id	sid	tid	token	lemma	pos
amfbr-216	1	1	american	american	PROPN
amfbr-216	1	2	finance	finance	PROPN
amfbr-216	1	3	&	&	CCONJ
amfbr-216	1	4	banking	banking	PROPN
amfbr-216	1	5	review	review	PROPN
amfbr-216	1	6	;	;	PUNCT
amfbr-216	1	7	vol	vol	NOUN
amfbr-216	1	8	.	.	PROPN
amfbr-216	2	1	3	3	NUM
amfbr-216	2	2	,	,	PUNCT
amfbr-216	2	3	no	no	INTJ
amfbr-216	2	4	.	.	NOUN
amfbr-216	2	5	1	1	NUM
amfbr-216	2	6	;	;	PUNCT
amfbr-216	2	7	2018	2018	NUM
amfbr-216	2	8	issn	issn	VERB
amfbr-216	2	9	2576	2576	NUM
amfbr-216	2	10	-	-	SYM
amfbr-216	2	11	1226	1226	NUM
amfbr-216	2	12	e	e	NOUN
amfbr-216	2	13	-	-	NOUN
amfbr-216	2	14	issn	issn	VERB
amfbr-216	2	15	2576	2576	NUM
amfbr-216	2	16	-	-	SYM
amfbr-216	2	17	1234	1234	NUM
amfbr-216	2	18	impact	impact	NOUN
amfbr-216	2	19	factor	factor	NOUN
amfbr-216	2	20	:	:	PUNCT
amfbr-216	2	21	4.1	4.1	NUM
amfbr-216	2	22	published	publish	VERB
amfbr-216	2	23	by	by	ADP
amfbr-216	2	24	centre	centre	NOUN
amfbr-216	2	25	for	for	ADP
amfbr-216	2	26	research	research	NOUN
amfbr-216	2	27	on	on	ADP
amfbr-216	2	28	islamic	islamic	ADJ
amfbr-216	2	29	banking	banking	PROPN
amfbr-216	2	30	&	&	CCONJ
amfbr-216	2	31	finance	finance	PROPN
amfbr-216	2	32	and	and	CCONJ
amfbr-216	2	33	business	business	NOUN
amfbr-216	2	34	26	26	NUM
amfbr-216	2	35	challenges	challenge	NOUN
amfbr-216	2	36	of	of	ADP
amfbr-216	2	37	the	the	DET
amfbr-216	2	38	nigerian	nigerian	ADJ
amfbr-216	2	39	banking	banking	NOUN
amfbr-216	2	40	sector	sector	NOUN
amfbr-216	2	41	and	and	CCONJ
amfbr-216	2	42	the	the	DET
amfbr-216	2	43	way	way	NOUN
amfbr-216	2	44	forward	forward	ADV
amfbr-216	2	45	ibrahim	ibrahim	PROPN
amfbr-216	2	46	aliyu	aliyu	PROPN
amfbr-216	2	47	gololo	gololo	VERB
amfbr-216	2	48	department	department	NOUN
amfbr-216	2	49	of	of	ADP
amfbr-216	2	50	accounting	accounting	NOUN
amfbr-216	2	51	faculty	faculty	NOUN
amfbr-216	2	52	of	of	ADP
amfbr-216	2	53	social	social	ADJ
amfbr-216	2	54	and	and	CCONJ
amfbr-216	2	55	management	management	NOUN
amfbr-216	2	56	science	science	PROPN
amfbr-216	2	57	bauchi	bauchi	PROPN
amfbr-216	2	58	state	state	PROPN
amfbr-216	2	59	university	university	NOUN
amfbr-216	2	60	gadau	gadau	NOUN
amfbr-216	2	61	,	,	PUNCT
amfbr-216	2	62	bauchi	bauchi	ADJ
amfbr-216	2	63	,	,	PUNCT
amfbr-216	2	64	nigeria	nigeria	PROPN
amfbr-216	2	65	tel:+234	tel:+234	PROPN
amfbr-216	2	66	8036312938/08026903796	8036312938/08026903796	NUM
amfbr-216	2	67	email	email	NOUN
amfbr-216	2	68	:	:	PUNCT
amfbr-216	2	69	aliyugololo2@gmail.com	aliyugololo2@gmail.com	X
amfbr-216	2	70	received	receive	VERB
amfbr-216	2	71	:	:	PUNCT
amfbr-216	2	72	december	december	PROPN
amfbr-216	2	73	1	1	NUM
amfbr-216	2	74	,	,	PUNCT
amfbr-216	2	75	2018	2018	NUM
amfbr-216	2	76	accepted	accept	VERB
amfbr-216	2	77	:	:	PUNCT
amfbr-216	2	78	december	december	PROPN
amfbr-216	2	79	10	10	NUM
amfbr-216	2	80	,	,	PUNCT
amfbr-216	2	81	2018	2018	NUM
amfbr-216	2	82	online	online	ADV
amfbr-216	2	83	published	publish	VERB
amfbr-216	2	84	:	:	PUNCT
amfbr-216	2	85	december	december	PROPN
amfbr-216	2	86	14	14	NUM
amfbr-216	2	87	,	,	PUNCT
amfbr-216	2	88	2018	2018	NUM
amfbr-216	2	89	abstract	abstract	ADJ
amfbr-216	2	90	nigerian	nigerian	ADJ
amfbr-216	2	91	banking	banking	NOUN
amfbr-216	2	92	sector	sector	NOUN
amfbr-216	2	93	struggle	struggle	NOUN
amfbr-216	2	94	with	with	ADP
amfbr-216	2	95	challenges	challenge	NOUN
amfbr-216	2	96	in	in	ADP
amfbr-216	2	97	the	the	DET
amfbr-216	2	98	day	day	NOUN
amfbr-216	2	99	to	to	ADP
amfbr-216	2	100	day	day	NOUN
amfbr-216	2	101	running	run	VERB
amfbr-216	2	102	of	of	ADP
amfbr-216	2	103	their	their	PRON
amfbr-216	2	104	business	business	NOUN
amfbr-216	2	105	activities	activity	NOUN
amfbr-216	2	106	,	,	PUNCT
amfbr-216	2	107	challenges	challenge	NOUN
amfbr-216	2	108	are	be	AUX
amfbr-216	2	109	enormous	enormous	ADJ
amfbr-216	2	110	and	and	CCONJ
amfbr-216	2	111	can	can	AUX
amfbr-216	2	112	either	either	CCONJ
amfbr-216	2	113	be	be	AUX
amfbr-216	2	114	market	market	NOUN
amfbr-216	2	115	or	or	CCONJ
amfbr-216	2	116	operational	operational	ADJ
amfbr-216	2	117	challenges	challenge	NOUN
amfbr-216	2	118	and	and	CCONJ
amfbr-216	2	119	regulatory	regulatory	ADJ
amfbr-216	2	120	or	or	CCONJ
amfbr-216	2	121	reforms	reform	NOUN
amfbr-216	2	122	challenges	challenge	NOUN
amfbr-216	2	123	instituted	institute	VERB
amfbr-216	2	124	by	by	ADP
amfbr-216	2	125	the	the	DET
amfbr-216	2	126	regulatory	regulatory	ADJ
amfbr-216	2	127	agencies	agency	NOUN
amfbr-216	2	128	such	such	ADJ
amfbr-216	2	129	as	as	ADP
amfbr-216	2	130	cbn	cbn	PROPN
amfbr-216	2	131	,	,	PUNCT
amfbr-216	2	132	ndic	ndic	ADJ
amfbr-216	2	133	,	,	PUNCT
amfbr-216	2	134	sec	sec	PROPN
amfbr-216	2	135	and	and	CCONJ
amfbr-216	2	136	cibn	cibn	PROPN
amfbr-216	2	137	etc	etc	X
amfbr-216	2	138	.	.	X
amfbr-216	3	1	therefore	therefore	ADV
amfbr-216	3	2	,	,	PUNCT
amfbr-216	3	3	this	this	DET
amfbr-216	3	4	paper	paper	NOUN
amfbr-216	3	5	seeks	seek	VERB
amfbr-216	3	6	to	to	PART
amfbr-216	3	7	examine	examine	VERB
amfbr-216	3	8	the	the	DET
amfbr-216	3	9	challenges	challenge	NOUN
amfbr-216	3	10	facing	face	VERB
amfbr-216	3	11	the	the	DET
amfbr-216	3	12	nigerian	nigerian	ADJ
amfbr-216	3	13	banking	banking	NOUN
amfbr-216	3	14	sector	sector	NOUN
amfbr-216	3	15	and	and	CCONJ
amfbr-216	3	16	proper	proper	ADJ
amfbr-216	3	17	possible	possible	ADJ
amfbr-216	3	18	solutions	solution	NOUN
amfbr-216	3	19	to	to	ADP
amfbr-216	3	20	the	the	DET
amfbr-216	3	21	challenges	challenge	NOUN
amfbr-216	3	22	based	base	VERB
amfbr-216	3	23	on	on	ADP
amfbr-216	3	24	the	the	DET
amfbr-216	3	25	prevailing	prevail	VERB
amfbr-216	3	26	economic	economic	ADJ
amfbr-216	3	27	environment	environment	NOUN
amfbr-216	3	28	.	.	PUNCT
amfbr-216	4	1	the	the	DET
amfbr-216	4	2	paper	paper	NOUN
amfbr-216	4	3	utilized	utilize	VERB
amfbr-216	4	4	questionnaires	questionnaire	NOUN
amfbr-216	4	5	as	as	ADP
amfbr-216	4	6	source	source	NOUN
amfbr-216	4	7	of	of	ADP
amfbr-216	4	8	data	data	NOUN
amfbr-216	4	9	collection	collection	NOUN
amfbr-216	4	10	,	,	PUNCT
amfbr-216	4	11	fifteen	fifteen	NUM
amfbr-216	4	12	out	out	ADP
amfbr-216	4	13	of	of	ADP
amfbr-216	4	14	24	24	NUM
amfbr-216	4	15	banks	bank	NOUN
amfbr-216	4	16	were	be	AUX
amfbr-216	4	17	selected	select	VERB
amfbr-216	4	18	based	base	VERB
amfbr-216	4	19	on	on	ADP
amfbr-216	4	20	purposive	purposive	ADJ
amfbr-216	4	21	sampling	sampling	NOUN
amfbr-216	4	22	method	method	NOUN
amfbr-216	4	23	.	.	PUNCT
amfbr-216	5	1	chi	chi	ADJ
amfbr-216	5	2	-	-	PUNCT
amfbr-216	5	3	square	square	NOUN
amfbr-216	5	4	(	(	PUNCT
amfbr-216	5	5	x	x	SYM
amfbr-216	5	6	2	2	X
amfbr-216	5	7	)	)	PUNCT
amfbr-216	5	8	method	method	NOUN
amfbr-216	5	9	was	be	AUX
amfbr-216	5	10	adopted	adopt	VERB
amfbr-216	5	11	as	as	ADP
amfbr-216	5	12	a	a	DET
amfbr-216	5	13	statistical	statistical	ADJ
amfbr-216	5	14	tool	tool	NOUN
amfbr-216	5	15	of	of	ADP
amfbr-216	5	16	data	datum	NOUN
amfbr-216	5	17	analysis	analysis	NOUN
amfbr-216	5	18	to	to	PART
amfbr-216	5	19	analyze	analyze	VERB
amfbr-216	5	20	the	the	DET
amfbr-216	5	21	collected	collect	VERB
amfbr-216	5	22	data	datum	NOUN
amfbr-216	5	23	.	.	PUNCT
amfbr-216	6	1	the	the	DET
amfbr-216	6	2	result	result	NOUN
amfbr-216	6	3	reveals	reveal	VERB
amfbr-216	6	4	that	that	SCONJ
amfbr-216	6	5	myriad	myriad	NOUN
amfbr-216	6	6	of	of	ADP
amfbr-216	6	7	challenges	challenge	NOUN
amfbr-216	6	8	exist	exist	VERB
amfbr-216	6	9	in	in	ADP
amfbr-216	6	10	the	the	DET
amfbr-216	6	11	nigerian	nigerian	ADJ
amfbr-216	6	12	banking	banking	NOUN
amfbr-216	6	13	sector	sector	NOUN
amfbr-216	6	14	some	some	PRON
amfbr-216	6	15	of	of	ADP
amfbr-216	6	16	which	which	PRON
amfbr-216	6	17	are	be	AUX
amfbr-216	6	18	challenges	challenge	NOUN
amfbr-216	6	19	both	both	CCONJ
amfbr-216	6	20	within	within	ADP
amfbr-216	6	21	and	and	CCONJ
amfbr-216	6	22	outside	outside	ADP
amfbr-216	6	23	nigeria	nigeria	PROPN
amfbr-216	6	24	.	.	PUNCT
amfbr-216	7	1	banks	bank	NOUN
amfbr-216	7	2	are	be	AUX
amfbr-216	7	3	left	leave	VERB
amfbr-216	7	4	behind	behind	ADV
amfbr-216	7	5	in	in	ADP
amfbr-216	7	6	technological	technological	ADJ
amfbr-216	7	7	innovation	innovation	NOUN
amfbr-216	7	8	aspect	aspect	NOUN
amfbr-216	7	9	of	of	ADP
amfbr-216	7	10	banking	banking	NOUN
amfbr-216	7	11	transactions	transaction	NOUN
amfbr-216	7	12	,	,	PUNCT
amfbr-216	7	13	movement	movement	NOUN
amfbr-216	7	14	of	of	ADP
amfbr-216	7	15	high	high	ADJ
amfbr-216	7	16	volume	volume	NOUN
amfbr-216	7	17	of	of	ADP
amfbr-216	7	18	deposit	deposit	NOUN
amfbr-216	7	19	or	or	CCONJ
amfbr-216	7	20	capital	capital	NOUN
amfbr-216	7	21	flight	flight	NOUN
amfbr-216	7	22	to	to	ADP
amfbr-216	7	23	foreign	foreign	ADJ
amfbr-216	7	24	banks	bank	NOUN
amfbr-216	7	25	by	by	ADP
amfbr-216	7	26	the	the	DET
amfbr-216	7	27	political	political	ADJ
amfbr-216	7	28	class	class	NOUN
amfbr-216	7	29	which	which	PRON
amfbr-216	7	30	reduce	reduce	VERB
amfbr-216	7	31	banks	bank	NOUN
amfbr-216	7	32	opportunity	opportunity	NOUN
amfbr-216	7	33	to	to	PART
amfbr-216	7	34	expand	expand	VERB
amfbr-216	7	35	their	their	PRON
amfbr-216	7	36	market	market	NOUN
amfbr-216	7	37	base	base	NOUN
amfbr-216	7	38	and	and	CCONJ
amfbr-216	7	39	the	the	DET
amfbr-216	7	40	prevalent	prevalent	NOUN
amfbr-216	7	41	of	of	ADP
amfbr-216	7	42	fraud	fraud	NOUN
amfbr-216	7	43	in	in	ADP
amfbr-216	7	44	the	the	DET
amfbr-216	7	45	sector	sector	NOUN
amfbr-216	7	46	also	also	ADV
amfbr-216	7	47	hinders	hinder	VERB
amfbr-216	7	48	the	the	DET
amfbr-216	7	49	banks	bank	NOUN
amfbr-216	7	50	progress	progress	VERB
amfbr-216	7	51	,	,	PUNCT
amfbr-216	7	52	these	these	DET
amfbr-216	7	53	challenges	challenge	NOUN
amfbr-216	7	54	affects	affect	VERB
amfbr-216	7	55	the	the	DET
amfbr-216	7	56	sector	sector	NOUN
amfbr-216	7	57	to	to	PART
amfbr-216	7	58	compete	compete	VERB
amfbr-216	7	59	equally	equally	ADV
amfbr-216	7	60	with	with	ADP
amfbr-216	7	61	banking	banking	NOUN
amfbr-216	7	62	sector	sector	NOUN
amfbr-216	7	63	in	in	ADP
amfbr-216	7	64	the	the	DET
amfbr-216	7	65	developed	develop	VERB
amfbr-216	7	66	nations	nation	NOUN
amfbr-216	7	67	.	.	PUNCT
amfbr-216	8	1	however	however	ADV
amfbr-216	8	2	,	,	PUNCT
amfbr-216	8	3	we	we	PRON
amfbr-216	8	4	also	also	ADV
amfbr-216	8	5	found	find	VERB
amfbr-216	8	6	that	that	SCONJ
amfbr-216	8	7	the	the	DET
amfbr-216	8	8	challenges	challenge	NOUN
amfbr-216	8	9	does	do	AUX
amfbr-216	8	10	not	not	PART
amfbr-216	8	11	affect	affect	VERB
amfbr-216	8	12	their	their	PRON
amfbr-216	8	13	financial	financial	ADJ
amfbr-216	8	14	performance	performance	NOUN
amfbr-216	8	15	.	.	PUNCT
amfbr-216	9	1	it	it	PRON
amfbr-216	9	2	is	be	AUX
amfbr-216	9	3	recommended	recommend	VERB
amfbr-216	9	4	that	that	SCONJ
amfbr-216	9	5	that	that	DET
amfbr-216	9	6	government	government	NOUN
amfbr-216	9	7	and	and	CCONJ
amfbr-216	9	8	relevant	relevant	ADJ
amfbr-216	9	9	regulatory	regulatory	ADJ
amfbr-216	9	10	agencies	agency	NOUN
amfbr-216	9	11	should	should	AUX
amfbr-216	9	12	put	put	VERB
amfbr-216	9	13	heads	head	NOUN
amfbr-216	9	14	together	together	ADV
amfbr-216	9	15	to	to	PART
amfbr-216	9	16	render	render	VERB
amfbr-216	9	17	support	support	NOUN
amfbr-216	9	18	and	and	CCONJ
amfbr-216	9	19	address	address	VERB
amfbr-216	9	20	those	those	DET
amfbr-216	9	21	challenges	challenge	NOUN
amfbr-216	9	22	identified	identify	VERB
amfbr-216	9	23	that	that	PRON
amfbr-216	9	24	affect	affect	VERB
amfbr-216	9	25	the	the	DET
amfbr-216	9	26	sector	sector	NOUN
amfbr-216	9	27	,	,	PUNCT
amfbr-216	9	28	also	also	ADV
amfbr-216	9	29	nigerian	nigerian	ADJ
amfbr-216	9	30	banking	banking	NOUN
amfbr-216	9	31	sector	sector	NOUN
amfbr-216	9	32	should	should	AUX
amfbr-216	9	33	invest	invest	VERB
amfbr-216	9	34	in	in	ADP
amfbr-216	9	35	both	both	CCONJ
amfbr-216	9	36	technological	technological	ADJ
amfbr-216	9	37	innovation	innovation	NOUN
amfbr-216	9	38	and	and	CCONJ
amfbr-216	9	39	human	human	ADJ
amfbr-216	9	40	capital	capital	NOUN
amfbr-216	9	41	development	development	NOUN
amfbr-216	9	42	,	,	PUNCT
amfbr-216	9	43	they	they	PRON
amfbr-216	9	44	should	should	AUX
amfbr-216	9	45	imbibe	imbibe	VERB
amfbr-216	9	46	the	the	DET
amfbr-216	9	47	culture	culture	NOUN
amfbr-216	9	48	of	of	ADP
amfbr-216	9	49	good	good	ADJ
amfbr-216	9	50	corporate	corporate	ADJ
amfbr-216	9	51	governance	governance	NOUN
amfbr-216	9	52	and	and	CCONJ
amfbr-216	9	53	stick	stick	VERB
amfbr-216	9	54	to	to	ADP
amfbr-216	9	55	the	the	DET
amfbr-216	9	56	issue	issue	NOUN
amfbr-216	9	57	of	of	ADP
amfbr-216	9	58	banking	banking	NOUN
amfbr-216	9	59	ethics	ethic	NOUN
amfbr-216	9	60	and	and	CCONJ
amfbr-216	9	61	professionalism	professionalism	NOUN
amfbr-216	9	62	among	among	ADP
amfbr-216	9	63	others	other	NOUN
amfbr-216	9	64	.	.	PUNCT
amfbr-216	10	1	keywords	keyword	NOUN
amfbr-216	10	2	:	:	PUNCT
amfbr-216	10	3	banking	banking	NOUN
amfbr-216	10	4	sector	sector	NOUN
amfbr-216	10	5	,	,	PUNCT
amfbr-216	10	6	challenges	challenge	NOUN
amfbr-216	10	7	,	,	PUNCT
amfbr-216	10	8	nigeria	nigeria	PRON
amfbr-216	10	9	,	,	PUNCT
amfbr-216	10	10	nigerian	nigerian	ADJ
amfbr-216	10	11	economy	economy	NOUN
amfbr-216	10	12	.	.	PUNCT
amfbr-216	11	1	1	1	X
amfbr-216	11	2	.	.	X
amfbr-216	11	3	introduction	introduction	NOUN
amfbr-216	11	4	the	the	DET
amfbr-216	11	5	banking	banking	NOUN
amfbr-216	11	6	sector	sector	NOUN
amfbr-216	11	7	of	of	ADP
amfbr-216	11	8	any	any	DET
amfbr-216	11	9	nation	nation	NOUN
amfbr-216	11	10	is	be	AUX
amfbr-216	11	11	important	important	ADJ
amfbr-216	11	12	to	to	ADP
amfbr-216	11	13	the	the	DET
amfbr-216	11	14	size	size	NOUN
amfbr-216	11	15	of	of	ADP
amfbr-216	11	16	its	its	PRON
amfbr-216	11	17	economy	economy	NOUN
amfbr-216	11	18	.	.	PUNCT
amfbr-216	12	1	banking	banking	NOUN
amfbr-216	12	2	system	system	NOUN
amfbr-216	12	3	occupies	occupy	VERB
amfbr-216	12	4	a	a	DET
amfbr-216	12	5	unique	unique	ADJ
amfbr-216	12	6	position	position	NOUN
amfbr-216	12	7	in	in	ADP
amfbr-216	12	8	every	every	DET
amfbr-216	12	9	economy	economy	NOUN
amfbr-216	12	10	[	[	X
amfbr-216	12	11	kanayo	kanayo	NOUN
amfbr-216	12	12	&	&	CCONJ
amfbr-216	12	13	micheal	micheal	PROPN
amfbr-216	12	14	,	,	PUNCT
amfbr-216	12	15	2011	2011	NUM
amfbr-216	12	16	]	]	PUNCT
amfbr-216	12	17	.	.	PUNCT
amfbr-216	13	1	nigerian	nigerian	ADJ
amfbr-216	13	2	economy	economy	NOUN
amfbr-216	13	3	is	be	AUX
amfbr-216	13	4	not	not	PART
amfbr-216	13	5	an	an	DET
amfbr-216	13	6	exception	exception	NOUN
amfbr-216	13	7	.	.	PUNCT
amfbr-216	14	1	most	most	ADJ
amfbr-216	14	2	of	of	ADP
amfbr-216	14	3	the	the	DET
amfbr-216	14	4	developing	develop	VERB
amfbr-216	14	5	economy	economy	NOUN
amfbr-216	14	6	places	place	VERB
amfbr-216	14	7	more	more	ADJ
amfbr-216	14	8	responsibilities	responsibility	NOUN
amfbr-216	14	9	on	on	ADP
amfbr-216	14	10	the	the	DET
amfbr-216	14	11	banking	banking	NOUN
amfbr-216	14	12	sector	sector	NOUN
amfbr-216	14	13	to	to	PART
amfbr-216	14	14	support	support	VERB
amfbr-216	14	15	the	the	DET
amfbr-216	14	16	economic	economic	ADJ
amfbr-216	14	17	activities	activity	NOUN
amfbr-216	14	18	of	of	ADP
amfbr-216	14	19	the	the	DET
amfbr-216	14	20	nation	nation	NOUN
amfbr-216	14	21	.	.	PUNCT
amfbr-216	15	1	example	example	NOUN
amfbr-216	15	2	banks	bank	NOUN
amfbr-216	15	3	are	be	AUX
amfbr-216	15	4	expected	expect	VERB
amfbr-216	15	5	to	to	PART
amfbr-216	15	6	mobilize	mobilize	VERB
amfbr-216	15	7	the	the	DET
amfbr-216	15	8	needed	need	VERB
amfbr-216	15	9	capital	capital	NOUN
amfbr-216	15	10	to	to	PART
amfbr-216	15	11	facilitate	facilitate	VERB
amfbr-216	15	12	production	production	NOUN
amfbr-216	15	13	,	,	PUNCT
amfbr-216	15	14	generate	generate	VERB
amfbr-216	15	15	employment	employment	NOUN
amfbr-216	15	16	and	and	CCONJ
amfbr-216	15	17	income	income	NOUN
amfbr-216	15	18	.	.	PUNCT
amfbr-216	16	1	an	an	DET
amfbr-216	16	2	economy	economy	NOUN
amfbr-216	16	3	that	that	PRON
amfbr-216	16	4	does	do	AUX
amfbr-216	16	5	not	not	PART
amfbr-216	16	6	experience	experience	VERB
amfbr-216	16	7	growth	growth	NOUN
amfbr-216	16	8	on	on	ADP
amfbr-216	16	9	sustained	sustained	ADJ
amfbr-216	16	10	basis	basis	NOUN
amfbr-216	16	11	is	be	AUX
amfbr-216	16	12	likely	likely	ADJ
amfbr-216	16	13	to	to	PART
amfbr-216	16	14	have	have	VERB
amfbr-216	16	15	a	a	DET
amfbr-216	16	16	very	very	ADV
amfbr-216	16	17	passive	passive	ADJ
amfbr-216	16	18	financial	financial	ADJ
amfbr-216	16	19	sector	sector	NOUN
amfbr-216	16	20	as	as	SCONJ
amfbr-216	16	21	there	there	PRON
amfbr-216	16	22	are	be	VERB
amfbr-216	16	23	no	no	DET
amfbr-216	16	24	incentives	incentive	NOUN
amfbr-216	16	25	for	for	ADP
amfbr-216	16	26	investment	investment	NOUN
amfbr-216	17	1	[	[	X
amfbr-216	17	2	basil	basil	NOUN
amfbr-216	17	3	,	,	PUNCT
amfbr-216	17	4	2013	2013	NUM
amfbr-216	17	5	]	]	PUNCT
amfbr-216	17	6	.	.	PUNCT
amfbr-216	18	1	through	through	ADP
amfbr-216	18	2	the	the	DET
amfbr-216	18	3	process	process	NOUN
amfbr-216	18	4	of	of	ADP
amfbr-216	18	5	growth	growth	NOUN
amfbr-216	18	6	,	,	PUNCT
amfbr-216	18	7	banking	banking	NOUN
amfbr-216	18	8	system	system	NOUN
amfbr-216	18	9	offers	offer	VERB
amfbr-216	18	10	a	a	DET
amfbr-216	18	11	wide	wide	ADJ
amfbr-216	18	12	range	range	NOUN
amfbr-216	18	13	of	of	ADP
amfbr-216	18	14	portfolio	portfolio	NOUN
amfbr-216	18	15	options	option	NOUN
amfbr-216	18	16	for	for	ADP
amfbr-216	18	17	savers	saver	NOUN
amfbr-216	18	18	and	and	CCONJ
amfbr-216	18	19	issuable	issuable	ADJ
amfbr-216	18	20	instruments	instrument	NOUN
amfbr-216	18	21	for	for	ADP
amfbr-216	18	22	investors	investor	NOUN
amfbr-216	18	23	,	,	PUNCT
amfbr-216	18	24	a	a	DET
amfbr-216	18	25	function	function	NOUN
amfbr-216	18	26	often	often	ADV
amfbr-216	18	27	referred	refer	VERB
amfbr-216	18	28	to	to	ADP
amfbr-216	18	29	as	as	ADP
amfbr-216	18	30	financial	financial	ADJ
amfbr-216	18	31	intermediation	intermediation	NOUN
amfbr-216	18	32	.	.	PUNCT
amfbr-216	19	1	banks	bank	NOUN
amfbr-216	19	2	are	be	AUX
amfbr-216	19	3	known	know	VERB
amfbr-216	19	4	to	to	PART
amfbr-216	19	5	be	be	AUX
amfbr-216	19	6	one	one	NUM
amfbr-216	19	7	of	of	ADP
amfbr-216	19	8	the	the	DET
amfbr-216	19	9	major	major	ADJ
amfbr-216	19	10	player	player	NOUN
amfbr-216	19	11	in	in	ADP
amfbr-216	19	12	the	the	DET
amfbr-216	19	13	money	money	NOUN
amfbr-216	19	14	market	market	NOUN
amfbr-216	19	15	,	,	PUNCT
amfbr-216	19	16	they	they	PRON
amfbr-216	19	17	perform	perform	VERB
amfbr-216	19	18	very	very	ADV
amfbr-216	19	19	important	important	ADJ
amfbr-216	19	20	role	role	NOUN
amfbr-216	19	21	of	of	ADP
amfbr-216	19	22	intermediation	intermediation	NOUN
amfbr-216	19	23	,	,	PUNCT
amfbr-216	19	24	whereby	whereby	SCONJ
amfbr-216	19	25	ensuring	ensure	VERB
amfbr-216	19	26	mobilization	mobilization	NOUN
amfbr-216	19	27	of	of	ADP
amfbr-216	19	28	idle	idle	ADJ
amfbr-216	19	29	funds	fund	NOUN
amfbr-216	19	30	from	from	ADP
amfbr-216	19	31	the	the	DET
amfbr-216	19	32	surplus	surplus	ADJ
amfbr-216	19	33	sector	sector	NOUN
amfbr-216	19	34	of	of	ADP
amfbr-216	19	35	the	the	DET
amfbr-216	19	36	nigerian	nigerian	ADJ
amfbr-216	19	37	economy	economy	NOUN
amfbr-216	19	38	to	to	ADP
amfbr-216	19	39	the	the	DET
amfbr-216	19	40	deficit	deficit	NOUN
amfbr-216	19	41	sector	sector	NOUN
amfbr-216	19	42	.	.	PUNCT
amfbr-216	20	1	they	they	PRON
amfbr-216	20	2	also	also	ADV
amfbr-216	20	3	help	help	VERB
amfbr-216	20	4	government	government	NOUN
amfbr-216	20	5	to	to	PART
amfbr-216	20	6	implement	implement	VERB
amfbr-216	20	7	monetary	monetary	ADJ
amfbr-216	20	8	policy	policy	NOUN
amfbr-216	20	9	through	through	ADP
amfbr-216	20	10	issuance	issuance	NOUN
amfbr-216	20	11	of	of	ADP
amfbr-216	20	12	treasury	treasury	PROPN
amfbr-216	20	13	bills	bill	NOUN
amfbr-216	20	14	and	and	CCONJ
amfbr-216	20	15	government	government	NOUN
amfbr-216	20	16	bonds	bond	NOUN
amfbr-216	20	17	.	.	PUNCT
amfbr-216	21	1	it	it	PRON
amfbr-216	21	2	is	be	AUX
amfbr-216	21	3	generally	generally	ADV
amfbr-216	21	4	recognized	recognize	VERB
amfbr-216	21	5	worldwide	worldwide	ADV
amfbr-216	21	6	that	that	SCONJ
amfbr-216	21	7	the	the	DET
amfbr-216	21	8	banking	banking	NOUN
amfbr-216	21	9	sector	sector	NOUN
amfbr-216	21	10	plays	play	VERB
amfbr-216	21	11	a	a	DET
amfbr-216	21	12	catalyst	catalyst	NOUN
amfbr-216	21	13	role	role	NOUN
amfbr-216	21	14	in	in	ADP
amfbr-216	21	15	the	the	DET
amfbr-216	21	16	process	process	NOUN
amfbr-216	21	17	of	of	ADP
amfbr-216	21	18	economic	economic	ADJ
amfbr-216	21	19	development	development	NOUN
amfbr-216	22	1	[	[	X
amfbr-216	22	2	ekundayo	ekundayo	ADJ
amfbr-216	22	3	2011	2011	NUM
amfbr-216	22	4	]	]	PUNCT
amfbr-216	22	5	,	,	PUNCT
amfbr-216	22	6	as	as	SCONJ
amfbr-216	22	7	such	such	ADJ
amfbr-216	22	8	banking	banking	NOUN
amfbr-216	22	9	sector	sector	NOUN
amfbr-216	22	10	of	of	ADP
amfbr-216	22	11	any	any	DET
amfbr-216	22	12	nation	nation	NOUN
amfbr-216	22	13	is	be	AUX
amfbr-216	22	14	a	a	DET
amfbr-216	22	15	function	function	NOUN
amfbr-216	22	16	of	of	ADP
amfbr-216	22	17	the	the	DET
amfbr-216	22	18	size	size	NOUN
amfbr-216	22	19	of	of	ADP
amfbr-216	22	20	its	its	PRON
amfbr-216	22	21	economy	economy	NOUN
amfbr-216	22	22	.	.	PUNCT
amfbr-216	23	1	a	a	DET
amfbr-216	23	2	developing	develop	VERB
amfbr-216	23	3	economy	economy	NOUN
amfbr-216	23	4	places	place	VERB
amfbr-216	23	5	more	more	ADJ
amfbr-216	23	6	responsibilities	responsibility	NOUN
amfbr-216	23	7	on	on	ADP
amfbr-216	23	8	the	the	DET
amfbr-216	23	9	banking	banking	NOUN
amfbr-216	23	10	sector	sector	NOUN
amfbr-216	23	11	to	to	PART
amfbr-216	23	12	mobilize	mobilize	VERB
amfbr-216	23	13	the	the	DET
amfbr-216	23	14	needed	need	VERB
amfbr-216	23	15	capital	capital	NOUN
amfbr-216	23	16	to	to	PART
amfbr-216	23	17	facilitate	facilitate	VERB
amfbr-216	23	18	production	production	NOUN
amfbr-216	23	19	,	,	PUNCT
amfbr-216	23	20	generate	generate	VERB
amfbr-216	23	21	employment	employment	NOUN
amfbr-216	23	22	and	and	CCONJ
amfbr-216	23	23	income	income	NOUN
amfbr-216	23	24	.	.	PUNCT
amfbr-216	24	1	researchers	researcher	NOUN
amfbr-216	24	2	have	have	AUX
amfbr-216	24	3	argued	argue	VERB
amfbr-216	24	4	that	that	SCONJ
amfbr-216	24	5	financial	financial	ADJ
amfbr-216	24	6	sector	sector	NOUN
amfbr-216	24	7	challenges	challenge	NOUN
amfbr-216	24	8	should	should	AUX
amfbr-216	24	9	be	be	AUX
amfbr-216	24	10	promptly	promptly	ADV
amfbr-216	24	11	addressed	address	VERB
amfbr-216	24	12	so	so	SCONJ
amfbr-216	24	13	as	as	SCONJ
amfbr-216	24	14	to	to	PART
amfbr-216	24	15	avoid	avoid	VERB
amfbr-216	24	16	financial	financial	ADJ
amfbr-216	24	17	fragility	fragility	NOUN
amfbr-216	24	18	that	that	PRON
amfbr-216	24	19	may	may	AUX
amfbr-216	24	20	lead	lead	VERB
amfbr-216	24	21	to	to	ADP
amfbr-216	24	22	deterioration	deterioration	NOUN
amfbr-216	24	23	of	of	ADP
amfbr-216	24	24	economic	economic	ADJ
amfbr-216	24	25	activities	activity	NOUN
amfbr-216	24	26	.	.	PUNCT
amfbr-216	25	1	to	to	PART
amfbr-216	25	2	ensure	ensure	VERB
amfbr-216	25	3	challenges	challenge	NOUN
amfbr-216	25	4	and	and	CCONJ
amfbr-216	25	5	proper	proper	ADJ
amfbr-216	25	6	practices	practice	NOUN
amfbr-216	25	7	are	be	AUX
amfbr-216	25	8	carry	carry	VERB
amfbr-216	25	9	out	out	ADP
amfbr-216	25	10	the	the	DET
amfbr-216	25	11	government	government	NOUN
amfbr-216	25	12	came	come	VERB
amfbr-216	25	13	up	up	ADP
amfbr-216	25	14	with	with	ADP
amfbr-216	25	15	regulatory	regulatory	ADJ
amfbr-216	25	16	agencies	agency	NOUN
amfbr-216	25	17	such	such	ADJ
amfbr-216	25	18	as	as	ADP
amfbr-216	25	19	ndic	ndic	ADJ
amfbr-216	25	20	,	,	PUNCT
amfbr-216	25	21	sec	sec	PROPN
amfbr-216	25	22	,	,	PUNCT
amfbr-216	25	23	cbn	cbn	PROPN
amfbr-216	25	24	and	and	CCONJ
amfbr-216	25	25	nse	nse	NOUN
amfbr-216	25	26	and	and	CCONJ
amfbr-216	25	27	they	they	PRON
amfbr-216	25	28	came	come	VERB
amfbr-216	25	29	up	up	ADP
amfbr-216	25	30	with	with	ADP
amfbr-216	25	31	several	several	ADJ
amfbr-216	25	32	reforms	reform	NOUN
amfbr-216	25	33	agenda	agenda	NOUN
amfbr-216	25	34	in	in	ADP
amfbr-216	25	35	order	order	NOUN
amfbr-216	25	36	to	to	PART
amfbr-216	25	37	strengthen	strengthen	VERB
amfbr-216	25	38	not	not	PART
amfbr-216	25	39	only	only	ADV
amfbr-216	25	40	banking	banking	NOUN
amfbr-216	25	41	sector	sector	NOUN
amfbr-216	25	42	but	but	CCONJ
amfbr-216	25	43	the	the	DET
amfbr-216	25	44	whole	whole	ADJ
amfbr-216	25	45	financial	financial	ADJ
amfbr-216	25	46	sector	sector	NOUN
amfbr-216	25	47	of	of	ADP
amfbr-216	25	48	the	the	DET
amfbr-216	25	49	country	country	NOUN
amfbr-216	25	50	.	.	PUNCT
amfbr-216	26	1	since	since	SCONJ
amfbr-216	26	2	independence	independence	NOUN
amfbr-216	26	3	,	,	PUNCT
amfbr-216	26	4	the	the	DET
amfbr-216	26	5	nigerian	nigerian	ADJ
amfbr-216	26	6	financial	financial	ADJ
amfbr-216	26	7	system	system	NOUN
amfbr-216	26	8	is	be	AUX
amfbr-216	26	9	made	make	VERB
amfbr-216	26	10	up	up	ADP
amfbr-216	26	11	of	of	ADP
amfbr-216	26	12	financial	financial	ADJ
amfbr-216	26	13	institutions	institution	NOUN
amfbr-216	26	14	,	,	PUNCT
amfbr-216	26	15	such	such	ADJ
amfbr-216	26	16	as	as	ADP
amfbr-216	26	17	banks	bank	NOUN
amfbr-216	26	18	,	,	PUNCT
amfbr-216	26	19	insurance	insurance	NOUN
amfbr-216	26	20	companies	company	NOUN
amfbr-216	26	21	,	,	PUNCT
amfbr-216	26	22	specialized	specialized	ADJ
amfbr-216	26	23	mailto:aliyugololo2@gmail.com	mailto:aliyugololo2@gmail.com	PROPN
amfbr-216	26	24	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-216	26	25	american	american	PROPN
amfbr-216	26	26	finance	finance	PROPN
amfbr-216	26	27	&	&	CCONJ
amfbr-216	26	28	banking	banking	PROPN
amfbr-216	26	29	review	review	PROPN
amfbr-216	26	30	vol	vol	NOUN
amfbr-216	26	31	.	.	PROPN
amfbr-216	27	1	3	3	NUM
amfbr-216	27	2	,	,	PUNCT
amfbr-216	27	3	no	no	INTJ
amfbr-216	27	4	.	.	NOUN
amfbr-216	27	5	1	1	NUM
amfbr-216	27	6	;	;	PUNCT
amfbr-216	27	7	2018	2018	NUM
amfbr-216	27	8	27	27	NUM
amfbr-216	27	9	banks	bank	NOUN
amfbr-216	27	10	,	,	PUNCT
amfbr-216	27	11	capital	capital	NOUN
amfbr-216	27	12	market	market	NOUN
amfbr-216	27	13	,	,	PUNCT
amfbr-216	27	14	finance	finance	NOUN
amfbr-216	27	15	companies	company	NOUN
amfbr-216	27	16	,	,	PUNCT
amfbr-216	27	17	discount	discount	NOUN
amfbr-216	27	18	houses	house	NOUN
amfbr-216	27	19	,	,	PUNCT
amfbr-216	27	20	bureau	bureau	NOUN
amfbr-216	27	21	de	de	X
amfbr-216	27	22	change	change	PROPN
amfbr-216	27	23	,	,	PUNCT
amfbr-216	27	24	mortgage	mortgage	NOUN
amfbr-216	27	25	institutions	institution	NOUN
amfbr-216	27	26	,	,	PUNCT
amfbr-216	27	27	community	community	NOUN
amfbr-216	27	28	banks	bank	NOUN
amfbr-216	27	29	,	,	PUNCT
amfbr-216	27	30	and	and	CCONJ
amfbr-216	27	31	the	the	DET
amfbr-216	27	32	development	development	NOUN
amfbr-216	27	33	finance	finance	NOUN
amfbr-216	27	34	institutions	institution	NOUN
amfbr-216	27	35	(	(	PUNCT
amfbr-216	27	36	dfis	dfis	PROPN
amfbr-216	27	37	)	)	PUNCT
amfbr-216	27	38	,	,	PUNCT
amfbr-216	27	39	each	each	PRON
amfbr-216	27	40	covering	cover	VERB
amfbr-216	27	41	a	a	DET
amfbr-216	27	42	particular	particular	ADJ
amfbr-216	27	43	area	area	NOUN
amfbr-216	27	44	of	of	ADP
amfbr-216	27	45	activity	activity	NOUN
amfbr-216	27	46	or	or	CCONJ
amfbr-216	27	47	activities	activity	NOUN
amfbr-216	27	48	(	(	PUNCT
amfbr-216	27	49	ofanson	ofanson	NOUN
amfbr-216	27	50	,	,	PUNCT
amfbr-216	27	51	ukinamemen	ukinameman	NOUN
amfbr-216	27	52	and	and	CCONJ
amfbr-216	27	53	agbadua	agbadua	PROPN
amfbr-216	27	54	(	(	PUNCT
amfbr-216	27	55	2013	2013	NUM
amfbr-216	27	56	)	)	PUNCT
amfbr-216	27	57	.	.	PUNCT
amfbr-216	28	1	it	it	PRON
amfbr-216	28	2	performs	perform	VERB
amfbr-216	28	3	the	the	DET
amfbr-216	28	4	core	core	NOUN
amfbr-216	28	5	function	function	NOUN
amfbr-216	28	6	of	of	ADP
amfbr-216	28	7	financial	financial	ADJ
amfbr-216	28	8	intermediation	intermediation	NOUN
amfbr-216	28	9	,	,	PUNCT
amfbr-216	28	10	adequate	adequate	ADJ
amfbr-216	28	11	payment	payment	NOUN
amfbr-216	28	12	services	service	NOUN
amfbr-216	28	13	as	as	ADV
amfbr-216	28	14	well	well	ADV
amfbr-216	28	15	as	as	ADP
amfbr-216	28	16	the	the	DET
amfbr-216	28	17	fulcrum	fulcrum	NOUN
amfbr-216	28	18	for	for	ADP
amfbr-216	28	19	monetary	monetary	ADJ
amfbr-216	28	20	policy	policy	NOUN
amfbr-216	28	21	implementation	implementation	NOUN
amfbr-216	28	22	.	.	PUNCT
amfbr-216	29	1	the	the	DET
amfbr-216	29	2	nigerian	nigerian	ADJ
amfbr-216	29	3	financial	financial	ADJ
amfbr-216	29	4	system	system	NOUN
amfbr-216	29	5	has	have	AUX
amfbr-216	29	6	undergone	undergo	VERB
