amfbr-133	107	37	3.36	3.36	NUM
amfbr-133	107	38	4	4	NUM
amfbr-133	107	39	lack	lack	NOUN
amfbr-133	107	40	of	of	ADP
amfbr-133	107	41	monitoring	monitor	VERB
amfbr-133	107	42	pre	pre	ADJ
amfbr-133	107	43	and	and	CCONJ
amfbr-133	107	44	post	post	VERB
amfbr-133	107	45	sanction	sanction	NOUN
amfbr-133	107	46	of	of	ADP
amfbr-133	107	47	loan	loan	NOUN
amfbr-133	107	48	4.71	4.71	NUM
amfbr-133	107	49	5	5	NUM
amfbr-133	107	50	terms	term	NOUN
amfbr-133	107	51	and	and	CCONJ
amfbr-133	107	52	conditions	condition	NOUN
amfbr-133	107	53	of	of	ADP
amfbr-133	107	54	credit	credit	NOUN
amfbr-133	107	55	1.89	1.89	NUM
amfbr-133	107	56	6	6	NUM
amfbr-133	107	57	unsecured	unsecured	ADJ
amfbr-133	107	58	loans	loan	NOUN
amfbr-133	107	59	4.32	4.32	NUM
amfbr-133	107	60	source	source	NOUN
amfbr-133	107	61	:	:	PUNCT
amfbr-133	107	62	primary	primary	ADJ
amfbr-133	107	63	data	datum	NOUN
amfbr-133	107	64	*	*	PUNCT
amfbr-133	107	65	*	*	NOUN
amfbr-133	107	66	denotes	denote	NOUN
amfbr-133	107	67	significance	significance	NOUN
amfbr-133	107	68	at	at	ADP
amfbr-133	107	69	1	1	NUM
amfbr-133	107	70	%	%	NOUN
amfbr-133	107	71	level	level	NOUN
amfbr-133	107	72	inference	inference	NOUN
amfbr-133	107	73	:	:	PUNCT
amfbr-133	107	74	since	since	SCONJ
amfbr-133	107	75	p	p	NOUN
amfbr-133	107	76	value	value	NOUN
amfbr-133	107	77	is	be	AUX
amfbr-133	107	78	less	less	ADJ
amfbr-133	107	79	than	than	ADP
amfbr-133	107	80	0.01	0.01	NUM
amfbr-133	107	81	,	,	PUNCT
amfbr-133	107	82	the	the	DET
amfbr-133	107	83	null	null	ADJ
amfbr-133	107	84	hypothesis	hypothesis	NOUN
amfbr-133	107	85	is	be	AUX
amfbr-133	107	86	rejected	reject	VERB
amfbr-133	107	87	at	at	ADP
amfbr-133	107	88	1	1	NUM
amfbr-133	107	89	per	per	ADP
amfbr-133	107	90	cent	cent	NOUN
amfbr-133	107	91	level	level	NOUN
amfbr-133	107	92	of	of	ADP
amfbr-133	107	93	significance	significance	NOUN
amfbr-133	107	94	.	.	PUNCT
amfbr-133	108	1	hence	hence	ADV
amfbr-133	108	2	it	it	PRON
amfbr-133	108	3	is	be	AUX
amfbr-133	108	4	concluded	conclude	VERB
amfbr-133	108	5	that	that	SCONJ
amfbr-133	108	6	there	there	PRON
amfbr-133	108	7	is	be	VERB
amfbr-133	108	8	significant	significant	ADJ
amfbr-133	108	9	difference	difference	NOUN
amfbr-133	108	10	between	between	ADP
amfbr-133	108	11	mean	mean	ADJ
amfbr-133	108	12	ranks	rank	NOUN
amfbr-133	108	13	towards	towards	ADP
amfbr-133	108	14	importance	importance	NOUN
amfbr-133	108	15	to	to	ADP
amfbr-133	108	16	the	the	DET
amfbr-133	108	17	bank	bank	NOUN
amfbr-133	108	18	based	base	VERB
amfbr-133	108	19	internal	internal	ADJ
amfbr-133	108	20	components	component	NOUN
amfbr-133	108	21	that	that	PRON
amfbr-133	108	22	contribute	contribute	VERB
amfbr-133	108	23	to	to	ADP
amfbr-133	108	24	npa	npa	PROPN
amfbr-133	108	25	.	.	PUNCT
amfbr-133	109	1	from	from	ADP
amfbr-133	109	2	the	the	DET
amfbr-133	109	3	table	table	NOUN
amfbr-133	109	4	,	,	PUNCT
amfbr-133	109	5	based	base	VERB
amfbr-133	109	6	on	on	ADP
amfbr-133	109	7	mean	mean	PROPN
amfbr-133	109	8	rank	rank	NOUN
amfbr-133	109	9	,	,	PUNCT
amfbr-133	109	10	lack	lack	NOUN
amfbr-133	109	11	of	of	ADP
amfbr-133	109	12	monitoring	monitor	VERB
amfbr-133	109	13	pre	pre	ADJ
amfbr-133	109	14	and	and	CCONJ
amfbr-133	109	15	post	post	VERB
amfbr-133	109	16	sanction	sanction	NOUN
amfbr-133	109	17	of	of	ADP
amfbr-133	109	18	loan	loan	NOUN
amfbr-133	109	19	(	(	PUNCT
amfbr-133	109	20	4.71	4.71	NUM
amfbr-133	109	21	)	)	PUNCT
amfbr-133	109	22	is	be	AUX
amfbr-133	109	23	the	the	DET
amfbr-133	109	24	best	good	ADJ
amfbr-133	109	25	internal	internal	ADJ
amfbr-133	109	26	component	component	NOUN
amfbr-133	109	27	that	that	PRON
amfbr-133	109	28	contribute	contribute	VERB
amfbr-133	109	29	to	to	ADP
amfbr-133	109	30	npa	npa	NOUN
amfbr-133	109	31	,	,	PUNCT
amfbr-133	109	32	followed	follow	VERB
amfbr-133	109	33	by	by	ADP
amfbr-133	109	34	unsecured	unsecured	ADJ
amfbr-133	109	35	loans	loan	NOUN
amfbr-133	109	36	(	(	PUNCT
amfbr-133	109	37	4.32	4.32	NUM
amfbr-133	109	38	)	)	PUNCT
amfbr-133	109	39	,	,	PUNCT
amfbr-133	109	40	improper	improper	ADJ
amfbr-133	109	41	selection	selection	NOUN
amfbr-133	109	42	of	of	ADP
amfbr-133	109	43	borrowers	borrower	NOUN
amfbr-133	109	44	(	(	PUNCT
amfbr-133	109	45	3.62	3.62	NUM
amfbr-133	109	46	)	)	PUNCT
amfbr-133	109	47	,	,	PUNCT
amfbr-133	109	48	improper	improper	ADJ
amfbr-133	109	49	appraisal	appraisal	NOUN
amfbr-133	109	50	of	of	ADP
amfbr-133	109	51	assets	asset	NOUN
amfbr-133	109	52	(	(	PUNCT
amfbr-133	109	53	3.36	3.36	NUM
amfbr-133	109	54	)	)	PUNCT
amfbr-133	109	55	,	,	PUNCT
amfbr-133	109	56	deficiency	deficiency	NOUN
amfbr-133	109	57	in	in	ADP
amfbr-133	109	58	processing	processing	NOUN
amfbr-133	109	59	(	(	PUNCT
amfbr-133	109	60	3.10	3.10	NUM
