id	sid	tid	token	lemma	pos
aijbms-112	1	1	american	american	PROPN
aijbms-112	1	2	international	international	PROPN
aijbms-112	1	3	journal	journal	PROPN
aijbms-112	1	4	of	of	ADP
aijbms-112	1	5	business	business	NOUN
aijbms-112	1	6	and	and	CCONJ
aijbms-112	1	7	management	management	NOUN
aijbms-112	1	8	studies	study	NOUN
aijbms-112	1	9	vol	vol	NOUN
aijbms-112	1	10	.	.	PROPN
aijbms-112	2	1	1	1	NUM
aijbms-112	2	2	,	,	PUNCT
aijbms-112	2	3	no	no	INTJ
aijbms-112	2	4	.	.	NOUN
aijbms-112	2	5	1	1	NUM
aijbms-112	2	6	;	;	PUNCT
aijbms-112	2	7	2019	2019	NUM
aijbms-112	2	8	published	publish	VERB
aijbms-112	2	9	by	by	ADP
aijbms-112	2	10	american	american	ADJ
aijbms-112	2	11	center	center	PROPN
aijbms-112	2	12	of	of	ADP
aijbms-112	2	13	science	science	NOUN
aijbms-112	2	14	and	and	CCONJ
aijbms-112	2	15	education	education	NOUN
aijbms-112	2	16	,	,	PUNCT
aijbms-112	2	17	usa	usa	PROPN
aijbms-112	2	18	38	38	NUM
aijbms-112	2	19	asset	asset	NOUN
aijbms-112	2	20	quality	quality	NOUN
aijbms-112	2	21	and	and	CCONJ
aijbms-112	2	22	deposit	deposit	NOUN
aijbms-112	2	23	money	money	NOUN
aijbms-112	2	24	banks	bank	NOUN
aijbms-112	2	25	performance	performance	NOUN
aijbms-112	2	26	in	in	ADP
aijbms-112	2	27	nigeria	nigeria	PROPN
aijbms-112	2	28	mbatabbey	mbatabbey	VERB
aijbms-112	2	29	joy	joy	PROPN
aijbms-112	2	30	ogboru	ogboru	PROPN
aijbms-112	2	31	department	department	PROPN
aijbms-112	2	32	of	of	ADP
aijbms-112	2	33	banking	banking	NOUN
aijbms-112	2	34	and	and	CCONJ
aijbms-112	2	35	finance	finance	NOUN
aijbms-112	2	36	faculty	faculty	NOUN
aijbms-112	2	37	of	of	ADP
aijbms-112	2	38	management	management	NOUN
aijbms-112	2	39	sciences	sciences	PROPN
aijbms-112	2	40	rivers	river	NOUN
aijbms-112	2	41	state	state	PROPN
aijbms-112	2	42	university	university	PROPN
aijbms-112	2	43	,	,	PUNCT
aijbms-112	2	44	port	port	NOUN
aijbms-112	2	45	harcourt	harcourt	PROPN
aijbms-112	2	46	email	email	NOUN
aijbms-112	2	47	:	:	PUNCT
aijbms-112	3	1	mbatabbeyjoy@gmail.com	mbatabbeyjoy@gmail.com	X
aijbms-112	3	2	abstract	abstract	ADJ
aijbms-112	3	3	this	this	DET
aijbms-112	3	4	study	study	NOUN
aijbms-112	3	5	investigate	investigate	VERB
aijbms-112	3	6	the	the	DET
aijbms-112	3	7	relationship	relationship	NOUN
aijbms-112	3	8	between	between	ADP
aijbms-112	3	9	asset	asset	NOUN
aijbms-112	3	10	quality	quality	NOUN
aijbms-112	3	11	and	and	CCONJ
aijbms-112	3	12	deposit	deposit	NOUN
aijbms-112	3	13	money	money	NOUN
aijbms-112	3	14	banks	bank	NOUN
aijbms-112	3	15	performance	performance	NOUN
aijbms-112	3	16	in	in	ADP
aijbms-112	3	17	nigeria	nigeria	PROPN
aijbms-112	3	18	over	over	ADP
aijbms-112	3	19	a	a	DET
aijbms-112	3	20	period	period	NOUN
aijbms-112	3	21	of	of	ADP
aijbms-112	3	22	30	30	NUM
aijbms-112	3	23	years	year	NOUN
aijbms-112	3	24	ranging	range	VERB
aijbms-112	3	25	from	from	ADP
aijbms-112	3	26	1986	1986	NUM
aijbms-112	3	27	to	to	ADP
aijbms-112	3	28	2016	2016	NUM
aijbms-112	3	29	,	,	PUNCT
aijbms-112	3	30	utilizing	utilize	VERB
aijbms-112	3	31	time	time	NOUN
aijbms-112	3	32	series	series	PROPN
aijbms-112	3	33	data	datum	NOUN
aijbms-112	3	34	collected	collect	VERB
aijbms-112	3	35	from	from	ADP
aijbms-112	3	36	the	the	DET
aijbms-112	3	37	nigeria	nigeria	PROPN
aijbms-112	3	38	deposit	deposit	PROPN
aijbms-112	3	39	insurance	insurance	NOUN
aijbms-112	3	40	corporation	corporation	NOUN
aijbms-112	3	41	annual	annual	ADJ
aijbms-112	3	42	reports	report	NOUN
aijbms-112	3	43	and	and	CCONJ
aijbms-112	3	44	accounts	account	NOUN
aijbms-112	3	45	,	,	PUNCT
aijbms-112	3	46	cbn	cbn	PROPN
aijbms-112	3	47	financial	financial	ADJ
aijbms-112	3	48	stability	stability	PROPN
aijbms-112	3	49	report	report	NOUN
aijbms-112	3	50	and	and	CCONJ
aijbms-112	3	51	cbn	cbn	VERB
aijbms-112	3	52	statistically	statistically	ADV
aijbms-112	3	53	bulletin	bulletin	NOUN
aijbms-112	3	54	for	for	ADP
aijbms-112	3	55	various	various	ADJ
aijbms-112	3	56	years	year	NOUN
aijbms-112	3	57	.	.	PUNCT
aijbms-112	4	1	the	the	DET
aijbms-112	4	2	variables	variable	NOUN
aijbms-112	4	3	of	of	ADP
aijbms-112	4	4	study	study	NOUN
aijbms-112	4	5	includes	include	VERB
aijbms-112	4	6	return	return	NOUN
aijbms-112	4	7	on	on	ADP
aijbms-112	4	8	asset	asset	NOUN
aijbms-112	4	9	(	(	PUNCT
aijbms-112	4	10	roa	roa	NOUN
aijbms-112	4	11	)	)	PUNCT
aijbms-112	4	12	proxy	proxy	NOUN
aijbms-112	4	13	for	for	ADP
aijbms-112	4	14	deposit	deposit	NOUN
aijbms-112	4	15	money	money	NOUN
aijbms-112	4	16	bank	bank	NOUN
aijbms-112	4	17	performance	performance	NOUN
aijbms-112	4	18	in	in	ADP
aijbms-112	4	19	nigeria	nigeria	PROPN
aijbms-112	4	20	,	,	PUNCT
aijbms-112	4	21	ratio	ratio	NOUN
aijbms-112	4	22	of	of	ADP
aijbms-112	4	23	non	non	ADJ
aijbms-112	4	24	-	-	ADJ
aijbms-112	4	25	performing	performing	ADJ
aijbms-112	4	26	loan	loan	NOUN
aijbms-112	4	27	to	to	ADP
aijbms-112	4	28	total	total	ADJ
aijbms-112	4	29	loan	loan	NOUN
aijbms-112	4	30	(	(	PUNCT
aijbms-112	4	31	npl	npl	PROPN
aijbms-112	4	32	)	)	PUNCT
aijbms-112	4	33	,	,	PUNCT
aijbms-112	4	34	ratio	ratio	NOUN
aijbms-112	4	35	of	of	ADP
aijbms-112	4	36	liquid	liquid	ADJ
aijbms-112	4	37	assets	asset	NOUN
aijbms-112	4	38	to	to	ADP
aijbms-112	4	39	total	total	ADJ
aijbms-112	4	40	assets	asset	NOUN
aijbms-112	4	41	(	(	PUNCT
aijbms-112	4	42	lat	lat	NOUN
aijbms-112	4	43	)	)	PUNCT
aijbms-112	4	44	and	and	CCONJ
aijbms-112	4	45	ratio	ratio	NOUN
aijbms-112	4	46	of	of	ADP
aijbms-112	4	47	liquid	liquid	ADJ
aijbms-112	4	48	assets	asset	NOUN
aijbms-112	4	49	to	to	ADP
aijbms-112	4	50	short	short	ADJ
aijbms-112	4	51	term	term	NOUN
aijbms-112	4	52	liabilities	liability	NOUN
aijbms-112	4	53	(	(	PUNCT
aijbms-112	4	54	las	las	NOUN
aijbms-112	4	55	)	)	PUNCT
aijbms-112	4	56	as	as	ADP
aijbms-112	4	57	measures	measure	NOUN
aijbms-112	4	58	of	of	ADP
aijbms-112	4	59	asset	asset	NOUN
aijbms-112	4	60	quality	quality	NOUN
aijbms-112	4	61	.	.	PUNCT
aijbms-112	5	1	the	the	DET
aijbms-112	5	2	study	study	NOUN
aijbms-112	5	3	utilizes	utilize	VERB
aijbms-112	5	4	both	both	CCONJ
aijbms-112	5	5	the	the	DET
aijbms-112	5	6	descriptive	descriptive	ADJ
aijbms-112	5	7	and	and	CCONJ
aijbms-112	5	8	econometric	econometric	ADJ
aijbms-112	5	9	techniques	technique	NOUN
aijbms-112	5	10	to	to	PART
aijbms-112	5	11	analyze	analyze	VERB
aijbms-112	5	12	the	the	DET
aijbms-112	5	13	time	time	NOUN
aijbms-112	5	14	series	series	PROPN
aijbms-112	5	15	data	data	PROPN
aijbms-112	5	16	.	.	PUNCT
aijbms-112	6	1	the	the	DET
aijbms-112	6	2	result	result	NOUN
aijbms-112	6	3	shows	show	VERB
aijbms-112	6	4	that	that	SCONJ
aijbms-112	6	5	there	there	PRON
aijbms-112	6	6	is	be	VERB
aijbms-112	6	7	a	a	DET
aijbms-112	6	8	short	short	ADJ
aijbms-112	6	9	run	run	NOUN
aijbms-112	6	10	relationship	relationship	NOUN
aijbms-112	6	11	between	between	ADP
aijbms-112	6	12	asset	asset	NOUN
aijbms-112	6	13	quality	quality	NOUN
aijbms-112	6	14	and	and	CCONJ
aijbms-112	6	15	deposit	deposit	NOUN
aijbms-112	6	16	money	money	NOUN
aijbms-112	6	17	bank	bank	NOUN
aijbms-112	6	18	performance	performance	NOUN
aijbms-112	6	19	in	in	ADP
aijbms-112	6	20	nigeria	nigeria	PROPN
aijbms-112	6	21	.	.	PUNCT
aijbms-112	7	1	also	also	ADV
aijbms-112	7	2	,	,	PUNCT
aijbms-112	7	3	the	the	DET
aijbms-112	7	4	co	co	NOUN
aijbms-112	7	5	-	-	NOUN
aijbms-112	7	6	integration	integration	NOUN
aijbms-112	7	7	result	result	NOUN
aijbms-112	7	8	reveals	reveal	VERB
aijbms-112	7	9	the	the	DET
aijbms-112	7	10	presence	presence	NOUN
aijbms-112	7	11	of	of	ADP
aijbms-112	7	12	a	a	DET
aijbms-112	7	13	long	long	ADJ
aijbms-112	7	14	run	run	NOUN
aijbms-112	7	15	relationship	relationship	NOUN
aijbms-112	7	16	between	between	ADP
aijbms-112	7	17	asset	asset	NOUN
aijbms-112	7	18	quality	quality	NOUN
aijbms-112	7	19	and	and	CCONJ
aijbms-112	7	20	deposit	deposit	NOUN
aijbms-112	7	21	money	money	NOUN
aijbms-112	7	22	bank	bank	NOUN
aijbms-112	7	23	performance	performance	NOUN
aijbms-112	7	24	in	in	ADP
aijbms-112	7	25	nigeria	nigeria	PROPN
aijbms-112	7	26	while	while	SCONJ
aijbms-112	7	27	the	the	DET
aijbms-112	7	28	granger	granger	PROPN
aijbms-112	7	29	causality	causality	PROPN
aijbms-112	7	30	result	result	NOUN
aijbms-112	7	31	shows	show	VERB
aijbms-112	7	32	evidence	evidence	NOUN
aijbms-112	7	33	of	of	ADP
aijbms-112	7	34	causality	causality	NOUN
aijbms-112	7	35	between	between	ADP
aijbms-112	7	36	asset	asset	NOUN
aijbms-112	7	37	quality	quality	NOUN
aijbms-112	7	38	and	and	CCONJ
aijbms-112	7	39	deposit	deposit	NOUN
aijbms-112	7	40	money	money	NOUN
aijbms-112	7	41	bank	bank	NOUN
aijbms-112	7	42	performance	performance	NOUN
aijbms-112	7	43	in	in	ADP
aijbms-112	7	44	nigeria	nigeria	PROPN
aijbms-112	7	45	.	.	PUNCT
aijbms-112	8	1	based	base	VERB
aijbms-112	8	2	on	on	ADP
aijbms-112	8	3	this	this	PRON
aijbms-112	8	4	we	we	PRON
aijbms-112	8	5	conclude	conclude	VERB
aijbms-112	8	6	by	by	ADP
aijbms-112	8	7	saying	say	VERB
aijbms-112	8	8	that	that	SCONJ
aijbms-112	8	9	maintaining	maintain	VERB
aijbms-112	8	10	sound	sound	ADJ
aijbms-112	8	11	assets	asset	NOUN
aijbms-112	8	12	quality	quality	NOUN
aijbms-112	8	13	position	position	NOUN
aijbms-112	8	14	is	be	AUX
aijbms-112	8	15	critical	critical	ADJ
aijbms-112	8	16	to	to	ADP
aijbms-112	8	17	the	the	DET
aijbms-112	8	18	long	long	ADJ
aijbms-112	8	19	term	term	NOUN
aijbms-112	8	20	performance	performance	NOUN
aijbms-112	8	21	,	,	PUNCT
aijbms-112	8	22	survival	survival	NOUN
aijbms-112	8	23	and	and	CCONJ
aijbms-112	8	24	sustainability	sustainability	NOUN
aijbms-112	8	25	of	of	ADP
aijbms-112	8	26	dmbs	dmb	NOUN
aijbms-112	8	27	in	in	ADP
aijbms-112	8	28	nigeria	nigeria	PROPN
aijbms-112	8	29	.	.	PUNCT
aijbms-112	8	30	.	.	PUNCT
aijbms-112	9	1	keywords	keyword	NOUN
aijbms-112	9	2	:	:	PUNCT
aijbms-112	9	3	asset	asset	NOUN
aijbms-112	9	4	quality	quality	NOUN
aijbms-112	9	5	,	,	PUNCT
aijbms-112	9	6	deposit	deposit	NOUN
aijbms-112	9	7	money	money	NOUN
aijbms-112	9	8	banks	bank	NOUN
aijbms-112	9	9	return	return	VERB
aijbms-112	9	10	on	on	ADP
aijbms-112	9	11	assets	asset	NOUN
aijbms-112	9	12	,	,	PUNCT
aijbms-112	9	13	liquid	liquid	ADJ
aijbms-112	9	14	assets	asset	NOUN
aijbms-112	9	15	to	to	ADP
aijbms-112	9	16	short	short	ADJ
aijbms-112	9	17	term	term	NOUN
aijbms-112	9	18	liabilities	liability	NOUN
aijbms-112	9	19	introduction	introduction	VERB
aijbms-112	9	20	the	the	DET
aijbms-112	9	21	issue	issue	NOUN
aijbms-112	9	22	of	of	ADP
aijbms-112	9	23	poor	poor	ADJ
aijbms-112	9	24	assets	asset	NOUN
aijbms-112	9	25	quality	quality	NOUN
aijbms-112	9	26	or	or	CCONJ
aijbms-112	9	27	in	in	ADP
aijbms-112	9	28	other	other	ADJ
aijbms-112	9	29	words	word	NOUN
aijbms-112	9	30	non	non	ADJ
aijbms-112	9	31	-	-	ADJ
aijbms-112	9	32	performing	perform	VERB
aijbms-112	9	33	assets	asset	NOUN
aijbms-112	9	34	has	have	AUX
aijbms-112	9	35	gained	gain	VERB
aijbms-112	9	36	increasing	increase	VERB
aijbms-112	9	37	attention	attention	NOUN
aijbms-112	9	38	in	in	ADP
aijbms-112	9	39	the	the	DET
aijbms-112	9	40	academia	academia	NOUN
aijbms-112	9	41	for	for	ADP
aijbms-112	9	42	some	some	DET
aijbms-112	9	43	decades	decade	NOUN
aijbms-112	9	44	now	now	ADV
aijbms-112	9	45	.	.	PUNCT
aijbms-112	10	1	deteriorating	deteriorate	VERB
aijbms-112	10	2	asset	asset	NOUN
aijbms-112	10	3	quality	quality	NOUN
aijbms-112	10	4	was	be	AUX
aijbms-112	10	5	a	a	DET
aijbms-112	10	6	permanent	permanent	ADJ
aijbms-112	10	7	characteristic	characteristic	NOUN
aijbms-112	10	8	of	of	ADP
aijbms-112	10	9	banking	banking	NOUN
aijbms-112	10	10	institutions	institution	NOUN
aijbms-112	10	11	in	in	ADP
aijbms-112	10	12	nigeria	nigeria	PROPN
aijbms-112	10	13	.	.	PUNCT
aijbms-112	11	1	this	this	PRON
aijbms-112	11	2	was	be	AUX
aijbms-112	11	3	not	not	PART
aijbms-112	11	4	unconnected	unconnected	ADJ
aijbms-112	11	5	with	with	ADP
aijbms-112	11	6	weak	weak	ADJ
aijbms-112	11	7	credit	credit	NOUN
aijbms-112	11	8	policies	policy	NOUN
aijbms-112	11	9	and	and	CCONJ
aijbms-112	11	10	practices	practice	NOUN
aijbms-112	11	11	,	,	PUNCT
aijbms-112	11	12	insider	insider	NOUN
aijbms-112	11	13	abuses	abuse	NOUN
aijbms-112	11	14	and	and	CCONJ
aijbms-112	11	15	unstable	unstable	ADJ
aijbms-112	11	16	macroeconomic	macroeconomic	ADJ
aijbms-112	11	17	environment	environment	NOUN
aijbms-112	11	18	.	.	PUNCT
aijbms-112	12	1	non	non	ADJ
aijbms-112	12	2	-	-	ADJ
aijbms-112	12	3	performing	perform	VERB
aijbms-112	12	4	assets	asset	NOUN
aijbms-112	12	5	(	(	PUNCT
aijbms-112	12	6	npa	npa	NOUN
aijbms-112	12	7	)	)	PUNCT
aijbms-112	12	8	reached	reach	VERB
aijbms-112	12	9	alarming	alarming	ADJ
aijbms-112	12	10	levels	level	NOUN
aijbms-112	12	11	in	in	ADP
aijbms-112	12	12	the	the	DET
aijbms-112	12	13	late	late	ADJ
aijbms-112	12	14	90s	90	NOUN
aijbms-112	12	15	sometimes	sometimes	ADV
aijbms-112	12	16	in	in	ADP
aijbms-112	12	17	excess	excess	NOUN
aijbms-112	12	18	of	of	ADP
aijbms-112	12	19	fifty	fifty	NUM
aijbms-112	12	20	percent	percent	NOUN
aijbms-112	12	21	(	(	PUNCT
aijbms-112	12	22	50	50	NUM
aijbms-112	12	23	%	%	NOUN
aijbms-112	12	24	)	)	PUNCT
aijbms-112	12	25	of	of	ADP
aijbms-112	12	26	gross	gross	ADJ
aijbms-112	12	27	credit	credit	NOUN
aijbms-112	12	28	.	.	PUNCT
aijbms-112	13	1	this	this	PRON
aijbms-112	13	2	led	lead	VERB
aijbms-112	13	3	to	to	ADP
aijbms-112	13	4	the	the	DET
aijbms-112	13	5	collapse	collapse	NOUN
aijbms-112	13	6	of	of	ADP
aijbms-112	13	7	more	more	ADJ
aijbms-112	13	8	than	than	ADP
aijbms-112	13	9	30	30	NUM
aijbms-112	13	10	banks	bank	NOUN
aijbms-112	13	11	in	in	ADP
aijbms-112	13	12	1998	1998	NUM
aijbms-112	13	13	,	,	PUNCT
aijbms-112	13	14	several	several	ADJ
aijbms-112	13	15	community	community	NOUN
aijbms-112	13	16	banks	bank	NOUN
aijbms-112	13	17	,	,	PUNCT
aijbms-112	13	18	primary	primary	ADJ
aijbms-112	13	19	mortgage	mortgage	NOUN
aijbms-112	13	20	institutions	institution	NOUN
aijbms-112	13	21	and	and	CCONJ
aijbms-112	13	22	finance	finance	NOUN
aijbms-112	13	23	companies	company	NOUN
aijbms-112	13	24	.	.	PUNCT
aijbms-112	14	1	in	in	ADP
aijbms-112	14	2	2009	2009	NUM
aijbms-112	14	3	the	the	DET
aijbms-112	14	4	non	non	ADJ
aijbms-112	14	5	performing	perform	VERB
aijbms-112	14	6	assets	asset	NOUN
aijbms-112	14	7	ratio	ratio	NOUN
aijbms-112	14	8	of	of	ADP
aijbms-112	14	9	10	10	NUM
aijbms-112	14	10	banks	bank	NOUN
aijbms-112	14	11	including	include	VERB
aijbms-112	14	12	the	the	DET
aijbms-112	14	13	intervened	intervene	VERB
aijbms-112	14	14	banks	bank	NOUN
aijbms-112	14	15	averaged	average	VERB
aijbms-112	14	16	54.2	54.2	NUM
aijbms-112	14	17	percents	percent	NOUN
aijbms-112	14	18	(	(	PUNCT
aijbms-112	14	19	oni	oni	NOUN
aijbms-112	14	20	,	,	PUNCT
aijbms-112	14	21	2012	2012	NUM
aijbms-112	14	22	)	)	PUNCT
aijbms-112	14	23	.	.	PUNCT
aijbms-112	15	1	going	go	VERB
aijbms-112	15	2	by	by	ADP
aijbms-112	15	3	this	this	PRON
aijbms-112	15	4	,	,	PUNCT
aijbms-112	15	5	nigeria	nigeria	PROPN
aijbms-112	15	6	as	as	ADP
aijbms-112	15	7	a	a	DET
aijbms-112	15	8	nation	nation	NOUN
aijbms-112	15	9	has	have	AUX
aijbms-112	15	10	so	so	ADV
aijbms-112	15	11	far	far	ADV
aijbms-112	15	12	witnessed	witness	VERB
aijbms-112	15	13	series	series	NOUN
aijbms-112	15	14	of	of	ADP
aijbms-112	15	15	banking	banking	NOUN
aijbms-112	15	16	crises	crisis	NOUN
aijbms-112	15	17	.	.	PUNCT
aijbms-112	16	1	these	these	DET
aijbms-112	16	2	series	series	NOUN
aijbms-112	16	3	of	of	ADP
aijbms-112	16	4	failure	failure	NOUN
aijbms-112	16	5	experienced	experience	VERB
aijbms-112	16	6	in	in	ADP
aijbms-112	16	7	the	the	DET
aijbms-112	16	8	nation	nation	NOUN
aijbms-112	16	9	’s	’s	PART
aijbms-112	16	10	banking	banking	NOUN
aijbms-112	16	11	sector	sector	NOUN
aijbms-112	16	12	over	over	ADP
aijbms-112	16	13	this	this	DET
aijbms-112	16	14	periods	period	NOUN
aijbms-112	16	15	can	can	AUX
aijbms-112	16	16	be	be	AUX
aijbms-112	16	17	captured	capture	VERB
aijbms-112	16	18	by	by	ADP
aijbms-112	16	19	the	the	DET
aijbms-112	16	20	number	number	NOUN
aijbms-112	16	21	of	of	ADP
aijbms-112	16	22	failed	fail	VERB
aijbms-112	16	23	financial	financial	ADJ
aijbms-112	16	24	banks	bank	NOUN
aijbms-112	16	25	,	,	PUNCT
aijbms-112	16	26	spate	spate	ADJ
aijbms-112	16	27	of	of	ADP
aijbms-112	16	28	poor	poor	ADJ
aijbms-112	16	29	assets	asset	NOUN
aijbms-112	16	30	,	,	PUNCT
aijbms-112	16	31	the	the	DET
aijbms-112	16	32	debt	debt	NOUN
aijbms-112	16	33	and	and	CCONJ
aijbms-112	16	34	capitalization	capitalization	NOUN
aijbms-112	16	35	requirement	requirement	NOUN
aijbms-112	16	36	,	,	PUNCT
aijbms-112	16	37	erosion	erosion	NOUN
aijbms-112	16	38	of	of	ADP
aijbms-112	16	39	depositors	depositor	NOUN
aijbms-112	16	40	and	and	CCONJ
aijbms-112	16	41	investors	investor	NOUN
aijbms-112	16	42	fund	fund	NOUN
aijbms-112	16	43	and	and	CCONJ
aijbms-112	16	44	the	the	DET
aijbms-112	16	45	general	general	ADJ
aijbms-112	16	46	effects	effect	NOUN
aijbms-112	16	47	on	on	ADP
aijbms-112	16	48	the	the	DET
aijbms-112	16	49	economy	economy	NOUN
aijbms-112	16	50	(	(	PUNCT
aijbms-112	16	51	iwedi	iwedi	PROPN
aijbms-112	16	52	,	,	PUNCT
aijbms-112	16	53	2017	2017	NUM
aijbms-112	16	54	)	)	PUNCT
aijbms-112	16	55	.	.	PUNCT
aijbms-112	17	1	these	these	DET
aijbms-112	17	2	crises	crisis	NOUN
aijbms-112	17	3	(	(	PUNCT
aijbms-112	17	4	1936	1936	NUM
aijbms-112	17	5	-	-	SYM
aijbms-112	17	6	1968	1968	NUM
aijbms-112	17	7	,	,	PUNCT
aijbms-112	17	8	1968	1968	NUM
aijbms-112	17	9	-	-	SYM
aijbms-112	17	10	2000	2000	NUM
aijbms-112	17	11	,	,	PUNCT
aijbms-112	17	12	2000	2000	NUM
aijbms-112	17	13	-	-	SYM
aijbms-112	17	14	2004	2004	NUM
aijbms-112	17	15	,	,	PUNCT
aijbms-112	17	16	and	and	CCONJ
aijbms-112	17	17	2004	2004	NUM
aijbms-112	17	18	-	-	SYM
aijbms-112	17	19	2011	2011	NUM
aijbms-112	17	20	)	)	PUNCT
aijbms-112	17	21	led	lead	VERB
aijbms-112	17	22	to	to	ADP
aijbms-112	17	23	the	the	DET
aijbms-112	17	24	closing	closing	NOUN
aijbms-112	17	25	down	down	ADP
aijbms-112	17	26	of	of	ADP
aijbms-112	17	27	over	over	ADP
aijbms-112	17	28	58	58	NUM
aijbms-112	17	29	deposit	deposit	NOUN
aijbms-112	17	30	money	money	NOUN
aijbms-112	17	31	banks	bank	NOUN
aijbms-112	17	32	(	(	PUNCT
aijbms-112	17	33	cbn	cbn	PROPN
aijbms-112	17	34	,	,	PUNCT
aijbms-112	17	35	1968	1968	NUM
aijbms-112	17	36	,	,	PUNCT
aijbms-112	17	37	ndic	ndic	ADJ
aijbms-112	17	38	,	,	PUNCT
aijbms-112	17	39	2002	2002	NUM
aijbms-112	17	40	,	,	PUNCT
aijbms-112	17	41	nzotta	nzotta	ADJ
aijbms-112	17	42	,	,	PUNCT
aijbms-112	17	43	2004	2004	NUM
aijbms-112	17	44	,	,	PUNCT
aijbms-112	17	45	adeyemi	adeyemi	ADV
aijbms-112	17	46	,	,	PUNCT
aijbms-112	17	47	2011	2011	NUM
aijbms-112	17	48	and	and	CCONJ
aijbms-112	17	49	ohwofasa&mayuku	ohwofasa&mayuku	PROPN
aijbms-112	17	50	,	,	PUNCT
aijbms-112	17	51	2012	2012	NUM
aijbms-112	17	52	and	and	CCONJ
aijbms-112	17	53	iwedi	iwedi	PROPN
aijbms-112	17	54	,	,	PUNCT
aijbms-112	17	55	2017	2017	NUM
aijbms-112	17	56	)	)	PUNCT
aijbms-112	17	57	.	.	PUNCT
aijbms-112	18	1	however	however	ADV
aijbms-112	18	2	,	,	PUNCT
aijbms-112	18	3	vast	vast	ADJ
aijbms-112	18	4	of	of	ADP
aijbms-112	18	5	studies	study	NOUN
aijbms-112	18	6	on	on	ADP
aijbms-112	18	7	the	the	DET
aijbms-112	18	8	effect	effect	NOUN
aijbms-112	18	9	of	of	ADP
aijbms-112	18	10	credit	credit	NOUN
aijbms-112	18	11	risk	risk	NOUN
aijbms-112	18	12	or	or	CCONJ
aijbms-112	18	13	non	non	ADJ
aijbms-112	18	14	performing	perform	VERB
aijbms-112	18	15	loan	loan	NOUN
aijbms-112	18	16	and	and	CCONJ
aijbms-112	18	17	performance	performance	NOUN
aijbms-112	18	18	of	of	ADP
aijbms-112	18	19	banking	banking	NOUN
aijbms-112	18	20	institutions	institution	NOUN
aijbms-112	18	21	in	in	ADP
aijbms-112	18	22	nigeria	nigeria	PROPN
aijbms-112	18	23	have	have	AUX
aijbms-112	18	24	well	well	ADV
aijbms-112	18	25	been	be	AUX
aijbms-112	18	26	documented	document	VERB
aijbms-112	18	27	from	from	ADP
aijbms-112	18	28	both	both	CCONJ
aijbms-112	18	29	theoretical	theoretical	ADJ
aijbms-112	18	30	and	and	CCONJ
aijbms-112	18	31	empirical	empirical	ADJ
aijbms-112	18	32	perspectives	perspective	NOUN
aijbms-112	18	33	with	with	ADP
aijbms-112	18	34	the	the	DET
aijbms-112	18	35	help	help	NOUN
aijbms-112	18	36	of	of	ADP
aijbms-112	18	37	regression	regression	NOUN
aijbms-112	18	38	estimation	estimation	NOUN
aijbms-112	18	39	techniques	technique	NOUN
aijbms-112	18	40	.	.	PUNCT
aijbms-112	19	1	but	but	CCONJ
aijbms-112	19	2	to	to	ADP
aijbms-112	19	3	the	the	DET
aijbms-112	19	4	best	good	ADJ
aijbms-112	19	5	knowledge	knowledge	NOUN
aijbms-112	19	6	of	of	ADP
aijbms-112	19	7	the	the	DET
aijbms-112	19	8	researcher	researcher	NOUN
aijbms-112	19	9	very	very	ADV
aijbms-112	19	10	fragmented	fragmented	ADJ
aijbms-112	19	11	studies	study	NOUN
aijbms-112	19	12	of	of	ADP
aijbms-112	19	13	citable	citable	ADJ
aijbms-112	19	14	significance	significance	NOUN
aijbms-112	19	15	have	have	AUX
aijbms-112	19	16	dealt	deal	VERB
aijbms-112	19	17	on	on	ADP
aijbms-112	19	18	the	the	DET
aijbms-112	19	19	issue	issue	NOUN
aijbms-112	19	20	of	of	ADP
aijbms-112	19	21	asset	asset	NOUN
aijbms-112	19	22	quality	quality	NOUN
aijbms-112	19	23	and	and	CCONJ
aijbms-112	19	24	deposit	deposit	NOUN
aijbms-112	19	25	money	money	NOUN
aijbms-112	19	26	banks	bank	NOUN
aijbms-112	19	27	(	(	PUNCT
aijbms-112	19	28	dmbs	dmb	NOUN
aijbms-112	19	29	)	)	PUNCT
aijbms-112	19	30	performance	performance	NOUN
aijbms-112	19	31	in	in	ADP
aijbms-112	19	32	nigeria	nigeria	PROPN
aijbms-112	19	33	.	.	PUNCT
aijbms-112	20	1	among	among	ADP
aijbms-112	20	2	such	such	ADJ
aijbms-112	20	3	works	work	NOUN
aijbms-112	20	4	are	be	AUX
aijbms-112	20	5	the	the	DET
aijbms-112	20	6	scholarly	scholarly	ADJ
aijbms-112	20	7	works	work	NOUN
aijbms-112	20	8	of	of	ADP
aijbms-112	20	9	abata	abata	NOUN
aijbms-112	20	10	,	,	PUNCT
aijbms-112	20	11	(	(	PUNCT
aijbms-112	20	12	2014	2014	NUM
aijbms-112	20	13	)	)	PUNCT
aijbms-112	20	14	,	,	PUNCT
aijbms-112	20	15	and	and	CCONJ
aijbms-112	20	16	lucky	lucky	ADJ
aijbms-112	20	17	&	&	CCONJ
aijbms-112	20	18	nwosi	nwosi	PROPN
aijbms-112	20	19	,	,	PUNCT
aijbms-112	20	20	(	(	PUNCT
aijbms-112	20	21	2015	2015	NUM
aijbms-112	20	22	)	)	PUNCT
aijbms-112	20	23	that	that	PRON
aijbms-112	20	24	studied	study	VERB
aijbms-112	20	25	assets	asset	NOUN
aijbms-112	20	26	quality	quality	NOUN
aijbms-112	20	27	and	and	CCONJ
aijbms-112	20	28	performance	performance	NOUN
aijbms-112	20	29	of	of	ADP
aijbms-112	20	30	fifteen	fifteen	NUM
aijbms-112	20	31	selected	select	VERB
aijbms-112	20	32	commercial	commercial	ADJ
aijbms-112	20	33	banks	bank	NOUN
aijbms-112	20	34	quoted	quote	VERB
aijbms-112	20	35	on	on	ADP
aijbms-112	20	36	the	the	DET
aijbms-112	20	37	nigeria	nigeria	PROPN
aijbms-112	20	38	stock	stock	PROPN
aijbms-112	20	39	exchange	exchange	PROPN
aijbms-112	20	40	.	.	PUNCT
aijbms-112	21	1	based	base	VERB
aijbms-112	21	2	on	on	ADP
aijbms-112	21	3	this	this	DET
aijbms-112	21	4	gap	gap	NOUN
aijbms-112	21	5	,	,	PUNCT
aijbms-112	21	6	this	this	DET
aijbms-112	21	7	work	work	NOUN
aijbms-112	21	8	is	be	AUX
aijbms-112	21	9	carried	carry	VERB
aijbms-112	21	10	out	out	ADP
aijbms-112	21	11	to	to	PART
aijbms-112	21	12	investigate	investigate	VERB
aijbms-112	21	13	the	the	DET
aijbms-112	21	14	effects	effect	NOUN
aijbms-112	21	15	of	of	ADP
aijbms-112	21	16	asset	asset	NOUN
aijbms-112	21	17	quality	quality	NOUN
aijbms-112	21	18	on	on	ADP
aijbms-112	21	19	performance	performance	NOUN
aijbms-112	21	20	of	of	ADP
aijbms-112	21	21	twenty	twenty	NUM
aijbms-112	21	22	two	two	NUM
aijbms-112	21	23	(	(	PUNCT
aijbms-112	21	24	22	22	NUM
aijbms-112	21	25	)	)	PUNCT
aijbms-112	21	26	deposit	deposit	NOUN
aijbms-112	21	27	money	money	NOUN
aijbms-112	21	28	banks	bank	NOUN
aijbms-112	21	29	in	in	ADP
aijbms-112	21	30	nigeria	nigeria	PROPN
aijbms-112	21	31	using	use	VERB
aijbms-112	21	32	the	the	DET
aijbms-112	21	33	estimation	estimation	NOUN
aijbms-112	21	34	of	of	ADP
aijbms-112	21	35	the	the	DET
aijbms-112	21	36	ordinary	ordinary	ADJ
aijbms-112	21	37	least	least	ADJ
aijbms-112	21	38	square	square	ADJ
aijbms-112	21	39	(	(	PUNCT
aijbms-112	21	40	ols	ol	NOUN
aijbms-112	21	41	)	)	PUNCT
aijbms-112	21	42	technique	technique	NOUN
aijbms-112	21	43	.	.	PUNCT
aijbms-112	22	1	since	since	SCONJ
aijbms-112	22	2	the	the	DET
aijbms-112	22	3	ols	ol	NOUN
aijbms-112	22	4	technique	technique	NOUN
aijbms-112	22	5	have	have	AUX
aijbms-112	22	6	become	become	VERB
aijbms-112	22	7	very	very	ADV
aijbms-112	22	8	popular	popular	ADJ
aijbms-112	22	9	estimation	estimation	NOUN
aijbms-112	22	10	techniques	technique	NOUN
aijbms-112	22	11	in	in	ADP
aijbms-112	22	12	investigating	investigate	VERB
aijbms-112	22	13	the	the	DET
aijbms-112	22	14	link	link	NOUN
aijbms-112	22	15	and	and	CCONJ
aijbms-112	22	16	the	the	DET
aijbms-112	22	17	velocity	velocity	NOUN
aijbms-112	22	18	of	of	ADP
aijbms-112	22	19	adjustment	adjustment	NOUN
aijbms-112	22	20	of	of	ADP
aijbms-112	22	21	variables	variable	NOUN
aijbms-112	22	22	under	under	ADP
aijbms-112	22	23	study	study	NOUN
aijbms-112	22	24	.	.	PUNCT
aijbms-112	23	1	therefore	therefore	ADV
aijbms-112	23	2	,	,	PUNCT
aijbms-112	23	3	it	it	PRON
aijbms-112	23	4	is	be	AUX
aijbms-112	23	5	important	important	ADJ
aijbms-112	23	6	we	we	PRON
aijbms-112	23	7	used	use	VERB
aijbms-112	23	8	this	this	DET
aijbms-112	23	9	estimation	estimation	NOUN
aijbms-112	23	10	tool	tool	NOUN
aijbms-112	23	11	to	to	PART
aijbms-112	23	12	bridge	bridge	VERB
aijbms-112	23	13	the	the	DET
aijbms-112	23	14	knowledge	knowledge	NOUN
aijbms-112	23	15	gap	gap	NOUN
aijbms-112	23	16	and	and	CCONJ
aijbms-112	23	17	to	to	PART
aijbms-112	23	18	find	find	VERB
aijbms-112	23	19	another	another	DET
aijbms-112	23	20	perspective	perspective	NOUN
aijbms-112	23	21	.	.	PUNCT
aijbms-112	24	1	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	PROPN
aijbms-112	24	2	american	american	PROPN
aijbms-112	24	3	international	international	PROPN
aijbms-112	24	4	journal	journal	PROPN
aijbms-112	24	5	of	of	ADP
aijbms-112	24	6	business	business	NOUN
aijbms-112	24	7	and	and	CCONJ
aijbms-112	24	8	management	management	NOUN
aijbms-112	24	9	studies	study	NOUN
aijbms-112	24	10	vol	vol	NOUN
aijbms-112	24	11	.	.	PROPN
aijbms-112	25	1	1	1	NUM
aijbms-112	25	2	,	,	PUNCT
aijbms-112	25	3	no	no	INTJ
aijbms-112	25	4	.	.	NOUN
aijbms-112	25	5	1	1	NUM
aijbms-112	25	6	;	;	PUNCT
aijbms-112	25	7	2019	2019	NUM
aijbms-112	25	8	39	39	NUM
aijbms-112	25	9	literature	literature	NOUN
aijbms-112	25	10	review	review	NOUN
aijbms-112	25	11	asset	asset	NOUN
aijbms-112	25	12	quality	quality	NOUN
aijbms-112	25	13	conceptually	conceptually	ADV
aijbms-112	25	14	,	,	PUNCT
aijbms-112	25	15	in	in	ADP
aijbms-112	25	16	the	the	DET
aijbms-112	25	17	banking	banking	NOUN
aijbms-112	25	18	industry	industry	NOUN
aijbms-112	25	19	,	,	PUNCT
aijbms-112	25	20	asset	asset	NOUN
aijbms-112	25	21	quality	quality	NOUN
aijbms-112	25	22	refers	refer	VERB
aijbms-112	25	23	to	to	ADP
aijbms-112	25	24	the	the	DET
aijbms-112	25	25	review	review	NOUN
aijbms-112	25	26	or	or	CCONJ
aijbms-112	25	27	an	an	DET
aijbms-112	25	28	evaluation	evaluation	NOUN
aijbms-112	25	29	,	,	PUNCT
aijbms-112	25	30	which	which	PRON
aijbms-112	25	31	assesses	assess	VERB
aijbms-112	25	32	the	the	DET
aijbms-112	25	33	credit	credit	NOUN
aijbms-112	25	34	risk	risk	NOUN
aijbms-112	25	35	associated	associate	VERB
aijbms-112	25	36	with	with	ADP
aijbms-112	25	37	any	any	DET
aijbms-112	25	38	particular	particular	ADJ
aijbms-112	25	39	assets	asset	NOUN
aijbms-112	25	40	that	that	PRON
aijbms-112	25	41	normally	normally	ADV
aijbms-112	25	42	requires	require	VERB
aijbms-112	25	43	the	the	DET
aijbms-112	25	44	payments	payment	NOUN
aijbms-112	25	45	of	of	ADP
aijbms-112	25	46	interest	interest	NOUN
aijbms-112	25	47	like	like	ADP
aijbms-112	25	48	investment	investment	NOUN
aijbms-112	25	49	and	and	CCONJ
aijbms-112	25	50	loans	loan	NOUN
aijbms-112	25	51	portfolios	portfolio	NOUN
aijbms-112	25	52	.	.	PUNCT
aijbms-112	26	1	ombaba	ombaba	NOUN
aijbms-112	26	2	(	(	PUNCT
aijbms-112	26	3	2013	2013	NUM
aijbms-112	26	4	)	)	PUNCT
aijbms-112	26	5	defined	define	VERB
aijbms-112	26	6	asset	asset	NOUN
aijbms-112	26	7	quality	quality	NOUN
aijbms-112	26	8	as	as	ADP
aijbms-112	26	9	the	the	DET
aijbms-112	26	10	general	general	ADJ
aijbms-112	26	11	risk	risk	NOUN
aijbms-112	26	12	attached	attach	VERB
aijbms-112	26	13	to	to	ADP
aijbms-112	26	14	various	various	ADJ
aijbms-112	26	15	assets	asset	NOUN
aijbms-112	26	16	held	hold	VERB
aijbms-112	26	17	by	by	ADP
aijbms-112	26	18	financial	financial	ADJ
aijbms-112	26	19	institution	institution	NOUN
aijbms-112	26	20	.	.	PUNCT
aijbms-112	27	1	it	it	PRON
aijbms-112	27	2	is	be	AUX
aijbms-112	27	3	commonly	commonly	ADV
aijbms-112	27	4	used	use	VERB
aijbms-112	27	5	by	by	ADP
aijbms-112	27	6	financial	financial	ADJ
aijbms-112	27	7	institution	institution	NOUN
aijbms-112	27	8	to	to	PART
aijbms-112	27	9	determine	determine	VERB
aijbms-112	27	10	how	how	SCONJ
aijbms-112	27	11	many	many	ADJ
aijbms-112	27	12	of	of	ADP
aijbms-112	27	13	their	their	PRON
aijbms-112	27	14	assets	asset	NOUN
aijbms-112	27	15	are	be	AUX
aijbms-112	27	16	at	at	ADP
aijbms-112	27	17	financial	financial	ADJ