amfbr-216	29	7	several	several	ADJ
amfbr-216	29	8	evolutionary	evolutionary	ADJ
amfbr-216	29	9	stages	stage	NOUN
amfbr-216	29	10	ever	ever	ADV
amfbr-216	29	11	since	since	SCONJ
amfbr-216	29	12	the	the	DET
amfbr-216	29	13	independence	independence	NOUN
amfbr-216	29	14	of	of	ADP
amfbr-216	29	15	the	the	DET
amfbr-216	29	16	country	country	NOUN
amfbr-216	29	17	;	;	PUNCT
amfbr-216	29	18	foundation	foundation	NOUN
amfbr-216	29	19	phase	phase	NOUN
amfbr-216	29	20	,	,	PUNCT
amfbr-216	29	21	expansion	expansion	NOUN
amfbr-216	29	22	phase	phase	NOUN
amfbr-216	29	23	,	,	PUNCT
amfbr-216	29	24	consolidation	consolidation	NOUN
amfbr-216	29	25	and	and	CCONJ
amfbr-216	29	26	reform	reform	NOUN
amfbr-216	29	27	phase	phase	NOUN
amfbr-216	29	28	.	.	PUNCT
amfbr-216	30	1	the	the	DET
amfbr-216	30	2	phases	phase	NOUN
amfbr-216	30	3	marked	mark	VERB
amfbr-216	30	4	different	different	ADJ
amfbr-216	30	5	epochs	epoch	NOUN
amfbr-216	30	6	in	in	ADP
amfbr-216	30	7	the	the	DET
amfbr-216	30	8	evolution	evolution	NOUN
amfbr-216	30	9	of	of	ADP
amfbr-216	30	10	the	the	DET
amfbr-216	30	11	financial	financial	ADJ
amfbr-216	30	12	system	system	NOUN
amfbr-216	30	13	.	.	PUNCT
amfbr-216	31	1	1.1	1.1	NUM
amfbr-216	31	2	foundation	foundation	NOUN
amfbr-216	31	3	phase	phase	NOUN
amfbr-216	31	4	this	this	DET
amfbr-216	31	5	phase	phase	NOUN
amfbr-216	31	6	focuses	focus	VERB
amfbr-216	31	7	on	on	ADP
amfbr-216	31	8	the	the	DET
amfbr-216	31	9	establishment	establishment	NOUN
amfbr-216	31	10	of	of	ADP
amfbr-216	31	11	institutions	institution	NOUN
amfbr-216	31	12	and	and	CCONJ
amfbr-216	31	13	development	development	NOUN
amfbr-216	31	14	of	of	ADP
amfbr-216	31	15	necessary	necessary	ADJ
amfbr-216	31	16	legislative	legislative	ADJ
amfbr-216	31	17	framework	framework	NOUN
amfbr-216	31	18	.	.	PUNCT
amfbr-216	32	1	the	the	DET
amfbr-216	32	2	phase	phase	NOUN
amfbr-216	32	3	is	be	AUX
amfbr-216	32	4	approximately	approximately	ADV
amfbr-216	32	5	from	from	ADP
amfbr-216	32	6	1950	1950	NUM
amfbr-216	32	7	to	to	ADP
amfbr-216	32	8	1970	1970	NUM
amfbr-216	32	9	.	.	PUNCT
amfbr-216	33	1	during	during	ADP
amfbr-216	33	2	this	this	DET
amfbr-216	33	3	period	period	NOUN
amfbr-216	33	4	,	,	PUNCT
amfbr-216	33	5	the	the	DET
amfbr-216	33	6	central	central	ADJ
amfbr-216	33	7	bank	bank	PROPN
amfbr-216	33	8	of	of	ADP
amfbr-216	33	9	nigeria	nigeria	PROPN
amfbr-216	33	10	(	(	PUNCT
amfbr-216	33	11	cbn	cbn	PROPN
amfbr-216	33	12	)	)	PUNCT
amfbr-216	33	13	,	,	PUNCT
amfbr-216	33	14	the	the	DET
amfbr-216	33	15	apex	apex	ADJ
amfbr-216	33	16	regulatory	regulatory	ADJ
amfbr-216	33	17	authority	authority	NOUN
amfbr-216	33	18	in	in	ADP
amfbr-216	33	19	the	the	DET
amfbr-216	33	20	nigerian	nigerian	ADJ
amfbr-216	33	21	financial	financial	ADJ
amfbr-216	33	22	sector	sector	NOUN
amfbr-216	33	23	was	be	AUX
amfbr-216	33	24	established	establish	VERB
amfbr-216	33	25	.	.	PUNCT
amfbr-216	34	1	the	the	DET
amfbr-216	34	2	cbn	cbn	PROPN
amfbr-216	34	3	derives	derive	VERB
amfbr-216	34	4	its	its	PRON
amfbr-216	34	5	legal	legal	ADJ
amfbr-216	34	6	authority	authority	NOUN
amfbr-216	34	7	from	from	ADP
amfbr-216	34	8	the	the	DET
amfbr-216	34	9	cbn	cbn	PROPN
amfbr-216	34	10	act	act	NOUN
amfbr-216	35	1	no	no	DET
amfbr-216	35	2	.	.	NOUN
amfbr-216	35	3	24	24	NUM
amfbr-216	35	4	0f	0f	NOUN
amfbr-216	35	5	1991	1991	NUM
amfbr-216	35	6	(	(	PUNCT
amfbr-216	35	7	amended	amend	VERB
amfbr-216	35	8	in	in	ADP
amfbr-216	35	9	1997	1997	NUM
amfbr-216	35	10	,	,	PUNCT
amfbr-216	35	11	1998	1998	NUM
amfbr-216	35	12	,	,	PUNCT
amfbr-216	35	13	and	and	CCONJ
amfbr-216	35	14	1999	1999	NUM
amfbr-216	35	15	)	)	PUNCT
amfbr-216	35	16	and	and	CCONJ
amfbr-216	35	17	the	the	DET
amfbr-216	35	18	banks	bank	NOUN
amfbr-216	35	19	and	and	CCONJ
amfbr-216	35	20	other	other	ADJ
amfbr-216	35	21	financial	financial	ADJ
amfbr-216	35	22	institutions	institution	NOUN
amfbr-216	35	23	act	act	VERB
amfbr-216	35	24	(	(	PUNCT
amfbr-216	35	25	bofia	bofia	NOUN
amfbr-216	35	26	)	)	PUNCT
amfbr-216	35	27	no	no	NOUN
amfbr-216	35	28	.	.	NOUN
amfbr-216	35	29	25	25	NUM
amfbr-216	35	30	of	of	ADP
amfbr-216	35	31	1991	1991	NUM
amfbr-216	35	32	(	(	PUNCT
amfbr-216	35	33	amended	amend	VERB
amfbr-216	35	34	in	in	ADP
amfbr-216	35	35	1997	1997	NUM
amfbr-216	35	36	,	,	PUNCT
amfbr-216	35	37	1998	1998	NUM
amfbr-216	35	38	and	and	CCONJ
amfbr-216	35	39	1999	1999	NUM
amfbr-216	35	40	)	)	PUNCT
amfbr-216	35	41	and	and	CCONJ
amfbr-216	35	42	presently	presently	ADV
amfbr-216	35	43	the	the	DET
amfbr-216	35	44	cbn	cbn	PROPN
amfbr-216	35	45	act	act	NOUN
amfbr-216	35	46	2007	2007	NUM
amfbr-216	35	47	,	,	PUNCT
amfbr-216	35	48	which	which	PRON
amfbr-216	35	49	preceded	precede	VERB
amfbr-216	35	50	the	the	DET
amfbr-216	35	51	cbn	cbn	PROPN
amfbr-216	35	52	act	act	NOUN
amfbr-216	35	53	of	of	ADP
amfbr-216	35	54	1958	1958	NUM
amfbr-216	35	55	and	and	CCONJ
amfbr-216	35	56	banking	banking	NOUN
amfbr-216	35	57	act	act	NOUN
amfbr-216	35	58	of	of	ADP
amfbr-216	35	59	1969	1969	NUM
amfbr-216	35	60	.	.	PUNCT
amfbr-216	36	1	1.2	1.2	NUM
amfbr-216	36	2	expansion	expansion	NOUN
amfbr-216	36	3	phase	phase	NOUN
amfbr-216	36	4	the	the	DET
amfbr-216	36	5	expansion	expansion	NOUN
amfbr-216	36	6	phase	phase	NOUN
amfbr-216	36	7	was	be	AUX
amfbr-216	36	8	directed	direct	VERB
amfbr-216	36	9	at	at	ADP
amfbr-216	36	10	availing	avail	VERB
amfbr-216	36	11	the	the	DET
amfbr-216	36	12	public	public	NOUN
amfbr-216	36	13	of	of	ADP
amfbr-216	36	14	banking	banking	NOUN
amfbr-216	36	15	activities	activity	NOUN
amfbr-216	36	16	and	and	CCONJ
amfbr-216	36	17	this	this	PRON
amfbr-216	36	18	was	be	AUX
amfbr-216	36	19	facilitated	facilitate	VERB
amfbr-216	36	20	by	by	ADP
amfbr-216	36	21	the	the	DET
amfbr-216	36	22	increase	increase	NOUN
amfbr-216	36	23	in	in	ADP
amfbr-216	36	24	network	network	NOUN
amfbr-216	36	25	of	of	ADP
amfbr-216	36	26	branches	branch	NOUN
amfbr-216	36	27	.	.	PUNCT
amfbr-216	37	1	this	this	PRON
amfbr-216	37	2	involves	involve	VERB
amfbr-216	37	3	the	the	DET
amfbr-216	37	4	expansion	expansion	NOUN
amfbr-216	37	5	of	of	ADP
amfbr-216	37	6	banks	bank	NOUN
amfbr-216	37	7	branches	branch	NOUN
amfbr-216	37	8	into	into	ADP
amfbr-216	37	9	the	the	DET
amfbr-216	37	10	rural	rural	ADJ
amfbr-216	37	11	and	and	CCONJ
amfbr-216	37	12	semi	semi	ADJ
amfbr-216	37	13	urban	urban	ADJ
amfbr-216	37	14	areas	area	NOUN
amfbr-216	37	15	.	.	PUNCT
amfbr-216	38	1	the	the	DET
amfbr-216	38	2	phase	phase	NOUN
amfbr-216	38	3	also	also	ADV
amfbr-216	38	4	witnessed	witness	VERB
amfbr-216	38	5	priority	priority	NOUN
amfbr-216	38	6	lending	lending	NOUN
amfbr-216	38	7	to	to	ADP
amfbr-216	38	8	some	some	DET
amfbr-216	38	9	sector	sector	NOUN
amfbr-216	38	10	of	of	ADP
amfbr-216	38	11	the	the	DET
amfbr-216	38	12	economy	economy	NOUN
amfbr-216	38	13	.	.	PUNCT
amfbr-216	39	1	this	this	DET
amfbr-216	39	2	phase	phase	NOUN
amfbr-216	39	3	takes	take	VERB
amfbr-216	39	4	approximately	approximately	ADV
amfbr-216	39	5	from	from	ADP
amfbr-216	39	6	1970	1970	NUM
amfbr-216	39	7	1985	1985	NUM
amfbr-216	39	8	.	.	PUNCT
amfbr-216	40	1	1.3	1.3	NUM
amfbr-216	40	2	consolidation	consolidation	NOUN
amfbr-216	40	3	and	and	CCONJ
amfbr-216	40	4	reform	reform	NOUN
amfbr-216	40	5	phase	phase	NOUN
amfbr-216	40	6	the	the	DET
amfbr-216	40	7	structural	structural	ADJ
amfbr-216	40	8	adjustment	adjustment	NOUN
amfbr-216	40	9	programme	programme	NOUN
amfbr-216	40	10	(	(	PUNCT
amfbr-216	40	11	sap	sap	PROPN
amfbr-216	40	12	)	)	PUNCT
amfbr-216	40	13	,	,	PUNCT
amfbr-216	40	14	which	which	PRON
amfbr-216	40	15	started	start	VERB
amfbr-216	40	16	in	in	ADP
amfbr-216	40	17	1986	1986	NUM
amfbr-216	40	18	,	,	PUNCT
amfbr-216	40	19	marked	mark	VERB
amfbr-216	40	20	an	an	DET
amfbr-216	40	21	era	era	NOUN
amfbr-216	40	22	in	in	ADP
amfbr-216	40	23	nigeria	nigeria	PROPN
amfbr-216	40	24	’s	’s	PART
amfbr-216	40	25	financial	financial	ADJ
amfbr-216	40	26	sector	sector	NOUN
amfbr-216	40	27	reform	reform	NOUN
amfbr-216	40	28	.	.	PUNCT
amfbr-216	41	1	the	the	DET
amfbr-216	41	2	monetary	monetary	ADJ
amfbr-216	41	3	authorities	authority	NOUN
amfbr-216	41	4	relaxed	relax	VERB
amfbr-216	41	5	the	the	DET
amfbr-216	41	6	control	control	NOUN
amfbr-216	41	7	and	and	CCONJ
amfbr-216	41	8	liberalize	liberalize	VERB
amfbr-216	41	9	the	the	DET
amfbr-216	41	10	sector	sector	NOUN
amfbr-216	41	11	.	.	PUNCT
amfbr-216	42	1	there	there	PRON
amfbr-216	42	2	was	be	VERB
amfbr-216	42	3	a	a	DET
amfbr-216	42	4	deregulation	deregulation	NOUN
amfbr-216	42	5	of	of	ADP
amfbr-216	42	6	the	the	DET
amfbr-216	42	7	economy	economy	NOUN
amfbr-216	42	8	and	and	CCONJ
amfbr-216	42	9	many	many	ADJ
amfbr-216	42	10	institutions	institution	NOUN
amfbr-216	42	11	were	be	AUX
amfbr-216	42	12	set	set	VERB
amfbr-216	42	13	-	-	PUNCT
amfbr-216	42	14	up	up	NOUN
amfbr-216	42	15	to	to	PART
amfbr-216	42	16	regulate	regulate	VERB
amfbr-216	42	17	the	the	DET
amfbr-216	42	18	growing	grow	VERB
amfbr-216	42	19	financial	financial	ADJ
amfbr-216	42	20	sector	sector	NOUN
amfbr-216	42	21	.	.	PUNCT
amfbr-216	43	1	for	for	ADP
amfbr-216	43	2	example	example	NOUN
amfbr-216	43	3	,	,	PUNCT
amfbr-216	43	4	there	there	PRON
amfbr-216	43	5	was	be	VERB
amfbr-216	43	6	the	the	DET
amfbr-216	43	7	establishment	establishment	NOUN
amfbr-216	43	8	of	of	ADP
amfbr-216	43	9	nigeria	nigeria	PROPN
amfbr-216	43	10	deposit	deposit	PROPN
amfbr-216	43	11	insurance	insurance	NOUN
amfbr-216	43	12	corporation	corporation	NOUN
amfbr-216	43	13	(	(	PUNCT
amfbr-216	43	14	ndic	ndic	ADJ
amfbr-216	43	15	)	)	PUNCT
amfbr-216	43	16	in	in	ADP
amfbr-216	43	17	1988	1988	NUM
amfbr-216	43	18	,	,	PUNCT
amfbr-216	43	19	the	the	DET
amfbr-216	43	20	security	security	NOUN
amfbr-216	43	21	and	and	CCONJ
amfbr-216	43	22	exchange	exchange	PROPN
amfbr-216	43	23	commission	commission	PROPN
amfbr-216	43	24	(	(	PUNCT
amfbr-216	43	25	sec	sec	PROPN
amfbr-216	43	26	)	)	PUNCT
amfbr-216	43	27	though	though	SCONJ
amfbr-216	43	28	established	establish	VERB
amfbr-216	43	29	by	by	ADP
amfbr-216	43	30	sec	sec	PROPN
amfbr-216	43	31	act	act	NOUN
amfbr-216	43	32	of	of	ADP
amfbr-216	43	33	1979	1979	NUM
amfbr-216	43	34	but	but	CCONJ
amfbr-216	43	35	was	be	AUX
amfbr-216	43	36	further	far	ADV
amfbr-216	43	37	strengthened	strengthen	VERB
amfbr-216	43	38	by	by	ADP
amfbr-216	43	39	sed	sed	ADJ
amfbr-216	43	40	act	act	NOUN
amfbr-216	43	41	of	of	ADP
amfbr-216	43	42	1989	1989	NUM
amfbr-216	43	43	and	and	CCONJ
amfbr-216	43	44	investment	investment	NOUN
amfbr-216	43	45	and	and	CCONJ
amfbr-216	43	46	securities	security	NOUN
amfbr-216	43	47	act	act	VERB
amfbr-216	43	48	no	no	INTJ
amfbr-216	43	49	.	.	PROPN
amfbr-216	43	50	45	45	NUM
amfbr-216	43	51	of	of	ADP
amfbr-216	43	52	1999	1999	NUM
amfbr-216	43	53	.	.	PUNCT
amfbr-216	44	1	financial	financial	ADJ
amfbr-216	44	2	sector	sector	NOUN
amfbr-216	44	3	reforms	reform	NOUN
amfbr-216	44	4	a	a	DET
amfbr-216	44	5	peculiar	peculiar	ADJ
amfbr-216	44	6	feature	feature	NOUN
amfbr-216	44	7	of	of	ADP
amfbr-216	44	8	the	the	DET
amfbr-216	44	9	reform	reform	NOUN
amfbr-216	44	10	program	program	NOUN
amfbr-216	44	11	in	in	ADP
amfbr-216	44	12	nigeria	nigeria	PROPN
amfbr-216	44	13	is	be	AUX
amfbr-216	44	14	the	the	DET
amfbr-216	44	15	associated	associated	ADJ
amfbr-216	44	16	inconsistency	inconsistency	NOUN
amfbr-216	44	17	in	in	ADP
amfbr-216	44	18	policy	policy	NOUN
amfbr-216	44	19	implementation	implementation	NOUN
amfbr-216	44	20	.	.	PUNCT
amfbr-216	45	1	the	the	DET
amfbr-216	45	2	financial	financial	ADJ
amfbr-216	45	3	sector	sector	NOUN
amfbr-216	45	4	in	in	ADP
amfbr-216	45	5	nigeria	nigeria	PROPN
amfbr-216	45	6	is	be	AUX
amfbr-216	45	7	dominated	dominate	VERB
amfbr-216	45	8	by	by	ADP
amfbr-216	45	9	the	the	DET
amfbr-216	45	10	banking	banking	NOUN
amfbr-216	45	11	sector	sector	NOUN
amfbr-216	45	12	,	,	PUNCT
amfbr-216	45	13	especially	especially	ADV
amfbr-216	45	14	the	the	DET
amfbr-216	45	15	commercial	commercial	ADJ
amfbr-216	45	16	banking	banking	NOUN
amfbr-216	45	17	.	.	PUNCT
amfbr-216	46	1	the	the	DET
amfbr-216	46	2	deposit	deposit	NOUN
amfbr-216	46	3	money	money	NOUN
amfbr-216	46	4	banks	bank	NOUN
amfbr-216	46	5	(	(	PUNCT
amfbr-216	46	6	dmbs	dmb	NOUN
amfbr-216	46	7	’	'	PUNCT
amfbr-216	46	8	)	)	PUNCT
amfbr-216	46	9	accounts	account	VERB
amfbr-216	46	10	for	for	ADP
amfbr-216	46	11	93.0	93.0	NUM
amfbr-216	46	12	per	per	ADP
amfbr-216	46	13	cent	cent	NOUN
amfbr-216	46	14	of	of	ADP
amfbr-216	46	15	non	non	ADJ
amfbr-216	46	16	-	-	ADJ
amfbr-216	46	17	central	central	ADJ
amfbr-216	46	18	assets	asset	NOUN
amfbr-216	46	19	in	in	ADP
amfbr-216	46	20	2000	2000	NUM
amfbr-216	46	21	(	(	PUNCT
amfbr-216	46	22	world	world	PROPN
amfbr-216	46	23	bank	bank	PROPN
amfbr-216	46	24	,	,	PUNCT
amfbr-216	46	25	1995	1995	NUM
amfbr-216	46	26	)	)	PUNCT
amfbr-216	46	27	and	and	CCONJ
amfbr-216	46	28	94.0	94.0	NUM
amfbr-216	46	29	and	and	CCONJ
amfbr-216	46	30	95.2	95.2	NUM
amfbr-216	46	31	per	per	ADP
amfbr-216	46	32	cent	cent	NOUN
amfbr-216	46	33	of	of	ADP
amfbr-216	46	34	the	the	DET
amfbr-216	46	35	aggregate	aggregate	ADJ
amfbr-216	46	36	financial	financial	ADJ
amfbr-216	46	37	savings	saving	NOUN
amfbr-216	46	38	in	in	ADP
amfbr-216	46	39	2002	2002	NUM
amfbr-216	46	40	and	and	CCONJ
amfbr-216	46	41	2003	2003	NUM
amfbr-216	46	42	,	,	PUNCT
amfbr-216	46	43	respectively	respectively	ADV
amfbr-216	46	44	as	as	ADV
amfbr-216	46	45	well	well	ADV
amfbr-216	46	46	as	as	ADP
amfbr-216	46	47	above	above	ADP
amfbr-216	46	48	60.0	60.0	NUM
amfbr-216	46	49	per	per	ADP
amfbr-216	46	50	cent	cent	NOUN
amfbr-216	46	51	of	of	ADP
amfbr-216	46	52	the	the	DET
amfbr-216	46	53	stock	stock	NOUN
amfbr-216	46	54	market	market	NOUN
amfbr-216	46	55	capitalization	capitalization	NOUN
amfbr-216	46	56	.	.	PUNCT
amfbr-216	47	1	commercial	commercial	ADJ
amfbr-216	47	2	banking	banking	NOUN
amfbr-216	47	3	started	start	VERB
amfbr-216	47	4	in	in	ADP
amfbr-216	47	5	1892	1892	NUM
amfbr-216	47	6	with	with	ADP
amfbr-216	47	7	the	the	DET
amfbr-216	47	8	establishment	establishment	NOUN
amfbr-216	47	9	of	of	ADP
amfbr-216	47	10	the	the	DET
amfbr-216	47	11	first	first	ADJ
amfbr-216	47	12	banking	banking	NOUN
amfbr-216	47	13	firm	firm	NOUN
amfbr-216	47	14	,	,	PUNCT
amfbr-216	47	15	standard	standard	ADJ
amfbr-216	47	16	bank	bank	PROPN
amfbr-216	47	17	of	of	ADP
amfbr-216	47	18	nigeria	nigeria	PROPN
amfbr-216	47	19	ltd	ltd	PROPN
amfbr-216	47	20	(	(	PUNCT
amfbr-216	47	21	now	now	ADV
amfbr-216	47	22	first	first	ADJ
amfbr-216	47	23	bank	bank	PROPN
amfbr-216	47	24	)	)	PUNCT
amfbr-216	47	25	.	.	PUNCT
amfbr-216	48	1	since	since	SCONJ
amfbr-216	48	2	then	then	ADV
amfbr-216	48	3	,	,	PUNCT
amfbr-216	48	4	the	the	DET
amfbr-216	48	5	number	number	NOUN
amfbr-216	48	6	of	of	ADP
amfbr-216	48	7	commercial	commercial	ADJ
amfbr-216	48	8	banks	bank	NOUN
amfbr-216	48	9	has	have	AUX
amfbr-216	48	10	exploded	explode	VERB
amfbr-216	48	11	.	.	PUNCT
amfbr-216	49	1	thus	thus	ADV
amfbr-216	49	2	,	,	PUNCT
amfbr-216	49	3	an	an	DET
amfbr-216	49	4	understanding	understanding	NOUN
amfbr-216	49	5	of	of	ADP
amfbr-216	49	6	the	the	DET
amfbr-216	49	7	structural	structural	ADJ
amfbr-216	49	8	changes	change	NOUN
amfbr-216	49	9	in	in	ADP
amfbr-216	49	10	the	the	DET
amfbr-216	49	11	financial	financial	ADJ
amfbr-216	49	12	sector	sector	NOUN
amfbr-216	49	13	as	as	ADP
amfbr-216	49	14	a	a	DET
amfbr-216	49	15	whole	whole	NOUN
amfbr-216	49	16	is	be	AUX
amfbr-216	49	17	of	of	ADP
amfbr-216	49	18	great	great	ADJ
amfbr-216	49	19	importance	importance	NOUN
amfbr-216	49	20	to	to	ADP
amfbr-216	49	21	all	all	DET
amfbr-216	49	22	stakeholders	stakeholder	NOUN
amfbr-216	49	23	;	;	PUNCT
amfbr-216	49	24	as	as	SCONJ
amfbr-216	49	25	it	it	PRON
amfbr-216	49	26	would	would	AUX
amfbr-216	49	27	help	help	VERB
amfbr-216	49	28	in	in	ADP
amfbr-216	49	29	designing	design	VERB
amfbr-216	49	30	appropriate	appropriate	ADJ
amfbr-216	49	31	legislation	legislation	NOUN
amfbr-216	49	32	to	to	PART
amfbr-216	49	33	enhance	enhance	VERB
amfbr-216	49	34	competition	competition	NOUN
amfbr-216	49	35	.	.	PUNCT
amfbr-216	50	1	the	the	DET
amfbr-216	50	2	nigerian	nigerian	ADJ
amfbr-216	50	3	banking	banking	NOUN
amfbr-216	50	4	system	system	NOUN
amfbr-216	50	5	has	have	AUX
amfbr-216	50	6	undergone	undergo	VERB
amfbr-216	50	7	remarkable	remarkable	ADJ
amfbr-216	50	8	changes	change	NOUN
amfbr-216	50	9	over	over	ADP
amfbr-216	50	10	the	the	DET
amfbr-216	50	11	years	year	NOUN
amfbr-216	50	12	,	,	PUNCT
amfbr-216	50	13	in	in	ADP
amfbr-216	50	14	terms	term	NOUN
amfbr-216	50	15	of	of	ADP
amfbr-216	50	16	the	the	DET
amfbr-216	50	17	number	number	NOUN
amfbr-216	50	18	of	of	ADP
amfbr-216	50	19	institutions	institution	NOUN
amfbr-216	50	20	,	,	PUNCT
amfbr-216	50	21	ownership	ownership	NOUN
amfbr-216	50	22	structure	structure	NOUN
amfbr-216	50	23	,	,	PUNCT
amfbr-216	50	24	as	as	ADV
amfbr-216	50	25	well	well	ADV
amfbr-216	50	26	as	as	ADP
amfbr-216	50	27	depth	depth	NOUN
amfbr-216	50	28	and	and	CCONJ
amfbr-216	50	29	breadth	breadth	NOUN
amfbr-216	50	30	of	of	ADP
amfbr-216	50	31	operations	operation	NOUN
amfbr-216	50	32	.	.	PUNCT
amfbr-216	51	1	these	these	DET
amfbr-216	51	2	changes	change	NOUN
amfbr-216	51	3	have	have	AUX
amfbr-216	51	4	been	be	AUX
amfbr-216	51	5	influenced	influence	VERB
amfbr-216	51	6	largely	largely	ADV
amfbr-216	51	7	by	by	ADP
amfbr-216	51	8	challenges	challenge	NOUN
amfbr-216	51	9	posed	pose	VERB
amfbr-216	51	10	by	by	ADP
amfbr-216	51	11	deregulation	deregulation	NOUN
amfbr-216	51	12	of	of	ADP
amfbr-216	51	13	the	the	DET
amfbr-216	51	14	financial	financial	ADJ
amfbr-216	51	15	sector	sector	NOUN
amfbr-216	51	16	,	,	PUNCT
amfbr-216	51	17	globalization	globalization	NOUN
amfbr-216	51	18	of	of	ADP
amfbr-216	51	19	operations	operation	NOUN
amfbr-216	51	20	,	,	PUNCT
amfbr-216	51	21	technological	technological	ADJ
amfbr-216	51	22	innovations	innovation	NOUN
amfbr-216	51	23	and	and	CCONJ
amfbr-216	51	24	adoption	adoption	NOUN
amfbr-216	51	25	of	of	ADP
amfbr-216	51	26	supervisory	supervisory	ADJ
amfbr-216	51	27	and	and	CCONJ
amfbr-216	51	28	prudential	prudential	ADJ
amfbr-216	51	29	requirements	requirement	NOUN
amfbr-216	51	30	that	that	PRON
amfbr-216	51	31	conform	conform	VERB
amfbr-216	51	32	to	to	ADP
amfbr-216	51	33	international	international	ADJ
amfbr-216	51	34	standards	standard	NOUN
amfbr-216	51	35	.	.	PUNCT
amfbr-216	52	1	prior	prior	ADV
amfbr-216	52	2	to	to	ADP
amfbr-216	52	3	the	the	DET
amfbr-216	52	4	reforms	reform	NOUN
amfbr-216	52	5	started	start	VERB
amfbr-216	52	6	in	in	ADP
amfbr-216	52	7	2004	2004	NUM
amfbr-216	52	8	,	,	PUNCT
amfbr-216	52	9	the	the	DET
amfbr-216	52	10	nigerian	nigerian	ADJ
amfbr-216	52	11	banking	banking	NOUN
amfbr-216	52	12	sector	sector	NOUN
amfbr-216	52	13	was	be	AUX
amfbr-216	52	14	still	still	ADV
amfbr-216	52	15	weak	weak	ADJ
amfbr-216	52	16	and	and	CCONJ
amfbr-216	52	17	fragmented	fragmented	ADJ
amfbr-216	52	18	,	,	PUNCT
amfbr-216	52	19	often	often	ADV
amfbr-216	52	20	financing	finance	VERB
amfbr-216	52	21	short	short	ADJ
amfbr-216	52	22	-	-	PUNCT
amfbr-216	52	23	term	term	NOUN
amfbr-216	52	24	arbitrage	arbitrage	NOUN
amfbr-216	52	25	projects	project	NOUN
amfbr-216	52	26	rather	rather	ADV
amfbr-216	52	27	than	than	ADP
amfbr-216	52	28	productive	productive	ADJ
amfbr-216	52	29	private	private	ADJ
amfbr-216	52	30	investments	investment	NOUN
amfbr-216	53	1	[	[	X
amfbr-216	53	2	kanayo	kanayo	NOUN
amfbr-216	53	3	&	&	CCONJ
amfbr-216	53	4	micheal	micheal	PROPN
amfbr-216	53	5	,	,	PUNCT
amfbr-216	53	6	2011	2011	NUM
amfbr-216	53	7	]	]	PUNCT
amfbr-216	53	8	.	.	PUNCT
amfbr-216	54	1	in	in	ADP
amfbr-216	54	2	essence	essence	NOUN
amfbr-216	54	3	all	all	DET
amfbr-216	54	4	these	these	DET
amfbr-216	54	5	measures	measure	NOUN
amfbr-216	54	6	and	and	CCONJ
amfbr-216	54	7	reforms	reform	NOUN
amfbr-216	54	8	were	be	AUX
amfbr-216	54	9	instituted	institute	VERB
amfbr-216	54	10	to	to	PART
amfbr-216	54	11	address	address	VERB
amfbr-216	54	12	the	the	DET
amfbr-216	54	13	challenges	challenge	NOUN
amfbr-216	54	14	of	of	ADP
amfbr-216	54	15	the	the	DET
amfbr-216	54	16	banking	banking	NOUN
amfbr-216	54	17	sector	sector	NOUN
amfbr-216	54	18	and	and	CCONJ
amfbr-216	54	19	this	this	PRON
amfbr-216	54	20	shows	show	VERB
amfbr-216	54	21	that	that	SCONJ
amfbr-216	54	22	there	there	PRON
amfbr-216	54	23	are	be	VERB
amfbr-216	54	24	numerous	numerous	ADJ
amfbr-216	54	25	challenges	challenge	NOUN
amfbr-216	54	26	faced	face	VERB
amfbr-216	54	27	by	by	ADP
amfbr-216	54	28	the	the	DET
amfbr-216	54	29	banking	banking	NOUN
amfbr-216	54	30	sector	sector	NOUN
amfbr-216	54	31	.	.	PUNCT
amfbr-216	55	1	this	this	DET
amfbr-216	55	2	study	study	NOUN
amfbr-216	55	3	observe	observe	VERB
amfbr-216	55	4	that	that	SCONJ
amfbr-216	55	5	there	there	PRON
amfbr-216	55	6	is	be	VERB
amfbr-216	55	7	a	a	DET
amfbr-216	55	8	scarcity	scarcity	NOUN
amfbr-216	55	9	of	of	ADP
amfbr-216	55	10	literature	literature	NOUN
amfbr-216	55	11	on	on	ADP
amfbr-216	55	12	the	the	DET
amfbr-216	55	13	challenges	challenge	NOUN
amfbr-216	55	14	faced	face	VERB
amfbr-216	55	15	by	by	ADP
amfbr-216	55	16	nigerian	nigerian	ADJ
amfbr-216	55	17	banks	bank	NOUN
amfbr-216	55	18	and	and	CCONJ
amfbr-216	55	19	therefore	therefore	ADV
amfbr-216	55	20	intends	intend	VERB
amfbr-216	55	21	to	to	PART
amfbr-216	55	22	explore	explore	VERB
amfbr-216	55	23	and	and	CCONJ
amfbr-216	55	24	investigate	investigate	VERB
amfbr-216	55	25	the	the	DET
amfbr-216	55	26	challenges	challenge	NOUN
amfbr-216	55	27	faced	face	VERB
amfbr-216	55	28	by	by	ADP
amfbr-216	55	29	nigerian	nigerian	ADJ
amfbr-216	55	30	banks	bank	NOUN
amfbr-216	55	31	and	and	CCONJ
amfbr-216	55	32	the	the	DET
amfbr-216	55	33	way	way	NOUN
amfbr-216	55	34	forward	forward	ADV
amfbr-216	55	35	to	to	PART
amfbr-216	55	36	address	address	VERB
amfbr-216	55	37	those	those	DET
amfbr-216	55	38	challenges	challenge	NOUN
amfbr-216	55	39	.	.	PUNCT
amfbr-216	56	1	the	the	DET
amfbr-216	56	2	objective	objective	NOUN
amfbr-216	56	3	of	of	ADP
amfbr-216	56	4	this	this	DET
amfbr-216	56	5	paper	paper	NOUN
amfbr-216	56	6	is	be	AUX
amfbr-216	56	7	to	to	PART
amfbr-216	56	8	examine	examine	VERB
amfbr-216	56	9	the	the	DET
amfbr-216	56	10	challenges	challenge	NOUN
amfbr-216	56	11	faced	face	VERB
amfbr-216	56	12	by	by	ADP
amfbr-216	56	13	nigerian	nigerian	ADJ
amfbr-216	56	14	banking	banking	NOUN
amfbr-216	56	15	sector	sector	NOUN
amfbr-216	56	16	and	and	CCONJ
amfbr-216	56	17	proper	proper	ADJ
amfbr-216	56	18	solutions	solution	NOUN
amfbr-216	56	19	to	to	ADP
amfbr-216	56	20	the	the	DET
amfbr-216	56	21	challenges	challenge	NOUN
amfbr-216	56	22	.	.	PUNCT
amfbr-216	57	1	to	to	PART
amfbr-216	57	2	achieve	achieve	VERB
amfbr-216	57	3	the	the	DET
amfbr-216	57	4	objective	objective	NOUN
amfbr-216	57	5	the	the	DET
amfbr-216	57	6	null	null	ADJ
amfbr-216	57	7	and	and	CCONJ
amfbr-216	57	8	alternate	alternate	ADJ
amfbr-216	57	9	hypothesis	hypothesis	NOUN
amfbr-216	57	10	were	be	AUX
amfbr-216	57	11	formulated	formulate	VERB
amfbr-216	57	12			NOUN
amfbr-216	57	13	that	that	SCONJ
amfbr-216	57	14	the	the	DET
amfbr-216	57	15	challenges	challenge	NOUN
amfbr-216	57	16	faced	face	VERB
amfbr-216	57	17	by	by	ADP
amfbr-216	57	18	the	the	DET
amfbr-216	57	19	nigerian	nigerian	ADJ
amfbr-216	57	20	banking	banking	NOUN
amfbr-216	57	21	system	system	NOUN
amfbr-216	57	22	affects	affect	VERB
amfbr-216	57	23	their	their	PRON
amfbr-216	57	24	financial	financial	ADJ
amfbr-216	57	25	performance	performance	NOUN
amfbr-216	57	26			PROPN
amfbr-216	57	27	that	that	SCONJ
amfbr-216	57	28	the	the	DET
amfbr-216	57	29	challenges	challenge	NOUN
amfbr-216	57	30	faced	face	VERB
amfbr-216	57	31	by	by	ADP
amfbr-216	57	32	the	the	DET
amfbr-216	57	33	nigerian	nigerian	ADJ
amfbr-216	57	34	banking	banking	NOUN
amfbr-216	57	35	system	system	NOUN
amfbr-216	57	36	does	do	AUX
amfbr-216	57	37	not	not	PART
amfbr-216	57	38	affects	affect	VERB
amfbr-216	57	39	their	their	PRON
amfbr-216	57	40	financial	financial	ADJ
amfbr-216	57	41	performance	performance	NOUN
amfbr-216	57	42	2	2	NUM
amfbr-216	57	43	.	.	PUNCT
amfbr-216	57	44	literature	literature	NOUN
amfbr-216	57	45	review	review	VERB
amfbr-216	57	46	2.1	2.1	NUM
amfbr-216	57	47	challenges	challenge	NOUN
amfbr-216	57	48	faced	face	VERB
amfbr-216	57	49	by	by	ADP
amfbr-216	57	50	the	the	DET
amfbr-216	57	51	nigerian	nigerian	ADJ
amfbr-216	57	52	banking	banking	NOUN
amfbr-216	57	53	sector	sector	NOUN
amfbr-216	57	54	myriad	myriad	NOUN
amfbr-216	57	55	of	of	ADP
amfbr-216	57	56	challenges	challenge	NOUN
amfbr-216	57	57	exists	exist	VERB
amfbr-216	57	58	and	and	CCONJ
amfbr-216	57	59	are	be	AUX
amfbr-216	57	60	currently	currently	ADV
amfbr-216	57	61	affecting	affect	VERB
amfbr-216	57	62	the	the	DET
amfbr-216	57	63	efficacy	efficacy	NOUN
amfbr-216	57	64	of	of	ADP
amfbr-216	57	65	operations	operation	NOUN
amfbr-216	57	66	of	of	ADP
amfbr-216	57	67	the	the	DET
amfbr-216	57	68	nigerian	nigerian	ADJ
amfbr-216	57	69	banking	banking	NOUN
amfbr-216	57	70	sector	sector	NOUN
amfbr-216	57	71	to	to	PART
amfbr-216	57	72	effectively	effectively	ADV
amfbr-216	57	73	perform	perform	VERB
amfbr-216	57	74	their	their	PRON
amfbr-216	57	75	functions	function	NOUN
amfbr-216	57	76	of	of	ADP
amfbr-216	57	77	intermediation	intermediation	NOUN
amfbr-216	57	78	in	in	ADP
amfbr-216	57	79	the	the	DET
amfbr-216	57	80	nigerian	nigerian	ADJ
amfbr-216	57	81	economy	economy	NOUN
amfbr-216	57	82	.	.	PUNCT
amfbr-216	58	1	the	the	DET
amfbr-216	58	2	major	major	ADJ
amfbr-216	58	3	challenges	challenge	NOUN
amfbr-216	58	4	faced	face	VERB
amfbr-216	58	5	by	by	ADP
amfbr-216	58	6	the	the	DET
amfbr-216	58	7	nigerian	nigerian	ADJ
amfbr-216	58	8	banks	bank	NOUN
amfbr-216	58	9	are	be	AUX
amfbr-216	58	10	as	as	SCONJ
amfbr-216	58	11	follows	follow	VERB
amfbr-216	58	12	:	:	PUNCT
amfbr-216	58	13	2.1.1	2.1.1	NUM
amfbr-216	58	14	inadequate	inadequate	ADJ
amfbr-216	58	15	technological	technological	ADJ
amfbr-216	58	16	innovation	innovation	NOUN
amfbr-216	58	17	in	in	ADP
amfbr-216	58	18	operational	operational	ADJ
amfbr-216	58	19	services	service	NOUN
amfbr-216	58	20	the	the	DET
amfbr-216	58	21	nigerian	nigerian	ADJ
amfbr-216	58	22	banking	banking	NOUN
amfbr-216	58	23	sector	sector	NOUN
amfbr-216	58	24	market	market	NOUN
amfbr-216	58	25	was	be	AUX
amfbr-216	58	26	hitherto	hitherto	NOUN
amfbr-216	58	27	dominated	dominate	VERB
amfbr-216	58	28	by	by	ADP
amfbr-216	58	29	competitiveness	competitiveness	NOUN
amfbr-216	58	30	nature	nature	NOUN
amfbr-216	58	31	.	.	PUNCT
amfbr-216	59	1	the	the	DET
amfbr-216	59	2	financial	financial	ADJ
amfbr-216	59	3	market	market	NOUN
amfbr-216	59	4	in	in	ADP
amfbr-216	59	5	general	general	ADJ
amfbr-216	59	6	was	be	AUX
amfbr-216	59	7	competitive	competitive	ADJ
amfbr-216	59	8	because	because	SCONJ
amfbr-216	59	9	not	not	PART
amfbr-216	59	10	only	only	ADV
amfbr-216	59	11	banks	bank	NOUN
amfbr-216	59	12	provide	provide	VERB
amfbr-216	59	13	financial	financial	ADJ
amfbr-216	59	14	services	service	NOUN
amfbr-216	59	15	other	other	ADJ
amfbr-216	59	16	financial	financial	ADJ
amfbr-216	59	17	institutions	institution	NOUN
amfbr-216	59	18	that	that	PRON
amfbr-216	59	19	are	be	AUX
amfbr-216	59	20	not	not	PART
amfbr-216	59	21	banks	bank	NOUN
amfbr-216	59	22	also	also	ADV
amfbr-216	59	23	do	do	VERB
amfbr-216	59	24	.	.	PUNCT
amfbr-216	60	1	there	there	PRON
amfbr-216	60	2	is	be	VERB
amfbr-216	60	3	fierce	fierce	ADJ
amfbr-216	60	4	competition	competition	NOUN
amfbr-216	60	5	in	in	ADP
amfbr-216	60	6	the	the	DET
amfbr-216	60	7	market	market	NOUN
amfbr-216	60	8	hence	hence	ADV
amfbr-216	60	9	the	the	DET
amfbr-216	60	10	need	need	NOUN
amfbr-216	60	11	for	for	SCONJ
amfbr-216	60	12	banks	bank	NOUN
amfbr-216	60	13	to	to	PART
amfbr-216	60	14	acquire	acquire	VERB
amfbr-216	60	15	and	and	CCONJ
amfbr-216	60	16	deploy	deploy	VERB
amfbr-216	60	17	up	up	ADP
amfbr-216	60	18	to	to	ADP
amfbr-216	60	19	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	VERB
amfbr-216	60	20	american	american	PROPN
amfbr-216	60	21	finance	finance	PROPN
amfbr-216	60	22	&	&	CCONJ
amfbr-216	60	23	banking	banking	PROPN
amfbr-216	60	24	review	review	PROPN
amfbr-216	60	25	vol	vol	NOUN
amfbr-216	60	26	.	.	PROPN
amfbr-216	61	1	3	3	NUM
amfbr-216	61	2	,	,	PUNCT
amfbr-216	61	3	no	no	INTJ
amfbr-216	61	4	.	.	NOUN