amfbr-133	109	61	)	)	PUNCT
amfbr-133	109	62	and	and	CCONJ
amfbr-133	109	63	terms	term	NOUN
amfbr-133	109	64	and	and	CCONJ
amfbr-133	109	65	conditions	condition	NOUN
amfbr-133	109	66	of	of	ADP
amfbr-133	109	67	credit	credit	NOUN
amfbr-133	109	68	(	(	PUNCT
amfbr-133	109	69	1.89	1.89	NUM
amfbr-133	109	70	)	)	PUNCT
amfbr-133	109	71	.	.	PUNCT
amfbr-133	110	1	hypothesis	hypothesis	NOUN
amfbr-133	110	2	ii	ii	PROPN
amfbr-133	110	3	null	null	ADJ
amfbr-133	110	4	hypothesis	hypothesis	NOUN
amfbr-133	110	5	:	:	PUNCT
amfbr-133	110	6	there	there	PRON
amfbr-133	110	7	is	be	VERB
amfbr-133	110	8	no	no	DET
amfbr-133	110	9	significant	significant	ADJ
amfbr-133	110	10	difference	difference	NOUN
amfbr-133	110	11	between	between	ADP
amfbr-133	110	12	mean	mean	ADJ
amfbr-133	110	13	ranks	rank	NOUN
amfbr-133	110	14	towards	towards	ADP
amfbr-133	110	15	importance	importance	NOUN
amfbr-133	110	16	to	to	ADP
amfbr-133	110	17	the	the	DET
amfbr-133	110	18	bank	bank	NOUN
amfbr-133	110	19	based	base	VERB
amfbr-133	110	20	external	external	ADJ
amfbr-133	110	21	components	component	NOUN
amfbr-133	110	22	that	that	PRON
amfbr-133	110	23	contribute	contribute	VERB
amfbr-133	110	24	to	to	ADP
amfbr-133	110	25	npa	npa	PROPN
amfbr-133	110	26	.	.	PUNCT
amfbr-133	110	27	table	table	NOUN
amfbr-133	110	28	4	4	NUM
amfbr-133	110	29	.	.	PUNCT
amfbr-133	111	1	friedman	friedman	PROPN
amfbr-133	111	2	test	test	NOUN
amfbr-133	111	3	for	for	ADP
amfbr-133	111	4	significant	significant	ADJ
amfbr-133	111	5	difference	difference	NOUN
amfbr-133	111	6	between	between	ADP
amfbr-133	111	7	mean	mean	ADJ
amfbr-133	111	8	ranks	rank	NOUN
amfbr-133	111	9	towards	towards	ADP
amfbr-133	111	10	importance	importance	NOUN
amfbr-133	111	11	to	to	ADP
amfbr-133	111	12	the	the	DET
amfbr-133	111	13	bank	bank	NOUN
amfbr-133	111	14	based	base	VERB
amfbr-133	111	15	external	external	ADJ
amfbr-133	111	16	components	component	NOUN
amfbr-133	111	17	that	that	PRON
amfbr-133	111	18	contribute	contribute	VERB
amfbr-133	111	19	to	to	ADP
amfbr-133	111	20	npa	npa	PROPN
amfbr-133	111	21	sl.no	sl.no	NOUN
amfbr-133	111	22	.	.	PUNCT
amfbr-133	112	1	importance	importance	NOUN
amfbr-133	112	2	to	to	ADP
amfbr-133	112	3	the	the	DET
amfbr-133	112	4	external	external	ADJ
amfbr-133	112	5	components	component	NOUN
amfbr-133	112	6	that	that	PRON
amfbr-133	112	7	contribute	contribute	VERB
amfbr-133	112	8	to	to	ADP
amfbr-133	112	9	npa	npa	PROPN
amfbr-133	112	10	mean	mean	PROPN
amfbr-133	112	11	rank	rank	PROPN
amfbr-133	112	12	chisquare	chisquare	PROPN
amfbr-133	112	13	p	p	PROPN
amfbr-133	112	14	value	value	NOUN
amfbr-133	112	15	1	1	NUM
amfbr-133	112	16	selection	selection	NOUN
amfbr-133	112	17	of	of	ADP
amfbr-133	112	18	unsuitable	unsuitable	ADJ
amfbr-133	112	19	and	and	CCONJ
amfbr-133	112	20	unviable	unviable	ADJ
amfbr-133	112	21	scheme	scheme	NOUN
amfbr-133	112	22	6.15	6.15	NUM
amfbr-133	112	23	547.007	547.007	NUM
amfbr-133	112	24	0.000	0.000	NUM
amfbr-133	112	25	*	*	PUNCT
amfbr-133	112	26	*	*	SYM
amfbr-133	112	27	2	2	NUM
amfbr-133	112	28	mis	mi	NOUN
amfbr-133	112	29	-	-	PUNCT
amfbr-133	112	30	utilization	utilization	NOUN
amfbr-133	112	31	of	of	ADP
amfbr-133	112	32	fund	fund	NOUN
amfbr-133	112	33	8.04	8.04	NUM
amfbr-133	112	34	3	3	NUM
amfbr-133	112	35	insolvency	insolvency	NOUN
amfbr-133	112	36	or	or	CCONJ
amfbr-133	112	37	death	death	NOUN
amfbr-133	112	38	of	of	ADP
amfbr-133	112	39	borrower	borrower	NOUN
amfbr-133	112	40	3.04	3.04	NUM
amfbr-133	112	41	4	4	NUM
amfbr-133	112	42	low	low	ADJ
amfbr-133	112	43	income	income	NOUN
amfbr-133	112	44	from	from	ADP
amfbr-133	112	45	project	project	NOUN
amfbr-133	112	46	5.75	5.75	NUM
amfbr-133	112	47	5	5	NUM
amfbr-133	112	48	lack	lack	NOUN
amfbr-133	112	49	of	of	ADP
amfbr-133	112	50	infrastructure	infrastructure	NOUN
amfbr-133	112	51	,	,	PUNCT
amfbr-133	112	52	modern	modern	ADJ
amfbr-133	112	53	technology	technology	NOUN
amfbr-133	112	54	and	and	CCONJ
amfbr-133	112	55	marketing	marketing	NOUN
amfbr-133	112	56	facilities	facility	NOUN
amfbr-133	112	57	2.85	2.85	NUM
amfbr-133	112	58	6	6	NUM
amfbr-133	112	59	political	political	ADJ
amfbr-133	112	60	interference	interference	NOUN
amfbr-133	112	61	and	and	CCONJ
amfbr-133	112	62	labour	labour	ADJ
amfbr-133	112	63	unrest	unrest	NOUN
amfbr-133	112	64	7.47	7.47	NUM
amfbr-133	112	65	7	7	NUM
amfbr-133	112	66	willful	willful	ADJ
amfbr-133	112	67	default	default	NOUN
amfbr-133	112	68	due	due	ADP
amfbr-133	112	69	to	to	ADP
amfbr-133	112	70	liberal	liberal	ADJ
amfbr-133	112	71	government	government	NOUN
amfbr-133	112	72	policy	policy	NOUN
amfbr-133	112	73	and	and	CCONJ
amfbr-133	112	74	expectation	expectation	NOUN
amfbr-133	112	75	of	of	ADP