aijbms-112	27	18	risk	risk	NOUN
aijbms-112	27	19	and	and	CCONJ
aijbms-112	27	20	how	how	SCONJ
aijbms-112	27	21	much	much	ADJ
aijbms-112	27	22	allowance	allowance	NOUN
aijbms-112	27	23	for	for	ADP
aijbms-112	27	24	potential	potential	ADJ
aijbms-112	27	25	losses	loss	NOUN
aijbms-112	27	26	they	they	PRON
aijbms-112	27	27	must	must	AUX
aijbms-112	27	28	make	make	VERB
aijbms-112	27	29	.	.	PUNCT
aijbms-112	28	1	the	the	DET
aijbms-112	28	2	most	most	ADV
aijbms-112	28	3	common	common	ADJ
aijbms-112	28	4	assets	asset	NOUN
aijbms-112	28	5	of	of	ADP
aijbms-112	28	6	banks	bank	NOUN
aijbms-112	28	7	requiring	require	VERB
aijbms-112	28	8	a	a	DET
aijbms-112	28	9	strict	strict	ADJ
aijbms-112	28	10	determination	determination	NOUN
aijbms-112	28	11	of	of	ADP
aijbms-112	28	12	asset	asset	NOUN
aijbms-112	28	13	quality	quality	NOUN
aijbms-112	28	14	are	be	AUX
aijbms-112	28	15	loans	loan	NOUN
aijbms-112	28	16	and	and	CCONJ
aijbms-112	28	17	advances	advance	NOUN
aijbms-112	28	18	.	.	PUNCT
aijbms-112	29	1	increasing	increase	VERB
aijbms-112	29	2	loan	loan	NOUN
aijbms-112	29	3	quality	quality	NOUN
aijbms-112	29	4	will	will	AUX
aijbms-112	29	5	increase	increase	VERB
aijbms-112	29	6	the	the	DET
aijbms-112	29	7	return	return	NOUN
aijbms-112	29	8	of	of	ADP
aijbms-112	29	9	financial	financial	ADJ
aijbms-112	29	10	institution	institution	NOUN
aijbms-112	29	11	loans	loan	NOUN
aijbms-112	29	12	and	and	CCONJ
aijbms-112	29	13	reduce	reduce	VERB
aijbms-112	29	14	the	the	DET
aijbms-112	29	15	costs	cost	NOUN
aijbms-112	29	16	of	of	ADP
aijbms-112	29	17	failure	failure	NOUN
aijbms-112	29	18	,	,	PUNCT
aijbms-112	29	19	but	but	CCONJ
aijbms-112	29	20	at	at	ADP
aijbms-112	29	21	the	the	DET
aijbms-112	29	22	same	same	ADJ
aijbms-112	29	23	time	time	NOUN
aijbms-112	29	24	it	it	PRON
aijbms-112	29	25	will	will	AUX
aijbms-112	29	26	be	be	AUX
aijbms-112	29	27	attained	attain	VERB
aijbms-112	29	28	at	at	ADP
aijbms-112	29	29	a	a	DET
aijbms-112	29	30	cost	cost	NOUN
aijbms-112	29	31	that	that	PRON
aijbms-112	29	32	requires	require	VERB
aijbms-112	29	33	banks	bank	NOUN
aijbms-112	29	34	’	’	PART
aijbms-112	29	35	attention	attention	NOUN
aijbms-112	29	36	to	to	PART
aijbms-112	29	37	manage	manage	VERB
aijbms-112	29	38	(	(	PUNCT
aijbms-112	29	39	khalid	khalid	PROPN
aijbms-112	29	40	,	,	PUNCT
aijbms-112	29	41	2012	2012	NUM
aijbms-112	29	42	)	)	PUNCT
aijbms-112	29	43	.	.	PUNCT
aijbms-112	30	1	the	the	DET
aijbms-112	30	2	support	support	NOUN
aijbms-112	30	3	of	of	ADP
aijbms-112	30	4	asset	asset	NOUN
aijbms-112	30	5	quality	quality	NOUN
aijbms-112	30	6	is	be	AUX
aijbms-112	30	7	an	an	DET
aijbms-112	30	8	essential	essential	ADJ
aijbms-112	30	9	feature	feature	NOUN
aijbms-112	30	10	of	of	ADP
aijbms-112	30	11	bank	bank	NOUN
aijbms-112	30	12	(	(	PUNCT
aijbms-112	30	13	gulia	gulia	PROPN
aijbms-112	30	14	2014	2014	NUM
aijbms-112	30	15	)	)	PUNCT
aijbms-112	30	16	.	.	PUNCT
aijbms-112	31	1	asset	asset	NOUN
aijbms-112	31	2	quality	quality	NOUN
aijbms-112	31	3	of	of	ADP
aijbms-112	31	4	the	the	DET
aijbms-112	31	5	bank	bank	NOUN
aijbms-112	31	6	is	be	AUX
aijbms-112	31	7	one	one	NUM
aijbms-112	31	8	of	of	ADP
aijbms-112	31	9	the	the	DET
aijbms-112	31	10	main	main	ADJ
aijbms-112	31	11	issues	issue	NOUN
aijbms-112	31	12	whenever	whenever	SCONJ
aijbms-112	31	13	research	research	NOUN
aijbms-112	31	14	on	on	ADP
aijbms-112	31	15	banks	bank	NOUN
aijbms-112	31	16	is	be	AUX
aijbms-112	31	17	conducted	conduct	VERB
aijbms-112	31	18	(	(	PUNCT
aijbms-112	31	19	chisti	chisti	NOUN
aijbms-112	31	20	2012	2012	NUM
aijbms-112	31	21	)	)	PUNCT
aijbms-112	31	22	.	.	PUNCT
aijbms-112	32	1	how	how	SCONJ
aijbms-112	32	2	efficient	efficient	ADJ
aijbms-112	32	3	and	and	CCONJ
aijbms-112	32	4	effective	effective	ADJ
aijbms-112	32	5	is	be	AUX
aijbms-112	32	6	the	the	DET
aijbms-112	32	7	bank	bank	NOUN
aijbms-112	32	8	management	management	NOUN
aijbms-112	32	9	in	in	ADP
aijbms-112	32	10	monitoring	monitoring	NOUN
aijbms-112	32	11	and	and	CCONJ
aijbms-112	32	12	controlling	control	VERB
aijbms-112	32	13	credit	credit	NOUN
aijbms-112	32	14	risk	risk	NOUN
aijbms-112	32	15	can	can	AUX
aijbms-112	32	16	also	also	ADV
aijbms-112	32	17	have	have	VERB
aijbms-112	32	18	an	an	DET
aijbms-112	32	19	effect	effect	NOUN
aijbms-112	32	20	on	on	ADP
aijbms-112	32	21	the	the	DET
aijbms-112	32	22	kind	kind	NOUN
aijbms-112	32	23	of	of	ADP
aijbms-112	32	24	credit	credit	NOUN
aijbms-112	32	25	rating	rating	NOUN
aijbms-112	32	26	given	give	VERB
aijbms-112	32	27	.	.	PUNCT
aijbms-112	33	1	conceptual	conceptual	ADJ
aijbms-112	33	2	framework	framework	NOUN
aijbms-112	33	3	of	of	ADP
aijbms-112	33	4	profitability	profitability	NOUN
aijbms-112	33	5	profitability	profitability	NOUN
aijbms-112	33	6	connotes	connote	VERB
aijbms-112	33	7	a	a	DET
aijbms-112	33	8	situation	situation	NOUN
aijbms-112	33	9	where	where	SCONJ
aijbms-112	33	10	the	the	DET
aijbms-112	33	11	income	income	NOUN
aijbms-112	33	12	generated	generate	VERB
aijbms-112	33	13	during	during	ADP
aijbms-112	33	14	a	a	DET
aijbms-112	33	15	given	give	VERB
aijbms-112	33	16	period	period	NOUN
aijbms-112	33	17	exceeds	exceed	VERB
aijbms-112	33	18	the	the	DET
aijbms-112	33	19	expenses	expense	NOUN
aijbms-112	33	20	incurred	incur	VERB
aijbms-112	33	21	over	over	ADP
aijbms-112	33	22	the	the	DET
aijbms-112	33	23	same	same	ADJ
aijbms-112	33	24	length	length	NOUN
aijbms-112	33	25	of	of	ADP
aijbms-112	33	26	time	time	NOUN
aijbms-112	33	27	for	for	ADP
aijbms-112	33	28	the	the	DET
aijbms-112	33	29	sole	sole	ADJ
aijbms-112	33	30	purpose	purpose	NOUN
aijbms-112	33	31	of	of	ADP
aijbms-112	33	32	generating	generate	VERB
aijbms-112	33	33	income	income	NOUN
aijbms-112	33	34	banwo	banwo	VERB
aijbms-112	33	35	(	(	PUNCT
aijbms-112	33	36	1997	1997	NUM
aijbms-112	33	37	)	)	PUNCT
aijbms-112	33	38	,	,	PUNCT
aijbms-112	33	39	sanni	sanni	PROPN
aijbms-112	33	40	(	(	PUNCT
aijbms-112	33	41	2006	2006	NUM
aijbms-112	33	42	)	)	PUNCT
aijbms-112	33	43	.	.	PUNCT
aijbms-112	34	1	the	the	DET
aijbms-112	34	2	fundamental	fundamental	ADJ
aijbms-112	34	3	requirements	requirement	NOUN
aijbms-112	34	4	here	here	ADV
aijbms-112	34	5	are	be	AUX
aijbms-112	34	6	that	that	SCONJ
aijbms-112	34	7	the	the	DET
aijbms-112	34	8	income	income	NOUN
aijbms-112	34	9	and	and	CCONJ
aijbms-112	34	10	the	the	DET
aijbms-112	34	11	expenses	expense	NOUN
aijbms-112	34	12	must	must	AUX
aijbms-112	34	13	occur	occur	VERB
aijbms-112	34	14	during	during	ADP
aijbms-112	34	15	the	the	DET
aijbms-112	34	16	same	same	ADJ
aijbms-112	34	17	period	period	NOUN
aijbms-112	34	18	of	of	ADP
aijbms-112	34	19	time	time	NOUN
aijbms-112	34	20	(	(	PUNCT
aijbms-112	34	21	matching	match	VERB
aijbms-112	34	22	concept	concept	NOUN
aijbms-112	34	23	)	)	PUNCT
aijbms-112	34	24	and	and	CCONJ
aijbms-112	34	25	the	the	DET
aijbms-112	34	26	income	income	NOUN
aijbms-112	34	27	must	must	AUX
aijbms-112	34	28	be	be	AUX
aijbms-112	34	29	a	a	DET
aijbms-112	34	30	direct	direct	ADJ
aijbms-112	34	31	consequence	consequence	NOUN
aijbms-112	34	32	of	of	ADP
aijbms-112	34	33	the	the	DET
aijbms-112	34	34	expenses	expense	NOUN
aijbms-112	34	35	.	.	PUNCT
aijbms-112	35	1	the	the	DET
aijbms-112	35	2	period	period	NOUN
aijbms-112	35	3	of	of	ADP
aijbms-112	35	4	time	time	NOUN
aijbms-112	35	5	may	may	AUX
aijbms-112	35	6	be	be	AUX
aijbms-112	35	7	one	one	NUM
aijbms-112	35	8	week	week	NOUN
aijbms-112	35	9	,	,	PUNCT
aijbms-112	35	10	three	three	NUM
aijbms-112	35	11	months	month	NOUN
aijbms-112	35	12	,	,	PUNCT
aijbms-112	35	13	one	one	NUM
aijbms-112	35	14	year	year	NOUN
aijbms-112	35	15	etc	etc	X
aijbms-112	35	16	.	.	X
aijbms-112	35	17	sabo	sabo	PROPN
aijbms-112	35	18	(	(	PUNCT
aijbms-112	35	19	2007	2007	NUM
aijbms-112	35	20	)	)	PUNCT
aijbms-112	35	21	.	.	PUNCT
aijbms-112	36	1	it	it	PRON
aijbms-112	36	2	is	be	AUX
aijbms-112	36	3	not	not	PART
aijbms-112	36	4	immaterial	immaterial	ADJ
aijbms-112	36	5	whether	whether	SCONJ
aijbms-112	36	6	or	or	CCONJ
aijbms-112	36	7	not	not	PART
aijbms-112	36	8	the	the	DET
aijbms-112	36	9	income	income	NOUN
aijbms-112	36	10	has	have	AUX
aijbms-112	36	11	been	be	AUX
aijbms-112	36	12	received	receive	VERB
aijbms-112	36	13	in	in	ADP
aijbms-112	36	14	cash	cash	NOUN
aijbms-112	36	15	nor	nor	CCONJ
aijbms-112	36	16	is	be	AUX
aijbms-112	36	17	it	it	PRON
aijbms-112	36	18	compulsory	compulsory	ADJ
aijbms-112	36	19	that	that	SCONJ
aijbms-112	36	20	the	the	DET
aijbms-112	36	21	expenses	expense	NOUN
aijbms-112	36	22	must	must	AUX
aijbms-112	36	23	have	have	AUX
aijbms-112	36	24	been	be	AUX
aijbms-112	36	25	paid	pay	VERB
aijbms-112	36	26	in	in	ADP
aijbms-112	36	27	cash	cash	NOUN
aijbms-112	36	28	.	.	PUNCT
aijbms-112	37	1	the	the	DET
aijbms-112	37	2	term	term	NOUN
aijbms-112	37	3	profit	profit	NOUN
aijbms-112	37	4	can	can	AUX
aijbms-112	37	5	take	take	VERB
aijbms-112	37	6	either	either	CCONJ
aijbms-112	37	7	its	its	PRON
aijbms-112	37	8	economic	economic	ADJ
aijbms-112	37	9	meaning	meaning	NOUN
aijbms-112	37	10	or	or	CCONJ
aijbms-112	37	11	accounting	accounting	NOUN
aijbms-112	37	12	concept	concept	NOUN
aijbms-112	37	13	which	which	PRON
aijbms-112	37	14	shows	show	VERB
aijbms-112	37	15	the	the	DET
aijbms-112	37	16	excess	excess	NOUN
aijbms-112	37	17	of	of	ADP
aijbms-112	37	18	income	income	NOUN
aijbms-112	37	19	over	over	ADP
aijbms-112	37	20	expenditure	expenditure	NOUN
aijbms-112	37	21	viewed	view	VERB
aijbms-112	37	22	during	during	ADP
aijbms-112	37	23	a	a	DET
aijbms-112	37	24	specified	specified	ADJ
aijbms-112	37	25	period	period	NOUN
aijbms-112	37	26	of	of	ADP
aijbms-112	37	27	time	time	NOUN
aijbms-112	37	28	.	.	PUNCT
aijbms-112	38	1	theoretical	theoretical	ADJ
aijbms-112	38	2	literature	literature	PROPN
aijbms-112	38	3	agency	agency	PROPN
aijbms-112	38	4	theory	theory	NOUN
aijbms-112	38	5	the	the	DET
aijbms-112	38	6	agency	agency	NOUN
aijbms-112	38	7	problem	problem	NOUN
aijbms-112	38	8	was	be	AUX
aijbms-112	38	9	developed	develop	VERB
aijbms-112	38	10	by	by	ADP
aijbms-112	38	11	coase	coase	PROPN
aijbms-112	38	12	(	(	PUNCT
aijbms-112	38	13	1960	1960	NUM
aijbms-112	38	14	)	)	PUNCT
aijbms-112	38	15	,	,	PUNCT
aijbms-112	38	16	jensen	jensen	PROPN
aijbms-112	38	17	and	and	CCONJ
aijbms-112	38	18	meckling	meckling	NOUN
aijbms-112	38	19	(	(	PUNCT
aijbms-112	38	20	1976	1976	NUM
aijbms-112	38	21	)	)	PUNCT
aijbms-112	38	22	and	and	CCONJ
aijbms-112	38	23	fama	fama	PROPN
aijbms-112	38	24	and	and	CCONJ
aijbms-112	38	25	jensen	jensen	PROPN
aijbms-112	38	26	(	(	PUNCT
aijbms-112	38	27	1983	1983	NUM
aijbms-112	38	28	)	)	PUNCT
aijbms-112	38	29	.	.	PUNCT
aijbms-112	39	1	the	the	DET
aijbms-112	39	2	theory	theory	NOUN
aijbms-112	39	3	states	state	VERB
aijbms-112	39	4	the	the	DET
aijbms-112	39	5	relationship	relationship	NOUN
aijbms-112	39	6	between	between	ADP
aijbms-112	39	7	principals	principal	NOUN
aijbms-112	39	8	such	such	ADJ
aijbms-112	39	9	as	as	ADP
aijbms-112	39	10	a	a	DET
aijbms-112	39	11	shareholders	shareholder	NOUN
aijbms-112	39	12	,	,	PUNCT
aijbms-112	39	13	and	and	CCONJ
aijbms-112	39	14	agents	agent	NOUN
aijbms-112	39	15	such	such	ADJ
aijbms-112	39	16	as	as	ADP
aijbms-112	39	17	a	a	DET
aijbms-112	39	18	firm	firm	NOUN
aijbms-112	39	19	’s	’s	PART
aijbms-112	39	20	senior	senior	ADJ
aijbms-112	39	21	management	management	NOUN
aijbms-112	39	22	.	.	PUNCT
aijbms-112	40	1	the	the	DET
aijbms-112	40	2	principal	principal	ADJ
aijbms-112	40	3	delegates	delegate	NOUN
aijbms-112	40	4	work	work	VERB
aijbms-112	40	5	to	to	ADP
aijbms-112	40	6	an	an	DET
aijbms-112	40	7	agent	agent	NOUN
aijbms-112	40	8	.	.	PUNCT
aijbms-112	41	1	the	the	DET
aijbms-112	41	2	theory	theory	NOUN
aijbms-112	41	3	attempts	attempt	VERB
aijbms-112	41	4	to	to	PART
aijbms-112	41	5	deal	deal	VERB
aijbms-112	41	6	with	with	ADP
aijbms-112	41	7	firstly	firstly	ADV
aijbms-112	41	8	,	,	PUNCT
aijbms-112	41	9	the	the	DET
aijbms-112	41	10	agency	agency	NOUN
aijbms-112	41	11	problem	problem	NOUN
aijbms-112	41	12	where	where	SCONJ
aijbms-112	41	13	there	there	PRON
aijbms-112	41	14	is	be	VERB
aijbms-112	41	15	a	a	DET
aijbms-112	41	16	conflict	conflict	NOUN
aijbms-112	41	17	of	of	ADP
aijbms-112	41	18	interest	interest	NOUN
aijbms-112	41	19	between	between	ADP
aijbms-112	41	20	a	a	DET
aijbms-112	41	21	company	company	NOUN
aijbms-112	41	22	's	's	PART
aijbms-112	41	23	management	management	NOUN
aijbms-112	41	24	and	and	CCONJ
aijbms-112	41	25	the	the	DET
aijbms-112	41	26	company	company	NOUN
aijbms-112	41	27	's	's	PART
aijbms-112	41	28	stockholders	stockholder	NOUN
aijbms-112	41	29	,	,	PUNCT
aijbms-112	41	30	and	and	CCONJ
aijbms-112	41	31	secondly	secondly	ADV
aijbms-112	41	32	,	,	PUNCT
aijbms-112	41	33	that	that	SCONJ
aijbms-112	41	34	the	the	DET
aijbms-112	41	35	principal	principal	NOUN
aijbms-112	41	36	and	and	CCONJ
aijbms-112	41	37	agent	agent	NOUN
aijbms-112	41	38	settle	settle	NOUN
aijbms-112	41	39	for	for	ADP
aijbms-112	41	40	different	different	ADJ
aijbms-112	41	41	risk	risk	NOUN
aijbms-112	41	42	tolerances	tolerance	NOUN
aijbms-112	41	43	.	.	PUNCT
aijbms-112	42	1	there	there	PRON
aijbms-112	42	2	are	be	VERB
aijbms-112	42	3	two	two	NUM
aijbms-112	42	4	main	main	ADJ
aijbms-112	42	5	agency	agency	NOUN
aijbms-112	42	6	relationships	relationship	NOUN
aijbms-112	42	7	in	in	ADP
aijbms-112	42	8	a	a	DET
aijbms-112	42	9	firm	firm	NOUN
aijbms-112	42	10	that	that	PRON
aijbms-112	42	11	are	be	AUX
aijbms-112	42	12	normally	normally	ADV
aijbms-112	42	13	in	in	ADP
aijbms-112	42	14	conflict	conflict	NOUN
aijbms-112	42	15	;	;	PUNCT
aijbms-112	42	16	those	those	PRON
aijbms-112	42	17	between	between	ADP
aijbms-112	42	18	the	the	DET
aijbms-112	42	19	company	company	NOUN
aijbms-112	42	20	’s	’s	PART
aijbms-112	42	21	management	management	NOUN
aijbms-112	42	22	and	and	CCONJ
aijbms-112	42	23	stockholders	stockholder	NOUN
aijbms-112	42	24	and	and	CCONJ
aijbms-112	42	25	between	between	ADP
aijbms-112	42	26	the	the	DET
aijbms-112	42	27	stockholders	stockholder	NOUN
aijbms-112	42	28	and	and	CCONJ
aijbms-112	42	29	the	the	DET
aijbms-112	42	30	debt	debt	NOUN
aijbms-112	42	31	holders	holder	NOUN
aijbms-112	42	32	.	.	PUNCT
aijbms-112	43	1	these	these	DET
aijbms-112	43	2	agency	agency	NOUN
aijbms-112	43	3	conflicts	conflict	NOUN
aijbms-112	43	4	have	have	VERB
aijbms-112	43	5	implications	implication	NOUN
aijbms-112	43	6	on	on	ADP
aijbms-112	43	7	corporate	corporate	ADJ
aijbms-112	43	8	governance	governance	NOUN
aijbms-112	43	9	and	and	CCONJ
aijbms-112	43	10	business	business	NOUN
aijbms-112	43	11	ethics	ethic	NOUN
aijbms-112	43	12	.	.	PUNCT
aijbms-112	44	1	such	such	ADJ
aijbms-112	44	2	relationships	relationship	NOUN
aijbms-112	44	3	have	have	VERB
aijbms-112	44	4	expensive	expensive	ADJ
aijbms-112	44	5	agency	agency	NOUN
aijbms-112	44	6	costs	cost	NOUN
aijbms-112	44	7	that	that	PRON
aijbms-112	44	8	are	be	AUX
aijbms-112	44	9	incurred	incur	VERB
aijbms-112	44	10	so	so	SCONJ
aijbms-112	44	11	as	as	SCONJ
aijbms-112	44	12	to	to	PART
aijbms-112	44	13	sustain	sustain	VERB
aijbms-112	44	14	an	an	DET
aijbms-112	44	15	effective	effective	ADJ
aijbms-112	44	16	agency	agency	NOUN
aijbms-112	44	17	relationship	relationship	NOUN
aijbms-112	44	18	.	.	PUNCT
aijbms-112	45	1	incentive	incentive	NOUN
aijbms-112	45	2	fees	fee	NOUN
aijbms-112	45	3	paid	pay	VERB
aijbms-112	45	4	to	to	ADP
aijbms-112	45	5	agents	agent	NOUN
aijbms-112	45	6	to	to	PART
aijbms-112	45	7	encourage	encourage	VERB
aijbms-112	45	8	behavior	behavior	NOUN
aijbms-112	45	9	consistent	consistent	ADJ
aijbms-112	45	10	with	with	ADP
aijbms-112	45	11	the	the	DET
aijbms-112	45	12	principal	principal	NOUN
aijbms-112	45	13	’s	’s	PART
aijbms-112	45	14	goals	goal	NOUN
aijbms-112	45	15	are	be	AUX
aijbms-112	45	16	common	common	ADJ
aijbms-112	45	17	examples	example	NOUN
aijbms-112	45	18	of	of	ADP
aijbms-112	45	19	agency	agency	NOUN
aijbms-112	45	20	costs	cost	VERB
aijbms-112	45	21	bowie	bowie	PROPN
aijbms-112	45	22	and	and	CCONJ
aijbms-112	45	23	edward	edward	PROPN
aijbms-112	45	24	(	(	PUNCT
aijbms-112	45	25	1992	1992	NUM
aijbms-112	45	26	)	)	PUNCT
aijbms-112	45	27	.	.	PUNCT
aijbms-112	46	1	market	market	NOUN
aijbms-112	46	2	power	power	NOUN
aijbms-112	46	3	theory	theory	NOUN
aijbms-112	46	4	market	market	NOUN
aijbms-112	46	5	power	power	NOUN
aijbms-112	46	6	theory	theory	NOUN
aijbms-112	46	7	emanated	emanate	VERB
aijbms-112	46	8	from	from	ADP
aijbms-112	46	9	bain	bain	PROPN
aijbms-112	46	10	(	(	PUNCT
aijbms-112	46	11	1951	1951	NUM
aijbms-112	46	12	)	)	PUNCT
aijbms-112	46	13	.	.	PUNCT
aijbms-112	47	1	this	this	DET
aijbms-112	47	2	theory	theory	NOUN
aijbms-112	47	3	stresses	stress	VERB
aijbms-112	47	4	that	that	SCONJ
aijbms-112	47	5	an	an	DET
aijbms-112	47	6	increase	increase	NOUN
aijbms-112	47	7	in	in	ADP
aijbms-112	47	8	market	market	NOUN
aijbms-112	47	9	power	power	NOUN
aijbms-112	47	10	results	result	NOUN
aijbms-112	47	11	to	to	ADP
aijbms-112	47	12	a	a	DET
aijbms-112	47	13	monopoly	monopoly	NOUN
aijbms-112	47	14	,	,	PUNCT
aijbms-112	47	15	profits	profit	NOUN
aijbms-112	47	16	(	(	PUNCT
aijbms-112	47	17	athanasoglou	athanasoglou	PROPN
aijbms-112	47	18	,	,	PUNCT
aijbms-112	47	19	brissimis	brissimis	PROPN
aijbms-112	47	20	&	&	CCONJ
aijbms-112	47	21	delis	deli	NOUN
aijbms-112	47	22	,	,	PUNCT
aijbms-112	47	23	2005	2005	NUM
aijbms-112	47	24	)	)	PUNCT
aijbms-112	47	25	.	.	PUNCT
aijbms-112	48	1	the	the	DET
aijbms-112	48	2	theory	theory	NOUN
aijbms-112	48	3	is	be	AUX
aijbms-112	48	4	based	base	VERB
aijbms-112	48	5	on	on	ADP
aijbms-112	48	6	the	the	DET
aijbms-112	48	7	premise	premise	NOUN
aijbms-112	48	8	that	that	SCONJ
aijbms-112	48	9	concentration	concentration	NOUN
aijbms-112	48	10	of	of	ADP
aijbms-112	48	11	the	the	DET
aijbms-112	48	12	market	market	NOUN
aijbms-112	48	13	is	be	AUX
aijbms-112	48	14	a	a	DET
aijbms-112	48	15	best	good	ADJ
aijbms-112	48	16	measure	measure	NOUN
aijbms-112	48	17	for	for	ADP
aijbms-112	48	18	market	market	NOUN
aijbms-112	48	19	power	power	NOUN
aijbms-112	48	20	since	since	SCONJ
aijbms-112	48	21	more	more	ADJ
aijbms-112	48	22	concentrated	concentrated	ADJ
aijbms-112	48	23	markets	market	NOUN
aijbms-112	48	24	exhibit	exhibit	VERB
aijbms-112	48	25	superior	superior	ADJ
aijbms-112	48	26	market	market	NOUN
aijbms-112	48	27	imperfections	imperfection	NOUN
aijbms-112	48	28	facilitating	facilitate	VERB
aijbms-112	48	29	various	various	ADJ
aijbms-112	48	30	entities	entity	NOUN
aijbms-112	48	31	to	to	PART
aijbms-112	48	32	set	set	VERB
aijbms-112	48	33	prices	price	NOUN
aijbms-112	48	34	for	for	ADP
aijbms-112	48	35	their	their	PRON
aijbms-112	48	36	products	product	NOUN
aijbms-112	48	37	and	and	CCONJ
aijbms-112	48	38	services	service	NOUN
aijbms-112	48	39	at	at	ADP
aijbms-112	48	40	levels	level	NOUN
aijbms-112	48	41	which	which	PRON
aijbms-112	48	42	is	be	AUX
aijbms-112	48	43	less	less	ADV
aijbms-112	48	44	favourable	favourable	ADJ
aijbms-112	48	45	to	to	ADP
aijbms-112	48	46	their	their	PRON
aijbms-112	48	47	clients	client	NOUN
aijbms-112	48	48	or	or	CCONJ
aijbms-112	48	49	customers	customer	NOUN
aijbms-112	48	50	(	(	PUNCT
aijbms-112	48	51	punt	punt	NOUN
aijbms-112	48	52	and	and	CCONJ
aijbms-112	48	53	rooij	rooij	NOUN
aijbms-112	48	54	,	,	PUNCT
aijbms-112	48	55	2001	2001	NUM
aijbms-112	48	56	)	)	PUNCT
aijbms-112	48	57	.	.	PUNCT
aijbms-112	49	1	the	the	DET
aijbms-112	49	2	theory	theory	NOUN
aijbms-112	49	3	also	also	ADV
aijbms-112	49	4	affirms	affirm	VERB
aijbms-112	49	5	that	that	SCONJ
aijbms-112	49	6	companies	company	NOUN
aijbms-112	49	7	with	with	ADP
aijbms-112	49	8	a	a	DET
aijbms-112	49	9	large	large	ADJ
aijbms-112	49	10	market	market	NOUN
aijbms-112	49	11	share	share	NOUN
aijbms-112	49	12	and	and	CCONJ
aijbms-112	49	13	sound	sound	VERB
aijbms-112	49	14	differentiated	differentiated	ADJ
aijbms-112	49	15	products	product	NOUN
aijbms-112	49	16	and	and	CCONJ
aijbms-112	49	17	services	service	NOUN
aijbms-112	49	18	can	can	AUX
aijbms-112	49	19	easily	easily	ADV
aijbms-112	49	20	earn	earn	VERB
aijbms-112	49	21	monopolistic	monopolistic	ADJ
aijbms-112	49	22	profits	profit	NOUN
aijbms-112	49	23	and	and	CCONJ
aijbms-112	49	24	succeed	succeed	VERB
aijbms-112	49	25	or	or	CCONJ
aijbms-112	49	26	win	win	VERB
aijbms-112	49	27	against	against	ADP
aijbms-112	49	28	their	their	PRON
aijbms-112	49	29	competitors	competitor	NOUN
aijbms-112	49	30	(	(	PUNCT
aijbms-112	49	31	nkegbe&yazidu	nkegbe&yazidu	PROPN
aijbms-112	49	32	,	,	PUNCT
aijbms-112	49	33	2015	2015	NUM
aijbms-112	49	34	)	)	PUNCT
aijbms-112	49	35	.	.	PUNCT
aijbms-112	50	1	the	the	DET
aijbms-112	50	2	market	market	NOUN
aijbms-112	50	3	power	power	NOUN
aijbms-112	50	4	theory	theory	NOUN
aijbms-112	50	5	assumes	assume	VERB
aijbms-112	50	6	that	that	SCONJ
aijbms-112	50	7	extra	extra	ADJ
aijbms-112	50	8	profits	profit	NOUN
aijbms-112	50	9	results	result	VERB
aijbms-112	50	10	from	from	ADP
aijbms-112	50	11	a	a	DET
aijbms-112	50	12	higher	high	ADJ
aijbms-112	50	13	market	market	NOUN
aijbms-112	50	14	concentration	concentration	NOUN
aijbms-112	50	15	which	which	PRON
aijbms-112	50	16	allows	allow	VERB
aijbms-112	50	17	commercial	commercial	ADJ
aijbms-112	50	18	banks	bank	NOUN
aijbms-112	50	19	to	to	PART
aijbms-112	50	20	collude	collude	VERB
aijbms-112	50	21	and	and	CCONJ
aijbms-112	50	22	earn	earn	VERB
aijbms-112	50	23	supernormal	supernormal	ADJ
aijbms-112	50	24	profits	profit	NOUN
aijbms-112	50	25	which	which	PRON
aijbms-112	50	26	arise	arise	VERB
aijbms-112	50	27	due	due	ADP
aijbms-112	50	28	to	to	ADP
aijbms-112	50	29	the	the	DET
aijbms-112	50	30	firms	firm	NOUN
aijbms-112	50	31	portfolio	portfolio	NOUN
aijbms-112	50	32	of	of	ADP
aijbms-112	50	33	differentiated	differentiated	ADJ
aijbms-112	50	34	products	product	NOUN
aijbms-112	50	35	that	that	PRON
aijbms-112	50	36	also	also	ADV
aijbms-112	50	37	increases	increase	VERB
aijbms-112	50	38	the	the	DET
aijbms-112	50	39	market	market	NOUN
aijbms-112	50	40	share	share	NOUN
aijbms-112	50	41	and	and	CCONJ
aijbms-112	50	42	market	market	NOUN
aijbms-112	50	43	power	power	NOUN
aijbms-112	50	44	in	in	ADP
aijbms-112	50	45	determining	determine	VERB
aijbms-112	50	46	prices	price	NOUN
aijbms-112	50	47	for	for	ADP
aijbms-112	50	48	products	product	NOUN
aijbms-112	50	49	(	(	PUNCT
aijbms-112	50	50	mirzaei	mirzaei	ADJ
aijbms-112	50	51	,	,	PUNCT
aijbms-112	50	52	2012	2012	NUM
aijbms-112	50	53	)	)	PUNCT
aijbms-112	50	54	.	.	PUNCT
aijbms-112	51	1	efficiency	efficiency	NOUN
aijbms-112	51	2	theory	theory	NOUN
aijbms-112	51	3	the	the	DET
aijbms-112	51	4	efficiency	efficiency	NOUN
aijbms-112	51	5	theory	theory	NOUN
aijbms-112	51	6	was	be	AUX
aijbms-112	51	7	formulated	formulate	VERB
aijbms-112	51	8	by	by	ADP
aijbms-112	51	9	demsetz	demsetz	PROPN
aijbms-112	51	10	(	(	PUNCT
aijbms-112	51	11	1973	1973	NUM
aijbms-112	51	12	)	)	PUNCT
aijbms-112	51	13	as	as	ADP
aijbms-112	51	14	an	an	DET
aijbms-112	51	15	alternative	alternative	NOUN
aijbms-112	51	16	to	to	ADP
aijbms-112	51	17	the	the	DET
aijbms-112	51	18	market	market	NOUN
aijbms-112	51	19	power	power	NOUN
aijbms-112	51	20	theory	theory	NOUN
aijbms-112	51	21	.	.	PUNCT
aijbms-112	52	1	the	the	DET
aijbms-112	52	2	efficiency	efficiency	NOUN
aijbms-112	52	3	theory	theory	NOUN
aijbms-112	52	4	presupposes	presuppose	VERB
aijbms-112	52	5	that	that	SCONJ
aijbms-112	52	6	better	well	ADJ
aijbms-112	52	7	management	management	NOUN
aijbms-112	52	8	and	and	CCONJ
aijbms-112	52	9	scale	scale	NOUN
aijbms-112	52	10	efficiency	efficiency	NOUN
aijbms-112	52	11	results	result	NOUN
aijbms-112	52	12	to	to	ADP
aijbms-112	52	13	higher	high	ADJ
aijbms-112	52	14	concentration	concentration	NOUN
aijbms-112	52	15	thus	thus	ADV
aijbms-112	52	16	greater	great	ADJ
aijbms-112	52	17	and	and	CCONJ
aijbms-112	52	18	higher	high	ADJ
aijbms-112	52	19	profits	profit	NOUN
aijbms-112	52	20	.	.	PUNCT
aijbms-112	53	1	accordingly	accordingly	ADV
aijbms-112	53	2	,	,	PUNCT
aijbms-112	53	3	the	the	DET
aijbms-112	53	4	theory	theory	NOUN
aijbms-112	53	5	posits	posit	VERB
aijbms-112	53	6	that	that	SCONJ
aijbms-112	53	7	management	management	NOUN
aijbms-112	53	8	efficiency	efficiency	NOUN
aijbms-112	53	9	not	not	PART
aijbms-112	53	10	only	only	ADV
aijbms-112	53	11	increases	increase	VERB
aijbms-112	53	12	profits	profit	NOUN
aijbms-112	53	13	,	,	PUNCT
aijbms-112	53	14	but	but	CCONJ
aijbms-112	53	15	also	also	ADV
aijbms-112	53	16	results	result	VERB
aijbms-112	53	17	to	to	ADP
aijbms-112	53	18	larger	large	ADJ
aijbms-112	53	19	market	market	NOUN
aijbms-112	53	20	share	share	NOUN
aijbms-112	53	21	gains	gain	NOUN
aijbms-112	53	22	and	and	CCONJ
aijbms-112	53	23	improved	improve	VERB
aijbms-112	53	24	market	market	NOUN
aijbms-112	53	25	concentration	concentration	NOUN
aijbms-112	53	26	(	(	PUNCT
aijbms-112	53	27	athanasoglou	athanasoglou	PROPN
aijbms-112	53	28	,	,	PUNCT
aijbms-112	53	29	brissimis	brissimis	PROPN
aijbms-112	53	30	&	&	CCONJ
aijbms-112	53	31	delis	deli	NOUN
aijbms-112	53	32	,	,	PUNCT
aijbms-112	53	33	2005	2005	NUM
aijbms-112	53	34	)	)	PUNCT
aijbms-112	53	35	.	.	PUNCT
aijbms-112	54	1	the	the	DET
aijbms-112	54	2	efficiency	efficiency	NOUN
aijbms-112	54	3	theory	theory	NOUN
aijbms-112	54	4	also	also	ADV
aijbms-112	54	5	states	state	VERB
aijbms-112	54	6	that	that	SCONJ
aijbms-112	54	7	a	a	DET
aijbms-112	54	8	positive	positive	ADJ
aijbms-112	54	9	concentration	concentration	NOUN
aijbms-112	54	10	profitability	profitability	NOUN
aijbms-112	54	11	relation	relation	NOUN
aijbms-112	54	12	may	may	AUX
aijbms-112	54	13	be	be	AUX
aijbms-112	54	14	a	a	DET
aijbms-112	54	15	sign	sign	NOUN
aijbms-112	54	16	of	of	ADP
aijbms-112	54	17	a	a	DET
aijbms-112	54	18	positive	positive	ADJ
aijbms-112	54	19	connection	connection	NOUN
aijbms-112	54	20	relating	relate	VERB
aijbms-112	54	21	to	to	ADP
aijbms-112	54	22	efficiency	efficiency	NOUN
aijbms-112	54	23	and	and	CCONJ
aijbms-112	54	24	size	size	NOUN
aijbms-112	54	25	.	.	PUNCT
aijbms-112	55	1	the	the	DET
aijbms-112	55	2	theory	theory	NOUN
aijbms-112	55	3	postulates	postulate	VERB
aijbms-112	55	4	that	that	SCONJ
aijbms-112	55	5	positive	positive	ADJ
aijbms-112	55	6	association	association	NOUN
aijbms-112	55	7	between	between	ADP
aijbms-112	55	8	the	the	DET
aijbms-112	55	9	concentration	concentration	NOUN
aijbms-112	55	10	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	55	11	american	american	PROPN
aijbms-112	55	12	international	international	PROPN
aijbms-112	55	13	journal	journal	PROPN
aijbms-112	55	14	of	of	ADP
aijbms-112	55	15	business	business	NOUN
aijbms-112	55	16	and	and	CCONJ
aijbms-112	55	17	management	management	NOUN
aijbms-112	55	18	studies	study	NOUN
aijbms-112	55	19	vol	vol	NOUN
aijbms-112	55	20	.	.	PROPN
aijbms-112	55	21	1	1	NUM
aijbms-112	55	22	,	,	PUNCT
aijbms-112	55	23	no	no	INTJ
aijbms-112	55	24	.	.	NOUN
aijbms-112	55	25	1	1	NUM
aijbms-112	55	26	;	;	PUNCT
aijbms-112	55	27	2019	2019	NUM
aijbms-112	55	28	40	40	NUM
aijbms-112	55	29	and	and	CCONJ
aijbms-112	55	30	profit	profit	NOUN
aijbms-112	55	31	arise	arise	NOUN
aijbms-112	55	32	from	from	ADP
aijbms-112	55	33	a	a	DET
aijbms-112	55	34	lower	low	ADJ
aijbms-112	55	35	cost	cost	NOUN
aijbms-112	55	36	which	which	PRON
aijbms-112	55	37	is	be	AUX
aijbms-112	55	38	mainly	mainly	ADV
aijbms-112	55	39	achieved	achieve	VERB
aijbms-112	55	40	through	through	ADP
aijbms-112	55	41	production	production	NOUN
aijbms-112	55	42	efficient	efficient	ADJ
aijbms-112	55	43	practices	practice	NOUN
aijbms-112	55	44	and	and	CCONJ
aijbms-112	55	45	increased	increase	VERB
aijbms-112	55	46	managerial	managerial	ADJ
aijbms-112	55	47	process	process	NOUN
aijbms-112	55	48	(	(	PUNCT
aijbms-112	55	49	birhanu	birhanu	NOUN
aijbms-112	55	50	,	,	PUNCT
aijbms-112	55	51	2012	2012	NUM
aijbms-112	55	52	)	)	PUNCT
aijbms-112	55	53	.	.	PUNCT
aijbms-112	56	1	empirical	empirical	ADJ
aijbms-112	56	2	literature	literature	PROPN
aijbms-112	56	3	lucky	lucky	ADJ
aijbms-112	56	4	and	and	CCONJ
aijbms-112	56	5	nwosi	nwosi	PRON
aijbms-112	56	6	(	(	PUNCT
aijbms-112	56	7	2015	2015	NUM
aijbms-112	56	8	)	)	PUNCT
aijbms-112	56	9	examined	examine	VERB
aijbms-112	56	10	the	the	DET
aijbms-112	56	11	relationship	relationship	NOUN
aijbms-112	56	12	between	between	ADP
aijbms-112	56	13	asset	asset	NOUN
aijbms-112	56	14	quality	quality	NOUN
aijbms-112	56	15	and	and	CCONJ
aijbms-112	56	16	the	the	DET
aijbms-112	56	17	profitability	profitability	NOUN
aijbms-112	56	18	of	of	ADP
aijbms-112	56	19	the	the	DET
aijbms-112	56	20	fifteen	fifteen	NUM
aijbms-112	56	21	(	(	PUNCT
aijbms-112	56	22	15	15	NUM
aijbms-112	56	23	)	)	PUNCT
aijbms-112	56	24	quoted	quote	VERB
aijbms-112	56	25	commercial	commercial	ADJ
aijbms-112	56	26	banks	bank	NOUN
aijbms-112	56	27	in	in	ADP
aijbms-112	56	28	nigeria	nigeria	PROPN
aijbms-112	56	29	from	from	ADP
aijbms-112	56	30	1980	1980	NUM
aijbms-112	56	31	–	–	PUNCT
aijbms-112	56	32	2013	2013	NUM
aijbms-112	56	33	.	.	PUNCT
aijbms-112	57	1	the	the	DET
