id	sid	tid	token	lemma	pos
ajbmeb-1466	1	1	american	american	PROPN
ajbmeb-1466	1	2	journal	journal	PROPN
ajbmeb-1466	1	3	of	of	ADP
ajbmeb-1466	1	4	business	business	NOUN
ajbmeb-1466	1	5	management	management	NOUN
ajbmeb-1466	1	6	,	,	PUNCT
ajbmeb-1466	1	7	economics	economic	NOUN
ajbmeb-1466	1	8	and	and	CCONJ
ajbmeb-1466	1	9	banking	banking	NOUN
ajbmeb-1466	1	10	issn	issn	PROPN
ajbmeb-1466	1	11	(	(	PUNCT
ajbmeb-1466	1	12	e	e	NOUN
ajbmeb-1466	1	13	):	):	PUNCT
ajbmeb-1466	1	14	2832	2832	NUM
ajbmeb-1466	1	15	-	-	SYM
ajbmeb-1466	1	16	8078	8078	NUM
ajbmeb-1466	1	17	volume	volume	NOUN
ajbmeb-1466	1	18	39	39	NUM
ajbmeb-1466	1	19	,	,	PUNCT
ajbmeb-1466	1	20	august	august	PROPN
ajbmeb-1466	1	21	2025	2025	NUM
ajbmeb-1466	1	22	p	p	NOUN
ajbmeb-1466	2	1	a	a	DET
ajbmeb-1466	2	2	g	g	NOUN
ajbmeb-1466	2	3	e	e	NOUN
ajbmeb-1466	2	4	|	|	ADV
ajbmeb-1466	2	5	9	9	NUM
ajbmeb-1466	2	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	2	7	econometric	econometric	VERB
ajbmeb-1466	2	8	analysis	analysis	NOUN
ajbmeb-1466	2	9	of	of	ADP
ajbmeb-1466	2	10	bank	bank	NOUN
ajbmeb-1466	2	11	asset	asset	NOUN
ajbmeb-1466	2	12	efficiency	efficiency	NOUN
ajbmeb-1466	2	13	bakriddinov	bakriddinov	NOUN
ajbmeb-1466	2	14	sharofiddin	sharofiddin	NOUN
ajbmeb-1466	2	15	associate	associate	NOUN
ajbmeb-1466	2	16	professor	professor	NOUN
ajbmeb-1466	2	17	,	,	PUNCT
ajbmeb-1466	2	18	tashkent	tashkent	PROPN
ajbmeb-1466	2	19	state	state	PROPN
ajbmeb-1466	2	20	university	university	PROPN
ajbmeb-1466	2	21	of	of	ADP
ajbmeb-1466	2	22	economics	economics	PROPN
ajbmeb-1466	2	23	e	e	NOUN
ajbmeb-1466	2	24	-	-	NOUN
ajbmeb-1466	2	25	mail	mail	NOUN
ajbmeb-1466	2	26	:	:	PUNCT
ajbmeb-1466	2	27	bakhriddinov5599@gmail.com	bakhriddinov5599@gmail.com	X
ajbmeb-1466	3	1	orcid	orcid	NOUN
ajbmeb-1466	3	2	:	:	PUNCT
ajbmeb-1466	3	3	0000	0000	NUM
ajbmeb-1466	3	4	-	-	PUNCT
ajbmeb-1466	3	5	0001	0001	NUM
ajbmeb-1466	3	6	-	-	PUNCT
ajbmeb-1466	3	7	7899	7899	NUM
ajbmeb-1466	3	8	-	-	PUNCT
ajbmeb-1466	3	9	0217	0217	NUM
ajbmeb-1466	3	10	a	a	DET
ajbmeb-1466	3	11	b	b	PROPN
ajbmeb-1466	3	12	s	s	ADP
ajbmeb-1466	3	13	t	t	PROPN
ajbmeb-1466	3	14	r	r	NOUN
ajbmeb-1466	3	15	a	a	DET
ajbmeb-1466	3	16	c	c	NOUN
ajbmeb-1466	3	17	t	t	NOUN
ajbmeb-1466	3	18	k	k	X
ajbmeb-1466	3	19	e	e	PROPN
ajbmeb-1466	3	20	y	y	PROPN
ajbmeb-1466	3	21	w	w	NOUN
ajbmeb-1466	3	22	o	o	NOUN
ajbmeb-1466	3	23	r	r	NOUN
ajbmeb-1466	3	24	d	d	PROPN
ajbmeb-1466	3	25	s	s	VERB
ajbmeb-1466	3	26	this	this	DET
ajbmeb-1466	3	27	article	article	NOUN
ajbmeb-1466	3	28	examines	examine	VERB
ajbmeb-1466	3	29	the	the	DET
ajbmeb-1466	3	30	content	content	NOUN
ajbmeb-1466	3	31	and	and	CCONJ
ajbmeb-1466	3	32	essence	essence	NOUN
ajbmeb-1466	3	33	of	of	ADP
ajbmeb-1466	3	34	bank	bank	NOUN
ajbmeb-1466	3	35	assets	asset	NOUN
ajbmeb-1466	3	36	,	,	PUNCT
ajbmeb-1466	3	37	the	the	DET
ajbmeb-1466	3	38	opinions	opinion	NOUN
ajbmeb-1466	3	39	of	of	ADP
ajbmeb-1466	3	40	foreign	foreign	ADJ
ajbmeb-1466	3	41	economists	economist	NOUN
ajbmeb-1466	3	42	on	on	ADP
ajbmeb-1466	3	43	this	this	DET
ajbmeb-1466	3	44	issue	issue	NOUN
ajbmeb-1466	3	45	.	.	PUNCT
ajbmeb-1466	4	1	an	an	DET
ajbmeb-1466	4	2	econometric	econometric	ADJ
ajbmeb-1466	4	3	analysis	analysis	NOUN
ajbmeb-1466	4	4	of	of	ADP
ajbmeb-1466	4	5	commercial	commercial	ADJ
ajbmeb-1466	4	6	bank	bank	NOUN
ajbmeb-1466	4	7	assets	asset	NOUN
ajbmeb-1466	4	8	based	base	VERB
ajbmeb-1466	4	9	on	on	ADP
ajbmeb-1466	4	10	various	various	ADJ
ajbmeb-1466	4	11	models	model	NOUN
ajbmeb-1466	4	12	is	be	AUX
ajbmeb-1466	4	13	also	also	ADV
ajbmeb-1466	4	14	carried	carry	VERB
ajbmeb-1466	4	15	out	out	ADP
ajbmeb-1466	4	16	,	,	PUNCT
ajbmeb-1466	4	17	and	and	CCONJ
ajbmeb-1466	4	18	a	a	DET
ajbmeb-1466	4	19	general	general	ADJ
ajbmeb-1466	4	20	conclusion	conclusion	NOUN
ajbmeb-1466	4	21	is	be	AUX
ajbmeb-1466	4	22	given	give	VERB
ajbmeb-1466	4	23	.	.	PUNCT
ajbmeb-1466	5	1	commercial	commercial	ADJ
ajbmeb-1466	5	2	banks	bank	NOUN
ajbmeb-1466	5	3	,	,	PUNCT
ajbmeb-1466	5	4	assets	asset	NOUN
ajbmeb-1466	5	5	,	,	PUNCT
ajbmeb-1466	5	6	hausman	hausman	ADJ
ajbmeb-1466	5	7	test	test	NOUN
ajbmeb-1466	5	8	,	,	PUNCT
ajbmeb-1466	5	9	the	the	DET
ajbmeb-1466	5	10	fixed	fix	VERB
ajbmeb-1466	5	11	effects	effect	NOUN
ajbmeb-1466	5	12	,	,	PUNCT
ajbmeb-1466	5	13	return	return	VERB
ajbmeb-1466	5	14	on	on	ADP
ajbmeb-1466	5	15	assets	asset	NOUN
ajbmeb-1466	5	16	,	,	PUNCT
ajbmeb-1466	5	17	cash	cash	NOUN
ajbmeb-1466	5	18	assets	asset	NOUN
ajbmeb-1466	5	19	,	,	PUNCT
ajbmeb-1466	5	20	central	central	ADJ
ajbmeb-1466	5	21	bank	bank	NOUN
ajbmeb-1466	5	22	funds	fund	NOUN
ajbmeb-1466	5	23	,	,	PUNCT
ajbmeb-1466	5	24	stocks	stock	NOUN
ajbmeb-1466	5	25	,	,	PUNCT
ajbmeb-1466	5	26	total	total	ADJ
ajbmeb-1466	5	27	investments	investment	NOUN
ajbmeb-1466	5	28	,	,	PUNCT
ajbmeb-1466	5	29	total	total	ADJ
ajbmeb-1466	5	30	assets	asset	NOUN
ajbmeb-1466	5	31	with	with	ADP
ajbmeb-1466	5	32	other	other	ADJ
ajbmeb-1466	5	33	banks	bank	NOUN
ajbmeb-1466	5	34	,	,	PUNCT
ajbmeb-1466	5	35	loans	loan	NOUN
ajbmeb-1466	5	36	and	and	CCONJ
ajbmeb-1466	5	37	leasing	leasing	NOUN
ajbmeb-1466	5	38	,	,	PUNCT
ajbmeb-1466	5	39	liabilities	liability	NOUN
ajbmeb-1466	5	40	ratio	ratio	NOUN
ajbmeb-1466	5	41	,	,	PUNCT
ajbmeb-1466	5	42	net	net	ADJ
ajbmeb-1466	5	43	interest	interest	NOUN
ajbmeb-1466	5	44	margin	margin	NOUN
ajbmeb-1466	5	45	,	,	PUNCT
ajbmeb-1466	5	46	securities	security	NOUN
ajbmeb-1466	5	47	.	.	PUNCT
ajbmeb-1466	6	1	introduction	introduction	NOUN
ajbmeb-1466	6	2	in	in	ADP
ajbmeb-1466	6	3	the	the	DET
ajbmeb-1466	6	4	context	context	NOUN
ajbmeb-1466	6	5	of	of	ADP
ajbmeb-1466	6	6	the	the	DET
ajbmeb-1466	6	7	reform	reform	NOUN
ajbmeb-1466	6	8	and	and	CCONJ
ajbmeb-1466	6	9	transformation	transformation	NOUN
ajbmeb-1466	6	10	of	of	ADP
ajbmeb-1466	6	11	the	the	DET
ajbmeb-1466	6	12	banking	banking	NOUN
ajbmeb-1466	6	13	system	system	NOUN
ajbmeb-1466	6	14	of	of	ADP
ajbmeb-1466	6	15	the	the	DET
ajbmeb-1466	6	16	republic	republic	NOUN
ajbmeb-1466	6	17	of	of	ADP
ajbmeb-1466	6	18	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	6	19	,	,	PUNCT
ajbmeb-1466	6	20	priority	priority	NOUN
ajbmeb-1466	6	21	tasks	task	NOUN
ajbmeb-1466	6	22	have	have	AUX
ajbmeb-1466	6	23	been	be	AUX
ajbmeb-1466	6	24	set	set	VERB
ajbmeb-1466	6	25	for	for	ADP
ajbmeb-1466	6	26	the	the	DET
ajbmeb-1466	6	27	privatization	privatization	NOUN
ajbmeb-1466	6	28	of	of	ADP
ajbmeb-1466	6	29	banks	bank	NOUN
ajbmeb-1466	6	30	,	,	PUNCT
ajbmeb-1466	6	31	the	the	DET
ajbmeb-1466	6	32	sale	sale	NOUN
ajbmeb-1466	6	33	of	of	ADP
ajbmeb-1466	6	34	existing	exist	VERB
ajbmeb-1466	6	35	state	state	NOUN
ajbmeb-1466	6	36	shares	share	NOUN
ajbmeb-1466	6	37	in	in	ADP
ajbmeb-1466	6	38	commercial	commercial	ADJ
ajbmeb-1466	6	39	banks	bank	NOUN
ajbmeb-1466	6	40	to	to	ADP
ajbmeb-1466	6	41	foreign	foreign	ADJ
ajbmeb-1466	6	42	investors	investor	NOUN
ajbmeb-1466	6	43	,	,	PUNCT
ajbmeb-1466	6	44	and	and	CCONJ
ajbmeb-1466	6	45	the	the	DET
ajbmeb-1466	6	46	introduction	introduction	NOUN
ajbmeb-1466	6	47	of	of	ADP
ajbmeb-1466	6	48	modern	modern	ADJ
ajbmeb-1466	6	49	service	service	NOUN
ajbmeb-1466	6	50	practices	practice	NOUN
ajbmeb-1466	6	51	in	in	ADP
ajbmeb-1466	6	52	banks	bank	NOUN
ajbmeb-1466	6	53	.	.	PUNCT
ajbmeb-1466	7	1	according	accord	VERB
ajbmeb-1466	7	2	to	to	ADP
ajbmeb-1466	7	3	the	the	DET
ajbmeb-1466	7	4	decree	decree	NOUN
ajbmeb-1466	7	5	of	of	ADP
ajbmeb-1466	7	6	the	the	DET
ajbmeb-1466	7	7	president	president	NOUN
ajbmeb-1466	7	8	of	of	ADP
ajbmeb-1466	7	9	the	the	DET
ajbmeb-1466	7	10	republic	republic	NOUN
ajbmeb-1466	7	11	of	of	ADP
ajbmeb-1466	7	12	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	7	13	no	no	PROPN
ajbmeb-1466	7	14	.	.	PUNCT
ajbmeb-1466	7	15	pf-5992	pf-5992	PROPN
ajbmeb-1466	7	16	dated	date	VERB
ajbmeb-1466	7	17	may	may	PROPN
ajbmeb-1466	7	18	12	12	NUM
ajbmeb-1466	7	19	,	,	PUNCT
ajbmeb-1466	7	20	2020	2020	NUM
ajbmeb-1466	7	21	“	"	PUNCT
ajbmeb-1466	7	22	on	on	ADP
ajbmeb-1466	7	23	the	the	DET
ajbmeb-1466	7	24	strategy	strategy	NOUN
ajbmeb-1466	7	25	for	for	ADP
ajbmeb-1466	7	26	reforming	reform	VERB
ajbmeb-1466	7	27	the	the	DET
ajbmeb-1466	7	28	banking	banking	NOUN
ajbmeb-1466	7	29	system	system	NOUN
ajbmeb-1466	7	30	of	of	ADP
ajbmeb-1466	7	31	the	the	DET
ajbmeb-1466	7	32	republic	republic	NOUN
ajbmeb-1466	7	33	of	of	ADP
ajbmeb-1466	7	34	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	7	35	for	for	ADP
ajbmeb-1466	7	36	2020	2020	NUM
ajbmeb-1466	7	37	-	-	SYM
ajbmeb-1466	7	38	2025	2025	NUM
ajbmeb-1466	7	39	”	"	PUNCT
ajbmeb-1466	7	40	,	,	PUNCT
ajbmeb-1466	7	41	“	"	PUNCT
ajbmeb-1466	7	42	the	the	DET
ajbmeb-1466	7	43	lagging	lagging	NOUN
ajbmeb-1466	7	44	behind	behind	ADP
ajbmeb-1466	7	45	of	of	ADP
ajbmeb-1466	7	46	large	large	ADJ
ajbmeb-1466	7	47	commercial	commercial	ADJ
ajbmeb-1466	7	48	banks	bank	NOUN
ajbmeb-1466	7	49	in	in	ADP
ajbmeb-1466	7	50	the	the	DET
ajbmeb-1466	7	51	transformation	transformation	NOUN
ajbmeb-1466	7	52	processes	process	NOUN
ajbmeb-1466	7	53	in	in	ADP
ajbmeb-1466	7	54	accordance	accordance	NOUN
ajbmeb-1466	7	55	with	with	ADP
ajbmeb-1466	7	56	modern	modern	ADJ
ajbmeb-1466	7	57	requirements	requirement	NOUN
ajbmeb-1466	7	58	in	in	ADP
ajbmeb-1466	7	59	the	the	DET
ajbmeb-1466	7	60	sector	sector	NOUN
ajbmeb-1466	7	61	,	,	PUNCT
ajbmeb-1466	7	62	the	the	DET
ajbmeb-1466	7	63	delay	delay	NOUN
ajbmeb-1466	7	64	in	in	ADP
ajbmeb-1466	7	65	implementing	implement	VERB
ajbmeb-1466	7	66	corporate	corporate	ADJ
ajbmeb-1466	7	67	governance	governance	NOUN
ajbmeb-1466	7	68	standards	standard	NOUN
ajbmeb-1466	7	69	,	,	PUNCT
ajbmeb-1466	7	70	information	information	NOUN
ajbmeb-1466	7	71	technology	technology	NOUN
ajbmeb-1466	7	72	products	product	NOUN
ajbmeb-1466	7	73	,	,	PUNCT
ajbmeb-1466	7	74	asset	asset	NOUN
ajbmeb-1466	7	75	and	and	CCONJ
ajbmeb-1466	7	76	liability	liability	NOUN
ajbmeb-1466	7	77	management	management	NOUN
ajbmeb-1466	7	78	,	,	PUNCT
ajbmeb-1466	7	79	and	and	CCONJ
ajbmeb-1466	7	80	modern	modern	ADJ
ajbmeb-1466	7	81	methods	method	NOUN
ajbmeb-1466	7	82	of	of	ADP
ajbmeb-1466	7	83	communicating	communicate	VERB
ajbmeb-1466	7	84	with	with	ADP
ajbmeb-1466	7	85	customers	customer	NOUN
ajbmeb-1466	7	86	”	"	PUNCT
ajbmeb-1466	7	87	indicates	indicate	VERB
ajbmeb-1466	7	88	the	the	DET
ajbmeb-1466	7	89	existence	existence	NOUN
ajbmeb-1466	7	90	of	of	ADP
ajbmeb-1466	7	91	significant	significant	ADJ
ajbmeb-1466	7	92	problems	problem	NOUN
ajbmeb-1466	7	93	facing	face	VERB
ajbmeb-1466	7	94	banks.[1	banks.[1	NOUN
ajbmeb-1466	7	95	]	]	PUNCT
ajbmeb-1466	7	96	also	also	ADV
ajbmeb-1466	7	97	,	,	PUNCT
ajbmeb-1466	7	98	expanding	expand	VERB
ajbmeb-1466	7	99	the	the	DET
ajbmeb-1466	7	100	number	number	NOUN
ajbmeb-1466	7	101	and	and	CCONJ
ajbmeb-1466	7	102	scope	scope	NOUN
ajbmeb-1466	7	103	of	of	ADP
ajbmeb-1466	7	104	remote	remote	ADJ
ajbmeb-1466	7	105	banking	banking	NOUN
ajbmeb-1466	7	106	services	service	NOUN
ajbmeb-1466	7	107	,	,	PUNCT
ajbmeb-1466	7	108	including	include	VERB
ajbmeb-1466	7	109	contactless	contactless	NOUN
ajbmeb-1466	7	110	payments	payment	NOUN
ajbmeb-1466	7	111	,	,	PUNCT
ajbmeb-1466	7	112	through	through	ADP
ajbmeb-1466	7	113	the	the	DET
ajbmeb-1466	7	114	introduction	introduction	NOUN
ajbmeb-1466	7	115	of	of	ADP
ajbmeb-1466	7	116	modern	modern	ADJ
ajbmeb-1466	7	117	information	information	NOUN
ajbmeb-1466	7	118	technologies	technology	NOUN
ajbmeb-1466	7	119	in	in	ADP
ajbmeb-1466	7	120	the	the	DET
ajbmeb-1466	7	121	activities	activity	NOUN
ajbmeb-1466	7	122	of	of	ADP
ajbmeb-1466	7	123	banks	bank	NOUN
ajbmeb-1466	7	124	will	will	AUX
ajbmeb-1466	7	125	serve	serve	VERB
ajbmeb-1466	7	126	to	to	PART
ajbmeb-1466	7	127	develop	develop	VERB
ajbmeb-1466	7	128	digital	digital	ADJ
ajbmeb-1466	7	129	banking	banking	NOUN
ajbmeb-1466	7	130	services	service	NOUN
ajbmeb-1466	7	131	of	of	ADP
ajbmeb-1466	7	132	banks	bank	NOUN
ajbmeb-1466	7	133	.	.	PUNCT
ajbmeb-1466	8	1	also	also	ADV
ajbmeb-1466	8	2	,	,	PUNCT
ajbmeb-1466	8	3	according	accord	VERB
ajbmeb-1466	8	4	to	to	ADP
ajbmeb-1466	8	5	this	this	DET
ajbmeb-1466	8	6	decree	decree	NOUN
ajbmeb-1466	8	7	,	,	PUNCT
ajbmeb-1466	8	8	the	the	DET
ajbmeb-1466	8	9	state	state	NOUN
ajbmeb-1466	8	10	is	be	AUX
ajbmeb-1466	8	11	tasked	task	VERB
ajbmeb-1466	8	12	with	with	ADP
ajbmeb-1466	8	13	conducting	conduct	VERB
ajbmeb-1466	8	14	an	an	DET
ajbmeb-1466	8	15	inventory	inventory	NOUN
ajbmeb-1466	8	16	of	of	ADP
ajbmeb-1466	8	17	banks	bank	NOUN
ajbmeb-1466	8	18	'	'	PART
ajbmeb-1466	8	19	assets	asset	NOUN
ajbmeb-1466	8	20	,	,	PUNCT
ajbmeb-1466	8	21	identifying	identify	VERB
ajbmeb-1466	8	22	assets	asset	NOUN
ajbmeb-1466	8	23	that	that	PRON
ajbmeb-1466	8	24	are	be	AUX
ajbmeb-1466	8	25	not	not	PART
ajbmeb-1466	8	26	specific	specific	ADJ
ajbmeb-1466	8	27	to	to	ADP
ajbmeb-1466	8	28	their	their	PRON
ajbmeb-1466	8	29	activities	activity	NOUN
ajbmeb-1466	8	30	,	,	PUNCT
ajbmeb-1466	8	31	and	and	CCONJ
ajbmeb-1466	8	32	taking	take	VERB
ajbmeb-1466	8	33	measures	measure	NOUN
ajbmeb-1466	8	34	to	to	PART
ajbmeb-1466	8	35	sell	sell	VERB
ajbmeb-1466	8	36	them	they	PRON
ajbmeb-1466	8	37	,	,	PUNCT
ajbmeb-1466	8	38	which	which	PRON
ajbmeb-1466	8	39	requires	require	VERB
ajbmeb-1466	8	40	the	the	DET
ajbmeb-1466	8	41	introduction	introduction	NOUN
ajbmeb-1466	8	42	of	of	ADP
ajbmeb-1466	8	43	mechanisms	mechanism	NOUN
ajbmeb-1466	8	44	for	for	ADP
ajbmeb-1466	8	45	effective	effective	ADJ
ajbmeb-1466	8	46	management	management	NOUN
ajbmeb-1466	8	47	of	of	ADP
ajbmeb-1466	8	48	banks	bank	NOUN
ajbmeb-1466	8	49	'	'	PART
ajbmeb-1466	8	50	assets	asset	NOUN
ajbmeb-1466	8	51	.	.	PUNCT
ajbmeb-1466	9	1	literature	literature	NOUN
ajbmeb-1466	9	2	review	review	VERB
ajbmeb-1466	9	3	it	it	PRON
ajbmeb-1466	9	4	is	be	AUX
ajbmeb-1466	9	5	advisable	advisable	ADJ
ajbmeb-1466	9	6	to	to	PART
ajbmeb-1466	9	7	review	review	VERB
ajbmeb-1466	9	8	the	the	DET
ajbmeb-1466	9	9	research	research	NOUN
ajbmeb-1466	9	10	conducted	conduct	VERB
ajbmeb-1466	9	11	by	by	ADP
ajbmeb-1466	9	12	domestic	domestic	ADJ
ajbmeb-1466	9	13	and	and	CCONJ
ajbmeb-1466	9	14	foreign	foreign	ADJ
ajbmeb-1466	9	15	economists	economist	NOUN
ajbmeb-1466	9	16	on	on	ADP
ajbmeb-1466	9	17	the	the	DET
ajbmeb-1466	9	18	management	management	NOUN
ajbmeb-1466	9	19	of	of	ADP
ajbmeb-1466	9	20	bank	bank	NOUN
ajbmeb-1466	9	21	assets	asset	NOUN
ajbmeb-1466	9	22	in	in	ADP
ajbmeb-1466	9	23	order	order	NOUN
ajbmeb-1466	9	24	to	to	PART
ajbmeb-1466	9	25	reveal	reveal	VERB
ajbmeb-1466	9	26	the	the	DET
ajbmeb-1466	9	27	content	content	NOUN
ajbmeb-1466	9	28	of	of	ADP
ajbmeb-1466	9	29	bank	bank	NOUN
ajbmeb-1466	9	30	assets	asset	NOUN
ajbmeb-1466	9	31	and	and	CCONJ
ajbmeb-1466	9	32	optimize	optimize	VERB
ajbmeb-1466	9	33	their	their	PRON
ajbmeb-1466	9	34	composition	composition	NOUN
ajbmeb-1466	9	35	,	,	PUNCT
ajbmeb-1466	9	36	and	and	CCONJ
ajbmeb-1466	9	37	increase	increase	VERB
ajbmeb-1466	9	38	the	the	DET
ajbmeb-1466	9	39	efficiency	efficiency	NOUN
ajbmeb-1466	9	40	of	of	ADP
ajbmeb-1466	9	41	bank	bank	NOUN
ajbmeb-1466	9	42	operations	operation	NOUN
ajbmeb-1466	9	43	.	.	PUNCT
ajbmeb-1466	10	1	american	american	ADJ
ajbmeb-1466	10	2	journal	journal	PROPN
ajbmeb-1466	10	3	of	of	ADP
ajbmeb-1466	10	4	business	business	NOUN
ajbmeb-1466	10	5	management	management	NOUN
ajbmeb-1466	10	6	,	,	PUNCT
ajbmeb-1466	10	7	economics	economic	NOUN
ajbmeb-1466	10	8	and	and	CCONJ
ajbmeb-1466	10	9	banking	banking	NOUN
ajbmeb-1466	10	10	volume	volume	NOUN
ajbmeb-1466	10	11	39	39	NUM
ajbmeb-1466	10	12	august2025	august2025	PROPN
ajbmeb-1466	10	13	p	p	NOUN
ajbmeb-1466	10	14	a	a	DET
ajbmeb-1466	10	15	g	g	NOUN
ajbmeb-1466	10	16	e	e	NOUN
ajbmeb-1466	10	17	|	|	ADV
ajbmeb-1466	10	18	10	10	NUM
ajbmeb-1466	10	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	10	20	research	research	NOUN
ajbmeb-1466	10	21	on	on	ADP
ajbmeb-1466	10	22	the	the	DET
ajbmeb-1466	10	23	management	management	NOUN
ajbmeb-1466	10	24	of	of	ADP
ajbmeb-1466	10	25	assets	asset	NOUN
ajbmeb-1466	10	26	and	and	CCONJ
ajbmeb-1466	10	27	asset	asset	NOUN
ajbmeb-1466	10	28	portfolios	portfolio	NOUN
ajbmeb-1466	10	29	of	of	ADP
ajbmeb-1466	10	30	commercial	commercial	ADJ
ajbmeb-1466	10	31	banks	bank	NOUN
ajbmeb-1466	10	32	has	have	AUX
ajbmeb-1466	10	33	been	be	AUX
ajbmeb-1466	10	34	widely	widely	ADV
ajbmeb-1466	10	35	studied	study	VERB
ajbmeb-1466	10	36	by	by	ADP
ajbmeb-1466	10	37	foreign	foreign	ADJ
ajbmeb-1466	10	38	economists	economist	NOUN
ajbmeb-1466	10	39	and	and	CCONJ
ajbmeb-1466	10	40	is	be	AUX
ajbmeb-1466	10	41	still	still	ADV
ajbmeb-1466	10	42	being	be	AUX
ajbmeb-1466	10	43	conducted	conduct	VERB
ajbmeb-1466	10	44	today	today	NOUN
ajbmeb-1466	10	45	.	.	PUNCT
ajbmeb-1466	11	1	the	the	DET
