id	sid	tid	token	lemma	pos
ajbmeb-1598	1	1	american	american	PROPN
ajbmeb-1598	1	2	journal	journal	PROPN
ajbmeb-1598	1	3	of	of	ADP
ajbmeb-1598	1	4	business	business	NOUN
ajbmeb-1598	1	5	management	management	NOUN
ajbmeb-1598	1	6	,	,	PUNCT
ajbmeb-1598	1	7	economics	economic	NOUN
ajbmeb-1598	1	8	and	and	CCONJ
ajbmeb-1598	1	9	banking	banking	NOUN
ajbmeb-1598	1	10	issn	issn	PROPN
ajbmeb-1598	1	11	(	(	PUNCT
ajbmeb-1598	1	12	e	e	NOUN
ajbmeb-1598	1	13	):	):	PUNCT
ajbmeb-1598	1	14	2832	2832	NUM
ajbmeb-1598	1	15	-	-	SYM
ajbmeb-1598	1	16	8078	8078	NUM
ajbmeb-1598	1	17	volume	volume	NOUN
ajbmeb-1598	1	18	19	19	NUM
ajbmeb-1598	1	19	,	,	PUNCT
ajbmeb-1598	1	20	|	|	ADV
ajbmeb-1598	1	21	december	december	PROPN
ajbmeb-1598	1	22	,	,	PUNCT
ajbmeb-1598	1	23	2023	2023	NUM
ajbmeb-1598	1	24	17	17	NUM
ajbmeb-1598	2	1	|	|	ADV
ajbmeb-1598	2	2	p	p	NOUN
ajbmeb-1598	2	3	a	a	DET
ajbmeb-1598	2	4	g	g	NOUN
ajbmeb-1598	2	5	e	e	NOUN
ajbmeb-1598	2	6	to	to	ADP
ajbmeb-1598	2	7	what	what	DET
ajbmeb-1598	2	8	extent	extent	NOUN
ajbmeb-1598	2	9	does	do	VERB
ajbmeb-1598	2	10	customers	customer	NOUN
ajbmeb-1598	2	11	’	’	PART
ajbmeb-1598	2	12	perspective	perspective	ADJ
ajbmeb-1598	2	13	influence	influence	NOUN
ajbmeb-1598	2	14	banking	banking	NOUN
ajbmeb-1598	2	15	liquidity	liquidity	NOUN
ajbmeb-1598	2	16	?	?	PUNCT
ajbmeb-1598	3	1	an	an	DET
ajbmeb-1598	3	2	applied	apply	VERB
ajbmeb-1598	3	3	research	research	NOUN
ajbmeb-1598	3	4	on	on	ADP
ajbmeb-1598	3	5	a	a	DET
ajbmeb-1598	3	6	sample	sample	NOUN
ajbmeb-1598	3	7	of	of	ADP
ajbmeb-1598	3	8	commercial	commercial	ADJ
ajbmeb-1598	3	9	banks	bank	NOUN
ajbmeb-1598	3	10	listed	list	VERB
ajbmeb-1598	3	11	on	on	ADP
ajbmeb-1598	3	12	the	the	DET
ajbmeb-1598	3	13	iraq	iraq	PROPN
ajbmeb-1598	3	14	stock	stock	PROPN
ajbmeb-1598	3	15	exchange	exchange	PROPN
ajbmeb-1598	3	16	ahmed	ahmed	PROPN
ajbmeb-1598	3	17	ali	ali	PROPN
ajbmeb-1598	3	18	kurd	kurd	PROPN
ajbmeb-1598	3	19	ministry	ministry	PROPN
ajbmeb-1598	3	20	of	of	ADP
ajbmeb-1598	3	21	education	education	PROPN
ajbmeb-1598	3	22	salah	salah	PROPN
ajbmeb-1598	3	23	al	al	PROPN
ajbmeb-1598	3	24	-	-	PUNCT
ajbmeb-1598	3	25	din	din	PROPN
ajbmeb-1598	3	26	education	education	NOUN
ajbmeb-1598	3	27	directorate	directorate	NOUN
ajbmeb-1598	3	28	ahmed.a.kurdi86@gmail.com	ahmed.a.kurdi86@gmail.com	X
ajbmeb-1598	3	29	dured	dure	VERB
ajbmeb-1598	3	30	musa	musa	PROPN
ajbmeb-1598	3	31	mahmoud	mahmoud	PROPN
ajbmeb-1598	3	32	university	university	PROPN
ajbmeb-1598	3	33	of	of	ADP
ajbmeb-1598	3	34	tikrit	tikrit	PROPN
ajbmeb-1598	3	35	college	college	PROPN
ajbmeb-1598	3	36	of	of	ADP
ajbmeb-1598	3	37	administration	administration	PROPN
ajbmeb-1598	3	38	and	and	CCONJ
ajbmeb-1598	3	39	economics	economics	PROPN
ajbmeb-1598	3	40	dured.aldore@tu.edu.iq	dured.aldore@tu.edu.iq	PROPN
ajbmeb-1598	3	41	ibrahim	ibrahim	PROPN
ajbmeb-1598	3	42	ali	ali	PROPN
ajbmeb-1598	3	43	kurdi	kurdi	PROPN
ajbmeb-1598	3	44	/	/	SYM
ajbmeb-1598	3	45	university	university	PROPN
ajbmeb-1598	3	46	of	of	ADP
ajbmeb-1598	3	47	tikrit	tikrit	PROPN
ajbmeb-1598	3	48	college	college	PROPN
ajbmeb-1598	3	49	of	of	ADP
ajbmeb-1598	3	50	administration	administration	NOUN
ajbmeb-1598	3	51	and	and	CCONJ
ajbmeb-1598	3	52	economics	economic	NOUN
ajbmeb-1598	3	53	im_li2001@tu.edu.iq	im_li2001@tu.edu.iq	PROPN
ajbmeb-1598	3	54	a	a	DET
ajbmeb-1598	3	55	b	b	PROPN
ajbmeb-1598	3	56	s	s	ADP
ajbmeb-1598	3	57	t	t	PROPN
ajbmeb-1598	3	58	r	r	NOUN
ajbmeb-1598	3	59	a	a	DET
ajbmeb-1598	3	60	c	c	NOUN
ajbmeb-1598	3	61	t	t	NOUN
ajbmeb-1598	4	1	k	k	X
ajbmeb-1598	4	2	e	e	PROPN
ajbmeb-1598	4	3	y	y	PROPN
ajbmeb-1598	4	4	w	w	NOUN
ajbmeb-1598	4	5	o	o	NOUN
ajbmeb-1598	4	6	r	r	NOUN
ajbmeb-1598	4	7	d	d	X
ajbmeb-1598	4	8	s	s	VERB
ajbmeb-1598	4	9	the	the	DET
ajbmeb-1598	4	10	research	research	NOUN
ajbmeb-1598	4	11	aims	aim	VERB
ajbmeb-1598	4	12	to	to	PART
ajbmeb-1598	4	13	demonstrate	demonstrate	VERB
ajbmeb-1598	4	14	the	the	DET
ajbmeb-1598	4	15	impact	impact	NOUN
ajbmeb-1598	4	16	of	of	ADP
ajbmeb-1598	4	17	customers	customer	NOUN
ajbmeb-1598	4	18	’	'	PUNCT
ajbmeb-1598	4	19	perspective	perspective	NOUN
ajbmeb-1598	4	20	on	on	ADP
ajbmeb-1598	4	21	the	the	DET
ajbmeb-1598	4	22	bank	bank	NOUN
ajbmeb-1598	4	23	’s	’s	PART
ajbmeb-1598	4	24	liquidity	liquidity	NOUN
ajbmeb-1598	4	25	.	.	PUNCT
ajbmeb-1598	5	1	the	the	DET
ajbmeb-1598	5	2	study	study	NOUN
ajbmeb-1598	5	3	relied	rely	VERB
ajbmeb-1598	5	4	on	on	ADP
ajbmeb-1598	5	5	a	a	DET
ajbmeb-1598	5	6	descriptive	descriptive	ADJ
ajbmeb-1598	5	7	study	study	NOUN
ajbmeb-1598	5	8	approach	approach	NOUN
ajbmeb-1598	5	9	to	to	PART
ajbmeb-1598	5	10	study	study	VERB
ajbmeb-1598	5	11	the	the	DET
ajbmeb-1598	5	12	reality	reality	NOUN
ajbmeb-1598	5	13	of	of	ADP
ajbmeb-1598	5	14	commercial	commercial	ADJ
ajbmeb-1598	5	15	banks	bank	NOUN
ajbmeb-1598	5	16	.	.	PUNCT
ajbmeb-1598	6	1	the	the	DET
ajbmeb-1598	6	2	study	study	NOUN
ajbmeb-1598	6	3	sample	sample	NOUN
ajbmeb-1598	6	4	was	be	AUX
ajbmeb-1598	6	5	based	base	VERB
ajbmeb-1598	6	6	on	on	ADP
ajbmeb-1598	6	7	the	the	DET
ajbmeb-1598	6	8	inductive	inductive	ADJ
ajbmeb-1598	6	9	and	and	CCONJ
ajbmeb-1598	6	10	deductive	deductive	ADJ
ajbmeb-1598	6	11	method	method	NOUN
ajbmeb-1598	6	12	in	in	ADP
ajbmeb-1598	6	13	defining	define	VERB
ajbmeb-1598	6	14	a	a	DET
ajbmeb-1598	6	15	problem	problem	NOUN
ajbmeb-1598	6	16	and	and	CCONJ
ajbmeb-1598	6	17	giving	give	VERB
ajbmeb-1598	6	18	a	a	DET
ajbmeb-1598	6	19	theoretical	theoretical	ADJ
ajbmeb-1598	6	20	framework	framework	NOUN
ajbmeb-1598	6	21	on	on	ADP
ajbmeb-1598	6	22	the	the	DET
ajbmeb-1598	6	23	nature	nature	NOUN
ajbmeb-1598	6	24	of	of	ADP
ajbmeb-1598	6	25	the	the	DET
ajbmeb-1598	6	26	relevant	relevant	ADJ
ajbmeb-1598	6	27	international	international	ADJ
ajbmeb-1598	6	28	standards	standard	NOUN
ajbmeb-1598	6	29	and	and	CCONJ
ajbmeb-1598	6	30	their	their	PRON
ajbmeb-1598	6	31	impact	impact	NOUN
ajbmeb-1598	6	32	.	.	PUNCT
ajbmeb-1598	7	1	the	the	DET
ajbmeb-1598	7	2	analytical	analytical	ADJ
ajbmeb-1598	7	3	method	method	NOUN
ajbmeb-1598	7	4	was	be	AUX
ajbmeb-1598	7	5	relied	rely	VERB
ajbmeb-1598	7	6	upon	upon	SCONJ
ajbmeb-1598	7	7	through	through	ADP
ajbmeb-1598	7	8	the	the	DET
ajbmeb-1598	7	9	researchers	researcher	NOUN
ajbmeb-1598	7	10	provided	provide	VERB
ajbmeb-1598	7	11	a	a	DET
ajbmeb-1598	7	12	practical	practical	ADJ
ajbmeb-1598	7	13	framework	framework	NOUN
ajbmeb-1598	7	14	for	for	ADP
ajbmeb-1598	7	15	the	the	DET
ajbmeb-1598	7	16	most	most	ADV
ajbmeb-1598	7	17	common	common	ADJ
ajbmeb-1598	7	18	banking	banking	NOUN
ajbmeb-1598	7	19	performance	performance	NOUN
ajbmeb-1598	7	20	indicators	indicator	NOUN
ajbmeb-1598	7	21	for	for	ADP
ajbmeb-1598	7	22	analyzing	analyze	VERB
ajbmeb-1598	7	23	the	the	DET
ajbmeb-1598	7	24	financial	financial	ADJ
ajbmeb-1598	7	25	data	datum	NOUN
ajbmeb-1598	7	26	of	of	ADP
ajbmeb-1598	7	27	the	the	DET
ajbmeb-1598	7	28	commercial	commercial	ADJ
ajbmeb-1598	7	29	banks	bank	NOUN
ajbmeb-1598	7	30	in	in	ADP
ajbmeb-1598	7	31	the	the	DET
ajbmeb-1598	7	32	study	study	NOUN
ajbmeb-1598	7	33	sample	sample	NOUN
ajbmeb-1598	7	34	,	,	PUNCT
ajbmeb-1598	7	35	as	as	SCONJ
ajbmeb-1598	7	36	banks	bank	NOUN
ajbmeb-1598	7	37	were	be	AUX
ajbmeb-1598	7	38	selected	select	VERB
ajbmeb-1598	7	39	from	from	ADP
ajbmeb-1598	7	40	the	the	DET
ajbmeb-1598	7	41	banking	banking	NOUN
ajbmeb-1598	7	42	sector	sector	NOUN
ajbmeb-1598	7	43	within	within	ADP
ajbmeb-1598	7	44	the	the	DET
ajbmeb-1598	7	45	commercial	commercial	ADJ
ajbmeb-1598	7	46	banks	bank	NOUN
ajbmeb-1598	7	47	listed	list	VERB
ajbmeb-1598	7	48	on	on	ADP
ajbmeb-1598	7	49	the	the	DET
ajbmeb-1598	7	50	iraq	iraq	PROPN
ajbmeb-1598	7	51	stock	stock	NOUN
ajbmeb-1598	7	52	exchange	exchange	PROPN
ajbmeb-1598	7	53	,	,	PUNCT
ajbmeb-1598	7	54	namely	namely	ADV
ajbmeb-1598	7	55	(	(	PUNCT
ajbmeb-1598	7	56	the	the	DET
ajbmeb-1598	7	57	bank	bank	NOUN
ajbmeb-1598	7	58	of	of	ADP
ajbmeb-1598	7	59	baghdad	baghdad	PROPN
ajbmeb-1598	7	60	,	,	PUNCT
ajbmeb-1598	7	61	the	the	DET
ajbmeb-1598	7	62	assyria	assyria	PROPN
ajbmeb-1598	7	63	international	international	PROPN
ajbmeb-1598	7	64	investment	investment	NOUN
ajbmeb-1598	7	65	bank	bank	NOUN
ajbmeb-1598	7	66	,	,	PUNCT
ajbmeb-1598	7	67	and	and	CCONJ
ajbmeb-1598	7	68	trans	trans	PROPN
ajbmeb-1598	7	69	-	-	PROPN
ajbmeb-1598	7	70	iraq	iraq	PROPN
ajbmeb-1598	7	71	bank	bank	PROPN
ajbmeb-1598	7	72	)	)	PUNCT
ajbmeb-1598	7	73	.	.	PUNCT
ajbmeb-1598	7	74	.	.	PUNCT
ajbmeb-1598	8	1	for	for	ADP
ajbmeb-1598	8	2	the	the	DET
ajbmeb-1598	8	3	period	period	NOUN
ajbmeb-1598	8	4	from	from	ADP
ajbmeb-1598	8	5	2017	2017	NUM
ajbmeb-1598	8	6	to	to	ADP
ajbmeb-1598	8	7	2020	2020	NUM
ajbmeb-1598	8	8	,	,	PUNCT
ajbmeb-1598	8	9	the	the	DET
ajbmeb-1598	8	10	study	study	NOUN
ajbmeb-1598	8	11	concluded	conclude	VERB
ajbmeb-1598	8	12	with	with	ADP
ajbmeb-1598	8	13	a	a	DET
ajbmeb-1598	8	14	number	number	NOUN
ajbmeb-1598	8	15	of	of	ADP
ajbmeb-1598	8	16	general	general	ADJ
ajbmeb-1598	8	17	and	and	CCONJ
ajbmeb-1598	8	18	specific	specific	ADJ
ajbmeb-1598	8	19	recommendations	recommendation	NOUN
ajbmeb-1598	8	20	for	for	ADP
ajbmeb-1598	8	21	the	the	DET
ajbmeb-1598	8	22	commercial	commercial	ADJ
ajbmeb-1598	8	23	banks	bank	NOUN
ajbmeb-1598	8	24	sampled	sample	VERB
ajbmeb-1598	8	25	in	in	ADP
ajbmeb-1598	8	26	the	the	DET
ajbmeb-1598	8	27	study	study	NOUN
ajbmeb-1598	8	28	,	,	PUNCT
ajbmeb-1598	8	29	the	the	DET
ajbmeb-1598	8	30	most	most	ADV
ajbmeb-1598	8	31	important	important	ADJ
ajbmeb-1598	8	32	of	of	ADP
ajbmeb-1598	8	33	which	which	PRON
ajbmeb-1598	8	34	was	be	AUX
ajbmeb-1598	8	35	the	the	DET
ajbmeb-1598	8	36	necessity	necessity	NOUN
ajbmeb-1598	8	37	of	of	ADP
ajbmeb-1598	8	38	applying	apply	VERB
ajbmeb-1598	8	39	and	and	CCONJ
ajbmeb-1598	8	40	giving	give	VERB
ajbmeb-1598	8	41	priority	priority	NOUN
ajbmeb-1598	8	42	to	to	ADP
ajbmeb-1598	8	43	the	the	DET
ajbmeb-1598	8	44	perspective	perspective	NOUN
ajbmeb-1598	8	45	of	of	ADP
ajbmeb-1598	8	46	.	.	PUNCT
ajbmeb-1598	9	1	customer	customer	NOUN
ajbmeb-1598	9	2	perspective	perspective	NOUN
ajbmeb-1598	9	3	,	,	PUNCT
ajbmeb-1598	9	4	banking	banking	NOUN
ajbmeb-1598	9	5	performance	performance	NOUN
ajbmeb-1598	9	6	,	,	PUNCT
ajbmeb-1598	9	7	iraqi	iraqi	ADJ
ajbmeb-1598	9	8	commercial	commercial	ADJ
ajbmeb-1598	9	9	banks	bank	NOUN
ajbmeb-1598	9	10	.	.	PUNCT
ajbmeb-1598	10	1	american	american	PROPN
ajbmeb-1598	10	2	journal	journal	PROPN
ajbmeb-1598	10	3	of	of	ADP
ajbmeb-1598	10	4	business	business	NOUN
ajbmeb-1598	10	5	management	management	NOUN
ajbmeb-1598	10	6	,	,	PUNCT
ajbmeb-1598	10	7	economics	economic	NOUN
ajbmeb-1598	10	8	and	and	CCONJ
ajbmeb-1598	10	9	banking	banking	NOUN
ajbmeb-1598	10	10	volume	volume	NOUN
ajbmeb-1598	10	11	19	19	NUM
ajbmeb-1598	10	12	december	december	PROPN
ajbmeb-1598	10	13	,	,	PUNCT
ajbmeb-1598	10	14	2023	2023	NUM
ajbmeb-1598	10	15	p	p	NOUN
ajbmeb-1598	10	16	a	a	PRON
ajbmeb-1598	10	17	g	g	NOUN
ajbmeb-1598	10	18	e	e	NOUN
ajbmeb-1598	10	19	|	|	ADV
ajbmeb-1598	10	20	18	18	NUM
ajbmeb-1598	10	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	10	22	introduction	introduction	NOUN
ajbmeb-1598	10	23	the	the	DET
ajbmeb-1598	10	24	customer	customer	NOUN
ajbmeb-1598	10	25	perspective	perspective	NOUN
ajbmeb-1598	10	26	is	be	AUX
ajbmeb-1598	10	27	one	one	NUM
ajbmeb-1598	10	28	of	of	ADP
ajbmeb-1598	10	29	the	the	DET
ajbmeb-1598	10	30	most	most	ADV
ajbmeb-1598	10	31	important	important	ADJ
ajbmeb-1598	10	32	perspectives	perspective	NOUN
ajbmeb-1598	10	33	of	of	ADP
ajbmeb-1598	10	34	the	the	DET
ajbmeb-1598	10	35	balanced	balanced	ADJ
ajbmeb-1598	10	36	scorecard	scorecard	NOUN
ajbmeb-1598	10	37	,	,	PUNCT
ajbmeb-1598	10	38	as	as	SCONJ
ajbmeb-1598	10	39	it	it	PRON
ajbmeb-1598	10	40	is	be	AUX
ajbmeb-1598	10	41	considered	consider	VERB
ajbmeb-1598	10	42	an	an	DET
ajbmeb-1598	10	43	extension	extension	NOUN
ajbmeb-1598	10	44	of	of	ADP
ajbmeb-1598	10	45	the	the	DET
ajbmeb-1598	10	46	development	development	NOUN
ajbmeb-1598	10	47	of	of	ADP
ajbmeb-1598	10	48	management	management	NOUN
ajbmeb-1598	10	49	thought	thought	NOUN
ajbmeb-1598	10	50	and	and	CCONJ
ajbmeb-1598	10	51	techniques	technique	NOUN
ajbmeb-1598	10	52	based	base	VERB
ajbmeb-1598	10	53	on	on	ADP
ajbmeb-1598	10	54	strategic	strategic	ADJ
ajbmeb-1598	10	55	change	change	NOUN
ajbmeb-1598	10	56	and	and	CCONJ
ajbmeb-1598	10	57	re	re	NOUN
ajbmeb-1598	10	58	-	-	NOUN
ajbmeb-1598	10	59	evaluation	evaluation	NOUN
ajbmeb-1598	10	60	of	of	ADP
ajbmeb-1598	10	61	strategic	strategic	ADJ
ajbmeb-1598	10	62	objectives	objective	NOUN
ajbmeb-1598	10	63	to	to	PART
ajbmeb-1598	10	64	support	support	VERB
ajbmeb-1598	10	65	creative	creative	ADJ
ajbmeb-1598	10	66	business	business	NOUN
ajbmeb-1598	10	67	processes	process	NOUN
ajbmeb-1598	10	68	,	,	PUNCT
ajbmeb-1598	10	69	stimulated	stimulate	VERB
ajbmeb-1598	10	70	by	by	ADP
ajbmeb-1598	10	71	advanced	advanced	ADJ
ajbmeb-1598	10	72	information	information	NOUN
ajbmeb-1598	10	73	systems	system	NOUN
ajbmeb-1598	10	74	and	and	CCONJ
ajbmeb-1598	10	75	networks	network	NOUN
ajbmeb-1598	10	76	with	with	ADP
ajbmeb-1598	10	77	the	the	DET
ajbmeb-1598	10	78	aim	aim	NOUN
ajbmeb-1598	10	79	of	of	ADP
ajbmeb-1598	10	80	achieving	achieve	VERB
ajbmeb-1598	10	81	superior	superior	ADJ
ajbmeb-1598	10	82	levels	level	NOUN
ajbmeb-1598	10	83	of	of	ADP
ajbmeb-1598	10	84	performance	performance	NOUN
ajbmeb-1598	10	85	,	,	PUNCT
ajbmeb-1598	10	86	as	as	SCONJ
ajbmeb-1598	10	87	it	it	PRON
ajbmeb-1598	10	88	targets	target	VERB
ajbmeb-1598	10	89	customer	customer	NOUN
ajbmeb-1598	10	90	satisfaction	satisfaction	NOUN
ajbmeb-1598	10	91	and	and	CCONJ
ajbmeb-1598	10	92	is	be	AUX
ajbmeb-1598	10	93	the	the	DET
ajbmeb-1598	10	94	customer	customer	NOUN
ajbmeb-1598	10	95	at	at	ADP
ajbmeb-1598	10	96	the	the	DET
ajbmeb-1598	10	97	present	present	ADJ
ajbmeb-1598	10	98	time	time	NOUN
ajbmeb-1598	10	99	.	.	PUNCT
ajbmeb-1598	11	1	the	the	DET
ajbmeb-1598	11	2	master	master	NOUN
ajbmeb-1598	11	3	of	of	ADP
ajbmeb-1598	11	4	the	the	DET
ajbmeb-1598	11	5	market	market	NOUN
ajbmeb-1598	11	6	because	because	SCONJ
ajbmeb-1598	11	7	the	the	DET
ajbmeb-1598	11	8	success	success	NOUN
ajbmeb-1598	11	9	of	of	ADP
ajbmeb-1598	11	10	the	the	DET
ajbmeb-1598	11	11	establishment	establishment	NOUN
ajbmeb-1598	11	12	depends	depend	VERB
ajbmeb-1598	11	13	on	on	ADP
ajbmeb-1598	11	14	his	his	PRON
ajbmeb-1598	11	15	conviction	conviction	NOUN
ajbmeb-1598	11	16	in	in	ADP
ajbmeb-1598	11	17	the	the	DET
ajbmeb-1598	11	18	services	service	NOUN
ajbmeb-1598	11	19	and	and	CCONJ
ajbmeb-1598	11	20	products	product	NOUN
ajbmeb-1598	11	21	it	it	PRON
ajbmeb-1598	11	22	provides	provide	VERB
ajbmeb-1598	11	23	the	the	DET
ajbmeb-1598	11	24	study	study	NOUN
ajbmeb-1598	11	25	problem	problem	NOUN
ajbmeb-1598	11	26	will	will	AUX
ajbmeb-1598	11	27	the	the	DET
ajbmeb-1598	11	28	customers	customer	NOUN
ajbmeb-1598	11	29	’	’	PART
ajbmeb-1598	11	30	perspective	perspective	NOUN
ajbmeb-1598	11	31	,	,	PUNCT
ajbmeb-1598	11	32	the	the	DET
ajbmeb-1598	11	33	use	use	NOUN
ajbmeb-1598	11	34	of	of	ADP
ajbmeb-1598	11	35	its	its	PRON
ajbmeb-1598	11	36	indicators	indicator	NOUN
ajbmeb-1598	11	37	,	,	PUNCT
ajbmeb-1598	11	38	and	and	CCONJ
ajbmeb-1598	11	39	its	its	PRON
ajbmeb-1598	11	40	impact	impact	NOUN
ajbmeb-1598	11	41	on	on	ADP
ajbmeb-1598	11	42	the	the	DET
ajbmeb-1598	11	43	bank	bank	NOUN
ajbmeb-1598	11	44	’s	’s	PART
ajbmeb-1598	11	45	liquidity	liquidity	NOUN
ajbmeb-1598	11	46	?	?	PUNCT
ajbmeb-1598	12	1	study	study	NOUN
ajbmeb-1598	12	2	objectives	objective	NOUN
ajbmeb-1598	12	3	.	.	PUNCT
ajbmeb-1598	13	1	the	the	DET
ajbmeb-1598	13	2	main	main	ADJ
ajbmeb-1598	13	3	objective	objective	NOUN
ajbmeb-1598	13	4	of	of	ADP
ajbmeb-1598	13	5	the	the	DET
ajbmeb-1598	13	6	study	study	NOUN
ajbmeb-1598	13	7	is	be	AUX
ajbmeb-1598	13	8	to	to	PART
ajbmeb-1598	13	9	demonstrate	demonstrate	VERB
ajbmeb-1598	13	10	the	the	DET
ajbmeb-1598	13	11	impact	impact	NOUN
ajbmeb-1598	13	12	of	of	ADP
ajbmeb-1598	13	13	customers	customer	NOUN
ajbmeb-1598	13	14	’	'	PUNCT
ajbmeb-1598	13	15	perspective	perspective	NOUN
ajbmeb-1598	13	16	on	on	ADP
ajbmeb-1598	13	17	the	the	DET
ajbmeb-1598	13	18	liquidity	liquidity	NOUN
ajbmeb-1598	13	19	of	of	ADP
ajbmeb-1598	13	20	the	the	DET
ajbmeb-1598	13	21	commercial	commercial	ADJ
ajbmeb-1598	13	22	banks	bank	NOUN
ajbmeb-1598	13	23	in	in	ADP
ajbmeb-1598	13	24	the	the	DET
ajbmeb-1598	13	25	research	research	NOUN
ajbmeb-1598	13	26	sample	sample	NOUN
ajbmeb-1598	13	27	.	.	PUNCT
ajbmeb-1598	14	1	the	the	DET
ajbmeb-1598	14	2	most	most	ADV
ajbmeb-1598	14	3	important	important	ADJ
ajbmeb-1598	14	4	objectives	objective	NOUN
ajbmeb-1598	14	5	of	of	ADP
ajbmeb-1598	14	6	the	the	DET
ajbmeb-1598	14	7	study	study	NOUN
ajbmeb-1598	14	8	can	can	AUX
ajbmeb-1598	14	9	be	be	AUX
ajbmeb-1598	14	10	summarized	summarize	VERB
ajbmeb-1598	14	11	as	as	SCONJ
ajbmeb-1598	14	12	follows	follow	VERB
ajbmeb-1598	14	13	:	:	PUNCT
ajbmeb-1598	14	14	1	1	X
ajbmeb-1598	14	15	.	.	X
ajbmeb-1598	14	16	providing	provide	VERB
ajbmeb-1598	14	17	an	an	DET
ajbmeb-1598	14	18	introductory	introductory	ADJ
ajbmeb-1598	14	19	framework	framework	NOUN
ajbmeb-1598	14	20	on	on	ADP
ajbmeb-1598	14	21	the	the	DET
ajbmeb-1598	14	22	concept	concept	NOUN
ajbmeb-1598	14	23	of	of	ADP
ajbmeb-1598	14	24	customer	customer	NOUN
ajbmeb-1598	14	25	perspective	perspective	NOUN
ajbmeb-1598	14	26	,	,	PUNCT
ajbmeb-1598	14	27	how	how	SCONJ
ajbmeb-1598	14	28	to	to	PART
ajbmeb-1598	14	29	employ	employ	VERB
ajbmeb-1598	14	30	its	its	PRON
ajbmeb-1598	14	31	indicators	indicator	NOUN
ajbmeb-1598	14	32	,	,	PUNCT
ajbmeb-1598	14	33	and	and	CCONJ
ajbmeb-1598	14	34	their	their	PRON
ajbmeb-1598	14	35	impact	impact	NOUN
ajbmeb-1598	14	36	on	on	ADP
ajbmeb-1598	14	37	the	the	DET
ajbmeb-1598	14	38	bank	bank	NOUN
ajbmeb-1598	14	39	’s	’s	PART
ajbmeb-1598	14	40	liquidity	liquidity	NOUN
ajbmeb-1598	14	41	.	.	PUNCT
ajbmeb-1598	15	1	2	2	X
ajbmeb-1598	15	2	.	.	X
ajbmeb-1598	15	3	using	use	VERB
ajbmeb-1598	15	4	customers	customer	NOUN
ajbmeb-1598	15	5	’	’	PART
ajbmeb-1598	15	6	perspective	perspective	NOUN
ajbmeb-1598	15	7	to	to	PART
ajbmeb-1598	15	8	identify	identify	VERB
ajbmeb-1598	15	9	strengths	strength	NOUN
ajbmeb-1598	15	10	in	in	ADP
ajbmeb-1598	15	11	performance	performance	NOUN
ajbmeb-1598	15	12	and	and	CCONJ
ajbmeb-1598	15	13	maintain	maintain	VERB
ajbmeb-1598	15	14	them	they	PRON
ajbmeb-1598	15	15	continuously	continuously	ADV
ajbmeb-1598	15	16	over	over	ADP
ajbmeb-1598	15	17	the	the	DET
ajbmeb-1598	15	18	long	long	ADJ
ajbmeb-1598	15	19	term	term	NOUN
ajbmeb-1598	15	20	,	,	PUNCT
ajbmeb-1598	15	21	and	and	CCONJ
ajbmeb-1598	15	22	to	to	PART
ajbmeb-1598	15	23	identify	identify	VERB
ajbmeb-1598	15	24	defects	defect	NOUN
ajbmeb-1598	15	25	and	and	CCONJ
ajbmeb-1598	15	26	weaknesses	weakness	NOUN
ajbmeb-1598	15	27	in	in	ADP
ajbmeb-1598	15	28	banking	banking	NOUN
ajbmeb-1598	15	29	performance	performance	NOUN
ajbmeb-1598	15	30	and	and	CCONJ
ajbmeb-1598	15	31	avoid	avoid	VERB
ajbmeb-1598	15	32	them	they	PRON
ajbmeb-1598	15	33	in	in	ADP
ajbmeb-1598	15	34	the	the	DET
ajbmeb-1598	15	35	near	near	ADJ
ajbmeb-1598	15	36	future	future	NOUN
ajbmeb-1598	15	37	through	through	ADP
ajbmeb-1598	15	38	a	a	DET
ajbmeb-1598	15	39	set	set	NOUN
ajbmeb-1598	15	40	of	of	ADP
ajbmeb-1598	15	41	conclusions	conclusion	NOUN
ajbmeb-1598	15	42	and	and	CCONJ
ajbmeb-1598	15	43	recommendations	recommendation	NOUN
ajbmeb-1598	15	44	that	that	PRON
ajbmeb-1598	15	45	have	have	AUX
ajbmeb-1598	15	46	been	be	AUX
ajbmeb-1598	15	47	presented	present	VERB
ajbmeb-1598	15	48	.	.	PUNCT
ajbmeb-1598	16	1	the	the	DET
ajbmeb-1598	16	2	importance	importance	NOUN
ajbmeb-1598	16	3	of	of	ADP
ajbmeb-1598	16	4	studying	study	VERB
ajbmeb-1598	16	5	the	the	DET
ajbmeb-1598	16	6	importance	importance	NOUN
ajbmeb-1598	16	7	of	of	ADP
ajbmeb-1598	16	8	the	the	DET
ajbmeb-1598	16	9	study	study	NOUN
ajbmeb-1598	16	10	stems	stem	VERB
ajbmeb-1598	16	11	from	from	ADP
ajbmeb-1598	16	12	the	the	DET
ajbmeb-1598	16	13	fact	fact	NOUN
ajbmeb-1598	16	14	that	that	SCONJ
ajbmeb-1598	16	15	using	use	VERB
ajbmeb-1598	16	16	the	the	DET
ajbmeb-1598	16	17	customers	customer	NOUN
ajbmeb-1598	16	18	’	'	PUNCT
ajbmeb-1598	16	19	perspective	perspective	NOUN
ajbmeb-1598	16	20	will	will	AUX
ajbmeb-1598	16	21	contribute	contribute	VERB
ajbmeb-1598	16	22	greatly	greatly	ADV
ajbmeb-1598	16	23	to	to	ADP
ajbmeb-1598	16	24	following	follow	VERB
ajbmeb-1598	16	25	corrective	corrective	ADJ
ajbmeb-1598	16	26	methods	method	NOUN
ajbmeb-1598	16	27	and	and	CCONJ
ajbmeb-1598	16	28	procedures	procedure	NOUN
ajbmeb-1598	16	29	to	to	PART
ajbmeb-1598	16	30	reduce	reduce	VERB
ajbmeb-1598	16	31	weak	weak	ADJ
ajbmeb-1598	16	32	points	point	NOUN
ajbmeb-1598	16	33	and	and	CCONJ
ajbmeb-1598	16	34	optimally	optimally	ADV
ajbmeb-1598	16	35	exploit	exploit	VERB
ajbmeb-1598	16	36	strengths	strength	NOUN
ajbmeb-1598	16	37	,	,	PUNCT
ajbmeb-1598	16	38	which	which	PRON
ajbmeb-1598	16	39	in	in	ADP
ajbmeb-1598	16	40	turn	turn	NOUN
ajbmeb-1598	16	41	works	work	VERB
ajbmeb-1598	16	42	to	to	PART
ajbmeb-1598	16	43	develop	develop	VERB
ajbmeb-1598	16	44	and	and	CCONJ
ajbmeb-1598	16	45	improve	improve	VERB
ajbmeb-1598	16	46	the	the	DET
ajbmeb-1598	16	47	level	level	NOUN
ajbmeb-1598	16	48	of	of	ADP
ajbmeb-1598	16	49	performance	performance	NOUN
ajbmeb-1598	16	50	,	,	PUNCT
ajbmeb-1598	16	51	which	which	PRON
ajbmeb-1598	16	52	increases	increase	VERB
ajbmeb-1598	16	53	the	the	DET
ajbmeb-1598	16	54	bank	bank	NOUN
ajbmeb-1598	16	55	’s	’s	PART
ajbmeb-1598	16	56	liquidity	liquidity	NOUN
ajbmeb-1598	16	57	because	because	SCONJ
ajbmeb-1598	16	58	of	of	ADP
ajbmeb-1598	16	59	its	its	PRON
ajbmeb-1598	16	60	great	great	ADJ
ajbmeb-1598	16	61	importance	importance	NOUN
ajbmeb-1598	16	62	and	and	CCONJ
ajbmeb-1598	16	63	positive	positive	ADJ
ajbmeb-1598	16	64	impact	impact	NOUN
ajbmeb-1598	16	65	in	in	ADP
ajbmeb-1598	16	66	improving	improve	VERB
ajbmeb-1598	16	67	economic	economic	ADJ
ajbmeb-1598	16	68	conditions	condition	NOUN
ajbmeb-1598	16	69	.	.	PUNCT
ajbmeb-1598	17	1	for	for	ADP
ajbmeb-1598	17	2	the	the	DET
ajbmeb-1598	17	3	country	country	NOUN
ajbmeb-1598	17	4	,	,	PUNCT
ajbmeb-1598	17	5	and	and	CCONJ
ajbmeb-1598	17	6	directing	direct	VERB
ajbmeb-1598	17	7	the	the	DET
ajbmeb-1598	17	8	attention	attention	NOUN