amfbr-133	112	76	debt	debt	NOUN
amfbr-133	112	77	relief	relief	NOUN
amfbr-133	112	78	7.39	7.39	NUM
amfbr-133	112	79	8	8	NUM
amfbr-133	112	80	sluggish	sluggish	ADJ
amfbr-133	112	81	legal	legal	ADJ
amfbr-133	112	82	system	system	NOUN
amfbr-133	112	83	3.95	3.95	NUM
amfbr-133	112	84	9	9	NUM
amfbr-133	112	85	price	price	NOUN
amfbr-133	112	86	escalation	escalation	NOUN
amfbr-133	112	87	of	of	ADP
amfbr-133	112	88	inputs	input	NOUN
amfbr-133	112	89	4.78	4.78	NUM
amfbr-133	112	90	10	10	NUM
amfbr-133	112	91	power	power	NOUN
amfbr-133	112	92	failures	failure	NOUN
amfbr-133	112	93	5.59	5.59	NUM
amfbr-133	112	94	source	source	NOUN
amfbr-133	112	95	:	:	PUNCT
amfbr-133	112	96	primary	primary	ADJ
amfbr-133	112	97	data	datum	NOUN
amfbr-133	112	98	*	*	PUNCT
amfbr-133	112	99	*	*	NOUN
amfbr-133	112	100	denotes	denote	NOUN
amfbr-133	112	101	significance	significance	NOUN
amfbr-133	112	102	at	at	ADP
amfbr-133	112	103	1	1	NUM
amfbr-133	112	104	%	%	NOUN
amfbr-133	112	105	level	level	NOUN
amfbr-133	112	106	inference	inference	NOUN
amfbr-133	112	107	:	:	PUNCT
amfbr-133	112	108	since	since	SCONJ
amfbr-133	112	109	p	p	NOUN
amfbr-133	112	110	value	value	NOUN
amfbr-133	112	111	is	be	AUX
amfbr-133	112	112	less	less	ADJ
amfbr-133	112	113	than	than	ADP
amfbr-133	112	114	0.01	0.01	NUM
amfbr-133	112	115	,	,	PUNCT
amfbr-133	112	116	the	the	DET
amfbr-133	112	117	null	null	ADJ
amfbr-133	112	118	hypothesis	hypothesis	NOUN
amfbr-133	112	119	is	be	AUX
amfbr-133	112	120	rejected	reject	VERB
amfbr-133	112	121	at	at	ADP
amfbr-133	112	122	1	1	NUM
amfbr-133	112	123	per	per	ADP
amfbr-133	112	124	cent	cent	NOUN
amfbr-133	112	125	level	level	NOUN
amfbr-133	112	126	of	of	ADP
amfbr-133	112	127	significance	significance	NOUN
amfbr-133	112	128	.	.	PUNCT
amfbr-133	113	1	hence	hence	ADV
amfbr-133	113	2	it	it	PRON
amfbr-133	113	3	is	be	AUX
amfbr-133	113	4	concluded	conclude	VERB
amfbr-133	113	5	that	that	SCONJ
amfbr-133	113	6	there	there	PRON
amfbr-133	113	7	is	be	VERB
amfbr-133	113	8	a	a	DET
amfbr-133	113	9	significant	significant	ADJ
amfbr-133	113	10	difference	difference	NOUN
amfbr-133	113	11	between	between	ADP
amfbr-133	113	12	mean	mean	ADJ
amfbr-133	113	13	ranks	rank	NOUN
amfbr-133	113	14	towards	towards	ADP
amfbr-133	113	15	importance	importance	NOUN
amfbr-133	113	16	to	to	ADP
amfbr-133	113	17	the	the	DET
amfbr-133	113	18	bank	bank	NOUN
amfbr-133	113	19	based	base	VERB
amfbr-133	113	20	external	external	ADJ
amfbr-133	113	21	components	component	NOUN
amfbr-133	113	22	that	that	PRON
amfbr-133	113	23	contribute	contribute	VERB
amfbr-133	113	24	to	to	ADP
amfbr-133	113	25	npa	npa	NOUN
amfbr-133	113	26	from	from	ADP
amfbr-133	113	27	the	the	DET
amfbr-133	113	28	table	table	NOUN
amfbr-133	113	29	,	,	PUNCT
amfbr-133	113	30	based	base	VERB
amfbr-133	113	31	on	on	ADP
amfbr-133	113	32	mean	mean	PROPN
amfbr-133	113	33	rank	rank	PROPN
amfbr-133	113	34	,	,	PUNCT
amfbr-133	113	35	mis	mi	NOUN
amfbr-133	113	36	-	-	PUNCT
amfbr-133	113	37	utilization	utilization	NOUN
amfbr-133	113	38	of	of	ADP
amfbr-133	113	39	fund	fund	NOUN
amfbr-133	113	40	(	(	PUNCT
amfbr-133	113	41	8.04	8.04	NUM
amfbr-133	113	42	)	)	PUNCT
amfbr-133	113	43	,	,	PUNCT
amfbr-133	113	44	political	political	ADJ
amfbr-133	113	45	interference	interference	NOUN
amfbr-133	113	46	and	and	CCONJ
amfbr-133	113	47	labour	labour	ADJ
amfbr-133	113	48	unrest(7.47),willful	unrest(7.47),willful	ADJ
amfbr-133	113	49	default	default	NOUN
amfbr-133	113	50	due	due	ADP
amfbr-133	113	51	to	to	ADP
amfbr-133	113	52	liberal	liberal	ADJ
amfbr-133	113	53	government	government	NOUN
amfbr-133	113	54	policy	policy	NOUN
amfbr-133	113	55	and	and	CCONJ
amfbr-133	113	56	expectation	expectation	NOUN
amfbr-133	113	57	of	of	ADP
amfbr-133	113	58	debt	debt	NOUN
amfbr-133	113	59	relief(7.39),selection	relief(7.39),selection	NOUN
amfbr-133	113	60	of	of	ADP
amfbr-133	113	61	unsuitable	unsuitable	ADJ
amfbr-133	113	62	and	and	CCONJ
amfbr-133	113	63	unviable	unviable	ADJ
amfbr-133	113	64	scheme(6.15),power	scheme(6.15),power	PROPN
amfbr-133	113	65	failures(5.59),low	failures(5.59),low	PROPN
amfbr-133	113	66	income	income	NOUN
amfbr-133	113	67	from	from	ADP
amfbr-133	113	68	project(5.75),price	project(5.75),price	PROPN
amfbr-133	113	69	escalation	escalation	NOUN
amfbr-133	113	70	of	of	ADP
amfbr-133	113	71	inputs(4.78),sluggish	inputs(4.78),sluggish	PRON
amfbr-133	113	72	legal	legal	ADJ
amfbr-133	113	73	system(3.95),insolvency	system(3.95),insolvency	NOUN
amfbr-133	113	74	or	or	CCONJ
amfbr-133	113	75	death	death	NOUN
amfbr-133	113	76	of	of	ADP
amfbr-133	113	77	borrower(3.04),lack	borrower(3.04),lack	NOUN
amfbr-133	113	78	of	of	ADP
amfbr-133	113	79	infrastructure	infrastructure	NOUN