aijbms-112	57	2	objective	objective	NOUN
aijbms-112	57	3	was	be	AUX
aijbms-112	57	4	to	to	PART
aijbms-112	57	5	investigate	investigate	VERB
aijbms-112	57	6	the	the	DET
aijbms-112	57	7	relationship	relationship	NOUN
aijbms-112	57	8	between	between	ADP
aijbms-112	57	9	camels	camel	NOUN
aijbms-112	57	10	criteria	criterion	NOUN
aijbms-112	57	11	for	for	ADP
aijbms-112	57	12	asset	asset	NOUN
aijbms-112	57	13	quality	quality	NOUN
aijbms-112	57	14	and	and	CCONJ
aijbms-112	57	15	the	the	DET
aijbms-112	57	16	profitability	profitability	NOUN
aijbms-112	57	17	performance	performance	NOUN
aijbms-112	57	18	of	of	ADP
aijbms-112	57	19	nigerian	nigerian	ADJ
aijbms-112	57	20	commercial	commercial	ADJ
aijbms-112	57	21	banks	bank	NOUN
aijbms-112	57	22	.	.	PUNCT
aijbms-112	58	1	secondary	secondary	ADJ
aijbms-112	58	2	data	datum	NOUN
aijbms-112	58	3	were	be	AUX
aijbms-112	58	4	sourced	source	VERB
aijbms-112	58	5	from	from	ADP
aijbms-112	58	6	annual	annual	ADJ
aijbms-112	58	7	reports	report	NOUN
aijbms-112	58	8	of	of	ADP
aijbms-112	58	9	the	the	DET
aijbms-112	58	10	quoted	quote	VERB
aijbms-112	58	11	commercial	commercial	ADJ
aijbms-112	58	12	banks	bank	NOUN
aijbms-112	58	13	.	.	PUNCT
aijbms-112	59	1	return	return	VERB
aijbms-112	59	2	on	on	ADP
aijbms-112	59	3	investment	investment	NOUN
aijbms-112	59	4	(	(	PUNCT
aijbms-112	59	5	roi	roi	NOUN
aijbms-112	59	6	)	)	PUNCT
aijbms-112	59	7	was	be	AUX
aijbms-112	59	8	modeled	model	VERB
aijbms-112	59	9	as	as	ADP
aijbms-112	59	10	the	the	DET
aijbms-112	59	11	function	function	NOUN
aijbms-112	59	12	of	of	ADP
aijbms-112	59	13	percentage	percentage	NOUN
aijbms-112	59	14	of	of	ADP
aijbms-112	59	15	non	non	ADJ
aijbms-112	59	16	-	-	ADJ
aijbms-112	59	17	performing	performing	ADJ
aijbms-112	59	18	loans	loan	NOUN
aijbms-112	59	19	to	to	ADP
aijbms-112	59	20	total	total	ADJ
aijbms-112	59	21	loans	loan	NOUN
aijbms-112	59	22	(	(	PUNCT
aijbms-112	59	23	npl	npl	PROPN
aijbms-112	59	24	/	/	SYM
aijbms-112	59	25	tl	tl	PROPN
aijbms-112	59	26	)	)	PUNCT
aijbms-112	59	27	,	,	PUNCT
aijbms-112	59	28	percentage	percentage	NOUN
aijbms-112	59	29	of	of	ADP
aijbms-112	59	30	nonperforming	nonperforme	VERB
aijbms-112	59	31	loans	loan	NOUN
aijbms-112	59	32	to	to	ADP
aijbms-112	59	33	total	total	ADJ
aijbms-112	59	34	customers	customer	NOUN
aijbms-112	59	35	’	'	PUNCT
aijbms-112	59	36	deposit	deposit	NOUN
aijbms-112	59	37	(	(	PUNCT
aijbms-112	59	38	npl//tcd	npl//tcd	NOUN
aijbms-112	59	39	)	)	PUNCT
aijbms-112	59	40	,	,	PUNCT
aijbms-112	59	41	percentage	percentage	NOUN
aijbms-112	59	42	of	of	ADP
aijbms-112	59	43	loan	loan	NOUN
aijbms-112	59	44	loss	loss	NOUN
aijbms-112	59	45	provision	provision	NOUN
aijbms-112	59	46	to	to	PART
aijbms-112	59	47	total	total	ADJ
aijbms-112	59	48	loans	loan	NOUN
aijbms-112	59	49	(	(	PUNCT
aijbms-112	59	50	llp	llp	PROPN
aijbms-112	59	51	/	/	SYM
aijbms-112	59	52	tl	tl	PROPN
aijbms-112	59	53	)	)	PUNCT
aijbms-112	59	54	and	and	CCONJ
aijbms-112	59	55	percentage	percentage	NOUN
aijbms-112	59	56	of	of	ADP
aijbms-112	59	57	loan	loan	NOUN
aijbms-112	59	58	loss	loss	NOUN
aijbms-112	59	59	provision	provision	NOUN
aijbms-112	59	60	to	to	PART
aijbms-112	59	61	total	total	VERB
aijbms-112	59	62	asset	asset	NOUN
aijbms-112	59	63	(	(	PUNCT
aijbms-112	59	64	llp	llp	PROPN
aijbms-112	59	65	/	/	SYM
aijbms-112	59	66	ta	ta	PROPN
aijbms-112	59	67	)	)	PUNCT
aijbms-112	59	68	.	.	PUNCT
aijbms-112	60	1	multiple	multiple	ADJ
aijbms-112	60	2	regressions	regression	NOUN
aijbms-112	60	3	with	with	ADP
aijbms-112	60	4	econometric	econometric	ADJ
aijbms-112	60	5	view	view	NOUN
aijbms-112	60	6	statistical	statistical	ADJ
aijbms-112	60	7	package	package	NOUN
aijbms-112	60	8	were	be	AUX
aijbms-112	60	9	used	use	VERB
aijbms-112	60	10	as	as	ADP
aijbms-112	60	11	data	datum	NOUN
aijbms-112	60	12	analysis	analysis	NOUN
aijbms-112	60	13	method	method	NOUN
aijbms-112	60	14	.	.	PUNCT
aijbms-112	61	1	the	the	DET
aijbms-112	61	2	ordinary	ordinary	ADJ
aijbms-112	61	3	least	least	ADJ
aijbms-112	61	4	square	square	ADJ
aijbms-112	61	5	properties	property	NOUN
aijbms-112	61	6	of	of	ADP
aijbms-112	61	7	augmented	augment	VERB
aijbms-112	61	8	dickey	dickey	PROPN
aijbms-112	61	9	fuller	full	ADJ
aijbms-112	61	10	test	test	NOUN
aijbms-112	61	11	,	,	PUNCT
aijbms-112	61	12	co	co	NOUN
aijbms-112	61	13	-	-	NOUN
aijbms-112	61	14	integration	integration	NOUN
aijbms-112	61	15	and	and	CCONJ
aijbms-112	61	16	granger	granger	PROPN
aijbms-112	61	17	causality	causality	PROPN
aijbms-112	61	18	test	test	NOUN
aijbms-112	61	19	were	be	AUX
aijbms-112	61	20	employed	employ	VERB
aijbms-112	61	21	to	to	PART
aijbms-112	61	22	determine	determine	VERB
aijbms-112	61	23	the	the	DET
aijbms-112	61	24	short	short	ADJ
aijbms-112	61	25	and	and	CCONJ
aijbms-112	61	26	long	long	ADJ
aijbms-112	61	27	–	–	PUNCT
aijbms-112	61	28	run	run	NOUN
aijbms-112	61	29	relationship	relationship	NOUN
aijbms-112	61	30	between	between	ADP
aijbms-112	61	31	the	the	DET
aijbms-112	61	32	dependent	dependent	ADJ
aijbms-112	61	33	and	and	CCONJ
aijbms-112	61	34	the	the	DET
aijbms-112	61	35	independent	independent	ADJ
aijbms-112	61	36	variables	variable	NOUN
aijbms-112	61	37	.	.	PUNCT
aijbms-112	62	1	findings	finding	NOUN
aijbms-112	62	2	from	from	ADP
aijbms-112	62	3	the	the	DET
aijbms-112	62	4	regression	regression	NOUN
aijbms-112	62	5	result	result	NOUN
aijbms-112	62	6	proved	prove	VERB
aijbms-112	62	7	that	that	SCONJ
aijbms-112	62	8	percentage	percentage	NOUN
aijbms-112	62	9	of	of	ADP
aijbms-112	62	10	non	non	ADJ
aijbms-112	62	11	-	-	ADJ
aijbms-112	62	12	performing	performing	ADJ
aijbms-112	62	13	loans	loan	NOUN
aijbms-112	62	14	to	to	ADP
aijbms-112	62	15	total	total	ADJ
aijbms-112	62	16	loans	loan	NOUN
aijbms-112	62	17	and	and	CCONJ
aijbms-112	62	18	percentage	percentage	NOUN
aijbms-112	62	19	of	of	ADP
aijbms-112	62	20	nonperforming	nonperforme	VERB
aijbms-112	62	21	loans	loan	NOUN
aijbms-112	62	22	to	to	ADP
aijbms-112	62	23	total	total	ADJ
aijbms-112	62	24	customers	customer	NOUN
aijbms-112	62	25	’	'	PUNCT
aijbms-112	62	26	deposit	deposit	NOUN
aijbms-112	62	27	have	have	VERB
aijbms-112	62	28	positive	positive	ADJ
aijbms-112	62	29	relationship	relationship	NOUN
aijbms-112	62	30	with	with	ADP
aijbms-112	62	31	return	return	NOUN
aijbms-112	62	32	on	on	ADP
aijbms-112	62	33	investment	investment	NOUN
aijbms-112	62	34	while	while	SCONJ
aijbms-112	62	35	percentage	percentage	NOUN
aijbms-112	62	36	of	of	ADP
aijbms-112	62	37	loan	loan	NOUN
aijbms-112	62	38	loss	loss	NOUN
aijbms-112	62	39	provision	provision	NOUN
aijbms-112	62	40	to	to	PART
aijbms-112	62	41	total	total	VERB
aijbms-112	62	42	loans	loan	NOUN
aijbms-112	62	43	and	and	CCONJ
aijbms-112	62	44	percentage	percentage	NOUN
aijbms-112	62	45	of	of	ADP
aijbms-112	62	46	loan	loan	NOUN
aijbms-112	62	47	loss	loss	NOUN
aijbms-112	62	48	provision	provision	NOUN
aijbms-112	62	49	to	to	PART
aijbms-112	62	50	total	total	VERB
aijbms-112	62	51	asset	asset	NOUN
aijbms-112	62	52	have	have	VERB
aijbms-112	62	53	negative	negative	ADJ
aijbms-112	62	54	relationship	relationship	NOUN
aijbms-112	62	55	with	with	ADP
aijbms-112	62	56	return	return	NOUN
aijbms-112	62	57	on	on	ADP
aijbms-112	62	58	investment	investment	NOUN
aijbms-112	62	59	of	of	ADP
aijbms-112	62	60	the	the	DET
aijbms-112	62	61	commercial	commercial	ADJ
aijbms-112	62	62	banks	bank	NOUN
aijbms-112	62	63	.	.	PUNCT
aijbms-112	63	1	the	the	DET
aijbms-112	63	2	unit	unit	NOUN
aijbms-112	63	3	root	root	PROPN
aijbms-112	63	4	test	test	NOUN
aijbms-112	63	5	shows	show	VERB
aijbms-112	63	6	stationarity	stationarity	NOUN
aijbms-112	63	7	of	of	ADP
aijbms-112	63	8	the	the	DET
aijbms-112	63	9	variables	variable	NOUN
aijbms-112	63	10	in	in	ADP
aijbms-112	63	11	order	order	NOUN
aijbms-112	63	12	of	of	ADP
aijbms-112	63	13	1(1	1(1	NUM
aijbms-112	63	14	)	)	PUNCT
aijbms-112	63	15	,	,	PUNCT
aijbms-112	63	16	the	the	DET
aijbms-112	63	17	co	co	NOUN
aijbms-112	63	18	-	-	NOUN
aijbms-112	63	19	integration	integration	NOUN
aijbms-112	63	20	reveal	reveal	VERB
aijbms-112	63	21	long	long	ADJ
aijbms-112	63	22	run	run	NOUN
aijbms-112	63	23	relationship	relationship	NOUN
aijbms-112	63	24	between	between	ADP
aijbms-112	63	25	the	the	DET
aijbms-112	63	26	variables	variable	NOUN
aijbms-112	63	27	while	while	SCONJ
aijbms-112	63	28	the	the	DET
aijbms-112	63	29	granger	granger	PROPN
aijbms-112	63	30	causality	causality	NOUN
aijbms-112	63	31	reveals	reveal	VERB
aijbms-112	63	32	no	no	DET
aijbms-112	63	33	causal	causal	ADJ
aijbms-112	63	34	relationship	relationship	NOUN
aijbms-112	63	35	among	among	ADP
aijbms-112	63	36	the	the	DET
aijbms-112	63	37	variables	variable	NOUN
aijbms-112	63	38	.	.	PUNCT
aijbms-112	64	1	the	the	DET
aijbms-112	64	2	model	model	NOUN
aijbms-112	64	3	summary	summary	NOUN
aijbms-112	64	4	proved	prove	VERB
aijbms-112	64	5	that	that	SCONJ
aijbms-112	64	6	the	the	DET
aijbms-112	64	7	independent	independent	ADJ
aijbms-112	64	8	variables	variable	NOUN
aijbms-112	64	9	can	can	AUX
aijbms-112	64	10	explain	explain	VERB
aijbms-112	64	11	65.5	65.5	NUM
aijbms-112	64	12	%	%	NOUN
aijbms-112	64	13	variation	variation	NOUN
aijbms-112	64	14	on	on	ADP
aijbms-112	64	15	the	the	DET
aijbms-112	64	16	dependent	dependent	ADJ
aijbms-112	64	17	variables	variable	NOUN
aijbms-112	64	18	while	while	SCONJ
aijbms-112	64	19	the	the	DET
aijbms-112	64	20	f	f	PROPN
aijbms-112	64	21	-	-	PUNCT
aijbms-112	64	22	statistics	statistic	NOUN
aijbms-112	64	23	of	of	ADP
aijbms-112	64	24	12.508477	12.508477	NUM
aijbms-112	64	25	and	and	CCONJ
aijbms-112	64	26	the	the	DET
aijbms-112	64	27	probability	probability	NOUN
aijbms-112	64	28	of	of	ADP
aijbms-112	64	29	0.000008	0.000008	NUM
aijbms-112	64	30	proved	prove	VERB
aijbms-112	64	31	that	that	SCONJ
aijbms-112	64	32	the	the	DET
aijbms-112	64	33	model	model	NOUN
aijbms-112	64	34	is	be	AUX
aijbms-112	64	35	significant	significant	ADJ
aijbms-112	64	36	.	.	PUNCT
aijbms-112	65	1	the	the	DET
aijbms-112	65	2	study	study	NOUN
aijbms-112	65	3	concludes	conclude	VERB
aijbms-112	65	4	that	that	SCONJ
aijbms-112	65	5	there	there	PRON
aijbms-112	65	6	is	be	VERB
aijbms-112	65	7	significant	significant	ADJ
aijbms-112	65	8	relationship	relationship	NOUN
aijbms-112	65	9	between	between	ADP
aijbms-112	65	10	asset	asset	NOUN
aijbms-112	65	11	quality	quality	NOUN
aijbms-112	65	12	and	and	CCONJ
aijbms-112	65	13	the	the	DET
aijbms-112	65	14	profitability	profitability	NOUN
aijbms-112	65	15	of	of	ADP
aijbms-112	65	16	the	the	DET
aijbms-112	65	17	commercial	commercial	ADJ
aijbms-112	65	18	banks	bank	NOUN
aijbms-112	65	19	.	.	PUNCT
aijbms-112	66	1	lis	lis	PROPN
aijbms-112	66	2	,	,	PUNCT
aijbms-112	66	3	et	et	PROPN
aijbms-112	66	4	al	al	PROPN
aijbms-112	66	5	.	.	PUNCT
aijbms-112	67	1	(	(	PUNCT
aijbms-112	67	2	2000	2000	NUM
aijbms-112	67	3	)	)	PUNCT
aijbms-112	67	4	found	find	VERB
aijbms-112	67	5	that	that	SCONJ
aijbms-112	67	6	gdp	gdp	NOUN
aijbms-112	67	7	growth	growth	NOUN
aijbms-112	67	8	and	and	CCONJ
aijbms-112	67	9	bank	bank	NOUN
aijbms-112	67	10	specific	specific	ADJ
aijbms-112	67	11	characteristic	characteristic	NOUN
aijbms-112	67	12	(	(	PUNCT
aijbms-112	67	13	bank	bank	NOUN
aijbms-112	67	14	size	size	NOUN
aijbms-112	67	15	and	and	CCONJ
aijbms-112	67	16	capital	capital	NOUN
aijbms-112	67	17	)	)	PUNCT
aijbms-112	67	18	had	have	VERB
aijbms-112	67	19	negative	negative	ADJ
aijbms-112	67	20	effect	effect	NOUN
aijbms-112	67	21	on	on	ADP
aijbms-112	67	22	bank	bank	NOUN
aijbms-112	67	23	assets	asset	NOUN
aijbms-112	67	24	quality	quality	NOUN
aijbms-112	67	25	while	while	SCONJ
aijbms-112	67	26	credit	credit	NOUN
aijbms-112	67	27	growth	growth	NOUN
aijbms-112	67	28	,	,	PUNCT
aijbms-112	67	29	collateral	collateral	NOUN
aijbms-112	67	30	,	,	PUNCT
aijbms-112	67	31	net	net	ADJ
aijbms-112	67	32	interest	interest	NOUN
aijbms-112	67	33	margin	margin	NOUN
aijbms-112	67	34	,	,	PUNCT
aijbms-112	67	35	debt	debt	NOUN
aijbms-112	67	36	-	-	PUNCT
aijbms-112	67	37	equity	equity	NOUN
aijbms-112	67	38	,	,	PUNCT
aijbms-112	67	39	market	market	NOUN
aijbms-112	67	40	power	power	NOUN
aijbms-112	67	41	and	and	CCONJ
aijbms-112	67	42	regulation	regulation	NOUN
aijbms-112	67	43	regime	regime	NOUN
aijbms-112	67	44	had	have	VERB
aijbms-112	67	45	a	a	DET
aijbms-112	67	46	positive	positive	ADJ
aijbms-112	67	47	impact	impact	NOUN
aijbms-112	67	48	on	on	ADP
aijbms-112	67	49	bank	bank	NOUN
aijbms-112	67	50	assets	asset	NOUN
aijbms-112	67	51	.	.	PUNCT
aijbms-112	68	1	cantrell	cantrell	PROPN
aijbms-112	68	2	(	(	PUNCT
aijbms-112	68	3	1994	1994	NUM
aijbms-112	68	4	)	)	PUNCT
aijbms-112	68	5	pin	pin	NOUN
aijbms-112	68	6	pointed	point	VERB
aijbms-112	68	7	that	that	SCONJ
aijbms-112	68	8	asset	asset	NOUN
aijbms-112	68	9	quality	quality	NOUN
aijbms-112	68	10	is	be	AUX
aijbms-112	68	11	one	one	NUM
aijbms-112	68	12	of	of	ADP
aijbms-112	68	13	the	the	DET
aijbms-112	68	14	main	main	ADJ
aijbms-112	68	15	concerns	concern	NOUN
aijbms-112	68	16	in	in	ADP
aijbms-112	68	17	the	the	DET
aijbms-112	68	18	formula	formula	NOUN
aijbms-112	68	19	for	for	ADP
aijbms-112	68	20	evaluating	evaluate	VERB
aijbms-112	68	21	the	the	DET
aijbms-112	68	22	top	top	ADJ
aijbms-112	68	23	one	one	NUM
aijbms-112	68	24	hundred	hundred	NUM
aijbms-112	68	25	u.s	u.s	PROPN
aijbms-112	68	26	.	.	PROPN
aijbms-112	68	27	banks	bank	NOUN
aijbms-112	68	28	stated	state	VERB
aijbms-112	68	29	in	in	ADP
aijbms-112	68	30	u.s	u.s	PROPN
aijbms-112	68	31	.	.	PROPN
aijbms-112	68	32	abata	abata	PROPN
aijbms-112	68	33	(	(	PUNCT
aijbms-112	68	34	2014	2014	NUM
aijbms-112	68	35	)	)	PUNCT
aijbms-112	68	36	examined	examine	VERB
aijbms-112	68	37	assets	asset	NOUN
aijbms-112	68	38	quality	quality	NOUN
aijbms-112	68	39	and	and	CCONJ
aijbms-112	68	40	bank	bank	NOUN
aijbms-112	68	41	performance	performance	NOUN
aijbms-112	68	42	of	of	ADP
aijbms-112	68	43	six	six	NUM
aijbms-112	68	44	largest	large	ADJ
aijbms-112	68	45	banks	bank	NOUN
aijbms-112	68	46	quoted	quote	VERB
aijbms-112	68	47	in	in	ADP
aijbms-112	68	48	nigeria	nigeria	PROPN
aijbms-112	68	49	stock	stock	NOUN
aijbms-112	68	50	exchange	exchange	NOUN
aijbms-112	68	51	using	use	VERB
aijbms-112	68	52	secondary	secondary	ADJ
aijbms-112	68	53	data	datum	NOUN
aijbms-112	68	54	sourced	source	VERB
aijbms-112	68	55	from	from	ADP
aijbms-112	68	56	the	the	DET
aijbms-112	68	57	annual	annual	ADJ
aijbms-112	68	58	reports	report	NOUN
aijbms-112	68	59	of	of	ADP
aijbms-112	68	60	the	the	DET
aijbms-112	68	61	commercial	commercial	ADJ
aijbms-112	68	62	banks	bank	NOUN
aijbms-112	68	63	for	for	ADP
aijbms-112	68	64	fifteen	fifteen	NUM
aijbms-112	68	65	years	year	NOUN
aijbms-112	68	66	(	(	PUNCT
aijbms-112	68	67	1999	1999	NUM
aijbms-112	68	68	–	–	PUNCT
aijbms-112	68	69	2013	2013	NUM
aijbms-112	68	70	)	)	PUNCT
aijbms-112	68	71	.	.	PUNCT
aijbms-112	69	1	the	the	DET
aijbms-112	69	2	study	study	NOUN
aijbms-112	69	3	adopted	adopt	VERB
aijbms-112	69	4	the	the	DET
aijbms-112	69	5	use	use	NOUN
aijbms-112	69	6	of	of	ADP
aijbms-112	69	7	ratios	ratio	NOUN
aijbms-112	69	8	as	as	ADP
aijbms-112	69	9	a	a	DET
aijbms-112	69	10	measure	measure	NOUN
aijbms-112	69	11	of	of	ADP
aijbms-112	69	12	bank	bank	NOUN
aijbms-112	69	13	performance	performance	NOUN
aijbms-112	69	14	and	and	CCONJ
aijbms-112	69	15	asset	asset	NOUN
aijbms-112	69	16	quality	quality	NOUN
aijbms-112	69	17	since	since	SCONJ
aijbms-112	69	18	it	it	PRON
aijbms-112	69	19	is	be	AUX
aijbms-112	69	20	a	a	DET
aijbms-112	69	21	verifiable	verifiable	ADJ
aijbms-112	69	22	means	mean	NOUN
aijbms-112	69	23	for	for	ADP
aijbms-112	69	24	gauging	gauge	VERB
aijbms-112	69	25	the	the	DET
aijbms-112	69	26	firms	firm	NOUN
aijbms-112	69	27	level	level	NOUN
aijbms-112	69	28	activities	activity	NOUN
aijbms-112	69	29	while	while	SCONJ
aijbms-112	69	30	the	the	DET
aijbms-112	69	31	data	datum	NOUN
aijbms-112	69	32	were	be	AUX
aijbms-112	69	33	analyzed	analyze	VERB
aijbms-112	69	34	using	use	VERB
aijbms-112	69	35	the	the	DET
aijbms-112	69	36	pearson	pearson	NOUN
aijbms-112	69	37	correlation	correlation	NOUN
aijbms-112	69	38	and	and	CCONJ
aijbms-112	69	39	regression	regression	NOUN
aijbms-112	69	40	tool	tool	NOUN
aijbms-112	69	41	of	of	ADP
aijbms-112	69	42	the	the	DET
aijbms-112	69	43	spss	spss	PROPN
aijbms-112	69	44	17.0	17.0	NUM
aijbms-112	69	45	.	.	PUNCT
aijbms-112	70	1	the	the	DET
aijbms-112	70	2	findings	finding	NOUN
aijbms-112	70	3	revealed	reveal	VERB
aijbms-112	70	4	that	that	SCONJ
aijbms-112	70	5	assets	asset	NOUN
aijbms-112	70	6	quality	quality	NOUN
aijbms-112	70	7	has	have	VERB
aijbms-112	70	8	a	a	DET
aijbms-112	70	9	statistically	statistically	ADJ
aijbms-112	70	10	relationship	relationship	NOUN
aijbms-112	70	11	and	and	CCONJ
aijbms-112	70	12	influence	influence	NOUN
aijbms-112	70	13	on	on	ADP
aijbms-112	70	14	bank	bank	NOUN
aijbms-112	70	15	performance	performance	NOUN
aijbms-112	70	16	.	.	PUNCT
aijbms-112	71	1	swamy	swamy	PROPN
aijbms-112	71	2	(	(	PUNCT
aijbms-112	71	3	2015	2015	NUM
aijbms-112	71	4	)	)	PUNCT
aijbms-112	71	5	revealed	reveal	VERB
aijbms-112	71	6	that	that	SCONJ
aijbms-112	71	7	private	private	ADJ
aijbms-112	71	8	sector	sector	NOUN
aijbms-112	71	9	credit	credit	NOUN
aijbms-112	71	10	was	be	AUX
aijbms-112	71	11	found	find	VERB
aijbms-112	71	12	not	not	PART
aijbms-112	71	13	to	to	PART
aijbms-112	71	14	be	be	AUX
aijbms-112	71	15	significant	significant	ADJ
aijbms-112	71	16	in	in	ADP
aijbms-112	71	17	affecting	affect	VERB
aijbms-112	71	18	the	the	DET
aijbms-112	71	19	non	non	ADJ
aijbms-112	71	20	-	-	ADJ
aijbms-112	71	21	performing	perform	VERB
aijbms-112	71	22	assets	asset	NOUN
aijbms-112	71	23	contrary	contrary	ADJ
aijbms-112	71	24	to	to	ADP
aijbms-112	71	25	the	the	DET
aijbms-112	71	26	general	general	ADJ
aijbms-112	71	27	perception	perception	NOUN
aijbms-112	71	28	and	and	CCONJ
aijbms-112	71	29	similar	similar	ADJ
aijbms-112	71	30	in	in	ADP
aijbms-112	71	31	the	the	DET
aijbms-112	71	32	case	case	NOUN
aijbms-112	71	33	with	with	ADP
aijbms-112	71	34	rural	rural	ADJ
aijbms-112	71	35	branches	branch	NOUN
aijbms-112	71	36	implying	imply	VERB
aijbms-112	71	37	that	that	DET
aijbms-112	71	38	aversion	aversion	NOUN
aijbms-112	71	39	to	to	ADP
aijbms-112	71	40	rural	rural	ADJ
aijbms-112	71	41	credit	credit	NOUN
aijbms-112	71	42	is	be	AUX
aijbms-112	71	43	falsely	falsely	ADV
aijbms-112	71	44	founded	found	VERB
aijbms-112	71	45	perception	perception	NOUN
aijbms-112	71	46	.	.	PUNCT
aijbms-112	72	1	bad	bad	ADJ
aijbms-112	72	2	debts	debt	NOUN
aijbms-112	72	3	are	be	AUX
aijbms-112	72	4	dependent	dependent	ADJ
aijbms-112	72	5	more	more	ADV
aijbms-112	72	6	on	on	ADP
aijbms-112	72	7	the	the	DET
aijbms-112	72	8	performance	performance	NOUN
aijbms-112	72	9	of	of	ADP
aijbms-112	72	10	the	the	DET
aijbms-112	72	11	industry	industry	NOUN
aijbms-112	72	12	than	than	ADP
aijbms-112	72	13	other	other	ADJ
aijbms-112	72	14	sectors	sector	NOUN
aijbms-112	72	15	of	of	ADP
aijbms-112	72	16	the	the	DET
aijbms-112	72	17	economy	economy	NOUN
aijbms-112	72	18	.	.	PUNCT
aijbms-112	73	1	furthermore	furthermore	ADV
aijbms-112	73	2	,	,	PUNCT
aijbms-112	73	3	capital	capital	NOUN
aijbms-112	73	4	adequacy	adequacy	NOUN
aijbms-112	73	5	and	and	CCONJ
aijbms-112	73	6	investment	investment	NOUN
aijbms-112	73	7	activity	activity	NOUN
aijbms-112	73	8	significantly	significantly	ADV
aijbms-112	73	9	affect	affect	VERB
aijbms-112	73	10	the	the	DET
aijbms-112	73	11	profitability	profitability	NOUN
aijbms-112	73	12	of	of	ADP
aijbms-112	73	13	commercial	commercial	ADJ
aijbms-112	73	14	banks	bank	NOUN
aijbms-112	73	15	apart	apart	ADV
aijbms-112	73	16	from	from	ADP
aijbms-112	73	17	other	other	ADJ
aijbms-112	73	18	accepted	accept	VERB
aijbms-112	73	19	determinants	determinant	NOUN
aijbms-112	73	20	of	of	ADP
aijbms-112	73	21	profitability	profitability	NOUN
aijbms-112	73	22	;	;	PUNCT
aijbms-112	73	23	assets	asset	NOUN
aijbms-112	73	24	size	size	NOUN
aijbms-112	73	25	has	have	VERB
aijbms-112	73	26	no	no	DET
aijbms-112	73	27	significant	significant	ADJ
aijbms-112	73	28	impact	impact	NOUN
aijbms-112	73	29	on	on	ADP
aijbms-112	73	30	profitability	profitability	NOUN
aijbms-112	73	31	.	.	PUNCT
aijbms-112	74	1	literature	literature	NOUN
aijbms-112	74	2	gap	gap	NOUN
aijbms-112	74	3	so	so	ADV
aijbms-112	74	4	far	far	ADV
aijbms-112	74	5	we	we	PRON
aijbms-112	74	6	have	have	AUX
aijbms-112	74	7	reviewed	review	VERB
aijbms-112	74	8	the	the	DET
aijbms-112	74	9	literature	literature	NOUN
aijbms-112	74	10	on	on	ADP
aijbms-112	74	11	the	the	DET
aijbms-112	74	12	effect	effect	NOUN
aijbms-112	74	13	of	of	ADP
aijbms-112	74	14	asset	asset	NOUN
aijbms-112	74	15	quality	quality	NOUN
aijbms-112	74	16	and	and	CCONJ
aijbms-112	74	17	profitability	profitability	NOUN
aijbms-112	74	18	of	of	ADP
aijbms-112	74	19	banking	banking	NOUN
aijbms-112	74	20	institution	institution	NOUN
aijbms-112	74	21	in	in	ADP
aijbms-112	74	22	different	different	ADJ
aijbms-112	74	23	countries	country	NOUN
aijbms-112	74	24	.	.	PUNCT
aijbms-112	75	1	some	some	PRON
aijbms-112	75	2	of	of	ADP
aijbms-112	75	3	the	the	DET
aijbms-112	75	4	studies	study	NOUN
aijbms-112	75	5	reviewed	review	VERB
aijbms-112	75	6	were	be	AUX
aijbms-112	75	7	cross	cross	ADJ
aijbms-112	75	8	-	-	NOUN
aijbms-112	75	9	country	country	NOUN
aijbms-112	75	10	while	while	SCONJ
aijbms-112	75	11	others	other	NOUN
aijbms-112	75	12	were	be	AUX
aijbms-112	75	13	country	country	NOUN
aijbms-112	75	14	-	-	PUNCT
aijbms-112	75	15	specific	specific	ADJ
aijbms-112	75	16	.	.	PUNCT
aijbms-112	76	1	however	however	ADV
aijbms-112	76	2	,	,	PUNCT
aijbms-112	76	3	vast	vast	ADJ
aijbms-112	76	4	of	of	ADP
aijbms-112	76	5	studies	study	NOUN
aijbms-112	76	6	on	on	ADP
aijbms-112	76	7	the	the	DET
aijbms-112	76	8	effect	effect	NOUN
aijbms-112	76	9	of	of	ADP
aijbms-112	76	10	credit	credit	NOUN
aijbms-112	76	11	risk	risk	NOUN
aijbms-112	76	12	or	or	CCONJ
aijbms-112	76	13	non	non	ADJ
aijbms-112	76	14	performing	perform	VERB
aijbms-112	76	15	loan	loan	NOUN
aijbms-112	76	16	and	and	CCONJ
aijbms-112	76	17	performance	performance	NOUN
aijbms-112	76	18	of	of	ADP
aijbms-112	76	19	banking	banking	NOUN
aijbms-112	76	20	institutions	institution	NOUN
aijbms-112	76	21	in	in	ADP
aijbms-112	76	22	nigeria	nigeria	PROPN
aijbms-112	76	23	have	have	AUX
aijbms-112	76	24	well	well	ADV
aijbms-112	76	25	been	be	AUX
aijbms-112	76	26	documented	document	VERB
aijbms-112	76	27	from	from	ADP
aijbms-112	76	28	both	both	CCONJ
aijbms-112	76	29	theoretical	theoretical	ADJ
aijbms-112	76	30	and	and	CCONJ
aijbms-112	76	31	empirical	empirical	ADJ
aijbms-112	76	32	perspectives	perspective	NOUN
aijbms-112	76	33	with	with	ADP
aijbms-112	76	34	the	the	DET
aijbms-112	76	35	help	help	NOUN
aijbms-112	76	36	of	of	ADP
aijbms-112	76	37	regression	regression	NOUN
aijbms-112	76	38	estimation	estimation	NOUN
aijbms-112	76	39	techniques	technique	NOUN
aijbms-112	76	40	.	.	PUNCT
aijbms-112	77	1	but	but	CCONJ
aijbms-112	77	2	to	to	ADP
aijbms-112	77	3	the	the	DET
aijbms-112	77	4	best	good	ADJ
aijbms-112	77	5	knowledge	knowledge	NOUN
aijbms-112	77	6	of	of	ADP
aijbms-112	77	7	the	the	DET
aijbms-112	77	8	researcher	researcher	NOUN
aijbms-112	77	9	very	very	ADV
aijbms-112	77	10	fragmented	fragmented	ADJ
aijbms-112	77	11	studies	study	NOUN
aijbms-112	77	12	of	of	ADP
aijbms-112	77	13	citable	citable	ADJ
aijbms-112	77	14	significance	significance	NOUN
aijbms-112	77	15	have	have	AUX
aijbms-112	77	16	dealt	deal	VERB
aijbms-112	77	17	on	on	ADP
aijbms-112	77	18	the	the	DET
aijbms-112	77	19	problem	problem	NOUN
aijbms-112	77	20	of	of	ADP
aijbms-112	77	21	asset	asset	NOUN
aijbms-112	77	22	quality	quality	NOUN
aijbms-112	77	23	and	and	CCONJ
aijbms-112	77	24	deposit	deposit	NOUN
aijbms-112	77	25	money	money	NOUN
aijbms-112	77	26	banks	bank	NOUN
aijbms-112	77	27	(	(	PUNCT
aijbms-112	77	28	dmbs	dmb	NOUN
aijbms-112	77	29	)	)	PUNCT
aijbms-112	77	30	performance	performance	NOUN
aijbms-112	77	31	in	in	ADP
aijbms-112	77	32	nigeria	nigeria	PROPN
aijbms-112	77	33	.	.	PUNCT
aijbms-112	78	1	such	such	ADJ
aijbms-112	78	2	as	as	ADP
aijbms-112	78	3	abata	abata	NOUN
aijbms-112	78	4	,	,	PUNCT
aijbms-112	78	5	2014	2014	NUM
aijbms-112	78	6	and	and	CCONJ
aijbms-112	78	7	lucky	lucky	PROPN
aijbms-112	78	8	&	&	CCONJ
aijbms-112	78	9	nwosi	nwosi	PROPN
aijbms-112	78	10	,	,	PUNCT
aijbms-112	78	11	2015	2015	NUM
aijbms-112	78	12	who	who	PRON
aijbms-112	78	13	only	only	ADV
aijbms-112	78	14	studied	study	VERB
aijbms-112	78	15	assets	asset	NOUN
aijbms-112	78	16	quality	quality	NOUN
aijbms-112	78	17	and	and	CCONJ
aijbms-112	78	18	performance	performance	NOUN
aijbms-112	78	19	of	of	ADP
aijbms-112	78	20	selected	select	VERB
aijbms-112	78	21	commercial	commercial	ADJ
aijbms-112	78	22	banks	bank	NOUN
aijbms-112	78	23	quoted	quote	VERB
aijbms-112	78	24	on	on	ADP
aijbms-112	78	25	the	the	DET
aijbms-112	78	26	nigeria	nigeria	PROPN
aijbms-112	78	27	stock	stock	PROPN
aijbms-112	78	28	exchange	exchange	PROPN
aijbms-112	78	29	.	.	PUNCT
aijbms-112	79	1	therefore	therefore	ADV
aijbms-112	79	2	,	,	PUNCT
aijbms-112	79	3	the	the	DET
aijbms-112	79	4	study	study	NOUN
aijbms-112	79	5	is	be	AUX
aijbms-112	79	6	embarked	embark	VERB
aijbms-112	79	7	on	on	ADP
aijbms-112	79	8	to	to	PART
aijbms-112	79	9	examine	examine	VERB
aijbms-112	79	10	the	the	DET
aijbms-112	79	11	effect	effect	NOUN
aijbms-112	79	12	of	of	ADP
aijbms-112	79	13	asset	asset	NOUN
aijbms-112	79	14	quality	quality	NOUN
aijbms-112	79	15	on	on	ADP
aijbms-112	79	16	performance	performance	NOUN
aijbms-112	79	17	of	of	ADP
aijbms-112	79	18	deposit	deposit	NOUN
aijbms-112	79	19	money	money	NOUN
aijbms-112	79	20	banks	bank	NOUN
aijbms-112	79	21	in	in	ADP
aijbms-112	79	22	nigeria	nigeria	PROPN
aijbms-112	79	23	using	use	VERB
aijbms-112	79	24	the	the	DET
aijbms-112	79	25	estimation	estimation	NOUN
aijbms-112	79	26	of	of	ADP
aijbms-112	79	27	the	the	DET
aijbms-112	79	28	ordinary	ordinary	ADJ
aijbms-112	79	29	least	least	ADJ
aijbms-112	79	30	square	square	ADJ
aijbms-112	79	31	technique	technique	NOUN
aijbms-112	79	32	.	.	PUNCT
aijbms-112	80	1	since	since	SCONJ
aijbms-112	80	2	the	the	DET
aijbms-112	80	3	ols	ol	NOUN
aijbms-112	80	4	technique	technique	NOUN
aijbms-112	80	5	have	have	AUX
aijbms-112	80	6	become	become	VERB
aijbms-112	80	7	very	very	ADV
aijbms-112	80	8	popular	popular	ADJ
aijbms-112	80	9	estimation	estimation	NOUN
aijbms-112	80	10	techniques	technique	NOUN
aijbms-112	80	11	in	in	ADP
aijbms-112	80	12	investigating	investigate	VERB
aijbms-112	80	13	the	the	DET
aijbms-112	80	14	nature	nature	NOUN
aijbms-112	80	15	of	of	ADP
aijbms-112	80	16	the	the	DET
aijbms-112	80	17	link	link	NOUN
aijbms-112	80	18	and	and	CCONJ
aijbms-112	80	19	the	the	DET
aijbms-112	80	20	velocity	velocity	NOUN
aijbms-112	80	21	of	of	ADP
aijbms-112	80	22	adjustment	adjustment	NOUN
aijbms-112	80	23	in	in	ADP
aijbms-112	80	24	each	each	PRON
aijbms-112	80	25	of	of	ADP
aijbms-112	80	26	the	the	DET
aijbms-112	80	27	variables	variable	NOUN
aijbms-112	80	28	under	under	ADP
aijbms-112	80	29	study	study	NOUN
aijbms-112	80	30	.	.	PUNCT
aijbms-112	81	1	therefore	therefore	ADV
aijbms-112	81	2	,	,	PUNCT
aijbms-112	81	3	it	it	PRON
aijbms-112	81	4	is	be	AUX
aijbms-112	81	5	important	important	ADJ
aijbms-112	81	6	we	we	PRON
aijbms-112	81	7	used	use	VERB
aijbms-112	81	8	this	this	DET
aijbms-112	81	9	estimation	estimation	NOUN
aijbms-112	81	10	tool	tool	NOUN
aijbms-112	81	11	to	to	PART
aijbms-112	81	12	bridge	bridge	VERB
aijbms-112	81	13	the	the	DET
aijbms-112	81	14	knowledge	knowledge	NOUN
aijbms-112	81	15	gap	gap	NOUN
aijbms-112	81	16	and	and	CCONJ
aijbms-112	81	17	to	to	PART
aijbms-112	81	18	find	find	VERB
aijbms-112	81	19	another	another	DET
aijbms-112	81	20	perspective	perspective	NOUN
aijbms-112	81	21	.	.	PUNCT
aijbms-112	82	1	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	PROPN
aijbms-112	82	2	american	american	PROPN
aijbms-112	82	3	international	international	PROPN
aijbms-112	82	4	journal	journal	PROPN
aijbms-112	82	5	of	of	ADP
aijbms-112	82	6	business	business	NOUN
aijbms-112	82	7	and	and	CCONJ
aijbms-112	82	8	management	management	NOUN
aijbms-112	82	9	studies	study	NOUN
aijbms-112	82	10	vol	vol	NOUN
aijbms-112	82	11	.	.	PROPN
aijbms-112	83	1	1	1	NUM
aijbms-112	83	2	,	,	PUNCT
aijbms-112	83	3	no	no	INTJ
aijbms-112	83	4	.	.	NOUN
aijbms-112	83	5	1	1	NUM
aijbms-112	83	6	;	;	PUNCT
aijbms-112	83	7	2019	2019	NUM
aijbms-112	83	8	41	41	NUM
aijbms-112	83	9	research	research	NOUN
aijbms-112	83	10	methodology	methodology	NOUN
aijbms-112	83	11	the	the	DET
aijbms-112	83	12	study	study	NOUN
aijbms-112	83	13	adopted	adopt	VERB
aijbms-112	83	14	the	the	DET
aijbms-112	83	15	quasi	quasi	ADJ
aijbms-112	83	16	-	-	ADJ
aijbms-112	83	17	experimental	experimental	ADJ
aijbms-112	83	18	research	research	NOUN
aijbms-112	83	19	design	design	NOUN
aijbms-112	83	20	.	.	PUNCT
aijbms-112	84	1	target	target	NOUN
aijbms-112	84	2	population	population	NOUN