ajbmeb-1598	17	9	of	of	ADP
ajbmeb-1598	17	10	banks	bank	NOUN
ajbmeb-1598	17	11	to	to	ADP
ajbmeb-1598	17	12	identifying	identify	VERB
ajbmeb-1598	17	13	the	the	DET
ajbmeb-1598	17	14	shortcomings	shortcoming	NOUN
ajbmeb-1598	17	15	and	and	CCONJ
ajbmeb-1598	17	16	lack	lack	NOUN
ajbmeb-1598	17	17	of	of	ADP
ajbmeb-1598	17	18	efficiency	efficiency	NOUN
ajbmeb-1598	17	19	and	and	CCONJ
ajbmeb-1598	17	20	effectiveness	effectiveness	NOUN
ajbmeb-1598	17	21	of	of	ADP
ajbmeb-1598	17	22	banking	banking	NOUN
ajbmeb-1598	17	23	performance	performance	NOUN
ajbmeb-1598	17	24	.	.	PUNCT
ajbmeb-1598	18	1	study	study	NOUN
ajbmeb-1598	18	2	hypothesis	hypothesis	NOUN
ajbmeb-1598	18	3	is	be	AUX
ajbmeb-1598	18	4	there	there	PRON
ajbmeb-1598	18	5	a	a	DET
ajbmeb-1598	18	6	significant	significant	ADJ
ajbmeb-1598	18	7	effect	effect	NOUN
ajbmeb-1598	18	8	of	of	ADP
ajbmeb-1598	18	9	customers	customer	NOUN
ajbmeb-1598	18	10	’	'	PUNCT
ajbmeb-1598	18	11	perspective	perspective	NOUN
ajbmeb-1598	18	12	on	on	ADP
ajbmeb-1598	18	13	the	the	DET
ajbmeb-1598	18	14	banking	banking	NOUN
ajbmeb-1598	18	15	liquidity	liquidity	NOUN
ajbmeb-1598	18	16	of	of	ADP
ajbmeb-1598	18	17	the	the	DET
ajbmeb-1598	18	18	banks	bank	NOUN
ajbmeb-1598	18	19	in	in	ADP
ajbmeb-1598	18	20	the	the	DET
ajbmeb-1598	18	21	research	research	NOUN
ajbmeb-1598	18	22	sample	sample	NOUN
ajbmeb-1598	18	23	?	?	PUNCT
ajbmeb-1598	19	1	study	study	NOUN
ajbmeb-1598	19	2	method	method	NOUN
ajbmeb-1598	19	3	1	1	NUM
ajbmeb-1598	19	4	.	.	PUNCT
ajbmeb-1598	20	1	the	the	DET
ajbmeb-1598	20	2	inductive	inductive	ADJ
ajbmeb-1598	20	3	method	method	NOUN
ajbmeb-1598	20	4	was	be	AUX
ajbmeb-1598	20	5	relied	rely	VERB
ajbmeb-1598	20	6	upon	upon	SCONJ
ajbmeb-1598	20	7	in	in	ADP
ajbmeb-1598	20	8	defining	define	VERB
ajbmeb-1598	20	9	the	the	DET
ajbmeb-1598	20	10	problem	problem	NOUN
ajbmeb-1598	20	11	of	of	ADP
ajbmeb-1598	20	12	the	the	DET
ajbmeb-1598	20	13	study	study	NOUN
ajbmeb-1598	20	14	,	,	PUNCT
ajbmeb-1598	20	15	i.e.	i.e.	X
ajbmeb-1598	20	16	shifting	shift	VERB
ajbmeb-1598	20	17	from	from	ADP
ajbmeb-1598	20	18	the	the	DET
ajbmeb-1598	20	19	specific	specific	NOUN
ajbmeb-1598	20	20	to	to	ADP
ajbmeb-1598	20	21	the	the	DET
ajbmeb-1598	20	22	general	general	NOUN
ajbmeb-1598	20	23	by	by	ADP
ajbmeb-1598	20	24	generalizing	generalize	VERB
ajbmeb-1598	20	25	the	the	DET
ajbmeb-1598	20	26	recommendations	recommendation	NOUN
ajbmeb-1598	20	27	of	of	ADP
ajbmeb-1598	20	28	the	the	DET
ajbmeb-1598	20	29	study	study	NOUN
ajbmeb-1598	20	30	sample	sample	NOUN
ajbmeb-1598	20	31	to	to	ADP
ajbmeb-1598	20	32	the	the	DET
ajbmeb-1598	20	33	banks	bank	NOUN
ajbmeb-1598	20	34	listed	list	VERB
ajbmeb-1598	20	35	on	on	ADP
ajbmeb-1598	20	36	the	the	DET
ajbmeb-1598	20	37	iraqi	iraqi	ADJ
ajbmeb-1598	20	38	stock	stock	NOUN
ajbmeb-1598	20	39	exchange	exchange	NOUN
ajbmeb-1598	20	40	.	.	PUNCT
ajbmeb-1598	21	1	2	2	X
ajbmeb-1598	21	2	.	.	X
ajbmeb-1598	21	3	the	the	DET
ajbmeb-1598	21	4	deductive	deductive	ADJ
ajbmeb-1598	21	5	method	method	NOUN
ajbmeb-1598	21	6	was	be	AUX
ajbmeb-1598	21	7	relied	rely	VERB
ajbmeb-1598	21	8	upon	upon	SCONJ
ajbmeb-1598	21	9	by	by	ADP
ajbmeb-1598	21	10	providing	provide	VERB
ajbmeb-1598	21	11	a	a	DET
ajbmeb-1598	21	12	theoretical	theoretical	ADJ
ajbmeb-1598	21	13	framework	framework	NOUN
ajbmeb-1598	21	14	about	about	ADP
ajbmeb-1598	21	15	the	the	DET
ajbmeb-1598	21	16	nature	nature	NOUN
ajbmeb-1598	21	17	of	of	ADP
ajbmeb-1598	21	18	the	the	DET
ajbmeb-1598	21	19	balanced	balanced	ADJ
ajbmeb-1598	21	20	scorecard	scorecard	NOUN
ajbmeb-1598	21	21	in	in	ADP
ajbmeb-1598	21	22	accordance	accordance	NOUN
ajbmeb-1598	21	23	with	with	ADP
ajbmeb-1598	21	24	relevant	relevant	ADJ
ajbmeb-1598	21	25	international	international	ADJ
ajbmeb-1598	21	26	standards	standard	NOUN
ajbmeb-1598	21	27	and	and	CCONJ
ajbmeb-1598	21	28	its	its	PRON
ajbmeb-1598	21	29	impact	impact	NOUN
ajbmeb-1598	21	30	on	on	ADP
ajbmeb-1598	21	31	improving	improve	VERB
ajbmeb-1598	21	32	banking	banking	NOUN
ajbmeb-1598	21	33	performance	performance	NOUN
ajbmeb-1598	21	34	,	,	PUNCT
ajbmeb-1598	21	35	that	that	ADV
ajbmeb-1598	21	36	is	is	ADV
ajbmeb-1598	21	37	,	,	PUNCT
ajbmeb-1598	21	38	the	the	DET
ajbmeb-1598	21	39	shift	shift	NOUN
ajbmeb-1598	21	40	from	from	ADP
ajbmeb-1598	21	41	the	the	DET
ajbmeb-1598	21	42	general	general	NOUN
ajbmeb-1598	21	43	through	through	ADP
ajbmeb-1598	21	44	reviewing	review	VERB
ajbmeb-1598	21	45	scientific	scientific	ADJ
ajbmeb-1598	21	46	literature	literature	NOUN
ajbmeb-1598	21	47	to	to	ADP
ajbmeb-1598	21	48	the	the	DET
ajbmeb-1598	21	49	specific	specific	ADJ
ajbmeb-1598	21	50	(	(	PUNCT
ajbmeb-1598	21	51	study	study	NOUN
ajbmeb-1598	21	52	sample	sample	NOUN
ajbmeb-1598	21	53	.	.	PUNCT
ajbmeb-1598	21	54	)	)	PUNCT
ajbmeb-1598	22	1	american	american	ADJ
ajbmeb-1598	22	2	journal	journal	PROPN
ajbmeb-1598	22	3	of	of	ADP
ajbmeb-1598	22	4	business	business	NOUN
ajbmeb-1598	22	5	management	management	NOUN
ajbmeb-1598	22	6	,	,	PUNCT
ajbmeb-1598	22	7	economics	economic	NOUN
ajbmeb-1598	22	8	and	and	CCONJ
ajbmeb-1598	22	9	banking	banking	NOUN
ajbmeb-1598	22	10	volume	volume	NOUN
ajbmeb-1598	22	11	19	19	NUM
ajbmeb-1598	22	12	december	december	PROPN
ajbmeb-1598	22	13	,	,	PUNCT
ajbmeb-1598	22	14	2023	2023	NUM
ajbmeb-1598	22	15	p	p	NOUN
ajbmeb-1598	22	16	a	a	DET
ajbmeb-1598	22	17	g	g	NOUN
ajbmeb-1598	22	18	e	e	NOUN
ajbmeb-1598	22	19	|	|	ADV
ajbmeb-1598	22	20	19	19	NUM
ajbmeb-1598	22	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	22	22	3	3	NUM
ajbmeb-1598	22	23	.	.	PUNCT
ajbmeb-1598	23	1	the	the	DET
ajbmeb-1598	23	2	analytical	analytical	ADJ
ajbmeb-1598	23	3	method	method	NOUN
ajbmeb-1598	23	4	was	be	AUX
ajbmeb-1598	23	5	relied	rely	VERB
ajbmeb-1598	23	6	upon	upon	SCONJ
ajbmeb-1598	23	7	by	by	ADP
ajbmeb-1598	23	8	the	the	DET
ajbmeb-1598	23	9	researcher	researcher	NOUN
ajbmeb-1598	23	10	providing	provide	VERB
ajbmeb-1598	23	11	a	a	DET
ajbmeb-1598	23	12	practical	practical	ADJ
ajbmeb-1598	23	13	framework	framework	NOUN
ajbmeb-1598	23	14	for	for	ADP
ajbmeb-1598	23	15	the	the	DET
ajbmeb-1598	23	16	most	most	ADV
ajbmeb-1598	23	17	common	common	ADJ
ajbmeb-1598	23	18	banking	banking	NOUN
ajbmeb-1598	23	19	performance	performance	NOUN
ajbmeb-1598	23	20	indicators	indicator	NOUN
ajbmeb-1598	23	21	that	that	PRON
ajbmeb-1598	23	22	were	be	AUX
ajbmeb-1598	23	23	derived	derive	VERB
ajbmeb-1598	23	24	from	from	ADP
ajbmeb-1598	23	25	international	international	ADJ
ajbmeb-1598	23	26	standards	standard	NOUN
ajbmeb-1598	23	27	according	accord	VERB
ajbmeb-1598	23	28	to	to	ADP
ajbmeb-1598	23	29	the	the	DET
ajbmeb-1598	23	30	dimensions	dimension	NOUN
ajbmeb-1598	23	31	of	of	ADP
ajbmeb-1598	23	32	the	the	DET
ajbmeb-1598	23	33	balanced	balanced	ADJ
ajbmeb-1598	23	34	scorecard	scorecard	NOUN
ajbmeb-1598	23	35	for	for	ADP
ajbmeb-1598	23	36	analyzing	analyze	VERB
ajbmeb-1598	23	37	the	the	DET
ajbmeb-1598	23	38	financial	financial	ADJ
ajbmeb-1598	23	39	statements	statement	NOUN
ajbmeb-1598	23	40	of	of	ADP
ajbmeb-1598	23	41	the	the	DET
ajbmeb-1598	23	42	commercial	commercial	ADJ
ajbmeb-1598	23	43	banks	bank	NOUN
ajbmeb-1598	23	44	sample	sample	NOUN
ajbmeb-1598	23	45	of	of	ADP
ajbmeb-1598	23	46	the	the	DET
ajbmeb-1598	23	47	study	study	NOUN
ajbmeb-1598	23	48	.	.	PUNCT
ajbmeb-1598	24	1	limitations	limitation	NOUN
ajbmeb-1598	24	2	of	of	ADP
ajbmeb-1598	24	3	the	the	DET
ajbmeb-1598	24	4	study	study	NOUN
ajbmeb-1598	24	5	:	:	PUNCT
ajbmeb-1598	24	6	the	the	DET
ajbmeb-1598	24	7	study	study	NOUN
ajbmeb-1598	24	8	framed	frame	VERB
ajbmeb-1598	24	9	the	the	DET
ajbmeb-1598	24	10	current	current	ADJ
ajbmeb-1598	24	11	topic	topic	NOUN
ajbmeb-1598	24	12	within	within	ADP
ajbmeb-1598	24	13	spatial	spatial	ADJ
ajbmeb-1598	24	14	and	and	CCONJ
ajbmeb-1598	24	15	temporal	temporal	ADJ
ajbmeb-1598	24	16	limits	limit	NOUN
ajbmeb-1598	24	17	as	as	SCONJ
ajbmeb-1598	24	18	follows	follow	VERB
ajbmeb-1598	24	19	:	:	PUNCT
ajbmeb-1598	24	20	spatial	spatial	ADJ
ajbmeb-1598	24	21	limits	limit	NOUN
ajbmeb-1598	24	22	of	of	ADP
ajbmeb-1598	24	23	the	the	DET
ajbmeb-1598	24	24	study	study	NOUN
ajbmeb-1598	24	25	:	:	PUNCT
ajbmeb-1598	25	1	1	1	X
ajbmeb-1598	25	2	.	.	PUNCT
ajbmeb-1598	25	3	this	this	DET
ajbmeb-1598	25	4	study	study	NOUN
ajbmeb-1598	25	5	was	be	AUX
ajbmeb-1598	25	6	applied	apply	VERB
ajbmeb-1598	25	7	to	to	ADP
ajbmeb-1598	25	8	a	a	DET
ajbmeb-1598	25	9	sample	sample	NOUN
ajbmeb-1598	25	10	of	of	ADP
ajbmeb-1598	25	11	commercial	commercial	ADJ
ajbmeb-1598	25	12	banks	bank	NOUN
ajbmeb-1598	25	13	listed	list	VERB
ajbmeb-1598	25	14	on	on	ADP
ajbmeb-1598	25	15	the	the	DET
ajbmeb-1598	25	16	iraq	iraq	PROPN
ajbmeb-1598	25	17	stock	stock	NOUN
ajbmeb-1598	25	18	exchange	exchange	PROPN
ajbmeb-1598	25	19	.	.	PUNCT
ajbmeb-1598	26	1	banks	bank	NOUN
ajbmeb-1598	26	2	were	be	AUX
ajbmeb-1598	26	3	selected	select	VERB
ajbmeb-1598	26	4	from	from	ADP
ajbmeb-1598	26	5	the	the	DET
ajbmeb-1598	26	6	banking	banking	NOUN
ajbmeb-1598	26	7	sector	sector	NOUN
ajbmeb-1598	26	8	within	within	ADP
ajbmeb-1598	26	9	the	the	DET
ajbmeb-1598	26	10	commercial	commercial	ADJ
ajbmeb-1598	26	11	banks	bank	NOUN
ajbmeb-1598	26	12	listed	list	VERB
ajbmeb-1598	26	13	on	on	ADP
ajbmeb-1598	26	14	the	the	DET
ajbmeb-1598	26	15	iraq	iraq	PROPN
ajbmeb-1598	26	16	stock	stock	NOUN
ajbmeb-1598	26	17	exchange	exchange	PROPN
ajbmeb-1598	26	18	,	,	PUNCT
ajbmeb-1598	26	19	namely	namely	ADV
ajbmeb-1598	26	20	(	(	PUNCT
ajbmeb-1598	26	21	bank	bank	NOUN
ajbmeb-1598	26	22	of	of	ADP
ajbmeb-1598	26	23	baghdad	baghdad	PROPN
ajbmeb-1598	26	24	,	,	PUNCT
ajbmeb-1598	26	25	assyria	assyria	PROPN
ajbmeb-1598	26	26	international	international	PROPN
ajbmeb-1598	26	27	investment	investment	NOUN
ajbmeb-1598	26	28	bank	bank	NOUN
ajbmeb-1598	26	29	,	,	PUNCT
ajbmeb-1598	26	30	and	and	CCONJ
ajbmeb-1598	26	31	trans	trans	PROPN
ajbmeb-1598	26	32	-	-	PROPN
ajbmeb-1598	26	33	iraq	iraq	PROPN
ajbmeb-1598	26	34	bank	bank	NOUN
ajbmeb-1598	26	35	)	)	PUNCT
ajbmeb-1598	26	36	2	2	NUM
ajbmeb-1598	26	37	.	.	NOUN
ajbmeb-1598	26	38	time	time	NOUN
ajbmeb-1598	26	39	limits	limit	NOUN
ajbmeb-1598	26	40	of	of	ADP
ajbmeb-1598	26	41	the	the	DET
ajbmeb-1598	26	42	study	study	NOUN
ajbmeb-1598	26	43	:	:	PUNCT
ajbmeb-1598	26	44	between	between	ADP
ajbmeb-1598	26	45	2017	2017	NUM
ajbmeb-1598	26	46	and	and	CCONJ
ajbmeb-1598	26	47	2020	2020	NUM
ajbmeb-1598	26	48	.	.	PUNCT
ajbmeb-1598	27	1	data	datum	NOUN
ajbmeb-1598	27	2	collection	collection	NOUN
ajbmeb-1598	27	3	sources	source	NOUN
ajbmeb-1598	27	4	we	we	PRON
ajbmeb-1598	27	5	relied	rely	VERB
ajbmeb-1598	27	6	on	on	ADP
ajbmeb-1598	27	7	electronic	electronic	ADJ
ajbmeb-1598	27	8	scientific	scientific	ADJ
ajbmeb-1598	27	9	websites	website	NOUN
ajbmeb-1598	27	10	,	,	PUNCT
ajbmeb-1598	27	11	scientific	scientific	ADJ
ajbmeb-1598	27	12	libraries	library	NOUN
ajbmeb-1598	27	13	,	,	PUNCT
ajbmeb-1598	27	14	and	and	CCONJ
ajbmeb-1598	27	15	the	the	DET
ajbmeb-1598	27	16	dissertations	dissertation	NOUN
ajbmeb-1598	27	17	,	,	PUNCT
ajbmeb-1598	27	18	dissertations	dissertation	NOUN
ajbmeb-1598	27	19	,	,	PUNCT
ajbmeb-1598	27	20	and	and	CCONJ
ajbmeb-1598	27	21	published	publish	VERB
ajbmeb-1598	27	22	research	research	NOUN
ajbmeb-1598	27	23	they	they	PRON
ajbmeb-1598	27	24	contained	contain	VERB
ajbmeb-1598	27	25	to	to	PART
ajbmeb-1598	27	26	enrich	enrich	VERB
ajbmeb-1598	27	27	the	the	DET
ajbmeb-1598	27	28	study	study	NOUN
ajbmeb-1598	27	29	with	with	ADP
ajbmeb-1598	27	30	its	its	PRON
ajbmeb-1598	27	31	theoretical	theoretical	ADJ
ajbmeb-1598	27	32	and	and	CCONJ
ajbmeb-1598	27	33	practical	practical	ADJ
ajbmeb-1598	27	34	aspects	aspect	NOUN
ajbmeb-1598	27	35	,	,	PUNCT
ajbmeb-1598	27	36	as	as	ADV
ajbmeb-1598	27	37	well	well	ADV
ajbmeb-1598	27	38	as	as	ADP
ajbmeb-1598	27	39	international	international	ADJ
ajbmeb-1598	27	40	standards	standard	NOUN
ajbmeb-1598	27	41	,	,	PUNCT
ajbmeb-1598	27	42	published	publish	VERB
ajbmeb-1598	27	43	financial	financial	ADJ
ajbmeb-1598	27	44	statements	statement	NOUN
ajbmeb-1598	27	45	,	,	PUNCT
ajbmeb-1598	27	46	laws	law	NOUN
ajbmeb-1598	27	47	,	,	PUNCT
ajbmeb-1598	27	48	legislation	legislation	NOUN
ajbmeb-1598	27	49	,	,	PUNCT
ajbmeb-1598	27	50	and	and	CCONJ
ajbmeb-1598	27	51	instructions	instruction	NOUN
ajbmeb-1598	27	52	related	relate	VERB
ajbmeb-1598	27	53	to	to	ADP
ajbmeb-1598	27	54	the	the	DET
ajbmeb-1598	27	55	study	study	NOUN
ajbmeb-1598	27	56	sample	sample	NOUN
ajbmeb-1598	27	57	.	.	PUNCT
ajbmeb-1598	28	1	attended	attend	VERB
ajbmeb-1598	28	2	by	by	ADP
ajbmeb-1598	28	3	the	the	DET
ajbmeb-1598	28	4	customer	customer	NOUN
ajbmeb-1598	28	5	the	the	DET
ajbmeb-1598	28	6	customer	customer	NOUN
ajbmeb-1598	28	7	represents	represent	VERB
ajbmeb-1598	28	8	one	one	NUM
ajbmeb-1598	28	9	of	of	ADP
ajbmeb-1598	28	10	the	the	DET
ajbmeb-1598	28	11	basic	basic	ADJ
ajbmeb-1598	28	12	pillars	pillar	NOUN
ajbmeb-1598	28	13	of	of	ADP
ajbmeb-1598	28	14	the	the	DET
ajbmeb-1598	28	15	banking	banking	NOUN
ajbmeb-1598	28	16	relationship	relationship	NOUN
ajbmeb-1598	28	17	.	.	PUNCT
ajbmeb-1598	29	1	the	the	DET
ajbmeb-1598	29	2	importance	importance	NOUN
ajbmeb-1598	29	3	of	of	ADP
ajbmeb-1598	29	4	customers	customer	NOUN
ajbmeb-1598	29	5	in	in	ADP
ajbmeb-1598	29	6	banks	bank	NOUN
ajbmeb-1598	29	7	comes	come	VERB
ajbmeb-1598	29	8	because	because	SCONJ
ajbmeb-1598	29	9	the	the	DET
ajbmeb-1598	29	10	customer	customer	NOUN
ajbmeb-1598	29	11	is	be	AUX
ajbmeb-1598	29	12	the	the	DET
ajbmeb-1598	29	13	one	one	NUM
ajbmeb-1598	29	14	who	who	PRON
ajbmeb-1598	29	15	generates	generate	VERB
ajbmeb-1598	29	16	profit	profit	NOUN
ajbmeb-1598	29	17	for	for	ADP
ajbmeb-1598	29	18	the	the	DET
ajbmeb-1598	29	19	bank	bank	NOUN
ajbmeb-1598	29	20	,	,	PUNCT
ajbmeb-1598	29	21	as	as	SCONJ
ajbmeb-1598	29	22	this	this	DET
ajbmeb-1598	29	23	dimension	dimension	NOUN
ajbmeb-1598	29	24	measures	measure	VERB
ajbmeb-1598	29	25	the	the	DET
ajbmeb-1598	29	26	institution	institution	NOUN
ajbmeb-1598	29	27	’s	’s	PART
ajbmeb-1598	29	28	performance	performance	NOUN
ajbmeb-1598	29	29	with	with	ADP
ajbmeb-1598	29	30	customers	customer	NOUN
ajbmeb-1598	29	31	and	and	CCONJ
ajbmeb-1598	29	32	market	market	NOUN
ajbmeb-1598	29	33	sectors	sector	NOUN
ajbmeb-1598	29	34	through	through	ADP
ajbmeb-1598	29	35	the	the	DET
ajbmeb-1598	29	36	use	use	NOUN
ajbmeb-1598	29	37	of	of	ADP
ajbmeb-1598	29	38	some	some	DET
ajbmeb-1598	29	39	indicators	indicator	NOUN
ajbmeb-1598	29	40	such	such	ADJ
ajbmeb-1598	29	41	as	as	ADP
ajbmeb-1598	29	42	market	market	NOUN
ajbmeb-1598	29	43	share	share	NOUN
ajbmeb-1598	29	44	,	,	PUNCT
ajbmeb-1598	29	45	customer	customer	NOUN
ajbmeb-1598	29	46	retention	retention	NOUN
ajbmeb-1598	29	47	,	,	PUNCT
ajbmeb-1598	29	48	customer	customer	NOUN
ajbmeb-1598	29	49	profitability	profitability	NOUN
ajbmeb-1598	29	50	,	,	PUNCT
ajbmeb-1598	29	51	and	and	CCONJ
ajbmeb-1598	29	52	acquiring	acquire	VERB
ajbmeb-1598	29	53	new	new	ADJ
ajbmeb-1598	29	54	customers	customer	NOUN
ajbmeb-1598	29	55	(	(	PUNCT
ajbmeb-1598	29	56	kaplan	kaplan	PROPN
ajbmeb-1598	29	57	&	&	CCONJ
ajbmeb-1598	29	58	norton	norton	PROPN
ajbmeb-1598	29	59	1999:4	1999:4	NUM
ajbmeb-1598	29	60	)	)	PUNCT
ajbmeb-1598	29	61	the	the	DET
ajbmeb-1598	29	62	importance	importance	NOUN
ajbmeb-1598	29	63	of	of	ADP
ajbmeb-1598	29	64	this	this	DET
ajbmeb-1598	29	65	dimension	dimension	NOUN
ajbmeb-1598	29	66	appears	appear	VERB
ajbmeb-1598	29	67	from	from	ADP
ajbmeb-1598	29	68	the	the	DET
ajbmeb-1598	29	69	fact	fact	NOUN
ajbmeb-1598	29	70	that	that	SCONJ
ajbmeb-1598	29	71	customer	customer	NOUN
ajbmeb-1598	29	72	values	value	NOUN
ajbmeb-1598	29	73	and	and	CCONJ
ajbmeb-1598	29	74	profitability	profitability	NOUN
ajbmeb-1598	29	75	are	be	AUX
ajbmeb-1598	29	76	the	the	DET
ajbmeb-1598	29	77	basic	basic	ADJ
ajbmeb-1598	29	78	keys	key	NOUN
ajbmeb-1598	29	79	to	to	ADP
ajbmeb-1598	29	80	the	the	DET
ajbmeb-1598	29	81	standards	standard	NOUN
ajbmeb-1598	29	82	through	through	ADP
ajbmeb-1598	29	83	which	which	PRON
ajbmeb-1598	29	84	the	the	DET
ajbmeb-1598	29	85	organization	organization	NOUN
ajbmeb-1598	29	86	can	can	AUX
ajbmeb-1598	29	87	give	give	VERB
ajbmeb-1598	29	88	a	a	DET
ajbmeb-1598	29	89	clear	clear	ADJ
ajbmeb-1598	29	90	and	and	CCONJ
ajbmeb-1598	29	91	understandable	understandable	ADJ
ajbmeb-1598	29	92	vision	vision	NOUN
ajbmeb-1598	29	93	to	to	ADP
ajbmeb-1598	29	94	customers	customer	NOUN
ajbmeb-1598	29	95	,	,	PUNCT
ajbmeb-1598	29	96	know	know	VERB
ajbmeb-1598	29	97	and	and	CCONJ
ajbmeb-1598	29	98	meet	meet	VERB
ajbmeb-1598	29	99	their	their	PRON
ajbmeb-1598	29	100	needs	need	NOUN
ajbmeb-1598	29	101	and	and	CCONJ
ajbmeb-1598	29	102	expectations	expectation	NOUN
ajbmeb-1598	29	103	,	,	PUNCT
ajbmeb-1598	29	104	and	and	CCONJ
ajbmeb-1598	29	105	gain	gain	VERB
ajbmeb-1598	29	106	their	their	PRON
ajbmeb-1598	29	107	loyalty	loyalty	NOUN
ajbmeb-1598	29	108	,	,	PUNCT
ajbmeb-1598	29	109	which	which	PRON
ajbmeb-1598	29	110	is	be	AUX
ajbmeb-1598	29	111	reflected	reflect	VERB
ajbmeb-1598	29	112	in	in	ADP
ajbmeb-1598	29	113	the	the	DET
ajbmeb-1598	29	114	strength	strength	NOUN
ajbmeb-1598	29	115	of	of	ADP
ajbmeb-1598	29	116	competition	competition	NOUN
ajbmeb-1598	29	117	,	,	PUNCT
ajbmeb-1598	29	118	increased	increase	VERB
ajbmeb-1598	29	119	profits	profit	NOUN
ajbmeb-1598	29	120	,	,	PUNCT
ajbmeb-1598	29	121	and	and	CCONJ
ajbmeb-1598	29	122	increased	increase	VERB
ajbmeb-1598	29	123	sales	sale	NOUN
ajbmeb-1598	29	124	and	and	CCONJ
ajbmeb-1598	29	125	market	market	NOUN
ajbmeb-1598	29	126	share	share	NOUN
ajbmeb-1598	29	127	(	(	PUNCT
ajbmeb-1598	29	128	78	78	NUM
ajbmeb-1598	29	129	:	:	SYM
ajbmeb-1598	29	130	2016	2016	NUM
ajbmeb-1598	29	131	,	,	PUNCT
ajbmeb-1598	29	132	vayvay	vayvay	NOUN
ajbmeb-1598	29	133	&	&	CCONJ
ajbmeb-1598	29	134	calendar	calendar	NOUN
ajbmeb-1598	29	135	)	)	PUNCT
ajbmeb-1598	29	136	.	.	PUNCT
ajbmeb-1598	30	1	the	the	DET
ajbmeb-1598	30	2	first	first	ADJ
ajbmeb-1598	30	3	requirement	requirement	NOUN
ajbmeb-1598	30	4	:	:	PUNCT
ajbmeb-1598	30	5	liquidity	liquidity	NOUN
ajbmeb-1598	30	6	indicators	indicator	NOUN
ajbmeb-1598	30	7	liquidity	liquidity	NOUN
ajbmeb-1598	30	8	indicators	indicator	NOUN
ajbmeb-1598	30	9	are	be	AUX
ajbmeb-1598	30	10	among	among	ADP
ajbmeb-1598	30	11	the	the	DET
ajbmeb-1598	30	12	most	most	ADV
ajbmeb-1598	30	13	important	important	ADJ
ajbmeb-1598	30	14	means	mean	NOUN
ajbmeb-1598	30	15	through	through	ADP
ajbmeb-1598	30	16	which	which	PRON
ajbmeb-1598	30	17	liquidity	liquidity	NOUN
ajbmeb-1598	30	18	management	management	NOUN
ajbmeb-1598	30	19	is	be	AUX
ajbmeb-1598	30	20	supported	support	VERB
ajbmeb-1598	30	21	in	in	ADP
ajbmeb-1598	30	22	the	the	DET
ajbmeb-1598	30	23	bank	bank	NOUN
ajbmeb-1598	30	24	to	to	PART
ajbmeb-1598	30	25	avoid	avoid	VERB
ajbmeb-1598	30	26	bankruptcy	bankruptcy	NOUN
ajbmeb-1598	30	27	and	and	CCONJ
ajbmeb-1598	30	28	increase	increase	VERB
ajbmeb-1598	30	29	depositors	depositor	NOUN
ajbmeb-1598	30	30	’	’	PART
ajbmeb-1598	30	31	confidence	confidence	NOUN
ajbmeb-1598	30	32	in	in	ADP
ajbmeb-1598	30	33	the	the	DET
ajbmeb-1598	30	34	bank	bank	NOUN
ajbmeb-1598	30	35	and	and	CCONJ
ajbmeb-1598	30	36	by	by	ADP
ajbmeb-1598	30	37	working	work	VERB
ajbmeb-1598	30	38	to	to	PART
ajbmeb-1598	30	39	create	create	VERB
ajbmeb-1598	30	40	liquidity	liquidity	NOUN
ajbmeb-1598	30	41	in	in	ADP
ajbmeb-1598	30	42	the	the	DET
ajbmeb-1598	30	43	bank	bank	NOUN
ajbmeb-1598	30	44	so	so	SCONJ
ajbmeb-1598	30	45	that	that	SCONJ
ajbmeb-1598	30	46	it	it	PRON
ajbmeb-1598	30	47	can	can	AUX
ajbmeb-1598	30	48	meet	meet	VERB
ajbmeb-1598	30	49	regular	regular	ADJ
ajbmeb-1598	30	50	and	and	CCONJ
ajbmeb-1598	30	51	sudden	sudden	ADJ
ajbmeb-1598	30	52	withdrawal	withdrawal	NOUN
ajbmeb-1598	30	53	movements	movement	NOUN
ajbmeb-1598	30	54	.	.	PUNCT
ajbmeb-1598	31	1	first	first	ADV
ajbmeb-1598	31	2	:	:	PUNCT
ajbmeb-1598	31	3	the	the	DET
ajbmeb-1598	31	4	cash	cash	NOUN
ajbmeb-1598	31	5	balance	balance	NOUN
ajbmeb-1598	31	6	ratio	ratio	NOUN
ajbmeb-1598	31	7	:	:	PUNCT
ajbmeb-1598	31	8	this	this	DET
ajbmeb-1598	31	9	ratio	ratio	NOUN
ajbmeb-1598	31	10	indicates	indicate	VERB
ajbmeb-1598	31	11	the	the	DET
ajbmeb-1598	31	12	adequacy	adequacy	NOUN
ajbmeb-1598	31	13	of	of	ADP
ajbmeb-1598	31	14	quick	quick	ADJ
ajbmeb-1598	31	15	cash	cash	NOUN
ajbmeb-1598	31	16	assets	asset	NOUN
ajbmeb-1598	31	17	in	in	ADP
ajbmeb-1598	31	18	repaying	repay	VERB
ajbmeb-1598	31	19	deposits	deposit	NOUN
ajbmeb-1598	31	20	,	,	PUNCT
ajbmeb-1598	31	21	i.e.	i.e.	X
ajbmeb-1598	31	22	the	the	DET
ajbmeb-1598	31	23	banks	bank	NOUN
ajbmeb-1598	31	24	’	’	PART
ajbmeb-1598	31	25	reliance	reliance	NOUN
ajbmeb-1598	31	26	on	on	ADP
ajbmeb-1598	31	27	liquid	liquid	ADJ
ajbmeb-1598	31	28	assets	asset	NOUN
ajbmeb-1598	31	29	to	to	PART
ajbmeb-1598	31	30	cover	cover	VERB
ajbmeb-1598	31	31	deposits	deposit	NOUN
ajbmeb-1598	31	32	,	,	PUNCT
ajbmeb-1598	31	33	and	and	CCONJ
ajbmeb-1598	31	34	it	it	PRON
ajbmeb-1598	31	35	is	be	AUX
ajbmeb-1598	31	36	calculated	calculate	VERB
ajbmeb-1598	31	37	by	by	ADP
ajbmeb-1598	31	38	dividing	divide	VERB
ajbmeb-1598	31	39	the	the	DET
ajbmeb-1598	31	40	cash	cash	NOUN
ajbmeb-1598	31	41	assets	asset	NOUN
ajbmeb-1598	31	42	by	by	ADP
ajbmeb-1598	31	43	the	the	DET
ajbmeb-1598	31	44	total	total	ADJ
ajbmeb-1598	31	45	deposits	deposit	NOUN
ajbmeb-1598	31	46	(	(	PUNCT
ajbmeb-1598	31	47	iraqi	iraqi	ADJ
ajbmeb-1598	31	48	financial	financial	ADJ
ajbmeb-1598	31	49	stability	stability	NOUN
ajbmeb-1598	31	50	,	,	PUNCT
ajbmeb-1598	31	51	2016	2016	NUM
ajbmeb-1598	31	52	:	:	PUNCT
ajbmeb-1598	31	53	31	31	NUM
ajbmeb-1598	31	54	)	)	PUNCT
ajbmeb-1598	31	55	.	.	PUNCT
ajbmeb-1598	32	1	cash	cash	NOUN
ajbmeb-1598	32	2	balance	balance	NOUN
ajbmeb-1598	32	3	=	=	SYM
ajbmeb-1598	32	4	(	(	PUNCT
ajbmeb-1598	32	5	cash	cash	NOUN
ajbmeb-1598	32	6	on	on	ADP
ajbmeb-1598	32	7	hand)/(total	hand)/(total	ADJ
ajbmeb-1598	32	8	deposits	deposit	NOUN
ajbmeb-1598	32	9	)	)	PUNCT
ajbmeb-1598	32	10	x	x	SYM
ajbmeb-1598	32	11	100	100	NUM
ajbmeb-1598	32	12	second	second	ADJ
ajbmeb-1598	32	13	:	:	PUNCT
ajbmeb-1598	32	14	the	the	DET
ajbmeb-1598	32	15	legal	legal	ADJ
ajbmeb-1598	32	16	liquidity	liquidity	NOUN
ajbmeb-1598	32	17	ratio	ratio	NOUN
ajbmeb-1598	32	18	:	:	PUNCT
ajbmeb-1598	32	19	it	it	PRON
ajbmeb-1598	32	20	is	be	AUX
