id	sid	tid	token	lemma	pos
ajbmeb-2983	1	1	american	american	PROPN
ajbmeb-2983	1	2	journal	journal	PROPN
ajbmeb-2983	1	3	of	of	ADP
ajbmeb-2983	1	4	business	business	NOUN
ajbmeb-2983	1	5	management	management	NOUN
ajbmeb-2983	1	6	,	,	PUNCT
ajbmeb-2983	1	7	economics	economic	NOUN
ajbmeb-2983	1	8	and	and	CCONJ
ajbmeb-2983	1	9	banking	banking	NOUN
ajbmeb-2983	1	10	issn	issn	PROPN
ajbmeb-2983	1	11	(	(	PUNCT
ajbmeb-2983	1	12	e	e	NOUN
ajbmeb-2983	1	13	):	):	PUNCT
ajbmeb-2983	1	14	2832	2832	NUM
ajbmeb-2983	1	15	-	-	SYM
ajbmeb-2983	1	16	8078	8078	NUM
ajbmeb-2983	1	17	volume	volume	NOUN
ajbmeb-2983	1	18	37	37	NUM
ajbmeb-2983	1	19	,	,	PUNCT
ajbmeb-2983	1	20	june	june	PROPN
ajbmeb-2983	1	21	2025	2025	NUM
ajbmeb-2983	1	22	p	p	NOUN
ajbmeb-2983	2	1	a	a	DET
ajbmeb-2983	2	2	g	g	NOUN
ajbmeb-2983	2	3	e	e	NOUN
ajbmeb-2983	2	4	|	|	ADV
ajbmeb-2983	2	5	18	18	NUM
ajbmeb-2983	2	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	2	7	theoretical	theoretical	ADJ
ajbmeb-2983	2	8	aspects	aspect	NOUN
ajbmeb-2983	2	9	of	of	ADP
ajbmeb-2983	2	10	deposit	deposit	NOUN
ajbmeb-2983	2	11	operations	operation	NOUN
ajbmeb-2983	2	12	of	of	ADP
ajbmeb-2983	2	13	commercial	commercial	ADJ
ajbmeb-2983	2	14	banks	bank	NOUN
ajbmeb-2983	2	15	rakhimov	rakhimov	ADJ
ajbmeb-2983	2	16	akmal	akmal	PROPN
ajbmeb-2983	2	17	matyakubovich	matyakubovich	PROPN
ajbmeb-2983	2	18	,	,	PUNCT
ajbmeb-2983	2	19	phd	phd	NOUN
ajbmeb-2983	2	20	,	,	PUNCT
ajbmeb-2983	2	21	professor	professor	NOUN
ajbmeb-2983	2	22	of	of	ADP
ajbmeb-2983	2	23	tashkent	tashkent	PROPN
ajbmeb-2983	2	24	state	state	PROPN
ajbmeb-2983	2	25	university	university	PROPN
ajbmeb-2983	2	26	of	of	ADP
ajbmeb-2983	2	27	economics	economics	PROPN
ajbmeb-2983	2	28	e	e	NOUN
ajbmeb-2983	2	29	-	-	NOUN
ajbmeb-2983	2	30	mail	mail	NOUN
ajbmeb-2983	2	31	:	:	PUNCT
ajbmeb-2983	2	32	a.rahimov@tsue.uz	a.rahimov@tsue.uz	X
ajbmeb-2983	2	33	+99890	+99890	VERB
ajbmeb-2983	2	34	134	134	NUM
ajbmeb-2983	2	35	71	71	NUM
ajbmeb-2983	2	36	71	71	NUM
ajbmeb-2983	2	37	a	a	DET
ajbmeb-2983	2	38	b	b	PROPN
ajbmeb-2983	2	39	s	s	ADP
ajbmeb-2983	2	40	t	t	PROPN
ajbmeb-2983	2	41	r	r	NOUN
ajbmeb-2983	2	42	a	a	DET
ajbmeb-2983	2	43	c	c	NOUN
ajbmeb-2983	2	44	t	t	NOUN
ajbmeb-2983	2	45	k	k	X
ajbmeb-2983	2	46	e	e	PROPN
ajbmeb-2983	2	47	y	y	PROPN
ajbmeb-2983	2	48	w	w	NOUN
ajbmeb-2983	3	1	o	o	NOUN
ajbmeb-2983	3	2	r	r	NOUN
ajbmeb-2983	3	3	d	d	X
ajbmeb-2983	3	4	s	s	AUX
ajbmeb-2983	3	5	the	the	DET
ajbmeb-2983	3	6	article	article	NOUN
ajbmeb-2983	3	7	examines	examine	VERB
ajbmeb-2983	3	8	the	the	DET
ajbmeb-2983	3	9	scientific	scientific	ADJ
ajbmeb-2983	3	10	views	view	NOUN
ajbmeb-2983	3	11	of	of	ADP
ajbmeb-2983	3	12	strengthening	strengthen	VERB
ajbmeb-2983	3	13	the	the	DET
ajbmeb-2983	3	14	deposit	deposit	NOUN
ajbmeb-2983	3	15	base	base	NOUN
ajbmeb-2983	3	16	of	of	ADP
ajbmeb-2983	3	17	commercial	commercial	ADJ
ajbmeb-2983	3	18	banks	bank	NOUN
ajbmeb-2983	3	19	,	,	PUNCT
ajbmeb-2983	3	20	analyzing	analyze	VERB
ajbmeb-2983	3	21	the	the	DET
ajbmeb-2983	3	22	current	current	ADJ
ajbmeb-2983	3	23	state	state	NOUN
ajbmeb-2983	3	24	of	of	ADP
ajbmeb-2983	3	25	the	the	DET
ajbmeb-2983	3	26	deposit	deposit	NOUN
ajbmeb-2983	3	27	base	base	NOUN
ajbmeb-2983	3	28	of	of	ADP
ajbmeb-2983	3	29	commercial	commercial	ADJ
ajbmeb-2983	3	30	banks	bank	NOUN
ajbmeb-2983	3	31	in	in	ADP
ajbmeb-2983	3	32	our	our	PRON
ajbmeb-2983	3	33	country	country	NOUN
ajbmeb-2983	3	34	and	and	CCONJ
ajbmeb-2983	3	35	the	the	DET
ajbmeb-2983	3	36	influence	influence	NOUN
ajbmeb-2983	3	37	of	of	ADP
ajbmeb-2983	3	38	internal	internal	ADJ
ajbmeb-2983	3	39	and	and	CCONJ
ajbmeb-2983	3	40	external	external	ADJ
ajbmeb-2983	3	41	factors	factor	NOUN
ajbmeb-2983	3	42	on	on	ADP
ajbmeb-2983	3	43	the	the	DET
ajbmeb-2983	3	44	expansion	expansion	NOUN
ajbmeb-2983	3	45	of	of	ADP
ajbmeb-2983	3	46	deposits	deposit	NOUN
ajbmeb-2983	3	47	,	,	PUNCT
ajbmeb-2983	3	48	and	and	CCONJ
ajbmeb-2983	3	49	also	also	ADV
ajbmeb-2983	3	50	considers	consider	VERB
ajbmeb-2983	3	51	ways	way	NOUN
ajbmeb-2983	3	52	to	to	PART
ajbmeb-2983	3	53	strengthen	strengthen	VERB
ajbmeb-2983	3	54	and	and	CCONJ
ajbmeb-2983	3	55	expand	expand	VERB
ajbmeb-2983	3	56	the	the	DET
ajbmeb-2983	3	57	resource	resource	NOUN
ajbmeb-2983	3	58	base	base	NOUN
ajbmeb-2983	3	59	of	of	ADP
ajbmeb-2983	3	60	banks	bank	NOUN
ajbmeb-2983	3	61	.	.	PUNCT
ajbmeb-2983	4	1	commercial	commercial	ADJ
ajbmeb-2983	4	2	banks	bank	NOUN
ajbmeb-2983	4	3	,	,	PUNCT
ajbmeb-2983	4	4	deposit	deposit	NOUN
ajbmeb-2983	4	5	,	,	PUNCT
ajbmeb-2983	4	6	deposit	deposit	NOUN
ajbmeb-2983	4	7	base	base	NOUN
ajbmeb-2983	4	8	,	,	PUNCT
ajbmeb-2983	4	9	types	type	NOUN
ajbmeb-2983	4	10	of	of	ADP
ajbmeb-2983	4	11	deposits	deposit	NOUN
ajbmeb-2983	4	12	,	,	PUNCT
ajbmeb-2983	4	13	demand	demand	NOUN
ajbmeb-2983	4	14	deposit	deposit	NOUN
ajbmeb-2983	4	15	,	,	PUNCT
ajbmeb-2983	4	16	time	time	NOUN
ajbmeb-2983	4	17	deposit	deposit	NOUN
ajbmeb-2983	4	18	,	,	PUNCT
ajbmeb-2983	4	19	savings	saving	NOUN
ajbmeb-2983	4	20	deposit	deposit	NOUN
ajbmeb-2983	4	21	,	,	PUNCT
ajbmeb-2983	4	22	deposit	deposit	NOUN
ajbmeb-2983	4	23	certificate	certificate	NOUN
ajbmeb-2983	4	24	,	,	PUNCT
ajbmeb-2983	4	25	bank	bank	NOUN
ajbmeb-2983	4	26	resources	resource	NOUN