ajbmeb-1466	11	2	famous	famous	ADJ
ajbmeb-1466	11	3	american	american	PROPN
ajbmeb-1466	11	4	economist	economist	PROPN
ajbmeb-1466	11	5	d.	d.	PROPN
ajbmeb-1466	11	6	sinki	sinki	PROPN
ajbmeb-1466	11	7	,	,	PUNCT
ajbmeb-1466	11	8	in	in	ADP
ajbmeb-1466	11	9	his	his	PRON
ajbmeb-1466	11	10	work	work	NOUN
ajbmeb-1466	11	11	“	"	PUNCT
ajbmeb-1466	11	12	financial	financial	ADJ
ajbmeb-1466	11	13	management	management	NOUN
ajbmeb-1466	11	14	in	in	ADP
ajbmeb-1466	11	15	commercial	commercial	ADJ
ajbmeb-1466	11	16	banking	banking	NOUN
ajbmeb-1466	11	17	and	and	CCONJ
ajbmeb-1466	11	18	in	in	ADP
ajbmeb-1466	11	19	the	the	DET
ajbmeb-1466	11	20	financial	financial	ADJ
ajbmeb-1466	11	21	services	service	NOUN
ajbmeb-1466	11	22	industry	industry	NOUN
ajbmeb-1466	11	23	,	,	PUNCT
ajbmeb-1466	11	24	”	"	PUNCT
ajbmeb-1466	11	25	discussed	discuss	VERB
ajbmeb-1466	11	26	the	the	DET
ajbmeb-1466	11	27	three	three	NUM
ajbmeb-1466	11	28	stages	stage	NOUN
ajbmeb-1466	11	29	of	of	ADP
ajbmeb-1466	11	30	managing	manage	VERB
ajbmeb-1466	11	31	the	the	DET
ajbmeb-1466	11	32	assets	asset	NOUN
ajbmeb-1466	11	33	and	and	CCONJ
ajbmeb-1466	11	34	liabilities	liability	NOUN
ajbmeb-1466	11	35	of	of	ADP
ajbmeb-1466	11	36	banks	bank	NOUN
ajbmeb-1466	11	37	.	.	PUNCT
ajbmeb-1466	12	1	in	in	ADP
ajbmeb-1466	12	2	particular	particular	ADJ
ajbmeb-1466	12	3	:	:	PUNCT
ajbmeb-1466	12	4	stage	stage	NOUN
ajbmeb-1466	12	5	1	1	NUM
ajbmeb-1466	12	6	,	,	PUNCT
ajbmeb-1466	12	7	general	general	ADJ
ajbmeb-1466	12	8	bank	bank	PROPN
ajbmeb-1466	12	9	asset	asset	NOUN
ajbmeb-1466	12	10	management	management	NOUN
ajbmeb-1466	12	11	;	;	PUNCT
ajbmeb-1466	12	12	stage	stage	NOUN
ajbmeb-1466	12	13	2	2	NUM
ajbmeb-1466	12	14	,	,	PUNCT
ajbmeb-1466	12	15	refinement	refinement	NOUN
ajbmeb-1466	12	16	,	,	PUNCT
ajbmeb-1466	12	17	i.e.	i.e.	X
ajbmeb-1466	12	18	bank	bank	NOUN
ajbmeb-1466	12	19	liquidity	liquidity	NOUN
ajbmeb-1466	12	20	management	management	NOUN
ajbmeb-1466	12	21	,	,	PUNCT
ajbmeb-1466	12	22	loan	loan	NOUN
ajbmeb-1466	12	23	management	management	NOUN
ajbmeb-1466	12	24	and	and	CCONJ
ajbmeb-1466	12	25	other	other	ADJ
ajbmeb-1466	12	26	asset	asset	NOUN
ajbmeb-1466	12	27	portfolio	portfolio	NOUN
ajbmeb-1466	12	28	management	management	NOUN
ajbmeb-1466	12	29	;	;	PUNCT
ajbmeb-1466	12	30	stage	stage	NOUN
ajbmeb-1466	12	31	3	3	NUM
ajbmeb-1466	12	32	,	,	PUNCT
ajbmeb-1466	12	33	bank	bank	NOUN
ajbmeb-1466	12	34	performance	performance	NOUN
ajbmeb-1466	12	35	management	management	NOUN
ajbmeb-1466	12	36	based	base	VERB
ajbmeb-1466	12	37	on	on	ADP
ajbmeb-1466	12	38	achieved	achieve	VERB
ajbmeb-1466	12	39	financial	financial	ADJ
ajbmeb-1466	12	40	results.[3	results.[3	NOUN
ajbmeb-1466	12	41	]	]	PUNCT
ajbmeb-1466	12	42	according	accord	VERB
ajbmeb-1466	12	43	to	to	ADP
ajbmeb-1466	12	44	the	the	DET
ajbmeb-1466	12	45	scientist	scientist	NOUN
ajbmeb-1466	12	46	,	,	PUNCT
ajbmeb-1466	12	47	the	the	DET
ajbmeb-1466	12	48	income	income	NOUN
ajbmeb-1466	12	49	-	-	PUNCT
ajbmeb-1466	12	50	generating	generate	VERB
ajbmeb-1466	12	51	assets	asset	NOUN
ajbmeb-1466	12	52	of	of	ADP
ajbmeb-1466	12	53	banks	bank	NOUN
ajbmeb-1466	12	54	,	,	PUNCT
ajbmeb-1466	12	55	excluding	exclude	VERB
ajbmeb-1466	12	56	the	the	DET
ajbmeb-1466	12	57	"	"	PUNCT
ajbmeb-1466	12	58	concrete	concrete	ADJ
ajbmeb-1466	12	59	and	and	CCONJ
ajbmeb-1466	12	60	glass	glass	NOUN
ajbmeb-1466	12	61	"	"	PUNCT
ajbmeb-1466	12	62	(	(	PUNCT
ajbmeb-1466	12	63	i.e.	i.e.	X
ajbmeb-1466	12	64	,	,	PUNCT
ajbmeb-1466	12	65	fixed	fix	VERB
ajbmeb-1466	12	66	assets	asset	NOUN
ajbmeb-1466	12	67	such	such	ADJ
ajbmeb-1466	12	68	as	as	ADP
ajbmeb-1466	12	69	bank	bank	NOUN
ajbmeb-1466	12	70	buildings	building	NOUN
ajbmeb-1466	12	71	)	)	PUNCT
ajbmeb-1466	12	72	,	,	PUNCT
ajbmeb-1466	12	73	play	play	VERB
ajbmeb-1466	12	74	an	an	DET
ajbmeb-1466	12	75	important	important	ADJ
ajbmeb-1466	12	76	role	role	NOUN
ajbmeb-1466	12	77	in	in	ADP
ajbmeb-1466	12	78	alm	alm	NOUN
ajbmeb-1466	12	79	(	(	PUNCT
ajbmeb-1466	12	80	asset	asset	NOUN
ajbmeb-1466	12	81	and	and	CCONJ
ajbmeb-1466	12	82	liability	liability	NOUN
ajbmeb-1466	12	83	management	management	NOUN
ajbmeb-1466	12	84	)	)	PUNCT
ajbmeb-1466	12	85	.	.	PUNCT
ajbmeb-1466	13	1	as	as	SCONJ
ajbmeb-1466	13	2	the	the	DET
ajbmeb-1466	13	3	basis	basis	NOUN
ajbmeb-1466	13	4	for	for	ADP
ajbmeb-1466	13	5	asset	asset	NOUN
ajbmeb-1466	13	6	and	and	CCONJ
ajbmeb-1466	13	7	liability	liability	NOUN
ajbmeb-1466	13	8	management	management	NOUN
ajbmeb-1466	13	9	in	in	ADP
ajbmeb-1466	13	10	banks	bank	NOUN
ajbmeb-1466	13	11	,	,	PUNCT
ajbmeb-1466	13	12	asset	asset	NOUN
ajbmeb-1466	13	13	categories	category	NOUN
ajbmeb-1466	13	14	,	,	PUNCT
ajbmeb-1466	13	15	quantity	quantity	NOUN
ajbmeb-1466	13	16	,	,	PUNCT
ajbmeb-1466	13	17	and	and	CCONJ
ajbmeb-1466	13	18	interest	interest	NOUN
ajbmeb-1466	13	19	rates	rate	NOUN
ajbmeb-1466	13	20	are	be	AUX
ajbmeb-1466	13	21	important	important	ADJ
ajbmeb-1466	13	22	in	in	ADP
ajbmeb-1466	13	23	asset	asset	NOUN
ajbmeb-1466	13	24	management	management	NOUN
ajbmeb-1466	13	25	.	.	PUNCT
ajbmeb-1466	14	1	[	[	X
ajbmeb-1466	14	2	3	3	X
ajbmeb-1466	14	3	]	]	PUNCT
ajbmeb-1466	14	4	in	in	ADP
ajbmeb-1466	14	5	bank	bank	NOUN
ajbmeb-1466	14	6	asset	asset	NOUN
ajbmeb-1466	14	7	management	management	NOUN
ajbmeb-1466	14	8	,	,	PUNCT
ajbmeb-1466	14	9	various	various	ADJ
ajbmeb-1466	14	10	measures	measure	NOUN
ajbmeb-1466	14	11	and	and	CCONJ
ajbmeb-1466	14	12	methods	method	NOUN
ajbmeb-1466	14	13	are	be	AUX
ajbmeb-1466	14	14	used	use	VERB
ajbmeb-1466	14	15	to	to	PART
ajbmeb-1466	14	16	form	form	VERB
ajbmeb-1466	14	17	a	a	DET
ajbmeb-1466	14	18	portfolio	portfolio	NOUN
ajbmeb-1466	14	19	of	of	ADP
ajbmeb-1466	14	20	assets	asset	NOUN
ajbmeb-1466	14	21	resulting	result	VERB
ajbmeb-1466	14	22	from	from	ADP
ajbmeb-1466	14	23	the	the	DET
ajbmeb-1466	14	24	active	active	ADJ
ajbmeb-1466	14	25	operations	operation	NOUN
ajbmeb-1466	14	26	of	of	ADP
ajbmeb-1466	14	27	a	a	DET
ajbmeb-1466	14	28	commercial	commercial	ADJ
ajbmeb-1466	14	29	bank	bank	NOUN
ajbmeb-1466	14	30	.	.	PUNCT
ajbmeb-1466	15	1	asset	asset	NOUN
ajbmeb-1466	15	2	management	management	NOUN
ajbmeb-1466	15	3	in	in	ADP
ajbmeb-1466	15	4	banking	banking	NOUN
ajbmeb-1466	15	5	originated	originate	VERB
ajbmeb-1466	15	6	in	in	ADP
ajbmeb-1466	15	7	the	the	DET
ajbmeb-1466	15	8	usa	usa	PROPN
ajbmeb-1466	15	9	in	in	ADP
ajbmeb-1466	15	10	the	the	DET
ajbmeb-1466	15	11	1960s	1960	NOUN
ajbmeb-1466	15	12	and	and	CCONJ
ajbmeb-1466	15	13	initially	initially	ADV
ajbmeb-1466	15	14	aimed	aim	VERB
ajbmeb-1466	15	15	at	at	ADP
ajbmeb-1466	15	16	managing	manage	VERB
ajbmeb-1466	15	17	the	the	DET
ajbmeb-1466	15	18	level	level	NOUN
ajbmeb-1466	15	19	of	of	ADP
ajbmeb-1466	15	20	risk	risk	NOUN
ajbmeb-1466	15	21	associated	associate	VERB
ajbmeb-1466	15	22	with	with	ADP
ajbmeb-1466	15	23	changes	change	NOUN
ajbmeb-1466	15	24	in	in	ADP
ajbmeb-1466	15	25	interest	interest	NOUN
ajbmeb-1466	15	26	rates.[4	rates.[4	NOUN
ajbmeb-1466	15	27	]	]	PUNCT
ajbmeb-1466	15	28	until	until	ADP
ajbmeb-1466	15	29	this	this	DET
ajbmeb-1466	15	30	period	period	NOUN
ajbmeb-1466	15	31	,	,	PUNCT
ajbmeb-1466	15	32	commercial	commercial	ADJ
ajbmeb-1466	15	33	banks	bank	NOUN
ajbmeb-1466	15	34	used	use	VERB
ajbmeb-1466	15	35	certain	certain	ADJ
ajbmeb-1466	15	36	instruments	instrument	NOUN
ajbmeb-1466	15	37	or	or	CCONJ
ajbmeb-1466	15	38	specific	specific	ADJ
ajbmeb-1466	15	39	operations	operation	NOUN
ajbmeb-1466	15	40	to	to	PART
ajbmeb-1466	15	41	manage	manage	VERB
ajbmeb-1466	15	42	assets	asset	NOUN
ajbmeb-1466	15	43	and	and	CCONJ
ajbmeb-1466	15	44	liabilities	liability	NOUN
ajbmeb-1466	15	45	.	.	PUNCT
ajbmeb-1466	16	1	however	however	ADV
ajbmeb-1466	16	2	,	,	PUNCT
ajbmeb-1466	16	3	today	today	NOUN
ajbmeb-1466	16	4	,	,	PUNCT
ajbmeb-1466	16	5	changes	change	NOUN
ajbmeb-1466	16	6	in	in	ADP
ajbmeb-1466	16	7	the	the	DET
ajbmeb-1466	16	8	banking	banking	NOUN
ajbmeb-1466	16	9	system	system	NOUN
ajbmeb-1466	16	10	,	,	PUNCT
ajbmeb-1466	16	11	the	the	DET
ajbmeb-1466	16	12	increasing	increase	VERB
ajbmeb-1466	16	13	intensity	intensity	NOUN
ajbmeb-1466	16	14	of	of	ADP
ajbmeb-1466	16	15	the	the	DET
ajbmeb-1466	16	16	banking	banking	NOUN
ajbmeb-1466	16	17	services	service	NOUN
ajbmeb-1466	16	18	market	market	NOUN
ajbmeb-1466	16	19	,	,	PUNCT
ajbmeb-1466	16	20	and	and	CCONJ
ajbmeb-1466	16	21	the	the	DET
ajbmeb-1466	16	22	development	development	NOUN
ajbmeb-1466	16	23	of	of	ADP
ajbmeb-1466	16	24	information	information	NOUN
ajbmeb-1466	16	25	technologies	technology	NOUN
ajbmeb-1466	16	26	have	have	AUX
ajbmeb-1466	16	27	created	create	VERB
ajbmeb-1466	16	28	the	the	DET
ajbmeb-1466	16	29	need	need	NOUN
ajbmeb-1466	16	30	for	for	ADP
ajbmeb-1466	16	31	asset	asset	NOUN
ajbmeb-1466	16	32	management	management	NOUN
ajbmeb-1466	16	33	in	in	ADP
ajbmeb-1466	16	34	banks	bank	NOUN
ajbmeb-1466	16	35	to	to	PART
ajbmeb-1466	16	36	ensure	ensure	VERB
ajbmeb-1466	16	37	a	a	DET
ajbmeb-1466	16	38	balance	balance	NOUN
ajbmeb-1466	16	39	between	between	ADP
ajbmeb-1466	16	40	high	high	ADJ
ajbmeb-1466	16	41	returns	return	NOUN
ajbmeb-1466	16	42	and	and	CCONJ
ajbmeb-1466	16	43	risk	risk	NOUN
ajbmeb-1466	16	44	levels	level	NOUN
ajbmeb-1466	16	45	.	.	PUNCT
ajbmeb-1466	17	1	the	the	DET
ajbmeb-1466	17	2	well	well	ADV
ajbmeb-1466	17	3	-	-	PUNCT
ajbmeb-1466	17	4	known	know	VERB
ajbmeb-1466	17	5	economist	economist	NOUN
ajbmeb-1466	17	6	p.	p.	PROPN
ajbmeb-1466	17	7	rose	rise	VERB
ajbmeb-1466	17	8	further	far	ADV
ajbmeb-1466	17	9	explains	explain	VERB
ajbmeb-1466	17	10	the	the	DET
ajbmeb-1466	17	11	essence	essence	NOUN
ajbmeb-1466	17	12	of	of	ADP
ajbmeb-1466	17	13	asset	asset	NOUN
ajbmeb-1466	17	14	and	and	CCONJ
ajbmeb-1466	17	15	liability	liability	NOUN
ajbmeb-1466	17	16	management	management	NOUN
ajbmeb-1466	17	17	of	of	ADP
ajbmeb-1466	17	18	banks	bank	NOUN
ajbmeb-1466	17	19	,	,	PUNCT
ajbmeb-1466	17	20	stating	state	VERB
ajbmeb-1466	17	21	that	that	SCONJ
ajbmeb-1466	17	22	“	"	PUNCT
ajbmeb-1466	17	23	the	the	DET
ajbmeb-1466	17	24	essence	essence	NOUN
ajbmeb-1466	17	25	of	of	ADP
ajbmeb-1466	17	26	asset	asset	NOUN
ajbmeb-1466	17	27	and	and	CCONJ
ajbmeb-1466	17	28	liability	liability	NOUN
ajbmeb-1466	17	29	management	management	NOUN
ajbmeb-1466	17	30	is	be	AUX
ajbmeb-1466	17	31	seen	see	VERB
ajbmeb-1466	17	32	in	in	ADP
ajbmeb-1466	17	33	the	the	DET
ajbmeb-1466	17	34	formulation	formulation	NOUN
ajbmeb-1466	17	35	of	of	ADP
ajbmeb-1466	17	36	a	a	DET
ajbmeb-1466	17	37	strategy	strategy	NOUN
ajbmeb-1466	17	38	and	and	CCONJ
ajbmeb-1466	17	39	implementation	implementation	NOUN
ajbmeb-1466	17	40	of	of	ADP
ajbmeb-1466	17	41	measures	measure	NOUN
ajbmeb-1466	17	42	that	that	PRON
ajbmeb-1466	17	43	ensure	ensure	VERB
ajbmeb-1466	17	44	that	that	SCONJ
ajbmeb-1466	17	45	the	the	DET
ajbmeb-1466	17	46	composition	composition	NOUN
ajbmeb-1466	17	47	of	of	ADP
ajbmeb-1466	17	48	the	the	DET
ajbmeb-1466	17	49	bank	bank	NOUN
ajbmeb-1466	17	50	’s	’s	PART
ajbmeb-1466	17	51	balance	balance	NOUN
ajbmeb-1466	17	52	sheet	sheet	NOUN
ajbmeb-1466	17	53	is	be	AUX
ajbmeb-1466	17	54	consistent	consistent	ADJ
ajbmeb-1466	17	55	with	with	ADP
ajbmeb-1466	17	56	the	the	DET
ajbmeb-1466	17	57	bank	bank	NOUN
ajbmeb-1466	17	58	’s	’s	PART
ajbmeb-1466	17	59	strategic	strategic	ADJ
ajbmeb-1466	17	60	programs	program	NOUN
ajbmeb-1466	17	61	.	.	PUNCT
ajbmeb-1466	18	1	”[5	”[5	PROPN
ajbmeb-1466	18	2	]	]	PUNCT
ajbmeb-1466	18	3	in	in	ADP
ajbmeb-1466	18	4	addition	addition	NOUN
ajbmeb-1466	18	5	,	,	PUNCT
ajbmeb-1466	18	6	p.	p.	PROPN
ajbmeb-1466	18	7	rose	rise	VERB
ajbmeb-1466	18	8	emphasizes	emphasize	VERB
ajbmeb-1466	18	9	the	the	DET
ajbmeb-1466	18	10	goals	goal	NOUN
ajbmeb-1466	18	11	of	of	ADP
ajbmeb-1466	18	12	using	use	VERB
ajbmeb-1466	18	13	bank	bank	NOUN
ajbmeb-1466	18	14	assets	asset	NOUN
ajbmeb-1466	18	15	and	and	CCONJ
ajbmeb-1466	18	16	ensuring	ensure	VERB
ajbmeb-1466	18	17	their	their	PRON
ajbmeb-1466	18	18	liquidity	liquidity	NOUN
ajbmeb-1466	18	19	for	for	SCONJ
ajbmeb-1466	18	20	the	the	DET
ajbmeb-1466	18	21	bank	bank	NOUN
ajbmeb-1466	18	22	to	to	PART
ajbmeb-1466	18	23	exist	exist	VERB
ajbmeb-1466	18	24	.	.	PUNCT
ajbmeb-1466	19	1	banks	bank	NOUN
ajbmeb-1466	19	2	are	be	AUX
ajbmeb-1466	19	3	required	require	VERB
ajbmeb-1466	19	4	not	not	PART
ajbmeb-1466	19	5	only	only	ADV
ajbmeb-1466	19	6	to	to	PART
ajbmeb-1466	19	7	fulfill	fulfill	VERB
ajbmeb-1466	19	8	their	their	PRON
ajbmeb-1466	19	9	obligations	obligation	NOUN
ajbmeb-1466	19	10	to	to	ADP
ajbmeb-1466	19	11	customers	customer	NOUN
ajbmeb-1466	19	12	,	,	PUNCT
ajbmeb-1466	19	13	but	but	CCONJ
ajbmeb-1466	19	14	also	also	ADV
ajbmeb-1466	19	15	to	to	PART
ajbmeb-1466	19	16	ensure	ensure	VERB
ajbmeb-1466	19	17	high	high	ADJ
ajbmeb-1466	19	18	profits	profit	NOUN
ajbmeb-1466	19	19	and	and	CCONJ
ajbmeb-1466	19	20	achieve	achieve	VERB
ajbmeb-1466	19	21	important	important	ADJ
ajbmeb-1466	19	22	goals	goal	NOUN
ajbmeb-1466	19	23	for	for	ADP
ajbmeb-1466	19	24	bank	bank	NOUN
ajbmeb-1466	19	25	shareholders	shareholder	NOUN
ajbmeb-1466	19	26	by	by	ADP
ajbmeb-1466	19	27	increasing	increase	VERB
ajbmeb-1466	19	28	the	the	DET
ajbmeb-1466	19	29	bank	bank	NOUN
ajbmeb-1466	19	30	's	's	PART
ajbmeb-1466	19	31	profitability	profitability	NOUN
ajbmeb-1466	19	32	.	.	PUNCT
ajbmeb-1466	20	1	analysis	analysis	NOUN
ajbmeb-1466	20	2	and	and	CCONJ
ajbmeb-1466	20	3	results	result	NOUN
ajbmeb-1466	20	4	econometric	econometric	ADJ
ajbmeb-1466	20	5	analysis	analysis	NOUN
ajbmeb-1466	20	6	is	be	AUX
ajbmeb-1466	20	7	of	of	ADP
ajbmeb-1466	20	8	particular	particular	ADJ
ajbmeb-1466	20	9	importance	importance	NOUN
ajbmeb-1466	20	10	in	in	ADP
ajbmeb-1466	20	11	analyzing	analyze	VERB
ajbmeb-1466	20	12	the	the	DET
ajbmeb-1466	20	13	efficiency	efficiency	NOUN
ajbmeb-1466	20	14	of	of	ADP
ajbmeb-1466	20	15	commercial	commercial	ADJ
ajbmeb-1466	20	16	banks	bank	NOUN
ajbmeb-1466	20	17	’	'	PUNCT
ajbmeb-1466	20	18	assets	asset	NOUN
ajbmeb-1466	20	19	.	.	PUNCT
ajbmeb-1466	21	1	there	there	PRON
ajbmeb-1466	21	2	are	be	VERB
ajbmeb-1466	21	3	a	a	DET
ajbmeb-1466	21	4	number	number	NOUN
ajbmeb-1466	21	5	of	of	ADP
ajbmeb-1466	21	6	models	model	NOUN
ajbmeb-1466	21	7	in	in	ADP
ajbmeb-1466	21	8	econometric	econometric	ADJ
ajbmeb-1466	21	9	analysis	analysis	NOUN
ajbmeb-1466	21	10	.	.	PUNCT
ajbmeb-1466	22	1	below	below	ADV
ajbmeb-1466	22	2	,	,	PUNCT
ajbmeb-1466	22	3	we	we	PRON
ajbmeb-1466	22	4	will	will	AUX
ajbmeb-1466	22	5	analyze	analyze	VERB
ajbmeb-1466	22	6	the	the	DET
ajbmeb-1466	22	7	econometric	econometric	ADJ
ajbmeb-1466	22	8	analysis	analysis	NOUN
ajbmeb-1466	22	9	of	of	ADP
ajbmeb-1466	22	10	bank	bank	NOUN
ajbmeb-1466	22	11	asset	asset	NOUN
ajbmeb-1466	22	12	efficiency	efficiency	NOUN
ajbmeb-1466	22	13	based	base	VERB
ajbmeb-1466	22	14	on	on	ADP
ajbmeb-1466	22	15	these	these	DET
ajbmeb-1466	22	16	models	model	NOUN
ajbmeb-1466	22	17	..	..	PUNCT
ajbmeb-1466	22	18	results	result	NOUN
ajbmeb-1466	22	19	and	and	CCONJ
ajbmeb-1466	22	20	discussions	discussion	NOUN
ajbmeb-1466	22	21	for	for	ADP
ajbmeb-1466	22	22	model	model	NOUN
ajbmeb-1466	22	23	1	1	NUM
ajbmeb-1466	22	24	the	the	DET
ajbmeb-1466	22	25	hausman	hausman	ADJ
ajbmeb-1466	22	26	test	test	NOUN
ajbmeb-1466	22	27	is	be	AUX
ajbmeb-1466	22	28	a	a	DET
ajbmeb-1466	22	29	statistical	statistical	ADJ
ajbmeb-1466	22	30	technique	technique	NOUN
ajbmeb-1466	22	31	widely	widely	ADV
ajbmeb-1466	22	32	used	use	VERB
ajbmeb-1466	22	33	in	in	ADP
ajbmeb-1466	22	34	panel	panel	NOUN
ajbmeb-1466	22	35	data	datum	NOUN
ajbmeb-1466	22	36	analysis	analysis	NOUN
ajbmeb-1466	22	37	to	to	PART
ajbmeb-1466	22	38	help	help	VERB
ajbmeb-1466	22	39	determine	determine	VERB
ajbmeb-1466	22	40	whether	whether	SCONJ
ajbmeb-1466	22	41	a	a	DET
ajbmeb-1466	22	42	fixed	fix	VERB
ajbmeb-1466	22	43	effects	effect	NOUN
ajbmeb-1466	22	44	(	(	PUNCT
ajbmeb-1466	22	45	fe	fe	NOUN
ajbmeb-1466	22	46	)	)	PUNCT
ajbmeb-1466	22	47	model	model	NOUN
ajbmeb-1466	22	48	or	or	CCONJ
ajbmeb-1466	22	49	a	a	DET
ajbmeb-1466	22	50	random	random	ADJ
ajbmeb-1466	22	51	effects	effect	NOUN
ajbmeb-1466	22	52	(	(	PUNCT
ajbmeb-1466	22	53	re	re	NOUN
ajbmeb-1466	22	54	)	)	PUNCT
ajbmeb-1466	22	55	model	model	NOUN
ajbmeb-1466	22	56	is	be	AUX
ajbmeb-1466	22	57	appropriate	appropriate	ADJ
ajbmeb-1466	22	58	for	for	ADP
ajbmeb-1466	22	59	a	a	DET
ajbmeb-1466	22	60	data	data	NOUN
ajbmeb-1466	22	61	set	set	VERB
ajbmeb-1466	22	62	.	.	PUNCT
ajbmeb-1466	23	1	panel	panel	NOUN
ajbmeb-1466	23	2	data	datum	NOUN
ajbmeb-1466	23	3	combine	combine	VERB
ajbmeb-1466	23	4	time	time	NOUN
ajbmeb-1466	23	5	and	and	CCONJ
ajbmeb-1466	23	6	cross	cross	ADJ
ajbmeb-1466	23	7	-	-	ADJ
ajbmeb-1466	23	8	sectional	sectional	ADJ
ajbmeb-1466	23	9	(	(	PUNCT
