id	sid	tid	token	lemma	pos
ajbmeb-2472	1	1	american	american	PROPN
ajbmeb-2472	1	2	journal	journal	PROPN
ajbmeb-2472	1	3	of	of	ADP
ajbmeb-2472	1	4	business	business	NOUN
ajbmeb-2472	1	5	management	management	NOUN
ajbmeb-2472	1	6	,	,	PUNCT
ajbmeb-2472	1	7	economics	economic	NOUN
ajbmeb-2472	1	8	and	and	CCONJ
ajbmeb-2472	1	9	banking	banking	NOUN
ajbmeb-2472	1	10	issn	issn	PROPN
ajbmeb-2472	1	11	(	(	PUNCT
ajbmeb-2472	1	12	e	e	NOUN
ajbmeb-2472	1	13	):	):	PUNCT
ajbmeb-2472	1	14	2832	2832	NUM
ajbmeb-2472	1	15	-	-	SYM
ajbmeb-2472	1	16	8078	8078	NUM
ajbmeb-2472	1	17	volume	volume	NOUN
ajbmeb-2472	1	18	30	30	NUM
ajbmeb-2472	1	19	,	,	PUNCT
ajbmeb-2472	1	20	|	|	ADV
ajbmeb-2472	1	21	november	november	PROPN
ajbmeb-2472	1	22	2024	2024	NUM
ajbmeb-2472	1	23	p	p	NOUN
ajbmeb-2472	1	24	a	a	DET
ajbmeb-2472	1	25	g	g	NOUN
ajbmeb-2472	1	26	e	e	NOUN
ajbmeb-2472	1	27	|	|	ADV
ajbmeb-2472	1	28	42	42	NUM
ajbmeb-2472	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2472	1	30	rating	rating	NOUN
ajbmeb-2472	1	31	assessment	assessment	NOUN
ajbmeb-2472	1	32	of	of	ADP
ajbmeb-2472	1	33	the	the	DET
ajbmeb-2472	1	34	activity	activity	NOUN
ajbmeb-2472	1	35	of	of	ADP
ajbmeb-2472	1	36	commercial	commercial	ADJ
ajbmeb-2472	1	37	banks	bank	NOUN
ajbmeb-2472	1	38	branches	branch	NOUN
ajbmeb-2472	1	39	rajabov	rajabov	VERB
ajbmeb-2472	1	40	behzod	behzod	ADJ
ajbmeb-2472	1	41	mirshodovich	mirshodovich	NOUN
ajbmeb-2472	1	42	a	a	DET
ajbmeb-2472	1	43	doctoral	doctoral	ADJ
ajbmeb-2472	1	44	student	student	NOUN
ajbmeb-2472	1	45	of	of	ADP
ajbmeb-2472	1	46	tashkent	tashkent	PROPN
ajbmeb-2472	1	47	state	state	PROPN
ajbmeb-2472	1	48	university	university	PROPN
ajbmeb-2472	1	49	of	of	ADP
ajbmeb-2472	1	50	economics	economic	NOUN
ajbmeb-2472	1	51	,	,	PUNCT
ajbmeb-2472	1	52	tashkent	tashkent	PROPN
ajbmeb-2472	1	53	,	,	PUNCT
ajbmeb-2472	1	54	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	1	55	https://orcid.org/0009-0002-4899-6436	https://orcid.org/0009-0002-4899-6436	PROPN
ajbmeb-2472	1	56	behzodrajabov060@gmail.com	behzodrajabov060@gmail.com	PROPN
ajbmeb-2472	2	1	a	a	DET
ajbmeb-2472	2	2	b	b	PROPN
ajbmeb-2472	2	3	s	s	ADP
ajbmeb-2472	2	4	t	t	PROPN
ajbmeb-2472	2	5	r	r	NOUN
ajbmeb-2472	2	6	a	a	DET
ajbmeb-2472	2	7	c	c	NOUN
ajbmeb-2472	2	8	t	t	NOUN
ajbmeb-2472	2	9	k	k	X
ajbmeb-2472	3	1	e	e	PROPN
ajbmeb-2472	3	2	y	y	PROPN
ajbmeb-2472	3	3	w	w	NOUN
ajbmeb-2472	3	4	o	o	NOUN
ajbmeb-2472	3	5	r	r	NOUN
ajbmeb-2472	3	6	d	d	X
ajbmeb-2472	3	7	s	s	NOUN
ajbmeb-2472	3	8	in	in	ADP
ajbmeb-2472	3	9	the	the	DET
ajbmeb-2472	3	10	market	market	NOUN
ajbmeb-2472	3	11	of	of	ADP
ajbmeb-2472	3	12	banking	banking	NOUN
ajbmeb-2472	3	13	services	service	NOUN
ajbmeb-2472	3	14	,	,	PUNCT
ajbmeb-2472	3	15	it	it	PRON
ajbmeb-2472	3	16	is	be	AUX
ajbmeb-2472	3	17	important	important	ADJ
ajbmeb-2472	3	18	to	to	PART
ajbmeb-2472	3	19	increase	increase	VERB
ajbmeb-2472	3	20	the	the	DET
ajbmeb-2472	3	21	sales	sale	NOUN
ajbmeb-2472	3	22	of	of	ADP
ajbmeb-2472	3	23	services	service	NOUN
ajbmeb-2472	3	24	by	by	ADP
ajbmeb-2472	3	25	expanding	expand	VERB
ajbmeb-2472	3	26	business	business	NOUN
ajbmeb-2472	3	27	and	and	CCONJ
ajbmeb-2472	3	28	organizing	organize	VERB
ajbmeb-2472	3	29	branch	branch	NOUN
ajbmeb-2472	3	30	activities	activity	NOUN
ajbmeb-2472	3	31	.	.	PUNCT
ajbmeb-2472	4	1	evaluating	evaluate	VERB
ajbmeb-2472	4	2	the	the	DET
ajbmeb-2472	4	3	activities	activity	NOUN
ajbmeb-2472	4	4	of	of	ADP
ajbmeb-2472	4	5	bank	bank	NOUN
ajbmeb-2472	4	6	branches	branch	NOUN
ajbmeb-2472	4	7	and	and	CCONJ
ajbmeb-2472	4	8	coordinating	coordinate	VERB
ajbmeb-2472	4	9	their	their	PRON
ajbmeb-2472	4	10	activities	activity	NOUN
ajbmeb-2472	4	11	is	be	AUX
ajbmeb-2472	4	12	one	one	NUM
ajbmeb-2472	4	13	of	of	ADP
ajbmeb-2472	4	14	the	the	DET
ajbmeb-2472	4	15	important	important	ADJ
ajbmeb-2472	4	16	and	and	CCONJ
ajbmeb-2472	4	17	urgent	urgent	ADJ
ajbmeb-2472	4	18	tasks	task	NOUN
ajbmeb-2472	4	19	of	of	ADP
ajbmeb-2472	4	20	bank	bank	NOUN
ajbmeb-2472	4	21	management	management	NOUN
ajbmeb-2472	4	22	.	.	PUNCT
ajbmeb-2472	5	1	it	it	PRON
ajbmeb-2472	5	2	is	be	AUX
ajbmeb-2472	5	3	important	important	ADJ
ajbmeb-2472	5	4	to	to	PART
ajbmeb-2472	5	5	identify	identify	VERB
ajbmeb-2472	5	6	the	the	DET
ajbmeb-2472	5	7	branches	branch	NOUN
ajbmeb-2472	5	8	of	of	ADP
ajbmeb-2472	5	9	the	the	DET
ajbmeb-2472	5	10	bank	bank	NOUN
ajbmeb-2472	5	11	that	that	PRON
ajbmeb-2472	5	12	have	have	AUX
ajbmeb-2472	5	13	achieved	achieve	VERB
ajbmeb-2472	5	14	good	good	ADJ
ajbmeb-2472	5	15	results	result	NOUN
ajbmeb-2472	5	16	and	and	CCONJ
ajbmeb-2472	5	17	those	those	PRON
ajbmeb-2472	5	18	that	that	PRON
ajbmeb-2472	5	19	are	be	AUX
ajbmeb-2472	5	20	lagging	lag	VERB
ajbmeb-2472	5	21	behind	behind	ADP
ajbmeb-2472	5	22	the	the	DET
ajbmeb-2472	5	23	average	average	ADJ
ajbmeb-2472	5	24	indicators	indicator	NOUN
ajbmeb-2472	5	25	and	and	CCONJ
ajbmeb-2472	5	26	to	to	PART
ajbmeb-2472	5	27	take	take	VERB
ajbmeb-2472	5	28	measures	measure	NOUN
ajbmeb-2472	5	29	to	to	PART
ajbmeb-2472	5	30	improve	improve	VERB
ajbmeb-2472	5	31	their	their	PRON
ajbmeb-2472	5	32	performance	performance	NOUN
ajbmeb-2472	5	33	.	.	PUNCT
ajbmeb-2472	6	1	this	this	PRON
ajbmeb-2472	6	2	leads	lead	VERB
ajbmeb-2472	6	3	to	to	ADP
ajbmeb-2472	6	4	the	the	DET
ajbmeb-2472	6	5	need	need	NOUN
ajbmeb-2472	6	6	to	to	PART
ajbmeb-2472	6	7	create	create	VERB
ajbmeb-2472	6	8	a	a	DET
ajbmeb-2472	6	9	system	system	NOUN
ajbmeb-2472	6	10	for	for	ADP
ajbmeb-2472	6	11	evaluating	evaluate	VERB
ajbmeb-2472	6	12	the	the	DET
ajbmeb-2472	6	13	activities	activity	NOUN
ajbmeb-2472	6	14	of	of	ADP
ajbmeb-2472	6	15	bank	bank	NOUN
ajbmeb-2472	6	16	branches	branch	NOUN
ajbmeb-2472	6	17	and	and	CCONJ
ajbmeb-2472	6	18	divisions	division	NOUN
ajbmeb-2472	6	19	.	.	PUNCT
ajbmeb-2472	7	1	however	however	ADV
ajbmeb-2472	7	2	,	,	PUNCT
ajbmeb-2472	7	3	it	it	PRON
ajbmeb-2472	7	4	requires	require	VERB
ajbmeb-2472	7	5	the	the	DET
ajbmeb-2472	7	6	use	use	NOUN
ajbmeb-2472	7	7	of	of	ADP
ajbmeb-2472	7	8	accurate	accurate	ADJ
ajbmeb-2472	7	9	evaluation	evaluation	NOUN
ajbmeb-2472	7	10	methods	method	NOUN
ajbmeb-2472	7	11	to	to	PART
ajbmeb-2472	7	12	identify	identify	VERB
ajbmeb-2472	7	13	branches	branch	NOUN
ajbmeb-2472	7	14	that	that	PRON
ajbmeb-2472	7	15	are	be	AUX
ajbmeb-2472	7	16	lagging	lag	VERB
ajbmeb-2472	7	17	behind	behind	ADP
ajbmeb-2472	7	18	due	due	ADP
ajbmeb-2472	7	19	to	to	ADP
ajbmeb-2472	7	20	management	management	NOUN
ajbmeb-2472	7	21	inefficiency	inefficiency	NOUN
ajbmeb-2472	7	22	,	,	PUNCT
ajbmeb-2472	7	23	mislocation	mislocation	NOUN
ajbmeb-2472	7	24	,	,	PUNCT
ajbmeb-2472	7	25	and	and	CCONJ
ajbmeb-2472	7	26	other	other	ADJ
ajbmeb-2472	7	27	aspects	aspect	NOUN
ajbmeb-2472	7	28	.	.	PUNCT
ajbmeb-2472	8	1	the	the	DET
ajbmeb-2472	8	2	rating	rating	NOUN
ajbmeb-2472	8	3	and	and	CCONJ
ajbmeb-2472	8	4	rating	rating	NOUN
ajbmeb-2472	8	5	system	system	NOUN
ajbmeb-2472	8	6	allows	allow	VERB
ajbmeb-2472	8	7	for	for	ADP
ajbmeb-2472	8	8	a	a	DET
ajbmeb-2472	8	9	systematic	systematic	ADJ
ajbmeb-2472	8	10	analysis	analysis	NOUN
ajbmeb-2472	8	11	of	of	ADP
ajbmeb-2472	8	12	branch	branch	NOUN
ajbmeb-2472	8	13	activities	activity	NOUN
ajbmeb-2472	8	14	,	,	PUNCT
ajbmeb-2472	8	15	identification	identification	NOUN
ajbmeb-2472	8	16	of	of	ADP
ajbmeb-2472	8	17	negative	negative	ADJ
ajbmeb-2472	8	18	factors	factor	NOUN
ajbmeb-2472	8	19	affecting	affect	VERB
ajbmeb-2472	8	20	their	their	PRON
ajbmeb-2472	8	21	activity	activity	NOUN
ajbmeb-2472	8	22	,	,	PUNCT
ajbmeb-2472	8	23	and	and	CCONJ
ajbmeb-2472	8	24	identification	identification	NOUN
ajbmeb-2472	8	25	of	of	ADP
ajbmeb-2472	8	26	leading	lead	VERB
ajbmeb-2472	8	27	and	and	CCONJ
ajbmeb-2472	8	28	lagging	lag	VERB
ajbmeb-2472	8	29	units	unit	NOUN
ajbmeb-2472	8	30	.	.	PUNCT
ajbmeb-2472	9	1	this	this	DET
ajbmeb-2472	9	2	article	article	NOUN
ajbmeb-2472	9	3	examines	examine	VERB
ajbmeb-2472	9	4	the	the	DET
ajbmeb-2472	9	5	issues	issue	NOUN
ajbmeb-2472	9	6	of	of	ADP
ajbmeb-2472	9	7	using	use	VERB
ajbmeb-2472	9	8	the	the	DET
ajbmeb-2472	9	9	rating	rating	NOUN
ajbmeb-2472	9	10	evaluation	evaluation	NOUN
ajbmeb-2472	9	11	system	system	NOUN
ajbmeb-2472	9	12	in	in	ADP
ajbmeb-2472	9	13	the	the	DET
ajbmeb-2472	9	14	activities	activity	NOUN
ajbmeb-2472	9	15	of	of	ADP
ajbmeb-2472	9	16	the	the	DET
ajbmeb-2472	9	17	branches	branch	NOUN
ajbmeb-2472	9	18	of	of	ADP
ajbmeb-2472	9	19	the	the	DET
ajbmeb-2472	9	20	banks	bank	NOUN
ajbmeb-2472	9	21	of	of	ADP
ajbmeb-2472	9	22	the	the	DET
ajbmeb-2472	9	23	republic	republic	NOUN
ajbmeb-2472	9	24	of	of	ADP
ajbmeb-2472	9	25	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	9	26	and	and	CCONJ
ajbmeb-2472	9	27	makes	make	VERB
ajbmeb-2472	9	28	recommendations	recommendation	NOUN
ajbmeb-2472	9	29	for	for	ADP
ajbmeb-2472	9	30	its	its	PRON
ajbmeb-2472	9	31	improvement	improvement	NOUN
ajbmeb-2472	9	32	.	.	PUNCT
ajbmeb-2472	10	1	bank	bank	NOUN
ajbmeb-2472	10	2	branch	branch	NOUN
ajbmeb-2472	10	3	,	,	PUNCT
ajbmeb-2472	10	4	rating	rating	NOUN
ajbmeb-2472	10	5	,	,	PUNCT
ajbmeb-2472	10	6	rating	rating	NOUN
ajbmeb-2472	10	7	evaluation	evaluation	NOUN
ajbmeb-2472	10	8	,	,	PUNCT
ajbmeb-2472	10	9	profit	profit	NOUN
ajbmeb-2472	10	10	per	per	ADP
ajbmeb-2472	10	11	employee	employee	NOUN
ajbmeb-2472	10	12	,	,	PUNCT
ajbmeb-2472	10	13	income	income	NOUN
ajbmeb-2472	10	14	,	,	PUNCT
ajbmeb-2472	10	15	cost	cost	NOUN
ajbmeb-2472	10	16	,	,	PUNCT
ajbmeb-2472	10	17	net	net	ADJ
ajbmeb-2472	10	18	profit	profit	NOUN
ajbmeb-2472	10	19	,	,	PUNCT
ajbmeb-2472	10	20	efficiency	efficiency	NOUN
ajbmeb-2472	10	21	,	,	PUNCT
ajbmeb-2472	10	22	interest	interest	NOUN
ajbmeb-2472	10	23	income	income	NOUN
ajbmeb-2472	10	24	,	,	PUNCT
ajbmeb-2472	10	25	noninterest	noninter	ADJ
ajbmeb-2472	10	26	income	income	NOUN
ajbmeb-2472	10	27	,	,	PUNCT
ajbmeb-2472	10	28	asset	asset	NOUN
ajbmeb-2472	10	29	efficiency	efficiency	NOUN
ajbmeb-2472	10	30	,	,	PUNCT
ajbmeb-2472	10	31	capital	capital	NOUN
ajbmeb-2472	10	32	efficiency	efficiency	NOUN
ajbmeb-2472	10	33	,	,	PUNCT
ajbmeb-2472	10	34	net	net	ADJ
ajbmeb-2472	10	35	interest	interest	NOUN
ajbmeb-2472	10	36	margin	margin	NOUN
ajbmeb-2472	10	37	.	.	PUNCT
ajbmeb-2472	11	1	introduction	introduction	NOUN
ajbmeb-2472	11	2	according	accord	VERB
ajbmeb-2472	11	3	to	to	ADP
ajbmeb-2472	11	4	the	the	DET
ajbmeb-2472	11	5	decree	decree	NOUN
ajbmeb-2472	11	6	of	of	ADP
ajbmeb-2472	11	7	the	the	DET
ajbmeb-2472	11	8	president	president	NOUN
ajbmeb-2472	11	9	of	of	ADP
ajbmeb-2472	11	10	the	the	DET
ajbmeb-2472	11	11	republic	republic	NOUN
ajbmeb-2472	11	12	of	of	ADP
ajbmeb-2472	11	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	11	14	dated	date	VERB
ajbmeb-2472	11	15	may	may	PROPN
ajbmeb-2472	11	16	12	12	NUM
ajbmeb-2472	11	17	,	,	PUNCT
ajbmeb-2472	11	18	2020	2020	NUM
ajbmeb-2472	11	19	no	no	NOUN
ajbmeb-2472	11	20	.	.	PUNCT
ajbmeb-2472	11	21	5992	5992	NUM
ajbmeb-2472	11	22	“	"	PUNCT
ajbmeb-2472	11	23	on	on	ADP
ajbmeb-2472	11	24	the	the	DET
ajbmeb-2472	11	25	strategy	strategy	NOUN
ajbmeb-2472	11	26	of	of	ADP
ajbmeb-2472	11	27	reforming	reform	VERB
ajbmeb-2472	11	28	the	the	DET
ajbmeb-2472	11	29	banking	banking	NOUN
ajbmeb-2472	11	30	system	system	NOUN
ajbmeb-2472	11	31	of	of	ADP
ajbmeb-2472	11	32	the	the	DET
ajbmeb-2472	11	33	republic	republic	NOUN
ajbmeb-2472	11	34	of	of	ADP
ajbmeb-2472	11	35	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	11	36	for	for	ADP
ajbmeb-2472	11	37	2020	2020	NUM
ajbmeb-2472	11	38	-	-	SYM
ajbmeb-2472	11	39	2025	2025	NUM
