id	sid	tid	token	lemma	pos
ajbmeb-1884	1	1	american	american	PROPN
ajbmeb-1884	1	2	journal	journal	PROPN
ajbmeb-1884	1	3	of	of	ADP
ajbmeb-1884	1	4	business	business	NOUN
ajbmeb-1884	1	5	management	management	NOUN
ajbmeb-1884	1	6	,	,	PUNCT
ajbmeb-1884	1	7	economics	economic	NOUN
ajbmeb-1884	1	8	and	and	CCONJ
ajbmeb-1884	1	9	banking	banking	NOUN
ajbmeb-1884	1	10	issn	issn	PROPN
ajbmeb-1884	1	11	(	(	PUNCT
ajbmeb-1884	1	12	e	e	NOUN
ajbmeb-1884	1	13	):	):	PUNCT
ajbmeb-1884	1	14	2832	2832	NUM
ajbmeb-1884	1	15	-	-	SYM
ajbmeb-1884	1	16	8078	8078	NUM
ajbmeb-1884	1	17	volume	volume	NOUN
ajbmeb-1884	1	18	21	21	NUM
ajbmeb-1884	1	19	,	,	PUNCT
ajbmeb-1884	1	20	|	|	ADV
ajbmeb-1884	1	21	february	february	PROPN
ajbmeb-1884	1	22	,	,	PUNCT
ajbmeb-1884	1	23	2024	2024	NUM
ajbmeb-1884	1	24	p	p	NOUN
ajbmeb-1884	1	25	a	a	PRON
ajbmeb-1884	1	26	g	g	NOUN
ajbmeb-1884	1	27	e	e	NOUN
ajbmeb-1884	2	1	|	|	ADV
ajbmeb-1884	2	2	77	77	NUM
ajbmeb-1884	2	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	2	4	the	the	DET
ajbmeb-1884	2	5	impact	impact	NOUN
ajbmeb-1884	2	6	of	of	ADP
ajbmeb-1884	2	7	bank	bank	NOUN
ajbmeb-1884	2	8	governance	governance	NOUN
ajbmeb-1884	2	9	in	in	ADP
ajbmeb-1884	2	10	light	light	NOUN
ajbmeb-1884	2	11	of	of	ADP
ajbmeb-1884	2	12	financial	financial	ADJ
ajbmeb-1884	2	13	and	and	CCONJ
ajbmeb-1884	2	14	economic	economic	ADJ
ajbmeb-1884	2	15	crisesan	crisesan	ADJ
ajbmeb-1884	2	16	applied	apply	VERB
ajbmeb-1884	2	17	study	study	NOUN
ajbmeb-1884	2	18	in	in	ADP
ajbmeb-1884	2	19	the	the	DET
ajbmeb-1884	2	20	iraqi	iraqi	ADJ
ajbmeb-1884	2	21	middle	middle	PROPN
ajbmeb-1884	2	22	east	east	PROPN
ajbmeb-1884	2	23	investment	investment	PROPN
ajbmeb-1884	2	24	bank	bank	PROPN
ajbmeb-1884	2	25	–	–	PUNCT
ajbmeb-1884	2	26	baghdad	baghdad	PROPN
ajbmeb-1884	2	27	assistant	assistant	NOUN
ajbmeb-1884	2	28	prof	prof	NOUN
ajbmeb-1884	2	29	jasim	jasim	NOUN
ajbmeb-1884	2	30	.	.	PUNCT
ajbmeb-1884	3	1	m	m	PROPN
ajbmeb-1884	3	2	,	,	PUNCT
ajbmeb-1884	3	3	doai	doai	PROPN
ajbmeb-1884	3	4	al	al	PROPN
ajbmeb-1884	3	5	-	-	PUNCT
ajbmeb-1884	3	6	esraa	esraa	PROPN
ajbmeb-1884	3	7	university	university	PROPN
ajbmeb-1884	3	8	jasim_mashatat@yhoo.com	jasim_mashatat@yhoo.com	PROPN
ajbmeb-1884	3	9	assistant	assistant	PROPN
ajbmeb-1884	3	10	lecturer	lecturer	PROPN
ajbmeb-1884	3	11	,	,	PUNCT
ajbmeb-1884	3	12	hanan	hanan	PROPN
ajbmeb-1884	3	13	jumaa	jumaa	PROPN
ajbmeb-1884	3	14	hanzal	hanzal	PROPN
ajbmeb-1884	3	15	imam	imam	PROPN
ajbmeb-1884	3	16	ja'afar	ja'afar	PROPN
ajbmeb-1884	3	17	al	al	PROPN
ajbmeb-1884	3	18	-	-	PUNCT
ajbmeb-1884	3	19	sadiq	sadiq	PROPN
ajbmeb-1884	3	20	university	university	PROPN
ajbmeb-1884	3	21	(	(	PUNCT
ajbmeb-1884	3	22	peace	peace	NOUN
ajbmeb-1884	3	23	be	be	AUX
ajbmeb-1884	3	24	upon	upon	SCONJ
ajbmeb-1884	3	25	him	he	PRON
ajbmeb-1884	3	26	)	)	PUNCT
ajbmeb-1884	3	27	college	college	NOUN
ajbmeb-1884	3	28	of	of	ADP
ajbmeb-1884	3	29	administrative	administrative	ADJ
ajbmeb-1884	3	30	and	and	CCONJ
ajbmeb-1884	3	31	financial	financial	ADJ
ajbmeb-1884	3	32	sciences	science	NOUN
ajbmeb-1884	3	33	hanan_jumaa@sadiq.edu.iq	hanan_jumaa@sadiq.edu.iq	VERB
ajbmeb-1884	3	34	a	a	DET
ajbmeb-1884	3	35	b	b	PROPN
ajbmeb-1884	3	36	s	s	ADP
ajbmeb-1884	3	37	t	t	PROPN
ajbmeb-1884	3	38	r	r	NOUN
ajbmeb-1884	3	39	a	a	DET
ajbmeb-1884	3	40	c	c	NOUN
ajbmeb-1884	3	41	t	t	NOUN
ajbmeb-1884	3	42	k	k	X
ajbmeb-1884	3	43	e	e	PROPN
ajbmeb-1884	3	44	y	y	PROPN
ajbmeb-1884	3	45	w	w	NOUN
ajbmeb-1884	3	46	o	o	NOUN
ajbmeb-1884	3	47	r	r	NOUN
ajbmeb-1884	3	48	d	d	PROPN
ajbmeb-1884	3	49	s	s	PART
ajbmeb-1884	3	50	government	government	NOUN
ajbmeb-1884	3	51	banking	banking	NOUN
ajbmeb-1884	3	52	is	be	AUX
ajbmeb-1884	3	53	receiving	receive	VERB
ajbmeb-1884	3	54	increasing	increase	VERB
ajbmeb-1884	3	55	attention	attention	NOUN
ajbmeb-1884	3	56	from	from	ADP
ajbmeb-1884	3	57	financial	financial	ADJ
ajbmeb-1884	3	58	institutions	institution	NOUN
ajbmeb-1884	3	59	in	in	ADP
ajbmeb-1884	3	60	all	all	DET
ajbmeb-1884	3	61	countries	country	NOUN
ajbmeb-1884	3	62	due	due	ADP
ajbmeb-1884	3	63	to	to	ADP
ajbmeb-1884	3	64	its	its	PRON
ajbmeb-1884	3	65	crucial	crucial	ADJ
ajbmeb-1884	3	66	role	role	NOUN
ajbmeb-1884	3	67	in	in	ADP
ajbmeb-1884	3	68	avoiding	avoid	VERB
ajbmeb-1884	3	69	the	the	DET
ajbmeb-1884	3	70	risks	risk	NOUN
ajbmeb-1884	3	71	of	of	ADP
ajbmeb-1884	3	72	financial	financial	ADJ
ajbmeb-1884	3	73	and	and	CCONJ
ajbmeb-1884	3	74	economic	economic	ADJ
ajbmeb-1884	3	75	crises	crisis	NOUN
ajbmeb-1884	3	76	.	.	PUNCT
ajbmeb-1884	4	1	in	in	ADP
ajbmeb-1884	4	2	light	light	NOUN
ajbmeb-1884	4	3	of	of	ADP
ajbmeb-1884	4	4	this	this	PRON
ajbmeb-1884	4	5	,	,	PUNCT
ajbmeb-1884	4	6	the	the	DET
ajbmeb-1884	4	7	research	research	NOUN
ajbmeb-1884	4	8	aims	aim	VERB
ajbmeb-1884	4	9	to	to	PART
ajbmeb-1884	4	10	measure	measure	VERB
ajbmeb-1884	4	11	governance	governance	NOUN
ajbmeb-1884	4	12	variables	variable	NOUN
ajbmeb-1884	4	13	in	in	ADP
ajbmeb-1884	4	14	the	the	DET
ajbmeb-1884	4	15	face	face	NOUN
ajbmeb-1884	4	16	of	of	ADP
ajbmeb-1884	4	17	these	these	DET
ajbmeb-1884	4	18	crises	crisis	NOUN
ajbmeb-1884	4	19	,	,	PUNCT
ajbmeb-1884	4	20	as	as	SCONJ
ajbmeb-1884	4	21	the	the	DET
ajbmeb-1884	4	22	iraqi	iraqi	ADJ
ajbmeb-1884	4	23	middle	middle	PROPN
ajbmeb-1884	4	24	east	east	PROPN
ajbmeb-1884	4	25	investment	investment	PROPN
ajbmeb-1884	4	26	bank	bank	PROPN
ajbmeb-1884	4	27	and	and	CCONJ
ajbmeb-1884	4	28	the	the	DET
ajbmeb-1884	4	29	bank	bank	NOUN
ajbmeb-1884	4	30	of	of	ADP
ajbmeb-1884	4	31	baghdad	baghdad	PROPN
ajbmeb-1884	4	32	tested	test	VERB
ajbmeb-1884	4	33	a	a	DET
ajbmeb-1884	4	34	research	research	NOUN
ajbmeb-1884	4	35	model	model	NOUN
ajbmeb-1884	4	36	,	,	PUNCT
ajbmeb-1884	4	37	and	and	CCONJ
ajbmeb-1884	4	38	this	this	PRON
ajbmeb-1884	4	39	was	be	AUX
ajbmeb-1884	4	40	tested	test	VERB
ajbmeb-1884	4	41	through	through	ADP
ajbmeb-1884	4	42	two	two	NUM
ajbmeb-1884	4	43	hypotheses	hypothesis	NOUN
ajbmeb-1884	4	44	,	,	PUNCT
ajbmeb-1884	4	45	as	as	SCONJ
ajbmeb-1884	4	46	several	several	ADJ
ajbmeb-1884	4	47	statistical	statistical	ADJ
ajbmeb-1884	4	48	methods	method	NOUN
ajbmeb-1884	4	49	were	be	AUX
ajbmeb-1884	4	50	used	use	VERB
ajbmeb-1884	4	51	,	,	PUNCT
ajbmeb-1884	4	52	including	include	VERB
ajbmeb-1884	4	53	descriptive	descriptive	ADJ
ajbmeb-1884	4	54	statistics	statistic	NOUN
ajbmeb-1884	4	55	for	for	ADP
ajbmeb-1884	4	56	the	the	DET
ajbmeb-1884	4	57	arithmetic	arithmetic	ADJ
ajbmeb-1884	4	58	mean	mean	NOUN
ajbmeb-1884	4	59	and	and	CCONJ
ajbmeb-1884	4	60	standard	standard	ADJ
ajbmeb-1884	4	61	deviation	deviation	NOUN
ajbmeb-1884	4	62	.	.	PUNCT
ajbmeb-1884	5	1	a	a	DET
ajbmeb-1884	5	2	set	set	NOUN
ajbmeb-1884	5	3	of	of	ADP
ajbmeb-1884	5	4	conclusions	conclusion	NOUN
ajbmeb-1884	5	5	were	be	AUX
ajbmeb-1884	5	6	reached	reach	VERB
ajbmeb-1884	5	7	,	,	PUNCT
ajbmeb-1884	5	8	including	include	VERB
ajbmeb-1884	5	9	there	there	PRON
ajbmeb-1884	5	10	is	be	VERB
ajbmeb-1884	5	11	a	a	DET
ajbmeb-1884	5	12	clear	clear	ADJ
ajbmeb-1884	5	13	interest	interest	NOUN
ajbmeb-1884	5	14	on	on	ADP
ajbmeb-1884	5	15	the	the	DET
ajbmeb-1884	5	16	part	part	NOUN
ajbmeb-1884	5	17	of	of	ADP
ajbmeb-1884	5	18	the	the	DET
ajbmeb-1884	5	19	bank	bank	NOUN
ajbmeb-1884	5	20	under	under	ADP
ajbmeb-1884	5	21	discussion	discussion	NOUN
ajbmeb-1884	5	22	in	in	ADP
ajbmeb-1884	5	23	applying	apply	VERB
ajbmeb-1884	5	24	the	the	DET
ajbmeb-1884	5	25	foundations	foundation	NOUN
ajbmeb-1884	5	26	,	,	PUNCT
ajbmeb-1884	5	27	principles	principle	NOUN
ajbmeb-1884	5	28	and	and	CCONJ
ajbmeb-1884	5	29	standards	standard	NOUN
ajbmeb-1884	5	30	of	of	ADP
ajbmeb-1884	5	31	governance	governance	NOUN
ajbmeb-1884	5	32	,	,	PUNCT
ajbmeb-1884	5	33	as	as	SCONJ
ajbmeb-1884	5	34	they	they	PRON
ajbmeb-1884	5	35	are	be	AUX
ajbmeb-1884	5	36	a	a	DET
ajbmeb-1884	5	37	guarantee	guarantee	NOUN
ajbmeb-1884	5	38	characterized	characterize	VERB
ajbmeb-1884	5	39	by	by	ADP
ajbmeb-1884	5	40	transparency	transparency	NOUN
ajbmeb-1884	5	41	.	.	PUNCT
ajbmeb-1884	6	1	accordingly	accordingly	ADV
ajbmeb-1884	6	2	,	,	PUNCT
ajbmeb-1884	6	3	recommendations	recommendation	NOUN
ajbmeb-1884	6	4	were	be	AUX
ajbmeb-1884	6	5	presented	present	VERB
ajbmeb-1884	6	6	,	,	PUNCT
ajbmeb-1884	6	7	including	include	VERB
ajbmeb-1884	6	8	the	the	DET
ajbmeb-1884	6	9	importance	importance	NOUN
ajbmeb-1884	6	10	of	of	ADP
ajbmeb-1884	6	11	taking	take	VERB
ajbmeb-1884	6	12	sound	sound	ADJ
ajbmeb-1884	6	13	financial	financial	ADJ
ajbmeb-1884	6	14	and	and	CCONJ
ajbmeb-1884	6	15	administrative	administrative	ADJ
ajbmeb-1884	6	16	measures	measure	NOUN
ajbmeb-1884	6	17	to	to	PART
ajbmeb-1884	6	18	confront	confront	VERB
ajbmeb-1884	6	19	financial	financial	ADJ
ajbmeb-1884	6	20	and	and	CCONJ
ajbmeb-1884	6	21	economic	economic	ADJ
ajbmeb-1884	6	22	crises	crisis	NOUN
ajbmeb-1884	6	23	,	,	PUNCT
ajbmeb-1884	6	24	including	include	VERB
ajbmeb-1884	6	25	practicing	practice	VERB
ajbmeb-1884	6	26	basic	basic	ADJ
ajbmeb-1884	6	27	activities	activity	NOUN
ajbmeb-1884	6	28	in	in	ADP
ajbmeb-1884	6	29	work	work	NOUN
ajbmeb-1884	6	30	and	and	CCONJ
ajbmeb-1884	6	31	avoiding	avoid	VERB
ajbmeb-1884	6	32	activities	activity	NOUN
ajbmeb-1884	6	33	(	(	PUNCT
ajbmeb-1884	6	34	buying	buying	NOUN
ajbmeb-1884	6	35	,	,	PUNCT
ajbmeb-1884	6	36	selling	selling	NOUN
ajbmeb-1884	6	37	,	,	PUNCT
ajbmeb-1884	6	38	mortgage	mortgage	NOUN
ajbmeb-1884	6	39	,	,	PUNCT
ajbmeb-1884	6	40	etc	etc	X
ajbmeb-1884	6	41	.	.	X
ajbmeb-1884	6	42	governance	governance	NOUN
ajbmeb-1884	6	43	,	,	PUNCT
ajbmeb-1884	6	44	financial	financial	ADJ
ajbmeb-1884	6	45	and	and	CCONJ
ajbmeb-1884	6	46	economic	economic	ADJ
ajbmeb-1884	6	47	crises	crisis	NOUN
ajbmeb-1884	6	48	.	.	PUNCT
ajbmeb-1884	7	1	introduction	introduction	NOUN
ajbmeb-1884	7	2	research	research	NOUN
ajbmeb-1884	7	3	importance	importance	NOUN
ajbmeb-1884	7	4	the	the	DET
ajbmeb-1884	7	5	importance	importance	NOUN
ajbmeb-1884	7	6	of	of	ADP
ajbmeb-1884	7	7	the	the	DET
ajbmeb-1884	7	8	research	research	NOUN
ajbmeb-1884	7	9	comes	come	VERB
ajbmeb-1884	7	10	as	as	SCONJ
ajbmeb-1884	7	11	follows	follow	VERB
ajbmeb-1884	7	12	:	:	PUNCT
ajbmeb-1884	7	13	1	1	X
ajbmeb-1884	7	14	.	.	X
ajbmeb-1884	7	15	the	the	DET
ajbmeb-1884	7	16	importance	importance	NOUN
ajbmeb-1884	7	17	of	of	ADP
ajbmeb-1884	7	18	the	the	DET
ajbmeb-1884	7	19	bank	bank	NOUN
ajbmeb-1884	7	20	under	under	ADP
ajbmeb-1884	7	21	study	study	NOUN
ajbmeb-1884	7	22	and	and	CCONJ
ajbmeb-1884	7	23	other	other	ADJ
ajbmeb-1884	7	24	banks	bank	NOUN
ajbmeb-1884	7	25	applying	apply	VERB
ajbmeb-1884	7	26	governance	governance	NOUN
ajbmeb-1884	7	27	principles	principle	NOUN
ajbmeb-1884	7	28	and	and	CCONJ
ajbmeb-1884	7	29	standards	standard	NOUN
ajbmeb-1884	7	30	as	as	SCONJ
ajbmeb-1884	7	31	it	it	PRON
ajbmeb-1884	7	32	is	be	AUX
ajbmeb-1884	7	33	a	a	DET
ajbmeb-1884	7	34	precautionary	precautionary	ADJ
ajbmeb-1884	7	35	step	step	NOUN
ajbmeb-1884	7	36	to	to	PART
ajbmeb-1884	7	37	confront	confront	VERB
ajbmeb-1884	7	38	crises	crisis	NOUN
ajbmeb-1884	7	39	before	before	SCONJ
ajbmeb-1884	7	40	they	they	PRON
ajbmeb-1884	7	41	occur	occur	VERB
ajbmeb-1884	7	42	.	.	PUNCT
ajbmeb-1884	8	1	2	2	X
ajbmeb-1884	8	2	.	.	X
ajbmeb-1884	8	3	adopting	adopt	VERB
ajbmeb-1884	8	4	the	the	DET
ajbmeb-1884	8	5	foundations	foundation	NOUN
ajbmeb-1884	8	6	,	,	PUNCT
ajbmeb-1884	8	7	principles	principle	NOUN
ajbmeb-1884	8	8	and	and	CCONJ
ajbmeb-1884	8	9	standards	standard	NOUN
ajbmeb-1884	8	10	of	of	ADP
ajbmeb-1884	8	11	governance	governance	NOUN
ajbmeb-1884	8	12	in	in	ADP
ajbmeb-1884	8	13	financial	financial	ADJ
ajbmeb-1884	8	14	and	and	CCONJ
ajbmeb-1884	8	15	banking	banking	NOUN
ajbmeb-1884	8	16	institutions	institution	NOUN
ajbmeb-1884	8	17	,	,	PUNCT
ajbmeb-1884	8	18	including	include	VERB
ajbmeb-1884	8	19	the	the	DET
ajbmeb-1884	8	20	bank	bank	NOUN
ajbmeb-1884	8	21	under	under	ADP
ajbmeb-1884	8	22	study	study	NOUN
ajbmeb-1884	8	23	,	,	PUNCT
ajbmeb-1884	8	24	makes	make	VERB
ajbmeb-1884	8	25	ethical	ethical	ADJ
ajbmeb-1884	8	26	and	and	CCONJ
ajbmeb-1884	8	27	legal	legal	ADJ
ajbmeb-1884	8	28	banking	banking	NOUN
ajbmeb-1884	8	29	transactions	transaction	NOUN
ajbmeb-1884	8	30	subject	subject	ADJ
ajbmeb-1884	8	31	to	to	ADP
ajbmeb-1884	8	32	continuous	continuous	ADJ
ajbmeb-1884	8	33	and	and	CCONJ
ajbmeb-1884	8	34	fair	fair	ADJ
ajbmeb-1884	8	35	oversight	oversight	NOUN
ajbmeb-1884	8	36	.	.	PUNCT
ajbmeb-1884	9	1	american	american	ADJ
ajbmeb-1884	9	2	journal	journal	PROPN
ajbmeb-1884	9	3	of	of	ADP
ajbmeb-1884	9	4	business	business	NOUN
ajbmeb-1884	9	5	management	management	NOUN
ajbmeb-1884	9	6	,	,	PUNCT
ajbmeb-1884	9	7	economics	economic	NOUN
ajbmeb-1884	9	8	and	and	CCONJ
ajbmeb-1884	9	9	banking	banking	NOUN
ajbmeb-1884	9	10	volume	volume	NOUN
ajbmeb-1884	9	11	21	21	NUM
ajbmeb-1884	9	12	february	february	PROPN
ajbmeb-1884	9	13	,	,	PUNCT
ajbmeb-1884	9	14	2024	2024	NUM
ajbmeb-1884	9	15	p	p	NOUN
ajbmeb-1884	9	16	a	a	DET
ajbmeb-1884	9	17	g	g	NOUN
ajbmeb-1884	9	18	e	e	NOUN
ajbmeb-1884	9	19	|	|	ADV
ajbmeb-1884	9	20	78	78	NUM
ajbmeb-1884	9	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	9	22	3	3	NUM
ajbmeb-1884	9	23	.	.	PUNCT
ajbmeb-1884	9	24	ensuring	ensure	VERB
ajbmeb-1884	9	25	the	the	DET
ajbmeb-1884	9	26	continuity	continuity	NOUN
ajbmeb-1884	9	27	of	of	ADP
ajbmeb-1884	9	28	a	a	DET
ajbmeb-1884	9	29	financial	financial	ADJ
ajbmeb-1884	9	30	or	or	CCONJ
ajbmeb-1884	9	31	banking	banking	NOUN
ajbmeb-1884	9	32	institution	institution	NOUN
ajbmeb-1884	9	33	in	in	ADP
ajbmeb-1884	9	34	an	an	DET
ajbmeb-1884	9	35	ever	ever	ADV
ajbmeb-1884	9	36	-	-	PUNCT
ajbmeb-1884	9	37	changing	change	VERB
ajbmeb-1884	9	38	environment	environment	NOUN
ajbmeb-1884	9	39	that	that	PRON
ajbmeb-1884	9	40	is	be	AUX
ajbmeb-1884	9	41	constantly	constantly	ADV
ajbmeb-1884	9	42	exposed	expose	VERB
ajbmeb-1884	9	43	to	to	ADP
ajbmeb-1884	9	44	crises	crisis	NOUN
ajbmeb-1884	9	45	requires	require	VERB
ajbmeb-1884	9	46	it	it	PRON
ajbmeb-1884	9	47	to	to	PART
ajbmeb-1884	9	48	adhere	adhere	VERB
ajbmeb-1884	9	49	to	to	ADP
ajbmeb-1884	9	50	the	the	DET
ajbmeb-1884	9	51	principles	principle	NOUN
ajbmeb-1884	9	52	and	and	CCONJ
ajbmeb-1884	9	53	standards	standard	NOUN
ajbmeb-1884	9	54	of	of	ADP
ajbmeb-1884	9	55	governance	governance	NOUN
ajbmeb-1884	9	56	.	.	PUNCT
ajbmeb-1884	10	1	research	research	NOUN
ajbmeb-1884	10	2	aims	aim	VERB
ajbmeb-1884	10	3	1	1	NUM
ajbmeb-1884	10	4	.	.	PUNCT
ajbmeb-1884	11	1	the	the	DET
ajbmeb-1884	11	2	research	research	NOUN
ajbmeb-1884	11	3	seeks	seek	VERB
ajbmeb-1884	11	4	to	to	PART
ajbmeb-1884	11	5	achieve	achieve	VERB
ajbmeb-1884	11	6	the	the	DET
ajbmeb-1884	11	7	following	follow	VERB
ajbmeb-1884	11	8	objectives	objective	NOUN
ajbmeb-1884	11	9	:	:	PUNCT
ajbmeb-1884	11	10	2	2	X
ajbmeb-1884	11	11	.	.	X
ajbmeb-1884	11	12	identify	identify	VERB
ajbmeb-1884	11	13	the	the	DET
ajbmeb-1884	11	14	concepts	concept	NOUN
ajbmeb-1884	11	15	related	relate	VERB
ajbmeb-1884	11	16	to	to	ADP
ajbmeb-1884	11	17	governance	governance	NOUN
ajbmeb-1884	11	18	according	accord	VERB
ajbmeb-1884	11	19	to	to	ADP
ajbmeb-1884	11	20	what	what	PRON
ajbmeb-1884	11	21	will	will	AUX
ajbmeb-1884	11	22	be	be	AUX
ajbmeb-1884	11	23	addressed	address	VERB
ajbmeb-1884	11	24	in	in	ADP
ajbmeb-1884	11	25	the	the	DET
ajbmeb-1884	11	26	research	research	NOUN
ajbmeb-1884	11	27	literature	literature	NOUN
ajbmeb-1884	11	28	.	.	PUNCT
ajbmeb-1884	12	1	3	3	X
ajbmeb-1884	12	2	.	.	X
ajbmeb-1884	12	3	measuring	measure	VERB
ajbmeb-1884	12	4	the	the	DET
ajbmeb-1884	12	5	research	research	NOUN
ajbmeb-1884	12	6	variables	variable	NOUN
ajbmeb-1884	12	7	(	(	PUNCT
ajbmeb-1884	12	8	secretariat	secretariat	NOUN
ajbmeb-1884	12	9	,	,	PUNCT
ajbmeb-1884	12	10	public	public	ADJ
ajbmeb-1884	12	11	policy	policy	NOUN
ajbmeb-1884	12	12	,	,	PUNCT
ajbmeb-1884	12	13	monitoring	monitor	VERB
ajbmeb-1884	12	14	the	the	DET
ajbmeb-1884	12	15	progress	progress	NOUN
ajbmeb-1884	12	16	of	of	ADP
ajbmeb-1884	12	17	work	work	NOUN
ajbmeb-1884	12	18	in	in	ADP
ajbmeb-1884	12	19	the	the	DET
ajbmeb-1884	12	20	bank	bank	NOUN
ajbmeb-1884	12	21	,	,	PUNCT
ajbmeb-1884	12	22	compensation	compensation	NOUN
ajbmeb-1884	12	23	,	,	PUNCT
ajbmeb-1884	12	24	committees	committee	NOUN
ajbmeb-1884	12	25	,	,	PUNCT
ajbmeb-1884	12	26	and	and	CCONJ
ajbmeb-1884	12	27	basic	basic	ADJ
ajbmeb-1884	12	28	functions	function	NOUN
ajbmeb-1884	12	29	of	of	ADP
ajbmeb-1884	12	30	the	the	DET
ajbmeb-1884	12	31	board	board	NOUN
ajbmeb-1884	12	32	)	)	PUNCT
ajbmeb-1884	12	33	and	and	CCONJ
ajbmeb-1884	12	34	the	the	DET
ajbmeb-1884	12	35	financial	financial	ADJ
ajbmeb-1884	12	36	crisis	crisis	NOUN
ajbmeb-1884	12	37	on	on	ADP
ajbmeb-1884	12	38	the	the	DET
ajbmeb-1884	12	39	other	other	ADJ
ajbmeb-1884	12	40	hand	hand	NOUN
ajbmeb-1884	12	41	.	.	PUNCT
ajbmeb-1884	13	1	4	4	X
ajbmeb-1884	13	2	.	.	X
ajbmeb-1884	13	3	finding	find	VERB
ajbmeb-1884	13	4	successful	successful	ADJ
ajbmeb-1884	13	5	means	mean	NOUN
ajbmeb-1884	13	6	of	of	ADP
ajbmeb-1884	13	7	governance	governance	NOUN
ajbmeb-1884	13	8	through	through	ADP
ajbmeb-1884	13	9	which	which	PRON
ajbmeb-1884	13	10	the	the	DET
ajbmeb-1884	13	11	bank	bank	NOUN
ajbmeb-1884	13	12	can	can	AUX
ajbmeb-1884	13	13	achieve	achieve	VERB
ajbmeb-1884	13	14	outstanding	outstanding	ADJ
ajbmeb-1884	13	15	performance	performance	NOUN
ajbmeb-1884	13	16	and	and	CCONJ
ajbmeb-1884	13	17	avoid	avoid	VERB
ajbmeb-1884	13	18	financial	financial	ADJ
ajbmeb-1884	13	19	crises	crisis	NOUN
ajbmeb-1884	13	20	.	.	PUNCT
ajbmeb-1884	14	1	research	research	NOUN
ajbmeb-1884	14	2	hypothesis	hypothesis	NOUN
ajbmeb-1884	14	3	the	the	DET
ajbmeb-1884	14	4	research	research	NOUN
ajbmeb-1884	14	5	is	be	AUX
ajbmeb-1884	14	6	based	base	VERB
ajbmeb-1884	14	7	on	on	ADP
ajbmeb-1884	14	8	two	two	NUM
ajbmeb-1884	14	9	hypotheses	hypothesis	NOUN
ajbmeb-1884	14	10	two	two	NUM
ajbmeb-1884	14	11	basic	basic	ADJ
ajbmeb-1884	14	12	ones	one	NOUN
ajbmeb-1884	14	13	are	be	AUX
ajbmeb-1884	14	14	:	:	PUNCT
ajbmeb-1884	14	15	the	the	DET
ajbmeb-1884	14	16	first	first	ADJ
ajbmeb-1884	14	17	main	main	ADJ
ajbmeb-1884	14	18	hypothesis	hypothesis	NOUN
ajbmeb-1884	14	19	:	:	PUNCT
ajbmeb-1884	14	20	there	there	PRON
ajbmeb-1884	14	21	is	be	VERB
ajbmeb-1884	14	22	a	a	DET
ajbmeb-1884	14	23	good	good	ADJ
ajbmeb-1884	14	24	impression	impression	NOUN
ajbmeb-1884	14	25	among	among	ADP
ajbmeb-1884	14	26	the	the	DET
ajbmeb-1884	14	27	research	research	NOUN
ajbmeb-1884	14	28	sample	sample	NOUN
ajbmeb-1884	14	29	about	about	ADP
ajbmeb-1884	14	30	the	the	DET
ajbmeb-1884	14	31	importance	importance	NOUN
ajbmeb-1884	14	32	of	of	ADP
ajbmeb-1884	14	33	the	the	DET
ajbmeb-1884	14	34	relationship	relationship	NOUN
ajbmeb-1884	14	35	between	between	ADP
ajbmeb-1884	14	36	governance	governance	NOUN
ajbmeb-1884	14	37	standards	standard	NOUN
ajbmeb-1884	14	38	represented	represent	VERB
ajbmeb-1884	14	39	by	by	ADP
ajbmeb-1884	14	40	(	(	PUNCT
ajbmeb-1884	14	41	secretariat	secretariat	PROPN
ajbmeb-1884	14	42	,	,	PUNCT
ajbmeb-1884	14	43	general	general	ADJ
ajbmeb-1884	14	44	policy	policy	NOUN
ajbmeb-1884	14	45	,	,	PUNCT
ajbmeb-1884	14	46	monitoring	monitor	VERB
ajbmeb-1884	14	47	the	the	DET
ajbmeb-1884	14	48	progress	progress	NOUN
ajbmeb-1884	14	49	of	of	ADP
ajbmeb-1884	14	50	work	work	NOUN
ajbmeb-1884	14	51	in	in	ADP
ajbmeb-1884	14	52	the	the	DET
ajbmeb-1884	14	53	bank	bank	NOUN
ajbmeb-1884	14	54	,	,	PUNCT
ajbmeb-1884	14	55	compensation	compensation	NOUN
ajbmeb-1884	14	56	,	,	PUNCT
ajbmeb-1884	14	57	committees	committee	NOUN
ajbmeb-1884	14	58	,	,	PUNCT
ajbmeb-1884	14	59	and	and	CCONJ
ajbmeb-1884	14	60	basic	basic	ADJ
ajbmeb-1884	14	61	functions	function	NOUN
ajbmeb-1884	14	62	of	of	ADP
ajbmeb-1884	14	63	the	the	DET
ajbmeb-1884	14	64	board	board	NOUN
ajbmeb-1884	14	65	)	)	PUNCT
ajbmeb-1884	14	66	and	and	CCONJ
ajbmeb-1884	14	67	the	the	DET
ajbmeb-1884	14	68	financial	financial	ADJ
ajbmeb-1884	14	69	crisis	crisis	NOUN
ajbmeb-1884	14	70	.	.	PUNCT
ajbmeb-1884	15	1	the	the	DET
ajbmeb-1884	15	2	second	second	ADJ
ajbmeb-1884	15	3	main	main	ADJ
ajbmeb-1884	15	4	hypothesis	hypothesis	NOUN
ajbmeb-1884	15	5	is	be	AUX
ajbmeb-1884	15	6	that	that	SCONJ
ajbmeb-1884	15	7	the	the	DET
ajbmeb-1884	15	8	interest	interest	NOUN
ajbmeb-1884	15	9	of	of	ADP
ajbmeb-1884	15	10	bank	bank	NOUN
ajbmeb-1884	15	11	employees	employee	NOUN
ajbmeb-1884	15	12	in	in	ADP
ajbmeb-1884	15	13	governance	governance	NOUN
ajbmeb-1884	15	14	standards	standard	NOUN
ajbmeb-1884	15	15	is	be	AUX
ajbmeb-1884	15	16	represented	represent	VERB
ajbmeb-1884	15	17	by	by	ADP
ajbmeb-1884	15	18	(	(	PUNCT
ajbmeb-1884	15	19	honesty	honesty	NOUN
ajbmeb-1884	15	20	and	and	CCONJ
ajbmeb-1884	15	21	politics	politic	NOUN
ajbmeb-1884	15	22	.	.	PUNCT
ajbmeb-1884	16	1	the	the	DET
ajbmeb-1884	16	2	public	public	NOUN
ajbmeb-1884	16	3	,	,	PUNCT
ajbmeb-1884	16	4	monitoring	monitor	VERB
ajbmeb-1884	16	5	the	the	DET
ajbmeb-1884	16	6	progress	progress	NOUN
ajbmeb-1884	16	7	of	of	ADP
ajbmeb-1884	16	8	work	work	NOUN
ajbmeb-1884	16	9	in	in	ADP
ajbmeb-1884	16	10	the	the	DET
ajbmeb-1884	16	11	bank	bank	NOUN
ajbmeb-1884	16	12	,	,	PUNCT
ajbmeb-1884	16	13	compensation	compensation	NOUN
ajbmeb-1884	16	14	,	,	PUNCT
ajbmeb-1884	16	15	committees	committee	NOUN
ajbmeb-1884	16	16	,	,	PUNCT
ajbmeb-1884	16	17	and	and	CCONJ
ajbmeb-1884	16	18	the	the	DET
ajbmeb-1884	16	19	basic	basic	ADJ
ajbmeb-1884	16	20	functions	function	NOUN
ajbmeb-1884	16	21	of	of	ADP
ajbmeb-1884	16	22	the	the	DET
ajbmeb-1884	16	23	board	board	NOUN
ajbmeb-1884	16	24	)	)	PUNCT
ajbmeb-1884	16	25	would	would	AUX
ajbmeb-1884	16	26	preserve	preserve	VERB
ajbmeb-1884	16	27	the	the	DET
ajbmeb-1884	16	28	rights	right	NOUN
ajbmeb-1884	16	29	of	of	ADP
ajbmeb-1884	16	30	shareholders	shareholder	NOUN
ajbmeb-1884	16	31	in	in	ADP
ajbmeb-1884	16	32	the	the	DET
ajbmeb-1884	16	33	bank	bank	NOUN
ajbmeb-1884	16	34	and	and	CCONJ
ajbmeb-1884	16	35	avoid	avoid	VERB
ajbmeb-1884	16	36	the	the	DET
ajbmeb-1884	16	37	financial	financial	ADJ
ajbmeb-1884	16	38	crisis	crisis	NOUN
ajbmeb-1884	16	39	.	.	PUNCT
ajbmeb-1884	17	1	search	search	NOUN
ajbmeb-1884	17	2	limits	limit	NOUN
ajbmeb-1884	17	3	1	1	NUM
ajbmeb-1884	17	4	.	.	ADP
ajbmeb-1884	17	5	1	1	NUM
ajbmeb-1884	17	6	_	_	NOUN
ajbmeb-1884	17	7	time	time	NOUN
ajbmeb-1884	17	8	limits	limit	NOUN
ajbmeb-1884	17	9	from	from	ADP
ajbmeb-1884	17	10	9/1/2023	9/1/2023	NUM
ajbmeb-1884	17	11	to	to	ADP
ajbmeb-1884	17	12	2/1/2024	2/1/2024	NUM
ajbmeb-1884	17	13	_	_	PUNCT
ajbmeb-1884	18	1	_	_	PUNCT
ajbmeb-1884	19	1	_	_	PUNCT
ajbmeb-1884	20	1	2	2	X
ajbmeb-1884	20	2	.	.	SYM
ajbmeb-1884	20	3	2	2	NUM
ajbmeb-1884	20	4	_	_	PRON
ajbmeb-1884	20	5	spatial	spatial	ADJ
ajbmeb-1884	20	6	boundaries	boundary	NOUN
ajbmeb-1884	20	7	:	:	PUNCT
ajbmeb-1884	20	8	the	the	DET
ajbmeb-1884	20	9	iraqi	iraqi	ADJ
ajbmeb-1884	20	10	middle	middle	PROPN
ajbmeb-1884	20	11	east	east	PROPN
ajbmeb-1884	20	12	investment	investment	PROPN
ajbmeb-1884	20	13	bank_in	bank_in	PROPN
ajbmeb-1884	20	14	baghdad	baghdad	PROPN
ajbmeb-1884	20	15	governorate	governorate	PROPN
ajbmeb-1884	20	16	previous	previous	ADJ
ajbmeb-1884	20	17	studies	study	NOUN
ajbmeb-1884	20	18	1study	1study	NUM
ajbmeb-1884	20	19	by	by	ADP
ajbmeb-1884	20	20	abdel	abdel	PROPN
ajbmeb-1884	20	21	halim/2005	halim/2005	VERB
ajbmeb-1884	20	22	the	the	DET
ajbmeb-1884	20	23	study	study	NOUN
ajbmeb-1884	20	24	is	be	AUX
ajbmeb-1884	20	25	entitled	entitle	VERB
ajbmeb-1884	20	26	(	(	PUNCT
ajbmeb-1884	20	27	bank	bank	NOUN
ajbmeb-1884	20	28	governance	governance	NOUN
ajbmeb-1884	20	29	)	)	PUNCT
ajbmeb-1884	20	30	.	.	PUNCT
ajbmeb-1884	21	1	the	the	DET
ajbmeb-1884	21	2	study	study	NOUN
ajbmeb-1884	21	3	aims	aim	VERB
ajbmeb-1884	21	4	to	to	PART
ajbmeb-1884	21	5	measure	measure	VERB
ajbmeb-1884	21	6	the	the	DET
ajbmeb-1884	21	7	extent	extent	NOUN
ajbmeb-1884	21	8	to	to	PART
ajbmeb-1884	21	9	which	which	PRON
ajbmeb-1884	21	10	sudanese	sudanese	ADJ
ajbmeb-1884	21	11	banks	bank	NOUN
ajbmeb-1884	21	12	apply	apply	VERB
ajbmeb-1884	21	13	institutional	institutional	ADJ
ajbmeb-1884	21	14	governance	governance	NOUN
ajbmeb-1884	21	15	and	and	CCONJ
ajbmeb-1884	21	16	highlight	highlight	VERB
ajbmeb-1884	21	17	the	the	DET
ajbmeb-1884	21	18	importance	importance	NOUN
ajbmeb-1884	21	19	of	of	ADP
ajbmeb-1884	21	20	applying	apply	VERB
ajbmeb-1884	21	21	governance	governance	NOUN
ajbmeb-1884	21	22	to	to	ADP
ajbmeb-1884	21	23	the	the	DET
ajbmeb-1884	21	24	sudanese	sudanese	ADJ
ajbmeb-1884	21	25	banking	banking	NOUN
ajbmeb-1884	21	26	system	system	NOUN
ajbmeb-1884	21	27	.	.	PUNCT
ajbmeb-1884	22	1	the	the	DET
ajbmeb-1884	22	2	researcher	researcher	NOUN
ajbmeb-1884	22	3	used	use	VERB
ajbmeb-1884	22	4	the	the	DET
ajbmeb-1884	22	5	questionnaire	questionnaire	NOUN
ajbmeb-1884	22	6	as	as	ADP
ajbmeb-1884	22	7	a	a	DET
ajbmeb-1884	22	8	tool	tool	NOUN
ajbmeb-1884	22	9	for	for	ADP
ajbmeb-1884	22	10	the	the	DET
ajbmeb-1884	22	11	study	study	NOUN
ajbmeb-1884	22	12	,	,	PUNCT
ajbmeb-1884	22	13	while	while	SCONJ
ajbmeb-1884	22	14	the	the	DET
ajbmeb-1884	22	15	research	research	NOUN
ajbmeb-1884	22	16	community	community	NOUN
ajbmeb-1884	22	17	is	be	AUX
ajbmeb-1884	22	18	the	the	DET
ajbmeb-1884	22	19	total	total	ADJ
ajbmeb-1884	22	20	national	national	ADJ
ajbmeb-1884	22	21	banks	bank	NOUN
ajbmeb-1884	22	22	operating	operate	VERB
ajbmeb-1884	22	23	in	in	ADP
ajbmeb-1884	22	24	sudan	sudan	PROPN
ajbmeb-1884	22	25	.	.	PUNCT
ajbmeb-1884	23	1	the	the	DET
ajbmeb-1884	23	2	study	study	NOUN
ajbmeb-1884	23	3	concluded	conclude	VERB
ajbmeb-1884	23	4	that	that	SCONJ
ajbmeb-1884	23	5	sudanese	sudanese	ADJ
ajbmeb-1884	23	6	banks	bank	NOUN
ajbmeb-1884	23	7	apply	apply	VERB
ajbmeb-1884	23	8	the	the	DET
ajbmeb-1884	23	9	principles	principle	NOUN
ajbmeb-1884	23	10	of	of	ADP
ajbmeb-1884	23	11	corporate	corporate	ADJ
ajbmeb-1884	23	12	governance	governance	NOUN
ajbmeb-1884	23	13	represented	represent	VERB
ajbmeb-1884	23	14	in	in	ADP
ajbmeb-1884	23	15	the	the	DET
ajbmeb-1884	23	16	decisions	decision	NOUN
ajbmeb-1884	23	17	of	of	ADP
ajbmeb-1884	23	18	the	the	DET
ajbmeb-1884	23	19	basel	basel	PROPN
ajbmeb-1884	23	20	committee	committee	PROPN
ajbmeb-1884	23	21	on	on	ADP
ajbmeb-1884	23	22	banking	banking	NOUN
ajbmeb-1884	23	23	supervision	supervision	NOUN
ajbmeb-1884	23	24	and	and	CCONJ
ajbmeb-1884	23	25	the	the	DET
ajbmeb-1884	23	26	instructions	instruction	NOUN
ajbmeb-1884	23	27	of	of	ADP
ajbmeb-1884	23	28	the	the	DET
ajbmeb-1884	23	29	central	central	ADJ
ajbmeb-1884	23	30	bank	bank	PROPN
ajbmeb-1884	23	31	of	of	ADP
ajbmeb-1884	23	32	sudan	sudan	PROPN
ajbmeb-1884	23	33	.	.	PUNCT
ajbmeb-1884	24	1	2study	2study	NUM
ajbmeb-1884	24	2	by	by	ADP
ajbmeb-1884	24	3	abu	abu	PROPN
ajbmeb-1884	24	4	al	al	PROPN
ajbmeb-1884	24	5	-	-	PUNCT
ajbmeb-1884	24	6	oyoun	oyoun	NOUN
ajbmeb-1884	24	7	2/2003	2/2003	NUM
ajbmeb-1884	24	8	the	the	DET
ajbmeb-1884	24	9	title	title	NOUN
ajbmeb-1884	24	10	of	of	ADP
ajbmeb-1884	24	11	the	the	DET
ajbmeb-1884	24	12	study	study	NOUN
ajbmeb-1884	24	13	is	be	AUX
ajbmeb-1884	24	14	(	(	PUNCT
ajbmeb-1884	24	15	governance	governance	NOUN
ajbmeb-1884	24	16	from	from	ADP
ajbmeb-1884	24	17	a	a	DET
ajbmeb-1884	24	18	banking	banking	NOUN
ajbmeb-1884	24	19	perspective	perspective	NOUN
ajbmeb-1884	24	20	:	:	PUNCT
ajbmeb-1884	24	21	important	important	ADJ
ajbmeb-1884	24	22	controls	control	NOUN
ajbmeb-1884	24	23	to	to	PART
ajbmeb-1884	24	24	achieve	achieve	VERB
ajbmeb-1884	24	25	the	the	DET
ajbmeb-1884	24	26	most	most	ADV
ajbmeb-1884	24	27	efficient	efficient	ADJ
ajbmeb-1884	24	28	management	management	NOUN
ajbmeb-1884	24	29	in	in	ADP
ajbmeb-1884	24	30	egyptian	egyptian	ADJ
ajbmeb-1884	24	31	banks	bank	NOUN
ajbmeb-1884	24	32	and	and	CCONJ
ajbmeb-1884	24	33	apply	apply	VERB
ajbmeb-1884	24	34	international	international	ADJ
ajbmeb-1884	24	35	standards	standard	NOUN
ajbmeb-1884	24	36	in	in	ADP
ajbmeb-1884	24	37	liquidity	liquidity	NOUN
ajbmeb-1884	24	38	and	and	CCONJ
ajbmeb-1884	24	39	reserve	reserve	NOUN
ajbmeb-1884	24	40	ratios	ratio	NOUN
ajbmeb-1884	24	41	and	and	CCONJ
ajbmeb-1884	24	42	lending	lending	NOUN
ajbmeb-1884	24	43	concentration	concentration	NOUN
ajbmeb-1884	24	44	)	)	PUNCT
ajbmeb-1884	24	45	.	.	PUNCT
ajbmeb-1884	25	1	the	the	DET
ajbmeb-1884	25	2	study	study	NOUN
ajbmeb-1884	25	3	confirmed	confirm	VERB
ajbmeb-1884	25	4	that	that	SCONJ
ajbmeb-1884	25	5	sound	sound	NOUN
ajbmeb-1884	25	6	practice	practice	NOUN
ajbmeb-1884	25	7	of	of	ADP
ajbmeb-1884	25	8	governance	governance	NOUN
ajbmeb-1884	25	9	leads	lead	VERB
ajbmeb-1884	25	10	to	to	ADP
ajbmeb-1884	25	11	supporting	support	VERB
ajbmeb-1884	25	12	the	the	DET
ajbmeb-1884	25	13	soundness	soundness	NOUN
ajbmeb-1884	25	14	of	of	ADP
ajbmeb-1884	25	15	the	the	DET
ajbmeb-1884	25	16	banking	banking	NOUN
ajbmeb-1884	25	17	system	system	NOUN
ajbmeb-1884	25	18	.	.	PUNCT
ajbmeb-1884	26	1	the	the	DET
ajbmeb-1884	26	2	basel	basel	PROPN
ajbmeb-1884	26	3	committee	committee	PROPN
ajbmeb-1884	26	4	on	on	ADP
ajbmeb-1884	26	5	banking	banking	NOUN
ajbmeb-1884	26	6	supervision	supervision	NOUN
ajbmeb-1884	26	7	has	have	AUX
ajbmeb-1884	26	8	established	establish	VERB
ajbmeb-1884	26	9	the	the	DET
ajbmeb-1884	26	10	necessary	necessary	ADJ
ajbmeb-1884	26	11	standards	standard	NOUN
ajbmeb-1884	26	12	to	to	PART
ajbmeb-1884	26	13	regulate	regulate	VERB
ajbmeb-1884	26	14	and	and	CCONJ
ajbmeb-1884	26	15	monitor	monitor	VERB
ajbmeb-1884	26	16	the	the	DET
ajbmeb-1884	26	17	industry	industry	NOUN
ajbmeb-1884	26	18	.	.	PUNCT
ajbmeb-1884	27	1	banking	banking	NOUN
ajbmeb-1884	27	2	.	.	PUNCT
ajbmeb-1884	28	1	the	the	DET
ajbmeb-1884	28	2	central	central	PROPN
ajbmeb-1884	28	3	bank	bank	NOUN
ajbmeb-1884	28	4	has	have	AUX
ajbmeb-1884	28	5	taken	take	VERB
ajbmeb-1884	28	6	many	many	ADJ
ajbmeb-1884	28	7	measures	measure	NOUN
ajbmeb-1884	28	8	that	that	PRON
ajbmeb-1884	28	9	are	be	AUX
ajbmeb-1884	28	10	in	in	ADP
ajbmeb-1884	28	11	line	line	NOUN
ajbmeb-1884	28	12	with	with	ADP
ajbmeb-1884	28	13	the	the	DET
ajbmeb-1884	28	14	basic	basic	ADJ
ajbmeb-1884	28	15	rules	rule	NOUN
ajbmeb-1884	28	16	approved	approve	VERB
ajbmeb-1884	28	17	by	by	ADP
ajbmeb-1884	28	18	the	the	DET
ajbmeb-1884	28	19	basel	basel	PROPN
ajbmeb-1884	28	20	committee	committee	PROPN
ajbmeb-1884	28	21	,	,	PUNCT
ajbmeb-1884	28	22	which	which	PRON
ajbmeb-1884	28	23	includes	include	VERB
ajbmeb-1884	28	24	the	the	DET
ajbmeb-1884	28	25	legal	legal	ADJ
ajbmeb-1884	28	26	,	,	PUNCT
ajbmeb-1884	28	27	regulatory	regulatory	ADJ
ajbmeb-1884	28	28	,	,	PUNCT
ajbmeb-1884	28	29	supervisory	supervisory	ADJ
ajbmeb-1884	28	30	and	and	CCONJ
ajbmeb-1884	28	31	banking	banking	NOUN
ajbmeb-1884	28	32	framework	framework	NOUN
ajbmeb-1884	28	33	,	,	PUNCT
ajbmeb-1884	28	34	in	in	ADP
ajbmeb-1884	28	35	addition	addition	NOUN
ajbmeb-1884	28	36	to	to	ADP
ajbmeb-1884	28	37	setting	set	VERB
ajbmeb-1884	28	38	prudent	prudent	ADJ
ajbmeb-1884	28	39	rules	rule	NOUN
ajbmeb-1884	28	40	and	and	CCONJ
ajbmeb-1884	28	41	oversight	oversight	NOUN
ajbmeb-1884	28	42	and	and	CCONJ
ajbmeb-1884	28	43	how	how	SCONJ
ajbmeb-1884	28	44	to	to	PART
ajbmeb-1884	28	45	implement	implement	VERB
ajbmeb-1884	28	46	and	and	CCONJ
ajbmeb-1884	28	47	apply	apply	VERB
ajbmeb-1884	28	48	banking	banking	NOUN
ajbmeb-1884	28	49	laws	law	NOUN
ajbmeb-1884	28	50	,	,	PUNCT
ajbmeb-1884	28	51	which	which	PRON
ajbmeb-1884	28	52	are	be	AUX
ajbmeb-1884	28	53	the	the	DET
ajbmeb-1884	28	54	limits	limit	NOUN
ajbmeb-1884	28	55	of	of	ADP
ajbmeb-1884	28	56	the	the	DET
ajbmeb-1884	28	57	activity	activity	NOUN
ajbmeb-1884	28	58	of	of	ADP
ajbmeb-1884	28	59	banking	banking	NOUN
ajbmeb-1884	28	60	units	unit	NOUN
ajbmeb-1884	28	61	,	,	PUNCT
ajbmeb-1884	28	62	the	the	DET
ajbmeb-1884	28	63	liquidity	liquidity	NOUN
ajbmeb-1884	28	64	ratio	ratio	NOUN
ajbmeb-1884	28	65	,	,	PUNCT
ajbmeb-1884	28	66	the	the	DET
ajbmeb-1884	28	67	reserve	reserve	NOUN
ajbmeb-1884	28	68	ratio	ratio	NOUN
ajbmeb-1884	28	69	,	,	PUNCT
ajbmeb-1884	28	70	the	the	DET
ajbmeb-1884	28	71	capital	capital	NOUN
ajbmeb-1884	28	72	adequacy	adequacy	NOUN
ajbmeb-1884	28	73	rate	rate	NOUN
ajbmeb-1884	28	74	,	,	PUNCT
ajbmeb-1884	28	75	american	american	ADJ
ajbmeb-1884	28	76	journal	journal	PROPN
ajbmeb-1884	28	77	of	of	ADP
ajbmeb-1884	28	78	business	business	NOUN
ajbmeb-1884	28	79	management	management	NOUN
ajbmeb-1884	28	80	,	,	PUNCT
ajbmeb-1884	28	81	economics	economic	NOUN
ajbmeb-1884	28	82	and	and	CCONJ
ajbmeb-1884	28	83	banking	banking	NOUN
ajbmeb-1884	28	84	volume	volume	NOUN
ajbmeb-1884	28	85	21	21	NUM
ajbmeb-1884	28	86	february	february	PROPN
ajbmeb-1884	28	87	,	,	PUNCT
ajbmeb-1884	28	88	2024	2024	NUM
ajbmeb-1884	28	89	p	p	NOUN
ajbmeb-1884	28	90	a	a	DET
ajbmeb-1884	28	91	g	g	NOUN
ajbmeb-1884	28	92	e	e	NOUN
ajbmeb-1884	28	93	|	|	ADV
ajbmeb-1884	28	94	79	79	NUM
ajbmeb-1884	28	95	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	28	96	asset	asset	NOUN
ajbmeb-1884	28	97	classification	classification	NOUN
ajbmeb-1884	28	98	and	and	CCONJ
ajbmeb-1884	28	99	composition	composition	NOUN
ajbmeb-1884	28	100	.	.	PUNCT
ajbmeb-1884	29	1	provisions	provision	NOUN
ajbmeb-1884	29	2	and	and	CCONJ
ajbmeb-1884	29	3	concentration	concentration	NOUN
ajbmeb-1884	29	4	ratios	ratio	NOUN
ajbmeb-1884	29	5	for	for	ADP
ajbmeb-1884	29	6	loans	loan	NOUN
ajbmeb-1884	29	7	,	,	PUNCT
ajbmeb-1884	29	8	linked	link	VERB
ajbmeb-1884	29	9	loans	loan	NOUN
ajbmeb-1884	29	10	and	and	CCONJ
ajbmeb-1884	29	11	lending	lending	NOUN
ajbmeb-1884	29	12	to	to	ADP
ajbmeb-1884	29	13	related	related	ADJ
ajbmeb-1884	29	14	parties	party	NOUN
ajbmeb-1884	29	15	.	.	PUNCT
ajbmeb-1884	30	1	3al	3al	PROPN
ajbmeb-1884	30	2	-	-	PUNCT
ajbmeb-1884	30	3	saidi	saidi	PROPN
ajbmeb-1884	30	4	’s	’s	PART
ajbmeb-1884	30	5	study	study	PROPN
ajbmeb-1884	30	6	/	/	SYM
ajbmeb-1884	30	7	2005	2005	NUM
ajbmeb-1884	30	8	title	title	NOUN
ajbmeb-1884	30	9	of	of	ADP
ajbmeb-1884	30	10	the	the	DET
ajbmeb-1884	30	11	study	study	NOUN
ajbmeb-1884	30	12	(	(	PUNCT
ajbmeb-1884	30	13	corporate	corporate	ADJ
ajbmeb-1884	30	14	governance	governance	NOUN
ajbmeb-1884	30	15	in	in	ADP
ajbmeb-1884	30	16	countries	country	NOUN
ajbmeb-1884	30	17	of	of	ADP
ajbmeb-1884	30	18	the	the	DET
ajbmeb-1884	30	19	middle	middle	PROPN
ajbmeb-1884	30	20	east	east	PROPN
ajbmeb-1884	30	21	and	and	CCONJ
ajbmeb-1884	30	22	north	north	PROPN
ajbmeb-1884	30	23	africa	africa	PROPN
ajbmeb-1884	30	24	region	region	NOUN
ajbmeb-1884	30	25	:	:	PUNCT
ajbmeb-1884	30	26	the	the	DET
ajbmeb-1884	30	27	role	role	NOUN
ajbmeb-1884	30	28	of	of	ADP
ajbmeb-1884	30	29	the	the	DET
ajbmeb-1884	30	30	banking	banking	NOUN
ajbmeb-1884	30	31	system	system	NOUN
ajbmeb-1884	30	32	in	in	ADP
ajbmeb-1884	30	33	ensuring	ensure	VERB
ajbmeb-1884	30	34	transparency	transparency	NOUN
ajbmeb-1884	30	35	and	and	CCONJ
ajbmeb-1884	30	36	disclosure	disclosure	NOUN
ajbmeb-1884	30	37	)	)	PUNCT
ajbmeb-1884	30	38	.	.	PUNCT
ajbmeb-1884	31	1	this	this	DET
ajbmeb-1884	31	2	study	study	NOUN
ajbmeb-1884	31	3	addressed	address	VERB
ajbmeb-1884	31	4	three	three	NUM
ajbmeb-1884	31	5	main	main	ADJ
ajbmeb-1884	31	6	topics	topic	NOUN
ajbmeb-1884	31	7	:	:	PUNCT
ajbmeb-1884	31	8	the	the	DET
ajbmeb-1884	31	9	importance	importance	NOUN
ajbmeb-1884	31	10	of	of	ADP
ajbmeb-1884	31	11	corporate	corporate	ADJ
ajbmeb-1884	31	12	governance	governance	NOUN
ajbmeb-1884	31	13	principles	principle	NOUN
ajbmeb-1884	31	14	and	and	CCONJ
ajbmeb-1884	31	15	standards	standard	NOUN
ajbmeb-1884	31	16	in	in	ADP
ajbmeb-1884	31	17	an	an	DET
ajbmeb-1884	31	18	increasingly	increasingly	ADV
ajbmeb-1884	31	19	connected	connected	ADJ
ajbmeb-1884	31	20	world	world	NOUN
ajbmeb-1884	31	21	is	be	AUX
ajbmeb-1884	31	22	evidence	evidence	NOUN
ajbmeb-1884	31	23	of	of	ADP
ajbmeb-1884	31	24	the	the	DET
ajbmeb-1884	31	25	relationship	relationship	NOUN
ajbmeb-1884	31	26	between	between	ADP
ajbmeb-1884	31	27	corporate	corporate	ADJ
ajbmeb-1884	31	28	governance	governance	NOUN
ajbmeb-1884	31	29	/	/	SYM
ajbmeb-1884	31	30	management	management	NOUN
ajbmeb-1884	31	31	,	,	PUNCT
ajbmeb-1884	31	32	economic	economic	ADJ
ajbmeb-1884	31	33	efficiency	efficiency	NOUN
ajbmeb-1884	31	34	,	,	PUNCT
ajbmeb-1884	31	35	investment	investment	NOUN
ajbmeb-1884	31	36	and	and	CCONJ
ajbmeb-1884	31	37	growth	growth	NOUN
ajbmeb-1884	31	38	.	.	PUNCT
ajbmeb-1884	32	1	governance	governance	NOUN
ajbmeb-1884	32	2	problems	problem	NOUN
ajbmeb-1884	32	3	of	of	ADP
ajbmeb-1884	32	4	the	the	DET
ajbmeb-1884	32	5	banking	banking	NOUN
ajbmeb-1884	32	6	and	and	CCONJ
ajbmeb-1884	32	7	financial	financial	ADJ
ajbmeb-1884	32	8	sector	sector	NOUN
ajbmeb-1884	32	9	and	and	CCONJ
ajbmeb-1884	32	10	the	the	DET
ajbmeb-1884	32	11	role	role	NOUN
ajbmeb-1884	32	12	of	of	ADP
ajbmeb-1884	32	13	the	the	DET
ajbmeb-1884	32	14	banking	banking	NOUN
ajbmeb-1884	32	15	and	and	CCONJ
ajbmeb-1884	32	16	financial	financial	ADJ
ajbmeb-1884	32	17	sector	sector	NOUN
ajbmeb-1884	32	18	in	in	ADP
ajbmeb-1884	32	19	adopting	adopt	VERB
ajbmeb-1884	32	20	good	good	ADJ
ajbmeb-1884	32	21	practices	practice	NOUN
ajbmeb-1884	32	22	and	and	CCONJ
ajbmeb-1884	32	23	applications	application	NOUN
ajbmeb-1884	32	24	of	of	ADP
ajbmeb-1884	32	25	corporate	corporate	ADJ
ajbmeb-1884	32	26	governance	governance	NOUN
ajbmeb-1884	32	27	/management	/management	NOUN
ajbmeb-1884	32	28	in	in	ADP
ajbmeb-1884	32	29	the	the	DET
ajbmeb-1884	32	30	nonbanking	nonbanking	ADJ
ajbmeb-1884	32	31	financial	financial	ADJ
ajbmeb-1884	32	32	sector	sector	NOUN
ajbmeb-1884	32	33	.	.	PUNCT
ajbmeb-1884	33	1	procedural	procedural	ADJ
ajbmeb-1884	33	2	steps	step	NOUN
ajbmeb-1884	33	3	and	and	CCONJ
ajbmeb-1884	33	4	action	action	NOUN
ajbmeb-1884	33	5	plan	plan	NOUN
ajbmeb-1884	33	6	to	to	PART
ajbmeb-1884	33	7	promote	promote	VERB
ajbmeb-1884	33	8	corporate	corporate	ADJ
ajbmeb-1884	33	9	governance	governance	NOUN
ajbmeb-1884	33	10	/management	/management	INTJ
ajbmeb-1884	33	11	in	in	ADP
ajbmeb-1884	33	12	mena	mena	PROPN
ajbmeb-1884	33	13	countries	country	NOUN
ajbmeb-1884	33	14	with	with	ADP
ajbmeb-1884	33	15	a	a	DET
ajbmeb-1884	33	16	focus	focus	NOUN
ajbmeb-1884	33	17	on	on	ADP
ajbmeb-1884	33	18	the	the	DET
ajbmeb-1884	33	19	special	special	ADJ
ajbmeb-1884	33	20	role	role	NOUN
ajbmeb-1884	33	21	of	of	ADP
ajbmeb-1884	33	22	monetary	monetary	ADJ
ajbmeb-1884	33	23	and	and	CCONJ
ajbmeb-1884	33	24	banking	banking	NOUN
ajbmeb-1884	33	25	supervisory	supervisory	ADJ
ajbmeb-1884	33	26	authorities	authority	NOUN
ajbmeb-1884	33	27	.	.	PUNCT
ajbmeb-1884	34	1	4akoum	4akoum	NUM
ajbmeb-1884	34	2	study	study	NOUN
ajbmeb-1884	34	3	,	,	PUNCT
ajbmeb-1884	34	4	2006	2006	NUM
ajbmeb-1884	34	5	study	study	NOUN
ajbmeb-1884	34	6	title	title	NOUN
ajbmeb-1884	34	7	(	(	PUNCT
ajbmeb-1884	34	8	islamic	islamic	ADJ