ajbmeb-1466	23	10	individual	individual	ADJ
ajbmeb-1466	23	11	or	or	CCONJ
ajbmeb-1466	23	12	organizational	organizational	ADJ
ajbmeb-1466	23	13	)	)	PUNCT
ajbmeb-1466	23	14	measures	measure	NOUN
ajbmeb-1466	23	15	.	.	PUNCT
ajbmeb-1466	24	1	the	the	DET
ajbmeb-1466	24	2	choice	choice	NOUN
ajbmeb-1466	24	3	between	between	ADP
ajbmeb-1466	24	4	fe	fe	NOUN
ajbmeb-1466	24	5	and	and	CCONJ
ajbmeb-1466	24	6	re	re	NOUN
ajbmeb-1466	24	7	models	model	NOUN
ajbmeb-1466	24	8	depends	depend	VERB
ajbmeb-1466	24	9	on	on	ADP
ajbmeb-1466	24	10	how	how	SCONJ
ajbmeb-1466	24	11	unobserved	unobserved	ADJ
ajbmeb-1466	24	12	individual	individual	ADJ
ajbmeb-1466	24	13	characteristics	characteristic	NOUN
ajbmeb-1466	24	14	are	be	AUX
ajbmeb-1466	24	15	distributed	distribute	VERB
ajbmeb-1466	24	16	and	and	CCONJ
ajbmeb-1466	24	17	how	how	SCONJ
ajbmeb-1466	24	18	they	they	PRON
ajbmeb-1466	24	19	are	be	AUX
ajbmeb-1466	24	20	associated	associate	VERB
ajbmeb-1466	24	21	with	with	ADP
ajbmeb-1466	24	22	the	the	DET
ajbmeb-1466	24	23	independent	independent	ADJ
ajbmeb-1466	24	24	variables	variable	NOUN
ajbmeb-1466	24	25	.	.	PUNCT
ajbmeb-1466	25	1	the	the	DET
ajbmeb-1466	25	2	fixed	fix	VERB
ajbmeb-1466	25	3	effects	effect	NOUN
ajbmeb-1466	25	4	(	(	PUNCT
ajbmeb-1466	25	5	fe	fe	NOUN
ajbmeb-1466	25	6	)	)	PUNCT
ajbmeb-1466	25	7	model	model	NOUN
ajbmeb-1466	25	8	assumes	assume	VERB
ajbmeb-1466	25	9	that	that	SCONJ
ajbmeb-1466	25	10	these	these	DET
ajbmeb-1466	25	11	unobserved	unobserved	ADJ
ajbmeb-1466	25	12	individual	individual	ADJ
ajbmeb-1466	25	13	characteristics	characteristic	NOUN
ajbmeb-1466	25	14	(	(	PUNCT
ajbmeb-1466	25	15	e.g.	e.g.	ADV
ajbmeb-1466	25	16	,	,	PUNCT
ajbmeb-1466	25	17	factors	factor	NOUN
ajbmeb-1466	25	18	specific	specific	ADJ
ajbmeb-1466	25	19	to	to	ADP
ajbmeb-1466	25	20	each	each	DET
ajbmeb-1466	25	21	firm	firm	NOUN
ajbmeb-1466	25	22	or	or	CCONJ
ajbmeb-1466	25	23	individual	individual	ADJ
ajbmeb-1466	25	24	)	)	PUNCT
ajbmeb-1466	25	25	are	be	AUX
ajbmeb-1466	25	26	associated	associate	VERB
ajbmeb-1466	25	27	with	with	ADP
ajbmeb-1466	25	28	the	the	DET
ajbmeb-1466	25	29	independent	independent	ADJ
ajbmeb-1466	25	30	variables	variable	NOUN
ajbmeb-1466	25	31	and	and	CCONJ
ajbmeb-1466	25	32	assigns	assign	VERB
ajbmeb-1466	25	33	a	a	DET
ajbmeb-1466	25	34	separate	separate	ADJ
ajbmeb-1466	25	35	baseline	baseline	NOUN
ajbmeb-1466	25	36	value	value	NOUN
ajbmeb-1466	25	37	to	to	ADP
ajbmeb-1466	25	38	each	each	DET
ajbmeb-1466	25	39	cross	cross	ADJ
ajbmeb-1466	25	40	-	-	ADJ
ajbmeb-1466	25	41	sectional	sectional	ADJ
ajbmeb-1466	25	42	unit	unit	NOUN
ajbmeb-1466	25	43	(	(	PUNCT
ajbmeb-1466	25	44	e.g.	e.g.	ADV
ajbmeb-1466	25	45	,	,	PUNCT
ajbmeb-1466	25	46	firm	firm	ADJ
ajbmeb-1466	25	47	or	or	CCONJ
ajbmeb-1466	25	48	individual	individual	ADJ
ajbmeb-1466	25	49	)	)	PUNCT
ajbmeb-1466	25	50	.	.	PUNCT
ajbmeb-1466	26	1	in	in	ADP
ajbmeb-1466	26	2	other	other	ADJ
ajbmeb-1466	26	3	words	word	NOUN
ajbmeb-1466	26	4	,	,	PUNCT
ajbmeb-1466	26	5	this	this	DET
ajbmeb-1466	26	6	model	model	NOUN
ajbmeb-1466	26	7	takes	take	VERB
ajbmeb-1466	26	8	into	into	ADP
ajbmeb-1466	26	9	account	account	NOUN
ajbmeb-1466	26	10	the	the	DET
ajbmeb-1466	26	11	unique	unique	ADJ
ajbmeb-1466	26	12	characteristics	characteristic	NOUN
ajbmeb-1466	26	13	of	of	ADP
ajbmeb-1466	26	14	each	each	DET
ajbmeb-1466	26	15	unit	unit	NOUN
ajbmeb-1466	26	16	.	.	PUNCT
ajbmeb-1466	27	1	the	the	DET
ajbmeb-1466	27	2	random	random	ADJ
ajbmeb-1466	27	3	effects	effect	NOUN
ajbmeb-1466	27	4	model	model	NOUN
ajbmeb-1466	27	5	(	(	PUNCT
ajbmeb-1466	27	6	re	re	NOUN
ajbmeb-1466	27	7	)	)	PUNCT
ajbmeb-1466	27	8	assumes	assume	VERB
ajbmeb-1466	27	9	that	that	SCONJ
ajbmeb-1466	27	10	these	these	DET
ajbmeb-1466	27	11	unobserved	unobserved	ADJ
ajbmeb-1466	27	12	characteristics	characteristic	NOUN
ajbmeb-1466	27	13	are	be	AUX
ajbmeb-1466	27	14	not	not	PART
ajbmeb-1466	27	15	related	relate	VERB
ajbmeb-1466	27	16	to	to	ADP
ajbmeb-1466	27	17	the	the	DET
ajbmeb-1466	27	18	american	american	ADJ
ajbmeb-1466	27	19	journal	journal	PROPN
ajbmeb-1466	27	20	of	of	ADP
ajbmeb-1466	27	21	business	business	NOUN
ajbmeb-1466	27	22	management	management	NOUN
ajbmeb-1466	27	23	,	,	PUNCT
ajbmeb-1466	27	24	economics	economic	NOUN
ajbmeb-1466	27	25	and	and	CCONJ
ajbmeb-1466	27	26	banking	banking	NOUN
ajbmeb-1466	27	27	volume	volume	NOUN
ajbmeb-1466	27	28	39	39	NUM
ajbmeb-1466	27	29	august2025	august2025	PROPN
ajbmeb-1466	27	30	p	p	NOUN
ajbmeb-1466	27	31	a	a	DET
ajbmeb-1466	27	32	g	g	NOUN
ajbmeb-1466	27	33	e	e	NOUN
ajbmeb-1466	27	34	|	|	ADV
ajbmeb-1466	27	35	11	11	NUM
ajbmeb-1466	27	36	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	27	37	independent	independent	ADJ
ajbmeb-1466	27	38	variables	variable	NOUN
ajbmeb-1466	27	39	and	and	CCONJ
ajbmeb-1466	27	40	includes	include	VERB
ajbmeb-1466	27	41	them	they	PRON
ajbmeb-1466	27	42	in	in	ADP
ajbmeb-1466	27	43	the	the	DET
ajbmeb-1466	27	44	error	error	NOUN
ajbmeb-1466	27	45	term	term	NOUN
ajbmeb-1466	27	46	of	of	ADP
ajbmeb-1466	27	47	the	the	DET
ajbmeb-1466	27	48	model	model	NOUN
ajbmeb-1466	27	49	.	.	PUNCT
ajbmeb-1466	28	1	the	the	DET
ajbmeb-1466	28	2	hausman	hausman	PROPN
ajbmeb-1466	28	3	test	test	NOUN
ajbmeb-1466	28	4	tests	test	VERB
ajbmeb-1466	28	5	this	this	DET
ajbmeb-1466	28	6	assumption	assumption	NOUN
ajbmeb-1466	28	7	the	the	DET
ajbmeb-1466	28	8	null	null	ADJ
ajbmeb-1466	28	9	hypothesis	hypothesis	NOUN
ajbmeb-1466	28	10	(	(	PUNCT
ajbmeb-1466	28	11	h₀	h₀	NOUN
ajbmeb-1466	28	12	)	)	PUNCT
ajbmeb-1466	28	13	is	be	AUX
ajbmeb-1466	28	14	that	that	SCONJ
ajbmeb-1466	28	15	the	the	DET
ajbmeb-1466	28	16	random	random	ADJ
ajbmeb-1466	28	17	effects	effect	NOUN
ajbmeb-1466	28	18	model	model	NOUN
ajbmeb-1466	28	19	is	be	AUX
ajbmeb-1466	28	20	preferable	preferable	ADJ
ajbmeb-1466	28	21	,	,	PUNCT
ajbmeb-1466	28	22	that	that	ADV
ajbmeb-1466	28	23	is	is	ADV
ajbmeb-1466	28	24	,	,	PUNCT
ajbmeb-1466	28	25	the	the	DET
ajbmeb-1466	28	26	unobserved	unobserved	ADJ
ajbmeb-1466	28	27	individual	individual	ADJ
ajbmeb-1466	28	28	characteristics	characteristic	NOUN
ajbmeb-1466	28	29	are	be	AUX
ajbmeb-1466	28	30	not	not	PART
ajbmeb-1466	28	31	related	relate	VERB
ajbmeb-1466	28	32	to	to	ADP
ajbmeb-1466	28	33	the	the	DET
ajbmeb-1466	28	34	independent	independent	ADJ
ajbmeb-1466	28	35	variables	variable	NOUN
ajbmeb-1466	28	36	.	.	PUNCT
ajbmeb-1466	29	1	the	the	DET
ajbmeb-1466	29	2	alternative	alternative	ADJ
ajbmeb-1466	29	3	hypothesis	hypothesis	NOUN
ajbmeb-1466	29	4	(	(	PUNCT
ajbmeb-1466	29	5	h₁	h₁	NOUN
ajbmeb-1466	29	6	)	)	PUNCT
ajbmeb-1466	29	7	assumes	assume	VERB
ajbmeb-1466	29	8	that	that	SCONJ
ajbmeb-1466	29	9	the	the	DET
ajbmeb-1466	29	10	fixed	fix	VERB
ajbmeb-1466	29	11	effects	effect	NOUN
ajbmeb-1466	29	12	model	model	NOUN
ajbmeb-1466	29	13	is	be	AUX
ajbmeb-1466	29	14	preferable	preferable	ADJ
ajbmeb-1466	29	15	,	,	PUNCT
ajbmeb-1466	29	16	because	because	SCONJ
ajbmeb-1466	29	17	such	such	DET
ajbmeb-1466	29	18	a	a	DET
ajbmeb-1466	29	19	relationship	relationship	NOUN
ajbmeb-1466	29	20	exists	exist	VERB
ajbmeb-1466	29	21	.	.	PUNCT
ajbmeb-1466	30	1	if	if	SCONJ
ajbmeb-1466	30	2	the	the	DET
ajbmeb-1466	30	3	null	null	ADJ
ajbmeb-1466	30	4	hypothesis	hypothesis	NOUN
ajbmeb-1466	30	5	is	be	AUX
ajbmeb-1466	30	6	rejected	reject	VERB
ajbmeb-1466	30	7	,	,	PUNCT
ajbmeb-1466	30	8	then	then	ADV
ajbmeb-1466	30	9	the	the	DET
ajbmeb-1466	30	10	main	main	ADJ
ajbmeb-1466	30	11	condition	condition	NOUN
ajbmeb-1466	30	12	of	of	ADP
ajbmeb-1466	30	13	the	the	DET
ajbmeb-1466	30	14	re	re	PROPN
ajbmeb-1466	30	15	model	model	NOUN
ajbmeb-1466	30	16	is	be	AUX
ajbmeb-1466	30	17	violated	violate	VERB
ajbmeb-1466	30	18	,	,	PUNCT
ajbmeb-1466	30	19	and	and	CCONJ
ajbmeb-1466	30	20	in	in	ADP
ajbmeb-1466	30	21	this	this	DET
ajbmeb-1466	30	22	case	case	NOUN
ajbmeb-1466	30	23	it	it	PRON
ajbmeb-1466	30	24	is	be	AUX
ajbmeb-1466	30	25	recommended	recommend	VERB
ajbmeb-1466	30	26	to	to	PART
ajbmeb-1466	30	27	use	use	VERB
ajbmeb-1466	30	28	the	the	DET
ajbmeb-1466	30	29	fe	fe	PROPN
ajbmeb-1466	30	30	model	model	NOUN
ajbmeb-1466	30	31	,	,	PUNCT
ajbmeb-1466	30	32	because	because	SCONJ
ajbmeb-1466	30	33	the	the	DET
ajbmeb-1466	30	34	re	re	PROPN
ajbmeb-1466	30	35	model	model	NOUN
ajbmeb-1466	30	36	leads	lead	VERB
ajbmeb-1466	30	37	to	to	ADP
ajbmeb-1466	30	38	incorrect	incorrect	ADJ
ajbmeb-1466	30	39	and	and	CCONJ
ajbmeb-1466	30	40	biased	biased	ADJ
ajbmeb-1466	30	41	estimation	estimation	NOUN
ajbmeb-1466	30	42	results	result	NOUN
ajbmeb-1466	30	43	.	.	PUNCT
ajbmeb-1466	31	1	the	the	DET
ajbmeb-1466	31	2	results	result	NOUN
ajbmeb-1466	31	3	of	of	ADP
ajbmeb-1466	31	4	the	the	DET
ajbmeb-1466	31	5	hausman	hausman	ADJ
ajbmeb-1466	31	6	test	test	NOUN
ajbmeb-1466	31	7	for	for	ADP
ajbmeb-1466	31	8	model	model	NOUN
ajbmeb-1466	31	9	1	1	NUM
ajbmeb-1466	31	10	were	be	AUX
ajbmeb-1466	31	11	as	as	SCONJ
ajbmeb-1466	31	12	follows	follow	VERB
ajbmeb-1466	31	13	:	:	PUNCT
ajbmeb-1466	31	14	chi	chi	ADJ
ajbmeb-1466	31	15	-	-	PUNCT
ajbmeb-1466	31	16	square	square	ADJ
ajbmeb-1466	31	17	statistic	statistic	NOUN
ajbmeb-1466	31	18	498.14	498.14	NUM
ajbmeb-1466	31	19	,	,	PUNCT
ajbmeb-1466	31	20	degrees	degree	NOUN
ajbmeb-1466	31	21	of	of	ADP
ajbmeb-1466	31	22	freedom	freedom	NOUN
ajbmeb-1466	31	23	(	(	PUNCT
ajbmeb-1466	31	24	df	df	NOUN
ajbmeb-1466	31	25	)	)	PUNCT
ajbmeb-1466	31	26	–	–	PUNCT
ajbmeb-1466	31	27	7	7	NUM
ajbmeb-1466	31	28	,	,	PUNCT
ajbmeb-1466	31	29	and	and	CCONJ
ajbmeb-1466	31	30	p	p	X
ajbmeb-1466	31	31	-	-	PUNCT
ajbmeb-1466	31	32	value	value	NOUN
ajbmeb-1466	31	33	0.000	0.000	NUM
ajbmeb-1466	31	34	.	.	PUNCT
ajbmeb-1466	32	1	since	since	SCONJ
ajbmeb-1466	32	2	the	the	DET
ajbmeb-1466	32	3	p	p	NOUN
ajbmeb-1466	32	4	-	-	PUNCT
ajbmeb-1466	32	5	value	value	NOUN
ajbmeb-1466	32	6	is	be	AUX
ajbmeb-1466	32	7	very	very	ADV
ajbmeb-1466	32	8	small	small	ADJ
ajbmeb-1466	32	9	,	,	PUNCT
ajbmeb-1466	32	10	it	it	PRON
ajbmeb-1466	32	11	is	be	AUX
ajbmeb-1466	32	12	statistically	statistically	ADV
ajbmeb-1466	32	13	possible	possible	ADJ
ajbmeb-1466	32	14	to	to	PART
ajbmeb-1466	32	15	reject	reject	VERB
ajbmeb-1466	32	16	the	the	DET
ajbmeb-1466	32	17	null	null	ADJ
ajbmeb-1466	32	18	hypothesis	hypothesis	NOUN
ajbmeb-1466	32	19	.	.	PUNCT
ajbmeb-1466	33	1	this	this	PRON
ajbmeb-1466	33	2	means	mean	VERB
ajbmeb-1466	33	3	that	that	SCONJ
ajbmeb-1466	33	4	there	there	PRON
ajbmeb-1466	33	5	is	be	VERB
ajbmeb-1466	33	6	a	a	DET
ajbmeb-1466	33	7	significant	significant	ADJ
ajbmeb-1466	33	8	relationship	relationship	NOUN
ajbmeb-1466	33	9	between	between	ADP
ajbmeb-1466	33	10	the	the	DET
ajbmeb-1466	33	11	unobserved	unobserved	ADJ
ajbmeb-1466	33	12	individual	individual	ADJ
ajbmeb-1466	33	13	characteristics	characteristic	NOUN
ajbmeb-1466	33	14	and	and	CCONJ
ajbmeb-1466	33	15	the	the	DET
ajbmeb-1466	33	16	independent	independent	ADJ
ajbmeb-1466	33	17	variables	variable	NOUN
ajbmeb-1466	33	18	.	.	PUNCT
ajbmeb-1466	34	1	therefore	therefore	ADV
ajbmeb-1466	34	2	,	,	PUNCT
ajbmeb-1466	34	3	the	the	DET
ajbmeb-1466	34	4	fixed	fix	VERB
ajbmeb-1466	34	5	effects	effect	NOUN
ajbmeb-1466	34	6	model	model	NOUN
ajbmeb-1466	34	7	is	be	AUX
ajbmeb-1466	34	8	considered	consider	VERB
ajbmeb-1466	34	9	appropriate	appropriate	ADJ
ajbmeb-1466	34	10	for	for	ADP
ajbmeb-1466	34	11	this	this	DET
ajbmeb-1466	34	12	analysis	analysis	NOUN
ajbmeb-1466	34	13	.	.	PUNCT
ajbmeb-1466	35	1	by	by	ADP
ajbmeb-1466	35	2	using	use	VERB
ajbmeb-1466	35	3	the	the	DET
ajbmeb-1466	35	4	fe	fe	PROPN
ajbmeb-1466	35	5	model	model	NOUN
ajbmeb-1466	35	6	,	,	PUNCT
ajbmeb-1466	35	7	all	all	DET
ajbmeb-1466	35	8	characteristics	characteristic	NOUN
ajbmeb-1466	35	9	that	that	PRON
ajbmeb-1466	35	10	do	do	AUX
ajbmeb-1466	35	11	not	not	PART
ajbmeb-1466	35	12	change	change	VERB
ajbmeb-1466	35	13	over	over	ADP
ajbmeb-1466	35	14	time	time	NOUN
ajbmeb-1466	35	15	are	be	AUX
ajbmeb-1466	35	16	controlled	control	VERB
ajbmeb-1466	35	17	for	for	ADP
ajbmeb-1466	35	18	each	each	DET
ajbmeb-1466	35	19	unit	unit	NOUN
ajbmeb-1466	35	20	in	in	ADP
ajbmeb-1466	35	21	the	the	DET
ajbmeb-1466	35	22	panel	panel	NOUN
ajbmeb-1466	35	23	.	.	PUNCT
ajbmeb-1466	36	1	as	as	ADP
ajbmeb-1466	36	2	a	a	DET
ajbmeb-1466	36	3	result	result	NOUN
ajbmeb-1466	36	4	,	,	PUNCT
ajbmeb-1466	36	5	the	the	DET
ajbmeb-1466	36	6	error	error	NOUN
ajbmeb-1466	36	7	caused	cause	VERB
ajbmeb-1466	36	8	by	by	ADP
ajbmeb-1466	36	9	not	not	PART
ajbmeb-1466	36	10	taking	take	VERB
ajbmeb-1466	36	11	into	into	ADP
ajbmeb-1466	36	12	account	account	NOUN
ajbmeb-1466	36	13	factors	factor	NOUN
ajbmeb-1466	36	14	that	that	PRON
ajbmeb-1466	36	15	differ	differ	VERB
ajbmeb-1466	36	16	between	between	ADP
ajbmeb-1466	36	17	different	different	ADJ
ajbmeb-1466	36	18	units	unit	NOUN
ajbmeb-1466	36	19	but	but	CCONJ
ajbmeb-1466	36	20	are	be	AUX
ajbmeb-1466	36	21	constant	constant	ADJ
ajbmeb-1466	36	22	over	over	ADP
ajbmeb-1466	36	23	time	time	NOUN
ajbmeb-1466	36	24	(	(	PUNCT
ajbmeb-1466	36	25	omitted	omit	VERB
ajbmeb-1466	36	26	variable	variable	ADJ
ajbmeb-1466	36	27	bias	bias	NOUN
ajbmeb-1466	36	28	)	)	PUNCT
ajbmeb-1466	36	29	is	be	AUX
ajbmeb-1466	36	30	prevented	prevent	VERB
ajbmeb-1466	36	31	.	.	PUNCT
ajbmeb-1466	37	1	in	in	ADP
ajbmeb-1466	37	2	conclusion	conclusion	NOUN
ajbmeb-1466	37	3	,	,	PUNCT
ajbmeb-1466	37	4	based	base	VERB
ajbmeb-1466	37	5	on	on	ADP
ajbmeb-1466	37	6	the	the	DET
ajbmeb-1466	37	7	results	result	NOUN
ajbmeb-1466	37	8	of	of	ADP
ajbmeb-1466	37	9	the	the	DET
ajbmeb-1466	37	10	hausman	hausman	ADJ
ajbmeb-1466	37	11	test	test	NOUN
ajbmeb-1466	37	12	,	,	PUNCT
ajbmeb-1466	37	13	it	it	PRON
ajbmeb-1466	37	14	is	be	AUX
ajbmeb-1466	37	15	recommended	recommend	VERB
ajbmeb-1466	37	16	to	to	PART
ajbmeb-1466	37	17	use	use	VERB
ajbmeb-1466	37	18	the	the	DET
ajbmeb-1466	37	19	fixed	fix	VERB
ajbmeb-1466	37	20	effects	effect	NOUN
ajbmeb-1466	37	21	model	model	NOUN
ajbmeb-1466	37	22	in	in	ADP
ajbmeb-1466	37	23	model	model	NOUN
ajbmeb-1466	37	24	1	1	NUM
ajbmeb-1466	37	25	.	.	PUNCT
ajbmeb-1466	38	1	this	this	PRON
ajbmeb-1466	38	2	ensures	ensure	VERB
ajbmeb-1466	38	3	the	the	DET
ajbmeb-1466	38	4	reliability	reliability	NOUN
ajbmeb-1466	38	5	and	and	CCONJ
ajbmeb-1466	38	6	consistency	consistency	NOUN
ajbmeb-1466	38	7	of	of	ADP
ajbmeb-1466	38	8	the	the	DET
ajbmeb-1466	38	9	analysis	analysis	NOUN
ajbmeb-1466	38	10	results	result	NOUN
ajbmeb-1466	38	11	table	table	VERB
ajbmeb-1466	38	12	1	1	NUM
ajbmeb-1466	38	13	.	.	PUNCT
ajbmeb-1466	38	14	hausman	hausman	PROPN
ajbmeb-1466	38	15	test	test	NOUN
ajbmeb-1466	38	16	for	for	ADP
ajbmeb-1466	38	17	model	model	NOUN
ajbmeb-1466	38	18	1	1	NUM
ajbmeb-1466	38	19	hausman	hausman	ADJ
ajbmeb-1466	38	20	test	test	NOUN
ajbmeb-1466	38	21	for	for	ADP
ajbmeb-1466	38	22	model	model	NOUN
ajbmeb-1466	38	23	1	1	NUM
ajbmeb-1466	38	24	test	test	NOUN
ajbmeb-1466	38	25	summary	summary	NOUN
ajbmeb-1466	39	1	chi	chi	PROPN
ajbmeb-1466	39	2	-	-	PUNCT
ajbmeb-1466	39	3	sq	sq	PROPN
ajbmeb-1466	39	4	.	.	PROPN
ajbmeb-1466	39	5	statistic	statistic	ADJ
ajbmeb-1466	39	6	chi	chi	PROPN
ajbmeb-1466	39	7	-	-	PUNCT
ajbmeb-1466	39	8	sq	sq	NOUN
ajbmeb-1466	39	9	.	.	PUNCT
ajbmeb-1466	40	1	d.f	d.f	PROPN
ajbmeb-1466	40	2	p	p	NOUN
ajbmeb-1466	40	3	-	-	PUNCT
ajbmeb-1466	40	4	value	value	NOUN
ajbmeb-1466	40	5	cross	cross	ADJ
ajbmeb-1466	40	6	-	-	ADJ
ajbmeb-1466	40	7	section	section	ADJ
ajbmeb-1466	40	8	random	random	ADJ
ajbmeb-1466	40	9	498.14	498.14	NUM
ajbmeb-1466	40	10	7	7	NUM
ajbmeb-1466	40	11	0.000	0.000	NUM
ajbmeb-1466	40	12	the	the	DET
ajbmeb-1466	40	13	fixed	fix	VERB
ajbmeb-1466	40	14	effects	effect	NOUN
ajbmeb-1466	40	15	(	(	PUNCT
ajbmeb-1466	40	16	fe	fe	NOUN
ajbmeb-1466	40	17	)	)	PUNCT
ajbmeb-1466	40	18	regression	regression	NOUN
ajbmeb-1466	40	19	model	model	NOUN
ajbmeb-1466	40	20	uses	use	VERB
ajbmeb-1466	40	21	a	a	DET
ajbmeb-1466	40	22	panel	panel	NOUN
ajbmeb-1466	40	23	data	datum	NOUN
ajbmeb-1466	40	24	set	set	VERB
ajbmeb-1466	40	25	of	of	ADP
ajbmeb-1466	40	26	financial	financial	ADJ
ajbmeb-1466	40	27	indicators	indicator	NOUN
ajbmeb-1466	40	28	as	as	ADP
ajbmeb-1466	40	29	the	the	DET
ajbmeb-1466	40	30	dependent	dependent	ADJ
ajbmeb-1466	40	31	variable	variable	NOUN
ajbmeb-1466	40	32	to	to	PART
ajbmeb-1466	40	33	study	study	VERB
ajbmeb-1466	40	34	the	the	DET
ajbmeb-1466	40	35	determinants	determinant	NOUN
ajbmeb-1466	40	36	of	of	ADP
ajbmeb-1466	40	37	roa	roa	PROPN
ajbmeb-1466	40	38	.	.	PUNCT
ajbmeb-1466	41	1	the	the	DET
ajbmeb-1466	41	2	results	result	NOUN
ajbmeb-1466	41	3	of	of	ADP
ajbmeb-1466	41	4	the	the	DET
ajbmeb-1466	41	5	analysis	analysis	NOUN
ajbmeb-1466	41	6	show	show	VERB
ajbmeb-1466	41	7	that	that	SCONJ
ajbmeb-1466	41	8	some	some	DET