aijbms-112	84	3	is	be	AUX
aijbms-112	84	4	the	the	DET
aijbms-112	84	5	specific	specific	ADJ
aijbms-112	84	6	population	population	NOUN
aijbms-112	84	7	from	from	ADP
aijbms-112	84	8	which	which	PRON
aijbms-112	84	9	information	information	NOUN
aijbms-112	84	10	is	be	AUX
aijbms-112	84	11	required	require	VERB
aijbms-112	84	12	.	.	PUNCT
aijbms-112	85	1	the	the	DET
aijbms-112	85	2	population	population	NOUN
aijbms-112	85	3	of	of	ADP
aijbms-112	85	4	this	this	DET
aijbms-112	85	5	study	study	NOUN
aijbms-112	85	6	comprised	comprise	VERB
aijbms-112	85	7	of	of	ADP
aijbms-112	85	8	all	all	DET
aijbms-112	85	9	the	the	DET
aijbms-112	85	10	financial	financial	ADJ
aijbms-112	85	11	institutions	institution	NOUN
aijbms-112	85	12	operating	operate	VERB
aijbms-112	85	13	in	in	ADP
aijbms-112	85	14	nigeria	nigeria	PROPN
aijbms-112	85	15	.	.	PUNCT
aijbms-112	86	1	the	the	DET
aijbms-112	86	2	data	datum	NOUN
aijbms-112	86	3	for	for	ADP
aijbms-112	86	4	this	this	DET
aijbms-112	86	5	study	study	NOUN
aijbms-112	86	6	are	be	AUX
aijbms-112	86	7	time	time	NOUN
aijbms-112	86	8	series	series	PROPN
aijbms-112	86	9	data	datum	NOUN
aijbms-112	86	10	ranging	range	VERB
aijbms-112	86	11	from	from	ADP
aijbms-112	86	12	1986	1986	NUM
aijbms-112	86	13	–	–	PUNCT
aijbms-112	86	14	2016	2016	NUM
aijbms-112	86	15	.	.	PUNCT
aijbms-112	87	1	the	the	DET
aijbms-112	87	2	data	datum	NOUN
aijbms-112	87	3	consist	consist	VERB
aijbms-112	87	4	of	of	ADP
aijbms-112	87	5	yearly	yearly	ADJ
aijbms-112	87	6	data	datum	NOUN
aijbms-112	87	7	of	of	ADP
aijbms-112	87	8	one	one	NUM
aijbms-112	87	9	dependent	dependent	ADJ
aijbms-112	87	10	variables	variable	NOUN
aijbms-112	87	11	of	of	ADP
aijbms-112	87	12	return	return	NOUN
aijbms-112	87	13	on	on	ADP
aijbms-112	87	14	assets	asset	NOUN
aijbms-112	87	15	and	and	CCONJ
aijbms-112	87	16	three	three	NUM
aijbms-112	87	17	independent	independent	ADJ
aijbms-112	87	18	variable	variable	NOUN
aijbms-112	87	19	of	of	ADP
aijbms-112	87	20	banking	banking	NOUN
aijbms-112	87	21	system	system	NOUN
aijbms-112	87	22	assets	asset	NOUN
aijbms-112	87	23	quality	quality	NOUN
aijbms-112	87	24	indicators	indicator	NOUN
aijbms-112	87	25	.	.	PUNCT
aijbms-112	88	1	model	model	NOUN
aijbms-112	88	2	specification	specification	NOUN
aijbms-112	88	3	following	follow	VERB
aijbms-112	88	4	the	the	DET
aijbms-112	88	5	previous	previous	ADJ
aijbms-112	88	6	works	work	NOUN
aijbms-112	88	7	of	of	ADP
aijbms-112	88	8	abata	abata	NOUN
aijbms-112	88	9	,	,	PUNCT
aijbms-112	88	10	(	(	PUNCT
aijbms-112	88	11	2014	2014	NUM
aijbms-112	88	12	)	)	PUNCT
aijbms-112	88	13	and	and	CCONJ
aijbms-112	88	14	swamy	swamy	PROPN
aijbms-112	88	15	,	,	PUNCT
aijbms-112	88	16	(	(	PUNCT
aijbms-112	88	17	2015	2015	NUM
aijbms-112	88	18	)	)	PUNCT
aijbms-112	88	19	we	we	PRON
aijbms-112	88	20	model	model	VERB
aijbms-112	88	21	the	the	DET
aijbms-112	88	22	relationship	relationship	NOUN
aijbms-112	88	23	between	between	ADP
aijbms-112	88	24	asset	asset	NOUN
aijbms-112	88	25	quality	quality	NOUN
aijbms-112	88	26	and	and	CCONJ
aijbms-112	88	27	profitability	profitability	NOUN
aijbms-112	88	28	of	of	ADP
aijbms-112	88	29	deposit	deposit	NOUN
aijbms-112	88	30	money	money	NOUN
aijbms-112	88	31	banks	bank	NOUN
aijbms-112	88	32	in	in	ADP
aijbms-112	88	33	nigeria	nigeria	PROPN
aijbms-112	88	34	as	as	SCONJ
aijbms-112	88	35	follow	follow	VERB
aijbms-112	88	36	:	:	PUNCT
aijbms-112	88	37	(	(	PUNCT
aijbms-112	88	38	3.1	3.1	NUM
aijbms-112	88	39	)	)	PUNCT
aijbms-112	88	40	to	to	PART
aijbms-112	88	41	have	have	VERB
aijbms-112	88	42	the	the	DET
aijbms-112	88	43	estimable	estimable	ADJ
aijbms-112	88	44	version	version	NOUN
aijbms-112	88	45	of	of	ADP
aijbms-112	88	46	above	above	ADP
aijbms-112	88	47	equation	equation	NOUN
aijbms-112	88	48	,	,	PUNCT
aijbms-112	88	49	equation	equation	NOUN
aijbms-112	88	50	(	(	PUNCT
aijbms-112	88	51	10	10	NUM
aijbms-112	88	52	)	)	PUNCT
aijbms-112	88	53	can	can	AUX
aijbms-112	88	54	be	be	AUX
aijbms-112	88	55	rewritten	rewrite	VERB
aijbms-112	88	56	to	to	PART
aijbms-112	88	57	have	have	VERB
aijbms-112	88	58	(	(	PUNCT
aijbms-112	88	59	3.2	3.2	NUM
aijbms-112	88	60	)	)	PUNCT
aijbms-112	88	61	where	where	SCONJ
aijbms-112	88	62	roa	roa	NOUN
aijbms-112	88	63	=	=	NOUN
aijbms-112	88	64	return	return	NOUN
aijbms-112	88	65	on	on	ADP
aijbms-112	88	66	assets	asset	NOUN
aijbms-112	88	67	npl	npl	NOUN
aijbms-112	88	68	=	=	SYM
aijbms-112	88	69	non	non	ADJ
aijbms-112	88	70	-	-	ADJ
aijbms-112	88	71	performing	performing	ADJ
aijbms-112	88	72	loans	loan	NOUN
aijbms-112	88	73	to	to	ADP
aijbms-112	88	74	total	total	ADJ
aijbms-112	88	75	loans	loan	NOUN
aijbms-112	88	76	las	las	NOUN
aijbms-112	88	77	=	=	NOUN
aijbms-112	88	78	liquid	liquid	ADJ
aijbms-112	88	79	assets	asset	NOUN
aijbms-112	88	80	(	(	PUNCT
aijbms-112	88	81	core	core	NOUN
aijbms-112	88	82	)	)	PUNCT
aijbms-112	88	83	to	to	ADP
aijbms-112	88	84	total	total	ADJ
aijbms-112	88	85	assets	asset	NOUN
aijbms-112	88	86	lsa	lsa	NOUN
aijbms-112	88	87	=	=	NOUN
aijbms-112	88	88	liquid	liquid	ADJ
aijbms-112	88	89	assets	asset	NOUN
aijbms-112	88	90	(	(	PUNCT
aijbms-112	88	91	core	core	NOUN
aijbms-112	88	92	)	)	PUNCT
aijbms-112	88	93	to	to	ADP
aijbms-112	88	94	short	short	ADJ
aijbms-112	88	95	term	term	NOUN
aijbms-112	88	96	liabilities	liability	NOUN
aijbms-112	88	97			NOUN
aijbms-112	88	98	00	00	NOUN
aijbms-112	88	99	=	=	SYM
aijbms-112	88	100	constant	constant	ADJ
aijbms-112	88	101			NOUN
aijbms-112	88	102	1	1	NUM
aijbms-112	88	103			PROPN
aijbms-112	88	104	3	3	NUM
aijbms-112	88	105	=	=	NOUN
aijbms-112	88	106	coefficients	coefficient	NOUN
aijbms-112	88	107	of	of	ADP
aijbms-112	88	108	independent	independent	ADJ
aijbms-112	88	109	variables	variable	NOUN
aijbms-112	88	110			NOUN
aijbms-112	88	111	it	it	PRON
aijbms-112	89	1	=	=	NOUN
aijbms-112	89	2	error	error	NOUN
aijbms-112	89	3	term	term	NOUN
aijbms-112	89	4	techniques	technique	NOUN
aijbms-112	89	5	of	of	ADP
aijbms-112	89	6	analysis	analysis	NOUN
aijbms-112	89	7	ordinary	ordinary	ADJ
aijbms-112	89	8	least	least	ADJ
aijbms-112	89	9	square	square	ADJ
aijbms-112	89	10	regression	regression	NOUN
aijbms-112	89	11	analysis	analysis	NOUN
aijbms-112	89	12	ordinary	ordinary	ADJ
aijbms-112	89	13	least	least	ADJ
aijbms-112	89	14	squares	square	NOUN
aijbms-112	89	15	(	(	PUNCT
aijbms-112	89	16	ols)is	ols)is	VERB
aijbms-112	89	17	a	a	DET
aijbms-112	89	18	method	method	NOUN
aijbms-112	89	19	for	for	ADP
aijbms-112	89	20	estimating	estimate	VERB
aijbms-112	89	21	the	the	DET
aijbms-112	89	22	unknown	unknown	ADJ
aijbms-112	89	23	parameters	parameter	NOUN
aijbms-112	89	24	in	in	ADP
aijbms-112	89	25	a	a	DET
aijbms-112	89	26	linear	linear	ADJ
aijbms-112	89	27	regression	regression	NOUN
aijbms-112	89	28	model	model	NOUN
aijbms-112	89	29	.	.	PUNCT
aijbms-112	90	1	hutcheson	hutcheson	PROPN
aijbms-112	90	2	(	(	PUNCT
aijbms-112	90	3	2011	2011	NUM
aijbms-112	90	4	)	)	PUNCT
aijbms-112	90	5	defined	define	VERB
aijbms-112	90	6	ordinary	ordinary	ADJ
aijbms-112	90	7	least	least	ADJ
aijbms-112	90	8	square	square	ADJ
aijbms-112	90	9	(	(	PUNCT
aijbms-112	90	10	ols	ol	NOUN
aijbms-112	90	11	)	)	PUNCT
aijbms-112	90	12	regression	regression	NOUN
aijbms-112	90	13	as	as	ADP
aijbms-112	90	14	a	a	DET
aijbms-112	90	15	generalized	generalized	ADJ
aijbms-112	90	16	linear	linear	NOUN
aijbms-112	90	17	modeling	modeling	NOUN
aijbms-112	90	18	technique	technique	NOUN
aijbms-112	90	19	that	that	PRON
aijbms-112	90	20	may	may	AUX
aijbms-112	90	21	be	be	AUX
aijbms-112	90	22	used	use	VERB
aijbms-112	90	23	to	to	PART
aijbms-112	90	24	model	model	VERB
aijbms-112	90	25	a	a	DET
aijbms-112	90	26	single	single	ADJ
aijbms-112	90	27	response	response	NOUN
aijbms-112	90	28	variable	variable	NOUN
aijbms-112	90	29	which	which	PRON
aijbms-112	90	30	has	have	AUX
aijbms-112	90	31	been	be	AUX
aijbms-112	90	32	recorded	record	VERB
aijbms-112	90	33	on	on	ADP
aijbms-112	90	34	at	at	ADV
aijbms-112	90	35	least	least	ADJ
aijbms-112	90	36	an	an	DET
aijbms-112	90	37	interval	interval	NOUN
aijbms-112	90	38	scale	scale	NOUN
aijbms-112	90	39	.	.	PUNCT
aijbms-112	91	1	this	this	DET
aijbms-112	91	2	method	method	NOUN
aijbms-112	91	3	minimizes	minimize	VERB
aijbms-112	91	4	the	the	DET
aijbms-112	91	5	sum	sum	NOUN
aijbms-112	91	6	of	of	ADP
aijbms-112	91	7	squared	square	VERB
aijbms-112	91	8	vertical	vertical	ADJ
aijbms-112	91	9	distances	distance	NOUN
aijbms-112	91	10	between	between	ADP
aijbms-112	91	11	the	the	DET
aijbms-112	91	12	observed	observe	VERB
aijbms-112	91	13	responses	response	NOUN
aijbms-112	91	14	in	in	ADP
aijbms-112	91	15	the	the	DET
aijbms-112	91	16	dataset	dataset	NOUN
aijbms-112	91	17	and	and	CCONJ
aijbms-112	91	18	the	the	DET
aijbms-112	91	19	responses	response	NOUN
aijbms-112	91	20	predicted	predict	VERB
aijbms-112	91	21	by	by	ADP
aijbms-112	91	22	the	the	DET
aijbms-112	91	23	linear	linear	PROPN
aijbms-112	91	24	approximation	approximation	NOUN
aijbms-112	91	25	.	.	PUNCT
aijbms-112	92	1	unit	unit	NOUN
aijbms-112	92	2	root	root	PROPN
aijbms-112	92	3	test	test	NOUN
aijbms-112	92	4	a	a	DET
aijbms-112	92	5	unit	unit	NOUN
aijbms-112	92	6	root	root	NOUN
aijbms-112	92	7	test	test	NOUN
aijbms-112	92	8	is	be	AUX
aijbms-112	92	9	a	a	DET
aijbms-112	92	10	statistical	statistical	ADJ
aijbms-112	92	11	test	test	NOUN
aijbms-112	92	12	for	for	ADP
aijbms-112	92	13	the	the	DET
aijbms-112	92	14	proposition	proposition	NOUN
aijbms-112	92	15	that	that	SCONJ
aijbms-112	92	16	in	in	ADP
aijbms-112	92	17	a	a	DET
aijbms-112	92	18	autoregressive	autoregressive	ADJ
aijbms-112	92	19	statistical	statistical	ADJ
aijbms-112	92	20	model	model	NOUN
aijbms-112	92	21	of	of	ADP
aijbms-112	92	22	a	a	DET
aijbms-112	92	23	time	time	NOUN
aijbms-112	92	24	series	series	NOUN
aijbms-112	92	25	,	,	PUNCT
aijbms-112	92	26	the	the	DET
aijbms-112	92	27	autoregressive	autoregressive	ADJ
aijbms-112	92	28	parameter	parameter	NOUN
aijbms-112	92	29	is	be	AUX
aijbms-112	92	30	one	one	NUM
aijbms-112	92	31	.	.	PUNCT
aijbms-112	93	1	(	(	PUNCT
aijbms-112	93	2	econtermsy(t	econtermsy(t	NOUN
aijbms-112	93	3	)	)	PUNCT
aijbms-112	93	4	,	,	PUNCT
aijbms-112	93	5	where	where	SCONJ
aijbms-112	93	6	t	t	PROPN
aijbms-112	93	7	a	a	DET
aijbms-112	93	8	whole	whole	ADJ
aijbms-112	93	9	number	number	NOUN
aijbms-112	93	10	,	,	PUNCT
aijbms-112	93	11	modeled	model	VERB
aijbms-112	93	12	by	by	ADP
aijbms-112	93	13	:	:	PUNCT
aijbms-112	93	14	y(t+1	y(t+1	NUM
aijbms-112	93	15	)	)	PUNCT
aijbms-112	93	16	=	=	PUNCT
aijbms-112	93	17	ay(t	ay(t	PUNCT
aijbms-112	93	18	)	)	PUNCT
aijbms-112	94	1	+	+	CCONJ
aijbms-112	94	2	other	other	ADJ
aijbms-112	94	3	terms	term	NOUN
aijbms-112	94	4	where	where	SCONJ
aijbms-112	94	5	a	a	PRON
aijbms-112	94	6	is	be	AUX
aijbms-112	94	7	an	an	DET
aijbms-112	94	8	unknown	unknown	ADJ
aijbms-112	94	9	constant	constant	NOUN
aijbms-112	94	10	,	,	PUNCT
aijbms-112	94	11	a	a	DET
aijbms-112	94	12	unit	unit	NOUN
aijbms-112	94	13	root	root	NOUN
aijbms-112	94	14	test	test	NOUN
aijbms-112	94	15	would	would	AUX
aijbms-112	94	16	be	be	AUX
aijbms-112	94	17	a	a	DET
aijbms-112	94	18	test	test	NOUN
aijbms-112	94	19	of	of	ADP
aijbms-112	94	20	the	the	DET
aijbms-112	94	21	hypothesis	hypothesis	NOUN
aijbms-112	94	22	that	that	PRON
aijbms-112	94	23	a=1	a=1	ADP
aijbms-112	94	24	,	,	PUNCT
aijbms-112	94	25	usually	usually	ADV
aijbms-112	94	26	against	against	ADP
aijbms-112	94	27	the	the	DET
aijbms-112	94	28	alternative	alternative	NOUN
aijbms-112	94	29	that	that	PRON
aijbms-112	94	30	|a|	|a|	NOUN
aijbms-112	94	31	is	be	AUX
aijbms-112	94	32	less	less	ADJ
aijbms-112	94	33	than	than	ADP
aijbms-112	94	34	1	1	NUM
aijbms-112	94	35	.	.	PUNCT
aijbms-112	95	1	mackinnon	mackinnon	PROPN
aijbms-112	95	2	critical	critical	ADJ
aijbms-112	95	3	value	value	NOUN
aijbms-112	95	4	.	.	PUNCT
aijbms-112	96	1	cointegration	cointegration	NOUN
aijbms-112	96	2	test	test	NOUN
aijbms-112	96	3	cointegration	cointegration	NOUN
aijbms-112	96	4	is	be	AUX
aijbms-112	96	5	a	a	DET
aijbms-112	96	6	statistical	statistical	ADJ
aijbms-112	96	7	property	property	NOUN
aijbms-112	96	8	of	of	ADP
aijbms-112	96	9	time	time	NOUN
aijbms-112	96	10	series	series	PROPN
aijbms-112	96	11	variables	variable	NOUN
aijbms-112	96	12	.	.	PUNCT
aijbms-112	97	1	in	in	ADP
aijbms-112	97	2	a	a	DET
aijbms-112	97	3	situation	situation	NOUN
aijbms-112	97	4	where	where	SCONJ
aijbms-112	97	5	two	two	NUM
aijbms-112	97	6	or	or	CCONJ
aijbms-112	97	7	more	more	ADJ
aijbms-112	97	8	series	serie	NOUN
aijbms-112	97	9	are	be	AUX
aijbms-112	97	10	individually	individually	ADV
aijbms-112	97	11	integrated	integrate	VERB
aijbms-112	97	12	(	(	PUNCT
aijbms-112	97	13	in	in	ADP
aijbms-112	97	14	the	the	DET
aijbms-112	97	15	time	time	NOUN
aijbms-112	97	16	series	series	PROPN
aijbms-112	97	17	sense	sense	NOUN
aijbms-112	97	18	)	)	PUNCT
aijbms-112	97	19	but	but	CCONJ
aijbms-112	97	20	some	some	DET
aijbms-112	97	21	linear	linear	ADJ
aijbms-112	97	22	combination	combination	NOUN
aijbms-112	97	23	of	of	ADP
aijbms-112	97	24	them	they	PRON
aijbms-112	97	25	has	have	VERB
aijbms-112	97	26	a	a	DET
aijbms-112	97	27	lower	low	ADJ
aijbms-112	97	28	order	order	NOUN
aijbms-112	97	29	of	of	ADP
aijbms-112	97	30	integration	integration	NOUN
aijbms-112	97	31	,	,	PUNCT
aijbms-112	97	32	then	then	ADV
aijbms-112	97	33	the	the	DET
aijbms-112	97	34	series	series	NOUN
aijbms-112	97	35	are	be	AUX
aijbms-112	97	36	said	say	VERB
aijbms-112	97	37	to	to	PART
aijbms-112	97	38	be	be	AUX
aijbms-112	97	39	cointegrated	cointegrate	VERB
aijbms-112	97	40	.	.	PUNCT
aijbms-112	98	1	according	accord	VERB
aijbms-112	98	2	to	to	ADP
aijbms-112	98	3	(	(	PUNCT
aijbms-112	98	4	c	c	PROPN
aijbms-112	98	5	t	t	PROPN
aijbms-112	98	6	eviews	eviews	PROPN
aijbms-112	98	7	2010	2010	NUM
aijbms-112	98	8	)	)	PUNCT
aijbms-112	98	9	cointegration	cointegration	NOUN
aijbms-112	98	10	refers	refer	VERB
aijbms-112	98	11	to	to	ADP
aijbms-112	98	12	a	a	DET
aijbms-112	98	13	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	98	14	american	american	PROPN
aijbms-112	98	15	international	international	PROPN
aijbms-112	98	16	journal	journal	PROPN
aijbms-112	98	17	of	of	ADP
aijbms-112	98	18	business	business	NOUN
aijbms-112	98	19	and	and	CCONJ
aijbms-112	98	20	management	management	NOUN
aijbms-112	98	21	studies	study	NOUN
aijbms-112	98	22	vol	vol	NOUN
aijbms-112	98	23	.	.	PROPN
aijbms-112	99	1	1	1	NUM
aijbms-112	99	2	,	,	PUNCT
aijbms-112	99	3	no	no	INTJ
aijbms-112	99	4	.	.	NOUN
aijbms-112	99	5	1	1	NUM
aijbms-112	99	6	;	;	PUNCT
aijbms-112	99	7	2019	2019	NUM
aijbms-112	99	8	42	42	NUM
aijbms-112	99	9	scenario	scenario	NOUN
aijbms-112	99	10	where	where	SCONJ
aijbms-112	99	11	linear	linear	ADJ
aijbms-112	99	12	combination	combination	NOUN
aijbms-112	99	13	of	of	ADP
aijbms-112	99	14	non	non	ADJ
aijbms-112	99	15	stationary	stationary	ADJ
aijbms-112	99	16	variables	variable	NOUN
aijbms-112	99	17	is	be	AUX
aijbms-112	99	18	stationary	stationary	ADJ
aijbms-112	99	19	.	.	PUNCT
aijbms-112	100	1	for	for	ADP
aijbms-112	100	2	these	these	DET
aijbms-112	100	3	non	non	ADJ
aijbms-112	100	4	-	-	ADJ
aijbms-112	100	5	stationary	stationary	ADJ
aijbms-112	100	6	time	time	NOUN
aijbms-112	100	7	series	series	PROPN
aijbms-112	100	8	variables	variable	NOUN
aijbms-112	100	9	,	,	PUNCT
aijbms-112	100	10	there	there	PRON
aijbms-112	100	11	is	be	VERB
aijbms-112	100	12	a	a	DET
aijbms-112	100	13	possibility	possibility	NOUN
aijbms-112	100	14	of	of	ADP
aijbms-112	100	15	estimation	estimation	NOUN
aijbms-112	100	16	by	by	ADP
aijbms-112	100	17	differencing	difference	VERB
aijbms-112	100	18	in	in	ADP
aijbms-112	100	19	cases	case	NOUN
aijbms-112	100	20	where	where	SCONJ
aijbms-112	100	21	the	the	DET
aijbms-112	100	22	differences	difference	NOUN
aijbms-112	100	23	are	be	AUX
aijbms-112	100	24	stationary	stationary	ADJ
aijbms-112	100	25	.	.	PUNCT
aijbms-112	101	1	granger	granger	PROPN
aijbms-112	101	2	causality	causality	PROPN
aijbms-112	101	3	test	test	NOUN
aijbms-112	101	4	in	in	ADP
aijbms-112	101	5	conducting	conduct	VERB
aijbms-112	101	6	an	an	DET
aijbms-112	101	7	econometric	econometric	ADJ
aijbms-112	101	8	study	study	NOUN
aijbms-112	101	9	,	,	PUNCT
aijbms-112	101	10	the	the	DET
aijbms-112	101	11	direction	direction	NOUN
aijbms-112	101	12	of	of	ADP
aijbms-112	101	13	causal	causal	ADJ
aijbms-112	101	14	relationship	relationship	NOUN
aijbms-112	101	15	among	among	ADP
aijbms-112	101	16	variables	variable	NOUN
aijbms-112	101	17	is	be	AUX
aijbms-112	101	18	determined	determine	VERB
aijbms-112	101	19	according	accord	VERB
aijbms-112	101	20	to	to	ADP
aijbms-112	101	21	the	the	DET
aijbms-112	101	22	information	information	NOUN
aijbms-112	101	23	obtained	obtain	VERB
aijbms-112	101	24	from	from	ADP
aijbms-112	101	25	the	the	DET
aijbms-112	101	26	theory	theory	NOUN
aijbms-112	101	27	.	.	PUNCT
aijbms-112	102	1	in	in	ADP
aijbms-112	102	2	this	this	DET
aijbms-112	102	3	study	study	NOUN
aijbms-112	102	4	,	,	PUNCT
aijbms-112	102	5	granger	granger	PROPN
aijbms-112	102	6	causality	causality	PROPN
aijbms-112	102	7	test	test	NOUN
aijbms-112	102	8	was	be	AUX
aijbms-112	102	9	used	use	VERB
aijbms-112	102	10	in	in	ADP
aijbms-112	102	11	order	order	NOUN
aijbms-112	102	12	to	to	PART
aijbms-112	102	13	test	test	VERB
aijbms-112	102	14	the	the	DET
aijbms-112	102	15	hypotheses	hypothesis	NOUN
aijbms-112	102	16	regarding	regard	VERB
aijbms-112	102	17	the	the	DET
aijbms-112	102	18	presence	presence	NOUN
aijbms-112	102	19	and	and	CCONJ
aijbms-112	102	20	the	the	DET
aijbms-112	102	21	direction	direction	NOUN
aijbms-112	102	22	of	of	ADP
aijbms-112	102	23	the	the	DET
aijbms-112	102	24	causality	causality	NOUN
aijbms-112	102	25	between	between	ADP
aijbms-112	102	26	assets	asset	NOUN
aijbms-112	102	27	quality	quality	NOUN
aijbms-112	102	28	and	and	CCONJ
aijbms-112	102	29	profitability	profitability	NOUN
aijbms-112	102	30	of	of	ADP
aijbms-112	102	31	deposit	deposit	NOUN
aijbms-112	102	32	money	money	NOUN
aijbms-112	102	33	banks	bank	NOUN
aijbms-112	102	34	.	.	PUNCT
aijbms-112	103	1	data	datum	NOUN
aijbms-112	103	2	presentation	presentation	NOUN
aijbms-112	103	3	,	,	PUNCT
aijbms-112	103	4	analysis	analysis	NOUN
aijbms-112	103	5	and	and	CCONJ
aijbms-112	103	6	discussion	discussion	NOUN
aijbms-112	103	7	of	of	ADP
aijbms-112	103	8	findings	finding	NOUN
aijbms-112	103	9	table	table	NOUN
aijbms-112	103	10	ols	ol	NOUN
aijbms-112	103	11	result	result	VERB
aijbms-112	103	12	output	output	NOUN
aijbms-112	103	13	between	between	ADP
aijbms-112	103	14	assets	asset	NOUN
aijbms-112	103	15	quality	quality	NOUN
aijbms-112	103	16	and	and	CCONJ
aijbms-112	103	17	return	return	VERB
aijbms-112	103	18	on	on	ADP
aijbms-112	103	19	assets	asset	NOUN
aijbms-112	103	20	variable	variable	ADJ
aijbms-112	103	21	coefficient	coefficient	NOUN
aijbms-112	103	22	std	std	NOUN
aijbms-112	103	23	.	.	NOUN
aijbms-112	103	24	error	error	NOUN
aijbms-112	103	25	t	t	NOUN
aijbms-112	103	26	-	-	PUNCT
aijbms-112	103	27	statistic	statistic	NOUN
aijbms-112	103	28	prob	prob	NOUN
aijbms-112	103	29	.	.	PUNCT
aijbms-112	104	1	c	c	NOUN
aijbms-112	104	2	6.097605	6.097605	NUM
aijbms-112	104	3	3.563955	3.563955	NUM
aijbms-112	104	4	1.710909	1.710909	NUM
aijbms-112	104	5	0.0986	0.0986	NUM
aijbms-112	104	6	npl	npl	PROPN
aijbms-112	104	7	0.015289	0.015289	NUM
aijbms-112	104	8	0.036380	0.036380	NUM
aijbms-112	104	9	0.420267	0.420267	NUM
aijbms-112	104	10	0.6776	0.6776	NUM
aijbms-112	105	1	lat	lat	INTJ
aijbms-112	105	2	-0.100918	-0.100918	NOUN
aijbms-112	105	3	0.045771	0.045771	NUM
aijbms-112	105	4	-2.204820	-2.204820	NOUN
aijbms-112	105	5	0.0362	0.0362	NUM
aijbms-112	105	6	las	las	NOUN
aijbms-112	105	7	0.009531	0.009531	NUM
aijbms-112	105	8	0.083706	0.083706	NUM
aijbms-112	106	1	0.113865	0.113865	NUM
aijbms-112	106	2	0.9102	0.9102	NUM
aijbms-112	106	3	r	r	NOUN
aijbms-112	106	4	-	-	PUNCT
aijbms-112	106	5	squared	square	VERB
aijbms-112	106	6	0.195479	0.195479	NUM
aijbms-112	106	7	mean	mean	NOUN
aijbms-112	106	8	dependent	dependent	ADJ
aijbms-112	106	9	var	var	NOUN
aijbms-112	106	10	2.116129	2.116129	NUM
aijbms-112	106	11	adjusted	adjust	VERB
aijbms-112	106	12	r	r	NOUN
aijbms-112	106	13	-	-	PUNCT
aijbms-112	106	14	squared	square	VERB
aijbms-112	106	15	0.106087	0.106087	NUM
aijbms-112	106	16	s.d	s.d	PROPN
aijbms-112	106	17	.	.	PUNCT
aijbms-112	106	18	dependent	dependent	ADJ
aijbms-112	106	19	var	var	NOUN
aijbms-112	106	20	3.204590	3.204590	NUM
aijbms-112	106	21	s.e	s.e	PROPN
aijbms-112	106	22	.	.	PROPN
aijbms-112	106	23	of	of	ADP
aijbms-112	106	24	regression	regression	NOUN
aijbms-112	106	25	3.029842	3.029842	NUM
aijbms-112	106	26	akaike	akaike	ADJ
aijbms-112	106	27	info	info	NOUN
aijbms-112	106	28	criterion	criterion	NOUN
aijbms-112	106	29	5.174812	5.174812	NUM
aijbms-112	106	30	sum	sum	NOUN
aijbms-112	106	31	squared	square	VERB
aijbms-112	106	32	resid	resid	NOUN
aijbms-112	106	33	247.8585	247.8585	NUM
aijbms-112	106	34	schwarz	schwarz	NOUN
aijbms-112	106	35	criterion	criterion	NOUN
aijbms-112	106	36	5.359843	5.359843	NUM
aijbms-112	106	37	log	log	NOUN
aijbms-112	106	38	likelihood	likelihood	NOUN
aijbms-112	106	39	-76.20959	-76.20959	PUNCT
aijbms-112	106	40	f	f	X
aijbms-112	106	41	-	-	PUNCT
aijbms-112	106	42	statistic	statistic	ADJ
aijbms-112	106	43	12.18776	12.18776	NUM
aijbms-112	106	44	durbin	durbin	ADJ
aijbms-112	106	45	-	-	PUNCT
aijbms-112	106	46	watson	watson	NOUN
aijbms-112	106	47	stat	stat	PROPN
aijbms-112	106	48	1.939832	1.939832	NUM
aijbms-112	106	49	prob(f	prob(f	NOUN
aijbms-112	106	50	-	-	PUNCT
aijbms-112	106	51	statistic	statistic	NOUN
aijbms-112	106	52	)	)	PUNCT
aijbms-112	106	53	0.000693	0.000693	NUM
aijbms-112	106	54	source	source	NOUN
aijbms-112	106	55	:	:	PUNCT
aijbms-112	106	56	e	e	X
aijbms-112	106	57	view	view	VERB
aijbms-112	106	58	9.0	9.0	NUM
aijbms-112	106	59	output	output	NOUN
aijbms-112	106	60	the	the	DET
aijbms-112	106	61	objective	objective	NOUN
aijbms-112	106	62	of	of	ADP
aijbms-112	106	63	this	this	DET
aijbms-112	106	64	study	study	NOUN
aijbms-112	106	65	is	be	AUX
aijbms-112	106	66	to	to	PART
aijbms-112	106	67	investigate	investigate	VERB
aijbms-112	106	68	the	the	DET
aijbms-112	106	69	effects	effect	NOUN
aijbms-112	106	70	of	of	ADP
aijbms-112	106	71	asset	asset	NOUN
aijbms-112	106	72	quality	quality	NOUN
aijbms-112	106	73	on	on	ADP
aijbms-112	106	74	deposit	deposit	NOUN
aijbms-112	106	75	money	money	NOUN
aijbms-112	106	76	bank	bank	NOUN
aijbms-112	106	77	performance	performance	NOUN
aijbms-112	106	78	in	in	ADP
aijbms-112	106	79	nigeria	nigeria	PROPN
aijbms-112	106	80	(	(	PUNCT
aijbms-112	106	81	measure	measure	NOUN
aijbms-112	106	82	by	by	ADP
aijbms-112	106	83	roa	roa	PROPN
aijbms-112	106	84	)	)	PUNCT
aijbms-112	106	85	.	.	PUNCT
aijbms-112	107	1	the	the	DET
aijbms-112	107	2	regression	regression	NOUN
aijbms-112	107	3	model	model	NOUN
aijbms-112	107	4	explains	explain	VERB
aijbms-112	107	5	our	our	PRON
aijbms-112	107	6	hypothesis	hypothesis	NOUN
aijbms-112	107	7	and	and	CCONJ
aijbms-112	107	8	coefficient	coefficient	NOUN
aijbms-112	107	9	of	of	ADP
aijbms-112	107	10	deformation	deformation	NOUN
aijbms-112	107	11	(	(	PUNCT
aijbms-112	107	12	r	r	NOUN
aijbms-112	107	13	2	2	NUM
aijbms-112	107	14	)	)	PUNCT
aijbms-112	107	15	of	of	ADP
aijbms-112	107	16	0.1955	0.1955	NUM
aijbms-112	107	17	and	and	CCONJ
aijbms-112	107	18	adjusted	adjust	VERB
aijbms-112	107	19	(	(	PUNCT
aijbms-112	107	20	r	r	NOUN
aijbms-112	107	21	2	2	NUM
aijbms-112	107	22	)	)	PUNCT
aijbms-112	107	23	of	of	ADP
aijbms-112	107	24	0.106	0.106	NUM
aijbms-112	107	25	.	.	PUNCT
aijbms-112	108	1	this	this	PRON
aijbms-112	108	2	indicated	indicate	VERB
aijbms-112	108	3	that	that	SCONJ
aijbms-112	108	4	the	the	DET
aijbms-112	108	5	regression	regression	NOUN
aijbms-112	108	6	has	have	VERB
aijbms-112	108	7	low	low	ADJ
aijbms-112	108	8	explanatory	explanatory	ADJ
aijbms-112	108	9	power	power	NOUN
aijbms-112	108	10	.	.	PUNCT
aijbms-112	109	1	however	however	ADV
aijbms-112	109	2	,	,	PUNCT
aijbms-112	109	3	the	the	DET
aijbms-112	109	4	values	value	NOUN
aijbms-112	109	5	of	of	ADP
aijbms-112	109	6	r	r	NOUN
aijbms-112	109	7	2	2	NUM
aijbms-112	109	8	and	and	CCONJ
aijbms-112	109	9	adjusted	adjust	VERB
aijbms-112	109	10	r	r	NOUN
aijbms-112	109	11	2	2	NUM
aijbms-112	109	12	show	show	VERB
aijbms-112	109	13	that	that	SCONJ
aijbms-112	109	14	20	20	NUM
aijbms-112	109	15	percent	percent	NOUN
aijbms-112	109	16	of	of	ADP
aijbms-112	109	17	the	the	DET
aijbms-112	109	18	variations	variation	NOUN
aijbms-112	109	19	in	in	ADP
aijbms-112	109	20	the	the	DET
aijbms-112	109	21	criterion	criterion	NOUN
aijbms-112	109	22	variable	variable	NOUN
aijbms-112	109	23	(	(	PUNCT
aijbms-112	109	24	return	return	VERB
aijbms-112	109	25	on	on	ADP
aijbms-112	109	26	assets	asset	NOUN
aijbms-112	109	27	)	)	PUNCT
aijbms-112	109	28	is	be	AUX
aijbms-112	109	29	attributable	attributable	ADJ
aijbms-112	109	30	to	to	ADP
aijbms-112	109	31	the	the	DET
aijbms-112	109	32	predictor	predictor	NOUN
aijbms-112	109	33	variable	variable	NOUN
aijbms-112	109	34	selected	select	VERB
aijbms-112	109	35	by	by	ADP
aijbms-112	109	36	the	the	DET
aijbms-112	109	37	model	model	NOUN
aijbms-112	109	38	and	and	CCONJ
aijbms-112	109	39	involve	involve	VERB
aijbms-112	109	40	ratio	ratio	NOUN
aijbms-112	109	41	of	of	ADP
aijbms-112	109	42	non	non	ADJ
aijbms-112	109	43	-	-	ADJ
aijbms-112	109	44	performing	performing	ADJ
aijbms-112	109	45	loan	loan	NOUN
aijbms-112	109	46	to	to	ADP
aijbms-112	109	47	total	total	ADJ
aijbms-112	109	48	loan	loan	NOUN
aijbms-112	109	49	(	(	PUNCT
aijbms-112	109	50	npl	npl	PROPN
aijbms-112	109	51	)	)	PUNCT
aijbms-112	109	52	,	,	PUNCT
aijbms-112	109	53	ratio	ratio	NOUN
aijbms-112	109	54	of	of	ADP
aijbms-112	109	55	liquid	liquid	ADJ
aijbms-112	109	56	assets	asset	NOUN
aijbms-112	109	57	to	to	ADP
aijbms-112	109	58	total	total	ADJ
aijbms-112	109	59	assets	asset	NOUN
aijbms-112	109	60	(	(	PUNCT
aijbms-112	109	61	lat	lat	NOUN
aijbms-112	109	62	)	)	PUNCT
aijbms-112	109	63	and	and	CCONJ
aijbms-112	109	64	ratio	ratio	NOUN
aijbms-112	109	65	of	of	ADP
aijbms-112	109	66	liquid	liquid	ADJ
aijbms-112	109	67	assets	asset	NOUN
aijbms-112	109	68	to	to	ADP
aijbms-112	109	69	short	short	ADJ
aijbms-112	109	70	term	term	NOUN
aijbms-112	109	71	liabilities	liability	NOUN
aijbms-112	109	72	(	(	PUNCT
aijbms-112	109	73	las	las	NOUN
aijbms-112	109	74	)	)	PUNCT
aijbms-112	109	75	.	.	PUNCT
aijbms-112	110	1	though	though	SCONJ
aijbms-112	110	2	the	the	DET
aijbms-112	110	3	r	r	NOUN
aijbms-112	110	4	2	2	NUM
aijbms-112	110	5	and	and	CCONJ
aijbms-112	110	6	adjusted	adjust	VERB
aijbms-112	110	7	r	r	NOUN
aijbms-112	110	8	2	2	NUM
aijbms-112	110	9	is	be	AUX
aijbms-112	110	10	low	low	ADJ
aijbms-112	110	11	but	but	CCONJ
aijbms-112	110	12	it	it	PRON
aijbms-112	110	13	is	be	AUX
aijbms-112	110	14	significant	significant	ADJ
aijbms-112	110	15	judging	judging	NOUN
aijbms-112	110	16	from	from	ADP
aijbms-112	110	17	the	the	DET
aijbms-112	110	18	significant	significant	ADJ
aijbms-112	110	19	f.	f.	PROPN
aijbms-112	110	20	statistics	statistics	PROPN
aijbms-112	110	21	,	,	PUNCT
aijbms-112	110	22	which	which	PRON
aijbms-112	110	23	is	be	AUX
aijbms-112	110	24	equally	equally	ADV
aijbms-112	110	25	considerable	considerable	ADJ
aijbms-112	110	26	the	the	DET
aijbms-112	110	27	implication	implication	NOUN
aijbms-112	110	28	is	be	AUX
aijbms-112	110	29	that	that	SCONJ
aijbms-112	110	30	the	the	DET
aijbms-112	110	31	regression	regression	NOUN
aijbms-112	110	32	model	model	NOUN
aijbms-112	110	33	for	for	ADP
aijbms-112	110	34	this	this	DET
aijbms-112	110	35	study	study	NOUN
aijbms-112	110	36	is	be	AUX
aijbms-112	110	37	well	well	ADV
aijbms-112	110	38	specified	specify	VERB
aijbms-112	110	39	and	and	CCONJ
aijbms-112	110	40	does	do	AUX
aijbms-112	110	41	not	not	PART
aijbms-112	110	42	suffer	suffer	VERB
aijbms-112	110	43	any	any	DET
aijbms-112	110	44	misspecification	misspecification	NOUN
aijbms-112	110	45	problem	problem	NOUN
aijbms-112	110	46	.	.	PUNCT
aijbms-112	111	1	further	far	ADV
aijbms-112	111	2	,	,	PUNCT
aijbms-112	111	3	the	the	DET
aijbms-112	111	4	result	result	NOUN
aijbms-112	111	5	from	from	ADP
aijbms-112	111	6	the	the	DET
aijbms-112	111	7	model	model	NOUN
aijbms-112	111	8	can	can	AUX
aijbms-112	111	9	be	be	AUX
aijbms-112	111	10	relied	rely	VERB
aijbms-112	111	11	upon	upon	SCONJ
aijbms-112	111	12	in	in	ADP
aijbms-112	111	13	making	make	VERB
aijbms-112	111	14	useful	useful	ADJ
aijbms-112	111	15	inference	inference	NOUN
aijbms-112	111	16	with	with	ADP
aijbms-112	111	17	respect	respect	NOUN
aijbms-112	111	18	to	to	PART
aijbms-112	111	19	return	return	VERB
aijbms-112	111	20	on	on	ADP
aijbms-112	111	21	assets	asset	NOUN
aijbms-112	111	22	(	(	PUNCT
aijbms-112	111	23	roa	roa	PROPN
aijbms-112	111	24	)	)	PUNCT
aijbms-112	111	25	.	.	PUNCT
aijbms-112	112	1	the	the	DET
aijbms-112	112	2	durbin	durbin	PROPN