ajbmeb-2983	4	27	,	,	PUNCT
ajbmeb-2983	4	28	bank	bank	NOUN
ajbmeb-2983	4	29	resource	resource	NOUN
ajbmeb-2983	4	30	base	base	NOUN
ajbmeb-2983	4	31	.	.	PUNCT
ajbmeb-2983	5	1	introduction	introduction	NOUN
ajbmeb-2983	5	2	one	one	NUM
ajbmeb-2983	5	3	of	of	ADP
ajbmeb-2983	5	4	the	the	DET
ajbmeb-2983	5	5	main	main	ADJ
ajbmeb-2983	5	6	and	and	CCONJ
ajbmeb-2983	5	7	effective	effective	ADJ
ajbmeb-2983	5	8	pillars	pillar	NOUN
ajbmeb-2983	5	9	of	of	ADP
ajbmeb-2983	5	10	the	the	DET
ajbmeb-2983	5	11	country	country	NOUN
ajbmeb-2983	5	12	's	's	PART
ajbmeb-2983	5	13	economy	economy	NOUN
ajbmeb-2983	5	14	is	be	AUX
ajbmeb-2983	5	15	a	a	DET
ajbmeb-2983	5	16	financially	financially	ADV
ajbmeb-2983	5	17	robust	robust	ADJ
ajbmeb-2983	5	18	and	and	CCONJ
ajbmeb-2983	5	19	stable	stable	ADJ
ajbmeb-2983	5	20	bank	bank	NOUN
ajbmeb-2983	5	21	system	system	NOUN
ajbmeb-2983	5	22	.	.	PUNCT
ajbmeb-2983	6	1	the	the	DET
ajbmeb-2983	6	2	level	level	NOUN
ajbmeb-2983	6	3	of	of	ADP
ajbmeb-2983	6	4	socio	socio	NOUN
ajbmeb-2983	6	5	-	-	PUNCT
ajbmeb-2983	6	6	economic	economic	ADJ
ajbmeb-2983	6	7	progress	progress	NOUN
ajbmeb-2983	6	8	and	and	CCONJ
ajbmeb-2983	6	9	future	future	ADJ
ajbmeb-2983	6	10	development	development	NOUN
ajbmeb-2983	6	11	of	of	ADP
ajbmeb-2983	6	12	each	each	DET
ajbmeb-2983	6	13	country	country	NOUN
ajbmeb-2983	6	14	depends	depend	VERB
ajbmeb-2983	6	15	,	,	PUNCT
ajbmeb-2983	6	16	first	first	ADV
ajbmeb-2983	6	17	of	of	ADP
ajbmeb-2983	6	18	all	all	PRON
ajbmeb-2983	6	19	,	,	PUNCT
ajbmeb-2983	6	20	on	on	ADP
ajbmeb-2983	6	21	the	the	DET
ajbmeb-2983	6	22	functioning	functioning	NOUN
ajbmeb-2983	6	23	of	of	ADP
ajbmeb-2983	6	24	the	the	DET
ajbmeb-2983	6	25	banksystem	banksystem	NOUN
ajbmeb-2983	6	26	that	that	PRON
ajbmeb-2983	6	27	has	have	AUX
ajbmeb-2983	6	28	been	be	AUX
ajbmeb-2983	6	29	built	build	VERB
ajbmeb-2983	6	30	and	and	CCONJ
ajbmeb-2983	6	31	regularly	regularly	ADV
ajbmeb-2983	6	32	upgraded	upgrade	VERB
ajbmeb-2983	6	33	in	in	ADP
ajbmeb-2983	6	34	that	that	DET
ajbmeb-2983	6	35	country	country	NOUN
ajbmeb-2983	6	36	.	.	PUNCT
ajbmeb-2983	7	1	effective	effective	ADJ
ajbmeb-2983	7	2	management	management	NOUN
ajbmeb-2983	7	3	of	of	ADP
ajbmeb-2983	7	4	commercial	commercial	ADJ
ajbmeb-2983	7	5	banks	bank	NOUN
ajbmeb-2983	7	6	'	'	PART
ajbmeb-2983	7	7	resources	resource	NOUN
ajbmeb-2983	7	8	plays	play	VERB
ajbmeb-2983	7	9	an	an	DET
ajbmeb-2983	7	10	important	important	ADJ
ajbmeb-2983	7	11	role	role	NOUN
ajbmeb-2983	7	12	in	in	ADP
ajbmeb-2983	7	13	increasing	increase	VERB
ajbmeb-2983	7	14	the	the	DET
ajbmeb-2983	7	15	volume	volume	NOUN
ajbmeb-2983	7	16	of	of	ADP
ajbmeb-2983	7	17	export	export	NOUN
ajbmeb-2983	7	18	-	-	PUNCT
ajbmeb-2983	7	19	oriented	orient	VERB
ajbmeb-2983	7	20	goods	good	NOUN
ajbmeb-2983	7	21	and	and	CCONJ
ajbmeb-2983	7	22	services	service	NOUN
ajbmeb-2983	7	23	in	in	ADP
ajbmeb-2983	7	24	the	the	DET
ajbmeb-2983	7	25	country	country	NOUN
ajbmeb-2983	7	26	,	,	PUNCT
ajbmeb-2983	7	27	ensuring	ensure	VERB
ajbmeb-2983	7	28	the	the	DET
ajbmeb-2983	7	29	liquidity	liquidity	NOUN
ajbmeb-2983	7	30	of	of	ADP
ajbmeb-2983	7	31	banks	bank	NOUN
ajbmeb-2983	7	32	and	and	CCONJ
ajbmeb-2983	7	33	increasing	increase	VERB
ajbmeb-2983	7	34	the	the	DET
ajbmeb-2983	7	35	stability	stability	NOUN
ajbmeb-2983	7	36	of	of	ADP
ajbmeb-2983	7	37	the	the	DET
ajbmeb-2983	7	38	national	national	ADJ
ajbmeb-2983	7	39	currency	currency	NOUN
ajbmeb-2983	7	40	,	,	PUNCT
ajbmeb-2983	7	41	strengthening	strengthen	VERB
ajbmeb-2983	7	42	public	public	ADJ
ajbmeb-2983	7	43	confidence	confidence	NOUN
ajbmeb-2983	7	44	in	in	ADP
ajbmeb-2983	7	45	the	the	DET
ajbmeb-2983	7	46	banksystem	banksystem	NOUN
ajbmeb-2983	7	47	.	.	PUNCT
ajbmeb-2983	8	1	during	during	ADP
ajbmeb-2983	8	2	the	the	DET
ajbmeb-2983	8	3	years	year	NOUN
ajbmeb-2983	8	4	of	of	ADP
ajbmeb-2983	8	5	independence	independence	NOUN
ajbmeb-2983	8	6	,	,	PUNCT
ajbmeb-2983	8	7	a	a	DET
ajbmeb-2983	8	8	two	two	NUM
ajbmeb-2983	8	9	-	-	PUNCT
ajbmeb-2983	8	10	tiered	tiere	VERB
ajbmeb-2983	8	11	perfect	perfect	ADJ
ajbmeb-2983	8	12	banksystemhas	banksystemhas	PROPN
ajbmeb-2983	8	13	been	be	AUX
ajbmeb-2983	8	14	developing	develop	VERB
ajbmeb-2983	8	15	and	and	CCONJ
ajbmeb-2983	8	16	great	great	ADJ
ajbmeb-2983	8	17	changes	change	NOUN
ajbmeb-2983	8	18	can	can	AUX
ajbmeb-2983	8	19	be	be	AUX
ajbmeb-2983	8	20	seen	see	VERB
ajbmeb-2983	8	21	in	in	ADP
ajbmeb-2983	8	22	types	type	NOUN
ajbmeb-2983	8	23	of	of	ADP
ajbmeb-2983	8	24	bank	bank	NOUN
ajbmeb-2983	8	25	services	service	NOUN
ajbmeb-2983	8	26	,	,	PUNCT
ajbmeb-2983	8	27	as	as	ADV
ajbmeb-2983	8	28	well	well	ADV
ajbmeb-2983	8	29	as	as	ADP
ajbmeb-2983	8	30	inrelations	inrelation	NOUN
ajbmeb-2983	8	31	with	with	ADP
ajbmeb-2983	8	32	foreign	foreign	ADJ
ajbmeb-2983	8	33	banks	bank	NOUN
ajbmeb-2983	8	34	cooperation	cooperation	NOUN
ajbmeb-2983	8	35	has	have	AUX
ajbmeb-2983	8	36	been	be	AUX
ajbmeb-2983	8	37	established	establish	VERB
ajbmeb-2983	8	38	and	and	CCONJ
ajbmeb-2983	8	39	improved	improve	VERB
ajbmeb-2983	8	40	.	.	PUNCT
ajbmeb-2983	9	1	however	however	ADV
ajbmeb-2983	9	2	,	,	PUNCT
ajbmeb-2983	9	3	some	some	DET
ajbmeb-2983	9	4	issues	issue	NOUN
ajbmeb-2983	9	5	related	relate	VERB
