id	sid	tid	token	lemma	pos
ajbmeb-1250	1	1	american	american	PROPN
ajbmeb-1250	1	2	journal	journal	PROPN
ajbmeb-1250	1	3	of	of	ADP
ajbmeb-1250	1	4	business	business	NOUN
ajbmeb-1250	1	5	management	management	NOUN
ajbmeb-1250	1	6	,	,	PUNCT
ajbmeb-1250	1	7	economics	economic	NOUN
ajbmeb-1250	1	8	and	and	CCONJ
ajbmeb-1250	1	9	banking	banking	NOUN
ajbmeb-1250	1	10	issn	issn	PROPN
ajbmeb-1250	1	11	(	(	PUNCT
ajbmeb-1250	1	12	e	e	NOUN
ajbmeb-1250	1	13	):	):	PUNCT
ajbmeb-1250	1	14	2832	2832	NUM
ajbmeb-1250	1	15	-	-	SYM
ajbmeb-1250	1	16	8078	8078	NUM
ajbmeb-1250	1	17	volume	volume	NOUN
ajbmeb-1250	1	18	16	16	NUM
ajbmeb-1250	1	19	,	,	PUNCT
ajbmeb-1250	1	20	|	|	ADV
ajbmeb-1250	1	21	sep	sep	PROPN
ajbmeb-1250	1	22	.	.	PROPN
ajbmeb-1250	1	23	,	,	PUNCT
ajbmeb-1250	1	24	2023	2023	NUM
ajbmeb-1250	1	25	p	p	NOUN
ajbmeb-1250	1	26	a	a	DET
ajbmeb-1250	1	27	g	g	NOUN
ajbmeb-1250	1	28	e	e	NOUN
ajbmeb-1250	1	29	|	|	ADV
ajbmeb-1250	1	30	212	212	NUM
ajbmeb-1250	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	1	32	liquidity	liquidity	NOUN
ajbmeb-1250	1	33	management	management	NOUN
ajbmeb-1250	1	34	and	and	CCONJ
ajbmeb-1250	1	35	quoted	quote	VERB
ajbmeb-1250	1	36	deposit	deposit	NOUN
ajbmeb-1250	1	37	money	money	NOUN
ajbmeb-1250	1	38	banks	bank	NOUN
ajbmeb-1250	1	39	financial	financial	ADJ
ajbmeb-1250	1	40	performance	performance	NOUN
ajbmeb-1250	1	41	in	in	ADP
ajbmeb-1250	1	42	nigeria	nigeria	PROPN
ajbmeb-1250	1	43	nwokoro	nwokoro	PROPN
ajbmeb-1250	1	44	,	,	PUNCT
ajbmeb-1250	1	45	a.	a.	PROPN
ajbmeb-1250	1	46	i.	i.	PROPN
ajbmeb-1250	1	47	ironkwe	ironkwe	PROPN
ajbmeb-1250	1	48	,	,	PUNCT
ajbmeb-1250	1	49	u.i	u.i	PROPN
ajbmeb-1250	1	50	.	.	PROPN
ajbmeb-1250	1	51	nwaiwu	nwaiwu	PROPN
ajbmeb-1250	1	52	,	,	PUNCT
ajbmeb-1250	1	53	j.n	j.n	PROPN
ajbmeb-1250	1	54	.	.	PROPN
ajbmeb-1250	1	55	department	department	PROPN
ajbmeb-1250	1	56	of	of	ADP
ajbmeb-1250	1	57	accounting	accounting	NOUN
ajbmeb-1250	1	58	,	,	PUNCT
ajbmeb-1250	1	59	faculty	faculty	NOUN
ajbmeb-1250	1	60	of	of	ADP
ajbmeb-1250	1	61	management	management	NOUN
ajbmeb-1250	1	62	science	science	NOUN
ajbmeb-1250	1	63	,	,	PUNCT
ajbmeb-1250	1	64	university	university	NOUN
ajbmeb-1250	1	65	of	of	ADP
ajbmeb-1250	1	66	port	port	NOUN
ajbmeb-1250	1	67	–	–	PUNCT
ajbmeb-1250	1	68	harcourt	harcourt	PROPN
ajbmeb-1250	1	69	,	,	PUNCT
ajbmeb-1250	1	70	choba	choba	PROPN
ajbmeb-1250	1	71	,	,	PUNCT
ajbmeb-1250	1	72	port	port	NOUN
ajbmeb-1250	1	73	harcourt	harcourt	PROPN
ajbmeb-1250	1	74	.	.	PUNCT
ajbmeb-1250	2	1	email	email	NOUN
ajbmeb-1250	2	2	:	:	PUNCT
ajbmeb-1250	2	3	anne.nwokoro@yahoo.com	anne.nwokoro@yahoo.com	X
ajbmeb-1250	2	4	johnsonnwaiuw@gmail.com	johnsonnwaiuw@gmail.com	VERB
ajbmeb-1250	2	5	a	a	DET
ajbmeb-1250	2	6	b	b	PROPN
ajbmeb-1250	2	7	s	s	ADP
ajbmeb-1250	2	8	t	t	PROPN
ajbmeb-1250	2	9	r	r	NOUN
ajbmeb-1250	2	10	a	a	DET
ajbmeb-1250	2	11	c	c	NOUN
ajbmeb-1250	2	12	k	k	PROPN
ajbmeb-1250	2	13	e	e	PROPN
ajbmeb-1250	2	14	y	y	PROPN
ajbmeb-1250	2	15	w	w	NOUN
ajbmeb-1250	2	16	o	o	NOUN
ajbmeb-1250	2	17	r	r	NOUN
ajbmeb-1250	2	18	d	d	PROPN
ajbmeb-1250	2	19	s	s	NOUN
ajbmeb-1250	2	20	liquidity	liquidity	NOUN
ajbmeb-1250	2	21	management	management	NOUN
ajbmeb-1250	2	22	is	be	AUX
ajbmeb-1250	2	23	one	one	NUM
ajbmeb-1250	2	24	of	of	ADP
ajbmeb-1250	2	25	the	the	DET
ajbmeb-1250	2	26	most	most	ADV
ajbmeb-1250	2	27	important	important	ADJ
ajbmeb-1250	2	28	duties	duty	NOUN
ajbmeb-1250	2	29	in	in	ADP
ajbmeb-1250	2	30	any	any	DET
ajbmeb-1250	2	31	company	company	NOUN
ajbmeb-1250	2	32	and	and	CCONJ
ajbmeb-1250	2	33	thus	thus	ADV
ajbmeb-1250	2	34	it	it	PRON
ajbmeb-1250	2	35	can	can	AUX
ajbmeb-1250	2	36	not	not	PART
ajbmeb-1250	2	37	be	be	AUX
ajbmeb-1250	2	38	overlooked	overlook	VERB
ajbmeb-1250	2	39	.	.	PUNCT
ajbmeb-1250	3	1	sound	sound	PROPN
ajbmeb-1250	3	2	liquidity	liquidity	NOUN
ajbmeb-1250	3	3	management	management	NOUN
ajbmeb-1250	3	4	is	be	AUX
ajbmeb-1250	3	5	integral	integral	ADJ
ajbmeb-1250	3	6	for	for	ADP
ajbmeb-1250	3	7	financial	financial	ADJ
ajbmeb-1250	3	8	institutions	institution	NOUN
ajbmeb-1250	3	9	stability	stability	NOUN
ajbmeb-1250	3	10	and	and	CCONJ
ajbmeb-1250	3	11	profitability	profitability	NOUN
ajbmeb-1250	3	12	since	since	SCONJ
ajbmeb-1250	3	13	deteriorating	deteriorate	VERB
ajbmeb-1250	3	14	liquidity	liquidity	NOUN
ajbmeb-1250	3	15	management	management	NOUN
ajbmeb-1250	3	16	is	be	AUX
ajbmeb-1250	3	17	the	the	DET
ajbmeb-1250	3	18	most	most	ADV
ajbmeb-1250	3	19	recurrent	recurrent	ADJ
ajbmeb-1250	3	20	cause	cause	NOUN
ajbmeb-1250	3	21	of	of	ADP
ajbmeb-1250	3	22	poor	poor	ADJ
ajbmeb-1250	3	23	financial	financial	ADJ
ajbmeb-1250	3	24	performance	performance	NOUN
ajbmeb-1250	3	25	.	.	PUNCT
ajbmeb-1250	4	1	the	the	DET
ajbmeb-1250	4	2	aim	aim	NOUN
ajbmeb-1250	4	3	of	of	ADP
ajbmeb-1250	4	4	this	this	DET
ajbmeb-1250	4	5	study	study	NOUN
ajbmeb-1250	4	6	is	be	AUX
ajbmeb-1250	4	7	to	to	PART
ajbmeb-1250	4	8	empirically	empirically	ADV
ajbmeb-1250	4	9	explore	explore	VERB
ajbmeb-1250	4	10	the	the	DET
ajbmeb-1250	4	11	relationship	relationship	NOUN
ajbmeb-1250	4	12	between	between	ADP
ajbmeb-1250	4	13	liquidity	liquidity	NOUN
ajbmeb-1250	4	14	management	management	NOUN
ajbmeb-1250	4	15	and	and	CCONJ
ajbmeb-1250	4	16	financial	financial	ADJ
ajbmeb-1250	4	17	performance	performance	NOUN
ajbmeb-1250	4	18	of	of	ADP
ajbmeb-1250	4	19	listed	list	VERB
ajbmeb-1250	4	20	deposit	deposit	NOUN
ajbmeb-1250	4	21	money	money	NOUN
ajbmeb-1250	4	22	banks	bank	NOUN
ajbmeb-1250	4	23	in	in	ADP
ajbmeb-1250	4	24	nigeria	nigeria	PROPN
ajbmeb-1250	4	25	.	.	PUNCT
ajbmeb-1250	5	1	panel	panel	NOUN
ajbmeb-1250	5	2	data	datum	NOUN
ajbmeb-1250	5	3	of	of	ADP
ajbmeb-1250	5	4	the	the	DET
ajbmeb-1250	5	5	liquidity	liquidity	NOUN
ajbmeb-1250	5	6	management	management	NOUN
ajbmeb-1250	5	7	and	and	CCONJ
ajbmeb-1250	5	8	return	return	NOUN
ajbmeb-1250	5	9	on	on	ADP
ajbmeb-1250	5	10	equity	equity	NOUN
ajbmeb-1250	5	11	were	be	AUX
ajbmeb-1250	5	12	collected	collect	VERB
ajbmeb-1250	5	13	from	from	ADP
ajbmeb-1250	5	14	the	the	DET
ajbmeb-1250	5	15	annual	annual	ADJ
ajbmeb-1250	5	16	report	report	NOUN
ajbmeb-1250	5	17	of	of	ADP
ajbmeb-1250	5	18	eight	eight	NUM
ajbmeb-1250	5	19	listed	list	VERB
ajbmeb-1250	5	20	international	international	ADJ
ajbmeb-1250	5	21	banks	bank	NOUN
ajbmeb-1250	5	22	on	on	ADP
ajbmeb-1250	5	23	nigerian	nigerian	ADJ
ajbmeb-1250	5	24	exchange	exchange	NOUN
ajbmeb-1250	5	25	group	group	NOUN
ajbmeb-1250	5	26	from	from	ADP
ajbmeb-1250	5	27	2010	2010	NUM
ajbmeb-1250	5	28	-	-	SYM
ajbmeb-1250	5	29	2020	2020	NUM
ajbmeb-1250	5	30	.	.	PUNCT
ajbmeb-1250	6	1	ordinary	ordinary	ADJ
ajbmeb-1250	6	2	least	least	ADJ
ajbmeb-1250	6	3	square	square	ADJ
ajbmeb-1250	6	4	regression	regression	NOUN
ajbmeb-1250	6	5	analysis	analysis	NOUN
ajbmeb-1250	6	6	,	,	PUNCT
ajbmeb-1250	6	7	augmented	augment	VERB
ajbmeb-1250	6	8	dickey	dickey	PROPN
ajbmeb-1250	6	9	fuller	full	ADJ
ajbmeb-1250	6	10	unit	unit	NOUN
ajbmeb-1250	6	11	root	root	PROPN
ajbmeb-1250	6	12	test	test	NOUN
ajbmeb-1250	6	13	,	,	PUNCT
ajbmeb-1250	6	14	johansen	johansen	PROPN
ajbmeb-1250	6	15	co	co	PROPN
ajbmeb-1250	6	16	-	-	NOUN
ajbmeb-1250	6	17	integration	integration	NOUN
ajbmeb-1250	6	18	test	test	NOUN
ajbmeb-1250	6	19	,	,	PUNCT
ajbmeb-1250	6	20	lanrange	lanrange	VERB
ajbmeb-1250	6	21	multiplier	multipli	ADJ
ajbmeb-1250	6	22	test	test	NOUN
ajbmeb-1250	6	23	,	,	PUNCT
ajbmeb-1250	6	24	error	error	NOUN
ajbmeb-1250	6	25	correction	correction	NOUN
ajbmeb-1250	6	26	model	model	NOUN
ajbmeb-1250	6	27	were	be	AUX
ajbmeb-1250	6	28	used	use	VERB
ajbmeb-1250	6	29	in	in	ADP
ajbmeb-1250	6	30	analyzing	analyze	VERB
ajbmeb-1250	6	31	the	the	DET
ajbmeb-1250	6	32	data	datum	NOUN
ajbmeb-1250	6	33	.	.	PUNCT
ajbmeb-1250	7	1	the	the	DET
ajbmeb-1250	7	2	results	result	NOUN
ajbmeb-1250	7	3	indicate	indicate	VERB
ajbmeb-1250	7	4	that	that	SCONJ
ajbmeb-1250	7	5	liquidity	liquidity	NOUN
ajbmeb-1250	7	6	management	management	NOUN
ajbmeb-1250	7	7	significantly	significantly	ADV
ajbmeb-1250	7	8	relates	relate	VERB
ajbmeb-1250	7	9	to	to	PART
ajbmeb-1250	7	10	return	return	VERB
ajbmeb-1250	7	11	n	n	DET
ajbmeb-1250	7	12	equity	equity	NOUN
ajbmeb-1250	7	13	.	.	PUNCT
ajbmeb-1250	8	1	the	the	DET
ajbmeb-1250	8	2	study	study	NOUN
ajbmeb-1250	8	3	there	there	ADV
ajbmeb-1250	8	4	conclude	conclude	VERB
ajbmeb-1250	8	5	that	that	SCONJ
ajbmeb-1250	8	6	there	there	PRON
ajbmeb-1250	8	7	is	be	VERB
ajbmeb-1250	8	8	a	a	DET
ajbmeb-1250	8	9	strong	strong	ADJ
ajbmeb-1250	8	10	positive	positive	ADJ
ajbmeb-1250	8	11	relationship	relationship	NOUN
ajbmeb-1250	8	12	between	between	ADP
ajbmeb-1250	8	13	liquidity	liquidity	NOUN
ajbmeb-1250	8	14	management	management	NOUN
ajbmeb-1250	8	15	and	and	CCONJ
ajbmeb-1250	8	16	financial	financial	ADJ
ajbmeb-1250	8	17	performance	performance	NOUN
ajbmeb-1250	8	18	and	and	CCONJ
ajbmeb-1250	8	19	recommend	recommend	VERB
ajbmeb-1250	8	20	that	that	SCONJ
ajbmeb-1250	8	21	central	central	PROPN
ajbmeb-1250	8	22	bank	bank	PROPN
ajbmeb-1250	8	23	nigeria	nigeria	PROPN
ajbmeb-1250	8	24	should	should	AUX
ajbmeb-1250	8	25	critically	critically	ADV
ajbmeb-1250	8	26	review	review	VERB
ajbmeb-1250	8	27	and	and	CCONJ
ajbmeb-1250	8	28	follow	follow	VERB
ajbmeb-1250	8	29	-	-	PUNCT
ajbmeb-1250	8	30	up	up	NOUN
ajbmeb-1250	8	31	or	or	CCONJ
ajbmeb-1250	8	32	monitor	monitor	VERB
ajbmeb-1250	8	33	the	the	DET
ajbmeb-1250	8	34	effectiveness	effectiveness	NOUN
ajbmeb-1250	8	35	of	of	ADP
ajbmeb-1250	8	36	liquidity	liquidity	NOUN
ajbmeb-1250	8	37	policy	policy	NOUN
ajbmeb-1250	8	38	tools	tool	NOUN
ajbmeb-1250	8	39	in	in	ADP
ajbmeb-1250	8	40	banks	bank	NOUN
ajbmeb-1250	8	41	and	and	CCONJ
ajbmeb-1250	8	42	where	where	SCONJ
ajbmeb-1250	8	43	necessary	necessary	ADJ
ajbmeb-1250	8	44	,	,	PUNCT
ajbmeb-1250	8	45	appropriate	appropriate	ADJ
ajbmeb-1250	8	46	sanctions	sanction	NOUN
ajbmeb-1250	8	47	placed	place	VERB
ajbmeb-1250	8	48	on	on	ADP
ajbmeb-1250	8	49	erring	err	VERB
ajbmeb-1250	8	50	banks	bank	NOUN
ajbmeb-1250	8	51	to	to	PART
ajbmeb-1250	8	52	ensure	ensure	VERB
ajbmeb-1250	8	53	effective	effective	ADJ
ajbmeb-1250	8	54	implementation	implementation	NOUN
ajbmeb-1250	8	55	of	of	ADP
ajbmeb-1250	8	56	these	these	DET
ajbmeb-1250	8	57	policy	policy	NOUN
ajbmeb-1250	8	58	tools	tool	NOUN
ajbmeb-1250	8	59	in	in	ADP
ajbmeb-1250	8	60	an	an	DET
ajbmeb-1250	8	61	attempt	attempt	NOUN
ajbmeb-1250	8	62	to	to	PART
ajbmeb-1250	8	63	achieve	achieve	VERB
ajbmeb-1250	8	64	desired	desire	VERB
ajbmeb-1250	8	65	liquidity	liquidity	NOUN
ajbmeb-1250	8	66	level	level	NOUN
ajbmeb-1250	8	67	.	.	PUNCT
ajbmeb-1250	9	1	liquidity	liquidity	NOUN
ajbmeb-1250	9	2	,	,	PUNCT
ajbmeb-1250	9	3	financial	financial	ADJ
ajbmeb-1250	9	4	performance	performance	NOUN
ajbmeb-1250	9	5	,	,	PUNCT
ajbmeb-1250	9	6	return	return	VERB
ajbmeb-1250	9	7	on	on	ADP
ajbmeb-1250	9	8	equity	equity	NOUN
ajbmeb-1250	9	9	,	,	PUNCT
ajbmeb-1250	9	10	banks	bank	NOUN
ajbmeb-1250	9	11	,	,	PUNCT
ajbmeb-1250	9	12	nigeria	nigeria	PROPN
ajbmeb-1250	9	13	.	.	PUNCT
ajbmeb-1250	10	1	introduction	introduction	NOUN
ajbmeb-1250	10	2	long	long	ADV
ajbmeb-1250	10	3	but	but	CCONJ
ajbmeb-1250	10	4	large	large	ADJ
ajbmeb-1250	10	5	,	,	PUNCT
ajbmeb-1250	10	6	a	a	DET
ajbmeb-1250	10	7	sound	sound	ADJ
ajbmeb-1250	10	8	financial	financial	ADJ
ajbmeb-1250	10	9	statement	statement	NOUN
ajbmeb-1250	10	10	system	system	NOUN
ajbmeb-1250	10	11	is	be	AUX
ajbmeb-1250	10	12	indispensable	indispensable	ADJ
ajbmeb-1250	10	13	for	for	ADP
ajbmeb-1250	10	14	a	a	DET
ajbmeb-1250	10	15	healthy	healthy	ADJ
ajbmeb-1250	10	16	and	and	CCONJ
ajbmeb-1250	10	17	thrilling	thrilling	ADJ
ajbmeb-1250	10	18	economy	economy	NOUN
ajbmeb-1250	10	19	.	.	PUNCT
ajbmeb-1250	11	1	the	the	DET
ajbmeb-1250	11	2	performance	performance	NOUN
ajbmeb-1250	11	3	of	of	ADP
ajbmeb-1250	11	4	any	any	DET
ajbmeb-1250	11	5	economy	economy	NOUN
ajbmeb-1250	11	6	is	be	AUX
ajbmeb-1250	11	7	to	to	PART
ajbmeb-1250	11	8	largest	large	ADJ
ajbmeb-1250	11	9	extant	extant	ADJ
ajbmeb-1250	11	10	dependent	dependent	ADJ
ajbmeb-1250	11	11	on	on	ADP
ajbmeb-1250	11	12	the	the	DET
ajbmeb-1250	11	13	performance	performance	NOUN
ajbmeb-1250	11	14	of	of	ADP
ajbmeb-1250	11	15	the	the	DET
ajbmeb-1250	11	16	banking	banking	NOUN
ajbmeb-1250	11	17	sector	sector	NOUN
ajbmeb-1250	11	18	(	(	PUNCT
ajbmeb-1250	11	19	lucky	lucky	PROPN
ajbmeb-1250	11	20	&	&	CCONJ
ajbmeb-1250	11	21	nwosi	nwosi	PROPN
ajbmeb-1250	11	22	,	,	PUNCT
ajbmeb-1250	11	23	2015	2015	NUM
ajbmeb-1250	11	24	;	;	PUNCT
ajbmeb-1250	11	25	musgoki	musgoki	NOUN
ajbmeb-1250	11	26	&	&	CCONJ
ajbmeb-1250	11	27	kadaso	kadaso	NOUN
ajbmeb-1250	11	28	,	,	PUNCT
ajbmeb-1250	11	29	2021	2021	NUM
ajbmeb-1250	11	30	;	;	PUNCT
ajbmeb-1250	11	31	uremadu	uremadu	ADJ
ajbmeb-1250	11	32	,	,	PUNCT
ajbmeb-1250	11	33	2022	2022	NUM
ajbmeb-1250	11	34	;	;	PUNCT
ajbmeb-1250	11	35	wilner	wilner	X
ajbmeb-1250	11	36	,	,	PUNCT
ajbmeb-1250	11	37	2023	2023	NUM
ajbmeb-1250	11	38	)	)	PUNCT
ajbmeb-1250	11	39	.	.	PUNCT
ajbmeb-1250	12	1	the	the	DET
ajbmeb-1250	12	2	african	african	ADJ
ajbmeb-1250	12	3	banking	banking	NOUN
ajbmeb-1250	12	4	system	system	NOUN
ajbmeb-1250	12	5	and	and	CCONJ
ajbmeb-1250	12	6	regulation	regulation	NOUN
ajbmeb-1250	12	7	relative	relative	ADJ
ajbmeb-1250	12	8	to	to	ADP
ajbmeb-1250	12	9	other	other	ADJ
ajbmeb-1250	12	10	parts	part	NOUN
ajbmeb-1250	12	11	of	of	ADP
ajbmeb-1250	12	12	the	the	DET
ajbmeb-1250	12	13	world	world	NOUN
ajbmeb-1250	12	14	shows	show	VERB
ajbmeb-1250	12	15	that	that	SCONJ
ajbmeb-1250	12	16	the	the	DET
ajbmeb-1250	12	17	banking	banking	NOUN
ajbmeb-1250	12	18	environment	environment	NOUN
ajbmeb-1250	12	19	(	(	PUNCT
ajbmeb-1250	12	20	encompassing	encompass	VERB
ajbmeb-1250	12	21	depth	depth	NOUN
ajbmeb-1250	12	22	,	,	PUNCT
ajbmeb-1250	12	23	efficiency	efficiency	NOUN
ajbmeb-1250	12	24	,	,	PUNCT
ajbmeb-1250	12	25	penetration	penetration	NOUN
ajbmeb-1250	12	26	,	,	PUNCT
ajbmeb-1250	12	27	innovation	innovation	NOUN
ajbmeb-1250	12	28	and	and	CCONJ
ajbmeb-1250	12	29	competition	competition	NOUN
ajbmeb-1250	12	30	)	)	PUNCT
ajbmeb-1250	12	31	as	as	ADV
ajbmeb-1250	12	32	well	well	ADV
ajbmeb-1250	12	33	as	as	ADP
ajbmeb-1250	12	34	regulation	regulation	NOUN
ajbmeb-1250	12	35	and	and	CCONJ
ajbmeb-1250	12	36	supervision	supervision	NOUN
ajbmeb-1250	12	37	standards	standard	NOUN
ajbmeb-1250	12	38	is	be	AUX
ajbmeb-1250	12	39	relatively	relatively	ADV
ajbmeb-1250	12	40	shallow	shallow	ADJ
ajbmeb-1250	12	41	and	and	CCONJ
ajbmeb-1250	12	42	less	less	ADV
ajbmeb-1250	12	43	penetrated	penetrate	VERB
ajbmeb-1250	12	44	.	.	PUNCT
ajbmeb-1250	13	1	the	the	DET
ajbmeb-1250	13	2	difficulties	difficulty	NOUN
ajbmeb-1250	13	3	in	in	ADP
ajbmeb-1250	13	4	creating	create	VERB
ajbmeb-1250	13	5	borrowers	borrower	NOUN
ajbmeb-1250	13	6	’	'	PUNCT
ajbmeb-1250	13	7	american	american	ADJ
ajbmeb-1250	13	8	journal	journal	PROPN
ajbmeb-1250	13	9	of	of	ADP
ajbmeb-1250	13	10	business	business	NOUN
ajbmeb-1250	13	11	management	management	NOUN
ajbmeb-1250	13	12	,	,	PUNCT
ajbmeb-1250	13	13	economics	economic	NOUN
ajbmeb-1250	13	14	and	and	CCONJ
ajbmeb-1250	13	15	banking	banking	NOUN
ajbmeb-1250	13	16	volume	volume	NOUN
ajbmeb-1250	13	17	16	16	NUM
ajbmeb-1250	13	18	sep	sep	PROPN
ajbmeb-1250	13	19	,	,	PUNCT
ajbmeb-1250	13	20	2023	2023	NUM
ajbmeb-1250	13	21	p	p	NOUN
ajbmeb-1250	13	22	a	a	DET
ajbmeb-1250	13	23	g	g	NOUN
ajbmeb-1250	13	24	e	e	NOUN
ajbmeb-1250	13	25	|	|	ADV
ajbmeb-1250	13	26	213	213	NUM
ajbmeb-1250	13	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	13	28	ability	ability	NOUN
ajbmeb-1250	13	29	and	and	CCONJ
ajbmeb-1250	13	30	willingness	willingness	NOUN
ajbmeb-1250	13	31	to	to	PART
ajbmeb-1250	13	32	repay	repay	VERB
ajbmeb-1250	13	33	,	,	PUNCT
ajbmeb-1250	13	34	and	and	CCONJ
ajbmeb-1250	13	35	lack	lack	NOUN
ajbmeb-1250	13	36	of	of	ADP
ajbmeb-1250	13	37	legal	legal	ADJ
ajbmeb-1250	13	38	support	support	NOUN
ajbmeb-1250	13	39	for	for	ADP
ajbmeb-1250	13	40	creditor	creditor	NOUN
ajbmeb-1250	13	41	rights	right	NOUN
ajbmeb-1250	13	42	limit	limit	VERB
ajbmeb-1250	13	43	banks	bank	NOUN
ajbmeb-1250	13	44	’	’	PART
ajbmeb-1250	13	45	lending	lending	NOUN
ajbmeb-1250	13	46	schemes	scheme	NOUN
ajbmeb-1250	13	47	,	,	PUNCT
ajbmeb-1250	13	48	which	which	PRON
ajbmeb-1250	13	49	contributes	contribute	VERB
ajbmeb-1250	13	50	to	to	PART
ajbmeb-1250	13	51	shallow	shallow	VERB
ajbmeb-1250	13	52	financial	financial	ADJ
ajbmeb-1250	13	53	development	development	NOUN
ajbmeb-1250	13	54	.	.	PUNCT
ajbmeb-1250	14	1	for	for	ADP
ajbmeb-1250	14	2	example	example	NOUN
ajbmeb-1250	14	3	,	,	PUNCT
ajbmeb-1250	14	4	in	in	ADP
ajbmeb-1250	14	5	east	east	PROPN
ajbmeb-1250	14	6	and	and	CCONJ
ajbmeb-1250	14	7	west	west	PROPN
ajbmeb-1250	14	8	africa	africa	PROPN
ajbmeb-1250	14	9	,	,	PUNCT
ajbmeb-1250	14	10	the	the	DET
ajbmeb-1250	14	11	percentage	percentage	NOUN
ajbmeb-1250	14	12	of	of	ADP
ajbmeb-1250	14	13	adults	adult	NOUN
ajbmeb-1250	14	14	in	in	ADP
ajbmeb-1250	14	15	public	public	ADJ
ajbmeb-1250	14	16	credit	credit	NOUN
ajbmeb-1250	14	17	registry	registry	NOUN
ajbmeb-1250	14	18	remains	remain	VERB
ajbmeb-1250	14	19	low	low	ADJ
ajbmeb-1250	14	20	on	on	ADP
ajbmeb-1250	14	21	average	average	ADJ
ajbmeb-1250	14	22	,	,	PUNCT
ajbmeb-1250	14	23	accounting	account	VERB
ajbmeb-1250	14	24	for	for	ADP
ajbmeb-1250	14	25	less	less	ADJ
ajbmeb-1250	14	26	than	than	ADP
ajbmeb-1250	14	27	1	1	NUM
ajbmeb-1250	14	28	%	%	NOUN
ajbmeb-1250	14	29	and	and	CCONJ
ajbmeb-1250	14	30	3	3	NUM
ajbmeb-1250	14	31	%	%	NOUN
ajbmeb-1250	14	32	of	of	ADP
ajbmeb-1250	14	33	adult	adult	NOUN
ajbmeb-1250	14	34	population	population	NOUN
ajbmeb-1250	14	35	respectively	respectively	ADV
ajbmeb-1250	14	36	.	.	PUNCT
ajbmeb-1250	15	1	besides	besides	SCONJ
ajbmeb-1250	15	2	,	,	PUNCT
ajbmeb-1250	15	3	in	in	ADP
ajbmeb-1250	15	4	africa	africa	PROPN
ajbmeb-1250	15	5	,	,	PUNCT
ajbmeb-1250	15	6	there	there	PRON
ajbmeb-1250	15	7	is	be	VERB
ajbmeb-1250	15	8	also	also	ADV
ajbmeb-1250	15	9	low	low	ADJ
ajbmeb-1250	15	10	financial	financial	ADJ
ajbmeb-1250	15	11	penetration	penetration	NOUN
ajbmeb-1250	15	12	less	less	ADJ
ajbmeb-1250	15	13	than	than	ADP
ajbmeb-1250	15	14	a	a	DET
ajbmeb-1250	15	15	quarter	quarter	NOUN
ajbmeb-1250	15	16	of	of	ADP
ajbmeb-1250	15	17	sub	sub	ADJ
ajbmeb-1250	15	18	-	-	ADJ
ajbmeb-1250	15	19	saharan	saharan	ADJ
ajbmeb-1250	15	20	africa	africa	PROPN
ajbmeb-1250	15	21	’s	’s	PART
ajbmeb-1250	15	22	population	population	NOUN
ajbmeb-1250	15	23	has	have	VERB
ajbmeb-1250	15	24	access	access	NOUN
ajbmeb-1250	15	25	to	to	ADP
ajbmeb-1250	15	26	a	a	DET
ajbmeb-1250	15	27	formal	formal	ADJ
ajbmeb-1250	15	28	bank	bank	NOUN
ajbmeb-1250	15	29	account	account	NOUN
ajbmeb-1250	15	30	.	.	PUNCT
ajbmeb-1250	16	1	this	this	PRON
ajbmeb-1250	16	2	indicates	indicate	VERB
ajbmeb-1250	16	3	that	that	SCONJ
ajbmeb-1250	16	4	;	;	PUNCT
ajbmeb-1250	16	5	there	there	PRON
ajbmeb-1250	16	6	is	be	VERB
ajbmeb-1250	16	7	less	less	ADV
ajbmeb-1250	16	8	financial	financial	ADJ
ajbmeb-1250	16	9	inclusion	inclusion	NOUN
ajbmeb-1250	16	10	particularly	particularly	ADV
ajbmeb-1250	16	11	in	in	ADP
ajbmeb-1250	16	12	low	low	ADJ
ajbmeb-1250	16	13	income	income	NOUN
ajbmeb-1250	16	14	communities	community	NOUN
ajbmeb-1250	16	15	and	and	CCONJ
ajbmeb-1250	16	16	“	"	PUNCT
ajbmeb-1250	16	17	the	the	DET
ajbmeb-1250	16	18	degree	degree	NOUN
ajbmeb-1250	16	19	to	to	PART
ajbmeb-1250	16	20	which	which	PRON
ajbmeb-1250	16	21	private	private	ADJ
ajbmeb-1250	16	22	individuals	individual	NOUN
ajbmeb-1250	16	23	can	can	AUX
ajbmeb-1250	16	24	access	access	VERB
ajbmeb-1250	16	25	financial	financial	ADJ
ajbmeb-1250	16	26	services	service	NOUN
ajbmeb-1250	16	27	is	be	AUX
ajbmeb-1250	16	28	limited	limited	ADJ
ajbmeb-1250	16	29	.	.	PUNCT
ajbmeb-1250	17	1	in	in	ADP
ajbmeb-1250	17	2	sub	sub	ADJ
ajbmeb-1250	17	3	-	-	ADJ
ajbmeb-1250	17	4	saharan	saharan	ADJ
ajbmeb-1250	17	5	africa	africa	PROPN
ajbmeb-1250	17	6	,	,	PUNCT
ajbmeb-1250	17	7	only	only	ADV
ajbmeb-1250	17	8	21	21	NUM
ajbmeb-1250	17	9	%	%	NOUN
ajbmeb-1250	17	10	of	of	ADP
ajbmeb-1250	17	11	the	the	DET
ajbmeb-1250	17	12	adult	adult	NOUN
ajbmeb-1250	17	13	population	population	NOUN
ajbmeb-1250	17	14	has	have	VERB
ajbmeb-1250	17	15	bank	bank	NOUN
ajbmeb-1250	17	16	account	account	NOUN
ajbmeb-1250	17	17	which	which	PRON
ajbmeb-1250	17	18	is	be	AUX
ajbmeb-1250	17	19	the	the	DET
ajbmeb-1250	17	20	lowest	low	ADJ
ajbmeb-1250	17	21	level	level	NOUN
ajbmeb-1250	17	22	of	of	ADP
ajbmeb-1250	17	23	financial	financial	ADJ
ajbmeb-1250	17	24	penetrations	penetration	NOUN
ajbmeb-1250	17	25	(	(	PUNCT
ajbmeb-1250	17	26	olagunju	olagunju	NOUN
ajbmeb-1250	17	27	;	;	PUNCT
ajbmeb-1250	17	28	adeyanju	adeyanju	PROPN
ajbmeb-1250	17	29	&	&	CCONJ
ajbmeb-1250	17	30	olabode	olabode	PROPN
ajbmeb-1250	17	31	2016	2016	NUM
ajbmeb-1250	17	32	;	;	PUNCT
ajbmeb-1250	17	33	kehinde	kehinde	NOUN
ajbmeb-1250	17	34	,	,	PUNCT
ajbmeb-1250	17	35	2023	2023	NUM
ajbmeb-1250	17	36	)	)	PUNCT
ajbmeb-1250	17	37	.	.	PUNCT
ajbmeb-1250	18	1	admassn	admassn	PROPN
ajbmeb-1250	18	2	and	and	CCONJ
ajbmeb-1250	18	3	asayehgn	asayehgn	PROPN
ajbmeb-1250	18	4	(	(	PUNCT
ajbmeb-1250	18	5	2020	2020	NUM
ajbmeb-1250	18	6	)	)	PUNCT
ajbmeb-1250	18	7	and	and	CCONJ
ajbmeb-1250	18	8	ibe	ibe	VERB
ajbmeb-1250	18	9	(	(	PUNCT
ajbmeb-1250	18	10	2023	2023	NUM
ajbmeb-1250	18	11	)	)	PUNCT
ajbmeb-1250	18	12	stated	state	VERB
ajbmeb-1250	18	13	that	that	SCONJ
ajbmeb-1250	18	14	at	at	ADP
ajbmeb-1250	18	15	present	present	ADJ
ajbmeb-1250	18	16	day	day	NOUN
ajbmeb-1250	18	17	,	,	PUNCT
ajbmeb-1250	18	18	nigerian	nigerian	ADJ
ajbmeb-1250	18	19	banking	banking	NOUN
ajbmeb-1250	18	20	sector	sector	NOUN
ajbmeb-1250	18	21	is	be	AUX
ajbmeb-1250	18	22	in	in	ADP
ajbmeb-1250	18	23	a	a	DET
ajbmeb-1250	18	24	rudimentary	rudimentary	ADJ
ajbmeb-1250	18	25	and	and	CCONJ
ajbmeb-1250	18	26	fragile	fragile	ADJ
ajbmeb-1250	18	27	state	state	NOUN
ajbmeb-1250	18	28	.	.	PUNCT
ajbmeb-1250	19	1	it	it	PRON
ajbmeb-1250	19	2	is	be	AUX
ajbmeb-1250	19	3	relatively	relatively	ADV
ajbmeb-1250	19	4	under	under	ADP
ajbmeb-1250	19	5	developed	develop	VERB
ajbmeb-1250	19	6	,	,	PUNCT
ajbmeb-1250	19	7	small	small	ADJ
ajbmeb-1250	19	8	,	,	PUNCT
ajbmeb-1250	19	9	closed	closed	ADJ
ajbmeb-1250	19	10	and	and	CCONJ
ajbmeb-1250	19	11	characterized	characterize	VERB
ajbmeb-1250	19	12	by	by	ADP
ajbmeb-1250	19	13	a	a	DET
ajbmeb-1250	19	14	huge	huge	ADJ
ajbmeb-1250	19	15	share	share	NOUN
ajbmeb-1250	19	16	of	of	ADP
ajbmeb-1250	19	17	state	state	NOUN
ajbmeb-1250	19	18	/	/	SYM
ajbmeb-1250	19	19	individual	individual	ADJ
ajbmeb-1250	19	20	ownership	ownership	NOUN
ajbmeb-1250	19	21	.	.	PUNCT
ajbmeb-1250	20	1	the	the	DET
ajbmeb-1250	20	2	financial	financial	ADJ
ajbmeb-1250	20	3	intermediation	intermediation	NOUN
ajbmeb-1250	20	4	level	level	NOUN
ajbmeb-1250	20	5	in	in	ADP
ajbmeb-1250	20	6	nigeria	nigeria	PROPN
ajbmeb-1250	20	7	is	be	AUX
ajbmeb-1250	20	8	very	very	ADV
ajbmeb-1250	20	9	low	low	ADJ
ajbmeb-1250	20	10	,	,	PUNCT
ajbmeb-1250	20	11	partially	partially	ADV
ajbmeb-1250	20	12	due	due	ADJ
ajbmeb-1250	20	13	to	to	ADP
ajbmeb-1250	20	14	the	the	DET
ajbmeb-1250	20	15	public	public	NOUN
ajbmeb-1250	20	16	’s	’s	PART
ajbmeb-1250	20	17	lack	lack	NOUN
ajbmeb-1250	20	18	of	of	ADP
ajbmeb-1250	20	19	confidence	confidence	NOUN
ajbmeb-1250	20	20	in	in	ADP
ajbmeb-1250	20	21	the	the	DET
ajbmeb-1250	20	22	banking	banking	NOUN
ajbmeb-1250	20	23	sector	sector	NOUN
ajbmeb-1250	20	24	.	.	PUNCT
ajbmeb-1250	21	1	besides	besides	SCONJ
ajbmeb-1250	21	2	,	,	PUNCT
ajbmeb-1250	21	3	the	the	DET
ajbmeb-1250	21	4	problem	problem	NOUN
ajbmeb-1250	21	5	of	of	ADP
ajbmeb-1250	21	6	nonperforming	nonperforme	VERB
ajbmeb-1250	21	7	loan	loan	NOUN
ajbmeb-1250	21	8	is	be	AUX
ajbmeb-1250	21	9	wide	wide	ADV
ajbmeb-1250	21	10	spread	spread	VERB
ajbmeb-1250	21	11	among	among	ADP
ajbmeb-1250	21	12	state	state	NOUN
ajbmeb-1250	21	13	owned	own	VERB
ajbmeb-1250	21	14	banks	bank	NOUN
ajbmeb-1250	21	15	in	in	ADP
ajbmeb-1250	21	16	the	the	DET
ajbmeb-1250	21	17	early	early	ADJ
ajbmeb-1250	21	18	1990s	1990	NOUN
ajbmeb-1250	21	19	that	that	PRON
ajbmeb-1250	21	20	contributed	contribute	VERB
ajbmeb-1250	21	21	for	for	ADP
ajbmeb-1250	21	22	their	their	PRON
ajbmeb-1250	21	23	insolvency	insolvency	NOUN
ajbmeb-1250	21	24	.	.	PUNCT
ajbmeb-1250	22	1	it	it	PRON
ajbmeb-1250	22	2	is	be	AUX
ajbmeb-1250	22	3	also	also	ADV
ajbmeb-1250	22	4	identified	identify	VERB
ajbmeb-1250	22	5	that	that	SCONJ
ajbmeb-1250	22	6	the	the	DET
ajbmeb-1250	22	7	major	major	ADJ
ajbmeb-1250	22	8	determinants	determinant	NOUN
ajbmeb-1250	22	9	that	that	PRON
ajbmeb-1250	22	10	led	lead	VERB
ajbmeb-1250	22	11	banks	bank	NOUN
ajbmeb-1250	22	12	to	to	ADP
ajbmeb-1250	22	13	insolvency	insolvency	NOUN
ajbmeb-1250	22	14	were	be	AUX
ajbmeb-1250	22	15	ineffective	ineffective	ADJ
ajbmeb-1250	22	16	supervision	supervision	NOUN
ajbmeb-1250	22	17	,	,	PUNCT
ajbmeb-1250	22	18	mismanagement	mismanagement	NOUN
ajbmeb-1250	22	19	and	and	CCONJ
ajbmeb-1250	22	20	political	political	ADJ
ajbmeb-1250	22	21	interference	interference	NOUN
ajbmeb-1250	22	22	with	with	ADP
ajbmeb-1250	22	23	credit	credit	NOUN
ajbmeb-1250	22	24	decisions	decision	NOUN
ajbmeb-1250	22	25	.	.	PUNCT
ajbmeb-1250	23	1	to	to	ADP
ajbmeb-1250	23	2	date	date	NOUN
ajbmeb-1250	23	3	,	,	PUNCT
ajbmeb-1250	23	4	through	through	ADP
ajbmeb-1250	23	5	different	different	ADJ
ajbmeb-1250	23	6	reforms	reform	NOUN
ajbmeb-1250	23	7	have	have	AUX
ajbmeb-1250	23	8	been	be	AUX
ajbmeb-1250	23	9	made	make	VERB
ajbmeb-1250	23	10	by	by	ADP
ajbmeb-1250	23	11	the	the	DET
ajbmeb-1250	23	12	government	government	NOUN
ajbmeb-1250	23	13	,	,	PUNCT
ajbmeb-1250	23	14	the	the	DET
ajbmeb-1250	23	15	banking	banking	NOUN
ajbmeb-1250	23	16	sector	sector	NOUN
ajbmeb-1250	23	17	,	,	PUNCT
ajbmeb-1250	23	18	yet	yet	ADV
ajbmeb-1250	23	19	is	be	AUX
ajbmeb-1250	23	20	not	not	PART
ajbmeb-1250	23	21	competitive	competitive	ADJ
ajbmeb-1250	23	22	and	and	CCONJ
ajbmeb-1250	23	23	efficient	efficient	ADJ
ajbmeb-1250	23	24	,	,	PUNCT
ajbmeb-1250	23	25	nor	nor	CCONJ
ajbmeb-1250	23	26	is	be	AUX
ajbmeb-1250	23	27	it	it	PRON
ajbmeb-1250	23	28	capable	capable	ADJ
ajbmeb-1250	23	29	of	of	ADP
ajbmeb-1250	23	30	accelerating	accelerate	VERB
ajbmeb-1250	23	31	the	the	DET
ajbmeb-1250	23	32	economic	economic	ADJ
ajbmeb-1250	23	33	growth	growth	NOUN
ajbmeb-1250	23	34	of	of	ADP
ajbmeb-1250	23	35	the	the	DET
ajbmeb-1250	23	36	country	country	NOUN
ajbmeb-1250	23	37	which	which	PRON
ajbmeb-1250	23	38	remains	remain	VERB
ajbmeb-1250	23	39	marginal	marginal	ADJ
ajbmeb-1250	23	40	.	.	PUNCT
ajbmeb-1250	24	1	in	in	ADP
ajbmeb-1250	24	2	the	the	DET
ajbmeb-1250	24	3	nigerian	nigerian	ADJ
ajbmeb-1250	24	4	banking	banking	NOUN
ajbmeb-1250	24	5	sector	sector	NOUN
ajbmeb-1250	24	6	,	,	PUNCT
ajbmeb-1250	24	7	loans	loan	NOUN
ajbmeb-1250	24	8	are	be	AUX
ajbmeb-1250	24	9	not	not	PART
ajbmeb-1250	24	10	priced	price	VERB
ajbmeb-1250	24	11	competitively	competitively	ADV
ajbmeb-1250	24	12	by	by	ADP
ajbmeb-1250	24	13	taking	take	VERB
ajbmeb-1250	24	14	into	into	ADP
ajbmeb-1250	24	15	consideration	consideration	NOUN
ajbmeb-1250	24	16	the	the	DET
ajbmeb-1250	24	17	risk	risk	NOUN
ajbmeb-1250	24	18	of	of	ADP
ajbmeb-1250	24	19	the	the	DET
ajbmeb-1250	24	20	borrower	borrower	NOUN
ajbmeb-1250	24	21	and	and	CCONJ
ajbmeb-1250	24	22	the	the	DET
ajbmeb-1250	24	23	return	return	NOUN
ajbmeb-1250	24	24	of	of	ADP
ajbmeb-1250	24	25	the	the	DET
ajbmeb-1250	24	26	loan	loan	NOUN
ajbmeb-1250	24	27	to	to	ADP
ajbmeb-1250	24	28	the	the	DET
ajbmeb-1250	24	29	lending	lending	NOUN
ajbmeb-1250	24	30	bank	bank	NOUN
ajbmeb-1250	24	31	.	.	PUNCT
ajbmeb-1250	25	1	this	this	DET
ajbmeb-1250	25	2	practice	practice	NOUN
ajbmeb-1250	25	3	inevitably	inevitably	ADV
ajbmeb-1250	25	4	denies	deny	VERB
ajbmeb-1250	25	5	capital	capital	NOUN
ajbmeb-1250	25	6	to	to	ADP
ajbmeb-1250	25	7	efficiency	efficiency	NOUN
ajbmeb-1250	25	8	firms	firm	NOUN
ajbmeb-1250	25	9	and	and	CCONJ
ajbmeb-1250	25	10	contributes	contribute	VERB
ajbmeb-1250	25	11	to	to	ADP
ajbmeb-1250	25	12	the	the	DET
ajbmeb-1250	25	13	build	build	NOUN
ajbmeb-1250	25	14	-	-	PUNCT
ajbmeb-1250	25	15	up	up	NOUN
ajbmeb-1250	25	16	of	of	ADP
ajbmeb-1250	25	17	non	non	ADJ
ajbmeb-1250	25	18	-	-	ADJ
ajbmeb-1250	25	19	performing	performing	ADJ
ajbmeb-1250	25	20	loans	loan	NOUN
ajbmeb-1250	25	21	in	in	ADP
ajbmeb-1250	25	22	the	the	DET
ajbmeb-1250	25	23	state	state	NOUN
ajbmeb-1250	25	24	/	/	SYM
ajbmeb-1250	25	25	individual	individual	ADJ
ajbmeb-1250	25	26	owned	own	VERB
ajbmeb-1250	25	27	banks	bank	NOUN
ajbmeb-1250	25	28	portfolio	portfolio	NOUN
ajbmeb-1250	25	29	(	(	PUNCT
ajbmeb-1250	25	30	admassu	admassu	PROPN
ajbmeb-1250	25	31	&	&	CCONJ
ajbmeb-1250	25	32	asayehgn	asayehgn	PROPN
ajbmeb-1250	25	33	,	,	PUNCT
ajbmeb-1250	25	34	2014	2014	NUM
ajbmeb-1250	25	35	;	;	PUNCT
ajbmeb-1250	25	36	nwaiwu	nwaiwu	NOUN
ajbmeb-1250	25	37	,	,	PUNCT
ajbmeb-1250	25	38	2019	2019	NUM
ajbmeb-1250	25	39	)	)	PUNCT
ajbmeb-1250	25	40	.	.	PUNCT
ajbmeb-1250	26	1	nada	nada	PROPN
ajbmeb-1250	26	2	(	(	PUNCT
ajbmeb-1250	26	3	2012	2012	NUM
ajbmeb-1250	26	4	)	)	PUNCT
ajbmeb-1250	26	5	cited	cite	VERB
ajbmeb-1250	26	6	in	in	ADP
ajbmeb-1250	26	7	muhabie	muhabie	NOUN
ajbmeb-1250	26	8	(	(	PUNCT
ajbmeb-1250	26	9	2015	2015	NUM
ajbmeb-1250	26	10	)	)	PUNCT
ajbmeb-1250	26	11	,	,	PUNCT
ajbmeb-1250	26	12	the	the	DET
ajbmeb-1250	26	13	banking	banking	NOUN
ajbmeb-1250	26	14	sector	sector	NOUN
ajbmeb-1250	26	15	is	be	AUX
ajbmeb-1250	26	16	affected	affect	VERB
ajbmeb-1250	26	17	by	by	ADP
ajbmeb-1250	26	18	the	the	DET
ajbmeb-1250	26	19	global	global	ADJ
ajbmeb-1250	26	20	financial	financial	ADJ
ajbmeb-1250	26	21	crisis	crisis	NOUN
ajbmeb-1250	26	22	.	.	PUNCT
ajbmeb-1250	27	1	he	he	PRON
ajbmeb-1250	27	2	argued	argue	VERB
ajbmeb-1250	27	3	that	that	SCONJ
ajbmeb-1250	27	4	this	this	DET
ajbmeb-1250	27	5	crisis	crisis	NOUN
ajbmeb-1250	27	6	produces	produce	VERB
ajbmeb-1250	27	7	many	many	ADJ
ajbmeb-1250	27	8	adverse	adverse	ADJ
ajbmeb-1250	27	9	effects	effect	NOUN
ajbmeb-1250	27	10	towards	towards	ADP
ajbmeb-1250	27	11	banks	bank	NOUN
ajbmeb-1250	27	12	.	.	PUNCT
ajbmeb-1250	28	1	some	some	PRON
ajbmeb-1250	28	2	to	to	PART
ajbmeb-1250	28	3	mention	mention	VERB
ajbmeb-1250	28	4	,	,	PUNCT
ajbmeb-1250	28	5	stagnation	stagnation	NOUN
ajbmeb-1250	28	6	of	of	ADP
ajbmeb-1250	28	7	the	the	DET
ajbmeb-1250	28	8	sector	sector	NOUN
ajbmeb-1250	28	9	,	,	PUNCT
ajbmeb-1250	28	10	decline	decline	VERB
ajbmeb-1250	28	11	in	in	ADP
ajbmeb-1250	28	12	profitability	profitability	NOUN
ajbmeb-1250	28	13	,	,	PUNCT
ajbmeb-1250	28	14	increased	increase	VERB
ajbmeb-1250	28	15	of	of	ADP
ajbmeb-1250	28	16	the	the	DET
ajbmeb-1250	28	17	non	non	ADJ
ajbmeb-1250	28	18	-	-	ADJ
ajbmeb-1250	28	19	performing	perform	VERB
ajbmeb-1250	28	20	assets	asset	NOUN
ajbmeb-1250	28	21	and	and	CCONJ
ajbmeb-1250	28	22	loans	loan	NOUN
ajbmeb-1250	28	23	,	,	PUNCT
ajbmeb-1250	28	24	past	past	ADP
ajbmeb-1250	28	25	due	due	ADJ
ajbmeb-1250	28	26	receivables	receivables	NOUN
ajbmeb-1250	28	27	,	,	PUNCT
ajbmeb-1250	28	28	loan	loan	NOUN
ajbmeb-1250	28	29	loss	loss	NOUN
ajbmeb-1250	28	30	provision	provision	NOUN
ajbmeb-1250	28	31	and	and	CCONJ
ajbmeb-1250	28	32	deterioration	deterioration	NOUN
ajbmeb-1250	28	33	of	of	ADP
ajbmeb-1250	28	34	other	other	ADJ
ajbmeb-1250	28	35	key	key	ADJ
ajbmeb-1250	28	36	indicators	indicator	NOUN
ajbmeb-1250	28	37	of	of	ADP
ajbmeb-1250	28	38	banks	bank	NOUN
ajbmeb-1250	28	39	’	'	PUNCT
ajbmeb-1250	28	40	performance	performance	NOUN
ajbmeb-1250	28	41	.	.	PUNCT
ajbmeb-1250	29	1	furthermore	furthermore	ADV
ajbmeb-1250	29	2	,	,	PUNCT
ajbmeb-1250	29	3	the	the	DET
ajbmeb-1250	29	4	financial	financial	ADJ
ajbmeb-1250	29	5	performance	performance	NOUN
ajbmeb-1250	29	6	analyses	analysis	NOUN
ajbmeb-1250	29	7	were	be	AUX
ajbmeb-1250	29	8	made	make	VERB
ajbmeb-1250	29	9	by	by	ADP
ajbmeb-1250	29	10	different	different	ADJ
ajbmeb-1250	29	11	previous	previous	ADJ
ajbmeb-1250	29	12	researchers	researcher	NOUN
ajbmeb-1250	29	13	on	on	ADP
ajbmeb-1250	29	14	long	long	ADJ
ajbmeb-1250	29	15	aged	aged	ADJ
ajbmeb-1250	29	16	banks	bank	NOUN
ajbmeb-1250	29	17	by	by	ADP
ajbmeb-1250	29	18	giving	give	VERB
ajbmeb-1250	29	19	less	less	ADJ
ajbmeb-1250	29	20	attention	attention	NOUN
ajbmeb-1250	29	21	for	for	ADP
ajbmeb-1250	29	22	the	the	DET
ajbmeb-1250	29	23	banks	bank	NOUN
ajbmeb-1250	29	24	that	that	PRON
ajbmeb-1250	29	25	were	be	AUX
ajbmeb-1250	29	26	emerged	emerge	VERB
ajbmeb-1250	29	27	latter	latter	ADJ
ajbmeb-1250	29	28	periods	period	NOUN
ajbmeb-1250	29	29	.	.	PUNCT
ajbmeb-1250	30	1	a	a	DET
ajbmeb-1250	30	2	number	number	NOUN
ajbmeb-1250	30	3	of	of	ADP
ajbmeb-1250	30	4	empirical	empirical	ADJ
ajbmeb-1250	30	5	studies	study	NOUN
ajbmeb-1250	30	6	have	have	AUX
ajbmeb-1250	30	7	consequently	consequently	ADV
ajbmeb-1250	30	8	looked	look	VERB
ajbmeb-1250	30	9	at	at	ADP
ajbmeb-1250	30	10	the	the	DET
ajbmeb-1250	30	11	relationship	relationship	NOUN
ajbmeb-1250	30	12	between	between	ADP
ajbmeb-1250	30	13	asset	asset	NOUN
ajbmeb-1250	30	14	quality	quality	NOUN
ajbmeb-1250	30	15	and	and	CCONJ
ajbmeb-1250	30	16	financial	financial	ADJ
ajbmeb-1250	30	17	performance	performance	NOUN
ajbmeb-1250	30	18	.	.	PUNCT
ajbmeb-1250	31	1	empirical	empirical	ADJ
ajbmeb-1250	31	2	studies	study	NOUN
ajbmeb-1250	31	3	in	in	ADP
ajbmeb-1250	31	4	this	this	DET
ajbmeb-1250	31	5	area	area	NOUN
ajbmeb-1250	31	6	include	include	VERB
ajbmeb-1250	31	7	the	the	DET
ajbmeb-1250	31	8	works	work	NOUN
ajbmeb-1250	31	9	of	of	ADP
ajbmeb-1250	31	10	bassey	bassey	NOUN
ajbmeb-1250	31	11	and	and	CCONJ
ajbmeb-1250	31	12	moses	moses	PROPN
ajbmeb-1250	31	13	(	(	PUNCT
ajbmeb-1250	31	14	2015	2015	NUM
ajbmeb-1250	31	15	)	)	PUNCT
ajbmeb-1250	31	16	;	;	PUNCT
ajbmeb-1250	31	17	paulimo	paulimo	NOUN
ajbmeb-1250	31	18	and	and	CCONJ
ajbmeb-1250	31	19	mwamba	mwamba	NOUN
ajbmeb-1250	31	20	(	(	PUNCT
ajbmeb-1250	31	21	2018	2018	NUM
ajbmeb-1250	31	22	)	)	PUNCT
ajbmeb-1250	31	23	,	,	PUNCT
ajbmeb-1250	31	24	nwaiwu	nwaiwu	NOUN
ajbmeb-1250	31	25	and	and	CCONJ
ajbmeb-1250	31	26	joseph	joseph	PROPN
ajbmeb-1250	31	27	(	(	PUNCT
ajbmeb-1250	31	28	2021	2021	NUM
ajbmeb-1250	31	29	)	)	PUNCT
ajbmeb-1250	31	30	.	.	PUNCT
ajbmeb-1250	32	1	these	these	DET
ajbmeb-1250	32	2	empirical	empirical	ADJ
ajbmeb-1250	32	3	studies	study	NOUN
ajbmeb-1250	32	4	argue	argue	VERB
ajbmeb-1250	32	5	that	that	SCONJ
ajbmeb-1250	32	6	there	there	PRON
ajbmeb-1250	32	7	is	be	VERB
ajbmeb-1250	32	8	a	a	DET
ajbmeb-1250	32	9	positive	positive	ADJ
ajbmeb-1250	32	10	relationship	relationship	NOUN
ajbmeb-1250	32	11	between	between	ADP
ajbmeb-1250	32	12	asset	asset	NOUN
ajbmeb-1250	32	13	quality	quality	NOUN
ajbmeb-1250	32	14	and	and	CCONJ
ajbmeb-1250	32	15	financial	financial	ADJ
ajbmeb-1250	32	16	performance	performance	NOUN
ajbmeb-1250	32	17	.	.	PUNCT
ajbmeb-1250	33	1	on	on	ADP
ajbmeb-1250	33	2	the	the	DET
ajbmeb-1250	33	3	other	other	ADJ
ajbmeb-1250	33	4	hand	hand	NOUN
ajbmeb-1250	33	5	,	,	PUNCT
ajbmeb-1250	33	6	the	the	DET
ajbmeb-1250	33	7	findings	finding	NOUN
ajbmeb-1250	33	8	edem(2017	edem(2017	PRON
ajbmeb-1250	33	9	)	)	PUNCT
ajbmeb-1250	33	10	,	,	PUNCT
ajbmeb-1250	33	11	paulimo	paulimo	NOUN
ajbmeb-1250	33	12	and	and	CCONJ
ajbmeb-1250	33	13	musanba	musanba	PROPN
ajbmeb-1250	33	14	(	(	PUNCT
ajbmeb-1250	33	15	2018	2018	NUM
ajbmeb-1250	33	16	)	)	PUNCT
ajbmeb-1250	33	17	contract	contract	NOUN
ajbmeb-1250	33	18	most	most	ADJ
ajbmeb-1250	33	19	of	of	ADP
ajbmeb-1250	33	20	the	the	DET
ajbmeb-1250	33	21	earlier	early	ADJ
ajbmeb-1250	33	22	evidence	evidence	NOUN
ajbmeb-1250	33	23	on	on	ADP
ajbmeb-1250	33	24	the	the	DET
ajbmeb-1250	33	25	impact	impact	NOUN
ajbmeb-1250	33	26	of	of	ADP
ajbmeb-1250	33	27	asset	asset	NOUN
ajbmeb-1250	33	28	quality	quality	NOUN
ajbmeb-1250	33	29	on	on	ADP
ajbmeb-1250	33	30	financial	financial	ADJ
ajbmeb-1250	33	31	performance	performance	NOUN
ajbmeb-1250	33	32	.	.	PUNCT
ajbmeb-1250	34	1	however	however	ADV
ajbmeb-1250	34	2	,	,	PUNCT
ajbmeb-1250	34	3	not	not	PART
ajbmeb-1250	34	4	only	only	ADV
ajbmeb-1250	34	5	did	do	AUX
ajbmeb-1250	34	6	these	these	DET
ajbmeb-1250	34	7	studies	study	NOUN
ajbmeb-1250	34	8	yield	yield	VERB
ajbmeb-1250	34	9	conflicting	conflicting	ADJ
ajbmeb-1250	34	10	results	result	NOUN
ajbmeb-1250	34	11	and	and	CCONJ
ajbmeb-1250	34	12	conclusions	conclusion	NOUN
ajbmeb-1250	34	13	,	,	PUNCT
ajbmeb-1250	34	14	perhaps	perhaps	ADV
ajbmeb-1250	34	15	due	due	ADP
ajbmeb-1250	34	16	to	to	ADP
ajbmeb-1250	34	17	the	the	DET
ajbmeb-1250	34	18	methodologies	methodology	NOUN
ajbmeb-1250	34	19	adopted	adopt	VERB
ajbmeb-1250	34	20	in	in	ADP
ajbmeb-1250	34	21	analyzing	analyze	VERB
ajbmeb-1250	34	22	their	their	PRON
ajbmeb-1250	34	23	research	research	NOUN
ajbmeb-1250	34	24	data	datum	NOUN
ajbmeb-1250	34	25	,	,	PUNCT
ajbmeb-1250	34	26	but	but	CCONJ
ajbmeb-1250	34	27	more	more	ADV
ajbmeb-1250	34	28	importantly	importantly	ADV
ajbmeb-1250	34	29	,	,	PUNCT
ajbmeb-1250	34	30	the	the	DET
ajbmeb-1250	34	31	time	time	NOUN
ajbmeb-1250	34	32	frame	frame	NOUN
ajbmeb-1250	34	33	considered	consider	VERB
ajbmeb-1250	34	34	in	in	ADP
ajbmeb-1250	34	35	many	many	ADJ
ajbmeb-1250	34	36	of	of	ADP
ajbmeb-1250	34	37	them	they	PRON
ajbmeb-1250	34	38	was	be	AUX
ajbmeb-1250	34	39	rather	rather	ADV
ajbmeb-1250	34	40	short	short	ADJ
ajbmeb-1250	34	41	.	.	PUNCT
ajbmeb-1250	35	1	above	above	ADP
ajbmeb-1250	35	2	all	all	PRON
ajbmeb-1250	35	3	,	,	PUNCT
ajbmeb-1250	35	4	the	the	DET
ajbmeb-1250	35	5	contexts	contexts	NOUN
ajbmeb-1250	35	6	of	of	ADP
ajbmeb-1250	35	7	these	these	DET
ajbmeb-1250	35	8	empirical	empirical	ADJ
ajbmeb-1250	35	9	studies	study	NOUN
ajbmeb-1250	35	10	were	be	AUX
ajbmeb-1250	35	11	different	different	ADJ
ajbmeb-1250	35	12	from	from	ADP
ajbmeb-1250	35	13	nigeria	nigeria	PROPN
ajbmeb-1250	35	14	.	.	PUNCT
ajbmeb-1250	36	1	these	these	DET
ajbmeb-1250	36	2	observed	observe	VERB
ajbmeb-1250	36	3	limitations	limitation	NOUN
ajbmeb-1250	36	4	have	have	AUX
ajbmeb-1250	36	5	left	leave	VERB
ajbmeb-1250	36	6	a	a	DET
ajbmeb-1250	36	7	trial	trial	NOUN
ajbmeb-1250	36	8	on	on	ADP
ajbmeb-1250	36	9	knowledge	knowledge	NOUN
ajbmeb-1250	36	10	gap	gap	NOUN
ajbmeb-1250	36	11	in	in	ADP
ajbmeb-1250	36	12	the	the	DET
ajbmeb-1250	36	13	literature	literature	NOUN
ajbmeb-1250	36	14	,	,	PUNCT
ajbmeb-1250	36	15	thus	thus	ADV
ajbmeb-1250	36	16	warranting	warrant	VERB
ajbmeb-1250	36	17	the	the	DET
ajbmeb-1250	36	18	need	need	NOUN
ajbmeb-1250	36	19	for	for	ADP
ajbmeb-1250	36	20	a	a	DET
ajbmeb-1250	36	21	more	more	ADV
ajbmeb-1250	36	22	systematic	systematic	ADJ
ajbmeb-1250	36	23	examination	examination	NOUN
ajbmeb-1250	36	24	of	of	ADP
ajbmeb-1250	36	25	the	the	DET
ajbmeb-1250	36	26	relationship	relationship	NOUN
ajbmeb-1250	36	27	between	between	ADP
ajbmeb-1250	36	28	asset	asset	NOUN
ajbmeb-1250	36	29	quality	quality	NOUN
ajbmeb-1250	36	30	and	and	CCONJ
ajbmeb-1250	36	31	financial	financial	ADJ
ajbmeb-1250	36	32	performance	performance	NOUN
ajbmeb-1250	36	33	from	from	ADP
ajbmeb-1250	36	34	the	the	DET
ajbmeb-1250	36	35	standpoint	standpoint	NOUN
ajbmeb-1250	36	36	of	of	ADP
ajbmeb-1250	36	37	nigeria	nigeria	PROPN
ajbmeb-1250	36	38	.	.	PUNCT
ajbmeb-1250	37	1	this	this	PRON
ajbmeb-1250	37	2	underscores	underscore	VERB
ajbmeb-1250	37	3	the	the	DET
ajbmeb-1250	37	4	need	need	NOUN
ajbmeb-1250	37	5	for	for	ADP
ajbmeb-1250	37	6	these	these	DET
ajbmeb-1250	37	7	empirical	empirical	ADJ
ajbmeb-1250	37	8	studies	study	NOUN
ajbmeb-1250	37	9	.	.	PUNCT
ajbmeb-1250	38	1	the	the	DET
ajbmeb-1250	38	2	remainder	remainder	NOUN
ajbmeb-1250	38	3	of	of	ADP
ajbmeb-1250	38	4	this	this	DET
ajbmeb-1250	38	5	paper	paper	NOUN
ajbmeb-1250	38	6	is	be	AUX
ajbmeb-1250	38	7	organized	organize	VERB
ajbmeb-1250	38	8	as	as	SCONJ
ajbmeb-1250	38	9	follows	follow	VERB
ajbmeb-1250	38	10	.	.	PUNCT
ajbmeb-1250	39	1	section	section	NOUN
ajbmeb-1250	39	2	2	2	NUM
ajbmeb-1250	39	3	provides	provide	VERB
ajbmeb-1250	39	4	a	a	DET
ajbmeb-1250	39	5	review	review	NOUN
ajbmeb-1250	39	6	of	of	ADP
ajbmeb-1250	39	7	the	the	DET
ajbmeb-1250	39	8	related	relate	VERB
ajbmeb-1250	39	9	literature	literature	NOUN
ajbmeb-1250	39	10	,	,	PUNCT
ajbmeb-1250	39	11	research	research	NOUN
ajbmeb-1250	39	12	question	question	NOUN
ajbmeb-1250	39	13	and	and	CCONJ
ajbmeb-1250	39	14	hypothesis	hypothesis	NOUN
ajbmeb-1250	39	15	.	.	PUNCT
ajbmeb-1250	40	1	section	section	NOUN
ajbmeb-1250	40	2	3	3	NUM
ajbmeb-1250	40	3	discusses	discuss	VERB
ajbmeb-1250	40	4	the	the	DET
ajbmeb-1250	40	5	research	research	NOUN
ajbmeb-1250	40	6	methodology	methodology	NOUN
ajbmeb-1250	40	7	,	,	PUNCT
ajbmeb-1250	40	8	section	section	NOUN
ajbmeb-1250	40	9	4	4	NUM
ajbmeb-1250	40	10	presents	present	VERB
ajbmeb-1250	40	11	the	the	DET
ajbmeb-1250	40	12	american	american	ADJ
ajbmeb-1250	40	13	journal	journal	PROPN
ajbmeb-1250	40	14	of	of	ADP
ajbmeb-1250	40	15	business	business	NOUN
ajbmeb-1250	40	16	management	management	NOUN
ajbmeb-1250	40	17	,	,	PUNCT
ajbmeb-1250	40	18	economics	economic	NOUN
ajbmeb-1250	40	19	and	and	CCONJ
ajbmeb-1250	40	20	banking	banking	NOUN
ajbmeb-1250	40	21	volume	volume	NOUN
ajbmeb-1250	40	22	16	16	NUM
ajbmeb-1250	40	23	sep	sep	PROPN
ajbmeb-1250	40	24	,	,	PUNCT
ajbmeb-1250	40	25	2023	2023	NUM
ajbmeb-1250	40	26	p	p	NOUN
ajbmeb-1250	40	27	a	a	DET
ajbmeb-1250	40	28	g	g	NOUN
ajbmeb-1250	40	29	e	e	NOUN
ajbmeb-1250	40	30	|	|	ADV
ajbmeb-1250	40	31	214	214	NUM
ajbmeb-1250	40	32	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	40	33	results	result	NOUN
ajbmeb-1250	40	34	and	and	CCONJ
ajbmeb-1250	40	35	discussion	discussion	NOUN
ajbmeb-1250	40	36	,	,	PUNCT
ajbmeb-1250	40	37	section	section	NOUN
ajbmeb-1250	40	38	5	5	NUM
ajbmeb-1250	40	39	wraps	wrap	NOUN
ajbmeb-1250	40	40	up	up	ADP
ajbmeb-1250	40	41	the	the	DET
ajbmeb-1250	40	42	paper	paper	NOUN
ajbmeb-1250	40	43	with	with	ADP
ajbmeb-1250	40	44	conclusion	conclusion	NOUN
ajbmeb-1250	40	45	and	and	CCONJ
ajbmeb-1250	40	46	recommendation	recommendation	NOUN
ajbmeb-1250	40	47	,	,	PUNCT
ajbmeb-1250	40	48	limitation	limitation	NOUN
ajbmeb-1250	40	49	and	and	CCONJ
ajbmeb-1250	40	50	suggestion	suggestion	NOUN
ajbmeb-1250	40	51	for	for	ADP
ajbmeb-1250	40	52	further	further	ADJ
ajbmeb-1250	40	53	study	study	NOUN
ajbmeb-1250	40	54	.	.	PUNCT
ajbmeb-1250	41	1	theoretical	theoretical	ADJ