amfbr-216	61	5	1	1	NUM
amfbr-216	61	6	;	;	PUNCT
amfbr-216	61	7	2018	2018	NUM
amfbr-216	61	8	28	28	NUM
amfbr-216	61	9	date	date	NOUN
amfbr-216	61	10	ict	ict	NOUN
amfbr-216	61	11	tools	tool	NOUN
amfbr-216	61	12	in	in	ADP
amfbr-216	61	13	their	their	PRON
amfbr-216	61	14	operations	operation	NOUN
amfbr-216	61	15	in	in	ADP
amfbr-216	61	16	order	order	NOUN
amfbr-216	61	17	to	to	PART
amfbr-216	61	18	capture	capture	VERB
amfbr-216	61	19	the	the	DET
amfbr-216	61	20	attention	attention	NOUN
amfbr-216	61	21	and	and	CCONJ
amfbr-216	61	22	loyalty	loyalty	NOUN
amfbr-216	61	23	of	of	ADP
amfbr-216	61	24	the	the	DET
amfbr-216	61	25	customers	customer	NOUN
amfbr-216	61	26	.	.	PUNCT
amfbr-216	62	1	[	[	X
amfbr-216	62	2	ref	ref	NOUN
amfbr-216	62	3	xxx	xxx	X
amfbr-216	62	4	]	]	X
amfbr-216	62	5	thus	thus	ADV
amfbr-216	62	6	in	in	ADP
amfbr-216	62	7	the	the	DET
amfbr-216	62	8	face	face	NOUN
amfbr-216	62	9	of	of	ADP
amfbr-216	62	10	the	the	DET
amfbr-216	62	11	keen	keen	ADJ
amfbr-216	62	12	competition	competition	NOUN
amfbr-216	62	13	in	in	ADP
amfbr-216	62	14	the	the	DET
amfbr-216	62	15	industry	industry	NOUN
amfbr-216	62	16	,	,	PUNCT
amfbr-216	62	17	market	market	NOUN
amfbr-216	62	18	players	player	NOUN
amfbr-216	62	19	must	must	AUX
amfbr-216	62	20	devise	devise	VERB
amfbr-216	62	21	new	new	ADJ
amfbr-216	62	22	survival	survival	NOUN
amfbr-216	62	23	strategies	strategy	NOUN
amfbr-216	62	24	.	.	PUNCT
amfbr-216	63	1	financial	financial	ADJ
amfbr-216	63	2	institutions	institution	NOUN
amfbr-216	63	3	world	world	NOUN
amfbr-216	63	4	-	-	PUNCT
amfbr-216	63	5	wide	wide	ADV
amfbr-216	63	6	are	be	AUX
amfbr-216	63	7	compelled	compel	VERB
amfbr-216	63	8	by	by	ADP
amfbr-216	63	9	the	the	DET
amfbr-216	63	10	emergence	emergence	NOUN
amfbr-216	63	11	of	of	ADP
amfbr-216	63	12	information	information	NOUN
amfbr-216	63	13	technology	technology	NOUN
amfbr-216	63	14	to	to	ADP
amfbr-216	63	15	fast	fast	ADV
amfbr-216	63	16	-	-	PUNCT
amfbr-216	63	17	forward	forward	NOUN
amfbr-216	63	18	to	to	ADP
amfbr-216	63	19	more	more	ADV
amfbr-216	63	20	radical	radical	ADJ
amfbr-216	63	21	transformation	transformation	NOUN
amfbr-216	63	22	of	of	ADP
amfbr-216	63	23	business	business	NOUN
amfbr-216	63	24	systems	system	NOUN
amfbr-216	63	25	and	and	CCONJ
amfbr-216	63	26	models	model	NOUN
amfbr-216	63	27	.	.	PUNCT
amfbr-216	64	1	it	it	PRON
amfbr-216	64	2	is	be	AUX
amfbr-216	64	3	in	in	ADP
amfbr-216	64	4	the	the	DET
amfbr-216	64	5	same	same	ADJ
amfbr-216	64	6	spirit	spirit	NOUN
amfbr-216	64	7	that	that	PRON
amfbr-216	64	8	bill	bill	NOUN
amfbr-216	64	9	gates	gate	NOUN
amfbr-216	64	10	(	(	PUNCT
amfbr-216	64	11	2001	2001	NUM
amfbr-216	64	12	)	)	PUNCT
amfbr-216	64	13	noted	note	VERB
amfbr-216	64	14	that	that	SCONJ
amfbr-216	64	15	:	:	PUNCT
amfbr-216	64	16	“	"	PUNCT
amfbr-216	64	17	the	the	DET
amfbr-216	64	18	successful	successful	ADJ
amfbr-216	64	19	companies	company	NOUN
amfbr-216	64	20	of	of	ADP
amfbr-216	64	21	the	the	DET
amfbr-216	64	22	next	next	ADJ
amfbr-216	64	23	decades	decade	NOUN
amfbr-216	64	24	will	will	AUX
amfbr-216	64	25	be	be	AUX
amfbr-216	64	26	the	the	DET
amfbr-216	64	27	ones	one	NOUN
amfbr-216	64	28	that	that	PRON
amfbr-216	64	29	use	use	VERB
amfbr-216	64	30	digital	digital	ADJ
amfbr-216	64	31	tools	tool	NOUN
amfbr-216	64	32	to	to	PART
amfbr-216	64	33	re	re	VERB
amfbr-216	64	34	-	-	VERB
amfbr-216	64	35	invent	invent	VERB
amfbr-216	64	36	the	the	DET
amfbr-216	64	37	way	way	NOUN
amfbr-216	64	38	the	the	DET
amfbr-216	64	39	work	work	NOUN
amfbr-216	64	40	.	.	PUNCT
amfbr-216	65	1	these	these	DET
amfbr-216	65	2	companies	company	NOUN
amfbr-216	65	3	will	will	AUX
amfbr-216	65	4	make	make	VERB
amfbr-216	65	5	decisions	decision	NOUN
amfbr-216	65	6	quickly	quickly	ADV
amfbr-216	65	7	,	,	PUNCT
amfbr-216	65	8	act	act	VERB
amfbr-216	65	9	efficiently	efficiently	ADV
amfbr-216	65	10	and	and	CCONJ
amfbr-216	65	11	directly	directly	ADV
amfbr-216	65	12	touch	touch	VERB
amfbr-216	65	13	their	their	PRON
amfbr-216	65	14	customers	customer	NOUN
amfbr-216	65	15	in	in	ADP
amfbr-216	65	16	positive	positive	ADJ
amfbr-216	65	17	ways	way	NOUN
amfbr-216	65	18	.	.	PUNCT
amfbr-216	66	1	going	go	VERB
amfbr-216	66	2	digital	digital	ADJ
amfbr-216	66	3	will	will	AUX
amfbr-216	66	4	put	put	VERB
amfbr-216	66	5	on	on	ADP
amfbr-216	66	6	the	the	DET
amfbr-216	66	7	leading	lead	VERB
amfbr-216	66	8	edge	edge	NOUN
amfbr-216	66	9	of	of	ADP
amfbr-216	66	10	the	the	DET
amfbr-216	66	11	shock	shock	NOUN
amfbr-216	66	12	wave	wave	NOUN
amfbr-216	66	13	of	of	ADP
amfbr-216	66	14	change	change	NOUN
amfbr-216	66	15	.	.	PUNCT
amfbr-216	67	1	that	that	PRON
amfbr-216	67	2	will	will	AUX
amfbr-216	67	3	shatter	shatter	VERB
amfbr-216	67	4	the	the	DET
amfbr-216	67	5	old	old	ADJ
amfbr-216	67	6	ways	way	NOUN
amfbr-216	67	7	of	of	ADP
amfbr-216	67	8	doing	do	VERB
amfbr-216	67	9	business	business	NOUN
amfbr-216	67	10	”	"	PUNCT
amfbr-216	67	11	.	.	PUNCT
amfbr-216	68	1	we	we	PRON
amfbr-216	68	2	are	be	AUX
amfbr-216	68	3	now	now	ADV
amfbr-216	68	4	in	in	ADP
amfbr-216	68	5	a	a	DET
amfbr-216	68	6	new	new	ADJ
amfbr-216	68	7	era	era	NOUN
amfbr-216	68	8	of	of	ADP
amfbr-216	68	9	technological	technological	ADJ
amfbr-216	68	10	revolution	revolution	NOUN
amfbr-216	68	11	.	.	PUNCT
amfbr-216	69	1	countries	country	NOUN
amfbr-216	69	2	are	be	AUX
amfbr-216	69	3	beginning	begin	VERB
amfbr-216	69	4	to	to	PART
amfbr-216	69	5	compete	compete	VERB
amfbr-216	69	6	and	and	CCONJ
amfbr-216	69	7	fight	fight	VERB
amfbr-216	69	8	over	over	ADP
amfbr-216	69	9	control	control	NOUN
amfbr-216	69	10	of	of	ADP
amfbr-216	69	11	information	information	NOUN
amfbr-216	69	12	rather	rather	ADV
amfbr-216	69	13	than	than	ADP
amfbr-216	69	14	natural	natural	ADJ
amfbr-216	69	15	resources	resource	NOUN
amfbr-216	69	16	.	.	PUNCT
amfbr-216	70	1	the	the	DET
amfbr-216	70	2	vogue	vogue	NOUN
amfbr-216	70	3	today	today	NOUN
amfbr-216	70	4	is	be	AUX
amfbr-216	70	5	e	e	NOUN
amfbr-216	70	6	-	-	NOUN
amfbr-216	70	7	platform	platform	NOUN
amfbr-216	70	8	which	which	PRON
amfbr-216	70	9	implies	imply	VERB
amfbr-216	70	10	offering	offer	VERB
amfbr-216	70	11	financial	financial	ADJ
amfbr-216	70	12	services	service	NOUN
amfbr-216	70	13	through	through	ADP
amfbr-216	70	14	electronic	electronic	ADJ
amfbr-216	70	15	media	medium	NOUN
amfbr-216	70	16	to	to	ADP
amfbr-216	70	17	various	various	ADJ
amfbr-216	70	18	customers	customer	NOUN
amfbr-216	70	19	irrespective	irrespective	ADV
amfbr-216	70	20	of	of	ADP
amfbr-216	70	21	place	place	NOUN
amfbr-216	70	22	,	,	PUNCT
amfbr-216	70	23	time	time	NOUN
amfbr-216	70	24	and	and	CCONJ
amfbr-216	70	25	distance	distance	NOUN
amfbr-216	70	26	.	.	PUNCT
amfbr-216	71	1	a	a	DET
amfbr-216	71	2	customer	customer	NOUN
amfbr-216	71	3	friendly	friendly	ADJ
amfbr-216	71	4	environment	environment	NOUN
amfbr-216	71	5	with	with	ADP
amfbr-216	71	6	high	high	ADJ
amfbr-216	71	7	quality	quality	NOUN
amfbr-216	71	8	service	service	NOUN
amfbr-216	71	9	delivers	deliver	VERB
amfbr-216	71	10	needs	need	VERB
amfbr-216	71	11	to	to	PART
amfbr-216	71	12	be	be	AUX
amfbr-216	71	13	created	create	VERB
amfbr-216	71	14	in	in	ADP
amfbr-216	71	15	order	order	NOUN
amfbr-216	71	16	to	to	PART
amfbr-216	71	17	enhance	enhance	VERB
amfbr-216	71	18	high	high	ADJ
amfbr-216	71	19	patronage	patronage	NOUN
amfbr-216	71	20	.	.	PUNCT
amfbr-216	72	1	to	to	ADP
amfbr-216	72	2	this	this	DET
amfbr-216	72	3	end	end	NOUN
amfbr-216	72	4	,	,	PUNCT
amfbr-216	72	5	improvement	improvement	NOUN
amfbr-216	72	6	in	in	ADP
amfbr-216	72	7	banking	banking	NOUN
amfbr-216	72	8	technology	technology	NOUN
amfbr-216	72	9	and	and	CCONJ
amfbr-216	72	10	institutional	institutional	ADJ
amfbr-216	72	11	arrangements	arrangement	NOUN
amfbr-216	72	12	for	for	ADP
amfbr-216	72	13	transmission	transmission	NOUN
amfbr-216	72	14	mechanism	mechanism	NOUN
amfbr-216	72	15	as	as	ADV
amfbr-216	72	16	well	well	ADV
amfbr-216	72	17	as	as	ADP
amfbr-216	72	18	other	other	ADJ
amfbr-216	72	19	operational	operational	ADJ
amfbr-216	72	20	areas	area	NOUN
amfbr-216	72	21	of	of	ADP
amfbr-216	72	22	banking	banking	NOUN
amfbr-216	72	23	operations	operation	NOUN
amfbr-216	72	24	to	to	PART
amfbr-216	72	25	ensure	ensure	VERB
amfbr-216	72	26	operational	operational	ADJ
amfbr-216	72	27	efficiency	efficiency	NOUN
amfbr-216	72	28	has	have	AUX
amfbr-216	72	29	become	become	VERB
amfbr-216	72	30	a	a	DET
amfbr-216	72	31	compelling	compelling	ADJ
amfbr-216	72	32	necessity	necessity	NOUN
amfbr-216	72	33	.	.	PUNCT
amfbr-216	73	1	this	this	PRON
amfbr-216	73	2	encompasses	encompass	VERB
amfbr-216	73	3	electronic	electronic	ADJ
amfbr-216	73	4	money	money	NOUN
amfbr-216	73	5	,	,	PUNCT
amfbr-216	73	6	internet	internet	NOUN
amfbr-216	73	7	banking	banking	NOUN
amfbr-216	73	8	,	,	PUNCT
amfbr-216	73	9	telephone	telephone	NOUN
amfbr-216	73	10	/	/	SYM
amfbr-216	73	11	mobile	mobile	NOUN
amfbr-216	73	12	banking	banking	NOUN
amfbr-216	73	13	,	,	PUNCT
amfbr-216	73	14	reduction	reduction	NOUN
amfbr-216	73	15	of	of	ADP
amfbr-216	73	16	cash	cash	NOUN
amfbr-216	73	17	transaction	transaction	NOUN
amfbr-216	73	18	,	,	PUNCT
amfbr-216	73	19	smart	smart	ADJ
amfbr-216	73	20	card	card	NOUN
amfbr-216	73	21	.	.	PUNCT
amfbr-216	74	1	atm	atm	PROPN
amfbr-216	74	2	transactions	transaction	NOUN
amfbr-216	74	3	and	and	CCONJ
amfbr-216	74	4	capacity	capacity	NOUN
amfbr-216	74	5	to	to	PART
amfbr-216	74	6	process	process	VERB
amfbr-216	74	7	high	high	ADJ
amfbr-216	74	8	volume	volume	NOUN
amfbr-216	74	9	of	of	ADP
amfbr-216	74	10	transactions	transaction	NOUN
amfbr-216	74	11	among	among	ADP
amfbr-216	74	12	others	other	NOUN
amfbr-216	74	13	.	.	PUNCT
amfbr-216	75	1	2.1.2	2.1.2	NUM
amfbr-216	75	2	human	human	ADJ
amfbr-216	75	3	resources	resource	NOUN
amfbr-216	75	4	management	management	NOUN
amfbr-216	75	5	the	the	DET
amfbr-216	75	6	centrality	centrality	NOUN
amfbr-216	75	7	of	of	ADP
amfbr-216	75	8	the	the	DET
amfbr-216	75	9	human	human	ADJ
amfbr-216	75	10	resource	resource	NOUN
amfbr-216	75	11	in	in	ADP
amfbr-216	75	12	enterprise	enterprise	NOUN
amfbr-216	75	13	management	management	NOUN
amfbr-216	75	14	is	be	AUX
amfbr-216	75	15	a	a	DET
amfbr-216	75	16	generally	generally	ADV
amfbr-216	75	17	accepted	accept	VERB
amfbr-216	75	18	dictum	dictum	NOUN
amfbr-216	75	19	.	.	PUNCT
amfbr-216	76	1	it	it	PRON
amfbr-216	76	2	is	be	AUX
amfbr-216	76	3	in	in	ADP
amfbr-216	76	4	this	this	DET
amfbr-216	76	5	light	light	NOUN
amfbr-216	76	6	that	that	PRON
amfbr-216	76	7	management	management	NOUN
amfbr-216	76	8	needs	need	VERB
amfbr-216	76	9	to	to	PART
amfbr-216	76	10	make	make	VERB
amfbr-216	76	11	adequate	adequate	ADJ
amfbr-216	76	12	investment	investment	NOUN
amfbr-216	76	13	in	in	ADP
amfbr-216	76	14	human	human	ADJ
amfbr-216	76	15	factor	factor	NOUN
amfbr-216	76	16	.	.	PUNCT
amfbr-216	77	1	it	it	PRON
amfbr-216	77	2	should	should	AUX
amfbr-216	77	3	be	be	AUX
amfbr-216	77	4	noted	note	VERB
amfbr-216	77	5	that	that	SCONJ
amfbr-216	77	6	there	there	PRON
amfbr-216	77	7	is	be	VERB
amfbr-216	77	8	no	no	DET
amfbr-216	77	9	competitive	competitive	ADJ
amfbr-216	77	10	weapon	weapon	NOUN
amfbr-216	77	11	more	more	ADV
amfbr-216	77	12	potent	potent	ADJ
amfbr-216	77	13	and	and	CCONJ
amfbr-216	77	14	effective	effective	ADJ
amfbr-216	77	15	in	in	ADP
amfbr-216	77	16	the	the	DET
amfbr-216	77	17	banking	banking	NOUN
amfbr-216	77	18	sector	sector	NOUN
amfbr-216	77	19	than	than	ADP
amfbr-216	77	20	the	the	DET
amfbr-216	77	21	quality	quality	NOUN
amfbr-216	77	22	of	of	ADP
amfbr-216	77	23	its	its	PRON
amfbr-216	77	24	human	human	ADJ
amfbr-216	77	25	resources	resource	NOUN
amfbr-216	77	26	.	.	PUNCT
amfbr-216	78	1	as	as	SCONJ
amfbr-216	78	2	remarked	remark	VERB
amfbr-216	78	3	by	by	ADP
amfbr-216	78	4	sanusi	sanusi	NOUN
amfbr-216	78	5	(	(	PUNCT
amfbr-216	78	6	2010	2010	NUM
amfbr-216	78	7	)	)	PUNCT
amfbr-216	78	8	machines	machine	NOUN
amfbr-216	78	9	and	and	CCONJ
amfbr-216	78	10	advanced	advanced	ADJ
amfbr-216	78	11	technology	technology	NOUN
amfbr-216	78	12	can	can	AUX
amfbr-216	78	13	provide	provide	VERB
amfbr-216	78	14	informational	informational	ADJ
amfbr-216	78	15	and	and	CCONJ
amfbr-216	78	16	transactional	transactional	ADJ
amfbr-216	78	17	convenience	convenience	NOUN
amfbr-216	78	18	but	but	CCONJ
amfbr-216	78	19	only	only	ADV
amfbr-216	78	20	manpower	manpower	NOUN
amfbr-216	78	21	can	can	AUX
amfbr-216	78	22	provide	provide	VERB
amfbr-216	78	23	the	the	DET
amfbr-216	78	24	credibility	credibility	NOUN
amfbr-216	78	25	,	,	PUNCT
amfbr-216	78	26	creativity	creativity	NOUN
amfbr-216	78	27	and	and	CCONJ
amfbr-216	78	28	care	care	NOUN
amfbr-216	78	29	that	that	PRON
amfbr-216	78	30	can	can	AUX
amfbr-216	78	31	build	build	VERB
amfbr-216	78	32	long	long	ADJ
amfbr-216	78	33	-	-	PUNCT
amfbr-216	78	34	term	term	NOUN
amfbr-216	78	35	customer	customer	NOUN
amfbr-216	78	36	and	and	CCONJ
amfbr-216	78	37	client	client	NOUN
amfbr-216	78	38	relationships	relationship	NOUN
amfbr-216	78	39	.	.	PUNCT
amfbr-216	79	1	in	in	ADP
amfbr-216	79	2	other	other	ADJ
amfbr-216	79	3	words	word	NOUN
amfbr-216	79	4	,	,	PUNCT
amfbr-216	79	5	there	there	PRON
amfbr-216	79	6	is	be	VERB
amfbr-216	79	7	need	need	NOUN
amfbr-216	79	8	for	for	ADP
amfbr-216	79	9	capacity	capacity	NOUN
amfbr-216	79	10	building	building	NOUN
amfbr-216	79	11	in	in	ADP
amfbr-216	79	12	our	our	PRON
amfbr-216	79	13	system	system	NOUN
amfbr-216	79	14	to	to	PART
amfbr-216	79	15	enable	enable	VERB
amfbr-216	79	16	us	we	PRON
amfbr-216	79	17	copes	cope	VERB
amfbr-216	79	18	with	with	ADP
amfbr-216	79	19	the	the	DET
amfbr-216	79	20	wind	wind	NOUN
amfbr-216	79	21	of	of	ADP
amfbr-216	79	22	technological	technological	ADJ
amfbr-216	79	23	development	development	NOUN
amfbr-216	79	24	.	.	PUNCT
amfbr-216	80	1	besides	besides	SCONJ
amfbr-216	80	2	,	,	PUNCT
amfbr-216	80	3	no	no	ADV
amfbr-216	80	4	matter	matter	ADV
amfbr-216	80	5	how	how	SCONJ
amfbr-216	80	6	accurate	accurate	ADJ
amfbr-216	80	7	or	or	CCONJ
amfbr-216	80	8	competent	competent	ADJ
amfbr-216	80	9	a	a	DET
amfbr-216	80	10	computer	computer	NOUN
amfbr-216	80	11	is	be	AUX
amfbr-216	80	12	,	,	PUNCT
amfbr-216	80	13	it	it	PRON
amfbr-216	80	14	can	can	AUX
amfbr-216	80	15	not	not	PART
amfbr-216	80	16	feed	feed	VERB
amfbr-216	80	17	itself	itself	PRON
amfbr-216	80	18	with	with	ADP
amfbr-216	80	19	input	input	NOUN
amfbr-216	80	20	and	and	CCONJ
amfbr-216	80	21	it	it	PRON
amfbr-216	80	22	can	can	AUX
amfbr-216	80	23	neither	neither	CCONJ
amfbr-216	80	24	offer	offer	VERB
amfbr-216	80	25	a	a	DET
amfbr-216	80	26	welcoming	welcoming	ADJ
amfbr-216	80	27	smile	smile	NOUN
amfbr-216	80	28	nor	nor	CCONJ
amfbr-216	80	29	a	a	DET
amfbr-216	80	30	warm	warm	ADJ
amfbr-216	80	31	handshake	handshake	NOUN
amfbr-216	80	32	(	(	PUNCT
amfbr-216	80	33	ochejele	ochejele	NOUN
amfbr-216	80	34	,	,	PUNCT
amfbr-216	80	35	2003	2003	NUM
amfbr-216	80	36	)	)	PUNCT
amfbr-216	80	37	.	.	PUNCT
amfbr-216	81	1	banking	banking	NOUN
amfbr-216	81	2	(	(	PUNCT
amfbr-216	81	3	and	and	CCONJ
amfbr-216	81	4	indeed	indeed	ADV
amfbr-216	81	5	the	the	DET
amfbr-216	81	6	entire	entire	ADJ
amfbr-216	81	7	sectors	sector	NOUN
amfbr-216	81	8	in	in	ADP
amfbr-216	81	9	the	the	DET
amfbr-216	81	10	financial	financial	ADJ
amfbr-216	81	11	markets	market	NOUN
amfbr-216	81	12	)	)	PUNCT
amfbr-216	81	13	is	be	AUX
amfbr-216	81	14	people	people	NOUN
amfbr-216	81	15	-	-	PUNCT
amfbr-216	81	16	related	relate	VERB
amfbr-216	81	17	and	and	CCONJ
amfbr-216	81	18	the	the	DET
amfbr-216	81	19	quality	quality	NOUN
amfbr-216	81	20	of	of	ADP
amfbr-216	81	21	personnel	personnel	NOUN
amfbr-216	81	22	will	will	AUX
amfbr-216	81	23	make	make	VERB
amfbr-216	81	24	the	the	DET
amfbr-216	81	25	vital	vital	ADJ
amfbr-216	81	26	distinction	distinction	NOUN
amfbr-216	81	27	between	between	ADP
amfbr-216	81	28	what	what	PRON
amfbr-216	81	29	constitutes	constitute	VERB
amfbr-216	81	30	a	a	DET
amfbr-216	81	31	good	good	ADJ
amfbr-216	81	32	bank	bank	NOUN
amfbr-216	81	33	and	and	CCONJ
amfbr-216	81	34	a	a	DET
amfbr-216	81	35	bad	bad	ADJ
amfbr-216	81	36	one	one	NUM
amfbr-216	81	37	.	.	PUNCT
amfbr-216	82	1	consequently	consequently	ADV
amfbr-216	82	2	,	,	PUNCT
amfbr-216	82	3	of	of	ADP
amfbr-216	82	4	all	all	DET
amfbr-216	82	5	the	the	DET
amfbr-216	82	6	challenges	challenge	NOUN
amfbr-216	82	7	facing	face	VERB
amfbr-216	82	8	the	the	DET
amfbr-216	82	9	nigerian	nigerian	ADJ
amfbr-216	82	10	banking	banking	NOUN
amfbr-216	82	11	sector	sector	NOUN
amfbr-216	82	12	,	,	PUNCT
amfbr-216	82	13	human	human	ADJ
amfbr-216	82	14	capital	capital	NOUN
amfbr-216	82	15	development	development	NOUN
amfbr-216	82	16	is	be	AUX
amfbr-216	82	17	the	the	DET
amfbr-216	82	18	most	most	ADV
amfbr-216	82	19	daunting	daunting	ADJ
amfbr-216	82	20	.	.	PUNCT
amfbr-216	83	1	2.1.3	2.1.3	NUM
amfbr-216	83	2	fraud	fraud	NOUN
amfbr-216	83	3	prevention	prevention	NOUN
amfbr-216	83	4	and	and	CCONJ
amfbr-216	83	5	monitoring	monitoring	NOUN
amfbr-216	83	6	system	system	NOUN
amfbr-216	83	7	another	another	DET
amfbr-216	83	8	major	major	ADJ
amfbr-216	83	9	challenge	challenge	NOUN
amfbr-216	83	10	facing	face	VERB
amfbr-216	83	11	the	the	DET
amfbr-216	83	12	industry	industry	NOUN
amfbr-216	83	13	is	be	AUX
amfbr-216	83	14	the	the	DET
amfbr-216	83	15	need	need	NOUN
amfbr-216	83	16	to	to	PART
amfbr-216	83	17	minimize	minimize	VERB
amfbr-216	83	18	the	the	DET
amfbr-216	83	19	high	high	ADJ
amfbr-216	83	20	rate	rate	NOUN
amfbr-216	83	21	of	of	ADP
amfbr-216	83	22	frauds	fraud	NOUN
amfbr-216	83	23	and	and	CCONJ
amfbr-216	83	24	other	other	ADJ
amfbr-216	83	25	malpractices	malpractice	NOUN
amfbr-216	83	26	in	in	ADP
amfbr-216	83	27	the	the	DET
amfbr-216	83	28	system	system	NOUN
amfbr-216	83	29	.	.	PUNCT
amfbr-216	84	1	it	it	PRON
amfbr-216	84	2	is	be	AUX
amfbr-216	84	3	imperative	imperative	ADJ
amfbr-216	84	4	that	that	SCONJ
amfbr-216	84	5	bank	bank	NOUN
amfbr-216	84	6	managers	manager	NOUN
amfbr-216	84	7	and	and	CCONJ
amfbr-216	84	8	other	other	ADJ
amfbr-216	84	9	market	market	NOUN
amfbr-216	84	10	players	player	NOUN
amfbr-216	84	11	give	give	VERB
amfbr-216	84	12	greater	great	ADJ
amfbr-216	84	13	attention	attention	NOUN
amfbr-216	84	14	to	to	ADP
amfbr-216	84	15	the	the	DET
amfbr-216	84	16	subject	subject	NOUN
amfbr-216	84	17	of	of	ADP
amfbr-216	84	18	maintaining	maintain	VERB
amfbr-216	84	19	the	the	DET
amfbr-216	84	20	highest	high	ADJ
amfbr-216	84	21	ethical	ethical	ADJ
amfbr-216	84	22	and	and	CCONJ
amfbr-216	84	23	professional	professional	ADJ
amfbr-216	84	24	standards	standard	NOUN
amfbr-216	84	25	in	in	ADP
amfbr-216	84	26	all	all	DET
amfbr-216	84	27	their	their	PRON
amfbr-216	84	28	transactions	transaction	NOUN
amfbr-216	84	29	and	and	CCONJ
amfbr-216	84	30	dealings	dealing	NOUN
amfbr-216	84	31	with	with	ADP
amfbr-216	84	32	their	their	PRON
amfbr-216	84	33	customers	customer	NOUN
amfbr-216	84	34	.	.	PUNCT
amfbr-216	85	1	this	this	PRON
amfbr-216	85	2	entails	entail	VERB
amfbr-216	85	3	having	have	VERB
amfbr-216	85	4	adequate	adequate	ADJ
amfbr-216	85	5	knowledge	knowledge	NOUN
amfbr-216	85	6	of	of	ADP
amfbr-216	85	7	code	code	NOUN
amfbr-216	85	8	of	of	ADP
amfbr-216	85	9	conduct	conduct	NOUN
amfbr-216	85	10	and	and	CCONJ
amfbr-216	85	11	banking	banking	NOUN
amfbr-216	85	12	practice	practice	NOUN
amfbr-216	85	13	jointly	jointly	ADV
amfbr-216	85	14	designed	design	VERB
amfbr-216	85	15	by	by	ADP
amfbr-216	85	16	the	the	DET
amfbr-216	85	17	chartered	chartered	PROPN
amfbr-216	85	18	institute	institute	PROPN
amfbr-216	85	19	of	of	ADP
amfbr-216	85	20	bankers	bankers	PROPN
amfbr-216	85	21	(	(	PUNCT
amfbr-216	85	22	cibn	cibn	PROPN
amfbr-216	85	23	)	)	PUNCT
amfbr-216	85	24	,	,	PUNCT
amfbr-216	85	25	central	central	ADJ
amfbr-216	85	26	bank	bank	PROPN
amfbr-216	85	27	of	of	ADP
amfbr-216	85	28	nigeria	nigeria	PROPN
amfbr-216	85	29	(	(	PUNCT
amfbr-216	85	30	cbn	cbn	PROPN
amfbr-216	85	31	)	)	PUNCT
amfbr-216	85	32	and	and	CCONJ
amfbr-216	85	33	the	the	DET
amfbr-216	85	34	bankers	bankers	PROPN
amfbr-216	85	35	committee	committee	PROPN
amfbr-216	85	36	(	(	PUNCT
amfbr-216	85	37	general	general	ADJ
amfbr-216	85	38	assembly	assembly	NOUN
amfbr-216	85	39	of	of	ADP
amfbr-216	85	40	bank	bank	NOUN
amfbr-216	85	41	chief	chief	ADJ
amfbr-216	85	42	executives	executive	NOUN
amfbr-216	85	43	)	)	PUNCT
amfbr-216	85	44	.	.	PUNCT
amfbr-216	86	1	issues	issue	NOUN
amfbr-216	86	2	of	of	ADP
amfbr-216	86	3	business	business	NOUN
amfbr-216	86	4	integrity	integrity	NOUN
amfbr-216	86	5	,	,	PUNCT
amfbr-216	86	6	respect	respect	NOUN
amfbr-216	86	7	for	for	ADP
amfbr-216	86	8	legitimate	legitimate	ADJ
amfbr-216	86	9	laws	law	NOUN
amfbr-216	86	10	and	and	CCONJ
amfbr-216	86	11	regulations	regulation	NOUN
amfbr-216	86	12	,	,	PUNCT
amfbr-216	86	13	concern	concern	NOUN
amfbr-216	86	14	for	for	ADP
amfbr-216	86	15	the	the	DET
amfbr-216	86	16	society	society	NOUN
amfbr-216	86	17	in	in	ADP
amfbr-216	86	18	which	which	PRON
amfbr-216	86	19	a	a	DET
amfbr-216	86	20	bank	bank	NOUN
amfbr-216	86	21	operates	operate	VERB
amfbr-216	86	22	will	will	AUX
amfbr-216	86	23	become	become	VERB
amfbr-216	86	24	as	as	ADV
amfbr-216	86	25	much	much	ADV
amfbr-216	86	26	important	important	ADJ
amfbr-216	86	27	as	as	ADP
amfbr-216	86	28	profit	profit	NOUN
amfbr-216	86	29	consideration	consideration	NOUN
amfbr-216	86	30	in	in	ADP
amfbr-216	86	31	the	the	DET
amfbr-216	86	32	21	21	NUM
amfbr-216	86	33	st	st	PROPN
amfbr-216	86	34	century	century	NOUN
amfbr-216	86	35	.	.	PUNCT
amfbr-216	87	1	the	the	DET
amfbr-216	87	2	level	level	NOUN
amfbr-216	87	3	of	of	ADP
amfbr-216	87	4	malpractices	malpractice	NOUN
amfbr-216	87	5	in	in	ADP
amfbr-216	87	6	the	the	DET
amfbr-216	87	7	banking	banking	NOUN
amfbr-216	87	8	sector	sector	NOUN
amfbr-216	87	9	is	be	AUX
amfbr-216	87	10	high	high	ADJ
amfbr-216	87	11	,	,	PUNCT
amfbr-216	87	12	hence	hence	ADV
amfbr-216	87	13	there	there	PRON
amfbr-216	87	14	is	be	VERB
amfbr-216	87	15	need	need	NOUN
amfbr-216	87	16	to	to	PART
amfbr-216	87	17	put	put	VERB
amfbr-216	87	18	measures	measure	NOUN
amfbr-216	87	19	in	in	ADP
amfbr-216	87	20	place	place	NOUN
amfbr-216	87	21	to	to	PART
amfbr-216	87	22	curtail	curtail	VERB
amfbr-216	87	23	the	the	DET
amfbr-216	87	24	malpractices	malpractice	NOUN
amfbr-216	87	25	to	to	ADP
amfbr-216	87	26	the	the	DET
amfbr-216	87	27	bearest	bear	ADJ
amfbr-216	87	28	minimum	minimum	NOUN
amfbr-216	87	29	.	.	PUNCT
amfbr-216	88	1	2.1.4	2.1.4	NUM
amfbr-216	88	2	liquidity	liquidity	NOUN
amfbr-216	88	3	management	management	NOUN
amfbr-216	88	4	while	while	SCONJ
amfbr-216	88	5	it	it	PRON
amfbr-216	88	6	is	be	AUX
amfbr-216	88	7	expected	expect	VERB
amfbr-216	88	8	that	that	SCONJ
amfbr-216	88	9	there	there	PRON
amfbr-216	88	10	will	will	AUX
amfbr-216	88	11	be	be	AUX
amfbr-216	88	12	more	more	ADV
amfbr-216	88	13	external	external	ADJ
amfbr-216	88	14	resource	resource	NOUN
amfbr-216	88	15	inflow	inflow	NOUN
amfbr-216	88	16	to	to	PART
amfbr-216	88	17	fund	fund	VERB
amfbr-216	88	18	growth	growth	NOUN
amfbr-216	88	19	of	of	ADP
amfbr-216	88	20	the	the	DET
amfbr-216	88	21	economy	economy	NOUN
amfbr-216	88	22	in	in	ADP
amfbr-216	88	23	this	this	DET
amfbr-216	88	24	country	country	NOUN
amfbr-216	88	25	,	,	PUNCT
amfbr-216	88	26	financial	financial	ADJ
amfbr-216	88	27	institutions	institution	NOUN
amfbr-216	88	28	must	must	AUX
amfbr-216	88	29	recognize	recognize	VERB
amfbr-216	88	30	their	their	PRON
amfbr-216	88	31	primary	primary	ADJ
amfbr-216	88	32	role	role	NOUN
amfbr-216	88	33	in	in	ADP
amfbr-216	88	34	internal	internal	ADJ
amfbr-216	88	35	resource	resource	NOUN
amfbr-216	88	36	mobilization	mobilization	NOUN
amfbr-216	88	37	.	.	PUNCT
amfbr-216	89	1	it	it	PRON
amfbr-216	89	2	is	be	AUX
amfbr-216	89	3	assumed	assume	VERB
amfbr-216	89	4	that	that	SCONJ
amfbr-216	89	5	the	the	DET
amfbr-216	89	6	economy	economy	NOUN
amfbr-216	89	7	is	be	AUX
amfbr-216	89	8	awashed	awashe	VERB
amfbr-216	89	9	with	with	ADP
amfbr-216	89	10	liquidity	liquidity	NOUN
amfbr-216	89	11	and	and	CCONJ
amfbr-216	89	12	substantial	substantial	ADJ
amfbr-216	89	13	portion	portion	NOUN
amfbr-216	89	14	of	of	ADP
amfbr-216	89	15	this	this	DET
amfbr-216	89	16	liquidity	liquidity	NOUN
amfbr-216	89	17	is	be	AUX
amfbr-216	89	18	held	hold	VERB
amfbr-216	89	19	as	as	ADP
amfbr-216	89	20	idle	idle	ADJ
amfbr-216	89	21	cash	cash	NOUN
amfbr-216	89	22	balances	balance	NOUN
amfbr-216	89	23	outside	outside	ADP
amfbr-216	89	24	the	the	DET
amfbr-216	89	25	banking	banking	NOUN
amfbr-216	89	26	system	system	NOUN
amfbr-216	89	27	.	.	PUNCT
amfbr-216	90	1	the	the	DET
amfbr-216	90	2	business	business	NOUN
amfbr-216	90	3	of	of	ADP
amfbr-216	90	4	resource	resource	NOUN
amfbr-216	90	5	mobilization	mobilization	NOUN
amfbr-216	90	6	should	should	AUX
amfbr-216	90	7	therefore	therefore	ADV
amfbr-216	90	8	be	be	AUX
amfbr-216	90	9	seen	see	VERB
amfbr-216	90	10	as	as	ADP
amfbr-216	90	11	a	a	DET
amfbr-216	90	12	major	major	ADJ
amfbr-216	90	13	challenge	challenge	NOUN
amfbr-216	90	14	facing	face	VERB
amfbr-216	90	15	the	the	DET
amfbr-216	90	16	banking	banking	NOUN
amfbr-216	90	17	sector	sector	NOUN
amfbr-216	90	18	.	.	PUNCT
amfbr-216	91	1	in	in	ADP
amfbr-216	91	2	addition	addition	NOUN
amfbr-216	91	3	to	to	ADP
amfbr-216	91	4	internal	internal	ADJ
amfbr-216	91	5	mobilization	mobilization	NOUN
amfbr-216	91	6	of	of	ADP
amfbr-216	91	7	funds	fund	NOUN
amfbr-216	91	8	,	,	PUNCT
amfbr-216	91	9	banks	bank	NOUN
amfbr-216	91	10	must	must	AUX
amfbr-216	91	11	also	also	ADV
amfbr-216	91	12	ensure	ensure	VERB
amfbr-216	91	13	effective	effective	ADJ
amfbr-216	91	14	channeling	channeling	NOUN
amfbr-216	91	15	of	of	ADP
amfbr-216	91	16	these	these	DET
amfbr-216	91	17	resources	resource	NOUN
amfbr-216	91	18	to	to	ADP
amfbr-216	91	19	productive	productive	ADJ
amfbr-216	91	20	segments	segment	NOUN
amfbr-216	91	21	of	of	ADP
amfbr-216	91	22	our	our	PRON
amfbr-216	91	23	economy	economy	NOUN
amfbr-216	91	24	.	.	PUNCT
amfbr-216	92	1	the	the	DET
amfbr-216	92	2	responsibility	responsibility	NOUN
amfbr-216	92	3	of	of	ADP
amfbr-216	92	4	promoting	promote	VERB
amfbr-216	92	5	the	the	DET
amfbr-216	92	6	economy	economy	NOUN
amfbr-216	92	7	’s	’s	PART
amfbr-216	92	8	growth	growth	NOUN
amfbr-216	92	9	should	should	AUX
amfbr-216	92	10	be	be	AUX
amfbr-216	92	11	seen	see	VERB
amfbr-216	92	12	as	as	ADP
amfbr-216	92	13	a	a	DET
amfbr-216	92	14	major	major	ADJ
amfbr-216	92	15	challenge	challenge	NOUN
amfbr-216	92	16	by	by	ADP
amfbr-216	92	17	all	all	DET
amfbr-216	92	18	banks	bank	NOUN
amfbr-216	92	19	.	.	PUNCT
amfbr-216	93	1	fund	fund	NOUN
amfbr-216	93	2	mobilization	mobilization	NOUN
amfbr-216	93	3	and	and	CCONJ
amfbr-216	93	4	allocation	allocation	NOUN
amfbr-216	93	5	should	should	AUX
amfbr-216	93	6	therefore	therefore	ADV
amfbr-216	93	7	form	form	VERB
amfbr-216	93	8	a	a	DET
amfbr-216	93	9	top	top	ADJ
amfbr-216	93	10	priority	priority	NOUN
amfbr-216	93	11	of	of	ADP
amfbr-216	93	12	banks	bank	NOUN
amfbr-216	93	13	chief	chief	ADJ
amfbr-216	93	14	executive	executive	ADJ
amfbr-216	93	15	officers	officer	NOUN
amfbr-216	93	16	policies	policy	NOUN
amfbr-216	93	17	in	in	ADP
amfbr-216	93	18	this	this	DET
amfbr-216	93	19	country	country	NOUN
amfbr-216	93	20	.	.	PUNCT
amfbr-216	94	1	2.1.5	2.1.5	NUM
amfbr-216	94	2	full	full	ADJ
amfbr-216	94	3	autonomy	autonomy	NOUN
amfbr-216	94	4	of	of	ADP
amfbr-216	94	5	the	the	DET
amfbr-216	94	6	central	central	ADJ
amfbr-216	94	7	bank	bank	PROPN
amfbr-216	94	8	of	of	ADP
amfbr-216	94	9	nigeria	nigeria	PROPN
amfbr-216	94	10	the	the	DET
amfbr-216	94	11	turnaround	turnaround	NOUN
amfbr-216	94	12	of	of	ADP
amfbr-216	94	13	the	the	DET
amfbr-216	94	14	banking	banking	NOUN
amfbr-216	94	15	sector	sector	NOUN
amfbr-216	94	16	and	and	CCONJ
amfbr-216	94	17	indeed	indeed	ADV
amfbr-216	94	18	the	the	DET
amfbr-216	94	19	economy	economy	NOUN
amfbr-216	94	20	would	would	AUX
amfbr-216	94	21	be	be	AUX
amfbr-216	94	22	difficult	difficult	ADJ
amfbr-216	94	23	without	without	ADP
amfbr-216	94	24	an	an	DET
amfbr-216	94	25	institutional	institutional	ADJ
amfbr-216	94	26	and	and	CCONJ
amfbr-216	94	27	operational	operational	ADJ
amfbr-216	94	28	autonomy	autonomy	NOUN
amfbr-216	94	29	of	of	ADP
amfbr-216	94	30	the	the	DET
amfbr-216	94	31	central	central	ADJ
amfbr-216	94	32	bank	bank	PROPN
