id	sid	tid	token	lemma	pos
ajbmeb-2626	1	1	american	american	PROPN
ajbmeb-2626	1	2	journal	journal	PROPN
ajbmeb-2626	1	3	of	of	ADP
ajbmeb-2626	1	4	business	business	NOUN
ajbmeb-2626	1	5	management	management	NOUN
ajbmeb-2626	1	6	,	,	PUNCT
ajbmeb-2626	1	7	economics	economic	NOUN
ajbmeb-2626	1	8	and	and	CCONJ
ajbmeb-2626	1	9	banking	banking	NOUN
ajbmeb-2626	1	10	issn	issn	PROPN
ajbmeb-2626	1	11	(	(	PUNCT
ajbmeb-2626	1	12	e	e	NOUN
ajbmeb-2626	1	13	):	):	PUNCT
ajbmeb-2626	1	14	2832	2832	NUM
ajbmeb-2626	1	15	-	-	SYM
ajbmeb-2626	1	16	8078	8078	NUM
ajbmeb-2626	1	17	volume	volume	NOUN
ajbmeb-2626	1	18	32	32	NUM
ajbmeb-2626	1	19	,	,	PUNCT
ajbmeb-2626	1	20	|	|	ADV
ajbmeb-2626	1	21	january	january	PROPN
ajbmeb-2626	1	22	2025	2025	NUM
ajbmeb-2626	1	23	p	p	NOUN
ajbmeb-2626	1	24	a	a	DET
ajbmeb-2626	1	25	g	g	NOUN
ajbmeb-2626	1	26	e	e	NOUN
ajbmeb-2626	1	27	|	|	ADV
ajbmeb-2626	1	28	17	17	NUM
ajbmeb-2626	1	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	1	30	improving	improve	VERB
ajbmeb-2626	1	31	the	the	DET
ajbmeb-2626	1	32	efficiency	efficiency	NOUN
ajbmeb-2626	1	33	of	of	ADP
ajbmeb-2626	1	34	bank	bank	NOUN
ajbmeb-2626	1	35	assets	asset	NOUN
ajbmeb-2626	1	36	:	:	PUNCT
ajbmeb-2626	1	37	international	international	ADJ
ajbmeb-2626	1	38	experience	experience	NOUN
ajbmeb-2626	1	39	ruziev	ruziev	PROPN
ajbmeb-2626	1	40	bakhtiyor	bakhtiyor	PROPN
ajbmeb-2626	1	41	salimboyevich	salimboyevich	PROPN
ajbmeb-2626	1	42	independent	independent	ADJ
ajbmeb-2626	1	43	researcher	researcher	NOUN
ajbmeb-2626	1	44	of	of	ADP
ajbmeb-2626	1	45	tsue	tsue	PROPN
ajbmeb-2626	1	46	е	е	NOUN
ajbmeb-2626	1	47	-	-	NOUN
ajbmeb-2626	1	48	mail	mail	NOUN
ajbmeb-2626	1	49	:	:	PUNCT
ajbmeb-2626	1	50	baxtishka5199990@yandex.com	baxtishka5199990@yandex.com	X
ajbmeb-2626	2	1	orcid	orcid	NOUN
ajbmeb-2626	2	2	:	:	PUNCT
ajbmeb-2626	2	3	0009	0009	NUM
ajbmeb-2626	2	4	-	-	PUNCT
ajbmeb-2626	2	5	0002	0002	NUM
ajbmeb-2626	2	6	-	-	PUNCT
ajbmeb-2626	2	7	4431	4431	NUM
ajbmeb-2626	2	8	-	-	SYM
ajbmeb-2626	2	9	6659	6659	NUM
ajbmeb-2626	2	10	a	a	DET
ajbmeb-2626	2	11	b	b	PROPN
ajbmeb-2626	2	12	s	s	ADP
ajbmeb-2626	2	13	t	t	PROPN
ajbmeb-2626	2	14	r	r	NOUN
ajbmeb-2626	2	15	a	a	DET
ajbmeb-2626	2	16	c	c	NOUN
ajbmeb-2626	2	17	t	t	NOUN
ajbmeb-2626	2	18	k	k	X
ajbmeb-2626	2	19	e	e	PROPN
ajbmeb-2626	2	20	y	y	PROPN
ajbmeb-2626	2	21	w	w	NOUN
ajbmeb-2626	3	1	o	o	NOUN
ajbmeb-2626	3	2	r	r	NOUN
ajbmeb-2626	3	3	d	d	X
ajbmeb-2626	3	4	s	s	VERB
ajbmeb-2626	3	5	this	this	DET
ajbmeb-2626	3	6	article	article	NOUN
ajbmeb-2626	3	7	analyzes	analyze	VERB
ajbmeb-2626	3	8	the	the	DET
ajbmeb-2626	3	9	advanced	advanced	ADJ
ajbmeb-2626	3	10	experience	experience	NOUN
ajbmeb-2626	3	11	of	of	ADP
ajbmeb-2626	3	12	foreign	foreign	ADJ
ajbmeb-2626	3	13	countries	country	NOUN
ajbmeb-2626	3	14	in	in	ADP
ajbmeb-2626	3	15	improving	improve	VERB
ajbmeb-2626	3	16	the	the	DET
ajbmeb-2626	3	17	efficiency	efficiency	NOUN
ajbmeb-2626	3	18	of	of	ADP
ajbmeb-2626	3	19	bank	bank	NOUN
ajbmeb-2626	3	20	assets	asset	NOUN
ajbmeb-2626	3	21	.	.	PUNCT
ajbmeb-2626	4	1	asset	asset	NOUN
ajbmeb-2626	4	2	management	management	NOUN
ajbmeb-2626	4	3	plays	play	VERB
ajbmeb-2626	4	4	a	a	DET
ajbmeb-2626	4	5	crucial	crucial	ADJ
ajbmeb-2626	4	6	role	role	NOUN
ajbmeb-2626	4	7	in	in	ADP
ajbmeb-2626	4	8	ensuring	ensure	VERB
ajbmeb-2626	4	9	the	the	DET
ajbmeb-2626	4	10	efficiency	efficiency	NOUN
ajbmeb-2626	4	11	of	of	ADP
ajbmeb-2626	4	12	the	the	DET
ajbmeb-2626	4	13	banking	banking	NOUN
ajbmeb-2626	4	14	system	system	NOUN
ajbmeb-2626	4	15	and	and	CCONJ
ajbmeb-2626	4	16	achieving	achieve	VERB
ajbmeb-2626	4	17	financial	financial	ADJ
ajbmeb-2626	4	18	stability	stability	NOUN
ajbmeb-2626	4	19	.	.	PUNCT
ajbmeb-2626	5	1	the	the	DET
ajbmeb-2626	5	2	article	article	NOUN
ajbmeb-2626	5	3	highlights	highlight	VERB
ajbmeb-2626	5	4	the	the	DET
ajbmeb-2626	5	5	approaches	approach	NOUN
ajbmeb-2626	5	6	to	to	ADP
ajbmeb-2626	5	7	introducing	introduce	VERB
ajbmeb-2626	5	8	innovative	innovative	ADJ
ajbmeb-2626	5	9	asset	asset	NOUN
ajbmeb-2626	5	10	management	management	NOUN
ajbmeb-2626	5	11	mechanisms	mechanism	NOUN
ajbmeb-2626	5	12	in	in	ADP
ajbmeb-2626	5	13	developed	develop	VERB
ajbmeb-2626	5	14	countries	country	NOUN
ajbmeb-2626	5	15	such	such	ADJ
ajbmeb-2626	5	16	as	as	ADP
ajbmeb-2626	5	17	the	the	DET
ajbmeb-2626	5	18	usa	usa	PROPN
ajbmeb-2626	5	19	,	,	PUNCT
ajbmeb-2626	5	20	the	the	DET
ajbmeb-2626	5	21	european	european	PROPN
ajbmeb-2626	5	22	union	union	PROPN
ajbmeb-2626	5	23	,	,	PUNCT
ajbmeb-2626	5	24	japan	japan	PROPN
ajbmeb-2626	5	25	,	,	PUNCT
ajbmeb-2626	5	26	and	and	CCONJ
ajbmeb-2626	5	27	south	south	PROPN
ajbmeb-2626	5	28	korea	korea	PROPN
ajbmeb-2626	5	29	.	.	PUNCT
ajbmeb-2626	6	1	this	this	DET
ajbmeb-2626	6	2	experience	experience	NOUN
ajbmeb-2626	6	3	can	can	AUX
ajbmeb-2626	6	4	offer	offer	VERB
ajbmeb-2626	6	5	new	new	ADJ
ajbmeb-2626	6	6	opportunities	opportunity	NOUN
ajbmeb-2626	6	7	for	for	ADP
ajbmeb-2626	6	8	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	6	9	's	's	PART
ajbmeb-2626	6	10	banking	banking	NOUN
ajbmeb-2626	6	11	system	system	NOUN
ajbmeb-2626	6	12	and	and	CCONJ
ajbmeb-2626	6	13	have	have	VERB
ajbmeb-2626	6	14	practical	practical	ADJ
ajbmeb-2626	6	15	significance	significance	NOUN
ajbmeb-2626	6	16	in	in	ADP
ajbmeb-2626	6	17	increasing	increase	VERB
ajbmeb-2626	6	18	the	the	DET
ajbmeb-2626	6	19	profitability	profitability	NOUN
ajbmeb-2626	6	20	of	of	ADP
ajbmeb-2626	6	21	local	local	ADJ
ajbmeb-2626	6	22	banks	bank	NOUN
ajbmeb-2626	6	23	.	.	PUNCT
ajbmeb-2626	7	1	the	the	DET
ajbmeb-2626	7	2	study	study	NOUN
ajbmeb-2626	7	3	is	be	AUX
ajbmeb-2626	7	4	based	base	VERB
ajbmeb-2626	7	5	on	on	ADP
ajbmeb-2626	7	6	international	international	ADJ
ajbmeb-2626	7	7	statistical	statistical	ADJ
ajbmeb-2626	7	8	data	datum	NOUN
ajbmeb-2626	7	9	and	and	CCONJ
ajbmeb-2626	7	10	proposes	propose	VERB
ajbmeb-2626	7	11	prospects	prospect	NOUN
ajbmeb-2626	7	12	and	and	CCONJ
ajbmeb-2626	7	13	mechanisms	mechanism	NOUN
ajbmeb-2626	7	14	for	for	ADP
ajbmeb-2626	7	15	applying	apply	VERB
ajbmeb-2626	7	16	advanced	advanced	ADJ
ajbmeb-2626	7	17	foreign	foreign	ADJ
ajbmeb-2626	7	18	practices	practice	NOUN
ajbmeb-2626	7	19	to	to	ADP
ajbmeb-2626	7	20	the	the	DET
ajbmeb-2626	7	21	national	national	ADJ
ajbmeb-2626	7	22	banking	banking	NOUN
ajbmeb-2626	7	23	system	system	NOUN
ajbmeb-2626	7	24	.	.	PUNCT
ajbmeb-2626	8	1	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	8	2	,	,	PUNCT
ajbmeb-2626	8	3	bank	bank	NOUN
ajbmeb-2626	8	4	,	,	PUNCT
ajbmeb-2626	8	5	bank	bank	NOUN
ajbmeb-2626	8	6	assets	asset	NOUN
ajbmeb-2626	8	7	,	,	PUNCT
ajbmeb-2626	8	8	asset	asset	NOUN
ajbmeb-2626	8	9	profitability	profitability	NOUN
ajbmeb-2626	8	10	,	,	PUNCT
ajbmeb-2626	8	11	profit	profit	NOUN
ajbmeb-2626	8	12	,	,	PUNCT
ajbmeb-2626	8	13	asset	asset	NOUN
ajbmeb-2626	8	14	quality	quality	NOUN
ajbmeb-2626	8	15	,	,	PUNCT
ajbmeb-2626	8	16	financial	financial	ADJ
ajbmeb-2626	8	17	stability	stability	NOUN
ajbmeb-2626	8	18	.	.	PUNCT
ajbmeb-2626	9	1	introduction	introduction	NOUN
ajbmeb-2626	9	2	in	in	ADP
ajbmeb-2626	9	3	today	today	NOUN
ajbmeb-2626	9	4	's	's	PART
ajbmeb-2626	9	5	global	global	ADJ
ajbmeb-2626	9	6	economy	economy	NOUN
ajbmeb-2626	9	7	,	,	PUNCT
ajbmeb-2626	9	8	banks	bank	NOUN
ajbmeb-2626	9	9	retain	retain	VERB
ajbmeb-2626	9	10	their	their	PRON
ajbmeb-2626	9	11	place	place	NOUN
ajbmeb-2626	9	12	as	as	ADP
ajbmeb-2626	9	13	the	the	DET
ajbmeb-2626	9	14	main	main	ADJ
ajbmeb-2626	9	15	link	link	NOUN
ajbmeb-2626	9	16	of	of	ADP
ajbmeb-2626	9	17	the	the	DET
ajbmeb-2626	9	18	financial	financial	ADJ
ajbmeb-2626	9	19	system	system	NOUN
ajbmeb-2626	9	20	.	.	PUNCT
ajbmeb-2626	10	1	they	they	PRON
ajbmeb-2626	10	2	perform	perform	VERB
ajbmeb-2626	10	3	tasks	task	NOUN
ajbmeb-2626	10	4	such	such	ADJ
ajbmeb-2626	10	5	as	as	ADP
ajbmeb-2626	10	6	stabilization	stabilization	NOUN
ajbmeb-2626	10	7	of	of	ADP
ajbmeb-2626	10	8	financial	financial	ADJ
ajbmeb-2626	10	9	markets	market	NOUN
ajbmeb-2626	10	10	,	,	PUNCT
ajbmeb-2626	10	11	financing	financing	NOUN
ajbmeb-2626	10	12	of	of	ADP
ajbmeb-2626	10	13	investment	investment	NOUN
ajbmeb-2626	10	14	projects	project	NOUN
ajbmeb-2626	10	15	,	,	PUNCT
ajbmeb-2626	10	16	and	and	CCONJ
ajbmeb-2626	10	17	meeting	meet	VERB
ajbmeb-2626	10	18	the	the	DET
ajbmeb-2626	10	19	financial	financial	ADJ
ajbmeb-2626	10	20	needs	need	NOUN
ajbmeb-2626	10	21	of	of	ADP
ajbmeb-2626	10	22	the	the	DET
ajbmeb-2626	10	23	population	population	NOUN
ajbmeb-2626	10	24	.	.	PUNCT
ajbmeb-2626	11	1	however	however	ADV
ajbmeb-2626	11	2	,	,	PUNCT
ajbmeb-2626	11	3	to	to	PART
ajbmeb-2626	11	4	ensure	ensure	VERB
ajbmeb-2626	11	5	the	the	DET
ajbmeb-2626	11	6	financial	financial	ADJ
ajbmeb-2626	11	7	stability	stability	NOUN
ajbmeb-2626	11	8	and	and	CCONJ
ajbmeb-2626	11	9	profitability	profitability	NOUN
ajbmeb-2626	11	10	of	of	ADP
ajbmeb-2626	11	11	banks	bank	NOUN
ajbmeb-2626	11	12	in	in	ADP
ajbmeb-2626	11	13	modern	modern	ADJ
ajbmeb-2626	11	14	economic	economic	ADJ
ajbmeb-2626	11	15	conditions	condition	NOUN
ajbmeb-2626	11	16	,	,	PUNCT
ajbmeb-2626	11	17	increasing	increase	VERB
ajbmeb-2626	11	18	the	the	DET
ajbmeb-2626	11	19	efficiency	efficiency	NOUN
ajbmeb-2626	11	20	of	of	ADP
ajbmeb-2626	11	21	their	their	PRON
ajbmeb-2626	11	22	assets	asset	NOUN
ajbmeb-2626	11	23	is	be	AUX
ajbmeb-2626	11	24	one	one	NUM
ajbmeb-2626	11	25	of	of	ADP
ajbmeb-2626	11	26	the	the	DET
ajbmeb-2626	11	27	most	most	ADV
ajbmeb-2626	11	28	important	important	ADJ
ajbmeb-2626	11	29	tasks	task	NOUN
ajbmeb-2626	11	30	.	.	PUNCT
ajbmeb-2626	12	1	according	accord	VERB
ajbmeb-2626	12	2	to	to	ADP
ajbmeb-2626	12	3	the	the	DET
ajbmeb-2626	12	4	world	world	PROPN
ajbmeb-2626	12	5	bank	bank	PROPN
ajbmeb-2626	12	6	,	,	PUNCT
ajbmeb-2626	12	7	the	the	DET
ajbmeb-2626	12	8	total	total	ADJ
ajbmeb-2626	12	9	value	value	NOUN
ajbmeb-2626	12	10	of	of	ADP
ajbmeb-2626	12	11	assets	asset	NOUN
ajbmeb-2626	12	12	in	in	ADP
ajbmeb-2626	12	13	the	the	DET
ajbmeb-2626	12	14	us	us	PROPN
ajbmeb-2626	12	15	financial	financial	ADJ
ajbmeb-2626	12	16	sector	sector	NOUN
ajbmeb-2626	12	17	in	in	ADP
ajbmeb-2626	12	18	2023	2023	NUM
ajbmeb-2626	12	19	was	be	AUX
ajbmeb-2626	12	20	27.7	27.7	NUM
ajbmeb-2626	12	21	trillion	trillion	NUM
ajbmeb-2626	12	22	us	us	PROPN
ajbmeb-2626	12	23	dollars	dollar	NOUN
ajbmeb-2626	12	24	,	,	PUNCT
ajbmeb-2626	12	25	which	which	PRON
ajbmeb-2626	12	26	is	be	AUX
ajbmeb-2626	12	27	22	22	NUM
ajbmeb-2626	12	28	%	%	NOUN
ajbmeb-2626	12	29	of	of	ADP
ajbmeb-2626	12	30	the	the	DET
ajbmeb-2626	12	31	total	total	ADJ
ajbmeb-2626	12	32	assets	asset	NOUN
ajbmeb-2626	12	33	in	in	ADP
ajbmeb-2626	12	34	the	the	DET
ajbmeb-2626	12	35	entire	entire	ADJ
ajbmeb-2626	12	36	world	world	NOUN
ajbmeb-2626	12	37	economic	economic	ADJ
ajbmeb-2626	12	38	system	system	NOUN
ajbmeb-2626	12	39	[	[	X
ajbmeb-2626	12	40	1	1	NUM
ajbmeb-2626	12	41	]	]	PUNCT
ajbmeb-2626	12	42	.	.	PUNCT
ajbmeb-2626	13	1	at	at	ADP
ajbmeb-2626	13	2	the	the	DET
ajbmeb-2626	13	3	same	same	ADJ
ajbmeb-2626	13	4	time	time	NOUN
ajbmeb-2626	13	5	,	,	PUNCT
ajbmeb-2626	13	6	the	the	DET
ajbmeb-2626	13	7	assets	asset	NOUN
ajbmeb-2626	13	8	of	of	ADP
ajbmeb-2626	13	9	banks	bank	NOUN
ajbmeb-2626	13	10	in	in	ADP
ajbmeb-2626	13	11	the	the	DET
ajbmeb-2626	13	12	european	european	PROPN
ajbmeb-2626	13	13	union	union	PROPN
ajbmeb-2626	13	14	will	will	AUX
ajbmeb-2626	13	15	amount	amount	VERB
ajbmeb-2626	13	16	to	to	ADP
ajbmeb-2626	13	17	33.5	33.5	NUM
ajbmeb-2626	13	18	trillion	trillion	NUM
ajbmeb-2626	13	19	euros	euro	NOUN
ajbmeb-2626	13	20	at	at	ADP
ajbmeb-2626	13	21	the	the	DET
ajbmeb-2626	13	22	end	end	NOUN