ajbmeb-1466	41	9	variables	variable	NOUN
ajbmeb-1466	41	10	are	be	AUX
ajbmeb-1466	41	11	statistically	statistically	ADV
ajbmeb-1466	41	12	significantly	significantly	ADV
ajbmeb-1466	41	13	related	relate	VERB
ajbmeb-1466	41	14	to	to	ADP
ajbmeb-1466	41	15	roa	roa	PROPN
ajbmeb-1466	41	16	,	,	PUNCT
ajbmeb-1466	41	17	while	while	SCONJ
ajbmeb-1466	41	18	others	other	NOUN
ajbmeb-1466	41	19	are	be	AUX
ajbmeb-1466	41	20	not	not	PART
ajbmeb-1466	41	21	.	.	PUNCT
ajbmeb-1466	42	1	cash	cash	NOUN
ajbmeb-1466	42	2	assets	asset	NOUN
ajbmeb-1466	42	3	(	(	PUNCT
ajbmeb-1466	42	4	ca	ca	NOUN
ajbmeb-1466	42	5	)	)	PUNCT
ajbmeb-1466	42	6	have	have	VERB
ajbmeb-1466	42	7	a	a	DET
ajbmeb-1466	42	8	significant	significant	ADJ
ajbmeb-1466	42	9	and	and	CCONJ
ajbmeb-1466	42	10	positive	positive	ADJ
ajbmeb-1466	42	11	impact	impact	NOUN
ajbmeb-1466	42	12	on	on	ADP
ajbmeb-1466	42	13	roa	roa	PROPN
ajbmeb-1466	42	14	.	.	PUNCT
ajbmeb-1466	43	1	this	this	PRON
ajbmeb-1466	43	2	means	mean	VERB
ajbmeb-1466	43	3	that	that	SCONJ
ajbmeb-1466	43	4	when	when	SCONJ
ajbmeb-1466	43	5	a	a	DET
ajbmeb-1466	43	6	company	company	NOUN
ajbmeb-1466	43	7	or	or	CCONJ
ajbmeb-1466	43	8	bank	bank	NOUN
ajbmeb-1466	43	9	has	have	VERB
ajbmeb-1466	43	10	more	more	ADJ
ajbmeb-1466	43	11	cash	cash	NOUN
ajbmeb-1466	43	12	,	,	PUNCT
ajbmeb-1466	43	13	profitability	profitability	NOUN
ajbmeb-1466	43	14	improves	improve	VERB
ajbmeb-1466	43	15	.	.	PUNCT
ajbmeb-1466	44	1	this	this	DET
ajbmeb-1466	44	2	result	result	NOUN
ajbmeb-1466	44	3	is	be	AUX
ajbmeb-1466	44	4	consistent	consistent	ADJ
ajbmeb-1466	44	5	with	with	ADP
ajbmeb-1466	44	6	previous	previous	ADJ
ajbmeb-1466	44	7	studies	study	NOUN
ajbmeb-1466	44	8	,	,	PUNCT
ajbmeb-1466	44	9	in	in	ADP
ajbmeb-1466	44	10	particular	particular	ADJ
ajbmeb-1466	44	11	,	,	PUNCT
ajbmeb-1466	44	12	studies	study	NOUN
ajbmeb-1466	44	13	that	that	PRON
ajbmeb-1466	44	14	have	have	AUX
ajbmeb-1466	44	15	shown	show	VERB
ajbmeb-1466	44	16	that	that	SCONJ
ajbmeb-1466	44	17	liquidity	liquidity	NOUN
ajbmeb-1466	44	18	reserves	reserve	NOUN
ajbmeb-1466	44	19	play	play	VERB
ajbmeb-1466	44	20	an	an	DET
ajbmeb-1466	44	21	important	important	ADJ
ajbmeb-1466	44	22	role	role	NOUN
ajbmeb-1466	44	23	in	in	ADP
ajbmeb-1466	44	24	maintaining	maintain	VERB
ajbmeb-1466	44	25	financial	financial	ADJ
ajbmeb-1466	44	26	stability	stability	NOUN
ajbmeb-1466	44	27	and	and	CCONJ
ajbmeb-1466	44	28	increasing	increase	VERB
ajbmeb-1466	44	29	profitability	profitability	NOUN
ajbmeb-1466	44	30	.	.	PUNCT
ajbmeb-1466	45	1	in	in	ADP
ajbmeb-1466	45	2	particular	particular	ADJ
ajbmeb-1466	45	3	,	,	PUNCT
ajbmeb-1466	45	4	studies	study	NOUN
ajbmeb-1466	45	5	by	by	ADP
ajbmeb-1466	45	6	bourke	bourke	PROPN
ajbmeb-1466	45	7	and	and	CCONJ
ajbmeb-1466	45	8	molyneux	molyneux	PROPN
ajbmeb-1466	45	9	and	and	CCONJ
ajbmeb-1466	45	10	thornton	thornton	PROPN
ajbmeb-1466	45	11	have	have	AUX
ajbmeb-1466	45	12	shown	show	VERB
ajbmeb-1466	45	13	that	that	SCONJ
ajbmeb-1466	45	14	high	high	ADJ
ajbmeb-1466	45	15	liquidity	liquidity	NOUN
ajbmeb-1466	45	16	has	have	VERB
ajbmeb-1466	45	17	a	a	DET
ajbmeb-1466	45	18	positive	positive	ADJ
ajbmeb-1466	45	19	impact	impact	NOUN
ajbmeb-1466	45	20	on	on	ADP
ajbmeb-1466	45	21	bank	bank	PROPN
ajbmeb-1466	45	22	profitability.[6,7	profitability.[6,7	X
ajbmeb-1466	45	23	]	]	X
ajbmeb-1466	45	24	central	central	ADJ
ajbmeb-1466	45	25	bank	bank	NOUN
ajbmeb-1466	45	26	funds	fund	NOUN
ajbmeb-1466	45	27	(	(	PUNCT
ajbmeb-1466	45	28	cbf	cbf	PROPN
ajbmeb-1466	45	29	)	)	PUNCT
ajbmeb-1466	45	30	also	also	ADV
ajbmeb-1466	45	31	show	show	VERB
ajbmeb-1466	45	32	a	a	DET
ajbmeb-1466	45	33	positive	positive	ADJ
ajbmeb-1466	45	34	relationship	relationship	NOUN
ajbmeb-1466	45	35	with	with	ADP
ajbmeb-1466	45	36	roa	roa	PROPN
ajbmeb-1466	45	37	.	.	PUNCT
ajbmeb-1466	46	1	this	this	DET
ajbmeb-1466	46	2	result	result	NOUN
ajbmeb-1466	46	3	suggests	suggest	VERB
ajbmeb-1466	46	4	that	that	SCONJ
ajbmeb-1466	46	5	banks	bank	NOUN
ajbmeb-1466	46	6	’	'	PUNCT
ajbmeb-1466	46	7	access	access	NOUN
ajbmeb-1466	46	8	to	to	ADP
ajbmeb-1466	46	9	central	central	ADJ
ajbmeb-1466	46	10	bank	bank	NOUN
ajbmeb-1466	46	11	resources	resource	NOUN
ajbmeb-1466	46	12	is	be	AUX
ajbmeb-1466	46	13	a	a	DET
ajbmeb-1466	46	14	factor	factor	NOUN
ajbmeb-1466	46	15	that	that	PRON
ajbmeb-1466	46	16	ensures	ensure	VERB
ajbmeb-1466	46	17	short	short	ADJ
ajbmeb-1466	46	18	-	-	PUNCT
ajbmeb-1466	46	19	term	term	NOUN
ajbmeb-1466	46	20	stability	stability	NOUN
ajbmeb-1466	46	21	and	and	CCONJ
ajbmeb-1466	46	22	profitability	profitability	NOUN
ajbmeb-1466	46	23	.	.	PUNCT
ajbmeb-1466	47	1	this	this	PRON
ajbmeb-1466	47	2	has	have	AUX
ajbmeb-1466	47	3	been	be	AUX
ajbmeb-1466	47	4	widely	widely	ADV
ajbmeb-1466	47	5	observed	observe	VERB
ajbmeb-1466	47	6	in	in	ADP
ajbmeb-1466	47	7	research	research	NOUN
ajbmeb-1466	47	8	,	,	PUNCT
ajbmeb-1466	47	9	especially	especially	ADV
ajbmeb-1466	47	10	after	after	ADP
ajbmeb-1466	47	11	the	the	DET
ajbmeb-1466	47	12	2008	2008	NUM
ajbmeb-1466	47	13	financial	financial	ADJ
ajbmeb-1466	47	14	crisis	crisis	NOUN
ajbmeb-1466	47	15	.	.	PUNCT
ajbmeb-1466	48	1	there	there	PRON
ajbmeb-1466	48	2	is	be	VERB
ajbmeb-1466	48	3	a	a	DET
ajbmeb-1466	48	4	positive	positive	ADJ
ajbmeb-1466	48	5	and	and	CCONJ
ajbmeb-1466	48	6	statistically	statistically	ADV
ajbmeb-1466	48	7	significant	significant	ADJ
ajbmeb-1466	48	8	relationship	relationship	NOUN
ajbmeb-1466	48	9	between	between	ADP
ajbmeb-1466	48	10	stocks	stock	NOUN
ajbmeb-1466	48	11	(	(	PUNCT
ajbmeb-1466	48	12	s	s	NOUN
ajbmeb-1466	48	13	)	)	PUNCT
ajbmeb-1466	48	14	and	and	CCONJ
ajbmeb-1466	48	15	roa	roa	PROPN
ajbmeb-1466	48	16	(	(	PUNCT
ajbmeb-1466	48	17	return	return	VERB
ajbmeb-1466	48	18	on	on	ADP
ajbmeb-1466	48	19	assets	asset	NOUN
ajbmeb-1466	48	20	)	)	PUNCT
ajbmeb-1466	48	21	(	(	PUNCT
ajbmeb-1466	48	22	p	p	X
ajbmeb-1466	48	23	=	=	NOUN
ajbmeb-1466	48	24	0.037	0.037	NUM
ajbmeb-1466	48	25	)	)	PUNCT
ajbmeb-1466	48	26	.	.	PUNCT
ajbmeb-1466	49	1	this	this	PRON
ajbmeb-1466	49	2	means	mean	VERB
ajbmeb-1466	49	3	that	that	SCONJ
ajbmeb-1466	49	4	investing	invest	VERB
ajbmeb-1466	49	5	in	in	ADP
ajbmeb-1466	49	6	stocks	stock	NOUN
ajbmeb-1466	49	7	increases	increase	VERB
ajbmeb-1466	49	8	profitability	profitability	NOUN
ajbmeb-1466	49	9	.	.	PUNCT
ajbmeb-1466	50	1	this	this	DET
ajbmeb-1466	50	2	result	result	NOUN
ajbmeb-1466	50	3	is	be	AUX
ajbmeb-1466	50	4	consistent	consistent	ADJ
ajbmeb-1466	50	5	with	with	ADP
ajbmeb-1466	50	6	previous	previous	ADJ
ajbmeb-1466	50	7	studies	study	NOUN
ajbmeb-1466	50	8	,	,	PUNCT
ajbmeb-1466	50	9	confirming	confirm	VERB
ajbmeb-1466	50	10	that	that	SCONJ
ajbmeb-1466	50	11	income	income	NOUN
ajbmeb-1466	50	12	from	from	ADP
ajbmeb-1466	50	13	stocks	stock	NOUN
ajbmeb-1466	50	14	is	be	AUX
ajbmeb-1466	50	15	a	a	DET
ajbmeb-1466	50	16	reliable	reliable	ADJ
ajbmeb-1466	50	17	source	source	NOUN
ajbmeb-1466	50	18	of	of	ADP
ajbmeb-1466	50	19	non	non	ADJ
ajbmeb-1466	50	20	-	-	ADJ
ajbmeb-1466	50	21	interest	interest	ADJ
ajbmeb-1466	50	22	income	income	NOUN
ajbmeb-1466	50	23	during	during	ADP
ajbmeb-1466	50	24	periods	period	NOUN
ajbmeb-1466	50	25	of	of	ADP
ajbmeb-1466	50	26	low	low	ADJ
ajbmeb-1466	50	27	demand	demand	NOUN
ajbmeb-1466	50	28	for	for	ADP
ajbmeb-1466	50	29	credit	credit	NOUN
ajbmeb-1466	50	30	.	.	PUNCT
ajbmeb-1466	51	1	on	on	ADP
ajbmeb-1466	51	2	the	the	DET
ajbmeb-1466	51	3	other	other	ADJ
ajbmeb-1466	51	4	hand	hand	NOUN
ajbmeb-1466	51	5	,	,	PUNCT
ajbmeb-1466	51	6	total	total	ADJ
ajbmeb-1466	51	7	investments	investment	NOUN
ajbmeb-1466	51	8	(	(	PUNCT
ajbmeb-1466	51	9	ti	ti	NOUN
ajbmeb-1466	51	10	)	)	PUNCT
ajbmeb-1466	51	11	have	have	VERB
ajbmeb-1466	51	12	a	a	DET
ajbmeb-1466	51	13	negative	negative	ADJ
ajbmeb-1466	51	14	and	and	CCONJ
ajbmeb-1466	51	15	statistically	statistically	ADV
ajbmeb-1466	51	16	significant	significant	ADJ
ajbmeb-1466	51	17	effect	effect	NOUN
ajbmeb-1466	51	18	on	on	ADP
ajbmeb-1466	51	19	roa	roa	PROPN
ajbmeb-1466	51	20	.	.	PUNCT
ajbmeb-1466	52	1	this	this	DET
ajbmeb-1466	52	2	result	result	NOUN
ajbmeb-1466	52	3	is	be	AUX
ajbmeb-1466	52	4	in	in	ADP
ajbmeb-1466	52	5	contradiction	contradiction	NOUN
ajbmeb-1466	52	6	with	with	ADP
ajbmeb-1466	52	7	some	some	DET
ajbmeb-1466	52	8	previous	previous	ADJ
ajbmeb-1466	52	9	studies	study	NOUN
ajbmeb-1466	52	10	,	,	PUNCT
ajbmeb-1466	52	11	since	since	SCONJ
ajbmeb-1466	52	12	in	in	ADP
ajbmeb-1466	52	13	many	many	ADJ
ajbmeb-1466	52	14	scientific	scientific	ADJ
ajbmeb-1466	52	15	studies	study	NOUN
ajbmeb-1466	52	16	,	,	PUNCT
ajbmeb-1466	52	17	an	an	DET
ajbmeb-1466	52	18	increase	increase	NOUN
ajbmeb-1466	52	19	in	in	ADP
ajbmeb-1466	52	20	the	the	DET
ajbmeb-1466	52	21	volume	volume	NOUN
ajbmeb-1466	52	22	of	of	ADP
ajbmeb-1466	52	23	investments	investment	NOUN
ajbmeb-1466	52	24	was	be	AUX
ajbmeb-1466	52	25	considered	consider	VERB
ajbmeb-1466	52	26	to	to	PART
ajbmeb-1466	52	27	be	be	AUX
ajbmeb-1466	52	28	positively	positively	ADV
ajbmeb-1466	52	29	related	relate	VERB
ajbmeb-1466	52	30	to	to	ADP
ajbmeb-1466	52	31	profitability	profitability	NOUN
ajbmeb-1466	52	32	.	.	PUNCT
ajbmeb-1466	53	1	however	however	ADV
ajbmeb-1466	53	2	,	,	PUNCT
ajbmeb-1466	53	3	a	a	DET
ajbmeb-1466	53	4	negative	negative	ADJ
ajbmeb-1466	53	5	relationship	relationship	NOUN
ajbmeb-1466	53	6	could	could	AUX
ajbmeb-1466	53	7	indicate	indicate	VERB
ajbmeb-1466	53	8	a	a	DET
ajbmeb-1466	53	9	misallocation	misallocation	NOUN
ajbmeb-1466	53	10	of	of	ADP
ajbmeb-1466	53	11	investments	investment	NOUN
ajbmeb-1466	53	12	or	or	CCONJ
ajbmeb-1466	53	13	a	a	DET
ajbmeb-1466	53	14	decrease	decrease	NOUN
ajbmeb-1466	53	15	in	in	ADP
ajbmeb-1466	53	16	profitability	profitability	NOUN
ajbmeb-1466	53	17	(	(	PUNCT
ajbmeb-1466	53	18	diminishing	diminish	VERB
ajbmeb-1466	53	19	returns	return	NOUN
ajbmeb-1466	53	20	)	)	PUNCT
ajbmeb-1466	53	21	due	due	ADP
ajbmeb-1466	53	22	to	to	ADP
ajbmeb-1466	53	23	overinvestment	overinvestment	ADJ
ajbmeb-1466	53	24	.	.	PUNCT
ajbmeb-1466	54	1	american	american	ADJ
ajbmeb-1466	54	2	journal	journal	PROPN
ajbmeb-1466	54	3	of	of	ADP
ajbmeb-1466	54	4	business	business	NOUN
ajbmeb-1466	54	5	management	management	NOUN
ajbmeb-1466	54	6	,	,	PUNCT
ajbmeb-1466	54	7	economics	economic	NOUN
ajbmeb-1466	54	8	and	and	CCONJ
ajbmeb-1466	54	9	banking	banking	NOUN
ajbmeb-1466	54	10	volume	volume	NOUN
ajbmeb-1466	54	11	39	39	NUM
ajbmeb-1466	54	12	august2025	august2025	PROPN
ajbmeb-1466	54	13	p	p	NOUN
ajbmeb-1466	54	14	a	a	DET
ajbmeb-1466	54	15	g	g	NOUN
ajbmeb-1466	54	16	e	e	NOUN
ajbmeb-1466	55	1	|	|	NOUN
ajbmeb-1466	55	2	12	12	NUM
ajbmeb-1466	55	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	55	4	other	other	ADJ
ajbmeb-1466	55	5	variables	variable	NOUN
ajbmeb-1466	55	6	–	–	PUNCT
ajbmeb-1466	55	7	total	total	ADJ
ajbmeb-1466	55	8	assets	asset	NOUN
ajbmeb-1466	55	9	with	with	ADP
ajbmeb-1466	55	10	other	other	ADJ
ajbmeb-1466	55	11	banks	bank	NOUN
ajbmeb-1466	55	12	(	(	PUNCT
ajbmeb-1466	55	13	tfob	tfob	NOUN
ajbmeb-1466	55	14	)	)	PUNCT
ajbmeb-1466	55	15	,	,	PUNCT
ajbmeb-1466	55	16	loans	loan	NOUN
ajbmeb-1466	55	17	and	and	CCONJ
ajbmeb-1466	55	18	leasing	leasing	NOUN
ajbmeb-1466	55	19	(	(	PUNCT
ajbmeb-1466	55	20	cal	cal	ADJ
ajbmeb-1466	55	21	)	)	PUNCT
ajbmeb-1466	55	22	,	,	PUNCT
ajbmeb-1466	55	23	and	and	CCONJ
ajbmeb-1466	55	24	customer	customer	NOUN
ajbmeb-1466	55	25	liabilities	liability	NOUN
ajbmeb-1466	55	26	ratio	ratio	NOUN
ajbmeb-1466	55	27	(	(	PUNCT
ajbmeb-1466	55	28	levr	levr	PROPN
ajbmeb-1466	55	29	)	)	PUNCT
ajbmeb-1466	55	30	–	–	PUNCT
ajbmeb-1466	55	31	do	do	AUX
ajbmeb-1466	55	32	not	not	PART
ajbmeb-1466	55	33	show	show	VERB
ajbmeb-1466	55	34	a	a	DET
ajbmeb-1466	55	35	statistically	statistically	ADV
ajbmeb-1466	55	36	significant	significant	ADJ
ajbmeb-1466	55	37	relationship	relationship	NOUN
ajbmeb-1466	55	38	with	with	ADP
ajbmeb-1466	55	39	roa	roa	PROPN
ajbmeb-1466	55	40	.	.	PUNCT
ajbmeb-1466	56	1	this	this	PRON
ajbmeb-1466	56	2	suggests	suggest	VERB
ajbmeb-1466	56	3	that	that	SCONJ
ajbmeb-1466	56	4	these	these	DET
ajbmeb-1466	56	5	indicators	indicator	NOUN
ajbmeb-1466	56	6	are	be	AUX
ajbmeb-1466	56	7	not	not	PART
ajbmeb-1466	56	8	important	important	ADJ
ajbmeb-1466	56	9	in	in	ADP
ajbmeb-1466	56	10	explaining	explain	VERB
ajbmeb-1466	56	11	changes	change	NOUN
ajbmeb-1466	56	12	in	in	ADP
ajbmeb-1466	56	13	profitability	profitability	NOUN
ajbmeb-1466	56	14	in	in	ADP
ajbmeb-1466	56	15	this	this	DET
ajbmeb-1466	56	16	model	model	NOUN
ajbmeb-1466	56	17	and	and	CCONJ
ajbmeb-1466	56	18	the	the	DET
ajbmeb-1466	56	19	selected	select	VERB
ajbmeb-1466	56	20	sample	sample	NOUN
ajbmeb-1466	56	21	.	.	PUNCT
ajbmeb-1466	57	1	these	these	DET
ajbmeb-1466	57	2	results	result	NOUN
ajbmeb-1466	57	3	are	be	AUX
ajbmeb-1466	57	4	reminiscent	reminiscent	ADJ
ajbmeb-1466	57	5	of	of	ADP
ajbmeb-1466	57	6	the	the	DET
ajbmeb-1466	57	7	conflicting	conflict	VERB
ajbmeb-1466	57	8	evidence	evidence	NOUN
ajbmeb-1466	57	9	in	in	ADP
ajbmeb-1466	57	10	the	the	DET
ajbmeb-1466	57	11	literature	literature	NOUN
ajbmeb-1466	57	12	on	on	ADP
ajbmeb-1466	57	13	levr	levr	PROPN
ajbmeb-1466	57	14	–	–	PUNCT
ajbmeb-1466	57	15	that	that	SCONJ
ajbmeb-1466	57	16	levr	levr	PROPN
ajbmeb-1466	57	17	has	have	VERB
ajbmeb-1466	57	18	different	different	ADJ
ajbmeb-1466	57	19	effects	effect	NOUN
ajbmeb-1466	57	20	in	in	ADP
ajbmeb-1466	57	21	different	different	ADJ
ajbmeb-1466	57	22	contexts	context	NOUN
ajbmeb-1466	57	23	and	and	CCONJ
ajbmeb-1466	57	24	countries	country	NOUN
ajbmeb-1466	57	25	.	.	PUNCT
ajbmeb-1466	58	1	also	also	ADV
ajbmeb-1466	58	2	,	,	PUNCT
ajbmeb-1466	58	3	the	the	DET
ajbmeb-1466	58	4	liquidity	liquidity	NOUN
ajbmeb-1466	58	5	ratio	ratio	NOUN
ajbmeb-1466	58	6	(	(	PUNCT
ajbmeb-1466	58	7	liqr	liqr	NOUN
ajbmeb-1466	58	8	)	)	PUNCT
ajbmeb-1466	58	9	is	be	AUX
ajbmeb-1466	58	10	strongly	strongly	ADV
ajbmeb-1466	58	11	negatively	negatively	ADV
ajbmeb-1466	58	12	related	relate	VERB
ajbmeb-1466	58	13	to	to	ADP
ajbmeb-1466	58	14	roa	roa	PROPN
ajbmeb-1466	58	15	,	,	PUNCT
ajbmeb-1466	58	16	which	which	PRON
ajbmeb-1466	58	17	is	be	AUX
ajbmeb-1466	58	18	an	an	DET
ajbmeb-1466	58	19	intuitively	intuitively	ADV
ajbmeb-1466	58	20	unexpected	unexpected	ADJ
ajbmeb-1466	58	21	result	result	NOUN
ajbmeb-1466	58	22	.	.	PUNCT
ajbmeb-1466	59	1	that	that	PRON
ajbmeb-1466	59	2	is	is	ADV
ajbmeb-1466	59	3	,	,	PUNCT
ajbmeb-1466	59	4	it	it	PRON
ajbmeb-1466	59	5	means	mean	VERB
ajbmeb-1466	59	6	that	that	SCONJ
ajbmeb-1466	59	7	holding	hold	VERB
ajbmeb-1466	59	8	liquidity	liquidity	NOUN
ajbmeb-1466	59	9	reserves	reserve	NOUN
ajbmeb-1466	59	10	above	above	ADP
ajbmeb-1466	59	11	the	the	DET
ajbmeb-1466	59	12	optimal	optimal	ADJ
ajbmeb-1466	59	13	level	level	NOUN
ajbmeb-1466	59	14	leads	lead	VERB
ajbmeb-1466	59	15	to	to	ADP
ajbmeb-1466	59	16	underutilization	underutilization	NOUN
ajbmeb-1466	59	17	of	of	ADP
ajbmeb-1466	59	18	resources	resource	NOUN
ajbmeb-1466	59	19	and	and	CCONJ
ajbmeb-1466	59	20	,	,	PUNCT
ajbmeb-1466	59	21	as	as	ADP
ajbmeb-1466	59	22	a	a	DET
ajbmeb-1466	59	23	result	result	NOUN
ajbmeb-1466	59	24	,	,	PUNCT
ajbmeb-1466	59	25	lower	low	ADJ
ajbmeb-1466	59	26	profitability	profitability	NOUN
ajbmeb-1466	59	27	.	.	PUNCT
ajbmeb-1466	60	1	this	this	PRON
ajbmeb-1466	60	2	is	be	AUX
ajbmeb-1466	60	3	consistent	consistent	ADJ
ajbmeb-1466	60	4	with	with	ADP
ajbmeb-1466	60	5	the	the	DET
ajbmeb-1466	60	6	trade	trade	NOUN
ajbmeb-1466	60	7	-	-	PUNCT
ajbmeb-1466	60	8	off	off	ADP
ajbmeb-1466	60	9	theory	theory	NOUN
ajbmeb-1466	60	10	of	of	ADP
ajbmeb-1466	60	11	liquidity	liquidity	NOUN
ajbmeb-1466	60	12	management	management	NOUN
ajbmeb-1466	60	13	,	,	PUNCT
ajbmeb-1466	60	14	which	which	PRON
ajbmeb-1466	60	15	suggests	suggest	VERB
ajbmeb-1466	60	16	that	that	SCONJ
ajbmeb-1466	60	17	overly	overly	ADV
ajbmeb-1466	60	18	cautious	cautious	ADJ
ajbmeb-1466	60	19	policies	policy	NOUN
ajbmeb-1466	60	20	can	can	AUX
ajbmeb-1466	60	21	reduce	reduce	VERB
ajbmeb-1466	60	22	profitability	profitability	NOUN
ajbmeb-1466	60	23	.	.	PUNCT
ajbmeb-1466	61	1	these	these	DET
ajbmeb-1466	61	2	results	result	NOUN
ajbmeb-1466	61	3	,	,	PUNCT
ajbmeb-1466	61	4	determined	determine	VERB
ajbmeb-1466	61	5	based	base	VERB
ajbmeb-1466	61	6	on	on	ADP
ajbmeb-1466	61	7	the	the	DET
ajbmeb-1466	61	8	fe	fe	PROPN
ajbmeb-1466	61	9	model	model	NOUN
ajbmeb-1466	61	10	,	,	PUNCT
ajbmeb-1466	61	11	allow	allow	VERB
ajbmeb-1466	61	12	for	for	ADP
ajbmeb-1466	61	13	a	a	DET
ajbmeb-1466	61	14	deeper	deep	ADJ
ajbmeb-1466	61	15	understanding	understanding	NOUN
ajbmeb-1466	61	16	of	of	ADP
ajbmeb-1466	61	17	the	the	DET
ajbmeb-1466	61	18	financial	financial	ADJ
ajbmeb-1466	61	19	factors	factor	NOUN
