id	sid	tid	token	lemma	pos
ajbmeb-2153	1	1	american	american	PROPN
ajbmeb-2153	1	2	journal	journal	PROPN
ajbmeb-2153	1	3	of	of	ADP
ajbmeb-2153	1	4	business	business	NOUN
ajbmeb-2153	1	5	management	management	NOUN
ajbmeb-2153	1	6	,	,	PUNCT
ajbmeb-2153	1	7	economics	economic	NOUN
ajbmeb-2153	1	8	and	and	CCONJ
ajbmeb-2153	1	9	banking	banking	NOUN
ajbmeb-2153	1	10	issn	issn	PROPN
ajbmeb-2153	1	11	(	(	PUNCT
ajbmeb-2153	1	12	e	e	NOUN
ajbmeb-2153	1	13	):	):	PUNCT
ajbmeb-2153	1	14	2832	2832	NUM
ajbmeb-2153	1	15	-	-	SYM
ajbmeb-2153	1	16	8078	8078	NUM
ajbmeb-2153	1	17	volume	volume	NOUN
ajbmeb-2153	1	18	24	24	NUM
ajbmeb-2153	1	19	,	,	PUNCT
ajbmeb-2153	1	20	|	|	ADV
ajbmeb-2153	1	21	may	may	AUX
ajbmeb-2153	1	22	2024	2024	NUM
ajbmeb-2153	1	23	p	p	NOUN
ajbmeb-2153	1	24	a	a	PRON
ajbmeb-2153	1	25	g	g	NOUN
ajbmeb-2153	1	26	e	e	NOUN
ajbmeb-2153	1	27	|	|	ADV
ajbmeb-2153	1	28	148	148	NUM
ajbmeb-2153	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2153	1	30	increasing	increase	VERB
ajbmeb-2153	1	31	the	the	DET
ajbmeb-2153	1	32	efficiency	efficiency	NOUN
ajbmeb-2153	1	33	of	of	ADP
ajbmeb-2153	1	34	working	work	VERB
ajbmeb-2153	1	35	with	with	ADP
ajbmeb-2153	1	36	problem	problem	NOUN
ajbmeb-2153	1	37	loans	loan	NOUN
ajbmeb-2153	1	38	in	in	ADP
ajbmeb-2153	1	39	banks	bank	NOUN
ajbmeb-2153	1	40	makhamadumarov	makhamadumarov	PROPN
ajbmeb-2153	1	41	kasimjon	kasimjon	PROPN
ajbmeb-2153	1	42	dilmurod	dilmurod	PROPN
ajbmeb-2153	1	43	ugli	ugli	PROPN
ajbmeb-2153	1	44	graduate	graduate	NOUN
ajbmeb-2153	1	45	student	student	NOUN
ajbmeb-2153	1	46	of	of	ADP
ajbmeb-2153	1	47	the	the	DET
ajbmeb-2153	1	48	academy	academy	NOUN
ajbmeb-2153	1	49	of	of	ADP
ajbmeb-2153	1	50	banking	banking	NOUN
ajbmeb-2153	1	51	and	and	CCONJ
ajbmeb-2153	1	52	finance	finance	NOUN
ajbmeb-2153	1	53	of	of	ADP
ajbmeb-2153	1	54	the	the	DET
ajbmeb-2153	1	55	republic	republic	NOUN
ajbmeb-2153	1	56	of	of	ADP
ajbmeb-2153	1	57	uzbekistan	uzbekistan	PROPN
ajbmeb-2153	1	58	tel	tel	PROPN
ajbmeb-2153	1	59	.	.	PUNCT
ajbmeb-2153	2	1	+998	+998	NUM
ajbmeb-2153	2	2	91	91	NUM
ajbmeb-2153	2	3	496	496	NUM
ajbmeb-2153	2	4	71	71	NUM
ajbmeb-2153	2	5	71	71	NUM
ajbmeb-2153	2	6	,	,	PUNCT
ajbmeb-2153	2	7	email	email	NOUN
ajbmeb-2153	2	8	:	:	PUNCT
ajbmeb-2153	2	9	maxamadumarovkosimzan@gmail.com	maxamadumarovkosimzan@gmail.com	X
ajbmeb-2153	3	1	a	a	DET
ajbmeb-2153	3	2	b	b	PROPN
ajbmeb-2153	3	3	s	s	ADP
ajbmeb-2153	3	4	t	t	PROPN
ajbmeb-2153	3	5	r	r	NOUN
ajbmeb-2153	3	6	a	a	DET
ajbmeb-2153	3	7	c	c	NOUN
ajbmeb-2153	3	8	t	t	NOUN
ajbmeb-2153	3	9	k	k	X
ajbmeb-2153	3	10	e	e	PROPN
ajbmeb-2153	3	11	y	y	PROPN
ajbmeb-2153	3	12	w	w	NOUN
ajbmeb-2153	3	13	o	o	NOUN
ajbmeb-2153	3	14	r	r	NOUN
ajbmeb-2153	3	15	d	d	PROPN
ajbmeb-2153	3	16	s	s	PART
ajbmeb-2153	3	17	problem	problem	NOUN
ajbmeb-2153	3	18	loans	loan	NOUN
ajbmeb-2153	3	19	,	,	PUNCT
ajbmeb-2153	3	20	also	also	ADV
ajbmeb-2153	3	21	known	know	VERB
ajbmeb-2153	3	22	as	as	ADP
ajbmeb-2153	3	23	non	non	ADJ
ajbmeb-2153	3	24	-	-	ADJ
ajbmeb-2153	3	25	performing	performing	ADJ
ajbmeb-2153	3	26	loans	loan	NOUN
ajbmeb-2153	3	27	(	(	PUNCT
ajbmeb-2153	3	28	npls	npls	NOUN
ajbmeb-2153	3	29	)	)	PUNCT
ajbmeb-2153	3	30	,	,	PUNCT
ajbmeb-2153	3	31	pose	pose	VERB
ajbmeb-2153	3	32	a	a	DET
ajbmeb-2153	3	33	significant	significant	ADJ
ajbmeb-2153	3	34	risk	risk	NOUN
ajbmeb-2153	3	35	to	to	ADP
ajbmeb-2153	3	36	the	the	DET
ajbmeb-2153	3	37	financial	financial	ADJ
ajbmeb-2153	3	38	stability	stability	NOUN
ajbmeb-2153	3	39	of	of	ADP
ajbmeb-2153	3	40	banks	bank	NOUN
ajbmeb-2153	3	41	and	and	CCONJ
ajbmeb-2153	3	42	financial	financial	ADJ
ajbmeb-2153	3	43	institutions	institution	NOUN
ajbmeb-2153	3	44	.	.	PUNCT
ajbmeb-2153	4	1	efficiently	efficiently	ADV
ajbmeb-2153	4	2	managing	manage	VERB
ajbmeb-2153	4	3	these	these	DET
ajbmeb-2153	4	4	problematic	problematic	ADJ
ajbmeb-2153	4	5	assets	asset	NOUN
ajbmeb-2153	4	6	is	be	AUX
ajbmeb-2153	4	7	crucial	crucial	ADJ
ajbmeb-2153	4	8	for	for	ADP
ajbmeb-2153	4	9	maintaining	maintain	VERB
ajbmeb-2153	4	10	the	the	DET
ajbmeb-2153	4	11	health	health	NOUN
ajbmeb-2153	4	12	of	of	ADP
ajbmeb-2153	4	13	a	a	DET
ajbmeb-2153	4	14	bank	bank	NOUN
ajbmeb-2153	4	15	's	's	PART
ajbmeb-2153	4	16	portfolio	portfolio	NOUN
ajbmeb-2153	4	17	and	and	CCONJ
ajbmeb-2153	4	18	ensuring	ensure	VERB
ajbmeb-2153	4	19	overall	overall	ADJ
ajbmeb-2153	4	20	financial	financial	ADJ
ajbmeb-2153	4	21	stability	stability	NOUN
ajbmeb-2153	4	22	.	.	PUNCT
ajbmeb-2153	5	1	this	this	DET
ajbmeb-2153	5	2	article	article	NOUN
ajbmeb-2153	5	3	explores	explore	VERB
ajbmeb-2153	5	4	various	various	ADJ
ajbmeb-2153	5	5	strategies	strategy	NOUN
ajbmeb-2153	5	6	to	to	PART
ajbmeb-2153	5	7	enhance	enhance	VERB
ajbmeb-2153	5	8	the	the	DET
ajbmeb-2153	5	9	efficiency	efficiency	NOUN
ajbmeb-2153	5	10	of	of	ADP
ajbmeb-2153	5	11	working	work	VERB
ajbmeb-2153	5	12	with	with	ADP
ajbmeb-2153	5	13	problem	problem	NOUN
ajbmeb-2153	5	14	loans	loan	NOUN
ajbmeb-2153	5	15	,	,	PUNCT
ajbmeb-2153	5	16	including	include	VERB
ajbmeb-2153	5	17	early	early	ADJ
ajbmeb-2153	5	18	identification	identification	NOUN
ajbmeb-2153	5	19	and	and	CCONJ
ajbmeb-2153	5	20	monitoring	monitoring	NOUN
ajbmeb-2153	5	21	,	,	PUNCT
ajbmeb-2153	5	22	restructuring	restructuring	NOUN
ajbmeb-2153	5	23	and	and	CCONJ
ajbmeb-2153	5	24	refinancing	refinance	VERB
ajbmeb-2153	5	25	,	,	PUNCT
ajbmeb-2153	5	26	establishing	establish	VERB
ajbmeb-2153	5	27	dedicated	dedicated	ADJ
ajbmeb-2153	5	28	problem	problem	NOUN
ajbmeb-2153	5	29	loan	loan	NOUN
ajbmeb-2153	5	30	units	unit	NOUN
ajbmeb-2153	5	31	,	,	PUNCT
ajbmeb-2153	5	32	leveraging	leverage	VERB
ajbmeb-2153	5	33	legal	legal	ADJ
ajbmeb-2153	5	34	and	and	CCONJ
ajbmeb-2153	5	35	regulatory	regulatory	ADJ
ajbmeb-2153	5	36	frameworks	framework	NOUN
ajbmeb-2153	5	37	,	,	PUNCT
ajbmeb-2153	5	38	enhancing	enhance	VERB
ajbmeb-2153	5	39	communication	communication	NOUN
ajbmeb-2153	5	40	with	with	ADP
ajbmeb-2153	5	41	borrowers	borrower	NOUN
ajbmeb-2153	5	42	,	,	PUNCT
ajbmeb-2153	5	43	utilizing	utilize	VERB
ajbmeb-2153	5	44	technology	technology	NOUN
ajbmeb-2153	5	45	and	and	CCONJ
ajbmeb-2153	5	46	data	datum	NOUN
ajbmeb-2153	5	47	analytics	analytic	NOUN
ajbmeb-2153	5	48	,	,	PUNCT
ajbmeb-2153	5	49	and	and	CCONJ
ajbmeb-2153	5	50	forming	form	VERB
ajbmeb-2153	5	51	partnerships	partnership	NOUN
ajbmeb-2153	5	52	and	and	CCONJ
ajbmeb-2153	5	53	outsourcing	outsourcing	NOUN
ajbmeb-2153	5	54	.	.	PUNCT
ajbmeb-2153	6	1	through	through	ADP
ajbmeb-2153	6	2	detailed	detailed	ADJ
ajbmeb-2153	6	3	analysis	analysis	NOUN
ajbmeb-2153	6	4	and	and	CCONJ
ajbmeb-2153	6	5	case	case	NOUN
ajbmeb-2153	6	6	studies	study	NOUN
ajbmeb-2153	6	7	from	from	ADP
ajbmeb-2153	6	8	past	past	ADJ
ajbmeb-2153	6	9	financial	financial	ADJ
ajbmeb-2153	6	10	crises	crisis	NOUN
ajbmeb-2153	6	11	,	,	PUNCT
ajbmeb-2153	6	12	this	this	DET
ajbmeb-2153	6	13	article	article	NOUN
ajbmeb-2153	6	14	provides	provide	VERB
ajbmeb-2153	6	15	a	a	DET
ajbmeb-2153	6	16	comprehensive	comprehensive	ADJ
ajbmeb-2153	6	17	overview	overview	NOUN
ajbmeb-2153	6	18	of	of	ADP
ajbmeb-2153	6	19	best	good	ADJ
ajbmeb-2153	6	20	practices	practice	NOUN
ajbmeb-2153	6	21	and	and	CCONJ
ajbmeb-2153	6	22	methodologies	methodology	NOUN
ajbmeb-2153	6	23	that	that	PRON
ajbmeb-2153	6	24	banks	bank	NOUN
ajbmeb-2153	6	25	can	can	AUX
ajbmeb-2153	6	26	adopt	adopt	VERB
ajbmeb-2153	6	27	to	to	PART
ajbmeb-2153	6	28	mitigate	mitigate	VERB
ajbmeb-2153	6	29	the	the	DET
ajbmeb-2153	6	30	risks	risk	NOUN
ajbmeb-2153	6	31	associated	associate	VERB
ajbmeb-2153	6	32	with	with	ADP
ajbmeb-2153	6	33	npls	npls	NOUN
ajbmeb-2153	6	34	,	,	PUNCT
ajbmeb-2153	6	35	ultimately	ultimately	ADV
ajbmeb-2153	6	36	contributing	contribute	VERB
ajbmeb-2153	6	37	to	to	ADP
ajbmeb-2153	6	38	the	the	DET
ajbmeb-2153	6	39	resilience	resilience	NOUN
ajbmeb-2153	6	40	of	of	ADP
ajbmeb-2153	6	41	the	the	DET
ajbmeb-2153	6	42	financial	financial	ADJ
ajbmeb-2153	6	43	system	system	NOUN
ajbmeb-2153	6	44	.	.	PUNCT
ajbmeb-2153	7	1	non	non	ADJ
ajbmeb-2153	7	2	-	-	ADJ
ajbmeb-2153	7	3	performing	performing	ADJ
ajbmeb-2153	7	4	loans	loan	NOUN
ajbmeb-2153	7	5	(	(	PUNCT
ajbmeb-2153	7	6	npls	npls	NOUN
ajbmeb-2153	7	7	)	)	PUNCT
ajbmeb-2153	7	8	.	.	PUNCT
ajbmeb-2153	8	1	problem	problem	NOUN
ajbmeb-2153	8	2	loans	loan	NOUN
ajbmeb-2153	8	3	.	.	PUNCT
ajbmeb-2153	9	1	financial	financial	ADJ
ajbmeb-2153	9	2	stability	stability	NOUN
ajbmeb-2153	9	3	.	.	PUNCT
ajbmeb-2153	10	1	loan	loan	NOUN
ajbmeb-2153	10	2	restructuring	restructuring	NOUN
ajbmeb-2153	10	3	.	.	PUNCT
ajbmeb-2153	11	1	early	early	ADJ
ajbmeb-2153	11	2	warning	warning	NOUN
ajbmeb-2153	11	3	systems	system	NOUN
ajbmeb-2153	11	4	.	.	PUNCT
ajbmeb-2153	12	1	loan	loan	NOUN
ajbmeb-2153	12	2	monitoring	monitoring	NOUN
ajbmeb-2153	12	3	.	.	PUNCT
ajbmeb-2153	13	1	credit	credit	NOUN
ajbmeb-2153	13	2	risk	risk	NOUN
ajbmeb-2153	13	3	management	management	NOUN
ajbmeb-2153	13	4	.	.	PUNCT
ajbmeb-2153	14	1	financial	financial	ADJ
ajbmeb-2153	14	2	institutions	institution	NOUN
ajbmeb-2153	14	3	.	.	PUNCT
ajbmeb-2153	15	1	debt	debt	NOUN
ajbmeb-2153	15	2	recovery	recovery	NOUN
ajbmeb-2153	15	3	.	.	PUNCT
ajbmeb-2153	16	1	banking	banking	NOUN
ajbmeb-2153	16	2	crisis	crisis	NOUN
ajbmeb-2153	16	3	.	.	PUNCT
ajbmeb-2153	17	1	economic	economic	ADJ
ajbmeb-2153	17	2	downturns	downturn	NOUN
ajbmeb-2153	17	3	.	.	PUNCT
ajbmeb-2153	18	1	loan	loan	NOUN
ajbmeb-2153	18	2	refinancing	refinancing	NOUN
ajbmeb-2153	18	3	.	.	PUNCT
ajbmeb-2153	19	1	data	datum	NOUN
ajbmeb-2153	19	2	analytics	analytic	NOUN
ajbmeb-2153	19	3	.	.	PUNCT
ajbmeb-2153	20	1	legal	legal	ADJ
ajbmeb-2153	20	2	and	and	CCONJ
ajbmeb-2153	20	3	regulatory	regulatory	ADJ
ajbmeb-2153	20	4	compliance	compliance	NOUN
ajbmeb-2153	20	5	.	.	PUNCT
ajbmeb-2153	21	1	financial	financial	ADJ
ajbmeb-2153	21	2	counseling	counseling	NOUN
ajbmeb-2153	21	3	.	.	PUNCT
ajbmeb-2153	22	1	loan	loan	NOUN
ajbmeb-2153	22	2	management	management	NOUN
ajbmeb-2153	22	3	strategies	strategy	NOUN
ajbmeb-2153	22	4	.	.	PUNCT
ajbmeb-2153	23	1	introduction	introduction	NOUN
ajbmeb-2153	23	2	problem	problem	NOUN
ajbmeb-2153	23	3	loans	loan	NOUN
ajbmeb-2153	23	4	,	,	PUNCT
ajbmeb-2153	23	5	often	often	ADV
ajbmeb-2153	23	6	referred	refer	VERB
ajbmeb-2153	23	7	to	to	ADP
ajbmeb-2153	23	8	as	as	ADP
ajbmeb-2153	23	9	non	non	ADJ
ajbmeb-2153	23	10	-	-	ADJ
ajbmeb-2153	23	11	performing	performing	ADJ
ajbmeb-2153	23	12	loans	loan	NOUN
ajbmeb-2153	23	13	(	(	PUNCT
ajbmeb-2153	23	14	npls	npls	NOUN
ajbmeb-2153	23	15	)	)	PUNCT
ajbmeb-2153	23	16	,	,	PUNCT
ajbmeb-2153	23	17	represent	represent	VERB
ajbmeb-2153	23	18	a	a	DET
ajbmeb-2153	23	19	significant	significant	ADJ
ajbmeb-2153	23	20	challenge	challenge	NOUN
ajbmeb-2153	23	21	for	for	ADP
ajbmeb-2153	23	22	banks	bank	NOUN
ajbmeb-2153	23	23	and	and	CCONJ
ajbmeb-2153	23	24	financial	financial	ADJ
ajbmeb-2153	23	25	institutions	institution	NOUN
ajbmeb-2153	23	26	worldwide	worldwide	ADV
ajbmeb-2153	23	27	.	.	PUNCT
ajbmeb-2153	24	1	these	these	DET
ajbmeb-2153	24	2	loans	loan	NOUN
ajbmeb-2153	24	3	,	,	PUNCT
ajbmeb-2153	24	4	characterized	characterize	VERB
ajbmeb-2153	24	5	by	by	ADP
ajbmeb-2153	24	6	delayed	delay	VERB