ajbmeb-2626	13	23	of	of	ADP
ajbmeb-2626	13	24	2022	2022	NUM
ajbmeb-2626	13	25	and	and	CCONJ
ajbmeb-2626	13	26	remain	remain	VERB
ajbmeb-2626	13	27	one	one	NUM
ajbmeb-2626	13	28	of	of	ADP
ajbmeb-2626	13	29	the	the	DET
ajbmeb-2626	13	30	largest	large	ADJ
ajbmeb-2626	13	31	banking	banking	NOUN
ajbmeb-2626	13	32	systems	system	NOUN
ajbmeb-2626	13	33	in	in	ADP
ajbmeb-2626	13	34	the	the	DET
ajbmeb-2626	13	35	world	world	NOUN
ajbmeb-2626	14	1	[	[	X
ajbmeb-2626	14	2	2	2	NUM
ajbmeb-2626	14	3	]	]	PUNCT
ajbmeb-2626	14	4	.	.	PUNCT
ajbmeb-2626	15	1	in	in	ADP
ajbmeb-2626	15	2	addition	addition	NOUN
ajbmeb-2626	15	3	,	,	PUNCT
ajbmeb-2626	15	4	banks	bank	NOUN
ajbmeb-2626	15	5	in	in	ADP
ajbmeb-2626	15	6	countries	country	NOUN
ajbmeb-2626	15	7	such	such	ADJ
ajbmeb-2626	15	8	as	as	ADP
ajbmeb-2626	15	9	japan	japan	PROPN
ajbmeb-2626	15	10	and	and	CCONJ
ajbmeb-2626	15	11	south	south	PROPN
ajbmeb-2626	15	12	korea	korea	PROPN
ajbmeb-2626	15	13	stand	stand	VERB
ajbmeb-2626	15	14	out	out	ADP
ajbmeb-2626	15	15	with	with	ADP
ajbmeb-2626	15	16	their	their	PRON
ajbmeb-2626	15	17	innovative	innovative	ADJ
ajbmeb-2626	15	18	approach	approach	NOUN
ajbmeb-2626	15	19	to	to	ADP
ajbmeb-2626	15	20	asset	asset	NOUN
ajbmeb-2626	15	21	management	management	NOUN
ajbmeb-2626	15	22	.	.	PUNCT
ajbmeb-2626	16	1	in	in	ADP
ajbmeb-2626	16	2	2023	2023	NUM
ajbmeb-2626	16	3	,	,	PUNCT
ajbmeb-2626	16	4	total	total	ADJ
ajbmeb-2626	16	5	assets	asset	NOUN
ajbmeb-2626	16	6	in	in	ADP
ajbmeb-2626	16	7	the	the	DET
ajbmeb-2626	16	8	banking	banking	NOUN
ajbmeb-2626	16	9	system	system	NOUN
ajbmeb-2626	16	10	of	of	ADP
ajbmeb-2626	16	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	16	12	exceeded	exceed	VERB
ajbmeb-2626	16	13	700	700	NUM
ajbmeb-2626	16	14	trillion	trillion	NUM
ajbmeb-2626	16	15	soums	soum	NOUN
ajbmeb-2626	16	16	,	,	PUNCT
ajbmeb-2626	16	17	which	which	PRON
ajbmeb-2626	16	18	indicates	indicate	VERB
ajbmeb-2626	16	19	a	a	DET
ajbmeb-2626	16	20	significant	significant	ADJ
ajbmeb-2626	16	21	increase	increase	NOUN
ajbmeb-2626	16	22	among	among	ADP
ajbmeb-2626	16	23	developing	develop	VERB
ajbmeb-2626	16	24	countries	country	NOUN
ajbmeb-2626	16	25	[	[	X
ajbmeb-2626	16	26	3	3	NUM
ajbmeb-2626	16	27	]	]	PUNCT
ajbmeb-2626	16	28	.	.	PUNCT
ajbmeb-2626	17	1	however	however	ADV
ajbmeb-2626	17	2	,	,	PUNCT
ajbmeb-2626	17	3	to	to	PART
ajbmeb-2626	17	4	further	far	ADV
ajbmeb-2626	17	5	increase	increase	VERB
ajbmeb-2626	17	6	financial	financial	ADJ
ajbmeb-2626	17	7	efficiency	efficiency	NOUN
ajbmeb-2626	17	8	and	and	CCONJ
ajbmeb-2626	17	9	meet	meet	VERB
ajbmeb-2626	17	10	international	international	ADJ
ajbmeb-2626	17	11	standards	standard	NOUN
ajbmeb-2626	17	12	,	,	PUNCT
ajbmeb-2626	17	13	it	it	PRON
ajbmeb-2626	17	14	is	be	AUX
ajbmeb-2626	17	15	necessary	necessary	ADJ
ajbmeb-2626	17	16	to	to	PART
ajbmeb-2626	17	17	study	study	VERB
ajbmeb-2626	17	18	and	and	CCONJ
ajbmeb-2626	17	19	apply	apply	VERB
ajbmeb-2626	17	20	foreign	foreign	ADJ
ajbmeb-2626	17	21	experience	experience	NOUN
ajbmeb-2626	17	22	.	.	PUNCT
ajbmeb-2626	18	1	this	this	DET
ajbmeb-2626	18	2	article	article	NOUN
ajbmeb-2626	18	3	analyzes	analyze	VERB
ajbmeb-2626	18	4	the	the	DET
ajbmeb-2626	18	5	advanced	advanced	ADJ
ajbmeb-2626	18	6	practices	practice	NOUN
ajbmeb-2626	18	7	of	of	ADP
ajbmeb-2626	18	8	banks	bank	NOUN
ajbmeb-2626	18	9	of	of	ADP
ajbmeb-2626	18	10	foreign	foreign	ADJ
ajbmeb-2626	18	11	countries	country	NOUN
ajbmeb-2626	18	12	in	in	ADP
ajbmeb-2626	18	13	increasing	increase	VERB
ajbmeb-2626	18	14	asset	asset	NOUN
ajbmeb-2626	18	15	efficiency	efficiency	NOUN
ajbmeb-2626	18	16	and	and	CCONJ
ajbmeb-2626	18	17	pays	pay	VERB
ajbmeb-2626	18	18	special	special	ADJ
ajbmeb-2626	18	19	attention	attention	NOUN
ajbmeb-2626	18	20	to	to	ADP
ajbmeb-2626	18	21	their	their	PRON
ajbmeb-2626	18	22	importance	importance	NOUN
ajbmeb-2626	18	23	and	and	CCONJ
ajbmeb-2626	18	24	practical	practical	ADJ
ajbmeb-2626	18	25	application	application	NOUN
ajbmeb-2626	18	26	for	for	ADP
ajbmeb-2626	18	27	commercial	commercial	ADJ
ajbmeb-2626	18	28	banks	bank	NOUN
ajbmeb-2626	18	29	of	of	ADP
ajbmeb-2626	18	30	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	18	31	.	.	PUNCT
ajbmeb-2626	19	1	in	in	ADP
ajbmeb-2626	19	2	this	this	DET
ajbmeb-2626	19	3	way	way	NOUN
ajbmeb-2626	19	4	,	,	PUNCT
ajbmeb-2626	19	5	the	the	DET
ajbmeb-2626	19	6	possibility	possibility	NOUN
ajbmeb-2626	19	7	of	of	ADP
ajbmeb-2626	19	8	implementing	implement	VERB
ajbmeb-2626	19	9	innovative	innovative	ADJ
ajbmeb-2626	19	10	approaches	approach	NOUN
ajbmeb-2626	19	11	in	in	ADP
ajbmeb-2626	19	12	the	the	DET
ajbmeb-2626	19	13	local	local	ADJ
ajbmeb-2626	19	14	banking	banking	NOUN
ajbmeb-2626	19	15	american	american	PROPN
ajbmeb-2626	19	16	journal	journal	PROPN
ajbmeb-2626	19	17	of	of	ADP
ajbmeb-2626	19	18	business	business	NOUN
ajbmeb-2626	19	19	management	management	NOUN
ajbmeb-2626	19	20	,	,	PUNCT
ajbmeb-2626	19	21	economics	economic	NOUN
ajbmeb-2626	19	22	and	and	CCONJ
ajbmeb-2626	19	23	banking	banking	NOUN
ajbmeb-2626	19	24	volume	volume	NOUN
ajbmeb-2626	19	25	32	32	NUM
ajbmeb-2626	19	26	january	january	PROPN
ajbmeb-2626	19	27	2025	2025	NUM
ajbmeb-2626	19	28	p	p	NOUN
ajbmeb-2626	19	29	a	a	DET
ajbmeb-2626	19	30	g	g	NOUN
ajbmeb-2626	19	31	e	e	NOUN
ajbmeb-2626	19	32	|	|	ADV
ajbmeb-2626	19	33	18	18	NUM
ajbmeb-2626	19	34	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	19	35	system	system	NOUN
ajbmeb-2626	19	36	will	will	AUX
ajbmeb-2626	19	37	be	be	AUX
ajbmeb-2626	19	38	considered	consider	VERB
ajbmeb-2626	19	39	.	.	PUNCT
ajbmeb-2626	20	1	material	material	NOUN
ajbmeb-2626	20	2	and	and	CCONJ
ajbmeb-2626	20	3	method	method	NOUN
ajbmeb-2626	20	4	improving	improve	VERB
ajbmeb-2626	20	5	the	the	DET
ajbmeb-2626	20	6	quality	quality	NOUN
ajbmeb-2626	20	7	and	and	CCONJ
ajbmeb-2626	20	8	efficiency	efficiency	NOUN
ajbmeb-2626	20	9	of	of	ADP
ajbmeb-2626	20	10	commercial	commercial	ADJ
ajbmeb-2626	20	11	banks	bank	NOUN
ajbmeb-2626	20	12	'	'	PART
ajbmeb-2626	20	13	assets	asset	NOUN
ajbmeb-2626	20	14	in	in	ADP
ajbmeb-2626	20	15	the	the	DET
ajbmeb-2626	20	16	world	world	NOUN
ajbmeb-2626	20	17	and	and	CCONJ
ajbmeb-2626	20	18	in	in	ADP
ajbmeb-2626	20	19	our	our	PRON
ajbmeb-2626	20	20	country	country	NOUN
ajbmeb-2626	20	21	is	be	AUX
ajbmeb-2626	20	22	one	one	NUM
ajbmeb-2626	20	23	of	of	ADP
ajbmeb-2626	20	24	the	the	DET
ajbmeb-2626	20	25	most	most	ADV
ajbmeb-2626	20	26	important	important	ADJ
ajbmeb-2626	20	27	issues	issue	NOUN
ajbmeb-2626	20	28	,	,	PUNCT
ajbmeb-2626	20	29	the	the	DET
ajbmeb-2626	20	30	article	article	NOUN
ajbmeb-2626	20	31	compares	compare	VERB
ajbmeb-2626	20	32	the	the	DET
ajbmeb-2626	20	33	international	international	ADJ
ajbmeb-2626	20	34	experiences	experience	NOUN
ajbmeb-2626	20	35	of	of	ADP
ajbmeb-2626	20	36	these	these	DET
ajbmeb-2626	20	37	issues	issue	NOUN
ajbmeb-2626	20	38	and	and	CCONJ
ajbmeb-2626	20	39	analyzes	analyze	VERB
ajbmeb-2626	20	40	the	the	DET
ajbmeb-2626	20	41	specific	specific	ADJ
ajbmeb-2626	20	42	features	feature	NOUN
ajbmeb-2626	20	43	of	of	ADP
ajbmeb-2626	20	44	methods	method	NOUN
ajbmeb-2626	20	45	and	and	CCONJ
ajbmeb-2626	20	46	ways	way	NOUN
ajbmeb-2626	20	47	to	to	PART
ajbmeb-2626	20	48	improve	improve	VERB
ajbmeb-2626	20	49	the	the	DET
ajbmeb-2626	20	50	quality	quality	NOUN
ajbmeb-2626	20	51	of	of	ADP
ajbmeb-2626	20	52	assets	asset	NOUN
ajbmeb-2626	20	53	.	.	PUNCT
ajbmeb-2626	21	1	the	the	DET
ajbmeb-2626	21	2	article	article	NOUN
ajbmeb-2626	21	3	uses	use	VERB
ajbmeb-2626	21	4	methods	method	NOUN
ajbmeb-2626	21	5	such	such	ADJ
ajbmeb-2626	21	6	as	as	ADP
ajbmeb-2626	21	7	comparison	comparison	NOUN
ajbmeb-2626	21	8	,	,	PUNCT
ajbmeb-2626	21	9	scientific	scientific	ADJ
ajbmeb-2626	21	10	-	-	PUNCT
ajbmeb-2626	21	11	theoretical	theoretical	ADJ
ajbmeb-2626	21	12	comparison	comparison	NOUN
ajbmeb-2626	21	13	,	,	PUNCT
ajbmeb-2626	21	14	comparison	comparison	NOUN
ajbmeb-2626	21	15	of	of	ADP
ajbmeb-2626	21	16	economic	economic	ADJ
ajbmeb-2626	21	17	analysis	analysis	NOUN
ajbmeb-2626	21	18	,	,	PUNCT
ajbmeb-2626	21	19	and	and	CCONJ
ajbmeb-2626	21	20	logical	logical	ADJ
ajbmeb-2626	21	21	approach	approach	NOUN
ajbmeb-2626	21	22	.	.	PUNCT
ajbmeb-2626	22	1	results	result	NOUN
ajbmeb-2626	22	2	when	when	SCONJ
ajbmeb-2626	22	3	analyzing	analyze	VERB
ajbmeb-2626	22	4	the	the	DET
ajbmeb-2626	22	5	specific	specific	ADJ
ajbmeb-2626	22	6	aspects	aspect	NOUN
ajbmeb-2626	22	7	and	and	CCONJ
ajbmeb-2626	22	8	positive	positive	ADJ
ajbmeb-2626	22	9	aspects	aspect	NOUN
ajbmeb-2626	22	10	of	of	ADP
ajbmeb-2626	22	11	developed	develop	VERB
ajbmeb-2626	22	12	countries	country	NOUN
ajbmeb-2626	22	13	such	such	ADJ
ajbmeb-2626	22	14	as	as	ADP
ajbmeb-2626	22	15	the	the	DET
ajbmeb-2626	22	16	usa	usa	PROPN
ajbmeb-2626	22	17	,	,	PUNCT
ajbmeb-2626	22	18	european	european	PROPN
ajbmeb-2626	22	19	union	union	PROPN
ajbmeb-2626	22	20	,	,	PUNCT
ajbmeb-2626	22	21	japan	japan	PROPN
ajbmeb-2626	22	22	,	,	PUNCT
ajbmeb-2626	22	23	and	and	CCONJ
ajbmeb-2626	22	24	south	south	PROPN
ajbmeb-2626	22	25	korea	korea	PROPN
ajbmeb-2626	22	26	in	in	ADP
ajbmeb-2626	22	27	terms	term	NOUN
ajbmeb-2626	22	28	of	of	ADP
ajbmeb-2626	22	29	increasing	increase	VERB
ajbmeb-2626	22	30	asset	asset	NOUN
ajbmeb-2626	22	31	efficiency	efficiency	NOUN
ajbmeb-2626	22	32	,	,	PUNCT
ajbmeb-2626	22	33	their	their	PRON
ajbmeb-2626	22	34	achievements	achievement	NOUN
ajbmeb-2626	22	35	in	in	ADP
ajbmeb-2626	22	36	the	the	DET
ajbmeb-2626	22	37	financial	financial	ADJ
ajbmeb-2626	22	38	system	system	NOUN
ajbmeb-2626	22	39	deserve	deserve	VERB
ajbmeb-2626	22	40	attention	attention	NOUN
ajbmeb-2626	22	41	.	.	PUNCT
ajbmeb-2626	23	1	us	we	PRON
ajbmeb-2626	23	2	banks	bank	NOUN
ajbmeb-2626	23	3	make	make	VERB
ajbmeb-2626	23	4	extensive	extensive	ADJ
ajbmeb-2626	23	5	use	use	NOUN
ajbmeb-2626	23	6	of	of	ADP
ajbmeb-2626	23	7	innovative	innovative	ADJ
ajbmeb-2626	23	8	technologies	technology	NOUN
ajbmeb-2626	23	9	,	,	PUNCT
ajbmeb-2626	23	10	such	such	ADJ
ajbmeb-2626	23	11	as	as	ADP
ajbmeb-2626	23	12	improved	improve	VERB
ajbmeb-2626	23	13	risk	risk	NOUN
ajbmeb-2626	23	14	management	management	NOUN
ajbmeb-2626	23	15	operations	operation	NOUN
ajbmeb-2626	23	16	through	through	ADP
ajbmeb-2626	23	17	artificial	artificial	ADJ
ajbmeb-2626	23	18	intelligence	intelligence	NOUN
ajbmeb-2626	23	19	and	and	CCONJ
ajbmeb-2626	23	20	big	big	ADJ
ajbmeb-2626	23	21	data	datum	NOUN
ajbmeb-2626	23	22	analysis	analysis	NOUN
ajbmeb-2626	23	23	.	.	PUNCT
ajbmeb-2626	24	1	it	it	PRON
ajbmeb-2626	24	2	also	also	ADV
ajbmeb-2626	24	3	focuses	focus	VERB
ajbmeb-2626	24	4	on	on	ADP
ajbmeb-2626	24	5	asset	asset	NOUN
ajbmeb-2626	24	6	diversification	diversification	NOUN
ajbmeb-2626	24	7	to	to	PART
ajbmeb-2626	24	8	finance	finance	VERB
ajbmeb-2626	24	9	small	small	ADJ
ajbmeb-2626	24	10	and	and	CCONJ
ajbmeb-2626	24	11	medium	medium	ADJ
ajbmeb-2626	24	12	businesses	business	NOUN
ajbmeb-2626	24	13	.	.	PUNCT
ajbmeb-2626	25	1	the	the	DET
ajbmeb-2626	25	2	us	us	PROPN
ajbmeb-2626	25	3	federal	federal	PROPN
ajbmeb-2626	25	4	reserve	reserve	PROPN
ajbmeb-2626	25	5	system	system	NOUN
ajbmeb-2626	25	6	plays	play	VERB
ajbmeb-2626	25	7	an	an	DET
ajbmeb-2626	25	8	important	important	ADJ
ajbmeb-2626	25	9	role	role	NOUN
ajbmeb-2626	25	10	in	in	ADP
ajbmeb-2626	25	11	maintaining	maintain	VERB
ajbmeb-2626	25	12	the	the	DET
ajbmeb-2626	25	13	liquidity	liquidity	NOUN
ajbmeb-2626	25	14	of	of	ADP
ajbmeb-2626	25	15	banks	bank	NOUN
ajbmeb-2626	25	16	.	.	PUNCT
ajbmeb-2626	26	1	it	it	PRON
ajbmeb-2626	26	2	is	be	AUX
ajbmeb-2626	26	3	noted	note	VERB
ajbmeb-2626	26	4	that	that	SCONJ