amfbr-133	113	80	,	,	PUNCT
amfbr-133	113	81	modern	modern	ADJ
amfbr-133	113	82	technology	technology	NOUN
amfbr-133	113	83	and	and	CCONJ
amfbr-133	113	84	marketing	marketing	NOUN
amfbr-133	113	85	facilities(2.85	facilities(2.85	NUM
amfbr-133	113	86	)	)	PUNCT
amfbr-133	113	87	.	.	PUNCT
amfbr-133	114	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-133	115	1	american	american	PROPN
amfbr-133	115	2	finance	finance	PROPN
amfbr-133	115	3	&	&	CCONJ
amfbr-133	115	4	banking	banking	PROPN
amfbr-133	115	5	review	review	PROPN
amfbr-133	115	6	vol	vol	NOUN
amfbr-133	115	7	.	.	PROPN
amfbr-133	116	1	2	2	NUM
amfbr-133	116	2	,	,	PUNCT
amfbr-133	116	3	no	no	INTJ
amfbr-133	116	4	.	.	NOUN
amfbr-133	116	5	2	2	NUM
amfbr-133	116	6	;	;	PUNCT
amfbr-133	116	7	2018	2018	NUM
amfbr-133	116	8	19	19	NUM
amfbr-133	116	9	7	7	NUM
amfbr-133	116	10	.	.	PUNCT
amfbr-133	117	1	findings	finding	NOUN
amfbr-133	117	2	of	of	ADP
amfbr-133	117	3	the	the	DET
amfbr-133	117	4	study	study	NOUN
amfbr-133	117	5			VERB
amfbr-133	117	6	from	from	ADP
amfbr-133	117	7	table	table	NOUN
amfbr-133	117	8	7.1	7.1	NUM
amfbr-133	117	9	bank	bank	NOUN
amfbr-133	117	10	based	base	VERB
amfbr-133	117	11	internal	internal	ADJ
amfbr-133	117	12	components	component	NOUN
amfbr-133	117	13	that	that	PRON
amfbr-133	117	14	contribute	contribute	VERB
amfbr-133	117	15	to	to	ADP
amfbr-133	117	16	npa	npa	NOUN
amfbr-133	117	17	are	be	AUX
amfbr-133	117	18	ranked	rank	VERB
amfbr-133	117	19	on	on	ADP
amfbr-133	117	20	the	the	DET
amfbr-133	117	21	basis	basis	NOUN
amfbr-133	117	22	of	of	ADP
amfbr-133	117	23	the	the	DET
amfbr-133	117	24	response	response	NOUN
amfbr-133	117	25	and	and	CCONJ
amfbr-133	117	26	mean	mean	VERB
amfbr-133	117	27	score	score	NOUN
amfbr-133	117	28	calculated	calculate	VERB
amfbr-133	117	29	.	.	PUNCT
amfbr-133	118	1	lack	lack	NOUN
amfbr-133	118	2	of	of	ADP
amfbr-133	118	3	monitoring	monitor	VERB
amfbr-133	118	4	pre	pre	ADJ
amfbr-133	118	5	and	and	CCONJ
amfbr-133	118	6	post	post	VERB
amfbr-133	118	7	sanction	sanction	NOUN
amfbr-133	118	8	of	of	ADP
amfbr-133	118	9	loan	loan	NOUN
amfbr-133	118	10	has	have	VERB
amfbr-133	118	11	the	the	DET
amfbr-133	118	12	highest	high	ADJ
amfbr-133	118	13	mean	mean	NOUN
amfbr-133	118	14	followed	follow	VERB
amfbr-133	118	15	by	by	ADP
amfbr-133	118	16	unsecured	unsecured	ADJ
amfbr-133	118	17	loans	loan	NOUN
amfbr-133	118	18	,	,	PUNCT
amfbr-133	118	19	improper	improper	ADJ
amfbr-133	118	20	selection	selection	NOUN
amfbr-133	118	21	of	of	ADP
amfbr-133	118	22	borrowers	borrower	NOUN
amfbr-133	118	23	,	,	PUNCT
amfbr-133	118	24	improper	improper	ADJ
amfbr-133	118	25	appraisal	appraisal	NOUN
amfbr-133	118	26	of	of	ADP
amfbr-133	118	27	assets	asset	NOUN
amfbr-133	118	28	,	,	PUNCT
amfbr-133	118	29	deficiency	deficiency	NOUN
amfbr-133	118	30	in	in	ADP
amfbr-133	118	31	processing	processing	NOUN
amfbr-133	118	32	and	and	CCONJ
amfbr-133	118	33	terms	term	NOUN
amfbr-133	118	34	and	and	CCONJ
amfbr-133	118	35	conditions	condition	NOUN
amfbr-133	118	36	of	of	ADP
amfbr-133	118	37	credit	credit	NOUN
amfbr-133	118	38	.	.	PUNCT
amfbr-133	119	1			PUNCT
amfbr-133	120	1	from	from	ADP
amfbr-133	120	2	table	table	NOUN
amfbr-133	120	3	7.2	7.2	NUM
amfbr-133	120	4	,	,	PUNCT
amfbr-133	120	5	bank	bank	NOUN
amfbr-133	120	6	based	base	VERB
amfbr-133	120	7	external	external	ADJ
amfbr-133	120	8	components	component	NOUN
amfbr-133	120	9	that	that	PRON
amfbr-133	120	10	contribute	contribute	VERB
amfbr-133	120	11	to	to	ADP
amfbr-133	120	12	npaare	npaare	NOUN
amfbr-133	120	13	ranked	rank	VERB
amfbr-133	120	14	on	on	ADP
amfbr-133	120	15	the	the	DET
amfbr-133	120	16	basis	basis	NOUN
amfbr-133	120	17	of	of	ADP
amfbr-133	120	18	the	the	DET
amfbr-133	120	19	response	response	NOUN
amfbr-133	120	20	and	and	CCONJ
amfbr-133	120	21	mean	mean	VERB
amfbr-133	120	22	score	score	NOUN
amfbr-133	120	23	calculated.mis	calculated.mi	NOUN
amfbr-133	120	24	-	-	PUNCT
amfbr-133	120	25	utilization	utilization	NOUN
amfbr-133	120	26	of	of	ADP
amfbr-133	120	27	fund	fund	NOUN
amfbr-133	120	28	has	have	VERB
amfbr-133	120	29	the	the	DET
amfbr-133	120	30	highest	high	ADJ
amfbr-133	120	31	mean	mean	NOUN
amfbr-133	120	32	followed	follow	VERB
amfbr-133	120	33	by	by	ADP
amfbr-133	120	34	willful	willful	ADJ
amfbr-133	120	35	default	default	NOUN
amfbr-133	120	36	due	due	ADP
amfbr-133	120	37	to	to	ADP
amfbr-133	120	38	liberal	liberal	ADJ
amfbr-133	120	39	government	government	NOUN
amfbr-133	120	40	policy	policy	NOUN
amfbr-133	120	41	,	,	PUNCT
amfbr-133	120	42	political	political	ADJ
amfbr-133	120	43	interference	interference	NOUN
amfbr-133	120	44	and	and	CCONJ
amfbr-133	120	45	labor	labor	NOUN
amfbr-133	120	46	unrest	unrest	NOUN