ajbmeb-2153	24	7	repayments	repayment	NOUN
ajbmeb-2153	24	8	or	or	CCONJ
ajbmeb-2153	24	9	outright	outright	ADJ
ajbmeb-2153	24	10	default	default	NOUN
ajbmeb-2153	24	11	,	,	PUNCT
ajbmeb-2153	24	12	threaten	threaten	VERB
ajbmeb-2153	24	13	the	the	DET
ajbmeb-2153	24	14	financial	financial	ADJ
ajbmeb-2153	24	15	health	health	NOUN
ajbmeb-2153	24	16	of	of	ADP
ajbmeb-2153	24	17	lending	lending	NOUN
ajbmeb-2153	24	18	institutions	institution	NOUN
ajbmeb-2153	24	19	by	by	ADP
ajbmeb-2153	24	20	tying	tie	VERB
ajbmeb-2153	24	21	up	up	ADP
ajbmeb-2153	24	22	capital	capital	NOUN
ajbmeb-2153	24	23	that	that	PRON
ajbmeb-2153	24	24	could	could	AUX
ajbmeb-2153	24	25	otherwise	otherwise	ADV
ajbmeb-2153	24	26	be	be	AUX
ajbmeb-2153	24	27	used	use	VERB
ajbmeb-2153	24	28	for	for	ADP
ajbmeb-2153	24	29	profitable	profitable	ADJ
ajbmeb-2153	24	30	ventures	venture	NOUN
ajbmeb-2153	24	31	.	.	PUNCT
ajbmeb-2153	25	1	the	the	DET
ajbmeb-2153	25	2	efficient	efficient	ADJ
ajbmeb-2153	25	3	management	management	NOUN
ajbmeb-2153	25	4	of	of	ADP
ajbmeb-2153	25	5	these	these	DET
ajbmeb-2153	25	6	problematic	problematic	ADJ
ajbmeb-2153	25	7	assets	asset	NOUN
ajbmeb-2153	25	8	is	be	AUX
ajbmeb-2153	25	9	essential	essential	ADJ
ajbmeb-2153	25	10	not	not	PART
ajbmeb-2153	25	11	only	only	ADV
ajbmeb-2153	25	12	for	for	ADP
ajbmeb-2153	25	13	the	the	DET
ajbmeb-2153	25	14	stability	stability	NOUN
ajbmeb-2153	25	15	of	of	ADP
ajbmeb-2153	25	16	individual	individual	ADJ
ajbmeb-2153	25	17	banks	bank	NOUN
ajbmeb-2153	25	18	but	but	CCONJ
ajbmeb-2153	25	19	also	also	ADV
ajbmeb-2153	25	20	for	for	ADP
ajbmeb-2153	25	21	the	the	DET
ajbmeb-2153	25	22	broader	broad	ADJ
ajbmeb-2153	25	23	financial	financial	ADJ
ajbmeb-2153	25	24	system	system	NOUN
ajbmeb-2153	25	25	and	and	CCONJ
ajbmeb-2153	25	26	economy	economy	NOUN
ajbmeb-2153	25	27	.	.	PUNCT
ajbmeb-2153	26	1	the	the	DET
ajbmeb-2153	26	2	importance	importance	NOUN
ajbmeb-2153	26	3	of	of	ADP
ajbmeb-2153	26	4	addressing	address	VERB
ajbmeb-2153	26	5	problem	problem	NOUN
ajbmeb-2153	26	6	loans	loan	NOUN
ajbmeb-2153	26	7	has	have	AUX
ajbmeb-2153	26	8	become	become	VERB
ajbmeb-2153	26	9	particularly	particularly	ADV
ajbmeb-2153	26	10	evident	evident	ADJ
ajbmeb-2153	26	11	during	during	ADP
ajbmeb-2153	26	12	periods	period	NOUN
ajbmeb-2153	26	13	of	of	ADP
ajbmeb-2153	26	14	economic	economic	ADJ
ajbmeb-2153	26	15	distress	distress	NOUN
ajbmeb-2153	26	16	.	.	PUNCT
ajbmeb-2153	27	1	for	for	ADP
ajbmeb-2153	27	2	instance	instance	NOUN
ajbmeb-2153	27	3	,	,	PUNCT
ajbmeb-2153	27	4	the	the	DET
ajbmeb-2153	27	5	global	global	ADJ
ajbmeb-2153	27	6	financial	financial	ADJ
ajbmeb-2153	27	7	crisis	crisis	NOUN
ajbmeb-2153	27	8	of	of	ADP
ajbmeb-2153	27	9	2008	2008	NUM
ajbmeb-2153	27	10	and	and	CCONJ
ajbmeb-2153	27	11	the	the	DET
ajbmeb-2153	27	12	subsequent	subsequent	ADJ
ajbmeb-2153	27	13	european	european	ADJ
ajbmeb-2153	27	14	debt	debt	NOUN
ajbmeb-2153	27	15	crisis	crisis	NOUN
ajbmeb-2153	27	16	highlighted	highlight	VERB
ajbmeb-2153	27	17	the	the	DET
ajbmeb-2153	27	18	vulnerabilities	vulnerability	NOUN
ajbmeb-2153	27	19	of	of	ADP
ajbmeb-2153	27	20	banks	bank	NOUN
ajbmeb-2153	27	21	laden	laden	ADJ
ajbmeb-2153	27	22	with	with	ADP
ajbmeb-2153	27	23	high	high	ADJ
ajbmeb-2153	27	24	levels	level	NOUN
ajbmeb-2153	27	25	of	of	ADP
ajbmeb-2153	27	26	npls	npls	NOUN
ajbmeb-2153	27	27	.	.	PUNCT
ajbmeb-2153	28	1	these	these	DET
ajbmeb-2153	28	2	crises	crisis	NOUN
ajbmeb-2153	28	3	underscored	underscore	VERB
ajbmeb-2153	28	4	american	american	ADJ
ajbmeb-2153	28	5	journal	journal	PROPN
ajbmeb-2153	28	6	of	of	ADP
ajbmeb-2153	28	7	business	business	NOUN
ajbmeb-2153	28	8	management	management	NOUN
ajbmeb-2153	28	9	,	,	PUNCT
ajbmeb-2153	28	10	economics	economic	NOUN
ajbmeb-2153	28	11	and	and	CCONJ
ajbmeb-2153	28	12	banking	banking	NOUN
ajbmeb-2153	28	13	volume	volume	NOUN
ajbmeb-2153	28	14	24	24	NUM
ajbmeb-2153	28	15	may	may	PROPN
ajbmeb-2153	28	16	2024	2024	NUM
ajbmeb-2153	28	17	p	p	NOUN
ajbmeb-2153	28	18	a	a	DET
ajbmeb-2153	28	19	g	g	NOUN
ajbmeb-2153	28	20	e	e	NOUN
ajbmeb-2153	28	21	|	|	ADV
ajbmeb-2153	28	22	149	149	NUM
ajbmeb-2153	28	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2153	28	24	the	the	DET
ajbmeb-2153	28	25	necessity	necessity	NOUN
ajbmeb-2153	28	26	for	for	SCONJ
ajbmeb-2153	28	27	banks	bank	NOUN
ajbmeb-2153	28	28	to	to	PART
ajbmeb-2153	28	29	develop	develop	VERB
ajbmeb-2153	28	30	robust	robust	ADJ
ajbmeb-2153	28	31	strategies	strategy	NOUN
ajbmeb-2153	28	32	for	for	ADP
ajbmeb-2153	28	33	managing	manage	VERB
ajbmeb-2153	28	34	problem	problem	NOUN
ajbmeb-2153	28	35	loans	loan	NOUN
ajbmeb-2153	28	36	to	to	PART
ajbmeb-2153	28	37	safeguard	safeguard	VERB
ajbmeb-2153	28	38	their	their	PRON
ajbmeb-2153	28	39	balance	balance	NOUN
ajbmeb-2153	28	40	sheets	sheet	NOUN
ajbmeb-2153	28	41	and	and	CCONJ
ajbmeb-2153	28	42	maintain	maintain	VERB
ajbmeb-2153	28	43	investor	investor	NOUN
ajbmeb-2153	28	44	confidence	confidence	NOUN
ajbmeb-2153	28	45	.	.	PUNCT
ajbmeb-2153	29	1	in	in	ADP
ajbmeb-2153	29	2	a	a	DET
ajbmeb-2153	29	3	healthy	healthy	ADJ
ajbmeb-2153	29	4	economy	economy	NOUN
ajbmeb-2153	29	5	,	,	PUNCT
ajbmeb-2153	29	6	problem	problem	NOUN
ajbmeb-2153	29	7	loans	loan	NOUN
ajbmeb-2153	29	8	are	be	AUX
ajbmeb-2153	29	9	usually	usually	ADV
ajbmeb-2153	29	10	kept	keep	VERB
ajbmeb-2153	29	11	at	at	ADP
ajbmeb-2153	29	12	manageable	manageable	ADJ
ajbmeb-2153	29	13	levels	level	NOUN
ajbmeb-2153	29	14	through	through	ADP
ajbmeb-2153	29	15	prudent	prudent	ADJ
ajbmeb-2153	29	16	lending	lending	NOUN
ajbmeb-2153	29	17	practices	practice	NOUN
ajbmeb-2153	29	18	and	and	CCONJ
ajbmeb-2153	29	19	effective	effective	ADJ
ajbmeb-2153	29	20	risk	risk	NOUN
ajbmeb-2153	29	21	management	management	NOUN
ajbmeb-2153	29	22	.	.	PUNCT
ajbmeb-2153	30	1	however	however	ADV
ajbmeb-2153	30	2	,	,	PUNCT
ajbmeb-2153	30	3	during	during	ADP
ajbmeb-2153	30	4	economic	economic	ADJ
ajbmeb-2153	30	5	downturns	downturn	NOUN
ajbmeb-2153	30	6	or	or	CCONJ
ajbmeb-2153	30	7	periods	period	NOUN
ajbmeb-2153	30	8	of	of	ADP
ajbmeb-2153	30	9	significant	significant	ADJ
ajbmeb-2153	30	10	market	market	NOUN
ajbmeb-2153	30	11	volatility	volatility	NOUN
ajbmeb-2153	30	12	,	,	PUNCT
ajbmeb-2153	30	13	the	the	DET
ajbmeb-2153	30	14	incidence	incidence	NOUN
ajbmeb-2153	30	15	of	of	ADP
ajbmeb-2153	30	16	problem	problem	NOUN
ajbmeb-2153	30	17	loans	loan	NOUN
ajbmeb-2153	30	18	tends	tend	VERB
ajbmeb-2153	30	19	to	to	PART
ajbmeb-2153	30	20	increase	increase	VERB
ajbmeb-2153	30	21	.	.	PUNCT
ajbmeb-2153	31	1	factors	factor	NOUN
ajbmeb-2153	31	2	such	such	ADJ
ajbmeb-2153	31	3	as	as	ADP
ajbmeb-2153	31	4	declining	decline	VERB
ajbmeb-2153	31	5	business	business	NOUN
ajbmeb-2153	31	6	revenues	revenue	NOUN
ajbmeb-2153	31	7	,	,	PUNCT
ajbmeb-2153	31	8	rising	rise	VERB
ajbmeb-2153	31	9	unemployment	unemployment	NOUN
ajbmeb-2153	31	10	,	,	PUNCT
ajbmeb-2153	31	11	and	and	CCONJ
ajbmeb-2153	31	12	falling	fall	VERB
ajbmeb-2153	31	13	asset	asset	NOUN
ajbmeb-2153	31	14	prices	price	NOUN
ajbmeb-2153	31	15	contribute	contribute	VERB
ajbmeb-2153	31	16	to	to	ADP
ajbmeb-2153	31	17	borrowers	borrower	NOUN
ajbmeb-2153	31	18	'	'	PART
ajbmeb-2153	31	19	inability	inability	NOUN
ajbmeb-2153	31	20	to	to	PART
ajbmeb-2153	31	21	meet	meet	VERB
ajbmeb-2153	31	22	their	their	PRON
ajbmeb-2153	31	23	debt	debt	NOUN
ajbmeb-2153	31	24	obligations	obligation	NOUN
ajbmeb-2153	31	25	,	,	PUNCT
ajbmeb-2153	31	26	resulting	result	VERB
ajbmeb-2153	31	27	in	in	ADP
ajbmeb-2153	31	28	a	a	DET
ajbmeb-2153	31	29	surge	surge	NOUN
ajbmeb-2153	31	30	of	of	ADP
ajbmeb-2153	31	31	npls	npls	NOUN
ajbmeb-2153	31	32	.	.	PUNCT
ajbmeb-2153	32	1	banks	bank	NOUN
ajbmeb-2153	32	2	'	'	PART
ajbmeb-2153	32	3	failure	failure	NOUN
ajbmeb-2153	32	4	to	to	PART
ajbmeb-2153	32	5	efficiently	efficiently	ADV
ajbmeb-2153	32	6	manage	manage	VERB
ajbmeb-2153	32	7	npls	npls	NOUN
ajbmeb-2153	32	8	can	can	AUX
ajbmeb-2153	32	9	lead	lead	VERB
ajbmeb-2153	32	10	to	to	ADP
ajbmeb-2153	32	11	a	a	DET
ajbmeb-2153	32	12	cascade	cascade	NOUN
ajbmeb-2153	32	13	of	of	ADP
ajbmeb-2153	32	14	adverse	adverse	ADJ
ajbmeb-2153	32	15	effects	effect	NOUN
ajbmeb-2153	32	16	.	.	PUNCT
ajbmeb-2153	33	1	high	high	ADJ
ajbmeb-2153	33	2	levels	level	NOUN
ajbmeb-2153	33	3	of	of	ADP
ajbmeb-2153	33	4	npls	npls	NOUN
ajbmeb-2153	33	5	can	can	AUX
ajbmeb-2153	33	6	erode	erode	VERB
ajbmeb-2153	33	7	a	a	DET
ajbmeb-2153	33	8	bank	bank	NOUN
ajbmeb-2153	33	9	's	's	PART
ajbmeb-2153	33	10	capital	capital	NOUN
ajbmeb-2153	33	11	base	base	NOUN
ajbmeb-2153	33	12	,	,	PUNCT
ajbmeb-2153	33	13	constrain	constrain	VERB
ajbmeb-2153	33	14	its	its	PRON
ajbmeb-2153	33	15	ability	ability	NOUN
ajbmeb-2153	33	16	to	to	PART
ajbmeb-2153	33	17	lend	lend	VERB
ajbmeb-2153	33	18	,	,	PUNCT
ajbmeb-2153	33	19	and	and	CCONJ
ajbmeb-2153	33	20	ultimately	ultimately	ADV
ajbmeb-2153	33	21	lead	lead	VERB
ajbmeb-2153	33	22	to	to	ADP
ajbmeb-2153	33	23	insolvency	insolvency	NOUN
ajbmeb-2153	33	24	.	.	PUNCT
ajbmeb-2153	34	1	moreover	moreover	ADV
ajbmeb-2153	34	2	,	,	PUNCT
ajbmeb-2153	34	3	systemic	systemic	ADJ
ajbmeb-2153	34	4	issues	issue	NOUN
ajbmeb-2153	34	5	arising	arise	VERB
ajbmeb-2153	34	6	from	from	ADP
ajbmeb-2153	34	7	widespread	widespread	ADJ
ajbmeb-2153	34	8	loan	loan	NOUN
ajbmeb-2153	34	9	defaults	default	NOUN
ajbmeb-2153	34	10	can	can	AUX
ajbmeb-2153	34	11	trigger	trigger	VERB
ajbmeb-2153	34	12	broader	broad	ADJ
ajbmeb-2153	34	13	financial	financial	ADJ
ajbmeb-2153	34	14	instability	instability	NOUN
ajbmeb-2153	34	15	,	,	PUNCT
ajbmeb-2153	34	16	affecting	affect	VERB
ajbmeb-2153	34	17	not	not	PART
ajbmeb-2153	34	18	only	only	ADV
ajbmeb-2153	34	19	the	the	DET
ajbmeb-2153	34	20	banking	banking	NOUN
ajbmeb-2153	34	21	sector	sector	NOUN
ajbmeb-2153	34	22	but	but	CCONJ
ajbmeb-2153	34	23	also	also	ADV
ajbmeb-2153	34	24	the	the	DET
ajbmeb-2153	34	25	overall	overall	ADJ
ajbmeb-2153	34	26	economy	economy	NOUN
ajbmeb-2153	34	27	.	.	PUNCT
ajbmeb-2153	35	1	therefore	therefore	ADV
ajbmeb-2153	35	2	,	,	PUNCT
ajbmeb-2153	35	3	it	it	PRON
ajbmeb-2153	35	4	is	be	AUX
ajbmeb-2153	35	5	imperative	imperative	ADJ
ajbmeb-2153	35	6	for	for	SCONJ
ajbmeb-2153	35	7	banks	bank	NOUN
ajbmeb-2153	35	8	to	to	PART
ajbmeb-2153	35	9	develop	develop	VERB
ajbmeb-2153	35	10	and	and	CCONJ
ajbmeb-2153	35	11	implement	implement	VERB
ajbmeb-2153	35	12	comprehensive	comprehensive	ADJ
ajbmeb-2153	35	13	strategies	strategy	NOUN
ajbmeb-2153	35	14	to	to	PART
ajbmeb-2153	35	15	manage	manage	VERB
ajbmeb-2153	35	16	problem	problem	NOUN
ajbmeb-2153	35	17	loans	loan	NOUN
ajbmeb-2153	35	18	effectively	effectively	ADV
ajbmeb-2153	35	19	.	.	PUNCT
ajbmeb-2153	36	1	these	these	DET
ajbmeb-2153	36	2	strategies	strategy	NOUN
ajbmeb-2153	36	3	involve	involve	VERB
ajbmeb-2153	36	4	early	early	ADJ
ajbmeb-2153	36	5	identification	identification	NOUN
ajbmeb-2153	36	6	and	and	CCONJ
ajbmeb-2153	36	7	monitoring	monitoring	NOUN
ajbmeb-2153	36	8	of	of	ADP
ajbmeb-2153	36	9	potential	potential	ADJ
ajbmeb-2153	36	10	problem	problem	NOUN
ajbmeb-2153	36	11	loans	loan	NOUN
ajbmeb-2153	36	12	,	,	PUNCT
ajbmeb-2153	36	13	restructuring	restructuring	NOUN