ajbmeb-2626	26	5	the	the	DET
ajbmeb-2626	26	6	total	total	ADJ
ajbmeb-2626	26	7	assets	asset	NOUN
ajbmeb-2626	26	8	of	of	ADP
ajbmeb-2626	26	9	the	the	DET
ajbmeb-2626	26	10	us	us	PROPN
ajbmeb-2626	26	11	banking	banking	NOUN
ajbmeb-2626	26	12	sector	sector	NOUN
ajbmeb-2626	26	13	reached	reach	VERB
ajbmeb-2626	26	14	27.7	27.7	NUM
ajbmeb-2626	26	15	trillion	trillion	NUM
ajbmeb-2626	26	16	dollars	dollar	NOUN
ajbmeb-2626	26	17	[	[	X
ajbmeb-2626	26	18	4	4	NUM
ajbmeb-2626	26	19	]	]	PUNCT
ajbmeb-2626	26	20	.	.	PUNCT
ajbmeb-2626	27	1	banks	bank	NOUN
ajbmeb-2626	27	2	of	of	ADP
ajbmeb-2626	27	3	the	the	DET
ajbmeb-2626	27	4	european	european	PROPN
ajbmeb-2626	27	5	union	union	PROPN
ajbmeb-2626	27	6	are	be	AUX
ajbmeb-2626	27	7	regulated	regulate	VERB
ajbmeb-2626	27	8	according	accord	VERB
ajbmeb-2626	27	9	to	to	ADP
ajbmeb-2626	27	10	basel	basel	PROPN
ajbmeb-2626	27	11	standards	standard	NOUN
ajbmeb-2626	27	12	,	,	PUNCT
ajbmeb-2626	27	13	which	which	PRON
ajbmeb-2626	27	14	ensures	ensure	VERB
ajbmeb-2626	27	15	their	their	PRON
ajbmeb-2626	27	16	stability	stability	NOUN
ajbmeb-2626	27	17	.	.	PUNCT
ajbmeb-2626	28	1	attention	attention	NOUN
ajbmeb-2626	28	2	is	be	AUX
ajbmeb-2626	28	3	paid	pay	VERB
ajbmeb-2626	28	4	to	to	ADP
ajbmeb-2626	28	5	"	"	PUNCT
ajbmeb-2626	28	6	green	green	ADJ
ajbmeb-2626	28	7	financing	financing	NOUN
ajbmeb-2626	28	8	"	"	PUNCT
ajbmeb-2626	28	9	projects	project	NOUN
ajbmeb-2626	28	10	based	base	VERB
ajbmeb-2626	28	11	on	on	ADP
ajbmeb-2626	28	12	sustainable	sustainable	ADJ
ajbmeb-2626	28	13	development	development	NOUN
ajbmeb-2626	28	14	goals	goal	NOUN
ajbmeb-2626	28	15	.	.	PUNCT
ajbmeb-2626	29	1	the	the	DET
ajbmeb-2626	29	2	total	total	ADJ
ajbmeb-2626	29	3	assets	asset	NOUN
ajbmeb-2626	29	4	of	of	ADP
ajbmeb-2626	29	5	the	the	DET
ajbmeb-2626	29	6	european	european	ADJ
ajbmeb-2626	29	7	banking	banking	NOUN
ajbmeb-2626	29	8	system	system	NOUN
ajbmeb-2626	29	9	amount	amount	NOUN
ajbmeb-2626	29	10	to	to	ADP
ajbmeb-2626	29	11	33.5	33.5	NUM
ajbmeb-2626	29	12	trillion	trillion	NUM
ajbmeb-2626	29	13	euros	euro	NOUN
ajbmeb-2626	29	14	,	,	PUNCT
ajbmeb-2626	29	15	which	which	PRON
ajbmeb-2626	29	16	is	be	AUX
ajbmeb-2626	29	17	an	an	DET
ajbmeb-2626	29	18	important	important	ADJ
ajbmeb-2626	29	19	part	part	NOUN
ajbmeb-2626	29	20	of	of	ADP
ajbmeb-2626	29	21	the	the	DET
ajbmeb-2626	29	22	global	global	ADJ
ajbmeb-2626	29	23	financial	financial	ADJ
ajbmeb-2626	29	24	market	market	NOUN
ajbmeb-2626	29	25	[	[	X
ajbmeb-2626	29	26	5	5	NUM
ajbmeb-2626	29	27	]	]	PUNCT
ajbmeb-2626	29	28	.	.	PUNCT
ajbmeb-2626	30	1	japanese	japanese	ADJ
ajbmeb-2626	30	2	banks	bank	NOUN
ajbmeb-2626	30	3	use	use	VERB
ajbmeb-2626	30	4	a	a	DET
ajbmeb-2626	30	5	conservative	conservative	ADJ
ajbmeb-2626	30	6	management	management	NOUN
ajbmeb-2626	30	7	model	model	NOUN
ajbmeb-2626	30	8	and	and	CCONJ
ajbmeb-2626	30	9	minimize	minimize	VERB
ajbmeb-2626	30	10	the	the	DET
ajbmeb-2626	30	11	risk	risk	NOUN
ajbmeb-2626	30	12	of	of	ADP
ajbmeb-2626	30	13	assets	asset	NOUN
ajbmeb-2626	30	14	.	.	PUNCT
ajbmeb-2626	31	1	in	in	ADP
ajbmeb-2626	31	2	order	order	NOUN
ajbmeb-2626	31	3	to	to	PART
ajbmeb-2626	31	4	achieve	achieve	VERB
ajbmeb-2626	31	5	long	long	ADJ
ajbmeb-2626	31	6	-	-	PUNCT
ajbmeb-2626	31	7	term	term	NOUN
ajbmeb-2626	31	8	stability	stability	NOUN
ajbmeb-2626	31	9	,	,	PUNCT
ajbmeb-2626	31	10	high	high	ADJ
ajbmeb-2626	31	11	-	-	PUNCT
ajbmeb-2626	31	12	tech	tech	NOUN
ajbmeb-2626	31	13	it	it	PRON
ajbmeb-2626	31	14	platforms	platform	NOUN
ajbmeb-2626	31	15	are	be	AUX
ajbmeb-2626	31	16	widely	widely	ADV
ajbmeb-2626	31	17	used	use	VERB
ajbmeb-2626	31	18	.	.	PUNCT
ajbmeb-2626	32	1	the	the	DET
ajbmeb-2626	32	2	japanese	japanese	ADJ
ajbmeb-2626	32	3	banking	banking	NOUN
ajbmeb-2626	32	4	system	system	NOUN
ajbmeb-2626	32	5	maintains	maintain	VERB
ajbmeb-2626	32	6	a	a	DET
ajbmeb-2626	32	7	high	high	ADJ
ajbmeb-2626	32	8	level	level	NOUN
ajbmeb-2626	32	9	of	of	ADP
ajbmeb-2626	32	10	liquidity	liquidity	NOUN
ajbmeb-2626	32	11	and	and	CCONJ
ajbmeb-2626	32	12	is	be	AUX
ajbmeb-2626	32	13	characterized	characterize	VERB
ajbmeb-2626	32	14	by	by	ADP
ajbmeb-2626	32	15	low	low	ADJ
ajbmeb-2626	32	16	risk	risk	NOUN
ajbmeb-2626	32	17	[	[	X
ajbmeb-2626	32	18	6	6	NUM
ajbmeb-2626	32	19	]	]	PUNCT
ajbmeb-2626	32	20	.	.	PUNCT
ajbmeb-2626	33	1	south	south	ADJ
ajbmeb-2626	33	2	korean	korean	ADJ
ajbmeb-2626	33	3	banks	bank	NOUN
ajbmeb-2626	33	4	emphasize	emphasize	VERB
ajbmeb-2626	33	5	digitization	digitization	NOUN
ajbmeb-2626	33	6	and	and	CCONJ
ajbmeb-2626	33	7	innovation	innovation	NOUN
ajbmeb-2626	33	8	in	in	ADP
ajbmeb-2626	33	9	asset	asset	NOUN
ajbmeb-2626	33	10	management	management	NOUN
ajbmeb-2626	33	11	.	.	PUNCT
ajbmeb-2626	34	1	support	support	NOUN
ajbmeb-2626	34	2	programs	program	NOUN
ajbmeb-2626	34	3	for	for	ADP
ajbmeb-2626	34	4	the	the	DET
ajbmeb-2626	34	5	development	development	NOUN
ajbmeb-2626	34	6	of	of	ADP
ajbmeb-2626	34	7	financial	financial	ADJ
ajbmeb-2626	34	8	technologies	technology	NOUN
ajbmeb-2626	34	9	will	will	AUX
ajbmeb-2626	34	10	be	be	AUX
ajbmeb-2626	34	11	implemented	implement	VERB
ajbmeb-2626	34	12	by	by	ADP
ajbmeb-2626	34	13	the	the	DET
ajbmeb-2626	34	14	state	state	NOUN
ajbmeb-2626	34	15	.	.	PUNCT
ajbmeb-2626	35	1	this	this	PRON
ajbmeb-2626	35	2	,	,	PUNCT
ajbmeb-2626	35	3	in	in	ADP
ajbmeb-2626	35	4	turn	turn	NOUN
ajbmeb-2626	35	5	,	,	PUNCT
ajbmeb-2626	35	6	improves	improve	VERB
ajbmeb-2626	35	7	the	the	DET
ajbmeb-2626	35	8	analysis	analysis	NOUN
ajbmeb-2626	35	9	and	and	CCONJ
ajbmeb-2626	35	10	management	management	NOUN
ajbmeb-2626	35	11	of	of	ADP
ajbmeb-2626	35	12	assets	asset	NOUN
ajbmeb-2626	35	13	and	and	CCONJ
ajbmeb-2626	35	14	makes	make	VERB
ajbmeb-2626	35	15	banks	bank	NOUN
ajbmeb-2626	35	16	internationally	internationally	ADV
ajbmeb-2626	35	17	competitive	competitive	ADJ
ajbmeb-2626	35	18	[	[	X
ajbmeb-2626	35	19	7	7	NUM
ajbmeb-2626	35	20	]	]	PUNCT
ajbmeb-2626	35	21	.	.	PUNCT
ajbmeb-2626	36	1	the	the	DET
ajbmeb-2626	36	2	experience	experience	NOUN
ajbmeb-2626	36	3	of	of	ADP
ajbmeb-2626	36	4	developed	develop	VERB
ajbmeb-2626	36	5	countries	country	NOUN
ajbmeb-2626	36	6	shows	show	VERB
ajbmeb-2626	36	7	that	that	SCONJ
ajbmeb-2626	36	8	innovation	innovation	NOUN
ajbmeb-2626	36	9	,	,	PUNCT
ajbmeb-2626	36	10	streamlining	streamlining	NOUN
ajbmeb-2626	36	11	,	,	PUNCT
ajbmeb-2626	36	12	digitalization	digitalization	NOUN
ajbmeb-2626	36	13	,	,	PUNCT
ajbmeb-2626	36	14	and	and	CCONJ
ajbmeb-2626	36	15	environmentally	environmentally	ADV
ajbmeb-2626	36	16	oriented	orient	VERB
ajbmeb-2626	36	17	projects	project	NOUN
ajbmeb-2626	36	18	are	be	AUX
ajbmeb-2626	36	19	important	important	ADJ
ajbmeb-2626	36	20	in	in	ADP
ajbmeb-2626	36	21	increasing	increase	VERB
ajbmeb-2626	36	22	the	the	DET
ajbmeb-2626	36	23	efficiency	efficiency	NOUN
ajbmeb-2626	36	24	of	of	ADP
ajbmeb-2626	36	25	bank	bank	NOUN
ajbmeb-2626	36	26	assets	asset	NOUN
ajbmeb-2626	36	27	.	.	PUNCT
ajbmeb-2626	37	1	these	these	DET
ajbmeb-2626	37	2	operations	operation	NOUN
ajbmeb-2626	37	3	can	can	AUX
ajbmeb-2626	37	4	open	open	VERB
ajbmeb-2626	37	5	up	up	ADP
ajbmeb-2626	37	6	new	new	ADJ
ajbmeb-2626	37	7	opportunities	opportunity	NOUN
ajbmeb-2626	37	8	for	for	ADP
ajbmeb-2626	37	9	the	the	DET
ajbmeb-2626	37	10	banking	banking	NOUN
ajbmeb-2626	37	11	system	system	NOUN
ajbmeb-2626	37	12	of	of	ADP
ajbmeb-2626	37	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	37	14	and	and	CCONJ
ajbmeb-2626	37	15	serve	serve	VERB
ajbmeb-2626	37	16	to	to	PART
ajbmeb-2626	37	17	increase	increase	VERB
ajbmeb-2626	37	18	their	their	PRON
ajbmeb-2626	37	19	financial	financial	ADJ
ajbmeb-2626	37	20	efficiency	efficiency	NOUN
ajbmeb-2626	37	21	.	.	PUNCT
ajbmeb-2626	38	1	in	in	ADP
ajbmeb-2626	38	2	foreign	foreign	ADJ
ajbmeb-2626	38	3	banks	bank	NOUN
ajbmeb-2626	38	4	,	,	PUNCT
ajbmeb-2626	38	5	these	these	DET
ajbmeb-2626	38	6	assets	asset	NOUN
ajbmeb-2626	38	7	are	be	AUX
ajbmeb-2626	38	8	divided	divide	VERB
ajbmeb-2626	38	9	into	into	ADP
ajbmeb-2626	38	10	different	different	ADJ
ajbmeb-2626	38	11	categories	category	NOUN
ajbmeb-2626	38	12	according	accord	VERB
ajbmeb-2626	38	13	to	to	ADP
ajbmeb-2626	38	14	the	the	DET
ajbmeb-2626	38	15	level	level	NOUN
ajbmeb-2626	38	16	of	of	ADP
ajbmeb-2626	38	17	risk	risk	NOUN
ajbmeb-2626	38	18	,	,	PUNCT
ajbmeb-2626	38	19	it	it	PRON
ajbmeb-2626	38	20	should	should	AUX
ajbmeb-2626	38	21	be	be	AUX
ajbmeb-2626	38	22	noted	note	VERB
ajbmeb-2626	38	23	that	that	SCONJ
ajbmeb-2626	38	24	the	the	PRON
ajbmeb-2626	38	25	higher	high	ADJ
ajbmeb-2626	38	26	the	the	DET
ajbmeb-2626	38	27	risk	risk	NOUN
ajbmeb-2626	38	28	level	level	NOUN
ajbmeb-2626	38	29	of	of	ADP
ajbmeb-2626	38	30	bank	bank	NOUN
ajbmeb-2626	38	31	assets	asset	NOUN
ajbmeb-2626	38	32	,	,	PUNCT
ajbmeb-2626	38	33	the	the	PRON
ajbmeb-2626	38	34	higher	high	ADJ
ajbmeb-2626	38	35	the	the	DET
ajbmeb-2626	38	36	amount	amount	NOUN
ajbmeb-2626	38	37	of	of	ADP
ajbmeb-2626	38	38	income	income	NOUN
ajbmeb-2626	38	39	obtained	obtain	VERB
ajbmeb-2626	38	40	from	from	ADP
ajbmeb-2626	38	41	them	they	PRON
ajbmeb-2626	38	42	.	.	PUNCT
ajbmeb-2626	39	1	various	various	ADJ
ajbmeb-2626	39	2	criteria	criterion	NOUN
ajbmeb-2626	39	3	are	be	AUX
ajbmeb-2626	39	4	used	use	VERB
ajbmeb-2626	39	5	to	to	PART
ajbmeb-2626	39	6	determine	determine	VERB
ajbmeb-2626	39	7	their	their	PRON
ajbmeb-2626	39	8	effectiveness	effectiveness	NOUN
ajbmeb-2626	39	9	.	.	PUNCT
ajbmeb-2626	40	1	the	the	DET
ajbmeb-2626	40	2	following	follow	VERB
ajbmeb-2626	40	3	figure	figure	NOUN
ajbmeb-2626	40	4	shows	show	VERB
ajbmeb-2626	40	5	the	the	DET
ajbmeb-2626	40	6	main	main	ADJ
ajbmeb-2626	40	7	criteria	criterion	NOUN
ajbmeb-2626	40	8	that	that	PRON
ajbmeb-2626	40	9	determine	determine	VERB
ajbmeb-2626	40	10	the	the	DET
ajbmeb-2626	40	11	efficiency	efficiency	NOUN
ajbmeb-2626	40	12	of	of	ADP
ajbmeb-2626	40	13	assets	asset	NOUN
ajbmeb-2626	40	14	of	of	ADP
ajbmeb-2626	40	15	foreign	foreign	ADJ
ajbmeb-2626	40	16	countries	country	NOUN
ajbmeb-2626	40	17	.	.	PUNCT
ajbmeb-2626	41	1	american	american	ADJ
ajbmeb-2626	41	2	journal	journal	PROPN
ajbmeb-2626	41	3	of	of	ADP
ajbmeb-2626	41	4	business	business	NOUN
ajbmeb-2626	41	5	management	management	NOUN
ajbmeb-2626	41	6	,	,	PUNCT
ajbmeb-2626	41	7	economics	economic	NOUN
ajbmeb-2626	41	8	and	and	CCONJ
ajbmeb-2626	41	9	banking	banking	NOUN
ajbmeb-2626	41	10	volume	volume	NOUN
ajbmeb-2626	41	11	32	32	NUM
ajbmeb-2626	41	12	january	january	PROPN
ajbmeb-2626	41	13	2025	2025	NUM
ajbmeb-2626	41	14	p	p	NOUN
ajbmeb-2626	41	15	a	a	DET
ajbmeb-2626	41	16	g	g	NOUN
ajbmeb-2626	41	17	e	e	NOUN
ajbmeb-2626	41	18	|	|	ADV
ajbmeb-2626	41	19	19	19	NUM
ajbmeb-2626	41	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	41	21	figure	figure	NOUN
ajbmeb-2626	41	22	1.4	1.4	NUM
ajbmeb-2626	41	23	.	.	PUNCT
ajbmeb-2626	42	1	benchmarks	benchmark	NOUN
ajbmeb-2626	42	2	determining	determine	VERB
ajbmeb-2626	42	3	the	the	DET
ajbmeb-2626	42	4	effectiveness	effectiveness	NOUN
ajbmeb-2626	42	5	of	of	ADP
ajbmeb-2626	42	6	assets	asset	NOUN
ajbmeb-2626	42	7	in	in	ADP
ajbmeb-2626	42	8	foreign	foreign	ADJ
ajbmeb-2626	42	9	banks	bank	NOUN
ajbmeb-2626	42	10	figure	figure	VERB
ajbmeb-2626	42	11	1.4	1.4	NUM
ajbmeb-2626	42	12	shows	show	VERB
ajbmeb-2626	42	13	the	the	DET
ajbmeb-2626	42	14	main	main	ADJ
ajbmeb-2626	42	15	criteria	criterion	NOUN
ajbmeb-2626	42	16	used	use	VERB
ajbmeb-2626	42	17	in	in	ADP
ajbmeb-2626	42	18	assessing	assess	VERB
ajbmeb-2626	42	19	the	the	DET
ajbmeb-2626	42	20	efficiency	efficiency	NOUN
ajbmeb-2626	42	21	of	of	ADP
ajbmeb-2626	42	22	assets	asset	NOUN
