id	sid	tid	token	lemma	pos
ajbmeb-2910	1	1	american	american	PROPN
ajbmeb-2910	1	2	journal	journal	PROPN
ajbmeb-2910	1	3	of	of	ADP
ajbmeb-2910	1	4	business	business	NOUN
ajbmeb-2910	1	5	management	management	NOUN
ajbmeb-2910	1	6	,	,	PUNCT
ajbmeb-2910	1	7	economics	economic	NOUN
ajbmeb-2910	1	8	and	and	CCONJ
ajbmeb-2910	1	9	banking	banking	NOUN
ajbmeb-2910	1	10	issn	issn	PROPN
ajbmeb-2910	1	11	(	(	PUNCT
ajbmeb-2910	1	12	e	e	NOUN
ajbmeb-2910	1	13	):	):	PUNCT
ajbmeb-2910	1	14	2832	2832	NUM
ajbmeb-2910	1	15	-	-	SYM
ajbmeb-2910	1	16	8078	8078	NUM
ajbmeb-2910	1	17	volume	volume	NOUN
ajbmeb-2910	1	18	36	36	NUM
ajbmeb-2910	1	19	,	,	PUNCT
ajbmeb-2910	1	20	may	may	AUX
ajbmeb-2910	1	21	2025	2025	NUM
ajbmeb-2910	1	22	p	p	NOUN
ajbmeb-2910	1	23	a	a	DET
ajbmeb-2910	1	24	g	g	NOUN
ajbmeb-2910	1	25	e	e	NOUN
ajbmeb-2910	1	26	|	|	ADV
ajbmeb-2910	1	27	1	1	NUM
ajbmeb-2910	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	1	29	issues	issue	NOUN
ajbmeb-2910	1	30	of	of	ADP
ajbmeb-2910	1	31	formation	formation	NOUN
ajbmeb-2910	1	32	of	of	ADP
ajbmeb-2910	1	33	private	private	ADJ
ajbmeb-2910	1	34	banks	bank	NOUN
ajbmeb-2910	1	35	’	’	PART
ajbmeb-2910	1	36	resource	resource	NOUN
ajbmeb-2910	1	37	base	base	NOUN
ajbmeb-2910	1	38	rufat	rufat	PROPN
ajbmeb-2910	1	39	baxtiyorovich	baxtiyorovich	PROPN
ajbmeb-2910	1	40	kurbanov	kurbanov	PROPN
ajbmeb-2910	1	41	phd	phd	PROPN
ajbmeb-2910	1	42	.	.	PROPN
ajbmeb-2910	1	43	,	,	PUNCT
ajbmeb-2910	1	44	professor	professor	NOUN
ajbmeb-2910	1	45	of	of	ADP
ajbmeb-2910	1	46	tashkent	tashkent	PROPN
ajbmeb-2910	1	47	state	state	PROPN
ajbmeb-2910	1	48	university	university	PROPN
ajbmeb-2910	1	49	of	of	ADP
ajbmeb-2910	1	50	economics	economics	PROPN
ajbmeb-2910	1	51	e	e	NOUN
ajbmeb-2910	1	52	-	-	NOUN
ajbmeb-2910	1	53	mail	mail	NOUN
ajbmeb-2910	1	54	:	:	PUNCT
ajbmeb-2910	1	55	r.qurbonov@tsue.uz	r.qurbonov@tsue.uz	X
ajbmeb-2910	2	1	orcid	orcid	NOUN
ajbmeb-2910	2	2	:	:	PUNCT
ajbmeb-2910	2	3	0000	0000	NUM
ajbmeb-2910	2	4	-	-	PUNCT
ajbmeb-2910	2	5	0002	0002	NUM
ajbmeb-2910	2	6	-	-	PUNCT
ajbmeb-2910	2	7	6841	6841	NUM
ajbmeb-2910	2	8	-	-	SYM
ajbmeb-2910	2	9	9292	9292	NUM
ajbmeb-2910	2	10	a	a	DET
ajbmeb-2910	2	11	b	b	PROPN
ajbmeb-2910	2	12	s	s	ADP
ajbmeb-2910	2	13	t	t	PROPN
ajbmeb-2910	2	14	r	r	NOUN
ajbmeb-2910	2	15	a	a	DET
ajbmeb-2910	2	16	c	c	NOUN
ajbmeb-2910	2	17	t	t	NOUN
ajbmeb-2910	2	18	k	k	X
ajbmeb-2910	2	19	e	e	PROPN
ajbmeb-2910	2	20	y	y	PROPN
ajbmeb-2910	2	21	w	w	NOUN
ajbmeb-2910	3	1	o	o	NOUN
ajbmeb-2910	3	2	r	r	NOUN
ajbmeb-2910	3	3	d	d	PROPN
ajbmeb-2910	3	4	s	s	VERB
ajbmeb-2910	3	5	this	this	DET
ajbmeb-2910	3	6	article	article	NOUN
ajbmeb-2910	3	7	is	be	AUX
ajbmeb-2910	3	8	devoted	devote	VERB
ajbmeb-2910	3	9	to	to	ADP
ajbmeb-2910	3	10	the	the	DET
ajbmeb-2910	3	11	formation	formation	NOUN
ajbmeb-2910	3	12	of	of	ADP
ajbmeb-2910	3	13	the	the	DET
ajbmeb-2910	3	14	resource	resource	NOUN
ajbmeb-2910	3	15	base	base	NOUN
ajbmeb-2910	3	16	of	of	ADP
ajbmeb-2910	3	17	private	private	ADJ
ajbmeb-2910	3	18	banks	bank	NOUN
ajbmeb-2910	3	19	operating	operate	VERB
ajbmeb-2910	3	20	in	in	ADP
ajbmeb-2910	3	21	the	the	DET
ajbmeb-2910	3	22	republic	republic	NOUN
ajbmeb-2910	3	23	of	of	ADP
ajbmeb-2910	3	24	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	3	25	.	.	PUNCT
ajbmeb-2910	4	1	the	the	DET
ajbmeb-2910	4	2	data	datum	NOUN
ajbmeb-2910	4	3	are	be	AUX
ajbmeb-2910	4	4	taken	take	VERB
ajbmeb-2910	4	5	from	from	ADP
ajbmeb-2910	4	6	the	the	DET
ajbmeb-2910	4	7	analysis	analysis	NOUN
ajbmeb-2910	4	8	of	of	ADP
ajbmeb-2910	4	9	financial	financial	ADJ
ajbmeb-2910	4	10	statements	statement	NOUN
ajbmeb-2910	4	11	on	on	ADP
ajbmeb-2910	4	12	the	the	DET
ajbmeb-2910	4	13	banking	banking	NOUN
ajbmeb-2910	4	14	system	system	NOUN
ajbmeb-2910	4	15	issued	issue	VERB
ajbmeb-2910	4	16	by	by	ADP
ajbmeb-2910	4	17	the	the	DET
ajbmeb-2910	4	18	central	central	ADJ
ajbmeb-2910	4	19	bank	bank	NOUN
ajbmeb-2910	4	20	of	of	ADP
ajbmeb-2910	4	21	the	the	DET
ajbmeb-2910	4	22	republic	republic	NOUN
ajbmeb-2910	4	23	of	of	ADP
ajbmeb-2910	4	24	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	4	25	.	.	PUNCT
ajbmeb-2910	5	1	it	it	PRON
ajbmeb-2910	5	2	covers	cover	VERB
ajbmeb-2910	5	3	the	the	DET
ajbmeb-2910	5	4	activities	activity	NOUN
ajbmeb-2910	5	5	of	of	ADP
ajbmeb-2910	5	6	6	6	NUM
ajbmeb-2910	5	7	existing	exist	VERB
ajbmeb-2910	5	8	private	private	ADJ
ajbmeb-2910	5	9	banks	bank	NOUN
ajbmeb-2910	5	10	in	in	ADP
ajbmeb-2910	5	11	the	the	DET
ajbmeb-2910	5	12	republic	republic	NOUN
ajbmeb-2910	5	13	of	of	ADP
ajbmeb-2910	5	14	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	5	15	.	.	PUNCT
ajbmeb-2910	6	1	to	to	PART
ajbmeb-2910	6	2	solve	solve	VERB
ajbmeb-2910	6	3	the	the	DET
ajbmeb-2910	6	4	problem	problem	NOUN
ajbmeb-2910	6	5	,	,	PUNCT
ajbmeb-2910	6	6	we	we	PRON
ajbmeb-2910	6	7	used	use	VERB
ajbmeb-2910	6	8	the	the	DET
ajbmeb-2910	6	9	regression	regression	NOUN
ajbmeb-2910	6	10	analysis	analysis	NOUN
ajbmeb-2910	6	11	and	and	CCONJ
ajbmeb-2910	6	12	correlation	correlation	NOUN
ajbmeb-2910	6	13	method	method	NOUN
ajbmeb-2910	6	14	.	.	PUNCT
ajbmeb-2910	7	1	in	in	ADP
ajbmeb-2910	7	2	this	this	DET
ajbmeb-2910	7	3	case	case	NOUN
ajbmeb-2910	7	4	,	,	PUNCT
ajbmeb-2910	7	5	we	we	PRON
ajbmeb-2910	7	6	draw	draw	VERB
ajbmeb-2910	7	7	the	the	DET
ajbmeb-2910	7	8	appropriate	appropriate	ADJ
ajbmeb-2910	7	9	conclusions	conclusion	NOUN
ajbmeb-2910	7	10	using	use	VERB
ajbmeb-2910	7	11	the	the	DET
ajbmeb-2910	7	12	method	method	NOUN
ajbmeb-2910	7	13	of	of	ADP
ajbmeb-2910	7	14	regression	regression	NOUN
ajbmeb-2910	7	15	and	and	CCONJ
ajbmeb-2910	7	16	correlation	correlation	NOUN
ajbmeb-2910	7	17	analysis	analysis	NOUN
ajbmeb-2910	7	18	of	of	ADP
ajbmeb-2910	7	19	the	the	DET
ajbmeb-2910	7	20	factors	factor	NOUN
ajbmeb-2910	7	21	affecting	affect	VERB
ajbmeb-2910	7	22	the	the	DET
ajbmeb-2910	7	23	resource	resource	NOUN
ajbmeb-2910	7	24	base	base	NOUN
ajbmeb-2910	7	25	of	of	ADP
ajbmeb-2910	7	26	private	private	ADJ
ajbmeb-2910	7	27	banks	bank	NOUN
ajbmeb-2910	7	28	.	.	PUNCT
ajbmeb-2910	8	1	the	the	DET
ajbmeb-2910	8	2	study	study	NOUN
ajbmeb-2910	8	3	found	find	VERB
ajbmeb-2910	8	4	that	that	SCONJ
ajbmeb-2910	8	5	the	the	DET
ajbmeb-2910	8	6	volume	volume	NOUN
ajbmeb-2910	8	7	of	of	ADP
ajbmeb-2910	8	8	assets	asset	NOUN
ajbmeb-2910	8	9	of	of	ADP
ajbmeb-2910	8	10	private	private	ADJ
ajbmeb-2910	8	11	banks	bank	NOUN
ajbmeb-2910	8	12	in	in	ADP
ajbmeb-2910	8	13	the	the	DET
ajbmeb-2910	8	14	country	country	NOUN
ajbmeb-2910	8	15	(	(	PUNCT
ajbmeb-2910	8	16	bank	bank	NOUN
ajbmeb-2910	8	17	size	size	NOUN
ajbmeb-2910	8	18	)	)	PUNCT
ajbmeb-2910	8	19	,	,	PUNCT
ajbmeb-2910	8	20	the	the	DET
ajbmeb-2910	8	21	number	number	NOUN
ajbmeb-2910	8	22	of	of	ADP
ajbmeb-2910	8	23	branches	branch	NOUN
ajbmeb-2910	8	24	,	,	PUNCT
ajbmeb-2910	8	25	long	long	ADJ
ajbmeb-2910	8	26	-	-	PUNCT
ajbmeb-2910	8	27	term	term	NOUN
ajbmeb-2910	8	28	interest	interest	NOUN
ajbmeb-2910	8	29	rates	rate	NOUN
ajbmeb-2910	8	30	,	,	PUNCT
ajbmeb-2910	8	31	return	return	VERB
ajbmeb-2910	8	32	on	on	ADP
ajbmeb-2910	8	33	capital	capital	NOUN
ajbmeb-2910	8	34	,	,	PUNCT
ajbmeb-2910	8	35	and	and	CCONJ
ajbmeb-2910	8	36	return	return	VERB
ajbmeb-2910	8	37	on	on	ADP
ajbmeb-2910	8	38	assets	asset	NOUN
ajbmeb-2910	8	39	are	be	AUX
ajbmeb-2910	8	40	positively	positively	ADV
ajbmeb-2910	8	41	linked	link	VERB
ajbmeb-2910	8	42	to	to	ADP
ajbmeb-2910	8	43	the	the	DET
ajbmeb-2910	8	44	resource	resource	NOUN
ajbmeb-2910	8	45	base	base	NOUN
ajbmeb-2910	8	46	of	of	ADP
ajbmeb-2910	8	47	private	private	ADJ
ajbmeb-2910	8	48	banks	bank	NOUN
ajbmeb-2910	8	49	.	.	PUNCT
ajbmeb-2910	9	1	in	in	ADP
ajbmeb-2910	9	2	addition	addition	NOUN
ajbmeb-2910	9	3	,	,	PUNCT
ajbmeb-2910	9	4	a	a	DET
ajbmeb-2910	9	5	conclusion	conclusion	NOUN
ajbmeb-2910	9	6	was	be	AUX
ajbmeb-2910	9	7	drawn	draw	VERB
ajbmeb-2910	9	8	on	on	ADP
ajbmeb-2910	9	9	the	the	DET
ajbmeb-2910	9	10	elimination	elimination	NOUN
ajbmeb-2910	9	11	of	of	ADP
ajbmeb-2910	9	12	abstract	abstract	ADJ
ajbmeb-2910	9	13	problems	problem	NOUN
ajbmeb-2910	9	14	in	in	ADP
ajbmeb-2910	9	15	the	the	DET
ajbmeb-2910	9	16	formation	formation	NOUN
ajbmeb-2910	9	17	of	of	ADP
ajbmeb-2910	9	18	the	the	DET
ajbmeb-2910	9	19	resource	resource	NOUN
ajbmeb-2910	9	20	base	base	NOUN
ajbmeb-2910	9	21	of	of	ADP
ajbmeb-2910	9	22	private	private	ADJ
ajbmeb-2910	9	23	banks	bank	NOUN
ajbmeb-2910	9	24	.	.	PUNCT
ajbmeb-2910	10	1	private	private	ADJ
ajbmeb-2910	10	2	banks	bank	NOUN
ajbmeb-2910	10	3	,	,	PUNCT
ajbmeb-2910	10	4	resource	resource	NOUN
ajbmeb-2910	10	5	base	base	NOUN
ajbmeb-2910	10	6	,	,	PUNCT
ajbmeb-2910	10	7	roa	roa	PROPN
ajbmeb-2910	10	8	,	,	PUNCT
ajbmeb-2910	10	9	roe	roe	PROPN
ajbmeb-2910	10	10	.	.	PUNCT
ajbmeb-2910	10	11	introduction	introduction	NOUN
ajbmeb-2910	10	12	in	in	ADP
ajbmeb-2910	10	13	the	the	DET
ajbmeb-2910	10	14	world	world	NOUN
ajbmeb-2910	10	15	banking	banking	NOUN
ajbmeb-2910	10	16	practice	practice	NOUN
ajbmeb-2910	10	17	,	,	PUNCT
ajbmeb-2910	10	18	the	the	DET
ajbmeb-2910	10	19	resource	resource	NOUN
ajbmeb-2910	10	20	base	base	NOUN
ajbmeb-2910	10	21	of	of	ADP
ajbmeb-2910	10	22	the	the	DET
ajbmeb-2910	10	23	banking	banking	NOUN
ajbmeb-2910	10	24	system	system	NOUN
ajbmeb-2910	10	25	is	be	AUX
ajbmeb-2910	10	26	necessary	necessary	ADJ
ajbmeb-2910	10	27	to	to	PART
ajbmeb-2910	10	28	stabilize	stabilize	VERB
ajbmeb-2910	10	29	the	the	DET
ajbmeb-2910	10	30	current	current	ADJ
ajbmeb-2910	10	31	socio	socio	NOUN
ajbmeb-2910	10	32	-	-	PUNCT
ajbmeb-2910	10	33	economic	economic	ADJ
ajbmeb-2910	10	34	situation	situation	NOUN
ajbmeb-2910	10	35	and	and	CCONJ
ajbmeb-2910	10	36	make	make	VERB
ajbmeb-2910	10	37	important	important	ADJ
ajbmeb-2910	10	38	strategic	strategic	ADJ
ajbmeb-2910	10	39	decisions	decision	NOUN
ajbmeb-2910	10	40	on	on	ADP
ajbmeb-2910	10	41	the	the	DET
ajbmeb-2910	10	42	future	future	ADJ
ajbmeb-2910	10	43	development	development	NOUN
ajbmeb-2910	10	44	of	of	ADP
ajbmeb-2910	10	45	each	each	DET
ajbmeb-2910	10	46	country	country	NOUN
ajbmeb-2910	10	47	.	.	PUNCT
ajbmeb-2910	11	1	the	the	DET
ajbmeb-2910	11	2	formation	formation	NOUN
ajbmeb-2910	11	3	of	of	ADP
ajbmeb-2910	11	4	resources	resource	NOUN
ajbmeb-2910	11	5	for	for	ADP
ajbmeb-2910	11	6	all	all	DET
ajbmeb-2910	11	7	commercial	commercial	ADJ
ajbmeb-2910	11	8	banks	bank	NOUN
ajbmeb-2910	11	9	plays	play	VERB
ajbmeb-2910	11	10	an	an	DET
ajbmeb-2910	11	11	important	important	ADJ
ajbmeb-2910	11	12	role	role	NOUN
ajbmeb-2910	11	13	,	,	PUNCT
ajbmeb-2910	11	14	as	as	SCONJ
ajbmeb-2910	11	15	the	the	DET
ajbmeb-2910	11	16	composition	composition	NOUN
ajbmeb-2910	11	17	and	and	CCONJ
ajbmeb-2910	11	18	size	size	NOUN
ajbmeb-2910	11	19	of	of	ADP
ajbmeb-2910	11	20	their	their	PRON
ajbmeb-2910	11	21	resources	resource	NOUN
ajbmeb-2910	11	22	directly	directly	ADV
ajbmeb-2910	11	23	expand	expand	VERB
ajbmeb-2910	11	24	the	the	DET
ajbmeb-2910	11	25	scope	scope	NOUN
ajbmeb-2910	11	26	of	of	ADP
ajbmeb-2910	11	27	active	active	ADJ
ajbmeb-2910	11	28	operations	operation	NOUN
ajbmeb-2910	11	29	of	of	ADP
ajbmeb-2910	11	30	banks	bank	NOUN
ajbmeb-2910	11	31	.	.	PUNCT
ajbmeb-2910	12	1	therefore	therefore	ADV
ajbmeb-2910	12	2	,	,	PUNCT
ajbmeb-2910	12	3	the	the	DET
ajbmeb-2910	12	4	amount	amount	NOUN
ajbmeb-2910	12	5	of	of	ADP
ajbmeb-2910	12	6	profit	profit	NOUN
ajbmeb-2910	12	7	they	they	PRON
ajbmeb-2910	12	8	will	will	AUX
ajbmeb-2910	12	9	receive	receive	VERB
ajbmeb-2910	12	10	in	in	ADP
ajbmeb-2910	12	11	the	the	DET
ajbmeb-2910	12	12	future	future	NOUN
ajbmeb-2910	12	13	is	be	AUX
ajbmeb-2910	12	14	the	the	DET
ajbmeb-2910	12	15	key	key	NOUN
ajbmeb-2910	12	16	to	to	ADP
ajbmeb-2910	12	17	the	the	DET
ajbmeb-2910	12	18	success	success	NOUN
ajbmeb-2910	12	19	of	of	ADP
ajbmeb-2910	12	20	banking	banking	NOUN
ajbmeb-2910	12	21	activities	activity	NOUN
ajbmeb-2910	12	22	.	.	PUNCT
ajbmeb-2910	13	1	according	accord	VERB
ajbmeb-2910	13	2	to	to	ADP
ajbmeb-2910	13	3	tsyhanyuk	tsyhanyuk	NOUN
ajbmeb-2910	13	4	,	,	PUNCT
ajbmeb-2910	13	5	(	(	PUNCT
ajbmeb-2910	13	6	2014	2014	NUM
ajbmeb-2910	13	7	)	)	PUNCT
ajbmeb-2910	13	8	"	"	PUNCT
ajbmeb-2910	13	9	these	these	DET
ajbmeb-2910	13	10	processes	process	NOUN
ajbmeb-2910	13	11	require	require	VERB
ajbmeb-2910	13	12	banks	bank	NOUN
ajbmeb-2910	13	13	to	to	PART
ajbmeb-2910	13	14	create	create	VERB
ajbmeb-2910	13	15	their	their	PRON
ajbmeb-2910	13	16	sufficient	sufficient	ADJ
ajbmeb-2910	13	17	resource	resource	NOUN
ajbmeb-2910	13	18	base	base	NOUN
ajbmeb-2910	13	19	,	,	PUNCT
ajbmeb-2910	13	20	optimize	optimize	VERB
ajbmeb-2910	13	21	the	the	DET
ajbmeb-2910	13	22	structure	structure	NOUN
ajbmeb-2910	13	23	and	and	CCONJ
ajbmeb-2910	13	24	strengthen	strengthen	VERB
ajbmeb-2910	13	25	it	it	PRON
ajbmeb-2910	13	26	"	"	PUNCT
ajbmeb-2910	14	1	[	[	X
ajbmeb-2910	14	2	1	1	NUM
ajbmeb-2910	14	3	]	]	PUNCT
ajbmeb-2910	14	4	.	.	PUNCT
ajbmeb-2910	15	1	at	at	ADP
ajbmeb-2910	15	2	present	present	ADJ
ajbmeb-2910	15	3	,	,	PUNCT
ajbmeb-2910	15	4	the	the	DET
ajbmeb-2910	15	5	issues	issue	NOUN
ajbmeb-2910	15	6	of	of	ADP
ajbmeb-2910	15	7	the	the	DET
ajbmeb-2910	15	8	resource	resource	NOUN
ajbmeb-2910	15	9	base	base	NOUN
ajbmeb-2910	15	10	and	and	CCONJ
ajbmeb-2910	15	11	strengthening	strengthening	NOUN
ajbmeb-2910	15	12	of	of	ADP
ajbmeb-2910	15	13	commercial	commercial	ADJ
ajbmeb-2910	15	14	banks	bank	NOUN
ajbmeb-2910	15	15	,	,	PUNCT
ajbmeb-2910	15	16	their	their	PRON
ajbmeb-2910	15	17	level	level	NOUN
ajbmeb-2910	15	18	of	of	ADP
ajbmeb-2910	15	19	capitalization	capitalization	NOUN
ajbmeb-2910	15	20	and	and	CCONJ
ajbmeb-2910	15	21	insufficient	insufficient	ADJ
ajbmeb-2910	15	22	resource	resource	NOUN
ajbmeb-2910	15	23	base	base	NOUN
ajbmeb-2910	15	24	,	,	PUNCT
ajbmeb-2910	15	25	weakness	weakness	NOUN
ajbmeb-2910	15	26	in	in	ADP
ajbmeb-2910	15	27	attracting	attract	VERB
ajbmeb-2910	15	28	and	and	CCONJ
ajbmeb-2910	15	29	increasing	increase	VERB
ajbmeb-2910	15	30	the	the	DET
ajbmeb-2910	15	31	volume	volume	NOUN
ajbmeb-2910	15	32	of	of	ADP
ajbmeb-2910	15	33	time	time	NOUN
ajbmeb-2910	15	34	and	and	CCONJ
ajbmeb-2910	15	35	savings	saving	NOUN
ajbmeb-2910	15	36	deposits	deposit	NOUN
ajbmeb-2910	15	37	,	,	PUNCT
ajbmeb-2910	15	38	and	and	CCONJ
ajbmeb-2910	15	39	the	the	DET
ajbmeb-2910	15	40	weak	weak	ADJ
ajbmeb-2910	15	41	attraction	attraction	NOUN
ajbmeb-2910	15	42	of	of	ADP
ajbmeb-2910	15	43	subordinated	subordinated	ADJ
ajbmeb-2910	15	44	debt	debt	NOUN
ajbmeb-2910	15	45	obligations	obligation	NOUN
ajbmeb-2910	15	46	by	by	ADP
ajbmeb-2910	15	47	them	they	PRON
ajbmeb-2910	15	48	are	be	AUX
ajbmeb-2910	15	49	not	not	PART
ajbmeb-2910	15	50	sufficiently	sufficiently	ADV
ajbmeb-2910	15	51	disclosed	disclose	VERB
ajbmeb-2910	15	52	.	.	PUNCT
ajbmeb-2910	16	1	in	in	ADP
ajbmeb-2910	16	2	particular	particular	ADJ
ajbmeb-2910	16	3	,	,	PUNCT
ajbmeb-2910	16	4	issues	issue	NOUN
ajbmeb-2910	16	5	related	relate	VERB
ajbmeb-2910	16	6	to	to	ADP
ajbmeb-2910	16	7	increasing	increase	VERB
ajbmeb-2910	16	8	the	the	DET
ajbmeb-2910	16	9	level	level	NOUN
ajbmeb-2910	16	10	of	of	ADP
ajbmeb-2910	16	11	capitalization	capitalization	NOUN
ajbmeb-2910	16	12	of	of	ADP
ajbmeb-2910	16	13	commercial	commercial	ADJ
ajbmeb-2910	16	14	banks	bank	NOUN
ajbmeb-2910	16	15	,	,	PUNCT
ajbmeb-2910	16	16	ensuring	ensure	VERB
ajbmeb-2910	16	17	a	a	DET
ajbmeb-2910	16	18	stable	stable	ADJ
ajbmeb-2910	16	19	resource	resource	NOUN
ajbmeb-2910	16	20	base	base	NOUN
ajbmeb-2910	16	21	,	,	PUNCT
ajbmeb-2910	16	22	and	and	CCONJ
ajbmeb-2910	16	23	further	far	ADV
ajbmeb-2910	16	24	strengthening	strengthen	VERB
ajbmeb-2910	16	25	the	the	DET
ajbmeb-2910	16	26	resource	resource	NOUN
ajbmeb-2910	16	27	potential	potential	NOUN
ajbmeb-2910	16	28	remain	remain	VERB
ajbmeb-2910	16	29	relevant	relevant	ADJ
ajbmeb-2910	16	30	in	in	ADP
ajbmeb-2910	16	31	ensuring	ensure	VERB
ajbmeb-2910	16	32	the	the	DET
ajbmeb-2910	16	33	stability	stability	NOUN
ajbmeb-2910	16	34	of	of	ADP
ajbmeb-2910	16	35	the	the	DET
ajbmeb-2910	16	36	resource	resource	NOUN
ajbmeb-2910	16	37	base	base	NOUN
ajbmeb-2910	16	38	of	of	ADP
ajbmeb-2910	16	39	commercial	commercial	ADJ
ajbmeb-2910	16	40	banks	bank	NOUN
ajbmeb-2910	16	41	.	.	PUNCT
ajbmeb-2910	17	1	the	the	DET
ajbmeb-2910	17	2	ultimate	ultimate	ADJ
ajbmeb-2910	17	3	goal	goal	NOUN
ajbmeb-2910	17	4	of	of	ADP
ajbmeb-2910	17	5	radical	radical	ADJ
ajbmeb-2910	17	6	reforms	reform	NOUN
ajbmeb-2910	17	7	in	in	ADP
ajbmeb-2910	17	8	the	the	DET
ajbmeb-2910	17	9	banking	banking	NOUN
ajbmeb-2910	17	10	and	and	CCONJ
ajbmeb-2910	17	11	financial	financial	ADJ
ajbmeb-2910	17	12	system	system	NOUN
ajbmeb-2910	17	13	of	of	ADP
ajbmeb-2910	17	14	the	the	DET
ajbmeb-2910	17	15	country	country	NOUN
ajbmeb-2910	17	16	is	be	AUX
ajbmeb-2910	17	17	to	to	PART
ajbmeb-2910	17	18	strengthen	strengthen	VERB
ajbmeb-2910	17	19	the	the	DET
ajbmeb-2910	17	20	resource	resource	NOUN
ajbmeb-2910	17	21	base	base	NOUN
ajbmeb-2910	17	22	of	of	ADP
ajbmeb-2910	17	23	banks	bank	NOUN
ajbmeb-2910	17	24	,	,	PUNCT
ajbmeb-2910	17	25	increase	increase	VERB
ajbmeb-2910	17	26	the	the	DET
ajbmeb-2910	17	27	level	level	NOUN
ajbmeb-2910	17	28	of	of	ADP
ajbmeb-2910	17	29	bank	bank	NOUN
ajbmeb-2910	17	30	capitalization	capitalization	NOUN
ajbmeb-2910	17	31	,	,	PUNCT
ajbmeb-2910	17	32	and	and	CCONJ
ajbmeb-2910	17	33	increase	increase	VERB
ajbmeb-2910	17	34	the	the	DET
ajbmeb-2910	17	35	confidence	confidence	NOUN
ajbmeb-2910	17	36	of	of	ADP
ajbmeb-2910	17	37	businesses	business	NOUN
ajbmeb-2910	17	38	and	and	CCONJ
ajbmeb-2910	17	39	the	the	DET