ajbmeb-2153	36	14	and	and	CCONJ
ajbmeb-2153	36	15	refinancing	refinance	VERB
ajbmeb-2153	36	16	options	option	NOUN
ajbmeb-2153	36	17	,	,	PUNCT
ajbmeb-2153	36	18	the	the	DET
ajbmeb-2153	36	19	establishment	establishment	NOUN
ajbmeb-2153	36	20	of	of	ADP
ajbmeb-2153	36	21	specialized	specialized	ADJ
ajbmeb-2153	36	22	units	unit	NOUN
ajbmeb-2153	36	23	,	,	PUNCT
ajbmeb-2153	36	24	adherence	adherence	NOUN
ajbmeb-2153	36	25	to	to	ADP
ajbmeb-2153	36	26	a	a	DET
ajbmeb-2153	36	27	strong	strong	ADJ
ajbmeb-2153	36	28	legal	legal	ADJ
ajbmeb-2153	36	29	and	and	CCONJ
ajbmeb-2153	36	30	regulatory	regulatory	ADJ
ajbmeb-2153	36	31	framework	framework	NOUN
ajbmeb-2153	36	32	,	,	PUNCT
ajbmeb-2153	36	33	enhanced	enhance	VERB
ajbmeb-2153	36	34	communication	communication	NOUN
ajbmeb-2153	36	35	with	with	ADP
ajbmeb-2153	36	36	borrowers	borrower	NOUN
ajbmeb-2153	36	37	,	,	PUNCT
ajbmeb-2153	36	38	and	and	CCONJ
ajbmeb-2153	36	39	leveraging	leverage	VERB
ajbmeb-2153	36	40	technology	technology	NOUN
ajbmeb-2153	36	41	and	and	CCONJ
ajbmeb-2153	36	42	data	datum	NOUN
ajbmeb-2153	36	43	analytics	analytic	NOUN
ajbmeb-2153	36	44	.	.	PUNCT
ajbmeb-2153	37	1	this	this	DET
ajbmeb-2153	37	2	article	article	NOUN
ajbmeb-2153	37	3	aims	aim	VERB
ajbmeb-2153	37	4	to	to	PART
ajbmeb-2153	37	5	explore	explore	VERB
ajbmeb-2153	37	6	these	these	DET
ajbmeb-2153	37	7	strategies	strategy	NOUN
ajbmeb-2153	37	8	in	in	ADP
ajbmeb-2153	37	9	detail	detail	NOUN
ajbmeb-2153	37	10	,	,	PUNCT
ajbmeb-2153	37	11	providing	provide	VERB
ajbmeb-2153	37	12	insights	insight	NOUN
ajbmeb-2153	37	13	into	into	ADP
ajbmeb-2153	37	14	how	how	SCONJ
ajbmeb-2153	37	15	banks	bank	NOUN
ajbmeb-2153	37	16	can	can	AUX
ajbmeb-2153	37	17	enhance	enhance	VERB
ajbmeb-2153	37	18	the	the	DET
ajbmeb-2153	37	19	efficiency	efficiency	NOUN
ajbmeb-2153	37	20	of	of	ADP
ajbmeb-2153	37	21	their	their	PRON
ajbmeb-2153	37	22	problem	problem	NOUN
ajbmeb-2153	37	23	loan	loan	NOUN
ajbmeb-2153	37	24	management	management	NOUN
ajbmeb-2153	37	25	practices	practice	NOUN
ajbmeb-2153	37	26	.	.	PUNCT
ajbmeb-2153	38	1	by	by	ADP
ajbmeb-2153	38	2	adopting	adopt	VERB
ajbmeb-2153	38	3	a	a	DET
ajbmeb-2153	38	4	proactive	proactive	ADJ
ajbmeb-2153	38	5	and	and	CCONJ
ajbmeb-2153	38	6	multi	multi	ADJ
ajbmeb-2153	38	7	-	-	ADJ
ajbmeb-2153	38	8	faceted	faceted	ADJ
ajbmeb-2153	38	9	approach	approach	NOUN
ajbmeb-2153	38	10	,	,	PUNCT
ajbmeb-2153	38	11	banks	bank	NOUN
ajbmeb-2153	38	12	can	can	AUX
ajbmeb-2153	38	13	mitigate	mitigate	VERB
ajbmeb-2153	38	14	the	the	DET
ajbmeb-2153	38	15	risks	risk	NOUN
ajbmeb-2153	38	16	associated	associate	VERB
ajbmeb-2153	38	17	with	with	ADP
ajbmeb-2153	38	18	npls	npls	NOUN
ajbmeb-2153	38	19	,	,	PUNCT
ajbmeb-2153	38	20	ensuring	ensure	VERB
ajbmeb-2153	38	21	their	their	PRON
ajbmeb-2153	38	22	own	own	ADJ
ajbmeb-2153	38	23	stability	stability	NOUN
ajbmeb-2153	38	24	and	and	CCONJ
ajbmeb-2153	38	25	contributing	contribute	VERB
ajbmeb-2153	38	26	to	to	ADP
ajbmeb-2153	38	27	the	the	DET
ajbmeb-2153	38	28	resilience	resilience	NOUN
ajbmeb-2153	38	29	of	of	ADP
ajbmeb-2153	38	30	the	the	DET
ajbmeb-2153	38	31	financial	financial	ADJ
ajbmeb-2153	38	32	system	system	NOUN
ajbmeb-2153	38	33	as	as	ADP
ajbmeb-2153	38	34	a	a	DET
ajbmeb-2153	38	35	whole	whole	NOUN
ajbmeb-2153	38	36	.	.	PUNCT
ajbmeb-2153	39	1	the	the	DET
ajbmeb-2153	39	2	subsequent	subsequent	ADJ
ajbmeb-2153	39	3	sections	section	NOUN
ajbmeb-2153	39	4	will	will	AUX
ajbmeb-2153	39	5	delve	delve	VERB
ajbmeb-2153	39	6	into	into	ADP
ajbmeb-2153	39	7	the	the	DET
ajbmeb-2153	39	8	specific	specific	ADJ
ajbmeb-2153	39	9	strategies	strategy	NOUN
ajbmeb-2153	39	10	banks	bank	NOUN
ajbmeb-2153	39	11	can	can	AUX
ajbmeb-2153	39	12	employ	employ	VERB
ajbmeb-2153	39	13	,	,	PUNCT
ajbmeb-2153	39	14	supported	support	VERB
ajbmeb-2153	39	15	by	by	ADP
ajbmeb-2153	39	16	case	case	NOUN
ajbmeb-2153	39	17	studies	study	NOUN
ajbmeb-2153	39	18	and	and	CCONJ
ajbmeb-2153	39	19	practical	practical	ADJ
ajbmeb-2153	39	20	examples	example	NOUN
ajbmeb-2153	39	21	from	from	ADP
ajbmeb-2153	39	22	past	past	ADJ
ajbmeb-2153	39	23	financial	financial	ADJ
ajbmeb-2153	39	24	crises	crisis	NOUN
ajbmeb-2153	39	25	.	.	PUNCT
ajbmeb-2153	40	1	by	by	ADP
ajbmeb-2153	40	2	understanding	understand	VERB
ajbmeb-2153	40	3	and	and	CCONJ
ajbmeb-2153	40	4	implementing	implement	VERB
ajbmeb-2153	40	5	these	these	DET
ajbmeb-2153	40	6	best	good	ADJ
ajbmeb-2153	40	7	practices	practice	NOUN
ajbmeb-2153	40	8	,	,	PUNCT
ajbmeb-2153	40	9	banks	bank	NOUN
ajbmeb-2153	40	10	can	can	AUX
ajbmeb-2153	40	11	navigate	navigate	VERB
ajbmeb-2153	40	12	the	the	DET
ajbmeb-2153	40	13	challenges	challenge	NOUN
ajbmeb-2153	40	14	posed	pose	VERB
ajbmeb-2153	40	15	by	by	ADP
ajbmeb-2153	40	16	problem	problem	NOUN
ajbmeb-2153	40	17	loans	loan	NOUN
ajbmeb-2153	40	18	and	and	CCONJ
ajbmeb-2153	40	19	emerge	emerge	VERB
ajbmeb-2153	40	20	stronger	strong	ADJ
ajbmeb-2153	40	21	and	and	CCONJ
ajbmeb-2153	40	22	more	more	ADV
ajbmeb-2153	40	23	resilient	resilient	ADJ
ajbmeb-2153	40	24	in	in	ADP
ajbmeb-2153	40	25	the	the	DET
ajbmeb-2153	40	26	face	face	NOUN
ajbmeb-2153	40	27	of	of	ADP
ajbmeb-2153	40	28	economic	economic	ADJ
ajbmeb-2153	40	29	uncertainties	uncertainty	NOUN
ajbmeb-2153	40	30	.	.	PUNCT
ajbmeb-2153	41	1	understanding	understand	VERB
ajbmeb-2153	41	2	problem	problem	NOUN
ajbmeb-2153	41	3	loans	loan	NOUN
ajbmeb-2153	41	4	problem	problem	NOUN
ajbmeb-2153	41	5	loans	loan	NOUN
ajbmeb-2153	41	6	,	,	PUNCT
ajbmeb-2153	41	7	also	also	ADV
ajbmeb-2153	41	8	known	know	VERB
ajbmeb-2153	41	9	as	as	ADP
ajbmeb-2153	41	10	non	non	ADJ
ajbmeb-2153	41	11	-	-	ADJ
ajbmeb-2153	41	12	performing	performing	ADJ
ajbmeb-2153	41	13	loans	loan	NOUN
ajbmeb-2153	41	14	(	(	PUNCT
ajbmeb-2153	41	15	npls	npls	NOUN
ajbmeb-2153	41	16	)	)	PUNCT
ajbmeb-2153	41	17	,	,	PUNCT
ajbmeb-2153	41	18	are	be	AUX
ajbmeb-2153	41	19	a	a	DET
ajbmeb-2153	41	20	significant	significant	ADJ
ajbmeb-2153	41	21	concern	concern	NOUN
ajbmeb-2153	41	22	for	for	ADP
ajbmeb-2153	41	23	banks	bank	NOUN
ajbmeb-2153	41	24	and	and	CCONJ
ajbmeb-2153	41	25	financial	financial	ADJ
ajbmeb-2153	41	26	institutions	institution	NOUN
ajbmeb-2153	41	27	.	.	PUNCT
ajbmeb-2153	42	1	these	these	DET
ajbmeb-2153	42	2	loans	loan	NOUN
ajbmeb-2153	42	3	are	be	AUX
ajbmeb-2153	42	4	characterized	characterize	VERB
ajbmeb-2153	42	5	by	by	ADP
ajbmeb-2153	42	6	a	a	DET
ajbmeb-2153	42	7	borrower	borrower	NOUN
ajbmeb-2153	42	8	’s	’s	PART
ajbmeb-2153	42	9	inability	inability	NOUN
ajbmeb-2153	42	10	to	to	PART
ajbmeb-2153	42	11	meet	meet	VERB
ajbmeb-2153	42	12	the	the	DET
ajbmeb-2153	42	13	scheduled	schedule	VERB
ajbmeb-2153	42	14	payments	payment	NOUN
ajbmeb-2153	42	15	of	of	ADP
ajbmeb-2153	42	16	principal	principal	NOUN
ajbmeb-2153	42	17	and	and	CCONJ
ajbmeb-2153	42	18	interest	interest	NOUN
ajbmeb-2153	42	19	,	,	PUNCT
ajbmeb-2153	42	20	posing	pose	VERB
ajbmeb-2153	42	21	a	a	DET
ajbmeb-2153	42	22	risk	risk	NOUN
ajbmeb-2153	42	23	to	to	ADP
ajbmeb-2153	42	24	the	the	DET
ajbmeb-2153	42	25	lender	lender	NOUN
ajbmeb-2153	42	26	’s	’s	PART
ajbmeb-2153	42	27	financial	financial	ADJ
ajbmeb-2153	42	28	health	health	NOUN
ajbmeb-2153	42	29	.	.	PUNCT
ajbmeb-2153	43	1	understanding	understand	VERB
ajbmeb-2153	43	2	the	the	DET
ajbmeb-2153	43	3	nature	nature	NOUN
ajbmeb-2153	43	4	,	,	PUNCT
ajbmeb-2153	43	5	causes	cause	NOUN
ajbmeb-2153	43	6	,	,	PUNCT
ajbmeb-2153	43	7	and	and	CCONJ
ajbmeb-2153	43	8	implications	implication	NOUN
ajbmeb-2153	43	9	of	of	ADP
ajbmeb-2153	43	10	problem	problem	NOUN
ajbmeb-2153	43	11	loans	loan	NOUN
ajbmeb-2153	43	12	is	be	AUX
ajbmeb-2153	43	13	crucial	crucial	ADJ
ajbmeb-2153	43	14	for	for	ADP
ajbmeb-2153	43	15	developing	develop	VERB
ajbmeb-2153	43	16	effective	effective	ADJ
ajbmeb-2153	43	17	management	management	NOUN
ajbmeb-2153	43	18	strategies	strategy	NOUN
ajbmeb-2153	43	19	.	.	PUNCT
ajbmeb-2153	44	1	definition	definition	NOUN
ajbmeb-2153	44	2	and	and	CCONJ
ajbmeb-2153	44	3	classification	classification	NOUN
ajbmeb-2153	44	4	a	a	DET
ajbmeb-2153	44	5	loan	loan	NOUN
ajbmeb-2153	44	6	is	be	AUX
ajbmeb-2153	44	7	typically	typically	ADV
ajbmeb-2153	44	8	classified	classify	VERB
ajbmeb-2153	44	9	as	as	ADP
ajbmeb-2153	44	10	non	non	ADJ
ajbmeb-2153	44	11	-	-	ADJ
ajbmeb-2153	44	12	performing	perform	VERB
ajbmeb-2153	44	13	when	when	SCONJ
ajbmeb-2153	44	14	payments	payment	NOUN
ajbmeb-2153	44	15	of	of	ADP
ajbmeb-2153	44	16	interest	interest	NOUN
ajbmeb-2153	44	17	and	and	CCONJ
ajbmeb-2153	44	18	principal	principal	NOUN
ajbmeb-2153	44	19	are	be	AUX
ajbmeb-2153	44	20	overdue	overdue	ADJ
ajbmeb-2153	44	21	by	by	ADP
ajbmeb-2153	44	22	90	90	NUM
ajbmeb-2153	44	23	days	day	NOUN
ajbmeb-2153	44	24	or	or	CCONJ
ajbmeb-2153	44	25	more	more	ADJ
ajbmeb-2153	44	26	,	,	PUNCT
ajbmeb-2153	44	27	or	or	CCONJ
ajbmeb-2153	44	28	if	if	SCONJ
ajbmeb-2153	44	29	it	it	PRON
ajbmeb-2153	44	30	is	be	AUX
ajbmeb-2153	44	31	unlikely	unlikely	ADJ
ajbmeb-2153	44	32	that	that	SCONJ
ajbmeb-2153	44	33	the	the	DET
ajbmeb-2153	44	34	borrower	borrower	NOUN
ajbmeb-2153	44	35	will	will	AUX
ajbmeb-2153	44	36	repay	repay	VERB
ajbmeb-2153	44	37	the	the	DET
ajbmeb-2153	44	38	full	full	ADJ
ajbmeb-2153	44	39	amount	amount	NOUN
ajbmeb-2153	44	40	without	without	ADP
ajbmeb-2153	44	41	the	the	DET
ajbmeb-2153	44	42	bank	bank	NOUN
ajbmeb-2153	44	43	taking	take	VERB
ajbmeb-2153	44	44	legal	legal	ADJ
ajbmeb-2153	44	45	action	action	NOUN
ajbmeb-2153	44	46	to	to	PART
ajbmeb-2153	44	47	enforce	enforce	VERB
ajbmeb-2153	44	48	the	the	DET
ajbmeb-2153	44	49	loan	loan	NOUN
ajbmeb-2153	44	50	terms	term	NOUN
ajbmeb-2153	44	51	.	.	PUNCT
ajbmeb-2153	45	1	there	there	PRON
ajbmeb-2153	45	2	are	be	VERB
ajbmeb-2153	45	3	different	different	ADJ
ajbmeb-2153	45	4	stages	stage	NOUN
ajbmeb-2153	45	5	of	of	ADP
ajbmeb-2153	45	6	delinquency	delinquency	NOUN
ajbmeb-2153	45	7	that	that	SCONJ
ajbmeb-2153	45	8	a	a	DET
ajbmeb-2153	45	9	loan	loan	NOUN
ajbmeb-2153	45	10	can	can	AUX
ajbmeb-2153	45	11	go	go	VERB
ajbmeb-2153	45	12	through	through	ADP
ajbmeb-2153	45	13	before	before	ADP
ajbmeb-2153	45	14	being	be	AUX
ajbmeb-2153	45	15	classified	classify	VERB
ajbmeb-2153	45	16	as	as	ADP
ajbmeb-2153	45	17	an	an	DET
ajbmeb-2153	45	18	npl	npl	NOUN
ajbmeb-2153	45	19	:	:	PUNCT
ajbmeb-2153	45	20	1	1	X
ajbmeb-2153	45	21	.	.	X
ajbmeb-2153	45	22	performing	perform	VERB
ajbmeb-2153	45	23	loans	loan	NOUN
ajbmeb-2153	45	24	:	:	PUNCT
ajbmeb-2153	45	25	loans	loan	NOUN
ajbmeb-2153	45	26	where	where	SCONJ
ajbmeb-2153	45	27	borrowers	borrower	NOUN
ajbmeb-2153	45	28	are	be	AUX
ajbmeb-2153	45	29	making	make	VERB
ajbmeb-2153	45	30	timely	timely	ADJ
ajbmeb-2153	45	31	payments	payment	NOUN
ajbmeb-2153	45	32	.	.	PUNCT
ajbmeb-2153	46	1	2	2	X
ajbmeb-2153	46	2	.	.	X
ajbmeb-2153	46	3	special	special	ADJ
ajbmeb-2153	46	4	mention	mention	NOUN
ajbmeb-2153	46	5	loans	loan	NOUN
ajbmeb-2153	46	6	:	:	PUNCT
ajbmeb-2153	46	7	loans	loan	NOUN
ajbmeb-2153	46	8	that	that	PRON
ajbmeb-2153	46	9	exhibit	exhibit	VERB
ajbmeb-2153	46	10	potential	potential	ADJ
ajbmeb-2153	46	11	weaknesses	weakness	NOUN
ajbmeb-2153	46	12	that	that	PRON
ajbmeb-2153	46	13	deserve	deserve	VERB
ajbmeb-2153	46	14	management	management	NOUN