ajbmeb-2626	42	23	in	in	ADP
ajbmeb-2626	42	24	developed	develop	VERB
ajbmeb-2626	42	25	foreign	foreign	ADJ
ajbmeb-2626	42	26	banks	bank	NOUN
ajbmeb-2626	42	27	.	.	PUNCT
ajbmeb-2626	43	1	from	from	ADP
ajbmeb-2626	43	2	the	the	DET
ajbmeb-2626	43	3	figure	figure	NOUN
ajbmeb-2626	43	4	,	,	PUNCT
ajbmeb-2626	43	5	it	it	PRON
ajbmeb-2626	43	6	is	be	AUX
ajbmeb-2626	43	7	clear	clear	ADJ
ajbmeb-2626	43	8	that	that	SCONJ
ajbmeb-2626	43	9	when	when	SCONJ
ajbmeb-2626	43	10	determining	determine	VERB
ajbmeb-2626	43	11	the	the	DET
ajbmeb-2626	43	12	effectiveness	effectiveness	NOUN
ajbmeb-2626	43	13	of	of	ADP
ajbmeb-2626	43	14	bank	bank	NOUN
ajbmeb-2626	43	15	assets	asset	NOUN
ajbmeb-2626	43	16	,	,	PUNCT
ajbmeb-2626	43	17	the	the	DET
ajbmeb-2626	43	18	main	main	ADJ
ajbmeb-2626	43	19	attention	attention	NOUN
ajbmeb-2626	43	20	is	be	AUX
ajbmeb-2626	43	21	focused	focus	VERB
ajbmeb-2626	43	22	on	on	ADP
ajbmeb-2626	43	23	the	the	DET
ajbmeb-2626	43	24	profitability	profitability	NOUN
ajbmeb-2626	43	25	ratio	ratio	NOUN
ajbmeb-2626	43	26	of	of	ADP
ajbmeb-2626	43	27	assets	asset	NOUN
ajbmeb-2626	43	28	,	,	PUNCT
ajbmeb-2626	43	29	and	and	CCONJ
ajbmeb-2626	43	30	this	this	DET
ajbmeb-2626	43	31	ratio	ratio	NOUN
ajbmeb-2626	43	32	is	be	AUX
ajbmeb-2626	43	33	one	one	NUM
ajbmeb-2626	43	34	of	of	ADP
ajbmeb-2626	43	35	the	the	DET
ajbmeb-2626	43	36	important	important	ADJ
ajbmeb-2626	43	37	criteria	criterion	NOUN
ajbmeb-2626	43	38	.	.	PUNCT
ajbmeb-2626	44	1	this	this	DET
ajbmeb-2626	44	2	ratio	ratio	NOUN
ajbmeb-2626	44	3	determines	determine	VERB
ajbmeb-2626	44	4	the	the	DET
ajbmeb-2626	44	5	level	level	NOUN
ajbmeb-2626	44	6	of	of	ADP
ajbmeb-2626	44	7	profitability	profitability	NOUN
ajbmeb-2626	44	8	of	of	ADP
ajbmeb-2626	44	9	bank	bank	NOUN
ajbmeb-2626	44	10	assets	asset	NOUN
ajbmeb-2626	44	11	,	,	PUNCT
ajbmeb-2626	44	12	that	that	ADV
ajbmeb-2626	44	13	is	is	ADV
ajbmeb-2626	44	14	,	,	PUNCT
ajbmeb-2626	44	15	what	what	DET
ajbmeb-2626	44	16	part	part	NOUN
ajbmeb-2626	44	17	of	of	ADP
ajbmeb-2626	44	18	bank	bank	NOUN
ajbmeb-2626	44	19	assets	asset	NOUN
ajbmeb-2626	44	20	generates	generate	VERB
ajbmeb-2626	44	21	income	income	NOUN
ajbmeb-2626	44	22	.	.	PUNCT
ajbmeb-2626	45	1	it	it	PRON
ajbmeb-2626	45	2	is	be	AUX
ajbmeb-2626	45	3	known	know	VERB
ajbmeb-2626	45	4	that	that	SCONJ
ajbmeb-2626	45	5	the	the	DET
ajbmeb-2626	45	6	importance	importance	NOUN
ajbmeb-2626	45	7	of	of	ADP
ajbmeb-2626	45	8	attracted	attract	VERB
ajbmeb-2626	45	9	funds	fund	NOUN
ajbmeb-2626	45	10	in	in	ADP
ajbmeb-2626	45	11	the	the	DET
ajbmeb-2626	45	12	composition	composition	NOUN
ajbmeb-2626	45	13	of	of	ADP
ajbmeb-2626	45	14	resources	resource	NOUN
ajbmeb-2626	45	15	of	of	ADP
ajbmeb-2626	45	16	commercial	commercial	ADJ
ajbmeb-2626	45	17	banks	bank	NOUN
ajbmeb-2626	45	18	is	be	AUX
ajbmeb-2626	45	19	of	of	ADP
ajbmeb-2626	45	20	great	great	ADJ
ajbmeb-2626	45	21	importance	importance	NOUN
ajbmeb-2626	45	22	.	.	PUNCT
ajbmeb-2626	46	1	it	it	PRON
ajbmeb-2626	46	2	is	be	AUX
ajbmeb-2626	46	3	important	important	ADJ
ajbmeb-2626	46	4	that	that	SCONJ
ajbmeb-2626	46	5	what	what	PRON
ajbmeb-2626	46	6	part	part	NOUN
ajbmeb-2626	46	7	of	of	ADP
ajbmeb-2626	46	8	funds	fund	NOUN
ajbmeb-2626	46	9	attracted	attract	VERB
ajbmeb-2626	46	10	by	by	ADP
ajbmeb-2626	46	11	banks	bank	NOUN
ajbmeb-2626	46	12	is	be	AUX
ajbmeb-2626	46	13	invested	invest	VERB
ajbmeb-2626	46	14	in	in	ADP
ajbmeb-2626	46	15	active	active	ADJ
ajbmeb-2626	46	16	operations	operation	NOUN
ajbmeb-2626	46	17	,	,	PUNCT
ajbmeb-2626	46	18	or	or	CCONJ
ajbmeb-2626	46	19	to	to	PART
ajbmeb-2626	46	20	be	be	AUX
ajbmeb-2626	46	21	more	more	ADV
ajbmeb-2626	46	22	precise	precise	ADJ
ajbmeb-2626	46	23	,	,	PUNCT
ajbmeb-2626	46	24	in	in	ADP
ajbmeb-2626	46	25	risky	risky	ADJ
ajbmeb-2626	46	26	assets	asset	NOUN
ajbmeb-2626	46	27	.	.	PUNCT
ajbmeb-2626	47	1	if	if	SCONJ
ajbmeb-2626	47	2	more	more	ADJ
ajbmeb-2626	47	3	than	than	ADP
ajbmeb-2626	47	4	75	75	NUM
ajbmeb-2626	47	5	%	%	NOUN
ajbmeb-2626	47	6	of	of	ADP
ajbmeb-2626	47	7	time	time	NOUN
ajbmeb-2626	47	8	deposits	deposit	NOUN
ajbmeb-2626	47	9	attracted	attract	VERB
ajbmeb-2626	47	10	in	in	ADP
ajbmeb-2626	47	11	international	international	ADJ
ajbmeb-2626	47	12	banking	banking	NOUN
ajbmeb-2626	47	13	operations	operation	NOUN
ajbmeb-2626	47	14	are	be	AUX
ajbmeb-2626	47	15	placed	place	VERB
ajbmeb-2626	47	16	on	on	ADP
ajbmeb-2626	47	17	loans	loan	NOUN
ajbmeb-2626	47	18	,	,	PUNCT
ajbmeb-2626	47	19	this	this	PRON
ajbmeb-2626	47	20	indicates	indicate	VERB
ajbmeb-2626	47	21	that	that	SCONJ
ajbmeb-2626	47	22	the	the	DET
ajbmeb-2626	47	23	bank	bank	NOUN
ajbmeb-2626	47	24	is	be	AUX
ajbmeb-2626	47	25	implementing	implement	VERB
ajbmeb-2626	47	26	an	an	DET
ajbmeb-2626	47	27	aggressive	aggressive	ADJ
ajbmeb-2626	47	28	credit	credit	NOUN
ajbmeb-2626	47	29	policy	policy	NOUN
ajbmeb-2626	47	30	,	,	PUNCT
ajbmeb-2626	47	31	if	if	SCONJ
ajbmeb-2626	47	32	this	this	DET
ajbmeb-2626	47	33	indicator	indicator	NOUN
ajbmeb-2626	47	34	is	be	AUX
ajbmeb-2626	47	35	below	below	ADP
ajbmeb-2626	47	36	65	65	NUM
ajbmeb-2626	47	37	%	%	NOUN
ajbmeb-2626	47	38	,	,	PUNCT
ajbmeb-2626	47	39	it	it	PRON
ajbmeb-2626	47	40	means	mean	VERB
ajbmeb-2626	47	41	that	that	SCONJ
ajbmeb-2626	47	42	the	the	DET
ajbmeb-2626	47	43	bank	bank	NOUN
ajbmeb-2626	47	44	is	be	AUX
ajbmeb-2626	47	45	implementing	implement	VERB
ajbmeb-2626	47	46	a	a	DET
ajbmeb-2626	47	47	moderate	moderate	ADJ
ajbmeb-2626	47	48	credit	credit	NOUN
ajbmeb-2626	47	49	policy	policy	NOUN
ajbmeb-2626	47	50	.	.	PUNCT
ajbmeb-2626	48	1	investments	investment	NOUN
ajbmeb-2626	48	2	in	in	ADP
ajbmeb-2626	48	3	securities	security	NOUN
ajbmeb-2626	48	4	are	be	AUX
ajbmeb-2626	48	5	one	one	NUM
ajbmeb-2626	48	6	of	of	ADP
ajbmeb-2626	48	7	the	the	DET
ajbmeb-2626	48	8	main	main	ADJ
ajbmeb-2626	48	9	asset	asset	NOUN
ajbmeb-2626	48	10	operations	operation	NOUN
ajbmeb-2626	48	11	of	of	ADP
ajbmeb-2626	48	12	banks	bank	NOUN
ajbmeb-2626	48	13	.	.	PUNCT
ajbmeb-2626	49	1	along	along	ADP
ajbmeb-2626	49	2	with	with	ADP
ajbmeb-2626	49	3	the	the	DET
ajbmeb-2626	49	4	utility	utility	NOUN
ajbmeb-2626	49	5	level	level	NOUN
ajbmeb-2626	49	6	of	of	ADP
ajbmeb-2626	49	7	securities	security	NOUN
ajbmeb-2626	49	8	,	,	PUNCT
ajbmeb-2626	49	9	their	their	PRON
ajbmeb-2626	49	10	liquidity	liquidity	NOUN
ajbmeb-2626	49	11	level	level	NOUN
ajbmeb-2626	49	12	is	be	AUX
ajbmeb-2626	49	13	also	also	ADV
ajbmeb-2626	49	14	taken	take	VERB
ajbmeb-2626	49	15	into	into	ADP
ajbmeb-2626	49	16	account	account	NOUN
ajbmeb-2626	49	17	.	.	PUNCT
ajbmeb-2626	50	1	if	if	SCONJ
ajbmeb-2626	50	2	the	the	DET
ajbmeb-2626	50	3	share	share	NOUN
ajbmeb-2626	50	4	of	of	ADP
ajbmeb-2626	50	5	government	government	NOUN
ajbmeb-2626	50	6	securities	security	NOUN
ajbmeb-2626	50	7	in	in	ADP
ajbmeb-2626	50	8	the	the	DET
ajbmeb-2626	50	9	composition	composition	NOUN
ajbmeb-2626	50	10	of	of	ADP
ajbmeb-2626	50	11	the	the	DET
ajbmeb-2626	50	12	bank	bank	NOUN
ajbmeb-2626	50	13	's	's	PART
ajbmeb-2626	50	14	investments	investment	NOUN
ajbmeb-2626	50	15	in	in	ADP
ajbmeb-2626	50	16	securities	security	NOUN
ajbmeb-2626	50	17	is	be	AUX
ajbmeb-2626	50	18	high	high	ADJ
ajbmeb-2626	50	19	,	,	PUNCT
ajbmeb-2626	50	20	it	it	PRON
ajbmeb-2626	50	21	indicates	indicate	VERB
ajbmeb-2626	50	22	that	that	SCONJ
ajbmeb-2626	50	23	the	the	DET
ajbmeb-2626	50	24	bank	bank	NOUN
ajbmeb-2626	50	25	's	's	PART
ajbmeb-2626	50	26	financial	financial	ADJ
ajbmeb-2626	50	27	condition	condition	NOUN
ajbmeb-2626	50	28	and	and	CCONJ
ajbmeb-2626	50	29	level	level	NOUN
ajbmeb-2626	50	30	of	of	ADP
ajbmeb-2626	50	31	profitability	profitability	NOUN
ajbmeb-2626	50	32	are	be	AUX
ajbmeb-2626	50	33	stable	stable	ADJ
ajbmeb-2626	50	34	.	.	PUNCT
ajbmeb-2626	51	1	also	also	ADV
ajbmeb-2626	51	2	,	,	PUNCT
ajbmeb-2626	51	3	the	the	DET
ajbmeb-2626	51	4	diversification	diversification	NOUN
ajbmeb-2626	51	5	of	of	ADP
ajbmeb-2626	51	6	investments	investment	NOUN
ajbmeb-2626	51	7	in	in	ADP
ajbmeb-2626	51	8	securities	security	NOUN
ajbmeb-2626	51	9	by	by	ADP
ajbmeb-2626	51	10	periods	period	NOUN
ajbmeb-2626	51	11	will	will	AUX
ajbmeb-2626	51	12	provide	provide	VERB
ajbmeb-2626	51	13	an	an	DET
ajbmeb-2626	51	14	opportunity	opportunity	NOUN
ajbmeb-2626	51	15	to	to	PART
ajbmeb-2626	51	16	assess	assess	VERB
ajbmeb-2626	51	17	the	the	DET
ajbmeb-2626	51	18	financial	financial	ADJ
ajbmeb-2626	51	19	condition	condition	NOUN
ajbmeb-2626	51	20	of	of	ADP
ajbmeb-2626	51	21	the	the	DET
ajbmeb-2626	51	22	bank	bank	NOUN
ajbmeb-2626	51	23	,	,	PUNCT
ajbmeb-2626	51	24	in	in	ADP
ajbmeb-2626	51	25	which	which	PRON
ajbmeb-2626	51	26	it	it	PRON
ajbmeb-2626	51	27	will	will	AUX
ajbmeb-2626	51	28	be	be	AUX
ajbmeb-2626	51	29	possible	possible	ADJ
ajbmeb-2626	51	30	to	to	PART
ajbmeb-2626	51	31	assess	assess	VERB
ajbmeb-2626	51	32	the	the	DET
ajbmeb-2626	51	33	financial	financial	ADJ
ajbmeb-2626	51	34	stability	stability	NOUN
ajbmeb-2626	51	35	of	of	ADP
ajbmeb-2626	51	36	issuers	issuer	NOUN
ajbmeb-2626	51	37	of	of	ADP
ajbmeb-2626	51	38	securities	security	NOUN
ajbmeb-2626	51	39	made	make	VERB
ajbmeb-2626	51	40	by	by	ADP
ajbmeb-2626	51	41	the	the	DET
ajbmeb-2626	51	42	bank	bank	NOUN
ajbmeb-2626	51	43	.	.	PUNCT
ajbmeb-2626	52	1	in	in	ADP
ajbmeb-2626	52	2	international	international	ADJ
ajbmeb-2626	52	3	banking	banking	NOUN
ajbmeb-2626	52	4	operations	operation	NOUN
ajbmeb-2626	52	5	,	,	PUNCT
ajbmeb-2626	52	6	the	the	DET
ajbmeb-2626	52	7	classification	classification	NOUN
ajbmeb-2626	52	8	of	of	ADP
ajbmeb-2626	52	9	assets	asset	NOUN
ajbmeb-2626	52	10	by	by	ADP
ajbmeb-2626	52	11	sectors	sector	NOUN
ajbmeb-2626	52	12	is	be	AUX
ajbmeb-2626	52	13	considered	consider	VERB
ajbmeb-2626	52	14	one	one	NUM
ajbmeb-2626	52	15	of	of	ADP
ajbmeb-2626	52	16	the	the	DET
ajbmeb-2626	52	17	important	important	ADJ
ajbmeb-2626	52	18	indicators	indicator	NOUN
ajbmeb-2626	52	19	,	,	PUNCT
ajbmeb-2626	52	20	and	and	CCONJ
ajbmeb-2626	52	21	special	special	ADJ
ajbmeb-2626	52	22	attention	attention	NOUN
ajbmeb-2626	52	23	is	be	AUX
ajbmeb-2626	52	24	paid	pay	VERB
ajbmeb-2626	52	25	to	to	ADP
ajbmeb-2626	52	26	this	this	DET
ajbmeb-2626	52	27	indicator	indicator	NOUN
ajbmeb-2626	52	28	when	when	SCONJ
ajbmeb-2626	52	29	determining	determine	VERB
ajbmeb-2626	52	30	the	the	DET
ajbmeb-2626	52	31	effectiveness	effectiveness	NOUN
ajbmeb-2626	52	32	of	of	ADP
ajbmeb-2626	52	33	assets	asset	NOUN
ajbmeb-2626	52	34	.	.	PUNCT
ajbmeb-2626	53	1	for	for	ADP
ajbmeb-2626	53	2	this	this	DET
ajbmeb-2626	53	3	purpose	purpose	NOUN
ajbmeb-2626	53	4	,	,	PUNCT
ajbmeb-2626	53	5	attention	attention	NOUN
ajbmeb-2626	53	6	will	will	AUX
ajbmeb-2626	53	7	be	be	AUX
ajbmeb-2626	53	8	paid	pay	VERB
ajbmeb-2626	53	9	to	to	ADP
ajbmeb-2626	53	10	what	what	DET
ajbmeb-2626	53	11	percentage	percentage	NOUN
ajbmeb-2626	53	12	of	of	ADP
ajbmeb-2626	53	13	the	the	DET
ajbmeb-2626	53	14	total	total	ADJ
ajbmeb-2626	53	15	loans	loan	NOUN
ajbmeb-2626	53	16	will	will	AUX
ajbmeb-2626	53	17	correspond	correspond	VERB
ajbmeb-2626	53	18	to	to	ADP
ajbmeb-2626	53	19	which	which	DET
ajbmeb-2626	53	20	areas	area	NOUN
ajbmeb-2626	53	21	.	.	PUNCT
ajbmeb-2626	54	1	through	through	ADP
ajbmeb-2626	54	2	these	these	DET
ajbmeb-2626	54	3	indicators	indicator	NOUN
ajbmeb-2626	54	4	,	,	PUNCT
ajbmeb-2626	54	5	not	not	PART
ajbmeb-2626	54	6	only	only	ADV
ajbmeb-2626	54	7	the	the	DET
ajbmeb-2626	54	8	efficiency	efficiency	NOUN
ajbmeb-2626	54	9	of	of	ADP
ajbmeb-2626	54	10	the	the	DET
ajbmeb-2626	54	11	bank	bank	NOUN
ajbmeb-2626	54	12	's	's	PART
ajbmeb-2626	54	13	assets	asset	NOUN
ajbmeb-2626	54	14	is	be	AUX
ajbmeb-2626	54	15	evaluated	evaluate	VERB