ajbmeb-1884	34	9	banking	banking	NOUN
ajbmeb-1884	34	10	towards	towards	ADP
ajbmeb-1884	34	11	a	a	DET
ajbmeb-1884	34	12	governance	governance	NOUN
ajbmeb-1884	34	13	model	model	NOUN
ajbmeb-1884	34	14	the	the	DET
ajbmeb-1884	34	15	study	study	NOUN
ajbmeb-1884	34	16	addressed	address	VERB
ajbmeb-1884	34	17	the	the	DET
ajbmeb-1884	34	18	need	need	NOUN
ajbmeb-1884	34	19	to	to	PART
ajbmeb-1884	34	20	comply	comply	VERB
ajbmeb-1884	34	21	with	with	ADP
ajbmeb-1884	34	22	international	international	ADJ
ajbmeb-1884	34	23	standards	standard	NOUN
ajbmeb-1884	34	24	and	and	CCONJ
ajbmeb-1884	34	25	create	create	VERB
ajbmeb-1884	34	26	legal	legal	ADJ
ajbmeb-1884	34	27	,	,	PUNCT
ajbmeb-1884	34	28	legislative	legislative	ADJ
ajbmeb-1884	34	29	and	and	CCONJ
ajbmeb-1884	34	30	regulatory	regulatory	ADJ
ajbmeb-1884	34	31	frameworks	framework	NOUN
ajbmeb-1884	34	32	that	that	PRON
ajbmeb-1884	34	33	help	help	VERB
ajbmeb-1884	34	34	the	the	DET
ajbmeb-1884	34	35	growth	growth	NOUN
ajbmeb-1884	34	36	of	of	ADP
ajbmeb-1884	34	37	islamic	islamic	ADJ
ajbmeb-1884	34	38	banks	bank	NOUN
ajbmeb-1884	34	39	and	and	CCONJ
ajbmeb-1884	34	40	financial	financial	ADJ
ajbmeb-1884	34	41	institutions	institution	NOUN
ajbmeb-1884	34	42	and	and	CCONJ
ajbmeb-1884	34	43	benefit	benefit	VERB
ajbmeb-1884	34	44	from	from	ADP
ajbmeb-1884	34	45	global	global	ADJ
ajbmeb-1884	34	46	finance	finance	NOUN
ajbmeb-1884	34	47	,	,	PUNCT
ajbmeb-1884	34	48	especially	especially	ADV
ajbmeb-1884	34	49	with	with	ADP
ajbmeb-1884	34	50	the	the	DET
ajbmeb-1884	34	51	current	current	ADJ
ajbmeb-1884	34	52	developments	development	NOUN
ajbmeb-1884	34	53	in	in	ADP
ajbmeb-1884	34	54	the	the	DET
ajbmeb-1884	34	55	factors	factor	NOUN
ajbmeb-1884	34	56	of	of	ADP
ajbmeb-1884	34	57	liberalization	liberalization	NOUN
ajbmeb-1884	34	58	of	of	ADP
ajbmeb-1884	34	59	global	global	ADJ
ajbmeb-1884	34	60	trade	trade	NOUN
ajbmeb-1884	34	61	,	,	PUNCT
ajbmeb-1884	34	62	the	the	DET
ajbmeb-1884	34	63	freedom	freedom	NOUN
ajbmeb-1884	34	64	of	of	ADP
ajbmeb-1884	34	65	movement	movement	NOUN
ajbmeb-1884	34	66	of	of	ADP
ajbmeb-1884	34	67	capital	capital	NOUN
ajbmeb-1884	34	68	without	without	ADP
ajbmeb-1884	34	69	barriers	barrier	NOUN
ajbmeb-1884	34	70	,	,	PUNCT
ajbmeb-1884	34	71	the	the	DET
ajbmeb-1884	34	72	lack	lack	NOUN
ajbmeb-1884	34	73	of	of	ADP
ajbmeb-1884	34	74	qualified	qualified	ADJ
ajbmeb-1884	34	75	human	human	ADJ
ajbmeb-1884	34	76	resources	resource	NOUN
ajbmeb-1884	34	77	,	,	PUNCT
ajbmeb-1884	34	78	and	and	CCONJ
ajbmeb-1884	34	79	the	the	DET
ajbmeb-1884	34	80	decreased	decrease	VERB
ajbmeb-1884	34	81	ability	ability	NOUN
ajbmeb-1884	34	82	to	to	PART
ajbmeb-1884	34	83	spread	spread	VERB
ajbmeb-1884	34	84	geographically	geographically	ADV
ajbmeb-1884	34	85	within	within	ADP
ajbmeb-1884	34	86	islamic	islamic	ADJ
ajbmeb-1884	34	87	countries	country	NOUN
ajbmeb-1884	34	88	,	,	PUNCT
ajbmeb-1884	34	89	due	due	ADP
ajbmeb-1884	34	90	to	to	ADP
ajbmeb-1884	34	91	the	the	DET
ajbmeb-1884	34	92	small	small	ADJ
ajbmeb-1884	34	93	size	size	NOUN
ajbmeb-1884	34	94	of	of	ADP
ajbmeb-1884	34	95	banks	bank	NOUN
ajbmeb-1884	34	96	,	,	PUNCT
ajbmeb-1884	34	97	the	the	DET
ajbmeb-1884	34	98	low	low	ADJ
ajbmeb-1884	34	99	degree	degree	NOUN
ajbmeb-1884	34	100	of	of	ADP
ajbmeb-1884	34	101	transparency	transparency	NOUN
ajbmeb-1884	34	102	in	in	ADP
ajbmeb-1884	34	103	presenting	present	VERB
ajbmeb-1884	34	104	results	result	NOUN
ajbmeb-1884	34	105	and	and	CCONJ
ajbmeb-1884	34	106	operations	operation	NOUN
ajbmeb-1884	34	107	,	,	PUNCT
ajbmeb-1884	34	108	and	and	CCONJ
ajbmeb-1884	34	109	the	the	DET
ajbmeb-1884	34	110	weakness	weakness	NOUN
ajbmeb-1884	34	111	of	of	ADP
ajbmeb-1884	34	112	capital	capital	NOUN
ajbmeb-1884	34	113	,	,	PUNCT
ajbmeb-1884	34	114	governance	governance	NOUN
ajbmeb-1884	34	115	in	in	ADP
ajbmeb-1884	34	116	islamic	islamic	ADJ
ajbmeb-1884	34	117	financial	financial	ADJ
ajbmeb-1884	34	118	institutions	institution	NOUN
ajbmeb-1884	34	119	focuses	focus	VERB
ajbmeb-1884	34	120	on	on	ADP
ajbmeb-1884	34	121	the	the	DET
ajbmeb-1884	34	122	relationship	relationship	NOUN
ajbmeb-1884	34	123	of	of	ADP
ajbmeb-1884	34	124	management	management	NOUN
ajbmeb-1884	34	125	with	with	ADP
ajbmeb-1884	34	126	ownership	ownership	NOUN
ajbmeb-1884	34	127	,	,	PUNCT
ajbmeb-1884	34	128	protecting	protect	VERB
ajbmeb-1884	34	129	rights	right	NOUN
ajbmeb-1884	34	130	holders	holder	NOUN
ajbmeb-1884	34	131	and	and	CCONJ
ajbmeb-1884	34	132	everyone	everyone	PRON
ajbmeb-1884	34	133	related	relate	VERB
ajbmeb-1884	34	134	to	to	ADP
ajbmeb-1884	34	135	the	the	DET
ajbmeb-1884	34	136	institution	institution	NOUN
ajbmeb-1884	34	137	,	,	PUNCT
ajbmeb-1884	34	138	in	in	ADP
ajbmeb-1884	34	139	addition	addition	NOUN
ajbmeb-1884	34	140	to	to	ADP
ajbmeb-1884	34	141	the	the	DET
ajbmeb-1884	34	142	specificity	specificity	NOUN
ajbmeb-1884	34	143	of	of	ADP
ajbmeb-1884	34	144	these	these	DET
ajbmeb-1884	34	145	institutions	institution	NOUN
ajbmeb-1884	34	146	as	as	SCONJ
ajbmeb-1884	34	147	they	they	PRON
ajbmeb-1884	34	148	operate	operate	VERB
ajbmeb-1884	34	149	in	in	ADP
ajbmeb-1884	34	150	accordance	accordance	NOUN
ajbmeb-1884	34	151	with	with	ADP
ajbmeb-1884	34	152	islamic	islamic	PROPN
ajbmeb-1884	34	153	sharia	sharia	PROPN
ajbmeb-1884	34	154	,	,	PUNCT
ajbmeb-1884	34	155	and	and	CCONJ
ajbmeb-1884	34	156	here	here	ADV
ajbmeb-1884	34	157	the	the	DET
ajbmeb-1884	34	158	importance	importance	NOUN
ajbmeb-1884	34	159	of	of	ADP
ajbmeb-1884	34	160	implanting	implant	VERB
ajbmeb-1884	34	161	the	the	DET
ajbmeb-1884	34	162	principles	principle	NOUN
ajbmeb-1884	34	163	of	of	ADP
ajbmeb-1884	34	164	governance	governance	NOUN
ajbmeb-1884	34	165	is	be	AUX
ajbmeb-1884	34	166	consistent	consistent	ADJ
ajbmeb-1884	34	167	with	with	ADP
ajbmeb-1884	34	168	the	the	DET
ajbmeb-1884	34	169	islamic	islamic	ADJ
ajbmeb-1884	34	170	banking	banking	NOUN
ajbmeb-1884	34	171	system	system	NOUN
ajbmeb-1884	34	172	,	,	PUNCT
ajbmeb-1884	34	173	especially	especially	ADV
ajbmeb-1884	34	174	the	the	DET
ajbmeb-1884	34	175	risks	risk	NOUN
ajbmeb-1884	34	176	it	it	PRON
ajbmeb-1884	34	177	includes	include	VERB
ajbmeb-1884	34	178	,	,	PUNCT
ajbmeb-1884	34	179	such	such	ADJ
ajbmeb-1884	34	180	as	as	ADP
ajbmeb-1884	34	181	profit	profit	NOUN
ajbmeb-1884	34	182	and	and	CCONJ
ajbmeb-1884	34	183	loss	loss	NOUN
ajbmeb-1884	34	184	sharing	sharing	NOUN
ajbmeb-1884	34	185	.	.	PUNCT
ajbmeb-1884	35	1	the	the	DET
ajbmeb-1884	35	2	first	first	ADJ
ajbmeb-1884	35	3	topic	topic	NOUN
ajbmeb-1884	35	4	a	a	DET
ajbmeb-1884	35	5	cognitive	cognitive	ADJ
ajbmeb-1884	35	6	framework	framework	NOUN
ajbmeb-1884	35	7	for	for	ADP
ajbmeb-1884	35	8	governance	governance	NOUN
ajbmeb-1884	35	9	in	in	ADP
ajbmeb-1884	35	10	banks	bank	NOUN
ajbmeb-1884	35	11	first	first	ADV
ajbmeb-1884	35	12	:	:	PUNCT
ajbmeb-1884	35	13	the	the	DET
ajbmeb-1884	35	14	concept	concept	NOUN
ajbmeb-1884	35	15	of	of	ADP
ajbmeb-1884	35	16	governance	governance	NOUN
ajbmeb-1884	35	17	the	the	DET
ajbmeb-1884	35	18	concepts	concept	NOUN
ajbmeb-1884	35	19	and	and	CCONJ
ajbmeb-1884	35	20	foundations	foundation	NOUN
ajbmeb-1884	35	21	of	of	ADP
ajbmeb-1884	35	22	good	good	ADJ
ajbmeb-1884	35	23	governance	governance	NOUN
ajbmeb-1884	35	24	,	,	PUNCT
ajbmeb-1884	35	25	the	the	DET
ajbmeb-1884	35	26	translation	translation	NOUN
ajbmeb-1884	35	27	of	of	ADP
ajbmeb-1884	35	28	the	the	DET
ajbmeb-1884	35	29	term	term	NOUN
ajbmeb-1884	35	30	(	(	PUNCT
ajbmeb-1884	35	31	good	good	ADJ
ajbmeb-1884	35	32	governance	governance	NOUN
ajbmeb-1884	35	33	)	)	PUNCT
ajbmeb-1884	35	34	,	,	PUNCT
ajbmeb-1884	35	35	have	have	AUX
ajbmeb-1884	35	36	spread	spread	VERB
ajbmeb-1884	35	37	in	in	ADP
ajbmeb-1884	35	38	developed	develop	VERB
ajbmeb-1884	35	39	countries	country	NOUN
ajbmeb-1884	35	40	for	for	ADP
ajbmeb-1884	35	41	nearly	nearly	ADV
ajbmeb-1884	35	42	15	15	NUM
ajbmeb-1884	35	43	years	year	NOUN
ajbmeb-1884	35	44	,	,	PUNCT
ajbmeb-1884	35	45	and	and	CCONJ
ajbmeb-1884	35	46	have	have	AUX
ajbmeb-1884	35	47	moved	move	VERB
ajbmeb-1884	35	48	to	to	ADP
ajbmeb-1884	35	49	the	the	DET
ajbmeb-1884	35	50	arab	arab	ADJ
ajbmeb-1884	35	51	administration	administration	PROPN
ajbmeb-1884	35	52	space	space	NOUN
ajbmeb-1884	35	53	for	for	ADP
ajbmeb-1884	35	54	several	several	ADJ
ajbmeb-1884	35	55	years	year	NOUN
ajbmeb-1884	35	56	,	,	PUNCT
ajbmeb-1884	35	57	especially	especially	ADV
ajbmeb-1884	35	58	through	through	ADP
ajbmeb-1884	35	59	the	the	DET
ajbmeb-1884	35	60	activities	activity	NOUN
ajbmeb-1884	35	61	of	of	ADP
ajbmeb-1884	35	62	the	the	DET
ajbmeb-1884	35	63	arab	arab	ADJ
ajbmeb-1884	35	64	organization	organization	NOUN
ajbmeb-1884	35	65	for	for	ADP
ajbmeb-1884	35	66	administrative	administrative	ADJ
ajbmeb-1884	35	67	development	development	NOUN
ajbmeb-1884	35	68	in	in	ADP
ajbmeb-1884	35	69	2002	2002	NUM
ajbmeb-1884	35	70	through	through	ADP
ajbmeb-1884	35	71	its	its	PRON
ajbmeb-1884	35	72	publications	publication	NOUN
ajbmeb-1884	35	73	of	of	ADP
ajbmeb-1884	35	74	the	the	DET
ajbmeb-1884	35	75	book	book	NOUN
ajbmeb-1884	35	76	:	:	PUNCT
ajbmeb-1884	35	77	“	"	PUNCT
ajbmeb-1884	35	78	governance	governance	NOUN
ajbmeb-1884	35	79	.	.	PUNCT
ajbmeb-1884	35	80	”	"	PUNCT
ajbmeb-1884	36	1	“	"	PUNCT
ajbmeb-1884	36	2	issues	issue	NOUN
ajbmeb-1884	36	3	and	and	CCONJ
ajbmeb-1884	36	4	applications	application	NOUN
ajbmeb-1884	36	5	,	,	PUNCT
ajbmeb-1884	36	6	”	"	PUNCT
ajbmeb-1884	36	7	as	as	ADV
ajbmeb-1884	36	8	well	well	ADV
ajbmeb-1884	36	9	as	as	ADP
ajbmeb-1884	36	10	its	its	PRON
ajbmeb-1884	36	11	conferences	conference	NOUN
ajbmeb-1884	36	12	aimed	aim	VERB
ajbmeb-1884	36	13	at	at	ADP
ajbmeb-1884	36	14	disseminating	disseminate	VERB
ajbmeb-1884	36	15	that	that	DET
ajbmeb-1884	36	16	term	term	NOUN
ajbmeb-1884	36	17	and	and	CCONJ
ajbmeb-1884	36	18	its	its	PRON
ajbmeb-1884	36	19	components	component	NOUN
ajbmeb-1884	36	20	.	.	PUNCT
ajbmeb-1884	37	1	(	(	PUNCT
ajbmeb-1884	37	2	arab	arab	ADJ
ajbmeb-1884	37	3	organization	organization	NOUN
ajbmeb-1884	37	4	for	for	ADP
ajbmeb-1884	37	5	administrative	administrative	ADJ
ajbmeb-1884	37	6	development	development	NOUN
ajbmeb-1884	37	7	,	,	PUNCT
ajbmeb-1884	37	8	fourth	fourth	ADJ
ajbmeb-1884	37	9	conference	conference	NOUN
ajbmeb-1884	37	10	2010	2010	NUM
ajbmeb-1884	37	11	,	,	PUNCT
ajbmeb-1884	37	12	18	18	NUM
ajbmeb-1884	37	13	)	)	PUNCT
ajbmeb-1884	37	14	corporate	corporate	ADJ
ajbmeb-1884	37	15	governance	governance	NOUN
ajbmeb-1884	37	16	is	be	AUX
ajbmeb-1884	37	17	represented	represent	VERB
ajbmeb-1884	37	18	by	by	ADP
ajbmeb-1884	37	19	(	(	PUNCT
ajbmeb-1884	37	20	the	the	DET
ajbmeb-1884	37	21	set	set	NOUN
ajbmeb-1884	37	22	of	of	ADP
ajbmeb-1884	37	23	relationships	relationship	NOUN
ajbmeb-1884	37	24	that	that	PRON
ajbmeb-1884	37	25	bring	bring	VERB
ajbmeb-1884	37	26	together	together	ADV
ajbmeb-1884	37	27	the	the	DET
ajbmeb-1884	37	28	company	company	NOUN
ajbmeb-1884	37	29	’s	’s	PART
ajbmeb-1884	37	30	executive	executive	ADJ
ajbmeb-1884	37	31	management	management	NOUN
ajbmeb-1884	37	32	,	,	PUNCT
ajbmeb-1884	37	33	its	its	PRON
ajbmeb-1884	37	34	board	board	NOUN
ajbmeb-1884	37	35	of	of	ADP
ajbmeb-1884	37	36	directors	director	NOUN
ajbmeb-1884	37	37	,	,	PUNCT
ajbmeb-1884	37	38	its	its	PRON
ajbmeb-1884	37	39	shareholders	shareholder	NOUN
ajbmeb-1884	37	40	,	,	PUNCT
ajbmeb-1884	37	41	and	and	CCONJ
ajbmeb-1884	37	42	other	other	ADJ
ajbmeb-1884	37	43	stakeholders	stakeholder	NOUN
ajbmeb-1884	37	44	on	on	ADP
ajbmeb-1884	37	45	the	the	DET
ajbmeb-1884	37	46	other	other	ADJ
ajbmeb-1884	37	47	hand	hand	NOUN
ajbmeb-1884	37	48	,	,	PUNCT
ajbmeb-1884	37	49	as	as	SCONJ
ajbmeb-1884	37	50	it	it	PRON
ajbmeb-1884	37	51	is	be	AUX
ajbmeb-1884	37	52	the	the	DET
ajbmeb-1884	37	53	mechanism	mechanism	NOUN
ajbmeb-1884	37	54	through	through	ADP
ajbmeb-1884	37	55	which	which	PRON
ajbmeb-1884	37	56	the	the	DET
ajbmeb-1884	37	57	company	company	NOUN
ajbmeb-1884	37	58	’s	’s	PART
ajbmeb-1884	37	59	strategy	strategy	NOUN
ajbmeb-1884	37	60	and	and	CCONJ
ajbmeb-1884	37	61	objectives	objective	NOUN
ajbmeb-1884	37	62	are	be	AUX
ajbmeb-1884	37	63	determined	determine	VERB
ajbmeb-1884	37	64	and	and	CCONJ
ajbmeb-1884	37	65	then	then	ADV
ajbmeb-1884	37	66	the	the	DET
ajbmeb-1884	37	67	appropriate	appropriate	ADJ
ajbmeb-1884	37	68	means	mean	NOUN
ajbmeb-1884	37	69	to	to	PART
ajbmeb-1884	37	70	achieve	achieve	VERB
ajbmeb-1884	37	71	these	these	DET
ajbmeb-1884	37	72	objectives	objective	NOUN
ajbmeb-1884	37	73	.	.	PUNCT
ajbmeb-1884	38	1	(	(	PUNCT
ajbmeb-1884	38	2	matar	matar	NOUN
ajbmeb-1884	38	3	and	and	CCONJ
ajbmeb-1884	38	4	nour	nour	PROPN
ajbmeb-1884	38	5	,	,	PUNCT
ajbmeb-1884	38	6	2007	2007	NUM
ajbmeb-1884	38	7	,	,	PUNCT
ajbmeb-1884	38	8	15	15	NUM
ajbmeb-1884	38	9	)	)	PUNCT
ajbmeb-1884	38	10	and	and	CCONJ
ajbmeb-1884	38	11	with	with	ADP
ajbmeb-1884	38	12	us	we	PRON
ajbmeb-1884	38	13	therefore	therefore	ADV
ajbmeb-1884	38	14	,	,	PUNCT
ajbmeb-1884	38	15	corporate	corporate	ADJ
ajbmeb-1884	38	16	governance	governance	NOUN
ajbmeb-1884	38	17	is	be	AUX
ajbmeb-1884	38	18	american	american	ADJ
ajbmeb-1884	38	19	journal	journal	PROPN
ajbmeb-1884	38	20	of	of	ADP
ajbmeb-1884	38	21	business	business	NOUN
ajbmeb-1884	38	22	management	management	NOUN
ajbmeb-1884	38	23	,	,	PUNCT
ajbmeb-1884	38	24	economics	economic	NOUN
ajbmeb-1884	38	25	and	and	CCONJ
ajbmeb-1884	38	26	banking	banking	NOUN
ajbmeb-1884	38	27	volume	volume	NOUN
ajbmeb-1884	38	28	21	21	NUM
ajbmeb-1884	38	29	february	february	PROPN
ajbmeb-1884	38	30	,	,	PUNCT
ajbmeb-1884	38	31	2024	2024	NUM
ajbmeb-1884	38	32	p	p	NOUN
ajbmeb-1884	38	33	a	a	DET
ajbmeb-1884	38	34	g	g	NOUN
ajbmeb-1884	38	35	e	e	PROPN
ajbmeb-1884	38	36	|	|	NOUN
ajbmeb-1884	38	37	80	80	NUM
ajbmeb-1884	38	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	38	39	receiving	receive	VERB
ajbmeb-1884	38	40	increasing	increase	VERB
ajbmeb-1884	38	41	attention	attention	NOUN
ajbmeb-1884	38	42	in	in	ADP
ajbmeb-1884	38	43	various	various	ADJ
ajbmeb-1884	38	44	countries	country	NOUN
ajbmeb-1884	38	45	of	of	ADP
ajbmeb-1884	38	46	the	the	DET
ajbmeb-1884	38	47	world	world	NOUN
ajbmeb-1884	38	48	,	,	PUNCT
ajbmeb-1884	38	49	including	include	VERB
ajbmeb-1884	38	50	developed	develop	VERB
ajbmeb-1884	38	51	and	and	CCONJ
ajbmeb-1884	38	52	emerging	emerge	VERB
ajbmeb-1884	38	53	countries	country	NOUN
ajbmeb-1884	38	54	,	,	PUNCT
ajbmeb-1884	38	55	for	for	ADP
ajbmeb-1884	38	56	its	its	PRON
ajbmeb-1884	38	57	crucial	crucial	ADJ
ajbmeb-1884	38	58	role	role	NOUN
ajbmeb-1884	38	59	in	in	ADP
ajbmeb-1884	38	60	companies	company	NOUN
ajbmeb-1884	38	61	avoiding	avoid	VERB
ajbmeb-1884	38	62	the	the	DET
ajbmeb-1884	38	63	risks	risk	NOUN
ajbmeb-1884	38	64	of	of	ADP
ajbmeb-1884	38	65	criticism	criticism	NOUN
ajbmeb-1884	38	66	and	and	CCONJ
ajbmeb-1884	38	67	financial	financial	ADJ
ajbmeb-1884	38	68	failure	failure	NOUN
ajbmeb-1884	38	69	alike	alike	ADV
ajbmeb-1884	38	70	(	(	PUNCT
ajbmeb-1884	38	71	jian	jian	PROPN
ajbmeb-1884	38	72	fu	fu	PROPN
ajbmeb-1884	38	73	,	,	PUNCT
ajbmeb-1884	38	74	2014	2014	NUM
ajbmeb-1884	38	75	(	(	PUNCT
ajbmeb-1884	38	76	second	second	ADV
ajbmeb-1884	38	77	:	:	PUNCT
ajbmeb-1884	38	78	the	the	DET
ajbmeb-1884	38	79	factors	factor	NOUN
ajbmeb-1884	38	80	that	that	PRON
ajbmeb-1884	38	81	were	be	AUX
ajbmeb-1884	38	82	imposed	impose	VERB
ajbmeb-1884	38	83	on	on	ADP
ajbmeb-1884	38	84	governance	governance	NOUN
ajbmeb-1884	38	85	there	there	PRON
ajbmeb-1884	38	86	are	be	VERB
ajbmeb-1884	38	87	several	several	ADJ
ajbmeb-1884	38	88	factors	factor	NOUN
ajbmeb-1884	38	89	that	that	PRON
ajbmeb-1884	38	90	contributed	contribute	VERB
ajbmeb-1884	38	91	to	to	ADP
ajbmeb-1884	38	92	resorting	resort	VERB
ajbmeb-1884	38	93	to	to	ADP
ajbmeb-1884	38	94	governance	governance	NOUN
ajbmeb-1884	38	95	,	,	PUNCT
ajbmeb-1884	38	96	which	which	PRON
ajbmeb-1884	38	97	are	be	AUX
ajbmeb-1884	38	98	:	:	PUNCT
ajbmeb-1884	38	99	(	(	PUNCT
ajbmeb-1884	38	100	hamad	hamad	PROPN
ajbmeb-1884	38	101	,	,	PUNCT
ajbmeb-1884	38	102	2005	2005	NUM
ajbmeb-1884	38	103	,	,	PUNCT
ajbmeb-1884	38	104	29	29	NUM
ajbmeb-1884	38	105	)	)	PUNCT
ajbmeb-1884	38	106	(	(	PUNCT
ajbmeb-1884	38	107	al	al	PROPN
ajbmeb-1884	38	108	-	-	NOUN
ajbmeb-1884	38	109	rubaie	rubaie	NOUN
ajbmeb-1884	38	110	,	,	PUNCT
ajbmeb-1884	38	111	9	9	NUM
ajbmeb-1884	38	112	,	,	PUNCT
ajbmeb-1884	38	113	2018	2018	NUM
ajbmeb-1884	38	114	)	)	PUNCT
ajbmeb-1884	38	115	1	1	NUM
ajbmeb-1884	38	116	.	.	PUNCT
ajbmeb-1884	38	117	executives	executive	NOUN
ajbmeb-1884	38	118	'	'	PART
ajbmeb-1884	38	119	control	control	NOUN
ajbmeb-1884	38	120	over	over	ADP
ajbmeb-1884	38	121	capabilities	capability	NOUN
ajbmeb-1884	38	122	the	the	DET
ajbmeb-1884	38	123	company	company	NOUN
ajbmeb-1884	38	124	,	,	PUNCT
ajbmeb-1884	38	125	and	and	CCONJ
ajbmeb-1884	38	126	exploiting	exploit	VERB
ajbmeb-1884	38	127	it	it	PRON
ajbmeb-1884	38	128	primarily	primarily	ADV
ajbmeb-1884	38	129	for	for	ADP
ajbmeb-1884	38	130	their	their	PRON
ajbmeb-1884	38	131	benefit	benefit	NOUN
ajbmeb-1884	38	132	,	,	PUNCT
ajbmeb-1884	38	133	either	either	CCONJ
ajbmeb-1884	38	134	due	due	ADP
ajbmeb-1884	38	135	to	to	ADP
ajbmeb-1884	38	136	the	the	DET
ajbmeb-1884	38	137	weakness	weakness	NOUN
ajbmeb-1884	38	138	of	of	ADP
ajbmeb-1884	38	139	the	the	DET
ajbmeb-1884	38	140	boards	board	NOUN
ajbmeb-1884	38	141	of	of	ADP
ajbmeb-1884	38	142	directors	director	NOUN
ajbmeb-1884	38	143	or	or	CCONJ
ajbmeb-1884	38	144	in	in	ADP
ajbmeb-1884	38	145	collusion	collusion	NOUN
ajbmeb-1884	38	146	with	with	ADP
ajbmeb-1884	38	147	him	he	PRON
ajbmeb-1884	38	148	,	,	PUNCT
ajbmeb-1884	38	149	whose	whose	DET
ajbmeb-1884	38	150	members	member	NOUN
ajbmeb-1884	38	151	are	be	AUX
ajbmeb-1884	38	152	major	major	ADJ
ajbmeb-1884	38	153	shareholders	shareholder	NOUN
ajbmeb-1884	38	154	.	.	PUNCT
ajbmeb-1884	39	1	2	2	X
ajbmeb-1884	39	2	.	.	X
ajbmeb-1884	39	3	the	the	DET
ajbmeb-1884	39	4	enemy	enemy	NOUN
ajbmeb-1884	39	5	here	here	ADV
ajbmeb-1884	39	6	is	be	AUX
ajbmeb-1884	39	7	companies	company	NOUN
ajbmeb-1884	39	8	competition	competition	NOUN
ajbmeb-1884	39	9	,	,	PUNCT
ajbmeb-1884	39	10	and	and	CCONJ
ajbmeb-1884	39	11	defeating	defeat	VERB
ajbmeb-1884	39	12	it	it	PRON
ajbmeb-1884	39	13	means	mean	VERB
ajbmeb-1884	39	14	working	work	VERB
ajbmeb-1884	39	15	by	by	ADP
ajbmeb-1884	39	16	all	all	DET
ajbmeb-1884	39	17	means	mean	NOUN
ajbmeb-1884	39	18	to	to	PART
ajbmeb-1884	39	19	exclude	exclude	VERB
ajbmeb-1884	39	20	it	it	PRON
ajbmeb-1884	39	21	from	from	ADP
ajbmeb-1884	39	22	the	the	DET
ajbmeb-1884	39	23	commodity	commodity	NOUN
ajbmeb-1884	39	24	or	or	CCONJ
ajbmeb-1884	39	25	commodity	commodity	NOUN
ajbmeb-1884	39	26	market	market	NOUN
ajbmeb-1884	39	27	activity	activity	NOUN
ajbmeb-1884	39	28	,	,	PUNCT
ajbmeb-1884	39	29	and	and	CCONJ
ajbmeb-1884	39	30	all	all	PRON
ajbmeb-1884	39	31	of	of	ADP
ajbmeb-1884	39	32	this	this	PRON
ajbmeb-1884	39	33	turned	turn	VERB
ajbmeb-1884	39	34	the	the	DET
ajbmeb-1884	39	35	market	market	NOUN
ajbmeb-1884	39	36	into	into	ADP
ajbmeb-1884	39	37	a	a	DET
ajbmeb-1884	39	38	battlefield	battlefield	NOUN
ajbmeb-1884	39	39	,	,	PUNCT
ajbmeb-1884	39	40	not	not	PART
ajbmeb-1884	39	41	a	a	DET
ajbmeb-1884	39	42	place	place	NOUN
ajbmeb-1884	39	43	of	of	ADP
ajbmeb-1884	39	44	livelihood	livelihood	NOUN
ajbmeb-1884	39	45	,	,	PUNCT
ajbmeb-1884	39	46	which	which	PRON
ajbmeb-1884	39	47	deepened	deepen	VERB
ajbmeb-1884	39	48	the	the	DET
ajbmeb-1884	39	49	conflict	conflict	NOUN
ajbmeb-1884	39	50	of	of	ADP
ajbmeb-1884	39	51	interests	interest	NOUN
ajbmeb-1884	39	52	even	even	ADV
ajbmeb-1884	39	53	among	among	ADP
ajbmeb-1884	39	54	shareholders	shareholder	NOUN
ajbmeb-1884	39	55	,	,	PUNCT
ajbmeb-1884	39	56	executive	executive	ADJ
ajbmeb-1884	39	57	management	management	NOUN
ajbmeb-1884	39	58	and	and	CCONJ
ajbmeb-1884	39	59	other	other	ADJ
ajbmeb-1884	39	60	stakeholders	stakeholder	NOUN
ajbmeb-1884	39	61	,	,	PUNCT
ajbmeb-1884	39	62	hence	hence	ADV
ajbmeb-1884	39	63	the	the	DET
ajbmeb-1884	39	64	need	need	NOUN
ajbmeb-1884	39	65	it	it	PRON
ajbmeb-1884	39	66	is	be	AUX
ajbmeb-1884	39	67	urgent	urgent	ADJ
ajbmeb-1884	39	68	that	that	SCONJ
ajbmeb-1884	39	69	there	there	PRON
ajbmeb-1884	39	70	are	be	VERB
ajbmeb-1884	39	71	controls	control	NOUN
ajbmeb-1884	39	72	to	to	PART
ajbmeb-1884	39	73	regulate	regulate	VERB
ajbmeb-1884	39	74	the	the	DET
ajbmeb-1884	39	75	relations	relation	NOUN
ajbmeb-1884	39	76	between	between	ADP
ajbmeb-1884	39	77	these	these	DET
ajbmeb-1884	39	78	parties	party	NOUN
ajbmeb-1884	39	79	,	,	PUNCT
ajbmeb-1884	39	80	which	which	PRON
ajbmeb-1884	39	81	is	be	AUX
ajbmeb-1884	39	82	what	what	PRON
ajbmeb-1884	39	83	they	they	PRON
ajbmeb-1884	39	84	do	do	VERB
ajbmeb-1884	39	85	governance	governance	NOUN
ajbmeb-1884	39	86	to	to	PART
ajbmeb-1884	39	87	find	find	VERB
ajbmeb-1884	39	88	it	it	PRON
ajbmeb-1884	39	89	3	3	X
ajbmeb-1884	39	90	.	.	PUNCT
ajbmeb-1884	40	1	the	the	DET
ajbmeb-1884	40	2	corruption	corruption	NOUN
ajbmeb-1884	40	3	that	that	PRON
ajbmeb-1884	40	4	was	be	AUX
ajbmeb-1884	40	5	rampant	rampant	ADJ
ajbmeb-1884	40	6	in	in	ADP
ajbmeb-1884	40	7	...	...	PUNCT
ajbmeb-1884	40	8	the	the	DET
ajbmeb-1884	40	9	economic	economic	ADJ
ajbmeb-1884	40	10	and	and	CCONJ
ajbmeb-1884	40	11	financial	financial	ADJ
ajbmeb-1884	40	12	field	field	NOUN
ajbmeb-1884	40	13	led	lead	VERB
ajbmeb-1884	40	14	to	to	ADP
ajbmeb-1884	40	15	a	a	DET
ajbmeb-1884	40	16	series	series	NOUN
ajbmeb-1884	40	17	of	of	ADP
ajbmeb-1884	40	18	collapses	collapse	NOUN
ajbmeb-1884	40	19	and	and	CCONJ
ajbmeb-1884	40	20	numerous	numerous	ADJ
ajbmeb-1884	40	21	bankruptcies	bankruptcy	NOUN
ajbmeb-1884	40	22	of	of	ADP
ajbmeb-1884	40	23	major	major	ADJ
ajbmeb-1884	40	24	corporations	corporation	NOUN
ajbmeb-1884	40	25	companies	company	NOUN
ajbmeb-1884	40	26	and	and	CCONJ
ajbmeb-1884	40	27	institutions	institution	NOUN
ajbmeb-1884	40	28	in	in	ADP
ajbmeb-1884	40	29	the	the	DET
ajbmeb-1884	40	30	world	world	NOUN
ajbmeb-1884	40	31	,	,	PUNCT
ajbmeb-1884	40	32	the	the	DET
ajbmeb-1884	40	33	most	most	ADV
ajbmeb-1884	40	34	prominent	prominent	ADJ
ajbmeb-1884	40	35	of	of	ADP
ajbmeb-1884	40	36	which	which	PRON
ajbmeb-1884	40	37	is	be	AUX
ajbmeb-1884	40	38	the	the	DET
ajbmeb-1884	40	39	collapse	collapse	NOUN
ajbmeb-1884	40	40	and	and	CCONJ
ajbmeb-1884	40	41	bankruptcy	bankruptcy	NOUN
ajbmeb-1884	40	42	of	of	ADP
ajbmeb-1884	40	43	the	the	DET
ajbmeb-1884	40	44	commercial	commercial	ADJ
ajbmeb-1884	40	45	credit	credit	NOUN
ajbmeb-1884	40	46	bank	bank	PROPN
ajbmeb-1884	40	47	international	international	PROPN
ajbmeb-1884	40	48	in	in	ADP
ajbmeb-1884	40	49	1991	1991	NUM
ajbmeb-1884	40	50	,	,	PUNCT
ajbmeb-1884	40	51	third	third	ADJ
ajbmeb-1884	40	52	:	:	PUNCT
ajbmeb-1884	40	53	general	general	ADJ
ajbmeb-1884	40	54	characteristics	characteristic	NOUN
ajbmeb-1884	40	55	of	of	ADP
ajbmeb-1884	40	56	governance	governance	NOUN
ajbmeb-1884	40	57	:	:	PUNCT
ajbmeb-1884	40	58	the	the	DET
ajbmeb-1884	40	59	term	term	NOUN
ajbmeb-1884	40	60	corporate	corporate	ADJ
ajbmeb-1884	40	61	governance	governance	NOUN
ajbmeb-1884	40	62	refers	refer	VERB
ajbmeb-1884	40	63	to	to	ADP
ajbmeb-1884	40	64	the	the	DET
ajbmeb-1884	40	65	following	follow	VERB
ajbmeb-1884	40	66	characteristics	characteristic	NOUN
ajbmeb-1884	40	67	(	(	PUNCT
ajbmeb-1884	40	68	youssef	youssef	PROPN
ajbmeb-1884	40	69	,	,	PUNCT
ajbmeb-1884	40	70	2008	2008	NUM
ajbmeb-1884	40	71	,	,	PUNCT
ajbmeb-1884	40	72	17	17	NUM
ajbmeb-1884	40	73	)	)	PUNCT
ajbmeb-1884	40	74	oecd	oecd	PROPN
ajbmeb-1884	40	75	,	,	PUNCT
ajbmeb-1884	40	76	2011	2011	NUM
ajbmeb-1884	40	77	,	,	PUNCT
ajbmeb-1884	40	78	13	13	NUM
ajbmeb-1884	40	79	(	(	PUNCT
ajbmeb-1884	40	80	discipline	discipline	NOUN
ajbmeb-1884	40	81	:	:	PUNCT
ajbmeb-1884	40	82	that	that	PRON
ajbmeb-1884	40	83	is	be	AUX
ajbmeb-1884	40	84	,	,	PUNCT
ajbmeb-1884	40	85	following	follow	VERB
ajbmeb-1884	40	86	appropriate	appropriate	ADJ
ajbmeb-1884	40	87	and	and	CCONJ
ajbmeb-1884	40	88	correct	correct	ADJ
ajbmeb-1884	40	89	moral	moral	ADJ
ajbmeb-1884	40	90	behavior	behavior	NOUN
ajbmeb-1884	40	91	.	.	PUNCT
ajbmeb-1884	41	1	transparency	transparency	NOUN
ajbmeb-1884	41	2	:	:	PUNCT
ajbmeb-1884	41	3	that	that	ADV
ajbmeb-1884	41	4	is	is	ADV
ajbmeb-1884	41	5	,	,	PUNCT
ajbmeb-1884	41	6	providing	provide	VERB
ajbmeb-1884	41	7	a	a	DET
ajbmeb-1884	41	8	true	true	ADJ
ajbmeb-1884	41	9	picture	picture	NOUN
ajbmeb-1884	41	10	of	of	ADP
ajbmeb-1884	41	11	everything	everything	PRON
ajbmeb-1884	41	12	that	that	PRON
ajbmeb-1884	41	13	is	be	AUX
ajbmeb-1884	41	14	happening	happen	VERB
ajbmeb-1884	41	15	.	.	PUNCT
ajbmeb-1884	42	1	independence	independence	NOUN
ajbmeb-1884	42	2	:	:	PUNCT
ajbmeb-1884	42	3	that	that	PRON
ajbmeb-1884	42	4	is	is	ADV
ajbmeb-1884	42	5	,	,	PUNCT
ajbmeb-1884	42	6	there	there	PRON
ajbmeb-1884	42	7	are	be	VERB
ajbmeb-1884	42	8	no	no	DET
ajbmeb-1884	42	9	unnecessary	unnecessary	ADJ
ajbmeb-1884	42	10	influences	influence	NOUN
ajbmeb-1884	42	11	or	or	CCONJ
ajbmeb-1884	42	12	pressures	pressure	NOUN
ajbmeb-1884	42	13	to	to	PART
ajbmeb-1884	42	14	work	work	VERB
ajbmeb-1884	42	15	.	.	PUNCT
ajbmeb-1884	43	1	accountability	accountability	NOUN
ajbmeb-1884	43	2	:	:	PUNCT
ajbmeb-1884	43	3	that	that	PRON
ajbmeb-1884	43	4	is	is	ADV
ajbmeb-1884	43	5	,	,	PUNCT
ajbmeb-1884	43	6	the	the	DET
ajbmeb-1884	43	7	ability	ability	NOUN
ajbmeb-1884	43	8	to	to	PART
ajbmeb-1884	43	9	evaluate	evaluate	VERB
ajbmeb-1884	43	10	and	and	CCONJ
ajbmeb-1884	43	11	evaluate	evaluate	VERB
ajbmeb-1884	43	12	the	the	DET
ajbmeb-1884	43	13	work	work	NOUN
ajbmeb-1884	43	14	of	of	ADP
ajbmeb-1884	43	15	the	the	DET
ajbmeb-1884	43	16	board	board	NOUN
ajbmeb-1884	43	17	of	of	ADP
ajbmeb-1884	43	18	directors	director	NOUN
ajbmeb-1884	43	19	and	and	CCONJ
ajbmeb-1884	43	20	executive	executive	ADJ
ajbmeb-1884	43	21	management	management	NOUN
ajbmeb-1884	43	22	.	.	PUNCT
ajbmeb-1884	44	1	responsibility	responsibility	NOUN
ajbmeb-1884	44	2	:	:	PUNCT
ajbmeb-1884	44	3	that	that	PRON
ajbmeb-1884	44	4	is	is	ADV
ajbmeb-1884	44	5	,	,	PUNCT
ajbmeb-1884	44	6	there	there	PRON
ajbmeb-1884	44	7	is	be	VERB
ajbmeb-1884	44	8	a	a	DET
ajbmeb-1884	44	9	responsibility	responsibility	NOUN
ajbmeb-1884	44	10	before	before	ADP
ajbmeb-1884	44	11	all	all	DET
ajbmeb-1884	44	12	stakeholders	stakeholder	NOUN
ajbmeb-1884	44	13	in	in	ADP
ajbmeb-1884	44	14	the	the	DET
ajbmeb-1884	44	15	facility	facility	NOUN
ajbmeb-1884	44	16	.	.	PUNCT
ajbmeb-1884	45	1	fairness	fairness	NOUN
ajbmeb-1884	45	2	:	:	PUNCT
ajbmeb-1884	45	3	respecting	respect	VERB
ajbmeb-1884	45	4	the	the	DET
ajbmeb-1884	45	5	rights	right	NOUN
ajbmeb-1884	45	6	of	of	ADP
ajbmeb-1884	45	7	various	various	ADJ
ajbmeb-1884	45	8	stakeholder	stakeholder	NOUN
ajbmeb-1884	45	9	groups	group	NOUN
ajbmeb-1884	45	10	in	in	ADP
ajbmeb-1884	45	11	the	the	DET
ajbmeb-1884	45	12	facility	facility	NOUN
ajbmeb-1884	45	13	.	.	PUNCT
ajbmeb-1884	46	1	social	social	ADJ
ajbmeb-1884	46	2	responsibility	responsibility	NOUN
ajbmeb-1884	46	3	:	:	PUNCT
ajbmeb-1884	46	4	that	that	PRON
ajbmeb-1884	46	5	is	is	ADV
ajbmeb-1884	46	6	,	,	PUNCT
ajbmeb-1884	46	7	viewing	view	VERB
ajbmeb-1884	46	8	the	the	DET
ajbmeb-1884	46	9	company	company	NOUN
ajbmeb-1884	46	10	as	as	ADP
ajbmeb-1884	46	11	a	a	DET
ajbmeb-1884	46	12	good	good	ADJ
ajbmeb-1884	46	13	citizen	citizen	NOUN
ajbmeb-1884	46	14	.	.	PUNCT
ajbmeb-1884	47	1	accordingly	accordingly	ADV
ajbmeb-1884	47	2	,	,	PUNCT
ajbmeb-1884	47	3	the	the	DET
ajbmeb-1884	47	4	following	follow	VERB
ajbmeb-1884	47	5	figure	figure	NOUN
ajbmeb-1884	47	6	(	(	PUNCT
ajbmeb-1884	47	7	1	1	NUM
ajbmeb-1884	47	8	)	)	PUNCT
ajbmeb-1884	47	9	represents	represent	VERB
ajbmeb-1884	47	10	the	the	DET
ajbmeb-1884	47	11	most	most	ADV
ajbmeb-1884	47	12	important	important	ADJ
ajbmeb-1884	47	13	principles	principle	NOUN
ajbmeb-1884	47	14	of	of	ADP
ajbmeb-1884	47	15	corporate	corporate	ADJ
ajbmeb-1884	47	16	governance	governance	NOUN
ajbmeb-1884	47	17	american	american	ADJ
ajbmeb-1884	47	18	journal	journal	PROPN
ajbmeb-1884	47	19	of	of	ADP
ajbmeb-1884	47	20	business	business	NOUN
ajbmeb-1884	47	21	management	management	NOUN
ajbmeb-1884	47	22	,	,	PUNCT
ajbmeb-1884	47	23	economics	economic	NOUN
ajbmeb-1884	47	24	and	and	CCONJ
ajbmeb-1884	47	25	banking	banking	NOUN
ajbmeb-1884	47	26	volume	volume	NOUN
ajbmeb-1884	47	27	21	21	NUM
ajbmeb-1884	47	28	february	february	PROPN
ajbmeb-1884	47	29	,	,	PUNCT
ajbmeb-1884	47	30	2024	2024	NUM
ajbmeb-1884	47	31	p	p	NOUN
ajbmeb-1884	47	32	a	a	DET
ajbmeb-1884	47	33	g	g	NOUN
ajbmeb-1884	47	34	e	e	NOUN
ajbmeb-1884	47	35	|	|	NOUN
ajbmeb-1884	47	36	81	81	NUM
ajbmeb-1884	47	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	47	38	source	source	NOUN
ajbmeb-1884	47	39	:	:	PUNCT
ajbmeb-1884	47	40	http://www.cipe-arabia.org/	http://www.cipe-arabia.org/	X
ajbmeb-1884	47	41	it	it	PRON
ajbmeb-1884	47	42	must	must	AUX
ajbmeb-1884	47	43	be	be	AUX
ajbmeb-1884	47	44	noted	note	VERB
ajbmeb-1884	47	45	that	that	SCONJ
ajbmeb-1884	47	46	in	in	ADP
ajbmeb-1884	47	47	recent	recent	ADJ
ajbmeb-1884	47	48	times	time	NOUN
ajbmeb-1884	47	49	the	the	DET
ajbmeb-1884	47	50	importance	importance	NOUN
ajbmeb-1884	47	51	of	of	ADP
ajbmeb-1884	47	52	corporate	corporate	ADJ
ajbmeb-1884	47	53	governance	governance	NOUN
ajbmeb-1884	47	54	has	have	AUX
ajbmeb-1884	47	55	increased	increase	VERB
ajbmeb-1884	47	56	significantly	significantly	ADV
ajbmeb-1884	47	57	for	for	ADP
ajbmeb-1884	47	58	achieving	achieve	VERB
ajbmeb-1884	47	59	economic	economic	ADJ
ajbmeb-1884	47	60	development	development	NOUN
ajbmeb-1884	47	61	,	,	PUNCT
ajbmeb-1884	47	62	legal	legal	ADJ
ajbmeb-1884	47	63	prudence	prudence	NOUN
ajbmeb-1884	47	64	,	,	PUNCT
ajbmeb-1884	47	65	and	and	CCONJ
ajbmeb-1884	47	66	social	social	ADJ
ajbmeb-1884	47	67	well	well	ADV
ajbmeb-1884	47	68	-	-	PUNCT
ajbmeb-1884	47	69	being	being	NOUN
ajbmeb-1884	47	70	for	for	ADP
ajbmeb-1884	47	71	economies	economy	NOUN
ajbmeb-1884	47	72	and	and	CCONJ
ajbmeb-1884	47	73	societies	society	NOUN
ajbmeb-1884	47	74	around	around	ADP
ajbmeb-1884	47	75	the	the	DET
ajbmeb-1884	47	76	world	world	NOUN
ajbmeb-1884	47	77	.	.	PUNCT
ajbmeb-1884	48	1	the	the	DET
ajbmeb-1884	48	2	second	second	ADJ
ajbmeb-1884	48	3	topic	topic	NOUN
ajbmeb-1884	48	4	corporate	corporate	ADJ
ajbmeb-1884	48	5	governance	governance	NOUN
ajbmeb-1884	48	6	applications	application	NOUN
ajbmeb-1884	48	7	in	in	ADP
ajbmeb-1884	48	8	banks	bank	NOUN
ajbmeb-1884	48	9	the	the	DET
ajbmeb-1884	48	10	most	most	ADV
ajbmeb-1884	48	11	important	important	ADJ
ajbmeb-1884	48	12	characteristic	characteristic	NOUN
ajbmeb-1884	48	13	of	of	ADP
ajbmeb-1884	48	14	banking	banking	NOUN
ajbmeb-1884	48	15	activity	activity	NOUN
ajbmeb-1884	48	16	is	be	AUX
ajbmeb-1884	48	17	how	how	SCONJ
ajbmeb-1884	48	18	risks	risk	NOUN
ajbmeb-1884	48	19	are	be	AUX
ajbmeb-1884	48	20	managed	manage	VERB
ajbmeb-1884	48	21	and	and	CCONJ
ajbmeb-1884	48	22	not	not	PART
ajbmeb-1884	48	23	avoided	avoid	VERB
ajbmeb-1884	48	24	.	.	PUNCT
ajbmeb-1884	49	1	hence	hence	ADV
ajbmeb-1884	49	2	the	the	DET
ajbmeb-1884	49	3	importance	importance	NOUN
ajbmeb-1884	49	4	of	of	ADP
ajbmeb-1884	49	5	describing	describe	VERB
ajbmeb-1884	49	6	,	,	PUNCT
ajbmeb-1884	49	7	measuring	measure	VERB
ajbmeb-1884	49	8	and	and	CCONJ
ajbmeb-1884	49	9	disclosing	disclose	VERB
ajbmeb-1884	49	10	these	these	DET
ajbmeb-1884	49	11	risks	risk	NOUN
ajbmeb-1884	49	12	in	in	ADP
ajbmeb-1884	49	13	a	a	DET
ajbmeb-1884	49	14	way	way	NOUN
ajbmeb-1884	49	15	that	that	PRON
ajbmeb-1884	49	16	enables	enable	VERB
ajbmeb-1884	49	17	users	user	NOUN
ajbmeb-1884	49	18	of	of	ADP
ajbmeb-1884	49	19	financial	financial	ADJ
ajbmeb-1884	49	20	statements	statement	NOUN
ajbmeb-1884	49	21	to	to	PART
ajbmeb-1884	49	22	judge	judge	VERB
ajbmeb-1884	49	23	the	the	DET
ajbmeb-1884	49	24	extent	extent	NOUN
ajbmeb-1884	49	25	of	of	ADP
ajbmeb-1884	49	26	the	the	DET
ajbmeb-1884	49	27	bank	bank	NOUN
ajbmeb-1884	49	28	’s	’s	PART
ajbmeb-1884	49	29	ability	ability	NOUN
ajbmeb-1884	49	30	to	to	PART
ajbmeb-1884	49	31	manage	manage	VERB
ajbmeb-1884	49	32	and	and	CCONJ
ajbmeb-1884	49	33	control	control	VERB
ajbmeb-1884	49	34	risks	risk	NOUN
ajbmeb-1884	49	35	.	.	PUNCT
ajbmeb-1884	50	1	(	(	PUNCT
ajbmeb-1884	50	2	miraj	miraj	PROPN
ajbmeb-1884	50	3	and	and	CCONJ
ajbmeb-1884	50	4	ahmed	ahmed	PROPN
ajbmeb-1884	50	5	,	,	PUNCT
ajbmeb-1884	50	6	2009	2009	NUM
ajbmeb-1884	50	7	,	,	PUNCT
ajbmeb-1884	50	8	14	14	NUM
ajbmeb-1884	50	9	)	)	PUNCT
ajbmeb-1884	50	10	(	(	PUNCT
ajbmeb-1884	50	11	monitoring	monitor	VERB
ajbmeb-1884	50	12	performance	performance	NOUN
ajbmeb-1884	50	13	by	by	ADP
ajbmeb-1884	50	14	the	the	DET
ajbmeb-1884	50	15	board	board	NOUN
ajbmeb-1884	50	16	of	of	ADP
ajbmeb-1884	50	17	directors	director	NOUN
ajbmeb-1884	50	18	and	and	CCONJ
ajbmeb-1884	50	19	senior	senior	ADJ
ajbmeb-1884	50	20	management	management	NOUN
ajbmeb-1884	50	21	of	of	ADP
ajbmeb-1884	50	22	the	the	DET
ajbmeb-1884	50	23	bank	bank	NOUN
ajbmeb-1884	50	24	,	,	PUNCT
ajbmeb-1884	50	25	protecting	protect	VERB
ajbmeb-1884	50	26	the	the	DET
ajbmeb-1884	50	27	rights	right	NOUN
ajbmeb-1884	50	28	of	of	ADP
ajbmeb-1884	50	29	shareholders	shareholder	NOUN
ajbmeb-1884	50	30	and	and	CCONJ
ajbmeb-1884	50	31	depositors	depositor	NOUN
ajbmeb-1884	50	32	,	,	PUNCT
ajbmeb-1884	50	33	in	in	ADP
ajbmeb-1884	50	34	addition	addition	NOUN
ajbmeb-1884	50	35	to	to	ADP
ajbmeb-1884	50	36	paying	pay	VERB
ajbmeb-1884	50	37	attention	attention	NOUN
ajbmeb-1884	50	38	to	to	ADP
ajbmeb-1884	50	39	their	their	PRON
ajbmeb-1884	50	40	relationship	relationship	NOUN
ajbmeb-1884	50	41	with	with	ADP
ajbmeb-1884	50	42	external	external	ADJ
ajbmeb-1884	50	43	actors	actor	NOUN
ajbmeb-1884	50	44	,	,	PUNCT
ajbmeb-1884	50	45	which	which	PRON
ajbmeb-1884	50	46	is	be	AUX
ajbmeb-1884	50	47	determined	determine	VERB
ajbmeb-1884	50	48	through	through	ADP
ajbmeb-1884	50	49	the	the	DET
ajbmeb-1884	50	50	regulatory	regulatory	ADJ
ajbmeb-1884	50	51	framework	framework	NOUN
ajbmeb-1884	50	52	and	and	CCONJ
ajbmeb-1884	50	53	the	the	DET
ajbmeb-1884	50	54	powers	power	NOUN
ajbmeb-1884	50	55	of	of	ADP
ajbmeb-1884	50	56	the	the	DET
ajbmeb-1884	50	57	supervisory	supervisory	ADJ
ajbmeb-1884	50	58	body	body	NOUN
ajbmeb-1884	50	59	.	.	PUNCT
ajbmeb-1884	51	1	governance	governance	NOUN
ajbmeb-1884	51	2	in	in	ADP
ajbmeb-1884	51	3	the	the	DET
ajbmeb-1884	51	4	banking	banking	NOUN
ajbmeb-1884	51	5	system	system	NOUN
ajbmeb-1884	51	6	applies	apply	VERB
ajbmeb-1884	51	7	to	to	ADP
ajbmeb-1884	51	8	public	public	ADJ
ajbmeb-1884	51	9	banks	bank	NOUN
ajbmeb-1884	51	10	,	,	PUNCT
ajbmeb-1884	51	11	private	private	ADJ
ajbmeb-1884	51	12	and	and	CCONJ
ajbmeb-1884	51	13	joint	joint	ADJ
ajbmeb-1884	51	14	banks	bank	NOUN
ajbmeb-1884	51	15	)	)	PUNCT
ajbmeb-1884	51	16	(	(	PUNCT
ajbmeb-1884	51	17	youssef	youssef	PROPN
ajbmeb-1884	51	18	,	,	PUNCT
ajbmeb-1884	51	19	2008	2008	NUM
ajbmeb-1884	51	20	,	,	PUNCT
ajbmeb-1884	51	21	20	20	NUM
ajbmeb-1884	51	22	)	)	PUNCT
ajbmeb-1884	51	23	as	as	SCONJ
ajbmeb-1884	51	24	you	you	PRON
ajbmeb-1884	51	25	know	know	VERB
ajbmeb-1884	51	26	,	,	PUNCT
ajbmeb-1884	51	27	it	it	PRON
ajbmeb-1884	51	28	is	be	AUX
ajbmeb-1884	51	29	the	the	DET
ajbmeb-1884	51	30	rational	rational	ADJ
ajbmeb-1884	51	31	exercise	exercise	NOUN
ajbmeb-1884	51	32	of	of	ADP
ajbmeb-1884	51	33	management	management	NOUN
ajbmeb-1884	51	34	powers	power	NOUN
ajbmeb-1884	51	35	by	by	ADP
ajbmeb-1884	51	36	relying	rely	VERB
ajbmeb-1884	51	37	on	on	ADP
ajbmeb-1884	51	38	the	the	DET
ajbmeb-1884	51	39	laws	law	NOUN
ajbmeb-1884	51	40	,	,	PUNCT
ajbmeb-1884	51	41	standards	standard	NOUN
ajbmeb-1884	51	42	and	and	CCONJ
ajbmeb-1884	51	43	regulating	regulate	VERB
ajbmeb-1884	51	44	rules	rule	NOUN
ajbmeb-1884	51	45	that	that	PRON
ajbmeb-1884	51	46	define	define	VERB
ajbmeb-1884	51	47	the	the	DET
ajbmeb-1884	51	48	relationship	relationship	NOUN
ajbmeb-1884	51	49	between	between	ADP
ajbmeb-1884	51	50	the	the	DET
ajbmeb-1884	51	51	company	company	NOUN
ajbmeb-1884	51	52	’s	’s	PART
ajbmeb-1884	51	53	management	management	NOUN
ajbmeb-1884	51	54	on	on	ADP
ajbmeb-1884	51	55	the	the	DET
ajbmeb-1884	51	56	one	one	NUM
ajbmeb-1884	51	57	hand	hand	NOUN
ajbmeb-1884	51	58	and	and	CCONJ
ajbmeb-1884	51	59	its	its	PRON
ajbmeb-1884	51	60	shareholders	shareholder	NOUN
ajbmeb-1884	51	61	.	.	PUNCT
ajbmeb-1884	52	1	shares	share	NOUN
ajbmeb-1884	52	2	and	and	CCONJ
ajbmeb-1884	52	3	stakeholders	stakeholder	NOUN
ajbmeb-1884	52	4	or	or	CCONJ
ajbmeb-1884	52	5	related	related	ADJ
ajbmeb-1884	52	6	parties	party	NOUN
ajbmeb-1884	52	7	on	on	ADP
ajbmeb-1884	52	8	the	the	DET
ajbmeb-1884	52	9	other	other	ADJ
ajbmeb-1884	52	10	hand	hand	NOUN
ajbmeb-1884	52	11	.	.	PUNCT
ajbmeb-1884	53	1	(	(	PUNCT
ajbmeb-1884	53	2	sami	sami	PROPN
ajbmeb-1884	53	3	,	,	PUNCT
ajbmeb-1884	53	4	2005	2005	NUM
ajbmeb-1884	53	5	,	,	PUNCT
ajbmeb-1884	53	6	86	86	NUM
ajbmeb-1884	53	7	)	)	PUNCT
ajbmeb-1884	53	8	(	(	PUNCT
ajbmeb-1884	53	9	muhammad	muhammad	PROPN
ajbmeb-1884	53	10	,	,	PUNCT
ajbmeb-1884	53	11	258	258	NUM
ajbmeb-1884	53	12	,	,	PUNCT
ajbmeb-1884	53	13	2013	2013	NUM
ajbmeb-1884	53	14	)	)	PUNCT
ajbmeb-1884	53	15	first	first	ADV
ajbmeb-1884	53	16	:	:	PUNCT
ajbmeb-1884	53	17	the	the	DET
ajbmeb-1884	53	18	proposed	propose	VERB
ajbmeb-1884	53	19	model	model	NOUN
ajbmeb-1884	53	20	for	for	ADP
ajbmeb-1884	53	21	governance	governance	NOUN
ajbmeb-1884	53	22	applications	application	NOUN
ajbmeb-1884	53	23	in	in	ADP
ajbmeb-1884	53	24	iraqi	iraqi	ADJ
ajbmeb-1884	53	25	banks	bank	NOUN
ajbmeb-1884	53	26	:	:	PUNCT
ajbmeb-1884	53	27	we	we	PRON
ajbmeb-1884	53	28	will	will	AUX
ajbmeb-1884	53	29	analyze	analyze	VERB
ajbmeb-1884	53	30	the	the	DET
ajbmeb-1884	53	31	results	result	NOUN
ajbmeb-1884	53	32	of	of	ADP
ajbmeb-1884	53	33	applying	apply	VERB
ajbmeb-1884	53	34	governance	governance	NOUN
ajbmeb-1884	53	35	to	to	ADP
ajbmeb-1884	53	36	the	the	DET
ajbmeb-1884	53	37	financial	financial	ADJ
ajbmeb-1884	53	38	crisis	crisis	NOUN
ajbmeb-1884	53	39	in	in	ADP
ajbmeb-1884	53	40	the	the	DET
ajbmeb-1884	53	41	form	form	NOUN
ajbmeb-1884	53	42	of	of	ADP
ajbmeb-1884	53	43	indicators	indicator	NOUN
ajbmeb-1884	53	44	of	of	ADP
ajbmeb-1884	53	45	measurement	measurement	NOUN
ajbmeb-1884	53	46	levels	level	NOUN
ajbmeb-1884	53	47	through	through	ADP
ajbmeb-1884	53	48	the	the	DET
ajbmeb-1884	53	49	proposed	propose	VERB
ajbmeb-1884	53	50	model	model	NOUN
ajbmeb-1884	53	51	,	,	PUNCT
ajbmeb-1884	53	52	adapted	adapt	VERB
ajbmeb-1884	53	53	from	from	ADP
ajbmeb-1884	53	54	(	(	PUNCT
ajbmeb-1884	53	55	al	al	PROPN
ajbmeb-1884	53	56	-	-	PROPN
ajbmeb-1884	53	57	jubouri	jubouri	PROPN
ajbmeb-1884	53	58	2007	2007	NUM