ajbmeb-1598	32	21	calculated	calculate	VERB
ajbmeb-1598	32	22	by	by	ADP
ajbmeb-1598	32	23	summing	sum	VERB
ajbmeb-1598	32	24	the	the	DET
ajbmeb-1598	32	25	primary	primary	ADJ
ajbmeb-1598	32	26	reserves	reserve	NOUN
ajbmeb-1598	32	27	with	with	ADP
ajbmeb-1598	32	28	the	the	DET
ajbmeb-1598	32	29	secondary	secondary	ADJ
ajbmeb-1598	32	30	reserves	reserve	NOUN
ajbmeb-1598	32	31	over	over	ADP
ajbmeb-1598	32	32	the	the	DET
ajbmeb-1598	32	33	total	total	ADJ
ajbmeb-1598	32	34	deposits	deposit	NOUN
ajbmeb-1598	32	35	.	.	PUNCT
ajbmeb-1598	33	1	statutory	statutory	ADJ
ajbmeb-1598	33	2	liquidity	liquidity	NOUN
ajbmeb-1598	33	3	ratio	ratio	NOUN
ajbmeb-1598	33	4	=	=	PUNCT
ajbmeb-1598	33	5	(	(	PUNCT
ajbmeb-1598	33	6	secondary	secondary	ADJ
ajbmeb-1598	33	7	reserves	reserve	NOUN
ajbmeb-1598	33	8	+	+	CCONJ
ajbmeb-1598	33	9	primary	primary	ADJ
ajbmeb-1598	33	10	reserves)/(total	reserves)/(total	ADJ
ajbmeb-1598	33	11	deposits	deposit	NOUN
ajbmeb-1598	33	12	(	(	PUNCT
ajbmeb-1598	33	13	american	american	ADJ
ajbmeb-1598	33	14	journal	journal	PROPN
ajbmeb-1598	33	15	of	of	ADP
ajbmeb-1598	33	16	business	business	NOUN
ajbmeb-1598	33	17	management	management	NOUN
ajbmeb-1598	33	18	,	,	PUNCT
ajbmeb-1598	33	19	economics	economic	NOUN
ajbmeb-1598	33	20	and	and	CCONJ
ajbmeb-1598	33	21	banking	banking	NOUN
ajbmeb-1598	33	22	volume	volume	NOUN
ajbmeb-1598	33	23	19	19	NUM
ajbmeb-1598	33	24	december	december	PROPN
ajbmeb-1598	33	25	,	,	PUNCT
ajbmeb-1598	33	26	2023	2023	NUM
ajbmeb-1598	33	27	p	p	NOUN
ajbmeb-1598	33	28	a	a	PRON
ajbmeb-1598	33	29	g	g	NOUN
ajbmeb-1598	33	30	e	e	NOUN
ajbmeb-1598	33	31	|	|	ADV
ajbmeb-1598	33	32	20	20	NUM
ajbmeb-1598	33	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	33	34	third	third	NOUN
ajbmeb-1598	33	35	:	:	PUNCT
ajbmeb-1598	33	36	lending	lending	NOUN
ajbmeb-1598	33	37	ratio	ratio	NOUN
ajbmeb-1598	33	38	:	:	PUNCT
ajbmeb-1598	33	39	it	it	PRON
ajbmeb-1598	33	40	is	be	AUX
ajbmeb-1598	33	41	calculated	calculate	VERB
ajbmeb-1598	33	42	by	by	ADP
ajbmeb-1598	33	43	dividing	divide	VERB
ajbmeb-1598	33	44	the	the	DET
ajbmeb-1598	33	45	total	total	ADJ
ajbmeb-1598	33	46	bank	bank	NOUN
ajbmeb-1598	33	47	loans	loan	NOUN
ajbmeb-1598	33	48	and	and	CCONJ
ajbmeb-1598	33	49	advances	advance	NOUN
ajbmeb-1598	33	50	by	by	ADP
ajbmeb-1598	33	51	the	the	DET
ajbmeb-1598	33	52	total	total	ADJ
ajbmeb-1598	33	53	deposits	deposit	NOUN
ajbmeb-1598	33	54	.	.	PUNCT
ajbmeb-1598	34	1	lending	lend	VERB
ajbmeb-1598	34	2	ratio	ratio	NOUN
ajbmeb-1598	34	3	=	=	SYM
ajbmeb-1598	34	4	(	(	PUNCT
ajbmeb-1598	34	5	loans	loan	NOUN
ajbmeb-1598	34	6	and	and	CCONJ
ajbmeb-1598	34	7	advances)/(total	advances)/(total	ADJ
ajbmeb-1598	34	8	deposits	deposit	NOUN
ajbmeb-1598	34	9	)	)	PUNCT
ajbmeb-1598	34	10	x	x	SYM
ajbmeb-1598	34	11	100	100	NUM
ajbmeb-1598	34	12	(	(	PUNCT
ajbmeb-1598	34	13	al	al	PROPN
ajbmeb-1598	34	14	-	-	PUNCT
ajbmeb-1598	34	15	karawi	karawi	PROPN
ajbmeb-1598	34	16	,	,	PUNCT
ajbmeb-1598	34	17	2012	2012	NUM
ajbmeb-1598	34	18	:	:	PUNCT
ajbmeb-1598	34	19	9	9	NUM
ajbmeb-1598	34	20	)	)	PUNCT
ajbmeb-1598	34	21	.	.	PUNCT
ajbmeb-1598	35	1	employing	employ	VERB
ajbmeb-1598	35	2	customer	customer	NOUN
ajbmeb-1598	35	3	service	service	NOUN
ajbmeb-1598	35	4	to	to	PART
ajbmeb-1598	35	5	improve	improve	VERB
ajbmeb-1598	35	6	banking	banking	NOUN
ajbmeb-1598	35	7	performance	performance	NOUN
ajbmeb-1598	35	8	:	:	PUNCT
ajbmeb-1598	35	9	the	the	DET
ajbmeb-1598	35	10	customer	customer	NOUN
ajbmeb-1598	35	11	is	be	AUX
ajbmeb-1598	35	12	considered	consider	VERB
ajbmeb-1598	35	13	one	one	NUM
ajbmeb-1598	35	14	of	of	ADP
ajbmeb-1598	35	15	the	the	DET
ajbmeb-1598	35	16	most	most	ADV
ajbmeb-1598	35	17	important	important	ADJ
ajbmeb-1598	35	18	basic	basic	ADJ
ajbmeb-1598	35	19	pillars	pillar	NOUN
ajbmeb-1598	35	20	in	in	ADP
ajbmeb-1598	35	21	the	the	DET
ajbmeb-1598	35	22	banking	banking	NOUN
ajbmeb-1598	35	23	relationship	relationship	NOUN
ajbmeb-1598	35	24	.	.	PUNCT
ajbmeb-1598	36	1	the	the	DET
ajbmeb-1598	36	2	importance	importance	NOUN
ajbmeb-1598	36	3	of	of	ADP
ajbmeb-1598	36	4	customers	customer	NOUN
ajbmeb-1598	36	5	in	in	ADP
ajbmeb-1598	36	6	the	the	DET
ajbmeb-1598	36	7	bank	bank	NOUN
ajbmeb-1598	36	8	comes	come	VERB
ajbmeb-1598	36	9	because	because	SCONJ
ajbmeb-1598	36	10	the	the	DET
ajbmeb-1598	36	11	customer	customer	NOUN
ajbmeb-1598	36	12	is	be	AUX
ajbmeb-1598	36	13	the	the	DET
ajbmeb-1598	36	14	one	one	NUM
ajbmeb-1598	36	15	who	who	PRON
ajbmeb-1598	36	16	generates	generate	VERB
ajbmeb-1598	36	17	profits	profit	NOUN
ajbmeb-1598	36	18	for	for	ADP
ajbmeb-1598	36	19	the	the	DET
ajbmeb-1598	36	20	banks	bank	NOUN
ajbmeb-1598	36	21	.	.	PUNCT
ajbmeb-1598	37	1	the	the	DET
ajbmeb-1598	37	2	customer	customer	NOUN
ajbmeb-1598	37	3	dimension	dimension	NOUN
ajbmeb-1598	37	4	is	be	AUX
ajbmeb-1598	37	5	also	also	ADV
ajbmeb-1598	37	6	an	an	DET
ajbmeb-1598	37	7	important	important	ADJ
ajbmeb-1598	37	8	source	source	NOUN
ajbmeb-1598	37	9	in	in	ADP
ajbmeb-1598	37	10	the	the	DET
ajbmeb-1598	37	11	composition	composition	NOUN
ajbmeb-1598	37	12	of	of	ADP
ajbmeb-1598	37	13	the	the	DET
ajbmeb-1598	37	14	commercial	commercial	ADJ
ajbmeb-1598	37	15	bank	bank	NOUN
ajbmeb-1598	37	16	,	,	PUNCT
ajbmeb-1598	37	17	as	as	SCONJ
ajbmeb-1598	37	18	this	this	DET
ajbmeb-1598	37	19	dimension	dimension	NOUN
ajbmeb-1598	37	20	reflects	reflect	VERB
ajbmeb-1598	37	21	the	the	DET
ajbmeb-1598	37	22	markets	market	NOUN
ajbmeb-1598	37	23	and	and	CCONJ
ajbmeb-1598	37	24	customers	customer	NOUN
ajbmeb-1598	37	25	that	that	PRON
ajbmeb-1598	37	26	banks	bank	NOUN
ajbmeb-1598	37	27	rely	rely	VERB
ajbmeb-1598	37	28	on	on	ADP
ajbmeb-1598	37	29	in	in	ADP
ajbmeb-1598	37	30	competition	competition	NOUN
ajbmeb-1598	37	31	among	among	ADP
ajbmeb-1598	37	32	counterparts	counterpart	NOUN
ajbmeb-1598	37	33	,	,	PUNCT
ajbmeb-1598	37	34	and	and	CCONJ
ajbmeb-1598	37	35	thus	thus	ADV
ajbmeb-1598	37	36	maintaining	maintain	VERB
ajbmeb-1598	37	37	the	the	DET
ajbmeb-1598	37	38	customer	customer	NOUN
ajbmeb-1598	37	39	and	and	CCONJ
ajbmeb-1598	37	40	gaining	gain	VERB
ajbmeb-1598	37	41	his	his	PRON
ajbmeb-1598	37	42	satisfaction	satisfaction	NOUN
ajbmeb-1598	37	43	by	by	ADP
ajbmeb-1598	37	44	providing	provide	VERB
ajbmeb-1598	37	45	advanced	advanced	ADJ
ajbmeb-1598	37	46	banking	banking	NOUN
ajbmeb-1598	37	47	services	service	NOUN
ajbmeb-1598	37	48	that	that	PRON
ajbmeb-1598	37	49	shorten	shorten	VERB
ajbmeb-1598	37	50	the	the	DET
ajbmeb-1598	37	51	routine	routine	ADJ
ajbmeb-1598	37	52	procedures	procedure	NOUN
ajbmeb-1598	37	53	and	and	CCONJ
ajbmeb-1598	37	54	long	long	ADJ
ajbmeb-1598	37	55	time	time	NOUN
ajbmeb-1598	37	56	to	to	PART
ajbmeb-1598	37	57	obtain	obtain	VERB
ajbmeb-1598	37	58	the	the	DET
ajbmeb-1598	37	59	desired	desire	VERB
ajbmeb-1598	37	60	service	service	NOUN
ajbmeb-1598	37	61	is	be	AUX
ajbmeb-1598	37	62	extremely	extremely	ADV
ajbmeb-1598	37	63	important	important	ADJ
ajbmeb-1598	37	64	.	.	PUNCT
ajbmeb-1598	38	1	moreover	moreover	ADV
ajbmeb-1598	38	2	,	,	PUNCT
ajbmeb-1598	38	3	the	the	DET
ajbmeb-1598	38	4	dimension	dimension	NOUN
ajbmeb-1598	38	5	of	of	ADP
ajbmeb-1598	38	6	customers	customer	NOUN
ajbmeb-1598	38	7	forces	force	NOUN
ajbmeb-1598	38	8	managers	manager	NOUN
ajbmeb-1598	38	9	to	to	PART
ajbmeb-1598	38	10	determine	determine	VERB
ajbmeb-1598	38	11	in	in	ADP
ajbmeb-1598	38	12	which	which	DET
ajbmeb-1598	38	13	area	area	NOUN
ajbmeb-1598	38	14	their	their	PRON
ajbmeb-1598	38	15	banks	bank	NOUN
ajbmeb-1598	38	16	excel	excel	VERB
ajbmeb-1598	38	17	?	?	PUNCT
ajbmeb-1598	39	1	who	who	PRON
ajbmeb-1598	39	2	are	be	AUX
ajbmeb-1598	39	3	the	the	DET
ajbmeb-1598	39	4	users	user	NOUN
ajbmeb-1598	39	5	of	of	ADP
ajbmeb-1598	39	6	its	its	PRON
ajbmeb-1598	39	7	products	product	NOUN
ajbmeb-1598	39	8	and	and	CCONJ
ajbmeb-1598	39	9	services	service	NOUN
ajbmeb-1598	39	10	?	?	PUNCT
ajbmeb-1598	40	1	as	as	ADP
ajbmeb-1598	40	2	a	a	DET
ajbmeb-1598	40	3	preliminary	preliminary	ADJ
ajbmeb-1598	40	4	step	step	NOUN
ajbmeb-1598	40	5	to	to	ADP
ajbmeb-1598	40	6	defining	define	VERB
ajbmeb-1598	40	7	goals	goal	NOUN
ajbmeb-1598	40	8	and	and	CCONJ
ajbmeb-1598	40	9	standards	standard	NOUN
ajbmeb-1598	40	10	,	,	PUNCT
ajbmeb-1598	40	11	financial	financial	ADJ
ajbmeb-1598	40	12	institutions	institution	NOUN
ajbmeb-1598	40	13	choose	choose	VERB
ajbmeb-1598	40	14	two	two	NUM
ajbmeb-1598	40	15	sets	set	NOUN
ajbmeb-1598	40	16	of	of	ADP
ajbmeb-1598	40	17	standards	standard	NOUN
ajbmeb-1598	40	18	in	in	ADP
ajbmeb-1598	40	19	the	the	DET
ajbmeb-1598	40	20	customer	customer	NOUN
ajbmeb-1598	40	21	dimension	dimension	NOUN
ajbmeb-1598	40	22	(	(	PUNCT
ajbmeb-1598	40	23	hanson	hanson	NOUN
ajbmeb-1598	40	24	,	,	PUNCT
ajbmeb-1598	40	25	etal	etal	NOUN
ajbmeb-1598	40	26	.	.	PUNCT
ajbmeb-1598	41	1	408	408	NUM
ajbmeb-1598	41	2	:	:	SYM
ajbmeb-1598	41	3	408	408	NUM
ajbmeb-1598	41	4	,	,	PUNCT
ajbmeb-1598	41	5	2003	2003	NUM
ajbmeb-1598	41	6	)	)	PUNCT
ajbmeb-1598	41	7	.	.	PUNCT
ajbmeb-1598	42	1	the	the	DET
ajbmeb-1598	42	2	first	first	ADJ
ajbmeb-1598	42	3	set	set	NOUN
ajbmeb-1598	42	4	represents	represent	VERB
ajbmeb-1598	42	5	general	general	ADJ
ajbmeb-1598	42	6	standards	standard	NOUN
ajbmeb-1598	42	7	that	that	PRON
ajbmeb-1598	42	8	enable	enable	VERB
ajbmeb-1598	42	9	banks	bank	NOUN
ajbmeb-1598	42	10	to	to	PART
ajbmeb-1598	42	11	use	use	VERB
ajbmeb-1598	42	12	them	they	PRON
ajbmeb-1598	42	13	practically	practically	ADV
ajbmeb-1598	42	14	,	,	PUNCT
ajbmeb-1598	42	15	while	while	SCONJ
ajbmeb-1598	42	16	the	the	DET
ajbmeb-1598	42	17	second	second	ADJ
ajbmeb-1598	42	18	set	set	NOUN
ajbmeb-1598	42	19	of	of	ADP
ajbmeb-1598	42	20	standards	standard	NOUN
ajbmeb-1598	42	21	represents	represent	VERB
ajbmeb-1598	42	22	distinct	distinct	ADJ
ajbmeb-1598	42	23	performance	performance	NOUN
ajbmeb-1598	42	24	measures	measure	NOUN
ajbmeb-1598	42	25	for	for	ADP
ajbmeb-1598	42	26	customer	customer	NOUN
ajbmeb-1598	42	27	results	result	NOUN
ajbmeb-1598	42	28	.	.	PUNCT
ajbmeb-1598	43	1	the	the	DET
ajbmeb-1598	43	2	question	question	NOUN
ajbmeb-1598	43	3	is	be	AUX
ajbmeb-1598	43	4	what	what	PRON
ajbmeb-1598	43	5	a	a	DET
ajbmeb-1598	43	6	bank	bank	NOUN
ajbmeb-1598	43	7	must	must	AUX
ajbmeb-1598	43	8	offer	offer	VERB
ajbmeb-1598	43	9	customers	customer	NOUN
ajbmeb-1598	43	10	to	to	PART
ajbmeb-1598	43	11	achieve	achieve	VERB
ajbmeb-1598	43	12	high	high	ADJ
ajbmeb-1598	43	13	levels	level	NOUN
ajbmeb-1598	43	14	of	of	ADP
ajbmeb-1598	43	15	satisfaction	satisfaction	NOUN
ajbmeb-1598	43	16	,	,	PUNCT
ajbmeb-1598	43	17	retention	retention	NOUN
ajbmeb-1598	43	18	,	,	PUNCT
ajbmeb-1598	43	19	acquisition	acquisition	NOUN
ajbmeb-1598	43	20	,	,	PUNCT
ajbmeb-1598	43	21	and	and	CCONJ
ajbmeb-1598	43	22	market	market	NOUN
ajbmeb-1598	43	23	share	share	NOUN
ajbmeb-1598	43	24	.	.	PUNCT
ajbmeb-1598	44	1	performance	performance	NOUN
ajbmeb-1598	44	2	measures	measure	NOUN
ajbmeb-1598	44	3	measure	measure	VERB
ajbmeb-1598	44	4	the	the	DET
ajbmeb-1598	44	5	value	value	NOUN
ajbmeb-1598	44	6	propositions	proposition	NOUN
ajbmeb-1598	44	7	that	that	PRON
ajbmeb-1598	44	8	banks	bank	NOUN
ajbmeb-1598	44	9	are	be	AUX
ajbmeb-1598	44	10	trying	try	VERB
ajbmeb-1598	44	11	to	to	PART
ajbmeb-1598	44	12	present	present	VERB
ajbmeb-1598	44	13	to	to	PART
ajbmeb-1598	44	14	target	target	VERB
ajbmeb-1598	44	15	market	market	NOUN
ajbmeb-1598	44	16	segments	segment	NOUN
ajbmeb-1598	44	17	and	and	CCONJ
ajbmeb-1598	44	18	customers	customer	NOUN
ajbmeb-1598	44	19	(	(	PUNCT
ajbmeb-1598	44	20	khalaf	khalaf	PROPN
ajbmeb-1598	44	21	and	and	CCONJ
ajbmeb-1598	44	22	ismail	ismail	PROPN
ajbmeb-1598	44	23	,	,	PUNCT
ajbmeb-1598	44	24	2020	2020	NUM
ajbmeb-1598	44	25	:	:	PUNCT
ajbmeb-1598	44	26	137	137	NUM
ajbmeb-1598	44	27	)	)	PUNCT
ajbmeb-1598	44	28	.	.	PUNCT
ajbmeb-1598	45	1	they	they	PRON
ajbmeb-1598	45	2	enhance	enhance	VERB
ajbmeb-1598	45	3	opportunities	opportunity	NOUN
ajbmeb-1598	45	4	for	for	ADP
ajbmeb-1598	45	5	survival	survival	NOUN
ajbmeb-1598	45	6	and	and	CCONJ
ajbmeb-1598	45	7	growth	growth	NOUN
ajbmeb-1598	45	8	as	as	ADP
ajbmeb-1598	45	9	a	a	DET
ajbmeb-1598	45	10	result	result	NOUN
ajbmeb-1598	45	11	of	of	ADP
ajbmeb-1598	45	12	the	the	DET
ajbmeb-1598	45	13	continuous	continuous	ADJ
ajbmeb-1598	45	14	development	development	NOUN
ajbmeb-1598	45	15	in	in	ADP
ajbmeb-1598	45	16	the	the	DET
ajbmeb-1598	45	17	development	development	NOUN
ajbmeb-1598	45	18	of	of	ADP
ajbmeb-1598	45	19	modern	modern	ADJ
ajbmeb-1598	45	20	technologies	technology	NOUN
ajbmeb-1598	45	21	that	that	PRON
ajbmeb-1598	45	22	have	have	AUX
ajbmeb-1598	45	23	led	lead	VERB
ajbmeb-1598	45	24	to	to	ADP
ajbmeb-1598	45	25	the	the	DET
ajbmeb-1598	45	26	creation	creation	NOUN
ajbmeb-1598	45	27	of	of	ADP
ajbmeb-1598	45	28	new	new	ADJ
ajbmeb-1598	45	29	ways	way	NOUN
ajbmeb-1598	45	30	of	of	ADP
ajbmeb-1598	45	31	providing	provide	VERB
ajbmeb-1598	45	32	banking	banking	NOUN
ajbmeb-1598	45	33	services	service	NOUN
ajbmeb-1598	45	34	and	and	CCONJ
ajbmeb-1598	45	35	products	product	NOUN
ajbmeb-1598	45	36	,	,	PUNCT
ajbmeb-1598	45	37	and	and	CCONJ
ajbmeb-1598	45	38	after	after	SCONJ
ajbmeb-1598	45	39	what	what	PRON
ajbmeb-1598	45	40	has	have	AUX
ajbmeb-1598	45	41	been	be	AUX
ajbmeb-1598	45	42	clarified	clarify	VERB
ajbmeb-1598	45	43	the	the	DET
ajbmeb-1598	45	44	relationship	relationship	NOUN
ajbmeb-1598	45	45	between	between	ADP
ajbmeb-1598	45	46	the	the	DET
ajbmeb-1598	45	47	customer	customer	NOUN
ajbmeb-1598	45	48	dimension	dimension	NOUN
ajbmeb-1598	45	49	and	and	CCONJ
ajbmeb-1598	45	50	basel	basel	PROPN
ajbmeb-1598	45	51	iii	iii	PROPN
ajbmeb-1598	45	52	,	,	PUNCT
ajbmeb-1598	45	53	camels	camel	NOUN
ajbmeb-1598	45	54	,	,	PUNCT
ajbmeb-1598	45	55	cobit	cobit	NOUN
ajbmeb-1598	45	56	,	,	PUNCT
ajbmeb-1598	45	57	and	and	CCONJ
ajbmeb-1598	45	58	iso	iso	NOUN
ajbmeb-1598	45	59	standards	standard	NOUN
ajbmeb-1598	45	60	in	in	ADP
ajbmeb-1598	45	61	the	the	DET
ajbmeb-1598	45	62	process	process	NOUN
ajbmeb-1598	45	63	of	of	ADP
ajbmeb-1598	45	64	improving	improve	VERB
ajbmeb-1598	45	65	banking	banking	NOUN
ajbmeb-1598	45	66	performance	performance	NOUN
ajbmeb-1598	45	67	has	have	AUX
ajbmeb-1598	45	68	become	become	VERB
ajbmeb-1598	45	69	such	such	ADJ
ajbmeb-1598	45	70	that	that	SCONJ
ajbmeb-1598	45	71	we	we	PRON
ajbmeb-1598	45	72	can	can	AUX
ajbmeb-1598	45	73	present	present	VERB
ajbmeb-1598	45	74	a	a	DET
ajbmeb-1598	45	75	set	set	NOUN
ajbmeb-1598	45	76	of	of	ADP
ajbmeb-1598	45	77	important	important	ADJ
ajbmeb-1598	45	78	indicators	indicator	NOUN
ajbmeb-1598	45	79	that	that	PRON
ajbmeb-1598	45	80	were	be	AUX
ajbmeb-1598	45	81	concluded	conclude	VERB
ajbmeb-1598	45	82	according	accord	VERB
ajbmeb-1598	45	83	to	to	ADP
ajbmeb-1598	45	84	table	table	NOUN
ajbmeb-1598	45	85	(	(	PUNCT
ajbmeb-1598	45	86	1	1	NUM
ajbmeb-1598	45	87	)	)	PUNCT
ajbmeb-1598	45	88	below	below	ADV
ajbmeb-1598	45	89	:	:	PUNCT
ajbmeb-1598	45	90	indicator	indicator	NOUN
ajbmeb-1598	45	91	name	name	NOUN
ajbmeb-1598	45	92	indicator	indicator	NOUN
ajbmeb-1598	45	93	equation	equation	NOUN
ajbmeb-1598	45	94	1	1	NUM
ajbmeb-1598	45	95	bank	bank	NOUN
ajbmeb-1598	45	96	value	value	NOUN
ajbmeb-1598	45	97	ratio	ratio	NOUN
ajbmeb-1598	45	98	=	=	PUNCT
ajbmeb-1598	45	99	𝒎𝒂𝒓𝒌𝒆𝒕	𝒎𝒂𝒓𝒌𝒆𝒕	VERB
ajbmeb-1598	45	100	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	45	101	𝒃𝒐𝒐𝒌	𝒃𝒐𝒐𝒌	PROPN
ajbmeb-1598	45	102	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	45	103	2	2	NUM
ajbmeb-1598	45	104	current	current	ADJ
ajbmeb-1598	45	105	accounts	account	NOUN
ajbmeb-1598	45	106	index	index	NOUN
ajbmeb-1598	45	107	=	=	NOUN
ajbmeb-1598	46	1	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔−𝒚𝒆𝒂𝒓−𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔−𝒚𝒆𝒂𝒓−𝒄𝒖𝒓𝒓𝒆𝒏𝒕	PRON
ajbmeb-1598	46	2	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	46	3	−	−	NOUN
ajbmeb-1598	46	4	𝑪𝒖𝒓𝒓𝒆𝒏𝒕−𝒚𝒆𝒂𝒓−𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕−𝒚𝒆𝒂𝒓−𝒄𝒖𝒓𝒓𝒆𝒏𝒕	ADP
ajbmeb-1598	46	5	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	46	6	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	PROPN
ajbmeb-1598	46	7	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	NOUN
ajbmeb-1598	46	8	𝒇𝒐𝒓	𝒇𝒐𝒓	NOUN
ajbmeb-1598	46	9	𝒕𝒉𝒆	𝒕𝒉𝒆	PROPN
ajbmeb-1598	46	10	𝒑𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝒑𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	46	11	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	PROPN
ajbmeb-1598	46	12	×100	×100	NOUN
ajbmeb-1598	46	13	%	%	NOUN
ajbmeb-1598	46	14	3	3	NUM
ajbmeb-1598	46	15	savings	saving	NOUN
ajbmeb-1598	46	16	accounts	account	NOUN
ajbmeb-1598	46	17	index	index	NOUN
ajbmeb-1598	46	18	=	=	SYM
ajbmeb-1598	47	1	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	47	2	𝒀𝒆𝒂𝒓	𝒀𝒆𝒂𝒓	PROPN
ajbmeb-1598	47	3	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	PROPN
ajbmeb-1598	47	4	𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒔	PROPN
ajbmeb-1598	47	5	−	−	PROPN
ajbmeb-1598	48	1	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	PROPN
ajbmeb-1598	48	2	𝒀𝒆𝒂𝒓	𝒀𝒆𝒂𝒓	PROPN
ajbmeb-1598	48	3	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	PROPN
ajbmeb-1598	48	4	𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝑨𝒄𝒄𝒐𝒖𝒏𝒕𝒔	PROPN
ajbmeb-1598	48	5	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	𝑺𝒂𝒗𝒊𝒏𝒈𝒔	PROPN
ajbmeb-1598	48	6	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	48	7	𝒇𝒐𝒓	𝒇𝒐𝒓	NOUN
ajbmeb-1598	48	8	𝒕𝒉𝒆	𝒕𝒉𝒆	PROPN
ajbmeb-1598	48	9	𝒑𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝒑𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	48	10	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	PROPN
ajbmeb-1598	48	11	×100	×100	NOUN
ajbmeb-1598	48	12	%	%	NOUN
ajbmeb-1598	48	13	the	the	DET
ajbmeb-1598	48	14	customer	customer	NOUN
ajbmeb-1598	48	15	dimension	dimension	NOUN
ajbmeb-1598	48	16	:	:	PUNCT
ajbmeb-1598	48	17	the	the	DET
ajbmeb-1598	48	18	customer	customer	NOUN
ajbmeb-1598	48	19	dimension	dimension	NOUN
ajbmeb-1598	48	20	focuses	focus	VERB
ajbmeb-1598	48	21	on	on	ADP
ajbmeb-1598	48	22	achieving	achieve	VERB
ajbmeb-1598	48	23	customer	customer	NOUN
ajbmeb-1598	48	24	satisfaction	satisfaction	NOUN
ajbmeb-1598	48	25	and	and	CCONJ
ajbmeb-1598	48	26	gaining	gain	VERB
ajbmeb-1598	48	27	continued	continued	ADJ
ajbmeb-1598	48	28	loyalty	loyalty	NOUN
ajbmeb-1598	48	29	,	,	PUNCT
ajbmeb-1598	48	30	as	as	SCONJ
ajbmeb-1598	48	31	interest	interest	NOUN
ajbmeb-1598	48	32	in	in	ADP
ajbmeb-1598	48	33	the	the	DET
ajbmeb-1598	48	34	bank	bank	NOUN
ajbmeb-1598	48	35	’s	’s	PART
ajbmeb-1598	48	36	customers	customer	NOUN
ajbmeb-1598	48	37	is	be	AUX
ajbmeb-1598	48	38	an	an	DET
ajbmeb-1598	48	39	indicator	indicator	NOUN
ajbmeb-1598	48	40	of	of	ADP
ajbmeb-1598	48	41	the	the	DET
ajbmeb-1598	48	42	bank	bank	NOUN
ajbmeb-1598	48	43	’s	’s	PART
ajbmeb-1598	48	44	efficiency	efficiency	NOUN
ajbmeb-1598	48	45	and	and	CCONJ
ajbmeb-1598	48	46	success	success	NOUN
ajbmeb-1598	48	47	in	in	ADP
ajbmeb-1598	48	48	maintaining	maintain	VERB
ajbmeb-1598	48	49	its	its	PRON
ajbmeb-1598	48	50	customers	customer	NOUN
ajbmeb-1598	48	51	.	.	PUNCT
ajbmeb-1598	49	1	to	to	PART
ajbmeb-1598	49	2	demonstrate	demonstrate	VERB
ajbmeb-1598	49	3	the	the	DET
ajbmeb-1598	49	4	impact	impact	NOUN
ajbmeb-1598	49	5	of	of	ADP
ajbmeb-1598	49	6	applying	apply	VERB
ajbmeb-1598	49	7	modern	modern	ADJ
ajbmeb-1598	49	8	international	international	ADJ
ajbmeb-1598	49	9	standards	standard	NOUN
ajbmeb-1598	49	10	on	on	ADP
ajbmeb-1598	49	11	the	the	DET
ajbmeb-1598	49	12	study	study	NOUN
ajbmeb-1598	49	13	sample	sample	NOUN
ajbmeb-1598	49	14	,	,	PUNCT
ajbmeb-1598	49	15	the	the	DET
ajbmeb-1598	49	16	researcher	researcher	NOUN
ajbmeb-1598	49	17	prepared	prepare	VERB
ajbmeb-1598	49	18	customer	customer	NOUN
ajbmeb-1598	49	19	dimension	dimension	NOUN
ajbmeb-1598	49	20	ratios	ratio	NOUN
ajbmeb-1598	49	21	to	to	PART
ajbmeb-1598	49	22	improve	improve	VERB
ajbmeb-1598	49	23	banking	banking	NOUN
ajbmeb-1598	49	24	performance	performance	NOUN
ajbmeb-1598	49	25	.	.	PUNCT
ajbmeb-1598	50	1	athe	athe	PROPN
ajbmeb-1598	50	2	banking	banking	NOUN
ajbmeb-1598	50	3	institutional	institutional	ADJ
ajbmeb-1598	50	4	value	value	NOUN
ajbmeb-1598	50	5	ratio	ratio	NOUN
ajbmeb-1598	50	6	:	:	PUNCT
ajbmeb-1598	50	7	for	for	ADP
ajbmeb-1598	50	8	the	the	DET
ajbmeb-1598	50	9	purpose	purpose	NOUN
ajbmeb-1598	50	10	of	of	ADP
ajbmeb-1598	50	11	measuring	measure	VERB
ajbmeb-1598	50	12	the	the	DET
ajbmeb-1598	50	13	value	value	NOUN
ajbmeb-1598	50	14	of	of	ADP
ajbmeb-1598	50	15	the	the	DET
ajbmeb-1598	50	16	banking	banking	NOUN
ajbmeb-1598	50	17	institution	institution	NOUN
ajbmeb-1598	50	18	,	,	PUNCT
ajbmeb-1598	50	19	i	i	PRON
ajbmeb-1598	50	20	use	use	VERB
ajbmeb-1598	50	21	the	the	DET
ajbmeb-1598	50	22	twain	twain	PROPN
ajbmeb-1598	50	23	model	model	NOUN
ajbmeb-1598	50	24	(	(	PUNCT
ajbmeb-1598	50	25	tobin	tobin	PROPN
ajbmeb-1598	50	26	’s	’s	PART
ajbmeb-1598	50	27	q	q	NOUN
ajbmeb-1598	50	28	)	)	PUNCT
ajbmeb-1598	50	29	,	,	PUNCT
ajbmeb-1598	50	30	whose	whose	DET
ajbmeb-1598	50	31	idea	idea	NOUN
ajbmeb-1598	50	32	is	be	AUX
ajbmeb-1598	50	33	summarized	summarize	VERB
ajbmeb-1598	50	34	through	through	ADP
ajbmeb-1598	50	35	the	the	DET
ajbmeb-1598	50	36	market	market	NOUN
ajbmeb-1598	50	37	value	value	NOUN
ajbmeb-1598	50	38	american	american	PROPN
ajbmeb-1598	50	39	journal	journal	PROPN
ajbmeb-1598	50	40	of	of	ADP
ajbmeb-1598	50	41	business	business	NOUN
ajbmeb-1598	50	42	management	management	NOUN
ajbmeb-1598	50	43	,	,	PUNCT
ajbmeb-1598	50	44	economics	economic	NOUN
ajbmeb-1598	50	45	and	and	CCONJ
ajbmeb-1598	50	46	banking	banking	NOUN
ajbmeb-1598	50	47	volume	volume	NOUN
ajbmeb-1598	50	48	19	19	NUM
ajbmeb-1598	50	49	december	december	PROPN
ajbmeb-1598	50	50	,	,	PUNCT
ajbmeb-1598	50	51	2023	2023	NUM
ajbmeb-1598	50	52	p	p	NOUN
ajbmeb-1598	50	53	a	a	DET
ajbmeb-1598	50	54	g	g	NOUN
ajbmeb-1598	50	55	e	e	NOUN
ajbmeb-1598	50	56	|	|	NOUN
ajbmeb-1598	50	57	21	21	NUM
ajbmeb-1598	50	58	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	50	59	to	to	ADP
ajbmeb-1598	50	60	the	the	DET
ajbmeb-1598	50	61	book	book	NOUN
ajbmeb-1598	50	62	value	value	NOUN
ajbmeb-1598	50	63	.	.	PUNCT
ajbmeb-1598	51	1	if	if	SCONJ
ajbmeb-1598	51	2	the	the	DET
ajbmeb-1598	51	3	value	value	NOUN
ajbmeb-1598	51	4	of	of	ADP