ajbmeb-2626	54	16	,	,	PUNCT
ajbmeb-2626	54	17	but	but	CCONJ
ajbmeb-2626	54	18	also	also	ADV
ajbmeb-2626	54	19	the	the	DET
ajbmeb-2626	54	20	credit	credit	NOUN
ajbmeb-2626	54	21	policy	policy	NOUN
ajbmeb-2626	54	22	based	base	VERB
ajbmeb-2626	54	23	on	on	ADP
ajbmeb-2626	54	24	the	the	DET
ajbmeb-2626	54	25	level	level	NOUN
ajbmeb-2626	54	26	of	of	ADP
ajbmeb-2626	54	27	risk	risk	NOUN
ajbmeb-2626	54	28	,	,	PUNCT
ajbmeb-2626	54	29	as	as	ADV
ajbmeb-2626	54	30	well	well	ADV
ajbmeb-2626	54	31	as	as	ADP
ajbmeb-2626	54	32	the	the	DET
ajbmeb-2626	54	33	liquidity	liquidity	NOUN
ajbmeb-2626	54	34	and	and	CCONJ
ajbmeb-2626	54	35	profitability	profitability	NOUN
ajbmeb-2626	54	36	of	of	ADP
ajbmeb-2626	54	37	the	the	DET
ajbmeb-2626	54	38	borrower	borrower	NOUN
ajbmeb-2626	54	39	's	's	PART
ajbmeb-2626	54	40	ability	ability	NOUN
ajbmeb-2626	54	41	to	to	PART
ajbmeb-2626	54	42	pay	pay	VERB
ajbmeb-2626	54	43	.	.	PUNCT
ajbmeb-2626	55	1	the	the	DET
ajbmeb-2626	55	2	location	location	NOUN
ajbmeb-2626	55	3	of	of	ADP
ajbmeb-2626	55	4	risky	risky	ADJ
ajbmeb-2626	55	5	assets	asset	NOUN
ajbmeb-2626	55	6	of	of	ADP
ajbmeb-2626	55	7	the	the	DET
ajbmeb-2626	55	8	bank	bank	NOUN
ajbmeb-2626	55	9	by	by	ADP
ajbmeb-2626	55	10	terms	term	NOUN
ajbmeb-2626	55	11	is	be	AUX
ajbmeb-2626	55	12	also	also	ADV
ajbmeb-2626	55	13	one	one	NUM
ajbmeb-2626	55	14	of	of	ADP
ajbmeb-2626	55	15	the	the	DET
ajbmeb-2626	55	16	factors	factor	NOUN
ajbmeb-2626	55	17	that	that	PRON
ajbmeb-2626	55	18	directly	directly	ADV
ajbmeb-2626	55	19	affect	affect	VERB
ajbmeb-2626	55	20	the	the	DET
ajbmeb-2626	55	21	efficiency	efficiency	NOUN
ajbmeb-2626	55	22	of	of	ADP
ajbmeb-2626	55	23	assets	asset	NOUN
ajbmeb-2626	55	24	.	.	PUNCT
ajbmeb-2626	56	1	from	from	ADP
ajbmeb-2626	56	2	this	this	DET
ajbmeb-2626	56	3	point	point	NOUN
ajbmeb-2626	56	4	of	of	ADP
ajbmeb-2626	56	5	view	view	NOUN
ajbmeb-2626	56	6	,	,	PUNCT
ajbmeb-2626	56	7	it	it	PRON
ajbmeb-2626	56	8	is	be	AUX
ajbmeb-2626	56	9	important	important	ADJ
ajbmeb-2626	56	10	to	to	PART
ajbmeb-2626	56	11	determine	determine	VERB
ajbmeb-2626	56	12	what	what	PRON
ajbmeb-2626	56	13	part	part	NOUN
ajbmeb-2626	56	14	of	of	ADP
ajbmeb-2626	56	15	risky	risky	ADJ
ajbmeb-2626	56	16	assets	asset	NOUN
ajbmeb-2626	56	17	in	in	ADP
ajbmeb-2626	56	18	foreign	foreign	ADJ
ajbmeb-2626	56	19	banks	bank	NOUN
ajbmeb-2626	56	20	is	be	AUX
ajbmeb-2626	56	21	placed	place	VERB
ajbmeb-2626	56	22	in	in	ADP
ajbmeb-2626	56	23	long	long	ADJ
ajbmeb-2626	56	24	-	-	PUNCT
ajbmeb-2626	56	25	term	term	NOUN
ajbmeb-2626	56	26	assets	asset	NOUN
ajbmeb-2626	56	27	and	and	CCONJ
ajbmeb-2626	56	28	what	what	PRON
ajbmeb-2626	56	29	part	part	NOUN
ajbmeb-2626	56	30	is	be	AUX
ajbmeb-2626	56	31	in	in	ADP
ajbmeb-2626	56	32	short	short	ADJ
ajbmeb-2626	56	33	-	-	PUNCT
ajbmeb-2626	56	34	term	term	NOUN
ajbmeb-2626	56	35	assets	asset	NOUN
ajbmeb-2626	56	36	.	.	PUNCT
ajbmeb-2626	57	1	the	the	DET
ajbmeb-2626	57	2	main	main	ADJ
ajbmeb-2626	57	3	parameters	parameter	NOUN
ajbmeb-2626	57	4	determining	determine	VERB
ajbmeb-2626	57	5	the	the	DET
ajbmeb-2626	57	6	effectiveness	effectiveness	NOUN
ajbmeb-2626	57	7	of	of	ADP
ajbmeb-2626	57	8	assets	asset	NOUN
ajbmeb-2626	57	9	in	in	ADP
ajbmeb-2626	57	10	foreign	foreign	ADJ
ajbmeb-2626	57	11	banks	bank	NOUN
ajbmeb-2626	57	12	asset	asset	NOUN
ajbmeb-2626	57	13	utilization	utilization	NOUN
ajbmeb-2626	57	14	ratio	ratio	NOUN
ajbmeb-2626	57	15	utilization	utilization	NOUN
ajbmeb-2626	57	16	ratio	ratio	NOUN
ajbmeb-2626	57	17	of	of	ADP
ajbmeb-2626	57	18	borrowed	borrow	VERB
ajbmeb-2626	57	19	funds	fund	NOUN
ajbmeb-2626	57	20	and	and	CCONJ
ajbmeb-2626	57	21	deposits	deposit	NOUN
ajbmeb-2626	57	22	profitability	profitability	NOUN
ajbmeb-2626	57	23	ratio	ratio	NOUN
ajbmeb-2626	57	24	of	of	ADP
ajbmeb-2626	57	25	securities	security	NOUN
ajbmeb-2626	57	26	distribution	distribution	NOUN
ajbmeb-2626	57	27	of	of	ADP
ajbmeb-2626	57	28	loans	loan	NOUN
ajbmeb-2626	57	29	by	by	ADP
ajbmeb-2626	57	30	sector	sector	NOUN
ajbmeb-2626	57	31	asset	asset	NOUN
ajbmeb-2626	57	32	placement	placement	NOUN
ajbmeb-2626	57	33	terms	term	NOUN
ajbmeb-2626	57	34	american	american	PROPN
ajbmeb-2626	57	35	journal	journal	PROPN
ajbmeb-2626	57	36	of	of	ADP
ajbmeb-2626	57	37	business	business	NOUN
ajbmeb-2626	57	38	management	management	NOUN
ajbmeb-2626	57	39	,	,	PUNCT
ajbmeb-2626	57	40	economics	economic	NOUN
ajbmeb-2626	57	41	and	and	CCONJ
ajbmeb-2626	57	42	banking	banking	NOUN
ajbmeb-2626	57	43	volume	volume	NOUN
ajbmeb-2626	57	44	32	32	NUM
ajbmeb-2626	57	45	january	january	PROPN
ajbmeb-2626	57	46	2025	2025	NUM
ajbmeb-2626	57	47	p	p	NOUN
ajbmeb-2626	57	48	a	a	PRON
ajbmeb-2626	57	49	g	g	NOUN
ajbmeb-2626	57	50	e	e	NOUN
ajbmeb-2626	57	51	|	|	ADV
ajbmeb-2626	57	52	20	20	NUM
ajbmeb-2626	57	53	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	57	54	in	in	ADP
ajbmeb-2626	57	55	international	international	ADJ
ajbmeb-2626	57	56	banking	banking	NOUN
ajbmeb-2626	57	57	operations	operation	NOUN
ajbmeb-2626	57	58	,	,	PUNCT
ajbmeb-2626	57	59	the	the	DET
ajbmeb-2626	57	60	camel	camel	NOUN
ajbmeb-2626	57	61	system	system	NOUN
ajbmeb-2626	57	62	,	,	PUNCT
ajbmeb-2626	57	63	which	which	PRON
ajbmeb-2626	57	64	calculates	calculate	VERB
ajbmeb-2626	57	65	the	the	DET
ajbmeb-2626	57	66	standard	standard	ADJ
ajbmeb-2626	57	67	rating	rating	NOUN
ajbmeb-2626	57	68	,	,	PUNCT
ajbmeb-2626	57	69	is	be	AUX
ajbmeb-2626	57	70	widely	widely	ADV
ajbmeb-2626	57	71	used	use	VERB
ajbmeb-2626	57	72	when	when	SCONJ
ajbmeb-2626	57	73	assessing	assess	VERB
ajbmeb-2626	57	74	the	the	DET
ajbmeb-2626	57	75	assets	asset	NOUN
ajbmeb-2626	57	76	of	of	ADP
ajbmeb-2626	57	77	commercial	commercial	ADJ
ajbmeb-2626	57	78	banks	bank	NOUN
ajbmeb-2626	57	79	.	.	PUNCT
ajbmeb-2626	58	1	here	here	ADV
ajbmeb-2626	58	2	,	,	PUNCT
ajbmeb-2626	58	3	c	c	PROPN
ajbmeb-2626	58	4	is	be	AUX
ajbmeb-2626	58	5	capital	capital	NOUN
ajbmeb-2626	58	6	,	,	PUNCT
ajbmeb-2626	58	7	a	a	PRON
ajbmeb-2626	58	8	is	be	AUX
ajbmeb-2626	58	9	assets	asset	NOUN
ajbmeb-2626	58	10	,	,	PUNCT
ajbmeb-2626	58	11	m	m	VERB
ajbmeb-2626	58	12	is	be	AUX
ajbmeb-2626	58	13	management	management	NOUN
ajbmeb-2626	58	14	,	,	PUNCT
ajbmeb-2626	58	15	e	e	PROPN
ajbmeb-2626	58	16	is	be	AUX
ajbmeb-2626	58	17	earnings	earning	NOUN
ajbmeb-2626	58	18	,	,	PUNCT
ajbmeb-2626	58	19	and	and	CCONJ
ajbmeb-2626	58	20	l	l	NOUN
ajbmeb-2626	58	21	is	be	AUX
ajbmeb-2626	58	22	liquidity	liquidity	NOUN
ajbmeb-2626	58	23	.	.	PUNCT
ajbmeb-2626	59	1	when	when	SCONJ
ajbmeb-2626	59	2	evaluating	evaluate	VERB
ajbmeb-2626	59	3	the	the	DET
ajbmeb-2626	59	4	capital	capital	NOUN
ajbmeb-2626	59	5	,	,	PUNCT
ajbmeb-2626	59	6	the	the	DET
ajbmeb-2626	59	7	rate	rate	NOUN
ajbmeb-2626	59	8	of	of	ADP
ajbmeb-2626	59	9	return	return	NOUN
ajbmeb-2626	59	10	is	be	AUX
ajbmeb-2626	59	11	taken	take	VERB
ajbmeb-2626	59	12	into	into	ADP
ajbmeb-2626	59	13	account	account	NOUN
ajbmeb-2626	59	14	.	.	PUNCT
ajbmeb-2626	60	1	in	in	ADP
ajbmeb-2626	60	2	this	this	DET
ajbmeb-2626	60	3	case	case	NOUN
ajbmeb-2626	60	4	,	,	PUNCT
ajbmeb-2626	60	5	the	the	DET
ajbmeb-2626	60	6	profit	profit	NOUN
ajbmeb-2626	60	7	is	be	AUX
ajbmeb-2626	60	8	calculated	calculate	VERB
ajbmeb-2626	60	9	as	as	ADP
ajbmeb-2626	60	10	the	the	DET
ajbmeb-2626	60	11	average	average	ADJ
ajbmeb-2626	60	12	indicator	indicator	NOUN
ajbmeb-2626	60	13	of	of	ADP
ajbmeb-2626	60	14	the	the	DET
ajbmeb-2626	60	15	bank	bank	NOUN
ajbmeb-2626	60	16	's	's	PART
ajbmeb-2626	60	17	capital	capital	NOUN
ajbmeb-2626	60	18	.	.	PUNCT
ajbmeb-2626	61	1	in	in	ADP
ajbmeb-2626	61	2	us	us	PROPN
ajbmeb-2626	61	3	banks	bank	NOUN
ajbmeb-2626	61	4	,	,	PUNCT
ajbmeb-2626	61	5	if	if	SCONJ
ajbmeb-2626	61	6	this	this	DET
ajbmeb-2626	61	7	indicator	indicator	NOUN
ajbmeb-2626	61	8	is	be	AUX
ajbmeb-2626	61	9	13	13	NUM
ajbmeb-2626	61	10	-	-	SYM
ajbmeb-2626	61	11	16	16	NUM
ajbmeb-2626	61	12	percent	percent	NOUN
ajbmeb-2626	61	13	,	,	PUNCT
ajbmeb-2626	61	14	it	it	PRON
ajbmeb-2626	61	15	is	be	AUX
ajbmeb-2626	61	16	a	a	DET
ajbmeb-2626	61	17	moderate	moderate	ADJ
ajbmeb-2626	61	18	level	level	NOUN
ajbmeb-2626	61	19	.	.	PUNCT
ajbmeb-2626	62	1	when	when	SCONJ
ajbmeb-2626	62	2	using	use	VERB
ajbmeb-2626	62	3	the	the	DET
ajbmeb-2626	62	4	camel	camel	NOUN
ajbmeb-2626	62	5	system	system	NOUN
ajbmeb-2626	62	6	in	in	ADP
ajbmeb-2626	62	7	banks	bank	NOUN
ajbmeb-2626	62	8	,	,	PUNCT
ajbmeb-2626	62	9	the	the	DET
ajbmeb-2626	62	10	activity	activity	NOUN
ajbmeb-2626	62	11	of	of	ADP
ajbmeb-2626	62	12	commercial	commercial	ADJ
ajbmeb-2626	62	13	banks	bank	NOUN
ajbmeb-2626	62	14	is	be	AUX
ajbmeb-2626	62	15	evaluated	evaluate	VERB
ajbmeb-2626	62	16	based	base	VERB
ajbmeb-2626	62	17	on	on	ADP
ajbmeb-2626	62	18	a	a	DET
ajbmeb-2626	62	19	five	five	NUM
ajbmeb-2626	62	20	-	-	PUNCT
ajbmeb-2626	62	21	point	point	NOUN
ajbmeb-2626	62	22	system	system	NOUN
ajbmeb-2626	62	23	.	.	PUNCT
ajbmeb-2626	63	1	banks	bank	NOUN
ajbmeb-2626	63	2	with	with	ADP
ajbmeb-2626	63	3	a	a	DET
ajbmeb-2626	63	4	high	high	ADJ
ajbmeb-2626	63	5	level	level	NOUN
ajbmeb-2626	63	6	of	of	ADP
ajbmeb-2626	63	7	stability	stability	NOUN
ajbmeb-2626	63	8	are	be	AUX
ajbmeb-2626	63	9	given	give	VERB
ajbmeb-2626	63	10	a	a	DET
ajbmeb-2626	63	11	score	score	NOUN
ajbmeb-2626	63	12	of	of	ADP
ajbmeb-2626	63	13	1	1	NUM
ajbmeb-2626	63	14	,	,	PUNCT
ajbmeb-2626	63	15	and	and	CCONJ
ajbmeb-2626	63	16	financially	financially	ADV
ajbmeb-2626	63	17	bankrupt	bankrupt	ADJ
ajbmeb-2626	63	18	banks	bank	NOUN
ajbmeb-2626	63	19	are	be	AUX
ajbmeb-2626	63	20	given	give	VERB
ajbmeb-2626	63	21	5	5	NUM
ajbmeb-2626	63	22	points	point	NOUN
ajbmeb-2626	63	23	.	.	PUNCT
ajbmeb-2626	64	1	in	in	ADP
ajbmeb-2626	64	2	the	the	DET
ajbmeb-2626	64	3	camel	camel	NOUN
ajbmeb-2626	64	4	system	system	NOUN
ajbmeb-2626	64	5	,	,	PUNCT
ajbmeb-2626	64	6	the	the	DET
ajbmeb-2626	64	7	main	main	ADJ
ajbmeb-2626	64	8	focus	focus	NOUN
ajbmeb-2626	64	9	is	be	AUX
ajbmeb-2626	64	10	on	on	ADP
ajbmeb-2626	64	11	the	the	DET
ajbmeb-2626	64	12	adequacy	adequacy	NOUN
ajbmeb-2626	64	13	of	of	ADP
ajbmeb-2626	64	14	banks	bank	NOUN
ajbmeb-2626	64	15	'	'	PART
ajbmeb-2626	64	16	capital	capital	NOUN
ajbmeb-2626	64	17	and	and	CCONJ
ajbmeb-2626	64	18	the	the	DET
ajbmeb-2626	64	19	share	share	NOUN
ajbmeb-2626	64	20	of	of	ADP
ajbmeb-2626	64	21	risky	risky	ADJ
ajbmeb-2626	64	22	assets	asset	NOUN
ajbmeb-2626	64	23	in	in	ADP
ajbmeb-2626	64	24	the	the	DET
ajbmeb-2626	64	25	composition	composition	NOUN
ajbmeb-2626	64	26	of	of	ADP
ajbmeb-2626	64	27	bank	bank	NOUN
ajbmeb-2626	64	28	assets	asset	NOUN
ajbmeb-2626	64	29	.	.	PUNCT
ajbmeb-2626	65	1	the	the	DET
ajbmeb-2626	65	2	amount	amount	NOUN
ajbmeb-2626	65	3	of	of	ADP
ajbmeb-2626	65	4	risky	risky	ADJ
ajbmeb-2626	65	5	assets	asset	NOUN
ajbmeb-2626	65	6	is	be	AUX
ajbmeb-2626	65	7	taken	take	VERB
ajbmeb-2626	65	8	into	into	ADP
ajbmeb-2626	65	9	account	account	NOUN
ajbmeb-2626	65	10	when	when	SCONJ
ajbmeb-2626	65	11	evaluating	evaluate	VERB
ajbmeb-2626	65	12	the	the	DET
ajbmeb-2626	65	13	bank	bank	NOUN
ajbmeb-2626	65	14	's	's	PART
ajbmeb-2626	65	15	capital	capital	NOUN
ajbmeb-2626	65	16	.	.	PUNCT
ajbmeb-2626	66	1	when	when	SCONJ
ajbmeb-2626	66	2	determining	determine	VERB
ajbmeb-2626	66	3	the	the	DET
ajbmeb-2626	66	4	efficiency	efficiency	NOUN
ajbmeb-2626	66	5	of	of	ADP
ajbmeb-2626	66	6	commercial	commercial	ADJ
ajbmeb-2626	66	7	banks	bank	NOUN
ajbmeb-2626	66	8	'	'	PART
ajbmeb-2626	66	9	assets	asset	NOUN
ajbmeb-2626	66	10	in	in	ADP
ajbmeb-2626	66	11	international	international	ADJ
ajbmeb-2626	66	12	operations	operation	NOUN
ajbmeb-2626	66	13	,	,	PUNCT
ajbmeb-2626	66	14	special	special	ADJ