ajbmeb-2910	17	40	public	public	NOUN
ajbmeb-2910	17	41	in	in	ADP
ajbmeb-2910	17	42	the	the	DET
ajbmeb-2910	17	43	banking	banking	NOUN
ajbmeb-2910	17	44	system	system	NOUN
ajbmeb-2910	17	45	.	.	PUNCT
ajbmeb-2910	18	1	in	in	ADP
ajbmeb-2910	18	2	particular	particular	ADJ
ajbmeb-2910	18	3	,	,	PUNCT
ajbmeb-2910	18	4	"	"	PUNCT
ajbmeb-2910	18	5	the	the	DET
ajbmeb-2910	18	6	issue	issue	NOUN
ajbmeb-2910	18	7	of	of	ADP
ajbmeb-2910	18	8	increasing	increase	VERB
ajbmeb-2910	18	9	the	the	DET
ajbmeb-2910	18	10	minimum	minimum	ADJ
ajbmeb-2910	18	11	american	american	ADJ
ajbmeb-2910	18	12	journal	journal	PROPN
ajbmeb-2910	18	13	of	of	ADP
ajbmeb-2910	18	14	business	business	NOUN
ajbmeb-2910	18	15	management	management	NOUN
ajbmeb-2910	18	16	,	,	PUNCT
ajbmeb-2910	18	17	economics	economic	NOUN
ajbmeb-2910	18	18	and	and	CCONJ
ajbmeb-2910	18	19	banking	banking	NOUN
ajbmeb-2910	18	20	volume	volume	NOUN
ajbmeb-2910	18	21	36	36	NUM
ajbmeb-2910	18	22	may2025	may2025	NOUN
ajbmeb-2910	18	23	p	p	NOUN
ajbmeb-2910	18	24	a	a	DET
ajbmeb-2910	18	25	g	g	NOUN
ajbmeb-2910	18	26	e	e	NOUN
ajbmeb-2910	18	27	|	|	ADV
ajbmeb-2910	18	28	2	2	NUM
ajbmeb-2910	18	29	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	18	30	authorized	authorize	VERB
ajbmeb-2910	18	31	capital	capital	NOUN
ajbmeb-2910	18	32	of	of	ADP
ajbmeb-2910	18	33	banks	bank	NOUN
ajbmeb-2910	18	34	to	to	ADP
ajbmeb-2910	18	35	500	500	NUM
ajbmeb-2910	18	36	billion	billion	NUM
ajbmeb-2910	18	37	soums	soum	NOUN
ajbmeb-2910	18	38	by	by	ADP
ajbmeb-2910	18	39	2025	2025	NUM
ajbmeb-2910	18	40	"	"	PUNCT
ajbmeb-2910	19	1	[	[	X
ajbmeb-2910	19	2	2	2	NUM
ajbmeb-2910	19	3	]	]	PUNCT
ajbmeb-2910	19	4	and	and	CCONJ
ajbmeb-2910	19	5	"	"	PUNCT
ajbmeb-2910	19	6	the	the	DET
ajbmeb-2910	19	7	task	task	NOUN
ajbmeb-2910	19	8	of	of	ADP
ajbmeb-2910	19	9	deepening	deepen	VERB
ajbmeb-2910	19	10	the	the	DET
ajbmeb-2910	19	11	reform	reform	NOUN
ajbmeb-2910	19	12	of	of	ADP
ajbmeb-2910	19	13	the	the	DET
ajbmeb-2910	19	14	banking	banking	NOUN
ajbmeb-2910	19	15	system	system	NOUN
ajbmeb-2910	19	16	,	,	PUNCT
ajbmeb-2910	19	17	increasing	increase	VERB
ajbmeb-2910	19	18	the	the	DET
ajbmeb-2910	19	19	deposit	deposit	NOUN
ajbmeb-2910	19	20	base	base	NOUN
ajbmeb-2910	19	21	,	,	PUNCT
ajbmeb-2910	19	22	strengthening	strengthen	VERB
ajbmeb-2910	19	23	their	their	PRON
ajbmeb-2910	19	24	financial	financial	ADJ
ajbmeb-2910	19	25	stability	stability	NOUN
ajbmeb-2910	19	26	and	and	CCONJ
ajbmeb-2910	19	27	reliability	reliability	NOUN
ajbmeb-2910	19	28	”	"	PUNCT
ajbmeb-2910	20	1	[	[	X
ajbmeb-2910	20	2	3	3	NUM
ajbmeb-2910	20	3	]	]	PUNCT
ajbmeb-2910	20	4	.	.	PUNCT
ajbmeb-2910	21	1	in	in	ADP
ajbmeb-2910	21	2	our	our	PRON
ajbmeb-2910	21	3	country	country	NOUN
ajbmeb-2910	21	4	,	,	PUNCT
ajbmeb-2910	21	5	the	the	DET
ajbmeb-2910	21	6	"	"	PUNCT
ajbmeb-2910	21	7	strategy	strategy	NOUN
ajbmeb-2910	21	8	for	for	ADP
ajbmeb-2910	21	9	reforming	reform	VERB
ajbmeb-2910	21	10	the	the	DET
ajbmeb-2910	21	11	republic	republic	NOUN
ajbmeb-2910	21	12	’s	’s	PART
ajbmeb-2910	21	13	banking	banking	NOUN
ajbmeb-2910	21	14	system	system	NOUN
ajbmeb-2910	21	15	for	for	ADP
ajbmeb-2910	21	16	2020	2020	NUM
ajbmeb-2910	21	17	-	-	SYM
ajbmeb-2910	21	18	2025	2025	NUM
ajbmeb-2910	21	19	"	"	PUNCT
ajbmeb-2910	22	1	[	[	X
ajbmeb-2910	22	2	2	2	NUM
ajbmeb-2910	22	3	]	]	PUNCT
ajbmeb-2910	22	4	provides	provide	VERB
ajbmeb-2910	22	5	for	for	ADP
ajbmeb-2910	22	6	the	the	DET
ajbmeb-2910	22	7	gradual	gradual	ADJ
ajbmeb-2910	22	8	privatization	privatization	NOUN
ajbmeb-2910	22	9	of	of	ADP
ajbmeb-2910	22	10	state	state	NOUN
ajbmeb-2910	22	11	shares	share	NOUN
ajbmeb-2910	22	12	in	in	ADP
ajbmeb-2910	22	13	6	6	NUM
ajbmeb-2910	22	14	banks	bank	NOUN
ajbmeb-2910	22	15	.	.	PUNCT
ajbmeb-2910	23	1	these	these	DET
ajbmeb-2910	23	2	reforms	reform	NOUN
ajbmeb-2910	23	3	require	require	VERB
ajbmeb-2910	23	4	a	a	DET
ajbmeb-2910	23	5	further	further	ADJ
ajbmeb-2910	23	6	increase	increase	NOUN
ajbmeb-2910	23	7	in	in	ADP
ajbmeb-2910	23	8	the	the	DET
ajbmeb-2910	23	9	share	share	NOUN
ajbmeb-2910	23	10	of	of	ADP
ajbmeb-2910	23	11	private	private	ADJ
ajbmeb-2910	23	12	banks	bank	NOUN
ajbmeb-2910	23	13	and	and	CCONJ
ajbmeb-2910	23	14	the	the	DET
ajbmeb-2910	23	15	strengthening	strengthening	NOUN
ajbmeb-2910	23	16	of	of	ADP
ajbmeb-2910	23	17	their	their	PRON
ajbmeb-2910	23	18	resource	resource	NOUN
ajbmeb-2910	23	19	base	base	NOUN
ajbmeb-2910	23	20	.	.	PUNCT
ajbmeb-2910	24	1	literature	literature	NOUN
ajbmeb-2910	24	2	review	review	PROPN
ajbmeb-2910	24	3	in	in	ADP
ajbmeb-2910	24	4	times	time	NOUN
ajbmeb-2910	24	5	of	of	ADP
ajbmeb-2910	24	6	banking	banking	NOUN
ajbmeb-2910	24	7	crises	crisis	NOUN
ajbmeb-2910	24	8	in	in	ADP
ajbmeb-2910	24	9	international	international	ADJ
ajbmeb-2910	24	10	practice	practice	NOUN
ajbmeb-2910	24	11	,	,	PUNCT
ajbmeb-2910	24	12	the	the	DET
ajbmeb-2910	24	13	bank	bank	NOUN
ajbmeb-2910	24	14	's	's	PART
ajbmeb-2910	24	15	resource	resource	NOUN
ajbmeb-2910	24	16	base	base	NOUN
ajbmeb-2910	24	17	is	be	AUX
ajbmeb-2910	24	18	the	the	DET
ajbmeb-2910	24	19	most	most	ADV
ajbmeb-2910	24	20	important	important	ADJ
ajbmeb-2910	24	21	factor	factor	NOUN
ajbmeb-2910	24	22	in	in	ADP
ajbmeb-2910	24	23	ensuring	ensure	VERB
ajbmeb-2910	24	24	its	its	PRON
ajbmeb-2910	24	25	stability	stability	NOUN
ajbmeb-2910	24	26	.	.	PUNCT
ajbmeb-2910	25	1	alexei	alexei	PROPN
ajbmeb-2910	25	2	mints	mint	NOUN
ajbmeb-2910	25	3	,	,	PUNCT
ajbmeb-2910	25	4	victoria	victoria	PROPN
ajbmeb-2910	25	5	marhasova	marhasova	PROPN
ajbmeb-2910	25	6	,	,	PUNCT
ajbmeb-2910	25	7	hanna	hanna	PROPN
ajbmeb-2910	25	8	hlukha	hlukha	PROPN
ajbmeb-2910	25	9	,	,	PUNCT
ajbmeb-2910	25	10	roman	roman	NOUN
ajbmeb-2910	25	11	kurok	kurok	PROPN
ajbmeb-2910	25	12	,	,	PUNCT
ajbmeb-2910	25	13	and	and	CCONJ
ajbmeb-2910	25	14	tetiana	tetiana	PROPN
ajbmeb-2910	25	15	kolodizieva	kolodizieva	PROPN
ajbmeb-2910	25	16	(	(	PUNCT
ajbmeb-2910	25	17	2014	2014	NUM
ajbmeb-2910	25	18	)	)	PUNCT
ajbmeb-2910	25	19	in	in	ADP
ajbmeb-2910	25	20	their	their	PRON
ajbmeb-2910	25	21	research	research	NOUN
ajbmeb-2910	25	22	found	find	VERB
ajbmeb-2910	25	23	that	that	SCONJ
ajbmeb-2910	25	24	the	the	DET
ajbmeb-2910	25	25	most	most	ADV
ajbmeb-2910	25	26	optimal	optimal	ADJ
ajbmeb-2910	25	27	sources	source	NOUN
ajbmeb-2910	25	28	of	of	ADP
ajbmeb-2910	25	29	the	the	DET
ajbmeb-2910	25	30	resource	resource	NOUN
ajbmeb-2910	25	31	base	base	NOUN
ajbmeb-2910	25	32	of	of	ADP
ajbmeb-2910	25	33	banks	bank	NOUN
ajbmeb-2910	25	34	are	be	AUX
ajbmeb-2910	25	35	the	the	DET
ajbmeb-2910	25	36	funds	fund	NOUN
ajbmeb-2910	25	37	of	of	ADP
ajbmeb-2910	25	38	other	other	ADJ
ajbmeb-2910	25	39	banks	bank	NOUN
ajbmeb-2910	25	40	(	(	PUNCT
ajbmeb-2910	25	41	bankruptcy	bankruptcy	NOUN
ajbmeb-2910	25	42	rate	rate	NOUN
ajbmeb-2910	25	43	-5.7	-5.7	NOUN
ajbmeb-2910	25	44	%	%	NOUN
ajbmeb-2910	25	45	)	)	PUNCT
ajbmeb-2910	25	46	,	,	PUNCT
ajbmeb-2910	25	47	funds	fund	NOUN
ajbmeb-2910	25	48	of	of	ADP
ajbmeb-2910	25	49	legal	legal	ADJ
ajbmeb-2910	25	50	entities	entity	NOUN
ajbmeb-2910	25	51	(	(	PUNCT
ajbmeb-2910	25	52	bankruptcy	bankruptcy	NOUN
ajbmeb-2910	25	53	rate	rate	NOUN
ajbmeb-2910	25	54	-8.0	-8.0	NOUN
ajbmeb-2910	25	55	%	%	NOUN
ajbmeb-2910	25	56	)	)	PUNCT
ajbmeb-2910	25	57	and	and	CCONJ
ajbmeb-2910	25	58	physical	physical	ADJ
ajbmeb-2910	25	59	funds	fund	NOUN
ajbmeb-2910	25	60	of	of	ADP
ajbmeb-2910	25	61	individuals	individual	NOUN
ajbmeb-2910	25	62	(	(	PUNCT
ajbmeb-2910	25	63	bankruptcy	bankruptcy	NOUN
ajbmeb-2910	25	64	rate	rate	NOUN
ajbmeb-2910	25	65	28.5	28.5	NUM
ajbmeb-2910	25	66	%	%	NOUN
ajbmeb-2910	25	67	)	)	PUNCT
ajbmeb-2910	25	68	were	be	AUX
ajbmeb-2910	25	69	recognized	recognize	VERB
ajbmeb-2910	25	70	[	[	X
ajbmeb-2910	25	71	4	4	NUM
ajbmeb-2910	25	72	]	]	PUNCT
ajbmeb-2910	25	73	.	.	PUNCT
ajbmeb-2910	26	1	given	give	VERB
ajbmeb-2910	26	2	the	the	DET
ajbmeb-2910	26	3	crucial	crucial	ADJ
ajbmeb-2910	26	4	process	process	NOUN
ajbmeb-2910	26	5	of	of	ADP
ajbmeb-2910	26	6	protecting	protect	VERB
ajbmeb-2910	26	7	banks	bank	NOUN
ajbmeb-2910	26	8	from	from	ADP
ajbmeb-2910	26	9	bankruptcy	bankruptcy	NOUN
ajbmeb-2910	26	10	in	in	ADP
ajbmeb-2910	26	11	these	these	DET
ajbmeb-2910	26	12	crises	crisis	NOUN
ajbmeb-2910	26	13	,	,	PUNCT
ajbmeb-2910	26	14	it	it	PRON
ajbmeb-2910	26	15	is	be	AUX
ajbmeb-2910	26	16	necessary	necessary	ADJ
ajbmeb-2910	26	17	to	to	PART
ajbmeb-2910	26	18	set	set	VERB
ajbmeb-2910	26	19	specific	specific	ADJ
ajbmeb-2910	26	20	requirements	requirement	NOUN
ajbmeb-2910	26	21	to	to	PART
ajbmeb-2910	26	22	ensure	ensure	VERB
ajbmeb-2910	26	23	their	their	PRON
ajbmeb-2910	26	24	financial	financial	ADJ
ajbmeb-2910	26	25	stability	stability	NOUN
ajbmeb-2910	26	26	and	and	CCONJ
ajbmeb-2910	26	27	further	far	ADV
ajbmeb-2910	26	28	strengthen	strengthen	VERB
ajbmeb-2910	26	29	their	their	PRON
ajbmeb-2910	26	30	resource	resource	NOUN
ajbmeb-2910	26	31	potential	potential	NOUN
ajbmeb-2910	26	32	.	.	PUNCT
ajbmeb-2910	27	1	there	there	PRON
ajbmeb-2910	27	2	are	be	VERB
ajbmeb-2910	27	3	different	different	ADJ
ajbmeb-2910	27	4	views	view	NOUN
ajbmeb-2910	27	5	on	on	ADP
ajbmeb-2910	27	6	economists	economist	NOUN
ajbmeb-2910	27	7	’	’	PART
ajbmeb-2910	27	8	formation	formation	NOUN
ajbmeb-2910	27	9	and	and	CCONJ
ajbmeb-2910	27	10	strengthening	strengthening	NOUN
ajbmeb-2910	27	11	of	of	ADP
ajbmeb-2910	27	12	the	the	DET
ajbmeb-2910	27	13	bank	bank	NOUN
ajbmeb-2910	27	14	's	's	PART
ajbmeb-2910	27	15	resource	resource	NOUN
ajbmeb-2910	27	16	base	base	NOUN
ajbmeb-2910	27	17	.	.	PUNCT
ajbmeb-2910	28	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	28	2	r.	r.	PROPN
ajbmeb-2910	28	3	(	(	PUNCT
ajbmeb-2910	28	4	2021	2021	NUM
ajbmeb-2910	28	5	)	)	PUNCT
ajbmeb-2910	28	6	studied	study	VERB
ajbmeb-2910	28	7	the	the	DET
ajbmeb-2910	28	8	factors	factor	NOUN
ajbmeb-2910	28	9	affecting	affect	VERB
ajbmeb-2910	28	10	2	2	NUM
ajbmeb-2910	28	11	efficiency	efficiency	NOUN
ajbmeb-2910	28	12	indicators	indicator	NOUN
ajbmeb-2910	28	13	(	(	PUNCT
ajbmeb-2910	28	14	roa	roa	NOUN
ajbmeb-2910	28	15	and	and	CCONJ
ajbmeb-2910	28	16	interest	interest	NOUN
ajbmeb-2910	28	17	income	income	NOUN
ajbmeb-2910	28	18	)	)	PUNCT
ajbmeb-2910	28	19	of	of	ADP
ajbmeb-2910	28	20	private	private	ADJ
ajbmeb-2910	28	21	banks	bank	NOUN
ajbmeb-2910	28	22	operating	operate	VERB
ajbmeb-2910	28	23	in	in	ADP
ajbmeb-2910	28	24	the	the	DET
ajbmeb-2910	28	25	republic	republic	NOUN
ajbmeb-2910	28	26	of	of	ADP
ajbmeb-2910	28	27	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	28	28	[	[	X
ajbmeb-2910	28	29	5	5	NUM
ajbmeb-2910	28	30	]	]	PUNCT
ajbmeb-2910	28	31	.	.	PUNCT
ajbmeb-2910	29	1	russian	russian	ADJ
ajbmeb-2910	29	2	scientists	scientist	NOUN
ajbmeb-2910	29	3	shershneva	shershneva	VERB
ajbmeb-2910	29	4	e.g.	e.g.	ADV
ajbmeb-2910	29	5	,	,	PUNCT
ajbmeb-2910	29	6	kondyukova	kondyukova	PROPN
ajbmeb-2910	29	7	e.s	e.s	PROPN
ajbmeb-2910	29	8	.	.	PROPN
ajbmeb-2910	29	9	(	(	PUNCT
ajbmeb-2910	29	10	2017	2017	NUM
ajbmeb-2910	29	11	)	)	PUNCT
ajbmeb-2910	29	12	learned	learn	VERB
ajbmeb-2910	29	13	that	that	SCONJ
ajbmeb-2910	29	14	the	the	DET
ajbmeb-2910	29	15	bank	bank	NOUN
ajbmeb-2910	29	16	's	's	PART
ajbmeb-2910	29	17	resource	resource	NOUN
ajbmeb-2910	29	18	base	base	NOUN
ajbmeb-2910	29	19	can	can	AUX
ajbmeb-2910	29	20	be	be	AUX
ajbmeb-2910	29	21	realized	realize	VERB
ajbmeb-2910	29	22	through	through	ADP
ajbmeb-2910	29	23	the	the	DET
ajbmeb-2910	29	24	formation	formation	NOUN
ajbmeb-2910	29	25	of	of	ADP
ajbmeb-2910	29	26	its	its	PRON
ajbmeb-2910	29	27	funds	fund	NOUN
ajbmeb-2910	29	28	and	and	CCONJ
ajbmeb-2910	29	29	borrowed	borrow	VERB
ajbmeb-2910	29	30	funds	fund	NOUN
ajbmeb-2910	29	31	[	[	X
ajbmeb-2910	29	32	6	6	NUM
ajbmeb-2910	29	33	]	]	PUNCT
ajbmeb-2910	29	34	.	.	PUNCT
ajbmeb-2910	30	1	in	in	ADP
ajbmeb-2910	30	2	the	the	DET
ajbmeb-2910	30	3	textbook	textbook	NOUN
ajbmeb-2910	30	4	,	,	PUNCT
ajbmeb-2910	30	5	"	"	PUNCT
ajbmeb-2910	30	6	banking	banking	NOUN
ajbmeb-2910	30	7	"	"	PUNCT
ajbmeb-2910	30	8	,	,	PUNCT
ajbmeb-2910	30	9	co	co	VERB
ajbmeb-2910	30	10	-	-	VERB
ajbmeb-2910	30	11	authored	author	VERB
ajbmeb-2910	30	12	by	by	ADP
ajbmeb-2910	30	13	azizov	azizov	PROPN
ajbmeb-2910	30	14	u.o	u.o	PROPN
ajbmeb-2910	30	15	.	.	PROPN
ajbmeb-2910	30	16	,	,	PUNCT
ajbmeb-2910	30	17	karaliev	karaliev	PROPN
ajbmeb-2910	30	18	t.m	t.m	PROPN
ajbmeb-2910	30	19	.	.	PROPN
ajbmeb-2910	30	20	,	,	PUNCT
ajbmeb-2910	30	21	and	and	CCONJ
ajbmeb-2910	30	22	others	other	NOUN
ajbmeb-2910	30	23	(	(	PUNCT
ajbmeb-2910	30	24	2016	2016	NUM
ajbmeb-2910	30	25	)	)	PUNCT
ajbmeb-2910	30	26	,	,	PUNCT
ajbmeb-2910	30	27	the	the	DET
ajbmeb-2910	30	28	resource	resource	NOUN
ajbmeb-2910	30	29	base	base	NOUN
ajbmeb-2910	30	30	of	of	ADP
ajbmeb-2910	30	31	commercial	commercial	ADJ
ajbmeb-2910	30	32	banks	bank	NOUN
ajbmeb-2910	30	33	are	be	AUX
ajbmeb-2910	30	34	divided	divide	VERB
ajbmeb-2910	30	35	into	into	ADP
ajbmeb-2910	30	36	the	the	DET
ajbmeb-2910	30	37	bank	bank	NOUN
ajbmeb-2910	30	38	's	's	PART
ajbmeb-2910	30	39	funds	fund	NOUN
ajbmeb-2910	30	40	,	,	PUNCT
ajbmeb-2910	30	41	equivalent	equivalent	ADJ
ajbmeb-2910	30	42	funds	fund	NOUN
ajbmeb-2910	30	43	,	,	PUNCT
ajbmeb-2910	30	44	and	and	CCONJ
ajbmeb-2910	30	45	borrowed	borrow	VERB
ajbmeb-2910	30	46	funds	fund	NOUN
ajbmeb-2910	30	47	by	by	ADP
ajbmeb-2910	30	48	type	type	NOUN
ajbmeb-2910	30	49	of	of	ADP
ajbmeb-2910	30	50	resources[7	resources[7	NOUN
ajbmeb-2910	30	51	]	]	PUNCT
ajbmeb-2910	30	52	.	.	PUNCT
ajbmeb-2910	31	1	according	accord	VERB
ajbmeb-2910	31	2	to	to	ADP
ajbmeb-2910	31	3	one	one	NUM
ajbmeb-2910	31	4	of	of	ADP
ajbmeb-2910	31	5	our	our	PRON
ajbmeb-2910	31	6	local	local	ADJ
ajbmeb-2910	31	7	scientists	scientist	NOUN
ajbmeb-2910	31	8	,	,	PUNCT
ajbmeb-2910	31	9	professor	professor	NOUN
ajbmeb-2910	31	10	abdullaeva	abdullaeva	PROPN
ajbmeb-2910	31	11	sh.z	sh.z	PROPN
ajbmeb-2910	31	12	.	.	PROPN
ajbmeb-2910	31	13	,	,	PUNCT
ajbmeb-2910	31	14	(	(	PUNCT
ajbmeb-2910	31	15	2019	2019	NUM
ajbmeb-2910	31	16	)	)	PUNCT
ajbmeb-2910	31	17	“	"	PUNCT
ajbmeb-2910	31	18	the	the	DET
ajbmeb-2910	31	19	resource	resource	NOUN
ajbmeb-2910	31	20	base	base	NOUN
ajbmeb-2910	31	21	of	of	ADP
ajbmeb-2910	31	22	commercial	commercial	ADJ
ajbmeb-2910	31	23	banks	bank	NOUN
ajbmeb-2910	31	24	determines	determine	VERB
ajbmeb-2910	31	25	the	the	DET
ajbmeb-2910	31	26	level	level	NOUN
ajbmeb-2910	31	27	of	of	ADP
ajbmeb-2910	31	28	its	its	PRON
ajbmeb-2910	31	29	credit	credit	NOUN
ajbmeb-2910	31	30	potential	potential	NOUN
ajbmeb-2910	31	31	.	.	PUNCT
ajbmeb-2910	32	1	the	the	DET
ajbmeb-2910	32	2	resource	resource	NOUN
ajbmeb-2910	32	3	base	base	NOUN
ajbmeb-2910	32	4	created	create	VERB
ajbmeb-2910	32	5	by	by	ADP
ajbmeb-2910	32	6	the	the	DET
ajbmeb-2910	32	7	bank	bank	NOUN
ajbmeb-2910	32	8	can	can	AUX
ajbmeb-2910	32	9	be	be	AUX
ajbmeb-2910	32	10	used	use	VERB
ajbmeb-2910	32	11	to	to	PART
ajbmeb-2910	32	12	provide	provide	VERB
ajbmeb-2910	32	13	various	various	ADJ
ajbmeb-2910	32	14	loans	loan	NOUN
ajbmeb-2910	32	15	and	and	CCONJ
ajbmeb-2910	32	16	finance	finance	NOUN
ajbmeb-2910	32	17	investments	investment	NOUN
ajbmeb-2910	32	18	and	and	CCONJ
ajbmeb-2910	32	19	other	other	ADJ
ajbmeb-2910	32	20	active	active	ADJ
ajbmeb-2910	32	21	operations	operation	NOUN
ajbmeb-2910	32	22	[	[	X
ajbmeb-2910	32	23	8	8	NUM
ajbmeb-2910	32	24	]	]	PUNCT
ajbmeb-2910	32	25	.	.	PUNCT
ajbmeb-2910	33	1	qurbonov	qurbonov	PROPN
ajbmeb-2910	33	2	r.	r.	PROPN
ajbmeb-2910	33	3	(	(	PUNCT
ajbmeb-2910	33	4	2019	2019	NUM
ajbmeb-2910	33	5	)	)	PUNCT
ajbmeb-2910	33	6	the	the	DET
ajbmeb-2910	33	7	resource	resource	NOUN
ajbmeb-2910	33	8	base	base	NOUN
ajbmeb-2910	33	9	of	of	ADP
ajbmeb-2910	33	10	private	private	ADJ
ajbmeb-2910	33	11	banks	bank	NOUN
ajbmeb-2910	33	12	is	be	AUX
ajbmeb-2910	33	13	a	a	DET
ajbmeb-2910	33	14	source	source	NOUN
ajbmeb-2910	33	15	of	of	ADP
ajbmeb-2910	33	16	their	their	PRON
ajbmeb-2910	33	17	funds	fund	NOUN
ajbmeb-2910	33	18	,	,	PUNCT
ajbmeb-2910	33	19	as	as	ADV
ajbmeb-2910	33	20	well	well	ADV
ajbmeb-2910	33	21	as	as	ADP
ajbmeb-2910	33	22	a	a	DET
ajbmeb-2910	33	23	condition	condition	NOUN
ajbmeb-2910	33	24	for	for	ADP
ajbmeb-2910	33	25	their	their	PRON
ajbmeb-2910	33	26	return	return	NOUN
ajbmeb-2910	33	27	to	to	ADP
ajbmeb-2910	33	28	the	the	DET
ajbmeb-2910	33	29	free	free	ADJ
ajbmeb-2910	33	30	funds	fund	NOUN
ajbmeb-2910	33	31	of	of	ADP
ajbmeb-2910	33	32	legal	legal	ADJ
ajbmeb-2910	33	33	entities	entity	NOUN
ajbmeb-2910	33	34	and	and	CCONJ
ajbmeb-2910	33	35	individuals	individual	NOUN
ajbmeb-2910	33	36	,	,	PUNCT
ajbmeb-2910	33	37	used	use	VERB
ajbmeb-2910	33	38	to	to	PART
ajbmeb-2910	33	39	increase	increase	VERB
ajbmeb-2910	33	40	opportunities	opportunity	NOUN
ajbmeb-2910	33	41	for	for	ADP
ajbmeb-2910	33	42	mobilizing	mobilize	VERB
ajbmeb-2910	33	43	financial	financial	ADJ
ajbmeb-2910	33	44	resources	resource	NOUN
ajbmeb-2910	33	45	and	and	CCONJ
ajbmeb-2910	33	46	expanding	expand	VERB
ajbmeb-2910	33	47	the	the	DET
ajbmeb-2910	33	48	volume	volume	NOUN
ajbmeb-2910	33	49	of	of	ADP
ajbmeb-2910	33	50	active	active	ADJ
ajbmeb-2910	33	51	operations	operation	NOUN
ajbmeb-2910	33	52	to	to	PART
ajbmeb-2910	33	53	maintain	maintain	VERB
ajbmeb-2910	33	54	a	a	DET
ajbmeb-2910	33	55	high	high	ADJ
ajbmeb-2910	33	56	level	level	NOUN
ajbmeb-2910	33	57	of	of	ADP
ajbmeb-2910	33	58	competitiveness	competitiveness	NOUN
ajbmeb-2910	33	59	and	and	CCONJ
ajbmeb-2910	33	60	a	a	DET
ajbmeb-2910	33	61	positive	positive	ADJ
ajbmeb-2910	33	62	image	image	NOUN
ajbmeb-2910	33	63	the	the	DET