ajbmeb-1884	53	59	,	,	PUNCT
ajbmeb-1884	53	60	91	91	NUM
ajbmeb-1884	53	61	)	)	PUNCT
ajbmeb-1884	53	62	.	.	PUNCT
ajbmeb-1884	54	1	american	american	PROPN
ajbmeb-1884	54	2	journal	journal	PROPN
ajbmeb-1884	54	3	of	of	ADP
ajbmeb-1884	54	4	business	business	NOUN
ajbmeb-1884	54	5	management	management	NOUN
ajbmeb-1884	54	6	,	,	PUNCT
ajbmeb-1884	54	7	economics	economic	NOUN
ajbmeb-1884	54	8	and	and	CCONJ
ajbmeb-1884	54	9	banking	banking	NOUN
ajbmeb-1884	54	10	volume	volume	NOUN
ajbmeb-1884	54	11	21	21	NUM
ajbmeb-1884	54	12	february	february	PROPN
ajbmeb-1884	54	13	,	,	PUNCT
ajbmeb-1884	54	14	2024	2024	NUM
ajbmeb-1884	54	15	p	p	NOUN
ajbmeb-1884	54	16	a	a	DET
ajbmeb-1884	54	17	g	g	NOUN
ajbmeb-1884	54	18	e	e	NOUN
ajbmeb-1884	54	19	|	|	ADV
ajbmeb-1884	54	20	82	82	NUM
ajbmeb-1884	54	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	54	22	table	table	NOUN
ajbmeb-1884	54	23	no	no	INTJ
ajbmeb-1884	54	24	.	.	PUNCT
ajbmeb-1884	55	1	(	(	PUNCT
ajbmeb-1884	55	2	1	1	X
ajbmeb-1884	55	3	)	)	PUNCT
ajbmeb-1884	55	4	second	second	ADJ
ajbmeb-1884	55	5	:	:	PUNCT
ajbmeb-1884	55	6	applications	application	NOUN
ajbmeb-1884	55	7	of	of	ADP
ajbmeb-1884	55	8	governance	governance	NOUN
ajbmeb-1884	55	9	to	to	ADP
ajbmeb-1884	55	10	the	the	DET
ajbmeb-1884	55	11	financial	financial	ADJ
ajbmeb-1884	55	12	crisis	crisis	NOUN
ajbmeb-1884	55	13	in	in	ADP
ajbmeb-1884	55	14	the	the	DET
ajbmeb-1884	55	15	iraqi	iraqi	ADJ
ajbmeb-1884	55	16	middle	middle	PROPN
ajbmeb-1884	55	17	east	east	PROPN
ajbmeb-1884	55	18	investment	investment	PROPN
ajbmeb-1884	55	19	bank	bank	PROPN
ajbmeb-1884	55	20	(	(	PUNCT
ajbmeb-1884	55	21	indicators	indicator	NOUN
ajbmeb-1884	55	22	and	and	CCONJ
ajbmeb-1884	55	23	topics	topic	NOUN
ajbmeb-1884	55	24	1honesty	1honesty	NUM
ajbmeb-1884	55	25	integrity	integrity	NOUN
ajbmeb-1884	55	26	:	:	PUNCT
ajbmeb-1884	55	27	some	some	DET
ajbmeb-1884	55	28	principles	principle	NOUN
ajbmeb-1884	55	29	have	have	AUX
ajbmeb-1884	55	30	been	be	AUX
ajbmeb-1884	55	31	applied	apply	VERB
ajbmeb-1884	55	32	as	as	ADP
ajbmeb-1884	55	33	a	a	DET
ajbmeb-1884	55	34	basis	basis	NOUN
ajbmeb-1884	55	35	for	for	ADP
ajbmeb-1884	55	36	preventing	prevent	VERB
ajbmeb-1884	55	37	corruption	corruption	NOUN
ajbmeb-1884	55	38	and	and	CCONJ
ajbmeb-1884	55	39	bribery	bribery	NOUN
ajbmeb-1884	55	40	in	in	ADP
ajbmeb-1884	55	41	the	the	DET
ajbmeb-1884	55	42	work	work	NOUN
ajbmeb-1884	55	43	of	of	ADP
ajbmeb-1884	55	44	the	the	DET
ajbmeb-1884	55	45	iraqi	iraqi	ADJ
ajbmeb-1884	55	46	middle	middle	PROPN
ajbmeb-1884	55	47	east	east	PROPN
ajbmeb-1884	55	48	investment	investment	PROPN
ajbmeb-1884	55	49	bank	bank	NOUN
ajbmeb-1884	55	50	,	,	PUNCT
ajbmeb-1884	55	51	whether	whether	SCONJ
ajbmeb-1884	55	52	at	at	ADP
ajbmeb-1884	55	53	the	the	DET
ajbmeb-1884	55	54	level	level	NOUN
ajbmeb-1884	55	55	of	of	ADP
ajbmeb-1884	55	56	internal	internal	ADJ
ajbmeb-1884	55	57	or	or	CCONJ
ajbmeb-1884	55	58	external	external	ADJ
ajbmeb-1884	55	59	transactions	transaction	NOUN
ajbmeb-1884	55	60	.	.	PUNCT
ajbmeb-1884	56	1	these	these	DET
ajbmeb-1884	56	2	principles	principle	NOUN
ajbmeb-1884	56	3	are	be	AUX
ajbmeb-1884	56	4	:	:	PUNCT
ajbmeb-1884	56	5	(	(	PUNCT
ajbmeb-1884	56	6	integrity	integrity	NOUN
ajbmeb-1884	56	7	and	and	CCONJ
ajbmeb-1884	56	8	justice	justice	NOUN
ajbmeb-1884	56	9	,	,	PUNCT
ajbmeb-1884	56	10	confidentiality	confidentiality	NOUN
ajbmeb-1884	56	11	and	and	CCONJ
ajbmeb-1884	56	12	privacy	privacy	NOUN
ajbmeb-1884	56	13	,	,	PUNCT
ajbmeb-1884	56	14	professionalism	professionalism	NOUN
ajbmeb-1884	56	15	and	and	CCONJ
ajbmeb-1884	56	16	professionalism	professionalism	NOUN
ajbmeb-1884	56	17	,	,	PUNCT
ajbmeb-1884	56	18	adherence	adherence	NOUN
ajbmeb-1884	56	19	to	to	ADP
ajbmeb-1884	56	20	directives	directive	NOUN
ajbmeb-1884	56	21	,	,	PUNCT
ajbmeb-1884	56	22	follow	follow	VERB
ajbmeb-1884	56	23	-	-	PUNCT
ajbmeb-1884	56	24	up	up	NOUN
ajbmeb-1884	56	25	of	of	ADP
ajbmeb-1884	56	26	proper	proper	ADJ
ajbmeb-1884	56	27	implementation	implementation	NOUN
ajbmeb-1884	56	28	procedures	procedure	NOUN
ajbmeb-1884	56	29	,	,	PUNCT
ajbmeb-1884	56	30	and	and	CCONJ
ajbmeb-1884	56	31	transparency	transparency	NOUN
ajbmeb-1884	56	32	of	of	ADP
ajbmeb-1884	56	33	operations	operation	NOUN
ajbmeb-1884	56	34	.	.	PUNCT
ajbmeb-1884	57	1	and	and	CCONJ
ajbmeb-1884	57	2	distinguished	distinguished	ADJ
ajbmeb-1884	57	3	customer	customer	NOUN
ajbmeb-1884	57	4	service	service	NOUN
ajbmeb-1884	57	5	,	,	PUNCT
ajbmeb-1884	57	6	promoting	promote	VERB
ajbmeb-1884	57	7	the	the	DET
ajbmeb-1884	57	8	bank	bank	NOUN
ajbmeb-1884	57	9	’s	’s	PART
ajbmeb-1884	57	10	services	service	NOUN
ajbmeb-1884	57	11	,	,	PUNCT
ajbmeb-1884	57	12	operations	operation	NOUN
ajbmeb-1884	57	13	that	that	PRON
ajbmeb-1884	57	14	raise	raise	VERB
ajbmeb-1884	57	15	suspicion	suspicion	NOUN
ajbmeb-1884	57	16	,	,	PUNCT
ajbmeb-1884	57	17	collecting	collect	VERB
ajbmeb-1884	57	18	and	and	CCONJ
ajbmeb-1884	57	19	retaining	retain	VERB
ajbmeb-1884	57	20	information	information	NOUN
ajbmeb-1884	57	21	about	about	ADP
ajbmeb-1884	57	22	customers	customer	NOUN
ajbmeb-1884	57	23	,	,	PUNCT
ajbmeb-1884	57	24	dealing	deal	VERB
ajbmeb-1884	57	25	with	with	ADP
ajbmeb-1884	57	26	customer	customer	NOUN
ajbmeb-1884	57	27	complaints	complaint	NOUN
ajbmeb-1884	57	28	,	,	PUNCT
ajbmeb-1884	57	29	internal	internal	ADJ
ajbmeb-1884	57	30	relations	relation	NOUN
ajbmeb-1884	57	31	in	in	ADP
ajbmeb-1884	57	32	the	the	DET
ajbmeb-1884	57	33	bank	bank	NOUN
ajbmeb-1884	57	34	,	,	PUNCT
ajbmeb-1884	57	35	and	and	CCONJ
ajbmeb-1884	57	36	exchanging	exchange	VERB
ajbmeb-1884	57	37	tasks	task	NOUN
ajbmeb-1884	57	38	and	and	CCONJ
ajbmeb-1884	57	39	rotation	rotation	NOUN
ajbmeb-1884	57	40	with	with	ADP
ajbmeb-1884	57	41	other	other	ADJ
ajbmeb-1884	57	42	parties	party	NOUN
ajbmeb-1884	57	43	)	)	PUNCT
ajbmeb-1884	57	44	are	be	AUX
ajbmeb-1884	57	45	considered	consider	VERB
ajbmeb-1884	57	46	sub	sub	NOUN
ajbmeb-1884	57	47	-	-	NOUN
ajbmeb-1884	57	48	principles	principle	NOUN
ajbmeb-1884	57	49	of	of	ADP
ajbmeb-1884	57	50	the	the	DET
ajbmeb-1884	57	51	original	original	ADJ
ajbmeb-1884	57	52	principles	principle	NOUN
ajbmeb-1884	57	53	of	of	ADP
ajbmeb-1884	57	54	governance	governance	NOUN
ajbmeb-1884	57	55	issued	issue	VERB
ajbmeb-1884	57	56	by	by	ADP
ajbmeb-1884	57	57	the	the	DET
ajbmeb-1884	57	58	basel	basel	PROPN
ajbmeb-1884	57	59	ii	ii	PROPN
ajbmeb-1884	57	60	committee	committee	PROPN
ajbmeb-1884	57	61	.	.	PUNCT
ajbmeb-1884	58	1	transparency	transparency	NOUN
ajbmeb-1884	58	2	and	and	CCONJ
ajbmeb-1884	58	3	accountability	accountability	NOUN
ajbmeb-1884	58	4	:	:	PUNCT
ajbmeb-1884	58	5	the	the	DET
ajbmeb-1884	58	6	bank	bank	NOUN
ajbmeb-1884	58	7	follows	follow	VERB
ajbmeb-1884	58	8	most	most	ADJ
ajbmeb-1884	58	9	of	of	ADP
ajbmeb-1884	58	10	the	the	DET
ajbmeb-1884	58	11	principles	principle	NOUN
ajbmeb-1884	58	12	related	relate	VERB
ajbmeb-1884	58	13	to	to	ADP
ajbmeb-1884	58	14	transparency	transparency	NOUN
ajbmeb-1884	58	15	and	and	CCONJ
ajbmeb-1884	58	16	accountability	accountability	NOUN
ajbmeb-1884	58	17	,	,	PUNCT
ajbmeb-1884	58	18	as	as	SCONJ
ajbmeb-1884	58	19	it	it	PRON
ajbmeb-1884	58	20	is	be	AUX
ajbmeb-1884	58	21	impossible	impossible	ADJ
ajbmeb-1884	58	22	,	,	PUNCT
ajbmeb-1884	58	23	in	in	ADP
ajbmeb-1884	58	24	the	the	DET
ajbmeb-1884	58	25	event	event	NOUN
ajbmeb-1884	58	26	of	of	ADP
ajbmeb-1884	58	27	a	a	DET
ajbmeb-1884	58	28	lack	lack	NOUN
ajbmeb-1884	58	29	of	of	ADP
ajbmeb-1884	58	30	transparency	transparency	NOUN
ajbmeb-1884	58	31	,	,	PUNCT
ajbmeb-1884	58	32	to	to	PART
ajbmeb-1884	58	33	hold	hold	VERB
ajbmeb-1884	58	34	board	board	NOUN
ajbmeb-1884	58	35	members	member	NOUN
ajbmeb-1884	58	36	accountable	accountable	ADJ
ajbmeb-1884	58	37	or	or	CCONJ
ajbmeb-1884	58	38	to	to	PART
ajbmeb-1884	58	39	support	support	VERB
ajbmeb-1884	58	40	the	the	DET
ajbmeb-1884	58	41	market	market	NOUN
ajbmeb-1884	58	42	to	to	PART
ajbmeb-1884	58	43	help	help	VERB
ajbmeb-1884	58	44	correct	correct	VERB
ajbmeb-1884	58	45	the	the	DET
ajbmeb-1884	58	46	mistakes	mistake	NOUN
ajbmeb-1884	58	47	of	of	ADP
ajbmeb-1884	58	48	bank	bank	NOUN
ajbmeb-1884	58	49	members	member	NOUN
ajbmeb-1884	58	50	if	if	SCONJ
ajbmeb-1884	58	51	sufficient	sufficient	ADJ
ajbmeb-1884	58	52	data	datum	NOUN
ajbmeb-1884	58	53	is	be	AUX
ajbmeb-1884	58	54	not	not	PART
ajbmeb-1884	58	55	disclosed	disclose	VERB
ajbmeb-1884	58	56	.	.	PUNCT
ajbmeb-1884	59	1	attention	attention	NOUN
ajbmeb-1884	59	2	to	to	ADP
ajbmeb-1884	59	3	results	result	NOUN
ajbmeb-1884	59	4	:	:	PUNCT
ajbmeb-1884	59	5	the	the	DET
ajbmeb-1884	59	6	bank	bank	NOUN
ajbmeb-1884	59	7	is	be	AUX
ajbmeb-1884	59	8	one	one	NUM
ajbmeb-1884	59	9	of	of	ADP
ajbmeb-1884	59	10	the	the	DET
ajbmeb-1884	59	11	iraqi	iraqi	ADJ
ajbmeb-1884	59	12	banks	bank	NOUN
ajbmeb-1884	59	13	most	most	ADV
ajbmeb-1884	59	14	concerned	concerned	ADJ
ajbmeb-1884	59	15	with	with	ADP
ajbmeb-1884	59	16	results	result	NOUN
ajbmeb-1884	59	17	,	,	PUNCT
ajbmeb-1884	59	18	as	as	SCONJ
ajbmeb-1884	59	19	most	most	ADJ
ajbmeb-1884	59	20	of	of	ADP
ajbmeb-1884	59	21	its	its	PRON
ajbmeb-1884	59	22	dealings	dealing	NOUN
ajbmeb-1884	59	23	with	with	ADP
ajbmeb-1884	59	24	the	the	DET
ajbmeb-1884	59	25	public	public	NOUN
ajbmeb-1884	59	26	take	take	VERB
ajbmeb-1884	59	27	place	place	NOUN
ajbmeb-1884	59	28	through	through	ADP
ajbmeb-1884	59	29	its	its	PRON
ajbmeb-1884	59	30	branches	branch	NOUN
ajbmeb-1884	59	31	,	,	PUNCT
ajbmeb-1884	59	32	and	and	CCONJ
ajbmeb-1884	59	33	therefore	therefore	ADV
ajbmeb-1884	59	34	it	it	PRON
ajbmeb-1884	59	35	must	must	AUX
ajbmeb-1884	59	36	be	be	AUX
ajbmeb-1884	59	37	concerned	concern	VERB
ajbmeb-1884	59	38	with	with	ADP
ajbmeb-1884	59	39	achieving	achieve	VERB
ajbmeb-1884	59	40	profits	profit	NOUN
ajbmeb-1884	59	41	for	for	ADP
ajbmeb-1884	59	42	shareholders	shareholder	NOUN
ajbmeb-1884	59	43	.	.	PUNCT
ajbmeb-1884	60	1	if	if	SCONJ
ajbmeb-1884	60	2	the	the	DET
ajbmeb-1884	60	3	bank	bank	NOUN
ajbmeb-1884	60	4	fails	fail	VERB
ajbmeb-1884	60	5	to	to	PART
ajbmeb-1884	60	6	achieve	achieve	VERB
ajbmeb-1884	60	7	profits	profit	NOUN
ajbmeb-1884	60	8	year	year	NOUN
ajbmeb-1884	60	9	after	after	ADP
ajbmeb-1884	60	10	year	year	NOUN
ajbmeb-1884	60	11	,	,	PUNCT
ajbmeb-1884	60	12	the	the	DET
ajbmeb-1884	60	13	reason	reason	NOUN
ajbmeb-1884	60	14	for	for	ADP
ajbmeb-1884	60	15	this	this	PRON
ajbmeb-1884	60	16	is	be	AUX
ajbmeb-1884	60	17	due	due	ADJ
ajbmeb-1884	60	18	to	to	ADP
ajbmeb-1884	60	19	mismanagement	mismanagement	NOUN
ajbmeb-1884	60	20	,	,	PUNCT
ajbmeb-1884	60	21	corruption	corruption	NOUN
ajbmeb-1884	60	22	,	,	PUNCT
ajbmeb-1884	60	23	and	and	CCONJ
ajbmeb-1884	60	24	the	the	DET
ajbmeb-1884	60	25	absence	absence	NOUN
ajbmeb-1884	60	26	of	of	ADP
ajbmeb-1884	60	27	conscious	conscious	ADJ
ajbmeb-1884	60	28	management	management	NOUN
ajbmeb-1884	60	29	with	with	ADP
ajbmeb-1884	60	30	a	a	DET
ajbmeb-1884	60	31	clear	clear	ADJ
ajbmeb-1884	60	32	strategic	strategic	ADJ
ajbmeb-1884	60	33	vision	vision	NOUN
ajbmeb-1884	60	34	.	.	PUNCT
ajbmeb-1884	61	1	2public	2public	NUM
ajbmeb-1884	61	2	policy	policy	NOUN
ajbmeb-1884	61	3	basic	basic	ADJ
ajbmeb-1884	61	4	objectives	objective	NOUN
ajbmeb-1884	61	5	:	:	PUNCT
ajbmeb-1884	61	6	as	as	ADP
ajbmeb-1884	61	7	a	a	DET
ajbmeb-1884	61	8	private	private	ADJ
ajbmeb-1884	61	9	sector	sector	NOUN
ajbmeb-1884	61	10	bank	bank	NOUN
ajbmeb-1884	61	11	,	,	PUNCT
ajbmeb-1884	61	12	its	its	PRON
ajbmeb-1884	61	13	primary	primary	ADJ
ajbmeb-1884	61	14	objective	objective	NOUN
ajbmeb-1884	61	15	is	be	AUX
ajbmeb-1884	61	16	to	to	PART
ajbmeb-1884	61	17	provide	provide	VERB
ajbmeb-1884	61	18	the	the	DET
ajbmeb-1884	61	19	appropriate	appropriate	ADJ
ajbmeb-1884	61	20	service	service	NOUN
ajbmeb-1884	61	21	to	to	ADP
ajbmeb-1884	61	22	the	the	DET
ajbmeb-1884	61	23	public	public	ADJ
ajbmeb-1884	61	24	(	(	PUNCT
ajbmeb-1884	61	25	investment	investment	NOUN
ajbmeb-1884	61	26	)	)	PUNCT
ajbmeb-1884	61	27	while	while	SCONJ
ajbmeb-1884	61	28	achieving	achieve	VERB
ajbmeb-1884	61	29	profit	profit	NOUN
ajbmeb-1884	61	30	,	,	PUNCT
ajbmeb-1884	61	31	security	security	NOUN
ajbmeb-1884	61	32	and	and	CCONJ
ajbmeb-1884	61	33	liquidity	liquidity	NOUN
ajbmeb-1884	61	34	as	as	ADP
ajbmeb-1884	61	35	basic	basic	ADJ
ajbmeb-1884	61	36	objectives	objective	NOUN
ajbmeb-1884	61	37	for	for	ADP
ajbmeb-1884	61	38	any	any	DET
ajbmeb-1884	61	39	bank	bank	NOUN
ajbmeb-1884	61	40	,	,	PUNCT
ajbmeb-1884	61	41	as	as	SCONJ
ajbmeb-1884	61	42	its	its	PRON
ajbmeb-1884	61	43	lending	lending	NOUN
ajbmeb-1884	61	44	activity	activity	NOUN
ajbmeb-1884	61	45	is	be	AUX
ajbmeb-1884	61	46	very	very	ADV
ajbmeb-1884	61	47	active	active	ADJ
ajbmeb-1884	61	48	,	,	PUNCT
ajbmeb-1884	61	49	especially	especially	ADV
ajbmeb-1884	61	50	through	through	ADP
ajbmeb-1884	61	51	its	its	PRON
ajbmeb-1884	61	52	dealings	dealing	NOUN
ajbmeb-1884	61	53	with	with	ADP
ajbmeb-1884	61	54	real	real	ADJ
ajbmeb-1884	61	55	estate	estate	NOUN
ajbmeb-1884	61	56	loans	loan	NOUN
ajbmeb-1884	61	57	and	and	CCONJ
ajbmeb-1884	61	58	related	related	ADJ
ajbmeb-1884	61	59	banking	banking	NOUN
ajbmeb-1884	61	60	facilities	facility	NOUN
ajbmeb-1884	61	61	.	.	PUNCT
ajbmeb-1884	61	62	.	.	PUNCT
ajbmeb-1884	62	1	examination	examination	NOUN
ajbmeb-1884	62	2	of	of	ADP
ajbmeb-1884	62	3	management	management	NOUN
ajbmeb-1884	62	4	performance	performance	NOUN
ajbmeb-1884	62	5	:	:	PUNCT
ajbmeb-1884	62	6	the	the	DET
ajbmeb-1884	62	7	bank	bank	NOUN
ajbmeb-1884	62	8	relies	rely	VERB
ajbmeb-1884	62	9	on	on	ADP
ajbmeb-1884	62	10	specialized	specialized	ADJ
ajbmeb-1884	62	11	experts	expert	NOUN
ajbmeb-1884	62	12	in	in	ADP
ajbmeb-1884	62	13	the	the	DET
ajbmeb-1884	62	14	fields	field	NOUN
ajbmeb-1884	62	15	of	of	ADP
ajbmeb-1884	62	16	financial	financial	ADJ
ajbmeb-1884	62	17	and	and	CCONJ
ajbmeb-1884	62	18	banking	banking	NOUN
ajbmeb-1884	62	19	sciences	science	NOUN
ajbmeb-1884	62	20	,	,	PUNCT
ajbmeb-1884	62	21	and	and	CCONJ
ajbmeb-1884	62	22	a	a	DET
ajbmeb-1884	62	23	specialized	specialized	ADJ
ajbmeb-1884	62	24	expert	expert	NOUN
ajbmeb-1884	62	25	is	be	AUX
ajbmeb-1884	62	26	appointed	appoint	VERB
ajbmeb-1884	62	27	alongside	alongside	ADP
ajbmeb-1884	62	28	each	each	DET
ajbmeb-1884	62	29	manager	manager	NOUN
ajbmeb-1884	62	30	in	in	ADP
ajbmeb-1884	62	31	t	t	PROPN
ajbmeb-1884	62	32	measurement	measurement	NOUN
ajbmeb-1884	62	33	level	level	NOUN
ajbmeb-1884	62	34	number	number	NOUN
ajbmeb-1884	62	35	of	of	ADP
ajbmeb-1884	62	36	indicators	indicator	NOUN
ajbmeb-1884	62	37	its	its	PRON
ajbmeb-1884	62	38	topics	topic	NOUN
ajbmeb-1884	62	39	a	a	DET
ajbmeb-1884	62	40	honesty	honesty	ADJ
ajbmeb-1884	62	41	3	3	NUM
ajbmeb-1884	62	42	integrity	integrity	NOUN
ajbmeb-1884	62	43	,	,	PUNCT
ajbmeb-1884	62	44	transparency	transparency	NOUN
ajbmeb-1884	62	45	,	,	PUNCT
ajbmeb-1884	62	46	accountability	accountability	NOUN
ajbmeb-1884	62	47	,	,	PUNCT
ajbmeb-1884	62	48	and	and	CCONJ
ajbmeb-1884	62	49	concern	concern	NOUN
ajbmeb-1884	62	50	for	for	ADP
ajbmeb-1884	62	51	results	result	NOUN
ajbmeb-1884	62	52	.	.	PUNCT
ajbmeb-1884	63	1	b	b	X
ajbmeb-1884	63	2	public	public	ADJ
ajbmeb-1884	63	3	policy	policy	NOUN
ajbmeb-1884	63	4	3	3	NUM
ajbmeb-1884	63	5	basic	basic	ADJ
ajbmeb-1884	63	6	objectives	objective	NOUN
ajbmeb-1884	63	7	,	,	PUNCT
ajbmeb-1884	63	8	examining	examine	VERB
ajbmeb-1884	63	9	management	management	NOUN
ajbmeb-1884	63	10	performance	performance	NOUN
ajbmeb-1884	63	11	,	,	PUNCT
ajbmeb-1884	63	12	financial	financial	ADJ
ajbmeb-1884	63	13	decisions	decision	NOUN
ajbmeb-1884	63	14	.	.	PUNCT
ajbmeb-1884	64	1	c	c	NOUN
ajbmeb-1884	64	2	monitoring	monitor	VERB
ajbmeb-1884	64	3	the	the	DET
ajbmeb-1884	64	4	workflow	workflow	NOUN
ajbmeb-1884	64	5	of	of	ADP
ajbmeb-1884	64	6	the	the	DET
ajbmeb-1884	64	7	bank	bank	NOUN
ajbmeb-1884	64	8	3	3	NUM
ajbmeb-1884	64	9	evaluating	evaluate	VERB
ajbmeb-1884	64	10	the	the	DET
ajbmeb-1884	64	11	bank	bank	NOUN
ajbmeb-1884	64	12	’s	’s	PART
ajbmeb-1884	64	13	performance	performance	NOUN
ajbmeb-1884	64	14	,	,	PUNCT
ajbmeb-1884	64	15	taking	take	VERB
ajbmeb-1884	64	16	into	into	ADP
ajbmeb-1884	64	17	account	account	NOUN
ajbmeb-1884	64	18	the	the	DET
ajbmeb-1884	64	19	legal	legal	ADJ
ajbmeb-1884	64	20	framework	framework	NOUN
ajbmeb-1884	64	21	and	and	CCONJ
ajbmeb-1884	64	22	compliance	compliance	NOUN
ajbmeb-1884	64	23	with	with	ADP
ajbmeb-1884	64	24	ethical	ethical	ADJ
ajbmeb-1884	64	25	considerations	consideration	NOUN
ajbmeb-1884	64	26	.	.	PUNCT
ajbmeb-1884	65	1	dr	dr	PROPN
ajbmeb-1884	65	2	compensation	compensation	PROPN
ajbmeb-1884	65	3	3	3	NUM
ajbmeb-1884	65	4	salaries	salary	NOUN
ajbmeb-1884	65	5	,	,	PUNCT
ajbmeb-1884	65	6	bonuses	bonus	NOUN
ajbmeb-1884	65	7	,	,	PUNCT
ajbmeb-1884	65	8	and	and	CCONJ
ajbmeb-1884	65	9	bonuses	bonus	NOUN
ajbmeb-1884	65	10	e	e	NOUN
ajbmeb-1884	65	11	committees	committee	NOUN
ajbmeb-1884	65	12	3	3	NUM
ajbmeb-1884	65	13	internal	internal	ADJ
ajbmeb-1884	65	14	audit	audit	NOUN
ajbmeb-1884	65	15	committees	committee	NOUN
ajbmeb-1884	65	16	,	,	PUNCT
ajbmeb-1884	65	17	external	external	ADJ
ajbmeb-1884	65	18	audit	audit	NOUN
ajbmeb-1884	65	19	committees	committee	NOUN
ajbmeb-1884	65	20	,	,	PUNCT
ajbmeb-1884	65	21	performance	performance	NOUN
ajbmeb-1884	65	22	evaluation	evaluation	NOUN
ajbmeb-1884	65	23	committees	committee	NOUN
ajbmeb-1884	65	24	.	.	PUNCT
ajbmeb-1884	66	1	and	and	CCONJ
ajbmeb-1884	66	2	basic	basic	ADJ
ajbmeb-1884	66	3	functions	function	NOUN
ajbmeb-1884	66	4	of	of	ADP
ajbmeb-1884	66	5	the	the	DET
ajbmeb-1884	66	6	council	council	NOUN
ajbmeb-1884	66	7	3	3	NUM
ajbmeb-1884	66	8	strategy	strategy	NOUN
ajbmeb-1884	66	9	formulation	formulation	NOUN
ajbmeb-1884	66	10	,	,	PUNCT
ajbmeb-1884	66	11	risk	risk	NOUN
ajbmeb-1884	66	12	management	management	NOUN
ajbmeb-1884	66	13	,	,	PUNCT
ajbmeb-1884	66	14	delegation	delegation	NOUN
ajbmeb-1884	66	15	of	of	ADP
ajbmeb-1884	66	16	powers	power	NOUN
ajbmeb-1884	66	17	.	.	PUNCT
ajbmeb-1884	67	1	g	g	ADP
ajbmeb-1884	67	2	the	the	DET
ajbmeb-1884	67	3	financial	financial	ADJ
ajbmeb-1884	67	4	crisis	crisis	NOUN
ajbmeb-1884	67	5	3	3	NUM
ajbmeb-1884	67	6	the	the	DET
ajbmeb-1884	67	7	impact	impact	NOUN
ajbmeb-1884	67	8	of	of	ADP
ajbmeb-1884	67	9	the	the	DET
ajbmeb-1884	67	10	financial	financial	ADJ
ajbmeb-1884	67	11	crisis	crisis	NOUN
ajbmeb-1884	67	12	,	,	PUNCT
ajbmeb-1884	67	13	investment	investment	NOUN
ajbmeb-1884	67	14	management	management	NOUN
ajbmeb-1884	67	15	,	,	PUNCT
ajbmeb-1884	67	16	confrontation	confrontation	NOUN
ajbmeb-1884	67	17	measures	measure	VERB
ajbmeb-1884	67	18	american	american	PROPN
ajbmeb-1884	67	19	journal	journal	PROPN
ajbmeb-1884	67	20	of	of	ADP
ajbmeb-1884	67	21	business	business	NOUN
ajbmeb-1884	67	22	management	management	NOUN
ajbmeb-1884	67	23	,	,	PUNCT
ajbmeb-1884	67	24	economics	economic	NOUN
ajbmeb-1884	67	25	and	and	CCONJ
ajbmeb-1884	67	26	banking	banking	NOUN
ajbmeb-1884	67	27	volume	volume	NOUN
ajbmeb-1884	67	28	21	21	NUM
ajbmeb-1884	67	29	february	february	PROPN
ajbmeb-1884	67	30	,	,	PUNCT
ajbmeb-1884	67	31	2024	2024	NUM
ajbmeb-1884	67	32	p	p	NOUN
ajbmeb-1884	67	33	a	a	DET
ajbmeb-1884	67	34	g	g	NOUN
ajbmeb-1884	67	35	e	e	NOUN
ajbmeb-1884	67	36	|	|	ADV
ajbmeb-1884	67	37	83	83	NUM
ajbmeb-1884	67	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	67	39	order	order	NOUN
ajbmeb-1884	67	40	to	to	PART
ajbmeb-1884	67	41	support	support	VERB
ajbmeb-1884	67	42	and	and	CCONJ
ajbmeb-1884	67	43	monitor	monitor	VERB
ajbmeb-1884	67	44	the	the	DET
ajbmeb-1884	67	45	performance	performance	NOUN
ajbmeb-1884	67	46	of	of	ADP
ajbmeb-1884	67	47	management	management	NOUN
ajbmeb-1884	67	48	in	in	ADP
ajbmeb-1884	67	49	the	the	DET
ajbmeb-1884	67	50	bank	bank	NOUN
ajbmeb-1884	67	51	.	.	PUNCT
ajbmeb-1884	68	1	the	the	DET
ajbmeb-1884	68	2	process	process	NOUN
ajbmeb-1884	68	3	of	of	ADP
ajbmeb-1884	68	4	auditing	audit	VERB
ajbmeb-1884	68	5	these	these	DET
ajbmeb-1884	68	6	managers	manager	NOUN
ajbmeb-1884	68	7	and	and	CCONJ
ajbmeb-1884	68	8	their	their	PRON
ajbmeb-1884	68	9	work	work	NOUN
ajbmeb-1884	68	10	is	be	AUX
ajbmeb-1884	68	11	periodic	periodic	ADJ
ajbmeb-1884	68	12	in	in	ADP
ajbmeb-1884	68	13	order	order	NOUN
ajbmeb-1884	68	14	to	to	PART
ajbmeb-1884	68	15	preserve	preserve	VERB
ajbmeb-1884	68	16	the	the	DET
ajbmeb-1884	68	17	bank	bank	NOUN
ajbmeb-1884	68	18	’s	’s	PART
ajbmeb-1884	68	19	reputation	reputation	NOUN
ajbmeb-1884	68	20	.	.	PUNCT
ajbmeb-1884	69	1	financial	financial	ADJ
ajbmeb-1884	69	2	decisions	decision	NOUN
ajbmeb-1884	69	3	:	:	PUNCT
ajbmeb-1884	69	4	the	the	DET
ajbmeb-1884	69	5	middle	middle	PROPN
ajbmeb-1884	69	6	east	east	PROPN
ajbmeb-1884	69	7	bank	bank	PROPN
ajbmeb-1884	69	8	takes	take	VERB
ajbmeb-1884	69	9	very	very	ADV
ajbmeb-1884	69	10	special	special	ADJ
ajbmeb-1884	69	11	care	care	NOUN
ajbmeb-1884	69	12	of	of	ADP
ajbmeb-1884	69	13	decisions	decision	NOUN
ajbmeb-1884	69	14	related	relate	VERB
ajbmeb-1884	69	15	to	to	ADP
ajbmeb-1884	69	16	financial	financial	ADJ
ajbmeb-1884	69	17	and	and	CCONJ
ajbmeb-1884	69	18	other	other	ADJ
ajbmeb-1884	69	19	aspects	aspect	NOUN
ajbmeb-1884	69	20	of	of	ADP
ajbmeb-1884	69	21	disbursement	disbursement	NOUN
ajbmeb-1884	69	22	to	to	PART
ajbmeb-1884	69	23	avoid	avoid	VERB
ajbmeb-1884	69	24	wasting	waste	VERB
ajbmeb-1884	69	25	funds	fund	NOUN
ajbmeb-1884	69	26	and	and	CCONJ
ajbmeb-1884	69	27	issues	issue	NOUN
ajbmeb-1884	69	28	of	of	ADP
ajbmeb-1884	69	29	corruption	corruption	NOUN
ajbmeb-1884	69	30	and	and	CCONJ
ajbmeb-1884	69	31	bribery	bribery	NOUN
ajbmeb-1884	69	32	.	.	PUNCT
ajbmeb-1884	70	1	the	the	DET
ajbmeb-1884	70	2	bank	bank	NOUN
ajbmeb-1884	70	3	does	do	AUX
ajbmeb-1884	70	4	not	not	PART
ajbmeb-1884	70	5	make	make	VERB
ajbmeb-1884	70	6	these	these	DET
ajbmeb-1884	70	7	decisions	decision	NOUN
ajbmeb-1884	70	8	except	except	SCONJ
ajbmeb-1884	70	9	after	after	ADP
ajbmeb-1884	70	10	an	an	DET
ajbmeb-1884	70	11	in	in	ADP
ajbmeb-1884	70	12	-	-	PUNCT
ajbmeb-1884	70	13	depth	depth	NOUN
ajbmeb-1884	70	14	study	study	NOUN
ajbmeb-1884	70	15	of	of	ADP
ajbmeb-1884	70	16	these	these	DET
ajbmeb-1884	70	17	issues	issue	NOUN
ajbmeb-1884	70	18	based	base	VERB
ajbmeb-1884	70	19	on	on	ADP
ajbmeb-1884	70	20	the	the	DET
ajbmeb-1884	70	21	data	datum	NOUN
ajbmeb-1884	70	22	and	and	CCONJ
ajbmeb-1884	70	23	information	information	NOUN
ajbmeb-1884	70	24	received	receive	VERB
ajbmeb-1884	70	25	from	from	ADP
ajbmeb-1884	70	26	its	its	PRON
ajbmeb-1884	70	27	branches	branch	NOUN
ajbmeb-1884	70	28	.	.	PUNCT
ajbmeb-1884	71	1	3work	3work	NUM
ajbmeb-1884	71	2	progress	progress	NOUN
ajbmeb-1884	71	3	monitoring	monitor	VERB
ajbmeb-1884	71	4	evaluating	evaluate	VERB
ajbmeb-1884	71	5	the	the	DET
ajbmeb-1884	71	6	bank	bank	NOUN
ajbmeb-1884	71	7	’s	’s	PART
ajbmeb-1884	71	8	performance	performance	NOUN
ajbmeb-1884	71	9	:	:	PUNCT
ajbmeb-1884	71	10	the	the	DET
ajbmeb-1884	71	11	central	central	ADJ
ajbmeb-1884	71	12	bank	bank	PROPN
ajbmeb-1884	71	13	of	of	ADP
ajbmeb-1884	71	14	iraq	iraq	PROPN
ajbmeb-1884	71	15	evaluates	evaluate	VERB
ajbmeb-1884	71	16	the	the	DET
ajbmeb-1884	71	17	bank	bank	NOUN
ajbmeb-1884	71	18	’s	’s	PART
ajbmeb-1884	71	19	work	work	NOUN
ajbmeb-1884	71	20	performance	performance	NOUN
ajbmeb-1884	71	21	as	as	SCONJ
ajbmeb-1884	71	22	it	it	PRON
ajbmeb-1884	71	23	is	be	AUX
ajbmeb-1884	71	24	a	a	DET
ajbmeb-1884	71	25	body	body	NOUN
ajbmeb-1884	71	26	that	that	PRON
ajbmeb-1884	71	27	supervises	supervise	VERB
ajbmeb-1884	71	28	banks	bank	NOUN
ajbmeb-1884	71	29	in	in	ADP
ajbmeb-1884	71	30	the	the	DET
ajbmeb-1884	71	31	country	country	NOUN
ajbmeb-1884	71	32	,	,	PUNCT
ajbmeb-1884	71	33	as	as	SCONJ
ajbmeb-1884	71	34	it	it	PRON
ajbmeb-1884	71	35	is	be	AUX
ajbmeb-1884	71	36	done	do	VERB
ajbmeb-1884	71	37	in	in	ADP
ajbmeb-1884	71	38	accordance	accordance	NOUN
ajbmeb-1884	71	39	with	with	ADP
ajbmeb-1884	71	40	article	article	NOUN
ajbmeb-1884	71	41	(	(	PUNCT
ajbmeb-1884	71	42	40	40	NUM
ajbmeb-1884	71	43	)	)	PUNCT
ajbmeb-1884	71	44	of	of	ADP
ajbmeb-1884	71	45	the	the	DET
ajbmeb-1884	71	46	new	new	ADJ
ajbmeb-1884	71	47	central	central	ADJ
ajbmeb-1884	71	48	bank	bank	NOUN
ajbmeb-1884	71	49	law	law	NOUN
ajbmeb-1884	71	50	,	,	PUNCT
ajbmeb-1884	71	51	which	which	PRON
ajbmeb-1884	71	52	stipulates	stipulate	VERB
ajbmeb-1884	71	53	that	that	SCONJ
ajbmeb-1884	71	54	(	(	PUNCT
ajbmeb-1884	71	55	the	the	DET
ajbmeb-1884	71	56	central	central	ADJ
ajbmeb-1884	71	57	bank	bank	PROPN
ajbmeb-1884	71	58	of	of	ADP
ajbmeb-1884	71	59	iraq	iraq	PROPN
ajbmeb-1884	71	60	has	have	VERB
ajbmeb-1884	71	61	absolute	absolute	ADJ
ajbmeb-1884	71	62	authority	authority	NOUN
ajbmeb-1884	71	63	to	to	PART
ajbmeb-1884	71	64	take	take	VERB
ajbmeb-1884	71	65	all	all	DET
ajbmeb-1884	71	66	measures	measure	NOUN
ajbmeb-1884	71	67	to	to	PART
ajbmeb-1884	71	68	grant	grant	VERB
ajbmeb-1884	71	69	a	a	DET
ajbmeb-1884	71	70	license	license	NOUN
ajbmeb-1884	71	71	and	and	CCONJ
ajbmeb-1884	71	72	regulate	regulate	VERB
ajbmeb-1884	71	73	...	...	PUNCT
ajbmeb-1884	71	74	and	and	CCONJ
ajbmeb-1884	71	75	to	to	PART
ajbmeb-1884	71	76	exercise	exercise	VERB
ajbmeb-1884	71	77	oversight	oversight	NOUN
ajbmeb-1884	71	78	over	over	ADP
ajbmeb-1884	71	79	banks	bank	NOUN
ajbmeb-1884	71	80	and	and	CCONJ
ajbmeb-1884	71	81	their	their	PRON
ajbmeb-1884	71	82	branches	branch	NOUN
ajbmeb-1884	71	83	in	in	ADP
ajbmeb-1884	71	84	accordance	accordance	NOUN
ajbmeb-1884	71	85	with	with	ADP
ajbmeb-1884	71	86	what	what	PRON
ajbmeb-1884	71	87	is	be	AUX
ajbmeb-1884	71	88	stipulated	stipulate	VERB
ajbmeb-1884	71	89	in	in	ADP
ajbmeb-1884	71	90	this	this	DET
ajbmeb-1884	71	91	law	law	NOUN
ajbmeb-1884	71	92	and	and	CCONJ
ajbmeb-1884	71	93	the	the	DET
ajbmeb-1884	71	94	banking	banking	NOUN
ajbmeb-1884	71	95	law	law	NOUN
ajbmeb-1884	71	96	,	,	PUNCT
ajbmeb-1884	71	97	and	and	CCONJ
ajbmeb-1884	71	98	this	this	PRON
ajbmeb-1884	71	99	includes	include	VERB
ajbmeb-1884	71	100	the	the	DET
ajbmeb-1884	71	101	authority	authority	NOUN
ajbmeb-1884	71	102	to	to	PART
ajbmeb-1884	71	103	conduct	conduct	VERB
ajbmeb-1884	71	104	external	external	ADJ
ajbmeb-1884	71	105	oversight	oversight	NOUN
ajbmeb-1884	71	106	and	and	CCONJ
ajbmeb-1884	71	107	conduct	conduct	VERB
ajbmeb-1884	71	108	audits	audits	NOUN
ajbmeb-1884	71	109	of	of	ADP
ajbmeb-1884	71	110	the	the	DET
ajbmeb-1884	71	111	licenses	license	NOUN
ajbmeb-1884	71	112	granted	grant	VERB
ajbmeb-1884	71	113	to	to	ADP
ajbmeb-1884	71	114	banks	bank	NOUN
ajbmeb-1884	71	115	and	and	CCONJ
ajbmeb-1884	71	116	their	their	PRON
ajbmeb-1884	71	117	branches	branch	NOUN
ajbmeb-1884	71	118	according	accord	VERB
ajbmeb-1884	71	119	to	to	ADP
ajbmeb-1884	71	120	the	the	DET
ajbmeb-1884	71	121	growth	growth	NOUN
ajbmeb-1884	71	122	and	and	CCONJ
ajbmeb-1884	71	123	timing	timing	NOUN
ajbmeb-1884	71	124	chosen	choose	VERB
ajbmeb-1884	71	125	by	by	ADP
ajbmeb-1884	71	126	the	the	DET
ajbmeb-1884	71	127	central	central	ADJ
ajbmeb-1884	71	128	bank	bank	PROPN
ajbmeb-1884	71	129	of	of	ADP
ajbmeb-1884	71	130	iraq	iraq	PROPN
ajbmeb-1884	71	131	.	.	PUNCT
ajbmeb-1884	72	1	taking	take	VERB
ajbmeb-1884	72	2	into	into	ADP
ajbmeb-1884	72	3	account	account	NOUN
ajbmeb-1884	72	4	the	the	DET
ajbmeb-1884	72	5	legal	legal	ADJ
ajbmeb-1884	72	6	framework	framework	NOUN
ajbmeb-1884	72	7	:	:	PUNCT
ajbmeb-1884	72	8	the	the	DET
ajbmeb-1884	72	9	middle	middle	PROPN
ajbmeb-1884	72	10	east	east	PROPN
ajbmeb-1884	72	11	bank	bank	PROPN
ajbmeb-1884	72	12	,	,	PUNCT
ajbmeb-1884	72	13	in	in	ADP
ajbmeb-1884	72	14	accordance	accordance	NOUN
ajbmeb-1884	72	15	with	with	ADP
ajbmeb-1884	72	16	the	the	DET
ajbmeb-1884	72	17	new	new	ADJ
ajbmeb-1884	72	18	banking	banking	NOUN
ajbmeb-1884	72	19	law	law	NOUN
ajbmeb-1884	72	20	,	,	PUNCT
ajbmeb-1884	72	21	is	be	AUX
ajbmeb-1884	72	22	not	not	PART
ajbmeb-1884	72	23	permitted	permit	VERB
ajbmeb-1884	72	24	to	to	PART
ajbmeb-1884	72	25	open	open	VERB
ajbmeb-1884	72	26	representative	representative	ADJ
ajbmeb-1884	72	27	offices	office	NOUN
ajbmeb-1884	72	28	in	in	ADP
ajbmeb-1884	72	29	or	or	CCONJ
ajbmeb-1884	72	30	outside	outside	ADP
ajbmeb-1884	72	31	iraq	iraq	PROPN
ajbmeb-1884	72	32	except	except	SCONJ
ajbmeb-1884	72	33	with	with	ADP
ajbmeb-1884	72	34	the	the	DET
ajbmeb-1884	72	35	approval	approval	NOUN
ajbmeb-1884	72	36	of	of	ADP
ajbmeb-1884	72	37	the	the	DET
ajbmeb-1884	72	38	central	central	ADJ
ajbmeb-1884	72	39	bank	bank	PROPN
ajbmeb-1884	72	40	of	of	ADP
ajbmeb-1884	72	41	iraq	iraq	PROPN
ajbmeb-1884	72	42	,	,	PUNCT
ajbmeb-1884	72	43	as	as	SCONJ
ajbmeb-1884	72	44	confirmed	confirm	VERB
ajbmeb-1884	72	45	in	in	ADP
ajbmeb-1884	72	46	article	article	NOUN
ajbmeb-1884	72	47	nine	nine	NUM
ajbmeb-1884	72	48	.	.	PUNCT
ajbmeb-1884	72	49	nor	nor	CCONJ
ajbmeb-1884	72	50	is	be	AUX
ajbmeb-1884	72	51	any	any	DET
ajbmeb-1884	72	52	bank	bank	NOUN
ajbmeb-1884	72	53	permitted	permit	VERB
ajbmeb-1884	72	54	to	to	PART
ajbmeb-1884	72	55	terminate	terminate	VERB
ajbmeb-1884	72	56	its	its	PRON
ajbmeb-1884	72	57	operations	operation	NOUN
ajbmeb-1884	72	58	without	without	ADP
ajbmeb-1884	72	59	prior	prior	ADJ
ajbmeb-1884	72	60	approval	approval	NOUN
ajbmeb-1884	72	61	from	from	ADP
ajbmeb-1884	72	62	the	the	DET
ajbmeb-1884	72	63	central	central	ADJ
ajbmeb-1884	72	64	bank	bank	NOUN
ajbmeb-1884	72	65	of	of	ADP
ajbmeb-1884	72	66	iraq	iraq	PROPN
ajbmeb-1884	72	67	.	.	PUNCT
ajbmeb-1884	72	68	.	.	PUNCT
ajbmeb-1884	73	1	the	the	DET
ajbmeb-1884	73	2	governing	govern	VERB
ajbmeb-1884	73	3	legislation	legislation	NOUN
ajbmeb-1884	73	4	and	and	CCONJ
ajbmeb-1884	73	5	regulations	regulation	NOUN
ajbmeb-1884	73	6	regulating	regulate	VERB
ajbmeb-1884	73	7	the	the	DET
ajbmeb-1884	73	8	work	work	NOUN
ajbmeb-1884	73	9	of	of	ADP
ajbmeb-1884	73	10	banks	bank	NOUN
ajbmeb-1884	73	11	are	be	AUX
ajbmeb-1884	73	12	the	the	DET
ajbmeb-1884	73	13	backbone	backbone	NOUN
ajbmeb-1884	73	14	of	of	ADP
ajbmeb-1884	73	15	banks	bank	NOUN
ajbmeb-1884	73	16	’	'	PUNCT
ajbmeb-1884	73	17	governance	governance	NOUN
ajbmeb-1884	73	18	frameworks	framework	NOUN
ajbmeb-1884	73	19	,	,	PUNCT
ajbmeb-1884	73	20	as	as	SCONJ
ajbmeb-1884	73	21	they	they	PRON
ajbmeb-1884	73	22	regulate	regulate	VERB
ajbmeb-1884	73	23	laws	law	NOUN
ajbmeb-1884	73	24	and	and	CCONJ
ajbmeb-1884	73	25	decisions	decision	NOUN
ajbmeb-1884	73	26	in	in	ADP
ajbmeb-1884	73	27	a	a	DET
ajbmeb-1884	73	28	precise	precise	ADJ
ajbmeb-1884	73	29	and	and	CCONJ
ajbmeb-1884	73	30	specific	specific	ADJ
ajbmeb-1884	73	31	manner	manner	NOUN
ajbmeb-1884	73	32	.	.	PUNCT
ajbmeb-1884	74	1	4commitment	4commitment	NUM
ajbmeb-1884	74	2	to	to	ADP
ajbmeb-1884	74	3	ethical	ethical	ADJ
ajbmeb-1884	74	4	considerations	consideration	NOUN
ajbmeb-1884	74	5	the	the	DET
ajbmeb-1884	74	6	middle	middle	PROPN
ajbmeb-1884	74	7	east	east	PROPN
ajbmeb-1884	74	8	bank	bank	PROPN
ajbmeb-1884	74	9	is	be	AUX
ajbmeb-1884	74	10	one	one	NUM
ajbmeb-1884	74	11	of	of	ADP
ajbmeb-1884	74	12	the	the	DET
ajbmeb-1884	74	13	well	well	ADV
ajbmeb-1884	74	14	-	-	PUNCT
ajbmeb-1884	74	15	established	establish	VERB
ajbmeb-1884	74	16	banks	bank	NOUN
ajbmeb-1884	74	17	in	in	ADP
ajbmeb-1884	74	18	dealing	deal	VERB
ajbmeb-1884	74	19	with	with	ADP
ajbmeb-1884	74	20	the	the	DET
ajbmeb-1884	74	21	public	public	NOUN
ajbmeb-1884	74	22	,	,	PUNCT
ajbmeb-1884	74	23	and	and	CCONJ
ajbmeb-1884	74	24	therefore	therefore	ADV
ajbmeb-1884	74	25	it	it	PRON
ajbmeb-1884	74	26	enjoys	enjoy	VERB
ajbmeb-1884	74	27	a	a	DET
ajbmeb-1884	74	28	good	good	ADJ
ajbmeb-1884	74	29	reputation	reputation	NOUN
ajbmeb-1884	74	30	as	as	ADP
ajbmeb-1884	74	31	a	a	DET
ajbmeb-1884	74	32	result	result	NOUN
ajbmeb-1884	74	33	of	of	ADP
ajbmeb-1884	74	34	its	its	PRON
ajbmeb-1884	74	35	commitment	commitment	NOUN
ajbmeb-1884	74	36	to	to	ADP
ajbmeb-1884	74	37	banking	banking	NOUN
ajbmeb-1884	74	38	ethics	ethic	NOUN
ajbmeb-1884	74	39	.	.	PUNCT
ajbmeb-1884	75	1	it	it	PRON
ajbmeb-1884	75	2	is	be	AUX
ajbmeb-1884	75	3	no	no	DET
ajbmeb-1884	75	4	secret	secret	NOUN
ajbmeb-1884	75	5	that	that	SCONJ
ajbmeb-1884	75	6	the	the	DET
ajbmeb-1884	75	7	bank	bank	NOUN
ajbmeb-1884	75	8	’s	’s	PART
ajbmeb-1884	75	9	commitment	commitment	NOUN
ajbmeb-1884	75	10	to	to	ADP
ajbmeb-1884	75	11	these	these	DET
ajbmeb-1884	75	12	ethics	ethic	NOUN
ajbmeb-1884	75	13	will	will	AUX
ajbmeb-1884	75	14	enhance	enhance	VERB
ajbmeb-1884	75	15	governance	governance	NOUN
ajbmeb-1884	75	16	and	and	CCONJ
ajbmeb-1884	75	17	thus	thus	ADV
ajbmeb-1884	75	18	increase	increase	VERB
ajbmeb-1884	75	19	investors	investor	NOUN
ajbmeb-1884	75	20	’	'	PUNCT
ajbmeb-1884	75	21	confidence	confidence	NOUN
ajbmeb-1884	75	22	in	in	ADP
ajbmeb-1884	75	23	it	it	PRON
ajbmeb-1884	75	24	.	.	PUNCT
ajbmeb-1884	76	1	it	it	PRON
ajbmeb-1884	76	2	is	be	AUX
ajbmeb-1884	76	3	also	also	ADV
ajbmeb-1884	76	4	no	no	DET
ajbmeb-1884	76	5	secret	secret	NOUN
ajbmeb-1884	76	6	the	the	DET
ajbmeb-1884	76	7	importance	importance	NOUN
ajbmeb-1884	76	8	of	of	ADP
ajbmeb-1884	76	9	training	train	VERB
ajbmeb-1884	76	10	administrative	administrative	ADJ
ajbmeb-1884	76	11	staff	staff	NOUN
ajbmeb-1884	76	12	and	and	CCONJ
ajbmeb-1884	76	13	making	make	VERB
ajbmeb-1884	76	14	them	they	PRON
ajbmeb-1884	76	15	aware	aware	ADJ
ajbmeb-1884	76	16	of	of	ADP
ajbmeb-1884	76	17	instilling	instill	VERB
ajbmeb-1884	76	18	information	information	NOUN
ajbmeb-1884	76	19	and	and	CCONJ
ajbmeb-1884	76	20	their	their	PRON
ajbmeb-1884	76	21	awareness	awareness	NOUN
ajbmeb-1884	76	22	.	.	PUNCT
ajbmeb-1884	77	1	with	with	ADP
ajbmeb-1884	77	2	responsibility	responsibility	NOUN
ajbmeb-1884	77	3	as	as	ADP
ajbmeb-1884	77	4	rules	rule	NOUN
ajbmeb-1884	77	5	for	for	ADP
ajbmeb-1884	77	6	a	a	DET
ajbmeb-1884	77	7	new	new	ADJ
ajbmeb-1884	77	8	professional	professional	ADJ
ajbmeb-1884	77	9	behavior	behavior	NOUN
ajbmeb-1884	77	10	in	in	ADP
ajbmeb-1884	77	11	themselves	themselves	PRON
ajbmeb-1884	77	12	,	,	PUNCT
ajbmeb-1884	77	13	it	it	PRON
ajbmeb-1884	77	14	is	be	AUX
ajbmeb-1884	77	15	expected	expect	VERB
ajbmeb-1884	77	16	that	that	SCONJ
ajbmeb-1884	77	17	a	a	DET
ajbmeb-1884	77	18	managers	manager	NOUN
ajbmeb-1884	77	19	training	training	NOUN
ajbmeb-1884	77	20	institute	institute	NOUN
ajbmeb-1884	77	21	will	will	AUX
ajbmeb-1884	77	22	be	be	AUX
ajbmeb-1884	77	23	opened	open	VERB
ajbmeb-1884	77	24	as	as	ADP
ajbmeb-1884	77	25	a	a	DET
ajbmeb-1884	77	26	start	start	NOUN
ajbmeb-1884	77	27	for	for	ADP
ajbmeb-1884	77	28	this	this	PRON
ajbmeb-1884	77	29	.	.	PUNCT
ajbmeb-1884	78	1	5compensation	5compensation	NUM
ajbmeb-1884	78	2	salaries	salary	NOUN
ajbmeb-1884	78	3	:	:	PUNCT
ajbmeb-1884	78	4	the	the	DET
ajbmeb-1884	78	5	middle	middle	PROPN
ajbmeb-1884	78	6	east	east	PROPN
ajbmeb-1884	78	7	bank	bank	PROPN
ajbmeb-1884	78	8	provides	provide	VERB
ajbmeb-1884	78	9	salaries	salary	NOUN
ajbmeb-1884	78	10	to	to	ADP
ajbmeb-1884	78	11	its	its	PRON
ajbmeb-1884	78	12	employees	employee	NOUN
ajbmeb-1884	78	13	and	and	CCONJ
ajbmeb-1884	78	14	senior	senior	ADJ
ajbmeb-1884	78	15	management	management	NOUN
ajbmeb-1884	78	16	according	accord	VERB
ajbmeb-1884	78	17	to	to	ADP
ajbmeb-1884	78	18	the	the	DET
ajbmeb-1884	78	19	ranks	rank	NOUN
ajbmeb-1884	78	20	of	of	ADP
ajbmeb-1884	78	21	the	the	DET
ajbmeb-1884	78	22	career	career	NOUN
ajbmeb-1884	78	23	ladder	ladder	NOUN
ajbmeb-1884	78	24	affiliated	affiliate	VERB
ajbmeb-1884	78	25	with	with	ADP
ajbmeb-1884	78	26	the	the	DET
ajbmeb-1884	78	27	ministry	ministry	PROPN
ajbmeb-1884	78	28	of	of	ADP
ajbmeb-1884	78	29	finance	finance	PROPN
ajbmeb-1884	78	30	,	,	PUNCT
ajbmeb-1884	78	31	according	accord	VERB
ajbmeb-1884	78	32	to	to	ADP
ajbmeb-1884	78	33	age	age	NOUN
ajbmeb-1884	78	34	,	,	PUNCT
ajbmeb-1884	78	35	certificate	certificate	NOUN
ajbmeb-1884	78	36	,	,	PUNCT
ajbmeb-1884	78	37	and	and	CCONJ
ajbmeb-1884	78	38	years	year	NOUN
ajbmeb-1884	78	39	of	of	ADP
ajbmeb-1884	78	40	service	service	NOUN
ajbmeb-1884	78	41	.	.	PUNCT
ajbmeb-1884	79	1	bonuses	bonus	NOUN
ajbmeb-1884	79	2	:	:	PUNCT
ajbmeb-1884	79	3	the	the	DET
ajbmeb-1884	79	4	middle	middle	PROPN
ajbmeb-1884	79	5	east	east	PROPN
ajbmeb-1884	79	6	bank	bank	PROPN
ajbmeb-1884	79	7	provides	provide	VERB
ajbmeb-1884	79	8	moral	moral	ADJ
ajbmeb-1884	79	9	and	and	CCONJ
ajbmeb-1884	79	10	material	material	NOUN
ajbmeb-1884	79	11	benefits	benefit	NOUN
ajbmeb-1884	79	12	and	and	CCONJ
ajbmeb-1884	79	13	bonuses	bonus	NOUN
ajbmeb-1884	79	14	to	to	ADP
ajbmeb-1884	79	15	its	its	PRON
ajbmeb-1884	79	16	employees	employee	NOUN
ajbmeb-1884	79	17	in	in	ADP
ajbmeb-1884	79	18	order	order	NOUN
ajbmeb-1884	79	19	to	to	PART
ajbmeb-1884	79	20	help	help	VERB
ajbmeb-1884	79	21	them	they	PRON
ajbmeb-1884	79	22	perform	perform	VERB
ajbmeb-1884	79	23	better	well	ADV
ajbmeb-1884	79	24	,	,	PUNCT
ajbmeb-1884	79	25	follow	follow	VERB
ajbmeb-1884	79	26	the	the	DET
ajbmeb-1884	79	27	established	establish	VERB
ajbmeb-1884	79	28	plans	plan	NOUN
ajbmeb-1884	79	29	to	to	ADP
ajbmeb-1884	79	30	the	the	DET
ajbmeb-1884	79	31	letter	letter	NOUN
ajbmeb-1884	79	32	,	,	PUNCT
ajbmeb-1884	79	33	and	and	CCONJ
ajbmeb-1884	79	34	not	not	PART
ajbmeb-1884	79	35	allow	allow	VERB
ajbmeb-1884	79	36	them	they	PRON
ajbmeb-1884	79	37	to	to	PART
ajbmeb-1884	79	38	fall	fall	VERB
ajbmeb-1884	79	39	under	under	ADP
ajbmeb-1884	79	40	the	the	DET
ajbmeb-1884	79	41	temptations	temptation	NOUN
ajbmeb-1884	79	42	of	of	ADP
ajbmeb-1884	79	43	bribery	bribery	NOUN
ajbmeb-1884	79	44	and	and	CCONJ
ajbmeb-1884	79	45	corruption	corruption	NOUN
ajbmeb-1884	79	46	.	.	PUNCT
ajbmeb-1884	80	1	rewards	reward	VERB
ajbmeb-1884	80	2	:	:	PUNCT
ajbmeb-1884	80	3	the	the	DET
ajbmeb-1884	80	4	middle	middle	PROPN
ajbmeb-1884	80	5	east	east	PROPN
ajbmeb-1884	80	6	bank	bank	PROPN
ajbmeb-1884	80	7	grants	grant	NOUN
ajbmeb-1884	80	8	rewards	reward	VERB
ajbmeb-1884	80	9	to	to	ADP
ajbmeb-1884	80	10	members	member	NOUN
ajbmeb-1884	80	11	of	of	ADP
ajbmeb-1884	80	12	the	the	DET
ajbmeb-1884	80	13	boards	board	NOUN
ajbmeb-1884	80	14	of	of	ADP
ajbmeb-1884	80	15	directors	director	NOUN
ajbmeb-1884	80	16	,	,	PUNCT
ajbmeb-1884	80	17	managers	manager	NOUN
ajbmeb-1884	80	18	in	in	ADP
ajbmeb-1884	80	19	banks	bank	NOUN
ajbmeb-1884	80	20	,	,	PUNCT
ajbmeb-1884	80	21	and	and	CCONJ
ajbmeb-1884	80	22	employees	employee	NOUN
ajbmeb-1884	80	23	who	who	PRON
ajbmeb-1884	80	24	provide	provide	VERB
ajbmeb-1884	80	25	distinguished	distinguished	ADJ
ajbmeb-1884	80	26	services	service	NOUN
ajbmeb-1884	80	27	in	in	ADP
ajbmeb-1884	80	28	their	their	PRON
ajbmeb-1884	80	29	work	work	NOUN
ajbmeb-1884	80	30	.	.	PUNCT
ajbmeb-1884	81	1	american	american	ADJ
ajbmeb-1884	81	2	journal	journal	PROPN
ajbmeb-1884	81	3	of	of	ADP
ajbmeb-1884	81	4	business	business	NOUN
ajbmeb-1884	81	5	management	management	NOUN