amfbr-216	94	33	of	of	ADP
amfbr-216	94	34	nigeria	nigeria	PROPN
amfbr-216	94	35	(	(	PUNCT
amfbr-216	94	36	ekundayo	ekundayo	PROPN
amfbr-216	94	37	,	,	PUNCT
amfbr-216	94	38	1996	1996	NUM
amfbr-216	94	39	)	)	PUNCT
amfbr-216	94	40	.	.	PUNCT
amfbr-216	95	1	the	the	DET
amfbr-216	95	2	current	current	ADJ
amfbr-216	95	3	situation	situation	NOUN
amfbr-216	95	4	where	where	SCONJ
amfbr-216	95	5	the	the	DET
amfbr-216	95	6	apex	apex	NOUN
amfbr-216	95	7	institution	institution	NOUN
amfbr-216	95	8	is	be	AUX
amfbr-216	95	9	only	only	ADV
amfbr-216	95	10	given	give	VERB
amfbr-216	95	11	nominal	nominal	ADJ
amfbr-216	95	12	autonomy	autonomy	NOUN
amfbr-216	95	13	which	which	PRON
amfbr-216	95	14	it	it	PRON
amfbr-216	95	15	can	can	AUX
amfbr-216	95	16	not	not	PART
amfbr-216	95	17	exercise	exercise	VERB
amfbr-216	95	18	effectively	effectively	ADV
amfbr-216	95	19	is	be	AUX
amfbr-216	95	20	not	not	PART
amfbr-216	95	21	very	very	ADV
amfbr-216	95	22	healthy	healthy	ADJ
amfbr-216	95	23	for	for	ADP
amfbr-216	95	24	the	the	DET
amfbr-216	95	25	banking	banking	NOUN
amfbr-216	95	26	sector	sector	NOUN
amfbr-216	95	27	.	.	PUNCT
amfbr-216	96	1	the	the	DET
amfbr-216	96	2	cbn	cbn	PROPN
amfbr-216	96	3	should	should	AUX
amfbr-216	96	4	be	be	AUX
amfbr-216	96	5	given	give	VERB
amfbr-216	96	6	a	a	DET
amfbr-216	96	7	leverage	leverage	NOUN
amfbr-216	96	8	to	to	PART
amfbr-216	96	9	establish	establish	VERB
amfbr-216	96	10	its	its	PRON
amfbr-216	96	11	authority	authority	NOUN
amfbr-216	96	12	over	over	ADP
amfbr-216	96	13	its	its	PRON
amfbr-216	96	14	traditional	traditional	ADJ
amfbr-216	96	15	area	area	NOUN
amfbr-216	96	16	of	of	ADP
amfbr-216	96	17	jurisdiction	jurisdiction	NOUN
amfbr-216	96	18	.	.	PUNCT
amfbr-216	97	1	it	it	PRON
amfbr-216	97	2	is	be	AUX
amfbr-216	97	3	only	only	ADV
amfbr-216	97	4	with	with	ADP
amfbr-216	97	5	such	such	ADJ
amfbr-216	97	6	authority	authority	NOUN
amfbr-216	97	7	that	that	SCONJ
amfbr-216	97	8	the	the	DET
amfbr-216	97	9	apex	apex	NOUN
amfbr-216	97	10	institution	institution	NOUN
amfbr-216	97	11	will	will	AUX
amfbr-216	97	12	be	be	AUX
amfbr-216	97	13	able	able	ADJ
amfbr-216	97	14	to	to	PART
amfbr-216	97	15	formulate	formulate	VERB
amfbr-216	97	16	viable	viable	ADJ
amfbr-216	97	17	monetary	monetary	ADJ
amfbr-216	97	18	policies	policy	NOUN
amfbr-216	97	19	and	and	CCONJ
amfbr-216	97	20	offer	offer	VERB
amfbr-216	97	21	advisory	advisory	ADJ
amfbr-216	97	22	services	service	NOUN
amfbr-216	97	23	to	to	ADP
amfbr-216	97	24	the	the	DET
amfbr-216	97	25	federal	federal	ADJ
amfbr-216	97	26	government	government	NOUN
amfbr-216	97	27	on	on	ADP
amfbr-216	97	28	financial	financial	ADJ
amfbr-216	97	29	matters	matter	NOUN
amfbr-216	97	30	.	.	PUNCT
amfbr-216	98	1	to	to	ADP
amfbr-216	98	2	this	this	PRON
amfbr-216	98	3	,	,	PUNCT
amfbr-216	98	4	may	may	AUX
amfbr-216	98	5	be	be	AUX
amfbr-216	98	6	added	add	VERB
amfbr-216	98	7	the	the	DET
amfbr-216	98	8	need	need	NOUN
amfbr-216	98	9	for	for	ADP
amfbr-216	98	10	internationalization	internationalization	NOUN
amfbr-216	98	11	of	of	ADP
amfbr-216	98	12	the	the	DET
amfbr-216	98	13	nigeria	nigeria	PROPN
amfbr-216	98	14	capital	capital	NOUN
amfbr-216	98	15	market	market	NOUN
amfbr-216	98	16	in	in	ADP
amfbr-216	98	17	spite	spite	NOUN
amfbr-216	98	18	of	of	ADP
amfbr-216	98	19	the	the	DET
amfbr-216	98	20	malpractices	malpractice	NOUN
amfbr-216	98	21	in	in	ADP
amfbr-216	98	22	the	the	DET
amfbr-216	98	23	market	market	NOUN
amfbr-216	98	24	,	,	PUNCT
amfbr-216	98	25	the	the	DET
amfbr-216	98	26	nigerian	nigerian	ADJ
amfbr-216	98	27	stock	stock	NOUN
amfbr-216	98	28	exchange	exchange	PROPN
amfbr-216	98	29	(	(	PUNCT
amfbr-216	98	30	nse	nse	NOUN
amfbr-216	98	31	)	)	PUNCT
amfbr-216	98	32	has	have	AUX
amfbr-216	98	33	been	be	AUX
amfbr-216	98	34	intensifying	intensify	VERB
amfbr-216	98	35	efforts	effort	NOUN
amfbr-216	98	36	at	at	ADP
amfbr-216	98	37	encouraging	encourage	VERB
amfbr-216	98	38	cross	cross	ADJ
amfbr-216	98	39	-	-	ADJ
amfbr-216	98	40	border	border	ADJ
amfbr-216	98	41	listings	listing	NOUN
amfbr-216	98	42	.	.	PUNCT
amfbr-216	99	1	the	the	DET
amfbr-216	99	2	nse	nse	NOUN
amfbr-216	99	3	is	be	AUX
amfbr-216	99	4	reported	report	VERB
amfbr-216	99	5	to	to	PART
amfbr-216	99	6	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	VERB
amfbr-216	99	7	american	american	PROPN
amfbr-216	99	8	finance	finance	PROPN
amfbr-216	99	9	&	&	CCONJ
amfbr-216	99	10	banking	banking	PROPN
amfbr-216	99	11	review	review	PROPN
amfbr-216	99	12	vol	vol	NOUN
amfbr-216	99	13	.	.	PROPN
amfbr-216	100	1	3	3	NUM
amfbr-216	100	2	,	,	PUNCT
amfbr-216	100	3	no	no	INTJ
amfbr-216	100	4	.	.	NOUN
amfbr-216	100	5	1	1	NUM
amfbr-216	100	6	;	;	PUNCT
amfbr-216	100	7	2018	2018	NUM
amfbr-216	100	8	29	29	NUM
amfbr-216	100	9	have	have	AUX
amfbr-216	100	10	signed	sign	VERB
amfbr-216	100	11	a	a	DET
amfbr-216	100	12	memorandum	memorandum	NOUN
amfbr-216	100	13	of	of	ADP
amfbr-216	100	14	understanding	understand	VERB
amfbr-216	100	15	each	each	PRON
amfbr-216	100	16	with	with	ADP
amfbr-216	100	17	the	the	DET
amfbr-216	100	18	nairobi	nairobi	PROPN
amfbr-216	100	19	stock	stock	PROPN
amfbr-216	100	20	exchange	exchange	PROPN
amfbr-216	100	21	,	,	PUNCT
amfbr-216	100	22	the	the	DET
amfbr-216	100	23	ghana	ghana	PROPN
amfbr-216	100	24	stock	stock	PROPN
amfbr-216	100	25	exchange	exchange	PROPN
amfbr-216	100	26	and	and	CCONJ
amfbr-216	100	27	the	the	DET
amfbr-216	100	28	johannesburg	johannesburg	PROPN
amfbr-216	100	29	stock	stock	PROPN
amfbr-216	100	30	exchange	exchange	PROPN
amfbr-216	100	31	nse	nse	NOUN
amfbr-216	100	32	should	should	AUX
amfbr-216	100	33	endeavour	endeavour	VERB
amfbr-216	100	34	to	to	PART
amfbr-216	100	35	fight	fight	VERB
amfbr-216	100	36	the	the	DET
amfbr-216	100	37	malpractices	malpractice	NOUN
amfbr-216	100	38	to	to	PART
amfbr-216	100	39	accentuate	accentuate	VERB
amfbr-216	100	40	the	the	DET
amfbr-216	100	41	internationalization	internationalization	NOUN
amfbr-216	100	42	of	of	ADP
amfbr-216	100	43	the	the	DET
amfbr-216	100	44	nigerian	nigerian	ADJ
amfbr-216	100	45	capital	capital	NOUN
amfbr-216	100	46	market	market	NOUN
amfbr-216	100	47	.	.	PUNCT
amfbr-216	101	1	2.1.6	2.1.6	NOUN
amfbr-216	101	2	a	a	DET
amfbr-216	101	3	need	need	NOUN
amfbr-216	101	4	to	to	PART
amfbr-216	101	5	uphold	uphold	VERB
amfbr-216	101	6	ethics	ethic	NOUN
amfbr-216	101	7	and	and	CCONJ
amfbr-216	101	8	professionalism	professionalism	NOUN
amfbr-216	101	9	in	in	ADP
amfbr-216	101	10	the	the	DET
amfbr-216	101	11	banking	banking	NOUN
amfbr-216	101	12	sector	sector	NOUN
amfbr-216	101	13	ethics	ethic	NOUN
amfbr-216	101	14	generally	generally	ADV
amfbr-216	101	15	revolves	revolve	VERB
amfbr-216	101	16	around	around	ADP
amfbr-216	101	17	a	a	DET
amfbr-216	101	18	set	set	VERB
amfbr-216	101	19	body	body	NOUN
amfbr-216	101	20	of	of	ADP
amfbr-216	101	21	values	value	NOUN
amfbr-216	101	22	,	,	PUNCT
amfbr-216	101	23	reformative	reformative	ADJ
amfbr-216	101	24	guidelines	guideline	NOUN
amfbr-216	101	25	and	and	CCONJ
amfbr-216	101	26	principles	principle	NOUN
amfbr-216	101	27	that	that	PRON
amfbr-216	101	28	embellish	embellish	VERB
amfbr-216	101	29	an	an	DET
amfbr-216	101	30	individual	individual	NOUN
amfbr-216	101	31	with	with	ADP
amfbr-216	101	32	a	a	DET
amfbr-216	101	33	sense	sense	NOUN
amfbr-216	101	34	of	of	ADP
amfbr-216	101	35	judgment	judgment	NOUN
amfbr-216	101	36	and	and	CCONJ
amfbr-216	101	37	differentiation	differentiation	NOUN
amfbr-216	101	38	of	of	ADP
amfbr-216	101	39	right	right	ADV
amfbr-216	101	40	from	from	ADP
amfbr-216	101	41	wrong	wrong	NOUN
amfbr-216	101	42	.	.	PUNCT
amfbr-216	102	1	there	there	PRON
amfbr-216	102	2	is	be	VERB
amfbr-216	102	3	need	need	NOUN
amfbr-216	102	4	to	to	PART
amfbr-216	102	5	adhere	adhere	VERB
amfbr-216	102	6	to	to	ADP
amfbr-216	102	7	the	the	DET
amfbr-216	102	8	ethics	ethic	NOUN
amfbr-216	102	9	and	and	CCONJ
amfbr-216	102	10	professional	professional	ADJ
amfbr-216	102	11	practice	practice	NOUN
amfbr-216	102	12	guiding	guide	VERB
amfbr-216	102	13	the	the	DET
amfbr-216	102	14	sector	sector	NOUN
amfbr-216	102	15	by	by	ADP
amfbr-216	102	16	the	the	DET
amfbr-216	102	17	players	player	NOUN
amfbr-216	102	18	in	in	ADP
amfbr-216	102	19	the	the	DET
amfbr-216	102	20	banking	banking	NOUN
amfbr-216	102	21	sector	sector	NOUN
amfbr-216	102	22	.	.	PUNCT
amfbr-216	103	1	this	this	PRON
amfbr-216	103	2	is	be	AUX
amfbr-216	103	3	so	so	ADV
amfbr-216	104	1	and	and	CCONJ
amfbr-216	104	2	it	it	PRON
amfbr-216	104	3	supposed	suppose	VERB
amfbr-216	104	4	to	to	PART
amfbr-216	104	5	be	be	AUX
amfbr-216	104	6	from	from	ADP
amfbr-216	104	7	ordinary	ordinary	ADJ
amfbr-216	104	8	banks	bank	NOUN
amfbr-216	104	9	staff	staff	NOUN
amfbr-216	104	10	to	to	ADP
amfbr-216	104	11	the	the	DET
amfbr-216	104	12	management	management	NOUN
amfbr-216	104	13	staff	staff	NOUN
amfbr-216	104	14	.	.	PUNCT
amfbr-216	105	1	currently	currently	ADV
amfbr-216	105	2	there	there	PRON
amfbr-216	105	3	is	be	VERB
amfbr-216	105	4	high	high	ADJ
amfbr-216	105	5	level	level	NOUN
amfbr-216	105	6	of	of	ADP
amfbr-216	105	7	unethical	unethical	ADJ
amfbr-216	105	8	behaviours	behaviour	NOUN
amfbr-216	105	9	in	in	ADP
amfbr-216	105	10	the	the	DET
amfbr-216	105	11	banking	banking	NOUN
amfbr-216	105	12	sector	sector	NOUN
amfbr-216	105	13	as	as	ADP
amfbr-216	105	14	evidence	evidence	NOUN
amfbr-216	105	15	by	by	ADP
amfbr-216	105	16	the	the	DET
amfbr-216	105	17	activities	activity	NOUN
amfbr-216	105	18	of	of	ADP
amfbr-216	105	19	marketers	marketer	NOUN
amfbr-216	105	20	in	in	ADP
amfbr-216	105	21	the	the	DET
amfbr-216	105	22	banking	banking	NOUN
amfbr-216	105	23	sector	sector	NOUN
amfbr-216	105	24	.	.	PUNCT
amfbr-216	106	1	it	it	PRON
amfbr-216	106	2	is	be	AUX
amfbr-216	106	3	in	in	ADP
amfbr-216	106	4	this	this	DET
amfbr-216	106	5	context	context	NOUN
amfbr-216	106	6	that	that	SCONJ
amfbr-216	106	7	this	this	DET
amfbr-216	106	8	study	study	NOUN
amfbr-216	106	9	view	view	NOUN
amfbr-216	106	10	with	with	ADP
amfbr-216	106	11	serious	serious	ADJ
amfbr-216	106	12	concern	concern	NOUN
amfbr-216	106	13	the	the	DET
amfbr-216	106	14	spate	spate	NOUN
amfbr-216	106	15	of	of	ADP
amfbr-216	106	16	ethical	ethical	ADJ
amfbr-216	106	17	misconduct	misconduct	NOUN
amfbr-216	106	18	,	,	PUNCT
amfbr-216	106	19	unprofessional	unprofessional	ADJ
amfbr-216	106	20	use	use	NOUN
amfbr-216	106	21	of	of	ADP
amfbr-216	106	22	female	female	ADJ
amfbr-216	106	23	staff	staff	NOUN
amfbr-216	106	24	in	in	ADP
amfbr-216	106	25	some	some	DET
amfbr-216	106	26	banks	bank	NOUN
amfbr-216	106	27	in	in	ADP
amfbr-216	106	28	the	the	DET
amfbr-216	106	29	name	name	NOUN
amfbr-216	106	30	of	of	ADP
amfbr-216	106	31	‘	'	PUNCT
amfbr-216	106	32	marketing	marketing	NOUN
amfbr-216	106	33	’	'	PUNCT
amfbr-216	106	34	and	and	CCONJ
amfbr-216	106	35	‘	'	PUNCT
amfbr-216	106	36	sourcing	sourcing	NOUN
amfbr-216	106	37	of	of	ADP
amfbr-216	106	38	funds	fund	NOUN
amfbr-216	106	39	,	,	PUNCT
amfbr-216	106	40	falsification	falsification	NOUN
amfbr-216	106	41	of	of	ADP
amfbr-216	106	42	returns	return	NOUN
amfbr-216	106	43	by	by	ADP
amfbr-216	106	44	the	the	DET
amfbr-216	106	45	banks	bank	NOUN
amfbr-216	106	46	to	to	ADP
amfbr-216	106	47	the	the	DET
amfbr-216	106	48	central	central	ADJ
amfbr-216	106	49	bank	bank	NOUN
amfbr-216	106	50	,	,	PUNCT
amfbr-216	106	51	etc	etc	X
amfbr-216	106	52	.	.	X
amfbr-216	106	53	collectively	collectively	ADV
amfbr-216	106	54	,	,	PUNCT
amfbr-216	106	55	the	the	DET
amfbr-216	106	56	stakeholders	stakeholder	NOUN
amfbr-216	106	57	can	can	AUX
amfbr-216	106	58	stop	stop	VERB
amfbr-216	106	59	these	these	DET
amfbr-216	106	60	misconducts	misconduct	NOUN
amfbr-216	106	61	and	and	CCONJ
amfbr-216	106	62	give	give	VERB
amfbr-216	106	63	the	the	DET
amfbr-216	106	64	system	system	NOUN
amfbr-216	106	65	a	a	DET
amfbr-216	106	66	new	new	ADJ
amfbr-216	106	67	face	face	NOUN
amfbr-216	106	68	.	.	PUNCT
amfbr-216	107	1	in	in	ADP
amfbr-216	107	2	recent	recent	ADJ
amfbr-216	107	3	times	time	NOUN
amfbr-216	107	4	,	,	PUNCT
amfbr-216	107	5	the	the	DET
amfbr-216	107	6	central	central	ADJ
amfbr-216	107	7	bank	bank	PROPN
amfbr-216	107	8	of	of	ADP
amfbr-216	107	9	nigeria	nigeria	PROPN
amfbr-216	107	10	has	have	AUX
amfbr-216	107	11	been	be	AUX
amfbr-216	107	12	intervening	intervene	VERB
amfbr-216	107	13	to	to	PART
amfbr-216	107	14	investigate	investigate	VERB
amfbr-216	107	15	fraud	fraud	NOUN
amfbr-216	107	16	,	,	PUNCT
amfbr-216	107	17	greed	greed	NOUN
amfbr-216	107	18	,	,	PUNCT
amfbr-216	107	19	insider	insider	NOUN
amfbr-216	107	20	abuse	abuse	NOUN
amfbr-216	107	21	,	,	PUNCT
amfbr-216	107	22	etc	etc	X
amfbr-216	107	23	.	.	X
amfbr-216	108	1	these	these	PRON
amfbr-216	108	2	were	be	AUX
amfbr-216	108	3	the	the	DET
amfbr-216	108	4	succeeding	succeed	VERB
amfbr-216	108	5	results	result	NOUN
amfbr-216	108	6	of	of	ADP
amfbr-216	108	7	unethical	unethical	ADJ
amfbr-216	108	8	behavior	behavior	NOUN
amfbr-216	108	9	from	from	ADP
amfbr-216	108	10	both	both	DET
amfbr-216	108	11	bank	bank	NOUN
amfbr-216	108	12	staff	staff	NOUN
amfbr-216	108	13	and	and	CCONJ
amfbr-216	108	14	management	management	NOUN
amfbr-216	108	15	.	.	PUNCT
amfbr-216	109	1	unethical	unethical	ADJ
amfbr-216	109	2	behavior	behavior	NOUN
amfbr-216	109	3	is	be	AUX
amfbr-216	109	4	responsible	responsible	ADJ
amfbr-216	109	5	for	for	ADP
amfbr-216	109	6	distress	distress	NOUN
amfbr-216	109	7	in	in	ADP
amfbr-216	109	8	banks	bank	NOUN
amfbr-216	109	9	.	.	PUNCT
amfbr-216	110	1	and	and	CCONJ
amfbr-216	110	2	apparently	apparently	ADV
amfbr-216	110	3	,	,	PUNCT
amfbr-216	110	4	punishments	punishment	NOUN
amfbr-216	110	5	for	for	ADP
amfbr-216	110	6	these	these	DET
amfbr-216	110	7	unprofessional	unprofessional	ADJ
amfbr-216	110	8	behaviors	behavior	NOUN
amfbr-216	110	9	are	be	AUX
amfbr-216	110	10	trivial	trivial	ADJ
amfbr-216	110	11	.	.	PUNCT
amfbr-216	111	1	2.1.7	2.1.7	NUM
amfbr-216	111	2	poor	poor	ADJ
amfbr-216	111	3	corporate	corporate	ADJ
amfbr-216	111	4	governance	governance	NOUN
amfbr-216	111	5	practices	practice	NOUN
amfbr-216	111	6	in	in	ADP
amfbr-216	111	7	the	the	DET
amfbr-216	111	8	banking	banking	NOUN
amfbr-216	111	9	sector	sector	NOUN
amfbr-216	111	10	,	,	PUNCT
amfbr-216	111	11	proper	proper	ADJ
amfbr-216	111	12	governance	governance	NOUN
amfbr-216	111	13	is	be	AUX
amfbr-216	111	14	vital	vital	ADJ
amfbr-216	111	15	for	for	ADP
amfbr-216	111	16	improvement	improvement	NOUN
amfbr-216	111	17	of	of	ADP
amfbr-216	111	18	company	company	NOUN
amfbr-216	111	19	performance	performance	NOUN
amfbr-216	111	20	,	,	PUNCT
amfbr-216	111	21	attraction	attraction	NOUN
amfbr-216	111	22	of	of	ADP
amfbr-216	111	23	investors	investor	NOUN
amfbr-216	111	24	and	and	CCONJ
amfbr-216	111	25	numerous	numerous	ADJ
amfbr-216	111	26	more	more	ADJ
amfbr-216	111	27	benefits	benefit	NOUN
amfbr-216	111	28	.	.	PUNCT
amfbr-216	112	1	whistle	whistle	VERB
amfbr-216	112	2	blowing	blow	VERB
amfbr-216	112	3	and	and	CCONJ
amfbr-216	112	4	business	business	NOUN
amfbr-216	112	5	ethics	ethic	NOUN
amfbr-216	112	6	which	which	PRON
amfbr-216	112	7	can	can	AUX
amfbr-216	112	8	be	be	AUX
amfbr-216	112	9	encouraged	encourage	VERB
amfbr-216	112	10	through	through	ADP
amfbr-216	112	11	moral	moral	ADJ
amfbr-216	112	12	corporate	corporate	ADJ
amfbr-216	112	13	governance	governance	NOUN
amfbr-216	112	14	,	,	PUNCT
amfbr-216	112	15	would	would	AUX
amfbr-216	112	16	undoubtedly	undoubtedly	ADV
amfbr-216	112	17	lead	lead	VERB
amfbr-216	112	18	to	to	ADP
amfbr-216	112	19	reduction	reduction	NOUN
amfbr-216	112	20	in	in	ADP
amfbr-216	112	21	fraud	fraud	NOUN
amfbr-216	112	22	in	in	ADP
amfbr-216	112	23	money	money	NOUN
amfbr-216	112	24	deposit	deposit	NOUN
amfbr-216	112	25	banks	bank	NOUN
amfbr-216	112	26	.	.	PUNCT
amfbr-216	113	1	unfortunately	unfortunately	ADV
amfbr-216	113	2	,	,	PUNCT
amfbr-216	113	3	a	a	DET
amfbr-216	113	4	substantial	substantial	ADJ
amfbr-216	113	5	number	number	NOUN
amfbr-216	113	6	of	of	ADP
amfbr-216	113	7	nigerian	nigerian	ADJ
amfbr-216	113	8	banks	bank	NOUN
amfbr-216	113	9	lack	lack	VERB
amfbr-216	113	10	moral	moral	ADJ
amfbr-216	113	11	corporate	corporate	ADJ
amfbr-216	113	12	governance	governance	NOUN
amfbr-216	113	13	practices	practice	NOUN
amfbr-216	113	14	.	.	PUNCT
amfbr-216	114	1	the	the	DET
amfbr-216	114	2	new	new	ADJ
amfbr-216	114	3	code	code	NOUN
amfbr-216	114	4	of	of	ADP
amfbr-216	114	5	corporate	corporate	ADJ
amfbr-216	114	6	governance	governance	NOUN
amfbr-216	114	7	for	for	ADP
amfbr-216	114	8	banks	bank	NOUN
amfbr-216	114	9	is	be	AUX
amfbr-216	114	10	sufficient	sufficient	ADJ
amfbr-216	114	11	to	to	PART
amfbr-216	114	12	minimize	minimize	VERB
amfbr-216	114	13	bank	bank	NOUN
amfbr-216	114	14	distress	distress	NOUN
amfbr-216	114	15	.	.	PUNCT
amfbr-216	115	1	but	but	CCONJ
amfbr-216	115	2	do	do	AUX
amfbr-216	115	3	banks	bank	NOUN
amfbr-216	115	4	adhere	adhere	VERB
amfbr-216	115	5	to	to	ADP
amfbr-216	115	6	this	this	PRON
amfbr-216	115	7	?	?	PUNCT
amfbr-216	116	1	most	most	ADJ
amfbr-216	116	2	of	of	ADP
amfbr-216	116	3	the	the	DET
amfbr-216	116	4	banks	bank	NOUN
amfbr-216	116	5	do	do	AUX
amfbr-216	116	6	not	not	PART
amfbr-216	116	7	actually	actually	ADV
amfbr-216	116	8	adhere	adhere	VERB
amfbr-216	116	9	to	to	ADP
amfbr-216	116	10	corporate	corporate	ADJ
amfbr-216	116	11	governance	governance	NOUN
amfbr-216	116	12	practice	practice	NOUN
amfbr-216	116	13	and	and	CCONJ
amfbr-216	116	14	there	there	PRON
amfbr-216	116	15	is	be	VERB
amfbr-216	116	16	need	need	NOUN
amfbr-216	116	17	for	for	SCONJ
amfbr-216	116	18	them	they	PRON
amfbr-216	116	19	to	to	PART
amfbr-216	116	20	see	see	VERB
amfbr-216	116	21	this	this	PRON
amfbr-216	116	22	as	as	ADP
amfbr-216	116	23	a	a	DET
amfbr-216	116	24	serious	serious	ADJ
amfbr-216	116	25	challenge	challenge	NOUN
amfbr-216	116	26	facing	face	VERB
amfbr-216	116	27	the	the	DET
amfbr-216	116	28	sector	sector	NOUN
amfbr-216	116	29	.	.	PUNCT
amfbr-216	117	1	to	to	PART
amfbr-216	117	2	function	function	VERB
amfbr-216	117	3	more	more	ADV
amfbr-216	117	4	effectively	effectively	ADV
amfbr-216	117	5	and	and	CCONJ
amfbr-216	117	6	efficiently	efficiently	ADV
amfbr-216	117	7	banks	bank	NOUN
amfbr-216	117	8	should	should	AUX
amfbr-216	117	9	embrace	embrace	VERB
amfbr-216	117	10	the	the	DET
amfbr-216	117	11	corporate	corporate	ADJ
amfbr-216	117	12	governance	governance	NOUN
amfbr-216	117	13	issue	issue	NOUN
amfbr-216	117	14	as	as	ADV
amfbr-216	117	15	soon	soon	ADV
amfbr-216	117	16	as	as	ADP
amfbr-216	117	17	possible	possible	ADJ
amfbr-216	117	18	.	.	PUNCT
amfbr-216	118	1	2.1.8	2.1.8	NUM
amfbr-216	118	2	reliance	reliance	NOUN
amfbr-216	118	3	on	on	ADP
amfbr-216	118	4	public	public	ADJ
amfbr-216	118	5	sector	sector	NOUN
amfbr-216	118	6	funds	fund	NOUN
amfbr-216	118	7	most	most	ADJ
amfbr-216	118	8	banks	bank	NOUN
amfbr-216	118	9	have	have	AUX
amfbr-216	118	10	abandoned	abandon	VERB
amfbr-216	118	11	the	the	DET
amfbr-216	118	12	private	private	ADJ
amfbr-216	118	13	sector	sector	NOUN
amfbr-216	118	14	in	in	ADP
amfbr-216	118	15	their	their	PRON
amfbr-216	118	16	chase	chase	NOUN
amfbr-216	118	17	for	for	ADP
amfbr-216	118	18	government	government	NOUN
amfbr-216	118	19	funds	fund	NOUN
amfbr-216	118	20	.	.	PUNCT
amfbr-216	119	1	heavy	heavy	ADJ
amfbr-216	119	2	dependence	dependence	NOUN
amfbr-216	119	3	on	on	ADP
amfbr-216	119	4	the	the	DET
amfbr-216	119	5	public	public	ADJ
amfbr-216	119	6	sector	sector	NOUN
amfbr-216	119	7	,	,	PUNCT
amfbr-216	119	8	crowds	crowd	NOUN
amfbr-216	119	9	out	out	ADP
amfbr-216	119	10	the	the	DET
amfbr-216	119	11	private	private	ADJ
amfbr-216	119	12	sector	sector	NOUN
amfbr-216	119	13	from	from	ADP
amfbr-216	119	14	the	the	DET
amfbr-216	119	15	economy	economy	NOUN
amfbr-216	119	16	.	.	PUNCT
amfbr-216	120	1	consequentially	consequentially	ADV
amfbr-216	120	2	,	,	PUNCT
amfbr-216	120	3	the	the	DET
amfbr-216	120	4	central	central	ADJ
amfbr-216	120	5	bank	bank	PROPN
amfbr-216	120	6	of	of	ADP
amfbr-216	120	7	nigeria	nigeria	PROPN
amfbr-216	120	8	released	release	VERB
amfbr-216	120	9	a	a	DET
amfbr-216	120	10	policy	policy	NOUN
amfbr-216	120	11	on	on	ADP
amfbr-216	120	12	the	the	DET
amfbr-216	120	13	increment	increment	NOUN
amfbr-216	120	14	of	of	ADP
amfbr-216	120	15	cash	cash	NOUN
amfbr-216	120	16	reserve	reserve	NOUN
amfbr-216	120	17	requirement	requirement	NOUN
amfbr-216	120	18	for	for	ADP
amfbr-216	120	19	public	public	ADJ
amfbr-216	120	20	sector	sector	NOUN
amfbr-216	120	21	.	.	PUNCT
amfbr-216	121	1	with	with	ADP
amfbr-216	121	2	the	the	DET
amfbr-216	121	3	implementation	implementation	NOUN
amfbr-216	121	4	of	of	ADP
amfbr-216	121	5	this	this	DET
amfbr-216	121	6	policy	policy	NOUN
amfbr-216	121	7	,	,	PUNCT
amfbr-216	121	8	most	most	ADJ
amfbr-216	121	9	banks	bank	NOUN
amfbr-216	121	10	began	begin	VERB
amfbr-216	121	11	to	to	PART
amfbr-216	121	12	source	source	VERB
amfbr-216	121	13	for	for	ADP
amfbr-216	121	14	income	income	NOUN
amfbr-216	121	15	in	in	ADP
amfbr-216	121	16	the	the	DET
amfbr-216	121	17	private	private	ADJ
amfbr-216	121	18	sector	sector	NOUN
amfbr-216	121	19	2.1.9	2.1.9	NUM
amfbr-216	121	20	implementation	implementation	NOUN
amfbr-216	121	21	of	of	ADP
amfbr-216	121	22	the	the	DET
amfbr-216	121	23	tsa	tsa	PROPN
amfbr-216	121	24	treasury	treasury	PROPN
amfbr-216	121	25	single	single	ADJ
amfbr-216	121	26	account	account	NOUN
amfbr-216	121	27	the	the	DET
amfbr-216	121	28	treasury	treasury	PROPN
amfbr-216	121	29	single	single	ADJ
amfbr-216	121	30	account	account	NOUN
amfbr-216	121	31	is	be	AUX
amfbr-216	121	32	a	a	DET
amfbr-216	121	33	financial	financial	ADJ
amfbr-216	121	34	policy	policy	NOUN
amfbr-216	121	35	used	use	VERB
amfbr-216	121	36	in	in	ADP
amfbr-216	121	37	several	several	ADJ
amfbr-216	121	38	countries	country	NOUN
amfbr-216	121	39	all	all	ADV
amfbr-216	121	40	over	over	ADP
amfbr-216	121	41	the	the	DET
amfbr-216	121	42	world	world	NOUN
amfbr-216	121	43	.	.	PUNCT
amfbr-216	122	1	like	like	ADP
amfbr-216	122	2	other	other	ADJ
amfbr-216	122	3	third	third	ADJ
amfbr-216	122	4	world	world	NOUN
amfbr-216	122	5	countries	country	NOUN
amfbr-216	122	6	,	,	PUNCT
amfbr-216	122	7	it	it	PRON
amfbr-216	122	8	was	be	AUX
amfbr-216	122	9	introduced	introduce	VERB
amfbr-216	122	10	by	by	ADP
amfbr-216	122	11	the	the	DET
amfbr-216	122	12	federal	federal	ADJ
amfbr-216	122	13	government	government	NOUN
amfbr-216	122	14	of	of	ADP
amfbr-216	122	15	nigeria	nigeria	PROPN
amfbr-216	122	16	in	in	ADP
amfbr-216	122	17	2012	2012	NUM
amfbr-216	122	18	to	to	PART
amfbr-216	122	19	consolidate	consolidate	VERB
amfbr-216	122	20	all	all	DET
amfbr-216	122	21	inflows	inflow	NOUN
amfbr-216	122	22	from	from	ADP
amfbr-216	122	23	all	all	DET
amfbr-216	122	24	agencies	agency	NOUN
amfbr-216	122	25	of	of	ADP
amfbr-216	122	26	government	government	NOUN
amfbr-216	122	27	into	into	ADP
amfbr-216	122	28	a	a	DET
amfbr-216	122	29	single	single	ADJ
amfbr-216	122	30	account	account	NOUN
amfbr-216	122	31	at	at	ADP
amfbr-216	122	32	the	the	DET
amfbr-216	122	33	central	central	ADJ
amfbr-216	122	34	bank	bank	PROPN
amfbr-216	122	35	of	of	ADP
amfbr-216	122	36	nigeria	nigeria	PROPN
amfbr-216	122	37	.	.	PUNCT
amfbr-216	123	1	but	but	CCONJ
amfbr-216	123	2	the	the	DET
amfbr-216	123	3	previous	previous	ADJ
amfbr-216	123	4	government	government	NOUN
amfbr-216	123	5	lack	lack	VERB
amfbr-216	123	6	the	the	DET
amfbr-216	123	7	political	political	ADJ
amfbr-216	123	8	will	will	NOUN
amfbr-216	123	9	to	to	PART
amfbr-216	123	10	implement	implement	VERB
amfbr-216	123	11	the	the	DET
amfbr-216	123	12	policy	policy	NOUN
amfbr-216	123	13	until	until	SCONJ
amfbr-216	123	14	the	the	DET
amfbr-216	123	15	coming	coming	NOUN
amfbr-216	123	16	of	of	ADP
amfbr-216	123	17	apc	apc	PROPN
amfbr-216	123	18	government	government	NOUN
amfbr-216	123	19	in	in	ADP
amfbr-216	123	20	2015	2015	NUM
amfbr-216	123	21	were	be	AUX
amfbr-216	123	22	tsa	tsa	NOUN
amfbr-216	123	23	policy	policy	NOUN
amfbr-216	123	24	was	be	AUX
amfbr-216	123	25	implemented	implement	VERB
amfbr-216	123	26	and	and	CCONJ
amfbr-216	123	27	it	it	PRON
amfbr-216	123	28	is	be	AUX
amfbr-216	123	29	yielding	yield	VERB
amfbr-216	123	30	positive	positive	ADJ
amfbr-216	123	31	result	result	NOUN
amfbr-216	123	32	in	in	ADP
amfbr-216	123	33	the	the	DET
amfbr-216	123	34	economy	economy	NOUN
amfbr-216	123	35	as	as	ADV
amfbr-216	123	36	currently	currently	ADV
amfbr-216	123	37	over	over	ADP
amfbr-216	123	38	n6	n6	PROPN
amfbr-216	123	39	trillion	trillion	NUM
amfbr-216	123	40	was	be	AUX
amfbr-216	123	41	save	save	ADJ
amfbr-216	123	42	under	under	ADP
amfbr-216	123	43	tsa	tsa	PROPN
amfbr-216	123	44	.	.	PUNCT
amfbr-216	124	1	this	this	DET
amfbr-216	124	2	system	system	NOUN
amfbr-216	124	3	establishes	establish	VERB
amfbr-216	124	4	a	a	DET
amfbr-216	124	5	unified	unified	ADJ
amfbr-216	124	6	structure	structure	NOUN
amfbr-216	124	7	as	as	SCONJ
amfbr-216	124	8	advised	advise	VERB
amfbr-216	124	9	by	by	ADP
amfbr-216	124	10	the	the	DET
amfbr-216	124	11	international	international	ADJ
amfbr-216	124	12	monetary	monetary	ADJ
amfbr-216	124	13	fund	fund	NOUN
amfbr-216	124	14	where	where	SCONJ
amfbr-216	124	15	all	all	DET
amfbr-216	124	16	government	government	NOUN
amfbr-216	124	17	funds	fund	NOUN
amfbr-216	124	18	are	be	AUX
amfbr-216	124	19	collected	collect	VERB
amfbr-216	124	20	in	in	ADP
amfbr-216	124	21	one	one	NUM
amfbr-216	124	22	account	account	NOUN
amfbr-216	124	23	as	as	SCONJ
amfbr-216	124	24	this	this	PRON
amfbr-216	124	25	would	would	AUX
amfbr-216	124	26	reduce	reduce	VERB
amfbr-216	124	27	borrowing	borrowing	NOUN
amfbr-216	124	28	costs	cost	NOUN
amfbr-216	124	29	,	,	PUNCT
amfbr-216	124	30	extend	extend	VERB
amfbr-216	124	31	credit	credit	NOUN
amfbr-216	124	32	and	and	CCONJ
amfbr-216	124	33	improve	improve	VERB
amfbr-216	124	34	government	government	NOUN
amfbr-216	124	35	’s	’s	PART
amfbr-216	124	36	fiscal	fiscal	ADJ
amfbr-216	124	37	policy	policy	NOUN
amfbr-216	124	38	,	,	PUNCT
amfbr-216	124	39	among	among	ADP
amfbr-216	124	40	other	other	ADJ
amfbr-216	124	41	benefits	benefit	NOUN
amfbr-216	124	42	.	.	PUNCT
amfbr-216	125	1	2.1.10	2.1.10	NUM
amfbr-216	125	2	insecurity	insecurity	NOUN
amfbr-216	125	3	and	and	CCONJ
amfbr-216	125	4	bank	bank	NOUN
amfbr-216	125	5	fraud	fraud	NOUN
amfbr-216	125	6	fraud	fraud	PROPN
amfbr-216	125	7	according	accord	VERB
amfbr-216	125	8	to	to	ADP
amfbr-216	125	9	adeniji	adeniji	PROPN
amfbr-216	125	10	(	(	PUNCT
amfbr-216	125	11	2004	2004	NUM
amfbr-216	125	12	)	)	PUNCT
amfbr-216	125	13	and	and	CCONJ
amfbr-216	125	14	asuquo	asuquo	NOUN
amfbr-216	125	15	(	(	PUNCT
amfbr-216	125	16	2005	2005	NUM
amfbr-216	125	17	)	)	PUNCT
amfbr-216	125	18	is	be	AUX
amfbr-216	125	19	an	an	DET
amfbr-216	125	20	intentional	intentional	ADJ
amfbr-216	125	21	act	act	NOUN
amfbr-216	125	22	by	by	ADP
amfbr-216	125	23	one	one	NUM
amfbr-216	125	24	or	or	CCONJ
amfbr-216	125	25	more	more	ADJ
amfbr-216	125	26	individuals	individual	NOUN
amfbr-216	125	27	among	among	ADP
amfbr-216	125	28	management	management	NOUN
amfbr-216	125	29	,	,	PUNCT
amfbr-216	125	30	employees	employee	NOUN
amfbr-216	125	31	or	or	CCONJ
amfbr-216	125	32	third	third	ADJ
amfbr-216	125	33	parties	party	NOUN
amfbr-216	125	34	which	which	PRON
amfbr-216	125	35	results	result	VERB
amfbr-216	125	36	in	in	ADP
amfbr-216	125	37	a	a	DET
amfbr-216	125	38	misrepresentation	misrepresentation	NOUN
amfbr-216	125	39	of	of	ADP
amfbr-216	125	40	financial	financial	ADJ
amfbr-216	125	41	statement	statement	NOUN
amfbr-216	125	42	.	.	PUNCT
amfbr-216	126	1	the	the	DET
amfbr-216	126	2	issue	issue	NOUN
amfbr-216	126	3	of	of	ADP
amfbr-216	126	4	insecurity	insecurity	NOUN
amfbr-216	126	5	and	and	CCONJ
amfbr-216	126	6	fraud	fraud	NOUN
amfbr-216	126	7	in	in	ADP
amfbr-216	126	8	the	the	DET
amfbr-216	126	9	banking	banking	NOUN
amfbr-216	126	10	sector	sector	NOUN
amfbr-216	126	11	is	be	AUX
amfbr-216	126	12	an	an	DET
amfbr-216	126	13	interruption	interruption	NOUN
amfbr-216	126	14	to	to	ADP
amfbr-216	126	15	the	the	DET
amfbr-216	126	16	roles	role	NOUN
amfbr-216	126	17	banks	bank	NOUN
amfbr-216	126	18	play	play	VERB
amfbr-216	126	19	towards	towards	ADP
amfbr-216	126	20	economic	economic	ADJ
amfbr-216	126	21	development	development	NOUN