ajbmeb-2983	9	6	to	to	ADP
ajbmeb-2983	9	7	banks	bank	NOUN
ajbmeb-2983	9	8	'	'	PART
ajbmeb-2983	9	9	efficient	efficient	ADJ
ajbmeb-2983	9	10	use	use	NOUN
ajbmeb-2983	9	11	of	of	ADP
ajbmeb-2983	9	12	resources	resource	NOUN
ajbmeb-2983	9	13	and	and	CCONJ
ajbmeb-2983	9	14	expansion	expansion	NOUN
ajbmeb-2983	9	15	of	of	ADP
ajbmeb-2983	9	16	their	their	PRON
ajbmeb-2983	9	17	deposit	deposit	NOUN
ajbmeb-2983	9	18	base	base	NOUN
ajbmeb-2983	9	19	remain	remain	VERB
ajbmeb-2983	9	20	topical	topical	ADJ
ajbmeb-2983	9	21	.	.	PUNCT
ajbmeb-2983	10	1	as	as	ADP
ajbmeb-2983	10	2	a	a	DET
ajbmeb-2983	10	3	result	result	NOUN
ajbmeb-2983	10	4	of	of	ADP
ajbmeb-2983	10	5	the	the	DET
ajbmeb-2983	10	6	reforms	reform	NOUN
ajbmeb-2983	10	7	being	be	AUX
ajbmeb-2983	10	8	implemented	implement	VERB
ajbmeb-2983	10	9	in	in	ADP
ajbmeb-2983	10	10	our	our	PRON
ajbmeb-2983	10	11	country	country	NOUN
ajbmeb-2983	10	12	,	,	PUNCT
ajbmeb-2983	10	13	the	the	DET
ajbmeb-2983	10	14	banking	banking	NOUN
ajbmeb-2983	10	15	system	system	NOUN
ajbmeb-2983	10	16	of	of	ADP
ajbmeb-2983	10	17	our	our	PRON
ajbmeb-2983	10	18	republic	republic	NOUN
ajbmeb-2983	10	19	has	have	AUX
ajbmeb-2983	10	20	achieved	achieve	VERB
ajbmeb-2983	10	21	a	a	DET
ajbmeb-2983	10	22	number	number	NOUN
ajbmeb-2983	10	23	of	of	ADP
ajbmeb-2983	10	24	successes	success	NOUN
ajbmeb-2983	10	25	.	.	PUNCT
ajbmeb-2983	11	1	this	this	DET
ajbmeb-2983	11	2	situation	situation	NOUN
ajbmeb-2983	11	3	can	can	AUX
ajbmeb-2983	11	4	be	be	AUX
ajbmeb-2983	11	5	recognized	recognize	VERB
ajbmeb-2983	11	6	by	by	ADP
ajbmeb-2983	11	7	the	the	DET
ajbmeb-2983	11	8	high	high	ADJ
ajbmeb-2983	11	9	attention	attention	NOUN
ajbmeb-2983	11	10	given	give	VERB
ajbmeb-2983	11	11	to	to	ADP
ajbmeb-2983	11	12	the	the	DET
ajbmeb-2983	11	13	banking	banking	NOUN
ajbmeb-2983	11	14	system	system	NOUN
ajbmeb-2983	11	15	in	in	ADP
ajbmeb-2983	11	16	the	the	DET
ajbmeb-2983	11	17	decisions	decision	NOUN
ajbmeb-2983	11	18	and	and	CCONJ
ajbmeb-2983	11	19	decrees	decree	NOUN
ajbmeb-2983	11	20	adopted	adopt	VERB
ajbmeb-2983	11	21	by	by	ADP
ajbmeb-2983	11	22	our	our	PRON
ajbmeb-2983	11	23	government	government	NOUN
ajbmeb-2983	11	24	.	.	PUNCT
ajbmeb-2983	12	1	in	in	ADP
ajbmeb-2983	12	2	particular	particular	ADJ
ajbmeb-2983	12	3	,	,	PUNCT
ajbmeb-2983	12	4	in	in	ADP
ajbmeb-2983	12	5	the	the	DET
ajbmeb-2983	12	6	decree	decree	NOUN
ajbmeb-2983	12	7	of	of	ADP
ajbmeb-2983	12	8	the	the	DET
ajbmeb-2983	12	9	president	president	NOUN
ajbmeb-2983	12	10	of	of	ADP
ajbmeb-2983	12	11	the	the	DET
ajbmeb-2983	12	12	republic	republic	NOUN
ajbmeb-2983	12	13	of	of	ADP
ajbmeb-2983	12	14	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	12	15	"	"	PUNCT
ajbmeb-2983	12	16	on	on	ADP
ajbmeb-2983	12	17	the	the	DET
ajbmeb-2983	12	18	strategy	strategy	NOUN
ajbmeb-2983	12	19	‘	'	PUNCT
ajbmeb-2983	12	20	uzbekistan	uzbekistan	NOUN
ajbmeb-2983	12	21	—	—	PUNCT
ajbmeb-2983	12	22	2030	2030	NUM
ajbmeb-2983	12	23	’	'	PUNCT
ajbmeb-2983	12	24	"	"	PUNCT
ajbmeb-2983	12	25	,	,	PUNCT
ajbmeb-2983	12	26	special	special	ADJ
ajbmeb-2983	12	27	emphasis	emphasis	NOUN
ajbmeb-2983	12	28	is	be	AUX
ajbmeb-2983	12	29	placed	place	VERB
ajbmeb-2983	12	30	on	on	ADP
ajbmeb-2983	12	31	"	"	PUNCT
ajbmeb-2983	12	32	increasing	increase	VERB
ajbmeb-2983	12	33	the	the	DET
ajbmeb-2983	12	34	volume	volume	NOUN
ajbmeb-2983	12	35	of	of	ADP
ajbmeb-2983	12	36	bank	bank	NOUN
ajbmeb-2983	12	37	deposits	deposit	NOUN
ajbmeb-2983	12	38	fourfold	fourfold	ADV
ajbmeb-2983	12	39	,	,	PUNCT
ajbmeb-2983	12	40	"	"	PUNCT
ajbmeb-2983	12	41	where	where	SCONJ
ajbmeb-2983	12	42	the	the	DET
ajbmeb-2983	12	43	main	main	ADJ
ajbmeb-2983	12	44	goal	goal	NOUN
ajbmeb-2983	12	45	is	be	AUX
ajbmeb-2983	12	46	to	to	PART
ajbmeb-2983	12	47	accelerate	accelerate	VERB
ajbmeb-2983	12	48	reforms	reform	NOUN
ajbmeb-2983	12	49	in	in	ADP
ajbmeb-2983	12	50	the	the	DET
ajbmeb-2983	12	51	banking	banking	NOUN
ajbmeb-2983	12	52	system	system	NOUN
ajbmeb-2983	12	53	,	,	PUNCT
ajbmeb-2983	12	54	expand	expand	VERB
ajbmeb-2983	12	55	the	the	DET
ajbmeb-2983	12	56	market	market	NOUN
ajbmeb-2983	12	57	volume	volume	NOUN
ajbmeb-2983	12	58	of	of	ADP
ajbmeb-2983	12	59	banking	banking	NOUN
ajbmeb-2983	12	60	services	service	NOUN
ajbmeb-2983	12	61	,	,	PUNCT
ajbmeb-2983	12	62	and	and	CCONJ
ajbmeb-2983	12	63	develop	develop	VERB
ajbmeb-2983	12	64	competition	competition	NOUN
ajbmeb-2983	12	65	in	in	ADP
ajbmeb-2983	12	66	the	the	DET
ajbmeb-2983	12	67	sector[1	sector[1	NOUN
ajbmeb-2983	12	68	]	]	PUNCT
ajbmeb-2983	12	69	.	.	PUNCT
ajbmeb-2983	13	1	the	the	DET
ajbmeb-2983	13	2	efficiency	efficiency	NOUN
ajbmeb-2983	13	3	of	of	ADP
ajbmeb-2983	13	4	commercial	commercial	ADJ
ajbmeb-2983	13	5	banks	bank	NOUN
ajbmeb-2983	13	6	'	'	PART
ajbmeb-2983	13	7	lending	lending	NOUN
ajbmeb-2983	13	8	operations	operation	NOUN
ajbmeb-2983	13	9	can	can	AUX
ajbmeb-2983	13	10	be	be	AUX
ajbmeb-2983	13	11	ensured	ensure	VERB
ajbmeb-2983	13	12	through	through	ADP
ajbmeb-2983	13	13	the	the	DET
ajbmeb-2983	13	14	sustainability	sustainability	NOUN
ajbmeb-2983	13	15	of	of	ADP
ajbmeb-2983	13	16	their	their	PRON
ajbmeb-2983	13	17	attracted	attract	VERB
ajbmeb-2983	13	18	funds	fund	NOUN