ajbmeb-2910	33	64	amount	amount	NOUN
ajbmeb-2910	33	65	of	of	ADP
ajbmeb-2910	33	66	borrowed	borrow	VERB
ajbmeb-2910	33	67	and	and	CCONJ
ajbmeb-2910	33	68	borrowed	borrow	VERB
ajbmeb-2910	33	69	money	money	NOUN
ajbmeb-2910	33	70	[	[	X
ajbmeb-2910	33	71	9	9	NUM
ajbmeb-2910	33	72	]	]	PUNCT
ajbmeb-2910	33	73	.	.	PUNCT
ajbmeb-2910	34	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	34	2	r.b	r.b	PROPN
ajbmeb-2910	34	3	.	.	PROPN
ajbmeb-2910	34	4	(	(	PUNCT
ajbmeb-2910	34	5	2020	2020	NUM
ajbmeb-2910	34	6	)	)	PUNCT
ajbmeb-2910	34	7	the	the	DET
ajbmeb-2910	34	8	analyzed	analyze	VERB
ajbmeb-2910	34	9	financial	financial	ADJ
ajbmeb-2910	34	10	performance	performance	NOUN
ajbmeb-2910	34	11	of	of	ADP
ajbmeb-2910	34	12	private	private	ADJ
ajbmeb-2910	34	13	banks	bank	NOUN
ajbmeb-2910	34	14	in	in	ADP
ajbmeb-2910	34	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	34	16	.	.	PUNCT
ajbmeb-2910	35	1	he	he	PRON
ajbmeb-2910	35	2	argued	argue	VERB
ajbmeb-2910	35	3	that	that	SCONJ
ajbmeb-2910	35	4	the	the	DET
ajbmeb-2910	35	5	volume	volume	NOUN
ajbmeb-2910	35	6	of	of	ADP
ajbmeb-2910	35	7	bank	bank	NOUN
ajbmeb-2910	35	8	assets	asset	NOUN
ajbmeb-2910	35	9	,	,	PUNCT
ajbmeb-2910	35	10	asset	asset	NOUN
ajbmeb-2910	35	11	management	management	NOUN
ajbmeb-2910	35	12	ratio	ratio	NOUN
ajbmeb-2910	35	13	and	and	CCONJ
ajbmeb-2910	35	14	operational	operational	ADJ
ajbmeb-2910	35	15	efficiency	efficiency	NOUN
ajbmeb-2910	35	16	are	be	AUX
ajbmeb-2910	35	17	positively	positively	ADV
ajbmeb-2910	35	18	correlated	correlate	VERB
ajbmeb-2910	35	19	with	with	ADP
ajbmeb-2910	35	20	roa	roa	PROPN
ajbmeb-2910	35	21	[	[	X
ajbmeb-2910	35	22	10	10	NUM
ajbmeb-2910	35	23	]	]	PUNCT
ajbmeb-2910	35	24	.	.	PUNCT
ajbmeb-2910	36	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	36	2	r.b	r.b	PROPN
ajbmeb-2910	36	3	.	.	PROPN
ajbmeb-2910	36	4	(	(	PUNCT
ajbmeb-2910	36	5	2021	2021	NUM
ajbmeb-2910	36	6	)	)	PUNCT
ajbmeb-2910	36	7	is	be	AUX
ajbmeb-2910	36	8	devoted	devote	VERB
ajbmeb-2910	36	9	to	to	ADP
ajbmeb-2910	36	10	the	the	DET
ajbmeb-2910	36	11	formation	formation	NOUN
ajbmeb-2910	36	12	of	of	ADP
ajbmeb-2910	36	13	the	the	DET
ajbmeb-2910	36	14	resource	resource	NOUN
ajbmeb-2910	36	15	base	base	NOUN
ajbmeb-2910	36	16	of	of	ADP
ajbmeb-2910	36	17	private	private	ADJ
ajbmeb-2910	36	18	banks	bank	NOUN
ajbmeb-2910	36	19	operating	operate	VERB
ajbmeb-2910	36	20	in	in	ADP
ajbmeb-2910	36	21	the	the	DET
ajbmeb-2910	36	22	republic	republic	NOUN
ajbmeb-2910	36	23	of	of	ADP
ajbmeb-2910	36	24	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	37	1	[	[	X
ajbmeb-2910	37	2	11,12	11,12	NUM
ajbmeb-2910	37	3	]	]	PUNCT
ajbmeb-2910	37	4	.	.	PUNCT
ajbmeb-2910	38	1	donnellan	donnellan	PROPN
ajbmeb-2910	38	2	,	,	PUNCT
ajbmeb-2910	38	3	j.	j.	PROPN
ajbmeb-2910	38	4	,	,	PUNCT
ajbmeb-2910	38	5	&	&	CCONJ
ajbmeb-2910	38	6	rutledge	rutledge	PROPN
ajbmeb-2910	38	7	,	,	PUNCT
ajbmeb-2910	38	8	w.	w.	PROPN
ajbmeb-2910	38	9	l.	l.	PROPN
ajbmeb-2910	38	10	(	(	PUNCT
ajbmeb-2910	38	11	2019	2019	NUM
ajbmeb-2910	38	12	)	)	PUNCT
ajbmeb-2910	38	13	analyzed	analyze	VERB
ajbmeb-2910	38	14	a	a	DET
ajbmeb-2910	38	15	theoretical	theoretical	ADJ
ajbmeb-2910	38	16	and	and	CCONJ
ajbmeb-2910	38	17	practical	practical	ADJ
ajbmeb-2910	38	18	insight	insight	NOUN
ajbmeb-2910	38	19	of	of	ADP
ajbmeb-2910	38	20	rbv	rbv	NOUN
ajbmeb-2910	38	21	on	on	ADP
ajbmeb-2910	38	22	the	the	DET
ajbmeb-2910	38	23	“	"	PUNCT
ajbmeb-2910	38	24	what	what	PRON
ajbmeb-2910	38	25	happened	happen	VERB
ajbmeb-2910	38	26	”	"	PUNCT
ajbmeb-2910	38	27	aspect	aspect	NOUN
ajbmeb-2910	38	28	of	of	ADP
ajbmeb-2910	38	29	jpmorgan	jpmorgan	PROPN
ajbmeb-2910	38	30	chase	chase	PROPN
ajbmeb-2910	38	31	and	and	CCONJ
ajbmeb-2910	38	32	then	then	ADV
ajbmeb-2910	38	33	discuss	discuss	VERB
ajbmeb-2910	38	34	their	their	PRON
ajbmeb-2910	38	35	ability	ability	NOUN
ajbmeb-2910	38	36	to	to	PART
ajbmeb-2910	38	37	achieve	achieve	VERB
ajbmeb-2910	38	38	and	and	CCONJ
ajbmeb-2910	38	39	maintain	maintain	VERB
ajbmeb-2910	38	40	competitive	competitive	ADJ
ajbmeb-2910	38	41	advantage	advantage	NOUN
ajbmeb-2910	38	42	[	[	X
ajbmeb-2910	38	43	13	13	NUM
ajbmeb-2910	38	44	]	]	PUNCT
ajbmeb-2910	38	45	.	.	PUNCT
ajbmeb-2910	39	1	ahmed	ahmed	PROPN
ajbmeb-2910	39	2	,	,	PUNCT
ajbmeb-2910	39	3	a.	a.	PROPN
ajbmeb-2910	39	4	,	,	PUNCT
ajbmeb-2910	39	5	khuwaja	khuwaja	PROPN
ajbmeb-2910	39	6	,	,	PUNCT
ajbmeb-2910	39	7	f.	f.	PROPN
ajbmeb-2910	39	8	m.	m.	PROPN
ajbmeb-2910	39	9	,	,	PUNCT
ajbmeb-2910	39	10	brohi	brohi	NOUN
ajbmeb-2910	39	11	,	,	PUNCT
ajbmeb-2910	39	12	n.	n.	PROPN
ajbmeb-2910	39	13	a.	a.	PROPN
ajbmeb-2910	39	14	,	,	PUNCT
ajbmeb-2910	39	15	othman	othman	PROPN
ajbmeb-2910	39	16	,	,	PUNCT
ajbmeb-2910	39	17	i.	i.	PROPN
ajbmeb-2910	39	18	,	,	PUNCT
ajbmeb-2910	39	19	&	&	CCONJ
ajbmeb-2910	39	20	bin	bin	PROPN
ajbmeb-2910	39	21	,	,	PUNCT
ajbmeb-2910	39	22	l.	l.	PROPN
ajbmeb-2910	39	23	(	(	PUNCT
ajbmeb-2910	39	24	2018	2018	NUM
ajbmeb-2910	39	25	)	)	PUNCT
ajbmeb-2910	39	26	.	.	PUNCT
ajbmeb-2910	40	1	they	they	PRON
ajbmeb-2910	40	2	developed	develop	VERB
ajbmeb-2910	40	3	five	five	NUM
ajbmeb-2910	40	4	research	research	NOUN
ajbmeb-2910	40	5	proposals	proposal	NOUN
ajbmeb-2910	40	6	based	base	VERB
ajbmeb-2910	40	7	on	on	ADP
ajbmeb-2910	40	8	a	a	DET
ajbmeb-2910	40	9	relevant	relevant	ADJ
ajbmeb-2910	40	10	review	review	NOUN
ajbmeb-2910	40	11	of	of	ADP
ajbmeb-2910	40	12	the	the	DET
ajbmeb-2910	40	13	relevant	relevant	ADJ
ajbmeb-2910	40	14	literature	literature	NOUN
ajbmeb-2910	40	15	and	and	CCONJ
ajbmeb-2910	40	16	assessed	assess	VERB
ajbmeb-2910	40	17	the	the	DET
ajbmeb-2910	40	18	prospects	prospect	NOUN
ajbmeb-2910	40	19	and	and	CCONJ
ajbmeb-2910	40	20	current	current	ADJ
ajbmeb-2910	40	21	state	state	NOUN
ajbmeb-2910	40	22	of	of	ADP
ajbmeb-2910	40	23	the	the	DET
ajbmeb-2910	40	24	banking	banking	NOUN
ajbmeb-2910	40	25	sector	sector	NOUN
ajbmeb-2910	40	26	in	in	ADP
ajbmeb-2910	40	27	pakistan	pakistan	PROPN
ajbmeb-2910	41	1	[	[	X
ajbmeb-2910	41	2	14	14	NUM
ajbmeb-2910	41	3	]	]	PUNCT
ajbmeb-2910	41	4	.	.	PUNCT
ajbmeb-2910	42	1	mahmood	mahmood	PROPN
ajbmeb-2910	42	2	,	,	PUNCT
ajbmeb-2910	42	3	n.s	n.s	PROPN
ajbmeb-2910	42	4	.	.	PROPN
ajbmeb-2910	42	5	and	and	CCONJ
ajbmeb-2910	42	6	ahmed	ahmed	PROPN
ajbmeb-2910	42	7	,	,	PUNCT
ajbmeb-2910	42	8	e.m	e.m	PROPN
ajbmeb-2910	42	9	.	.	PROPN
ajbmeb-2910	42	10	were	be	AUX
ajbmeb-2910	42	11	examines	examine	VERB
ajbmeb-2910	42	12	the	the	DET
ajbmeb-2910	42	13	mediating	mediate	VERB
ajbmeb-2910	42	14	effect	effect	NOUN
ajbmeb-2910	42	15	of	of	ADP
ajbmeb-2910	42	16	risk	risk	NOUN
ajbmeb-2910	42	17	management	management	NOUN
ajbmeb-2910	42	18	practices	practice	NOUN
ajbmeb-2910	42	19	on	on	ADP
ajbmeb-2910	42	20	the	the	DET
ajbmeb-2910	42	21	relationship	relationship	NOUN
ajbmeb-2910	42	22	between	between	ADP
ajbmeb-2910	42	23	understanding	understand	VERB
ajbmeb-2910	42	24	risk	risk	NOUN
ajbmeb-2910	42	25	and	and	CCONJ
ajbmeb-2910	42	26	management	management	NOUN
ajbmeb-2910	42	27	in	in	ADP
ajbmeb-2910	42	28	iraqi	iraqi	ADJ
ajbmeb-2910	42	29	private	private	ADJ
ajbmeb-2910	42	30	banks	bank	NOUN
ajbmeb-2910	42	31	,	,	PUNCT
ajbmeb-2910	42	32	risk	risk	NOUN
ajbmeb-2910	42	33	identification	identification	NOUN
ajbmeb-2910	42	34	,	,	PUNCT
ajbmeb-2910	42	35	risk	risk	NOUN
ajbmeb-2910	42	36	assessment	assessment	NOUN
ajbmeb-2910	42	37	analysis	analysis	NOUN
ajbmeb-2910	42	38	,	,	PUNCT
ajbmeb-2910	42	39	risk	risk	NOUN
ajbmeb-2910	42	40	monitoring	monitoring	NOUN
ajbmeb-2910	42	41	,	,	PUNCT
ajbmeb-2910	42	42	credit	credit	NOUN
ajbmeb-2910	42	43	risk	risk	NOUN
ajbmeb-2910	42	44	analysis	analysis	NOUN
ajbmeb-2910	42	45	,	,	PUNCT
ajbmeb-2910	42	46	and	and	CCONJ
ajbmeb-2910	42	47	financial	financial	ADJ
ajbmeb-2910	42	48	performance	performance	NOUN
ajbmeb-2910	42	49	[	[	X
ajbmeb-2910	42	50	15	15	NUM
ajbmeb-2910	42	51	]	]	PUNCT
ajbmeb-2910	42	52	.	.	PUNCT
ajbmeb-2910	43	1	roy	roy	PROPN
ajbmeb-2910	43	2	,	,	PUNCT
ajbmeb-2910	43	3	a.	a.	NOUN
ajbmeb-2910	43	4	analyzed	analyze	VERB
ajbmeb-2910	43	5	business	business	NOUN
ajbmeb-2910	43	6	segment	segment	NOUN
ajbmeb-2910	43	7	diversification	diversification	NOUN
ajbmeb-2910	43	8	of	of	ADP
ajbmeb-2910	43	9	private	private	ADJ
ajbmeb-2910	43	10	banks	bank	NOUN
ajbmeb-2910	43	11	in	in	ADP
ajbmeb-2910	43	12	india	india	PROPN
ajbmeb-2910	44	1	[	[	X
ajbmeb-2910	44	2	16	16	NUM
ajbmeb-2910	44	3	]	]	PUNCT
ajbmeb-2910	44	4	.	.	PUNCT
ajbmeb-2910	45	1	american	american	PROPN
ajbmeb-2910	45	2	journal	journal	PROPN
ajbmeb-2910	45	3	of	of	ADP
ajbmeb-2910	45	4	business	business	NOUN
ajbmeb-2910	45	5	management	management	NOUN
ajbmeb-2910	45	6	,	,	PUNCT
ajbmeb-2910	45	7	economics	economic	NOUN
ajbmeb-2910	45	8	and	and	CCONJ
ajbmeb-2910	45	9	banking	banking	NOUN
ajbmeb-2910	45	10	volume	volume	NOUN
ajbmeb-2910	45	11	36	36	NUM
ajbmeb-2910	45	12	may2025	may2025	NOUN
ajbmeb-2910	45	13	p	p	NOUN
ajbmeb-2910	45	14	a	a	DET
ajbmeb-2910	45	15	g	g	NOUN
ajbmeb-2910	45	16	e	e	NOUN
ajbmeb-2910	45	17	|	|	ADV
ajbmeb-2910	45	18	3	3	NUM
ajbmeb-2910	45	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	45	20	materials	material	NOUN
ajbmeb-2910	45	21	and	and	CCONJ
ajbmeb-2910	45	22	methods	method	NOUN
ajbmeb-2910	45	23	the	the	DET
ajbmeb-2910	45	24	analysis	analysis	NOUN
ajbmeb-2910	45	25	used	use	VERB
ajbmeb-2910	45	26	the	the	DET
ajbmeb-2910	45	27	methods	method	NOUN
ajbmeb-2910	45	28	of	of	ADP
ajbmeb-2910	45	29	statistical	statistical	ADJ
ajbmeb-2910	45	30	grouping	grouping	NOUN
ajbmeb-2910	45	31	,	,	PUNCT
ajbmeb-2910	45	32	regression	regression	NOUN
ajbmeb-2910	45	33	analysis	analysis	NOUN
ajbmeb-2910	45	34	,	,	PUNCT
ajbmeb-2910	45	35	and	and	CCONJ
ajbmeb-2910	45	36	correlation	correlation	NOUN
ajbmeb-2910	45	37	.	.	PUNCT
ajbmeb-2910	46	1	the	the	DET
ajbmeb-2910	46	2	article	article	NOUN
ajbmeb-2910	46	3	examines	examine	VERB
ajbmeb-2910	46	4	the	the	DET
ajbmeb-2910	46	5	regression	regression	NOUN
ajbmeb-2910	46	6	and	and	CCONJ
ajbmeb-2910	46	7	correlation	correlation	NOUN
ajbmeb-2910	46	8	analysis	analysis	NOUN
ajbmeb-2910	46	9	period	period	NOUN
ajbmeb-2910	46	10	for	for	ADP
ajbmeb-2910	46	11	10	10	NUM
ajbmeb-2910	46	12	years	year	NOUN
ajbmeb-2910	46	13	(	(	PUNCT
ajbmeb-2910	46	14	2013	2013	NUM
ajbmeb-2910	46	15	-	-	SYM
ajbmeb-2910	46	16	2019	2019	NUM
ajbmeb-2910	46	17	)	)	PUNCT
ajbmeb-2910	46	18	and	and	CCONJ
ajbmeb-2910	46	19	identifies	identify	VERB
ajbmeb-2910	46	20	trends	trend	NOUN
ajbmeb-2910	46	21	.	.	PUNCT
ajbmeb-2910	47	1	econometric	econometric	ADJ
ajbmeb-2910	47	2	analysis	analysis	NOUN
ajbmeb-2910	47	3	of	of	ADP
ajbmeb-2910	47	4	multivariate	multivariate	NOUN
ajbmeb-2910	47	5	regression	regression	NOUN
ajbmeb-2910	47	6	and	and	CCONJ
ajbmeb-2910	47	7	correlation	correlation	NOUN
ajbmeb-2910	47	8	factors	factor	NOUN
ajbmeb-2910	47	9	was	be	AUX
ajbmeb-2910	47	10	carried	carry	VERB
ajbmeb-2910	47	11	out	out	ADP
ajbmeb-2910	47	12	based	base	VERB
ajbmeb-2910	47	13	on	on	ADP
ajbmeb-2910	47	14	data	datum	NOUN
ajbmeb-2910	47	15	from	from	ADP
ajbmeb-2910	47	16	6	6	NUM
ajbmeb-2910	47	17	private	private	ADJ
ajbmeb-2910	47	18	banks	bank	NOUN
ajbmeb-2910	47	19	in	in	ADP
ajbmeb-2910	47	20	the	the	DET
ajbmeb-2910	47	21	country	country	NOUN
ajbmeb-2910	47	22	for	for	ADP
ajbmeb-2910	47	23	2010	2010	NUM
ajbmeb-2910	47	24	-	-	SYM
ajbmeb-2910	47	25	2019	2019	NUM
ajbmeb-2910	47	26	.	.	PUNCT
ajbmeb-2910	48	1	the	the	DET
ajbmeb-2910	48	2	dynamic	dynamic	ADJ
ajbmeb-2910	48	3	panel	panel	NOUN
ajbmeb-2910	48	4	data	datum	NOUN
ajbmeb-2910	48	5	uses	use	VERB
ajbmeb-2910	48	6	statistical	statistical	ADJ
ajbmeb-2910	48	7	data	datum	NOUN
ajbmeb-2910	48	8	from	from	ADP
ajbmeb-2910	48	9	the	the	DET
ajbmeb-2910	48	10	central	central	ADJ
ajbmeb-2910	48	11	bank	bank	NOUN
ajbmeb-2910	48	12	of	of	ADP
ajbmeb-2910	48	13	the	the	DET
ajbmeb-2910	48	14	republic	republic	NOUN
ajbmeb-2910	48	15	of	of	ADP
ajbmeb-2910	48	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	48	17	and	and	CCONJ
ajbmeb-2910	48	18	an	an	DET
ajbmeb-2910	48	19	open	open	ADJ
ajbmeb-2910	48	20	database	database	NOUN
ajbmeb-2910	48	21	of	of	ADP
ajbmeb-2910	48	22	private	private	ADJ
ajbmeb-2910	48	23	banks	bank	NOUN
ajbmeb-2910	48	24	.	.	PUNCT
ajbmeb-2910	49	1	as	as	ADP
ajbmeb-2910	49	2	a	a	DET
ajbmeb-2910	49	3	result	result	NOUN
ajbmeb-2910	49	4	,	,	PUNCT
ajbmeb-2910	49	5	the	the	DET
ajbmeb-2910	49	6	resource	resource	NOUN
ajbmeb-2910	49	7	base	base	NOUN
ajbmeb-2910	49	8	of	of	ADP
ajbmeb-2910	49	9	private	private	ADJ
ajbmeb-2910	49	10	banks	bank	NOUN
ajbmeb-2910	49	11	in	in	ADP
ajbmeb-2910	49	12	the	the	DET
ajbmeb-2910	49	13	country	country	NOUN
ajbmeb-2910	49	14	was	be	AUX
ajbmeb-2910	49	15	taken	take	VERB
ajbmeb-2910	49	16	,	,	PUNCT
ajbmeb-2910	49	17	and	and	CCONJ
ajbmeb-2910	49	18	the	the	DET
ajbmeb-2910	49	19	causal	causal	ADJ
ajbmeb-2910	49	20	factors	factor	NOUN
ajbmeb-2910	49	21	were	be	AUX
ajbmeb-2910	49	22	the	the	DET
ajbmeb-2910	49	23	volume	volume	NOUN
ajbmeb-2910	49	24	of	of	ADP
ajbmeb-2910	49	25	assets	asset	NOUN
ajbmeb-2910	49	26	of	of	ADP
ajbmeb-2910	49	27	private	private	ADJ
ajbmeb-2910	49	28	banks	bank	NOUN
ajbmeb-2910	49	29	in	in	ADP
ajbmeb-2910	49	30	the	the	DET
ajbmeb-2910	49	31	country	country	NOUN
ajbmeb-2910	49	32	(	(	PUNCT
ajbmeb-2910	49	33	bank	bank	NOUN
ajbmeb-2910	49	34	size	size	NOUN
ajbmeb-2910	49	35	)	)	PUNCT
ajbmeb-2910	49	36	,	,	PUNCT
ajbmeb-2910	49	37	the	the	DET
ajbmeb-2910	49	38	number	number	NOUN
ajbmeb-2910	49	39	of	of	ADP
ajbmeb-2910	49	40	branches	branch	NOUN
ajbmeb-2910	49	41	,	,	PUNCT
ajbmeb-2910	49	42	long	long	ADJ
ajbmeb-2910	49	43	-	-	PUNCT
ajbmeb-2910	49	44	term	term	NOUN
ajbmeb-2910	49	45	interest	interest	NOUN
ajbmeb-2910	49	46	rates	rate	NOUN
ajbmeb-2910	49	47	,	,	PUNCT
ajbmeb-2910	49	48	bank	bank	NOUN
ajbmeb-2910	49	49	capital	capital	NOUN
ajbmeb-2910	49	50	,	,	PUNCT
ajbmeb-2910	49	51	and	and	CCONJ
ajbmeb-2910	49	52	profitability	profitability	NOUN
ajbmeb-2910	49	53	.	.	PUNCT
ajbmeb-2910	50	1	by	by	ADP
ajbmeb-2910	50	2	assets	asset	NOUN
ajbmeb-2910	50	3	.	.	PUNCT
ajbmeb-2910	51	1	in	in	ADP
ajbmeb-2910	51	2	the	the	DET
ajbmeb-2910	51	3	econometric	econometric	ADJ
ajbmeb-2910	51	4	analysis	analysis	NOUN
ajbmeb-2910	51	5	of	of	ADP
ajbmeb-2910	51	6	this	this	DET
ajbmeb-2910	51	7	factor	factor	NOUN
ajbmeb-2910	51	8	,	,	PUNCT
ajbmeb-2910	51	9	we	we	PRON
ajbmeb-2910	51	10	tested	test	VERB
ajbmeb-2910	51	11	the	the	DET
ajbmeb-2910	51	12	variables	variable	NOUN
ajbmeb-2910	51	13	of	of	ADP
ajbmeb-2910	51	14	the	the	DET
ajbmeb-2910	51	15	correlation	correlation	NOUN
ajbmeb-2910	51	16	matrix	matrix	NOUN
ajbmeb-2910	51	17	.	.	PUNCT
ajbmeb-2910	52	1	a	a	DET
ajbmeb-2910	52	2	multivariate	multivariate	NOUN
ajbmeb-2910	52	3	econometric	econometric	ADJ
ajbmeb-2910	52	4	model	model	NOUN
ajbmeb-2910	52	5	was	be	AUX
ajbmeb-2910	52	6	formed	form	VERB
ajbmeb-2910	52	7	by	by	ADP
ajbmeb-2910	52	8	selecting	select	VERB
ajbmeb-2910	52	9	the	the	DET
ajbmeb-2910	52	10	most	most	ADV
ajbmeb-2910	52	11	influential	influential	ADJ
ajbmeb-2910	52	12	of	of	ADP
ajbmeb-2910	52	13	the	the	DET
ajbmeb-2910	52	14	selected	select	VERB
ajbmeb-2910	52	15	outcome	outcome	NOUN
ajbmeb-2910	52	16	variables	variable	NOUN
ajbmeb-2910	52	17	so	so	SCONJ
ajbmeb-2910	52	18	that	that	SCONJ
ajbmeb-2910	52	19	the	the	DET
ajbmeb-2910	52	20	influence	influence	NOUN
ajbmeb-2910	52	21	of	of	ADP
ajbmeb-2910	52	22	the	the	DET
ajbmeb-2910	52	23	independent	independent	ADJ
ajbmeb-2910	52	24	variable	variable	NOUN
ajbmeb-2910	52	25	with	with	ADP
ajbmeb-2910	52	26	the	the	DET
ajbmeb-2910	52	27	main	main	ADJ
ajbmeb-2910	52	28	effect	effect	NOUN
ajbmeb-2910	52	29	on	on	ADP
ajbmeb-2910	52	30	the	the	DET
ajbmeb-2910	52	31	dependent	dependent	ADJ
ajbmeb-2910	52	32	variable	variable	NOUN
ajbmeb-2910	52	33	is	be	AUX
ajbmeb-2910	52	34	not	not	PART
ajbmeb-2910	52	35	lost	lose	VERB
ajbmeb-2910	52	36	.	.	PUNCT
ajbmeb-2910	53	1	the	the	DET
ajbmeb-2910	53	2	mathematical	mathematical	ADJ
ajbmeb-2910	53	3	function	function	NOUN
ajbmeb-2910	53	4	of	of	ADP
ajbmeb-2910	53	5	this	this	DET
ajbmeb-2910	53	6	model	model	NOUN
ajbmeb-2910	53	7	is	be	AUX
ajbmeb-2910	53	8	presented	present	VERB
ajbmeb-2910	53	9	as	as	SCONJ
ajbmeb-2910	53	10	follows	follow	VERB
ajbmeb-2910	53	11	.	.	PUNCT
ajbmeb-2910	54	1	𝒀	𝒀	NOUN
ajbmeb-2910	54	2	=	=	PUNCT
ajbmeb-2910	54	3	𝜷𝟎𝒊𝒕	𝜷𝟎𝒊𝒕	PUNCT
ajbmeb-2910	54	4	+	+	NUM
ajbmeb-2910	54	5	𝜷𝟏	𝜷𝟏	NOUN
ajbmeb-2910	54	6	∗	∗	NOUN
ajbmeb-2910	54	7	𝑿𝟏𝒊𝒕	𝑿𝟏𝒊𝒕	PROPN
ajbmeb-2910	54	8	+	+	CCONJ
ajbmeb-2910	55	1	𝜷𝟐	𝜷𝟐	NOUN
ajbmeb-2910	55	2	∗	∗	NOUN
ajbmeb-2910	55	3	𝑿𝟐𝒊𝒕	𝑿𝟐𝒊𝒕	PRON
ajbmeb-2910	55	4	+	+	CCONJ
ajbmeb-2910	55	5	𝜷𝟑	𝜷𝟑	PROPN
ajbmeb-2910	55	6	∗	∗	NOUN
ajbmeb-2910	55	7	𝑿𝟑𝒊𝒕	𝑿𝟑𝒊𝒕	PUNCT
ajbmeb-2910	56	1	+	+	NUM
ajbmeb-2910	56	2	𝜷𝟒	𝜷𝟒	PROPN
ajbmeb-2910	56	3	∗	∗	NOUN
ajbmeb-2910	56	4	𝑿𝟒𝒊𝒕	𝑿𝟒𝒊𝒕	NOUN
ajbmeb-2910	57	1	+	+	NUM
ajbmeb-2910	57	2	𝜷𝟓	𝜷𝟓	NOUN
ajbmeb-2910	57	3	∗	∗	NOUN
ajbmeb-2910	57	4	𝑿𝟓𝒊𝒕	𝑿𝟓𝒊𝒕	VERB
ajbmeb-2910	58	1	+	+	X
ajbmeb-2910	58	2	є𝒊𝒕	є𝒊𝒕	X
ajbmeb-2910	58	3	(	(	PUNCT
ajbmeb-2910	58	4	1	1	NUM
ajbmeb-2910	58	5	)	)	PUNCT
ajbmeb-2910	58	6	𝑹𝑩𝑷𝑩𝒊,𝒕	𝑹𝑩𝑷𝑩𝒊,𝒕	ADV
ajbmeb-2910	58	7	=	=	SYM
ajbmeb-2910	58	8	𝜷𝟎	𝜷𝟎	PROPN
ajbmeb-2910	58	9	+	+	NUM
ajbmeb-2910	58	10	𝜷𝟏	𝜷𝟏	NOUN
ajbmeb-2910	58	11	∗	∗	NOUN
ajbmeb-2910	58	12	𝑷𝒃𝒂𝒔𝒔𝒆𝒕𝒊,𝒕	𝑷𝒃𝒂𝒔𝒔𝒆𝒕𝒊,𝒕	PUNCT
ajbmeb-2910	59	1	+	+	NUM
ajbmeb-2910	59	2	𝜷𝟐	𝜷𝟐	NOUN
ajbmeb-2910	59	3	∗	∗	NOUN
ajbmeb-2910	59	4	𝒃𝒓𝒂𝒏𝒄𝒉𝒊,𝒕	𝒃𝒓𝒂𝒏𝒄𝒉𝒊,𝒕	PUNCT
ajbmeb-2910	59	5	+	+	CCONJ
ajbmeb-2910	59	6	𝜷𝟑	𝜷𝟑	PROPN
ajbmeb-2910	59	7	∗	∗	NOUN