ajbmeb-2153	46	15	's	's	PART
ajbmeb-2153	46	16	close	close	ADJ
ajbmeb-2153	46	17	attention	attention	NOUN
ajbmeb-2153	46	18	but	but	CCONJ
ajbmeb-2153	46	19	are	be	AUX
ajbmeb-2153	46	20	not	not	PART
ajbmeb-2153	46	21	yet	yet	ADV
ajbmeb-2153	46	22	impaired	impaired	ADJ
ajbmeb-2153	46	23	.	.	PUNCT
ajbmeb-2153	47	1	3	3	X
ajbmeb-2153	47	2	.	.	X
ajbmeb-2153	47	3	substandard	substandard	ADJ
ajbmeb-2153	47	4	loans	loan	NOUN
ajbmeb-2153	47	5	:	:	PUNCT
ajbmeb-2153	47	6	loans	loan	NOUN
ajbmeb-2153	47	7	that	that	PRON
ajbmeb-2153	47	8	are	be	AUX
ajbmeb-2153	47	9	inadequately	inadequately	ADV
ajbmeb-2153	47	10	protected	protect	VERB
ajbmeb-2153	47	11	by	by	ADP
ajbmeb-2153	47	12	the	the	DET
ajbmeb-2153	47	13	current	current	ADJ
ajbmeb-2153	47	14	sound	sound	NOUN
ajbmeb-2153	47	15	worth	worth	ADJ
ajbmeb-2153	47	16	and	and	CCONJ
ajbmeb-2153	47	17	paying	pay	VERB
ajbmeb-2153	47	18	capacity	capacity	NOUN
ajbmeb-2153	47	19	of	of	ADP
ajbmeb-2153	47	20	the	the	DET
ajbmeb-2153	47	21	obligor	obligor	NOUN
ajbmeb-2153	47	22	.	.	PUNCT
ajbmeb-2153	48	1	4	4	X
ajbmeb-2153	48	2	.	.	X
ajbmeb-2153	48	3	doubtful	doubtful	ADJ
ajbmeb-2153	48	4	loans	loan	NOUN
ajbmeb-2153	48	5	:	:	PUNCT
ajbmeb-2153	48	6	loans	loan	NOUN
ajbmeb-2153	48	7	where	where	SCONJ
ajbmeb-2153	48	8	full	full	ADJ
ajbmeb-2153	48	9	repayment	repayment	NOUN
ajbmeb-2153	48	10	is	be	AUX
ajbmeb-2153	48	11	highly	highly	ADV
ajbmeb-2153	48	12	questionable	questionable	ADJ
ajbmeb-2153	48	13	and	and	CCONJ
ajbmeb-2153	48	14	improbable	improbable	ADJ
ajbmeb-2153	48	15	.	.	PUNCT
ajbmeb-2153	49	1	american	american	ADJ
ajbmeb-2153	49	2	journal	journal	PROPN
ajbmeb-2153	49	3	of	of	ADP
ajbmeb-2153	49	4	business	business	NOUN
ajbmeb-2153	49	5	management	management	NOUN
ajbmeb-2153	49	6	,	,	PUNCT
ajbmeb-2153	49	7	economics	economic	NOUN
ajbmeb-2153	49	8	and	and	CCONJ
ajbmeb-2153	49	9	banking	banking	NOUN
ajbmeb-2153	49	10	volume	volume	NOUN
ajbmeb-2153	49	11	24	24	NUM
ajbmeb-2153	49	12	may	may	PROPN
ajbmeb-2153	49	13	2024	2024	NUM
ajbmeb-2153	49	14	p	p	NOUN
ajbmeb-2153	49	15	a	a	DET
ajbmeb-2153	49	16	g	g	NOUN
ajbmeb-2153	49	17	e	e	NOUN
ajbmeb-2153	49	18	|	|	ADV
ajbmeb-2153	49	19	150	150	NUM
ajbmeb-2153	49	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2153	49	21	5	5	NUM
ajbmeb-2153	49	22	.	.	PUNCT
ajbmeb-2153	50	1	loss	loss	NOUN
ajbmeb-2153	50	2	loans	loan	NOUN
ajbmeb-2153	50	3	:	:	PUNCT
ajbmeb-2153	50	4	loans	loan	NOUN
ajbmeb-2153	50	5	that	that	PRON
ajbmeb-2153	50	6	are	be	AUX
ajbmeb-2153	50	7	considered	consider	VERB
ajbmeb-2153	50	8	uncollectible	uncollectible	ADJ
ajbmeb-2153	50	9	and	and	CCONJ
ajbmeb-2153	50	10	of	of	ADP
ajbmeb-2153	50	11	such	such	ADJ
ajbmeb-2153	50	12	little	little	ADJ
ajbmeb-2153	50	13	value	value	NOUN
ajbmeb-2153	50	14	that	that	PRON
ajbmeb-2153	50	15	their	their	PRON
ajbmeb-2153	50	16	continuance	continuance	NOUN
ajbmeb-2153	50	17	as	as	ADP
ajbmeb-2153	50	18	bankable	bankable	ADJ
ajbmeb-2153	50	19	assets	asset	NOUN
ajbmeb-2153	50	20	is	be	AUX
ajbmeb-2153	50	21	not	not	PART
ajbmeb-2153	50	22	warranted	warrant	VERB
ajbmeb-2153	50	23	.	.	PUNCT
ajbmeb-2153	51	1	causes	cause	NOUN
ajbmeb-2153	51	2	of	of	ADP
ajbmeb-2153	51	3	problem	problem	NOUN
ajbmeb-2153	51	4	loans	loan	NOUN
ajbmeb-2153	51	5	several	several	ADJ
ajbmeb-2153	51	6	factors	factor	NOUN
ajbmeb-2153	51	7	can	can	AUX
ajbmeb-2153	51	8	lead	lead	VERB
ajbmeb-2153	51	9	to	to	ADP
ajbmeb-2153	51	10	the	the	DET
ajbmeb-2153	51	11	emergence	emergence	NOUN
ajbmeb-2153	51	12	of	of	ADP
ajbmeb-2153	51	13	problem	problem	NOUN
ajbmeb-2153	51	14	loans	loan	NOUN
ajbmeb-2153	51	15	,	,	PUNCT
ajbmeb-2153	51	16	and	and	CCONJ
ajbmeb-2153	51	17	these	these	PRON
ajbmeb-2153	51	18	can	can	AUX
ajbmeb-2153	51	19	be	be	AUX
ajbmeb-2153	51	20	broadly	broadly	ADV
ajbmeb-2153	51	21	categorized	categorize	VERB
ajbmeb-2153	51	22	into	into	ADP
ajbmeb-2153	51	23	external	external	ADJ
ajbmeb-2153	51	24	and	and	CCONJ
ajbmeb-2153	51	25	internal	internal	ADJ
ajbmeb-2153	51	26	factors	factor	NOUN
ajbmeb-2153	51	27	:	:	PUNCT
ajbmeb-2153	51	28	economic	economic	ADJ
ajbmeb-2153	51	29	downturns	downturn	NOUN
ajbmeb-2153	51	30	:	:	PUNCT
ajbmeb-2153	51	31	economic	economic	ADJ
ajbmeb-2153	51	32	recessions	recession	NOUN
ajbmeb-2153	51	33	or	or	CCONJ
ajbmeb-2153	51	34	slowdowns	slowdown	NOUN
ajbmeb-2153	51	35	can	can	AUX
ajbmeb-2153	51	36	lead	lead	VERB
ajbmeb-2153	51	37	to	to	ADP
ajbmeb-2153	51	38	a	a	DET
ajbmeb-2153	51	39	rise	rise	NOUN
ajbmeb-2153	51	40	in	in	ADP
ajbmeb-2153	51	41	unemployment	unemployment	NOUN
ajbmeb-2153	51	42	and	and	CCONJ
ajbmeb-2153	51	43	business	business	NOUN
ajbmeb-2153	51	44	failures	failure	NOUN
ajbmeb-2153	51	45	,	,	PUNCT
ajbmeb-2153	51	46	affecting	affect	VERB
ajbmeb-2153	51	47	borrowers	borrower	NOUN
ajbmeb-2153	51	48	'	'	PART
ajbmeb-2153	51	49	ability	ability	NOUN
ajbmeb-2153	51	50	to	to	PART
ajbmeb-2153	51	51	repay	repay	VERB
ajbmeb-2153	51	52	loans	loan	NOUN
ajbmeb-2153	51	53	.	.	PUNCT
ajbmeb-2153	52	1	market	market	NOUN
ajbmeb-2153	52	2	conditions	condition	NOUN
ajbmeb-2153	52	3	:	:	PUNCT
ajbmeb-2153	52	4	changes	change	NOUN
ajbmeb-2153	52	5	in	in	ADP
ajbmeb-2153	52	6	market	market	NOUN
ajbmeb-2153	52	7	conditions	condition	NOUN
ajbmeb-2153	52	8	,	,	PUNCT
ajbmeb-2153	52	9	such	such	ADJ
ajbmeb-2153	52	10	as	as	ADP
ajbmeb-2153	52	11	falling	fall	VERB
ajbmeb-2153	52	12	commodity	commodity	NOUN
ajbmeb-2153	52	13	prices	price	NOUN
ajbmeb-2153	52	14	or	or	CCONJ
ajbmeb-2153	52	15	real	real	ADJ
ajbmeb-2153	52	16	estate	estate	NOUN
ajbmeb-2153	52	17	values	value	NOUN
ajbmeb-2153	52	18	,	,	PUNCT
ajbmeb-2153	52	19	can	can	AUX
ajbmeb-2153	52	20	reduce	reduce	VERB
ajbmeb-2153	52	21	borrowers	borrower	NOUN
ajbmeb-2153	52	22	'	'	PART
ajbmeb-2153	52	23	income	income	NOUN
ajbmeb-2153	52	24	and	and	CCONJ
ajbmeb-2153	52	25	asset	asset	NOUN
ajbmeb-2153	52	26	values	value	NOUN
ajbmeb-2153	52	27	,	,	PUNCT
ajbmeb-2153	52	28	impacting	impact	VERB
ajbmeb-2153	52	29	their	their	PRON
ajbmeb-2153	52	30	repayment	repayment	NOUN
ajbmeb-2153	52	31	capacity	capacity	NOUN
ajbmeb-2153	52	32	.	.	PUNCT
ajbmeb-2153	53	1	regulatory	regulatory	ADJ
ajbmeb-2153	53	2	changes	change	NOUN
ajbmeb-2153	53	3	:	:	PUNCT
ajbmeb-2153	53	4	new	new	ADJ
ajbmeb-2153	53	5	regulations	regulation	NOUN
ajbmeb-2153	53	6	or	or	CCONJ
ajbmeb-2153	53	7	changes	change	NOUN
ajbmeb-2153	53	8	in	in	ADP
ajbmeb-2153	53	9	existing	exist	VERB
ajbmeb-2153	53	10	ones	one	NOUN
ajbmeb-2153	53	11	can	can	AUX
ajbmeb-2153	53	12	affect	affect	VERB
ajbmeb-2153	53	13	borrowers	borrower	NOUN
ajbmeb-2153	53	14	'	'	PART
ajbmeb-2153	53	15	operations	operation	NOUN
ajbmeb-2153	53	16	,	,	PUNCT
ajbmeb-2153	53	17	making	make	VERB
ajbmeb-2153	53	18	it	it	PRON
ajbmeb-2153	53	19	difficult	difficult	ADJ
ajbmeb-2153	53	20	for	for	SCONJ
ajbmeb-2153	53	21	them	they	PRON
ajbmeb-2153	53	22	to	to	PART
ajbmeb-2153	53	23	service	service	VERB
ajbmeb-2153	53	24	their	their	PRON
ajbmeb-2153	53	25	debts	debt	NOUN
ajbmeb-2153	53	26	.	.	PUNCT
ajbmeb-2153	54	1	external	external	ADJ
ajbmeb-2153	54	2	factors	factor	NOUN
ajbmeb-2153	54	3	economic	economic	ADJ
ajbmeb-2153	54	4	downturns	downturn	NOUN
ajbmeb-2153	54	5	market	market	NOUN
ajbmeb-2153	54	6	conditions	condition	NOUN
ajbmeb-2153	54	7	regulatory	regulatory	ADJ
ajbmeb-2153	54	8	changes	change	NOUN
ajbmeb-2153	54	9	internal	internal	ADJ
ajbmeb-2153	54	10	factors	factor	NOUN
ajbmeb-2153	54	11	poor	poor	ADJ
ajbmeb-2153	54	12	credit	credit	NOUN
ajbmeb-2153	54	13	assessment	assessment	NOUN
ajbmeb-2153	54	14	inefficient	inefficient	ADJ
ajbmeb-2153	54	15	loan	loan	NOUN
ajbmeb-2153	54	16	monitoring	monitoring	NOUN
ajbmeb-2153	54	17	mismanagement	mismanagement	ADJ
ajbmeb-2153	54	18	american	american	ADJ
ajbmeb-2153	54	19	journal	journal	PROPN
ajbmeb-2153	54	20	of	of	ADP
ajbmeb-2153	54	21	business	business	NOUN
ajbmeb-2153	54	22	management	management	NOUN
ajbmeb-2153	54	23	,	,	PUNCT
ajbmeb-2153	54	24	economics	economic	NOUN
ajbmeb-2153	54	25	and	and	CCONJ
ajbmeb-2153	54	26	banking	banking	NOUN
ajbmeb-2153	54	27	volume	volume	NOUN
ajbmeb-2153	54	28	24	24	NUM
ajbmeb-2153	54	29	may	may	PROPN
ajbmeb-2153	54	30	2024	2024	NUM
ajbmeb-2153	54	31	p	p	NOUN
ajbmeb-2153	55	1	a	a	DET
ajbmeb-2153	55	2	g	g	NOUN
ajbmeb-2153	55	3	e	e	NOUN
ajbmeb-2153	55	4	|	|	NOUN
ajbmeb-2153	55	5	151	151	NUM
ajbmeb-2153	55	6	www.americanjournal.org	www.americanjournal.org	ADJ
ajbmeb-2153	55	7	poor	poor	ADJ
ajbmeb-2153	55	8	credit	credit	NOUN
ajbmeb-2153	55	9	assessment	assessment	NOUN
ajbmeb-2153	55	10	:	:	PUNCT
ajbmeb-2153	55	11	inadequate	inadequate	ADJ
ajbmeb-2153	55	12	assessment	assessment	NOUN
ajbmeb-2153	55	13	of	of	ADP
ajbmeb-2153	55	14	borrowers	borrower	NOUN
ajbmeb-2153	55	15	'	'	PART
ajbmeb-2153	55	16	creditworthiness	creditworthiness	NOUN
ajbmeb-2153	55	17	at	at	ADP
ajbmeb-2153	55	18	the	the	DET
ajbmeb-2153	55	19	time	time	NOUN
ajbmeb-2153	55	20	of	of	ADP
ajbmeb-2153	55	21	loan	loan	NOUN
ajbmeb-2153	55	22	origination	origination	NOUN
ajbmeb-2153	55	23	can	can	AUX
ajbmeb-2153	55	24	lead	lead	VERB
ajbmeb-2153	55	25	to	to	ADP
ajbmeb-2153	55	26	loans	loan	NOUN
ajbmeb-2153	55	27	being	be	AUX
ajbmeb-2153	55	28	extended	extend	VERB
ajbmeb-2153	55	29	to	to	ADP
ajbmeb-2153	55	30	high	high	ADJ
ajbmeb-2153	55	31	-	-	PUNCT
ajbmeb-2153	55	32	risk	risk	NOUN
ajbmeb-2153	55	33	borrowers	borrower	NOUN
ajbmeb-2153	55	34	.	.	PUNCT
ajbmeb-2153	56	1	inefficient	inefficient	ADJ
ajbmeb-2153	56	2	loan	loan	NOUN
ajbmeb-2153	56	3	monitoring	monitoring	NOUN
ajbmeb-2153	56	4	:	:	PUNCT
ajbmeb-2153	56	5	lack	lack	NOUN
ajbmeb-2153	56	6	of	of	ADP
ajbmeb-2153	56	7	regular	regular	ADJ
ajbmeb-2153	56	8	monitoring	monitoring	NOUN
ajbmeb-2153	56	9	and	and	CCONJ
ajbmeb-2153	56	10	follow	follow	VERB
ajbmeb-2153	56	11	-	-	PUNCT
ajbmeb-2153	56	12	up	up	NOUN
ajbmeb-2153	56	13	on	on	ADP
ajbmeb-2153	56	14	loan	loan	NOUN
ajbmeb-2153	56	15	performance	performance	NOUN
ajbmeb-2153	56	16	can	can	AUX
ajbmeb-2153	56	17	result	result	VERB
ajbmeb-2153	56	18	in	in	ADP
ajbmeb-2153	56	19	delayed	delay	VERB
ajbmeb-2153	56	20	identification	identification	NOUN
ajbmeb-2153	56	21	of	of	ADP
ajbmeb-2153	56	22	emerging	emerge	VERB
ajbmeb-2153	56	23	problems	problem	NOUN
ajbmeb-2153	56	24	.	.	PUNCT
ajbmeb-2153	57	1	mismanagement	mismanagement	NOUN
ajbmeb-2153	57	2	:	:	PUNCT
ajbmeb-2153	57	3	poor	poor	ADJ
ajbmeb-2153	57	4	management	management	NOUN
ajbmeb-2153	57	5	practices	practice	NOUN
ajbmeb-2153	57	6	within	within	ADP
ajbmeb-2153	57	7	the	the	DET
ajbmeb-2153	57	8	borrowing	borrowing	NOUN
ajbmeb-2153	57	9	entity	entity	NOUN
ajbmeb-2153	57	10	can	can	AUX
ajbmeb-2153	57	11	lead	lead	VERB
ajbmeb-2153	57	12	to	to	ADP
ajbmeb-2153	57	13	operational	operational	ADJ
ajbmeb-2153	57	14	inefficiencies	inefficiency	NOUN
ajbmeb-2153	57	15	and	and	CCONJ
ajbmeb-2153	57	16	financial	financial	ADJ
ajbmeb-2153	57	17	distress	distress	NOUN
ajbmeb-2153	57	18	.	.	PUNCT
ajbmeb-2153	58	1	implications	implication	NOUN
ajbmeb-2153	58	2	of	of	ADP
ajbmeb-2153	58	3	problem	problem	NOUN
ajbmeb-2153	58	4	loans	loan	VERB
ajbmeb-2153	58	5	high	high	ADJ
ajbmeb-2153	58	6	levels	level	NOUN
ajbmeb-2153	58	7	of	of	ADP