ajbmeb-2983	13	19	.	.	PUNCT
ajbmeb-2983	14	1	strengthening	strengthen	VERB
ajbmeb-2983	14	2	the	the	DET
ajbmeb-2983	14	3	involvement	involvement	NOUN
ajbmeb-2983	14	4	of	of	ADP
ajbmeb-2983	14	5	commercial	commercial	ADJ
ajbmeb-2983	14	6	banks	bank	NOUN
ajbmeb-2983	14	7	in	in	ADP
ajbmeb-2983	14	8	the	the	DET
ajbmeb-2983	14	9	long	long	ADJ
ajbmeb-2983	14	10	-	-	PUNCT
ajbmeb-2983	14	11	term	term	NOUN
ajbmeb-2983	14	12	crediting	crediting	NOUN
ajbmeb-2983	14	13	process	process	NOUN
ajbmeb-2983	14	14	will	will	AUX
ajbmeb-2983	14	15	require	require	VERB
ajbmeb-2983	14	16	their	their	PRON
ajbmeb-2983	14	17	long	long	ADJ
ajbmeb-2983	14	18	-	-	PUNCT
ajbmeb-2983	14	19	term	term	NOUN
ajbmeb-2983	14	20	resource	resource	NOUN
ajbmeb-2983	14	21	base	base	NOUN
ajbmeb-2983	14	22	.	.	PUNCT
ajbmeb-2983	15	1	in	in	ADP
ajbmeb-2983	15	2	turn	turn	NOUN
ajbmeb-2983	15	3	,	,	PUNCT
ajbmeb-2983	15	4	the	the	DET
ajbmeb-2983	15	5	robustness	robustness	NOUN
ajbmeb-2983	15	6	of	of	ADP
ajbmeb-2983	15	7	the	the	DET
ajbmeb-2983	15	8	resource	resource	NOUN
ajbmeb-2983	15	9	base	base	NOUN
ajbmeb-2983	15	10	of	of	ADP
ajbmeb-2983	15	11	the	the	DET
ajbmeb-2983	15	12	banks	bank	NOUN
ajbmeb-2983	15	13	depends	depend	VERB
ajbmeb-2983	15	14	on	on	ADP
ajbmeb-2983	15	15	the	the	DET
ajbmeb-2983	15	16	growth	growth	NOUN
ajbmeb-2983	15	17	of	of	ADP
ajbmeb-2983	15	18	deposits	deposit	NOUN
ajbmeb-2983	15	19	of	of	ADP
ajbmeb-2983	15	20	legal	legal	ADJ
ajbmeb-2983	15	21	entities	entity	NOUN
ajbmeb-2983	15	22	and	and	CCONJ
ajbmeb-2983	15	23	population	population	NOUN
ajbmeb-2983	15	24	deposits	deposit	NOUN
ajbmeb-2983	15	25	,	,	PUNCT
ajbmeb-2983	15	26	ensuring	ensure	VERB
ajbmeb-2983	15	27	their	their	PRON
ajbmeb-2983	15	28	american	american	ADJ
ajbmeb-2983	15	29	journal	journal	PROPN
ajbmeb-2983	15	30	of	of	ADP
ajbmeb-2983	15	31	business	business	NOUN
ajbmeb-2983	15	32	management	management	NOUN
ajbmeb-2983	15	33	,	,	PUNCT
ajbmeb-2983	15	34	economics	economic	NOUN
ajbmeb-2983	15	35	and	and	CCONJ
ajbmeb-2983	15	36	banking	banking	NOUN
ajbmeb-2983	15	37	volume	volume	NOUN
ajbmeb-2983	15	38	37	37	NUM
ajbmeb-2983	15	39	june2025	june2025	PROPN
ajbmeb-2983	15	40	p	p	NOUN
ajbmeb-2983	15	41	a	a	DET
ajbmeb-2983	15	42	g	g	NOUN
ajbmeb-2983	15	43	e	e	NOUN
ajbmeb-2983	15	44	|	|	ADV
ajbmeb-2983	15	45	19	19	NUM
ajbmeb-2983	15	46	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	15	47	quantity	quantity	NOUN
ajbmeb-2983	15	48	and	and	CCONJ
ajbmeb-2983	15	49	timeliness	timeliness	NOUN
ajbmeb-2983	15	50	.	.	PUNCT
ajbmeb-2983	16	1	because	because	SCONJ
ajbmeb-2983	16	2	the	the	DET
ajbmeb-2983	16	3	share	share	NOUN
ajbmeb-2983	16	4	of	of	ADP
ajbmeb-2983	16	5	attracted	attract	VERB
ajbmeb-2983	16	6	funds	fund	NOUN
ajbmeb-2983	16	7	in	in	ADP
ajbmeb-2983	16	8	the	the	DET
ajbmeb-2983	16	9	structure	structure	NOUN
ajbmeb-2983	16	10	of	of	ADP
ajbmeb-2983	16	11	commercial	commercial	ADJ
ajbmeb-2983	16	12	banks	bank	NOUN
ajbmeb-2983	16	13	'	'	PART
ajbmeb-2983	16	14	resources	resource	NOUN
ajbmeb-2983	16	15	is	be	AUX
ajbmeb-2983	16	16	very	very	ADV
ajbmeb-2983	16	17	high	high	ADJ
ajbmeb-2983	16	18	and	and	CCONJ
ajbmeb-2983	16	19	their	their	PRON
ajbmeb-2983	16	20	share	share	NOUN
ajbmeb-2983	16	21	is	be	AUX
ajbmeb-2983	16	22	70	70	NUM
ajbmeb-2983	16	23	-	-	SYM
ajbmeb-2983	16	24	80	80	NUM
ajbmeb-2983	16	25	%	%	NOUN
ajbmeb-2983	16	26	[	[	X
ajbmeb-2983	16	27	3	3	NUM
ajbmeb-2983	16	28	]	]	PUNCT
ajbmeb-2983	16	29	.	.	PUNCT
ajbmeb-2983	17	1	in	in	ADP
ajbmeb-2983	17	2	its	its	PRON
ajbmeb-2983	17	3	turn	turn	NOUN
ajbmeb-2983	17	4	,	,	PUNCT
ajbmeb-2983	17	5	ensuring	ensure	VERB
ajbmeb-2983	17	6	the	the	DET
ajbmeb-2983	17	7	role	role	NOUN
ajbmeb-2983	17	8	of	of	ADP
ajbmeb-2983	17	9	commercial	commercial	ADJ
ajbmeb-2983	17	10	banks	bank	NOUN
ajbmeb-2983	17	11	in	in	ADP
ajbmeb-2983	17	12	the	the	DET
ajbmeb-2983	17	13	sustainable	sustainable	ADJ
ajbmeb-2983	17	14	development	development	NOUN
ajbmeb-2983	17	15	of	of	ADP
ajbmeb-2983	17	16	the	the	DET
ajbmeb-2983	17	17	country	country	NOUN
ajbmeb-2983	17	18	's	's	PART
ajbmeb-2983	17	19	economy	economy	NOUN
ajbmeb-2983	17	20	,	,	PUNCT
ajbmeb-2983	17	21	increasing	increase	VERB
ajbmeb-2983	17	22	its	its	PRON
ajbmeb-2983	17	23	activity	activity	NOUN
ajbmeb-2983	17	24	in	in	ADP
ajbmeb-2983	17	25	investment	investment	NOUN
ajbmeb-2983	17	26	financing	financing	NOUN
ajbmeb-2983	17	27	is	be	AUX
ajbmeb-2983	17	28	directly	directly	ADV
ajbmeb-2983	17	29	linked	link	VERB
ajbmeb-2983	17	30	to	to	ADP
ajbmeb-2983	17	31	the	the	DET
ajbmeb-2983	17	32	formation	formation	NOUN
ajbmeb-2983	17	33	and	and	CCONJ
ajbmeb-2983	17	34	expansion	expansion	NOUN
ajbmeb-2983	17	35	of	of	ADP
ajbmeb-2983	17	36	their	their	PRON
ajbmeb-2983	17	37	long	long	ADJ
ajbmeb-2983	17	38	-	-	PUNCT
ajbmeb-2983	17	39	term	term	NOUN
ajbmeb-2983	17	40	resource	resource	NOUN
ajbmeb-2983	17	41	base	base	NOUN
ajbmeb-2983	17	42	.	.	PUNCT
ajbmeb-2983	18	1	the	the	DET
ajbmeb-2983	18	2	ultimate	ultimate	ADJ
ajbmeb-2983	18	3	goal	goal	NOUN
ajbmeb-2983	18	4	of	of	ADP
ajbmeb-2983	18	5	cardinal	cardinal	ADJ
ajbmeb-2983	18	6	reforms	reform	NOUN
ajbmeb-2983	18	7	in	in	ADP
ajbmeb-2983	18	8	the	the	DET
ajbmeb-2983	18	9	bankand	bankand	NOUN