ajbmeb-2910	59	8	𝒍𝒐𝒏𝒈	𝒍𝒐𝒏𝒈	VERB
ajbmeb-2910	59	9	𝒕𝒆𝒓𝒎	𝒕𝒆𝒓𝒎	VERB
ajbmeb-2910	59	10	𝒄𝒓𝒆𝒅𝒊𝒕	𝒄𝒓𝒆𝒅𝒊𝒕	NOUN
ajbmeb-2910	59	11	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕𝒊,𝒕	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕𝒊,𝒕	X
ajbmeb-2910	59	12	+	+	PROPN
ajbmeb-2910	59	13	𝜷𝟒	𝜷𝟒	PROPN
ajbmeb-2910	59	14	∗	∗	NOUN
ajbmeb-2910	59	15	𝑹𝑶𝑨𝒊,𝒕	𝑹𝑶𝑨𝒊,𝒕	PUNCT
ajbmeb-2910	60	1	+	+	NUM
ajbmeb-2910	60	2	𝜷𝟓	𝜷𝟓	NOUN
ajbmeb-2910	60	3	∗	∗	NOUN
ajbmeb-2910	60	4	𝑹𝑶𝑬𝒊,𝒕	𝑹𝑶𝑬𝒊,𝒕	NOUN
ajbmeb-2910	61	1	+	+	CCONJ
ajbmeb-2910	61	2	є𝒊,𝒕	є𝒊,𝒕	SYM
ajbmeb-2910	61	3	(	(	PUNCT
ajbmeb-2910	61	4	2	2	NUM
ajbmeb-2910	61	5	)	)	PUNCT
ajbmeb-2910	61	6	𝑹𝑩𝑷𝑩=t	𝑹𝑩𝑷𝑩=t	PUNCT
ajbmeb-2910	61	7	is	be	AUX
ajbmeb-2910	61	8	the	the	DET
ajbmeb-2910	61	9	volume	volume	NOUN
ajbmeb-2910	61	10	of	of	ADP
ajbmeb-2910	61	11	the	the	DET
ajbmeb-2910	61	12	resource	resource	NOUN
ajbmeb-2910	61	13	base	base	NOUN
ajbmeb-2910	61	14	of	of	ADP
ajbmeb-2910	61	15	private	private	ADJ
ajbmeb-2910	61	16	banks	bank	NOUN
ajbmeb-2910	61	17	for	for	ADP
ajbmeb-2910	61	18	the	the	DET
ajbmeb-2910	61	19	period	period	NOUN
ajbmeb-2910	61	20	i	i	PRON
ajbmeb-2910	61	21	;	;	PUNCT
ajbmeb-2910	61	22	𝛃𝟎=constant	𝛃𝟎=constant	X
ajbmeb-2910	61	23	,	,	PUNCT
ajbmeb-2910	61	24	𝐘intercept	𝐘intercept	PROPN
ajbmeb-2910	61	25	;	;	PUNCT
ajbmeb-2910	61	26	є𝐢,𝐭=amount	є𝐢,𝐭=amount	NOUN
ajbmeb-2910	61	27	of	of	ADP
ajbmeb-2910	61	28	error	error	NOUN
ajbmeb-2910	61	29	in	in	ADP
ajbmeb-2910	61	30	section	section	NOUN
ajbmeb-2910	61	31	i	i	PRON
ajbmeb-2910	61	32	during	during	ADP
ajbmeb-2910	61	33	period	period	NOUN
ajbmeb-2910	61	34	t.	t.	NOUN
ajbmeb-2910	61	35	𝛃𝟏	𝛃𝟏	PROPN
ajbmeb-2910	61	36	,	,	PUNCT
ajbmeb-2910	61	37	𝛃𝟐	𝛃𝟐	PROPN
ajbmeb-2910	61	38	,	,	PUNCT
ajbmeb-2910	61	39	𝛃𝟑	𝛃𝟑	PROPN
ajbmeb-2910	61	40	,	,	PUNCT
ajbmeb-2910	61	41	𝛃𝟒	𝛃𝟒	PROPN
ajbmeb-2910	61	42	ва	ва	ADP
ajbmeb-2910	61	43	𝛃𝟓	𝛃𝟓	PROPN
ajbmeb-2910	61	44	are	be	AUX
ajbmeb-2910	61	45	coefficients	coefficient	NOUN
ajbmeb-2910	61	46	indicating	indicate	VERB
ajbmeb-2910	61	47	the	the	DET
ajbmeb-2910	61	48	rate	rate	NOUN
ajbmeb-2910	61	49	of	of	ADP
ajbmeb-2910	61	50	change	change	NOUN
ajbmeb-2910	61	51	of	of	ADP
ajbmeb-2910	61	52	the	the	DET
ajbmeb-2910	61	53	resource	resource	NOUN
ajbmeb-2910	61	54	base	base	NOUN
ajbmeb-2910	61	55	relative	relative	ADJ
ajbmeb-2910	61	56	to	to	ADP
ajbmeb-2910	61	57	the	the	DET
ajbmeb-2910	61	58	independent	independent	ADJ
ajbmeb-2910	61	59	variables	variable	NOUN
ajbmeb-2910	61	60	.	.	PUNCT
ajbmeb-2910	62	1	𝑷𝒃𝒂𝒔𝒔𝒆𝒕i	𝑷𝒃𝒂𝒔𝒔𝒆𝒕i	PROPN
ajbmeb-2910	62	2	,	,	PUNCT
ajbmeb-2910	62	3	t	t	PROPN
ajbmeb-2910	62	4	=	=	SYM
ajbmeb-2910	62	5	i	i	PROPN
ajbmeb-2910	62	6	bank	bank	NOUN
ajbmeb-2910	62	7	volume	volume	NOUN
ajbmeb-2910	62	8	of	of	ADP
ajbmeb-2910	62	9	private	private	ADJ
ajbmeb-2910	62	10	banks	bank	NOUN
ajbmeb-2910	62	11	in	in	ADP
ajbmeb-2910	62	12	t	t	PROPN
ajbmeb-2910	62	13	-	-	PUNCT
ajbmeb-2910	62	14	year	year	NOUN
ajbmeb-2910	62	15	(	(	PUNCT
ajbmeb-2910	62	16	bank	bank	NOUN
ajbmeb-2910	62	17	assets	asset	NOUN
ajbmeb-2910	62	18	)	)	PUNCT
ajbmeb-2910	62	19	𝒃𝒓𝒂𝒏𝒄𝒉i	𝒃𝒓𝒂𝒏𝒄𝒉i	ADV
ajbmeb-2910	62	20	,	,	PUNCT
ajbmeb-2910	62	21	t	t	PROPN
ajbmeb-2910	62	22	=	=	SYM
ajbmeb-2910	62	23	inumber	inumber	NOUN
ajbmeb-2910	62	24	of	of	ADP
ajbmeb-2910	62	25	branches	branch	NOUN
ajbmeb-2910	62	26	of	of	ADP
ajbmeb-2910	62	27	private	private	ADJ
ajbmeb-2910	62	28	banks	bank	NOUN
ajbmeb-2910	62	29	in	in	ADP
ajbmeb-2910	62	30	t	t	PROPN
ajbmeb-2910	62	31	-	-	PUNCT
ajbmeb-2910	62	32	year	year	NOUN
ajbmeb-2910	62	33	𝒍𝒐𝒏𝒈	𝒍𝒐𝒏𝒈	PROPN
ajbmeb-2910	62	34	𝒕𝒆𝒓𝒎	𝒕𝒆𝒓𝒎	VERB
ajbmeb-2910	62	35	𝒄𝒓𝒆𝒅𝒊𝒕	𝒄𝒓𝒆𝒅𝒊𝒕	ADJ
ajbmeb-2910	62	36	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕𝐢,𝐭=	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕𝐢,𝐭=	NOUN
ajbmeb-2910	62	37	i	i	PRON
ajbmeb-2910	62	38	average	average	VERB
ajbmeb-2910	62	39	weighted	weight	VERB
ajbmeb-2910	62	40	interest	interest	NOUN
ajbmeb-2910	62	41	rate	rate	NOUN
ajbmeb-2910	62	42	on	on	ADP
ajbmeb-2910	62	43	long	long	ADJ
ajbmeb-2910	62	44	-	-	PUNCT
ajbmeb-2910	62	45	term	term	NOUN
ajbmeb-2910	62	46	loans	loan	NOUN
ajbmeb-2910	62	47	of	of	ADP
ajbmeb-2910	62	48	banks	bank	NOUN
ajbmeb-2910	62	49	in	in	ADP
ajbmeb-2910	62	50	tyear	tyear	NOUN
ajbmeb-2910	62	51	;	;	PUNCT
ajbmeb-2910	62	52	𝑹𝑶𝑨i	𝑹𝑶𝑨i	PROPN
ajbmeb-2910	62	53	,	,	PUNCT
ajbmeb-2910	62	54	t	t	PROPN
ajbmeb-2910	62	55	=	=	AUX
ajbmeb-2910	62	56	return	return	NOUN
ajbmeb-2910	62	57	on	on	ADP
ajbmeb-2910	62	58	assets	asset	NOUN
ajbmeb-2910	62	59	of	of	ADP
ajbmeb-2910	62	60	private	private	ADJ
ajbmeb-2910	62	61	banks	bank	NOUN
ajbmeb-2910	62	62	for	for	ADP
ajbmeb-2910	62	63	the	the	DET
ajbmeb-2910	62	64	period	period	NOUN
ajbmeb-2910	62	65	t	t	NOUN
ajbmeb-2910	62	66	;	;	PUNCT
ajbmeb-2910	62	67	𝐑𝐎𝐄𝐢,𝐭=capital	𝐑𝐎𝐄𝐢,𝐭=capital	ADJ
ajbmeb-2910	62	68	return	return	NOUN
ajbmeb-2910	62	69	of	of	ADP
ajbmeb-2910	62	70	private	private	ADJ
ajbmeb-2910	62	71	banks	bank	NOUN
ajbmeb-2910	62	72	during	during	ADP
ajbmeb-2910	62	73	the	the	DET
ajbmeb-2910	62	74	period	period	NOUN
ajbmeb-2910	62	75	t	t	NOUN
ajbmeb-2910	62	76	;	;	PUNCT
ajbmeb-2910	62	77	where	where	SCONJ
ajbmeb-2910	62	78	t	t	NOUN
ajbmeb-2910	62	79	=	=	SYM
ajbmeb-2910	62	80	2010	2010	NUM
ajbmeb-2910	62	81	-	-	SYM
ajbmeb-2910	62	82	2019	2019	NUM
ajbmeb-2910	62	83	results	result	NOUN
ajbmeb-2910	62	84	and	and	CCONJ
ajbmeb-2910	62	85	discussion	discussion	NOUN
ajbmeb-2910	62	86	despite	despite	SCONJ
ajbmeb-2910	62	87	the	the	DET
ajbmeb-2910	62	88	above	above	ADJ
ajbmeb-2910	62	89	reforms	reform	NOUN
ajbmeb-2910	62	90	,	,	PUNCT
ajbmeb-2910	62	91	at	at	ADP
ajbmeb-2910	62	92	present	present	ADJ
ajbmeb-2910	62	93	,	,	PUNCT
ajbmeb-2910	62	94	the	the	DET
ajbmeb-2910	62	95	resource	resource	NOUN
ajbmeb-2910	62	96	base	base	NOUN
ajbmeb-2910	62	97	and	and	CCONJ
ajbmeb-2910	62	98	total	total	ADJ
ajbmeb-2910	62	99	capital	capital	NOUN
ajbmeb-2910	62	100	of	of	ADP
ajbmeb-2910	62	101	private	private	ADJ
ajbmeb-2910	62	102	banks	bank	NOUN
ajbmeb-2910	62	103	in	in	ADP
ajbmeb-2910	62	104	the	the	DET
ajbmeb-2910	62	105	country	country	NOUN
ajbmeb-2910	62	106	,	,	PUNCT
ajbmeb-2910	62	107	the	the	DET
ajbmeb-2910	62	108	share	share	NOUN
ajbmeb-2910	62	109	of	of	ADP
ajbmeb-2910	62	110	the	the	DET
ajbmeb-2910	62	111	banking	banking	NOUN
ajbmeb-2910	62	112	sector	sector	NOUN
ajbmeb-2910	62	113	in	in	ADP
ajbmeb-2910	62	114	total	total	ADJ
ajbmeb-2910	62	115	capital	capital	NOUN
ajbmeb-2910	62	116	remains	remain	VERB
ajbmeb-2910	62	117	low	low	ADJ
ajbmeb-2910	62	118	.	.	PUNCT
ajbmeb-2910	63	1	the	the	DET
ajbmeb-2910	63	2	total	total	ADJ
ajbmeb-2910	63	3	resource	resource	NOUN
ajbmeb-2910	63	4	base	base	NOUN
ajbmeb-2910	63	5	of	of	ADP
ajbmeb-2910	63	6	private	private	ADJ
ajbmeb-2910	63	7	banks	bank	NOUN
ajbmeb-2910	63	8	is	be	AUX
ajbmeb-2910	63	9	only	only	ADV
ajbmeb-2910	63	10	4	4	NUM
ajbmeb-2910	63	11	%	%	NOUN
ajbmeb-2910	63	12	of	of	ADP
ajbmeb-2910	63	13	all	all	DET
ajbmeb-2910	63	14	commercial	commercial	ADJ
ajbmeb-2910	63	15	banks	bank	NOUN
ajbmeb-2910	63	16	and	and	CCONJ
ajbmeb-2910	63	17	5.3	5.3	NUM
ajbmeb-2910	63	18	%	%	NOUN
ajbmeb-2910	63	19	of	of	ADP
ajbmeb-2910	63	20	their	their	PRON
ajbmeb-2910	63	21	funds[17	funds[17	NOUN
ajbmeb-2910	63	22	]	]	PUNCT
ajbmeb-2910	63	23	.	.	PUNCT
ajbmeb-2910	64	1	when	when	SCONJ
ajbmeb-2910	64	2	analyzing	analyze	VERB
ajbmeb-2910	64	3	the	the	DET
ajbmeb-2910	64	4	resource	resource	NOUN
ajbmeb-2910	64	5	base	base	NOUN
ajbmeb-2910	64	6	of	of	ADP
ajbmeb-2910	64	7	private	private	ADJ
ajbmeb-2910	64	8	banks	bank	NOUN
ajbmeb-2910	64	9	,	,	PUNCT
ajbmeb-2910	64	10	the	the	DET
ajbmeb-2910	64	11	study	study	NOUN
ajbmeb-2910	64	12	of	of	ADP
ajbmeb-2910	64	13	their	their	PRON
ajbmeb-2910	64	14	composition	composition	NOUN
ajbmeb-2910	64	15	is	be	AUX
ajbmeb-2910	64	16	of	of	ADP
ajbmeb-2910	64	17	particular	particular	ADJ
ajbmeb-2910	64	18	importance	importance	NOUN
ajbmeb-2910	64	19	.	.	PUNCT
ajbmeb-2910	65	1	american	american	ADJ
ajbmeb-2910	65	2	journal	journal	PROPN
ajbmeb-2910	65	3	of	of	ADP
ajbmeb-2910	65	4	business	business	NOUN
ajbmeb-2910	65	5	management	management	NOUN
ajbmeb-2910	65	6	,	,	PUNCT
ajbmeb-2910	65	7	economics	economic	NOUN
ajbmeb-2910	65	8	and	and	CCONJ
ajbmeb-2910	65	9	banking	banking	NOUN
ajbmeb-2910	65	10	volume	volume	NOUN
ajbmeb-2910	65	11	36	36	NUM
ajbmeb-2910	65	12	may2025	may2025	NOUN
ajbmeb-2910	65	13	p	p	NOUN
ajbmeb-2910	65	14	a	a	DET
ajbmeb-2910	65	15	g	g	NOUN
ajbmeb-2910	65	16	e	e	NOUN
ajbmeb-2910	65	17	|	|	ADV
ajbmeb-2910	65	18	4	4	NUM
ajbmeb-2910	65	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	65	20	fig	fig	NOUN
ajbmeb-2910	65	21	.	.	PUNCT
ajbmeb-2910	66	1	1	1	X
ajbmeb-2910	66	2	.	.	X
ajbmeb-2910	67	1	the	the	DET
ajbmeb-2910	67	2	structure	structure	NOUN
ajbmeb-2910	67	3	of	of	ADP
ajbmeb-2910	67	4	the	the	DET
ajbmeb-2910	67	5	resource	resource	NOUN
ajbmeb-2910	67	6	base	base	NOUN
ajbmeb-2910	67	7	of	of	ADP
ajbmeb-2910	67	8	6	6	NUM
ajbmeb-2910	67	9	private	private	ADJ
ajbmeb-2910	67	10	banks	bank	NOUN
ajbmeb-2910	67	11	operating	operate	VERB
ajbmeb-2910	67	12	in	in	ADP
ajbmeb-2910	67	13	the	the	DET
ajbmeb-2910	67	14	republic	republic	NOUN
ajbmeb-2910	67	15	of	of	ADP
ajbmeb-2910	67	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	67	17	(	(	PUNCT
ajbmeb-2910	67	18	in	in	ADP
ajbmeb-2910	67	19	percent	percent	NOUN
ajbmeb-2910	67	20	for	for	ADP
ajbmeb-2910	67	21	2019	2019	NUM
ajbmeb-2910	67	22	)	)	PUNCT
ajbmeb-2910	67	23	.	.	PUNCT
ajbmeb-2910	68	1	as	as	SCONJ
ajbmeb-2910	68	2	can	can	AUX
ajbmeb-2910	68	3	be	be	AUX
ajbmeb-2910	68	4	seen	see	VERB
ajbmeb-2910	68	5	from	from	ADP
ajbmeb-2910	68	6	the	the	DET
ajbmeb-2910	68	7	data	datum	NOUN
ajbmeb-2910	68	8	in	in	ADP
ajbmeb-2910	68	9	figure	figure	NOUN
ajbmeb-2910	68	10	1	1	NUM
ajbmeb-2910	68	11	,	,	PUNCT
ajbmeb-2910	68	12	the	the	DET
ajbmeb-2910	68	13	main	main	ADJ
ajbmeb-2910	68	14	share	share	NOUN
ajbmeb-2910	68	15	in	in	ADP
ajbmeb-2910	68	16	the	the	DET
ajbmeb-2910	68	17	structure	structure	NOUN
ajbmeb-2910	68	18	of	of	ADP
ajbmeb-2910	68	19	the	the	DET
ajbmeb-2910	68	20	resource	resource	NOUN
ajbmeb-2910	68	21	base	base	NOUN
ajbmeb-2910	68	22	of	of	ADP
ajbmeb-2910	68	23	private	private	ADJ
ajbmeb-2910	68	24	banks	bank	NOUN
ajbmeb-2910	68	25	in	in	ADP
ajbmeb-2910	68	26	2019	2019	NUM
ajbmeb-2910	68	27	was	be	AUX
ajbmeb-2910	68	28	68.3	68.3	NUM
ajbmeb-2910	68	29	%	%	NOUN
ajbmeb-2910	68	30	of	of	ADP
ajbmeb-2910	68	31	customer	customer	NOUN
ajbmeb-2910	68	32	funds	fund	NOUN
ajbmeb-2910	68	33	.	.	PUNCT
ajbmeb-2910	69	1	after	after	ADP
ajbmeb-2910	69	2	that	that	PRON
ajbmeb-2910	69	3	,	,	PUNCT
ajbmeb-2910	69	4	a	a	DET
ajbmeb-2910	69	5	large	large	ADJ
ajbmeb-2910	69	6	share	share	NOUN
ajbmeb-2910	69	7	was	be	AUX
ajbmeb-2910	69	8	taken	take	VERB
ajbmeb-2910	69	9	by	by	ADP
ajbmeb-2910	69	10	their	their	PRON
ajbmeb-2910	69	11	authorized	authorized	ADJ
ajbmeb-2910	69	12	capital	capital	NOUN
ajbmeb-2910	69	13	and	and	CCONJ
ajbmeb-2910	69	14	funds	fund	NOUN
ajbmeb-2910	69	15	of	of	ADP
ajbmeb-2910	69	16	other	other	ADJ
ajbmeb-2910	69	17	banks	bank	NOUN
ajbmeb-2910	69	18	.	.	PUNCT
ajbmeb-2910	70	1	their	their	PRON
ajbmeb-2910	70	2	share	share	NOUN
ajbmeb-2910	70	3	is	be	AUX
ajbmeb-2910	70	4	11.5	11.5	NUM
ajbmeb-2910	70	5	and	and	CCONJ
ajbmeb-2910	70	6	7.1	7.1	NUM
ajbmeb-2910	70	7	percent	percent	NOUN
ajbmeb-2910	70	8	,	,	PUNCT
ajbmeb-2910	70	9	respectively	respectively	ADV
ajbmeb-2910	70	10	.	.	PUNCT
ajbmeb-2910	71	1	as	as	ADP
ajbmeb-2910	71	2	of	of	ADP
ajbmeb-2910	71	3	january	january	PROPN
ajbmeb-2910	71	4	1	1	NUM
ajbmeb-2910	71	5	,	,	PUNCT
ajbmeb-2910	71	6	2020	2020	NUM
ajbmeb-2910	71	7	,	,	PUNCT
ajbmeb-2910	71	8	the	the	DET
ajbmeb-2910	71	9	share	share	NOUN
ajbmeb-2910	71	10	of	of	ADP
ajbmeb-2910	71	11	non	non	ADJ
ajbmeb-2910	71	12	-	-	ADJ
ajbmeb-2910	71	13	deposit	deposit	ADJ
ajbmeb-2910	71	14	funds	fund	NOUN
ajbmeb-2910	71	15	of	of	ADP
ajbmeb-2910	71	16	private	private	ADJ
ajbmeb-2910	71	17	banks	bank	NOUN
ajbmeb-2910	71	18	in	in	ADP
ajbmeb-2910	71	19	the	the	DET
ajbmeb-2910	71	20	structure	structure	NOUN
ajbmeb-2910	71	21	of	of	ADP
ajbmeb-2910	71	22	the	the	DET
ajbmeb-2910	71	23	resource	resource	NOUN
ajbmeb-2910	71	24	base	base	NOUN
ajbmeb-2910	71	25	amounted	amount	VERB
ajbmeb-2910	71	26	to	to	ADP
ajbmeb-2910	71	27	13.7	13.7	NUM
ajbmeb-2910	71	28	%	%	NOUN
ajbmeb-2910	71	29	,	,	PUNCT
ajbmeb-2910	71	30	the	the	DET
ajbmeb-2910	71	31	bulk	bulk	NOUN
ajbmeb-2910	71	32	of	of	ADP
ajbmeb-2910	71	33	which	which	PRON
ajbmeb-2910	71	34	were	be	AUX
ajbmeb-2910	71	35	funds	fund	NOUN
ajbmeb-2910	71	36	from	from	ADP
ajbmeb-2910	71	37	other	other	ADJ
ajbmeb-2910	71	38	banks	bank	NOUN
ajbmeb-2910	71	39	(	(	PUNCT
ajbmeb-2910	71	40	7.1	7.1	NUM
ajbmeb-2910	71	41	%	%	NOUN
ajbmeb-2910	71	42	)	)	PUNCT
ajbmeb-2910	71	43	.	.	PUNCT
ajbmeb-2910	72	1	unfortunately	unfortunately	ADV
ajbmeb-2910	72	2	,	,	PUNCT
ajbmeb-2910	72	3	the	the	DET
ajbmeb-2910	72	4	share	share	NOUN
ajbmeb-2910	72	5	of	of	ADP
ajbmeb-2910	72	6	subordinated	subordinated	ADJ
ajbmeb-2910	72	7	debt	debt	NOUN
ajbmeb-2910	72	8	obligations	obligation	NOUN
ajbmeb-2910	72	9	and	and	CCONJ
ajbmeb-2910	72	10	other	other	ADJ
ajbmeb-2910	72	11	loans	loan	NOUN
ajbmeb-2910	72	12	issued	issue	VERB
ajbmeb-2910	72	13	by	by	ADP
ajbmeb-2910	72	14	private	private	ADJ
ajbmeb-2910	72	15	banks	bank	NOUN
ajbmeb-2910	72	16	in	in	ADP
ajbmeb-2910	72	17	the	the	DET
ajbmeb-2910	72	18	structure	structure	NOUN
ajbmeb-2910	72	19	of	of	ADP
ajbmeb-2910	72	20	non	non	ADJ
ajbmeb-2910	72	21	-	-	ADJ
ajbmeb-2910	72	22	deposit	deposit	ADJ
ajbmeb-2910	72	23	operations	operation	NOUN
ajbmeb-2910	72	24	is	be	AUX
ajbmeb-2910	72	25	very	very	ADV
ajbmeb-2910	72	26	small	small	ADJ
ajbmeb-2910	72	27	.	.	PUNCT
ajbmeb-2910	73	1	the	the	DET
ajbmeb-2910	73	2	fact	fact	NOUN
ajbmeb-2910	73	3	that	that	SCONJ
ajbmeb-2910	73	4	they	they	PRON
ajbmeb-2910	73	5	are	be	AUX
ajbmeb-2910	73	6	equal	equal	ADJ
ajbmeb-2910	73	7	to	to	ADP
ajbmeb-2910	73	8	0.3	0.3	NUM
ajbmeb-2910	73	9	%	%	NOUN
ajbmeb-2910	73	10	,	,	PUNCT
ajbmeb-2910	73	11	respectively	respectively	ADV
ajbmeb-2910	73	12	,	,	PUNCT
ajbmeb-2910	73	13	suggests	suggest	VERB
ajbmeb-2910	73	14	that	that	SCONJ
ajbmeb-2910	73	15	the	the	DET
ajbmeb-2910	73	16	additional	additional	ADJ
ajbmeb-2910	73	17	capital	capital	NOUN
ajbmeb-2910	73	18	of	of	ADP
ajbmeb-2910	73	19	private	private	ADJ
ajbmeb-2910	73	20	banks	bank	NOUN
ajbmeb-2910	73	21	is	be	AUX
ajbmeb-2910	73	22	not	not	PART
ajbmeb-2910	73	23	sufficiently	sufficiently	ADV
ajbmeb-2910	73	24	formed	form	VERB
ajbmeb-2910	73	25	.	.	PUNCT
ajbmeb-2910	74	1	it	it	PRON
ajbmeb-2910	74	2	turns	turn	VERB
ajbmeb-2910	74	3	out	out	ADP
ajbmeb-2910	74	4	that	that	SCONJ
ajbmeb-2910	74	5	special	special	ADJ
ajbmeb-2910	74	6	attention	attention	NOUN
ajbmeb-2910	74	7	should	should	AUX
ajbmeb-2910	74	8	be	be	AUX
ajbmeb-2910	74	9	paid	pay	VERB
ajbmeb-2910	74	10	to	to	ADP
ajbmeb-2910	74	11	optimizing	optimize	VERB
ajbmeb-2910	74	12	the	the	DET
ajbmeb-2910	74	13	structure	structure	NOUN
ajbmeb-2910	74	14	of	of	ADP
ajbmeb-2910	74	15	the	the	DET
ajbmeb-2910	74	16	resource	resource	NOUN
ajbmeb-2910	74	17	base	base	NOUN
ajbmeb-2910	74	18	of	of	ADP
ajbmeb-2910	74	19	private	private	ADJ
ajbmeb-2910	74	20	banks	bank	NOUN
ajbmeb-2910	74	21	.	.	PUNCT
ajbmeb-2910	75	1	the	the	DET
ajbmeb-2910	75	2	results	result	NOUN
ajbmeb-2910	75	3	of	of	ADP
ajbmeb-2910	75	4	the	the	DET
ajbmeb-2910	75	5	analysis	analysis	NOUN
ajbmeb-2910	75	6	and	and	CCONJ
ajbmeb-2910	75	7	research	research	NOUN
ajbmeb-2910	75	8	show	show	VERB
ajbmeb-2910	75	9	that	that	SCONJ
ajbmeb-2910	75	10	the	the	DET
ajbmeb-2910	75	11	majority	majority	NOUN
ajbmeb-2910	75	12	of	of	ADP
ajbmeb-2910	75	13	private	private	ADJ
ajbmeb-2910	75	14	banks	bank	NOUN
ajbmeb-2910	75	15	have	have	AUX
ajbmeb-2910	75	16	not	not	PART
ajbmeb-2910	75	17	developed	develop	VERB
ajbmeb-2910	75	18	a	a	DET
ajbmeb-2910	75	19	specific	specific	ADJ
ajbmeb-2910	75	20	strategic	strategic	ADJ
ajbmeb-2910	75	21	development	development	NOUN
ajbmeb-2910	75	22	policy	policy	NOUN
ajbmeb-2910	75	23	for	for	ADP
ajbmeb-2910	75	24	the	the	DET
ajbmeb-2910	75	25	short	short	ADJ
ajbmeb-2910	75	26	and	and	CCONJ
ajbmeb-2910	75	27	long	long	ADJ
ajbmeb-2910	75	28	term	term	NOUN
ajbmeb-2910	75	29	to	to	PART
ajbmeb-2910	75	30	attract	attract	VERB
ajbmeb-2910	75	31	resources	resource	NOUN
ajbmeb-2910	75	32	.	.	PUNCT
ajbmeb-2910	76	1	this	this	PRON
ajbmeb-2910	76	2	forces	force	VERB
ajbmeb-2910	76	3	them	they	PRON
ajbmeb-2910	76	4	to	to	PART
ajbmeb-2910	76	5	spontaneously	spontaneously	ADV
ajbmeb-2910	76	6	pursue	pursue	VERB
ajbmeb-2910	76	7	a	a	DET
ajbmeb-2910	76	8	deposit	deposit	NOUN
ajbmeb-2910	76	9	policy	policy	NOUN
ajbmeb-2910	76	10	in	in	ADP
ajbmeb-2910	76	11	the	the	DET
ajbmeb-2910	76	12	country	country	NOUN
ajbmeb-2910	76	13	's	's	PART
ajbmeb-2910	76	14	financial	financial	ADJ
ajbmeb-2910	76	15	market	market	NOUN
ajbmeb-2910	76	16	.	.	PUNCT
ajbmeb-2910	77	1	as	as	ADP
ajbmeb-2910	77	2	a	a	DET
ajbmeb-2910	77	3	result	result	NOUN
ajbmeb-2910	77	4	,	,	PUNCT
ajbmeb-2910	77	5	the	the	DET
ajbmeb-2910	77	6	deposit	deposit	NOUN
ajbmeb-2910	77	7	resources	resource	NOUN
ajbmeb-2910	77	8	of	of	ADP
ajbmeb-2910	77	9	some	some	DET
ajbmeb-2910	77	10	private	private	ADJ
ajbmeb-2910	77	11	banks	bank	NOUN
ajbmeb-2910	77	12	are	be	AUX
ajbmeb-2910	77	13	formed	form	VERB
ajbmeb-2910	77	14	at	at	ADP
ajbmeb-2910	77	15	the	the	DET
ajbmeb-2910	77	16	expense	expense	NOUN
ajbmeb-2910	77	17	of	of	ADP