ajbmeb-1250	41	2	framework	framework	NOUN
ajbmeb-1250	41	3	the	the	DET
ajbmeb-1250	41	4	theoretical	theoretical	ADJ
ajbmeb-1250	41	5	framework	framework	NOUN
ajbmeb-1250	41	6	is	be	AUX
ajbmeb-1250	41	7	generally	generally	ADV
ajbmeb-1250	41	8	seen	see	VERB
ajbmeb-1250	41	9	as	as	ADP
ajbmeb-1250	41	10	bedrock	bedrock	NOUN
ajbmeb-1250	41	11	on	on	ADP
ajbmeb-1250	41	12	which	which	DET
ajbmeb-1250	41	13	knowledge	knowledge	NOUN
ajbmeb-1250	41	14	is	be	AUX
ajbmeb-1250	41	15	constructed	construct	VERB
ajbmeb-1250	41	16	for	for	ADP
ajbmeb-1250	41	17	research	research	NOUN
ajbmeb-1250	41	18	work	work	NOUN
ajbmeb-1250	41	19	.	.	PUNCT
ajbmeb-1250	42	1	it	it	PRON
ajbmeb-1250	42	2	provides	provide	VERB
ajbmeb-1250	42	3	a	a	DET
ajbmeb-1250	42	4	platform	platform	NOUN
ajbmeb-1250	42	5	for	for	ADP
ajbmeb-1250	42	6	understanding	understanding	NOUN
ajbmeb-1250	42	7	and	and	CCONJ
ajbmeb-1250	42	8	guiding	guide	VERB
ajbmeb-1250	42	9	the	the	DET
ajbmeb-1250	42	10	discussions	discussion	NOUN
ajbmeb-1250	42	11	that	that	PRON
ajbmeb-1250	42	12	underlie	underlie	VERB
ajbmeb-1250	42	13	the	the	DET
ajbmeb-1250	42	14	study	study	NOUN
ajbmeb-1250	42	15	.	.	PUNCT
ajbmeb-1250	43	1	in	in	ADP
ajbmeb-1250	43	2	this	this	DET
ajbmeb-1250	43	3	study	study	NOUN
ajbmeb-1250	43	4	,	,	PUNCT
ajbmeb-1250	43	5	the	the	DET
ajbmeb-1250	43	6	following	follow	VERB
ajbmeb-1250	43	7	theories	theory	NOUN
ajbmeb-1250	43	8	formed	form	VERB
ajbmeb-1250	43	9	a	a	DET
ajbmeb-1250	43	10	platform	platform	NOUN
ajbmeb-1250	43	11	on	on	ADP
ajbmeb-1250	43	12	which	which	PRON
ajbmeb-1250	43	13	the	the	DET
ajbmeb-1250	43	14	empirical	empirical	ADJ
ajbmeb-1250	43	15	study	study	NOUN
ajbmeb-1250	43	16	is	be	AUX
ajbmeb-1250	43	17	placed	place	VERB
ajbmeb-1250	43	18	.	.	PUNCT
ajbmeb-1250	44	1	liability	liability	NOUN
ajbmeb-1250	44	2	management	management	NOUN
ajbmeb-1250	44	3	theory	theory	NOUN
ajbmeb-1250	44	4	this	this	DET
ajbmeb-1250	44	5	liquidity	liquidity	NOUN
ajbmeb-1250	44	6	theory	theory	NOUN
ajbmeb-1250	44	7	holds	hold	VERB
ajbmeb-1250	44	8	that	that	SCONJ
ajbmeb-1250	44	9	it	it	PRON
ajbmeb-1250	44	10	is	be	AUX
ajbmeb-1250	44	11	unnecessary	unnecessary	ADJ
ajbmeb-1250	44	12	to	to	PART
ajbmeb-1250	44	13	observe	observe	VERB
ajbmeb-1250	44	14	traditional	traditional	ADJ
ajbmeb-1250	44	15	standards	standard	NOUN
ajbmeb-1250	44	16	since	since	SCONJ
ajbmeb-1250	44	17	reserve	reserve	NOUN
ajbmeb-1250	44	18	money	money	NOUN
ajbmeb-1250	44	19	can	can	AUX
ajbmeb-1250	44	20	be	be	AUX
ajbmeb-1250	44	21	borrowed	borrow	VERB
ajbmeb-1250	44	22	or	or	CCONJ
ajbmeb-1250	44	23	obtained	obtain	VERB
ajbmeb-1250	44	24	in	in	ADP
ajbmeb-1250	44	25	the	the	DET
ajbmeb-1250	44	26	money	money	NOUN
ajbmeb-1250	44	27	market	market	NOUN
ajbmeb-1250	44	28	using	use	VERB
ajbmeb-1250	44	29	short	short	ADJ
ajbmeb-1250	44	30	term	term	NOUN
ajbmeb-1250	44	31	debt	debt	NOUN
ajbmeb-1250	44	32	instruments	instrument	NOUN
ajbmeb-1250	44	33	whenever	whenever	SCONJ
ajbmeb-1250	44	34	a	a	DET
ajbmeb-1250	44	35	bank	bank	NOUN
ajbmeb-1250	44	36	experiences	experience	VERB
ajbmeb-1250	44	37	reserve	reserve	NOUN
ajbmeb-1250	44	38	deficiency	deficiency	NOUN
ajbmeb-1250	44	39	.	.	PUNCT
ajbmeb-1250	45	1	according	accord	VERB
ajbmeb-1250	45	2	to	to	ADP
ajbmeb-1250	45	3	adeyinka(2014	adeyinka(2014	PROPN
ajbmeb-1250	45	4	)	)	PUNCT
ajbmeb-1250	45	5	,	,	PUNCT
ajbmeb-1250	45	6	it	it	PRON
ajbmeb-1250	45	7	does	do	AUX
ajbmeb-1250	45	8	not	not	PART
ajbmeb-1250	45	9	mean	mean	VERB
ajbmeb-1250	45	10	that	that	SCONJ
ajbmeb-1250	45	11	the	the	DET
ajbmeb-1250	45	12	bank	bank	NOUN
ajbmeb-1250	45	13	manages	manage	VERB
ajbmeb-1250	45	14	only	only	ADV
ajbmeb-1250	45	15	its	its	PRON
ajbmeb-1250	45	16	liabilities	liability	NOUN
ajbmeb-1250	45	17	and	and	CCONJ
ajbmeb-1250	45	18	passive	passive	ADJ
ajbmeb-1250	45	19	with	with	ADP
ajbmeb-1250	45	20	respect	respect	NOUN
ajbmeb-1250	45	21	to	to	ADP
ajbmeb-1250	45	22	its	its	PRON
ajbmeb-1250	45	23	assets	asset	NOUN
ajbmeb-1250	45	24	(	(	PUNCT
ajbmeb-1250	45	25	agbada	agbada	PROPN
ajbmeb-1250	45	26	&	&	CCONJ
ajbmeb-1250	45	27	osaji	osaji	NOUN
ajbmeb-1250	45	28	,	,	PUNCT
ajbmeb-1250	45	29	2013	2013	NUM
ajbmeb-1250	45	30	;	;	PUNCT
ajbmeb-1250	45	31	kehinda	kehinda	PROPN
ajbmeb-1250	45	32	,	,	PUNCT
ajbmeb-1250	45	33	2023	2023	NUM
ajbmeb-1250	45	34	)	)	PUNCT
ajbmeb-1250	45	35	.	.	PUNCT
ajbmeb-1250	46	1	rather	rather	ADV
ajbmeb-1250	46	2	,	,	PUNCT
ajbmeb-1250	46	3	the	the	DET
ajbmeb-1250	46	4	theory	theory	NOUN
ajbmeb-1250	46	5	continues	continue	VERB
ajbmeb-1250	46	6	to	to	PART
ajbmeb-1250	46	7	recognize	recognize	VERB
ajbmeb-1250	46	8	that	that	SCONJ
ajbmeb-1250	46	9	the	the	DET
ajbmeb-1250	46	10	asset	asset	NOUN
ajbmeb-1250	46	11	structure	structure	NOUN
ajbmeb-1250	46	12	of	of	ADP
ajbmeb-1250	46	13	the	the	DET
ajbmeb-1250	46	14	bank	bank	NOUN
ajbmeb-1250	46	15	has	have	VERB
ajbmeb-1250	46	16	a	a	DET
ajbmeb-1250	46	17	prominent	prominent	ADJ
ajbmeb-1250	46	18	role	role	NOUN
ajbmeb-1250	46	19	to	to	PART
ajbmeb-1250	46	20	play	play	VERB
ajbmeb-1250	46	21	in	in	ADP
ajbmeb-1250	46	22	proving	prove	VERB
ajbmeb-1250	46	23	the	the	DET
ajbmeb-1250	46	24	bank	bank	NOUN
ajbmeb-1250	46	25	with	with	ADP
ajbmeb-1250	46	26	liquidity	liquidity	NOUN
ajbmeb-1250	46	27	.	.	PUNCT
ajbmeb-1250	47	1	but	but	CCONJ
ajbmeb-1250	47	2	the	the	DET
ajbmeb-1250	47	3	theory	theory	NOUN
ajbmeb-1250	47	4	takes	take	VERB
ajbmeb-1250	47	5	a	a	DET
ajbmeb-1250	47	6	one	one	NUM
ajbmeb-1250	47	7	dimensional	dimensional	ADJ
ajbmeb-1250	47	8	approach	approach	NOUN
ajbmeb-1250	47	9	to	to	ADP
ajbmeb-1250	47	10	liquidity	liquidity	NOUN
ajbmeb-1250	47	11	and	and	CCONJ
ajbmeb-1250	47	12	argues	argue	VERB
ajbmeb-1250	47	13	that	that	SCONJ
ajbmeb-1250	47	14	the	the	DET
ajbmeb-1250	47	15	bank	bank	NOUN
ajbmeb-1250	47	16	can	can	AUX
ajbmeb-1250	47	17	also	also	ADV
ajbmeb-1250	47	18	use	use	VERB
ajbmeb-1250	47	19	its	its	PRON
ajbmeb-1250	47	20	liabilities	liability	NOUN
ajbmeb-1250	47	21	for	for	ADP
ajbmeb-1250	47	22	liquidity	liquidity	NOUN
ajbmeb-1250	47	23	purposes	purpose	NOUN
ajbmeb-1250	47	24	.	.	PUNCT
ajbmeb-1250	48	1	a	a	DET
ajbmeb-1250	48	2	bank	bank	NOUN
ajbmeb-1250	48	3	wants	want	VERB
ajbmeb-1250	48	4	liquidity	liquidity	NOUN
ajbmeb-1250	48	5	for	for	ADP
ajbmeb-1250	48	6	deposit	deposit	NOUN
ajbmeb-1250	48	7	withdrawal	withdrawal	NOUN
ajbmeb-1250	48	8	purpose	purpose	NOUN
ajbmeb-1250	48	9	and	and	CCONJ
ajbmeb-1250	48	10	also	also	ADV
ajbmeb-1250	48	11	to	to	PART
ajbmeb-1250	48	12	meet	meet	VERB
ajbmeb-1250	48	13	the	the	DET
ajbmeb-1250	48	14	reasonable	reasonable	ADJ
ajbmeb-1250	48	15	loan	loan	NOUN
ajbmeb-1250	48	16	requests	request	NOUN
ajbmeb-1250	48	17	to	to	ADP
ajbmeb-1250	48	18	its	its	PRON
ajbmeb-1250	48	19	customers	customer	NOUN
ajbmeb-1250	48	20	.	.	PUNCT
ajbmeb-1250	49	1	not	not	PART
ajbmeb-1250	49	2	only	only	ADV
ajbmeb-1250	49	3	are	be	AUX
ajbmeb-1250	49	4	bank	bank	NOUN
ajbmeb-1250	49	5	loan	loan	NOUN
ajbmeb-1250	49	6	profitable	profitable	ADJ
ajbmeb-1250	49	7	but	but	CCONJ
ajbmeb-1250	49	8	a	a	DET
ajbmeb-1250	49	9	bank	bank	NOUN
ajbmeb-1250	49	10	that	that	PRON
ajbmeb-1250	49	11	wo	will	AUX
ajbmeb-1250	49	12	n’t	not	PART
ajbmeb-1250	49	13	grant	grant	VERB
ajbmeb-1250	49	14	loans	loan	NOUN
ajbmeb-1250	49	15	to	to	ADP
ajbmeb-1250	49	16	its	its	PRON
ajbmeb-1250	49	17	depositors	depositor	NOUN
ajbmeb-1250	49	18	when	when	SCONJ
ajbmeb-1250	49	19	they	they	PRON
ajbmeb-1250	49	20	need	need	VERB
ajbmeb-1250	49	21	funds	fund	NOUN
ajbmeb-1250	49	22	is	be	AUX
ajbmeb-1250	49	23	not	not	PART
ajbmeb-1250	49	24	likely	likely	ADJ
ajbmeb-1250	49	25	to	to	PART
ajbmeb-1250	49	26	keep	keep	VERB
ajbmeb-1250	49	27	those	those	DET
ajbmeb-1250	49	28	depositors	depositor	NOUN
ajbmeb-1250	49	29	for	for	ADP
ajbmeb-1250	49	30	very	very	ADV
ajbmeb-1250	49	31	long	long	ADJ
ajbmeb-1250	49	32	.	.	PUNCT
ajbmeb-1250	50	1	buffer	buffer	NOUN
ajbmeb-1250	50	2	theory	theory	NOUN
ajbmeb-1250	50	3	of	of	ADP
ajbmeb-1250	50	4	capital	capital	NOUN
ajbmeb-1250	50	5	adequacy	adequacy	NOUN
ajbmeb-1250	50	6	buffer	buffer	NOUN
ajbmeb-1250	50	7	theory	theory	NOUN
ajbmeb-1250	50	8	of	of	ADP
ajbmeb-1250	50	9	capital	capital	NOUN
ajbmeb-1250	50	10	adequacy	adequacy	NOUN
ajbmeb-1250	50	11	as	as	SCONJ
ajbmeb-1250	50	12	propounded	propound	VERB
ajbmeb-1250	50	13	by(calem	by(calem	PROPN
ajbmeb-1250	50	14	and	and	CCONJ
ajbmeb-1250	50	15	rob	rob	PROPN
ajbmeb-1250	50	16	,	,	PUNCT
ajbmeb-1250	50	17	1996	1996	NUM
ajbmeb-1250	50	18	)	)	PUNCT
ajbmeb-1250	50	19	theorized	theorize	VERB
ajbmeb-1250	50	20	that	that	SCONJ
ajbmeb-1250	50	21	capital	capital	NOUN
ajbmeb-1250	50	22	adequacy	adequacy	NOUN
ajbmeb-1250	50	23	ratio	ratio	NOUN
ajbmeb-1250	50	24	constrains	constrain	VERB
ajbmeb-1250	50	25	profitability	profitability	NOUN
ajbmeb-1250	50	26	of	of	ADP
ajbmeb-1250	50	27	banks	bank	NOUN
ajbmeb-1250	50	28	and	and	CCONJ
ajbmeb-1250	50	29	that	that	SCONJ
ajbmeb-1250	50	30	regulators	regulator	NOUN
ajbmeb-1250	50	31	make	make	VERB
ajbmeb-1250	50	32	banks	bank	NOUN
ajbmeb-1250	50	33	hold	hold	VERB
ajbmeb-1250	50	34	a	a	DET
ajbmeb-1250	50	35	buffer	buffer	NOUN
ajbmeb-1250	50	36	of	of	ADP
ajbmeb-1250	50	37	excess	excess	ADJ
ajbmeb-1250	50	38	capital	capital	NOUN
ajbmeb-1250	50	39	to	to	PART
ajbmeb-1250	50	40	reduce	reduce	VERB
ajbmeb-1250	50	41	the	the	DET
ajbmeb-1250	50	42	probability	probability	NOUN
ajbmeb-1250	50	43	of	of	ADP
ajbmeb-1250	50	44	failure	failure	NOUN
ajbmeb-1250	50	45	.	.	PUNCT
ajbmeb-1250	51	1	the	the	DET
ajbmeb-1250	51	2	theory	theory	NOUN
ajbmeb-1250	51	3	explained	explain	VERB
ajbmeb-1250	51	4	that	that	SCONJ
ajbmeb-1250	51	5	under	under	ADP
ajbmeb-1250	51	6	the	the	DET
ajbmeb-1250	51	7	legal	legal	ADJ
ajbmeb-1250	51	8	capital	capital	NOUN
ajbmeb-1250	51	9	requirements	requirement	NOUN
ajbmeb-1250	51	10	,	,	PUNCT
ajbmeb-1250	51	11	a	a	DET
ajbmeb-1250	51	12	bank	bank	NOUN
ajbmeb-1250	51	13	approaching	approach	VERB
ajbmeb-1250	51	14	regulatory	regulatory	ADJ
ajbmeb-1250	51	15	minimum	minimum	ADJ
ajbmeb-1250	51	16	capital	capital	NOUN
ajbmeb-1250	51	17	ratio	ratio	NOUN
ajbmeb-1250	51	18	might	might	AUX
ajbmeb-1250	51	19	have	have	VERB
ajbmeb-1250	51	20	incentive	incentive	NOUN
ajbmeb-1250	51	21	to	to	PART
ajbmeb-1250	51	22	boost	boost	VERB
ajbmeb-1250	51	23	capital	capital	NOUN
ajbmeb-1250	51	24	and	and	CCONJ
ajbmeb-1250	51	25	reduce	reduce	VERB
ajbmeb-1250	51	26	risk	risk	NOUN
ajbmeb-1250	51	27	in	in	ADP
ajbmeb-1250	51	28	order	order	NOUN
ajbmeb-1250	51	29	to	to	PART
ajbmeb-1250	51	30	avoid	avoid	VERB
ajbmeb-1250	51	31	the	the	DET
ajbmeb-1250	51	32	regulatory	regulatory	ADJ
ajbmeb-1250	51	33	costs	cost	NOUN
ajbmeb-1250	51	34	triggered	trigger	VERB
ajbmeb-1250	51	35	by	by	ADP
ajbmeb-1250	51	36	a	a	DET
ajbmeb-1250	51	37	breach	breach	NOUN
ajbmeb-1250	51	38	of	of	ADP
ajbmeb-1250	51	39	the	the	DET
ajbmeb-1250	51	40	capital	capital	NOUN
ajbmeb-1250	51	41	requirements	requirement	NOUN
ajbmeb-1250	51	42	.	.	PUNCT
ajbmeb-1250	52	1	the	the	DET
ajbmeb-1250	52	2	theory	theory	NOUN
ajbmeb-1250	52	3	expounded	expound	VERB
ajbmeb-1250	52	4	that	that	SCONJ
ajbmeb-1250	52	5	banks	bank	NOUN
ajbmeb-1250	52	6	may	may	AUX
ajbmeb-1250	52	7	prefer	prefer	VERB
ajbmeb-1250	52	8	to	to	PART
ajbmeb-1250	52	9	hold	hold	VERB
ajbmeb-1250	52	10	a	a	DET
ajbmeb-1250	52	11	„	„	PUNCT
ajbmeb-1250	52	12	buffer	buffer	NOUN
ajbmeb-1250	52	13	of	of	ADP
ajbmeb-1250	52	14	excess	excess	ADJ
ajbmeb-1250	52	15	capital	capital	NOUN
ajbmeb-1250	52	16	to	to	PART
ajbmeb-1250	52	17	reduce	reduce	VERB
ajbmeb-1250	52	18	the	the	DET
ajbmeb-1250	52	19	probability	probability	NOUN
ajbmeb-1250	52	20	of	of	ADP
ajbmeb-1250	52	21	falling	fall	VERB
ajbmeb-1250	52	22	under	under	ADP
ajbmeb-1250	52	23	the	the	DET
ajbmeb-1250	52	24	legal	legal	ADJ
ajbmeb-1250	52	25	capital	capital	NOUN
ajbmeb-1250	52	26	requirements	requirement	NOUN
ajbmeb-1250	52	27	,	,	PUNCT
ajbmeb-1250	52	28	especially	especially	ADV
ajbmeb-1250	52	29	if	if	SCONJ
ajbmeb-1250	52	30	banks	bank	NOUN
ajbmeb-1250	52	31	capital	capital	NOUN
ajbmeb-1250	52	32	adequacy	adequacy	NOUN
ajbmeb-1250	52	33	ratio	ratio	NOUN
ajbmeb-1250	52	34	is	be	AUX
ajbmeb-1250	52	35	very	very	ADV
ajbmeb-1250	52	36	volatile	volatile	ADJ
ajbmeb-1250	52	37	.	.	PUNCT
ajbmeb-1250	53	1	the	the	DET
ajbmeb-1250	53	2	theory	theory	NOUN
ajbmeb-1250	53	3	posited	posit	VERB
ajbmeb-1250	53	4	that	that	SCONJ
ajbmeb-1250	53	5	poorly	poorly	ADV
ajbmeb-1250	53	6	capitalized	capitalize	VERB
ajbmeb-1250	53	7	banks	bank	NOUN
ajbmeb-1250	53	8	might	might	AUX
ajbmeb-1250	53	9	be	be	AUX
ajbmeb-1250	53	10	tempted	tempt	VERB
ajbmeb-1250	53	11	to	to	PART
ajbmeb-1250	53	12	take	take	VERB
ajbmeb-1250	53	13	more	more	ADJ
ajbmeb-1250	53	14	risk	risk	NOUN
ajbmeb-1250	53	15	in	in	ADP
ajbmeb-1250	53	16	the	the	DET
ajbmeb-1250	53	17	hope	hope	NOUN
ajbmeb-1250	53	18	that	that	SCONJ
ajbmeb-1250	53	19	higher	high	ADJ
ajbmeb-1250	53	20	expected	expect	VERB
ajbmeb-1250	53	21	returns	return	NOUN
ajbmeb-1250	53	22	will	will	AUX
ajbmeb-1250	53	23	help	help	VERB
ajbmeb-1250	53	24	them	they	PRON
ajbmeb-1250	53	25	increase	increase	VERB
ajbmeb-1250	53	26	their	their	PRON
ajbmeb-1250	53	27	capital	capital	NOUN
ajbmeb-1250	53	28	while	while	SCONJ
ajbmeb-1250	53	29	the	the	DET
ajbmeb-1250	53	30	aggressive	aggressive	ADJ
ajbmeb-1250	53	31	banks	bank	NOUN
ajbmeb-1250	53	32	may	may	AUX
ajbmeb-1250	53	33	try	try	VERB
ajbmeb-1250	53	34	to	to	PART
ajbmeb-1250	53	35	extend	extend	VERB
ajbmeb-1250	53	36	the	the	DET
ajbmeb-1250	53	37	frontiers	frontier	NOUN
ajbmeb-1250	53	38	of	of	ADP
ajbmeb-1250	53	39	imprudent	imprudent	ADJ
ajbmeb-1250	53	40	management	management	NOUN
ajbmeb-1250	53	41	policy	policy	NOUN
ajbmeb-1250	53	42	”	"	PUNCT
ajbmeb-1250	53	43	by	by	ADP
ajbmeb-1250	53	44	operating	operate	VERB
ajbmeb-1250	53	45	with	with	ADP
ajbmeb-1250	53	46	less	less	ADJ
ajbmeb-1250	53	47	capital	capital	NOUN
ajbmeb-1250	53	48	base	base	NOUN
ajbmeb-1250	53	49	in	in	ADP
ajbmeb-1250	53	50	violation	violation	NOUN
ajbmeb-1250	53	51	of	of	ADP
ajbmeb-1250	53	52	the	the	DET
ajbmeb-1250	53	53	regulatory	regulatory	ADJ
ajbmeb-1250	53	54	guidelines	guideline	NOUN
ajbmeb-1250	53	55	.	.	PUNCT
ajbmeb-1250	54	1	this	this	DET
ajbmeb-1250	54	2	theory	theory	NOUN
ajbmeb-1250	54	3	is	be	AUX
ajbmeb-1250	54	4	relatively	relatively	ADV
ajbmeb-1250	54	5	relevant	relevant	ADJ
ajbmeb-1250	54	6	to	to	ADP
ajbmeb-1250	54	7	the	the	DET
ajbmeb-1250	54	8	nigerian	nigerian	ADJ
ajbmeb-1250	54	9	banking	banking	NOUN
ajbmeb-1250	54	10	sector	sector	NOUN
ajbmeb-1250	54	11	in	in	ADP
ajbmeb-1250	54	12	which	which	PRON
ajbmeb-1250	54	13	capital	capital	NOUN
ajbmeb-1250	54	14	requirements	requirement	NOUN
ajbmeb-1250	54	15	constitute	constitute	VERB
ajbmeb-1250	54	16	the	the	DET
ajbmeb-1250	54	17	main	main	ADJ
ajbmeb-1250	54	18	banking	banking	NOUN
ajbmeb-1250	54	19	supervisory	supervisory	ADJ
ajbmeb-1250	54	20	instrument	instrument	NOUN
ajbmeb-1250	54	21	.	.	PUNCT
ajbmeb-1250	55	1	and	and	CCONJ
ajbmeb-1250	55	2	where	where	SCONJ
ajbmeb-1250	55	3	the	the	DET
ajbmeb-1250	55	4	central	central	ADJ
ajbmeb-1250	55	5	bank	bank	PROPN
ajbmeb-1250	55	6	of	of	ADP
ajbmeb-1250	55	7	nigeria	nigeria	PROPN
ajbmeb-1250	55	8	usually	usually	ADV
ajbmeb-1250	55	9	conducts	conduct	VERB
ajbmeb-1250	55	10	on	on	ADP
ajbmeb-1250	55	11	-	-	PUNCT
ajbmeb-1250	55	12	site	site	NOUN
ajbmeb-1250	55	13	examination	examination	NOUN
ajbmeb-1250	55	14	or	or	CCONJ
ajbmeb-1250	55	15	at	at	ADP
ajbmeb-1250	55	16	times	time	NOUN
ajbmeb-1250	55	17	delegates	delegate	NOUN
ajbmeb-1250	55	18	this	this	DET
ajbmeb-1250	55	19	task	task	NOUN
ajbmeb-1250	55	20	to	to	ADP
ajbmeb-1250	55	21	external	external	ADJ
ajbmeb-1250	55	22	auditors	auditor	NOUN
ajbmeb-1250	55	23	to	to	PART
ajbmeb-1250	55	24	exert	exert	VERB
ajbmeb-1250	55	25	regulatory	regulatory	ADJ
ajbmeb-1250	55	26	pressure	pressure	NOUN
ajbmeb-1250	55	27	on	on	ADP
ajbmeb-1250	55	28	banks	bank	NOUN
ajbmeb-1250	55	29	to	to	PART
ajbmeb-1250	55	30	achieve	achieve	VERB
ajbmeb-1250	55	31	the	the	DET
ajbmeb-1250	55	32	objective	objective	NOUN
ajbmeb-1250	55	33	of	of	ADP
ajbmeb-1250	55	34	the	the	DET
ajbmeb-1250	55	35	capital	capital	NOUN
ajbmeb-1250	55	36	adequacy	adequacy	NOUN
ajbmeb-1250	55	37	ratio	ratio	NOUN
ajbmeb-1250	55	38	which	which	DET
ajbmeb-1250	55	39	rime	rime	NOUN
ajbmeb-1250	55	40	(	(	PUNCT
ajbmeb-1250	55	41	2001	2001	NUM
ajbmeb-1250	55	42	)	)	PUNCT
ajbmeb-1250	55	43	explained	explain	VERB
ajbmeb-1250	55	44	is	be	AUX
ajbmeb-1250	55	45	to	to	PART
ajbmeb-1250	55	46	force	force	VERB
ajbmeb-1250	55	47	banks	bank	NOUN
ajbmeb-1250	55	48	internalizing	internalize	VERB
ajbmeb-1250	55	49	losses	loss	NOUN
ajbmeb-1250	55	50	and	and	CCONJ
ajbmeb-1250	55	51	decreasing	decrease	VERB
ajbmeb-1250	55	52	moral	moral	ADJ
ajbmeb-1250	55	53	hazard	hazard	NOUN
ajbmeb-1250	55	54	.	.	PUNCT
ajbmeb-1250	56	1	shiftability	shiftability	NOUN
ajbmeb-1250	56	2	theory	theory	NOUN
ajbmeb-1250	56	3	the	the	DET
ajbmeb-1250	56	4	theory	theory	NOUN
ajbmeb-1250	56	5	assumes	assume	VERB
ajbmeb-1250	56	6	that	that	SCONJ
ajbmeb-1250	56	7	assets	asset	NOUN
ajbmeb-1250	56	8	need	need	AUX
ajbmeb-1250	56	9	not	not	PART
ajbmeb-1250	56	10	be	be	AUX
ajbmeb-1250	56	11	tied	tie	VERB
ajbmeb-1250	56	12	on	on	ADP
ajbmeb-1250	56	13	only	only	ADV
ajbmeb-1250	56	14	self	self	NOUN
ajbmeb-1250	56	15	-	-	PUNCT
ajbmeb-1250	56	16	liquidating	liquidate	VERB
ajbmeb-1250	56	17	bills	bill	NOUN
ajbmeb-1250	56	18	,	,	PUNCT
ajbmeb-1250	56	19	but	but	CCONJ
ajbmeb-1250	56	20	also	also	ADV
ajbmeb-1250	56	21	held	hold	VERB
ajbmeb-1250	56	22	in	in	ADP
ajbmeb-1250	56	23	other	other	ADJ
ajbmeb-1250	56	24	shiftable	shiftable	ADJ
ajbmeb-1250	56	25	open	open	ADJ
ajbmeb-1250	56	26	-	-	PUNCT
ajbmeb-1250	56	27	market	market	NOUN
ajbmeb-1250	56	28	assets	asset	NOUN
ajbmeb-1250	56	29	,	,	PUNCT
ajbmeb-1250	56	30	such	such	ADJ
ajbmeb-1250	56	31	as	as	ADP
ajbmeb-1250	56	32	government	government	NOUN
ajbmeb-1250	56	33	securities	security	NOUN
ajbmeb-1250	56	34	(	(	PUNCT
ajbmeb-1250	56	35	moti	moti	PROPN
ajbmeb-1250	56	36	,	,	PUNCT
ajbmeb-1250	56	37	masinde	masinde	VERB
ajbmeb-1250	56	38	&	&	CCONJ
ajbmeb-1250	56	39	mugenda	mugenda	ADJ
ajbmeb-1250	56	40	,	,	PUNCT
ajbmeb-1250	56	41	2012	2012	NUM
ajbmeb-1250	56	42	)	)	PUNCT
ajbmeb-1250	56	43	.	.	PUNCT
ajbmeb-1250	57	1	it	it	PRON
ajbmeb-1250	57	2	must	must	AUX
ajbmeb-1250	57	3	be	be	AUX
ajbmeb-1250	57	4	noted	note	VERB
ajbmeb-1250	57	5	that	that	SCONJ
ajbmeb-1250	57	6	the	the	DET
ajbmeb-1250	57	7	shiftability	shiftability	NOUN
ajbmeb-1250	57	8	theory	theory	NOUN
ajbmeb-1250	57	9	did	do	AUX
ajbmeb-1250	57	10	not	not	PART
ajbmeb-1250	57	11	replace	replace	VERB
ajbmeb-1250	57	12	the	the	DET
ajbmeb-1250	57	13	commercial	commercial	ADJ
ajbmeb-1250	57	14	loan	loan	NOUN
ajbmeb-1250	57	15	theory	theory	NOUN
ajbmeb-1250	57	16	or	or	CCONJ
ajbmeb-1250	57	17	made	make	VERB
ajbmeb-1250	57	18	it	it	PRON
ajbmeb-1250	57	19	to	to	PART
ajbmeb-1250	57	20	be	be	AUX
ajbmeb-1250	57	21	invalid	invalid	ADJ
ajbmeb-1250	57	22	.	.	PUNCT
ajbmeb-1250	58	1	instead	instead	ADV
ajbmeb-1250	58	2	,	,	PUNCT
ajbmeb-1250	58	3	the	the	DET
ajbmeb-1250	58	4	shiftability	shiftability	NOUN
ajbmeb-1250	58	5	theory	theory	NOUN
ajbmeb-1250	58	6	took	take	VERB
ajbmeb-1250	58	7	a	a	DET
ajbmeb-1250	58	8	more	more	ADV
ajbmeb-1250	58	9	general	general	ADJ
ajbmeb-1250	58	10	view	view	NOUN
ajbmeb-1250	58	11	of	of	ADP
ajbmeb-1250	58	12	the	the	DET
ajbmeb-1250	58	13	banking	banking	NOUN
ajbmeb-1250	58	14	business	business	NOUN
ajbmeb-1250	58	15	by	by	ADP
ajbmeb-1250	58	16	broadening	broaden	VERB
ajbmeb-1250	58	17	the	the	DET
ajbmeb-1250	58	18	list	list	NOUN
ajbmeb-1250	58	19	of	of	ADP
ajbmeb-1250	58	20	assets	asset	NOUN
ajbmeb-1250	58	21	deemed	deem	VERB
ajbmeb-1250	58	22	legitimate	legitimate	ADJ
ajbmeb-1250	58	23	for	for	ADP
ajbmeb-1250	58	24	bank	bank	NOUN
ajbmeb-1250	58	25	investment	investment	NOUN
ajbmeb-1250	58	26	.	.	PUNCT
ajbmeb-1250	59	1	the	the	DET
ajbmeb-1250	59	2	stability	stability	NOUN
ajbmeb-1250	59	3	theory	theory	NOUN
ajbmeb-1250	59	4	does	do	AUX
ajbmeb-1250	59	5	not	not	PART
ajbmeb-1250	59	6	say	say	VERB
ajbmeb-1250	59	7	that	that	SCONJ
ajbmeb-1250	59	8	commercial	commercial	ADJ
ajbmeb-1250	59	9	american	american	ADJ
ajbmeb-1250	59	10	journal	journal	PROPN
ajbmeb-1250	59	11	of	of	ADP
ajbmeb-1250	59	12	business	business	NOUN
ajbmeb-1250	59	13	management	management	NOUN
ajbmeb-1250	59	14	,	,	PUNCT
ajbmeb-1250	59	15	economics	economic	NOUN
ajbmeb-1250	59	16	and	and	CCONJ
ajbmeb-1250	59	17	banking	banking	NOUN
ajbmeb-1250	59	18	volume	volume	NOUN
ajbmeb-1250	59	19	16	16	NUM
ajbmeb-1250	59	20	sep	sep	PROPN
ajbmeb-1250	59	21	,	,	PUNCT
ajbmeb-1250	59	22	2023	2023	NUM
ajbmeb-1250	59	23	p	p	NOUN
ajbmeb-1250	59	24	a	a	DET
ajbmeb-1250	59	25	g	g	NOUN
ajbmeb-1250	59	26	e	e	NOUN
ajbmeb-1250	59	27	|	|	NOUN
ajbmeb-1250	59	28	215	215	NUM
ajbmeb-1250	59	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	59	30	loans	loan	NOUN
ajbmeb-1250	59	31	are	be	AUX
ajbmeb-1250	59	32	not	not	PART
ajbmeb-1250	59	33	the	the	DET
ajbmeb-1250	59	34	only	only	ADJ
ajbmeb-1250	59	35	appropriate	appropriate	ADJ
ajbmeb-1250	59	36	asset	asset	NOUN
ajbmeb-1250	59	37	.	.	PUNCT
ajbmeb-1250	60	1	the	the	DET
ajbmeb-1250	60	2	ability	ability	NOUN
ajbmeb-1250	60	3	to	to	PART
ajbmeb-1250	60	4	shift	shift	VERB
ajbmeb-1250	60	5	its	its	PRON
ajbmeb-1250	60	6	assets	asset	NOUN
ajbmeb-1250	60	7	to	to	ADP
ajbmeb-1250	60	8	someone	someone	PRON
ajbmeb-1250	60	9	else	else	ADV
ajbmeb-1250	60	10	at	at	ADP
ajbmeb-1250	60	11	a	a	DET
ajbmeb-1250	60	12	predictable	predictable	ADJ
ajbmeb-1250	60	13	price	price	NOUN
ajbmeb-1250	60	14	.	.	PUNCT
ajbmeb-1250	61	1	thus	thus	ADV
ajbmeb-1250	61	2	,	,	PUNCT
ajbmeb-1250	61	3	for	for	ADP
ajbmeb-1250	61	4	example	example	NOUN
ajbmeb-1250	61	5	,	,	PUNCT
ajbmeb-1250	61	6	it	it	PRON
ajbmeb-1250	61	7	would	would	AUX
ajbmeb-1250	61	8	be	be	AUX
ajbmeb-1250	61	9	quite	quite	ADV
ajbmeb-1250	61	10	acceptable	acceptable	ADJ
ajbmeb-1250	61	11	for	for	SCONJ
ajbmeb-1250	61	12	a	a	DET
ajbmeb-1250	61	13	bank	bank	NOUN
ajbmeb-1250	61	14	to	to	PART
ajbmeb-1250	61	15	hold	hold	VERB
ajbmeb-1250	61	16	short	short	ADJ
ajbmeb-1250	61	17	-	-	PUNCT
ajbmeb-1250	61	18	term	term	NOUN
ajbmeb-1250	61	19	open	open	ADJ
ajbmeb-1250	61	20	market	market	NOUN
ajbmeb-1250	61	21	investments	investment	NOUN
ajbmeb-1250	61	22	in	in	ADP
ajbmeb-1250	61	23	its	its	PRON
ajbmeb-1250	61	24	portfolio	portfolio	NOUN
ajbmeb-1250	61	25	of	of	ADP
ajbmeb-1250	61	26	assets	asset	NOUN
ajbmeb-1250	61	27	.	.	PUNCT
ajbmeb-1250	62	1	the	the	DET
ajbmeb-1250	62	2	shiftability	shiftability	NOUN
ajbmeb-1250	62	3	theory	theory	NOUN
ajbmeb-1250	62	4	,	,	PUNCT
ajbmeb-1250	62	5	profound	profound	ADJ
ajbmeb-1250	62	6	effect	effect	NOUN
ajbmeb-1250	62	7	on	on	ADP
ajbmeb-1250	62	8	banking	banking	NOUN
ajbmeb-1250	62	9	practices	practice	NOUN
ajbmeb-1250	62	10	can	can	AUX
ajbmeb-1250	62	11	hardly	hardly	ADV
ajbmeb-1250	62	12	be	be	AUX
ajbmeb-1250	62	13	denied	deny	VERB
ajbmeb-1250	62	14	.	.	PUNCT
ajbmeb-1250	63	1	what	what	PRON
ajbmeb-1250	63	2	it	it	PRON
ajbmeb-1250	63	3	did	do	AUX
ajbmeb-1250	63	4	,	,	PUNCT
ajbmeb-1250	63	5	basically	basically	ADV
ajbmeb-1250	63	6	was	be	AUX
ajbmeb-1250	63	7	to	to	PART
ajbmeb-1250	63	8	redirect	redirect	VERB
ajbmeb-1250	63	9	the	the	DET
ajbmeb-1250	63	10	attention	attention	NOUN
ajbmeb-1250	63	11	of	of	ADP
ajbmeb-1250	63	12	bankers	banker	NOUN
ajbmeb-1250	63	13	and	and	CCONJ
ajbmeb-1250	63	14	the	the	DET
ajbmeb-1250	63	15	banking	banking	NOUN
ajbmeb-1250	63	16	authorities	authority	NOUN
ajbmeb-1250	63	17	from	from	ADP
ajbmeb-1250	63	18	loans	loan	NOUN
ajbmeb-1250	63	19	to	to	ADP
ajbmeb-1250	63	20	investments	investment	NOUN
ajbmeb-1250	63	21	as	as	ADP
ajbmeb-1250	63	22	a	a	DET
ajbmeb-1250	63	23	source	source	NOUN
ajbmeb-1250	63	24	of	of	ADP
ajbmeb-1250	63	25	bank	bank	NOUN
ajbmeb-1250	63	26	liquidity	liquidity	NOUN
ajbmeb-1250	63	27	.	.	PUNCT
ajbmeb-1250	64	1	indeed	indeed	ADV
ajbmeb-1250	64	2	,	,	PUNCT
ajbmeb-1250	64	3	proponents	proponent	NOUN
ajbmeb-1250	64	4	of	of	ADP
ajbmeb-1250	64	5	the	the	DET
ajbmeb-1250	64	6	theory	theory	NOUN
ajbmeb-1250	64	7	argued	argue	VERB
ajbmeb-1250	64	8	that	that	SCONJ
ajbmeb-1250	64	9	the	the	DET
ajbmeb-1250	64	10	liquidity	liquidity	NOUN
ajbmeb-1250	64	11	of	of	ADP
ajbmeb-1250	64	12	short	short	ADJ
ajbmeb-1250	64	13	-	-	PUNCT
ajbmeb-1250	64	14	term	term	NOUN
ajbmeb-1250	64	15	,	,	PUNCT
ajbmeb-1250	64	16	commercial	commercial	ADJ
ajbmeb-1250	64	17	loans	loan	NOUN
ajbmeb-1250	64	18	was	be	AUX
ajbmeb-1250	64	19	largely	largely	ADV
ajbmeb-1250	64	20	fictional	fictional	ADJ
ajbmeb-1250	64	21	in	in	ADP
ajbmeb-1250	64	22	any	any	DET
ajbmeb-1250	64	23	case	case	NOUN
ajbmeb-1250	64	24	.	.	PUNCT
ajbmeb-1250	65	1	according	accord	VERB
ajbmeb-1250	65	2	to	to	ADP
ajbmeb-1250	65	3	kargi	kargi	PROPN
ajbmeb-1250	65	4	(	(	PUNCT
ajbmeb-1250	65	5	2011	2011	NUM
ajbmeb-1250	65	6	)	)	PUNCT
ajbmeb-1250	65	7	,	,	PUNCT
ajbmeb-1250	65	8	as	as	ADP
ajbmeb-1250	65	9	with	with	ADP
ajbmeb-1250	65	10	the	the	DET
ajbmeb-1250	65	11	commercial	commercial	ADJ
ajbmeb-1250	65	12	loan	loan	NOUN
ajbmeb-1250	65	13	theory	theory	NOUN
ajbmeb-1250	65	14	,	,	PUNCT
ajbmeb-1250	65	15	however	however	ADV
ajbmeb-1250	65	16	,	,	PUNCT
ajbmeb-1250	65	17	the	the	DET
ajbmeb-1250	65	18	shiftability	shiftability	NOUN
ajbmeb-1250	65	19	theory	theory	NOUN
ajbmeb-1250	65	20	contained	contain	VERB
ajbmeb-1250	65	21	a	a	DET
ajbmeb-1250	65	22	serious	serious	ADJ
ajbmeb-1250	65	23	flaw	flaw	NOUN
ajbmeb-1250	65	24	.	.	PUNCT
ajbmeb-1250	66	1	the	the	DET
ajbmeb-1250	66	2	defect	defect	NOUN
ajbmeb-1250	66	3	of	of	ADP
ajbmeb-1250	66	4	the	the	DET
ajbmeb-1250	66	5	theory	theory	NOUN
ajbmeb-1250	66	6	was	be	AUX
ajbmeb-1250	66	7	simply	simply	ADV
ajbmeb-1250	66	8	this	this	PRON
ajbmeb-1250	66	9	:	:	PUNCT
ajbmeb-1250	66	10	although	although	SCONJ
ajbmeb-1250	66	11	one	one	NUM
ajbmeb-1250	66	12	bank	bank	NOUN
ajbmeb-1250	66	13	could	could	AUX
ajbmeb-1250	66	14	obtain	obtain	VERB
ajbmeb-1250	66	15	needed	need	VERB
ajbmeb-1250	66	16	liquidity	liquidity	NOUN
ajbmeb-1250	66	17	by	by	ADP
ajbmeb-1250	66	18	shifting	shift	VERB
ajbmeb-1250	66	19	is	be	AUX
ajbmeb-1250	66	20	assets	asset	NOUN
ajbmeb-1250	66	21	,	,	PUNCT
ajbmeb-1250	66	22	the	the	DET
ajbmeb-1250	66	23	same	same	ADJ
ajbmeb-1250	66	24	thing	thing	NOUN
ajbmeb-1250	66	25	was	be	AUX
ajbmeb-1250	66	26	not	not	PART
ajbmeb-1250	66	27	true	true	ADJ
ajbmeb-1250	66	28	of	of	ADP
ajbmeb-1250	66	29	all	all	DET
ajbmeb-1250	66	30	banks	bank	NOUN
ajbmeb-1250	66	31	taken	take	VERB
ajbmeb-1250	66	32	together	together	ADV
ajbmeb-1250	66	33	.	.	PUNCT
ajbmeb-1250	67	1	financial	financial	ADJ
ajbmeb-1250	67	2	performance	performance	NOUN
ajbmeb-1250	67	3	financial	financial	ADJ
ajbmeb-1250	67	4	performance	performance	NOUN
ajbmeb-1250	67	5	in	in	ADP
ajbmeb-1250	67	6	an	an	DET
ajbmeb-1250	67	7	organization	organization	NOUN
ajbmeb-1250	67	8	demonstrates	demonstrate	VERB
ajbmeb-1250	67	9	the	the	DET
ajbmeb-1250	67	10	proficient	proficient	ADJ
ajbmeb-1250	67	11	use	use	NOUN
ajbmeb-1250	67	12	of	of	ADP
ajbmeb-1250	67	13	resources	resource	NOUN
ajbmeb-1250	67	14	and	and	CCONJ
ajbmeb-1250	67	15	the	the	DET
ajbmeb-1250	67	16	organization	organization	NOUN
ajbmeb-1250	67	17	capacity	capacity	NOUN
ajbmeb-1250	67	18	to	to	PART
ajbmeb-1250	67	19	generate	generate	VERB
ajbmeb-1250	67	20	profit	profit	NOUN
ajbmeb-1250	67	21	.	.	PUNCT
ajbmeb-1250	68	1	it	it	PRON
ajbmeb-1250	68	2	is	be	AUX
ajbmeb-1250	68	3	of	of	ADP
ajbmeb-1250	68	4	considerable	considerable	ADJ
ajbmeb-1250	68	5	interest	interest	NOUN
ajbmeb-1250	68	6	to	to	ADP
ajbmeb-1250	68	7	stakeholders	stakeholder	NOUN
ajbmeb-1250	68	8	,	,	PUNCT
ajbmeb-1250	68	9	including	include	VERB
ajbmeb-1250	68	10	customers	customer	NOUN
ajbmeb-1250	68	11	,	,	PUNCT
ajbmeb-1250	68	12	payables	payable	NOUN
ajbmeb-1250	68	13	,	,	PUNCT
ajbmeb-1250	68	14	shareholders	shareholder	NOUN
ajbmeb-1250	68	15	,	,	PUNCT
ajbmeb-1250	68	16	government	government	NOUN
ajbmeb-1250	68	17	and	and	CCONJ
ajbmeb-1250	68	18	mangers	manger	NOUN
ajbmeb-1250	68	19	in	in	ADP
ajbmeb-1250	68	20	that	that	SCONJ
ajbmeb-1250	68	21	it	it	PRON
ajbmeb-1250	68	22	shows	show	VERB
ajbmeb-1250	68	23	shareholders	shareholder	NOUN
ajbmeb-1250	68	24	the	the	DET
ajbmeb-1250	68	25	return	return	NOUN
ajbmeb-1250	68	26	on	on	ADP
ajbmeb-1250	68	27	capital	capital	NOUN
ajbmeb-1250	68	28	invested	invest	VERB
ajbmeb-1250	68	29	,	,	PUNCT
ajbmeb-1250	68	30	return	return	VERB
ajbmeb-1250	68	31	on	on	ADP
ajbmeb-1250	68	32	assets	asset	NOUN
ajbmeb-1250	68	33	,	,	PUNCT
ajbmeb-1250	68	34	return	return	VERB
ajbmeb-1250	68	35	on	on	ADP
ajbmeb-1250	68	36	equity	equity	NOUN
ajbmeb-1250	68	37	,	,	PUNCT
ajbmeb-1250	68	38	earnings	earning	NOUN
ajbmeb-1250	68	39	per	per	ADP
ajbmeb-1250	68	40	share	share	NOUN
ajbmeb-1250	68	41	and	and	CCONJ
ajbmeb-1250	68	42	profit	profit	NOUN
ajbmeb-1250	68	43	after	after	ADP
ajbmeb-1250	68	44	tax	tax	NOUN
ajbmeb-1250	68	45	,	,	PUNCT
ajbmeb-1250	68	46	send	send	VERB
ajbmeb-1250	68	47	signals	signal	NOUN
ajbmeb-1250	68	48	to	to	ADP
ajbmeb-1250	68	49	customers	customer	NOUN
ajbmeb-1250	68	50	of	of	ADP
ajbmeb-1250	68	51	the	the	DET
ajbmeb-1250	68	52	organization	organization	NOUN
ajbmeb-1250	68	53	capacity	capacity	NOUN
ajbmeb-1250	68	54	to	to	PART
ajbmeb-1250	68	55	meet	meet	VERB
ajbmeb-1250	68	56	their	their	PRON
ajbmeb-1250	68	57	needs	need	NOUN
ajbmeb-1250	68	58	,	,	PUNCT
ajbmeb-1250	68	59	shows	show	VERB
ajbmeb-1250	68	60	government	government	NOUN
ajbmeb-1250	68	61	the	the	DET
ajbmeb-1250	68	62	capacity	capacity	NOUN
ajbmeb-1250	68	63	of	of	ADP
ajbmeb-1250	68	64	the	the	DET
ajbmeb-1250	68	65	organization	organization	NOUN
ajbmeb-1250	68	66	to	to	PART
ajbmeb-1250	68	67	pay	pay	VERB
ajbmeb-1250	68	68	its	its	PRON
ajbmeb-1250	68	69	tax	tax	NOUN
ajbmeb-1250	68	70	;	;	PUNCT
ajbmeb-1250	68	71	and	and	CCONJ
ajbmeb-1250	68	72	shows	show	VERB
ajbmeb-1250	68	73	mangers	manger	NOUN
ajbmeb-1250	68	74	the	the	DET
ajbmeb-1250	68	75	value	value	NOUN
ajbmeb-1250	68	76	of	of	ADP
ajbmeb-1250	68	77	their	their	PRON
ajbmeb-1250	68	78	effort	effort	NOUN
ajbmeb-1250	68	79	and	and	CCONJ
ajbmeb-1250	68	80	human	human	ADJ
ajbmeb-1250	68	81	capital	capital	NOUN
ajbmeb-1250	68	82	invested	invest	VERB
ajbmeb-1250	68	83	in	in	ADP
ajbmeb-1250	68	84	the	the	DET
ajbmeb-1250	68	85	organization	organization	NOUN
ajbmeb-1250	68	86	(	(	PUNCT
ajbmeb-1250	68	87	zhang	zhang	PROPN
ajbmeb-1250	68	88	,	,	PUNCT
ajbmeb-1250	68	89	2012	2012	NUM
ajbmeb-1250	68	90	;	;	PUNCT
ajbmeb-1250	68	91	lucky	lucky	ADJ
ajbmeb-1250	68	92	,	,	PUNCT
ajbmeb-1250	68	93	nwosi	nwosi	PRON
ajbmeb-1250	68	94	,	,	PUNCT
ajbmeb-1250	68	95	2015	2015	NUM
ajbmeb-1250	68	96	)	)	PUNCT
ajbmeb-1250	68	97	.	.	PUNCT
ajbmeb-1250	69	1	return	return	VERB
ajbmeb-1250	69	2	on	on	ADP
ajbmeb-1250	69	3	equity	equity	NOUN
ajbmeb-1250	69	4	return	return	NOUN
ajbmeb-1250	69	5	on	on	ADP
ajbmeb-1250	69	6	equity	equity	NOUN
ajbmeb-1250	69	7	shows	show	VERB
ajbmeb-1250	69	8	the	the	DET
ajbmeb-1250	69	9	profitability	profitability	NOUN
ajbmeb-1250	69	10	to	to	ADP
ajbmeb-1250	69	11	shareholders	shareholder	NOUN
ajbmeb-1250	69	12	of	of	ADP
ajbmeb-1250	69	13	the	the	DET
ajbmeb-1250	69	14	firm	firm	NOUN
ajbmeb-1250	69	15	after	after	ADP
ajbmeb-1250	69	16	all	all	DET
ajbmeb-1250	69	17	expenses	expense	NOUN
ajbmeb-1250	69	18	and	and	CCONJ
ajbmeb-1250	69	19	taxes	taxis	NOUN
ajbmeb-1250	69	20	(	(	PUNCT
ajbmeb-1250	69	21	van	van	NOUN
ajbmeb-1250	69	22	,	,	PUNCT
ajbmeb-1250	69	23	horne&wachowicz	horne&wachowicz	ADJ
ajbmeb-1250	69	24	,	,	PUNCT
ajbmeb-1250	69	25	2018	2018	NUM
ajbmeb-1250	69	26	)	)	PUNCT
ajbmeb-1250	69	27	.	.	PUNCT
ajbmeb-1250	70	1	it	it	PRON
ajbmeb-1250	70	2	measures	measure	VERB
ajbmeb-1250	70	3	the	the	DET
ajbmeb-1250	70	4	amount	amount	NOUN
ajbmeb-1250	70	5	the	the	DET
ajbmeb-1250	70	6	firm	firm	NOUN
ajbmeb-1250	70	7	is	be	AUX
ajbmeb-1250	70	8	earning	earn	VERB
ajbmeb-1250	70	9	after	after	ADP
ajbmeb-1250	70	10	tax	tax	NOUN
ajbmeb-1250	70	11	for	for	ADP
ajbmeb-1250	70	12	each	each	DET
ajbmeb-1250	70	13	naira	naira	NOUN
ajbmeb-1250	70	14	invested	invest	VERB
ajbmeb-1250	70	15	in	in	ADP
ajbmeb-1250	70	16	the	the	DET
ajbmeb-1250	70	17	firm	firm	NOUN
ajbmeb-1250	70	18	.	.	PUNCT
ajbmeb-1250	71	1	in	in	ADP
ajbmeb-1250	71	2	other	other	ADJ
ajbmeb-1250	71	3	words	word	NOUN
ajbmeb-1250	71	4	,	,	PUNCT
ajbmeb-1250	71	5	roe	roe	PROPN
ajbmeb-1250	71	6	is	be	AUX
ajbmeb-1250	71	7	net	net	ADJ
ajbmeb-1250	71	8	earnings	earning	NOUN
ajbmeb-1250	71	9	per	per	ADP
ajbmeb-1250	71	10	naira	naira	NOUN
ajbmeb-1250	71	11	equity	equity	NOUN
ajbmeb-1250	71	12	capital	capital	NOUN
ajbmeb-1250	71	13	.	.	PUNCT
ajbmeb-1250	72	1	it	it	PRON
ajbmeb-1250	72	2	is	be	AUX
ajbmeb-1250	72	3	also	also	ADV
ajbmeb-1250	72	4	an	an	DET
ajbmeb-1250	72	5	indicator	indicator	NOUN
ajbmeb-1250	72	6	of	of	ADP
ajbmeb-1250	72	7	measuring	measure	VERB
ajbmeb-1250	72	8	managerial	managerial	ADJ
ajbmeb-1250	72	9	competence	competence	NOUN
ajbmeb-1250	72	10	(	(	PUNCT
ajbmeb-1250	72	11	rose	rise	VERB
ajbmeb-1250	72	12	,	,	PUNCT
ajbmeb-1250	72	13	2017	2017	NUM
ajbmeb-1250	72	14	)	)	PUNCT
ajbmeb-1250	72	15	.	.	PUNCT
ajbmeb-1250	73	1	higher	high	ADJ
ajbmeb-1250	73	2	roe	roe	PROPN
ajbmeb-1250	73	3	means	mean	VERB
ajbmeb-1250	73	4	better	well	ADJ
ajbmeb-1250	73	5	managerial	managerial	ADJ
ajbmeb-1250	73	6	performance	performance	NOUN
ajbmeb-1250	73	7	;	;	PUNCT
ajbmeb-1250	73	8	however	however	ADV
ajbmeb-1250	73	9	,	,	PUNCT
ajbmeb-1250	73	10	a	a	DET
ajbmeb-1250	73	11	higher	high	ADJ
ajbmeb-1250	73	12	return	return	NOUN
ajbmeb-1250	73	13	on	on	ADP
ajbmeb-1250	73	14	equity	equity	NOUN
ajbmeb-1250	73	15	may	may	AUX
ajbmeb-1250	73	16	be	be	AUX
ajbmeb-1250	73	17	due	due	ADJ
ajbmeb-1250	73	18	to	to	ADP
ajbmeb-1250	73	19	debt	debt	NOUN
ajbmeb-1250	73	20	(	(	PUNCT
ajbmeb-1250	73	21	financial	financial	ADJ
ajbmeb-1250	73	22	leverage	leverage	NOUN
ajbmeb-1250	73	23	)	)	PUNCT
ajbmeb-1250	73	24	or	or	CCONJ
ajbmeb-1250	73	25	higher	high	ADJ
ajbmeb-1250	73	26	return	return	NOUN
ajbmeb-1250	73	27	on	on	ADP
ajbmeb-1250	73	28	assets	asset	NOUN
ajbmeb-1250	73	29	.	.	PUNCT
ajbmeb-1250	74	1	financial	financial	ADJ
ajbmeb-1250	74	2	leverage	leverage	NOUN
ajbmeb-1250	74	3	creates	create	VERB
ajbmeb-1250	74	4	an	an	DET
ajbmeb-1250	74	5	important	important	ADJ
ajbmeb-1250	74	6	distinction	distinction	NOUN
ajbmeb-1250	74	7	between	between	ADP
ajbmeb-1250	74	8	roa	roa	PROPN
ajbmeb-1250	74	9	and	and	CCONJ
ajbmeb-1250	74	10	roe	roe	NOUN
ajbmeb-1250	74	11	in	in	ADP
ajbmeb-1250	74	12	that	that	DET
ajbmeb-1250	74	13	financial	financial	ADJ
ajbmeb-1250	74	14	leverage	leverage	NOUN
ajbmeb-1250	74	15	always	always	ADV
ajbmeb-1250	74	16	expands	expand	VERB
ajbmeb-1250	74	17	roe	roe	NOUN
ajbmeb-1250	74	18	.	.	PUNCT
ajbmeb-1250	75	1	this	this	PRON
ajbmeb-1250	75	2	will	will	AUX
ajbmeb-1250	75	3	always	always	ADV
ajbmeb-1250	75	4	be	be	AUX
ajbmeb-1250	75	5	the	the	DET
ajbmeb-1250	75	6	case	case	NOUN
ajbmeb-1250	75	7	as	as	ADV
ajbmeb-1250	75	8	long	long	ADV
ajbmeb-1250	75	9	as	as	SCONJ
ajbmeb-1250	75	10	the	the	DET
ajbmeb-1250	75	11	roa	roa	NOUN
ajbmeb-1250	75	12	(	(	PUNCT
ajbmeb-1250	75	13	gross	gross	ADJ
ajbmeb-1250	75	14	)	)	PUNCT
ajbmeb-1250	75	15	is	be	AUX
ajbmeb-1250	75	16	greater	great	ADJ
ajbmeb-1250	75	17	than	than	ADP
ajbmeb-1250	75	18	interest	interest	NOUN
ajbmeb-1250	75	19	rate	rate	NOUN
ajbmeb-1250	75	20	on	on	ADP
ajbmeb-1250	75	21	debt	debt	NOUN
ajbmeb-1250	75	22	(	(	PUNCT
ajbmeb-1250	75	23	olaganja	olaganja	ADJ
ajbmeb-1250	75	24	;	;	PUNCT
ajbmeb-1250	75	25	adeyanju	adeyanju	PROPN
ajbmeb-1250	75	26	&	&	CCONJ
ajbmeb-1250	75	27	olabode	olabode	PROPN
ajbmeb-1250	75	28	,	,	PUNCT
ajbmeb-1250	75	29	2016	2016	NUM
ajbmeb-1250	75	30	)	)	PUNCT
ajbmeb-1250	75	31	.	.	PUNCT
ajbmeb-1250	76	1	usually	usually	ADV
ajbmeb-1250	76	2	,	,	PUNCT
ajbmeb-1250	76	3	there	there	PRON
ajbmeb-1250	76	4	is	be	VERB
ajbmeb-1250	76	5	higher	high	ADJ
ajbmeb-1250	76	6	roe	roe	NOUN
ajbmeb-1250	76	7	for	for	ADP
ajbmeb-1250	76	8	high	high	ADJ
ajbmeb-1250	76	9	growth	growth	NOUN
ajbmeb-1250	76	10	companies	company	NOUN
ajbmeb-1250	76	11	.	.	PUNCT
ajbmeb-1250	77	1	musgoki	musgoki	VERB
ajbmeb-1250	77	2	and	and	CCONJ
ajbmeb-1250	77	3	kadubo	kadubo	NOUN
ajbmeb-1250	77	4	(	(	PUNCT
ajbmeb-1250	77	5	2021	2021	NUM
ajbmeb-1250	77	6	)	)	PUNCT
ajbmeb-1250	77	7	,	,	PUNCT
ajbmeb-1250	77	8	pouded	poude	VERB
ajbmeb-1250	77	9	(	(	PUNCT
ajbmeb-1250	77	10	2022	2022	NUM
ajbmeb-1250	77	11	)	)	PUNCT
ajbmeb-1250	77	12	published	publish	VERB
ajbmeb-1250	77	13	his	his	PRON
ajbmeb-1250	77	14	work	work	NOUN
ajbmeb-1250	77	15	that	that	PRON
ajbmeb-1250	77	16	roe	roe	PROPN
ajbmeb-1250	77	17	was	be	AUX
ajbmeb-1250	77	18	used	use	VERB
ajbmeb-1250	77	19	extensively	extensively	ADV
ajbmeb-1250	77	20	for	for	ADP
ajbmeb-1250	77	21	measuring	measure	VERB
ajbmeb-1250	77	22	whether	whether	SCONJ
ajbmeb-1250	77	23	value	value	NOUN
ajbmeb-1250	77	24	was	be	AUX
ajbmeb-1250	77	25	being	be	AUX
ajbmeb-1250	77	26	created	create	VERB
ajbmeb-1250	77	27	for	for	ADP
ajbmeb-1250	77	28	shareholders	shareholder	NOUN
ajbmeb-1250	77	29	.	.	PUNCT
ajbmeb-1250	78	1	the	the	DET
ajbmeb-1250	78	2	reason	reason	NOUN
ajbmeb-1250	78	3	behind	behind	ADP
ajbmeb-1250	78	4	the	the	DET
ajbmeb-1250	78	5	adoption	adoption	NOUN
ajbmeb-1250	78	6	of	of	ADP
ajbmeb-1250	78	7	roe	roe	PROPN
ajbmeb-1250	78	8	as	as	ADP
ajbmeb-1250	78	9	a	a	DET
ajbmeb-1250	78	10	measure	measure	NOUN
ajbmeb-1250	78	11	was	be	AUX
ajbmeb-1250	78	12	that	that	SCONJ
ajbmeb-1250	78	13	it	it	PRON
ajbmeb-1250	78	14	gave	give	VERB
ajbmeb-1250	78	15	more	more	ADV
ajbmeb-1250	78	16	reliable	reliable	ADJ
ajbmeb-1250	78	17	results	result	NOUN
ajbmeb-1250	78	18	than	than	ADP
ajbmeb-1250	78	19	earnings	earning	NOUN
ajbmeb-1250	78	20	per	per	ADP
ajbmeb-1250	78	21	share	share	NOUN
ajbmeb-1250	78	22	(	(	PUNCT
ajbmeb-1250	78	23	eps	eps	PROPN
ajbmeb-1250	78	24	)	)	PUNCT
ajbmeb-1250	78	25	(	(	PUNCT
ajbmeb-1250	78	26	reimann	reimann	NOUN
ajbmeb-1250	78	27	,	,	PUNCT
ajbmeb-1250	78	28	2019	2019	NUM
ajbmeb-1250	78	29	)	)	PUNCT
ajbmeb-1250	78	30	.	.	PUNCT
ajbmeb-1250	79	1	as	as	SCONJ
ajbmeb-1250	79	2	it	it	PRON
ajbmeb-1250	79	3	is	be	AUX
ajbmeb-1250	79	4	important	important	ADJ
ajbmeb-1250	79	5	to	to	PART
ajbmeb-1250	79	6	consider	consider	VERB
ajbmeb-1250	79	7	how	how	SCONJ
ajbmeb-1250	79	8	investors	investor	NOUN
ajbmeb-1250	79	9	value	value	VERB
ajbmeb-1250	79	10	the	the	DET
ajbmeb-1250	79	11	shares	share	NOUN
ajbmeb-1250	79	12	of	of	ADP
ajbmeb-1250	79	13	a	a	DET
ajbmeb-1250	79	14	company	company	NOUN
ajbmeb-1250	79	15	,	,	PUNCT
ajbmeb-1250	79	16	(	(	PUNCT
ajbmeb-1250	79	17	reimann	reimann	NOUN
ajbmeb-1250	79	18	,	,	PUNCT
ajbmeb-1250	79	19	2019	2019	NUM
ajbmeb-1250	79	20	)	)	PUNCT
ajbmeb-1250	79	21	considered	consider	VERB
ajbmeb-1250	79	22	a	a	DET
ajbmeb-1250	79	23	number	number	NOUN
ajbmeb-1250	79	24	of	of	ADP
ajbmeb-1250	79	25	strategy	strategy	NOUN
ajbmeb-1250	79	26	consulting	consulting	NOUN
ajbmeb-1250	79	27	firms	firm	NOUN
ajbmeb-1250	79	28	and	and	CCONJ
ajbmeb-1250	79	29	found	find	VERB
ajbmeb-1250	79	30	that	that	SCONJ
ajbmeb-1250	79	31	they	they	PRON
ajbmeb-1250	79	32	focus	focus	VERB
ajbmeb-1250	79	33	their	their	PRON
ajbmeb-1250	79	34	measurements	measurement	NOUN
ajbmeb-1250	79	35	on	on	ADP
ajbmeb-1250	79	36	the	the	DET
ajbmeb-1250	79	37	spread	spread	NOUN
ajbmeb-1250	79	38	between	between	ADP
ajbmeb-1250	79	39	roe	roe	NOUN
ajbmeb-1250	79	40	and	and	CCONJ
ajbmeb-1250	79	41	the	the	DET
ajbmeb-1250	79	42	cost	cost	NOUN
ajbmeb-1250	79	43	of	of	ADP
ajbmeb-1250	79	44	equity	equity	NOUN
ajbmeb-1250	79	45	.	.	PUNCT
ajbmeb-1250	80	1	if	if	SCONJ
ajbmeb-1250	80	2	the	the	DET
ajbmeb-1250	80	3	spread	spread	NOUN
ajbmeb-1250	80	4	is	be	AUX
ajbmeb-1250	80	5	positive	positive	ADJ
ajbmeb-1250	80	6	,	,	PUNCT
ajbmeb-1250	80	7	it	it	PRON
ajbmeb-1250	80	8	indicates	indicate	VERB
ajbmeb-1250	80	9	that	that	SCONJ
ajbmeb-1250	80	10	a	a	DET
ajbmeb-1250	80	11	company	company	NOUN
ajbmeb-1250	80	12	has	have	VERB
ajbmeb-1250	80	13	advantageous	advantageous	ADJ
ajbmeb-1250	80	14	growth	growth	NOUN
ajbmeb-1250	80	15	opportunities	opportunity	NOUN
ajbmeb-1250	80	16	.	.	PUNCT
ajbmeb-1250	81	1	reimann	reimann	NOUN
ajbmeb-1250	81	2	(	(	PUNCT
ajbmeb-1250	81	3	2019	2019	NUM
ajbmeb-1250	81	4	)	)	PUNCT
ajbmeb-1250	81	5	also	also	ADV
ajbmeb-1250	81	6	identified	identify	VERB
ajbmeb-1250	81	7	changes	change	NOUN
ajbmeb-1250	81	8	to	to	ADP
ajbmeb-1250	81	9	accounting	accounting	NOUN
ajbmeb-1250	81	10	conventions	convention	NOUN
ajbmeb-1250	81	11	(	(	PUNCT
ajbmeb-1250	81	12	policies	policy	NOUN
ajbmeb-1250	81	13	)	)	PUNCT
ajbmeb-1250	81	14	as	as	ADP
ajbmeb-1250	81	15	being	be	AUX
ajbmeb-1250	81	16	a	a	DET
ajbmeb-1250	81	17	problem	problem	NOUN
ajbmeb-1250	81	18	when	when	SCONJ
ajbmeb-1250	81	19	using	use	VERB
ajbmeb-1250	81	20	roe	roe	NOUN
ajbmeb-1250	81	21	as	as	ADP
ajbmeb-1250	81	22	a	a	DET
ajbmeb-1250	81	23	performance	performance	NOUN
ajbmeb-1250	81	24	measure	measure	NOUN
ajbmeb-1250	81	25	.	.	PUNCT
ajbmeb-1250	82	1	it	it	PRON
ajbmeb-1250	82	2	was	be	AUX
ajbmeb-1250	82	3	also	also	ADV
ajbmeb-1250	82	4	recognized	recognize	VERB
ajbmeb-1250	82	5	that	that	SCONJ
ajbmeb-1250	82	6	financial	financial	ADJ
ajbmeb-1250	82	7	measures	measure	NOUN
ajbmeb-1250	82	8	such	such	ADJ
ajbmeb-1250	82	9	as	as	ADP
ajbmeb-1250	82	10	roe	roe	NOUN
ajbmeb-1250	82	11	may	may	AUX
ajbmeb-1250	82	12	be	be	AUX
ajbmeb-1250	82	13	too	too	ADV
ajbmeb-1250	82	14	short	short	ADJ
ajbmeb-1250	82	15	-	-	PUNCT
ajbmeb-1250	82	16	term	term	NOUN
ajbmeb-1250	82	17	and	and	CCONJ
ajbmeb-1250	82	18	that	that	SCONJ
ajbmeb-1250	82	19	longer	long	ADJ
ajbmeb-1250	82	20	-	-	PUNCT
ajbmeb-1250	82	21	term	term	NOUN
ajbmeb-1250	82	22	measures	measure	NOUN
ajbmeb-1250	82	23	,	,	PUNCT
ajbmeb-1250	82	24	perhaps	perhaps	ADV
ajbmeb-1250	82	25	more	more	ADJ
ajbmeb-1250	82	26	qualitative	qualitative	NOUN
ajbmeb-1250	82	27	,	,	PUNCT
ajbmeb-1250	82	28	must	must	AUX
ajbmeb-1250	82	29	be	be	AUX
ajbmeb-1250	82	30	adopted	adopt	VERB
ajbmeb-1250	82	31	as	as	ADV
ajbmeb-1250	82	32	well	well	ADV
ajbmeb-1250	82	33	.	.	PUNCT