ajbmeb-2983	18	10	financial	financial	ADJ
ajbmeb-2983	18	11	system	system	NOUN
ajbmeb-2983	18	12	of	of	ADP
ajbmeb-2983	18	13	the	the	DET
ajbmeb-2983	18	14	country	country	NOUN
ajbmeb-2983	18	15	is	be	AUX
ajbmeb-2983	18	16	to	to	PART
ajbmeb-2983	18	17	strengthen	strengthen	VERB
ajbmeb-2983	18	18	the	the	DET
ajbmeb-2983	18	19	resource	resource	NOUN
ajbmeb-2983	18	20	base	base	NOUN
ajbmeb-2983	18	21	of	of	ADP
ajbmeb-2983	18	22	commercial	commercial	ADJ
ajbmeb-2983	18	23	banks	bank	NOUN
ajbmeb-2983	18	24	of	of	ADP
ajbmeb-2983	18	25	the	the	DET
ajbmeb-2983	18	26	republic	republic	NOUN
ajbmeb-2983	18	27	,	,	PUNCT
ajbmeb-2983	18	28	to	to	PART
ajbmeb-2983	18	29	increase	increase	VERB
ajbmeb-2983	18	30	the	the	DET
ajbmeb-2983	18	31	trust	trust	NOUN
ajbmeb-2983	18	32	of	of	ADP
ajbmeb-2983	18	33	business	business	NOUN
ajbmeb-2983	18	34	entities	entity	NOUN
ajbmeb-2983	18	35	and	and	CCONJ
ajbmeb-2983	18	36	population	population	NOUN
ajbmeb-2983	18	37	in	in	ADP
ajbmeb-2983	18	38	the	the	DET
ajbmeb-2983	18	39	banksystem	banksystem	NOUN
ajbmeb-2983	18	40	.	.	PUNCT
ajbmeb-2983	19	1	based	base	VERB
ajbmeb-2983	19	2	on	on	ADP
ajbmeb-2983	19	3	this	this	PRON
ajbmeb-2983	19	4	,	,	PUNCT
ajbmeb-2983	19	5	the	the	DET
ajbmeb-2983	19	6	"	"	PUNCT
ajbmeb-2983	19	7	strategy	strategy	NOUN
ajbmeb-2983	19	8	for	for	ADP
ajbmeb-2983	19	9	further	further	ADJ
ajbmeb-2983	19	10	development	development	NOUN
ajbmeb-2983	19	11	of	of	ADP
ajbmeb-2983	19	12	the	the	DET
ajbmeb-2983	19	13	republic	republic	NOUN
ajbmeb-2983	19	14	of	of	ADP
ajbmeb-2983	19	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	19	16	"	"	PUNCT
ajbmeb-2983	19	17	,	,	PUNCT
ajbmeb-2983	19	18	approved	approve	VERB
ajbmeb-2983	19	19	by	by	ADP
ajbmeb-2983	19	20	the	the	DET
ajbmeb-2983	19	21	decree	decree	NOUN
ajbmeb-2983	19	22	of	of	ADP
ajbmeb-2983	19	23	the	the	DET
ajbmeb-2983	19	24	president	president	NOUN
ajbmeb-2983	19	25	of	of	ADP
ajbmeb-2983	19	26	the	the	DET
ajbmeb-2983	19	27	republic	republic	NOUN
ajbmeb-2983	19	28	of	of	ADP
ajbmeb-2983	19	29	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	19	30	dated	date	VERB
ajbmeb-2983	19	31	february	february	PROPN
ajbmeb-2983	19	32	7	7	NUM
ajbmeb-2983	19	33	,	,	PUNCT
ajbmeb-2983	19	34	2017	2017	NUM
ajbmeb-2983	19	35	,	,	PUNCT
ajbmeb-2983	19	36	nfp-4947	nfp-4947	NOUN
ajbmeb-2983	19	37	,	,	PUNCT
ajbmeb-2983	19	38	sets	set	VERB
ajbmeb-2983	19	39	out	out	ADP
ajbmeb-2983	19	40	the	the	DET
ajbmeb-2983	19	41	tasks	task	NOUN
ajbmeb-2983	19	42	of	of	ADP
ajbmeb-2983	19	43	deepening	deepen	VERB
ajbmeb-2983	19	44	the	the	DET
ajbmeb-2983	19	45	reform	reform	NOUN
ajbmeb-2983	19	46	of	of	ADP
ajbmeb-2983	19	47	the	the	DET
ajbmeb-2983	19	48	banksystem	banksystem	NOUN
ajbmeb-2983	19	49	,	,	PUNCT
ajbmeb-2983	19	50	increasing	increase	VERB
ajbmeb-2983	19	51	the	the	DET
ajbmeb-2983	19	52	deposit	deposit	NOUN
ajbmeb-2983	19	53	base	base	NOUN
ajbmeb-2983	19	54	,	,	PUNCT
ajbmeb-2983	19	55	strengthening	strengthen	VERB
ajbmeb-2983	19	56	its	its	PRON
ajbmeb-2983	19	57	financial	financial	ADJ
ajbmeb-2983	19	58	stability	stability	NOUN
ajbmeb-2983	19	59	and	and	CCONJ
ajbmeb-2983	19	60	reliability	reliability	NOUN
ajbmeb-2983	19	61	[	[	X
ajbmeb-2983	19	62	2	2	X
ajbmeb-2983	19	63	]	]	PUNCT
ajbmeb-2983	19	64	the	the	DET
ajbmeb-2983	19	65	relevance	relevance	NOUN
ajbmeb-2983	19	66	of	of	ADP
ajbmeb-2983	19	67	the	the	DET
ajbmeb-2983	19	68	subject	subject	NOUN
ajbmeb-2983	19	69	.	.	PUNCT
ajbmeb-2983	20	1	analysis	analysis	NOUN
ajbmeb-2983	20	2	of	of	ADP
ajbmeb-2983	20	3	topic	topic	NOUN
ajbmeb-2983	20	4	material	material	NOUN
ajbmeb-2983	20	5	deposit	deposit	NOUN
ajbmeb-2983	20	6	is	be	AUX
ajbmeb-2983	20	7	the	the	DET
ajbmeb-2983	20	8	amount	amount	NOUN
ajbmeb-2983	20	9	of	of	ADP
ajbmeb-2983	20	10	money	money	NOUN
ajbmeb-2983	20	11	in	in	ADP
ajbmeb-2983	20	12	national	national	ADJ
ajbmeb-2983	20	13	or	or	CCONJ
ajbmeb-2983	20	14	foreign	foreign	ADJ
ajbmeb-2983	20	15	currency	currency	NOUN
ajbmeb-2983	20	16	,	,	PUNCT
ajbmeb-2983	20	17	upon	upon	SCONJ
ajbmeb-2983	20	18	request	request	NOUN
ajbmeb-2983	20	19	or	or	CCONJ
ajbmeb-2983	20	20	with	with	ADP
ajbmeb-2983	20	21	the	the	DET
ajbmeb-2983	20	22	payer	payer	NOUN
ajbmeb-2983	20	23	,	,	PUNCT
ajbmeb-2983	20	24	on	on	ADP
ajbmeb-2983	20	25	the	the	DET
ajbmeb-2983	20	26	terms	term	NOUN
ajbmeb-2983	20	27	agreed	agree	VERB
ajbmeb-2983	20	28	upon	upon	SCONJ
ajbmeb-2983	20	29	by	by	ADP
ajbmeb-2983	20	30	the	the	DET
ajbmeb-2983	20	31	payer	payer	NOUN
ajbmeb-2983	20	32	or	or	CCONJ
ajbmeb-2983	20	33	their	their	PRON
ajbmeb-2983	20	34	legal	legal	ADJ
ajbmeb-2983	20	35	representatives	representative	NOUN
ajbmeb-2983	20	36	,	,	PUNCT
ajbmeb-2983	20	37	with	with	ADP
ajbmeb-2983	20	38	the	the	DET
ajbmeb-2983	20	39	payment	payment	NOUN
ajbmeb-2983	20	40	of	of	ADP
ajbmeb-2983	20	41	interest	interest	NOUN
ajbmeb-2983	20	42	or	or	CCONJ
ajbmeb-2983	20	43	without	without	ADP
ajbmeb-2983	20	44	such	such	ADJ
ajbmeb-2983	20	45	payment	payment	NOUN
ajbmeb-2983	20	46	.	.	PUNCT
ajbmeb-2983	21	1	with	with	ADP
ajbmeb-2983	21	2	the	the	DET
ajbmeb-2983	21	3	rapid	rapid	ADJ
ajbmeb-2983	21	4	development	development	NOUN
ajbmeb-2983	21	5	of	of	ADP