ajbmeb-2472	11	40	”	"	PUNCT
ajbmeb-2472	11	41	in	in	ADP
ajbmeb-2472	11	42	order	order	NOUN
ajbmeb-2472	11	43	to	to	PART
ajbmeb-2472	11	44	increase	increase	VERB
ajbmeb-2472	11	45	the	the	DET
ajbmeb-2472	11	46	popularity	popularity	NOUN
ajbmeb-2472	11	47	of	of	ADP
ajbmeb-2472	11	48	financial	financial	ADJ
ajbmeb-2472	11	49	services	service	NOUN
ajbmeb-2472	11	50	of	of	ADP
ajbmeb-2472	11	51	banks	bank	NOUN
ajbmeb-2472	11	52	:	:	PUNCT
ajbmeb-2472	11	53	by	by	ADP
ajbmeb-2472	11	54	expanding	expand	VERB
ajbmeb-2472	11	55	the	the	DET
ajbmeb-2472	11	56	network	network	NOUN
ajbmeb-2472	11	57	of	of	ADP
ajbmeb-2472	11	58	compact	compact	ADJ
ajbmeb-2472	11	59	“	"	PUNCT
ajbmeb-2472	11	60	banking	banking	NOUN
ajbmeb-2472	11	61	services	service	NOUN
ajbmeb-2472	11	62	offices	office	NOUN
ajbmeb-2472	11	63	”	"	PUNCT
ajbmeb-2472	11	64	that	that	PRON
ajbmeb-2472	11	65	do	do	AUX
ajbmeb-2472	11	66	not	not	PART
ajbmeb-2472	11	67	require	require	VERB
ajbmeb-2472	11	68	employees	employee	NOUN
ajbmeb-2472	11	69	in	in	ADP
ajbmeb-2472	11	70	all	all	DET
ajbmeb-2472	11	71	regions	region	NOUN
ajbmeb-2472	11	72	,	,	PUNCT
ajbmeb-2472	11	73	optimizing	optimize	VERB
ajbmeb-2472	11	74	the	the	DET
ajbmeb-2472	11	75	existing	exist	VERB
ajbmeb-2472	11	76	network	network	NOUN
ajbmeb-2472	11	77	of	of	ADP
ajbmeb-2472	11	78	branches	branch	NOUN
ajbmeb-2472	11	79	,	,	PUNCT
ajbmeb-2472	11	80	as	as	ADV
ajbmeb-2472	11	81	well	well	ADV
ajbmeb-2472	11	82	as	as	ADP
ajbmeb-2472	11	83	providing	provide	VERB
ajbmeb-2472	11	84	“	"	PUNCT
ajbmeb-2472	11	85	mobile	mobile	ADJ
ajbmeb-2472	11	86	banking	banking	NOUN
ajbmeb-2472	11	87	”	"	PUNCT
ajbmeb-2472	11	88	services	service	NOUN
ajbmeb-2472	11	89	at	at	ADP
ajbmeb-2472	11	90	the	the	DET
ajbmeb-2472	11	91	expense	expense	NOUN
ajbmeb-2472	11	92	of	of	ADP
ajbmeb-2472	11	93	wide	wide	ADJ
ajbmeb-2472	11	94	implementation1	implementation1	PROPN
ajbmeb-2472	11	95	,	,	PUNCT
ajbmeb-2472	11	96	it	it	PRON
ajbmeb-2472	11	97	will	will	AUX
ajbmeb-2472	11	98	be	be	AUX
ajbmeb-2472	11	99	possible	possible	ADJ
ajbmeb-2472	11	100	to	to	PART
ajbmeb-2472	11	101	meet	meet	VERB
ajbmeb-2472	11	102	the	the	DET
ajbmeb-2472	11	103	needs	need	NOUN
ajbmeb-2472	11	104	for	for	ADP
ajbmeb-2472	11	105	banking	banking	NOUN
ajbmeb-2472	11	106	services	service	NOUN
ajbmeb-2472	11	107	in	in	ADP
ajbmeb-2472	11	108	the	the	DET
ajbmeb-2472	11	109	regions	region	NOUN
ajbmeb-2472	11	110	by	by	ADP
ajbmeb-2472	11	111	creating	create	VERB
ajbmeb-2472	11	112	branch	branch	NOUN
ajbmeb-2472	11	113	networks	network	NOUN
ajbmeb-2472	11	114	of	of	ADP
ajbmeb-2472	11	115	banks	bank	NOUN
ajbmeb-2472	11	116	.	.	PUNCT
ajbmeb-2472	12	1	at	at	ADP
ajbmeb-2472	12	2	the	the	DET
ajbmeb-2472	12	3	same	same	ADJ
ajbmeb-2472	12	4	time	time	NOUN
ajbmeb-2472	12	5	,	,	PUNCT
ajbmeb-2472	12	6	the	the	DET
ajbmeb-2472	12	7	expansion	expansion	NOUN
ajbmeb-2472	12	8	of	of	ADP
ajbmeb-2472	12	9	the	the	DET
ajbmeb-2472	12	10	branch	branch	NOUN
ajbmeb-2472	12	11	network	network	NOUN
ajbmeb-2472	12	12	in	in	ADP
ajbmeb-2472	12	13	banks	bank	NOUN
ajbmeb-2472	12	14	requires	require	VERB
ajbmeb-2472	12	15	solving	solve	VERB
ajbmeb-2472	12	16	an	an	DET
ajbmeb-2472	12	17	urgent	urgent	ADJ
ajbmeb-2472	12	18	issue	issue	NOUN
ajbmeb-2472	12	19	,	,	PUNCT
ajbmeb-2472	12	20	such	such	ADJ
ajbmeb-2472	12	21	as	as	ADP
ajbmeb-2472	12	22	assessing	assess	VERB
ajbmeb-2472	12	23	how	how	SCONJ
ajbmeb-2472	12	24	efficiently	efficiently	ADV
ajbmeb-2472	12	25	their	their	PRON
ajbmeb-2472	12	26	operations	operation	NOUN
ajbmeb-2472	12	27	will	will	AUX
ajbmeb-2472	12	28	work	work	VERB
ajbmeb-2472	12	29	in	in	ADP
ajbmeb-2472	12	30	the	the	DET
ajbmeb-2472	12	31	future	future	NOUN
ajbmeb-2472	12	32	.	.	PUNCT
ajbmeb-2472	13	1	in	in	ADP
ajbmeb-2472	13	2	addition	addition	NOUN
ajbmeb-2472	13	3	,	,	PUNCT
ajbmeb-2472	13	4	according	accord	VERB
ajbmeb-2472	13	5	to	to	ADP
ajbmeb-2472	13	6	the	the	DET
ajbmeb-2472	13	7	decree	decree	NOUN
ajbmeb-2472	13	8	,	,	PUNCT
ajbmeb-2472	13	9	tasks	task	NOUN
ajbmeb-2472	13	10	such	such	ADJ
ajbmeb-2472	13	11	as	as	ADP
ajbmeb-2472	13	12	“	"	PUNCT
ajbmeb-2472	13	13	transition	transition	NOUN
ajbmeb-2472	13	14	to	to	ADP
ajbmeb-2472	13	15	modern	modern	ADJ
ajbmeb-2472	13	16	systems	system	NOUN
ajbmeb-2472	13	17	of	of	ADP
ajbmeb-2472	13	18	remuneration	remuneration	NOUN
ajbmeb-2472	13	19	based	base	VERB
ajbmeb-2472	13	20	on	on	ADP
ajbmeb-2472	13	21	the	the	DET
ajbmeb-2472	13	22	evaluation	evaluation	NOUN
ajbmeb-2472	13	23	of	of	ADP
ajbmeb-2472	13	24	the	the	DET
ajbmeb-2472	13	25	performance	performance	NOUN
ajbmeb-2472	13	26	of	of	ADP
ajbmeb-2472	13	27	each	each	DET
ajbmeb-2472	13	28	employee	employee	NOUN
ajbmeb-2472	13	29	(	(	PUNCT
ajbmeb-2472	13	30	kpi	kpi	PROPN
ajbmeb-2472	13	31	,	,	PUNCT
ajbmeb-2472	13	32	bonus	bonus	NOUN
ajbmeb-2472	13	33	)	)	PUNCT
ajbmeb-2472	13	34	”	"	PUNCT
ajbmeb-2472	13	35	are	be	AUX
ajbmeb-2472	13	36	established	establish	VERB
ajbmeb-2472	13	37	,	,	PUNCT
ajbmeb-2472	13	38	and	and	CCONJ
ajbmeb-2472	13	39	the	the	DET
ajbmeb-2472	13	40	1	1	NUM
ajbmeb-2472	13	41	decree	decree	NOUN
ajbmeb-2472	13	42	of	of	ADP
ajbmeb-2472	13	43	the	the	DET
ajbmeb-2472	13	44	president	president	NOUN
ajbmeb-2472	13	45	of	of	ADP
ajbmeb-2472	13	46	the	the	DET
ajbmeb-2472	13	47	republic	republic	NOUN
ajbmeb-2472	13	48	of	of	ADP
ajbmeb-2472	13	49	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	13	50	dated	date	VERB
ajbmeb-2472	13	51	may	may	PROPN
ajbmeb-2472	13	52	12	12	NUM
ajbmeb-2472	13	53	,	,	PUNCT
ajbmeb-2472	13	54	2020	2020	NUM
ajbmeb-2472	13	55	no	no	NOUN
ajbmeb-2472	13	56	.	.	PUNCT
ajbmeb-2472	13	57	dp-5992	dp-5992	PROPN
ajbmeb-2472	13	58	“	"	PUNCT
ajbmeb-2472	13	59	on	on	ADP
ajbmeb-2472	13	60	the	the	DET
ajbmeb-2472	13	61	strategy	strategy	NOUN
ajbmeb-2472	13	62	of	of	ADP
ajbmeb-2472	13	63	reforming	reform	VERB
ajbmeb-2472	13	64	the	the	DET
ajbmeb-2472	13	65	banking	banking	NOUN
ajbmeb-2472	13	66	system	system	NOUN
ajbmeb-2472	13	67	of	of	ADP
ajbmeb-2472	13	68	the	the	DET
ajbmeb-2472	13	69	republic	republic	NOUN
ajbmeb-2472	13	70	of	of	ADP
ajbmeb-2472	13	71	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	13	72	for	for	ADP
ajbmeb-2472	13	73	2020	2020	NUM
ajbmeb-2472	13	74	-	-	SYM
ajbmeb-2472	13	75	2025	2025	NUM
ajbmeb-2472	13	76	”	"	PUNCT
ajbmeb-2472	13	77	.	.	PUNCT
ajbmeb-2472	14	1	https://lex.uz/docs/4811025	https://lex.uz/docs/4811025	NOUN
ajbmeb-2472	14	2	.	.	PUNCT
ajbmeb-2472	14	3	american	american	PROPN
ajbmeb-2472	14	4	journal	journal	PROPN
ajbmeb-2472	14	5	of	of	ADP
ajbmeb-2472	14	6	business	business	NOUN
ajbmeb-2472	14	7	management	management	NOUN
ajbmeb-2472	14	8	,	,	PUNCT
ajbmeb-2472	14	9	economics	economic	NOUN
ajbmeb-2472	14	10	and	and	CCONJ
ajbmeb-2472	14	11	banking	banking	NOUN
ajbmeb-2472	14	12	volume	volume	NOUN
ajbmeb-2472	14	13	30	30	NUM
ajbmeb-2472	14	14	november	november	PROPN
ajbmeb-2472	14	15	2024	2024	NUM
ajbmeb-2472	14	16	p	p	NOUN
ajbmeb-2472	14	17	a	a	DET
ajbmeb-2472	14	18	g	g	NOUN
ajbmeb-2472	14	19	e	e	NOUN
ajbmeb-2472	14	20	|	|	ADV
ajbmeb-2472	14	21	43	43	NUM
ajbmeb-2472	14	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2472	14	23	performance	performance	NOUN
ajbmeb-2472	14	24	evaluation	evaluation	NOUN
ajbmeb-2472	14	25	of	of	ADP
ajbmeb-2472	14	26	each	each	DET
ajbmeb-2472	14	27	employee	employee	NOUN
ajbmeb-2472	14	28	operating	operate	VERB
ajbmeb-2472	14	29	in	in	ADP
ajbmeb-2472	14	30	the	the	DET
ajbmeb-2472	14	31	branches	branch	NOUN
ajbmeb-2472	14	32	is	be	AUX
ajbmeb-2472	14	33	required	require	VERB
ajbmeb-2472	14	34	.	.	PUNCT
ajbmeb-2472	15	1	this	this	PRON
ajbmeb-2472	15	2	creates	create	VERB
ajbmeb-2472	15	3	the	the	DET
ajbmeb-2472	15	4	need	need	NOUN
ajbmeb-2472	15	5	to	to	PART
ajbmeb-2472	15	6	create	create	VERB
ajbmeb-2472	15	7	and	and	CCONJ
ajbmeb-2472	15	8	implement	implement	VERB
ajbmeb-2472	15	9	rating	rating	NOUN
ajbmeb-2472	15	10	systems	system	NOUN
ajbmeb-2472	15	11	for	for	ADP
ajbmeb-2472	15	12	evaluating	evaluate	VERB
ajbmeb-2472	15	13	the	the	DET
ajbmeb-2472	15	14	activities	activity	NOUN
ajbmeb-2472	15	15	of	of	ADP
ajbmeb-2472	15	16	bank	bank	NOUN
ajbmeb-2472	15	17	branches	branch	NOUN
ajbmeb-2472	15	18	.	.	PUNCT
ajbmeb-2472	16	1	as	as	ADP
ajbmeb-2472	16	2	a	a	DET
ajbmeb-2472	16	3	rule	rule	NOUN
ajbmeb-2472	16	4	,	,	PUNCT
ajbmeb-2472	16	5	the	the	DET
ajbmeb-2472	16	6	rating	rating	NOUN
ajbmeb-2472	16	7	assessment	assessment	NOUN
ajbmeb-2472	16	8	of	of	ADP
ajbmeb-2472	16	9	the	the	DET
ajbmeb-2472	16	10	bank	bank	NOUN
ajbmeb-2472	16	11	’s	’s	PART
ajbmeb-2472	16	12	activities	activity	NOUN
ajbmeb-2472	16	13	can	can	AUX
ajbmeb-2472	16	14	be	be	AUX
ajbmeb-2472	16	15	carried	carry	VERB
ajbmeb-2472	16	16	out	out	ADP
ajbmeb-2472	16	17	by	by	ADP
ajbmeb-2472	16	18	specialized	specialized	ADJ
ajbmeb-2472	16	19	rating	rating	NOUN
ajbmeb-2472	16	20	agencies	agency	NOUN
ajbmeb-2472	16	21	or	or	CCONJ
ajbmeb-2472	16	22	consulting	consult	VERB
ajbmeb-2472	16	23	companies	company	NOUN
ajbmeb-2472	16	24	.	.	PUNCT
ajbmeb-2472	17	1	banks	bank	NOUN
ajbmeb-2472	17	2	are	be	AUX
ajbmeb-2472	17	3	rated	rate	VERB
ajbmeb-2472	17	4	by	by	ADP
ajbmeb-2472	17	5	major	major	ADJ
ajbmeb-2472	17	6	international	international	ADJ
ajbmeb-2472	17	7	rating	rating	NOUN
ajbmeb-2472	17	8	companies	company	NOUN
ajbmeb-2472	17	9	such	such	ADJ
ajbmeb-2472	17	10	as	as	ADP
ajbmeb-2472	17	11	standard	standard	PROPN
ajbmeb-2472	17	12	&	&	CCONJ
ajbmeb-2472	17	13	poor	poor	PROPN
ajbmeb-2472	17	14	’s	’s	ADV
ajbmeb-2472	17	15	,	,	PUNCT
ajbmeb-2472	17	16	fitch	fitch	NOUN
ajbmeb-2472	17	17	ratings	rating	NOUN
ajbmeb-2472	17	18	,	,	PUNCT
ajbmeb-2472	17	19	and	and	CCONJ
ajbmeb-2472	17	20	moody	moody	PROPN
ajbmeb-2472	17	21	’s	’s	PART
ajbmeb-2472	17	22	.	.	PUNCT
ajbmeb-2472	18	1	national	national	ADJ
ajbmeb-2472	18	2	rating	rating	NOUN
ajbmeb-2472	18	3	companies	company	NOUN
ajbmeb-2472	18	4	can	can	AUX
ajbmeb-2472	18	5	also	also	ADV
ajbmeb-2472	18	6	do	do	VERB
ajbmeb-2472	18	7	the	the	DET
ajbmeb-2472	18	8	rating	rating	NOUN
ajbmeb-2472	18	9	,	,	PUNCT
ajbmeb-2472	18	10	for	for	ADP
ajbmeb-2472	18	11	example	example	NOUN
ajbmeb-2472	18	12	,	,	PUNCT
ajbmeb-2472	18	13	the	the	DET
ajbmeb-2472	18	14	rating	rating	NOUN
ajbmeb-2472	18	15	company	company	NOUN
ajbmeb-2472	18	16	“	"	PUNCT
ajbmeb-2472	18	17	ahbor	ahbor	NOUN
ajbmeb-2472	18	18	-	-	PUNCT
ajbmeb-2472	18	19	reyting	reyte	VERB
ajbmeb-2472	18	20	”	"	PUNCT
ajbmeb-2472	18	21	in	in	ADP
ajbmeb-2472	18	22	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	18	23	,	,	PUNCT
ajbmeb-2472	18	24	and	and	CCONJ
ajbmeb-2472	18	25	the	the	DET
ajbmeb-2472	18	26	company	company	NOUN
ajbmeb-2472	18	27	“	"	PUNCT
ajbmeb-2472	18	28	expert	expert	NOUN
ajbmeb-2472	18	29	ra	ra	NOUN
ajbmeb-2472	18	30	”	"	PUNCT
ajbmeb-2472	18	31	in	in	ADP
ajbmeb-2472	18	32	russia	russia	PROPN
ajbmeb-2472	18	33	publish	publish	VERB
ajbmeb-2472	18	34	their	their	PRON
ajbmeb-2472	18	35	ratings	rating	NOUN
ajbmeb-2472	18	36	.	.	PUNCT
ajbmeb-2472	19	1	sometimes	sometimes	ADV
ajbmeb-2472	19	2	such	such	ADJ
ajbmeb-2472	19	3	studies	study	NOUN
ajbmeb-2472	19	4	are	be	AUX
ajbmeb-2472	19	5	carried	carry	VERB
ajbmeb-2472	19	6	out	out	ADP
ajbmeb-2472	19	7	by	by	ADP
ajbmeb-2472	19	8	news	news	NOUN
ajbmeb-2472	19	9	agencies	agency	NOUN
ajbmeb-2472	19	10	,	,	PUNCT
ajbmeb-2472	19	11	scientific	scientific	ADJ
ajbmeb-2472	19	12	research	research	NOUN
ajbmeb-2472	19	13	centers	center	NOUN
ajbmeb-2472	19	14	,	,	PUNCT
ajbmeb-2472	19	15	printed	print	VERB