amfbr-133	120	47	,	,	PUNCT
amfbr-133	120	48	selection	selection	NOUN
amfbr-133	120	49	of	of	ADP
amfbr-133	120	50	unsuitable	unsuitable	ADJ
amfbr-133	120	51	and	and	CCONJ
amfbr-133	120	52	unviable	unviable	ADJ
amfbr-133	120	53	scheme	scheme	NOUN
amfbr-133	120	54	,	,	PUNCT
amfbr-133	120	55	low	low	ADJ
amfbr-133	120	56	income	income	NOUN
amfbr-133	120	57	from	from	ADP
amfbr-133	120	58	project	project	NOUN
amfbr-133	120	59	,	,	PUNCT
amfbr-133	120	60	power	power	NOUN
amfbr-133	120	61	failures	failure	NOUN
amfbr-133	120	62	,	,	PUNCT
amfbr-133	120	63	price	price	NOUN
amfbr-133	120	64	escalation	escalation	NOUN
amfbr-133	120	65	of	of	ADP
amfbr-133	120	66	inputs	input	NOUN
amfbr-133	120	67	,	,	PUNCT
amfbr-133	120	68	sluggish	sluggish	ADJ
amfbr-133	120	69	legal	legal	ADJ
amfbr-133	120	70	system	system	NOUN
amfbr-133	120	71	,	,	PUNCT
amfbr-133	120	72	lack	lack	NOUN
amfbr-133	120	73	of	of	ADP
amfbr-133	120	74	infrastructure	infrastructure	NOUN
amfbr-133	120	75	,	,	PUNCT
amfbr-133	120	76	modern	modern	ADJ
amfbr-133	120	77	technology	technology	NOUN
amfbr-133	120	78	and	and	CCONJ
amfbr-133	120	79	marketing	marketing	NOUN
amfbr-133	120	80	facilities	facility	NOUN
amfbr-133	120	81	,	,	PUNCT
amfbr-133	120	82	insolvency	insolvency	NOUN
amfbr-133	120	83	or	or	CCONJ
amfbr-133	120	84	death	death	NOUN
amfbr-133	120	85	of	of	ADP
amfbr-133	120	86	borrower	borrower	NOUN
amfbr-133	120	87	.	.	PUNCT
amfbr-133	121	1			PUNCT
amfbr-133	122	1	from	from	ADP
amfbr-133	122	2	table	table	NOUN
amfbr-133	122	3	7.3	7.3	NUM
amfbr-133	122	4	,	,	PUNCT
amfbr-133	122	5	by	by	ADP
amfbr-133	122	6	friedman	friedman	PROPN
amfbr-133	122	7	test	test	NOUN
amfbr-133	122	8	it	it	PRON
amfbr-133	122	9	is	be	AUX
amfbr-133	122	10	concluded	conclude	VERB
amfbr-133	122	11	that	that	SCONJ
amfbr-133	122	12	there	there	PRON
amfbr-133	122	13	is	be	VERB
amfbr-133	122	14	significant	significant	ADJ
amfbr-133	122	15	difference	difference	NOUN
amfbr-133	122	16	between	between	ADP
amfbr-133	122	17	mean	mean	ADJ
amfbr-133	122	18	ranks	rank	NOUN
amfbr-133	122	19	towards	towards	ADP
amfbr-133	122	20	importance	importance	NOUN
amfbr-133	122	21	to	to	ADP
amfbr-133	122	22	the	the	DET
amfbr-133	122	23	bank	bank	NOUN
amfbr-133	122	24	based	base	VERB
amfbr-133	122	25	internal	internal	ADJ
amfbr-133	122	26	components	component	NOUN
amfbr-133	122	27	that	that	PRON
amfbr-133	122	28	contribute	contribute	VERB
amfbr-133	122	29	to	to	ADP
amfbr-133	122	30	npa.this	npa.this	NOUN
amfbr-133	122	31	shows	show	VERB
amfbr-133	122	32	the	the	DET
amfbr-133	122	33	validity	validity	NOUN
amfbr-133	122	34	of	of	ADP
amfbr-133	122	35	ranking	ranking	NOUN
amfbr-133	122	36	based	base	VERB
amfbr-133	122	37	on	on	ADP
amfbr-133	122	38	mean	mean	NOUN
amfbr-133	122	39	.	.	PUNCT
amfbr-133	123	1			PUNCT
amfbr-133	124	1	from	from	ADP
amfbr-133	124	2	table	table	NOUN
amfbr-133	124	3	7.4	7.4	NUM
amfbr-133	124	4	,	,	PUNCT
amfbr-133	124	5	by	by	ADP
amfbr-133	124	6	friedman	friedman	PROPN
amfbr-133	124	7	test	test	NOUN
amfbr-133	124	8	it	it	PRON
amfbr-133	124	9	is	be	AUX
amfbr-133	124	10	concluded	conclude	VERB
amfbr-133	124	11	that	that	SCONJ
amfbr-133	124	12	there	there	PRON
amfbr-133	124	13	is	be	VERB
amfbr-133	124	14	significant	significant	ADJ
amfbr-133	124	15	difference	difference	NOUN
amfbr-133	124	16	between	between	ADP
amfbr-133	124	17	mean	mean	ADJ
amfbr-133	124	18	ranks	rank	NOUN
amfbr-133	124	19	towards	towards	ADP
amfbr-133	124	20	importance	importance	NOUN
amfbr-133	124	21	to	to	ADP
amfbr-133	124	22	the	the	DET
amfbr-133	124	23	bank	bank	NOUN
amfbr-133	124	24	based	base	VERB
amfbr-133	124	25	external	external	ADJ
amfbr-133	124	26	components	component	NOUN
amfbr-133	124	27	that	that	PRON
amfbr-133	124	28	contribute	contribute	VERB
amfbr-133	124	29	to	to	ADP
amfbr-133	124	30	npa	npa	PROPN
amfbr-133	124	31	.	.	PUNCT
amfbr-133	125	1	this	this	PRON
amfbr-133	125	2	shows	show	VERB
amfbr-133	125	3	the	the	DET
amfbr-133	125	4	validity	validity	NOUN
amfbr-133	125	5	of	of	ADP
amfbr-133	125	6	ranking	ranking	NOUN
amfbr-133	125	7	based	base	VERB
amfbr-133	125	8	on	on	ADP
amfbr-133	125	9	mean	mean	NOUN
amfbr-133	125	10	.	.	PUNCT
amfbr-133	126	1	8	8	X
amfbr-133	126	2	.	.	X
amfbr-133	126	3	conclusion	conclusion	NOUN
amfbr-133	126	4	this	this	DET
amfbr-133	126	5	paper	paper	NOUN
amfbr-133	126	6	reveals	reveal	VERB
amfbr-133	126	7	the	the	DET
amfbr-133	126	8	npa	npa	NOUN
amfbr-133	126	9	and	and	CCONJ
amfbr-133	126	10	its	its	PRON
amfbr-133	126	11	scenario	scenario	NOUN
amfbr-133	126	12	in	in	ADP
amfbr-133	126	13	all	all	DET
amfbr-133	126	14	the	the	DET
amfbr-133	126	15	scheduled	schedule	VERB
amfbr-133	126	16	commercial	commercial	ADJ