ajbmeb-1884	81	6	,	,	PUNCT
ajbmeb-1884	81	7	economics	economic	NOUN
ajbmeb-1884	81	8	and	and	CCONJ
ajbmeb-1884	81	9	banking	banking	NOUN
ajbmeb-1884	81	10	volume	volume	NOUN
ajbmeb-1884	81	11	21	21	NUM
ajbmeb-1884	81	12	february	february	PROPN
ajbmeb-1884	81	13	,	,	PUNCT
ajbmeb-1884	81	14	2024	2024	NUM
ajbmeb-1884	81	15	p	p	NOUN
ajbmeb-1884	81	16	a	a	DET
ajbmeb-1884	81	17	g	g	NOUN
ajbmeb-1884	81	18	e	e	NOUN
ajbmeb-1884	81	19	|	|	ADV
ajbmeb-1884	81	20	84	84	NUM
ajbmeb-1884	81	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	81	22	6committees	6committees	NUM
ajbmeb-1884	81	23	internal	internal	ADJ
ajbmeb-1884	81	24	audit	audit	NOUN
ajbmeb-1884	81	25	committees	committee	NOUN
ajbmeb-1884	81	26	:	:	PUNCT
ajbmeb-1884	81	27	the	the	DET
ajbmeb-1884	81	28	middle	middle	PROPN
ajbmeb-1884	81	29	east	east	PROPN
ajbmeb-1884	81	30	bank	bank	PROPN
ajbmeb-1884	81	31	has	have	VERB
ajbmeb-1884	81	32	internal	internal	ADJ
ajbmeb-1884	81	33	audit	audit	NOUN
ajbmeb-1884	81	34	committees	committee	NOUN
ajbmeb-1884	81	35	consisting	consist	VERB
ajbmeb-1884	81	36	of	of	ADP
ajbmeb-1884	81	37	specialists	specialist	NOUN
ajbmeb-1884	81	38	in	in	ADP
ajbmeb-1884	81	39	internal	internal	ADJ
ajbmeb-1884	81	40	control	control	NOUN
ajbmeb-1884	81	41	and	and	CCONJ
ajbmeb-1884	81	42	auditing	auditing	NOUN
ajbmeb-1884	81	43	,	,	PUNCT
ajbmeb-1884	81	44	especially	especially	ADV
ajbmeb-1884	81	45	those	those	PRON
ajbmeb-1884	81	46	related	relate	VERB
ajbmeb-1884	81	47	to	to	ADP
ajbmeb-1884	81	48	auditing	audit	VERB
ajbmeb-1884	81	49	credit	credit	NOUN
ajbmeb-1884	81	50	transactions	transaction	NOUN
ajbmeb-1884	81	51	and	and	CCONJ
ajbmeb-1884	81	52	banking	banking	NOUN
ajbmeb-1884	81	53	facilities	facility	NOUN
ajbmeb-1884	81	54	.	.	PUNCT
ajbmeb-1884	82	1	external	external	ADJ
ajbmeb-1884	82	2	audit	audit	NOUN
ajbmeb-1884	82	3	committees	committee	NOUN
ajbmeb-1884	82	4	:	:	PUNCT
ajbmeb-1884	82	5	these	these	PRON
ajbmeb-1884	82	6	are	be	AUX
ajbmeb-1884	82	7	committees	committee	NOUN
ajbmeb-1884	82	8	that	that	PRON
ajbmeb-1884	82	9	supervise	supervise	VERB
ajbmeb-1884	82	10	all	all	DET
ajbmeb-1884	82	11	the	the	DET
ajbmeb-1884	82	12	bank	bank	NOUN
ajbmeb-1884	82	13	’s	’s	PART
ajbmeb-1884	82	14	work	work	NOUN
ajbmeb-1884	82	15	.	.	PUNCT
ajbmeb-1884	83	1	these	these	DET
ajbmeb-1884	83	2	committees	committee	NOUN
ajbmeb-1884	83	3	are	be	AUX
ajbmeb-1884	83	4	represented	represent	VERB
ajbmeb-1884	83	5	by	by	ADP
ajbmeb-1884	83	6	the	the	DET
ajbmeb-1884	83	7	central	central	ADJ
ajbmeb-1884	83	8	bank	bank	PROPN
ajbmeb-1884	83	9	of	of	ADP
ajbmeb-1884	83	10	iraq	iraq	PROPN
ajbmeb-1884	83	11	and	and	CCONJ
ajbmeb-1884	83	12	the	the	DET
ajbmeb-1884	83	13	integrity	integrity	NOUN
ajbmeb-1884	83	14	commission	commission	PROPN
ajbmeb-1884	83	15	,	,	PUNCT
ajbmeb-1884	83	16	which	which	PRON
ajbmeb-1884	83	17	audits	audit	VERB
ajbmeb-1884	83	18	the	the	DET
ajbmeb-1884	83	19	work	work	NOUN
ajbmeb-1884	83	20	of	of	ADP
ajbmeb-1884	83	21	banks	bank	NOUN
ajbmeb-1884	83	22	by	by	ADP
ajbmeb-1884	83	23	reviewing	review	VERB
ajbmeb-1884	83	24	the	the	DET
ajbmeb-1884	83	25	total	total	ADJ
ajbmeb-1884	83	26	accounts	account	NOUN
ajbmeb-1884	83	27	of	of	ADP
ajbmeb-1884	83	28	the	the	DET
ajbmeb-1884	83	29	middle	middle	PROPN
ajbmeb-1884	83	30	east	east	PROPN
ajbmeb-1884	83	31	bank	bank	PROPN
ajbmeb-1884	83	32	in	in	ADP
ajbmeb-1884	83	33	the	the	DET
ajbmeb-1884	83	34	central	central	ADJ
ajbmeb-1884	83	35	bank	bank	NOUN
ajbmeb-1884	83	36	of	of	ADP
ajbmeb-1884	83	37	iraq	iraq	PROPN
ajbmeb-1884	83	38	.	.	PUNCT
ajbmeb-1884	84	1	performance	performance	NOUN
ajbmeb-1884	84	2	evaluation	evaluation	NOUN
ajbmeb-1884	84	3	committees	committee	NOUN
ajbmeb-1884	84	4	:	:	PUNCT
ajbmeb-1884	84	5	the	the	DET
ajbmeb-1884	84	6	performance	performance	NOUN
ajbmeb-1884	84	7	of	of	ADP
ajbmeb-1884	84	8	the	the	DET
ajbmeb-1884	84	9	bank	bank	NOUN
ajbmeb-1884	84	10	’s	’s	PART
ajbmeb-1884	84	11	employees	employee	NOUN
ajbmeb-1884	84	12	and	and	CCONJ
ajbmeb-1884	84	13	senior	senior	ADJ
ajbmeb-1884	84	14	management	management	NOUN
ajbmeb-1884	84	15	is	be	AUX
ajbmeb-1884	84	16	evaluated	evaluate	VERB
ajbmeb-1884	84	17	periodically	periodically	ADV
ajbmeb-1884	84	18	during	during	ADP
ajbmeb-1884	84	19	board	board	NOUN
ajbmeb-1884	84	20	of	of	ADP
ajbmeb-1884	84	21	directors	director	NOUN
ajbmeb-1884	84	22	meetings	meeting	NOUN
ajbmeb-1884	84	23	,	,	PUNCT
ajbmeb-1884	84	24	and	and	CCONJ
ajbmeb-1884	84	25	when	when	SCONJ
ajbmeb-1884	84	26	it	it	PRON
ajbmeb-1884	84	27	is	be	AUX
ajbmeb-1884	84	28	noted	note	VERB
ajbmeb-1884	84	29	that	that	SCONJ
ajbmeb-1884	84	30	some	some	PRON
ajbmeb-1884	84	31	of	of	ADP
ajbmeb-1884	84	32	them	they	PRON
ajbmeb-1884	84	33	are	be	AUX
ajbmeb-1884	84	34	incompetent	incompetent	ADJ
ajbmeb-1884	84	35	,	,	PUNCT
ajbmeb-1884	84	36	it	it	PRON
ajbmeb-1884	84	37	is	be	AUX
ajbmeb-1884	84	38	recommended	recommend	VERB
ajbmeb-1884	84	39	to	to	PART
ajbmeb-1884	84	40	dismiss	dismiss	VERB
ajbmeb-1884	84	41	them	they	PRON
ajbmeb-1884	84	42	or	or	CCONJ
ajbmeb-1884	84	43	refer	refer	VERB
ajbmeb-1884	84	44	them	they	PRON
ajbmeb-1884	84	45	to	to	ADP
ajbmeb-1884	84	46	retirement	retirement	NOUN
ajbmeb-1884	84	47	.	.	PUNCT
ajbmeb-1884	85	1	as	as	ADP
ajbmeb-1884	85	2	for	for	ADP
ajbmeb-1884	85	3	the	the	DET
ajbmeb-1884	85	4	executive	executive	ADJ
ajbmeb-1884	85	5	director	director	NOUN
ajbmeb-1884	85	6	,	,	PUNCT
ajbmeb-1884	85	7	he	he	PRON
ajbmeb-1884	85	8	evaluates	evaluate	VERB
ajbmeb-1884	85	9	his	his	PRON
ajbmeb-1884	85	10	performance	performance	NOUN
ajbmeb-1884	85	11	separately	separately	ADV
ajbmeb-1884	85	12	through	through	ADP
ajbmeb-1884	85	13	appointment	appointment	NOUN
ajbmeb-1884	85	14	,	,	PUNCT
ajbmeb-1884	85	15	since	since	SCONJ
ajbmeb-1884	85	16	the	the	DET
ajbmeb-1884	85	17	middle	middle	PROPN
ajbmeb-1884	85	18	east	east	PROPN
ajbmeb-1884	85	19	bank	bank	PROPN
ajbmeb-1884	85	20	is	be	AUX
ajbmeb-1884	85	21	affiliated	affiliate	VERB
ajbmeb-1884	85	22	with	with	ADP
ajbmeb-1884	85	23	the	the	DET
ajbmeb-1884	85	24	private	private	ADJ
ajbmeb-1884	85	25	sector	sector	NOUN
ajbmeb-1884	85	26	.	.	PUNCT
ajbmeb-1884	86	1	7basic	7basic	NUM
ajbmeb-1884	86	2	functions	function	NOUN
ajbmeb-1884	86	3	of	of	ADP
ajbmeb-1884	86	4	the	the	DET
ajbmeb-1884	86	5	council	council	NOUN
ajbmeb-1884	86	6	strategy	strategy	NOUN
ajbmeb-1884	86	7	formulation	formulation	NOUN
ajbmeb-1884	86	8	:	:	PUNCT
ajbmeb-1884	86	9	the	the	DET
ajbmeb-1884	86	10	middle	middle	PROPN
ajbmeb-1884	86	11	east	east	PROPN
ajbmeb-1884	86	12	bank	bank	PROPN
ajbmeb-1884	86	13	formulates	formulate	VERB
ajbmeb-1884	86	14	strategies	strategy	NOUN
ajbmeb-1884	86	15	according	accord	VERB
ajbmeb-1884	86	16	to	to	ADP
ajbmeb-1884	86	17	its	its	PRON
ajbmeb-1884	86	18	organizational	organizational	ADJ
ajbmeb-1884	86	19	objectives	objective	NOUN
ajbmeb-1884	86	20	.	.	PUNCT
ajbmeb-1884	87	1	these	these	DET
ajbmeb-1884	87	2	strategies	strategy	NOUN
ajbmeb-1884	87	3	are	be	AUX
ajbmeb-1884	87	4	usually	usually	ADV
ajbmeb-1884	87	5	long	long	ADJ
ajbmeb-1884	87	6	-	-	PUNCT
ajbmeb-1884	87	7	term	term	NOUN
ajbmeb-1884	87	8	,	,	PUNCT
ajbmeb-1884	87	9	and	and	CCONJ
ajbmeb-1884	87	10	these	these	DET
ajbmeb-1884	87	11	plans	plan	NOUN
ajbmeb-1884	87	12	,	,	PUNCT
ajbmeb-1884	87	13	which	which	PRON
ajbmeb-1884	87	14	are	be	AUX
ajbmeb-1884	87	15	drawn	draw	VERB
ajbmeb-1884	87	16	up	up	ADP
ajbmeb-1884	87	17	by	by	ADP
ajbmeb-1884	87	18	the	the	DET
ajbmeb-1884	87	19	council	council	NOUN
ajbmeb-1884	87	20	,	,	PUNCT
ajbmeb-1884	87	21	are	be	AUX
ajbmeb-1884	87	22	then	then	ADV
ajbmeb-1884	87	23	evaluated	evaluate	VERB
ajbmeb-1884	87	24	on	on	ADP
ajbmeb-1884	87	25	detailed	detailed	ADJ
ajbmeb-1884	87	26	plans	plan	NOUN
ajbmeb-1884	87	27	for	for	ADP
ajbmeb-1884	87	28	the	the	DET
ajbmeb-1884	87	29	branches	branch	NOUN
ajbmeb-1884	87	30	and	and	CCONJ
ajbmeb-1884	87	31	departments	department	NOUN
ajbmeb-1884	87	32	.	.	PUNCT
ajbmeb-1884	88	1	risk	risk	NOUN
ajbmeb-1884	88	2	management	management	NOUN
ajbmeb-1884	88	3	:	:	PUNCT
ajbmeb-1884	88	4	banking	banking	NOUN
ajbmeb-1884	88	5	risk	risk	NOUN
ajbmeb-1884	88	6	management	management	NOUN
ajbmeb-1884	88	7	in	in	ADP
ajbmeb-1884	88	8	the	the	DET
ajbmeb-1884	88	9	bank	bank	NOUN
ajbmeb-1884	88	10	is	be	AUX
ajbmeb-1884	88	11	carried	carry	VERB
ajbmeb-1884	88	12	out	out	ADP
ajbmeb-1884	88	13	through	through	ADP
ajbmeb-1884	88	14	the	the	DET
ajbmeb-1884	88	15	credit	credit	NOUN
ajbmeb-1884	88	16	control	control	PROPN
ajbmeb-1884	88	17	department	department	PROPN
ajbmeb-1884	88	18	,	,	PUNCT
ajbmeb-1884	88	19	as	as	ADV
ajbmeb-1884	88	20	well	well	ADV
ajbmeb-1884	88	21	as	as	ADP
ajbmeb-1884	88	22	supporting	support	VERB
ajbmeb-1884	88	23	the	the	DET
ajbmeb-1884	88	24	work	work	NOUN
ajbmeb-1884	88	25	of	of	ADP
ajbmeb-1884	88	26	this	this	DET
ajbmeb-1884	88	27	department	department	NOUN
ajbmeb-1884	88	28	through	through	ADP
ajbmeb-1884	88	29	the	the	DET
ajbmeb-1884	88	30	control	control	PROPN
ajbmeb-1884	88	31	department	department	PROPN
ajbmeb-1884	88	32	.	.	PUNCT
ajbmeb-1884	89	1	delegation	delegation	NOUN
ajbmeb-1884	89	2	of	of	ADP
ajbmeb-1884	89	3	powers	power	NOUN
ajbmeb-1884	89	4	:	:	PUNCT
ajbmeb-1884	89	5	this	this	PRON
ajbmeb-1884	89	6	is	be	AUX
ajbmeb-1884	89	7	done	do	VERB
ajbmeb-1884	89	8	through	through	ADP
ajbmeb-1884	89	9	the	the	DET
ajbmeb-1884	89	10	powers	power	NOUN
ajbmeb-1884	89	11	that	that	PRON
ajbmeb-1884	89	12	the	the	DET
ajbmeb-1884	89	13	executive	executive	ADJ
ajbmeb-1884	89	14	director	director	NOUN
ajbmeb-1884	89	15	gives	give	VERB
ajbmeb-1884	89	16	to	to	ADP
ajbmeb-1884	89	17	managers	manager	NOUN
ajbmeb-1884	89	18	in	in	ADP
ajbmeb-1884	89	19	senior	senior	ADJ
ajbmeb-1884	89	20	management	management	NOUN
ajbmeb-1884	89	21	,	,	PUNCT
ajbmeb-1884	89	22	thus	thus	ADV
ajbmeb-1884	89	23	appointing	appoint	VERB
ajbmeb-1884	89	24	department	department	NOUN
ajbmeb-1884	89	25	managers	manager	NOUN
ajbmeb-1884	89	26	.	.	PUNCT
ajbmeb-1884	90	1	8the	8the	DET
ajbmeb-1884	90	2	financial	financial	ADJ
ajbmeb-1884	90	3	crisis	crisis	NOUN
ajbmeb-1884	90	4	the	the	DET
ajbmeb-1884	90	5	impact	impact	NOUN
ajbmeb-1884	90	6	of	of	ADP
ajbmeb-1884	90	7	the	the	DET
ajbmeb-1884	90	8	crisis	crisis	NOUN
ajbmeb-1884	90	9	on	on	ADP
ajbmeb-1884	90	10	the	the	DET
ajbmeb-1884	90	11	bank	bank	NOUN
ajbmeb-1884	90	12	:	:	PUNCT
ajbmeb-1884	90	13	taking	take	VERB
ajbmeb-1884	90	14	effective	effective	ADJ
ajbmeb-1884	90	15	monitoring	monitoring	NOUN
ajbmeb-1884	90	16	measures	measure	NOUN
ajbmeb-1884	90	17	and	and	CCONJ
ajbmeb-1884	90	18	adopting	adopt	VERB
ajbmeb-1884	90	19	governance	governance	NOUN
ajbmeb-1884	90	20	standards	standard	NOUN
ajbmeb-1884	90	21	.	.	PUNCT
ajbmeb-1884	91	1	impact	impact	NOUN
ajbmeb-1884	91	2	on	on	ADP
ajbmeb-1884	91	3	investment	investment	NOUN
ajbmeb-1884	91	4	:	:	PUNCT
ajbmeb-1884	91	5	controls	control	NOUN
ajbmeb-1884	91	6	for	for	ADP
ajbmeb-1884	91	7	granting	grant	VERB
ajbmeb-1884	91	8	investment	investment	NOUN
ajbmeb-1884	91	9	loans	loan	NOUN
ajbmeb-1884	91	10	are	be	AUX
ajbmeb-1884	91	11	activated	activate	VERB
ajbmeb-1884	91	12	and	and	CCONJ
ajbmeb-1884	91	13	applied	apply	VERB
ajbmeb-1884	91	14	coping	cope	VERB
ajbmeb-1884	91	15	measures	measure	NOUN
ajbmeb-1884	91	16	:	:	PUNCT
ajbmeb-1884	91	17	encouraging	encourage	VERB
ajbmeb-1884	91	18	departments	department	NOUN
ajbmeb-1884	91	19	to	to	PART
ajbmeb-1884	91	20	use	use	VERB
ajbmeb-1884	91	21	resources	resource	NOUN
ajbmeb-1884	91	22	to	to	ADP
ajbmeb-1884	91	23	a	a	DET
ajbmeb-1884	91	24	greater	great	ADJ
ajbmeb-1884	91	25	and	and	CCONJ
ajbmeb-1884	91	26	more	more	ADV
ajbmeb-1884	91	27	efficient	efficient	ADJ
ajbmeb-1884	91	28	extent	extent	NOUN
ajbmeb-1884	91	29	.	.	PUNCT
ajbmeb-1884	92	1	9the	9the	DET
ajbmeb-1884	92	2	financial	financial	ADJ
ajbmeb-1884	92	3	crisis	crisis	NOUN
ajbmeb-1884	92	4	,	,	PUNCT
ajbmeb-1884	92	5	its	its	PRON
ajbmeb-1884	92	6	causes	cause	NOUN
ajbmeb-1884	92	7	and	and	CCONJ
ajbmeb-1884	92	8	consequences	consequence	VERB
ajbmeb-1884	92	9	the	the	DET
ajbmeb-1884	92	10	financial	financial	ADJ
ajbmeb-1884	92	11	crisis	crisis	NOUN
ajbmeb-1884	92	12	began	begin	VERB
ajbmeb-1884	92	13	as	as	ADP
ajbmeb-1884	92	14	a	a	DET
ajbmeb-1884	92	15	result	result	NOUN
ajbmeb-1884	92	16	of	of	ADP
ajbmeb-1884	92	17	an	an	DET
ajbmeb-1884	92	18	exaggerated	exaggerated	ADJ
ajbmeb-1884	92	19	rise	rise	NOUN
ajbmeb-1884	92	20	in	in	ADP
ajbmeb-1884	92	21	real	real	ADJ
ajbmeb-1884	92	22	estate	estate	NOUN
ajbmeb-1884	92	23	prices	price	NOUN
ajbmeb-1884	92	24	that	that	PRON
ajbmeb-1884	92	25	was	be	AUX
ajbmeb-1884	92	26	disproportionate	disproportionate	ADJ
ajbmeb-1884	92	27	to	to	ADP
ajbmeb-1884	92	28	the	the	DET
ajbmeb-1884	92	29	real	real	ADJ
ajbmeb-1884	92	30	supply	supply	NOUN
ajbmeb-1884	92	31	and	and	CCONJ
ajbmeb-1884	92	32	demand	demand	NOUN
ajbmeb-1884	92	33	in	in	ADP
ajbmeb-1884	92	34	america	america	PROPN
ajbmeb-1884	92	35	as	as	ADP
ajbmeb-1884	92	36	a	a	DET
ajbmeb-1884	92	37	result	result	NOUN
ajbmeb-1884	92	38	of	of	ADP
ajbmeb-1884	92	39	the	the	DET
ajbmeb-1884	92	40	ease	ease	NOUN
ajbmeb-1884	92	41	of	of	ADP
ajbmeb-1884	92	42	obtaining	obtain	VERB
ajbmeb-1884	92	43	loans	loan	NOUN
ajbmeb-1884	92	44	.	.	PUNCT
ajbmeb-1884	93	1	when	when	SCONJ
ajbmeb-1884	93	2	borrowers	borrower	NOUN
ajbmeb-1884	93	3	were	be	AUX
ajbmeb-1884	93	4	unable	unable	ADJ
ajbmeb-1884	93	5	to	to	PART
ajbmeb-1884	93	6	repay	repay	VERB
ajbmeb-1884	93	7	the	the	DET
ajbmeb-1884	93	8	debt	debt	NOUN
ajbmeb-1884	93	9	,	,	PUNCT
ajbmeb-1884	93	10	they	they	PRON
ajbmeb-1884	93	11	returned	return	VERB
ajbmeb-1884	93	12	the	the	DET
ajbmeb-1884	93	13	homes	home	NOUN
ajbmeb-1884	93	14	to	to	ADP
ajbmeb-1884	93	15	the	the	DET
ajbmeb-1884	93	16	banks	bank	NOUN
ajbmeb-1884	93	17	,	,	PUNCT
ajbmeb-1884	93	18	which	which	PRON
ajbmeb-1884	93	19	did	do	AUX
ajbmeb-1884	93	20	not	not	PART
ajbmeb-1884	93	21	find	find	VERB
ajbmeb-1884	93	22	anyone	anyone	PRON
ajbmeb-1884	93	23	to	to	PART
ajbmeb-1884	93	24	buy	buy	VERB
ajbmeb-1884	93	25	them	they	PRON
ajbmeb-1884	93	26	.	.	PUNCT
ajbmeb-1884	94	1	the	the	DET
ajbmeb-1884	94	2	problem	problem	NOUN
ajbmeb-1884	94	3	worsened	worsen	VERB
ajbmeb-1884	94	4	with	with	ADP
ajbmeb-1884	94	5	the	the	DET
ajbmeb-1884	94	6	inability	inability	NOUN
ajbmeb-1884	94	7	of	of	ADP
ajbmeb-1884	94	8	companies	company	NOUN
ajbmeb-1884	94	9	to	to	AUX
ajbmeb-1884	94	10	market	market	VERB
ajbmeb-1884	94	11	and	and	CCONJ
ajbmeb-1884	94	12	resell	resell	VERB
ajbmeb-1884	94	13	them	they	PRON
ajbmeb-1884	94	14	.	.	PUNCT
ajbmeb-1884	95	1	these	these	DET
ajbmeb-1884	95	2	properties	property	NOUN
ajbmeb-1884	95	3	are	be	AUX
ajbmeb-1884	95	4	a	a	DET
ajbmeb-1884	95	5	result	result	NOUN
ajbmeb-1884	95	6	of	of	ADP
ajbmeb-1884	95	7	the	the	DET
ajbmeb-1884	95	8	excessive	excessive	ADJ
ajbmeb-1884	95	9	increase	increase	NOUN
ajbmeb-1884	95	10	in	in	ADP
ajbmeb-1884	95	11	their	their	PRON
ajbmeb-1884	95	12	prices	price	NOUN
ajbmeb-1884	95	13	,	,	PUNCT
ajbmeb-1884	95	14	as	as	ADV
ajbmeb-1884	95	15	well	well	ADV
ajbmeb-1884	95	16	as	as	ADP
ajbmeb-1884	95	17	the	the	DET
ajbmeb-1884	95	18	decline	decline	NOUN
ajbmeb-1884	95	19	in	in	ADP
ajbmeb-1884	95	20	the	the	DET
ajbmeb-1884	95	21	purchasing	purchase	VERB
ajbmeb-1884	95	22	power	power	NOUN
ajbmeb-1884	95	23	of	of	ADP
ajbmeb-1884	95	24	real	real	ADJ
ajbmeb-1884	95	25	estate	estate	NOUN
ajbmeb-1884	95	26	buyers	buyer	NOUN
ajbmeb-1884	95	27	on	on	ADP
ajbmeb-1884	95	28	the	the	DET
ajbmeb-1884	95	29	other	other	ADJ
ajbmeb-1884	95	30	hand	hand	NOUN
ajbmeb-1884	95	31	,	,	PUNCT
ajbmeb-1884	95	32	which	which	PRON
ajbmeb-1884	95	33	led	lead	VERB
ajbmeb-1884	95	34	to	to	ADP
ajbmeb-1884	95	35	the	the	DET
ajbmeb-1884	95	36	spread	spread	NOUN
ajbmeb-1884	95	37	of	of	ADP
ajbmeb-1884	95	38	infection	infection	NOUN
ajbmeb-1884	95	39	to	to	ADP
ajbmeb-1884	95	40	other	other	ADJ
ajbmeb-1884	95	41	similar	similar	ADJ
ajbmeb-1884	95	42	institutions	institution	NOUN
ajbmeb-1884	95	43	.	.	PUNCT
ajbmeb-1884	96	1	(	(	PUNCT
ajbmeb-1884	96	2	abboud	abboud	PROPN
ajbmeb-1884	96	3	,	,	PUNCT
ajbmeb-1884	96	4	2009	2009	NUM
ajbmeb-1884	96	5	,	,	PUNCT
ajbmeb-1884	96	6	12	12	NUM
ajbmeb-1884	96	7	)	)	PUNCT
ajbmeb-1884	96	8	as	as	ADP
ajbmeb-1884	96	9	a	a	DET
ajbmeb-1884	96	10	result	result	NOUN
ajbmeb-1884	96	11	of	of	ADP
ajbmeb-1884	96	12	the	the	DET
ajbmeb-1884	96	13	securities	security	NOUN
ajbmeb-1884	96	14	that	that	PRON
ajbmeb-1884	96	15	banks	bank	NOUN
ajbmeb-1884	96	16	sold	sell	VERB
ajbmeb-1884	96	17	to	to	ADP
ajbmeb-1884	96	18	other	other	ADJ
ajbmeb-1884	96	19	institutions	institution	NOUN
ajbmeb-1884	96	20	,	,	PUNCT
ajbmeb-1884	96	21	or	or	CCONJ
ajbmeb-1884	96	22	what	what	PRON
ajbmeb-1884	96	23	is	be	AUX
ajbmeb-1884	96	24	called	call	VERB
ajbmeb-1884	96	25	(	(	PUNCT
ajbmeb-1884	96	26	debt	debt	NOUN
ajbmeb-1884	96	27	securitization	securitization	NOUN
ajbmeb-1884	96	28	)	)	PUNCT
ajbmeb-1884	96	29	,	,	PUNCT
ajbmeb-1884	96	30	which	which	PRON
ajbmeb-1884	96	31	is	be	AUX
ajbmeb-1884	96	32	debt	debt	NOUN
ajbmeb-1884	96	33	backed	back	VERB
ajbmeb-1884	96	34	by	by	ADP
ajbmeb-1884	96	35	mortgages	mortgage	NOUN
ajbmeb-1884	96	36	,	,	PUNCT
ajbmeb-1884	96	37	which	which	PRON
ajbmeb-1884	96	38	began	begin	VERB
ajbmeb-1884	96	39	to	to	PART
ajbmeb-1884	96	40	turn	turn	VERB
ajbmeb-1884	96	41	into	into	ADP
ajbmeb-1884	96	42	(	(	PUNCT
ajbmeb-1884	96	43	high	high	ADJ
ajbmeb-1884	96	44	-	-	PUNCT
ajbmeb-1884	96	45	risk	risk	NOUN
ajbmeb-1884	96	46	mortgages	mortgage	NOUN
ajbmeb-1884	96	47	)	)	PUNCT
ajbmeb-1884	96	48	,	,	PUNCT
ajbmeb-1884	96	49	investors	investor	NOUN
ajbmeb-1884	96	50	around	around	ADP
ajbmeb-1884	96	51	the	the	DET
ajbmeb-1884	96	52	world	world	NOUN
ajbmeb-1884	96	53	began	begin	VERB
ajbmeb-1884	96	54	to	to	PART
ajbmeb-1884	96	55	be	be	AUX
ajbmeb-1884	96	56	more	more	ADV
ajbmeb-1884	96	57	cautious	cautious	ADJ
ajbmeb-1884	96	58	in	in	ADP
ajbmeb-1884	96	59	using	use	VERB
ajbmeb-1884	96	60	these	these	DET
ajbmeb-1884	96	61	securities	security	NOUN
ajbmeb-1884	96	62	.	.	PUNCT
ajbmeb-1884	97	1	there	there	PRON
ajbmeb-1884	97	2	are	be	VERB
ajbmeb-1884	97	3	no	no	ADV
ajbmeb-1884	97	4	longer	long	ADV
ajbmeb-1884	97	5	buyers	buyer	NOUN
ajbmeb-1884	97	6	for	for	ADP
ajbmeb-1884	97	7	it	it	PRON
ajbmeb-1884	97	8	.	.	PUNCT
ajbmeb-1884	98	1	this	this	PRON
ajbmeb-1884	98	2	has	have	AUX
ajbmeb-1884	98	3	led	lead	VERB
ajbmeb-1884	98	4	to	to	ADP
ajbmeb-1884	98	5	a	a	DET
ajbmeb-1884	98	6	near	near	ADJ
ajbmeb-1884	98	7	-	-	PUNCT
ajbmeb-1884	98	8	freeze	freeze	NOUN
ajbmeb-1884	98	9	in	in	ADP
ajbmeb-1884	98	10	the	the	DET
ajbmeb-1884	98	11	availability	availability	NOUN
ajbmeb-1884	98	12	of	of	ADP
ajbmeb-1884	98	13	credit	credit	NOUN
ajbmeb-1884	98	14	around	around	ADP
ajbmeb-1884	98	15	the	the	DET
ajbmeb-1884	98	16	world	world	NOUN
ajbmeb-1884	98	17	.	.	PUNCT
ajbmeb-1884	99	1	american	american	ADJ
ajbmeb-1884	99	2	journal	journal	PROPN
ajbmeb-1884	99	3	of	of	ADP
ajbmeb-1884	99	4	business	business	NOUN
ajbmeb-1884	99	5	management	management	NOUN
ajbmeb-1884	99	6	,	,	PUNCT
ajbmeb-1884	99	7	economics	economic	NOUN
ajbmeb-1884	99	8	and	and	CCONJ
ajbmeb-1884	99	9	banking	banking	NOUN
ajbmeb-1884	99	10	volume	volume	NOUN
ajbmeb-1884	99	11	21	21	NUM
ajbmeb-1884	99	12	february	february	PROPN
ajbmeb-1884	99	13	,	,	PUNCT
ajbmeb-1884	99	14	2024	2024	NUM
ajbmeb-1884	99	15	p	p	NOUN
ajbmeb-1884	99	16	a	a	PRON
ajbmeb-1884	99	17	g	g	NOUN
ajbmeb-1884	99	18	e	e	NOUN
ajbmeb-1884	99	19	|	|	ADV
ajbmeb-1884	99	20	85	85	NUM
ajbmeb-1884	99	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	99	22	these	these	DET
ajbmeb-1884	99	23	reasons	reason	NOUN
ajbmeb-1884	99	24	can	can	AUX
ajbmeb-1884	99	25	be	be	AUX
ajbmeb-1884	99	26	identified	identify	VERB
ajbmeb-1884	99	27	as	as	SCONJ
ajbmeb-1884	99	28	follows	follow	VERB
ajbmeb-1884	99	29	:	:	PUNCT
ajbmeb-1884	99	30	(	(	PUNCT
ajbmeb-1884	99	31	abboud	abboud	ADJ
ajbmeb-1884	99	32	,	,	PUNCT
ajbmeb-1884	99	33	2009	2009	NUM
ajbmeb-1884	99	34	,	,	PUNCT
ajbmeb-1884	99	35	14	14	NUM
ajbmeb-1884	99	36	(	(	PUNCT
ajbmeb-1884	99	37	a	a	DET
ajbmeb-1884	99	38	the	the	DET
ajbmeb-1884	99	39	financial	financial	ADJ
ajbmeb-1884	99	40	crisis	crisis	NOUN
ajbmeb-1884	99	41	began	begin	VERB
ajbmeb-1884	99	42	as	as	ADP
ajbmeb-1884	99	43	a	a	DET
ajbmeb-1884	99	44	result	result	NOUN
ajbmeb-1884	99	45	of	of	ADP
ajbmeb-1884	99	46	the	the	DET
ajbmeb-1884	99	47	availability	availability	NOUN
ajbmeb-1884	99	48	of	of	ADP
ajbmeb-1884	99	49	what	what	PRON
ajbmeb-1884	99	50	is	be	AUX
ajbmeb-1884	99	51	known	know	VERB
ajbmeb-1884	99	52	as	as	ADP
ajbmeb-1884	99	53	cheap	cheap	ADJ
ajbmeb-1884	99	54	money	money	NOUN
ajbmeb-1884	99	55	(	(	PUNCT
ajbmeb-1884	99	56	the	the	DET
ajbmeb-1884	99	57	decline	decline	NOUN
ajbmeb-1884	99	58	in	in	ADP
ajbmeb-1884	99	59	the	the	DET
ajbmeb-1884	99	60	interest	interest	NOUN
ajbmeb-1884	99	61	rate	rate	NOUN
ajbmeb-1884	99	62	until	until	SCONJ
ajbmeb-1884	99	63	it	it	PRON
ajbmeb-1884	99	64	reached	reach	VERB
ajbmeb-1884	99	65	1	1	NUM
ajbmeb-1884	99	66	%	%	NOUN
ajbmeb-1884	99	67	in	in	ADP
ajbmeb-1884	99	68	2003	2003	NUM
ajbmeb-1884	99	69	ad	ad	NOUN
ajbmeb-1884	99	70	,	,	PUNCT
ajbmeb-1884	99	71	which	which	PRON
ajbmeb-1884	99	72	increased	increase	VERB
ajbmeb-1884	99	73	the	the	DET
ajbmeb-1884	99	74	demand	demand	NOUN
ajbmeb-1884	99	75	for	for	ADP
ajbmeb-1884	99	76	loans	loan	NOUN
ajbmeb-1884	99	77	,	,	PUNCT
ajbmeb-1884	99	78	especially	especially	ADV
ajbmeb-1884	99	79	real	real	ADJ
ajbmeb-1884	99	80	estate	estate	NOUN
ajbmeb-1884	99	81	loans	loan	NOUN
ajbmeb-1884	99	82	,	,	PUNCT
ajbmeb-1884	99	83	and	and	CCONJ
ajbmeb-1884	99	84	with	with	ADP
ajbmeb-1884	99	85	the	the	DET
ajbmeb-1884	99	86	ease	ease	NOUN
ajbmeb-1884	99	87	and	and	CCONJ
ajbmeb-1884	99	88	facilitation	facilitation	NOUN
ajbmeb-1884	99	89	of	of	ADP
ajbmeb-1884	99	90	these	these	DET
ajbmeb-1884	99	91	loans	loan	NOUN
ajbmeb-1884	99	92	,	,	PUNCT
ajbmeb-1884	99	93	the	the	DET
ajbmeb-1884	99	94	demand	demand	NOUN
ajbmeb-1884	99	95	for	for	ADP
ajbmeb-1884	99	96	them	they	PRON
ajbmeb-1884	99	97	increased	increase	VERB
ajbmeb-1884	99	98	,	,	PUNCT
ajbmeb-1884	99	99	which	which	PRON
ajbmeb-1884	99	100	led	lead	VERB
ajbmeb-1884	99	101	to	to	ADP
ajbmeb-1884	99	102	an	an	DET
ajbmeb-1884	99	103	increase	increase	NOUN
ajbmeb-1884	99	104	in	in	ADP
ajbmeb-1884	99	105	the	the	DET
ajbmeb-1884	99	106	price	price	NOUN
ajbmeb-1884	99	107	of	of	ADP
ajbmeb-1884	99	108	real	real	ADJ
ajbmeb-1884	99	109	estate	estate	NOUN
ajbmeb-1884	99	110	in	in	ADP
ajbmeb-1884	99	111	the	the	DET
ajbmeb-1884	99	112	united	united	PROPN
ajbmeb-1884	99	113	states	states	PROPN
ajbmeb-1884	99	114	.	.	PUNCT
ajbmeb-1884	100	1	this	this	DET
ajbmeb-1884	100	2	bubble	bubble	NOUN
ajbmeb-1884	100	3	in	in	ADP
ajbmeb-1884	100	4	the	the	DET
ajbmeb-1884	100	5	us	us	PROPN
ajbmeb-1884	100	6	real	real	ADJ
ajbmeb-1884	100	7	estate	estate	NOUN
ajbmeb-1884	100	8	sector	sector	NOUN
ajbmeb-1884	100	9	tempted	tempt	VERB
ajbmeb-1884	100	10	major	major	ADJ
ajbmeb-1884	100	11	banks	bank	NOUN
ajbmeb-1884	100	12	and	and	CCONJ
ajbmeb-1884	100	13	investment	investment	NOUN
ajbmeb-1884	100	14	funds	fund	NOUN
ajbmeb-1884	100	15	to	to	PART
ajbmeb-1884	100	16	enter	enter	VERB
ajbmeb-1884	100	17	the	the	DET
ajbmeb-1884	100	18	us	us	PROPN
ajbmeb-1884	100	19	mortgage	mortgage	NOUN
ajbmeb-1884	100	20	market	market	NOUN
ajbmeb-1884	100	21	,	,	PUNCT
ajbmeb-1884	100	22	spreading	spread	VERB
ajbmeb-1884	100	23	their	their	PRON
ajbmeb-1884	100	24	risks	risk	NOUN
ajbmeb-1884	100	25	more	more	ADV
ajbmeb-1884	100	26	widely	widely	ADV
ajbmeb-1884	100	27	.	.	PUNCT
ajbmeb-1884	101	1	b	b	X
ajbmeb-1884	101	2	lower	low	ADJ
ajbmeb-1884	101	3	quality	quality	NOUN
ajbmeb-1884	101	4	mortgages	mortgage	NOUN
ajbmeb-1884	101	5	.	.	PUNCT
ajbmeb-1884	102	1	this	this	PRON
ajbmeb-1884	102	2	comes	come	VERB
ajbmeb-1884	102	3	from	from	ADP
ajbmeb-1884	102	4	the	the	DET
ajbmeb-1884	102	5	fact	fact	NOUN
ajbmeb-1884	102	6	that	that	SCONJ
ajbmeb-1884	102	7	the	the	DET
ajbmeb-1884	102	8	american	american	ADJ
ajbmeb-1884	102	9	citizen	citizen	PROPN
ajbmeb-1884	102	10	buys	buy	VERB
ajbmeb-1884	102	11	his	his	PRON
ajbmeb-1884	102	12	property	property	NOUN
ajbmeb-1884	102	13	on	on	ADP
ajbmeb-1884	102	14	credit	credit	NOUN
ajbmeb-1884	102	15	from	from	ADP
ajbmeb-1884	102	16	the	the	DET
ajbmeb-1884	102	17	bank	bank	NOUN
ajbmeb-1884	102	18	in	in	ADP
ajbmeb-1884	102	19	exchange	exchange	NOUN
ajbmeb-1884	102	20	for	for	ADP
ajbmeb-1884	102	21	mortgaging	mortgage	VERB
ajbmeb-1884	102	22	this	this	DET
ajbmeb-1884	102	23	property	property	NOUN
ajbmeb-1884	102	24	.	.	PUNCT
ajbmeb-1884	103	1	when	when	SCONJ
ajbmeb-1884	103	2	the	the	DET
ajbmeb-1884	103	3	price	price	NOUN
ajbmeb-1884	103	4	of	of	ADP
ajbmeb-1884	103	5	the	the	DET
ajbmeb-1884	103	6	mortgaged	mortgaged	ADJ
ajbmeb-1884	103	7	property	property	NOUN
ajbmeb-1884	103	8	rises	rise	NOUN
ajbmeb-1884	103	9	,	,	PUNCT
ajbmeb-1884	103	10	the	the	DET
ajbmeb-1884	103	11	property	property	NOUN
ajbmeb-1884	103	12	owner	owner	NOUN
ajbmeb-1884	103	13	tries	try	VERB
ajbmeb-1884	103	14	,	,	PUNCT
ajbmeb-1884	103	15	and	and	CCONJ
ajbmeb-1884	103	16	as	as	ADP
ajbmeb-1884	103	17	a	a	DET
ajbmeb-1884	103	18	result	result	NOUN
ajbmeb-1884	103	19	of	of	ADP
ajbmeb-1884	103	20	the	the	DET
ajbmeb-1884	103	21	ease	ease	NOUN
ajbmeb-1884	103	22	of	of	ADP
ajbmeb-1884	103	23	obtaining	obtain	VERB
ajbmeb-1884	103	24	a	a	DET
ajbmeb-1884	103	25	loan	loan	NOUN
ajbmeb-1884	103	26	,	,	PUNCT
ajbmeb-1884	103	27	the	the	DET
ajbmeb-1884	103	28	mortgage	mortgage	NOUN
ajbmeb-1884	103	29	holder	holder	NOUN
ajbmeb-1884	103	30	seeks	seek	VERB
ajbmeb-1884	103	31	to	to	PART
ajbmeb-1884	103	32	obtain	obtain	VERB
ajbmeb-1884	103	33	a	a	DET
ajbmeb-1884	103	34	new	new	ADJ
ajbmeb-1884	103	35	loan	loan	NOUN
ajbmeb-1884	103	36	,	,	PUNCT
ajbmeb-1884	103	37	in	in	ADP
ajbmeb-1884	103	38	exchange	exchange	NOUN
ajbmeb-1884	103	39	for	for	ADP
ajbmeb-1884	103	40	a	a	DET
ajbmeb-1884	103	41	new	new	ADJ
ajbmeb-1884	103	42	mortgage	mortgage	NOUN
ajbmeb-1884	103	43	from	from	ADP
ajbmeb-1884	103	44	second	second	ADJ
ajbmeb-1884	103	45	-	-	PUNCT
ajbmeb-1884	103	46	class	class	NOUN
ajbmeb-1884	103	47	mortgages	mortgage	NOUN
ajbmeb-1884	103	48	,	,	PUNCT
ajbmeb-1884	103	49	and	and	CCONJ
ajbmeb-1884	103	50	hence	hence	ADV
ajbmeb-1884	103	51	they	they	PRON
ajbmeb-1884	103	52	are	be	AUX
ajbmeb-1884	103	53	called	call	VERB
ajbmeb-1884	103	54	lower	low	ADJ
ajbmeb-1884	103	55	-	-	PUNCT
ajbmeb-1884	103	56	quality	quality	NOUN
ajbmeb-1884	103	57	mortgages	mortgage	NOUN
ajbmeb-1884	103	58	,	,	PUNCT
ajbmeb-1884	103	59	because	because	SCONJ
ajbmeb-1884	103	60	they	they	PRON
ajbmeb-1884	103	61	are	be	AUX
ajbmeb-1884	103	62	second	second	ADJ
ajbmeb-1884	103	63	-	-	PUNCT
ajbmeb-1884	103	64	class	class	NOUN
ajbmeb-1884	103	65	mortgages	mortgage	NOUN
ajbmeb-1884	103	66	,	,	PUNCT
ajbmeb-1884	103	67	meaning	mean	VERB
ajbmeb-1884	103	68	they	they	PRON
ajbmeb-1884	103	69	are	be	AUX
ajbmeb-1884	103	70	more	more	ADV
ajbmeb-1884	103	71	risky	risky	ADJ
ajbmeb-1884	103	72	if	if	SCONJ
ajbmeb-1884	103	73	the	the	DET
ajbmeb-1884	103	74	price	price	NOUN
ajbmeb-1884	103	75	of	of	ADP
ajbmeb-1884	103	76	the	the	DET
ajbmeb-1884	103	77	property	property	NOUN
ajbmeb-1884	103	78	decreases	decrease	VERB
ajbmeb-1884	103	79	,	,	PUNCT
ajbmeb-1884	103	80	and	and	CCONJ
ajbmeb-1884	103	81	banks	bank	NOUN
ajbmeb-1884	103	82	expanded	expand	VERB
ajbmeb-1884	103	83	into	into	ADP
ajbmeb-1884	103	84	this	this	DET
ajbmeb-1884	103	85	type	type	NOUN
ajbmeb-1884	103	86	of	of	ADP
ajbmeb-1884	103	87	lower	low	ADJ
ajbmeb-1884	103	88	-	-	PUNCT
ajbmeb-1884	103	89	quality	quality	NOUN
ajbmeb-1884	103	90	loans	loan	NOUN
ajbmeb-1884	103	91	,	,	PUNCT
ajbmeb-1884	103	92	which	which	PRON
ajbmeb-1884	103	93	raised	raise	VERB
ajbmeb-1884	103	94	the	the	DET
ajbmeb-1884	103	95	degree	degree	NOUN
ajbmeb-1884	103	96	of	of	ADP
ajbmeb-1884	103	97	risk	risk	NOUN
ajbmeb-1884	103	98	in	in	ADP
ajbmeb-1884	103	99	collecting	collect	VERB
ajbmeb-1884	103	100	these	these	DET
ajbmeb-1884	103	101	loans	loan	NOUN
ajbmeb-1884	103	102	.	.	PUNCT
ajbmeb-1884	104	1	c	c	VERB
ajbmeb-1884	104	2	the	the	DET
ajbmeb-1884	104	3	huge	huge	ADJ
ajbmeb-1884	104	4	increase	increase	NOUN
ajbmeb-1884	104	5	in	in	ADP
ajbmeb-1884	104	6	the	the	DET
ajbmeb-1884	104	7	securitization	securitization	NOUN
ajbmeb-1884	104	8	of	of	ADP
ajbmeb-1884	104	9	real	real	ADJ
ajbmeb-1884	104	10	estate	estate	NOUN
ajbmeb-1884	104	11	debt	debt	NOUN
ajbmeb-1884	104	12	,	,	PUNCT
ajbmeb-1884	104	13	which	which	PRON
ajbmeb-1884	104	14	was	be	AUX
ajbmeb-1884	104	15	done	do	VERB
ajbmeb-1884	104	16	by	by	ADP
ajbmeb-1884	104	17	financial	financial	ADJ
ajbmeb-1884	104	18	engineers	engineer	NOUN
ajbmeb-1884	104	19	in	in	ADP
ajbmeb-1884	104	20	the	the	DET
ajbmeb-1884	104	21	united	united	PROPN
ajbmeb-1884	104	22	states	states	PROPN
ajbmeb-1884	104	23	,	,	PUNCT
ajbmeb-1884	104	24	and	and	CCONJ
ajbmeb-1884	104	25	that	that	SCONJ
ajbmeb-1884	104	26	these	these	DET
ajbmeb-1884	104	27	loans	loan	NOUN
ajbmeb-1884	104	28	can	can	AUX
ajbmeb-1884	104	29	be	be	AUX
ajbmeb-1884	104	30	converted	convert	VERB
ajbmeb-1884	104	31	into	into	ADP
ajbmeb-1884	104	32	complex	complex	ADJ
ajbmeb-1884	104	33	securities	security	NOUN
ajbmeb-1884	104	34	(	(	PUNCT
ajbmeb-1884	104	35	debt	debt	NOUN
ajbmeb-1884	104	36	securitization	securitization	NOUN
ajbmeb-1884	104	37	)	)	PUNCT
ajbmeb-1884	104	38	through	through	ADP
ajbmeb-1884	104	39	which	which	PRON
ajbmeb-1884	104	40	successive	successive	ADJ
ajbmeb-1884	104	41	waves	wave	NOUN
ajbmeb-1884	104	42	of	of	ADP
ajbmeb-1884	104	43	financial	financial	ADJ
ajbmeb-1884	104	44	assets	asset	NOUN
ajbmeb-1884	104	45	can	can	AUX
ajbmeb-1884	104	46	be	be	AUX
ajbmeb-1884	104	47	generated	generate	VERB
ajbmeb-1884	104	48	based	base	VERB
ajbmeb-1884	104	49	on	on	ADP
ajbmeb-1884	104	50	a	a	DET
ajbmeb-1884	104	51	single	single	ADJ
ajbmeb-1884	104	52	asset	asset	NOUN
ajbmeb-1884	104	53	.	.	PUNCT
ajbmeb-1884	105	1	d	d	PRON
ajbmeb-1884	105	2	lack	lack	NOUN
ajbmeb-1884	105	3	or	or	CCONJ
ajbmeb-1884	105	4	lack	lack	NOUN
ajbmeb-1884	105	5	of	of	ADP
ajbmeb-1884	105	6	adequate	adequate	ADJ
ajbmeb-1884	105	7	oversight	oversight	NOUN
ajbmeb-1884	105	8	or	or	CCONJ
ajbmeb-1884	105	9	supervision	supervision	NOUN
ajbmeb-1884	105	10	over	over	ADP
ajbmeb-1884	105	11	intermediary	intermediary	ADJ
ajbmeb-1884	105	12	financial	financial	ADJ
ajbmeb-1884	105	13	institutions	institution	NOUN
ajbmeb-1884	105	14	,	,	PUNCT
ajbmeb-1884	105	15	as	as	SCONJ
ajbmeb-1884	105	16	investment	investment	NOUN
ajbmeb-1884	105	17	banks	bank	NOUN
ajbmeb-1884	105	18	are	be	AUX
ajbmeb-1884	105	19	not	not	PART
ajbmeb-1884	105	20	subject	subject	ADJ
ajbmeb-1884	105	21	to	to	ADP
ajbmeb-1884	105	22	new	new	ADJ
ajbmeb-1884	105	23	financial	financial	ADJ
ajbmeb-1884	105	24	products	product	NOUN
ajbmeb-1884	105	25	such	such	ADJ
ajbmeb-1884	105	26	as	as	ADP
ajbmeb-1884	105	27	financial	financial	ADJ
ajbmeb-1884	105	28	derivatives	derivative	NOUN
ajbmeb-1884	105	29	or	or	CCONJ
ajbmeb-1884	105	30	supervision	supervision	NOUN
ajbmeb-1884	105	31	over	over	ADP
ajbmeb-1884	105	32	financial	financial	ADJ
ajbmeb-1884	105	33	bodies	body	NOUN
ajbmeb-1884	105	34	that	that	PRON
ajbmeb-1884	105	35	issue	issue	VERB
ajbmeb-1884	105	36	certificates	certificate	NOUN
ajbmeb-1884	105	37	of	of	ADP
ajbmeb-1884	105	38	creditworthiness	creditworthiness	NOUN
ajbmeb-1884	105	39	.	.	PUNCT
ajbmeb-1884	106	1	cycles	cycle	NOUN
ajbmeb-1884	106	2	of	of	ADP
ajbmeb-1884	106	3	increase	increase	NOUN
ajbmeb-1884	106	4	and	and	CCONJ
ajbmeb-1884	106	5	decline	decline	VERB
ajbmeb-1884	106	6	in	in	ADP
ajbmeb-1884	106	7	real	real	ADJ
ajbmeb-1884	106	8	estate	estate	NOUN
ajbmeb-1884	106	9	prices	price	NOUN
ajbmeb-1884	106	10	were	be	AUX
ajbmeb-1884	106	11	previously	previously	ADV
ajbmeb-1884	106	12	limited	limit	VERB
ajbmeb-1884	106	13	to	to	ADP
ajbmeb-1884	106	14	the	the	DET
ajbmeb-1884	106	15	countries	country	NOUN
ajbmeb-1884	106	16	through	through	ADP
ajbmeb-1884	106	17	which	which	PRON
ajbmeb-1884	106	18	they	they	PRON
ajbmeb-1884	106	19	pass	pass	VERB
ajbmeb-1884	106	20	.	.	PUNCT
ajbmeb-1884	107	1	before	before	ADV
ajbmeb-1884	107	2	,	,	PUNCT
ajbmeb-1884	107	3	but	but	CCONJ
ajbmeb-1884	107	4	the	the	DET
ajbmeb-1884	107	5	recent	recent	ADJ
ajbmeb-1884	107	6	bubble	bubble	NOUN
ajbmeb-1884	107	7	in	in	ADP
ajbmeb-1884	107	8	the	the	DET
ajbmeb-1884	107	9	american	american	ADJ
ajbmeb-1884	107	10	real	real	ADJ
ajbmeb-1884	107	11	estate	estate	NOUN
ajbmeb-1884	107	12	sector	sector	NOUN
ajbmeb-1884	107	13	tempted	tempt	VERB
ajbmeb-1884	107	14	major	major	ADJ
ajbmeb-1884	107	15	banks	bank	NOUN
ajbmeb-1884	107	16	and	and	CCONJ
ajbmeb-1884	107	17	investment	investment	NOUN
ajbmeb-1884	107	18	funds	fund	NOUN
ajbmeb-1884	107	19	from	from	ADP
ajbmeb-1884	107	20	other	other	ADJ
ajbmeb-1884	107	21	countries	country	NOUN
ajbmeb-1884	107	22	to	to	PART
ajbmeb-1884	107	23	enter	enter	VERB
ajbmeb-1884	107	24	the	the	DET
ajbmeb-1884	107	25	american	american	ADJ
ajbmeb-1884	107	26	real	real	ADJ
ajbmeb-1884	107	27	estate	estate	NOUN
ajbmeb-1884	107	28	loan	loan	NOUN
ajbmeb-1884	107	29	market	market	NOUN
ajbmeb-1884	107	30	,	,	PUNCT
ajbmeb-1884	107	31	which	which	PRON
ajbmeb-1884	107	32	spread	spread	VERB
ajbmeb-1884	107	33	their	their	PRON
ajbmeb-1884	107	34	risks	risk	NOUN
ajbmeb-1884	107	35	more	more	ADV
ajbmeb-1884	107	36	widely	widely	ADV
ajbmeb-1884	107	37	.	.	PUNCT
ajbmeb-1884	108	1	governance	governance	NOUN
ajbmeb-1884	108	2	is	be	AUX
ajbmeb-1884	108	3	not	not	PART
ajbmeb-1884	108	4	just	just	ADV
ajbmeb-1884	108	5	good	good	ADJ
ajbmeb-1884	108	6	moral	moral	ADJ
ajbmeb-1884	108	7	slogans	slogan	NOUN
ajbmeb-1884	108	8	that	that	PRON
ajbmeb-1884	108	9	must	must	AUX
ajbmeb-1884	108	10	be	be	AUX
ajbmeb-1884	108	11	applied	apply	VERB
ajbmeb-1884	108	12	,	,	PUNCT
ajbmeb-1884	108	13	but	but	CCONJ
ajbmeb-1884	108	14	it	it	PRON
ajbmeb-1884	108	15	has	have	VERB
ajbmeb-1884	108	16	very	very	ADV
ajbmeb-1884	108	17	important	important	ADJ
ajbmeb-1884	108	18	implications	implication	NOUN
ajbmeb-1884	108	19	for	for	ADP
ajbmeb-1884	108	20	businesses	business	NOUN
ajbmeb-1884	108	21	,	,	PUNCT
ajbmeb-1884	108	22	and	and	CCONJ
ajbmeb-1884	108	23	therefore	therefore	ADV
ajbmeb-1884	108	24	companies	company	NOUN
ajbmeb-1884	108	25	should	should	AUX
ajbmeb-1884	108	26	not	not	PART
ajbmeb-1884	108	27	wait	wait	VERB
ajbmeb-1884	108	28	for	for	SCONJ
ajbmeb-1884	108	29	governments	government	NOUN
ajbmeb-1884	108	30	to	to	PART
ajbmeb-1884	108	31	impose	impose	VERB
ajbmeb-1884	108	32	certain	certain	ADJ
ajbmeb-1884	108	33	standards	standard	NOUN
ajbmeb-1884	108	34	of	of	ADP
ajbmeb-1884	108	35	corporate	corporate	ADJ
ajbmeb-1884	108	36	governance	governance	NOUN
ajbmeb-1884	108	37	on	on	ADP
ajbmeb-1884	108	38	them	they	PRON
ajbmeb-1884	108	39	,	,	PUNCT
ajbmeb-1884	108	40	but	but	CCONJ
ajbmeb-1884	108	41	rather	rather	ADV
ajbmeb-1884	108	42	they	they	PRON
ajbmeb-1884	108	43	should	should	AUX
ajbmeb-1884	108	44	adopt	adopt	VERB
ajbmeb-1884	108	45	them	they	PRON
ajbmeb-1884	108	46	voluntarily	voluntarily	ADV
ajbmeb-1884	108	47	.	.	PUNCT
ajbmeb-1884	109	1	unless	unless	SCONJ
ajbmeb-1884	109	2	investors	investor	NOUN
ajbmeb-1884	109	3	are	be	AUX
ajbmeb-1884	109	4	able	able	ADJ
ajbmeb-1884	109	5	to	to	PART
ajbmeb-1884	109	6	obtain	obtain	VERB
ajbmeb-1884	109	7	what	what	PRON
ajbmeb-1884	109	8	guarantees	guarantee	VERB
ajbmeb-1884	109	9	them	they	PRON
ajbmeb-1884	109	10	a	a	DET
ajbmeb-1884	109	11	return	return	NOUN
ajbmeb-1884	109	12	on	on	ADP
ajbmeb-1884	109	13	their	their	PRON
ajbmeb-1884	109	14	investments	investment	NOUN
ajbmeb-1884	109	15	,	,	PUNCT
ajbmeb-1884	109	16	financing	financing	NOUN
ajbmeb-1884	109	17	will	will	AUX
ajbmeb-1884	109	18	not	not	PART
ajbmeb-1884	109	19	flow	flow	VERB
ajbmeb-1884	109	20	to	to	ADP
ajbmeb-1884	109	21	enterprises	enterprise	NOUN
ajbmeb-1884	109	22	,	,	PUNCT
ajbmeb-1884	109	23	and	and	CCONJ
ajbmeb-1884	109	24	without	without	ADP
ajbmeb-1884	109	25	financial	financial	ADJ
ajbmeb-1884	109	26	flows	flow	VERB
ajbmeb-1884	109	27	the	the	DET
ajbmeb-1884	109	28	full	full	ADJ
ajbmeb-1884	109	29	potential	potential	NOUN
ajbmeb-1884	109	30	of	of	ADP
ajbmeb-1884	109	31	enterprise	enterprise	NOUN
ajbmeb-1884	109	32	growth	growth	NOUN
ajbmeb-1884	109	33	can	can	AUX
ajbmeb-1884	109	34	not	not	PART
ajbmeb-1884	109	35	be	be	AUX
ajbmeb-1884	109	36	achieved	achieve	VERB
ajbmeb-1884	109	37	.	.	PUNCT
ajbmeb-1884	110	1	one	one	NUM
ajbmeb-1884	110	2	of	of	ADP
ajbmeb-1884	110	3	the	the	DET
ajbmeb-1884	110	4	major	major	ADJ
ajbmeb-1884	110	5	benefits	benefit	NOUN
ajbmeb-1884	110	6	that	that	PRON
ajbmeb-1884	110	7	arise	arise	VERB
ajbmeb-1884	110	8	from	from	ADP
ajbmeb-1884	110	9	improving	improve	VERB
ajbmeb-1884	110	10	corporate	corporate	ADJ
ajbmeb-1884	110	11	governance	governance	NOUN
ajbmeb-1884	110	12	is	be	AUX
ajbmeb-1884	110	13	the	the	DET
ajbmeb-1884	110	14	increased	increase	VERB
ajbmeb-1884	110	15	availability	availability	NOUN
ajbmeb-1884	110	16	of	of	ADP
ajbmeb-1884	110	17	financing	financing	NOUN
ajbmeb-1884	110	18	and	and	CCONJ
ajbmeb-1884	110	19	the	the	DET
ajbmeb-1884	110	20	possibility	possibility	NOUN
ajbmeb-1884	110	21	of	of	ADP
ajbmeb-1884	110	22	obtaining	obtain	VERB
ajbmeb-1884	110	23	cheaper	cheap	ADJ
ajbmeb-1884	110	24	sources	source	NOUN
ajbmeb-1884	110	25	.	.	PUNCT
ajbmeb-1884	111	1	for	for	ADP
ajbmeb-1884	111	2	financing	financing	NOUN
ajbmeb-1884	111	3	,	,	PUNCT
ajbmeb-1884	111	4	which	which	PRON
ajbmeb-1884	111	5	increases	increase	VERB
ajbmeb-1884	111	6	the	the	DET
ajbmeb-1884	111	7	importance	importance	NOUN
ajbmeb-1884	111	8	of	of	ADP
ajbmeb-1884	111	9	governance	governance	NOUN
ajbmeb-1884	111	10	,	,	PUNCT
ajbmeb-1884	111	11	especially	especially	ADV
ajbmeb-1884	111	12	for	for	ADP
ajbmeb-1884	111	13	developing	develop	VERB
ajbmeb-1884	111	14	countries	country	NOUN
ajbmeb-1884	111	15	.	.	PUNCT
ajbmeb-1884	112	1	the	the	DET
ajbmeb-1884	112	2	third	third	ADJ
ajbmeb-1884	112	3	topic	topic	NOUN
ajbmeb-1884	112	4	the	the	DET
ajbmeb-1884	112	5	practical	practical	ADJ
ajbmeb-1884	112	6	side	side	NOUN
ajbmeb-1884	112	7	first	first	ADV
ajbmeb-1884	112	8	:	:	PUNCT
ajbmeb-1884	112	9	a	a	DET
ajbmeb-1884	112	10	brief	brief	ADJ
ajbmeb-1884	112	11	overview	overview	NOUN
ajbmeb-1884	112	12	of	of	ADP
ajbmeb-1884	112	13	the	the	DET
ajbmeb-1884	112	14	iraqi	iraqi	ADJ
ajbmeb-1884	112	15	middle	middle	PROPN