ajbmeb-2153	58	8	problem	problem	NOUN
ajbmeb-2153	58	9	loans	loan	NOUN
ajbmeb-2153	58	10	can	can	AUX
ajbmeb-2153	58	11	have	have	VERB
ajbmeb-2153	58	12	severe	severe	ADJ
ajbmeb-2153	58	13	implications	implication	NOUN
ajbmeb-2153	58	14	for	for	ADP
ajbmeb-2153	58	15	banks	bank	NOUN
ajbmeb-2153	58	16	and	and	CCONJ
ajbmeb-2153	58	17	the	the	DET
ajbmeb-2153	58	18	broader	broad	ADJ
ajbmeb-2153	58	19	economy	economy	NOUN
ajbmeb-2153	58	20	:	:	PUNCT
ajbmeb-2153	58	21	➢	➢	VERB
ajbmeb-2153	58	22	financial	financial	ADJ
ajbmeb-2153	58	23	stability	stability	NOUN
ajbmeb-2153	58	24	:	:	PUNCT
ajbmeb-2153	58	25	npls	npls	PROPN
ajbmeb-2153	58	26	erode	erode	VERB
ajbmeb-2153	58	27	a	a	DET
ajbmeb-2153	58	28	bank	bank	NOUN
ajbmeb-2153	58	29	’s	’s	PART
ajbmeb-2153	58	30	capital	capital	NOUN
ajbmeb-2153	58	31	base	base	NOUN
ajbmeb-2153	58	32	,	,	PUNCT
ajbmeb-2153	58	33	reducing	reduce	VERB
ajbmeb-2153	58	34	its	its	PRON
ajbmeb-2153	58	35	ability	ability	NOUN
ajbmeb-2153	58	36	to	to	PART
ajbmeb-2153	58	37	absorb	absorb	VERB
ajbmeb-2153	58	38	losses	loss	NOUN
ajbmeb-2153	58	39	and	and	CCONJ
ajbmeb-2153	58	40	undermining	undermine	VERB
ajbmeb-2153	58	41	financial	financial	ADJ
ajbmeb-2153	58	42	stability	stability	NOUN
ajbmeb-2153	58	43	.	.	PUNCT
ajbmeb-2153	59	1	➢	➢	VERB
ajbmeb-2153	59	2	liquidity	liquidity	NOUN
ajbmeb-2153	59	3	constraints	constraint	NOUN
ajbmeb-2153	59	4	:	:	PUNCT
ajbmeb-2153	59	5	problem	problem	NOUN
ajbmeb-2153	59	6	loans	loan	NOUN
ajbmeb-2153	59	7	tie	tie	VERB
ajbmeb-2153	59	8	up	up	ADP
ajbmeb-2153	59	9	capital	capital	NOUN
ajbmeb-2153	59	10	,	,	PUNCT
ajbmeb-2153	59	11	limiting	limit	VERB
ajbmeb-2153	59	12	the	the	DET
ajbmeb-2153	59	13	bank	bank	NOUN
ajbmeb-2153	59	14	’s	’s	PART
ajbmeb-2153	59	15	ability	ability	NOUN
ajbmeb-2153	59	16	to	to	PART
ajbmeb-2153	59	17	lend	lend	VERB
ajbmeb-2153	59	18	to	to	ADP
ajbmeb-2153	59	19	other	other	ADJ
ajbmeb-2153	59	20	borrowers	borrower	NOUN
ajbmeb-2153	59	21	and	and	CCONJ
ajbmeb-2153	59	22	potentially	potentially	ADV
ajbmeb-2153	59	23	leading	lead	VERB
ajbmeb-2153	59	24	to	to	ADP
ajbmeb-2153	59	25	liquidity	liquidity	NOUN
ajbmeb-2153	59	26	shortages	shortage	NOUN
ajbmeb-2153	59	27	.	.	PUNCT
ajbmeb-2153	60	1	➢	➢	VERB
ajbmeb-2153	60	2	profitability	profitability	NOUN
ajbmeb-2153	60	3	impact	impact	NOUN
ajbmeb-2153	60	4	:	:	PUNCT
ajbmeb-2153	60	5	increased	increase	VERB
ajbmeb-2153	60	6	provisioning	provisioning	NOUN
ajbmeb-2153	60	7	for	for	ADP
ajbmeb-2153	60	8	loan	loan	NOUN
ajbmeb-2153	60	9	losses	loss	NOUN
ajbmeb-2153	60	10	reduces	reduce	VERB
ajbmeb-2153	60	11	the	the	DET
ajbmeb-2153	60	12	bank	bank	NOUN
ajbmeb-2153	60	13	's	's	PART
ajbmeb-2153	60	14	profitability	profitability	NOUN
ajbmeb-2153	60	15	,	,	PUNCT
ajbmeb-2153	60	16	impacting	impact	VERB
ajbmeb-2153	60	17	its	its	PRON
ajbmeb-2153	60	18	earnings	earning	NOUN
ajbmeb-2153	60	19	and	and	CCONJ
ajbmeb-2153	60	20	return	return	NOUN
ajbmeb-2153	60	21	on	on	ADP
ajbmeb-2153	60	22	equity	equity	NOUN
ajbmeb-2153	60	23	.	.	PUNCT
ajbmeb-2153	61	1	➢	➢	NOUN
ajbmeb-2153	61	2	reputation	reputation	NOUN
ajbmeb-2153	61	3	risk	risk	NOUN
ajbmeb-2153	61	4	:	:	PUNCT
ajbmeb-2153	61	5	persistent	persistent	ADJ
ajbmeb-2153	61	6	high	high	ADJ
ajbmeb-2153	61	7	levels	level	NOUN
ajbmeb-2153	61	8	of	of	ADP
ajbmeb-2153	61	9	npls	npls	NOUN
ajbmeb-2153	61	10	can	can	AUX
ajbmeb-2153	61	11	damage	damage	VERB
ajbmeb-2153	61	12	a	a	DET
ajbmeb-2153	61	13	bank	bank	NOUN
ajbmeb-2153	61	14	's	's	PART
ajbmeb-2153	61	15	reputation	reputation	NOUN
ajbmeb-2153	61	16	,	,	PUNCT
ajbmeb-2153	61	17	affecting	affect	VERB
ajbmeb-2153	61	18	its	its	PRON
ajbmeb-2153	61	19	relationships	relationship	NOUN
ajbmeb-2153	61	20	with	with	ADP
ajbmeb-2153	61	21	customers	customer	NOUN
ajbmeb-2153	61	22	,	,	PUNCT
ajbmeb-2153	61	23	investors	investor	NOUN
ajbmeb-2153	61	24	,	,	PUNCT
ajbmeb-2153	61	25	and	and	CCONJ
ajbmeb-2153	61	26	regulators	regulator	NOUN
ajbmeb-2153	61	27	.	.	PUNCT
ajbmeb-2153	62	1	➢	➢	VERB
ajbmeb-2153	62	2	economic	economic	ADJ
ajbmeb-2153	62	3	impact	impact	NOUN
ajbmeb-2153	62	4	:	:	PUNCT
ajbmeb-2153	62	5	widespread	widespread	ADJ
ajbmeb-2153	62	6	problem	problem	NOUN
ajbmeb-2153	62	7	loans	loan	NOUN
ajbmeb-2153	62	8	can	can	AUX
ajbmeb-2153	62	9	lead	lead	VERB
ajbmeb-2153	62	10	to	to	ADP
ajbmeb-2153	62	11	a	a	DET
ajbmeb-2153	62	12	credit	credit	NOUN
ajbmeb-2153	62	13	crunch	crunch	NOUN
ajbmeb-2153	62	14	,	,	PUNCT
ajbmeb-2153	62	15	where	where	SCONJ
ajbmeb-2153	62	16	banks	bank	NOUN
ajbmeb-2153	62	17	become	become	VERB
ajbmeb-2153	62	18	more	more	ADJ
ajbmeb-2153	62	19	risk	risk	NOUN
ajbmeb-2153	62	20	-	-	PUNCT
ajbmeb-2153	62	21	averse	averse	ADJ
ajbmeb-2153	62	22	,	,	PUNCT
ajbmeb-2153	62	23	reducing	reduce	VERB
ajbmeb-2153	62	24	credit	credit	NOUN
ajbmeb-2153	62	25	availability	availability	NOUN
ajbmeb-2153	62	26	and	and	CCONJ
ajbmeb-2153	62	27	slowing	slow	VERB
ajbmeb-2153	62	28	economic	economic	ADJ
ajbmeb-2153	62	29	growth	growth	NOUN
ajbmeb-2153	62	30	.	.	PUNCT
ajbmeb-2153	63	1	measurement	measurement	NOUN
ajbmeb-2153	63	2	and	and	CCONJ
ajbmeb-2153	63	3	reporting	report	VERB
ajbmeb-2153	63	4	accurate	accurate	ADJ
ajbmeb-2153	63	5	measurement	measurement	NOUN
ajbmeb-2153	63	6	and	and	CCONJ
ajbmeb-2153	63	7	reporting	reporting	NOUN
ajbmeb-2153	63	8	of	of	ADP
ajbmeb-2153	63	9	npls	npls	NOUN
ajbmeb-2153	63	10	are	be	AUX
ajbmeb-2153	63	11	essential	essential	ADJ
ajbmeb-2153	63	12	for	for	ADP
ajbmeb-2153	63	13	transparency	transparency	NOUN
ajbmeb-2153	63	14	and	and	CCONJ
ajbmeb-2153	63	15	effective	effective	ADJ
ajbmeb-2153	63	16	management	management	NOUN
ajbmeb-2153	63	17	.	.	PUNCT
ajbmeb-2153	64	1	banks	bank	NOUN
ajbmeb-2153	64	2	use	use	VERB
ajbmeb-2153	64	3	various	various	ADJ
ajbmeb-2153	64	4	metrics	metric	NOUN
ajbmeb-2153	64	5	to	to	PART
ajbmeb-2153	64	6	assess	assess	VERB
ajbmeb-2153	64	7	the	the	DET
ajbmeb-2153	64	8	extent	extent	NOUN
ajbmeb-2153	64	9	of	of	ADP
ajbmeb-2153	64	10	problem	problem	NOUN
ajbmeb-2153	64	11	loans	loan	NOUN
ajbmeb-2153	64	12	,	,	PUNCT
ajbmeb-2153	64	13	including	include	VERB
ajbmeb-2153	64	14	:	:	PUNCT
ajbmeb-2153	64	15	1	1	X
ajbmeb-2153	64	16	.	.	X
ajbmeb-2153	64	17	npl	npl	NOUN
ajbmeb-2153	64	18	ratio	ratio	NOUN
ajbmeb-2153	64	19	:	:	PUNCT
ajbmeb-2153	64	20	the	the	DET
ajbmeb-2153	64	21	ratio	ratio	NOUN
ajbmeb-2153	64	22	of	of	ADP
ajbmeb-2153	64	23	non	non	ADJ
ajbmeb-2153	64	24	-	-	ADJ
ajbmeb-2153	64	25	performing	performing	ADJ
ajbmeb-2153	64	26	loans	loan	NOUN
ajbmeb-2153	64	27	to	to	ADP
ajbmeb-2153	64	28	total	total	ADJ
ajbmeb-2153	64	29	loans	loan	NOUN
ajbmeb-2153	64	30	,	,	PUNCT
ajbmeb-2153	64	31	providing	provide	VERB
ajbmeb-2153	64	32	a	a	DET
ajbmeb-2153	64	33	measure	measure	NOUN
ajbmeb-2153	64	34	of	of	ADP
ajbmeb-2153	64	35	the	the	DET
ajbmeb-2153	64	36	proportion	proportion	NOUN
ajbmeb-2153	64	37	of	of	ADP
ajbmeb-2153	64	38	the	the	DET
ajbmeb-2153	64	39	loan	loan	NOUN
ajbmeb-2153	64	40	portfolio	portfolio	NOUN
ajbmeb-2153	64	41	that	that	PRON
ajbmeb-2153	64	42	is	be	AUX
ajbmeb-2153	64	43	problematic	problematic	ADJ
ajbmeb-2153	64	44	.	.	PUNCT
ajbmeb-2153	65	1	2	2	X
ajbmeb-2153	65	2	.	.	X
ajbmeb-2153	65	3	coverage	coverage	NOUN
ajbmeb-2153	65	4	ratio	ratio	NOUN
ajbmeb-2153	65	5	:	:	PUNCT
ajbmeb-2153	65	6	the	the	DET
ajbmeb-2153	65	7	ratio	ratio	NOUN
ajbmeb-2153	65	8	of	of	ADP
ajbmeb-2153	65	9	loan	loan	NOUN
ajbmeb-2153	65	10	loss	loss	NOUN
ajbmeb-2153	65	11	reserves	reserve	NOUN
ajbmeb-2153	65	12	to	to	ADP
ajbmeb-2153	65	13	non	non	ADJ
ajbmeb-2153	65	14	-	-	ADJ
ajbmeb-2153	65	15	performing	performing	ADJ
ajbmeb-2153	65	16	loans	loan	NOUN
ajbmeb-2153	65	17	,	,	PUNCT
ajbmeb-2153	65	18	indicating	indicate	VERB
ajbmeb-2153	65	19	the	the	DET
ajbmeb-2153	65	20	extent	extent	NOUN
ajbmeb-2153	65	21	to	to	PART
ajbmeb-2153	65	22	which	which	PRON
ajbmeb-2153	65	23	npls	npls	NOUN
ajbmeb-2153	65	24	are	be	AUX
ajbmeb-2153	65	25	covered	cover	VERB
ajbmeb-2153	65	26	by	by	ADP
ajbmeb-2153	65	27	provisions	provision	NOUN
ajbmeb-2153	65	28	.	.	PUNCT
ajbmeb-2153	66	1	3	3	X
ajbmeb-2153	66	2	.	.	X
ajbmeb-2153	66	3	provisioning	provision	VERB
ajbmeb-2153	66	4	levels	level	NOUN
ajbmeb-2153	66	5	:	:	PUNCT
ajbmeb-2153	66	6	the	the	DET
ajbmeb-2153	66	7	amount	amount	NOUN
ajbmeb-2153	66	8	set	set	VERB
ajbmeb-2153	66	9	aside	aside	ADV
ajbmeb-2153	66	10	to	to	PART
ajbmeb-2153	66	11	cover	cover	VERB
ajbmeb-2153	66	12	potential	potential	ADJ
ajbmeb-2153	66	13	loan	loan	NOUN
ajbmeb-2153	66	14	losses	loss	NOUN
ajbmeb-2153	66	15	,	,	PUNCT
ajbmeb-2153	66	16	reflecting	reflect	VERB
ajbmeb-2153	66	17	the	the	DET
ajbmeb-2153	66	18	bank	bank	NOUN
ajbmeb-2153	66	19	’s	’s	PART
ajbmeb-2153	66	20	risk	risk	NOUN
ajbmeb-2153	66	21	management	management	NOUN
ajbmeb-2153	66	22	practices	practice	NOUN
ajbmeb-2153	66	23	.	.	PUNCT
ajbmeb-2153	67	1	understanding	understand	VERB
ajbmeb-2153	67	2	the	the	DET
ajbmeb-2153	67	3	nature	nature	NOUN
ajbmeb-2153	67	4	,	,	PUNCT
ajbmeb-2153	67	5	causes	cause	NOUN
ajbmeb-2153	67	6	,	,	PUNCT
ajbmeb-2153	67	7	and	and	CCONJ
ajbmeb-2153	67	8	implications	implication	NOUN
ajbmeb-2153	67	9	of	of	ADP
ajbmeb-2153	67	10	problem	problem	NOUN
ajbmeb-2153	67	11	loans	loan	NOUN
ajbmeb-2153	67	12	is	be	AUX
ajbmeb-2153	67	13	the	the	DET
ajbmeb-2153	67	14	first	first	ADJ
ajbmeb-2153	67	15	step	step	NOUN
ajbmeb-2153	67	16	in	in	ADP
ajbmeb-2153	67	17	developing	develop	VERB
ajbmeb-2153	67	18	effective	effective	ADJ
ajbmeb-2153	67	19	management	management	NOUN
ajbmeb-2153	67	20	strategies	strategy	NOUN
ajbmeb-2153	67	21	.	.	PUNCT
ajbmeb-2153	68	1	by	by	ADP
ajbmeb-2153	68	2	addressing	address	VERB
ajbmeb-2153	68	3	the	the	DET
ajbmeb-2153	68	4	underlying	underlie	VERB
ajbmeb-2153	68	5	causes	cause	NOUN
ajbmeb-2153	68	6	and	and	CCONJ
ajbmeb-2153	68	7	implementing	implement	VERB
ajbmeb-2153	68	8	robust	robust	ADJ
ajbmeb-2153	68	9	monitoring	monitoring	NOUN
ajbmeb-2153	68	10	and	and	CCONJ
ajbmeb-2153	68	11	recovery	recovery	NOUN
ajbmeb-2153	68	12	processes	process	NOUN
ajbmeb-2153	68	13	,	,	PUNCT
ajbmeb-2153	68	14	banks	bank	NOUN
ajbmeb-2153	68	15	can	can	AUX
ajbmeb-2153	68	16	mitigate	mitigate	VERB
ajbmeb-2153	68	17	the	the	DET
ajbmeb-2153	68	18	risks	risk	NOUN
ajbmeb-2153	68	19	associated	associate	VERB
ajbmeb-2153	68	20	with	with	ADP
ajbmeb-2153	68	21	npls	npls	NOUN
ajbmeb-2153	68	22	and	and	CCONJ
ajbmeb-2153	68	23	maintain	maintain	VERB
ajbmeb-2153	68	24	financial	financial	ADJ
ajbmeb-2153	68	25	stability	stability	NOUN
ajbmeb-2153	68	26	.	.	PUNCT
ajbmeb-2153	69	1	the	the	DET
ajbmeb-2153	69	2	following	follow	VERB
ajbmeb-2153	69	3	sections	section	NOUN
ajbmeb-2153	69	4	will	will	AUX
ajbmeb-2153	69	5	explore	explore	VERB
ajbmeb-2153	69	6	various	various	ADJ
ajbmeb-2153	69	7	strategies	strategy	NOUN
ajbmeb-2153	69	8	and	and	CCONJ
ajbmeb-2153	69	9	best	good	ADJ
ajbmeb-2153	69	10	practices	practice	NOUN
ajbmeb-2153	69	11	for	for	ADP
ajbmeb-2153	69	12	managing	manage	VERB
ajbmeb-2153	69	13	problem	problem	NOUN
ajbmeb-2153	69	14	loans	loan	NOUN
ajbmeb-2153	69	15	efficiently	efficiently	ADV
ajbmeb-2153	69	16	.	.	PUNCT
ajbmeb-2153	70	1	key	key	ADJ