amfbr-133	126	17	banks	bank	NOUN
amfbr-133	126	18	during	during	ADP
amfbr-133	126	19	the	the	DET
amfbr-133	126	20	decade	decade	NOUN
amfbr-133	126	21	.	.	PUNCT
amfbr-133	127	1	it	it	PRON
amfbr-133	127	2	even	even	ADV
amfbr-133	127	3	depicts	depict	VERB
amfbr-133	127	4	the	the	DET
amfbr-133	127	5	various	various	ADJ
amfbr-133	127	6	reasons	reason	NOUN
amfbr-133	127	7	for	for	ADP
amfbr-133	127	8	the	the	DET
amfbr-133	127	9	growth	growth	NOUN
amfbr-133	127	10	of	of	ADP
amfbr-133	127	11	npa	npa	PROPN
amfbr-133	127	12	.	.	PUNCT
amfbr-133	128	1	npas	npa	NOUN
amfbr-133	128	2	reflect	reflect	VERB
amfbr-133	128	3	the	the	DET
amfbr-133	128	4	overall	overall	ADJ
amfbr-133	128	5	performance	performance	NOUN
amfbr-133	128	6	of	of	ADP
amfbr-133	128	7	the	the	DET
amfbr-133	128	8	banks	bank	NOUN
amfbr-133	128	9	.	.	PUNCT
amfbr-133	129	1	a	a	DET
amfbr-133	129	2	high	high	ADJ
amfbr-133	129	3	level	level	NOUN
amfbr-133	129	4	of	of	ADP
amfbr-133	129	5	npa	npa	NOUN
amfbr-133	129	6	is	be	AUX
amfbr-133	129	7	a	a	DET
amfbr-133	129	8	poor	poor	ADJ
amfbr-133	129	9	indicator	indicator	NOUN
amfbr-133	129	10	of	of	ADP
amfbr-133	129	11	bank	bank	NOUN
amfbr-133	129	12	performance	performance	NOUN
amfbr-133	129	13	.	.	PUNCT
amfbr-133	130	1	the	the	DET
amfbr-133	130	2	npa	npa	NOUN
amfbr-133	130	3	growth	growth	NOUN
amfbr-133	130	4	involves	involve	VERB
amfbr-133	130	5	the	the	DET
amfbr-133	130	6	necessity	necessity	NOUN
amfbr-133	130	7	of	of	ADP
amfbr-133	130	8	provisions	provision	NOUN
amfbr-133	130	9	,	,	PUNCT
amfbr-133	130	10	which	which	PRON
amfbr-133	130	11	reduces	reduce	VERB
amfbr-133	130	12	the	the	DET
amfbr-133	130	13	overall	overall	ADJ
amfbr-133	130	14	profits	profit	NOUN
amfbr-133	130	15	and	and	CCONJ
amfbr-133	130	16	shareholders	shareholder	NOUN
amfbr-133	130	17	’	'	PUNCT
amfbr-133	130	18	value	value	NOUN
amfbr-133	130	19	.	.	PUNCT
amfbr-133	131	1	careful	careful	ADJ
amfbr-133	131	2	steps	step	NOUN
amfbr-133	131	3	by	by	ADP
amfbr-133	131	4	the	the	DET
amfbr-133	131	5	bankers	banker	NOUN
amfbr-133	131	6	like	like	ADP
amfbr-133	131	7	selection	selection	NOUN
amfbr-133	131	8	of	of	ADP
amfbr-133	131	9	right	right	ADJ
amfbr-133	131	10	borrowers	borrower	NOUN
amfbr-133	131	11	,	,	PUNCT
amfbr-133	131	12	viable	viable	ADJ
amfbr-133	131	13	economic	economic	ADJ
amfbr-133	131	14	activity	activity	NOUN
amfbr-133	131	15	correct	correct	ADJ
amfbr-133	131	16	end	end	NOUN
amfbr-133	131	17	use	use	NOUN
amfbr-133	131	18	of	of	ADP
amfbr-133	131	19	funds	fund	NOUN
amfbr-133	131	20	and	and	CCONJ
amfbr-133	131	21	timely	timely	ADJ
amfbr-133	131	22	recovery	recovery	NOUN
amfbr-133	131	23	of	of	ADP
amfbr-133	131	24	loans	loan	NOUN
amfbr-133	131	25	are	be	AUX
amfbr-133	131	26	absolutely	absolutely	ADV
amfbr-133	131	27	necessary	necessary	ADJ
amfbr-133	131	28	pre	pre	NOUN
amfbr-133	131	29	conditions	condition	NOUN
amfbr-133	131	30	for	for	ADP
amfbr-133	131	31	preventing	prevent	VERB
amfbr-133	131	32	or	or	CCONJ
amfbr-133	131	33	reducing	reduce	VERB
amfbr-133	131	34	the	the	DET
amfbr-133	131	35	incidence	incidence	NOUN
amfbr-133	131	36	of	of	ADP
amfbr-133	131	37	new	new	ADJ
amfbr-133	131	38	npas	npas	NOUN
amfbr-133	131	39	which	which	PRON
amfbr-133	131	40	will	will	AUX
amfbr-133	131	41	enhance	enhance	VERB
amfbr-133	131	42	the	the	DET
amfbr-133	131	43	credibility	credibility	NOUN
amfbr-133	131	44	of	of	ADP
amfbr-133	131	45	the	the	DET
amfbr-133	131	46	banks	bank	NOUN
amfbr-133	131	47	and	and	CCONJ
amfbr-133	131	48	attain	attain	VERB
amfbr-133	131	49	the	the	DET
amfbr-133	131	50	objective	objective	NOUN
amfbr-133	131	51	of	of	ADP
amfbr-133	131	52	the	the	DET
amfbr-133	131	53	sound	sound	ADJ
amfbr-133	131	54	financial	financial	ADJ
amfbr-133	131	55	system	system	NOUN
amfbr-133	131	56	.	.	PUNCT
amfbr-133	132	1	references	reference	NOUN
amfbr-133	132	2	ammannaya	ammannaya	PROPN
amfbr-133	132	3	,	,	PUNCT
amfbr-133	132	4	k.k	k.k	PROPN
amfbr-133	132	5	.	.	PROPN
amfbr-133	132	6	(	(	PUNCT
amfbr-133	132	7	2004	2004	NUM
amfbr-133	132	8	)	)	PUNCT
amfbr-133	132	9	,	,	PUNCT
amfbr-133	132	10	“	"	PUNCT
amfbr-133	132	11	indian	indian	ADJ
amfbr-133	132	12	banking	banking	NOUN
amfbr-133	132	13	:	:	PUNCT
amfbr-133	132	14	2010	2010	NUM
amfbr-133	132	15	”	"	PUNCT
amfbr-133	132	16	,	,	PUNCT
amfbr-133	132	17	iba	iba	PROPN
amfbr-133	132	18	bulletin,156	bulletin,156	PROPN
amfbr-133	132	19	.	.	PUNCT
amfbr-133	133	1	baiju	baiju	PROPN
amfbr-133	133	2	,	,	PUNCT
amfbr-133	133	3	s.	s.	PROPN
amfbr-133	133	4	and	and	CCONJ
amfbr-133	133	5	tharril	tharril	PROPN
amfbr-133	133	6	,	,	PUNCT
amfbr-133	133	7	g.s	g.s	PROPN
amfbr-133	133	8	.	.	PROPN
amfbr-133	133	9	(	(	PUNCT
amfbr-133	133	10	2000	2000	NUM