ajbmeb-2910	77	18	relatively	relatively	ADV
ajbmeb-2910	77	19	unstable	unstable	ADJ
ajbmeb-2910	77	20	funds	fund	NOUN
ajbmeb-2910	77	21	,	,	PUNCT
ajbmeb-2910	77	22	and	and	CCONJ
ajbmeb-2910	77	23	their	their	PRON
ajbmeb-2910	77	24	share	share	NOUN
ajbmeb-2910	77	25	remains	remain	VERB
ajbmeb-2910	77	26	quite	quite	ADV
ajbmeb-2910	77	27	high	high	ADJ
ajbmeb-2910	77	28	.	.	PUNCT
ajbmeb-2910	78	1	in	in	ADP
ajbmeb-2910	78	2	connection	connection	NOUN
ajbmeb-2910	78	3	with	with	ADP
ajbmeb-2910	78	4	the	the	DET
ajbmeb-2910	78	5	above	above	NOUN
ajbmeb-2910	78	6	,	,	PUNCT
ajbmeb-2910	78	7	we	we	PRON
ajbmeb-2910	78	8	carried	carry	VERB
ajbmeb-2910	78	9	out	out	ADP
ajbmeb-2910	78	10	an	an	DET
ajbmeb-2910	78	11	econometric	econometric	ADJ
ajbmeb-2910	78	12	analysis	analysis	NOUN
ajbmeb-2910	78	13	to	to	PART
ajbmeb-2910	78	14	assess	assess	VERB
ajbmeb-2910	78	15	the	the	DET
ajbmeb-2910	78	16	degree	degree	NOUN
ajbmeb-2910	78	17	of	of	ADP
ajbmeb-2910	78	18	influence	influence	NOUN
ajbmeb-2910	78	19	of	of	ADP
ajbmeb-2910	78	20	factors	factor	NOUN
ajbmeb-2910	78	21	affecting	affect	VERB
ajbmeb-2910	78	22	the	the	DET
ajbmeb-2910	78	23	size	size	NOUN
ajbmeb-2910	78	24	of	of	ADP
ajbmeb-2910	78	25	the	the	DET
ajbmeb-2910	78	26	recursive	recursive	ADJ
ajbmeb-2910	78	27	base	base	NOUN
ajbmeb-2910	78	28	of	of	ADP
ajbmeb-2910	78	29	private	private	ADJ
ajbmeb-2910	78	30	banks	bank	NOUN
ajbmeb-2910	78	31	.	.	PUNCT
ajbmeb-2910	79	1	in	in	ADP
ajbmeb-2910	79	2	the	the	DET
ajbmeb-2910	79	3	first	first	ADJ
ajbmeb-2910	79	4	step	step	NOUN
ajbmeb-2910	79	5	,	,	PUNCT
ajbmeb-2910	79	6	the	the	DET
ajbmeb-2910	79	7	diversity	diversity	NOUN
ajbmeb-2910	79	8	of	of	ADP
ajbmeb-2910	79	9	the	the	DET
ajbmeb-2910	79	10	data	datum	NOUN
ajbmeb-2910	79	11	was	be	AUX
ajbmeb-2910	79	12	examined	examine	VERB
ajbmeb-2910	79	13	and	and	CCONJ
ajbmeb-2910	79	14	the	the	DET
ajbmeb-2910	79	15	raw	raw	ADJ
ajbmeb-2910	79	16	data	datum	NOUN
ajbmeb-2910	79	17	were	be	AUX
ajbmeb-2910	79	18	analyzed	analyze	VERB
ajbmeb-2910	79	19	using	use	VERB
ajbmeb-2910	79	20	descriptive	descriptive	ADJ
ajbmeb-2910	79	21	statistics	statistic	NOUN
ajbmeb-2910	79	22	.	.	PUNCT
ajbmeb-2910	80	1	68.3	68.3	NUM
ajbmeb-2910	80	2	11.5	11.5	NUM
ajbmeb-2910	80	3	7.1	7.1	NUM
ajbmeb-2910	80	4	4.5	4.5	NUM
ajbmeb-2910	80	5	4.1	4.1	NUM
ajbmeb-2910	80	6	1.7	1.7	NUM
ajbmeb-2910	80	7	1.4	1.4	NUM
ajbmeb-2910	80	8	0.7	0.7	NUM
ajbmeb-2910	80	9	0.3	0.3	NUM
ajbmeb-2910	80	10	0.3	0.3	NUM
ajbmeb-2910	80	11	customer	customer	NOUN
ajbmeb-2910	80	12	accounts	account	NOUN
ajbmeb-2910	80	13	share	share	NOUN
ajbmeb-2910	80	14	capital	capital	NOUN
ajbmeb-2910	80	15	due	due	ADP
ajbmeb-2910	80	16	to	to	ADP
ajbmeb-2910	80	17	other	other	ADJ
ajbmeb-2910	80	18	banks	bank	NOUN
ajbmeb-2910	80	19	interbank	interbank	NOUN
ajbmeb-2910	80	20	loan	loan	NOUN
ajbmeb-2910	80	21	retains	retain	VERB
ajbmeb-2910	80	22	earnings	earning	NOUN
ajbmeb-2910	80	23	reserve	reserve	NOUN
ajbmeb-2910	80	24	capital	capital	NOUN
ajbmeb-2910	80	25	other	other	ADJ
ajbmeb-2910	80	26	liabilities	liability	NOUN
ajbmeb-2910	80	27	added	add	VERB
ajbmeb-2910	80	28	capital	capital	NOUN
ajbmeb-2910	80	29	subordinated	subordinate	VERB
ajbmeb-2910	80	30	debt	debt	NOUN
ajbmeb-2910	80	31	other	other	ADJ
ajbmeb-2910	80	32	borrowed	borrow	VERB
ajbmeb-2910	80	33	funds	fund	NOUN
ajbmeb-2910	80	34	american	american	PROPN
ajbmeb-2910	80	35	journal	journal	PROPN
ajbmeb-2910	80	36	of	of	ADP
ajbmeb-2910	80	37	business	business	NOUN
ajbmeb-2910	80	38	management	management	NOUN
ajbmeb-2910	80	39	,	,	PUNCT
ajbmeb-2910	80	40	economics	economic	NOUN
ajbmeb-2910	80	41	and	and	CCONJ
ajbmeb-2910	80	42	banking	banking	NOUN
ajbmeb-2910	80	43	volume	volume	NOUN
ajbmeb-2910	80	44	36	36	NUM
ajbmeb-2910	80	45	may2025	may2025	NOUN
ajbmeb-2910	80	46	p	p	NOUN
ajbmeb-2910	80	47	a	a	DET
ajbmeb-2910	80	48	g	g	NOUN
ajbmeb-2910	80	49	e	e	NOUN
ajbmeb-2910	80	50	|	|	ADV
ajbmeb-2910	80	51	5	5	NUM
ajbmeb-2910	80	52	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	80	53	table	table	NOUN
ajbmeb-2910	80	54	1	1	NUM
ajbmeb-2910	80	55	.	.	PUNCT
ajbmeb-2910	80	56	result	result	NOUN
ajbmeb-2910	80	57	of	of	ADP
ajbmeb-2910	80	58	descriptive	descriptive	ADJ
ajbmeb-2910	80	59	statistics1	statistics1	NOUN
ajbmeb-2910	80	60	pbrb	pbrb	VERB
ajbmeb-2910	80	61	pbasset	pbasset	NOUN
ajbmeb-2910	80	62	branch	branch	NOUN
ajbmeb-2910	80	63	long	long	ADJ
ajbmeb-2910	80	64	-	-	PUNCT
ajbmeb-2910	80	65	term	term	NOUN
ajbmeb-2910	80	66	credit	credit	NOUN
ajbmeb-2910	80	67	interest	interest	NOUN
ajbmeb-2910	80	68	rate	rate	NOUN
ajbmeb-2910	80	69	roa	roa	PROPN
ajbmeb-2910	80	70	roe	roe	PROPN
ajbmeb-2910	80	71	median	median	PROPN
ajbmeb-2910	80	72	4162.49	4162.49	NUM
ajbmeb-2910	80	73	3954.68	3954.68	NUM
ajbmeb-2910	80	74	24.7	24.7	NUM
ajbmeb-2910	80	75	14.59	14.59	NUM
ajbmeb-2910	80	76	3.95	3.95	NUM
ajbmeb-2910	80	77	24.19	24.19	NUM
ajbmeb-2910	80	78	maximum	maximum	NOUN
ajbmeb-2910	80	79	11031.3	11031.3	NUM
ajbmeb-2910	80	80	11639.9	11639.9	NUM
ajbmeb-2910	80	81	29	29	NUM
ajbmeb-2910	80	82	25.1	25.1	NUM
ajbmeb-2910	80	83	4.95	4.95	NUM
ajbmeb-2910	80	84	37.26	37.26	NUM
ajbmeb-2910	80	85	minimum	minimum	NOUN
ajbmeb-2910	80	86	638.9	638.9	NUM
ajbmeb-2910	80	87	484.2	484.2	NUM
ajbmeb-2910	80	88	15	15	NUM
ajbmeb-2910	80	89	10.5	10.5	NUM
ajbmeb-2910	80	90	2.84	2.84	NUM
ajbmeb-2910	80	91	14.89	14.89	NUM
ajbmeb-2910	80	92	std	std	NOUN
ajbmeb-2910	80	93	.	.	PUNCT
ajbmeb-2910	81	1	deviation	deviation	NOUN
ajbmeb-2910	81	2	3706.19	3706.19	NUM
ajbmeb-2910	81	3	3876.67	3876.67	NUM
ajbmeb-2910	81	4	5.18	5.18	NUM
ajbmeb-2910	81	5	5.29	5.29	NUM
ajbmeb-2910	81	6	0.69	0.69	NUM
ajbmeb-2910	81	7	6.21	6.21	NUM
ajbmeb-2910	81	8	the	the	DET
ajbmeb-2910	81	9	results	result	NOUN
ajbmeb-2910	81	10	of	of	ADP
ajbmeb-2910	81	11	descriptive	descriptive	ADJ
ajbmeb-2910	81	12	statistics	statistic	NOUN
ajbmeb-2910	81	13	show	show	VERB
ajbmeb-2910	81	14	that	that	SCONJ
ajbmeb-2910	81	15	the	the	DET
ajbmeb-2910	81	16	data	datum	NOUN
ajbmeb-2910	81	17	for	for	ADP
ajbmeb-2910	81	18	each	each	DET
ajbmeb-2910	81	19	selected	select	VERB
ajbmeb-2910	81	20	variable	variable	NOUN
ajbmeb-2910	81	21	is	be	AUX
ajbmeb-2910	81	22	usually	usually	ADV
ajbmeb-2910	81	23	distributed	distribute	VERB
ajbmeb-2910	81	24	and	and	CCONJ
ajbmeb-2910	81	25	used	use	VERB
ajbmeb-2910	81	26	for	for	ADP
ajbmeb-2910	81	27	econometric	econometric	ADJ
ajbmeb-2910	81	28	modeling	modeling	NOUN
ajbmeb-2910	81	29	.	.	PUNCT
ajbmeb-2910	82	1	then	then	ADV
ajbmeb-2910	82	2	we	we	PRON
ajbmeb-2910	82	3	turn	turn	VERB
ajbmeb-2910	82	4	to	to	ADP
ajbmeb-2910	82	5	correlation	correlation	NOUN
ajbmeb-2910	82	6	analysis	analysis	NOUN
ajbmeb-2910	82	7	.	.	PUNCT
ajbmeb-2910	83	1	in	in	ADP
ajbmeb-2910	83	2	this	this	DET
ajbmeb-2910	83	3	case	case	NOUN
ajbmeb-2910	83	4	,	,	PUNCT
ajbmeb-2910	83	5	we	we	PRON
ajbmeb-2910	83	6	use	use	VERB
ajbmeb-2910	83	7	pearson	pearson	PROPN
ajbmeb-2910	83	8	's	's	PART
ajbmeb-2910	83	9	correlation	correlation	NOUN
ajbmeb-2910	83	10	coefficient	coefficient	NOUN
ajbmeb-2910	83	11	.	.	PUNCT
ajbmeb-2910	84	1	we	we	PRON
ajbmeb-2910	84	2	know	know	VERB
ajbmeb-2910	84	3	that	that	SCONJ
ajbmeb-2910	84	4	pearson	pearson	PROPN
ajbmeb-2910	84	5	's	's	PART
ajbmeb-2910	84	6	correlation	correlation	NOUN
ajbmeb-2910	84	7	coefficient	coefficient	NOUN
ajbmeb-2910	84	8	indicates	indicate	VERB
ajbmeb-2910	84	9	the	the	DET
ajbmeb-2910	84	10	degree	degree	NOUN
ajbmeb-2910	84	11	of	of	ADP
ajbmeb-2910	84	12	interdependence	interdependence	NOUN
ajbmeb-2910	84	13	of	of	ADP
ajbmeb-2910	84	14	the	the	DET
ajbmeb-2910	84	15	dependent	dependent	ADJ
ajbmeb-2910	84	16	and	and	CCONJ
ajbmeb-2910	84	17	independent	independent	ADJ
ajbmeb-2910	84	18	variables	variable	NOUN
ajbmeb-2910	84	19	.	.	PUNCT
ajbmeb-2910	85	1	table	table	NOUN
ajbmeb-2910	85	2	2	2	NUM
ajbmeb-2910	85	3	.	.	PUNCT
ajbmeb-2910	85	4	correlation	correlation	NOUN
ajbmeb-2910	85	5	statistics2	statistics2	PROPN
ajbmeb-2910	85	6	pbrb	pbrb	VERB
ajbmeb-2910	85	7	pbasset	pbasset	NOUN
ajbmeb-2910	85	8	branch	branch	NOUN
ajbmeb-2910	85	9	long	long	ADJ
ajbmeb-2910	85	10	-	-	PUNCT
ajbmeb-2910	85	11	term	term	NOUN
ajbmeb-2910	85	12	credit	credit	NOUN
ajbmeb-2910	85	13	interest	interest	NOUN
ajbmeb-2910	85	14	rate	rate	NOUN
ajbmeb-2910	85	15	roa	roa	PROPN
ajbmeb-2910	85	16	roe	roe	PROPN
ajbmeb-2910	85	17	pbrb	pbrb	VERB
ajbmeb-2910	85	18	1,000	1,000	NUM
ajbmeb-2910	85	19	pbasset	pbasset	NOUN
ajbmeb-2910	85	20	0,998	0,998	NUM
ajbmeb-2910	85	21	*	*	PUNCT
ajbmeb-2910	85	22	*	*	PUNCT
ajbmeb-2910	85	23	*	*	PROPN
ajbmeb-2910	85	24	1,000	1,000	NUM
ajbmeb-2910	85	25	branch	branch	NOUN
ajbmeb-2910	85	26	0,688	0,688	NUM
ajbmeb-2910	85	27	*	*	PUNCT
ajbmeb-2910	85	28	*	*	PUNCT
ajbmeb-2910	85	29	0,668	0,668	NUM
ajbmeb-2910	85	30	*	*	SYM
ajbmeb-2910	85	31	*	*	SYM
ajbmeb-2910	85	32	1,000	1,000	NUM
ajbmeb-2910	85	33	long	long	ADJ
ajbmeb-2910	85	34	-	-	PUNCT
ajbmeb-2910	85	35	term	term	NOUN
ajbmeb-2910	85	36	credit	credit	NOUN
ajbmeb-2910	85	37	interest	interest	NOUN
ajbmeb-2910	85	38	rate	rate	NOUN
ajbmeb-2910	85	39	0,939	0,939	NOUN
ajbmeb-2910	85	40	*	*	PUNCT
ajbmeb-2910	85	41	*	*	PUNCT
ajbmeb-2910	85	42	*	*	PUNCT
ajbmeb-2910	85	43	0,943	0,943	NUM
ajbmeb-2910	85	44	*	*	PUNCT
ajbmeb-2910	85	45	*	*	PUNCT
ajbmeb-2910	85	46	*	*	PUNCT
ajbmeb-2910	85	47	0,416	0,416	NUM
ajbmeb-2910	85	48	*	*	SYM
ajbmeb-2910	85	49	1,000	1,000	NUM
ajbmeb-2910	85	50	roa	roa	NOUN
ajbmeb-2910	85	51	0,541	0,541	NUM
ajbmeb-2910	85	52	*	*	PUNCT
ajbmeb-2910	85	53	0,555	0,555	NUM
ajbmeb-2910	85	54	*	*	PUNCT
ajbmeb-2910	85	55	*	*	PUNCT
ajbmeb-2910	85	56	0,232	0,232	NUM
ajbmeb-2910	85	57	*	*	NOUN
ajbmeb-2910	85	58	0,596	0,596	NUM
ajbmeb-2910	85	59	*	*	SYM
ajbmeb-2910	85	60	*	*	PROPN
ajbmeb-2910	85	61	1,000	1,000	NUM
ajbmeb-2910	85	62	roe	roe	NOUN
ajbmeb-2910	85	63	0,474	0,474	NUM
ajbmeb-2910	85	64	*	*	SYM
ajbmeb-2910	85	65	0,485	0,485	NUM
ajbmeb-2910	85	66	*	*	SYM
ajbmeb-2910	85	67	0,156	0,156	NUM
ajbmeb-2910	85	68	*	*	PUNCT
ajbmeb-2910	86	1	0,476	0,476	NUM
ajbmeb-2910	86	2	*	*	PUNCT
ajbmeb-2910	86	3	0,818	0,818	NUM
ajbmeb-2910	87	1	*	*	PUNCT
ajbmeb-2910	87	2	*	*	PUNCT
ajbmeb-2910	87	3	*	*	PROPN
ajbmeb-2910	87	4	1,000	1,000	NUM
ajbmeb-2910	87	5	robust	robust	ADJ
ajbmeb-2910	87	6	standard	standard	ADJ
ajbmeb-2910	87	7	errors	error	NOUN
ajbmeb-2910	87	8	in	in	ADP
ajbmeb-2910	87	9	parenthesis	parenthesis	NOUN
ajbmeb-2910	87	10	;	;	PUNCT
ajbmeb-2910	87	11	all	all	DET
ajbmeb-2910	87	12	regressions	regression	NOUN
ajbmeb-2910	87	13	include	include	VERB
ajbmeb-2910	87	14	regional	regional	ADJ
ajbmeb-2910	87	15	fixed	fix	VERB
ajbmeb-2910	87	16	effects	effect	NOUN
ajbmeb-2910	87	17	*	*	PUNCT
ajbmeb-2910	87	18	*	*	PUNCT
ajbmeb-2910	87	19	*	*	PUNCT
ajbmeb-2910	87	20	p	p	X
ajbmeb-2910	87	21	<	<	X
ajbmeb-2910	87	22	0.01	0.01	NUM
ajbmeb-2910	87	23	,	,	PUNCT
ajbmeb-2910	87	24	*	*	PUNCT
ajbmeb-2910	87	25	*	*	PUNCT
ajbmeb-2910	87	26	p	p	X
ajbmeb-2910	87	27	<	<	X
ajbmeb-2910	87	28	0.05	0.05	NUM
ajbmeb-2910	87	29	,	,	PUNCT
ajbmeb-2910	87	30	*	*	PUNCT
ajbmeb-2910	87	31	p	p	X
ajbmeb-2910	87	32	<	<	X
ajbmeb-2910	87	33	0.1	0.1	NUM
ajbmeb-2910	87	34	according	accord	VERB
ajbmeb-2910	87	35	to	to	ADP
ajbmeb-2910	87	36	the	the	DET
ajbmeb-2910	87	37	above	above	ADJ
ajbmeb-2910	87	38	correlation	correlation	NOUN
ajbmeb-2910	87	39	matrix	matrix	NOUN
ajbmeb-2910	87	40	,	,	PUNCT
ajbmeb-2910	87	41	the	the	DET
ajbmeb-2910	87	42	cross	cross	NOUN
ajbmeb-2910	87	43	-	-	NOUN
ajbmeb-2910	87	44	correlation	correlation	NOUN
ajbmeb-2910	87	45	of	of	ADP
ajbmeb-2910	87	46	the	the	DET
ajbmeb-2910	87	47	independent	independent	ADJ
ajbmeb-2910	87	48	variables	variable	NOUN
ajbmeb-2910	87	49	is	be	AUX
ajbmeb-2910	87	50	low	low	ADJ
ajbmeb-2910	87	51	,	,	PUNCT
ajbmeb-2910	87	52	which	which	PRON
ajbmeb-2910	87	53	in	in	ADP
ajbmeb-2910	87	54	turn	turn	NOUN
ajbmeb-2910	87	55	means	mean	VERB
ajbmeb-2910	87	56	that	that	SCONJ
ajbmeb-2910	87	57	the	the	DET
ajbmeb-2910	87	58	multicollinearity	multicollinearity	NOUN
ajbmeb-2910	87	59	problem	problem	NOUN
ajbmeb-2910	87	60	does	do	AUX
ajbmeb-2910	87	61	not	not	PART
ajbmeb-2910	87	62	arise	arise	VERB
ajbmeb-2910	87	63	in	in	ADP
ajbmeb-2910	87	64	our	our	PRON
ajbmeb-2910	87	65	regression	regression	NOUN
ajbmeb-2910	87	66	analysis	analysis	NOUN
ajbmeb-2910	87	67	.	.	PUNCT
ajbmeb-2910	88	1	that	that	PRON
ajbmeb-2910	88	2	is	is	ADV
ajbmeb-2910	88	3	,	,	PUNCT
ajbmeb-2910	88	4	the	the	DET
ajbmeb-2910	88	5	size	size	NOUN
ajbmeb-2910	88	6	of	of	ADP
ajbmeb-2910	88	7	the	the	DET
ajbmeb-2910	88	8	resource	resource	NOUN
ajbmeb-2910	88	9	base	base	NOUN
ajbmeb-2910	88	10	of	of	ADP
ajbmeb-2910	88	11	private	private	ADJ
ajbmeb-2910	88	12	banks	bank	NOUN
ajbmeb-2910	88	13	has	have	VERB
ajbmeb-2910	88	14	a	a	DET
ajbmeb-2910	88	15	positive	positive	ADJ
ajbmeb-2910	88	16	correlation	correlation	NOUN
ajbmeb-2910	88	17	with	with	ADP
ajbmeb-2910	88	18	the	the	DET
ajbmeb-2910	88	19	volume	volume	NOUN
ajbmeb-2910	88	20	of	of	ADP
ajbmeb-2910	88	21	assets	asset	NOUN
ajbmeb-2910	88	22	of	of	ADP
ajbmeb-2910	88	23	private	private	ADJ
ajbmeb-2910	88	24	banks	bank	NOUN
ajbmeb-2910	88	25	in	in	ADP
ajbmeb-2910	88	26	the	the	DET
ajbmeb-2910	88	27	country	country	NOUN
ajbmeb-2910	88	28	(	(	PUNCT
ajbmeb-2910	88	29	bank	bank	NOUN
ajbmeb-2910	88	30	size	size	NOUN
ajbmeb-2910	88	31	)	)	PUNCT
ajbmeb-2910	88	32	,	,	PUNCT
ajbmeb-2910	88	33	the	the	DET
ajbmeb-2910	88	34	number	number	NOUN
ajbmeb-2910	88	35	of	of	ADP
ajbmeb-2910	88	36	branches	branch	NOUN
ajbmeb-2910	88	37	,	,	PUNCT
ajbmeb-2910	88	38	interest	interest	NOUN
ajbmeb-2910	88	39	rates	rate	NOUN
ajbmeb-2910	88	40	on	on	ADP
ajbmeb-2910	88	41	long	long	ADJ
ajbmeb-2910	88	42	-	-	PUNCT
ajbmeb-2910	88	43	term	term	NOUN
ajbmeb-2910	88	44	loans	loan	NOUN
ajbmeb-2910	88	45	,	,	PUNCT
ajbmeb-2910	88	46	bank	bank	NOUN
ajbmeb-2910	88	47	capital	capital	NOUN
ajbmeb-2910	88	48	,	,	PUNCT
ajbmeb-2910	88	49	and	and	CCONJ
ajbmeb-2910	88	50	return	return	VERB
ajbmeb-2910	88	51	on	on	ADP
ajbmeb-2910	88	52	assets	asset	NOUN
ajbmeb-2910	88	53	.	.	PUNCT
ajbmeb-2910	89	1	this	this	PRON
ajbmeb-2910	89	2	means	mean	VERB
ajbmeb-2910	89	3	that	that	SCONJ
ajbmeb-2910	89	4	as	as	ADP
ajbmeb-2910	89	5	the	the	DET
ajbmeb-2910	89	6	volume	volume	NOUN
ajbmeb-2910	89	7	of	of	ADP
ajbmeb-2910	89	8	assets	asset	NOUN
ajbmeb-2910	89	9	of	of	ADP
ajbmeb-2910	89	10	private	private	ADJ
ajbmeb-2910	89	11	banks	bank	NOUN
ajbmeb-2910	89	12	in	in	ADP
ajbmeb-2910	89	13	the	the	DET
ajbmeb-2910	89	14	country	country	NOUN
ajbmeb-2910	89	15	(	(	PUNCT
ajbmeb-2910	89	16	bank	bank	NOUN
ajbmeb-2910	89	17	size	size	NOUN
ajbmeb-2910	89	18	)	)	PUNCT
ajbmeb-2910	89	19	,	,	PUNCT
ajbmeb-2910	89	20	the	the	DET
ajbmeb-2910	89	21	number	number	NOUN
ajbmeb-2910	89	22	of	of	ADP
ajbmeb-2910	89	23	branches	branch	NOUN
ajbmeb-2910	89	24	,	,	PUNCT
ajbmeb-2910	89	25	interest	interest	NOUN
ajbmeb-2910	89	26	rates	rate	NOUN
ajbmeb-2910	89	27	on	on	ADP
ajbmeb-2910	89	28	long	long	ADJ
ajbmeb-2910	89	29	-	-	PUNCT
ajbmeb-2910	89	30	term	term	NOUN
ajbmeb-2910	89	31	loans	loan	NOUN
ajbmeb-2910	89	32	,	,	PUNCT
ajbmeb-2910	89	33	the	the	DET
ajbmeb-2910	89	34	level	level	NOUN
ajbmeb-2910	89	35	of	of	ADP
ajbmeb-2910	89	36	return	return	NOUN
ajbmeb-2910	89	37	on	on	ADP
ajbmeb-2910	89	38	bank	bank	NOUN
ajbmeb-2910	89	39	capital	capital	NOUN
ajbmeb-2910	89	40	and	and	CCONJ
ajbmeb-2910	89	41	assets	asset	NOUN
ajbmeb-2910	89	42	increase	increase	NOUN
ajbmeb-2910	89	43	,	,	PUNCT
ajbmeb-2910	89	44	their	their	PRON
ajbmeb-2910	89	45	recursive	recursive	ADJ
ajbmeb-2910	89	46	base	base	NOUN
ajbmeb-2910	89	47	increases	increase	NOUN
ajbmeb-2910	89	48	.	.	PUNCT
ajbmeb-2910	90	1	the	the	DET
ajbmeb-2910	90	2	next	next	ADJ
ajbmeb-2910	90	3	step	step	NOUN
ajbmeb-2910	90	4	is	be	AUX
ajbmeb-2910	90	5	the	the	DET
ajbmeb-2910	90	6	most	most	ADV
ajbmeb-2910	90	7	important	important	ADJ
ajbmeb-2910	90	8	step	step	NOUN
ajbmeb-2910	90	9	in	in	ADP
ajbmeb-2910	90	10	econometric	econometric	ADJ
ajbmeb-2910	90	11	analysis	analysis	NOUN
ajbmeb-2910	90	12	.	.	PUNCT
ajbmeb-2910	91	1	this	this	PRON
ajbmeb-2910	91	2	is	be	AUX
ajbmeb-2910	91	3	regression	regression	NOUN
ajbmeb-2910	91	4	analysis	analysis	NOUN
ajbmeb-2910	91	5	.	.	PUNCT
ajbmeb-2910	92	1	in	in	ADP
ajbmeb-2910	92	2	doing	do	VERB
ajbmeb-2910	92	3	so	so	ADV
ajbmeb-2910	92	4	,	,	PUNCT
ajbmeb-2910	92	5	we	we	PRON
ajbmeb-2910	92	6	run	run	VERB
ajbmeb-2910	92	7	a	a	DET
ajbmeb-2910	92	8	separate	separate	ADJ
ajbmeb-2910	92	9	regression	regression	NOUN
ajbmeb-2910	92	10	analysis	analysis	NOUN
ajbmeb-2910	92	11	for	for	ADP
ajbmeb-2910	92	12	each	each	DET
ajbmeb-2910	92	13	associated	associated	ADJ
ajbmeb-2910	92	14	variable	variable	NOUN
ajbmeb-2910	92	15	.	.	PUNCT
ajbmeb-2910	93	1	1calculated	1calculate	VERB
ajbmeb-2910	93	2	by	by	ADP
ajbmeb-2910	93	3	the	the	DET
ajbmeb-2910	93	4	author	author	NOUN
ajbmeb-2910	93	5	based	base	VERB
ajbmeb-2910	93	6	on	on	ADP
ajbmeb-2910	93	7	the	the	DET
ajbmeb-2910	93	8	stata	stata	NOUN
ajbmeb-2910	93	9	program	program	NOUN
ajbmeb-2910	93	10	2	2	NUM
ajbmeb-2910	93	11	calculated	calculate	VERB
ajbmeb-2910	93	12	by	by	ADP
ajbmeb-2910	93	13	the	the	DET
ajbmeb-2910	93	14	author	author	NOUN
ajbmeb-2910	93	15	based	base	VERB
ajbmeb-2910	93	16	on	on	ADP
ajbmeb-2910	93	17	the	the	DET
ajbmeb-2910	93	18	stata	stata	PROPN
ajbmeb-2910	93	19	program	program	PROPN
ajbmeb-2910	93	20	american	american	PROPN
ajbmeb-2910	93	21	journal	journal	PROPN
ajbmeb-2910	93	22	of	of	ADP