ajbmeb-2983	21	6	science	science	NOUN
ajbmeb-2983	21	7	and	and	CCONJ
ajbmeb-2983	21	8	technology	technology	NOUN
ajbmeb-2983	21	9	,	,	PUNCT
ajbmeb-2983	21	10	the	the	DET
ajbmeb-2983	21	11	attention	attention	NOUN
ajbmeb-2983	21	12	to	to	ADP
ajbmeb-2983	21	13	commercial	commercial	ADJ
ajbmeb-2983	21	14	banks	bank	NOUN
ajbmeb-2983	21	15	'	'	PART
ajbmeb-2983	21	16	deposit	deposit	NOUN
ajbmeb-2983	21	17	operations	operation	NOUN
ajbmeb-2983	21	18	is	be	AUX
ajbmeb-2983	21	19	rising	rise	VERB
ajbmeb-2983	21	20	.	.	PUNCT
ajbmeb-2983	22	1	deposit	deposit	NOUN
ajbmeb-2983	22	2	operations	operation	NOUN
ajbmeb-2983	22	3	of	of	ADP
ajbmeb-2983	22	4	commercial	commercial	ADJ
ajbmeb-2983	22	5	banks	bank	NOUN
ajbmeb-2983	22	6	have	have	AUX
ajbmeb-2983	22	7	been	be	AUX
ajbmeb-2983	22	8	studied	study	VERB
ajbmeb-2983	22	9	by	by	ADP
ajbmeb-2983	22	10	many	many	ADJ
ajbmeb-2983	22	11	foreign	foreign	ADJ
ajbmeb-2983	22	12	and	and	CCONJ
ajbmeb-2983	22	13	domestic	domestic	ADJ
ajbmeb-2983	22	14	economists	economist	NOUN
ajbmeb-2983	22	15	.	.	PUNCT
ajbmeb-2983	23	1	in	in	ADP
ajbmeb-2983	23	2	particular	particular	ADJ
ajbmeb-2983	23	3	,	,	PUNCT
ajbmeb-2983	23	4	foreign	foreign	ADJ
ajbmeb-2983	23	5	economist	economist	NOUN
ajbmeb-2983	23	6	e.f.jukova	e.f.jukova	NOUN
ajbmeb-2983	23	7	and	and	CCONJ
ajbmeb-2983	23	8	n.d.eirevillis	n.d.eirevilli	NOUN
ajbmeb-2983	23	9	say	say	VERB
ajbmeb-2983	23	10	that	that	SCONJ
ajbmeb-2983	23	11	in	in	ADP
ajbmeb-2983	23	12	most	most	ADJ
ajbmeb-2983	23	13	banks	bank	NOUN
ajbmeb-2983	23	14	the	the	DET
ajbmeb-2983	23	15	majority	majority	NOUN
ajbmeb-2983	23	16	of	of	ADP
ajbmeb-2983	23	17	borrowed	borrow	VERB
ajbmeb-2983	23	18	funds	fund	NOUN
ajbmeb-2983	23	19	are	be	AUX
ajbmeb-2983	23	20	deposits	deposit	NOUN
ajbmeb-2983	23	21	.	.	PUNCT
ajbmeb-2983	24	1	in	in	ADP
ajbmeb-2983	24	2	the	the	DET
ajbmeb-2983	24	3	bankpractice	bankpractice	NOUN
ajbmeb-2983	24	4	,	,	PUNCT
ajbmeb-2983	24	5	the	the	DET
ajbmeb-2983	24	6	term	term	NOUN
ajbmeb-2983	24	7	"	"	PUNCT
ajbmeb-2983	24	8	deposit	deposit	NOUN
ajbmeb-2983	24	9	"	"	PUNCT
ajbmeb-2983	24	10	is	be	AUX
ajbmeb-2983	24	11	first	first	ADJ
ajbmeb-2983	24	12	and	and	CCONJ
ajbmeb-2983	24	13	foremost	foremost	ADV
ajbmeb-2983	24	14	entrusted	entrust	VERB
ajbmeb-2983	24	15	to	to	ADP
ajbmeb-2983	24	16	individuals	individual	NOUN
ajbmeb-2983	24	17	by	by	ADP
ajbmeb-2983	24	18	physical	physical	ADJ
ajbmeb-2983	24	19	persons	person	NOUN
ajbmeb-2983	24	20	and	and	CCONJ
ajbmeb-2983	24	21	legal	legal	ADJ
ajbmeb-2983	24	22	entities	entity	NOUN
ajbmeb-2983	24	23	in	in	ADP
ajbmeb-2983	24	24	accordance	accordance	NOUN
ajbmeb-2983	24	25	with	with	ADP
ajbmeb-2983	24	26	the	the	DET
ajbmeb-2983	24	27	terms	term	NOUN
ajbmeb-2983	24	28	of	of	ADP
ajbmeb-2983	24	29	the	the	DET
ajbmeb-2983	24	30	bank	bank	NOUN
ajbmeb-2983	24	31	deposit	deposit	NOUN
ajbmeb-2983	24	32	agreement	agreement	NOUN
ajbmeb-2983	24	33	and	and	CCONJ
ajbmeb-2983	24	34	,	,	PUNCT
ajbmeb-2983	24	35	secondly	secondly	ADV
ajbmeb-2983	24	36	,	,	PUNCT
ajbmeb-2983	24	37	to	to	ADP
ajbmeb-2983	24	38	the	the	DET
ajbmeb-2983	24	39	bank	bank	NOUN
ajbmeb-2983	24	40	entries	entry	NOUN
ajbmeb-2983	24	41	,	,	PUNCT
ajbmeb-2983	24	42	which	which	PRON
ajbmeb-2983	24	43	confirm	confirm	VERB
ajbmeb-2983	24	44	the	the	DET
ajbmeb-2983	24	45	monetary	monetary	ADJ
ajbmeb-2983	24	46	claims	claim	NOUN
ajbmeb-2983	24	47	of	of	ADP
ajbmeb-2983	24	48	bank	bank	NOUN
ajbmeb-2983	24	49	depositors	depositor	NOUN
ajbmeb-2983	24	50	[	[	X
ajbmeb-2983	24	51	5	5	NUM
ajbmeb-2983	24	52	]	]	PUNCT
ajbmeb-2983	24	53	.	.	PUNCT
ajbmeb-2983	25	1	also	also	ADV
ajbmeb-2983	25	2	,	,	PUNCT
ajbmeb-2983	25	3	n.m.rozanova	n.m.rozanova	PROPN
ajbmeb-2983	25	4	,	,	PUNCT
ajbmeb-2983	25	5	another	another	DET
ajbmeb-2983	25	6	economist	economist	NOUN
ajbmeb-2983	25	7	,	,	PUNCT
ajbmeb-2983	25	8	says	say	VERB
ajbmeb-2983	25	9	:	:	PUNCT
ajbmeb-2983	25	10	"	"	PUNCT
ajbmeb-2983	25	11	deposits	deposit	NOUN
ajbmeb-2983	25	12	or	or	CCONJ
ajbmeb-2983	25	13	savings	saving	NOUN
ajbmeb-2983	25	14	make	make	VERB
ajbmeb-2983	25	15	up	up	ADP
ajbmeb-2983	25	16	a	a	DET
ajbmeb-2983	25	17	large	large	ADJ
ajbmeb-2983	25	18	part	part	NOUN
ajbmeb-2983	25	19	of	of	ADP
ajbmeb-2983	25	20	bank	bank	NOUN
ajbmeb-2983	25	21	liabilities	liability	NOUN
ajbmeb-2983	25	22	.	.	PUNCT
ajbmeb-2983	26	1	deposits	deposit	NOUN
ajbmeb-2983	26	2	are	be	AUX
ajbmeb-2983	26	3	understood	understand	VERB
ajbmeb-2983	26	4	to	to	PART
ajbmeb-2983	26	5	be	be	AUX
ajbmeb-2983	26	6	money	money	NOUN
ajbmeb-2983	26	7	from	from	ADP
ajbmeb-2983	26	8	the	the	DET
ajbmeb-2983	26	9	population	population	NOUN
ajbmeb-2983	26	10	and	and	CCONJ
ajbmeb-2983	26	11	firms	firm	NOUN
ajbmeb-2983	26	12	that	that	PRON
ajbmeb-2983	26	13	are	be	AUX
ajbmeb-2983	26	14	transferred	transfer	VERB
ajbmeb-2983	26	15	to	to	ADP
ajbmeb-2983	26	16	a	a	DET
ajbmeb-2983	26	17	bank	bank	NOUN
ajbmeb-2983	26	18	account	account	NOUN
ajbmeb-2983	26	19	in	in	ADP
ajbmeb-2983	26	20	certain	certain	ADJ
ajbmeb-2983	26	21	circumstances	circumstance	NOUN
ajbmeb-2983	26	22	and	and	CCONJ
ajbmeb-2983	26	23	at	at	ADP
ajbmeb-2983	26	24	a	a	DET
ajbmeb-2983	26	25	specified	specified	ADJ
ajbmeb-2983	26	26	time".[6	time".[6	NOUN