ajbmeb-1598	51	5	tobin	tobin	PROPN
ajbmeb-1598	51	6	’s	’s	PART
ajbmeb-1598	51	7	q	q	PUNCT
ajbmeb-1598	51	8	reaches	reach	VERB
ajbmeb-1598	51	9	one	one	NUM
ajbmeb-1598	51	10	or	or	CCONJ
ajbmeb-1598	51	11	more	more	ADV
ajbmeb-1598	51	12	correct	correct	ADJ
ajbmeb-1598	51	13	points	point	NOUN
ajbmeb-1598	51	14	,	,	PUNCT
ajbmeb-1598	51	15	this	this	PRON
ajbmeb-1598	51	16	means	mean	VERB
ajbmeb-1598	51	17	a	a	DET
ajbmeb-1598	51	18	positive	positive	ADJ
ajbmeb-1598	51	19	indicator	indicator	NOUN
ajbmeb-1598	51	20	that	that	SCONJ
ajbmeb-1598	51	21	the	the	DET
ajbmeb-1598	51	22	value	value	NOUN
ajbmeb-1598	51	23	of	of	ADP
ajbmeb-1598	51	24	the	the	DET
ajbmeb-1598	51	25	bank	bank	NOUN
ajbmeb-1598	51	26	higher	high	ADJ
ajbmeb-1598	51	27	than	than	ADP
ajbmeb-1598	51	28	the	the	DET
ajbmeb-1598	51	29	value	value	NOUN
ajbmeb-1598	51	30	of	of	ADP
ajbmeb-1598	51	31	its	its	PRON
ajbmeb-1598	51	32	assets	asset	NOUN
ajbmeb-1598	51	33	,	,	PUNCT
ajbmeb-1598	51	34	and	and	CCONJ
ajbmeb-1598	51	35	this	this	PRON
ajbmeb-1598	51	36	indicates	indicate	VERB
ajbmeb-1598	51	37	an	an	DET
ajbmeb-1598	51	38	increase	increase	NOUN
ajbmeb-1598	51	39	in	in	ADP
ajbmeb-1598	51	40	the	the	DET
ajbmeb-1598	51	41	market	market	NOUN
ajbmeb-1598	51	42	value	value	NOUN
ajbmeb-1598	51	43	of	of	ADP
ajbmeb-1598	51	44	the	the	DET
ajbmeb-1598	51	45	bank	bank	NOUN
ajbmeb-1598	51	46	’s	’s	PART
ajbmeb-1598	51	47	shares	share	NOUN
ajbmeb-1598	51	48	,	,	PUNCT
ajbmeb-1598	51	49	in	in	ADP
ajbmeb-1598	51	50	addition	addition	NOUN
ajbmeb-1598	51	51	to	to	ADP
ajbmeb-1598	51	52	being	be	AUX
ajbmeb-1598	51	53	preferred	prefer	VERB
ajbmeb-1598	51	54	by	by	ADP
ajbmeb-1598	51	55	some	some	PRON
ajbmeb-1598	51	56	as	as	SCONJ
ajbmeb-1598	51	57	it	it	PRON
ajbmeb-1598	51	58	provides	provide	VERB
ajbmeb-1598	51	59	a	a	DET
ajbmeb-1598	51	60	good	good	ADJ
ajbmeb-1598	51	61	picture	picture	NOUN
ajbmeb-1598	51	62	of	of	ADP
ajbmeb-1598	51	63	performance	performance	NOUN
ajbmeb-1598	51	64	and	and	CCONJ
ajbmeb-1598	51	65	profitability	profitability	NOUN
ajbmeb-1598	51	66	.	.	PUNCT
ajbmeb-1598	52	1	however	however	ADV
ajbmeb-1598	52	2	,	,	PUNCT
ajbmeb-1598	52	3	if	if	SCONJ
ajbmeb-1598	52	4	the	the	DET
ajbmeb-1598	52	5	value	value	NOUN
ajbmeb-1598	52	6	of	of	ADP
ajbmeb-1598	52	7	tobin	tobin	PROPN
ajbmeb-1598	52	8	's	's	PART
ajbmeb-1598	52	9	is	be	AUX
ajbmeb-1598	52	10	less	less	ADJ
ajbmeb-1598	52	11	than	than	ADP
ajbmeb-1598	52	12	the	the	DET
ajbmeb-1598	52	13	correct	correct	ADJ
ajbmeb-1598	52	14	one	one	NOUN
ajbmeb-1598	52	15	,	,	PUNCT
ajbmeb-1598	52	16	this	this	PRON
ajbmeb-1598	52	17	gives	give	VERB
ajbmeb-1598	52	18	a	a	DET
ajbmeb-1598	52	19	weak	weak	ADJ
ajbmeb-1598	52	20	value	value	NOUN
ajbmeb-1598	52	21	to	to	ADP
ajbmeb-1598	52	22	the	the	DET
ajbmeb-1598	52	23	bank	bank	NOUN
ajbmeb-1598	52	24	,	,	PUNCT
ajbmeb-1598	52	25	and	and	CCONJ
ajbmeb-1598	52	26	the	the	DET
ajbmeb-1598	52	27	reason	reason	NOUN
ajbmeb-1598	52	28	for	for	ADP
ajbmeb-1598	52	29	this	this	PRON
ajbmeb-1598	52	30	may	may	AUX
ajbmeb-1598	52	31	be	be	AUX
ajbmeb-1598	52	32	that	that	SCONJ
ajbmeb-1598	52	33	it	it	PRON
ajbmeb-1598	52	34	is	be	AUX
ajbmeb-1598	52	35	affected	affect	VERB
ajbmeb-1598	52	36	by	by	ADP
ajbmeb-1598	52	37	many	many	ADJ
ajbmeb-1598	52	38	internal	internal	ADJ
ajbmeb-1598	52	39	and	and	CCONJ
ajbmeb-1598	52	40	external	external	ADJ
ajbmeb-1598	52	41	factors	factor	NOUN
ajbmeb-1598	52	42	that	that	PRON
ajbmeb-1598	52	43	some	some	DET
ajbmeb-1598	52	44	banks	bank	NOUN
ajbmeb-1598	52	45	go	go	VERB
ajbmeb-1598	52	46	through	through	ADV
ajbmeb-1598	52	47	,	,	PUNCT
ajbmeb-1598	52	48	including	include	VERB
ajbmeb-1598	52	49	financial	financial	ADJ
ajbmeb-1598	52	50	,	,	PUNCT
ajbmeb-1598	52	51	economic	economic	ADJ
ajbmeb-1598	52	52	,	,	PUNCT
ajbmeb-1598	52	53	and	and	CCONJ
ajbmeb-1598	52	54	political	political	ADJ
ajbmeb-1598	52	55	conditions	condition	NOUN
ajbmeb-1598	52	56	due	due	ADJ
ajbmeb-1598	52	57	to	to	ADP
ajbmeb-1598	52	58	which	which	PRON
ajbmeb-1598	52	59	they	they	PRON
ajbmeb-1598	52	60	had	have	VERB
ajbmeb-1598	52	61	a	a	DET
ajbmeb-1598	52	62	direct	direct	ADJ
ajbmeb-1598	52	63	and	and	CCONJ
ajbmeb-1598	52	64	negative	negative	ADJ
ajbmeb-1598	52	65	impact	impact	NOUN
ajbmeb-1598	52	66	on	on	ADP
ajbmeb-1598	52	67	their	their	PRON
ajbmeb-1598	52	68	value	value	NOUN
ajbmeb-1598	52	69	in	in	ADP
ajbmeb-1598	52	70	terms	term	NOUN
ajbmeb-1598	52	71	of	of	ADP
ajbmeb-1598	52	72	a	a	DET
ajbmeb-1598	52	73	decrease	decrease	NOUN
ajbmeb-1598	52	74	in	in	ADP
ajbmeb-1598	52	75	market	market	NOUN
ajbmeb-1598	52	76	value	value	NOUN
ajbmeb-1598	52	77	.	.	PUNCT
ajbmeb-1598	53	1	for	for	ADP
ajbmeb-1598	53	2	these	these	DET
ajbmeb-1598	53	3	banks	bank	NOUN
ajbmeb-1598	53	4	,	,	PUNCT
ajbmeb-1598	53	5	or	or	CCONJ
ajbmeb-1598	53	6	a	a	DET
ajbmeb-1598	53	7	decrease	decrease	NOUN
ajbmeb-1598	53	8	in	in	ADP
ajbmeb-1598	53	9	net	net	ADJ
ajbmeb-1598	53	10	revenues	revenue	NOUN
ajbmeb-1598	53	11	,	,	PUNCT
ajbmeb-1598	53	12	which	which	PRON
ajbmeb-1598	53	13	is	be	AUX
ajbmeb-1598	53	14	reflected	reflect	VERB
ajbmeb-1598	53	15	in	in	ADP
ajbmeb-1598	53	16	a	a	DET
ajbmeb-1598	53	17	decrease	decrease	NOUN
ajbmeb-1598	53	18	in	in	ADP
ajbmeb-1598	53	19	stock	stock	NOUN
ajbmeb-1598	53	20	prices	price	NOUN
ajbmeb-1598	53	21	,	,	PUNCT
ajbmeb-1598	53	22	the	the	DET
ajbmeb-1598	53	23	tobin	tobin	NOUN
ajbmeb-1598	53	24	's	's	PART
ajbmeb-1598	53	25	index	index	NOUN
ajbmeb-1598	53	26	is	be	AUX
ajbmeb-1598	53	27	measured	measure	VERB
ajbmeb-1598	53	28	according	accord	VERB
ajbmeb-1598	53	29	to	to	ADP
ajbmeb-1598	53	30	the	the	DET
ajbmeb-1598	53	31	following	follow	VERB
ajbmeb-1598	53	32	equation	equation	NOUN
ajbmeb-1598	53	33	:	:	PUNCT
ajbmeb-1598	53	34	by	by	ADP
ajbmeb-1598	53	35	dividing	divide	VERB
ajbmeb-1598	53	36	the	the	DET
ajbmeb-1598	53	37	market	market	NOUN
ajbmeb-1598	53	38	value	value	NOUN
ajbmeb-1598	53	39	by	by	ADP
ajbmeb-1598	53	40	the	the	DET
ajbmeb-1598	53	41	book	book	NOUN
ajbmeb-1598	53	42	value	value	NOUN
ajbmeb-1598	53	43	.	.	PUNCT
ajbmeb-1598	54	1	aitvmarket	aitvmarket	PROPN
ajbmeb-1598	54	2	value	value	NOUN
ajbmeb-1598	54	3	(	(	PUNCT
ajbmeb-1598	54	4	closing	closing	NOUN
ajbmeb-1598	54	5	price	price	NOUN
ajbmeb-1598	54	6	x	x	NOUN
ajbmeb-1598	54	7	number	number	NOUN
ajbmeb-1598	54	8	of	of	ADP
ajbmeb-1598	54	9	shares	share	NOUN
ajbmeb-1598	54	10	issued	issue	VERB
ajbmeb-1598	54	11	)	)	PUNCT
ajbmeb-1598	54	12	tabv	tabv	PROPN
ajbmeb-1598	54	13	book	book	NOUN
ajbmeb-1598	54	14	value	value	NOUN
ajbmeb-1598	54	15	table	table	NOUN
ajbmeb-1598	54	16	(	(	PUNCT
ajbmeb-1598	54	17	2	2	NUM
ajbmeb-1598	54	18	):	):	PUNCT
ajbmeb-1598	54	19	results	result	NOUN
ajbmeb-1598	54	20	of	of	ADP
ajbmeb-1598	54	21	calculating	calculate	VERB
ajbmeb-1598	54	22	the	the	DET
ajbmeb-1598	54	23	bank	bank	NOUN
ajbmeb-1598	54	24	’s	’s	PART
ajbmeb-1598	54	25	corporate	corporate	ADJ
ajbmeb-1598	54	26	value	value	NOUN
ajbmeb-1598	54	27	ratio	ratio	NOUN
ajbmeb-1598	54	28	in	in	ADP
ajbmeb-1598	54	29	the	the	DET
ajbmeb-1598	54	30	study	study	NOUN
ajbmeb-1598	54	31	sample	sample	NOUN
ajbmeb-1598	54	32	for	for	ADP
ajbmeb-1598	54	33	the	the	DET
ajbmeb-1598	54	34	period	period	NOUN
ajbmeb-1598	54	35	(	(	PUNCT
ajbmeb-1598	54	36	2017	2017	NUM
ajbmeb-1598	54	37	-	-	SYM
ajbmeb-1598	54	38	2020	2020	NUM
ajbmeb-1598	54	39	)	)	PUNCT
ajbmeb-1598	54	40	.	.	PUNCT
ajbmeb-1598	55	1	bank	bank	PROPN
ajbmeb-1598	55	2	of	of	ADP
ajbmeb-1598	55	3	baghdad	baghdad	PROPN
ajbmeb-1598	55	4	indicator	indicator	PROPN
ajbmeb-1598	55	5	indicator	indicator	NOUN
ajbmeb-1598	55	6	equation	equation	NOUN
ajbmeb-1598	55	7	2017	2017	NUM
ajbmeb-1598	55	8	2018	2018	NUM
ajbmeb-1598	55	9	2019	2019	NUM
ajbmeb-1598	55	10	2020	2020	NUM
ajbmeb-1598	55	11	average	average	VERB
ajbmeb-1598	55	12	the	the	DET
ajbmeb-1598	55	13	bank	bank	NOUN
ajbmeb-1598	55	14	's	's	PART
ajbmeb-1598	55	15	enterprise	enterprise	NOUN
ajbmeb-1598	55	16	value	value	NOUN
ajbmeb-1598	55	17	ratio	ratio	NOUN
ajbmeb-1598	55	18	=	=	PUNCT
ajbmeb-1598	55	19	𝒎𝒂𝒓𝒌𝒆𝒕	𝒎𝒂𝒓𝒌𝒆𝒕	VERB
ajbmeb-1598	55	20	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	55	21	𝒃𝒐𝒐𝒌	𝒃𝒐𝒐𝒌	PROPN
ajbmeb-1598	55	22	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	55	23	0.13	0.13	NUM
ajbmeb-1598	55	24	0.63	0.63	NUM
ajbmeb-1598	55	25	0.066	0.066	NUM
ajbmeb-1598	55	26	0.07	0.07	NUM
ajbmeb-1598	55	27	0.2	0.2	NUM
ajbmeb-1598	55	28	%	%	NOUN
ajbmeb-1598	55	29	ashur	ashur	PROPN
ajbmeb-1598	55	30	international	international	PROPN
ajbmeb-1598	55	31	bank	bank	PROPN
ajbmeb-1598	55	32	the	the	DET
ajbmeb-1598	55	33	bank	bank	NOUN
ajbmeb-1598	55	34	's	's	PART
ajbmeb-1598	55	35	enterprise	enterprise	NOUN
ajbmeb-1598	55	36	value	value	NOUN
ajbmeb-1598	55	37	ratio	ratio	NOUN
ajbmeb-1598	55	38	=	=	PUNCT
ajbmeb-1598	55	39	𝒎𝒂𝒓𝒌𝒆𝒕	𝒎𝒂𝒓𝒌𝒆𝒕	VERB
ajbmeb-1598	55	40	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	55	41	𝒃𝒐𝒐𝒌	𝒃𝒐𝒐𝒌	PROPN
ajbmeb-1598	55	42	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	VERB
ajbmeb-1598	55	43	0.2	0.2	NUM
ajbmeb-1598	55	44	0.12	0.12	NUM
ajbmeb-1598	55	45	0.14	0.14	NUM
ajbmeb-1598	55	46	0.15	0.15	NUM
ajbmeb-1598	55	47	0,15	0,15	X
ajbmeb-1598	55	48	trans	trans	PROPN
ajbmeb-1598	55	49	-	-	PROPN
ajbmeb-1598	55	50	iraq	iraq	PROPN
ajbmeb-1598	55	51	bank	bank	PROPN
ajbmeb-1598	55	52	the	the	DET
ajbmeb-1598	55	53	bank	bank	NOUN
ajbmeb-1598	55	54	's	's	PART
ajbmeb-1598	55	55	enterprise	enterprise	NOUN
ajbmeb-1598	55	56	value	value	NOUN
ajbmeb-1598	55	57	ratio	ratio	NOUN
ajbmeb-1598	55	58	𝒎𝒂𝒓𝒌𝒆𝒕	𝒎𝒂𝒓𝒌𝒆𝒕	PROPN
ajbmeb-1598	55	59	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	55	60	𝒃𝒐𝒐𝒌	𝒃𝒐𝒐𝒌	PROPN
ajbmeb-1598	55	61	𝒗𝒂𝒍𝒖𝒆	𝒗𝒂𝒍𝒖𝒆	PROPN
ajbmeb-1598	55	62	0.5	0.5	NUM
ajbmeb-1598	55	63	0.6	0.6	NUM
ajbmeb-1598	55	64	0.53	0.53	NUM
ajbmeb-1598	55	65	0.54	0.54	NUM
ajbmeb-1598	55	66	0.5	0.5	NUM
ajbmeb-1598	55	67	source	source	NOUN
ajbmeb-1598	55	68	:	:	PUNCT
ajbmeb-1598	55	69	prepared	prepare	VERB
ajbmeb-1598	55	70	by	by	ADP
ajbmeb-1598	55	71	the	the	DET
ajbmeb-1598	55	72	researcher	researcher	NOUN
ajbmeb-1598	55	73	based	base	VERB
ajbmeb-1598	55	74	on	on	ADP
ajbmeb-1598	55	75	the	the	DET
ajbmeb-1598	55	76	annual	annual	ADJ
ajbmeb-1598	55	77	reports	report	NOUN
ajbmeb-1598	55	78	of	of	ADP
ajbmeb-1598	55	79	commercial	commercial	ADJ
ajbmeb-1598	55	80	banks	bank	NOUN
ajbmeb-1598	55	81	,	,	PUNCT
ajbmeb-1598	55	82	the	the	DET
ajbmeb-1598	55	83	study	study	NOUN
ajbmeb-1598	55	84	sample	sample	NOUN
ajbmeb-1598	55	85	for	for	ADP
ajbmeb-1598	55	86	the	the	DET
ajbmeb-1598	55	87	period	period	NOUN
ajbmeb-1598	55	88	(	(	PUNCT
ajbmeb-1598	55	89	2017	2017	NUM
ajbmeb-1598	55	90	-	-	SYM
ajbmeb-1598	55	91	2020	2020	NUM
ajbmeb-1598	55	92	)	)	PUNCT
ajbmeb-1598	55	93	.	.	PUNCT
ajbmeb-1598	56	1	bank	bank	PROPN
ajbmeb-1598	56	2	of	of	ADP
ajbmeb-1598	56	3	baghdad	baghdad	PROPN
ajbmeb-1598	56	4	:	:	PUNCT
ajbmeb-1598	56	5	the	the	DET
ajbmeb-1598	56	6	ratio	ratio	NOUN
ajbmeb-1598	56	7	of	of	ADP
ajbmeb-1598	56	8	the	the	DET
ajbmeb-1598	56	9	market	market	NOUN
ajbmeb-1598	56	10	value	value	NOUN
ajbmeb-1598	56	11	to	to	ADP
ajbmeb-1598	56	12	the	the	DET
ajbmeb-1598	56	13	share	share	NOUN
ajbmeb-1598	56	14	price	price	NOUN
ajbmeb-1598	56	15	of	of	ADP
ajbmeb-1598	56	16	the	the	DET
ajbmeb-1598	56	17	bank	bank	NOUN
ajbmeb-1598	56	18	of	of	ADP
ajbmeb-1598	56	19	baghdad	baghdad	PROPN
ajbmeb-1598	56	20	recorded	record	VERB
ajbmeb-1598	56	21	its	its	PRON
ajbmeb-1598	56	22	highest	high	ADJ
ajbmeb-1598	56	23	increase	increase	NOUN
ajbmeb-1598	56	24	in	in	ADP
ajbmeb-1598	56	25	the	the	DET
ajbmeb-1598	56	26	year	year	NOUN
ajbmeb-1598	56	27	(	(	PUNCT
ajbmeb-1598	56	28	2018	2018	NUM
ajbmeb-1598	56	29	)	)	PUNCT
ajbmeb-1598	56	30	,	,	PUNCT
ajbmeb-1598	56	31	reaching	reach	VERB
ajbmeb-1598	56	32	0.63	0.63	NUM
ajbmeb-1598	56	33	%	%	NOUN
ajbmeb-1598	56	34	compared	compare	VERB
ajbmeb-1598	56	35	to	to	ADP
ajbmeb-1598	56	36	other	other	ADJ
ajbmeb-1598	56	37	years	year	NOUN
ajbmeb-1598	56	38	.	.	PUNCT
ajbmeb-1598	57	1	the	the	DET
ajbmeb-1598	57	2	market	market	NOUN
ajbmeb-1598	57	3	value	value	NOUN
ajbmeb-1598	57	4	ratio	ratio	NOUN
ajbmeb-1598	57	5	decreased	decrease	VERB
ajbmeb-1598	57	6	in	in	ADP
ajbmeb-1598	57	7	the	the	DET
ajbmeb-1598	57	8	years	year	NOUN
ajbmeb-1598	57	9	2017	2017	NUM
ajbmeb-1598	57	10	,	,	PUNCT
ajbmeb-1598	57	11	2019	2019	NUM
ajbmeb-1598	57	12	,	,	PUNCT
ajbmeb-1598	57	13	and	and	CCONJ
ajbmeb-1598	57	14	2020	2020	NUM
ajbmeb-1598	57	15	,	,	PUNCT
ajbmeb-1598	57	16	as	as	SCONJ
ajbmeb-1598	57	17	it	it	PRON
ajbmeb-1598	57	18	reached	reach	VERB
ajbmeb-1598	57	19	(	(	PUNCT
ajbmeb-1598	57	20	0.13	0.13	NUM
ajbmeb-1598	57	21	%	%	NOUN
ajbmeb-1598	57	22	,	,	PUNCT
ajbmeb-1598	57	23	0.066	0.066	NUM
ajbmeb-1598	57	24	%	%	NOUN
ajbmeb-1598	57	25	,	,	PUNCT
ajbmeb-1598	57	26	0.07	0.07	NUM
ajbmeb-1598	57	27	)	)	PUNCT
ajbmeb-1598	57	28	.	.	PUNCT
ajbmeb-1598	58	1	%	%	INTJ
ajbmeb-1598	58	2	)	)	PUNCT
ajbmeb-1598	58	3	respectively	respectively	ADV
ajbmeb-1598	58	4	ashur	ashur	PROPN
ajbmeb-1598	58	5	international	international	PROPN
ajbmeb-1598	58	6	bank	bank	NOUN
ajbmeb-1598	58	7	:	:	PUNCT
ajbmeb-1598	58	8	the	the	DET
ajbmeb-1598	58	9	ratio	ratio	NOUN
ajbmeb-1598	58	10	of	of	ADP
ajbmeb-1598	58	11	the	the	DET
ajbmeb-1598	58	12	market	market	NOUN
ajbmeb-1598	58	13	value	value	NOUN
ajbmeb-1598	58	14	to	to	ADP
ajbmeb-1598	58	15	the	the	DET
ajbmeb-1598	58	16	share	share	NOUN
ajbmeb-1598	58	17	price	price	NOUN
ajbmeb-1598	58	18	of	of	ADP
ajbmeb-1598	58	19	ashur	ashur	PROPN
ajbmeb-1598	58	20	bank	bank	PROPN
ajbmeb-1598	58	21	recorded	record	VERB
ajbmeb-1598	58	22	its	its	PRON
ajbmeb-1598	58	23	highest	high	ADJ
ajbmeb-1598	58	24	increase	increase	NOUN
ajbmeb-1598	58	25	in	in	ADP
ajbmeb-1598	58	26	the	the	DET
ajbmeb-1598	58	27	year	year	NOUN
ajbmeb-1598	58	28	2017	2017	NUM
ajbmeb-1598	58	29	,	,	PUNCT
ajbmeb-1598	58	30	reaching	reach	VERB
ajbmeb-1598	58	31	0.2	0.2	NUM
ajbmeb-1598	58	32	%	%	NOUN
ajbmeb-1598	58	33	compared	compare	VERB
ajbmeb-1598	58	34	to	to	ADP
ajbmeb-1598	58	35	other	other	ADJ
ajbmeb-1598	58	36	years	year	NOUN
ajbmeb-1598	58	37	.	.	PUNCT
ajbmeb-1598	59	1	the	the	DET
ajbmeb-1598	59	2	ratio	ratio	NOUN
ajbmeb-1598	59	3	of	of	ADP
ajbmeb-1598	59	4	the	the	DET
ajbmeb-1598	59	5	market	market	NOUN
ajbmeb-1598	59	6	value	value	NOUN
ajbmeb-1598	59	7	decreased	decrease	VERB
ajbmeb-1598	59	8	in	in	ADP
ajbmeb-1598	59	9	2018	2018	NUM
ajbmeb-1598	59	10	,	,	PUNCT
ajbmeb-1598	59	11	2019	2019	NUM
ajbmeb-1598	59	12	,	,	PUNCT
ajbmeb-1598	59	13	2020	2020	NUM
ajbmeb-1598	59	14	,	,	PUNCT
ajbmeb-1598	59	15	as	as	SCONJ
ajbmeb-1598	59	16	it	it	PRON
ajbmeb-1598	59	17	reached	reach	VERB
ajbmeb-1598	59	18	(	(	PUNCT
ajbmeb-1598	59	19	0.12	0.12	NUM
ajbmeb-1598	59	20	%	%	NOUN
ajbmeb-1598	59	21	,	,	PUNCT
ajbmeb-1598	59	22	0.14	0.14	NUM
ajbmeb-1598	59	23	%	%	NOUN
ajbmeb-1598	59	24	,	,	PUNCT
ajbmeb-1598	59	25	0.15	0.15	NUM
ajbmeb-1598	59	26	%	%	NOUN
ajbmeb-1598	59	27	)	)	PUNCT
ajbmeb-1598	59	28	.	.	PUNCT
ajbmeb-1598	60	1	respectively	respectively	ADV
ajbmeb-1598	60	2	trans	trans	PROPN
ajbmeb-1598	60	3	-	-	PROPN
ajbmeb-1598	60	4	iraq	iraq	PROPN
ajbmeb-1598	60	5	bank	bank	NOUN
ajbmeb-1598	60	6	:	:	PUNCT
ajbmeb-1598	60	7	the	the	DET
ajbmeb-1598	60	8	ratio	ratio	NOUN
ajbmeb-1598	60	9	of	of	ADP
ajbmeb-1598	60	10	the	the	DET
ajbmeb-1598	60	11	market	market	NOUN
ajbmeb-1598	60	12	value	value	NOUN
ajbmeb-1598	60	13	to	to	ADP
ajbmeb-1598	60	14	the	the	DET
ajbmeb-1598	60	15	share	share	NOUN
ajbmeb-1598	60	16	price	price	NOUN
ajbmeb-1598	60	17	of	of	ADP
ajbmeb-1598	60	18	trans	trans	PROPN
ajbmeb-1598	60	19	-	-	PROPN
ajbmeb-1598	60	20	iraq	iraq	PROPN
ajbmeb-1598	60	21	bank	bank	PROPN
ajbmeb-1598	60	22	recorded	record	VERB
ajbmeb-1598	60	23	its	its	PRON
ajbmeb-1598	60	24	highest	high	ADJ
ajbmeb-1598	60	25	increase	increase	NOUN
ajbmeb-1598	60	26	in	in	ADP
ajbmeb-1598	60	27	the	the	DET
ajbmeb-1598	60	28	year	year	NOUN
ajbmeb-1598	60	29	2018	2018	NUM
ajbmeb-1598	60	30	,	,	PUNCT
ajbmeb-1598	60	31	reaching	reach	VERB
ajbmeb-1598	60	32	0.6	0.6	NUM
ajbmeb-1598	60	33	%	%	NOUN
ajbmeb-1598	60	34	.	.	PUNCT
ajbmeb-1598	61	1	through	through	ADP
ajbmeb-1598	61	2	table	table	NOUN
ajbmeb-1598	61	3	(	(	PUNCT
ajbmeb-1598	61	4	2	2	NUM
ajbmeb-1598	61	5	)	)	PUNCT
ajbmeb-1598	61	6	,	,	PUNCT
ajbmeb-1598	61	7	it	it	PRON
ajbmeb-1598	61	8	is	be	AUX
ajbmeb-1598	61	9	clear	clear	ADJ
ajbmeb-1598	61	10	to	to	ADP
ajbmeb-1598	61	11	us	we	PRON
ajbmeb-1598	61	12	that	that	SCONJ
ajbmeb-1598	61	13	the	the	DET
ajbmeb-1598	61	14	highest	high	ADJ
ajbmeb-1598	61	15	average	average	ADJ
ajbmeb-1598	61	16	ratio	ratio	NOUN
ajbmeb-1598	61	17	achieved	achieve	VERB
ajbmeb-1598	61	18	was	be	AUX
ajbmeb-1598	61	19	for	for	ADP
ajbmeb-1598	61	20	trans	trans	PROPN
ajbmeb-1598	61	21	-	-	PROPN
ajbmeb-1598	61	22	iraq	iraq	PROPN
ajbmeb-1598	61	23	bank	bank	NOUN
ajbmeb-1598	61	24	,	,	PUNCT
ajbmeb-1598	61	25	as	as	SCONJ
ajbmeb-1598	61	26	the	the	DET
ajbmeb-1598	61	27	average	average	ADJ
ajbmeb-1598	61	28	ratio	ratio	NOUN
ajbmeb-1598	61	29	reached	reach	VERB
ajbmeb-1598	61	30	(	(	PUNCT
ajbmeb-1598	61	31	0.5)%	0.5)%	NOUN
ajbmeb-1598	61	32	compared	compare	VERB
ajbmeb-1598	61	33	to	to	ADP
ajbmeb-1598	61	34	with	with	ADP
ajbmeb-1598	61	35	the	the	DET
ajbmeb-1598	61	36	other	other	ADJ
ajbmeb-1598	61	37	commercial	commercial	ADJ
ajbmeb-1598	61	38	banks	bank	NOUN
ajbmeb-1598	61	39	in	in	ADP
ajbmeb-1598	61	40	the	the	DET
ajbmeb-1598	61	41	study	study	NOUN
ajbmeb-1598	61	42	sample	sample	NOUN
ajbmeb-1598	61	43	,	,	PUNCT
ajbmeb-1598	61	44	the	the	DET
ajbmeb-1598	61	45	average	average	ADJ
ajbmeb-1598	61	46	percentage	percentage	NOUN
ajbmeb-1598	61	47	reached	reach	VERB
ajbmeb-1598	61	48	(	(	PUNCT
ajbmeb-1598	61	49	0.2	0.2	NUM
ajbmeb-1598	61	50	%	%	NOUN
ajbmeb-1598	61	51	,	,	PUNCT
ajbmeb-1598	61	52	0.15	0.15	NUM
ajbmeb-1598	61	53	%	%	NOUN
ajbmeb-1598	61	54	)	)	PUNCT
ajbmeb-1598	61	55	american	american	PROPN
ajbmeb-1598	61	56	journal	journal	PROPN
ajbmeb-1598	61	57	of	of	ADP
ajbmeb-1598	61	58	business	business	NOUN
ajbmeb-1598	61	59	management	management	NOUN
ajbmeb-1598	61	60	,	,	PUNCT
ajbmeb-1598	61	61	economics	economic	NOUN
ajbmeb-1598	61	62	and	and	CCONJ
ajbmeb-1598	61	63	banking	banking	NOUN
ajbmeb-1598	61	64	volume	volume	NOUN
ajbmeb-1598	61	65	19	19	NUM
ajbmeb-1598	61	66	december	december	PROPN
ajbmeb-1598	61	67	,	,	PUNCT
ajbmeb-1598	61	68	2023	2023	NUM
ajbmeb-1598	61	69	p	p	NOUN
ajbmeb-1598	61	70	a	a	DET
ajbmeb-1598	61	71	g	g	NOUN
ajbmeb-1598	61	72	e	e	NOUN
ajbmeb-1598	61	73	|	|	NOUN
ajbmeb-1598	61	74	22	22	NUM
ajbmeb-1598	61	75	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	61	76	for	for	ADP
ajbmeb-1598	61	77	the	the	DET
ajbmeb-1598	61	78	banks	bank	NOUN
ajbmeb-1598	61	79	in	in	ADP
ajbmeb-1598	61	80	baghdad	baghdad	PROPN
ajbmeb-1598	61	81	and	and	CCONJ
ajbmeb-1598	61	82	the	the	DET
ajbmeb-1598	61	83	assyrian	assyrian	ADJ
ajbmeb-1598	61	84	international	international	ADJ
ajbmeb-1598	61	85	bank	bank	NOUN
ajbmeb-1598	61	86	.	.	PUNCT
ajbmeb-1598	62	1	it	it	PRON
ajbmeb-1598	62	2	is	be	AUX
ajbmeb-1598	62	3	clear	clear	ADJ
ajbmeb-1598	62	4	from	from	ADP
ajbmeb-1598	62	5	this	this	DET
ajbmeb-1598	62	6	analysis	analysis	NOUN
ajbmeb-1598	62	7	that	that	SCONJ
ajbmeb-1598	62	8	the	the	DET
ajbmeb-1598	62	9	above	above	ADJ
ajbmeb-1598	62	10	banks	bank	NOUN
ajbmeb-1598	62	11	all	all	PRON
ajbmeb-1598	62	12	achieved	achieve	VERB
ajbmeb-1598	62	13	a	a	DET
ajbmeb-1598	62	14	banking	banking	NOUN
ajbmeb-1598	62	15	value	value	NOUN
ajbmeb-1598	62	16	of	of	ADP
ajbmeb-1598	62	17	less	less	ADJ
ajbmeb-1598	62	18	than	than	ADP
ajbmeb-1598	62	19	1	1	NUM
ajbmeb-1598	62	20	,	,	PUNCT
ajbmeb-1598	62	21	which	which	PRON
ajbmeb-1598	62	22	is	be	AUX
ajbmeb-1598	62	23	a	a	DET
ajbmeb-1598	62	24	percentage	percentage	NOUN
ajbmeb-1598	62	25	weak	weak	ADJ
ajbmeb-1598	62	26	confirms	confirm	VERB
ajbmeb-1598	62	27	that	that	SCONJ
ajbmeb-1598	62	28	the	the	DET
ajbmeb-1598	62	29	banks	bank	NOUN
ajbmeb-1598	62	30	are	be	AUX
ajbmeb-1598	62	31	in	in	ADP
ajbmeb-1598	62	32	a	a	DET
ajbmeb-1598	62	33	stage	stage	NOUN
ajbmeb-1598	62	34	of	of	ADP
ajbmeb-1598	62	35	danger	danger	NOUN
ajbmeb-1598	62	36	if	if	SCONJ
ajbmeb-1598	62	37	the	the	DET
ajbmeb-1598	62	38	real	real	ADJ
ajbmeb-1598	62	39	value	value	NOUN
ajbmeb-1598	62	40	of	of	ADP
ajbmeb-1598	62	41	their	their	PRON
ajbmeb-1598	62	42	assets	asset	NOUN
ajbmeb-1598	62	43	is	be	AUX
ajbmeb-1598	62	44	less	less	ADJ
ajbmeb-1598	62	45	than	than	ADP
ajbmeb-1598	62	46	the	the	DET
ajbmeb-1598	62	47	market	market	NOUN
ajbmeb-1598	62	48	value	value	NOUN
ajbmeb-1598	62	49	,	,	PUNCT
ajbmeb-1598	62	50	and	and	CCONJ
ajbmeb-1598	62	51	this	this	DET
ajbmeb-1598	62	52	ratio	ratio	NOUN
ajbmeb-1598	62	53	affects	affect	VERB
ajbmeb-1598	62	54	the	the	DET
ajbmeb-1598	62	55	degree	degree	NOUN
ajbmeb-1598	62	56	of	of	ADP
ajbmeb-1598	62	57	reassurance	reassurance	NOUN
ajbmeb-1598	62	58	of	of	ADP
ajbmeb-1598	62	59	investors	investor	NOUN
ajbmeb-1598	62	60	to	to	PART
ajbmeb-1598	62	61	invest	invest	VERB
ajbmeb-1598	62	62	in	in	ADP
ajbmeb-1598	62	63	these	these	DET
ajbmeb-1598	62	64	banks	bank	NOUN
ajbmeb-1598	62	65	.	.	PUNCT
ajbmeb-1598	63	1	figure	figure	NOUN
ajbmeb-1598	63	2	(	(	PUNCT
ajbmeb-1598	63	3	1	1	X
ajbmeb-1598	63	4	)	)	PUNCT
ajbmeb-1598	63	5	shows	show	VERB
ajbmeb-1598	63	6	us	we	PRON
ajbmeb-1598	63	7	the	the	DET
ajbmeb-1598	63	8	average	average	ADJ
ajbmeb-1598	63	9	banking	banking	NOUN
ajbmeb-1598	63	10	institutional	institutional	ADJ
ajbmeb-1598	63	11	value	value	NOUN
ajbmeb-1598	63	12	ratio	ratio	NOUN
ajbmeb-1598	63	13	for	for	ADP
ajbmeb-1598	63	14	the	the	DET
ajbmeb-1598	63	15	study	study	NOUN
ajbmeb-1598	63	16	sample	sample	NOUN
ajbmeb-1598	63	17	for	for	ADP
ajbmeb-1598	63	18	the	the	DET
ajbmeb-1598	63	19	period	period	NOUN
ajbmeb-1598	63	20	(	(	PUNCT
ajbmeb-1598	63	21	2017	2017	NUM
ajbmeb-1598	63	22	-	-	SYM
ajbmeb-1598	63	23	2020	2020	NUM
ajbmeb-1598	63	24	)	)	PUNCT
ajbmeb-1598	63	25	.	.	PUNCT
ajbmeb-1598	64	1	source	source	NOUN
ajbmeb-1598	64	2	:	:	PUNCT
ajbmeb-1598	64	3	prepared	prepare	VERB
ajbmeb-1598	64	4	by	by	ADP
ajbmeb-1598	64	5	the	the	DET
ajbmeb-1598	64	6	researcher	researcher	NOUN
ajbmeb-1598	64	7	based	base	VERB
ajbmeb-1598	64	8	on	on	ADP
ajbmeb-1598	64	9	the	the	DET
ajbmeb-1598	64	10	financial	financial	ADJ