ajbmeb-2910	93	23	business	business	NOUN
ajbmeb-2910	93	24	management	management	NOUN
ajbmeb-2910	93	25	,	,	PUNCT
ajbmeb-2910	93	26	economics	economic	NOUN
ajbmeb-2910	93	27	and	and	CCONJ
ajbmeb-2910	93	28	banking	banking	NOUN
ajbmeb-2910	93	29	volume	volume	NOUN
ajbmeb-2910	93	30	36	36	NUM
ajbmeb-2910	93	31	may2025	may2025	NOUN
ajbmeb-2910	93	32	p	p	NOUN
ajbmeb-2910	93	33	a	a	DET
ajbmeb-2910	93	34	g	g	NOUN
ajbmeb-2910	93	35	e	e	NOUN
ajbmeb-2910	93	36	|	|	ADV
ajbmeb-2910	93	37	6	6	NUM
ajbmeb-2910	93	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	93	39	table	table	NOUN
ajbmeb-2910	93	40	3	3	NUM
ajbmeb-2910	93	41	.	.	PUNCT
ajbmeb-2910	94	1	regression	regression	NOUN
ajbmeb-2910	94	2	analysis	analysis	NOUN
ajbmeb-2910	94	3	(	(	PUNCT
ajbmeb-2910	94	4	pbrb)3	pbrb)3	X
ajbmeb-2910	94	5	independent	independent	ADJ
ajbmeb-2910	94	6	variables	variable	NOUN
ajbmeb-2910	94	7	dependent	dependent	ADJ
ajbmeb-2910	94	8	variable	variable	NOUN
ajbmeb-2910	94	9	:	:	PUNCT
ajbmeb-2910	94	10	resource	resource	NOUN
ajbmeb-2910	94	11	base	base	NOUN
ajbmeb-2910	94	12	of	of	ADP
ajbmeb-2910	94	13	private	private	ADJ
ajbmeb-2910	94	14	banks	bank	NOUN
ajbmeb-2910	94	15	(	(	PUNCT
ajbmeb-2910	94	16	pbrb	pbrb	PROPN
ajbmeb-2910	94	17	)	)	PUNCT
ajbmeb-2910	94	18	coef	coef	PROPN
ajbmeb-2910	94	19	.	.	PUNCT
ajbmeb-2910	95	1	std	std	NOUN
ajbmeb-2910	95	2	.	.	PUNCT
ajbmeb-2910	96	1	err	err	PROPN
ajbmeb-2910	96	2	.	.	PUNCT
ajbmeb-2910	97	1	t	t	PROPN
ajbmeb-2910	97	2	p	p	NOUN
ajbmeb-2910	97	3	value	value	NOUN
ajbmeb-2910	97	4	(	(	PUNCT
ajbmeb-2910	97	5	p>|t|	p>|t|	PROPN
ajbmeb-2910	97	6	)	)	PUNCT
ajbmeb-2910	97	7	xbasset	xbasset	PROPN
ajbmeb-2910	97	8	.42	.42	NUM
ajbmeb-2910	98	1	.16	.16	NUM
ajbmeb-2910	98	2	2.69	2.69	NUM
ajbmeb-2910	98	3	0.055	0.055	NUM
ajbmeb-2910	98	4	branch	branch	NOUN
ajbmeb-2910	98	5	154.50	154.50	NUM
ajbmeb-2910	98	6	41.54	41.54	NUM
ajbmeb-2910	98	7	3.72	3.72	NUM
ajbmeb-2910	98	8	0.020	0.020	NUM
ajbmeb-2910	98	9	long	long	ADJ
ajbmeb-2910	98	10	-	-	PUNCT
ajbmeb-2910	98	11	term	term	NOUN
ajbmeb-2910	98	12	credit	credit	NOUN
ajbmeb-2910	98	13	interest	interest	NOUN
ajbmeb-2910	98	14	rate	rate	NOUN
ajbmeb-2910	98	15	313.76	313.76	NUM
ajbmeb-2910	98	16	93.52	93.52	NUM
ajbmeb-2910	98	17	3.36	3.36	NUM
ajbmeb-2910	98	18	0.028	0.028	NUM
ajbmeb-2910	98	19	roa	roa	NOUN
ajbmeb-2910	98	20	-495.75	-495.75	PROPN
ajbmeb-2910	98	21	204.00	204.00	NUM
ajbmeb-2910	98	22	-2.43	-2.43	NUM
ajbmeb-2910	98	23	0.072	0.072	NUM
ajbmeb-2910	98	24	roe	roe	NOUN
ajbmeb-2910	98	25	53.18	53.18	NUM
ajbmeb-2910	98	26	22.86	22.86	NUM
ajbmeb-2910	98	27	2.33	2.33	NUM
ajbmeb-2910	98	28	0.081	0.081	NUM
ajbmeb-2910	98	29	cons	con	NOUN
ajbmeb-2910	98	30	-5219.20	-5219.20	PUNCT
ajbmeb-2910	98	31	1673.67	1673.67	NUM
ajbmeb-2910	98	32	-3.12	-3.12	NUM
ajbmeb-2910	98	33	0.036	0.036	NUM
ajbmeb-2910	98	34	prob	prob	NOUN
ajbmeb-2910	98	35	>	>	X
ajbmeb-2910	98	36	f	f	PROPN
ajbmeb-2910	99	1	0.0000	0.0000	NUM
ajbmeb-2910	99	2	r	r	X
ajbmeb-2910	99	3	-	-	PUNCT
ajbmeb-2910	99	4	squared	square	VERB
ajbmeb-2910	99	5	0.9989	0.9989	NUM
ajbmeb-2910	99	6	adj	adj	NOUN
ajbmeb-2910	99	7	r	r	NOUN
ajbmeb-2910	99	8	-	-	PUNCT
ajbmeb-2910	99	9	squared	square	VERB
ajbmeb-2910	99	10	0.9976	0.9976	NUM
ajbmeb-2910	99	11	based	base	VERB
ajbmeb-2910	99	12	on	on	ADP
ajbmeb-2910	99	13	the	the	DET
ajbmeb-2910	99	14	above	above	ADJ
ajbmeb-2910	99	15	calculations	calculation	NOUN
ajbmeb-2910	99	16	,	,	PUNCT
ajbmeb-2910	99	17	the	the	DET
ajbmeb-2910	99	18	following	follow	VERB
ajbmeb-2910	99	19	multifactor	multifactor	NOUN
ajbmeb-2910	99	20	regression	regression	NOUN
ajbmeb-2910	99	21	model	model	NOUN
ajbmeb-2910	99	22	was	be	AUX
ajbmeb-2910	99	23	formed	form	VERB
ajbmeb-2910	99	24	.	.	PUNCT
ajbmeb-2910	100	1	𝑿𝑩𝑹𝑩	𝑿𝑩𝑹𝑩	NOUN
ajbmeb-2910	100	2	=	=	SYM
ajbmeb-2910	101	1	−𝟓𝟐𝟏𝟗.	−𝟓𝟐𝟏𝟗.	NOUN
ajbmeb-2910	101	2	𝟐𝟎+	𝟐𝟎+	NUM
ajbmeb-2910	101	3	.	.	PUNCT
ajbmeb-2910	102	1	𝟒𝟐	𝟒𝟐	NUM
ajbmeb-2910	102	2	∗	∗	NOUN
ajbmeb-2910	102	3	𝐗𝐛𝐚𝐬𝐬𝐞𝐭	𝐗𝐛𝐚𝐬𝐬𝐞𝐭	PROPN
ajbmeb-2910	102	4	+	+	CCONJ
ajbmeb-2910	102	5	𝟏𝟓𝟒.	𝟏𝟓𝟒.	PROPN
ajbmeb-2910	102	6	𝟓𝟎	𝟓𝟎	NUM
ajbmeb-2910	102	7	∗	∗	NOUN
ajbmeb-2910	102	8	𝒃𝒓𝒂𝒏𝒄𝒉	𝒃𝒓𝒂𝒏𝒄𝒉	VERB
ajbmeb-2910	102	9	+	+	CCONJ
ajbmeb-2910	102	10	𝟑𝟏𝟑.	𝟑𝟏𝟑.	ADJ
ajbmeb-2910	102	11	𝟕𝟔	𝟕𝟔	NUM
ajbmeb-2910	102	12	∗	∗	NOUN
ajbmeb-2910	102	13	𝑳𝒐𝒏𝒈	𝑳𝒐𝒏𝒈	PROPN
ajbmeb-2910	102	14	𝒕𝒆𝒓𝒎	𝒕𝒆𝒓𝒎	VERB
ajbmeb-2910	102	15	𝒄𝒓𝒆𝒅𝒊𝒕	𝒄𝒓𝒆𝒅𝒊𝒕	ADJ
ajbmeb-2910	102	16	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕	𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕	NOUN
ajbmeb-2910	102	17	−	−	PROPN
ajbmeb-2910	102	18	−𝟒𝟗𝟓.	−𝟒𝟗𝟓.	PUNCT
ajbmeb-2910	102	19	𝟕𝟓	𝟕𝟓	NUM
ajbmeb-2910	102	20	∗	∗	NOUN
ajbmeb-2910	102	21	𝑹𝑶𝑨	𝑹𝑶𝑨	NOUN
ajbmeb-2910	102	22	+	+	CCONJ
ajbmeb-2910	102	23	𝟓𝟑.	𝟓𝟑.	PROPN
ajbmeb-2910	102	24	𝟏𝟖	𝟏𝟖	NUM
ajbmeb-2910	102	25	∗	∗	NOUN
ajbmeb-2910	102	26	𝑹𝑶𝑬	𝑹𝑶𝑬	PROPN
ajbmeb-2910	102	27	(	(	PUNCT
ajbmeb-2910	102	28	3	3	X
ajbmeb-2910	102	29	)	)	PUNCT
ajbmeb-2910	102	30	the	the	DET
ajbmeb-2910	102	31	corrected	correct	VERB
ajbmeb-2910	102	32	coefficient	coefficient	NOUN
ajbmeb-2910	102	33	of	of	ADP
ajbmeb-2910	102	34	correction	correction	NOUN
ajbmeb-2910	102	35	in	in	ADP
ajbmeb-2910	102	36	the	the	DET
ajbmeb-2910	102	37	formed	form	VERB
ajbmeb-2910	102	38	model	model	NOUN
ajbmeb-2910	102	39	shows	show	VERB
ajbmeb-2910	102	40	that	that	SCONJ
ajbmeb-2910	102	41	the	the	DET
ajbmeb-2910	102	42	coefficient	coefficient	NOUN
ajbmeb-2910	102	43	of	of	ADP
ajbmeb-2910	102	44	influence	influence	NOUN
ajbmeb-2910	102	45	of	of	ADP
ajbmeb-2910	102	46	the	the	DET
ajbmeb-2910	102	47	volume	volume	NOUN
ajbmeb-2910	102	48	of	of	ADP
ajbmeb-2910	102	49	bank	bank	NOUN
ajbmeb-2910	102	50	assets	asset	NOUN
ajbmeb-2910	102	51	(	(	PUNCT
ajbmeb-2910	102	52	xbasset	xbasset	PROPN
ajbmeb-2910	102	53	)	)	PUNCT
ajbmeb-2910	102	54	on	on	ADP
ajbmeb-2910	102	55	the	the	DET
ajbmeb-2910	102	56	number	number	NOUN
ajbmeb-2910	102	57	of	of	ADP
ajbmeb-2910	102	58	branches	branch	NOUN
ajbmeb-2910	102	59	(	(	PUNCT
ajbmeb-2910	102	60	branches	branch	NOUN
ajbmeb-2910	102	61	)	)	PUNCT
ajbmeb-2910	102	62	and	and	CCONJ
ajbmeb-2910	102	63	the	the	DET
ajbmeb-2910	102	64	long	long	ADJ
ajbmeb-2910	102	65	-	-	PUNCT
ajbmeb-2910	102	66	term	term	NOUN
ajbmeb-2910	102	67	loan	loan	NOUN
ajbmeb-2910	102	68	interest	interest	NOUN
ajbmeb-2910	102	69	rate	rate	NOUN
ajbmeb-2910	102	70	(	(	PUNCT
ajbmeb-2910	102	71	long	long	ADJ
ajbmeb-2910	102	72	credit	credit	NOUN
ajbmeb-2910	102	73	interest	interest	NOUN
ajbmeb-2910	102	74	rate	rate	NOUN
ajbmeb-2910	102	75	)	)	PUNCT
ajbmeb-2910	102	76	,	,	PUNCT
ajbmeb-2910	102	77	which	which	PRON
ajbmeb-2910	102	78	is	be	AUX
ajbmeb-2910	102	79	a	a	DET
ajbmeb-2910	102	80	factor	factor	NOUN
ajbmeb-2910	102	81	influencing	influence	VERB
ajbmeb-2910	102	82	the	the	DET
ajbmeb-2910	102	83	volume	volume	NOUN
ajbmeb-2910	102	84	of	of	ADP
ajbmeb-2910	102	85	private	private	ADJ
ajbmeb-2910	102	86	banks	bank	NOUN
ajbmeb-2910	102	87	'	'	PART
ajbmeb-2910	102	88	recursive	recursive	ADJ
ajbmeb-2910	102	89	base	base	NOUN
ajbmeb-2910	102	90	(	(	PUNCT
ajbmeb-2910	102	91	xabr	xabr	NOUN
ajbmeb-2910	102	92	)	)	PUNCT
ajbmeb-2910	102	93	,	,	PUNCT
ajbmeb-2910	102	94	is	be	AUX
ajbmeb-2910	102	95	5	5	NUM
ajbmeb-2910	102	96	%	%	NOUN
ajbmeb-2910	102	97	.	.	PUNCT
ajbmeb-2910	103	1	determined	determine	VERB
ajbmeb-2910	103	2	at	at	ADP
ajbmeb-2910	103	3	the	the	DET
ajbmeb-2910	103	4	level	level	NOUN
ajbmeb-2910	103	5	of	of	ADP
ajbmeb-2910	103	6	.	.	PUNCT
ajbmeb-2910	104	1	the	the	DET
ajbmeb-2910	104	2	ratio	ratio	NOUN
ajbmeb-2910	104	3	of	of	ADP
ajbmeb-2910	104	4	the	the	DET
ajbmeb-2910	104	5	level	level	NOUN
ajbmeb-2910	104	6	of	of	ADP
ajbmeb-2910	104	7	return	return	NOUN
ajbmeb-2910	104	8	on	on	ADP
ajbmeb-2910	104	9	capital	capital	NOUN
ajbmeb-2910	104	10	(	(	PUNCT
ajbmeb-2910	104	11	roa	roa	PROPN
ajbmeb-2910	104	12	)	)	PUNCT
ajbmeb-2910	104	13	and	and	CCONJ
ajbmeb-2910	104	14	return	return	VERB
ajbmeb-2910	104	15	on	on	ADP
ajbmeb-2910	104	16	assets	asset	NOUN
ajbmeb-2910	104	17	(	(	PUNCT
ajbmeb-2910	104	18	roe	roe	NOUN
ajbmeb-2910	104	19	)	)	PUNCT
ajbmeb-2910	104	20	of	of	ADP
ajbmeb-2910	104	21	the	the	DET
ajbmeb-2910	104	22	remaining	remain	VERB
ajbmeb-2910	104	23	2	2	NUM
ajbmeb-2910	104	24	independent	independent	ADJ
ajbmeb-2910	104	25	variable	variable	ADJ
ajbmeb-2910	104	26	banks	bank	NOUN
ajbmeb-2910	104	27	was	be	AUX
ajbmeb-2910	104	28	determined	determine	VERB
ajbmeb-2910	104	29	at	at	ADP
ajbmeb-2910	104	30	the	the	DET
ajbmeb-2910	104	31	significance	significance	NOUN
ajbmeb-2910	104	32	level	level	NOUN
ajbmeb-2910	104	33	of	of	ADP
ajbmeb-2910	104	34	7	7	NUM
ajbmeb-2910	104	35	-	-	SYM
ajbmeb-2910	104	36	8	8	NUM
ajbmeb-2910	104	37	%	%	NOUN
ajbmeb-2910	104	38	.	.	PUNCT
ajbmeb-2910	105	1	the	the	DET
ajbmeb-2910	105	2	probability	probability	NOUN
ajbmeb-2910	105	3	of	of	ADP
ajbmeb-2910	105	4	the	the	DET
ajbmeb-2910	105	5	p	p	NOUN
ajbmeb-2910	105	6	-	-	PUNCT
ajbmeb-2910	105	7	value	value	NOUN
ajbmeb-2910	105	8	of	of	ADP
ajbmeb-2910	105	9	fisher	fisher	NOUN
ajbmeb-2910	105	10	's	's	PART
ajbmeb-2910	105	11	f	f	NOUN
ajbmeb-2910	105	12	-	-	PUNCT
ajbmeb-2910	105	13	statistic	statistic	NOUN
ajbmeb-2910	105	14	of	of	ADP
ajbmeb-2910	105	15	the	the	DET
ajbmeb-2910	105	16	constructed	construct	VERB
ajbmeb-2910	105	17	regression	regression	NOUN
ajbmeb-2910	105	18	model	model	NOUN
ajbmeb-2910	105	19	is	be	AUX
ajbmeb-2910	105	20	less	less	ADJ
ajbmeb-2910	105	21	than	than	ADP
ajbmeb-2910	105	22	0.05	0.05	NUM
ajbmeb-2910	105	23	,	,	PUNCT
ajbmeb-2910	105	24	and	and	CCONJ
ajbmeb-2910	105	25	the	the	DET
ajbmeb-2910	105	26	bank	bank	NOUN
ajbmeb-2910	105	27	's	's	PART
ajbmeb-2910	105	28	asset	asset	NOUN
ajbmeb-2910	105	29	size	size	NOUN
ajbmeb-2910	105	30	(	(	PUNCT
ajbmeb-2910	105	31	xbaktiv	xbaktiv	PROPN
ajbmeb-2910	105	32	)	)	PUNCT
ajbmeb-2910	105	33	is	be	AUX
ajbmeb-2910	105	34	the	the	DET
ajbmeb-2910	105	35	number	number	NOUN
ajbmeb-2910	105	36	of	of	ADP
ajbmeb-2910	105	37	branches	branch	NOUN
ajbmeb-2910	105	38	(	(	PUNCT
ajbmeb-2910	105	39	branches	branch	NOUN
ajbmeb-2910	105	40	)	)	PUNCT
ajbmeb-2910	105	41	,	,	PUNCT
ajbmeb-2910	105	42	long	long	ADJ
ajbmeb-2910	105	43	-	-	PUNCT
ajbmeb-2910	105	44	term	term	NOUN
ajbmeb-2910	105	45	loan	loan	NOUN
ajbmeb-2910	105	46	interest	interest	NOUN
ajbmeb-2910	105	47	rate	rate	NOUN
ajbmeb-2910	105	48	(	(	PUNCT
ajbmeb-2910	105	49	long	long	ADJ
ajbmeb-2910	105	50	loan	loan	NOUN
ajbmeb-2910	105	51	interest	interest	NOUN
ajbmeb-2910	105	52	rate	rate	NOUN
ajbmeb-2910	105	53	)	)	PUNCT
ajbmeb-2910	105	54	,	,	PUNCT
ajbmeb-2910	105	55	bank	bank	NOUN
ajbmeb-2910	105	56	capital	capital	NOUN
ajbmeb-2910	105	57	return	return	NOUN
ajbmeb-2910	105	58	(	(	PUNCT
ajbmeb-2910	105	59	roe	roe	NOUN
ajbmeb-2910	105	60	)	)	PUNCT
ajbmeb-2910	105	61	and	and	CCONJ
ajbmeb-2910	105	62	asset	asset	NOUN
ajbmeb-2910	105	63	return	return	NOUN
ajbmeb-2910	105	64	.	.	PUNCT
ajbmeb-2910	106	1	(	(	PUNCT
ajbmeb-2910	106	2	roa	roa	NOUN
ajbmeb-2910	106	3	)	)	PUNCT
ajbmeb-2910	106	4	shows	show	VERB
ajbmeb-2910	106	5	the	the	DET
ajbmeb-2910	106	6	effect	effect	NOUN
ajbmeb-2910	106	7	of	of	ADP
ajbmeb-2910	106	8	independent	independent	ADJ
ajbmeb-2910	106	9	variables	variable	NOUN
ajbmeb-2910	106	10	on	on	ADP
ajbmeb-2910	106	11	the	the	DET
ajbmeb-2910	106	12	size	size	NOUN
ajbmeb-2910	106	13	of	of	ADP
ajbmeb-2910	106	14	the	the	DET
ajbmeb-2910	106	15	private	private	ADJ
ajbmeb-2910	106	16	banks	bank	NOUN
ajbmeb-2910	106	17	’	'	PUNCT
ajbmeb-2910	106	18	recursion	recursion	NOUN
ajbmeb-2910	106	19	database	database	NOUN
ajbmeb-2910	106	20	(	(	PUNCT
ajbmeb-2910	106	21	nbr	nbr	NOUN
ajbmeb-2910	106	22	)	)	PUNCT
ajbmeb-2910	106	23	,	,	PUNCT
ajbmeb-2910	106	24	which	which	PRON
ajbmeb-2910	106	25	is	be	AUX
ajbmeb-2910	106	26	considered	consider	VERB
ajbmeb-2910	106	27	a	a	DET
ajbmeb-2910	106	28	related	related	ADJ
ajbmeb-2910	106	29	variable	variable	NOUN
ajbmeb-2910	106	30	.	.	PUNCT
ajbmeb-2910	107	1	a	a	DET
ajbmeb-2910	107	2	diagnostic	diagnostic	ADJ
ajbmeb-2910	107	3	analysis	analysis	NOUN
ajbmeb-2910	107	4	was	be	AUX
ajbmeb-2910	107	5	performed	perform	VERB
ajbmeb-2910	107	6	to	to	PART
ajbmeb-2910	107	7	determine	determine	VERB
ajbmeb-2910	107	8	the	the	DET
ajbmeb-2910	107	9	prognosis	prognosis	NOUN
ajbmeb-2910	107	10	of	of	ADP
ajbmeb-2910	107	11	the	the	DET
ajbmeb-2910	107	12	constructed	construct	VERB
ajbmeb-2910	107	13	model	model	NOUN
ajbmeb-2910	107	14	and	and	CCONJ
ajbmeb-2910	107	15	it	it	PRON
ajbmeb-2910	107	16	was	be	AUX
ajbmeb-2910	107	17	found	find	VERB
ajbmeb-2910	107	18	that	that	SCONJ
ajbmeb-2910	107	19	the	the	DET
ajbmeb-2910	107	20	variables	variable	NOUN
ajbmeb-2910	107	21	did	do	AUX
ajbmeb-2910	107	22	not	not	PART
ajbmeb-2910	107	23	have	have	VERB
ajbmeb-2910	107	24	autocorrelation	autocorrelation	NOUN
ajbmeb-2910	107	25	and	and	CCONJ
ajbmeb-2910	107	26	heteroskedastic	heteroskedastic	ADJ
ajbmeb-2910	107	27	problems	problem	NOUN
ajbmeb-2910	107	28	.	.	PUNCT
ajbmeb-2910	108	1	conclusion	conclusion	NOUN
ajbmeb-2910	108	2	summing	sum	VERB
ajbmeb-2910	108	3	up	up	ADP
ajbmeb-2910	108	4	our	our	PRON
ajbmeb-2910	108	5	econometrically	econometrically	ADV
ajbmeb-2910	108	6	formed	form	VERB
ajbmeb-2910	108	7	model	model	NOUN
ajbmeb-2910	108	8	,	,	PUNCT
ajbmeb-2910	108	9	it	it	PRON
ajbmeb-2910	108	10	should	should	AUX
ajbmeb-2910	108	11	be	be	AUX
ajbmeb-2910	108	12	noted	note	VERB
ajbmeb-2910	108	13	that	that	SCONJ
ajbmeb-2910	108	14	taking	take	VERB
ajbmeb-2910	108	15	into	into	ADP
ajbmeb-2910	108	16	account	account	NOUN
ajbmeb-2910	108	17	other	other	ADJ
ajbmeb-2910	108	18	factors	factor	NOUN
ajbmeb-2910	108	19	,	,	PUNCT
ajbmeb-2910	108	20	the	the	DET
ajbmeb-2910	108	21	volume	volume	NOUN
ajbmeb-2910	108	22	of	of	ADP
ajbmeb-2910	108	23	bank	bank	NOUN
ajbmeb-2910	108	24	assets	asset	NOUN
ajbmeb-2910	108	25	amounted	amount	VERB
ajbmeb-2910	108	26	to	to	ADP
ajbmeb-2910	108	27	1	1	NUM
ajbmeb-2910	108	28	billion	billion	NUM
ajbmeb-2910	108	29	.	.	PUNCT
ajbmeb-2910	109	1	an	an	DET
ajbmeb-2910	109	2	increase	increase	NOUN
ajbmeb-2910	109	3	in	in	ADP
ajbmeb-2910	109	4	the	the	DET
ajbmeb-2910	109	5	recursive	recursive	ADJ
ajbmeb-2910	109	6	base	base	NOUN
ajbmeb-2910	109	7	of	of	ADP
ajbmeb-2910	109	8	private	private	ADJ
ajbmeb-2910	109	9	banks	bank	NOUN
ajbmeb-2910	109	10	by	by	ADP
ajbmeb-2910	109	11	0.42	0.42	NUM
ajbmeb-2910	109	12	billion	billion	NUM
ajbmeb-2910	109	13	soums	soum	NOUN
ajbmeb-2910	109	14	,	,	PUNCT
ajbmeb-2910	109	15	an	an	DET
ajbmeb-2910	109	16	increase	increase	NOUN
ajbmeb-2910	109	17	in	in	ADP
ajbmeb-2910	109	18	the	the	DET
ajbmeb-2910	109	19	number	number	NOUN
ajbmeb-2910	109	20	of	of	ADP
ajbmeb-2910	109	21	branches	branch	NOUN
ajbmeb-2910	109	22	by	by	ADP
ajbmeb-2910	109	23	1	1	NUM
ajbmeb-2910	109	24	unit	unit	NOUN
ajbmeb-2910	109	25	by	by	ADP
ajbmeb-2910	109	26	154.5	154.5	NUM
ajbmeb-2910	109	27	billion	billion	NUM
ajbmeb-2910	109	28	soums	soum	NOUN
ajbmeb-2910	109	29	,	,	PUNCT
ajbmeb-2910	109	30	an	an	DET
ajbmeb-2910	109	31	increase	increase	NOUN
ajbmeb-2910	109	32	in	in	ADP
ajbmeb-2910	109	33	the	the	DET
ajbmeb-2910	109	34	long	long	ADJ
ajbmeb-2910	109	35	-	-	PUNCT
ajbmeb-2910	109	36	term	term	NOUN
ajbmeb-2910	109	37	interest	interest	NOUN
ajbmeb-2910	109	38	rate	rate	NOUN
ajbmeb-2910	109	39	of	of	ADP
ajbmeb-2910	109	40	banks	bank	NOUN
ajbmeb-2910	109	41	by	by	ADP
ajbmeb-2910	109	42	1	1	NUM
ajbmeb-2910	109	43	%	%	NOUN
ajbmeb-2910	109	44	,	,	PUNCT
ajbmeb-2910	109	45	a	a	DET
ajbmeb-2910	109	46	returnable	returnable	ADJ
ajbmeb-2910	109	47	base	base	NOUN
ajbmeb-2910	109	48	of	of	ADP
ajbmeb-2910	109	49	private	private	ADJ
ajbmeb-2910	109	50	banks	bank	NOUN
ajbmeb-2910	109	51	by	by	ADP
ajbmeb-2910	109	52	313.76	313.76	NUM
ajbmeb-2910	109	53	billion	billion	NUM
ajbmeb-2910	109	54	soums	soum	NOUN
ajbmeb-2910	109	55	and	and	CCONJ
ajbmeb-2910	109	56	an	an	DET
ajbmeb-2910	109	57	increase	increase	NOUN
ajbmeb-2910	109	58	in	in	ADP
ajbmeb-2910	109	59	profitability	profitability	NOUN
ajbmeb-2910	109	60	banking	banking	NOUN
ajbmeb-2910	109	61	capital	capital	NOUN
ajbmeb-2910	109	62	by	by	ADP
ajbmeb-2910	109	63	1	1	NUM
ajbmeb-2910	109	64	%	%	NOUN
ajbmeb-2910	109	65	led	lead	VERB
ajbmeb-2910	109	66	to	to	ADP
ajbmeb-2910	109	67	an	an	DET
ajbmeb-2910	109	68	increase	increase	NOUN
ajbmeb-2910	109	69	in	in	ADP
ajbmeb-2910	109	70	the	the	DET
ajbmeb-2910	109	71	recursive	recursive	ADJ
ajbmeb-2910	109	72	base	base	NOUN
ajbmeb-2910	109	73	of	of	ADP
ajbmeb-2910	109	74	private	private	ADJ
ajbmeb-2910	109	75	banks	bank	NOUN
ajbmeb-2910	109	76	by	by	ADP
ajbmeb-2910	109	77	53.18	53.18	NUM
ajbmeb-2910	109	78	billion	billion	NUM
ajbmeb-2910	109	79	soums	soum	NOUN
ajbmeb-2910	109	80	,	,	PUNCT
ajbmeb-2910	109	81	and	and	CCONJ
ajbmeb-2910	109	82	an	an	DET
ajbmeb-2910	109	83	increase	increase	NOUN
ajbmeb-2910	109	84	in	in	ADP
ajbmeb-2910	109	85	the	the	DET
ajbmeb-2910	109	86	profitability	profitability	NOUN
ajbmeb-2910	109	87	of	of	ADP
ajbmeb-2910	109	88	bank	bank	NOUN
ajbmeb-2910	109	89	assets	asset	NOUN
ajbmeb-2910	109	90	by	by	ADP
ajbmeb-2910	109	91	1	1	NUM
ajbmeb-2910	109	92	%	%	NOUN
ajbmeb-2910	109	93	increased	increase	VERB
ajbmeb-2910	109	94	the	the	DET
ajbmeb-2910	109	95	recursive	recursive	ADJ
ajbmeb-2910	109	96	base	base	NOUN
ajbmeb-2910	109	97	of	of	ADP
ajbmeb-2910	109	98	private	private	ADJ
ajbmeb-2910	109	99	banks	bank	NOUN
ajbmeb-2910	109	100	.	.	PUNCT
ajbmeb-2910	110	1	for	for	ADP
ajbmeb-2910	110	2	495.75	495.75	NUM
ajbmeb-2910	110	3	billion	billion	NUM