ajbmeb-1250	83	1	reimann	reimann	PROPN
ajbmeb-1250	83	2	(	(	PUNCT
ajbmeb-1250	83	3	2019	2019	NUM
ajbmeb-1250	83	4	)	)	PUNCT
ajbmeb-1250	83	5	found	find	VERB
ajbmeb-1250	83	6	that	that	SCONJ
ajbmeb-1250	83	7	roe	roe	NOUN
ajbmeb-1250	83	8	still	still	ADV
ajbmeb-1250	83	9	left	leave	VERB
ajbmeb-1250	83	10	66	66	NUM
ajbmeb-1250	83	11	percent	percent	NOUN
ajbmeb-1250	83	12	of	of	ADP
ajbmeb-1250	83	13	the	the	DET
ajbmeb-1250	83	14	variation	variation	NOUN
ajbmeb-1250	83	15	in	in	ADP
ajbmeb-1250	83	16	share	share	NOUN
ajbmeb-1250	83	17	prices	price	NOUN
ajbmeb-1250	83	18	unexplained	unexplaine	VERB
ajbmeb-1250	83	19	,	,	PUNCT
ajbmeb-1250	83	20	indicating	indicate	VERB
ajbmeb-1250	83	21	a	a	DET
ajbmeb-1250	83	22	large	large	ADJ
ajbmeb-1250	83	23	degree	degree	NOUN
ajbmeb-1250	83	24	of	of	ADP
ajbmeb-1250	83	25	unreliability	unreliability	NOUN
ajbmeb-1250	83	26	.	.	PUNCT
ajbmeb-1250	84	1	american	american	ADJ
ajbmeb-1250	84	2	journal	journal	PROPN
ajbmeb-1250	84	3	of	of	ADP
ajbmeb-1250	84	4	business	business	NOUN
ajbmeb-1250	84	5	management	management	NOUN
ajbmeb-1250	84	6	,	,	PUNCT
ajbmeb-1250	84	7	economics	economic	NOUN
ajbmeb-1250	84	8	and	and	CCONJ
ajbmeb-1250	84	9	banking	banking	NOUN
ajbmeb-1250	84	10	volume	volume	NOUN
ajbmeb-1250	84	11	16	16	NUM
ajbmeb-1250	84	12	sep	sep	PROPN
ajbmeb-1250	84	13	,	,	PUNCT
ajbmeb-1250	84	14	2023	2023	NUM
ajbmeb-1250	84	15	p	p	NOUN
ajbmeb-1250	84	16	a	a	PRON
ajbmeb-1250	84	17	g	g	NOUN
ajbmeb-1250	84	18	e	e	NOUN
ajbmeb-1250	84	19	|	|	NOUN
ajbmeb-1250	84	20	216	216	NUM
ajbmeb-1250	84	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	84	22	another	another	DET
ajbmeb-1250	84	23	problem	problem	NOUN
ajbmeb-1250	84	24	with	with	ADP
ajbmeb-1250	84	25	the	the	DET
ajbmeb-1250	84	26	use	use	NOUN
ajbmeb-1250	84	27	of	of	ADP
ajbmeb-1250	84	28	roe	roe	NOUN
ajbmeb-1250	84	29	,	,	PUNCT
ajbmeb-1250	84	30	as	as	SCONJ
ajbmeb-1250	84	31	identified	identify	VERB
ajbmeb-1250	84	32	by	by	ADP
ajbmeb-1250	84	33	(	(	PUNCT
ajbmeb-1250	84	34	finegan	finegan	ADJ
ajbmeb-1250	84	35	,	,	PUNCT
ajbmeb-1250	84	36	2015	2015	NUM
ajbmeb-1250	84	37	)	)	PUNCT
ajbmeb-1250	84	38	is	be	AUX
ajbmeb-1250	84	39	that	that	SCONJ
ajbmeb-1250	84	40	it	it	PRON
ajbmeb-1250	84	41	does	do	AUX
ajbmeb-1250	84	42	not	not	PART
ajbmeb-1250	84	43	consider	consider	VERB
ajbmeb-1250	84	44	the	the	DET
ajbmeb-1250	84	45	timing	timing	NOUN
ajbmeb-1250	84	46	of	of	ADP
ajbmeb-1250	84	47	cash	cash	NOUN
ajbmeb-1250	84	48	flows	flow	NOUN
ajbmeb-1250	84	49	.	.	PUNCT
ajbmeb-1250	85	1	for	for	ADP
ajbmeb-1250	85	2	that	that	DET
ajbmeb-1250	85	3	reason	reason	NOUN
ajbmeb-1250	85	4	,	,	PUNCT
ajbmeb-1250	85	5	the	the	DET
ajbmeb-1250	85	6	free	free	ADJ
ajbmeb-1250	85	7	cash	cash	NOUN
ajbmeb-1250	85	8	flow	flow	NOUN
ajbmeb-1250	85	9	model	model	NOUN
ajbmeb-1250	85	10	is	be	AUX
ajbmeb-1250	85	11	often	often	ADV
ajbmeb-1250	85	12	cited	cite	VERB
ajbmeb-1250	85	13	as	as	ADP
ajbmeb-1250	85	14	a	a	DET
ajbmeb-1250	85	15	better	well	ADJ
ajbmeb-1250	85	16	means	mean	NOUN
ajbmeb-1250	85	17	to	to	PART
ajbmeb-1250	85	18	determine	determine	VERB
ajbmeb-1250	85	19	whether	whether	SCONJ
ajbmeb-1250	85	20	shareholder	shareholder	NOUN
ajbmeb-1250	85	21	value	value	NOUN
ajbmeb-1250	85	22	is	be	AUX
ajbmeb-1250	85	23	being	be	AUX
ajbmeb-1250	85	24	created	create	VERB
ajbmeb-1250	85	25	.	.	PUNCT
ajbmeb-1250	86	1	finegan	finegan	PROPN
ajbmeb-1250	86	2	(	(	PUNCT
ajbmeb-1250	86	3	2015	2015	NUM
ajbmeb-1250	86	4	)	)	PUNCT
ajbmeb-1250	86	5	also	also	ADV
ajbmeb-1250	86	6	stated	state	VERB
ajbmeb-1250	86	7	that	that	SCONJ
ajbmeb-1250	86	8	investors	investor	NOUN
ajbmeb-1250	86	9	‘	'	PUNCT
ajbmeb-1250	86	10	go	go	VERB
ajbmeb-1250	86	11	far	far	ADV
ajbmeb-1250	86	12	beyond	beyond	ADP
ajbmeb-1250	86	13	earnings	earning	NOUN
ajbmeb-1250	86	14	in	in	ADP
ajbmeb-1250	86	15	evaluating	evaluate	VERB
ajbmeb-1250	86	16	performance	performance	NOUN
ajbmeb-1250	86	17	’	'	PUNCT
ajbmeb-1250	86	18	.	.	PUNCT
ajbmeb-1250	87	1	therefore	therefore	ADV
ajbmeb-1250	87	2	,	,	PUNCT
ajbmeb-1250	87	3	the	the	DET
ajbmeb-1250	87	4	managers	manager	NOUN
ajbmeb-1250	87	5	of	of	ADP
ajbmeb-1250	87	6	a	a	DET
ajbmeb-1250	87	7	company	company	NOUN
ajbmeb-1250	87	8	can	can	AUX
ajbmeb-1250	87	9	not	not	PART
ajbmeb-1250	87	10	rely	rely	VERB
ajbmeb-1250	87	11	on	on	ADP
ajbmeb-1250	87	12	earnings	earning	NOUN
ajbmeb-1250	87	13	figures	figure	NOUN
ajbmeb-1250	87	14	alone	alone	ADJ
ajbmeb-1250	87	15	to	to	PART
ajbmeb-1250	87	16	measure	measure	VERB
ajbmeb-1250	87	17	performance	performance	NOUN
ajbmeb-1250	87	18	,	,	PUNCT
ajbmeb-1250	87	19	unless	unless	SCONJ
ajbmeb-1250	87	20	they	they	PRON
ajbmeb-1250	87	21	want	want	VERB
ajbmeb-1250	87	22	to	to	PART
ajbmeb-1250	87	23	wait	wait	VERB
ajbmeb-1250	87	24	for	for	SCONJ
ajbmeb-1250	87	25	investors	investor	NOUN
ajbmeb-1250	87	26	’	’	PART
ajbmeb-1250	87	27	reactions	reaction	NOUN
ajbmeb-1250	87	28	to	to	PART
ajbmeb-1250	87	29	see	see	VERB
ajbmeb-1250	87	30	how	how	SCONJ
ajbmeb-1250	87	31	they	they	PRON
ajbmeb-1250	87	32	are	be	AUX
ajbmeb-1250	87	33	performing	perform	VERB
ajbmeb-1250	87	34	.	.	PUNCT
ajbmeb-1250	88	1	copeland	copeland	PROPN
ajbmeb-1250	88	2	,	,	PUNCT
ajbmeb-1250	88	3	koller	koller	PROPN
ajbmeb-1250	88	4	&	&	CCONJ
ajbmeb-1250	88	5	murrin	murrin	PROPN
ajbmeb-1250	88	6	(	(	PUNCT
ajbmeb-1250	88	7	2016	2016	NUM
ajbmeb-1250	88	8	)	)	PUNCT
ajbmeb-1250	88	9	argue	argue	VERB
ajbmeb-1250	88	10	that	that	SCONJ
ajbmeb-1250	88	11	roe	roe	NOUN
ajbmeb-1250	88	12	is	be	AUX
ajbmeb-1250	88	13	a	a	DET
ajbmeb-1250	88	14	short	short	ADJ
ajbmeb-1250	88	15	-	-	PUNCT
ajbmeb-1250	88	16	term	term	NOUN
ajbmeb-1250	88	17	performance	performance	NOUN
ajbmeb-1250	88	18	measure	measure	NOUN
ajbmeb-1250	88	19	and	and	CCONJ
ajbmeb-1250	88	20	that	that	SCONJ
ajbmeb-1250	88	21	too	too	ADV
ajbmeb-1250	88	22	much	much	ADJ
ajbmeb-1250	88	23	focus	focus	NOUN
ajbmeb-1250	88	24	on	on	ADP
ajbmeb-1250	88	25	it	it	PRON
ajbmeb-1250	88	26	can	can	AUX
ajbmeb-1250	88	27	lead	lead	VERB
ajbmeb-1250	88	28	a	a	DET
ajbmeb-1250	88	29	company	company	NOUN
ajbmeb-1250	88	30	to	to	PART
ajbmeb-1250	88	31	overlook	overlook	VERB
ajbmeb-1250	88	32	long	long	ADJ
ajbmeb-1250	88	33	-	-	PUNCT
ajbmeb-1250	88	34	term	term	NOUN
ajbmeb-1250	88	35	growth	growth	NOUN
ajbmeb-1250	88	36	opportunities	opportunity	NOUN
ajbmeb-1250	88	37	that	that	PRON
ajbmeb-1250	88	38	might	might	AUX
ajbmeb-1250	88	39	increase	increase	VERB
ajbmeb-1250	88	40	shareholder	shareholder	NOUN
ajbmeb-1250	88	41	value	value	NOUN
ajbmeb-1250	88	42	.	.	PUNCT
ajbmeb-1250	89	1	a	a	DET
ajbmeb-1250	89	2	company	company	NOUN
ajbmeb-1250	89	3	may	may	AUX
ajbmeb-1250	89	4	also	also	ADV
ajbmeb-1250	89	5	be	be	AUX
ajbmeb-1250	89	6	able	able	ADJ
ajbmeb-1250	89	7	to	to	PART
ajbmeb-1250	89	8	improve	improve	VERB
ajbmeb-1250	89	9	its	its	PRON
ajbmeb-1250	89	10	roe	roe	NOUN
ajbmeb-1250	89	11	,	,	PUNCT
ajbmeb-1250	89	12	while	while	SCONJ
ajbmeb-1250	89	13	at	at	ADP
ajbmeb-1250	89	14	the	the	DET
ajbmeb-1250	89	15	same	same	ADJ
ajbmeb-1250	89	16	time	time	NOUN
ajbmeb-1250	89	17	earning	earn	VERB
ajbmeb-1250	89	18	a	a	DET
ajbmeb-1250	89	19	return	return	NOUN
ajbmeb-1250	89	20	that	that	PRON
ajbmeb-1250	89	21	is	be	AUX
ajbmeb-1250	89	22	below	below	ADP
ajbmeb-1250	89	23	its	its	PRON
ajbmeb-1250	89	24	weighted	weighted	ADJ
ajbmeb-1250	89	25	average	average	ADJ
ajbmeb-1250	89	26	cost	cost	NOUN
ajbmeb-1250	89	27	of	of	ADP
ajbmeb-1250	89	28	capital	capital	NOUN
ajbmeb-1250	89	29	(	(	PUNCT
ajbmeb-1250	89	30	wacc	wacc	PROPN
ajbmeb-1250	89	31	)	)	PUNCT
ajbmeb-1250	89	32	,	,	PUNCT
ajbmeb-1250	89	33	and	and	CCONJ
ajbmeb-1250	89	34	thereby	thereby	ADV
ajbmeb-1250	89	35	destroy	destroy	VERB
ajbmeb-1250	89	36	value	value	NOUN
ajbmeb-1250	89	37	(	(	PUNCT
ajbmeb-1250	89	38	poudel	poudel	NOUN
ajbmeb-1250	89	39	,	,	PUNCT
ajbmeb-1250	89	40	2022	2022	NUM
ajbmeb-1250	89	41	)	)	PUNCT
ajbmeb-1250	89	42	empirical	empirical	ADJ
ajbmeb-1250	89	43	review	review	NOUN
ajbmeb-1250	89	44	wilner	wilner	X
ajbmeb-1250	89	45	(	(	PUNCT
ajbmeb-1250	89	46	2023	2023	NUM
ajbmeb-1250	89	47	)	)	PUNCT
ajbmeb-1250	89	48	.	.	PUNCT
ajbmeb-1250	90	1	capital	capital	NOUN
ajbmeb-1250	90	2	adequacy	adequacy	NOUN
ajbmeb-1250	90	3	ratio	ratio	NOUN
ajbmeb-1250	90	4	and	and	CCONJ
ajbmeb-1250	90	5	banking	banking	NOUN
ajbmeb-1250	90	6	risks	risk	NOUN
ajbmeb-1250	90	7	in	in	ADP
ajbmeb-1250	90	8	the	the	DET
ajbmeb-1250	90	9	nigeria	nigeria	PROPN
ajbmeb-1250	90	10	money	money	NOUN
ajbmeb-1250	90	11	deposit	deposit	NOUN
ajbmeb-1250	90	12	banks	bank	NOUN
ajbmeb-1250	90	13	.	.	PUNCT
ajbmeb-1250	91	1	the	the	DET
ajbmeb-1250	91	2	study	study	NOUN
ajbmeb-1250	91	3	empirically	empirically	ADV
ajbmeb-1250	91	4	examined	examine	VERB
ajbmeb-1250	91	5	the	the	DET
ajbmeb-1250	91	6	relationship	relationship	NOUN
ajbmeb-1250	91	7	between	between	ADP
ajbmeb-1250	91	8	capital	capital	NOUN
ajbmeb-1250	91	9	adequacy	adequacy	NOUN
ajbmeb-1250	91	10	and	and	CCONJ
ajbmeb-1250	91	11	banking	banking	NOUN
ajbmeb-1250	91	12	risk	risk	NOUN
ajbmeb-1250	91	13	.	.	PUNCT
ajbmeb-1250	92	1	a	a	DET
ajbmeb-1250	92	2	sample	sample	NOUN
ajbmeb-1250	92	3	of	of	ADP
ajbmeb-1250	92	4	twelve	twelve	NUM
ajbmeb-1250	92	5	banks	bank	NOUN
ajbmeb-1250	92	6	out	out	ADP
ajbmeb-1250	92	7	of	of	ADP
ajbmeb-1250	92	8	twenty	twenty	NUM
ajbmeb-1250	92	9	banks	bank	NOUN
ajbmeb-1250	92	10	in	in	ADP
ajbmeb-1250	92	11	the	the	DET
ajbmeb-1250	92	12	nigeria	nigeria	PROPN
ajbmeb-1250	92	13	banking	banking	NOUN
ajbmeb-1250	92	14	industry	industry	NOUN
ajbmeb-1250	92	15	were	be	AUX
ajbmeb-1250	92	16	studied	study	VERB
ajbmeb-1250	92	17	from	from	ADP
ajbmeb-1250	92	18	2017	2017	NUM
ajbmeb-1250	92	19	-	-	PUNCT
ajbmeb-1250	92	20	2021	2021	NUM
ajbmeb-1250	92	21	periods	period	NOUN
ajbmeb-1250	92	22	.	.	PUNCT
ajbmeb-1250	93	1	the	the	DET
ajbmeb-1250	93	2	study	study	NOUN
ajbmeb-1250	93	3	employs	employ	VERB
ajbmeb-1250	93	4	multiple	multiple	ADJ
ajbmeb-1250	93	5	regression	regression	NOUN
ajbmeb-1250	93	6	,	,	PUNCT
ajbmeb-1250	93	7	serial	serial	ADJ
ajbmeb-1250	93	8	correlation	correlation	NOUN
ajbmeb-1250	93	9	and	and	CCONJ
ajbmeb-1250	93	10	multicollinearity	multicollinearity	NOUN
ajbmeb-1250	93	11	based	base	VERB
ajbmeb-1250	93	12	on	on	ADP
ajbmeb-1250	93	13	durbin	durbin	PROPN
ajbmeb-1250	93	14	watson	watson	PROPN
ajbmeb-1250	93	15	result	result	NOUN
ajbmeb-1250	93	16	to	to	PART
ajbmeb-1250	93	17	analyse	analyse	VERB
ajbmeb-1250	93	18	data	datum	NOUN
ajbmeb-1250	93	19	.	.	PUNCT
ajbmeb-1250	94	1	it	it	PRON
ajbmeb-1250	94	2	also	also	ADV
ajbmeb-1250	94	3	adopts	adopt	VERB
ajbmeb-1250	94	4	value	value	NOUN
ajbmeb-1250	94	5	to	to	PART
ajbmeb-1250	94	6	risk	risk	VERB
ajbmeb-1250	94	7	to	to	PART
ajbmeb-1250	94	8	estimate	estimate	VERB
ajbmeb-1250	94	9	capital	capital	NOUN
ajbmeb-1250	94	10	adequacy	adequacy	NOUN
ajbmeb-1250	94	11	ratio	ratio	NOUN
ajbmeb-1250	94	12	of	of	ADP
ajbmeb-1250	94	13	banks	bank	NOUN
ajbmeb-1250	94	14	.	.	PUNCT
ajbmeb-1250	95	1	this	this	PRON
ajbmeb-1250	95	2	means	mean	VERB
ajbmeb-1250	95	3	when	when	SCONJ
ajbmeb-1250	95	4	risk	risk	NOUN
ajbmeb-1250	95	5	level	level	NOUN
ajbmeb-1250	95	6	rises	rise	NOUN
ajbmeb-1250	95	7	,	,	PUNCT
ajbmeb-1250	95	8	capital	capital	NOUN
ajbmeb-1250	95	9	adequacy	adequacy	NOUN
ajbmeb-1250	95	10	ratio	ratio	NOUN
ajbmeb-1250	95	11	falls	fall	VERB
ajbmeb-1250	95	12	in	in	ADP
ajbmeb-1250	95	13	the	the	DET
ajbmeb-1250	95	14	nigeria	nigeria	PROPN
ajbmeb-1250	95	15	banking	banking	NOUN
ajbmeb-1250	95	16	industry	industry	NOUN
ajbmeb-1250	95	17	.	.	PUNCT
ajbmeb-1250	96	1	the	the	DET
ajbmeb-1250	96	2	study	study	NOUN
ajbmeb-1250	96	3	recommends	recommend	VERB
ajbmeb-1250	96	4	that	that	SCONJ
ajbmeb-1250	96	5	nigeria	nigeria	PRON
ajbmeb-1250	96	6	should	should	AUX
ajbmeb-1250	96	7	adopt	adopt	VERB
ajbmeb-1250	96	8	a	a	DET
ajbmeb-1250	96	9	risk	risk	NOUN
ajbmeb-1250	96	10	based	base	VERB
ajbmeb-1250	96	11	approach	approach	NOUN
ajbmeb-1250	96	12	in	in	ADP
ajbmeb-1250	96	13	the	the	DET
ajbmeb-1250	96	14	management	management	NOUN
ajbmeb-1250	96	15	of	of	ADP
ajbmeb-1250	96	16	capital	capital	NOUN
ajbmeb-1250	96	17	instead	instead	ADV
ajbmeb-1250	96	18	of	of	ADP
ajbmeb-1250	96	19	using	use	VERB
ajbmeb-1250	96	20	paid	pay	VERB
ajbmeb-1250	96	21	-	-	PUNCT
ajbmeb-1250	96	22	up	up	ADP
ajbmeb-1250	96	23	capital	capital	NOUN
ajbmeb-1250	96	24	and	and	CCONJ
ajbmeb-1250	96	25	retained	retain	VERB
ajbmeb-1250	96	26	earnings	earning	NOUN
ajbmeb-1250	96	27	as	as	ADP
ajbmeb-1250	96	28	currently	currently	ADV
ajbmeb-1250	96	29	proactive	proactive	ADJ
ajbmeb-1250	96	30	,	,	PUNCT
ajbmeb-1250	96	31	hence	hence	ADV
ajbmeb-1250	96	32	there	there	PRON
ajbmeb-1250	96	33	is	be	VERB
ajbmeb-1250	96	34	a	a	DET
ajbmeb-1250	96	35	significant	significant	ADJ
ajbmeb-1250	96	36	relationship	relationship	NOUN
ajbmeb-1250	96	37	between	between	ADP
ajbmeb-1250	96	38	capital	capital	NOUN
ajbmeb-1250	96	39	adequacy	adequacy	NOUN
ajbmeb-1250	96	40	ratio	ratio	NOUN
ajbmeb-1250	96	41	and	and	CCONJ
ajbmeb-1250	96	42	banks	bank	NOUN
ajbmeb-1250	96	43	risks	risk	NOUN
ajbmeb-1250	96	44	.	.	PUNCT
ajbmeb-1250	97	1	it	it	PRON
ajbmeb-1250	97	2	also	also	ADV
ajbmeb-1250	97	3	recommends	recommend	VERB
ajbmeb-1250	97	4	that	that	SCONJ
ajbmeb-1250	97	5	banks	bank	NOUN
ajbmeb-1250	97	6	should	should	AUX
ajbmeb-1250	97	7	adopt	adopt	VERB
ajbmeb-1250	97	8	pragmatic	pragmatic	ADJ
ajbmeb-1250	97	9	approach	approach	NOUN
ajbmeb-1250	97	10	as	as	ADP
ajbmeb-1250	97	11	increase	increase	NOUN
ajbmeb-1250	97	12	in	in	ADP
ajbmeb-1250	97	13	deposits	deposit	NOUN
ajbmeb-1250	97	14	does	do	AUX
ajbmeb-1250	97	15	not	not	PART
ajbmeb-1250	97	16	necessary	necessary	ADJ
ajbmeb-1250	97	17	result	result	NOUN
ajbmeb-1250	97	18	in	in	ADP
ajbmeb-1250	97	19	increase	increase	NOUN
ajbmeb-1250	97	20	in	in	ADP
ajbmeb-1250	97	21	capital	capital	NOUN
ajbmeb-1250	97	22	adequacy	adequacy	NOUN
ajbmeb-1250	97	23	ratio	ratio	NOUN
ajbmeb-1250	97	24	so	so	SCONJ
ajbmeb-1250	97	25	as	as	SCONJ
ajbmeb-1250	97	26	to	to	PART
ajbmeb-1250	97	27	guarantee	guarantee	VERB
ajbmeb-1250	97	28	the	the	DET
ajbmeb-1250	97	29	safety	safety	NOUN
ajbmeb-1250	97	30	and	and	CCONJ
ajbmeb-1250	97	31	security	security	NOUN
ajbmeb-1250	97	32	of	of	ADP
ajbmeb-1250	97	33	depository	depository	NOUN
ajbmeb-1250	97	34	.	.	PUNCT
ajbmeb-1250	98	1	uremadu	uremadu	ADJ
ajbmeb-1250	98	2	(	(	PUNCT
ajbmeb-1250	98	3	2022	2022	NUM
ajbmeb-1250	98	4	)	)	PUNCT
ajbmeb-1250	98	5	,	,	PUNCT
ajbmeb-1250	98	6	study	study	VERB
ajbmeb-1250	98	7	the	the	DET
ajbmeb-1250	98	8	impact	impact	NOUN
ajbmeb-1250	98	9	of	of	ADP
ajbmeb-1250	98	10	asset	asset	NOUN
ajbmeb-1250	98	11	quality	quality	NOUN
ajbmeb-1250	98	12	on	on	ADP
ajbmeb-1250	98	13	bank	bank	NOUN
ajbmeb-1250	98	14	performance	performance	NOUN
ajbmeb-1250	98	15	:	:	PUNCT
ajbmeb-1250	98	16	the	the	DET
ajbmeb-1250	98	17	case	case	NOUN
ajbmeb-1250	98	18	of	of	ADP
ajbmeb-1250	98	19	egypt	egypt	PROPN
ajbmeb-1250	98	20	.	.	PUNCT
ajbmeb-1250	99	1	the	the	DET
ajbmeb-1250	99	2	study	study	NOUN
ajbmeb-1250	99	3	investigates	investigate	VERB
ajbmeb-1250	99	4	the	the	DET
ajbmeb-1250	99	5	impact	impact	NOUN
ajbmeb-1250	99	6	of	of	ADP
ajbmeb-1250	99	7	asset	asset	NOUN
ajbmeb-1250	99	8	quality	quality	NOUN
ajbmeb-1250	99	9	on	on	ADP
ajbmeb-1250	99	10	cost	cost	NOUN
ajbmeb-1250	99	11	of	of	ADP
ajbmeb-1250	99	12	intermediation	intermediation	NOUN
ajbmeb-1250	99	13	and	and	CCONJ
ajbmeb-1250	99	14	profitability	profitability	NOUN
ajbmeb-1250	99	15	of	of	ADP
ajbmeb-1250	99	16	egyptian	egyptian	ADJ
ajbmeb-1250	99	17	banking	banking	NOUN
ajbmeb-1250	99	18	industry	industry	NOUN
ajbmeb-1250	99	19	.	.	PUNCT
ajbmeb-1250	100	1	using	use	VERB
ajbmeb-1250	100	2	a	a	DET
ajbmeb-1250	100	3	sample	sample	NOUN
ajbmeb-1250	100	4	of	of	ADP
ajbmeb-1250	100	5	28	28	NUM
ajbmeb-1250	100	6	banks	bank	NOUN
ajbmeb-1250	100	7	consolidated	consolidate	VERB
ajbmeb-1250	100	8	from	from	ADP
ajbmeb-1250	100	9	financial	financial	ADJ
ajbmeb-1250	100	10	statements	statement	NOUN
ajbmeb-1250	100	11	and	and	CCONJ
ajbmeb-1250	100	12	micro	micro	ADJ
ajbmeb-1250	100	13	finance	finance	NOUN
ajbmeb-1250	100	14	data	datum	NOUN
ajbmeb-1250	100	15	from	from	ADP
ajbmeb-1250	100	16	world	world	NOUN
ajbmeb-1250	100	17	bank	bank	NOUN
ajbmeb-1250	100	18	indicators	indicator	NOUN
ajbmeb-1250	100	19	(	(	PUNCT
ajbmeb-1250	100	20	wbi	wbi	NOUN
ajbmeb-1250	100	21	)	)	PUNCT
ajbmeb-1250	100	22	between	between	ADP
ajbmeb-1250	100	23	2016	2016	NUM
ajbmeb-1250	100	24	-	-	SYM
ajbmeb-1250	100	25	2020	2020	NUM
ajbmeb-1250	100	26	period	period	NOUN
ajbmeb-1250	100	27	,	,	PUNCT
ajbmeb-1250	100	28	the	the	DET
ajbmeb-1250	100	29	empirical	empirical	ADJ
ajbmeb-1250	100	30	study	study	NOUN
ajbmeb-1250	100	31	employed	employ	VERB
ajbmeb-1250	100	32	two	two	NUM
ajbmeb-1250	100	33	alternative	alternative	ADJ
ajbmeb-1250	100	34	measures	measure	NOUN
ajbmeb-1250	100	35	of	of	ADP
ajbmeb-1250	100	36	asset	asset	NOUN
ajbmeb-1250	100	37	quality	quality	NOUN
ajbmeb-1250	100	38	and	and	CCONJ
ajbmeb-1250	100	39	profitability	profitability	NOUN
ajbmeb-1250	100	40	variables	variable	NOUN
ajbmeb-1250	100	41	.	.	PUNCT
ajbmeb-1250	101	1	the	the	DET
ajbmeb-1250	101	2	profitability	profitability	NOUN
ajbmeb-1250	101	3	variables	variable	NOUN
ajbmeb-1250	101	4	uses	use	VERB
ajbmeb-1250	101	5	return	return	NOUN
ajbmeb-1250	101	6	on	on	ADP
ajbmeb-1250	101	7	asset	asset	NOUN
ajbmeb-1250	101	8	(	(	PUNCT
ajbmeb-1250	101	9	roa	roa	PROPN
ajbmeb-1250	101	10	)	)	PUNCT
ajbmeb-1250	101	11	and	and	CCONJ
ajbmeb-1250	101	12	return	return	VERB
ajbmeb-1250	101	13	on	on	ADP
ajbmeb-1250	101	14	equity	equity	NOUN
ajbmeb-1250	101	15	(	(	PUNCT
ajbmeb-1250	101	16	roe	roe	PROPN
ajbmeb-1250	101	17	)	)	PUNCT
ajbmeb-1250	101	18	,	,	PUNCT
ajbmeb-1250	101	19	while	while	SCONJ
ajbmeb-1250	101	20	asset	asset	NOUN
ajbmeb-1250	101	21	quality	quality	NOUN
ajbmeb-1250	101	22	variables	variable	NOUN
ajbmeb-1250	101	23	were	be	AUX
ajbmeb-1250	101	24	loan	loan	NOUN
ajbmeb-1250	101	25	and	and	CCONJ
ajbmeb-1250	101	26	advance	advance	NOUN
ajbmeb-1250	101	27	and	and	CCONJ
ajbmeb-1250	101	28	capital	capital	NOUN
ajbmeb-1250	101	29	adequacy	adequacy	NOUN
ajbmeb-1250	101	30	.	.	PUNCT
ajbmeb-1250	102	1	the	the	DET
ajbmeb-1250	102	2	empirical	empirical	ADJ
ajbmeb-1250	102	3	analyze	analyze	NOUN
ajbmeb-1250	102	4	cross	cross	ADJ
ajbmeb-1250	102	5	-	-	ADJ
ajbmeb-1250	102	6	sectional	sectional	ADJ
ajbmeb-1250	102	7	and	and	CCONJ
ajbmeb-1250	102	8	time	time	NOUN
ajbmeb-1250	102	9	series	series	PROPN
ajbmeb-1250	102	10	data	datum	NOUN
ajbmeb-1250	102	11	using	use	VERB
ajbmeb-1250	102	12	cross	cross	NOUN
ajbmeb-1250	102	13	-	-	NOUN
ajbmeb-1250	102	14	section	section	ADJ
ajbmeb-1250	102	15	and	and	CCONJ
ajbmeb-1250	102	16	panel	panel	NOUN
ajbmeb-1250	102	17	data	datum	NOUN
ajbmeb-1250	102	18	estimators	estimator	NOUN
ajbmeb-1250	102	19	and	and	CCONJ
ajbmeb-1250	102	20	then	then	ADV
ajbmeb-1250	102	21	present	present	VERB
ajbmeb-1250	102	22	the	the	DET
ajbmeb-1250	102	23	generalized	generalized	ADJ
ajbmeb-1250	102	24	method	method	NOUN
ajbmeb-1250	102	25	of	of	ADP
ajbmeb-1250	102	26	moments	moment	NOUN
ajbmeb-1250	102	27	(	(	PUNCT
ajbmeb-1250	102	28	gmm	gmm	NOUN
ajbmeb-1250	102	29	)	)	PUNCT
ajbmeb-1250	102	30	estimator	estimator	NOUN
ajbmeb-1250	102	31	.	.	PUNCT
ajbmeb-1250	103	1	finding	finding	NOUN
ajbmeb-1250	103	2	indicates	indicate	VERB
ajbmeb-1250	103	3	that	that	SCONJ
ajbmeb-1250	103	4	capital	capital	NOUN
ajbmeb-1250	103	5	adequacy	adequacy	NOUN
ajbmeb-1250	103	6	variable	variable	NOUN
ajbmeb-1250	103	7	(	(	PUNCT
ajbmeb-1250	103	8	capital	capital	NOUN
ajbmeb-1250	103	9	/	/	SYM
ajbmeb-1250	103	10	assets	asset	NOUN
ajbmeb-1250	103	11	)	)	PUNCT
ajbmeb-1250	103	12	,	,	PUNCT
ajbmeb-1250	103	13	loan	loan	NOUN
ajbmeb-1250	103	14	and	and	CCONJ
ajbmeb-1250	103	15	advance	advance	NOUN
ajbmeb-1250	103	16	has	have	VERB
ajbmeb-1250	103	17	a	a	DET
ajbmeb-1250	103	18	positive	positive	ADJ
ajbmeb-1250	103	19	and	and	CCONJ
ajbmeb-1250	103	20	significant	significant	ADJ
ajbmeb-1250	103	21	impact	impact	NOUN
ajbmeb-1250	103	22	on	on	ADP
ajbmeb-1250	103	23	return	return	NOUN
ajbmeb-1250	103	24	on	on	ADP
ajbmeb-1250	103	25	assets	asset	NOUN
ajbmeb-1250	103	26	and	and	CCONJ
ajbmeb-1250	103	27	return	return	VERB
ajbmeb-1250	103	28	on	on	ADP
ajbmeb-1250	103	29	equity	equity	NOUN
ajbmeb-1250	103	30	.	.	PUNCT
ajbmeb-1250	104	1	the	the	DET
ajbmeb-1250	104	2	overall	overall	ADJ
ajbmeb-1250	104	3	empirical	empirical	ADJ
ajbmeb-1250	104	4	results	result	NOUN
ajbmeb-1250	104	5	support	support	VERB
ajbmeb-1250	104	6	the	the	DET
ajbmeb-1250	104	7	central	central	ADJ
ajbmeb-1250	104	8	bank	bank	NOUN
ajbmeb-1250	104	9	efforts	effort	NOUN
ajbmeb-1250	104	10	to	to	PART
ajbmeb-1250	104	11	enforce	enforce	VERB
ajbmeb-1250	104	12	asset	asset	NOUN
ajbmeb-1250	104	13	quality	quality	NOUN
ajbmeb-1250	104	14	towards	towards	ADP
ajbmeb-1250	104	15	improving	improve	VERB
ajbmeb-1250	104	16	the	the	DET
ajbmeb-1250	104	17	performance	performance	NOUN
ajbmeb-1250	104	18	of	of	ADP
ajbmeb-1250	104	19	the	the	DET
ajbmeb-1250	104	20	banking	banking	NOUN
ajbmeb-1250	104	21	sector	sector	NOUN
ajbmeb-1250	104	22	in	in	ADP
ajbmeb-1250	104	23	egypt	egypt	PROPN
ajbmeb-1250	104	24	.	.	PUNCT
ajbmeb-1250	105	1	the	the	DET
ajbmeb-1250	105	2	empirical	empirical	ADJ
ajbmeb-1250	105	3	study	study	NOUN
ajbmeb-1250	105	4	recommend	recommend	VERB
ajbmeb-1250	105	5	that	that	SCONJ
ajbmeb-1250	105	6	higher	high	ADJ
ajbmeb-1250	105	7	capital	capital	NOUN
ajbmeb-1250	105	8	requirements	requirement	NOUN
ajbmeb-1250	105	9	,	,	PUNCT
ajbmeb-1250	105	10	reduction	reduction	NOUN
ajbmeb-1250	105	11	in	in	ADP
ajbmeb-1250	105	12	implicit	implicit	ADJ
ajbmeb-1250	105	13	cost	cost	NOUN
ajbmeb-1250	105	14	and	and	CCONJ
ajbmeb-1250	105	15	increase	increase	VERB
ajbmeb-1250	105	16	in	in	ADP
ajbmeb-1250	105	17	size	size	NOUN
ajbmeb-1250	105	18	of	of	ADP
ajbmeb-1250	105	19	banks	bank	NOUN
ajbmeb-1250	105	20	leads	lead	VERB
ajbmeb-1250	105	21	to	to	ADP
ajbmeb-1250	105	22	banks	bank	NOUN
ajbmeb-1250	105	23	profitability	profitability	NOUN
ajbmeb-1250	105	24	in	in	ADP
ajbmeb-1250	105	25	the	the	DET
ajbmeb-1250	105	26	post	post	ADJ
ajbmeb-1250	105	27	-	-	ADJ
ajbmeb-1250	105	28	regulation	regulation	ADJ
ajbmeb-1250	105	29	period	period	NOUN
ajbmeb-1250	105	30	.	.	PUNCT
ajbmeb-1250	106	1	mohammed	mohammed	PROPN
ajbmeb-1250	106	2	etal	etal	PROPN
ajbmeb-1250	106	3	(	(	PUNCT
ajbmeb-1250	106	4	2015	2015	NUM
ajbmeb-1250	106	5	)	)	PUNCT
ajbmeb-1250	106	6	,	,	PUNCT
ajbmeb-1250	106	7	kioko	kioko	PROPN
ajbmeb-1250	106	8	,	,	PUNCT
ajbmeb-1250	106	9	etal(2017	etal(2017	X
ajbmeb-1250	106	10	)	)	PUNCT
ajbmeb-1250	106	11	,	,	PUNCT
ajbmeb-1250	106	12	study	study	NOUN
ajbmeb-1250	106	13	capital	capital	NOUN
ajbmeb-1250	106	14	adequacy	adequacy	NOUN
ajbmeb-1250	106	15	and	and	CCONJ
ajbmeb-1250	106	16	banks	bank	NOUN
ajbmeb-1250	106	17	profitability	profitability	NOUN
ajbmeb-1250	106	18	:	:	PUNCT
ajbmeb-1250	106	19	empirical	empirical	ADJ
ajbmeb-1250	106	20	evidence	evidence	NOUN
ajbmeb-1250	106	21	from	from	ADP
ajbmeb-1250	106	22	nigeria	nigeria	PROPN
ajbmeb-1250	106	23	.	.	PUNCT
ajbmeb-1250	107	1	the	the	DET
ajbmeb-1250	107	2	study	study	NOUN
ajbmeb-1250	107	3	investigates	investigate	VERB
ajbmeb-1250	107	4	the	the	DET
ajbmeb-1250	107	5	impact	impact	NOUN
ajbmeb-1250	107	6	of	of	ADP
ajbmeb-1250	107	7	capital	capital	NOUN
ajbmeb-1250	107	8	adequacy	adequacy	NOUN
ajbmeb-1250	107	9	on	on	ADP
ajbmeb-1250	107	10	banks	bank	NOUN
ajbmeb-1250	107	11	profitability	profitability	NOUN
ajbmeb-1250	107	12	of	of	ADP
ajbmeb-1250	107	13	domestic	domestic	ADJ
ajbmeb-1250	107	14	and	and	CCONJ
ajbmeb-1250	107	15	foreign	foreign	ADJ
ajbmeb-1250	107	16	banks	bank	NOUN
ajbmeb-1250	107	17	in	in	ADP
ajbmeb-1250	107	18	nigeria	nigeria	PROPN
ajbmeb-1250	107	19	.	.	PUNCT
ajbmeb-1250	108	1	it	it	PRON
ajbmeb-1250	108	2	combines	combine	VERB
ajbmeb-1250	108	3	the	the	DET
ajbmeb-1250	108	4	use	use	NOUN
ajbmeb-1250	108	5	of	of	ADP
ajbmeb-1250	108	6	518	518	NUM
ajbmeb-1250	108	7	questionnaire	questionnaire	NOUN
ajbmeb-1250	108	8	administered	administer	VERB
ajbmeb-1250	108	9	to	to	ADP
ajbmeb-1250	108	10	bank	bank	NOUN
ajbmeb-1250	108	11	staff	staff	NOUN
ajbmeb-1250	108	12	with	with	ADP
ajbmeb-1250	108	13	a	a	DET
ajbmeb-1250	108	14	response	response	NOUN
ajbmeb-1250	108	15	rate	rate	NOUN
ajbmeb-1250	108	16	of	of	ADP
ajbmeb-1250	108	17	76	76	NUM
ajbmeb-1250	108	18	%	%	NOUN
ajbmeb-1250	108	19	basically	basically	ADV
ajbmeb-1250	108	20	to	to	PART
ajbmeb-1250	108	21	obtain	obtain	VERB
ajbmeb-1250	108	22	primary	primary	ADJ
ajbmeb-1250	108	23	data	datum	NOUN
ajbmeb-1250	108	24	and	and	CCONJ
ajbmeb-1250	108	25	published	publish	VERB
ajbmeb-1250	108	26	financial	financial	ADJ
ajbmeb-1250	108	27	reports	report	NOUN
ajbmeb-1250	108	28	of	of	ADP
ajbmeb-1250	108	29	studied	study	VERB
ajbmeb-1250	108	30	banks	bank	NOUN
ajbmeb-1250	108	31	between	between	ADP
ajbmeb-1250	108	32	the	the	DET
ajbmeb-1250	108	33	2016	2016	NUM
ajbmeb-1250	108	34	-	-	PUNCT
ajbmeb-1250	108	35	2020	2020	NUM
ajbmeb-1250	108	36	periods	period	NOUN
ajbmeb-1250	108	37	.	.	PUNCT
ajbmeb-1250	109	1	the	the	DET
ajbmeb-1250	109	2	study	study	NOUN
ajbmeb-1250	109	3	use	use	VERB
ajbmeb-1250	109	4	survey	survey	NOUN
ajbmeb-1250	109	5	design	design	NOUN
ajbmeb-1250	109	6	in	in	ADP
ajbmeb-1250	109	7	line	line	NOUN
ajbmeb-1250	109	8	cross	cross	ADJ
ajbmeb-1250	109	9	-	-	ADJ
ajbmeb-1250	109	10	sectional	sectional	ADJ
ajbmeb-1250	109	11	research	research	NOUN
ajbmeb-1250	109	12	design	design	NOUN
ajbmeb-1250	109	13	.	.	PUNCT
ajbmeb-1250	110	1	it	it	PRON
ajbmeb-1250	110	2	also	also	ADV
ajbmeb-1250	110	3	uses	use	VERB
ajbmeb-1250	110	4	linear	linear	PROPN
ajbmeb-1250	110	5	regression	regression	NOUN
ajbmeb-1250	110	6	to	to	PART
ajbmeb-1250	110	7	analyze	analyze	VERB
ajbmeb-1250	110	8	the	the	DET
ajbmeb-1250	110	9	primary	primary	ADJ
ajbmeb-1250	110	10	data	datum	NOUN
ajbmeb-1250	110	11	and	and	CCONJ
ajbmeb-1250	110	12	panel	panel	NOUN
ajbmeb-1250	110	13	data	datum	NOUN
ajbmeb-1250	110	14	to	to	PART
ajbmeb-1250	110	15	analyze	analyze	VERB
ajbmeb-1250	110	16	the	the	DET
ajbmeb-1250	110	17	secondary	secondary	ADJ
ajbmeb-1250	110	18	data	datum	NOUN
ajbmeb-1250	110	19	analyzed	analyze	VERB
ajbmeb-1250	110	20	revealed	reveal	VERB
ajbmeb-1250	110	21	a	a	DET
ajbmeb-1250	110	22	positive	positive	ADJ
ajbmeb-1250	110	23	and	and	CCONJ
ajbmeb-1250	110	24	significant	significant	ADJ
ajbmeb-1250	110	25	relationship	relationship	NOUN
ajbmeb-1250	110	26	between	between	ADP
ajbmeb-1250	110	27	capital	capital	NOUN
ajbmeb-1250	110	28	adequacy	adequacy	NOUN
ajbmeb-1250	110	29	and	and	CCONJ
ajbmeb-1250	110	30	american	american	ADJ
ajbmeb-1250	110	31	journal	journal	PROPN
ajbmeb-1250	110	32	of	of	ADP
ajbmeb-1250	110	33	business	business	NOUN
ajbmeb-1250	110	34	management	management	NOUN
ajbmeb-1250	110	35	,	,	PUNCT
ajbmeb-1250	110	36	economics	economic	NOUN
ajbmeb-1250	110	37	and	and	CCONJ
ajbmeb-1250	110	38	banking	banking	NOUN
ajbmeb-1250	110	39	volume	volume	NOUN
ajbmeb-1250	110	40	16	16	NUM
ajbmeb-1250	110	41	sep	sep	PROPN
ajbmeb-1250	110	42	,	,	PUNCT
ajbmeb-1250	110	43	2023	2023	NUM
ajbmeb-1250	110	44	p	p	NOUN
ajbmeb-1250	110	45	a	a	DET
ajbmeb-1250	110	46	g	g	NOUN
ajbmeb-1250	110	47	e	e	NOUN
ajbmeb-1250	110	48	|	|	ADV
ajbmeb-1250	110	49	217	217	NUM
ajbmeb-1250	110	50	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	110	51	profitability	profitability	NOUN
ajbmeb-1250	110	52	of	of	ADP
ajbmeb-1250	110	53	banks	bank	NOUN
ajbmeb-1250	110	54	.	.	PUNCT
ajbmeb-1250	111	1	this	this	PRON
ajbmeb-1250	111	2	simply	simply	ADV
ajbmeb-1250	111	3	means	mean	VERB
ajbmeb-1250	111	4	that	that	SCONJ
ajbmeb-1250	111	5	capital	capital	NOUN
ajbmeb-1250	111	6	adequacy	adequacy	NOUN
ajbmeb-1250	111	7	is	be	AUX
ajbmeb-1250	111	8	important	important	ADJ
ajbmeb-1250	111	9	in	in	ADP
ajbmeb-1250	111	10	the	the	DET
ajbmeb-1250	111	11	determination	determination	NOUN
ajbmeb-1250	111	12	of	of	ADP
ajbmeb-1250	111	13	banks	bank	NOUN
ajbmeb-1250	111	14	profitability	profitability	NOUN
ajbmeb-1250	111	15	in	in	ADP
ajbmeb-1250	111	16	the	the	DET
ajbmeb-1250	111	17	nigerian	nigerian	ADJ
ajbmeb-1250	111	18	commercial	commercial	ADJ
ajbmeb-1250	111	19	banks	bank	NOUN
ajbmeb-1250	111	20	.	.	PUNCT
ajbmeb-1250	112	1	findings	finding	NOUN
ajbmeb-1250	112	2	,	,	PUNCT
ajbmeb-1250	112	3	also	also	ADV
ajbmeb-1250	112	4	revealed	reveal	VERB
ajbmeb-1250	112	5	that	that	SCONJ
ajbmeb-1250	112	6	capitalization	capitalization	NOUN
ajbmeb-1250	112	7	and	and	CCONJ
ajbmeb-1250	112	8	profitability	profitability	NOUN
ajbmeb-1250	112	9	are	be	AUX
ajbmeb-1250	112	10	indictors	indictor	NOUN
ajbmeb-1250	112	11	of	of	ADP
ajbmeb-1250	112	12	bank	bank	NOUN
ajbmeb-1250	112	13	risk	risk	NOUN
ajbmeb-1250	112	14	management	management	NOUN
ajbmeb-1250	112	15	efficiency	efficiency	NOUN
ajbmeb-1250	112	16	and	and	CCONJ
ajbmeb-1250	112	17	cushion	cushion	NOUN
ajbmeb-1250	112	18	against	against	ADP
ajbmeb-1250	112	19	losses	loss	NOUN
ajbmeb-1250	112	20	not	not	PART
ajbmeb-1250	112	21	covered	cover	VERB
ajbmeb-1250	112	22	by	by	ADP
ajbmeb-1250	112	23	current	current	ADJ
ajbmeb-1250	112	24	earnings	earning	NOUN
ajbmeb-1250	112	25	.	.	PUNCT
ajbmeb-1250	113	1	the	the	DET
ajbmeb-1250	113	2	study	study	NOUN
ajbmeb-1250	113	3	recommends	recommend	VERB
ajbmeb-1250	113	4	that	that	SCONJ
ajbmeb-1250	113	5	the	the	DET
ajbmeb-1250	113	6	regulatory	regulatory	ADJ
ajbmeb-1250	113	7	authorities	authority	NOUN
ajbmeb-1250	113	8	should	should	AUX
ajbmeb-1250	113	9	ensure	ensure	VERB
ajbmeb-1250	113	10	the	the	DET
ajbmeb-1250	113	11	sustainability	sustainability	NOUN
ajbmeb-1250	113	12	of	of	ADP
ajbmeb-1250	113	13	the	the	DET
ajbmeb-1250	113	14	gains	gain	NOUN
ajbmeb-1250	113	15	of	of	ADP
ajbmeb-1250	113	16	banking	banking	NOUN
ajbmeb-1250	113	17	sectors	sector	NOUN
ajbmeb-1250	113	18	reforms	reform	NOUN
ajbmeb-1250	113	19	.	.	PUNCT
ajbmeb-1250	114	1	they	they	PRON
ajbmeb-1250	114	2	recommend	recommend	VERB
ajbmeb-1250	114	3	further	far	ADV
ajbmeb-1250	114	4	that	that	SCONJ
ajbmeb-1250	114	5	mere	mere	ADJ
ajbmeb-1250	114	6	risk	risk	NOUN
ajbmeb-1250	114	7	management	management	NOUN
ajbmeb-1250	114	8	framework	framework	NOUN
ajbmeb-1250	114	9	should	should	AUX
ajbmeb-1250	114	10	be	be	AUX
ajbmeb-1250	114	11	drawn	draw	VERB
ajbmeb-1250	114	12	as	as	SCONJ
ajbmeb-1250	114	13	this	this	PRON
ajbmeb-1250	114	14	will	will	AUX
ajbmeb-1250	114	15	have	have	VERB
ajbmeb-1250	114	16	positive	positive	ADJ
ajbmeb-1250	114	17	effect	effect	NOUN
ajbmeb-1250	114	18	on	on	ADP
ajbmeb-1250	114	19	banks	bank	NOUN
ajbmeb-1250	114	20	profitability	profitability	NOUN
ajbmeb-1250	114	21	in	in	ADP
ajbmeb-1250	114	22	the	the	DET
ajbmeb-1250	114	23	nigerian	nigerian	ADJ
ajbmeb-1250	114	24	banking	banking	NOUN
ajbmeb-1250	114	25	industry	industry	NOUN
ajbmeb-1250	114	26	.	.	PUNCT
ajbmeb-1250	115	1	deborah	deborah	PROPN
ajbmeb-1250	115	2	(	(	PUNCT
ajbmeb-1250	115	3	2020	2020	NUM
ajbmeb-1250	115	4	)	)	PUNCT
ajbmeb-1250	115	5	,	,	PUNCT
ajbmeb-1250	115	6	dgl(2023	dgl(2023	NOUN
ajbmeb-1250	115	7	)	)	PUNCT
ajbmeb-1250	115	8	.	.	PUNCT
ajbmeb-1250	116	1	the	the	DET
ajbmeb-1250	116	2	role	role	NOUN
ajbmeb-1250	116	3	of	of	ADP
ajbmeb-1250	116	4	capital	capital	NOUN
ajbmeb-1250	116	5	requirements	requirement	NOUN
ajbmeb-1250	116	6	on	on	ADP
ajbmeb-1250	116	7	bank	bank	NOUN
ajbmeb-1250	116	8	competition	competition	NOUN
ajbmeb-1250	116	9	and	and	CCONJ
ajbmeb-1250	116	10	stability	stability	NOUN
ajbmeb-1250	116	11	:	:	PUNCT
ajbmeb-1250	116	12	the	the	DET
ajbmeb-1250	116	13	case	case	NOUN
ajbmeb-1250	116	14	of	of	ADP
ajbmeb-1250	116	15	kenyan	kenyan	ADJ
ajbmeb-1250	116	16	banking	banking	NOUN
ajbmeb-1250	116	17	industry	industry	NOUN
ajbmeb-1250	116	18	.	.	PUNCT
ajbmeb-1250	117	1	the	the	DET
ajbmeb-1250	117	2	study	study	NOUN
ajbmeb-1250	117	3	investigates	investigate	VERB
ajbmeb-1250	117	4	the	the	DET
ajbmeb-1250	117	5	role	role	NOUN
ajbmeb-1250	117	6	of	of	ADP
ajbmeb-1250	117	7	capital	capital	NOUN
ajbmeb-1250	117	8	requirements	requirement	NOUN
ajbmeb-1250	117	9	on	on	ADP
ajbmeb-1250	117	10	banks	bank	NOUN
ajbmeb-1250	117	11	competition	competition	NOUN
ajbmeb-1250	117	12	and	and	CCONJ
ajbmeb-1250	117	13	stability	stability	NOUN
ajbmeb-1250	117	14	in	in	ADP
ajbmeb-1250	117	15	kenyan	kenyan	PROPN
ajbmeb-1250	117	16	for	for	ADP
ajbmeb-1250	117	17	2020	2020	NUM
ajbmeb-1250	117	18	-	-	SYM
ajbmeb-1250	117	19	2021	2021	NUM
ajbmeb-1250	117	20	periods	period	NOUN
ajbmeb-1250	117	21	.	.	PUNCT
ajbmeb-1250	118	1	the	the	DET
ajbmeb-1250	118	2	study	study	NOUN
ajbmeb-1250	118	3	estimates	estimate	VERB
ajbmeb-1250	118	4	the	the	DET
ajbmeb-1250	118	5	fixed	fix	VERB
ajbmeb-1250	118	6	effects	effect	NOUN
ajbmeb-1250	118	7	panel	panel	NOUN
ajbmeb-1250	118	8	regression	regression	NOUN
ajbmeb-1250	118	9	model	model	NOUN
ajbmeb-1250	118	10	for	for	ADP
ajbmeb-1250	118	11	the	the	DET
ajbmeb-1250	118	12	36	36	NUM
ajbmeb-1250	118	13	commercial	commercial	ADJ
ajbmeb-1250	118	14	banks	bank	NOUN
ajbmeb-1250	118	15	operating	operate	VERB
ajbmeb-1250	118	16	in	in	ADP
ajbmeb-1250	118	17	the	the	DET
ajbmeb-1250	118	18	kenyan	kenyan	ADJ
ajbmeb-1250	118	19	banking	banking	NOUN
ajbmeb-1250	118	20	industry	industry	NOUN
ajbmeb-1250	118	21	suing	sue	VERB
ajbmeb-1250	118	22	lerner	lerner	PROPN
ajbmeb-1250	118	23	index	index	PROPN
ajbmeb-1250	118	24	and	and	CCONJ
ajbmeb-1250	118	25	panzar	panzar	NOUN
ajbmeb-1250	118	26	and	and	CCONJ
ajbmeb-1250	118	27	rosse	rosse	PROPN
ajbmeb-1250	118	28	h	h	NOUN
ajbmeb-1250	118	29	-	-	PUNCT
ajbmeb-1250	118	30	statistics	statistic	NOUN
ajbmeb-1250	118	31	as	as	ADP
ajbmeb-1250	118	32	a	a	DET
ajbmeb-1250	118	33	measure	measure	NOUN
ajbmeb-1250	118	34	of	of	ADP
ajbmeb-1250	118	35	competition	competition	NOUN
ajbmeb-1250	118	36	.	.	PUNCT
ajbmeb-1250	119	1	the	the	DET
ajbmeb-1250	119	2	study	study	NOUN
ajbmeb-1250	119	3	use	use	VERB
ajbmeb-1250	119	4	return	return	NOUN
ajbmeb-1250	119	5	on	on	ADP
ajbmeb-1250	119	6	equity	equity	NOUN
ajbmeb-1250	119	7	to	to	PART
ajbmeb-1250	119	8	capture	capture	VERB
ajbmeb-1250	119	9	bank	bank	NOUN
ajbmeb-1250	119	10	performance	performance	NOUN
ajbmeb-1250	119	11	and	and	CCONJ
ajbmeb-1250	119	12	stability	stability	NOUN
ajbmeb-1250	119	13	and	and	CCONJ
ajbmeb-1250	119	14	the	the	DET
ajbmeb-1250	119	15	estimation	estimation	NOUN
ajbmeb-1250	119	16	results	result	NOUN
ajbmeb-1250	119	17	shows	show	VERB
ajbmeb-1250	119	18	a	a	DET
ajbmeb-1250	119	19	positive	positive	ADJ
ajbmeb-1250	119	20	relationship	relationship	NOUN
ajbmeb-1250	119	21	supporting	support	VERB
ajbmeb-1250	119	22	the	the	DET
ajbmeb-1250	119	23	evidence	evidence	NOUN
ajbmeb-1250	119	24	that	that	SCONJ
ajbmeb-1250	119	25	capital	capital	NOUN
ajbmeb-1250	119	26	regulation	regulation	NOUN
ajbmeb-1250	119	27	improves	improve	VERB
ajbmeb-1250	119	28	the	the	DET
ajbmeb-1250	119	29	overall	overall	ADJ
ajbmeb-1250	119	30	financial	financial	ADJ
ajbmeb-1250	119	31	stability	stability	NOUN
ajbmeb-1250	119	32	and	and	CCONJ
ajbmeb-1250	119	33	performance	performance	NOUN
ajbmeb-1250	119	34	of	of	ADP
ajbmeb-1250	119	35	banks	bank	NOUN
ajbmeb-1250	119	36	.	.	PUNCT
ajbmeb-1250	120	1	findings	finding	NOUN
ajbmeb-1250	120	2	from	from	ADP
ajbmeb-1250	120	3	the	the	DET
ajbmeb-1250	120	4	study	study	NOUN
ajbmeb-1250	120	5	also	also	ADV
ajbmeb-1250	120	6	indicate	indicate	VERB
ajbmeb-1250	120	7	that	that	SCONJ
ajbmeb-1250	120	8	the	the	DET
ajbmeb-1250	120	9	panel	panel	NOUN
ajbmeb-1250	120	10	estimates	estimate	VERB
ajbmeb-1250	120	11	shows	show	VERB
ajbmeb-1250	120	12	significant	significant	ADJ
ajbmeb-1250	120	13	non	non	ADJ
ajbmeb-1250	120	14	-	-	ADJ
ajbmeb-1250	120	15	linear	linear	ADJ
ajbmeb-1250	120	16	effect	effect	NOUN
ajbmeb-1250	120	17	of	of	ADP
ajbmeb-1250	120	18	core	core	ADJ
ajbmeb-1250	120	19	capital	capital	NOUN
ajbmeb-1250	120	20	on	on	ADP
ajbmeb-1250	120	21	competition	competition	NOUN
ajbmeb-1250	120	22	.	.	PUNCT
ajbmeb-1250	121	1	the	the	DET
ajbmeb-1250	121	2	log	log	NOUN
ajbmeb-1250	121	3	of	of	ADP
ajbmeb-1250	121	4	core	core	NOUN
ajbmeb-1250	121	5	capital	capital	NOUN
ajbmeb-1250	121	6	is	be	AUX
ajbmeb-1250	121	7	positive	positive	ADJ
ajbmeb-1250	121	8	and	and	CCONJ
ajbmeb-1250	121	9	significant	significant	ADJ
ajbmeb-1250	121	10	while	while	SCONJ
ajbmeb-1250	121	11	squared	square	VERB
ajbmeb-1250	121	12	log	log	NOUN
ajbmeb-1250	121	13	of	of	ADP
ajbmeb-1250	121	14	core	core	NOUN
ajbmeb-1250	121	15	capital	capital	NOUN
ajbmeb-1250	121	16	is	be	AUX
ajbmeb-1250	121	17	negative	negative	ADJ
ajbmeb-1250	121	18	and	and	CCONJ
ajbmeb-1250	121	19	significant	significant	ADJ
ajbmeb-1250	121	20	.	.	PUNCT
ajbmeb-1250	122	1	this	this	PRON
ajbmeb-1250	122	2	however	however	ADV
ajbmeb-1250	122	3	means	mean	VERB
ajbmeb-1250	122	4	that	that	SCONJ
ajbmeb-1250	122	5	an	an	DET
ajbmeb-1250	122	6	increase	increase	NOUN
ajbmeb-1250	122	7	in	in	ADP
ajbmeb-1250	122	8	core	core	NOUN
ajbmeb-1250	122	9	capital	capital	NOUN
ajbmeb-1250	122	10	reduces	reduce	VERB
ajbmeb-1250	122	11	completion	completion	NOUN
ajbmeb-1250	122	12	up	up	ADP
ajbmeb-1250	122	13	to	to	ADP
ajbmeb-1250	122	14	a	a	DET
ajbmeb-1250	122	15	point	point	NOUN
ajbmeb-1250	122	16	and	and	CCONJ
ajbmeb-1250	122	17	then	then	ADV
ajbmeb-1250	122	18	increases	increase	VERB
ajbmeb-1250	122	19	competition	competition	NOUN
ajbmeb-1250	122	20	indicating	indicate	VERB
ajbmeb-1250	122	21	that	that	SCONJ
ajbmeb-1250	122	22	the	the	DET
ajbmeb-1250	122	23	benefits	benefit	NOUN
ajbmeb-1250	122	24	of	of	ADP
ajbmeb-1250	122	25	increasing	increase	VERB
ajbmeb-1250	122	26	capital	capital	NOUN
ajbmeb-1250	122	27	requirements	requirement	NOUN
ajbmeb-1250	122	28	on	on	ADP
ajbmeb-1250	122	29	competitiveness	competitiveness	NOUN
ajbmeb-1250	122	30	will	will	AUX
ajbmeb-1250	122	31	yield	yield	VERB
ajbmeb-1250	122	32	benefits	benefit	NOUN
ajbmeb-1250	122	33	once	once	SCONJ
ajbmeb-1250	122	34	banking	banking	NOUN
ajbmeb-1250	122	35	sector	sector	NOUN
ajbmeb-1250	122	36	consolidation	consolidation	NOUN
ajbmeb-1250	122	37	start	start	VERB
ajbmeb-1250	122	38	.	.	PUNCT
ajbmeb-1250	123	1	okofor	okofor	PROPN
ajbmeb-1250	123	2	.	.	PUNCT
ajbmeb-1250	123	3	,	,	PUNCT
ajbmeb-1250	123	4	ikechukwu	ikechukwu	NOUN
ajbmeb-1250	123	5	and	and	CCONJ
ajbmeb-1250	123	6	adebimpe	adebimpe	NOUN
ajbmeb-1250	123	7	(	(	PUNCT
ajbmeb-1250	123	8	2020	2020	NUM
ajbmeb-1250	123	9	)	)	PUNCT
ajbmeb-1250	123	10	,	,	PUNCT
ajbmeb-1250	123	11	study	study	VERB
ajbmeb-1250	123	12	the	the	DET
ajbmeb-1250	123	13	effect	effect	NOUN
ajbmeb-1250	123	14	of	of	ADP
ajbmeb-1250	123	15	capital	capital	NOUN
ajbmeb-1250	123	16	adequacy	adequacy	NOUN
ajbmeb-1250	123	17	on	on	ADP
ajbmeb-1250	123	18	banks	bank	NOUN
ajbmeb-1250	123	19	performance	performance	NOUN
ajbmeb-1250	123	20	.	.	PUNCT
ajbmeb-1250	124	1	the	the	DET
ajbmeb-1250	124	2	empirical	empirical	ADJ
ajbmeb-1250	124	3	study	study	NOUN
ajbmeb-1250	124	4	analyses	analyse	VERB
ajbmeb-1250	124	5	the	the	DET
ajbmeb-1250	124	6	impact	impact	NOUN
ajbmeb-1250	124	7	of	of	ADP
ajbmeb-1250	124	8	banks	bank	NOUN
ajbmeb-1250	124	9	capital	capital	NOUN
ajbmeb-1250	124	10	adequacy	adequacy	NOUN
ajbmeb-1250	124	11	on	on	ADP
ajbmeb-1250	124	12	earnings	earning	NOUN
ajbmeb-1250	124	13	and	and	CCONJ
ajbmeb-1250	124	14	profitability	profitability	NOUN
ajbmeb-1250	124	15	of	of	ADP
ajbmeb-1250	124	16	banks	bank	NOUN
ajbmeb-1250	124	17	in	in	ADP
ajbmeb-1250	124	18	nigeria	nigeria	PROPN
ajbmeb-1250	124	19	using	use	VERB
ajbmeb-1250	124	20	panel	panel	NOUN
ajbmeb-1250	124	21	data	datum	NOUN
ajbmeb-1250	124	22	of	of	ADP
ajbmeb-1250	124	23	sample	sample	NOUN
ajbmeb-1250	124	24	10	10	NUM
ajbmeb-1250	124	25	strong	strong	ADJ
ajbmeb-1250	124	26	and	and	CCONJ
ajbmeb-1250	124	27	10	10	NUM
ajbmeb-1250	124	28	weak	weak	ADJ
ajbmeb-1250	124	29	banks	bank	NOUN
ajbmeb-1250	124	30	between	between	ADP
ajbmeb-1250	124	31	20102013	20102013	NUM
ajbmeb-1250	124	32	periods	period	NOUN
ajbmeb-1250	124	33	.	.	PUNCT
ajbmeb-1250	125	1	the	the	DET
ajbmeb-1250	125	2	study	study	NOUN
ajbmeb-1250	125	3	uses	use	VERB
ajbmeb-1250	125	4	least	least	ADJ
ajbmeb-1250	125	5	square	square	ADJ
ajbmeb-1250	125	6	dummy	dummy	ADJ
ajbmeb-1250	125	7	variables	variable	NOUN
ajbmeb-1250	125	8	(	(	PUNCT
ajbmeb-1250	125	9	lsdv	lsdv	NOUN
ajbmeb-1250	125	10	)	)	PUNCT
ajbmeb-1250	125	11	model	model	NOUN
ajbmeb-1250	125	12	to	to	PART
ajbmeb-1250	125	13	estimates	estimate	VERB
ajbmeb-1250	125	14	the	the	DET
ajbmeb-1250	125	15	variables	variable	NOUN
ajbmeb-1250	125	16	.	.	PUNCT
ajbmeb-1250	126	1	findings	finding	NOUN
ajbmeb-1250	126	2	show	show	VERB
ajbmeb-1250	126	3	that	that	SCONJ
ajbmeb-1250	126	4	bank	bank	NOUN
ajbmeb-1250	126	5	earnings	earning	NOUN
ajbmeb-1250	126	6	is	be	AUX
ajbmeb-1250	126	7	invariants	invariant	NOUN
ajbmeb-1250	126	8	to	to	ADP
ajbmeb-1250	126	9	factors	factor	NOUN
ajbmeb-1250	126	10	such	such	ADJ
ajbmeb-1250	126	11	as	as	ADP
ajbmeb-1250	126	12	bank	bank	NOUN
ajbmeb-1250	126	13	assets	asset	NOUN
ajbmeb-1250	126	14	and	and	CCONJ
ajbmeb-1250	126	15	bank	bank	NOUN
ajbmeb-1250	126	16	size	size	NOUN
ajbmeb-1250	126	17	but	but	CCONJ
ajbmeb-1250	126	18	highly	highly	ADV
ajbmeb-1250	126	19	driven	drive	VERB
ajbmeb-1250	126	20	by	by	ADP
ajbmeb-1250	126	21	liquidity	liquidity	NOUN
ajbmeb-1250	126	22	and	and	CCONJ
ajbmeb-1250	126	23	capital	capital	NOUN
ajbmeb-1250	126	24	adequacy	adequacy	NOUN
ajbmeb-1250	126	25	.	.	PUNCT
ajbmeb-1250	127	1	they	they	PRON
ajbmeb-1250	127	2	recommended	recommend	VERB
ajbmeb-1250	127	3	that	that	SCONJ
ajbmeb-1250	127	4	the	the	DET
ajbmeb-1250	127	5	consolidation	consolidation	NOUN
ajbmeb-1250	127	6	of	of	ADP
ajbmeb-1250	127	7	bank	bank	NOUN
ajbmeb-1250	127	8	’s	’s	PART
ajbmeb-1250	127	9	capital	capital	NOUN
ajbmeb-1250	127	10	base	base	NOUN
ajbmeb-1250	127	11	was	be	AUX
ajbmeb-1250	127	12	right	right	ADJ
ajbmeb-1250	127	13	and	and	CCONJ
ajbmeb-1250	127	14	suggest	suggest	VERB
ajbmeb-1250	127	15	more	more	ADV
ajbmeb-1250	127	16	robust	robust	ADJ
ajbmeb-1250	127	17	and	and	CCONJ
ajbmeb-1250	127	18	strategic	strategic	ADJ
ajbmeb-1250	127	19	regulatory	regulatory	ADJ