amfbr-216	126	22	of	of	ADP
amfbr-216	126	23	the	the	DET
amfbr-216	126	24	country	country	NOUN
amfbr-216	126	25	clementina	clementina	PROPN
amfbr-216	126	26	,	,	PUNCT
amfbr-216	126	27	&	&	CCONJ
amfbr-216	126	28	isu	isu	PROPN
amfbr-216	126	29	,	,	PUNCT
amfbr-216	126	30	[	[	X
amfbr-216	126	31	2016	2016	NUM
amfbr-216	126	32	]	]	PUNCT
amfbr-216	126	33	.	.	PUNCT
amfbr-216	127	1	the	the	DET
amfbr-216	127	2	increasing	increase	VERB
amfbr-216	127	3	incidence	incidence	NOUN
amfbr-216	127	4	of	of	ADP
amfbr-216	127	5	insecurity	insecurity	NOUN
amfbr-216	127	6	and	and	CCONJ
amfbr-216	127	7	frauds	fraud	NOUN
amfbr-216	127	8	affect	affect	VERB
amfbr-216	127	9	the	the	DET
amfbr-216	127	10	already	already	ADV
amfbr-216	127	11	survival	survival	NOUN
amfbr-216	127	12	and	and	CCONJ
amfbr-216	127	13	viability	viability	NOUN
amfbr-216	127	14	of	of	ADP
amfbr-216	127	15	the	the	DET
amfbr-216	127	16	banking	banking	NOUN
amfbr-216	127	17	sector	sector	NOUN
amfbr-216	127	18	.	.	PUNCT
amfbr-216	128	1	fraud	fraud	NOUN
amfbr-216	128	2	is	be	AUX
amfbr-216	128	3	not	not	PART
amfbr-216	128	4	unique	unique	ADJ
amfbr-216	128	5	to	to	ADP
amfbr-216	128	6	the	the	DET
amfbr-216	128	7	banking	banking	NOUN
amfbr-216	128	8	sector	sector	NOUN
amfbr-216	128	9	but	but	CCONJ
amfbr-216	128	10	due	due	ADP
amfbr-216	128	11	to	to	ADP
amfbr-216	128	12	the	the	DET
amfbr-216	128	13	product	product	NOUN
amfbr-216	128	14	which	which	PRON
amfbr-216	128	15	the	the	DET
amfbr-216	128	16	banks	bank	NOUN
amfbr-216	128	17	deal	deal	VERB
amfbr-216	128	18	on	on	ADP
amfbr-216	128	19	cash	cash	NOUN
amfbr-216	128	20	and	and	CCONJ
amfbr-216	128	21	nigeria	nigeria	PROPN
amfbr-216	128	22	is	be	AUX
amfbr-216	128	23	cash	cash	NOUN
amfbr-216	128	24	based	base	VERB
amfbr-216	128	25	economy	economy	NOUN
amfbr-216	128	26	,	,	PUNCT
amfbr-216	128	27	no	no	DET
amfbr-216	128	28	area	area	NOUN
amfbr-216	128	29	of	of	ADP
amfbr-216	128	30	banking	banking	NOUN
amfbr-216	128	31	system	system	NOUN
amfbr-216	128	32	is	be	AUX
amfbr-216	128	33	immune	immune	ADJ
amfbr-216	128	34	to	to	ADP
amfbr-216	128	35	fraudsters	fraudster	NOUN
amfbr-216	128	36	,	,	PUNCT
amfbr-216	128	37	not	not	PART
amfbr-216	128	38	even	even	ADV
amfbr-216	128	39	the	the	DET
amfbr-216	128	40	operational	operational	ADJ
amfbr-216	128	41	security	security	NOUN
amfbr-216	128	42	.	.	PUNCT
amfbr-216	129	1	the	the	DET
amfbr-216	129	2	characteristic	characteristic	NOUN
amfbr-216	129	3	of	of	ADP
amfbr-216	129	4	this	this	DET
amfbr-216	129	5	economy	economy	NOUN
amfbr-216	129	6	is	be	AUX
amfbr-216	129	7	that	that	SCONJ
amfbr-216	129	8	the	the	DET
amfbr-216	129	9	cash	cash	NOUN
amfbr-216	129	10	will	will	AUX
amfbr-216	129	11	be	be	AUX
amfbr-216	129	12	physically	physically	ADV
amfbr-216	129	13	held	hold	VERB
amfbr-216	129	14	and	and	CCONJ
amfbr-216	129	15	touched	touch	VERB
amfbr-216	129	16	.	.	PUNCT
amfbr-216	130	1	in	in	ADP
amfbr-216	130	2	nigeria	nigeria	PROPN
amfbr-216	130	3	,	,	PUNCT
amfbr-216	130	4	studies	study	NOUN
amfbr-216	130	5	indicate	indicate	VERB
amfbr-216	130	6	that	that	SCONJ
amfbr-216	130	7	more	more	ADJ
amfbr-216	130	8	than	than	ADP
amfbr-216	130	9	90	90	NUM
amfbr-216	130	10	%	%	NOUN
amfbr-216	130	11	of	of	ADP
amfbr-216	130	12	funds	fund	NOUN
amfbr-216	130	13	are	be	AUX
amfbr-216	130	14	outside	outside	ADP
amfbr-216	130	15	the	the	DET
amfbr-216	130	16	banking	banking	NOUN
amfbr-216	130	17	sector	sector	NOUN
amfbr-216	130	18	as	as	ADP
amfbr-216	130	19	against	against	ADP
amfbr-216	130	20	the	the	DET
amfbr-216	130	21	developed	developed	ADJ
amfbr-216	130	22	world	world	NOUN
amfbr-216	130	23	where	where	SCONJ
amfbr-216	130	24	the	the	DET
amfbr-216	130	25	money	money	NOUN
amfbr-216	130	26	in	in	ADP
amfbr-216	130	27	circulation	circulation	NOUN
amfbr-216	130	28	is	be	AUX
amfbr-216	130	29	4	4	NUM
amfbr-216	130	30	%	%	NOUN
amfbr-216	130	31	and	and	CCONJ
amfbr-216	130	32	9	9	NUM
amfbr-216	130	33	%	%	NOUN
amfbr-216	130	34	in	in	ADP
amfbr-216	130	35	the	the	DET
amfbr-216	130	36	uk	uk	PROPN
amfbr-216	130	37	and	and	CCONJ
amfbr-216	130	38	us	we	PRON
amfbr-216	130	39	respectively	respectively	ADV
amfbr-216	130	40	.	.	PUNCT
amfbr-216	131	1	this	this	PRON
amfbr-216	131	2	explains	explain	VERB
amfbr-216	131	3	the	the	DET
amfbr-216	131	4	reason	reason	NOUN
amfbr-216	131	5	for	for	ADP
amfbr-216	131	6	the	the	DET
amfbr-216	131	7	fragile	fragile	ADJ
amfbr-216	131	8	nature	nature	NOUN
amfbr-216	131	9	of	of	ADP
amfbr-216	131	10	our	our	PRON
amfbr-216	131	11	banking	banking	NOUN
amfbr-216	131	12	system	system	NOUN
amfbr-216	131	13	.	.	PUNCT
amfbr-216	132	1	the	the	DET
amfbr-216	132	2	increasing	increase	VERB
amfbr-216	132	3	rate	rate	NOUN
amfbr-216	132	4	of	of	ADP
amfbr-216	132	5	insecurity	insecurity	NOUN
amfbr-216	132	6	and	and	CCONJ
amfbr-216	132	7	fraud	fraud	NOUN
amfbr-216	132	8	in	in	ADP
amfbr-216	132	9	the	the	DET
amfbr-216	132	10	banking	banking	NOUN
amfbr-216	132	11	system	system	NOUN
amfbr-216	132	12	,	,	PUNCT
amfbr-216	132	13	if	if	SCONJ
amfbr-216	132	14	not	not	PART
amfbr-216	132	15	address	address	NOUN
amfbr-216	132	16	might	might	AUX
amfbr-216	132	17	pose	pose	VERB
amfbr-216	132	18	serious	serious	ADJ
amfbr-216	132	19	threats	threat	NOUN
amfbr-216	132	20	to	to	ADP
amfbr-216	132	21	the	the	DET
amfbr-216	132	22	stability	stability	NOUN
amfbr-216	132	23	and	and	CCONJ
amfbr-216	132	24	the	the	DET
amfbr-216	132	25	survival	survival	NOUN
amfbr-216	132	26	of	of	ADP
amfbr-216	132	27	individual	individual	ADJ
amfbr-216	132	28	banks	bank	NOUN
amfbr-216	132	29	and	and	CCONJ
amfbr-216	132	30	the	the	DET
amfbr-216	132	31	performance	performance	NOUN
amfbr-216	132	32	of	of	ADP
amfbr-216	132	33	the	the	DET
amfbr-216	132	34	sector	sector	NOUN
amfbr-216	132	35	as	as	ADP
amfbr-216	132	36	a	a	DET
amfbr-216	132	37	whole	whole	ADJ
amfbr-216	132	38	(	(	PUNCT
amfbr-216	132	39	nwankwo	nwankwo	NOUN
amfbr-216	132	40	,	,	PUNCT
amfbr-216	132	41	1991	1991	NUM
amfbr-216	132	42	)	)	PUNCT
amfbr-216	132	43	.	.	PUNCT
amfbr-216	133	1	lamenting	lament	VERB
amfbr-216	133	2	on	on	ADP
amfbr-216	133	3	the	the	DET
amfbr-216	133	4	ugly	ugly	ADJ
amfbr-216	133	5	impact	impact	NOUN
amfbr-216	133	6	of	of	ADP
amfbr-216	133	7	insecurity	insecurity	NOUN
amfbr-216	133	8	and	and	CCONJ
amfbr-216	133	9	fraud	fraud	NOUN
amfbr-216	133	10	in	in	ADP
amfbr-216	133	11	banks	bank	NOUN
amfbr-216	133	12	,	,	PUNCT
amfbr-216	133	13	saludo	saludo	PROPN
amfbr-216	133	14	(	(	PUNCT
amfbr-216	133	15	2004	2004	NUM
amfbr-216	133	16	)	)	PUNCT
amfbr-216	133	17	said	say	VERB
amfbr-216	133	18	that	that	SCONJ
amfbr-216	133	19	fraud	fraud	NOUN
amfbr-216	133	20	has	have	AUX
amfbr-216	133	21	left	leave	VERB
amfbr-216	133	22	untold	untold	ADJ
amfbr-216	133	23	hardship	hardship	NOUN
amfbr-216	133	24	on	on	ADP
amfbr-216	133	25	the	the	DET
amfbr-216	133	26	lives	life	NOUN
amfbr-216	133	27	of	of	ADP
amfbr-216	133	28	bank	bank	NOUN
amfbr-216	133	29	owners	owner	NOUN
amfbr-216	133	30	,	,	PUNCT
amfbr-216	133	31	staff	staff	NOUN
amfbr-216	133	32	,	,	PUNCT
amfbr-216	133	33	customers	customer	NOUN
amfbr-216	133	34	and	and	CCONJ
amfbr-216	133	35	family	family	NOUN
amfbr-216	133	36	members	member	NOUN
amfbr-216	133	37	as	as	SCONJ
amfbr-216	133	38	most	most	ADJ
amfbr-216	133	39	bank	bank	NOUN
amfbr-216	133	40	failures	failure	NOUN
amfbr-216	133	41	are	be	AUX
amfbr-216	133	42	always	always	ADV
amfbr-216	133	43	associated	associate	VERB
amfbr-216	133	44	with	with	ADP
amfbr-216	133	45	large	large	ADJ
amfbr-216	133	46	scale	scale	NOUN
amfbr-216	133	47	of	of	ADP
amfbr-216	133	48	frauds	fraud	NOUN
amfbr-216	133	49	.	.	PUNCT
amfbr-216	134	1	bank	bank	NOUN
amfbr-216	134	2	fraud	fraud	NOUN
amfbr-216	134	3	may	may	AUX
amfbr-216	134	4	take	take	VERB
amfbr-216	134	5	any	any	PRON
amfbr-216	134	6	of	of	ADP
amfbr-216	134	7	the	the	DET
amfbr-216	134	8	following	follow	VERB
amfbr-216	134	9	form	form	NOUN
amfbr-216	134	10	:	:	PUNCT
amfbr-216	134	11	suppression	suppression	NOUN
amfbr-216	134	12	of	of	ADP
amfbr-216	134	13	cash	cash	NOUN
amfbr-216	134	14	lodgments	lodgment	NOUN
amfbr-216	134	15	forgeries	forgery	NOUN
amfbr-216	134	16	of	of	ADP
amfbr-216	134	17	signatures	signature	NOUN
amfbr-216	134	18	abuse	abuse	NOUN
amfbr-216	134	19	of	of	ADP
amfbr-216	134	20	iou	iou	PROPN
amfbr-216	134	21	’s	’s	PART
amfbr-216	134	22	un	un	ADJ
amfbr-216	134	23	-	-	ADJ
amfbr-216	134	24	authorized	authorized	ADJ
amfbr-216	134	25	lending	lending	NOUN
amfbr-216	134	26	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-216	135	1	american	american	PROPN
amfbr-216	135	2	finance	finance	PROPN
amfbr-216	135	3	&	&	CCONJ
amfbr-216	135	4	banking	banking	PROPN
amfbr-216	135	5	review	review	PROPN
amfbr-216	135	6	vol	vol	NOUN
amfbr-216	135	7	.	.	PROPN
amfbr-216	136	1	3	3	NUM
amfbr-216	136	2	,	,	PUNCT
amfbr-216	136	3	no	no	INTJ
amfbr-216	136	4	.	.	NOUN
amfbr-216	136	5	1	1	NUM
amfbr-216	136	6	;	;	PUNCT
amfbr-216	136	7	2018	2018	NUM
amfbr-216	136	8	30	30	NUM
amfbr-216	136	9	fraudulent	fraudulent	ADJ
amfbr-216	136	10	use	use	NOUN
amfbr-216	136	11	of	of	ADP
amfbr-216	136	12	bank	bank	NOUN
amfbr-216	136	13	documents	document	NOUN
amfbr-216	136	14	over	over	ADP
amfbr-216	136	15	-	-	PUNCT
amfbr-216	136	16	invoicing	invoicing	NOUN
amfbr-216	136	17	of	of	ADP
amfbr-216	136	18	purchases	purchase	NOUN
amfbr-216	136	19	among	among	ADP
amfbr-216	136	20	others	other	NOUN
amfbr-216	136	21	fraudulent	fraudulent	ADJ
amfbr-216	136	22	loans	loan	NOUN
amfbr-216	136	23	forgery	forgery	NOUN
amfbr-216	136	24	and	and	CCONJ
amfbr-216	136	25	altered	alter	VERB
amfbr-216	136	26	cheques	cheque	NOUN
amfbr-216	136	27	2.1.11	2.1.11	NUM
amfbr-216	136	28	poor	poor	ADJ
amfbr-216	136	29	internal	internal	ADJ
amfbr-216	136	30	control	control	NOUN
amfbr-216	136	31	system	system	NOUN
amfbr-216	136	32	mechanism	mechanism	NOUN
amfbr-216	136	33	often	often	ADV
amfbr-216	136	34	times	time	VERB
amfbr-216	136	35	the	the	DET
amfbr-216	136	36	internal	internal	ADJ
amfbr-216	136	37	control	control	NOUN
amfbr-216	136	38	of	of	ADP
amfbr-216	136	39	many	many	ADJ
amfbr-216	136	40	banks	bank	NOUN
amfbr-216	136	41	is	be	AUX
amfbr-216	136	42	not	not	PART
amfbr-216	136	43	allow	allow	VERB
amfbr-216	136	44	to	to	PART
amfbr-216	136	45	functions	function	NOUN
amfbr-216	136	46	well	well	ADV
amfbr-216	136	47	due	due	ADP
amfbr-216	136	48	to	to	ADP
amfbr-216	136	49	management	management	NOUN
amfbr-216	136	50	interference	interference	NOUN
amfbr-216	136	51	.	.	PUNCT
amfbr-216	137	1	2.1.12	2.1.12	NUM
amfbr-216	137	2	restriction	restriction	NOUN
amfbr-216	137	3	on	on	ADP
amfbr-216	137	4	foreign	foreign	ADJ
amfbr-216	137	5	currency	currency	NOUN
amfbr-216	137	6	capital	capital	NOUN
amfbr-216	137	7	transactions	transaction	NOUN
amfbr-216	137	8	there	there	PRON
amfbr-216	137	9	are	be	VERB
amfbr-216	137	10	many	many	ADJ
amfbr-216	137	11	restrictions	restriction	NOUN
amfbr-216	137	12	on	on	ADP
amfbr-216	137	13	the	the	DET
amfbr-216	137	14	commercial	commercial	ADJ
amfbr-216	137	15	banks	bank	NOUN
amfbr-216	137	16	on	on	ADP
amfbr-216	137	17	foreign	foreign	ADJ
amfbr-216	137	18	currency	currency	NOUN
amfbr-216	137	19	transactions	transaction	NOUN
amfbr-216	137	20	and	and	CCONJ
amfbr-216	137	21	this	this	PRON
amfbr-216	137	22	do	do	AUX
amfbr-216	137	23	not	not	PART
amfbr-216	137	24	allow	allow	VERB
amfbr-216	137	25	banks	bank	NOUN
amfbr-216	137	26	to	to	PART
amfbr-216	137	27	actually	actually	ADV
amfbr-216	137	28	get	get	VERB
amfbr-216	137	29	involve	involve	NOUN
amfbr-216	137	30	on	on	ADP
amfbr-216	137	31	the	the	DET
amfbr-216	137	32	issue	issue	NOUN
amfbr-216	137	33	of	of	ADP
amfbr-216	137	34	foreign	foreign	ADJ
amfbr-216	137	35	currency	currency	NOUN
amfbr-216	137	36	at	at	ADP
amfbr-216	137	37	ease	ease	NOUN
amfbr-216	137	38	and	and	CCONJ
amfbr-216	137	39	therefore	therefore	ADV
amfbr-216	137	40	create	create	VERB
amfbr-216	137	41	a	a	DET
amfbr-216	137	42	hindrance	hindrance	NOUN
amfbr-216	137	43	for	for	SCONJ
amfbr-216	137	44	the	the	DET
amfbr-216	137	45	banks	bank	NOUN
amfbr-216	137	46	to	to	PART
amfbr-216	137	47	fully	fully	ADV
amfbr-216	137	48	have	have	VERB
amfbr-216	137	49	a	a	DET
amfbr-216	137	50	say	say	NOUN
amfbr-216	137	51	on	on	ADP
amfbr-216	137	52	the	the	DET
amfbr-216	137	53	foreign	foreign	ADJ
amfbr-216	137	54	currency	currency	NOUN
amfbr-216	137	55	transaction	transaction	NOUN
amfbr-216	137	56	in	in	ADP
amfbr-216	137	57	the	the	DET
amfbr-216	137	58	country	country	NOUN
amfbr-216	137	59	and	and	CCONJ
amfbr-216	137	60	create	create	VERB
amfbr-216	137	61	a	a	DET
amfbr-216	137	62	big	big	ADJ
amfbr-216	137	63	challenge	challenge	NOUN
amfbr-216	137	64	for	for	SCONJ
amfbr-216	137	65	the	the	DET
amfbr-216	137	66	banks	bank	NOUN
amfbr-216	137	67	to	to	PART
amfbr-216	137	68	satisfy	satisfy	VERB
amfbr-216	137	69	their	their	PRON
amfbr-216	137	70	customers	customer	NOUN
amfbr-216	137	71	that	that	PRON
amfbr-216	137	72	deals	deal	VERB
amfbr-216	137	73	with	with	ADP
amfbr-216	137	74	foreign	foreign	ADJ
amfbr-216	137	75	transactions	transaction	NOUN
amfbr-216	137	76	especially	especially	ADV
amfbr-216	137	77	the	the	DET
amfbr-216	137	78	demand	demand	NOUN
amfbr-216	137	79	of	of	ADP
amfbr-216	137	80	foreign	foreign	ADJ
amfbr-216	137	81	currency	currency	NOUN
amfbr-216	137	82	for	for	ADP
amfbr-216	137	83	importers	importer	NOUN
amfbr-216	137	84	and	and	CCONJ
amfbr-216	137	85	the	the	DET
amfbr-216	137	86	issue	issue	NOUN
amfbr-216	137	87	of	of	ADP
amfbr-216	137	88	bta	bta	PROPN
amfbr-216	137	89	.	.	PUNCT
amfbr-216	138	1	2.1.13	2.1.13	NUM
amfbr-216	138	2	need	need	VERB
amfbr-216	138	3	to	to	PART
amfbr-216	138	4	access	access	VERB
amfbr-216	138	5	banking	banking	NOUN
amfbr-216	138	6	services	service	NOUN
amfbr-216	138	7	at	at	ADP
amfbr-216	138	8	lower	low	ADJ
amfbr-216	138	9	costs	cost	NOUN
amfbr-216	138	10	(	(	PUNCT
amfbr-216	138	11	only	only	ADV
amfbr-216	138	12	possible	possible	ADJ
amfbr-216	138	13	if	if	SCONJ
amfbr-216	138	14	industry	industry	NOUN
amfbr-216	138	15	costs	cost	NOUN
amfbr-216	138	16	are	be	AUX
amfbr-216	138	17	lowered	lower	VERB
amfbr-216	138	18	)	)	PUNCT
amfbr-216	138	19	this	this	PRON
amfbr-216	138	20	is	be	AUX
amfbr-216	138	21	another	another	DET
amfbr-216	138	22	challenge	challenge	NOUN
amfbr-216	138	23	because	because	SCONJ
amfbr-216	138	24	customers	customer	NOUN
amfbr-216	138	25	want	want	VERB
amfbr-216	138	26	to	to	PART
amfbr-216	138	27	always	always	ADV
amfbr-216	138	28	access	access	VERB
amfbr-216	138	29	banking	banking	NOUN
amfbr-216	138	30	services	service	NOUN
amfbr-216	138	31	at	at	ADP
amfbr-216	138	32	possible	possible	ADJ
amfbr-216	138	33	lowest	low	ADJ
amfbr-216	138	34	cost	cost	NOUN
amfbr-216	138	35	,	,	PUNCT
amfbr-216	138	36	in	in	ADP
amfbr-216	138	37	fact	fact	NOUN
amfbr-216	138	38	a	a	DET
amfbr-216	138	39	customer	customer	NOUN
amfbr-216	138	40	want	want	VERB
amfbr-216	138	41	to	to	PART
amfbr-216	138	42	have	have	VERB
amfbr-216	138	43	banking	banking	NOUN
amfbr-216	138	44	service	service	NOUN
amfbr-216	138	45	at	at	ADP
amfbr-216	138	46	zero	zero	NUM
amfbr-216	138	47	cost	cost	NOUN
amfbr-216	138	48	if	if	SCONJ
amfbr-216	138	49	possible	possible	ADJ
amfbr-216	138	50	.	.	PUNCT
amfbr-216	139	1	this	this	PRON
amfbr-216	139	2	is	be	AUX
amfbr-216	139	3	actually	actually	ADV
amfbr-216	139	4	not	not	PART
amfbr-216	139	5	possible	possible	ADJ
amfbr-216	139	6	because	because	SCONJ
amfbr-216	139	7	banks	bank	NOUN
amfbr-216	139	8	are	be	AUX
amfbr-216	139	9	in	in	ADP
amfbr-216	139	10	business	business	NOUN
amfbr-216	139	11	to	to	PART
amfbr-216	139	12	make	make	VERB
amfbr-216	139	13	profit	profit	NOUN
amfbr-216	139	14	and	and	CCONJ
amfbr-216	139	15	satisfy	satisfy	VERB
amfbr-216	139	16	shareholder	shareholder	NOUN
amfbr-216	139	17	needs	need	NOUN
amfbr-216	139	18	.	.	PUNCT
amfbr-216	140	1	it	it	PRON
amfbr-216	140	2	is	be	AUX
amfbr-216	140	3	actually	actually	ADV
amfbr-216	140	4	a	a	DET
amfbr-216	140	5	challenge	challenge	NOUN
amfbr-216	140	6	for	for	ADP
amfbr-216	140	7	the	the	DET
amfbr-216	140	8	banking	banking	NOUN
amfbr-216	140	9	industry	industry	NOUN
amfbr-216	140	10	but	but	CCONJ
amfbr-216	140	11	they	they	PRON
amfbr-216	140	12	can	can	AUX
amfbr-216	140	13	minimize	minimize	VERB
amfbr-216	140	14	the	the	DET
amfbr-216	140	15	operation	operation	NOUN
amfbr-216	140	16	cost	cost	NOUN
amfbr-216	140	17	to	to	PART
amfbr-216	140	18	ensure	ensure	VERB
amfbr-216	140	19	that	that	SCONJ
amfbr-216	140	20	customers	customer	NOUN
amfbr-216	140	21	access	access	VERB
amfbr-216	140	22	banking	banking	NOUN
amfbr-216	140	23	services	service	NOUN
amfbr-216	140	24	at	at	ADP
amfbr-216	140	25	lowest	low	ADJ
amfbr-216	140	26	possible	possible	ADJ
amfbr-216	140	27	cost	cost	NOUN
amfbr-216	140	28	.	.	PUNCT
amfbr-216	141	1	2.1.14	2.1.14	NUM
amfbr-216	141	2	poor	poor	ADJ
amfbr-216	141	3	cost	cost	NOUN
amfbr-216	141	4	control	control	NOUN
amfbr-216	141	5	/	/	SYM
amfbr-216	141	6	cost	cost	NOUN
amfbr-216	141	7	reduction	reduction	NOUN
amfbr-216	141	8	most	most	ADJ
amfbr-216	141	9	of	of	ADP
amfbr-216	141	10	the	the	DET
amfbr-216	141	11	nigerian	nigerian	ADJ
amfbr-216	141	12	banks	bank	NOUN
amfbr-216	141	13	are	be	AUX
amfbr-216	141	14	not	not	PART
amfbr-216	141	15	embracing	embrace	VERB
amfbr-216	141	16	cost	cost	NOUN
amfbr-216	141	17	control	control	NOUN
amfbr-216	141	18	in	in	ADP
amfbr-216	141	19	terms	term	NOUN
amfbr-216	141	20	of	of	ADP
amfbr-216	141	21	their	their	PRON
amfbr-216	141	22	spending	spending	NOUN
amfbr-216	141	23	culture	culture	NOUN
amfbr-216	141	24	.	.	PUNCT
amfbr-216	142	1	banks	bank	NOUN
amfbr-216	142	2	themselves	themselves	PRON
amfbr-216	142	3	and	and	CCONJ
amfbr-216	142	4	the	the	DET
amfbr-216	142	5	staff	staff	NOUN
amfbr-216	142	6	are	be	AUX
amfbr-216	142	7	flashy	flashy	ADJ
amfbr-216	142	8	in	in	ADP
amfbr-216	142	9	life	life	NOUN
amfbr-216	142	10	and	and	CCONJ
amfbr-216	142	11	are	be	AUX
amfbr-216	142	12	not	not	PART
amfbr-216	142	13	actually	actually	ADV
amfbr-216	142	14	cutting	cut	VERB
amfbr-216	142	15	costs	cost	NOUN
amfbr-216	142	16	that	that	PRON
amfbr-216	142	17	supposed	suppose	VERB
amfbr-216	142	18	to	to	PART
amfbr-216	142	19	be	be	AUX
amfbr-216	142	20	reduced	reduce	VERB
amfbr-216	142	21	.	.	PUNCT
amfbr-216	143	1	example	example	VERB
amfbr-216	143	2	the	the	DET
amfbr-216	143	3	use	use	NOUN
amfbr-216	143	4	of	of	ADP
amfbr-216	143	5	exotic	exotic	ADJ
amfbr-216	143	6	and	and	CCONJ
amfbr-216	143	7	flashy	flashy	ADJ
amfbr-216	143	8	official	official	ADJ
amfbr-216	143	9	vehicles	vehicle	NOUN
amfbr-216	143	10	by	by	ADP
amfbr-216	143	11	banks	bank	NOUN
amfbr-216	143	12	;	;	PUNCT
amfbr-216	143	13	this	this	DET
amfbr-216	143	14	cost	cost	NOUN
amfbr-216	143	15	can	can	AUX
amfbr-216	143	16	actually	actually	ADV
amfbr-216	143	17	be	be	AUX
amfbr-216	143	18	cut	cut	VERB
amfbr-216	143	19	down	down	ADP
amfbr-216	143	20	if	if	SCONJ
amfbr-216	143	21	the	the	DET
amfbr-216	143	22	banks	bank	NOUN
amfbr-216	143	23	can	can	AUX
amfbr-216	143	24	revert	revert	VERB
amfbr-216	143	25	to	to	ADP
amfbr-216	143	26	using	use	VERB
amfbr-216	143	27	average	average	ADJ
amfbr-216	143	28	cars	car	NOUN
amfbr-216	143	29	for	for	ADP
amfbr-216	143	30	official	official	ADJ
amfbr-216	143	31	purpose	purpose	NOUN
amfbr-216	143	32	.	.	PUNCT
amfbr-216	144	1	2.1.15	2.1.15	NUM
amfbr-216	144	2	large	large	ADJ
amfbr-216	144	3	percentage	percentage	NOUN
amfbr-216	144	4	of	of	ADP
amfbr-216	144	5	non	non	ADJ
amfbr-216	144	6	-	-	ADJ
amfbr-216	144	7	performing	performing	ADJ
amfbr-216	144	8	loans	loan	NOUN
amfbr-216	144	9	defaulters	defaulter	NOUN
amfbr-216	144	10	are	be	AUX
amfbr-216	144	11	many	many	ADJ
amfbr-216	144	12	,	,	PUNCT
amfbr-216	144	13	ranging	range	VERB
amfbr-216	144	14	from	from	ADP
amfbr-216	144	15	corporate	corporate	ADJ
amfbr-216	144	16	defaulters	defaulter	NOUN
amfbr-216	144	17	to	to	ADP
amfbr-216	144	18	individuals	individual	NOUN
amfbr-216	144	19	defaulters	defaulter	NOUN
amfbr-216	144	20	and	and	CCONJ
amfbr-216	144	21	most	most	ADJ
amfbr-216	144	22	of	of	ADP
amfbr-216	144	23	the	the	DET
amfbr-216	144	24	defaulters	defaulter	NOUN
amfbr-216	144	25	are	be	AUX
amfbr-216	144	26	not	not	PART
amfbr-216	144	27	having	have	VERB
amfbr-216	144	28	substantial	substantial	ADJ
amfbr-216	144	29	security	security	NOUN
amfbr-216	144	30	where	where	SCONJ
amfbr-216	144	31	the	the	DET
amfbr-216	144	32	banks	bank	NOUN
amfbr-216	144	33	can	can	AUX
amfbr-216	144	34	easily	easily	ADV
amfbr-216	144	35	rely	rely	VERB
amfbr-216	144	36	on	on	ADP
amfbr-216	144	37	to	to	PART
amfbr-216	144	38	recover	recover	VERB
amfbr-216	144	39	their	their	PRON
amfbr-216	144	40	money	money	NOUN
amfbr-216	144	41	.	.	PUNCT
amfbr-216	145	1	there	there	PRON
amfbr-216	145	2	is	be	VERB
amfbr-216	145	3	presence	presence	NOUN
amfbr-216	145	4	of	of	ADP
amfbr-216	145	5	non	non	ADJ
amfbr-216	145	6	-	-	ADJ
amfbr-216	145	7	performing	performing	ADJ
amfbr-216	145	8	loans	loan	NOUN
amfbr-216	145	9	and	and	CCONJ
amfbr-216	145	10	this	this	PRON
amfbr-216	145	11	has	have	AUX
amfbr-216	145	12	adversely	adversely	ADV
amfbr-216	145	13	affected	affect	VERB
amfbr-216	145	14	the	the	DET
amfbr-216	145	15	financial	financial	ADJ
amfbr-216	145	16	performance	performance	NOUN
amfbr-216	145	17	of	of	ADP
amfbr-216	145	18	the	the	DET
amfbr-216	145	19	banks	bank	NOUN
amfbr-216	145	20	and	and	CCONJ
amfbr-216	145	21	consequently	consequently	ADV
amfbr-216	145	22	affects	affect	VERB
amfbr-216	145	23	the	the	DET
amfbr-216	145	24	benefits	benefit	NOUN
amfbr-216	145	25	of	of	ADP
amfbr-216	145	26	the	the	DET
amfbr-216	145	27	shareholders	shareholder	NOUN
amfbr-216	145	28	in	in	ADP
amfbr-216	145	29	terms	term	NOUN
amfbr-216	145	30	of	of	ADP
amfbr-216	145	31	the	the	DET
amfbr-216	145	32	dividend	dividend	NOUN
amfbr-216	145	33	that	that	PRON
amfbr-216	145	34	is	be	AUX
amfbr-216	145	35	to	to	PART
amfbr-216	145	36	be	be	AUX
amfbr-216	145	37	provided	provide	VERB
amfbr-216	145	38	.	.	PUNCT
amfbr-216	146	1	2.1.16	2.1.16	NUM
amfbr-216	146	2	high	high	ADJ
amfbr-216	146	3	cost	cost	NOUN
amfbr-216	146	4	of	of	ADP
amfbr-216	146	5	doing	do	VERB
amfbr-216	146	6	business	business	NOUN
amfbr-216	146	7	in	in	ADP
amfbr-216	146	8	the	the	DET
amfbr-216	146	9	environment	environment	NOUN
amfbr-216	146	10	the	the	DET
amfbr-216	146	11	cost	cost	NOUN
amfbr-216	146	12	of	of	ADP
amfbr-216	146	13	doing	do	VERB
amfbr-216	146	14	business	business	NOUN
amfbr-216	146	15	in	in	ADP
amfbr-216	146	16	nigeria	nigeria	PROPN
amfbr-216	146	17	is	be	AUX
amfbr-216	146	18	still	still	ADV
amfbr-216	146	19	high	high	ADJ
amfbr-216	146	20	when	when	SCONJ
amfbr-216	146	21	compared	compare	VERB
amfbr-216	146	22	with	with	ADP
amfbr-216	146	23	developed	develop	VERB
amfbr-216	146	24	economies	economy	NOUN
amfbr-216	146	25	or	or	CCONJ
amfbr-216	146	26	some	some	DET
amfbr-216	146	27	emerging	emerge	VERB
amfbr-216	146	28	and	and	CCONJ
amfbr-216	146	29	developing	develop	VERB
amfbr-216	146	30	countries	country	NOUN
amfbr-216	146	31	owing	owe	VERB
amfbr-216	146	32	to	to	ADP
amfbr-216	146	33	the	the	DET
amfbr-216	146	34	poor	poor	ADJ
amfbr-216	146	35	state	state	NOUN
amfbr-216	146	36	of	of	ADP
amfbr-216	146	37	infrastructure	infrastructure	NOUN
amfbr-216	146	38	.	.	PUNCT
amfbr-216	147	1	2.1.17	2.1.17	NUM
amfbr-216	147	2	challenge	challenge	NOUN
amfbr-216	147	3	of	of	ADP
amfbr-216	147	4	inadequate	inadequate	ADJ
amfbr-216	147	5	fx	fx	NOUN
amfbr-216	147	6	for	for	ADP
amfbr-216	147	7	customers	customer	NOUN
amfbr-216	147	8	customers	customer	NOUN
amfbr-216	147	9	find	find	VERB
amfbr-216	147	10	it	it	PRON
amfbr-216	147	11	difficult	difficult	ADJ
amfbr-216	147	12	to	to	PART
amfbr-216	147	13	get	get	VERB
amfbr-216	147	14	foreign	foreign	ADJ
amfbr-216	147	15	currencies	currency	NOUN
amfbr-216	147	16	from	from	ADP
amfbr-216	147	17	their	their	PRON
amfbr-216	147	18	banks	bank	NOUN
amfbr-216	147	19	especially	especially	ADV
amfbr-216	147	20	dollars	dollar	NOUN
amfbr-216	147	21	,	,	PUNCT
amfbr-216	147	22	euro	euro	NOUN
amfbr-216	147	23	and	and	CCONJ
amfbr-216	147	24	pounds	pound	NOUN
amfbr-216	147	25	sterling	sterling	NOUN
amfbr-216	147	26	,	,	PUNCT
amfbr-216	147	27	banks	bank	NOUN
amfbr-216	147	28	in	in	ADP
amfbr-216	147	29	nigeria	nigeria	PROPN
amfbr-216	147	30	are	be	AUX
amfbr-216	147	31	struggling	struggle	VERB
amfbr-216	147	32	to	to	PART
amfbr-216	147	33	source	source	VERB
amfbr-216	147	34	fx	fx	NOUN
amfbr-216	147	35	for	for	ADP
amfbr-216	147	36	imports	import	NOUN
amfbr-216	147	37	to	to	ADP
amfbr-216	147	38	their	their	PRON
amfbr-216	147	39	customers	customer	NOUN
amfbr-216	147	40	as	as	ADP
amfbr-216	147	41	a	a	DET
amfbr-216	147	42	result	result	NOUN
amfbr-216	147	43	if	if	SCONJ
amfbr-216	147	44	fail	fail	ADJ
amfbr-216	147	45	to	to	PART
amfbr-216	147	46	meet	meet	VERB
amfbr-216	147	47	fx	fx	NOUN
amfbr-216	147	48	for	for	ADP
amfbr-216	147	49	customers	customer	NOUN
amfbr-216	147	50	tends	tend	VERB
amfbr-216	147	51	to	to	PART
amfbr-216	147	52	lose	lose	VERB
amfbr-216	147	53	some	some	PRON
amfbr-216	147	54	of	of	ADP
amfbr-216	147	55	their	their	PRON
amfbr-216	147	56	important	important	ADJ
amfbr-216	147	57	customers	customer	NOUN
amfbr-216	147	58	.	.	PUNCT
amfbr-216	148	1	2.1.18	2.1.18	NUM
amfbr-216	148	2	violations	violation	NOUN
amfbr-216	148	3	of	of	ADP
amfbr-216	148	4	the	the	DET
amfbr-216	148	5	banking	banking	NOUN
amfbr-216	148	6	laws	law	NOUN
amfbr-216	148	7	,	,	PUNCT
amfbr-216	148	8	rules	rule	NOUN
amfbr-216	148	9	and	and	CCONJ
amfbr-216	148	10	regulations	regulation	NOUN
amfbr-216	148	11	as	as	SCONJ
amfbr-216	148	12	reported	report	VERB
amfbr-216	148	13	by	by	ADP
amfbr-216	148	14	the	the	DET
amfbr-216	148	15	ndic	ndic	PROPN
amfbr-216	148	16	nigeria	nigeria	PROPN
amfbr-216	148	17	has	have	VERB
amfbr-216	148	18	the	the	DET
amfbr-216	148	19	fastest	fast	ADJ
amfbr-216	148	20	growing	grow	VERB
amfbr-216	148	21	banking	banking	NOUN
amfbr-216	148	22	system	system	NOUN
amfbr-216	148	23	in	in	ADP
amfbr-216	148	24	africa	africa	PROPN
amfbr-216	148	25	,	,	PUNCT
amfbr-216	148	26	and	and	CCONJ
amfbr-216	148	27	one	one	NUM
amfbr-216	148	28	of	of	ADP
amfbr-216	148	29	the	the	DET
amfbr-216	148	30	fastest	fast	ADJ
amfbr-216	148	31	in	in	ADP
amfbr-216	148	32	the	the	DET
amfbr-216	148	33	world	world	NOUN
amfbr-216	148	34	,	,	PUNCT
amfbr-216	148	35	but	but	CCONJ
amfbr-216	148	36	the	the	DET
amfbr-216	148	37	violation	violation	NOUN
amfbr-216	148	38	of	of	ADP
amfbr-216	148	39	the	the	DET
amfbr-216	148	40	banking	banking	NOUN
amfbr-216	148	41	laws	law	NOUN
amfbr-216	148	42	pose	pose	VERB
amfbr-216	148	43	a	a	DET
amfbr-216	148	44	serious	serious	ADJ
amfbr-216	148	45	challenge	challenge	NOUN
amfbr-216	148	46	to	to	ADP
amfbr-216	148	47	this	this	DET
amfbr-216	148	48	development	development	NOUN
amfbr-216	148	49	charles	charles	PROPN
amfbr-216	148	50	soludo	soludo	PROPN
amfbr-216	148	51	[	[	X
amfbr-216	148	52	2004	2004	NUM
amfbr-216	148	53	]	]	PUNCT
amfbr-216	148	54	.	.	PUNCT
amfbr-216	149	1	banks	bank	NOUN
amfbr-216	149	2	most	most	ADV
amfbr-216	149	3	often	often	ADV
amfbr-216	149	4	violates	violate	VERB
amfbr-216	149	5	money	money	NOUN
amfbr-216	149	6	laundering	laundering	NOUN
amfbr-216	149	7	(	(	PUNCT
amfbr-216	149	8	prohibition	prohibition	NOUN
amfbr-216	149	9	)	)	PUNCT
amfbr-216	149	10	act	act	PROPN
amfbr-216	149	11	,	,	PUNCT
amfbr-216	149	12	2004	2004	NUM
amfbr-216	149	13	to	to	PART
amfbr-216	149	14	satisfy	satisfy	VERB
amfbr-216	149	15	the	the	DET
amfbr-216	149	16	needs	need	NOUN
amfbr-216	149	17	of	of	ADP
amfbr-216	149	18	their	their	PRON
amfbr-216	149	19	customers	customer	NOUN
amfbr-216	149	20	especially	especially	ADV
amfbr-216	149	21	the	the	DET
amfbr-216	149	22	rules	rule	NOUN
amfbr-216	149	23	pertaining	pertain	VERB
amfbr-216	149	24	to	to	PART
amfbr-216	149	25	“	"	PUNCT
amfbr-216	149	26	know	know	VERB
amfbr-216	149	27	your	your	PRON
amfbr-216	149	28	customers	customer	NOUN
amfbr-216	149	29	”	"	PUNCT
amfbr-216	149	30	(	(	PUNCT
amfbr-216	149	31	kyc	kyc	PROPN
amfbr-216	149	32	)	)	PUNCT
amfbr-216	149	33	requirements	requirement	NOUN
amfbr-216	149	34	and	and	CCONJ
amfbr-216	149	35	the	the	DET
amfbr-216	149	36	cash	cash	NOUN
amfbr-216	149	37	transfer	transfer	NOUN