ajbmeb-2626	66	15	attention	attention	NOUN
ajbmeb-2626	66	16	is	be	AUX
ajbmeb-2626	66	17	paid	pay	VERB
ajbmeb-2626	66	18	not	not	PART
ajbmeb-2626	66	19	only	only	ADV
ajbmeb-2626	66	20	to	to	ADP
ajbmeb-2626	66	21	the	the	DET
ajbmeb-2626	66	22	amount	amount	NOUN
ajbmeb-2626	66	23	of	of	ADP
ajbmeb-2626	66	24	income	income	NOUN
ajbmeb-2626	66	25	corresponding	correspond	VERB
ajbmeb-2626	66	26	to	to	ADP
ajbmeb-2626	66	27	the	the	DET
ajbmeb-2626	66	28	share	share	NOUN
ajbmeb-2626	66	29	of	of	ADP
ajbmeb-2626	66	30	assets	asset	NOUN
ajbmeb-2626	66	31	at	at	ADP
ajbmeb-2626	66	32	risk	risk	NOUN
ajbmeb-2626	66	33	but	but	CCONJ
ajbmeb-2626	66	34	also	also	ADV
ajbmeb-2626	66	35	to	to	ADP
ajbmeb-2626	66	36	the	the	DET
ajbmeb-2626	66	37	amount	amount	NOUN
ajbmeb-2626	66	38	of	of	ADP
ajbmeb-2626	66	39	income	income	NOUN
ajbmeb-2626	66	40	corresponding	correspond	VERB
ajbmeb-2626	66	41	to	to	ADP
ajbmeb-2626	66	42	the	the	DET
ajbmeb-2626	66	43	share	share	NOUN
ajbmeb-2626	66	44	of	of	ADP
ajbmeb-2626	66	45	bank	bank	NOUN
ajbmeb-2626	66	46	capital	capital	NOUN
ajbmeb-2626	66	47	and	and	CCONJ
ajbmeb-2626	66	48	borrowed	borrow	VERB
ajbmeb-2626	66	49	funds	fund	NOUN
ajbmeb-2626	66	50	.	.	PUNCT
ajbmeb-2626	67	1	the	the	DET
ajbmeb-2626	67	2	efficiency	efficiency	NOUN
ajbmeb-2626	67	3	of	of	ADP
ajbmeb-2626	67	4	commercial	commercial	ADJ
ajbmeb-2626	67	5	banks	bank	NOUN
ajbmeb-2626	67	6	'	'	PART
ajbmeb-2626	67	7	capital	capital	NOUN
ajbmeb-2626	67	8	and	and	CCONJ
ajbmeb-2626	67	9	borrowed	borrow	VERB
ajbmeb-2626	67	10	funds	fund	NOUN
ajbmeb-2626	67	11	is	be	AUX
ajbmeb-2626	67	12	expressed	express	VERB
ajbmeb-2626	67	13	by	by	ADP
ajbmeb-2626	67	14	the	the	DET
ajbmeb-2626	67	15	following	follow	VERB
ajbmeb-2626	67	16	equations	equation	NOUN
ajbmeb-2626	67	17	.	.	PUNCT
ajbmeb-2626	68	1	roc	roc	PROPN
ajbmeb-2626	68	2	=	=	NOUN
ajbmeb-2626	68	3	bagiap	bagiap	NOUN
ajbmeb-2626	68	4	/	/	SYM
ajbmeb-2626	68	5	eq	eq	NOUN
ajbmeb-2626	68	6	(	(	PUNCT
ajbmeb-2626	68	7	1	1	NUM
ajbmeb-2626	68	8	)	)	PUNCT
ajbmeb-2626	68	9	here	here	ADV
ajbmeb-2626	68	10	:	:	PUNCT
ajbmeb-2626	68	11	roc	roc	PROPN
ajbmeb-2626	68	12	–	–	PUNCT
ajbmeb-2626	68	13	return	return	NOUN
ajbmeb-2626	68	14	on	on	ADP
ajbmeb-2626	68	15	capital	capital	NOUN
ajbmeb-2626	68	16	;	;	PUNCT
ajbmeb-2626	68	17	bagiap	bagiap	NOUN
ajbmeb-2626	68	18	–	–	PUNCT
ajbmeb-2626	68	19	bank	bank	NOUN
ajbmeb-2626	68	20	assets	asset	NOUN
ajbmeb-2626	68	21	that	that	PRON
ajbmeb-2626	68	22	generate	generate	VERB
ajbmeb-2626	68	23	income	income	NOUN
ajbmeb-2626	68	24	in	in	ADP
ajbmeb-2626	68	25	the	the	DET
ajbmeb-2626	68	26	analyzed	analyze	VERB
ajbmeb-2626	68	27	period	period	NOUN
ajbmeb-2626	68	28	;	;	PUNCT
ajbmeb-2626	68	29	eq	eq	NOUN
ajbmeb-2626	68	30	–	–	PUNCT
ajbmeb-2626	68	31	equity	equity	NOUN
ajbmeb-2626	68	32	.	.	PUNCT
ajbmeb-2626	69	1	it	it	PRON
ajbmeb-2626	69	2	is	be	AUX
ajbmeb-2626	69	3	known	know	VERB
ajbmeb-2626	69	4	that	that	SCONJ
ajbmeb-2626	69	5	commercial	commercial	ADJ
ajbmeb-2626	69	6	banks	bank	NOUN
ajbmeb-2626	69	7	are	be	AUX
ajbmeb-2626	69	8	financially	financially	ADV
ajbmeb-2626	69	9	stable	stable	ADJ
ajbmeb-2626	69	10	sources	source	NOUN
ajbmeb-2626	69	11	of	of	ADP
ajbmeb-2626	69	12	capital	capital	NOUN
ajbmeb-2626	69	13	resources	resource	NOUN
ajbmeb-2626	69	14	.	.	PUNCT
ajbmeb-2626	70	1	loans	loan	NOUN
ajbmeb-2626	70	2	issued	issue	VERB
ajbmeb-2626	70	3	from	from	ADP
ajbmeb-2626	70	4	these	these	DET
ajbmeb-2626	70	5	funds	fund	NOUN
ajbmeb-2626	70	6	do	do	AUX
ajbmeb-2626	70	7	not	not	PART
ajbmeb-2626	70	8	have	have	VERB
ajbmeb-2626	70	9	a	a	DET
ajbmeb-2626	70	10	direct	direct	ADJ
ajbmeb-2626	70	11	negative	negative	ADJ
ajbmeb-2626	70	12	impact	impact	NOUN
ajbmeb-2626	70	13	on	on	ADP
ajbmeb-2626	70	14	the	the	DET
ajbmeb-2626	70	15	bank	bank	NOUN
ajbmeb-2626	70	16	's	's	PART
ajbmeb-2626	70	17	liquidity	liquidity	NOUN
ajbmeb-2626	70	18	level	level	NOUN
ajbmeb-2626	70	19	.	.	PUNCT
ajbmeb-2626	71	1	in	in	ADP
ajbmeb-2626	71	2	this	this	DET
ajbmeb-2626	71	3	regard	regard	NOUN
ajbmeb-2626	71	4	,	,	PUNCT
ajbmeb-2626	71	5	commercial	commercial	ADJ
ajbmeb-2626	71	6	banks	bank	NOUN
ajbmeb-2626	71	7	can	can	AUX
ajbmeb-2626	71	8	invest	invest	VERB
ajbmeb-2626	71	9	these	these	DET
ajbmeb-2626	71	10	funds	fund	NOUN
ajbmeb-2626	71	11	in	in	ADP
ajbmeb-2626	71	12	long	long	ADJ
ajbmeb-2626	71	13	-	-	PUNCT
ajbmeb-2626	71	14	term	term	NOUN
ajbmeb-2626	71	15	assets	asset	NOUN
ajbmeb-2626	71	16	without	without	ADP
ajbmeb-2626	71	17	excessive	excessive	ADJ
ajbmeb-2626	71	18	risks	risk	NOUN
ajbmeb-2626	71	19	and	and	CCONJ
ajbmeb-2626	71	20	financial	financial	ADJ
ajbmeb-2626	71	21	problems	problem	NOUN
ajbmeb-2626	71	22	.	.	PUNCT
ajbmeb-2626	72	1	in	in	ADP
ajbmeb-2626	72	2	international	international	ADJ
ajbmeb-2626	72	3	operations	operation	NOUN
ajbmeb-2626	72	4	,	,	PUNCT
ajbmeb-2626	72	5	the	the	DET
ajbmeb-2626	72	6	ratio	ratio	NOUN
ajbmeb-2626	72	7	of	of	ADP
ajbmeb-2626	72	8	income	income	NOUN
ajbmeb-2626	72	9	from	from	ADP
ajbmeb-2626	72	10	risky	risky	ADJ
ajbmeb-2626	72	11	assets	asset	NOUN
ajbmeb-2626	72	12	to	to	ADP
ajbmeb-2626	72	13	one	one	NUM
ajbmeb-2626	72	14	som	som	NOUN
ajbmeb-2626	72	15	of	of	ADP
ajbmeb-2626	72	16	bank	bank	NOUN
ajbmeb-2626	72	17	capital	capital	NOUN
ajbmeb-2626	72	18	is	be	AUX
ajbmeb-2626	72	19	0.150.20	0.150.20	NUM
ajbmeb-2626	72	20	.	.	PUNCT
ajbmeb-2626	73	1	this	this	DET
ajbmeb-2626	73	2	degree	degree	NOUN
ajbmeb-2626	73	3	is	be	AUX
ajbmeb-2626	73	4	calculated	calculate	VERB
ajbmeb-2626	73	5	using	use	VERB
ajbmeb-2626	73	6	the	the	DET
ajbmeb-2626	73	7	following	follow	VERB
ajbmeb-2626	73	8	utility	utility	NOUN
ajbmeb-2626	73	9	coefficient	coefficient	NOUN
ajbmeb-2626	73	10	.	.	PUNCT
ajbmeb-2626	74	1	prfr=	prfr=	NUM
ajbmeb-2626	74	2	bagiap	bagiap	NOUN
ajbmeb-2626	74	3	/	/	SYM
ajbmeb-2626	74	4	frap	frap	NOUN
ajbmeb-2626	74	5	(	(	PUNCT
ajbmeb-2626	74	6	2	2	NUM
ajbmeb-2626	74	7	)	)	PUNCT
ajbmeb-2626	74	8	here	here	ADV
ajbmeb-2626	74	9	:	:	PUNCT
ajbmeb-2626	74	10	bagiap	bagiap	NOUN
ajbmeb-2626	74	11	–	–	PUNCT
ajbmeb-2626	74	12	bank	bank	NOUN
ajbmeb-2626	74	13	assets	asset	NOUN
ajbmeb-2626	74	14	that	that	PRON
ajbmeb-2626	74	15	generate	generate	VERB
ajbmeb-2626	74	16	income	income	NOUN
ajbmeb-2626	74	17	in	in	ADP
ajbmeb-2626	74	18	the	the	DET
ajbmeb-2626	74	19	analyzed	analyze	VERB
ajbmeb-2626	74	20	period	period	NOUN
ajbmeb-2626	74	21	;	;	PUNCT
ajbmeb-2626	74	22	frap	frap	NOUN
ajbmeb-2626	74	23	–	–	PUNCT
ajbmeb-2626	74	24	funds	fund	NOUN
ajbmeb-2626	74	25	raised	raise	VERB
ajbmeb-2626	74	26	during	during	ADP
ajbmeb-2626	74	27	the	the	DET
ajbmeb-2626	74	28	analyzed	analyze	VERB
ajbmeb-2626	74	29	period	period	NOUN
ajbmeb-2626	74	30	.	.	PUNCT
ajbmeb-2626	75	1	we	we	PRON
ajbmeb-2626	75	2	know	know	VERB
ajbmeb-2626	75	3	that	that	SCONJ
ajbmeb-2626	75	4	the	the	DET
ajbmeb-2626	75	5	share	share	NOUN
ajbmeb-2626	75	6	of	of	ADP
ajbmeb-2626	75	7	attracted	attract	VERB
ajbmeb-2626	75	8	funds	fund	NOUN
ajbmeb-2626	75	9	in	in	ADP
ajbmeb-2626	75	10	the	the	DET
ajbmeb-2626	75	11	resources	resource	NOUN
ajbmeb-2626	75	12	of	of	ADP
ajbmeb-2626	75	13	commercial	commercial	ADJ
ajbmeb-2626	75	14	banks	bank	NOUN
ajbmeb-2626	75	15	is	be	AUX
ajbmeb-2626	75	16	high	high	ADJ
ajbmeb-2626	75	17	.	.	PUNCT
ajbmeb-2626	76	1	if	if	SCONJ
ajbmeb-2626	76	2	these	these	DET
ajbmeb-2626	76	3	funds	fund	NOUN
ajbmeb-2626	76	4	are	be	AUX
ajbmeb-2626	76	5	not	not	PART
ajbmeb-2626	76	6	used	use	VERB
ajbmeb-2626	76	7	effectively	effectively	ADV
ajbmeb-2626	76	8	in	in	ADP
ajbmeb-2626	76	9	the	the	DET
ajbmeb-2626	76	10	process	process	NOUN
ajbmeb-2626	76	11	of	of	ADP
ajbmeb-2626	76	12	asset	asset	NOUN
ajbmeb-2626	76	13	operations	operation	NOUN
ajbmeb-2626	76	14	of	of	ADP
ajbmeb-2626	76	15	the	the	DET
ajbmeb-2626	76	16	bank	bank	NOUN
ajbmeb-2626	76	17	,	,	PUNCT
ajbmeb-2626	76	18	the	the	DET
ajbmeb-2626	76	19	bank	bank	NOUN
ajbmeb-2626	76	20	will	will	AUX
ajbmeb-2626	76	21	be	be	AUX
ajbmeb-2626	76	22	in	in	ADP
ajbmeb-2626	76	23	a	a	DET
ajbmeb-2626	76	24	difficult	difficult	ADJ
ajbmeb-2626	76	25	situation	situation	NOUN
ajbmeb-2626	76	26	from	from	ADP
ajbmeb-2626	76	27	the	the	DET
ajbmeb-2626	76	28	financial	financial	ADJ
ajbmeb-2626	76	29	point	point	NOUN
ajbmeb-2626	76	30	of	of	ADP
ajbmeb-2626	76	31	view	view	NOUN
ajbmeb-2626	76	32	.	.	PUNCT
ajbmeb-2626	77	1	at	at	ADP
ajbmeb-2626	77	2	the	the	DET
ajbmeb-2626	77	3	same	same	ADJ
ajbmeb-2626	77	4	time	time	NOUN
ajbmeb-2626	77	5	,	,	PUNCT
ajbmeb-2626	77	6	several	several	ADJ
ajbmeb-2626	77	7	problems	problem	NOUN
ajbmeb-2626	77	8	will	will	AUX
ajbmeb-2626	77	9	arise	arise	VERB
ajbmeb-2626	77	10	in	in	ADP
ajbmeb-2626	77	11	fulfilling	fulfil	VERB
ajbmeb-2626	77	12	obligations	obligation	NOUN
ajbmeb-2626	77	13	to	to	ADP
ajbmeb-2626	77	14	bank	bank	NOUN
ajbmeb-2626	77	15	depositors	depositor	NOUN
ajbmeb-2626	77	16	and	and	CCONJ
ajbmeb-2626	77	17	clients	client	NOUN
ajbmeb-2626	77	18	.	.	PUNCT
ajbmeb-2626	78	1	of	of	ADP
ajbmeb-2626	78	2	course	course	ADV
ajbmeb-2626	78	3	,	,	PUNCT
ajbmeb-2626	78	4	to	to	PART
ajbmeb-2626	78	5	effectively	effectively	ADV
ajbmeb-2626	78	6	use	use	VERB
ajbmeb-2626	78	7	these	these	DET
ajbmeb-2626	78	8	funds	fund	NOUN
ajbmeb-2626	78	9	,	,	PUNCT
ajbmeb-2626	78	10	it	it	PRON
ajbmeb-2626	78	11	is	be	AUX
ajbmeb-2626	78	12	necessary	necessary	ADJ
ajbmeb-2626	78	13	to	to	PART
ajbmeb-2626	78	14	allocate	allocate	VERB
ajbmeb-2626	78	15	them	they	PRON
ajbmeb-2626	78	16	to	to	ADP
ajbmeb-2626	78	17	effective	effective	ADJ
ajbmeb-2626	78	18	purposes	purpose	NOUN
ajbmeb-2626	78	19	,	,	PUNCT
ajbmeb-2626	78	20	that	that	ADV
ajbmeb-2626	78	21	is	be	AUX
ajbmeb-2626	78	22	,	,	PUNCT
ajbmeb-2626	78	23	assets	asset	NOUN
ajbmeb-2626	78	24	.	.	PUNCT
ajbmeb-2626	79	1	with	with	ADP
ajbmeb-2626	79	2	the	the	DET
ajbmeb-2626	79	3	help	help	NOUN
ajbmeb-2626	79	4	of	of	ADP
ajbmeb-2626	79	5	the	the	DET
ajbmeb-2626	79	6	second	second	ADJ
ajbmeb-2626	79	7	equality	equality	NOUN
ajbmeb-2626	79	8	,	,	PUNCT
ajbmeb-2626	79	9	we	we	PRON
ajbmeb-2626	79	10	can	can	AUX
ajbmeb-2626	79	11	determine	determine	VERB
ajbmeb-2626	79	12	the	the	DET
ajbmeb-2626	79	13	profitability	profitability	NOUN
ajbmeb-2626	79	14	ratio	ratio	NOUN
ajbmeb-2626	79	15	of	of	ADP
ajbmeb-2626	79	16	the	the	DET
ajbmeb-2626	79	17	borrowed	borrow	VERB
ajbmeb-2626	79	18	funds	fund	NOUN
ajbmeb-2626	79	19	of	of	ADP
ajbmeb-2626	79	20	commercial	commercial	ADJ
ajbmeb-2626	79	21	banks	bank	NOUN
ajbmeb-2626	79	22	.	.	PUNCT
ajbmeb-2626	80	1	the	the	DET
ajbmeb-2626	80	2	denominator	denominator	NOUN
ajbmeb-2626	80	3	of	of	ADP
ajbmeb-2626	80	4	the	the	DET
ajbmeb-2626	80	5	equation	equation	NOUN
ajbmeb-2626	80	6	is	be	AUX
ajbmeb-2626	80	7	the	the	DET
ajbmeb-2626	80	8	net	net	ADJ
ajbmeb-2626	80	9	amount	amount	NOUN
ajbmeb-2626	80	10	of	of	ADP
ajbmeb-2626	80	11	the	the	DET
ajbmeb-2626	80	12	commercial	commercial	ADJ
ajbmeb-2626	80	13	banks	bank	NOUN
ajbmeb-2626	80	14	'	'	PART
ajbmeb-2626	80	15	loans	loan	NOUN
ajbmeb-2626	80	16	.	.	PUNCT
ajbmeb-2626	81	1	usually	usually	ADV
ajbmeb-2626	81	2	,	,	PUNCT
ajbmeb-2626	81	3	in	in	ADP
ajbmeb-2626	81	4	international	international	ADJ
ajbmeb-2626	81	5	banking	banking	NOUN
ajbmeb-2626	81	6	,	,	PUNCT
ajbmeb-2626	81	7	if	if	SCONJ
ajbmeb-2626	81	8	this	this	DET
ajbmeb-2626	81	9	ratio	ratio	NOUN
ajbmeb-2626	81	10	is	be	AUX
ajbmeb-2626	81	11	0.12	0.12	NUM
ajbmeb-2626	81	12	-	-	SYM
ajbmeb-2626	81	13	0.16	0.16	NUM
ajbmeb-2626	81	14	,	,	PUNCT
ajbmeb-2626	81	15	it	it	PRON
ajbmeb-2626	81	16	indicates	indicate	VERB
ajbmeb-2626	81	17	that	that	SCONJ
ajbmeb-2626	81	18	the	the	DET
ajbmeb-2626	81	19	borrowed	borrow	VERB