aijbms-112	112	3	watson	watson	PROPN
aijbms-112	112	4	test	test	NOUN
aijbms-112	112	5	is	be	AUX
aijbms-112	112	6	use	use	NOUN
aijbms-112	112	7	for	for	ADP
aijbms-112	112	8	testing	testing	NOUN
aijbms-112	112	9	presence	presence	NOUN
aijbms-112	112	10	of	of	ADP
aijbms-112	112	11	auto	auto	NOUN
aijbms-112	112	12	-	-	PUNCT
aijbms-112	112	13	correlation	correlation	NOUN
aijbms-112	112	14	which	which	PRON
aijbms-112	112	15	has	have	VERB
aijbms-112	112	16	a	a	DET
aijbms-112	112	17	value	value	NOUN
aijbms-112	112	18	of	of	ADP
aijbms-112	112	19	1.94	1.94	NUM
aijbms-112	112	20	.	.	PUNCT
aijbms-112	113	1	the	the	DET
aijbms-112	113	2	dw	dw	PROPN
aijbms-112	113	3	table	table	NOUN
aijbms-112	113	4	shows	show	VERB
aijbms-112	113	5	the	the	DET
aijbms-112	113	6	upper	upper	ADJ
aijbms-112	113	7	and	and	CCONJ
aijbms-112	113	8	lower	low	ADJ
aijbms-112	113	9	value	value	NOUN
aijbms-112	113	10	as	as	ADP
aijbms-112	113	11	1.31	1.31	NUM
aijbms-112	113	12	and	and	CCONJ
aijbms-112	113	13	1.68	1.68	NUM
aijbms-112	113	14	respectively	respectively	ADV
aijbms-112	113	15	.	.	PUNCT
aijbms-112	114	1	this	this	PRON
aijbms-112	114	2	shows	show	VERB
aijbms-112	114	3	that	that	SCONJ
aijbms-112	114	4	there	there	PRON
aijbms-112	114	5	is	be	VERB
aijbms-112	114	6	no	no	DET
aijbms-112	114	7	presence	presence	NOUN
aijbms-112	114	8	of	of	ADP
aijbms-112	114	9	auto	auto	NOUN
aijbms-112	114	10	-	-	PUNCT
aijbms-112	114	11	correlation	correlation	NOUN
aijbms-112	114	12	among	among	ADP
aijbms-112	114	13	the	the	DET
aijbms-112	114	14	variable	variable	NOUN
aijbms-112	114	15	since	since	SCONJ
aijbms-112	114	16	the	the	DET
aijbms-112	114	17	durbin	durbin	PROPN
aijbms-112	114	18	watson	watson	PROPN
aijbms-112	114	19	computed	compute	VERB
aijbms-112	114	20	does	do	AUX
aijbms-112	114	21	not	not	PART
aijbms-112	114	22	fall	fall	VERB
aijbms-112	114	23	within	within	ADP
aijbms-112	114	24	the	the	DET
aijbms-112	114	25	dw	dw	NOUN
aijbms-112	114	26	tabulated	tabulate	VERB
aijbms-112	114	27	.	.	PUNCT
aijbms-112	115	1	under	under	ADP
aijbms-112	115	2	table	table	NOUN
aijbms-112	115	3	4.8	4.8	NUM
aijbms-112	115	4	the	the	DET
aijbms-112	115	5	results	result	NOUN
aijbms-112	115	6	will	will	AUX
aijbms-112	115	7	reject	reject	VERB
aijbms-112	115	8	the	the	DET
aijbms-112	115	9	null	null	ADJ
aijbms-112	115	10	hypothesis	hypothesis	NOUN
aijbms-112	115	11	since	since	SCONJ
aijbms-112	115	12	it	it	PRON
aijbms-112	115	13	has	have	VERB
aijbms-112	115	14	a	a	DET
aijbms-112	115	15	residue	residue	NOUN
aijbms-112	115	16	relationship	relationship	NOUN
aijbms-112	115	17	on	on	ADP
aijbms-112	115	18	deposit	deposit	NOUN
aijbms-112	115	19	money	money	NOUN
aijbms-112	115	20	bank	bank	NOUN
aijbms-112	115	21	performance	performance	NOUN
aijbms-112	115	22	(	(	PUNCT
aijbms-112	115	23	roa	roa	NOUN
aijbms-112	115	24	)	)	PUNCT
aijbms-112	115	25	in	in	ADP
aijbms-112	115	26	nigeria	nigeria	PROPN
aijbms-112	115	27	.	.	PUNCT
aijbms-112	116	1	this	this	PRON
aijbms-112	116	2	mean	mean	VERB
aijbms-112	116	3	that	that	SCONJ
aijbms-112	116	4	ratio	ratio	NOUN
aijbms-112	116	5	of	of	ADP
aijbms-112	116	6	non	non	ADJ
aijbms-112	116	7	-	-	ADJ
aijbms-112	116	8	performing	performing	ADJ
aijbms-112	116	9	loan	loan	NOUN
aijbms-112	116	10	to	to	ADP
aijbms-112	116	11	total	total	ADJ
aijbms-112	116	12	loan	loan	NOUN
aijbms-112	116	13	are	be	AUX
aijbms-112	116	14	significant	significant	ADJ
aijbms-112	116	15	in	in	ADP
aijbms-112	116	16	explaining	explain	VERB
aijbms-112	116	17	the	the	DET
aijbms-112	116	18	performance	performance	NOUN
aijbms-112	116	19	of	of	ADP
aijbms-112	116	20	deposit	deposit	NOUN
aijbms-112	116	21	money	money	NOUN
aijbms-112	116	22	banks	bank	NOUN
aijbms-112	116	23	.	.	PUNCT
aijbms-112	117	1	the	the	DET
aijbms-112	117	2	result	result	NOUN
aijbms-112	117	3	shows	show	VERB
aijbms-112	117	4	that	that	SCONJ
aijbms-112	117	5	the	the	DET
aijbms-112	117	6	ratio	ratio	NOUN
aijbms-112	117	7	of	of	ADP
aijbms-112	117	8	liquid	liquid	ADJ
aijbms-112	117	9	assets	asset	NOUN
aijbms-112	117	10	to	to	PART
aijbms-112	117	11	total	total	VERB
aijbms-112	117	12	asset	asset	NOUN
aijbms-112	117	13	of	of	ADP
aijbms-112	117	14	the	the	DET
aijbms-112	117	15	bank	bank	NOUN
aijbms-112	117	16	is	be	AUX
aijbms-112	117	17	statistically	statistically	ADV
aijbms-112	117	18	significant	significant	ADJ
aijbms-112	117	19	in	in	ADP
aijbms-112	117	20	their	their	PRON
aijbms-112	117	21	influence	influence	NOUN
aijbms-112	117	22	on	on	ADP
aijbms-112	117	23	return	return	NOUN
aijbms-112	117	24	on	on	ADP
aijbms-112	117	25	assets	asset	NOUN
aijbms-112	117	26	.	.	PUNCT
aijbms-112	118	1	lat	lat	PROPN
aijbms-112	118	2	has	have	VERB
aijbms-112	118	3	negative	negative	ADJ
aijbms-112	118	4	relationship	relationship	NOUN
aijbms-112	118	5	with	with	ADP
aijbms-112	118	6	return	return	NOUN
aijbms-112	118	7	on	on	ADP
aijbms-112	118	8	assets	asset	NOUN
aijbms-112	118	9	(	(	PUNCT
aijbms-112	118	10	roa	roa	NOUN
aijbms-112	118	11	)	)	PUNCT
aijbms-112	118	12	.	.	PUNCT
aijbms-112	119	1	this	this	PRON
aijbms-112	119	2	indicates	indicate	VERB
aijbms-112	119	3	that	that	SCONJ
aijbms-112	119	4	return	return	NOUN
aijbms-112	119	5	on	on	ADP
aijbms-112	119	6	assets	asset	NOUN
aijbms-112	119	7	(	(	PUNCT
aijbms-112	119	8	roa	roa	NOUN
aijbms-112	119	9	)	)	PUNCT
aijbms-112	119	10	and	and	CCONJ
aijbms-112	119	11	ratio	ratio	NOUN
aijbms-112	119	12	of	of	ADP
aijbms-112	119	13	liquid	liquid	ADJ
aijbms-112	119	14	assets	asset	NOUN
aijbms-112	119	15	to	to	PART
aijbms-112	119	16	total	total	ADJ
aijbms-112	119	17	assets	asset	NOUN
aijbms-112	119	18	move	move	VERB
aijbms-112	119	19	in	in	ADP
aijbms-112	119	20	opposition	opposition	NOUN
aijbms-112	119	21	direction	direction	NOUN
aijbms-112	119	22	.	.	PUNCT
aijbms-112	120	1	the	the	DET
aijbms-112	120	2	coefficient	coefficient	NOUN
aijbms-112	120	3	shows	show	VERB
aijbms-112	120	4	that	that	SCONJ
aijbms-112	120	5	a	a	DET
aijbms-112	120	6	percentage	percentage	NOUN
aijbms-112	120	7	increase	increase	NOUN
aijbms-112	120	8	of	of	ADP
aijbms-112	120	9	ratio	ratio	NOUN
aijbms-112	120	10	of	of	ADP
aijbms-112	120	11	liquid	liquid	ADJ
aijbms-112	120	12	asset	asset	NOUN
aijbms-112	120	13	to	to	ADP
aijbms-112	120	14	total	total	ADJ
aijbms-112	120	15	assets	asset	NOUN
aijbms-112	120	16	will	will	AUX
aijbms-112	120	17	lead	lead	VERB
aijbms-112	120	18	to	to	ADP
aijbms-112	120	19	about	about	ADP
aijbms-112	120	20	o.10	o.10	ADP
aijbms-112	120	21	decrease	decrease	NOUN
aijbms-112	120	22	in	in	ADP
aijbms-112	120	23	return	return	NOUN
aijbms-112	120	24	on	on	ADP
aijbms-112	120	25	asset	asset	NOUN
aijbms-112	120	26	(	(	PUNCT
aijbms-112	120	27	roa	roa	PROPN
aijbms-112	120	28	)	)	PUNCT
aijbms-112	120	29	.	.	PUNCT
aijbms-112	121	1	the	the	DET
aijbms-112	121	2	output	output	NOUN
aijbms-112	121	3	of	of	ADP
aijbms-112	121	4	this	this	PRON
aijbms-112	121	5	could	could	AUX
aijbms-112	121	6	be	be	AUX
aijbms-112	121	7	attributed	attribute	VERB
aijbms-112	121	8	to	to	ADP
aijbms-112	121	9	the	the	DET
aijbms-112	121	10	unprofitable	unprofitable	ADJ
aijbms-112	121	11	/	/	SYM
aijbms-112	121	12	volatile	volatile	ADJ
aijbms-112	121	13	deposits	deposit	NOUN
aijbms-112	121	14	and	and	CCONJ
aijbms-112	121	15	reserves	reserve	NOUN
aijbms-112	121	16	which	which	PRON
aijbms-112	121	17	do	do	AUX
aijbms-112	121	18	not	not	PART
aijbms-112	121	19	stay	stay	VERB
aijbms-112	121	20	long	long	ADJ
aijbms-112	121	21	in	in	ADP
aijbms-112	121	22	banks	bank	NOUN
aijbms-112	121	23	vault	vault	NOUN
aijbms-112	121	24	.	.	PUNCT
aijbms-112	122	1	deposits	deposit	NOUN
aijbms-112	122	2	in	in	ADP
aijbms-112	122	3	the	the	DET
aijbms-112	122	4	bank	bank	NOUN
aijbms-112	122	5	vaults	vault	NOUN
aijbms-112	122	6	can	can	AUX
aijbms-112	122	7	be	be	AUX
aijbms-112	122	8	erratic	erratic	ADJ
aijbms-112	122	9	and	and	CCONJ
aijbms-112	122	10	vulnerable	vulnerable	ADJ
aijbms-112	122	11	that	that	PRON
aijbms-112	122	12	is	be	AUX
aijbms-112	122	13	subject	subject	ADJ
aijbms-112	122	14	to	to	ADP
aijbms-112	122	15	withdrawer	withdrawer	NOUN
aijbms-112	122	16	without	without	ADP
aijbms-112	122	17	notification	notification	NOUN
aijbms-112	122	18	.	.	PUNCT
aijbms-112	123	1	this	this	DET
aijbms-112	123	2	result	result	NOUN
aijbms-112	123	3	is	be	AUX
aijbms-112	123	4	in	in	ADP
aijbms-112	123	5	line	line	NOUN
aijbms-112	123	6	with	with	ADP
aijbms-112	123	7	finding	finding	NOUN
aijbms-112	123	8	of	of	ADP
aijbms-112	123	9	ikpefan	ikpefan	NOUN
aijbms-112	123	10	(	(	PUNCT
aijbms-112	123	11	2013	2013	NUM
aijbms-112	123	12	)	)	PUNCT
aijbms-112	123	13	,	,	PUNCT
aijbms-112	123	14	abata	abata	NOUN
aijbms-112	123	15	(	(	PUNCT
aijbms-112	123	16	2014	2014	NUM
aijbms-112	123	17	)	)	PUNCT
aijbms-112	123	18	;	;	PUNCT
aijbms-112	123	19	lucky	lucky	PROPN
aijbms-112	123	20	&	&	CCONJ
aijbms-112	123	21	nwosi	nwosi	PROPN
aijbms-112	123	22	,	,	PUNCT
aijbms-112	123	23	(	(	PUNCT
aijbms-112	123	24	2015	2015	NUM
aijbms-112	123	25	)	)	PUNCT
aijbms-112	123	26	and	and	CCONJ
aijbms-112	123	27	vighneswara	vighneswara	PROPN
aijbms-112	123	28	(	(	PUNCT
aijbms-112	123	29	2015	2015	NUM
aijbms-112	123	30	)	)	PUNCT
aijbms-112	123	31	.	.	PUNCT
aijbms-112	124	1	finally	finally	ADV
aijbms-112	124	2	,	,	PUNCT
aijbms-112	124	3	the	the	DET
aijbms-112	124	4	ratio	ratio	NOUN
aijbms-112	124	5	of	of	ADP
aijbms-112	124	6	liquid	liquid	ADJ
aijbms-112	124	7	assets	asset	NOUN
aijbms-112	124	8	to	to	ADP
aijbms-112	124	9	short	short	ADJ
aijbms-112	124	10	term	term	NOUN
aijbms-112	124	11	liabilities	liability	NOUN
aijbms-112	124	12	has	have	VERB
aijbms-112	124	13	insignificant	insignificant	ADJ
aijbms-112	124	14	effect	effect	NOUN
aijbms-112	124	15	on	on	ADP
aijbms-112	124	16	return	return	NOUN
aijbms-112	124	17	on	on	ADP
aijbms-112	124	18	assets	asset	NOUN
aijbms-112	124	19	of	of	ADP
aijbms-112	124	20	5	5	NUM
aijbms-112	124	21	%	%	NOUN
aijbms-112	124	22	level	level	NOUN
aijbms-112	124	23	of	of	ADP
aijbms-112	124	24	significance	significance	NOUN
aijbms-112	124	25	.	.	PUNCT
aijbms-112	125	1	the	the	DET
aijbms-112	125	2	result	result	NOUN
aijbms-112	125	3	shows	show	VERB
aijbms-112	125	4	that	that	SCONJ
aijbms-112	125	5	there	there	PRON
aijbms-112	125	6	is	be	VERB
aijbms-112	125	7	a	a	DET
aijbms-112	125	8	positive	positive	ADJ
aijbms-112	125	9	relationship	relationship	NOUN
aijbms-112	125	10	between	between	ADP
aijbms-112	125	11	ratios	ratio	NOUN
aijbms-112	125	12	of	of	ADP
aijbms-112	125	13	liquid	liquid	ADJ
aijbms-112	125	14	assets	asset	NOUN
aijbms-112	125	15	to	to	ADP
aijbms-112	125	16	short	short	ADJ
aijbms-112	125	17	term	term	NOUN
aijbms-112	125	18	liabilities	liability	NOUN
aijbms-112	125	19	though	though	SCONJ
aijbms-112	125	20	insignificant	insignificant	ADJ
aijbms-112	125	21	.	.	PUNCT
aijbms-112	126	1	table	table	NOUN
aijbms-112	126	2	4.4	4.4	NUM
aijbms-112	126	3	stationarity	stationarity	NOUN
aijbms-112	126	4	test	test	NOUN
aijbms-112	126	5	for	for	ADP
aijbms-112	126	6	assets	asset	NOUN
aijbms-112	126	7	quality	quality	NOUN
aijbms-112	126	8	and	and	CCONJ
aijbms-112	126	9	return	return	VERB
aijbms-112	126	10	on	on	ADP
aijbms-112	126	11	asset	asset	NOUN
aijbms-112	126	12	variables	variable	NOUN
aijbms-112	126	13	adf	adf	PROPN
aijbms-112	126	14	stat	stat	PROPN
aijbms-112	126	15	@	@	ADP
aijbms-112	126	16	1	1	NUM
aijbms-112	126	17	st	st	NOUN
aijbms-112	126	18	difference	difference	NOUN
aijbms-112	126	19	critical	critical	ADJ
aijbms-112	126	20	value	value	NOUN
aijbms-112	126	21	@	@	ADP
aijbms-112	126	22	1	1	NUM
aijbms-112	126	23	%	%	NOUN
aijbms-112	126	24	critical	critical	ADJ
aijbms-112	126	25	value	value	NOUN
aijbms-112	126	26	@	@	ADP
aijbms-112	126	27	5	5	NUM
aijbms-112	126	28	%	%	NOUN
aijbms-112	126	29	order	order	NOUN
aijbms-112	126	30	of	of	ADP
aijbms-112	126	31	integration	integration	NOUN
aijbms-112	126	32	roa	roa	PROPN
aijbms-112	126	33	-5.397653	-5.397653	PROPN
aijbms-112	126	34	-3.6852	-3.6852	PROPN
aijbms-112	126	35	-2.9705	-2.9705	PUNCT
aijbms-112	127	1	i(1	i(1	PROPN
aijbms-112	127	2	)	)	PUNCT
aijbms-112	127	3	npl	npl	PROPN
aijbms-112	127	4	-5.573627	-5.573627	PROPN
aijbms-112	127	5	-3.6852	-3.6852	PROPN
aijbms-112	127	6	-2.9705	-2.9705	PUNCT
aijbms-112	128	1	i(1	i(1	PROPN
aijbms-112	128	2	)	)	PUNCT
aijbms-112	128	3	lat	lat	PROPN
aijbms-112	128	4	-6.011578	-6.011578	PUNCT
aijbms-112	129	1	-3.6852	-3.6852	NOUN
aijbms-112	129	2	-2.9705	-2.9705	PUNCT
aijbms-112	130	1	i(1	i(1	PROPN
aijbms-112	130	2	)	)	PUNCT
aijbms-112	130	3	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	130	4	american	american	PROPN
aijbms-112	130	5	international	international	PROPN
aijbms-112	130	6	journal	journal	PROPN
aijbms-112	130	7	of	of	ADP
aijbms-112	130	8	business	business	NOUN
aijbms-112	130	9	and	and	CCONJ
aijbms-112	130	10	management	management	NOUN
aijbms-112	130	11	studies	study	NOUN
aijbms-112	130	12	vol	vol	NOUN
aijbms-112	130	13	.	.	PROPN
aijbms-112	131	1	1	1	NUM
aijbms-112	131	2	,	,	PUNCT
aijbms-112	131	3	no	no	INTJ
aijbms-112	131	4	.	.	NOUN
aijbms-112	131	5	1	1	NUM
aijbms-112	131	6	;	;	PUNCT
aijbms-112	131	7	2019	2019	NUM
aijbms-112	131	8	43	43	NUM
aijbms-112	131	9	las	las	PROPN
aijbms-112	131	10	-4.599397	-4.599397	PROPN
aijbms-112	131	11	-3.6852	-3.6852	PROPN
aijbms-112	131	12	-2.9705	-2.9705	PUNCT
aijbms-112	132	1	i(1	i(1	PROPN
aijbms-112	132	2	)	)	PUNCT
aijbms-112	132	3	source	source	NOUN
aijbms-112	132	4	:	:	PUNCT
aijbms-112	132	5	e	e	X
aijbms-112	132	6	-	-	NOUN
aijbms-112	132	7	view	view	VERB
aijbms-112	132	8	9.0	9.0	NUM
aijbms-112	132	9	output	output	NOUN
aijbms-112	132	10	the	the	DET
aijbms-112	132	11	study	study	NOUN
aijbms-112	132	12	conducted	conduct	VERB
aijbms-112	132	13	stationarity	stationarity	NOUN
aijbms-112	132	14	test	test	NOUN
aijbms-112	132	15	using	use	VERB
aijbms-112	132	16	the	the	DET
aijbms-112	132	17	augmented	augment	VERB
aijbms-112	132	18	dickey	dickey	PROPN
aijbms-112	132	19	fuller	full	ADJ
aijbms-112	132	20	unit	unit	NOUN
aijbms-112	132	21	root	root	PROPN
aijbms-112	132	22	test	test	NOUN
aijbms-112	132	23	.	.	PUNCT
aijbms-112	133	1	the	the	DET
aijbms-112	133	2	results	result	NOUN
aijbms-112	133	3	are	be	AUX
aijbms-112	133	4	summarized	summarize	VERB
aijbms-112	133	5	on	on	ADP
aijbms-112	133	6	table	table	NOUN
aijbms-112	133	7	4.6	4.6	NUM
aijbms-112	133	8	for	for	ADP
aijbms-112	133	9	each	each	PRON
aijbms-112	133	10	of	of	ADP
aijbms-112	133	11	the	the	DET
aijbms-112	133	12	variables	variable	NOUN
aijbms-112	133	13	under	under	ADP
aijbms-112	133	14	study	study	NOUN
aijbms-112	133	15	.	.	PUNCT
aijbms-112	134	1	comparing	compare	VERB
aijbms-112	134	2	the	the	DET
aijbms-112	134	3	critical	critical	ADJ
aijbms-112	134	4	value	value	NOUN
aijbms-112	134	5	at	at	ADP
aijbms-112	134	6	both	both	PRON
aijbms-112	134	7	1	1	NUM
aijbms-112	134	8	%	%	NOUN
aijbms-112	134	9	and	and	CCONJ
aijbms-112	134	10	5	5	NUM
aijbms-112	134	11	%	%	NOUN
aijbms-112	134	12	with	with	ADP
aijbms-112	134	13	the	the	DET
aijbms-112	134	14	adf	adf	PROPN
aijbms-112	134	15	statistics	statistic	NOUN
aijbms-112	134	16	,	,	PUNCT
aijbms-112	134	17	the	the	DET
aijbms-112	134	18	result	result	NOUN
aijbms-112	134	19	indicates	indicate	VERB
aijbms-112	134	20	that	that	SCONJ
aijbms-112	134	21	all	all	DET
aijbms-112	134	22	the	the	DET
aijbms-112	134	23	variables	variable	NOUN
aijbms-112	134	24	are	be	AUX
aijbms-112	134	25	stationary	stationary	ADJ
aijbms-112	134	26	at	at	ADP
aijbms-112	134	27	first	first	ADJ
aijbms-112	134	28	differencing	differencing	NOUN
aijbms-112	134	29	.	.	PUNCT
aijbms-112	135	1	hence	hence	ADV
aijbms-112	135	2	,	,	PUNCT
aijbms-112	135	3	the	the	DET
aijbms-112	135	4	variables	variable	NOUN
aijbms-112	135	5	are	be	AUX
aijbms-112	135	6	all	all	ADV
aijbms-112	135	7	integrated	integrate	VERB
aijbms-112	135	8	serious	serious	ADJ
aijbms-112	135	9	of	of	ADP
aijbms-112	135	10	order	order	NOUN
aijbms-112	135	11	1(i	1(i	NUM
aijbms-112	135	12	)	)	PUNCT
aijbms-112	135	13	.	.	PUNCT
aijbms-112	136	1	this	this	PRON
aijbms-112	136	2	implies	imply	VERB
aijbms-112	136	3	that	that	SCONJ
aijbms-112	136	4	the	the	DET
aijbms-112	136	5	absolute	absolute	ADJ
aijbms-112	136	6	values	value	NOUN
aijbms-112	136	7	of	of	ADP
aijbms-112	136	8	the	the	DET
aijbms-112	136	9	adf	adf	PROPN
aijbms-112	136	10	test	test	NOUN
aijbms-112	136	11	statistics	statistic	NOUN
aijbms-112	136	12	are	be	AUX
aijbms-112	136	13	all	all	ADV
aijbms-112	136	14	greater	great	ADJ
aijbms-112	136	15	than	than	ADP
aijbms-112	136	16	the	the	DET
aijbms-112	136	17	critical	critical	ADJ
aijbms-112	136	18	values	value	NOUN
aijbms-112	136	19	at	at	ADP
aijbms-112	136	20	5	5	NUM
aijbms-112	136	21	%	%	NOUN
aijbms-112	136	22	level	level	NOUN
aijbms-112	136	23	of	of	ADP
aijbms-112	136	24	significance	significance	NOUN
aijbms-112	136	25	.	.	PUNCT
aijbms-112	137	1	having	having	AUX
aijbms-112	137	2	stationarized	stationarize	VERB
aijbms-112	137	3	the	the	DET
aijbms-112	137	4	series	series	NOUN
aijbms-112	137	5	,	,	PUNCT
aijbms-112	137	6	the	the	DET
aijbms-112	137	7	data	datum	NOUN
aijbms-112	137	8	can	can	AUX
aijbms-112	137	9	now	now	ADV
aijbms-112	137	10	be	be	AUX
aijbms-112	137	11	subjected	subject	VERB
aijbms-112	137	12	to	to	ADP
aijbms-112	137	13	a	a	DET
aijbms-112	137	14	test	test	NOUN
aijbms-112	137	15	to	to	PART
aijbms-112	137	16	ascertain	ascertain	VERB
aijbms-112	137	17	whether	whether	SCONJ
aijbms-112	137	18	these	these	DET
aijbms-112	137	19	series	serie	NOUN
aijbms-112	137	20	are	be	AUX
aijbms-112	137	21	co	co	ADJ
aijbms-112	137	22	-	-	VERB
aijbms-112	137	23	integrated	integrated	ADJ
aijbms-112	137	24	or	or	CCONJ
aijbms-112	137	25	not	not	PART
aijbms-112	137	26	by	by	ADP
aijbms-112	137	27	employing	employ	VERB
aijbms-112	137	28	the	the	DET
aijbms-112	137	29	johansen	johansen	PROPN
aijbms-112	137	30	co	co	NOUN
aijbms-112	137	31	-	-	NOUN
aijbms-112	137	32	integration	integration	NOUN
aijbms-112	137	33	procedure	procedure	NOUN
aijbms-112	137	34	to	to	PART
aijbms-112	137	35	estimate	estimate	VERB
aijbms-112	137	36	the	the	DET
aijbms-112	137	37	long	long	ADJ
aijbms-112	137	38	run	run	NOUN
aijbms-112	137	39	equilibrium	equilibrium	NOUN
aijbms-112	137	40	relationship	relationship	NOUN
aijbms-112	137	41	between	between	ADP
aijbms-112	137	42	the	the	DET
aijbms-112	137	43	predictor	predictor	NOUN
aijbms-112	137	44	and	and	CCONJ
aijbms-112	137	45	criterion	criterion	NOUN
aijbms-112	137	46	variables	variable	NOUN
aijbms-112	137	47	.	.	PUNCT
aijbms-112	138	1	4.5	4.5	NUM
aijbms-112	138	2	econometric	econometric	ADJ
aijbms-112	138	3	analysis	analysis	NOUN
aijbms-112	138	4	and	and	CCONJ
aijbms-112	138	5	hypotheses	hypothesis	NOUN
aijbms-112	138	6	testing	testing	NOUN
aijbms-112	138	7	table	table	NOUN
aijbms-112	138	8	4.7	4.7	NUM
aijbms-112	138	9	johansen	johansen	PROPN
aijbms-112	138	10	co	co	PROPN
aijbms-112	138	11	-	-	NOUN
aijbms-112	138	12	integration	integration	NOUN
aijbms-112	138	13	test	test	NOUN
aijbms-112	138	14	output	output	NOUN
aijbms-112	138	15	between	between	ADP
aijbms-112	138	16	assets	asset	NOUN
aijbms-112	138	17	quality	quality	NOUN
aijbms-112	138	18	and	and	CCONJ
aijbms-112	138	19	return	return	VERB
aijbms-112	138	20	on	on	ADP
aijbms-112	138	21	assets	asset	NOUN
aijbms-112	138	22	eigenvalue	eigenvalue	NOUN
aijbms-112	138	23	likelihood	likelihood	NOUN
aijbms-112	138	24	ratio	ratio	NOUN
aijbms-112	138	25	5	5	NUM
aijbms-112	138	26	percent	percent	NOUN
aijbms-112	138	27	critical	critical	ADJ
aijbms-112	138	28	value	value	NOUN
aijbms-112	138	29	1	1	NUM
aijbms-112	138	30	percent	percent	NOUN
aijbms-112	138	31	critical	critical	ADJ
aijbms-112	138	32	value	value	NOUN
aijbms-112	138	33	hypothesized	hypothesize	VERB
aijbms-112	138	34	no	no	ADP
aijbms-112	138	35	.	.	PUNCT
aijbms-112	138	36	of	of	ADP
aijbms-112	138	37	ce(s	ce(s	ADJ
aijbms-112	138	38	)	)	PUNCT
aijbms-112	138	39	0.626201	0.626201	NUM
aijbms-112	138	40	48.37381	48.37381	NUM
aijbms-112	138	41	47.21	47.21	NUM
aijbms-112	138	42	54.46	54.46	NUM
aijbms-112	138	43	none	none	NOUN
aijbms-112	138	44	*	*	PUNCT
aijbms-112	138	45	0.369605	0.369605	NUM
aijbms-112	138	46	19.83675	19.83675	NUM
aijbms-112	138	47	29.68	29.68	NUM
aijbms-112	138	48	35.65	35.65	NUM
aijbms-112	138	49	at	at	ADP
aijbms-112	138	50	most	most	ADJ
aijbms-112	138	51	1	1	NUM
aijbms-112	138	52	0.198525	0.198525	NUM
aijbms-112	138	53	6.455884	6.455884	NUM
aijbms-112	138	54	15.41	15.41	NUM
aijbms-112	138	55	20.04	20.04	NUM
aijbms-112	138	56	at	at	ADP
aijbms-112	138	57	most	most	ADJ
aijbms-112	138	58	2	2	NUM
aijbms-112	138	59	0.001315	0.001315	NUM
aijbms-112	138	60	0.038146	0.038146	NUM
aijbms-112	138	61	3.76	3.76	NUM
aijbms-112	138	62	6.65	6.65	NUM
aijbms-112	138	63	at	at	ADP
aijbms-112	138	64	most	most	ADJ
aijbms-112	138	65	3	3	NUM
aijbms-112	138	66	source	source	NOUN
aijbms-112	138	67	:	:	PUNCT
aijbms-112	138	68	e	e	NOUN
aijbms-112	138	69	-	-	NOUN
aijbms-112	138	70	view	view	VERB
aijbms-112	138	71	9.0	9.0	NUM
aijbms-112	138	72	output	output	NOUN
aijbms-112	138	73	*	*	PUNCT
aijbms-112	138	74	(	(	PUNCT
aijbms-112	138	75	*	*	PUNCT
aijbms-112	138	76	*	*	NOUN
aijbms-112	138	77	)	)	PUNCT
aijbms-112	138	78	denotes	denote	NOUN
aijbms-112	138	79	rejection	rejection	NOUN
aijbms-112	138	80	of	of	ADP
aijbms-112	138	81	the	the	DET
aijbms-112	138	82	hypothesis	hypothesis	NOUN
aijbms-112	138	83	at	at	ADP
aijbms-112	138	84	5%(1	5%(1	PROPN
aijbms-112	138	85	%	%	NOUN
aijbms-112	138	86	)	)	PUNCT
aijbms-112	138	87	significance	significance	NOUN
aijbms-112	138	88	level	level	NOUN
aijbms-112	138	89	l.r	l.r	PROPN
aijbms-112	138	90	.	.	PROPN
aijbms-112	138	91	test	test	NOUN
aijbms-112	138	92	indicates	indicate	VERB
aijbms-112	138	93	1	1	NUM
aijbms-112	138	94	cointegrating	cointegrate	VERB
aijbms-112	138	95	equation(s	equation(s	NOUN
aijbms-112	138	96	)	)	PUNCT
aijbms-112	138	97	at	at	ADP
aijbms-112	138	98	5	5	NUM
aijbms-112	138	99	%	%	NOUN
aijbms-112	138	100	significance	significance	NOUN
aijbms-112	138	101	level	level	NOUN
aijbms-112	138	102	since	since	SCONJ
aijbms-112	138	103	the	the	DET
aijbms-112	138	104	data	datum	NOUN
aijbms-112	138	105	are	be	AUX
aijbms-112	138	106	of	of	ADP
aijbms-112	138	107	order	order	NOUN
aijbms-112	138	108	1(i	1(i	NUM
aijbms-112	138	109	)	)	PUNCT
aijbms-112	138	110	,	,	PUNCT
aijbms-112	138	111	we	we	PRON
aijbms-112	138	112	now	now	ADV
aijbms-112	138	113	apply	apply	VERB
aijbms-112	138	114	the	the	DET
aijbms-112	138	115	johansen	johansen	PROPN
aijbms-112	138	116	co	co	NOUN
aijbms-112	138	117	-	-	NOUN
aijbms-112	138	118	integration	integration	NOUN
aijbms-112	138	119	techniques	technique	NOUN
aijbms-112	138	120	to	to	PART
aijbms-112	138	121	ascertain	ascertain	VERB
aijbms-112	138	122	the	the	DET
aijbms-112	138	123	existence	existence	NOUN
aijbms-112	138	124	of	of	ADP
aijbms-112	138	125	long	long	ADV
aijbms-112	138	126	-	-	PUNCT
aijbms-112	138	127	run	run	VERB
aijbms-112	138	128	co	co	ADJ
aijbms-112	138	129	-	-	ADJ
aijbms-112	138	130	integrating	integrating	ADJ
aijbms-112	138	131	relationship	relationship	NOUN
aijbms-112	138	132	.	.	PUNCT
aijbms-112	139	1	the	the	DET
aijbms-112	139	2	co	co	NOUN
aijbms-112	139	3	-	-	NOUN
aijbms-112	139	4	integration	integration	NOUN
aijbms-112	139	5	test	test	NOUN
aijbms-112	139	6	is	be	AUX
aijbms-112	139	7	based	base	VERB
aijbms-112	139	8	on	on	ADP
aijbms-112	139	9	the	the	DET
aijbms-112	139	10	likelihood	likelihood	NOUN
aijbms-112	139	11	ratio	ratio	NOUN
aijbms-112	139	12	and	and	CCONJ
aijbms-112	139	13	the	the	DET
aijbms-112	139	14	critical	critical	ADJ
aijbms-112	139	15	value	value	NOUN
aijbms-112	139	16	.	.	PUNCT
aijbms-112	140	1	the	the	DET
aijbms-112	140	2	result	result	NOUN
aijbms-112	140	3	is	be	AUX
aijbms-112	140	4	presented	present	VERB
aijbms-112	140	5	in	in	ADP
aijbms-112	140	6	table	table	NOUN
aijbms-112	140	7	4.7	4.7	NUM
aijbms-112	140	8	above	above	ADP
aijbms-112	140	9	and	and	CCONJ
aijbms-112	140	10	from	from	ADP
aijbms-112	140	11	table	table	NOUN
aijbms-112	140	12	4.7	4.7	NUM
aijbms-112	140	13	it	it	PRON
aijbms-112	140	14	can	can	AUX
aijbms-112	140	15	be	be	AUX
aijbms-112	140	16	seen	see	VERB
aijbms-112	140	17	that	that	SCONJ
aijbms-112	140	18	the	the	DET
aijbms-112	140	19	observed	observed	ADJ
aijbms-112	140	20	likelihood	likelihood	NOUN
aijbms-112	140	21	ratio	ratio	NOUN
aijbms-112	140	22	of	of	ADP
aijbms-112	140	23	48.374	48.374	NUM
aijbms-112	140	24	is	be	AUX
aijbms-112	140	25	greater	great	ADJ
aijbms-112	140	26	than	than	ADP
aijbms-112	140	27	the	the	DET
aijbms-112	140	28	critical	critical	ADJ
aijbms-112	140	29	value	value	NOUN
aijbms-112	140	30	of	of	ADP
aijbms-112	140	31	47.21	47.21	NUM
aijbms-112	140	32	at	at	ADP
aijbms-112	140	33	5	5	NUM
aijbms-112	140	34	%	%	NOUN
aijbms-112	140	35	level	level	NOUN
aijbms-112	140	36	of	of	ADP
aijbms-112	140	37	significance	significance	NOUN
aijbms-112	140	38	.	.	PUNCT
aijbms-112	141	1	therefore	therefore	ADV
aijbms-112	141	2	from	from	ADP
aijbms-112	141	3	the	the	DET
aijbms-112	141	4	table	table	NOUN
aijbms-112	141	5	it	it	PRON
aijbms-112	141	6	is	be	AUX
aijbms-112	141	7	clear	clear	ADJ
aijbms-112	141	8	that	that	SCONJ
aijbms-112	141	9	the	the	DET
aijbms-112	141	10	test	test	NOUN
aijbms-112	141	11	indicate	indicate	VERB
aijbms-112	141	12	at	at	ADP
aijbms-112	141	13	most	most	ADJ
aijbms-112	141	14	1	1	NUM
aijbms-112	141	15	co	co	ADJ
aijbms-112	141	16	-	-	ADJ
aijbms-112	141	17	integrating	integrating	ADJ
aijbms-112	141	18	equation	equation	NOUN
aijbms-112	141	19	.	.	PUNCT
aijbms-112	142	1	this	this	DET
aijbms-112	142	2	result	result	NOUN
aijbms-112	142	3	means	mean	VERB
aijbms-112	142	4	that	that	SCONJ
aijbms-112	142	5	there	there	PRON
aijbms-112	142	6	is	be	VERB
aijbms-112	142	7	a	a	DET
aijbms-112	142	8	long	long	ADJ
aijbms-112	142	9	run	run	VERB
aijbms-112	142	10	equilibrium	equilibrium	NOUN
aijbms-112	142	11	relationship	relationship	NOUN
aijbms-112	142	12	between	between	ADP
aijbms-112	142	13	return	return	NOUN
aijbms-112	142	14	on	on	ADP
aijbms-112	142	15	assets	asset	NOUN
aijbms-112	142	16	(	(	PUNCT
aijbms-112	142	17	roa	roa	NOUN
aijbms-112	142	18	)	)	PUNCT
aijbms-112	142	19	and	and	CCONJ
aijbms-112	142	20	bank	bank	NOUN
aijbms-112	142	21	asset	asset	NOUN
aijbms-112	142	22	quality	quality	NOUN
aijbms-112	142	23	indicators	indicator	NOUN
aijbms-112	142	24	in	in	ADP
aijbms-112	142	25	nigeria	nigeria	PROPN
aijbms-112	142	26	.	.	PUNCT
aijbms-112	143	1	the	the	DET
aijbms-112	143	2	finding	finding	NOUN
aijbms-112	143	3	of	of	ADP
aijbms-112	143	4	this	this	DET
aijbms-112	143	5	study	study	NOUN
aijbms-112	143	6	is	be	AUX
aijbms-112	143	7	in	in	ADP
aijbms-112	143	8	line	line	NOUN
aijbms-112	143	9	with	with	ADP
aijbms-112	143	10	the	the	DET
aijbms-112	143	11	work	work	NOUN
aijbms-112	143	12	of	of	ADP
aijbms-112	143	13	lucky	lucky	ADJ
aijbms-112	143	14	and	and	CCONJ
aijbms-112	143	15	nwosi	nwosi	INTJ
aijbms-112	143	16	(	(	PUNCT
aijbms-112	143	17	2015	2015	NUM
aijbms-112	143	18	)	)	PUNCT
aijbms-112	143	19	and	and	CCONJ
aijbms-112	143	20	vighneswara	vighneswara	PROPN
aijbms-112	143	21	(	(	PUNCT
aijbms-112	143	22	2015	2015	NUM
aijbms-112	143	23	)	)	PUNCT
aijbms-112	143	24	and	and	CCONJ
aijbms-112	143	25	in	in	ADP
aijbms-112	143	26	contrary	contrary	NOUN
aijbms-112	143	27	with	with	ADP
aijbms-112	143	28	this	this	DET
aijbms-112	143	29	finding	finding	NOUN
aijbms-112	143	30	of	of	ADP
aijbms-112	143	31	khalied	khalied	PROPN
aijbms-112	143	32	(	(	PUNCT
aijbms-112	143	33	2012	2012	NUM
aijbms-112	143	34	)	)	PUNCT
aijbms-112	143	35	and	and	CCONJ
aijbms-112	143	36	li	li	PROPN
aijbms-112	143	37	&	&	CCONJ
aijbms-112	143	38	chiu	chiu	PROPN
aijbms-112	143	39	(	(	PUNCT
aijbms-112	143	40	2004	2004	NUM
aijbms-112	143	41	)	)	PUNCT
aijbms-112	143	42	who	who	PRON
aijbms-112	143	43	find	find	VERB
aijbms-112	143	44	no	no	DET
aijbms-112	143	45	evidence	evidence	NOUN
aijbms-112	143	46	of	of	ADP
aijbms-112	143	47	co	co	NOUN
aijbms-112	143	48	-	-	NOUN
aijbms-112	143	49	integration	integration	NOUN
aijbms-112	143	50	between	between	ADP
aijbms-112	143	51	bank	bank	NOUN
aijbms-112	143	52	performance	performance	NOUN
aijbms-112	143	53	asset	asset	NOUN
aijbms-112	143	54	qualities	quality	NOUN
aijbms-112	143	55	.	.	PUNCT
aijbms-112	144	1	table	table	NOUN
aijbms-112	144	2	4.6	4.6	NUM
aijbms-112	144	3	granger	granger	NOUN
aijbms-112	144	4	causality	causality	PROPN
aijbms-112	144	5	test	test	NOUN
aijbms-112	144	6	output	output	NOUN
aijbms-112	144	7	assets	asset	NOUN
aijbms-112	144	8	quality	quality	NOUN
aijbms-112	144	9	and	and	CCONJ
aijbms-112	144	10	return	return	VERB
aijbms-112	144	11	on	on	ADP
aijbms-112	144	12	assets	asset	NOUN
aijbms-112	144	13	null	null	ADJ
aijbms-112	144	14	hypothesis	hypothesis	NOUN
aijbms-112	144	15	:	:	PUNCT
aijbms-112	144	16	obs	obs	PROPN
aijbms-112	144	17	f	f	NOUN
aijbms-112	144	18	-	-	PUNCT
aijbms-112	144	19	statistic	statistic	NOUN
aijbms-112	144	20	probability	probability	NOUN