ajbmeb-2472	19	16	publications	publication	NOUN
ajbmeb-2472	19	17	,	,	PUNCT
ajbmeb-2472	19	18	for	for	ADP
ajbmeb-2472	19	19	example	example	NOUN
ajbmeb-2472	19	20	,	,	PUNCT
ajbmeb-2472	19	21	“	"	PUNCT
ajbmeb-2472	19	22	expert	expert	NOUN
ajbmeb-2472	19	23	”	"	PUNCT
ajbmeb-2472	19	24	,	,	PUNCT
ajbmeb-2472	19	25	“	"	PUNCT
ajbmeb-2472	19	26	money	money	NOUN
ajbmeb-2472	19	27	”	"	PUNCT
ajbmeb-2472	19	28	magazines	magazine	NOUN
ajbmeb-2472	19	29	or	or	CCONJ
ajbmeb-2472	19	30	the	the	DET
ajbmeb-2472	19	31	center	center	NOUN
ajbmeb-2472	19	32	for	for	ADP
ajbmeb-2472	19	33	economic	economic	ADJ
ajbmeb-2472	19	34	research	research	NOUN
ajbmeb-2472	19	35	and	and	CCONJ
ajbmeb-2472	19	36	reforms	reform	NOUN
ajbmeb-2472	19	37	in	in	ADP
ajbmeb-2472	19	38	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	19	39	,	,	PUNCT
ajbmeb-2472	19	40	rating	rate	VERB
ajbmeb-2472	19	41	the	the	DET
ajbmeb-2472	19	42	activity	activity	NOUN
ajbmeb-2472	19	43	of	of	ADP
ajbmeb-2472	19	44	commercial	commercial	ADJ
ajbmeb-2472	19	45	banks	bank	NOUN
ajbmeb-2472	19	46	.	.	PUNCT
ajbmeb-2472	20	1	however	however	ADV
ajbmeb-2472	20	2	,	,	PUNCT
ajbmeb-2472	20	3	within	within	ADP
ajbmeb-2472	20	4	the	the	DET
ajbmeb-2472	20	5	framework	framework	NOUN
ajbmeb-2472	20	6	of	of	ADP
ajbmeb-2472	20	7	this	this	DET
ajbmeb-2472	20	8	research	research	NOUN
ajbmeb-2472	20	9	,	,	PUNCT
ajbmeb-2472	20	10	the	the	DET
ajbmeb-2472	20	11	issues	issue	NOUN
ajbmeb-2472	20	12	of	of	ADP
ajbmeb-2472	20	13	using	use	VERB
ajbmeb-2472	20	14	the	the	DET
ajbmeb-2472	20	15	rating	rating	NOUN
ajbmeb-2472	20	16	system	system	NOUN
ajbmeb-2472	20	17	in	in	ADP
ajbmeb-2472	20	18	evaluating	evaluate	VERB
ajbmeb-2472	20	19	the	the	DET
ajbmeb-2472	20	20	activities	activity	NOUN
ajbmeb-2472	20	21	of	of	ADP
ajbmeb-2472	20	22	bank	bank	NOUN
ajbmeb-2472	20	23	branches	branch	NOUN
ajbmeb-2472	20	24	were	be	AUX
ajbmeb-2472	20	25	studied	study	VERB
ajbmeb-2472	20	26	and	and	CCONJ
ajbmeb-2472	20	27	a	a	DET
ajbmeb-2472	20	28	separate	separate	ADJ
ajbmeb-2472	20	29	system	system	NOUN
ajbmeb-2472	20	30	of	of	ADP
ajbmeb-2472	20	31	indicators	indicator	NOUN
ajbmeb-2472	20	32	was	be	AUX
ajbmeb-2472	20	33	used	use	VERB
ajbmeb-2472	20	34	as	as	ADP
ajbmeb-2472	20	35	an	an	DET
ajbmeb-2472	20	36	object	object	NOUN
ajbmeb-2472	20	37	.	.	PUNCT
ajbmeb-2472	21	1	analysis	analysis	NOUN
ajbmeb-2472	21	2	of	of	ADP
ajbmeb-2472	21	3	literature	literature	NOUN
ajbmeb-2472	21	4	on	on	ADP
ajbmeb-2472	21	5	the	the	DET
ajbmeb-2472	21	6	topic	topic	NOUN
ajbmeb-2472	21	7	issues	issue	NOUN
ajbmeb-2472	21	8	related	relate	VERB
ajbmeb-2472	21	9	to	to	ADP
ajbmeb-2472	21	10	the	the	DET
ajbmeb-2472	21	11	evaluation	evaluation	NOUN
ajbmeb-2472	21	12	of	of	ADP
ajbmeb-2472	21	13	bank	bank	NOUN
ajbmeb-2472	21	14	branch	branch	NOUN
ajbmeb-2472	21	15	operations	operation	NOUN
ajbmeb-2472	21	16	and	and	CCONJ
ajbmeb-2472	21	17	their	their	PRON
ajbmeb-2472	21	18	effectiveness	effectiveness	NOUN
ajbmeb-2472	21	19	have	have	AUX
ajbmeb-2472	21	20	been	be	AUX
ajbmeb-2472	21	21	studied	study	VERB
ajbmeb-2472	21	22	and	and	CCONJ
ajbmeb-2472	21	23	are	be	AUX
ajbmeb-2472	21	24	being	be	AUX
ajbmeb-2472	21	25	studied	study	VERB
ajbmeb-2472	21	26	by	by	ADP
ajbmeb-2472	21	27	domestic	domestic	ADJ
ajbmeb-2472	21	28	and	and	CCONJ
ajbmeb-2472	21	29	foreign	foreign	ADJ
ajbmeb-2472	21	30	scientists	scientist	NOUN
ajbmeb-2472	21	31	and	and	CCONJ
ajbmeb-2472	21	32	researchers	researcher	NOUN
ajbmeb-2472	21	33	.	.	PUNCT
ajbmeb-2472	22	1	the	the	DET
ajbmeb-2472	22	2	existing	exist	VERB
ajbmeb-2472	22	3	various	various	ADJ
ajbmeb-2472	22	4	theoretical	theoretical	ADJ
ajbmeb-2472	22	5	and	and	CCONJ
ajbmeb-2472	22	6	methodological	methodological	ADJ
ajbmeb-2472	22	7	approaches	approach	NOUN
ajbmeb-2472	22	8	to	to	ADP
ajbmeb-2472	22	9	evaluating	evaluate	VERB
ajbmeb-2472	22	10	the	the	DET
ajbmeb-2472	22	11	effectiveness	effectiveness	NOUN
ajbmeb-2472	22	12	of	of	ADP
ajbmeb-2472	22	13	bank	bank	NOUN
ajbmeb-2472	22	14	branches	branch	NOUN
ajbmeb-2472	22	15	are	be	AUX
ajbmeb-2472	22	16	controversial	controversial	ADJ
ajbmeb-2472	22	17	and	and	CCONJ
ajbmeb-2472	22	18	require	require	VERB
ajbmeb-2472	22	19	scientific	scientific	ADJ
ajbmeb-2472	22	20	research	research	NOUN
ajbmeb-2472	22	21	.	.	PUNCT
ajbmeb-2472	23	1	this	this	PRON
ajbmeb-2472	23	2	confirms	confirm	VERB
ajbmeb-2472	23	3	the	the	DET
ajbmeb-2472	23	4	high	high	ADJ
ajbmeb-2472	23	5	relevance	relevance	NOUN
ajbmeb-2472	23	6	and	and	CCONJ
ajbmeb-2472	23	7	practical	practical	ADJ
ajbmeb-2472	23	8	importance	importance	NOUN
ajbmeb-2472	23	9	of	of	ADP
ajbmeb-2472	23	10	research	research	NOUN
ajbmeb-2472	23	11	and	and	CCONJ
ajbmeb-2472	23	12	development	development	NOUN
ajbmeb-2472	23	13	in	in	ADP
ajbmeb-2472	23	14	this	this	DET
ajbmeb-2472	23	15	direction	direction	NOUN
ajbmeb-2472	23	16	.	.	PUNCT
ajbmeb-2472	24	1	simply	simply	ADV
ajbmeb-2472	24	2	aggregating	aggregate	VERB
ajbmeb-2472	24	3	these	these	DET
ajbmeb-2472	24	4	results	result	NOUN
ajbmeb-2472	24	5	and	and	CCONJ
ajbmeb-2472	24	6	metrics	metric	NOUN
ajbmeb-2472	24	7	can	can	AUX
ajbmeb-2472	24	8	give	give	VERB
ajbmeb-2472	24	9	a	a	DET
ajbmeb-2472	24	10	false	false	ADJ
ajbmeb-2472	24	11	indication	indication	NOUN
ajbmeb-2472	24	12	of	of	ADP
ajbmeb-2472	24	13	performance	performance	NOUN
ajbmeb-2472	24	14	,	,	PUNCT
ajbmeb-2472	24	15	or	or	CCONJ
ajbmeb-2472	24	16	worse	bad	ADJ
ajbmeb-2472	24	17	,	,	PUNCT
ajbmeb-2472	24	18	hide	hide	VERB
ajbmeb-2472	24	19	underperforming	underperform	VERB
ajbmeb-2472	24	20	business	business	NOUN
ajbmeb-2472	24	21	components	component	NOUN
ajbmeb-2472	24	22	within	within	ADP
ajbmeb-2472	24	23	the	the	DET
ajbmeb-2472	24	24	overall	overall	ADJ
ajbmeb-2472	24	25	score	score	NOUN
ajbmeb-2472	24	26	.	.	PUNCT
ajbmeb-2472	25	1	although	although	SCONJ
ajbmeb-2472	25	2	some	some	DET
ajbmeb-2472	25	3	complex	complex	ADJ
ajbmeb-2472	25	4	ratios	ratio	NOUN
ajbmeb-2472	25	5	can	can	AUX
ajbmeb-2472	25	6	be	be	AUX
ajbmeb-2472	25	7	in	in	ADP
ajbmeb-2472	25	8	the	the	DET
ajbmeb-2472	25	9	form	form	NOUN
ajbmeb-2472	25	10	of	of	ADP
ajbmeb-2472	25	11	indicator	indicator	NOUN
ajbmeb-2472	25	12	numbers	number	NOUN
ajbmeb-2472	25	13	,	,	PUNCT
ajbmeb-2472	25	14	determining	determine	VERB
ajbmeb-2472	25	15	the	the	DET
ajbmeb-2472	25	16	weights	weight	NOUN
ajbmeb-2472	25	17	to	to	PART
ajbmeb-2472	25	18	be	be	AUX
ajbmeb-2472	25	19	applied	apply	VERB
ajbmeb-2472	25	20	and	and	CCONJ
ajbmeb-2472	25	21	identifying	identify	VERB
ajbmeb-2472	25	22	underperformance	underperformance	NOUN
ajbmeb-2472	25	23	due	due	ADP
ajbmeb-2472	25	24	to	to	ADP
ajbmeb-2472	25	25	aggregated	aggregate	VERB
ajbmeb-2472	25	26	numbers	number	NOUN
ajbmeb-2472	25	27	are	be	AUX
ajbmeb-2472	25	28	some	some	PRON
ajbmeb-2472	25	29	of	of	ADP
ajbmeb-2472	25	30	the	the	DET
ajbmeb-2472	25	31	difficulties	difficulty	NOUN
ajbmeb-2472	25	32	in	in	ADP
ajbmeb-2472	25	33	using	use	VERB
ajbmeb-2472	25	34	indicators	indicator	NOUN
ajbmeb-2472	25	35	.	.	PUNCT
ajbmeb-2472	26	1	according	accord	VERB
ajbmeb-2472	26	2	to	to	ADP
ajbmeb-2472	26	3	the	the	DET
ajbmeb-2472	26	4	researches	research	NOUN
ajbmeb-2472	26	5	of	of	ADP
ajbmeb-2472	26	6	g.karataeva	g.karataeva	ADJ
ajbmeb-2472	26	7	,	,	PUNCT
ajbmeb-2472	26	8	the	the	DET
ajbmeb-2472	26	9	efficiency	efficiency	NOUN
ajbmeb-2472	26	10	of	of	ADP
ajbmeb-2472	26	11	commercial	commercial	ADJ
ajbmeb-2472	26	12	bank	bank	NOUN
ajbmeb-2472	26	13	activity	activity	NOUN
ajbmeb-2472	26	14	is	be	AUX
ajbmeb-2472	26	15	an	an	DET
ajbmeb-2472	26	16	economic	economic	ADJ
ajbmeb-2472	26	17	category	category	NOUN
ajbmeb-2472	26	18	describing	describe	VERB
ajbmeb-2472	26	19	the	the	DET
ajbmeb-2472	26	20	financial	financial	ADJ
ajbmeb-2472	26	21	result	result	NOUN
ajbmeb-2472	26	22	achieved	achieve	VERB
ajbmeb-2472	26	23	by	by	ADP
ajbmeb-2472	26	24	the	the	DET
ajbmeb-2472	26	25	bank	bank	NOUN
ajbmeb-2472	26	26	in	in	ADP
ajbmeb-2472	26	27	the	the	DET
ajbmeb-2472	26	28	course	course	NOUN
ajbmeb-2472	26	29	of	of	ADP
ajbmeb-2472	26	30	its	its	PRON
ajbmeb-2472	26	31	activity	activity	NOUN
ajbmeb-2472	26	32	,	,	PUNCT
ajbmeb-2472	26	33	as	as	ADV
ajbmeb-2472	26	34	well	well	ADV
ajbmeb-2472	26	35	as	as	ADP
ajbmeb-2472	26	36	a	a	DET
ajbmeb-2472	26	37	pre	pre	ADJ
ajbmeb-2472	26	38	-	-	ADJ
ajbmeb-2472	26	39	determined	determined	ADJ
ajbmeb-2472	26	40	strategic	strategic	ADJ
ajbmeb-2472	26	41	goal	goal	NOUN
ajbmeb-2472	26	42	.	.	PUNCT
ajbmeb-2472	27	1	it	it	PRON
ajbmeb-2472	27	2	shows	show	VERB
ajbmeb-2472	27	3	the	the	DET
ajbmeb-2472	27	4	bank	bank	NOUN
ajbmeb-2472	27	5	’s	’s	PART
ajbmeb-2472	27	6	competitiveness	competitiveness	NOUN
ajbmeb-2472	27	7	and	and	CCONJ
ajbmeb-2472	27	8	sustainable	sustainable	ADJ
ajbmeb-2472	27	9	development2	development2	NOUN
ajbmeb-2472	27	10	.	.	PUNCT
ajbmeb-2472	28	1	as	as	ADP
ajbmeb-2472	28	2	a	a	DET
ajbmeb-2472	28	3	result	result	NOUN
ajbmeb-2472	28	4	of	of	ADP
ajbmeb-2472	28	5	the	the	DET
ajbmeb-2472	28	6	study	study	NOUN
ajbmeb-2472	28	7	,	,	PUNCT
ajbmeb-2472	28	8	an	an	DET
ajbmeb-2472	28	9	integrated	integrate	VERB
ajbmeb-2472	28	10	system	system	NOUN
ajbmeb-2472	28	11	of	of	ADP
ajbmeb-2472	28	12	indicators	indicator	NOUN
ajbmeb-2472	28	13	was	be	AUX
ajbmeb-2472	28	14	proposed	propose	VERB
ajbmeb-2472	28	15	,	,	PUNCT
ajbmeb-2472	28	16	and	and	CCONJ
ajbmeb-2472	28	17	as	as	ADP
ajbmeb-2472	28	18	a	a	DET
ajbmeb-2472	28	19	result	result	NOUN
ajbmeb-2472	28	20	,	,	PUNCT
ajbmeb-2472	28	21	branch	branch	NOUN
ajbmeb-2472	28	22	activities	activity	NOUN
ajbmeb-2472	28	23	were	be	AUX
ajbmeb-2472	28	24	evaluated	evaluate	VERB
ajbmeb-2472	28	25	.	.	PUNCT
ajbmeb-2472	29	1	according	accord	VERB
ajbmeb-2472	29	2	to	to	ADP
ajbmeb-2472	29	3	the	the	DET
ajbmeb-2472	29	4	researches	research	NOUN
ajbmeb-2472	29	5	of	of	ADP
ajbmeb-2472	29	6	o.	o.	PROPN
ajbmeb-2472	29	7	vyskachkina	vyskachkina	PROPN
ajbmeb-2472	29	8	and	and	CCONJ
ajbmeb-2472	29	9	others	other	NOUN
ajbmeb-2472	29	10	,	,	PUNCT
ajbmeb-2472	29	11	the	the	DET
ajbmeb-2472	29	12	modern	modern	ADJ
ajbmeb-2472	29	13	theory	theory	NOUN
ajbmeb-2472	29	14	of	of	ADP
ajbmeb-2472	29	15	financial	financial	ADJ
ajbmeb-2472	29	16	analysis	analysis	NOUN
ajbmeb-2472	29	17	developed	develop	VERB
ajbmeb-2472	29	18	a	a	DET
ajbmeb-2472	29	19	large	large	ADJ
ajbmeb-2472	29	20	number	number	NOUN
ajbmeb-2472	29	21	of	of	ADP
ajbmeb-2472	29	22	coefficients	coefficient	NOUN
ajbmeb-2472	29	23	used	use	VERB
ajbmeb-2472	29	24	in	in	ADP
ajbmeb-2472	29	25	the	the	DET
ajbmeb-2472	29	26	evaluation	evaluation	NOUN
ajbmeb-2472	29	27	of	of	ADP
ajbmeb-2472	29	28	the	the	DET
ajbmeb-2472	29	29	financial	financial	ADJ
ajbmeb-2472	29	30	and	and	CCONJ
ajbmeb-2472	29	31	operational	operational	ADJ
ajbmeb-2472	29	32	activity	activity	NOUN
ajbmeb-2472	29	33	of	of	ADP
ajbmeb-2472	29	34	the	the	DET
ajbmeb-2472	29	35	bank	bank	NOUN
ajbmeb-2472	29	36	.	.	PUNCT
ajbmeb-2472	30	1	however	however	ADV
ajbmeb-2472	30	2	,	,	PUNCT
ajbmeb-2472	30	3	it	it	PRON
ajbmeb-2472	30	4	should	should	AUX
ajbmeb-2472	30	5	be	be	AUX
ajbmeb-2472	30	6	noted	note	VERB
ajbmeb-2472	30	7	that	that	SCONJ
ajbmeb-2472	30	8	a	a	DET
ajbmeb-2472	30	9	significant	significant	ADJ
ajbmeb-2472	30	10	part	part	NOUN
ajbmeb-2472	30	11	of	of	ADP
ajbmeb-2472	30	12	these	these	DET
ajbmeb-2472	30	13	indicators	indicator	NOUN
ajbmeb-2472	30	14	can	can	AUX
ajbmeb-2472	30	15	not	not	PART
ajbmeb-2472	30	16	be	be	AUX
ajbmeb-2472	30	17	used	use	VERB