ajbmeb-1884	112	16	east	east	PROPN
ajbmeb-1884	112	17	investment	investment	PROPN
ajbmeb-1884	112	18	bank	bank	PROPN
ajbmeb-1884	112	19	the	the	DET
ajbmeb-1884	112	20	bank	bank	NOUN
ajbmeb-1884	112	21	was	be	AUX
ajbmeb-1884	112	22	established	establish	VERB
ajbmeb-1884	112	23	as	as	ADP
ajbmeb-1884	112	24	a	a	DET
ajbmeb-1884	112	25	joint	joint	ADJ
ajbmeb-1884	112	26	stock	stock	NOUN
ajbmeb-1884	112	27	company	company	NOUN
ajbmeb-1884	112	28	in	in	ADP
ajbmeb-1884	112	29	1993	1993	NUM
ajbmeb-1884	112	30	with	with	ADP
ajbmeb-1884	112	31	a	a	DET
ajbmeb-1884	112	32	nominal	nominal	ADJ
ajbmeb-1884	112	33	capital	capital	NOUN
ajbmeb-1884	112	34	of	of	ADP
ajbmeb-1884	112	35	400	400	NUM
ajbmeb-1884	112	36	million	million	NUM
ajbmeb-1884	112	37	k’siraqi	k’siraqi	ADJ
ajbmeb-1884	112	38	dinars	dinar	NOUN
ajbmeb-1884	112	39	,	,	PUNCT
ajbmeb-1884	112	40	paid	pay	VERB
ajbmeb-1884	112	41	for	for	ADP
ajbmeb-1884	112	42	with	with	ADP
ajbmeb-1884	112	43	100	100	NUM
ajbmeb-1884	112	44	million	million	NUM
ajbmeb-1884	112	45	dinars	dinar	NOUN
ajbmeb-1884	112	46	,	,	PUNCT
ajbmeb-1884	112	47	and	and	CCONJ
ajbmeb-1884	112	48	actually	actually	ADV
ajbmeb-1884	112	49	began	begin	VERB
ajbmeb-1884	112	50	its	its	PRON
ajbmeb-1884	112	51	work	work	NOUN
ajbmeb-1884	112	52	on	on	ADP
ajbmeb-1884	112	53	5/8/1994	5/8/1994	NUM
ajbmeb-1884	112	54	.	.	PUNCT
ajbmeb-1884	113	1	the	the	DET
ajbmeb-1884	113	2	ban	ban	NOUN
ajbmeb-1884	113	3	goal	goal	NOUN
ajbmeb-1884	113	4	is	be	AUX
ajbmeb-1884	113	5	to	to	PART
ajbmeb-1884	113	6	mobilize	mobilize	VERB
ajbmeb-1884	113	7	national	national	ADJ
ajbmeb-1884	113	8	savings	saving	NOUN
ajbmeb-1884	113	9	and	and	CCONJ
ajbmeb-1884	113	10	employ	employ	VERB
ajbmeb-1884	113	11	them	they	PRON
ajbmeb-1884	113	12	in	in	ADP
ajbmeb-1884	113	13	various	various	ADJ
ajbmeb-1884	113	14	investment	investment	NOUN
ajbmeb-1884	113	15	fields	field	NOUN
ajbmeb-1884	113	16	and	and	CCONJ
ajbmeb-1884	113	17	contribute	contribute	VERB
ajbmeb-1884	113	18	to	to	ADP
ajbmeb-1884	113	19	strengthening	strengthen	VERB
ajbmeb-1884	113	20	the	the	DET
ajbmeb-1884	113	21	process	process	NOUN
ajbmeb-1884	113	22	of	of	ADP
ajbmeb-1884	113	23	economic	economic	ADJ
ajbmeb-1884	113	24	development	development	NOUN
ajbmeb-1884	113	25	in	in	ADP
ajbmeb-1884	113	26	iraq	iraq	PROPN
ajbmeb-1884	113	27	in	in	ADP
ajbmeb-1884	113	28	accordance	accordance	NOUN
ajbmeb-1884	113	29	with	with	ADP
ajbmeb-1884	113	30	the	the	DET
ajbmeb-1884	113	31	general	general	ADJ
ajbmeb-1884	113	32	policy	policy	PROPN
ajbmeb-1884	113	33	bank	bank	NOUN
ajbmeb-1884	113	34	’s	’s	PART
ajbmeb-1884	113	35	goals	goal	NOUN
ajbmeb-1884	113	36	of	of	ADP
ajbmeb-1884	113	37	development	development	NOUN
ajbmeb-1884	113	38	and	and	CCONJ
ajbmeb-1884	113	39	growth	growth	NOUN
ajbmeb-1884	113	40	,	,	PUNCT
ajbmeb-1884	113	41	the	the	PRON
ajbmeb-1884	113	42	bankachieve	bankachieve	VERB
ajbmeb-1884	113	43	the	the	DET
ajbmeb-1884	113	44	framework	framework	NOUN
ajbmeb-1884	113	45	of	of	ADP
ajbmeb-1884	113	46	the	the	DET
ajbmeb-1884	113	47	state	state	NOUN
ajbmeb-1884	113	48	.	.	PUNCT
ajbmeb-1884	114	1	in	in	ADP
ajbmeb-1884	114	2	order	order	NOUN
ajbmeb-1884	114	3	to	to	ADP
ajbmeb-1884	114	4	american	american	ADJ
ajbmeb-1884	114	5	journal	journal	PROPN
ajbmeb-1884	114	6	of	of	ADP
ajbmeb-1884	114	7	business	business	NOUN
ajbmeb-1884	114	8	management	management	NOUN
ajbmeb-1884	114	9	,	,	PUNCT
ajbmeb-1884	114	10	economics	economic	NOUN
ajbmeb-1884	114	11	and	and	CCONJ
ajbmeb-1884	114	12	banking	banking	NOUN
ajbmeb-1884	114	13	volume	volume	NOUN
ajbmeb-1884	114	14	21	21	NUM
ajbmeb-1884	114	15	february	february	PROPN
ajbmeb-1884	114	16	,	,	PUNCT
ajbmeb-1884	114	17	2024	2024	NUM
ajbmeb-1884	114	18	p	p	NOUN
ajbmeb-1884	114	19	a	a	DET
ajbmeb-1884	114	20	g	g	NOUN
ajbmeb-1884	114	21	e	e	PROPN
ajbmeb-1884	114	22	|	|	ADV
ajbmeb-1884	114	23	86	86	NUM
ajbmeb-1884	114	24	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	114	25	undertakes	undertake	VERB
ajbmeb-1884	114	26	various	various	ADJ
ajbmeb-1884	114	27	types	type	NOUN
ajbmeb-1884	114	28	of	of	ADP
ajbmeb-1884	114	29	banking	banking	NOUN
ajbmeb-1884	114	30	activities	activity	NOUN
ajbmeb-1884	114	31	and	and	CCONJ
ajbmeb-1884	114	32	as	as	SCONJ
ajbmeb-1884	114	33	permitted	permit	VERB
ajbmeb-1884	114	34	by	by	ADP
ajbmeb-1884	114	35	the	the	DET
ajbmeb-1884	114	36	laws	law	NOUN
ajbmeb-1884	114	37	and	and	CCONJ
ajbmeb-1884	114	38	instructions	instruction	NOUN
ajbmeb-1884	114	39	of	of	ADP
ajbmeb-1884	114	40	the	the	DET
ajbmeb-1884	114	41	central	central	ADJ
ajbmeb-1884	114	42	bank	bank	PROPN
ajbmeb-1884	114	43	of	of	ADP
ajbmeb-1884	114	44	iraq	iraq	PROPN
ajbmeb-1884	114	45	,	,	PUNCT
ajbmeb-1884	114	46	such	such	ADJ
ajbmeb-1884	114	47	as	as	ADP
ajbmeb-1884	114	48	(	(	PUNCT
ajbmeb-1884	114	49	investment	investment	NOUN
ajbmeb-1884	114	50	loans	loan	NOUN
ajbmeb-1884	114	51	,	,	PUNCT
ajbmeb-1884	114	52	banking	banking	NOUN
ajbmeb-1884	114	53	facilities	facility	NOUN
ajbmeb-1884	114	54	,	,	PUNCT
ajbmeb-1884	114	55	and	and	CCONJ
ajbmeb-1884	114	56	external	external	ADJ
ajbmeb-1884	114	57	transfer	transfer	NOUN
ajbmeb-1884	114	58	(	(	PUNCT
ajbmeb-1884	114	59	.	.	PUNCT
ajbmeb-1884	115	1	as	as	ADP
ajbmeb-1884	115	2	for	for	ADP
ajbmeb-1884	115	3	the	the	DET
ajbmeb-1884	115	4	number	number	NOUN
ajbmeb-1884	115	5	,	,	PUNCT
ajbmeb-1884	115	6	locations	location	NOUN
ajbmeb-1884	115	7	,	,	PUNCT
ajbmeb-1884	115	8	and	and	CCONJ
ajbmeb-1884	115	9	branches	branch	NOUN
ajbmeb-1884	115	10	of	of	ADP
ajbmeb-1884	115	11	the	the	DET
ajbmeb-1884	115	12	bank	bank	NOUN
ajbmeb-1884	115	13	,	,	PUNCT
ajbmeb-1884	115	14	they	they	PRON
ajbmeb-1884	115	15	are	be	AUX
ajbmeb-1884	115	16	20	20	NUM
ajbmeb-1884	115	17	operating	operating	NOUN
ajbmeb-1884	115	18	branches	branch	NOUN
ajbmeb-1884	115	19	inside	inside	ADP
ajbmeb-1884	115	20	iraq	iraq	PROPN
ajbmeb-1884	115	21	,	,	PUNCT
ajbmeb-1884	115	22	8	8	NUM
ajbmeb-1884	115	23	inside	inside	ADP
ajbmeb-1884	115	24	the	the	DET
ajbmeb-1884	115	25	city	city	NOUN
ajbmeb-1884	115	26	of	of	ADP
ajbmeb-1884	115	27	baghdad	baghdad	PROPN
ajbmeb-1884	115	28	and	and	CCONJ
ajbmeb-1884	115	29	12	12	NUM
ajbmeb-1884	115	30	outside	outside	ADP
ajbmeb-1884	115	31	it	it	PRON
ajbmeb-1884	115	32	.	.	PUNCT
ajbmeb-1884	116	1	second	second	ADV
ajbmeb-1884	116	2	:	:	PUNCT
ajbmeb-1884	116	3	the	the	DET
ajbmeb-1884	116	4	results	result	NOUN
ajbmeb-1884	116	5	of	of	ADP
ajbmeb-1884	116	6	analyzing	analyze	VERB
ajbmeb-1884	116	7	the	the	DET
ajbmeb-1884	116	8	research	research	NOUN
ajbmeb-1884	116	9	variables	variable	NOUN
ajbmeb-1884	116	10	using	use	VERB
ajbmeb-1884	116	11	percentages	percentage	NOUN
ajbmeb-1884	116	12	and	and	CCONJ
ajbmeb-1884	116	13	testing	test	VERB
ajbmeb-1884	116	14	the	the	DET
ajbmeb-1884	116	15	first	first	ADJ
ajbmeb-1884	116	16	hypothesis	hypothesis	NOUN
ajbmeb-1884	116	17	,	,	PUNCT
ajbmeb-1884	116	18	as	as	SCONJ
ajbmeb-1884	116	19	shown	show	VERB
ajbmeb-1884	116	20	in	in	ADP
ajbmeb-1884	116	21	the	the	DET
ajbmeb-1884	116	22	following	follow	VERB
ajbmeb-1884	116	23	tables	table	NOUN
ajbmeb-1884	116	24	:	:	PUNCT
ajbmeb-1884	116	25	)	)	PUNCT
ajbmeb-1884	116	26	table	table	NOUN
ajbmeb-1884	116	27	2	2	NUM
ajbmeb-1884	116	28	(	(	PUNCT
ajbmeb-1884	116	29	honesty	honesty	ADJ
ajbmeb-1884	116	30	variable	variable	NOUN
ajbmeb-1884	116	31	1membership	1membership	NUM
ajbmeb-1884	116	32	innominating	innominate	VERB
ajbmeb-1884	116	33	qualified	qualified	ADJ
ajbmeb-1884	116	34	members	member	NOUN
ajbmeb-1884	116	35	of	of	ADP
ajbmeb-1884	116	36	the	the	DET
ajbmeb-1884	116	37	general	general	ADJ
ajbmeb-1884	116	38	assembly	assembly	NOUN
ajbmeb-1884	116	39	or	or	CCONJ
ajbmeb-1884	116	40	outside	outside	ADP
ajbmeb-1884	116	41	it	it	PRON
ajbmeb-1884	116	42	for	for	ADP
ajbmeb-1884	116	43	the	the	DET
ajbmeb-1884	116	44	board	board	NOUN
ajbmeb-1884	116	45	of	of	ADP
ajbmeb-1884	116	46	directors	director	NOUN
ajbmeb-1884	116	47	who	who	PRON
ajbmeb-1884	116	48	are	be	AUX
ajbmeb-1884	116	49	characterized	characterize	VERB
ajbmeb-1884	116	50	by	by	ADP
ajbmeb-1884	116	51	honesty	honesty	NOUN
ajbmeb-1884	116	52	.	.	PUNCT
ajbmeb-1884	117	1	scale	scale	NOUN
ajbmeb-1884	117	2	degree	degree	NOUN
ajbmeb-1884	117	3	repetition	repetition	NOUN
ajbmeb-1884	117	4	percentage	percentage	NOUN
ajbmeb-1884	117	5	_	_	PUNCT
ajbmeb-1884	118	1	%	%	NOUN
ajbmeb-1884	118	2	1	1	NUM
ajbmeb-1884	118	3	1	1	NUM
ajbmeb-1884	118	4	4	4	NUM
ajbmeb-1884	118	5	2	2	NUM
ajbmeb-1884	118	6	1	1	NUM
ajbmeb-1884	118	7	4	4	NUM
ajbmeb-1884	118	8	3	3	NUM
ajbmeb-1884	118	9	3	3	NUM
ajbmeb-1884	118	10	12	12	NUM
ajbmeb-1884	118	11	4	4	NUM
ajbmeb-1884	118	12	10	10	NUM
ajbmeb-1884	118	13	40	40	NUM
ajbmeb-1884	118	14	5	5	NUM
ajbmeb-1884	118	15	10	10	NUM
ajbmeb-1884	118	16	40	40	NUM
ajbmeb-1884	118	17	2the	2the	NUM
ajbmeb-1884	118	18	bank	bank	NOUN
ajbmeb-1884	118	19	sets	set	VERB
ajbmeb-1884	118	20	standards	standard	NOUN
ajbmeb-1884	118	21	that	that	PRON
ajbmeb-1884	118	22	determine	determine	VERB
ajbmeb-1884	118	23	the	the	DET
ajbmeb-1884	118	24	membership	membership	NOUN
ajbmeb-1884	118	25	of	of	ADP
ajbmeb-1884	118	26	board	board	NOUN
ajbmeb-1884	118	27	members	member	NOUN
ajbmeb-1884	118	28	in	in	ADP
ajbmeb-1884	118	29	the	the	DET
ajbmeb-1884	118	30	board	board	NOUN
ajbmeb-1884	118	31	of	of	ADP
ajbmeb-1884	118	32	bank	bank	PROPN
ajbmeb-1884	118	33	and	and	CCONJ
ajbmeb-1884	118	34	other	other	ADJ
ajbmeb-1884	118	35	banksthe	banksthe	PRON
ajbmeb-1884	118	36	.	.	PUNCT
ajbmeb-1884	119	1	scale	scale	NOUN
ajbmeb-1884	119	2	degree	degree	NOUN
ajbmeb-1884	119	3	repetition	repetition	NOUN
ajbmeb-1884	119	4	percentage	percentage	NOUN
ajbmeb-1884	119	5	_	_	PUNCT
ajbmeb-1884	120	1	%	%	NOUN
ajbmeb-1884	120	2	1	1	NUM
ajbmeb-1884	120	3	1	1	NUM
ajbmeb-1884	120	4	4	4	NUM
ajbmeb-1884	120	5	2	2	NUM
ajbmeb-1884	120	6	1	1	NUM
ajbmeb-1884	120	7	4	4	NUM
ajbmeb-1884	120	8	3	3	NUM
ajbmeb-1884	120	9	6	6	NUM
ajbmeb-1884	120	10	24	24	NUM
ajbmeb-1884	120	11	4	4	NUM
ajbmeb-1884	120	12	9	9	NUM
ajbmeb-1884	120	13	36	36	NUM
ajbmeb-1884	120	14	5	5	NUM
ajbmeb-1884	120	15	8	8	NUM
ajbmeb-1884	120	16	32	32	NUM
ajbmeb-1884	120	17	3oversight	3oversight	NUM
ajbmeb-1884	120	18	function	function	NOUN
ajbmeb-1884	120	19	of	of	ADP
ajbmeb-1884	120	20	the	the	DET
ajbmeb-1884	120	21	board	board	NOUN
ajbmeb-1884	120	22	of	of	ADP
ajbmeb-1884	120	23	directors	director	NOUN
ajbmeb-1884	120	24	requires	require	VERB
ajbmeb-1884	120	25	separating	separate	VERB
ajbmeb-1884	120	26	the	the	DET
ajbmeb-1884	120	27	responsibilities	responsibility	NOUN
ajbmeb-1884	120	28	of	of	ADP
ajbmeb-1884	120	29	the	the	DET
ajbmeb-1884	120	30	management	management	NOUN
ajbmeb-1884	120	31	and	and	CCONJ
ajbmeb-1884	120	32	not	not	PART
ajbmeb-1884	120	33	combining	combine	VERB
ajbmeb-1884	120	34	them	they	PRON
ajbmeb-1884	120	35	in	in	ADP
ajbmeb-1884	120	36	one	one	NUM
ajbmeb-1884	120	37	personboard	personboard	NOUN
ajbmeb-1884	120	38	of	of	ADP
ajbmeb-1884	120	39	directors	director	NOUN
ajbmeb-1884	120	40	and	and	CCONJ
ajbmeb-1884	120	41	executive	executive	ADJ
ajbmeb-1884	120	42	scale	scale	NOUN
ajbmeb-1884	120	43	degree	degree	NOUN
ajbmeb-1884	120	44	repetition	repetition	NOUN
ajbmeb-1884	120	45	percentage	percentage	NOUN
ajbmeb-1884	121	1	_	_	PUNCT
ajbmeb-1884	122	1	%	%	NOUN
ajbmeb-1884	122	2	1	1	NUM
ajbmeb-1884	122	3	1	1	NUM
ajbmeb-1884	122	4	4	4	NUM
ajbmeb-1884	122	5	2	2	NUM
ajbmeb-1884	122	6	2	2	NUM
ajbmeb-1884	122	7	8	8	NUM
ajbmeb-1884	122	8	3	3	NUM
ajbmeb-1884	122	9	5	5	NUM
ajbmeb-1884	122	10	20	20	NUM
ajbmeb-1884	122	11	4	4	NUM
ajbmeb-1884	122	12	10	10	NUM
ajbmeb-1884	122	13	40	40	NUM
ajbmeb-1884	122	14	5	5	NUM
ajbmeb-1884	122	15	7	7	NUM
ajbmeb-1884	122	16	28	28	NUM
ajbmeb-1884	122	17	the	the	DET
ajbmeb-1884	122	18	table	table	NOUN
ajbmeb-1884	122	19	above	above	ADV
ajbmeb-1884	122	20	shows	show	VERB
ajbmeb-1884	122	21	that	that	SCONJ
ajbmeb-1884	122	22	the	the	DET
ajbmeb-1884	122	23	research	research	NOUN
ajbmeb-1884	122	24	sample	sample	NOUN
ajbmeb-1884	122	25	had	have	VERB
ajbmeb-1884	122	26	a	a	DET
ajbmeb-1884	122	27	good	good	ADJ
ajbmeb-1884	122	28	impression	impression	NOUN
ajbmeb-1884	122	29	of	of	ADP
ajbmeb-1884	122	30	the	the	DET
ajbmeb-1884	122	31	honesty	honesty	ADJ
ajbmeb-1884	122	32	variable	variable	NOUN
ajbmeb-1884	122	33	,	,	PUNCT
ajbmeb-1884	122	34	as	as	SCONJ
ajbmeb-1884	122	35	80	80	NUM
ajbmeb-1884	122	36	%	%	NOUN
ajbmeb-1884	122	37	represented	represent	VERB
ajbmeb-1884	122	38	a	a	DET
ajbmeb-1884	122	39	good	good	ADJ
ajbmeb-1884	122	40	impression	impression	NOUN
ajbmeb-1884	122	41	on	on	ADP
ajbmeb-1884	122	42	the	the	DET
ajbmeb-1884	122	43	paragraph	paragraph	NOUN
ajbmeb-1884	122	44	related	relate	VERB
ajbmeb-1884	122	45	to	to	ADP
ajbmeb-1884	122	46	the	the	DET
ajbmeb-1884	122	47	efficiency	efficiency	NOUN
ajbmeb-1884	122	48	and	and	CCONJ
ajbmeb-1884	122	49	honesty	honesty	NOUN
ajbmeb-1884	122	50	of	of	ADP
ajbmeb-1884	122	51	the	the	DET
ajbmeb-1884	122	52	board	board	NOUN
ajbmeb-1884	122	53	of	of	ADP
ajbmeb-1884	122	54	directors	director	NOUN
ajbmeb-1884	122	55	,	,	PUNCT
ajbmeb-1884	122	56	while	while	SCONJ
ajbmeb-1884	122	57	the	the	DET
ajbmeb-1884	122	58	percentages	percentage	NOUN
ajbmeb-1884	122	59	reached	reach	VERB
ajbmeb-1884	122	60	68	68	NUM
ajbmeb-1884	122	61	%	%	NOUN
ajbmeb-1884	122	62	and	and	CCONJ
ajbmeb-1884	122	63	68	68	NUM
ajbmeb-1884	122	64	%	%	NOUN
ajbmeb-1884	122	65	,	,	PUNCT
ajbmeb-1884	122	66	respectively	respectively	ADV
ajbmeb-1884	122	67	,	,	PUNCT
ajbmeb-1884	122	68	on	on	ADP
ajbmeb-1884	122	69	the	the	DET
ajbmeb-1884	122	70	paragraphs	paragraph	NOUN
ajbmeb-1884	122	71	related	relate	VERB
ajbmeb-1884	122	72	to	to	ADP
ajbmeb-1884	122	73	setting	set	VERB
ajbmeb-1884	122	74	standards	standard	NOUN
ajbmeb-1884	122	75	and	and	CCONJ
ajbmeb-1884	122	76	separating	separate	VERB
ajbmeb-1884	122	77	the	the	DET
ajbmeb-1884	122	78	two	two	NUM
ajbmeb-1884	122	79	responsibilities	responsibility	NOUN
ajbmeb-1884	122	80	of	of	ADP
ajbmeb-1884	122	81	the	the	DET
ajbmeb-1884	122	82	board	board	NOUN
ajbmeb-1884	122	83	of	of	ADP
ajbmeb-1884	122	84	directors	director	NOUN
ajbmeb-1884	122	85	(	(	PUNCT
ajbmeb-1884	122	86	administrative	administrative	ADJ
ajbmeb-1884	122	87	)	)	PUNCT
ajbmeb-1884	122	88	.	.	PUNCT
ajbmeb-1884	123	1	and	and	CCONJ
ajbmeb-1884	123	2	executive	executive	NOUN
ajbmeb-1884	123	3	(	(	PUNCT
ajbmeb-1884	123	4	american	american	ADJ
ajbmeb-1884	123	5	journal	journal	PROPN
ajbmeb-1884	123	6	of	of	ADP
ajbmeb-1884	123	7	business	business	NOUN
ajbmeb-1884	123	8	management	management	NOUN
ajbmeb-1884	123	9	,	,	PUNCT
ajbmeb-1884	123	10	economics	economic	NOUN
ajbmeb-1884	123	11	and	and	CCONJ
ajbmeb-1884	123	12	banking	banking	NOUN
ajbmeb-1884	123	13	volume	volume	NOUN
ajbmeb-1884	123	14	21	21	NUM
ajbmeb-1884	123	15	february	february	PROPN
ajbmeb-1884	123	16	,	,	PUNCT
ajbmeb-1884	123	17	2024	2024	NUM
ajbmeb-1884	123	18	p	p	NOUN
ajbmeb-1884	123	19	a	a	PRON
ajbmeb-1884	123	20	g	g	NOUN
ajbmeb-1884	123	21	e	e	NOUN
ajbmeb-1884	123	22	|	|	ADV
ajbmeb-1884	123	23	87	87	NUM
ajbmeb-1884	123	24	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1884	123	25	bpublic	bpublic	ADJ
ajbmeb-1884	123	26	policy	policy	NOUN
ajbmeb-1884	123	27	(	(	PUNCT
ajbmeb-1884	123	28	table	table	NOUN
ajbmeb-1884	123	29	3	3	NUM
ajbmeb-1884	123	30	)	)	PUNCT
ajbmeb-1884	123	31	1members	1member	NOUN
ajbmeb-1884	123	32	'	'	PART
ajbmeb-1884	123	33	practical	practical	ADJ
ajbmeb-1884	123	34	and	and	CCONJ
ajbmeb-1884	123	35	scientificthe	scientificthe	PROPN
ajbmeb-1884	123	36	bank	bank	NOUN
ajbmeb-1884	123	37	's	's	PART
ajbmeb-1884	123	38	interest	interest	NOUN
ajbmeb-1884	123	39	requires	require	VERB
ajbmeb-1884	123	40	focusing	focus	VERB
ajbmeb-1884	123	41	on	on	ADP
ajbmeb-1884	123	42	the	the	DET
ajbmeb-1884	123	43	diversity	diversity	NOUN
ajbmeb-1884	123	44	of	of	ADP
ajbmeb-1884	123	45	experiences	experience	NOUN
ajbmeb-1884	123	46	.	.	PUNCT
ajbmeb-1884	124	1	scale	scale	NOUN
ajbmeb-1884	124	2	degree	degree	NOUN
ajbmeb-1884	124	3	repetition	repetition	NOUN
ajbmeb-1884	124	4	percentage	percentage	NOUN
ajbmeb-1884	124	5	_	_	PUNCT
ajbmeb-1884	125	1	%	%	NOUN
ajbmeb-1884	125	2	1	1	NUM
ajbmeb-1884	125	3	2	2	NUM
ajbmeb-1884	125	4	8	8	NUM
ajbmeb-1884	125	5	2	2	NUM
ajbmeb-1884	125	6	3	3	NUM
ajbmeb-1884	125	7	12	12	NUM
ajbmeb-1884	125	8	3	3	NUM
ajbmeb-1884	125	9	4	4	NUM
ajbmeb-1884	125	10	16	16	NUM
ajbmeb-1884	125	11	4	4	NUM
ajbmeb-1884	125	12	9	9	NUM
ajbmeb-1884	125	13	36	36	NUM
ajbmeb-1884	125	14	5	5	NUM
ajbmeb-1884	125	15	7	7	NUM
ajbmeb-1884	125	16	28	28	NUM
ajbmeb-1884	125	17	2the	2the	PROPN
ajbmeb-1884	125	18	council	council	NOUN
ajbmeb-1884	125	19	’s	’s	PART
ajbmeb-1884	125	20	efficiency	efficiency	NOUN
ajbmeb-1884	125	21	and	and	CCONJ
ajbmeb-1884	125	22	performance	performance	NOUN
ajbmeb-1884	125	23	are	be	AUX
ajbmeb-1884	125	24	evaluated	evaluate	VERB
ajbmeb-1884	125	25	to	to	PART
ajbmeb-1884	125	26	achieve	achieve	VERB
ajbmeb-1884	125	27	the	the	DET
ajbmeb-1884	125	28	strategic	strategic	ADJ
ajbmeb-1884	125	29	performance	performance	NOUN
ajbmeb-1884	125	30	measurement	measurement	NOUN
ajbmeb-1884	125	31	standardsobjectives	standardsobjective	NOUN
ajbmeb-1884	125	32	and	and	CCONJ
ajbmeb-1884	125	33	other	other	ADJ
ajbmeb-1884	125	34	.	.	PUNCT
ajbmeb-1884	126	1	scale	scale	NOUN
ajbmeb-1884	126	2	degree	degree	NOUN
ajbmeb-1884	126	3	repetition	repetition	NOUN
ajbmeb-1884	126	4	percentage	percentage	NOUN
ajbmeb-1884	126	5	_	_	PUNCT
ajbmeb-1884	127	1	%	%	NOUN
ajbmeb-1884	127	2	1	1	NUM
ajbmeb-1884	127	3	1	1	NUM
ajbmeb-1884	127	4	4	4	NUM
ajbmeb-1884	127	5	2	2	NUM
ajbmeb-1884	127	6	2	2	NUM
ajbmeb-1884	127	7	8	8	NUM
ajbmeb-1884	127	8	3	3	NUM
ajbmeb-1884	127	9	5	5	NUM
ajbmeb-1884	127	10	20	20	NUM
ajbmeb-1884	127	11	4	4	NUM
ajbmeb-1884	127	12	10	10	NUM
ajbmeb-1884	127	13	40	40	NUM
ajbmeb-1884	127	14	5	5	NUM
ajbmeb-1884	127	15	7	7	NUM
ajbmeb-1884	127	16	28	28	NUM
ajbmeb-1884	127	17	3the	3the	PRON
ajbmeb-1884	127	18	board	board	NOUN
ajbmeb-1884	127	19	of	of	ADP
ajbmeb-1884	127	20	directors	director	NOUN
ajbmeb-1884	127	21	sets	set	VERB
ajbmeb-1884	127	22	goals	goal	NOUN
ajbmeb-1884	127	23	and	and	CCONJ
ajbmeb-1884	127	24	strategies	strategy	NOUN
ajbmeb-1884	127	25	,	,	PUNCT
ajbmeb-1884	127	26	develops	develop	VERB
ajbmeb-1884	127	27	them	they	PRON
ajbmeb-1884	127	28	,	,	PUNCT
ajbmeb-1884	127	29	and	and	CCONJ
ajbmeb-1884	127	30	verifies	verifie	NOUN
ajbmeb-1884	127	31	compliance	compliance	NOUN
ajbmeb-1884	127	32	with	with	ADP
ajbmeb-1884	127	33	them	they	PRON
ajbmeb-1884	127	34	.	.	PUNCT
ajbmeb-1884	128	1	scale	scale	NOUN
ajbmeb-1884	128	2	degree	degree	NOUN
ajbmeb-1884	128	3	repetition	repetition	NOUN
ajbmeb-1884	128	4	percentage	percentage	NOUN
ajbmeb-1884	128	5	_	_	PUNCT
ajbmeb-1884	129	1	%	%	NOUN
ajbmeb-1884	129	2	1	1	NUM
ajbmeb-1884	129	3	1	1	NUM
ajbmeb-1884	129	4	4	4	NUM
ajbmeb-1884	129	5	2	2	NUM
ajbmeb-1884	129	6	3	3	NUM
ajbmeb-1884	129	7	12	12	NUM
ajbmeb-1884	129	8	3	3	NUM
ajbmeb-1884	129	9	3	3	NUM
ajbmeb-1884	129	10	12	12	NUM
ajbmeb-1884	129	11	4	4	NUM
ajbmeb-1884	129	12	11	11	NUM
ajbmeb-1884	129	13	44	44	NUM
ajbmeb-1884	129	14	5	5	NUM
ajbmeb-1884	129	15	7	7	NUM
ajbmeb-1884	129	16	28	28	NUM
ajbmeb-1884	129	17	the	the	DET
ajbmeb-1884	129	18	table	table	NOUN
ajbmeb-1884	129	19	above	above	ADV
ajbmeb-1884	129	20	shows	show	VERB
ajbmeb-1884	129	21	that	that	SCONJ
ajbmeb-1884	129	22	the	the	DET
ajbmeb-1884	129	23	research	research	NOUN
ajbmeb-1884	129	24	sample	sample	NOUN
ajbmeb-1884	129	25	had	have	VERB
ajbmeb-1884	129	26	a	a	DET
ajbmeb-1884	129	27	good	good	ADJ
ajbmeb-1884	129	28	impression	impression	NOUN
ajbmeb-1884	129	29	of	of	ADP
ajbmeb-1884	129	30	the	the	DET
ajbmeb-1884	129	31	public	public	ADJ
ajbmeb-1884	129	32	policy	policy	NOUN
ajbmeb-1884	129	33	variable	variable	NOUN
ajbmeb-1884	129	34	,	,	PUNCT
ajbmeb-1884	129	35	as	as	SCONJ
ajbmeb-1884	129	36	72	72	NUM
ajbmeb-1884	129	37	%	%	NOUN
ajbmeb-1884	129	38	represented	represent	VERB
ajbmeb-1884	129	39	a	a	DET
ajbmeb-1884	129	40	good	good	ADJ
ajbmeb-1884	129	41	impression	impression	NOUN
ajbmeb-1884	129	42	on	on	ADP
ajbmeb-1884	129	43	the	the	DET
ajbmeb-1884	129	44	paragraph	paragraph	NOUN
ajbmeb-1884	129	45	related	relate	VERB
ajbmeb-1884	129	46	to	to	ADP
ajbmeb-1884	129	47	setting	set	VERB
ajbmeb-1884	129	48	goals	goal	NOUN
ajbmeb-1884	129	49	and	and	CCONJ
ajbmeb-1884	129	50	strategies	strategy	NOUN
ajbmeb-1884	129	51	,	,	PUNCT
ajbmeb-1884	129	52	while	while	SCONJ
ajbmeb-1884	129	53	the	the	DET
ajbmeb-1884	129	54	percentages	percentage	NOUN
ajbmeb-1884	129	55	reached	reach	VERB
ajbmeb-1884	129	56	68	68	NUM
ajbmeb-1884	129	57	%	%	NOUN
ajbmeb-1884	129	58	and	and	CCONJ
ajbmeb-1884	129	59	64	64	NUM
ajbmeb-1884	129	60	%	%	NOUN
ajbmeb-1884	129	61	,	,	PUNCT
ajbmeb-1884	129	62	respectively	respectively	ADV
ajbmeb-1884	129	63	,	,	PUNCT
ajbmeb-1884	129	64	on	on	ADP
ajbmeb-1884	129	65	the	the	DET
ajbmeb-1884	129	66	paragraphs	paragraph	NOUN
ajbmeb-1884	129	67	related	relate	VERB
ajbmeb-1884	129	68	to	to	ADP
ajbmeb-1884	129	69	evaluating	evaluate	VERB
ajbmeb-1884	129	70	the	the	DET
ajbmeb-1884	129	71	efficiency	efficiency	NOUN
ajbmeb-1884	129	72	and	and	CCONJ
ajbmeb-1884	129	73	tools	tool	NOUN
ajbmeb-1884	129	74	of	of	ADP
ajbmeb-1884	129	75	the	the	DET
ajbmeb-1884	129	76	council	council	NOUN
ajbmeb-1884	129	77	and	and	CCONJ
ajbmeb-1884	129	78	focusing	focus	VERB
ajbmeb-1884	129	79	on	on	ADP
ajbmeb-1884	129	80	the	the	DET
ajbmeb-1884	129	81	diversity	diversity	NOUN
ajbmeb-1884	129	82	of	of	ADP
ajbmeb-1884	129	83	practical	practical	ADJ
ajbmeb-1884	129	84	experiences	experience	NOUN
ajbmeb-1884	129	85	.	.	PUNCT
ajbmeb-1884	130	1	the	the	DET
ajbmeb-1884	130	2	academic	academic	ADJ
ajbmeb-1884	130	3	standing	standing	NOUN
ajbmeb-1884	130	4	of	of	ADP
ajbmeb-1884	130	5	the	the	DET
ajbmeb-1884	130	6	council	council	NOUN
ajbmeb-1884	130	7	members	member	NOUN
ajbmeb-1884	130	8	and	and	CCONJ
ajbmeb-1884	130	9	all	all	DET
ajbmeb-1884	130	10	the	the	DET
ajbmeb-1884	130	11	pedigrees	pedigree	NOUN
ajbmeb-1884	130	12	are	be	AUX
ajbmeb-1884	130	13	good	good	ADJ
ajbmeb-1884	130	14	.	.	PUNCT
ajbmeb-1884	131	1	cmonitoring	cmonitore	VERB
ajbmeb-1884	131	2	the	the	DET
ajbmeb-1884	131	3	progress	progress	NOUN
ajbmeb-1884	131	4	of	of	ADP
ajbmeb-1884	131	5	work	work	NOUN
ajbmeb-1884	131	6	(	(	PUNCT
ajbmeb-1884	131	7	table	table	NOUN
ajbmeb-1884	131	8	4	4	NUM
ajbmeb-1884	131	9	)	)	PUNCT
ajbmeb-1884	131	10	1the	1the	PROPN
ajbmeb-1884	131	11	council	council	NOUN
ajbmeb-1884	131	12	supervises	supervise	VERB
ajbmeb-1884	131	13	the	the	DET
ajbmeb-1884	131	14	formation	formation	NOUN
ajbmeb-1884	131	15	of	of	ADP
ajbmeb-1884	131	16	the	the	DET
ajbmeb-1884	131	17	organizational	organizational	ADJ
ajbmeb-1884	131	18	structure	structure	NOUN
ajbmeb-1884	131	19	and	and	CCONJ
ajbmeb-1884	131	20	approves	approve	VERB
ajbmeb-1884	131	21	the	the	DET
ajbmeb-1884	131	22	tasks	task	NOUN
ajbmeb-1884	131	23	,	,	PUNCT
ajbmeb-1884	131	24	powers	power	NOUN
ajbmeb-1884	131	25	,	,	PUNCT
ajbmeb-1884	131	26	duties	duty	NOUN
ajbmeb-1884	131	27	,	,	PUNCT
ajbmeb-1884	131	28	responsibilities	responsibility	NOUN
ajbmeb-1884	131	29	and	and	CCONJ
ajbmeb-1884	131	30	job	job	NOUN
ajbmeb-1884	131	31	descriptions	description	NOUN
ajbmeb-1884	131	32	.	.	PUNCT
ajbmeb-1884	132	1	scale	scale	NOUN
ajbmeb-1884	132	2	degree	degree	NOUN
ajbmeb-1884	132	3	repetition	repetition	NOUN
ajbmeb-1884	132	4	percentage	percentage	NOUN
ajbmeb-1884	132	5	_	_	PUNCT
ajbmeb-1884	133	1	%	%	NOUN
ajbmeb-1884	133	2	1	1	NUM
ajbmeb-1884	133	3	0	0	NUM
ajbmeb-1884	133	4	0	0	NUM
ajbmeb-1884	133	5	2	2	NUM
ajbmeb-1884	133	6	0	0	NUM
ajbmeb-1884	133	7	0	0	NUM
ajbmeb-1884	133	8	3	3	NUM
ajbmeb-1884	133	9	2	2	NUM
ajbmeb-1884	133	10	8	8	NUM
ajbmeb-1884	133	11	4	4	NUM
ajbmeb-1884	133	12	9	9	NUM
ajbmeb-1884	133	13	36	36	NUM
ajbmeb-1884	133	14	5	5	NUM
ajbmeb-1884	133	15	14	14	NUM
ajbmeb-1884	133	16	56	56	NUM
ajbmeb-1884	133	17	american	american	ADJ
ajbmeb-1884	133	18	journal	journal	PROPN
ajbmeb-1884	133	19	of	of	ADP
ajbmeb-1884	133	20	business	business	NOUN
ajbmeb-1884	133	21	management	management	NOUN
ajbmeb-1884	133	22	,	,	PUNCT
ajbmeb-1884	133	23	economics	economic	NOUN
ajbmeb-1884	133	24	and	and	CCONJ
ajbmeb-1884	133	25	banking	banking	NOUN
ajbmeb-1884	133	26	volume	volume	NOUN
ajbmeb-1884	133	27	21	21	NUM
ajbmeb-1884	133	28	february	february	PROPN
ajbmeb-1884	133	29	,	,	PUNCT
ajbmeb-1884	133	30	2024	2024	NUM
ajbmeb-1884	133	31	p	p	NOUN
ajbmeb-1884	133	32	a	a	DET
ajbmeb-1884	133	33	g	g	NOUN
ajbmeb-1884	133	34	e	e	NOUN
ajbmeb-1884	133	35	|	|	NOUN
ajbmeb-1884	133	36	88	88	NUM
ajbmeb-1884	133	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	133	38	2	2	NUM
ajbmeb-1884	133	39	proposal	proposal	NOUN
ajbmeb-1884	133	40	related	relate	VERB
ajbmeb-1884	133	41	to	to	ADP
ajbmeb-1884	133	42	restructuring	restructuring	NOUN
ajbmeb-1884	133	43	or	or	CCONJ
ajbmeb-1884	133	44	reorganization	reorganization	NOUN
ajbmeb-1884	133	45	is	be	AUX
ajbmeb-1884	133	46	carefully	carefully	ADV
ajbmeb-1884	133	47	studied	study	VERB
ajbmeb-1884	133	48	by	by	ADP
ajbmeb-1884	133	49	the	the	DET
ajbmeb-1884	133	50	boardany	boardany	NOUN
ajbmeb-1884	133	51	of	of	ADP
ajbmeb-1884	133	52	directors	director	NOUN
ajbmeb-1884	133	53	scale	scale	NOUN
ajbmeb-1884	133	54	degree	degree	NOUN
ajbmeb-1884	133	55	repetition	repetition	NOUN
ajbmeb-1884	133	56	percentage	percentage	NOUN
ajbmeb-1884	133	57	_	_	PUNCT
ajbmeb-1884	134	1	%	%	NOUN
ajbmeb-1884	134	2	1	1	NUM
ajbmeb-1884	134	3	1	1	NUM
ajbmeb-1884	134	4	4	4	NUM
ajbmeb-1884	134	5	2	2	NUM
ajbmeb-1884	134	6	1	1	NUM
ajbmeb-1884	134	7	4	4	NUM
ajbmeb-1884	134	8	3	3	NUM
ajbmeb-1884	134	9	4	4	NUM
ajbmeb-1884	134	10	16	16	NUM
ajbmeb-1884	134	11	4	4	NUM
ajbmeb-1884	134	12	8	8	NUM
ajbmeb-1884	134	13	32	32	NUM
ajbmeb-1884	134	14	5	5	NUM
ajbmeb-1884	134	15	11	11	NUM
ajbmeb-1884	134	16	44	44	NUM
ajbmeb-1884	134	17	3shareholders	3shareholders	NUM
ajbmeb-1884	134	18	,	,	PUNCT
ajbmeb-1884	134	19	depositors	depositor	NOUN
ajbmeb-1884	134	20	and	and	CCONJ
ajbmeb-1884	134	21	borrowersthe	borrowersthe	DET
ajbmeb-1884	134	22	bank	bank	NOUN
ajbmeb-1884	134	23	is	be	AUX
ajbmeb-1884	134	24	committed	commit	VERB
ajbmeb-1884	134	25	to	to	ADP
ajbmeb-1884	134	26	fair	fair	ADJ
ajbmeb-1884	134	27	treatment	treatment	NOUN
ajbmeb-1884	134	28	with	with	ADP
ajbmeb-1884	134	29	all	all	DET
ajbmeb-1884	134	30	alike	alike	ADJ
ajbmeb-1884	134	31	scale	scale	NOUN
ajbmeb-1884	134	32	degree	degree	NOUN
ajbmeb-1884	134	33	repetition	repetition	NOUN
ajbmeb-1884	134	34	percentage	percentage	NOUN
ajbmeb-1884	134	35	_	_	PUNCT
ajbmeb-1884	135	1	%	%	NOUN
ajbmeb-1884	135	2	1	1	NUM
ajbmeb-1884	135	3	1	1	NUM
ajbmeb-1884	135	4	4	4	NUM
ajbmeb-1884	135	5	2	2	NUM
ajbmeb-1884	135	6	2	2	NUM
ajbmeb-1884	135	7	8	8	NUM
ajbmeb-1884	135	8	3	3	NUM
ajbmeb-1884	135	9	4	4	NUM
ajbmeb-1884	135	10	16	16	NUM
ajbmeb-1884	135	11	4	4	NUM
ajbmeb-1884	135	12	10	10	NUM
ajbmeb-1884	135	13	40	40	NUM
ajbmeb-1884	135	14	5	5	NUM
ajbmeb-1884	135	15	8	8	NUM
ajbmeb-1884	135	16	32	32	NUM
ajbmeb-1884	135	17	the	the	DET
ajbmeb-1884	135	18	table	table	NOUN
ajbmeb-1884	135	19	above	above	ADV
ajbmeb-1884	135	20	shows	show	VERB
ajbmeb-1884	135	21	that	that	SCONJ
ajbmeb-1884	135	22	the	the	DET
ajbmeb-1884	135	23	research	research	NOUN
ajbmeb-1884	135	24	sample	sample	NOUN
ajbmeb-1884	135	25	had	have	VERB
ajbmeb-1884	135	26	a	a	DET
ajbmeb-1884	135	27	good	good	ADJ
ajbmeb-1884	135	28	impression	impression	NOUN
ajbmeb-1884	135	29	of	of	ADP
ajbmeb-1884	135	30	the	the	DET
ajbmeb-1884	135	31	workflow	workflow	NOUN
ajbmeb-1884	135	32	monitoring	monitoring	NOUN
ajbmeb-1884	135	33	variable	variable	NOUN
ajbmeb-1884	135	34	,	,	PUNCT
ajbmeb-1884	135	35	as	as	SCONJ
ajbmeb-1884	135	36	92	92	NUM
ajbmeb-1884	135	37	%	%	NOUN
ajbmeb-1884	135	38	represented	represent	VERB
ajbmeb-1884	135	39	a	a	DET
ajbmeb-1884	135	40	good	good	ADJ
ajbmeb-1884	135	41	impression	impression	NOUN
ajbmeb-1884	135	42	on	on	ADP
ajbmeb-1884	135	43	the	the	DET
ajbmeb-1884	135	44	paragraph	paragraph	NOUN
ajbmeb-1884	135	45	related	relate	VERB
ajbmeb-1884	135	46	to	to	ADP
ajbmeb-1884	135	47	the	the	DET
ajbmeb-1884	135	48	board	board	NOUN
ajbmeb-1884	135	49	of	of	ADP
ajbmeb-1884	135	50	directors	director	NOUN
ajbmeb-1884	135	51	’	'	PUNCT
ajbmeb-1884	135	52	supervision	supervision	NOUN
ajbmeb-1884	135	53	of	of	ADP
ajbmeb-1884	135	54	the	the	DET
ajbmeb-1884	135	55	workflow	workflow	NOUN
ajbmeb-1884	135	56	,	,	PUNCT
ajbmeb-1884	135	57	while	while	SCONJ
ajbmeb-1884	135	58	the	the	DET
ajbmeb-1884	135	59	percentages	percentage	NOUN
ajbmeb-1884	135	60	reached	reach	VERB
ajbmeb-1884	135	61	76	76	NUM
ajbmeb-1884	135	62	%	%	NOUN
ajbmeb-1884	135	63	and	and	CCONJ
ajbmeb-1884	135	64	72	72	NUM
ajbmeb-1884	135	65	%	%	NOUN
ajbmeb-1884	135	66	,	,	PUNCT
ajbmeb-1884	135	67	respectively	respectively	ADV
ajbmeb-1884	135	68	,	,	PUNCT
ajbmeb-1884	135	69	on	on	ADP
ajbmeb-1884	135	70	the	the	DET
ajbmeb-1884	135	71	paragraphs	paragraph	NOUN
ajbmeb-1884	135	72	related	relate	VERB
ajbmeb-1884	135	73	to	to	ADP
ajbmeb-1884	135	74	restructuring	restructuring	NOUN
ajbmeb-1884	135	75	,	,	PUNCT
ajbmeb-1884	135	76	organization	organization	NOUN
ajbmeb-1884	135	77	,	,	PUNCT
ajbmeb-1884	135	78	and	and	CCONJ
ajbmeb-1884	135	79	treatment	treatment	NOUN
ajbmeb-1884	135	80	.	.	PUNCT
ajbmeb-1884	136	1	fair	fair	ADJ
ajbmeb-1884	136	2	for	for	ADP
ajbmeb-1884	136	3	shareholders	shareholder	NOUN
ajbmeb-1884	136	4	,	,	PUNCT
ajbmeb-1884	136	5	depositors	depositor	NOUN
ajbmeb-1884	136	6	and	and	CCONJ
ajbmeb-1884	136	7	borrowers	borrower	NOUN
ajbmeb-1884	136	8	,	,	PUNCT
ajbmeb-1884	136	9	and	and	CCONJ
ajbmeb-1884	136	10	all	all	DET
ajbmeb-1884	136	11	ratios	ratio	NOUN
ajbmeb-1884	136	12	are	be	AUX
ajbmeb-1884	136	13	good	good	ADJ
ajbmeb-1884	136	14	.	.	PUNCT
ajbmeb-1884	137	1	dcompensation	dcompensation	NOUN
ajbmeb-1884	137	2	(	(	PUNCT
ajbmeb-1884	137	3	table	table	NOUN
ajbmeb-1884	137	4	5	5	NUM
ajbmeb-1884	137	5	)	)	PUNCT
ajbmeb-1884	137	6	1approved	1approved	NUM
ajbmeb-1884	137	7	by	by	ADP
ajbmeb-1884	137	8	the	the	DET
ajbmeb-1884	137	9	board	board	NOUN
ajbmeb-1884	137	10	of	of	ADP
ajbmeb-1884	137	11	directors	director	NOUN
ajbmeb-1884	137	12	andthere	andthere	PRON
ajbmeb-1884	137	13	is	be	VERB
ajbmeb-1884	137	14	a	a	DET
ajbmeb-1884	137	15	compensation	compensation	NOUN
ajbmeb-1884	137	16	and	and	CCONJ
ajbmeb-1884	137	17	rewards	reward	VERB
ajbmeb-1884	137	18	system	system	NOUN
ajbmeb-1884	137	19	known	know	VERB
ajbmeb-1884	137	20	to	to	ADP
ajbmeb-1884	137	21	employees	employee	NOUN
ajbmeb-1884	137	22	.	.	PUNCT
ajbmeb-1884	138	1	scale	scale	NOUN
ajbmeb-1884	138	2	degree	degree	NOUN
ajbmeb-1884	138	3	repetition	repetition	NOUN
ajbmeb-1884	138	4	percentage	percentage	NOUN
ajbmeb-1884	138	5	_	_	PUNCT
ajbmeb-1884	139	1	%	%	NOUN
ajbmeb-1884	140	1	1	1	NUM
ajbmeb-1884	140	2	3	3	NUM
ajbmeb-1884	140	3	12	12	NUM
ajbmeb-1884	140	4	2	2	NUM
ajbmeb-1884	140	5	5	5	NUM
ajbmeb-1884	140	6	20	20	NUM
ajbmeb-1884	140	7	3	3	NUM
ajbmeb-1884	140	8	7	7	NUM
ajbmeb-1884	140	9	28	28	NUM
ajbmeb-1884	140	10	4	4	NUM
ajbmeb-1884	140	11	10	10	NUM
ajbmeb-1884	140	12	40	40	NUM
ajbmeb-1884	140	13	5	5	NUM
ajbmeb-1884	140	14	0	0	NUM
ajbmeb-1884	140	15	0	0	NUM
ajbmeb-1884	141	1	2there	2there	NUM
ajbmeb-1884	141	2	is	be	AUX
ajbmeb-1884	141	3	a	a	DET
ajbmeb-1884	141	4	clear	clear	ADJ
ajbmeb-1884	141	5	wage	wage	NOUN
ajbmeb-1884	141	6	structure	structure	NOUN
ajbmeb-1884	141	7	that	that	PRON
ajbmeb-1884	141	8	is	be	AUX
ajbmeb-1884	141	9	fair	fair	ADJ
ajbmeb-1884	141	10	,	,	PUNCT
ajbmeb-1884	141	11	objective	objective	ADJ
ajbmeb-1884	141	12	and	and	CCONJ
ajbmeb-1884	141	13	friendly	friendly	ADJ
ajbmeb-1884	141	14	scale	scale	NOUN
ajbmeb-1884	141	15	degree	degree	NOUN
ajbmeb-1884	141	16	repetition	repetition	NOUN
ajbmeb-1884	141	17	percentage	percentage	NOUN
ajbmeb-1884	141	18	_	_	PUNCT
ajbmeb-1884	142	1	%	%	NOUN
ajbmeb-1884	142	2	1	1	NUM
ajbmeb-1884	142	3	5	5	NUM
ajbmeb-1884	142	4	20	20	NUM
ajbmeb-1884	142	5	2	2	NUM
ajbmeb-1884	142	6	5	5	NUM
ajbmeb-1884	142	7	20	20	NUM
ajbmeb-1884	142	8	3	3	NUM
ajbmeb-1884	142	9	7	7	NUM
ajbmeb-1884	142	10	28	28	NUM
ajbmeb-1884	142	11	4	4	NUM
ajbmeb-1884	142	12	8	8	NUM
ajbmeb-1884	142	13	32	32	NUM
ajbmeb-1884	142	14	5	5	NUM
ajbmeb-1884	142	15	0	0	NUM
ajbmeb-1884	142	16	0	0	NUM
ajbmeb-1884	142	17	american	american	ADJ
ajbmeb-1884	142	18	journal	journal	PROPN
ajbmeb-1884	142	19	of	of	ADP
ajbmeb-1884	142	20	business	business	NOUN
ajbmeb-1884	142	21	management	management	NOUN
ajbmeb-1884	142	22	,	,	PUNCT
ajbmeb-1884	142	23	economics	economic	NOUN
ajbmeb-1884	142	24	and	and	CCONJ
ajbmeb-1884	142	25	banking	banking	NOUN
ajbmeb-1884	142	26	volume	volume	NOUN
ajbmeb-1884	142	27	21	21	NUM
ajbmeb-1884	142	28	february	february	PROPN
ajbmeb-1884	142	29	,	,	PUNCT
ajbmeb-1884	142	30	2024	2024	NUM
ajbmeb-1884	142	31	p	p	NOUN
ajbmeb-1884	142	32	a	a	DET
ajbmeb-1884	142	33	g	g	NOUN
ajbmeb-1884	142	34	e	e	PROPN
ajbmeb-1884	142	35	|	|	ADV
ajbmeb-1884	142	36	89	89	NUM
ajbmeb-1884	142	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	142	38	3rewards	3rewards	NUM
ajbmeb-1884	142	39	and	and	CCONJ
ajbmeb-1884	142	40	incentives	incentive	NOUN
ajbmeb-1884	142	41	for	for	ADP
ajbmeb-1884	142	42	employees	employee	NOUN
ajbmeb-1884	142	43	are	be	AUX
ajbmeb-1884	142	44	approved	approve	VERB
ajbmeb-1884	142	45	by	by	ADP
ajbmeb-1884	142	46	a	a	DET
ajbmeb-1884	142	47	committee	committee	NOUN
ajbmeb-1884	142	48	with	with	ADP
ajbmeb-1884	142	49	authority	authority	NOUN
ajbmeb-1884	142	50	characterized	characterize	VERB
ajbmeb-1884	142	51	by	by	ADP
ajbmeb-1884	142	52	integrity	integrity	NOUN
ajbmeb-1884	142	53	and	and	CCONJ
ajbmeb-1884	142	54	efficiency	efficiency	NOUN
ajbmeb-1884	142	55	.	.	PUNCT
ajbmeb-1884	143	1	scale	scale	NOUN
ajbmeb-1884	143	2	degree	degree	NOUN
ajbmeb-1884	143	3	repetition	repetition	NOUN
ajbmeb-1884	143	4	percentage	percentage	NOUN
ajbmeb-1884	143	5	_	_	PUNCT
ajbmeb-1884	144	1	%	%	NOUN
ajbmeb-1884	144	2	1	1	NUM
ajbmeb-1884	144	3	5	5	NUM
ajbmeb-1884	144	4	20	20	NUM
ajbmeb-1884	144	5	2	2	NUM
ajbmeb-1884	144	6	3	3	NUM
ajbmeb-1884	144	7	12	12	NUM
ajbmeb-1884	144	8	3	3	NUM
ajbmeb-1884	144	9	4	4	NUM
ajbmeb-1884	144	10	16	16	NUM
ajbmeb-1884	144	11	4	4	NUM
ajbmeb-1884	144	12	13	13	NUM
ajbmeb-1884	144	13	52	52	NUM
ajbmeb-1884	144	14	5	5	NUM
ajbmeb-1884	144	15	0	0	NUM
ajbmeb-1884	144	16	0	0	NUM
ajbmeb-1884	145	1	the	the	DET
ajbmeb-1884	145	2	table	table	NOUN
ajbmeb-1884	145	3	above	above	ADV
ajbmeb-1884	145	4	shows	show	VERB
ajbmeb-1884	145	5	that	that	SCONJ
ajbmeb-1884	145	6	the	the	DET
ajbmeb-1884	145	7	research	research	NOUN
ajbmeb-1884	145	8	sample	sample	NOUN
ajbmeb-1884	145	9	had	have	VERB
ajbmeb-1884	145	10	a	a	DET
ajbmeb-1884	145	11	good	good	ADJ
ajbmeb-1884	145	12	impression	impression	NOUN
ajbmeb-1884	145	13	of	of	ADP
ajbmeb-1884	145	14	the	the	DET
ajbmeb-1884	145	15	compensation	compensation	NOUN
ajbmeb-1884	145	16	variable	variable	NOUN
ajbmeb-1884	145	17	,	,	PUNCT
ajbmeb-1884	145	18	as	as	SCONJ
ajbmeb-1884	145	19	52	52	NUM
ajbmeb-1884	145	20	%	%	NOUN
ajbmeb-1884	145	21	represented	represent	VERB
ajbmeb-1884	145	22	the	the	DET
ajbmeb-1884	145	23	impression	impression	NOUN
ajbmeb-1884	145	24	on	on	ADP
ajbmeb-1884	145	25	the	the	DET
ajbmeb-1884	145	26	paragraph	paragraph	NOUN
ajbmeb-1884	145	27	related	relate	VERB
ajbmeb-1884	145	28	to	to	ADP
ajbmeb-1884	145	29	approving	approve	VERB
ajbmeb-1884	145	30	rewards	reward	NOUN
ajbmeb-1884	145	31	and	and	CCONJ
ajbmeb-1884	145	32	incentives	incentive	NOUN
ajbmeb-1884	145	33	,	,	PUNCT
ajbmeb-1884	145	34	while	while	SCONJ
ajbmeb-1884	145	35	the	the	DET
ajbmeb-1884	145	36	percentages	percentage	NOUN
ajbmeb-1884	145	37	reached	reach	VERB
ajbmeb-1884	145	38	40	40	NUM
ajbmeb-1884	145	39	%	%	NOUN
ajbmeb-1884	145	40	and	and	CCONJ
ajbmeb-1884	145	41	32	32	NUM
ajbmeb-1884	145	42	%	%	NOUN
ajbmeb-1884	145	43	,	,	PUNCT
ajbmeb-1884	145	44	respectively	respectively	ADV
ajbmeb-1884	145	45	,	,	PUNCT
ajbmeb-1884	145	46	on	on	ADP
ajbmeb-1884	145	47	the	the	DET
ajbmeb-1884	145	48	paragraphs	paragraph	NOUN
ajbmeb-1884	145	49	related	relate	VERB
ajbmeb-1884	145	50	to	to	ADP
ajbmeb-1884	145	51	the	the	DET
ajbmeb-1884	145	52	compensation	compensation	NOUN
ajbmeb-1884	145	53	and	and	CCONJ
ajbmeb-1884	145	54	rewards	reward	VERB
ajbmeb-1884	145	55	system	system	NOUN
ajbmeb-1884	145	56	and	and	CCONJ
ajbmeb-1884	145	57	wage	wage	NOUN
ajbmeb-1884	145	58	structuring	structuring	NOUN
ajbmeb-1884	145	59	,	,	PUNCT
ajbmeb-1884	145	60	which	which	PRON
ajbmeb-1884	145	61	are	be	AUX
ajbmeb-1884	145	62	weak	weak	ADJ
ajbmeb-1884	145	63	percentages	percentage	NOUN
ajbmeb-1884	145	64	.	.	PUNCT
ajbmeb-1884	146	1	ecommittees	ecommittee	NOUN
ajbmeb-1884	146	2	(	(	PUNCT
ajbmeb-1884	146	3	table	table	NOUN
ajbmeb-1884	146	4	6	6	NUM
ajbmeb-1884	146	5	)	)	PUNCT
ajbmeb-1884	146	6	1the	1the	PROPN
ajbmeb-1884	146	7	council	council	NOUN
ajbmeb-1884	146	8	forms	form	NOUN
ajbmeb-1884	146	9	committees	committee	NOUN
ajbmeb-1884	146	10	that	that	PRON
ajbmeb-1884	146	11	ensure	ensure	VERB
ajbmeb-1884	146	12	the	the	DET
ajbmeb-1884	146	13	safe	safe	ADJ
ajbmeb-1884	146	14	,	,	PUNCT
ajbmeb-1884	146	15	sound	sound	ADJ
ajbmeb-1884	146	16	and	and	CCONJ
ajbmeb-1884	146	17	effective	effective	ADJ
ajbmeb-1884	146	18	conduct	conduct	NOUN
ajbmeb-1884	146	19	of	of	ADP
ajbmeb-1884	146	20	the	the	DET
ajbmeb-1884	146	21	bank	bank	NOUN
ajbmeb-1884	146	22	’s	’s	PART
ajbmeb-1884	146	23	business	business	NOUN
ajbmeb-1884	146	24	and	and	CCONJ
ajbmeb-1884	146	25	determines	determine	VERB
ajbmeb-1884	146	26	their	their	PRON
ajbmeb-1884	146	27	tasks	task	NOUN
ajbmeb-1884	146	28	and	and	CCONJ
ajbmeb-1884	146	29	terms	term	NOUN
ajbmeb-1884	146	30	of	of	ADP
ajbmeb-1884	146	31	reference	reference	NOUN
ajbmeb-1884	146	32	.	.	PUNCT
ajbmeb-1884	147	1	scale	scale	NOUN
ajbmeb-1884	147	2	degree	degree	NOUN
ajbmeb-1884	147	3	repetition	repetition	NOUN
ajbmeb-1884	147	4	percentage	percentage	NOUN
ajbmeb-1884	147	5	_	_	PUNCT
ajbmeb-1884	148	1	%	%	NOUN
ajbmeb-1884	148	2	1	1	NUM
ajbmeb-1884	148	3	2	2	NUM
ajbmeb-1884	148	4	8	8	NUM
ajbmeb-1884	148	5	2	2	NUM
ajbmeb-1884	148	6	1	1	NUM
ajbmeb-1884	148	7	4	4	NUM
ajbmeb-1884	148	8	3	3	NUM
ajbmeb-1884	148	9	4	4	NUM
ajbmeb-1884	148	10	16	16	NUM
ajbmeb-1884	148	11	4	4	NUM
ajbmeb-1884	148	12	10	10	NUM
ajbmeb-1884	148	13	40	40	NUM
ajbmeb-1884	148	14	5	5	NUM
ajbmeb-1884	148	15	8	8	NUM
ajbmeb-1884	148	16	32	32	NUM
ajbmeb-1884	148	17	2the	2the	PROPN
ajbmeb-1884	148	18	board	board	NOUN
ajbmeb-1884	148	19	of	of	ADP