ajbmeb-1250	127	20	framework	framework	NOUN
ajbmeb-1250	127	21	in	in	ADP
ajbmeb-1250	127	22	the	the	DET
ajbmeb-1250	127	23	effective	effective	ADJ
ajbmeb-1250	127	24	management	management	NOUN
ajbmeb-1250	127	25	of	of	ADP
ajbmeb-1250	127	26	liquidity	liquidity	NOUN
ajbmeb-1250	127	27	and	and	CCONJ
ajbmeb-1250	127	28	bank	bank	NOUN
ajbmeb-1250	127	29	capital	capital	NOUN
ajbmeb-1250	127	30	base	base	NOUN
ajbmeb-1250	127	31	to	to	PART
ajbmeb-1250	127	32	share	share	VERB
ajbmeb-1250	127	33	-	-	PUNCT
ajbmeb-1250	127	34	up	up	ADP
ajbmeb-1250	127	35	bank	bank	NOUN
ajbmeb-1250	127	36	performance	performance	NOUN
ajbmeb-1250	127	37	in	in	ADP
ajbmeb-1250	127	38	nigeria	nigeria	PROPN
ajbmeb-1250	127	39	.	.	PUNCT
ajbmeb-1250	128	1	hieffeman	hieffeman	PROPN
ajbmeb-1250	128	2	and	and	CCONJ
ajbmeb-1250	128	3	fu	fu	PROPN
ajbmeb-1250	128	4	(	(	PUNCT
ajbmeb-1250	128	5	2022	2022	NUM
ajbmeb-1250	128	6	)	)	PUNCT
ajbmeb-1250	128	7	,	,	PUNCT
ajbmeb-1250	128	8	investigate	investigate	VERB
ajbmeb-1250	128	9	the	the	DET
ajbmeb-1250	128	10	impact	impact	NOUN
ajbmeb-1250	128	11	of	of	ADP
ajbmeb-1250	128	12	capital	capital	NOUN
ajbmeb-1250	128	13	adequacy	adequacy	NOUN
ajbmeb-1250	128	14	requirements	requirement	NOUN
ajbmeb-1250	128	15	on	on	ADP
ajbmeb-1250	128	16	performance	performance	NOUN
ajbmeb-1250	128	17	of	of	ADP
ajbmeb-1250	128	18	scheduled	schedule	VERB
ajbmeb-1250	128	19	commercial	commercial	ADJ
ajbmeb-1250	128	20	banks	bank	NOUN
ajbmeb-1250	128	21	.	.	PUNCT
ajbmeb-1250	129	1	the	the	DET
ajbmeb-1250	129	2	study	study	NOUN
ajbmeb-1250	129	3	compares	compare	VERB
ajbmeb-1250	129	4	the	the	DET
ajbmeb-1250	129	5	performance	performance	NOUN
ajbmeb-1250	129	6	measured	measure	VERB
ajbmeb-1250	129	7	in	in	ADP
ajbmeb-1250	129	8	terms	term	NOUN
ajbmeb-1250	129	9	of	of	ADP
ajbmeb-1250	129	10	return	return	NOUN
ajbmeb-1250	129	11	on	on	ADP
ajbmeb-1250	129	12	assets	asset	NOUN
ajbmeb-1250	129	13	(	(	PUNCT
ajbmeb-1250	129	14	roa	roa	NOUN
ajbmeb-1250	129	15	)	)	PUNCT
ajbmeb-1250	129	16	of	of	ADP
ajbmeb-1250	129	17	public	public	ADJ
ajbmeb-1250	129	18	sector	sector	NOUN
ajbmeb-1250	129	19	banks	bank	NOUN
ajbmeb-1250	129	20	and	and	CCONJ
ajbmeb-1250	129	21	indian	indian	ADJ
ajbmeb-1250	129	22	private	private	ADJ
ajbmeb-1250	129	23	banks	bank	NOUN
ajbmeb-1250	129	24	with	with	ADP
ajbmeb-1250	129	25	foreign	foreign	ADJ
ajbmeb-1250	129	26	banks	bank	NOUN
ajbmeb-1250	129	27	operating	operate	VERB
ajbmeb-1250	129	28	in	in	ADP
ajbmeb-1250	129	29	india	india	PROPN
ajbmeb-1250	129	30	and	and	CCONJ
ajbmeb-1250	129	31	capital	capital	NOUN
ajbmeb-1250	129	32	of	of	ADP
ajbmeb-1250	129	33	risk	risk	NOUN
ajbmeb-1250	129	34	weighted	weight	VERB
ajbmeb-1250	129	35	assets	asset	NOUN
ajbmeb-1250	129	36	ratio	ratio	NOUN
ajbmeb-1250	129	37	(	(	PUNCT
ajbmeb-1250	129	38	crar	crar	PROPN
ajbmeb-1250	129	39	)	)	PUNCT
ajbmeb-1250	129	40	,	,	PUNCT
ajbmeb-1250	129	41	non	non	ADJ
ajbmeb-1250	129	42	-	-	ADJ
ajbmeb-1250	129	43	interest	interest	ADJ
ajbmeb-1250	129	44	income	income	NOUN
ajbmeb-1250	129	45	(	(	PUNCT
ajbmeb-1250	129	46	nii	nii	PROPN
ajbmeb-1250	129	47	)	)	PUNCT
ajbmeb-1250	129	48	and	and	CCONJ
ajbmeb-1250	129	49	net	net	ADJ
ajbmeb-1250	129	50	interest	interest	NOUN
ajbmeb-1250	129	51	margin	margin	NOUN
ajbmeb-1250	129	52	(	(	PUNCT
ajbmeb-1250	129	53	nim	nim	NOUN
ajbmeb-1250	129	54	)	)	PUNCT
ajbmeb-1250	129	55	.	.	PUNCT
ajbmeb-1250	130	1	the	the	DET
ajbmeb-1250	130	2	study	study	NOUN
ajbmeb-1250	130	3	scope	scope	NOUN
ajbmeb-1250	130	4	is	be	AUX
ajbmeb-1250	130	5	on	on	ADP
ajbmeb-1250	130	6	schedule	schedule	NOUN
ajbmeb-1250	130	7	commercial	commercial	ADJ
ajbmeb-1250	130	8	banks	bank	NOUN
ajbmeb-1250	130	9	in	in	ADP
ajbmeb-1250	130	10	india	india	PROPN
ajbmeb-1250	130	11	(	(	PUNCT
ajbmeb-1250	130	12	excluding	exclude	VERB
ajbmeb-1250	130	13	regional	regional	ADJ
ajbmeb-1250	130	14	rural	rural	ADJ
ajbmeb-1250	130	15	banks	bank	NOUN
ajbmeb-1250	130	16	)	)	PUNCT
ajbmeb-1250	130	17	over	over	ADP
ajbmeb-1250	130	18	the	the	DET
ajbmeb-1250	130	19	period	period	NOUN
ajbmeb-1250	130	20	1997	1997	NUM
ajbmeb-1250	130	21	-	-	SYM
ajbmeb-1250	130	22	2007	2007	NUM
ajbmeb-1250	130	23	.	.	PUNCT
ajbmeb-1250	131	1	using	use	VERB
ajbmeb-1250	131	2	the	the	DET
ajbmeb-1250	131	3	least	least	ADJ
ajbmeb-1250	131	4	square	square	ADJ
ajbmeb-1250	131	5	dummy	dummy	ADJ
ajbmeb-1250	131	6	variable	variable	NOUN
ajbmeb-1250	131	7	(	(	PUNCT
ajbmeb-1250	131	8	lsdv	lsdv	NOUN
ajbmeb-1250	131	9	)	)	PUNCT
ajbmeb-1250	131	10	model	model	NOUN
ajbmeb-1250	131	11	,	,	PUNCT
ajbmeb-1250	131	12	findings	finding	NOUN
ajbmeb-1250	131	13	indicate	indicate	VERB
ajbmeb-1250	131	14	that	that	SCONJ
ajbmeb-1250	131	15	capital	capital	NOUN
ajbmeb-1250	131	16	adequacy	adequacy	NOUN
ajbmeb-1250	131	17	ratio	ratio	NOUN
ajbmeb-1250	131	18	increases	increase	VERB
ajbmeb-1250	131	19	the	the	DET
ajbmeb-1250	131	20	profitability	profitability	NOUN
ajbmeb-1250	131	21	of	of	ADP
ajbmeb-1250	131	22	scheduled	schedule	VERB
ajbmeb-1250	131	23	commercial	commercial	ADJ
ajbmeb-1250	131	24	banks	bank	NOUN
ajbmeb-1250	131	25	in	in	ADP
ajbmeb-1250	131	26	india	india	PROPN
ajbmeb-1250	131	27	.	.	PUNCT
ajbmeb-1250	132	1	this	this	DET
ajbmeb-1250	132	2	support	support	VERB
ajbmeb-1250	132	3	other	other	ADJ
ajbmeb-1250	132	4	studies	study	NOUN
ajbmeb-1250	132	5	findings	finding	NOUN
ajbmeb-1250	132	6	that	that	SCONJ
ajbmeb-1250	132	7	adequate	adequate	ADJ
ajbmeb-1250	132	8	capitalized	capitalize	VERB
ajbmeb-1250	132	9	banks	bank	NOUN
ajbmeb-1250	132	10	face	face	VERB
ajbmeb-1250	132	11	low	low	ADJ
ajbmeb-1250	132	12	cost	cost	NOUN
ajbmeb-1250	132	13	of	of	ADP
ajbmeb-1250	132	14	going	go	VERB
ajbmeb-1250	132	15	bankruptcy	bankruptcy	NOUN
ajbmeb-1250	132	16	.	.	PUNCT
ajbmeb-1250	133	1	the	the	DET
ajbmeb-1250	133	2	findings	finding	NOUN
ajbmeb-1250	133	3	also	also	ADV
ajbmeb-1250	133	4	suggest	suggest	VERB
ajbmeb-1250	133	5	that	that	SCONJ
ajbmeb-1250	133	6	in	in	ADP
ajbmeb-1250	133	7	a	a	DET
ajbmeb-1250	133	8	market	market	NOUN
ajbmeb-1250	133	9	driven	drive	VERB
ajbmeb-1250	133	10	economy	economy	NOUN
ajbmeb-1250	133	11	,	,	PUNCT
ajbmeb-1250	133	12	the	the	DET
ajbmeb-1250	133	13	studied	study	VERB
ajbmeb-1250	133	14	commercial	commercial	ADJ
ajbmeb-1250	133	15	banks	bank	NOUN
ajbmeb-1250	133	16	net	net	ADJ
ajbmeb-1250	133	17	interest	interest	NOUN
ajbmeb-1250	133	18	margin	margin	NOUN
ajbmeb-1250	133	19	is	be	AUX
ajbmeb-1250	133	20	under	under	ADP
ajbmeb-1250	133	21	pressure	pressure	NOUN
ajbmeb-1250	133	22	and	and	CCONJ
ajbmeb-1250	133	23	have	have	VERB
ajbmeb-1250	133	24	to	to	PART
ajbmeb-1250	133	25	devise	devise	VERB
ajbmeb-1250	133	26	other	other	ADJ
ajbmeb-1250	133	27	sources	source	NOUN
ajbmeb-1250	133	28	of	of	ADP
ajbmeb-1250	133	29	income	income	NOUN
ajbmeb-1250	133	30	to	to	PART
ajbmeb-1250	133	31	remain	remain	VERB
ajbmeb-1250	133	32	relevant	relevant	ADJ
ajbmeb-1250	133	33	in	in	ADP
ajbmeb-1250	133	34	the	the	DET
ajbmeb-1250	133	35	market	market	NOUN
ajbmeb-1250	133	36	.	.	PUNCT
ajbmeb-1250	134	1	the	the	DET
ajbmeb-1250	134	2	study	study	NOUN
ajbmeb-1250	134	3	recommends	recommend	VERB
ajbmeb-1250	134	4	that	that	SCONJ
ajbmeb-1250	134	5	banks	bank	NOUN
ajbmeb-1250	134	6	should	should	AUX
ajbmeb-1250	134	7	enhance	enhance	VERB
ajbmeb-1250	134	8	customer	customer	NOUN
ajbmeb-1250	134	9	’s	’s	PART
ajbmeb-1250	134	10	confidence	confidence	NOUN
ajbmeb-1250	134	11	by	by	ADP
ajbmeb-1250	134	12	maintaining	maintain	VERB
ajbmeb-1250	134	13	(	(	PUNCT
ajbmeb-1250	134	14	retaining	retain	VERB
ajbmeb-1250	134	15	)	)	PUNCT
ajbmeb-1250	134	16	and	and	CCONJ
ajbmeb-1250	134	17	increasing	increase	VERB
ajbmeb-1250	134	18	the	the	DET
ajbmeb-1250	134	19	capital	capital	NOUN
ajbmeb-1250	134	20	risk	risk	NOUN
ajbmeb-1250	134	21	weighted	weight	VERB
ajbmeb-1250	134	22	assets	asset	NOUN
ajbmeb-1250	134	23	ratio	ratio	NOUN
ajbmeb-1250	134	24	(	(	PUNCT
ajbmeb-1250	134	25	crar	crar	PROPN
ajbmeb-1250	134	26	)	)	PUNCT
ajbmeb-1250	134	27	to	to	ADP
ajbmeb-1250	134	28	the	the	DET
ajbmeb-1250	134	29	minimum	minimum	NOUN
ajbmeb-1250	134	30	of	of	ADP
ajbmeb-1250	134	31	9	9	NUM
ajbmeb-1250	134	32	percent	percent	NOUN
ajbmeb-1250	134	33	as	as	SCONJ
ajbmeb-1250	134	34	prescribed	prescribe	VERB
ajbmeb-1250	134	35	by	by	ADP
ajbmeb-1250	134	36	rbi	rbi	PROPN
ajbmeb-1250	134	37	.	.	PUNCT
ajbmeb-1250	135	1	this	this	PRON
ajbmeb-1250	135	2	is	be	AUX
ajbmeb-1250	135	3	because	because	SCONJ
ajbmeb-1250	135	4	maintaining	maintain	VERB
ajbmeb-1250	135	5	adequacy	adequacy	NOUN
ajbmeb-1250	135	6	level	level	NOUN
ajbmeb-1250	135	7	of	of	ADP
ajbmeb-1250	135	8	crar	crar	NOUN
ajbmeb-1250	135	9	reduces	reduce	VERB
ajbmeb-1250	135	10	the	the	DET
ajbmeb-1250	135	11	risk	risk	NOUN
ajbmeb-1250	135	12	of	of	ADP
ajbmeb-1250	135	13	depositors	depositor	NOUN
ajbmeb-1250	135	14	.	.	PUNCT
ajbmeb-1250	136	1	this	this	DET
ajbmeb-1250	136	2	study	study	NOUN
ajbmeb-1250	136	3	seeks	seek	VERB
ajbmeb-1250	136	4	to	to	PART
ajbmeb-1250	136	5	offer	offer	VERB
ajbmeb-1250	136	6	answer	answer	VERB
ajbmeb-1250	136	7	to	to	PART
ajbmeb-1250	136	8	question	question	NOUN
ajbmeb-1250	136	9	about	about	ADP
ajbmeb-1250	136	10	liquidity	liquidity	NOUN
ajbmeb-1250	136	11	management	management	NOUN
ajbmeb-1250	136	12	and	and	CCONJ
ajbmeb-1250	136	13	n	n	PRON
ajbmeb-1250	136	14	performance	performance	NOUN
ajbmeb-1250	136	15	specifically	specifically	ADV
ajbmeb-1250	136	16	,	,	PUNCT
ajbmeb-1250	136	17	the	the	DET
ajbmeb-1250	136	18	study	study	NOUN
ajbmeb-1250	136	19	to	to	PART
ajbmeb-1250	136	20	seek	seek	VERB
ajbmeb-1250	136	21	to	to	PART
ajbmeb-1250	136	22	provide	provide	VERB
ajbmeb-1250	136	23	answers	answer	NOUN
ajbmeb-1250	136	24	to	to	ADP
ajbmeb-1250	136	25	the	the	DET
ajbmeb-1250	136	26	following	follow	VERB
ajbmeb-1250	136	27	research	research	NOUN
ajbmeb-1250	136	28	question	question	NOUN
ajbmeb-1250	136	29	.	.	PUNCT
ajbmeb-1250	137	1	american	american	ADJ
ajbmeb-1250	137	2	journal	journal	PROPN
ajbmeb-1250	137	3	of	of	ADP
ajbmeb-1250	137	4	business	business	NOUN
ajbmeb-1250	137	5	management	management	NOUN
ajbmeb-1250	137	6	,	,	PUNCT
ajbmeb-1250	137	7	economics	economic	NOUN
ajbmeb-1250	137	8	and	and	CCONJ
ajbmeb-1250	137	9	banking	banking	NOUN
ajbmeb-1250	137	10	volume	volume	NOUN
ajbmeb-1250	137	11	16	16	NUM
ajbmeb-1250	137	12	sep	sep	PROPN
ajbmeb-1250	137	13	,	,	PUNCT
ajbmeb-1250	137	14	2023	2023	NUM
ajbmeb-1250	137	15	p	p	NOUN
ajbmeb-1250	137	16	a	a	DET
ajbmeb-1250	137	17	g	g	NOUN
ajbmeb-1250	137	18	e	e	NOUN
ajbmeb-1250	137	19	|	|	ADV
ajbmeb-1250	137	20	218	218	NUM
ajbmeb-1250	137	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	137	22	rq1	rq1	NOUN
ajbmeb-1250	137	23	:	:	PUNCT
ajbmeb-1250	137	24	what	what	PRON
ajbmeb-1250	137	25	is	be	AUX
ajbmeb-1250	137	26	the	the	DET
ajbmeb-1250	137	27	nature	nature	NOUN
ajbmeb-1250	137	28	of	of	ADP
ajbmeb-1250	137	29	relationship	relationship	NOUN
ajbmeb-1250	137	30	between	between	ADP
ajbmeb-1250	137	31	liquidity	liquidity	NOUN
ajbmeb-1250	137	32	management	management	NOUN
ajbmeb-1250	137	33	and	and	CCONJ
ajbmeb-1250	137	34	return	return	VERB
ajbmeb-1250	137	35	on	on	ADP
ajbmeb-1250	137	36	equity	equity	NOUN
ajbmeb-1250	137	37	of	of	ADP
ajbmeb-1250	137	38	listed	list	VERB
ajbmeb-1250	137	39	deposit	deposit	NOUN
ajbmeb-1250	137	40	money	money	NOUN
ajbmeb-1250	137	41	banks	bank	NOUN
ajbmeb-1250	137	42	in	in	ADP
ajbmeb-1250	137	43	nigeria	nigeria	PROPN
ajbmeb-1250	137	44	?	?	PUNCT
ajbmeb-1250	138	1	the	the	DET
ajbmeb-1250	138	2	above	above	ADJ
ajbmeb-1250	138	3	research	research	NOUN
ajbmeb-1250	138	4	question	question	NOUN
ajbmeb-1250	138	5	land	land	NOUN
ajbmeb-1250	138	6	to	to	ADP
ajbmeb-1250	138	7	the	the	DET
ajbmeb-1250	138	8	following	follow	VERB
ajbmeb-1250	138	9	hypothesis	hypothesis	NOUN
ajbmeb-1250	138	10	.	.	PUNCT
ajbmeb-1250	139	1	h01	h01	NOUN
ajbmeb-1250	139	2	:	:	PUNCT
ajbmeb-1250	139	3	there	there	PRON
ajbmeb-1250	139	4	is	be	VERB
ajbmeb-1250	139	5	no	no	DET
ajbmeb-1250	139	6	significant	significant	ADJ
ajbmeb-1250	139	7	relationship	relationship	NOUN
ajbmeb-1250	139	8	between	between	ADP
ajbmeb-1250	139	9	liquidity	liquidity	NOUN
ajbmeb-1250	139	10	management	management	NOUN
ajbmeb-1250	139	11	and	and	CCONJ
ajbmeb-1250	139	12	return	return	VERB
ajbmeb-1250	139	13	on	on	ADP
ajbmeb-1250	139	14	equity	equity	NOUN
ajbmeb-1250	139	15	of	of	ADP
ajbmeb-1250	139	16	listed	list	VERB
ajbmeb-1250	139	17	deposit	deposit	NOUN
ajbmeb-1250	139	18	money	money	NOUN
ajbmeb-1250	139	19	banks	bank	NOUN
ajbmeb-1250	139	20	in	in	ADP
ajbmeb-1250	139	21	nigeria	nigeria	PROPN
ajbmeb-1250	139	22	.	.	PUNCT
ajbmeb-1250	140	1	methodological	methodological	ADJ
ajbmeb-1250	140	2	analysis	analysis	NOUN
ajbmeb-1250	140	3	the	the	DET
ajbmeb-1250	140	4	research	research	NOUN
ajbmeb-1250	140	5	design	design	NOUN
ajbmeb-1250	140	6	applied	apply	VERB
ajbmeb-1250	140	7	is	be	AUX
ajbmeb-1250	140	8	causal	causal	ADJ
ajbmeb-1250	140	9	comparative	comparative	ADJ
ajbmeb-1250	140	10	design	design	NOUN
ajbmeb-1250	140	11	which	which	PRON
ajbmeb-1250	140	12	attempts	attempt	VERB
ajbmeb-1250	140	13	to	to	PART
ajbmeb-1250	140	14	identify	identify	VERB
ajbmeb-1250	140	15	the	the	DET
ajbmeb-1250	140	16	cause	cause	NOUN
ajbmeb-1250	140	17	–	–	PUNCT
ajbmeb-1250	140	18	effect	effect	NOUN
ajbmeb-1250	140	19	relationship	relationship	NOUN
ajbmeb-1250	140	20	between	between	ADP
ajbmeb-1250	140	21	two	two	NUM
ajbmeb-1250	140	22	or	or	CCONJ
ajbmeb-1250	140	23	more	more	ADJ
ajbmeb-1250	140	24	variables	variable	NOUN
ajbmeb-1250	140	25	.	.	PUNCT
ajbmeb-1250	141	1	the	the	DET
ajbmeb-1250	141	2	study	study	NOUN
ajbmeb-1250	141	3	is	be	AUX
ajbmeb-1250	141	4	to	to	PART
ajbmeb-1250	141	5	explore	explore	VERB
ajbmeb-1250	141	6	the	the	DET
ajbmeb-1250	141	7	causal	causal	ADJ
ajbmeb-1250	141	8	relationship	relationship	NOUN
ajbmeb-1250	141	9	between	between	ADP
ajbmeb-1250	141	10	liquidity	liquidity	NOUN
ajbmeb-1250	141	11	management	management	NOUN
ajbmeb-1250	141	12	and	and	CCONJ
ajbmeb-1250	141	13	listed	list	VERB
ajbmeb-1250	141	14	deposit	deposit	NOUN
ajbmeb-1250	141	15	money	money	NOUN
ajbmeb-1250	141	16	banks	bank	NOUN
ajbmeb-1250	141	17	financial	financial	ADJ
ajbmeb-1250	141	18	performance	performance	NOUN
ajbmeb-1250	141	19	and	and	CCONJ
ajbmeb-1250	141	20	the	the	DET
ajbmeb-1250	141	21	study	study	NOUN
ajbmeb-1250	141	22	made	make	VERB
ajbmeb-1250	141	23	use	use	NOUN
ajbmeb-1250	141	24	of	of	ADP
ajbmeb-1250	141	25	panel	panel	NOUN
ajbmeb-1250	141	26	data	datum	NOUN
ajbmeb-1250	141	27	sourced	source	VERB
ajbmeb-1250	141	28	from	from	ADP
ajbmeb-1250	141	29	the	the	DET
ajbmeb-1250	141	30	annual	annual	ADJ
ajbmeb-1250	141	31	reports	report	NOUN
ajbmeb-1250	141	32	of	of	ADP
ajbmeb-1250	141	33	the	the	DET
ajbmeb-1250	141	34	8	8	NUM
ajbmeb-1250	141	35	listed	list	VERB
ajbmeb-1250	141	36	deposit	deposit	NOUN
ajbmeb-1250	141	37	money	money	NOUN
ajbmeb-1250	141	38	banks	bank	NOUN
ajbmeb-1250	141	39	in	in	ADP
ajbmeb-1250	141	40	the	the	DET
ajbmeb-1250	141	41	nigerian	nigerian	ADJ
ajbmeb-1250	141	42	exchange	exchange	NOUN
ajbmeb-1250	141	43	group	group	NOUN
ajbmeb-1250	141	44	(	(	PUNCT
ajbmeb-1250	141	45	nxg	nxg	PROPN
ajbmeb-1250	141	46	)	)	PUNCT
ajbmeb-1250	141	47	over	over	ADP
ajbmeb-1250	141	48	the	the	DET
ajbmeb-1250	141	49	period	period	NOUN
ajbmeb-1250	141	50	of	of	ADP
ajbmeb-1250	141	51	2010	2010	NUM
ajbmeb-1250	141	52	-	-	SYM
ajbmeb-1250	141	53	2020	2020	NUM
ajbmeb-1250	141	54	.	.	PUNCT
ajbmeb-1250	142	1	model	model	NOUN
ajbmeb-1250	142	2	specification	specification	PROPN
ajbmeb-1250	142	3	the	the	DET
ajbmeb-1250	142	4	model	model	NOUN
ajbmeb-1250	142	5	specification	specification	NOUN
ajbmeb-1250	142	6	in	in	ADP
ajbmeb-1250	142	7	this	this	DET
ajbmeb-1250	142	8	study	study	NOUN
ajbmeb-1250	142	9	is	be	AUX
ajbmeb-1250	142	10	this	this	DET
ajbmeb-1250	142	11	study	study	NOUN
ajbmeb-1250	142	12	based	base	VERB
ajbmeb-1250	142	13	empirical	empirical	ADJ
ajbmeb-1250	142	14	study	study	NOUN
ajbmeb-1250	142	15	on	on	ADP
ajbmeb-1250	142	16	the	the	DET
ajbmeb-1250	142	17	relationship	relationship	NOUN
ajbmeb-1250	142	18	between	between	ADP
ajbmeb-1250	142	19	liquidity	liquidity	NOUN
ajbmeb-1250	142	20	management	management	NOUN
ajbmeb-1250	142	21	and	and	CCONJ
ajbmeb-1250	142	22	listed	list	VERB
ajbmeb-1250	142	23	deposit	deposit	NOUN
ajbmeb-1250	142	24	money	money	NOUN
ajbmeb-1250	142	25	banks	bank	NOUN
ajbmeb-1250	142	26	financial	financial	ADJ
ajbmeb-1250	142	27	performance	performance	NOUN
ajbmeb-1250	142	28	.	.	PUNCT
ajbmeb-1250	143	1	consequently	consequently	ADV
ajbmeb-1250	143	2	,	,	PUNCT
ajbmeb-1250	143	3	the	the	DET
ajbmeb-1250	143	4	model	model	NOUN
ajbmeb-1250	143	5	specifications	specification	NOUN
ajbmeb-1250	143	6	were	be	AUX
ajbmeb-1250	143	7	formulated	formulate	VERB
ajbmeb-1250	143	8	in	in	ADP
ajbmeb-1250	143	9	the	the	DET
ajbmeb-1250	143	10	following	follow	VERB
ajbmeb-1250	143	11	functional	functional	ADJ
ajbmeb-1250	143	12	forms	form	NOUN
ajbmeb-1250	143	13	as	as	ADP
ajbmeb-1250	143	14	:	:	PUNCT
ajbmeb-1250	143	15	roeit	roeit	NOUN
ajbmeb-1250	143	16	=	=	SYM
ajbmeb-1250	143	17	ƒ(lqmit	ƒ(lqmit	NOUN
ajbmeb-1250	143	18	)	)	PUNCT
ajbmeb-1250	143	19	(	(	PUNCT
ajbmeb-1250	143	20	i	i	NOUN
ajbmeb-1250	143	21	)	)	PUNCT
ajbmeb-1250	143	22	expanding	expand	VERB
ajbmeb-1250	143	23	into	into	ADP
ajbmeb-1250	143	24	the	the	DET
ajbmeb-1250	143	25	mathematical	mathematical	ADJ
ajbmeb-1250	143	26	model	model	NOUN
ajbmeb-1250	143	27	as	as	SCONJ
ajbmeb-1250	143	28	follows	follow	VERB
ajbmeb-1250	143	29	:	:	PUNCT
ajbmeb-1250	143	30	roeit	roeit	NOUN
ajbmeb-1250	143	31	=	=	PUNCT
ajbmeb-1250	143	32	βoit	βoit	NOUN
ajbmeb-1250	143	33	+	+	CCONJ
ajbmeb-1250	143	34	β1	β1	NOUN
ajbmeb-1250	143	35	lqmit	lqmit	NOUN
ajbmeb-1250	143	36	(	(	PUNCT
ajbmeb-1250	143	37	ii	ii	NOUN
ajbmeb-1250	143	38	)	)	PUNCT
ajbmeb-1250	143	39	transforming	transform	VERB
ajbmeb-1250	143	40	equation	equation	NOUN
ajbmeb-1250	143	41	ii	ii	PROPN
ajbmeb-1250	143	42	to	to	PART
ajbmeb-1250	143	43	econometric	econometric	ADJ
ajbmeb-1250	143	44	model	model	NOUN
ajbmeb-1250	143	45	as	as	ADP
ajbmeb-1250	143	46	;	;	PUNCT
ajbmeb-1250	143	47	roeit	roeit	NOUN
ajbmeb-1250	143	48	=	=	SYM
ajbmeb-1250	143	49	λoit	λoit	X
ajbmeb-1250	143	50	+	+	CCONJ
ajbmeb-1250	143	51	λ1	λ1	ADJ
ajbmeb-1250	143	52	lqmit	lqmit	NOUN
ajbmeb-1250	143	53	+	+	CCONJ
ajbmeb-1250	143	54	μit	μit	NOUN
ajbmeb-1250	143	55	(	(	PUNCT
ajbmeb-1250	143	56	iii	iii	NOUN
ajbmeb-1250	143	57	)	)	PUNCT
ajbmeb-1250	144	1	where	where	SCONJ
ajbmeb-1250	144	2	:	:	PUNCT
ajbmeb-1250	144	3	roeit	roeit	NOUN
ajbmeb-1250	144	4	=	=	SYM
ajbmeb-1250	144	5	return	return	VERB
ajbmeb-1250	144	6	on	on	ADP
ajbmeb-1250	144	7	equity	equity	NOUN
ajbmeb-1250	144	8	within	within	ADP
ajbmeb-1250	144	9	the	the	DET
ajbmeb-1250	144	10	period	period	NOUN
ajbmeb-1250	144	11	of	of	ADP
ajbmeb-1250	144	12	study	study	NOUN
ajbmeb-1250	144	13	lqmit	lqmit	NOUN
ajbmeb-1250	144	14	=	=	PUNCT
ajbmeb-1250	144	15	liquidity	liquidity	NOUN
ajbmeb-1250	144	16	management	management	NOUN
ajbmeb-1250	144	17	within	within	ADP
ajbmeb-1250	144	18	the	the	DET
ajbmeb-1250	144	19	period	period	NOUN
ajbmeb-1250	144	20	of	of	ADP
ajbmeb-1250	144	21	study	study	NOUN
ajbmeb-1250	144	22	βoit	βoit	NOUN
ajbmeb-1250	144	23	,	,	PUNCT
ajbmeb-1250	144	24	λ1	λ1	PROPN
ajbmeb-1250	144	25	=	=	NOUN
ajbmeb-1250	144	26	coefficient	coefficient	NOUN
ajbmeb-1250	144	27	of	of	ADP
ajbmeb-1250	144	28	the	the	DET
ajbmeb-1250	144	29	independent	independent	ADJ
ajbmeb-1250	144	30	variable	variable	NOUN
ajbmeb-1250	144	31	to	to	ADP
ajbmeb-1250	144	32	the	the	DET
ajbmeb-1250	144	33	dependent	dependent	ADJ
ajbmeb-1250	144	34	variable	variable	NOUN
ajbmeb-1250	144	35	within	within	ADP
ajbmeb-1250	144	36	the	the	DET
ajbmeb-1250	144	37	period	period	NOUN
ajbmeb-1250	144	38	of	of	ADP
ajbmeb-1250	144	39	study	study	NOUN
ajbmeb-1250	144	40	.	.	PUNCT
ajbmeb-1250	145	1	μit	μit	NOUN
ajbmeb-1250	145	2	=	=	NOUN
ajbmeb-1250	145	3	error	error	NOUN
ajbmeb-1250	145	4	term	term	NOUN
ajbmeb-1250	145	5	within	within	ADP
ajbmeb-1250	145	6	the	the	DET
ajbmeb-1250	145	7	period	period	NOUN
ajbmeb-1250	145	8	of	of	ADP
ajbmeb-1250	145	9	study	study	NOUN
ajbmeb-1250	145	10	it	it	PRON
ajbmeb-1250	146	1	=	=	PUNCT
ajbmeb-1250	146	2	p	p	NOUN
ajbmeb-1250	146	3	within	within	ADP
ajbmeb-1250	146	4	the	the	DET
ajbmeb-1250	146	5	period	period	NOUN
ajbmeb-1250	146	6	of	of	ADP
ajbmeb-1250	146	7	study	study	NOUN
ajbmeb-1250	146	8	apriori	apriori	ADJ
ajbmeb-1250	146	9	expectation	expectation	NOUN
ajbmeb-1250	146	10	.	.	PUNCT
ajbmeb-1250	147	1	return	return	NOUN
ajbmeb-1250	147	2	on	on	ADP
ajbmeb-1250	147	3	equality	equality	NOUN
ajbmeb-1250	147	4	are	be	AUX
ajbmeb-1250	147	5	employed	employ	VERB
ajbmeb-1250	147	6	as	as	ADP
ajbmeb-1250	147	7	a	a	DET
ajbmeb-1250	147	8	proxy	proxy	NOUN
ajbmeb-1250	147	9	to	to	PART
ajbmeb-1250	147	10	measure	measure	VERB
ajbmeb-1250	147	11	the	the	DET
ajbmeb-1250	147	12	dependent	dependent	ADJ
ajbmeb-1250	147	13	variable	variable	NOUN
ajbmeb-1250	147	14	which	which	PRON
ajbmeb-1250	147	15	is	be	AUX
ajbmeb-1250	147	16	financial	financial	ADJ
ajbmeb-1250	147	17	performance	performance	NOUN
ajbmeb-1250	147	18	while	while	SCONJ
ajbmeb-1250	147	19	interacting	interact	VERB
ajbmeb-1250	147	20	with	with	ADP
ajbmeb-1250	147	21	the	the	DET
ajbmeb-1250	147	22	independent	independent	ADJ
ajbmeb-1250	147	23	variable	variable	ADJ
ajbmeb-1250	147	24	liquidity	liquidity	NOUN
ajbmeb-1250	147	25	management	management	NOUN
ajbmeb-1250	147	26	.	.	PUNCT
ajbmeb-1250	148	1	in	in	ADP
ajbmeb-1250	148	2	summary	summary	NOUN
ajbmeb-1250	148	3	,	,	PUNCT
ajbmeb-1250	148	4	the	the	DET
ajbmeb-1250	148	5	apriori	apriori	ADJ
ajbmeb-1250	148	6	expectation	expectation	NOUN
ajbmeb-1250	148	7	were	be	AUX
ajbmeb-1250	148	8	stated	state	VERB
ajbmeb-1250	148	9	as	as	SCONJ
ajbmeb-1250	148	10	follows	follow	VERB
ajbmeb-1250	148	11	:	:	PUNCT
ajbmeb-1250	148	12	δ	δ	PROPN
ajbmeb-1250	148	13	lqmit	lqmit	VERB
ajbmeb-1250	148	14	roeit	roeit	NOUN
ajbmeb-1250	148	15	statistical	statistical	ADJ
ajbmeb-1250	148	16	tools	tool	NOUN
ajbmeb-1250	148	17	the	the	DET
ajbmeb-1250	148	18	estimation	estimation	NOUN
ajbmeb-1250	148	19	techniques	technique	NOUN
ajbmeb-1250	148	20	used	use	VERB
ajbmeb-1250	148	21	to	to	PART
ajbmeb-1250	148	22	test	test	VERB
ajbmeb-1250	148	23	the	the	DET
ajbmeb-1250	148	24	relationship	relationship	NOUN
ajbmeb-1250	148	25	between	between	ADP
ajbmeb-1250	148	26	the	the	DET
ajbmeb-1250	148	27	variables	variable	NOUN
ajbmeb-1250	148	28	are	be	AUX
ajbmeb-1250	148	29	ordinary	ordinary	ADJ
ajbmeb-1250	148	30	least	least	ADJ
ajbmeb-1250	148	31	square	square	ADJ
ajbmeb-1250	148	32	regression	regression	NOUN
ajbmeb-1250	148	33	analysis	analysis	NOUN
ajbmeb-1250	148	34	,	,	PUNCT
ajbmeb-1250	148	35	augmented	augment	VERB
ajbmeb-1250	148	36	dickey	dickey	PROPN
ajbmeb-1250	148	37	fuller	full	ADJ
ajbmeb-1250	148	38	unit	unit	NOUN
ajbmeb-1250	148	39	root	root	PROPN
ajbmeb-1250	148	40	test	test	NOUN
ajbmeb-1250	148	41	,	,	PUNCT
ajbmeb-1250	148	42	johansen	johansen	PROPN
ajbmeb-1250	148	43	co	co	PROPN
ajbmeb-1250	148	44	-	-	NOUN
ajbmeb-1250	148	45	integration	integration	NOUN
ajbmeb-1250	148	46	test	test	NOUN
ajbmeb-1250	148	47	,	,	PUNCT
ajbmeb-1250	148	48	likelihood	likelihood	NOUN
ajbmeb-1250	148	49	ratio	ratio	NOUN
ajbmeb-1250	148	50	test	test	NOUN
ajbmeb-1250	148	51	,	,	PUNCT
ajbmeb-1250	148	52	hausman	hausman	PROPN
ajbmeb-1250	148	53	specification	specification	PROPN
ajbmeb-1250	148	54	test	test	NOUN
ajbmeb-1250	148	55	,	,	PUNCT
ajbmeb-1250	148	56	lagrange	lagrange	X
ajbmeb-1250	148	57	multiplier	multipli	ADJ
ajbmeb-1250	148	58	test	test	NOUN
ajbmeb-1250	148	59	and	and	CCONJ
ajbmeb-1250	148	60	error	error	NOUN
ajbmeb-1250	148	61	correction	correction	NOUN
ajbmeb-1250	148	62	model	model	NOUN
ajbmeb-1250	148	63	with	with	ADP
ajbmeb-1250	148	64	the	the	DET
ajbmeb-1250	148	65	aid	aid	NOUN
ajbmeb-1250	148	66	of	of	ADP
ajbmeb-1250	148	67	e	e	NOUN
ajbmeb-1250	148	68	-	-	NOUN
ajbmeb-1250	148	69	view	view	ADJ
ajbmeb-1250	148	70	statistical	statistical	ADJ
ajbmeb-1250	148	71	package	package	NOUN
ajbmeb-1250	148	72	version	version	NOUN
ajbmeb-1250	148	73	12	12	NUM
ajbmeb-1250	148	74	.	.	PUNCT
ajbmeb-1250	149	1	>	>	X
ajbmeb-1250	149	2	o	o	PROPN
ajbmeb-1250	149	3	american	american	PROPN
ajbmeb-1250	149	4	journal	journal	PROPN
ajbmeb-1250	149	5	of	of	ADP
ajbmeb-1250	149	6	business	business	NOUN
ajbmeb-1250	149	7	management	management	NOUN
ajbmeb-1250	149	8	,	,	PUNCT
ajbmeb-1250	149	9	economics	economic	NOUN
ajbmeb-1250	149	10	and	and	CCONJ
ajbmeb-1250	149	11	banking	banking	NOUN
ajbmeb-1250	149	12	volume	volume	NOUN
ajbmeb-1250	149	13	16	16	NUM
ajbmeb-1250	149	14	sep	sep	PROPN
ajbmeb-1250	149	15	,	,	PUNCT
ajbmeb-1250	149	16	2023	2023	NUM
ajbmeb-1250	149	17	p	p	NOUN
ajbmeb-1250	149	18	a	a	DET
ajbmeb-1250	149	19	g	g	NOUN
ajbmeb-1250	149	20	e	e	NOUN
ajbmeb-1250	149	21	|	|	ADV
ajbmeb-1250	149	22	219	219	NUM
ajbmeb-1250	149	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	149	24	results	result	NOUN
ajbmeb-1250	149	25	and	and	CCONJ
ajbmeb-1250	149	26	discussion	discussion	NOUN
ajbmeb-1250	149	27	the	the	DET
ajbmeb-1250	149	28	following	follow	VERB
ajbmeb-1250	149	29	results	result	NOUN
ajbmeb-1250	149	30	reveal	reveal	VERB
ajbmeb-1250	149	31	the	the	DET
ajbmeb-1250	149	32	relationship	relationship	NOUN
ajbmeb-1250	149	33	between	between	ADP
ajbmeb-1250	149	34	the	the	DET
ajbmeb-1250	149	35	dependent	dependent	ADJ
ajbmeb-1250	149	36	and	and	CCONJ
ajbmeb-1250	149	37	independent	independent	ADJ
ajbmeb-1250	149	38	variable	variable	NOUN
ajbmeb-1250	149	39	in	in	ADP
ajbmeb-1250	149	40	this	this	DET
ajbmeb-1250	149	41	study	study	NOUN
ajbmeb-1250	149	42	as	as	SCONJ
ajbmeb-1250	149	43	specified	specify	VERB
ajbmeb-1250	149	44	in	in	ADP
ajbmeb-1250	149	45	the	the	DET
ajbmeb-1250	149	46	regression	regression	NOUN
ajbmeb-1250	149	47	models	model	NOUN
ajbmeb-1250	149	48	.	.	PUNCT
ajbmeb-1250	150	1	descriptive	descriptive	ADJ
ajbmeb-1250	150	2	statistics	statistic	NOUN
ajbmeb-1250	150	3	table	table	NOUN
ajbmeb-1250	150	4	1	1	NUM
ajbmeb-1250	150	5	descriptive	descriptive	ADJ
ajbmeb-1250	150	6	statistics	statistic	NOUN
ajbmeb-1250	150	7	of	of	ADP
ajbmeb-1250	150	8	pooled	pool	VERB
ajbmeb-1250	150	9	values	value	NOUN
ajbmeb-1250	150	10	of	of	ADP
ajbmeb-1250	150	11	return	return	NOUN
ajbmeb-1250	150	12	on	on	ADP
ajbmeb-1250	150	13	equity	equity	NOUN
ajbmeb-1250	150	14	and	and	CCONJ
ajbmeb-1250	150	15	liquidity	liquidity	NOUN
ajbmeb-1250	150	16	management	management	NOUN
ajbmeb-1250	150	17	for	for	ADP
ajbmeb-1250	150	18	8	8	NUM
ajbmeb-1250	150	19	listed	list	VERB
ajbmeb-1250	150	20	international	international	ADJ
ajbmeb-1250	150	21	deposit	deposit	NOUN
ajbmeb-1250	150	22	money	money	NOUN
ajbmeb-1250	150	23	banks	bank	NOUN
ajbmeb-1250	150	24	over	over	ADP
ajbmeb-1250	150	25	the	the	DET
ajbmeb-1250	150	26	period	period	NOUN
ajbmeb-1250	150	27	f	f	NOUN
ajbmeb-1250	150	28	2010	2010	NUM
ajbmeb-1250	150	29	-	-	SYM
ajbmeb-1250	150	30	2020	2020	NUM
ajbmeb-1250	150	31	.	.	PUNCT
ajbmeb-1250	151	1	table	table	NOUN
ajbmeb-1250	151	2	1	1	NUM
ajbmeb-1250	151	3	:	:	PUNCT
ajbmeb-1250	151	4	descriptive	descriptive	ADJ
ajbmeb-1250	151	5	statistics	statistic	NOUN
ajbmeb-1250	151	6	of	of	ADP
ajbmeb-1250	151	7	pooled	pool	VERB
ajbmeb-1250	151	8	values	value	NOUN
ajbmeb-1250	151	9	of	of	ADP
ajbmeb-1250	151	10	return	return	NOUN
ajbmeb-1250	151	11	on	on	ADP
ajbmeb-1250	151	12	equity	equity	NOUN
ajbmeb-1250	151	13	(	(	PUNCT
ajbmeb-1250	151	14	roe	roe	PROPN
ajbmeb-1250	151	15	)	)	PUNCT
ajbmeb-1250	151	16	,	,	PUNCT
ajbmeb-1250	151	17	and	and	CCONJ
ajbmeb-1250	151	18	liquidity	liquidity	NOUN
ajbmeb-1250	151	19	management	management	NOUN
ajbmeb-1250	151	20	ratio	ratio	NOUN
ajbmeb-1250	151	21	(	(	PUNCT
ajbmeb-1250	151	22	lqm	lqm	PROPN
ajbmeb-1250	151	23	)	)	PUNCT
ajbmeb-1250	151	24	,	,	PUNCT
ajbmeb-1250	151	25	for	for	SCONJ
ajbmeb-1250	151	26	all	all	DET
ajbmeb-1250	151	27	8	8	NUM
ajbmeb-1250	151	28	quoted	quote	VERB
ajbmeb-1250	151	29	international	international	ADJ
ajbmeb-1250	151	30	deposit	deposit	NOUN
ajbmeb-1250	151	31	money	money	NOUN
ajbmeb-1250	151	32	banks	bank	NOUN
ajbmeb-1250	151	33	over	over	ADP
ajbmeb-1250	151	34	the	the	DET
ajbmeb-1250	151	35	period	period	NOUN
ajbmeb-1250	151	36	of	of	ADP
ajbmeb-1250	151	37	2010	2010	NUM
ajbmeb-1250	151	38	to	to	ADP
ajbmeb-1250	151	39	2020	2020	NUM
ajbmeb-1250	151	40	roe	roe	PROPN
ajbmeb-1250	151	41	lqm	lqm	PROPN
ajbmeb-1250	151	42	mean	mean	VERB
ajbmeb-1250	152	1	0.098864	0.098864	NUM
ajbmeb-1250	152	2	1.456647	1.456647	NUM
ajbmeb-1250	152	3	median	median	NOUN
ajbmeb-1250	152	4	0.070000	0.070000	NUM
ajbmeb-1250	152	5	1.335000	1.335000	NUM
ajbmeb-1250	152	6	maximum	maximum	NOUN
ajbmeb-1250	152	7	0.860000	0.860000	NUM
ajbmeb-1250	152	8	4.280000	4.280000	NUM
ajbmeb-1250	152	9	minimum	minimum	ADJ
ajbmeb-1250	152	10	0.020000	0.020000	NUM
ajbmeb-1250	152	11	0.230000	0.230000	NUM
ajbmeb-1250	152	12	std	std	NOUN
ajbmeb-1250	152	13	.	.	PUNCT
ajbmeb-1250	152	14	dev	dev	PROPN
ajbmeb-1250	152	15	.	.	PROPN
ajbmeb-1250	153	1	0.106008	0.106008	NUM
ajbmeb-1250	153	2	0.586699	0.586699	NUM
ajbmeb-1250	153	3	skewness	skewness	NOUN
ajbmeb-1250	153	4	4.713944	4.713944	NUM
ajbmeb-1250	153	5	1.840555	1.840555	NUM
ajbmeb-1250	153	6	kurtosis	kurtosis	NOUN
ajbmeb-1250	153	7	32.26953	32.26953	NUM
ajbmeb-1250	153	8	8.728759	8.728759	NUM
ajbmeb-1250	153	9	jarque	jarque	NOUN
ajbmeb-1250	153	10	-	-	PUNCT
ajbmeb-1250	153	11	bera	bera	NOUN
ajbmeb-1250	153	12	3467.164	3467.164	NUM
ajbmeb-1250	153	13	170.0206	170.0206	NUM
ajbmeb-1250	153	14	probability	probability	NOUN
ajbmeb-1250	153	15	0.000000	0.000000	NUM
ajbmeb-1250	153	16	0.000000	0.000000	NUM
ajbmeb-1250	153	17	sum	sum	VERB
ajbmeb-1250	153	18	8.700000	8.700000	NUM
ajbmeb-1250	153	19	128.1849	128.1849	NUM
ajbmeb-1250	153	20	sum	sum	PROPN
ajbmeb-1250	153	21	sq	sq	PROPN
ajbmeb-1250	153	22	.	.	PROPN
ajbmeb-1250	153	23	dev	dev	PROPN
ajbmeb-1250	153	24	.	.	PUNCT
ajbmeb-1250	154	1	0.977686	0.977686	NUM
ajbmeb-1250	154	2	29.94680	29.94680	NUM
ajbmeb-1250	154	3	observations	observation	NOUN
ajbmeb-1250	154	4	88	88	NUM
ajbmeb-1250	154	5	88	88	NUM
ajbmeb-1250	154	6	liquidity	liquidity	NOUN
ajbmeb-1250	154	7	management	management	NOUN
ajbmeb-1250	154	8	ratio	ratio	NOUN
ajbmeb-1250	154	9	(	(	PUNCT
ajbmeb-1250	154	10	lqm	lqm	PROPN
ajbmeb-1250	154	11	)	)	PUNCT
ajbmeb-1250	154	12	shows	show	VERB
ajbmeb-1250	154	13	an	an	DET
ajbmeb-1250	154	14	average	average	ADJ
ajbmeb-1250	154	15	value	value	NOUN
ajbmeb-1250	154	16	of	of	ADP
ajbmeb-1250	154	17	1.46	1.46	NUM
ajbmeb-1250	154	18	.	.	PUNCT
ajbmeb-1250	155	1	this	this	PRON
ajbmeb-1250	155	2	means	mean	VERB
ajbmeb-1250	155	3	that	that	SCONJ
ajbmeb-1250	155	4	,	,	PUNCT
ajbmeb-1250	155	5	the	the	DET
ajbmeb-1250	155	6	deposit	deposit	NOUN
ajbmeb-1250	155	7	money	money	NOUN
ajbmeb-1250	155	8	banks	bank	NOUN
ajbmeb-1250	155	9	manage	manage	VERB
ajbmeb-1250	155	10	liquidity	liquidity	NOUN
ajbmeb-1250	155	11	properly	properly	ADV
ajbmeb-1250	155	12	.	.	PUNCT
ajbmeb-1250	156	1	the	the	DET
ajbmeb-1250	156	2	low	low	ADJ
ajbmeb-1250	156	3	standard	standard	ADJ
ajbmeb-1250	156	4	deviation	deviation	NOUN
ajbmeb-1250	156	5	value	value	NOUN
ajbmeb-1250	156	6	of0.5867	of0.5867	PRON
ajbmeb-1250	156	7	shows	show	VERB
ajbmeb-1250	156	8	that	that	SCONJ
ajbmeb-1250	156	9	,	,	PUNCT
ajbmeb-1250	156	10	the	the	DET
ajbmeb-1250	156	11	liquidity	liquidity	NOUN
ajbmeb-1250	156	12	management	management	NOUN
ajbmeb-1250	156	13	ratio	ratio	NOUN
ajbmeb-1250	156	14	(	(	PUNCT
ajbmeb-1250	156	15	lqm	lqm	PROPN
ajbmeb-1250	156	16	)	)	PUNCT
ajbmeb-1250	156	17	of	of	ADP
ajbmeb-1250	156	18	the	the	DET
ajbmeb-1250	156	19	industry	industry	NOUN
ajbmeb-1250	156	20	has	have	AUX
ajbmeb-1250	156	21	undergone	undergo	VERB
ajbmeb-1250	156	22	mild	mild	ADJ
ajbmeb-1250	156	23	changes	change	NOUN
ajbmeb-1250	156	24	overtime	overtime	NOUN
ajbmeb-1250	156	25	.	.	PUNCT
ajbmeb-1250	157	1	the	the	DET
ajbmeb-1250	157	2	positive	positive	ADJ
ajbmeb-1250	157	3	skewness	skewness	NOUN
ajbmeb-1250	157	4	coefficient	coefficient	NOUN
ajbmeb-1250	157	5	of1.84shows	of1.84show	VERB
ajbmeb-1250	157	6	the	the	DET
ajbmeb-1250	157	7	tendency	tendency	NOUN
ajbmeb-1250	157	8	of	of	ADP
ajbmeb-1250	157	9	the	the	DET
ajbmeb-1250	157	10	liquidity	liquidity	NOUN
ajbmeb-1250	157	11	management	management	NOUN
ajbmeb-1250	157	12	ratio	ratio	NOUN
ajbmeb-1250	157	13	(	(	PUNCT
ajbmeb-1250	157	14	lqm	lqm	PROPN
ajbmeb-1250	157	15	)	)	PUNCT
ajbmeb-1250	157	16	of	of	ADP
ajbmeb-1250	157	17	deposit	deposit	NOUN
ajbmeb-1250	157	18	money	money	NOUN
ajbmeb-1250	157	19	banks	bank	NOUN
ajbmeb-1250	157	20	to	to	PART
ajbmeb-1250	157	21	increase	increase	VERB
ajbmeb-1250	157	22	overtime	overtime	NOUN
ajbmeb-1250	157	23	,	,	PUNCT
ajbmeb-1250	157	24	while	while	SCONJ
ajbmeb-1250	157	25	the	the	DET
ajbmeb-1250	157	26	kurtosis	kurtosis	NOUN
ajbmeb-1250	157	27	value	value	NOUN
ajbmeb-1250	157	28	of8.73	of8.73	NOUN
ajbmeb-1250	157	29	shows	show	VERB
ajbmeb-1250	157	30	a	a	DET
ajbmeb-1250	157	31	large	large	ADJ
ajbmeb-1250	157	32	rate	rate	NOUN
ajbmeb-1250	157	33	of	of	ADP
ajbmeb-1250	157	34	increment	increment	NOUN
ajbmeb-1250	157	35	in	in	ADP
ajbmeb-1250	157	36	the	the	DET
ajbmeb-1250	157	37	lqm	lqm	NOUN
ajbmeb-1250	157	38	position	position	NOUN
ajbmeb-1250	157	39	of	of	ADP
ajbmeb-1250	157	40	the	the	DET
ajbmeb-1250	157	41	selected	select	VERB
ajbmeb-1250	157	42	international	international	ADJ
ajbmeb-1250	157	43	deposit	deposit	NOUN
ajbmeb-1250	157	44	money	money	NOUN
ajbmeb-1250	157	45	banks	bank	NOUN
ajbmeb-1250	157	46	.	.	PUNCT
ajbmeb-1250	158	1	the	the	DET
ajbmeb-1250	158	2	normality	normality	NOUN
ajbmeb-1250	158	3	test	test	NOUN
ajbmeb-1250	158	4	probability	probability	NOUN
ajbmeb-1250	158	5	value	value	NOUN
ajbmeb-1250	158	6	of	of	ADP
ajbmeb-1250	158	7	0.00000	0.00000	NUM
ajbmeb-1250	158	8	is	be	AUX
ajbmeb-1250	158	9	observed	observe	VERB
ajbmeb-1250	158	10	to	to	PART
ajbmeb-1250	158	11	be	be	AUX
ajbmeb-1250	158	12	less	less	ADJ
ajbmeb-1250	158	13	than	than	ADP
ajbmeb-1250	158	14	the	the	DET
ajbmeb-1250	158	15	0.05	0.05	NUM
ajbmeb-1250	158	16	(	(	PUNCT
ajbmeb-1250	158	17	5	5	NUM
ajbmeb-1250	158	18	%	%	NOUN
ajbmeb-1250	158	19	)	)	PUNCT
ajbmeb-1250	158	20	significance	significance	NOUN
ajbmeb-1250	158	21	level	level	NOUN
ajbmeb-1250	158	22	shows	show	VERB
ajbmeb-1250	158	23	that	that	SCONJ
ajbmeb-1250	158	24	the	the	DET
ajbmeb-1250	158	25	trend	trend	NOUN
ajbmeb-1250	158	26	of	of	ADP
ajbmeb-1250	158	27	the	the	DET
ajbmeb-1250	158	28	car	car	NOUN
ajbmeb-1250	158	29	is	be	AUX
ajbmeb-1250	158	30	not	not	PART
ajbmeb-1250	158	31	normally	normally	ADV
ajbmeb-1250	158	32	distributed	distribute	VERB
ajbmeb-1250	158	33	.	.	PUNCT
ajbmeb-1250	159	1	graphical	graphical	ADJ
ajbmeb-1250	159	2	representation	representation	NOUN
ajbmeb-1250	159	3	of	of	ADP
ajbmeb-1250	159	4	trends	trend	NOUN
ajbmeb-1250	159	5	to	to	PART
ajbmeb-1250	159	6	further	far	ADV
ajbmeb-1250	159	7	enable	enable	VERB
ajbmeb-1250	159	8	the	the	DET
ajbmeb-1250	159	9	visualization	visualization	NOUN
ajbmeb-1250	159	10	and	and	CCONJ
ajbmeb-1250	159	11	appreciation	appreciation	NOUN
ajbmeb-1250	159	12	of	of	ADP
ajbmeb-1250	159	13	the	the	DET
ajbmeb-1250	159	14	study	study	NOUN
ajbmeb-1250	159	15	data	datum	NOUN
ajbmeb-1250	159	16	,	,	PUNCT
ajbmeb-1250	159	17	the	the	DET
ajbmeb-1250	159	18	graphical	graphical	ADJ
ajbmeb-1250	159	19	trends	trend	NOUN
ajbmeb-1250	159	20	of	of	ADP
ajbmeb-1250	159	21	employed	employ	VERB
ajbmeb-1250	159	22	variables	variable	NOUN
ajbmeb-1250	159	23	are	be	AUX
ajbmeb-1250	159	24	presented	present	VERB
ajbmeb-1250	159	25	below	below	ADV
ajbmeb-1250	159	26	as	as	ADP
ajbmeb-1250	159	27	follow	follow	VERB
ajbmeb-1250	159	28	;	;	PUNCT
ajbmeb-1250	159	29	american	american	ADJ
ajbmeb-1250	159	30	journal	journal	PROPN
ajbmeb-1250	159	31	of	of	ADP
ajbmeb-1250	159	32	business	business	NOUN
ajbmeb-1250	159	33	management	management	NOUN
ajbmeb-1250	159	34	,	,	PUNCT
ajbmeb-1250	159	35	economics	economic	NOUN
ajbmeb-1250	159	36	and	and	CCONJ
ajbmeb-1250	159	37	banking	banking	NOUN
ajbmeb-1250	159	38	volume	volume	NOUN
ajbmeb-1250	159	39	16	16	NUM
ajbmeb-1250	159	40	sep	sep	PROPN
ajbmeb-1250	159	41	,	,	PUNCT
ajbmeb-1250	159	42	2023	2023	NUM
ajbmeb-1250	159	43	p	p	NOUN
ajbmeb-1250	159	44	a	a	DET
ajbmeb-1250	159	45	g	g	NOUN
ajbmeb-1250	159	46	e	e	NOUN
ajbmeb-1250	159	47	|	|	ADV
ajbmeb-1250	159	48	220	220	NUM
ajbmeb-1250	159	49	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	159	50	figure	figure	NOUN
ajbmeb-1250	159	51	1	1	NUM
ajbmeb-1250	159	52	:	:	PUNCT
ajbmeb-1250	159	53	pictorial	pictorial	ADJ
ajbmeb-1250	159	54	representation	representation	NOUN
ajbmeb-1250	159	55	of	of	ADP
ajbmeb-1250	159	56	the	the	DET
ajbmeb-1250	159	57	panel	panel	NOUN
ajbmeb-1250	159	58	trend	trend	NOUN
ajbmeb-1250	159	59	of	of	ADP
ajbmeb-1250	159	60	return	return	NOUN
ajbmeb-1250	159	61	on	on	ADP
ajbmeb-1250	159	62	equity	equity	NOUN
ajbmeb-1250	159	63	(	(	PUNCT
ajbmeb-1250	159	64	roe	roe	NOUN
ajbmeb-1250	159	65	)	)	PUNCT
ajbmeb-1250	159	66	of	of	ADP
ajbmeb-1250	159	67	sampled	sample	VERB
ajbmeb-1250	159	68	8	8	NUM
ajbmeb-1250	159	69	quoted	quote	VERB
ajbmeb-1250	159	70	deposit	deposit	NOUN
ajbmeb-1250	159	71	money	money	NOUN
ajbmeb-1250	159	72	banks	bank	NOUN
ajbmeb-1250	159	73	in	in	ADP
ajbmeb-1250	159	74	nigeria	nigeria	PROPN
ajbmeb-1250	159	75	.	.	PUNCT
ajbmeb-1250	160	1	from	from	ADP
ajbmeb-1250	160	2	figure	figure	NOUN
ajbmeb-1250	160	3	1	1	NUM
ajbmeb-1250	160	4	above	above	ADV
ajbmeb-1250	160	5	,	,	PUNCT
ajbmeb-1250	160	6	it	it	PRON
ajbmeb-1250	160	7	can	can	AUX
ajbmeb-1250	160	8	be	be	AUX
ajbmeb-1250	160	9	observed	observe	VERB
ajbmeb-1250	160	10	that	that	SCONJ
ajbmeb-1250	160	11	only	only	ADV
ajbmeb-1250	160	12	one	one	NUM
ajbmeb-1250	160	13	quoted	quote	VERB
ajbmeb-1250	160	14	deposit	deposit	NOUN
ajbmeb-1250	160	15	money	money	NOUN
ajbmeb-1250	160	16	banks	bank	NOUN
ajbmeb-1250	160	17	significantly	significantly	ADV
ajbmeb-1250	160	18	outperformed	outperform	VERB
ajbmeb-1250	160	19	the	the	DET
ajbmeb-1250	160	20	market	market	NOUN
ajbmeb-1250	160	21	in	in	ADP
ajbmeb-1250	160	22	terms	term	NOUN
ajbmeb-1250	160	23	of	of	ADP
ajbmeb-1250	160	24	the	the	DET
ajbmeb-1250	160	25	return	return	NOUN
ajbmeb-1250	160	26	on	on	ADP
ajbmeb-1250	160	27	equity	equity	NOUN
ajbmeb-1250	160	28	which	which	PRON
ajbmeb-1250	160	29	is	be	AUX
ajbmeb-1250	160	30	union	union	PROPN
ajbmeb-1250	160	31	bank	bank	PROPN
ajbmeb-1250	160	32	plc	plc	PROPN
ajbmeb-1250	160	33	(	(	PUNCT
ajbmeb-1250	160	34	being	be	AUX
ajbmeb-1250	160	35	the	the	DET
ajbmeb-1250	160	36	modal	modal	ADJ
ajbmeb-1250	160	37	roa	roa	NOUN
ajbmeb-1250	160	38	)	)	PUNCT
ajbmeb-1250	160	39	,	,	PUNCT
ajbmeb-1250	160	40	while	while	SCONJ
ajbmeb-1250	160	41	other	other	ADJ
ajbmeb-1250	160	42	companies	company	NOUN
ajbmeb-1250	160	43	that	that	PRON
ajbmeb-1250	160	44	performed	perform	VERB
ajbmeb-1250	160	45	around	around	ADP
ajbmeb-1250	160	46	the	the	DET
ajbmeb-1250	160	47	market	market	NOUN
ajbmeb-1250	160	48	mean	mean	VERB
ajbmeb-1250	160	49	.	.	PUNCT
ajbmeb-1250	161	1	overall	overall	ADV
ajbmeb-1250	161	2	,	,	PUNCT
ajbmeb-1250	161	3	the	the	DET
ajbmeb-1250	161	4	firms	firm	NOUN
ajbmeb-1250	161	5	are	be	AUX
ajbmeb-1250	161	6	visually	visually	ADV
ajbmeb-1250	161	7	observed	observe	VERB
ajbmeb-1250	161	8	/	/	PUNCT
ajbmeb-1250	161	9	seen	see	VERB
ajbmeb-1250	161	10	to	to	PART
ajbmeb-1250	161	11	have	have	VERB
ajbmeb-1250	161	12	fluctuating	fluctuate	VERB
ajbmeb-1250	161	13	return	return	NOUN
ajbmeb-1250	161	14	on	on	ADP
ajbmeb-1250	161	15	equity	equity	NOUN
ajbmeb-1250	161	16	.	.	PUNCT
ajbmeb-1250	162	1	.0	.0	NUM
ajbmeb-1250	163	1	.1	.1	NUM
ajbmeb-1250	164	1	.2	.2	NUM
ajbmeb-1250	164	2	.3	.3	NUM
ajbmeb-1250	164	3	.4	.4	NUM
ajbmeb-1250	164	4	.5	.5	NUM
ajbmeb-1250	165	1	.6	.6	NUM
ajbmeb-1250	166	1	.7	.7	PROPN
ajbmeb-1250	166	2	.8	.8	PROPN
ajbmeb-1250	167	1	.9	.9	NUM
ajbmeb-1250	167	2	a	a	DET
ajbmeb-1250	167	3	cc	cc	ADP
ajbmeb-1250	167	4	es	es	X
ajbmeb-1250	167	5	s	s	PROPN
ajbmeb-1250	167	6	b	b	NOUN
ajbmeb-1250	167	7	an	an	DET
ajbmeb-1250	167	8	k	k	X
ajbmeb-1250	167	9	p	p	X
ajbmeb-1250	167	10	lc	lc	PROPN
ajbmeb-1250	167	11	1	1	NUM
ajbmeb-1250	167	12	0	0	NUM
ajbmeb-1250	168	1	a	a	PRON
ajbmeb-1250	168	2	cc	cc	ADP
ajbmeb-1250	168	3	es	es	X
ajbmeb-1250	168	4	s	s	PROPN
ajbmeb-1250	168	5	b	b	NOUN
ajbmeb-1250	168	6	an	an	DET
ajbmeb-1250	168	7	k	k	X
ajbmeb-1250	168	8	p	p	X
ajbmeb-1250	168	9	lc	lc	PROPN
ajbmeb-1250	168	10	1	1	NUM
ajbmeb-1250	168	11	3	3	NUM
ajbmeb-1250	168	12	a	a	PRON
ajbmeb-1250	168	13	cc	cc	ADP
ajbmeb-1250	168	14	es	es	X
ajbmeb-1250	168	15	s	s	PROPN
ajbmeb-1250	168	16	b	b	NOUN
ajbmeb-1250	168	17	an	an	DET
ajbmeb-1250	168	18	k	k	X
ajbmeb-1250	168	19	p	p	X
ajbmeb-1250	168	20	lc	lc	PROPN
ajbmeb-1250	168	21	1	1	NUM
ajbmeb-1250	168	22	6	6	NUM
ajbmeb-1250	168	23	a	a	PRON
ajbmeb-1250	168	24	cc	cc	ADP
ajbmeb-1250	168	25	es	es	X
ajbmeb-1250	168	26	s	s	PROPN
ajbmeb-1250	168	27	b	b	NOUN
ajbmeb-1250	168	28	an	an	DET
ajbmeb-1250	168	29	k	k	X
ajbmeb-1250	168	30	p	p	X
ajbmeb-1250	168	31	lc	lc	PROPN
ajbmeb-1250	168	32	1	1	NUM
ajbmeb-1250	168	33	9	9	NUM
ajbmeb-1250	168	34	f	f	NOUN
ajbmeb-1250	168	35	i	i	PROPN
ajbmeb-1250	168	36	d	d	PROPN
ajbmeb-1250	168	37	el	el	PROPN
ajbmeb-1250	168	38	ity	ity	PROPN
ajbmeb-1250	168	39	b	b	PROPN
ajbmeb-1250	168	40	an	an	PRON
ajbmeb-1250	168	41	k	k	X
ajbmeb-1250	168	42	p	p	X
ajbmeb-1250	168	43	lc	lc	PROPN
ajbmeb-1250	169	1	1	1	NUM
ajbmeb-1250	169	2	1	1	NUM
ajbmeb-1250	169	3	f	f	NOUN
ajbmeb-1250	169	4	i	i	PROPN
ajbmeb-1250	169	5	d	d	PROPN
ajbmeb-1250	169	6	el	el	PROPN
ajbmeb-1250	169	7	ity	ity	PROPN
ajbmeb-1250	169	8	b	b	PROPN
ajbmeb-1250	169	9	an	an	DET
ajbmeb-1250	169	10	k	k	X
ajbmeb-1250	169	11	p	p	X
ajbmeb-1250	169	12	lc	lc	PROPN
ajbmeb-1250	169	13	1	1	NUM
ajbmeb-1250	169	14	4	4	NUM
ajbmeb-1250	169	15	f	f	NOUN
ajbmeb-1250	169	16	i	i	PROPN
ajbmeb-1250	169	17	d	d	PROPN
ajbmeb-1250	169	18	el	el	PROPN
ajbmeb-1250	169	19	ity	ity	PROPN