ajbmeb-1466	61	20	that	that	PRON
ajbmeb-1466	61	21	affect	affect	VERB
ajbmeb-1466	61	22	bank	bank	NOUN
ajbmeb-1466	61	23	profitability	profitability	NOUN
ajbmeb-1466	61	24	through	through	ADP
ajbmeb-1466	61	25	roa	roa	PROPN
ajbmeb-1466	61	26	(	(	PUNCT
ajbmeb-1466	61	27	return	return	VERB
ajbmeb-1466	61	28	on	on	ADP
ajbmeb-1466	61	29	assets	asset	NOUN
ajbmeb-1466	61	30	)	)	PUNCT
ajbmeb-1466	61	31	.	.	PUNCT
ajbmeb-1466	62	1	in	in	ADP
ajbmeb-1466	62	2	particular	particular	ADJ
ajbmeb-1466	62	3	,	,	PUNCT
ajbmeb-1466	62	4	the	the	DET
ajbmeb-1466	62	5	positive	positive	ADJ
ajbmeb-1466	62	6	and	and	CCONJ
ajbmeb-1466	62	7	significant	significant	ADJ
ajbmeb-1466	62	8	impact	impact	NOUN
ajbmeb-1466	62	9	of	of	ADP
ajbmeb-1466	62	10	cash	cash	NOUN
ajbmeb-1466	62	11	assets	asset	NOUN
ajbmeb-1466	62	12	(	(	PUNCT
ajbmeb-1466	62	13	ca	ca	NOUN
ajbmeb-1466	62	14	)	)	PUNCT
ajbmeb-1466	62	15	on	on	ADP
ajbmeb-1466	62	16	roa	roa	PROPN
ajbmeb-1466	62	17	indicates	indicate	VERB
ajbmeb-1466	62	18	that	that	SCONJ
ajbmeb-1466	62	19	banks	bank	NOUN
ajbmeb-1466	62	20	have	have	VERB
ajbmeb-1466	62	21	a	a	DET
ajbmeb-1466	62	22	stronger	strong	ADJ
ajbmeb-1466	62	23	ability	ability	NOUN
ajbmeb-1466	62	24	to	to	PART
ajbmeb-1466	62	25	cover	cover	VERB
ajbmeb-1466	62	26	short	short	ADJ
ajbmeb-1466	62	27	-	-	PUNCT
ajbmeb-1466	62	28	term	term	NOUN
ajbmeb-1466	62	29	liabilities	liability	NOUN
ajbmeb-1466	62	30	,	,	PUNCT
ajbmeb-1466	62	31	respond	respond	VERB
ajbmeb-1466	62	32	to	to	ADP
ajbmeb-1466	62	33	unexpected	unexpected	ADJ
ajbmeb-1466	62	34	expenses	expense	NOUN
ajbmeb-1466	62	35	,	,	PUNCT
ajbmeb-1466	62	36	and	and	CCONJ
ajbmeb-1466	62	37	reduce	reduce	VERB
ajbmeb-1466	62	38	risk	risk	NOUN
ajbmeb-1466	62	39	.	.	PUNCT
ajbmeb-1466	63	1	this	this	PRON
ajbmeb-1466	63	2	contributes	contribute	VERB
ajbmeb-1466	63	3	to	to	ADP
ajbmeb-1466	63	4	the	the	DET
ajbmeb-1466	63	5	sustainability	sustainability	NOUN
ajbmeb-1466	63	6	of	of	ADP
ajbmeb-1466	63	7	profitability	profitability	NOUN
ajbmeb-1466	63	8	.	.	PUNCT
ajbmeb-1466	64	1	this	this	DET
ajbmeb-1466	64	2	view	view	NOUN
ajbmeb-1466	64	3	was	be	AUX
ajbmeb-1466	64	4	advanced	advance	VERB
ajbmeb-1466	64	5	by	by	ADP
ajbmeb-1466	64	6	bourke	bourke	PROPN
ajbmeb-1466	64	7	and	and	CCONJ
ajbmeb-1466	64	8	molyneux	molyneux	PROPN
ajbmeb-1466	64	9	&	&	CCONJ
ajbmeb-1466	64	10	thornton[6,7	thornton[6,7	PROPN
ajbmeb-1466	64	11	]	]	PUNCT
ajbmeb-1466	64	12	and	and	CCONJ
ajbmeb-1466	64	13	has	have	AUX
ajbmeb-1466	64	14	been	be	AUX
ajbmeb-1466	64	15	confirmed	confirm	VERB
ajbmeb-1466	64	16	in	in	ADP
ajbmeb-1466	64	17	recent	recent	ADJ
ajbmeb-1466	64	18	studies	study	NOUN
ajbmeb-1466	64	19	by	by	ADP
ajbmeb-1466	64	20	dietrich	dietrich	PROPN
ajbmeb-1466	64	21	and	and	CCONJ
ajbmeb-1466	64	22	wanzenried	wanzenrie	VERB
ajbmeb-1466	64	23	and	and	CCONJ
ajbmeb-1466	64	24	ahamed[8,9	ahamed[8,9	PROPN
ajbmeb-1466	65	1	]	]	X
ajbmeb-1466	65	2	:	:	PUNCT
ajbmeb-1466	65	3	banks	bank	NOUN
ajbmeb-1466	65	4	with	with	ADP
ajbmeb-1466	65	5	strong	strong	ADJ
ajbmeb-1466	65	6	liquidity	liquidity	NOUN
ajbmeb-1466	65	7	positions	position	NOUN
ajbmeb-1466	65	8	have	have	AUX
ajbmeb-1466	65	9	achieved	achieve	VERB
ajbmeb-1466	65	10	higher	high	ADJ
ajbmeb-1466	65	11	profitability	profitability	NOUN
ajbmeb-1466	65	12	,	,	PUNCT
ajbmeb-1466	65	13	especially	especially	ADV
ajbmeb-1466	65	14	during	during	ADP
ajbmeb-1466	65	15	and	and	CCONJ
ajbmeb-1466	65	16	after	after	ADP
ajbmeb-1466	65	17	financial	financial	ADJ
ajbmeb-1466	65	18	crises	crisis	NOUN
ajbmeb-1466	65	19	.	.	PUNCT
ajbmeb-1466	66	1	the	the	DET
ajbmeb-1466	66	2	result	result	NOUN
ajbmeb-1466	66	3	for	for	ADP
ajbmeb-1466	66	4	central	central	ADJ
ajbmeb-1466	66	5	bank	bank	NOUN
ajbmeb-1466	66	6	funds	fund	NOUN
ajbmeb-1466	66	7	(	(	PUNCT
ajbmeb-1466	66	8	cbf	cbf	PROPN
ajbmeb-1466	66	9	)	)	PUNCT
ajbmeb-1466	66	10	is	be	AUX
ajbmeb-1466	66	11	positive	positive	ADJ
ajbmeb-1466	66	12	and	and	CCONJ
ajbmeb-1466	66	13	marginally	marginally	ADV
ajbmeb-1466	66	14	significant	significant	ADJ
ajbmeb-1466	66	15	,	,	PUNCT
ajbmeb-1466	66	16	which	which	PRON
ajbmeb-1466	66	17	means	mean	VERB
ajbmeb-1466	66	18	that	that	SCONJ
ajbmeb-1466	66	19	access	access	NOUN
ajbmeb-1466	66	20	to	to	ADP
ajbmeb-1466	66	21	central	central	ADJ
ajbmeb-1466	66	22	bank	bank	NOUN
ajbmeb-1466	66	23	financing	financing	NOUN
ajbmeb-1466	66	24	can	can	AUX
ajbmeb-1466	66	25	increase	increase	VERB
ajbmeb-1466	66	26	short	short	ADJ
ajbmeb-1466	66	27	-	-	PUNCT
ajbmeb-1466	66	28	term	term	NOUN
ajbmeb-1466	66	29	returns	return	NOUN
ajbmeb-1466	66	30	.	.	PUNCT
ajbmeb-1466	67	1	this	this	PRON
ajbmeb-1466	67	2	is	be	AUX
ajbmeb-1466	67	3	especially	especially	ADV
ajbmeb-1466	67	4	important	important	ADJ
ajbmeb-1466	67	5	in	in	ADP
ajbmeb-1466	67	6	light	light	NOUN
ajbmeb-1466	67	7	of	of	ADP
ajbmeb-1466	67	8	the	the	DET
ajbmeb-1466	67	9	monetary	monetary	ADJ
ajbmeb-1466	67	10	policy	policy	NOUN
ajbmeb-1466	67	11	pursued	pursue	VERB
ajbmeb-1466	67	12	by	by	ADP
ajbmeb-1466	67	13	central	central	ADJ
ajbmeb-1466	67	14	banks	bank	NOUN
ajbmeb-1466	67	15	in	in	ADP
ajbmeb-1466	67	16	recent	recent	ADJ
ajbmeb-1466	67	17	years	year	NOUN
ajbmeb-1466	67	18	.	.	PUNCT
ajbmeb-1466	68	1	for	for	ADP
ajbmeb-1466	68	2	example	example	NOUN
ajbmeb-1466	68	3	,	,	PUNCT
ajbmeb-1466	68	4	hashem[10	hashem[10	CCONJ
ajbmeb-1466	68	5	]	]	PUNCT
ajbmeb-1466	68	6	found	find	VERB
ajbmeb-1466	68	7	that	that	SCONJ
ajbmeb-1466	68	8	banks	bank	NOUN
ajbmeb-1466	68	9	’	'	PUNCT
ajbmeb-1466	68	10	access	access	NOUN
ajbmeb-1466	68	11	to	to	ADP
ajbmeb-1466	68	12	central	central	ADJ
ajbmeb-1466	68	13	bank	bank	NOUN
ajbmeb-1466	68	14	funds	fund	NOUN
ajbmeb-1466	68	15	during	during	ADP
ajbmeb-1466	68	16	the	the	DET
ajbmeb-1466	68	17	covid-19	covid-19	PROPN
ajbmeb-1466	68	18	pandemic	pandemic	NOUN
ajbmeb-1466	68	19	helped	help	VERB
ajbmeb-1466	68	20	them	they	PRON
ajbmeb-1466	68	21	maintain	maintain	VERB
ajbmeb-1466	68	22	their	their	PRON
ajbmeb-1466	68	23	earnings	earning	NOUN
ajbmeb-1466	68	24	and	and	CCONJ
ajbmeb-1466	68	25	capital	capital	NOUN
ajbmeb-1466	68	26	reserves	reserve	NOUN
ajbmeb-1466	68	27	.	.	PUNCT
ajbmeb-1466	69	1	equity	equity	NOUN
ajbmeb-1466	69	2	(	(	PUNCT
ajbmeb-1466	69	3	s	s	X
ajbmeb-1466	69	4	)	)	PUNCT
ajbmeb-1466	69	5	is	be	AUX
ajbmeb-1466	69	6	positively	positively	ADV
ajbmeb-1466	69	7	and	and	CCONJ
ajbmeb-1466	69	8	significantly	significantly	ADV
ajbmeb-1466	69	9	related	relate	VERB
ajbmeb-1466	69	10	to	to	ADP
ajbmeb-1466	69	11	roa	roa	PROPN
ajbmeb-1466	69	12	.	.	PUNCT
ajbmeb-1466	70	1	this	this	DET
ajbmeb-1466	70	2	result	result	NOUN
ajbmeb-1466	70	3	further	far	ADV
ajbmeb-1466	70	4	confirms	confirm	VERB
ajbmeb-1466	70	5	that	that	SCONJ
ajbmeb-1466	70	6	non	non	ADJ
ajbmeb-1466	70	7	-	-	ADJ
ajbmeb-1466	70	8	interest	interest	ADJ
ajbmeb-1466	70	9	income	income	NOUN
ajbmeb-1466	70	10	from	from	ADP
ajbmeb-1466	70	11	investments	investment	NOUN
ajbmeb-1466	70	12	has	have	VERB
ajbmeb-1466	70	13	a	a	DET
ajbmeb-1466	70	14	positive	positive	ADJ
ajbmeb-1466	70	15	impact	impact	NOUN
ajbmeb-1466	70	16	on	on	ADP
ajbmeb-1466	70	17	bank	bank	NOUN
ajbmeb-1466	70	18	profitability	profitability	NOUN
ajbmeb-1466	70	19	.	.	PUNCT
ajbmeb-1466	71	1	this	this	DET
ajbmeb-1466	71	2	relationship	relationship	NOUN
ajbmeb-1466	71	3	is	be	AUX
ajbmeb-1466	71	4	supported	support	VERB
ajbmeb-1466	71	5	by	by	ADP
ajbmeb-1466	71	6	the	the	DET
ajbmeb-1466	71	7	increasing	increase	VERB
ajbmeb-1466	71	8	role	role	NOUN
ajbmeb-1466	71	9	of	of	ADP
ajbmeb-1466	71	10	financial	financial	ADJ
ajbmeb-1466	71	11	securities	security	NOUN
ajbmeb-1466	71	12	in	in	ADP
ajbmeb-1466	71	13	modern	modern	ADJ
ajbmeb-1466	71	14	banking	banking	NOUN
ajbmeb-1466	71	15	systems	system	NOUN
ajbmeb-1466	71	16	,	,	PUNCT
ajbmeb-1466	71	17	especially	especially	ADV
ajbmeb-1466	71	18	in	in	ADP
ajbmeb-1466	71	19	the	the	DET
ajbmeb-1466	71	20	context	context	NOUN
ajbmeb-1466	71	21	of	of	ADP
ajbmeb-1466	71	22	low	low	ADJ
ajbmeb-1466	71	23	interest	interest	NOUN
ajbmeb-1466	71	24	rates	rate	NOUN
ajbmeb-1466	71	25	and	and	CCONJ
ajbmeb-1466	71	26	diversification	diversification	NOUN
ajbmeb-1466	71	27	of	of	ADP
ajbmeb-1466	71	28	income	income	NOUN
ajbmeb-1466	71	29	sources	source	NOUN
ajbmeb-1466	71	30	.	.	PUNCT
ajbmeb-1466	72	1	however	however	ADV
ajbmeb-1466	72	2	,	,	PUNCT
ajbmeb-1466	72	3	total	total	ADJ
ajbmeb-1466	72	4	investment	investment	NOUN
ajbmeb-1466	72	5	(	(	PUNCT
ajbmeb-1466	72	6	ti	ti	NOUN
ajbmeb-1466	72	7	)	)	PUNCT
ajbmeb-1466	72	8	has	have	VERB
ajbmeb-1466	72	9	a	a	DET
ajbmeb-1466	72	10	negative	negative	ADJ
ajbmeb-1466	72	11	and	and	CCONJ
ajbmeb-1466	72	12	statistically	statistically	ADV
ajbmeb-1466	72	13	significant	significant	ADJ
ajbmeb-1466	72	14	effect	effect	NOUN
ajbmeb-1466	72	15	on	on	ADP
ajbmeb-1466	72	16	roa	roa	PROPN
ajbmeb-1466	72	17	.	.	PUNCT
ajbmeb-1466	73	1	this	this	PRON
ajbmeb-1466	73	2	means	mean	VERB
ajbmeb-1466	73	3	that	that	SCONJ
ajbmeb-1466	73	4	excessive	excessive	ADJ
ajbmeb-1466	73	5	or	or	CCONJ
ajbmeb-1466	73	6	ineffective	ineffective	ADJ
ajbmeb-1466	73	7	investment	investment	NOUN
ajbmeb-1466	73	8	can	can	AUX
ajbmeb-1466	73	9	lead	lead	VERB
ajbmeb-1466	73	10	to	to	ADP
ajbmeb-1466	73	11	a	a	DET
ajbmeb-1466	73	12	decrease	decrease	NOUN
ajbmeb-1466	73	13	in	in	ADP
ajbmeb-1466	73	14	bank	bank	NOUN
ajbmeb-1466	73	15	profitability	profitability	NOUN
ajbmeb-1466	73	16	.	.	PUNCT
ajbmeb-1466	74	1	although	although	SCONJ
ajbmeb-1466	74	2	this	this	DET
ajbmeb-1466	74	3	finding	finding	NOUN
ajbmeb-1466	74	4	contradicts	contradict	VERB
ajbmeb-1466	74	5	some	some	DET
ajbmeb-1466	74	6	positive	positive	ADJ
ajbmeb-1466	74	7	results	result	NOUN
ajbmeb-1466	74	8	proposed	propose	VERB
ajbmeb-1466	74	9	by	by	ADP
ajbmeb-1466	74	10	athanasoglou	athanasoglou	PROPN
ajbmeb-1466	74	11	et	et	PROPN
ajbmeb-1466	74	12	al	al	PROPN
ajbmeb-1466	74	13	.	.	PROPN
ajbmeb-1466	74	14	,	,	PUNCT
ajbmeb-1466	74	15	recent	recent	ADJ
ajbmeb-1466	74	16	studies	study	NOUN
ajbmeb-1466	74	17	confirm	confirm	VERB
ajbmeb-1466	74	18	this	this	DET
ajbmeb-1466	74	19	negative	negative	ADJ
ajbmeb-1466	74	20	effect	effect	NOUN
ajbmeb-1466	74	21	.	.	PUNCT
ajbmeb-1466	75	1	for	for	ADP
ajbmeb-1466	75	2	example	example	NOUN
ajbmeb-1466	75	3	,	,	PUNCT
ajbmeb-1466	75	4	djalilov	djalilov	VERB
ajbmeb-1466	75	5	and	and	CCONJ
ajbmeb-1466	75	6	piesse[11,12	piesse[11,12	PROPN
ajbmeb-1466	75	7	]	]	PUNCT
ajbmeb-1466	75	8	found	find	VERB
ajbmeb-1466	75	9	that	that	SCONJ
ajbmeb-1466	75	10	investment	investment	NOUN
ajbmeb-1466	75	11	-	-	PUNCT
ajbmeb-1466	75	12	based	base	VERB
ajbmeb-1466	75	13	growth	growth	NOUN
ajbmeb-1466	75	14	in	in	ADP
ajbmeb-1466	75	15	banks	bank	NOUN
ajbmeb-1466	75	16	in	in	ADP
ajbmeb-1466	75	17	developing	develop	VERB
ajbmeb-1466	75	18	countries	country	NOUN
ajbmeb-1466	75	19	often	often	ADV
ajbmeb-1466	75	20	leads	lead	VERB
ajbmeb-1466	75	21	to	to	ADP
ajbmeb-1466	75	22	high	high	ADJ
ajbmeb-1466	75	23	risk	risk	NOUN
ajbmeb-1466	75	24	and	and	CCONJ
ajbmeb-1466	75	25	low	low	ADJ
ajbmeb-1466	75	26	returns	return	NOUN
ajbmeb-1466	75	27	due	due	ADJ
ajbmeb-1466	75	28	to	to	ADP
ajbmeb-1466	75	29	weak	weak	ADJ
ajbmeb-1466	75	30	management	management	NOUN
ajbmeb-1466	75	31	and	and	CCONJ
ajbmeb-1466	75	32	inefficient	inefficient	ADJ
ajbmeb-1466	75	33	capital	capital	NOUN
ajbmeb-1466	75	34	allocation	allocation	NOUN
ajbmeb-1466	75	35	.	.	PUNCT
ajbmeb-1466	76	1	the	the	DET
ajbmeb-1466	76	2	liquidity	liquidity	NOUN
ajbmeb-1466	76	3	ratio	ratio	NOUN
ajbmeb-1466	76	4	(	(	PUNCT
ajbmeb-1466	76	5	liqr	liqr	NOUN
ajbmeb-1466	76	6	)	)	PUNCT
ajbmeb-1466	76	7	has	have	VERB
ajbmeb-1466	76	8	a	a	DET
ajbmeb-1466	76	9	strong	strong	ADJ
ajbmeb-1466	76	10	negative	negative	ADJ
ajbmeb-1466	76	11	relationship	relationship	NOUN
ajbmeb-1466	76	12	with	with	ADP
ajbmeb-1466	76	13	roa	roa	PROPN
ajbmeb-1466	76	14	.	.	PUNCT
ajbmeb-1466	77	1	liquidity	liquidity	NOUN
ajbmeb-1466	77	2	is	be	AUX
ajbmeb-1466	77	3	usually	usually	ADV
ajbmeb-1466	77	4	seen	see	VERB
ajbmeb-1466	77	5	as	as	ADP
ajbmeb-1466	77	6	a	a	DET
ajbmeb-1466	77	7	risk	risk	NOUN
ajbmeb-1466	77	8	-	-	PUNCT
ajbmeb-1466	77	9	reducing	reduce	VERB
ajbmeb-1466	77	10	factor	factor	NOUN
ajbmeb-1466	77	11	,	,	PUNCT
ajbmeb-1466	77	12	but	but	CCONJ
ajbmeb-1466	77	13	excessive	excessive	ADJ
ajbmeb-1466	77	14	liquidity	liquidity	NOUN
ajbmeb-1466	77	15	can	can	AUX
ajbmeb-1466	77	16	often	often	ADV
ajbmeb-1466	77	17	be	be	AUX
ajbmeb-1466	77	18	a	a	DET
ajbmeb-1466	77	19	sign	sign	NOUN
ajbmeb-1466	77	20	of	of	ADP
ajbmeb-1466	77	21	risk	risk	NOUN
ajbmeb-1466	77	22	aversion	aversion	NOUN
ajbmeb-1466	77	23	or	or	CCONJ
ajbmeb-1466	77	24	failure	failure	NOUN
ajbmeb-1466	77	25	to	to	PART
ajbmeb-1466	77	26	take	take	VERB
ajbmeb-1466	77	27	advantage	advantage	NOUN
ajbmeb-1466	77	28	of	of	ADP
ajbmeb-1466	77	29	profitable	profitable	ADJ
ajbmeb-1466	77	30	lending	lending	NOUN
ajbmeb-1466	77	31	opportunities	opportunity	NOUN
ajbmeb-1466	77	32	.	.	PUNCT
ajbmeb-1466	78	1	the	the	DET
ajbmeb-1466	78	2	debate	debate	NOUN
ajbmeb-1466	78	3	about	about	ADP
ajbmeb-1466	78	4	this	this	DET
ajbmeb-1466	78	5	trade	trade	NOUN
ajbmeb-1466	78	6	-	-	PUNCT
ajbmeb-1466	78	7	off	off	NOUN
ajbmeb-1466	78	8	has	have	AUX
ajbmeb-1466	78	9	also	also	ADV
ajbmeb-1466	78	10	been	be	AUX
ajbmeb-1466	78	11	raised	raise	VERB
ajbmeb-1466	78	12	in	in	ADP
ajbmeb-1466	78	13	modern	modern	ADJ
ajbmeb-1466	78	14	empirical	empirical	ADJ
ajbmeb-1466	78	15	research	research	NOUN
ajbmeb-1466	78	16	.	.	PUNCT
ajbmeb-1466	79	1	other	other	ADJ
ajbmeb-1466	79	2	variables	variable	NOUN
ajbmeb-1466	79	3	such	such	ADJ
ajbmeb-1466	79	4	as	as	ADP
ajbmeb-1466	79	5	credit	credit	NOUN
ajbmeb-1466	79	6	and	and	CCONJ
ajbmeb-1466	79	7	leasing	leasing	NOUN
ajbmeb-1466	79	8	(	(	PUNCT
ajbmeb-1466	79	9	cal	cal	PROPN
ajbmeb-1466	79	10	)	)	PUNCT
ajbmeb-1466	79	11	,	,	PUNCT
ajbmeb-1466	79	12	customer	customer	NOUN
ajbmeb-1466	79	13	liabilities	liability	NOUN
ajbmeb-1466	79	14	ratio	ratio	NOUN
ajbmeb-1466	79	15	(	(	PUNCT
ajbmeb-1466	79	16	levr	levr	PROPN
ajbmeb-1466	79	17	)	)	PUNCT
ajbmeb-1466	79	18	,	,	PUNCT
ajbmeb-1466	79	19	and	and	CCONJ
ajbmeb-1466	79	20	total	total	ADJ
ajbmeb-1466	79	21	funds	fund	NOUN
ajbmeb-1466	79	22	with	with	ADP
ajbmeb-1466	79	23	other	other	ADJ
ajbmeb-1466	79	24	banks	bank	NOUN
ajbmeb-1466	79	25	(	(	PUNCT
ajbmeb-1466	79	26	tfob	tfob	NOUN
ajbmeb-1466	79	27	)	)	PUNCT
ajbmeb-1466	79	28	do	do	AUX
ajbmeb-1466	79	29	not	not	PART
ajbmeb-1466	79	30	have	have	VERB
ajbmeb-1466	79	31	a	a	DET
ajbmeb-1466	79	32	statistically	statistically	ADV
ajbmeb-1466	79	33	significant	significant	ADJ
ajbmeb-1466	79	34	impact	impact	NOUN
ajbmeb-1466	79	35	on	on	ADP
ajbmeb-1466	79	36	roa	roa	PROPN
ajbmeb-1466	79	37	.	.	PUNCT
ajbmeb-1466	80	1	these	these	DET
ajbmeb-1466	80	2	results	result	NOUN
ajbmeb-1466	80	3	indicate	indicate	VERB
ajbmeb-1466	80	4	that	that	SCONJ
ajbmeb-1466	80	5	the	the	DET
ajbmeb-1466	80	6	determinants	determinant	NOUN
ajbmeb-1466	80	7	of	of	ADP
ajbmeb-1466	80	8	bank	bank	NOUN
ajbmeb-1466	80	9	profitability	profitability	NOUN
ajbmeb-1466	80	10	are	be	AUX
ajbmeb-1466	80	11	context	context	NOUN
ajbmeb-1466	80	12	-	-	PUNCT
ajbmeb-1466	80	13	dependent	dependent	ADJ
ajbmeb-1466	80	14	.	.	PUNCT
ajbmeb-1466	81	1	this	this	PRON
ajbmeb-1466	81	2	is	be	AUX
ajbmeb-1466	81	3	also	also	ADV
ajbmeb-1466	81	4	the	the	DET
ajbmeb-1466	81	5	case	case	NOUN
ajbmeb-1466	81	6	in	in	ADP
ajbmeb-1466	81	7	cross	cross	ADJ
ajbmeb-1466	81	8	-	-	ADJ
ajbmeb-1466	81	9	country	country	ADJ
ajbmeb-1466	81	10	studies	study	NOUN
ajbmeb-1466	81	11	that	that	PRON
ajbmeb-1466	81	12	have	have	AUX
ajbmeb-1466	81	13	shown	show	VERB
ajbmeb-1466	81	14	that	that	SCONJ
ajbmeb-1466	81	15	institutional	institutional	ADJ
ajbmeb-1466	81	16	and	and	CCONJ
ajbmeb-1466	81	17	regulatory	regulatory	ADJ
ajbmeb-1466	81	18	systems	system	NOUN
ajbmeb-1466	81	19	significantly	significantly	ADV
ajbmeb-1466	81	20	influence	influence	VERB
ajbmeb-1466	81	21	the	the	DET
ajbmeb-1466	81	22	relationship	relationship	NOUN
ajbmeb-1466	81	23	between	between	ADP
ajbmeb-1466	81	24	profitability	profitability	NOUN
ajbmeb-1466	81	25	and	and	CCONJ
ajbmeb-1466	81	26	levr	levr	PROPN
ajbmeb-1466	81	27	.	.	PUNCT
ajbmeb-1466	82	1	using	use	VERB
ajbmeb-1466	82	2	a	a	DET
ajbmeb-1466	82	3	fixed	fix	VERB
ajbmeb-1466	82	4	effects	effect	NOUN
ajbmeb-1466	82	5	model	model	NOUN
ajbmeb-1466	82	6	,	,	PUNCT
ajbmeb-1466	82	7	unobserved	unobserved	ADJ
ajbmeb-1466	82	8	differences	difference	NOUN
ajbmeb-1466	82	9	that	that	PRON
ajbmeb-1466	82	10	do	do	AUX
ajbmeb-1466	82	11	not	not	PART
ajbmeb-1466	82	12	change	change	VERB