aijbms-112	144	21	npl	npl	NOUN
aijbms-112	144	22	does	do	AUX
aijbms-112	144	23	not	not	PART
aijbms-112	144	24	granger	granger	PROPN
aijbms-112	144	25	cause	cause	VERB
aijbms-112	144	26	roa	roa	PROPN
aijbms-112	144	27	29	29	NUM
aijbms-112	144	28	1.77927	1.77927	NUM
aijbms-112	144	29	0.19031	0.19031	NUM
aijbms-112	144	30	roa	roa	NOUN
aijbms-112	144	31	does	do	AUX
aijbms-112	144	32	not	not	PART
aijbms-112	144	33	granger	granger	AUX
aijbms-112	144	34	cause	cause	VERB
aijbms-112	144	35	npl	npl	PROPN
aijbms-112	144	36	0.11710	0.11710	NUM
aijbms-112	144	37	0.89000	0.89000	NUM
aijbms-112	144	38	lat	lat	NOUN
aijbms-112	144	39	does	do	AUX
aijbms-112	144	40	not	not	PART
aijbms-112	144	41	granger	granger	PROPN
aijbms-112	144	42	cause	cause	VERB
aijbms-112	144	43	roa	roa	PROPN
aijbms-112	144	44	29	29	NUM
aijbms-112	144	45	2.60432	2.60432	NUM
aijbms-112	144	46	0.09471	0.09471	NUM
aijbms-112	144	47	roa	roa	NOUN
aijbms-112	144	48	does	do	AUX
aijbms-112	144	49	not	not	PART
aijbms-112	144	50	granger	granger	AUX
aijbms-112	144	51	cause	cause	VERB
aijbms-112	144	52	lat	lat	PROPN
aijbms-112	144	53	3.59150	3.59150	NUM
aijbms-112	144	54	0.04320	0.04320	NUM
aijbms-112	144	55	las	las	NOUN
aijbms-112	144	56	does	do	AUX
aijbms-112	144	57	not	not	PART
aijbms-112	144	58	granger	granger	PROPN
aijbms-112	144	59	cause	cause	VERB
aijbms-112	144	60	roa	roa	PROPN
aijbms-112	144	61	29	29	NUM
aijbms-112	144	62	1.04864	1.04864	NUM
aijbms-112	144	63	0.36593	0.36593	NUM
aijbms-112	144	64	roa	roa	NOUN
aijbms-112	144	65	does	do	AUX
aijbms-112	144	66	not	not	PART
aijbms-112	144	67	granger	granger	AUX
aijbms-112	144	68	cause	cause	VERB
aijbms-112	144	69	las	las	PROPN
aijbms-112	144	70	3.35894	3.35894	NUM
aijbms-112	144	71	0.05174	0.05174	NUM
aijbms-112	144	72	lat	lat	NOUN
aijbms-112	144	73	does	do	AUX
aijbms-112	144	74	not	not	PART
aijbms-112	144	75	granger	granger	AUX
aijbms-112	144	76	cause	cause	VERB
aijbms-112	144	77	npl	npl	PROPN
aijbms-112	144	78	29	29	NUM
aijbms-112	144	79	0.92660	0.92660	NUM
aijbms-112	144	80	0.40960	0.40960	NUM
aijbms-112	144	81	npl	npl	NOUN
aijbms-112	144	82	does	do	AUX
aijbms-112	144	83	not	not	PART
aijbms-112	144	84	granger	granger	AUX
aijbms-112	144	85	cause	cause	VERB
aijbms-112	144	86	lat	lat	NOUN
aijbms-112	144	87	0.62885	0.62885	NUM
aijbms-112	144	88	0.54176	0.54176	NUM
aijbms-112	144	89	las	las	NOUN
aijbms-112	144	90	does	do	AUX
aijbms-112	144	91	not	not	PART
aijbms-112	144	92	granger	granger	AUX
aijbms-112	144	93	cause	cause	VERB
aijbms-112	144	94	npl	npl	PROPN
aijbms-112	144	95	29	29	NUM
aijbms-112	144	96	1.99824	1.99824	NUM
aijbms-112	144	97	0.15750	0.15750	NUM
aijbms-112	144	98	npl	npl	NOUN
aijbms-112	144	99	does	do	AUX
aijbms-112	144	100	not	not	PART
aijbms-112	144	101	granger	granger	AUX
aijbms-112	144	102	cause	cause	VERB
aijbms-112	144	103	las	las	PROPN
aijbms-112	144	104	1.25612	1.25612	NUM
aijbms-112	144	105	0.30281	0.30281	NUM
aijbms-112	144	106	las	las	NOUN
aijbms-112	144	107	does	do	AUX
aijbms-112	144	108	not	not	PART
aijbms-112	144	109	granger	granger	VERB
aijbms-112	144	110	cause	cause	VERB
aijbms-112	144	111	lat	lat	PROPN
aijbms-112	144	112	29	29	NUM
aijbms-112	144	113	0.02567	0.02567	NUM
aijbms-112	144	114	0.97468	0.97468	NUM
aijbms-112	144	115	lat	lat	NOUN
aijbms-112	144	116	does	do	AUX
aijbms-112	144	117	not	not	PART
aijbms-112	144	118	granger	granger	AUX
aijbms-112	144	119	cause	cause	VERB
aijbms-112	144	120	las	las	PROPN
aijbms-112	144	121	3.31366	3.31366	NUM
aijbms-112	144	122	0.05361	0.05361	NUM
aijbms-112	144	123	source	source	NOUN
aijbms-112	144	124	:	:	PUNCT
aijbms-112	144	125	e	e	X
aijbms-112	144	126	view	view	VERB
aijbms-112	144	127	9.0	9.0	NUM
aijbms-112	144	128	output	output	NOUN
aijbms-112	144	129	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	144	130	american	american	PROPN
aijbms-112	144	131	international	international	PROPN
aijbms-112	144	132	journal	journal	PROPN
aijbms-112	144	133	of	of	ADP
aijbms-112	144	134	business	business	NOUN
aijbms-112	144	135	and	and	CCONJ
aijbms-112	144	136	management	management	NOUN
aijbms-112	144	137	studies	study	NOUN
aijbms-112	144	138	vol	vol	NOUN
aijbms-112	144	139	.	.	PROPN
aijbms-112	145	1	1	1	NUM
aijbms-112	145	2	,	,	PUNCT
aijbms-112	145	3	no	no	INTJ
aijbms-112	145	4	.	.	NOUN
aijbms-112	145	5	1	1	NUM
aijbms-112	145	6	;	;	PUNCT
aijbms-112	145	7	2019	2019	NUM
aijbms-112	145	8	44	44	NUM
aijbms-112	145	9	the	the	DET
aijbms-112	145	10	result	result	NOUN
aijbms-112	145	11	of	of	ADP
aijbms-112	145	12	the	the	DET
aijbms-112	145	13	pairwise	pairwise	PROPN
aijbms-112	145	14	granger	granger	NOUN
aijbms-112	145	15	causality	causality	PROPN
aijbms-112	145	16	test	test	NOUN
aijbms-112	145	17	conducted	conduct	VERB
aijbms-112	145	18	with	with	ADP
aijbms-112	145	19	a	a	DET
aijbms-112	145	20	maximum	maximum	ADJ
aijbms-112	145	21	log	log	NOUN
aijbms-112	145	22	of	of	ADP
aijbms-112	145	23	2	2	NUM
aijbms-112	145	24	is	be	AUX
aijbms-112	145	25	presented	present	VERB
aijbms-112	145	26	in	in	ADP
aijbms-112	145	27	table	table	NOUN
aijbms-112	145	28	4.9	4.9	NUM
aijbms-112	145	29	below	below	ADV
aijbms-112	145	30	from	from	ADP
aijbms-112	145	31	result	result	NOUN
aijbms-112	145	32	;	;	PUNCT
aijbms-112	145	33	the	the	DET
aijbms-112	145	34	null	null	ADJ
aijbms-112	145	35	hypothesis	hypothesis	NOUN
aijbms-112	145	36	is	be	AUX
aijbms-112	145	37	rejected	reject	VERB
aijbms-112	145	38	if	if	SCONJ
aijbms-112	145	39	the	the	DET
aijbms-112	145	40	probability	probability	NOUN
aijbms-112	145	41	of	of	ADP
aijbms-112	145	42	f	f	PROPN
aijbms-112	145	43	-	-	PUNCT
aijbms-112	145	44	statistics	statistic	NOUN
aijbms-112	145	45	given	give	VERB
aijbms-112	145	46	in	in	ADP
aijbms-112	145	47	the	the	DET
aijbms-112	145	48	test	test	NOUN
aijbms-112	145	49	result	result	NOUN
aijbms-112	145	50	is	be	AUX
aijbms-112	145	51	less	less	ADJ
aijbms-112	145	52	than	than	ADP
aijbms-112	145	53	0.05	0.05	NUM
aijbms-112	145	54	.	.	PUNCT
aijbms-112	145	55	from	from	ADP
aijbms-112	145	56	table	table	NOUN
aijbms-112	145	57	4.9	4.9	NUM
aijbms-112	145	58	the	the	DET
aijbms-112	145	59	result	result	NOUN
aijbms-112	145	60	shows	show	VERB
aijbms-112	145	61	that	that	SCONJ
aijbms-112	145	62	at	at	ADP
aijbms-112	145	63	5	5	NUM
aijbms-112	145	64	%	%	NOUN
aijbms-112	145	65	level	level	NOUN
aijbms-112	145	66	of	of	ADP
aijbms-112	145	67	significance	significance	NOUN
aijbms-112	145	68	.	.	PUNCT
aijbms-112	146	1	ratio	ratio	NOUN
aijbms-112	146	2	of	of	ADP
aijbms-112	146	3	non	non	ADJ
aijbms-112	146	4	-	-	ADJ
aijbms-112	146	5	performing	performing	ADJ
aijbms-112	146	6	loan	loan	NOUN
aijbms-112	146	7	to	to	ADP
aijbms-112	146	8	total	total	ADJ
aijbms-112	146	9	loan	loan	NOUN
aijbms-112	146	10	(	(	PUNCT
aijbms-112	146	11	npl	npl	NOUN
aijbms-112	146	12	)	)	PUNCT
aijbms-112	146	13	does	do	AUX
aijbms-112	146	14	not	not	PART
aijbms-112	146	15	granger	granger	VERB
aijbms-112	146	16	cause	cause	VERB
aijbms-112	146	17	bank	bank	NOUN
aijbms-112	146	18	performance	performance	NOUN
aijbms-112	146	19	(	(	PUNCT
aijbms-112	146	20	roa	roa	NOUN
aijbms-112	146	21	)	)	PUNCT
aijbms-112	146	22	just	just	ADV
aijbms-112	146	23	as	as	SCONJ
aijbms-112	146	24	roa	roa	PROPN
aijbms-112	146	25	does	do	AUX
aijbms-112	146	26	not	not	PART
aijbms-112	146	27	granger	granger	PROPN
aijbms-112	146	28	npl	npl	PROPN
aijbms-112	146	29	.	.	PUNCT
aijbms-112	147	1	this	this	PRON
aijbms-112	147	2	implies	imply	VERB
aijbms-112	147	3	that	that	SCONJ
aijbms-112	147	4	the	the	DET
aijbms-112	147	5	level	level	NOUN
aijbms-112	147	6	of	of	ADP
aijbms-112	147	7	npl	npl	NOUN
aijbms-112	147	8	in	in	ADP
aijbms-112	147	9	the	the	DET
aijbms-112	147	10	banking	banking	NOUN
aijbms-112	147	11	sector	sector	NOUN
aijbms-112	147	12	can	can	AUX
aijbms-112	147	13	not	not	PART
aijbms-112	147	14	influence	influence	VERB
aijbms-112	147	15	return	return	VERB
aijbms-112	147	16	on	on	ADP
aijbms-112	147	17	assets	asset	NOUN
aijbms-112	147	18	of	of	ADP
aijbms-112	147	19	banking	banking	NOUN
aijbms-112	147	20	institutions	institution	NOUN
aijbms-112	147	21	in	in	ADP
aijbms-112	147	22	nigeria	nigeria	PROPN
aijbms-112	147	23	vice	vice	PROPN
aijbms-112	147	24	versa	versa	ADV
aijbms-112	147	25	.	.	PUNCT
aijbms-112	148	1	this	this	PRON
aijbms-112	148	2	is	be	AUX
aijbms-112	148	3	in	in	ADP
aijbms-112	148	4	line	line	NOUN
aijbms-112	148	5	with	with	ADP
aijbms-112	148	6	the	the	DET
aijbms-112	148	7	work	work	NOUN
aijbms-112	148	8	of	of	ADP
aijbms-112	148	9	lucky	lucky	ADJ
aijbms-112	148	10	and	and	CCONJ
aijbms-112	148	11	nwosi	nwosi	INTJ
aijbms-112	148	12	(	(	PUNCT
aijbms-112	148	13	2015	2015	NUM
aijbms-112	148	14	)	)	PUNCT
aijbms-112	148	15	.	.	PUNCT
aijbms-112	149	1	also	also	ADV
aijbms-112	149	2	the	the	DET
aijbms-112	149	3	result	result	NOUN
aijbms-112	149	4	as	as	SCONJ
aijbms-112	149	5	shown	show	VERB
aijbms-112	149	6	in	in	ADP
aijbms-112	149	7	table	table	NOUN
aijbms-112	149	8	4.5	4.5	NUM
aijbms-112	149	9	reveal	reveal	VERB
aijbms-112	149	10	that	that	SCONJ
aijbms-112	149	11	there	there	PRON
aijbms-112	149	12	is	be	VERB
aijbms-112	149	13	causality	causality	NOUN
aijbms-112	149	14	having	have	VERB
aijbms-112	149	15	from	from	ADP
aijbms-112	149	16	ether	ether	ADJ
aijbms-112	149	17	lat	lat	INTJ
aijbms-112	149	18	to	to	ADP
aijbms-112	149	19	roa	roa	PROPN
aijbms-112	149	20	or	or	CCONJ
aijbms-112	149	21	roa	roa	PROPN
aijbms-112	149	22	to	to	ADP
aijbms-112	149	23	lat	lat	PROPN
aijbms-112	149	24	at	at	ADP
aijbms-112	149	25	2	2	NUM
aijbms-112	149	26	years	year	NOUN
aijbms-112	149	27	lagged	lag	VERB
aijbms-112	149	28	periods	period	NOUN
aijbms-112	149	29	.	.	PUNCT
aijbms-112	150	1	this	this	DET
aijbms-112	150	2	evidence	evidence	NOUN
aijbms-112	150	3	is	be	AUX
aijbms-112	150	4	confirmed	confirm	VERB
aijbms-112	150	5	by	by	ADP
aijbms-112	150	6	the	the	DET
aijbms-112	150	7	probability	probability	NOUN
aijbms-112	150	8	value	value	NOUN
aijbms-112	150	9	at	at	ADP
aijbms-112	150	10	both	both	DET
aijbms-112	150	11	instances	instance	NOUN
aijbms-112	150	12	were	be	AUX
aijbms-112	150	13	less	less	ADJ
aijbms-112	150	14	than	than	ADP
aijbms-112	150	15	0.05	0.05	NUM
aijbms-112	150	16	and	and	CCONJ
aijbms-112	150	17	0.10	0.10	NUM
aijbms-112	150	18	measured	measure	VERB
aijbms-112	150	19	at	at	ADP
aijbms-112	150	20	5	5	NUM
aijbms-112	150	21	%	%	NOUN
aijbms-112	150	22	and	and	CCONJ
aijbms-112	150	23	10	10	NUM
aijbms-112	150	24	%	%	NOUN
aijbms-112	150	25	significance	significance	NOUN
aijbms-112	150	26	level	level	NOUN
aijbms-112	150	27	.	.	PUNCT
aijbms-112	151	1	this	this	PRON
aijbms-112	151	2	suggests	suggest	VERB
aijbms-112	151	3	that	that	SCONJ
aijbms-112	151	4	an	an	DET
aijbms-112	151	5	increase	increase	NOUN
aijbms-112	151	6	in	in	ADP
aijbms-112	151	7	the	the	DET
aijbms-112	151	8	ratio	ratio	NOUN
aijbms-112	151	9	of	of	ADP
aijbms-112	151	10	liquid	liquid	ADJ
aijbms-112	151	11	assets	asset	NOUN
aijbms-112	151	12	to	to	PART
aijbms-112	151	13	total	total	VERB
aijbms-112	151	14	asset	asset	NOUN
aijbms-112	151	15	(	(	PUNCT
aijbms-112	151	16	lat	lat	NOUN
aijbms-112	151	17	)	)	PUNCT
aijbms-112	151	18	will	will	AUX
aijbms-112	151	19	raise	raise	VERB
aijbms-112	151	20	the	the	DET
aijbms-112	151	21	performance	performance	NOUN
aijbms-112	151	22	of	of	ADP
aijbms-112	151	23	bank	bank	NOUN
aijbms-112	151	24	in	in	ADP
aijbms-112	151	25	nigeria	nigeria	PROPN
aijbms-112	151	26	and	and	CCONJ
aijbms-112	151	27	vice	vice	ADV
aijbms-112	151	28	versa	versa	ADV
aijbms-112	151	29	.	.	PUNCT
aijbms-112	152	1	on	on	ADP
aijbms-112	152	2	the	the	DET
aijbms-112	152	3	other	other	ADJ
aijbms-112	152	4	hand	hand	NOUN
aijbms-112	152	5	,	,	PUNCT
aijbms-112	152	6	increase	increase	NOUN
aijbms-112	152	7	in	in	ADP
aijbms-112	152	8	roa	roa	PROPN
aijbms-112	152	9	of	of	ADP
aijbms-112	152	10	nigeria	nigeria	PROPN
aijbms-112	152	11	banks	bank	NOUN
aijbms-112	152	12	will	will	AUX
aijbms-112	152	13	in	in	ADP
aijbms-112	152	14	turn	turn	NOUN
aijbms-112	152	15	translate	translate	VERB
aijbms-112	152	16	into	into	ADP
aijbms-112	152	17	a	a	DET
aijbms-112	152	18	rise	rise	NOUN
aijbms-112	152	19	in	in	ADP
aijbms-112	152	20	liquid	liquid	ADJ
aijbms-112	152	21	assets	asset	NOUN
aijbms-112	152	22	of	of	ADP
aijbms-112	152	23	nigeria	nigeria	PROPN
aijbms-112	152	24	banks	bank	NOUN
aijbms-112	152	25	.	.	PUNCT
aijbms-112	153	1	also	also	ADV
aijbms-112	153	2	,	,	PUNCT
aijbms-112	153	3	increased	increase	VERB
aijbms-112	153	4	performance	performance	NOUN
aijbms-112	153	5	of	of	ADP
aijbms-112	153	6	banks	bank	NOUN
aijbms-112	153	7	can	can	AUX
aijbms-112	153	8	boost	boost	VERB
aijbms-112	153	9	liquidity	liquidity	NOUN
aijbms-112	153	10	of	of	ADP
aijbms-112	153	11	nigeria	nigeria	PROPN
aijbms-112	153	12	banks	bank	NOUN
aijbms-112	153	13	which	which	PRON
aijbms-112	153	14	in	in	ADP
aijbms-112	153	15	turn	turn	NOUN
aijbms-112	153	16	increase	increase	VERB
aijbms-112	153	17	the	the	DET
aijbms-112	153	18	credit	credit	NOUN
aijbms-112	153	19	creation	creation	NOUN
aijbms-112	153	20	ability	ability	NOUN
aijbms-112	153	21	of	of	ADP
aijbms-112	153	22	the	the	DET
aijbms-112	153	23	nigerian	nigerian	ADJ
aijbms-112	153	24	banks	bank	NOUN
aijbms-112	153	25	.	.	PUNCT
aijbms-112	154	1	finally	finally	ADV
aijbms-112	154	2	,	,	PUNCT
aijbms-112	154	3	the	the	DET
aijbms-112	154	4	results	result	NOUN
aijbms-112	154	5	reveal	reveal	VERB
aijbms-112	154	6	the	the	DET
aijbms-112	154	7	case	case	NOUN
aijbms-112	154	8	of	of	ADP
aijbms-112	154	9	a	a	DET
aijbms-112	154	10	unidirectional	unidirectional	ADJ
aijbms-112	154	11	causality	causality	NOUN
aijbms-112	154	12	flowing	flow	VERB
aijbms-112	154	13	from	from	ADP
aijbms-112	154	14	ratio	ratio	NOUN
aijbms-112	154	15	on	on	ADP
aijbms-112	154	16	assets	asset	NOUN
aijbms-112	154	17	(	(	PUNCT
aijbms-112	154	18	roa	roa	NOUN
aijbms-112	154	19	)	)	PUNCT
aijbms-112	154	20	to	to	ADP
aijbms-112	154	21	liquids	liquid	NOUN
aijbms-112	154	22	asset	asset	NOUN
aijbms-112	154	23	to	to	ADP
aijbms-112	154	24	short	short	ADJ
aijbms-112	154	25	term	term	NOUN
aijbms-112	154	26	liabilities	liability	NOUN
aijbms-112	154	27	of	of	ADP
aijbms-112	154	28	nigeria	nigeria	PROPN
aijbms-112	154	29	.	.	PUNCT
aijbms-112	155	1	the	the	DET
aijbms-112	155	2	implication	implication	NOUN
aijbms-112	155	3	of	of	ADP
aijbms-112	155	4	this	this	PRON
aijbms-112	155	5	is	be	AUX
aijbms-112	155	6	that	that	SCONJ
aijbms-112	155	7	an	an	DET
aijbms-112	155	8	increase	increase	NOUN
aijbms-112	155	9	in	in	ADP
aijbms-112	155	10	ratio	ratio	NOUN
aijbms-112	155	11	on	on	ADP
aijbms-112	155	12	assets	asset	NOUN
aijbms-112	155	13	(	(	PUNCT
aijbms-112	155	14	roa	roa	NOUN
aijbms-112	155	15	)	)	PUNCT
aijbms-112	155	16	can	can	AUX
aijbms-112	155	17	boost	boost	VERB
aijbms-112	155	18	banks	bank	NOUN
aijbms-112	155	19	liquidity	liquidity	NOUN
aijbms-112	155	20	to	to	PART
aijbms-112	155	21	meet	meet	VERB
aijbms-112	155	22	short	short	ADJ
aijbms-112	155	23	term	term	NOUN
aijbms-112	155	24	obligation	obligation	NOUN
aijbms-112	155	25	as	as	SCONJ
aijbms-112	155	26	they	they	PRON
aijbms-112	155	27	come	come	VERB
aijbms-112	155	28	due	due	ADJ
aijbms-112	155	29	.	.	PUNCT
aijbms-112	156	1	our	our	PRON
aijbms-112	156	2	finding	finding	NOUN
aijbms-112	156	3	collaborate	collaborate	VERB
aijbms-112	156	4	the	the	DET
aijbms-112	156	5	findings	finding	NOUN
aijbms-112	156	6	(	(	PUNCT
aijbms-112	156	7	kpefan	kpefan	PROPN
aijbms-112	156	8	2013	2013	NUM
aijbms-112	156	9	)	)	PUNCT
aijbms-112	156	10	,	,	PUNCT
aijbms-112	156	11	the	the	DET
aijbms-112	156	12	study	study	NOUN
aijbms-112	156	13	can	can	AUX
aijbms-112	156	14	not	not	PART
aijbms-112	156	15	accept	accept	VERB
aijbms-112	156	16	the	the	DET
aijbms-112	156	17	null	null	ADJ
aijbms-112	156	18	hypothesis	hypothesis	NOUN
aijbms-112	156	19	of	of	ADP
aijbms-112	156	20	no	no	DET
aijbms-112	156	21	causal	causal	NOUN
aijbms-112	156	22	affect	affect	NOUN
aijbms-112	156	23	between	between	ADP
aijbms-112	156	24	asset	asset	NOUN
aijbms-112	156	25	quality	quality	NOUN
aijbms-112	156	26	and	and	CCONJ
aijbms-112	156	27	dmb	dmb	PROPN
aijbms-112	156	28	performance	performance	NOUN
aijbms-112	156	29	in	in	ADP
aijbms-112	156	30	nigeria	nigeria	PROPN
aijbms-112	156	31	.	.	PUNCT
aijbms-112	157	1	by	by	ADP
aijbms-112	157	2	inference	inference	NOUN
aijbms-112	157	3	therefore	therefore	ADV
aijbms-112	157	4	,	,	PUNCT
aijbms-112	157	5	the	the	DET
aijbms-112	157	6	results	result	NOUN
aijbms-112	157	7	shows	show	VERB
aijbms-112	157	8	that	that	SCONJ
aijbms-112	157	9	asset	asset	NOUN
aijbms-112	157	10	quality	quality	NOUN
aijbms-112	157	11	granger	granger	NOUN
aijbms-112	157	12	cause	cause	PROPN
aijbms-112	157	13	and	and	CCONJ
aijbms-112	157	14	influence	influence	NOUN
aijbms-112	157	15	bank	bank	NOUN
aijbms-112	157	16	performance	performance	NOUN
aijbms-112	157	17	in	in	ADP
aijbms-112	157	18	nigeria	nigeria	PROPN
aijbms-112	157	19	.	.	PUNCT
aijbms-112	158	1	table	table	NOUN
aijbms-112	158	2	4.7	4.7	NUM
aijbms-112	158	3	serial	serial	ADJ
aijbms-112	158	4	correlation	correlation	NOUN
aijbms-112	158	5	test	test	NOUN
aijbms-112	158	6	for	for	ADP
aijbms-112	158	7	asset	asset	NOUN
aijbms-112	158	8	quality	quality	NOUN
aijbms-112	158	9	and	and	CCONJ
aijbms-112	158	10	return	return	NOUN
aijbms-112	158	11	on	on	ADP
aijbms-112	158	12	asset	asset	NOUN
aijbms-112	158	13	breusch	breusch	ADJ
aijbms-112	158	14	-	-	PUNCT
aijbms-112	158	15	godfrey	godfrey	NOUN
aijbms-112	158	16	serial	serial	ADJ
aijbms-112	158	17	correlation	correlation	NOUN
aijbms-112	158	18	lm	lm	INTJ
aijbms-112	158	19	test	test	NOUN
aijbms-112	158	20	:	:	PUNCT
aijbms-112	159	1	f	f	X
aijbms-112	159	2	-	-	PUNCT
aijbms-112	159	3	statistic	statistic	VERB
aijbms-112	159	4	0.649016	0.649016	NUM
aijbms-112	159	5	probability	probability	NOUN
aijbms-112	159	6	0.531141	0.531141	NUM
aijbms-112	159	7	obs*r	obs*r	NOUN
aijbms-112	159	8	-	-	PUNCT
aijbms-112	159	9	squared	square	VERB
aijbms-112	159	10	1.530113	1.530113	NUM
aijbms-112	159	11	probability	probability	NOUN
aijbms-112	159	12	0.465308	0.465308	NUM
aijbms-112	159	13	source	source	NOUN
aijbms-112	159	14	:	:	PUNCT
aijbms-112	159	15	e	e	NOUN
aijbms-112	159	16	-	-	NOUN
aijbms-112	159	17	view	view	VERB
aijbms-112	159	18	9.0	9.0	NUM
aijbms-112	159	19	output	output	NOUN
aijbms-112	159	20	the	the	DET
aijbms-112	159	21	results	result	NOUN
aijbms-112	159	22	of	of	ADP
aijbms-112	159	23	the	the	DET
aijbms-112	159	24	breusch	breusch	NOUN
aijbms-112	159	25	-	-	PUNCT
aijbms-112	159	26	godfrey	godfrey	NOUN
aijbms-112	159	27	serial	serial	ADJ
aijbms-112	159	28	correlation	correlation	NOUN
aijbms-112	159	29	lm	lm	X
aijbms-112	159	30	test	test	NOUN
aijbms-112	159	31	as	as	SCONJ
aijbms-112	159	32	presented	present	VERB
aijbms-112	159	33	in	in	ADP
aijbms-112	159	34	table	table	NOUN
aijbms-112	159	35	4.3	4.3	NUM
aijbms-112	159	36	above	above	ADV
aijbms-112	159	37	indicate	indicate	VERB
aijbms-112	159	38	that	that	SCONJ
aijbms-112	159	39	there	there	PRON
aijbms-112	159	40	is	be	VERB
aijbms-112	159	41	problem	problem	NOUN
aijbms-112	159	42	of	of	ADP
aijbms-112	159	43	serial	serial	ADJ
aijbms-112	159	44	correlation	correlation	NOUN
aijbms-112	159	45	among	among	ADP
aijbms-112	159	46	series	series	NOUN
aijbms-112	159	47	.	.	PUNCT
aijbms-112	160	1	this	this	DET
aijbms-112	160	2	evidence	evidence	NOUN
aijbms-112	160	3	is	be	AUX
aijbms-112	160	4	confirmed	confirm	VERB
aijbms-112	160	5	by	by	ADP
aijbms-112	160	6	their	their	PRON
aijbms-112	160	7	respective	respective	ADJ
aijbms-112	160	8	f	f	NOUN
aijbms-112	160	9	-	-	PUNCT
aijbms-112	160	10	statistic	statistic	ADJ
aijbms-112	160	11	and	and	CCONJ
aijbms-112	160	12	observed	observe	VERB
aijbms-112	160	13	*	*	PUNCT
aijbms-112	160	14	statistic	statistic	NOUN
aijbms-112	160	15	together	together	ADV
aijbms-112	160	16	with	with	ADP
aijbms-112	160	17	the	the	DET
aijbms-112	160	18	probabilities	probability	NOUN
aijbms-112	160	19	values	value	NOUN
aijbms-112	160	20	reported	report	VERB
aijbms-112	160	21	to	to	PART
aijbms-112	160	22	be	be	AUX
aijbms-112	160	23	well	well	ADV
aijbms-112	160	24	above	above	ADP
aijbms-112	160	25	the	the	DET
aijbms-112	160	26	conventional	conventional	ADJ
aijbms-112	160	27	level	level	NOUN
aijbms-112	160	28	of	of	ADP
aijbms-112	160	29	significance	significance	NOUN
aijbms-112	160	30	.	.	PUNCT
aijbms-112	161	1	therefore	therefore	ADV
aijbms-112	161	2	the	the	DET
aijbms-112	161	3	hypothesis	hypothesis	NOUN
aijbms-112	161	4	of	of	ADP
aijbms-112	161	5	no	no	DET
aijbms-112	161	6	serial	serial	ADJ
aijbms-112	161	7	correlation	correlation	NOUN
aijbms-112	161	8	will	will	AUX
aijbms-112	161	9	have	have	VERB
aijbms-112	161	10	to	to	PART
aijbms-112	161	11	be	be	AUX
aijbms-112	161	12	accepted	accept	VERB
aijbms-112	161	13	.	.	PUNCT
aijbms-112	162	1	table	table	NOUN
aijbms-112	162	2	4.8	4.8	NUM
aijbms-112	162	3	heteroskedasticity	heteroskedasticity	NOUN
aijbms-112	162	4	test	test	NOUN
aijbms-112	162	5	for	for	ADP
aijbms-112	162	6	asset	asset	NOUN
aijbms-112	162	7	quality	quality	NOUN
aijbms-112	162	8	and	and	CCONJ
aijbms-112	162	9	return	return	VERB
aijbms-112	162	10	on	on	ADP
aijbms-112	162	11	asset	asset	NOUN
aijbms-112	162	12	white	white	ADJ
aijbms-112	162	13	heteroskedasticity	heteroskedasticity	NOUN
aijbms-112	162	14	test	test	NOUN
aijbms-112	162	15	:	:	PUNCT
aijbms-112	163	1	f	f	X
aijbms-112	163	2	-	-	PUNCT
aijbms-112	163	3	statistic	statistic	ADJ
aijbms-112	163	4	0.971848	0.971848	NUM
aijbms-112	163	5	probability	probability	NOUN
aijbms-112	163	6	0.465188	0.465188	NUM
aijbms-112	163	7	obs*r	obs*r	PROPN
aijbms-112	163	8	-	-	PUNCT
aijbms-112	163	9	squared	square	VERB
aijbms-112	163	10	6.059577	6.059577	NUM
aijbms-112	163	11	probability	probability	NOUN
aijbms-112	163	12	0.416549	0.416549	NUM
aijbms-112	163	13	source	source	NOUN
aijbms-112	163	14	:	:	PUNCT
aijbms-112	163	15	e	e	NOUN
aijbms-112	163	16	-	-	NOUN
aijbms-112	163	17	view	view	VERB
aijbms-112	163	18	9.0	9.0	NUM
aijbms-112	163	19	output	output	NOUN
aijbms-112	163	20	the	the	DET
aijbms-112	163	21	heteroskedasticity	heteroskedasticity	NOUN
aijbms-112	163	22	test	test	NOUN
aijbms-112	163	23	results	result	NOUN
aijbms-112	163	24	are	be	AUX
aijbms-112	163	25	presented	present	VERB
aijbms-112	163	26	in	in	ADP
aijbms-112	163	27	table	table	NOUN
aijbms-112	163	28	4.9	4.9	NUM
aijbms-112	163	29	,	,	PUNCT
aijbms-112	163	30	4.10	4.10	NUM
aijbms-112	163	31	and	and	CCONJ
aijbms-112	163	32	4.11	4.11	NUM
aijbms-112	163	33	above	above	ADP
aijbms-112	163	34	.	.	PUNCT
aijbms-112	164	1	from	from	ADP
aijbms-112	164	2	the	the	DET
aijbms-112	164	3	tables	table	NOUN
aijbms-112	164	4	above	above	ADP
aijbms-112	164	5	it	it	PRON
aijbms-112	164	6	shows	show	VERB
aijbms-112	164	7	that	that	SCONJ
aijbms-112	164	8	the	the	DET
aijbms-112	164	9	presences	presence	NOUN
aijbms-112	164	10	of	of	ADP
aijbms-112	164	11	homoscedasticity	homoscedasticity	NOUN
aijbms-112	164	12	among	among	ADP
aijbms-112	164	13	the	the	DET
aijbms-112	164	14	variables	variable	NOUN
aijbms-112	164	15	are	be	AUX
aijbms-112	164	16	overcome	overcome	VERB
aijbms-112	164	17	.	.	PUNCT
aijbms-112	165	1	this	this	PRON
aijbms-112	165	2	is	be	AUX
aijbms-112	165	3	confirmed	confirm	VERB
aijbms-112	165	4	by	by	ADP
aijbms-112	165	5	their	their	PRON
aijbms-112	165	6	respective	respective	ADJ
aijbms-112	165	7	fstatistic	fstatistic	NOUN
aijbms-112	165	8	and	and	CCONJ
aijbms-112	165	9	observed	observe	VERB
aijbms-112	165	10	*	*	VERB
aijbms-112	165	11	statistics	statistic	NOUN
aijbms-112	165	12	together	together	ADV
aijbms-112	165	13	with	with	ADP
aijbms-112	165	14	the	the	DET
aijbms-112	165	15	probabilities	probability	NOUN
aijbms-112	165	16	values	value	NOUN
aijbms-112	165	17	reported	report	VERB
aijbms-112	165	18	to	to	PART
aijbms-112	165	19	be	be	AUX
aijbms-112	165	20	well	well	ADV
aijbms-112	165	21	above	above	ADP
aijbms-112	165	22	the	the	DET
aijbms-112	165	23	conventional	conventional	ADJ
aijbms-112	165	24	probabilities	probability	NOUN
aijbms-112	165	25	value	value	NOUN
aijbms-112	165	26	.	.	PUNCT
aijbms-112	166	1	table	table	NOUN
aijbms-112	166	2	4.9	4.9	NUM
aijbms-112	166	3	stability	stability	NOUN
aijbms-112	166	4	test	test	NOUN
aijbms-112	166	5	for	for	ADP
aijbms-112	166	6	asset	asset	NOUN
aijbms-112	166	7	quality	quality	NOUN
aijbms-112	166	8	and	and	CCONJ
aijbms-112	166	9	return	return	NOUN
aijbms-112	166	10	on	on	ADP
aijbms-112	166	11	asset	asset	NOUN
aijbms-112	166	12	ramsey	ramsey	PROPN
aijbms-112	166	13	reset	reset	NOUN
aijbms-112	166	14	test	test	NOUN
aijbms-112	166	15	:	:	PUNCT
aijbms-112	167	1	f	f	X
aijbms-112	167	2	-	-	PUNCT
aijbms-112	167	3	statistic	statistic	VERB
aijbms-112	167	4	0.121277	0.121277	NUM
aijbms-112	167	5	probability	probability	NOUN
aijbms-112	167	6	0.730458	0.730458	NUM
aijbms-112	167	7	log	log	NOUN
aijbms-112	167	8	likelihood	likelihood	NOUN
aijbms-112	167	9	ratio	ratio	NOUN
aijbms-112	167	10	0.144263	0.144263	NUM
aijbms-112	167	11	probability	probability	NOUN
aijbms-112	167	12	0.704079	0.704079	NUM
aijbms-112	167	13	source	source	NOUN
aijbms-112	167	14	:	:	PUNCT
aijbms-112	167	15	e	e	NOUN
aijbms-112	167	16	-	-	NOUN
aijbms-112	167	17	view	view	VERB
aijbms-112	167	18	9.0	9.0	NUM
aijbms-112	167	19	output	output	NOUN
aijbms-112	167	20	similarly	similarly	ADV
aijbms-112	167	21	,	,	PUNCT
aijbms-112	167	22	the	the	DET
aijbms-112	167	23	ramsey	ramsey	NOUN
aijbms-112	167	24	reset	reset	ADJ
aijbms-112	167	25	functional	functional	ADJ
aijbms-112	167	26	form	form	NOUN
aijbms-112	167	27	test	test	NOUN
aijbms-112	167	28	,	,	PUNCT
aijbms-112	167	29	reported	report	VERB
aijbms-112	167	30	on	on	ADP
aijbms-112	167	31	table	table	NOUN
aijbms-112	167	32	4.5	4.5	NUM
aijbms-112	167	33	above	above	ADV
aijbms-112	167	34	revealed	reveal	VERB
aijbms-112	167	35	that	that	SCONJ
aijbms-112	167	36	model	model	NOUN
aijbms-112	167	37	was	be	AUX
aijbms-112	167	38	properly	properly	ADV
aijbms-112	167	39	specified	specify	VERB
aijbms-112	167	40	and	and	CCONJ
aijbms-112	167	41	is	be	AUX
aijbms-112	167	42	in	in	ADP
aijbms-112	167	43	the	the	DET
aijbms-112	167	44	appropriate	appropriate	ADJ
aijbms-112	167	45	form	form	NOUN
aijbms-112	167	46	.	.	PUNCT
aijbms-112	168	1	the	the	DET
aijbms-112	168	2	f	f	NOUN
aijbms-112	168	3	-	-	PUNCT
aijbms-112	168	4	statistic	statistic	ADJ
aijbms-112	168	5	and	and	CCONJ
aijbms-112	168	6	observed	observe	VERB
aijbms-112	168	7	*	*	PUNCT
aijbms-112	168	8	r	r	X
aijbms-112	168	9	-	-	PUNCT
aijbms-112	168	10	squared	square	VERB
aijbms-112	168	11	statistics	statistic	NOUN
aijbms-112	168	12	revealed	reveal	VERB
aijbms-112	168	13	probabilities	probability	NOUN
aijbms-112	168	14	of	of	ADP
aijbms-112	168	15	0.730	0.730	NUM
aijbms-112	168	16	and	and	CCONJ
aijbms-112	168	17	0.704	0.704	NUM
aijbms-112	168	18	respectively	respectively	ADV
aijbms-112	168	19	and	and	CCONJ
aijbms-112	168	20	these	these	PRON
aijbms-112	168	21	are	be	AUX
aijbms-112	168	22	well	well	ADV
aijbms-112	168	23	above	above	ADP
aijbms-112	168	24	the	the	DET
aijbms-112	168	25	conventional	conventional	ADJ
aijbms-112	168	26	levels	level	NOUN
aijbms-112	168	27	of	of	ADP
aijbms-112	168	28	acceptance	acceptance	NOUN
aijbms-112	168	29	.	.	PUNCT
aijbms-112	169	1	thus	thus	ADV
aijbms-112	169	2	we	we	PRON
aijbms-112	169	3	reject	reject	VERB
aijbms-112	169	4	a	a	DET
aijbms-112	169	5	null	null	ADJ
aijbms-112	169	6	hypothesis	hypothesis	NOUN
aijbms-112	169	7	of	of	ADP
aijbms-112	169	8	inappropriate	inappropriate	ADJ
aijbms-112	169	9	functional	functional	ADJ
aijbms-112	169	10	form	form	NOUN
aijbms-112	169	11	.	.	PUNCT
aijbms-112	170	1	we	we	PRON
aijbms-112	170	2	have	have	VERB
aijbms-112	170	3	no	no	DET
aijbms-112	170	4	reason	reason	NOUN
aijbms-112	170	5	to	to	PART
aijbms-112	170	6	worry	worry	VERB
aijbms-112	170	7	about	about	ADP
aijbms-112	170	8	mis	mis	NOUN
aijbms-112	170	9	-	-	PUNCT
aijbms-112	170	10	specification	specification	NOUN
aijbms-112	170	11	problem	problem	NOUN
aijbms-112	170	12	.	.	PUNCT
aijbms-112	171	1	discussion	discussion	NOUN
aijbms-112	171	2	of	of	ADP
aijbms-112	171	3	finding	find	VERB
aijbms-112	171	4	as	as	ADP
aijbms-112	171	5	earlier	early	ADV
aijbms-112	171	6	discussed	discuss	VERB
aijbms-112	171	7	,	,	PUNCT
aijbms-112	171	8	the	the	DET
aijbms-112	171	9	study	study	NOUN
aijbms-112	171	10	is	be	AUX
aijbms-112	171	11	an	an	DET
aijbms-112	171	12	attempt	attempt	NOUN
aijbms-112	171	13	to	to	PART
aijbms-112	171	14	examine	examine	VERB
aijbms-112	171	15	the	the	DET
aijbms-112	171	16	effect	effect	NOUN
aijbms-112	171	17	of	of	ADP
aijbms-112	171	18	asset	asset	NOUN
aijbms-112	171	19	quality	quality	NOUN
aijbms-112	171	20	on	on	ADP
aijbms-112	171	21	deposit	deposit	NOUN
aijbms-112	171	22	money	money	NOUN
aijbms-112	171	23	bank	bank	NOUN
aijbms-112	171	24	performance	performance	NOUN
aijbms-112	171	25	.	.	PUNCT
aijbms-112	172	1	the	the	DET