ajbmeb-2153	70	2	strategies	strategy	NOUN
ajbmeb-2153	70	3	for	for	ADP
ajbmeb-2153	70	4	efficient	efficient	ADJ
ajbmeb-2153	70	5	management	management	NOUN
ajbmeb-2153	70	6	of	of	ADP
ajbmeb-2153	70	7	problem	problem	NOUN
ajbmeb-2153	70	8	loans	loan	NOUN
ajbmeb-2153	70	9	1	1	NUM
ajbmeb-2153	70	10	.	.	PUNCT
ajbmeb-2153	70	11	early	early	ADJ
ajbmeb-2153	70	12	identification	identification	NOUN
ajbmeb-2153	70	13	and	and	CCONJ
ajbmeb-2153	70	14	monitoring	monitoring	NOUN
ajbmeb-2153	70	15	:	:	PUNCT
ajbmeb-2153	70	16	implementing	implement	VERB
ajbmeb-2153	70	17	robust	robust	ADJ
ajbmeb-2153	70	18	early	early	ADJ
ajbmeb-2153	70	19	warning	warning	NOUN
ajbmeb-2153	70	20	systems	system	NOUN
ajbmeb-2153	70	21	to	to	PART
ajbmeb-2153	70	22	detect	detect	VERB
ajbmeb-2153	70	23	signs	sign	NOUN
ajbmeb-2153	70	24	of	of	ADP
ajbmeb-2153	70	25	potential	potential	ADJ
ajbmeb-2153	70	26	loan	loan	NOUN
ajbmeb-2153	70	27	defaults	default	NOUN
ajbmeb-2153	70	28	.	.	PUNCT
ajbmeb-2153	71	1	utilizing	utilize	VERB
ajbmeb-2153	71	2	advanced	advanced	ADJ
ajbmeb-2153	71	3	analytics	analytic	NOUN
ajbmeb-2153	71	4	and	and	CCONJ
ajbmeb-2153	71	5	artificial	artificial	ADJ
ajbmeb-2153	71	6	intelligence	intelligence	NOUN
ajbmeb-2153	71	7	to	to	PART
ajbmeb-2153	71	8	monitor	monitor	VERB
ajbmeb-2153	71	9	loan	loan	NOUN
ajbmeb-2153	71	10	performance	performance	NOUN
ajbmeb-2153	71	11	and	and	CCONJ
ajbmeb-2153	71	12	predict	predict	VERB
ajbmeb-2153	71	13	defaults	default	NOUN
ajbmeb-2153	71	14	.	.	PUNCT
ajbmeb-2153	72	1	regularly	regularly	ADV
ajbmeb-2153	72	2	reviewing	review	VERB
ajbmeb-2153	72	3	loan	loan	NOUN
ajbmeb-2153	72	4	portfolios	portfolio	NOUN
ajbmeb-2153	72	5	to	to	PART
ajbmeb-2153	72	6	identify	identify	VERB
ajbmeb-2153	72	7	high	high	ADJ
ajbmeb-2153	72	8	-	-	PUNCT
ajbmeb-2153	72	9	risk	risk	NOUN
ajbmeb-2153	72	10	sectors	sector	NOUN
ajbmeb-2153	72	11	and	and	CCONJ
ajbmeb-2153	72	12	borrowers	borrower	NOUN
ajbmeb-2153	72	13	.	.	PUNCT
ajbmeb-2153	73	1	american	american	ADJ
ajbmeb-2153	73	2	journal	journal	PROPN
ajbmeb-2153	73	3	of	of	ADP
ajbmeb-2153	73	4	business	business	NOUN
ajbmeb-2153	73	5	management	management	NOUN
ajbmeb-2153	73	6	,	,	PUNCT
ajbmeb-2153	73	7	economics	economic	NOUN
ajbmeb-2153	73	8	and	and	CCONJ
ajbmeb-2153	73	9	banking	banking	NOUN
ajbmeb-2153	73	10	volume	volume	NOUN
ajbmeb-2153	73	11	24	24	NUM
ajbmeb-2153	73	12	may	may	PROPN
ajbmeb-2153	73	13	2024	2024	NUM
ajbmeb-2153	73	14	p	p	NOUN
ajbmeb-2153	73	15	a	a	DET
ajbmeb-2153	73	16	g	g	NOUN
ajbmeb-2153	73	17	e	e	NOUN
ajbmeb-2153	73	18	|	|	ADV
ajbmeb-2153	73	19	152	152	NUM
ajbmeb-2153	73	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2153	73	21	2	2	NUM
ajbmeb-2153	73	22	.	.	PUNCT
ajbmeb-2153	73	23	restructuring	restructuring	NOUN
ajbmeb-2153	73	24	and	and	CCONJ
ajbmeb-2153	73	25	refinancing	refinance	VERB
ajbmeb-2153	73	26	:	:	PUNCT
ajbmeb-2153	73	27	offering	offer	VERB
ajbmeb-2153	73	28	loan	loan	NOUN
ajbmeb-2153	73	29	restructuring	restructure	VERB
ajbmeb-2153	73	30	options	option	NOUN
ajbmeb-2153	73	31	to	to	ADP
ajbmeb-2153	73	32	borrowers	borrower	NOUN
ajbmeb-2153	73	33	facing	face	VERB
ajbmeb-2153	73	34	temporary	temporary	ADJ
ajbmeb-2153	73	35	financial	financial	ADJ
ajbmeb-2153	73	36	difficulties	difficulty	NOUN
ajbmeb-2153	73	37	.	.	PUNCT
ajbmeb-2153	74	1	extending	extend	VERB
ajbmeb-2153	74	2	loan	loan	NOUN
ajbmeb-2153	74	3	terms	term	NOUN
ajbmeb-2153	74	4	,	,	PUNCT
ajbmeb-2153	74	5	reducing	reduce	VERB
ajbmeb-2153	74	6	interest	interest	NOUN
ajbmeb-2153	74	7	rates	rate	NOUN
ajbmeb-2153	74	8	,	,	PUNCT
ajbmeb-2153	74	9	or	or	CCONJ
ajbmeb-2153	74	10	providing	provide	VERB
ajbmeb-2153	74	11	grace	grace	NOUN
ajbmeb-2153	74	12	periods	period	NOUN
ajbmeb-2153	74	13	to	to	PART
ajbmeb-2153	74	14	help	help	VERB
ajbmeb-2153	74	15	borrowers	borrower	NOUN
ajbmeb-2153	74	16	get	get	VERB
ajbmeb-2153	74	17	back	back	ADV
ajbmeb-2153	74	18	on	on	ADP
ajbmeb-2153	74	19	track	track	NOUN
ajbmeb-2153	74	20	.	.	PUNCT
ajbmeb-2153	75	1	refinancing	refinance	VERB
ajbmeb-2153	75	2	loans	loan	NOUN
ajbmeb-2153	75	3	to	to	ADP
ajbmeb-2153	75	4	more	more	ADV
ajbmeb-2153	75	5	manageable	manageable	ADJ
ajbmeb-2153	75	6	terms	term	NOUN
ajbmeb-2153	75	7	to	to	PART
ajbmeb-2153	75	8	prevent	prevent	VERB
ajbmeb-2153	75	9	defaults	default	NOUN
ajbmeb-2153	75	10	.	.	PUNCT
ajbmeb-2153	76	1	3	3	X
ajbmeb-2153	76	2	.	.	X
ajbmeb-2153	76	3	dedicated	dedicate	VERB
ajbmeb-2153	76	4	problem	problem	NOUN
ajbmeb-2153	76	5	loan	loan	NOUN
ajbmeb-2153	76	6	units	unit	NOUN
ajbmeb-2153	76	7	:	:	PUNCT
ajbmeb-2153	76	8	establishing	establish	VERB
ajbmeb-2153	76	9	specialized	specialized	ADJ
ajbmeb-2153	76	10	units	unit	NOUN
ajbmeb-2153	76	11	within	within	ADP
ajbmeb-2153	76	12	the	the	DET
ajbmeb-2153	76	13	bank	bank	NOUN
ajbmeb-2153	76	14	dedicated	dedicate	VERB
ajbmeb-2153	76	15	to	to	ADP
ajbmeb-2153	76	16	managing	manage	VERB
ajbmeb-2153	76	17	problem	problem	NOUN
ajbmeb-2153	76	18	loans	loan	NOUN
ajbmeb-2153	76	19	.	.	PUNCT
ajbmeb-2153	77	1	training	training	NOUN
ajbmeb-2153	77	2	staff	staff	NOUN
ajbmeb-2153	77	3	specifically	specifically	ADV
ajbmeb-2153	77	4	for	for	ADP
ajbmeb-2153	77	5	dealing	deal	VERB
ajbmeb-2153	77	6	with	with	ADP
ajbmeb-2153	77	7	npls	npls	NOUN
ajbmeb-2153	77	8	to	to	PART
ajbmeb-2153	77	9	ensure	ensure	VERB
ajbmeb-2153	77	10	expertise	expertise	NOUN
ajbmeb-2153	77	11	and	and	CCONJ
ajbmeb-2153	77	12	focused	focus	VERB
ajbmeb-2153	77	13	attention	attention	NOUN
ajbmeb-2153	77	14	.	.	PUNCT
ajbmeb-2153	78	1	empowering	empower	VERB
ajbmeb-2153	78	2	these	these	DET
ajbmeb-2153	78	3	units	unit	NOUN
ajbmeb-2153	78	4	with	with	ADP
ajbmeb-2153	78	5	the	the	DET
ajbmeb-2153	78	6	authority	authority	NOUN
ajbmeb-2153	78	7	to	to	PART
ajbmeb-2153	78	8	make	make	VERB
ajbmeb-2153	78	9	quick	quick	ADJ
ajbmeb-2153	78	10	decisions	decision	NOUN
ajbmeb-2153	78	11	on	on	ADP
ajbmeb-2153	78	12	restructuring	restructuring	NOUN
ajbmeb-2153	78	13	and	and	CCONJ
ajbmeb-2153	78	14	recovery	recovery	NOUN
ajbmeb-2153	78	15	efforts	effort	NOUN
ajbmeb-2153	78	16	.	.	PUNCT
ajbmeb-2153	79	1	4	4	X
ajbmeb-2153	79	2	.	.	X
ajbmeb-2153	79	3	legal	legal	ADJ
ajbmeb-2153	79	4	and	and	CCONJ
ajbmeb-2153	79	5	regulatory	regulatory	ADJ
ajbmeb-2153	79	6	framework	framework	NOUN
ajbmeb-2153	79	7	:	:	PUNCT
ajbmeb-2153	79	8	working	work	VERB
ajbmeb-2153	79	9	closely	closely	ADV
ajbmeb-2153	79	10	with	with	ADP
ajbmeb-2153	79	11	legal	legal	ADJ
ajbmeb-2153	79	12	teams	team	NOUN
ajbmeb-2153	79	13	to	to	PART
ajbmeb-2153	79	14	navigate	navigate	VERB
ajbmeb-2153	79	15	the	the	DET
ajbmeb-2153	79	16	complexities	complexity	NOUN
ajbmeb-2153	79	17	of	of	ADP
ajbmeb-2153	79	18	loan	loan	NOUN
ajbmeb-2153	79	19	recovery	recovery	NOUN
ajbmeb-2153	79	20	.	.	PUNCT
ajbmeb-2153	80	1	ensuring	ensure	VERB
ajbmeb-2153	80	2	compliance	compliance	NOUN
ajbmeb-2153	80	3	with	with	ADP
ajbmeb-2153	80	4	regulatory	regulatory	ADJ
ajbmeb-2153	80	5	requirements	requirement	NOUN
ajbmeb-2153	80	6	to	to	PART
ajbmeb-2153	80	7	avoid	avoid	VERB
ajbmeb-2153	80	8	legal	legal	ADJ
ajbmeb-2153	80	9	pitfalls	pitfall	NOUN
ajbmeb-2153	80	10	.	.	PUNCT
ajbmeb-2153	81	1	advocating	advocate	VERB
ajbmeb-2153	81	2	for	for	ADP
ajbmeb-2153	81	3	regulatory	regulatory	ADJ
ajbmeb-2153	81	4	reforms	reform	NOUN
ajbmeb-2153	81	5	that	that	PRON
ajbmeb-2153	81	6	facilitate	facilitate	VERB
ajbmeb-2153	81	7	easier	easy	ADJ
ajbmeb-2153	81	8	management	management	NOUN
ajbmeb-2153	81	9	and	and	CCONJ
ajbmeb-2153	81	10	recovery	recovery	NOUN
ajbmeb-2153	81	11	of	of	ADP
ajbmeb-2153	81	12	problem	problem	NOUN
ajbmeb-2153	81	13	loans	loan	NOUN
ajbmeb-2153	81	14	.	.	PUNCT
ajbmeb-2153	82	1	5	5	X
ajbmeb-2153	82	2	.	.	PUNCT
ajbmeb-2153	82	3	enhanced	enhance	VERB
ajbmeb-2153	82	4	communication	communication	NOUN
ajbmeb-2153	82	5	with	with	ADP
ajbmeb-2153	82	6	borrowers	borrower	NOUN
ajbmeb-2153	82	7	:	:	PUNCT
ajbmeb-2153	82	8	maintaining	maintain	VERB
ajbmeb-2153	82	9	open	open	ADJ
ajbmeb-2153	82	10	and	and	CCONJ
ajbmeb-2153	82	11	proactive	proactive	ADJ
ajbmeb-2153	82	12	communication	communication	NOUN
ajbmeb-2153	82	13	channels	channel	NOUN
ajbmeb-2153	82	14	with	with	ADP
ajbmeb-2153	82	15	borrowers	borrower	NOUN
ajbmeb-2153	82	16	to	to	PART
ajbmeb-2153	82	17	understand	understand	VERB
ajbmeb-2153	82	18	their	their	PRON
ajbmeb-2153	82	19	financial	financial	ADJ
ajbmeb-2153	82	20	situations	situation	NOUN
ajbmeb-2153	82	21	.	.	PUNCT
ajbmeb-2153	83	1	collaborating	collaborate	VERB
ajbmeb-2153	83	2	with	with	ADP
ajbmeb-2153	83	3	borrowers	borrower	NOUN
ajbmeb-2153	83	4	to	to	PART
ajbmeb-2153	83	5	develop	develop	VERB
ajbmeb-2153	83	6	mutually	mutually	ADV
ajbmeb-2153	83	7	beneficial	beneficial	ADJ
ajbmeb-2153	83	8	solutions	solution	NOUN
ajbmeb-2153	83	9	.	.	PUNCT
ajbmeb-2153	84	1	providing	provide	VERB
ajbmeb-2153	84	2	financial	financial	ADJ
ajbmeb-2153	84	3	counseling	counseling	NOUN
ajbmeb-2153	84	4	and	and	CCONJ
ajbmeb-2153	84	5	support	support	NOUN
ajbmeb-2153	84	6	to	to	PART
ajbmeb-2153	84	7	help	help	VERB
ajbmeb-2153	84	8	borrowers	borrower	NOUN
ajbmeb-2153	84	9	improve	improve	VERB
ajbmeb-2153	84	10	their	their	PRON
ajbmeb-2153	84	11	financial	financial	ADJ
ajbmeb-2153	84	12	health	health	NOUN
ajbmeb-2153	84	13	.	.	PUNCT
ajbmeb-2153	85	1	6	6	X
ajbmeb-2153	85	2	.	.	X
ajbmeb-2153	85	3	use	use	NOUN
ajbmeb-2153	85	4	of	of	ADP
ajbmeb-2153	85	5	technology	technology	NOUN
ajbmeb-2153	85	6	and	and	CCONJ
ajbmeb-2153	85	7	data	datum	NOUN
ajbmeb-2153	85	8	analytics	analytic	NOUN
ajbmeb-2153	85	9	:	:	PUNCT
ajbmeb-2153	85	10	leveraging	leverage	VERB
ajbmeb-2153	85	11	technology	technology	NOUN
ajbmeb-2153	85	12	to	to	PART
ajbmeb-2153	85	13	automate	automate	VERB
ajbmeb-2153	85	14	loan	loan	NOUN
ajbmeb-2153	85	15	monitoring	monitoring	NOUN
ajbmeb-2153	85	16	and	and	CCONJ
ajbmeb-2153	85	17	reporting	reporting	NOUN
ajbmeb-2153	85	18	processes	process	NOUN
ajbmeb-2153	85	19	.	.	PUNCT
ajbmeb-2153	86	1	using	use	VERB
ajbmeb-2153	86	2	data	datum	NOUN
ajbmeb-2153	86	3	analytics	analytic	NOUN
ajbmeb-2153	86	4	to	to	PART
ajbmeb-2153	86	5	gain	gain	VERB
ajbmeb-2153	86	6	insights	insight	NOUN
ajbmeb-2153	86	7	into	into	ADP
ajbmeb-2153	86	8	borrower	borrower	NOUN
ajbmeb-2153	86	9	behavior	behavior	NOUN
ajbmeb-2153	86	10	and	and	CCONJ
ajbmeb-2153	86	11	market	market	NOUN
ajbmeb-2153	86	12	trends	trend	NOUN
ajbmeb-2153	86	13	.	.	PUNCT
ajbmeb-2153	87	1	implementing	implement	VERB
ajbmeb-2153	87	2	digital	digital	ADJ
ajbmeb-2153	87	3	platforms	platform	NOUN
ajbmeb-2153	87	4	for	for	ADP
ajbmeb-2153	87	5	efficient	efficient	ADJ
ajbmeb-2153	87	6	loan	loan	NOUN
ajbmeb-2153	87	7	restructuring	restructuring	NOUN
ajbmeb-2153	87	8	and	and	CCONJ
ajbmeb-2153	87	9	recovery	recovery	NOUN
ajbmeb-2153	87	10	management	management	NOUN
ajbmeb-2153	87	11	.	.	PUNCT
ajbmeb-2153	88	1	7	7	X
ajbmeb-2153	88	2	.	.	X
ajbmeb-2153	88	3	partnerships	partnership	NOUN
ajbmeb-2153	88	4	and	and	CCONJ
ajbmeb-2153	88	5	outsourcing	outsourcing	NOUN
ajbmeb-2153	88	6	:	:	PUNCT
ajbmeb-2153	88	7	partnering	partner	VERB
ajbmeb-2153	88	8	with	with	ADP
ajbmeb-2153	88	9	external	external	ADJ
ajbmeb-2153	88	10	agencies	agency	NOUN