ajbmeb-1466	82	13	over	over	ADP
ajbmeb-1466	82	14	time	time	NOUN
ajbmeb-1466	82	15	(	(	PUNCT
ajbmeb-1466	82	16	heterogeneity	heterogeneity	NOUN
ajbmeb-1466	82	17	)	)	PUNCT
ajbmeb-1466	82	18	were	be	AUX
ajbmeb-1466	82	19	controlled	control	VERB
ajbmeb-1466	82	20	for	for	ADP
ajbmeb-1466	82	21	,	,	PUNCT
ajbmeb-1466	82	22	which	which	PRON
ajbmeb-1466	82	23	increased	increase	VERB
ajbmeb-1466	82	24	the	the	DET
ajbmeb-1466	82	25	reliability	reliability	NOUN
ajbmeb-1466	82	26	and	and	CCONJ
ajbmeb-1466	82	27	accuracy	accuracy	NOUN
ajbmeb-1466	82	28	of	of	ADP
ajbmeb-1466	82	29	the	the	DET
ajbmeb-1466	82	30	analysis	analysis	NOUN
ajbmeb-1466	82	31	results	result	NOUN
ajbmeb-1466	82	32	.	.	PUNCT
ajbmeb-1466	83	1	american	american	ADJ
ajbmeb-1466	83	2	journal	journal	PROPN
ajbmeb-1466	83	3	of	of	ADP
ajbmeb-1466	83	4	business	business	NOUN
ajbmeb-1466	83	5	management	management	NOUN
ajbmeb-1466	83	6	,	,	PUNCT
ajbmeb-1466	83	7	economics	economic	NOUN
ajbmeb-1466	83	8	and	and	CCONJ
ajbmeb-1466	83	9	banking	banking	NOUN
ajbmeb-1466	83	10	volume	volume	NOUN
ajbmeb-1466	83	11	39	39	NUM
ajbmeb-1466	83	12	august2025	august2025	PROPN
ajbmeb-1466	83	13	p	p	NOUN
ajbmeb-1466	83	14	a	a	DET
ajbmeb-1466	83	15	g	g	NOUN
ajbmeb-1466	83	16	e	e	NOUN
ajbmeb-1466	83	17	|	|	ADV
ajbmeb-1466	83	18	13	13	NUM
ajbmeb-1466	83	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	83	20	table	table	NOUN
ajbmeb-1466	83	21	2	2	NUM
ajbmeb-1466	83	22	.	.	PUNCT
ajbmeb-1466	84	1	estimation	estimation	NOUN
ajbmeb-1466	84	2	using	use	VERB
ajbmeb-1466	84	3	model	model	NOUN
ajbmeb-1466	84	4	1	1	NUM
ajbmeb-1466	84	5	fixed	fix	VERB
ajbmeb-1466	84	6	effects	effect	NOUN
ajbmeb-1466	84	7	explanatory	explanatory	ADJ
ajbmeb-1466	84	8	var	var	NOUN
ajbmeb-1466	84	9	.	.	PUNCT
ajbmeb-1466	85	1	coefficient	coefficient	NOUN
ajbmeb-1466	85	2	standart	standart	NOUN
ajbmeb-1466	85	3	error	error	PROPN
ajbmeb-1466	85	4	t	t	NOUN
ajbmeb-1466	85	5	-	-	PUNCT
ajbmeb-1466	85	6	statistic	statistic	NOUN
ajbmeb-1466	85	7	p	p	NOUN
ajbmeb-1466	85	8	-	-	PUNCT
ajbmeb-1466	85	9	value	value	NOUN
ajbmeb-1466	85	10	ca	ca	NOUN
ajbmeb-1466	85	11	2.12e-08	2.12e-08	NUM
ajbmeb-1466	85	12	5.46e-09	5.46e-09	NUM
ajbmeb-1466	85	13	3.88	3.88	NUM
ajbmeb-1466	85	14	0.000	0.000	NUM
ajbmeb-1466	85	15	cbf	cbf	PROPN
ajbmeb-1466	85	16	3.92e-09	3.92e-09	NUM
ajbmeb-1466	85	17	2.12e-09	2.12e-09	NUM
ajbmeb-1466	85	18	1.85	1.85	NUM
ajbmeb-1466	85	19	0.066	0.066	NUM
ajbmeb-1466	85	20	tfob	tfob	NOUN
ajbmeb-1466	85	21	3.11e-13	3.11e-13	NUM
ajbmeb-1466	85	22	2.78e-13	2.78e-13	NUM
ajbmeb-1466	85	23	1.12	1.12	NUM
ajbmeb-1466	85	24	0.267	0.267	NUM
ajbmeb-1466	85	25	s	s	PROPN
ajbmeb-1466	85	26	2.50e-11	2.50e-11	NUM
ajbmeb-1466	85	27	1.19e-11	1.19e-11	NUM
ajbmeb-1466	85	28	2.10	2.10	NUM
ajbmeb-1466	85	29	0.037	0.037	NUM
ajbmeb-1466	85	30	ti	ti	NOUN
ajbmeb-1466	85	31	-3.28e-10	-3.28e-10	PRON
ajbmeb-1466	85	32	1.23e-10	1.23e-10	NUM
ajbmeb-1466	85	33	-2.67	-2.67	NUM
ajbmeb-1466	85	34	0.008	0.008	NUM
ajbmeb-1466	85	35	cal	cal	NOUN
ajbmeb-1466	85	36	-1.89e-10	-1.89e-10	NOUN
ajbmeb-1466	86	1	5.24e-10	5.24e-10	NUM
ajbmeb-1466	86	2	-0.36	-0.36	NUM
ajbmeb-1466	86	3	0.718	0.718	NUM
ajbmeb-1466	86	4	levr	levr	PROPN
ajbmeb-1466	86	5	-3.45e-09	-3.45e-09	NOUN
ajbmeb-1466	86	6	9.31e-09	9.31e-09	NUM
ajbmeb-1466	86	7	-0.37	-0.37	NUM
ajbmeb-1466	86	8	0.711	0.711	NUM
ajbmeb-1466	86	9	liqr	liqr	NOUN
ajbmeb-1466	86	10	-.0115743	-.0115743	NOUN
ajbmeb-1466	86	11	.0021071	.0021071	PROPN
ajbmeb-1466	86	12	-5.49	-5.49	NOUN
ajbmeb-1466	86	13	0.000	0.000	NUM
ajbmeb-1466	86	14	cons	con	NOUN
ajbmeb-1466	86	15	.0319849	.0319849	VERB
ajbmeb-1466	86	16	.0065037	.0065037	PROPN
ajbmeb-1466	86	17	4.92	4.92	NUM
ajbmeb-1466	86	18	0.000	0.000	NUM
ajbmeb-1466	86	19	results	result	NOUN
ajbmeb-1466	86	20	and	and	CCONJ
ajbmeb-1466	86	21	discussions	discussion	NOUN
ajbmeb-1466	86	22	on	on	ADP
ajbmeb-1466	86	23	model	model	NOUN
ajbmeb-1466	86	24	2	2	NUM
ajbmeb-1466	86	25	the	the	DET
ajbmeb-1466	86	26	results	result	NOUN
ajbmeb-1466	86	27	of	of	ADP
ajbmeb-1466	86	28	the	the	DET
ajbmeb-1466	86	29	hausman	hausman	ADJ
ajbmeb-1466	86	30	test	test	NOUN
ajbmeb-1466	86	31	for	for	ADP
ajbmeb-1466	86	32	model	model	NOUN
ajbmeb-1466	86	33	2	2	NUM
ajbmeb-1466	86	34	are	be	AUX
ajbmeb-1466	86	35	as	as	SCONJ
ajbmeb-1466	86	36	follows	follow	VERB
ajbmeb-1466	86	37	:	:	PUNCT
ajbmeb-1466	86	38	chi	chi	ADJ
ajbmeb-1466	86	39	-	-	PUNCT
ajbmeb-1466	86	40	square	square	ADJ
ajbmeb-1466	86	41	statistic	statistic	NOUN
ajbmeb-1466	86	42	:	:	PUNCT
ajbmeb-1466	86	43	11.47	11.47	NUM
ajbmeb-1466	86	44	,	,	PUNCT
ajbmeb-1466	86	45	degrees	degree	NOUN
ajbmeb-1466	86	46	of	of	ADP
ajbmeb-1466	86	47	freedom	freedom	NOUN
ajbmeb-1466	86	48	:	:	PUNCT
ajbmeb-1466	86	49	7	7	NUM
ajbmeb-1466	86	50	,	,	PUNCT
ajbmeb-1466	86	51	p	p	NOUN
ajbmeb-1466	86	52	-	-	PUNCT
ajbmeb-1466	86	53	value	value	NOUN
ajbmeb-1466	86	54	:	:	PUNCT
ajbmeb-1466	87	1	0.0007	0.0007	NUM
ajbmeb-1466	87	2	.	.	PUNCT
ajbmeb-1466	88	1	since	since	SCONJ
ajbmeb-1466	88	2	the	the	DET
ajbmeb-1466	88	3	p	p	NOUN
ajbmeb-1466	88	4	-	-	PUNCT
ajbmeb-1466	88	5	value	value	NOUN
ajbmeb-1466	88	6	is	be	AUX
ajbmeb-1466	88	7	less	less	ADJ
ajbmeb-1466	88	8	than	than	ADP
ajbmeb-1466	88	9	0.05	0.05	NUM
ajbmeb-1466	88	10	,	,	PUNCT
ajbmeb-1466	88	11	we	we	PRON
ajbmeb-1466	88	12	reject	reject	VERB
ajbmeb-1466	88	13	the	the	DET
ajbmeb-1466	88	14	null	null	ADJ
ajbmeb-1466	88	15	hypothesis	hypothesis	NOUN
ajbmeb-1466	88	16	.	.	PUNCT
ajbmeb-1466	89	1	this	this	PRON
ajbmeb-1466	89	2	means	mean	VERB
ajbmeb-1466	89	3	that	that	SCONJ
ajbmeb-1466	89	4	there	there	PRON
ajbmeb-1466	89	5	is	be	VERB
ajbmeb-1466	89	6	a	a	DET
ajbmeb-1466	89	7	statistically	statistically	ADV
ajbmeb-1466	89	8	significant	significant	ADJ
ajbmeb-1466	89	9	relationship	relationship	NOUN
ajbmeb-1466	89	10	between	between	ADP
ajbmeb-1466	89	11	the	the	DET
ajbmeb-1466	89	12	independent	independent	ADJ
ajbmeb-1466	89	13	variables	variable	NOUN
ajbmeb-1466	89	14	and	and	CCONJ
ajbmeb-1466	89	15	the	the	DET
ajbmeb-1466	89	16	individual	individual	ADJ
ajbmeb-1466	89	17	characteristics	characteristic	NOUN
ajbmeb-1466	89	18	.	.	PUNCT
ajbmeb-1466	90	1	as	as	ADP
ajbmeb-1466	90	2	a	a	DET
ajbmeb-1466	90	3	result	result	NOUN
ajbmeb-1466	90	4	,	,	PUNCT
ajbmeb-1466	90	5	the	the	DET
ajbmeb-1466	90	6	main	main	ADJ
ajbmeb-1466	90	7	assumptions	assumption	NOUN
ajbmeb-1466	90	8	of	of	ADP
ajbmeb-1466	90	9	the	the	DET
ajbmeb-1466	90	10	re	re	PROPN
ajbmeb-1466	90	11	model	model	NOUN
ajbmeb-1466	90	12	are	be	AUX
ajbmeb-1466	90	13	violated	violate	VERB
ajbmeb-1466	90	14	.	.	PUNCT
ajbmeb-1466	91	1	therefore	therefore	ADV
ajbmeb-1466	91	2	,	,	PUNCT
ajbmeb-1466	91	3	the	the	DET
ajbmeb-1466	91	4	use	use	NOUN
ajbmeb-1466	91	5	of	of	ADP
ajbmeb-1466	91	6	the	the	DET
ajbmeb-1466	91	7	fixed	fix	VERB
ajbmeb-1466	91	8	effects	effect	NOUN
ajbmeb-1466	91	9	(	(	PUNCT
ajbmeb-1466	91	10	fe	fe	NOUN
ajbmeb-1466	91	11	)	)	PUNCT
ajbmeb-1466	91	12	model	model	NOUN
ajbmeb-1466	91	13	is	be	AUX
ajbmeb-1466	91	14	considered	consider	VERB
ajbmeb-1466	91	15	acceptable	acceptable	ADJ
ajbmeb-1466	91	16	.	.	PUNCT
ajbmeb-1466	92	1	this	this	DET
ajbmeb-1466	92	2	model	model	NOUN
ajbmeb-1466	92	3	controls	control	VERB
ajbmeb-1466	92	4	for	for	ADP
ajbmeb-1466	92	5	individual	individual	ADJ
ajbmeb-1466	92	6	differences	difference	NOUN
ajbmeb-1466	92	7	that	that	PRON
ajbmeb-1466	92	8	do	do	AUX
ajbmeb-1466	92	9	not	not	PART
ajbmeb-1466	92	10	change	change	VERB
ajbmeb-1466	92	11	over	over	ADP
ajbmeb-1466	92	12	time	time	NOUN
ajbmeb-1466	92	13	.	.	PUNCT
ajbmeb-1466	93	1	this	this	PRON
ajbmeb-1466	93	2	prevents	prevent	VERB
ajbmeb-1466	93	3	the	the	DET
ajbmeb-1466	93	4	coefficients	coefficient	NOUN
ajbmeb-1466	93	5	in	in	ADP
ajbmeb-1466	93	6	the	the	DET
ajbmeb-1466	93	7	regressor	regressor	NOUN
ajbmeb-1466	93	8	from	from	ADP
ajbmeb-1466	93	9	being	be	AUX
ajbmeb-1466	93	10	overestimated	overestimate	VERB
ajbmeb-1466	93	11	.	.	PUNCT
ajbmeb-1466	94	1	on	on	ADP
ajbmeb-1466	94	2	the	the	DET
ajbmeb-1466	94	3	contrary	contrary	NOUN
ajbmeb-1466	94	4	,	,	PUNCT
ajbmeb-1466	94	5	it	it	PRON
ajbmeb-1466	94	6	would	would	AUX
ajbmeb-1466	94	7	be	be	AUX
ajbmeb-1466	94	8	a	a	DET
ajbmeb-1466	94	9	mistake	mistake	NOUN
ajbmeb-1466	94	10	to	to	PART
ajbmeb-1466	94	11	use	use	VERB
ajbmeb-1466	94	12	the	the	DET
ajbmeb-1466	94	13	random	random	ADJ
ajbmeb-1466	94	14	effects	effect	NOUN
ajbmeb-1466	94	15	model	model	NOUN
ajbmeb-1466	94	16	in	in	ADP
ajbmeb-1466	94	17	this	this	DET
ajbmeb-1466	94	18	situation	situation	NOUN
ajbmeb-1466	94	19	,	,	PUNCT
ajbmeb-1466	94	20	because	because	SCONJ
ajbmeb-1466	94	21	this	this	DET
ajbmeb-1466	94	22	model	model	NOUN
ajbmeb-1466	94	23	incorrectly	incorrectly	ADV
ajbmeb-1466	94	24	assumes	assume	VERB
ajbmeb-1466	94	25	that	that	SCONJ
ajbmeb-1466	94	26	unobserved	unobserved	ADJ
ajbmeb-1466	94	27	individual	individual	ADJ
ajbmeb-1466	94	28	characteristics	characteristic	NOUN
ajbmeb-1466	94	29	are	be	AUX
ajbmeb-1466	94	30	not	not	PART
ajbmeb-1466	94	31	associated	associate	VERB
ajbmeb-1466	94	32	with	with	ADP
ajbmeb-1466	94	33	the	the	DET
ajbmeb-1466	94	34	independent	independent	ADJ
ajbmeb-1466	94	35	variables	variable	NOUN
ajbmeb-1466	94	36	.	.	PUNCT
ajbmeb-1466	95	1	as	as	ADP
ajbmeb-1466	95	2	a	a	DET
ajbmeb-1466	95	3	result	result	NOUN
ajbmeb-1466	95	4	,	,	PUNCT
ajbmeb-1466	95	5	the	the	DET
ajbmeb-1466	95	6	re	re	PROPN
ajbmeb-1466	95	7	model	model	PROPN
ajbmeb-1466	95	8	leads	lead	VERB
ajbmeb-1466	95	9	to	to	ADP
ajbmeb-1466	95	10	biased	biased	ADJ
ajbmeb-1466	95	11	and	and	CCONJ
ajbmeb-1466	95	12	inconsistent	inconsistent	ADJ
ajbmeb-1466	95	13	estimates	estimate	NOUN
ajbmeb-1466	95	14	.	.	PUNCT
ajbmeb-1466	96	1	overall	overall	ADV
ajbmeb-1466	96	2	,	,	PUNCT
ajbmeb-1466	96	3	the	the	DET
ajbmeb-1466	96	4	hausman	hausman	ADJ
ajbmeb-1466	96	5	test	test	NOUN
ajbmeb-1466	96	6	for	for	ADP
ajbmeb-1466	96	7	the	the	DET
ajbmeb-1466	96	8	model	model	NOUN
ajbmeb-1466	96	9	gives	give	VERB
ajbmeb-1466	96	10	strong	strong	ADJ
ajbmeb-1466	96	11	statistical	statistical	ADJ
ajbmeb-1466	96	12	evidence	evidence	NOUN
ajbmeb-1466	96	13	in	in	ADP
ajbmeb-1466	96	14	favor	favor	NOUN
ajbmeb-1466	96	15	of	of	ADP
ajbmeb-1466	96	16	the	the	DET
ajbmeb-1466	96	17	fixed	fix	VERB
ajbmeb-1466	96	18	effects	effect	NOUN
ajbmeb-1466	96	19	model	model	NOUN
ajbmeb-1466	96	20	.	.	PUNCT
ajbmeb-1466	97	1	since	since	SCONJ
ajbmeb-1466	97	2	the	the	DET
ajbmeb-1466	97	3	p	p	NOUN
ajbmeb-1466	97	4	-	-	PUNCT
ajbmeb-1466	97	5	value	value	NOUN
ajbmeb-1466	97	6	(	(	PUNCT
ajbmeb-1466	97	7	0.0007	0.0007	NUM
ajbmeb-1466	97	8	)	)	PUNCT
ajbmeb-1466	97	9	is	be	AUX
ajbmeb-1466	97	10	well	well	ADV
ajbmeb-1466	97	11	below	below	ADP
ajbmeb-1466	97	12	the	the	DET
ajbmeb-1466	97	13	traditional	traditional	ADJ
ajbmeb-1466	97	14	5	5	NUM
ajbmeb-1466	97	15	%	%	NOUN
ajbmeb-1466	97	16	level	level	NOUN
ajbmeb-1466	97	17	,	,	PUNCT
ajbmeb-1466	97	18	the	the	DET
ajbmeb-1466	97	19	use	use	NOUN
ajbmeb-1466	97	20	of	of	ADP
ajbmeb-1466	97	21	the	the	DET
ajbmeb-1466	97	22	re	re	PROPN
ajbmeb-1466	97	23	model	model	NOUN
ajbmeb-1466	97	24	in	in	ADP
ajbmeb-1466	97	25	this	this	DET
ajbmeb-1466	97	26	context	context	NOUN
ajbmeb-1466	97	27	is	be	AUX
ajbmeb-1466	97	28	inappropriate	inappropriate	ADJ
ajbmeb-1466	97	29	.	.	PUNCT
ajbmeb-1466	98	1	therefore	therefore	ADV
ajbmeb-1466	98	2	,	,	PUNCT
ajbmeb-1466	98	3	it	it	PRON
ajbmeb-1466	98	4	is	be	AUX
ajbmeb-1466	98	5	recommended	recommend	VERB
ajbmeb-1466	98	6	to	to	PART
ajbmeb-1466	98	7	use	use	VERB
ajbmeb-1466	98	8	the	the	DET
ajbmeb-1466	98	9	fe	fe	PROPN
ajbmeb-1466	98	10	model	model	NOUN
ajbmeb-1466	98	11	when	when	SCONJ
ajbmeb-1466	98	12	estimating	estimate	VERB
ajbmeb-1466	98	13	model	model	NOUN
ajbmeb-1466	98	14	2	2	NUM
ajbmeb-1466	98	15	,	,	PUNCT
ajbmeb-1466	98	16	which	which	PRON
ajbmeb-1466	98	17	ensures	ensure	VERB
ajbmeb-1466	98	18	that	that	SCONJ
ajbmeb-1466	98	19	the	the	DET
ajbmeb-1466	98	20	results	result	NOUN
ajbmeb-1466	98	21	of	of	ADP
ajbmeb-1466	98	22	the	the	DET
ajbmeb-1466	98	23	econometric	econometric	ADJ
ajbmeb-1466	98	24	analysis	analysis	NOUN
ajbmeb-1466	98	25	are	be	AUX
ajbmeb-1466	98	26	more	more	ADV
ajbmeb-1466	98	27	reliable	reliable	ADJ
ajbmeb-1466	98	28	and	and	CCONJ
ajbmeb-1466	98	29	robust	robust	ADJ
ajbmeb-1466	98	30	.	.	PUNCT
ajbmeb-1466	99	1	table	table	NOUN
ajbmeb-1466	99	2	3	3	NUM
ajbmeb-1466	99	3	:	:	PUNCT
ajbmeb-1466	99	4	hausman	hausman	ADJ
ajbmeb-1466	99	5	test	test	NOUN
ajbmeb-1466	99	6	for	for	ADP
ajbmeb-1466	99	7	model	model	NOUN
ajbmeb-1466	99	8	2	2	NUM
ajbmeb-1466	99	9	hausman	hausman	ADJ
ajbmeb-1466	99	10	test	test	NOUN
ajbmeb-1466	99	11	for	for	ADP
ajbmeb-1466	99	12	model	model	NOUN
ajbmeb-1466	99	13	2	2	NUM
ajbmeb-1466	99	14	test	test	NOUN
ajbmeb-1466	99	15	summary	summary	NOUN
ajbmeb-1466	99	16	chi	chi	PROPN
ajbmeb-1466	99	17	-	-	PUNCT
ajbmeb-1466	99	18	sq	sq	PROPN
ajbmeb-1466	99	19	.	.	PROPN
ajbmeb-1466	99	20	statistic	statistic	ADJ
ajbmeb-1466	99	21	chi	chi	PROPN
ajbmeb-1466	99	22	-	-	PUNCT
ajbmeb-1466	99	23	sq	sq	NOUN
ajbmeb-1466	99	24	.	.	PUNCT
ajbmeb-1466	100	1	d.f	d.f	PROPN
ajbmeb-1466	100	2	p	p	NOUN
ajbmeb-1466	100	3	-	-	PUNCT
ajbmeb-1466	100	4	value	value	NOUN
ajbmeb-1466	100	5	cross	cross	ADJ
ajbmeb-1466	100	6	-	-	ADJ
ajbmeb-1466	100	7	section	section	ADJ
ajbmeb-1466	100	8	random	random	ADJ
ajbmeb-1466	100	9	11.47	11.47	NUM
ajbmeb-1466	100	10	7	7	NUM
ajbmeb-1466	100	11	0.0007	0.0007	NUM
ajbmeb-1466	100	12	nim	nim	X
ajbmeb-1466	100	13	(	(	PUNCT
ajbmeb-1466	100	14	net	net	ADJ
ajbmeb-1466	100	15	interest	interest	NOUN
ajbmeb-1466	100	16	margin	margin	NOUN
ajbmeb-1466	100	17	)	)	PUNCT
ajbmeb-1466	100	18	analysis	analysis	NOUN
ajbmeb-1466	100	19	based	base	VERB
ajbmeb-1466	100	20	on	on	ADP
ajbmeb-1466	100	21	fixed	fix	VERB
ajbmeb-1466	100	22	effects	effect	NOUN
ajbmeb-1466	100	23	model	model	NOUN
ajbmeb-1466	100	24	funds	fund	NOUN
ajbmeb-1466	100	25	with	with	ADP
ajbmeb-1466	100	26	other	other	ADJ
ajbmeb-1466	100	27	banks	bank	NOUN
ajbmeb-1466	100	28	(	(	PUNCT
ajbmeb-1466	100	29	tfob	tfob	NOUN
ajbmeb-1466	100	30	)	)	PUNCT
ajbmeb-1466	100	31	and	and	CCONJ
ajbmeb-1466	100	32	loans	loan	NOUN
ajbmeb-1466	100	33	and	and	CCONJ
ajbmeb-1466	100	34	leasing	leasing	NOUN
ajbmeb-1466	100	35	(	(	PUNCT
ajbmeb-1466	100	36	cal	cal	ADJ
ajbmeb-1466	100	37	)	)	PUNCT
ajbmeb-1466	100	38	indicators	indicator	NOUN
ajbmeb-1466	100	39	are	be	AUX
ajbmeb-1466	100	40	shown	show	VERB
ajbmeb-1466	100	41	to	to	PART
ajbmeb-1466	100	42	be	be	AUX
ajbmeb-1466	100	43	statistically	statistically	ADV
ajbmeb-1466	100	44	significant	significant	ADJ
ajbmeb-1466	100	45	predictors	predictor	NOUN
ajbmeb-1466	100	46	of	of	ADP
ajbmeb-1466	100	47	nim	nim	PROPN
ajbmeb-1466	100	48	.	.	PUNCT
ajbmeb-1466	101	1	a	a	DET
ajbmeb-1466	101	2	positive	positive	ADJ
ajbmeb-1466	101	3	and	and	CCONJ
ajbmeb-1466	101	4	significant	significant	ADJ
ajbmeb-1466	101	5	tfob	tfob	NOUN
ajbmeb-1466	101	6	coefficient	coefficient	NOUN
ajbmeb-1466	101	7	indicates	indicate	VERB
ajbmeb-1466	101	8	that	that	SCONJ
ajbmeb-1466	101	9	banks	bank	NOUN
ajbmeb-1466	101	10	are	be	AUX
ajbmeb-1466	101	11	effectively	effectively	ADV
ajbmeb-1466	101	12	investing	invest	VERB
ajbmeb-1466	101	13	funds	fund	NOUN
ajbmeb-1466	101	14	held	hold	VERB
ajbmeb-1466	101	15	in	in	ADP
ajbmeb-1466	101	16	other	other	ADJ
ajbmeb-1466	101	17	financial	financial	ADJ
ajbmeb-1466	101	18	institutions	institution	NOUN
ajbmeb-1466	101	19	or	or	CCONJ
ajbmeb-1466	101	20	are	be	AUX
ajbmeb-1466	101	21	making	make	VERB
ajbmeb-1466	101	22	a	a	DET
ajbmeb-1466	101	23	profit	profit	NOUN
ajbmeb-1466	101	24	through	through	ADP
ajbmeb-1466	101	25	these	these	DET
ajbmeb-1466	101	26	assets	asset	NOUN
ajbmeb-1466	101	27	.	.	PUNCT
ajbmeb-1466	102	1	the	the	DET
ajbmeb-1466	102	2	strong	strong	ADJ
ajbmeb-1466	102	3	and	and	CCONJ
ajbmeb-1466	102	4	positive	positive	ADJ
ajbmeb-1466	102	5	effect	effect	NOUN
ajbmeb-1466	102	6	of	of	ADP
ajbmeb-1466	102	7	loan	loan	NOUN
ajbmeb-1466	102	8	and	and	CCONJ
ajbmeb-1466	102	9	leasing	leasing	NOUN
ajbmeb-1466	102	10	activities	activity	NOUN
ajbmeb-1466	102	11	(	(	PUNCT
ajbmeb-1466	102	12	cal	cal	ADJ
ajbmeb-1466	102	13	)	)	PUNCT
ajbmeb-1466	102	14	is	be	AUX
ajbmeb-1466	102	15	logical	logical	ADJ
ajbmeb-1466	102	16	more	more	ADJ
ajbmeb-1466	102	17	loans	loan	NOUN
ajbmeb-1466	102	18	lead	lead	VERB
ajbmeb-1466	102	19	to	to	ADP
ajbmeb-1466	102	20	more	more	ADJ
ajbmeb-1466	102	21	interest	interest	NOUN
ajbmeb-1466	102	22	income	income	NOUN
ajbmeb-1466	102	23	,	,	PUNCT
ajbmeb-1466	102	24	which	which	PRON
ajbmeb-1466	102	25	,	,	PUNCT
ajbmeb-1466	102	26	naturally	naturally	ADV