amfbr-216	149	38	limits	limit	NOUN
amfbr-216	149	39	.	.	PUNCT
amfbr-216	150	1	2.1.19	2.1.19	NUM
amfbr-216	150	2	granting	grant	VERB
amfbr-216	150	3	credit	credit	NOUN
amfbr-216	150	4	facilities	facility	NOUN
amfbr-216	150	5	in	in	ADP
amfbr-216	150	6	excess	excess	NOUN
amfbr-216	150	7	of	of	ADP
amfbr-216	150	8	specified	specified	ADJ
amfbr-216	150	9	single	single	ADJ
amfbr-216	150	10	obligor	obligor	NOUN
amfbr-216	150	11	limits	limit	NOUN
amfbr-216	150	12	some	some	PRON
amfbr-216	150	13	of	of	ADP
amfbr-216	150	14	the	the	DET
amfbr-216	150	15	nigerian	nigerian	ADJ
amfbr-216	150	16	banks	bank	NOUN
amfbr-216	150	17	are	be	AUX
amfbr-216	150	18	still	still	ADV
amfbr-216	150	19	violating	violate	VERB
amfbr-216	150	20	the	the	DET
amfbr-216	150	21	credit	credit	NOUN
amfbr-216	150	22	guidelines	guideline	NOUN
amfbr-216	150	23	of	of	ADP
amfbr-216	150	24	the	the	DET
amfbr-216	150	25	specified	specify	VERB
amfbr-216	150	26	amount	amount	NOUN
amfbr-216	150	27	to	to	PART
amfbr-216	150	28	be	be	AUX
amfbr-216	150	29	granted	grant	VERB
amfbr-216	150	30	to	to	ADP
amfbr-216	150	31	the	the	DET
amfbr-216	150	32	single	single	ADJ
amfbr-216	150	33	borrower	borrower	NOUN
amfbr-216	150	34	and	and	CCONJ
amfbr-216	150	35	this	this	PRON
amfbr-216	150	36	pose	pose	VERB
amfbr-216	150	37	a	a	DET
amfbr-216	150	38	serious	serious	ADJ
amfbr-216	150	39	challenge	challenge	NOUN
amfbr-216	150	40	to	to	ADP
amfbr-216	150	41	the	the	DET
amfbr-216	150	42	banking	banking	NOUN
amfbr-216	150	43	operation	operation	NOUN
amfbr-216	150	44	and	and	CCONJ
amfbr-216	150	45	the	the	DET
amfbr-216	150	46	going	go	VERB
amfbr-216	150	47	concern	concern	NOUN
amfbr-216	150	48	of	of	ADP
amfbr-216	150	49	the	the	DET
amfbr-216	150	50	bank	bank	NOUN
amfbr-216	150	51	.	.	PUNCT
amfbr-216	151	1	2.1.20	2.1.20	NUM
amfbr-216	151	2	investments	investment	NOUN
amfbr-216	151	3	in	in	ADP
amfbr-216	151	4	subsidiaries	subsidiary	NOUN
amfbr-216	151	5	without	without	ADP
amfbr-216	151	6	cbn	cbn	PROPN
amfbr-216	151	7	approval	approval	NOUN
amfbr-216	151	8	and	and	CCONJ
amfbr-216	151	9	violation	violation	NOUN
amfbr-216	151	10	of	of	ADP
amfbr-216	151	11	corporate	corporate	ADJ
amfbr-216	151	12	governance	governance	NOUN
amfbr-216	151	13	practice	practice	NOUN
amfbr-216	151	14	some	some	DET
amfbr-216	151	15	banks	bank	NOUN
amfbr-216	151	16	had	have	AUX
amfbr-216	151	17	turned	turn	VERB
amfbr-216	151	18	their	their	PRON
amfbr-216	151	19	various	various	ADJ
amfbr-216	151	20	subsidiaries	subsidiary	NOUN
amfbr-216	151	21	into	into	ADP
amfbr-216	151	22	vehicles	vehicle	NOUN
amfbr-216	151	23	for	for	ADP
amfbr-216	151	24	circumventing	circumvent	VERB
amfbr-216	151	25	regulatory	regulatory	ADJ
amfbr-216	151	26	requirements	requirement	NOUN
amfbr-216	151	27	.	.	PUNCT
amfbr-216	152	1	for	for	ADP
amfbr-216	152	2	instance	instance	NOUN
amfbr-216	152	3	,	,	PUNCT
amfbr-216	152	4	some	some	DET
amfbr-216	152	5	banks	bank	NOUN
amfbr-216	152	6	engaged	engage	VERB
amfbr-216	152	7	in	in	ADP
amfbr-216	152	8	financing	finance	VERB
amfbr-216	152	9	highly	highly	ADV
amfbr-216	152	10	risky	risky	ADJ
amfbr-216	152	11	business	business	NOUN
amfbr-216	152	12	activities	activity	NOUN
amfbr-216	152	13	including	include	VERB
amfbr-216	152	14	speculative	speculative	ADJ
amfbr-216	152	15	trading	trading	NOUN
amfbr-216	152	16	in	in	ADP
amfbr-216	152	17	stocks	stock	NOUN
amfbr-216	152	18	and	and	CCONJ
amfbr-216	152	19	shares	share	NOUN
amfbr-216	152	20	through	through	ADP
amfbr-216	152	21	their	their	PRON
amfbr-216	152	22	respective	respective	ADJ
amfbr-216	152	23	subsidiaries	subsidiary	NOUN
amfbr-216	152	24	.	.	PUNCT
amfbr-216	153	1	in	in	ADP
amfbr-216	153	2	fact	fact	NOUN
amfbr-216	153	3	,	,	PUNCT
amfbr-216	153	4	the	the	DET
amfbr-216	153	5	cbn	cbn	NOUN
amfbr-216	153	6	reveal	reveal	VERB
amfbr-216	153	7	that	that	SCONJ
amfbr-216	153	8	banks	bank	NOUN
amfbr-216	153	9	total	total	ADJ
amfbr-216	153	10	exposure	exposure	NOUN
amfbr-216	153	11	to	to	ADP
amfbr-216	153	12	capital	capital	NOUN
amfbr-216	153	13	market	market	NOUN
amfbr-216	153	14	as	as	ADP
amfbr-216	153	15	at	at	ADP
amfbr-216	153	16	january	january	PROPN
amfbr-216	153	17	,	,	PUNCT
amfbr-216	153	18	2009	2009	NUM
amfbr-216	153	19	was	be	AUX
amfbr-216	153	20	n784	n784	PROPN
amfbr-216	153	21	billion	billion	NUM
amfbr-216	153	22	.	.	PUNCT
amfbr-216	154	1	presently	presently	ADV
amfbr-216	154	2	some	some	DET
amfbr-216	154	3	banks	bank	NOUN
amfbr-216	154	4	have	have	VERB
amfbr-216	154	5	various	various	ADJ
amfbr-216	154	6	weaknesses	weakness	NOUN
amfbr-216	154	7	in	in	ADP
amfbr-216	154	8	corporate	corporate	ADJ
amfbr-216	154	9	governance	governance	NOUN
amfbr-216	154	10	.	.	PUNCT
amfbr-216	155	1	some	some	PRON
amfbr-216	155	2	of	of	ADP
amfbr-216	155	3	them	they	PRON
amfbr-216	155	4	were	be	AUX
amfbr-216	155	5	yet	yet	ADV
amfbr-216	155	6	to	to	PART
amfbr-216	155	7	imbibe	imbibe	VERB
amfbr-216	155	8	the	the	DET
amfbr-216	155	9	tenets	tenet	NOUN
amfbr-216	155	10	of	of	ADP
amfbr-216	155	11	the	the	DET
amfbr-216	155	12	code	code	NOUN
amfbr-216	155	13	of	of	ADP
amfbr-216	155	14	corporate	corporate	ADJ
amfbr-216	155	15	governance	governance	NOUN
amfbr-216	155	16	issued	issue	VERB
amfbr-216	155	17	by	by	ADP
amfbr-216	155	18	the	the	DET
amfbr-216	155	19	cbn	cbn	PROPN
amfbr-216	155	20	in	in	ADP
amfbr-216	155	21	2006	2006	NUM
amfbr-216	155	22	.	.	PUNCT
amfbr-216	156	1	example	example	NOUN
amfbr-216	156	2	of	of	ADP
amfbr-216	156	3	some	some	DET
amfbr-216	156	4	critical	critical	ADJ
amfbr-216	156	5	corporate	corporate	ADJ
amfbr-216	156	6	governance	governance	NOUN
amfbr-216	156	7	issues	issue	NOUN
amfbr-216	156	8	includes	include	VERB
amfbr-216	156	9	non	non	ADJ
amfbr-216	156	10	-	-	ADJ
amfbr-216	156	11	performing	performing	ADJ
amfbr-216	156	12	-	-	PUNCT
amfbr-216	156	13	insider	insider	NOUN
amfbr-216	156	14	-	-	PUNCT
amfbr-216	156	15	related	relate	VERB
amfbr-216	156	16	debts	debt	NOUN
amfbr-216	156	17	,	,	PUNCT
amfbr-216	156	18	board	board	NOUN
amfbr-216	156	19	oversight	oversight	NOUN
amfbr-216	156	20	was	be	AUX
amfbr-216	156	21	weak	weak	ADJ
amfbr-216	156	22	in	in	ADP
amfbr-216	156	23	some	some	PRON
amfbr-216	156	24	of	of	ADP
amfbr-216	156	25	the	the	DET
amfbr-216	156	26	banks	bank	NOUN
amfbr-216	156	27	,	,	PUNCT
amfbr-216	156	28	in	in	ADP
amfbr-216	156	29	some	some	DET
amfbr-216	156	30	instances	instance	NOUN
amfbr-216	156	31	,	,	PUNCT
amfbr-216	156	32	the	the	DET
amfbr-216	156	33	boards	board	NOUN
amfbr-216	156	34	had	have	AUX
amfbr-216	156	35	assigned	assign	VERB
amfbr-216	156	36	the	the	DET
amfbr-216	156	37	responsibility	responsibility	NOUN
amfbr-216	156	38	of	of	ADP
amfbr-216	156	39	vetting	vet	VERB
amfbr-216	156	40	big	big	ADJ
amfbr-216	156	41	ticket	ticket	NOUN
amfbr-216	156	42	transactions	transaction	NOUN
amfbr-216	156	43	to	to	ADP
amfbr-216	156	44	their	their	PRON
amfbr-216	156	45	respective	respective	ADJ
amfbr-216	156	46	credit	credit	NOUN
amfbr-216	156	47	committees	committee	NOUN
amfbr-216	156	48	that	that	PRON
amfbr-216	156	49	were	be	AUX
amfbr-216	156	50	often	often	ADV
amfbr-216	156	51	dominated	dominate	VERB
amfbr-216	156	52	by	by	ADP
amfbr-216	156	53	the	the	DET
amfbr-216	156	54	executive	executive	ADJ
amfbr-216	156	55	directors	director	NOUN
amfbr-216	156	56	.	.	PUNCT
amfbr-216	157	1	others	other	NOUN
amfbr-216	157	2	are	be	AUX
amfbr-216	157	3	investing	invest	VERB
amfbr-216	157	4	in	in	ADP
amfbr-216	157	5	subsidiaries	subsidiary	NOUN
amfbr-216	157	6	without	without	ADP
amfbr-216	157	7	cbn	cbn	PROPN
amfbr-216	157	8	approval	approval	NOUN
amfbr-216	157	9	,	,	PUNCT
amfbr-216	157	10	failure	failure	NOUN
amfbr-216	157	11	to	to	PART
amfbr-216	157	12	appoint	appoint	VERB
amfbr-216	157	13	independent	independent	ADJ
amfbr-216	157	14	directors	director	NOUN
amfbr-216	157	15	etc	etc	X
amfbr-216	157	16	.	.	X
amfbr-216	157	17	2.2	2.2	NUM
amfbr-216	157	18	solutions	solution	NOUN
amfbr-216	157	19	to	to	ADP
amfbr-216	157	20	the	the	DET
amfbr-216	157	21	challenges	challenge	NOUN
amfbr-216	157	22	of	of	ADP
amfbr-216	157	23	the	the	DET
amfbr-216	157	24	nigerian	nigerian	ADJ
amfbr-216	157	25	banking	banking	NOUN
amfbr-216	157	26	sector	sector	NOUN
amfbr-216	157	27	2.2.1	2.2.1	NUM
amfbr-216	157	28	improvement	improvement	NOUN
amfbr-216	157	29	in	in	ADP
amfbr-216	157	30	financial	financial	ADJ
amfbr-216	157	31	and	and	CCONJ
amfbr-216	157	32	regulatory	regulatory	ADJ
amfbr-216	157	33	reporting	reporting	NOUN
amfbr-216	157	34	proponents	proponent	NOUN
amfbr-216	157	35	of	of	ADP
amfbr-216	157	36	banking	banking	NOUN
amfbr-216	157	37	globalization	globalization	NOUN
amfbr-216	157	38	refer	refer	VERB
amfbr-216	157	39	to	to	ADP
amfbr-216	157	40	the	the	DET
amfbr-216	157	41	multitude	multitude	NOUN
amfbr-216	157	42	of	of	ADP
amfbr-216	157	43	banking	banking	NOUN
amfbr-216	157	44	crisis	crisis	NOUN
amfbr-216	157	45	during	during	ADP
amfbr-216	157	46	the	the	DET
amfbr-216	157	47	last	last	ADJ
amfbr-216	157	48	two	two	NUM
amfbr-216	157	49	decades	decade	NOUN
amfbr-216	157	50	and	and	CCONJ
amfbr-216	157	51	point	point	VERB
amfbr-216	157	52	to	to	ADP
amfbr-216	157	53	the	the	DET
amfbr-216	157	54	weaknesses	weakness	NOUN
amfbr-216	157	55	of	of	ADP
amfbr-216	157	56	the	the	DET
amfbr-216	157	57	regulatory	regulatory	ADJ
amfbr-216	157	58	and	and	CCONJ
amfbr-216	157	59	supervisory	supervisory	ADJ
amfbr-216	157	60	environment	environment	NOUN
amfbr-216	157	61	in	in	ADP
amfbr-216	157	62	many	many	ADJ
amfbr-216	157	63	emerging	emerge	VERB
amfbr-216	157	64	markets	market	NOUN
amfbr-216	157	65	.	.	PUNCT
amfbr-216	158	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-216	158	2	american	american	PROPN
amfbr-216	158	3	finance	finance	PROPN
amfbr-216	158	4	&	&	CCONJ
amfbr-216	158	5	banking	banking	PROPN
amfbr-216	158	6	review	review	PROPN
amfbr-216	158	7	vol	vol	NOUN
amfbr-216	158	8	.	.	PROPN
amfbr-216	159	1	3	3	NUM
amfbr-216	159	2	,	,	PUNCT
amfbr-216	159	3	no	no	INTJ
amfbr-216	159	4	.	.	NOUN
amfbr-216	159	5	1	1	NUM
amfbr-216	159	6	;	;	PUNCT
amfbr-216	159	7	2018	2018	NUM
amfbr-216	159	8	31	31	NUM
amfbr-216	159	9	2.2.2	2.2.2	NUM
amfbr-216	159	10	immediate	immediate	ADJ
amfbr-216	159	11	stoppage	stoppage	NOUN
amfbr-216	159	12	of	of	ADP
amfbr-216	159	13	capital	capital	NOUN
amfbr-216	159	14	flight	flight	NOUN
amfbr-216	159	15	to	to	ADP
amfbr-216	159	16	foreing	foree	VERB
amfbr-216	159	17	banks	bank	NOUN
amfbr-216	159	18	the	the	DET
amfbr-216	159	19	fact	fact	NOUN
amfbr-216	159	20	that	that	SCONJ
amfbr-216	159	21	international	international	ADJ
amfbr-216	159	22	banks	bank	NOUN
amfbr-216	159	23	are	be	AUX
amfbr-216	159	24	perceived	perceive	VERB
amfbr-216	159	25	to	to	PART
amfbr-216	159	26	be	be	AUX
amfbr-216	159	27	sounder	sounder	ADJ
amfbr-216	159	28	than	than	ADP
amfbr-216	159	29	local	local	ADJ
amfbr-216	159	30	banks	bank	NOUN
amfbr-216	159	31	in	in	ADP
amfbr-216	159	32	times	time	NOUN
amfbr-216	159	33	of	of	ADP
amfbr-216	159	34	crisis	crisis	NOUN
amfbr-216	159	35	has	have	AUX
amfbr-216	159	36	led	lead	VERB
amfbr-216	159	37	some	some	PRON
amfbr-216	159	38	to	to	PART
amfbr-216	159	39	argue	argue	VERB
amfbr-216	159	40	that	that	SCONJ
amfbr-216	159	41	foreign	foreign	ADJ
amfbr-216	159	42	bank	bank	NOUN
amfbr-216	159	43	presence	presence	NOUN
amfbr-216	159	44	opens	open	VERB
amfbr-216	159	45	the	the	DET
amfbr-216	159	46	possibility	possibility	NOUN
amfbr-216	159	47	of	of	ADP
amfbr-216	159	48	a	a	DET
amfbr-216	159	49	capital	capital	NOUN
amfbr-216	159	50	flight	flight	NOUN
amfbr-216	159	51	at	at	ADP
amfbr-216	159	52	home	home	NOUN
amfbr-216	159	53	.	.	PUNCT
amfbr-216	160	1	before	before	ADP
amfbr-216	160	2	the	the	DET
amfbr-216	160	3	appearance	appearance	NOUN
amfbr-216	160	4	of	of	ADP
amfbr-216	160	5	foreign	foreign	ADJ
amfbr-216	160	6	banks	bank	NOUN
amfbr-216	160	7	,	,	PUNCT
amfbr-216	160	8	investing	invest	VERB
amfbr-216	160	9	abroad	abroad	ADV
amfbr-216	160	10	was	be	AUX
amfbr-216	160	11	the	the	DET
amfbr-216	160	12	only	only	ADJ
amfbr-216	160	13	safe	safe	ADJ
amfbr-216	160	14	haven	haven	NOUN
amfbr-216	160	15	for	for	ADP
amfbr-216	160	16	domestic	domestic	ADJ
amfbr-216	160	17	depositors	depositor	NOUN
amfbr-216	160	18	,	,	PUNCT
amfbr-216	160	19	given	give	VERB
amfbr-216	160	20	the	the	DET
amfbr-216	160	21	lack	lack	NOUN
amfbr-216	160	22	of	of	ADP
amfbr-216	160	23	credible	credible	ADJ
amfbr-216	160	24	deposit	deposit	NOUN
amfbr-216	160	25	insurance	insurance	NOUN
amfbr-216	160	26	.	.	PUNCT
amfbr-216	161	1	now	now	ADV
amfbr-216	161	2	,	,	PUNCT
amfbr-216	161	3	under	under	ADP
amfbr-216	161	4	the	the	DET
amfbr-216	161	5	assumption	assumption	NOUN
amfbr-216	161	6	that	that	SCONJ
amfbr-216	161	7	foreign	foreign	ADJ
amfbr-216	161	8	banks	bank	NOUN
amfbr-216	161	9	are	be	AUX
amfbr-216	161	10	strong	strong	ADJ
amfbr-216	161	11	enough	enough	ADV
amfbr-216	161	12	to	to	PART
amfbr-216	161	13	withstand	withstand	VERB
amfbr-216	161	14	a	a	DET
amfbr-216	161	15	crisis	crisis	NOUN
amfbr-216	161	16	,	,	PUNCT
amfbr-216	161	17	all	all	DET
amfbr-216	161	18	depositors	depositor	NOUN
amfbr-216	161	19	need	need	VERB
amfbr-216	161	20	to	to	PART
amfbr-216	161	21	do	do	VERB
amfbr-216	161	22	is	be	AUX
amfbr-216	161	23	transfer	transfer	VERB
amfbr-216	161	24	their	their	PRON
amfbr-216	161	25	savings	saving	NOUN
amfbr-216	161	26	from	from	ADP
amfbr-216	161	27	local	local	ADJ
amfbr-216	161	28	to	to	ADP
amfbr-216	161	29	foreign	foreign	ADJ
amfbr-216	161	30	banks	bank	NOUN
amfbr-216	161	31	.	.	PUNCT
amfbr-216	162	1	2.2.3	2.2.3	NUM
amfbr-216	162	2	globalization	globalization	NOUN
amfbr-216	162	3	of	of	ADP
amfbr-216	162	4	the	the	DET
amfbr-216	162	5	nigerian	nigerian	ADJ
amfbr-216	162	6	capital	capital	NOUN
amfbr-216	162	7	market	market	NOUN
amfbr-216	162	8	there	there	PRON
amfbr-216	162	9	is	be	VERB
amfbr-216	162	10	need	need	NOUN
amfbr-216	162	11	to	to	PART
amfbr-216	162	12	open	open	VERB
amfbr-216	162	13	up	up	ADP
amfbr-216	162	14	the	the	DET
amfbr-216	162	15	nigerian	nigerian	ADJ
amfbr-216	162	16	capital	capital	NOUN
amfbr-216	162	17	market	market	NOUN
amfbr-216	162	18	for	for	ADP
amfbr-216	162	19	foreign	foreign	ADJ
amfbr-216	162	20	investors	investor	NOUN
amfbr-216	162	21	and	and	CCONJ
amfbr-216	162	22	foreingn	foreingn	NOUN
amfbr-216	162	23	companies	company	NOUN
amfbr-216	162	24	to	to	PART
amfbr-216	162	25	list	list	VERB
amfbr-216	162	26	their	their	PRON
amfbr-216	162	27	shares	share	NOUN
amfbr-216	162	28	.	.	PUNCT
amfbr-216	163	1	by	by	ADP
amfbr-216	163	2	such	such	ADJ
amfbr-216	163	3	doing	do	VERB
amfbr-216	163	4	it	it	PRON
amfbr-216	163	5	will	will	AUX
amfbr-216	163	6	give	give	VERB
amfbr-216	163	7	way	way	NOUN
amfbr-216	163	8	for	for	SCONJ
amfbr-216	163	9	foreign	foreign	ADJ
amfbr-216	163	10	investors	investor	NOUN
amfbr-216	163	11	to	to	PART
amfbr-216	163	12	have	have	VERB
amfbr-216	163	13	interest	interest	NOUN
amfbr-216	163	14	in	in	ADP
amfbr-216	163	15	buying	buy	VERB
amfbr-216	163	16	the	the	DET
amfbr-216	163	17	shares	share	NOUN
amfbr-216	163	18	of	of	ADP
amfbr-216	163	19	nigerian	nigerian	ADJ
amfbr-216	163	20	banks	bank	NOUN
amfbr-216	163	21	and	and	CCONJ
amfbr-216	163	22	consequently	consequently	ADV
amfbr-216	163	23	generates	generate	VERB
amfbr-216	163	24	capital	capital	NOUN
amfbr-216	163	25	flow	flow	NOUN
amfbr-216	163	26	in	in	ADP
amfbr-216	163	27	to	to	ADP
amfbr-216	163	28	the	the	DET
amfbr-216	163	29	banks	bank	NOUN
amfbr-216	163	30	and	and	CCONJ
amfbr-216	163	31	makes	make	VERB
amfbr-216	163	32	the	the	DET
amfbr-216	163	33	bank	bank	NOUN
amfbr-216	163	34	to	to	PART
amfbr-216	163	35	get	get	VERB
amfbr-216	163	36	more	more	ADV
amfbr-216	163	37	stronger	strong	ADJ
amfbr-216	163	38	.	.	PUNCT
amfbr-216	164	1	2.2.4	2.2.4	NUM
amfbr-216	164	2	acquisition	acquisition	NOUN
amfbr-216	164	3	and	and	CCONJ
amfbr-216	164	4	deployment	deployment	NOUN
amfbr-216	164	5	of	of	ADP
amfbr-216	164	6	latest	late	ADJ
amfbr-216	164	7	technological	technological	ADJ
amfbr-216	164	8	innovation	innovation	NOUN
amfbr-216	164	9	on	on	ADP
amfbr-216	164	10	banking	banking	NOUN
amfbr-216	164	11	business	business	NOUN
amfbr-216	164	12	nigerian	nigerian	ADJ
amfbr-216	164	13	banks	bank	NOUN
amfbr-216	164	14	need	need	VERB
amfbr-216	164	15	to	to	PART
amfbr-216	164	16	embrace	embrace	VERB
amfbr-216	164	17	information	information	NOUN
amfbr-216	164	18	technology	technology	NOUN
amfbr-216	164	19	.	.	PUNCT
amfbr-216	165	1	this	this	PRON
amfbr-216	165	2	is	be	AUX
amfbr-216	165	3	one	one	NUM
amfbr-216	165	4	of	of	ADP
amfbr-216	165	5	the	the	DET
amfbr-216	165	6	preconditions	precondition	NOUN
amfbr-216	165	7	for	for	ADP
amfbr-216	165	8	a	a	DET
amfbr-216	165	9	nation	nation	NOUN
amfbr-216	165	10	to	to	PART
amfbr-216	165	11	be	be	AUX
amfbr-216	165	12	integrated	integrate	VERB
amfbr-216	165	13	into	into	ADP
amfbr-216	165	14	the	the	DET
amfbr-216	165	15	global	global	ADJ
amfbr-216	165	16	financial	financial	ADJ
amfbr-216	165	17	market	market	NOUN
amfbr-216	165	18	and	and	CCONJ
amfbr-216	165	19	reap	reap	VERB
amfbr-216	165	20	the	the	DET
amfbr-216	165	21	benefit	benefit	NOUN
amfbr-216	165	22	therefore	therefore	ADV
amfbr-216	165	23	,	,	PUNCT
amfbr-216	165	24	banks	bank	NOUN
amfbr-216	165	25	must	must	AUX
amfbr-216	165	26	train	train	VERB
amfbr-216	165	27	their	their	PRON
amfbr-216	165	28	staff	staff	NOUN
amfbr-216	165	29	in	in	ADP
amfbr-216	165	30	e	e	NOUN
amfbr-216	165	31	-	-	NOUN
amfbr-216	165	32	banking	banking	NOUN
amfbr-216	165	33	which	which	PRON
amfbr-216	165	34	has	have	VERB
amfbr-216	165	35	the	the	DET
amfbr-216	165	36	advantage	advantage	NOUN
amfbr-216	165	37	of	of	ADP
amfbr-216	165	38	reducing	reduce	VERB
amfbr-216	165	39	cost	cost	NOUN
amfbr-216	165	40	of	of	ADP
amfbr-216	165	41	transactions	transaction	NOUN
amfbr-216	165	42	and	and	CCONJ
amfbr-216	165	43	increasing	increase	VERB
amfbr-216	165	44	the	the	DET
amfbr-216	165	45	speed	speed	NOUN
amfbr-216	165	46	of	of	ADP
amfbr-216	165	47	transaction	transaction	NOUN
amfbr-216	165	48	and	and	CCONJ
amfbr-216	165	49	profitability	profitability	NOUN
amfbr-216	165	50	.	.	PUNCT
amfbr-216	166	1	there	there	PRON
amfbr-216	166	2	is	be	VERB
amfbr-216	166	3	need	need	NOUN
amfbr-216	166	4	for	for	ADP
amfbr-216	166	5	strengthening	strengthen	VERB
amfbr-216	166	6	the	the	DET
amfbr-216	166	7	regulatory	regulatory	ADJ
amfbr-216	166	8	and	and	CCONJ
amfbr-216	166	9	supervisory	supervisory	ADJ
amfbr-216	166	10	institutions	institution	NOUN
amfbr-216	166	11	and	and	CCONJ
amfbr-216	166	12	strict	strict	ADJ
amfbr-216	166	13	implementation	implementation	NOUN
amfbr-216	166	14	of	of	ADP
amfbr-216	166	15	money	money	NOUN
amfbr-216	166	16	laundering	launder	VERB
amfbr-216	166	17	laws	law	NOUN
amfbr-216	166	18	and	and	CCONJ
amfbr-216	166	19	other	other	ADJ
amfbr-216	166	20	legislation	legislation	NOUN
amfbr-216	166	21	laws	law	NOUN
amfbr-216	166	22	to	to	PART
amfbr-216	166	23	effectively	effectively	ADV
amfbr-216	166	24	tackle	tackle	VERB
amfbr-216	166	25	fraud	fraud	NOUN
amfbr-216	166	26	and	and	CCONJ
amfbr-216	166	27	fraudulent	fraudulent	ADJ
amfbr-216	166	28	activities	activity	NOUN
amfbr-216	166	29	:	:	PUNCT
amfbr-216	166	30	upward	upward	ADJ
amfbr-216	166	31	review	review	NOUN
amfbr-216	166	32	of	of	ADP
amfbr-216	166	33	capital	capital	NOUN
amfbr-216	166	34	market	market	NOUN
amfbr-216	166	35	deregulation	deregulation	NOUN
amfbr-216	166	36	and	and	CCONJ
amfbr-216	166	37	introduction	introduction	NOUN
amfbr-216	166	38	of	of	ADP
amfbr-216	166	39	indirect	indirect	ADJ
amfbr-216	166	40	monetary	monetary	ADJ
amfbr-216	166	41	policy	policy	NOUN
amfbr-216	166	42	instruments	instrument	NOUN
amfbr-216	166	43	.	.	PUNCT
amfbr-216	167	1	the	the	DET
amfbr-216	167	2	regulatory	regulatory	ADJ
amfbr-216	167	3	bodies	body	NOUN
amfbr-216	167	4	in	in	ADP
amfbr-216	167	5	the	the	DET
amfbr-216	167	6	financial	financial	ADJ
amfbr-216	167	7	markets	market	NOUN
amfbr-216	167	8	such	such	ADJ
amfbr-216	167	9	as	as	ADP
amfbr-216	167	10	the	the	DET
amfbr-216	167	11	central	central	ADJ
amfbr-216	167	12	bank	bank	PROPN
amfbr-216	167	13	of	of	ADP
amfbr-216	167	14	nigeria	nigeria	PROPN
amfbr-216	167	15	(	(	PUNCT
amfbr-216	167	16	cbn	cbn	PROPN
amfbr-216	167	17	)	)	PUNCT
amfbr-216	167	18	and	and	CCONJ
amfbr-216	167	19	securities	security	NOUN
amfbr-216	167	20	and	and	CCONJ
amfbr-216	167	21	exchange	exchange	PROPN
amfbr-216	167	22	commission	commission	PROPN
amfbr-216	167	23	(	(	PUNCT
amfbr-216	167	24	sec	sec	PROPN
amfbr-216	167	25	)	)	PUNCT
amfbr-216	167	26	should	should	AUX
amfbr-216	167	27	be	be	AUX
amfbr-216	167	28	granted	grant	VERB
amfbr-216	167	29	complete	complete	ADJ
amfbr-216	167	30	autonomy	autonomy	NOUN
amfbr-216	167	31	.	.	PUNCT
amfbr-216	168	1	this	this	PRON
amfbr-216	168	2	will	will	AUX
amfbr-216	168	3	enable	enable	VERB
amfbr-216	168	4	them	they	PRON
amfbr-216	168	5	fight	fight	VERB
amfbr-216	168	6	the	the	DET
amfbr-216	168	7	malpractices	malpractice	NOUN
amfbr-216	168	8	in	in	ADP
amfbr-216	168	9	the	the	DET
amfbr-216	168	10	system	system	NOUN
amfbr-216	168	11	and	and	CCONJ
amfbr-216	168	12	also	also	ADV
amfbr-216	168	13	formulate	formulate	VERB
amfbr-216	168	14	viable	viable	ADJ
amfbr-216	168	15	monetary	monetary	ADJ
amfbr-216	168	16	policies	policy	NOUN
amfbr-216	168	17	that	that	PRON
amfbr-216	168	18	will	will	AUX
amfbr-216	168	19	insulate	insulate	VERB
amfbr-216	168	20	the	the	DET
amfbr-216	168	21	financial	financial	ADJ
amfbr-216	168	22	markets	market	NOUN
amfbr-216	168	23	and	and	CCONJ
amfbr-216	168	24	the	the	DET
amfbr-216	168	25	economy	economy	NOUN
amfbr-216	168	26	at	at	ADP
amfbr-216	168	27	large	large	ADJ
amfbr-216	168	28	against	against	ADP
amfbr-216	168	29	domestic	domestic	ADJ
amfbr-216	168	30	and	and	CCONJ
amfbr-216	168	31	external	external	ADJ
amfbr-216	168	32	macroeconomic	macroeconomic	ADJ
amfbr-216	168	33	shocks	shock	NOUN
amfbr-216	168	34	.	.	PUNCT
amfbr-216	169	1	recent	recent	ADJ
amfbr-216	169	2	developments	development	NOUN
amfbr-216	169	3	in	in	ADP
amfbr-216	169	4	the	the	DET
amfbr-216	169	5	banking	banking	NOUN
amfbr-216	169	6	sector	sector	NOUN
amfbr-216	169	7	,	,	PUNCT
amfbr-216	169	8	including	include	VERB
amfbr-216	169	9	increased	increase	VERB
amfbr-216	169	10	signs	sign	NOUN
amfbr-216	169	11	and	and	CCONJ
amfbr-216	169	12	incidence	incidence	NOUN
amfbr-216	169	13	of	of	ADP
amfbr-216	169	14	distress	distress	NOUN
amfbr-216	169	15	,	,	PUNCT
amfbr-216	169	16	are	be	AUX
amfbr-216	169	17	a	a	DET
amfbr-216	169	18	cause	cause	NOUN
amfbr-216	169	19	for	for	ADP
amfbr-216	169	20	serious	serious	ADJ
amfbr-216	169	21	concern	concern	NOUN
amfbr-216	169	22	and	and	CCONJ
amfbr-216	169	23	call	call	VERB
amfbr-216	169	24	for	for	ADP
amfbr-216	169	25	decisive	decisive	ADJ
amfbr-216	169	26	and	and	CCONJ
amfbr-216	169	27	expeditious	expeditious	ADJ
amfbr-216	169	28	actions	action	NOUN
amfbr-216	169	29	to	to	PART
amfbr-216	169	30	safeguard	safeguard	VERB
amfbr-216	169	31	the	the	DET
amfbr-216	169	32	stability	stability	NOUN
amfbr-216	169	33	and	and	CCONJ
amfbr-216	169	34	soundness	soundness	NOUN
amfbr-216	169	35	of	of	ADP
amfbr-216	169	36	the	the	DET
amfbr-216	169	37	banking	banking	NOUN
amfbr-216	169	38	system	system	NOUN
amfbr-216	169	39	.	.	PUNCT
amfbr-216	170	1	legal	legal	ADJ
amfbr-216	170	2	and	and	CCONJ
amfbr-216	170	3	regulatory	regulatory	ADJ
amfbr-216	170	4	enforcement	enforcement	NOUN
amfbr-216	170	5	is	be	AUX
amfbr-216	170	6	needed	need	VERB
amfbr-216	170	7	to	to	PART
amfbr-216	170	8	ensure	ensure	VERB
amfbr-216	170	9	action	action	NOUN
amfbr-216	170	10	is	be	AUX
amfbr-216	170	11	taken	take	VERB
amfbr-216	170	12	against	against	ADP
amfbr-216	170	13	those	those	PRON
amfbr-216	170	14	that	that	PRON
amfbr-216	170	15	violate	violate	VERB
amfbr-216	170	16	their	their	PRON
amfbr-216	170	17	prudential	prudential	ADJ
amfbr-216	170	18	and	and	CCONJ
amfbr-216	170	19	financial	financial	ADJ
amfbr-216	170	20	obligations	obligation	NOUN
amfbr-216	170	21	,	,	PUNCT
amfbr-216	170	22	and	and	CCONJ
amfbr-216	170	23	to	to	PART
amfbr-216	170	24	act	act	VERB
amfbr-216	170	25	as	as	ADP
amfbr-216	170	26	a	a	DET
amfbr-216	170	27	credible	credible	ADJ
amfbr-216	170	28	deterrent	deterrent	NOUN
amfbr-216	170	29	for	for	ADP
amfbr-216	170	30	all	all	DET
amfbr-216	170	31	market	market	NOUN
amfbr-216	170	32	participants	participant	NOUN
amfbr-216	170	33	[	[	PUNCT
amfbr-216	170	34	kanayo	kanayo	PROPN
amfbr-216	170	35	&	&	CCONJ
amfbr-216	170	36	micheal	micheal	PROPN
amfbr-216	170	37	,	,	PUNCT
amfbr-216	170	38	2011	2011	NUM
amfbr-216	170	39	]	]	PUNCT
amfbr-216	170	40	there	there	PRON
amfbr-216	170	41	is	be	VERB
amfbr-216	170	42	need	need	NOUN
amfbr-216	170	43	for	for	SCONJ
amfbr-216	170	44	banks	bank	NOUN
amfbr-216	170	45	to	to	PART
amfbr-216	170	46	offer	offer	VERB
amfbr-216	170	47	better	well	ADJ
amfbr-216	170	48	banking	banking	NOUN
amfbr-216	170	49	services	service	NOUN
amfbr-216	170	50	through	through	ADP
amfbr-216	170	51	diversified	diversified	ADJ
amfbr-216	170	52	delivery	delivery	NOUN
amfbr-216	170	53	channels	channel	NOUN
amfbr-216	170	54	to	to	ADP
amfbr-216	170	55	customers	customer	NOUN
amfbr-216	170	56	:	:	PUNCT
amfbr-216	170	57	banks	bank	NOUN
amfbr-216	170	58	should	should	AUX
amfbr-216	170	59	be	be	AUX
amfbr-216	170	60	customers	customer	NOUN
amfbr-216	170	61	focus	focus	VERB
amfbr-216	170	62	.	.	PUNCT
amfbr-216	171	1	there	there	PRON
amfbr-216	171	2	is	be	VERB
amfbr-216	171	3	need	need	NOUN
amfbr-216	171	4	for	for	SCONJ
amfbr-216	171	5	banks	bank	NOUN
amfbr-216	171	6	to	to	PART
amfbr-216	171	7	imbibe	imbibe	VERB
amfbr-216	171	8	the	the	DET
amfbr-216	171	9	culture	culture	NOUN
amfbr-216	171	10	of	of	ADP
amfbr-216	171	11	cost	cost	NOUN
amfbr-216	171	12	control	control	NOUN
amfbr-216	171	13	there	there	PRON
amfbr-216	171	14	is	be	VERB
amfbr-216	171	15	need	need	NOUN
amfbr-216	171	16	for	for	SCONJ
amfbr-216	171	17	banks	bank	NOUN
amfbr-216	171	18	to	to	PART
amfbr-216	171	19	imbibe	imbibe	VERB
amfbr-216	171	20	the	the	DET
amfbr-216	171	21	culture	culture	NOUN
amfbr-216	171	22	of	of	ADP
amfbr-216	171	23	ethics	ethic	NOUN
amfbr-216	171	24	and	and	CCONJ
amfbr-216	171	25	professionalism	professionalism	NOUN
amfbr-216	171	26	strict	strict	ADJ
amfbr-216	171	27	compliance	compliance	NOUN
amfbr-216	171	28	to	to	PART
amfbr-216	171	29	effective	effective	ADJ
amfbr-216	171	30	corporate	corporate	ADJ
amfbr-216	171	31	governance	governance	NOUN
amfbr-216	171	32	prevention	prevention	NOUN
amfbr-216	171	33	of	of	ADP
amfbr-216	171	34	fraud	fraud	NOUN
amfbr-216	171	35	and	and	CCONJ
amfbr-216	171	36	insecurity	insecurity	NOUN
amfbr-216	171	37	in	in	ADP
amfbr-216	171	38	banks	bank	NOUN
amfbr-216	171	39	:	:	PUNCT
amfbr-216	171	40	it	it	PRON
amfbr-216	171	41	is	be	AUX
amfbr-216	171	42	also	also	ADV
amfbr-216	171	43	necessary	necessary	ADJ
amfbr-216	171	44	to	to	PART
amfbr-216	171	45	carry	carry	VERB
amfbr-216	171	46	out	out	ADP
amfbr-216	171	47	audit	audit	NOUN
amfbr-216	171	48	checks	check	NOUN
amfbr-216	171	49	on	on	ADP
amfbr-216	171	50	all	all	DET
amfbr-216	171	51	transactions	transaction	NOUN
amfbr-216	171	52	as	as	ADV
amfbr-216	171	53	soon	soon	ADV
amfbr-216	171	54	as	as	SCONJ
amfbr-216	171	55	they	they	PRON
amfbr-216	171	56	are	be	AUX
amfbr-216	171	57	made	make	VERB
amfbr-216	171	58	because	because	SCONJ
amfbr-216	171	59	delay	delay	NOUN
amfbr-216	171	60	might	might	AUX
amfbr-216	171	61	have	have	VERB
amfbr-216	171	62	dire	dire	ADJ
amfbr-216	171	63	consequences	consequence	NOUN
amfbr-216	171	64	on	on	ADP
amfbr-216	171	65	the	the	DET
amfbr-216	171	66	bank	bank	NOUN
amfbr-216	171	67	.	.	PUNCT
amfbr-216	172	1	similar	similar	ADJ
amfbr-216	172	2	checks	check	NOUN
amfbr-216	172	3	should	should	AUX
amfbr-216	172	4	also	also	ADV
amfbr-216	172	5	be	be	AUX
amfbr-216	172	6	carried	carry	VERB
amfbr-216	172	7	out	out	ADP
amfbr-216	172	8	on	on	ADP
amfbr-216	172	9	vouchers	voucher	NOUN
amfbr-216	172	10	raised	raise	VERB
amfbr-216	172	11	for	for	ADP
amfbr-216	172	12	expenses	expense	NOUN
amfbr-216	172	13	(	(	PUNCT
amfbr-216	172	14	printing	printing	NOUN
amfbr-216	172	15	,	,	PUNCT
amfbr-216	172	16	stationeries	stationery	NOUN