ajbmeb-2153	88	11	specializing	specialize	VERB
ajbmeb-2153	88	12	in	in	ADP
ajbmeb-2153	88	13	loan	loan	NOUN
ajbmeb-2153	88	14	recovery	recovery	NOUN
ajbmeb-2153	88	15	and	and	CCONJ
ajbmeb-2153	88	16	asset	asset	NOUN
ajbmeb-2153	88	17	management	management	NOUN
ajbmeb-2153	88	18	.	.	PUNCT
ajbmeb-2153	89	1	outsourcing	outsource	VERB
ajbmeb-2153	89	2	certain	certain	ADJ
ajbmeb-2153	89	3	aspects	aspect	NOUN
ajbmeb-2153	89	4	of	of	ADP
ajbmeb-2153	89	5	npl	npl	PROPN
ajbmeb-2153	89	6	management	management	NOUN
ajbmeb-2153	89	7	to	to	ADP
ajbmeb-2153	89	8	firms	firm	NOUN
ajbmeb-2153	89	9	with	with	ADP
ajbmeb-2153	89	10	expertise	expertise	NOUN
ajbmeb-2153	89	11	in	in	ADP
ajbmeb-2153	89	12	debt	debt	NOUN
ajbmeb-2153	89	13	recovery	recovery	NOUN
ajbmeb-2153	89	14	.	.	PUNCT
ajbmeb-2153	90	1	collaborating	collaborate	VERB
ajbmeb-2153	90	2	with	with	ADP
ajbmeb-2153	90	3	other	other	ADJ
ajbmeb-2153	90	4	financial	financial	ADJ
ajbmeb-2153	90	5	institutions	institution	NOUN
ajbmeb-2153	90	6	to	to	PART
ajbmeb-2153	90	7	share	share	VERB
ajbmeb-2153	90	8	best	good	ADJ
ajbmeb-2153	90	9	practices	practice	NOUN
ajbmeb-2153	90	10	and	and	CCONJ
ajbmeb-2153	90	11	resources	resource	NOUN
ajbmeb-2153	90	12	.	.	PUNCT
ajbmeb-2153	91	1	case	case	NOUN
ajbmeb-2153	91	2	studies	study	NOUN
ajbmeb-2153	91	3	and	and	CCONJ
ajbmeb-2153	91	4	practical	practical	ADJ
ajbmeb-2153	91	5	examples	example	NOUN
ajbmeb-2153	91	6	1	1	NUM
ajbmeb-2153	91	7	.	.	X
ajbmeb-2153	91	8	global	global	ADJ
ajbmeb-2153	91	9	financial	financial	ADJ
ajbmeb-2153	91	10	crisis	crisis	NOUN
ajbmeb-2153	91	11	of	of	ADP
ajbmeb-2153	91	12	2008	2008	NUM
ajbmeb-2153	91	13	:	:	PUNCT
ajbmeb-2153	91	14	during	during	ADP
ajbmeb-2153	91	15	the	the	DET
ajbmeb-2153	91	16	2008	2008	NUM
ajbmeb-2153	91	17	financial	financial	ADJ
ajbmeb-2153	91	18	crisis	crisis	NOUN
ajbmeb-2153	91	19	,	,	PUNCT
ajbmeb-2153	91	20	many	many	ADJ
ajbmeb-2153	91	21	banks	bank	NOUN
ajbmeb-2153	91	22	faced	face	VERB
ajbmeb-2153	91	23	a	a	DET
ajbmeb-2153	91	24	surge	surge	NOUN
ajbmeb-2153	91	25	in	in	ADP
ajbmeb-2153	91	26	npls	npls	NOUN
ajbmeb-2153	91	27	.	.	PUNCT
ajbmeb-2153	92	1	successful	successful	ADJ
ajbmeb-2153	92	2	banks	bank	NOUN
ajbmeb-2153	92	3	quickly	quickly	ADV
ajbmeb-2153	92	4	identified	identify	VERB
ajbmeb-2153	92	5	problem	problem	NOUN
ajbmeb-2153	92	6	loans	loan	NOUN
ajbmeb-2153	92	7	and	and	CCONJ
ajbmeb-2153	92	8	took	take	VERB
ajbmeb-2153	92	9	aggressive	aggressive	ADJ
ajbmeb-2153	92	10	measures	measure	NOUN
ajbmeb-2153	92	11	to	to	PART
ajbmeb-2153	92	12	restructure	restructure	VERB
ajbmeb-2153	92	13	and	and	CCONJ
ajbmeb-2153	92	14	recover	recover	VERB
ajbmeb-2153	92	15	these	these	DET
ajbmeb-2153	92	16	loans	loan	NOUN
ajbmeb-2153	92	17	,	,	PUNCT
ajbmeb-2153	92	18	minimizing	minimize	VERB
ajbmeb-2153	92	19	losses	loss	NOUN
ajbmeb-2153	92	20	.	.	PUNCT
ajbmeb-2153	93	1	2	2	X
ajbmeb-2153	93	2	.	.	X
ajbmeb-2153	93	3	asian	asian	ADJ
ajbmeb-2153	93	4	financial	financial	ADJ
ajbmeb-2153	93	5	crisis	crisis	NOUN
ajbmeb-2153	93	6	:	:	PUNCT
ajbmeb-2153	93	7	banks	bank	NOUN
ajbmeb-2153	93	8	in	in	ADP
ajbmeb-2153	93	9	asia	asia	PROPN
ajbmeb-2153	93	10	during	during	ADP
ajbmeb-2153	93	11	the	the	DET
ajbmeb-2153	93	12	financial	financial	ADJ
ajbmeb-2153	93	13	crisis	crisis	NOUN
ajbmeb-2153	93	14	of	of	ADP
ajbmeb-2153	93	15	the	the	DET
ajbmeb-2153	93	16	late	late	ADJ
ajbmeb-2153	93	17	1990s	1990	NOUN
ajbmeb-2153	93	18	implemented	implement	VERB
ajbmeb-2153	93	19	extensive	extensive	ADJ
ajbmeb-2153	93	20	loan	loan	NOUN
ajbmeb-2153	93	21	restructuring	restructure	VERB
ajbmeb-2153	93	22	programs	program	NOUN
ajbmeb-2153	93	23	,	,	PUNCT
ajbmeb-2153	93	24	often	often	ADV
ajbmeb-2153	93	25	supported	support	VERB
ajbmeb-2153	93	26	by	by	ADP
ajbmeb-2153	93	27	government	government	NOUN
ajbmeb-2153	93	28	interventions	intervention	NOUN
ajbmeb-2153	93	29	,	,	PUNCT
ajbmeb-2153	93	30	to	to	PART
ajbmeb-2153	93	31	stabilize	stabilize	VERB
ajbmeb-2153	93	32	their	their	PRON
ajbmeb-2153	93	33	financial	financial	ADJ
ajbmeb-2153	93	34	systems	system	NOUN
ajbmeb-2153	93	35	.	.	PUNCT
ajbmeb-2153	94	1	3	3	X
ajbmeb-2153	94	2	.	.	X
ajbmeb-2153	94	3	european	european	ADJ
ajbmeb-2153	94	4	debt	debt	NOUN
ajbmeb-2153	94	5	crisis	crisis	NOUN
ajbmeb-2153	94	6	:	:	PUNCT
ajbmeb-2153	94	7	american	american	PROPN
ajbmeb-2153	94	8	journal	journal	PROPN
ajbmeb-2153	94	9	of	of	ADP
ajbmeb-2153	94	10	business	business	NOUN
ajbmeb-2153	94	11	management	management	NOUN
ajbmeb-2153	94	12	,	,	PUNCT
ajbmeb-2153	94	13	economics	economic	NOUN
ajbmeb-2153	94	14	and	and	CCONJ
ajbmeb-2153	94	15	banking	banking	NOUN
ajbmeb-2153	94	16	volume	volume	NOUN
ajbmeb-2153	94	17	24	24	NUM
ajbmeb-2153	94	18	may	may	PROPN
ajbmeb-2153	94	19	2024	2024	NUM
ajbmeb-2153	94	20	p	p	NOUN
ajbmeb-2153	94	21	a	a	DET
ajbmeb-2153	94	22	g	g	NOUN
ajbmeb-2153	94	23	e	e	NOUN
ajbmeb-2153	94	24	|	|	NOUN
ajbmeb-2153	94	25	153	153	NUM
ajbmeb-2153	94	26	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-2153	94	27	european	european	ADJ
ajbmeb-2153	94	28	banks	bank	NOUN
ajbmeb-2153	94	29	,	,	PUNCT
ajbmeb-2153	94	30	particularly	particularly	ADV
ajbmeb-2153	94	31	in	in	ADP
ajbmeb-2153	94	32	countries	country	NOUN
ajbmeb-2153	94	33	like	like	ADP
ajbmeb-2153	94	34	greece	greece	PROPN
ajbmeb-2153	94	35	and	and	CCONJ
ajbmeb-2153	94	36	italy	italy	PROPN
ajbmeb-2153	94	37	,	,	PUNCT
ajbmeb-2153	94	38	have	have	AUX
ajbmeb-2153	94	39	adopted	adopt	VERB
ajbmeb-2153	94	40	comprehensive	comprehensive	ADJ
ajbmeb-2153	94	41	strategies	strategy	NOUN
ajbmeb-2153	94	42	to	to	PART
ajbmeb-2153	94	43	manage	manage	VERB
ajbmeb-2153	94	44	npls	npls	NOUN
ajbmeb-2153	94	45	,	,	PUNCT
ajbmeb-2153	94	46	including	include	VERB
ajbmeb-2153	94	47	the	the	DET
ajbmeb-2153	94	48	establishment	establishment	NOUN
ajbmeb-2153	94	49	of	of	ADP
ajbmeb-2153	94	50	asset	asset	NOUN
ajbmeb-2153	94	51	management	management	NOUN
ajbmeb-2153	94	52	companies	company	NOUN
ajbmeb-2153	94	53	and	and	CCONJ
ajbmeb-2153	94	54	the	the	DET
ajbmeb-2153	94	55	use	use	NOUN
ajbmeb-2153	94	56	of	of	ADP
ajbmeb-2153	94	57	government	government	NOUN
ajbmeb-2153	94	58	-	-	PUNCT
ajbmeb-2153	94	59	backed	back	VERB
ajbmeb-2153	94	60	guarantee	guarantee	NOUN
ajbmeb-2153	94	61	schemes	scheme	NOUN
ajbmeb-2153	94	62	.	.	PUNCT
ajbmeb-2153	95	1	conclusion	conclusion	NOUN
ajbmeb-2153	95	2	efficiently	efficiently	ADV
ajbmeb-2153	95	3	managing	manage	VERB
ajbmeb-2153	95	4	problem	problem	NOUN
ajbmeb-2153	95	5	loans	loan	NOUN
ajbmeb-2153	95	6	is	be	AUX
ajbmeb-2153	95	7	essential	essential	ADJ
ajbmeb-2153	95	8	for	for	ADP
ajbmeb-2153	95	9	the	the	DET
ajbmeb-2153	95	10	stability	stability	NOUN
ajbmeb-2153	95	11	and	and	CCONJ
ajbmeb-2153	95	12	profitability	profitability	NOUN
ajbmeb-2153	95	13	of	of	ADP
ajbmeb-2153	95	14	banks	bank	NOUN
ajbmeb-2153	95	15	.	.	PUNCT
ajbmeb-2153	96	1	by	by	ADP
ajbmeb-2153	96	2	adopting	adopt	VERB
ajbmeb-2153	96	3	a	a	DET
ajbmeb-2153	96	4	multi	multi	ADJ
ajbmeb-2153	96	5	-	-	ADJ
ajbmeb-2153	96	6	faceted	faceted	ADJ
ajbmeb-2153	96	7	approach	approach	NOUN
ajbmeb-2153	96	8	that	that	PRON
ajbmeb-2153	96	9	includes	include	VERB
ajbmeb-2153	96	10	early	early	ADJ
ajbmeb-2153	96	11	identification	identification	NOUN
ajbmeb-2153	96	12	,	,	PUNCT
ajbmeb-2153	96	13	restructuring	restructuring	NOUN
ajbmeb-2153	96	14	,	,	PUNCT
ajbmeb-2153	96	15	specialized	specialized	ADJ
ajbmeb-2153	96	16	units	unit	NOUN
ajbmeb-2153	96	17	,	,	PUNCT
ajbmeb-2153	96	18	legal	legal	ADJ
ajbmeb-2153	96	19	frameworks	framework	NOUN
ajbmeb-2153	96	20	,	,	PUNCT
ajbmeb-2153	96	21	enhanced	enhance	VERB
ajbmeb-2153	96	22	communication	communication	NOUN
ajbmeb-2153	96	23	,	,	PUNCT
ajbmeb-2153	96	24	technology	technology	NOUN
ajbmeb-2153	96	25	,	,	PUNCT
ajbmeb-2153	96	26	and	and	CCONJ
ajbmeb-2153	96	27	partnerships	partnership	NOUN
ajbmeb-2153	96	28	,	,	PUNCT
ajbmeb-2153	96	29	banks	bank	NOUN
ajbmeb-2153	96	30	can	can	AUX
ajbmeb-2153	96	31	significantly	significantly	ADV
ajbmeb-2153	96	32	improve	improve	VERB
ajbmeb-2153	96	33	their	their	PRON
ajbmeb-2153	96	34	handling	handling	NOUN
ajbmeb-2153	96	35	of	of	ADP
ajbmeb-2153	96	36	npls	npls	NOUN
ajbmeb-2153	96	37	.	.	PUNCT
ajbmeb-2153	97	1	these	these	DET
ajbmeb-2153	97	2	strategies	strategy	NOUN
ajbmeb-2153	97	3	not	not	PART
ajbmeb-2153	97	4	only	only	ADV
ajbmeb-2153	97	5	mitigate	mitigate	VERB
ajbmeb-2153	97	6	risks	risk	NOUN
ajbmeb-2153	97	7	but	but	CCONJ
ajbmeb-2153	97	8	also	also	ADV
ajbmeb-2153	97	9	contribute	contribute	VERB
ajbmeb-2153	97	10	to	to	ADP
ajbmeb-2153	97	11	the	the	DET
ajbmeb-2153	97	12	overall	overall	ADJ
ajbmeb-2153	97	13	health	health	NOUN
ajbmeb-2153	97	14	of	of	ADP
ajbmeb-2153	97	15	the	the	DET
ajbmeb-2153	97	16	financial	financial	ADJ
ajbmeb-2153	97	17	system	system	NOUN
ajbmeb-2153	97	18	,	,	PUNCT
ajbmeb-2153	97	19	ensuring	ensure	VERB
ajbmeb-2153	97	20	that	that	SCONJ
ajbmeb-2153	97	21	banks	bank	NOUN
ajbmeb-2153	97	22	remain	remain	VERB
ajbmeb-2153	97	23	resilient	resilient	ADJ
ajbmeb-2153	97	24	in	in	ADP
ajbmeb-2153	97	25	the	the	DET
ajbmeb-2153	97	26	face	face	NOUN
ajbmeb-2153	97	27	of	of	ADP
ajbmeb-2153	97	28	economic	economic	ADJ
ajbmeb-2153	97	29	challenges	challenge	NOUN
ajbmeb-2153	97	30	.	.	PUNCT
ajbmeb-2153	98	1	references	reference	NOUN
ajbmeb-2153	98	2	1	1	NUM
ajbmeb-2153	98	3	.	.	PUNCT
ajbmeb-2153	98	4	aiyar	aiyar	PROPN
ajbmeb-2153	98	5	,	,	PUNCT
ajbmeb-2153	98	6	s.	s.	PROPN
ajbmeb-2153	98	7	,	,	PUNCT
ajbmeb-2153	98	8	bergthaler	bergthaler	NOUN
ajbmeb-2153	98	9	,	,	PUNCT
ajbmeb-2153	98	10	w.	w.	PROPN
ajbmeb-2153	98	11	,	,	PUNCT
ajbmeb-2153	98	12	garrido	garrido	PROPN
ajbmeb-2153	98	13	,	,	PUNCT
ajbmeb-2153	98	14	j.	j.	PROPN
ajbmeb-2153	98	15	,	,	PUNCT
ajbmeb-2153	98	16	ilyina	ilyina	PROPN
ajbmeb-2153	98	17	,	,	PUNCT
ajbmeb-2153	98	18	a.	a.	PROPN
ajbmeb-2153	98	19	,	,	PUNCT
ajbmeb-2153	98	20	jobst	jobst	PROPN
ajbmeb-2153	98	21	,	,	PUNCT
ajbmeb-2153	98	22	a.	a.	PROPN
ajbmeb-2153	98	23	,	,	PUNCT
ajbmeb-2153	98	24	kang	kang	PROPN
ajbmeb-2153	98	25	,	,	PUNCT
ajbmeb-2153	98	26	k.	k.	PROPN
ajbmeb-2153	98	27	,	,	PUNCT
ajbmeb-2153	98	28	...	...	PUNCT
ajbmeb-2153	98	29	&	&	CCONJ
ajbmeb-2153	98	30	kovtun	kovtun	PROPN
ajbmeb-2153	98	31	,	,	PUNCT
ajbmeb-2153	98	32	d.	d.	PROPN
ajbmeb-2153	98	33	(	(	PUNCT
ajbmeb-2153	98	34	2015	2015	NUM
ajbmeb-2153	98	35	)	)	PUNCT
ajbmeb-2153	98	36	.	.	PUNCT
ajbmeb-2153	99	1	a	a	DET
ajbmeb-2153	99	2	strategy	strategy	NOUN
ajbmeb-2153	99	3	for	for	ADP
ajbmeb-2153	99	4	resolving	resolve	VERB
ajbmeb-2153	99	5	europe	europe	PROPN
ajbmeb-2153	99	6	's	's	PART
ajbmeb-2153	99	7	problem	problem	NOUN
ajbmeb-2153	99	8	loans	loan	NOUN
ajbmeb-2153	99	9	.	.	PUNCT
ajbmeb-2153	100	1	imf	imf	PROPN
ajbmeb-2153	100	2	staff	staff	NOUN
ajbmeb-2153	100	3	discussion	discussion	NOUN
ajbmeb-2153	100	4	notes	note	NOUN
ajbmeb-2153	100	5	,	,	PUNCT
ajbmeb-2153	100	6	15(19	15(19	NUM
ajbmeb-2153	100	7	)	)	PUNCT
ajbmeb-2153	100	8	.	.	PUNCT
ajbmeb-2153	101	1	2	2	X
ajbmeb-2153	101	2	.	.	X
ajbmeb-2153	101	3	bholat	bholat	NOUN
ajbmeb-2153	101	4	,	,	PUNCT
ajbmeb-2153	101	5	d.	d.	PROPN
ajbmeb-2153	101	6	,	,	PUNCT