ajbmeb-1466	102	27	,	,	PUNCT
ajbmeb-1466	102	28	contributes	contribute	VERB
ajbmeb-1466	102	29	to	to	ADP
ajbmeb-1466	102	30	an	an	DET
ajbmeb-1466	102	31	increase	increase	NOUN
ajbmeb-1466	102	32	in	in	ADP
ajbmeb-1466	102	33	the	the	DET
ajbmeb-1466	102	34	nim	nim	NOUN
ajbmeb-1466	102	35	level	level	NOUN
ajbmeb-1466	102	36	.	.	PUNCT
ajbmeb-1466	103	1	cash	cash	NOUN
ajbmeb-1466	103	2	assets	asset	NOUN
ajbmeb-1466	103	3	(	(	PUNCT
ajbmeb-1466	103	4	ca	ca	NOUN
ajbmeb-1466	103	5	)	)	PUNCT
ajbmeb-1466	103	6	,	,	PUNCT
ajbmeb-1466	103	7	central	central	ADJ
ajbmeb-1466	103	8	bank	bank	NOUN
ajbmeb-1466	103	9	funds	fund	NOUN
ajbmeb-1466	103	10	(	(	PUNCT
ajbmeb-1466	103	11	cbf	cbf	PROPN
ajbmeb-1466	103	12	)	)	PUNCT
ajbmeb-1466	103	13	,	,	PUNCT
ajbmeb-1466	103	14	securities	security	NOUN
ajbmeb-1466	103	15	(	(	PUNCT
ajbmeb-1466	103	16	s	s	NOUN
ajbmeb-1466	103	17	)	)	PUNCT
ajbmeb-1466	103	18	,	,	PUNCT
ajbmeb-1466	103	19	total	total	ADJ
ajbmeb-1466	103	20	investments	investment	NOUN
ajbmeb-1466	103	21	(	(	PUNCT
ajbmeb-1466	103	22	ti	ti	NOUN
ajbmeb-1466	103	23	)	)	PUNCT
ajbmeb-1466	103	24	,	,	PUNCT
ajbmeb-1466	103	25	leverage	leverage	NOUN
ajbmeb-1466	103	26	ratio	ratio	NOUN
ajbmeb-1466	103	27	(	(	PUNCT
ajbmeb-1466	103	28	levr	levr	PROPN
ajbmeb-1466	103	29	)	)	PUNCT
ajbmeb-1466	103	30	and	and	CCONJ
ajbmeb-1466	103	31	liquidity	liquidity	NOUN
ajbmeb-1466	103	32	ratio	ratio	NOUN
ajbmeb-1466	103	33	(	(	PUNCT
ajbmeb-1466	103	34	liqr	liqr	NOUN
ajbmeb-1466	103	35	)	)	PUNCT
ajbmeb-1466	103	36	are	be	AUX
ajbmeb-1466	103	37	not	not	PART
ajbmeb-1466	103	38	statistically	statistically	ADV
ajbmeb-1466	103	39	significant	significant	ADJ
ajbmeb-1466	103	40	.	.	PUNCT
ajbmeb-1466	104	1	however	however	ADV
ajbmeb-1466	104	2	,	,	PUNCT
ajbmeb-1466	104	3	their	their	PRON
ajbmeb-1466	104	4	sign	sign	NOUN
ajbmeb-1466	104	5	may	may	AUX
ajbmeb-1466	104	6	be	be	AUX
ajbmeb-1466	104	7	useful	useful	ADJ
ajbmeb-1466	104	8	for	for	ADP
ajbmeb-1466	104	9	further	further	ADJ
ajbmeb-1466	104	10	analysis	analysis	NOUN
ajbmeb-1466	104	11	.	.	PUNCT
ajbmeb-1466	105	1	in	in	ADP
ajbmeb-1466	105	2	particular	particular	ADJ
ajbmeb-1466	105	3	,	,	PUNCT
ajbmeb-1466	105	4	there	there	PRON
ajbmeb-1466	105	5	is	be	VERB
ajbmeb-1466	105	6	a	a	DET
ajbmeb-1466	105	7	large	large	ADJ
ajbmeb-1466	105	8	but	but	CCONJ
ajbmeb-1466	105	9	insignificant	insignificant	ADJ
ajbmeb-1466	105	10	negative	negative	ADJ
ajbmeb-1466	105	11	coefficient	coefficient	NOUN
ajbmeb-1466	105	12	on	on	ADP
ajbmeb-1466	105	13	liqr	liqr	NOUN
ajbmeb-1466	105	14	.	.	PUNCT
ajbmeb-1466	106	1	this	this	PRON
ajbmeb-1466	106	2	suggests	suggest	VERB
ajbmeb-1466	106	3	that	that	SCONJ
ajbmeb-1466	106	4	excess	excess	ADJ
ajbmeb-1466	106	5	liquidity	liquidity	NOUN
ajbmeb-1466	106	6	may	may	AUX
ajbmeb-1466	106	7	be	be	AUX
ajbmeb-1466	106	8	reducing	reduce	VERB
ajbmeb-1466	106	9	the	the	DET
ajbmeb-1466	106	10	nim	nim	NOUN
ajbmeb-1466	106	11	level	level	NOUN
ajbmeb-1466	106	12	through	through	ADP
ajbmeb-1466	106	13	the	the	DET
ajbmeb-1466	106	14	opportunity	opportunity	NOUN
ajbmeb-1466	106	15	cost	cost	NOUN
ajbmeb-1466	106	16	,	,	PUNCT
ajbmeb-1466	106	17	a	a	DET
ajbmeb-1466	106	18	situation	situation	NOUN
ajbmeb-1466	106	19	that	that	PRON
ajbmeb-1466	106	20	has	have	AUX
ajbmeb-1466	106	21	also	also	ADV
ajbmeb-1466	106	22	been	be	AUX
ajbmeb-1466	106	23	observed	observe	VERB
ajbmeb-1466	106	24	in	in	ADP
ajbmeb-1466	106	25	studies	study	NOUN
ajbmeb-1466	106	26	of	of	ADP
ajbmeb-1466	106	27	some	some	DET
ajbmeb-1466	106	28	developing	develop	VERB
ajbmeb-1466	106	29	countries	country	NOUN
ajbmeb-1466	106	30	.	.	PUNCT
ajbmeb-1466	107	1	credit	credit	NOUN
ajbmeb-1466	107	2	and	and	CCONJ
ajbmeb-1466	107	3	leasing	leasing	NOUN
ajbmeb-1466	107	4	(	(	PUNCT
ajbmeb-1466	107	5	cal	cal	ADJ
ajbmeb-1466	107	6	):	):	PUNCT
ajbmeb-1466	107	7	this	this	DET
ajbmeb-1466	107	8	result	result	NOUN
ajbmeb-1466	107	9	is	be	AUX
ajbmeb-1466	107	10	consistent	consistent	ADJ
ajbmeb-1466	107	11	with	with	ADP
ajbmeb-1466	107	12	the	the	DET
ajbmeb-1466	107	13	findings	finding	NOUN
ajbmeb-1466	107	14	of	of	ADP
ajbmeb-1466	107	15	several	several	ADJ
ajbmeb-1466	107	16	previous	previous	ADJ
ajbmeb-1466	107	17	studies	study	NOUN
ajbmeb-1466	107	18	,	,	PUNCT
ajbmeb-1466	107	19	american	american	ADJ
ajbmeb-1466	107	20	journal	journal	PROPN
ajbmeb-1466	107	21	of	of	ADP
ajbmeb-1466	107	22	business	business	NOUN
ajbmeb-1466	107	23	management	management	NOUN
ajbmeb-1466	107	24	,	,	PUNCT
ajbmeb-1466	107	25	economics	economic	NOUN
ajbmeb-1466	107	26	and	and	CCONJ
ajbmeb-1466	107	27	banking	banking	NOUN
ajbmeb-1466	107	28	volume	volume	NOUN
ajbmeb-1466	108	1	39	39	NUM
ajbmeb-1466	108	2	august2025	august2025	PROPN
ajbmeb-1466	108	3	p	p	NOUN
ajbmeb-1466	108	4	a	a	PRON
ajbmeb-1466	108	5	g	g	NOUN
ajbmeb-1466	108	6	e	e	NOUN
ajbmeb-1466	109	1	|	|	ADV
ajbmeb-1466	110	1	14	14	NUM
ajbmeb-1466	111	1	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	111	2	including	include	VERB
ajbmeb-1466	111	3	demirgüç	demirgüç	PROPN
ajbmeb-1466	111	4	-	-	PUNCT
ajbmeb-1466	111	5	kunt	kunt	PROPN
ajbmeb-1466	111	6	&	&	CCONJ
ajbmeb-1466	111	7	huizinga	huizinga	NOUN
ajbmeb-1466	111	8	and	and	CCONJ
ajbmeb-1466	111	9	maudos	maudo	NOUN
ajbmeb-1466	111	10	&	&	CCONJ
ajbmeb-1466	111	11	fernández	fernández	PROPN
ajbmeb-1466	111	12	de	de	PROPN
ajbmeb-1466	111	13	guevara	guevara	PROPN
ajbmeb-1466	111	14	.	.	PUNCT
ajbmeb-1466	112	1	they	they	PRON
ajbmeb-1466	112	2	find	find	VERB
ajbmeb-1466	112	3	that	that	SCONJ
ajbmeb-1466	112	4	more	more	ADJ
ajbmeb-1466	112	5	lending	lending	NOUN
ajbmeb-1466	112	6	increases	increase	NOUN
ajbmeb-1466	112	7	nim	nim	NOUN
ajbmeb-1466	112	8	,	,	PUNCT
ajbmeb-1466	112	9	especially	especially	ADV
ajbmeb-1466	112	10	in	in	ADP
ajbmeb-1466	112	11	conditions	condition	NOUN
ajbmeb-1466	112	12	of	of	ADP
ajbmeb-1466	112	13	high	high	ADJ
ajbmeb-1466	112	14	competition	competition	NOUN
ajbmeb-1466	112	15	or	or	CCONJ
ajbmeb-1466	112	16	high	high	ADJ
ajbmeb-1466	112	17	inflation	inflation	NOUN
ajbmeb-1466	112	18	.	.	PUNCT
ajbmeb-1466	113	1	alhassan	alhassan	VERB
ajbmeb-1466	113	2	and	and	CCONJ
ajbmeb-1466	113	3	brobbey	brobbey	VERB
ajbmeb-1466	113	4	,	,	PUNCT
ajbmeb-1466	113	5	in	in	ADP
ajbmeb-1466	113	6	their	their	PRON
ajbmeb-1466	113	7	study	study	NOUN
ajbmeb-1466	113	8	of	of	ADP
ajbmeb-1466	113	9	banks	bank	NOUN
ajbmeb-1466	113	10	in	in	ADP
ajbmeb-1466	113	11	sub	sub	ADJ
ajbmeb-1466	113	12	-	-	ADJ
ajbmeb-1466	113	13	saharan	saharan	ADJ
ajbmeb-1466	113	14	africa	africa	PROPN
ajbmeb-1466	113	15	,	,	PUNCT
ajbmeb-1466	113	16	found	find	VERB
ajbmeb-1466	113	17	that	that	SCONJ
ajbmeb-1466	113	18	a	a	DET
ajbmeb-1466	113	19	diversified	diversify	VERB
ajbmeb-1466	113	20	loan	loan	NOUN
ajbmeb-1466	113	21	portfolio	portfolio	NOUN
ajbmeb-1466	113	22	increases	increase	VERB
ajbmeb-1466	113	23	a	a	DET
ajbmeb-1466	113	24	bank	bank	NOUN
ajbmeb-1466	113	25	’s	’s	PART
ajbmeb-1466	113	26	interest	interest	NOUN
ajbmeb-1466	113	27	margin	margin	NOUN
ajbmeb-1466	113	28	.	.	PUNCT
ajbmeb-1466	114	1	tran	tran	PROPN
ajbmeb-1466	114	2	et	et	PROPN
ajbmeb-1466	114	3	al	al	PROPN
ajbmeb-1466	114	4	.	.	PROPN
ajbmeb-1466	114	5	,	,	PUNCT
ajbmeb-1466	114	6	in	in	ADP
ajbmeb-1466	114	7	the	the	DET
ajbmeb-1466	114	8	case	case	NOUN
ajbmeb-1466	114	9	of	of	ADP
ajbmeb-1466	114	10	banks	bank	NOUN
ajbmeb-1466	114	11	in	in	ADP
ajbmeb-1466	114	12	southeast	southeast	PROPN
ajbmeb-1466	114	13	asia	asia	PROPN
ajbmeb-1466	114	14	,	,	PUNCT
ajbmeb-1466	114	15	found	find	VERB
ajbmeb-1466	114	16	that	that	SCONJ
ajbmeb-1466	114	17	digital	digital	ADJ
ajbmeb-1466	114	18	lending	lending	NOUN
ajbmeb-1466	114	19	and	and	CCONJ
ajbmeb-1466	114	20	extended	extended	ADJ
ajbmeb-1466	114	21	leasing	leasing	NOUN
ajbmeb-1466	114	22	services	service	NOUN
ajbmeb-1466	114	23	significantly	significantly	ADV
ajbmeb-1466	114	24	increased	increase	VERB
ajbmeb-1466	114	25	nim	nim	PROPN
ajbmeb-1466	114	26	,	,	PUNCT
ajbmeb-1466	114	27	especially	especially	ADV
ajbmeb-1466	114	28	for	for	ADP
ajbmeb-1466	114	29	medium	medium	ADJ
ajbmeb-1466	114	30	-	-	PUNCT
ajbmeb-1466	114	31	sized	sized	ADJ
ajbmeb-1466	114	32	banks	bank	NOUN
ajbmeb-1466	114	33	.	.	PUNCT
ajbmeb-1466	115	1	funds	fund	NOUN
ajbmeb-1466	115	2	from	from	ADP
ajbmeb-1466	115	3	other	other	ADJ
ajbmeb-1466	115	4	banks	bank	NOUN
ajbmeb-1466	115	5	(	(	PUNCT
ajbmeb-1466	115	6	tfob	tfob	NOUN
ajbmeb-1466	115	7	):	):	PUNCT
ajbmeb-1466	115	8	although	although	SCONJ
ajbmeb-1466	115	9	the	the	DET
ajbmeb-1466	115	10	positive	positive	ADJ
ajbmeb-1466	115	11	and	and	CCONJ
ajbmeb-1466	115	12	significant	significant	ADJ
ajbmeb-1466	115	13	effect	effect	NOUN
ajbmeb-1466	115	14	of	of	ADP
ajbmeb-1466	115	15	this	this	DET
ajbmeb-1466	115	16	variable	variable	NOUN
ajbmeb-1466	115	17	has	have	AUX
ajbmeb-1466	115	18	been	be	AUX
ajbmeb-1466	115	19	poorly	poorly	ADV
ajbmeb-1466	115	20	documented	document	VERB
ajbmeb-1466	115	21	in	in	ADP
ajbmeb-1466	115	22	the	the	DET
ajbmeb-1466	115	23	academic	academic	ADJ
ajbmeb-1466	115	24	literature	literature	NOUN
ajbmeb-1466	115	25	,	,	PUNCT
ajbmeb-1466	115	26	research	research	NOUN
ajbmeb-1466	115	27	on	on	ADP
ajbmeb-1466	115	28	this	this	DET
ajbmeb-1466	115	29	topic	topic	NOUN
ajbmeb-1466	115	30	has	have	AUX
ajbmeb-1466	115	31	been	be	AUX
ajbmeb-1466	115	32	increasing	increase	VERB
ajbmeb-1466	115	33	in	in	ADP
ajbmeb-1466	115	34	recent	recent	ADJ
ajbmeb-1466	115	35	years	year	NOUN
ajbmeb-1466	115	36	.	.	PUNCT
ajbmeb-1466	116	1	for	for	ADP
ajbmeb-1466	116	2	example	example	NOUN
ajbmeb-1466	116	3	,	,	PUNCT
ajbmeb-1466	116	4	athanasoglou	athanasoglou	PROPN
ajbmeb-1466	116	5	et	et	PROPN
ajbmeb-1466	116	6	al.[11	al.[11	PROPN
ajbmeb-1466	116	7	]	]	PUNCT
ajbmeb-1466	116	8	have	have	AUX
ajbmeb-1466	116	9	shown	show	VERB
ajbmeb-1466	116	10	that	that	SCONJ
ajbmeb-1466	116	11	interbank	interbank	NOUN
ajbmeb-1466	116	12	market	market	NOUN
ajbmeb-1466	116	13	activity	activity	NOUN
ajbmeb-1466	116	14	has	have	VERB
ajbmeb-1466	116	15	a	a	DET
ajbmeb-1466	116	16	positive	positive	ADJ
ajbmeb-1466	116	17	effect	effect	NOUN
ajbmeb-1466	116	18	on	on	ADP
ajbmeb-1466	116	19	bank	bank	NOUN
ajbmeb-1466	116	20	profits	profit	NOUN
ajbmeb-1466	116	21	.	.	PUNCT
ajbmeb-1466	117	1	banks	bank	NOUN
ajbmeb-1466	117	2	in	in	ADP
ajbmeb-1466	117	3	bangladesh	bangladesh	NOUN
ajbmeb-1466	117	4	have	have	AUX
ajbmeb-1466	117	5	found	find	VERB
ajbmeb-1466	117	6	that	that	SCONJ
ajbmeb-1466	117	7	they	they	PRON
ajbmeb-1466	117	8	can	can	AUX
ajbmeb-1466	117	9	achieve	achieve	VERB
ajbmeb-1466	117	10	higher	high	ADJ
ajbmeb-1466	117	11	margins	margin	NOUN
ajbmeb-1466	117	12	if	if	SCONJ
ajbmeb-1466	117	13	they	they	PRON
ajbmeb-1466	117	14	manage	manage	VERB
ajbmeb-1466	117	15	short	short	ADJ
ajbmeb-1466	117	16	-	-	PUNCT
ajbmeb-1466	117	17	term	term	NOUN
ajbmeb-1466	117	18	interbank	interbank	NOUN
ajbmeb-1466	117	19	assets	asset	NOUN
ajbmeb-1466	117	20	effectively	effectively	ADV
ajbmeb-1466	117	21	.	.	PUNCT
ajbmeb-1466	118	1	in	in	ADP
ajbmeb-1466	118	2	developing	develop	VERB
ajbmeb-1466	118	3	countries	country	NOUN
ajbmeb-1466	118	4	,	,	PUNCT
ajbmeb-1466	118	5	improving	improve	VERB
ajbmeb-1466	118	6	interbank	interbank	NOUN
ajbmeb-1466	118	7	markets	market	NOUN
ajbmeb-1466	118	8	have	have	AUX
ajbmeb-1466	118	9	shown	show	VERB
ajbmeb-1466	118	10	that	that	SCONJ
ajbmeb-1466	118	11	banks	bank	NOUN
ajbmeb-1466	118	12	can	can	AUX
ajbmeb-1466	118	13	manage	manage	VERB
ajbmeb-1466	118	14	liquidity	liquidity	NOUN
ajbmeb-1466	118	15	effectively	effectively	ADV
ajbmeb-1466	118	16	and	and	CCONJ
ajbmeb-1466	118	17	generate	generate	VERB
ajbmeb-1466	118	18	some	some	DET
ajbmeb-1466	118	19	income	income	NOUN
ajbmeb-1466	118	20	.	.	PUNCT
ajbmeb-1466	119	1	liquidity	liquidity	NOUN
ajbmeb-1466	119	2	ratio	ratio	NOUN
ajbmeb-1466	119	3	(	(	PUNCT
ajbmeb-1466	119	4	liqr	liqr	NOUN
ajbmeb-1466	119	5	):	):	PUNCT
ajbmeb-1466	119	6	although	although	SCONJ
ajbmeb-1466	119	7	not	not	PART
ajbmeb-1466	119	8	statistically	statistically	ADV
ajbmeb-1466	119	9	significant	significant	ADJ
ajbmeb-1466	119	10	,	,	PUNCT
ajbmeb-1466	119	11	its	its	PRON
ajbmeb-1466	119	12	negative	negative	ADJ
ajbmeb-1466	119	13	sign	sign	NOUN
ajbmeb-1466	119	14	indicates	indicate	VERB
ajbmeb-1466	119	15	that	that	SCONJ
ajbmeb-1466	119	16	it	it	PRON
ajbmeb-1466	119	17	may	may	AUX
ajbmeb-1466	119	18	have	have	VERB
ajbmeb-1466	119	19	a	a	DET
ajbmeb-1466	119	20	negative	negative	ADJ
ajbmeb-1466	119	21	impact	impact	NOUN
ajbmeb-1466	119	22	on	on	ADP
ajbmeb-1466	119	23	bank	bank	NOUN
ajbmeb-1466	119	24	profitability	profitability	NOUN
ajbmeb-1466	119	25	.	.	PUNCT
ajbmeb-1466	120	1	this	this	PRON
ajbmeb-1466	120	2	is	be	AUX
ajbmeb-1466	120	3	consistent	consistent	ADJ
ajbmeb-1466	120	4	with	with	ADP
ajbmeb-1466	120	5	the	the	DET
ajbmeb-1466	120	6	“	"	PUNCT
ajbmeb-1466	120	7	liquidity	liquidity	NOUN
ajbmeb-1466	120	8	-	-	PUNCT
ajbmeb-1466	120	9	profitability	profitability	NOUN
ajbmeb-1466	120	10	tradeoff	tradeoff	NOUN
ajbmeb-1466	120	11	”	"	PUNCT
ajbmeb-1466	120	12	theory	theory	NOUN
ajbmeb-1466	120	13	noted	note	VERB
ajbmeb-1466	120	14	in	in	ADP
ajbmeb-1466	120	15	many	many	ADJ
ajbmeb-1466	120	16	studies	study	NOUN
ajbmeb-1466	120	17	.	.	PUNCT
ajbmeb-1466	121	1	conclusion	conclusion	NOUN
ajbmeb-1466	121	2	in	in	ADP
ajbmeb-1466	121	3	general	general	ADJ
ajbmeb-1466	121	4	,	,	PUNCT
ajbmeb-1466	121	5	the	the	DET
ajbmeb-1466	121	6	results	result	NOUN
ajbmeb-1466	121	7	of	of	ADP
ajbmeb-1466	121	8	the	the	DET
ajbmeb-1466	121	9	analysis	analysis	NOUN
ajbmeb-1466	121	10	,	,	PUNCT
ajbmeb-1466	121	11	consistent	consistent	ADJ
ajbmeb-1466	121	12	with	with	ADP
ajbmeb-1466	121	13	the	the	DET
ajbmeb-1466	121	14	latest	late	ADJ
ajbmeb-1466	121	15	scientific	scientific	ADJ
ajbmeb-1466	121	16	literature	literature	NOUN
ajbmeb-1466	121	17	,	,	PUNCT
ajbmeb-1466	121	18	confirm	confirm	VERB
ajbmeb-1466	121	19	the	the	DET
ajbmeb-1466	121	20	importance	importance	NOUN
ajbmeb-1466	121	21	of	of	ADP
ajbmeb-1466	121	22	the	the	DET
ajbmeb-1466	121	23	following	follow	VERB
ajbmeb-1466	121	24	factors	factor	NOUN
ajbmeb-1466	121	25	for	for	ADP
ajbmeb-1466	121	26	increasing	increase	VERB
ajbmeb-1466	121	27	bank	bank	NOUN
ajbmeb-1466	121	28	profitability	profitability	NOUN
ajbmeb-1466	121	29	:	:	PUNCT
ajbmeb-1466	121	30	maintaining	maintain	VERB
ajbmeb-1466	121	31	an	an	DET
ajbmeb-1466	121	32	optimal	optimal	ADJ
ajbmeb-1466	121	33	liquidity	liquidity	NOUN
ajbmeb-1466	121	34	balance	balance	NOUN
ajbmeb-1466	121	35	,	,	PUNCT
ajbmeb-1466	121	36	pursuing	pursue	VERB
ajbmeb-1466	121	37	a	a	DET
ajbmeb-1466	121	38	prudent	prudent	ADJ
ajbmeb-1466	121	39	investment	investment	NOUN
ajbmeb-1466	121	40	strategy	strategy	NOUN
ajbmeb-1466	121	41	,	,	PUNCT
ajbmeb-1466	121	42	and	and	CCONJ
ajbmeb-1466	121	43	diversifying	diversify	VERB
ajbmeb-1466	121	44	income	income	NOUN
ajbmeb-1466	121	45	sources	source	NOUN
ajbmeb-1466	121	46	.	.	PUNCT
ajbmeb-1466	122	1	the	the	DET
ajbmeb-1466	122	2	results	result	NOUN
ajbmeb-1466	122	3	of	of	ADP
ajbmeb-1466	122	4	the	the	DET
ajbmeb-1466	122	5	fixed	fix	VERB
ajbmeb-1466	122	6	effects	effect	NOUN
ajbmeb-1466	122	7	model	model	NOUN
ajbmeb-1466	122	8	are	be	AUX
ajbmeb-1466	122	9	consistent	consistent	ADJ
ajbmeb-1466	122	10	with	with	ADP
ajbmeb-1466	122	11	both	both	CCONJ
ajbmeb-1466	122	12	the	the	DET
ajbmeb-1466	122	13	classical	classical	ADJ
ajbmeb-1466	122	14	and	and	CCONJ
ajbmeb-1466	122	15	contemporary	contemporary	ADJ
ajbmeb-1466	122	16	literature	literature	NOUN
ajbmeb-1466	122	17	.	.	PUNCT
ajbmeb-1466	123	1	lending	lending	NOUN
ajbmeb-1466	123	2	activity	activity	NOUN
ajbmeb-1466	123	3	and	and	CCONJ
ajbmeb-1466	123	4	interbank	interbank	NOUN
ajbmeb-1466	123	5	funds	fund	NOUN
ajbmeb-1466	123	6	management	management	NOUN
ajbmeb-1466	123	7	are	be	AUX
ajbmeb-1466	123	8	confirmed	confirm	VERB
ajbmeb-1466	123	9	as	as	ADP
ajbmeb-1466	123	10	the	the	DET
ajbmeb-1466	123	11	main	main	ADJ
ajbmeb-1466	123	12	drivers	driver	NOUN
ajbmeb-1466	123	13	of	of	ADP
ajbmeb-1466	123	14	nim	nim	PROPN
ajbmeb-1466	123	15	.	.	PUNCT
ajbmeb-1466	124	1	while	while	SCONJ
ajbmeb-1466	124	2	other	other	ADJ
ajbmeb-1466	124	3	variables	variable	NOUN
ajbmeb-1466	124	4	–	–	PUNCT
ajbmeb-1466	124	5	liquidity	liquidity	NOUN
ajbmeb-1466	124	6	,	,	PUNCT
ajbmeb-1466	124	7	leverage	leverage	NOUN
ajbmeb-1466	124	8	and	and	CCONJ
ajbmeb-1466	124	9	cash	cash	NOUN
ajbmeb-1466	124	10	assets	asset	NOUN
ajbmeb-1466	124	11	–	–	PUNCT
ajbmeb-1466	124	12	are	be	AUX
ajbmeb-1466	124	13	theoretically	theoretically	ADV
ajbmeb-1466	124	14	important	important	ADJ