amfbr-216	172	17	,	,	PUNCT
amfbr-216	172	18	stock	stock	NOUN
amfbr-216	172	19	,	,	PUNCT
amfbr-216	172	20	office	office	NOUN
amfbr-216	172	21	equipment	equipment	NOUN
amfbr-216	172	22	etc	etc	X
amfbr-216	172	23	.	.	PUNCT
amfbr-216	172	24	)	)	PUNCT
amfbr-216	173	1	market	market	NOUN
amfbr-216	173	2	surveys	survey	NOUN
amfbr-216	173	3	should	should	AUX
amfbr-216	173	4	be	be	AUX
amfbr-216	173	5	conducted	conduct	VERB
amfbr-216	173	6	before	before	SCONJ
amfbr-216	173	7	approvals	approval	NOUN
amfbr-216	173	8	are	be	AUX
amfbr-216	173	9	given	give	VERB
amfbr-216	173	10	for	for	ADP
amfbr-216	173	11	the	the	DET
amfbr-216	173	12	purchases	purchase	NOUN
amfbr-216	173	13	.	.	PUNCT
amfbr-216	174	1	members	member	NOUN
amfbr-216	174	2	of	of	ADP
amfbr-216	174	3	the	the	DET
amfbr-216	174	4	board	board	NOUN
amfbr-216	174	5	of	of	ADP
amfbr-216	174	6	directors	director	NOUN
amfbr-216	174	7	should	should	AUX
amfbr-216	174	8	not	not	PART
amfbr-216	174	9	just	just	ADV
amfbr-216	174	10	be	be	AUX
amfbr-216	174	11	people	people	NOUN
amfbr-216	174	12	,	,	PUNCT
amfbr-216	174	13	who	who	PRON
amfbr-216	174	14	have	have	VERB
amfbr-216	174	15	stakes	stake	NOUN
amfbr-216	174	16	in	in	ADP
amfbr-216	174	17	the	the	DET
amfbr-216	174	18	banks	bank	NOUN
amfbr-216	174	19	but	but	CCONJ
amfbr-216	174	20	should	should	AUX
amfbr-216	174	21	be	be	AUX
amfbr-216	174	22	knowledgeable	knowledgeable	ADJ
amfbr-216	174	23	in	in	ADP
amfbr-216	174	24	banking	banking	NOUN
amfbr-216	174	25	and	and	CCONJ
amfbr-216	174	26	accounting	accounting	NOUN
amfbr-216	174	27	,	,	PUNCT
amfbr-216	174	28	to	to	PART
amfbr-216	174	29	enable	enable	VERB
amfbr-216	174	30	them	they	PRON
amfbr-216	174	31	carry	carry	VERB
amfbr-216	174	32	out	out	ADP
amfbr-216	174	33	their	their	PRON
amfbr-216	174	34	supervisory	supervisory	ADJ
amfbr-216	174	35	role	role	NOUN
amfbr-216	174	36	effectively	effectively	ADV
amfbr-216	174	37	.	.	PUNCT
amfbr-216	175	1	there	there	PRON
amfbr-216	175	2	should	should	AUX
amfbr-216	175	3	be	be	AUX
amfbr-216	175	4	greater	great	ADJ
amfbr-216	175	5	transparency	transparency	NOUN
amfbr-216	175	6	and	and	CCONJ
amfbr-216	175	7	accountability	accountability	NOUN
amfbr-216	175	8	in	in	ADP
amfbr-216	175	9	banking	banking	NOUN
amfbr-216	175	10	operation	operation	NOUN
amfbr-216	175	11	.	.	PUNCT
amfbr-216	176	1	these	these	DET
amfbr-216	176	2	measures	measure	NOUN
amfbr-216	176	3	,	,	PUNCT
amfbr-216	176	4	we	we	PRON
amfbr-216	176	5	believe	believe	VERB
amfbr-216	176	6	,	,	PUNCT
amfbr-216	176	7	will	will	AUX
amfbr-216	176	8	help	help	VERB
amfbr-216	176	9	to	to	PART
amfbr-216	176	10	reduce	reduce	VERB
amfbr-216	176	11	the	the	DET
amfbr-216	176	12	increasing	increase	VERB
amfbr-216	176	13	rate	rate	NOUN
amfbr-216	176	14	of	of	ADP
amfbr-216	176	15	fraud	fraud	NOUN
amfbr-216	176	16	and	and	CCONJ
amfbr-216	176	17	acts	act	NOUN
amfbr-216	176	18	of	of	ADP
amfbr-216	176	19	insecurity	insecurity	NOUN
amfbr-216	176	20	in	in	ADP
amfbr-216	176	21	nigerian	nigerian	ADJ
amfbr-216	176	22	banking	banking	NOUN
amfbr-216	176	23	sector	sector	NOUN
amfbr-216	176	24	.	.	PUNCT
amfbr-216	177	1	3	3	X
amfbr-216	177	2	.	.	X
amfbr-216	177	3	methodology	methodology	NOUN
amfbr-216	177	4	the	the	DET
amfbr-216	177	5	population	population	NOUN
amfbr-216	177	6	of	of	ADP
amfbr-216	177	7	this	this	DET
amfbr-216	177	8	study	study	NOUN
amfbr-216	177	9	comprises	comprise	NOUN
amfbr-216	177	10	of	of	ADP
amfbr-216	177	11	all	all	DET
amfbr-216	177	12	the	the	DET
amfbr-216	177	13	twenty	twenty	NUM
amfbr-216	177	14	four	four	NUM
amfbr-216	177	15	(	(	PUNCT
amfbr-216	177	16	24	24	NUM
amfbr-216	177	17	)	)	PUNCT
amfbr-216	177	18	commercial	commercial	ADJ
amfbr-216	177	19	banks	bank	NOUN
amfbr-216	177	20	quoted	quote	VERB
amfbr-216	177	21	by	by	ADP
amfbr-216	177	22	the	the	DET
amfbr-216	177	23	nigerian	nigerian	ADJ
amfbr-216	177	24	stock	stock	NOUN
amfbr-216	177	25	exchange	exchange	PROPN
amfbr-216	177	26	(	(	PUNCT
amfbr-216	177	27	nse	nse	NOUN
amfbr-216	177	28	)	)	PUNCT
amfbr-216	177	29	.	.	PUNCT
amfbr-216	178	1	bank	bank	NOUN
amfbr-216	178	2	qualify	qualify	VERB
amfbr-216	178	3	only	only	ADV
amfbr-216	178	4	to	to	PART
amfbr-216	178	5	be	be	AUX
amfbr-216	178	6	one	one	NUM
amfbr-216	178	7	of	of	ADP
amfbr-216	178	8	the	the	DET
amfbr-216	178	9	sample	sample	NOUN
amfbr-216	178	10	of	of	ADP
amfbr-216	178	11	this	this	DET
amfbr-216	178	12	work	work	NOUN
amfbr-216	178	13	if	if	SCONJ
amfbr-216	178	14	it	it	PRON
amfbr-216	178	15	has	have	VERB
amfbr-216	178	16	a	a	DET
amfbr-216	178	17	branch	branch	NOUN
amfbr-216	178	18	in	in	ADP
amfbr-216	178	19	bauchi	bauchi	ADJ
amfbr-216	178	20	state	state	NOUN
amfbr-216	178	21	metropolis	metropolis	NOUN
amfbr-216	178	22	because	because	SCONJ
amfbr-216	178	23	of	of	ADP
amfbr-216	178	24	the	the	DET
amfbr-216	178	25	limited	limited	ADJ
amfbr-216	178	26	time	time	NOUN
amfbr-216	178	27	for	for	ADP
amfbr-216	178	28	the	the	DET
amfbr-216	178	29	research	research	NOUN
amfbr-216	178	30	work	work	NOUN
amfbr-216	178	31	and	and	CCONJ
amfbr-216	178	32	the	the	DET
amfbr-216	178	33	paucity	paucity	NOUN
amfbr-216	178	34	of	of	ADP
amfbr-216	178	35	resources	resource	NOUN
amfbr-216	178	36	to	to	PART
amfbr-216	178	37	be	be	AUX
amfbr-216	178	38	employed	employ	VERB
amfbr-216	178	39	to	to	PART
amfbr-216	178	40	conduct	conduct	VERB
amfbr-216	178	41	this	this	DET
amfbr-216	178	42	study	study	NOUN
amfbr-216	178	43	.	.	PUNCT
amfbr-216	179	1	the	the	DET
amfbr-216	179	2	application	application	NOUN
amfbr-216	179	3	of	of	ADP
amfbr-216	179	4	these	these	DET
amfbr-216	179	5	conditions	condition	NOUN
amfbr-216	179	6	results	result	NOUN
amfbr-216	179	7	in	in	ADP
amfbr-216	179	8	the	the	DET
amfbr-216	179	9	emergence	emergence	NOUN
amfbr-216	179	10	of	of	ADP
amfbr-216	179	11	fifteen	fifteen	NUM
amfbr-216	179	12	(	(	PUNCT
amfbr-216	179	13	15	15	NUM
amfbr-216	179	14	)	)	PUNCT
amfbr-216	179	15	banks	bank	NOUN
amfbr-216	179	16	as	as	ADP
amfbr-216	179	17	the	the	DET
amfbr-216	179	18	sample	sample	NOUN
amfbr-216	179	19	of	of	ADP
amfbr-216	179	20	the	the	DET
amfbr-216	179	21	study	study	NOUN
amfbr-216	179	22	,	,	PUNCT
amfbr-216	179	23	which	which	PRON
amfbr-216	179	24	include	include	VERB
amfbr-216	179	25	:	:	PUNCT
amfbr-216	179	26	first	first	ADJ
amfbr-216	179	27	bank	bank	NOUN
amfbr-216	179	28	of	of	ADP
amfbr-216	179	29	nig	nig	PROPN
amfbr-216	179	30	plc	plc	PROPN
amfbr-216	179	31	,	,	PUNCT
amfbr-216	179	32	polirisbank	polirisbank	PROPN
amfbr-216	179	33	plc	plc	PROPN
amfbr-216	179	34	,	,	PUNCT
amfbr-216	179	35	keystone	keystone	PROPN
amfbr-216	179	36	bank	bank	PROPN
amfbr-216	179	37	plc	plc	PROPN
amfbr-216	179	38	,	,	PUNCT
amfbr-216	179	39	guarantee	guarantee	VERB
amfbr-216	179	40	trust	trust	PROPN
amfbr-216	179	41	bank	bank	PROPN
amfbr-216	179	42	plc	plc	PROPN
amfbr-216	179	43	,	,	PUNCT
amfbr-216	179	44	diamond	diamond	PROPN
amfbr-216	179	45	bank	bank	PROPN
amfbr-216	179	46	plc	plc	PROPN
amfbr-216	179	47	,	,	PUNCT
amfbr-216	179	48	sterling	sterling	PROPN
amfbr-216	179	49	bank	bank	PROPN
amfbr-216	179	50	plc	plc	PROPN
amfbr-216	179	51	,	,	PUNCT
amfbr-216	179	52	access	access	PROPN
amfbr-216	179	53	bank	bank	PROPN
amfbr-216	179	54	plc	plc	PROPN
amfbr-216	179	55	,	,	PUNCT
amfbr-216	179	56	united	united	PROPN
amfbr-216	179	57	bank	bank	PROPN
amfbr-216	179	58	of	of	ADP
amfbr-216	179	59	africa	africa	PROPN
amfbr-216	179	60	plc	plc	PROPN
amfbr-216	179	61	,	,	PUNCT
amfbr-216	179	62	stanbic	stanbic	PROPN
amfbr-216	179	63	ibtc	ibtc	PROPN
amfbr-216	179	64	bank	bank	PROPN
amfbr-216	179	65	plc	plc	PROPN
amfbr-216	179	66	,	,	PUNCT
amfbr-216	179	67	heritage	heritage	PROPN
amfbr-216	179	68	bank	bank	PROPN
amfbr-216	179	69	plc	plc	PROPN
amfbr-216	179	70	,	,	PUNCT
amfbr-216	179	71	union	union	PROPN
amfbr-216	179	72	bank	bank	PROPN
amfbr-216	179	73	plc	plc	PROPN
amfbr-216	179	74	,	,	PUNCT
amfbr-216	179	75	unity	unity	PROPN
amfbr-216	179	76	bank	bank	PROPN
amfbr-216	179	77	plc	plc	PROPN
amfbr-216	179	78	,	,	PUNCT
amfbr-216	179	79	zenith	zenith	PROPN
amfbr-216	179	80	bank	bank	PROPN
amfbr-216	179	81	plc	plc	PROPN
amfbr-216	179	82	and	and	CCONJ
amfbr-216	179	83	wema	wema	PROPN
amfbr-216	179	84	bank	bank	PROPN
amfbr-216	179	85	plc	plc	PROPN
amfbr-216	179	86	.	.	PUNCT
amfbr-216	180	1	the	the	DET
amfbr-216	180	2	study	study	NOUN
amfbr-216	180	3	employed	employ	VERB
amfbr-216	180	4	the	the	DET
amfbr-216	180	5	use	use	NOUN
amfbr-216	180	6	of	of	ADP
amfbr-216	180	7	questionnaires	questionnaire	NOUN
amfbr-216	180	8	of	of	ADP
amfbr-216	180	9	each	each	PRON
amfbr-216	180	10	of	of	ADP
amfbr-216	180	11	the	the	DET
amfbr-216	180	12	business	business	NOUN
amfbr-216	180	13	development	development	NOUN
amfbr-216	180	14	officers	officer	NOUN
amfbr-216	180	15	[	[	X
amfbr-216	180	16	bdm	bdm	NOUN
amfbr-216	180	17	]	]	PUNCT
amfbr-216	180	18	of	of	ADP
amfbr-216	180	19	the	the	DET
amfbr-216	180	20	each	each	DET
amfbr-216	180	21	main	main	ADJ
amfbr-216	180	22	branch	branch	NOUN
amfbr-216	180	23	of	of	ADP
amfbr-216	180	24	the	the	DET
amfbr-216	180	25	banks	bank	NOUN
amfbr-216	180	26	and	and	CCONJ
amfbr-216	180	27	two	two	NUM
amfbr-216	180	28	other	other	ADJ
amfbr-216	180	29	operation	operation	NOUN
amfbr-216	180	30	staff	staff	NOUN
amfbr-216	180	31	of	of	ADP
amfbr-216	180	32	the	the	DET
amfbr-216	180	33	banks	bank	NOUN
amfbr-216	180	34	were	be	AUX
amfbr-216	180	35	engage	engage	VERB
amfbr-216	180	36	to	to	PART
amfbr-216	180	37	fill	fill	VERB
amfbr-216	180	38	the	the	DET
amfbr-216	180	39	questionnaires	questionnaire	NOUN
amfbr-216	180	40	which	which	PRON
amfbr-216	180	41	includes	include	VERB
amfbr-216	180	42	bdm	bdm	NOUN
amfbr-216	180	43	on	on	ADP
amfbr-216	180	44	the	the	DET
amfbr-216	180	45	challenges	challenge	NOUN
amfbr-216	180	46	facing	face	VERB
amfbr-216	180	47	the	the	DET
amfbr-216	180	48	bank	bank	NOUN
amfbr-216	180	49	.	.	PUNCT
amfbr-216	181	1	the	the	DET
amfbr-216	181	2	data	datum	NOUN
amfbr-216	181	3	were	be	AUX
amfbr-216	181	4	analyzed	analyze	VERB
amfbr-216	181	5	using	use	VERB
amfbr-216	181	6	the	the	DET
amfbr-216	181	7	chi	chi	NOUN
amfbr-216	181	8	-	-	PUNCT
amfbr-216	181	9	square	square	NOUN
amfbr-216	181	10	[	[	X
amfbr-216	181	11	x2	x2	X
amfbr-216	181	12	]	]	X
amfbr-216	181	13	method	method	NOUN
amfbr-216	181	14	of	of	ADP
amfbr-216	181	15	analysis	analysis	NOUN
amfbr-216	181	16	and	and	CCONJ
amfbr-216	181	17	the	the	DET
amfbr-216	181	18	result	result	NOUN
amfbr-216	181	19	was	be	AUX
amfbr-216	181	20	presented	present	VERB
amfbr-216	181	21	with	with	ADP
amfbr-216	181	22	the	the	DET
amfbr-216	181	23	explanation	explanation	NOUN
amfbr-216	181	24	of	of	ADP
amfbr-216	181	25	the	the	DET
amfbr-216	181	26	analysis	analysis	NOUN
amfbr-216	181	27	.	.	PUNCT
amfbr-216	182	1	3.1	3.1	NUM
amfbr-216	182	2	research	research	NOUN
amfbr-216	182	3	instrument	instrument	NOUN
amfbr-216	182	4	in	in	ADP
amfbr-216	182	5	order	order	NOUN
amfbr-216	182	6	to	to	PART
amfbr-216	182	7	have	have	AUX
amfbr-216	182	8	a	a	DET
amfbr-216	182	9	comprehensive	comprehensive	ADJ
amfbr-216	182	10	and	and	CCONJ
amfbr-216	182	11	reliable	reliable	ADJ
amfbr-216	182	12	source	source	NOUN
amfbr-216	182	13	of	of	ADP
amfbr-216	182	14	information	information	NOUN
amfbr-216	182	15	,	,	PUNCT
amfbr-216	182	16	strictly	strictly	ADV
amfbr-216	182	17	structured	structured	ADJ
amfbr-216	182	18	questionnaires	questionnaire	NOUN
amfbr-216	182	19	were	be	AUX
amfbr-216	182	20	administered	administer	VERB
amfbr-216	182	21	to	to	ADP
amfbr-216	182	22	respondents	respondent	NOUN
amfbr-216	182	23	in	in	ADP
amfbr-216	182	24	the	the	DET
amfbr-216	182	25	selected	select	VERB
amfbr-216	182	26	banks	bank	NOUN
amfbr-216	182	27	to	to	PART
amfbr-216	182	28	obtain	obtain	VERB
amfbr-216	182	29	information	information	NOUN
amfbr-216	182	30	on	on	ADP
amfbr-216	182	31	the	the	DET
amfbr-216	182	32	challenges	challenge	NOUN
amfbr-216	182	33	facing	face	VERB
amfbr-216	182	34	nigerian	nigerian	ADJ
amfbr-216	182	35	banks	bank	NOUN
amfbr-216	182	36	.	.	PUNCT
amfbr-216	183	1	the	the	DET
amfbr-216	183	2	questionnaires	questionnaire	NOUN
amfbr-216	183	3	is	be	AUX
amfbr-216	183	4	divided	divide	VERB
amfbr-216	183	5	into	into	ADP
amfbr-216	183	6	two	two	NUM
amfbr-216	183	7	parts	part	NOUN
amfbr-216	183	8	,	,	PUNCT
amfbr-216	183	9	section	section	NOUN
amfbr-216	183	10	a	a	PRON
amfbr-216	183	11	is	be	AUX
amfbr-216	183	12	related	relate	VERB
amfbr-216	183	13	to	to	ADP
amfbr-216	183	14	demographic	demographic	ADJ
amfbr-216	183	15	information	information	NOUN
amfbr-216	183	16	and	and	CCONJ
amfbr-216	183	17	section	section	NOUN
amfbr-216	183	18	b	b	PROPN
amfbr-216	183	19	consist	consist	NOUN
amfbr-216	183	20	of	of	ADP
amfbr-216	183	21	questions	question	NOUN
amfbr-216	183	22	(	(	PUNCT
amfbr-216	183	23	yes	yes	INTJ
amfbr-216	183	24	or	or	CCONJ
amfbr-216	183	25	no	no	DET
amfbr-216	183	26	questions	question	NOUN
amfbr-216	183	27	)	)	PUNCT
amfbr-216	183	28	relating	relate	VERB
amfbr-216	183	29	to	to	ADP
amfbr-216	183	30	the	the	DET
amfbr-216	183	31	subject	subject	NOUN
amfbr-216	183	32	of	of	ADP
amfbr-216	183	33	the	the	DET
amfbr-216	183	34	study	study	NOUN
amfbr-216	183	35	.	.	PUNCT
amfbr-216	184	1	chi	chi	ADJ
amfbr-216	184	2	-	-	PUNCT
amfbr-216	184	3	square	square	PROPN
amfbr-216	184	4	was	be	AUX
amfbr-216	184	5	used	use	VERB
amfbr-216	184	6	to	to	ADP
amfbr-216	184	7	analyzed	analyze	VERB
amfbr-216	184	8	data	datum	NOUN
amfbr-216	184	9	and	and	CCONJ
amfbr-216	184	10	this	this	PRON
amfbr-216	184	11	include	include	VERB
amfbr-216	184	12	simple	simple	ADJ
amfbr-216	184	13	percentages	percentage	NOUN
amfbr-216	184	14	,	,	PUNCT
amfbr-216	184	15	the	the	DET
amfbr-216	184	16	use	use	NOUN
amfbr-216	184	17	of	of	ADP
amfbr-216	184	18	percentages	percentage	NOUN
amfbr-216	184	19	was	be	AUX
amfbr-216	184	20	very	very	ADV
amfbr-216	184	21	much	much	ADV
amfbr-216	184	22	recommended	recommend	VERB
amfbr-216	184	23	by	by	ADP
amfbr-216	184	24	asika	asika	NOUN
amfbr-216	184	25	,	,	PUNCT
amfbr-216	184	26	(	(	PUNCT
amfbr-216	184	27	2004	2004	NUM
amfbr-216	184	28	)	)	PUNCT
amfbr-216	184	29	.	.	PUNCT
amfbr-216	185	1	simple	simple	ADJ
amfbr-216	185	2	percentage	percentage	NOUN
amfbr-216	185	3	is	be	AUX
amfbr-216	185	4	given	give	VERB
amfbr-216	185	5	by	by	ADP
amfbr-216	185	6	=	=	NOUN
amfbr-216	185	7	number	number	NOUN
amfbr-216	185	8	x	x	SYM
amfbr-216	185	9	100	100	NUM
amfbr-216	185	10	total	total	ADJ
amfbr-216	185	11	1	1	NUM
amfbr-216	185	12	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	NOUN
amfbr-216	185	13	american	american	PROPN
amfbr-216	185	14	finance	finance	PROPN
amfbr-216	185	15	&	&	CCONJ
amfbr-216	185	16	banking	banking	PROPN
amfbr-216	185	17	review	review	PROPN
amfbr-216	185	18	vol	vol	NOUN
amfbr-216	185	19	.	.	PROPN
amfbr-216	186	1	3	3	NUM
amfbr-216	186	2	,	,	PUNCT
amfbr-216	186	3	no	no	INTJ
amfbr-216	186	4	.	.	NOUN
amfbr-216	186	5	1	1	NUM
amfbr-216	186	6	;	;	PUNCT
amfbr-216	186	7	2018	2018	NUM
amfbr-216	186	8	32	32	NUM
amfbr-216	186	9	i.	i.	PROPN
amfbr-216	186	10	chi	chi	PROPN
amfbr-216	186	11	-	-	PUNCT
amfbr-216	186	12	square	square	NOUN
amfbr-216	186	13	(	(	PUNCT
amfbr-216	186	14	x	x	SYM
amfbr-216	186	15	2	2	X
amfbr-216	186	16	)	)	PUNCT
amfbr-216	186	17	is	be	AUX
amfbr-216	186	18	given	give	VERB
amfbr-216	186	19	by	by	ADP
amfbr-216	186	20	the	the	DET
amfbr-216	186	21	formula	formula	NOUN
amfbr-216	186	22	x	x	SYM
amfbr-216	186	23	2	2	NUM
amfbr-216	186	24	=	=	SYM
amfbr-216	186	25	ii	ii	PROPN
amfbr-216	186	26	.	.	PUNCT
amfbr-216	187	1	where	where	SCONJ
amfbr-216	187	2	:	:	PUNCT
amfbr-216	187	3	x	x	SYM
amfbr-216	187	4	2	2	X
amfbr-216	187	5	=	=	ADJ
amfbr-216	187	6	chi	chi	ADJ
amfbr-216	187	7	-	-	PUNCT
amfbr-216	187	8	square	square	ADJ
amfbr-216	187	9	=	=	NOUN
amfbr-216	187	10	summation	summation	NOUN
amfbr-216	187	11	fe=	fe=	ADJ
amfbr-216	187	12	expected	expect	VERB
amfbr-216	187	13	frequency	frequency	NOUN
amfbr-216	187	14	fo=	fo=	NOUN
amfbr-216	187	15	observed	observe	VERB
amfbr-216	187	16	frequency	frequency	NOUN
amfbr-216	187	17	and	and	CCONJ
amfbr-216	187	18	fe	fe	X
amfbr-216	187	19	(	(	PUNCT
amfbr-216	187	20	expected	expect	VERB
amfbr-216	187	21	frequency	frequency	NOUN
amfbr-216	187	22	)	)	PUNCT
amfbr-216	187	23	is	be	AUX
amfbr-216	187	24	given	give	VERB
amfbr-216	187	25	by=	by=	NOUN
amfbr-216	187	26	(	(	PUNCT
amfbr-216	187	27	row	row	NOUN
amfbr-216	187	28	total	total	ADJ
amfbr-216	187	29	x	x	X
amfbr-216	187	30	column	column	NOUN
amfbr-216	187	31	total	total	PROPN
amfbr-216	187	32	)	)	PUNCT
amfbr-216	187	33	iii	iii	PROPN
amfbr-216	187	34	.	.	PUNCT
amfbr-216	188	1	the	the	DET
amfbr-216	188	2	degree	degree	NOUN
amfbr-216	188	3	of	of	ADP
amfbr-216	188	4	freedom	freedom	NOUN
amfbr-216	188	5	necessary	necessary	ADJ
amfbr-216	188	6	for	for	SCONJ
amfbr-216	188	7	the	the	DET
amfbr-216	188	8	application	application	NOUN
amfbr-216	188	9	of	of	ADP
amfbr-216	188	10	chi	chi	NOUN
amfbr-216	188	11	-	-	PUNCT
amfbr-216	188	12	square	square	NOUN
amfbr-216	188	13	(	(	PUNCT
amfbr-216	188	14	x	x	SYM
amfbr-216	188	15	2	2	NUM
amfbr-216	188	16	)	)	PUNCT
amfbr-216	188	17	is	be	AUX
amfbr-216	188	18	determined	determine	VERB
amfbr-216	188	19	thus	thus	ADV
amfbr-216	188	20	;	;	PUNCT
amfbr-216	188	21	df	df	PROPN
amfbr-216	188	22	=	=	SYM
amfbr-216	188	23	(	(	PUNCT
amfbr-216	188	24	r	r	NOUN
amfbr-216	188	25	1	1	NUM
amfbr-216	188	26	)	)	PUNCT
amfbr-216	188	27	(	(	PUNCT
amfbr-216	188	28	c	c	NOUN
amfbr-216	188	29	1	1	NUM
amfbr-216	188	30	)	)	PUNCT
amfbr-216	188	31	where	where	SCONJ
amfbr-216	188	32	:	:	PUNCT
amfbr-216	188	33	r	r	NOUN
amfbr-216	188	34	=	=	NOUN
amfbr-216	188	35	number	number	NOUN
amfbr-216	188	36	of	of	ADP
amfbr-216	188	37	rows	row	NOUN
amfbr-216	188	38	.	.	PUNCT
amfbr-216	189	1	c	c	NOUN
amfbr-216	190	1	=	=	PUNCT
amfbr-216	190	2	number	number	NOUN
amfbr-216	190	3	of	of	ADP
amfbr-216	190	4	columns	column	NOUN
amfbr-216	190	5	iv	iv	X
amfbr-216	190	6	.	.	PUNCT
amfbr-216	191	1	the	the	DET
amfbr-216	191	2	level	level	NOUN
amfbr-216	191	3	of	of	ADP
amfbr-216	191	4	significant	significant	ADJ
amfbr-216	191	5	used	use	VERB
amfbr-216	191	6	is	be	AUX
amfbr-216	191	7	0.05	0.05	NUM
amfbr-216	191	8	or	or	CCONJ
amfbr-216	191	9	95	95	NUM
amfbr-216	191	10	%	%	NOUN
amfbr-216	191	11	v.	v.	ADP
amfbr-216	191	12	decision	decision	NOUN
amfbr-216	191	13	rule	rule	NOUN
amfbr-216	191	14	:	:	PUNCT
amfbr-216	191	15	to	to	PART
amfbr-216	191	16	reject	reject	VERB
amfbr-216	191	17	the	the	DET
amfbr-216	191	18	null	null	ADJ
amfbr-216	191	19	hypothesis	hypothesis	NOUN
amfbr-216	191	20	if	if	SCONJ
amfbr-216	191	21	the	the	DET
amfbr-216	191	22	calculated	calculated	ADJ
amfbr-216	191	23	chi	chi	NOUN
amfbr-216	191	24	-	-	PUNCT
amfbr-216	191	25	square	square	NOUN
amfbr-216	191	26	(	(	PUNCT
amfbr-216	191	27	x	x	X
amfbr-216	191	28	is	be	AUX
amfbr-216	191	29	less	less	ADJ
amfbr-216	191	30	than	than	ADP
amfbr-216	191	31	the	the	DET
amfbr-216	191	32	tabulated	tabulate	VERB
amfbr-216	191	33	chi	chi	NOUN
amfbr-216	191	34	-	-	PUNCT
amfbr-216	191	35	square	square	NOUN
amfbr-216	191	36	(	(	PUNCT
amfbr-216	191	37	x	x	SYM
amfbr-216	191	38	thisis	thisis	INTJ
amfbr-216	191	39	,	,	PUNCT
amfbr-216	191	40	if	if	SCONJ
amfbr-216	191	41	x	x	PRON
amfbr-216	191	42	x	x	PART
amfbr-216	191	43	reject	reject	VERB
amfbr-216	191	44	ho	ho	PROPN
amfbr-216	191	45	and	and	CCONJ
amfbr-216	191	46	accept	accept	VERB
amfbr-216	191	47	h+	h+	PROPN
amfbr-216	191	48	.	.	PROPN
amfbr-216	191	49	3.1	3.1	NUM
amfbr-216	191	50	testing	testing	NOUN
amfbr-216	191	51	hypothesis	hypothesis	NOUN
amfbr-216	191	52	in	in	ADP
amfbr-216	191	53	testing	test	VERB
amfbr-216	191	54	the	the	DET
amfbr-216	191	55	hypothesis	hypothesis	NOUN
amfbr-216	191	56	,	,	PUNCT
amfbr-216	191	57	the	the	DET
amfbr-216	191	58	chi	chi	NOUN
amfbr-216	191	59	-	-	PUNCT
amfbr-216	191	60	square	square	NOUN
amfbr-216	191	61	(	(	PUNCT
amfbr-216	191	62	x	x	SYM
amfbr-216	191	63	2	2	X
amfbr-216	191	64	)	)	PUNCT
amfbr-216	191	65	test	test	NOUN
amfbr-216	191	66	was	be	AUX
amfbr-216	191	67	employed	employ	VERB
amfbr-216	191	68	,	,	PUNCT
amfbr-216	191	69	this	this	PRON
amfbr-216	191	70	is	be	AUX
amfbr-216	191	71	because	because	SCONJ
amfbr-216	191	72	it	it	PRON
amfbr-216	191	73	could	could	AUX
amfbr-216	191	74	be	be	AUX
amfbr-216	191	75	used	use	VERB
amfbr-216	191	76	for	for	ADP
amfbr-216	191	77	both	both	CCONJ
amfbr-216	191	78	small	small	ADJ
amfbr-216	191	79	and	and	CCONJ
amfbr-216	191	80	large	large	ADJ
amfbr-216	191	81	samples	sample	NOUN
amfbr-216	191	82	.	.	PUNCT
amfbr-216	192	1	the	the	DET
amfbr-216	192	2	chi	chi	ADJ
amfbr-216	192	3	-	-	PUNCT
amfbr-216	192	4	square	square	ADJ
amfbr-216	192	5	test	test	NOUN
amfbr-216	192	6	is	be	AUX
amfbr-216	192	7	a	a	DET
amfbr-216	192	8	measure	measure	NOUN
amfbr-216	192	9	of	of	ADP
amfbr-216	192	10	the	the	DET
amfbr-216	192	11	discrepancies	discrepancy	NOUN
amfbr-216	192	12	exiting	exit	VERB
amfbr-216	192	13	between	between	ADP
amfbr-216	192	14	the	the	DET
amfbr-216	192	15	observed	observed	ADJ
amfbr-216	192	16	frequencies	frequency	NOUN
amfbr-216	192	17	and	and	CCONJ
amfbr-216	192	18	expected	expect	VERB
amfbr-216	192	19	frequencies	frequency	NOUN
amfbr-216	192	20	of	of	ADP
amfbr-216	192	21	one	one	NUM
amfbr-216	192	22	or	or	CCONJ
amfbr-216	192	23	more	more	ADJ
amfbr-216	192	24	variables	variable	NOUN
amfbr-216	192	25	.	.	PUNCT
amfbr-216	193	1	i.	i.	PROPN
amfbr-216	193	2	ho	ho	PROPN
amfbr-216	193	3	:	:	PUNCT
amfbr-216	193	4	that	that	SCONJ
amfbr-216	193	5	the	the	DET
amfbr-216	193	6	challenges	challenge	NOUN
amfbr-216	193	7	faced	face	VERB
amfbr-216	193	8	by	by	ADP
amfbr-216	193	9	the	the	DET
amfbr-216	193	10	nigerian	nigerian	ADJ
amfbr-216	193	11	banking	banking	NOUN
amfbr-216	193	12	system	system	NOUN
amfbr-216	193	13	affects	affect	VERB
amfbr-216	193	14	their	their	PRON
amfbr-216	193	15	financial	financial	ADJ
amfbr-216	193	16	performance	performance	NOUN
amfbr-216	193	17	ii	ii	PROPN
amfbr-216	193	18	.	.	PUNCT
amfbr-216	194	1	h1	h1	PROPN
amfbr-216	194	2	:	:	PUNCT
amfbr-216	194	3	that	that	SCONJ
amfbr-216	194	4	the	the	DET
amfbr-216	194	5	challenges	challenge	NOUN
amfbr-216	194	6	faced	face	VERB
amfbr-216	194	7	by	by	ADP
amfbr-216	194	8	the	the	DET
amfbr-216	194	9	nigerian	nigerian	ADJ
amfbr-216	194	10	banking	banking	NOUN
amfbr-216	194	11	system	system	NOUN
amfbr-216	194	12	does	do	AUX
amfbr-216	194	13	not	not	PART
amfbr-216	194	14	affects	affect	VERB
amfbr-216	194	15	their	their	PRON
amfbr-216	194	16	financial	financial	ADJ
amfbr-216	194	17	performance	performance	NOUN
amfbr-216	194	18	in	in	ADP
amfbr-216	194	19	line	line	NOUN
amfbr-216	194	20	with	with	ADP
amfbr-216	194	21	the	the	DET
amfbr-216	194	22	hypothesis	hypothesis	NOUN
amfbr-216	194	23	question	question	NOUN
amfbr-216	194	24	,	,	PUNCT
amfbr-216	194	25	question	question	NOUN
amfbr-216	194	26	2	2	NUM
amfbr-216	194	27	of	of	ADP
amfbr-216	194	28	the	the	DET
amfbr-216	194	29	questionnaire	questionnaire	NOUN
amfbr-216	194	30	was	be	AUX
amfbr-216	194	31	used	use	VERB
amfbr-216	194	32	to	to	PART
amfbr-216	194	33	test	test	VERB
amfbr-216	194	34	the	the	DET
amfbr-216	194	35	hypothesis	hypothesis	NOUN
amfbr-216	194	36	and	and	CCONJ
amfbr-216	194	37	the	the	DET
amfbr-216	194	38	responses	response	NOUN
amfbr-216	194	39	are	be	AUX
amfbr-216	194	40	as	as	SCONJ
amfbr-216	194	41	follows	follow	VERB
amfbr-216	194	42	:	:	PUNCT
amfbr-216	194	43	table	table	NOUN
amfbr-216	194	44	1	1	NUM
amfbr-216	194	45	.	.	PUNCT
amfbr-216	194	46	contingency	contingency	NOUN
amfbr-216	194	47	table	table	NOUN
amfbr-216	194	48	for	for	ADP
amfbr-216	194	49	testing	testing	NOUN
amfbr-216	194	50	of	of	ADP
amfbr-216	194	51	hypothesis	hypothesis	NOUN
amfbr-216	194	52	options	option	NOUN
amfbr-216	194	53	number	number	NOUN
amfbr-216	194	54	of	of	ADP
amfbr-216	194	55	respondents	respondent	NOUN
amfbr-216	194	56	total	total	ADJ
amfbr-216	194	57	operation	operation	NOUN
amfbr-216	194	58	staff	staff	NOUN
amfbr-216	194	59	business	business	NOUN
amfbr-216	194	60	development	development	NOUN
amfbr-216	194	61	officer	officer	NOUN
amfbr-216	195	1	yes	yes	ADV
amfbr-216	195	2	23	23	NUM
amfbr-216	195	3	12	12	NUM
amfbr-216	195	4	35	35	NUM
amfbr-216	195	5	no	no	DET
amfbr-216	195	6	5	5	NUM
amfbr-216	195	7	2	2	NUM
amfbr-216	195	8	7	7	NUM
amfbr-216	195	9	total	total	NOUN
amfbr-216	195	10	28	28	NUM
amfbr-216	195	11	14	14	NUM
amfbr-216	195	12	42	42	NUM
amfbr-216	195	13	source	source	NOUN
amfbr-216	195	14	:	:	PUNCT
amfbr-216	195	15	survey	survey	NOUN
amfbr-216	195	16	2018	2018	NUM
amfbr-216	195	17	the	the	DET
amfbr-216	195	18	table	table	NOUN
amfbr-216	195	19	1	1	NUM
amfbr-216	195	20	.	.	PUNCT
amfbr-216	196	1	above	above	ADV
amfbr-216	196	2	shows	show	VERB
amfbr-216	196	3	that	that	SCONJ
amfbr-216	196	4	a	a	DET
amfbr-216	196	5	total	total	NOUN
amfbr-216	196	6	of	of	ADP
amfbr-216	196	7	42	42	NUM
amfbr-216	196	8	questionnaires	questionnaire	NOUN
amfbr-216	196	9	were	be	AUX
amfbr-216	196	10	retrieved	retrieve	VERB
amfbr-216	196	11	out	out	ADP
amfbr-216	196	12	of	of	ADP
amfbr-216	196	13	the	the	DET
amfbr-216	196	14	45	45	NUM
amfbr-216	196	15	questionnaires	questionnaire	NOUN
amfbr-216	196	16	distributed	distribute	VERB
amfbr-216	196	17	and	and	CCONJ
amfbr-216	196	18	the	the	DET
amfbr-216	196	19	3	3	NUM
amfbr-216	196	20	that	that	PRON
amfbr-216	196	21	were	be	AUX
amfbr-216	196	22	not	not	PART
amfbr-216	196	23	accounted	account	VERB
amfbr-216	196	24	in	in	ADP
amfbr-216	196	25	the	the	DET
amfbr-216	196	26	table	table	NOUN
amfbr-216	196	27	are	be	AUX
amfbr-216	196	28	invalid	invalid	ADJ
amfbr-216	196	29	for	for	ADP
amfbr-216	196	30	the	the	DET
amfbr-216	196	31	analysis	analysis	NOUN
amfbr-216	196	32	.	.	PUNCT
amfbr-216	197	1	computation	computation	NOUN
amfbr-216	197	2	of	of	ADP
amfbr-216	197	3	the	the	DET
amfbr-216	197	4	test	test	NOUN
amfbr-216	197	5	using	use	VERB
amfbr-216	197	6	the	the	DET
amfbr-216	197	7	chi	chi	NOUN
amfbr-216	197	8	-	-	PUNCT
amfbr-216	197	9	square	square	NOUN
amfbr-216	197	10	(	(	PUNCT
amfbr-216	197	11	x	x	SYM
amfbr-216	197	12	2	2	X
amfbr-216	197	13	)	)	PUNCT
amfbr-216	197	14	x	x	SYM
amfbr-216	197	15	2	2	X
amfbr-216	197	16	=	=	SYM
amfbr-216	197	17	=	=	SYM
amfbr-216	197	18	=	=	SYM
amfbr-216	197	19	23.33	23.33	NUM
amfbr-216	197	20	=	=	SYM
amfbr-216	197	21	=	=	SYM
amfbr-216	197	22	4.66	4.66	NUM
amfbr-216	197	23	=	=	SYM
amfbr-216	197	24	=	=	SYM
amfbr-216	197	25	11.66	11.66	NUM
amfbr-216	197	26	=	=	SYM
amfbr-216	197	27	=	=	SYM
amfbr-216	197	28	2	2	NUM
amfbr-216	197	29	.	.	NOUN
amfbr-216	197	30	33	33	NUM
amfbr-216	197	31	4	4	NUM
amfbr-216	197	32	.	.	PUNCT
amfbr-216	197	33	analysis	analysis	NOUN
amfbr-216	197	34	and	and	CCONJ
amfbr-216	197	35	discussion	discussion	NOUN
amfbr-216	197	36	of	of	ADP
amfbr-216	197	37	results	result	NOUN
amfbr-216	197	38	table	table	NOUN
amfbr-216	197	39	2	2	NUM
amfbr-216	197	40	.	.	PUNCT
amfbr-216	198	1	chi	chi	ADJ
amfbr-216	198	2	-	-	PUNCT
amfbr-216	198	3	square	square	ADJ
amfbr-216	198	4	table	table	NOUN
amfbr-216	198	5	for	for	ADP
amfbr-216	198	6	testing	testing	NOUN
amfbr-216	198	7	hypothesis	hypothesis	NOUN
amfbr-216	198	8	of	of	ADP
amfbr-216	198	9	ef	ef	PROPN
amfbr-216	198	10	(	(	PUNCT
amfbr-216	198	11	of	of	ADP
amfbr-216	198	12	-	-	PUNCT
amfbr-216	198	13	ef	ef	NOUN
amfbr-216	198	14	)	)	PUNCT
amfbr-216	198	15	(	(	PUNCT
amfbr-216	198	16	of	of	ADP
amfbr-216	198	17	-	-	PUNCT
amfbr-216	198	18	ef	ef	NOUN
amfbr-216	198	19	)	)	PUNCT
amfbr-216	198	20	2	2	NUM
amfbr-216	198	21	23	23	NUM
amfbr-216	198	22	23.33	23.33	NUM
amfbr-216	198	23	0.33	0.33	NUM
amfbr-216	198	24	0.66	0.66	NUM
amfbr-216	198	25	0.0283	0.0283	NUM
amfbr-216	198	26	5	5	NUM
amfbr-216	198	27	4.66	4.66	NUM
amfbr-216	198	28	-0.34	-0.34	PROPN
amfbr-216	198	29	-0.68	-0.68	PROPN
amfbr-216	198	30	-0.1456	-0.1456	NOUN
amfbr-216	198	31	12	12	NUM
amfbr-216	198	32	11.66	11.66	NUM
amfbr-216	198	33	-0.34	-0.34	PROPN
amfbr-216	198	34	-0.68	-0.68	NOUN
amfbr-216	198	35	-0.0583	-0.0583	NOUN
amfbr-216	198	36	2	2	NUM
amfbr-216	199	1	2.33	2.33	NUM
amfbr-216	199	2	0.33	0.33	NUM
amfbr-216	199	3	0.66	0.66	NUM
amfbr-216	199	4	0.2832	0.2832	NUM
amfbr-216	199	5	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	ADJ