aijbms-112	172	2	result	result	NOUN
aijbms-112	172	3	of	of	ADP
aijbms-112	172	4	the	the	DET
aijbms-112	172	5	study	study	NOUN
aijbms-112	172	6	discovered	discover	VERB
aijbms-112	172	7	that	that	SCONJ
aijbms-112	172	8	in	in	ADP
aijbms-112	172	9	the	the	DET
aijbms-112	172	10	long	long	ADJ
aijbms-112	172	11	run	run	NOUN
aijbms-112	172	12	there	there	PRON
aijbms-112	172	13	is	be	VERB
aijbms-112	172	14	a	a	DET
aijbms-112	172	15	significant	significant	ADJ
aijbms-112	172	16	relationship	relationship	NOUN
aijbms-112	172	17	between	between	ADP
aijbms-112	172	18	asset	asset	NOUN
aijbms-112	172	19	quality	quality	NOUN
aijbms-112	172	20	and	and	CCONJ
aijbms-112	172	21	deposit	deposit	NOUN
aijbms-112	172	22	money	money	NOUN
aijbms-112	172	23	bank	bank	NOUN
aijbms-112	172	24	performance	performance	NOUN
aijbms-112	172	25	in	in	ADP
aijbms-112	172	26	nigeria	nigeria	PROPN
aijbms-112	172	27	.	.	PUNCT
aijbms-112	173	1	this	this	PRON
aijbms-112	173	2	explicitly	explicitly	ADV
aijbms-112	173	3	rules	rule	VERB
aijbms-112	173	4	out	out	ADP
aijbms-112	173	5	the	the	DET
aijbms-112	173	6	acceptance	acceptance	NOUN
aijbms-112	173	7	of	of	ADP
aijbms-112	173	8	the	the	DET
aijbms-112	173	9	null	null	ADJ
aijbms-112	173	10	hypothesis	hypothesis	NOUN
aijbms-112	173	11	of	of	ADP
aijbms-112	173	12	no	no	DET
aijbms-112	173	13	evidence	evidence	NOUN
aijbms-112	173	14	of	of	ADP
aijbms-112	173	15	co	co	NOUN
aijbms-112	173	16	-	-	NOUN
aijbms-112	173	17	integration	integration	NOUN
aijbms-112	173	18	between	between	ADP
aijbms-112	173	19	the	the	DET
aijbms-112	173	20	variable	variable	NOUN
aijbms-112	173	21	of	of	ADP
aijbms-112	173	22	study	study	NOUN
aijbms-112	173	23	.	.	PUNCT
aijbms-112	174	1	this	this	DET
aijbms-112	174	2	submission	submission	NOUN
aijbms-112	174	3	is	be	AUX
aijbms-112	174	4	line	line	NOUN
aijbms-112	174	5	with	with	ADP
aijbms-112	174	6	the	the	DET
aijbms-112	174	7	submission	submission	NOUN
aijbms-112	174	8	of	of	ADP
aijbms-112	174	9	lucky	lucky	ADJ
aijbms-112	174	10	&	&	CCONJ
aijbms-112	174	11	nwosi	nwosi	PROPN
aijbms-112	174	12	(	(	PUNCT
aijbms-112	174	13	2015	2015	NUM
aijbms-112	174	14	)	)	PUNCT
aijbms-112	174	15	.	.	PUNCT
aijbms-112	175	1	following	follow	VERB
aijbms-112	175	2	the	the	DET
aijbms-112	175	3	consistency	consistency	NOUN
aijbms-112	175	4	of	of	ADP
aijbms-112	175	5	the	the	DET
aijbms-112	175	6	ordinary	ordinary	ADJ
aijbms-112	175	7	least	least	ADJ
aijbms-112	175	8	square	square	ADJ
aijbms-112	175	9	(	(	PUNCT
aijbms-112	175	10	ols	ol	NOUN
aijbms-112	175	11	)	)	PUNCT
aijbms-112	175	12	result	result	NOUN
aijbms-112	175	13	and	and	CCONJ
aijbms-112	175	14	notwithstanding	notwithstanding	ADP
aijbms-112	175	15	the	the	DET
aijbms-112	175	16	contentions	contention	NOUN
aijbms-112	175	17	of	of	ADP
aijbms-112	175	18	current	current	ADJ
aijbms-112	175	19	theoretical	theoretical	ADJ
aijbms-112	175	20	thoughts	thought	NOUN
aijbms-112	175	21	,	,	PUNCT
aijbms-112	175	22	the	the	DET
aijbms-112	175	23	results	result	NOUN
aijbms-112	175	24	of	of	ADP
aijbms-112	175	25	regression	regression	NOUN
aijbms-112	175	26	technique	technique	NOUN
aijbms-112	175	27	is	be	AUX
aijbms-112	175	28	not	not	PART
aijbms-112	175	29	sufficient	sufficient	ADJ
aijbms-112	175	30	to	to	PART
aijbms-112	175	31	establish	establish	VERB
aijbms-112	175	32	causality	causality	NOUN
aijbms-112	175	33	,	,	PUNCT
aijbms-112	175	34	this	this	PRON
aijbms-112	175	35	we	we	PRON
aijbms-112	175	36	can	can	AUX
aijbms-112	175	37	not	not	PART
aijbms-112	175	38	immediately	immediately	ADV
aijbms-112	175	39	conclude	conclude	VERB
aijbms-112	175	40	that	that	SCONJ
aijbms-112	175	41	asset	asset	NOUN
aijbms-112	175	42	quality	quality	NOUN
aijbms-112	175	43	or	or	CCONJ
aijbms-112	175	44	its	its	PRON
aijbms-112	175	45	variables	variable	NOUN
aijbms-112	175	46	(	(	PUNCT
aijbms-112	175	47	npl	npl	PROPN
aijbms-112	175	48	,	,	PUNCT
aijbms-112	175	49	lat	lat	NOUN
aijbms-112	175	50	and	and	CCONJ
aijbms-112	175	51	las	las	PROPN
aijbms-112	175	52	)	)	PUNCT
aijbms-112	175	53	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	175	54	american	american	PROPN
aijbms-112	175	55	international	international	PROPN
aijbms-112	175	56	journal	journal	PROPN
aijbms-112	175	57	of	of	ADP
aijbms-112	175	58	business	business	NOUN
aijbms-112	175	59	and	and	CCONJ
aijbms-112	175	60	management	management	NOUN
aijbms-112	175	61	studies	study	NOUN
aijbms-112	175	62	vol	vol	NOUN
aijbms-112	175	63	.	.	PROPN
aijbms-112	176	1	1	1	NUM
aijbms-112	176	2	,	,	PUNCT
aijbms-112	176	3	no	no	INTJ
aijbms-112	176	4	.	.	NOUN
aijbms-112	176	5	1	1	NUM
aijbms-112	176	6	;	;	PUNCT
aijbms-112	176	7	2019	2019	NUM
aijbms-112	176	8	45	45	NUM
aijbms-112	176	9	does	do	VERB
aijbms-112	176	10	significantly	significantly	ADV
aijbms-112	176	11	and	and	CCONJ
aijbms-112	176	12	positively	positively	ADV
aijbms-112	176	13	influence	influence	VERB
aijbms-112	176	14	deposit	deposit	NOUN
aijbms-112	176	15	money	money	NOUN
aijbms-112	176	16	bank	bank	NOUN
aijbms-112	176	17	performance	performance	NOUN
aijbms-112	176	18	in	in	ADP
aijbms-112	176	19	nigeria	nigeria	PROPN
aijbms-112	176	20	measured	measure	VERB
aijbms-112	176	21	by	by	ADP
aijbms-112	176	22	return	return	NOUN
aijbms-112	176	23	of	of	ADP
aijbms-112	176	24	asset	asset	NOUN
aijbms-112	176	25	(	(	PUNCT
aijbms-112	176	26	roa	roa	PROPN
aijbms-112	176	27	)	)	PUNCT
aijbms-112	176	28	.	.	PUNCT
aijbms-112	177	1	it	it	PRON
aijbms-112	177	2	is	be	AUX
aijbms-112	177	3	in	in	ADP
aijbms-112	177	4	this	this	DET
aijbms-112	177	5	regard	regard	NOUN
aijbms-112	177	6	that	that	SCONJ
aijbms-112	177	7	the	the	DET
aijbms-112	177	8	third	third	ADJ
aijbms-112	177	9	hypothesis	hypothesis	NOUN
aijbms-112	177	10	was	be	AUX
aijbms-112	177	11	postulated	postulate	VERB
aijbms-112	177	12	.	.	PUNCT
aijbms-112	178	1	as	as	SCONJ
aijbms-112	178	2	identified	identify	VERB
aijbms-112	178	3	in	in	ADP
aijbms-112	178	4	third	third	ADJ
aijbms-112	178	5	hypothesis	hypothesis	NOUN
aijbms-112	178	6	which	which	PRON
aijbms-112	178	7	was	be	AUX
aijbms-112	178	8	formulated	formulate	VERB
aijbms-112	178	9	in	in	ADP
aijbms-112	178	10	the	the	DET
aijbms-112	178	11	null	null	ADJ
aijbms-112	178	12	form	form	NOUN
aijbms-112	178	13	of	of	ADP
aijbms-112	178	14	no	no	DET
aijbms-112	178	15	causality	causality	NOUN
aijbms-112	178	16	between	between	ADP
aijbms-112	178	17	asset	asset	NOUN
aijbms-112	178	18	quality	quality	NOUN
aijbms-112	178	19	and	and	CCONJ
aijbms-112	178	20	deposit	deposit	NOUN
aijbms-112	178	21	money	money	NOUN
aijbms-112	178	22	bank	bank	NOUN
aijbms-112	178	23	performance	performance	NOUN
aijbms-112	178	24	is	be	AUX
aijbms-112	178	25	rejected	reject	VERB
aijbms-112	178	26	in	in	ADP
aijbms-112	178	27	place	place	NOUN
aijbms-112	178	28	of	of	ADP
aijbms-112	178	29	the	the	DET
aijbms-112	178	30	alternative	alternative	NOUN
aijbms-112	178	31	.	.	PUNCT
aijbms-112	179	1	this	this	PRON
aijbms-112	179	2	is	be	AUX
aijbms-112	179	3	confirmed	confirm	VERB
aijbms-112	179	4	by	by	ADP
aijbms-112	179	5	the	the	DET
aijbms-112	179	6	probability	probability	NOUN
aijbms-112	179	7	value	value	NOUN
aijbms-112	179	8	of	of	ADP
aijbms-112	179	9	the	the	DET
aijbms-112	179	10	result	result	NOUN
aijbms-112	179	11	of	of	ADP
aijbms-112	179	12	the	the	DET
aijbms-112	179	13	study	study	NOUN
aijbms-112	179	14	finding	finding	NOUN
aijbms-112	179	15	is	be	AUX
aijbms-112	179	16	in	in	ADP
aijbms-112	179	17	line	line	NOUN
aijbms-112	179	18	with	with	ADP
aijbms-112	179	19	the	the	DET
aijbms-112	179	20	findings	finding	NOUN
aijbms-112	179	21	of	of	ADP
aijbms-112	179	22	lucky	lucky	PROPN
aijbms-112	179	23	&	&	CCONJ
aijbms-112	179	24	nwosi	nwosi	PROPN
aijbms-112	179	25	(	(	PUNCT
aijbms-112	179	26	2015	2015	NUM
aijbms-112	179	27	)	)	PUNCT
aijbms-112	179	28	.	.	PUNCT
aijbms-112	180	1	but	but	CCONJ
aijbms-112	180	2	generally	generally	ADV
aijbms-112	180	3	,	,	PUNCT
aijbms-112	180	4	the	the	DET
aijbms-112	180	5	models	model	NOUN
aijbms-112	180	6	were	be	AUX
aijbms-112	180	7	discovered	discover	VERB
aijbms-112	180	8	to	to	PART
aijbms-112	180	9	be	be	AUX
aijbms-112	180	10	statistically	statistically	ADV
aijbms-112	180	11	significant	significant	ADJ
aijbms-112	180	12	and	and	CCONJ
aijbms-112	180	13	asset	asset	NOUN
aijbms-112	180	14	quality	quality	NOUN
aijbms-112	180	15	of	of	ADP
aijbms-112	180	16	banks	bank	NOUN
aijbms-112	180	17	were	be	AUX
aijbms-112	180	18	discovered	discover	VERB
aijbms-112	180	19	to	to	PART
aijbms-112	180	20	account	account	VERB
aijbms-112	180	21	for	for	ADP
aijbms-112	180	22	variation	variation	NOUN
aijbms-112	180	23	in	in	ADP
aijbms-112	180	24	deposit	deposit	NOUN
aijbms-112	180	25	money	money	NOUN
aijbms-112	180	26	banks	bank	NOUN
aijbms-112	180	27	performance	performance	NOUN
aijbms-112	180	28	in	in	ADP
aijbms-112	180	29	nigeria	nigeria	PROPN
aijbms-112	180	30	which	which	PRON
aijbms-112	180	31	goes	go	VERB
aijbms-112	180	32	in	in	ADP
aijbms-112	180	33	line	line	NOUN
aijbms-112	180	34	with	with	ADP
aijbms-112	180	35	findings	finding	NOUN
aijbms-112	180	36	from	from	ADP
aijbms-112	180	37	scholars	scholar	NOUN
aijbms-112	180	38	like	like	ADP
aijbms-112	180	39	abata	abata	NOUN
aijbms-112	180	40	(	(	PUNCT
aijbms-112	180	41	2014	2014	NUM
aijbms-112	180	42	)	)	PUNCT
aijbms-112	180	43	;	;	PUNCT
aijbms-112	180	44	vighneswara	vighneswara	NOUN
aijbms-112	180	45	(	(	PUNCT
aijbms-112	180	46	2015	2015	NUM
aijbms-112	180	47	)	)	PUNCT
aijbms-112	180	48	and	and	CCONJ
aijbms-112	180	49	lucky	lucky	ADJ
aijbms-112	180	50	&	&	CCONJ
aijbms-112	180	51	nwosi	nwosi	PROPN
aijbms-112	180	52	(	(	PUNCT
aijbms-112	180	53	2015	2015	NUM
aijbms-112	180	54	)	)	PUNCT
aijbms-112	180	55	.	.	PUNCT
aijbms-112	181	1	conclusion	conclusion	NOUN
aijbms-112	181	2	and	and	CCONJ
aijbms-112	181	3	recommendations	recommendation	NOUN
aijbms-112	181	4	conclusion	conclusion	VERB
aijbms-112	181	5	conclusively	conclusively	ADV
aijbms-112	181	6	,	,	PUNCT
aijbms-112	181	7	it	it	PRON
aijbms-112	181	8	can	can	AUX
aijbms-112	181	9	be	be	AUX
aijbms-112	181	10	deduced	deduce	VERB
aijbms-112	181	11	that	that	SCONJ
aijbms-112	181	12	there	there	PRON
aijbms-112	181	13	is	be	VERB
aijbms-112	181	14	a	a	DET
aijbms-112	181	15	significant	significant	ADJ
aijbms-112	181	16	relationship	relationship	NOUN
aijbms-112	181	17	existing	exist	VERB
aijbms-112	181	18	between	between	ADP
aijbms-112	181	19	asset	asset	NOUN
aijbms-112	181	20	quality	quality	NOUN
aijbms-112	181	21	and	and	CCONJ
aijbms-112	181	22	dmbs	dmb	NOUN
aijbms-112	181	23	performance	performance	NOUN
aijbms-112	181	24	in	in	ADP
aijbms-112	181	25	nigeria	nigeria	PROPN
aijbms-112	181	26	.	.	PUNCT
aijbms-112	182	1	this	this	PRON
aijbms-112	182	2	agrees	agree	VERB
aijbms-112	182	3	with	with	ADP
aijbms-112	182	4	the	the	DET
aijbms-112	182	5	fact	fact	NOUN
aijbms-112	182	6	that	that	SCONJ
aijbms-112	182	7	good	good	ADJ
aijbms-112	182	8	assets	asset	NOUN
aijbms-112	182	9	quality	quality	NOUN
aijbms-112	182	10	is	be	AUX
aijbms-112	182	11	relevant	relevant	ADJ
aijbms-112	182	12	to	to	ADP
aijbms-112	182	13	the	the	DET
aijbms-112	182	14	deposit	deposit	NOUN
aijbms-112	182	15	money	money	NOUN
aijbms-112	182	16	banks	bank	NOUN
aijbms-112	182	17	(	(	PUNCT
aijbms-112	182	18	dmbs	dmb	NOUN
aijbms-112	182	19	)	)	PUNCT
aijbms-112	182	20	performance	performance	NOUN
aijbms-112	182	21	.	.	PUNCT
aijbms-112	183	1	furthermore	furthermore	ADV
aijbms-112	183	2	,	,	PUNCT
aijbms-112	183	3	maintaining	maintain	VERB
aijbms-112	183	4	sound	sound	ADJ
aijbms-112	183	5	assets	asset	NOUN
aijbms-112	183	6	quality	quality	NOUN
aijbms-112	183	7	position	position	NOUN
aijbms-112	183	8	is	be	AUX
aijbms-112	183	9	critical	critical	ADJ
aijbms-112	183	10	to	to	ADP
aijbms-112	183	11	the	the	DET
aijbms-112	183	12	long	long	ADJ
aijbms-112	183	13	term	term	NOUN
aijbms-112	183	14	performance	performance	NOUN
aijbms-112	183	15	,	,	PUNCT
aijbms-112	183	16	survival	survival	NOUN
aijbms-112	183	17	and	and	CCONJ
aijbms-112	183	18	sustainability	sustainability	NOUN
aijbms-112	183	19	of	of	ADP
aijbms-112	183	20	dmbs	dmb	NOUN
aijbms-112	183	21	in	in	ADP
aijbms-112	183	22	nigeria	nigeria	PROPN
aijbms-112	183	23	.	.	PUNCT
aijbms-112	184	1	recommendations	recommendation	NOUN
aijbms-112	184	2	the	the	DET
aijbms-112	184	3	following	follow	VERB
aijbms-112	184	4	recommendations	recommendation	NOUN
aijbms-112	184	5	are	be	AUX
aijbms-112	184	6	made	make	VERB
aijbms-112	184	7	in	in	ADP
aijbms-112	184	8	this	this	DET
aijbms-112	184	9	study	study	NOUN
aijbms-112	184	10	:	:	PUNCT
aijbms-112	184	11	i	i	PRON
aijbms-112	184	12	managers	manager	NOUN
aijbms-112	184	13	of	of	ADP
aijbms-112	184	14	banks	bank	NOUN
aijbms-112	184	15	should	should	AUX
aijbms-112	184	16	encourage	encourage	VERB
aijbms-112	184	17	activities	activity	NOUN
aijbms-112	184	18	that	that	PRON
aijbms-112	184	19	will	will	AUX
aijbms-112	184	20	promote	promote	VERB
aijbms-112	184	21	dmbs	dmb	NOUN
aijbms-112	184	22	liquidity	liquidity	NOUN
aijbms-112	184	23	which	which	PRON
aijbms-112	184	24	will	will	AUX
aijbms-112	184	25	be	be	AUX
aijbms-112	184	26	used	use	VERB
aijbms-112	184	27	to	to	PART
aijbms-112	184	28	meet	meet	VERB
aijbms-112	184	29	customers	customer	NOUN
aijbms-112	184	30	run	run	VERB
aijbms-112	184	31	on	on	ADP
aijbms-112	184	32	the	the	DET
aijbms-112	184	33	banks	bank	NOUN
aijbms-112	184	34	and	and	CCONJ
aijbms-112	184	35	other	other	ADJ
aijbms-112	184	36	short	short	ADJ
aijbms-112	184	37	term	term	NOUN
aijbms-112	184	38	obligation	obligation	NOUN
aijbms-112	184	39	.	.	PUNCT
aijbms-112	185	1	ii	ii	PROPN
aijbms-112	185	2	managers	manager	NOUN
aijbms-112	185	3	of	of	ADP
aijbms-112	185	4	banks	bank	NOUN
aijbms-112	185	5	should	should	AUX
aijbms-112	185	6	continue	continue	VERB
aijbms-112	185	7	practice	practice	NOUN
aijbms-112	185	8	prudent	prudent	ADJ
aijbms-112	185	9	credit	credit	NOUN
aijbms-112	185	10	risk	risk	NOUN
aijbms-112	185	11	management	management	NOUN
aijbms-112	185	12	to	to	PART
aijbms-112	185	13	safeguard	safeguard	VERB
aijbms-112	185	14	assets	asset	NOUN
aijbms-112	185	15	and	and	CCONJ
aijbms-112	185	16	protect	protect	VERB
aijbms-112	185	17	interests	interest	NOUN
aijbms-112	185	18	of	of	ADP
aijbms-112	185	19	the	the	DET
aijbms-112	185	20	investors	investor	NOUN
aijbms-112	185	21	.	.	PUNCT
aijbms-112	186	1	iii	iii	NUM
aijbms-112	186	2	banks	bank	NOUN
aijbms-112	186	3	should	should	AUX
aijbms-112	186	4	from	from	ADP
aijbms-112	186	5	time	time	NOUN
aijbms-112	186	6	to	to	ADP
aijbms-112	186	7	time	time	NOUN
aijbms-112	186	8	review	review	VERB
aijbms-112	186	9	their	their	PRON
aijbms-112	186	10	credit	credit	NOUN
aijbms-112	186	11	pokey	pokey	ADJ
aijbms-112	186	12	to	to	PART
aijbms-112	186	13	further	far	ADV
aijbms-112	186	14	reduce	reduce	VERB
aijbms-112	186	15	the	the	DET
aijbms-112	186	16	incidence	incidence	NOUN
aijbms-112	186	17	of	of	ADP
aijbms-112	186	18	bad	bad	ADJ
aijbms-112	186	19	loans	loan	NOUN
aijbms-112	186	20	.	.	PUNCT
aijbms-112	187	1	references	reference	NOUN
aijbms-112	187	2	abata	abata	NOUN
aijbms-112	187	3	,	,	PUNCT
aijbms-112	187	4	m.	m.	NOUN
aijbms-112	187	5	a.	a.	PROPN
aijbms-112	187	6	,	,	PUNCT
aijbms-112	187	7	(	(	PUNCT
aijbms-112	187	8	2014	2014	NUM
aijbms-112	187	9	)	)	PUNCT
aijbms-112	187	10	.	.	PUNCT
aijbms-112	188	1	assets	asset	NOUN
aijbms-112	188	2	quality	quality	NOUN
aijbms-112	188	3	and	and	CCONJ
aijbms-112	188	4	bank	bank	NOUN
aijbms-112	188	5	performance	performance	NOUN
aijbms-112	188	6	:	:	PUNCT
aijbms-112	188	7	a	a	DET
aijbms-112	188	8	study	study	NOUN
aijbms-112	188	9	of	of	ADP
aijbms-112	188	10	commercial	commercial	ADJ
aijbms-112	188	11	banks	bank	NOUN
aijbms-112	188	12	in	in	ADP
aijbms-112	188	13	nigeria	nigeria	PROPN
aijbms-112	188	14	.	.	PUNCT
aijbms-112	189	1	research	research	NOUN
aijbms-112	189	2	journal	journal	PROPN
aijbms-112	189	3	of	of	ADP
aijbms-112	189	4	finance	finance	NOUN
aijbms-112	189	5	and	and	CCONJ
aijbms-112	189	6	accounting	accounting	NOUN
aijbms-112	189	7	,	,	PUNCT
aijbms-112	189	8	5	5	NUM
aijbms-112	189	9	(	(	PUNCT
aijbms-112	189	10	18	18	NUM
aijbms-112	189	11	)	)	PUNCT
aijbms-112	189	12	,	,	PUNCT
aijbms-112	189	13	39	39	NUM
aijbms-112	189	14	–	–	SYM
aijbms-112	189	15	44	44	NUM
aijbms-112	189	16	.	.	PUNCT
aijbms-112	190	1	achou	achou	PROPN
aijbms-112	190	2	,	,	PUNCT
aijbms-112	190	3	f.	f.	PROPN
aijbms-112	190	4	t.	t.	PROPN
aijbms-112	190	5	&	&	CCONJ
aijbms-112	190	6	tegnuh	tegnuh	PROPN
aijbms-112	190	7	,	,	PUNCT
aijbms-112	190	8	n.	n.	PROPN
aijbms-112	190	9	c.	c.	PROPN
aijbms-112	190	10	(	(	PUNCT
aijbms-112	190	11	2008	2008	NUM
aijbms-112	190	12	)	)	PUNCT
aijbms-112	190	13	.	.	PUNCT
aijbms-112	191	1	bank	bank	NOUN
aijbms-112	191	2	performance	performance	NOUN
aijbms-112	191	3	and	and	CCONJ
aijbms-112	191	4	credit	credit	NOUN
aijbms-112	191	5	risk	risk	NOUN
aijbms-112	191	6	management	management	NOUN
aijbms-112	191	7	.	.	PUNCT
aijbms-112	192	1	master	master	NOUN
aijbms-112	192	2	degree	degree	NOUN
aijbms-112	192	3	project	project	NOUN
aijbms-112	192	4	school	school	NOUN
aijbms-112	192	5	of	of	ADP
aijbms-112	192	6	technology	technology	NOUN
aijbms-112	192	7	and	and	CCONJ
aijbms-112	192	8	society	society	NOUN
aijbms-112	192	9	,	,	PUNCT
aijbms-112	192	10	university	university	NOUN
aijbms-112	192	11	of	of	ADP
aijbms-112	192	12	skovde	skovde	PROPN
aijbms-112	192	13	press	press	PROPN
aijbms-112	192	14	.	.	PUNCT
aijbms-112	193	1	adeyemi	adeyemi	ADV
aijbms-112	193	2	,	,	PUNCT
aijbms-112	193	3	b.	b.	PROPN
aijbms-112	193	4	(	(	PUNCT
aijbms-112	193	5	2011	2011	NUM
aijbms-112	193	6	)	)	PUNCT
aijbms-112	193	7	.	.	PUNCT
aijbms-112	194	1	bank	bank	NOUN
aijbms-112	194	2	failure	failure	NOUN
aijbms-112	194	3	in	in	ADP
aijbms-112	194	4	nigeria	nigeria	PROPN
aijbms-112	194	5	:	:	PUNCT
aijbms-112	194	6	consequences	consequence	NOUN
aijbms-112	194	7	of	of	ADP
aijbms-112	194	8	capital	capital	NOUN
aijbms-112	194	9	inadequacy	inadequacy	NOUN
aijbms-112	194	10	,	,	PUNCT
aijbms-112	194	11	lack	lack	NOUN
aijbms-112	194	12	of	of	ADP
aijbms-112	194	13	transparency	transparency	NOUN
aijbms-112	194	14	and	and	CCONJ
aijbms-112	194	15	non	non	ADJ
aijbms-112	194	16	-	-	ADJ
aijbms-112	194	17	performing	perform	VERB
aijbms-112	194	18	loans	loan	NOUN
aijbms-112	194	19	.	.	PUNCT
aijbms-112	195	1	banks	bank	NOUN
aijbms-112	195	2	and	and	CCONJ
aijbms-112	195	3	bank	bank	NOUN
aijbms-112	195	4	systems	system	NOUN
aijbms-112	195	5	,	,	PUNCT
aijbms-112	195	6	6(1	6(1	NUM
aijbms-112	195	7	)	)	PUNCT
aijbms-112	195	8	,	,	PUNCT
aijbms-112	195	9	99	99	NUM
aijbms-112	195	10	-	-	SYM
aijbms-112	195	11	109	109	NUM
aijbms-112	195	12	.	.	PUNCT
aijbms-112	196	1	chisti	chisti	PROPN
aijbms-112	196	2	,	,	PUNCT
aijbms-112	196	3	k.a	k.a	PROPN
aijbms-112	196	4	.	.	PROPN
aijbms-112	196	5	,	,	PUNCT
aijbms-112	196	6	(	(	PUNCT
aijbms-112	196	7	2012	2012	NUM
aijbms-112	196	8	)	)	PUNCT
aijbms-112	196	9	.	.	PUNCT
aijbms-112	197	1	the	the	DET
aijbms-112	197	2	impact	impact	NOUN
aijbms-112	197	3	of	of	ADP
aijbms-112	197	4	asset	asset	NOUN
aijbms-112	197	5	quality	quality	NOUN
aijbms-112	197	6	on	on	ADP
aijbms-112	197	7	profitability	profitability	NOUN
aijbms-112	197	8	of	of	ADP
aijbms-112	197	9	private	private	ADJ
aijbms-112	197	10	banks	bank	NOUN
aijbms-112	197	11	in	in	ADP
aijbms-112	197	12	india	india	PROPN
aijbms-112	197	13	.	.	PUNCT
aijbms-112	197	14	journal	journal	PROPN
aijbms-112	197	15	of	of	ADP
aijbms-112	197	16	african	african	ADJ
aijbms-112	197	17	macroeconomic	macroeconomic	ADJ
aijbms-112	197	18	review	review	NOUN
aijbms-112	197	19	2(1	2(1	NUM
aijbms-112	197	20	)	)	PUNCT
aijbms-112	197	21	,	,	PUNCT
aijbms-112	197	22	126	126	NUM
aijbms-112	197	23	-	-	SYM
aijbms-112	197	24	146	146	NUM
aijbms-112	197	25	.	.	PUNCT
aijbms-112	198	1	ezeohua	ezeohua	PROPN
aijbms-112	198	2	,	,	PUNCT
aijbms-112	198	3	a.e	a.e	PROPN
aijbms-112	198	4	.	.	PROPN
aijbms-112	198	5	,	,	PUNCT
aijbms-112	198	6	(	(	PUNCT
aijbms-112	198	7	2011	2011	NUM
aijbms-112	198	8	)	)	PUNCT
aijbms-112	198	9	.	.	PUNCT
aijbms-112	199	1	banking	banking	NOUN
aijbms-112	199	2	consolidation	consolidation	NOUN
aijbms-112	199	3	,	,	PUNCT
aijbms-112	199	4	credit	credit	NOUN
aijbms-112	199	5	crisis	crisis	NOUN
aijbms-112	199	6	and	and	CCONJ
aijbms-112	199	7	assets	asset	NOUN
aijbms-112	199	8	quality	quality	NOUN
aijbms-112	199	9	in	in	ADP
aijbms-112	199	10	a	a	DET
aijbms-112	199	11	fragile	fragile	ADJ
aijbms-112	199	12	banking	banking	NOUN
aijbms-112	199	13	system	system	NOUN
aijbms-112	199	14	.	.	PUNCT
aijbms-112	200	1	some	some	DET
aijbms-112	200	2	evidence	evidence	NOUN
aijbms-112	200	3	from	from	ADP
aijbms-112	200	4	nigerian	nigerian	ADJ
aijbms-112	200	5	data	datum	NOUN
aijbms-112	200	6	.	.	PUNCT
aijbms-112	201	1	journal	journal	PROPN
aijbms-112	201	2	of	of	ADP
aijbms-112	201	3	financial	financial	ADJ
aijbms-112	201	4	regulation	regulation	NOUN
aijbms-112	201	5	and	and	CCONJ
aijbms-112	201	6	compliance	compliance	NOUN
aijbms-112	201	7	,	,	PUNCT
aijbms-112	201	8	19(1	19(1	NUM
aijbms-112	201	9	)	)	PUNCT
aijbms-112	201	10	,	,	PUNCT
aijbms-112	201	11	33	33	NUM
aijbms-112	201	12	44	44	NUM
aijbms-112	201	13	.	.	PUNCT
aijbms-112	202	1	flamini	flamini	PROPN
aijbms-112	202	2	v.	v.	PROPN
aijbms-112	202	3	,	,	PUNCT
aijbms-112	202	4	mcdonald	mcdonald	PROPN
aijbms-112	202	5	,	,	PUNCT
aijbms-112	202	6	c.	c.	PROPN
aijbms-112	202	7	&	&	CCONJ
aijbms-112	202	8	schumacher	schumacher	PROPN
aijbms-112	202	9	,	,	PUNCT
aijbms-112	202	10	l.	l.	PROPN
aijbms-112	202	11	(	(	PUNCT
aijbms-112	202	12	2009	2009	NUM
aijbms-112	202	13	)	)	PUNCT
aijbms-112	202	14	.	.	PUNCT
aijbms-112	203	1	the	the	DET
aijbms-112	203	2	determinants	determinant	NOUN
aijbms-112	203	3	of	of	ADP
aijbms-112	203	4	commercial	commercial	ADJ
aijbms-112	203	5	bank	bank	NOUN
aijbms-112	203	6	profitability	profitability	NOUN
aijbms-112	203	7	in	in	ADP
aijbms-112	203	8	subsaharan	subsaharan	PROPN
aijbms-112	203	9	africa	africa	PROPN
aijbms-112	203	10	,	,	PUNCT
aijbms-112	203	11	imf	imf	PROPN
aijbms-112	203	12	working	working	PROPN
aijbms-112	203	13	paper	paper	NOUN
aijbms-112	203	14	no	no	DET
aijbms-112	203	15	15	15	NUM
aijbms-112	203	16	.	.	PUNCT
aijbms-112	204	1	gujarati	gujarati	PROPN
aijbms-112	204	2	,	,	PUNCT
aijbms-112	204	3	d.	d.	PROPN
aijbms-112	204	4	n.	n.	PROPN
aijbms-112	204	5	(	(	PUNCT
aijbms-112	204	6	2004	2004	NUM
aijbms-112	204	7	)	)	PUNCT
aijbms-112	204	8	.	.	PUNCT
aijbms-112	205	1	basic	basic	ADJ
aijbms-112	205	2	econometrics	econometrics	NOUN
aijbms-112	205	3	4th	4th	PROPN
aijbms-112	205	4	edition	edition	NOUN
aijbms-112	205	5	.	.	PUNCT
aijbms-112	206	1	tata	tata	PROPN
aijbms-112	206	2	mcgraw	mcgraw	PROPN
aijbms-112	206	3	-	-	PUNCT
aijbms-112	206	4	hill	hill	NOUN
aijbms-112	206	5	publishing	publish	VERB
aijbms-112	206	6	company	company	NOUN
aijbms-112	206	7	limited	limit	VERB
aijbms-112	206	8	.	.	PUNCT
aijbms-112	207	1	gulia	gulia	PROPN
aijbms-112	207	2	,	,	PUNCT
aijbms-112	207	3	y.	y.	PROPN
aijbms-112	207	4	(	(	PUNCT
aijbms-112	207	5	2014	2014	NUM
aijbms-112	207	6	)	)	PUNCT
aijbms-112	207	7	.	.	PUNCT
aijbms-112	208	1	financial	financial	ADJ
aijbms-112	208	2	performance	performance	NOUN
aijbms-112	208	3	of	of	ADP
aijbms-112	208	4	private	private	ADJ
aijbms-112	208	5	banks	bank	NOUN
aijbms-112	208	6	in	in	ADP
aijbms-112	208	7	india	india	PROPN
aijbms-112	208	8	.	.	PUNCT
aijbms-112	209	1	global	global	ADJ
aijbms-112	209	2	journal	journal	PROPN
aijbms-112	209	3	for	for	ADP
aijbms-112	209	4	research	research	NOUN
aijbms-112	209	5	analysis	analysis	NOUN
aijbms-112	209	6	,	,	PUNCT
aijbms-112	209	7	3(1	3(1	NUM
aijbms-112	209	8	)	)	PUNCT
aijbms-112	209	9	1	1	NUM
aijbms-112	209	10	-	-	SYM
aijbms-112	209	11	14	14	NUM
aijbms-112	209	12	.	.	PUNCT
aijbms-112	210	1	hosna	hosna	NOUN
aijbms-112	210	2	,	,	PUNCT
aijbms-112	210	3	a.	a.	NOUN
aijbms-112	210	4	,	,	PUNCT
aijbms-112	210	5	manzura	manzura	PROPN
aijbms-112	210	6	,	,	PUNCT
aijbms-112	210	7	b.	b.	PROPN
aijbms-112	210	8	,	,	PUNCT
aijbms-112	210	9	&	&	CCONJ
aijbms-112	210	10	juanjuan	juanjuan	PROPN
aijbms-112	210	11	,	,	PUNCT
aijbms-112	210	12	s.	s.	PROPN
aijbms-112	210	13	,	,	PUNCT
aijbms-112	210	14	(	(	PUNCT
aijbms-112	210	15	2014	2014	NUM
aijbms-112	210	16	)	)	PUNCT
aijbms-112	210	17	.	.	PUNCT
aijbms-112	211	1	credit	credit	NOUN
aijbms-112	211	2	risk	risk	NOUN
aijbms-112	211	3	management	management	NOUN
aijbms-112	211	4	and	and	CCONJ
aijbms-112	211	5	profitability	profitability	NOUN
aijbms-112	211	6	in	in	ADP
aijbms-112	211	7	commercial	commercial	ADJ
aijbms-112	211	8	banks	bank	NOUN
aijbms-112	211	9	in	in	ADP
aijbms-112	211	10	sweden	sweden	PROPN
aijbms-112	211	11	.	.	PUNCT
aijbms-112	212	1	school	school	NOUN
aijbms-112	212	2	of	of	ADP
aijbms-112	212	3	business	business	NOUN
aijbms-112	212	4	economics	economic	NOUN
aijbms-112	212	5	and	and	CCONJ
aijbms-112	212	6	law	law	NOUN
aijbms-112	212	7	.	.	PUNCT
aijbms-112	213	1	hossan	hossan	PROPN
aijbms-112	213	2	,	,	PUNCT
aijbms-112	213	3	f.	f.	PROPN
aijbms-112	213	4	and	and	CCONJ
aijbms-112	213	5	habib	habib	PROPN
aijbms-112	213	6	a.	a.	PROPN
aijbms-112	213	7	(	(	PUNCT
aijbms-112	213	8	2010	2010	NUM
aijbms-112	213	9	)	)	PUNCT
aijbms-112	213	10	.	.	PUNCT
aijbms-112	214	1	performance	performance	NOUN
aijbms-112	214	2	evaluation	evaluation	NOUN
aijbms-112	214	3	and	and	CCONJ
aijbms-112	214	4	ratio	ratio	NOUN
aijbms-112	214	5	analysis	analysis	NOUN
aijbms-112	214	6	of	of	ADP
aijbms-112	214	7	pharmaceutical	pharmaceutical	ADJ
aijbms-112	214	8	company	company	NOUN
aijbms-112	214	9	in	in	ADP
aijbms-112	214	10	bangladesh	bangladesh	PROPN
aijbms-112	214	11	.	.	PUNCT
aijbms-112	215	1	master	master	PROPN
aijbms-112	215	2	’s	’s	PART
aijbms-112	215	3	thesis	thesis	NOUN
aijbms-112	215	4	(	(	PUNCT
aijbms-112	215	5	unpublished	unpublished	ADJ
aijbms-112	215	6	)	)	PUNCT
aijbms-112	215	7	,	,	PUNCT
aijbms-112	215	8	university	university	NOUN
aijbms-112	215	9	west	west	NOUN
aijbms-112	215	10	,	,	PUNCT
aijbms-112	215	11	bangladesh	bangladesh	PROPN
aijbms-112	215	12	.	.	PUNCT
aijbms-112	216	1	hossan	hossan	PROPN
aijbms-112	216	2	,	,	PUNCT
aijbms-112	216	3	f.	f.	PROPN
aijbms-112	216	4	&	&	CCONJ
aijbms-112	216	5	habib	habib	PROPN
aijbms-112	216	6	a.	a.	PROPN
aijbms-112	216	7	(	(	PUNCT
aijbms-112	216	8	edition	edition	PROPN
aijbms-112	216	9	)	)	PUNCT
aijbms-112	216	10	.	.	PUNCT
aijbms-112	217	1	performance	performance	NOUN
aijbms-112	217	2	evaluation	evaluation	NOUN
aijbms-112	217	3	and	and	CCONJ
aijbms-112	217	4	ratio	ratio	NOUN
aijbms-112	217	5	analysis	analysis	NOUN
aijbms-112	217	6	of	of	ADP
aijbms-112	217	7	pharmaceutical	pharmaceutical	ADJ
aijbms-112	217	8	company	company	NOUN
aijbms-112	217	9	in	in	ADP
aijbms-112	217	10	bangladesh	bangladesh	PROPN
aijbms-112	217	11	”	"	PUNCT
aijbms-112	217	12	master	master	NOUN
aijbms-112	217	13	’s	’s	PART
aijbms-112	217	14	thesis	thesis	NOUN
aijbms-112	217	15	(	(	PUNCT
aijbms-112	217	16	unpublished	unpublished	ADJ
aijbms-112	217	17	)	)	PUNCT
aijbms-112	217	18	,	,	PUNCT
aijbms-112	217	19	university	university	NOUN
aijbms-112	217	20	west	west	NOUN
aijbms-112	217	21	,	,	PUNCT
aijbms-112	217	22	bangladesh	bangladesh	NOUN
aijbms-112	217	23	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	NOUN
aijbms-112	217	24	american	american	PROPN
aijbms-112	217	25	international	international	PROPN
aijbms-112	217	26	journal	journal	PROPN
aijbms-112	217	27	of	of	ADP
aijbms-112	217	28	business	business	NOUN
aijbms-112	217	29	and	and	CCONJ
aijbms-112	217	30	management	management	NOUN
aijbms-112	217	31	studies	study	NOUN
aijbms-112	217	32	vol	vol	NOUN
aijbms-112	217	33	.	.	PROPN
aijbms-112	218	1	1	1	NUM
aijbms-112	218	2	,	,	PUNCT
aijbms-112	218	3	no	no	INTJ
aijbms-112	218	4	.	.	NOUN
aijbms-112	218	5	1	1	NUM
aijbms-112	218	6	;	;	PUNCT
aijbms-112	218	7	2019	2019	NUM
aijbms-112	218	8	46	46	NUM
aijbms-112	218	9	ifeacho	ifeacho	NOUN
aijbms-112	218	10	,	,	PUNCT
aijbms-112	218	11	c.	c.	PROPN
aijbms-112	218	12	,	,	PUNCT
aijbms-112	218	13	&	&	CCONJ
aijbms-112	218	14	ngalawa	ngalawa	PROPN
aijbms-112	218	15	,	,	PUNCT
aijbms-112	218	16	h.	h.	PROPN
aijbms-112	218	17	,	,	PUNCT
aijbms-112	218	18	(	(	PUNCT
aijbms-112	218	19	2014	2014	NUM
aijbms-112	218	20	)	)	PUNCT
aijbms-112	218	21	.	.	PUNCT
aijbms-112	219	1	performance	performance	NOUN
aijbms-112	219	2	of	of	ADP
aijbms-112	219	3	the	the	DET
aijbms-112	219	4	south	south	ADJ
aijbms-112	219	5	african	african	ADJ
aijbms-112	219	6	banking	banking	NOUN
aijbms-112	219	7	sector	sector	NOUN
aijbms-112	219	8	since	since	SCONJ
aijbms-112	219	9	1994	1994	NUM
aijbms-112	219	10	.	.	PUNCT
aijbms-112	220	1	journal	journal	PROPN
aijbms-112	220	2	of	of	ADP
aijbms-112	220	3	applies	apply	VERB
aijbms-112	220	4	business	business	NOUN
aijbms-112	220	5	research	research	NOUN
aijbms-112	220	6	,	,	PUNCT
aijbms-112	220	7	30(4	30(4	NUM
aijbms-112	220	8	)	)	PUNCT