ajbmeb-1598	64	11	statements	statement	NOUN
ajbmeb-1598	64	12	of	of	ADP
ajbmeb-1598	64	13	commercial	commercial	ADJ
ajbmeb-1598	64	14	banks	bank	NOUN
ajbmeb-1598	64	15	,	,	PUNCT
ajbmeb-1598	64	16	the	the	DET
ajbmeb-1598	64	17	study	study	NOUN
ajbmeb-1598	64	18	sample	sample	NOUN
ajbmeb-1598	64	19	for	for	ADP
ajbmeb-1598	64	20	the	the	DET
ajbmeb-1598	64	21	period	period	NOUN
ajbmeb-1598	64	22	(	(	PUNCT
ajbmeb-1598	64	23	2017	2017	NUM
ajbmeb-1598	64	24	-	-	SYM
ajbmeb-1598	64	25	2020	2020	NUM
ajbmeb-1598	64	26	)	)	PUNCT
ajbmeb-1598	64	27	bcurrent	bcurrent	NOUN
ajbmeb-1598	64	28	accounts	account	NOUN
ajbmeb-1598	64	29	:	:	PUNCT
ajbmeb-1598	64	30	current	current	ADJ
ajbmeb-1598	64	31	accounts	account	NOUN
ajbmeb-1598	64	32	are	be	AUX
ajbmeb-1598	64	33	of	of	ADP
ajbmeb-1598	64	34	great	great	ADJ
ajbmeb-1598	64	35	importance	importance	NOUN
ajbmeb-1598	64	36	to	to	ADP
ajbmeb-1598	64	37	banks	bank	NOUN
ajbmeb-1598	64	38	,	,	PUNCT
ajbmeb-1598	64	39	as	as	ADP
ajbmeb-1598	64	40	increasing	increase	VERB
ajbmeb-1598	64	41	the	the	DET
ajbmeb-1598	64	42	rate	rate	NOUN
ajbmeb-1598	64	43	of	of	ADP
ajbmeb-1598	64	44	development	development	NOUN
ajbmeb-1598	64	45	in	in	ADP
ajbmeb-1598	64	46	current	current	ADJ
ajbmeb-1598	64	47	accounts	account	NOUN
ajbmeb-1598	64	48	increases	increase	VERB
ajbmeb-1598	64	49	the	the	DET
ajbmeb-1598	64	50	bank	bank	NOUN
ajbmeb-1598	64	51	’s	’s	PART
ajbmeb-1598	64	52	ability	ability	NOUN
ajbmeb-1598	64	53	to	to	PART
ajbmeb-1598	64	54	expand	expand	VERB
ajbmeb-1598	64	55	credit	credit	NOUN
ajbmeb-1598	64	56	,	,	PUNCT
ajbmeb-1598	64	57	allowing	allow	VERB
ajbmeb-1598	64	58	it	it	PRON
ajbmeb-1598	64	59	to	to	PART
ajbmeb-1598	64	60	invest	invest	VERB
ajbmeb-1598	64	61	in	in	ADP
ajbmeb-1598	64	62	them	they	PRON
ajbmeb-1598	64	63	,	,	PUNCT
ajbmeb-1598	64	64	as	as	ADP
ajbmeb-1598	64	65	this	this	DET
ajbmeb-1598	64	66	bank	bank	NOUN
ajbmeb-1598	64	67	’s	’s	PART
ajbmeb-1598	64	68	cash	cash	NOUN
ajbmeb-1598	64	69	balance	balance	NOUN
ajbmeb-1598	64	70	increases	increase	NOUN
ajbmeb-1598	64	71	,	,	PUNCT
ajbmeb-1598	64	72	and	and	CCONJ
ajbmeb-1598	64	73	thus	thus	ADV
ajbmeb-1598	64	74	benefits	benefit	NOUN
ajbmeb-1598	64	75	from	from	ADP
ajbmeb-1598	64	76	investing	invest	VERB
ajbmeb-1598	64	77	these	these	DET
ajbmeb-1598	64	78	amounts	amount	NOUN
ajbmeb-1598	64	79	and	and	CCONJ
ajbmeb-1598	64	80	achieving	achieve	VERB
ajbmeb-1598	64	81	additional	additional	ADJ
ajbmeb-1598	64	82	profits	profit	NOUN
ajbmeb-1598	64	83	as	as	ADV
ajbmeb-1598	64	84	well	well	ADV
ajbmeb-1598	64	85	as	as	ADP
ajbmeb-1598	64	86	the	the	DET
ajbmeb-1598	64	87	wages	wage	NOUN
ajbmeb-1598	64	88	that	that	PRON
ajbmeb-1598	64	89	some	some	DET
ajbmeb-1598	64	90	banks	bank	NOUN
ajbmeb-1598	64	91	charge	charge	VERB
ajbmeb-1598	64	92	for	for	ADP
ajbmeb-1598	64	93	the	the	DET
ajbmeb-1598	64	94	services	service	NOUN
ajbmeb-1598	64	95	they	they	PRON
ajbmeb-1598	64	96	provide	provide	VERB
ajbmeb-1598	64	97	to	to	ADP
ajbmeb-1598	64	98	customers	customer	NOUN
ajbmeb-1598	64	99	,	,	PUNCT
ajbmeb-1598	64	100	such	such	ADJ
ajbmeb-1598	64	101	as	as	ADP
ajbmeb-1598	64	102	opening	open	VERB
ajbmeb-1598	64	103	an	an	DET
ajbmeb-1598	64	104	account	account	NOUN
ajbmeb-1598	64	105	,	,	PUNCT
ajbmeb-1598	64	106	issuing	issue	VERB
ajbmeb-1598	64	107	checks	check	NOUN
ajbmeb-1598	64	108	,	,	PUNCT
ajbmeb-1598	64	109	and	and	CCONJ
ajbmeb-1598	64	110	issuing	issue	VERB
ajbmeb-1598	64	111	a	a	DET
ajbmeb-1598	64	112	debit	debit	NOUN
ajbmeb-1598	64	113	card	card	NOUN
ajbmeb-1598	64	114	.	.	PUNCT
ajbmeb-1598	65	1	the	the	DET
ajbmeb-1598	65	2	development	development	NOUN
ajbmeb-1598	65	3	in	in	ADP
ajbmeb-1598	65	4	the	the	DET
ajbmeb-1598	65	5	accounts	account	NOUN
ajbmeb-1598	65	6	is	be	AUX
ajbmeb-1598	65	7	measured	measure	VERB
ajbmeb-1598	65	8	by	by	ADP
ajbmeb-1598	65	9	dividing	divide	VERB
ajbmeb-1598	65	10	the	the	DET
ajbmeb-1598	65	11	current	current	ADJ
ajbmeb-1598	65	12	accounts	account	NOUN
ajbmeb-1598	65	13	for	for	ADP
ajbmeb-1598	65	14	the	the	DET
ajbmeb-1598	65	15	current	current	ADJ
ajbmeb-1598	65	16	year	year	NOUN
ajbmeb-1598	65	17	minus	minus	ADP
ajbmeb-1598	65	18	the	the	DET
ajbmeb-1598	65	19	current	current	ADJ
ajbmeb-1598	65	20	accounts	account	NOUN
ajbmeb-1598	65	21	for	for	ADP
ajbmeb-1598	65	22	the	the	DET
ajbmeb-1598	65	23	previous	previous	ADJ
ajbmeb-1598	65	24	year	year	NOUN
ajbmeb-1598	65	25	divided	divide	VERB
ajbmeb-1598	65	26	by	by	ADP
ajbmeb-1598	65	27	the	the	DET
ajbmeb-1598	65	28	current	current	ADJ
ajbmeb-1598	65	29	accounts	account	NOUN
ajbmeb-1598	65	30	for	for	ADP
ajbmeb-1598	65	31	the	the	DET
ajbmeb-1598	65	32	previous	previous	ADJ
ajbmeb-1598	65	33	year	year	NOUN
ajbmeb-1598	65	34	.	.	PUNCT
ajbmeb-1598	66	1	table	table	NOUN
ajbmeb-1598	66	2	(	(	PUNCT
ajbmeb-1598	66	3	3	3	NUM
ajbmeb-1598	66	4	):	):	PUNCT
ajbmeb-1598	66	5	results	result	NOUN
ajbmeb-1598	66	6	of	of	ADP
ajbmeb-1598	66	7	calculating	calculate	VERB
ajbmeb-1598	66	8	the	the	DET
ajbmeb-1598	66	9	current	current	ADJ
ajbmeb-1598	66	10	accounts	account	NOUN
ajbmeb-1598	66	11	ratio	ratio	NOUN
ajbmeb-1598	66	12	of	of	ADP
ajbmeb-1598	66	13	commercial	commercial	ADJ
ajbmeb-1598	66	14	banks	bank	NOUN
ajbmeb-1598	66	15	in	in	ADP
ajbmeb-1598	66	16	the	the	DET
ajbmeb-1598	66	17	study	study	NOUN
ajbmeb-1598	66	18	sample	sample	NOUN
ajbmeb-1598	66	19	for	for	ADP
ajbmeb-1598	66	20	the	the	DET
ajbmeb-1598	66	21	period	period	NOUN
ajbmeb-1598	66	22	(	(	PUNCT
ajbmeb-1598	66	23	2017	2017	NUM
ajbmeb-1598	66	24	-	-	SYM
ajbmeb-1598	66	25	2020	2020	NUM
ajbmeb-1598	66	26	)	)	PUNCT
ajbmeb-1598	66	27	.	.	PUNCT
ajbmeb-1598	67	1	bank	bank	PROPN
ajbmeb-1598	67	2	of	of	ADP
ajbmeb-1598	67	3	baghdad	baghdad	PROPN
ajbmeb-1598	67	4	indicator	indicator	PROPN
ajbmeb-1598	67	5	equation	equation	NOUN
ajbmeb-1598	67	6	2017	2017	NUM
ajbmeb-1598	67	7	2018	2018	NUM
ajbmeb-1598	67	8	2019	2019	NUM
ajbmeb-1598	67	9	2020	2020	NUM
ajbmeb-1598	67	10	average	average	ADJ
ajbmeb-1598	67	11	المؤشر	المؤشر	ADJ
ajbmeb-1598	67	12	current	current	ADJ
ajbmeb-1598	67	13	accounts	account	NOUN
ajbmeb-1598	67	14	=	=	SYM
ajbmeb-1598	67	15	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	67	16	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	INTJ
ajbmeb-1598	67	17	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	67	18	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	67	19	−	−	ADP
ajbmeb-1598	68	1	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	PROPN
ajbmeb-1598	68	2	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	68	3	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	68	4	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	68	5	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	68	6	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	68	7	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	68	8	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	68	9	×100	×100	NOUN
ajbmeb-1598	68	10	%	%	NOUN
ajbmeb-1598	68	11	(	(	PUNCT
ajbmeb-1598	68	12	5)%	5)%	NUM
ajbmeb-1598	68	13	%	%	NOUN
ajbmeb-1598	68	14	6.3	6.3	NUM
ajbmeb-1598	68	15	%	%	NOUN
ajbmeb-1598	68	16	5	5	NUM
ajbmeb-1598	68	17	44	44	NUM
ajbmeb-1598	68	18	%	%	NOUN
ajbmeb-1598	68	19	%	%	NOUN
ajbmeb-1598	68	20	13	13	NUM
ajbmeb-1598	68	21	0.00	0.00	NUM
ajbmeb-1598	68	22	%	%	NOUN
ajbmeb-1598	68	23	0.10	0.10	NUM
ajbmeb-1598	68	24	%	%	NOUN
ajbmeb-1598	68	25	0.20	0.20	NUM
ajbmeb-1598	68	26	%	%	NOUN
ajbmeb-1598	68	27	0.30	0.30	NUM
ajbmeb-1598	68	28	%	%	NOUN
ajbmeb-1598	68	29	0.40	0.40	NUM
ajbmeb-1598	68	30	%	%	NOUN
ajbmeb-1598	68	31	0.50	0.50	NUM
ajbmeb-1598	68	32	%	%	NOUN
ajbmeb-1598	68	33	0.60	0.60	NUM
ajbmeb-1598	68	34	%	%	NOUN
ajbmeb-1598	68	35	0.70	0.70	NUM
ajbmeb-1598	68	36	%	%	NOUN
ajbmeb-1598	68	37	bank	bank	NOUN
ajbmeb-1598	68	38	of	of	ADP
ajbmeb-1598	68	39	baghdad	baghdad	PROPN
ajbmeb-1598	68	40	ashur	ashur	PROPN
ajbmeb-1598	68	41	bank	bank	PROPN
ajbmeb-1598	68	42	trans	trans	PROPN
ajbmeb-1598	68	43	-	-	PROPN
ajbmeb-1598	68	44	iraq	iraq	PROPN
ajbmeb-1598	68	45	bank	bank	PROPN
ajbmeb-1598	68	46	american	american	PROPN
ajbmeb-1598	68	47	journal	journal	PROPN
ajbmeb-1598	68	48	of	of	ADP
ajbmeb-1598	68	49	business	business	NOUN
ajbmeb-1598	68	50	management	management	NOUN
ajbmeb-1598	68	51	,	,	PUNCT
ajbmeb-1598	68	52	economics	economic	NOUN
ajbmeb-1598	68	53	and	and	CCONJ
ajbmeb-1598	68	54	banking	banking	NOUN
ajbmeb-1598	68	55	volume	volume	NOUN
ajbmeb-1598	68	56	19	19	NUM
ajbmeb-1598	68	57	december	december	PROPN
ajbmeb-1598	68	58	,	,	PUNCT
ajbmeb-1598	68	59	2023	2023	NUM
ajbmeb-1598	68	60	p	p	NOUN
ajbmeb-1598	68	61	a	a	DET
ajbmeb-1598	68	62	g	g	NOUN
ajbmeb-1598	68	63	e	e	NOUN
ajbmeb-1598	68	64	|	|	ADV
ajbmeb-1598	68	65	23	23	NUM
ajbmeb-1598	68	66	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1598	68	67	ashur	ashur	PROPN
ajbmeb-1598	68	68	international	international	PROPN
ajbmeb-1598	68	69	bank	bank	PROPN
ajbmeb-1598	68	70	current	current	ADJ
ajbmeb-1598	68	71	accounts	account	NOUN
ajbmeb-1598	68	72	=	=	SYM
ajbmeb-1598	68	73	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	68	74	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	INTJ
ajbmeb-1598	68	75	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	68	76	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	68	77	−	−	ADP
ajbmeb-1598	69	1	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	PROPN
ajbmeb-1598	69	2	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	69	3	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	69	4	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	69	5	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	69	6	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	69	7	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	69	8	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	69	9	×100	×100	NOUN
ajbmeb-1598	69	10	%	%	NOUN
ajbmeb-1598	69	11	(	(	PUNCT
ajbmeb-1598	69	12	29)%	29)%	NUM
ajbmeb-1598	69	13	119	119	NUM
ajbmeb-1598	69	14	%	%	NOUN
ajbmeb-1598	69	15	(	(	PUNCT
ajbmeb-1598	69	16	25)%	25)%	NUM
ajbmeb-1598	69	17	(	(	PUNCT
ajbmeb-1598	69	18	24)%	24)%	NUM
ajbmeb-1598	69	19	10	10	NUM
ajbmeb-1598	69	20	%	%	NOUN
ajbmeb-1598	69	21	trans	trans	ADJ
ajbmeb-1598	69	22	-	-	PROPN
ajbmeb-1598	69	23	iraq	iraq	PROPN
ajbmeb-1598	69	24	bank	bank	PROPN
ajbmeb-1598	69	25	current	current	ADJ
ajbmeb-1598	69	26	accounts	account	NOUN
ajbmeb-1598	69	27	=	=	SYM
ajbmeb-1598	69	28	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	69	29	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	INTJ
ajbmeb-1598	69	30	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	69	31	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	69	32	−	−	ADP
ajbmeb-1598	70	1	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	𝑪𝒖𝒓𝒓𝒆𝒏𝒕	PROPN
ajbmeb-1598	70	2	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	70	3	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	70	4	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	70	5	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	𝑷𝒓𝒆𝒗𝒊𝒐𝒖𝒔	PROPN
ajbmeb-1598	70	6	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	𝒄𝒖𝒓𝒓𝒆𝒏𝒕	NOUN
ajbmeb-1598	70	7	𝒚𝒆𝒂𝒓	𝒚𝒆𝒂𝒓	VERB
ajbmeb-1598	70	8	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔	ADJ
ajbmeb-1598	70	9	×100	×100	NOUN
ajbmeb-1598	70	10	%	%	NOUN
ajbmeb-1598	70	11	(	(	PUNCT
ajbmeb-1598	70	12	96)%	96)%	NOUN
ajbmeb-1598	70	13	15	15	NUM
ajbmeb-1598	70	14	%	%	NOUN
ajbmeb-1598	70	15	(	(	PUNCT
ajbmeb-1598	70	16	23	23	NUM
ajbmeb-1598	70	17	%	%	NOUN
ajbmeb-1598	70	18	)	)	PUNCT
ajbmeb-1598	70	19	29	29	NUM
ajbmeb-1598	70	20	%	%	NOUN
ajbmeb-1598	70	21	(	(	PUNCT
ajbmeb-1598	70	22	19)%	19)%	NUM
ajbmeb-1598	70	23	source	source	NOUN
ajbmeb-1598	70	24	:	:	PUNCT
ajbmeb-1598	70	25	prepared	prepare	VERB
ajbmeb-1598	70	26	by	by	ADP
ajbmeb-1598	70	27	the	the	DET
ajbmeb-1598	70	28	researcher	researcher	NOUN
ajbmeb-1598	70	29	based	base	VERB
ajbmeb-1598	70	30	on	on	ADP
ajbmeb-1598	70	31	the	the	DET
ajbmeb-1598	70	32	annual	annual	ADJ
ajbmeb-1598	70	33	reports	report	NOUN
ajbmeb-1598	70	34	of	of	ADP
ajbmeb-1598	70	35	commercial	commercial	ADJ
ajbmeb-1598	70	36	banks	bank	NOUN
ajbmeb-1598	70	37	,	,	PUNCT
ajbmeb-1598	70	38	the	the	DET
ajbmeb-1598	70	39	study	study	NOUN
ajbmeb-1598	70	40	sample	sample	NOUN
ajbmeb-1598	70	41	for	for	ADP
ajbmeb-1598	70	42	the	the	DET
ajbmeb-1598	70	43	period	period	NOUN
ajbmeb-1598	70	44	(	(	PUNCT
ajbmeb-1598	70	45	2017	2017	NUM
ajbmeb-1598	70	46	-	-	SYM
ajbmeb-1598	70	47	2020	2020	NUM
ajbmeb-1598	70	48	)	)	PUNCT
ajbmeb-1598	70	49	bank	bank	NOUN
ajbmeb-1598	70	50	of	of	ADP
ajbmeb-1598	70	51	baghdad	baghdad	PROPN
ajbmeb-1598	70	52	:	:	PUNCT
ajbmeb-1598	70	53	the	the	DET
ajbmeb-1598	70	54	bank	bank	NOUN
ajbmeb-1598	70	55	of	of	ADP
ajbmeb-1598	70	56	baghdad	baghdad	PROPN
ajbmeb-1598	70	57	’s	’s	PART
ajbmeb-1598	70	58	current	current	ADJ
ajbmeb-1598	70	59	accounts	account	NOUN
ajbmeb-1598	70	60	ratio	ratio	NOUN
ajbmeb-1598	70	61	recorded	record	VERB
ajbmeb-1598	70	62	its	its	PRON
ajbmeb-1598	70	63	highest	high	ADJ
ajbmeb-1598	70	64	increase	increase	NOUN
ajbmeb-1598	70	65	in	in	ADP
ajbmeb-1598	70	66	the	the	DET
ajbmeb-1598	70	67	year	year	NOUN
ajbmeb-1598	70	68	(	(	PUNCT
ajbmeb-1598	70	69	2020	2020	NUM
ajbmeb-1598	70	70	)	)	PUNCT
ajbmeb-1598	70	71	,	,	PUNCT
ajbmeb-1598	70	72	reaching	reach	VERB
ajbmeb-1598	70	73	44	44	NUM
ajbmeb-1598	70	74	%	%	NOUN
ajbmeb-1598	70	75	compared	compare	VERB
ajbmeb-1598	70	76	to	to	ADP
ajbmeb-1598	70	77	other	other	ADJ
ajbmeb-1598	70	78	years	year	NOUN
ajbmeb-1598	70	79	.	.	PUNCT
ajbmeb-1598	71	1	the	the	DET
ajbmeb-1598	71	2	current	current	ADJ
ajbmeb-1598	71	3	accounts	account	NOUN
ajbmeb-1598	71	4	ratio	ratio	NOUN
ajbmeb-1598	71	5	decreased	decrease	VERB
ajbmeb-1598	71	6	in	in	ADP
ajbmeb-1598	71	7	2017	2017	NUM
ajbmeb-1598	71	8	,	,	PUNCT
ajbmeb-1598	71	9	2018	2018	NUM
ajbmeb-1598	71	10	,	,	PUNCT
ajbmeb-1598	71	11	and	and	CCONJ
ajbmeb-1598	71	12	2019	2019	NUM
ajbmeb-1598	71	13	,	,	PUNCT
ajbmeb-1598	71	14	as	as	SCONJ
ajbmeb-1598	71	15	it	it	PRON
ajbmeb-1598	71	16	reached	reach	VERB
ajbmeb-1598	71	17	(	(	PUNCT
ajbmeb-1598	71	18	(	(	PUNCT
ajbmeb-1598	71	19	5	5	NUM
ajbmeb-1598	71	20	)	)	PUNCT
ajbmeb-1598	71	21	,	,	PUNCT
ajbmeb-1598	71	22	6.3	6.3	NUM
ajbmeb-1598	71	23	%	%	NOUN
ajbmeb-1598	71	24	,	,	PUNCT
ajbmeb-1598	71	25	5	5	NUM
ajbmeb-1598	71	26	%	%	NOUN
ajbmeb-1598	71	27	)	)	PUNCT
ajbmeb-1598	71	28	over	over	ADP
ajbmeb-1598	71	29	straight	straight	ADJ
ajbmeb-1598	71	30	.	.	PUNCT
ajbmeb-1598	72	1	assyria	assyria	PROPN
ajbmeb-1598	72	2	international	international	PROPN
ajbmeb-1598	72	3	bank	bank	PROPN
ajbmeb-1598	72	4	:	:	PUNCT
ajbmeb-1598	72	5	assyria	assyria	PROPN
ajbmeb-1598	72	6	international	international	PROPN
ajbmeb-1598	72	7	bank	bank	PROPN
ajbmeb-1598	72	8	’s	’s	PART
ajbmeb-1598	72	9	current	current	ADJ
ajbmeb-1598	72	10	account	account	NOUN
ajbmeb-1598	72	11	ratio	ratio	NOUN
ajbmeb-1598	72	12	recorded	record	VERB
ajbmeb-1598	72	13	its	its	PRON
ajbmeb-1598	72	14	highest	high	ADJ
ajbmeb-1598	72	15	increase	increase	NOUN
ajbmeb-1598	72	16	in	in	ADP
ajbmeb-1598	72	17	the	the	DET
ajbmeb-1598	72	18	year	year	NOUN
ajbmeb-1598	72	19	(	(	PUNCT
ajbmeb-1598	72	20	2018	2018	NUM
ajbmeb-1598	72	21	)	)	PUNCT
ajbmeb-1598	72	22	,	,	PUNCT
ajbmeb-1598	72	23	reaching	reach	VERB
ajbmeb-1598	72	24	1.19	1.19	NUM
ajbmeb-1598	72	25	%	%	NOUN
ajbmeb-1598	72	26	compared	compare	VERB
ajbmeb-1598	72	27	to	to	ADP
ajbmeb-1598	72	28	other	other	ADJ
ajbmeb-1598	72	29	years	year	NOUN
ajbmeb-1598	72	30	.	.	PUNCT
ajbmeb-1598	73	1	the	the	DET
ajbmeb-1598	73	2	current	current	ADJ
ajbmeb-1598	73	3	accounts	account	NOUN
ajbmeb-1598	73	4	percentage	percentage	NOUN
ajbmeb-1598	73	5	decreased	decrease	VERB
ajbmeb-1598	73	6	in	in	ADP
ajbmeb-1598	73	7	2017	2017	NUM
ajbmeb-1598	73	8	,	,	PUNCT
ajbmeb-1598	73	9	2019	2019	NUM
ajbmeb-1598	73	10	,	,	PUNCT
ajbmeb-1598	73	11	and	and	CCONJ
ajbmeb-1598	73	12	2020	2020	NUM
ajbmeb-1598	73	13	,	,	PUNCT
ajbmeb-1598	73	14	as	as	SCONJ
ajbmeb-1598	73	15	it	it	PRON
ajbmeb-1598	73	16	reached	reach	VERB
ajbmeb-1598	73	17	(	(	PUNCT
ajbmeb-1598	73	18	(	(	PUNCT
ajbmeb-1598	73	19	29)%	29)%	INTJ
ajbmeb-1598	73	20	,	,	PUNCT
ajbmeb-1598	73	21	(	(	PUNCT
ajbmeb-1598	73	22	25	25	NUM
ajbmeb-1598	73	23	)	)	PUNCT
ajbmeb-1598	73	24	%	%	NOUN
ajbmeb-1598	73	25	,	,	PUNCT
ajbmeb-1598	73	26	(	(	PUNCT
ajbmeb-1598	73	27	24)%	24)%	NUM
ajbmeb-1598	73	28	)	)	PUNCT
ajbmeb-1598	73	29	respectively	respectively	ADV
ajbmeb-1598	73	30	.	.	PUNCT
ajbmeb-1598	74	1	trans	trans	PROPN
ajbmeb-1598	74	2	-	-	PROPN
ajbmeb-1598	74	3	iraq	iraq	PROPN
ajbmeb-1598	74	4	bank	bank	NOUN
ajbmeb-1598	74	5	:	:	PUNCT
ajbmeb-1598	74	6	the	the	DET
ajbmeb-1598	74	7	proportion	proportion	NOUN
ajbmeb-1598	74	8	of	of	ADP
ajbmeb-1598	74	9	current	current	ADJ
ajbmeb-1598	74	10	accounts	account	NOUN
ajbmeb-1598	74	11	of	of	ADP
ajbmeb-1598	74	12	trans	trans	PROPN
ajbmeb-1598	74	13	-	-	PROPN
ajbmeb-1598	74	14	iraq	iraq	PROPN
ajbmeb-1598	74	15	bank	bank	PROPN
ajbmeb-1598	74	16	recorded	record	VERB
ajbmeb-1598	74	17	its	its	PRON
ajbmeb-1598	74	18	highest	high	ADJ
ajbmeb-1598	74	19	increase	increase	NOUN
ajbmeb-1598	74	20	in	in	ADP
ajbmeb-1598	74	21	the	the	DET
ajbmeb-1598	74	22	year	year	NOUN
ajbmeb-1598	74	23	(	(	PUNCT
ajbmeb-1598	74	24	2020	2020	NUM
ajbmeb-1598	74	25	)	)	PUNCT
ajbmeb-1598	74	26	,	,	PUNCT
ajbmeb-1598	74	27	reaching	reach	VERB
ajbmeb-1598	74	28	29	29	NUM
ajbmeb-1598	74	29	%	%	NOUN
ajbmeb-1598	74	30	compared	compare	VERB
ajbmeb-1598	74	31	to	to	ADP
ajbmeb-1598	74	32	other	other	ADJ
ajbmeb-1598	74	33	years	year	NOUN
ajbmeb-1598	74	34	.	.	PUNCT
ajbmeb-1598	75	1	the	the	DET
ajbmeb-1598	75	2	proportion	proportion	NOUN
ajbmeb-1598	75	3	of	of	ADP
ajbmeb-1598	75	4	current	current	ADJ
ajbmeb-1598	75	5	accounts	account	NOUN
ajbmeb-1598	75	6	decreased	decrease	VERB
ajbmeb-1598	75	7	in	in	ADP
ajbmeb-1598	75	8	2017	2017	NUM
ajbmeb-1598	75	9	,	,	PUNCT
ajbmeb-1598	75	10	2018	2018	NUM
ajbmeb-1598	75	11	,	,	PUNCT
ajbmeb-1598	75	12	2019	2019	NUM
ajbmeb-1598	75	13	,	,	PUNCT
ajbmeb-1598	75	14	as	as	SCONJ
ajbmeb-1598	75	15	it	it	PRON
ajbmeb-1598	75	16	reached	reach	VERB
ajbmeb-1598	75	17	(	(	PUNCT
ajbmeb-1598	75	18	(	(	PUNCT
ajbmeb-1598	75	19	96)%	96)%	NOUN
ajbmeb-1598	75	20	,	,	PUNCT
ajbmeb-1598	75	21	0.15	0.15	NUM
ajbmeb-1598	75	22	%	%	NOUN
ajbmeb-1598	75	23	,	,	PUNCT
ajbmeb-1598	75	24	(	(	PUNCT
ajbmeb-1598	75	25	23)%	23)%	NOUN
ajbmeb-1598	75	26	)	)	PUNCT
ajbmeb-1598	75	27	,	,	PUNCT
ajbmeb-1598	75	28	respectively	respectively	ADV
ajbmeb-1598	75	29	,	,	PUNCT
ajbmeb-1598	75	30	and	and	CCONJ
ajbmeb-1598	75	31	through	through	ADP
ajbmeb-1598	75	32	table	table	NOUN
ajbmeb-1598	75	33	(	(	PUNCT
ajbmeb-1598	75	34	23	23	NUM
ajbmeb-1598	75	35	)	)	PUNCT
ajbmeb-1598	75	36	it	it	PRON
ajbmeb-1598	75	37	becomes	become	VERB
ajbmeb-1598	75	38	clear	clear	ADJ
ajbmeb-1598	75	39	to	to	ADP
ajbmeb-1598	75	40	us	we	PRON
ajbmeb-1598	75	41	that	that	SCONJ
ajbmeb-1598	75	42	the	the	DET
ajbmeb-1598	75	43	highest	high	ADJ
ajbmeb-1598	75	44	average	average	NOUN
ajbmeb-1598	75	45	was	be	AUX
ajbmeb-1598	75	46	for	for	ADP
ajbmeb-1598	75	47	the	the	DET
ajbmeb-1598	75	48	bank	bank	NOUN
ajbmeb-1598	75	49	of	of	ADP
ajbmeb-1598	75	50	baghdad	baghdad	PROPN
ajbmeb-1598	75	51	,	,	PUNCT
ajbmeb-1598	75	52	as	as	SCONJ
ajbmeb-1598	75	53	the	the	DET
ajbmeb-1598	75	54	percentage	percentage	NOUN
ajbmeb-1598	75	55	for	for	ADP
ajbmeb-1598	75	56	the	the	DET
ajbmeb-1598	75	57	years	year	NOUN
ajbmeb-1598	75	58	of	of	ADP
ajbmeb-1598	75	59	study	study	NOUN
ajbmeb-1598	75	60	reached	reach	VERB
ajbmeb-1598	75	61	13	13	NUM
ajbmeb-1598	75	62	%	%	NOUN
ajbmeb-1598	75	63	,	,	PUNCT
ajbmeb-1598	75	64	compared	compare	VERB
ajbmeb-1598	75	65	to	to	ADP
ajbmeb-1598	75	66	(	(	PUNCT
ajbmeb-1598	75	67	10	10	NUM
ajbmeb-1598	75	68	%	%	NOUN
ajbmeb-1598	75	69	,	,	PUNCT
ajbmeb-1598	75	70	(	(	PUNCT
ajbmeb-1598	75	71	19)%	19)%	X
ajbmeb-1598	75	72	)	)	PUNCT
ajbmeb-1598	75	73	for	for	ADP
ajbmeb-1598	75	74	the	the	DET
ajbmeb-1598	75	75	banks	bank	NOUN
ajbmeb-1598	75	76	assyria	assyria	PROPN
ajbmeb-1598	75	77	international	international	ADJ
ajbmeb-1598	75	78	and	and	CCONJ
ajbmeb-1598	75	79	trans	trans	ADJ
ajbmeb-1598	75	80	-	-	PROPN
ajbmeb-1598	75	81	iraq	iraq	PROPN
ajbmeb-1598	75	82	bank	bank	NOUN
ajbmeb-1598	75	83	,	,	PUNCT
ajbmeb-1598	75	84	as	as	SCONJ
ajbmeb-1598	75	85	is	be	AUX
ajbmeb-1598	75	86	clear	clear	ADJ
ajbmeb-1598	75	87	from	from	ADP
ajbmeb-1598	75	88	this	this	DET
ajbmeb-1598	75	89	analysis	analysis	NOUN
ajbmeb-1598	75	90	the	the	DET
ajbmeb-1598	75	91	bank	bank	NOUN
ajbmeb-1598	75	92	of	of	ADP
ajbmeb-1598	75	93	baghdad	baghdad	PROPN
ajbmeb-1598	75	94	is	be	AUX
ajbmeb-1598	75	95	the	the	DET
ajbmeb-1598	75	96	best	good	ADJ
ajbmeb-1598	75	97	and	and	CCONJ
ajbmeb-1598	75	98	most	most	ADV
ajbmeb-1598	75	99	efficient	efficient	ADJ
ajbmeb-1598	75	100	in	in	ADP
ajbmeb-1598	75	101	finance	finance	NOUN
ajbmeb-1598	75	102	in	in	ADP
ajbmeb-1598	75	103	increasing	increase	VERB
ajbmeb-1598	75	104	the	the	DET
ajbmeb-1598	75	105	bank	bank	NOUN
ajbmeb-1598	75	106	’s	’s	PART
ajbmeb-1598	75	107	ability	ability	NOUN
ajbmeb-1598	75	108	to	to	PART
ajbmeb-1598	75	109	expand	expand	VERB
ajbmeb-1598	75	110	in	in	ADP
ajbmeb-1598	75	111	granting	grant	VERB
ajbmeb-1598	75	112	credit	credit	NOUN
ajbmeb-1598	75	113	and	and	CCONJ
ajbmeb-1598	75	114	increase	increase	VERB
ajbmeb-1598	75	115	investments	investment	NOUN
ajbmeb-1598	75	116	figure	figure	NOUN
ajbmeb-1598	75	117	(	(	PUNCT
ajbmeb-1598	75	118	2	2	NUM
ajbmeb-1598	75	119	)	)	PUNCT
ajbmeb-1598	75	120	comparison	comparison	NOUN
ajbmeb-1598	75	121	of	of	ADP
ajbmeb-1598	75	122	the	the	DET
ajbmeb-1598	75	123	current	current	ADJ
ajbmeb-1598	75	124	account	account	NOUN
ajbmeb-1598	75	125	ratio	ratio	NOUN
ajbmeb-1598	75	126	of	of	ADP
ajbmeb-1598	75	127	commercial	commercial	ADJ
ajbmeb-1598	75	128	banks	bank	NOUN
ajbmeb-1598	75	129	in	in	ADP
ajbmeb-1598	75	130	the	the	DET
ajbmeb-1598	75	131	study	study	NOUN
ajbmeb-1598	75	132	sample	sample	NOUN
ajbmeb-1598	75	133	for	for	ADP
ajbmeb-1598	75	134	the	the	DET
ajbmeb-1598	75	135	period	period	NOUN
ajbmeb-1598	75	136	(	(	PUNCT
ajbmeb-1598	75	137	2017	2017	NUM
ajbmeb-1598	75	138	-	-	SYM
ajbmeb-1598	75	139	2020	2020	NUM
ajbmeb-1598	75	140	)	)	PUNCT