ajbmeb-2983	26	27	]	]	PUNCT
ajbmeb-2983	26	28	the	the	DET
ajbmeb-2983	26	29	uzbek	uzbek	PROPN
ajbmeb-2983	26	30	scientist	scientist	NOUN
ajbmeb-2983	26	31	u.azizov	u.azizov	PROPN
ajbmeb-2983	26	32	noted	note	VERB
ajbmeb-2983	26	33	that	that	SCONJ
ajbmeb-2983	26	34	the	the	DET
ajbmeb-2983	26	35	procedure	procedure	NOUN
ajbmeb-2983	26	36	for	for	ADP
ajbmeb-2983	26	37	the	the	DET
ajbmeb-2983	26	38	creation	creation	NOUN
ajbmeb-2983	26	39	of	of	ADP
ajbmeb-2983	26	40	mandatory	mandatory	ADJ
ajbmeb-2983	26	41	reserves	reserve	NOUN
ajbmeb-2983	26	42	in	in	ADP
ajbmeb-2983	26	43	national	national	ADJ
ajbmeb-2983	26	44	currency	currency	NOUN
ajbmeb-2983	26	45	,	,	PUNCT
ajbmeb-2983	26	46	regardless	regardless	ADV
ajbmeb-2983	26	47	of	of	ADP
ajbmeb-2983	26	48	the	the	DET
ajbmeb-2983	26	49	currency	currency	NOUN
ajbmeb-2983	26	50	of	of	ADP
ajbmeb-2983	26	51	attracted	attract	VERB
ajbmeb-2983	26	52	funds	fund	NOUN
ajbmeb-2983	26	53	by	by	ADP
ajbmeb-2983	26	54	commercial	commercial	ADJ
ajbmeb-2983	26	55	banks	bank	NOUN
ajbmeb-2983	26	56	,	,	PUNCT
ajbmeb-2983	26	57	the	the	DET
ajbmeb-2983	26	58	rates	rate	NOUN
ajbmeb-2983	26	59	for	for	ADP
ajbmeb-2983	26	60	legal	legal	ADJ
ajbmeb-2983	26	61	entities	entity	NOUN
ajbmeb-2983	26	62	and	and	CCONJ
ajbmeb-2983	26	63	individuals	individual	NOUN
ajbmeb-2983	26	64	are	be	AUX
ajbmeb-2983	26	65	unified	unified	ADJ
ajbmeb-2983	26	66	,	,	PUNCT
ajbmeb-2983	26	67	the	the	DET
ajbmeb-2983	26	68	reduction	reduction	NOUN
ajbmeb-2983	26	69	of	of	ADP
ajbmeb-2983	26	70	charter	charter	NOUN
ajbmeb-2983	26	71	capital	capital	NOUN
ajbmeb-2983	26	72	requirements	requirement	NOUN
ajbmeb-2983	26	73	of	of	ADP
ajbmeb-2983	26	74	legal	legal	ADJ
ajbmeb-2983	26	75	entities	entity	NOUN
ajbmeb-2983	26	76	in	in	ADP
ajbmeb-2983	26	77	national	national	ADJ
ajbmeb-2983	26	78	currency	currency	NOUN
ajbmeb-2983	26	79	,	,	PUNCT
ajbmeb-2983	26	80	high	high	ADJ
ajbmeb-2983	26	81	rates	rate	NOUN
ajbmeb-2983	26	82	of	of	ADP
ajbmeb-2983	26	83	deposits	deposit	NOUN
ajbmeb-2983	26	84	in	in	ADP
ajbmeb-2983	26	85	foreign	foreign	ADJ
ajbmeb-2983	26	86	currency	currency	NOUN
ajbmeb-2983	26	87	that	that	PRON
ajbmeb-2983	26	88	is	be	AUX
ajbmeb-2983	26	89	to	to	PART
ajbmeb-2983	26	90	increase	increase	VERB
ajbmeb-2983	26	91	the	the	DET
ajbmeb-2983	26	92	attractiveness	attractiveness	NOUN
ajbmeb-2983	26	93	of	of	ADP
ajbmeb-2983	26	94	deposits	deposit	NOUN
ajbmeb-2983	26	95	in	in	ADP
ajbmeb-2983	26	96	national	national	ADJ
ajbmeb-2983	26	97	currency	currency	NOUN
ajbmeb-2983	26	98	,	,	PUNCT
ajbmeb-2983	26	99	reduce	reduce	VERB
ajbmeb-2983	26	100	the	the	DET
ajbmeb-2983	26	101	level	level	NOUN
ajbmeb-2983	26	102	of	of	ADP
ajbmeb-2983	26	103	dollarization	dollarization	NOUN
ajbmeb-2983	26	104	of	of	ADP
ajbmeb-2983	26	105	the	the	DET
ajbmeb-2983	26	106	economy	economy	NOUN
ajbmeb-2983	26	107	and	and	CCONJ
ajbmeb-2983	26	108	liquidity	liquidity	NOUN
ajbmeb-2983	26	109	of	of	ADP
ajbmeb-2983	26	110	the	the	DET
ajbmeb-2983	26	111	bank	bank	NOUN
ajbmeb-2983	26	112	system.[7	system.[7	NOUN
ajbmeb-2983	26	113	]	]	PUNCT
ajbmeb-2983	26	114	it	it	PRON
ajbmeb-2983	26	115	is	be	AUX
ajbmeb-2983	26	116	possible	possible	ADJ
ajbmeb-2983	26	117	to	to	PART
ajbmeb-2983	26	118	conclude	conclude	VERB
ajbmeb-2983	26	119	that	that	SCONJ
ajbmeb-2983	26	120	deposits	deposit	NOUN
ajbmeb-2983	26	121	and	and	CCONJ
ajbmeb-2983	26	122	savings	saving	NOUN
ajbmeb-2983	26	123	will	will	AUX
ajbmeb-2983	26	124	contribute	contribute	VERB
ajbmeb-2983	26	125	to	to	ADP
ajbmeb-2983	26	126	the	the	DET
ajbmeb-2983	26	127	effective	effective	ADJ
ajbmeb-2983	26	128	implementation	implementation	NOUN
ajbmeb-2983	26	129	of	of	ADP
ajbmeb-2983	26	130	monetary	monetary	ADJ
ajbmeb-2983	26	131	policy	policy	NOUN
ajbmeb-2983	26	132	.	.	PUNCT
ajbmeb-2983	27	1	this	this	PRON
ajbmeb-2983	27	2	,	,	PUNCT
ajbmeb-2983	27	3	in	in	ADP
ajbmeb-2983	27	4	turn	turn	NOUN
ajbmeb-2983	27	5	,	,	PUNCT
ajbmeb-2983	27	6	is	be	AUX
ajbmeb-2983	27	7	an	an	DET
ajbmeb-2983	27	8	important	important	ADJ
ajbmeb-2983	27	9	part	part	NOUN
ajbmeb-2983	27	10	of	of	ADP
ajbmeb-2983	27	11	the	the	DET
ajbmeb-2983	27	12	macroeconomic	macroeconomic	ADJ
ajbmeb-2983	27	13	policy	policy	NOUN
ajbmeb-2983	27	14	that	that	PRON
ajbmeb-2983	27	15	affects	affect	VERB
ajbmeb-2983	27	16	the	the	DET
ajbmeb-2983	27	17	economic	economic	ADJ
ajbmeb-2983	27	18	growth	growth	NOUN
ajbmeb-2983	27	19	in	in	ADP
ajbmeb-2983	27	20	the	the	DET
ajbmeb-2983	27	21	country	country	NOUN
ajbmeb-2983	27	22	.	.	PUNCT
ajbmeb-2983	28	1	according	accord	VERB
ajbmeb-2983	28	2	to	to	ADP
ajbmeb-2983	28	3	professor	professor	NOUN
ajbmeb-2983	28	4	sh.z.abdullayeva	sh.z.abdullayeva	VERB
ajbmeb-2983	28	5	,	,	PUNCT
ajbmeb-2983	28	6	in	in	ADP
ajbmeb-2983	28	7	world	world	NOUN
ajbmeb-2983	28	8	practice	practice	NOUN
ajbmeb-2983	28	9	,	,	PUNCT
ajbmeb-2983	28	10	the	the	DET
ajbmeb-2983	28	11	term	term	NOUN
ajbmeb-2983	28	12	"	"	PUNCT
ajbmeb-2983	28	13	deposit	deposit	NOUN
ajbmeb-2983	28	14	"	"	PUNCT
ajbmeb-2983	28	15	is	be	AUX
ajbmeb-2983	28	16	used	use	VERB
ajbmeb-2983	28	17	for	for	ADP
ajbmeb-2983	28	18	payment	payment	NOUN
ajbmeb-2983	28	19	of	of	ADP