amfbr-216	199	6	american	american	PROPN
amfbr-216	199	7	finance	finance	PROPN
amfbr-216	199	8	&	&	CCONJ
amfbr-216	199	9	banking	banking	PROPN
amfbr-216	199	10	review	review	PROPN
amfbr-216	199	11	vol	vol	NOUN
amfbr-216	199	12	.	.	PROPN
amfbr-216	200	1	3	3	NUM
amfbr-216	200	2	,	,	PUNCT
amfbr-216	200	3	no	no	INTJ
amfbr-216	200	4	.	.	NOUN
amfbr-216	200	5	1	1	NUM
amfbr-216	200	6	;	;	PUNCT
amfbr-216	200	7	2018	2018	NUM
amfbr-216	200	8	33	33	NUM
amfbr-216	200	9	0.66	0.66	NUM
amfbr-216	200	10	x	x	X
amfbr-216	201	1	=	=	NOUN
amfbr-216	201	2	0.108	0.108	NUM
amfbr-216	201	3	x	x	SYM
amfbr-216	201	4	2	2	NUM
amfbr-216	201	5	=	=	SYM
amfbr-216	201	6	x	x	SYM
amfbr-216	201	7	0.108	0.108	NUM
amfbr-216	201	8	x	x	SYM
amfbr-216	201	9	3.841	3.841	NUM
amfbr-216	201	10	while	while	SCONJ
amfbr-216	201	11	taking	take	VERB
amfbr-216	201	12	@	@	ADP
amfbr-216	201	13	(	(	PUNCT
amfbr-216	201	14	level	level	NOUN
amfbr-216	201	15	of	of	ADP
amfbr-216	201	16	significance	significance	NOUN
amfbr-216	201	17	)	)	PUNCT
amfbr-216	202	1	=	=	NOUN
amfbr-216	202	2	0.05	0.05	NUM
amfbr-216	202	3	degree	degree	NOUN
amfbr-216	202	4	of	of	ADP
amfbr-216	202	5	freedom	freedom	NOUN
amfbr-216	202	6	=	=	NOUN
amfbr-216	202	7	1	1	NUM
amfbr-216	202	8	3.841	3.841	NUM
amfbr-216	202	9	>	>	SYM
amfbr-216	202	10	0.108	0.108	NUM
amfbr-216	202	11	decision	decision	NOUN
amfbr-216	202	12	from	from	ADP
amfbr-216	202	13	the	the	DET
amfbr-216	202	14	abovecalculated	abovecalculate	VERB
amfbr-216	202	15	chi	chi	NOUN
amfbr-216	202	16	-	-	PUNCT
amfbr-216	202	17	square	square	NOUN
amfbr-216	202	18	(	(	PUNCT
amfbr-216	202	19	x	x	X
amfbr-216	202	20	is	be	AUX
amfbr-216	202	21	0.288	0.288	NUM
amfbr-216	202	22	which	which	PRON
amfbr-216	202	23	is	be	AUX
amfbr-216	202	24	less	less	ADJ
amfbr-216	202	25	than	than	ADP
amfbr-216	202	26	the	the	DET
amfbr-216	202	27	tabulated	tabulate	VERB
amfbr-216	202	28	chi	chi	ADJ
amfbr-216	202	29	-	-	PUNCT
amfbr-216	202	30	square	square	NOUN
amfbr-216	202	31	(	(	PUNCT
amfbr-216	202	32	x	x	X
amfbr-216	202	33	i.e.	i.e.	X
amfbr-216	202	34	x	x	X
amfbr-216	202	35	<	<	X
amfbr-216	202	36	x	x	PUNCT
amfbr-216	202	37	since	since	SCONJ
amfbr-216	202	38	the	the	DET
amfbr-216	202	39	calculated	calculated	ADJ
amfbr-216	202	40	chi	chi	NOUN
amfbr-216	202	41	-	-	PUNCT
amfbr-216	202	42	square	square	NOUN
amfbr-216	202	43	is	be	AUX
amfbr-216	202	44	less	less	ADJ
amfbr-216	202	45	than	than	ADP
amfbr-216	202	46	the	the	DET
amfbr-216	202	47	tabulated	tabulate	VERB
amfbr-216	202	48	chi	chi	NOUN
amfbr-216	202	49	-	-	PUNCT
amfbr-216	202	50	square	square	NOUN
amfbr-216	202	51	we	we	PRON
amfbr-216	202	52	can	can	AUX
amfbr-216	202	53	now	now	ADV
amfbr-216	202	54	reject	reject	VERB
amfbr-216	202	55	the	the	DET
amfbr-216	202	56	null	null	ADJ
amfbr-216	202	57	hypothesis	hypothesis	NOUN
amfbr-216	202	58	which	which	PRON
amfbr-216	202	59	says	say	VERB
amfbr-216	202	60	the	the	DET
amfbr-216	202	61	challenges	challenge	NOUN
amfbr-216	202	62	faced	face	VERB
amfbr-216	202	63	by	by	ADP
amfbr-216	202	64	the	the	DET
amfbr-216	202	65	nigerian	nigerian	ADJ
amfbr-216	202	66	banking	banking	NOUN
amfbr-216	202	67	system	system	NOUN
amfbr-216	202	68	affects	affect	VERB
amfbr-216	202	69	their	their	PRON
amfbr-216	202	70	financial	financial	ADJ
amfbr-216	202	71	performance	performance	NOUN
amfbr-216	202	72	and	and	CCONJ
amfbr-216	202	73	accept	accept	VERB
amfbr-216	202	74	the	the	DET
amfbr-216	202	75	alternate	alternate	ADJ
amfbr-216	202	76	hypothesis	hypothesis	NOUN
amfbr-216	202	77	which	which	PRON
amfbr-216	202	78	says	say	VERB
amfbr-216	202	79	the	the	DET
amfbr-216	202	80	challenges	challenge	NOUN
amfbr-216	202	81	faced	face	VERB
amfbr-216	202	82	by	by	ADP
amfbr-216	202	83	the	the	DET
amfbr-216	202	84	nigerian	nigerian	ADJ
amfbr-216	202	85	banking	banking	NOUN
amfbr-216	202	86	system	system	NOUN
amfbr-216	202	87	does	do	AUX
amfbr-216	202	88	not	not	PART
amfbr-216	202	89	affects	affect	VERB
amfbr-216	202	90	their	their	PRON
amfbr-216	202	91	financial	financial	ADJ
amfbr-216	202	92	performance	performance	NOUN
amfbr-216	202	93	4	4	NUM
amfbr-216	202	94	.	.	NOUN
amfbr-216	203	1	results	result	NOUN
amfbr-216	203	2	and	and	CCONJ
amfbr-216	203	3	discussion	discussion	NOUN
amfbr-216	203	4	this	this	DET
amfbr-216	203	5	section	section	NOUN
amfbr-216	203	6	presents	present	NOUN
amfbr-216	203	7	,	,	PUNCT
amfbr-216	203	8	analyses	analysis	NOUN
amfbr-216	203	9	and	and	CCONJ
amfbr-216	203	10	interpret	interpret	VERB
amfbr-216	203	11	the	the	DET
amfbr-216	203	12	results	result	NOUN
amfbr-216	203	13	obtained	obtain	VERB
amfbr-216	203	14	from	from	ADP
amfbr-216	203	15	the	the	DET
amfbr-216	203	16	generated	generate	VERB
amfbr-216	203	17	data	datum	NOUN
amfbr-216	203	18	of	of	ADP
amfbr-216	203	19	the	the	DET
amfbr-216	203	20	questionnaire	questionnaire	NOUN
amfbr-216	203	21	.	.	PUNCT
amfbr-216	204	1	4.1	4.1	NUM
amfbr-216	204	2	summary	summary	NOUN
amfbr-216	204	3	of	of	ADP
amfbr-216	204	4	findings	finding	NOUN
amfbr-216	204	5	this	this	DET
amfbr-216	204	6	research	research	NOUN
amfbr-216	204	7	work	work	NOUN
amfbr-216	204	8	study	study	VERB
amfbr-216	204	9	the	the	DET
amfbr-216	204	10	challenges	challenge	NOUN
amfbr-216	204	11	of	of	ADP
amfbr-216	204	12	the	the	DET
amfbr-216	204	13	nigerian	nigerian	ADJ
amfbr-216	204	14	banking	banking	NOUN
amfbr-216	204	15	sector	sector	NOUN
amfbr-216	204	16	and	and	CCONJ
amfbr-216	204	17	the	the	DET
amfbr-216	204	18	way	way	NOUN
amfbr-216	204	19	forward	forward	ADV
amfbr-216	204	20	.	.	PUNCT
amfbr-216	205	1	banking	banking	NOUN
amfbr-216	205	2	sector	sector	NOUN
amfbr-216	205	3	in	in	ADP
amfbr-216	205	4	nigeria	nigeria	PROPN
amfbr-216	205	5	is	be	AUX
amfbr-216	205	6	a	a	DET
amfbr-216	205	7	very	very	ADV
amfbr-216	205	8	important	important	ADJ
amfbr-216	205	9	key	key	NOUN
amfbr-216	205	10	to	to	ADP
amfbr-216	205	11	driving	drive	VERB
amfbr-216	205	12	the	the	DET
amfbr-216	205	13	economic	economic	ADJ
amfbr-216	205	14	activities	activity	NOUN
amfbr-216	205	15	apart	apart	ADV
amfbr-216	205	16	from	from	ADP
amfbr-216	205	17	their	their	PRON
amfbr-216	205	18	role	role	NOUN
amfbr-216	205	19	of	of	ADP
amfbr-216	205	20	financial	financial	ADJ
amfbr-216	205	21	intermediation	intermediation	NOUN
amfbr-216	205	22	,	,	PUNCT
amfbr-216	205	23	they	they	PRON
amfbr-216	205	24	also	also	ADV
amfbr-216	205	25	provides	provide	VERB
amfbr-216	205	26	a	a	DET
amfbr-216	205	27	lot	lot	NOUN
amfbr-216	205	28	of	of	ADP
amfbr-216	205	29	employment	employment	NOUN
amfbr-216	205	30	opportunities	opportunity	NOUN
amfbr-216	205	31	to	to	ADP
amfbr-216	205	32	the	the	DET
amfbr-216	205	33	citizens	citizen	NOUN
amfbr-216	205	34	of	of	ADP
amfbr-216	205	35	the	the	DET
amfbr-216	205	36	country	country	NOUN
amfbr-216	205	37	.	.	PUNCT
amfbr-216	206	1	as	as	SCONJ
amfbr-216	206	2	such	such	DET
amfbr-216	206	3	the	the	DET
amfbr-216	206	4	challenges	challenge	NOUN
amfbr-216	206	5	faced	face	VERB
amfbr-216	206	6	by	by	ADP
amfbr-216	206	7	them	they	PRON
amfbr-216	206	8	should	should	AUX
amfbr-216	206	9	be	be	AUX
amfbr-216	206	10	squarely	squarely	ADV
amfbr-216	206	11	address	address	NOUN
amfbr-216	206	12	by	by	ADP
amfbr-216	206	13	the	the	DET
amfbr-216	206	14	government	government	NOUN
amfbr-216	206	15	and	and	CCONJ
amfbr-216	206	16	the	the	DET
amfbr-216	206	17	regulatory	regulatory	ADJ
amfbr-216	206	18	authorities	authority	NOUN
amfbr-216	206	19	to	to	PART
amfbr-216	206	20	improve	improve	VERB
amfbr-216	206	21	their	their	PRON
amfbr-216	206	22	contribution	contribution	NOUN
amfbr-216	206	23	to	to	ADP
amfbr-216	206	24	the	the	DET
amfbr-216	206	25	nation	nation	NOUN
amfbr-216	206	26	economy	economy	NOUN
amfbr-216	206	27	.	.	PUNCT
amfbr-216	207	1	even	even	ADV
amfbr-216	207	2	though	though	ADV
amfbr-216	207	3	,	,	PUNCT
amfbr-216	207	4	the	the	DET
amfbr-216	207	5	findings	finding	NOUN
amfbr-216	207	6	revealed	reveal	VERB
amfbr-216	207	7	that	that	SCONJ
amfbr-216	207	8	,	,	PUNCT
amfbr-216	207	9	the	the	DET
amfbr-216	207	10	challenges	challenge	NOUN
amfbr-216	207	11	faced	face	VERB
amfbr-216	207	12	by	by	ADP
amfbr-216	207	13	the	the	DET
amfbr-216	207	14	nigerian	nigerian	ADJ
amfbr-216	207	15	banking	banking	NOUN
amfbr-216	207	16	sector	sector	NOUN
amfbr-216	207	17	does	do	AUX
amfbr-216	207	18	not	not	PART
amfbr-216	207	19	affects	affect	VERB
amfbr-216	207	20	their	their	PRON
amfbr-216	207	21	financial	financial	ADJ
amfbr-216	207	22	performance	performance	NOUN
amfbr-216	207	23	.	.	PUNCT
amfbr-216	208	1	however	however	ADV
amfbr-216	208	2	,	,	PUNCT
amfbr-216	208	3	efforts	effort	NOUN
amfbr-216	208	4	should	should	AUX
amfbr-216	208	5	be	be	AUX
amfbr-216	208	6	in	in	ADP
amfbr-216	208	7	place	place	NOUN
amfbr-216	208	8	to	to	PART
amfbr-216	208	9	addressed	address	VERB
amfbr-216	208	10	those	those	DET
amfbr-216	208	11	challenges	challenge	NOUN
amfbr-216	208	12	identified	identify	VERB
amfbr-216	208	13	in	in	ADP
amfbr-216	208	14	the	the	DET
amfbr-216	208	15	study	study	NOUN
amfbr-216	208	16	.	.	PUNCT
amfbr-216	209	1	5	5	X
amfbr-216	209	2	.	.	X
amfbr-216	209	3	conclusion	conclusion	NOUN
amfbr-216	209	4	and	and	CCONJ
amfbr-216	209	5	recommendation	recommendation	NOUN
amfbr-216	209	6	this	this	DET
amfbr-216	209	7	study	study	NOUN
amfbr-216	209	8	concludes	conclude	VERB
amfbr-216	209	9	that	that	SCONJ
amfbr-216	209	10	banking	banking	NOUN
amfbr-216	209	11	sector	sector	NOUN
amfbr-216	209	12	challenges	challenge	NOUN
amfbr-216	209	13	in	in	ADP
amfbr-216	209	14	nigeria	nigeria	PROPN
amfbr-216	209	15	do	do	AUX
amfbr-216	209	16	not	not	PART
amfbr-216	209	17	affect	affect	VERB
amfbr-216	209	18	the	the	DET
amfbr-216	209	19	financial	financial	ADJ
amfbr-216	209	20	performance	performance	NOUN
amfbr-216	209	21	of	of	ADP
amfbr-216	209	22	the	the	DET
amfbr-216	209	23	banks	bank	NOUN
amfbr-216	209	24	,	,	PUNCT
amfbr-216	209	25	but	but	CCONJ
amfbr-216	209	26	care	care	VERB
amfbr-216	209	27	and	and	CCONJ
amfbr-216	209	28	necessary	necessary	ADJ
amfbr-216	209	29	support	support	NOUN
amfbr-216	209	30	both	both	PRON
amfbr-216	209	31	in	in	ADP
amfbr-216	209	32	terms	term	NOUN
amfbr-216	209	33	of	of	ADP
amfbr-216	209	34	policy	policy	NOUN
amfbr-216	209	35	and	and	CCONJ
amfbr-216	209	36	operational	operational	ADJ
amfbr-216	209	37	support	support	NOUN
amfbr-216	209	38	should	should	AUX
amfbr-216	209	39	be	be	AUX
amfbr-216	209	40	given	give	VERB
amfbr-216	209	41	so	so	SCONJ
amfbr-216	209	42	as	as	SCONJ
amfbr-216	209	43	to	to	PART
amfbr-216	209	44	improve	improve	VERB
amfbr-216	209	45	their	their	PRON
amfbr-216	209	46	contribution	contribution	NOUN
amfbr-216	209	47	to	to	ADP
amfbr-216	209	48	the	the	DET
amfbr-216	209	49	nigerian	nigerian	ADJ
amfbr-216	209	50	economy	economy	NOUN
amfbr-216	209	51	.	.	PUNCT
amfbr-216	210	1	the	the	DET
amfbr-216	210	2	study	study	NOUN
amfbr-216	210	3	recommends	recommend	VERB
amfbr-216	210	4	that	that	SCONJ
amfbr-216	210	5	government	government	NOUN
amfbr-216	210	6	and	and	CCONJ
amfbr-216	210	7	relevant	relevant	ADJ
amfbr-216	210	8	regulatory	regulatory	ADJ
amfbr-216	210	9	agencies	agency	NOUN
amfbr-216	210	10	should	should	AUX
amfbr-216	210	11	put	put	VERB
amfbr-216	210	12	heads	head	NOUN
amfbr-216	210	13	together	together	ADV
amfbr-216	210	14	to	to	PART
amfbr-216	210	15	render	render	VERB
amfbr-216	210	16	support	support	NOUN
amfbr-216	210	17	and	and	CCONJ
amfbr-216	210	18	address	address	VERB
amfbr-216	210	19	those	those	DET
amfbr-216	210	20	challenges	challenge	NOUN
amfbr-216	210	21	identified	identify	VERB
amfbr-216	210	22	that	that	PRON
amfbr-216	210	23	affect	affect	VERB
amfbr-216	210	24	the	the	DET
amfbr-216	210	25	sector	sector	NOUN
amfbr-216	210	26	.	.	PUNCT
amfbr-216	211	1	also	also	ADV
amfbr-216	211	2	nigerian	nigerian	ADJ
amfbr-216	211	3	banking	banking	NOUN
amfbr-216	211	4	sector	sector	NOUN
amfbr-216	211	5	should	should	AUX
amfbr-216	211	6	invest	invest	VERB
amfbr-216	211	7	in	in	ADP
amfbr-216	211	8	both	both	CCONJ
amfbr-216	211	9	technological	technological	ADJ
amfbr-216	211	10	innovation	innovation	NOUN
amfbr-216	211	11	and	and	CCONJ
amfbr-216	211	12	human	human	ADJ
amfbr-216	211	13	capital	capital	NOUN
amfbr-216	211	14	development	development	NOUN
amfbr-216	211	15	,	,	PUNCT
amfbr-216	211	16	they	they	PRON
amfbr-216	211	17	should	should	AUX
amfbr-216	211	18	imbibe	imbibe	VERB
amfbr-216	211	19	the	the	DET
amfbr-216	211	20	culture	culture	NOUN
amfbr-216	211	21	of	of	ADP
amfbr-216	211	22	good	good	ADJ
amfbr-216	211	23	corporate	corporate	ADJ
amfbr-216	211	24	governance	governance	NOUN
amfbr-216	211	25	and	and	CCONJ
amfbr-216	211	26	stick	stick	VERB
amfbr-216	211	27	to	to	ADP
amfbr-216	211	28	the	the	DET
amfbr-216	211	29	issue	issue	NOUN
amfbr-216	211	30	of	of	ADP
amfbr-216	211	31	banking	banking	NOUN
amfbr-216	211	32	ethics	ethic	NOUN
amfbr-216	211	33	and	and	CCONJ
amfbr-216	211	34	professionalism	professionalism	NOUN
amfbr-216	211	35	among	among	ADP
amfbr-216	211	36	others	other	NOUN
amfbr-216	211	37	.	.	PUNCT
amfbr-216	212	1	references	reference	NOUN
amfbr-216	212	2	adeniji	adeniji	PROPN
amfbr-216	212	3	,	,	PUNCT
amfbr-216	212	4	a.a	a.a	PROPN
amfbr-216	212	5	.	.	PROPN
amfbr-216	212	6	(	(	PUNCT
amfbr-216	212	7	2004	2004	NUM
amfbr-216	212	8	)	)	PUNCT
amfbr-216	212	9	.	.	PUNCT
amfbr-216	213	1	auditing	auditing	NOUN
amfbr-216	213	2	and	and	CCONJ
amfbr-216	213	3	investigations	investigation	NOUN
amfbr-216	213	4	,	,	PUNCT
amfbr-216	213	5	lagos	lago	NOUN
amfbr-216	213	6	:	:	PUNCT
amfbr-216	213	7	value	value	VERB
amfbr-216	213	8	analysis	analysis	NOUN
amfbr-216	213	9	consult	consult	NOUN
amfbr-216	213	10	.	.	PUNCT
amfbr-216	214	1	asika	asika	PROPN
amfbr-216	214	2	,	,	PUNCT
amfbr-216	214	3	n.	n.	PROPN
amfbr-216	214	4	(	(	PUNCT
amfbr-216	214	5	2004	2004	NUM
amfbr-216	214	6	)	)	PUNCT
amfbr-216	214	7	.	.	PUNCT
amfbr-216	215	1	research	research	NOUN
amfbr-216	215	2	methodology	methodology	NOUN
amfbr-216	215	3	in	in	ADP
amfbr-216	215	4	the	the	DET
amfbr-216	215	5	behavioral	behavioral	ADJ
amfbr-216	215	6	science	science	NOUN
amfbr-216	215	7	,	,	PUNCT
amfbr-216	215	8	lagos	lagos	NOUN
amfbr-216	215	9	longman	longman	PROPN
amfbr-216	215	10	nigeria	nigeria	PROPN
amfbr-216	215	11	,	,	PUNCT
amfbr-216	215	12	limited	limited	ADJ
amfbr-216	215	13	.	.	PUNCT
amfbr-216	216	1	auquo	auquo	PROPN
amfbr-216	216	2	,	,	PUNCT
amfbr-216	216	3	b.	b.	PROPN
amfbr-216	216	4	e	e	PROPN
amfbr-216	216	5	.	.	PUNCT
amfbr-216	217	1	(	(	PUNCT
amfbr-216	217	2	2007	2007	NUM
amfbr-216	217	3	)	)	PUNCT
amfbr-216	217	4	.	.	PUNCT
amfbr-216	218	1	microfinance	microfinance	NOUN
amfbr-216	218	2	and	and	CCONJ
amfbr-216	218	3	public	public	NOUN
amfbr-216	218	4	.	.	PUNCT
amfbr-216	219	1	the	the	DET
amfbr-216	219	2	nation	nation	NOUN
amfbr-216	219	3	,	,	PUNCT
amfbr-216	219	4	may	may	AUX
amfbr-216	219	5	18,2007	18,2007	NUM
amfbr-216	219	6	.	.	PUNCT
amfbr-216	220	1	pg	pg	PROPN
amfbr-216	220	2	16	16	NUM
amfbr-216	220	3	clementina	clementina	PROPN
amfbr-216	220	4	,	,	PUNCT
amfbr-216	220	5	k.	k.	PROPN
amfbr-216	220	6	,	,	PUNCT
amfbr-216	220	7	&	&	CCONJ
amfbr-216	220	8	isu	isu	PROPN
amfbr-216	220	9	,	,	PUNCT
amfbr-216	220	10	i.	i.	PROPN
amfbr-216	220	11	g.	g.	PROPN
amfbr-216	220	12	(	(	PUNCT
amfbr-216	220	13	2016	2016	NUM
amfbr-216	220	14	)	)	PUNCT
amfbr-216	220	15	.	.	PUNCT
amfbr-216	221	1	security	security	NOUN
amfbr-216	221	2	challenge	challenge	NOUN
amfbr-216	221	3	,	,	PUNCT
amfbr-216	221	4	bank	bank	NOUN
amfbr-216	221	5	fraud	fraud	NOUN
amfbr-216	221	6	and	and	CCONJ
amfbr-216	221	7	commercial	commercial	ADJ
amfbr-216	221	8	bank	bank	NOUN
amfbr-216	221	9	performance	performance	NOUN
amfbr-216	221	10	in	in	ADP
amfbr-216	221	11	nigeria	nigeria	PROPN
amfbr-216	221	12	:	:	PUNCT
amfbr-216	221	13	an	an	DET
amfbr-216	221	14	evaluation	evaluation	NOUN
amfbr-216	221	15	.	.	PUNCT
amfbr-216	222	1	journal	journal	NOUN
amfbr-216	222	2	of	of	ADP
amfbr-216	222	3	business	business	NOUN
amfbr-216	222	4	and	and	CCONJ
amfbr-216	222	5	management	management	NOUN
amfbr-216	222	6	,	,	PUNCT
amfbr-216	222	7	5(2	5(2	NUM
amfbr-216	222	8	)	)	PUNCT
amfbr-216	222	9	,	,	PUNCT
amfbr-216	222	10	1	1	NUM
amfbr-216	222	11	-	-	SYM
amfbr-216	222	12	21	21	NUM
amfbr-216	222	13	cnbc	cnbc	PROPN
amfbr-216	222	14	africa	africa	PROPN
amfbr-216	222	15	nigeria	nigeria	PROPN
amfbr-216	222	16	6th	6th	ADJ
amfbr-216	222	17	floor	floor	NOUN
amfbr-216	222	18	(	(	PUNCT
amfbr-216	222	19	east	east	PROPN
amfbr-216	222	20	&	&	CCONJ
amfbr-216	222	21	west	west	PROPN
amfbr-216	222	22	wing	wing	NOUN
amfbr-216	222	23	)	)	PUNCT
amfbr-216	222	24	,	,	PUNCT
amfbr-216	222	25	south	south	PROPN
amfbr-216	222	26	atlantic	atlantic	ADJ
amfbr-216	222	27	petroleum	petroleum	NOUN
amfbr-216	222	28	towers	tower	NOUN
amfbr-216	222	29	,	,	PUNCT
amfbr-216	222	30	1	1	NUM
amfbr-216	222	31	adeola	adeola	NOUN
amfbr-216	222	32	odeku	odeku	PROPN
amfbr-216	222	33	street	street	PROPN
amfbr-216	222	34	,	,	PUNCT
amfbr-216	222	35	victoria	victoria	PROPN
amfbr-216	222	36	island	island	PROPN
amfbr-216	222	37	,	,	PUNCT
amfbr-216	222	38	lagos	lagos	PROPN
amfbr-216	222	39	state	state	PROPN
amfbr-216	222	40	nigeria	nigeria	PROPN
amfbr-216	222	41	.	.	PUNCT
amfbr-216	223	1	ekundayo	ekundayo	PROPN
amfbr-216	223	2	,	,	PUNCT
amfbr-216	223	3	b.i	b.i	PROPN
amfbr-216	223	4	.	.	PROPN
amfbr-216	223	5	(	(	PUNCT
amfbr-216	223	6	1996	1996	NUM
amfbr-216	223	7	)	)	PUNCT
amfbr-216	223	8	.	.	PUNCT
amfbr-216	224	1	financial	financial	ADJ
amfbr-216	224	2	and	and	CCONJ
amfbr-216	224	3	real	real	ADJ
amfbr-216	224	4	sector	sector	NOUN
amfbr-216	224	5	interactions	interaction	NOUN
amfbr-216	224	6	in	in	ADP
amfbr-216	224	7	developing	develop	VERB
amfbr-216	224	8	economies	economy	NOUN
amfbr-216	224	9	:	:	PUNCT
amfbr-216	224	10	the	the	DET
amfbr-216	224	11	case	case	NOUN
amfbr-216	224	12	of	of	ADP
amfbr-216	224	13	nigeria	nigeria	PROPN
amfbr-216	224	14	.	.	PUNCT
amfbr-216	225	1	a	a	DET
amfbr-216	225	2	paper	paper	NOUN
amfbr-216	225	3	submitted	submit	VERB
amfbr-216	225	4	to	to	ADP
amfbr-216	225	5	african	african	ADJ
amfbr-216	225	6	development	development	NOUN
amfbr-216	225	7	finance	finance	NOUN
amfbr-216	225	8	policy	policy	NOUN
amfbr-216	225	9	workshop	workshop	NOUN
amfbr-216	225	10	for	for	ADP
amfbr-216	225	11	consideration	consideration	NOUN
amfbr-216	225	12	in	in	ADP
amfbr-216	225	13	the	the	DET
amfbr-216	225	14	workshop	workshop	NOUN
amfbr-216	225	15	.	.	PUNCT
amfbr-216	226	1	kanayo	kanayo	PROPN
amfbr-216	226	2	and	and	CCONJ
amfbr-216	226	3	micheal	micheal	PROPN
amfbr-216	226	4	(	(	PUNCT
amfbr-216	226	5	2011	2011	NUM
amfbr-216	226	6	)	)	PUNCT
amfbr-216	226	7	foreign	foreign	ADJ
amfbr-216	226	8	portfolio	portfolio	NOUN
amfbr-216	226	9	investment	investment	NOUN
amfbr-216	226	10	and	and	CCONJ
amfbr-216	226	11	economic	economic	ADJ
amfbr-216	226	12	growth	growth	NOUN
amfbr-216	226	13	in	in	ADP
amfbr-216	226	14	nigeria.international	nigeria.international	ADJ
amfbr-216	226	15	journal	journal	NOUN
amfbr-216	226	16	of	of	ADP
amfbr-216	226	17	business	business	NOUN
amfbr-216	226	18	and	and	CCONJ
amfbr-216	226	19	social	social	ADJ
amfbr-216	226	20	science	science	NOUN
amfbr-216	226	21	.	.	PUNCT
amfbr-216	227	1	(	(	PUNCT
amfbr-216	227	2	5	5	NUM
amfbr-216	227	3	)	)	PUNCT
amfbr-216	227	4	11	11	NUM
amfbr-216	227	5	,	,	PUNCT
amfbr-216	227	6	1	1	NUM
amfbr-216	227	7	-	-	SYM
amfbr-216	227	8	14	14	NUM
amfbr-216	227	9	nwankwo	nwankwo	NOUN
amfbr-216	227	10	,	,	PUNCT
amfbr-216	227	11	g.o	g.o	PROPN
amfbr-216	227	12	.	.	PROPN
amfbr-216	227	13	(	(	PUNCT
amfbr-216	227	14	1991	1991	NUM
amfbr-216	227	15	)	)	PUNCT
amfbr-216	227	16	.	.	PUNCT
amfbr-216	228	1	bank	bank	NOUN
amfbr-216	228	2	management	management	NOUN
amfbr-216	228	3	,	,	PUNCT
amfbr-216	228	4	principles	principle	NOUN
amfbr-216	228	5	and	and	CCONJ
amfbr-216	228	6	practice	practice	NOUN
amfbr-216	228	7	.	.	PUNCT
amfbr-216	229	1	malthouse	malthouse	PROPN
amfbr-216	229	2	press	press	PROPN
amfbr-216	229	3	ltd	ltd	PROPN
amfbr-216	229	4	.	.	PUNCT
amfbr-216	230	1	lagos	lagos	PROPN
amfbr-216	230	2	ochejele	ochejele	PROPN
amfbr-216	230	3	,	,	PUNCT
amfbr-216	230	4	j.	j.	PROPN
amfbr-216	230	5	j.	j.	PROPN
amfbr-216	230	6	(	(	PUNCT
amfbr-216	230	7	2003	2003	NUM
amfbr-216	230	8	)	)	PUNCT
amfbr-216	231	1	.the	.the	DET
amfbr-216	231	2	nigerian	nigerian	ADJ
amfbr-216	231	3	financial	financial	ADJ
amfbr-216	231	4	market	market	NOUN
amfbr-216	231	5	and	and	CCONJ
amfbr-216	231	6	the	the	DET
amfbr-216	231	7	challenges	challenge	NOUN
amfbr-216	231	8	of	of	ADP
amfbr-216	231	9	the	the	DET
amfbr-216	231	10	twenty	twenty	NUM
amfbr-216	231	11	first	first	ADJ
amfbr-216	231	12	century	century	NOUN
amfbr-216	231	13	.	.	PUNCT
amfbr-216	232	1	unpublished	unpublished	ADJ
amfbr-216	232	2	paper	paper	NOUN
amfbr-216	232	3	.	.	PUNCT
amfbr-216	233	1	ofanson	ofanson	PROPN
amfbr-216	233	2	e.	e.	PROPN
amfbr-216	233	3	j.	j.	PROPN
amfbr-216	233	4	ukinamemen	ukinamemen	PROPN
amfbr-216	233	5	a.	a.	NOUN
amfbr-216	233	6	a.	a.	PROPN
amfbr-216	233	7	and	and	CCONJ
amfbr-216	233	8	agbadua	agbadua	PROPN
amfbr-216	233	9	o.	o.	PROPN
amfbr-216	233	10	b.	b.	PROPN
amfbr-216	233	11	(	(	PUNCT
amfbr-216	233	12	2013	2013	NUM
amfbr-216	233	13	)	)	PUNCT
amfbr-216	233	14	assessing	assess	VERB
amfbr-216	233	15	the	the	DET
amfbr-216	233	16	impact	impact	NOUN
amfbr-216	233	17	of	of	ADP
amfbr-216	233	18	banking	banking	NOUN
amfbr-216	233	19	reforms	reform	NOUN
amfbr-216	233	20	on	on	ADP
amfbr-216	233	21	the	the	DET
amfbr-216	233	22	performance	performance	NOUN
amfbr-216	233	23	of	of	ADP
amfbr-216	233	24	the	the	DET
amfbr-216	233	25	banking	banking	NOUN
amfbr-216	233	26	industry	industry	NOUN
amfbr-216	233	27	in	in	ADP
amfbr-216	233	28	nigeria	nigeria	PROPN
amfbr-216	233	29	.	.	PUNCT
amfbr-216	234	1	indian	indian	PROPN
amfbr-216	234	2	journal	journal	PROPN
amfbr-216	234	3	of	of	ADP
amfbr-216	234	4	commerce	commerce	PROPN
amfbr-216	234	5	&	&	CCONJ
amfbr-216	234	6	management	management	PROPN
amfbr-216	234	7	studies	study	NOUN
amfbr-216	234	8	.	.	PUNCT
amfbr-216	235	1	(	(	PUNCT
amfbr-216	235	2	4	4	NUM
amfbr-216	235	3	)	)	PUNCT
amfbr-216	235	4	2	2	NUM
amfbr-216	235	5	,	,	PUNCT
amfbr-216	235	6	2240	2240	NUM
amfbr-216	235	7	-	-	SYM
amfbr-216	235	8	0310	0310	NUM
amfbr-216	235	9	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-216	235	10	american	american	PROPN
amfbr-216	235	11	finance	finance	PROPN
amfbr-216	235	12	&	&	CCONJ
amfbr-216	235	13	banking	banking	PROPN
amfbr-216	235	14	review	review	PROPN
amfbr-216	235	15	vol	vol	NOUN
amfbr-216	235	16	.	.	PROPN
amfbr-216	236	1	3	3	NUM
amfbr-216	236	2	,	,	PUNCT
amfbr-216	236	3	no	no	INTJ
amfbr-216	236	4	.	.	NOUN
amfbr-216	236	5	1	1	NUM
amfbr-216	236	6	;	;	PUNCT
amfbr-216	236	7	2018	2018	NUM
amfbr-216	236	8	34	34	NUM
amfbr-216	236	9	sanusi	sanusi	NOUN
amfbr-216	236	10	,	,	PUNCT
amfbr-216	236	11	l.	l.	PROPN
amfbr-216	236	12	s.	s.	PROPN
amfbr-216	236	13	(	(	PUNCT
amfbr-216	236	14	2010	2010	NUM
amfbr-216	236	15	)	)	PUNCT
amfbr-216	236	16	.	.	PUNCT
amfbr-216	237	1	the	the	DET
amfbr-216	237	2	nigerian	nigerian	ADJ
amfbr-216	237	3	banking	banking	NOUN
amfbr-216	237	4	industry	industry	NOUN
amfbr-216	237	5	:	:	PUNCT
amfbr-216	237	6	what	what	PRON
amfbr-216	237	7	went	go	VERB
amfbr-216	237	8	wrong	wrong	ADJ
amfbr-216	237	9	and	and	CCONJ
amfbr-216	237	10	the	the	DET
amfbr-216	237	11	way	way	NOUN
amfbr-216	237	12	forward	forward	ADV
amfbr-216	237	13	.	.	PUNCT
amfbr-216	238	1	being	be	AUX
amfbr-216	238	2	an	an	DET
amfbr-216	238	3	address	address	NOUN
amfbr-216	238	4	delivered	deliver	VERB
amfbr-216	238	5	at	at	ADP
amfbr-216	238	6	the	the	DET
amfbr-216	238	7	convocation	convocation	NOUN
amfbr-216	238	8	square	square	NOUN
amfbr-216	238	9	.	.	PUNCT
amfbr-216	239	1	soludo	soludo	PROPN
amfbr-216	239	2	,	,	PUNCT
amfbr-216	239	3	c.	c.	PROPN
amfbr-216	239	4	c.	c.	PROPN
amfbr-216	239	5	(	(	PUNCT
amfbr-216	239	6	2004	2004	NUM
amfbr-216	239	7	)	)	PUNCT
amfbr-216	239	8	.	.	PUNCT
amfbr-216	240	1	consolidating	consolidate	VERB
amfbr-216	240	2	the	the	DET
amfbr-216	240	3	banking	banking	NOUN
amfbr-216	240	4	industry	industry	NOUN
amfbr-216	240	5	to	to	PART
amfbr-216	240	6	meet	meet	VERB
amfbr-216	240	7	the	the	DET
amfbr-216	240	8	development	development	NOUN
amfbr-216	240	9	challenges	challenge	NOUN
amfbr-216	240	10	of	of	ADP
amfbr-216	240	11	the	the	DET
amfbr-216	240	12	21st	21st	ADJ
amfbr-216	240	13	century	century	NOUN
amfbr-216	240	14	;	;	PUNCT
amfbr-216	240	15	being	be	AUX
amfbr-216	240	16	an	an	DET
amfbr-216	240	17	address	address	NOUN
amfbr-216	240	18	to	to	ADP
amfbr-216	240	19	the	the	DET
amfbr-216	240	20	special	special	ADJ
amfbr-216	240	21	meeting	meeting	NOUN
amfbr-216	240	22	of	of	ADP
amfbr-216	240	23	the	the	DET
amfbr-216	240	24	bankers	banker	NOUN
amfbr-216	240	25	committees	committee	NOUN
amfbr-216	240	26	held	hold	VERB
amfbr-216	240	27	on	on	ADP
amfbr-216	240	28	july	july	PROPN
amfbr-216	240	29	16	16	NUM
amfbr-216	240	30	th	th	NUM
amfbr-216	240	31	2004	2004	NUM
amfbr-216	240	32	at	at	ADP
amfbr-216	240	33	the	the	DET
amfbr-216	240	34	cbn	cbn	PROPN
amfbr-216	240	35	headquarter	headquarter	PROPN
amfbr-216	240	36	abuja	abuja	PROPN
amfbr-216	240	37	.	.	PUNCT
amfbr-216	241	1	uche	uche	PROPN
amfbr-216	241	2	basil	basil	PROPN
amfbr-216	241	3	onwe	onwe	PROPN
amfbr-216	242	1	[	[	X
amfbr-216	242	2	2013	2013	NUM
amfbr-216	242	3	]	]	PUNCT
amfbr-216	242	4	the	the	DET
amfbr-216	242	5	nigerian	nigerian	ADJ
amfbr-216	242	6	financial	financial	ADJ
amfbr-216	242	7	market	market	NOUN
amfbr-216	242	8	and	and	CCONJ
amfbr-216	242	9	the	the	DET
amfbr-216	242	10	challenges	challenge	NOUN
amfbr-216	242	11	of	of	ADP
amfbr-216	242	12	information	information	NOUN
amfbr-216	242	13	technologybased	technologybase	VERB
amfbr-216	242	14	operational	operational	ADJ
amfbr-216	242	15	services	service	NOUN
amfbr-216	242	16	.	.	PUNCT
amfbr-216	243	1	kuwait	kuwait	PROPN
amfbr-216	243	2	chapter	chapter	PROPN
amfbr-216	243	3	of	of	ADP
amfbr-216	243	4	arabian	arabian	ADJ
amfbr-216	243	5	journal	journal	PROPN
amfbr-216	243	6	of	of	ADP
amfbr-216	243	7	business	business	NOUN
amfbr-216	243	8	and	and	CCONJ
amfbr-216	243	9	management	management	NOUN
amfbr-216	243	10	review	review	NOUN
amfbr-216	243	11	.	.	PUNCT
amfbr-216	244	1	(	(	PUNCT
amfbr-216	244	2	2	2	NUM
amfbr-216	244	3	)	)	PUNCT
amfbr-216	244	4	6	6	NUM
amfbr-216	244	5	world	world	NOUN
amfbr-216	244	6	bank	bank	PROPN
amfbr-216	244	7	(	(	PUNCT
amfbr-216	244	8	1995	1995	NUM
amfbr-216	244	9	)	)	PUNCT
amfbr-216	244	10	.	.	PUNCT
amfbr-216	245	1	world	world	PROPN
amfbr-216	245	2	development	development	PROPN
amfbr-216	245	3	report	report	PROPN
amfbr-216	245	4	1995	1995	NUM
amfbr-216	246	1	,	,	PUNCT
amfbr-216	246	2	washington	washington	PROPN
amfbr-216	246	3	copyrights	copyright	VERB
amfbr-216	246	4	copyright	copyright	NOUN
amfbr-216	246	5	for	for	ADP
amfbr-216	246	6	this	this	DET
amfbr-216	246	7	article	article	NOUN
amfbr-216	246	8	is	be	AUX
amfbr-216	246	9	retained	retain	VERB
amfbr-216	246	10	by	by	ADP
amfbr-216	246	11	the	the	DET
amfbr-216	246	12	author(s	author(s	PROPN
amfbr-216	246	13	)	)	PUNCT
amfbr-216	246	14	,	,	PUNCT
amfbr-216	246	15	with	with	ADP
amfbr-216	246	16	first	first	ADJ
amfbr-216	246	17	publication	publication	NOUN
amfbr-216	246	18	rights	right	NOUN
amfbr-216	246	19	granted	grant	VERB
amfbr-216	246	20	to	to	ADP
amfbr-216	246	21	the	the	DET
amfbr-216	246	22	journal	journal	NOUN
amfbr-216	246	23	.	.	PUNCT
amfbr-216	247	1	this	this	PRON
amfbr-216	247	2	is	be	AUX
amfbr-216	247	3	an	an	DET
amfbr-216	247	4	open	open	ADJ
amfbr-216	247	5	-	-	PUNCT
amfbr-216	247	6	access	access	NOUN
amfbr-216	247	7	article	article	NOUN
amfbr-216	247	8	distributed	distribute	VERB
amfbr-216	247	9	under	under	ADP
amfbr-216	247	10	the	the	DET
amfbr-216	247	11	terms	term	NOUN
amfbr-216	247	12	and	and	CCONJ
amfbr-216	247	13	conditions	condition	NOUN
amfbr-216	247	14	of	of	ADP
amfbr-216	247	15	the	the	DET
amfbr-216	247	16	creative	creative	ADJ
amfbr-216	247	17	commons	common	NOUN
amfbr-216	247	18	attribution	attribution	NOUN
amfbr-216	247	19	license	license	NOUN
amfbr-216	247	20	(	(	PUNCT
amfbr-216	247	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
amfbr-216	247	22	)	)	PUNCT