ajbmeb-1598	75	141	.	.	PUNCT
ajbmeb-1598	76	1	source	source	NOUN
ajbmeb-1598	76	2	:	:	PUNCT
ajbmeb-1598	76	3	prepared	prepare	VERB
ajbmeb-1598	76	4	by	by	ADP
ajbmeb-1598	76	5	the	the	DET
ajbmeb-1598	76	6	researcher	researcher	NOUN
ajbmeb-1598	76	7	based	base	VERB
ajbmeb-1598	76	8	on	on	ADP
ajbmeb-1598	76	9	the	the	DET
ajbmeb-1598	76	10	annual	annual	ADJ
ajbmeb-1598	76	11	reports	report	NOUN
ajbmeb-1598	76	12	of	of	ADP
ajbmeb-1598	76	13	commercial	commercial	ADJ
ajbmeb-1598	76	14	banks	bank	NOUN
ajbmeb-1598	76	15	,	,	PUNCT
ajbmeb-1598	76	16	the	the	DET
ajbmeb-1598	76	17	study	study	NOUN
ajbmeb-1598	76	18	sample	sample	NOUN
ajbmeb-1598	76	19	for	for	ADP
ajbmeb-1598	76	20	the	the	DET
ajbmeb-1598	76	21	period	period	NOUN
ajbmeb-1598	76	22	(	(	PUNCT
ajbmeb-1598	76	23	2017	2017	NUM
ajbmeb-1598	76	24	-	-	SYM
ajbmeb-1598	76	25	2020	2020	NUM
ajbmeb-1598	76	26	)	)	PUNCT
ajbmeb-1598	76	27	.	.	PUNCT
ajbmeb-1598	77	1	-8.00	-8.00	NUM
ajbmeb-1598	77	2	%	%	NOUN
ajbmeb-1598	77	3	-6.00	-6.00	NUM
ajbmeb-1598	77	4	%	%	NOUN
ajbmeb-1598	77	5	-4.00	-4.00	NUM
ajbmeb-1598	77	6	%	%	NOUN
ajbmeb-1598	77	7	-2.00	-2.00	NUM
ajbmeb-1598	77	8	%	%	NOUN
ajbmeb-1598	77	9	0.00	0.00	NUM
ajbmeb-1598	77	10	%	%	NOUN
ajbmeb-1598	77	11	2.00	2.00	NUM
ajbmeb-1598	77	12	%	%	NOUN
ajbmeb-1598	77	13	4.00	4.00	NUM
ajbmeb-1598	77	14	%	%	NOUN
ajbmeb-1598	77	15	6.00	6.00	NUM
ajbmeb-1598	77	16	%	%	NOUN
ajbmeb-1598	77	17	8.00	8.00	NUM
ajbmeb-1598	77	18	%	%	NOUN
ajbmeb-1598	77	19	10.00	10.00	NUM
ajbmeb-1598	77	20	%	%	NOUN
ajbmeb-1598	77	21	trans	trans	ADJ
ajbmeb-1598	77	22	-	-	PROPN
ajbmeb-1598	77	23	iraq	iraq	PROPN
ajbmeb-1598	77	24	bank	bank	PROPN
ajbmeb-1598	77	25	ashur	ashur	PROPN
ajbmeb-1598	77	26	bank	bank	PROPN
ajbmeb-1598	77	27	bank	bank	PROPN
ajbmeb-1598	77	28	of	of	ADP
ajbmeb-1598	77	29	baghdad	baghdad	PROPN
ajbmeb-1598	77	30	american	american	PROPN
ajbmeb-1598	77	31	journal	journal	PROPN
ajbmeb-1598	77	32	of	of	ADP
ajbmeb-1598	77	33	business	business	NOUN
ajbmeb-1598	77	34	management	management	NOUN
ajbmeb-1598	77	35	,	,	PUNCT
ajbmeb-1598	77	36	economics	economic	NOUN
ajbmeb-1598	77	37	and	and	CCONJ
ajbmeb-1598	77	38	banking	banking	NOUN
ajbmeb-1598	77	39	volume	volume	NOUN
ajbmeb-1598	77	40	19	19	NUM
ajbmeb-1598	77	41	december	december	PROPN
ajbmeb-1598	77	42	,	,	PUNCT
ajbmeb-1598	77	43	2023	2023	NUM
ajbmeb-1598	77	44	p	p	NOUN
ajbmeb-1598	77	45	a	a	DET
ajbmeb-1598	77	46	g	g	NOUN
ajbmeb-1598	77	47	e	e	NOUN
ajbmeb-1598	77	48	|	|	NOUN
ajbmeb-1598	77	49	24	24	NUM
ajbmeb-1598	77	50	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	77	51	c	c	X
ajbmeb-1598	77	52	_	_	PRON
ajbmeb-1598	77	53	savings	saving	NOUN
ajbmeb-1598	77	54	accounts	account	NOUN
ajbmeb-1598	77	55	:	:	PUNCT
ajbmeb-1598	77	56	savings	saving	NOUN
ajbmeb-1598	77	57	accounts	account	NOUN
ajbmeb-1598	77	58	are	be	AUX
ajbmeb-1598	77	59	one	one	NUM
ajbmeb-1598	77	60	of	of	ADP
ajbmeb-1598	77	61	the	the	DET
ajbmeb-1598	77	62	most	most	ADV
ajbmeb-1598	77	63	liquid	liquid	ADJ
ajbmeb-1598	77	64	investments	investment	NOUN
ajbmeb-1598	77	65	outside	outside	ADP
ajbmeb-1598	77	66	of	of	ADP
ajbmeb-1598	77	67	demand	demand	NOUN
ajbmeb-1598	77	68	and	and	CCONJ
ajbmeb-1598	77	69	cash	cash	NOUN
ajbmeb-1598	77	70	accounts	account	NOUN
ajbmeb-1598	77	71	.	.	PUNCT
ajbmeb-1598	78	1	the	the	DET
ajbmeb-1598	78	2	growth	growth	NOUN
ajbmeb-1598	78	3	rate	rate	NOUN
ajbmeb-1598	78	4	in	in	ADP
ajbmeb-1598	78	5	savings	saving	NOUN
ajbmeb-1598	78	6	accounts	account	NOUN
ajbmeb-1598	78	7	can	can	AUX
ajbmeb-1598	78	8	be	be	AUX
ajbmeb-1598	78	9	measured	measure	VERB
ajbmeb-1598	78	10	through	through	ADP
ajbmeb-1598	78	11	the	the	DET
ajbmeb-1598	78	12	savings	savings	NOUN
ajbmeb-1598	78	13	accounts	account	NOUN
ajbmeb-1598	78	14	for	for	ADP
ajbmeb-1598	78	15	the	the	DET
ajbmeb-1598	78	16	current	current	ADJ
ajbmeb-1598	78	17	year	year	NOUN
ajbmeb-1598	78	18	minus	minus	ADP
ajbmeb-1598	78	19	the	the	DET
ajbmeb-1598	78	20	savings	saving	NOUN
ajbmeb-1598	78	21	accounts	account	NOUN
ajbmeb-1598	78	22	for	for	ADP
ajbmeb-1598	78	23	the	the	DET
ajbmeb-1598	78	24	previous	previous	ADJ
ajbmeb-1598	78	25	year	year	NOUN
ajbmeb-1598	78	26	over	over	ADP
ajbmeb-1598	78	27	the	the	DET
ajbmeb-1598	78	28	savings	saving	NOUN
ajbmeb-1598	78	29	accounts	account	NOUN
ajbmeb-1598	78	30	for	for	ADP
ajbmeb-1598	78	31	the	the	DET
ajbmeb-1598	78	32	previous	previous	ADJ
ajbmeb-1598	78	33	year	year	NOUN
ajbmeb-1598	78	34	.	.	PUNCT
ajbmeb-1598	79	1	table	table	NOUN
ajbmeb-1598	79	2	(	(	PUNCT
ajbmeb-1598	79	3	4	4	X
ajbmeb-1598	79	4	)	)	PUNCT
ajbmeb-1598	79	5	results	result	NOUN
ajbmeb-1598	79	6	of	of	ADP
ajbmeb-1598	79	7	calculating	calculate	VERB
ajbmeb-1598	79	8	the	the	DET
ajbmeb-1598	79	9	savings	savings	NOUN
ajbmeb-1598	79	10	ratio	ratio	NOUN
ajbmeb-1598	79	11	for	for	ADP
ajbmeb-1598	79	12	commercial	commercial	ADJ
ajbmeb-1598	79	13	banks	bank	NOUN
ajbmeb-1598	79	14	in	in	ADP
ajbmeb-1598	79	15	the	the	DET
ajbmeb-1598	79	16	study	study	NOUN
ajbmeb-1598	79	17	sample	sample	NOUN
ajbmeb-1598	79	18	for	for	ADP
ajbmeb-1598	79	19	the	the	DET
ajbmeb-1598	79	20	period	period	NOUN
ajbmeb-1598	79	21	(	(	PUNCT
ajbmeb-1598	79	22	2017	2017	NUM
ajbmeb-1598	79	23	-	-	SYM
ajbmeb-1598	79	24	2020	2020	NUM
ajbmeb-1598	79	25	)	)	PUNCT
ajbmeb-1598	79	26	.	.	PUNCT
ajbmeb-1598	80	1	bank	bank	PROPN
ajbmeb-1598	80	2	of	of	ADP
ajbmeb-1598	80	3	baghdad	baghdad	PROPN
ajbmeb-1598	80	4	indicator	indicator	PROPN
ajbmeb-1598	80	5	indicator	indicator	NOUN
ajbmeb-1598	80	6	equation	equation	NOUN
ajbmeb-1598	80	7	2017	2017	NUM
ajbmeb-1598	80	8	2018	2018	NUM
ajbmeb-1598	80	9	2019	2019	NUM
ajbmeb-1598	80	10	2020	2020	NUM
ajbmeb-1598	80	11	average	average	ADJ
ajbmeb-1598	80	12	savings	saving	NOUN
ajbmeb-1598	80	13	accounts	account	NOUN
ajbmeb-1598	80	14	=	=	PRON
ajbmeb-1598	80	15	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	80	16	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	80	17	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	80	18	−	−	PROPN
ajbmeb-1598	81	1	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	81	2	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	81	3	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	81	4	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	81	5	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	81	6	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	PROPN
ajbmeb-1598	81	7	×100	×100	PROPN
ajbmeb-1598	81	8	%	%	NOUN
ajbmeb-1598	81	9	49	49	NUM
ajbmeb-1598	81	10	%	%	NOUN
ajbmeb-1598	81	11	23	23	NUM
ajbmeb-1598	81	12	%	%	NOUN
ajbmeb-1598	81	13	31	31	NUM
ajbmeb-1598	81	14	%	%	NOUN
ajbmeb-1598	81	15	20	20	NUM
ajbmeb-1598	81	16	%	%	NOUN
ajbmeb-1598	81	17	31	31	NUM
ajbmeb-1598	81	18	%	%	NOUN
ajbmeb-1598	81	19	ashur	ashur	PROPN
ajbmeb-1598	81	20	international	international	PROPN
ajbmeb-1598	81	21	bank	bank	PROPN
ajbmeb-1598	81	22	savings	saving	NOUN
ajbmeb-1598	81	23	accounts	account	VERB
ajbmeb-1598	81	24	=	=	PRON
ajbmeb-1598	81	25	=	=	SYM
ajbmeb-1598	81	26	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	81	27	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	81	28	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	81	29	−	−	PROPN
ajbmeb-1598	82	1	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	82	2	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	82	3	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	82	4	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	82	5	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	82	6	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	PROPN
ajbmeb-1598	82	7	×100	×100	PROPN
ajbmeb-1598	82	8	%	%	NOUN
ajbmeb-1598	82	9	26	26	NUM
ajbmeb-1598	82	10	%	%	NOUN
ajbmeb-1598	82	11	26	26	NUM
ajbmeb-1598	82	12	%	%	NOUN
ajbmeb-1598	82	13	80	80	NUM
ajbmeb-1598	82	14	%	%	NOUN
ajbmeb-1598	82	15	32	32	NUM
ajbmeb-1598	82	16	%	%	NOUN
ajbmeb-1598	82	17	41	41	NUM
ajbmeb-1598	82	18	%	%	NOUN
ajbmeb-1598	82	19	trans	trans	ADJ
ajbmeb-1598	82	20	-	-	PROPN
ajbmeb-1598	82	21	iraq	iraq	PROPN
ajbmeb-1598	82	22	bank	bank	NOUN
ajbmeb-1598	82	23	savings	saving	NOUN
ajbmeb-1598	82	24	accounts	account	VERB
ajbmeb-1598	82	25	=	=	PRON
ajbmeb-1598	82	26	=	=	SYM
ajbmeb-1598	82	27	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	82	28	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	82	29	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	82	30	−	−	PROPN
ajbmeb-1598	83	1	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	𝐶𝑢𝑟𝑟𝑒𝑛𝑡−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	83	2	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	83	3	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠	PROPN
ajbmeb-1598	83	4	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	𝑃𝑟𝑒𝑣𝑖𝑜𝑢𝑠−𝑌𝑒𝑎𝑟	PROPN
ajbmeb-1598	83	5	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	𝑆𝑎𝑣𝑖𝑛𝑔𝑠	PROPN
ajbmeb-1598	83	6	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	𝐴𝑐𝑐𝑜𝑢𝑛𝑡𝑠ا	PROPN
ajbmeb-1598	83	7	×100	×100	NOUN
ajbmeb-1598	83	8	%	%	NOUN
ajbmeb-1598	83	9	(	(	PUNCT
ajbmeb-1598	83	10	19	19	NUM
ajbmeb-1598	83	11	)	)	PUNCT
ajbmeb-1598	83	12	%	%	NOUN
ajbmeb-1598	83	13	76	76	NUM
ajbmeb-1598	83	14	%	%	NOUN
ajbmeb-1598	83	15	(	(	PUNCT
ajbmeb-1598	83	16	22)%	22)%	NUM
ajbmeb-1598	83	17	34	34	NUM
ajbmeb-1598	83	18	%	%	NOUN
ajbmeb-1598	83	19	17	17	NUM
ajbmeb-1598	83	20	%	%	NOUN
ajbmeb-1598	83	21	source	source	NOUN
ajbmeb-1598	83	22	:	:	PUNCT
ajbmeb-1598	83	23	prepared	prepare	VERB
ajbmeb-1598	83	24	by	by	ADP
ajbmeb-1598	83	25	the	the	DET
ajbmeb-1598	83	26	researcher	researcher	NOUN
ajbmeb-1598	83	27	based	base	VERB
ajbmeb-1598	83	28	on	on	ADP
ajbmeb-1598	83	29	the	the	DET
ajbmeb-1598	83	30	annual	annual	ADJ
ajbmeb-1598	83	31	reports	report	NOUN
ajbmeb-1598	83	32	of	of	ADP
ajbmeb-1598	83	33	commercial	commercial	ADJ
ajbmeb-1598	83	34	banks	bank	NOUN
ajbmeb-1598	83	35	,	,	PUNCT
ajbmeb-1598	83	36	the	the	DET
ajbmeb-1598	83	37	study	study	NOUN
ajbmeb-1598	83	38	sample	sample	NOUN
ajbmeb-1598	83	39	for	for	ADP
ajbmeb-1598	83	40	the	the	DET
ajbmeb-1598	83	41	period	period	NOUN
ajbmeb-1598	83	42	(	(	PUNCT
ajbmeb-1598	83	43	2017	2017	NUM
ajbmeb-1598	83	44	-	-	SYM
ajbmeb-1598	83	45	2020	2020	NUM
ajbmeb-1598	83	46	)	)	PUNCT
ajbmeb-1598	83	47	.	.	PUNCT
ajbmeb-1598	84	1	bank	bank	PROPN
ajbmeb-1598	84	2	of	of	ADP
ajbmeb-1598	84	3	baghdad	baghdad	PROPN
ajbmeb-1598	84	4	:	:	PUNCT
ajbmeb-1598	84	5	the	the	DET
ajbmeb-1598	84	6	percentage	percentage	NOUN
ajbmeb-1598	84	7	of	of	ADP
ajbmeb-1598	84	8	savings	saving	NOUN
ajbmeb-1598	84	9	accounts	account	NOUN
ajbmeb-1598	84	10	for	for	ADP
ajbmeb-1598	84	11	the	the	DET
ajbmeb-1598	84	12	bank	bank	NOUN
ajbmeb-1598	84	13	of	of	ADP
ajbmeb-1598	84	14	baghdad	baghdad	PROPN
ajbmeb-1598	84	15	recorded	record	VERB
ajbmeb-1598	84	16	its	its	PRON
ajbmeb-1598	84	17	highest	high	ADJ
ajbmeb-1598	84	18	increase	increase	NOUN
ajbmeb-1598	84	19	in	in	ADP
ajbmeb-1598	84	20	the	the	DET
ajbmeb-1598	84	21	year	year	NOUN
ajbmeb-1598	84	22	(	(	PUNCT
ajbmeb-1598	84	23	2020	2020	NUM
ajbmeb-1598	84	24	)	)	PUNCT
ajbmeb-1598	84	25	,	,	PUNCT
ajbmeb-1598	84	26	reaching	reach	VERB
ajbmeb-1598	84	27	20	20	NUM
ajbmeb-1598	84	28	%	%	NOUN
ajbmeb-1598	84	29	compared	compare	VERB
ajbmeb-1598	84	30	to	to	ADP
ajbmeb-1598	84	31	other	other	ADJ
ajbmeb-1598	84	32	years	year	NOUN
ajbmeb-1598	84	33	.	.	PUNCT
ajbmeb-1598	85	1	the	the	DET
ajbmeb-1598	85	2	percentage	percentage	NOUN
ajbmeb-1598	85	3	of	of	ADP
ajbmeb-1598	85	4	savings	saving	NOUN
ajbmeb-1598	85	5	accounts	account	NOUN
ajbmeb-1598	85	6	decreased	decrease	VERB
ajbmeb-1598	85	7	in	in	ADP
ajbmeb-1598	85	8	2017	2017	NUM
ajbmeb-1598	85	9	,	,	PUNCT
ajbmeb-1598	85	10	2018	2018	NUM
ajbmeb-1598	85	11	,	,	PUNCT
ajbmeb-1598	85	12	and	and	CCONJ
ajbmeb-1598	85	13	2019	2019	NUM
ajbmeb-1598	85	14	,	,	PUNCT
ajbmeb-1598	85	15	as	as	SCONJ
ajbmeb-1598	85	16	it	it	PRON
ajbmeb-1598	85	17	reached	reach	VERB
ajbmeb-1598	85	18	(	(	PUNCT
ajbmeb-1598	85	19	49	49	NUM
ajbmeb-1598	85	20	%	%	NOUN
ajbmeb-1598	85	21	,	,	PUNCT
ajbmeb-1598	85	22	23	23	NUM
ajbmeb-1598	85	23	%	%	NOUN
ajbmeb-1598	85	24	,	,	PUNCT
ajbmeb-1598	85	25	31	31	NUM
ajbmeb-1598	85	26	%	%	NOUN
ajbmeb-1598	85	27	)	)	PUNCT
ajbmeb-1598	85	28	over	over	ADP
ajbmeb-1598	85	29	consecutive	consecutive	ADJ
ajbmeb-1598	85	30	.	.	PUNCT
ajbmeb-1598	86	1	assyria	assyria	PROPN
ajbmeb-1598	86	2	international	international	PROPN
ajbmeb-1598	86	3	bank	bank	PROPN
ajbmeb-1598	86	4	:	:	PUNCT
ajbmeb-1598	86	5	the	the	DET
ajbmeb-1598	86	6	percentage	percentage	NOUN
ajbmeb-1598	86	7	of	of	ADP
ajbmeb-1598	86	8	savings	saving	NOUN
ajbmeb-1598	86	9	accounts	account	NOUN
ajbmeb-1598	86	10	for	for	ADP
ajbmeb-1598	86	11	assyria	assyria	PROPN
ajbmeb-1598	86	12	bank	bank	PROPN
ajbmeb-1598	86	13	recorded	record	VERB
ajbmeb-1598	86	14	its	its	PRON
ajbmeb-1598	86	15	highest	high	ADJ
ajbmeb-1598	86	16	increase	increase	NOUN
ajbmeb-1598	86	17	in	in	ADP
ajbmeb-1598	86	18	the	the	DET
ajbmeb-1598	86	19	year	year	NOUN
ajbmeb-1598	86	20	(	(	PUNCT
ajbmeb-1598	86	21	2020	2020	NUM
ajbmeb-1598	86	22	)	)	PUNCT
ajbmeb-1598	86	23	,	,	PUNCT
ajbmeb-1598	86	24	reaching	reach	VERB
ajbmeb-1598	86	25	34	34	NUM
ajbmeb-1598	86	26	%	%	NOUN
ajbmeb-1598	86	27	compared	compare	VERB
ajbmeb-1598	86	28	to	to	ADP
ajbmeb-1598	86	29	other	other	ADJ
ajbmeb-1598	86	30	years	year	NOUN
ajbmeb-1598	86	31	.	.	PUNCT
ajbmeb-1598	87	1	the	the	DET
ajbmeb-1598	87	2	percentage	percentage	NOUN
ajbmeb-1598	87	3	of	of	ADP
ajbmeb-1598	87	4	savings	saving	NOUN
ajbmeb-1598	87	5	accounts	account	NOUN
ajbmeb-1598	87	6	decreased	decrease	VERB
ajbmeb-1598	87	7	in	in	ADP
ajbmeb-1598	87	8	the	the	DET
ajbmeb-1598	87	9	years	year	NOUN
ajbmeb-1598	87	10	2017	2017	NUM
ajbmeb-1598	87	11	,	,	PUNCT
ajbmeb-1598	87	12	2018	2018	NUM
ajbmeb-1598	87	13	,	,	PUNCT
ajbmeb-1598	87	14	and	and	CCONJ
ajbmeb-1598	87	15	2019	2019	NUM
ajbmeb-1598	87	16	,	,	PUNCT
ajbmeb-1598	87	17	as	as	SCONJ
ajbmeb-1598	87	18	it	it	PRON
ajbmeb-1598	87	19	reached	reach	VERB
ajbmeb-1598	87	20	(	(	PUNCT
ajbmeb-1598	87	21	(	(	PUNCT
ajbmeb-1598	87	22	19)%	19)%	NUM
ajbmeb-1598	87	23	,	,	PUNCT
ajbmeb-1598	87	24	76	76	NUM
ajbmeb-1598	87	25	%	%	NOUN
ajbmeb-1598	87	26	,	,	PUNCT
ajbmeb-1598	87	27	(	(	PUNCT
ajbmeb-1598	87	28	(	(	PUNCT
ajbmeb-1598	87	29	22	22	NUM
ajbmeb-1598	87	30	%	%	NOUN
ajbmeb-1598	87	31	)	)	PUNCT
ajbmeb-1598	87	32	,	,	PUNCT
ajbmeb-1598	87	33	34	34	NUM
ajbmeb-1598	87	34	%	%	NOUN
ajbmeb-1598	87	35	)	)	PUNCT
ajbmeb-1598	87	36	,	,	PUNCT
ajbmeb-1598	87	37	respectively	respectively	ADV
ajbmeb-1598	87	38	.	.	PUNCT
ajbmeb-1598	88	1	trans	trans	ADJ
ajbmeb-1598	88	2	-	-	PROPN
ajbmeb-1598	88	3	iraq	iraq	PROPN
ajbmeb-1598	88	4	bank	bank	NOUN
ajbmeb-1598	88	5	:	:	PUNCT
ajbmeb-1598	88	6	the	the	DET
ajbmeb-1598	88	7	proportion	proportion	NOUN
ajbmeb-1598	88	8	of	of	ADP
ajbmeb-1598	88	9	savings	saving	NOUN
ajbmeb-1598	88	10	accounts	account	NOUN
ajbmeb-1598	88	11	for	for	ADP
ajbmeb-1598	88	12	trans	trans	PROPN
ajbmeb-1598	88	13	-	-	PROPN
ajbmeb-1598	88	14	iraq	iraq	PROPN
ajbmeb-1598	88	15	bank	bank	PROPN
ajbmeb-1598	88	16	recorded	record	VERB
ajbmeb-1598	88	17	its	its	PRON
ajbmeb-1598	88	18	highest	high	ADJ
ajbmeb-1598	88	19	increase	increase	NOUN
ajbmeb-1598	88	20	in	in	ADP
ajbmeb-1598	88	21	the	the	DET
ajbmeb-1598	88	22	year	year	NOUN
ajbmeb-1598	88	23	(	(	PUNCT
ajbmeb-1598	88	24	2020	2020	NUM
ajbmeb-1598	88	25	)	)	PUNCT
ajbmeb-1598	88	26	,	,	PUNCT
ajbmeb-1598	88	27	reaching	reach	VERB
ajbmeb-1598	88	28	34	34	NUM
ajbmeb-1598	88	29	%	%	NOUN
ajbmeb-1598	88	30	compared	compare	VERB
ajbmeb-1598	88	31	to	to	ADP
ajbmeb-1598	88	32	other	other	ADJ
ajbmeb-1598	88	33	years	year	NOUN
ajbmeb-1598	88	34	.	.	PUNCT
ajbmeb-1598	89	1	the	the	DET
ajbmeb-1598	89	2	proportion	proportion	NOUN
ajbmeb-1598	89	3	of	of	ADP
ajbmeb-1598	89	4	savings	saving	NOUN
ajbmeb-1598	89	5	accounts	account	NOUN
ajbmeb-1598	89	6	decreased	decrease	VERB
ajbmeb-1598	89	7	in	in	ADP
ajbmeb-1598	89	8	the	the	DET
ajbmeb-1598	89	9	years	year	NOUN
ajbmeb-1598	89	10	2017	2017	NUM
ajbmeb-1598	89	11	,	,	PUNCT
ajbmeb-1598	89	12	2018	2018	NUM
ajbmeb-1598	89	13	,	,	PUNCT
ajbmeb-1598	89	14	and	and	CCONJ
ajbmeb-1598	89	15	2019	2019	NUM
ajbmeb-1598	89	16	,	,	PUNCT
ajbmeb-1598	89	17	as	as	SCONJ
ajbmeb-1598	89	18	it	it	PRON
ajbmeb-1598	89	19	reached	reach	VERB
ajbmeb-1598	89	20	(	(	PUNCT
ajbmeb-1598	89	21	(	(	PUNCT
ajbmeb-1598	89	22	19)%	19)%	NOUN
ajbmeb-1598	89	23	)	)	PUNCT
ajbmeb-1598	89	24	,	,	PUNCT
ajbmeb-1598	89	25	76	76	NUM
ajbmeb-1598	89	26	%	%	NOUN
ajbmeb-1598	89	27	,	,	PUNCT
ajbmeb-1598	89	28	(	(	PUNCT
ajbmeb-1598	89	29	22)%	22)%	NOUN
ajbmeb-1598	89	30	)	)	PUNCT
ajbmeb-1598	89	31	,	,	PUNCT
ajbmeb-1598	89	32	respectively	respectively	ADV
ajbmeb-1598	89	33	,	,	PUNCT
ajbmeb-1598	89	34	and	and	CCONJ
ajbmeb-1598	89	35	through	through	ADP
ajbmeb-1598	89	36	table	table	NOUN
ajbmeb-1598	89	37	(	(	PUNCT
ajbmeb-1598	89	38	24	24	NUM
ajbmeb-1598	89	39	)	)	PUNCT
ajbmeb-1598	89	40	it	it	PRON
ajbmeb-1598	89	41	is	be	AUX
ajbmeb-1598	89	42	clear	clear	ADJ
ajbmeb-1598	89	43	to	to	ADP
ajbmeb-1598	89	44	us	we	PRON
ajbmeb-1598	89	45	that	that	SCONJ
ajbmeb-1598	89	46	the	the	DET
ajbmeb-1598	89	47	highest	high	ADJ
ajbmeb-1598	89	48	average	average	NOUN
ajbmeb-1598	89	49	was	be	AUX
ajbmeb-1598	89	50	for	for	ADP
ajbmeb-1598	89	51	assyria	assyria	PROPN
ajbmeb-1598	89	52	bank	bank	NOUN
ajbmeb-1598	89	53	,	,	PUNCT
ajbmeb-1598	89	54	as	as	SCONJ
ajbmeb-1598	89	55	the	the	DET
ajbmeb-1598	89	56	average	average	ADJ
ajbmeb-1598	89	57	percentage	percentage	NOUN
ajbmeb-1598	89	58	reached	reach	VERB
ajbmeb-1598	89	59	41	41	NUM
ajbmeb-1598	89	60	%	%	NOUN
ajbmeb-1598	89	61	compared	compare	VERB
ajbmeb-1598	89	62	to	to	ADP
ajbmeb-1598	89	63	the	the	DET
ajbmeb-1598	89	64	other	other	ADJ
ajbmeb-1598	89	65	commercial	commercial	ADJ
ajbmeb-1598	89	66	banks	bank	NOUN
ajbmeb-1598	89	67	for	for	ADP
ajbmeb-1598	89	68	the	the	DET
ajbmeb-1598	89	69	study	study	NOUN
ajbmeb-1598	89	70	sample	sample	NOUN
ajbmeb-1598	89	71	,	,	PUNCT
ajbmeb-1598	89	72	as	as	SCONJ
ajbmeb-1598	89	73	the	the	DET
ajbmeb-1598	89	74	average	average	ADJ
ajbmeb-1598	89	75	percentage	percentage	NOUN
ajbmeb-1598	89	76	reached	reach	VERB
ajbmeb-1598	89	77	(	(	PUNCT
ajbmeb-1598	89	78	31	31	NUM
ajbmeb-1598	89	79	%	%	NOUN
ajbmeb-1598	89	80	,	,	PUNCT
ajbmeb-1598	89	81	17	17	NUM
ajbmeb-1598	89	82	%	%	NOUN
ajbmeb-1598	89	83	)	)	PUNCT
ajbmeb-1598	89	84	for	for	ADP
ajbmeb-1598	89	85	the	the	DET
ajbmeb-1598	89	86	baghdad	baghdad	PROPN
ajbmeb-1598	89	87	banks	bank	NOUN
ajbmeb-1598	89	88	and	and	CCONJ
ajbmeb-1598	89	89	trans	trans	PROPN
ajbmeb-1598	89	90	-	-	PROPN
ajbmeb-1598	89	91	iraq	iraq	PROPN
ajbmeb-1598	89	92	bank	bank	NOUN
ajbmeb-1598	89	93	.	.	PUNCT
ajbmeb-1598	90	1	it	it	PRON
ajbmeb-1598	90	2	is	be	AUX
ajbmeb-1598	90	3	clear	clear	ADJ
ajbmeb-1598	90	4	from	from	ADP
ajbmeb-1598	90	5	this	this	DET
ajbmeb-1598	90	6	analysis	analysis	NOUN
ajbmeb-1598	90	7	that	that	SCONJ
ajbmeb-1598	90	8	ashur	ashur	PROPN
ajbmeb-1598	90	9	bank	bank	PROPN
ajbmeb-1598	90	10	is	be	AUX
ajbmeb-1598	90	11	the	the	DET
ajbmeb-1598	90	12	best	good	ADJ
ajbmeb-1598	90	13	,	,	PUNCT
ajbmeb-1598	90	14	and	and	CCONJ
ajbmeb-1598	90	15	this	this	PRON
ajbmeb-1598	90	16	indicates	indicate	VERB
ajbmeb-1598	90	17	that	that	SCONJ
ajbmeb-1598	90	18	the	the	DET
ajbmeb-1598	90	19	bank	bank	NOUN
ajbmeb-1598	90	20	has	have	AUX
ajbmeb-1598	90	21	taken	take	VERB
ajbmeb-1598	90	22	good	good	ADJ
ajbmeb-1598	90	23	steps	step	NOUN
ajbmeb-1598	90	24	to	to	PART
ajbmeb-1598	90	25	improve	improve	VERB
ajbmeb-1598	90	26	this	this	DET
ajbmeb-1598	90	27	ratio	ratio	NOUN
ajbmeb-1598	90	28	and	and	CCONJ
ajbmeb-1598	90	29	that	that	SCONJ
ajbmeb-1598	90	30	customers	customer	NOUN
ajbmeb-1598	90	31	have	have	AUX
ajbmeb-1598	90	32	accepted	accept	VERB
ajbmeb-1598	90	33	savings	saving	NOUN
ajbmeb-1598	90	34	accounts	account	NOUN
ajbmeb-1598	90	35	,	,	PUNCT
ajbmeb-1598	90	36	which	which	PRON
ajbmeb-1598	90	37	indicates	indicate	VERB
ajbmeb-1598	90	38	that	that	SCONJ
ajbmeb-1598	90	39	the	the	DET
ajbmeb-1598	90	40	bank	bank	NOUN
ajbmeb-1598	90	41	has	have	AUX
ajbmeb-1598	90	42	increased	increase	VERB
ajbmeb-1598	90	43	the	the	DET
ajbmeb-1598	90	44	interest	interest	NOUN
ajbmeb-1598	90	45	rate	rate	NOUN
ajbmeb-1598	90	46	on	on	ADP
ajbmeb-1598	90	47	these	these	DET
ajbmeb-1598	90	48	accounts	account	NOUN
ajbmeb-1598	90	49	because	because	SCONJ
ajbmeb-1598	90	50	the	the	DET
ajbmeb-1598	90	51	high	high	ADJ
ajbmeb-1598	90	52	interest	interest	NOUN
ajbmeb-1598	90	53	rate	rate	NOUN
ajbmeb-1598	90	54	is	be	AUX
ajbmeb-1598	90	55	considered	consider	VERB
ajbmeb-1598	90	56	an	an	DET
ajbmeb-1598	90	57	incentive	incentive	NOUN
ajbmeb-1598	90	58	to	to	PART
ajbmeb-1598	90	59	attract	attract	VERB
ajbmeb-1598	90	60	the	the	DET
ajbmeb-1598	90	61	customer	customer	NOUN
ajbmeb-1598	90	62	.	.	PUNCT
ajbmeb-1598	91	1	american	american	PROPN
ajbmeb-1598	91	2	journal	journal	PROPN
ajbmeb-1598	91	3	of	of	ADP
ajbmeb-1598	91	4	business	business	NOUN
ajbmeb-1598	91	5	management	management	NOUN
ajbmeb-1598	91	6	,	,	PUNCT
ajbmeb-1598	91	7	economics	economic	NOUN
ajbmeb-1598	91	8	and	and	CCONJ
ajbmeb-1598	91	9	banking	banking	NOUN
ajbmeb-1598	91	10	volume	volume	NOUN
ajbmeb-1598	91	11	19	19	NUM
ajbmeb-1598	91	12	december	december	PROPN
ajbmeb-1598	91	13	,	,	PUNCT
ajbmeb-1598	91	14	2023	2023	NUM
ajbmeb-1598	91	15	p	p	NOUN
ajbmeb-1598	91	16	a	a	DET
ajbmeb-1598	91	17	g	g	NOUN
ajbmeb-1598	91	18	e	e	NOUN
ajbmeb-1598	91	19	|	|	NOUN
ajbmeb-1598	91	20	25	25	NUM
ajbmeb-1598	91	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	91	22	figure	figure	NOUN
ajbmeb-1598	91	23	(	(	PUNCT
ajbmeb-1598	91	24	3	3	NUM
ajbmeb-1598	91	25	)	)	PUNCT
ajbmeb-1598	91	26	comparison	comparison	NOUN
ajbmeb-1598	91	27	of	of	ADP
ajbmeb-1598	91	28	the	the	DET
ajbmeb-1598	91	29	percentage	percentage	NOUN
ajbmeb-1598	91	30	of	of	ADP
ajbmeb-1598	91	31	savings	saving	NOUN
ajbmeb-1598	91	32	accounts	account	NOUN
ajbmeb-1598	91	33	of	of	ADP
ajbmeb-1598	91	34	commercial	commercial	ADJ
ajbmeb-1598	91	35	banks	bank	NOUN
ajbmeb-1598	91	36	in	in	ADP
ajbmeb-1598	91	37	the	the	DET
ajbmeb-1598	91	38	study	study	NOUN
ajbmeb-1598	91	39	sample	sample	NOUN
ajbmeb-1598	91	40	for	for	ADP
ajbmeb-1598	91	41	the	the	DET
ajbmeb-1598	91	42	period	period	NOUN