amfbr-133	133	11	)	)	PUNCT
amfbr-133	133	12	,	,	PUNCT
amfbr-133	133	13	“	"	PUNCT
amfbr-133	133	14	performance	performance	NOUN
amfbr-133	133	15	banks	bank	NOUN
amfbr-133	133	16	with	with	ADP
amfbr-133	133	17	non	non	ADJ
amfbr-133	133	18	-	-	ADJ
amfbr-133	133	19	performing	perform	VERB
amfbr-133	133	20	assets	asset	NOUN
amfbr-133	133	21	:	:	PUNCT
amfbr-133	133	22	an	an	DET
amfbr-133	133	23	analysis	analysis	NOUN
amfbr-133	133	24	of	of	ADP
amfbr-133	133	25	npas	npa	NOUN
amfbr-133	133	26	,	,	PUNCT
amfbr-133	133	27	yojna	yojna	NOUN
amfbr-133	133	28	,	,	PUNCT
amfbr-133	133	29	5	5	NUM
amfbr-133	133	30	-	-	SYM
amfbr-133	133	31	9	9	NUM
amfbr-133	133	32	.	.	PUNCT
amfbr-133	134	1	chaitanya	chaitanya	PROPN
amfbr-133	134	2	v	v	PROPN
amfbr-133	134	3	krishna	krishna	PROPN
amfbr-133	134	4	(	(	PUNCT
amfbr-133	134	5	2004	2004	NUM
amfbr-133	134	6	)	)	PUNCT
amfbr-133	134	7	.	.	PUNCT
amfbr-133	135	1	causes	cause	NOUN
amfbr-133	135	2	of	of	ADP
amfbr-133	135	3	non	non	ADJ
amfbr-133	135	4	-	-	ADJ
amfbr-133	135	5	performing	perform	VERB
amfbr-133	135	6	assets	asset	NOUN
amfbr-133	135	7	in	in	ADP
amfbr-133	135	8	public	public	ADJ
amfbr-133	135	9	sector	sector	NOUN
amfbr-133	135	10	banks	bank	NOUN
amfbr-133	135	11	.	.	PUNCT
amfbr-133	136	1	economic	economic	ADJ
amfbr-133	136	2	research	research	NOUN
amfbr-133	136	3	,	,	PUNCT
amfbr-133	136	4	17(1	17(1	NUM
amfbr-133	136	5	):	):	PUNCT
amfbr-133	136	6	16	16	NUM
amfbr-133	136	7	-	-	SYM
amfbr-133	136	8	30	30	NUM
amfbr-133	136	9	.	.	PUNCT
amfbr-133	137	1	dash	dash	NOUN
amfbr-133	137	2	,	,	PUNCT
amfbr-133	137	3	mk	mk	PROPN
amfbr-133	137	4	.	.	PROPN
amfbr-133	137	5	,	,	PUNCT
amfbr-133	137	6	&	&	CCONJ
amfbr-133	137	7	kabra	kabra	PROPN
amfbr-133	137	8	,	,	PUNCT
amfbr-133	137	9	g.	g.	PROPN
amfbr-133	137	10	(	(	PUNCT
amfbr-133	137	11	2010	2010	NUM
amfbr-133	137	12	)	)	PUNCT
amfbr-133	137	13	.	.	PUNCT
amfbr-133	138	1	the	the	DET
amfbr-133	138	2	determinants	determinant	NOUN
amfbr-133	138	3	of	of	ADP
amfbr-133	138	4	non	non	ADJ
amfbr-133	138	5	-	-	ADJ
amfbr-133	138	6	performing	perform	VERB
amfbr-133	138	7	assets	asset	NOUN
amfbr-133	138	8	in	in	ADP
amfbr-133	138	9	indian	indian	ADJ
amfbr-133	138	10	commercial	commercial	ADJ
amfbr-133	138	11	banks	bank	NOUN
amfbr-133	138	12	:	:	PUNCT
amfbr-133	138	13	an	an	DET
amfbr-133	138	14	econometric	econometric	ADJ
amfbr-133	138	15	study	study	NOUN
amfbr-133	138	16	,	,	PUNCT
amfbr-133	138	17	middle	middle	ADJ
amfbr-133	138	18	eastern	eastern	ADJ
amfbr-133	138	19	finance	finance	NOUN
amfbr-133	138	20	and	and	CCONJ
amfbr-133	138	21	economics,7	economics,7	NOUN
amfbr-133	138	22	.	.	PUNCT
amfbr-133	139	1	kaviths	kaviths	PROPN
amfbr-133	139	2	n	n	PROPN
amfbr-133	139	3	(	(	PUNCT
amfbr-133	139	4	2012	2012	NUM
amfbr-133	139	5	)	)	PUNCT
amfbr-133	139	6	,	,	PUNCT
amfbr-133	139	7	“	"	PUNCT
amfbr-133	139	8	npas	npas	NOUN
amfbr-133	139	9	of	of	ADP
amfbr-133	139	10	scheduled	schedule	VERB
amfbr-133	139	11	commercial	commercial	ADJ
amfbr-133	139	12	banks	bank	NOUN
amfbr-133	139	13	in	in	ADP
amfbr-133	139	14	indiaa	indiaa	ADJ
amfbr-133	139	15	case	case	NOUN
amfbr-133	139	16	analysis”,global	analysis”,global	PROPN
amfbr-133	139	17	journal	journal	NOUN
amfbr-133	139	18	of	of	ADP
amfbr-133	139	19	arts	art	NOUN
amfbr-133	139	20	and	and	CCONJ
amfbr-133	139	21	management	management	NOUN
amfbr-133	139	22	.	.	PUNCT
amfbr-133	140	1	naveenan	naveenan	ADJ
amfbr-133	140	2	,	,	PUNCT
amfbr-133	140	3	rv&vijayakumar	rv&vijayakumar	NOUN
amfbr-133	140	4	,	,	PUNCT
amfbr-133	140	5	t(2014):”npa	t(2014):”npa	NOUN
amfbr-133	140	6	-a	-a	X
amfbr-133	140	7	humangous	humangous	ADJ
amfbr-133	140	8	burdenon	burdenon	PROPN
amfbr-133	140	9	bank	bank	NOUN
amfbr-133	140	10	’s	’s	PART
amfbr-133	140	11	shoulders”,asia	shoulders”,asia	PROPN
amfbr-133	140	12	pacific	pacific	PROPN
amfbr-133	140	13	journal	journal	PROPN
amfbr-133	140	14	of	of	ADP
amfbr-133	140	15	marketing	marketing	PROPN
amfbr-133	140	16	&	&	CCONJ
amfbr-133	140	17	management	management	NOUN
amfbr-133	140	18	review,3(5),7	review,3(5),7	PROPN
amfbr-133	140	19	-	-	PROPN
amfbr-133	140	20	16	16	NUM
amfbr-133	140	21	.	.	PUNCT
amfbr-133	141	1	rajaraman	rajaraman	NOUN
amfbr-133	141	2	,	,	PUNCT
amfbr-133	141	3	i	i	PRON
amfbr-133	141	4	&	&	CCONJ
amfbr-133	141	5	vashistha	vashistha	PROPN
amfbr-133	141	6	,	,	PUNCT
amfbr-133	141	7	g	g	PROPN
amfbr-133	141	8	(	(	PUNCT
amfbr-133	141	9	2002	2002	NUM
amfbr-133	141	10	):	):	PUNCT
amfbr-133	141	11	“	"	PUNCT
amfbr-133	141	12	non	non	ADJ
amfbr-133	141	13	-	-	ADJ
amfbr-133	141	14	performing	performing	ADJ
amfbr-133	141	15	loans	loan	NOUN
amfbr-133	141	16	of	of	ADP
amfbr-133	141	17	indian	indian	ADJ
amfbr-133	141	18	public	public	ADJ