ajbmeb-2472	30	18	to	to	PART
ajbmeb-2472	30	19	determine	determine	VERB
ajbmeb-2472	30	20	the	the	DET
ajbmeb-2472	30	21	efficiency	efficiency	NOUN
ajbmeb-2472	30	22	of	of	ADP
ajbmeb-2472	30	23	the	the	DET
ajbmeb-2472	30	24	bank	bank	NOUN
ajbmeb-2472	30	25	branch	branch	NOUN
ajbmeb-2472	30	26	.	.	PUNCT
ajbmeb-2472	31	1	the	the	DET
ajbmeb-2472	31	2	reason	reason	NOUN
ajbmeb-2472	31	3	for	for	ADP
ajbmeb-2472	31	4	this	this	PRON
ajbmeb-2472	31	5	is	be	AUX
ajbmeb-2472	31	6	the	the	DET
ajbmeb-2472	31	7	existence	existence	NOUN
ajbmeb-2472	31	8	of	of	ADP
ajbmeb-2472	31	9	accounting	accounting	NOUN
ajbmeb-2472	31	10	and	and	CCONJ
ajbmeb-2472	31	11	analytical	analytical	ADJ
ajbmeb-2472	31	12	limitations	limitation	NOUN
ajbmeb-2472	31	13	.	.	PUNCT
ajbmeb-2472	32	1	as	as	ADP
ajbmeb-2472	32	2	a	a	DET
ajbmeb-2472	32	3	result	result	NOUN
ajbmeb-2472	32	4	,	,	PUNCT
ajbmeb-2472	32	5	he	he	PRON
ajbmeb-2472	32	6	noted	note	VERB
ajbmeb-2472	32	7	that	that	SCONJ
ajbmeb-2472	32	8	it	it	PRON
ajbmeb-2472	32	9	is	be	AUX
ajbmeb-2472	32	10	not	not	PART
ajbmeb-2472	32	11	possible	possible	ADJ
ajbmeb-2472	32	12	to	to	PART
ajbmeb-2472	32	13	perform	perform	VERB
ajbmeb-2472	32	14	calculations	calculation	NOUN
ajbmeb-2472	32	15	as	as	ADP
ajbmeb-2472	32	16	separate	separate	ADJ
ajbmeb-2472	32	17	indicators	indicator	NOUN
ajbmeb-2472	32	18	for	for	ADP
ajbmeb-2472	32	19	the	the	DET
ajbmeb-2472	32	20	branch3	branch3	PROPN
ajbmeb-2472	32	21	.	.	PUNCT
ajbmeb-2472	33	1	research	research	NOUN
ajbmeb-2472	33	2	methodology	methodology	NOUN
ajbmeb-2472	33	3	in	in	ADP
ajbmeb-2472	33	4	this	this	DET
ajbmeb-2472	33	5	article	article	NOUN
ajbmeb-2472	33	6	,	,	PUNCT
ajbmeb-2472	33	7	data	datum	NOUN
ajbmeb-2472	33	8	grouping	grouping	NOUN
ajbmeb-2472	33	9	,	,	PUNCT
ajbmeb-2472	33	10	comparative	comparative	ADJ
ajbmeb-2472	33	11	and	and	CCONJ
ajbmeb-2472	33	12	structural	structural	ADJ
ajbmeb-2472	33	13	analysis	analysis	NOUN
ajbmeb-2472	33	14	of	of	ADP
ajbmeb-2472	33	15	indicators	indicator	NOUN
ajbmeb-2472	33	16	,	,	PUNCT
ajbmeb-2472	33	17	induction	induction	NOUN
ajbmeb-2472	33	18	and	and	CCONJ
ajbmeb-2472	33	19	deduction	deduction	NOUN
ajbmeb-2472	33	20	,	,	PUNCT
ajbmeb-2472	33	21	analysis	analysis	NOUN
ajbmeb-2472	33	22	and	and	CCONJ
ajbmeb-2472	33	23	synthesis	synthesis	NOUN
ajbmeb-2472	33	24	and	and	CCONJ
ajbmeb-2472	33	25	other	other	ADJ
ajbmeb-2472	33	26	scientific	scientific	ADJ
ajbmeb-2472	33	27	analysis	analysis	NOUN
ajbmeb-2472	33	28	methods	method	NOUN
ajbmeb-2472	33	29	are	be	AUX
ajbmeb-2472	33	30	widely	widely	ADV
ajbmeb-2472	33	31	used	use	VERB
ajbmeb-2472	33	32	.	.	PUNCT
ajbmeb-2472	34	1	also	also	ADV
ajbmeb-2472	34	2	,	,	PUNCT
ajbmeb-2472	34	3	comparative	comparative	ADJ
ajbmeb-2472	34	4	analyzes	analyze	NOUN
ajbmeb-2472	34	5	were	be	AUX
ajbmeb-2472	34	6	carried	carry	VERB
ajbmeb-2472	34	7	out	out	ADP
ajbmeb-2472	34	8	on	on	ADP
ajbmeb-2472	34	9	the	the	DET
ajbmeb-2472	34	10	basis	basis	NOUN
ajbmeb-2472	34	11	of	of	ADP
ajbmeb-2472	34	12	statistical	statistical	ADJ
ajbmeb-2472	34	13	and	and	CCONJ
ajbmeb-2472	34	14	practical	practical	ADJ
ajbmeb-2472	34	15	data	datum	NOUN
ajbmeb-2472	34	16	on	on	ADP
ajbmeb-2472	34	17	the	the	DET
ajbmeb-2472	34	18	activities	activity	NOUN
ajbmeb-2472	34	19	of	of	ADP
ajbmeb-2472	34	20	2	2	NUM
ajbmeb-2472	34	21	karataeva	karataeva	PROPN
ajbmeb-2472	34	22	g.e	g.e	PROPN
ajbmeb-2472	34	23	.	.	PROPN
ajbmeb-2472	34	24	,	,	PUNCT
ajbmeb-2472	34	25	shikhveledova	shikhveledova	VERB
ajbmeb-2472	34	26	d.k	d.k	PROPN
ajbmeb-2472	34	27	.	.	PROPN
ajbmeb-2472	34	28	efficiency	efficiency	NOUN
ajbmeb-2472	34	29	of	of	ADP
ajbmeb-2472	34	30	commercial	commercial	ADJ
ajbmeb-2472	34	31	banks	bank	NOUN
ajbmeb-2472	34	32	:	:	PUNCT
ajbmeb-2472	34	33	concept	concept	NOUN
ajbmeb-2472	34	34	and	and	CCONJ
ajbmeb-2472	34	35	assessment	assessment	NOUN
ajbmeb-2472	34	36	methods	method	NOUN
ajbmeb-2472	34	37	//	//	NUM
ajbmeb-2472	34	38	bulletin	bulletin	NOUN
ajbmeb-2472	34	39	of	of	ADP
ajbmeb-2472	34	40	surgut	surgut	PROPN
ajbmeb-2472	34	41	state	state	PROPN
ajbmeb-2472	34	42	university	university	PROPN
ajbmeb-2472	34	43	.	.	PUNCT
ajbmeb-2472	35	1	2020	2020	NUM
ajbmeb-2472	35	2	.	.	PUNCT
ajbmeb-2472	36	1	no	no	INTJ
ajbmeb-2472	36	2	.	.	NOUN
ajbmeb-2472	37	1	3	3	X
ajbmeb-2472	37	2	.	.	PUNCT
ajbmeb-2472	38	1	p.	p.	NOUN
ajbmeb-2472	38	2	6–16	6–16	PROPN
ajbmeb-2472	38	3	.	.	PUNCT
ajbmeb-2472	39	1	3	3	NUM
ajbmeb-2472	39	2	vyskachkina	vyskachkina	PROPN
ajbmeb-2472	39	3	o.a	o.a	PROPN
ajbmeb-2472	39	4	.	.	PROPN
ajbmeb-2472	39	5	,	,	PUNCT
ajbmeb-2472	39	6	dubova	dubova	VERB
ajbmeb-2472	39	7	s.e	s.e	PROPN
ajbmeb-2472	39	8	.	.	PROPN
ajbmeb-2472	39	9	methodology	methodology	NOUN
ajbmeb-2472	39	10	for	for	ADP
ajbmeb-2472	39	11	assessing	assess	VERB
ajbmeb-2472	39	12	the	the	DET
ajbmeb-2472	39	13	effectiveness	effectiveness	NOUN
ajbmeb-2472	39	14	of	of	ADP
ajbmeb-2472	39	15	regional	regional	ADJ
ajbmeb-2472	39	16	bank	bank	NOUN
ajbmeb-2472	39	17	activities	activity	NOUN
ajbmeb-2472	39	18	//	//	PUNCT
ajbmeb-2472	39	19	news	news	NOUN
ajbmeb-2472	39	20	of	of	ADP
ajbmeb-2472	39	21	higher	high	ADJ
ajbmeb-2472	39	22	educational	educational	ADJ
ajbmeb-2472	39	23	institutions	institution	NOUN
ajbmeb-2472	39	24	.	.	PUNCT
ajbmeb-2472	40	1	series	series	NOUN
ajbmeb-2472	40	2	:	:	PUNCT
ajbmeb-2472	40	3	economics	economic	NOUN
ajbmeb-2472	40	4	,	,	PUNCT
ajbmeb-2472	40	5	finance	finance	NOUN
ajbmeb-2472	40	6	and	and	CCONJ
ajbmeb-2472	40	7	production	production	NOUN
ajbmeb-2472	40	8	management	management	NOUN
ajbmeb-2472	40	9	.	.	PUNCT
ajbmeb-2472	41	1	2011	2011	NUM
ajbmeb-2472	41	2	.	.	PUNCT
ajbmeb-2472	42	1	no	no	INTJ
ajbmeb-2472	42	2	.	.	NOUN
ajbmeb-2472	42	3	2	2	NUM
ajbmeb-2472	42	4	(	(	PUNCT
ajbmeb-2472	42	5	8)	8)	NUM
ajbmeb-2472	42	6	.	.	PUNCT
ajbmeb-2472	43	1	p.	p.	NOUN
ajbmeb-2472	43	2	21–27	21–27	NUM
ajbmeb-2472	43	3	.	.	PUNCT
ajbmeb-2472	44	1	american	american	PROPN
ajbmeb-2472	44	2	journal	journal	PROPN
ajbmeb-2472	44	3	of	of	ADP
ajbmeb-2472	44	4	business	business	NOUN
ajbmeb-2472	44	5	management	management	NOUN
ajbmeb-2472	44	6	,	,	PUNCT
ajbmeb-2472	44	7	economics	economic	NOUN
ajbmeb-2472	44	8	and	and	CCONJ
ajbmeb-2472	44	9	banking	banking	NOUN
ajbmeb-2472	44	10	volume	volume	NOUN
ajbmeb-2472	44	11	30	30	NUM
ajbmeb-2472	44	12	november	november	PROPN
ajbmeb-2472	44	13	2024	2024	NUM
ajbmeb-2472	44	14	p	p	NOUN
ajbmeb-2472	44	15	a	a	PRON
ajbmeb-2472	44	16	g	g	NOUN
ajbmeb-2472	44	17	e	e	NOUN
ajbmeb-2472	44	18	|	|	ADV
ajbmeb-2472	44	19	44	44	NUM
ajbmeb-2472	44	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2472	44	21	branches	branch	NOUN
ajbmeb-2472	44	22	of	of	ADP
ajbmeb-2472	44	23	the	the	DET
ajbmeb-2472	44	24	central	central	ADJ
ajbmeb-2472	44	25	bank	bank	NOUN
ajbmeb-2472	44	26	of	of	ADP
ajbmeb-2472	44	27	the	the	DET
ajbmeb-2472	44	28	republic	republic	NOUN
ajbmeb-2472	44	29	of	of	ADP
ajbmeb-2472	44	30	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	44	31	,	,	PUNCT
ajbmeb-2472	44	32	jsc	jsc	PROPN
ajbmeb-2472	44	33	“	"	PUNCT
ajbmeb-2472	44	34	aloqabank	aloqabank	NOUN
ajbmeb-2472	44	35	”	"	PUNCT
ajbmeb-2472	44	36	and	and	CCONJ
ajbmeb-2472	44	37	jscb	jscb	PROPN
ajbmeb-2472	44	38	“	"	PUNCT
ajbmeb-2472	44	39	uzsanoatqurilish	uzsanoatqurilish	PROPN
ajbmeb-2472	44	40	”	"	PUNCT
ajbmeb-2472	44	41	.	.	PUNCT
ajbmeb-2472	45	1	analysis	analysis	NOUN
ajbmeb-2472	45	2	and	and	CCONJ
ajbmeb-2472	45	3	discussion	discussion	NOUN
ajbmeb-2472	45	4	of	of	ADP
ajbmeb-2472	45	5	results	result	NOUN
ajbmeb-2472	45	6	in	in	ADP
ajbmeb-2472	45	7	the	the	DET
ajbmeb-2472	45	8	rating	rating	NOUN
ajbmeb-2472	45	9	system	system	NOUN
ajbmeb-2472	45	10	for	for	ADP
ajbmeb-2472	45	11	evaluating	evaluate	VERB
ajbmeb-2472	45	12	the	the	DET
ajbmeb-2472	45	13	activity	activity	NOUN
ajbmeb-2472	45	14	of	of	ADP
ajbmeb-2472	45	15	bank	bank	NOUN
ajbmeb-2472	45	16	branches	branch	NOUN
ajbmeb-2472	45	17	,	,	PUNCT
ajbmeb-2472	45	18	it	it	PRON
ajbmeb-2472	45	19	is	be	AUX
ajbmeb-2472	45	20	necessary	necessary	ADJ
ajbmeb-2472	45	21	to	to	PART
ajbmeb-2472	45	22	select	select	VERB
ajbmeb-2472	45	23	predetermined	predetermined	ADJ
ajbmeb-2472	45	24	indicators	indicator	NOUN
ajbmeb-2472	45	25	of	of	ADP
ajbmeb-2472	45	26	the	the	DET
ajbmeb-2472	45	27	financial	financial	ADJ
ajbmeb-2472	45	28	results	result	NOUN
ajbmeb-2472	45	29	achieved	achieve	VERB
ajbmeb-2472	45	30	in	in	ADP
ajbmeb-2472	45	31	the	the	DET
ajbmeb-2472	45	32	activity	activity	NOUN
ajbmeb-2472	45	33	of	of	ADP
ajbmeb-2472	45	34	bank	bank	NOUN
ajbmeb-2472	45	35	branches	branch	NOUN
ajbmeb-2472	45	36	.	.	PUNCT
ajbmeb-2472	46	1	when	when	SCONJ
ajbmeb-2472	46	2	evaluating	evaluate	VERB
ajbmeb-2472	46	3	the	the	DET
ajbmeb-2472	46	4	activities	activity	NOUN
ajbmeb-2472	46	5	of	of	ADP
ajbmeb-2472	46	6	bank	bank	NOUN
ajbmeb-2472	46	7	branches	branch	NOUN
ajbmeb-2472	46	8	,	,	PUNCT
ajbmeb-2472	46	9	the	the	DET
ajbmeb-2472	46	10	strategic	strategic	ADJ
ajbmeb-2472	46	11	goal	goal	NOUN
ajbmeb-2472	46	12	of	of	ADP
ajbmeb-2472	46	13	the	the	DET
ajbmeb-2472	46	14	bank	bank	NOUN
ajbmeb-2472	46	15	is	be	AUX
ajbmeb-2472	46	16	primary	primary	ADJ
ajbmeb-2472	46	17	,	,	PUNCT
ajbmeb-2472	46	18	and	and	CCONJ
ajbmeb-2472	46	19	the	the	DET
ajbmeb-2472	46	20	assessment	assessment	NOUN
ajbmeb-2472	46	21	is	be	AUX
ajbmeb-2472	46	22	made	make	VERB
ajbmeb-2472	46	23	based	base	VERB
ajbmeb-2472	46	24	on	on	ADP
ajbmeb-2472	46	25	the	the	DET
ajbmeb-2472	46	26	volume	volume	NOUN
ajbmeb-2472	46	27	of	of	ADP
ajbmeb-2472	46	28	services	service	NOUN
ajbmeb-2472	46	29	provided	provide	VERB
ajbmeb-2472	46	30	by	by	ADP
ajbmeb-2472	46	31	bank	bank	NOUN
ajbmeb-2472	46	32	branches	branch	NOUN
ajbmeb-2472	46	33	.	.	PUNCT
ajbmeb-2472	47	1	at	at	ADP
ajbmeb-2472	47	2	the	the	DET
ajbmeb-2472	47	3	initial	initial	ADJ
ajbmeb-2472	47	4	stage	stage	NOUN
ajbmeb-2472	47	5	,	,	PUNCT
ajbmeb-2472	47	6	a	a	DET
ajbmeb-2472	47	7	set	set	NOUN
ajbmeb-2472	47	8	of	of	ADP
ajbmeb-2472	47	9	indicators	indicator	NOUN
ajbmeb-2472	47	10	covering	cover	VERB
ajbmeb-2472	47	11	all	all	DET
ajbmeb-2472	47	12	areas	area	NOUN
ajbmeb-2472	47	13	of	of	ADP
ajbmeb-2472	47	14	the	the	DET
ajbmeb-2472	47	15	bank	bank	NOUN
ajbmeb-2472	47	16	's	's	PART
ajbmeb-2472	47	17	activity	activity	NOUN
ajbmeb-2472	47	18	will	will	AUX
ajbmeb-2472	47	19	be	be	AUX
ajbmeb-2472	47	20	developed	develop	VERB
ajbmeb-2472	47	21	.	.	PUNCT
ajbmeb-2472	48	1	there	there	PRON
ajbmeb-2472	48	2	can	can	AUX
ajbmeb-2472	48	3	be	be	AUX
ajbmeb-2472	48	4	dozens	dozen	NOUN
ajbmeb-2472	48	5	of	of	ADP
ajbmeb-2472	48	6	indicators	indicator	NOUN
ajbmeb-2472	48	7	that	that	PRON
ajbmeb-2472	48	8	are	be	AUX
ajbmeb-2472	48	9	offered	offer	VERB
ajbmeb-2472	48	10	to	to	PART
ajbmeb-2472	48	11	determine	determine	VERB
ajbmeb-2472	48	12	the	the	DET
ajbmeb-2472	48	13	ranking	ranking	NOUN
ajbmeb-2472	48	14	of	of	ADP
ajbmeb-2472	48	15	affiliates	affiliate	NOUN
ajbmeb-2472	48	16	.	.	PUNCT
ajbmeb-2472	49	1	the	the	DET
ajbmeb-2472	49	2	large	large	ADJ
ajbmeb-2472	49	3	number	number	NOUN
ajbmeb-2472	49	4	of	of	ADP
ajbmeb-2472	49	5	indicators	indicator	NOUN
ajbmeb-2472	49	6	is	be	AUX
ajbmeb-2472	49	7	important	important	ADJ
ajbmeb-2472	49	8	in	in	ADP
ajbmeb-2472	49	9	evaluating	evaluate	VERB
ajbmeb-2472	49	10	the	the	DET
ajbmeb-2472	49	11	activities	activity	NOUN
ajbmeb-2472	49	12	of	of	ADP
ajbmeb-2472	49	13	branches	branch	NOUN
ajbmeb-2472	49	14	and	and	CCONJ
ajbmeb-2472	49	15	drawing	draw	VERB