ajbmeb-1884	148	20	directors	director	NOUN
ajbmeb-1884	148	21	appoints	appoint	VERB
ajbmeb-1884	148	22	a	a	DET
ajbmeb-1884	148	23	risk	risk	NOUN
ajbmeb-1884	148	24	management	management	NOUN
ajbmeb-1884	148	25	committee	committee	NOUN
ajbmeb-1884	148	26	to	to	PART
ajbmeb-1884	148	27	enhance	enhance	VERB
ajbmeb-1884	148	28	its	its	PRON
ajbmeb-1884	148	29	mission	mission	NOUN
ajbmeb-1884	148	30	in	in	ADP
ajbmeb-1884	148	31	managing	manage	VERB
ajbmeb-1884	148	32	strategic	strategic	ADJ
ajbmeb-1884	148	33	risks	risk	NOUN
ajbmeb-1884	148	34	.	.	PUNCT
ajbmeb-1884	149	1	degreescale	degreescale	PROPN
ajbmeb-1884	149	2	repetition	repetition	NOUN
ajbmeb-1884	149	3	percentage	percentage	NOUN
ajbmeb-1884	149	4	_	_	PUNCT
ajbmeb-1884	149	5	%	%	NOUN
ajbmeb-1884	149	6	1	1	NUM
ajbmeb-1884	149	7	1	1	NUM
ajbmeb-1884	149	8	4	4	NUM
ajbmeb-1884	149	9	2	2	NUM
ajbmeb-1884	149	10	1	1	NUM
ajbmeb-1884	149	11	4	4	NUM
ajbmeb-1884	149	12	3	3	NUM
ajbmeb-1884	149	13	4	4	NUM
ajbmeb-1884	149	14	16	16	NUM
ajbmeb-1884	149	15	4	4	NUM
ajbmeb-1884	149	16	10	10	NUM
ajbmeb-1884	149	17	40	40	NUM
ajbmeb-1884	149	18	5	5	NUM
ajbmeb-1884	149	19	9	9	NUM
ajbmeb-1884	149	20	36	36	NUM
ajbmeb-1884	149	21	3the	3the	NUM
ajbmeb-1884	149	22	audit	audit	NOUN
ajbmeb-1884	149	23	committee	committee	NOUN
ajbmeb-1884	149	24	is	be	AUX
ajbmeb-1884	149	25	established	establish	VERB
ajbmeb-1884	149	26	in	in	ADP
ajbmeb-1884	149	27	accordance	accordance	NOUN
ajbmeb-1884	149	28	with	with	ADP
ajbmeb-1884	149	29	the	the	DET
ajbmeb-1884	149	30	requirements	requirement	NOUN
ajbmeb-1884	149	31	of	of	ADP
ajbmeb-1884	149	32	disclosure	disclosure	NOUN
ajbmeb-1884	149	33	and	and	CCONJ
ajbmeb-1884	149	34	transparency	transparency	NOUN
ajbmeb-1884	149	35	and	and	CCONJ
ajbmeb-1884	149	36	the	the	DET
ajbmeb-1884	149	37	instructions	instruction	NOUN
ajbmeb-1884	149	38	of	of	ADP
ajbmeb-1884	149	39	the	the	DET
ajbmeb-1884	149	40	governing	govern	VERB
ajbmeb-1884	149	41	monetary	monetary	ADJ
ajbmeb-1884	149	42	authority	authority	NOUN
ajbmeb-1884	149	43	.	.	PUNCT
ajbmeb-1884	150	1	degreescale	degreescale	PROPN
ajbmeb-1884	150	2	repetition	repetition	NOUN
ajbmeb-1884	150	3	percentage	percentage	NOUN
ajbmeb-1884	150	4	_	_	PUNCT
ajbmeb-1884	150	5	%	%	NOUN
ajbmeb-1884	150	6	1	1	NUM
ajbmeb-1884	150	7	1	1	NUM
ajbmeb-1884	150	8	4	4	NUM
ajbmeb-1884	150	9	2	2	NUM
ajbmeb-1884	150	10	4	4	NUM
ajbmeb-1884	150	11	16	16	NUM
ajbmeb-1884	150	12	3	3	NUM
ajbmeb-1884	150	13	5	5	NUM
ajbmeb-1884	150	14	20	20	NUM
ajbmeb-1884	150	15	4	4	NUM
ajbmeb-1884	150	16	9	9	NUM
ajbmeb-1884	150	17	36	36	NUM
ajbmeb-1884	150	18	5	5	NUM
ajbmeb-1884	150	19	6	6	NUM
ajbmeb-1884	150	20	24	24	NUM
ajbmeb-1884	150	21	american	american	ADJ
ajbmeb-1884	150	22	journal	journal	PROPN
ajbmeb-1884	150	23	of	of	ADP
ajbmeb-1884	150	24	business	business	NOUN
ajbmeb-1884	150	25	management	management	NOUN
ajbmeb-1884	150	26	,	,	PUNCT
ajbmeb-1884	150	27	economics	economic	NOUN
ajbmeb-1884	150	28	and	and	CCONJ
ajbmeb-1884	150	29	banking	banking	NOUN
ajbmeb-1884	150	30	volume	volume	NOUN
ajbmeb-1884	150	31	21	21	NUM
ajbmeb-1884	150	32	february	february	PROPN
ajbmeb-1884	150	33	,	,	PUNCT
ajbmeb-1884	150	34	2024	2024	NUM
ajbmeb-1884	150	35	p	p	NOUN
ajbmeb-1884	150	36	a	a	DET
ajbmeb-1884	150	37	g	g	NOUN
ajbmeb-1884	150	38	e	e	NOUN
ajbmeb-1884	151	1	|	|	ADV
ajbmeb-1884	151	2	90	90	NUM
ajbmeb-1884	151	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	151	4	the	the	DET
ajbmeb-1884	151	5	table	table	NOUN
ajbmeb-1884	151	6	above	above	ADV
ajbmeb-1884	151	7	shows	show	VERB
ajbmeb-1884	151	8	that	that	SCONJ
ajbmeb-1884	151	9	the	the	DET
ajbmeb-1884	151	10	research	research	NOUN
ajbmeb-1884	151	11	sample	sample	NOUN
ajbmeb-1884	151	12	had	have	VERB
ajbmeb-1884	151	13	a	a	DET
ajbmeb-1884	151	14	good	good	ADJ
ajbmeb-1884	151	15	impression	impression	NOUN
ajbmeb-1884	151	16	of	of	ADP
ajbmeb-1884	151	17	the	the	DET
ajbmeb-1884	151	18	committees	committee	NOUN
ajbmeb-1884	151	19	variable	variable	ADJ
ajbmeb-1884	151	20	,	,	PUNCT
ajbmeb-1884	151	21	as	as	SCONJ
ajbmeb-1884	151	22	76	76	NUM
ajbmeb-1884	151	23	%	%	NOUN
ajbmeb-1884	151	24	represented	represent	VERB
ajbmeb-1884	151	25	a	a	DET
ajbmeb-1884	151	26	good	good	ADJ
ajbmeb-1884	151	27	impression	impression	NOUN
ajbmeb-1884	151	28	on	on	ADP
ajbmeb-1884	151	29	the	the	DET
ajbmeb-1884	151	30	paragraph	paragraph	NOUN
ajbmeb-1884	151	31	related	relate	VERB
ajbmeb-1884	151	32	to	to	ADP
ajbmeb-1884	151	33	appointing	appoint	VERB
ajbmeb-1884	151	34	a	a	DET
ajbmeb-1884	151	35	risk	risk	NOUN
ajbmeb-1884	151	36	management	management	NOUN
ajbmeb-1884	151	37	committee	committee	NOUN
ajbmeb-1884	151	38	,	,	PUNCT
ajbmeb-1884	151	39	while	while	SCONJ
ajbmeb-1884	151	40	the	the	DET
ajbmeb-1884	151	41	percentages	percentage	NOUN
ajbmeb-1884	151	42	reached	reach	VERB
ajbmeb-1884	151	43	72	72	NUM
ajbmeb-1884	151	44	%	%	NOUN
ajbmeb-1884	151	45	and	and	CCONJ
ajbmeb-1884	151	46	70	70	NUM
ajbmeb-1884	151	47	%	%	NOUN
ajbmeb-1884	151	48	,	,	PUNCT
ajbmeb-1884	151	49	respectively	respectively	ADV
ajbmeb-1884	151	50	,	,	PUNCT
ajbmeb-1884	151	51	on	on	ADP
ajbmeb-1884	151	52	the	the	DET
ajbmeb-1884	151	53	paragraphs	paragraph	NOUN
ajbmeb-1884	151	54	related	relate	VERB
ajbmeb-1884	151	55	to	to	ADP
ajbmeb-1884	151	56	forming	form	VERB
ajbmeb-1884	151	57	committees	committee	NOUN
ajbmeb-1884	151	58	to	to	PART
ajbmeb-1884	151	59	manage	manage	VERB
ajbmeb-1884	151	60	the	the	DET
ajbmeb-1884	151	61	bank	bank	NOUN
ajbmeb-1884	151	62	’s	’s	PART
ajbmeb-1884	151	63	business	business	NOUN
ajbmeb-1884	151	64	and	and	CCONJ
ajbmeb-1884	151	65	establishing	establish	VERB
ajbmeb-1884	151	66	a	a	DET
ajbmeb-1884	151	67	committee	committee	NOUN
ajbmeb-1884	151	68	.	.	PUNCT
ajbmeb-1884	152	1	the	the	DET
ajbmeb-1884	152	2	review	review	NOUN
ajbmeb-1884	152	3	is	be	AUX
ajbmeb-1884	152	4	in	in	ADP
ajbmeb-1884	152	5	accordance	accordance	NOUN
ajbmeb-1884	152	6	with	with	ADP
ajbmeb-1884	152	7	the	the	DET
ajbmeb-1884	152	8	requirements	requirement	NOUN
ajbmeb-1884	152	9	of	of	ADP
ajbmeb-1884	152	10	disclosure	disclosure	NOUN
ajbmeb-1884	152	11	and	and	CCONJ
ajbmeb-1884	152	12	transparency	transparency	NOUN
ajbmeb-1884	152	13	,	,	PUNCT
ajbmeb-1884	152	14	which	which	PRON
ajbmeb-1884	152	15	are	be	AUX
ajbmeb-1884	152	16	good	good	ADJ
ajbmeb-1884	152	17	rates	rate	NOUN
ajbmeb-1884	152	18	.	.	PUNCT
ajbmeb-1884	153	1	fbasic	fbasic	NOUN
ajbmeb-1884	153	2	functions	function	NOUN
ajbmeb-1884	153	3	)	)	PUNCT
ajbmeb-1884	153	4	table	table	NOUN
ajbmeb-1884	153	5	7	7	NUM
ajbmeb-1884	153	6	(	(	PUNCT
ajbmeb-1884	153	7	1board	1board	NUM
ajbmeb-1884	153	8	of	of	ADP
ajbmeb-1884	153	9	directors	director	NOUN
ajbmeb-1884	153	10	analyzes	analyze	VERB
ajbmeb-1884	153	11	the	the	DET
ajbmeb-1884	153	12	strategic	strategic	ADJ
ajbmeb-1884	153	13	risks	risk	NOUN
ajbmeb-1884	153	14	represented	represent	VERB
ajbmeb-1884	153	15	by	by	ADP
ajbmeb-1884	153	16	markets	market	NOUN
ajbmeb-1884	153	17	,	,	PUNCT
ajbmeb-1884	153	18	products	product	NOUN
ajbmeb-1884	153	19	,	,	PUNCT
ajbmeb-1884	153	20	andthe	andthe	ADJ
ajbmeb-1884	153	21	competitors	competitor	NOUN
ajbmeb-1884	153	22	.	.	PUNCT
ajbmeb-1884	154	1	scale	scale	NOUN
ajbmeb-1884	154	2	degree	degree	NOUN
ajbmeb-1884	154	3	repetition	repetition	NOUN
ajbmeb-1884	154	4	percentage	percentage	NOUN
ajbmeb-1884	154	5	_	_	PUNCT
ajbmeb-1884	155	1	%	%	NOUN
ajbmeb-1884	155	2	1	1	NUM
ajbmeb-1884	155	3	0	0	NUM
ajbmeb-1884	155	4	0	0	NUM
ajbmeb-1884	155	5	2	2	NUM
ajbmeb-1884	155	6	1	1	NUM
ajbmeb-1884	155	7	4	4	NUM
ajbmeb-1884	155	8	3	3	NUM
ajbmeb-1884	155	9	3	3	NUM
ajbmeb-1884	155	10	14	14	NUM
ajbmeb-1884	155	11	4	4	NUM
ajbmeb-1884	155	12	8	8	NUM
ajbmeb-1884	155	13	32	32	NUM
ajbmeb-1884	155	14	5	5	NUM
ajbmeb-1884	155	15	13	13	NUM
ajbmeb-1884	155	16	52	52	NUM
ajbmeb-1884	155	17	2monetary	2monetary	NUM
ajbmeb-1884	155	18	authority	authority	NOUN
ajbmeb-1884	155	19	regardingthe	regardingthe	DET
ajbmeb-1884	155	20	bank	bank	NOUN
ajbmeb-1884	155	21	is	be	AUX
ajbmeb-1884	155	22	committed	commit	VERB
ajbmeb-1884	155	23	to	to	ADP
ajbmeb-1884	155	24	the	the	DET
ajbmeb-1884	155	25	approved	approve	VERB
ajbmeb-1884	155	26	decisions	decision	NOUN
ajbmeb-1884	155	27	of	of	ADP
ajbmeb-1884	155	28	the	the	DET
ajbmeb-1884	155	29	risk	risk	NOUN
ajbmeb-1884	155	30	management	management	NOUN
ajbmeb-1884	155	31	.	.	PUNCT
ajbmeb-1884	156	1	scale	scale	NOUN
ajbmeb-1884	156	2	degree	degree	NOUN
ajbmeb-1884	156	3	repetition	repetition	NOUN
ajbmeb-1884	156	4	percentage	percentage	NOUN
ajbmeb-1884	156	5	_	_	PUNCT
ajbmeb-1884	157	1	%	%	NOUN
ajbmeb-1884	157	2	1	1	NUM
ajbmeb-1884	157	3	1	1	NUM
ajbmeb-1884	157	4	4	4	NUM
ajbmeb-1884	157	5	2	2	NUM
ajbmeb-1884	157	6	1	1	NUM
ajbmeb-1884	157	7	4	4	NUM
ajbmeb-1884	157	8	3	3	NUM
ajbmeb-1884	157	9	5	5	NUM
ajbmeb-1884	157	10	20	20	NUM
ajbmeb-1884	157	11	4	4	NUM
ajbmeb-1884	157	12	6	6	NUM
ajbmeb-1884	157	13	24	24	NUM
ajbmeb-1884	157	14	5	5	NUM
ajbmeb-1884	157	15	12	12	NUM
ajbmeb-1884	157	16	48	48	NUM
ajbmeb-1884	157	17	3the	3the	DET
ajbmeb-1884	157	18	bank	bank	NOUN
ajbmeb-1884	157	19	takes	take	VERB
ajbmeb-1884	157	20	adequate	adequate	ADJ
ajbmeb-1884	157	21	measures	measure	NOUN
ajbmeb-1884	157	22	to	to	PART
ajbmeb-1884	157	23	protect	protect	VERB
ajbmeb-1884	157	24	the	the	DET
ajbmeb-1884	157	25	rights	right	NOUN
ajbmeb-1884	157	26	of	of	ADP
ajbmeb-1884	157	27	shareholders	shareholder	NOUN
ajbmeb-1884	157	28	,	,	PUNCT
ajbmeb-1884	157	29	depositors	depositor	NOUN
ajbmeb-1884	157	30	and	and	CCONJ
ajbmeb-1884	157	31	borrowers	borrower	NOUN
ajbmeb-1884	157	32	.	.	PUNCT
ajbmeb-1884	158	1	scale	scale	NOUN
ajbmeb-1884	158	2	degree	degree	NOUN
ajbmeb-1884	158	3	repetition	repetition	NOUN
ajbmeb-1884	158	4	percentage	percentage	NOUN
ajbmeb-1884	158	5	_	_	PUNCT
ajbmeb-1884	159	1	%	%	NOUN
ajbmeb-1884	159	2	1	1	NUM
ajbmeb-1884	159	3	0	0	NUM
ajbmeb-1884	159	4	0	0	NUM
ajbmeb-1884	159	5	2	2	NUM
ajbmeb-1884	159	6	0	0	NUM
ajbmeb-1884	159	7	0	0	NUM
ajbmeb-1884	159	8	3	3	NUM
ajbmeb-1884	159	9	3	3	NUM
ajbmeb-1884	159	10	12	12	NUM
ajbmeb-1884	159	11	4	4	NUM
ajbmeb-1884	159	12	10	10	NUM
ajbmeb-1884	159	13	40	40	NUM
ajbmeb-1884	159	14	5	5	NUM
ajbmeb-1884	159	15	12	12	NUM
ajbmeb-1884	159	16	48	48	NUM
ajbmeb-1884	159	17	the	the	DET
ajbmeb-1884	159	18	table	table	NOUN
ajbmeb-1884	159	19	above	above	ADV
ajbmeb-1884	159	20	shows	show	VERB
ajbmeb-1884	159	21	that	that	SCONJ
ajbmeb-1884	159	22	the	the	DET
ajbmeb-1884	159	23	research	research	NOUN
ajbmeb-1884	159	24	sample	sample	NOUN
ajbmeb-1884	159	25	had	have	VERB
ajbmeb-1884	159	26	a	a	DET
ajbmeb-1884	159	27	good	good	ADJ
ajbmeb-1884	159	28	impression	impression	NOUN
ajbmeb-1884	159	29	of	of	ADP
ajbmeb-1884	159	30	the	the	DET
ajbmeb-1884	159	31	basic	basic	ADJ
ajbmeb-1884	159	32	functions	function	NOUN
ajbmeb-1884	159	33	variable	variable	NOUN
ajbmeb-1884	159	34	,	,	PUNCT
ajbmeb-1884	159	35	as	as	SCONJ
ajbmeb-1884	159	36	88	88	NUM
ajbmeb-1884	159	37	%	%	NOUN
ajbmeb-1884	159	38	represented	represent	VERB
ajbmeb-1884	159	39	a	a	DET
ajbmeb-1884	159	40	good	good	ADJ
ajbmeb-1884	159	41	impression	impression	NOUN
ajbmeb-1884	159	42	on	on	ADP
ajbmeb-1884	159	43	the	the	DET
ajbmeb-1884	159	44	paragraph	paragraph	NOUN
ajbmeb-1884	159	45	related	relate	VERB
ajbmeb-1884	159	46	to	to	ADP
ajbmeb-1884	159	47	protecting	protect	VERB
ajbmeb-1884	159	48	the	the	DET
ajbmeb-1884	159	49	rights	right	NOUN
ajbmeb-1884	159	50	of	of	ADP
ajbmeb-1884	159	51	shareholders	shareholder	NOUN
ajbmeb-1884	159	52	,	,	PUNCT
ajbmeb-1884	159	53	depositors	depositor	NOUN
ajbmeb-1884	159	54	,	,	PUNCT
ajbmeb-1884	159	55	and	and	CCONJ
ajbmeb-1884	159	56	borrowers	borrower	NOUN
ajbmeb-1884	159	57	,	,	PUNCT
ajbmeb-1884	159	58	while	while	SCONJ
ajbmeb-1884	159	59	the	the	DET
ajbmeb-1884	159	60	percentages	percentage	NOUN
ajbmeb-1884	159	61	reached	reach	VERB
ajbmeb-1884	159	62	84	84	NUM
ajbmeb-1884	159	63	%	%	NOUN
ajbmeb-1884	159	64	and	and	CCONJ
ajbmeb-1884	159	65	72	72	NUM
ajbmeb-1884	159	66	%	%	NOUN
ajbmeb-1884	159	67	,	,	PUNCT
ajbmeb-1884	159	68	respectively	respectively	ADV
ajbmeb-1884	159	69	,	,	PUNCT
ajbmeb-1884	159	70	on	on	ADP
ajbmeb-1884	159	71	the	the	DET
ajbmeb-1884	159	72	paragraphs	paragraph	NOUN
ajbmeb-1884	159	73	related	relate	VERB
ajbmeb-1884	159	74	to	to	ADP
ajbmeb-1884	159	75	analyzing	analyze	VERB
ajbmeb-1884	159	76	strategic	strategic	ADJ
ajbmeb-1884	159	77	risks	risk	NOUN
ajbmeb-1884	159	78	and	and	CCONJ
ajbmeb-1884	159	79	adhering	adhere	VERB
ajbmeb-1884	159	80	to	to	ADP
ajbmeb-1884	159	81	the	the	DET
ajbmeb-1884	159	82	approved	approve	VERB
ajbmeb-1884	159	83	monetary	monetary	ADJ
ajbmeb-1884	159	84	authority	authority	NOUN
ajbmeb-1884	159	85	.	.	PUNCT
ajbmeb-1884	160	1	regarding	regard	VERB
ajbmeb-1884	160	2	risk	risk	NOUN
ajbmeb-1884	160	3	management	management	NOUN
ajbmeb-1884	160	4	,	,	PUNCT
ajbmeb-1884	160	5	these	these	PRON
ajbmeb-1884	160	6	are	be	AUX
ajbmeb-1884	160	7	good	good	ADJ
ajbmeb-1884	160	8	ratios	ratio	NOUN
ajbmeb-1884	160	9	.	.	PUNCT
ajbmeb-1884	161	1	american	american	ADJ
ajbmeb-1884	161	2	journal	journal	PROPN
ajbmeb-1884	161	3	of	of	ADP
ajbmeb-1884	161	4	business	business	NOUN
ajbmeb-1884	161	5	management	management	NOUN
ajbmeb-1884	161	6	,	,	PUNCT
ajbmeb-1884	161	7	economics	economic	NOUN
ajbmeb-1884	161	8	and	and	CCONJ
ajbmeb-1884	161	9	banking	banking	NOUN
ajbmeb-1884	161	10	volume	volume	NOUN
ajbmeb-1884	161	11	21	21	NUM
ajbmeb-1884	161	12	february	february	PROPN
ajbmeb-1884	161	13	,	,	PUNCT
ajbmeb-1884	161	14	2024	2024	NUM
ajbmeb-1884	161	15	p	p	NOUN
ajbmeb-1884	161	16	a	a	PRON
ajbmeb-1884	161	17	g	g	NOUN
ajbmeb-1884	161	18	e	e	NOUN
ajbmeb-1884	161	19	|	|	ADV
ajbmeb-1884	161	20	91	91	NUM
ajbmeb-1884	161	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	161	22	gfinancial	gfinancial	ADJ
ajbmeb-1884	161	23	crisis	crisis	NOUN
ajbmeb-1884	161	24	(	(	PUNCT
ajbmeb-1884	161	25	table	table	NOUN
ajbmeb-1884	161	26	8)	8)	NUM
ajbmeb-1884	161	27	1the	1the	PROPN
ajbmeb-1884	161	28	bank	bank	NOUN
ajbmeb-1884	161	29	is	be	AUX
ajbmeb-1884	161	30	affected	affect	VERB
ajbmeb-1884	161	31	by	by	ADP
ajbmeb-1884	161	32	the	the	DET
ajbmeb-1884	161	33	financial	financial	ADJ
ajbmeb-1884	161	34	crisis	crisis	NOUN
ajbmeb-1884	161	35	as	as	SCONJ
ajbmeb-1884	161	36	it	it	PRON
ajbmeb-1884	161	37	is	be	AUX
ajbmeb-1884	161	38	part	part	NOUN
ajbmeb-1884	161	39	of	of	ADP
ajbmeb-1884	161	40	the	the	DET
ajbmeb-1884	161	41	global	global	ADJ
ajbmeb-1884	161	42	banking	banking	NOUN
ajbmeb-1884	161	43	system	system	NOUN
ajbmeb-1884	161	44	scale	scale	NOUN
ajbmeb-1884	161	45	degree	degree	NOUN
ajbmeb-1884	161	46	repetition	repetition	NOUN
ajbmeb-1884	161	47	percentage	percentage	NOUN
ajbmeb-1884	161	48	_	_	PUNCT
ajbmeb-1884	162	1	%	%	NOUN
ajbmeb-1884	162	2	1	1	NUM
ajbmeb-1884	162	3	0	0	NUM
ajbmeb-1884	162	4	0	0	NUM
ajbmeb-1884	162	5	2	2	NUM
ajbmeb-1884	162	6	0	0	NUM
ajbmeb-1884	162	7	0	0	NUM
ajbmeb-1884	162	8	3	3	NUM
ajbmeb-1884	162	9	2	2	NUM
ajbmeb-1884	162	10	8	8	NUM
ajbmeb-1884	162	11	4	4	NUM
ajbmeb-1884	162	12	10	10	NUM
ajbmeb-1884	162	13	40	40	NUM
ajbmeb-1884	162	14	5	5	NUM
ajbmeb-1884	162	15	13	13	NUM
ajbmeb-1884	162	16	52	52	NUM
ajbmeb-1884	162	17	2the	2the	DET
ajbmeb-1884	162	18	financial	financial	ADJ
ajbmeb-1884	162	19	crisis	crisis	NOUN
ajbmeb-1884	162	20	affects	affect	VERB
ajbmeb-1884	162	21	the	the	DET
ajbmeb-1884	162	22	investment	investment	NOUN
ajbmeb-1884	162	23	policy	policy	NOUN
ajbmeb-1884	162	24	followed	follow	VERB
ajbmeb-1884	162	25	by	by	ADP
ajbmeb-1884	162	26	the	the	DET
ajbmeb-1884	162	27	bank	bank	NOUN
ajbmeb-1884	162	28	.	.	PUNCT
ajbmeb-1884	163	1	scale	scale	NOUN
ajbmeb-1884	163	2	degree	degree	NOUN
ajbmeb-1884	163	3	repetition	repetition	NOUN
ajbmeb-1884	163	4	percentage	percentage	NOUN
ajbmeb-1884	163	5	_	_	PUNCT
ajbmeb-1884	164	1	%	%	NOUN
ajbmeb-1884	164	2	1	1	NUM
ajbmeb-1884	164	3	2	2	NUM
ajbmeb-1884	164	4	8	8	NUM
ajbmeb-1884	164	5	2	2	NUM
ajbmeb-1884	164	6	2	2	NUM
ajbmeb-1884	164	7	8	8	NUM
ajbmeb-1884	164	8	3	3	NUM
ajbmeb-1884	164	9	5	5	NUM
ajbmeb-1884	164	10	20	20	NUM
ajbmeb-1884	164	11	4	4	NUM
ajbmeb-1884	164	12	10	10	NUM
ajbmeb-1884	164	13	40	40	NUM
ajbmeb-1884	164	14	5	5	NUM
ajbmeb-1884	164	15	6	6	NUM
ajbmeb-1884	164	16	24	24	NUM
ajbmeb-1884	164	17	3necessary	3necessary	NUM
ajbmeb-1884	164	18	measures	measure	NOUN
ajbmeb-1884	164	19	to	to	PART
ajbmeb-1884	164	20	confront	confront	VERB
ajbmeb-1884	164	21	or	or	CCONJ
ajbmeb-1884	164	22	limit	limit	VERB
ajbmeb-1884	164	23	the	the	DET
ajbmeb-1884	164	24	effects	effect	NOUN
ajbmeb-1884	164	25	that	that	PRON
ajbmeb-1884	164	26	arise	arise	VERB
ajbmeb-1884	164	27	fromthe	fromthe	PROPN
ajbmeb-1884	164	28	bank	bank	NOUN
ajbmeb-1884	164	29	takes	take	VERB
ajbmeb-1884	164	30	financial	financial	ADJ
ajbmeb-1884	164	31	and	and	CCONJ
ajbmeb-1884	164	32	economic	economic	ADJ
ajbmeb-1884	164	33	crises	crisis	NOUN
ajbmeb-1884	164	34	.	.	PUNCT
ajbmeb-1884	165	1	scale	scale	NOUN
ajbmeb-1884	165	2	degree	degree	NOUN
ajbmeb-1884	165	3	repetition	repetition	NOUN
ajbmeb-1884	165	4	percentage	percentage	NOUN
ajbmeb-1884	165	5	_	_	PUNCT
ajbmeb-1884	166	1	%	%	NOUN
ajbmeb-1884	166	2	1	1	NUM
ajbmeb-1884	166	3	1	1	NUM
ajbmeb-1884	166	4	4	4	NUM
ajbmeb-1884	166	5	2	2	NUM
ajbmeb-1884	166	6	1	1	NUM
ajbmeb-1884	166	7	4	4	NUM
ajbmeb-1884	166	8	3	3	NUM
ajbmeb-1884	166	9	4	4	NUM
ajbmeb-1884	166	10	16	16	NUM
ajbmeb-1884	166	11	4	4	NUM
ajbmeb-1884	166	12	8	8	NUM
ajbmeb-1884	166	13	32	32	NUM
ajbmeb-1884	166	14	5	5	NUM
ajbmeb-1884	166	15	11	11	NUM
ajbmeb-1884	166	16	44	44	NUM
ajbmeb-1884	166	17	the	the	DET
ajbmeb-1884	166	18	table	table	NOUN
ajbmeb-1884	166	19	above	above	ADV
ajbmeb-1884	166	20	shows	show	VERB
ajbmeb-1884	166	21	that	that	SCONJ
ajbmeb-1884	166	22	the	the	DET
ajbmeb-1884	166	23	research	research	NOUN
ajbmeb-1884	166	24	sample	sample	NOUN
ajbmeb-1884	166	25	had	have	VERB
ajbmeb-1884	166	26	a	a	DET
ajbmeb-1884	166	27	good	good	ADJ
ajbmeb-1884	166	28	impression	impression	NOUN
ajbmeb-1884	166	29	of	of	ADP
ajbmeb-1884	166	30	the	the	DET
ajbmeb-1884	166	31	financial	financial	ADJ
ajbmeb-1884	166	32	crisis	crisis	NOUN
ajbmeb-1884	166	33	variable	variable	NOUN
ajbmeb-1884	166	34	,	,	PUNCT
ajbmeb-1884	166	35	as	as	SCONJ
ajbmeb-1884	166	36	92	92	NUM
ajbmeb-1884	166	37	%	%	NOUN
ajbmeb-1884	166	38	represented	represent	VERB
ajbmeb-1884	166	39	a	a	DET
ajbmeb-1884	166	40	good	good	ADJ
ajbmeb-1884	166	41	impression	impression	NOUN
ajbmeb-1884	166	42	on	on	ADP
ajbmeb-1884	166	43	the	the	DET
ajbmeb-1884	166	44	paragraph	paragraph	NOUN
ajbmeb-1884	166	45	related	relate	VERB
ajbmeb-1884	166	46	to	to	ADP
ajbmeb-1884	166	47	the	the	DET
ajbmeb-1884	166	48	bank	bank	NOUN
ajbmeb-1884	166	49	being	be	AUX
ajbmeb-1884	166	50	affected	affect	VERB
ajbmeb-1884	166	51	by	by	ADP
ajbmeb-1884	166	52	the	the	DET
ajbmeb-1884	166	53	financial	financial	ADJ
ajbmeb-1884	166	54	crisis	crisis	NOUN
ajbmeb-1884	166	55	,	,	PUNCT
ajbmeb-1884	166	56	while	while	SCONJ
ajbmeb-1884	166	57	the	the	DET
ajbmeb-1884	166	58	percentages	percentage	NOUN
ajbmeb-1884	166	59	reached	reach	VERB
ajbmeb-1884	166	60	76	76	NUM
ajbmeb-1884	166	61	%	%	NOUN
ajbmeb-1884	166	62	and	and	CCONJ
ajbmeb-1884	166	63	64	64	NUM
ajbmeb-1884	166	64	%	%	NOUN
ajbmeb-1884	166	65	,	,	PUNCT
ajbmeb-1884	166	66	respectively	respectively	ADV
ajbmeb-1884	166	67	,	,	PUNCT
ajbmeb-1884	166	68	on	on	ADP
ajbmeb-1884	166	69	the	the	DET
ajbmeb-1884	166	70	paragraphs	paragraph	NOUN
ajbmeb-1884	166	71	related	relate	VERB
ajbmeb-1884	166	72	to	to	ADP
ajbmeb-1884	166	73	taking	take	VERB
ajbmeb-1884	166	74	necessary	necessary	ADJ
ajbmeb-1884	166	75	measures	measure	NOUN
ajbmeb-1884	166	76	to	to	PART
ajbmeb-1884	166	77	confront	confront	VERB
ajbmeb-1884	166	78	crises	crisis	NOUN
ajbmeb-1884	166	79	and	and	CCONJ
ajbmeb-1884	166	80	the	the	DET
ajbmeb-1884	166	81	impact	impact	NOUN
ajbmeb-1884	166	82	of	of	ADP
ajbmeb-1884	166	83	the	the	DET
ajbmeb-1884	166	84	crisis	crisis	NOUN
ajbmeb-1884	166	85	.	.	PUNCT
ajbmeb-1884	167	1	the	the	DET
ajbmeb-1884	167	2	financial	financial	ADJ
ajbmeb-1884	167	3	ratios	ratio	NOUN
ajbmeb-1884	167	4	are	be	AUX
ajbmeb-1884	167	5	based	base	VERB
ajbmeb-1884	167	6	on	on	ADP
ajbmeb-1884	167	7	the	the	DET
ajbmeb-1884	167	8	investment	investment	NOUN
ajbmeb-1884	167	9	policy	policy	NOUN
ajbmeb-1884	167	10	followed	follow	VERB
ajbmeb-1884	167	11	by	by	ADP
ajbmeb-1884	167	12	the	the	DET
ajbmeb-1884	167	13	bank	bank	NOUN
ajbmeb-1884	167	14	,	,	PUNCT
ajbmeb-1884	167	15	which	which	PRON
ajbmeb-1884	167	16	are	be	AUX
ajbmeb-1884	167	17	good	good	ADJ
ajbmeb-1884	167	18	.	.	PUNCT
ajbmeb-1884	168	1	accordingly	accordingly	ADV
ajbmeb-1884	168	2	,	,	PUNCT
ajbmeb-1884	168	3	the	the	DET
ajbmeb-1884	168	4	first	first	ADJ
ajbmeb-1884	168	5	main	main	ADJ
ajbmeb-1884	168	6	hypothesis	hypothesis	NOUN
ajbmeb-1884	168	7	was	be	AUX
ajbmeb-1884	168	8	accepted	accept	VERB
ajbmeb-1884	168	9	,	,	PUNCT
ajbmeb-1884	168	10	which	which	PRON
ajbmeb-1884	168	11	states	state	VERB
ajbmeb-1884	168	12	,	,	PUNCT
ajbmeb-1884	168	13	“	"	PUNCT
ajbmeb-1884	168	14	there	there	PRON
ajbmeb-1884	168	15	is	be	VERB
ajbmeb-1884	168	16	a	a	DET
ajbmeb-1884	168	17	good	good	ADJ
ajbmeb-1884	168	18	impression	impression	NOUN
ajbmeb-1884	168	19	among	among	ADP
ajbmeb-1884	168	20	the	the	DET
ajbmeb-1884	168	21	research	research	NOUN
ajbmeb-1884	168	22	sample	sample	NOUN
ajbmeb-1884	168	23	about	about	ADP
ajbmeb-1884	168	24	the	the	DET
ajbmeb-1884	168	25	importance	importance	NOUN
ajbmeb-1884	168	26	of	of	ADP
ajbmeb-1884	168	27	the	the	DET
ajbmeb-1884	168	28	relationship	relationship	NOUN
ajbmeb-1884	168	29	between	between	ADP
ajbmeb-1884	168	30	governance	governance	NOUN
ajbmeb-1884	168	31	standards	standard	NOUN
ajbmeb-1884	168	32	represented	represent	VERB
ajbmeb-1884	168	33	by	by	ADP
ajbmeb-1884	168	34	(	(	PUNCT
ajbmeb-1884	168	35	secretariat	secretariat	PROPN
ajbmeb-1884	168	36	,	,	PUNCT
ajbmeb-1884	168	37	public	public	ADJ
ajbmeb-1884	168	38	policy	policy	NOUN
ajbmeb-1884	168	39	,	,	PUNCT
ajbmeb-1884	168	40	monitoring	monitor	VERB
ajbmeb-1884	168	41	the	the	DET
ajbmeb-1884	168	42	progress	progress	NOUN
ajbmeb-1884	168	43	of	of	ADP
ajbmeb-1884	168	44	work	work	NOUN
ajbmeb-1884	168	45	in	in	ADP
ajbmeb-1884	168	46	the	the	DET
ajbmeb-1884	168	47	bank	bank	NOUN
ajbmeb-1884	168	48	,	,	PUNCT
ajbmeb-1884	168	49	compensation	compensation	NOUN
ajbmeb-1884	168	50	,	,	PUNCT
ajbmeb-1884	168	51	committees	committee	NOUN
ajbmeb-1884	168	52	,	,	PUNCT
ajbmeb-1884	168	53	and	and	CCONJ
ajbmeb-1884	168	54	basic	basic	ADJ
ajbmeb-1884	168	55	functions	function	NOUN
ajbmeb-1884	168	56	of	of	ADP
ajbmeb-1884	168	57	the	the	DET
ajbmeb-1884	168	58	board	board	NOUN
ajbmeb-1884	168	59	)	)	PUNCT
ajbmeb-1884	168	60	and	and	CCONJ
ajbmeb-1884	168	61	the	the	DET
ajbmeb-1884	168	62	financial	financial	ADJ
ajbmeb-1884	168	63	crisis	crisis	NOUN
ajbmeb-1884	168	64	”	"	PUNCT
ajbmeb-1884	168	65	.	.	PUNCT
ajbmeb-1884	169	1	third	third	ADV
ajbmeb-1884	169	2	:	:	PUNCT
ajbmeb-1884	169	3	the	the	DET
ajbmeb-1884	169	4	results	result	NOUN
ajbmeb-1884	169	5	of	of	ADP
ajbmeb-1884	169	6	analyzing	analyze	VERB
ajbmeb-1884	169	7	the	the	DET
ajbmeb-1884	169	8	research	research	NOUN
ajbmeb-1884	169	9	variables	variable	NOUN
ajbmeb-1884	169	10	using	use	VERB
ajbmeb-1884	169	11	descriptive	descriptive	ADJ
ajbmeb-1884	169	12	statistics	statistic	NOUN
ajbmeb-1884	169	13	(	(	PUNCT
ajbmeb-1884	169	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	169	15	mean	mean	NOUN
ajbmeb-1884	169	16	and	and	CCONJ
ajbmeb-1884	169	17	standard	standard	ADJ
ajbmeb-1884	169	18	deviation	deviation	NOUN
ajbmeb-1884	169	19	)	)	PUNCT
ajbmeb-1884	169	20	and	and	CCONJ
ajbmeb-1884	169	21	testing	test	VERB
ajbmeb-1884	169	22	the	the	DET
ajbmeb-1884	169	23	second	second	ADJ
ajbmeb-1884	169	24	hypothesis	hypothesis	NOUN
ajbmeb-1884	169	25	,	,	PUNCT
ajbmeb-1884	169	26	as	as	SCONJ
ajbmeb-1884	169	27	shown	show	VERB
ajbmeb-1884	169	28	in	in	ADP
ajbmeb-1884	169	29	the	the	DET
ajbmeb-1884	169	30	following	follow	VERB
ajbmeb-1884	169	31	tables	table	NOUN
ajbmeb-1884	169	32	:	:	PUNCT
ajbmeb-1884	169	33	american	american	PROPN
ajbmeb-1884	169	34	journal	journal	PROPN
ajbmeb-1884	169	35	of	of	ADP
ajbmeb-1884	169	36	business	business	NOUN
ajbmeb-1884	169	37	management	management	NOUN
ajbmeb-1884	169	38	,	,	PUNCT
ajbmeb-1884	169	39	economics	economic	NOUN
ajbmeb-1884	169	40	and	and	CCONJ
ajbmeb-1884	169	41	banking	banking	NOUN
ajbmeb-1884	169	42	volume	volume	NOUN
ajbmeb-1884	169	43	21	21	NUM
ajbmeb-1884	169	44	february	february	PROPN
ajbmeb-1884	169	45	,	,	PUNCT
ajbmeb-1884	169	46	2024	2024	NUM
ajbmeb-1884	169	47	p	p	NOUN
ajbmeb-1884	169	48	a	a	DET
ajbmeb-1884	169	49	g	g	NOUN
ajbmeb-1884	169	50	e	e	NOUN
ajbmeb-1884	169	51	|	|	ADV
ajbmeb-1884	169	52	92	92	NUM
ajbmeb-1884	169	53	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	169	54	asecurity	asecurity	NOUN
ajbmeb-1884	169	55	variable	variable	ADJ
ajbmeb-1884	169	56	table	table	NOUN
ajbmeb-1884	169	57	9	9	NUM
ajbmeb-1884	169	58	t	t	NOUN
ajbmeb-1884	169	59	paragraphs	paragraph	NOUN
ajbmeb-1884	169	60	arithmetic	arithmetic	ADJ
ajbmeb-1884	169	61	mean	mean	NOUN
ajbmeb-1884	169	62	standard	standard	ADJ
ajbmeb-1884	169	63	deviation	deviation	NOUN
ajbmeb-1884	169	64	1	1	NUM
ajbmeb-1884	169	65	nominating	nominate	VERB
ajbmeb-1884	169	66	qualified	qualified	ADJ
ajbmeb-1884	169	67	members	member	NOUN
ajbmeb-1884	169	68	of	of	ADP
ajbmeb-1884	169	69	the	the	DET
ajbmeb-1884	169	70	general	general	ADJ
ajbmeb-1884	169	71	assembly	assembly	NOUN
ajbmeb-1884	169	72	or	or	CCONJ
ajbmeb-1884	169	73	outside	outside	ADP
ajbmeb-1884	169	74	it	it	PRON
ajbmeb-1884	169	75	for	for	ADP
ajbmeb-1884	169	76	membership	membership	NOUN
ajbmeb-1884	169	77	in	in	ADP
ajbmeb-1884	169	78	the	the	DET
ajbmeb-1884	169	79	board	board	NOUN
ajbmeb-1884	169	80	of	of	ADP
ajbmeb-1884	169	81	directors	director	NOUN
ajbmeb-1884	169	82	who	who	PRON
ajbmeb-1884	169	83	are	be	AUX
ajbmeb-1884	169	84	characterized	characterize	VERB
ajbmeb-1884	169	85	by	by	ADP
ajbmeb-1884	169	86	honesty	honesty	NOUN
ajbmeb-1884	169	87	.	.	PUNCT
ajbmeb-1884	170	1	4.080	4.080	NUM
ajbmeb-1884	170	2	1.0376	1.0376	NUM
ajbmeb-1884	170	3	2	2	NUM
ajbmeb-1884	170	4	determine	determine	VERB
ajbmeb-1884	170	5	the	the	DET
ajbmeb-1884	170	6	membership	membership	NOUN
ajbmeb-1884	170	7	of	of	ADP
ajbmeb-1884	170	8	boardthe	boardthe	PROPN
ajbmeb-1884	170	9	bank	bank	NOUN
ajbmeb-1884	170	10	sets	set	VERB
ajbmeb-1884	170	11	standards	standard	NOUN
ajbmeb-1884	170	12	that	that	SCONJ
ajbmeb-1884	170	13	members	member	NOUN
ajbmeb-1884	170	14	in	in	ADP
ajbmeb-1884	170	15	the	the	DET
ajbmeb-1884	170	16	board	board	NOUN
ajbmeb-1884	170	17	of	of	ADP
ajbmeb-1884	170	18	the	the	DET
ajbmeb-1884	170	19	bank	bank	NOUN
ajbmeb-1884	170	20	and	and	CCONJ
ajbmeb-1884	170	21	other	other	ADJ
ajbmeb-1884	170	22	banks	bank	NOUN
ajbmeb-1884	170	23	.	.	PUNCT
ajbmeb-1884	171	1	4.120	4.120	NUM
ajbmeb-1884	171	2	1.1299	1.1299	NUM
ajbmeb-1884	171	3	3	3	NUM
ajbmeb-1884	171	4	implementing	implement	VERB
ajbmeb-1884	171	5	the	the	DET
ajbmeb-1884	171	6	oversight	oversight	NOUN
ajbmeb-1884	171	7	function	function	NOUN
ajbmeb-1884	171	8	of	of	ADP
ajbmeb-1884	171	9	the	the	DET
ajbmeb-1884	171	10	board	board	NOUN
ajbmeb-1884	171	11	of	of	ADP
ajbmeb-1884	171	12	directors	director	NOUN
ajbmeb-1884	171	13	requires	require	VERB
ajbmeb-1884	171	14	ard	ard	PROPN
ajbmeb-1884	171	15	of	of	ADP
ajbmeb-1884	171	16	directors	director	NOUN
ajbmeb-1884	171	17	and	and	CCONJ
ajbmeb-1884	171	18	executiveseparating	executiveseparate	VERB
ajbmeb-1884	171	19	the	the	DET
ajbmeb-1884	171	20	responsibilities	responsibility	NOUN
ajbmeb-1884	171	21	of	of	ADP
ajbmeb-1884	171	22	the	the	DET
ajbmeb-1884	171	23	bo	bo	PROPN
ajbmeb-1884	171	24	management	management	NOUN
ajbmeb-1884	171	25	and	and	CCONJ
ajbmeb-1884	171	26	not	not	PART
ajbmeb-1884	171	27	collecting	collect	VERB
ajbmeb-1884	171	28	them	they	PRON
ajbmeb-1884	171	29	in	in	ADP
ajbmeb-1884	171	30	one	one	NUM
ajbmeb-1884	171	31	person	person	NOUN
ajbmeb-1884	171	32	.	.	PUNCT
ajbmeb-1884	172	1	3.880	3.880	NUM
ajbmeb-1884	172	2	1.0536	1.0536	NUM
ajbmeb-1884	172	3	the	the	DET
ajbmeb-1884	172	4	total	total	ADJ
ajbmeb-1884	172	5	4.027	4.027	NUM
ajbmeb-1884	172	6	1.0737	1.0737	NUM
ajbmeb-1884	172	7	table	table	NOUN
ajbmeb-1884	172	8	(	(	PUNCT
ajbmeb-1884	172	9	9	9	NUM
ajbmeb-1884	172	10	)	)	PUNCT
ajbmeb-1884	172	11	shows	show	VERB
ajbmeb-1884	172	12	that	that	SCONJ
ajbmeb-1884	172	13	the	the	DET
ajbmeb-1884	172	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	172	15	mean	mean	NOUN
ajbmeb-1884	172	16	for	for	SCONJ
ajbmeb-1884	172	17	the	the	DET
ajbmeb-1884	172	18	honesty	honesty	ADJ
ajbmeb-1884	172	19	variable	variable	NOUN
ajbmeb-1884	172	20	reached	reach	VERB
ajbmeb-1884	172	21	(	(	PUNCT
ajbmeb-1884	172	22	4.027	4.027	NUM
ajbmeb-1884	172	23	)	)	PUNCT
ajbmeb-1884	172	24	with	with	ADP
ajbmeb-1884	172	25	a	a	DET
ajbmeb-1884	172	26	standard	standard	ADJ
ajbmeb-1884	172	27	deviation	deviation	NOUN
ajbmeb-1884	172	28	of	of	ADP
ajbmeb-1884	172	29	(	(	PUNCT
ajbmeb-1884	172	30	1.0737	1.0737	NUM
ajbmeb-1884	172	31	)	)	PUNCT
ajbmeb-1884	172	32	,	,	PUNCT
ajbmeb-1884	172	33	which	which	PRON
ajbmeb-1884	172	34	is	be	AUX
ajbmeb-1884	172	35	greater	great	ADJ
ajbmeb-1884	172	36	than	than	ADP
ajbmeb-1884	172	37	the	the	DET
ajbmeb-1884	172	38	hypothesized	hypothesized	ADJ
ajbmeb-1884	172	39	mean	mean	NOUN
ajbmeb-1884	172	40	of	of	ADP
ajbmeb-1884	172	41	(	(	PUNCT
ajbmeb-1884	172	42	3	3	NUM
ajbmeb-1884	172	43	)	)	PUNCT
ajbmeb-1884	172	44	.	.	PUNCT
ajbmeb-1884	173	1	the	the	DET
ajbmeb-1884	173	2	table	table	NOUN
ajbmeb-1884	173	3	above	above	ADV
ajbmeb-1884	173	4	also	also	ADV
ajbmeb-1884	173	5	shows	show	VERB
ajbmeb-1884	173	6	the	the	DET
ajbmeb-1884	173	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	173	8	means	mean	NOUN
ajbmeb-1884	173	9	and	and	CCONJ
ajbmeb-1884	173	10	standard	standard	ADJ
ajbmeb-1884	173	11	deviations	deviation	NOUN
ajbmeb-1884	173	12	for	for	ADP
ajbmeb-1884	173	13	the	the	DET
ajbmeb-1884	173	14	items	item	NOUN
ajbmeb-1884	173	15	in	in	ADP
ajbmeb-1884	173	16	the	the	DET
ajbmeb-1884	173	17	honesty	honesty	ADJ
ajbmeb-1884	173	18	variable	variable	NOUN
ajbmeb-1884	173	19	,	,	PUNCT
ajbmeb-1884	173	20	which	which	PRON
ajbmeb-1884	173	21	are	be	AUX
ajbmeb-1884	173	22	all	all	ADV
ajbmeb-1884	173	23	greater	great	ADJ
ajbmeb-1884	173	24	than	than	ADP
ajbmeb-1884	173	25	the	the	DET
ajbmeb-1884	173	26	hypothesized	hypothesized	ADJ
ajbmeb-1884	173	27	mean	mean	NOUN
ajbmeb-1884	173	28	as	as	ADV
ajbmeb-1884	173	29	well	well	ADV
ajbmeb-1884	173	30	,	,	PUNCT
ajbmeb-1884	173	31	and	and	CCONJ
ajbmeb-1884	173	32	this	this	PRON
ajbmeb-1884	173	33	indicates	indicate	VERB
ajbmeb-1884	173	34	the	the	DET
ajbmeb-1884	173	35	research	research	NOUN
ajbmeb-1884	173	36	sample	sample	NOUN
ajbmeb-1884	173	37	’s	’s	PART
ajbmeb-1884	173	38	interest	interest	NOUN
ajbmeb-1884	173	39	in	in	ADP
ajbmeb-1884	173	40	the	the	DET
ajbmeb-1884	173	41	variable	variable	NOUN
ajbmeb-1884	173	42	of	of	ADP
ajbmeb-1884	173	43	honesty	honesty	NOUN
ajbmeb-1884	173	44	in	in	ADP
ajbmeb-1884	173	45	the	the	DET
ajbmeb-1884	173	46	bank	bank	NOUN
ajbmeb-1884	173	47	and	and	CCONJ
ajbmeb-1884	173	48	its	its	PRON
ajbmeb-1884	173	49	subparagraphs	subparagraph	NOUN
ajbmeb-1884	173	50	.	.	PUNCT
ajbmeb-1884	174	1	bpublic	bpublic	ADJ
ajbmeb-1884	174	2	policy	policy	NOUN
ajbmeb-1884	174	3	table	table	NOUN
ajbmeb-1884	174	4	10	10	NUM
ajbmeb-1884	174	5	t	t	NOUN
ajbmeb-1884	174	6	paragraphs	paragraph	NOUN
ajbmeb-1884	175	1	arithmeti	arithmeti	INTJ
ajbmeb-1884	175	2	c	c	AUX
ajbmeb-1884	175	3	mean	mean	VERB
ajbmeb-1884	175	4	standard	standard	ADJ
ajbmeb-1884	175	5	deviation	deviation	NOUN
ajbmeb-1884	175	6	1	1	NUM
ajbmeb-1884	175	7	the	the	DET
ajbmeb-1884	175	8	bank	bank	NOUN
ajbmeb-1884	175	9	's	's	PART
ajbmeb-1884	175	10	interest	interest	NOUN
ajbmeb-1884	175	11	requires	require	VERB
ajbmeb-1884	175	12	focusing	focus	VERB
ajbmeb-1884	175	13	on	on	ADP
ajbmeb-1884	175	14	the	the	DET
ajbmeb-1884	175	15	diversity	diversity	NOUN
ajbmeb-1884	175	16	of	of	ADP
ajbmeb-1884	175	17	members	member	NOUN
ajbmeb-1884	175	18	'	'	PART
ajbmeb-1884	175	19	practical	practical	ADJ
ajbmeb-1884	175	20	and	and	CCONJ
ajbmeb-1884	175	21	scientific	scientific	ADJ
ajbmeb-1884	175	22	experiences	experience	NOUN
ajbmeb-1884	175	23	3.611	3.611	NUM
ajbmeb-1884	175	24	1.2543	1.2543	NUM
ajbmeb-1884	175	25	2	2	NUM
ajbmeb-1884	175	26	the	the	DET
ajbmeb-1884	175	27	council	council	NOUN
ajbmeb-1884	175	28	’s	’s	PART
ajbmeb-1884	175	29	efficiency	efficiency	NOUN
ajbmeb-1884	175	30	and	and	CCONJ
ajbmeb-1884	175	31	performance	performance	NOUN
ajbmeb-1884	175	32	are	be	AUX
ajbmeb-1884	175	33	evaluated	evaluate	VERB
ajbmeb-1884	175	34	to	to	PART
ajbmeb-1884	175	35	achieve	achieve	VERB
ajbmeb-1884	175	36	the	the	DET
ajbmeb-1884	175	37	measurement	measurement	NOUN
ajbmeb-1884	175	38	standardsstrategic	standardsstrategic	ADJ
ajbmeb-1884	175	39	objectives	objective	NOUN
ajbmeb-1884	175	40	and	and	CCONJ
ajbmeb-1884	175	41	other	other	ADJ
ajbmeb-1884	175	42	performance	performance	NOUN
ajbmeb-1884	175	43	.	.	PUNCT
ajbmeb-1884	176	1	3.800	3.800	NUM
ajbmeb-1884	176	2	1.0801	1.0801	NUM
ajbmeb-1884	176	3	3	3	NUM
ajbmeb-1884	176	4	the	the	DET
ajbmeb-1884	176	5	board	board	NOUN
ajbmeb-1884	176	6	of	of	ADP
ajbmeb-1884	176	7	directors	director	NOUN
ajbmeb-1884	176	8	sets	set	VERB
ajbmeb-1884	176	9	goals	goal	NOUN
ajbmeb-1884	176	10	and	and	CCONJ
ajbmeb-1884	176	11	strategies	strategy	NOUN
ajbmeb-1884	176	12	,	,	PUNCT
ajbmeb-1884	176	13	develops	develop	VERB
ajbmeb-1884	176	14	them	they	PRON
ajbmeb-1884	176	15	,	,	PUNCT
ajbmeb-1884	176	16	and	and	CCONJ
ajbmeb-1884	176	17	verifies	verifie	NOUN
ajbmeb-1884	176	18	compliance	compliance	NOUN
ajbmeb-1884	176	19	with	with	ADP
ajbmeb-1884	176	20	them	they	PRON
ajbmeb-1884	176	21	.	.	PUNCT
ajbmeb-1884	177	1	3.800	3.800	NUM
ajbmeb-1884	177	2	1.1180	1.1180	NUM
ajbmeb-1884	177	3	the	the	DET
ajbmeb-1884	177	4	total	total	ADJ
ajbmeb-1884	177	5	3.737	3.737	NUM
ajbmeb-1884	177	6	1.1079	1.1079	NUM
ajbmeb-1884	177	7	table	table	NOUN
ajbmeb-1884	177	8	(	(	PUNCT
ajbmeb-1884	177	9	10	10	NUM
ajbmeb-1884	177	10	)	)	PUNCT
ajbmeb-1884	177	11	shows	show	VERB
ajbmeb-1884	177	12	that	that	SCONJ
ajbmeb-1884	177	13	the	the	DET
ajbmeb-1884	177	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	177	15	mean	mean	NOUN
ajbmeb-1884	177	16	of	of	ADP
ajbmeb-1884	177	17	the	the	DET
ajbmeb-1884	177	18	public	public	ADJ
ajbmeb-1884	177	19	policy	policy	NOUN
ajbmeb-1884	177	20	variable	variable	NOUN
ajbmeb-1884	177	21	reached	reach	VERB
ajbmeb-1884	177	22	(	(	PUNCT
ajbmeb-1884	177	23	3.737	3.737	NUM
ajbmeb-1884	177	24	)	)	PUNCT
ajbmeb-1884	177	25	with	with	ADP
ajbmeb-1884	177	26	a	a	DET
ajbmeb-1884	177	27	standard	standard	ADJ
ajbmeb-1884	177	28	deviation	deviation	NOUN
ajbmeb-1884	177	29	of	of	ADP
ajbmeb-1884	177	30	(	(	PUNCT
ajbmeb-1884	177	31	1.1079	1.1079	NUM
ajbmeb-1884	177	32	)	)	PUNCT
ajbmeb-1884	177	33	,	,	PUNCT
ajbmeb-1884	177	34	which	which	PRON
ajbmeb-1884	177	35	is	be	AUX
ajbmeb-1884	177	36	greater	great	ADJ
ajbmeb-1884	177	37	than	than	ADP
ajbmeb-1884	177	38	the	the	DET
ajbmeb-1884	177	39	hypothesized	hypothesized	ADJ
ajbmeb-1884	177	40	mean	mean	NOUN
ajbmeb-1884	177	41	of	of	ADP
ajbmeb-1884	177	42	(	(	PUNCT
ajbmeb-1884	177	43	3	3	NUM
ajbmeb-1884	177	44	)	)	PUNCT
ajbmeb-1884	177	45	.	.	PUNCT
ajbmeb-1884	178	1	the	the	DET
ajbmeb-1884	178	2	table	table	NOUN
ajbmeb-1884	178	3	above	above	ADV
ajbmeb-1884	178	4	also	also	ADV
ajbmeb-1884	178	5	shows	show	VERB
ajbmeb-1884	178	6	the	the	DET
ajbmeb-1884	178	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	178	8	means	mean	NOUN
ajbmeb-1884	178	9	and	and	CCONJ
ajbmeb-1884	178	10	standard	standard	ADJ
ajbmeb-1884	178	11	deviations	deviation	NOUN
ajbmeb-1884	178	12	for	for	ADP
ajbmeb-1884	178	13	the	the	DET
ajbmeb-1884	178	14	items	item	NOUN
ajbmeb-1884	178	15	of	of	ADP
ajbmeb-1884	178	16	the	the	DET
ajbmeb-1884	178	17	public	public	ADJ
ajbmeb-1884	178	18	policy	policy	NOUN
ajbmeb-1884	178	19	variable	variable	NOUN
ajbmeb-1884	178	20	,	,	PUNCT
ajbmeb-1884	178	21	which	which	PRON
ajbmeb-1884	178	22	are	be	AUX
ajbmeb-1884	178	23	all	all	ADV
ajbmeb-1884	178	24	greater	great	ADJ
ajbmeb-1884	178	25	than	than	ADP
ajbmeb-1884	178	26	the	the	DET
ajbmeb-1884	178	27	hypothesized	hypothesized	ADJ
ajbmeb-1884	178	28	mean	mean	NOUN
ajbmeb-1884	178	29	as	as	ADV
ajbmeb-1884	178	30	well	well	ADV
ajbmeb-1884	178	31	.	.	PUNCT
ajbmeb-1884	179	1	this	this	PRON
ajbmeb-1884	179	2	it	it	PRON
ajbmeb-1884	179	3	indicates	indicate	VERB
ajbmeb-1884	179	4	the	the	DET
ajbmeb-1884	179	5	interest	interest	NOUN
ajbmeb-1884	179	6	of	of	ADP
ajbmeb-1884	179	7	the	the	DET
ajbmeb-1884	179	8	research	research	NOUN
ajbmeb-1884	179	9	sample	sample	NOUN
ajbmeb-1884	179	10	in	in	ADP
ajbmeb-1884	179	11	the	the	DET
ajbmeb-1884	179	12	variable	variable	NOUN
ajbmeb-1884	179	13	of	of	ADP
ajbmeb-1884	179	14	the	the	DET
ajbmeb-1884	179	15	general	general	ADJ
ajbmeb-1884	179	16	policy	policy	NOUN
ajbmeb-1884	179	17	followed	follow	VERB
ajbmeb-1884	179	18	by	by	ADP
ajbmeb-1884	179	19	the	the	DET
ajbmeb-1884	179	20	bank	bank	NOUN
ajbmeb-1884	179	21	and	and	CCONJ
ajbmeb-1884	179	22	its	its	PRON
ajbmeb-1884	179	23	subparagraphs	subparagraph	NOUN
ajbmeb-1884	179	24	.	.	PUNCT
ajbmeb-1884	180	1	monitoring	monitor	VERB
ajbmeb-1884	180	2	the	the	DET
ajbmeb-1884	180	3	progress	progress	NOUN
ajbmeb-1884	180	4	of	of	ADP
ajbmeb-1884	180	5	work	work	NOUN
ajbmeb-1884	180	6	in	in	ADP
ajbmeb-1884	180	7	the	the	DET
ajbmeb-1884	180	8	bank	bank	NOUN
ajbmeb-1884	180	9	american	american	PROPN
ajbmeb-1884	180	10	journal	journal	PROPN
ajbmeb-1884	180	11	of	of	ADP
ajbmeb-1884	180	12	business	business	NOUN
ajbmeb-1884	180	13	management	management	NOUN
ajbmeb-1884	180	14	,	,	PUNCT
ajbmeb-1884	180	15	economics	economic	NOUN
ajbmeb-1884	180	16	and	and	CCONJ
ajbmeb-1884	180	17	banking	banking	NOUN
ajbmeb-1884	180	18	volume	volume	NOUN
ajbmeb-1884	180	19	21	21	NUM
ajbmeb-1884	180	20	february	february	PROPN
ajbmeb-1884	180	21	,	,	PUNCT
ajbmeb-1884	180	22	2024	2024	NUM
ajbmeb-1884	180	23	p	p	NOUN
ajbmeb-1884	180	24	a	a	DET
ajbmeb-1884	180	25	g	g	NOUN
ajbmeb-1884	180	26	e	e	NOUN
ajbmeb-1884	180	27	|	|	ADV
ajbmeb-1884	180	28	93	93	NUM
ajbmeb-1884	180	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	180	30	(	(	PUNCT
ajbmeb-1884	180	31	table	table	NOUN
ajbmeb-1884	180	32	11	11	NUM