ajbmeb-1250	169	20	b	b	PROPN
ajbmeb-1250	169	21	an	an	DET
ajbmeb-1250	169	22	k	k	X
ajbmeb-1250	169	23	p	p	X
ajbmeb-1250	169	24	lc	lc	PROPN
ajbmeb-1250	169	25	1	1	NUM
ajbmeb-1250	169	26	7	7	NUM
ajbmeb-1250	169	27	f	f	X
ajbmeb-1250	169	28	i	i	PROPN
ajbmeb-1250	169	29	d	d	PROPN
ajbmeb-1250	169	30	el	el	PROPN
ajbmeb-1250	169	31	ity	ity	PROPN
ajbmeb-1250	169	32	b	b	PROPN
ajbmeb-1250	169	33	an	an	DET
ajbmeb-1250	169	34	k	k	X
ajbmeb-1250	169	35	p	p	X
ajbmeb-1250	169	36	lc	lc	PROPN
ajbmeb-1250	169	37	2	2	NUM
ajbmeb-1250	169	38	0	0	NUM
ajbmeb-1250	170	1	f	f	PROPN
ajbmeb-1250	170	2	irs	irs	PROPN
ajbmeb-1250	170	3	t	t	PROPN
ajbmeb-1250	170	4	c	c	PROPN
ajbmeb-1250	170	5	ity	ity	PROPN
ajbmeb-1250	170	6	m	m	PROPN
ajbmeb-1250	170	7	on	on	ADP
ajbmeb-1250	170	8	um	um	INTJ
ajbmeb-1250	170	9	en	en	ADP
ajbmeb-1250	170	10	t	t	PROPN
ajbmeb-1250	170	11	b	b	PROPN
ajbmeb-1250	170	12	an	an	DET
ajbmeb-1250	170	13	k	k	PROPN
ajbmeb-1250	170	14	li	li	PROPN
ajbmeb-1250	170	15	m	m	PROPN
ajbmeb-1250	170	16	ite	ite	PROPN
ajbmeb-1250	171	1	d	d	PROPN
ajbmeb-1250	171	2	12	12	NUM
ajbmeb-1250	171	3	f	f	PROPN
ajbmeb-1250	171	4	irs	irs	PROPN
ajbmeb-1250	171	5	t	t	PROPN
ajbmeb-1250	171	6	c	c	PROPN
ajbmeb-1250	171	7	ity	ity	PROPN
ajbmeb-1250	171	8	m	m	PROPN
ajbmeb-1250	171	9	on	on	ADP
ajbmeb-1250	171	10	um	um	INTJ
ajbmeb-1250	171	11	en	en	ADP
ajbmeb-1250	171	12	t	t	PROPN
ajbmeb-1250	171	13	b	b	PROPN
ajbmeb-1250	171	14	an	an	DET
ajbmeb-1250	171	15	k	k	PROPN
ajbmeb-1250	171	16	li	li	PROPN
ajbmeb-1250	171	17	m	m	PROPN
ajbmeb-1250	171	18	ite	ite	PROPN
ajbmeb-1250	172	1	d	d	PROPN
ajbmeb-1250	172	2	15	15	NUM
ajbmeb-1250	172	3	f	f	PROPN
ajbmeb-1250	172	4	irs	irs	PROPN
ajbmeb-1250	172	5	t	t	PROPN
ajbmeb-1250	172	6	c	c	PROPN
ajbmeb-1250	172	7	ity	ity	PROPN
ajbmeb-1250	172	8	m	m	PROPN
ajbmeb-1250	172	9	on	on	ADP
ajbmeb-1250	172	10	um	um	INTJ
ajbmeb-1250	172	11	en	en	ADP
ajbmeb-1250	172	12	t	t	PROPN
ajbmeb-1250	172	13	b	b	PROPN
ajbmeb-1250	172	14	an	an	DET
ajbmeb-1250	172	15	k	k	PROPN
ajbmeb-1250	172	16	li	li	PROPN
ajbmeb-1250	172	17	m	m	PROPN
ajbmeb-1250	172	18	ite	ite	PROPN
ajbmeb-1250	173	1	d	d	PROPN
ajbmeb-1250	173	2	18	18	NUM
ajbmeb-1250	173	3	f	f	PROPN
ajbmeb-1250	173	4	irs	irs	PROPN
ajbmeb-1250	173	5	t	t	PROPN
ajbmeb-1250	173	6	b	b	PROPN
ajbmeb-1250	173	7	an	an	DET
ajbmeb-1250	173	8	k	k	PROPN
ajbmeb-1250	173	9	of	of	ADP
ajbmeb-1250	173	10	n	n	PRON
ajbmeb-1250	173	11	ig	ig	PROPN
ajbmeb-1250	173	12	er	er	INTJ
ajbmeb-1250	173	13	ia	ia	PROPN
ajbmeb-1250	173	14	p	p	PROPN
ajbmeb-1250	173	15	lc	lc	PROPN
ajbmeb-1250	173	16	1	1	NUM
ajbmeb-1250	173	17	0	0	NUM
ajbmeb-1250	174	1	f	f	PROPN
ajbmeb-1250	174	2	irs	irs	PROPN
ajbmeb-1250	174	3	t	t	PROPN
ajbmeb-1250	174	4	b	b	PROPN
ajbmeb-1250	174	5	an	an	DET
ajbmeb-1250	174	6	k	k	PROPN
ajbmeb-1250	174	7	of	of	ADP
ajbmeb-1250	174	8	n	n	PRON
ajbmeb-1250	174	9	ig	ig	PROPN
ajbmeb-1250	174	10	er	er	INTJ
ajbmeb-1250	174	11	ia	ia	PROPN
ajbmeb-1250	174	12	p	p	PROPN
ajbmeb-1250	174	13	lc	lc	PROPN
ajbmeb-1250	174	14	1	1	NUM
ajbmeb-1250	174	15	3	3	NUM
ajbmeb-1250	174	16	f	f	PROPN
ajbmeb-1250	174	17	irs	irs	PROPN
ajbmeb-1250	174	18	t	t	PROPN
ajbmeb-1250	174	19	b	b	PROPN
ajbmeb-1250	174	20	an	an	DET
ajbmeb-1250	174	21	k	k	PROPN
ajbmeb-1250	174	22	of	of	ADP
ajbmeb-1250	174	23	n	n	PRON
ajbmeb-1250	174	24	ig	ig	PROPN
ajbmeb-1250	174	25	er	er	INTJ
ajbmeb-1250	174	26	ia	ia	PROPN
ajbmeb-1250	174	27	p	p	PROPN
ajbmeb-1250	174	28	lc	lc	PROPN
ajbmeb-1250	174	29	1	1	NUM
ajbmeb-1250	174	30	6	6	NUM
ajbmeb-1250	174	31	f	f	PROPN
ajbmeb-1250	174	32	irs	irs	PROPN
ajbmeb-1250	174	33	t	t	PROPN
ajbmeb-1250	174	34	b	b	PROPN
ajbmeb-1250	174	35	an	an	DET
ajbmeb-1250	174	36	k	k	PROPN
ajbmeb-1250	174	37	of	of	ADP
ajbmeb-1250	174	38	n	n	PRON
ajbmeb-1250	174	39	ig	ig	PROPN
ajbmeb-1250	174	40	er	er	INTJ
ajbmeb-1250	174	41	ia	ia	PROPN
ajbmeb-1250	174	42	p	p	PROPN
ajbmeb-1250	174	43	lc	lc	PROPN
ajbmeb-1250	174	44	1	1	NUM
ajbmeb-1250	174	45	9	9	NUM
ajbmeb-1250	174	46	g	g	PROPN
ajbmeb-1250	174	47	ua	ua	PROPN
ajbmeb-1250	174	48	ra	ra	PROPN
ajbmeb-1250	175	1	nt	not	PART
ajbmeb-1250	175	2	y	y	PROPN
ajbmeb-1250	175	3	t	t	PROPN
ajbmeb-1250	175	4	ru	ru	PROPN
ajbmeb-1250	175	5	st	st	PROPN
ajbmeb-1250	175	6	h	h	PROPN
ajbmeb-1250	175	7	ol	ol	PROPN
ajbmeb-1250	175	8	di	di	PROPN
ajbmeb-1250	175	9	ng	ng	PROPN
ajbmeb-1250	175	10	c	c	PROPN
ajbmeb-1250	176	1	om	om	PROPN
ajbmeb-1250	176	2	pa	pa	PROPN
ajbmeb-1250	176	3	ny	ny	PROPN
ajbmeb-1250	177	1	p	p	PROPN
ajbmeb-1250	177	2	lc	lc	PROPN
ajbmeb-1250	177	3	11	11	NUM
ajbmeb-1250	177	4	g	g	PROPN
ajbmeb-1250	177	5	ua	ua	PROPN
ajbmeb-1250	177	6	ra	ra	PROPN
ajbmeb-1250	178	1	nt	not	PART
ajbmeb-1250	178	2	y	y	PROPN
ajbmeb-1250	178	3	t	t	PROPN
ajbmeb-1250	178	4	ru	ru	PROPN
ajbmeb-1250	178	5	st	st	PROPN
ajbmeb-1250	178	6	h	h	PROPN
ajbmeb-1250	178	7	ol	ol	PROPN
ajbmeb-1250	178	8	di	di	PROPN
ajbmeb-1250	178	9	ng	ng	PROPN
ajbmeb-1250	178	10	c	c	PROPN
ajbmeb-1250	179	1	om	om	PROPN
ajbmeb-1250	179	2	pa	pa	PROPN
ajbmeb-1250	179	3	ny	ny	PROPN
ajbmeb-1250	180	1	p	p	PROPN
ajbmeb-1250	180	2	lc	lc	PROPN
ajbmeb-1250	180	3	14	14	NUM
ajbmeb-1250	180	4	g	g	PROPN
ajbmeb-1250	180	5	ua	ua	PROPN
ajbmeb-1250	181	1	ra	ra	PROPN
ajbmeb-1250	182	1	nt	not	PART
ajbmeb-1250	182	2	y	y	PROPN
ajbmeb-1250	182	3	t	t	PROPN
ajbmeb-1250	182	4	ru	ru	PROPN
ajbmeb-1250	182	5	st	st	PROPN
ajbmeb-1250	182	6	h	h	PROPN
ajbmeb-1250	182	7	ol	ol	PROPN
ajbmeb-1250	182	8	di	di	PROPN
ajbmeb-1250	182	9	ng	ng	PROPN
ajbmeb-1250	182	10	c	c	PROPN
ajbmeb-1250	183	1	om	om	PROPN
ajbmeb-1250	183	2	pa	pa	PROPN
ajbmeb-1250	183	3	ny	ny	PROPN
ajbmeb-1250	184	1	p	p	PROPN
ajbmeb-1250	184	2	lc	lc	PROPN
ajbmeb-1250	184	3	17	17	NUM
ajbmeb-1250	184	4	g	g	PROPN
ajbmeb-1250	184	5	ua	ua	PROPN
ajbmeb-1250	185	1	ra	ra	PROPN
ajbmeb-1250	186	1	nt	not	PART
ajbmeb-1250	186	2	y	y	PROPN
ajbmeb-1250	186	3	t	t	PROPN
ajbmeb-1250	186	4	ru	ru	PROPN
ajbmeb-1250	186	5	st	st	PROPN
ajbmeb-1250	186	6	h	h	PROPN
ajbmeb-1250	186	7	ol	ol	PROPN
ajbmeb-1250	186	8	di	di	PROPN
ajbmeb-1250	186	9	ng	ng	PROPN
ajbmeb-1250	186	10	c	c	PROPN
ajbmeb-1250	187	1	om	om	PROPN
ajbmeb-1250	187	2	pa	pa	PROPN
ajbmeb-1250	187	3	ny	ny	PROPN
ajbmeb-1250	187	4	p	p	PROPN
ajbmeb-1250	187	5	lc	lc	PROPN
ajbmeb-1250	187	6	20	20	NUM
ajbmeb-1250	187	7	u	u	NOUN
ajbmeb-1250	187	8	ni	ni	PROPN
ajbmeb-1250	187	9	on	on	ADP
ajbmeb-1250	187	10	b	b	PROPN
ajbmeb-1250	187	11	an	an	DET
ajbmeb-1250	187	12	k	k	NOUN
ajbmeb-1250	187	13	of	of	ADP
ajbmeb-1250	187	14	n	n	PRON
ajbmeb-1250	187	15	ig	ig	PROPN
ajbmeb-1250	187	16	er	er	INTJ
ajbmeb-1250	187	17	ia	ia	PROPN
ajbmeb-1250	187	18	p	p	PROPN
ajbmeb-1250	187	19	lc	lc	PROPN
ajbmeb-1250	187	20	1	1	NUM
ajbmeb-1250	187	21	2	2	NUM
ajbmeb-1250	187	22	u	u	NOUN
ajbmeb-1250	187	23	ni	ni	PROPN
ajbmeb-1250	187	24	on	on	ADP
ajbmeb-1250	187	25	b	b	PROPN
ajbmeb-1250	187	26	an	an	DET
ajbmeb-1250	187	27	k	k	NOUN
ajbmeb-1250	187	28	of	of	ADP
ajbmeb-1250	187	29	n	n	PRON
ajbmeb-1250	187	30	ig	ig	PROPN
ajbmeb-1250	187	31	er	er	INTJ
ajbmeb-1250	187	32	ia	ia	PROPN
ajbmeb-1250	188	1	p	p	PROPN
ajbmeb-1250	188	2	lc	lc	PROPN
ajbmeb-1250	188	3	1	1	NUM
ajbmeb-1250	188	4	5	5	NUM
ajbmeb-1250	188	5	u	u	NOUN
ajbmeb-1250	188	6	ni	ni	PROPN
ajbmeb-1250	188	7	on	on	ADP
ajbmeb-1250	188	8	b	b	PROPN
ajbmeb-1250	188	9	an	an	DET
ajbmeb-1250	188	10	k	k	NOUN
ajbmeb-1250	188	11	of	of	ADP
ajbmeb-1250	188	12	n	n	PRON
ajbmeb-1250	188	13	ig	ig	PROPN
ajbmeb-1250	188	14	er	er	INTJ
ajbmeb-1250	188	15	ia	ia	PROPN
ajbmeb-1250	189	1	p	p	PROPN
ajbmeb-1250	189	2	lc	lc	PROPN
ajbmeb-1250	189	3	1	1	NUM
ajbmeb-1250	189	4	8	8	NUM
ajbmeb-1250	189	5	u	u	NOUN
ajbmeb-1250	189	6	b	b	NOUN
ajbmeb-1250	189	7	a	a	DET
ajbmeb-1250	189	8	1	1	NUM
ajbmeb-1250	189	9	0	0	NUM
ajbmeb-1250	189	10	u	u	NOUN
ajbmeb-1250	189	11	b	b	PROPN
ajbmeb-1250	189	12	a	a	DET
ajbmeb-1250	189	13	1	1	NUM
ajbmeb-1250	189	14	3	3	NUM
ajbmeb-1250	189	15	u	u	NOUN
ajbmeb-1250	189	16	b	b	PROPN
ajbmeb-1250	189	17	a	a	DET
ajbmeb-1250	189	18	1	1	NUM
ajbmeb-1250	189	19	6	6	NUM
ajbmeb-1250	189	20	u	u	NOUN
ajbmeb-1250	189	21	b	b	NOUN
ajbmeb-1250	189	22	a	a	DET
ajbmeb-1250	189	23	1	1	NUM
ajbmeb-1250	189	24	9	9	NUM
ajbmeb-1250	189	25	z	z	NOUN
ajbmeb-1250	189	26	en	en	ADP
ajbmeb-1250	189	27	ith	ith	PROPN
ajbmeb-1250	189	28	b	b	PROPN
ajbmeb-1250	189	29	an	an	DET
ajbmeb-1250	189	30	k	k	X
ajbmeb-1250	189	31	p	p	X
ajbmeb-1250	189	32	lc	lc	PROPN
ajbmeb-1250	189	33	1	1	NUM
ajbmeb-1250	189	34	1	1	NUM
ajbmeb-1250	189	35	z	z	NOUN
ajbmeb-1250	189	36	en	en	ADP
ajbmeb-1250	189	37	ith	ith	PROPN
ajbmeb-1250	189	38	b	b	PROPN
ajbmeb-1250	189	39	an	an	DET
ajbmeb-1250	189	40	k	k	X
ajbmeb-1250	189	41	p	p	X
ajbmeb-1250	189	42	lc	lc	PROPN
ajbmeb-1250	189	43	1	1	NUM
ajbmeb-1250	189	44	4	4	NUM
ajbmeb-1250	189	45	z	z	NOUN
ajbmeb-1250	189	46	en	en	ADP
ajbmeb-1250	189	47	ith	ith	PROPN
ajbmeb-1250	189	48	b	b	PROPN
ajbmeb-1250	189	49	an	an	DET
ajbmeb-1250	189	50	k	k	X
ajbmeb-1250	189	51	p	p	X
ajbmeb-1250	189	52	lc	lc	PROPN
ajbmeb-1250	189	53	1	1	NUM
ajbmeb-1250	189	54	7	7	NUM
ajbmeb-1250	189	55	z	z	NOUN
ajbmeb-1250	189	56	en	en	ADP
ajbmeb-1250	189	57	ith	ith	PROPN
ajbmeb-1250	189	58	b	b	PROPN
ajbmeb-1250	189	59	an	an	DET
ajbmeb-1250	189	60	k	k	X
ajbmeb-1250	189	61	p	p	X
ajbmeb-1250	189	62	lc	lc	PROPN
ajbmeb-1250	189	63	2	2	NUM
ajbmeb-1250	189	64	0	0	NUM
ajbmeb-1250	189	65	roe	roe	PROPN
ajbmeb-1250	189	66	american	american	PROPN
ajbmeb-1250	189	67	journal	journal	PROPN
ajbmeb-1250	189	68	of	of	ADP
ajbmeb-1250	189	69	business	business	NOUN
ajbmeb-1250	189	70	management	management	NOUN
ajbmeb-1250	189	71	,	,	PUNCT
ajbmeb-1250	189	72	economics	economic	NOUN
ajbmeb-1250	189	73	and	and	CCONJ
ajbmeb-1250	189	74	banking	banking	NOUN
ajbmeb-1250	189	75	volume	volume	NOUN
ajbmeb-1250	189	76	16	16	NUM
ajbmeb-1250	189	77	sep	sep	PROPN
ajbmeb-1250	189	78	,	,	PUNCT
ajbmeb-1250	189	79	2023	2023	NUM
ajbmeb-1250	189	80	p	p	NOUN
ajbmeb-1250	189	81	a	a	PRON
ajbmeb-1250	189	82	g	g	NOUN
ajbmeb-1250	189	83	e	e	NOUN
ajbmeb-1250	189	84	|	|	NOUN
ajbmeb-1250	189	85	221	221	NUM
ajbmeb-1250	189	86	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	189	87	figure	figure	NOUN
ajbmeb-1250	189	88	2	2	NUM
ajbmeb-1250	189	89	pictorial	pictorial	ADJ
ajbmeb-1250	189	90	representation	representation	NOUN
ajbmeb-1250	189	91	of	of	ADP
ajbmeb-1250	189	92	the	the	DET
ajbmeb-1250	189	93	panel	panel	NOUN
ajbmeb-1250	189	94	trend	trend	NOUN
ajbmeb-1250	189	95	of	of	ADP
ajbmeb-1250	189	96	liquidity	liquidity	NOUN
ajbmeb-1250	189	97	management	management	NOUN
ajbmeb-1250	189	98	ratio	ratio	NOUN
ajbmeb-1250	189	99	(	(	PUNCT
ajbmeb-1250	189	100	lqm	lqm	PROPN
ajbmeb-1250	189	101	)	)	PUNCT
ajbmeb-1250	189	102	of	of	ADP
ajbmeb-1250	189	103	sampled	sample	VERB
ajbmeb-1250	189	104	8	8	NUM
ajbmeb-1250	189	105	quoted	quote	VERB
ajbmeb-1250	189	106	deposit	deposit	NOUN
ajbmeb-1250	189	107	money	money	NOUN
ajbmeb-1250	189	108	banks	bank	NOUN
ajbmeb-1250	189	109	in	in	ADP
ajbmeb-1250	189	110	nigeria	nigeria	PROPN
ajbmeb-1250	189	111	.	.	PUNCT
ajbmeb-1250	190	1	for	for	ADP
ajbmeb-1250	190	2	the	the	DET
ajbmeb-1250	190	3	liquidity	liquidity	NOUN
ajbmeb-1250	190	4	management	management	NOUN
ajbmeb-1250	190	5	ratio	ratio	NOUN
ajbmeb-1250	190	6	(	(	PUNCT
ajbmeb-1250	190	7	lqm	lqm	PROPN
ajbmeb-1250	190	8	)	)	PUNCT
ajbmeb-1250	190	9	,	,	PUNCT
ajbmeb-1250	190	10	only	only	ADV
ajbmeb-1250	190	11	two	two	NUM
ajbmeb-1250	190	12	outliers	outlier	NOUN
ajbmeb-1250	190	13	are	be	AUX
ajbmeb-1250	190	14	observed	observe	VERB
ajbmeb-1250	190	15	as	as	ADP
ajbmeb-1250	190	16	attributable	attributable	ADJ
ajbmeb-1250	190	17	to	to	ADP
ajbmeb-1250	190	18	union	union	PROPN
ajbmeb-1250	190	19	bank	bank	PROPN
ajbmeb-1250	190	20	plc	plc	PROPN
ajbmeb-1250	190	21	and	and	CCONJ
ajbmeb-1250	190	22	zenith	zenith	PROPN
ajbmeb-1250	190	23	bank	bank	PROPN
ajbmeb-1250	190	24	plc	plc	PROPN
ajbmeb-1250	190	25	which	which	PRON
ajbmeb-1250	190	26	can	can	AUX
ajbmeb-1250	190	27	be	be	AUX
ajbmeb-1250	190	28	seen	see	VERB
ajbmeb-1250	190	29	to	to	PART
ajbmeb-1250	190	30	have	have	VERB
ajbmeb-1250	190	31	better	well	ADJ
ajbmeb-1250	190	32	lqm	lqm	NOUN
ajbmeb-1250	190	33	structure	structure	NOUN
ajbmeb-1250	190	34	than	than	ADP
ajbmeb-1250	190	35	the	the	DET
ajbmeb-1250	190	36	industrial	industrial	ADJ
ajbmeb-1250	190	37	average	average	NOUN
ajbmeb-1250	190	38	as	as	SCONJ
ajbmeb-1250	190	39	seen	see	VERB
ajbmeb-1250	190	40	from	from	ADP
ajbmeb-1250	190	41	table	table	NOUN
ajbmeb-1250	190	42	2	2	NUM
ajbmeb-1250	190	43	.	.	PUNCT
ajbmeb-1250	190	44	other	other	ADJ
ajbmeb-1250	190	45	companies	company	NOUN
ajbmeb-1250	190	46	on	on	ADP
ajbmeb-1250	190	47	this	this	DET
ajbmeb-1250	190	48	list	list	NOUN
ajbmeb-1250	190	49	are	be	AUX
ajbmeb-1250	190	50	observed	observe	VERB
ajbmeb-1250	190	51	to	to	PART
ajbmeb-1250	190	52	expend	expend	VERB
ajbmeb-1250	190	53	on	on	ADP
ajbmeb-1250	190	54	lqm	lqm	PROPN
ajbmeb-1250	190	55	around	around	ADP
ajbmeb-1250	190	56	the	the	DET
ajbmeb-1250	190	57	industry	industry	NOUN
ajbmeb-1250	191	1	mean	mean	VERB
ajbmeb-1250	191	2	.	.	PUNCT
ajbmeb-1250	192	1	pooled	pool	VERB
ajbmeb-1250	192	2	effect	effect	NOUN
ajbmeb-1250	192	3	(	(	PUNCT
ajbmeb-1250	192	4	model	model	NOUN
ajbmeb-1250	192	5	1	1	NUM
ajbmeb-1250	192	6	)	)	PUNCT
ajbmeb-1250	192	7	to	to	PART
ajbmeb-1250	192	8	evaluate	evaluate	VERB
ajbmeb-1250	192	9	the	the	DET
ajbmeb-1250	192	10	nature	nature	NOUN
ajbmeb-1250	192	11	of	of	ADP
ajbmeb-1250	192	12	short	short	ADJ
ajbmeb-1250	192	13	run	run	NOUN
ajbmeb-1250	192	14	relationship	relationship	NOUN
ajbmeb-1250	192	15	between	between	ADP
ajbmeb-1250	192	16	employed	employ	VERB
ajbmeb-1250	192	17	variables	variable	NOUN
ajbmeb-1250	192	18	using	use	VERB
ajbmeb-1250	192	19	a	a	DET
ajbmeb-1250	192	20	single	single	ADJ
ajbmeb-1250	192	21	constant	constant	ADJ
ajbmeb-1250	192	22	parameter	parameter	NOUN
ajbmeb-1250	192	23	across	across	ADP
ajbmeb-1250	192	24	the	the	DET
ajbmeb-1250	192	25	various	various	ADJ
ajbmeb-1250	192	26	cross	cross	NOUN
ajbmeb-1250	192	27	-	-	NOUN
ajbmeb-1250	192	28	section	section	NOUN
ajbmeb-1250	192	29	,	,	PUNCT
ajbmeb-1250	192	30	the	the	DET
ajbmeb-1250	192	31	pooled	pooled	ADJ
ajbmeb-1250	192	32	effect	effect	NOUN
ajbmeb-1250	192	33	is	be	AUX
ajbmeb-1250	192	34	presented	present	VERB
ajbmeb-1250	192	35	as	as	SCONJ
ajbmeb-1250	192	36	follows	follow	VERB
ajbmeb-1250	192	37	;	;	PUNCT
ajbmeb-1250	192	38	model	model	NOUN
ajbmeb-1250	192	39	1	1	NUM
ajbmeb-1250	192	40	:	:	PUNCT
ajbmeb-1250	192	41	return	return	VERB
ajbmeb-1250	192	42	on	on	ADP
ajbmeb-1250	192	43	equity	equity	NOUN
ajbmeb-1250	192	44	equation	equation	NOUN
ajbmeb-1250	192	45	(	(	PUNCT
ajbmeb-1250	192	46	roe	roe	NOUN
ajbmeb-1250	192	47	)	)	PUNCT
ajbmeb-1250	192	48	table	table	NOUN
ajbmeb-1250	192	49	2	2	NUM
ajbmeb-1250	192	50	:	:	PUNCT
ajbmeb-1250	192	51	pooled	pool	VERB
ajbmeb-1250	192	52	effects	effect	NOUN
ajbmeb-1250	192	53	regression	regression	VERB
ajbmeb-1250	192	54	output	output	NOUN
ajbmeb-1250	192	55	for	for	ADP
ajbmeb-1250	192	56	model	model	NOUN
ajbmeb-1250	192	57	1	1	NUM
ajbmeb-1250	192	58	–	–	PUNCT
ajbmeb-1250	192	59	return	return	NOUN
ajbmeb-1250	192	60	on	on	ADP
ajbmeb-1250	192	61	equity	equity	NOUN
ajbmeb-1250	192	62	equation	equation	NOUN
ajbmeb-1250	192	63	(	(	PUNCT
ajbmeb-1250	192	64	roe	roe	NOUN
ajbmeb-1250	192	65	)	)	PUNCT
ajbmeb-1250	192	66	dependent	dependent	ADJ
ajbmeb-1250	192	67	variable	variable	NOUN
ajbmeb-1250	192	68	:	:	PUNCT
ajbmeb-1250	192	69	d(roe	d(roe	PROPN
ajbmeb-1250	192	70	)	)	PUNCT
ajbmeb-1250	192	71	method	method	NOUN
ajbmeb-1250	192	72	:	:	PUNCT
ajbmeb-1250	192	73	panel	panel	NOUN
ajbmeb-1250	192	74	least	least	ADJ
ajbmeb-1250	192	75	squares	square	NOUN
ajbmeb-1250	192	76	date	date	NOUN
ajbmeb-1250	192	77	:	:	PUNCT
ajbmeb-1250	192	78	02/4/22	02/4/22	NUM
ajbmeb-1250	192	79	time	time	NOUN
ajbmeb-1250	192	80	:	:	PUNCT
ajbmeb-1250	192	81	08:57	08:57	NUM
ajbmeb-1250	192	82	sample	sample	NOUN
ajbmeb-1250	192	83	:	:	PUNCT
ajbmeb-1250	192	84	2010	2010	NUM
ajbmeb-1250	192	85	2020	2020	NUM
ajbmeb-1250	192	86	periods	period	NOUN
ajbmeb-1250	192	87	included	include	VERB
ajbmeb-1250	192	88	:	:	PUNCT
ajbmeb-1250	192	89	11	11	NUM
ajbmeb-1250	192	90	0	0	NUM
ajbmeb-1250	192	91	1	1	NUM
ajbmeb-1250	192	92	2	2	NUM
ajbmeb-1250	192	93	3	3	NUM
ajbmeb-1250	192	94	4	4	NUM
ajbmeb-1250	192	95	5	5	NUM
ajbmeb-1250	192	96	a	a	PRON
ajbmeb-1250	192	97	cc	cc	ADP
ajbmeb-1250	192	98	es	es	X
ajbmeb-1250	192	99	s	s	PROPN
ajbmeb-1250	192	100	b	b	NOUN
ajbmeb-1250	192	101	an	an	DET
ajbmeb-1250	192	102	k	k	X
ajbmeb-1250	192	103	p	p	X
ajbmeb-1250	192	104	lc	lc	PROPN
ajbmeb-1250	192	105	1	1	NUM
ajbmeb-1250	192	106	0	0	NUM
ajbmeb-1250	193	1	a	a	PRON
ajbmeb-1250	193	2	cc	cc	ADP
ajbmeb-1250	193	3	es	es	X
ajbmeb-1250	193	4	s	s	PROPN
ajbmeb-1250	193	5	b	b	NOUN
ajbmeb-1250	193	6	an	an	DET
ajbmeb-1250	193	7	k	k	X
ajbmeb-1250	193	8	p	p	X
ajbmeb-1250	193	9	lc	lc	PROPN
ajbmeb-1250	193	10	1	1	NUM
ajbmeb-1250	193	11	3	3	NUM
ajbmeb-1250	193	12	a	a	PRON
ajbmeb-1250	193	13	cc	cc	ADP
ajbmeb-1250	193	14	es	es	X
ajbmeb-1250	193	15	s	s	PROPN
ajbmeb-1250	193	16	b	b	NOUN
ajbmeb-1250	193	17	an	an	DET
ajbmeb-1250	193	18	k	k	X
ajbmeb-1250	193	19	p	p	X
ajbmeb-1250	193	20	lc	lc	PROPN
ajbmeb-1250	193	21	1	1	NUM
ajbmeb-1250	193	22	6	6	NUM
ajbmeb-1250	193	23	a	a	PRON
ajbmeb-1250	193	24	cc	cc	ADP
ajbmeb-1250	193	25	es	es	X
ajbmeb-1250	193	26	s	s	PROPN
ajbmeb-1250	193	27	b	b	NOUN
ajbmeb-1250	193	28	an	an	DET
ajbmeb-1250	193	29	k	k	X
ajbmeb-1250	193	30	p	p	X
ajbmeb-1250	193	31	lc	lc	PROPN
ajbmeb-1250	193	32	1	1	NUM
ajbmeb-1250	193	33	9	9	NUM
ajbmeb-1250	193	34	f	f	NOUN
ajbmeb-1250	193	35	i	i	PROPN
ajbmeb-1250	193	36	d	d	PROPN
ajbmeb-1250	193	37	el	el	PROPN
ajbmeb-1250	193	38	ity	ity	PROPN
ajbmeb-1250	193	39	b	b	PROPN
ajbmeb-1250	193	40	an	an	PRON
ajbmeb-1250	193	41	k	k	X
ajbmeb-1250	193	42	p	p	X
ajbmeb-1250	193	43	lc	lc	PROPN
ajbmeb-1250	194	1	1	1	NUM
ajbmeb-1250	194	2	1	1	NUM
ajbmeb-1250	194	3	f	f	NOUN
ajbmeb-1250	194	4	i	i	PROPN
ajbmeb-1250	194	5	d	d	PROPN
ajbmeb-1250	194	6	el	el	PROPN
ajbmeb-1250	194	7	ity	ity	PROPN
ajbmeb-1250	194	8	b	b	PROPN
ajbmeb-1250	194	9	an	an	DET
ajbmeb-1250	194	10	k	k	X
ajbmeb-1250	194	11	p	p	X
ajbmeb-1250	194	12	lc	lc	PROPN
ajbmeb-1250	194	13	1	1	NUM
ajbmeb-1250	194	14	4	4	NUM
ajbmeb-1250	194	15	f	f	NOUN
ajbmeb-1250	194	16	i	i	PROPN
ajbmeb-1250	194	17	d	d	PROPN
ajbmeb-1250	194	18	el	el	PROPN
ajbmeb-1250	194	19	ity	ity	PROPN
ajbmeb-1250	194	20	b	b	PROPN
ajbmeb-1250	194	21	an	an	DET
ajbmeb-1250	194	22	k	k	X
ajbmeb-1250	194	23	p	p	X
ajbmeb-1250	194	24	lc	lc	PROPN
ajbmeb-1250	194	25	1	1	NUM
ajbmeb-1250	194	26	7	7	NUM
ajbmeb-1250	194	27	f	f	X
ajbmeb-1250	194	28	i	i	PROPN
ajbmeb-1250	194	29	d	d	PROPN
ajbmeb-1250	194	30	el	el	PROPN
ajbmeb-1250	194	31	ity	ity	PROPN
ajbmeb-1250	194	32	b	b	PROPN
ajbmeb-1250	194	33	an	an	DET
ajbmeb-1250	194	34	k	k	X
ajbmeb-1250	194	35	p	p	X
ajbmeb-1250	194	36	lc	lc	PROPN
ajbmeb-1250	194	37	2	2	NUM
ajbmeb-1250	194	38	0	0	NUM
ajbmeb-1250	195	1	f	f	PROPN
ajbmeb-1250	195	2	irs	irs	PROPN
ajbmeb-1250	195	3	t	t	PROPN
ajbmeb-1250	195	4	c	c	PROPN
ajbmeb-1250	195	5	ity	ity	PROPN
ajbmeb-1250	195	6	m	m	PROPN
ajbmeb-1250	195	7	on	on	ADP
ajbmeb-1250	195	8	um	um	INTJ
ajbmeb-1250	195	9	en	en	ADP
ajbmeb-1250	195	10	t	t	PROPN
ajbmeb-1250	195	11	b	b	PROPN
ajbmeb-1250	195	12	an	an	DET
ajbmeb-1250	195	13	k	k	PROPN
ajbmeb-1250	195	14	li	li	PROPN
ajbmeb-1250	195	15	m	m	PROPN
ajbmeb-1250	195	16	ite	ite	PROPN
ajbmeb-1250	196	1	d	d	PROPN
ajbmeb-1250	196	2	12	12	NUM
ajbmeb-1250	196	3	f	f	PROPN
ajbmeb-1250	196	4	irs	irs	PROPN
ajbmeb-1250	196	5	t	t	PROPN
ajbmeb-1250	196	6	c	c	PROPN
ajbmeb-1250	196	7	ity	ity	PROPN
ajbmeb-1250	196	8	m	m	PROPN
ajbmeb-1250	196	9	on	on	ADP
ajbmeb-1250	196	10	um	um	INTJ
ajbmeb-1250	196	11	en	en	ADP
ajbmeb-1250	196	12	t	t	PROPN
ajbmeb-1250	196	13	b	b	PROPN
ajbmeb-1250	196	14	an	an	DET
ajbmeb-1250	196	15	k	k	PROPN
ajbmeb-1250	196	16	li	li	PROPN
ajbmeb-1250	196	17	m	m	PROPN
ajbmeb-1250	196	18	ite	ite	PROPN
ajbmeb-1250	197	1	d	d	PROPN
ajbmeb-1250	197	2	15	15	NUM
ajbmeb-1250	197	3	f	f	PROPN
ajbmeb-1250	197	4	irs	irs	PROPN
ajbmeb-1250	197	5	t	t	PROPN
ajbmeb-1250	197	6	c	c	PROPN
ajbmeb-1250	197	7	ity	ity	PROPN
ajbmeb-1250	197	8	m	m	PROPN
ajbmeb-1250	197	9	on	on	ADP
ajbmeb-1250	197	10	um	um	INTJ
ajbmeb-1250	197	11	en	en	ADP
ajbmeb-1250	197	12	t	t	PROPN
ajbmeb-1250	197	13	b	b	PROPN
ajbmeb-1250	197	14	an	an	DET
ajbmeb-1250	197	15	k	k	PROPN
ajbmeb-1250	197	16	li	li	PROPN
ajbmeb-1250	197	17	m	m	PROPN
ajbmeb-1250	197	18	ite	ite	PROPN
ajbmeb-1250	198	1	d	d	PROPN
ajbmeb-1250	198	2	18	18	NUM
ajbmeb-1250	198	3	f	f	PROPN
ajbmeb-1250	198	4	irs	irs	PROPN
ajbmeb-1250	198	5	t	t	PROPN
ajbmeb-1250	198	6	b	b	PROPN
ajbmeb-1250	198	7	an	an	DET
ajbmeb-1250	198	8	k	k	PROPN
ajbmeb-1250	198	9	of	of	ADP
ajbmeb-1250	198	10	n	n	PRON
ajbmeb-1250	198	11	ig	ig	PROPN
ajbmeb-1250	198	12	er	er	INTJ
ajbmeb-1250	198	13	ia	ia	PROPN
ajbmeb-1250	198	14	p	p	PROPN
ajbmeb-1250	198	15	lc	lc	PROPN
ajbmeb-1250	198	16	1	1	NUM
ajbmeb-1250	198	17	0	0	NUM
ajbmeb-1250	199	1	f	f	PROPN
ajbmeb-1250	199	2	irs	irs	PROPN
ajbmeb-1250	199	3	t	t	PROPN
ajbmeb-1250	199	4	b	b	PROPN
ajbmeb-1250	199	5	an	an	DET
ajbmeb-1250	199	6	k	k	PROPN
ajbmeb-1250	199	7	of	of	ADP
ajbmeb-1250	199	8	n	n	PRON
ajbmeb-1250	199	9	ig	ig	PROPN
ajbmeb-1250	199	10	er	er	INTJ
ajbmeb-1250	199	11	ia	ia	PROPN
ajbmeb-1250	199	12	p	p	PROPN
ajbmeb-1250	199	13	lc	lc	PROPN
ajbmeb-1250	199	14	1	1	NUM
ajbmeb-1250	199	15	3	3	NUM
ajbmeb-1250	199	16	f	f	PROPN
ajbmeb-1250	199	17	irs	irs	PROPN
ajbmeb-1250	199	18	t	t	PROPN
ajbmeb-1250	199	19	b	b	PROPN
ajbmeb-1250	199	20	an	an	DET
ajbmeb-1250	199	21	k	k	PROPN
ajbmeb-1250	199	22	of	of	ADP
ajbmeb-1250	199	23	n	n	PRON
ajbmeb-1250	199	24	ig	ig	PROPN
ajbmeb-1250	199	25	er	er	INTJ
ajbmeb-1250	199	26	ia	ia	PROPN
ajbmeb-1250	199	27	p	p	PROPN
ajbmeb-1250	199	28	lc	lc	PROPN
ajbmeb-1250	199	29	1	1	NUM
ajbmeb-1250	199	30	6	6	NUM
ajbmeb-1250	199	31	f	f	PROPN
ajbmeb-1250	199	32	irs	irs	PROPN
ajbmeb-1250	199	33	t	t	PROPN
ajbmeb-1250	199	34	b	b	PROPN
ajbmeb-1250	199	35	an	an	DET
ajbmeb-1250	199	36	k	k	PROPN
ajbmeb-1250	199	37	of	of	ADP
ajbmeb-1250	199	38	n	n	PRON
ajbmeb-1250	199	39	ig	ig	PROPN
ajbmeb-1250	199	40	er	er	INTJ
ajbmeb-1250	199	41	ia	ia	PROPN
ajbmeb-1250	199	42	p	p	PROPN
ajbmeb-1250	199	43	lc	lc	PROPN
ajbmeb-1250	199	44	1	1	NUM
ajbmeb-1250	199	45	9	9	NUM
ajbmeb-1250	199	46	g	g	PROPN
ajbmeb-1250	199	47	ua	ua	PROPN
ajbmeb-1250	199	48	ra	ra	PROPN
ajbmeb-1250	200	1	nt	not	PART
ajbmeb-1250	200	2	y	y	PROPN
ajbmeb-1250	200	3	t	t	PROPN
ajbmeb-1250	200	4	ru	ru	PROPN
ajbmeb-1250	200	5	st	st	PROPN
ajbmeb-1250	200	6	h	h	PROPN
ajbmeb-1250	200	7	ol	ol	PROPN
ajbmeb-1250	200	8	di	di	PROPN
ajbmeb-1250	200	9	ng	ng	PROPN
ajbmeb-1250	200	10	c	c	PROPN
ajbmeb-1250	201	1	om	om	PROPN
ajbmeb-1250	201	2	pa	pa	PROPN
ajbmeb-1250	201	3	ny	ny	PROPN
ajbmeb-1250	202	1	p	p	PROPN
ajbmeb-1250	202	2	lc	lc	PROPN
ajbmeb-1250	202	3	11	11	NUM
ajbmeb-1250	202	4	g	g	PROPN
ajbmeb-1250	202	5	ua	ua	PROPN
ajbmeb-1250	202	6	ra	ra	PROPN
ajbmeb-1250	203	1	nt	not	PART
ajbmeb-1250	203	2	y	y	PROPN
ajbmeb-1250	203	3	t	t	PROPN
ajbmeb-1250	203	4	ru	ru	PROPN
ajbmeb-1250	203	5	st	st	PROPN
ajbmeb-1250	203	6	h	h	PROPN
ajbmeb-1250	203	7	ol	ol	PROPN
ajbmeb-1250	203	8	di	di	PROPN
ajbmeb-1250	203	9	ng	ng	PROPN
ajbmeb-1250	203	10	c	c	PROPN
ajbmeb-1250	204	1	om	om	PROPN
ajbmeb-1250	204	2	pa	pa	PROPN
ajbmeb-1250	204	3	ny	ny	PROPN
ajbmeb-1250	205	1	p	p	PROPN
ajbmeb-1250	205	2	lc	lc	PROPN
ajbmeb-1250	205	3	14	14	NUM
ajbmeb-1250	205	4	g	g	PROPN
ajbmeb-1250	205	5	ua	ua	PROPN
ajbmeb-1250	206	1	ra	ra	PROPN
ajbmeb-1250	207	1	nt	not	PART
ajbmeb-1250	207	2	y	y	PROPN
ajbmeb-1250	207	3	t	t	PROPN
ajbmeb-1250	207	4	ru	ru	PROPN
ajbmeb-1250	207	5	st	st	PROPN
ajbmeb-1250	207	6	h	h	PROPN
ajbmeb-1250	207	7	ol	ol	PROPN
ajbmeb-1250	207	8	di	di	PROPN
ajbmeb-1250	207	9	ng	ng	PROPN
ajbmeb-1250	207	10	c	c	PROPN
ajbmeb-1250	208	1	om	om	PROPN
ajbmeb-1250	208	2	pa	pa	PROPN
ajbmeb-1250	208	3	ny	ny	PROPN
ajbmeb-1250	209	1	p	p	PROPN
ajbmeb-1250	209	2	lc	lc	PROPN
ajbmeb-1250	209	3	17	17	NUM
ajbmeb-1250	209	4	g	g	PROPN
ajbmeb-1250	209	5	ua	ua	PROPN
ajbmeb-1250	210	1	ra	ra	PROPN
ajbmeb-1250	211	1	nt	not	PART
ajbmeb-1250	211	2	y	y	PROPN
ajbmeb-1250	211	3	t	t	PROPN
ajbmeb-1250	211	4	ru	ru	PROPN
ajbmeb-1250	211	5	st	st	PROPN
ajbmeb-1250	211	6	h	h	PROPN
ajbmeb-1250	211	7	ol	ol	PROPN
ajbmeb-1250	211	8	di	di	PROPN
ajbmeb-1250	211	9	ng	ng	PROPN
ajbmeb-1250	211	10	c	c	PROPN
ajbmeb-1250	212	1	om	om	PROPN
ajbmeb-1250	212	2	pa	pa	PROPN
ajbmeb-1250	212	3	ny	ny	PROPN
ajbmeb-1250	212	4	p	p	PROPN
ajbmeb-1250	212	5	lc	lc	PROPN
ajbmeb-1250	212	6	20	20	NUM
ajbmeb-1250	212	7	u	u	NOUN
ajbmeb-1250	212	8	ni	ni	PROPN
ajbmeb-1250	212	9	on	on	ADP
ajbmeb-1250	212	10	b	b	PROPN
ajbmeb-1250	212	11	an	an	DET
ajbmeb-1250	212	12	k	k	NOUN
ajbmeb-1250	212	13	of	of	ADP
ajbmeb-1250	212	14	n	n	PRON
ajbmeb-1250	212	15	ig	ig	PROPN
ajbmeb-1250	212	16	er	er	INTJ
ajbmeb-1250	212	17	ia	ia	PROPN
ajbmeb-1250	212	18	p	p	PROPN
ajbmeb-1250	212	19	lc	lc	PROPN
ajbmeb-1250	212	20	1	1	NUM
ajbmeb-1250	212	21	2	2	NUM
ajbmeb-1250	212	22	u	u	NOUN
ajbmeb-1250	212	23	ni	ni	PROPN
ajbmeb-1250	212	24	on	on	ADP
ajbmeb-1250	212	25	b	b	PROPN
ajbmeb-1250	212	26	an	an	DET
ajbmeb-1250	212	27	k	k	NOUN
ajbmeb-1250	212	28	of	of	ADP
ajbmeb-1250	212	29	n	n	PRON
ajbmeb-1250	212	30	ig	ig	PROPN
ajbmeb-1250	212	31	er	er	INTJ
ajbmeb-1250	212	32	ia	ia	PROPN
ajbmeb-1250	213	1	p	p	PROPN
ajbmeb-1250	213	2	lc	lc	PROPN
ajbmeb-1250	213	3	1	1	NUM
ajbmeb-1250	213	4	5	5	NUM
ajbmeb-1250	213	5	u	u	NOUN
ajbmeb-1250	213	6	ni	ni	PROPN
ajbmeb-1250	213	7	on	on	ADP
ajbmeb-1250	213	8	b	b	PROPN
ajbmeb-1250	213	9	an	an	DET
ajbmeb-1250	213	10	k	k	NOUN
ajbmeb-1250	213	11	of	of	ADP
ajbmeb-1250	213	12	n	n	PRON
ajbmeb-1250	213	13	ig	ig	PROPN
ajbmeb-1250	213	14	er	er	INTJ
ajbmeb-1250	213	15	ia	ia	PROPN
ajbmeb-1250	214	1	p	p	PROPN
ajbmeb-1250	214	2	lc	lc	PROPN
ajbmeb-1250	214	3	1	1	NUM
ajbmeb-1250	214	4	8	8	NUM
ajbmeb-1250	214	5	u	u	NOUN
ajbmeb-1250	214	6	b	b	NOUN
ajbmeb-1250	214	7	a	a	DET
ajbmeb-1250	214	8	1	1	NUM
ajbmeb-1250	214	9	0	0	NUM
ajbmeb-1250	214	10	u	u	NOUN
ajbmeb-1250	214	11	b	b	PROPN
ajbmeb-1250	214	12	a	a	DET
ajbmeb-1250	214	13	1	1	NUM
ajbmeb-1250	214	14	3	3	NUM
ajbmeb-1250	214	15	u	u	NOUN
ajbmeb-1250	214	16	b	b	PROPN
ajbmeb-1250	214	17	a	a	DET
ajbmeb-1250	214	18	1	1	NUM
ajbmeb-1250	214	19	6	6	NUM
ajbmeb-1250	214	20	u	u	NOUN
ajbmeb-1250	214	21	b	b	NOUN
ajbmeb-1250	214	22	a	a	DET
ajbmeb-1250	214	23	1	1	NUM
ajbmeb-1250	214	24	9	9	NUM
ajbmeb-1250	214	25	z	z	NOUN
ajbmeb-1250	214	26	en	en	ADP
ajbmeb-1250	214	27	ith	ith	PROPN
ajbmeb-1250	214	28	b	b	PROPN
ajbmeb-1250	214	29	an	an	DET
ajbmeb-1250	214	30	k	k	X
ajbmeb-1250	214	31	p	p	X
ajbmeb-1250	214	32	lc	lc	PROPN
ajbmeb-1250	214	33	1	1	NUM
ajbmeb-1250	214	34	1	1	NUM
ajbmeb-1250	214	35	z	z	NOUN
ajbmeb-1250	214	36	en	en	ADP
ajbmeb-1250	214	37	ith	ith	PROPN
ajbmeb-1250	214	38	b	b	PROPN
ajbmeb-1250	214	39	an	an	DET
ajbmeb-1250	214	40	k	k	X
ajbmeb-1250	214	41	p	p	X
ajbmeb-1250	214	42	lc	lc	PROPN
ajbmeb-1250	214	43	1	1	NUM
ajbmeb-1250	214	44	4	4	NUM
ajbmeb-1250	214	45	z	z	NOUN
ajbmeb-1250	214	46	en	en	ADP
ajbmeb-1250	214	47	ith	ith	PROPN
ajbmeb-1250	214	48	b	b	PROPN
ajbmeb-1250	214	49	an	an	DET
ajbmeb-1250	214	50	k	k	X
ajbmeb-1250	214	51	p	p	X
ajbmeb-1250	214	52	lc	lc	PROPN
ajbmeb-1250	214	53	1	1	NUM
ajbmeb-1250	214	54	7	7	NUM
ajbmeb-1250	214	55	z	z	NOUN
ajbmeb-1250	214	56	en	en	ADP
ajbmeb-1250	214	57	ith	ith	PROPN
ajbmeb-1250	214	58	b	b	PROPN
ajbmeb-1250	214	59	an	an	DET
ajbmeb-1250	214	60	k	k	X
ajbmeb-1250	214	61	p	p	X
ajbmeb-1250	214	62	lc	lc	PROPN
ajbmeb-1250	214	63	2	2	NUM
ajbmeb-1250	214	64	0	0	NUM
ajbmeb-1250	214	65	lqm	lqm	PROPN
ajbmeb-1250	214	66	american	american	PROPN
ajbmeb-1250	214	67	journal	journal	PROPN
ajbmeb-1250	214	68	of	of	ADP
ajbmeb-1250	214	69	business	business	NOUN
ajbmeb-1250	214	70	management	management	NOUN
ajbmeb-1250	214	71	,	,	PUNCT
ajbmeb-1250	214	72	economics	economic	NOUN
ajbmeb-1250	214	73	and	and	CCONJ
ajbmeb-1250	214	74	banking	banking	NOUN
ajbmeb-1250	214	75	volume	volume	NOUN
ajbmeb-1250	214	76	16	16	NUM
ajbmeb-1250	214	77	sep	sep	PROPN
ajbmeb-1250	214	78	,	,	PUNCT
ajbmeb-1250	214	79	2023	2023	NUM
ajbmeb-1250	214	80	p	p	NOUN
ajbmeb-1250	214	81	a	a	DET
ajbmeb-1250	214	82	g	g	NOUN
ajbmeb-1250	214	83	e	e	NOUN
ajbmeb-1250	214	84	|	|	ADV
ajbmeb-1250	214	85	222	222	NUM
ajbmeb-1250	214	86	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	214	87	cross	cross	NOUN
ajbmeb-1250	214	88	-	-	ADJ
ajbmeb-1250	214	89	sections	section	NOUN
ajbmeb-1250	214	90	included	include	VERB
ajbmeb-1250	214	91	:	:	PUNCT
ajbmeb-1250	214	92	8	8	NUM
ajbmeb-1250	214	93	total	total	NOUN
ajbmeb-1250	214	94	panel	panel	NOUN
ajbmeb-1250	214	95	(	(	PUNCT
ajbmeb-1250	214	96	unbalanced	unbalanced	ADJ
ajbmeb-1250	214	97	)	)	PUNCT
ajbmeb-1250	214	98	observations	observation	NOUN
ajbmeb-1250	214	99	:	:	PUNCT
ajbmeb-1250	214	100	88	88	NUM
ajbmeb-1250	214	101	variable	variable	ADJ
ajbmeb-1250	214	102	coefficient	coefficient	NOUN
ajbmeb-1250	214	103	std	std	NOUN
ajbmeb-1250	214	104	.	.	NOUN
ajbmeb-1250	214	105	error	error	NOUN
ajbmeb-1250	214	106	t	t	NOUN
ajbmeb-1250	214	107	-	-	PUNCT
ajbmeb-1250	214	108	statistic	statistic	NOUN
ajbmeb-1250	214	109	prob	prob	NOUN
ajbmeb-1250	214	110	.	.	PUNCT
ajbmeb-1250	215	1	c	c	PROPN
ajbmeb-1250	215	2	4.236831	4.236831	NUM
ajbmeb-1250	215	3	0.494621	0.494621	NUM
ajbmeb-1250	215	4	9.153632	9.153632	NUM
ajbmeb-1250	215	5	0.0000	0.0000	NUM
ajbmeb-1250	215	6	d(lqm	d(lqm	PROPN
ajbmeb-1250	215	7	)	)	PUNCT
ajbmeb-1250	215	8	-1.09e-07	-1.09e-07	NOUN
ajbmeb-1250	215	9	3.37e-07	3.37e-07	NUM
ajbmeb-1250	215	10	-0.455341	-0.455341	NOUN
ajbmeb-1250	215	11	0.5473	0.5473	NUM
ajbmeb-1250	215	12	r	r	NOUN
ajbmeb-1250	215	13	-	-	PUNCT
ajbmeb-1250	215	14	squared	square	VERB
ajbmeb-1250	215	15	0.373395	0.373395	NUM
ajbmeb-1250	215	16	mean	mean	NOUN
ajbmeb-1250	215	17	dependent	dependent	ADJ
ajbmeb-1250	215	18	var	var	NOUN
ajbmeb-1250	215	19	7.530775	7.530775	NUM
ajbmeb-1250	215	20	adjusted	adjust	VERB
ajbmeb-1250	215	21	r	r	NOUN
ajbmeb-1250	215	22	-	-	PUNCT
ajbmeb-1250	215	23	squared	square	VERB
ajbmeb-1250	215	24	0.343700	0.343700	NUM
ajbmeb-1250	215	25	s.d	s.d	PROPN
ajbmeb-1250	215	26	.	.	PUNCT
ajbmeb-1250	216	1	dependent	dependent	ADJ
ajbmeb-1250	216	2	var	var	PROPN
ajbmeb-1250	216	3	10.59331	10.59331	NUM
ajbmeb-1250	216	4	s.e	s.e	PROPN
ajbmeb-1250	216	5	.	.	PROPN
ajbmeb-1250	216	6	of	of	ADP
ajbmeb-1250	216	7	regression	regression	NOUN
ajbmeb-1250	216	8	10.51333	10.51333	NUM
ajbmeb-1250	216	9	akaike	akaike	ADJ
ajbmeb-1250	216	10	info	info	NOUN
ajbmeb-1250	216	11	criterion	criterion	NOUN
ajbmeb-1250	216	12	7.559771	7.559771	NUM
ajbmeb-1250	216	13	sum	sum	NOUN
ajbmeb-1250	216	14	squared	square	VERB
ajbmeb-1250	216	15	resid	resid	NOUN
ajbmeb-1250	216	16	73541.79	73541.79	NUM
ajbmeb-1250	216	17	schwarz	schwarz	NOUN
ajbmeb-1250	216	18	criterion	criterion	NOUN
ajbmeb-1250	216	19	7.504350	7.504350	NUM
ajbmeb-1250	216	20	log	log	NOUN
ajbmeb-1250	216	21	likelihood	likelihood	NOUN
ajbmeb-1250	216	22	-3451.391	-3451.391	PUNCT
ajbmeb-1250	216	23	hannan	hannan	PROPN
ajbmeb-1250	216	24	-	-	PUNCT
ajbmeb-1250	216	25	quinn	quinn	PROPN
ajbmeb-1250	216	26	criter	criter	NOUN
ajbmeb-1250	216	27	.	.	PUNCT
ajbmeb-1250	217	1	7.573145	7.573145	NUM
ajbmeb-1250	217	2	f	f	X
ajbmeb-1250	217	3	-	-	PUNCT
ajbmeb-1250	217	4	statistic	statistic	ADJ
ajbmeb-1250	217	5	0.375757	0.375757	NUM
ajbmeb-1250	217	6	durbin	durbin	ADJ
ajbmeb-1250	217	7	-	-	PUNCT
ajbmeb-1250	217	8	watson	watson	NOUN
ajbmeb-1250	217	9	stat	stat	NOUN
ajbmeb-1250	217	10	0.940150	0.940150	NUM
ajbmeb-1250	217	11	prob(f	prob(f	NOUN
ajbmeb-1250	217	12	-	-	PUNCT
ajbmeb-1250	217	13	statistic	statistic	NOUN
ajbmeb-1250	217	14	)	)	PUNCT
ajbmeb-1250	217	15	0.717173	0.717173	NUM
ajbmeb-1250	217	16	table	table	NOUN
ajbmeb-1250	217	17	2	2	NUM
ajbmeb-1250	217	18	above	above	ADV
ajbmeb-1250	217	19	shows	show	VERB
ajbmeb-1250	217	20	the	the	DET
ajbmeb-1250	217	21	pooled	pooled	ADJ
ajbmeb-1250	217	22	effect	effect	NOUN
ajbmeb-1250	217	23	of	of	ADP
ajbmeb-1250	217	24	the	the	DET
ajbmeb-1250	217	25	third	third	ADJ
ajbmeb-1250	217	26	model	model	NOUN
ajbmeb-1250	217	27	(	(	PUNCT
ajbmeb-1250	217	28	return	return	NOUN
ajbmeb-1250	217	29	on	on	ADP
ajbmeb-1250	217	30	equity	equity	NOUN
ajbmeb-1250	217	31	)	)	PUNCT
ajbmeb-1250	217	32	.	.	PUNCT
ajbmeb-1250	218	1	the	the	DET
ajbmeb-1250	218	2	r	r	NOUN
ajbmeb-1250	218	3	-	-	PUNCT
ajbmeb-1250	218	4	square	square	ADJ
ajbmeb-1250	218	5	value	value	NOUN
ajbmeb-1250	218	6	of	of	ADP
ajbmeb-1250	218	7	0.373395	0.373395	NUM
ajbmeb-1250	218	8	shows	show	VERB
ajbmeb-1250	218	9	that	that	SCONJ
ajbmeb-1250	218	10	,	,	PUNCT
ajbmeb-1250	218	11	in	in	ADP
ajbmeb-1250	218	12	this	this	DET
ajbmeb-1250	218	13	effect	effect	NOUN
ajbmeb-1250	218	14	,	,	PUNCT
ajbmeb-1250	218	15	all	all	DET
ajbmeb-1250	218	16	employed	employ	VERB
ajbmeb-1250	218	17	predictor	predictor	NOUN
ajbmeb-1250	218	18	variables	variable	NOUN
ajbmeb-1250	218	19	such	such	ADJ
ajbmeb-1250	218	20	as	as	ADP
ajbmeb-1250	218	21	capital	capital	NOUN
ajbmeb-1250	218	22	adequacy	adequacy	NOUN
ajbmeb-1250	218	23	ratio	ratio	NOUN
ajbmeb-1250	218	24	(	(	PUNCT
ajbmeb-1250	218	25	car	car	NOUN
ajbmeb-1250	218	26	)	)	PUNCT
ajbmeb-1250	218	27	,	,	PUNCT
ajbmeb-1250	218	28	liquidity	liquidity	NOUN
ajbmeb-1250	218	29	management	management	NOUN
ajbmeb-1250	218	30	ratio(lqm	ratio(lqm	PROPN
ajbmeb-1250	218	31	,	,	PUNCT
ajbmeb-1250	218	32	account	account	VERB
ajbmeb-1250	218	33	for	for	ADP
ajbmeb-1250	218	34	only	only	ADV
ajbmeb-1250	218	35	34.37	34.37	NUM
ajbmeb-1250	218	36	%	%	NOUN
ajbmeb-1250	218	37	of	of	ADP
ajbmeb-1250	218	38	variations	variation	NOUN
ajbmeb-1250	218	39	in	in	ADP
ajbmeb-1250	218	40	the	the	DET
ajbmeb-1250	218	41	dependent	dependent	ADJ
ajbmeb-1250	218	42	variable	variable	ADJ
ajbmeb-1250	218	43	i.e.	i.e.	X
ajbmeb-1250	218	44	financial	financial	ADJ
ajbmeb-1250	218	45	performance	performance	NOUN
ajbmeb-1250	218	46	as	as	SCONJ
ajbmeb-1250	218	47	measured	measure	VERB
ajbmeb-1250	218	48	using	use	VERB
ajbmeb-1250	218	49	the	the	DET
ajbmeb-1250	218	50	return	return	NOUN
ajbmeb-1250	218	51	on	on	ADP
ajbmeb-1250	218	52	equity	equity	NOUN
ajbmeb-1250	218	53	of	of	ADP
ajbmeb-1250	218	54	the	the	DET
ajbmeb-1250	218	55	sampled	sample	VERB
ajbmeb-1250	218	56	8	8	NUM
ajbmeb-1250	218	57	deposit	deposit	NOUN
ajbmeb-1250	218	58	money	money	NOUN
ajbmeb-1250	218	59	banks	bank	NOUN
ajbmeb-1250	218	60	.	.	PUNCT
ajbmeb-1250	219	1	the	the	DET
ajbmeb-1250	219	2	durbin	durbin	PROPN
ajbmeb-1250	219	3	-	-	PUNCT
ajbmeb-1250	219	4	watson	watson	PROPN
ajbmeb-1250	219	5	statistics	statistic	NOUN
ajbmeb-1250	219	6	value	value	NOUN
ajbmeb-1250	219	7	of	of	ADP
ajbmeb-1250	219	8	0.940150	0.940150	PROPN
ajbmeb-1250	219	9	is	be	AUX
ajbmeb-1250	219	10	seen	see	VERB
ajbmeb-1250	219	11	to	to	PART
ajbmeb-1250	219	12	be	be	AUX
ajbmeb-1250	219	13	very	very	ADV
ajbmeb-1250	219	14	low	low	ADJ
ajbmeb-1250	219	15	and	and	CCONJ
ajbmeb-1250	219	16	shows	show	VERB
ajbmeb-1250	219	17	positive	positive	ADJ
ajbmeb-1250	219	18	serial	serial	ADJ
ajbmeb-1250	219	19	correlation	correlation	NOUN
ajbmeb-1250	219	20	which	which	PRON
ajbmeb-1250	219	21	is	be	AUX
ajbmeb-1250	219	22	bad	bad	ADJ
ajbmeb-1250	219	23	and	and	CCONJ
ajbmeb-1250	219	24	shows	show	VERB
ajbmeb-1250	219	25	overlap	overlap	NOUN
ajbmeb-1250	219	26	between	between	ADP
ajbmeb-1250	219	27	the	the	DET
ajbmeb-1250	219	28	trends	trend	NOUN
ajbmeb-1250	219	29	of	of	ADP
ajbmeb-1250	219	30	the	the	DET
ajbmeb-1250	219	31	employed	employ	VERB
ajbmeb-1250	219	32	predictor	predictor	NOUN
ajbmeb-1250	219	33	variables	variable	NOUN
ajbmeb-1250	219	34	.	.	PUNCT
ajbmeb-1250	220	1	the	the	DET
ajbmeb-1250	220	2	f	f	PROPN
ajbmeb-1250	220	3	-	-	PUNCT
ajbmeb-1250	220	4	statistics	statistic	NOUN
ajbmeb-1250	220	5	value	value	NOUN
ajbmeb-1250	220	6	of	of	ADP
ajbmeb-1250	220	7	0.375757	0.375757	NUM
ajbmeb-1250	220	8	at	at	ADP
ajbmeb-1250	220	9	a	a	DET
ajbmeb-1250	220	10	probability	probability	NOUN
ajbmeb-1250	220	11	value	value	NOUN
ajbmeb-1250	220	12	of	of	ADP
ajbmeb-1250	220	13	0.717173	0.717173	NUM
ajbmeb-1250	220	14	which	which	PRON
ajbmeb-1250	220	15	is	be	AUX
ajbmeb-1250	220	16	greater	great	ADJ
ajbmeb-1250	220	17	than	than	ADP
ajbmeb-1250	220	18	the	the	DET
ajbmeb-1250	220	19	0.05	0.05	NUM
ajbmeb-1250	220	20	significance	significance	NOUN
ajbmeb-1250	220	21	level	level	NOUN
ajbmeb-1250	220	22	shows	show	VERB
ajbmeb-1250	220	23	a	a	DET
ajbmeb-1250	220	24	weak	weak	ADJ
ajbmeb-1250	220	25	model	model	NOUN
ajbmeb-1250	220	26	.	.	PUNCT
ajbmeb-1250	221	1	from	from	ADP
ajbmeb-1250	221	2	the	the	DET
ajbmeb-1250	221	3	coefficients	coefficient	NOUN
ajbmeb-1250	221	4	and	and	CCONJ
ajbmeb-1250	221	5	significance	significance	NOUN
ajbmeb-1250	221	6	level	level	NOUN
ajbmeb-1250	221	7	,	,	PUNCT
ajbmeb-1250	221	8	the	the	DET
ajbmeb-1250	221	9	study	study	NOUN
ajbmeb-1250	221	10	observes	observe	VERB
ajbmeb-1250	221	11	that	that	SCONJ
ajbmeb-1250	221	12	;	;	PUNCT
ajbmeb-1250	221	13	capital	capital	NOUN
ajbmeb-1250	221	14	adequacy	adequacy	NOUN
ajbmeb-1250	221	15	ratio	ratio	NOUN
ajbmeb-1250	221	16	(	(	PUNCT
ajbmeb-1250	221	17	car	car	NOUN
ajbmeb-1250	221	18	)	)	PUNCT
ajbmeb-1250	221	19	shows	show	VERB
ajbmeb-1250	221	20	a	a	DET
ajbmeb-1250	221	21	positive	positive	ADJ
ajbmeb-1250	221	22	(	(	PUNCT
ajbmeb-1250	221	23	7.77e-05	7.77e-05	NUM
ajbmeb-1250	221	24	)	)	PUNCT
ajbmeb-1250	221	25	but	but	CCONJ
ajbmeb-1250	221	26	insignificant	insignificant	ADJ
ajbmeb-1250	221	27	(	(	PUNCT
ajbmeb-1250	221	28	0.4445	0.4445	NUM
ajbmeb-1250	221	29	>	>	SYM
ajbmeb-1250	221	30	0.05	0.05	NUM
ajbmeb-1250	221	31	)	)	PUNCT
ajbmeb-1250	221	32	influence	influence	NOUN
ajbmeb-1250	221	33	on	on	ADP
ajbmeb-1250	221	34	the	the	DET
ajbmeb-1250	221	35	return	return	NOUN
ajbmeb-1250	221	36	on	on	ADP
ajbmeb-1250	221	37	equity	equity	NOUN
ajbmeb-1250	221	38	of	of	ADP
ajbmeb-1250	221	39	sampled	sample	VERB
ajbmeb-1250	221	40	deposit	deposit	NOUN
ajbmeb-1250	221	41	money	money	NOUN
ajbmeb-1250	221	42	banks	bank	NOUN
ajbmeb-1250	221	43	over	over	ADP
ajbmeb-1250	221	44	the	the	DET
ajbmeb-1250	221	45	study	study	NOUN
ajbmeb-1250	221	46	period	period	NOUN
ajbmeb-1250	221	47	,	,	PUNCT
ajbmeb-1250	221	48	which	which	PRON
ajbmeb-1250	221	49	means	mean	VERB
ajbmeb-1250	221	50	that	that	SCONJ
ajbmeb-1250	221	51	,	,	PUNCT
ajbmeb-1250	221	52	a	a	DET
ajbmeb-1250	221	53	unit	unit	NOUN
ajbmeb-1250	221	54	increase	increase	NOUN
ajbmeb-1250	221	55	in	in	ADP
ajbmeb-1250	221	56	capital	capital	NOUN
ajbmeb-1250	221	57	adequacy	adequacy	NOUN
ajbmeb-1250	221	58	ratio	ratio	NOUN
ajbmeb-1250	221	59	(	(	PUNCT
ajbmeb-1250	221	60	car	car	NOUN
ajbmeb-1250	221	61	)	)	PUNCT
ajbmeb-1250	221	62	is	be	AUX
ajbmeb-1250	221	63	likely	likely	ADJ
ajbmeb-1250	221	64	to	to	PART
ajbmeb-1250	221	65	have	have	VERB
ajbmeb-1250	221	66	a	a	DET
ajbmeb-1250	221	67	7.77e-05	7.77e-05	NUM
ajbmeb-1250	221	68	unit	unit	NOUN
ajbmeb-1250	221	69	increase	increase	NOUN
ajbmeb-1250	221	70	in	in	ADP
ajbmeb-1250	221	71	roe	roe	PROPN
ajbmeb-1250	221	72	.	.	PUNCT
ajbmeb-1250	222	1	liquidity	liquidity	NOUN
ajbmeb-1250	222	2	management	management	NOUN
ajbmeb-1250	222	3	ratio	ratio	NOUN
ajbmeb-1250	222	4	(	(	PUNCT
ajbmeb-1250	222	5	lqm	lqm	PROPN
ajbmeb-1250	222	6	)	)	PUNCT
ajbmeb-1250	222	7	shows	show	VERB
ajbmeb-1250	222	8	a	a	DET
ajbmeb-1250	222	9	negative	negative	ADJ
ajbmeb-1250	222	10	(	(	PUNCT
ajbmeb-1250	222	11	-1.09e-07	-1.09e-07	NOUN
ajbmeb-1250	222	12	)	)	PUNCT
ajbmeb-1250	222	13	and	and	CCONJ
ajbmeb-1250	222	14	insignificant	insignificant	ADJ
ajbmeb-1250	222	15	(	(	PUNCT
ajbmeb-1250	222	16	0.5473	0.5473	NUM
ajbmeb-1250	222	17	>	>	X
ajbmeb-1250	222	18	0.05	0.05	NUM
ajbmeb-1250	222	19	)	)	PUNCT
ajbmeb-1250	222	20	influence	influence	NOUN
ajbmeb-1250	222	21	on	on	ADP
ajbmeb-1250	222	22	the	the	DET
ajbmeb-1250	222	23	return	return	NOUN
ajbmeb-1250	222	24	on	on	ADP
ajbmeb-1250	222	25	equity	equity	NOUN
ajbmeb-1250	222	26	of	of	ADP
ajbmeb-1250	222	27	sampled	sample	VERB
ajbmeb-1250	222	28	deposit	deposit	NOUN
ajbmeb-1250	222	29	money	money	NOUN
ajbmeb-1250	222	30	banks	bank	NOUN
ajbmeb-1250	222	31	,	,	PUNCT
ajbmeb-1250	222	32	which	which	PRON
ajbmeb-1250	222	33	shows	show	VERB
ajbmeb-1250	222	34	that	that	SCONJ
ajbmeb-1250	222	35	,	,	PUNCT
ajbmeb-1250	222	36	a	a	DET
ajbmeb-1250	222	37	unit	unit	NOUN
ajbmeb-1250	222	38	increase	increase	NOUN
ajbmeb-1250	222	39	in	in	ADP
ajbmeb-1250	222	40	liquidity	liquidity	NOUN
ajbmeb-1250	222	41	management	management	NOUN
ajbmeb-1250	222	42	ratio	ratio	NOUN
ajbmeb-1250	222	43	(	(	PUNCT
ajbmeb-1250	222	44	lqm	lqm	PROPN
ajbmeb-1250	222	45	)	)	PUNCT
ajbmeb-1250	222	46	is	be	AUX
ajbmeb-1250	222	47	likely	likely	ADJ
ajbmeb-1250	222	48	to	to	PART
ajbmeb-1250	222	49	have	have	VERB
ajbmeb-1250	222	50	a	a	DET
ajbmeb-1250	222	51	-1.09e-07	-1.09e-07	ADJ
ajbmeb-1250	222	52	unit	unit	NOUN
ajbmeb-1250	222	53	decrease	decrease	NOUN
ajbmeb-1250	222	54	in	in	ADP
ajbmeb-1250	222	55	roe	roe	PROPN
ajbmeb-1250	222	56	.	.	PUNCT
ajbmeb-1250	223	1	fixed	fix	VERB
ajbmeb-1250	223	2	effect	effect	NOUN
ajbmeb-1250	223	3	(	(	PUNCT
ajbmeb-1250	223	4	model	model	NOUN
ajbmeb-1250	223	5	1	1	NUM
ajbmeb-1250	223	6	)	)	PUNCT
ajbmeb-1250	223	7	effects	effect	NOUN
ajbmeb-1250	223	8	are	be	AUX
ajbmeb-1250	223	9	fixed	fix	VERB
ajbmeb-1250	223	10	if	if	SCONJ
ajbmeb-1250	223	11	they	they	PRON
ajbmeb-1250	223	12	are	be	AUX
ajbmeb-1250	223	13	interesting	interesting	ADJ
ajbmeb-1250	223	14	in	in	ADP
ajbmeb-1250	223	15	themselves	themselves	PRON
ajbmeb-1250	223	16	or	or	CCONJ
ajbmeb-1250	223	17	random	random	ADJ
ajbmeb-1250	223	18	if	if	SCONJ
ajbmeb-1250	223	19	there	there	PRON
ajbmeb-1250	223	20	is	be	VERB
ajbmeb-1250	223	21	interest	interest	NOUN
ajbmeb-1250	223	22	in	in	ADP
ajbmeb-1250	223	23	the	the	DET
ajbmeb-1250	223	24	underlying	underlie	VERB
ajbmeb-1250	223	25	population	population	NOUN
ajbmeb-1250	223	26	.	.	PUNCT
ajbmeb-1250	224	1	therefore	therefore	ADV
ajbmeb-1250	224	2	,	,	PUNCT
ajbmeb-1250	224	3	the	the	DET
ajbmeb-1250	224	4	fixed	fix	VERB
ajbmeb-1250	224	5	effect	effect	NOUN
ajbmeb-1250	224	6	seeks	seek	VERB
ajbmeb-1250	224	7	to	to	PART