ajbmeb-2472	49	16	conclusions	conclusion	NOUN
ajbmeb-2472	49	17	.	.	PUNCT
ajbmeb-2472	50	1	however	however	ADV
ajbmeb-2472	50	2	,	,	PUNCT
ajbmeb-2472	50	3	the	the	DET
ajbmeb-2472	50	4	calculation	calculation	NOUN
ajbmeb-2472	50	5	of	of	ADP
ajbmeb-2472	50	6	the	the	DET
ajbmeb-2472	50	7	indicators	indicator	NOUN
ajbmeb-2472	50	8	and	and	CCONJ
ajbmeb-2472	50	9	the	the	DET
ajbmeb-2472	50	10	non	non	NOUN
ajbmeb-2472	50	11	-	-	NOUN
ajbmeb-2472	50	12	availability	availability	NOUN
ajbmeb-2472	50	13	of	of	ADP
ajbmeb-2472	50	14	its	its	PRON
ajbmeb-2472	50	15	information	information	NOUN
ajbmeb-2472	50	16	sources	source	NOUN
ajbmeb-2472	50	17	can	can	AUX
ajbmeb-2472	50	18	create	create	VERB
ajbmeb-2472	50	19	difficulties	difficulty	NOUN
ajbmeb-2472	50	20	.	.	PUNCT
ajbmeb-2472	51	1	table	table	NOUN
ajbmeb-2472	51	2	1	1	NUM
ajbmeb-2472	52	1	the	the	DET
ajbmeb-2472	52	2	main	main	ADJ
ajbmeb-2472	52	3	indicators	indicator	NOUN
ajbmeb-2472	52	4	used	use	VERB
ajbmeb-2472	52	5	to	to	PART
ajbmeb-2472	52	6	rate	rate	VERB
ajbmeb-2472	52	7	the	the	DET
ajbmeb-2472	52	8	activities	activity	NOUN
ajbmeb-2472	52	9	of	of	ADP
ajbmeb-2472	52	10	bank	bank	NOUN
ajbmeb-2472	52	11	branches	branch	NOUN
ajbmeb-2472	52	12	4	4	NUM
ajbmeb-2472	52	13	indicators	indicator	NOUN
ajbmeb-2472	52	14	execution	execution	NOUN
ajbmeb-2472	52	15	weight	weight	NOUN
ajbmeb-2472	52	16	min	min	PROPN
ajbmeb-2472	52	17	max	max	PROPN
ajbmeb-2472	52	18	min	min	PROPN
ajbmeb-2472	52	19	max	max	PROPN
ajbmeb-2472	52	20	on	on	ADP
ajbmeb-2472	52	21	attracting	attract	VERB
ajbmeb-2472	52	22	customers	customer	NOUN
ajbmeb-2472	52	23	80	80	NUM
ajbmeb-2472	52	24	%	%	NOUN
ajbmeb-2472	52	25	100	100	NUM
ajbmeb-2472	52	26	%	%	NOUN
ajbmeb-2472	52	27	0,0	0,0	NUM
ajbmeb-2472	52	28	15,0	15,0	NUM
ajbmeb-2472	52	29	implementation	implementation	NOUN
ajbmeb-2472	52	30	of	of	ADP
ajbmeb-2472	52	31	the	the	DET
ajbmeb-2472	52	32	loan	loan	NOUN
ajbmeb-2472	52	33	portfolio	portfolio	NOUN
ajbmeb-2472	52	34	balance	balance	NOUN
ajbmeb-2472	52	35	plan	plan	NOUN
ajbmeb-2472	52	36	80	80	NUM
ajbmeb-2472	52	37	%	%	NOUN
ajbmeb-2472	52	38	100	100	NUM
ajbmeb-2472	52	39	%	%	NOUN
ajbmeb-2472	52	40	0,0	0,0	NUM
ajbmeb-2472	52	41	20,0	20,0	NOUN
ajbmeb-2472	52	42	the	the	DET
ajbmeb-2472	52	43	share	share	NOUN
ajbmeb-2472	52	44	of	of	ADP
ajbmeb-2472	52	45	unclaimed	unclaimed	ADJ
ajbmeb-2472	52	46	income	income	NOUN
ajbmeb-2472	52	47	account	account	NOUN
ajbmeb-2472	52	48	balances	balance	NOUN
ajbmeb-2472	52	49	in	in	ADP
ajbmeb-2472	52	50	the	the	DET
ajbmeb-2472	52	51	loan	loan	NOUN
ajbmeb-2472	52	52	portfolio	portfolio	NOUN
ajbmeb-2472	52	53	1,5	1,5	NUM
ajbmeb-2472	52	54	%	%	NOUN
ajbmeb-2472	52	55	1,0	1,0	NUM
ajbmeb-2472	52	56	%	%	NOUN
ajbmeb-2472	52	57	0,0	0,0	NUM
ajbmeb-2472	52	58	10,0	10,0	NOUN
ajbmeb-2472	52	59	performance	performance	NOUN
ajbmeb-2472	52	60	of	of	ADP
ajbmeb-2472	52	61	the	the	DET
ajbmeb-2472	52	62	deposit	deposit	NOUN
ajbmeb-2472	52	63	plan	plan	NOUN
ajbmeb-2472	52	64	indicator	indicator	NOUN
ajbmeb-2472	52	65	80	80	NUM
ajbmeb-2472	52	66	%	%	NOUN
ajbmeb-2472	52	67	100	100	NUM
ajbmeb-2472	52	68	%	%	NOUN
ajbmeb-2472	52	69	0,0	0,0	NUM
ajbmeb-2472	52	70	10,0	10,0	NOUN
ajbmeb-2472	52	71	connecting	connect	VERB
ajbmeb-2472	52	72	to	to	ADP
ajbmeb-2472	52	73	the	the	DET
ajbmeb-2472	52	74	bank	bank	NOUN
ajbmeb-2472	52	75	’s	’s	PART
ajbmeb-2472	52	76	mobile	mobile	ADJ
ajbmeb-2472	52	77	application	application	NOUN
ajbmeb-2472	52	78	80	80	NUM
ajbmeb-2472	52	79	%	%	NOUN
ajbmeb-2472	52	80	100	100	NUM
ajbmeb-2472	52	81	%	%	NOUN
ajbmeb-2472	52	82	0,0	0,0	NUM
ajbmeb-2472	52	83	15,0	15,0	NUM
ajbmeb-2472	52	84	the	the	DET
ajbmeb-2472	52	85	number	number	NOUN
ajbmeb-2472	52	86	of	of	ADP
ajbmeb-2472	52	87	loans	loan	NOUN
ajbmeb-2472	52	88	allocated	allocate	VERB
ajbmeb-2472	52	89	to	to	ADP
ajbmeb-2472	52	90	corporate	corporate	ADJ
ajbmeb-2472	52	91	clients	client	NOUN
ajbmeb-2472	52	92	during	during	ADP
ajbmeb-2472	52	93	the	the	DET
ajbmeb-2472	52	94	reporting	reporting	NOUN
ajbmeb-2472	52	95	period	period	NOUN
ajbmeb-2472	52	96	1,0	1,0	NUM
ajbmeb-2472	52	97	3,0	3,0	NUM
ajbmeb-2472	52	98	0,0	0,0	NUM
ajbmeb-2472	52	99	5,0	5,0	NUM
ajbmeb-2472	52	100	share	share	NOUN
ajbmeb-2472	52	101	of	of	ADP
ajbmeb-2472	52	102	problem	problem	NOUN
ajbmeb-2472	52	103	loans	loan	NOUN
ajbmeb-2472	52	104	in	in	ADP
ajbmeb-2472	52	105	loan	loan	NOUN
ajbmeb-2472	52	106	portfolio	portfolio	NOUN
ajbmeb-2472	52	107	2,0	2,0	NUM
ajbmeb-2472	52	108	%	%	NOUN
ajbmeb-2472	52	109	1,5	1,5	NUM
ajbmeb-2472	52	110	%	%	NOUN
ajbmeb-2472	52	111	0,0	0,0	NUM
ajbmeb-2472	52	112	10,0	10,0	PROPN
ajbmeb-2472	52	113	indicator	indicator	NOUN
ajbmeb-2472	52	114	of	of	ADP
ajbmeb-2472	52	115	population	population	NOUN
ajbmeb-2472	52	116	savings	saving	NOUN
ajbmeb-2472	52	117	80	80	NUM
ajbmeb-2472	52	118	%	%	NOUN
ajbmeb-2472	52	119	100	100	NUM
ajbmeb-2472	52	120	%	%	NOUN
ajbmeb-2472	52	121	0,0	0,0	NUM
ajbmeb-2472	52	122	10,0	10,0	NOUN
ajbmeb-2472	52	123	issue	issue	NOUN
ajbmeb-2472	52	124	of	of	ADP
ajbmeb-2472	52	125	bank	bank	NOUN
ajbmeb-2472	52	126	cards	card	NOUN
ajbmeb-2472	52	127	80	80	NUM
ajbmeb-2472	52	128	%	%	NOUN
ajbmeb-2472	52	129	100	100	NUM
ajbmeb-2472	52	130	%	%	NOUN
ajbmeb-2472	52	131	0,0	0,0	NUM
ajbmeb-2472	52	132	5,0	5,0	NUM
ajbmeb-2472	52	133	total	total	ADJ
ajbmeb-2472	52	134	score	score	NOUN
ajbmeb-2472	52	135	80	80	NUM
ajbmeb-2472	52	136	%	%	NOUN
ajbmeb-2472	52	137	100	100	NUM
ajbmeb-2472	52	138	%	%	NOUN
ajbmeb-2472	52	139	0,0	0,0	NUM
ajbmeb-2472	52	140	100,0	100,0	NUM
ajbmeb-2472	52	141	based	base	VERB
ajbmeb-2472	52	142	on	on	ADP
ajbmeb-2472	52	143	the	the	DET
ajbmeb-2472	52	144	data	datum	NOUN
ajbmeb-2472	52	145	in	in	ADP
ajbmeb-2472	52	146	the	the	DET
ajbmeb-2472	52	147	table	table	NOUN
ajbmeb-2472	52	148	above	above	ADV
ajbmeb-2472	52	149	,	,	PUNCT
ajbmeb-2472	52	150	a	a	DET
ajbmeb-2472	52	151	system	system	NOUN
ajbmeb-2472	52	152	of	of	ADP
ajbmeb-2472	52	153	indicators	indicator	NOUN
ajbmeb-2472	52	154	for	for	ADP
ajbmeb-2472	52	155	rating	rating	NOUN
ajbmeb-2472	52	156	evaluation	evaluation	NOUN
ajbmeb-2472	52	157	is	be	AUX
ajbmeb-2472	52	158	proposed	propose	VERB
ajbmeb-2472	52	159	on	on	ADP
ajbmeb-2472	52	160	the	the	DET
ajbmeb-2472	52	161	example	example	NOUN
ajbmeb-2472	52	162	of	of	ADP
ajbmeb-2472	52	163	conditional	conditional	ADJ
ajbmeb-2472	52	164	bank	bank	NOUN
ajbmeb-2472	52	165	indicators	indicator	NOUN
ajbmeb-2472	52	166	.	.	PUNCT
ajbmeb-2472	53	1	in	in	ADP
ajbmeb-2472	53	2	this	this	PRON
ajbmeb-2472	53	3	,	,	PUNCT
ajbmeb-2472	53	4	the	the	DET
ajbmeb-2472	53	5	important	important	ADJ
ajbmeb-2472	53	6	directions	direction	NOUN
ajbmeb-2472	53	7	in	in	ADP
ajbmeb-2472	53	8	the	the	DET
ajbmeb-2472	53	9	activities	activity	NOUN
ajbmeb-2472	53	10	of	of	ADP
ajbmeb-2472	53	11	the	the	DET
ajbmeb-2472	53	12	branches	branch	NOUN
ajbmeb-2472	53	13	were	be	AUX
ajbmeb-2472	53	14	determined	determine	VERB
ajbmeb-2472	53	15	.	.	PUNCT
ajbmeb-2472	54	1	including	include	VERB
ajbmeb-2472	54	2	indicators	indicator	NOUN
ajbmeb-2472	54	3	such	such	ADJ
ajbmeb-2472	54	4	as	as	ADP
ajbmeb-2472	54	5	customer	customer	NOUN
ajbmeb-2472	54	6	attraction	attraction	NOUN
ajbmeb-2472	54	7	,	,	PUNCT
ajbmeb-2472	54	8	credit	credit	NOUN
ajbmeb-2472	54	9	portfolio	portfolio	NOUN
ajbmeb-2472	54	10	balance	balance	NOUN
ajbmeb-2472	54	11	,	,	PUNCT
ajbmeb-2472	54	12	share	share	NOUN
ajbmeb-2472	54	13	of	of	ADP
ajbmeb-2472	54	14	uncollected	uncollected	ADJ
ajbmeb-2472	54	15	income	income	NOUN
ajbmeb-2472	54	16	account	account	NOUN
ajbmeb-2472	54	17	balances	balance	NOUN
ajbmeb-2472	54	18	in	in	ADP
ajbmeb-2472	54	19	the	the	DET
ajbmeb-2472	54	20	credit	credit	NOUN
ajbmeb-2472	54	21	portfolio	portfolio	NOUN
ajbmeb-2472	54	22	,	,	PUNCT
ajbmeb-2472	54	23	deposit	deposit	NOUN
ajbmeb-2472	54	24	attraction	attraction	NOUN
ajbmeb-2472	54	25	,	,	PUNCT
ajbmeb-2472	54	26	connecting	connect	VERB
ajbmeb-2472	54	27	customers	customer	NOUN
ajbmeb-2472	54	28	to	to	ADP
ajbmeb-2472	54	29	the	the	DET
ajbmeb-2472	54	30	bank	bank	NOUN
ajbmeb-2472	54	31	’s	’s	PART
ajbmeb-2472	54	32	mobile	mobile	ADJ
ajbmeb-2472	54	33	application	application	NOUN
ajbmeb-2472	54	34	,	,	PUNCT
ajbmeb-2472	54	35	the	the	DET
ajbmeb-2472	54	36	number	number	NOUN
ajbmeb-2472	54	37	of	of	ADP
ajbmeb-2472	54	38	loans	loan	NOUN
ajbmeb-2472	54	39	granted	grant	VERB
ajbmeb-2472	54	40	to	to	ADP
ajbmeb-2472	54	41	corporate	corporate	ADJ
ajbmeb-2472	54	42	clients	client	NOUN
ajbmeb-2472	54	43	,	,	PUNCT
ajbmeb-2472	54	44	the	the	DET
ajbmeb-2472	54	45	share	share	NOUN
ajbmeb-2472	54	46	of	of	ADP
ajbmeb-2472	54	47	problem	problem	NOUN
ajbmeb-2472	54	48	loans	loan	NOUN
ajbmeb-2472	54	49	in	in	ADP
ajbmeb-2472	54	50	the	the	DET
ajbmeb-2472	54	51	credit	credit	NOUN
ajbmeb-2472	54	52	portfolio	portfolio	NOUN
ajbmeb-2472	54	53	,	,	PUNCT
ajbmeb-2472	54	54	the	the	DET
ajbmeb-2472	54	55	indicator	indicator	NOUN
ajbmeb-2472	54	56	of	of	ADP
ajbmeb-2472	54	57	household	household	NOUN
ajbmeb-2472	54	58	deposits	deposit	NOUN
ajbmeb-2472	54	59	and	and	CCONJ
ajbmeb-2472	54	60	the	the	DET
ajbmeb-2472	54	61	issuance	issuance	NOUN
ajbmeb-2472	54	62	of	of	ADP
ajbmeb-2472	54	63	bank	bank	NOUN
ajbmeb-2472	54	64	cards	card	NOUN
ajbmeb-2472	54	65	is	be	AUX
ajbmeb-2472	54	66	an	an	DET
ajbmeb-2472	54	67	integrated	integrate	VERB
ajbmeb-2472	54	68	system	system	NOUN
ajbmeb-2472	54	69	and	and	CCONJ
ajbmeb-2472	54	70	is	be	AUX
ajbmeb-2472	54	71	evaluated	evaluate	VERB
ajbmeb-2472	54	72	up	up	ADP
ajbmeb-2472	54	73	to	to	ADP
ajbmeb-2472	54	74	a	a	DET
ajbmeb-2472	54	75	total	total	NOUN
ajbmeb-2472	54	76	of	of	ADP
ajbmeb-2472	54	77	100	100	NUM
ajbmeb-2472	54	78	points	point	NOUN
ajbmeb-2472	54	79	.	.	PUNCT
ajbmeb-2472	55	1	table	table	NOUN
ajbmeb-2472	55	2	2	2	NUM
ajbmeb-2472	55	3	below	below	ADP
ajbmeb-2472	55	4	introduces	introduce	NOUN
ajbmeb-2472	55	5	additional	additional	ADJ
ajbmeb-2472	55	6	indicators	indicator	NOUN
ajbmeb-2472	55	7	used	use	VERB
ajbmeb-2472	55	8	in	in	ADP
ajbmeb-2472	55	9	the	the	DET
ajbmeb-2472	55	10	rating	rating	NOUN
ajbmeb-2472	55	11	assessment	assessment	NOUN
ajbmeb-2472	55	12	based	base	VERB
ajbmeb-2472	55	13	on	on	ADP
ajbmeb-2472	55	14	the	the	DET
ajbmeb-2472	55	15	financial	financial	ADJ
ajbmeb-2472	55	16	results	result	NOUN
ajbmeb-2472	55	17	achieved	achieve	VERB
ajbmeb-2472	55	18	by	by	ADP
ajbmeb-2472	55	19	bank	bank	NOUN
ajbmeb-2472	55	20	branches	branch	NOUN
ajbmeb-2472	55	21	.	.	PUNCT
ajbmeb-2472	56	1	4	4	NUM
ajbmeb-2472	56	2	compiled	compile	VERB
ajbmeb-2472	56	3	by	by	ADP
ajbmeb-2472	56	4	the	the	DET
ajbmeb-2472	56	5	author	author	NOUN
ajbmeb-2472	56	6	based	base	VERB
ajbmeb-2472	56	7	on	on	ADP
ajbmeb-2472	56	8	research	research	NOUN
ajbmeb-2472	56	9	results	result	NOUN
ajbmeb-2472	56	10	.	.	PUNCT
ajbmeb-2472	57	1	american	american	ADJ
ajbmeb-2472	57	2	journal	journal	PROPN
ajbmeb-2472	57	3	of	of	ADP
ajbmeb-2472	57	4	business	business	NOUN
ajbmeb-2472	57	5	management	management	NOUN
ajbmeb-2472	57	6	,	,	PUNCT
ajbmeb-2472	57	7	economics	economic	NOUN
ajbmeb-2472	57	8	and	and	CCONJ
ajbmeb-2472	57	9	banking	banking	NOUN
ajbmeb-2472	57	10	volume	volume	NOUN
ajbmeb-2472	57	11	30	30	NUM
ajbmeb-2472	57	12	november	november	PROPN
ajbmeb-2472	57	13	2024	2024	NUM
ajbmeb-2472	57	14	p	p	NOUN
ajbmeb-2472	57	15	a	a	DET
ajbmeb-2472	57	16	g	g	NOUN
ajbmeb-2472	57	17	e	e	NOUN
ajbmeb-2472	57	18	|	|	ADV
ajbmeb-2472	57	19	45	45	NUM
ajbmeb-2472	57	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2472	57	21	table	table	NOUN