ajbmeb-1598	91	43	(	(	PUNCT
ajbmeb-1598	91	44	2017	2017	NUM
ajbmeb-1598	91	45	-	-	SYM
ajbmeb-1598	91	46	2020	2020	NUM
ajbmeb-1598	91	47	)	)	PUNCT
ajbmeb-1598	91	48	.	.	PUNCT
ajbmeb-1598	92	1	source	source	NOUN
ajbmeb-1598	92	2	:	:	PUNCT
ajbmeb-1598	92	3	prepared	prepare	VERB
ajbmeb-1598	92	4	by	by	ADP
ajbmeb-1598	92	5	the	the	DET
ajbmeb-1598	92	6	researcher	researcher	NOUN
ajbmeb-1598	92	7	based	base	VERB
ajbmeb-1598	92	8	on	on	ADP
ajbmeb-1598	92	9	the	the	DET
ajbmeb-1598	92	10	annual	annual	ADJ
ajbmeb-1598	92	11	reports	report	NOUN
ajbmeb-1598	92	12	of	of	ADP
ajbmeb-1598	92	13	commercial	commercial	ADJ
ajbmeb-1598	92	14	banks	bank	NOUN
ajbmeb-1598	92	15	,	,	PUNCT
ajbmeb-1598	92	16	the	the	DET
ajbmeb-1598	92	17	study	study	NOUN
ajbmeb-1598	92	18	sample	sample	NOUN
ajbmeb-1598	92	19	for	for	ADP
ajbmeb-1598	92	20	the	the	DET
ajbmeb-1598	92	21	period	period	NOUN
ajbmeb-1598	92	22	(	(	PUNCT
ajbmeb-1598	92	23	2017	2017	NUM
ajbmeb-1598	92	24	-	-	SYM
ajbmeb-1598	92	25	2020	2020	NUM
ajbmeb-1598	92	26	)	)	PUNCT
ajbmeb-1598	92	27	.	.	PUNCT
ajbmeb-1598	93	1	the	the	DET
ajbmeb-1598	93	2	second	second	ADJ
ajbmeb-1598	93	3	requirement	requirement	NOUN
ajbmeb-1598	93	4	:	:	PUNCT
ajbmeb-1598	93	5	second	second	ADJ
ajbmeb-1598	93	6	:	:	PUNCT
ajbmeb-1598	93	7	statistical	statistical	ADJ
ajbmeb-1598	93	8	analysis	analysis	NOUN
ajbmeb-1598	93	9	:	:	PUNCT
ajbmeb-1598	93	10	coding	code	VERB
ajbmeb-1598	93	11	the	the	DET
ajbmeb-1598	93	12	research	research	NOUN
ajbmeb-1598	93	13	variables	variable	NOUN
ajbmeb-1598	93	14	as	as	SCONJ
ajbmeb-1598	93	15	follows	follow	VERB
ajbmeb-1598	93	16	a	a	PRON
ajbmeb-1598	93	17	:	:	PUNCT
ajbmeb-1598	93	18	the	the	DET
ajbmeb-1598	93	19	independent	independent	ADJ
ajbmeb-1598	93	20	variable	variable	NOUN
ajbmeb-1598	93	21	x	x	X
ajbmeb-1598	93	22	=	=	PUNCT
ajbmeb-1598	93	23	bthe	bthe	DET
ajbmeb-1598	93	24	dependent	dependent	ADJ
ajbmeb-1598	93	25	variable	variable	NOUN
ajbmeb-1598	93	26	ŷ	ŷ	PROPN
ajbmeb-1598	93	27	=	=	PUNCT
ajbmeb-1598	93	28	research	research	NOUN
ajbmeb-1598	93	29	hypothesis	hypothesis	NOUN
ajbmeb-1598	93	30	:	:	PUNCT
ajbmeb-1598	93	31	this	this	DET
ajbmeb-1598	93	32	hypothesis	hypothesis	NOUN
ajbmeb-1598	93	33	stated	state	VERB
ajbmeb-1598	93	34	that	that	SCONJ
ajbmeb-1598	93	35	there	there	PRON
ajbmeb-1598	93	36	was	be	VERB
ajbmeb-1598	93	37	a	a	DET
ajbmeb-1598	93	38	significant	significant	ADJ
ajbmeb-1598	93	39	effect	effect	NOUN
ajbmeb-1598	93	40	of	of	ADP
ajbmeb-1598	93	41	customers	customer	NOUN
ajbmeb-1598	93	42	’	'	PUNCT
ajbmeb-1598	93	43	perspective	perspective	NOUN
ajbmeb-1598	93	44	on	on	ADP
ajbmeb-1598	93	45	the	the	DET
ajbmeb-1598	93	46	banking	banking	NOUN
ajbmeb-1598	93	47	liquidity	liquidity	NOUN
ajbmeb-1598	93	48	of	of	ADP
ajbmeb-1598	93	49	the	the	DET
ajbmeb-1598	93	50	banks	bank	NOUN
ajbmeb-1598	93	51	in	in	ADP
ajbmeb-1598	93	52	the	the	DET
ajbmeb-1598	93	53	research	research	NOUN
ajbmeb-1598	93	54	sample	sample	NOUN
ajbmeb-1598	93	55	,	,	PUNCT
ajbmeb-1598	93	56	as	as	SCONJ
ajbmeb-1598	93	57	simple	simple	ADJ
ajbmeb-1598	93	58	linear	linear	ADJ
ajbmeb-1598	93	59	regression	regression	NOUN
ajbmeb-1598	93	60	was	be	AUX
ajbmeb-1598	93	61	used	use	VERB
ajbmeb-1598	93	62	to	to	PART
ajbmeb-1598	93	63	test	test	VERB
ajbmeb-1598	93	64	the	the	DET
ajbmeb-1598	93	65	research	research	NOUN
ajbmeb-1598	93	66	hypothesis	hypothesis	NOUN
ajbmeb-1598	93	67	,	,	PUNCT
ajbmeb-1598	93	68	shown	show	VERB
ajbmeb-1598	93	69	in	in	ADP
ajbmeb-1598	93	70	the	the	DET
ajbmeb-1598	93	71	equation	equation	NOUN
ajbmeb-1598	93	72	below	below	ADV
ajbmeb-1598	93	73	:	:	PUNCT
ajbmeb-1598	93	74	ŷ1	ŷ1	PROPN
ajbmeb-1598	93	75	=	=	SYM
ajbmeb-1598	93	76	𝛼	𝛼	PROPN
ajbmeb-1598	94	1	+	+	NOUN
ajbmeb-1598	94	2	𝛽𝑋	𝛽𝑋	NOUN
ajbmeb-1598	94	3	ŷ	ŷ	PROPN
ajbmeb-1598	94	4	1	1	NUM
ajbmeb-1598	94	5	=	=	SYM
ajbmeb-1598	94	6	105.842	105.842	NUM
ajbmeb-1598	94	7	+	+	NUM
ajbmeb-1598	94	8	0.889𝑥	0.889𝑥	PROPN
ajbmeb-1598	94	9	sig	sig	PROPN
ajbmeb-1598	94	10	.	.	PUNCT
ajbmeb-1598	95	1	t	t	PROPN
ajbmeb-1598	95	2	impact	impact	NOUN
ajbmeb-1598	95	3	factor	factor	NOUN
ajbmeb-1598	95	4	𝛽	𝛽	NOUN
ajbmeb-1598	95	5	independent	independent	ADJ
ajbmeb-1598	95	6	variables	variable	NOUN
ajbmeb-1598	95	7	0.242	0.242	NUM
ajbmeb-1598	95	8	1.192	1.192	NUM
ajbmeb-1598	95	9	0.889	0.889	NUM
ajbmeb-1598	95	10	x	x	X
ajbmeb-1598	95	11	105.842	105.842	NUM
ajbmeb-1598	95	12	c	c	NOUN
ajbmeb-1598	95	13	0.041	0.041	NUM
ajbmeb-1598	95	14	r	r	NOUN
ajbmeb-1598	95	15	square	square	NOUN
ajbmeb-1598	95	16	1.421	1.421	NUM
ajbmeb-1598	95	17	f	f	PROPN
ajbmeb-1598	95	18	source	source	NOUN
ajbmeb-1598	95	19	:	:	PUNCT
ajbmeb-1598	95	20	prepared	prepare	VERB
ajbmeb-1598	95	21	by	by	ADP
ajbmeb-1598	95	22	the	the	DET
ajbmeb-1598	95	23	researcher	researcher	NOUN
ajbmeb-1598	95	24	based	base	VERB
ajbmeb-1598	95	25	on	on	ADP
ajbmeb-1598	95	26	the	the	DET
ajbmeb-1598	95	27	spssv.26	spssv.26	ADJ
ajbmeb-1598	95	28	program	program	NOUN
ajbmeb-1598	95	29	it	it	PRON
ajbmeb-1598	95	30	is	be	AUX
ajbmeb-1598	95	31	clear	clear	ADJ
ajbmeb-1598	95	32	from	from	ADP
ajbmeb-1598	95	33	the	the	DET
ajbmeb-1598	95	34	table	table	NOUN
ajbmeb-1598	95	35	above	above	ADV
ajbmeb-1598	95	36	(	(	PUNCT
ajbmeb-1598	95	37	7	7	NUM
ajbmeb-1598	95	38	)	)	PUNCT
ajbmeb-1598	95	39	that	that	SCONJ
ajbmeb-1598	95	40	the	the	DET
ajbmeb-1598	95	41	coefficient	coefficient	NOUN
ajbmeb-1598	95	42	of	of	ADP
ajbmeb-1598	95	43	the	the	DET
ajbmeb-1598	95	44	fixed	fix	VERB
ajbmeb-1598	95	45	term	term	NOUN
ajbmeb-1598	95	46	was	be	AUX
ajbmeb-1598	95	47	(	(	PUNCT
ajbmeb-1598	95	48	0.889	0.889	NUM
ajbmeb-1598	95	49	)	)	PUNCT
ajbmeb-1598	95	50	.	.	PUNCT
ajbmeb-1598	96	1	if	if	SCONJ
ajbmeb-1598	96	2	the	the	DET
ajbmeb-1598	96	3	independent	independent	ADJ
ajbmeb-1598	96	4	variable	variable	NOUN
ajbmeb-1598	96	5	was	be	AUX
ajbmeb-1598	96	6	equal	equal	ADJ
ajbmeb-1598	96	7	to	to	ADP
ajbmeb-1598	96	8	zero	zero	NUM
ajbmeb-1598	96	9	,	,	PUNCT
ajbmeb-1598	96	10	that	that	ADV
ajbmeb-1598	96	11	is	is	ADV
ajbmeb-1598	96	12	,	,	PUNCT
ajbmeb-1598	96	13	in	in	ADP
ajbmeb-1598	96	14	the	the	DET
ajbmeb-1598	96	15	absence	absence	NOUN
ajbmeb-1598	96	16	of	of	ADP
ajbmeb-1598	96	17	the	the	DET
ajbmeb-1598	96	18	customer	customer	NOUN
ajbmeb-1598	96	19	perspective	perspective	NOUN
ajbmeb-1598	96	20	of	of	ADP
ajbmeb-1598	96	21	the	the	DET
ajbmeb-1598	96	22	private	private	ADJ
ajbmeb-1598	96	23	sector	sector	NOUN
ajbmeb-1598	96	24	banks	bank	NOUN
ajbmeb-1598	96	25	in	in	ADP
ajbmeb-1598	96	26	the	the	DET
ajbmeb-1598	96	27	research	research	NOUN
ajbmeb-1598	96	28	sample	sample	NOUN
ajbmeb-1598	96	29	,	,	PUNCT
ajbmeb-1598	96	30	then	then	ADV
ajbmeb-1598	96	31	the	the	DET
ajbmeb-1598	96	32	value	value	NOUN
ajbmeb-1598	96	33	of	of	ADP
ajbmeb-1598	96	34	bank	bank	NOUN
ajbmeb-1598	96	35	liquidity	liquidity	NOUN
ajbmeb-1598	96	36	was	be	AUX
ajbmeb-1598	96	37	equal	equal	ADJ
ajbmeb-1598	96	38	to	to	ADP
ajbmeb-1598	96	39	(	(	PUNCT
ajbmeb-1598	96	40	0.889	0.889	NUM
ajbmeb-1598	96	41	)	)	PUNCT
ajbmeb-1598	96	42	,	,	PUNCT
ajbmeb-1598	96	43	while	while	SCONJ
ajbmeb-1598	96	44	the	the	DET
ajbmeb-1598	96	45	value	value	NOUN
ajbmeb-1598	96	46	of	of	ADP
ajbmeb-1598	96	47	the	the	DET
ajbmeb-1598	96	48	calculated	calculated	ADJ
ajbmeb-1598	96	49	t	t	PROPN
ajbmeb-1598	96	50	was	be	AUX
ajbmeb-1598	96	51	1.192	1.192	NUM
ajbmeb-1598	96	52	.	.	PUNCT
ajbmeb-1598	97	1	when	when	SCONJ
ajbmeb-1598	97	2	compared	compare	VERB
ajbmeb-1598	97	3	to	to	ADP
ajbmeb-1598	97	4	its	its	PRON
ajbmeb-1598	97	5	tabular	tabular	ADJ
ajbmeb-1598	97	6	counterpart	counterpart	NOUN
ajbmeb-1598	97	7	of	of	ADP
ajbmeb-1598	97	8	(	(	PUNCT
ajbmeb-1598	97	9	2.750	2.750	NUM
ajbmeb-1598	97	10	)	)	PUNCT
ajbmeb-1598	97	11	,	,	PUNCT
ajbmeb-1598	97	12	we	we	PRON
ajbmeb-1598	97	13	find	find	VERB
ajbmeb-1598	97	14	that	that	SCONJ
ajbmeb-1598	97	15	it	it	PRON
ajbmeb-1598	97	16	is	be	AUX
ajbmeb-1598	97	17	less	less	ADJ
ajbmeb-1598	97	18	than	than	ADP
ajbmeb-1598	97	19	the	the	DET
ajbmeb-1598	97	20	tabular	tabular	PROPN
ajbmeb-1598	97	21	t	t	PROPN
ajbmeb-1598	97	22	,	,	PUNCT
ajbmeb-1598	97	23	with	with	ADP
ajbmeb-1598	97	24	a	a	DET
ajbmeb-1598	97	25	degree	degree	NOUN
ajbmeb-1598	97	26	of	of	ADP
ajbmeb-1598	97	27	freedom	freedom	NOUN
ajbmeb-1598	97	28	of	of	ADP
ajbmeb-1598	97	29	(	(	PUNCT
ajbmeb-1598	97	30	35	35	NUM
ajbmeb-1598	97	31	)	)	PUNCT
ajbmeb-1598	97	32	.	.	PUNCT
ajbmeb-1598	98	1	the	the	DET
ajbmeb-1598	98	2	coefficient	coefficient	NOUN
ajbmeb-1598	98	3	of	of	ADP
ajbmeb-1598	98	4	determination	determination	NOUN
ajbmeb-1598	98	5	(	(	PUNCT
ajbmeb-1598	98	6	r^2	r^2	PROPN
ajbmeb-1598	98	7	)	)	PUNCT
ajbmeb-1598	98	8	explained	explain	VERB
ajbmeb-1598	98	9	a	a	DET
ajbmeb-1598	98	10	value	value	NOUN
ajbmeb-1598	98	11	of	of	ADP
ajbmeb-1598	98	12	(	(	PUNCT
ajbmeb-1598	98	13	0.041	0.041	NUM
ajbmeb-1598	98	14	)	)	PUNCT
ajbmeb-1598	98	15	of	of	ADP
ajbmeb-1598	98	16	the	the	DET
ajbmeb-1598	98	17	effects	effect	NOUN
ajbmeb-1598	98	18	that	that	PRON
ajbmeb-1598	98	19	occur	occur	VERB
ajbmeb-1598	98	20	in	in	ADP
ajbmeb-1598	98	21	(	(	PUNCT
ajbmeb-1598	98	22	banking	banking	NOUN
ajbmeb-1598	98	23	liquidity	liquidity	NOUN
ajbmeb-1598	98	24	)	)	PUNCT
ajbmeb-1598	98	25	,	,	PUNCT
ajbmeb-1598	98	26	and	and	CCONJ
ajbmeb-1598	98	27	these	these	DET
ajbmeb-1598	98	28	effects	effect	NOUN
ajbmeb-1598	98	29	are	be	AUX
ajbmeb-1598	98	30	the	the	DET
ajbmeb-1598	98	31	result	result	NOUN
ajbmeb-1598	98	32	of	of	ADP
ajbmeb-1598	98	33	on	on	ADP
ajbmeb-1598	98	34	the	the	DET
ajbmeb-1598	98	35	effect	effect	NOUN
ajbmeb-1598	98	36	of	of	ADP
ajbmeb-1598	98	37	the	the	DET
ajbmeb-1598	98	38	independent	independent	ADJ
ajbmeb-1598	98	39	variable	variable	NOUN
ajbmeb-1598	98	40	(	(	PUNCT
ajbmeb-1598	98	41	customers	customer	NOUN
ajbmeb-1598	98	42	’	'	PUNCT
ajbmeb-1598	98	43	perspective	perspective	NOUN
ajbmeb-1598	98	44	of	of	ADP
ajbmeb-1598	98	45	the	the	DET
ajbmeb-1598	98	46	banks	bank	NOUN
ajbmeb-1598	98	47	in	in	ADP
ajbmeb-1598	98	48	the	the	DET
ajbmeb-1598	98	49	research	research	NOUN
ajbmeb-1598	98	50	sample	sample	NOUN
ajbmeb-1598	98	51	)	)	PUNCT
ajbmeb-1598	98	52	,	,	PUNCT
ajbmeb-1598	98	53	while	while	SCONJ
ajbmeb-1598	98	54	the	the	DET
ajbmeb-1598	98	55	other	other	ADJ
ajbmeb-1598	98	56	effects	effect	NOUN
ajbmeb-1598	98	57	amounting	amount	VERB
ajbmeb-1598	98	58	to	to	ADP
ajbmeb-1598	98	59	(	(	PUNCT
ajbmeb-1598	98	60	.960	.960	NUM
ajbmeb-1598	98	61	)	)	PUNCT
ajbmeb-1598	98	62	are	be	AUX
ajbmeb-1598	98	63	due	due	ADJ
ajbmeb-1598	98	64	to	to	ADP
ajbmeb-1598	98	65	other	other	ADJ
ajbmeb-1598	98	66	variables	variable	NOUN
ajbmeb-1598	98	67	that	that	PRON
ajbmeb-1598	98	68	were	be	AUX
ajbmeb-1598	98	69	not	not	PART
ajbmeb-1598	98	70	included	include	VERB
ajbmeb-1598	98	71	in	in	ADP
ajbmeb-1598	98	72	this	this	DET
ajbmeb-1598	98	73	model	model	NOUN
ajbmeb-1598	98	74	.	.	PUNCT
ajbmeb-1598	99	1	0.00	0.00	NUM
ajbmeb-1598	99	2	%	%	NOUN
ajbmeb-1598	99	3	10.00	10.00	NUM
ajbmeb-1598	99	4	%	%	NOUN
ajbmeb-1598	99	5	20.00	20.00	NUM
ajbmeb-1598	99	6	%	%	NOUN
ajbmeb-1598	99	7	30.00	30.00	NUM
ajbmeb-1598	99	8	%	%	NOUN
ajbmeb-1598	99	9	40.00	40.00	NUM
ajbmeb-1598	99	10	%	%	NOUN
ajbmeb-1598	99	11	50.00	50.00	NUM
ajbmeb-1598	99	12	%	%	NOUN
ajbmeb-1598	99	13	american	american	PROPN
ajbmeb-1598	99	14	journal	journal	PROPN
ajbmeb-1598	99	15	of	of	ADP
ajbmeb-1598	99	16	business	business	NOUN
ajbmeb-1598	99	17	management	management	NOUN
ajbmeb-1598	99	18	,	,	PUNCT
ajbmeb-1598	99	19	economics	economic	NOUN
ajbmeb-1598	99	20	and	and	CCONJ
ajbmeb-1598	99	21	banking	banking	NOUN
ajbmeb-1598	99	22	volume	volume	NOUN
ajbmeb-1598	99	23	19	19	NUM
ajbmeb-1598	99	24	december	december	PROPN
ajbmeb-1598	99	25	,	,	PUNCT
ajbmeb-1598	99	26	2023	2023	NUM
ajbmeb-1598	99	27	p	p	NOUN
ajbmeb-1598	99	28	a	a	DET
ajbmeb-1598	99	29	g	g	NOUN
ajbmeb-1598	99	30	e	e	NOUN
ajbmeb-1598	99	31	|	|	NOUN
ajbmeb-1598	99	32	26	26	NUM
ajbmeb-1598	99	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	99	34	the	the	DET
ajbmeb-1598	99	35	f	f	PROPN
ajbmeb-1598	99	36	test	test	NOUN
ajbmeb-1598	99	37	and	and	CCONJ
ajbmeb-1598	99	38	the	the	DET
ajbmeb-1598	99	39	significance	significance	NOUN
ajbmeb-1598	99	40	level	level	NOUN
ajbmeb-1598	99	41	(	(	PUNCT
ajbmeb-1598	99	42	sig	sig	NOUN
ajbmeb-1598	99	43	)	)	PUNCT
ajbmeb-1598	99	44	measure	measure	VERB
ajbmeb-1598	99	45	the	the	DET
ajbmeb-1598	99	46	significance	significance	NOUN
ajbmeb-1598	99	47	of	of	ADP
ajbmeb-1598	99	48	the	the	DET
ajbmeb-1598	99	49	model	model	NOUN
ajbmeb-1598	99	50	as	as	ADP
ajbmeb-1598	99	51	a	a	DET
ajbmeb-1598	99	52	whole	whole	NOUN
ajbmeb-1598	99	53	,	,	PUNCT
ajbmeb-1598	99	54	as	as	SCONJ
ajbmeb-1598	99	55	it	it	PRON
ajbmeb-1598	99	56	is	be	AUX
ajbmeb-1598	99	57	noted	note	VERB
ajbmeb-1598	99	58	that	that	SCONJ
ajbmeb-1598	99	59	the	the	DET
ajbmeb-1598	99	60	estimated	estimate	VERB
ajbmeb-1598	99	61	model	model	NOUN
ajbmeb-1598	99	62	is	be	AUX
ajbmeb-1598	99	63	not	not	PART
ajbmeb-1598	99	64	significant	significant	ADJ
ajbmeb-1598	99	65	at	at	ADP
ajbmeb-1598	99	66	a	a	DET
ajbmeb-1598	99	67	significance	significance	NOUN
ajbmeb-1598	99	68	level	level	NOUN
ajbmeb-1598	99	69	of	of	ADP
ajbmeb-1598	99	70	more	more	ADJ
ajbmeb-1598	99	71	than	than	ADP
ajbmeb-1598	99	72	5	5	NUM
ajbmeb-1598	99	73	%	%	NOUN
ajbmeb-1598	99	74	.	.	PUNCT
ajbmeb-1598	100	1	when	when	SCONJ
ajbmeb-1598	100	2	comparing	compare	VERB
ajbmeb-1598	100	3	the	the	DET
ajbmeb-1598	100	4	calculated	calculated	ADJ
ajbmeb-1598	100	5	f	f	PROPN
ajbmeb-1598	100	6	with	with	ADP
ajbmeb-1598	100	7	its	its	PRON
ajbmeb-1598	100	8	tabular	tabular	NOUN
ajbmeb-1598	100	9	counterpart	counterpart	NOUN
ajbmeb-1598	100	10	,	,	PUNCT
ajbmeb-1598	100	11	we	we	PRON
ajbmeb-1598	100	12	find	find	VERB
ajbmeb-1598	100	13	that	that	SCONJ
ajbmeb-1598	100	14	it	it	PRON
ajbmeb-1598	100	15	is	be	AUX
ajbmeb-1598	100	16	lower	low	ADJ
ajbmeb-1598	100	17	,	,	PUNCT
ajbmeb-1598	100	18	as	as	SCONJ
ajbmeb-1598	100	19	its	its	PRON
ajbmeb-1598	100	20	value	value	NOUN
ajbmeb-1598	100	21	reached	reach	VERB
ajbmeb-1598	100	22	(	(	PUNCT
ajbmeb-1598	100	23	1.421	1.421	NUM
ajbmeb-1598	100	24	)	)	PUNCT
ajbmeb-1598	100	25	,	,	PUNCT
ajbmeb-1598	100	26	while	while	SCONJ
ajbmeb-1598	100	27	the	the	DET
ajbmeb-1598	100	28	tabular	tabular	NOUN
ajbmeb-1598	100	29	f	f	PROPN
ajbmeb-1598	100	30	reached	reach	VERB
ajbmeb-1598	100	31	(	(	PUNCT
ajbmeb-1598	100	32	2.49	2.49	NUM
ajbmeb-1598	100	33	)	)	PUNCT
ajbmeb-1598	100	34	.	.	PUNCT
ajbmeb-1598	101	1	as	as	ADP
ajbmeb-1598	101	2	for	for	ADP
ajbmeb-1598	101	3	(	(	PUNCT
ajbmeb-1598	101	4	the	the	DET
ajbmeb-1598	101	5	significance	significance	NOUN
ajbmeb-1598	101	6	level	level	NOUN
ajbmeb-1598	101	7	,	,	PUNCT
ajbmeb-1598	101	8	sig	sig	NOUN
ajbmeb-1598	101	9	.	.	PUNCT
ajbmeb-1598	102	1	f	f	X
ajbmeb-1598	102	2	)	)	PUNCT
ajbmeb-1598	102	3	for	for	ADP
ajbmeb-1598	102	4	the	the	DET
ajbmeb-1598	102	5	model	model	NOUN
ajbmeb-1598	102	6	as	as	SCONJ
ajbmeb-1598	102	7	a	a	DET
ajbmeb-1598	102	8	whole	whole	NOUN
ajbmeb-1598	102	9	represents	represent	VERB
ajbmeb-1598	102	10	(	(	PUNCT
ajbmeb-1598	102	11	0.242	0.242	NUM
ajbmeb-1598	102	12	)	)	PUNCT
ajbmeb-1598	102	13	,	,	PUNCT
ajbmeb-1598	102	14	which	which	PRON
ajbmeb-1598	102	15	is	be	AUX
ajbmeb-1598	102	16	more	more	ADJ
ajbmeb-1598	102	17	than	than	ADP
ajbmeb-1598	102	18	(	(	PUNCT
ajbmeb-1598	102	19	5	5	NUM
ajbmeb-1598	102	20	%	%	NOUN
ajbmeb-1598	102	21	)	)	PUNCT
ajbmeb-1598	102	22	that	that	SCONJ
ajbmeb-1598	102	23	the	the	DET
ajbmeb-1598	102	24	researcher	researcher	NOUN
ajbmeb-1598	102	25	assumed	assume	VERB
ajbmeb-1598	102	26	.	.	PUNCT
ajbmeb-1598	103	1	accordingly	accordingly	ADV
ajbmeb-1598	103	2	,	,	PUNCT
ajbmeb-1598	103	3	the	the	DET
ajbmeb-1598	103	4	hypothesis	hypothesis	NOUN
ajbmeb-1598	103	5	of	of	ADP
ajbmeb-1598	103	6	the	the	DET
ajbmeb-1598	103	7	model	model	NOUN
ajbmeb-1598	103	8	is	be	AUX
ajbmeb-1598	103	9	rejected	reject	VERB
ajbmeb-1598	103	10	(	(	PUNCT
ajbmeb-1598	103	11	the	the	DET
ajbmeb-1598	103	12	alternative	alternative	ADJ
ajbmeb-1598	103	13	hypothesis	hypothesis	NOUN
ajbmeb-1598	103	14	)	)	PUNCT
ajbmeb-1598	103	15	and	and	CCONJ
ajbmeb-1598	103	16	the	the	DET
ajbmeb-1598	103	17	null	null	ADJ
ajbmeb-1598	103	18	hypothesis	hypothesis	NOUN
ajbmeb-1598	103	19	is	be	AUX
ajbmeb-1598	103	20	accepted	accept	VERB
ajbmeb-1598	103	21	(	(	PUNCT
ajbmeb-1598	103	22	the	the	DET
ajbmeb-1598	103	23	null	null	ADJ
ajbmeb-1598	103	24	hypothesis	hypothesis	NOUN
ajbmeb-1598	103	25	)	)	PUNCT
ajbmeb-1598	103	26	.	.	PUNCT
ajbmeb-1598	104	1	this	this	PRON
ajbmeb-1598	104	2	is	be	AUX
ajbmeb-1598	104	3	not	not	PART
ajbmeb-1598	104	4	consistent	consistent	ADJ
ajbmeb-1598	104	5	with	with	ADP
ajbmeb-1598	104	6	what	what	PRON
ajbmeb-1598	104	7	is	be	AUX
ajbmeb-1598	104	8	expected	expect	VERB
ajbmeb-1598	104	9	for	for	ADP
ajbmeb-1598	104	10	the	the	DET
ajbmeb-1598	104	11	study	study	NOUN
ajbmeb-1598	104	12	.	.	PUNCT
ajbmeb-1598	105	1	the	the	DET
ajbmeb-1598	105	2	third	third	ADJ
ajbmeb-1598	105	3	requirement	requirement	NOUN
ajbmeb-1598	105	4	:	:	PUNCT
ajbmeb-1598	105	5	conclusions	conclusion	NOUN
ajbmeb-1598	105	6	and	and	CCONJ
ajbmeb-1598	105	7	recommendations	recommendation	NOUN
ajbmeb-1598	105	8	:	:	PUNCT
ajbmeb-1598	105	9	first	first	ADV
ajbmeb-1598	105	10	:	:	PUNCT
ajbmeb-1598	105	11	conclusions	conclusion	NOUN
ajbmeb-1598	105	12	.	.	PUNCT
ajbmeb-1598	106	1	1	1	X
ajbmeb-1598	106	2	.	.	X
ajbmeb-1598	106	3	there	there	PRON
ajbmeb-1598	106	4	is	be	VERB
ajbmeb-1598	106	5	a	a	DET
ajbmeb-1598	106	6	noticeable	noticeable	ADJ
ajbmeb-1598	106	7	weakness	weakness	NOUN
ajbmeb-1598	106	8	in	in	ADP
ajbmeb-1598	106	9	the	the	DET
ajbmeb-1598	106	10	bank	bank	NOUN
ajbmeb-1598	106	11	value	value	NOUN
ajbmeb-1598	106	12	index	index	NOUN
ajbmeb-1598	106	13	for	for	ADP
ajbmeb-1598	106	14	all	all	DET
ajbmeb-1598	106	15	banks	bank	NOUN
ajbmeb-1598	106	16	in	in	ADP
ajbmeb-1598	106	17	the	the	DET
ajbmeb-1598	106	18	study	study	NOUN
ajbmeb-1598	106	19	sample	sample	NOUN
ajbmeb-1598	106	20	,	,	PUNCT
ajbmeb-1598	106	21	which	which	PRON
ajbmeb-1598	106	22	confirms	confirm	VERB
ajbmeb-1598	106	23	that	that	SCONJ
ajbmeb-1598	106	24	the	the	DET
ajbmeb-1598	106	25	banks	bank	NOUN
ajbmeb-1598	106	26	are	be	AUX
ajbmeb-1598	106	27	in	in	ADP
ajbmeb-1598	106	28	a	a	DET
ajbmeb-1598	106	29	stage	stage	NOUN
ajbmeb-1598	106	30	of	of	ADP
ajbmeb-1598	106	31	danger	danger	NOUN
ajbmeb-1598	106	32	,	,	PUNCT
ajbmeb-1598	106	33	as	as	SCONJ
ajbmeb-1598	106	34	the	the	DET
ajbmeb-1598	106	35	real	real	ADJ
ajbmeb-1598	106	36	value	value	NOUN
ajbmeb-1598	106	37	of	of	ADP
ajbmeb-1598	106	38	their	their	PRON
ajbmeb-1598	106	39	assets	asset	NOUN
ajbmeb-1598	106	40	is	be	AUX
ajbmeb-1598	106	41	less	less	ADJ
ajbmeb-1598	106	42	than	than	ADP
ajbmeb-1598	106	43	the	the	DET
ajbmeb-1598	106	44	market	market	NOUN
ajbmeb-1598	106	45	value	value	NOUN
ajbmeb-1598	106	46	,	,	PUNCT
ajbmeb-1598	106	47	and	and	CCONJ
ajbmeb-1598	106	48	this	this	DET
ajbmeb-1598	106	49	percentage	percentage	NOUN
ajbmeb-1598	106	50	affects	affect	VERB
ajbmeb-1598	106	51	the	the	DET
ajbmeb-1598	106	52	degree	degree	NOUN
ajbmeb-1598	106	53	of	of	ADP
ajbmeb-1598	106	54	reassurance	reassurance	NOUN
ajbmeb-1598	106	55	of	of	ADP
ajbmeb-1598	106	56	investors	investor	NOUN
ajbmeb-1598	106	57	to	to	PART
ajbmeb-1598	106	58	invest	invest	VERB
ajbmeb-1598	106	59	in	in	ADP
ajbmeb-1598	106	60	these	these	DET
ajbmeb-1598	106	61	banks	bank	NOUN
ajbmeb-1598	106	62	.	.	PUNCT
ajbmeb-1598	107	1	2	2	X
ajbmeb-1598	107	2	.	.	X
ajbmeb-1598	107	3	trans	trans	PROPN
ajbmeb-1598	107	4	-	-	PROPN
ajbmeb-1598	107	5	iraq	iraq	PROPN
ajbmeb-1598	107	6	bank	bank	PROPN
ajbmeb-1598	107	7	declined	decline	VERB
ajbmeb-1598	107	8	compared	compare	VERB
ajbmeb-1598	107	9	to	to	ADP
ajbmeb-1598	107	10	the	the	DET
ajbmeb-1598	107	11	bank	bank	NOUN
ajbmeb-1598	107	12	of	of	ADP
ajbmeb-1598	107	13	baghdad	baghdad	PROPN
ajbmeb-1598	107	14	and	and	CCONJ
ajbmeb-1598	107	15	assyria	assyria	PROPN
ajbmeb-1598	107	16	international	international	PROPN
ajbmeb-1598	107	17	in	in	ADP
ajbmeb-1598	107	18	the	the	DET
ajbmeb-1598	107	19	current	current	ADJ
ajbmeb-1598	107	20	accounts	account	NOUN
ajbmeb-1598	107	21	index	index	NOUN
ajbmeb-1598	107	22	,	,	PUNCT
ajbmeb-1598	107	23	which	which	PRON
ajbmeb-1598	107	24	affects	affect	VERB
ajbmeb-1598	107	25	the	the	DET
ajbmeb-1598	107	26	bank	bank	NOUN
ajbmeb-1598	107	27	’s	’s	PART
ajbmeb-1598	107	28	ability	ability	NOUN
ajbmeb-1598	107	29	to	to	PART
ajbmeb-1598	107	30	expand	expand	VERB
ajbmeb-1598	107	31	in	in	ADP
ajbmeb-1598	107	32	granting	grant	VERB
ajbmeb-1598	107	33	credit	credit	NOUN
ajbmeb-1598	107	34	and	and	CCONJ
ajbmeb-1598	107	35	increase	increase	VERB
ajbmeb-1598	107	36	investments	investment	NOUN
ajbmeb-1598	107	37	.	.	PUNCT
ajbmeb-1598	108	1	3	3	X
ajbmeb-1598	108	2	.	.	X
ajbmeb-1598	108	3	assyria	assyria	PROPN
ajbmeb-1598	108	4	international	international	PROPN
ajbmeb-1598	108	5	bank	bank	PROPN
ajbmeb-1598	108	6	outperformed	outperform	VERB
ajbmeb-1598	108	7	the	the	DET
ajbmeb-1598	108	8	banks	bank	NOUN
ajbmeb-1598	108	9	of	of	ADP
ajbmeb-1598	108	10	baghdad	baghdad	PROPN
ajbmeb-1598	108	11	and	and	CCONJ
ajbmeb-1598	108	12	across	across	ADP
ajbmeb-1598	108	13	iraq	iraq	PROPN
ajbmeb-1598	108	14	in	in	ADP
ajbmeb-1598	108	15	the	the	DET
ajbmeb-1598	108	16	indicators	indicator	NOUN
ajbmeb-1598	108	17	of	of	ADP
ajbmeb-1598	108	18	savings	saving	NOUN
ajbmeb-1598	108	19	accounts	account	NOUN
ajbmeb-1598	108	20	,	,	PUNCT
ajbmeb-1598	108	21	the	the	DET
ajbmeb-1598	108	22	index	index	NOUN
ajbmeb-1598	108	23	of	of	ADP
ajbmeb-1598	108	24	deposit	deposit	NOUN
ajbmeb-1598	108	25	accounts	account	NOUN
ajbmeb-1598	108	26	,	,	PUNCT
ajbmeb-1598	108	27	and	and	CCONJ
ajbmeb-1598	108	28	the	the	DET
ajbmeb-1598	108	29	index	index	NOUN
ajbmeb-1598	108	30	of	of	ADP
ajbmeb-1598	108	31	the	the	DET
ajbmeb-1598	108	32	number	number	NOUN
ajbmeb-1598	108	33	of	of	ADP
ajbmeb-1598	108	34	technological	technological	ADJ
ajbmeb-1598	108	35	techniques	technique	NOUN
ajbmeb-1598	108	36	directed	direct	VERB
ajbmeb-1598	108	37	at	at	ADP
ajbmeb-1598	108	38	customer	customer	NOUN
ajbmeb-1598	108	39	service	service	NOUN
ajbmeb-1598	108	40	,	,	PUNCT
ajbmeb-1598	108	41	which	which	PRON