aijbms-112	220	9	,	,	PUNCT
aijbms-112	220	10	23	23	NUM
aijbms-112	220	11	-	-	SYM
aijbms-112	220	12	45	45	NUM
aijbms-112	220	13	.	.	PUNCT
aijbms-112	221	1	ikpefan	ikpefan	PROPN
aijbms-112	221	2	,	,	PUNCT
aijbms-112	221	3	o.a	o.a	PROPN
aijbms-112	221	4	.	.	PROPN
aijbms-112	221	5	,	,	PUNCT
aijbms-112	221	6	(	(	PUNCT
aijbms-112	221	7	2013	2013	NUM
aijbms-112	221	8	)	)	PUNCT
aijbms-112	221	9	.	.	PUNCT
aijbms-112	222	1	capital	capital	NOUN
aijbms-112	222	2	adequacy	adequacy	PROPN
aijbms-112	222	3	,	,	PUNCT
aijbms-112	222	4	management	management	NOUN
aijbms-112	222	5	and	and	CCONJ
aijbms-112	222	6	performance	performance	NOUN
aijbms-112	222	7	in	in	ADP
aijbms-112	222	8	the	the	DET
aijbms-112	222	9	nigeria	nigeria	PROPN
aijbms-112	222	10	commercial	commercial	ADJ
aijbms-112	222	11	banks	bank	NOUN
aijbms-112	222	12	(	(	PUNCT
aijbms-112	222	13	19862006	19862006	NUM
aijbms-112	222	14	)	)	PUNCT
aijbms-112	222	15	.	.	PUNCT
aijbms-112	223	1	african	african	ADJ
aijbms-112	223	2	journal	journal	PROPN
aijbms-112	223	3	of	of	ADP
aijbms-112	223	4	business	business	NOUN
aijbms-112	223	5	management	management	NOUN
aijbms-112	223	6	7(30	7(30	NUM
aijbms-112	223	7	)	)	PUNCT
aijbms-112	223	8	,	,	PUNCT
aijbms-112	223	9	2938	2938	NUM
aijbms-112	223	10	-	-	SYM
aijbms-112	223	11	2950	2950	NUM
aijbms-112	223	12	.	.	PUNCT
aijbms-112	224	1	iwedi	iwedi	PROPN
aijbms-112	224	2	,	,	PUNCT
aijbms-112	224	3	m.	m.	NOUN
aijbms-112	224	4	,	,	PUNCT
aijbms-112	224	5	(	(	PUNCT
aijbms-112	224	6	2017	2017	NUM
aijbms-112	224	7	)	)	PUNCT
aijbms-112	224	8	.	.	PUNCT
aijbms-112	225	1	bank	bank	NOUN
aijbms-112	225	2	failure	failure	NOUN
aijbms-112	225	3	in	in	ADP
aijbms-112	225	4	nigeria	nigeria	PROPN
aijbms-112	225	5	:	:	PUNCT
aijbms-112	225	6	evidence	evidence	NOUN
aijbms-112	225	7	of	of	ADP
aijbms-112	225	8	prudential	prudential	ADJ
aijbms-112	225	9	regulator	regulator	NOUN
aijbms-112	225	10	laxity	laxity	NOUN
aijbms-112	225	11	.	.	PUNCT
aijbms-112	226	1	frontiers	frontier	NOUN
aijbms-112	226	2	in	in	ADP
aijbms-112	226	3	management	management	NOUN
aijbms-112	226	4	research	research	NOUN
aijbms-112	226	5	,	,	PUNCT
aijbms-112	226	6	1(4	1(4	NUM
aijbms-112	226	7	)	)	PUNCT
aijbms-112	226	8	,	,	PUNCT
aijbms-112	226	9	141	141	NUM
aijbms-112	226	10	-	-	SYM
aijbms-112	226	11	150	150	NUM
aijbms-112	226	12	.	.	PUNCT
aijbms-112	227	1	jackson	jackson	PROPN
aijbms-112	227	2	,	,	PUNCT
aijbms-112	227	3	o.	o.	PROPN
aijbms-112	227	4	,	,	PUNCT
aijbms-112	227	5	(	(	PUNCT
aijbms-112	227	6	2011	2011	NUM
aijbms-112	227	7	)	)	PUNCT
aijbms-112	227	8	.	.	PUNCT
aijbms-112	228	1	the	the	DET
aijbms-112	228	2	impact	impact	NOUN
aijbms-112	228	3	of	of	ADP
aijbms-112	228	4	credit	credit	NOUN
aijbms-112	228	5	risk	risk	NOUN
aijbms-112	228	6	management	management	NOUN
aijbms-112	228	7	on	on	ADP
aijbms-112	228	8	financial	financial	ADJ
aijbms-112	228	9	performance	performance	NOUN
aijbms-112	228	10	of	of	ADP
aijbms-112	228	11	commercial	commercial	ADJ
aijbms-112	228	12	banks	bank	NOUN
aijbms-112	228	13	in	in	ADP
aijbms-112	228	14	kenya	kenya	PROPN
aijbms-112	228	15	.	.	PUNCT
aijbms-112	229	1	african	african	ADJ
aijbms-112	229	2	journal	journal	PROPN
aijbms-112	229	3	of	of	ADP
aijbms-112	229	4	management	management	NOUN
aijbms-112	229	5	policy	policy	NOUN
aijbms-112	229	6	,	,	PUNCT
aijbms-112	229	7	3(7	3(7	NUM
aijbms-112	229	8	)	)	PUNCT
aijbms-112	229	9	,	,	PUNCT
aijbms-112	229	10	179	179	NUM
aijbms-112	229	11	-	-	SYM
aijbms-112	229	12	217	217	NUM
aijbms-112	229	13	.	.	PUNCT
aijbms-112	230	1	kargi	kargi	PROPN
aijbms-112	230	2	,	,	PUNCT
aijbms-112	230	3	h.	h.	PROPN
aijbms-112	230	4	s.	s.	PROPN
aijbms-112	230	5	,	,	PUNCT
aijbms-112	230	6	(	(	PUNCT
aijbms-112	230	7	2011	2011	NUM
aijbms-112	230	8	)	)	PUNCT
aijbms-112	230	9	.	.	PUNCT
aijbms-112	231	1	credit	credit	NOUN
aijbms-112	231	2	risk	risk	NOUN
aijbms-112	231	3	and	and	CCONJ
aijbms-112	231	4	the	the	DET
aijbms-112	231	5	performance	performance	NOUN
aijbms-112	231	6	of	of	ADP
aijbms-112	231	7	nigeria	nigeria	PROPN
aijbms-112	231	8	banks	bank	NOUN
aijbms-112	231	9	.	.	PUNCT
aijbms-112	232	1	european	european	PROPN
aijbms-112	232	2	journal	journal	PROPN
aijbms-112	232	3	finance	finance	NOUN
aijbms-112	232	4	management	management	NOUN
aijbms-112	232	5	,	,	PUNCT
aijbms-112	232	6	7(5	7(5	NUM
aijbms-112	232	7	)	)	PUNCT
aijbms-112	232	8	,	,	PUNCT
aijbms-112	232	9	67	67	NUM
aijbms-112	232	10	-	-	SYM
aijbms-112	232	11	99	99	NUM
aijbms-112	232	12	.	.	PUNCT
aijbms-112	233	1	khalid	khalid	PROPN
aijbms-112	233	2	,	,	PUNCT
aijbms-112	233	3	a.c	a.c	PROPN
aijbms-112	233	4	.	.	PROPN
aijbms-112	233	5	,	,	PUNCT
aijbms-112	233	6	(	(	PUNCT
aijbms-112	233	7	2012	2012	NUM
aijbms-112	233	8	)	)	PUNCT
aijbms-112	233	9	.	.	PUNCT
aijbms-112	234	1	the	the	DET
aijbms-112	234	2	impacts	impact	NOUN
aijbms-112	234	3	of	of	ADP
aijbms-112	234	4	assets	asset	NOUN
aijbms-112	234	5	quality	quality	NOUN
aijbms-112	234	6	on	on	ADP
aijbms-112	234	7	profitability	profitability	NOUN
aijbms-112	234	8	of	of	ADP
aijbms-112	234	9	private	private	ADJ
aijbms-112	234	10	banks	bank	NOUN
aijbms-112	234	11	in	in	ADP
aijbms-112	234	12	india	india	PROPN
aijbms-112	234	13	:	:	PUNCT
aijbms-112	234	14	a	a	DET
aijbms-112	234	15	case	case	NOUN
aijbms-112	234	16	study	study	NOUN
aijbms-112	234	17	of	of	ADP
aijbms-112	234	18	jk	jk	PROPN
aijbms-112	234	19	,	,	PUNCT
aijbms-112	234	20	icici	icici	PROPN
aijbms-112	234	21	,	,	PUNCT
aijbms-112	234	22	hdfc	hdfc	PROPN
aijbms-112	234	23	and	and	CCONJ
aijbms-112	234	24	yes	yes	INTJ
aijbms-112	234	25	banks	bank	NOUN
aijbms-112	234	26	:	:	PUNCT
aijbms-112	234	27	journal	journal	NOUN
aijbms-112	234	28	of	of	ADP
aijbms-112	234	29	african	african	ADJ
aijbms-112	234	30	microeconomic	microeconomic	PROPN
aijbms-112	234	31	review	review	NOUN
aijbms-112	234	32	,	,	PUNCT
aijbms-112	234	33	2	2	NUM
aijbms-112	234	34	(	(	PUNCT
aijbms-112	234	35	1	1	NUM
aijbms-112	234	36	)	)	PUNCT
aijbms-112	234	37	,	,	PUNCT
aijbms-112	234	38	1	1	NUM
aijbms-112	234	39	–	–	SYM
aijbms-112	234	40	22	22	NUM
aijbms-112	234	41	.	.	PUNCT
aijbms-112	234	42	kinthinji	kinthinji	PROPN
aijbms-112	234	43	,	,	PUNCT
aijbms-112	234	44	a.	a.	NOUN
aijbms-112	234	45	m.	m.	NOUN
aijbms-112	234	46	,	,	PUNCT
aijbms-112	234	47	(	(	PUNCT
aijbms-112	234	48	2010	2010	NUM
aijbms-112	234	49	)	)	PUNCT
aijbms-112	234	50	.	.	PUNCT
aijbms-112	235	1	credit	credit	NOUN
aijbms-112	235	2	risk	risk	NOUN
aijbms-112	235	3	management	management	NOUN
aijbms-112	235	4	and	and	CCONJ
aijbms-112	235	5	profitability	profitability	NOUN
aijbms-112	235	6	of	of	ADP
aijbms-112	235	7	commercial	commercial	ADJ
aijbms-112	235	8	banks	bank	NOUN
aijbms-112	235	9	in	in	ADP
aijbms-112	235	10	kenya	kenya	PROPN
aijbms-112	235	11	.	.	PUNCT
aijbms-112	236	1	african	african	ADJ
aijbms-112	236	2	journal	journal	PROPN
aijbms-112	236	3	of	of	ADP
aijbms-112	236	4	management	management	NOUN
aijbms-112	236	5	policy	policy	NOUN
aijbms-112	236	6	,	,	PUNCT
aijbms-112	236	7	3(7	3(7	NUM
aijbms-112	236	8	)	)	PUNCT
aijbms-112	236	9	,	,	PUNCT
aijbms-112	236	10	139	139	NUM
aijbms-112	236	11	-	-	SYM
aijbms-112	236	12	257	257	NUM
aijbms-112	236	13	.	.	PUNCT
aijbms-112	237	1	kolapo	kolapo	PROPN
aijbms-112	237	2	,	,	PUNCT
aijbms-112	237	3	t.	t.	PROPN
aijbms-112	237	4	f.	f.	PROPN
aijbms-112	237	5	,	,	PUNCT
aijbms-112	237	6	ayeni	ayeni	PROPN
aijbms-112	237	7	r.	r.	PROPN
aijbms-112	237	8	k.	k.	PROPN
aijbms-112	237	9	,	,	PUNCT
aijbms-112	237	10	&	&	CCONJ
aijbms-112	237	11	oke	oke	PROPN
aijbms-112	237	12	,	,	PUNCT
aijbms-112	237	13	o.	o.	PROPN
aijbms-112	237	14	,	,	PUNCT
aijbms-112	237	15	(	(	PUNCT
aijbms-112	237	16	2012).credit	2012).credit	NUM
aijbms-112	237	17	risk	risk	NOUN
aijbms-112	237	18	management	management	NOUN
aijbms-112	237	19	and	and	CCONJ
aijbms-112	237	20	banks	bank	NOUN
aijbms-112	237	21	performance	performance	NOUN
aijbms-112	237	22	.	.	PUNCT
aijbms-112	238	1	australian	australian	ADJ
aijbms-112	238	2	journal	journal	NOUN
aijbms-112	238	3	of	of	ADP
aijbms-112	238	4	business	business	NOUN
aijbms-112	238	5	and	and	CCONJ
aijbms-112	238	6	management	management	NOUN
aijbms-112	238	7	research	research	NOUN
aijbms-112	238	8	,	,	PUNCT
aijbms-112	238	9	7(9	7(9	NUM
aijbms-112	238	10	)	)	PUNCT
aijbms-112	238	11	,	,	PUNCT
aijbms-112	238	12	201	201	NUM
aijbms-112	238	13	-	-	SYM
aijbms-112	238	14	221	221	NUM
aijbms-112	238	15	.	.	PUNCT
aijbms-112	239	1	lucky	lucky	ADJ
aijbms-112	239	2	,	,	PUNCT
aijbms-112	239	3	a.l	a.l	PROPN
aijbms-112	239	4	.	.	PROPN
aijbms-112	239	5	&	&	CCONJ
aijbms-112	239	6	nwosi	nwosi	PROPN
aijbms-112	239	7	,	,	PUNCT
aijbms-112	239	8	a.a	a.a	PROPN
aijbms-112	239	9	.	.	PROPN
aijbms-112	239	10	,	,	PUNCT
aijbms-112	239	11	(	(	PUNCT
aijbms-112	239	12	2015	2015	NUM
aijbms-112	239	13	)	)	PUNCT
aijbms-112	239	14	.	.	PUNCT
aijbms-112	240	1	asset	asset	NOUN
aijbms-112	240	2	quality	quality	NOUN
aijbms-112	240	3	and	and	CCONJ
aijbms-112	240	4	profitability	profitability	NOUN
aijbms-112	240	5	of	of	ADP
aijbms-112	240	6	commercial	commercial	ADJ
aijbms-112	240	7	banks	bank	NOUN
aijbms-112	240	8	:	:	PUNCT
aijbms-112	240	9	evidence	evidence	NOUN
aijbms-112	240	10	from	from	ADP
aijbms-112	240	11	nigeria	nigeria	PROPN
aijbms-112	240	12	.	.	PUNCT
aijbms-112	241	1	research	research	NOUN
aijbms-112	241	2	journal	journal	PROPN
aijbms-112	241	3	of	of	ADP
aijbms-112	241	4	finance	finance	NOUN
aijbms-112	241	5	and	and	CCONJ
aijbms-112	241	6	accounting	accounting	NOUN
aijbms-112	241	7	,	,	PUNCT
aijbms-112	241	8	6(18	6(18	NUM
aijbms-112	241	9	)	)	PUNCT
aijbms-112	241	10	,	,	PUNCT
aijbms-112	241	11	26	26	NUM
aijbms-112	241	12	-	-	SYM
aijbms-112	241	13	34	34	NUM
aijbms-112	241	14	.	.	PUNCT
aijbms-112	242	1	manoj	manoj	PROPN
aijbms-112	242	2	,	,	PUNCT
aijbms-112	242	3	p.k	p.k	PROPN
aijbms-112	242	4	.	.	PROPN
aijbms-112	242	5	,	,	PUNCT
aijbms-112	242	6	(	(	PUNCT
aijbms-112	242	7	2010	2010	NUM
aijbms-112	242	8	)	)	PUNCT
aijbms-112	242	9	.	.	PUNCT
aijbms-112	243	1	financial	financial	ADJ
aijbms-112	243	2	soundness	soundness	NOUN
aijbms-112	243	3	of	of	ADP
aijbms-112	243	4	old	old	ADJ
aijbms-112	243	5	private	private	ADJ
aijbms-112	243	6	sector	sector	NOUN
aijbms-112	243	7	banks	bank	NOUN
aijbms-112	243	8	(	(	PUNCT
aijbms-112	243	9	opbs	opb	NOUN
aijbms-112	243	10	)	)	PUNCT
aijbms-112	243	11	in	in	ADP
aijbms-112	243	12	india	india	PROPN
aijbms-112	243	13	and	and	CCONJ
aijbms-112	243	14	benchmarking	benchmarke	VERB
aijbms-112	243	15	the	the	DET
aijbms-112	243	16	kerala	kerala	NOUN
aijbms-112	243	17	based	base	VERB
aijbms-112	243	18	opbs	opb	NOUN
aijbms-112	243	19	:	:	PUNCT
aijbms-112	243	20	a	a	DET
aijbms-112	243	21	camel	camel	NOUN
aijbms-112	243	22	’	'	PUNCT
aijbms-112	243	23	approach	approach	NOUN
aijbms-112	243	24	.	.	PUNCT
aijbms-112	244	1	muhammed	muhamme	VERB
aijbms-112	244	2	,	,	PUNCT
aijbms-112	244	3	a.	a.	NOUN
aijbms-112	244	4	,(2012	,(2012	PROPN
aijbms-112	244	5	)	)	PUNCT
aijbms-112	244	6	.	.	PUNCT
aijbms-112	245	1	credit	credit	NOUN
aijbms-112	245	2	risk	risk	NOUN
aijbms-112	245	3	and	and	CCONJ
aijbms-112	245	4	the	the	DET
aijbms-112	245	5	performance	performance	NOUN
aijbms-112	245	6	of	of	ADP
aijbms-112	245	7	nigerian	nigerian	ADJ
aijbms-112	245	8	banks	bank	NOUN
aijbms-112	245	9	.	.	PUNCT
aijbms-112	246	1	interdisciplinary	interdisciplinary	ADJ
aijbms-112	246	2	journal	journal	NOUN
aijbms-112	246	3	of	of	ADP
aijbms-112	246	4	contemporary	contemporary	ADJ
aijbms-112	246	5	research	research	NOUN
aijbms-112	246	6	in	in	ADP
aijbms-112	246	7	business	business	NOUN
aijbms-112	246	8	,	,	PUNCT
aijbms-112	246	9	2(3	2(3	NUM
aijbms-112	246	10	)	)	PUNCT
aijbms-112	246	11	,	,	PUNCT
aijbms-112	246	12	342	342	NUM
aijbms-112	246	13	-	-	SYM
aijbms-112	246	14	364	364	NUM
aijbms-112	246	15	.	.	PUNCT
aijbms-112	247	1	musyoki	musyoki	PROPN
aijbms-112	247	2	,	,	PUNCT
aijbms-112	247	3	d.	d.	PROPN
aijbms-112	247	4	,	,	PUNCT
aijbms-112	247	5	&	&	CCONJ
aijbms-112	247	6	kadubo	kadubo	PROPN
aijbms-112	247	7	,	,	PUNCT
aijbms-112	247	8	a.	a.	PROPN
aijbms-112	247	9	s.	s.	PROPN
aijbms-112	247	10	,	,	PUNCT
aijbms-112	247	11	(	(	PUNCT
aijbms-112	247	12	2011).the	2011).the	DET
aijbms-112	247	13	impact	impact	NOUN
aijbms-112	247	14	of	of	ADP
aijbms-112	247	15	credit	credit	NOUN
aijbms-112	247	16	risk	risk	NOUN
aijbms-112	247	17	management	management	NOUN
aijbms-112	247	18	on	on	ADP
aijbms-112	247	19	the	the	DET
aijbms-112	247	20	financial	financial	ADJ
aijbms-112	247	21	performance	performance	NOUN
aijbms-112	247	22	in	in	ADP
aijbms-112	247	23	kenya	kenya	PROPN
aijbms-112	247	24	.	.	PUNCT
aijbms-112	248	1	international	international	ADJ
aijbms-112	248	2	journal	journal	PROPN
aijbms-112	248	3	of	of	ADP
aijbms-112	248	4	business	business	NOUN
aijbms-112	248	5	and	and	CCONJ
aijbms-112	248	6	public	public	ADJ
aijbms-112	248	7	management	management	NOUN
aijbms-112	248	8	,	,	PUNCT
aijbms-112	248	9	14(9	14(9	NUM
aijbms-112	248	10	)	)	PUNCT
aijbms-112	248	11	,	,	PUNCT
aijbms-112	248	12	302	302	NUM
aijbms-112	248	13	-	-	SYM
aijbms-112	248	14	317	317	NUM
aijbms-112	248	15	.	.	PUNCT
aijbms-112	249	1	nzoka	nzoka	NOUN
aijbms-112	249	2	,	,	PUNCT
aijbms-112	249	3	f.k	f.k	PROPN
aijbms-112	249	4	.	.	PROPN
aijbms-112	249	5	,	,	PUNCT
aijbms-112	249	6	(	(	PUNCT
aijbms-112	249	7	2016	2016	NUM
aijbms-112	249	8	)	)	PUNCT
aijbms-112	249	9	.	.	PUNCT
aijbms-112	250	1	the	the	DET
aijbms-112	250	2	effect	effect	NOUN
aijbms-112	250	3	of	of	ADP
aijbms-112	250	4	assets	asset	NOUN
aijbms-112	250	5	quality	quality	NOUN
aijbms-112	250	6	on	on	ADP
aijbms-112	250	7	the	the	DET
aijbms-112	250	8	financial	financial	ADJ
aijbms-112	250	9	performance	performance	NOUN
aijbms-112	250	10	of	of	ADP
aijbms-112	250	11	commercial	commercial	ADJ
aijbms-112	250	12	banks	bank	NOUN
aijbms-112	250	13	in	in	ADP
aijbms-112	250	14	kenya	kenya	PROPN
aijbms-112	250	15	.	.	PUNCT
aijbms-112	251	1	unpublished	unpublished	ADJ
aijbms-112	251	2	master	master	NOUN
aijbms-112	251	3	of	of	ADP
aijbms-112	251	4	science	science	NOUN
aijbms-112	251	5	thesis	thesis	NOUN
aijbms-112	251	6	submitted	submit	VERB
aijbms-112	251	7	to	to	ADP
aijbms-112	251	8	university	university	PROPN
aijbms-112	251	9	of	of	ADP
aijbms-112	251	10	nairobi	nairobi	PROPN
aijbms-112	251	11	.	.	PUNCT
aijbms-112	252	1	ohwofasa	ohwofasa	PROPN
aijbms-112	252	2	,	,	PUNCT
aijbms-112	252	3	b.o	b.o	PROPN
aijbms-112	252	4	&	&	CCONJ
aijbms-112	252	5	mayuku	mayuku	PROPN
aijbms-112	252	6	,	,	PUNCT
aijbms-112	252	7	j.g	j.g	PROPN
aijbms-112	252	8	,	,	PUNCT
aijbms-112	252	9	(	(	PUNCT
aijbms-112	252	10	2012	2012	NUM
aijbms-112	252	11	)	)	PUNCT
aijbms-112	252	12	.	.	PUNCT
aijbms-112	253	1	determinants	determinant	NOUN
aijbms-112	253	2	of	of	ADP
aijbms-112	253	3	bank	bank	NOUN
aijbms-112	253	4	distress	distress	NOUN
aijbms-112	253	5	and	and	CCONJ
aijbms-112	253	6	effect	effect	NOUN
aijbms-112	253	7	on	on	ADP
aijbms-112	253	8	nigerian	nigerian	ADJ
aijbms-112	253	9	economy	economy	NOUN
aijbms-112	253	10	,	,	PUNCT
aijbms-112	253	11	19862010	19862010	NUM
aijbms-112	253	12	:	:	PUNCT
aijbms-112	253	13	an	an	DET
aijbms-112	253	14	empirical	empirical	ADJ
aijbms-112	253	15	analysis	analysis	NOUN
aijbms-112	253	16	.	.	PUNCT
aijbms-112	254	1	european	european	ADJ
aijbms-112	254	2	journal	journal	PROPN
aijbms-112	254	3	of	of	ADP
aijbms-112	254	4	humanities	humanity	NOUN
aijbms-112	254	5	and	and	CCONJ
aijbms-112	254	6	social	social	ADJ
aijbms-112	254	7	sciences	science	NOUN
aijbms-112	254	8	,	,	PUNCT
aijbms-112	254	9	17(1	17(1	NUM
aijbms-112	254	10	)	)	PUNCT
aijbms-112	254	11	,	,	PUNCT
aijbms-112	254	12	865	865	NUM
aijbms-112	254	13	-	-	NUM
aijbms-112	254	14	875	875	NUM
aijbms-112	254	15	.	.	PUNCT
aijbms-112	255	1	ombaba	ombaba	NOUN
aijbms-112	255	2	k.b.m	k.b.m	PROPN
aijbms-112	255	3	.	.	PUNCT
aijbms-112	255	4	,	,	PUNCT
aijbms-112	255	5	(	(	PUNCT
aijbms-112	255	6	2013	2013	NUM
aijbms-112	255	7	)	)	PUNCT
aijbms-112	255	8	.	.	PUNCT
aijbms-112	256	1	assessing	assess	VERB
aijbms-112	256	2	the	the	DET
aijbms-112	256	3	factors	factor	NOUN
aijbms-112	256	4	contributing	contribute	VERB
aijbms-112	256	5	to	to	ADP
aijbms-112	256	6	non	non	ADJ
aijbms-112	256	7	performance	performance	NOUN
aijbms-112	256	8	loans	loan	NOUN
aijbms-112	256	9	in	in	ADP
aijbms-112	256	10	kenyan	kenyan	ADJ
aijbms-112	256	11	banks	bank	NOUN
aijbms-112	256	12	,	,	PUNCT
aijbms-112	256	13	european	european	PROPN
aijbms-112	256	14	journal	journal	PROPN
aijbms-112	256	15	of	of	ADP
aijbms-112	256	16	business	business	NOUN
aijbms-112	256	17	and	and	CCONJ
aijbms-112	256	18	management	management	NOUN
aijbms-112	256	19	,	,	PUNCT
aijbms-112	256	20	5(32	5(32	NUM
aijbms-112	256	21	)	)	PUNCT
aijbms-112	256	22	,	,	PUNCT
aijbms-112	256	23	13	13	NUM
aijbms-112	256	24	-	-	SYM
aijbms-112	256	25	20	20	NUM
aijbms-112	256	26	.	.	PUNCT
aijbms-112	257	1	omoh	omoh	PROPN
aijbms-112	257	2	g.	g.	PROPN
aijbms-112	257	3	,	,	PUNCT
aijbms-112	257	4	(	(	PUNCT
aijbms-112	257	5	2015	2015	NUM
aijbms-112	257	6	)	)	PUNCT
aijbms-112	257	7	.	.	PUNCT
aijbms-112	258	1	cbn	cbn	PROPN
aijbms-112	258	2	releases	release	VERB
aijbms-112	258	3	guidelines	guideline	NOUN
aijbms-112	258	4	for	for	ADP
aijbms-112	258	5	new	new	ADJ
aijbms-112	258	6	banking	banking	NOUN
aijbms-112	258	7	model	model	NOUN
aijbms-112	258	8	.	.	PUNCT
aijbms-112	259	1	vanguard	vanguard	PROPN
aijbms-112	259	2	newspaper	newspaper	PROPN
aijbms-112	259	3	.	.	PUNCT
aijbms-112	260	1	retrieved	retrieve	VERB
aijbms-112	260	2	29	29	NUM
aijbms-112	260	3	november	november	PROPN
aijbms-112	260	4	2016	2016	NUM
aijbms-112	260	5	.	.	PUNCT
aijbms-112	261	1	onaolapo	onaolapo	PROPN
aijbms-112	261	2	,	,	PUNCT
aijbms-112	261	3	a.	a.	PROPN
aijbms-112	261	4	r.	r.	PROPN
aijbms-112	261	5	(	(	PUNCT
aijbms-112	261	6	2012	2012	NUM
aijbms-112	261	7	)	)	PUNCT
aijbms-112	261	8	.	.	PUNCT
aijbms-112	262	1	analysis	analysis	NOUN
aijbms-112	262	2	of	of	ADP
aijbms-112	262	3	credit	credit	NOUN
aijbms-112	262	4	risk	risk	NOUN
aijbms-112	262	5	management	management	NOUN
aijbms-112	262	6	efficiency	efficiency	NOUN
aijbms-112	262	7	in	in	ADP
aijbms-112	262	8	nigerian	nigerian	ADJ
aijbms-112	262	9	commercial	commercial	ADJ
aijbms-112	262	10	banking	banking	NOUN
aijbms-112	262	11	sector	sector	NOUN
aijbms-112	262	12	.	.	PUNCT
aijbms-112	263	1	far	far	PROPN
aijbms-112	263	2	east	east	PROPN
aijbms-112	263	3	journal	journal	PROPN
aijbms-112	263	4	of	of	ADP
aijbms-112	263	5	marketing	marketing	NOUN
aijbms-112	263	6	and	and	CCONJ
aijbms-112	263	7	management	management	NOUN
aijbms-112	263	8	,	,	PUNCT
aijbms-112	263	9	9(6),447	9(6),447	NOUN
aijbms-112	263	10	-	-	PUNCT
aijbms-112	263	11	498	498	NUM
aijbms-112	263	12	.	.	PUNCT
aijbms-112	264	1	oni	oni	PROPN
aijbms-112	264	2	,	,	PUNCT
aijbms-112	264	3	s.a	s.a	PROPN
aijbms-112	264	4	.	.	PROPN
aijbms-112	264	5	,	,	PUNCT
aijbms-112	264	6	(	(	PUNCT
aijbms-112	264	7	2012	2012	NUM
aijbms-112	264	8	)	)	PUNCT
aijbms-112	264	9	.	.	PUNCT
aijbms-112	265	1	regulation	regulation	NOUN
aijbms-112	265	2	and	and	CCONJ
aijbms-112	265	3	supervision	supervision	NOUN
aijbms-112	265	4	of	of	ADP
aijbms-112	265	5	financial	financial	ADJ
aijbms-112	265	6	institutions	institution	NOUN
aijbms-112	265	7	:	:	PUNCT
aijbms-112	265	8	the	the	DET
aijbms-112	265	9	nigeria	nigeria	PROPN
aijbms-112	265	10	experience	experience	NOUN
aijbms-112	265	11	.	.	PUNCT
aijbms-112	266	1	cbn	cbn	PROPN
aijbms-112	266	2	economic	economic	ADJ
aijbms-112	266	3	and	and	CCONJ
aijbms-112	266	4	financial	financial	ADJ
aijbms-112	266	5	review	review	NOUN
aijbms-112	266	6	50	50	NUM
aijbms-112	266	7	(	(	PUNCT
aijbms-112	266	8	4	4	NUM
aijbms-112	266	9	)	)	PUNCT
aijbms-112	266	10	107	107	NUM
aijbms-112	266	11	-	-	SYM
aijbms-112	266	12	123	123	NUM
aijbms-112	266	13	.	.	PUNCT
aijbms-112	267	1	oni	oni	PROPN
aijbms-112	267	2	,	,	PUNCT
aijbms-112	267	3	s.a	s.a	PROPN
aijbms-112	267	4	.	.	PROPN
aijbms-112	267	5	,	,	PUNCT
aijbms-112	267	6	(	(	PUNCT
aijbms-112	267	7	2015	2015	NUM
aijbms-112	267	8	)	)	PUNCT
aijbms-112	267	9	.	.	PUNCT
aijbms-112	268	1	circular	circular	ADJ
aijbms-112	268	2	on	on	ADP
aijbms-112	268	3	the	the	DET
aijbms-112	268	4	review	review	NOUN
aijbms-112	268	5	of	of	ADP
aijbms-112	268	6	the	the	DET
aijbms-112	268	7	universal	universal	ADJ
aijbms-112	268	8	banking	banking	NOUN
aijbms-112	268	9	model	model	NOUN
aijbms-112	268	10	(	(	PUNCT
aijbms-112	268	11	pdf	pdf	NOUN
aijbms-112	268	12	)	)	PUNCT
aijbms-112	268	13	.	.	PUNCT
aijbms-112	269	1	retrieved	retrieve	VERB
aijbms-112	269	2	29	29	NUM
aijbms-112	269	3	november	november	PROPN
aijbms-112	269	4	2016	2016	NUM
aijbms-112	269	5	.	.	PUNCT
aijbms-112	270	1	poudel	poudel	PROPN
aijbms-112	270	2	,	,	PUNCT
aijbms-112	270	3	r.	r.	PROPN
aijbms-112	270	4	p.	p.	PROPN
aijbms-112	270	5	s.	s.	PROPN
aijbms-112	270	6	,	,	PUNCT
aijbms-112	270	7	(	(	PUNCT
aijbms-112	270	8	2012).the	2012).the	DET
aijbms-112	270	9	impact	impact	NOUN
aijbms-112	270	10	of	of	ADP
aijbms-112	270	11	credit	credit	NOUN
aijbms-112	270	12	risk	risk	NOUN
aijbms-112	270	13	management	management	NOUN
aijbms-112	270	14	in	in	ADP
aijbms-112	270	15	financial	financial	ADJ
aijbms-112	270	16	performance	performance	NOUN
aijbms-112	270	17	of	of	ADP
aijbms-112	270	18	commercial	commercial	ADJ
aijbms-112	270	19	banks	bank	NOUN
aijbms-112	270	20	in	in	ADP
aijbms-112	270	21	nepal	nepal	ADJ
aijbms-112	270	22	.	.	PUNCT
aijbms-112	271	1	international	international	ADJ
aijbms-112	271	2	journal	journal	PROPN
aijbms-112	271	3	of	of	ADP
aijbms-112	271	4	arts	art	NOUN
aijbms-112	271	5	and	and	CCONJ
aijbms-112	271	6	commerce	commerce	NOUN
aijbms-112	271	7	,	,	PUNCT
aijbms-112	271	8	6(1	6(1	NUM
aijbms-112	271	9	)	)	PUNCT
aijbms-112	271	10	,	,	PUNCT
aijbms-112	271	11	23	23	NUM
aijbms-112	271	12	-	-	SYM
aijbms-112	271	13	41	41	NUM
aijbms-112	271	14	.	.	PUNCT
aijbms-112	272	1	www.acseusa.org/journal/index.php/aijbms	www.acseusa.org/journal/index.php/aijbms	PROPN
aijbms-112	272	2	american	american	PROPN
aijbms-112	272	3	international	international	PROPN
aijbms-112	272	4	journal	journal	PROPN
aijbms-112	272	5	of	of	ADP
aijbms-112	272	6	business	business	NOUN
aijbms-112	272	7	and	and	CCONJ
aijbms-112	272	8	management	management	NOUN
aijbms-112	272	9	studies	study	NOUN
aijbms-112	272	10	vol	vol	NOUN
aijbms-112	272	11	.	.	PROPN
aijbms-112	273	1	1	1	NUM
aijbms-112	273	2	,	,	PUNCT
aijbms-112	273	3	no	no	INTJ
aijbms-112	273	4	.	.	NOUN
aijbms-112	273	5	1	1	NUM
aijbms-112	273	6	;	;	PUNCT
aijbms-112	273	7	2019	2019	NUM
aijbms-112	273	8	47	47	NUM
aijbms-112	273	9	sanusi	sanusi	NOUN
aijbms-112	273	10	,	,	PUNCT
aijbms-112	273	11	l.	l.	PROPN
aijbms-112	273	12	,	,	PUNCT
aijbms-112	273	13	(	(	PUNCT
aijbms-112	273	14	2010	2010	NUM
aijbms-112	273	15	)	)	PUNCT
aijbms-112	273	16	.	.	PUNCT
aijbms-112	274	1	the	the	DET
aijbms-112	274	2	nigerian	nigerian	ADJ
aijbms-112	274	3	banking	banking	NOUN
aijbms-112	274	4	industry	industry	NOUN
aijbms-112	274	5	:	:	PUNCT
aijbms-112	274	6	what	what	PRON
aijbms-112	274	7	went	go	VERB
aijbms-112	274	8	wrong	wrong	ADJ
aijbms-112	274	9	and	and	CCONJ
aijbms-112	274	10	the	the	DET
aijbms-112	274	11	way	way	NOUN
aijbms-112	274	12	forward	forward	ADJ
aijbms-112	274	13	convocation	convocation	NOUN
aijbms-112	274	14	lecture	lecture	NOUN
aijbms-112	274	15	,	,	PUNCT
aijbms-112	274	16	bayero	bayero	PROPN
aijbms-112	274	17	university	university	PROPN
aijbms-112	274	18	kano	kano	PROPN
aijbms-112	274	19	.	.	PUNCT
aijbms-112	275	1	swamy	swamy	PROPN
aijbms-112	275	2	,	,	PUNCT
aijbms-112	275	3	v.	v.	ADV
aijbms-112	275	4	,	,	PUNCT
aijbms-112	275	5	(	(	PUNCT
aijbms-112	275	6	2015	2015	NUM
aijbms-112	275	7	)	)	PUNCT
aijbms-112	275	8	.	.	PUNCT
aijbms-112	276	1	modeling	model	VERB
aijbms-112	276	2	bank	bank	NOUN
aijbms-112	276	3	asset	asset	NOUN
aijbms-112	276	4	quality	quality	NOUN
aijbms-112	276	5	and	and	CCONJ
aijbms-112	276	6	profitability	profitability	NOUN
aijbms-112	276	7	:	:	PUNCT
aijbms-112	276	8	an	an	DET
aijbms-112	276	9	empirical	empirical	ADJ
aijbms-112	276	10	assessment	assessment	NOUN
aijbms-112	276	11	.	.	PUNCT
aijbms-112	277	1	economics	economic	NOUN
aijbms-112	277	2	.	.	PUNCT
aijbms-112	278	1	kiel	kiel	PROPN
aijbms-112	278	2	institute	institute	PROPN
aijbms-112	278	3	for	for	ADP
aijbms-112	278	4	the	the	DET
aijbms-112	278	5	world	world	NOUN
aijbms-112	278	6	economy	economy	NOUN
aijbms-112	278	7	discussion	discussion	NOUN
aijbms-112	278	8	papers	paper	NOUN
aijbms-112	278	9	no	no	DET
aijbms-112	278	10	27	27	NUM
aijbms-112	278	11	.	.	PUNCT
aijbms-112	279	1	thachappilly	thachappilly	ADV
aijbms-112	279	2	,	,	PUNCT
aijbms-112	279	3	g.	g.	PROPN
aijbms-112	279	4	(	(	PUNCT
aijbms-112	279	5	2009	2009	NUM
aijbms-112	279	6	)	)	PUNCT
aijbms-112	279	7	.	.	PUNCT
aijbms-112	280	1	profitability	profitability	NOUN
aijbms-112	280	2	ratios	ratio	NOUN
aijbms-112	280	3	measure	measure	VERB
aijbms-112	280	4	margins	margin	NOUN
aijbms-112	280	5	and	and	CCONJ
aijbms-112	280	6	returns	return	NOUN
aijbms-112	280	7	:	:	PUNCT
aijbms-112	280	8	profit	profit	NOUN
aijbms-112	280	9	ratios	ratio	NOUN
aijbms-112	280	10	work	work	VERB
aijbms-112	280	11	with	with	ADP
aijbms-112	280	12	gross	gross	ADJ
aijbms-112	280	13	,	,	PUNCT
aijbms-112	280	14	operating	operating	NOUN
aijbms-112	280	15	,	,	PUNCT
aijbms-112	280	16	pretax	pretax	ADJ
aijbms-112	280	17	and	and	CCONJ
aijbms-112	280	18	net	net	ADJ
aijbms-112	280	19	profits	profit	NOUN
aijbms-112	280	20	”	"	PUNCT
aijbms-112	280	21	.	.	PUNCT
aijbms-112	281	1	investors	investor	NOUN
aijbms-112	281	2	.	.	PUNCT
aijbms-112	282	1	john	john	PROPN
aijbms-112	282	2	wiley	wiley	PROPN
aijbms-112	282	3	&	&	CCONJ
aijbms-112	282	4	sons	sons	PROPN
aijbms-112	282	5	(	(	PUNCT
aijbms-112	282	6	asia	asia	PROPN
aijbms-112	282	7	)	)	PUNCT
aijbms-112	282	8	pre	pre	X
aijbms-112	282	9	ltd	ltd	PROPN
aijbms-112	282	10	.	.	PROPN
aijbms-112	282	11	thiagarajan	thiagarajan	PROPN
aijbms-112	282	12	,	,	PUNCT
aijbms-112	282	13	s.	s.	PROPN
aijbms-112	282	14	,	,	PUNCT
aijbms-112	282	15	ayyappan	ayyappan	PROPN
aijbms-112	282	16	,	,	PUNCT
aijbms-112	282	17	s.	s.	PROPN
aijbms-112	282	18	&	&	CCONJ
aijbms-112	282	19	ramachandran	ramachandran	PROPN
aijbms-112	282	20	,	,	PUNCT
aijbms-112	282	21	a.	a.	NOUN
aijbms-112	282	22	(	(	PUNCT
aijbms-112	282	23	2011	2011	NUM
aijbms-112	282	24	)	)	PUNCT
aijbms-112	282	25	.	.	PUNCT
aijbms-112	283	1	credit	credit	NOUN
aijbms-112	283	2	risk	risk	NOUN
aijbms-112	283	3	determinants	determinant	NOUN
aijbms-112	283	4	of	of	ADP
aijbms-112	283	5	public	public	ADJ
aijbms-112	283	6	and	and	CCONJ
aijbms-112	283	7	private	private	ADJ
aijbms-112	283	8	sector	sector	NOUN
aijbms-112	283	9	banks	bank	NOUN
aijbms-112	283	10	in	in	ADP
aijbms-112	283	11	india	india	PROPN
aijbms-112	283	12	,	,	PUNCT
aijbms-112	283	13	european	european	PROPN
aijbms-112	283	14	journal	journal	PROPN
aijbms-112	283	15	of	of	ADP
aijbms-112	283	16	economics	economic	NOUN
aijbms-112	283	17	,	,	PUNCT
aijbms-112	283	18	finance	finance	NOUN
aijbms-112	283	19	and	and	CCONJ
aijbms-112	283	20	administrative	administrative	ADJ
aijbms-112	283	21	sciences	science	NOUN
aijbms-112	283	22	,	,	PUNCT
aijbms-112	283	23	3(4	3(4	NUM
aijbms-112	283	24	)	)	PUNCT
aijbms-112	283	25	,	,	PUNCT
aijbms-112	283	26	45	45	NUM
aijbms-112	283	27	-	-	SYM
aijbms-112	283	28	58	58	NUM
aijbms-112	283	29	.	.	PUNCT
aijbms-112	284	1	copyrights	copyright	VERB
aijbms-112	284	2	copyright	copyright	NOUN
aijbms-112	284	3	for	for	ADP
aijbms-112	284	4	this	this	DET
aijbms-112	284	5	article	article	NOUN
aijbms-112	284	6	is	be	AUX
aijbms-112	284	7	retained	retain	VERB
aijbms-112	284	8	by	by	ADP
aijbms-112	284	9	the	the	DET
aijbms-112	284	10	author(s	author(s	PROPN
aijbms-112	284	11	)	)	PUNCT
aijbms-112	284	12	,	,	PUNCT
aijbms-112	284	13	with	with	ADP
aijbms-112	284	14	first	first	ADJ
aijbms-112	284	15	publication	publication	NOUN
aijbms-112	284	16	rights	right	NOUN
aijbms-112	284	17	granted	grant	VERB
aijbms-112	284	18	to	to	ADP
aijbms-112	284	19	the	the	DET
aijbms-112	284	20	journal	journal	NOUN
aijbms-112	284	21	.	.	PUNCT
aijbms-112	285	1	this	this	PRON
aijbms-112	285	2	is	be	AUX
aijbms-112	285	3	an	an	DET
aijbms-112	285	4	open	open	ADJ
aijbms-112	285	5	-	-	PUNCT
aijbms-112	285	6	access	access	NOUN
aijbms-112	285	7	article	article	NOUN
aijbms-112	285	8	distributed	distribute	VERB
aijbms-112	285	9	under	under	ADP
aijbms-112	285	10	the	the	DET
aijbms-112	285	11	terms	term	NOUN
aijbms-112	285	12	and	and	CCONJ
aijbms-112	285	13	conditions	condition	NOUN
aijbms-112	285	14	of	of	ADP
aijbms-112	285	15	the	the	DET
aijbms-112	285	16	creative	creative	ADJ
aijbms-112	285	17	commons	common	NOUN
aijbms-112	285	18	attribution	attribution	NOUN
aijbms-112	285	19	license	license	NOUN
aijbms-112	285	20	(	(	PUNCT
aijbms-112	285	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijbms-112	285	22	)	)	PUNCT
aijbms-112	285	23	.	.	PUNCT