ajbmeb-2472	57	22	2	2	NUM
ajbmeb-2472	57	23	additional	additional	ADJ
ajbmeb-2472	57	24	indicators	indicator	NOUN
ajbmeb-2472	57	25	used	use	VERB
ajbmeb-2472	57	26	to	to	PART
ajbmeb-2472	57	27	rate	rate	VERB
ajbmeb-2472	57	28	the	the	DET
ajbmeb-2472	57	29	performance	performance	NOUN
ajbmeb-2472	57	30	of	of	ADP
ajbmeb-2472	57	31	bank	bank	NOUN
ajbmeb-2472	57	32	branches5	branches5	NOUN
ajbmeb-2472	57	33	indicators	indicator	NOUN
ajbmeb-2472	57	34	execution	execution	NOUN
ajbmeb-2472	57	35	weight	weight	NOUN
ajbmeb-2472	57	36	min	min	PROPN
ajbmeb-2472	57	37	max	max	PROPN
ajbmeb-2472	57	38	min	min	PROPN
ajbmeb-2472	57	39	max	max	PROPN
ajbmeb-2472	57	40	indicator	indicator	PROPN
ajbmeb-2472	57	41	of	of	ADP
ajbmeb-2472	57	42	interest	interest	NOUN
ajbmeb-2472	57	43	income	income	NOUN
ajbmeb-2472	57	44	on	on	ADP
ajbmeb-2472	57	45	loans	loan	NOUN
ajbmeb-2472	57	46	allocated	allocate	VERB
ajbmeb-2472	57	47	to	to	ADP
ajbmeb-2472	57	48	corporate	corporate	ADJ
ajbmeb-2472	57	49	clients	client	NOUN
ajbmeb-2472	57	50	90	90	NUM
ajbmeb-2472	57	51	%	%	NOUN
ajbmeb-2472	57	52	100	100	NUM
ajbmeb-2472	57	53	%	%	NOUN
ajbmeb-2472	57	54	0	0	NUM
ajbmeb-2472	57	55	10	10	NUM
ajbmeb-2472	57	56	indicator	indicator	NOUN
ajbmeb-2472	57	57	of	of	ADP
ajbmeb-2472	57	58	loans	loan	NOUN
ajbmeb-2472	57	59	allocated	allocate	VERB
ajbmeb-2472	57	60	to	to	ADP
ajbmeb-2472	57	61	individuals	individual	NOUN
ajbmeb-2472	57	62	90	90	NUM
ajbmeb-2472	57	63	%	%	NOUN
ajbmeb-2472	57	64	100	100	NUM
ajbmeb-2472	57	65	%	%	NOUN
ajbmeb-2472	57	66	0	0	NUM
ajbmeb-2472	57	67	10	10	NUM
ajbmeb-2472	57	68	income	income	NOUN
ajbmeb-2472	57	69	indicator	indicator	NOUN
ajbmeb-2472	57	70	for	for	ADP
ajbmeb-2472	57	71	corporate	corporate	ADJ
ajbmeb-2472	57	72	non	non	ADJ
ajbmeb-2472	57	73	-	-	ADJ
ajbmeb-2472	57	74	credit	credit	ADJ
ajbmeb-2472	57	75	activities	activity	NOUN
ajbmeb-2472	57	76	90	90	NUM
ajbmeb-2472	57	77	%	%	NOUN
ajbmeb-2472	57	78	100	100	NUM
ajbmeb-2472	57	79	%	%	NOUN
ajbmeb-2472	57	80	0	0	NUM
ajbmeb-2472	57	81	10	10	NUM
ajbmeb-2472	57	82	income	income	NOUN
ajbmeb-2472	57	83	indicator	indicator	NOUN
ajbmeb-2472	57	84	for	for	ADP
ajbmeb-2472	57	85	retail	retail	ADJ
ajbmeb-2472	57	86	non	non	ADJ
ajbmeb-2472	57	87	-	-	ADJ
ajbmeb-2472	57	88	credit	credit	ADJ
ajbmeb-2472	57	89	activities	activity	NOUN
ajbmeb-2472	57	90	90	90	NUM
ajbmeb-2472	57	91	%	%	NOUN
ajbmeb-2472	57	92	100	100	NUM
ajbmeb-2472	57	93	%	%	NOUN
ajbmeb-2472	57	94	0	0	NUM
ajbmeb-2472	57	95	10	10	NUM
ajbmeb-2472	57	96	share	share	NOUN
ajbmeb-2472	57	97	of	of	ADP
ajbmeb-2472	57	98	non	non	ADJ
ajbmeb-2472	57	99	-	-	ADJ
ajbmeb-2472	57	100	interest	interest	ADJ
ajbmeb-2472	57	101	income	income	NOUN
ajbmeb-2472	57	102	in	in	ADP
ajbmeb-2472	57	103	total	total	ADJ
ajbmeb-2472	57	104	income	income	NOUN
ajbmeb-2472	57	105	,	,	PUNCT
ajbmeb-2472	57	106	%	%	NOUN
ajbmeb-2472	57	107	30	30	NUM
ajbmeb-2472	57	108	%	%	NOUN
ajbmeb-2472	57	109	40	40	NUM
ajbmeb-2472	57	110	%	%	NOUN
ajbmeb-2472	57	111	0	0	NUM
ajbmeb-2472	57	112	20	20	NUM
ajbmeb-2472	57	113	profitability	profitability	NOUN
ajbmeb-2472	57	114	,	,	PUNCT
ajbmeb-2472	57	115	%	%	NOUN
ajbmeb-2472	57	116	15	15	NUM
ajbmeb-2472	57	117	%	%	NOUN
ajbmeb-2472	57	118	20	20	NUM
ajbmeb-2472	57	119	%	%	NOUN
ajbmeb-2472	57	120	0	0	NUM
ajbmeb-2472	57	121	10	10	NUM
ajbmeb-2472	57	122	cir	cir	NOUN
ajbmeb-2472	57	123	(	(	PUNCT
ajbmeb-2472	57	124	operational	operational	ADJ
ajbmeb-2472	57	125	efficiency	efficiency	NOUN
ajbmeb-2472	57	126	)	)	PUNCT
ajbmeb-2472	57	127	50	50	NUM
ajbmeb-2472	57	128	%	%	NOUN
ajbmeb-2472	57	129	40	40	NUM
ajbmeb-2472	57	130	%	%	NOUN
ajbmeb-2472	57	131	0	0	NUM
ajbmeb-2472	57	132	10	10	NUM
ajbmeb-2472	57	133	net	net	ADJ
ajbmeb-2472	57	134	profit	profit	NOUN
ajbmeb-2472	57	135	per	per	ADP
ajbmeb-2472	57	136	employee	employee	NOUN
ajbmeb-2472	57	137	80	80	NUM
ajbmeb-2472	57	138	%	%	NOUN
ajbmeb-2472	57	139	100	100	NUM
ajbmeb-2472	57	140	%	%	NOUN
ajbmeb-2472	57	141	0	0	NUM
ajbmeb-2472	57	142	20	20	NUM
ajbmeb-2472	57	143	total	total	ADJ
ajbmeb-2472	57	144	score	score	NOUN
ajbmeb-2472	57	145	80	80	NUM
ajbmeb-2472	57	146	%	%	NOUN
ajbmeb-2472	57	147	100	100	NUM
ajbmeb-2472	57	148	%	%	NOUN
ajbmeb-2472	57	149	0,0	0,0	NUM
ajbmeb-2472	57	150	100,0	100,0	NUM
ajbmeb-2472	57	151	based	base	VERB
ajbmeb-2472	57	152	on	on	ADP
ajbmeb-2472	57	153	the	the	DET
ajbmeb-2472	57	154	achieved	achieve	VERB
ajbmeb-2472	57	155	financial	financial	ADJ
ajbmeb-2472	57	156	results	result	NOUN
ajbmeb-2472	57	157	of	of	ADP
ajbmeb-2472	57	158	commercial	commercial	ADJ
ajbmeb-2472	57	159	bank	bank	NOUN
ajbmeb-2472	57	160	branches	branch	NOUN
ajbmeb-2472	57	161	,	,	PUNCT
ajbmeb-2472	57	162	the	the	DET
ajbmeb-2472	57	163	indicators	indicator	NOUN
ajbmeb-2472	57	164	used	use	VERB
ajbmeb-2472	57	165	in	in	ADP
ajbmeb-2472	57	166	the	the	DET
ajbmeb-2472	57	167	rating	rating	NOUN
ajbmeb-2472	57	168	assessment	assessment	NOUN
ajbmeb-2472	57	169	focus	focus	VERB
ajbmeb-2472	57	170	on	on	ADP
ajbmeb-2472	57	171	income	income	NOUN
ajbmeb-2472	57	172	plan	plan	NOUN
ajbmeb-2472	57	173	indicators	indicator	NOUN
ajbmeb-2472	57	174	and	and	CCONJ
ajbmeb-2472	57	175	efficiency	efficiency	NOUN
ajbmeb-2472	57	176	indicators	indicator	NOUN
ajbmeb-2472	57	177	.	.	PUNCT
ajbmeb-2472	58	1	in	in	ADP
ajbmeb-2472	58	2	this	this	DET
ajbmeb-2472	58	3	evaluation	evaluation	NOUN
ajbmeb-2472	58	4	,	,	PUNCT
ajbmeb-2472	58	5	the	the	DET
ajbmeb-2472	58	6	indicator	indicator	NOUN
ajbmeb-2472	58	7	of	of	ADP
ajbmeb-2472	58	8	interest	interest	NOUN
ajbmeb-2472	58	9	income	income	NOUN
ajbmeb-2472	58	10	on	on	ADP
ajbmeb-2472	58	11	loans	loan	NOUN
ajbmeb-2472	58	12	allocated	allocate	VERB
ajbmeb-2472	58	13	to	to	ADP
ajbmeb-2472	58	14	corporate	corporate	ADJ
ajbmeb-2472	58	15	clients	client	NOUN
ajbmeb-2472	58	16	is	be	AUX
ajbmeb-2472	58	17	-10	-10	NOUN
ajbmeb-2472	58	18	points	point	NOUN
ajbmeb-2472	58	19	,	,	PUNCT
ajbmeb-2472	58	20	the	the	DET
ajbmeb-2472	58	21	indicator	indicator	NOUN
ajbmeb-2472	58	22	on	on	ADP
ajbmeb-2472	58	23	loans	loan	NOUN
ajbmeb-2472	58	24	allocated	allocate	VERB
ajbmeb-2472	58	25	to	to	ADP
ajbmeb-2472	58	26	individuals	individual	NOUN
ajbmeb-2472	58	27	is	be	AUX
ajbmeb-2472	58	28	-10	-10	NOUN
ajbmeb-2472	58	29	points	point	NOUN
ajbmeb-2472	58	30	,	,	PUNCT
ajbmeb-2472	58	31	the	the	DET
ajbmeb-2472	58	32	indicator	indicator	NOUN
ajbmeb-2472	58	33	of	of	ADP
ajbmeb-2472	58	34	income	income	NOUN
ajbmeb-2472	58	35	on	on	ADP
ajbmeb-2472	58	36	corporate	corporate	ADJ
ajbmeb-2472	58	37	non	non	ADJ
ajbmeb-2472	58	38	-	-	ADJ
ajbmeb-2472	58	39	credit	credit	ADJ
ajbmeb-2472	58	40	activities	activity	NOUN
ajbmeb-2472	58	41	is	be	AUX
ajbmeb-2472	58	42	-10	-10	NOUN
ajbmeb-2472	58	43	points	point	NOUN
ajbmeb-2472	58	44	,	,	PUNCT
ajbmeb-2472	58	45	the	the	DET
ajbmeb-2472	58	46	indicator	indicator	NOUN
ajbmeb-2472	58	47	of	of	ADP
ajbmeb-2472	58	48	income	income	NOUN
ajbmeb-2472	58	49	on	on	ADP
ajbmeb-2472	58	50	retail	retail	ADJ
ajbmeb-2472	58	51	non	non	ADJ
ajbmeb-2472	58	52	-	-	ADJ
ajbmeb-2472	58	53	credit	credit	ADJ
ajbmeb-2472	58	54	activities	activity	NOUN
ajbmeb-2472	58	55	is	be	AUX
ajbmeb-2472	58	56	-10	-10	NOUN
ajbmeb-2472	58	57	points	point	NOUN
ajbmeb-2472	58	58	,	,	PUNCT
ajbmeb-2472	58	59	the	the	DET
ajbmeb-2472	58	60	share	share	NOUN
ajbmeb-2472	58	61	of	of	ADP
ajbmeb-2472	58	62	non	non	ADJ
ajbmeb-2472	58	63	-	-	ADJ
ajbmeb-2472	58	64	interest	interest	ADJ
ajbmeb-2472	58	65	income	income	NOUN
ajbmeb-2472	58	66	in	in	ADP
ajbmeb-2472	58	67	total	total	ADJ
ajbmeb-2472	58	68	income	income	NOUN
ajbmeb-2472	58	69	,	,	PUNCT
ajbmeb-2472	58	70	-20	-20	NUM
ajbmeb-2472	58	71	points	point	NOUN
ajbmeb-2472	58	72	,	,	PUNCT
ajbmeb-2472	58	73	-10	-10	PUNCT
ajbmeb-2472	58	74	points	point	NOUN
ajbmeb-2472	58	75	for	for	ADP
ajbmeb-2472	58	76	profitability	profitability	NOUN
ajbmeb-2472	58	77	,	,	PUNCT
ajbmeb-2472	58	78	-10	-10	PUNCT
ajbmeb-2472	58	79	points	point	NOUN
ajbmeb-2472	58	80	for	for	ADP
ajbmeb-2472	58	81	cir	cir	NOUN
ajbmeb-2472	58	82	,	,	PUNCT
ajbmeb-2472	58	83	-10	-10	PUNCT
ajbmeb-2472	58	84	points	point	NOUN
ajbmeb-2472	58	85	for	for	ADP
ajbmeb-2472	58	86	net	net	ADJ
ajbmeb-2472	58	87	profit	profit	NOUN
ajbmeb-2472	58	88	per	per	ADP
ajbmeb-2472	58	89	branch	branch	NOUN
ajbmeb-2472	58	90	employee	employee	NOUN
ajbmeb-2472	58	91	-20	-20	NUM
ajbmeb-2472	58	92	points	point	VERB
ajbmeb-2472	58	93	and	and	CCONJ
ajbmeb-2472	58	94	the	the	DET
ajbmeb-2472	58	95	result	result	NOUN
ajbmeb-2472	58	96	is	be	AUX
ajbmeb-2472	58	97	a	a	DET
ajbmeb-2472	58	98	total	total	NOUN
ajbmeb-2472	58	99	of	of	ADP
ajbmeb-2472	58	100	100	100	NUM
ajbmeb-2472	58	101	points	point	NOUN
ajbmeb-2472	58	102	.	.	PUNCT
ajbmeb-2472	59	1	in	in	ADP
ajbmeb-2472	59	2	this	this	DET
ajbmeb-2472	59	3	ranking	ranking	ADJ
ajbmeb-2472	59	4	assessment	assessment	NOUN
ajbmeb-2472	59	5	,	,	PUNCT
ajbmeb-2472	59	6	two	two	NUM
ajbmeb-2472	59	7	indicators	indicator	NOUN
ajbmeb-2472	59	8	are	be	AUX
ajbmeb-2472	59	9	given	give	VERB
ajbmeb-2472	59	10	the	the	DET
ajbmeb-2472	59	11	main	main	ADJ
ajbmeb-2472	59	12	weight	weight	NOUN
ajbmeb-2472	59	13	,	,	PUNCT
ajbmeb-2472	59	14	namely	namely	ADV
ajbmeb-2472	59	15	,	,	PUNCT
ajbmeb-2472	59	16	the	the	DET
ajbmeb-2472	59	17	share	share	NOUN
ajbmeb-2472	59	18	of	of	ADP
ajbmeb-2472	59	19	non	non	ADJ
ajbmeb-2472	59	20	-	-	ADJ
ajbmeb-2472	59	21	interest	interest	ADJ
ajbmeb-2472	59	22	income	income	NOUN
ajbmeb-2472	59	23	in	in	ADP
ajbmeb-2472	59	24	total	total	ADJ
ajbmeb-2472	59	25	income	income	NOUN
ajbmeb-2472	59	26	and	and	CCONJ
ajbmeb-2472	59	27	the	the	DET
ajbmeb-2472	59	28	amount	amount	NOUN
ajbmeb-2472	59	29	of	of	ADP
ajbmeb-2472	59	30	net	net	ADJ
ajbmeb-2472	59	31	profit	profit	NOUN
ajbmeb-2472	59	32	per	per	ADP
ajbmeb-2472	59	33	branch	branch	NOUN
ajbmeb-2472	59	34	employee	employee	NOUN
ajbmeb-2472	59	35	,	,	PUNCT
ajbmeb-2472	59	36	which	which	PRON
ajbmeb-2472	59	37	is	be	AUX
ajbmeb-2472	59	38	given	give	VERB
ajbmeb-2472	59	39	40	40	NUM
ajbmeb-2472	59	40	%	%	NOUN
ajbmeb-2472	59	41	of	of	ADP
ajbmeb-2472	59	42	the	the	DET
ajbmeb-2472	59	43	total	total	ADJ
ajbmeb-2472	59	44	result	result	NOUN
ajbmeb-2472	59	45	.	.	PUNCT
ajbmeb-2472	60	1	therefore	therefore	ADV
ajbmeb-2472	60	2	,	,	PUNCT
ajbmeb-2472	60	3	branches	branch	NOUN
ajbmeb-2472	60	4	should	should	AUX
ajbmeb-2472	60	5	effectively	effectively	ADV
ajbmeb-2472	60	6	manage	manage	VERB
ajbmeb-2472	60	7	costs	cost	NOUN
ajbmeb-2472	60	8	and	and	CCONJ
ajbmeb-2472	60	9	reduce	reduce	VERB
ajbmeb-2472	60	10	them	they	PRON
ajbmeb-2472	60	11	to	to	ADP
ajbmeb-2472	60	12	a	a	DET
ajbmeb-2472	60	13	minimum	minimum	ADJ
ajbmeb-2472	60	14	level	level	NOUN
ajbmeb-2472	60	15	in	in	ADP
ajbmeb-2472	60	16	order	order	NOUN
ajbmeb-2472	60	17	to	to	PART
ajbmeb-2472	60	18	increase	increase	VERB
ajbmeb-2472	60	19	operational	operational	ADJ
ajbmeb-2472	60	20	efficiency	efficiency	NOUN
ajbmeb-2472	60	21	.	.	PUNCT
ajbmeb-2472	61	1	it	it	PRON
ajbmeb-2472	61	2	also	also	ADV
ajbmeb-2472	61	3	tries	try	VERB
ajbmeb-2472	61	4	to	to	PART
ajbmeb-2472	61	5	sell	sell	VERB
ajbmeb-2472	61	6	services	service	NOUN
ajbmeb-2472	61	7	that	that	PRON
ajbmeb-2472	61	8	generate	generate	VERB
ajbmeb-2472	61	9	more	more	ADJ
ajbmeb-2472	61	10	commission	commission	NOUN
ajbmeb-2472	61	11	income	income	NOUN
ajbmeb-2472	61	12	by	by	ADP
ajbmeb-2472	61	13	focusing	focus	VERB
ajbmeb-2472	61	14	on	on	ADP
ajbmeb-2472	61	15	transactions	transaction	NOUN