ajbmeb-2153	101	7	lastra	lastra	PROPN
ajbmeb-2153	101	8	,	,	PUNCT
ajbmeb-2153	101	9	r.	r.	PROPN
ajbmeb-2153	101	10	,	,	PUNCT
ajbmeb-2153	101	11	markose	markose	PROPN
ajbmeb-2153	101	12	,	,	PUNCT
ajbmeb-2153	101	13	s.	s.	PROPN
ajbmeb-2153	101	14	,	,	PUNCT
ajbmeb-2153	101	15	miglionico	miglionico	NOUN
ajbmeb-2153	101	16	,	,	PUNCT
ajbmeb-2153	101	17	a.	a.	PROPN
ajbmeb-2153	101	18	,	,	PUNCT
ajbmeb-2153	101	19	&	&	CCONJ
ajbmeb-2153	101	20	sen	sen	PROPN
ajbmeb-2153	101	21	,	,	PUNCT
ajbmeb-2153	101	22	k.	k.	PROPN
ajbmeb-2153	101	23	(	(	PUNCT
ajbmeb-2153	101	24	2016	2016	NUM
ajbmeb-2153	101	25	)	)	PUNCT
ajbmeb-2153	101	26	.	.	PUNCT
ajbmeb-2153	102	1	non	non	ADJ
ajbmeb-2153	102	2	-	-	ADJ
ajbmeb-2153	102	3	performing	performing	ADJ
ajbmeb-2153	102	4	loans	loan	NOUN
ajbmeb-2153	102	5	:	:	PUNCT
ajbmeb-2153	102	6	regulatory	regulatory	ADJ
ajbmeb-2153	102	7	and	and	CCONJ
ajbmeb-2153	102	8	accounting	accounting	NOUN
ajbmeb-2153	102	9	treatments	treatment	NOUN
ajbmeb-2153	102	10	of	of	ADP
ajbmeb-2153	102	11	assets	asset	NOUN
ajbmeb-2153	102	12	.	.	PUNCT
ajbmeb-2153	103	1	bank	bank	PROPN
ajbmeb-2153	103	2	of	of	ADP
ajbmeb-2153	103	3	england	england	PROPN
ajbmeb-2153	103	4	quarterly	quarterly	ADJ
ajbmeb-2153	103	5	bulletin	bulletin	NOUN
ajbmeb-2153	103	6	.	.	PUNCT
ajbmeb-2153	104	1	3	3	X
ajbmeb-2153	104	2	.	.	X
ajbmeb-2153	104	3	european	european	PROPN
ajbmeb-2153	104	4	central	central	PROPN
ajbmeb-2153	104	5	bank	bank	PROPN
ajbmeb-2153	104	6	.	.	PUNCT
ajbmeb-2153	105	1	(	(	PUNCT
ajbmeb-2153	105	2	2017	2017	NUM
ajbmeb-2153	105	3	)	)	PUNCT
ajbmeb-2153	105	4	.	.	PUNCT
ajbmeb-2153	106	1	guidance	guidance	NOUN
ajbmeb-2153	106	2	to	to	ADP
ajbmeb-2153	106	3	banks	bank	NOUN
ajbmeb-2153	106	4	on	on	ADP
ajbmeb-2153	106	5	non	non	ADJ
ajbmeb-2153	106	6	-	-	ADJ
ajbmeb-2153	106	7	performing	perform	VERB
ajbmeb-2153	106	8	loans	loan	NOUN
ajbmeb-2153	106	9	.	.	PUNCT
ajbmeb-2153	107	1	european	european	ADJ
ajbmeb-2153	107	2	central	central	PROPN
ajbmeb-2153	107	3	bank	bank	PROPN
ajbmeb-2153	107	4	.	.	PUNCT
ajbmeb-2153	108	1	4	4	X
ajbmeb-2153	108	2	.	.	X
ajbmeb-2153	108	3	fukuda	fukuda	PROPN
ajbmeb-2153	108	4	,	,	PUNCT
ajbmeb-2153	108	5	s.	s.	PROPN
ajbmeb-2153	108	6	,	,	PUNCT
ajbmeb-2153	108	7	kasuya	kasuya	NOUN
ajbmeb-2153	108	8	,	,	PUNCT
ajbmeb-2153	108	9	m.	m.	NOUN
ajbmeb-2153	108	10	,	,	PUNCT
ajbmeb-2153	108	11	&	&	CCONJ
ajbmeb-2153	108	12	nakajima	nakajima	PROPN
ajbmeb-2153	108	13	,	,	PUNCT
ajbmeb-2153	108	14	j.	j.	PROPN
ajbmeb-2153	108	15	(	(	PUNCT
ajbmeb-2153	108	16	2010	2010	NUM
ajbmeb-2153	108	17	)	)	PUNCT
ajbmeb-2153	108	18	.	.	PUNCT
ajbmeb-2153	109	1	imbalance	imbalance	NOUN
ajbmeb-2153	109	2	of	of	ADP
ajbmeb-2153	109	3	japan	japan	PROPN
ajbmeb-2153	109	4	's	's	PART
ajbmeb-2153	109	5	regional	regional	PROPN
ajbmeb-2153	109	6	bank	bank	NOUN
ajbmeb-2153	109	7	loan	loan	NOUN
ajbmeb-2153	109	8	markets	market	NOUN
ajbmeb-2153	109	9	and	and	CCONJ
ajbmeb-2153	109	10	the	the	DET
ajbmeb-2153	109	11	economic	economic	ADJ
ajbmeb-2153	109	12	role	role	NOUN
ajbmeb-2153	109	13	of	of	ADP
ajbmeb-2153	109	14	the	the	DET
ajbmeb-2153	109	15	government	government	NOUN
ajbmeb-2153	109	16	.	.	PUNCT
ajbmeb-2153	110	1	journal	journal	PROPN
ajbmeb-2153	110	2	of	of	ADP
ajbmeb-2153	110	3	banking	banking	NOUN
ajbmeb-2153	110	4	&	&	CCONJ
ajbmeb-2153	110	5	finance	finance	PROPN
ajbmeb-2153	110	6	,	,	PUNCT
ajbmeb-2153	110	7	34(10	34(10	NUM
ajbmeb-2153	110	8	)	)	PUNCT
ajbmeb-2153	110	9	,	,	PUNCT
ajbmeb-2153	110	10	2481	2481	NUM
ajbmeb-2153	110	11	-	-	SYM
ajbmeb-2153	110	12	2492	2492	NUM
ajbmeb-2153	110	13	.	.	PUNCT
ajbmeb-2153	111	1	5	5	X
ajbmeb-2153	111	2	.	.	X
ajbmeb-2153	111	3	ghosh	ghosh	PROPN
ajbmeb-2153	111	4	,	,	PUNCT
ajbmeb-2153	111	5	a.	a.	NOUN
ajbmeb-2153	111	6	(	(	PUNCT
ajbmeb-2153	111	7	2015	2015	NUM
ajbmeb-2153	111	8	)	)	PUNCT
ajbmeb-2153	111	9	.	.	PUNCT
ajbmeb-2153	112	1	banking	banking	NOUN
ajbmeb-2153	112	2	-	-	PUNCT
ajbmeb-2153	112	3	industry	industry	NOUN
ajbmeb-2153	112	4	specific	specific	ADJ
ajbmeb-2153	112	5	and	and	CCONJ
ajbmeb-2153	112	6	regional	regional	ADJ
ajbmeb-2153	112	7	economic	economic	ADJ
ajbmeb-2153	112	8	determinants	determinant	NOUN
ajbmeb-2153	112	9	of	of	ADP
ajbmeb-2153	112	10	nonperforming	nonperforme	VERB
ajbmeb-2153	112	11	loans	loan	NOUN
ajbmeb-2153	112	12	:	:	PUNCT
ajbmeb-2153	112	13	evidence	evidence	NOUN
ajbmeb-2153	112	14	from	from	ADP
ajbmeb-2153	112	15	us	us	PROPN
ajbmeb-2153	112	16	states	state	NOUN
ajbmeb-2153	112	17	.	.	PUNCT
ajbmeb-2153	113	1	journal	journal	NOUN
ajbmeb-2153	113	2	of	of	ADP
ajbmeb-2153	113	3	financial	financial	ADJ
ajbmeb-2153	113	4	stability	stability	NOUN
ajbmeb-2153	113	5	,	,	PUNCT
ajbmeb-2153	113	6	20	20	NUM
ajbmeb-2153	113	7	,	,	PUNCT
ajbmeb-2153	113	8	93	93	NUM
ajbmeb-2153	113	9	-	-	SYM
ajbmeb-2153	113	10	104	104	NUM
ajbmeb-2153	113	11	.	.	PUNCT
ajbmeb-2153	114	1	6	6	NUM
ajbmeb-2153	114	2	.	.	X
ajbmeb-2153	114	3	international	international	ADJ
ajbmeb-2153	114	4	monetary	monetary	ADJ
ajbmeb-2153	114	5	fund	fund	NOUN
ajbmeb-2153	114	6	.	.	PUNCT
ajbmeb-2153	115	1	(	(	PUNCT
ajbmeb-2153	115	2	2019	2019	NUM
ajbmeb-2153	115	3	)	)	PUNCT
ajbmeb-2153	115	4	.	.	PUNCT
ajbmeb-2153	116	1	global	global	ADJ
ajbmeb-2153	116	2	financial	financial	ADJ
ajbmeb-2153	116	3	stability	stability	NOUN
ajbmeb-2153	116	4	report	report	NOUN
ajbmeb-2153	116	5	:	:	PUNCT
ajbmeb-2153	116	6	lower	low	ADJ
ajbmeb-2153	116	7	for	for	ADP
ajbmeb-2153	116	8	longer	long	ADJ
ajbmeb-2153	116	9	.	.	PUNCT
ajbmeb-2153	117	1	imf	imf	PROPN
ajbmeb-2153	117	2	.	.	PUNCT
ajbmeb-2153	118	1	7	7	X
ajbmeb-2153	118	2	.	.	X
ajbmeb-2153	118	3	louzis	louzi	NOUN
ajbmeb-2153	118	4	,	,	PUNCT
ajbmeb-2153	118	5	d.	d.	PROPN
ajbmeb-2153	118	6	p.	p.	PROPN
ajbmeb-2153	118	7	,	,	PUNCT
ajbmeb-2153	118	8	vouldis	vouldis	PROPN
ajbmeb-2153	118	9	,	,	PUNCT
ajbmeb-2153	118	10	a.	a.	NOUN
ajbmeb-2153	118	11	t.	t.	PROPN
ajbmeb-2153	118	12	,	,	PUNCT
ajbmeb-2153	118	13	&	&	CCONJ
ajbmeb-2153	118	14	metaxas	metaxas	PROPN
ajbmeb-2153	118	15	,	,	PUNCT
ajbmeb-2153	118	16	v.	v.	ADP
ajbmeb-2153	118	17	l.	l.	PROPN
ajbmeb-2153	118	18	(	(	PUNCT
ajbmeb-2153	118	19	2012	2012	NUM
ajbmeb-2153	118	20	)	)	PUNCT
ajbmeb-2153	118	21	.	.	PUNCT
ajbmeb-2153	119	1	macroeconomic	macroeconomic	ADJ
ajbmeb-2153	119	2	and	and	CCONJ
ajbmeb-2153	119	3	bank	bank	NOUN
ajbmeb-2153	119	4	-	-	PUNCT
ajbmeb-2153	119	5	specific	specific	ADJ
ajbmeb-2153	119	6	determinants	determinant	NOUN
ajbmeb-2153	119	7	of	of	ADP
ajbmeb-2153	119	8	non	non	ADJ
ajbmeb-2153	119	9	-	-	ADJ
ajbmeb-2153	119	10	performing	performing	ADJ
ajbmeb-2153	119	11	loans	loan	NOUN
ajbmeb-2153	119	12	in	in	ADP
ajbmeb-2153	119	13	greece	greece	PROPN
ajbmeb-2153	119	14	:	:	PUNCT
ajbmeb-2153	119	15	a	a	DET
ajbmeb-2153	119	16	comparative	comparative	ADJ
ajbmeb-2153	119	17	study	study	NOUN
ajbmeb-2153	119	18	of	of	ADP
ajbmeb-2153	119	19	mortgage	mortgage	NOUN
ajbmeb-2153	119	20	,	,	PUNCT
ajbmeb-2153	119	21	business	business	NOUN
ajbmeb-2153	119	22	,	,	PUNCT
ajbmeb-2153	119	23	and	and	CCONJ
ajbmeb-2153	119	24	consumer	consumer	NOUN
ajbmeb-2153	119	25	loan	loan	NOUN
ajbmeb-2153	119	26	portfolios	portfolio	NOUN
ajbmeb-2153	119	27	.	.	PUNCT
ajbmeb-2153	120	1	journal	journal	NOUN
ajbmeb-2153	120	2	of	of	ADP
ajbmeb-2153	120	3	banking	banking	NOUN
ajbmeb-2153	120	4	&	&	CCONJ
ajbmeb-2153	120	5	finance	finance	PROPN
ajbmeb-2153	120	6	,	,	PUNCT
ajbmeb-2153	120	7	36(4	36(4	NUM
ajbmeb-2153	120	8	)	)	PUNCT
ajbmeb-2153	120	9	,	,	PUNCT
ajbmeb-2153	120	10	1012	1012	NUM
ajbmeb-2153	120	11	-	-	SYM
ajbmeb-2153	120	12	1027	1027	NUM
ajbmeb-2153	120	13	.	.	PUNCT
ajbmeb-2153	121	1	8	8	NUM
ajbmeb-2153	121	2	.	.	PUNCT
ajbmeb-2153	122	1	nkusu	nkusu	PROPN
ajbmeb-2153	122	2	,	,	PUNCT
ajbmeb-2153	122	3	m.	m.	NOUN
ajbmeb-2153	122	4	(	(	PUNCT
ajbmeb-2153	122	5	2011	2011	NUM
ajbmeb-2153	122	6	)	)	PUNCT
ajbmeb-2153	122	7	.	.	PUNCT
ajbmeb-2153	123	1	nonperforming	nonperforme	VERB
ajbmeb-2153	123	2	loans	loan	NOUN
ajbmeb-2153	123	3	and	and	CCONJ
ajbmeb-2153	123	4	macrofinancial	macrofinancial	ADJ
ajbmeb-2153	123	5	vulnerabilities	vulnerability	NOUN
ajbmeb-2153	123	6	in	in	ADP
ajbmeb-2153	123	7	advanced	advanced	ADJ
ajbmeb-2153	123	8	economies	economy	NOUN
ajbmeb-2153	123	9	.	.	PUNCT
ajbmeb-2153	124	1	imf	imf	PROPN
ajbmeb-2153	124	2	working	working	PROPN
ajbmeb-2153	124	3	papers	paper	NOUN
ajbmeb-2153	124	4	,	,	PUNCT
ajbmeb-2153	124	5	11(161	11(161	NOUN
ajbmeb-2153	124	6	)	)	PUNCT
ajbmeb-2153	124	7	.	.	PUNCT
ajbmeb-2153	125	1	9	9	X
ajbmeb-2153	125	2	.	.	X
ajbmeb-2153	126	1	reinhart	reinhart	PROPN
ajbmeb-2153	126	2	,	,	PUNCT
ajbmeb-2153	126	3	c.	c.	PROPN
ajbmeb-2153	126	4	m.	m.	PROPN
ajbmeb-2153	126	5	,	,	PUNCT
ajbmeb-2153	126	6	&	&	CCONJ
ajbmeb-2153	126	7	rogoff	rogoff	PROPN
ajbmeb-2153	126	8	,	,	PUNCT
ajbmeb-2153	126	9	k.	k.	PROPN
ajbmeb-2153	126	10	s.	s.	PROPN
ajbmeb-2153	126	11	(	(	PUNCT
ajbmeb-2153	126	12	2009	2009	NUM
ajbmeb-2153	126	13	)	)	PUNCT
ajbmeb-2153	126	14	.	.	PUNCT
ajbmeb-2153	127	1	the	the	DET
ajbmeb-2153	127	2	aftermath	aftermath	NOUN
ajbmeb-2153	127	3	of	of	ADP
ajbmeb-2153	127	4	financial	financial	ADJ
ajbmeb-2153	127	5	crises	crisis	NOUN
ajbmeb-2153	127	6	.	.	PUNCT
ajbmeb-2153	128	1	american	american	PROPN
ajbmeb-2153	128	2	economic	economic	PROPN
ajbmeb-2153	128	3	review	review	PROPN
ajbmeb-2153	128	4	,	,	PUNCT
ajbmeb-2153	128	5	99(2	99(2	PROPN
ajbmeb-2153	128	6	)	)	PUNCT
ajbmeb-2153	128	7	,	,	PUNCT
ajbmeb-2153	128	8	466	466	NUM
ajbmeb-2153	128	9	-	-	SYM
ajbmeb-2153	128	10	472	472	NUM
ajbmeb-2153	128	11	.	.	PUNCT
ajbmeb-2153	129	1	10	10	NUM
ajbmeb-2153	129	2	.	.	X
ajbmeb-2153	130	1	zhang	zhang	PROPN
ajbmeb-2153	130	2	,	,	PUNCT
ajbmeb-2153	130	3	d.	d.	PROPN
ajbmeb-2153	130	4	,	,	PUNCT
ajbmeb-2153	130	5	cai	cai	PROPN
ajbmeb-2153	130	6	,	,	PUNCT
ajbmeb-2153	130	7	j.	j.	PROPN
ajbmeb-2153	130	8	,	,	PUNCT
ajbmeb-2153	130	9	dickinson	dickinson	PROPN
ajbmeb-2153	130	10	,	,	PUNCT
ajbmeb-2153	130	11	d.	d.	PROPN
ajbmeb-2153	130	12	g.	g.	PROPN
ajbmeb-2153	130	13	,	,	PUNCT
ajbmeb-2153	130	14	&	&	CCONJ
ajbmeb-2153	130	15	kutan	kutan	PROPN
ajbmeb-2153	130	16	,	,	PUNCT
ajbmeb-2153	130	17	a.	a.	NOUN
ajbmeb-2153	130	18	m.	m.	NOUN
ajbmeb-2153	130	19	(	(	PUNCT
ajbmeb-2153	130	20	2016	2016	NUM
ajbmeb-2153	130	21	)	)	PUNCT
ajbmeb-2153	130	22	.	.	PUNCT
ajbmeb-2153	131	1	non	non	ADJ
ajbmeb-2153	131	2	-	-	ADJ
ajbmeb-2153	131	3	performing	perform	VERB
ajbmeb-2153	131	4	loans	loan	NOUN
ajbmeb-2153	131	5	,	,	PUNCT
ajbmeb-2153	131	6	moral	moral	ADJ
ajbmeb-2153	131	7	hazard	hazard	NOUN
ajbmeb-2153	131	8	and	and	CCONJ
ajbmeb-2153	131	9	regulation	regulation	NOUN
ajbmeb-2153	131	10	of	of	ADP
ajbmeb-2153	131	11	the	the	DET
ajbmeb-2153	131	12	chinese	chinese	ADJ
ajbmeb-2153	131	13	commercial	commercial	ADJ
ajbmeb-2153	131	14	banking	banking	NOUN
ajbmeb-2153	131	15	system	system	NOUN
ajbmeb-2153	131	16	.	.	PUNCT
ajbmeb-2153	132	1	journal	journal	NOUN
ajbmeb-2153	132	2	of	of	ADP
ajbmeb-2153	132	3	banking	banking	NOUN
ajbmeb-2153	132	4	&	&	CCONJ
ajbmeb-2153	132	5	finance	finance	PROPN
ajbmeb-2153	132	6	,	,	PUNCT
ajbmeb-2153	132	7	63	63	NUM
ajbmeb-2153	132	8	,	,	PUNCT
ajbmeb-2153	132	9	4860	4860	NUM
ajbmeb-2153	132	10	.	.	PUNCT