ajbmeb-2910	110	4	soums	soum	NOUN
ajbmeb-2910	110	5	.	.	PUNCT
ajbmeb-2910	111	1	we	we	PRON
ajbmeb-2910	111	2	see	see	VERB
ajbmeb-2910	111	3	that	that	SCONJ
ajbmeb-2910	111	4	this	this	PRON
ajbmeb-2910	111	5	leads	lead	VERB
ajbmeb-2910	111	6	to	to	ADP
ajbmeb-2910	111	7	a	a	DET
ajbmeb-2910	111	8	decrease	decrease	NOUN
ajbmeb-2910	111	9	in	in	ADP
ajbmeb-2910	111	10	the	the	DET
ajbmeb-2910	111	11	amount	amount	NOUN
ajbmeb-2910	111	12	.	.	PUNCT
ajbmeb-2910	112	1	3calculated	3calculated	NUM
ajbmeb-2910	112	2	by	by	ADP
ajbmeb-2910	112	3	the	the	DET
ajbmeb-2910	112	4	author	author	NOUN
ajbmeb-2910	112	5	based	base	VERB
ajbmeb-2910	112	6	on	on	ADP
ajbmeb-2910	112	7	the	the	DET
ajbmeb-2910	112	8	stata	stata	PROPN
ajbmeb-2910	112	9	program	program	PROPN
ajbmeb-2910	112	10	american	american	PROPN
ajbmeb-2910	112	11	journal	journal	PROPN
ajbmeb-2910	112	12	of	of	ADP
ajbmeb-2910	112	13	business	business	NOUN
ajbmeb-2910	112	14	management	management	NOUN
ajbmeb-2910	112	15	,	,	PUNCT
ajbmeb-2910	112	16	economics	economic	NOUN
ajbmeb-2910	112	17	and	and	CCONJ
ajbmeb-2910	112	18	banking	banking	NOUN
ajbmeb-2910	112	19	volume	volume	NOUN
ajbmeb-2910	112	20	36	36	NUM
ajbmeb-2910	112	21	may2025	may2025	NOUN
ajbmeb-2910	112	22	p	p	NOUN
ajbmeb-2910	112	23	a	a	DET
ajbmeb-2910	112	24	g	g	NOUN
ajbmeb-2910	112	25	e	e	NOUN
ajbmeb-2910	112	26	|	|	ADV
ajbmeb-2910	112	27	7	7	NUM
ajbmeb-2910	112	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	112	29	recommendations	recommendation	NOUN
ajbmeb-2910	112	30	in	in	ADP
ajbmeb-2910	112	31	the	the	DET
ajbmeb-2910	112	32	course	course	NOUN
ajbmeb-2910	112	33	of	of	ADP
ajbmeb-2910	112	34	our	our	PRON
ajbmeb-2910	112	35	study	study	NOUN
ajbmeb-2910	112	36	,	,	PUNCT
ajbmeb-2910	112	37	along	along	ADP
ajbmeb-2910	112	38	with	with	ADP
ajbmeb-2910	112	39	identifying	identify	VERB
ajbmeb-2910	112	40	existing	exist	VERB
ajbmeb-2910	112	41	problems	problem	NOUN
ajbmeb-2910	112	42	in	in	ADP
ajbmeb-2910	112	43	the	the	DET
ajbmeb-2910	112	44	process	process	NOUN
ajbmeb-2910	112	45	of	of	ADP
ajbmeb-2910	112	46	forming	form	VERB
ajbmeb-2910	112	47	the	the	DET
ajbmeb-2910	112	48	resource	resource	NOUN
ajbmeb-2910	112	49	base	base	NOUN
ajbmeb-2910	112	50	of	of	ADP
ajbmeb-2910	112	51	private	private	ADJ
ajbmeb-2910	112	52	banks	bank	NOUN
ajbmeb-2910	112	53	,	,	PUNCT
ajbmeb-2910	112	54	we	we	PRON
ajbmeb-2910	112	55	identified	identify	VERB
ajbmeb-2910	112	56	ways	way	NOUN
ajbmeb-2910	112	57	to	to	PART
ajbmeb-2910	112	58	ensure	ensure	VERB
ajbmeb-2910	112	59	the	the	DET
ajbmeb-2910	112	60	sustainability	sustainability	NOUN
ajbmeb-2910	112	61	of	of	ADP
ajbmeb-2910	112	62	the	the	DET
ajbmeb-2910	112	63	resource	resource	NOUN
ajbmeb-2910	112	64	base	base	NOUN
ajbmeb-2910	112	65	of	of	ADP
ajbmeb-2910	112	66	private	private	ADJ
ajbmeb-2910	112	67	banks	bank	NOUN
ajbmeb-2910	112	68	by	by	ADP
ajbmeb-2910	112	69	overcoming	overcome	VERB
ajbmeb-2910	112	70	them	they	PRON
ajbmeb-2910	112	71	as	as	ADV
ajbmeb-2910	112	72	much	much	ADV
ajbmeb-2910	112	73	as	as	ADP
ajbmeb-2910	112	74	possible	possible	ADJ
ajbmeb-2910	112	75	.	.	PUNCT
ajbmeb-2910	113	1	in	in	ADP
ajbmeb-2910	113	2	our	our	PRON
ajbmeb-2910	113	3	opinion	opinion	NOUN
ajbmeb-2910	113	4	,	,	PUNCT
ajbmeb-2910	113	5	these	these	PRON
ajbmeb-2910	113	6	are	be	AUX
ajbmeb-2910	113	7	:	:	PUNCT
ajbmeb-2910	113	8	1	1	X
ajbmeb-2910	113	9	.	.	X
ajbmeb-2910	114	1	it	it	PRON
ajbmeb-2910	114	2	is	be	AUX
ajbmeb-2910	114	3	important	important	ADJ
ajbmeb-2910	114	4	to	to	PART
ajbmeb-2910	114	5	constantly	constantly	ADV
ajbmeb-2910	114	6	increase	increase	VERB
ajbmeb-2910	114	7	the	the	DET
ajbmeb-2910	114	8	share	share	NOUN
ajbmeb-2910	114	9	of	of	ADP
ajbmeb-2910	114	10	the	the	DET
ajbmeb-2910	114	11	authorized	authorized	ADJ
ajbmeb-2910	114	12	capital	capital	NOUN
ajbmeb-2910	114	13	in	in	ADP
ajbmeb-2910	114	14	the	the	DET
ajbmeb-2910	114	15	bank	bank	NOUN
ajbmeb-2910	114	16	's	's	PART
ajbmeb-2910	114	17	capital	capital	NOUN
ajbmeb-2910	114	18	.	.	PUNCT
ajbmeb-2910	115	1	after	after	ADV
ajbmeb-2910	115	2	all	all	ADV
ajbmeb-2910	115	3	,	,	PUNCT
ajbmeb-2910	115	4	the	the	DET
ajbmeb-2910	115	5	authorized	authorized	ADJ
ajbmeb-2910	115	6	capital	capital	NOUN
ajbmeb-2910	115	7	is	be	AUX
ajbmeb-2910	115	8	the	the	DET
ajbmeb-2910	115	9	most	most	ADV
ajbmeb-2910	115	10	stable	stable	ADJ
ajbmeb-2910	115	11	part	part	NOUN
ajbmeb-2910	115	12	of	of	ADP
ajbmeb-2910	115	13	private	private	ADJ
ajbmeb-2910	115	14	capital	capital	NOUN
ajbmeb-2910	115	15	,	,	PUNCT
ajbmeb-2910	115	16	along	along	ADP
ajbmeb-2910	115	17	with	with	ADP
ajbmeb-2910	115	18	the	the	DET
ajbmeb-2910	115	19	retained	retain	VERB
ajbmeb-2910	115	20	earnings	earning	NOUN
ajbmeb-2910	115	21	of	of	ADP
ajbmeb-2910	115	22	the	the	DET
ajbmeb-2910	115	23	bank	bank	NOUN
ajbmeb-2910	115	24	.	.	PUNCT
ajbmeb-2910	116	1	2	2	X
ajbmeb-2910	116	2	.	.	X
ajbmeb-2910	116	3	private	private	ADJ
ajbmeb-2910	116	4	banks	bank	NOUN
ajbmeb-2910	116	5	have	have	VERB
ajbmeb-2910	116	6	the	the	DET
ajbmeb-2910	116	7	opportunity	opportunity	NOUN
ajbmeb-2910	116	8	to	to	PART
ajbmeb-2910	116	9	strengthen	strengthen	VERB
ajbmeb-2910	116	10	the	the	DET
ajbmeb-2910	116	11	additional	additional	ADJ
ajbmeb-2910	116	12	capital	capital	NOUN
ajbmeb-2910	116	13	base	base	NOUN
ajbmeb-2910	116	14	by	by	ADP
ajbmeb-2910	116	15	increasing	increase	VERB
ajbmeb-2910	116	16	the	the	DET
ajbmeb-2910	116	17	volume	volume	NOUN
ajbmeb-2910	116	18	of	of	ADP
ajbmeb-2910	116	19	subordinated	subordinated	ADJ
ajbmeb-2910	116	20	debt	debt	NOUN
ajbmeb-2910	116	21	.	.	PUNCT
ajbmeb-2910	117	1	the	the	DET
ajbmeb-2910	117	2	absence	absence	NOUN
ajbmeb-2910	117	3	of	of	ADP
ajbmeb-2910	117	4	subordinated	subordinated	ADJ
ajbmeb-2910	117	5	debt	debt	NOUN
ajbmeb-2910	117	6	obligations	obligation	NOUN
ajbmeb-2910	117	7	in	in	ADP
ajbmeb-2910	117	8	the	the	DET
ajbmeb-2910	117	9	practice	practice	NOUN
ajbmeb-2910	117	10	of	of	ADP
ajbmeb-2910	117	11	private	private	ADJ
ajbmeb-2910	117	12	banks	bank	NOUN
ajbmeb-2910	117	13	indicates	indicate	VERB
ajbmeb-2910	117	14	the	the	DET
ajbmeb-2910	117	15	weakness	weakness	NOUN
ajbmeb-2910	117	16	of	of	ADP
ajbmeb-2910	117	17	their	their	PRON
ajbmeb-2910	117	18	positions	position	NOUN
ajbmeb-2910	117	19	in	in	ADP
ajbmeb-2910	117	20	the	the	DET
ajbmeb-2910	117	21	long	long	ADJ
ajbmeb-2910	117	22	-	-	PUNCT
ajbmeb-2910	117	23	term	term	NOUN
ajbmeb-2910	117	24	lending	lending	NOUN
ajbmeb-2910	117	25	market	market	NOUN
ajbmeb-2910	117	26	.	.	PUNCT
ajbmeb-2910	118	1	considering	consider	VERB
ajbmeb-2910	118	2	that	that	SCONJ
ajbmeb-2910	118	3	subordinated	subordinate	VERB
ajbmeb-2910	118	4	debt	debt	NOUN
ajbmeb-2910	118	5	obligations	obligation	NOUN
ajbmeb-2910	118	6	are	be	AUX
ajbmeb-2910	118	7	the	the	DET
ajbmeb-2910	118	8	main	main	ADJ
ajbmeb-2910	118	9	part	part	NOUN
ajbmeb-2910	118	10	of	of	ADP
ajbmeb-2910	118	11	the	the	DET
ajbmeb-2910	118	12	bank	bank	NOUN
ajbmeb-2910	118	13	's	's	PART
ajbmeb-2910	118	14	additional	additional	ADJ
ajbmeb-2910	118	15	capital	capital	NOUN
ajbmeb-2910	118	16	structure	structure	NOUN
ajbmeb-2910	118	17	,	,	PUNCT
ajbmeb-2910	118	18	as	as	ADV
ajbmeb-2910	118	19	well	well	ADV
ajbmeb-2910	118	20	as	as	ADP
ajbmeb-2910	118	21	a	a	DET
ajbmeb-2910	118	22	convenient	convenient	ADJ
ajbmeb-2910	118	23	and	and	CCONJ
ajbmeb-2910	118	24	inexpensive	inexpensive	ADJ
ajbmeb-2910	118	25	means	mean	NOUN
ajbmeb-2910	118	26	of	of	ADP
ajbmeb-2910	118	27	attracting	attract	VERB
ajbmeb-2910	118	28	long	long	ADJ
ajbmeb-2910	118	29	-	-	PUNCT
ajbmeb-2910	118	30	term	term	NOUN
ajbmeb-2910	118	31	resources	resource	NOUN
ajbmeb-2910	118	32	,	,	PUNCT
ajbmeb-2910	118	33	it	it	PRON
ajbmeb-2910	118	34	is	be	AUX
ajbmeb-2910	118	35	advisable	advisable	ADJ
ajbmeb-2910	118	36	to	to	PART
ajbmeb-2910	118	37	expand	expand	VERB
ajbmeb-2910	118	38	the	the	DET
ajbmeb-2910	118	39	practice	practice	NOUN
ajbmeb-2910	118	40	of	of	ADP
ajbmeb-2910	118	41	attracting	attract	VERB
ajbmeb-2910	118	42	subordinated	subordinated	ADJ
ajbmeb-2910	118	43	debt	debt	NOUN
ajbmeb-2910	118	44	obligations	obligation	NOUN
ajbmeb-2910	118	45	by	by	ADP
ajbmeb-2910	118	46	private	private	ADJ
ajbmeb-2910	118	47	banks	bank	NOUN
ajbmeb-2910	118	48	;	;	PUNCT
ajbmeb-2910	118	49	3	3	X
ajbmeb-2910	118	50	.	.	PUNCT
ajbmeb-2910	118	51	to	to	PART
ajbmeb-2910	118	52	strengthen	strengthen	VERB
ajbmeb-2910	118	53	the	the	DET
ajbmeb-2910	118	54	resource	resource	NOUN
ajbmeb-2910	118	55	base	base	NOUN
ajbmeb-2910	118	56	,	,	PUNCT
ajbmeb-2910	118	57	private	private	ADJ
ajbmeb-2910	118	58	banks	bank	NOUN
ajbmeb-2910	118	59	should	should	AUX
ajbmeb-2910	118	60	constantly	constantly	ADV
ajbmeb-2910	118	61	introduce	introduce	VERB
ajbmeb-2910	118	62	new	new	ADJ
ajbmeb-2910	118	63	,	,	PUNCT
ajbmeb-2910	118	64	modern	modern	ADJ
ajbmeb-2910	118	65	and	and	CCONJ
ajbmeb-2910	118	66	attractive	attractive	ADJ
ajbmeb-2910	118	67	long	long	ADJ
ajbmeb-2910	118	68	-	-	PUNCT
ajbmeb-2910	118	69	term	term	NOUN
ajbmeb-2910	118	70	deposit	deposit	NOUN
ajbmeb-2910	118	71	services	service	NOUN
ajbmeb-2910	118	72	provided	provide	VERB
ajbmeb-2910	118	73	by	by	ADP
ajbmeb-2910	118	74	banks	bank	NOUN
ajbmeb-2910	118	75	to	to	PART
ajbmeb-2910	118	76	increase	increase	VERB
ajbmeb-2910	118	77	the	the	DET
ajbmeb-2910	118	78	attraction	attraction	NOUN
ajbmeb-2910	118	79	of	of	ADP
ajbmeb-2910	118	80	sustainable	sustainable	ADJ
ajbmeb-2910	118	81	resources	resource	NOUN
ajbmeb-2910	118	82	,	,	PUNCT
ajbmeb-2910	118	83	taking	take	VERB
ajbmeb-2910	118	84	into	into	ADP
ajbmeb-2910	118	85	account	account	NOUN
ajbmeb-2910	118	86	the	the	DET
ajbmeb-2910	118	87	inflation	inflation	NOUN
ajbmeb-2910	118	88	targeting	target	VERB
ajbmeb-2910	118	89	regime	regime	NOUN
ajbmeb-2910	118	90	and	and	CCONJ
ajbmeb-2910	118	91	encouraging	encourage	VERB
ajbmeb-2910	118	92	these	these	DET
ajbmeb-2910	118	93	clients	client	NOUN
ajbmeb-2910	118	94	to	to	PART
ajbmeb-2910	118	95	place	place	VERB
ajbmeb-2910	118	96	deposits	deposit	NOUN
ajbmeb-2910	118	97	.	.	PUNCT
ajbmeb-2910	119	1	back	back	ADV
ajbmeb-2910	119	2	in	in	ADP
ajbmeb-2910	119	3	the	the	DET
ajbmeb-2910	119	4	bank	bank	NOUN
ajbmeb-2910	119	5	.	.	PUNCT
ajbmeb-2910	120	1	the	the	DET
ajbmeb-2910	120	2	full	full	ADJ
ajbmeb-2910	120	3	implementation	implementation	NOUN
ajbmeb-2910	120	4	of	of	ADP
ajbmeb-2910	120	5	the	the	DET
ajbmeb-2910	120	6	above	above	ADJ
ajbmeb-2910	120	7	considerations	consideration	NOUN
ajbmeb-2910	120	8	in	in	ADP
ajbmeb-2910	120	9	the	the	DET
ajbmeb-2910	120	10	activities	activity	NOUN
ajbmeb-2910	120	11	of	of	ADP
ajbmeb-2910	120	12	private	private	ADJ
ajbmeb-2910	120	13	banks	bank	NOUN
ajbmeb-2910	120	14	,	,	PUNCT
ajbmeb-2910	120	15	firstly	firstly	ADV
ajbmeb-2910	120	16	,	,	PUNCT
ajbmeb-2910	120	17	will	will	AUX
ajbmeb-2910	120	18	increase	increase	VERB
ajbmeb-2910	120	19	their	their	PRON
ajbmeb-2910	120	20	efficiency	efficiency	NOUN
ajbmeb-2910	120	21	,	,	PUNCT
ajbmeb-2910	120	22	and	and	CCONJ
ajbmeb-2910	120	23	secondly	secondly	ADV
ajbmeb-2910	120	24	,	,	PUNCT
ajbmeb-2910	120	25	will	will	AUX
ajbmeb-2910	120	26	have	have	VERB
ajbmeb-2910	120	27	a	a	DET
ajbmeb-2910	120	28	positive	positive	ADJ
ajbmeb-2910	120	29	effect	effect	NOUN
ajbmeb-2910	120	30	on	on	ADP
ajbmeb-2910	120	31	strengthening	strengthen	VERB
ajbmeb-2910	120	32	their	their	PRON
ajbmeb-2910	120	33	resource	resource	NOUN
ajbmeb-2910	120	34	base	base	NOUN
ajbmeb-2910	120	35	and	and	CCONJ
ajbmeb-2910	120	36	will	will	AUX
ajbmeb-2910	120	37	serve	serve	VERB
ajbmeb-2910	120	38	as	as	ADP
ajbmeb-2910	120	39	an	an	DET
ajbmeb-2910	120	40	economic	economic	ADJ
ajbmeb-2910	120	41	basis	basis	NOUN
ajbmeb-2910	120	42	for	for	ADP
ajbmeb-2910	120	43	their	their	PRON
ajbmeb-2910	120	44	sustainable	sustainable	ADJ
ajbmeb-2910	120	45	operation	operation	NOUN
ajbmeb-2910	120	46	.	.	PUNCT
ajbmeb-2910	121	1	references	reference	NOUN
ajbmeb-2910	121	2	:	:	PUNCT
ajbmeb-2910	122	1	1	1	X
ajbmeb-2910	122	2	.	.	X
ajbmeb-2910	122	3	tsyhanyuk	tsyhanyuk	NOUN
ajbmeb-2910	122	4	,	,	PUNCT
ajbmeb-2910	122	5	d.(2014	d.(2014	NOUN
ajbmeb-2910	122	6	)	)	PUNCT
ajbmeb-2910	122	7	effective	effective	ADJ
ajbmeb-2910	122	8	ways	way	NOUN
ajbmeb-2910	122	9	to	to	ADP
ajbmeb-2910	122	10	making	make	VERB
ajbmeb-2910	122	11	strong	strong	ADJ
ajbmeb-2910	122	12	resource	resource	NOUN
ajbmeb-2910	122	13	base	base	NOUN
ajbmeb-2910	122	14	for	for	ADP
ajbmeb-2910	122	15	ukrainian	ukrainian	ADJ
ajbmeb-2910	122	16	banks	bank	NOUN
ajbmeb-2910	122	17	in	in	ADP
ajbmeb-2910	122	18	terms	term	NOUN
ajbmeb-2910	122	19	of	of	ADP
ajbmeb-2910	122	20	unstable	unstable	ADJ
ajbmeb-2910	122	21	economy	economy	NOUN
ajbmeb-2910	122	22	//	//	X
ajbmeb-2910	122	23	středoevropskývĕstnĺk	středoevropskývĕstnĺk	X
ajbmeb-2910	122	24	pro	pro	X
ajbmeb-2910	122	25	vĕdu	vĕdu	ADP
ajbmeb-2910	122	26	a	a	DET
ajbmeb-2910	122	27	výzkum	výzkum	NOUN
ajbmeb-2910	122	28	.	.	PUNCT
ajbmeb-2910	123	1	–	–	PUNCT
ajbmeb-2910	123	2	№	№	ADJ
ajbmeb-2910	123	3	7	7	NUM
ajbmeb-2910	123	4	.	.	PUNCT
ajbmeb-2910	124	1	p.	p.	NOUN
ajbmeb-2910	124	2	94	94	NUM
ajbmeb-2910	124	3	-	-	SYM
ajbmeb-2910	124	4	106	106	NUM
ajbmeb-2910	124	5	https://www.essuir.sumdu.edu.ua/bitstream-download/123456789/52435/7	https://www.essuir.sumdu.edu.ua/bitstream-download/123456789/52435/7	NOUN
ajbmeb-2910	124	6	2	2	NUM
ajbmeb-2910	124	7	.	.	NOUN
ajbmeb-2910	124	8	decree	decree	NOUN
ajbmeb-2910	124	9	of	of	ADP
ajbmeb-2910	124	10	the	the	DET
ajbmeb-2910	124	11	president	president	NOUN
ajbmeb-2910	124	12	of	of	ADP
ajbmeb-2910	124	13	the	the	DET
ajbmeb-2910	124	14	republic	republic	NOUN
ajbmeb-2910	124	15	of	of	ADP
ajbmeb-2910	124	16	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	125	1	no	no	PROPN
ajbmeb-2910	125	2	.	.	PUNCT
ajbmeb-2910	126	1	pf-5992	pf-5992	PROPN
ajbmeb-2910	126	2	of	of	ADP
ajbmeb-2910	126	3	may	may	PROPN
ajbmeb-2910	126	4	12	12	NUM
ajbmeb-2910	126	5	,	,	PUNCT
ajbmeb-2910	126	6	2020	2020	NUM
ajbmeb-2910	126	7	"	"	PUNCT
ajbmeb-2910	126	8	on	on	ADP
ajbmeb-2910	126	9	the	the	DET
ajbmeb-2910	126	10	strategy	strategy	NOUN
ajbmeb-2910	126	11	of	of	ADP
ajbmeb-2910	126	12	reforming	reform	VERB
ajbmeb-2910	126	13	the	the	DET
ajbmeb-2910	126	14	banking	banking	NOUN
ajbmeb-2910	126	15	system	system	NOUN
ajbmeb-2910	126	16	of	of	ADP
ajbmeb-2910	126	17	the	the	DET
ajbmeb-2910	126	18	republic	republic	NOUN
ajbmeb-2910	126	19	of	of	ADP
ajbmeb-2910	126	20	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	126	21	for	for	ADP
ajbmeb-2910	126	22	2020	2020	NUM
ajbmeb-2910	126	23	-	-	SYM
ajbmeb-2910	126	24	2025	2025	NUM
ajbmeb-2910	126	25	"	"	PUNCT
ajbmeb-2910	126	26	3	3	NUM
ajbmeb-2910	126	27	.	.	X
ajbmeb-2910	126	28	decree	decree	NOUN
ajbmeb-2910	126	29	of	of	ADP
ajbmeb-2910	126	30	the	the	DET
ajbmeb-2910	126	31	president	president	NOUN
ajbmeb-2910	126	32	of	of	ADP
ajbmeb-2910	126	33	the	the	DET
ajbmeb-2910	126	34	republic	republic	NOUN
ajbmeb-2910	126	35	of	of	ADP
ajbmeb-2910	126	36	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	126	37	no	no	PROPN
ajbmeb-2910	126	38	.	.	PUNCT
ajbmeb-2910	126	39	pf-4947	pf-4947	PROPN
ajbmeb-2910	126	40	of	of	ADP
ajbmeb-2910	126	41	february	february	PROPN
ajbmeb-2910	126	42	7	7	NUM
ajbmeb-2910	126	43	,	,	PUNCT
ajbmeb-2910	126	44	2017	2017	NUM
ajbmeb-2910	126	45	.	.	PUNCT
ajbmeb-2910	127	1	on	on	ADP
ajbmeb-2910	127	2	the	the	DET
ajbmeb-2910	127	3	action	action	NOUN
ajbmeb-2910	127	4	strategy	strategy	NOUN
ajbmeb-2910	127	5	for	for	ADP
ajbmeb-2910	127	6	the	the	DET
ajbmeb-2910	127	7	further	further	ADJ
ajbmeb-2910	127	8	development	development	NOUN
ajbmeb-2910	127	9	of	of	ADP
ajbmeb-2910	127	10	the	the	DET
ajbmeb-2910	127	11	republic	republic	NOUN
ajbmeb-2910	127	12	of	of	ADP
ajbmeb-2910	127	13	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	127	14	//	//	PROPN
ajbmeb-2910	127	15	collection	collection	NOUN
ajbmeb-2910	127	16	of	of	ADP
ajbmeb-2910	127	17	legislation	legislation	NOUN
ajbmeb-2910	127	18	of	of	ADP
ajbmeb-2910	127	19	the	the	DET
ajbmeb-2910	127	20	republic	republic	NOUN
ajbmeb-2910	127	21	of	of	ADP
ajbmeb-2910	127	22	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	127	23	.	.	PUNCT
ajbmeb-2910	128	1	tashkent	tashkent	PROPN
ajbmeb-2910	128	2	,	,	PUNCT
ajbmeb-2910	128	3	2017	2017	NUM
ajbmeb-2910	128	4	.	.	PUNCT
ajbmeb-2910	129	1	№	№	ADJ
ajbmeb-2910	129	2	6	6	NUM
ajbmeb-2910	129	3	(	(	PUNCT
ajbmeb-2910	129	4	766	766	NUM
ajbmeb-2910	129	5	)	)	PUNCT
ajbmeb-2910	129	6	.	.	PUNCT
ajbmeb-2910	130	1	32	32	NUM
ajbmeb-2910	130	2	-	-	PUNCT
ajbmeb-2910	130	3	b.	b.	PROPN
ajbmeb-2910	130	4	4	4	NUM
ajbmeb-2910	130	5	.	.	PUNCT
ajbmeb-2910	131	1	aleksey	aleksey	ADJ
ajbmeb-2910	131	2	mints	mint	NOUN
ajbmeb-2910	131	3	,	,	PUNCT
ajbmeb-2910	131	4	viktoriyamarhasova	viktoriyamarhasova	ADV
ajbmeb-2910	131	5	,	,	PUNCT
ajbmeb-2910	131	6	hanna	hanna	PROPN
ajbmeb-2910	131	7	hlukha	hlukha	PROPN
ajbmeb-2910	131	8	,	,	PUNCT
ajbmeb-2910	131	9	roman	roman	ADJ
ajbmeb-2910	131	10	kurok	kurok	PROPN
ajbmeb-2910	131	11	and	and	CCONJ
ajbmeb-2910	131	12	tetianakolodizieva	tetianakolodizieva	NOUN
ajbmeb-2910	131	13	//	//	NUM
ajbmeb-2910	131	14	analysis	analysis	NOUN
ajbmeb-2910	131	15	of	of	ADP
ajbmeb-2910	131	16	the	the	DET
ajbmeb-2910	131	17	stability	stability	NOUN
ajbmeb-2910	131	18	factors	factor	NOUN
ajbmeb-2910	131	19	of	of	ADP
ajbmeb-2910	131	20	ukrainian	ukrainian	ADJ
ajbmeb-2910	131	21	banks	bank	NOUN
ajbmeb-2910	131	22	during	during	ADP
ajbmeb-2910	131	23	the	the	DET