ajbmeb-2472	61	16	that	that	PRON
ajbmeb-2472	61	17	generate	generate	VERB
ajbmeb-2472	61	18	interest	interest	NOUN
ajbmeb-2472	61	19	-	-	PUNCT
ajbmeb-2472	61	20	free	free	ADJ
ajbmeb-2472	61	21	income	income	NOUN
ajbmeb-2472	61	22	.	.	PUNCT
ajbmeb-2472	62	1	conclusion	conclusion	NOUN
ajbmeb-2472	62	2	and	and	CCONJ
ajbmeb-2472	62	3	suggestions	suggestion	NOUN
ajbmeb-2472	62	4	the	the	DET
ajbmeb-2472	62	5	proposed	propose	VERB
ajbmeb-2472	62	6	methodical	methodical	ADJ
ajbmeb-2472	62	7	approach	approach	NOUN
ajbmeb-2472	62	8	to	to	ADP
ajbmeb-2472	62	9	the	the	DET
ajbmeb-2472	62	10	implementation	implementation	NOUN
ajbmeb-2472	62	11	of	of	ADP
ajbmeb-2472	62	12	the	the	DET
ajbmeb-2472	62	13	research	research	NOUN
ajbmeb-2472	62	14	creates	create	VERB
ajbmeb-2472	62	15	a	a	DET
ajbmeb-2472	62	16	basis	basis	NOUN
ajbmeb-2472	62	17	for	for	ADP
ajbmeb-2472	62	18	rating	rate	VERB
ajbmeb-2472	62	19	the	the	DET
ajbmeb-2472	62	20	activity	activity	NOUN
ajbmeb-2472	62	21	of	of	ADP
ajbmeb-2472	62	22	bank	bank	NOUN
ajbmeb-2472	62	23	branches	branch	NOUN
ajbmeb-2472	62	24	,	,	PUNCT
ajbmeb-2472	62	25	and	and	CCONJ
ajbmeb-2472	62	26	its	its	PRON
ajbmeb-2472	62	27	application	application	NOUN
ajbmeb-2472	62	28	in	in	ADP
ajbmeb-2472	62	29	the	the	DET
ajbmeb-2472	62	30	activity	activity	NOUN
ajbmeb-2472	62	31	of	of	ADP
ajbmeb-2472	62	32	banks	bank	NOUN
ajbmeb-2472	62	33	can	can	AUX
ajbmeb-2472	62	34	give	give	VERB
ajbmeb-2472	62	35	positive	positive	ADJ
ajbmeb-2472	62	36	results	result	NOUN
ajbmeb-2472	62	37	.	.	PUNCT
ajbmeb-2472	63	1	the	the	DET
ajbmeb-2472	63	2	proposed	propose	VERB
ajbmeb-2472	63	3	indicators	indicator	NOUN
ajbmeb-2472	63	4	used	use	VERB
ajbmeb-2472	63	5	to	to	PART
ajbmeb-2472	63	6	obtain	obtain	VERB
ajbmeb-2472	63	7	important	important	ADJ
ajbmeb-2472	63	8	results	result	NOUN
ajbmeb-2472	63	9	on	on	ADP
ajbmeb-2472	63	10	the	the	DET
ajbmeb-2472	63	11	basis	basis	NOUN
ajbmeb-2472	63	12	of	of	ADP
ajbmeb-2472	63	13	the	the	DET
ajbmeb-2472	63	14	integrated	integrate	VERB
ajbmeb-2472	63	15	indicator	indicator	NOUN
ajbmeb-2472	63	16	of	of	ADP
ajbmeb-2472	63	17	the	the	DET
ajbmeb-2472	63	18	effectiveness	effectiveness	NOUN
ajbmeb-2472	63	19	of	of	ADP
ajbmeb-2472	63	20	bank	bank	NOUN
ajbmeb-2472	63	21	branches	branch	NOUN
ajbmeb-2472	63	22	are	be	AUX
ajbmeb-2472	63	23	interrelated	interrelated	ADJ
ajbmeb-2472	63	24	and	and	CCONJ
ajbmeb-2472	63	25	their	their	PRON
ajbmeb-2472	63	26	importance	importance	NOUN
ajbmeb-2472	63	27	increases	increase	NOUN
ajbmeb-2472	63	28	when	when	SCONJ
ajbmeb-2472	63	29	they	they	PRON
ajbmeb-2472	63	30	fully	fully	ADV
ajbmeb-2472	63	31	cover	cover	VERB
ajbmeb-2472	63	32	the	the	DET
ajbmeb-2472	63	33	branch	branch	NOUN
ajbmeb-2472	63	34	activity	activity	NOUN
ajbmeb-2472	63	35	.	.	PUNCT
ajbmeb-2472	64	1	increasing	increase	VERB
ajbmeb-2472	64	2	the	the	DET
ajbmeb-2472	64	3	efficiency	efficiency	NOUN
ajbmeb-2472	64	4	of	of	ADP
ajbmeb-2472	64	5	branches	branch	NOUN
ajbmeb-2472	64	6	in	in	ADP
ajbmeb-2472	64	7	banks	bank	NOUN
ajbmeb-2472	64	8	requires	require	VERB
ajbmeb-2472	64	9	the	the	DET
ajbmeb-2472	64	10	centralization	centralization	NOUN
ajbmeb-2472	64	11	of	of	ADP
ajbmeb-2472	64	12	the	the	DET
ajbmeb-2472	64	13	bank	bank	NOUN
ajbmeb-2472	64	14	’s	’s	PART
ajbmeb-2472	64	15	functional	functional	ADJ
ajbmeb-2472	64	16	structure	structure	NOUN
ajbmeb-2472	64	17	.	.	PUNCT
ajbmeb-2472	65	1	operations	operation	NOUN
ajbmeb-2472	65	2	performed	perform	VERB
ajbmeb-2472	65	3	by	by	ADP
ajbmeb-2472	65	4	bank	bank	NOUN
ajbmeb-2472	65	5	branches	branch	NOUN
ajbmeb-2472	65	6	can	can	AUX
ajbmeb-2472	65	7	be	be	AUX
ajbmeb-2472	65	8	confirmed	confirm	VERB
ajbmeb-2472	65	9	in	in	ADP
ajbmeb-2472	65	10	the	the	DET
ajbmeb-2472	65	11	bank	bank	NOUN
ajbmeb-2472	65	12	’s	’s	PART
ajbmeb-2472	65	13	automated	automate	VERB
ajbmeb-2472	65	14	software	software	NOUN
ajbmeb-2472	65	15	or	or	CCONJ
ajbmeb-2472	65	16	internal	internal	ADJ
ajbmeb-2472	65	17	banking	banking	NOUN
ajbmeb-2472	65	18	operations	operation	NOUN
ajbmeb-2472	65	19	can	can	AUX
ajbmeb-2472	65	20	be	be	AUX
ajbmeb-2472	65	21	centralized	centralize	VERB
ajbmeb-2472	65	22	.	.	PUNCT
ajbmeb-2472	66	1	internal	internal	ADJ
ajbmeb-2472	66	2	operations	operation	NOUN
ajbmeb-2472	66	3	of	of	ADP
ajbmeb-2472	66	4	the	the	DET
ajbmeb-2472	66	5	bank	bank	NOUN
ajbmeb-2472	66	6	,	,	PUNCT
ajbmeb-2472	66	7	such	such	ADJ
ajbmeb-2472	66	8	as	as	ADP
ajbmeb-2472	66	9	wages	wage	NOUN
ajbmeb-2472	66	10	,	,	PUNCT
ajbmeb-2472	66	11	taxes	taxis	NOUN
ajbmeb-2472	66	12	,	,	PUNCT
ajbmeb-2472	66	13	insurance	insurance	NOUN
ajbmeb-2472	66	14	,	,	PUNCT
ajbmeb-2472	66	15	low	low	ADJ
ajbmeb-2472	66	16	-	-	PUNCT
ajbmeb-2472	66	17	value	value	NOUN
ajbmeb-2472	66	18	and	and	CCONJ
ajbmeb-2472	66	19	fast	fast	ADV
ajbmeb-2472	66	20	-	-	PUNCT
ajbmeb-2472	66	21	wearing	wear	VERB
ajbmeb-2472	66	22	items	item	NOUN
ajbmeb-2472	66	23	,	,	PUNCT
ajbmeb-2472	66	24	fixed	fix	VERB
ajbmeb-2472	66	25	assets	asset	NOUN
ajbmeb-2472	66	26	,	,	PUNCT
ajbmeb-2472	66	27	are	be	AUX
ajbmeb-2472	66	28	carried	carry	VERB
ajbmeb-2472	66	29	out	out	ADP
ajbmeb-2472	66	30	through	through	ADP
ajbmeb-2472	66	31	the	the	DET
ajbmeb-2472	66	32	head	head	NOUN
ajbmeb-2472	66	33	office	office	NOUN
ajbmeb-2472	66	34	,	,	PUNCT
ajbmeb-2472	66	35	reducing	reduce	VERB
ajbmeb-2472	66	36	the	the	DET
ajbmeb-2472	66	37	staff	staff	NOUN
ajbmeb-2472	66	38	available	available	ADJ
ajbmeb-2472	66	39	in	in	ADP
ajbmeb-2472	66	40	the	the	DET
ajbmeb-2472	66	41	branches	branch	NOUN
ajbmeb-2472	66	42	and	and	CCONJ
ajbmeb-2472	66	43	reducing	reduce	VERB
ajbmeb-2472	66	44	operational	operational	ADJ
ajbmeb-2472	66	45	costs	cost	NOUN
ajbmeb-2472	66	46	in	in	ADP
ajbmeb-2472	66	47	other	other	ADJ
ajbmeb-2472	66	48	aspects	aspect	NOUN
ajbmeb-2472	66	49	.	.	PUNCT
ajbmeb-2472	67	1	centralization	centralization	NOUN
ajbmeb-2472	67	2	of	of	ADP
ajbmeb-2472	67	3	certain	certain	ADJ
ajbmeb-2472	67	4	functions	function	NOUN
ajbmeb-2472	67	5	of	of	ADP
ajbmeb-2472	67	6	banking	banking	NOUN
ajbmeb-2472	67	7	business	business	NOUN
ajbmeb-2472	67	8	services	service	NOUN
ajbmeb-2472	67	9	(	(	PUNCT
ajbmeb-2472	67	10	for	for	ADP
ajbmeb-2472	67	11	example	example	NOUN
ajbmeb-2472	67	12	,	,	PUNCT
ajbmeb-2472	67	13	personnel	personnel	NOUN
ajbmeb-2472	67	14	management	management	NOUN
ajbmeb-2472	67	15	,	,	PUNCT
ajbmeb-2472	67	16	credit	credit	NOUN
ajbmeb-2472	67	17	risk	risk	NOUN
ajbmeb-2472	67	18	assessment	assessment	NOUN
ajbmeb-2472	67	19	,	,	PUNCT
ajbmeb-2472	67	20	call	call	NOUN
ajbmeb-2472	67	21	center	center	NOUN
ajbmeb-2472	67	22	)	)	PUNCT
ajbmeb-2472	67	23	at	at	ADP
ajbmeb-2472	67	24	the	the	DET
ajbmeb-2472	67	25	head	head	NOUN
ajbmeb-2472	67	26	office	office	NOUN
ajbmeb-2472	67	27	level	level	NOUN
ajbmeb-2472	67	28	.	.	PUNCT
ajbmeb-2472	68	1	in	in	ADP
ajbmeb-2472	68	2	order	order	NOUN
ajbmeb-2472	68	3	to	to	PART
ajbmeb-2472	68	4	increase	increase	VERB
ajbmeb-2472	68	5	the	the	DET
ajbmeb-2472	68	6	efficiency	efficiency	NOUN
ajbmeb-2472	68	7	of	of	ADP
ajbmeb-2472	68	8	5	5	NUM
ajbmeb-2472	68	9	compiled	compile	VERB
ajbmeb-2472	68	10	by	by	ADP
ajbmeb-2472	68	11	the	the	DET
ajbmeb-2472	68	12	author	author	NOUN
ajbmeb-2472	68	13	based	base	VERB
ajbmeb-2472	68	14	on	on	ADP
ajbmeb-2472	68	15	research	research	NOUN
ajbmeb-2472	68	16	results	result	NOUN
ajbmeb-2472	68	17	.	.	PUNCT
ajbmeb-2472	69	1	american	american	ADJ
ajbmeb-2472	69	2	journal	journal	PROPN
ajbmeb-2472	69	3	of	of	ADP
ajbmeb-2472	69	4	business	business	NOUN
ajbmeb-2472	69	5	management	management	NOUN
ajbmeb-2472	69	6	,	,	PUNCT
ajbmeb-2472	69	7	economics	economic	NOUN
ajbmeb-2472	69	8	and	and	CCONJ
ajbmeb-2472	69	9	banking	banking	NOUN
ajbmeb-2472	69	10	volume	volume	NOUN
ajbmeb-2472	69	11	30	30	NUM
ajbmeb-2472	69	12	november	november	PROPN
ajbmeb-2472	69	13	2024	2024	NUM
ajbmeb-2472	69	14	p	p	NOUN
ajbmeb-2472	69	15	a	a	DET
ajbmeb-2472	69	16	g	g	NOUN
ajbmeb-2472	69	17	e	e	NOUN
ajbmeb-2472	69	18	|	|	ADV
ajbmeb-2472	69	19	46	46	NUM
ajbmeb-2472	69	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2472	69	21	branches	branch	NOUN
ajbmeb-2472	69	22	,	,	PUNCT
ajbmeb-2472	69	23	in	in	ADP
ajbmeb-2472	69	24	addition	addition	NOUN
ajbmeb-2472	69	25	,	,	PUNCT
ajbmeb-2472	69	26	banks	bank	NOUN
ajbmeb-2472	69	27	locate	locate	VERB
ajbmeb-2472	69	28	service	service	NOUN
ajbmeb-2472	69	29	centers	center	NOUN
ajbmeb-2472	69	30	in	in	ADP
ajbmeb-2472	69	31	areas	area	NOUN
ajbmeb-2472	69	32	with	with	ADP
ajbmeb-2472	69	33	low	low	ADJ
ajbmeb-2472	69	34	real	real	ADJ
ajbmeb-2472	69	35	estate	estate	NOUN
ajbmeb-2472	69	36	and	and	CCONJ
ajbmeb-2472	69	37	labor	labor	NOUN
ajbmeb-2472	69	38	costs	cost	NOUN
ajbmeb-2472	69	39	,	,	PUNCT
ajbmeb-2472	69	40	which	which	PRON
ajbmeb-2472	69	41	further	far	ADV
ajbmeb-2472	69	42	increases	increase	VERB
ajbmeb-2472	69	43	efficiency	efficiency	NOUN
ajbmeb-2472	69	44	.	.	PUNCT
ajbmeb-2472	70	1	references	reference	NOUN
ajbmeb-2472	70	2	1	1	NUM
ajbmeb-2472	70	3	.	.	PUNCT
ajbmeb-2472	71	1	decision	decision	NOUN
ajbmeb-2472	71	2	of	of	ADP
ajbmeb-2472	71	3	the	the	DET
ajbmeb-2472	71	4	president	president	NOUN
ajbmeb-2472	71	5	of	of	ADP
ajbmeb-2472	71	6	the	the	DET
ajbmeb-2472	71	7	republic	republic	NOUN
ajbmeb-2472	71	8	of	of	ADP
ajbmeb-2472	71	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	71	10	dated	date	VERB
ajbmeb-2472	71	11	october	october	PROPN
ajbmeb-2472	71	12	24	24	NUM
ajbmeb-2472	71	13	,	,	PUNCT
ajbmeb-2472	71	14	2019	2019	NUM
ajbmeb-2472	71	15	no	no	NOUN
ajbmeb-2472	71	16	.	.	PUNCT
ajbmeb-2472	71	17	4498	4498	NUM
ajbmeb-2472	71	18	“	"	PUNCT
ajbmeb-2472	71	19	on	on	ADP
ajbmeb-2472	71	20	additional	additional	ADJ
ajbmeb-2472	71	21	measures	measure	NOUN
ajbmeb-2472	71	22	to	to	PART
ajbmeb-2472	71	23	improve	improve	VERB
ajbmeb-2472	71	24	the	the	DET
ajbmeb-2472	71	25	lending	lending	NOUN
ajbmeb-2472	71	26	procedure	procedure	NOUN
ajbmeb-2472	71	27	for	for	ADP
ajbmeb-2472	71	28	projects	project	NOUN
ajbmeb-2472	71	29	implemented	implement	VERB
ajbmeb-2472	71	30	within	within	ADP
ajbmeb-2472	71	31	the	the	DET
ajbmeb-2472	71	32	framework	framework	NOUN
ajbmeb-2472	71	33	of	of	ADP
ajbmeb-2472	71	34	state	state	NOUN
ajbmeb-2472	71	35	programs	program	NOUN
ajbmeb-2472	71	36	for	for	ADP
ajbmeb-2472	71	37	the	the	DET
ajbmeb-2472	71	38	development	development	NOUN
ajbmeb-2472	71	39	of	of	ADP
ajbmeb-2472	71	40	family	family	NOUN
ajbmeb-2472	71	41	entrepreneurship	entrepreneurship	NOUN
ajbmeb-2472	71	42	”	"	PUNCT
ajbmeb-2472	71	43	.	.	PUNCT
ajbmeb-2472	72	1	2	2	X
ajbmeb-2472	72	2	.	.	X
ajbmeb-2472	72	3	decree	decree	NOUN
ajbmeb-2472	72	4	of	of	ADP
ajbmeb-2472	72	5	the	the	DET
ajbmeb-2472	72	6	president	president	NOUN
ajbmeb-2472	72	7	of	of	ADP
ajbmeb-2472	72	8	the	the	DET
ajbmeb-2472	72	9	republic	republic	NOUN
ajbmeb-2472	72	10	of	of	ADP
ajbmeb-2472	72	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	72	12	dated	date	VERB
ajbmeb-2472	72	13	may	may	PROPN
ajbmeb-2472	72	14	12	12	NUM
ajbmeb-2472	72	15	,	,	PUNCT
ajbmeb-2472	72	16	2020	2020	NUM
ajbmeb-2472	72	17	no	no	NOUN
ajbmeb-2472	72	18	.	.	PUNCT
ajbmeb-2472	72	19	5992	5992	NUM
ajbmeb-2472	72	20	“	"	PUNCT
ajbmeb-2472	72	21	on	on	ADP
ajbmeb-2472	72	22	the	the	DET
ajbmeb-2472	72	23	strategy	strategy	NOUN
ajbmeb-2472	72	24	of	of	ADP
ajbmeb-2472	72	25	reforming	reform	VERB
ajbmeb-2472	72	26	the	the	DET
ajbmeb-2472	72	27	banking	banking	NOUN
ajbmeb-2472	72	28	system	system	NOUN
ajbmeb-2472	72	29	of	of	ADP