ajbmeb-1250	224	8	evaluate	evaluate	VERB
ajbmeb-1250	224	9	the	the	DET
ajbmeb-1250	224	10	model	model	NOUN
ajbmeb-1250	224	11	considering	consider	VERB
ajbmeb-1250	224	12	each	each	DET
ajbmeb-1250	224	13	case	case	NOUN
ajbmeb-1250	224	14	(	(	PUNCT
ajbmeb-1250	224	15	deposit	deposit	NOUN
ajbmeb-1250	224	16	money	money	NOUN
ajbmeb-1250	224	17	banks	bank	NOUN
ajbmeb-1250	224	18	effect	effect	VERB
ajbmeb-1250	224	19	)	)	PUNCT
ajbmeb-1250	224	20	.	.	PUNCT
ajbmeb-1250	225	1	this	this	PRON
ajbmeb-1250	225	2	is	be	AUX
ajbmeb-1250	225	3	therefore	therefore	ADV
ajbmeb-1250	225	4	presented	present	VERB
ajbmeb-1250	225	5	as	as	SCONJ
ajbmeb-1250	225	6	follows	follow	VERB
ajbmeb-1250	225	7	;	;	PUNCT
ajbmeb-1250	225	8	table	table	NOUN
ajbmeb-1250	225	9	3	3	NUM
ajbmeb-1250	225	10	.	.	PUNCT
ajbmeb-1250	225	11	fixed	fix	VERB
ajbmeb-1250	225	12	effects	effect	NOUN
ajbmeb-1250	225	13	regression	regression	VERB
ajbmeb-1250	225	14	output	output	NOUN
ajbmeb-1250	225	15	for	for	ADP
ajbmeb-1250	225	16	model	model	NOUN
ajbmeb-1250	225	17	1	1	NUM
ajbmeb-1250	225	18	–	–	PUNCT
ajbmeb-1250	225	19	return	return	NOUN
ajbmeb-1250	225	20	on	on	ADP
ajbmeb-1250	225	21	equity	equity	NOUN
ajbmeb-1250	225	22	(	(	PUNCT
ajbmeb-1250	225	23	roe	roe	PROPN
ajbmeb-1250	225	24	)	)	PUNCT
ajbmeb-1250	225	25	.	.	PUNCT
ajbmeb-1250	226	1	dependent	dependent	ADJ
ajbmeb-1250	226	2	variable	variable	NOUN
ajbmeb-1250	226	3	:	:	PUNCT
ajbmeb-1250	226	4	d(roe	d(roe	PROPN
ajbmeb-1250	226	5	)	)	PUNCT
ajbmeb-1250	226	6	method	method	NOUN
ajbmeb-1250	226	7	:	:	PUNCT
ajbmeb-1250	226	8	panel	panel	NOUN
ajbmeb-1250	226	9	least	least	ADJ
ajbmeb-1250	226	10	squares	square	NOUN
ajbmeb-1250	226	11	date	date	NOUN
ajbmeb-1250	226	12	:	:	PUNCT
ajbmeb-1250	226	13	02/4/22	02/4/22	NUM
ajbmeb-1250	226	14	time	time	NOUN
ajbmeb-1250	226	15	:	:	PUNCT
ajbmeb-1250	226	16	08:45	08:45	NUM
ajbmeb-1250	226	17	sample	sample	NOUN
ajbmeb-1250	226	18	:	:	PUNCT
ajbmeb-1250	226	19	2010	2010	NUM
ajbmeb-1250	226	20	2020	2020	NUM
ajbmeb-1250	226	21	periods	period	NOUN
ajbmeb-1250	226	22	included	include	VERB
ajbmeb-1250	226	23	:	:	PUNCT
ajbmeb-1250	226	24	11	11	NUM
ajbmeb-1250	226	25	cross	cros	NOUN
ajbmeb-1250	226	26	-	-	NOUN
ajbmeb-1250	226	27	sections	section	NOUN
ajbmeb-1250	226	28	included	include	VERB
ajbmeb-1250	226	29	:	:	PUNCT
ajbmeb-1250	226	30	8	8	NUM
ajbmeb-1250	226	31	total	total	NOUN
ajbmeb-1250	226	32	panel	panel	NOUN
ajbmeb-1250	226	33	(	(	PUNCT
ajbmeb-1250	226	34	unbalanced	unbalanced	ADJ
ajbmeb-1250	226	35	)	)	PUNCT
ajbmeb-1250	226	36	observations	observation	NOUN
ajbmeb-1250	226	37	:	:	PUNCT
ajbmeb-1250	226	38	88	88	NUM
ajbmeb-1250	226	39	american	american	ADJ
ajbmeb-1250	226	40	journal	journal	PROPN
ajbmeb-1250	226	41	of	of	ADP
ajbmeb-1250	226	42	business	business	NOUN
ajbmeb-1250	226	43	management	management	NOUN
ajbmeb-1250	226	44	,	,	PUNCT
ajbmeb-1250	226	45	economics	economic	NOUN
ajbmeb-1250	226	46	and	and	CCONJ
ajbmeb-1250	226	47	banking	banking	NOUN
ajbmeb-1250	226	48	volume	volume	NOUN
ajbmeb-1250	226	49	16	16	NUM
ajbmeb-1250	226	50	sep	sep	PROPN
ajbmeb-1250	226	51	,	,	PUNCT
ajbmeb-1250	226	52	2023	2023	NUM
ajbmeb-1250	226	53	p	p	NOUN
ajbmeb-1250	226	54	a	a	DET
ajbmeb-1250	226	55	g	g	NOUN
ajbmeb-1250	226	56	e	e	NOUN
ajbmeb-1250	226	57	|	|	NOUN
ajbmeb-1250	226	58	223	223	NUM
ajbmeb-1250	226	59	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1250	226	60	variable	variable	ADJ
ajbmeb-1250	226	61	coefficient	coefficient	NOUN
ajbmeb-1250	226	62	std	std	NOUN
ajbmeb-1250	226	63	.	.	NOUN
ajbmeb-1250	226	64	error	error	NOUN
ajbmeb-1250	226	65	t	t	NOUN
ajbmeb-1250	226	66	-	-	PUNCT
ajbmeb-1250	226	67	statistic	statistic	NOUN
ajbmeb-1250	226	68	prob	prob	NOUN
ajbmeb-1250	226	69	.	.	PUNCT
ajbmeb-1250	227	1	c	c	PROPN
ajbmeb-1250	227	2	6.734016	6.734016	NUM
ajbmeb-1250	227	3	0.456544	0.456544	NUM
ajbmeb-1250	227	4	17.46165	17.46165	NUM
ajbmeb-1250	227	5	0.0000	0.0000	NUM
ajbmeb-1250	227	6	d(lqm	d(lqm	PROPN
ajbmeb-1250	227	7	)	)	PUNCT
ajbmeb-1250	227	8	6.56e-07	6.56e-07	NUM
ajbmeb-1250	227	9	1.64e-04	1.64e-04	NUM
ajbmeb-1250	227	10	0.357103	0.357103	NUM
ajbmeb-1250	227	11	0.7321	0.7321	NUM
ajbmeb-1250	227	12	effects	effect	NOUN
ajbmeb-1250	227	13	specification	specification	NOUN
ajbmeb-1250	227	14	cross	cross	ADJ
ajbmeb-1250	227	15	-	-	ADJ
ajbmeb-1250	227	16	section	section	NOUN
ajbmeb-1250	227	17	fixed	fix	VERB
ajbmeb-1250	227	18	(	(	PUNCT
ajbmeb-1250	227	19	dummy	dummy	ADJ
ajbmeb-1250	227	20	variables	variable	NOUN
ajbmeb-1250	227	21	)	)	PUNCT
ajbmeb-1250	227	22	r	r	X
ajbmeb-1250	227	23	-	-	PUNCT
ajbmeb-1250	227	24	squared	square	VERB
ajbmeb-1250	227	25	0.666566	0.666566	NUM
ajbmeb-1250	227	26	mean	mean	NOUN
ajbmeb-1250	227	27	dependent	dependent	ADJ
ajbmeb-1250	227	28	var	var	NOUN
ajbmeb-1250	228	1	6.630766	6.630766	NUM
ajbmeb-1250	228	2	adjusted	adjust	VERB
ajbmeb-1250	228	3	r	r	NOUN
ajbmeb-1250	228	4	-	-	PUNCT
ajbmeb-1250	228	5	squared	square	VERB
ajbmeb-1250	228	6	0.637641	0.637641	NUM
ajbmeb-1250	228	7	s.d	s.d	PROPN
ajbmeb-1250	228	8	.	.	PUNCT
ajbmeb-1250	228	9	dependent	dependent	ADJ
ajbmeb-1250	228	10	var	var	PROPN
ajbmeb-1250	228	11	10.57331	10.57331	NUM
ajbmeb-1250	228	12	s.e	s.e	PROPN
ajbmeb-1250	228	13	.	.	PROPN
ajbmeb-1250	228	14	of	of	ADP
ajbmeb-1250	228	15	regression	regression	NOUN
ajbmeb-1250	228	16	6.014334	6.014334	NUM
ajbmeb-1250	228	17	akaike	akaike	ADJ
ajbmeb-1250	228	18	info	info	NOUN
ajbmeb-1250	228	19	criterion	criterion	NOUN
ajbmeb-1250	228	20	7.101703	7.101703	NUM
ajbmeb-1250	228	21	sum	sum	NOUN
ajbmeb-1250	228	22	squared	square	VERB
ajbmeb-1250	228	23	resid	resid	NOUN
ajbmeb-1250	228	24	37167.76	37167.76	NUM
ajbmeb-1250	228	25	schwarz	schwarz	NOUN
ajbmeb-1250	228	26	criterion	criterion	NOUN
ajbmeb-1250	228	27	7.564614	7.564614	NUM
ajbmeb-1250	228	28	log	log	NOUN
ajbmeb-1250	228	29	likelihood	likelihood	NOUN
ajbmeb-1250	228	30	-3334.567	-3334.567	PUNCT
ajbmeb-1250	228	31	hannan	hannan	PROPN
ajbmeb-1250	228	32	-	-	PUNCT
ajbmeb-1250	228	33	quinn	quinn	PROPN
ajbmeb-1250	228	34	criter	criter	NOUN
ajbmeb-1250	228	35	.	.	PUNCT
ajbmeb-1250	229	1	7.367147	7.367147	NUM
ajbmeb-1250	229	2	f	f	X
ajbmeb-1250	229	3	-	-	PUNCT
ajbmeb-1250	229	4	statistic	statistic	ADJ
ajbmeb-1250	229	5	6.016753	6.016753	NUM
ajbmeb-1250	229	6	durbin	durbin	ADJ
ajbmeb-1250	229	7	-	-	PUNCT
ajbmeb-1250	229	8	watson	watson	NOUN
ajbmeb-1250	229	9	stat	stat	NOUN
ajbmeb-1250	229	10	1.633136	1.633136	NUM
ajbmeb-1250	229	11	prob(f	prob(f	NOUN
ajbmeb-1250	229	12	-	-	PUNCT
ajbmeb-1250	229	13	statistic	statistic	NOUN
ajbmeb-1250	229	14	)	)	PUNCT
ajbmeb-1250	229	15	0.000000	0.000000	NUM
ajbmeb-1250	229	16	table	table	NOUN
ajbmeb-1250	229	17	3	3	NUM
ajbmeb-1250	229	18	above	above	ADV
ajbmeb-1250	229	19	shows	show	VERB
ajbmeb-1250	229	20	the	the	DET
ajbmeb-1250	229	21	fixed	fix	VERB
ajbmeb-1250	229	22	effect	effect	NOUN
ajbmeb-1250	229	23	of	of	ADP
ajbmeb-1250	229	24	the	the	DET
ajbmeb-1250	229	25	third	third	ADJ
ajbmeb-1250	229	26	model	model	NOUN
ajbmeb-1250	229	27	(	(	PUNCT
ajbmeb-1250	229	28	roe	roe	NOUN
ajbmeb-1250	229	29	)	)	PUNCT
ajbmeb-1250	229	30	.	.	PUNCT
ajbmeb-1250	230	1	the	the	DET
ajbmeb-1250	230	2	r	r	NOUN
ajbmeb-1250	230	3	-	-	PUNCT
ajbmeb-1250	230	4	square	square	ADJ
ajbmeb-1250	230	5	value	value	NOUN
ajbmeb-1250	230	6	of	of	ADP
ajbmeb-1250	230	7	0.666566	0.666566	NUM
ajbmeb-1250	230	8	shows	show	VERB
ajbmeb-1250	230	9	that	that	SCONJ
ajbmeb-1250	230	10	,	,	PUNCT
ajbmeb-1250	230	11	in	in	ADP
ajbmeb-1250	230	12	this	this	DET
ajbmeb-1250	230	13	effect	effect	NOUN
ajbmeb-1250	230	14	,	,	PUNCT
ajbmeb-1250	230	15	employed	employ	VERB
ajbmeb-1250	230	16	independent	independent	ADJ
ajbmeb-1250	230	17	variables	variable	NOUN
ajbmeb-1250	230	18	(	(	PUNCT
ajbmeb-1250	230	19	i.e.	i.e.	X
ajbmeb-1250	230	20	liquidity	liquidity	NOUN
ajbmeb-1250	230	21	management	management	NOUN
ajbmeb-1250	230	22	ratio	ratio	NOUN
ajbmeb-1250	230	23	(	(	PUNCT
ajbmeb-1250	230	24	lqm	lqm	PROPN
ajbmeb-1250	230	25	)	)	PUNCT
ajbmeb-1250	230	26	,	,	PUNCT
ajbmeb-1250	230	27	account	account	VERB
ajbmeb-1250	230	28	for	for	ADP
ajbmeb-1250	230	29	only	only	ADV
ajbmeb-1250	230	30	66.66	66.66	NUM
ajbmeb-1250	230	31	%	%	NOUN
ajbmeb-1250	230	32	of	of	ADP
ajbmeb-1250	230	33	variations	variation	NOUN
ajbmeb-1250	230	34	in	in	ADP
ajbmeb-1250	230	35	the	the	DET
ajbmeb-1250	230	36	dependent	dependent	ADJ
ajbmeb-1250	230	37	variable	variable	ADJ
ajbmeb-1250	230	38	i.e.	i.e.	X
ajbmeb-1250	230	39	financial	financial	ADJ
ajbmeb-1250	230	40	performance	performance	NOUN
ajbmeb-1250	230	41	as	as	SCONJ
ajbmeb-1250	230	42	measured	measure	VERB
ajbmeb-1250	230	43	using	use	VERB
ajbmeb-1250	230	44	the	the	DET
ajbmeb-1250	230	45	return	return	NOUN
ajbmeb-1250	230	46	on	on	ADP
ajbmeb-1250	230	47	equity	equity	NOUN
ajbmeb-1250	230	48	of	of	ADP
ajbmeb-1250	230	49	the	the	DET
ajbmeb-1250	230	50	sampled	sample	VERB
ajbmeb-1250	230	51	6	6	NUM
ajbmeb-1250	230	52	deposit	deposit	NOUN
ajbmeb-1250	230	53	money	money	NOUN
ajbmeb-1250	230	54	banks	bank	NOUN
ajbmeb-1250	230	55	.	.	PUNCT
ajbmeb-1250	231	1	the	the	DET
ajbmeb-1250	231	2	durbin	durbin	PROPN
ajbmeb-1250	231	3	-	-	PUNCT
ajbmeb-1250	231	4	watson	watson	PROPN
ajbmeb-1250	231	5	statistics	statistic	NOUN
ajbmeb-1250	231	6	value	value	NOUN
ajbmeb-1250	231	7	of	of	ADP
ajbmeb-1250	231	8	1.633136	1.633136	NUM
ajbmeb-1250	231	9	is	be	AUX
ajbmeb-1250	231	10	seen	see	VERB
ajbmeb-1250	231	11	to	to	PART
ajbmeb-1250	231	12	be	be	AUX
ajbmeb-1250	231	13	within	within	ADP
ajbmeb-1250	231	14	the	the	DET
ajbmeb-1250	231	15	relevant	relevant	ADJ
ajbmeb-1250	231	16	range	range	NOUN
ajbmeb-1250	231	17	and	and	CCONJ
ajbmeb-1250	231	18	therefore	therefore	ADV
ajbmeb-1250	231	19	shows	show	VERB
ajbmeb-1250	231	20	the	the	DET
ajbmeb-1250	231	21	presence	presence	NOUN
ajbmeb-1250	231	22	of	of	ADP
ajbmeb-1250	231	23	negative	negative	ADJ
ajbmeb-1250	231	24	serial	serial	ADJ
ajbmeb-1250	231	25	correlation	correlation	NOUN
ajbmeb-1250	231	26	which	which	PRON
ajbmeb-1250	231	27	is	be	AUX
ajbmeb-1250	231	28	acceptable	acceptable	ADJ
ajbmeb-1250	231	29	.	.	PUNCT
ajbmeb-1250	232	1	the	the	DET
ajbmeb-1250	232	2	f	f	PROPN
ajbmeb-1250	232	3	-	-	PUNCT
ajbmeb-1250	232	4	statistics	statistic	NOUN
ajbmeb-1250	232	5	value	value	NOUN
ajbmeb-1250	232	6	of	of	ADP
ajbmeb-1250	232	7	6.016753	6.016753	NUM
ajbmeb-1250	232	8	at	at	ADP
ajbmeb-1250	232	9	a	a	DET
ajbmeb-1250	232	10	probability	probability	NOUN
ajbmeb-1250	232	11	value	value	NOUN
ajbmeb-1250	232	12	of	of	ADP
ajbmeb-1250	232	13	0.000000	0.000000	NUM
ajbmeb-1250	232	14	which	which	PRON
ajbmeb-1250	232	15	is	be	AUX
ajbmeb-1250	232	16	less	less	ADJ
ajbmeb-1250	232	17	than	than	ADP
ajbmeb-1250	232	18	the	the	DET
ajbmeb-1250	232	19	0.05	0.05	NUM
ajbmeb-1250	232	20	significance	significance	NOUN
ajbmeb-1250	232	21	level	level	NOUN
ajbmeb-1250	232	22	and	and	CCONJ
ajbmeb-1250	232	23	therefore	therefore	ADV
ajbmeb-1250	232	24	shows	show	VERB
ajbmeb-1250	232	25	a	a	DET
ajbmeb-1250	232	26	viable	viable	ADJ
ajbmeb-1250	232	27	model	model	NOUN
ajbmeb-1250	232	28	.	.	PUNCT
ajbmeb-1250	233	1	liquidity	liquidity	NOUN
ajbmeb-1250	233	2	management	management	NOUN
ajbmeb-1250	233	3	ratio	ratio	NOUN
ajbmeb-1250	233	4	(	(	PUNCT
ajbmeb-1250	233	5	lqm	lqm	PROPN
ajbmeb-1250	233	6	)	)	PUNCT
ajbmeb-1250	233	7	shows	show	VERB
ajbmeb-1250	233	8	a	a	DET
ajbmeb-1250	233	9	positive	positive	ADJ
ajbmeb-1250	233	10	(	(	PUNCT
ajbmeb-1250	233	11	6.56e-07	6.56e-07	NUM
ajbmeb-1250	233	12	)	)	PUNCT
ajbmeb-1250	233	13	and	and	CCONJ
ajbmeb-1250	233	14	insignificant	insignificant	ADJ
ajbmeb-1250	233	15	(	(	PUNCT
ajbmeb-1250	233	16	0.7311	0.7311	NUM
ajbmeb-1250	233	17	>	>	SYM
ajbmeb-1250	233	18	0.05	0.05	NUM
ajbmeb-1250	233	19	)	)	PUNCT
ajbmeb-1250	233	20	influence	influence	NOUN
ajbmeb-1250	233	21	on	on	ADP
ajbmeb-1250	233	22	the	the	DET
ajbmeb-1250	233	23	return	return	NOUN
ajbmeb-1250	233	24	on	on	ADP
ajbmeb-1250	233	25	equity	equity	NOUN
ajbmeb-1250	233	26	of	of	ADP
ajbmeb-1250	233	27	sampled	sample	VERB
ajbmeb-1250	233	28	deposit	deposit	NOUN
ajbmeb-1250	233	29	money	money	NOUN
ajbmeb-1250	233	30	banks	bank	NOUN
ajbmeb-1250	233	31	,	,	PUNCT
ajbmeb-1250	233	32	which	which	PRON
ajbmeb-1250	233	33	shows	show	VERB
ajbmeb-1250	233	34	that	that	SCONJ
ajbmeb-1250	233	35	,	,	PUNCT
ajbmeb-1250	233	36	a	a	DET
ajbmeb-1250	233	37	unit	unit	NOUN
ajbmeb-1250	233	38	increase	increase	NOUN
ajbmeb-1250	233	39	in	in	ADP
ajbmeb-1250	233	40	liquidity	liquidity	NOUN
ajbmeb-1250	233	41	management	management	NOUN
ajbmeb-1250	233	42	ratio	ratio	NOUN
ajbmeb-1250	233	43	(	(	PUNCT
ajbmeb-1250	233	44	lqm	lqm	PROPN
ajbmeb-1250	233	45	)	)	PUNCT
ajbmeb-1250	233	46	is	be	AUX
ajbmeb-1250	233	47	likely	likely	ADJ
ajbmeb-1250	233	48	to	to	PART
ajbmeb-1250	233	49	have	have	VERB
ajbmeb-1250	233	50	a	a	DET
ajbmeb-1250	233	51	6.56e-07	6.56e-07	NUM
ajbmeb-1250	233	52	unit	unit	NOUN
ajbmeb-1250	233	53	increase	increase	NOUN
ajbmeb-1250	233	54	in	in	ADP
ajbmeb-1250	233	55	roe	roe	NOUN
ajbmeb-1250	233	56	.	.	PUNCT
ajbmeb-1250	234	1	the	the	DET
ajbmeb-1250	234	2	fixed	fix	VERB
ajbmeb-1250	234	3	effect	effect	NOUN
ajbmeb-1250	234	4	results	result	NOUN
ajbmeb-1250	234	5	can	can	AUX
ajbmeb-1250	234	6	not	not	PART
ajbmeb-1250	234	7	be	be	AUX
ajbmeb-1250	234	8	accepted	accept	VERB
ajbmeb-1250	234	9	without	without	ADP
ajbmeb-1250	234	10	the	the	DET
ajbmeb-1250	234	11	diagnosis	diagnosis	NOUN
ajbmeb-1250	234	12	test	test	NOUN
ajbmeb-1250	234	13	,	,	PUNCT
ajbmeb-1250	234	14	which	which	PRON
ajbmeb-1250	234	15	will	will	AUX
ajbmeb-1250	234	16	enable	enable	VERB
ajbmeb-1250	234	17	the	the	DET
ajbmeb-1250	234	18	determination	determination	NOUN
ajbmeb-1250	234	19	of	of	ADP
ajbmeb-1250	234	20	the	the	DET
ajbmeb-1250	234	21	optimal	optimal	ADJ
ajbmeb-1250	234	22	effect	effect	NOUN
ajbmeb-1250	234	23	.	.	PUNCT
ajbmeb-1250	235	1	we	we	PRON
ajbmeb-1250	235	2	therefore	therefore	ADV
ajbmeb-1250	235	3	proceed	proceed	VERB
ajbmeb-1250	235	4	to	to	ADP
ajbmeb-1250	235	5	the	the	DET
ajbmeb-1250	235	6	next	next	ADJ
ajbmeb-1250	235	7	effect	effect	NOUN
ajbmeb-1250	235	8	(	(	PUNCT
ajbmeb-1250	235	9	random	random	ADJ
ajbmeb-1250	235	10	effect	effect	NOUN
ajbmeb-1250	235	11	)	)	PUNCT
ajbmeb-1250	235	12	.	.	PUNCT
ajbmeb-1250	236	1	random	random	ADJ
ajbmeb-1250	236	2	effect	effect	NOUN
ajbmeb-1250	236	3	(	(	PUNCT
ajbmeb-1250	236	4	model	model	NOUN
ajbmeb-1250	236	5	3	3	NUM
ajbmeb-1250	236	6	)	)	PUNCT
ajbmeb-1250	236	7	random	random	ADJ
ajbmeb-1250	236	8	effects	effect	NOUN
ajbmeb-1250	236	9	models	model	NOUN
ajbmeb-1250	236	10	will	will	AUX
ajbmeb-1250	236	11	estimate	estimate	VERB
ajbmeb-1250	236	12	the	the	DET
ajbmeb-1250	236	13	effects	effect	NOUN
ajbmeb-1250	236	14	of	of	ADP
ajbmeb-1250	236	15	time	time	NOUN
ajbmeb-1250	236	16	-	-	PUNCT
ajbmeb-1250	236	17	invariant	invariant	ADJ
ajbmeb-1250	236	18	variables	variable	NOUN
ajbmeb-1250	236	19	.	.	PUNCT
ajbmeb-1250	237	1	table	table	NOUN
ajbmeb-1250	237	2	4	4	NUM
ajbmeb-1250	237	3	random	random	ADJ
ajbmeb-1250	237	4	effects	effect	NOUN
ajbmeb-1250	237	5	regression	regression	VERB
ajbmeb-1250	237	6	output	output	NOUN
ajbmeb-1250	237	7	for	for	ADP
ajbmeb-1250	237	8	model	model	NOUN
ajbmeb-1250	237	9	3	3	NUM
ajbmeb-1250	237	10	–	–	PUNCT
ajbmeb-1250	237	11	return	return	NOUN
ajbmeb-1250	237	12	on	on	ADP
ajbmeb-1250	237	13	equity	equity	NOUN
ajbmeb-1250	237	14	(	(	PUNCT
ajbmeb-1250	237	15	roe	roe	PROPN
ajbmeb-1250	237	16	)	)	PUNCT
ajbmeb-1250	237	17	.	.	PUNCT
ajbmeb-1250	238	1	dependent	dependent	ADJ
ajbmeb-1250	238	2	variable	variable	NOUN
ajbmeb-1250	238	3	:	:	PUNCT
ajbmeb-1250	238	4	d(roe	d(roe	PROPN
ajbmeb-1250	238	5	)	)	PUNCT
ajbmeb-1250	238	6	method	method	NOUN
ajbmeb-1250	238	7	:	:	PUNCT
ajbmeb-1250	238	8	panel	panel	NOUN
ajbmeb-1250	238	9	egls	egls	NOUN
ajbmeb-1250	238	10	(	(	PUNCT
ajbmeb-1250	238	11	cross	cross	ADJ
ajbmeb-1250	238	12	-	-	ADJ
ajbmeb-1250	238	13	section	section	ADJ
ajbmeb-1250	238	14	random	random	ADJ
ajbmeb-1250	238	15	effects	effect	NOUN
ajbmeb-1250	238	16	)	)	PUNCT
ajbmeb-1250	238	17	date	date	NOUN
ajbmeb-1250	238	18	:	:	PUNCT
ajbmeb-1250	238	19	02/4/22	02/4/22	NUM
ajbmeb-1250	238	20	time	time	NOUN
ajbmeb-1250	238	21	:	:	PUNCT
ajbmeb-1250	238	22	07:46	07:46	NUM
ajbmeb-1250	238	23	sample	sample	NOUN
ajbmeb-1250	238	24	:	:	PUNCT
ajbmeb-1250	238	25	2010	2010	NUM
ajbmeb-1250	238	26	2020	2020	NUM
ajbmeb-1250	238	27	periods	period	NOUN
ajbmeb-1250	238	28	included	include	VERB
ajbmeb-1250	238	29	:	:	PUNCT
ajbmeb-1250	238	30	11	11	NUM
ajbmeb-1250	238	31	cross	cros	NOUN
ajbmeb-1250	238	32	-	-	NOUN
ajbmeb-1250	238	33	sections	section	NOUN
ajbmeb-1250	238	34	included	include	VERB
ajbmeb-1250	238	35	:	:	PUNCT
ajbmeb-1250	238	36	7	7	NUM
ajbmeb-1250	238	37	total	total	ADJ
ajbmeb-1250	238	38	panel	panel	NOUN
ajbmeb-1250	238	39	(	(	PUNCT
ajbmeb-1250	238	40	unbalanced	unbalanced	ADJ
ajbmeb-1250	238	41	)	)	PUNCT
ajbmeb-1250	238	42	observations	observation	NOUN
ajbmeb-1250	238	43	:	:	PUNCT
ajbmeb-1250	238	44	77	77	NUM
ajbmeb-1250	238	45	swamy	swamy	PROPN
ajbmeb-1250	238	46	and	and	CCONJ
ajbmeb-1250	238	47	arora	arora	PROPN
ajbmeb-1250	238	48	estimator	estimator	NOUN
ajbmeb-1250	238	49	of	of	ADP
ajbmeb-1250	238	50	component	component	NOUN
ajbmeb-1250	238	51	variances	variances	PROPN
ajbmeb-1250	238	52	american	american	PROPN
ajbmeb-1250	238	53	journal	journal	PROPN
ajbmeb-1250	238	54	of	of	ADP
ajbmeb-1250	238	55	business	business	NOUN
ajbmeb-1250	238	56	management	management	NOUN
ajbmeb-1250	238	57	,	,	PUNCT
ajbmeb-1250	238	58	economics	economic	NOUN
ajbmeb-1250	238	59	and	and	CCONJ
ajbmeb-1250	238	60	banking	banking	NOUN
ajbmeb-1250	238	61	volume	volume	NOUN
ajbmeb-1250	238	62	16	16	NUM
ajbmeb-1250	238	63	sep	sep	PROPN
ajbmeb-1250	238	64	,	,	PUNCT
ajbmeb-1250	238	65	2023	2023	NUM
ajbmeb-1250	238	66	p	p	NOUN
ajbmeb-1250	238	67	a	a	PRON
ajbmeb-1250	238	68	g	g	NOUN
ajbmeb-1250	238	69	e	e	NOUN
ajbmeb-1250	238	70	|	|	NOUN
ajbmeb-1250	238	71	224	224	NUM
ajbmeb-1250	238	72	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	238	73	variable	variable	ADJ
ajbmeb-1250	238	74	coefficient	coefficient	NOUN
ajbmeb-1250	238	75	std	std	PROPN
ajbmeb-1250	238	76	.	.	NOUN
ajbmeb-1250	238	77	error	error	NOUN
ajbmeb-1250	238	78	t	t	NOUN
ajbmeb-1250	238	79	-	-	PUNCT
ajbmeb-1250	238	80	statistic	statistic	NOUN
ajbmeb-1250	238	81	prob	prob	NOUN
ajbmeb-1250	238	82	.	.	PUNCT
ajbmeb-1250	239	1	c	c	PROPN
ajbmeb-1250	240	1	7.637747	7.637747	NUM
ajbmeb-1250	240	2	0.777333	0.777333	NUM
ajbmeb-1250	240	3	7.737177	7.737177	NUM
ajbmeb-1250	240	4	0.0000	0.0000	NUM
ajbmeb-1250	240	5	d(lqm	d(lqm	PROPN
ajbmeb-1250	240	6	)	)	PUNCT
ajbmeb-1250	240	7	5.43e-07	5.43e-07	NUM
ajbmeb-1250	240	8	1.73e-07	1.73e-07	NUM
ajbmeb-1250	240	9	0.276767	0.276767	NUM
ajbmeb-1250	240	10	0.7666	0.7666	NUM
ajbmeb-1250	240	11	effects	effect	NOUN
ajbmeb-1250	240	12	specification	specification	PROPN
ajbmeb-1250	240	13	s.d	s.d	PROPN
ajbmeb-1250	240	14	.	.	PROPN
ajbmeb-1250	240	15	rho	rho	PROPN
ajbmeb-1250	240	16	cross	cross	ADJ
ajbmeb-1250	240	17	-	-	ADJ
ajbmeb-1250	240	18	section	section	ADJ
ajbmeb-1250	240	19	random	random	ADJ
ajbmeb-1250	240	20	7.132352	7.132352	NUM
ajbmeb-1250	240	21	0.4420	0.4420	NUM
ajbmeb-1250	240	22	idiosyncratic	idiosyncratic	ADJ
ajbmeb-1250	240	23	random	random	ADJ
ajbmeb-1250	240	24	7.014234	7.014234	NUM
ajbmeb-1250	240	25	0.5570	0.5570	NUM
ajbmeb-1250	240	26	weighted	weight	VERB
ajbmeb-1250	240	27	statistics	statistic	NOUN
ajbmeb-1250	240	28	r	r	NOUN
ajbmeb-1250	240	29	-	-	PUNCT
ajbmeb-1250	240	30	squared	square	VERB
ajbmeb-1250	240	31	0.350462	0.350462	NUM
ajbmeb-1250	240	32	mean	mean	NOUN
ajbmeb-1250	240	33	dependent	dependent	ADJ
ajbmeb-1250	240	34	var	var	NOUN
ajbmeb-1250	240	35	2.770777	2.770777	NUM
ajbmeb-1250	240	36	adjusted	adjusted	ADJ
ajbmeb-1250	240	37	r	r	NOUN
ajbmeb-1250	240	38	-	-	PUNCT
ajbmeb-1250	240	39	squared	square	VERB
ajbmeb-1250	240	40	0.275747	0.275747	NUM
ajbmeb-1250	240	41	s.d	s.d	PROPN
ajbmeb-1250	240	42	.	.	PUNCT
ajbmeb-1250	240	43	dependent	dependent	ADJ
ajbmeb-1250	240	44	var	var	NOUN
ajbmeb-1250	240	45	7.777755	7.777755	NUM
ajbmeb-1250	240	46	s.e	s.e	NOUN
ajbmeb-1250	240	47	.	.	PROPN
ajbmeb-1250	240	48	of	of	ADP
ajbmeb-1250	240	49	regression	regression	NOUN
ajbmeb-1250	240	50	7.006675	7.006675	NUM
ajbmeb-1250	240	51	sum	sum	NOUN
ajbmeb-1250	240	52	squared	square	VERB
ajbmeb-1250	240	53	resid	resid	NOUN
ajbmeb-1250	240	54	41274.71	41274.71	NUM
ajbmeb-1250	240	55	f	f	X
ajbmeb-1250	240	56	-	-	PUNCT
ajbmeb-1250	240	57	statistic	statistic	ADJ
ajbmeb-1250	240	58	0.074351	0.074351	NUM
ajbmeb-1250	240	59	durbin	durbin	ADJ
ajbmeb-1250	240	60	-	-	PUNCT
ajbmeb-1250	240	61	watson	watson	NOUN
ajbmeb-1250	240	62	stat	stat	NOUN
ajbmeb-1250	240	63	1.651363	1.651363	NUM
ajbmeb-1250	240	64	prob(f	prob(f	NOUN
ajbmeb-1250	240	65	-	-	PUNCT
ajbmeb-1250	240	66	statistic	statistic	NOUN
ajbmeb-1250	240	67	)	)	PUNCT
ajbmeb-1250	240	68	0.777756	0.777756	NUM
ajbmeb-1250	241	1	unweighted	unweighted	ADJ
ajbmeb-1250	241	2	statistics	statistic	NOUN
ajbmeb-1250	241	3	r	r	NOUN
ajbmeb-1250	241	4	-	-	PUNCT
ajbmeb-1250	241	5	squared	square	VERB
ajbmeb-1250	241	6	-0.003273	-0.003273	NOUN
ajbmeb-1250	241	7	mean	mean	PROPN
ajbmeb-1250	241	8	dependent	dependent	ADJ
ajbmeb-1250	241	9	var	var	NOUN
ajbmeb-1250	241	10	7.620776	7.620776	NUM
ajbmeb-1250	241	11	sum	sum	NOUN
ajbmeb-1250	241	12	squared	square	VERB
ajbmeb-1250	241	13	resid	resid	NOUN
ajbmeb-1250	241	14	72754.74	72754.74	NUM
ajbmeb-1250	241	15	durbin	durbin	ADJ
ajbmeb-1250	241	16	-	-	PUNCT
ajbmeb-1250	241	17	watson	watson	NOUN
ajbmeb-1250	241	18	stat	stat	NOUN
ajbmeb-1250	241	19	0.734502	0.734502	NUM
ajbmeb-1250	241	20	table	table	NOUN
ajbmeb-1250	241	21	4	4	NUM
ajbmeb-1250	241	22	above	above	ADV
ajbmeb-1250	241	23	shows	show	VERB
ajbmeb-1250	241	24	the	the	DET
ajbmeb-1250	241	25	random	random	ADJ
ajbmeb-1250	241	26	effect	effect	NOUN
ajbmeb-1250	241	27	of	of	ADP
ajbmeb-1250	241	28	the	the	DET
ajbmeb-1250	241	29	third	third	ADJ
ajbmeb-1250	241	30	model	model	NOUN
ajbmeb-1250	241	31	(	(	PUNCT
ajbmeb-1250	241	32	return	return	NOUN
ajbmeb-1250	241	33	on	on	ADP
ajbmeb-1250	241	34	equity	equity	NOUN
ajbmeb-1250	241	35	)	)	PUNCT
ajbmeb-1250	241	36	.	.	PUNCT
ajbmeb-1250	242	1	the	the	DET
ajbmeb-1250	242	2	r	r	NOUN
ajbmeb-1250	242	3	-	-	PUNCT
ajbmeb-1250	242	4	square	square	ADJ
ajbmeb-1250	242	5	value	value	NOUN
ajbmeb-1250	242	6	of	of	ADP
ajbmeb-1250	242	7	0.350462	0.350462	NUM
ajbmeb-1250	242	8	shows	show	VERB
ajbmeb-1250	242	9	that	that	SCONJ
ajbmeb-1250	242	10	,	,	PUNCT
ajbmeb-1250	242	11	in	in	ADP
ajbmeb-1250	242	12	this	this	DET
ajbmeb-1250	242	13	effect	effect	NOUN
ajbmeb-1250	242	14	,	,	PUNCT
ajbmeb-1250	242	15	all	all	DET
ajbmeb-1250	242	16	employed	employ	VERB
ajbmeb-1250	242	17	predictor	predictor	NOUN
ajbmeb-1250	242	18	variables	variable	NOUN
ajbmeb-1250	242	19	such	such	ADJ
ajbmeb-1250	242	20	as	as	ADP
ajbmeb-1250	242	21	liquidity	liquidity	NOUN
ajbmeb-1250	242	22	management	management	NOUN
ajbmeb-1250	242	23	ratio	ratio	NOUN
ajbmeb-1250	242	24	(	(	PUNCT
ajbmeb-1250	242	25	lqm	lqm	PROPN
ajbmeb-1250	242	26	)	)	PUNCT
ajbmeb-1250	242	27	,	,	PUNCT
ajbmeb-1250	242	28	account	account	VERB
ajbmeb-1250	242	29	for	for	ADP
ajbmeb-1250	242	30	only	only	ADV
ajbmeb-1250	242	31	35.05	35.05	NUM
ajbmeb-1250	242	32	%	%	NOUN
ajbmeb-1250	242	33	of	of	ADP
ajbmeb-1250	242	34	variations	variation	NOUN
ajbmeb-1250	242	35	in	in	ADP
ajbmeb-1250	242	36	the	the	DET
ajbmeb-1250	242	37	dependent	dependent	ADJ
ajbmeb-1250	242	38	variable	variable	ADJ
ajbmeb-1250	242	39	i.e.	i.e.	X
ajbmeb-1250	242	40	financial	financial	ADJ
ajbmeb-1250	242	41	performance	performance	NOUN
ajbmeb-1250	242	42	as	as	SCONJ
ajbmeb-1250	242	43	measured	measure	VERB
ajbmeb-1250	242	44	using	use	VERB
ajbmeb-1250	242	45	the	the	DET
ajbmeb-1250	242	46	return	return	NOUN
ajbmeb-1250	242	47	on	on	ADP
ajbmeb-1250	242	48	equity	equity	NOUN
ajbmeb-1250	242	49	of	of	ADP
ajbmeb-1250	242	50	the	the	DET
ajbmeb-1250	242	51	sampled	sample	VERB
ajbmeb-1250	242	52	8	8	NUM
ajbmeb-1250	242	53	deposit	deposit	NOUN
ajbmeb-1250	242	54	money	money	NOUN
ajbmeb-1250	242	55	banks	bank	NOUN
ajbmeb-1250	242	56	.	.	PUNCT
ajbmeb-1250	243	1	the	the	DET
ajbmeb-1250	243	2	durbin	durbin	PROPN
ajbmeb-1250	243	3	-	-	PUNCT
ajbmeb-1250	243	4	watson	watson	PROPN
ajbmeb-1250	243	5	statistics	statistic	NOUN
ajbmeb-1250	243	6	value	value	NOUN
ajbmeb-1250	243	7	of	of	ADP
ajbmeb-1250	243	8	0.734502	0.734502	NUM
ajbmeb-1250	243	9	is	be	AUX
ajbmeb-1250	243	10	seen	see	VERB
ajbmeb-1250	243	11	to	to	PART
ajbmeb-1250	243	12	be	be	AUX
ajbmeb-1250	243	13	very	very	ADV
ajbmeb-1250	243	14	low	low	ADJ
ajbmeb-1250	243	15	and	and	CCONJ
ajbmeb-1250	243	16	shows	show	VERB
ajbmeb-1250	243	17	positive	positive	ADJ
ajbmeb-1250	243	18	serial	serial	ADJ
ajbmeb-1250	243	19	correlation	correlation	NOUN
ajbmeb-1250	243	20	.	.	PUNCT
ajbmeb-1250	244	1	the	the	DET
ajbmeb-1250	244	2	f	f	PROPN
ajbmeb-1250	244	3	-	-	PUNCT
ajbmeb-1250	244	4	statistics	statistic	NOUN
ajbmeb-1250	244	5	value	value	NOUN
ajbmeb-1250	244	6	of	of	ADP
ajbmeb-1250	244	7	0.074351	0.074351	NUM
ajbmeb-1250	244	8	at	at	ADP
ajbmeb-1250	244	9	a	a	DET
ajbmeb-1250	244	10	probability	probability	NOUN
ajbmeb-1250	244	11	value	value	NOUN
ajbmeb-1250	244	12	of	of	ADP
ajbmeb-1250	244	13	0.777756	0.777756	NUM
ajbmeb-1250	244	14	which	which	PRON
ajbmeb-1250	244	15	is	be	AUX
ajbmeb-1250	244	16	greater	great	ADJ
ajbmeb-1250	244	17	than	than	ADP
ajbmeb-1250	244	18	the	the	DET
ajbmeb-1250	244	19	0.05	0.05	NUM
ajbmeb-1250	244	20	significance	significance	NOUN
ajbmeb-1250	244	21	level	level	NOUN
ajbmeb-1250	244	22	shows	show	VERB
ajbmeb-1250	244	23	a	a	DET
ajbmeb-1250	244	24	weak	weak	ADJ
ajbmeb-1250	244	25	model	model	NOUN
ajbmeb-1250	244	26	.	.	PUNCT
ajbmeb-1250	245	1	from	from	ADP
ajbmeb-1250	245	2	the	the	DET
ajbmeb-1250	245	3	coefficients	coefficient	NOUN
ajbmeb-1250	245	4	and	and	CCONJ
ajbmeb-1250	245	5	significance	significance	NOUN
ajbmeb-1250	245	6	level	level	NOUN
ajbmeb-1250	245	7	,	,	PUNCT
ajbmeb-1250	245	8	the	the	DET
ajbmeb-1250	245	9	study	study	NOUN
ajbmeb-1250	245	10	observes	observe	VERB
ajbmeb-1250	245	11	that	that	PRON
ajbmeb-1250	245	12	;	;	PUNCT
ajbmeb-1250	245	13	but	but	CCONJ
ajbmeb-1250	245	14	liquidity	liquidity	NOUN
ajbmeb-1250	245	15	management	management	NOUN
ajbmeb-1250	245	16	ratio	ratio	NOUN
ajbmeb-1250	245	17	(	(	PUNCT
ajbmeb-1250	245	18	lqm	lqm	PROPN
ajbmeb-1250	245	19	)	)	PUNCT
ajbmeb-1250	245	20	shows	show	VERB
ajbmeb-1250	245	21	a	a	DET
ajbmeb-1250	245	22	positive	positive	ADJ
ajbmeb-1250	245	23	(	(	PUNCT
ajbmeb-1250	245	24	5.43e-07	5.43e-07	NUM
ajbmeb-1250	245	25	)	)	PUNCT
ajbmeb-1250	245	26	and	and	CCONJ
ajbmeb-1250	245	27	insignificant	insignificant	ADJ
ajbmeb-1250	245	28	(	(	PUNCT
ajbmeb-1250	245	29	0.7666	0.7666	NUM
ajbmeb-1250	245	30	>	>	SYM
ajbmeb-1250	245	31	0.05	0.05	NUM
ajbmeb-1250	245	32	)	)	PUNCT
ajbmeb-1250	245	33	influence	influence	NOUN
ajbmeb-1250	245	34	on	on	ADP
ajbmeb-1250	245	35	the	the	DET
ajbmeb-1250	245	36	return	return	NOUN
ajbmeb-1250	245	37	on	on	ADP
ajbmeb-1250	245	38	equity	equity	NOUN
ajbmeb-1250	245	39	of	of	ADP
ajbmeb-1250	245	40	sampled	sample	VERB
ajbmeb-1250	245	41	deposit	deposit	NOUN
ajbmeb-1250	245	42	money	money	NOUN
ajbmeb-1250	245	43	banks	bank	NOUN
ajbmeb-1250	245	44	,	,	PUNCT
ajbmeb-1250	245	45	which	which	PRON
ajbmeb-1250	245	46	shows	show	VERB
ajbmeb-1250	245	47	that	that	SCONJ
ajbmeb-1250	245	48	,	,	PUNCT
ajbmeb-1250	245	49	a	a	DET
ajbmeb-1250	245	50	unit	unit	NOUN
ajbmeb-1250	245	51	increase	increase	NOUN
ajbmeb-1250	245	52	in	in	ADP
ajbmeb-1250	245	53	liquidity	liquidity	NOUN
ajbmeb-1250	245	54	management	management	NOUN
ajbmeb-1250	245	55	ratio	ratio	NOUN
ajbmeb-1250	245	56	(	(	PUNCT
ajbmeb-1250	245	57	lqm	lqm	PROPN
ajbmeb-1250	245	58	)	)	PUNCT
ajbmeb-1250	245	59	is	be	AUX
ajbmeb-1250	245	60	likely	likely	ADJ
ajbmeb-1250	245	61	to	to	PART
ajbmeb-1250	245	62	have	have	VERB
ajbmeb-1250	245	63	a	a	DET
ajbmeb-1250	245	64	5.43e-07	5.43e-07	NUM
ajbmeb-1250	245	65	unit	unit	NOUN
ajbmeb-1250	245	66	increase	increase	NOUN
ajbmeb-1250	245	67	in	in	ADP
ajbmeb-1250	245	68	roe	roe	NOUN
ajbmeb-1250	245	69	the	the	DET
ajbmeb-1250	245	70	study	study	NOUN
ajbmeb-1250	245	71	can	can	AUX
ajbmeb-1250	245	72	not	not	PART
ajbmeb-1250	245	73	accept	accept	VERB
ajbmeb-1250	245	74	the	the	DET
ajbmeb-1250	245	75	result	result	NOUN
ajbmeb-1250	245	76	of	of	ADP
ajbmeb-1250	245	77	this	this	DET
ajbmeb-1250	245	78	effect	effect	NOUN
ajbmeb-1250	245	79	until	until	SCONJ
ajbmeb-1250	245	80	we	we	PRON
ajbmeb-1250	245	81	employ	employ	VERB
ajbmeb-1250	245	82	our	our	PRON
ajbmeb-1250	245	83	diagnosis	diagnosis	NOUN
ajbmeb-1250	245	84	test	test	NOUN
ajbmeb-1250	245	85	to	to	PART
ajbmeb-1250	245	86	know	know	VERB
ajbmeb-1250	245	87	if	if	SCONJ
ajbmeb-1250	245	88	it	it	PRON
ajbmeb-1250	245	89	is	be	AUX
ajbmeb-1250	245	90	the	the	DET
ajbmeb-1250	245	91	optimal	optimal	ADJ
ajbmeb-1250	245	92	model	model	NOUN
ajbmeb-1250	245	93	.	.	PUNCT
ajbmeb-1250	246	1	this	this	PRON
ajbmeb-1250	246	2	therefore	therefore	ADV
ajbmeb-1250	246	3	makes	make	VERB
ajbmeb-1250	246	4	us	we	PRON
ajbmeb-1250	246	5	proceed	proceed	VERB
ajbmeb-1250	246	6	to	to	ADP
ajbmeb-1250	246	7	the	the	DET
ajbmeb-1250	246	8	next	next	ADJ
ajbmeb-1250	246	9	effect	effect	NOUN
ajbmeb-1250	246	10	(	(	PUNCT
ajbmeb-1250	246	11	fixed	fix	VERB
ajbmeb-1250	246	12	effect	effect	NOUN
ajbmeb-1250	246	13	)	)	PUNCT
ajbmeb-1250	246	14	.	.	PUNCT
ajbmeb-1250	247	1	diagnostic	diagnostic	ADJ
ajbmeb-1250	247	2	test	test	NOUN
ajbmeb-1250	247	3	it	it	PRON
ajbmeb-1250	247	4	is	be	AUX
ajbmeb-1250	247	5	improper	improper	ADJ
ajbmeb-1250	247	6	to	to	PART
ajbmeb-1250	247	7	manually	manually	ADV
ajbmeb-1250	247	8	choose	choose	VERB
ajbmeb-1250	247	9	the	the	DET
ajbmeb-1250	247	10	optimal	optimal	ADJ
ajbmeb-1250	247	11	effect	effect	NOUN
ajbmeb-1250	247	12	manually	manually	ADV
ajbmeb-1250	247	13	.	.	PUNCT
ajbmeb-1250	248	1	some	some	DET
ajbmeb-1250	248	2	diagnostic	diagnostic	ADJ
ajbmeb-1250	248	3	test	test	NOUN
ajbmeb-1250	248	4	have	have	AUX
ajbmeb-1250	248	5	been	be	AUX
ajbmeb-1250	248	6	created	create	VERB
ajbmeb-1250	248	7	to	to	PART
ajbmeb-1250	248	8	enable	enable	VERB
ajbmeb-1250	248	9	research	research	NOUN
ajbmeb-1250	248	10	determine	determine	VERB
ajbmeb-1250	248	11	the	the	DET
ajbmeb-1250	248	12	best	good	ADJ
ajbmeb-1250	248	13	effect	effect	NOUN
ajbmeb-1250	248	14	between	between	ADP
ajbmeb-1250	248	15	the	the	DET
ajbmeb-1250	248	16	pooled	pooled	ADJ
ajbmeb-1250	248	17	,	,	PUNCT
ajbmeb-1250	248	18	fixed	fixed	ADJ
ajbmeb-1250	248	19	and	and	CCONJ
ajbmeb-1250	248	20	random	random	ADJ
ajbmeb-1250	248	21	effect	effect	NOUN
ajbmeb-1250	248	22	.	.	PUNCT
ajbmeb-1250	249	1	these	these	DET
ajbmeb-1250	249	2	test	test	NOUN
ajbmeb-1250	249	3	includes	include	VERB
ajbmeb-1250	249	4	the	the	DET
ajbmeb-1250	249	5	likelihood	likelihood	NOUN
ajbmeb-1250	249	6	ratio	ratio	NOUN
ajbmeb-1250	249	7	test	test	NOUN
ajbmeb-1250	249	8	,	,	PUNCT
ajbmeb-1250	249	9	hausman	hausman	PROPN
ajbmeb-1250	249	10	specification	specification	NOUN
ajbmeb-1250	249	11	test	test	NOUN
ajbmeb-1250	249	12	,	,	PUNCT
ajbmeb-1250	249	13	and	and	CCONJ
ajbmeb-1250	249	14	the	the	DET
ajbmeb-1250	249	15	lagrange	lagrange	NOUN
ajbmeb-1250	249	16	multiplier	multipli	ADJ
ajbmeb-1250	249	17	test	test	NOUN
ajbmeb-1250	249	18	.	.	PUNCT
ajbmeb-1250	250	1	likelihood	likelihood	NOUN
ajbmeb-1250	250	2	ratio	ratio	NOUN
ajbmeb-1250	250	3	test	test	NOUN
ajbmeb-1250	250	4	(	(	PUNCT
ajbmeb-1250	250	5	compares	compare	NOUN
ajbmeb-1250	250	6	pooled	pool	VERB
ajbmeb-1250	250	7	and	and	CCONJ
ajbmeb-1250	250	8	fixed	fix	VERB
ajbmeb-1250	250	9	)	)	PUNCT
ajbmeb-1250	250	10	this	this	DET
ajbmeb-1250	250	11	test	test	NOUN
ajbmeb-1250	250	12	seek	seek	VERB
ajbmeb-1250	250	13	to	to	PART
ajbmeb-1250	250	14	select	select	VERB
ajbmeb-1250	250	15	the	the	DET
ajbmeb-1250	250	16	best	good	ADJ
ajbmeb-1250	250	17	effect	effect	NOUN
ajbmeb-1250	250	18	between	between	ADP
ajbmeb-1250	250	19	the	the	DET
ajbmeb-1250	250	20	pooled	pooled	ADJ
ajbmeb-1250	250	21	and	and	CCONJ
ajbmeb-1250	250	22	fixed	fix	VERB
ajbmeb-1250	250	23	effect	effect	NOUN
ajbmeb-1250	250	24	.	.	PUNCT
ajbmeb-1250	251	1	the	the	DET
ajbmeb-1250	251	2	null	null	ADJ
ajbmeb-1250	251	3	hypothesis	hypothesis	NOUN
ajbmeb-1250	251	4	supports	support	VERB
ajbmeb-1250	251	5	the	the	DET
ajbmeb-1250	251	6	pooled	pooled	ADJ
ajbmeb-1250	251	7	effect	effect	NOUN
ajbmeb-1250	251	8	.	.	PUNCT
ajbmeb-1250	252	1	american	american	ADJ
ajbmeb-1250	252	2	journal	journal	PROPN
ajbmeb-1250	252	3	of	of	ADP
ajbmeb-1250	252	4	business	business	NOUN
ajbmeb-1250	252	5	management	management	NOUN
ajbmeb-1250	252	6	,	,	PUNCT
ajbmeb-1250	252	7	economics	economic	NOUN
ajbmeb-1250	252	8	and	and	CCONJ
ajbmeb-1250	252	9	banking	banking	NOUN
ajbmeb-1250	252	10	volume	volume	NOUN
ajbmeb-1250	252	11	16	16	NUM
ajbmeb-1250	252	12	sep	sep	PROPN
ajbmeb-1250	252	13	,	,	PUNCT
ajbmeb-1250	252	14	2023	2023	NUM
ajbmeb-1250	252	15	p	p	NOUN
ajbmeb-1250	252	16	a	a	DET
ajbmeb-1250	252	17	g	g	NOUN
ajbmeb-1250	252	18	e	e	NOUN
ajbmeb-1250	252	19	|	|	ADV
ajbmeb-1250	252	20	225	225	NUM
ajbmeb-1250	252	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	252	22	model	model	NOUN
ajbmeb-1250	252	23	1	1	NUM
ajbmeb-1250	252	24	:	:	PUNCT
ajbmeb-1250	252	25	return	return	VERB
ajbmeb-1250	252	26	on	on	ADP
ajbmeb-1250	252	27	equity	equity	NOUN
ajbmeb-1250	252	28	(	(	PUNCT
ajbmeb-1250	252	29	roe	roe	NOUN
ajbmeb-1250	252	30	)	)	PUNCT
ajbmeb-1250	252	31	table	table	NOUN
ajbmeb-1250	252	32	5	5	NUM
ajbmeb-1250	252	33	:	:	PUNCT
ajbmeb-1250	252	34	likelihood	likelihood	PROPN
ajbmeb-1250	252	35	ratio	ratio	NOUN
ajbmeb-1250	252	36	test	test	NOUN
ajbmeb-1250	252	37	output	output	NOUN
ajbmeb-1250	252	38	for	for	ADP
ajbmeb-1250	252	39	model	model	NOUN
ajbmeb-1250	252	40	1	1	NUM
ajbmeb-1250	252	41	–	–	PUNCT
ajbmeb-1250	252	42	return	return	NOUN
ajbmeb-1250	252	43	on	on	ADP
ajbmeb-1250	252	44	equity	equity	NOUN
ajbmeb-1250	252	45	(	(	PUNCT
ajbmeb-1250	252	46	roe	roe	PROPN
ajbmeb-1250	252	47	)	)	PUNCT
ajbmeb-1250	252	48	.	.	PUNCT
ajbmeb-1250	253	1	redundant	redundant	VERB
ajbmeb-1250	253	2	fixed	fix	VERB
ajbmeb-1250	253	3	effects	effect	NOUN
ajbmeb-1250	253	4	tests	test	VERB
ajbmeb-1250	253	5	equation	equation	NOUN
ajbmeb-1250	253	6	:	:	PUNCT
ajbmeb-1250	253	7	untitled	untitled	ADJ
ajbmeb-1250	253	8	test	test	NOUN
ajbmeb-1250	253	9	cross	cross	ADJ
ajbmeb-1250	253	10	-	-	ADJ
ajbmeb-1250	253	11	section	section	ADJ
ajbmeb-1250	253	12	fixed	fix	VERB
ajbmeb-1250	253	13	effects	effect	NOUN
ajbmeb-1250	253	14	effects	effect	NOUN
ajbmeb-1250	253	15	test	test	NOUN
ajbmeb-1250	253	16	statistic	statistic	PROPN
ajbmeb-1250	253	17	d.f	d.f	PROPN
ajbmeb-1250	253	18	.	.	PROPN
ajbmeb-1250	253	19	prob	prob	PROPN
ajbmeb-1250	253	20	.	.	PUNCT
ajbmeb-1250	254	1	cross	cross	NOUN
ajbmeb-1250	254	2	-	-	NOUN
ajbmeb-1250	254	3	section	section	ADJ
ajbmeb-1250	254	4	f	f	PROPN
ajbmeb-1250	254	5	7.489563	7.489563	NUM
ajbmeb-1250	254	6	(	(	PUNCT
ajbmeb-1250	254	7	8,9	8,9	NUM
ajbmeb-1250	254	8	)	)	PUNCT
ajbmeb-1250	254	9	0.0000	0.0000	NUM
ajbmeb-1250	254	10	cross	cross	ADJ
ajbmeb-1250	254	11	-	-	NOUN
ajbmeb-1250	254	12	section	section	ADJ
ajbmeb-1250	254	13	chi	chi	ADJ
ajbmeb-1250	254	14	-	-	PUNCT
ajbmeb-1250	254	15	square	square	NOUN
ajbmeb-1250	254	16	433.647024	433.647024	NUM
ajbmeb-1250	254	17	65	65	NUM
ajbmeb-1250	254	18	0.0000	0.0000	NUM
ajbmeb-1250	254	19	table	table	NOUN
ajbmeb-1250	254	20	5	5	NUM
ajbmeb-1250	254	21	which	which	PRON
ajbmeb-1250	254	22	shows	show	VERB
ajbmeb-1250	254	23	the	the	DET
ajbmeb-1250	254	24	likelihood	likelihood	NOUN
ajbmeb-1250	254	25	ratio	ratio	NOUN
ajbmeb-1250	254	26	test	test	NOUN
ajbmeb-1250	254	27	shows	show	VERB
ajbmeb-1250	254	28	a	a	DET
ajbmeb-1250	254	29	cross	cross	NOUN
ajbmeb-1250	254	30	-	-	NOUN
ajbmeb-1250	254	31	section	section	ADJ
ajbmeb-1250	254	32	f	f	PROPN
ajbmeb-1250	254	33	-	-	PUNCT
ajbmeb-1250	254	34	statistics	statistic	NOUN
ajbmeb-1250	254	35	value	value	NOUN
ajbmeb-1250	254	36	of	of	ADP
ajbmeb-1250	254	37	7.489563	7.489563	NUM
ajbmeb-1250	254	38	at	at	ADP
ajbmeb-1250	254	39	a	a	DET
ajbmeb-1250	254	40	probability	probability	NOUN
ajbmeb-1250	254	41	level	level	NOUN
ajbmeb-1250	254	42	of	of	ADP
ajbmeb-1250	254	43	0.000	0.000	NUM
ajbmeb-1250	254	44	which	which	PRON
ajbmeb-1250	254	45	is	be	AUX
ajbmeb-1250	254	46	less	less	ADJ
ajbmeb-1250	254	47	than	than	ADP
ajbmeb-1250	254	48	the	the	DET
ajbmeb-1250	254	49	0.05	0.05	NUM
ajbmeb-1250	254	50	(	(	PUNCT
ajbmeb-1250	254	51	5	5	NUM
ajbmeb-1250	254	52	%	%	NOUN
ajbmeb-1250	254	53	)	)	PUNCT
ajbmeb-1250	254	54	significance	significance	NOUN
ajbmeb-1250	254	55	level	level	NOUN
ajbmeb-1250	254	56	shows	show	VERB
ajbmeb-1250	254	57	the	the	DET
ajbmeb-1250	254	58	rejection	rejection	NOUN
ajbmeb-1250	254	59	of	of	ADP
ajbmeb-1250	254	60	the	the	DET
ajbmeb-1250	254	61	null	null	ADJ
ajbmeb-1250	254	62	hypothesis	hypothesis	NOUN
ajbmeb-1250	254	63	.	.	PUNCT
ajbmeb-1250	255	1	this	this	PRON
ajbmeb-1250	255	2	therefore	therefore	ADV
ajbmeb-1250	255	3	shows	show	VERB
ajbmeb-1250	255	4	that	that	SCONJ
ajbmeb-1250	255	5	the	the	DET
ajbmeb-1250	255	6	best	good	ADJ
ajbmeb-1250	255	7	model	model	NOUN
ajbmeb-1250	255	8	is	be	AUX
ajbmeb-1250	255	9	the	the	DET
ajbmeb-1250	255	10	fixed	fix	VERB
ajbmeb-1250	255	11	effect	effect	NOUN
ajbmeb-1250	255	12	,	,	PUNCT
ajbmeb-1250	255	13	which	which	PRON
ajbmeb-1250	255	14	represents	represent	VERB
ajbmeb-1250	255	15	the	the	DET
ajbmeb-1250	255	16	alternate	alternate	ADJ
ajbmeb-1250	255	17	hypothesis	hypothesis	NOUN
ajbmeb-1250	255	18	in	in	ADP
ajbmeb-1250	255	19	this	this	DET
ajbmeb-1250	255	20	case	case	NOUN
ajbmeb-1250	255	21	.	.	PUNCT
ajbmeb-1250	256	1	this	this	PRON
ajbmeb-1250	256	2	therefore	therefore	ADV
ajbmeb-1250	256	3	shows	show	VERB
ajbmeb-1250	256	4	that	that	SCONJ
ajbmeb-1250	256	5	the	the	DET
ajbmeb-1250	256	6	fixed	fixed	ADJ
ajbmeb-1250	256	7	effect	effect	NOUN
ajbmeb-1250	256	8	in	in	ADP
ajbmeb-1250	256	9	light	light	NOUN
ajbmeb-1250	256	10	of	of	ADP
ajbmeb-1250	256	11	the	the	DET
ajbmeb-1250	256	12	pooled	pooled	ADJ
ajbmeb-1250	256	13	effect	effect	NOUN
ajbmeb-1250	256	14	is	be	AUX
ajbmeb-1250	256	15	more	more	ADV
ajbmeb-1250	256	16	superior	superior	ADJ
ajbmeb-1250	256	17	.	.	PUNCT
ajbmeb-1250	257	1	hausman	hausman	PROPN
ajbmeb-1250	257	2	specification	specification	PROPN
ajbmeb-1250	257	3	test	test	NOUN
ajbmeb-1250	257	4	this	this	DET
ajbmeb-1250	257	5	diagnostic	diagnostic	ADJ
ajbmeb-1250	257	6	test	test	NOUN
ajbmeb-1250	257	7	pits	pit	VERB
ajbmeb-1250	257	8	the	the	DET
ajbmeb-1250	257	9	random	random	ADJ
ajbmeb-1250	257	10	effect	effect	NOUN
ajbmeb-1250	257	11	against	against	ADP
ajbmeb-1250	257	12	the	the	DET
ajbmeb-1250	257	13	fixed	fix	VERB
ajbmeb-1250	257	14	effect	effect	NOUN
ajbmeb-1250	257	15	.	.	PUNCT
ajbmeb-1250	258	1	the	the	DET
ajbmeb-1250	258	2	null	null	ADJ
ajbmeb-1250	258	3	hypothesis	hypothesis	NOUN
ajbmeb-1250	258	4	in	in	ADP
ajbmeb-1250	258	5	this	this	DET
ajbmeb-1250	258	6	case	case	NOUN
ajbmeb-1250	258	7	is	be	AUX
ajbmeb-1250	258	8	the	the	DET
ajbmeb-1250	258	9	random	random	ADJ
ajbmeb-1250	258	10	effect	effect	NOUN
ajbmeb-1250	258	11	.	.	PUNCT
ajbmeb-1250	259	1	therefore	therefore	ADV
ajbmeb-1250	259	2	,	,	PUNCT
ajbmeb-1250	259	3	a	a	DET
ajbmeb-1250	259	4	retained	retain	VERB
ajbmeb-1250	259	5	null	null	NOUN
ajbmeb-1250	259	6	supports	support	VERB
ajbmeb-1250	259	7	the	the	DET
ajbmeb-1250	259	8	random	random	ADJ
ajbmeb-1250	259	9	effect	effect	NOUN
ajbmeb-1250	259	10	,	,	PUNCT
ajbmeb-1250	259	11	while	while	SCONJ
ajbmeb-1250	259	12	a	a	DET
ajbmeb-1250	259	13	rejected	reject	VERB
ajbmeb-1250	259	14	null	null	ADJ
ajbmeb-1250	259	15	hypothesis	hypothesis	NOUN
ajbmeb-1250	259	16	supports	support	VERB
ajbmeb-1250	259	17	the	the	DET
ajbmeb-1250	259	18	fixed	fix	VERB
ajbmeb-1250	259	19	effect	effect	NOUN
ajbmeb-1250	259	20	.	.	PUNCT
ajbmeb-1250	260	1	model	model	NOUN
ajbmeb-1250	260	2	1	1	NUM
ajbmeb-1250	260	3	:	:	PUNCT
ajbmeb-1250	260	4	return	return	VERB
ajbmeb-1250	260	5	on	on	ADP
ajbmeb-1250	260	6	equity	equity	NOUN
ajbmeb-1250	260	7	(	(	PUNCT
ajbmeb-1250	260	8	roe	roe	NOUN
ajbmeb-1250	260	9	)	)	PUNCT
ajbmeb-1250	260	10	table	table	NOUN
ajbmeb-1250	260	11	6	6	NUM
ajbmeb-1250	260	12	:	:	PUNCT
ajbmeb-1250	260	13	hausman	hausman	PROPN
ajbmeb-1250	260	14	specification	specification	NOUN
ajbmeb-1250	260	15	test	test	NOUN
ajbmeb-1250	260	16	output	output	NOUN
ajbmeb-1250	260	17	for	for	ADP
ajbmeb-1250	260	18	model	model	NOUN
ajbmeb-1250	260	19	1	1	NUM
ajbmeb-1250	260	20	–	–	PUNCT
ajbmeb-1250	260	21	return	return	NOUN
ajbmeb-1250	260	22	on	on	ADP
ajbmeb-1250	260	23	equity	equity	NOUN
ajbmeb-1250	260	24	(	(	PUNCT
ajbmeb-1250	260	25	roe	roe	PROPN
ajbmeb-1250	260	26	)	)	PUNCT
ajbmeb-1250	260	27	.	.	PUNCT
ajbmeb-1250	261	1	correlated	correlate	VERB
ajbmeb-1250	261	2	random	random	ADJ
ajbmeb-1250	261	3	effects	effect	NOUN
ajbmeb-1250	261	4	hausman	hausman	ADJ
ajbmeb-1250	261	5	test	test	NOUN
ajbmeb-1250	261	6	equation	equation	NOUN
ajbmeb-1250	261	7	:	:	PUNCT
ajbmeb-1250	261	8	untitled	untitled	ADJ
ajbmeb-1250	261	9	test	test	NOUN
ajbmeb-1250	261	10	cross	cross	ADJ
ajbmeb-1250	261	11	-	-	ADJ
ajbmeb-1250	261	12	section	section	ADJ
ajbmeb-1250	261	13	random	random	ADJ
ajbmeb-1250	261	14	effects	effect	NOUN
ajbmeb-1250	261	15	test	test	NOUN
ajbmeb-1250	261	16	summary	summary	NOUN
ajbmeb-1250	261	17	chi	chi	PROPN
ajbmeb-1250	261	18	-	-	PUNCT
ajbmeb-1250	261	19	sq	sq	PROPN
ajbmeb-1250	261	20	.	.	PROPN
ajbmeb-1250	261	21	statistic	statistic	ADJ
ajbmeb-1250	261	22	chi	chi	PROPN
ajbmeb-1250	261	23	-	-	PUNCT
ajbmeb-1250	261	24	sq	sq	PROPN
ajbmeb-1250	261	25	.	.	PUNCT
ajbmeb-1250	261	26	d.f	d.f	PROPN
ajbmeb-1250	261	27	.	.	PROPN
ajbmeb-1250	261	28	prob	prob	PROPN
ajbmeb-1250	261	29	.	.	PUNCT
ajbmeb-1250	262	1	cross	cross	ADJ
ajbmeb-1250	262	2	-	-	ADJ
ajbmeb-1250	262	3	section	section	ADJ
ajbmeb-1250	262	4	random	random	ADJ
ajbmeb-1250	262	5	6.386492	6.386492	NUM
ajbmeb-1250	262	6	4	4	NUM