ajbmeb-1884	180	33	)	)	PUNCT
ajbmeb-1884	180	34	t	t	NOUN
ajbmeb-1884	180	35	paragraphs	paragraph	VERB
ajbmeb-1884	180	36	arithmeti	arithmeti	INTJ
ajbmeb-1884	180	37	c	c	AUX
ajbmeb-1884	180	38	mean	mean	VERB
ajbmeb-1884	180	39	standard	standard	ADJ
ajbmeb-1884	180	40	deviation	deviation	NOUN
ajbmeb-1884	180	41	1	1	NUM
ajbmeb-1884	180	42	the	the	DET
ajbmeb-1884	180	43	council	council	NOUN
ajbmeb-1884	180	44	supervises	supervise	VERB
ajbmeb-1884	180	45	the	the	DET
ajbmeb-1884	180	46	formation	formation	NOUN
ajbmeb-1884	180	47	of	of	ADP
ajbmeb-1884	180	48	the	the	DET
ajbmeb-1884	180	49	organizational	organizational	ADJ
ajbmeb-1884	180	50	structure	structure	NOUN
ajbmeb-1884	180	51	and	and	CCONJ
ajbmeb-1884	180	52	responsibilities	responsibility	NOUN
ajbmeb-1884	180	53	and	and	CCONJ
ajbmeb-1884	180	54	job	job	NOUN
ajbmeb-1884	180	55	descriptions	description	NOUN
ajbmeb-1884	180	56	approves	approve	VERB
ajbmeb-1884	180	57	the	the	DET
ajbmeb-1884	180	58	tasks	task	NOUN
ajbmeb-1884	180	59	,	,	PUNCT
ajbmeb-1884	180	60	powers	power	NOUN
ajbmeb-1884	180	61	,	,	PUNCT
ajbmeb-1884	180	62	duties	duty	NOUN
ajbmeb-1884	180	63	,	,	PUNCT
ajbmeb-1884	180	64	.	.	PUNCT
ajbmeb-1884	181	1	4.488	4.488	NUM
ajbmeb-1884	181	2	0.6532	0.6532	NUM
ajbmeb-1884	181	3	2	2	NUM
ajbmeb-1884	181	4	reorganization	reorganization	NOUN
ajbmeb-1884	181	5	is	be	AUX
ajbmeb-1884	181	6	carefully	carefully	ADV
ajbmeb-1884	181	7	studied	study	VERB
ajbmeb-1884	181	8	by	by	ADP
ajbmeb-1884	181	9	the	the	DET
ajbmeb-1884	181	10	board	board	NOUN
ajbmeb-1884	181	11	ofrestructuring	ofrestructuring	NOUN
ajbmeb-1884	181	12	or	or	CCONJ
ajbmeb-1884	181	13	directors	director	NOUN
ajbmeb-1884	181	14	.	.	PUNCT
ajbmeb-1884	182	1	4.080	4.080	NUM
ajbmeb-1884	182	2	1.0770	1.0770	NUM
ajbmeb-1884	182	3	3	3	NUM
ajbmeb-1884	182	4	the	the	DET
ajbmeb-1884	182	5	bank	bank	NOUN
ajbmeb-1884	182	6	is	be	AUX
ajbmeb-1884	182	7	committed	commit	VERB
ajbmeb-1884	182	8	to	to	ADP
ajbmeb-1884	182	9	fair	fair	ADJ
ajbmeb-1884	182	10	treatment	treatment	NOUN
ajbmeb-1884	182	11	with	with	ADP
ajbmeb-1884	182	12	all	all	DET
ajbmeb-1884	182	13	shareholders	shareholder	NOUN
ajbmeb-1884	182	14	,	,	PUNCT
ajbmeb-1884	182	15	depositors	depositor	NOUN
ajbmeb-1884	182	16	and	and	CCONJ
ajbmeb-1884	182	17	borrowers	borrower	NOUN
ajbmeb-1884	182	18	alike	alike	ADV
ajbmeb-1884	182	19	3.880	3.880	NUM
ajbmeb-1884	182	20	1.0924	1.0924	NUM
ajbmeb-1884	182	21	the	the	DET
ajbmeb-1884	182	22	total	total	ADJ
ajbmeb-1884	182	23	4.147	4.147	NUM
ajbmeb-1884	182	24	0.9409	0.9409	NUM
ajbmeb-1884	182	25	table	table	NOUN
ajbmeb-1884	182	26	(	(	PUNCT
ajbmeb-1884	182	27	11	11	NUM
ajbmeb-1884	182	28	)	)	PUNCT
ajbmeb-1884	182	29	shows	show	VERB
ajbmeb-1884	182	30	that	that	SCONJ
ajbmeb-1884	182	31	the	the	DET
ajbmeb-1884	182	32	arithmetic	arithmetic	ADJ
ajbmeb-1884	182	33	mean	mean	NOUN
ajbmeb-1884	182	34	of	of	ADP
ajbmeb-1884	182	35	the	the	DET
ajbmeb-1884	182	36	variable	variable	NOUN
ajbmeb-1884	182	37	monitoring	monitor	VERB
ajbmeb-1884	182	38	the	the	DET
ajbmeb-1884	182	39	workflow	workflow	NOUN
ajbmeb-1884	182	40	in	in	ADP
ajbmeb-1884	182	41	the	the	DET
ajbmeb-1884	182	42	bank	bank	NOUN
ajbmeb-1884	182	43	reached	reach	VERB
ajbmeb-1884	182	44	(	(	PUNCT
ajbmeb-1884	182	45	4.147	4.147	NUM
ajbmeb-1884	182	46	)	)	PUNCT
ajbmeb-1884	182	47	,	,	PUNCT
ajbmeb-1884	182	48	with	with	ADP
ajbmeb-1884	182	49	a	a	DET
ajbmeb-1884	182	50	standard	standard	ADJ
ajbmeb-1884	182	51	deviation	deviation	NOUN
ajbmeb-1884	182	52	of	of	ADP
ajbmeb-1884	182	53	(	(	PUNCT
ajbmeb-1884	182	54	0.9409	0.9409	NUM
ajbmeb-1884	182	55	)	)	PUNCT
ajbmeb-1884	182	56	,	,	PUNCT
ajbmeb-1884	182	57	which	which	PRON
ajbmeb-1884	182	58	is	be	AUX
ajbmeb-1884	182	59	greater	great	ADJ
ajbmeb-1884	182	60	than	than	ADP
ajbmeb-1884	182	61	the	the	DET
ajbmeb-1884	182	62	hypothesized	hypothesized	ADJ
ajbmeb-1884	182	63	mean	mean	NOUN
ajbmeb-1884	182	64	of	of	ADP
ajbmeb-1884	182	65	(	(	PUNCT
ajbmeb-1884	182	66	3	3	NUM
ajbmeb-1884	182	67	)	)	PUNCT
ajbmeb-1884	182	68	.	.	PUNCT
ajbmeb-1884	183	1	the	the	DET
ajbmeb-1884	183	2	table	table	NOUN
ajbmeb-1884	183	3	above	above	ADV
ajbmeb-1884	183	4	also	also	ADV
ajbmeb-1884	183	5	shows	show	VERB
ajbmeb-1884	183	6	the	the	DET
ajbmeb-1884	183	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	183	8	means	mean	NOUN
ajbmeb-1884	183	9	and	and	CCONJ
ajbmeb-1884	183	10	standard	standard	ADJ
ajbmeb-1884	183	11	deviations	deviation	NOUN
ajbmeb-1884	183	12	for	for	ADP
ajbmeb-1884	183	13	the	the	DET
ajbmeb-1884	183	14	items	item	NOUN
ajbmeb-1884	183	15	of	of	ADP
ajbmeb-1884	183	16	the	the	DET
ajbmeb-1884	183	17	variable	variable	NOUN
ajbmeb-1884	183	18	monitoring	monitor	VERB
ajbmeb-1884	183	19	the	the	DET
ajbmeb-1884	183	20	workflow	workflow	NOUN
ajbmeb-1884	183	21	in	in	ADP
ajbmeb-1884	183	22	the	the	DET
ajbmeb-1884	183	23	bank	bank	NOUN
ajbmeb-1884	183	24	,	,	PUNCT
ajbmeb-1884	183	25	which	which	PRON
ajbmeb-1884	183	26	are	be	AUX
ajbmeb-1884	183	27	all	all	PRON
ajbmeb-1884	183	28	of	of	ADP
ajbmeb-1884	183	29	them	they	PRON
ajbmeb-1884	183	30	.	.	PUNCT
ajbmeb-1884	184	1	it	it	PRON
ajbmeb-1884	184	2	is	be	AUX
ajbmeb-1884	184	3	also	also	ADV
ajbmeb-1884	184	4	greater	great	ADJ
ajbmeb-1884	184	5	than	than	ADP
ajbmeb-1884	184	6	the	the	DET
ajbmeb-1884	184	7	hypothetical	hypothetical	ADJ
ajbmeb-1884	184	8	mean	mean	NOUN
ajbmeb-1884	184	9	,	,	PUNCT
ajbmeb-1884	184	10	and	and	CCONJ
ajbmeb-1884	184	11	this	this	PRON
ajbmeb-1884	184	12	indicates	indicate	VERB
ajbmeb-1884	184	13	the	the	DET
ajbmeb-1884	184	14	research	research	NOUN
ajbmeb-1884	184	15	sample	sample	NOUN
ajbmeb-1884	184	16	’s	’s	PART
ajbmeb-1884	184	17	interest	interest	NOUN
ajbmeb-1884	184	18	in	in	ADP
ajbmeb-1884	184	19	the	the	DET
ajbmeb-1884	184	20	variable	variable	NOUN
ajbmeb-1884	184	21	of	of	ADP
ajbmeb-1884	184	22	monitoring	monitor	VERB
ajbmeb-1884	184	23	the	the	DET
ajbmeb-1884	184	24	workflow	workflow	NOUN
ajbmeb-1884	184	25	in	in	ADP
ajbmeb-1884	184	26	the	the	DET
ajbmeb-1884	184	27	bank	bank	NOUN
ajbmeb-1884	184	28	and	and	CCONJ
ajbmeb-1884	184	29	its	its	PRON
ajbmeb-1884	184	30	subparagraphs	subparagraph	NOUN
ajbmeb-1884	184	31	.	.	PUNCT
ajbmeb-1884	185	1	ccompensation	ccompensation	NOUN
ajbmeb-1884	185	2	table	table	NOUN
ajbmeb-1884	185	3	12	12	NUM
ajbmeb-1884	185	4	t	t	NOUN
ajbmeb-1884	185	5	paragraphs	paragraph	NOUN
ajbmeb-1884	185	6	arithmet	arithmet	ADV
ajbmeb-1884	185	7	ic	ic	PRON
ajbmeb-1884	185	8	mean	mean	VERB
ajbmeb-1884	185	9	standard	standard	ADJ
ajbmeb-1884	185	10	deviation	deviation	NOUN
ajbmeb-1884	185	11	1	1	NUM
ajbmeb-1884	185	12	there	there	PRON
ajbmeb-1884	185	13	is	be	VERB
ajbmeb-1884	185	14	a	a	DET
ajbmeb-1884	185	15	compensation	compensation	NOUN
ajbmeb-1884	185	16	and	and	CCONJ
ajbmeb-1884	185	17	rewards	reward	VERB
ajbmeb-1884	185	18	system	system	NOUN
ajbmeb-1884	185	19	approved	approve	VERB
ajbmeb-1884	185	20	by	by	ADP
ajbmeb-1884	185	21	the	the	DET
ajbmeb-1884	185	22	board	board	NOUN
ajbmeb-1884	185	23	of	of	ADP
ajbmeb-1884	185	24	directors	director	NOUN
ajbmeb-1884	185	25	and	and	CCONJ
ajbmeb-1884	185	26	known	know	VERB
ajbmeb-1884	185	27	to	to	ADP
ajbmeb-1884	185	28	employees	employee	NOUN
ajbmeb-1884	185	29	.	.	PUNCT
ajbmeb-1884	186	1	2.960	2.960	NUM
ajbmeb-1884	186	2	1.0598	1.0598	NUM
ajbmeb-1884	186	3	2	2	NUM
ajbmeb-1884	186	4	there	there	PRON
ajbmeb-1884	186	5	is	be	VERB
ajbmeb-1884	186	6	a	a	DET
ajbmeb-1884	186	7	clear	clear	ADJ
ajbmeb-1884	186	8	wage	wage	NOUN
ajbmeb-1884	186	9	structure	structure	NOUN
ajbmeb-1884	186	10	that	that	PRON
ajbmeb-1884	186	11	is	be	AUX
ajbmeb-1884	186	12	fair	fair	ADJ
ajbmeb-1884	186	13	,	,	PUNCT
ajbmeb-1884	186	14	objective	objective	ADJ
ajbmeb-1884	186	15	and	and	CCONJ
ajbmeb-1884	186	16	friendly	friendly	ADJ
ajbmeb-1884	186	17	2.720	2.720	NUM
ajbmeb-1884	186	18	1.1372	1.1372	NUM
ajbmeb-1884	186	19	3	3	NUM
ajbmeb-1884	186	20	rewards	reward	NOUN
ajbmeb-1884	186	21	and	and	CCONJ
ajbmeb-1884	186	22	incentives	incentive	NOUN
ajbmeb-1884	186	23	for	for	ADP
ajbmeb-1884	186	24	employees	employee	NOUN
ajbmeb-1884	186	25	are	be	AUX
ajbmeb-1884	186	26	approved	approve	VERB
ajbmeb-1884	186	27	by	by	ADP
ajbmeb-1884	186	28	a	a	DET
ajbmeb-1884	186	29	committee	committee	NOUN
ajbmeb-1884	186	30	with	with	ADP
ajbmeb-1884	186	31	authority	authority	NOUN
ajbmeb-1884	186	32	characterized	characterize	VERB
ajbmeb-1884	186	33	by	by	ADP
ajbmeb-1884	186	34	integrity	integrity	NOUN
ajbmeb-1884	186	35	and	and	CCONJ
ajbmeb-1884	186	36	efficiency	efficiency	NOUN
ajbmeb-1884	186	37	.	.	PUNCT
ajbmeb-1884	187	1	3.000	3.000	NUM
ajbmeb-1884	187	2	1.2247	1.2247	NUM
ajbmeb-1884	187	3	the	the	DET
ajbmeb-1884	187	4	total	total	ADJ
ajbmeb-1884	187	5	2.893	2.893	NUM
ajbmeb-1884	187	6	1.1406	1.1406	NUM
ajbmeb-1884	187	7	table	table	NOUN
ajbmeb-1884	187	8	(	(	PUNCT
ajbmeb-1884	187	9	12	12	NUM
ajbmeb-1884	187	10	)	)	PUNCT
ajbmeb-1884	187	11	shows	show	VERB
ajbmeb-1884	187	12	that	that	SCONJ
ajbmeb-1884	187	13	the	the	DET
ajbmeb-1884	187	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	187	15	mean	mean	NOUN
ajbmeb-1884	187	16	for	for	ADP
ajbmeb-1884	187	17	the	the	DET
ajbmeb-1884	187	18	compensation	compensation	NOUN
ajbmeb-1884	187	19	variable	variable	NOUN
ajbmeb-1884	187	20	was	be	AUX
ajbmeb-1884	187	21	(	(	PUNCT
ajbmeb-1884	187	22	2.893	2.893	NUM
ajbmeb-1884	187	23	)	)	PUNCT
ajbmeb-1884	187	24	with	with	ADP
ajbmeb-1884	187	25	a	a	DET
ajbmeb-1884	187	26	standard	standard	ADJ
ajbmeb-1884	187	27	deviation	deviation	NOUN
ajbmeb-1884	187	28	of	of	ADP
ajbmeb-1884	187	29	(	(	PUNCT
ajbmeb-1884	187	30	1.1406	1.1406	NUM
ajbmeb-1884	187	31	)	)	PUNCT
ajbmeb-1884	187	32	,	,	PUNCT
ajbmeb-1884	187	33	which	which	PRON
ajbmeb-1884	187	34	is	be	AUX
ajbmeb-1884	187	35	less	less	ADJ
ajbmeb-1884	187	36	than	than	ADP
ajbmeb-1884	187	37	the	the	DET
ajbmeb-1884	187	38	hypothesized	hypothesized	ADJ
ajbmeb-1884	187	39	mean	mean	NOUN
ajbmeb-1884	187	40	of	of	ADP
ajbmeb-1884	187	41	(	(	PUNCT
ajbmeb-1884	187	42	3	3	NUM
ajbmeb-1884	187	43	)	)	PUNCT
ajbmeb-1884	187	44	.	.	PUNCT
ajbmeb-1884	188	1	the	the	DET
ajbmeb-1884	188	2	table	table	NOUN
ajbmeb-1884	188	3	above	above	ADV
ajbmeb-1884	188	4	also	also	ADV
ajbmeb-1884	188	5	shows	show	VERB
ajbmeb-1884	188	6	the	the	DET
ajbmeb-1884	188	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	188	8	means	mean	NOUN
ajbmeb-1884	188	9	and	and	CCONJ
ajbmeb-1884	188	10	standard	standard	ADJ
ajbmeb-1884	188	11	deviations	deviation	NOUN
ajbmeb-1884	188	12	for	for	ADP
ajbmeb-1884	188	13	the	the	DET
ajbmeb-1884	188	14	items	item	NOUN
ajbmeb-1884	188	15	in	in	ADP
ajbmeb-1884	188	16	the	the	DET
ajbmeb-1884	188	17	compensation	compensation	NOUN
ajbmeb-1884	188	18	variable	variable	NOUN
ajbmeb-1884	188	19	,	,	PUNCT
ajbmeb-1884	188	20	which	which	PRON
ajbmeb-1884	188	21	are	be	AUX
ajbmeb-1884	188	22	all	all	PRON
ajbmeb-1884	188	23	also	also	ADV
ajbmeb-1884	188	24	less	less	ADJ
ajbmeb-1884	188	25	than	than	ADP
ajbmeb-1884	188	26	the	the	DET
ajbmeb-1884	188	27	hypothesized	hypothesized	ADJ
ajbmeb-1884	188	28	mean	mean	NOUN
ajbmeb-1884	188	29	except	except	SCONJ
ajbmeb-1884	188	30	for	for	ADP
ajbmeb-1884	188	31	paragraph	paragraph	NOUN
ajbmeb-1884	188	32	(	(	PUNCT
ajbmeb-1884	188	33	3	3	X
ajbmeb-1884	188	34	)	)	PUNCT
ajbmeb-1884	188	35	this	this	PRON
ajbmeb-1884	188	36	indicates	indicate	VERB
ajbmeb-1884	188	37	the	the	DET
ajbmeb-1884	188	38	weakness	weakness	NOUN
ajbmeb-1884	188	39	of	of	ADP
ajbmeb-1884	188	40	the	the	DET
ajbmeb-1884	188	41	compensation	compensation	NOUN
ajbmeb-1884	188	42	that	that	SCONJ
ajbmeb-1884	188	43	the	the	DET
ajbmeb-1884	188	44	bank	bank	NOUN
ajbmeb-1884	188	45	provides	provide	VERB
ajbmeb-1884	188	46	to	to	ADP
ajbmeb-1884	188	47	employees	employee	NOUN
ajbmeb-1884	188	48	.	.	PUNCT
ajbmeb-1884	189	1	american	american	ADJ
ajbmeb-1884	189	2	journal	journal	PROPN
ajbmeb-1884	189	3	of	of	ADP
ajbmeb-1884	189	4	business	business	NOUN
ajbmeb-1884	189	5	management	management	NOUN
ajbmeb-1884	189	6	,	,	PUNCT
ajbmeb-1884	189	7	economics	economic	NOUN
ajbmeb-1884	189	8	and	and	CCONJ
ajbmeb-1884	189	9	banking	banking	NOUN
ajbmeb-1884	189	10	volume	volume	NOUN
ajbmeb-1884	189	11	21	21	NUM
ajbmeb-1884	189	12	february	february	PROPN
ajbmeb-1884	189	13	,	,	PUNCT
ajbmeb-1884	189	14	2024	2024	NUM
ajbmeb-1884	189	15	p	p	NOUN
ajbmeb-1884	189	16	a	a	DET
ajbmeb-1884	189	17	g	g	NOUN
ajbmeb-1884	189	18	e	e	PROPN
ajbmeb-1884	189	19	|	|	ADV
ajbmeb-1884	189	20	94	94	NUM
ajbmeb-1884	189	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1884	189	22	dcommittees	dcommittees	PROPN
ajbmeb-1884	189	23	)	)	PUNCT
ajbmeb-1884	189	24	table	table	NOUN
ajbmeb-1884	189	25	13	13	NUM
ajbmeb-1884	189	26	(	(	PUNCT
ajbmeb-1884	189	27	t	t	PROPN
ajbmeb-1884	189	28	paragraphs	paragraph	VERB
ajbmeb-1884	189	29	arithmeti	arithmeti	INTJ
ajbmeb-1884	189	30	c	c	AUX
ajbmeb-1884	189	31	mean	mean	VERB
ajbmeb-1884	189	32	standard	standard	ADJ
ajbmeb-1884	189	33	deviation	deviation	NOUN
ajbmeb-1884	189	34	1	1	NUM
ajbmeb-1884	189	35	the	the	DET
ajbmeb-1884	189	36	council	council	NOUN
ajbmeb-1884	189	37	forms	form	VERB
ajbmeb-1884	189	38	committees	committee	NOUN
ajbmeb-1884	189	39	that	that	PRON
ajbmeb-1884	189	40	ensure	ensure	VERB
ajbmeb-1884	189	41	the	the	DET
ajbmeb-1884	189	42	safe	safe	ADJ
ajbmeb-1884	189	43	,	,	PUNCT
ajbmeb-1884	189	44	sound	sound	ADJ
ajbmeb-1884	189	45	and	and	CCONJ
ajbmeb-1884	189	46	effective	effective	ADJ
ajbmeb-1884	189	47	conduct	conduct	NOUN
ajbmeb-1884	189	48	of	of	ADP
ajbmeb-1884	189	49	the	the	DET
ajbmeb-1884	189	50	bank	bank	NOUN
ajbmeb-1884	189	51	’s	’s	PART
ajbmeb-1884	189	52	business	business	NOUN
ajbmeb-1884	189	53	and	and	CCONJ
ajbmeb-1884	189	54	determines	determine	VERB
ajbmeb-1884	189	55	their	their	PRON
ajbmeb-1884	189	56	tasks	task	NOUN
ajbmeb-1884	189	57	and	and	CCONJ
ajbmeb-1884	189	58	terms	term	NOUN
ajbmeb-1884	189	59	of	of	ADP
ajbmeb-1884	189	60	reference	reference	NOUN
ajbmeb-1884	189	61	.	.	PUNCT
ajbmeb-1884	190	1	3.840	3.840	NUM
ajbmeb-1884	190	2	1.1788	1.1788	NUM
ajbmeb-1884	190	3	2	2	NUM
ajbmeb-1884	190	4	management	management	NOUN
ajbmeb-1884	190	5	committee	committee	NOUN
ajbmeb-1884	190	6	to	to	ADP
ajbmeb-1884	190	7	enhancethe	enhancethe	PROPN
ajbmeb-1884	190	8	board	board	PROPN
ajbmeb-1884	190	9	of	of	ADP
ajbmeb-1884	190	10	directors	director	NOUN
ajbmeb-1884	190	11	appoints	appoint	VERB
ajbmeb-1884	190	12	a	a	DET
ajbmeb-1884	190	13	risk	risk	NOUN
ajbmeb-1884	190	14	its	its	PRON
ajbmeb-1884	190	15	mission	mission	NOUN
ajbmeb-1884	190	16	in	in	ADP
ajbmeb-1884	190	17	managing	manage	VERB
ajbmeb-1884	190	18	strategic	strategic	ADJ
ajbmeb-1884	190	19	risks	risk	NOUN
ajbmeb-1884	190	20	.	.	PUNCT
ajbmeb-1884	191	1	4.000	4.000	NUM
ajbmeb-1884	191	2	1.0408	1.0408	NUM
ajbmeb-1884	191	3	3	3	NUM
ajbmeb-1884	191	4	the	the	DET
ajbmeb-1884	191	5	audit	audit	NOUN
ajbmeb-1884	191	6	committee	committee	NOUN
ajbmeb-1884	191	7	is	be	AUX
ajbmeb-1884	191	8	established	establish	VERB
ajbmeb-1884	191	9	in	in	ADP
ajbmeb-1884	191	10	accordance	accordance	NOUN
ajbmeb-1884	191	11	with	with	ADP
ajbmeb-1884	191	12	the	the	DET
ajbmeb-1884	191	13	requirements	requirement	NOUN
ajbmeb-1884	191	14	of	of	ADP
ajbmeb-1884	191	15	disclosure	disclosure	NOUN
ajbmeb-1884	191	16	and	and	CCONJ
ajbmeb-1884	191	17	transparency	transparency	NOUN
ajbmeb-1884	191	18	and	and	CCONJ
ajbmeb-1884	191	19	the	the	DET
ajbmeb-1884	191	20	instructions	instruction	NOUN
ajbmeb-1884	191	21	of	of	ADP
ajbmeb-1884	191	22	the	the	DET
ajbmeb-1884	191	23	governing	govern	VERB
ajbmeb-1884	191	24	monetary	monetary	ADJ
ajbmeb-1884	191	25	authority	authority	NOUN
ajbmeb-1884	191	26	.	.	PUNCT
ajbmeb-1884	192	1	3.600	3.600	NUM
ajbmeb-1884	192	2	1.1547	1.1547	NUM
ajbmeb-1884	192	3	the	the	DET
ajbmeb-1884	192	4	total	total	ADJ
ajbmeb-1884	192	5	3.813	3.813	NUM
ajbmeb-1884	192	6	1.1247	1.1247	NUM
ajbmeb-1884	192	7	-ه	-ه	NOUN
ajbmeb-1884	192	8	table	table	NOUN
ajbmeb-1884	192	9	(	(	PUNCT
ajbmeb-1884	192	10	13	13	NUM
ajbmeb-1884	192	11	)	)	PUNCT
ajbmeb-1884	192	12	shows	show	VERB
ajbmeb-1884	192	13	that	that	SCONJ
ajbmeb-1884	192	14	the	the	DET
ajbmeb-1884	192	15	arithmetic	arithmetic	ADJ
ajbmeb-1884	192	16	mean	mean	NOUN
ajbmeb-1884	192	17	for	for	SCONJ
ajbmeb-1884	192	18	the	the	DET
ajbmeb-1884	192	19	committees	committee	NOUN
ajbmeb-1884	192	20	variable	variable	ADJ
ajbmeb-1884	192	21	reached	reach	VERB
ajbmeb-1884	192	22	(	(	PUNCT
ajbmeb-1884	192	23	3.813	3.813	NUM
ajbmeb-1884	192	24	)	)	PUNCT
ajbmeb-1884	192	25	with	with	ADP
ajbmeb-1884	192	26	a	a	DET
ajbmeb-1884	192	27	-و	-و	X
ajbmeb-1884	192	28	standard	standard	ADJ
ajbmeb-1884	192	29	deviation	deviation	NOUN
ajbmeb-1884	192	30	of	of	ADP
ajbmeb-1884	192	31	(	(	PUNCT
ajbmeb-1884	192	32	1.1247	1.1247	NUM
ajbmeb-1884	192	33	)	)	PUNCT
ajbmeb-1884	192	34	,	,	PUNCT
ajbmeb-1884	192	35	which	which	PRON
ajbmeb-1884	192	36	is	be	AUX
ajbmeb-1884	192	37	greater	great	ADJ
ajbmeb-1884	192	38	than	than	ADP
ajbmeb-1884	192	39	the	the	DET
ajbmeb-1884	192	40	hypothesized	hypothesized	ADJ
ajbmeb-1884	192	41	mean	mean	NOUN
ajbmeb-1884	192	42	of	of	ADP
ajbmeb-1884	192	43	(	(	PUNCT
ajbmeb-1884	192	44	3	3	NUM
ajbmeb-1884	192	45	)	)	PUNCT
ajbmeb-1884	192	46	.	.	PUNCT
ajbmeb-1884	193	1	the	the	DET
ajbmeb-1884	193	2	table	table	NOUN
ajbmeb-1884	193	3	above	above	ADV
ajbmeb-1884	193	4	also	also	ADV
ajbmeb-1884	193	5	shows	show	VERB
ajbmeb-1884	193	6	the	the	DET
ajbmeb-1884	193	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	193	8	means	mean	NOUN
ajbmeb-1884	193	9	and	and	CCONJ
ajbmeb-1884	193	10	standard	standard	ADJ
ajbmeb-1884	193	11	deviations	deviation	NOUN
ajbmeb-1884	193	12	for	for	ADP
ajbmeb-1884	193	13	the	the	DET
ajbmeb-1884	193	14	items	item	NOUN
ajbmeb-1884	193	15	in	in	ADP
ajbmeb-1884	193	16	the	the	DET
ajbmeb-1884	193	17	committees	committee	NOUN
ajbmeb-1884	193	18	variable	variable	NOUN
ajbmeb-1884	193	19	,	,	PUNCT
ajbmeb-1884	193	20	which	which	PRON
ajbmeb-1884	193	21	are	be	AUX
ajbmeb-1884	193	22	all	all	ADV
ajbmeb-1884	193	23	greater	great	ADJ
ajbmeb-1884	193	24	than	than	ADP
ajbmeb-1884	193	25	the	the	DET
ajbmeb-1884	193	26	hypothesized	hypothesized	ADJ
ajbmeb-1884	193	27	mean	mean	NOUN
ajbmeb-1884	193	28	as	as	ADV
ajbmeb-1884	193	29	well	well	ADV
ajbmeb-1884	193	30	,	,	PUNCT
ajbmeb-1884	193	31	and	and	CCONJ
ajbmeb-1884	193	32	this	this	PRON
ajbmeb-1884	193	33	indicates	indicate	VERB
ajbmeb-1884	193	34	the	the	DET
ajbmeb-1884	193	35	research	research	NOUN
ajbmeb-1884	193	36	sample	sample	NOUN
ajbmeb-1884	193	37	’s	’s	PART
ajbmeb-1884	193	38	interest	interest	NOUN
ajbmeb-1884	193	39	in	in	ADP
ajbmeb-1884	193	40	the	the	DET
ajbmeb-1884	193	41	variable	variable	NOUN
ajbmeb-1884	193	42	of	of	ADP
ajbmeb-1884	193	43	committees	committee	NOUN
ajbmeb-1884	193	44	formed	form	VERB
ajbmeb-1884	193	45	by	by	ADP
ajbmeb-1884	193	46	the	the	DET
ajbmeb-1884	193	47	bank	bank	NOUN
ajbmeb-1884	193	48	.	.	PUNCT
ajbmeb-1884	194	1	eb	eb	PROPN
ajbmeb-1884	194	2	basic	basic	ADJ
ajbmeb-1884	194	3	functions	function	NOUN
ajbmeb-1884	194	4	)	)	PUNCT
ajbmeb-1884	194	5	table	table	NOUN
ajbmeb-1884	194	6	14	14	NUM
ajbmeb-1884	194	7	(	(	PUNCT
ajbmeb-1884	194	8	t	t	PROPN
ajbmeb-1884	194	9	paragraphs	paragraph	VERB
ajbmeb-1884	194	10	arithmeti	arithmeti	INTJ
ajbmeb-1884	194	11	c	c	AUX
ajbmeb-1884	194	12	mean	mean	VERB
ajbmeb-1884	194	13	standard	standard	ADJ
ajbmeb-1884	194	14	deviation	deviation	NOUN
ajbmeb-1884	194	15	1	1	NUM
ajbmeb-1884	194	16	directors	director	NOUN
ajbmeb-1884	194	17	analyzes	analyze	VERB
ajbmeb-1884	194	18	the	the	DET
ajbmeb-1884	194	19	strategic	strategic	ADJ
ajbmeb-1884	194	20	risks	risk	NOUN
ajbmeb-1884	194	21	represented	represent	VERB
ajbmeb-1884	194	22	by	by	ADP
ajbmeb-1884	194	23	marketsthe	marketsthe	PROPN
ajbmeb-1884	194	24	board	board	PROPN
ajbmeb-1884	194	25	of	of	ADP
ajbmeb-1884	194	26	,	,	PUNCT
ajbmeb-1884	194	27	products	product	NOUN
ajbmeb-1884	194	28	,	,	PUNCT
ajbmeb-1884	194	29	and	and	CCONJ
ajbmeb-1884	194	30	competitors	competitor	NOUN
ajbmeb-1884	194	31	.	.	PUNCT
ajbmeb-1884	195	1	4.320	4.320	NUM
ajbmeb-1884	195	2	0.8524	0.8524	NUM
ajbmeb-1884	195	3	2	2	NUM
ajbmeb-1884	195	4	the	the	DET
ajbmeb-1884	195	5	bank	bank	NOUN
ajbmeb-1884	195	6	is	be	AUX
ajbmeb-1884	195	7	committed	commit	VERB
ajbmeb-1884	195	8	to	to	ADP
ajbmeb-1884	195	9	the	the	DET
ajbmeb-1884	195	10	approved	approve	VERB
ajbmeb-1884	195	11	decisions	decision	NOUN
ajbmeb-1884	195	12	of	of	ADP
ajbmeb-1884	195	13	the	the	DET
ajbmeb-1884	195	14	monetary	monetary	ADJ
ajbmeb-1884	195	15	authority	authority	NOUN
ajbmeb-1884	195	16	regarding	regard	VERB
ajbmeb-1884	195	17	risk	risk	NOUN
ajbmeb-1884	195	18	management	management	NOUN
ajbmeb-1884	195	19	.	.	PUNCT
ajbmeb-1884	196	1	4.080	4.080	NUM
ajbmeb-1884	196	2	1.1150	1.1150	NUM
ajbmeb-1884	196	3	3	3	NUM
ajbmeb-1884	196	4	adequate	adequate	ADJ
ajbmeb-1884	196	5	measures	measure	NOUN
ajbmeb-1884	196	6	to	to	PART
ajbmeb-1884	196	7	protect	protect	VERB
ajbmeb-1884	196	8	the	the	DET
ajbmeb-1884	196	9	rights	right	NOUN
ajbmeb-1884	196	10	of	of	ADP
ajbmeb-1884	196	11	shareholdersthe	shareholdersthe	DET
ajbmeb-1884	196	12	bank	bank	NOUN
ajbmeb-1884	196	13	takes	take	VERB
ajbmeb-1884	196	14	,	,	PUNCT
ajbmeb-1884	196	15	depositors	depositor	NOUN
ajbmeb-1884	196	16	and	and	CCONJ
ajbmeb-1884	196	17	borrowers	borrower	NOUN
ajbmeb-1884	196	18	.	.	PUNCT
ajbmeb-1884	197	1	4.360	4.360	NUM
ajbmeb-1884	197	2	0.7000	0.7000	NUM
ajbmeb-1884	197	3	the	the	DET
ajbmeb-1884	197	4	total	total	ADJ
ajbmeb-1884	197	5	4.253	4.253	NUM
ajbmeb-1884	197	6	0.8892	0.8892	NUM
ajbmeb-1884	197	7	table	table	NOUN
ajbmeb-1884	197	8	(	(	PUNCT
ajbmeb-1884	197	9	10	10	NUM
ajbmeb-1884	197	10	)	)	PUNCT
ajbmeb-1884	197	11	shows	show	VERB
ajbmeb-1884	197	12	that	that	SCONJ
ajbmeb-1884	197	13	the	the	DET
ajbmeb-1884	197	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	197	15	mean	mean	NOUN
ajbmeb-1884	197	16	for	for	ADP
ajbmeb-1884	197	17	the	the	DET
ajbmeb-1884	197	18	basic	basic	ADJ
ajbmeb-1884	197	19	functions	function	NOUN
ajbmeb-1884	197	20	variable	variable	NOUN
ajbmeb-1884	197	21	reached	reach	VERB
ajbmeb-1884	197	22	(	(	PUNCT
ajbmeb-1884	197	23	4.253	4.253	NUM
ajbmeb-1884	197	24	)	)	PUNCT
ajbmeb-1884	197	25	with	with	ADP
ajbmeb-1884	197	26	a	a	DET
ajbmeb-1884	197	27	standard	standard	ADJ
ajbmeb-1884	197	28	deviation	deviation	NOUN
ajbmeb-1884	197	29	of	of	ADP
ajbmeb-1884	197	30	(	(	PUNCT
ajbmeb-1884	197	31	0.8892	0.8892	NUM
ajbmeb-1884	197	32	)	)	PUNCT
ajbmeb-1884	197	33	,	,	PUNCT
ajbmeb-1884	197	34	which	which	PRON
ajbmeb-1884	197	35	is	be	AUX
ajbmeb-1884	197	36	greater	great	ADJ
ajbmeb-1884	197	37	than	than	ADP
ajbmeb-1884	197	38	the	the	DET
ajbmeb-1884	197	39	hypothesized	hypothesized	ADJ
ajbmeb-1884	197	40	mean	mean	NOUN
ajbmeb-1884	197	41	of	of	ADP
ajbmeb-1884	197	42	(	(	PUNCT
ajbmeb-1884	197	43	3	3	NUM
ajbmeb-1884	197	44	)	)	PUNCT
ajbmeb-1884	197	45	.	.	PUNCT
ajbmeb-1884	198	1	the	the	DET
ajbmeb-1884	198	2	table	table	NOUN
ajbmeb-1884	198	3	above	above	ADV
ajbmeb-1884	198	4	also	also	ADV
ajbmeb-1884	198	5	shows	show	VERB
ajbmeb-1884	198	6	the	the	DET
ajbmeb-1884	198	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	198	8	means	mean	NOUN
ajbmeb-1884	198	9	and	and	CCONJ
ajbmeb-1884	198	10	standard	standard	ADJ
ajbmeb-1884	198	11	deviations	deviation	NOUN
ajbmeb-1884	198	12	for	for	ADP
ajbmeb-1884	198	13	the	the	DET
ajbmeb-1884	198	14	items	item	NOUN
ajbmeb-1884	198	15	in	in	ADP
ajbmeb-1884	198	16	the	the	DET
ajbmeb-1884	198	17	basic	basic	ADJ
ajbmeb-1884	198	18	functions	function	NOUN
ajbmeb-1884	198	19	variable	variable	NOUN
ajbmeb-1884	198	20	,	,	PUNCT
ajbmeb-1884	198	21	which	which	PRON
ajbmeb-1884	198	22	are	be	AUX
ajbmeb-1884	198	23	all	all	ADV
ajbmeb-1884	198	24	greater	great	ADJ
ajbmeb-1884	198	25	than	than	ADP
ajbmeb-1884	198	26	the	the	DET
ajbmeb-1884	198	27	hypothesized	hypothesized	ADJ
ajbmeb-1884	198	28	mean	mean	NOUN
ajbmeb-1884	198	29	as	as	ADV
ajbmeb-1884	198	30	well	well	ADV
ajbmeb-1884	198	31	.	.	PUNCT
ajbmeb-1884	199	1	this	this	PRON
ajbmeb-1884	199	2	it	it	PRON
ajbmeb-1884	199	3	indicates	indicate	VERB
ajbmeb-1884	199	4	the	the	DET
ajbmeb-1884	199	5	interest	interest	NOUN
ajbmeb-1884	199	6	of	of	ADP
ajbmeb-1884	199	7	the	the	DET
ajbmeb-1884	199	8	research	research	NOUN
ajbmeb-1884	199	9	sample	sample	NOUN
ajbmeb-1884	199	10	in	in	ADP
ajbmeb-1884	199	11	the	the	DET
ajbmeb-1884	199	12	variable	variable	NOUN
ajbmeb-1884	199	13	of	of	ADP
ajbmeb-1884	199	14	basic	basic	ADJ
ajbmeb-1884	199	15	jobs	job	NOUN
ajbmeb-1884	199	16	in	in	ADP
ajbmeb-1884	199	17	the	the	DET
ajbmeb-1884	199	18	bank	bank	NOUN
ajbmeb-1884	199	19	american	american	PROPN
ajbmeb-1884	199	20	journal	journal	PROPN
ajbmeb-1884	199	21	of	of	ADP
ajbmeb-1884	199	22	business	business	NOUN
ajbmeb-1884	199	23	management	management	NOUN
ajbmeb-1884	199	24	,	,	PUNCT
ajbmeb-1884	199	25	economics	economic	NOUN
ajbmeb-1884	199	26	and	and	CCONJ
ajbmeb-1884	199	27	banking	banking	NOUN
ajbmeb-1884	199	28	volume	volume	NOUN
ajbmeb-1884	199	29	21	21	NUM
ajbmeb-1884	199	30	february	february	PROPN
ajbmeb-1884	199	31	,	,	PUNCT
ajbmeb-1884	199	32	2024	2024	NUM
ajbmeb-1884	199	33	p	p	NOUN
ajbmeb-1884	199	34	a	a	DET
ajbmeb-1884	199	35	g	g	NOUN
ajbmeb-1884	199	36	e	e	NOUN
ajbmeb-1884	199	37	|	|	ADV
ajbmeb-1884	199	38	95	95	NUM
ajbmeb-1884	199	39	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	199	40	fthe	fthe	ADJ
ajbmeb-1884	199	41	financial	financial	ADJ
ajbmeb-1884	199	42	crisis	crisis	NOUN
ajbmeb-1884	199	43	)	)	PUNCT
ajbmeb-1884	199	44	table	table	NOUN
ajbmeb-1884	199	45	15	15	NUM
ajbmeb-1884	199	46	(	(	PUNCT
ajbmeb-1884	199	47	t	t	PROPN
ajbmeb-1884	199	48	paragraphs	paragraph	VERB
ajbmeb-1884	199	49	arithmet	arithmet	ADV
ajbmeb-1884	199	50	ic	ic	PRON
ajbmeb-1884	199	51	mean	mean	VERB
ajbmeb-1884	199	52	standard	standard	ADJ
ajbmeb-1884	199	53	deviation	deviation	NOUN
ajbmeb-1884	199	54	1	1	NUM
ajbmeb-1884	199	55	is	be	AUX
ajbmeb-1884	199	56	affected	affect	VERB
ajbmeb-1884	199	57	by	by	ADP
ajbmeb-1884	199	58	the	the	DET
ajbmeb-1884	199	59	financial	financial	ADJ
ajbmeb-1884	199	60	crisis	crisis	NOUN
ajbmeb-1884	199	61	as	as	SCONJ
ajbmeb-1884	199	62	it	it	PRON
ajbmeb-1884	199	63	is	be	AUX
ajbmeb-1884	199	64	part	part	NOUN
ajbmeb-1884	199	65	of	of	ADP
ajbmeb-1884	199	66	the	the	DET
ajbmeb-1884	199	67	globalthe	globalthe	PROPN
ajbmeb-1884	199	68	bank	bank	PROPN
ajbmeb-1884	199	69	banking	banking	NOUN
ajbmeb-1884	199	70	system	system	NOUN
ajbmeb-1884	199	71	4.440	4.440	NUM
ajbmeb-1884	199	72	0.6506	0.6506	NUM
ajbmeb-1884	199	73	2	2	NUM
ajbmeb-1884	199	74	the	the	DET
ajbmeb-1884	199	75	financial	financial	ADJ
ajbmeb-1884	199	76	crisis	crisis	NOUN
ajbmeb-1884	199	77	affects	affect	VERB
ajbmeb-1884	199	78	the	the	DET
ajbmeb-1884	199	79	investment	investment	NOUN
ajbmeb-1884	199	80	policy	policy	NOUN
ajbmeb-1884	199	81	followed	follow	VERB
ajbmeb-1884	199	82	by	by	ADP
ajbmeb-1884	199	83	the	the	DET
ajbmeb-1884	199	84	bank	bank	NOUN
ajbmeb-1884	199	85	.	.	PUNCT
ajbmeb-1884	200	1	3.640	3.640	NUM
ajbmeb-1884	200	2	1.1860	1.1860	NUM
ajbmeb-1884	200	3	3	3	NUM
ajbmeb-1884	200	4	effects	effect	NOUN
ajbmeb-1884	200	5	thatthe	thatthe	NOUN
ajbmeb-1884	200	6	bank	bank	NOUN
ajbmeb-1884	200	7	takes	take	VERB
ajbmeb-1884	200	8	necessary	necessary	ADJ
ajbmeb-1884	200	9	measures	measure	NOUN
ajbmeb-1884	200	10	to	to	PART
ajbmeb-1884	200	11	confront	confront	VERB
ajbmeb-1884	200	12	or	or	CCONJ
ajbmeb-1884	200	13	limit	limit	VERB
ajbmeb-1884	200	14	the	the	DET
ajbmeb-1884	200	15	arise	arise	NOUN
ajbmeb-1884	200	16	from	from	ADP
ajbmeb-1884	200	17	financial	financial	ADJ
ajbmeb-1884	200	18	and	and	CCONJ
ajbmeb-1884	200	19	economic	economic	ADJ
ajbmeb-1884	200	20	crises	crisis	NOUN
ajbmeb-1884	200	21	.	.	PUNCT
ajbmeb-1884	201	1	4.080	4.080	NUM
ajbmeb-1884	201	2	1.0770	1.0770	NUM
ajbmeb-1884	201	3	the	the	DET
ajbmeb-1884	201	4	total	total	ADJ
ajbmeb-1884	201	5	4.053	4.053	NUM
ajbmeb-1884	201	6	0.9712	0.9712	NUM
ajbmeb-1884	201	7	table	table	NOUN
ajbmeb-1884	201	8	(	(	PUNCT
ajbmeb-1884	201	9	15	15	NUM
ajbmeb-1884	201	10	)	)	PUNCT
ajbmeb-1884	201	11	shows	show	VERB
ajbmeb-1884	201	12	that	that	SCONJ
ajbmeb-1884	201	13	the	the	DET
ajbmeb-1884	201	14	arithmetic	arithmetic	ADJ
ajbmeb-1884	201	15	mean	mean	NOUN
ajbmeb-1884	201	16	for	for	SCONJ
ajbmeb-1884	201	17	the	the	DET
ajbmeb-1884	201	18	financial	financial	ADJ
ajbmeb-1884	201	19	crisis	crisis	NOUN
ajbmeb-1884	201	20	variable	variable	NOUN
ajbmeb-1884	201	21	reached	reach	VERB
ajbmeb-1884	201	22	(	(	PUNCT
ajbmeb-1884	201	23	4.053	4.053	NUM
ajbmeb-1884	201	24	)	)	PUNCT
ajbmeb-1884	201	25	with	with	ADP
ajbmeb-1884	201	26	a	a	DET
ajbmeb-1884	201	27	standard	standard	ADJ
ajbmeb-1884	201	28	deviation	deviation	NOUN
ajbmeb-1884	201	29	of	of	ADP
ajbmeb-1884	201	30	(	(	PUNCT
ajbmeb-1884	201	31	0.9712	0.9712	NUM
ajbmeb-1884	201	32	)	)	PUNCT
ajbmeb-1884	201	33	,	,	PUNCT
ajbmeb-1884	201	34	which	which	PRON
ajbmeb-1884	201	35	is	be	AUX
ajbmeb-1884	201	36	greater	great	ADJ
ajbmeb-1884	201	37	than	than	ADP
ajbmeb-1884	201	38	the	the	DET
ajbmeb-1884	201	39	hypothesized	hypothesized	ADJ
ajbmeb-1884	201	40	mean	mean	NOUN
ajbmeb-1884	201	41	of	of	ADP
ajbmeb-1884	201	42	(	(	PUNCT
ajbmeb-1884	201	43	3	3	NUM
ajbmeb-1884	201	44	)	)	PUNCT
ajbmeb-1884	201	45	.	.	PUNCT
ajbmeb-1884	202	1	the	the	DET
ajbmeb-1884	202	2	above	above	ADJ
ajbmeb-1884	202	3	table	table	NOUN
ajbmeb-1884	202	4	also	also	ADV
ajbmeb-1884	202	5	shows	show	VERB
ajbmeb-1884	202	6	the	the	DET
ajbmeb-1884	202	7	arithmetic	arithmetic	ADJ
ajbmeb-1884	202	8	means	mean	NOUN
ajbmeb-1884	202	9	and	and	CCONJ
ajbmeb-1884	202	10	standard	standard	ADJ
ajbmeb-1884	202	11	deviations	deviation	NOUN
ajbmeb-1884	202	12	for	for	ADP
ajbmeb-1884	202	13	the	the	DET
ajbmeb-1884	202	14	items	item	NOUN
ajbmeb-1884	202	15	in	in	ADP
ajbmeb-1884	202	16	the	the	DET
ajbmeb-1884	202	17	financial	financial	ADJ
ajbmeb-1884	202	18	crisis	crisis	NOUN
ajbmeb-1884	202	19	variable	variable	NOUN
ajbmeb-1884	202	20	,	,	PUNCT
ajbmeb-1884	202	21	which	which	PRON
ajbmeb-1884	202	22	are	be	AUX
ajbmeb-1884	202	23	all	all	ADV
ajbmeb-1884	202	24	greater	great	ADJ
ajbmeb-1884	202	25	than	than	ADP
ajbmeb-1884	202	26	the	the	DET
ajbmeb-1884	202	27	hypothesized	hypothesized	ADJ
ajbmeb-1884	202	28	mean	mean	NOUN
ajbmeb-1884	202	29	as	as	ADV
ajbmeb-1884	202	30	well	well	ADV
ajbmeb-1884	202	31	.	.	PUNCT
ajbmeb-1884	203	1	this	this	PRON
ajbmeb-1884	203	2	it	it	PRON
ajbmeb-1884	203	3	indicates	indicate	VERB
ajbmeb-1884	203	4	the	the	DET
ajbmeb-1884	203	5	interest	interest	NOUN
ajbmeb-1884	203	6	of	of	ADP
ajbmeb-1884	203	7	the	the	DET
ajbmeb-1884	203	8	research	research	NOUN
ajbmeb-1884	203	9	sample	sample	NOUN
ajbmeb-1884	203	10	in	in	ADP
ajbmeb-1884	203	11	the	the	DET
ajbmeb-1884	203	12	variable	variable	NOUN
ajbmeb-1884	203	13	of	of	ADP
ajbmeb-1884	203	14	the	the	DET
ajbmeb-1884	203	15	financial	financial	ADJ
ajbmeb-1884	203	16	crisis	crisis	NOUN
ajbmeb-1884	203	17	facing	face	VERB
ajbmeb-1884	203	18	the	the	DET
ajbmeb-1884	203	19	bank	bank	NOUN
ajbmeb-1884	203	20	and	and	CCONJ
ajbmeb-1884	203	21	the	the	DET
ajbmeb-1884	203	22	rest	rest	NOUN
ajbmeb-1884	203	23	of	of	ADP
ajbmeb-1884	203	24	its	its	PRON
ajbmeb-1884	203	25	subparagraphs	subparagraph	NOUN
ajbmeb-1884	203	26	.	.	PUNCT
ajbmeb-1884	204	1	accordingly	accordingly	ADV
ajbmeb-1884	204	2	,	,	PUNCT
ajbmeb-1884	204	3	it	it	PRON
ajbmeb-1884	204	4	can	can	AUX
ajbmeb-1884	204	5	be	be	AUX
ajbmeb-1884	204	6	said	say	VERB
ajbmeb-1884	204	7	that	that	SCONJ
ajbmeb-1884	204	8	the	the	DET
ajbmeb-1884	204	9	second	second	ADJ
ajbmeb-1884	204	10	main	main	ADJ
ajbmeb-1884	204	11	hypothesis	hypothesis	NOUN
ajbmeb-1884	204	12	,	,	PUNCT
ajbmeb-1884	204	13	which	which	PRON
ajbmeb-1884	204	14	states	state	VERB
ajbmeb-1884	204	15	that	that	SCONJ
ajbmeb-1884	204	16	(	(	PUNCT
ajbmeb-1884	204	17	the	the	DET
ajbmeb-1884	204	18	interest	interest	NOUN
ajbmeb-1884	204	19	of	of	ADP
ajbmeb-1884	204	20	the	the	DET
ajbmeb-1884	204	21	bank	bank	NOUN
ajbmeb-1884	204	22	’s	’s	PART
ajbmeb-1884	204	23	employees	employee	NOUN
ajbmeb-1884	204	24	in	in	ADP
ajbmeb-1884	204	25	governance	governance	NOUN
ajbmeb-1884	204	26	standards	standard	NOUN
ajbmeb-1884	204	27	represented	represent	VERB
ajbmeb-1884	204	28	by	by	ADP
ajbmeb-1884	204	29	(	(	PUNCT
ajbmeb-1884	204	30	secretariat	secretariat	PROPN
ajbmeb-1884	204	31	,	,	PUNCT
ajbmeb-1884	204	32	general	general	ADJ
ajbmeb-1884	204	33	policy	policy	NOUN
ajbmeb-1884	204	34	,	,	PUNCT
ajbmeb-1884	204	35	monitoring	monitor	VERB
ajbmeb-1884	204	36	the	the	DET
ajbmeb-1884	204	37	progress	progress	NOUN
ajbmeb-1884	204	38	of	of	ADP
ajbmeb-1884	204	39	work	work	NOUN
ajbmeb-1884	204	40	in	in	ADP
ajbmeb-1884	204	41	the	the	DET
ajbmeb-1884	204	42	bank	bank	NOUN
ajbmeb-1884	204	43	,	,	PUNCT
ajbmeb-1884	204	44	compensation	compensation	NOUN
ajbmeb-1884	204	45	,	,	PUNCT
ajbmeb-1884	204	46	committees	committee	NOUN
ajbmeb-1884	204	47	,	,	PUNCT
ajbmeb-1884	204	48	and	and	CCONJ
ajbmeb-1884	204	49	the	the	DET
ajbmeb-1884	204	50	basic	basic	ADJ
ajbmeb-1884	204	51	functions	function	NOUN
ajbmeb-1884	204	52	of	of	ADP
ajbmeb-1884	204	53	the	the	DET
ajbmeb-1884	204	54	board	board	NOUN
ajbmeb-1884	204	55	)	)	PUNCT
ajbmeb-1884	204	56	(	(	PUNCT
ajbmeb-1884	204	57	this	this	PRON
ajbmeb-1884	204	58	would	would	AUX
ajbmeb-1884	204	59	preserve	preserve	VERB
ajbmeb-1884	204	60	the	the	DET
ajbmeb-1884	204	61	rights	right	NOUN
ajbmeb-1884	204	62	of	of	ADP
ajbmeb-1884	204	63	shareholders	shareholder	NOUN
ajbmeb-1884	204	64	in	in	ADP
ajbmeb-1884	204	65	the	the	DET
ajbmeb-1884	204	66	bank	bank	NOUN
ajbmeb-1884	204	67	and	and	CCONJ
ajbmeb-1884	204	68	avoid	avoid	VERB
ajbmeb-1884	204	69	the	the	DET
ajbmeb-1884	204	70	financial	financial	ADJ
ajbmeb-1884	204	71	crisis	crisis	NOUN
ajbmeb-1884	204	72	)	)	PUNCT
ajbmeb-1884	204	73	had	have	AUX
ajbmeb-1884	204	74	been	be	AUX
ajbmeb-1884	204	75	accepted	accept	VERB
ajbmeb-1884	204	76	.	.	PUNCT
ajbmeb-1884	205	1	conclusions	conclusion	NOUN
ajbmeb-1884	205	2	the	the	DET
ajbmeb-1884	205	3	research	research	NOUN
ajbmeb-1884	205	4	reached	reach	VERB
ajbmeb-1884	205	5	a	a	DET
ajbmeb-1884	205	6	set	set	NOUN
ajbmeb-1884	205	7	of	of	ADP
ajbmeb-1884	205	8	conclusions	conclusion	NOUN
ajbmeb-1884	205	9	,	,	PUNCT
ajbmeb-1884	205	10	which	which	PRON
ajbmeb-1884	205	11	are	be	AUX
ajbmeb-1884	205	12	as	as	SCONJ
ajbmeb-1884	205	13	follows	follow	VERB
ajbmeb-1884	205	14	:	:	PUNCT
ajbmeb-1884	205	15	1the	1the	PRON
ajbmeb-1884	205	16	results	result	NOUN
ajbmeb-1884	205	17	of	of	ADP
ajbmeb-1884	205	18	the	the	DET
ajbmeb-1884	205	19	research	research	NOUN
ajbmeb-1884	205	20	showed	show	VERB
ajbmeb-1884	205	21	that	that	SCONJ
ajbmeb-1884	205	22	there	there	PRON
ajbmeb-1884	205	23	is	be	VERB
ajbmeb-1884	205	24	a	a	DET
ajbmeb-1884	205	25	clear	clear	ADJ
ajbmeb-1884	205	26	interest	interest	NOUN
ajbmeb-1884	205	27	on	on	ADP
ajbmeb-1884	205	28	the	the	DET
ajbmeb-1884	205	29	part	part	NOUN
ajbmeb-1884	205	30	of	of	ADP
ajbmeb-1884	205	31	the	the	DET
ajbmeb-1884	205	32	iraqi	iraqi	ADJ
ajbmeb-1884	205	33	middle	middle	PROPN
ajbmeb-1884	205	34	east	east	PROPN
ajbmeb-1884	205	35	bank	bank	PROPN
ajbmeb-1884	205	36	to	to	PART
ajbmeb-1884	205	37	invest	invest	VERB
ajbmeb-1884	205	38	in	in	ADP
ajbmeb-1884	205	39	applying	apply	VERB
ajbmeb-1884	205	40	the	the	DET
ajbmeb-1884	205	41	foundations	foundation	NOUN
ajbmeb-1884	205	42	,	,	PUNCT
ajbmeb-1884	205	43	principles	principle	NOUN
ajbmeb-1884	205	44	and	and	CCONJ
ajbmeb-1884	205	45	standards	standard	NOUN
ajbmeb-1884	205	46	of	of	ADP
ajbmeb-1884	205	47	governance	governance	NOUN
ajbmeb-1884	205	48	because	because	SCONJ
ajbmeb-1884	205	49	of	of	ADP
ajbmeb-1884	205	50	its	its	PRON
ajbmeb-1884	205	51	guarantee	guarantee	NOUN
ajbmeb-1884	205	52	of	of	ADP
ajbmeb-1884	205	53	transparency	transparency	NOUN
ajbmeb-1884	205	54	.	.	PUNCT
ajbmeb-1884	206	1	2the	2the	DET
ajbmeb-1884	206	2	work	work	NOUN
ajbmeb-1884	206	3	requires	require	VERB
ajbmeb-1884	206	4	the	the	DET
ajbmeb-1884	206	5	existence	existence	NOUN
ajbmeb-1884	206	6	of	of	ADP
ajbmeb-1884	206	7	standards	standard	NOUN
ajbmeb-1884	206	8	for	for	ADP
ajbmeb-1884	206	9	membership	membership	NOUN
ajbmeb-1884	206	10	of	of	ADP
ajbmeb-1884	206	11	the	the	DET
ajbmeb-1884	206	12	board	board	NOUN
ajbmeb-1884	206	13	of	of	ADP
ajbmeb-1884	206	14	directors	director	NOUN
ajbmeb-1884	206	15	that	that	PRON
ajbmeb-1884	206	16	are	be	AUX
ajbmeb-1884	206	17	characterized	characterize	VERB
ajbmeb-1884	206	18	by	by	ADP
ajbmeb-1884	206	19	transparency	transparency	NOUN
ajbmeb-1884	206	20	and	and	CCONJ
ajbmeb-1884	206	21	focused	focus	VERB
ajbmeb-1884	206	22	on	on	ADP
ajbmeb-1884	206	23	integrity	integrity	NOUN
ajbmeb-1884	206	24	and	and	CCONJ
ajbmeb-1884	206	25	achieving	achieve	VERB
ajbmeb-1884	206	26	the	the	DET
ajbmeb-1884	206	27	results	result	NOUN
ajbmeb-1884	206	28	that	that	PRON
ajbmeb-1884	206	29	the	the	DET
ajbmeb-1884	206	30	bank	bank	NOUN
ajbmeb-1884	206	31	seeks	seek	VERB
ajbmeb-1884	206	32	.	.	PUNCT
ajbmeb-1884	207	1	3there	3there	NUM
ajbmeb-1884	207	2	is	be	AUX
ajbmeb-1884	207	3	a	a	DET
ajbmeb-1884	207	4	diversity	diversity	NOUN
ajbmeb-1884	207	5	of	of	ADP
ajbmeb-1884	207	6	scientific	scientific	ADJ
ajbmeb-1884	207	7	and	and	CCONJ
ajbmeb-1884	207	8	practical	practical	ADJ
ajbmeb-1884	207	9	experiences	experience	NOUN
ajbmeb-1884	207	10	of	of	ADP
ajbmeb-1884	207	11	board	board	NOUN
ajbmeb-1884	207	12	members	member	NOUN
ajbmeb-1884	207	13	,	,	PUNCT
ajbmeb-1884	207	14	which	which	PRON
ajbmeb-1884	207	15	play	play	VERB
ajbmeb-1884	207	16	a	a	DET
ajbmeb-1884	207	17	role	role	NOUN
ajbmeb-1884	207	18	in	in	ADP
ajbmeb-1884	207	19	achieving	achieve	VERB
ajbmeb-1884	207	20	the	the	DET
ajbmeb-1884	207	21	bank	bank	NOUN
ajbmeb-1884	207	22	’s	’s	PART
ajbmeb-1884	207	23	strategic	strategic	ADJ
ajbmeb-1884	207	24	objectives	objective	NOUN
ajbmeb-1884	207	25	and	and	CCONJ
ajbmeb-1884	207	26	making	make	VERB
ajbmeb-1884	207	27	appropriate	appropriate	ADJ
ajbmeb-1884	207	28	financial	financial	ADJ
ajbmeb-1884	207	29	decisions	decision	NOUN
ajbmeb-1884	207	30	.	.	PUNCT
ajbmeb-1884	208	1	4monitoring	4monitore	VERB
ajbmeb-1884	208	2	the	the	DET
ajbmeb-1884	208	3	workflow	workflow	NOUN
ajbmeb-1884	208	4	requires	require	VERB
ajbmeb-1884	208	5	the	the	DET
ajbmeb-1884	208	6	application	application	NOUN
ajbmeb-1884	208	7	of	of	ADP
ajbmeb-1884	208	8	good	good	ADJ