ajbmeb-2626	81	20	funds	fund	NOUN
ajbmeb-2626	81	21	are	be	AUX
ajbmeb-2626	81	22	invested	invest	VERB
ajbmeb-2626	81	23	in	in	ADP
ajbmeb-2626	81	24	effective	effective	ADJ
ajbmeb-2626	81	25	assets	asset	NOUN
ajbmeb-2626	81	26	.	.	PUNCT
ajbmeb-2626	82	1	using	use	VERB
ajbmeb-2626	82	2	the	the	DET
ajbmeb-2626	82	3	above	above	ADJ
ajbmeb-2626	82	4	two	two	NUM
ajbmeb-2626	82	5	equations	equation	NOUN
ajbmeb-2626	82	6	,	,	PUNCT
ajbmeb-2626	82	7	it	it	PRON
ajbmeb-2626	82	8	is	be	AUX
ajbmeb-2626	82	9	the	the	DET
ajbmeb-2626	82	10	profitability	profitability	NOUN
ajbmeb-2626	82	11	coefficient	coefficient	NOUN
ajbmeb-2626	82	12	of	of	ADP
ajbmeb-2626	82	13	all	all	DET
ajbmeb-2626	82	14	types	type	NOUN
ajbmeb-2626	82	15	of	of	ADP
ajbmeb-2626	82	16	funds	fund	NOUN
ajbmeb-2626	82	17	attracted	attract	VERB
ajbmeb-2626	82	18	to	to	ADP
ajbmeb-2626	82	19	commercial	commercial	ADJ
ajbmeb-2626	82	20	banks	bank	NOUN
ajbmeb-2626	82	21	.	.	PUNCT
ajbmeb-2626	83	1	with	with	ADP
ajbmeb-2626	83	2	the	the	DET
ajbmeb-2626	83	3	help	help	NOUN
ajbmeb-2626	83	4	of	of	ADP
ajbmeb-2626	83	5	the	the	DET
ajbmeb-2626	83	6	following	follow	VERB
ajbmeb-2626	83	7	equality	equality	NOUN
ajbmeb-2626	83	8	,	,	PUNCT
ajbmeb-2626	83	9	the	the	DET
ajbmeb-2626	83	10	coefficient	coefficient	NOUN
ajbmeb-2626	83	11	of	of	ADP
ajbmeb-2626	83	12	profitability	profitability	NOUN
ajbmeb-2626	83	13	of	of	ADP
ajbmeb-2626	83	14	fixedterm	fixedterm	NOUN
ajbmeb-2626	83	15	,	,	PUNCT
ajbmeb-2626	83	16	i.e.	i.e.	X
ajbmeb-2626	83	17	stable	stable	ADJ
ajbmeb-2626	83	18	,	,	PUNCT
ajbmeb-2626	83	19	funds	fund	NOUN
ajbmeb-2626	83	20	attracted	attract	VERB
ajbmeb-2626	83	21	to	to	ADP
ajbmeb-2626	83	22	the	the	DET
ajbmeb-2626	83	23	bank	bank	NOUN
ajbmeb-2626	83	24	is	be	AUX
ajbmeb-2626	83	25	determined	determine	VERB
ajbmeb-2626	83	26	.	.	PUNCT
ajbmeb-2626	84	1	american	american	ADJ
ajbmeb-2626	84	2	journal	journal	PROPN
ajbmeb-2626	84	3	of	of	ADP
ajbmeb-2626	84	4	business	business	NOUN
ajbmeb-2626	84	5	management	management	NOUN
ajbmeb-2626	84	6	,	,	PUNCT
ajbmeb-2626	84	7	economics	economic	NOUN
ajbmeb-2626	84	8	and	and	CCONJ
ajbmeb-2626	84	9	banking	banking	NOUN
ajbmeb-2626	84	10	volume	volume	NOUN
ajbmeb-2626	84	11	32	32	NUM
ajbmeb-2626	84	12	january	january	PROPN
ajbmeb-2626	84	13	2025	2025	NUM
ajbmeb-2626	84	14	p	p	NOUN
ajbmeb-2626	84	15	a	a	DET
ajbmeb-2626	84	16	g	g	NOUN
ajbmeb-2626	84	17	e	e	NOUN
ajbmeb-2626	84	18	|	|	ADV
ajbmeb-2626	84	19	21	21	NUM
ajbmeb-2626	84	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	84	21	prbf	prbf	VERB
ajbmeb-2626	84	22	=	=	NOUN
ajbmeb-2626	84	23	i/(dt+ccb+lob	i/(dt+ccb+lob	NOUN
ajbmeb-2626	84	24	)	)	PUNCT
ajbmeb-2626	84	25	(	(	PUNCT
ajbmeb-2626	84	26	3	3	X
ajbmeb-2626	84	27	)	)	PUNCT
ajbmeb-2626	84	28	here	here	ADV
ajbmeb-2626	84	29	:	:	PUNCT
ajbmeb-2626	84	30	i	i	PRON
ajbmeb-2626	84	31	–	–	PUNCT
ajbmeb-2626	84	32	income	income	NOUN
ajbmeb-2626	84	33	prbf	prbf	NOUN
ajbmeb-2626	84	34	–	–	PUNCT
ajbmeb-2626	84	35	profitability	profitability	NOUN
ajbmeb-2626	84	36	ratio	ratio	NOUN
ajbmeb-2626	84	37	of	of	ADP
ajbmeb-2626	84	38	borrowed	borrow	VERB
ajbmeb-2626	84	39	funds	fund	NOUN
ajbmeb-2626	84	40	;	;	PUNCT
ajbmeb-2626	84	41	dt	dt	ADJ
ajbmeb-2626	84	42	–	–	PUNCT
ajbmeb-2626	84	43	time	time	NOUN
ajbmeb-2626	84	44	deposits	deposit	NOUN
ajbmeb-2626	84	45	;	;	PUNCT
ajbmeb-2626	84	46	ccb	ccb	PROPN
ajbmeb-2626	84	47	–	–	PUNCT
ajbmeb-2626	84	48	credits	credit	NOUN
ajbmeb-2626	84	49	of	of	ADP
ajbmeb-2626	84	50	the	the	DET
ajbmeb-2626	84	51	central	central	ADJ
ajbmeb-2626	84	52	bank	bank	NOUN
ajbmeb-2626	84	53	;	;	PUNCT
ajbmeb-2626	84	54	lob	lob	NOUN
ajbmeb-2626	84	55	–	–	PUNCT
ajbmeb-2626	84	56	loans	loan	NOUN
ajbmeb-2626	84	57	from	from	ADP
ajbmeb-2626	84	58	other	other	ADJ
ajbmeb-2626	84	59	banks	bank	NOUN
ajbmeb-2626	84	60	.	.	PUNCT
ajbmeb-2626	85	1	this	this	DET
ajbmeb-2626	85	2	third	third	ADJ
ajbmeb-2626	85	3	equality	equality	NOUN
ajbmeb-2626	85	4	determines	determine	VERB
ajbmeb-2626	85	5	the	the	DET
ajbmeb-2626	85	6	level	level	NOUN
ajbmeb-2626	85	7	of	of	ADP
ajbmeb-2626	85	8	use	use	NOUN
ajbmeb-2626	85	9	of	of	ADP
ajbmeb-2626	85	10	fixed	fix	VERB
ajbmeb-2626	85	11	-	-	PUNCT
ajbmeb-2626	85	12	term	term	NOUN
ajbmeb-2626	85	13	funds	fund	NOUN
ajbmeb-2626	85	14	raised	raise	VERB
ajbmeb-2626	85	15	by	by	ADP
ajbmeb-2626	85	16	commercial	commercial	ADJ
ajbmeb-2626	85	17	banks	bank	NOUN
ajbmeb-2626	85	18	as	as	ADP
ajbmeb-2626	85	19	a	a	DET
ajbmeb-2626	85	20	result	result	NOUN
ajbmeb-2626	85	21	of	of	ADP
ajbmeb-2626	85	22	asset	asset	NOUN
ajbmeb-2626	85	23	transactions	transaction	NOUN
ajbmeb-2626	85	24	.	.	PUNCT
ajbmeb-2626	86	1	according	accord	VERB
ajbmeb-2626	86	2	to	to	ADP
ajbmeb-2626	86	3	him	he	PRON
ajbmeb-2626	86	4	,	,	PUNCT
ajbmeb-2626	86	5	if	if	SCONJ
ajbmeb-2626	86	6	this	this	DET
ajbmeb-2626	86	7	indicator	indicator	NOUN
ajbmeb-2626	86	8	consists	consist	VERB
ajbmeb-2626	86	9	of	of	ADP
ajbmeb-2626	86	10	a	a	DET
ajbmeb-2626	86	11	coefficient	coefficient	NOUN
ajbmeb-2626	86	12	of	of	ADP
ajbmeb-2626	86	13	0.18	0.18	NUM
ajbmeb-2626	86	14	-	-	SYM
ajbmeb-2626	86	15	0.22	0.22	NUM
ajbmeb-2626	86	16	in	in	ADP
ajbmeb-2626	86	17	the	the	DET
ajbmeb-2626	86	18	analyzed	analyze	VERB
ajbmeb-2626	86	19	period	period	NOUN
ajbmeb-2626	86	20	,	,	PUNCT
ajbmeb-2626	86	21	it	it	PRON
ajbmeb-2626	86	22	means	mean	VERB
ajbmeb-2626	86	23	that	that	SCONJ
ajbmeb-2626	86	24	the	the	DET
ajbmeb-2626	86	25	bank	bank	NOUN
ajbmeb-2626	86	26	's	's	PART
ajbmeb-2626	86	27	assets	asset	NOUN
ajbmeb-2626	86	28	are	be	AUX
ajbmeb-2626	86	29	allocated	allocate	VERB
ajbmeb-2626	86	30	to	to	ADP
ajbmeb-2626	86	31	effective	effective	ADJ
ajbmeb-2626	86	32	purposes	purpose	NOUN
ajbmeb-2626	86	33	.	.	PUNCT
ajbmeb-2626	87	1	in	in	ADP
ajbmeb-2626	87	2	international	international	ADJ
ajbmeb-2626	87	3	operations	operation	NOUN
ajbmeb-2626	87	4	,	,	PUNCT
ajbmeb-2626	87	5	one	one	NUM
ajbmeb-2626	87	6	of	of	ADP
ajbmeb-2626	87	7	the	the	DET
ajbmeb-2626	87	8	other	other	ADJ
ajbmeb-2626	87	9	indicators	indicator	NOUN
ajbmeb-2626	87	10	that	that	PRON
ajbmeb-2626	87	11	determine	determine	VERB
ajbmeb-2626	87	12	the	the	DET
ajbmeb-2626	87	13	efficiency	efficiency	NOUN
ajbmeb-2626	87	14	of	of	ADP
ajbmeb-2626	87	15	commercial	commercial	ADJ
ajbmeb-2626	87	16	banks	bank	NOUN
ajbmeb-2626	87	17	'	'	PART
ajbmeb-2626	87	18	assets	asset	NOUN
ajbmeb-2626	87	19	is	be	AUX
ajbmeb-2626	87	20	the	the	DET
ajbmeb-2626	87	21	volume	volume	NOUN
ajbmeb-2626	87	22	of	of	ADP
ajbmeb-2626	87	23	income	income	NOUN
ajbmeb-2626	87	24	corresponding	correspond	VERB
ajbmeb-2626	87	25	to	to	ADP
ajbmeb-2626	87	26	each	each	DET
ajbmeb-2626	87	27	soum	soum	NOUN
ajbmeb-2626	87	28	asset	asset	NOUN
ajbmeb-2626	87	29	of	of	ADP
ajbmeb-2626	87	30	the	the	DET
ajbmeb-2626	87	31	bank	bank	NOUN
ajbmeb-2626	87	32	,	,	PUNCT
ajbmeb-2626	87	33	which	which	PRON
ajbmeb-2626	87	34	is	be	AUX
ajbmeb-2626	87	35	calculated	calculate	VERB
ajbmeb-2626	87	36	using	use	VERB
ajbmeb-2626	87	37	the	the	DET
ajbmeb-2626	87	38	following	follow	VERB
ajbmeb-2626	87	39	equation	equation	NOUN
ajbmeb-2626	87	40	:	:	PUNCT
ajbmeb-2626	87	41	aur	aur	PROPN
ajbmeb-2626	87	42	=	=	PROPN
ajbmeb-2626	87	43	aig	aig	PROPN
ajbmeb-2626	87	44	/	/	SYM
ajbmeb-2626	87	45	bn	bn	PROPN
ajbmeb-2626	87	46	(	(	PUNCT
ajbmeb-2626	87	47	4	4	NUM
ajbmeb-2626	87	48	)	)	PUNCT
ajbmeb-2626	87	49	here	here	ADV
ajbmeb-2626	87	50	:	:	PUNCT
ajbmeb-2626	87	51	aur	aur	PROPN
ajbmeb-2626	87	52	–	–	PUNCT
ajbmeb-2626	87	53	asset	asset	NOUN
ajbmeb-2626	87	54	utilization	utilization	NOUN
ajbmeb-2626	87	55	ratio	ratio	NOUN
ajbmeb-2626	87	56	;	;	PUNCT
ajbmeb-2626	87	57	aig	aig	PROPN
ajbmeb-2626	87	58	–	–	PUNCT
ajbmeb-2626	87	59	income	income	NOUN
ajbmeb-2626	87	60	generating	generating	NOUN
ajbmeb-2626	87	61	assets	asset	NOUN
ajbmeb-2626	87	62	;	;	PUNCT
ajbmeb-2626	87	63	bn	bn	X
ajbmeb-2626	87	64	–	–	PUNCT
ajbmeb-2626	87	65	net	net	ADJ
ajbmeb-2626	87	66	balance	balance	NOUN
ajbmeb-2626	87	67	.	.	PUNCT
ajbmeb-2626	88	1	it	it	PRON
ajbmeb-2626	88	2	should	should	AUX
ajbmeb-2626	88	3	be	be	AUX
ajbmeb-2626	88	4	emphasized	emphasize	VERB
ajbmeb-2626	88	5	that	that	SCONJ
ajbmeb-2626	88	6	in	in	ADP
ajbmeb-2626	88	7	the	the	DET
ajbmeb-2626	88	8	calculation	calculation	NOUN
ajbmeb-2626	88	9	of	of	ADP
ajbmeb-2626	88	10	the	the	DET
ajbmeb-2626	88	11	fourth	fourth	ADJ
ajbmeb-2626	88	12	equality	equality	NOUN
ajbmeb-2626	88	13	,	,	PUNCT
ajbmeb-2626	88	14	not	not	PART
ajbmeb-2626	88	15	the	the	DET
ajbmeb-2626	88	16	one	one	NUM
ajbmeb-2626	88	17	-	-	PUNCT
ajbmeb-2626	88	18	day	day	NOUN
ajbmeb-2626	88	19	economic	economic	ADJ
ajbmeb-2626	88	20	results	result	NOUN
ajbmeb-2626	88	21	of	of	ADP
ajbmeb-2626	88	22	the	the	DET
ajbmeb-2626	88	23	bank	bank	NOUN
ajbmeb-2626	88	24	,	,	PUNCT
ajbmeb-2626	88	25	but	but	CCONJ
ajbmeb-2626	88	26	the	the	DET
ajbmeb-2626	88	27	data	datum	NOUN
ajbmeb-2626	88	28	on	on	ADP
ajbmeb-2626	88	29	the	the	DET
ajbmeb-2626	88	30	long	long	ADJ
ajbmeb-2626	88	31	-	-	PUNCT
ajbmeb-2626	88	32	term	term	NOUN
ajbmeb-2626	88	33	financial	financial	ADJ
ajbmeb-2626	88	34	situation	situation	NOUN
ajbmeb-2626	88	35	are	be	AUX
ajbmeb-2626	88	36	used	use	VERB
ajbmeb-2626	88	37	.	.	PUNCT
ajbmeb-2626	89	1	conclusion	conclusion	NOUN
ajbmeb-2626	89	2	in	in	ADP
ajbmeb-2626	89	3	conclusion	conclusion	NOUN
ajbmeb-2626	89	4	,	,	PUNCT
ajbmeb-2626	89	5	the	the	DET
ajbmeb-2626	89	6	advanced	advanced	ADJ
ajbmeb-2626	89	7	practices	practice	NOUN
ajbmeb-2626	89	8	of	of	ADP
ajbmeb-2626	89	9	banks	bank	NOUN
ajbmeb-2626	89	10	in	in	ADP
ajbmeb-2626	89	11	developed	develop	VERB
ajbmeb-2626	89	12	countries	country	NOUN
ajbmeb-2626	89	13	such	such	ADJ
ajbmeb-2626	89	14	as	as	ADP
ajbmeb-2626	89	15	the	the	DET
ajbmeb-2626	89	16	usa	usa	PROPN
ajbmeb-2626	89	17	,	,	PUNCT
ajbmeb-2626	89	18	the	the	DET
ajbmeb-2626	89	19	european	european	PROPN
ajbmeb-2626	89	20	union	union	PROPN
ajbmeb-2626	89	21	,	,	PUNCT
ajbmeb-2626	89	22	japan	japan	PROPN
ajbmeb-2626	89	23	,	,	PUNCT
ajbmeb-2626	89	24	and	and	CCONJ
ajbmeb-2626	89	25	south	south	PROPN
ajbmeb-2626	89	26	korea	korea	PROPN
ajbmeb-2626	89	27	on	on	ADP
ajbmeb-2626	89	28	increasing	increase	VERB
ajbmeb-2626	89	29	asset	asset	NOUN
ajbmeb-2626	89	30	efficiency	efficiency	NOUN
ajbmeb-2626	89	31	have	have	AUX
ajbmeb-2626	89	32	been	be	AUX
ajbmeb-2626	89	33	analyzed	analyze	VERB
ajbmeb-2626	89	34	.	.	PUNCT
ajbmeb-2626	90	1	in	in	ADP
ajbmeb-2626	90	2	these	these	DET
ajbmeb-2626	90	3	countries	country	NOUN
ajbmeb-2626	90	4	,	,	PUNCT
ajbmeb-2626	90	5	innovative	innovative	ADJ
ajbmeb-2626	90	6	technologies	technology	NOUN
ajbmeb-2626	90	7	,	,	PUNCT
ajbmeb-2626	90	8	such	such	ADJ
ajbmeb-2626	90	9	as	as	ADP
ajbmeb-2626	90	10	artificial	artificial	ADJ
ajbmeb-2626	90	11	intelligence	intelligence	NOUN
ajbmeb-2626	90	12	and	and	CCONJ
ajbmeb-2626	90	13	big	big	ADJ
ajbmeb-2626	90	14	data	datum	NOUN
ajbmeb-2626	90	15	analysis	analysis	NOUN
ajbmeb-2626	90	16	,	,	PUNCT
ajbmeb-2626	90	17	asset	asset	NOUN
ajbmeb-2626	90	18	diversification	diversification	NOUN
ajbmeb-2626	90	19	,	,	PUNCT
ajbmeb-2626	90	20	"	"	PUNCT
ajbmeb-2626	90	21	green	green	ADJ
ajbmeb-2626	90	22	financing	financing	NOUN
ajbmeb-2626	90	23	"	"	PUNCT
ajbmeb-2626	90	24	and	and	CCONJ
ajbmeb-2626	90	25	effective	effective	ADJ
ajbmeb-2626	90	26	regulation	regulation	NOUN
ajbmeb-2626	90	27	systems	system	NOUN
ajbmeb-2626	90	28	are	be	AUX
ajbmeb-2626	90	29	of	of	ADP
ajbmeb-2626	90	30	primary	primary	ADJ
ajbmeb-2626	90	31	importance	importance	NOUN
ajbmeb-2626	90	32	in	in	ADP
ajbmeb-2626	90	33	achieving	achieve	VERB