ajbmeb-1598	108	42	indicates	indicate	VERB
ajbmeb-1598	108	43	that	that	SCONJ
ajbmeb-1598	108	44	the	the	DET
ajbmeb-1598	108	45	bank	bank	NOUN
ajbmeb-1598	108	46	has	have	AUX
ajbmeb-1598	108	47	taken	take	VERB
ajbmeb-1598	108	48	good	good	ADJ
ajbmeb-1598	108	49	steps	step	NOUN
ajbmeb-1598	108	50	in	in	ADP
ajbmeb-1598	108	51	improving	improve	VERB
ajbmeb-1598	108	52	these	these	DET
ajbmeb-1598	108	53	indicators	indicator	NOUN
ajbmeb-1598	108	54	and	and	CCONJ
ajbmeb-1598	108	55	gaining	gain	VERB
ajbmeb-1598	108	56	customer	customer	NOUN
ajbmeb-1598	108	57	loyalty	loyalty	NOUN
ajbmeb-1598	108	58	,	,	PUNCT
ajbmeb-1598	108	59	in	in	ADP
ajbmeb-1598	108	60	addition	addition	NOUN
ajbmeb-1598	108	61	to	to	ADP
ajbmeb-1598	108	62	its	its	PRON
ajbmeb-1598	108	63	advantage	advantage	NOUN
ajbmeb-1598	108	64	in	in	ADP
ajbmeb-1598	108	65	the	the	DET
ajbmeb-1598	108	66	indicator	indicator	NOUN
ajbmeb-1598	108	67	of	of	ADP
ajbmeb-1598	108	68	amounts	amount	NOUN
ajbmeb-1598	108	69	spent	spend	VERB
ajbmeb-1598	108	70	.	.	PUNCT
ajbmeb-1598	109	1	on	on	ADP
ajbmeb-1598	109	2	customer	customer	NOUN
ajbmeb-1598	109	3	services	service	NOUN
ajbmeb-1598	109	4	.	.	PUNCT
ajbmeb-1598	110	1	third	third	ADJ
ajbmeb-1598	110	2	:	:	PUNCT
ajbmeb-1598	110	3	recommendations	recommendation	NOUN
ajbmeb-1598	110	4	1	1	NUM
ajbmeb-1598	110	5	.	.	PUNCT
ajbmeb-1598	111	1	all	all	DET
ajbmeb-1598	111	2	banks	bank	NOUN
ajbmeb-1598	111	3	in	in	ADP
ajbmeb-1598	111	4	the	the	DET
ajbmeb-1598	111	5	study	study	NOUN
ajbmeb-1598	111	6	sample	sample	NOUN
ajbmeb-1598	111	7	are	be	AUX
ajbmeb-1598	111	8	required	require	VERB
ajbmeb-1598	111	9	to	to	PART
ajbmeb-1598	111	10	identify	identify	VERB
ajbmeb-1598	111	11	the	the	DET
ajbmeb-1598	111	12	causes	cause	NOUN
ajbmeb-1598	111	13	of	of	ADP
ajbmeb-1598	111	14	weakness	weakness	NOUN
ajbmeb-1598	111	15	in	in	ADP
ajbmeb-1598	111	16	the	the	DET
ajbmeb-1598	111	17	bank	bank	NOUN
ajbmeb-1598	111	18	value	value	NOUN
ajbmeb-1598	111	19	index	index	NOUN
ajbmeb-1598	111	20	with	with	ADP
ajbmeb-1598	111	21	the	the	DET
ajbmeb-1598	111	22	aim	aim	NOUN
ajbmeb-1598	111	23	of	of	ADP
ajbmeb-1598	111	24	making	make	VERB
ajbmeb-1598	111	25	investors	investor	NOUN
ajbmeb-1598	111	26	feel	feel	VERB
ajbmeb-1598	111	27	reassured	reassure	VERB
ajbmeb-1598	111	28	when	when	SCONJ
ajbmeb-1598	111	29	they	they	PRON
ajbmeb-1598	111	30	invest	invest	VERB
ajbmeb-1598	111	31	their	their	PRON
ajbmeb-1598	111	32	money	money	NOUN
ajbmeb-1598	111	33	in	in	ADP
ajbmeb-1598	111	34	these	these	DET
ajbmeb-1598	111	35	banks	bank	NOUN
ajbmeb-1598	111	36	.	.	PUNCT
ajbmeb-1598	112	1	2	2	X
ajbmeb-1598	112	2	.	.	X
ajbmeb-1598	112	3	the	the	DET
ajbmeb-1598	112	4	need	need	NOUN
ajbmeb-1598	112	5	for	for	ADP
ajbmeb-1598	112	6	trans	trans	PROPN
ajbmeb-1598	112	7	-	-	PROPN
ajbmeb-1598	112	8	iraq	iraq	PROPN
ajbmeb-1598	112	9	bank	bank	NOUN
ajbmeb-1598	112	10	to	to	PART
ajbmeb-1598	112	11	pay	pay	VERB
ajbmeb-1598	112	12	attention	attention	NOUN
ajbmeb-1598	112	13	to	to	ADP
ajbmeb-1598	112	14	the	the	DET
ajbmeb-1598	112	15	current	current	ADJ
ajbmeb-1598	112	16	accounts	account	NOUN
ajbmeb-1598	112	17	index	index	NOUN
ajbmeb-1598	112	18	because	because	SCONJ
ajbmeb-1598	112	19	this	this	PRON
ajbmeb-1598	112	20	affects	affect	VERB
ajbmeb-1598	112	21	increasing	increase	VERB
ajbmeb-1598	112	22	the	the	DET
ajbmeb-1598	112	23	bank	bank	NOUN
ajbmeb-1598	112	24	’s	’s	PART
ajbmeb-1598	112	25	ability	ability	NOUN
ajbmeb-1598	112	26	to	to	PART
ajbmeb-1598	112	27	expand	expand	VERB
ajbmeb-1598	112	28	in	in	ADP
ajbmeb-1598	112	29	granting	grant	VERB
ajbmeb-1598	112	30	credit	credit	NOUN
ajbmeb-1598	112	31	and	and	CCONJ
ajbmeb-1598	112	32	increasing	increase	VERB
ajbmeb-1598	112	33	investments	investment	NOUN
ajbmeb-1598	112	34	.	.	PUNCT
ajbmeb-1598	113	1	3	3	X
ajbmeb-1598	113	2	.	.	X
ajbmeb-1598	113	3	the	the	DET
ajbmeb-1598	113	4	banks	bank	NOUN
ajbmeb-1598	113	5	of	of	ADP
ajbmeb-1598	113	6	baghdad	baghdad	PROPN
ajbmeb-1598	113	7	and	and	CCONJ
ajbmeb-1598	113	8	across	across	ADP
ajbmeb-1598	113	9	iraq	iraq	PROPN
ajbmeb-1598	113	10	should	should	AUX
ajbmeb-1598	113	11	pay	pay	VERB
ajbmeb-1598	113	12	attention	attention	NOUN
ajbmeb-1598	113	13	to	to	ADP
ajbmeb-1598	113	14	the	the	DET
ajbmeb-1598	113	15	indicators	indicator	NOUN
ajbmeb-1598	113	16	of	of	ADP
ajbmeb-1598	113	17	savings	saving	NOUN
ajbmeb-1598	113	18	accounts	account	NOUN
ajbmeb-1598	113	19	,	,	PUNCT
ajbmeb-1598	113	20	the	the	DET
ajbmeb-1598	113	21	indicator	indicator	NOUN
ajbmeb-1598	113	22	of	of	ADP
ajbmeb-1598	113	23	deposit	deposit	NOUN
ajbmeb-1598	113	24	accounts	account	NOUN
ajbmeb-1598	113	25	,	,	PUNCT
ajbmeb-1598	113	26	and	and	CCONJ
ajbmeb-1598	113	27	the	the	DET
ajbmeb-1598	113	28	indicator	indicator	NOUN
ajbmeb-1598	113	29	of	of	ADP
ajbmeb-1598	113	30	the	the	DET
ajbmeb-1598	113	31	number	number	NOUN
ajbmeb-1598	113	32	of	of	ADP
ajbmeb-1598	113	33	technological	technological	ADJ
ajbmeb-1598	113	34	techniques	technique	NOUN
ajbmeb-1598	113	35	directed	direct	VERB
ajbmeb-1598	113	36	at	at	ADP
ajbmeb-1598	113	37	customer	customer	NOUN
ajbmeb-1598	113	38	service	service	NOUN
ajbmeb-1598	113	39	,	,	PUNCT
ajbmeb-1598	113	40	because	because	SCONJ
ajbmeb-1598	113	41	these	these	DET
ajbmeb-1598	113	42	indicators	indicator	NOUN
ajbmeb-1598	113	43	help	help	VERB
ajbmeb-1598	113	44	to	to	PART
ajbmeb-1598	113	45	gain	gain	VERB
ajbmeb-1598	113	46	customer	customer	NOUN
ajbmeb-1598	113	47	loyalty	loyalty	NOUN
ajbmeb-1598	113	48	,	,	PUNCT
ajbmeb-1598	113	49	in	in	ADP
ajbmeb-1598	113	50	addition	addition	NOUN
ajbmeb-1598	113	51	to	to	ADP
ajbmeb-1598	113	52	the	the	DET
ajbmeb-1598	113	53	preference	preference	NOUN
ajbmeb-1598	113	54	of	of	ADP
ajbmeb-1598	113	55	these	these	DET
ajbmeb-1598	113	56	indicators	indicator	NOUN
ajbmeb-1598	113	57	in	in	ADP
ajbmeb-1598	113	58	the	the	DET
ajbmeb-1598	113	59	indicator	indicator	NOUN
ajbmeb-1598	113	60	of	of	ADP
ajbmeb-1598	113	61	the	the	DET
ajbmeb-1598	113	62	amounts	amount	NOUN
ajbmeb-1598	113	63	spent	spend	VERB
ajbmeb-1598	113	64	on	on	ADP
ajbmeb-1598	113	65	customer	customer	NOUN
ajbmeb-1598	113	66	services	service	NOUN
ajbmeb-1598	113	67	.	.	PUNCT
ajbmeb-1598	114	1	references	reference	NOUN
ajbmeb-1598	114	2	1	1	NUM
ajbmeb-1598	114	3	.	.	PUNCT
ajbmeb-1598	114	4	annual	annual	ADJ
ajbmeb-1598	114	5	report	report	NOUN
ajbmeb-1598	114	6	of	of	ADP
ajbmeb-1598	114	7	assyria	assyria	PROPN
ajbmeb-1598	114	8	international	international	PROPN
ajbmeb-1598	114	9	bank	bank	PROPN
ajbmeb-1598	114	10	(	(	PUNCT
ajbmeb-1598	114	11	2017	2017	NUM
ajbmeb-1598	114	12	,	,	PUNCT
ajbmeb-1598	114	13	2018	2018	NUM
ajbmeb-1598	114	14	,	,	PUNCT
ajbmeb-1598	114	15	2019	2019	NUM
ajbmeb-1598	114	16	,	,	PUNCT
ajbmeb-1598	114	17	2020	2020	NUM
ajbmeb-1598	114	18	(	(	PUNCT
ajbmeb-1598	114	19	2	2	NUM
ajbmeb-1598	114	20	.	.	NUM
ajbmeb-1598	114	21	annual	annual	ADJ
ajbmeb-1598	114	22	report	report	NOUN
ajbmeb-1598	114	23	of	of	ADP
ajbmeb-1598	114	24	the	the	DET
ajbmeb-1598	114	25	bank	bank	NOUN
ajbmeb-1598	114	26	of	of	ADP
ajbmeb-1598	114	27	baghdad	baghdad	PROPN
ajbmeb-1598	114	28	(	(	PUNCT
ajbmeb-1598	114	29	2017	2017	NUM
ajbmeb-1598	114	30	,	,	PUNCT
ajbmeb-1598	114	31	2018	2018	NUM
ajbmeb-1598	114	32	,	,	PUNCT
ajbmeb-1598	114	33	2019	2019	NUM
ajbmeb-1598	114	34	,	,	PUNCT
ajbmeb-1598	114	35	2020	2020	NUM
ajbmeb-1598	114	36	(	(	PUNCT
ajbmeb-1598	114	37	3	3	X
ajbmeb-1598	114	38	.	.	X
ajbmeb-1598	114	39	trans	trans	PROPN
ajbmeb-1598	114	40	iraq	iraq	PROPN
ajbmeb-1598	114	41	bank	bank	PROPN
ajbmeb-1598	114	42	annual	annual	ADJ
ajbmeb-1598	114	43	report	report	NOUN
ajbmeb-1598	114	44	(	(	PUNCT
ajbmeb-1598	114	45	2017	2017	NUM
ajbmeb-1598	114	46	,	,	PUNCT
ajbmeb-1598	114	47	2018	2018	NUM
ajbmeb-1598	114	48	,	,	PUNCT
ajbmeb-1598	114	49	2019	2019	NUM
ajbmeb-1598	114	50	,	,	PUNCT
ajbmeb-1598	114	51	2020	2020	NUM
ajbmeb-1598	114	52	(	(	PUNCT
ajbmeb-1598	114	53	4	4	NUM
ajbmeb-1598	114	54	.	.	NOUN
ajbmeb-1598	114	55	standard	standard	ADJ
ajbmeb-1598	114	56	specification	specification	NOUN
ajbmeb-1598	114	57	iso	iso	PROPN
ajbmeb-1598	114	58	/	/	SYM
ajbmeb-1598	114	59	iec20000	iec20000	ADJ
ajbmeb-1598	114	60	,	,	PUNCT
ajbmeb-1598	114	61	requirements	requirement	NOUN
ajbmeb-1598	114	62	for	for	ADP
ajbmeb-1598	114	63	the	the	DET
ajbmeb-1598	114	64	development	development	NOUN
ajbmeb-1598	114	65	,	,	PUNCT
ajbmeb-1598	114	66	application	application	NOUN
ajbmeb-1598	114	67	and	and	CCONJ
ajbmeb-1598	114	68	management	management	NOUN
ajbmeb-1598	114	69	of	of	ADP
ajbmeb-1598	114	70	information	information	NOUN
ajbmeb-1598	114	71	technology	technology	NOUN
ajbmeb-1598	114	72	services	service	NOUN
ajbmeb-1598	114	73	,	,	PUNCT
ajbmeb-1598	114	74	2012	2012	NUM
ajbmeb-1598	114	75	.	.	PUNCT
ajbmeb-1598	115	1	5	5	X
ajbmeb-1598	115	2	.	.	X
ajbmeb-1598	115	3	iso	iso	PROPN
ajbmeb-1598	115	4	/	/	SYM
ajbmeb-1598	115	5	iec	iec	PROPN
ajbmeb-1598	115	6	38500	38500	NUM
ajbmeb-1598	115	7	,	,	PUNCT
ajbmeb-1598	115	8	it	it	PRON
ajbmeb-1598	115	9	governance	governance	NOUN
ajbmeb-1598	115	10	for	for	ADP
ajbmeb-1598	115	11	enterprises	enterprise	NOUN
ajbmeb-1598	115	12	,	,	PUNCT
ajbmeb-1598	115	13	2008	2008	NUM
ajbmeb-1598	115	14	.	.	PUNCT
ajbmeb-1598	116	1	6	6	NUM
ajbmeb-1598	116	2	.	.	X
ajbmeb-1598	116	3	information	information	NOUN
ajbmeb-1598	116	4	systems	system	NOUN
ajbmeb-1598	116	5	control	control	NOUN
ajbmeb-1598	116	6	and	and	CCONJ
ajbmeb-1598	116	7	audit	audit	NOUN
ajbmeb-1598	116	8	association	association	NOUN
ajbmeb-1598	116	9	(	(	PUNCT
ajbmeb-1598	116	10	isaca	isaca	PROPN
ajbmeb-1598	116	11	)	)	PUNCT
ajbmeb-1598	116	12	2019	2019	NUM
ajbmeb-1598	116	13	cobit	cobit	NOUN
ajbmeb-1598	116	14	,	,	PUNCT
ajbmeb-1598	116	15	2019	2019	NUM
ajbmeb-1598	116	16	enabling	enable	VERB
ajbmeb-1598	116	17	measures	measure	NOUN
ajbmeb-1598	116	18	framework	framework	NOUN
ajbmeb-1598	116	19	american	american	ADJ
ajbmeb-1598	116	20	journal	journal	PROPN
ajbmeb-1598	116	21	of	of	ADP
ajbmeb-1598	116	22	business	business	NOUN
ajbmeb-1598	116	23	management	management	NOUN
ajbmeb-1598	116	24	,	,	PUNCT
ajbmeb-1598	116	25	economics	economic	NOUN
ajbmeb-1598	116	26	and	and	CCONJ
ajbmeb-1598	116	27	banking	banking	NOUN
ajbmeb-1598	116	28	volume	volume	NOUN
ajbmeb-1598	116	29	19	19	NUM
ajbmeb-1598	116	30	december	december	PROPN
ajbmeb-1598	116	31	,	,	PUNCT
ajbmeb-1598	116	32	2023	2023	NUM
ajbmeb-1598	116	33	p	p	NOUN
ajbmeb-1598	116	34	a	a	DET
ajbmeb-1598	116	35	g	g	NOUN
ajbmeb-1598	116	36	e	e	NOUN
ajbmeb-1598	116	37	|	|	ADV
ajbmeb-1598	116	38	27	27	NUM
ajbmeb-1598	116	39	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1598	116	40	7	7	NUM
ajbmeb-1598	116	41	.	.	PUNCT
ajbmeb-1598	117	1	al	al	PROPN
ajbmeb-1598	117	2	-	-	PUNCT
ajbmeb-1598	117	3	qassar	qassar	PROPN
ajbmeb-1598	117	4	,	,	PUNCT
ajbmeb-1598	117	5	noha	noha	PROPN
ajbmeb-1598	117	6	,	,	PUNCT
ajbmeb-1598	117	7	(	(	PUNCT
ajbmeb-1598	117	8	2019	2019	NUM
ajbmeb-1598	117	9	)	)	PUNCT
ajbmeb-1598	117	10	,	,	PUNCT
ajbmeb-1598	117	11	“	"	PUNCT
ajbmeb-1598	117	12	evaluating	evaluate	VERB
ajbmeb-1598	117	13	the	the	DET
ajbmeb-1598	117	14	technical	technical	ADJ
ajbmeb-1598	117	15	structures	structure	NOUN
ajbmeb-1598	117	16	of	of	ADP
ajbmeb-1598	117	17	syrian	syrian	ADJ
ajbmeb-1598	117	18	banks	bank	NOUN
ajbmeb-1598	117	19	based	base	VERB
ajbmeb-1598	117	20	on	on	ADP
ajbmeb-1598	117	21	the	the	DET
ajbmeb-1598	117	22	cobit5	cobit5	NOUN
ajbmeb-1598	117	23	framework	framework	NOUN
ajbmeb-1598	117	24	,	,	PUNCT
ajbmeb-1598	117	25	”	"	PUNCT
ajbmeb-1598	117	26	a	a	DET
ajbmeb-1598	117	27	master	master	NOUN
ajbmeb-1598	117	28	’s	’s	PART
ajbmeb-1598	117	29	thesis	thesis	NOUN
ajbmeb-1598	117	30	published	publish	VERB
ajbmeb-1598	117	31	in	in	ADP
ajbmeb-1598	117	32	specialized	specialized	ADJ
ajbmeb-1598	117	33	technology	technology	NOUN
ajbmeb-1598	117	34	management	management	NOUN
ajbmeb-1598	117	35	pmtm	pmtm	NOUN
ajbmeb-1598	117	36	,	,	PUNCT
ajbmeb-1598	117	37	syrian	syrian	ADJ
ajbmeb-1598	117	38	virtual	virtual	ADJ
ajbmeb-1598	117	39	university	university	NOUN
ajbmeb-1598	117	40	,	,	PUNCT
ajbmeb-1598	117	41	syrian	syrian	PROPN
ajbmeb-1598	117	42	arab	arab	PROPN
ajbmeb-1598	117	43	republic	republic	PROPN
ajbmeb-1598	117	44	.	.	PUNCT
ajbmeb-1598	118	1	8	8	X
ajbmeb-1598	118	2	.	.	X
ajbmeb-1598	119	1	khalaf	khalaf	PROPN
ajbmeb-1598	119	2	,	,	PUNCT
ajbmeb-1598	119	3	sahar	sahar	PROPN
ajbmeb-1598	119	4	naji	naji	PROPN
ajbmeb-1598	119	5	,	,	PUNCT
ajbmeb-1598	119	6	ismail	ismail	PROPN
ajbmeb-1598	119	7	,	,	PUNCT
ajbmeb-1598	119	8	khalil	khalil	PROPN
ajbmeb-1598	119	9	ibrahim	ibrahim	PROPN
ajbmeb-1598	119	10	,	,	PUNCT
ajbmeb-1598	119	11	(	(	PUNCT
ajbmeb-1598	119	12	2020	2020	NUM
ajbmeb-1598	119	13	)	)	PUNCT
ajbmeb-1598	119	14	,	,	PUNCT
ajbmeb-1598	119	15	“	"	PUNCT
ajbmeb-1598	119	16	the	the	DET
ajbmeb-1598	119	17	impact	impact	NOUN
ajbmeb-1598	119	18	of	of	ADP
ajbmeb-1598	119	19	the	the	DET
ajbmeb-1598	119	20	sustainable	sustainable	ADJ
ajbmeb-1598	119	21	balanced	balanced	ADJ
ajbmeb-1598	119	22	scorecard	scorecard	NOUN
ajbmeb-1598	119	23	in	in	ADP
ajbmeb-1598	119	24	evaluating	evaluate	VERB
ajbmeb-1598	119	25	financial	financial	ADJ
ajbmeb-1598	119	26	and	and	CCONJ
ajbmeb-1598	119	27	accounting	accounting	NOUN
ajbmeb-1598	119	28	performance	performance	NOUN
ajbmeb-1598	119	29	an	an	DET
ajbmeb-1598	119	30	applied	apply	VERB
ajbmeb-1598	119	31	study	study	NOUN
ajbmeb-1598	119	32	in	in	ADP
ajbmeb-1598	119	33	the	the	DET
ajbmeb-1598	119	34	iraqi	iraqi	ADJ
ajbmeb-1598	119	35	investment	investment	NOUN
ajbmeb-1598	119	36	bank	bank	NOUN
ajbmeb-1598	119	37	,	,	PUNCT
ajbmeb-1598	119	38	”	"	PUNCT
ajbmeb-1598	119	39	journal	journal	NOUN
ajbmeb-1598	119	40	of	of	ADP
ajbmeb-1598	119	41	management	management	NOUN
ajbmeb-1598	119	42	and	and	CCONJ
ajbmeb-1598	119	43	economics	economic	NOUN
ajbmeb-1598	119	44	,	,	PUNCT
ajbmeb-1598	119	45	issue	issue	VERB
ajbmeb-1598	119	46	124	124	NUM
ajbmeb-1598	119	47	.	.	PUNCT
ajbmeb-1598	120	1	9	9	X
ajbmeb-1598	120	2	.	.	X
ajbmeb-1598	121	1	muhammad	muhammad	PROPN
ajbmeb-1598	121	2	,	,	PUNCT
ajbmeb-1598	121	3	abdul	abdul	PROPN
ajbmeb-1598	121	4	hussein	hussein	PROPN
ajbmeb-1598	121	5	jassim	jassim	PROPN
ajbmeb-1598	121	6	,	,	PUNCT
ajbmeb-1598	121	7	hussein	hussein	PROPN
ajbmeb-1598	121	8	,	,	PUNCT
ajbmeb-1598	121	9	muhammad	muhammad	X
ajbmeb-1598	121	10	(	(	PUNCT
ajbmeb-1598	121	11	2012	2012	NUM
ajbmeb-1598	121	12	)	)	PUNCT
ajbmeb-1598	121	13	evaluation	evaluation	NOUN
ajbmeb-1598	121	14	of	of	ADP
ajbmeb-1598	121	15	financial	financial	ADJ
ajbmeb-1598	121	16	performance	performance	NOUN
ajbmeb-1598	121	17	indicators	indicator	NOUN
ajbmeb-1598	121	18	of	of	ADP
ajbmeb-1598	121	19	commercial	commercial	ADJ
ajbmeb-1598	121	20	banks	bank	NOUN
ajbmeb-1598	121	21	,	,	PUNCT
ajbmeb-1598	121	22	comparative	comparative	ADJ
ajbmeb-1598	121	23	research	research	NOUN
ajbmeb-1598	121	24	for	for	ADP
ajbmeb-1598	121	25	a	a	DET
ajbmeb-1598	121	26	sample	sample	NOUN
ajbmeb-1598	121	27	of	of	ADP
ajbmeb-1598	121	28	iraqi	iraqi	ADJ
ajbmeb-1598	121	29	and	and	CCONJ
ajbmeb-1598	121	30	emirati	emirati	NOUN
ajbmeb-1598	121	31	commercial	commercial	ADJ
ajbmeb-1598	121	32	banks	bank	NOUN
ajbmeb-1598	121	33	for	for	ADP
ajbmeb-1598	121	34	the	the	DET
ajbmeb-1598	121	35	period	period	NOUN
ajbmeb-1598	121	36	(	(	PUNCT
ajbmeb-1598	121	37	2004	2004	NUM
ajbmeb-1598	121	38	-	-	SYM
ajbmeb-1598	121	39	2009	2009	NUM
ajbmeb-1598	121	40	.	.	PUNCT
ajbmeb-1598	121	41	)	)	PUNCT
ajbmeb-1598	122	1	10	10	NUM
ajbmeb-1598	122	2	.	.	PUNCT
ajbmeb-1598	123	1	mahmoud	mahmoud	PROPN
ajbmeb-1598	123	2	,	,	PUNCT
ajbmeb-1598	123	3	saddam	saddam	PROPN
ajbmeb-1598	123	4	muhammad	muhammad	PROPN
ajbmeb-1598	123	5	,	,	PUNCT
ajbmeb-1598	123	6	hussein	hussein	PROPN
ajbmeb-1598	123	7	,	,	PUNCT
ajbmeb-1598	123	8	ali	ali	PROPN
ajbmeb-1598	123	9	ibrahim	ibrahim	PROPN
ajbmeb-1598	123	10	,	,	PUNCT
ajbmeb-1598	123	11	hassoun	hassoun	PROPN
ajbmeb-1598	123	12	,	,	PUNCT
ajbmeb-1598	123	13	laith	laith	PROPN
ajbmeb-1598	123	14	noman	noman	PROPN
ajbmeb-1598	123	15	,	,	PUNCT
ajbmeb-1598	123	16	(	(	PUNCT
ajbmeb-1598	123	17	2012	2012	NUM
ajbmeb-1598	123	18	)	)	PUNCT
ajbmeb-1598	123	19	,	,	PUNCT
ajbmeb-1598	123	20	“	"	PUNCT
ajbmeb-1598	123	21	the	the	DET
ajbmeb-1598	123	22	accounting	accounting	NOUN
ajbmeb-1598	123	23	use	use	NOUN
ajbmeb-1598	123	24	of	of	ADP
ajbmeb-1598	123	25	benchmarking	benchmarke	VERB
ajbmeb-1598	123	26	by	by	ADP
ajbmeb-1598	123	27	adopting	adopt	VERB
ajbmeb-1598	123	28	financial	financial	ADJ
ajbmeb-1598	123	29	ratios	ratio	NOUN
ajbmeb-1598	123	30	and	and	CCONJ
ajbmeb-1598	123	31	the	the	DET
ajbmeb-1598	123	32	balanced	balanced	ADJ
ajbmeb-1598	123	33	scorecard	scorecard	NOUN
ajbmeb-1598	123	34	as	as	ADP
ajbmeb-1598	123	35	tools	tool	NOUN
ajbmeb-1598	123	36	in	in	ADP
ajbmeb-1598	123	37	evaluating	evaluate	VERB
ajbmeb-1598	123	38	the	the	DET
ajbmeb-1598	123	39	financial	financial	ADJ
ajbmeb-1598	123	40	performance	performance	NOUN
ajbmeb-1598	123	41	of	of	ADP
ajbmeb-1598	123	42	banks	bank	NOUN
ajbmeb-1598	123	43	,	,	PUNCT
ajbmeb-1598	123	44	”	"	PUNCT
ajbmeb-1598	123	45	an	an	DET
ajbmeb-1598	123	46	applied	apply	VERB
ajbmeb-1598	123	47	study	study	NOUN
ajbmeb-1598	123	48	in	in	ADP
ajbmeb-1598	123	49	the	the	DET
ajbmeb-1598	123	50	mosul	mosul	PROPN
ajbmeb-1598	123	51	bank	bank	PROPN
ajbmeb-1598	123	52	for	for	ADP
ajbmeb-1598	123	53	development	development	NOUN
ajbmeb-1598	123	54	and	and	CCONJ
ajbmeb-1598	123	55	investment	investment	NOUN
ajbmeb-1598	123	56	,	,	PUNCT
ajbmeb-1598	123	57	volume	volume	NOUN
ajbmeb-1598	123	58	35	35	NUM
ajbmeb-1598	123	59	,	,	PUNCT
ajbmeb-1598	123	60	issue	issue	NOUN
ajbmeb-1598	123	61	113	113	NUM
ajbmeb-1598	123	62	.	.	PUNCT
ajbmeb-1598	124	1	11	11	NUM
ajbmeb-1598	124	2	.	.	PUNCT
ajbmeb-1598	125	1	anderson	anderson	PROPN
ajbmeb-1598	125	2	,	,	PUNCT
ajbmeb-1598	125	3	e.	e.	PROPN
ajbmeb-1598	125	4	w.	w.	PROPN
ajbmeb-1598	125	5	,	,	PUNCT
ajbmeb-1598	125	6	fornell	fornell	PROPN
ajbmeb-1598	125	7	,	,	PUNCT
ajbmeb-1598	125	8	c.	c.	PROPN
ajbmeb-1598	125	9	,	,	PUNCT
ajbmeb-1598	125	10	&	&	CCONJ
ajbmeb-1598	125	11	rust	rust	PROPN
ajbmeb-1598	125	12	,	,	PUNCT
ajbmeb-1598	125	13	r.	r.	PROPN
ajbmeb-1598	125	14	t.	t.	PROPN
ajbmeb-1598	125	15	(	(	PUNCT
ajbmeb-1598	125	16	1997	1997	NUM
ajbmeb-1598	125	17	)	)	PUNCT
ajbmeb-1598	125	18	.	.	PUNCT
ajbmeb-1598	126	1	customer	customer	NOUN
ajbmeb-1598	126	2	satisfaction	satisfaction	NOUN
ajbmeb-1598	126	3	,	,	PUNCT
ajbmeb-1598	126	4	productivity	productivity	NOUN
ajbmeb-1598	126	5	,	,	PUNCT
ajbmeb-1598	126	6	and	and	CCONJ
ajbmeb-1598	126	7	profitability	profitability	NOUN
ajbmeb-1598	126	8	:	:	PUNCT
ajbmeb-1598	126	9	differences	difference	NOUN
ajbmeb-1598	126	10	between	between	ADP
ajbmeb-1598	126	11	goods	good	NOUN
ajbmeb-1598	126	12	and	and	CCONJ
ajbmeb-1598	126	13	services	service	NOUN
ajbmeb-1598	126	14	.	.	PUNCT
ajbmeb-1598	127	1	marketing	marketing	NOUN
ajbmeb-1598	127	2	science	science	NOUN
ajbmeb-1598	127	3	,	,	PUNCT
ajbmeb-1598	127	4	16(2	16(2	NUM
ajbmeb-1598	127	5	)	)	PUNCT
ajbmeb-1598	127	6	,	,	PUNCT
ajbmeb-1598	127	7	129	129	NUM
ajbmeb-1598	127	8	-	-	SYM
ajbmeb-1598	127	9	145	145	NUM
ajbmeb-1598	127	10	12	12	NUM
ajbmeb-1598	127	11	.	.	PUNCT
ajbmeb-1598	128	1	hansen	hansen	PROPN
ajbmeb-1598	128	2	&	&	CCONJ
ajbmeb-1598	128	3	mowen	mowen	PROPN
ajbmeb-1598	128	4	,	,	PUNCT
ajbmeb-1598	128	5	maryanna	maryanna	NOUN
ajbmeb-1598	128	6	,	,	PUNCT
ajbmeb-1598	128	7	(	(	PUNCT
ajbmeb-1598	128	8	management	management	NOUN
ajbmeb-1598	128	9	accounting	accounting	NOUN
ajbmeb-1598	128	10	)	)	PUNCT
ajbmeb-1598	128	11	,	,	PUNCT
ajbmeb-1598	128	12	6th	6th	ADJ
ajbmeb-1598	128	13	ed	ed	NOUN
ajbmeb-1598	128	14	,	,	PUNCT
ajbmeb-1598	128	15	south	south	ADJ
ajbmeb-1598	128	16	western	western	ADJ
ajbmeb-1598	128	17	,	,	PUNCT
ajbmeb-1598	128	18	u.s.a	u.s.a	PROPN
ajbmeb-1598	128	19	.	.	PROPN
ajbmeb-1598	128	20	,	,	PUNCT
ajbmeb-1598	128	21	2003	2003	NUM
ajbmeb-1598	128	22	.	.	PUNCT
ajbmeb-1598	129	1	13	13	NUM
ajbmeb-1598	129	2	.	.	PUNCT
ajbmeb-1598	129	3	kalender	kalender	PROPN
ajbmeb-1598	129	4	,	,	PUNCT
ajbmeb-1598	129	5	z.	z.	PROPN
ajbmeb-1598	129	6	t.	t.	PROPN
ajbmeb-1598	129	7	,	,	PUNCT
ajbmeb-1598	129	8	&	&	CCONJ
ajbmeb-1598	129	9	vayvay	vayvay	NOUN
ajbmeb-1598	129	10	,	,	PUNCT
ajbmeb-1598	129	11	ö.	ö.	PROPN
ajbmeb-1598	129	12	(	(	PUNCT
ajbmeb-1598	129	13	2016	2016	NUM
ajbmeb-1598	129	14	)	)	PUNCT
ajbmeb-1598	129	15	.	.	PUNCT
ajbmeb-1598	130	1	the	the	DET
ajbmeb-1598	130	2	fifth	fifth	ADJ
ajbmeb-1598	130	3	pillar	pillar	NOUN
ajbmeb-1598	130	4	of	of	ADP
ajbmeb-1598	130	5	the	the	DET
ajbmeb-1598	130	6	balanced	balanced	ADJ
ajbmeb-1598	130	7	scorecard	scorecard	NOUN
ajbmeb-1598	130	8	:	:	PUNCT
ajbmeb-1598	130	9	sustainability	sustainability	NOUN
ajbmeb-1598	130	10	.	.	PUNCT
ajbmeb-1598	131	1	procedia	procedia	NOUN
ajbmeb-1598	131	2	-	-	PUNCT
ajbmeb-1598	131	3	social	social	ADJ
ajbmeb-1598	131	4	and	and	CCONJ
ajbmeb-1598	131	5	behavioral	behavioral	ADJ
ajbmeb-1598	131	6	sciences	science	NOUN
ajbmeb-1598	131	7	,	,	PUNCT
ajbmeb-1598	131	8	235	235	NUM
ajbmeb-1598	131	9	,	,	PUNCT
ajbmeb-1598	131	10	76	76	NUM
ajbmeb-1598	131	11	-	-	SYM
ajbmeb-1598	131	12	83	83	NUM
ajbmeb-1598	131	13	.	.	PUNCT
ajbmeb-1598	132	1	14	14	NUM
ajbmeb-1598	132	2	.	.	PUNCT
ajbmeb-1598	133	1	kaplan	kaplan	PROPN
ajbmeb-1598	133	2	,	,	PUNCT
ajbmeb-1598	133	3	r.	r.	PROPN
ajbmeb-1598	133	4	s.	s.	PROPN
ajbmeb-1598	133	5	,	,	PUNCT
ajbmeb-1598	133	6	&	&	CCONJ
ajbmeb-1598	133	7	norton	norton	PROPN
ajbmeb-1598	133	8	,	,	PUNCT
ajbmeb-1598	133	9	d.	d.	PROPN
ajbmeb-1598	133	10	p.	p.	PROPN
ajbmeb-1598	133	11	(	(	PUNCT
ajbmeb-1598	133	12	1999	1999	NUM
ajbmeb-1598	133	13	)	)	PUNCT
ajbmeb-1598	133	14	.	.	PUNCT
ajbmeb-1598	134	1	the	the	DET
ajbmeb-1598	134	2	balanced	balanced	ADJ
ajbmeb-1598	134	3	scorecard	scorecard	NOUN
ajbmeb-1598	134	4	for	for	ADP
ajbmeb-1598	134	5	public	public	ADJ
ajbmeb-1598	134	6	-	-	PUNCT
ajbmeb-1598	134	7	sector	sector	NOUN
ajbmeb-1598	134	8	organizations	organization	NOUN
ajbmeb-1598	134	9	,	,	PUNCT
ajbmeb-1598	134	10	balanced	balanced	ADJ
ajbmeb-1598	134	11	scorecard	scorecard	NOUN
ajbmeb-1598	134	12	collative	collative	ADJ
ajbmeb-1598	134	13	.	.	PUNCT