ajbmeb-1466	124	15	,	,	PUNCT
ajbmeb-1466	124	16	their	their	PRON
ajbmeb-1466	124	17	impact	impact	NOUN
ajbmeb-1466	124	18	is	be	AUX
ajbmeb-1466	124	19	less	less	ADJ
ajbmeb-1466	124	20	in	in	ADP
ajbmeb-1466	124	21	this	this	DET
ajbmeb-1466	124	22	sample	sample	NOUN
ajbmeb-1466	124	23	.	.	PUNCT
ajbmeb-1466	125	1	this	this	PRON
ajbmeb-1466	125	2	may	may	AUX
ajbmeb-1466	125	3	be	be	AUX
ajbmeb-1466	125	4	due	due	ADJ
ajbmeb-1466	125	5	to	to	ADP
ajbmeb-1466	125	6	changes	change	NOUN
ajbmeb-1466	125	7	in	in	ADP
ajbmeb-1466	125	8	financial	financial	ADJ
ajbmeb-1466	125	9	regulation	regulation	NOUN
ajbmeb-1466	125	10	or	or	CCONJ
ajbmeb-1466	125	11	the	the	DET
ajbmeb-1466	125	12	impact	impact	NOUN
ajbmeb-1466	125	13	of	of	ADP
ajbmeb-1466	125	14	bank	bank	NOUN
ajbmeb-1466	125	15	-	-	PUNCT
ajbmeb-1466	125	16	specific	specific	ADJ
ajbmeb-1466	125	17	strategies	strategy	NOUN
ajbmeb-1466	125	18	.	.	PUNCT
ajbmeb-1466	126	1	references	reference	NOUN
ajbmeb-1466	126	2	1	1	NUM
ajbmeb-1466	126	3	.	.	PUNCT
ajbmeb-1466	126	4	decree	decree	NOUN
ajbmeb-1466	126	5	of	of	ADP
ajbmeb-1466	126	6	the	the	DET
ajbmeb-1466	126	7	president	president	NOUN
ajbmeb-1466	126	8	of	of	ADP
ajbmeb-1466	126	9	the	the	DET
ajbmeb-1466	126	10	republic	republic	NOUN
ajbmeb-1466	126	11	of	of	ADP
ajbmeb-1466	126	12	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	126	13	dated	date	VERB
ajbmeb-1466	126	14	may	may	PROPN
ajbmeb-1466	126	15	12	12	NUM
ajbmeb-1466	126	16	,	,	PUNCT
ajbmeb-1466	126	17	2020	2020	NUM
ajbmeb-1466	126	18	no	no	NOUN
ajbmeb-1466	126	19	.	.	PUNCT
ajbmeb-1466	126	20	pf-5992	pf-5992	PROPN
ajbmeb-1466	126	21	“	"	PUNCT
ajbmeb-1466	126	22	on	on	ADP
ajbmeb-1466	126	23	the	the	DET
ajbmeb-1466	126	24	strategy	strategy	NOUN
ajbmeb-1466	126	25	for	for	ADP
ajbmeb-1466	126	26	reforming	reform	VERB
ajbmeb-1466	126	27	the	the	DET
ajbmeb-1466	126	28	banking	banking	NOUN
ajbmeb-1466	126	29	system	system	NOUN
ajbmeb-1466	126	30	of	of	ADP
ajbmeb-1466	126	31	the	the	DET
ajbmeb-1466	126	32	republic	republic	NOUN
ajbmeb-1466	126	33	of	of	ADP
ajbmeb-1466	126	34	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	126	35	for	for	ADP
ajbmeb-1466	126	36	2020	2020	NUM
ajbmeb-1466	126	37	-	-	SYM
ajbmeb-1466	126	38	2025	2025	NUM
ajbmeb-1466	126	39	”	"	PUNCT
ajbmeb-1466	126	40	.	.	PUNCT
ajbmeb-1466	127	1	https://lex.uz/docs/4811025	https://lex.uz/docs/4811025	ADP
ajbmeb-1466	127	2	2	2	NUM
ajbmeb-1466	127	3	.	.	X
ajbmeb-1466	127	4	regulation	regulation	NOUN
ajbmeb-1466	127	5	"	"	PUNCT
ajbmeb-1466	127	6	on	on	ADP
ajbmeb-1466	127	7	the	the	DET
ajbmeb-1466	127	8	classification	classification	NOUN
ajbmeb-1466	127	9	of	of	ADP
ajbmeb-1466	127	10	asset	asset	NOUN
ajbmeb-1466	127	11	quality	quality	NOUN
ajbmeb-1466	127	12	in	in	ADP
ajbmeb-1466	127	13	commercial	commercial	ADJ
ajbmeb-1466	127	14	banks	bank	NOUN
ajbmeb-1466	127	15	and	and	CCONJ
ajbmeb-1466	127	16	the	the	DET
ajbmeb-1466	127	17	procedure	procedure	NOUN
ajbmeb-1466	127	18	for	for	ADP
ajbmeb-1466	127	19	the	the	DET
ajbmeb-1466	127	20	formation	formation	NOUN
ajbmeb-1466	127	21	and	and	CCONJ
ajbmeb-1466	127	22	use	use	NOUN
ajbmeb-1466	127	23	of	of	ADP
ajbmeb-1466	127	24	reserves	reserve	NOUN
ajbmeb-1466	127	25	to	to	PART
ajbmeb-1466	127	26	cover	cover	VERB
ajbmeb-1466	127	27	potential	potential	ADJ
ajbmeb-1466	127	28	losses	loss	NOUN
ajbmeb-1466	127	29	on	on	ADP
ajbmeb-1466	127	30	assets	asset	NOUN
ajbmeb-1466	127	31	"	"	PUNCT
ajbmeb-1466	127	32	,	,	PUNCT
ajbmeb-1466	127	33	approved	approve	VERB
ajbmeb-1466	127	34	by	by	ADP
ajbmeb-1466	127	35	the	the	DET
ajbmeb-1466	127	36	resolution	resolution	NOUN
ajbmeb-1466	127	37	of	of	ADP
ajbmeb-1466	127	38	the	the	DET
ajbmeb-1466	127	39	board	board	NOUN
ajbmeb-1466	127	40	of	of	ADP
ajbmeb-1466	127	41	the	the	DET
ajbmeb-1466	127	42	central	central	ADJ
ajbmeb-1466	127	43	bank	bank	NOUN
ajbmeb-1466	127	44	of	of	ADP
ajbmeb-1466	127	45	the	the	DET
ajbmeb-1466	127	46	republic	republic	NOUN
ajbmeb-1466	127	47	of	of	ADP
ajbmeb-1466	127	48	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	127	49	no	no	PROPN
ajbmeb-1466	127	50	.	.	PUNCT
ajbmeb-1466	127	51	14/5	14/5	NUM
ajbmeb-1466	127	52	dated	date	VERB
ajbmeb-1466	127	53	june	june	PROPN
ajbmeb-1466	127	54	13	13	NUM
ajbmeb-1466	127	55	,	,	PUNCT
ajbmeb-1466	127	56	2015	2015	NUM
ajbmeb-1466	127	57	and	and	CCONJ
ajbmeb-1466	127	58	state	state	NOUN
ajbmeb-1466	127	59	registered	register	VERB
ajbmeb-1466	127	60	by	by	ADP
ajbmeb-1466	127	61	the	the	DET
ajbmeb-1466	127	62	ministry	ministry	PROPN
ajbmeb-1466	127	63	of	of	ADP
ajbmeb-1466	127	64	justice	justice	PROPN
ajbmeb-1466	127	65	of	of	ADP
ajbmeb-1466	127	66	the	the	DET
ajbmeb-1466	127	67	republic	republic	NOUN
ajbmeb-1466	127	68	of	of	ADP
ajbmeb-1466	127	69	uzbekistan	uzbekistan	PROPN
ajbmeb-1466	127	70	no	no	PROPN
ajbmeb-1466	127	71	.	.	PROPN
ajbmeb-1466	127	72	2696	2696	NUM
ajbmeb-1466	127	73	on	on	ADP
ajbmeb-1466	127	74	july	july	PROPN
ajbmeb-1466	127	75	14	14	NUM
ajbmeb-1466	127	76	,	,	PUNCT
ajbmeb-1466	127	77	2015	2015	NUM
ajbmeb-1466	127	78	.	.	PUNCT
ajbmeb-1466	128	1	3	3	X
ajbmeb-1466	128	2	.	.	X
ajbmeb-1466	128	3	синки	синки	VERB
ajbmeb-1466	128	4	дж.фи	дж.фи	PROPN
ajbmeb-1466	128	5	финансовый	финансовый	NOUN
ajbmeb-1466	128	6	менеджмент	менеджмент	ADJ
ajbmeb-1466	128	7	в	в	PROPN
ajbmeb-1466	128	8	коммерческом	коммерческом	ADJ
ajbmeb-1466	128	9	банке	банке	PROPN
ajbmeb-1466	128	10	и	и	PROPN
ajbmeb-1466	128	11	в	в	PROPN
ajbmeb-1466	128	12	индустрии	индустрии	VERB
ajbmeb-1466	128	13	финансовых	финансовых	PROPN
ajbmeb-1466	128	14	услуг	услуг	PROPN
ajbmeb-1466	128	15	/	/	SYM
ajbmeb-1466	128	16	москва	москва	PROPN
ajbmeb-1466	128	17	:	:	PUNCT
ajbmeb-1466	128	18	альп	альп	NOUN
ajbmeb-1466	128	19	.	.	PUNCT
ajbmeb-1466	129	1	бизнес	бизнес	NOUN
ajbmeb-1466	129	2	букс	букс	PROPN
ajbmeb-1466	129	3	,	,	PUNCT
ajbmeb-1466	129	4	2007	2007	NUM
ajbmeb-1466	129	5	.	.	PUNCT
ajbmeb-1466	130	1	1018	1018	NUM
ajbmeb-1466	130	2	с	с	NOUN
ajbmeb-1466	130	3	.	.	PROPN
ajbmeb-1466	130	4	4	4	NUM
ajbmeb-1466	130	5	.	.	X
ajbmeb-1466	130	6	лаврушин	лаврушин	PROPN
ajbmeb-1466	130	7	о.и	о.и	PROPN
ajbmeb-1466	130	8	.	.	PUNCT
ajbmeb-1466	131	1	банковский	банковский	NUM
ajbmeb-1466	131	2	менежмент	менежмент	ADJ
ajbmeb-1466	131	3	.	.	PUNCT
ajbmeb-1466	132	1	-м	-м	PUNCT
ajbmeb-1466	132	2	.	.	PUNCT
ajbmeb-1466	133	1	кнорус	кнорус	VERB
ajbmeb-1466	133	2	,	,	PUNCT
ajbmeb-1466	133	3	2009	2009	NUM
ajbmeb-1466	133	4	.	.	PUNCT
ajbmeb-1466	134	1	с	с	PROPN
ajbmeb-1466	134	2	.	.	PROPN
ajbmeb-1466	135	1	308	308	NUM
ajbmeb-1466	135	2	5	5	NUM
ajbmeb-1466	135	3	.	.	PUNCT
ajbmeb-1466	136	1	питер	питер	NOUN
ajbmeb-1466	136	2	с.роуз	с.роуз	NOUN
ajbmeb-1466	136	3	.	.	PUNCT
ajbmeb-1466	137	1	банковский	банковский	NUM
ajbmeb-1466	137	2	менеджмент	менеджмент	ADJ
ajbmeb-1466	137	3	.	.	PUNCT
ajbmeb-1466	138	1	6	6	X
ajbmeb-1466	138	2	.	.	X
ajbmeb-1466	138	3	bourke	bourke	PROPN
ajbmeb-1466	138	4	,	,	PUNCT
ajbmeb-1466	138	5	p.	p.	PROPN
ajbmeb-1466	138	6	(	(	PUNCT
ajbmeb-1466	138	7	1989	1989	NUM
ajbmeb-1466	138	8	)	)	PUNCT
ajbmeb-1466	138	9	.	.	PUNCT
ajbmeb-1466	139	1	concentration	concentration	NOUN
ajbmeb-1466	139	2	and	and	CCONJ
ajbmeb-1466	139	3	other	other	ADJ
ajbmeb-1466	139	4	determinants	determinant	NOUN
ajbmeb-1466	139	5	of	of	ADP
ajbmeb-1466	139	6	bank	bank	NOUN
ajbmeb-1466	139	7	profitability	profitability	NOUN
ajbmeb-1466	139	8	in	in	ADP
ajbmeb-1466	139	9	europe	europe	PROPN
ajbmeb-1466	139	10	,	,	PUNCT
ajbmeb-1466	139	11	north	north	PROPN
ajbmeb-1466	139	12	america	america	PROPN
ajbmeb-1466	139	13	and	and	CCONJ
ajbmeb-1466	139	14	australia	australia	PROPN
ajbmeb-1466	139	15	.	.	PUNCT
ajbmeb-1466	140	1	journal	journal	PROPN
ajbmeb-1466	140	2	of	of	ADP
ajbmeb-1466	140	3	banking	banking	NOUN
ajbmeb-1466	140	4	&	&	CCONJ
ajbmeb-1466	140	5	finance	finance	PROPN
ajbmeb-1466	140	6	,	,	PUNCT
ajbmeb-1466	140	7	13(1	13(1	NUM
ajbmeb-1466	140	8	)	)	PUNCT
ajbmeb-1466	140	9	,	,	PUNCT
ajbmeb-1466	140	10	65–79	65–79	ADV
ajbmeb-1466	140	11	.	.	PUNCT
ajbmeb-1466	141	1	7	7	X
ajbmeb-1466	141	2	.	.	X
ajbmeb-1466	141	3	molyneux	molyneux	PROPN
ajbmeb-1466	141	4	,	,	PUNCT
ajbmeb-1466	141	5	p.	p.	PROPN
ajbmeb-1466	141	6	,	,	PUNCT
ajbmeb-1466	141	7	&	&	CCONJ
ajbmeb-1466	141	8	thornton	thornton	PROPN
ajbmeb-1466	141	9	,	,	PUNCT
ajbmeb-1466	141	10	j.	j.	PROPN
ajbmeb-1466	141	11	(	(	PUNCT
ajbmeb-1466	141	12	1992	1992	NUM
ajbmeb-1466	141	13	)	)	PUNCT
ajbmeb-1466	141	14	.	.	PUNCT
ajbmeb-1466	142	1	determinants	determinant	NOUN
ajbmeb-1466	142	2	of	of	ADP
ajbmeb-1466	142	3	european	european	PROPN
ajbmeb-1466	142	4	bank	bank	PROPN
ajbmeb-1466	142	5	profitability	profitability	NOUN
ajbmeb-1466	142	6	:	:	PUNCT
ajbmeb-1466	142	7	a	a	DET
ajbmeb-1466	142	8	note	note	NOUN
ajbmeb-1466	142	9	.	.	PUNCT
ajbmeb-1466	143	1	journal	journal	NOUN
ajbmeb-1466	143	2	of	of	ADP
ajbmeb-1466	143	3	banking	banking	NOUN
ajbmeb-1466	143	4	&	&	CCONJ
ajbmeb-1466	143	5	finance	finance	PROPN
ajbmeb-1466	143	6	,	,	PUNCT
ajbmeb-1466	143	7	16(6	16(6	NUM
ajbmeb-1466	143	8	)	)	PUNCT
ajbmeb-1466	143	9	,	,	PUNCT
ajbmeb-1466	143	10	1173–1178	1173–1178	NUM
ajbmeb-1466	143	11	.	.	PUNCT
ajbmeb-1466	144	1	8	8	NUM
ajbmeb-1466	144	2	.	.	X
ajbmeb-1466	145	1	dietrich	dietrich	PROPN
ajbmeb-1466	145	2	,	,	PUNCT
ajbmeb-1466	145	3	a.	a.	PROPN
ajbmeb-1466	145	4	,	,	PUNCT
ajbmeb-1466	145	5	&	&	CCONJ
ajbmeb-1466	145	6	wanzenried	wanzenrie	VERB
ajbmeb-1466	145	7	,	,	PUNCT
ajbmeb-1466	145	8	g.	g.	PROPN
ajbmeb-1466	145	9	(	(	PUNCT
ajbmeb-1466	145	10	2014	2014	NUM
ajbmeb-1466	145	11	)	)	PUNCT
ajbmeb-1466	145	12	.	.	PUNCT
ajbmeb-1466	146	1	the	the	DET
ajbmeb-1466	146	2	determinants	determinant	NOUN
ajbmeb-1466	146	3	of	of	ADP
ajbmeb-1466	146	4	commercial	commercial	ADJ
ajbmeb-1466	146	5	banking	banking	NOUN
ajbmeb-1466	146	6	profitability	profitability	NOUN
ajbmeb-1466	146	7	in	in	ADP
ajbmeb-1466	146	8	https://lex.uz/docs/4811025	https://lex.uz/docs/4811025	ADP
ajbmeb-1466	146	9	american	american	ADJ
ajbmeb-1466	146	10	journal	journal	PROPN
ajbmeb-1466	146	11	of	of	ADP
ajbmeb-1466	146	12	business	business	NOUN
ajbmeb-1466	146	13	management	management	NOUN
ajbmeb-1466	146	14	,	,	PUNCT
ajbmeb-1466	146	15	economics	economic	NOUN
ajbmeb-1466	146	16	and	and	CCONJ
ajbmeb-1466	146	17	banking	banking	NOUN
ajbmeb-1466	146	18	volume	volume	NOUN
ajbmeb-1466	146	19	39	39	NUM
ajbmeb-1466	146	20	august2025	august2025	PROPN
ajbmeb-1466	146	21	p	p	NOUN
ajbmeb-1466	146	22	a	a	DET
ajbmeb-1466	146	23	g	g	NOUN
ajbmeb-1466	146	24	e	e	NOUN
ajbmeb-1466	146	25	|	|	ADV
ajbmeb-1466	146	26	15	15	NUM
ajbmeb-1466	146	27	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1466	146	28	low-	low-	NOUN
ajbmeb-1466	146	29	,	,	PUNCT
ajbmeb-1466	146	30	middle-	middle-	X
ajbmeb-1466	146	31	,	,	PUNCT
ajbmeb-1466	146	32	and	and	CCONJ
ajbmeb-1466	146	33	high	high	ADJ
ajbmeb-1466	146	34	-	-	PUNCT
ajbmeb-1466	146	35	income	income	NOUN
ajbmeb-1466	146	36	countries	country	NOUN
ajbmeb-1466	146	37	.	.	PUNCT
ajbmeb-1466	147	1	the	the	DET
ajbmeb-1466	147	2	quarterly	quarterly	ADJ
ajbmeb-1466	147	3	review	review	NOUN
ajbmeb-1466	147	4	of	of	ADP
ajbmeb-1466	147	5	economics	economic	NOUN
ajbmeb-1466	147	6	and	and	CCONJ
ajbmeb-1466	147	7	finance	finance	NOUN
ajbmeb-1466	147	8	,	,	PUNCT
ajbmeb-1466	147	9	54(3	54(3	NUM
ajbmeb-1466	147	10	)	)	PUNCT
ajbmeb-1466	147	11	,	,	PUNCT
ajbmeb-1466	147	12	337–354	337–354	NUM
ajbmeb-1466	147	13	.	.	NOUN
ajbmeb-1466	147	14	9	9	NUM
ajbmeb-1466	147	15	.	.	PUNCT
ajbmeb-1466	147	16	ahamed	ahame	VERB
ajbmeb-1466	147	17	,	,	PUNCT
ajbmeb-1466	147	18	m.	m.	NOUN
ajbmeb-1466	147	19	m.	m.	NOUN
ajbmeb-1466	147	20	(	(	PUNCT
ajbmeb-1466	147	21	2017	2017	NUM
ajbmeb-1466	147	22	)	)	PUNCT
ajbmeb-1466	147	23	.	.	PUNCT
ajbmeb-1466	148	1	asset	asset	NOUN
ajbmeb-1466	148	2	quality	quality	NOUN
ajbmeb-1466	148	3	,	,	PUNCT
ajbmeb-1466	148	4	non	non	ADJ
ajbmeb-1466	148	5	-	-	ADJ
ajbmeb-1466	148	6	interest	interest	ADJ
ajbmeb-1466	148	7	income	income	NOUN
ajbmeb-1466	148	8	,	,	PUNCT
ajbmeb-1466	148	9	and	and	CCONJ
ajbmeb-1466	148	10	bank	bank	NOUN
ajbmeb-1466	148	11	profitability	profitability	NOUN
ajbmeb-1466	148	12	:	:	PUNCT
ajbmeb-1466	148	13	evidence	evidence	NOUN
ajbmeb-1466	148	14	from	from	ADP
ajbmeb-1466	148	15	indian	indian	ADJ
ajbmeb-1466	148	16	banks	bank	NOUN
ajbmeb-1466	148	17	.	.	PUNCT
ajbmeb-1466	149	1	economic	economic	ADJ
ajbmeb-1466	149	2	modelling	modelling	NOUN
ajbmeb-1466	149	3	,	,	PUNCT
ajbmeb-1466	149	4	63	63	NUM
ajbmeb-1466	149	5	,	,	PUNCT
ajbmeb-1466	149	6	1–14	1–14	PROPN
ajbmeb-1466	149	7	.	.	PROPN
ajbmeb-1466	149	8	10	10	NUM
ajbmeb-1466	149	9	.	.	PUNCT
ajbmeb-1466	150	1	hashem	hashem	PROPN
ajbmeb-1466	150	2	,	,	PUNCT
ajbmeb-1466	150	3	d.	d.	PROPN
ajbmeb-1466	150	4	(	(	PUNCT
ajbmeb-1466	150	5	2021	2021	NUM
ajbmeb-1466	150	6	)	)	PUNCT
ajbmeb-1466	150	7	.	.	PUNCT
ajbmeb-1466	151	1	central	central	PROPN
ajbmeb-1466	151	2	bank	bank	PROPN
ajbmeb-1466	151	3	responses	response	NOUN
ajbmeb-1466	151	4	to	to	ADP
ajbmeb-1466	151	5	covid-19	covid-19	PROPN
ajbmeb-1466	151	6	and	and	CCONJ
ajbmeb-1466	151	7	bank	bank	NOUN
ajbmeb-1466	151	8	profitability	profitability	NOUN
ajbmeb-1466	151	9	in	in	ADP
ajbmeb-1466	151	10	the	the	DET
ajbmeb-1466	151	11	mena	mena	PROPN
ajbmeb-1466	151	12	region	region	PROPN
ajbmeb-1466	151	13	.	.	PUNCT
ajbmeb-1466	152	1	journal	journal	PROPN
ajbmeb-1466	152	2	of	of	ADP
ajbmeb-1466	152	3	economic	economic	ADJ
ajbmeb-1466	152	4	studies	study	NOUN
ajbmeb-1466	152	5	,	,	PUNCT
ajbmeb-1466	152	6	48(6	48(6	NOUN
ajbmeb-1466	152	7	)	)	PUNCT
ajbmeb-1466	152	8	,	,	PUNCT
ajbmeb-1466	152	9	1221–1243	1221–1243	NUM
ajbmeb-1466	152	10	.	.	PUNCT
ajbmeb-1466	153	1	11	11	NUM
ajbmeb-1466	153	2	.	.	PUNCT
ajbmeb-1466	154	1	athanasoglou	athanasoglou	PROPN
ajbmeb-1466	154	2	,	,	PUNCT
ajbmeb-1466	154	3	p.	p.	PROPN
ajbmeb-1466	154	4	p.	p.	PROPN
ajbmeb-1466	154	5	,	,	PUNCT
ajbmeb-1466	154	6	brissimis	brissimis	PROPN
ajbmeb-1466	154	7	,	,	PUNCT
ajbmeb-1466	154	8	s.	s.	PROPN
ajbmeb-1466	154	9	n.	n.	PROPN
ajbmeb-1466	154	10	,	,	PUNCT
ajbmeb-1466	154	11	&	&	CCONJ
ajbmeb-1466	154	12	delis	deli	NOUN
ajbmeb-1466	154	13	,	,	PUNCT
ajbmeb-1466	154	14	m.	m.	NOUN
ajbmeb-1466	154	15	d.	d.	PROPN
ajbmeb-1466	154	16	(	(	PUNCT
ajbmeb-1466	154	17	2008	2008	NUM
ajbmeb-1466	154	18	)	)	PUNCT
ajbmeb-1466	154	19	.	.	PUNCT
ajbmeb-1466	155	1	bank	bank	NOUN
ajbmeb-1466	155	2	-	-	PUNCT
ajbmeb-1466	155	3	specific	specific	ADJ
ajbmeb-1466	155	4	,	,	PUNCT
ajbmeb-1466	155	5	industry	industry	NOUN
ajbmeb-1466	155	6	-	-	PUNCT
ajbmeb-1466	155	7	specific	specific	ADJ
ajbmeb-1466	155	8	and	and	CCONJ
ajbmeb-1466	155	9	macroeconomic	macroeconomic	ADJ
ajbmeb-1466	155	10	determinants	determinant	NOUN
ajbmeb-1466	155	11	of	of	ADP
ajbmeb-1466	155	12	bank	bank	NOUN
ajbmeb-1466	155	13	profitability	profitability	NOUN
ajbmeb-1466	155	14	.	.	PUNCT
ajbmeb-1466	156	1	journal	journal	PROPN
ajbmeb-1466	156	2	of	of	ADP
ajbmeb-1466	156	3	international	international	ADJ
ajbmeb-1466	156	4	financial	financial	ADJ
ajbmeb-1466	156	5	markets	market	NOUN
ajbmeb-1466	156	6	,	,	PUNCT
ajbmeb-1466	156	7	institutions	institution	NOUN
ajbmeb-1466	156	8	and	and	CCONJ
ajbmeb-1466	156	9	money	money	NOUN
ajbmeb-1466	156	10	,	,	PUNCT
ajbmeb-1466	156	11	18(2	18(2	NUM
ajbmeb-1466	156	12	)	)	PUNCT
ajbmeb-1466	156	13	,	,	PUNCT
ajbmeb-1466	156	14	121–136	121–136	NUM
ajbmeb-1466	156	15	.	.	PUNCT
ajbmeb-1466	157	1	12	12	NUM
ajbmeb-1466	157	2	.	.	PUNCT
ajbmeb-1466	157	3	djalilov	djalilov	PROPN
ajbmeb-1466	157	4	,	,	PUNCT
ajbmeb-1466	157	5	k.	k.	PROPN
ajbmeb-1466	157	6	,	,	PUNCT
ajbmeb-1466	157	7	&	&	CCONJ
ajbmeb-1466	157	8	piesse	piesse	PROPN
ajbmeb-1466	157	9	,	,	PUNCT
ajbmeb-1466	157	10	j.	j.	PROPN
ajbmeb-1466	157	11	(	(	PUNCT
ajbmeb-1466	157	12	2016	2016	NUM
ajbmeb-1466	157	13	)	)	PUNCT
ajbmeb-1466	157	14	.	.	PUNCT
ajbmeb-1466	158	1	determinants	determinant	NOUN
ajbmeb-1466	158	2	of	of	ADP
ajbmeb-1466	158	3	bank	bank	NOUN
ajbmeb-1466	158	4	profitability	profitability	NOUN
ajbmeb-1466	158	5	in	in	ADP
ajbmeb-1466	158	6	transition	transition	NOUN
ajbmeb-1466	158	7	countries	country	NOUN
ajbmeb-1466	158	8	:	:	PUNCT
ajbmeb-1466	158	9	what	what	PRON
ajbmeb-1466	158	10	matters	matter	VERB
ajbmeb-1466	158	11	most	most	ADV
ajbmeb-1466	158	12	?	?	PUNCT
ajbmeb-1466	158	13	.	.	PUNCT
ajbmeb-1466	159	1	research	research	NOUN
ajbmeb-1466	159	2	in	in	ADP
ajbmeb-1466	159	3	international	international	ADJ
ajbmeb-1466	159	4	business	business	NOUN
ajbmeb-1466	159	5	and	and	CCONJ
ajbmeb-1466	159	6	finance	finance	NOUN
ajbmeb-1466	159	7	,	,	PUNCT
ajbmeb-1466	159	8	38	38	NUM
ajbmeb-1466	159	9	,	,	PUNCT
ajbmeb-1466	159	10	69–82	69–82	NUM
ajbmeb-1466	159	11	.	.	PUNCT