ajbmeb-1250	262	7	0.0057	0.0057	NUM
ajbmeb-1250	262	8	cross	cross	ADJ
ajbmeb-1250	262	9	-	-	ADJ
ajbmeb-1250	262	10	section	section	ADJ
ajbmeb-1250	262	11	random	random	ADJ
ajbmeb-1250	262	12	effects	effect	NOUN
ajbmeb-1250	262	13	test	test	NOUN
ajbmeb-1250	262	14	comparisons	comparison	NOUN
ajbmeb-1250	262	15	:	:	PUNCT
ajbmeb-1250	262	16	variable	variable	NOUN
ajbmeb-1250	262	17	fixed	fix	VERB
ajbmeb-1250	262	18	random	random	ADJ
ajbmeb-1250	262	19	var(diff	var(diff	NOUN
ajbmeb-1250	262	20	.	.	PUNCT
ajbmeb-1250	262	21	)	)	PUNCT
ajbmeb-1250	263	1	prob	prob	PROPN
ajbmeb-1250	263	2	.	.	PROPN
ajbmeb-1250	264	1	lqm	lqm	PROPN
ajbmeb-1250	264	2	-0.000000	-0.000000	PROPN
ajbmeb-1250	264	3	-0.000000	-0.000000	PROPN
ajbmeb-1250	265	1	0.000000	0.000000	NUM
ajbmeb-1250	265	2	0.5474	0.5474	NUM
ajbmeb-1250	265	3	source	source	NOUN
ajbmeb-1250	265	4	:	:	PUNCT
ajbmeb-1250	265	5	extract	extract	NOUN
ajbmeb-1250	265	6	from	from	ADP
ajbmeb-1250	265	7	e	e	NOUN
ajbmeb-1250	265	8	-	-	NOUN
ajbmeb-1250	265	9	view	view	ADJ
ajbmeb-1250	265	10	version	version	NOUN
ajbmeb-1250	265	11	11	11	NUM
ajbmeb-1250	265	12	outpu	outpu	NOUN
ajbmeb-1250	265	13	table	table	NOUN
ajbmeb-1250	265	14	6	6	NUM
ajbmeb-1250	265	15	shows	show	VERB
ajbmeb-1250	265	16	the	the	DET
ajbmeb-1250	265	17	hausman	hausman	PROPN
ajbmeb-1250	265	18	specification	specification	PROPN
ajbmeb-1250	265	19	test	test	NOUN
ajbmeb-1250	265	20	which	which	PRON
ajbmeb-1250	265	21	seeks	seek	VERB
ajbmeb-1250	265	22	to	to	PART
ajbmeb-1250	265	23	examine	examine	VERB
ajbmeb-1250	265	24	the	the	DET
ajbmeb-1250	265	25	most	most	ADV
ajbmeb-1250	265	26	valuable	valuable	ADJ
ajbmeb-1250	265	27	effect	effect	NOUN
ajbmeb-1250	265	28	between	between	ADP
ajbmeb-1250	265	29	the	the	DET
ajbmeb-1250	265	30	random	random	ADJ
ajbmeb-1250	265	31	and	and	CCONJ
ajbmeb-1250	265	32	fixed	fix	VERB
ajbmeb-1250	265	33	effect	effect	NOUN
ajbmeb-1250	265	34	.	.	PUNCT
ajbmeb-1250	266	1	the	the	DET
ajbmeb-1250	266	2	cross	cross	ADJ
ajbmeb-1250	266	3	-	-	ADJ
ajbmeb-1250	266	4	section	section	ADJ
ajbmeb-1250	266	5	random	random	ADJ
ajbmeb-1250	266	6	chi	chi	ADJ
ajbmeb-1250	266	7	-	-	PUNCT
ajbmeb-1250	266	8	square	square	ADJ
ajbmeb-1250	266	9	statistics	statistic	NOUN
ajbmeb-1250	266	10	value	value	NOUN
ajbmeb-1250	266	11	of	of	ADP
ajbmeb-1250	266	12	6.386492	6.386492	NUM
ajbmeb-1250	266	13	at	at	ADP
ajbmeb-1250	266	14	a	a	DET
ajbmeb-1250	266	15	probability	probability	NOUN
ajbmeb-1250	266	16	level	level	NOUN
ajbmeb-1250	266	17	of	of	ADP
ajbmeb-1250	266	18	0.0057	0.0057	NUM
ajbmeb-1250	266	19	which	which	PRON
ajbmeb-1250	266	20	is	be	AUX
ajbmeb-1250	266	21	less	less	ADJ
ajbmeb-1250	266	22	than	than	ADP
ajbmeb-1250	266	23	the	the	DET
ajbmeb-1250	266	24	0.05	0.05	NUM
ajbmeb-1250	266	25	significance	significance	NOUN
ajbmeb-1250	266	26	level	level	NOUN
ajbmeb-1250	266	27	leads	lead	VERB
ajbmeb-1250	266	28	to	to	ADP
ajbmeb-1250	266	29	the	the	DET
ajbmeb-1250	266	30	rejection	rejection	NOUN
ajbmeb-1250	266	31	of	of	ADP
ajbmeb-1250	266	32	the	the	DET
ajbmeb-1250	266	33	american	american	ADJ
ajbmeb-1250	266	34	journal	journal	PROPN
ajbmeb-1250	266	35	of	of	ADP
ajbmeb-1250	266	36	business	business	NOUN
ajbmeb-1250	266	37	management	management	NOUN
ajbmeb-1250	266	38	,	,	PUNCT
ajbmeb-1250	266	39	economics	economic	NOUN
ajbmeb-1250	266	40	and	and	CCONJ
ajbmeb-1250	266	41	banking	banking	NOUN
ajbmeb-1250	266	42	volume	volume	NOUN
ajbmeb-1250	266	43	16	16	NUM
ajbmeb-1250	266	44	sep	sep	PROPN
ajbmeb-1250	266	45	,	,	PUNCT
ajbmeb-1250	266	46	2023	2023	NUM
ajbmeb-1250	266	47	p	p	NOUN
ajbmeb-1250	266	48	a	a	DET
ajbmeb-1250	266	49	g	g	NOUN
ajbmeb-1250	266	50	e	e	NOUN
ajbmeb-1250	267	1	|	|	NOUN
ajbmeb-1250	267	2	226	226	NUM
ajbmeb-1250	267	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	267	4	null	null	ADJ
ajbmeb-1250	267	5	hypothesis	hypothesis	NOUN
ajbmeb-1250	267	6	.	.	PUNCT
ajbmeb-1250	268	1	this	this	PRON
ajbmeb-1250	268	2	shows	show	VERB
ajbmeb-1250	268	3	that	that	SCONJ
ajbmeb-1250	268	4	the	the	DET
ajbmeb-1250	268	5	fixed	fix	VERB
ajbmeb-1250	268	6	effect	effect	NOUN
ajbmeb-1250	268	7	remains	remain	VERB
ajbmeb-1250	268	8	the	the	DET
ajbmeb-1250	268	9	paramount	paramount	ADJ
ajbmeb-1250	268	10	effect	effect	NOUN
ajbmeb-1250	268	11	in	in	ADP
ajbmeb-1250	268	12	the	the	DET
ajbmeb-1250	268	13	model	model	NOUN
ajbmeb-1250	268	14	.	.	PUNCT
ajbmeb-1250	269	1	the	the	DET
ajbmeb-1250	269	2	study	study	NOUN
ajbmeb-1250	269	3	therefore	therefore	ADV
ajbmeb-1250	269	4	moves	move	VERB
ajbmeb-1250	269	5	on	on	ADP
ajbmeb-1250	269	6	to	to	PART
ajbmeb-1250	269	7	determine	determine	VERB
ajbmeb-1250	269	8	the	the	DET
ajbmeb-1250	269	9	long	long	ADJ
ajbmeb-1250	269	10	run	run	NOUN
ajbmeb-1250	269	11	effect	effect	NOUN
ajbmeb-1250	269	12	using	use	VERB
ajbmeb-1250	269	13	the	the	DET
ajbmeb-1250	269	14	fixed	fix	VERB
ajbmeb-1250	269	15	effect	effect	NOUN
ajbmeb-1250	269	16	.	.	PUNCT
ajbmeb-1250	270	1	lagrange	lagrange	NOUN
ajbmeb-1250	270	2	multiplier	multipli	ADJ
ajbmeb-1250	270	3	tests	test	NOUN
ajbmeb-1250	270	4	(	(	PUNCT
ajbmeb-1250	270	5	compares	compare	VERB
ajbmeb-1250	270	6	random	random	ADJ
ajbmeb-1250	270	7	to	to	ADP
ajbmeb-1250	270	8	fixed	fix	VERB
ajbmeb-1250	270	9	effect	effect	NOUN
ajbmeb-1250	270	10	)	)	PUNCT
ajbmeb-1250	270	11	table	table	NOUN
ajbmeb-1250	270	12	7	7	NUM
ajbmeb-1250	270	13	:	:	PUNCT
ajbmeb-1250	270	14	lagrange	lagrange	NOUN
ajbmeb-1250	270	15	multiplier	multipli	ADJ
ajbmeb-1250	270	16	tests	test	NOUN
ajbmeb-1250	270	17	output	output	VERB
ajbmeb-1250	270	18	for	for	ADP
ajbmeb-1250	270	19	model	model	NOUN
ajbmeb-1250	270	20	1	1	NUM
ajbmeb-1250	270	21	–	–	PUNCT
ajbmeb-1250	270	22	return	return	NOUN
ajbmeb-1250	270	23	on	on	ADP
ajbmeb-1250	270	24	equity	equity	NOUN
ajbmeb-1250	270	25	(	(	PUNCT
ajbmeb-1250	270	26	roe	roe	PROPN
ajbmeb-1250	270	27	)	)	PUNCT
ajbmeb-1250	270	28	.	.	PUNCT
ajbmeb-1250	271	1	lagrange	lagrange	PROPN
ajbmeb-1250	271	2	multiplier	multipli	ADJ
ajbmeb-1250	271	3	tests	test	NOUN
ajbmeb-1250	271	4	for	for	ADP
ajbmeb-1250	271	5	random	random	ADJ
ajbmeb-1250	271	6	effects	effect	NOUN
ajbmeb-1250	271	7	null	null	ADJ
ajbmeb-1250	271	8	hypotheses	hypothesis	NOUN
ajbmeb-1250	271	9	:	:	PUNCT
ajbmeb-1250	271	10	no	no	DET
ajbmeb-1250	271	11	effects	effect	NOUN
ajbmeb-1250	271	12	alternative	alternative	ADJ
ajbmeb-1250	271	13	hypotheses	hypothesis	NOUN
ajbmeb-1250	271	14	:	:	PUNCT
ajbmeb-1250	271	15	two	two	NUM
ajbmeb-1250	271	16	-	-	PUNCT
ajbmeb-1250	271	17	sided	sided	ADJ
ajbmeb-1250	271	18	(	(	PUNCT
ajbmeb-1250	271	19	breusch	breusch	NOUN
ajbmeb-1250	271	20	-	-	PUNCT
ajbmeb-1250	271	21	pagan	pagan	ADJ
ajbmeb-1250	271	22	)	)	PUNCT
ajbmeb-1250	271	23	and	and	CCONJ
ajbmeb-1250	271	24	onesided	oneside	VERB
ajbmeb-1250	271	25	(	(	PUNCT
ajbmeb-1250	271	26	all	all	DET
ajbmeb-1250	271	27	others	other	NOUN
ajbmeb-1250	271	28	)	)	PUNCT
ajbmeb-1250	271	29	alternatives	alternative	NOUN
ajbmeb-1250	271	30	test	test	NOUN
ajbmeb-1250	271	31	hypothesis	hypothesis	NOUN
ajbmeb-1250	271	32	cross	cross	NOUN
ajbmeb-1250	271	33	-	-	NOUN
ajbmeb-1250	271	34	section	section	ADJ
ajbmeb-1250	271	35	time	time	NOUN
ajbmeb-1250	271	36	both	both	DET
ajbmeb-1250	271	37	breusch	breusch	PROPN
ajbmeb-1250	271	38	-	-	PUNCT
ajbmeb-1250	271	39	pagan	pagan	ADJ
ajbmeb-1250	271	40	450.6159	450.6159	NUM
ajbmeb-1250	272	1	6.021546	6.021546	NUM
ajbmeb-1250	272	2	450.6545	450.6545	NUM
ajbmeb-1250	272	3	(	(	PUNCT
ajbmeb-1250	272	4	0.0000	0.0000	NUM
ajbmeb-1250	272	5	)	)	PUNCT
ajbmeb-1250	272	6	(	(	PUNCT
ajbmeb-1250	272	7	0.0056	0.0056	NUM
ajbmeb-1250	272	8	)	)	PUNCT
ajbmeb-1250	272	9	(	(	PUNCT
ajbmeb-1250	272	10	0.0000	0.0000	NUM
ajbmeb-1250	272	11	)	)	PUNCT
ajbmeb-1250	272	12	honda	honda	NOUN
ajbmeb-1250	272	13	25.05940	25.05940	NUM
ajbmeb-1250	272	14	7.146110	7.146110	NUM
ajbmeb-1250	272	15	16.59465	16.59465	NUM
ajbmeb-1250	272	16	(	(	PUNCT
ajbmeb-1250	272	17	0.0000	0.0000	NUM
ajbmeb-1250	272	18	)	)	PUNCT
ajbmeb-1250	272	19	(	(	PUNCT
ajbmeb-1250	272	20	0.0019	0.0019	NUM
ajbmeb-1250	272	21	)	)	PUNCT
ajbmeb-1250	272	22	(	(	PUNCT
ajbmeb-1250	272	23	0.0000	0.0000	NUM
ajbmeb-1250	272	24	)	)	PUNCT
ajbmeb-1250	272	25	king	king	NOUN
ajbmeb-1250	272	26	-	-	PUNCT
ajbmeb-1250	272	27	wu	wu	PROPN
ajbmeb-1250	272	28	25.05940	25.05940	NUM
ajbmeb-1250	272	29	9.146110	9.146110	NUM
ajbmeb-1250	272	30	6.207052	6.207052	NUM
ajbmeb-1250	272	31	(	(	PUNCT
ajbmeb-1250	272	32	0.0000	0.0000	NUM
ajbmeb-1250	272	33	)	)	PUNCT
ajbmeb-1250	272	34	(	(	PUNCT
ajbmeb-1250	272	35	0.0025	0.0025	NUM
ajbmeb-1250	272	36	)	)	PUNCT
ajbmeb-1250	272	37	(	(	PUNCT
ajbmeb-1250	272	38	0.0000	0.0000	NUM
ajbmeb-1250	272	39	)	)	PUNCT
ajbmeb-1250	272	40	standardized	standardize	VERB
ajbmeb-1250	272	41	honda	honda	NOUN
ajbmeb-1250	272	42	25.62127	25.62127	NUM
ajbmeb-1250	272	43	6.564644	6.564644	NUM
ajbmeb-1250	272	44	11.42569	11.42569	NUM
ajbmeb-1250	272	45	(	(	PUNCT
ajbmeb-1250	272	46	0.0000	0.0000	NUM
ajbmeb-1250	272	47	)	)	PUNCT
ajbmeb-1250	272	48	(	(	PUNCT
ajbmeb-1250	272	49	0.5402	0.5402	NUM
ajbmeb-1250	272	50	)	)	PUNCT
ajbmeb-1250	272	51	(	(	PUNCT
ajbmeb-1250	272	52	0.0000	0.0000	NUM
ajbmeb-1250	272	53	)	)	PUNCT
ajbmeb-1250	272	54	standardized	standardize	VERB
ajbmeb-1250	272	55	kingwu	kingwu	ADV
ajbmeb-1250	272	56	25.62127	25.62127	NUM
ajbmeb-1250	272	57	0.564644	0.564644	NUM
ajbmeb-1250	272	58	4.422665	4.422665	NUM
ajbmeb-1250	272	59	(	(	PUNCT
ajbmeb-1250	272	60	0.0000	0.0000	NUM
ajbmeb-1250	272	61	)	)	PUNCT
ajbmeb-1250	272	62	(	(	PUNCT
ajbmeb-1250	272	63	0.5402	0.5402	NUM
ajbmeb-1250	272	64	)	)	PUNCT
ajbmeb-1250	272	65	(	(	PUNCT
ajbmeb-1250	272	66	0.0000	0.0000	NUM
ajbmeb-1250	272	67	)	)	PUNCT
ajbmeb-1250	272	68	gourierioux	gourierioux	NOUN
ajbmeb-1250	272	69	,	,	PUNCT
ajbmeb-1250	272	70	et	et	PROPN
ajbmeb-1250	272	71	al	al	PROPN
ajbmeb-1250	272	72	.	.	PROPN
ajbmeb-1250	272	73	*	*	PUNCT
ajbmeb-1250	273	1	--	--	PUNCT
ajbmeb-1250	273	2	450.6545	450.6545	NUM
ajbmeb-1250	273	3	(	(	PUNCT
ajbmeb-1250	273	4	<	<	X
ajbmeb-1250	273	5	0.01	0.01	NUM
ajbmeb-1250	273	6	)	)	PUNCT
ajbmeb-1250	273	7	*	*	PUNCT
ajbmeb-1250	273	8	mixed	mixed	ADJ
ajbmeb-1250	273	9	chi	chi	ADJ
ajbmeb-1250	273	10	-	-	PUNCT
ajbmeb-1250	273	11	square	square	ADJ
ajbmeb-1250	273	12	asymptotic	asymptotic	ADJ
ajbmeb-1250	273	13	critical	critical	ADJ
ajbmeb-1250	273	14	values	value	NOUN
ajbmeb-1250	273	15	:	:	PUNCT
ajbmeb-1250	273	16	1	1	NUM
ajbmeb-1250	273	17	%	%	NOUN
ajbmeb-1250	273	18	7.289	7.289	NUM
ajbmeb-1250	273	19	5	5	NUM
ajbmeb-1250	273	20	%	%	NOUN
ajbmeb-1250	273	21	4.321	4.321	NUM
ajbmeb-1250	273	22	10	10	NUM
ajbmeb-1250	273	23	%	%	NOUN
ajbmeb-1250	273	24	2.952	2.952	NUM
ajbmeb-1250	273	25	using	use	VERB
ajbmeb-1250	273	26	the	the	DET
ajbmeb-1250	273	27	lag	lag	NOUN
ajbmeb-1250	273	28	range	range	NOUN
ajbmeb-1250	273	29	multiplier	multipli	ADJ
ajbmeb-1250	273	30	test	test	NOUN
ajbmeb-1250	273	31	output	output	NOUN
ajbmeb-1250	273	32	in	in	ADP
ajbmeb-1250	273	33	table	table	NOUN
ajbmeb-1250	273	34	7	7	NUM
ajbmeb-1250	273	35	,	,	PUNCT
ajbmeb-1250	273	36	it	it	PRON
ajbmeb-1250	273	37	can	can	AUX
ajbmeb-1250	273	38	be	be	AUX
ajbmeb-1250	273	39	observed	observe	VERB
ajbmeb-1250	273	40	that	that	SCONJ
ajbmeb-1250	273	41	all	all	DET
ajbmeb-1250	273	42	probability	probability	NOUN
ajbmeb-1250	273	43	levels	level	NOUN
ajbmeb-1250	273	44	point	point	VERB
ajbmeb-1250	273	45	to	to	ADP
ajbmeb-1250	273	46	the	the	DET
ajbmeb-1250	273	47	significance	significance	NOUN
ajbmeb-1250	273	48	of	of	ADP
ajbmeb-1250	273	49	the	the	DET
ajbmeb-1250	273	50	fixed	fix	VERB
ajbmeb-1250	273	51	effect	effect	NOUN
ajbmeb-1250	273	52	model	model	NOUN
ajbmeb-1250	273	53	.	.	PUNCT
ajbmeb-1250	274	1	this	this	PRON
ajbmeb-1250	274	2	therefore	therefore	ADV
ajbmeb-1250	274	3	further	far	ADV
ajbmeb-1250	274	4	reinforces	reinforce	VERB
ajbmeb-1250	274	5	the	the	DET
ajbmeb-1250	274	6	optimal	optimal	ADJ
ajbmeb-1250	274	7	nature	nature	NOUN
ajbmeb-1250	274	8	of	of	ADP
ajbmeb-1250	274	9	the	the	DET
ajbmeb-1250	274	10	fixed	fix	VERB
ajbmeb-1250	274	11	effect	effect	NOUN
ajbmeb-1250	274	12	.	.	PUNCT
ajbmeb-1250	275	1	the	the	DET
ajbmeb-1250	275	2	study	study	NOUN
ajbmeb-1250	275	3	will	will	AUX
ajbmeb-1250	275	4	therefore	therefore	ADV
ajbmeb-1250	275	5	proceed	proceed	VERB
ajbmeb-1250	275	6	to	to	ADP
ajbmeb-1250	275	7	subsequent	subsequent	ADJ
ajbmeb-1250	275	8	test	test	NOUN
ajbmeb-1250	275	9	using	use	VERB
ajbmeb-1250	275	10	the	the	DET
ajbmeb-1250	275	11	fixed	fix	VERB
ajbmeb-1250	275	12	effect	effect	NOUN
ajbmeb-1250	275	13	technique	technique	NOUN
ajbmeb-1250	275	14	so	so	SCONJ
ajbmeb-1250	275	15	as	as	SCONJ
ajbmeb-1250	275	16	to	to	PART
ajbmeb-1250	275	17	ensure	ensure	VERB
ajbmeb-1250	275	18	that	that	SCONJ
ajbmeb-1250	275	19	future	future	ADJ
ajbmeb-1250	275	20	results	result	NOUN
ajbmeb-1250	275	21	are	be	AUX
ajbmeb-1250	275	22	valuable	valuable	ADJ
ajbmeb-1250	275	23	.	.	PUNCT
ajbmeb-1250	276	1	american	american	ADJ
ajbmeb-1250	276	2	journal	journal	PROPN
ajbmeb-1250	276	3	of	of	ADP
ajbmeb-1250	276	4	business	business	NOUN
ajbmeb-1250	276	5	management	management	NOUN
ajbmeb-1250	276	6	,	,	PUNCT
ajbmeb-1250	276	7	economics	economic	NOUN
ajbmeb-1250	276	8	and	and	CCONJ
ajbmeb-1250	276	9	banking	banking	NOUN
ajbmeb-1250	276	10	volume	volume	NOUN
ajbmeb-1250	276	11	16	16	NUM
ajbmeb-1250	276	12	sep	sep	PROPN
ajbmeb-1250	276	13	,	,	PUNCT
ajbmeb-1250	276	14	2023	2023	NUM
ajbmeb-1250	276	15	p	p	NOUN
ajbmeb-1250	276	16	a	a	DET
ajbmeb-1250	276	17	g	g	NOUN
ajbmeb-1250	276	18	e	e	NOUN
ajbmeb-1250	276	19	|	|	ADV
ajbmeb-1250	276	20	227	227	NUM
ajbmeb-1250	276	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1250	276	22	error	error	NOUN
ajbmeb-1250	276	23	correction	correction	NOUN
ajbmeb-1250	276	24	model	model	NOUN
ajbmeb-1250	276	25	(	(	PUNCT
ajbmeb-1250	276	26	model	model	NOUN
ajbmeb-1250	276	27	3return	3return	NUM
ajbmeb-1250	276	28	on	on	ADP
ajbmeb-1250	276	29	equity	equity	NOUN
ajbmeb-1250	276	30	):	):	PUNCT
ajbmeb-1250	276	31	table	table	NOUN
ajbmeb-1250	276	32	8	8	NUM
ajbmeb-1250	276	33	:	:	PUNCT
ajbmeb-1250	276	34	error	error	NOUN
ajbmeb-1250	276	35	correction	correction	NOUN
ajbmeb-1250	276	36	model	model	NOUN
ajbmeb-1250	276	37	summary	summary	NOUN
ajbmeb-1250	276	38	for	for	ADP
ajbmeb-1250	276	39	model	model	NOUN
ajbmeb-1250	276	40	1	1	NUM
ajbmeb-1250	276	41	dependent	dependent	ADJ
ajbmeb-1250	276	42	variable	variable	NOUN
ajbmeb-1250	276	43	:	:	PUNCT
ajbmeb-1250	276	44	roe	roe	NOUN
ajbmeb-1250	276	45	method	method	NOUN
ajbmeb-1250	276	46	:	:	PUNCT
ajbmeb-1250	276	47	panel	panel	NOUN
ajbmeb-1250	276	48	least	least	ADJ
ajbmeb-1250	276	49	squares	square	NOUN
ajbmeb-1250	276	50	date	date	NOUN
ajbmeb-1250	276	51	:	:	PUNCT
ajbmeb-1250	276	52	02/4/22	02/4/22	NUM
ajbmeb-1250	276	53	time	time	NOUN
ajbmeb-1250	276	54	:	:	PUNCT
ajbmeb-1250	276	55	08:49	08:49	NUM
ajbmeb-1250	276	56	sample	sample	NOUN
ajbmeb-1250	276	57	:	:	PUNCT
ajbmeb-1250	276	58	2010	2010	NUM
ajbmeb-1250	276	59	2020	2020	NUM
ajbmeb-1250	276	60	periods	period	NOUN
ajbmeb-1250	276	61	included	include	VERB
ajbmeb-1250	276	62	:	:	PUNCT
ajbmeb-1250	276	63	11	11	NUM
ajbmeb-1250	276	64	cross	cros	NOUN
ajbmeb-1250	276	65	-	-	NOUN
ajbmeb-1250	276	66	sections	section	NOUN
ajbmeb-1250	276	67	included	include	VERB
ajbmeb-1250	276	68	:	:	PUNCT
ajbmeb-1250	276	69	8	8	NUM
ajbmeb-1250	276	70	total	total	NOUN
ajbmeb-1250	276	71	panel	panel	NOUN
ajbmeb-1250	276	72	(	(	PUNCT
ajbmeb-1250	276	73	unbalanced	unbalanced	ADJ
ajbmeb-1250	276	74	)	)	PUNCT
ajbmeb-1250	276	75	observations	observation	NOUN
ajbmeb-1250	276	76	:	:	PUNCT
ajbmeb-1250	276	77	88	88	NUM
ajbmeb-1250	276	78	variable	variable	ADJ
ajbmeb-1250	276	79	coefficient	coefficient	NOUN
ajbmeb-1250	276	80	std	std	NOUN
ajbmeb-1250	276	81	.	.	NOUN
ajbmeb-1250	276	82	error	error	NOUN
ajbmeb-1250	276	83	t	t	NOUN
ajbmeb-1250	276	84	-	-	PUNCT
ajbmeb-1250	276	85	statistic	statistic	NOUN
ajbmeb-1250	276	86	prob	prob	NOUN
ajbmeb-1250	276	87	.	.	PUNCT
ajbmeb-1250	277	1	c	c	PROPN
ajbmeb-1250	277	2	8.624018	8.624018	NUM
ajbmeb-1250	277	3	0.458544	0.458544	NUM
ajbmeb-1250	277	4	16.46165	16.46165	NUM
ajbmeb-1250	277	5	0.0000	0.0000	NUM
ajbmeb-1250	277	6	lqm	lqm	NOUN
ajbmeb-1250	277	7	8.15e-05	8.15e-05	NUM
ajbmeb-1250	278	1	1.2e-05	1.2e-05	NUM
ajbmeb-1250	278	2	6.205651	6.205651	NUM
ajbmeb-1250	278	3	0.0000	0.0000	NUM
ajbmeb-1250	278	4	ecm(-1	ecm(-1	ADJ
ajbmeb-1250	278	5	)	)	PUNCT
ajbmeb-1250	278	6	-0.626421	-0.626421	VERB
ajbmeb-1250	278	7	0.120382	0.120382	NUM
ajbmeb-1250	278	8	-5.228680	-5.228680	NOUN
ajbmeb-1250	278	9	0.0000	0.0000	NUM
ajbmeb-1250	278	10	effects	effect	NOUN
ajbmeb-1250	278	11	specification	specification	NOUN
ajbmeb-1250	278	12	cross	cross	ADJ
ajbmeb-1250	278	13	-	-	ADJ
ajbmeb-1250	278	14	section	section	NOUN
ajbmeb-1250	278	15	fixed	fix	VERB
ajbmeb-1250	278	16	(	(	PUNCT
ajbmeb-1250	278	17	dummy	dummy	ADJ
ajbmeb-1250	278	18	variables	variable	NOUN
ajbmeb-1250	278	19	)	)	PUNCT
ajbmeb-1250	278	20	r	r	X
ajbmeb-1250	278	21	-	-	PUNCT
ajbmeb-1250	278	22	squared	square	VERB
ajbmeb-1250	278	23	0.888586	0.888586	NUM
ajbmeb-1250	278	24	mean	mean	NOUN
ajbmeb-1250	278	25	dependent	dependent	ADJ
ajbmeb-1250	278	26	var	var	NOUN
ajbmeb-1250	278	27	8.620886	8.620886	NUM
ajbmeb-1250	278	28	adjusted	adjusted	ADJ
ajbmeb-1250	278	29	r	r	NOUN
ajbmeb-1250	278	30	-	-	PUNCT
ajbmeb-1250	278	31	squared	square	VERB
ajbmeb-1250	278	32	0.828641	0.828641	PROPN
ajbmeb-1250	278	33	s.d	s.d	PROPN
ajbmeb-1250	278	34	.	.	PUNCT
ajbmeb-1250	279	1	dependent	dependent	ADJ
ajbmeb-1250	279	2	var	var	NOUN
ajbmeb-1250	279	3	10.56321	10.56321	NUM
ajbmeb-1250	279	4	s.e	s.e	PROPN
ajbmeb-1250	279	5	.	.	PROPN
ajbmeb-1250	279	6	of	of	ADP
ajbmeb-1250	279	7	regression	regression	NOUN
ajbmeb-1250	279	8	8.014234	8.014234	NUM
ajbmeb-1250	279	9	akaike	akaike	ADJ
ajbmeb-1250	279	10	info	info	NOUN
ajbmeb-1250	279	11	criterion	criterion	NOUN
ajbmeb-1250	279	12	8.101602	8.101602	NUM
ajbmeb-1250	279	13	sum	sum	NOUN
ajbmeb-1250	279	14	squared	square	VERB
ajbmeb-1250	279	15	resid	resid	NOUN
ajbmeb-1250	279	16	38188.68	38188.68	NUM
ajbmeb-1250	279	17	schwarz	schwarz	PROPN
ajbmeb-1250	279	18	criterion	criterion	NOUN
ajbmeb-1250	279	19	8.584614	8.584614	NUM
ajbmeb-1250	279	20	log	log	NOUN
ajbmeb-1250	279	21	likelihood	likelihood	NOUN
ajbmeb-1250	279	22	-2234.568	-2234.568	PUNCT
ajbmeb-1250	279	23	hannan	hannan	PROPN
ajbmeb-1250	279	24	-	-	PUNCT
ajbmeb-1250	279	25	quinn	quinn	PROPN
ajbmeb-1250	279	26	criter	criter	NOUN
ajbmeb-1250	279	27	.	.	PUNCT
ajbmeb-1250	280	1	8.286148	8.286148	NUM
ajbmeb-1250	280	2	f	f	X
ajbmeb-1250	280	3	-	-	PUNCT
ajbmeb-1250	280	4	statistic	statistic	NOUN
ajbmeb-1250	280	5	8.016853	8.016853	NUM
ajbmeb-1250	280	6	durbin	durbin	ADJ
ajbmeb-1250	280	7	-	-	PUNCT
ajbmeb-1250	280	8	watson	watson	NOUN
ajbmeb-1250	280	9	stat	stat	PROPN
ajbmeb-1250	280	10	1.833128	1.833128	NUM
ajbmeb-1250	280	11	prob(f	prob(f	NOUN
ajbmeb-1250	280	12	-	-	PUNCT
ajbmeb-1250	280	13	statistic	statistic	NOUN
ajbmeb-1250	280	14	)	)	PUNCT
ajbmeb-1250	280	15	0.000000	0.000000	NUM
ajbmeb-1250	280	16	the	the	DET
ajbmeb-1250	280	17	above	above	ADJ
ajbmeb-1250	280	18	error	error	NOUN
ajbmeb-1250	280	19	correction	correction	NOUN
ajbmeb-1250	280	20	estimate	estimate	VERB
ajbmeb-1250	280	21	in	in	ADP
ajbmeb-1250	280	22	table	table	NOUN
ajbmeb-1250	280	23	8	8	NUM
ajbmeb-1250	280	24	shows	show	VERB
ajbmeb-1250	280	25	that	that	SCONJ
ajbmeb-1250	280	26	the	the	DET
ajbmeb-1250	280	27	adjustment	adjustment	NOUN
ajbmeb-1250	280	28	displays	display	VERB
ajbmeb-1250	280	29	the	the	DET
ajbmeb-1250	280	30	expected	expected	ADJ
ajbmeb-1250	280	31	negative	negative	ADJ
ajbmeb-1250	280	32	sign	sign	NOUN
ajbmeb-1250	280	33	based	base	VERB
ajbmeb-1250	280	34	on	on	ADP
ajbmeb-1250	280	35	its	its	PRON
ajbmeb-1250	280	36	output	output	NOUN
ajbmeb-1250	280	37	of	of	ADP
ajbmeb-1250	280	38	-0.626421	-0.626421	NOUN
ajbmeb-1250	280	39	,	,	PUNCT
ajbmeb-1250	280	40	this	this	PRON
ajbmeb-1250	280	41	signifies	signify	VERB
ajbmeb-1250	280	42	that	that	SCONJ
ajbmeb-1250	280	43	the	the	DET
ajbmeb-1250	280	44	discrepancies	discrepancy	NOUN
ajbmeb-1250	280	45	between	between	ADP
ajbmeb-1250	280	46	the	the	DET
ajbmeb-1250	280	47	short	short	ADJ
ajbmeb-1250	280	48	and	and	CCONJ
ajbmeb-1250	280	49	long	long	ADJ
ajbmeb-1250	280	50	run	run	NOUN
ajbmeb-1250	280	51	can	can	AUX
ajbmeb-1250	280	52	be	be	AUX
ajbmeb-1250	280	53	adjusted	adjust	VERB
ajbmeb-1250	280	54	backwards	backwards	ADV
ajbmeb-1250	280	55	by	by	ADP
ajbmeb-1250	280	56	approximately	approximately	ADV
ajbmeb-1250	280	57	62.64	62.64	NUM
ajbmeb-1250	280	58	%	%	NOUN
ajbmeb-1250	280	59	annually	annually	ADV
ajbmeb-1250	280	60	towards	towards	ADP
ajbmeb-1250	280	61	maintaining	maintain	VERB
ajbmeb-1250	280	62	equilibrium	equilibrium	NOUN
ajbmeb-1250	280	63	in	in	ADP
ajbmeb-1250	280	64	both	both	CCONJ
ajbmeb-1250	280	65	long	long	ADJ
ajbmeb-1250	280	66	and	and	CCONJ
ajbmeb-1250	280	67	short	short	ADJ
ajbmeb-1250	280	68	run	run	NOUN
ajbmeb-1250	280	69	.	.	PUNCT
ajbmeb-1250	281	1	the	the	DET
ajbmeb-1250	281	2	coefficient	coefficient	NOUN
ajbmeb-1250	281	3	of	of	ADP
ajbmeb-1250	281	4	determination	determination	NOUN
ajbmeb-1250	281	5	(	(	PUNCT
ajbmeb-1250	281	6	r2	r2	PROPN
ajbmeb-1250	281	7	)	)	PUNCT
ajbmeb-1250	281	8	displays	display	VERB
ajbmeb-1250	281	9	a	a	DET
ajbmeb-1250	281	10	value	value	NOUN
ajbmeb-1250	281	11	of0.888586	of0.888586	ADJ
ajbmeb-1250	281	12	which	which	PRON
ajbmeb-1250	281	13	shows	show	VERB
ajbmeb-1250	281	14	that	that	SCONJ
ajbmeb-1250	281	15	in	in	ADP
ajbmeb-1250	281	16	the	the	DET
ajbmeb-1250	281	17	long	long	ADJ
ajbmeb-1250	281	18	run	run	NOUN
ajbmeb-1250	281	19	,	,	PUNCT
ajbmeb-1250	281	20	the	the	DET
ajbmeb-1250	281	21	predictors	predictor	NOUN
ajbmeb-1250	281	22	variables	variable	NOUN
ajbmeb-1250	281	23	jointly	jointly	ADV
ajbmeb-1250	281	24	account	account	VERB
ajbmeb-1250	281	25	for	for	ADP
ajbmeb-1250	281	26	approximately	approximately	ADV
ajbmeb-1250	281	27	88.86	88.86	NUM
ajbmeb-1250	281	28	%	%	NOUN
ajbmeb-1250	281	29	of	of	ADP
ajbmeb-1250	281	30	variations	variation	NOUN
ajbmeb-1250	281	31	in	in	ADP
ajbmeb-1250	281	32	the	the	DET
ajbmeb-1250	281	33	criterion	criterion	NOUN
ajbmeb-1250	281	34	i.e.	i.e.	X
ajbmeb-1250	281	35	the	the	DET
ajbmeb-1250	281	36	level	level	NOUN
ajbmeb-1250	281	37	of	of	ADP
ajbmeb-1250	281	38	asset	asset	NOUN
ajbmeb-1250	281	39	quality	quality	NOUN
ajbmeb-1250	281	40	(	(	PUNCT
ajbmeb-1250	281	41	asq	asq	PROPN
ajbmeb-1250	281	42	)	)	PUNCT
ajbmeb-1250	281	43	systems	system	NOUN
ajbmeb-1250	281	44	adequately	adequately	ADV
ajbmeb-1250	281	45	captures	capture	VERB
ajbmeb-1250	281	46	the	the	DET
ajbmeb-1250	281	47	movement	movement	NOUN
ajbmeb-1250	281	48	of	of	ADP
ajbmeb-1250	281	49	employed	employ	VERB
ajbmeb-1250	281	50	criterion	criterion	NOUN
ajbmeb-1250	281	51	i.e.	i.e.	X
ajbmeb-1250	281	52	return	return	NOUN
ajbmeb-1250	281	53	on	on	ADP
ajbmeb-1250	281	54	equity	equity	NOUN
ajbmeb-1250	281	55	.	.	PUNCT
ajbmeb-1250	282	1	all	all	DET
ajbmeb-1250	282	2	variables	variable	NOUN
ajbmeb-1250	282	3	were	be	AUX
ajbmeb-1250	282	4	found	find	VERB
ajbmeb-1250	282	5	to	to	PART
ajbmeb-1250	282	6	be	be	AUX
ajbmeb-1250	282	7	statistically	statistically	ADV
ajbmeb-1250	282	8	significant	significant	ADJ
ajbmeb-1250	282	9	as	as	SCONJ
ajbmeb-1250	282	10	deduced	deduce	VERB
ajbmeb-1250	282	11	from	from	ADP
ajbmeb-1250	282	12	the	the	DET
ajbmeb-1250	282	13	all	all	DET
ajbmeb-1250	282	14	their	their	PRON
ajbmeb-1250	282	15	respective	respective	ADJ
ajbmeb-1250	282	16	probability	probability	NOUN
ajbmeb-1250	282	17	level	level	NOUN
ajbmeb-1250	282	18	which	which	PRON
ajbmeb-1250	282	19	were	be	AUX
ajbmeb-1250	282	20	lower	low	ADJ
ajbmeb-1250	282	21	than	than	ADP
ajbmeb-1250	282	22	the	the	DET
ajbmeb-1250	282	23	0.05	0.05	NUM
ajbmeb-1250	282	24	(	(	PUNCT
ajbmeb-1250	282	25	5	5	NUM
ajbmeb-1250	282	26	%	%	NOUN
ajbmeb-1250	282	27	)	)	PUNCT
ajbmeb-1250	282	28	significance	significance	NOUN
ajbmeb-1250	282	29	level	level	NOUN
ajbmeb-1250	282	30	.	.	PUNCT
ajbmeb-1250	283	1	the	the	DET
ajbmeb-1250	283	2	f	f	PROPN
ajbmeb-1250	283	3	-statistics	-statistic	NOUN
ajbmeb-1250	283	4	probability	probability	NOUN
ajbmeb-1250	283	5	level	level	NOUN
ajbmeb-1250	283	6	of	of	ADP
ajbmeb-1250	283	7	8.016853	8.016853	NUM
ajbmeb-1250	283	8	at	at	ADP
ajbmeb-1250	283	9	a	a	DET
ajbmeb-1250	283	10	probability	probability	NOUN
ajbmeb-1250	283	11	level	level	NOUN
ajbmeb-1250	283	12	0.00000	0.00000	NUM
ajbmeb-1250	283	13	which	which	PRON
ajbmeb-1250	283	14	is	be	AUX
ajbmeb-1250	283	15	less	less	ADJ
ajbmeb-1250	283	16	than	than	ADP
ajbmeb-1250	283	17	the	the	DET
ajbmeb-1250	283	18	0.05	0.05	NUM
ajbmeb-1250	283	19	(	(	PUNCT
ajbmeb-1250	283	20	5	5	NUM
ajbmeb-1250	283	21	%	%	NOUN
ajbmeb-1250	283	22	)	)	PUNCT
ajbmeb-1250	283	23	significance	significance	NOUN
ajbmeb-1250	283	24	level	level	NOUN
ajbmeb-1250	283	25	and	and	CCONJ
ajbmeb-1250	283	26	shows	show	VERB
ajbmeb-1250	283	27	a	a	DET
ajbmeb-1250	283	28	great	great	ADJ
ajbmeb-1250	283	29	fit	fit	NOUN
ajbmeb-1250	283	30	of	of	ADP
ajbmeb-1250	283	31	the	the	DET
ajbmeb-1250	283	32	linear	linear	PROPN
ajbmeb-1250	283	33	panel	panel	NOUN
ajbmeb-1250	283	34	model	model	NOUN
ajbmeb-1250	283	35	while	while	SCONJ
ajbmeb-1250	283	36	the	the	DET
ajbmeb-1250	283	37	durbin	durbin	PROPN
ajbmeb-1250	283	38	watson	watson	PROPN
ajbmeb-1250	283	39	statistics	statistics	PROPN
ajbmeb-1250	283	40	value	value	NOUN
ajbmeb-1250	283	41	of	of	ADP
ajbmeb-1250	283	42	1.833128is	1.833128is	NUM
ajbmeb-1250	283	43	identified	identify	VERB
ajbmeb-1250	283	44	to	to	PART
ajbmeb-1250	283	45	be	be	AUX
ajbmeb-1250	283	46	within	within	ADP
ajbmeb-1250	283	47	the	the	DET
ajbmeb-1250	283	48	relevant	relevant	ADJ
ajbmeb-1250	283	49	range	range	NOUN
ajbmeb-1250	283	50	.	.	PUNCT
ajbmeb-1250	284	1	hypotheses	hypothesis	NOUN
ajbmeb-1250	284	2	testing	test	VERB
ajbmeb-1250	284	3	the	the	DET
ajbmeb-1250	284	4	t	t	PROPN
ajbmeb-1250	284	5	-	-	PUNCT
ajbmeb-1250	284	6	statistics	statistic	NOUN
ajbmeb-1250	284	7	and	and	CCONJ
ajbmeb-1250	284	8	probability	probability	NOUN
ajbmeb-1250	284	9	level	level	NOUN
ajbmeb-1250	284	10	are	be	AUX
ajbmeb-1250	284	11	used	use	VERB
ajbmeb-1250	284	12	to	to	PART
ajbmeb-1250	284	13	test	test	VERB
ajbmeb-1250	284	14	the	the	DET
ajbmeb-1250	284	15	significance	significance	NOUN
ajbmeb-1250	284	16	of	of	ADP
ajbmeb-1250	284	17	employed	employ	VERB
ajbmeb-1250	284	18	variables	variable	NOUN
ajbmeb-1250	284	19	in	in	ADP
ajbmeb-1250	284	20	the	the	DET
ajbmeb-1250	284	21	long	long	ADJ
ajbmeb-1250	284	22	run	run	NOUN
ajbmeb-1250	284	23	individual	individual	ADJ
ajbmeb-1250	284	24	hypotheses	hypothesis	NOUN
ajbmeb-1250	284	25	stated	state	VERB
ajbmeb-1250	284	26	in	in	ADP
ajbmeb-1250	284	27	the	the	DET
ajbmeb-1250	284	28	null	null	ADJ
ajbmeb-1250	284	29	and	and	CCONJ
ajbmeb-1250	284	30	alternate	alternate	ADJ
ajbmeb-1250	284	31	form	form	NOUN
ajbmeb-1250	284	32	as	as	SCONJ
ajbmeb-1250	284	33	follows	follow	VERB
ajbmeb-1250	284	34	.	.	PUNCT
ajbmeb-1250	285	1	american	american	ADJ
ajbmeb-1250	285	2	journal	journal	PROPN
ajbmeb-1250	285	3	of	of	ADP
ajbmeb-1250	285	4	business	business	NOUN
ajbmeb-1250	285	5	management	management	NOUN
ajbmeb-1250	285	6	,	,	PUNCT
ajbmeb-1250	285	7	economics	economic	NOUN
ajbmeb-1250	285	8	and	and	CCONJ
ajbmeb-1250	285	9	banking	banking	NOUN
ajbmeb-1250	285	10	volume	volume	NOUN
ajbmeb-1250	285	11	16	16	NUM
ajbmeb-1250	285	12	sep	sep	PROPN
ajbmeb-1250	285	13	,	,	PUNCT
ajbmeb-1250	285	14	2023	2023	NUM
ajbmeb-1250	285	15	p	p	NOUN
ajbmeb-1250	285	16	a	a	DET
ajbmeb-1250	285	17	g	g	NOUN
ajbmeb-1250	285	18	e	e	PROPN
ajbmeb-1250	285	19	|	|	NOUN
ajbmeb-1250	285	20	228	228	NUM
ajbmeb-1250	285	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1250	285	22	h01	h01	NOUN
ajbmeb-1250	285	23	:	:	PUNCT
ajbmeb-1250	285	24	liquidity	liquidity	NOUN
ajbmeb-1250	285	25	management	management	NOUN
ajbmeb-1250	285	26	ratio	ratio	NOUN
ajbmeb-1250	285	27	does	do	AUX
ajbmeb-1250	285	28	not	not	PART
ajbmeb-1250	285	29	significantly	significantly	ADV
ajbmeb-1250	285	30	relate	relate	VERB
ajbmeb-1250	285	31	to	to	PART
ajbmeb-1250	285	32	return	return	VERB
ajbmeb-1250	285	33	on	on	ADP
ajbmeb-1250	285	34	equity	equity	NOUN
ajbmeb-1250	285	35	in	in	ADP
ajbmeb-1250	285	36	quoted	quote	VERB
ajbmeb-1250	285	37	deposit	deposit	NOUN
ajbmeb-1250	285	38	money	money	NOUN
ajbmeb-1250	285	39	banks	bank	NOUN
ajbmeb-1250	285	40	.	.	PUNCT
ajbmeb-1250	286	1	h01	h01	NOUN
ajbmeb-1250	286	2	:	:	PUNCT
ajbmeb-1250	286	3	liquidity	liquidity	NOUN
ajbmeb-1250	286	4	management	management	NOUN
ajbmeb-1250	286	5	ratio	ratio	NOUN
ajbmeb-1250	286	6	significantly	significantly	ADV
ajbmeb-1250	286	7	relates	relate	VERB
ajbmeb-1250	286	8	to	to	PART
ajbmeb-1250	286	9	return	return	VERB
ajbmeb-1250	286	10	on	on	ADP
ajbmeb-1250	286	11	equity	equity	NOUN
ajbmeb-1250	286	12	in	in	ADP
ajbmeb-1250	286	13	quoted	quote	VERB
ajbmeb-1250	286	14	deposit	deposit	NOUN
ajbmeb-1250	286	15	money	money	NOUN
ajbmeb-1250	286	16	banks	bank	NOUN
ajbmeb-1250	286	17	.	.	PUNCT
ajbmeb-1250	287	1	utilizing	utilize	VERB
ajbmeb-1250	287	2	the	the	DET
ajbmeb-1250	287	3	error	error	NOUN
ajbmeb-1250	287	4	correction	correction	NOUN
ajbmeb-1250	287	5	estimate	estimate	VERB
ajbmeb-1250	287	6	in	in	ADP
ajbmeb-1250	287	7	table	table	NOUN
ajbmeb-1250	287	8	6	6	NUM
ajbmeb-1250	287	9	,	,	PUNCT
ajbmeb-1250	287	10	it	it	PRON
ajbmeb-1250	287	11	can	can	AUX
ajbmeb-1250	287	12	be	be	AUX
ajbmeb-1250	287	13	seen	see	VERB
ajbmeb-1250	287	14	that	that	SCONJ
ajbmeb-1250	287	15	the	the	DET
ajbmeb-1250	287	16	t	t	PROPN
ajbmeb-1250	287	17	-	-	PUNCT
ajbmeb-1250	287	18	statistics	statistic	NOUN
ajbmeb-1250	287	19	coefficient	coefficient	NOUN
ajbmeb-1250	287	20	of	of	ADP
ajbmeb-1250	287	21	liquidity	liquidity	NOUN
ajbmeb-1250	287	22	management	management	NOUN
ajbmeb-1250	287	23	ratio(lqm	ratio(lqm	PROPN
ajbmeb-1250	287	24	)	)	PUNCT
ajbmeb-1250	287	25	of	of	ADP
ajbmeb-1250	287	26	6.205651	6.205651	NUM
ajbmeb-1250	287	27	is	be	AUX
ajbmeb-1250	287	28	greater	great	ADJ
ajbmeb-1250	287	29	than	than	ADP
ajbmeb-1250	287	30	±1.98/2and	±1.98/2and	NOUN
ajbmeb-1250	287	31	at	at	ADP
ajbmeb-1250	287	32	the	the	DET
ajbmeb-1250	287	33	probability	probability	NOUN
ajbmeb-1250	287	34	level	level	NOUN
ajbmeb-1250	287	35	of	of	ADP
ajbmeb-1250	287	36	0.0000	0.0000	NUM
ajbmeb-1250	287	37	which	which	PRON
ajbmeb-1250	287	38	is	be	AUX
ajbmeb-1250	287	39	lower	low	ADJ
ajbmeb-1250	287	40	than	than	ADP
ajbmeb-1250	287	41	the	the	DET
ajbmeb-1250	287	42	0.05	0.05	NUM
ajbmeb-1250	287	43	significance	significance	NOUN
ajbmeb-1250	287	44	level	level	NOUN
ajbmeb-1250	287	45	and	and	CCONJ
ajbmeb-1250	287	46	therefore	therefore	ADV
ajbmeb-1250	287	47	shows	show	VERB
ajbmeb-1250	287	48	that	that	SCONJ
ajbmeb-1250	287	49	this	this	DET
ajbmeb-1250	287	50	variable	variable	NOUN
ajbmeb-1250	287	51	is	be	AUX
ajbmeb-1250	287	52	statistically	statistically	ADV
ajbmeb-1250	287	53	significant	significant	ADJ
ajbmeb-1250	287	54	.	.	PUNCT
ajbmeb-1250	288	1	the	the	DET
ajbmeb-1250	288	2	study	study	NOUN
ajbmeb-1250	288	3	therefore	therefore	ADV
ajbmeb-1250	288	4	rejects	reject	VERB
ajbmeb-1250	288	5	the	the	DET
ajbmeb-1250	288	6	null	null	ADJ
ajbmeb-1250	288	7	hypothesis	hypothesis	NOUN
ajbmeb-1250	288	8	and	and	CCONJ
ajbmeb-1250	288	9	accepts	accept	VERB
ajbmeb-1250	288	10	the	the	DET
ajbmeb-1250	288	11	null	null	ADJ
ajbmeb-1250	288	12	hypothesis	hypothesis	NOUN
ajbmeb-1250	288	13	that	that	PRON
ajbmeb-1250	288	14	liquidity	liquidity	NOUN
ajbmeb-1250	288	15	management	management	NOUN
ajbmeb-1250	288	16	ratio	ratio	NOUN
ajbmeb-1250	288	17	(	(	PUNCT
ajbmeb-1250	288	18	lqm	lqm	PROPN
ajbmeb-1250	288	19	)	)	PUNCT
ajbmeb-1250	288	20	significantly	significantly	ADV
ajbmeb-1250	288	21	affect	affect	VERB
ajbmeb-1250	288	22	return	return	NOUN
ajbmeb-1250	288	23	on	on	ADP
ajbmeb-1250	288	24	equity	equity	NOUN
ajbmeb-1250	288	25	in	in	ADP
ajbmeb-1250	288	26	quoted	quote	VERB
ajbmeb-1250	288	27	deposit	deposit	NOUN
ajbmeb-1250	288	28	money	money	NOUN
ajbmeb-1250	288	29	banks	bank	NOUN
ajbmeb-1250	288	30	.	.	PUNCT
ajbmeb-1250	289	1	liquidity	liquidity	NOUN
ajbmeb-1250	289	2	management	management	NOUN
ajbmeb-1250	289	3	ratio	ratio	NOUN
ajbmeb-1250	289	4	(	(	PUNCT
ajbmeb-1250	289	5	lqm	lqm	PROPN
ajbmeb-1250	289	6	)	)	PUNCT
ajbmeb-1250	289	7	shows	show	VERB
ajbmeb-1250	289	8	a	a	DET
ajbmeb-1250	289	9	positive	positive	ADJ
ajbmeb-1250	289	10	and	and	CCONJ
ajbmeb-1250	289	11	significant	significant	ADJ
ajbmeb-1250	289	12	(	(	PUNCT
ajbmeb-1250	289	13	0.0000	0.0000	NUM
ajbmeb-1250	289	14	<	<	X
ajbmeb-1250	289	15	0.05	0.05	NUM
ajbmeb-1250	289	16	)	)	PUNCT
ajbmeb-1250	289	17	influence	influence	NOUN
ajbmeb-1250	289	18	on	on	ADP
ajbmeb-1250	289	19	the	the	DET
ajbmeb-1250	289	20	return	return	NOUN
ajbmeb-1250	289	21	on	on	ADP
ajbmeb-1250	289	22	equity	equity	NOUN
ajbmeb-1250	289	23	of	of	ADP
ajbmeb-1250	289	24	sampled	sample	VERB
ajbmeb-1250	289	25	deposit	deposit	NOUN
ajbmeb-1250	289	26	money	money	NOUN
ajbmeb-1250	289	27	banks	bank	NOUN
ajbmeb-1250	289	28	,	,	PUNCT
ajbmeb-1250	289	29	which	which	PRON
ajbmeb-1250	289	30	shows	show	VERB
ajbmeb-1250	289	31	that	that	SCONJ
ajbmeb-1250	289	32	,	,	PUNCT
ajbmeb-1250	289	33	a	a	DET
ajbmeb-1250	289	34	unit	unit	NOUN
ajbmeb-1250	289	35	increase	increase	NOUN
ajbmeb-1250	289	36	in	in	ADP
ajbmeb-1250	289	37	liquidity	liquidity	NOUN
ajbmeb-1250	289	38	management	management	NOUN
ajbmeb-1250	289	39	ratio	ratio	NOUN
ajbmeb-1250	289	40	(	(	PUNCT
ajbmeb-1250	289	41	lqm	lqm	PROPN
ajbmeb-1250	289	42	)	)	PUNCT
ajbmeb-1250	289	43	is	be	AUX
ajbmeb-1250	289	44	likely	likely	ADJ
ajbmeb-1250	289	45	to	to	PART
ajbmeb-1250	289	46	have	have	VERB
ajbmeb-1250	289	47	a	a	DET
ajbmeb-1250	289	48	7.15e-05	7.15e-05	NUM
ajbmeb-1250	289	49	unit	unit	NOUN
ajbmeb-1250	289	50	increase	increase	NOUN
ajbmeb-1250	289	51	in	in	ADP
ajbmeb-1250	289	52	roe	roe	NOUN
ajbmeb-1250	289	53	in	in	ADP
ajbmeb-1250	289	54	the	the	DET
ajbmeb-1250	289	55	long	long	ADJ
ajbmeb-1250	289	56	run	run	NOUN
ajbmeb-1250	289	57	.	.	PUNCT
ajbmeb-1250	290	1	this	this	DET
ajbmeb-1250	290	2	empirical	empirical	ADJ
ajbmeb-1250	290	3	finding	finding	NOUN
ajbmeb-1250	290	4	is	be	AUX
ajbmeb-1250	290	5	consistent	consistent	ADJ
ajbmeb-1250	290	6	with	with	ADP
ajbmeb-1250	290	7	several	several	ADJ
ajbmeb-1250	290	8	study	study	NOUN
ajbmeb-1250	290	9	findings	finding	NOUN
ajbmeb-1250	290	10	.	.	PUNCT
ajbmeb-1250	291	1	it	it	PRON
ajbmeb-1250	291	2	include	include	VERB
ajbmeb-1250	291	3	the	the	DET
ajbmeb-1250	291	4	works	work	NOUN
ajbmeb-1250	291	5	of	of	ADP
ajbmeb-1250	291	6	zainudi	zainudi	PROPN
ajbmeb-1250	291	7	.	.	PUNCT
ajbmeb-1250	291	8	,	,	PUNCT
ajbmeb-1250	291	9	mahdzan	mahdzan	PROPN
ajbmeb-1250	291	10	and	and	CCONJ
ajbmeb-1250	291	11	leong	leong	PROPN
ajbmeb-1250	291	12	(	(	PUNCT
ajbmeb-1250	291	13	2018	2018	NUM
ajbmeb-1250	291	14	)	)	PUNCT
ajbmeb-1250	291	15	.	.	PUNCT
ajbmeb-1250	292	1	it	it	PRON
ajbmeb-1250	292	2	is	be	AUX
ajbmeb-1250	292	3	in	in	ADP
ajbmeb-1250	292	4	line	line	NOUN
ajbmeb-1250	292	5	with	with	ADP
ajbmeb-1250	292	6	apriori	apriori	ADJ
ajbmeb-1250	292	7	expectation	expectation	NOUN
ajbmeb-1250	292	8	which	which	PRON
ajbmeb-1250	292	9	infact	infact	AUX
ajbmeb-1250	292	10	projected	project	VERB
ajbmeb-1250	292	11	significant	significant	ADJ
ajbmeb-1250	292	12	effect	effect	NOUN
ajbmeb-1250	292	13	on	on	ADP
ajbmeb-1250	292	14	predictor	predictor	NOUN
ajbmeb-1250	292	15	and	and	CCONJ
ajbmeb-1250	292	16	criterion	criterion	NOUN
ajbmeb-1250	292	17	sub	sub	NOUN
ajbmeb-1250	292	18	-	-	NOUN
ajbmeb-1250	292	19	variables	variable	NOUN
ajbmeb-1250	292	20	.	.	PUNCT
ajbmeb-1250	293	1	conclusion	conclusion	NOUN
ajbmeb-1250	293	2	and	and	CCONJ
ajbmeb-1250	293	3	recommendations	recommendation	NOUN
ajbmeb-1250	293	4	this	this	DET
ajbmeb-1250	293	5	study	study	NOUN
ajbmeb-1250	293	6	underpins	underpin	VERB
ajbmeb-1250	293	7	with	with	ADP
ajbmeb-1250	293	8	evidence	evidence	NOUN
ajbmeb-1250	293	9	the	the	DET
ajbmeb-1250	293	10	fact	fact	NOUN
ajbmeb-1250	293	11	that	that	SCONJ
ajbmeb-1250	293	12	there	there	PRON
ajbmeb-1250	293	13	exist	exist	VERB
ajbmeb-1250	293	14	a	a	DET
ajbmeb-1250	293	15	strong	strong	ADJ
ajbmeb-1250	293	16	positive	positive	ADJ
ajbmeb-1250	293	17	relationship	relationship	NOUN
ajbmeb-1250	293	18	between	between	ADP
ajbmeb-1250	293	19	efficient	efficient	ADJ
ajbmeb-1250	293	20	liquidity	liquidity	NOUN
ajbmeb-1250	293	21	management	management	NOUN
ajbmeb-1250	293	22	and	and	CCONJ
ajbmeb-1250	293	23	financial	financial	ADJ
ajbmeb-1250	293	24	performance	performance	NOUN
ajbmeb-1250	293	25	in	in	ADP
ajbmeb-1250	293	26	terms	term	NOUN
ajbmeb-1250	293	27	of	of	ADP
ajbmeb-1250	293	28	return	return	NOUN
ajbmeb-1250	293	29	on	on	ADP
ajbmeb-1250	293	30	equity	equity	NOUN
ajbmeb-1250	293	31	.	.	PUNCT
ajbmeb-1250	294	1	therefore	therefore	ADV
ajbmeb-1250	294	2	the	the	DET
ajbmeb-1250	294	3	need	need	NOUN
ajbmeb-1250	294	4	for	for	ADP
ajbmeb-1250	294	5	efficient	efficient	ADJ
ajbmeb-1250	294	6	management	management	NOUN
ajbmeb-1250	294	7	liquidity	liquidity	NOUN
ajbmeb-1250	294	8	management	management	NOUN
ajbmeb-1250	294	9	in	in	ADP
ajbmeb-1250	294	10	the	the	DET
ajbmeb-1250	294	11	banking	banking	NOUN
ajbmeb-1250	294	12	industry	industry	NOUN
ajbmeb-1250	294	13	can	can	AUX
ajbmeb-1250	294	14	not	not	PART
ajbmeb-1250	294	15	be	be	AUX
ajbmeb-1250	294	16	over	over	ADV
ajbmeb-1250	294	17	emphasized	emphasize	VERB
ajbmeb-1250	294	18	particularly	particularly	ADV
ajbmeb-1250	294	19	for	for	ADP
ajbmeb-1250	294	20	reasons	reason	NOUN
ajbmeb-1250	294	21	of	of	ADP
ajbmeb-1250	294	22	maximizing	maximize	VERB
ajbmeb-1250	294	23	profit	profit	NOUN
ajbmeb-1250	294	24	levels	level	NOUN
ajbmeb-1250	294	25	and	and	CCONJ
ajbmeb-1250	294	26	concurrently	concurrently	ADV
ajbmeb-1250	294	27	remaining	remain	VERB
ajbmeb-1250	294	28	liquid	liquid	NOUN
ajbmeb-1250	294	29	.	.	PUNCT
ajbmeb-1250	295	1	for	for	ADP
ajbmeb-1250	295	2	the	the	DET
ajbmeb-1250	295	3	banking	banking	NOUN
ajbmeb-1250	295	4	industry	industry	NOUN
ajbmeb-1250	295	5	in	in	ADP
ajbmeb-1250	295	6	nigeria	nigeria	PROPN
ajbmeb-1250	295	7	,	,	PUNCT
ajbmeb-1250	295	8	there	there	PRON
ajbmeb-1250	295	9	is	be	VERB
ajbmeb-1250	295	10	the	the	DET
ajbmeb-1250	295	11	need	need	NOUN
ajbmeb-1250	295	12	to	to	PART
ajbmeb-1250	295	13	emphasize	emphasize	VERB
ajbmeb-1250	295	14	the	the	DET
ajbmeb-1250	295	15	need	need	NOUN
ajbmeb-1250	295	16	to	to	PART
ajbmeb-1250	295	17	remain	remain	VERB
ajbmeb-1250	295	18	liquid	liquid	ADJ
ajbmeb-1250	295	19	.	.	PUNCT
ajbmeb-1250	296	1	the	the	DET
ajbmeb-1250	296	2	study	study	NOUN
ajbmeb-1250	296	3	buttresses	buttress	VERB
ajbmeb-1250	296	4	the	the	DET
ajbmeb-1250	296	5	fact	fact	NOUN
ajbmeb-1250	296	6	that	that	SCONJ
ajbmeb-1250	296	7	efficient	efficient	ADJ
ajbmeb-1250	296	8	liquidity	liquidity	NOUN
ajbmeb-1250	296	9	management	management	NOUN
ajbmeb-1250	296	10	can	can	AUX
ajbmeb-1250	296	11	significantly	significantly	ADV
ajbmeb-1250	296	12	influence	influence	VERB
ajbmeb-1250	296	13	returns	return	NOUN
ajbmeb-1250	296	14	n	n	DET
ajbmeb-1250	296	15	equity	equity	NOUN
ajbmeb-1250	296	16	and	and	CCONJ
ajbmeb-1250	296	17	as	as	ADV
ajbmeb-1250	296	18	well	well	ADV
ajbmeb-1250	296	19	relate	relate	VERB
ajbmeb-1250	296	20	positively	positively	ADV
ajbmeb-1250	296	21	to	to	ADP
ajbmeb-1250	296	22	financial	financial	ADJ
ajbmeb-1250	296	23	performance	performance	NOUN
ajbmeb-1250	296	24	and	and	CCONJ
ajbmeb-1250	296	25	thus	thus	ADV
ajbmeb-1250	296	26	its	its	PRON
ajbmeb-1250	296	27	stability	stability	NOUN
ajbmeb-1250	296	28	.	.	PUNCT
ajbmeb-1250	297	1	the	the	DET
ajbmeb-1250	297	2	high	high	ADJ
ajbmeb-1250	297	3	number	number	NOUN
ajbmeb-1250	297	4	of	of	ADP
ajbmeb-1250	297	5	illiquid	illiquid	ADJ
ajbmeb-1250	297	6	banks	bank	NOUN
ajbmeb-1250	297	7	in	in	ADP
ajbmeb-1250	297	8	the	the	DET
ajbmeb-1250	297	9	nigerian	nigerian	ADJ
ajbmeb-1250	297	10	banking	banking	NOUN
ajbmeb-1250	297	11	industry	industry	NOUN
ajbmeb-1250	297	12	as	as	SCONJ
ajbmeb-1250	297	13	seen	see	VERB
ajbmeb-1250	297	14	in	in	ADP
ajbmeb-1250	297	15	recent	recent	ADJ
ajbmeb-1250	297	16	times	time	NOUN
ajbmeb-1250	297	17	appears	appear	VERB
ajbmeb-1250	297	18	to	to	PART
ajbmeb-1250	297	19	attest	attest	VERB
ajbmeb-1250	297	20	to	to	ADP
ajbmeb-1250	297	21	the	the	DET
ajbmeb-1250	297	22	fact	fact	NOUN
ajbmeb-1250	297	23	that	that	SCONJ
ajbmeb-1250	297	24	most	most	ADJ
ajbmeb-1250	297	25	banks	bank	NOUN
ajbmeb-1250	297	26	in	in	ADP
ajbmeb-1250	297	27	the	the	DET
ajbmeb-1250	297	28	nigeria	nigeria	PROPN
ajbmeb-1250	297	29	do	do	AUX
ajbmeb-1250	297	30	not	not	PART
ajbmeb-1250	297	31	either	either	ADV
ajbmeb-1250	297	32	place	place	VERB
ajbmeb-1250	297	33	emphasis	emphasis	NOUN
ajbmeb-1250	297	34	on	on	ADP
ajbmeb-1250	297	35	strategic	strategic	ADJ
ajbmeb-1250	297	36	liquidity	liquidity	NOUN
ajbmeb-1250	297	37	management	management	NOUN
ajbmeb-1250	297	38	or	or	CCONJ
ajbmeb-1250	297	39	are	be	AUX
ajbmeb-1250	297	40	deficient	deficient	ADJ
ajbmeb-1250	297	41	in	in	ADP
ajbmeb-1250	297	42	it	it	PRON
ajbmeb-1250	297	43	.	.	PUNCT
ajbmeb-1250	298	1	even	even	ADV
ajbmeb-1250	298	2	though	though	SCONJ
ajbmeb-1250	298	3	they	they	PRON
ajbmeb-1250	298	4	may	may	AUX
ajbmeb-1250	298	5	be	be	AUX
ajbmeb-1250	298	6	efficient	efficient	ADJ
ajbmeb-1250	298	7	,	,	PUNCT
ajbmeb-1250	298	8	most	most	ADJ
ajbmeb-1250	298	9	businesses	business	NOUN
ajbmeb-1250	298	10	in	in	ADP
ajbmeb-1250	298	11	the	the	DET
ajbmeb-1250	298	12	nigerian	nigerian	ADJ
ajbmeb-1250	298	13	economy	economy	NOUN
ajbmeb-1250	298	14	are	be	AUX
ajbmeb-1250	298	15	transacted	transact	VERB
ajbmeb-1250	298	16	purely	purely	ADV
ajbmeb-1250	298	17	on	on	ADP
ajbmeb-1250	298	18	cash	cash	NOUN
ajbmeb-1250	298	19	basis	basis	NOUN
ajbmeb-1250	298	20	such	such	ADJ
ajbmeb-1250	298	21	that	that	SCONJ
ajbmeb-1250	298	22	managing	manage	VERB
ajbmeb-1250	298	23	liquidity	liquidity	NOUN
ajbmeb-1250	298	24	effectively	effectively	ADV
ajbmeb-1250	298	25	become	become	VERB