ajbmeb-2626	90	34	the	the	DET
ajbmeb-2626	90	35	efficiency	efficiency	NOUN
ajbmeb-2626	90	36	of	of	ADP
ajbmeb-2626	90	37	bank	bank	NOUN
ajbmeb-2626	90	38	assets	asset	NOUN
ajbmeb-2626	90	39	.	.	PUNCT
ajbmeb-2626	91	1	from	from	ADP
ajbmeb-2626	91	2	this	this	DET
ajbmeb-2626	91	3	point	point	NOUN
ajbmeb-2626	91	4	of	of	ADP
ajbmeb-2626	91	5	view	view	NOUN
ajbmeb-2626	91	6	,	,	PUNCT
ajbmeb-2626	91	7	we	we	PRON
ajbmeb-2626	91	8	have	have	AUX
ajbmeb-2626	91	9	developed	develop	VERB
ajbmeb-2626	91	10	the	the	DET
ajbmeb-2626	91	11	following	following	ADJ
ajbmeb-2626	91	12	suggestions	suggestion	NOUN
ajbmeb-2626	91	13	:	:	PUNCT
ajbmeb-2626	92	1	1	1	X
ajbmeb-2626	92	2	.	.	X
ajbmeb-2626	92	3	it	it	PRON
ajbmeb-2626	92	4	is	be	AUX
ajbmeb-2626	92	5	necessary	necessary	ADJ
ajbmeb-2626	92	6	to	to	PART
ajbmeb-2626	92	7	introduce	introduce	VERB
ajbmeb-2626	92	8	innovative	innovative	ADJ
ajbmeb-2626	92	9	technologies	technology	NOUN
ajbmeb-2626	92	10	in	in	ADP
ajbmeb-2626	92	11	the	the	DET
ajbmeb-2626	92	12	management	management	NOUN
ajbmeb-2626	92	13	of	of	ADP
ajbmeb-2626	92	14	bank	bank	NOUN
ajbmeb-2626	92	15	assets	asset	NOUN
ajbmeb-2626	92	16	.	.	PUNCT
ajbmeb-2626	93	1	in	in	ADP
ajbmeb-2626	93	2	the	the	DET
ajbmeb-2626	93	3	banking	banking	NOUN
ajbmeb-2626	93	4	system	system	NOUN
ajbmeb-2626	93	5	of	of	ADP
ajbmeb-2626	93	6	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	93	7	,	,	PUNCT
ajbmeb-2626	93	8	it	it	PRON
ajbmeb-2626	93	9	is	be	AUX
ajbmeb-2626	93	10	necessary	necessary	ADJ
ajbmeb-2626	93	11	to	to	PART
ajbmeb-2626	93	12	create	create	VERB
ajbmeb-2626	93	13	an	an	DET
ajbmeb-2626	93	14	opportunity	opportunity	NOUN
ajbmeb-2626	93	15	to	to	PART
ajbmeb-2626	93	16	increase	increase	VERB
ajbmeb-2626	93	17	the	the	DET
ajbmeb-2626	93	18	efficiency	efficiency	NOUN
ajbmeb-2626	93	19	of	of	ADP
ajbmeb-2626	93	20	assets	asset	NOUN
ajbmeb-2626	93	21	through	through	ADP
ajbmeb-2626	93	22	the	the	DET
ajbmeb-2626	93	23	extensive	extensive	ADJ
ajbmeb-2626	93	24	use	use	NOUN
ajbmeb-2626	93	25	of	of	ADP
ajbmeb-2626	93	26	artificial	artificial	ADJ
ajbmeb-2626	93	27	intelligence	intelligence	NOUN
ajbmeb-2626	93	28	,	,	PUNCT
ajbmeb-2626	93	29	big	big	ADJ
ajbmeb-2626	93	30	data	datum	NOUN
ajbmeb-2626	93	31	analysis	analysis	NOUN
ajbmeb-2626	93	32	,	,	PUNCT
ajbmeb-2626	93	33	and	and	CCONJ
ajbmeb-2626	93	34	digital	digital	ADJ
ajbmeb-2626	93	35	technologies	technology	NOUN
ajbmeb-2626	93	36	.	.	PUNCT
ajbmeb-2626	94	1	this	this	PRON
ajbmeb-2626	94	2	is	be	AUX
ajbmeb-2626	94	3	especially	especially	ADV
ajbmeb-2626	94	4	effective	effective	ADJ
ajbmeb-2626	94	5	in	in	ADP
ajbmeb-2626	94	6	risk	risk	NOUN
ajbmeb-2626	94	7	management	management	NOUN
ajbmeb-2626	94	8	and	and	CCONJ
ajbmeb-2626	94	9	asset	asset	NOUN
ajbmeb-2626	94	10	diversification	diversification	NOUN
ajbmeb-2626	94	11	.	.	PUNCT
ajbmeb-2626	95	1	2	2	X
ajbmeb-2626	95	2	.	.	X
ajbmeb-2626	95	3	it	it	PRON
ajbmeb-2626	95	4	is	be	AUX
ajbmeb-2626	95	5	appropriate	appropriate	ADJ
ajbmeb-2626	95	6	to	to	PART
ajbmeb-2626	95	7	implement	implement	VERB
ajbmeb-2626	95	8	"	"	PUNCT
ajbmeb-2626	95	9	green	green	ADJ
ajbmeb-2626	95	10	financing	financing	NOUN
ajbmeb-2626	95	11	"	"	PUNCT
ajbmeb-2626	95	12	projects	project	NOUN
ajbmeb-2626	95	13	.	.	PUNCT
ajbmeb-2626	96	1	based	base	VERB
ajbmeb-2626	96	2	on	on	ADP
ajbmeb-2626	96	3	the	the	DET
ajbmeb-2626	96	4	experience	experience	NOUN
ajbmeb-2626	96	5	of	of	ADP
ajbmeb-2626	96	6	the	the	DET
ajbmeb-2626	96	7	european	european	PROPN
ajbmeb-2626	96	8	union	union	PROPN
ajbmeb-2626	96	9	,	,	PUNCT
ajbmeb-2626	96	10	banks	bank	NOUN
ajbmeb-2626	96	11	should	should	AUX
ajbmeb-2626	96	12	introduce	introduce	VERB
ajbmeb-2626	96	13	special	special	ADJ
ajbmeb-2626	96	14	mechanisms	mechanism	NOUN
ajbmeb-2626	96	15	for	for	ADP
ajbmeb-2626	96	16	financing	finance	VERB
ajbmeb-2626	96	17	environmental	environmental	ADJ
ajbmeb-2626	96	18	projects	project	NOUN
ajbmeb-2626	96	19	that	that	PRON
ajbmeb-2626	96	20	support	support	VERB
ajbmeb-2626	96	21	sustainable	sustainable	ADJ
ajbmeb-2626	96	22	development	development	NOUN
ajbmeb-2626	96	23	.	.	PUNCT
ajbmeb-2626	97	1	this	this	PRON
ajbmeb-2626	97	2	not	not	PART
ajbmeb-2626	97	3	only	only	ADV
ajbmeb-2626	97	4	increases	increase	VERB
ajbmeb-2626	97	5	the	the	DET
ajbmeb-2626	97	6	profitability	profitability	NOUN
ajbmeb-2626	97	7	of	of	ADP
ajbmeb-2626	97	8	banks	bank	NOUN
ajbmeb-2626	97	9	but	but	CCONJ
ajbmeb-2626	97	10	also	also	ADV
ajbmeb-2626	97	11	contributes	contribute	VERB
ajbmeb-2626	97	12	to	to	ADP
ajbmeb-2626	97	13	the	the	DET
ajbmeb-2626	97	14	ecological	ecological	ADJ
ajbmeb-2626	97	15	stability	stability	NOUN
ajbmeb-2626	97	16	of	of	ADP
ajbmeb-2626	97	17	the	the	DET
ajbmeb-2626	97	18	country	country	NOUN
ajbmeb-2626	97	19	.	.	PUNCT
ajbmeb-2626	98	1	3	3	X
ajbmeb-2626	98	2	.	.	X
ajbmeb-2626	98	3	it	it	PRON
ajbmeb-2626	98	4	is	be	AUX
ajbmeb-2626	98	5	necessary	necessary	ADJ
ajbmeb-2626	98	6	to	to	PART
ajbmeb-2626	98	7	pay	pay	VERB
ajbmeb-2626	98	8	attention	attention	NOUN
ajbmeb-2626	98	9	to	to	ADP
ajbmeb-2626	98	10	diversifying	diversify	VERB
ajbmeb-2626	98	11	the	the	DET
ajbmeb-2626	98	12	composition	composition	NOUN
ajbmeb-2626	98	13	of	of	ADP
ajbmeb-2626	98	14	assets	asset	NOUN
ajbmeb-2626	98	15	.	.	PUNCT
ajbmeb-2626	99	1	it	it	PRON
ajbmeb-2626	99	2	is	be	AUX
ajbmeb-2626	99	3	necessary	necessary	ADJ
ajbmeb-2626	99	4	to	to	PART
ajbmeb-2626	99	5	use	use	VERB
ajbmeb-2626	99	6	the	the	DET
ajbmeb-2626	99	7	financial	financial	ADJ
ajbmeb-2626	99	8	strategies	strategy	NOUN
ajbmeb-2626	99	9	of	of	ADP
ajbmeb-2626	99	10	us	we	PRON
ajbmeb-2626	99	11	and	and	CCONJ
ajbmeb-2626	99	12	japanese	japanese	ADJ
ajbmeb-2626	99	13	banks	bank	NOUN
ajbmeb-2626	99	14	and	and	CCONJ
ajbmeb-2626	99	15	ensure	ensure	VERB
ajbmeb-2626	99	16	the	the	DET
ajbmeb-2626	99	17	placement	placement	NOUN
ajbmeb-2626	99	18	of	of	ADP
ajbmeb-2626	99	19	assets	asset	NOUN
ajbmeb-2626	99	20	in	in	ADP
ajbmeb-2626	99	21	various	various	ADJ
ajbmeb-2626	99	22	sectors	sector	NOUN
ajbmeb-2626	99	23	.	.	PUNCT
ajbmeb-2626	100	1	this	this	PRON
ajbmeb-2626	100	2	plays	play	VERB
ajbmeb-2626	100	3	an	an	DET
ajbmeb-2626	100	4	important	important	ADJ
ajbmeb-2626	100	5	role	role	NOUN
ajbmeb-2626	100	6	in	in	ADP
ajbmeb-2626	100	7	the	the	DET
ajbmeb-2626	100	8	financing	financing	NOUN
ajbmeb-2626	100	9	of	of	ADP
ajbmeb-2626	100	10	small	small	ADJ
ajbmeb-2626	100	11	and	and	CCONJ
ajbmeb-2626	100	12	medium	medium	ADJ
ajbmeb-2626	100	13	-	-	PUNCT
ajbmeb-2626	100	14	sized	sized	ADJ
ajbmeb-2626	100	15	businesses	business	NOUN
ajbmeb-2626	100	16	in	in	ADP
ajbmeb-2626	100	17	particular	particular	ADJ
ajbmeb-2626	100	18	and	and	CCONJ
ajbmeb-2626	100	19	has	have	VERB
ajbmeb-2626	100	20	a	a	DET
ajbmeb-2626	100	21	supporting	support	VERB
ajbmeb-2626	100	22	effect	effect	NOUN
ajbmeb-2626	100	23	on	on	ADP
ajbmeb-2626	100	24	all	all	DET
ajbmeb-2626	100	25	sectors	sector	NOUN
ajbmeb-2626	100	26	of	of	ADP
ajbmeb-2626	100	27	the	the	DET
ajbmeb-2626	100	28	economy	economy	NOUN
ajbmeb-2626	100	29	.	.	PUNCT
ajbmeb-2626	101	1	references	reference	NOUN
ajbmeb-2626	101	2	1.world	1.world	NUM
ajbmeb-2626	101	3	bank	bank	NOUN
ajbmeb-2626	101	4	.	.	PUNCT
ajbmeb-2626	102	1	(	(	PUNCT
ajbmeb-2626	102	2	2023	2023	NUM
ajbmeb-2626	102	3	)	)	PUNCT
ajbmeb-2626	102	4	.	.	PUNCT
ajbmeb-2626	103	1	banking	banking	NOUN
ajbmeb-2626	103	2	sector	sector	NOUN
ajbmeb-2626	103	3	overview	overview	NOUN
ajbmeb-2626	103	4	2023	2023	NUM
ajbmeb-2626	103	5	.	.	PUNCT
ajbmeb-2626	104	1	retrieved	retrieve	VERB
ajbmeb-2626	104	2	from	from	ADP
ajbmeb-2626	104	3	www.worldbank.org	www.worldbank.org	PROPN
ajbmeb-2626	104	4	2.european	2.european	NUM
ajbmeb-2626	104	5	central	central	ADJ
ajbmeb-2626	104	6	bank	bank	NOUN
ajbmeb-2626	104	7	.	.	PUNCT
ajbmeb-2626	105	1	(	(	PUNCT
ajbmeb-2626	105	2	2022	2022	NUM
ajbmeb-2626	105	3	)	)	PUNCT
ajbmeb-2626	105	4	.	.	PUNCT
ajbmeb-2626	106	1	european	european	ADJ
ajbmeb-2626	106	2	banking	banking	PROPN
ajbmeb-2626	106	3	statistics	statistic	NOUN
ajbmeb-2626	106	4	report	report	PROPN
ajbmeb-2626	106	5	.	.	PUNCT
ajbmeb-2626	107	1	retrieved	retrieve	VERB
ajbmeb-2626	107	2	from	from	ADP
ajbmeb-2626	107	3	www.ecb.europa.eu	www.ecb.europa.eu	NOUN
ajbmeb-2626	107	4	american	american	PROPN
ajbmeb-2626	107	5	journal	journal	PROPN
ajbmeb-2626	107	6	of	of	ADP
ajbmeb-2626	107	7	business	business	NOUN
ajbmeb-2626	107	8	management	management	NOUN
ajbmeb-2626	107	9	,	,	PUNCT
ajbmeb-2626	107	10	economics	economic	NOUN
ajbmeb-2626	107	11	and	and	CCONJ
ajbmeb-2626	107	12	banking	banking	NOUN
ajbmeb-2626	107	13	volume	volume	NOUN
ajbmeb-2626	107	14	32	32	NUM
ajbmeb-2626	107	15	january	january	PROPN
ajbmeb-2626	107	16	2025	2025	NUM
ajbmeb-2626	107	17	p	p	NOUN
ajbmeb-2626	107	18	a	a	DET
ajbmeb-2626	107	19	g	g	NOUN
ajbmeb-2626	107	20	e	e	NOUN
ajbmeb-2626	107	21	|	|	ADV
ajbmeb-2626	107	22	22	22	NUM
ajbmeb-2626	107	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2626	107	24	3	3	NUM
ajbmeb-2626	107	25	.	.	PUNCT
ajbmeb-2626	107	26	central	central	PROPN
ajbmeb-2626	107	27	bank	bank	PROPN
ajbmeb-2626	107	28	(	(	PUNCT
ajbmeb-2626	107	29	2023	2023	NUM
ajbmeb-2626	107	30	)	)	PUNCT
ajbmeb-2626	107	31	.	.	PUNCT
ajbmeb-2626	108	1	indicators	indicator	NOUN
ajbmeb-2626	108	2	of	of	ADP
ajbmeb-2626	108	3	the	the	DET
ajbmeb-2626	108	4	financial	financial	ADJ
ajbmeb-2626	108	5	and	and	CCONJ
ajbmeb-2626	108	6	banking	banking	NOUN
ajbmeb-2626	108	7	system	system	NOUN
ajbmeb-2626	108	8	of	of	ADP
ajbmeb-2626	108	9	the	the	DET
ajbmeb-2626	108	10	republic	republic	NOUN
ajbmeb-2626	108	11	of	of	ADP
ajbmeb-2626	108	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2626	108	13	.	.	PUNCT
ajbmeb-2626	109	1	retrieved	retrieve	VERB
ajbmeb-2626	109	2	from	from	ADP
ajbmeb-2626	109	3	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2626	109	4	4.world	4.world	PROPN
ajbmeb-2626	109	5	bank	bank	NOUN
ajbmeb-2626	109	6	.	.	PUNCT
ajbmeb-2626	110	1	banking	banking	NOUN
ajbmeb-2626	110	2	sector	sector	NOUN
ajbmeb-2626	110	3	overview	overview	NOUN
ajbmeb-2626	110	4	.	.	PUNCT
ajbmeb-2626	111	1	retrieved	retrieve	VERB
ajbmeb-2626	111	2	from	from	ADP
ajbmeb-2626	111	3	www.worldbank.org	www.worldbank.org	PROPN
ajbmeb-2626	111	4	5.european	5.european	NUM
ajbmeb-2626	111	5	central	central	ADJ
ajbmeb-2626	111	6	bank	bank	NOUN
ajbmeb-2626	111	7	.	.	PUNCT
ajbmeb-2626	112	1	banking	banking	NOUN
ajbmeb-2626	112	2	statistics	statistic	NOUN
ajbmeb-2626	112	3	report	report	PROPN
ajbmeb-2626	112	4	.	.	PUNCT
ajbmeb-2626	113	1	retrieved	retrieve	VERB
ajbmeb-2626	113	2	from	from	ADP
ajbmeb-2626	113	3	www.ecb.europa.eu	www.ecb.europa.eu	NOUN
ajbmeb-2626	113	4	6.bank	6.bank	NUM
ajbmeb-2626	113	5	of	of	ADP
ajbmeb-2626	113	6	japan	japan	PROPN
ajbmeb-2626	113	7	.	.	PUNCT
ajbmeb-2626	114	1	financial	financial	ADJ
ajbmeb-2626	114	2	system	system	NOUN
ajbmeb-2626	114	3	report	report	NOUN
ajbmeb-2626	114	4	.	.	PUNCT
ajbmeb-2626	115	1	retrieved	retrieve	VERB
ajbmeb-2626	115	2	from	from	ADP
ajbmeb-2626	115	3	www.boj.or.jp	www.boj.or.jp	PROPN
ajbmeb-2626	115	4	7.bank	7.bank	NUM
ajbmeb-2626	115	5	of	of	ADP
ajbmeb-2626	115	6	korea	korea	PROPN
ajbmeb-2626	115	7	.	.	PUNCT
ajbmeb-2626	116	1	financial	financial	ADJ
ajbmeb-2626	116	2	stability	stability	NOUN
ajbmeb-2626	116	3	report	report	NOUN
ajbmeb-2626	116	4	.	.	PUNCT
ajbmeb-2626	117	1	retrieved	retrieve	VERB
ajbmeb-2626	117	2	from	from	ADP
ajbmeb-2626	117	3	www.bok.or.kr	www.bok.or.kr	NOUN
ajbmeb-2626	117	4	http://www.cbu.uz/	http://www.cbu.uz/	ADV
ajbmeb-2626	117	5	http://www.bok.or.kr/	http://www.bok.or.kr/	X