ajbmeb-2472	72	30	the	the	DET
ajbmeb-2472	72	31	republic	republic	NOUN
ajbmeb-2472	72	32	of	of	ADP
ajbmeb-2472	72	33	uzbekistan	uzbekistan	PROPN
ajbmeb-2472	72	34	for	for	ADP
ajbmeb-2472	72	35	2020	2020	NUM
ajbmeb-2472	72	36	-	-	SYM
ajbmeb-2472	72	37	2025	2025	NUM
ajbmeb-2472	72	38	”	"	PUNCT
ajbmeb-2472	72	39	.	.	PUNCT
ajbmeb-2472	73	1	https://lex.uz/docs/4811025	https://lex.uz/docs/4811025	NOUN
ajbmeb-2472	73	2	.	.	PROPN
ajbmeb-2472	73	3	3	3	NUM
ajbmeb-2472	73	4	.	.	X
ajbmeb-2472	73	5	karataeva	karataeva	PROPN
ajbmeb-2472	73	6	g.e	g.e	PROPN
ajbmeb-2472	73	7	.	.	PROPN
ajbmeb-2472	73	8	,	,	PUNCT
ajbmeb-2472	73	9	shikhveledova	shikhveledova	VERB
ajbmeb-2472	73	10	d.k	d.k	PROPN
ajbmeb-2472	73	11	.	.	PROPN
ajbmeb-2472	73	12	efficiency	efficiency	NOUN
ajbmeb-2472	73	13	of	of	ADP
ajbmeb-2472	73	14	commercial	commercial	ADJ
ajbmeb-2472	73	15	banks	bank	NOUN
ajbmeb-2472	73	16	:	:	PUNCT
ajbmeb-2472	73	17	concept	concept	NOUN
ajbmeb-2472	73	18	and	and	CCONJ
ajbmeb-2472	73	19	assessment	assessment	NOUN
ajbmeb-2472	73	20	methods	method	NOUN
ajbmeb-2472	73	21	//	//	NUM
ajbmeb-2472	73	22	bulletin	bulletin	NOUN
ajbmeb-2472	73	23	of	of	ADP
ajbmeb-2472	73	24	surgut	surgut	PROPN
ajbmeb-2472	73	25	state	state	PROPN
ajbmeb-2472	73	26	university	university	PROPN
ajbmeb-2472	73	27	.	.	PUNCT
ajbmeb-2472	74	1	2020	2020	NUM
ajbmeb-2472	74	2	.	.	PUNCT
ajbmeb-2472	75	1	no	no	INTJ
ajbmeb-2472	75	2	.	.	NOUN
ajbmeb-2472	76	1	3	3	X
ajbmeb-2472	76	2	.	.	PUNCT
ajbmeb-2472	77	1	p.	p.	NOUN
ajbmeb-2472	77	2	6–16	6–16	PROPN
ajbmeb-2472	77	3	.	.	PUNCT
ajbmeb-2472	78	1	4	4	X
ajbmeb-2472	78	2	.	.	X
ajbmeb-2472	78	3	makin	makin	PROPN
ajbmeb-2472	78	4	m.v	m.v	PROPN
ajbmeb-2472	78	5	.	.	PROPN
ajbmeb-2472	78	6	,	,	PUNCT
ajbmeb-2472	78	7	konorev	konorev	PROPN
ajbmeb-2472	78	8	a.m.	a.m.	PROPN
ajbmeb-2472	78	9	,	,	PUNCT
ajbmeb-2472	78	10	bystritskaya	bystritskaya	PROPN
ajbmeb-2472	78	11	a.yu	a.yu	PROPN
ajbmeb-2472	78	12	.	.	PROPN
ajbmeb-2472	79	1	,	,	PUNCT
ajbmeb-2472	79	2	pakhomova	pakhomova	PROPN
ajbmeb-2472	79	3	e.v	e.v	PROPN
ajbmeb-2472	79	4	.	.	PROPN
ajbmeb-2472	79	5	study	study	NOUN
ajbmeb-2472	79	6	of	of	ADP
ajbmeb-2472	79	7	the	the	DET
ajbmeb-2472	79	8	efficiency	efficiency	NOUN
ajbmeb-2472	79	9	of	of	ADP
ajbmeb-2472	79	10	a	a	DET
ajbmeb-2472	79	11	commercial	commercial	ADJ
ajbmeb-2472	79	12	bank	bank	NOUN
ajbmeb-2472	79	13	//	//	NUM
ajbmeb-2472	79	14	bulletin	bulletin	NOUN
ajbmeb-2472	79	15	of	of	ADP
ajbmeb-2472	79	16	eurasian	eurasian	ADJ
ajbmeb-2472	79	17	science	science	NOUN
ajbmeb-2472	79	18	.	.	PUNCT
ajbmeb-2472	80	1	2019	2019	NUM
ajbmeb-2472	80	2	.	.	PUNCT
ajbmeb-2472	81	1	no	no	INTJ
ajbmeb-2472	81	2	.	.	NOUN
ajbmeb-2472	82	1	1	1	NUM
ajbmeb-2472	82	2	.	.	NUM
ajbmeb-2472	82	3	vol	vol	NOUN
ajbmeb-2472	82	4	.	.	PUNCT
ajbmeb-2472	83	1	11	11	NUM
ajbmeb-2472	83	2	.	.	PUNCT
ajbmeb-2472	84	1	no	no	INTJ
ajbmeb-2472	84	2	.	.	NOUN
ajbmeb-2472	85	1	1	1	NUM
ajbmeb-2472	85	2	.	.	NUM
ajbmeb-2472	85	3	vol	vol	NOUN
ajbmeb-2472	85	4	.	.	PUNCT
ajbmeb-2472	86	1	11	11	NUM
ajbmeb-2472	86	2	.	.	PUNCT
ajbmeb-2472	87	1	[	[	X
ajbmeb-2472	87	2	electronic	electronic	ADJ
ajbmeb-2472	87	3	resource	resource	NOUN
ajbmeb-2472	87	4	]	]	PUNCT
ajbmeb-2472	88	1	.	.	PUNCT
ajbmeb-2472	88	2	url	url	PROPN
ajbmeb-2472	88	3	:	:	PUNCT
ajbmeb-2472	88	4	https://esj.today/pdf/08ecvn119.pdf	https://esj.today/pdf/08ecvn119.pdf	NOUN
ajbmeb-2472	88	5	.	.	PUNCT
ajbmeb-2472	89	1	5	5	X
ajbmeb-2472	89	2	.	.	X
ajbmeb-2472	89	3	vyskachkina	vyskachkina	PROPN
ajbmeb-2472	89	4	o.a	o.a	PROPN
ajbmeb-2472	89	5	.	.	PROPN
ajbmeb-2472	89	6	,	,	PUNCT
ajbmeb-2472	89	7	dubova	dubova	VERB
ajbmeb-2472	89	8	s.e	s.e	PROPN
ajbmeb-2472	89	9	.	.	PROPN
ajbmeb-2472	89	10	methodology	methodology	NOUN
ajbmeb-2472	89	11	for	for	ADP
ajbmeb-2472	89	12	assessing	assess	VERB
ajbmeb-2472	89	13	the	the	DET
ajbmeb-2472	89	14	effectiveness	effectiveness	NOUN
ajbmeb-2472	89	15	of	of	ADP
ajbmeb-2472	89	16	a	a	DET
ajbmeb-2472	89	17	regional	regional	ADJ
ajbmeb-2472	89	18	bank	bank	PROPN
ajbmeb-2472	89	19	//	//	PROPN
ajbmeb-2472	89	20	news	news	PROPN
ajbmeb-2472	89	21	of	of	ADP
ajbmeb-2472	89	22	higher	high	ADJ
ajbmeb-2472	89	23	educational	educational	ADJ
ajbmeb-2472	89	24	institutions	institution	NOUN
ajbmeb-2472	89	25	.	.	PUNCT
ajbmeb-2472	90	1	series	series	NOUN
ajbmeb-2472	90	2	:	:	PUNCT
ajbmeb-2472	90	3	economics	economic	NOUN
ajbmeb-2472	90	4	,	,	PUNCT
ajbmeb-2472	90	5	finance	finance	NOUN
ajbmeb-2472	90	6	and	and	CCONJ
ajbmeb-2472	90	7	production	production	NOUN
ajbmeb-2472	90	8	management	management	NOUN
ajbmeb-2472	90	9	.	.	PUNCT
ajbmeb-2472	91	1	2011	2011	NUM
ajbmeb-2472	91	2	.	.	PUNCT
ajbmeb-2472	92	1	no	no	INTJ
ajbmeb-2472	92	2	.	.	NOUN
ajbmeb-2472	93	1	2	2	X
ajbmeb-2472	93	2	.	.	X
ajbmeb-2472	93	3	p.21–27	p.21–27	PROPN
ajbmeb-2472	93	4	.	.	PUNCT
ajbmeb-2472	94	1	6	6	X
ajbmeb-2472	94	2	.	.	X
ajbmeb-2472	94	3	aslanov	aslanov	PROPN
ajbmeb-2472	94	4	d.i	d.i	PROPN
ajbmeb-2472	94	5	.	.	PROPN
ajbmeb-2472	94	6	,	,	PUNCT
ajbmeb-2472	94	7	smolina	smolina	VERB
ajbmeb-2472	94	8	e.p	e.p	PROPN
ajbmeb-2472	94	9	.	.	PROPN
ajbmeb-2472	94	10	,	,	PUNCT
ajbmeb-2472	94	11	antonov	antonov	PROPN
ajbmeb-2472	94	12	e.t	e.t	PROPN
ajbmeb-2472	94	13	.	.	PROPN
ajbmeb-2472	94	14	,	,	PUNCT
ajbmeb-2472	94	15	golubova	golubova	PROPN
ajbmeb-2472	94	16	m.i	m.i	AUX
ajbmeb-2472	94	17	.	.	PROPN
ajbmeb-2472	94	18	improving	improve	VERB
ajbmeb-2472	94	19	the	the	DET
ajbmeb-2472	94	20	methodology	methodology	NOUN
ajbmeb-2472	94	21	for	for	ADP
ajbmeb-2472	94	22	assessing	assess	VERB
ajbmeb-2472	94	23	the	the	DET
ajbmeb-2472	94	24	effectiveness	effectiveness	NOUN
ajbmeb-2472	94	25	of	of	ADP
ajbmeb-2472	94	26	a	a	DET
ajbmeb-2472	94	27	commercial	commercial	ADJ
ajbmeb-2472	94	28	bank	bank	NOUN
ajbmeb-2472	94	29	branch	branch	PROPN
ajbmeb-2472	94	30	//	//	NUM
ajbmeb-2472	94	31	fundamental	fundamental	ADJ
ajbmeb-2472	94	32	research	research	NOUN
ajbmeb-2472	94	33	.	.	PUNCT
ajbmeb-2472	95	1	2023	2023	NUM
ajbmeb-2472	95	2	.	.	PUNCT
ajbmeb-2472	96	1	no.1	no.1	X
ajbmeb-2472	96	2	.	.	PUNCT
ajbmeb-2472	97	1	p.	p.	NOUN
ajbmeb-2472	97	2	7	7	NUM
ajbmeb-2472	97	3	-	-	SYM
ajbmeb-2472	97	4	14	14	NUM
ajbmeb-2472	97	5	;	;	PUNCT
ajbmeb-2472	97	6	url	url	PROPN
ajbmeb-2472	97	7	:	:	PUNCT
ajbmeb-2472	97	8	https://fundamental-research.ru/ru/article/view?id=43413	https://fundamental-research.ru/ru/article/view?id=43413	PROPN
ajbmeb-2472	97	9	.	.	PROPN
ajbmeb-2472	98	1	7	7	X
ajbmeb-2472	98	2	.	.	X
ajbmeb-2472	98	3	burgstaller	burgstaller	NOUN
ajbmeb-2472	98	4	,	,	PUNCT
ajbmeb-2472	98	5	j.	j.	PROPN
ajbmeb-2472	98	6	(	(	PUNCT
ajbmeb-2472	98	7	2013	2013	NUM
ajbmeb-2472	98	8	)	)	PUNCT
ajbmeb-2472	98	9	,	,	PUNCT
ajbmeb-2472	98	10	“	"	PUNCT
ajbmeb-2472	98	11	bank	bank	NOUN
ajbmeb-2472	98	12	office	office	NOUN
ajbmeb-2472	98	13	outreach	outreach	NOUN
ajbmeb-2472	98	14	,	,	PUNCT
ajbmeb-2472	98	15	structure	structure	NOUN
ajbmeb-2472	98	16	and	and	CCONJ
ajbmeb-2472	98	17	performance	performance	NOUN
ajbmeb-2472	98	18	in	in	ADP
ajbmeb-2472	98	19	regional	regional	ADJ
ajbmeb-2472	98	20	banking	banking	NOUN
ajbmeb-2472	98	21	markets	market	NOUN
ajbmeb-2472	98	22	”	"	PUNCT
ajbmeb-2472	98	23	,	,	PUNCT
ajbmeb-2472	98	24	regional	regional	ADJ
ajbmeb-2472	98	25	studies	study	NOUN
ajbmeb-2472	98	26	,	,	PUNCT
ajbmeb-2472	98	27	vol	vol	NOUN
ajbmeb-2472	98	28	.	.	PUNCT
ajbmeb-2472	99	1	47	47	NUM
ajbmeb-2472	99	2	no	no	NOUN
ajbmeb-2472	99	3	.	.	NOUN
ajbmeb-2472	100	1	7	7	NUM
ajbmeb-2472	100	2	,	,	PUNCT
ajbmeb-2472	100	3	p.	p.	NOUN
ajbmeb-2472	100	4	1131	1131	NUM
ajbmeb-2472	100	5	-	-	SYM
ajbmeb-2472	100	6	1155	1155	NUM
ajbmeb-2472	100	7	.	.	PUNCT
ajbmeb-2472	101	1	8	8	X
ajbmeb-2472	101	2	.	.	X
ajbmeb-2472	102	1	liu	liu	PROPN
ajbmeb-2472	102	2	,	,	PUNCT
ajbmeb-2472	102	3	m.	m.	PROPN
ajbmeb-2472	102	4	f.	f.	PROPN
ajbmeb-2472	102	5	,	,	PUNCT
ajbmeb-2472	102	6	&	&	CCONJ
ajbmeb-2472	102	7	wang	wang	PROPN
ajbmeb-2472	102	8	,	,	PUNCT
ajbmeb-2472	102	9	q.	q.	PROPN
ajbmeb-2472	102	10	(	(	PUNCT
ajbmeb-2472	102	11	2019	2019	NUM
ajbmeb-2472	102	12	)	)	PUNCT
ajbmeb-2472	102	13	.	.	PUNCT
ajbmeb-2472	103	1	the	the	DET
ajbmeb-2472	103	2	impact	impact	NOUN
ajbmeb-2472	103	3	of	of	ADP
ajbmeb-2472	103	4	financial	financial	ADJ
ajbmeb-2472	103	5	technology	technology	NOUN
ajbmeb-2472	103	6	on	on	ADP
ajbmeb-2472	103	7	commercial	commercial	ADJ
ajbmeb-2472	103	8	bank	bank	NOUN
ajbmeb-2472	103	9	’s	’s	PART
ajbmeb-2472	103	10	performance	performance	NOUN
ajbmeb-2472	103	11	:	:	PUNCT
ajbmeb-2472	103	12	a	a	DET
ajbmeb-2472	103	13	theoretical	theoretical	ADJ
ajbmeb-2472	103	14	and	and	CCONJ
ajbmeb-2472	103	15	empirical	empirical	ADJ
ajbmeb-2472	103	16	study	study	NOUN
ajbmeb-2472	103	17	.	.	PUNCT
ajbmeb-2472	104	1	financial	financial	PROPN
ajbmeb-2472	104	2	forum	forum	PROPN
ajbmeb-2472	104	3	,	,	PUNCT
ajbmeb-2472	104	4	26	26	NUM
ajbmeb-2472	104	5	,	,	PUNCT
ajbmeb-2472	104	6	60	60	NUM
ajbmeb-2472	104	7	-	-	SYM
ajbmeb-2472	104	8	70	70	NUM
ajbmeb-2472	104	9	.	.	PUNCT
ajbmeb-2472	105	1	9	9	NUM
ajbmeb-2472	105	2	.	.	X
ajbmeb-2472	105	3	pyatkov	pyatkov	PROPN
ajbmeb-2472	105	4	a.	a.	NOUN
ajbmeb-2472	105	5	improving	improve	VERB
ajbmeb-2472	105	6	the	the	DET
ajbmeb-2472	105	7	efficiency	efficiency	NOUN
ajbmeb-2472	105	8	of	of	ADP
ajbmeb-2472	105	9	bank	bank	NOUN
ajbmeb-2472	105	10	activities	activity	NOUN
ajbmeb-2472	105	11	:	:	PUNCT
ajbmeb-2472	105	12	basic	basic	ADJ
ajbmeb-2472	105	13	principles	principle	NOUN
ajbmeb-2472	105	14	and	and	CCONJ
ajbmeb-2472	105	15	directions	direction	NOUN
ajbmeb-2472	105	16	/	/	SYM
ajbmeb-2472	105	17	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-inapravleniya	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-inapravleniya	NOUN
ajbmeb-2472	105	18	10	10	NUM
ajbmeb-2472	105	19	.	.	PUNCT
ajbmeb-2472	106	1	sudarshan	sudarshan	PROPN
ajbmeb-2472	106	2	maity	maity	PROPN
ajbmeb-2472	106	3	,	,	PUNCT
ajbmeb-2472	106	4	tarak	tarak	PROPN
ajbmeb-2472	106	5	nath	nath	PROPN
ajbmeb-2472	106	6	sahu	sahu	PROPN
ajbmeb-2472	106	7	(	(	PUNCT
ajbmeb-2472	106	8	2022	2022	NUM
ajbmeb-2472	106	9	)	)	PUNCT
ajbmeb-2472	106	10	bank	bank	NOUN
ajbmeb-2472	106	11	branch	branch	NOUN
ajbmeb-2472	106	12	outreach	outreach	NOUN
ajbmeb-2472	106	13	and	and	CCONJ
ajbmeb-2472	106	14	access	access	NOUN
ajbmeb-2472	106	15	to	to	ADP
ajbmeb-2472	106	16	banking	banking	NOUN
ajbmeb-2472	106	17	services	service	NOUN
ajbmeb-2472	106	18	toward	toward	ADP
ajbmeb-2472	106	19	financial	financial	ADJ
ajbmeb-2472	106	20	inclusion	inclusion	NOUN
ajbmeb-2472	106	21	:	:	PUNCT
ajbmeb-2472	106	22	an	an	DET
ajbmeb-2472	106	23	experimental	experimental	ADJ
ajbmeb-2472	106	24	evidence	evidence	NOUN
ajbmeb-2472	106	25	/	/	PUNCT
ajbmeb-2472	106	26	https://www.emerald.com/insight/content/doi/10.1108/ramj-01-2022-0004/full/html	https://www.emerald.com/insight/content/doi/10.1108/ramj-01-2022-0004/full/html	PROPN
ajbmeb-2472	107	1	https://lex.uz/docs/4811025	https://lex.uz/docs/4811025	ADP
ajbmeb-2472	107	2	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-i-napravleniya	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-i-napravleniya	NOUN
ajbmeb-2472	107	3	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-i-napravleniya	https://bosfera.ru/bo/povyshenie-effektivnosti-deyatelnosti-banka-osnovnye-principy-i-napravleniya	NOUN
ajbmeb-2472	107	4	https://www.emerald.com/insight/content/doi/10.1108/ramj-01-2022-0004/full/html	https://www.emerald.com/insight/content/doi/10.1108/ramj-01-2022-0004/full/html	PUNCT