ajbmeb-1250	298	26	cumbersome	cumbersome	ADJ
ajbmeb-1250	298	27	.	.	PUNCT
ajbmeb-1250	299	1	effective	effective	ADJ
ajbmeb-1250	299	2	liquidity	liquidity	NOUN
ajbmeb-1250	299	3	management	management	NOUN
ajbmeb-1250	299	4	creates	create	VERB
ajbmeb-1250	299	5	good	good	ADJ
ajbmeb-1250	299	6	public	public	ADJ
ajbmeb-1250	299	7	confidence	confidence	NOUN
ajbmeb-1250	299	8	in	in	ADP
ajbmeb-1250	299	9	the	the	DET
ajbmeb-1250	299	10	financial	financial	ADJ
ajbmeb-1250	299	11	system	system	NOUN
ajbmeb-1250	299	12	of	of	ADP
ajbmeb-1250	299	13	a	a	DET
ajbmeb-1250	299	14	country	country	NOUN
ajbmeb-1250	299	15	and	and	CCONJ
ajbmeb-1250	299	16	good	good	ADJ
ajbmeb-1250	299	17	public	public	ADJ
ajbmeb-1250	299	18	confidence	confidence	NOUN
ajbmeb-1250	299	19	prevents	prevent	VERB
ajbmeb-1250	299	20	a	a	DET
ajbmeb-1250	299	21	“	"	PUNCT
ajbmeb-1250	299	22	run	run	NOUN
ajbmeb-1250	299	23	”	"	PUNCT
ajbmeb-1250	299	24	on	on	ADP
ajbmeb-1250	299	25	the	the	DET
ajbmeb-1250	299	26	banking	banking	NOUN
ajbmeb-1250	299	27	system	system	NOUN
ajbmeb-1250	299	28	and	and	CCONJ
ajbmeb-1250	299	29	consequently	consequently	ADV
ajbmeb-1250	299	30	on	on	ADP
ajbmeb-1250	299	31	the	the	DET
ajbmeb-1250	299	32	liquidity	liquidity	NOUN
ajbmeb-1250	299	33	state	state	NOUN
ajbmeb-1250	299	34	of	of	ADP
ajbmeb-1250	299	35	banks	bank	NOUN
ajbmeb-1250	299	36	.	.	PUNCT
ajbmeb-1250	300	1	since	since	SCONJ
ajbmeb-1250	300	2	economic	economic	ADJ
ajbmeb-1250	300	3	laws	law	NOUN
ajbmeb-1250	300	4	and	and	CCONJ
ajbmeb-1250	300	5	variables	variable	NOUN
ajbmeb-1250	300	6	from	from	ADP
ajbmeb-1250	300	7	this	this	DET
ajbmeb-1250	300	8	study	study	NOUN
ajbmeb-1250	300	9	and	and	CCONJ
ajbmeb-1250	300	10	other	other	ADJ
ajbmeb-1250	300	11	related	related	ADJ
ajbmeb-1250	300	12	researchers	researcher	NOUN
ajbmeb-1250	300	13	have	have	AUX
ajbmeb-1250	300	14	attested	attest	VERB
ajbmeb-1250	300	15	to	to	ADP
ajbmeb-1250	300	16	the	the	DET
ajbmeb-1250	300	17	fact	fact	NOUN
ajbmeb-1250	300	18	that	that	SCONJ
ajbmeb-1250	300	19	there	there	PRON
ajbmeb-1250	300	20	is	be	VERB
ajbmeb-1250	300	21	correlation	correlation	NOUN
ajbmeb-1250	300	22	between	between	ADP
ajbmeb-1250	300	23	efficient	efficient	ADJ
ajbmeb-1250	300	24	liquidity	liquidity	NOUN
ajbmeb-1250	300	25	management	management	NOUN
ajbmeb-1250	300	26	and	and	CCONJ
ajbmeb-1250	300	27	banking	banking	NOUN
ajbmeb-1250	300	28	performance	performance	NOUN
ajbmeb-1250	300	29	,	,	PUNCT
ajbmeb-1250	300	30	the	the	DET
ajbmeb-1250	300	31	poor	poor	ADJ
ajbmeb-1250	300	32	liquidity	liquidity	NOUN
ajbmeb-1250	300	33	state	state	NOUN
ajbmeb-1250	300	34	of	of	ADP
ajbmeb-1250	300	35	nigerian	nigerian	ADJ
ajbmeb-1250	300	36	banks	bank	NOUN
ajbmeb-1250	300	37	could	could	AUX
ajbmeb-1250	300	38	be	be	AUX
ajbmeb-1250	300	39	hanged	hang	VERB
ajbmeb-1250	300	40	on	on	ADP
ajbmeb-1250	300	41	management	management	NOUN
ajbmeb-1250	300	42	.	.	PUNCT
ajbmeb-1250	301	1	therefore	therefore	ADV
ajbmeb-1250	301	2	,	,	PUNCT
ajbmeb-1250	301	3	there	there	PRON
ajbmeb-1250	301	4	is	be	VERB
ajbmeb-1250	301	5	the	the	DET
ajbmeb-1250	301	6	need	need	NOUN
ajbmeb-1250	301	7	to	to	PART
ajbmeb-1250	301	8	formulate	formulate	VERB
ajbmeb-1250	301	9	policies	policy	NOUN
ajbmeb-1250	301	10	that	that	PRON
ajbmeb-1250	301	11	will	will	AUX
ajbmeb-1250	301	12	enhance	enhance	VERB
ajbmeb-1250	301	13	effective	effective	ADJ
ajbmeb-1250	301	14	liquidity	liquidity	NOUN
ajbmeb-1250	301	15	management	management	NOUN
ajbmeb-1250	301	16	in	in	ADP
ajbmeb-1250	301	17	the	the	DET
ajbmeb-1250	301	18	banking	banking	NOUN
ajbmeb-1250	301	19	industry	industry	NOUN
ajbmeb-1250	301	20	in	in	ADP
ajbmeb-1250	301	21	nigeria	nigeria	PROPN
ajbmeb-1250	301	22	and	and	CCONJ
ajbmeb-1250	301	23	the	the	DET
ajbmeb-1250	301	24	public	public	ADJ
ajbmeb-1250	301	25	usage	usage	NOUN
ajbmeb-1250	301	26	of	of	ADP
ajbmeb-1250	301	27	cash	cash	NOUN
ajbmeb-1250	301	28	.	.	PUNCT
ajbmeb-1250	302	1	below	below	ADV
ajbmeb-1250	302	2	are	be	AUX
ajbmeb-1250	302	3	the	the	DET
ajbmeb-1250	302	4	recommendation	recommendation	NOUN
ajbmeb-1250	302	5	of	of	ADP
ajbmeb-1250	302	6	the	the	DET
ajbmeb-1250	302	7	study	study	NOUN
ajbmeb-1250	302	8	:	:	PUNCT
ajbmeb-1250	303	1	i	i	X
ajbmeb-1250	303	2	)	)	PUNCT
ajbmeb-1250	303	3	the	the	DET
ajbmeb-1250	303	4	need	need	NOUN
ajbmeb-1250	303	5	to	to	PART
ajbmeb-1250	303	6	replace	replace	VERB
ajbmeb-1250	303	7	being	be	AUX
ajbmeb-1250	303	8	practiced	practice	VERB
ajbmeb-1250	303	9	in	in	ADP
ajbmeb-1250	303	10	the	the	DET
ajbmeb-1250	303	11	advance	advance	NOUN
ajbmeb-1250	303	12	economies	economy	NOUN
ajbmeb-1250	303	13	of	of	ADP
ajbmeb-1250	303	14	the	the	DET
ajbmeb-1250	303	15	world	world	NOUN
ajbmeb-1250	303	16	.	.	PUNCT
ajbmeb-1250	304	1	investing	invest	VERB
ajbmeb-1250	304	2	on	on	ADP
ajbmeb-1250	304	3	human	human	ADJ
ajbmeb-1250	304	4	capital	capital	NOUN
ajbmeb-1250	304	5	may	may	AUX
ajbmeb-1250	304	6	be	be	AUX
ajbmeb-1250	304	7	beyond	beyond	ADP
ajbmeb-1250	304	8	just	just	ADV
ajbmeb-1250	304	9	employees	employee	NOUN
ajbmeb-1250	304	10	but	but	CCONJ
ajbmeb-1250	304	11	also	also	ADV
ajbmeb-1250	304	12	frequently	frequently	ADV
ajbmeb-1250	304	13	creating	create	VERB
ajbmeb-1250	304	14	an	an	DET
ajbmeb-1250	304	15	interactive	interactive	ADJ
ajbmeb-1250	304	16	forum	forum	NOUN
ajbmeb-1250	304	17	where	where	SCONJ
ajbmeb-1250	304	18	bank	bank	NOUN
ajbmeb-1250	304	19	clients	client	NOUN
ajbmeb-1250	304	20	could	could	AUX
ajbmeb-1250	304	21	be	be	AUX
ajbmeb-1250	304	22	sensitize	sensitize	VERB
ajbmeb-1250	304	23	on	on	ADP
ajbmeb-1250	304	24	a	a	DET
ajbmeb-1250	304	25	variety	variety	NOUN
ajbmeb-1250	304	26	of	of	ADP
ajbmeb-1250	304	27	activities	activity	NOUN
ajbmeb-1250	304	28	they	they	PRON
ajbmeb-1250	304	29	indulge	indulge	VERB
ajbmeb-1250	304	30	in	in	ADP
ajbmeb-1250	304	31	that	that	PRON
ajbmeb-1250	304	32	are	be	AUX
ajbmeb-1250	304	33	capable	capable	ADJ
ajbmeb-1250	304	34	of	of	ADP
ajbmeb-1250	304	35	hindering	hinder	VERB
ajbmeb-1250	304	36	effect	effect	NOUN
ajbmeb-1250	304	37	liquidity	liquidity	NOUN
ajbmeb-1250	304	38	management	management	NOUN
ajbmeb-1250	304	39	.	.	PUNCT
ajbmeb-1250	305	1	ii	ii	PROPN
ajbmeb-1250	305	2	)	)	PUNCT
ajbmeb-1250	305	3	the	the	DET
ajbmeb-1250	305	4	need	need	NOUN
ajbmeb-1250	305	5	to	to	PART
ajbmeb-1250	305	6	invest	invest	VERB
ajbmeb-1250	305	7	on	on	ADP
ajbmeb-1250	305	8	human	human	ADJ
ajbmeb-1250	305	9	capital	capital	NOUN
ajbmeb-1250	305	10	by	by	ADP
ajbmeb-1250	305	11	banks	bank	NOUN
ajbmeb-1250	305	12	as	as	SCONJ
ajbmeb-1250	305	13	it	it	PRON
ajbmeb-1250	305	14	offers	offer	VERB
ajbmeb-1250	305	15	the	the	DET
ajbmeb-1250	305	16	highest	high	ADJ
ajbmeb-1250	305	17	returns	return	NOUN
ajbmeb-1250	305	18	in	in	ADP
ajbmeb-1250	305	19	terms	term	NOUN
ajbmeb-1250	305	20	of	of	ADP
ajbmeb-1250	305	21	increasing	increase	VERB
ajbmeb-1250	305	22	performance	performance	NOUN
ajbmeb-1250	305	23	and	and	CCONJ
ajbmeb-1250	305	24	it	it	PRON
ajbmeb-1250	305	25	also	also	ADV
ajbmeb-1250	305	26	enhances	enhance	VERB
ajbmeb-1250	305	27	the	the	DET
ajbmeb-1250	305	28	level	level	NOUN
ajbmeb-1250	305	29	of	of	ADP
ajbmeb-1250	305	30	competence	competence	NOUN
ajbmeb-1250	305	31	of	of	ADP
ajbmeb-1250	305	32	the	the	DET
ajbmeb-1250	305	33	employee	employee	NOUN
ajbmeb-1250	305	34	.	.	PUNCT
ajbmeb-1250	306	1	american	american	PROPN
ajbmeb-1250	306	2	journal	journal	PROPN
ajbmeb-1250	306	3	of	of	ADP
ajbmeb-1250	306	4	business	business	NOUN
ajbmeb-1250	306	5	management	management	NOUN
ajbmeb-1250	306	6	,	,	PUNCT
ajbmeb-1250	306	7	economics	economic	NOUN
ajbmeb-1250	306	8	and	and	CCONJ
ajbmeb-1250	306	9	banking	banking	NOUN
ajbmeb-1250	306	10	volume	volume	NOUN
ajbmeb-1250	306	11	16	16	NUM
ajbmeb-1250	306	12	sep	sep	PROPN
ajbmeb-1250	306	13	,	,	PUNCT
ajbmeb-1250	306	14	2023	2023	NUM
ajbmeb-1250	306	15	p	p	NOUN
ajbmeb-1250	306	16	a	a	DET
ajbmeb-1250	306	17	g	g	NOUN
ajbmeb-1250	306	18	e	e	NOUN
ajbmeb-1250	306	19	|	|	ADV
ajbmeb-1250	306	20	229	229	NUM
ajbmeb-1250	306	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1250	306	22	iii	iii	NOUN
ajbmeb-1250	306	23	)	)	PUNCT
ajbmeb-1250	306	24	regulatory	regulatory	ADJ
ajbmeb-1250	306	25	authority	authority	NOUN
ajbmeb-1250	306	26	should	should	AUX
ajbmeb-1250	306	27	put	put	VERB
ajbmeb-1250	306	28	in	in	ADP
ajbmeb-1250	306	29	place	place	NOUN
ajbmeb-1250	306	30	appropriate	appropriate	ADJ
ajbmeb-1250	306	31	policy	policy	NOUN
ajbmeb-1250	306	32	with	with	ADP
ajbmeb-1250	306	33	compliance	compliance	NOUN
ajbmeb-1250	306	34	measures	measure	NOUN
ajbmeb-1250	306	35	to	to	PART
ajbmeb-1250	306	36	check	check	VERB
ajbmeb-1250	306	37	high	high	ADJ
ajbmeb-1250	306	38	volume	volume	NOUN
ajbmeb-1250	306	39	cash	cash	NOUN
ajbmeb-1250	306	40	transaction	transaction	NOUN
ajbmeb-1250	306	41	and	and	CCONJ
ajbmeb-1250	306	42	cash	cash	NOUN
ajbmeb-1250	306	43	hoarding	hoarding	NOUN
ajbmeb-1250	306	44	prevalent	prevalent	NOUN
ajbmeb-1250	306	45	in	in	ADP
ajbmeb-1250	306	46	the	the	DET
ajbmeb-1250	306	47	economy	economy	NOUN
ajbmeb-1250	306	48	.	.	PUNCT
ajbmeb-1250	307	1	this	this	PRON
ajbmeb-1250	307	2	is	be	AUX
ajbmeb-1250	307	3	important	important	ADJ
ajbmeb-1250	307	4	because	because	SCONJ
ajbmeb-1250	307	5	liquidity	liquidity	NOUN
ajbmeb-1250	307	6	management	management	NOUN
ajbmeb-1250	307	7	is	be	AUX
ajbmeb-1250	307	8	cumbersome	cumbersome	ADJ
ajbmeb-1250	307	9	and	and	CCONJ
ajbmeb-1250	307	10	may	may	AUX
ajbmeb-1250	307	11	be	be	AUX
ajbmeb-1250	307	12	ineffective	ineffective	ADJ
ajbmeb-1250	307	13	in	in	ADP
ajbmeb-1250	307	14	an	an	DET
ajbmeb-1250	307	15	economy	economy	NOUN
ajbmeb-1250	307	16	that	that	PRON
ajbmeb-1250	307	17	operates	operate	VERB
ajbmeb-1250	307	18	solely	solely	ADV
ajbmeb-1250	307	19	on	on	ADP
ajbmeb-1250	307	20	large	large	ADJ
ajbmeb-1250	307	21	volume	volume	NOUN
ajbmeb-1250	307	22	of	of	ADP
ajbmeb-1250	307	23	cash	cash	NOUN
ajbmeb-1250	307	24	transaction	transaction	NOUN
ajbmeb-1250	307	25	or	or	CCONJ
ajbmeb-1250	307	26	conducts	conduct	VERB
ajbmeb-1250	307	27	a	a	DET
ajbmeb-1250	307	28	large	large	ADJ
ajbmeb-1250	307	29	proportion	proportion	NOUN
ajbmeb-1250	307	30	of	of	ADP
ajbmeb-1250	307	31	its	its	PRON
ajbmeb-1250	307	32	transactions	transaction	NOUN
ajbmeb-1250	307	33	in	in	ADP
ajbmeb-1250	307	34	cash	cash	NOUN
ajbmeb-1250	307	35	.	.	PUNCT
ajbmeb-1250	308	1	the	the	DET
ajbmeb-1250	308	2	central	central	ADJ
ajbmeb-1250	308	3	bank	bank	PROPN
ajbmeb-1250	308	4	of	of	ADP
ajbmeb-1250	308	5	nigeria	nigeria	PROPN
ajbmeb-1250	308	6	should	should	AUX
ajbmeb-1250	308	7	critically	critically	ADV
ajbmeb-1250	308	8	review	review	VERB
ajbmeb-1250	308	9	and	and	CCONJ
ajbmeb-1250	308	10	follow	follow	VERB
ajbmeb-1250	308	11	-	-	PUNCT
ajbmeb-1250	308	12	up	up	NOUN
ajbmeb-1250	308	13	or	or	CCONJ
ajbmeb-1250	308	14	monitor	monitor	VERB
ajbmeb-1250	308	15	the	the	DET
ajbmeb-1250	308	16	effectiveness	effectiveness	NOUN
ajbmeb-1250	308	17	of	of	ADP
ajbmeb-1250	308	18	liquidity	liquidity	NOUN
ajbmeb-1250	308	19	policy	policy	NOUN
ajbmeb-1250	308	20	tools	tool	NOUN
ajbmeb-1250	308	21	in	in	ADP
ajbmeb-1250	308	22	banks	bank	NOUN
ajbmeb-1250	308	23	and	and	CCONJ
ajbmeb-1250	308	24	where	where	SCONJ
ajbmeb-1250	308	25	necessary	necessary	ADJ
ajbmeb-1250	308	26	,	,	PUNCT
ajbmeb-1250	308	27	appropriate	appropriate	ADJ
ajbmeb-1250	308	28	sanctions	sanction	NOUN
ajbmeb-1250	308	29	placed	place	VERB
ajbmeb-1250	308	30	on	on	ADP
ajbmeb-1250	308	31	erring	err	VERB
ajbmeb-1250	308	32	banks	bank	NOUN
ajbmeb-1250	308	33	.	.	PUNCT
ajbmeb-1250	309	1	this	this	PRON
ajbmeb-1250	309	2	may	may	AUX
ajbmeb-1250	309	3	be	be	AUX
ajbmeb-1250	309	4	so	so	ADV
ajbmeb-1250	309	5	in	in	ADP
ajbmeb-1250	309	6	order	order	NOUN
ajbmeb-1250	309	7	to	to	PART
ajbmeb-1250	309	8	ensure	ensure	VERB
ajbmeb-1250	309	9	effective	effective	ADJ
ajbmeb-1250	309	10	implementation	implementation	NOUN
ajbmeb-1250	309	11	of	of	ADP
ajbmeb-1250	309	12	these	these	DET
ajbmeb-1250	309	13	policy	policy	NOUN
ajbmeb-1250	309	14	tools	tool	NOUN
ajbmeb-1250	309	15	in	in	ADP
ajbmeb-1250	309	16	an	an	DET
ajbmeb-1250	309	17	attempt	attempt	NOUN
ajbmeb-1250	309	18	to	to	PART
ajbmeb-1250	309	19	achieve	achieve	VERB
ajbmeb-1250	309	20	desired	desire	VERB
ajbmeb-1250	309	21	liquidity	liquidity	NOUN
ajbmeb-1250	309	22	level	level	NOUN
ajbmeb-1250	309	23	while	while	SCONJ
ajbmeb-1250	309	24	it	it	PRON
ajbmeb-1250	309	25	may	may	AUX
ajbmeb-1250	309	26	be	be	AUX
ajbmeb-1250	309	27	true	true	ADJ
ajbmeb-1250	309	28	that	that	SCONJ
ajbmeb-1250	309	29	cbn	cbn	PROPN
ajbmeb-1250	309	30	is	be	AUX
ajbmeb-1250	309	31	effectively	effectively	ADV
ajbmeb-1250	309	32	enacting	enact	VERB
ajbmeb-1250	309	33	and	and	CCONJ
ajbmeb-1250	309	34	reviewing	review	VERB
ajbmeb-1250	309	35	liquidity	liquidity	NOUN
ajbmeb-1250	309	36	management	management	NOUN
ajbmeb-1250	309	37	tools	tool	NOUN
ajbmeb-1250	309	38	such	such	ADJ
ajbmeb-1250	309	39	as	as	ADP
ajbmeb-1250	309	40	the	the	DET
ajbmeb-1250	309	41	open	open	ADJ
ajbmeb-1250	309	42	market	market	NOUN
ajbmeb-1250	309	43	operation	operation	NOUN
ajbmeb-1250	309	44	cash	cash	NOUN
ajbmeb-1250	309	45	reserve	reserve	NOUN
ajbmeb-1250	309	46	requirement	requirement	NOUN
ajbmeb-1250	309	47	,	,	PUNCT
ajbmeb-1250	309	48	liquidity	liquidity	NOUN
ajbmeb-1250	309	49	ratios	ratio	NOUN
ajbmeb-1250	309	50	,	,	PUNCT
ajbmeb-1250	309	51	monetary	monetary	ADJ
ajbmeb-1250	309	52	policy	policy	NOUN
ajbmeb-1250	309	53	rate	rate	NOUN
ajbmeb-1250	309	54	among	among	ADP
ajbmeb-1250	309	55	as	as	ADV
ajbmeb-1250	309	56	often	often	ADV
ajbmeb-1250	309	57	been	be	AUX
ajbmeb-1250	309	58	stated	state	VERB
ajbmeb-1250	309	59	in	in	ADP
ajbmeb-1250	309	60	the	the	DET
ajbmeb-1250	309	61	annual	annual	ADJ
ajbmeb-1250	309	62	and	and	CCONJ
ajbmeb-1250	309	63	economic	economic	ADJ
ajbmeb-1250	309	64	reports	report	NOUN
ajbmeb-1250	309	65	,	,	PUNCT
ajbmeb-1250	309	66	compliance	compliance	NOUN
ajbmeb-1250	309	67	by	by	ADP
ajbmeb-1250	309	68	the	the	DET
ajbmeb-1250	309	69	beneficiary	beneficiary	NOUN
ajbmeb-1250	309	70	banks	bank	NOUN
ajbmeb-1250	309	71	is	be	AUX
ajbmeb-1250	309	72	not	not	PART
ajbmeb-1250	309	73	guaranteed	guarantee	VERB
ajbmeb-1250	309	74	as	as	ADP
ajbmeb-1250	309	75	banks	bank	NOUN
ajbmeb-1250	309	76	returns	return	NOUN
ajbmeb-1250	309	77	to	to	ADP
ajbmeb-1250	309	78	the	the	DET
ajbmeb-1250	309	79	regulatory	regulatory	ADJ
ajbmeb-1250	309	80	authority	authority	NOUN
ajbmeb-1250	309	81	has	have	AUX
ajbmeb-1250	309	82	been	be	AUX
ajbmeb-1250	309	83	reportedly	reportedly	ADV
ajbmeb-1250	309	84	falsified	falsify	VERB
ajbmeb-1250	309	85	over	over	ADP
ajbmeb-1250	309	86	times	time	NOUN
ajbmeb-1250	309	87	.	.	PUNCT
ajbmeb-1250	310	1	limitation	limitation	NOUN
ajbmeb-1250	310	2	and	and	CCONJ
ajbmeb-1250	310	3	suggestion	suggestion	NOUN
ajbmeb-1250	310	4	for	for	ADP
ajbmeb-1250	310	5	further	further	ADJ
ajbmeb-1250	310	6	studies	study	NOUN
ajbmeb-1250	310	7	the	the	DET
ajbmeb-1250	310	8	findings	finding	NOUN
ajbmeb-1250	310	9	of	of	ADP
ajbmeb-1250	310	10	the	the	DET
ajbmeb-1250	310	11	current	current	ADJ
ajbmeb-1250	310	12	study	study	NOUN
ajbmeb-1250	310	13	are	be	AUX
ajbmeb-1250	310	14	applicable	applicable	ADJ
ajbmeb-1250	310	15	only	only	ADV
ajbmeb-1250	310	16	to	to	ADP
ajbmeb-1250	310	17	eight	eight	NUM
ajbmeb-1250	310	18	international	international	ADJ
ajbmeb-1250	310	19	deposit	deposit	NOUN
ajbmeb-1250	310	20	money	money	NOUN
ajbmeb-1250	310	21	banks	bank	NOUN
ajbmeb-1250	310	22	in	in	ADP
ajbmeb-1250	310	23	nigeria	nigeria	PROPN
ajbmeb-1250	310	24	which	which	PRON
ajbmeb-1250	310	25	were	be	AUX
ajbmeb-1250	310	26	in	in	ADP
ajbmeb-1250	310	27	operation	operation	NOUN
ajbmeb-1250	310	28	as	as	ADP
ajbmeb-1250	310	29	at	at	ADP
ajbmeb-1250	310	30	december	december	PROPN
ajbmeb-1250	310	31	2020	2020	NUM
ajbmeb-1250	310	32	and	and	CCONJ
ajbmeb-1250	310	33	therefore	therefore	ADV
ajbmeb-1250	310	34	it	it	PRON
ajbmeb-1250	310	35	is	be	AUX
ajbmeb-1250	310	36	hard	hard	ADJ
ajbmeb-1250	310	37	to	to	PART
ajbmeb-1250	310	38	generalize	generalize	VERB
ajbmeb-1250	310	39	these	these	DET
ajbmeb-1250	310	40	findings	finding	NOUN
ajbmeb-1250	310	41	to	to	ADP
ajbmeb-1250	310	42	all	all	DET
ajbmeb-1250	310	43	financial	financial	ADJ
ajbmeb-1250	310	44	institutions	institution	NOUN
ajbmeb-1250	310	45	.	.	PUNCT
ajbmeb-1250	311	1	including	include	VERB
ajbmeb-1250	311	2	microfinance	microfinance	NOUN
ajbmeb-1250	311	3	banks	bank	NOUN
ajbmeb-1250	311	4	and	and	CCONJ
ajbmeb-1250	311	5	only	only	ADV
ajbmeb-1250	311	6	return	return	VERB
ajbmeb-1250	311	7	equity	equity	NOUN
ajbmeb-1250	311	8	and	and	CCONJ
ajbmeb-1250	311	9	liquidity	liquidity	NOUN
ajbmeb-1250	311	10	management	management	NOUN
ajbmeb-1250	311	11	were	be	AUX
ajbmeb-1250	311	12	used	use	VERB
ajbmeb-1250	311	13	for	for	ADP
ajbmeb-1250	311	14	this	this	DET
ajbmeb-1250	311	15	study	study	NOUN
ajbmeb-1250	311	16	.	.	PUNCT
ajbmeb-1250	312	1	further	further	ADJ
ajbmeb-1250	312	2	studies	study	NOUN
ajbmeb-1250	312	3	should	should	AUX
ajbmeb-1250	312	4	adopt	adopt	VERB
ajbmeb-1250	312	5	more	more	ADJ
ajbmeb-1250	312	6	variables	variable	NOUN
ajbmeb-1250	312	7	spanning	span	VERB
ajbmeb-1250	312	8	from	from	ADP
ajbmeb-1250	312	9	2020	2020	NUM
ajbmeb-1250	312	10	2023	2023	NUM
ajbmeb-1250	312	11	.	.	PUNCT
ajbmeb-1250	313	1	references	reference	NOUN
ajbmeb-1250	313	2	1	1	NUM
ajbmeb-1250	313	3	.	.	PUNCT
ajbmeb-1250	313	4	adeolu	adeolu	PROPN
ajbmeb-1250	313	5	,	,	PUNCT
ajbmeb-1250	313	6	a.m.	a.m.	PROPN
ajbmeb-1250	313	7	(	(	PUNCT
ajbmeb-1250	313	8	2023	2023	NUM
ajbmeb-1250	313	9	)	)	PUNCT
ajbmeb-1250	313	10	.	.	PUNCT
ajbmeb-1250	314	1	asset	asset	NOUN
ajbmeb-1250	314	2	quality	quality	NOUN
ajbmeb-1250	314	3	and	and	CCONJ
ajbmeb-1250	314	4	bank	bank	NOUN
ajbmeb-1250	314	5	performance	performance	NOUN
ajbmeb-1250	314	6	:	:	PUNCT
ajbmeb-1250	314	7	a	a	DET
ajbmeb-1250	314	8	study	study	NOUN
ajbmeb-1250	314	9	commercial	commercial	ADJ
ajbmeb-1250	314	10	banks	bank	NOUN
ajbmeb-1250	314	11	in	in	ADP
ajbmeb-1250	314	12	nigeria	nigeria	PROPN
ajbmeb-1250	314	13	.	.	PUNCT
ajbmeb-1250	315	1	research	research	NOUN
ajbmeb-1250	315	2	journal	journal	PROPN
ajbmeb-1250	315	3	of	of	ADP
ajbmeb-1250	315	4	finance	finance	NOUN
ajbmeb-1250	315	5	and	and	CCONJ
ajbmeb-1250	315	6	accounting	accounting	NOUN
ajbmeb-1250	315	7	,	,	PUNCT
ajbmeb-1250	315	8	3(18),38	3(18),38	NUM
ajbmeb-1250	315	9	-	-	SYM
ajbmeb-1250	315	10	44	44	NUM
ajbmeb-1250	315	11	2	2	NUM
ajbmeb-1250	315	12	.	.	PUNCT
ajbmeb-1250	316	1	adeyinka	adeyinka	PROPN
ajbmeb-1250	316	2	,	,	PUNCT
ajbmeb-1250	316	3	s.	s.	PROPN
ajbmeb-1250	316	4	(	(	PUNCT
ajbmeb-1250	316	5	2014	2014	NUM
ajbmeb-1250	316	6	)	)	PUNCT
ajbmeb-1250	316	7	.	.	PUNCT
ajbmeb-1250	317	1	capital	capital	NOUN
ajbmeb-1250	317	2	adequacy	adequacy	NOUN
ajbmeb-1250	317	3	and	and	CCONJ
ajbmeb-1250	317	4	banks	bank	NOUN
ajbmeb-1250	317	5	profitability	profitability	NOUN
ajbmeb-1250	317	6	:	:	PUNCT
ajbmeb-1250	317	7	an	an	DET
ajbmeb-1250	317	8	empirical	empirical	ADJ
ajbmeb-1250	317	9	evidence	evidence	NOUN
ajbmeb-1250	317	10	from	from	ADP
ajbmeb-1250	317	11	nigeria	nigeria	PROPN
ajbmeb-1250	317	12	american	american	PROPN
ajbmeb-1250	317	13	international	international	PROPN
ajbmeb-1250	317	14	journal	journal	PROPN
ajbmeb-1250	317	15	of	of	ADP
ajbmeb-1250	317	16	contemporary	contemporary	PROPN
ajbmeb-1250	317	17	research	research	NOUN
ajbmeb-1250	317	18	,	,	PUNCT
ajbmeb-1250	317	19	1(3),10	1(3),10	NUM
ajbmeb-1250	317	20	-	-	SYM
ajbmeb-1250	317	21	20	20	NUM
ajbmeb-1250	317	22	3	3	NUM
ajbmeb-1250	317	23	.	.	PUNCT
ajbmeb-1250	317	24	agbada	agbada	PROPN
ajbmeb-1250	317	25	,	,	PUNCT
ajbmeb-1250	317	26	a.o	a.o	PROPN
ajbmeb-1250	317	27	.	.	PROPN
ajbmeb-1250	317	28	&	&	CCONJ
ajbmeb-1250	317	29	osuji	osuji	PROPN
ajbmeb-1250	317	30	,	,	PUNCT
ajbmeb-1250	317	31	c.c	c.c	PROPN
ajbmeb-1250	317	32	.	.	PROPN
ajbmeb-1250	317	33	(	(	PUNCT
ajbmeb-1250	317	34	2013	2013	NUM
ajbmeb-1250	317	35	)	)	PUNCT
ajbmeb-1250	317	36	.	.	PUNCT
ajbmeb-1250	318	1	the	the	DET
ajbmeb-1250	318	2	efficacy	efficacy	NOUN
ajbmeb-1250	318	3	of	of	ADP
ajbmeb-1250	318	4	liquidity	liquidity	NOUN
ajbmeb-1250	318	5	management	management	NOUN
ajbmeb-1250	318	6	and	and	CCONJ
ajbmeb-1250	318	7	banking	banking	NOUN
ajbmeb-1250	318	8	performance	performance	NOUN
ajbmeb-1250	318	9	in	in	ADP
ajbmeb-1250	318	10	nigeria	nigeria	PROPN
ajbmeb-1250	318	11	.	.	PUNCT
ajbmeb-1250	319	1	international	international	ADJ
ajbmeb-1250	319	2	review	review	NOUN
ajbmeb-1250	319	3	of	of	ADP
ajbmeb-1250	319	4	management	management	NOUN
ajbmeb-1250	319	5	and	and	CCONJ
ajbmeb-1250	319	6	business	business	NOUN
ajbmeb-1250	319	7	research	research	NOUN
ajbmeb-1250	319	8	,	,	PUNCT
ajbmeb-1250	319	9	2(1),223	2(1),223	NUM
ajbmeb-1250	319	10	-	-	SYM
ajbmeb-1250	319	11	233	233	NUM
ajbmeb-1250	319	12	4	4	NUM
ajbmeb-1250	319	13	.	.	PUNCT
ajbmeb-1250	320	1	bassey	bassey	PROPN
ajbmeb-1250	320	2	,	,	PUNCT
ajbmeb-1250	320	3	g.e	g.e	PROPN
ajbmeb-1250	320	4	.	.	PROPN
ajbmeb-1250	320	5	&	&	CCONJ
ajbmeb-1250	320	6	moses	moses	PROPN
ajbmeb-1250	320	7	,	,	PUNCT
ajbmeb-1250	320	8	c.e	c.e	PROPN
ajbmeb-1250	320	9	.	.	PROPN
ajbmeb-1250	321	1	(	(	PUNCT
ajbmeb-1250	321	2	2015	2015	NUM
ajbmeb-1250	321	3	)	)	PUNCT
ajbmeb-1250	321	4	.	.	PUNCT
ajbmeb-1250	322	1	bank	bank	NOUN
ajbmeb-1250	322	2	profitability	profitability	NOUN
ajbmeb-1250	322	3	and	and	CCONJ
ajbmeb-1250	322	4	liquidity	liquidity	NOUN
ajbmeb-1250	322	5	management	management	NOUN
ajbmeb-1250	322	6	.	.	PUNCT
ajbmeb-1250	323	1	a	a	DET
ajbmeb-1250	323	2	case	case	NOUN
ajbmeb-1250	323	3	study	study	NOUN
ajbmeb-1250	323	4	of	of	ADP
ajbmeb-1250	323	5	selected	select	VERB
ajbmeb-1250	323	6	nigerian	nigerian	ADJ
ajbmeb-1250	323	7	deposit	deposit	NOUN
ajbmeb-1250	323	8	money	money	NOUN
ajbmeb-1250	323	9	banks	bank	NOUN
ajbmeb-1250	323	10	.	.	PUNCT
ajbmeb-1250	324	1	international	international	ADJ
ajbmeb-1250	324	2	journal	journal	NOUN
ajbmeb-1250	324	3	of	of	ADP
ajbmeb-1250	324	4	economies	economy	NOUN
ajbmeb-1250	324	5	.	.	PUNCT
ajbmeb-1250	325	1	commerce	commerce	NOUN
ajbmeb-1250	325	2	and	and	CCONJ
ajbmeb-1250	325	3	management	management	NOUN
ajbmeb-1250	325	4	,	,	PUNCT
ajbmeb-1250	325	5	3(4),1	3(4),1	PROPN
ajbmeb-1250	325	6	-	-	SYM
ajbmeb-1250	325	7	24	24	NUM
ajbmeb-1250	325	8	.	.	PUNCT
ajbmeb-1250	325	9	5	5	NUM
ajbmeb-1250	325	10	.	.	X
ajbmeb-1250	325	11	deborah	deborah	PROPN
ajbmeb-1250	325	12	,	,	PUNCT
ajbmeb-1250	325	13	p.	p.	NOUN
ajbmeb-1250	325	14	(	(	PUNCT
ajbmeb-1250	325	15	2020	2020	NUM
ajbmeb-1250	325	16	)	)	PUNCT
ajbmeb-1250	325	17	.	.	PUNCT
ajbmeb-1250	326	1	capital	capital	NOUN
ajbmeb-1250	326	2	relocation	relocation	NOUN
ajbmeb-1250	326	3	in	in	ADP
ajbmeb-1250	326	4	africa	africa	PROPN
ajbmeb-1250	326	5	.	.	PUNCT
ajbmeb-1250	327	1	the	the	DET
ajbmeb-1250	327	2	case	case	NOUN
ajbmeb-1250	327	3	of	of	ADP
ajbmeb-1250	327	4	lilongwe	lilongwe	PROPN
ajbmeb-1250	327	5	in	in	ADP
ajbmeb-1250	327	6	malawi	malawi	PROPN
ajbmeb-1250	327	7	.	.	PUNCT
ajbmeb-1250	328	1	the	the	DET
ajbmeb-1250	328	2	geographical	geographical	ADJ
ajbmeb-1250	328	3	journal	journal	NOUN
ajbmeb-1250	328	4	,	,	PUNCT
ajbmeb-1250	328	5	151(2	151(2	NUM
ajbmeb-1250	328	6	)	)	PUNCT
ajbmeb-1250	328	7	,	,	PUNCT
ajbmeb-1250	328	8	182	182	NUM
ajbmeb-1250	328	9	-	-	SYM
ajbmeb-1250	328	10	196	196	NUM
ajbmeb-1250	328	11	.	.	PUNCT
ajbmeb-1250	329	1	6	6	NUM
ajbmeb-1250	329	2	.	.	X
ajbmeb-1250	329	3	dgl	dgl	PROPN
ajbmeb-1250	329	4	,	,	PUNCT
ajbmeb-1250	329	5	r.	r.	PROPN
ajbmeb-1250	329	6	(	(	PUNCT
ajbmeb-1250	329	7	2023	2023	NUM
ajbmeb-1250	329	8	)	)	PUNCT
ajbmeb-1250	329	9	.	.	PUNCT
ajbmeb-1250	330	1	impact	impact	NOUN
ajbmeb-1250	330	2	of	of	ADP
ajbmeb-1250	330	3	credit	credit	NOUN
ajbmeb-1250	330	4	risk	risk	NOUN
ajbmeb-1250	330	5	on	on	ADP
ajbmeb-1250	330	6	financial	financial	ADJ
ajbmeb-1250	330	7	performance	performance	NOUN
ajbmeb-1250	330	8	of	of	ADP
ajbmeb-1250	330	9	sri	sri	PROPN
ajbmeb-1250	330	10	lankan	lankan	PROPN
ajbmeb-1250	330	11	commercial	commercial	ADJ
ajbmeb-1250	330	12	banks	bank	NOUN
ajbmeb-1250	330	13	south	south	PROPN
ajbmeb-1250	330	14	eastern	eastern	PROPN
ajbmeb-1250	330	15	university	university	PROPN
ajbmeb-1250	330	16	arts	art	NOUN
ajbmeb-1250	330	17	research	research	NOUN
ajbmeb-1250	330	18	session	session	NOUN
ajbmeb-1250	330	19	.	.	PUNCT
ajbmeb-1250	331	1	7	7	X
ajbmeb-1250	331	2	.	.	X
ajbmeb-1250	331	3	edem	edem	PROPN
ajbmeb-1250	331	4	,	,	PUNCT
ajbmeb-1250	331	5	b.e	b.e	PROPN
ajbmeb-1250	331	6	.	.	PROPN
ajbmeb-1250	331	7	(	(	PUNCT
ajbmeb-1250	331	8	2017	2017	NUM
ajbmeb-1250	331	9	)	)	PUNCT
ajbmeb-1250	331	10	.	.	PUNCT
ajbmeb-1250	332	1	liquidity	liquidity	NOUN
ajbmeb-1250	332	2	management	management	NOUN
ajbmeb-1250	332	3	and	and	CCONJ
ajbmeb-1250	332	4	performance	performance	NOUN
ajbmeb-1250	332	5	of	of	ADP
ajbmeb-1250	332	6	deposit	deposit	NOUN
ajbmeb-1250	332	7	money	money	NOUN
ajbmeb-1250	332	8	banks	bank	NOUN
ajbmeb-1250	332	9	in	in	ADP
ajbmeb-1250	332	10	nigeria	nigeria	PROPN
ajbmeb-1250	332	11	.	.	PUNCT
ajbmeb-1250	333	1	international	international	ADJ
ajbmeb-1250	333	2	journal	journal	PROPN
ajbmeb-1250	333	3	of	of	ADP
ajbmeb-1250	333	4	economics	economic	NOUN
ajbmeb-1250	333	5	,	,	PUNCT
ajbmeb-1250	333	6	finance	finance	NOUN
ajbmeb-1250	333	7	and	and	CCONJ
ajbmeb-1250	333	8	management	management	NOUN
ajbmeb-1250	333	9	sciences	science	NOUN
ajbmeb-1250	333	10	,	,	PUNCT
ajbmeb-1250	333	11	5(3),146	5(3),146	NUM
ajbmeb-1250	333	12	-	-	SYM
ajbmeb-1250	333	13	161	161	NUM
ajbmeb-1250	333	14	8	8	NUM
ajbmeb-1250	333	15	.	.	PUNCT
ajbmeb-1250	334	1	heffeman	heffeman	NOUN
ajbmeb-1250	334	2	,	,	PUNCT
ajbmeb-1250	334	3	s.	s.	PROPN
ajbmeb-1250	334	4	,	,	PUNCT
ajbmeb-1250	334	5	&	&	CCONJ
ajbmeb-1250	334	6	fu	fu	PROPN
ajbmeb-1250	334	7	,	,	PUNCT
ajbmeb-1250	334	8	x.(2022	x.(2022	PROPN
ajbmeb-1250	334	9	)	)	PUNCT
ajbmeb-1250	334	10	.	.	PUNCT
ajbmeb-1250	335	1	determinants	determinant	NOUN
ajbmeb-1250	335	2	of	of	ADP
ajbmeb-1250	335	3	financial	financial	ADJ
ajbmeb-1250	335	4	performance	performance	NOUN
ajbmeb-1250	335	5	in	in	ADP
ajbmeb-1250	335	6	chinese	chinese	ADJ
ajbmeb-1250	335	7	banking	banking	NOUN
ajbmeb-1250	335	8	.	.	PUNCT
ajbmeb-1250	336	1	applied	apply	VERB
ajbmeb-1250	336	2	financial	financial	ADJ
ajbmeb-1250	336	3	economics	economic	NOUN
ajbmeb-1250	336	4	,	,	PUNCT
ajbmeb-1250	336	5	20(20),1585	20(20),1585	NUM
ajbmeb-1250	336	6	-	-	SYM
ajbmeb-1250	336	7	1600	1600	NUM
ajbmeb-1250	336	8	9	9	NUM
ajbmeb-1250	336	9	.	.	PUNCT
ajbmeb-1250	337	1	ibe	ibe	PROPN
ajbmeb-1250	337	2	,	,	PUNCT
ajbmeb-1250	337	3	s.o	s.o	PROPN
ajbmeb-1250	337	4	.	.	PROPN
ajbmeb-1250	337	5	(	(	PUNCT
ajbmeb-1250	337	6	2023	2023	NUM
ajbmeb-1250	337	7	)	)	PUNCT
ajbmeb-1250	337	8	.	.	PUNCT
ajbmeb-1250	338	1	the	the	DET
ajbmeb-1250	338	2	impact	impact	NOUN
ajbmeb-1250	338	3	of	of	ADP
ajbmeb-1250	338	4	liquidity	liquidity	NOUN
ajbmeb-1250	338	5	management	management	NOUN
ajbmeb-1250	338	6	on	on	ADP
ajbmeb-1250	338	7	the	the	DET
ajbmeb-1250	338	8	profitability	profitability	NOUN
ajbmeb-1250	338	9	of	of	ADP
ajbmeb-1250	338	10	banks	bank	NOUN
ajbmeb-1250	338	11	in	in	ADP
ajbmeb-1250	338	12	nigeria	nigeria	PROPN
ajbmeb-1250	338	13	.	.	PUNCT
ajbmeb-1250	339	1	journal	journal	PROPN
ajbmeb-1250	339	2	of	of	ADP
ajbmeb-1250	339	3	finance	finance	NOUN
ajbmeb-1250	339	4	and	and	CCONJ
ajbmeb-1250	339	5	bank	bank	NOUN
ajbmeb-1250	339	6	management	management	NOUN
ajbmeb-1250	339	7	,	,	PUNCT
ajbmeb-1250	339	8	1(1),11	1(1),11	NUM
ajbmeb-1250	339	9	-	-	SYM
ajbmeb-1250	339	10	19	19	NUM
ajbmeb-1250	339	11	.	.	NOUN
ajbmeb-1250	339	12	10	10	NUM
ajbmeb-1250	339	13	.	.	PUNCT
ajbmeb-1250	340	1	kehinde	kehinde	PROPN
ajbmeb-1250	340	2	,	,	PUNCT
ajbmeb-1250	340	3	o.p	o.p	PROPN
ajbmeb-1250	340	4	.	.	PROPN
ajbmeb-1250	340	5	(	(	PUNCT
ajbmeb-1250	340	6	2023	2023	NUM
ajbmeb-1250	340	7	)	)	PUNCT
ajbmeb-1250	340	8	.	.	PUNCT
ajbmeb-1250	341	1	an	an	DET
ajbmeb-1250	341	2	empirical	empirical	ADJ
ajbmeb-1250	341	3	investigation	investigation	NOUN
ajbmeb-1250	341	4	of	of	ADP
ajbmeb-1250	341	5	the	the	DET
ajbmeb-1250	341	6	liquidity	liquidity	NOUN
ajbmeb-1250	341	7	profitability	profitability	NOUN
ajbmeb-1250	341	8	relationship	relationship	NOUN
ajbmeb-1250	341	9	in	in	ADP
ajbmeb-1250	341	10	nigerian	nigerian	ADJ
ajbmeb-1250	341	11	commercial	commercial	ADJ
ajbmeb-1250	341	12	banks	bank	NOUN
ajbmeb-1250	341	13	.	.	PUNCT
ajbmeb-1250	342	1	journal	journal	PROPN
ajbmeb-1250	342	2	of	of	ADP
ajbmeb-1250	342	3	economics	economic	NOUN
ajbmeb-1250	342	4	and	and	CCONJ
ajbmeb-1250	342	5	sustainable	sustainable	ADJ
ajbmeb-1250	342	6	dev	dev	NOUN
ajbmeb-1250	342	7	elopement	elopement	NOUN
ajbmeb-1250	342	8	,	,	PUNCT
ajbmeb-1250	342	9	24(4	24(4	NUM
ajbmeb-1250	342	10	)	)	PUNCT
ajbmeb-1250	342	11	,	,	PUNCT
ajbmeb-1250	342	12	6	6	NUM
ajbmeb-1250	342	13	-	-	SYM
ajbmeb-1250	342	14	13	13	NUM
ajbmeb-1250	342	15	american	american	ADJ
ajbmeb-1250	342	16	journal	journal	PROPN
ajbmeb-1250	342	17	of	of	ADP
ajbmeb-1250	342	18	business	business	NOUN
ajbmeb-1250	342	19	management	management	NOUN
ajbmeb-1250	342	20	,	,	PUNCT
ajbmeb-1250	342	21	economics	economic	NOUN
ajbmeb-1250	342	22	and	and	CCONJ
ajbmeb-1250	342	23	banking	banking	NOUN
ajbmeb-1250	342	24	volume	volume	NOUN
ajbmeb-1250	342	25	16	16	NUM
ajbmeb-1250	342	26	sep	sep	PROPN
ajbmeb-1250	342	27	,	,	PUNCT
ajbmeb-1250	342	28	2023	2023	NUM
ajbmeb-1250	342	29	p	p	NOUN
ajbmeb-1250	342	30	a	a	DET
ajbmeb-1250	342	31	g	g	NOUN
ajbmeb-1250	342	32	e	e	NOUN
ajbmeb-1250	342	33	|	|	ADV
ajbmeb-1250	342	34	230	230	NUM
ajbmeb-1250	342	35	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1250	342	36	11	11	NUM
ajbmeb-1250	342	37	.	.	PUNCT
ajbmeb-1250	343	1	kioko	kioko	PROPN
ajbmeb-1250	343	2	,	,	PUNCT
ajbmeb-1250	343	3	c.	c.	PROPN
ajbmeb-1250	343	4	,	,	PUNCT
ajbmeb-1250	343	5	kingori	kingori	PROPN
ajbmeb-1250	343	6	,	,	PUNCT
ajbmeb-1250	343	7	s.	s.	PROPN
ajbmeb-1250	343	8	&	&	CCONJ
ajbmeb-1250	343	9	shikumo	shikumo	PROPN
ajbmeb-1250	343	10	,	,	PUNCT
ajbmeb-1250	343	11	d.h	d.h	PROPN
ajbmeb-1250	343	12	.	.	PROPN
ajbmeb-1250	343	13	(	(	PUNCT
ajbmeb-1250	343	14	2017	2017	NUM
ajbmeb-1250	343	15	)	)	PUNCT
ajbmeb-1250	343	16	.	.	PUNCT
ajbmeb-1250	344	1	determinants	determinant	NOUN
ajbmeb-1250	344	2	of	of	ADP
ajbmeb-1250	344	3	financial	financial	ADJ
ajbmeb-1250	344	4	performance	performance	NOUN
ajbmeb-1250	344	5	of	of	ADP
ajbmeb-1250	344	6	microfinance	microfinance	NOUN
ajbmeb-1250	344	7	banks	bank	NOUN
ajbmeb-1250	344	8	in	in	ADP
ajbmeb-1250	344	9	kenya	kenya	PROPN
ajbmeb-1250	344	10	.	.	PUNCT
ajbmeb-1250	345	1	research	research	NOUN
ajbmeb-1250	345	2	journal	journal	PROPN
ajbmeb-1250	345	3	of	of	ADP
ajbmeb-1250	345	4	finance	finance	NOUN
ajbmeb-1250	345	5	and	and	CCONJ
ajbmeb-1250	345	6	accounting	accounting	NOUN
ajbmeb-1250	345	7	issn	issn	PROPN
ajbmeb-1250	345	8	,	,	PUNCT
ajbmeb-1250	345	9	8(6	8(6	NUM
ajbmeb-1250	345	10	)	)	PUNCT
ajbmeb-1250	345	11	,	,	PUNCT
ajbmeb-1250	345	12	15	15	NUM
ajbmeb-1250	345	13	-	-	SYM
ajbmeb-1250	345	14	17	17	NUM
ajbmeb-1250	345	15	12	12	NUM
ajbmeb-1250	345	16	.	.	PUNCT
ajbmeb-1250	346	1	lucky	lucky	ADJ
ajbmeb-1250	346	2	,	,	PUNCT
ajbmeb-1250	346	3	a.l	a.l	PROPN
ajbmeb-1250	346	4	.	.	PROPN
ajbmeb-1250	346	5	&	&	CCONJ
ajbmeb-1250	346	6	nwosi	nwosi	PROPN
ajbmeb-1250	346	7	,	,	PUNCT
ajbmeb-1250	346	8	a.a	a.a	PROPN
ajbmeb-1250	346	9	.	.	PROPN
ajbmeb-1250	346	10	(	(	PUNCT
ajbmeb-1250	346	11	2015	2015	NUM
ajbmeb-1250	346	12	)	)	PUNCT
ajbmeb-1250	346	13	.	.	PUNCT
ajbmeb-1250	347	1	asset	asset	NOUN
ajbmeb-1250	347	2	quality	quality	NOUN
ajbmeb-1250	347	3	and	and	CCONJ
ajbmeb-1250	347	4	profitability	profitability	NOUN
ajbmeb-1250	347	5	of	of	ADP
ajbmeb-1250	347	6	commercial	commercial	ADJ
ajbmeb-1250	347	7	banks	bank	NOUN
ajbmeb-1250	347	8	:	:	PUNCT
ajbmeb-1250	347	9	evidence	evidence	NOUN
ajbmeb-1250	347	10	from	from	ADP
ajbmeb-1250	347	11	nigeria	nigeria	PROPN
ajbmeb-1250	347	12	.	.	PUNCT
ajbmeb-1250	348	1	research	research	NOUN
ajbmeb-1250	348	2	journal	journal	PROPN
ajbmeb-1250	348	3	of	of	ADP
ajbmeb-1250	348	4	finance	finance	NOUN
ajbmeb-1250	348	5	and	and	CCONJ
ajbmeb-1250	348	6	accounting	accounting	NOUN
ajbmeb-1250	348	7	,	,	PUNCT
ajbmeb-1250	348	8	6(18	6(18	NUM
ajbmeb-1250	348	9	)	)	PUNCT
ajbmeb-1250	348	10	,	,	PUNCT
ajbmeb-1250	348	11	36	36	NUM
ajbmeb-1250	348	12	-	-	SYM
ajbmeb-1250	348	13	34	34	NUM
ajbmeb-1250	348	14	13	13	NUM
ajbmeb-1250	348	15	.	.	PUNCT
ajbmeb-1250	349	1	mohammed	mohammed	PROPN
ajbmeb-1250	349	2	,	,	PUNCT
ajbmeb-1250	349	3	a.k	a.k	PROPN
ajbmeb-1250	349	4	.	.	PROPN
ajbmeb-1250	349	5	,	,	PUNCT
ajbmeb-1250	349	6	wetere	wetere	PROPN
ajbmeb-1250	349	7	,	,	PUNCT
ajbmeb-1250	349	8	y.w	y.w	PROPN
ajbmeb-1250	349	9	.	.	PROPN
ajbmeb-1250	349	10	&	&	CCONJ
ajbmeb-1250	349	11	bekelecha	bekelecha	PROPN
ajbmeb-1250	349	12	,	,	PUNCT
ajbmeb-1250	349	13	m.s(2015	m.s(2015	PROPN
ajbmeb-1250	349	14	)	)	PUNCT
ajbmeb-1250	349	15	.	.	PUNCT
ajbmeb-1250	350	1	soundness	soundness	NOUN
ajbmeb-1250	350	2	of	of	ADP
ajbmeb-1250	350	3	ethiopian	ethiopian	ADJ
ajbmeb-1250	350	4	banks	bank	NOUN
ajbmeb-1250	350	5	.	.	PUNCT
ajbmeb-1250	351	1	international	international	ADJ
ajbmeb-1250	351	2	journal	journal	PROPN
ajbmeb-1250	351	3	of	of	ADP
ajbmeb-1250	351	4	finance	finance	PROPN
ajbmeb-1250	351	5	&	&	CCONJ
ajbmeb-1250	351	6	banking	banking	NOUN
ajbmeb-1250	351	7	studies	study	NOUN
ajbmeb-1250	351	8	,	,	PUNCT
ajbmeb-1250	351	9	4(7),29	4(7),29	NUM
ajbmeb-1250	351	10	-	-	SYM
ajbmeb-1250	351	11	32	32	NUM
ajbmeb-1250	351	12	14	14	NUM
ajbmeb-1250	351	13	.	.	PUNCT
ajbmeb-1250	352	1	musyoki	musyoki	PROPN
ajbmeb-1250	352	2	,	,	PUNCT
ajbmeb-1250	352	3	d.	d.	PROPN
ajbmeb-1250	352	4	&	&	CCONJ
ajbmeb-1250	352	5	kadubo	kadubo	PROPN
ajbmeb-1250	352	6	,	,	PUNCT
ajbmeb-1250	352	7	a.s	a.s	PROPN
ajbmeb-1250	352	8	.	.	PROPN
ajbmeb-1250	352	9	(	(	PUNCT
ajbmeb-1250	352	10	2021	2021	NUM
ajbmeb-1250	352	11	)	)	PUNCT
ajbmeb-1250	352	12	.	.	PUNCT
ajbmeb-1250	353	1	the	the	DET
ajbmeb-1250	353	2	impact	impact	NOUN
ajbmeb-1250	353	3	of	of	ADP
ajbmeb-1250	353	4	credit	credit	NOUN
ajbmeb-1250	353	5	risk	risk	NOUN
ajbmeb-1250	353	6	management	management	NOUN
ajbmeb-1250	353	7	on	on	ADP
ajbmeb-1250	353	8	the	the	DET
ajbmeb-1250	353	9	financial	financial	ADJ
ajbmeb-1250	353	10	performance	performance	NOUN
ajbmeb-1250	353	11	in	in	ADP
ajbmeb-1250	353	12	kenya	kenya	PROPN
ajbmeb-1250	353	13	.	.	PUNCT
ajbmeb-1250	354	1	international	international	ADJ
ajbmeb-1250	354	2	journal	journal	PROPN
ajbmeb-1250	354	3	of	of	ADP
ajbmeb-1250	354	4	business	business	NOUN
ajbmeb-1250	354	5	and	and	CCONJ
ajbmeb-1250	354	6	public	public	ADJ
ajbmeb-1250	354	7	management	management	NOUN
ajbmeb-1250	354	8	,	,	PUNCT
ajbmeb-1250	354	9	14(9	14(9	NUM
ajbmeb-1250	354	10	)	)	PUNCT
ajbmeb-1250	354	11	,	,	PUNCT
ajbmeb-1250	354	12	302	302	NUM
ajbmeb-1250	354	13	-	-	SYM
ajbmeb-1250	354	14	317	317	NUM
ajbmeb-1250	354	15	15	15	NUM
ajbmeb-1250	354	16	.	.	PUNCT
ajbmeb-1250	355	1	olagunju	olagunju	PROPN
ajbmeb-1250	355	2	,	,	PUNCT
ajbmeb-1250	355	3	a.	a.	PROPN
ajbmeb-1250	355	4	,	,	PUNCT
ajbmeb-1250	355	5	adeyanju	adeyanju	PROPN
ajbmeb-1250	355	6	,	,	PUNCT
ajbmeb-1250	355	7	o.a	o.a	PROPN
ajbmeb-1250	355	8	.	.	PROPN
ajbmeb-1250	355	9	&	&	CCONJ
ajbmeb-1250	355	10	olabode	olabode	PROPN
ajbmeb-1250	355	11	,	,	PUNCT
ajbmeb-1250	355	12	o.s	o.s	PROPN
ajbmeb-1250	355	13	.	.	PROPN
ajbmeb-1250	355	14	(	(	PUNCT
ajbmeb-1250	355	15	2016	2016	NUM
ajbmeb-1250	355	16	)	)	PUNCT
ajbmeb-1250	355	17	.	.	PUNCT
ajbmeb-1250	356	1	liquidity	liquidity	NOUN
ajbmeb-1250	356	2	management	management	NOUN
ajbmeb-1250	356	3	and	and	CCONJ
ajbmeb-1250	356	4	commercial	commercial	ADJ
ajbmeb-1250	356	5	banks	bank	NOUN
ajbmeb-1250	356	6	profitability	profitability	NOUN
ajbmeb-1250	356	7	in	in	ADP
ajbmeb-1250	356	8	nigeria	nigeria	PROPN
ajbmeb-1250	356	9	.	.	PUNCT
ajbmeb-1250	357	1	research	research	NOUN
ajbmeb-1250	357	2	journal	journal	PROPN
ajbmeb-1250	357	3	and	and	CCONJ
ajbmeb-1250	357	4	accounting	accounting	NOUN
ajbmeb-1250	357	5	,	,	PUNCT
ajbmeb-1250	357	6	2(7)(8	2(7)(8	NUM
ajbmeb-1250	357	7	)	)	PUNCT
ajbmeb-1250	357	8	,	,	PUNCT
ajbmeb-1250	357	9	24	24	NUM
ajbmeb-1250	357	10	-	-	SYM
ajbmeb-1250	357	11	38	38	NUM
ajbmeb-1250	357	12	16	16	NUM
ajbmeb-1250	357	13	.	.	PUNCT
ajbmeb-1250	358	1	paulimo	paulimo	PROPN
ajbmeb-1250	358	2	,	,	PUNCT
ajbmeb-1250	358	3	m.	m.	NOUN
ajbmeb-1250	358	4	&	&	CCONJ
ajbmeb-1250	358	5	mwanba	mwanba	PROPN
ajbmeb-1250	358	6	,	,	PUNCT
ajbmeb-1250	358	7	f.	f.	PROPN
ajbmeb-1250	358	8	(	(	PUNCT
ajbmeb-1250	358	9	2018	2018	NUM
ajbmeb-1250	358	10	)	)	PUNCT
ajbmeb-1250	358	11	.	.	PUNCT
ajbmeb-1250	359	1	effect	effect	NOUN
ajbmeb-1250	359	2	of	of	ADP
ajbmeb-1250	359	3	credit	credit	NOUN
ajbmeb-1250	359	4	risk	risk	NOUN
ajbmeb-1250	359	5	management	management	NOUN
ajbmeb-1250	359	6	on	on	ADP
ajbmeb-1250	359	7	the	the	DET
ajbmeb-1250	359	8	financial	financial	ADJ
ajbmeb-1250	359	9	performance	performance	NOUN
ajbmeb-1250	359	10	of	of	ADP
ajbmeb-1250	359	11	commercial	commercial	ADJ
ajbmeb-1250	359	12	bank	bank	NOUN
ajbmeb-1250	359	13	in	in	ADP
ajbmeb-1250	359	14	jaba	jaba	PROPN
ajbmeb-1250	359	15	city	city	PROPN
ajbmeb-1250	359	16	,	,	PUNCT
ajbmeb-1250	359	17	south	south	PROPN
ajbmeb-1250	359	18	sudan	sudan	PROPN
ajbmeb-1250	359	19	.	.	PUNCT
ajbmeb-1250	360	1	international	international	ADJ
ajbmeb-1250	360	2	academic	academic	ADJ
ajbmeb-1250	360	3	journal	journal	NOUN
ajbmeb-1250	360	4	of	of	ADP
ajbmeb-1250	360	5	economics	economic	NOUN
ajbmeb-1250	360	6	and	and	CCONJ
ajbmeb-1250	360	7	finance	finance	NOUN
ajbmeb-1250	360	8	,	,	PUNCT
ajbmeb-1250	360	9	3(2),93	3(2),93	NUM
ajbmeb-1250	360	10	-	-	SYM
ajbmeb-1250	360	11	116	116	NUM
ajbmeb-1250	360	12	17	17	NUM
ajbmeb-1250	360	13	.	.	PUNCT
ajbmeb-1250	361	1	poadel	poadel	NOUN
ajbmeb-1250	361	2	,	,	PUNCT
ajbmeb-1250	361	3	r.p.s	r.p.s	PROPN
ajbmeb-1250	361	4	.	.	PUNCT
ajbmeb-1250	361	5	(	(	PUNCT
ajbmeb-1250	361	6	2022	2022	NUM
ajbmeb-1250	361	7	)	)	PUNCT
ajbmeb-1250	361	8	.	.	PUNCT
ajbmeb-1250	362	1	the	the	DET
ajbmeb-1250	362	2	impact	impact	NOUN
ajbmeb-1250	362	3	of	of	ADP
ajbmeb-1250	362	4	credit	credit	NOUN
ajbmeb-1250	362	5	risk	risk	NOUN
ajbmeb-1250	362	6	management	management	NOUN
ajbmeb-1250	362	7	in	in	ADP
ajbmeb-1250	362	8	financial	financial	ADJ
ajbmeb-1250	362	9	performance	performance	NOUN
ajbmeb-1250	362	10	of	of	ADP
ajbmeb-1250	362	11	commercial	commercial	ADJ
ajbmeb-1250	362	12	banks	bank	NOUN
ajbmeb-1250	362	13	in	in	ADP
ajbmeb-1250	362	14	nepal	nepal	ADJ
ajbmeb-1250	362	15	.	.	PUNCT
ajbmeb-1250	363	1	international	international	ADJ
ajbmeb-1250	363	2	journal	journal	PROPN
ajbmeb-1250	363	3	of	of	ADP
ajbmeb-1250	363	4	arts	art	NOUN
ajbmeb-1250	363	5	and	and	CCONJ
ajbmeb-1250	363	6	commerce	commerce	PROPN
ajbmeb-1250	363	7	,	,	PUNCT
ajbmeb-1250	363	8	8(1),23	8(1),23	PROPN
ajbmeb-1250	363	9	-	-	SYM
ajbmeb-1250	363	10	41	41	NUM
ajbmeb-1250	363	11	18	18	NUM
ajbmeb-1250	363	12	.	.	PUNCT
ajbmeb-1250	364	1	uremadu	uremadu	ADJ
ajbmeb-1250	364	2	,	,	PUNCT
ajbmeb-1250	364	3	s.	s.	PROPN
ajbmeb-1250	364	4	(	(	PUNCT
ajbmeb-1250	364	5	2022	2022	NUM
ajbmeb-1250	364	6	)	)	PUNCT
ajbmeb-1250	364	7	.	.	PUNCT
ajbmeb-1250	365	1	bank	bank	NOUN
ajbmeb-1250	365	2	capital	capital	NOUN
ajbmeb-1250	365	3	structure	structure	NOUN
ajbmeb-1250	365	4	,	,	PUNCT
ajbmeb-1250	365	5	liquidity	liquidity	NOUN
ajbmeb-1250	365	6	and	and	CCONJ
ajbmeb-1250	365	7	profitability	profitability	NOUN
ajbmeb-1250	365	8	evidence	evidence	NOUN
ajbmeb-1250	365	9	from	from	ADP
ajbmeb-1250	365	10	the	the	DET
ajbmeb-1250	365	11	nigerian	nigerian	ADJ
ajbmeb-1250	365	12	banking	banking	NOUN
ajbmeb-1250	365	13	system	system	NOUN
ajbmeb-1250	365	14	.	.	PUNCT
ajbmeb-1250	366	1	international	international	ADJ
ajbmeb-1250	366	2	journal	journal	PROPN
ajbmeb-1250	366	3	of	of	ADP
ajbmeb-1250	366	4	academic	academic	ADJ
ajbmeb-1250	366	5	research	research	NOUN
ajbmeb-1250	366	6	in	in	ADP
ajbmeb-1250	366	7	accounting	accounting	NOUN
ajbmeb-1250	366	8	.	.	PUNCT
ajbmeb-1250	367	1	finance	finance	NOUN
ajbmeb-1250	367	2	and	and	CCONJ
ajbmeb-1250	367	3	management	management	NOUN
ajbmeb-1250	367	4	sciences	science	NOUN
ajbmeb-1250	367	5	,	,	PUNCT
ajbmeb-1250	367	6	1(20	1(20	NUM
ajbmeb-1250	367	7	)	)	PUNCT
ajbmeb-1250	367	8	,	,	PUNCT
ajbmeb-1250	367	9	1	1	NUM
ajbmeb-1250	367	10	-	-	SYM
ajbmeb-1250	367	11	13	13	NUM
ajbmeb-1250	367	12	19	19	NUM
ajbmeb-1250	367	13	.	.	PUNCT
ajbmeb-1250	367	14	wilner	wilner	PROPN
ajbmeb-1250	367	15	,	,	PUNCT
ajbmeb-1250	367	16	b.	b.	PROPN
ajbmeb-1250	367	17	(	(	PUNCT
ajbmeb-1250	367	18	2023	2023	NUM
ajbmeb-1250	367	19	)	)	PUNCT
ajbmeb-1250	367	20	.	.	PUNCT
ajbmeb-1250	368	1	the	the	DET
ajbmeb-1250	368	2	exploitation	exploitation	NOUN
ajbmeb-1250	368	3	of	of	ADP
ajbmeb-1250	368	4	relationship	relationship	NOUN
ajbmeb-1250	368	5	in	in	ADP
ajbmeb-1250	368	6	financial	financial	ADJ
ajbmeb-1250	368	7	distress	distress	NOUN
ajbmeb-1250	368	8	:	:	PUNCT
ajbmeb-1250	368	9	the	the	DET
ajbmeb-1250	368	10	case	case	NOUN
ajbmeb-1250	368	11	of	of	ADP
ajbmeb-1250	368	12	trade	trade	NOUN
ajbmeb-1250	368	13	credit	credit	NOUN
ajbmeb-1250	368	14	international	international	ADJ
ajbmeb-1250	368	15	journal	journal	NOUN
ajbmeb-1250	368	16	of	of	ADP
ajbmeb-1250	368	17	economics	economic	NOUN
ajbmeb-1250	368	18	,	,	PUNCT
ajbmeb-1250	368	19	finance	finance	NOUN
ajbmeb-1250	368	20	and	and	CCONJ
ajbmeb-1250	368	21	management	management	NOUN
ajbmeb-1250	368	22	sciences	science	NOUN
ajbmeb-1250	368	23	,	,	PUNCT
ajbmeb-1250	368	24	5(3),146	5(3),146	NUM
ajbmeb-1250	368	25	-	-	SYM
ajbmeb-1250	368	26	161	161	NUM
ajbmeb-1250	368	27	20	20	NUM
ajbmeb-1250	368	28	.	.	PUNCT
ajbmeb-1250	369	1	zhang	zhang	PROPN
ajbmeb-1250	369	2	,	,	PUNCT
ajbmeb-1250	369	3	y.	y.	PROPN
ajbmeb-1250	369	4	(	(	PUNCT
ajbmeb-1250	369	5	2012	2012	NUM
ajbmeb-1250	369	6	)	)	PUNCT
ajbmeb-1250	369	7	.	.	PUNCT
ajbmeb-1250	370	1	documentary	documentary	NOUN
ajbmeb-1250	370	2	letter	letter	NOUN
ajbmeb-1250	370	3	of	of	ADP
ajbmeb-1250	370	4	credit	credit	NOUN
ajbmeb-1250	370	5	fraud	fraud	NOUN
ajbmeb-1250	370	6	risk	risk	NOUN
ajbmeb-1250	370	7	management	management	NOUN
ajbmeb-1250	370	8	.	.	PUNCT