amfbr-133	141	19	sector	sector	NOUN
amfbr-133	141	20	banks	bank	NOUN
amfbr-133	141	21	-some	-some	PROPN
amfbr-133	141	22	panel	panel	NOUN
amfbr-133	141	23	results‟	results‟	ADJ
amfbr-133	141	24	,	,	PUNCT
amfbr-133	141	25	economic	economic	ADJ
amfbr-133	141	26	&	&	CCONJ
amfbr-133	141	27	political	political	ADJ
amfbr-133	141	28	weekly	weekly	ADJ
amfbr-133	141	29	satpathy	satpathy	NOUN
amfbr-133	141	30	and	and	CCONJ
amfbr-133	141	31	patnaik	patnaik	NOUN
amfbr-133	141	32	,	,	PUNCT
amfbr-133	141	33	(	(	PUNCT
amfbr-133	141	34	2012	2012	NUM
amfbr-133	141	35	)	)	PUNCT
amfbr-133	141	36	,	,	PUNCT
amfbr-133	141	37	“	"	PUNCT
amfbr-133	141	38	portfolio	portfolio	NOUN
amfbr-133	141	39	of	of	ADP
amfbr-133	141	40	npaby	npaby	ADV
amfbr-133	141	41	classification	classification	NOUN
amfbr-133	141	42	of	of	ADP
amfbr-133	141	43	banks	bank	NOUN
amfbr-133	141	44	”	"	PUNCT
amfbr-133	141	45	.	.	PUNCT
amfbr-133	142	1	bvmir	bvmir	PROPN
amfbr-133	142	2	management	management	PROPN
amfbr-133	142	3	edge	edge	NOUN
amfbr-133	142	4	.	.	PUNCT
amfbr-133	143	1	naveenan	naveenan	ADJ
amfbr-133	143	2	,	,	PUNCT
amfbr-133	143	3	rv,”warning	rv,”warne	VERB
amfbr-133	143	4	signals	signal	VERB
amfbr-133	143	5	a	a	DET
amfbr-133	143	6	tool	tool	NOUN
amfbr-133	143	7	to	to	PART
amfbr-133	143	8	control	control	VERB
amfbr-133	143	9	npa	npa	PROPN
amfbr-133	143	10	in	in	ADP
amfbr-133	143	11	banks	bank	NOUN
amfbr-133	143	12	”	"	PUNCT
amfbr-133	143	13	,	,	PUNCT
amfbr-133	143	14	international	international	ADJ
amfbr-133	143	15	journal	journal	NOUN
amfbr-133	143	16	of	of	ADP
amfbr-133	143	17	advance	advance	NOUN
amfbr-133	143	18	research	research	NOUN
amfbr-133	143	19	in	in	ADP
amfbr-133	143	20	computer	computer	NOUN
amfbr-133	143	21	science	science	NOUN
amfbr-133	143	22	and	and	CCONJ
amfbr-133	143	23	management	management	NOUN
amfbr-133	143	24	studies,4(7	studies,4(7	ADV
amfbr-133	143	25	)	)	PUNCT
amfbr-133	143	26	,	,	PUNCT
amfbr-133	143	27	280	280	NUM
amfbr-133	143	28	-	-	SYM
amfbr-133	143	29	288	288	NUM
amfbr-133	143	30	.	.	PUNCT
amfbr-133	144	1	naveenan	naveenan	ADJ
amfbr-133	144	2	,	,	PUNCT
amfbr-133	144	3	r.v.2016.a	r.v.2016.a	ADJ
amfbr-133	144	4	study	study	NOUN
amfbr-133	144	5	on	on	ADP
amfbr-133	144	6	handling	handle	VERB
amfbr-133	144	7	non	non	ADJ
amfbr-133	144	8	-	-	ADJ
amfbr-133	144	9	performing	perform	VERB
amfbr-133	144	10	assets	asset	NOUN
amfbr-133	144	11	with	with	ADP
amfbr-133	144	12	special	special	ADJ
amfbr-133	144	13	reference	reference	NOUN
amfbr-133	144	14	to	to	ADP
amfbr-133	144	15	public	public	ADJ
amfbr-133	144	16	sector	sector	NOUN
amfbr-133	144	17	banks	bank	NOUN
amfbr-133	144	18	in	in	ADP
amfbr-133	144	19	kanyakumari	kanyakumari	PROPN
amfbr-133	144	20	district(phd	district(phd	PROPN
amfbr-133	144	21	thesis).manonmaniam	thesis).manonmaniam	PROPN
amfbr-133	144	22	sundaranar	sundaranar	PROPN
amfbr-133	144	23	university	university	PROPN
amfbr-133	144	24	,	,	PUNCT
amfbr-133	144	25	tirunelveli	tirunelveli	PROPN
amfbr-133	144	26	,	,	PUNCT
amfbr-133	144	27	tamil	tamil	PROPN
amfbr-133	144	28	nadu	nadu	PROPN
amfbr-133	144	29	,	,	PUNCT
amfbr-133	144	30	india	india	PROPN
amfbr-133	144	31	.	.	PUNCT
amfbr-133	145	1	copyrights	copyright	VERB
amfbr-133	145	2	copyright	copyright	NOUN
amfbr-133	145	3	for	for	ADP
amfbr-133	145	4	this	this	DET
amfbr-133	145	5	article	article	NOUN
amfbr-133	145	6	is	be	AUX
amfbr-133	145	7	retained	retain	VERB
amfbr-133	145	8	by	by	ADP
amfbr-133	145	9	the	the	DET
amfbr-133	145	10	author(s	author(s	PROPN
amfbr-133	145	11	)	)	PUNCT
amfbr-133	145	12	,	,	PUNCT
amfbr-133	145	13	with	with	ADP
amfbr-133	145	14	first	first	ADJ
amfbr-133	145	15	publication	publication	NOUN
amfbr-133	145	16	rights	right	NOUN
amfbr-133	145	17	granted	grant	VERB
amfbr-133	145	18	to	to	ADP
amfbr-133	145	19	the	the	DET
amfbr-133	145	20	journal	journal	NOUN
amfbr-133	145	21	.	.	PUNCT
amfbr-133	146	1	this	this	PRON
amfbr-133	146	2	is	be	AUX
amfbr-133	146	3	an	an	DET
amfbr-133	146	4	open	open	ADJ
amfbr-133	146	5	-	-	PUNCT
amfbr-133	146	6	access	access	NOUN
amfbr-133	146	7	article	article	NOUN
amfbr-133	146	8	distributed	distribute	VERB
amfbr-133	146	9	under	under	ADP
amfbr-133	146	10	the	the	DET
amfbr-133	146	11	terms	term	NOUN
amfbr-133	146	12	and	and	CCONJ
amfbr-133	146	13	conditions	condition	NOUN
amfbr-133	146	14	of	of	ADP
amfbr-133	146	15	the	the	DET
amfbr-133	146	16	creative	creative	ADJ
amfbr-133	146	17	commons	common	NOUN
amfbr-133	146	18	attribution	attribution	NOUN
amfbr-133	146	19	license	license	NOUN
amfbr-133	146	20	(	(	PUNCT
amfbr-133	146	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
amfbr-133	146	22	)	)	PUNCT
amfbr-133	146	23	.	.	PUNCT