ajbmeb-2910	131	24	2014–2017	2014–2017	NUM
ajbmeb-2910	131	25	systemic	systemic	ADJ
ajbmeb-2910	131	26	crisis	crisis	NOUN
ajbmeb-2910	131	27	using	use	VERB
ajbmeb-2910	131	28	the	the	DET
ajbmeb-2910	131	29	kohonen	kohonen	PROPN
ajbmeb-2910	131	30	self	self	NOUN
ajbmeb-2910	131	31	-	-	PUNCT
ajbmeb-2910	131	32	organizing	organize	VERB
ajbmeb-2910	131	33	neural	neural	ADJ
ajbmeb-2910	131	34	networks	network	NOUN
ajbmeb-2910	131	35	.	.	PUNCT
ajbmeb-2910	132	1	//	//	NUM
ajbmeb-2910	132	2	banks	bank	NOUN
ajbmeb-2910	132	3	and	and	CCONJ
ajbmeb-2910	132	4	bank	bank	NOUN
ajbmeb-2910	132	5	systems	system	NOUN
ajbmeb-2910	132	6	,	,	PUNCT
ajbmeb-2910	132	7	volume	volume	NOUN
ajbmeb-2910	132	8	14	14	NUM
ajbmeb-2910	132	9	,	,	PUNCT
ajbmeb-2910	132	10	issue	issue	NOUN
ajbmeb-2910	132	11	3	3	NUM
ajbmeb-2910	132	12	,	,	PUNCT
ajbmeb-2910	132	13	2019	2019	NUM
ajbmeb-2910	132	14	,	,	PUNCT
ajbmeb-2910	132	15	86	86	NUM
ajbmeb-2910	132	16	-	-	SYM
ajbmeb-2910	132	17	98	98	NUM
ajbmeb-2910	132	18	.	.	PUNCT
ajbmeb-2910	133	1	doi:10.21511	doi:10.21511	VERB
ajbmeb-2910	133	2	/	/	SYM
ajbmeb-2910	133	3	bbs.14(3).2019.08https://www.researchgate.net	bbs.14(3).2019.08https://www.researchgate.net	NOUN
ajbmeb-2910	133	4	/	/	SYM
ajbmeb-2910	133	5	publication/	publication/	NUM
ajbmeb-2910	133	6	335670166	335670166	NUM
ajbmeb-2910	133	7	5	5	NUM
ajbmeb-2910	133	8	.	.	PUNCT
ajbmeb-2910	134	1	kurbonov	kurbonov	PROPN
ajbmeb-2910	134	2	,	,	PUNCT
ajbmeb-2910	134	3	r.	r.	PROPN
ajbmeb-2910	134	4	phd	phd	PROPN
ajbmeb-2910	134	5	(	(	PUNCT
ajbmeb-2910	134	6	2021	2021	NUM
ajbmeb-2910	134	7	)	)	PUNCT
ajbmeb-2910	134	8	"	"	PUNCT
ajbmeb-2910	134	9	analysis	analysis	NOUN
ajbmeb-2910	134	10	of	of	ADP
ajbmeb-2910	134	11	efficiency	efficiency	NOUN
ajbmeb-2910	134	12	indicators	indicator	NOUN
ajbmeb-2910	134	13	of	of	ADP
ajbmeb-2910	134	14	private	private	ADJ
ajbmeb-2910	134	15	banks	bank	NOUN
ajbmeb-2910	134	16	activity	activity	NOUN
ajbmeb-2910	134	17	,	,	PUNCT
ajbmeb-2910	134	18	"	"	PUNCT
ajbmeb-2910	134	19	international	international	ADJ
ajbmeb-2910	134	20	finance	finance	NOUN
ajbmeb-2910	134	21	and	and	CCONJ
ajbmeb-2910	134	22	accounting	accounting	NOUN
ajbmeb-2910	134	23	:	:	PUNCT
ajbmeb-2910	134	24	vol	vol	NOUN
ajbmeb-2910	134	25	.	.	PUNCT
ajbmeb-2910	134	26	2021	2021	NUM
ajbmeb-2910	134	27	:	:	PUNCT
ajbmeb-2910	135	1	iss	iss	PROPN
ajbmeb-2910	135	2	.	.	PROPN
ajbmeb-2910	135	3	1	1	NUM
ajbmeb-2910	135	4	,	,	PUNCT
ajbmeb-2910	135	5	article	article	NOUN
ajbmeb-2910	135	6	11	11	NUM
ajbmeb-2910	135	7	.	.	PUNCT
ajbmeb-2910	136	1	6	6	NUM
ajbmeb-2910	136	2	.	.	X
ajbmeb-2910	136	3	шершнева	шершнева	VERB
ajbmeb-2910	136	4	е.г	е.г	PROPN
ajbmeb-2910	136	5	.	.	PROPN
ajbmeb-2910	136	6	,	,	PUNCT
ajbmeb-2910	136	7	кондюкова	кондюкова	PROPN
ajbmeb-2910	136	8	е.с	е.с	PROPN
ajbmeb-2910	136	9	.	.	PUNCT
ajbmeb-2910	136	10	банковский	банковский	NUM
ajbmeb-2910	136	11	менеджмент	менеджмент	ADV
ajbmeb-2910	136	12	:	:	PUNCT
ajbmeb-2910	136	13	учебное	учебное	NOUN
ajbmeb-2910	136	14	пособие	пособие	NOUN
ajbmeb-2910	136	15	/.	/.	PUNCT
ajbmeb-2910	137	1	—	—	PUNCT
ajbmeb-2910	137	2	екатеринбург	екатеринбург	NOUN
ajbmeb-2910	137	3	:	:	PUNCT
ajbmeb-2910	137	4	изд	изд	NOUN
ajbmeb-2910	137	5	-	-	PUNCT
ajbmeb-2910	137	6	во	во	NUM
ajbmeb-2910	137	7	урал	урал	NOUN
ajbmeb-2910	137	8	.	.	PUNCT
ajbmeb-2910	138	1	ун	ун	NOUN
ajbmeb-2910	138	2	-	-	PUNCT
ajbmeb-2910	138	3	та	та	NOUN
ajbmeb-2910	138	4	,	,	PUNCT
ajbmeb-2910	138	5	2017	2017	NUM
ajbmeb-2910	138	6	.	.	PUNCT
ajbmeb-2910	139	1	—	—	PUNCT
ajbmeb-2910	139	2	112	112	NUM
ajbmeb-2910	139	3	с	с	NOUN
ajbmeb-2910	139	4	..	..	PROPN
ajbmeb-2910	139	5	7	7	X
ajbmeb-2910	139	6	.	.	X
ajbmeb-2910	140	1	azizov	azizov	PROPN
ajbmeb-2910	140	2	u.o	u.o	PROPN
ajbmeb-2910	140	3	.	.	PROPN
ajbmeb-2910	140	4	,	,	PUNCT
ajbmeb-2910	140	5	karaliev	karaliev	NOUN
ajbmeb-2910	140	6	t.m.and	t.m.and	CCONJ
ajbmeb-2910	140	7	others	other	NOUN
ajbmeb-2910	140	8	.	.	PUNCT
ajbmeb-2910	141	1	banking	banking	NOUN
ajbmeb-2910	141	2	textbook	textbook	NOUN
ajbmeb-2910	141	3	-t	-t	PROPN
ajbmeb-2910	141	4	.	.	PUNCT
ajbmeb-2910	141	5	:	:	PUNCT
ajbmeb-2910	142	1	tfi	tfi	X
ajbmeb-2910	142	2	,	,	PUNCT
ajbmeb-2910	142	3	economics	economic	NOUN
ajbmeb-2910	142	4	,	,	PUNCT
ajbmeb-2910	142	5	and	and	CCONJ
ajbmeb-2910	142	6	finance	finance	NOUN
ajbmeb-2910	142	7	,	,	PUNCT
ajbmeb-2910	142	8	2016	2016	NUM
ajbmeb-2910	142	9	.	.	PUNCT
ajbmeb-2910	143	1	768	768	NUM
ajbmeb-2910	143	2	p	p	NOUN
ajbmeb-2910	143	3	8	8	NUM
ajbmeb-2910	143	4	.	.	PUNCT
ajbmeb-2910	143	5	abdullaeva	abdullaeva	PROPN
ajbmeb-2910	143	6	sh.z	sh.z	PROPN
ajbmeb-2910	143	7	.	.	PROPN
ajbmeb-2910	143	8	,	,	PUNCT
ajbmeb-2910	143	9	azizov	azizov	PROPN
ajbmeb-2910	143	10	u.o	u.o	PROPN
ajbmeb-2910	143	11	..	..	PROPN
ajbmeb-2910	143	12	banking	banking	NOUN
ajbmeb-2910	143	13	.	.	PUNCT
ajbmeb-2910	144	1	textbook	textbook	NOUN
ajbmeb-2910	144	2	.	.	PUNCT
ajbmeb-2910	145	1	-t	-t	INTJ
ajbmeb-2910	145	2	.	.	PUNCT
ajbmeb-2910	146	1	:	:	PUNCT
ajbmeb-2910	146	2	tfi	tfi	X
ajbmeb-2910	146	3	,	,	PUNCT
ajbmeb-2910	146	4	economics	economic	NOUN
ajbmeb-2910	146	5	,	,	PUNCT
ajbmeb-2910	146	6	and	and	CCONJ
ajbmeb-2910	146	7	finance	finance	NOUN
ajbmeb-2910	146	8	,	,	PUNCT
ajbmeb-2910	146	9	2019	2019	NUM
ajbmeb-2910	146	10	,	,	PUNCT
ajbmeb-2910	146	11	168	168	NUM
ajbmeb-2910	147	1	p.	p.	NOUN
ajbmeb-2910	147	2	https://www.essuir.sumdu.edu.ua/bitstream%20-download/123456789/52435/7	https://www.essuir.sumdu.edu.ua/bitstream%20-download/123456789/52435/7	PROPN
ajbmeb-2910	147	3	https://www.researchgate.net/publication/%20335670166	https://www.researchgate.net/publication/%20335670166	NUM
ajbmeb-2910	147	4	american	american	PROPN
ajbmeb-2910	147	5	journal	journal	PROPN
ajbmeb-2910	147	6	of	of	ADP
ajbmeb-2910	147	7	business	business	NOUN
ajbmeb-2910	147	8	management	management	NOUN
ajbmeb-2910	147	9	,	,	PUNCT
ajbmeb-2910	147	10	economics	economic	NOUN
ajbmeb-2910	147	11	and	and	CCONJ
ajbmeb-2910	147	12	banking	banking	NOUN
ajbmeb-2910	147	13	volume	volume	NOUN
ajbmeb-2910	147	14	36	36	NUM
ajbmeb-2910	147	15	may2025	may2025	NOUN
ajbmeb-2910	147	16	p	p	NOUN
ajbmeb-2910	147	17	a	a	DET
ajbmeb-2910	147	18	g	g	NOUN
ajbmeb-2910	147	19	e	e	NOUN
ajbmeb-2910	147	20	|	|	ADV
ajbmeb-2910	147	21	8	8	NUM
ajbmeb-2910	147	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2910	147	23	9	9	NUM
ajbmeb-2910	147	24	.	.	PUNCT
ajbmeb-2910	148	1	qurbonov	qurbonov	PROPN
ajbmeb-2910	148	2	,	,	PUNCT
ajbmeb-2910	148	3	r.	r.	PROPN
ajbmeb-2910	148	4	(	(	PUNCT
ajbmeb-2910	148	5	2019	2019	NUM
ajbmeb-2910	148	6	)	)	PUNCT
ajbmeb-2910	148	7	.	.	PUNCT
ajbmeb-2910	149	1	theoretical	theoretical	ADJ
ajbmeb-2910	149	2	and	and	CCONJ
ajbmeb-2910	149	3	practical	practical	ADJ
ajbmeb-2910	149	4	aspects	aspect	NOUN
ajbmeb-2910	149	5	of	of	ADP
ajbmeb-2910	149	6	the	the	DET
ajbmeb-2910	149	7	formation	formation	NOUN
ajbmeb-2910	149	8	of	of	ADP
ajbmeb-2910	149	9	private	private	ADJ
ajbmeb-2910	149	10	banks’resource	banks’resource	NOUN
ajbmeb-2910	149	11	base	base	NOUN
ajbmeb-2910	149	12	.	.	PUNCT
ajbmeb-2910	150	1	international	international	ADJ
ajbmeb-2910	150	2	finance	finance	NOUN
ajbmeb-2910	150	3	and	and	CCONJ
ajbmeb-2910	150	4	accounting	accounting	NOUN
ajbmeb-2910	150	5	,	,	PUNCT
ajbmeb-2910	150	6	2019(5	2019(5	NUM
ajbmeb-2910	150	7	)	)	PUNCT
ajbmeb-2910	150	8	,	,	PUNCT
ajbmeb-2910	150	9	7	7	NUM
ajbmeb-2910	150	10	.	.	NOUN
ajbmeb-2910	150	11	10	10	NUM
ajbmeb-2910	150	12	.	.	PUNCT
ajbmeb-2910	151	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	151	2	r	r	PROPN
ajbmeb-2910	151	3	(	(	PUNCT
ajbmeb-2910	151	4	2020	2020	NUM
ajbmeb-2910	151	5	)	)	PUNCT
ajbmeb-2910	151	6	.	.	PUNCT
ajbmeb-2910	152	1	"	"	PUNCT
ajbmeb-2910	152	2	analysis	analysis	NOUN
ajbmeb-2910	152	3	of	of	ADP
ajbmeb-2910	152	4	financial	financial	ADJ
ajbmeb-2910	152	5	performance	performance	NOUN
ajbmeb-2910	152	6	of	of	ADP
ajbmeb-2910	152	7	private	private	ADJ
ajbmeb-2910	152	8	banks	bank	NOUN
ajbmeb-2910	152	9	in	in	ADP
ajbmeb-2910	152	10	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	152	11	.	.	PUNCT
ajbmeb-2910	152	12	"	"	PUNCT
ajbmeb-2910	153	1	international	international	ADJ
ajbmeb-2910	153	2	journal	journal	NOUN
ajbmeb-2910	153	3	of	of	ADP
ajbmeb-2910	153	4	psychosocial	psychosocial	ADJ
ajbmeb-2910	153	5	rehabilitation	rehabilitation	NOUN
ajbmeb-2910	153	6	24.05	24.05	NUM
ajbmeb-2910	153	7	(	(	PUNCT
ajbmeb-2910	153	8	2020	2020	NUM
ajbmeb-2910	153	9	)	)	PUNCT
ajbmeb-2910	153	10	.	.	PUNCT
ajbmeb-2910	154	1	11	11	NUM
ajbmeb-2910	154	2	.	.	X
ajbmeb-2910	155	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	155	2	,	,	PUNCT
ajbmeb-2910	155	3	r.	r.	PROPN
ajbmeb-2910	155	4	(	(	PUNCT
ajbmeb-2910	155	5	2020	2020	NUM
ajbmeb-2910	155	6	)	)	PUNCT
ajbmeb-2910	155	7	.	.	PUNCT
ajbmeb-2910	156	1	the	the	DET
ajbmeb-2910	156	2	practice	practice	NOUN
ajbmeb-2910	156	3	of	of	ADP
ajbmeb-2910	156	4	strengthening	strengthening	NOUN
ajbmeb-2910	156	5	of	of	ADP
ajbmeb-2910	156	6	resource	resource	NOUN
ajbmeb-2910	156	7	base	base	NOUN
ajbmeb-2910	156	8	in	in	ADP
ajbmeb-2910	156	9	private	private	ADJ
ajbmeb-2910	156	10	banks	bank	NOUN
ajbmeb-2910	156	11	.	.	PUNCT
ajbmeb-2910	157	1	international	international	ADJ
ajbmeb-2910	157	2	journal	journal	PROPN
ajbmeb-2910	157	3	of	of	ADP
ajbmeb-2910	157	4	economics	economic	NOUN
ajbmeb-2910	157	5	,	,	PUNCT
ajbmeb-2910	157	6	commerce	commerce	NOUN
ajbmeb-2910	157	7	and	and	CCONJ
ajbmeb-2910	157	8	management	management	NOUN
ajbmeb-2910	157	9	,	,	PUNCT
ajbmeb-2910	157	10	8(3	8(3	NUM
ajbmeb-2910	157	11	)	)	PUNCT
ajbmeb-2910	157	12	,	,	PUNCT
ajbmeb-2910	157	13	23485	23485	NUM
ajbmeb-2910	157	14	-	-	SYM
ajbmeb-2910	157	15	0386	0386	NUM
ajbmeb-2910	157	16	.	.	PUNCT
ajbmeb-2910	158	1	12	12	NUM
ajbmeb-2910	158	2	.	.	PUNCT
ajbmeb-2910	159	1	kurbanov	kurbanov	PROPN
ajbmeb-2910	159	2	,	,	PUNCT
ajbmeb-2910	159	3	r.	r.	PROPN
ajbmeb-2910	159	4	b.	b.	PROPN
ajbmeb-2910	159	5	(	(	PUNCT
ajbmeb-2910	159	6	2021	2021	NUM
ajbmeb-2910	159	7	)	)	PUNCT
ajbmeb-2910	159	8	.	.	PUNCT
ajbmeb-2910	160	1	improving	improve	VERB
ajbmeb-2910	160	2	the	the	DET
ajbmeb-2910	160	3	organization	organization	NOUN
ajbmeb-2910	160	4	of	of	ADP
ajbmeb-2910	160	5	the	the	DET
ajbmeb-2910	160	6	resource	resource	NOUN
ajbmeb-2910	160	7	base	base	NOUN
ajbmeb-2910	160	8	of	of	ADP
ajbmeb-2910	160	9	private	private	ADJ
ajbmeb-2910	160	10	banks	bank	NOUN
ajbmeb-2910	160	11	of	of	ADP
ajbmeb-2910	160	12	the	the	DET
ajbmeb-2910	160	13	republic	republic	NOUN
ajbmeb-2910	160	14	of	of	ADP
ajbmeb-2910	160	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	160	16	.	.	PUNCT
ajbmeb-2910	161	1	saarj	saarj	PROPN
ajbmeb-2910	161	2	journal	journal	PROPN
ajbmeb-2910	161	3	on	on	ADP
ajbmeb-2910	161	4	banking	banking	NOUN
ajbmeb-2910	161	5	&	&	CCONJ
ajbmeb-2910	161	6	insurance	insurance	PROPN
ajbmeb-2910	161	7	research	research	NOUN
ajbmeb-2910	161	8	,	,	PUNCT
ajbmeb-2910	161	9	10(5	10(5	NUM
ajbmeb-2910	161	10	)	)	PUNCT
ajbmeb-2910	161	11	,	,	PUNCT
ajbmeb-2910	161	12	41	41	NUM
ajbmeb-2910	161	13	-	-	SYM
ajbmeb-2910	161	14	45	45	NUM
ajbmeb-2910	161	15	.	.	NOUN
ajbmeb-2910	161	16	13	13	NUM
ajbmeb-2910	161	17	.	.	PUNCT
ajbmeb-2910	161	18	donnellan	donnellan	PROPN
ajbmeb-2910	161	19	,	,	PUNCT
ajbmeb-2910	161	20	j.	j.	PROPN
ajbmeb-2910	161	21	,	,	PUNCT
ajbmeb-2910	161	22	&	&	CCONJ
ajbmeb-2910	161	23	rutledge	rutledge	PROPN
ajbmeb-2910	161	24	,	,	PUNCT
ajbmeb-2910	161	25	w.	w.	PROPN
ajbmeb-2910	161	26	l.	l.	PROPN
ajbmeb-2910	161	27	(	(	PUNCT
ajbmeb-2910	161	28	2019	2019	NUM
ajbmeb-2910	161	29	)	)	PUNCT
ajbmeb-2910	161	30	.	.	PUNCT
ajbmeb-2910	162	1	a	a	DET
ajbmeb-2910	162	2	case	case	NOUN
ajbmeb-2910	162	3	for	for	ADP
ajbmeb-2910	162	4	resource‐based	resource‐base	VERB
ajbmeb-2910	162	5	view	view	NOUN
ajbmeb-2910	162	6	and	and	CCONJ
ajbmeb-2910	162	7	competitive	competitive	ADJ
ajbmeb-2910	162	8	advantage	advantage	NOUN
ajbmeb-2910	162	9	in	in	ADP
ajbmeb-2910	162	10	banking	banking	NOUN
ajbmeb-2910	162	11	.	.	PUNCT
ajbmeb-2910	163	1	managerial	managerial	ADJ
ajbmeb-2910	163	2	and	and	CCONJ
ajbmeb-2910	163	3	decision	decision	NOUN
ajbmeb-2910	163	4	economics	economic	NOUN
ajbmeb-2910	163	5	,	,	PUNCT
ajbmeb-2910	163	6	40(6	40(6	NOUN
ajbmeb-2910	163	7	)	)	PUNCT
ajbmeb-2910	163	8	,	,	PUNCT
ajbmeb-2910	163	9	728	728	NUM
ajbmeb-2910	163	10	-	-	SYM
ajbmeb-2910	163	11	737	737	NUM
ajbmeb-2910	163	12	.	.	PUNCT
ajbmeb-2910	163	13	14	14	NUM
ajbmeb-2910	163	14	.	.	PUNCT
ajbmeb-2910	164	1	ahmed	ahmed	PROPN
ajbmeb-2910	164	2	,	,	PUNCT
ajbmeb-2910	164	3	a.	a.	PROPN
ajbmeb-2910	164	4	,	,	PUNCT
ajbmeb-2910	164	5	khuwaja	khuwaja	PROPN
ajbmeb-2910	164	6	,	,	PUNCT
ajbmeb-2910	164	7	f.	f.	PROPN
ajbmeb-2910	164	8	m.	m.	PROPN
ajbmeb-2910	164	9	,	,	PUNCT
ajbmeb-2910	164	10	brohi	brohi	NOUN
ajbmeb-2910	164	11	,	,	PUNCT
ajbmeb-2910	164	12	n.	n.	PROPN
ajbmeb-2910	164	13	a.	a.	PROPN
ajbmeb-2910	164	14	,	,	PUNCT
ajbmeb-2910	164	15	othman	othman	PROPN
ajbmeb-2910	164	16	,	,	PUNCT
ajbmeb-2910	164	17	i.	i.	PROPN
ajbmeb-2910	164	18	,	,	PUNCT
ajbmeb-2910	164	19	&	&	CCONJ
ajbmeb-2910	164	20	bin	bin	PROPN
ajbmeb-2910	164	21	,	,	PUNCT
ajbmeb-2910	164	22	l.	l.	PROPN
ajbmeb-2910	164	23	(	(	PUNCT
ajbmeb-2910	164	24	2018	2018	NUM
ajbmeb-2910	164	25	)	)	PUNCT
ajbmeb-2910	164	26	.	.	PUNCT
ajbmeb-2910	165	1	organizational	organizational	ADJ
ajbmeb-2910	165	2	factors	factor	NOUN
ajbmeb-2910	165	3	and	and	CCONJ
ajbmeb-2910	165	4	organizational	organizational	ADJ
ajbmeb-2910	165	5	performance	performance	NOUN
ajbmeb-2910	165	6	:	:	PUNCT
ajbmeb-2910	165	7	a	a	DET
ajbmeb-2910	165	8	resource	resource	NOUN
ajbmeb-2910	165	9	-	-	PUNCT
ajbmeb-2910	165	10	based	base	VERB
ajbmeb-2910	165	11	view	view	NOUN
ajbmeb-2910	165	12	and	and	CCONJ
ajbmeb-2910	165	13	social	social	ADJ
ajbmeb-2910	165	14	exchange	exchange	NOUN
ajbmeb-2910	165	15	theory	theory	NOUN
ajbmeb-2910	165	16	viewpoint	viewpoint	NOUN
ajbmeb-2910	165	17	.	.	PUNCT
ajbmeb-2910	166	1	international	international	ADJ
ajbmeb-2910	166	2	journal	journal	PROPN
ajbmeb-2910	166	3	of	of	ADP
ajbmeb-2910	166	4	academic	academic	ADJ
ajbmeb-2910	166	5	research	research	NOUN
ajbmeb-2910	166	6	in	in	ADP
ajbmeb-2910	166	7	business	business	NOUN
ajbmeb-2910	166	8	and	and	CCONJ
ajbmeb-2910	166	9	social	social	ADJ
ajbmeb-2910	166	10	sciences	science	NOUN
ajbmeb-2910	166	11	,	,	PUNCT
ajbmeb-2910	166	12	8(3	8(3	NUM
ajbmeb-2910	166	13	)	)	PUNCT
ajbmeb-2910	166	14	,	,	PUNCT
ajbmeb-2910	166	15	579	579	NUM
ajbmeb-2910	166	16	-	-	SYM
ajbmeb-2910	166	17	599	599	NUM
ajbmeb-2910	166	18	.	.	PUNCT
ajbmeb-2910	167	1	15	15	NUM
ajbmeb-2910	167	2	.	.	PUNCT
ajbmeb-2910	168	1	mahmood	mahmood	PROPN
ajbmeb-2910	168	2	,	,	PUNCT
ajbmeb-2910	168	3	n.s	n.s	PROPN
ajbmeb-2910	168	4	.	.	PROPN
ajbmeb-2910	168	5	,	,	PUNCT
ajbmeb-2910	168	6	ahmed	ahmed	PROPN
ajbmeb-2910	168	7	,	,	PUNCT
ajbmeb-2910	168	8	e.m	e.m	PROPN
ajbmeb-2910	168	9	.	.	NOUN
ajbmeb-2910	168	10	mediating	mediate	VERB
ajbmeb-2910	168	11	effect	effect	NOUN
ajbmeb-2910	168	12	of	of	ADP
ajbmeb-2910	168	13	risk	risk	NOUN
ajbmeb-2910	168	14	management	management	NOUN
ajbmeb-2910	168	15	practices	practice	NOUN
ajbmeb-2910	168	16	in	in	ADP
ajbmeb-2910	168	17	iraqi	iraqi	ADJ
ajbmeb-2910	168	18	private	private	ADJ
ajbmeb-2910	168	19	banks	bank	NOUN
ajbmeb-2910	168	20	financial	financial	ADJ
ajbmeb-2910	168	21	performance	performance	NOUN
ajbmeb-2910	168	22	.	.	PUNCT
ajbmeb-2910	169	1	j	j	PROPN
ajbmeb-2910	169	2	financ	financ	PROPN
ajbmeb-2910	169	3	serv	serv	PROPN
ajbmeb-2910	169	4	mark	mark	PROPN
ajbmeb-2910	169	5	(	(	PUNCT
ajbmeb-2910	169	6	2022	2022	NUM
ajbmeb-2910	169	7	)	)	PUNCT
ajbmeb-2910	169	8	.	.	PUNCT
ajbmeb-2910	170	1	https://doi.org/10.1057/s41264-02200155-y	https://doi.org/10.1057/s41264-02200155-y	PRON
ajbmeb-2910	170	2	16	16	NUM
ajbmeb-2910	170	3	.	.	PUNCT
ajbmeb-2910	171	1	roy	roy	PROPN
ajbmeb-2910	171	2	,	,	PUNCT
ajbmeb-2910	171	3	a.	a.	NOUN
ajbmeb-2910	171	4	business	business	NOUN
ajbmeb-2910	171	5	segment	segment	NOUN
ajbmeb-2910	171	6	diversification	diversification	NOUN
ajbmeb-2910	171	7	of	of	ADP
ajbmeb-2910	171	8	private	private	ADJ
ajbmeb-2910	171	9	banks	bank	NOUN
ajbmeb-2910	171	10	in	in	ADP
ajbmeb-2910	171	11	india	india	PROPN
ajbmeb-2910	171	12	.	.	PUNCT
ajbmeb-2910	172	1	decision	decision	NOUN
ajbmeb-2910	172	2	48	48	NUM
ajbmeb-2910	172	3	,	,	PUNCT
ajbmeb-2910	172	4	295–308	295–308	NUM
ajbmeb-2910	172	5	(	(	PUNCT
ajbmeb-2910	172	6	2021	2021	NUM
ajbmeb-2910	172	7	)	)	PUNCT
ajbmeb-2910	172	8	.	.	PUNCT
ajbmeb-2910	173	1	https://doi.org/10.1007/s40622-021-00285-7	https://doi.org/10.1007/s40622-021-00285-7	NUM
ajbmeb-2910	173	2	17	17	NUM
ajbmeb-2910	173	3	.	.	PUNCT
ajbmeb-2910	174	1	www.cbu.uzofficial	www.cbu.uzofficial	PROPN
ajbmeb-2910	174	2	site	site	NOUN
ajbmeb-2910	174	3	of	of	ADP
ajbmeb-2910	174	4	the	the	DET
ajbmeb-2910	174	5	central	central	ADJ
ajbmeb-2910	174	6	bank	bank	NOUN
ajbmeb-2910	174	7	of	of	ADP
ajbmeb-2910	174	8	the	the	DET
ajbmeb-2910	174	9	republic	republic	NOUN
ajbmeb-2910	174	10	of	of	ADP
ajbmeb-2910	174	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2910	174	12	.	.	PUNCT
ajbmeb-2910	175	1	https://doi.org/10.1057/s41264-022-00155-y	https://doi.org/10.1057/s41264-022-00155-y	PROPN
ajbmeb-2910	175	2	https://doi.org/10.1057/s41264-022-00155-y	https://doi.org/10.1057/s41264-022-00155-y	PROPN
ajbmeb-2910	175	3	https://doi.org/10.1007/s40622-021-00285-7	https://doi.org/10.1007/s40622-021-00285-7	NUM
ajbmeb-2910	175	4	http://www.cbu.uz/	http://www.cbu.uz/	ADV