ajbmeb-1884	208	9	banking	banking	NOUN
ajbmeb-1884	208	10	governance	governance	NOUN
ajbmeb-1884	208	11	,	,	PUNCT
ajbmeb-1884	208	12	as	as	SCONJ
ajbmeb-1884	208	13	this	this	PRON
ajbmeb-1884	208	14	falls	fall	VERB
ajbmeb-1884	208	15	within	within	ADP
ajbmeb-1884	208	16	the	the	DET
ajbmeb-1884	208	17	bank	bank	NOUN
ajbmeb-1884	208	18	’s	’s	PART
ajbmeb-1884	208	19	primary	primary	ADJ
ajbmeb-1884	208	20	responsibilities	responsibility	NOUN
ajbmeb-1884	208	21	.	.	PUNCT
ajbmeb-1884	209	1	5the	5the	PRON
ajbmeb-1884	209	2	system	system	NOUN
ajbmeb-1884	209	3	of	of	ADP
ajbmeb-1884	209	4	rewards	reward	NOUN
ajbmeb-1884	209	5	and	and	CCONJ
ajbmeb-1884	209	6	incentives	incentive	NOUN
ajbmeb-1884	209	7	granted	grant	VERB
ajbmeb-1884	209	8	to	to	ADP
ajbmeb-1884	209	9	members	member	NOUN
ajbmeb-1884	209	10	of	of	ADP
ajbmeb-1884	209	11	senior	senior	ADJ
ajbmeb-1884	209	12	management	management	NOUN
ajbmeb-1884	209	13	and	and	CCONJ
ajbmeb-1884	209	14	employees	employee	NOUN
ajbmeb-1884	209	15	meets	meet	VERB
ajbmeb-1884	209	16	their	their	PRON
ajbmeb-1884	209	17	needs	need	NOUN
ajbmeb-1884	209	18	and	and	CCONJ
ajbmeb-1884	209	19	matches	match	VERB
ajbmeb-1884	209	20	the	the	DET
ajbmeb-1884	209	21	distinguished	distinguished	ADJ
ajbmeb-1884	209	22	performance	performance	NOUN
ajbmeb-1884	209	23	of	of	ADP
ajbmeb-1884	209	24	those	those	PRON
ajbmeb-1884	209	25	entitled	entitle	VERB
ajbmeb-1884	209	26	to	to	ADP
ajbmeb-1884	209	27	them	they	PRON
ajbmeb-1884	209	28	.	.	PUNCT
ajbmeb-1884	210	1	6the	6the	DET
ajbmeb-1884	210	2	bank	bank	NOUN
ajbmeb-1884	210	3	operates	operate	VERB
ajbmeb-1884	210	4	internal	internal	ADJ
ajbmeb-1884	210	5	and	and	CCONJ
ajbmeb-1884	210	6	external	external	ADJ
ajbmeb-1884	210	7	audit	audit	NOUN
ajbmeb-1884	210	8	committees	committee	NOUN
ajbmeb-1884	210	9	and	and	CCONJ
ajbmeb-1884	210	10	performance	performance	NOUN
ajbmeb-1884	210	11	evaluation	evaluation	NOUN
ajbmeb-1884	210	12	committees	committee	NOUN
ajbmeb-1884	210	13	that	that	PRON
ajbmeb-1884	210	14	work	work	VERB
ajbmeb-1884	210	15	efficiently	efficiently	ADV
ajbmeb-1884	210	16	and	and	CCONJ
ajbmeb-1884	210	17	actively	actively	ADV
ajbmeb-1884	210	18	,	,	PUNCT
ajbmeb-1884	210	19	and	and	CCONJ
ajbmeb-1884	210	20	their	their	PRON
ajbmeb-1884	210	21	duties	duty	NOUN
ajbmeb-1884	210	22	include	include	VERB
ajbmeb-1884	210	23	auditing	audit	VERB
ajbmeb-1884	210	24	credit	credit	NOUN
ajbmeb-1884	210	25	transactions	transaction	NOUN
ajbmeb-1884	210	26	and	and	CCONJ
ajbmeb-1884	210	27	banking	banking	NOUN
ajbmeb-1884	210	28	facilities	facility	NOUN
ajbmeb-1884	210	29	.	.	PUNCT
ajbmeb-1884	211	1	7the	7the	NUM
ajbmeb-1884	211	2	bank	bank	NOUN
ajbmeb-1884	211	3	has	have	VERB
ajbmeb-1884	211	4	a	a	DET
ajbmeb-1884	211	5	risk	risk	NOUN
ajbmeb-1884	211	6	management	management	NOUN
ajbmeb-1884	211	7	and	and	CCONJ
ajbmeb-1884	211	8	strategy	strategy	NOUN
ajbmeb-1884	211	9	formulation	formulation	NOUN
ajbmeb-1884	211	10	department	department	NOUN
ajbmeb-1884	211	11	that	that	PRON
ajbmeb-1884	211	12	is	be	AUX
ajbmeb-1884	211	13	important	important	ADJ
ajbmeb-1884	211	14	in	in	ADP
ajbmeb-1884	211	15	developing	develop	VERB
ajbmeb-1884	211	16	plans	plan	NOUN
ajbmeb-1884	211	17	and	and	CCONJ
ajbmeb-1884	211	18	programs	program	NOUN
ajbmeb-1884	211	19	that	that	PRON
ajbmeb-1884	211	20	advance	advance	VERB
ajbmeb-1884	211	21	the	the	DET
ajbmeb-1884	211	22	bank	bank	NOUN
ajbmeb-1884	211	23	’s	’s	PART
ajbmeb-1884	211	24	work	work	NOUN
ajbmeb-1884	211	25	.	.	PUNCT
ajbmeb-1884	212	1	american	american	ADJ
ajbmeb-1884	212	2	journal	journal	PROPN
ajbmeb-1884	212	3	of	of	ADP
ajbmeb-1884	212	4	business	business	NOUN
ajbmeb-1884	212	5	management	management	NOUN
ajbmeb-1884	212	6	,	,	PUNCT
ajbmeb-1884	212	7	economics	economic	NOUN
ajbmeb-1884	212	8	and	and	CCONJ
ajbmeb-1884	212	9	banking	banking	NOUN
ajbmeb-1884	212	10	volume	volume	NOUN
ajbmeb-1884	212	11	21	21	NUM
ajbmeb-1884	212	12	february	february	PROPN
ajbmeb-1884	212	13	,	,	PUNCT
ajbmeb-1884	212	14	2024	2024	NUM
ajbmeb-1884	212	15	p	p	NOUN
ajbmeb-1884	212	16	a	a	PRON
ajbmeb-1884	212	17	g	g	NOUN
ajbmeb-1884	212	18	e	e	PROPN
ajbmeb-1884	212	19	|	|	ADV
ajbmeb-1884	212	20	96	96	NUM
ajbmeb-1884	212	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	212	22	8facts	8facts	NUM
ajbmeb-1884	212	23	have	have	AUX
ajbmeb-1884	212	24	been	be	AUX
ajbmeb-1884	212	25	proven	prove	VERB
ajbmeb-1884	212	26	,	,	PUNCT
ajbmeb-1884	212	27	the	the	DET
ajbmeb-1884	212	28	most	most	ADV
ajbmeb-1884	212	29	important	important	ADJ
ajbmeb-1884	212	30	of	of	ADP
ajbmeb-1884	212	31	which	which	PRON
ajbmeb-1884	212	32	is	be	AUX
ajbmeb-1884	212	33	that	that	SCONJ
ajbmeb-1884	212	34	banks	bank	NOUN
ajbmeb-1884	212	35	have	have	AUX
ajbmeb-1884	212	36	shifted	shift	VERB
ajbmeb-1884	212	37	to	to	ADP
ajbmeb-1884	212	38	performing	perform	VERB
ajbmeb-1884	212	39	all	all	DET
ajbmeb-1884	212	40	financial	financial	ADJ
ajbmeb-1884	212	41	activities	activity	NOUN
ajbmeb-1884	212	42	,	,	PUNCT
ajbmeb-1884	212	43	including	include	VERB
ajbmeb-1884	212	44	lending	lending	NOUN
ajbmeb-1884	212	45	,	,	PUNCT
ajbmeb-1884	212	46	buying	buying	NOUN
ajbmeb-1884	212	47	and	and	CCONJ
ajbmeb-1884	212	48	selling	selling	NOUN
ajbmeb-1884	212	49	,	,	PUNCT
ajbmeb-1884	212	50	for	for	ADP
ajbmeb-1884	212	51	the	the	DET
ajbmeb-1884	212	52	purpose	purpose	NOUN
ajbmeb-1884	212	53	of	of	ADP
ajbmeb-1884	212	54	profit	profit	NOUN
ajbmeb-1884	212	55	,	,	PUNCT
ajbmeb-1884	212	56	and	and	CCONJ
ajbmeb-1884	212	57	have	have	AUX
ajbmeb-1884	212	58	abandoned	abandon	VERB
ajbmeb-1884	212	59	their	their	PRON
ajbmeb-1884	212	60	basic	basic	ADJ
ajbmeb-1884	212	61	activities	activity	NOUN
ajbmeb-1884	212	62	,	,	PUNCT
ajbmeb-1884	212	63	which	which	PRON
ajbmeb-1884	212	64	exposes	expose	VERB
ajbmeb-1884	212	65	them	they	PRON
ajbmeb-1884	212	66	to	to	ADP
ajbmeb-1884	212	67	financial	financial	ADJ
ajbmeb-1884	212	68	and	and	CCONJ
ajbmeb-1884	212	69	economic	economic	ADJ
ajbmeb-1884	212	70	crises	crisis	NOUN
ajbmeb-1884	212	71	.	.	PUNCT
ajbmeb-1884	213	1	recommendations	recommendation	NOUN
ajbmeb-1884	213	2	1it	1it	NOUN
ajbmeb-1884	213	3	is	be	AUX
ajbmeb-1884	213	4	necessary	necessary	ADJ
ajbmeb-1884	213	5	to	to	PART
ajbmeb-1884	213	6	strengthen	strengthen	VERB
ajbmeb-1884	213	7	the	the	DET
ajbmeb-1884	213	8	work	work	NOUN
ajbmeb-1884	213	9	of	of	ADP
ajbmeb-1884	213	10	the	the	DET
ajbmeb-1884	213	11	compliance	compliance	NOUN
ajbmeb-1884	213	12	department	department	NOUN
ajbmeb-1884	213	13	,	,	PUNCT
ajbmeb-1884	213	14	which	which	PRON
ajbmeb-1884	213	15	undertakes	undertake	VERB
ajbmeb-1884	213	16	to	to	PART
ajbmeb-1884	213	17	monitor	monitor	VERB
ajbmeb-1884	213	18	the	the	DET
ajbmeb-1884	213	19	bank	bank	NOUN
ajbmeb-1884	213	20	’s	’s	PART
ajbmeb-1884	213	21	implementation	implementation	NOUN
ajbmeb-1884	213	22	of	of	ADP
ajbmeb-1884	213	23	the	the	DET
ajbmeb-1884	213	24	foundations	foundation	NOUN
ajbmeb-1884	213	25	,	,	PUNCT
ajbmeb-1884	213	26	principles	principle	NOUN
ajbmeb-1884	213	27	and	and	CCONJ
ajbmeb-1884	213	28	standards	standard	NOUN
ajbmeb-1884	213	29	of	of	ADP
ajbmeb-1884	213	30	governance	governance	NOUN
ajbmeb-1884	213	31	,	,	PUNCT
ajbmeb-1884	213	32	as	as	SCONJ
ajbmeb-1884	213	33	they	they	PRON
ajbmeb-1884	213	34	are	be	AUX
ajbmeb-1884	213	35	the	the	DET
ajbmeb-1884	213	36	basic	basic	ADJ
ajbmeb-1884	213	37	guarantee	guarantee	NOUN
ajbmeb-1884	213	38	of	of	ADP
ajbmeb-1884	213	39	the	the	DET
ajbmeb-1884	213	40	bank	bank	NOUN
ajbmeb-1884	213	41	’s	’s	PART
ajbmeb-1884	213	42	success	success	NOUN
ajbmeb-1884	213	43	.	.	PUNCT
ajbmeb-1884	214	1	2it	2it	NOUN
ajbmeb-1884	214	2	is	be	AUX
ajbmeb-1884	214	3	necessary	necessary	ADJ
ajbmeb-1884	214	4	to	to	PART
ajbmeb-1884	214	5	develop	develop	VERB
ajbmeb-1884	214	6	a	a	DET
ajbmeb-1884	214	7	work	work	NOUN
ajbmeb-1884	214	8	guide	guide	NOUN
ajbmeb-1884	214	9	,	,	PUNCT
ajbmeb-1884	214	10	standards	standard	NOUN
ajbmeb-1884	214	11	for	for	ADP
ajbmeb-1884	214	12	job	job	NOUN
ajbmeb-1884	214	13	behavior	behavior	NOUN
ajbmeb-1884	214	14	,	,	PUNCT
ajbmeb-1884	214	15	and	and	CCONJ
ajbmeb-1884	214	16	a	a	DET
ajbmeb-1884	214	17	system	system	NOUN
ajbmeb-1884	214	18	to	to	PART
ajbmeb-1884	214	19	measure	measure	VERB
ajbmeb-1884	214	20	the	the	DET
ajbmeb-1884	214	21	extent	extent	NOUN
ajbmeb-1884	214	22	of	of	ADP
ajbmeb-1884	214	23	adherence	adherence	NOUN
ajbmeb-1884	214	24	to	to	ADP
ajbmeb-1884	214	25	it	it	PRON
ajbmeb-1884	214	26	by	by	ADP
ajbmeb-1884	214	27	the	the	DET
ajbmeb-1884	214	28	various	various	ADJ
ajbmeb-1884	214	29	administrative	administrative	ADJ
ajbmeb-1884	214	30	levels	level	NOUN
ajbmeb-1884	214	31	and	and	CCONJ
ajbmeb-1884	214	32	all	all	DET
ajbmeb-1884	214	33	employees	employee	NOUN
ajbmeb-1884	214	34	therein	therein	ADV
ajbmeb-1884	214	35	.	.	PUNCT
ajbmeb-1884	215	1	3emphasis	3emphasis	NUM
ajbmeb-1884	215	2	on	on	ADP
ajbmeb-1884	215	3	developing	develop	VERB
ajbmeb-1884	215	4	detailed	detailed	ADJ
ajbmeb-1884	215	5	plans	plan	NOUN
ajbmeb-1884	215	6	in	in	ADP
ajbmeb-1884	215	7	the	the	DET
ajbmeb-1884	215	8	form	form	NOUN
ajbmeb-1884	215	9	of	of	ADP
ajbmeb-1884	215	10	regulations	regulation	NOUN
ajbmeb-1884	215	11	and	and	CCONJ
ajbmeb-1884	215	12	instructions	instruction	NOUN
ajbmeb-1884	215	13	for	for	ADP
ajbmeb-1884	215	14	each	each	DET
ajbmeb-1884	215	15	department	department	NOUN
ajbmeb-1884	215	16	in	in	ADP
ajbmeb-1884	215	17	order	order	NOUN
ajbmeb-1884	215	18	to	to	PART
ajbmeb-1884	215	19	implement	implement	VERB
ajbmeb-1884	215	20	and	and	CCONJ
ajbmeb-1884	215	21	monitor	monitor	VERB
ajbmeb-1884	215	22	it	it	PRON
ajbmeb-1884	215	23	.	.	PUNCT
ajbmeb-1884	216	1	4attention	4attention	NOUN
ajbmeb-1884	216	2	is	be	AUX
ajbmeb-1884	216	3	given	give	VERB
ajbmeb-1884	216	4	to	to	ADP
ajbmeb-1884	216	5	finding	find	VERB
ajbmeb-1884	216	6	multiple	multiple	ADJ
ajbmeb-1884	216	7	means	mean	NOUN
ajbmeb-1884	216	8	to	to	PART
ajbmeb-1884	216	9	monitor	monitor	VERB
ajbmeb-1884	216	10	the	the	DET
ajbmeb-1884	216	11	workflow	workflow	NOUN
ajbmeb-1884	216	12	to	to	PART
ajbmeb-1884	216	13	ensure	ensure	VERB
ajbmeb-1884	216	14	the	the	DET
ajbmeb-1884	216	15	efficiency	efficiency	NOUN
ajbmeb-1884	216	16	of	of	ADP
ajbmeb-1884	216	17	work	work	NOUN
ajbmeb-1884	216	18	in	in	ADP
ajbmeb-1884	216	19	the	the	DET
ajbmeb-1884	216	20	bank	bank	NOUN
ajbmeb-1884	216	21	and	and	CCONJ
ajbmeb-1884	216	22	to	to	PART
ajbmeb-1884	216	23	enhance	enhance	VERB
ajbmeb-1884	216	24	the	the	DET
ajbmeb-1884	216	25	role	role	NOUN
ajbmeb-1884	216	26	of	of	ADP
ajbmeb-1884	216	27	institutional	institutional	ADJ
ajbmeb-1884	216	28	governance	governance	NOUN
ajbmeb-1884	216	29	.	.	PUNCT
ajbmeb-1884	217	1	5providing	5provide	VERB
ajbmeb-1884	217	2	financial	financial	ADJ
ajbmeb-1884	217	3	and	and	CCONJ
ajbmeb-1884	217	4	administrative	administrative	ADJ
ajbmeb-1884	217	5	incentives	incentive	NOUN
ajbmeb-1884	217	6	to	to	ADP
ajbmeb-1884	217	7	senior	senior	ADJ
ajbmeb-1884	217	8	management	management	NOUN
ajbmeb-1884	217	9	in	in	ADP
ajbmeb-1884	217	10	an	an	DET
ajbmeb-1884	217	11	appropriate	appropriate	ADJ
ajbmeb-1884	217	12	manner	manner	NOUN
ajbmeb-1884	217	13	and	and	CCONJ
ajbmeb-1884	217	14	also	also	ADV
ajbmeb-1884	217	15	to	to	ADP
ajbmeb-1884	217	16	employees	employee	NOUN
ajbmeb-1884	217	17	,	,	PUNCT
ajbmeb-1884	217	18	whether	whether	SCONJ
ajbmeb-1884	217	19	in	in	ADP
ajbmeb-1884	217	20	the	the	DET
ajbmeb-1884	217	21	form	form	NOUN
ajbmeb-1884	217	22	of	of	ADP
ajbmeb-1884	217	23	bonuses	bonus	NOUN
ajbmeb-1884	217	24	,	,	PUNCT
ajbmeb-1884	217	25	promotions	promotion	NOUN
ajbmeb-1884	217	26	,	,	PUNCT
ajbmeb-1884	217	27	or	or	CCONJ
ajbmeb-1884	217	28	any	any	DET
ajbmeb-1884	217	29	other	other	ADJ
ajbmeb-1884	217	30	form	form	NOUN
ajbmeb-1884	217	31	.	.	PUNCT
ajbmeb-1884	218	1	6attention	6attention	NUM
ajbmeb-1884	218	2	is	be	AUX
ajbmeb-1884	218	3	paid	pay	VERB
ajbmeb-1884	218	4	to	to	ADP
ajbmeb-1884	218	5	activating	activate	VERB
ajbmeb-1884	218	6	the	the	DET
ajbmeb-1884	218	7	role	role	NOUN
ajbmeb-1884	218	8	of	of	ADP
ajbmeb-1884	218	9	the	the	DET
ajbmeb-1884	218	10	audit	audit	NOUN
ajbmeb-1884	218	11	committee	committee	NOUN
ajbmeb-1884	218	12	,	,	PUNCT
ajbmeb-1884	218	13	which	which	PRON
ajbmeb-1884	218	14	provides	provide	VERB
ajbmeb-1884	218	15	sufficient	sufficient	ADJ
ajbmeb-1884	218	16	independence	independence	NOUN
ajbmeb-1884	218	17	for	for	ADP
ajbmeb-1884	218	18	internal	internal	ADJ
ajbmeb-1884	218	19	and	and	CCONJ
ajbmeb-1884	218	20	external	external	ADJ
ajbmeb-1884	218	21	auditors	auditor	NOUN
ajbmeb-1884	218	22	and	and	CCONJ
ajbmeb-1884	218	23	limits	limit	VERB
ajbmeb-1884	218	24	the	the	DET
ajbmeb-1884	218	25	dominance	dominance	NOUN
ajbmeb-1884	218	26	of	of	ADP
ajbmeb-1884	218	27	executive	executive	ADJ
ajbmeb-1884	218	28	management	management	NOUN
ajbmeb-1884	218	29	.	.	PUNCT
ajbmeb-1884	219	1	7setting	7sette	VERB
ajbmeb-1884	219	2	strategic	strategic	ADJ
ajbmeb-1884	219	3	and	and	CCONJ
ajbmeb-1884	219	4	detailed	detailed	ADJ
ajbmeb-1884	219	5	objectives	objective	NOUN
ajbmeb-1884	219	6	that	that	PRON
ajbmeb-1884	219	7	are	be	AUX
ajbmeb-1884	219	8	known	know	VERB
ajbmeb-1884	219	9	to	to	ADP
ajbmeb-1884	219	10	the	the	DET
ajbmeb-1884	219	11	bank	bank	NOUN
ajbmeb-1884	219	12	’s	’s	PART
ajbmeb-1884	219	13	employees	employee	NOUN
ajbmeb-1884	219	14	to	to	PART
ajbmeb-1884	219	15	ensure	ensure	VERB
ajbmeb-1884	219	16	their	their	PRON
ajbmeb-1884	219	17	proper	proper	ADJ
ajbmeb-1884	219	18	implementation	implementation	NOUN
ajbmeb-1884	219	19	.	.	PUNCT
ajbmeb-1884	220	1	8the	8the	DET
ajbmeb-1884	220	2	importance	importance	NOUN
ajbmeb-1884	220	3	of	of	ADP
ajbmeb-1884	220	4	taking	take	VERB
ajbmeb-1884	220	5	sound	sound	ADJ
ajbmeb-1884	220	6	financial	financial	ADJ
ajbmeb-1884	220	7	and	and	CCONJ
ajbmeb-1884	220	8	administrative	administrative	ADJ
ajbmeb-1884	220	9	measures	measure	NOUN
ajbmeb-1884	220	10	to	to	PART
ajbmeb-1884	220	11	confront	confront	VERB
ajbmeb-1884	220	12	financial	financial	ADJ
ajbmeb-1884	220	13	and	and	CCONJ
ajbmeb-1884	220	14	economic	economic	ADJ
ajbmeb-1884	220	15	crises	crisis	NOUN
ajbmeb-1884	220	16	,	,	PUNCT
ajbmeb-1884	220	17	including	include	VERB
ajbmeb-1884	220	18	practicing	practice	VERB
ajbmeb-1884	220	19	basic	basic	ADJ
ajbmeb-1884	220	20	activities	activity	NOUN
ajbmeb-1884	220	21	at	at	ADP
ajbmeb-1884	220	22	work	work	NOUN
ajbmeb-1884	220	23	and	and	CCONJ
ajbmeb-1884	220	24	avoiding	avoid	VERB
ajbmeb-1884	220	25	activities	activity	NOUN
ajbmeb-1884	220	26	(	(	PUNCT
ajbmeb-1884	220	27	buying	buying	NOUN
ajbmeb-1884	220	28	,	,	PUNCT
ajbmeb-1884	220	29	selling	selling	NOUN
ajbmeb-1884	220	30	,	,	PUNCT
ajbmeb-1884	220	31	mortgages	mortgage	NOUN
ajbmeb-1884	220	32	,	,	PUNCT
ajbmeb-1884	220	33	etc	etc	X
ajbmeb-1884	220	34	.	.	PUNCT
ajbmeb-1884	221	1	(	(	PUNCT
ajbmeb-1884	221	2	.	.	PUNCT
ajbmeb-1884	222	1	ferenceser	ferenceser	PROPN
ajbmeb-1884	222	2	1	1	NUM
ajbmeb-1884	222	3	.	.	PUNCT
ajbmeb-1884	222	4	http://www.cipe-arabia.org/	http://www.cipe-arabia.org/	X
ajbmeb-1884	222	5	2	2	NUM
ajbmeb-1884	222	6	.	.	PUNCT
ajbmeb-1884	223	1	abu	abu	PROPN
ajbmeb-1884	223	2	al	al	PROPN
ajbmeb-1884	223	3	-	-	PUNCT
ajbmeb-1884	223	4	atta	atta	PROPN
ajbmeb-1884	223	5	,	,	PUNCT
ajbmeb-1884	223	6	nermin	nermin	ADJ
ajbmeb-1884	223	7	corporate	corporate	ADJ
ajbmeb-1884	223	8	governance	governance	NOUN
ajbmeb-1884	223	9	for	for	ADP
ajbmeb-1884	223	10	progress	progress	NOUN
ajbmeb-1884	223	11	state	state	NOUN
ajbmeb-1884	223	12	enterprise	enterprise	NOUN
ajbmeb-1884	223	13	center	center	PROPN
ajbmeb-1884	223	14	us	us	PROPN
ajbmeb-1884	223	15	chamber	chamber	PROPN
ajbmeb-1884	223	16	of	of	ADP
ajbmeb-1884	223	17	commerce	commerce	PROPN
ajbmeb-1884	223	18	,	,	PUNCT
ajbmeb-1884	223	19	washington	washington	PROPN
ajbmeb-1884	223	20	(	(	PUNCT
ajbmeb-1884	223	21	2004	2004	NUM
ajbmeb-1884	223	22	(	(	PUNCT
ajbmeb-1884	223	23	3	3	X
ajbmeb-1884	223	24	.	.	PUNCT
ajbmeb-1884	223	25	reports	report	NOUN
ajbmeb-1884	223	26	of	of	ADP
ajbmeb-1884	223	27	the	the	DET
ajbmeb-1884	223	28	middle	middle	PROPN
ajbmeb-1884	223	29	east	east	PROPN
ajbmeb-1884	223	30	investment	investment	PROPN
ajbmeb-1884	223	31	bank	bank	PROPN
ajbmeb-1884	223	32	for	for	ADP
ajbmeb-1884	223	33	the	the	DET
ajbmeb-1884	223	34	years	year	NOUN
ajbmeb-1884	223	35	2005__2012	2005__2012	ADJ
ajbmeb-1884	223	36	4	4	NUM
ajbmeb-1884	223	37	.	.	PUNCT
ajbmeb-1884	224	1	al	al	PROPN
ajbmeb-1884	224	2	-	-	PUNCT
ajbmeb-1884	224	3	jubouri	jubouri	PROPN
ajbmeb-1884	224	4	,	,	PUNCT
ajbmeb-1884	224	5	nisreen	nisreen	ADJ
ajbmeb-1884	224	6	farouk	farouk	NOUN
ajbmeb-1884	224	7	,	,	PUNCT
ajbmeb-1884	224	8	governance	governance	NOUN
ajbmeb-1884	224	9	standards	standard	NOUN
ajbmeb-1884	224	10	for	for	ADP
ajbmeb-1884	224	11	improving	improve	VERB
ajbmeb-1884	224	12	performance	performance	NOUN
ajbmeb-1884	224	13	in	in	ADP
ajbmeb-1884	224	14	the	the	DET
ajbmeb-1884	224	15	banking	banking	NOUN
ajbmeb-1884	224	16	sector	sector	NOUN
ajbmeb-1884	224	17	:	:	PUNCT
ajbmeb-1884	224	18	an	an	DET
ajbmeb-1884	224	19	analytical	analytical	ADJ
ajbmeb-1884	224	20	study	study	NOUN
ajbmeb-1884	224	21	of	of	ADP
ajbmeb-1884	224	22	a	a	DET
ajbmeb-1884	224	23	sample	sample	NOUN
ajbmeb-1884	224	24	of	of	ADP
ajbmeb-1884	224	25	iraqi	iraqi	ADJ
ajbmeb-1884	224	26	banks	bank	NOUN
ajbmeb-1884	224	27	unpublished	unpublishe	VERB
ajbmeb-1884	224	28	higher	high	ADJ
ajbmeb-1884	224	29	diploma	diploma	NOUN
ajbmeb-1884	224	30	research	research	NOUN
ajbmeb-1884	224	31	/	/	SYM
ajbmeb-1884	224	32	administrative	administrative	ADJ
ajbmeb-1884	224	33	technical	technical	PROPN
ajbmeb-1884	224	34	college	college	PROPN
ajbmeb-1884	224	35	/	/	SYM
ajbmeb-1884	224	36	baghdad	baghdad	PROPN
ajbmeb-1884	224	37	2007	2007	NUM
ajbmeb-1884	224	38	5	5	NUM
ajbmeb-1884	224	39	.	.	PUNCT
ajbmeb-1884	225	1	hashad	hashad	PROPN
ajbmeb-1884	225	2	,	,	PUNCT
ajbmeb-1884	225	3	nabil	nabil	NOUN
ajbmeb-1884	225	4	banking	banking	NOUN
ajbmeb-1884	225	5	risk	risk	NOUN
ajbmeb-1884	225	6	management	management	NOUN
ajbmeb-1884	225	7	union	union	NOUN
ajbmeb-1884	225	8	of	of	ADP
ajbmeb-1884	225	9	arab	arab	ADJ
ajbmeb-1884	225	10	banks	bank	NOUN
ajbmeb-1884	225	11	issue	issue	VERB
ajbmeb-1884	225	12	no	no	PRON
ajbmeb-1884	225	13	.	.	NOUN
ajbmeb-1884	225	14	286	286	NUM
ajbmeb-1884	225	15	,	,	PUNCT
ajbmeb-1884	225	16	beirut	beirut	PROPN
ajbmeb-1884	225	17	,	,	PUNCT
ajbmeb-1884	225	18	september	september	PROPN
ajbmeb-1884	225	19	2004	2004	NUM
ajbmeb-1884	225	20	6	6	NUM
ajbmeb-1884	225	21	.	.	PUNCT
ajbmeb-1884	226	1	hammad	hammad	PROPN
ajbmeb-1884	226	2	,	,	PUNCT
ajbmeb-1884	226	3	tariq	tariq	PROPN
ajbmeb-1884	226	4	abdel	abdel	PROPN
ajbmeb-1884	226	5	-	-	PUNCT
ajbmeb-1884	226	6	al	al	PROPN
ajbmeb-1884	226	7	,	,	PUNCT
ajbmeb-1884	226	8	corporate	corporate	ADJ
ajbmeb-1884	226	9	governance	governance	NOUN
ajbmeb-1884	226	10	(	(	PUNCT
ajbmeb-1884	226	11	concepts	concept	NOUN
ajbmeb-1884	226	12	,	,	PUNCT
ajbmeb-1884	226	13	principles	principle	NOUN
ajbmeb-1884	226	14	,	,	PUNCT
ajbmeb-1884	226	15	experiences	experience	NOUN
ajbmeb-1884	226	16	)	)	PUNCT
ajbmeb-1884	226	17	,	,	PUNCT
ajbmeb-1884	226	18	governance	governance	NOUN
ajbmeb-1884	226	19	applications	application	NOUN
ajbmeb-1884	226	20	in	in	ADP
ajbmeb-1884	226	21	banks	bank	NOUN
ajbmeb-1884	226	22	,	,	PUNCT
ajbmeb-1884	226	23	university	university	NOUN
ajbmeb-1884	226	24	house	house	PROPN
ajbmeb-1884	226	25	,	,	PUNCT
ajbmeb-1884	226	26	egypt	egypt	PROPN
ajbmeb-1884	226	27	,	,	PUNCT
ajbmeb-1884	226	28	2005	2005	NUM
ajbmeb-1884	226	29	,	,	PUNCT
ajbmeb-1884	226	30	7	7	NUM
ajbmeb-1884	226	31	.	.	PUNCT
ajbmeb-1884	226	32	al	al	PROPN
ajbmeb-1884	226	33	-	-	PUNCT
ajbmeb-1884	226	34	hamalawy	hamalawy	PROPN
ajbmeb-1884	226	35	,	,	PUNCT
ajbmeb-1884	226	36	saleh	saleh	NOUN
ajbmeb-1884	226	37	towards	towards	ADP
ajbmeb-1884	226	38	the	the	DET
ajbmeb-1884	226	39	role	role	NOUN
ajbmeb-1884	226	40	of	of	ADP
ajbmeb-1884	226	41	internal	internal	ADJ
ajbmeb-1884	226	42	audit	audit	NOUN
ajbmeb-1884	226	43	in	in	ADP
ajbmeb-1884	226	44	examining	examine	VERB
ajbmeb-1884	226	45	the	the	DET
ajbmeb-1884	226	46	effectiveness	effectiveness	NOUN
ajbmeb-1884	226	47	of	of	ADP
ajbmeb-1884	226	48	governance	governance	NOUN
ajbmeb-1884	226	49	in	in	ADP
ajbmeb-1884	226	50	egyptian	egyptian	ADJ
ajbmeb-1884	226	51	banks	bank	NOUN
ajbmeb-1884	226	52	the	the	DET
ajbmeb-1884	226	53	fifth	fifth	ADJ
ajbmeb-1884	226	54	conference	conference	NOUN
ajbmeb-1884	226	55	on	on	ADP
ajbmeb-1884	226	56	corporate	corporate	ADJ
ajbmeb-1884	226	57	governance	governance	NOUN
ajbmeb-1884	226	58	and	and	CCONJ
ajbmeb-1884	226	59	its	its	PRON
ajbmeb-1884	226	60	accounting	accounting	NOUN
ajbmeb-1884	226	61	,	,	PUNCT
ajbmeb-1884	226	62	accounting	accounting	NOUN
ajbmeb-1884	226	63	,	,	PUNCT
ajbmeb-1884	226	64	and	and	CCONJ
ajbmeb-1884	226	65	economic	economic	ADJ
ajbmeb-1884	226	66	dimensions	dimension	NOUN
ajbmeb-1884	226	67	,	,	PUNCT
ajbmeb-1884	226	68	part	part	NOUN
ajbmeb-1884	226	69	three	three	NUM
ajbmeb-1884	226	70	,	,	PUNCT
ajbmeb-1884	226	71	alexandria	alexandria	PROPN
ajbmeb-1884	226	72	university	university	PROPN
ajbmeb-1884	226	73	,	,	PUNCT
ajbmeb-1884	226	74	faculty	faculty	NOUN
ajbmeb-1884	226	75	of	of	ADP
ajbmeb-1884	226	76	commerce	commerce	PROPN
ajbmeb-1884	226	77	2	2	NUM
ajbmeb-1884	226	78	8	8	NUM
ajbmeb-1884	226	79	.	.	PUNCT
ajbmeb-1884	227	1	sami	sami	PROPN
ajbmeb-1884	227	2	,	,	PUNCT
ajbmeb-1884	227	3	magdy	magdy	PROPN
ajbmeb-1884	227	4	mohamed	mohamed	PROPN
ajbmeb-1884	227	5	(	(	PUNCT
ajbmeb-1884	227	6	the	the	DET
ajbmeb-1884	227	7	role	role	NOUN
ajbmeb-1884	227	8	of	of	ADP
ajbmeb-1884	227	9	audit	audit	NOUN
ajbmeb-1884	227	10	committees	committee	NOUN
ajbmeb-1884	227	11	in	in	ADP
ajbmeb-1884	227	12	corporate	corporate	ADJ
ajbmeb-1884	227	13	governance	governance	NOUN
ajbmeb-1884	227	14	and	and	CCONJ
ajbmeb-1884	227	15	their	their	PRON
ajbmeb-1884	227	16	impact	impact	NOUN
ajbmeb-1884	227	17	on	on	ADP
ajbmeb-1884	227	18	the	the	DET
ajbmeb-1884	227	19	quality	quality	NOUN
ajbmeb-1884	227	20	of	of	ADP
ajbmeb-1884	227	21	financial	financial	ADJ
ajbmeb-1884	227	22	statements	statement	NOUN
ajbmeb-1884	227	23	published	publish	VERB
ajbmeb-1884	227	24	in	in	ADP
ajbmeb-1884	227	25	the	the	DET
ajbmeb-1884	227	26	egyptian	egyptian	ADJ
ajbmeb-1884	227	27	business	business	PROPN
ajbmeb-1884	227	28	environment	environment	PROPN
ajbmeb-1884	227	29	)	)	PUNCT
ajbmeb-1884	227	30	the	the	DET
ajbmeb-1884	227	31	fifth	fifth	ADJ
ajbmeb-1884	227	32	conference	conference	NOUN
ajbmeb-1884	227	33	on	on	ADP
ajbmeb-1884	227	34	corporate	corporate	ADJ
ajbmeb-1884	227	35	governance	governance	NOUN
ajbmeb-1884	227	36	,	,	PUNCT
ajbmeb-1884	227	37	alexandria	alexandria	PROPN
ajbmeb-1884	227	38	university	university	PROPN
ajbmeb-1884	227	39	,	,	PUNCT
ajbmeb-1884	227	40	faculty	faculty	NOUN
ajbmeb-1884	227	41	of	of	ADP
ajbmeb-1884	227	42	commerce	commerce	PROPN
ajbmeb-1884	227	43	2005	2005	NUM
ajbmeb-1884	227	44	american	american	ADJ
ajbmeb-1884	227	45	journal	journal	PROPN
ajbmeb-1884	227	46	of	of	ADP
ajbmeb-1884	227	47	business	business	NOUN
ajbmeb-1884	227	48	management	management	NOUN
ajbmeb-1884	227	49	,	,	PUNCT
ajbmeb-1884	227	50	economics	economic	NOUN
ajbmeb-1884	227	51	and	and	CCONJ
ajbmeb-1884	227	52	banking	banking	NOUN
ajbmeb-1884	227	53	volume	volume	NOUN
ajbmeb-1884	227	54	21	21	NUM
ajbmeb-1884	227	55	february	february	PROPN
ajbmeb-1884	227	56	,	,	PUNCT
ajbmeb-1884	227	57	2024	2024	NUM
ajbmeb-1884	227	58	p	p	NOUN
ajbmeb-1884	227	59	a	a	DET
ajbmeb-1884	227	60	g	g	NOUN
ajbmeb-1884	227	61	e	e	NOUN
ajbmeb-1884	227	62	|	|	ADV
ajbmeb-1884	227	63	97	97	NUM
ajbmeb-1884	227	64	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1884	227	65	9	9	NUM
ajbmeb-1884	227	66	.	.	PUNCT
ajbmeb-1884	227	67	suleiman	suleiman	PROPN
ajbmeb-1884	227	68	,	,	PUNCT
ajbmeb-1884	227	69	muhammad	muhammad	PROPN
ajbmeb-1884	227	70	,	,	PUNCT
ajbmeb-1884	227	71	(	(	PUNCT
ajbmeb-1884	227	72	corporate	corporate	ADJ
ajbmeb-1884	227	73	governance	governance	NOUN
ajbmeb-1884	227	74	and	and	CCONJ
ajbmeb-1884	227	75	addressing	address	VERB
ajbmeb-1884	227	76	financial	financial	ADJ
ajbmeb-1884	227	77	and	and	CCONJ
ajbmeb-1884	227	78	administrative	administrative	ADJ
ajbmeb-1884	227	79	corruption	corruption	NOUN
ajbmeb-1884	227	80	)	)	PUNCT
ajbmeb-1884	227	81	study	study	NOUN
ajbmeb-1884	227	82	comparison	comparison	NOUN
ajbmeb-1884	227	83	,	,	PUNCT
ajbmeb-1884	227	84	house	house	PROPN
ajbmeb-1884	227	85	university	university	PROPN
ajbmeb-1884	227	86	alexandria	alexandria	PROPN
ajbmeb-1884	227	87	2005	2005	NUM
ajbmeb-1884	227	88	10	10	NUM
ajbmeb-1884	227	89	.	.	PUNCT
ajbmeb-1884	228	1	abdel	abdel	PROPN
ajbmeb-1884	228	2	halim	halim	PROPN
ajbmeb-1884	228	3	,	,	PUNCT
ajbmeb-1884	228	4	muhammad	muhammad	PROPN
ajbmeb-1884	228	5	bank	bank	PROPN
ajbmeb-1884	228	6	governance	governance	NOUN
ajbmeb-1884	228	7	the	the	DET
ajbmeb-1884	228	8	fifth	fifth	ADJ
ajbmeb-1884	228	9	conference	conference	NOUN
ajbmeb-1884	228	10	on	on	ADP
ajbmeb-1884	228	11	corporate	corporate	ADJ
ajbmeb-1884	228	12	governance	governance	NOUN
ajbmeb-1884	228	13	and	and	CCONJ
ajbmeb-1884	228	14	its	its	PRON
ajbmeb-1884	228	15	accounting	accounting	NOUN
ajbmeb-1884	228	16	,	,	PUNCT
ajbmeb-1884	228	17	administrative	administrative	ADJ
ajbmeb-1884	228	18	and	and	CCONJ
ajbmeb-1884	228	19	economic	economic	ADJ
ajbmeb-1884	228	20	dimensions	dimension	NOUN
ajbmeb-1884	228	21	,	,	PUNCT
ajbmeb-1884	228	22	part	part	NOUN
ajbmeb-1884	228	23	three	three	NUM
ajbmeb-1884	228	24	,	,	PUNCT
ajbmeb-1884	228	25	alexandria	alexandria	PROPN
ajbmeb-1884	228	26	university	university	PROPN
ajbmeb-1884	228	27	2005	2005	NUM
ajbmeb-1884	228	28	11	11	NUM
ajbmeb-1884	228	29	.	.	PUNCT
ajbmeb-1884	229	1	abboud	abboud	PROPN
ajbmeb-1884	229	2	,	,	PUNCT
ajbmeb-1884	229	3	salem	salem	PROPN
ajbmeb-1884	229	4	muhammad	muhammad	PROPN
ajbmeb-1884	229	5	,	,	PUNCT
ajbmeb-1884	229	6	the	the	DET
ajbmeb-1884	229	7	global	global	ADJ
ajbmeb-1884	229	8	financial	financial	ADJ
ajbmeb-1884	229	9	crisis	crisis	NOUN
ajbmeb-1884	229	10	between	between	ADP
ajbmeb-1884	229	11	the	the	DET
ajbmeb-1884	229	12	principle	principle	NOUN
ajbmeb-1884	229	13	of	of	ADP
ajbmeb-1884	229	14	disclosure	disclosure	NOUN
ajbmeb-1884	229	15	and	and	CCONJ
ajbmeb-1884	229	16	transparency	transparency	NOUN
ajbmeb-1884	229	17	,	,	PUNCT
ajbmeb-1884	229	18	research	research	NOUN
ajbmeb-1884	229	19	presented	present	VERB
ajbmeb-1884	229	20	to	to	ADP
ajbmeb-1884	229	21	the	the	DET
ajbmeb-1884	229	22	third	third	ADJ
ajbmeb-1884	229	23	scientific	scientific	ADJ
ajbmeb-1884	229	24	conference	conference	NOUN
ajbmeb-1884	229	25	,	,	PUNCT
ajbmeb-1884	229	26	amman	amman	PROPN
ajbmeb-1884	229	27	,	,	PUNCT
ajbmeb-1884	229	28	jordan	jordan	PROPN
ajbmeb-1884	229	29	,	,	PUNCT
ajbmeb-1884	229	30	2009	2009	NUM
ajbmeb-1884	229	31	.	.	PUNCT
ajbmeb-1884	230	1	12	12	NUM
ajbmeb-1884	230	2	.	.	PUNCT
ajbmeb-1884	231	1	al	al	PROPN
ajbmeb-1884	231	2	-	-	PUNCT
ajbmeb-1884	231	3	ghunaimi	ghunaimi	PROPN
ajbmeb-1884	231	4	mahmoud	mahmoud	PROPN
ajbmeb-1884	231	5	,	,	PUNCT
ajbmeb-1884	231	6	governance	governance	NOUN
ajbmeb-1884	231	7	and	and	CCONJ
ajbmeb-1884	231	8	the	the	DET
ajbmeb-1884	231	9	banking	banking	NOUN
ajbmeb-1884	231	10	system	system	NOUN
ajbmeb-1884	231	11	,	,	PUNCT
ajbmeb-1884	231	12	a	a	DET
ajbmeb-1884	231	13	working	work	VERB
ajbmeb-1884	231	14	paper	paper	NOUN
ajbmeb-1884	231	15	presented	present	VERB
ajbmeb-1884	231	16	to	to	ADP
ajbmeb-1884	231	17	the	the	DET
ajbmeb-1884	231	18	fifth	fifth	ADJ
ajbmeb-1884	231	19	conference	conference	NOUN
ajbmeb-1884	231	20	on	on	ADP
ajbmeb-1884	231	21	corporate	corporate	ADJ
ajbmeb-1884	231	22	governance	governance	NOUN
ajbmeb-1884	231	23	and	and	CCONJ
ajbmeb-1884	231	24	its	its	PRON
ajbmeb-1884	231	25	accounting	accounting	NOUN
ajbmeb-1884	231	26	,	,	PUNCT
ajbmeb-1884	231	27	administrative	administrative	ADJ
ajbmeb-1884	231	28	,	,	PUNCT
ajbmeb-1884	231	29	and	and	CCONJ
ajbmeb-1884	231	30	economic	economic	ADJ
ajbmeb-1884	231	31	dimensions	dimension	NOUN
ajbmeb-1884	231	32	,	,	PUNCT
ajbmeb-1884	231	33	part	part	NOUN
ajbmeb-1884	231	34	three	three	NUM
ajbmeb-1884	231	35	,	,	PUNCT
ajbmeb-1884	231	36	alexandria	alexandria	PROPN
ajbmeb-1884	231	37	university	university	PROPN
ajbmeb-1884	231	38	,	,	PUNCT
ajbmeb-1884	231	39	faculty	faculty	NOUN
ajbmeb-1884	231	40	of	of	ADP
ajbmeb-1884	231	41	commerce	commerce	PROPN
ajbmeb-1884	231	42	,	,	PUNCT
ajbmeb-1884	231	43	2005	2005	NUM
ajbmeb-1884	231	44	13	13	NUM
ajbmeb-1884	231	45	.	.	PUNCT
ajbmeb-1884	232	1	matar	matar	PROPN
ajbmeb-1884	232	2	,	,	PUNCT
ajbmeb-1884	232	3	muhammad	muhammad	PROPN
ajbmeb-1884	232	4	,	,	PUNCT
ajbmeb-1884	232	5	and	and	CCONJ
ajbmeb-1884	232	6	nour	nour	PROPN
ajbmeb-1884	232	7	,	,	PUNCT
ajbmeb-1884	232	8	abdel	abdel	PROPN
ajbmeb-1884	232	9	nasser	nasser	PROPN
ajbmeb-1884	232	10	(	(	PUNCT
ajbmeb-1884	232	11	the	the	DET
ajbmeb-1884	232	12	extent	extent	NOUN
ajbmeb-1884	232	13	to	to	PART
ajbmeb-1884	232	14	which	which	PRON
ajbmeb-1884	232	15	jordanian	jordanian	ADJ
ajbmeb-1884	232	16	operating	operating	NOUN
ajbmeb-1884	232	17	companies	company	NOUN
ajbmeb-1884	232	18	adhere	adhere	VERB
ajbmeb-1884	232	19	to	to	ADP
ajbmeb-1884	232	20	the	the	DET
ajbmeb-1884	232	21	principles	principle	NOUN
ajbmeb-1884	232	22	of	of	ADP
ajbmeb-1884	232	23	corporate	corporate	ADJ
ajbmeb-1884	232	24	governance	governance	NOUN
ajbmeb-1884	232	25	)	)	PUNCT
ajbmeb-1884	232	26	a	a	DET
ajbmeb-1884	232	27	comparative	comparative	ADJ
ajbmeb-1884	232	28	analytical	analytical	ADJ
ajbmeb-1884	232	29	study	study	NOUN
ajbmeb-1884	232	30	between	between	ADP
ajbmeb-1884	232	31	the	the	DET
ajbmeb-1884	232	32	banking	banking	NOUN
ajbmeb-1884	232	33	and	and	CCONJ
ajbmeb-1884	232	34	industrial	industrial	ADJ
ajbmeb-1884	232	35	sectors	sector	NOUN
ajbmeb-1884	232	36	university	university	PROPN
ajbmeb-1884	232	37	of	of	ADP
ajbmeb-1884	232	38	jordan	jordan	PROPN
ajbmeb-1884	232	39	jordanian	jordanian	PROPN
ajbmeb-1884	232	40	journal	journal	PROPN
ajbmeb-1884	232	41	of	of	ADP
ajbmeb-1884	232	42	business	business	PROPN
ajbmeb-1884	232	43	administration	administration	PROPN
ajbmeb-1884	232	44	,	,	PUNCT
ajbmeb-1884	232	45	volume	volume	NOUN
ajbmeb-1884	232	46	3	3	NUM
ajbmeb-1884	232	47	,	,	PUNCT
ajbmeb-1884	232	48	1st	1st	ADJ
ajbmeb-1884	232	49	january	january	PROPN
ajbmeb-1884	232	50	2007	2007	NUM
ajbmeb-1884	232	51	14	14	NUM
ajbmeb-1884	232	52	.	.	PUNCT
ajbmeb-1884	233	1	miraj	miraj	PROPN
ajbmeb-1884	233	2	,	,	PUNCT
ajbmeb-1884	233	3	abdel	abdel	PROPN
ajbmeb-1884	233	4	qader	qader	PROPN
ajbmeb-1884	233	5	hawari	hawari	PROPN
ajbmeb-1884	233	6	and	and	CCONJ
ajbmeb-1884	233	7	ahmed	ahmed	PROPN
ajbmeb-1884	233	8	,	,	PUNCT
ajbmeb-1884	233	9	abdel	abdel	PROPN
ajbmeb-1884	233	10	h.	h.	PROPN
ajbmeb-1884	233	11	faiz	faiz	PROPN
ajbmeb-1884	233	12	a	a	DET
ajbmeb-1884	233	13	majdal	majdal	NOUN
ajbmeb-1884	233	14	,	,	PUNCT
ajbmeb-1884	233	15	research	research	NOUN
ajbmeb-1884	233	16	(	(	PUNCT
ajbmeb-1884	233	17	corporate	corporate	ADJ
ajbmeb-1884	233	18	governance	governance	NOUN
ajbmeb-1884	233	19	in	in	ADP
ajbmeb-1884	233	20	the	the	DET
ajbmeb-1884	233	21	banking	banking	NOUN
ajbmeb-1884	233	22	and	and	CCONJ
ajbmeb-1884	233	23	financial	financial	ADJ
ajbmeb-1884	233	24	sector	sector	NOUN
ajbmeb-1884	233	25	and	and	CCONJ
ajbmeb-1884	233	26	its	its	PRON
ajbmeb-1884	233	27	role	role	NOUN
ajbmeb-1884	233	28	in	in	ADP
ajbmeb-1884	233	29	establishing	establish	VERB
ajbmeb-1884	233	30	the	the	DET
ajbmeb-1884	233	31	rules	rule	NOUN
ajbmeb-1884	233	32	of	of	ADP
ajbmeb-1884	233	33	transparency	transparency	NOUN
ajbmeb-1884	233	34	.	.	PUNCT
ajbmeb-1884	234	1	2019	2019	NUM
ajbmeb-1884	234	2	15	15	NUM
ajbmeb-1884	234	3	.	.	PUNCT
ajbmeb-1884	235	1	arab	arab	ADJ
ajbmeb-1884	235	2	organization	organization	PROPN
ajbmeb-1884	235	3	for	for	ADP
ajbmeb-1884	235	4	administrative	administrative	ADJ
ajbmeb-1884	235	5	development	development	NOUN
ajbmeb-1884	235	6	,	,	PUNCT
ajbmeb-1884	235	7	arab	arab	ADJ
ajbmeb-1884	235	8	society	society	NOUN
ajbmeb-1884	235	9	for	for	ADP
ajbmeb-1884	235	10	environmental	environmental	ADJ
ajbmeb-1884	235	11	management	management	NOUN
ajbmeb-1884	235	12	,	,	PUNCT
ajbmeb-1884	235	13	working	working	NOUN
ajbmeb-1884	235	14	papers	paper	NOUN
ajbmeb-1884	235	15	of	of	ADP
ajbmeb-1884	235	16	the	the	DET
ajbmeb-1884	235	17	fourth	fourth	PROPN
ajbmeb-1884	235	18	arab	arab	PROPN
ajbmeb-1884	235	19	conference	conference	NOUN
ajbmeb-1884	235	20	on	on	ADP
ajbmeb-1884	235	21	environmental	environmental	ADJ
ajbmeb-1884	235	22	management	management	NOUN
ajbmeb-1884	235	23	,	,	PUNCT
ajbmeb-1884	235	24	sustainable	sustainable	ADJ
ajbmeb-1884	235	25	development	development	NOUN
ajbmeb-1884	235	26	and	and	CCONJ
ajbmeb-1884	235	27	community	community	NOUN
ajbmeb-1884	235	28	management	management	NOUN
ajbmeb-1884	235	29	(	(	PUNCT
ajbmeb-1884	235	30	future	future	ADJ
ajbmeb-1884	235	31	resources	resource	NOUN
ajbmeb-1884	235	32	for	for	ADP
ajbmeb-1884	235	33	central	central	ADJ
ajbmeb-1884	235	34	and	and	CCONJ
ajbmeb-1884	235	35	local	local	ADJ
ajbmeb-1884	235	36	governments	government	NOUN
ajbmeb-1884	235	37	,	,	PUNCT
ajbmeb-1884	235	38	the	the	DET
ajbmeb-1884	235	39	private	private	ADJ
ajbmeb-1884	235	40	sector	sector	NOUN
ajbmeb-1884	235	41	and	and	CCONJ
ajbmeb-1884	235	42	civil	civil	ADJ
ajbmeb-1884	235	43	society	society	NOUN
ajbmeb-1884	235	44	)	)	PUNCT
ajbmeb-1884	235	45	.	.	PUNCT
ajbmeb-1884	236	1	2010	2010	NUM
ajbmeb-1884	236	2	16	16	NUM
ajbmeb-1884	236	3	.	.	PUNCT
ajbmeb-1884	237	1	al	al	PROPN
ajbmeb-1884	237	2	-	-	NOUN
ajbmeb-1884	237	3	rubaie	rubaie	PROPN
ajbmeb-1884	237	4	,	,	PUNCT
ajbmeb-1884	237	5	bank	bank	NOUN
ajbmeb-1884	237	6	governance	governance	NOUN
ajbmeb-1884	237	7	and	and	CCONJ
ajbmeb-1884	237	8	its	its	PRON
ajbmeb-1884	237	9	impact	impact	NOUN
ajbmeb-1884	237	10	on	on	ADP
ajbmeb-1884	237	11	performance	performance	NOUN
ajbmeb-1884	237	12	and	and	CCONJ
ajbmeb-1884	237	13	risk	risk	NOUN
ajbmeb-1884	237	14	,	,	PUNCT
ajbmeb-1884	237	15	iraq	iraq	PROPN
ajbmeb-1884	237	16	,	,	PUNCT
ajbmeb-1884	237	17	al	al	PROPN
ajbmeb-1884	237	18	-	-	PUNCT
ajbmeb-1884	237	19	yazouri	yazouri	PROPN
ajbmeb-1884	237	20	,	,	PUNCT
ajbmeb-1884	237	21	2018	2018	NUM
ajbmeb-1884	237	22	.	.	PUNCT
ajbmeb-1884	238	1	17	17	NUM
ajbmeb-1884	238	2	.	.	X
ajbmeb-1884	238	3	allen	allen	PROPN
ajbmeb-1884	238	4	,	,	PUNCT
ajbmeb-1884	238	5	jamie	jamie	PROPN
ajbmeb-1884	238	6	&	&	CCONJ
ajbmeb-1884	238	7	li	li	PROPN
ajbmeb-1884	238	8	rui	rui	PROPN
ajbmeb-1884	238	9	.	.	PUNCT
ajbmeb-1884	239	1	(	(	PUNCT
ajbmeb-1884	239	2	nana	nana	PROPN
ajbmeb-1884	239	3	li	li	PROPN
ajbmeb-1884	239	4	)	)	PUNCT
ajbmeb-1884	239	5	.	.	PUNCT
ajbmeb-1884	240	1	(	(	PUNCT
ajbmeb-1884	240	2	2018	2018	NUM
ajbmeb-1884	240	3	)	)	PUNCT
ajbmeb-1884	240	4	.	.	PUNCT
ajbmeb-1884	241	1	awakening	awaken	VERB
ajbmeb-1884	241	2	governance	governance	NOUN
ajbmeb-1884	241	3	:	:	PUNCT
ajbmeb-1884	241	4	acga	acga	PROPN
ajbmeb-1884	241	5	china	china	PROPN
ajbmeb-1884	241	6	corporate	corporate	ADJ
ajbmeb-1884	241	7	governor	governor	NOUN
ajbmeb-1884	241	8	17	17	NUM
ajbmeb-1884	241	9	18	18	NUM
ajbmeb-1884	241	10	.	.	PUNCT
ajbmeb-1884	242	1	nance	nance	NOUN
ajbmeb-1884	242	2	report	report	PROPN
ajbmeb-1884	242	3	2018	2018	NUM
ajbmeb-1884	242	4	,	,	PUNCT
ajbmeb-1884	242	5	asian	asian	ADJ
ajbmeb-1884	242	6	corporate	corporate	ADJ
ajbmeb-1884	242	7	governance	governance	NOUN
ajbmeb-1884	242	8	association	association	NOUN
ajbmeb-1884	242	9	,	,	PUNCT
ajbmeb-1884	242	10	harvard	harvard	PROPN
ajbmeb-1884	242	11	law	law	PROPN
ajbmeb-1884	242	12	school	school	PROPN
ajbmeb-1884	242	13	forum	forum	PROPN
ajbmeb-1884	242	14	on	on	ADP
ajbmeb-1884	242	15	cor	cor	PROPN
ajbmeb-1884	242	16	19	19	NUM
ajbmeb-1884	242	17	.	.	PUNCT
ajbmeb-1884	242	18	porate	porate	ADJ
ajbmeb-1884	242	19	governance	governance	NOUN
ajbmeb-1884	242	20	and	and	CCONJ
ajbmeb-1884	242	21	financial	financial	ADJ
ajbmeb-1884	242	22	regulation	regulation	NOUN
ajbmeb-1884	242	23	,	,	PUNCT
ajbmeb-1884	242	24	saturday	saturday	PROPN
ajbmeb-1884	242	25	,	,	PUNCT
ajbmeb-1884	242	26	august	august	PROPN
ajbmeb-1884	242	27	25	25	NUM
ajbmeb-1884	242	28	,	,	PUNCT
ajbmeb-1884	242	29	available	available	ADJ
ajbmeb-1884	242	30	at	at	ADP
ajbmeb-1884	242	31	:	:	PUNCT
ajbmeb-1884	242	32	https://corpgov	https://corpgov	NUM
ajbmeb-1884	242	33	20	20	NUM
ajbmeb-1884	242	34	.	.	PUNCT
ajbmeb-1884	243	1	law	law	NOUN
ajbmeb-1884	243	2	.	.	PUNCT
ajbmeb-1884	244	1	harvard.edu/2018/08/25/awakening-governance-acga-china-corporate-governance-re	harvard.edu/2018/08/25/awakening-governance-acga-china-corporate-governance-re	NOUN
ajbmeb-1884	244	2	18	18	NUM
ajbmeb-1884	244	3	_	_	DET
ajbmeb-1884	244	4	port	port	NOUN
ajbmeb-1884	244	5	2018/?fbclid	2018/?fbclid	NOUN
ajbmeb-1884	244	6	=	=	NOUN
ajbmeb-1884	244	7	iwar267uekpq83flfspymqwezwgqfwe9x4mgn3o_iilodrqayyrge3kr5	iwar267uekpq83flfspymqwezwgqfwe9x4mgn3o_iilodrqayyrge3kr5	VERB
ajbmeb-1884	244	8	rzf	rzf	NOUN
ajbmeb-1884	244	9	21	21	NUM
ajbmeb-1884	244	10	.	.	PUNCT
ajbmeb-1884	245	1	hkex	hkex	ADJ
ajbmeb-1884	245	2	.	.	PUNCT
ajbmeb-1884	246	1	(	(	PUNCT
ajbmeb-1884	246	2	2014	2014	NUM
ajbmeb-1884	246	3	)	)	PUNCT
ajbmeb-1884	246	4	.	.	PUNCT
ajbmeb-1884	247	1	hong	hong	PROPN
ajbmeb-1884	247	2	kong	kong	PROPN
ajbmeb-1884	247	3	corporate	corporate	ADJ
ajbmeb-1884	247	4	governance	governance	NOUN
ajbmeb-1884	247	5	:	:	PUNCT
ajbmeb-1884	247	6	a	a	DET
ajbmeb-1884	247	7	practical	practical	ADJ
ajbmeb-1884	247	8	guide	guide	NOUN
ajbmeb-1884	247	9	by	by	ADP
ajbmeb-1884	247	10	the	the	DET
ajbmeb-1884	247	11	hong	hong	PROPN
ajbmeb-1884	247	12	kong	kong	PROPN
ajbmeb-1884	247	13	.	.	PUNCT
ajbmeb-1884	248	1	white	white	ADJ
ajbmeb-1884	248	2	–	–	PUNCT
ajbmeb-1884	248	3	19	19	NUM
ajbmeb-1884	248	4	page	page	NOUN
ajbmeb-1884	248	5	:	:	PUNCT
ajbmeb-1884	248	6	london	london	PROPN
ajbmeb-1884	248	7	,	,	PUNCT
ajbmeb-1884	248	8	corporate	corporate	ADJ
ajbmeb-1884	248	9	governance	governance	NOUN
ajbmeb-1884	248	10	principles	principle	NOUN
ajbmeb-1884	248	11	,	,	PUNCT
ajbmeb-1884	248	12	april	april	PROPN
ajbmeb-1884	248	13	,	,	PUNCT
ajbmeb-1884	248	14	mainland	mainland	NOUN
ajbmeb-1884	248	15	china	china	PROPN
ajbmeb-1884	248	16	and	and	CCONJ
ajbmeb-1884	248	17	hong	hong	PROPN
ajbmeb-1884	248	18	kong	kong	PROPN
ajbmeb-1884	248	19	,	,	PUNCT
ajbmeb-1884	248	20	hermes	herme	NOUN
ajbmeb-1884	248	21	.	.	PUNCT