ajbmeb-2983	28	20	customs	custom	NOUN
ajbmeb-2983	28	21	duties	duty	NOUN
ajbmeb-2983	28	22	,	,	PUNCT
ajbmeb-2983	28	23	taxes	taxis	NOUN
ajbmeb-2983	28	24	,	,	PUNCT
ajbmeb-2983	28	25	and	and	CCONJ
ajbmeb-2983	28	26	not	not	PART
ajbmeb-2983	28	27	only	only	ADV
ajbmeb-2983	28	28	bank	bank	NOUN
ajbmeb-2983	28	29	deposits	deposit	NOUN
ajbmeb-2983	28	30	,	,	PUNCT
ajbmeb-2983	28	31	but	but	CCONJ
ajbmeb-2983	28	32	also	also	ADV
ajbmeb-2983	28	33	money	money	NOUN
ajbmeb-2983	28	34	or	or	CCONJ
ajbmeb-2983	28	35	securities	security	NOUN
ajbmeb-2983	28	36	issued	issue	VERB
ajbmeb-2983	28	37	to	to	ADP
ajbmeb-2983	28	38	the	the	DET
ajbmeb-2983	28	39	financialcredit	financialcredit	NOUN
ajbmeb-2983	28	40	or	or	CCONJ
ajbmeb-2983	28	41	bank	bank	NOUN
ajbmeb-2983	28	42	institution	institution	NOUN
ajbmeb-2983	28	43	for	for	ADP
ajbmeb-2983	28	44	storage	storage	NOUN
ajbmeb-2983	28	45	and	and	CCONJ
ajbmeb-2983	28	46	the	the	DET
ajbmeb-2983	28	47	benefits	benefit	NOUN
ajbmeb-2983	28	48	are	be	AUX
ajbmeb-2983	28	49	also	also	ADV
ajbmeb-2983	28	50	understood.[8	understood.[8	NOUN
ajbmeb-2983	28	51	]	]	PUNCT
ajbmeb-2983	28	52	professor	professor	NOUN
ajbmeb-2983	28	53	a.a.omonov	a.a.omonov	PROPN
ajbmeb-2983	28	54	noted	note	VERB
ajbmeb-2983	28	55	in	in	ADP
ajbmeb-2983	28	56	his	his	PRON
ajbmeb-2983	28	57	researches	research	NOUN
ajbmeb-2983	28	58	that	that	SCONJ
ajbmeb-2983	28	59	it	it	PRON
ajbmeb-2983	28	60	is	be	AUX
ajbmeb-2983	28	61	expedient	expedient	ADJ
ajbmeb-2983	28	62	to	to	PART
ajbmeb-2983	28	63	plan	plan	VERB
ajbmeb-2983	28	64	strategic	strategic	ADJ
ajbmeb-2983	28	65	planning	planning	NOUN
ajbmeb-2983	28	66	at	at	ADV
ajbmeb-2983	28	67	least	least	ADV
ajbmeb-2983	28	68	one	one	NUM
ajbmeb-2983	28	69	to	to	PART
ajbmeb-2983	28	70	ten	ten	NUM
ajbmeb-2983	28	71	years	year	NOUN
ajbmeb-2983	28	72	in	in	ADP
ajbmeb-2983	28	73	managing	manage	VERB
ajbmeb-2983	28	74	bank	bank	NOUN
ajbmeb-2983	28	75	resources	resource	NOUN
ajbmeb-2983	28	76	.	.	PUNCT
ajbmeb-2983	29	1	it	it	PRON
ajbmeb-2983	29	2	is	be	AUX
ajbmeb-2983	29	3	emphasized	emphasize	VERB
ajbmeb-2983	29	4	that	that	SCONJ
ajbmeb-2983	29	5	the	the	DET
ajbmeb-2983	29	6	focus	focus	NOUN
ajbmeb-2983	29	7	is	be	AUX
ajbmeb-2983	29	8	on	on	ADP
ajbmeb-2983	29	9	balancing	balance	VERB
ajbmeb-2983	29	10	resources	resource	NOUN
ajbmeb-2983	29	11	and	and	CCONJ
ajbmeb-2983	29	12	allocating	allocate	VERB
ajbmeb-2983	29	13	resources	resource	NOUN
ajbmeb-2983	29	14	over	over	ADP
ajbmeb-2983	29	15	time	time	NOUN
ajbmeb-2983	29	16	,	,	PUNCT
ajbmeb-2983	29	17	forming	form	VERB
ajbmeb-2983	29	18	a	a	DET
ajbmeb-2983	29	19	financially	financially	ADV
ajbmeb-2983	29	20	stable	stable	ADJ
ajbmeb-2983	29	21	client	client	NOUN
ajbmeb-2983	29	22	base	base	NOUN
ajbmeb-2983	29	23	,	,	PUNCT
ajbmeb-2983	29	24	and	and	CCONJ
ajbmeb-2983	29	25	attracting	attract	VERB
ajbmeb-2983	29	26	resources	resource	NOUN
ajbmeb-2983	29	27	to	to	ADP
ajbmeb-2983	29	28	depositors	depositor	NOUN
ajbmeb-2983	29	29	and	and	CCONJ
ajbmeb-2983	29	30	customers	customer	NOUN
ajbmeb-2983	29	31	alike	alike	ADV
ajbmeb-2983	29	32	[	[	X
ajbmeb-2983	29	33	9	9	NUM
ajbmeb-2983	29	34	]	]	PUNCT
ajbmeb-2983	29	35	.	.	PUNCT
ajbmeb-2983	30	1	it	it	PRON
ajbmeb-2983	30	2	should	should	AUX
ajbmeb-2983	30	3	be	be	AUX
ajbmeb-2983	30	4	noted	note	VERB
ajbmeb-2983	30	5	that	that	SCONJ
ajbmeb-2983	30	6	coordination	coordination	NOUN
ajbmeb-2983	30	7	of	of	ADP
ajbmeb-2983	30	8	terms	term	NOUN
ajbmeb-2983	30	9	of	of	ADP
ajbmeb-2983	30	10	attraction	attraction	NOUN
ajbmeb-2983	30	11	and	and	CCONJ
ajbmeb-2983	30	12	allocation	allocation	NOUN
ajbmeb-2983	30	13	of	of	ADP
ajbmeb-2983	30	14	resources	resource	NOUN
ajbmeb-2983	30	15	,	,	PUNCT
ajbmeb-2983	30	16	diversification	diversification	NOUN
ajbmeb-2983	30	17	of	of	ADP
ajbmeb-2983	30	18	attracting	attract	VERB
ajbmeb-2983	30	19	resources	resource	NOUN
ajbmeb-2983	30	20	to	to	ADP
ajbmeb-2983	30	21	depositors	depositor	NOUN
ajbmeb-2983	30	22	and	and	CCONJ
ajbmeb-2983	30	23	clients	client	NOUN
ajbmeb-2983	30	24	is	be	AUX
ajbmeb-2983	30	25	the	the	DET
ajbmeb-2983	30	26	main	main	ADJ
ajbmeb-2983	30	27	tool	tool	NOUN
ajbmeb-2983	30	28	for	for	ADP
ajbmeb-2983	30	29	efficient	efficient	ADJ
ajbmeb-2983	30	30	management	management	NOUN
ajbmeb-2983	30	31	of	of	ADP
ajbmeb-2983	30	32	resources	resource	NOUN
ajbmeb-2983	30	33	of	of	ADP
ajbmeb-2983	30	34	commercial	commercial	ADJ
ajbmeb-2983	30	35	banks	bank	NOUN
ajbmeb-2983	30	36	.	.	PUNCT
ajbmeb-2983	31	1	in	in	ADP
ajbmeb-2983	31	2	his	his	PRON
ajbmeb-2983	31	3	researches	research	NOUN
ajbmeb-2983	31	4	,	,	PUNCT
ajbmeb-2983	31	5	professor	professor	NOUN
ajbmeb-2983	31	6	f.i.mirzayev	f.i.mirzayev	NOUN
ajbmeb-2983	31	7	stopped	stop	VERB
ajbmeb-2983	31	8	on	on	ADP
ajbmeb-2983	31	9	the	the	DET
ajbmeb-2983	31	10	conceptual	conceptual	ADJ
ajbmeb-2983	31	11	basis	basis	NOUN
ajbmeb-2983	31	12	of	of	ADP
ajbmeb-2983	31	13	formation	formation	NOUN
ajbmeb-2983	31	14	of	of	ADP
ajbmeb-2983	31	15	interbank	interbank	NOUN
ajbmeb-2983	31	16	competition	competition	NOUN
ajbmeb-2983	31	17	.	.	PUNCT
ajbmeb-2983	32	1	specifically	specifically	ADV
ajbmeb-2983	32	2	,	,	PUNCT
ajbmeb-2983	32	3	economic	economic	ADJ
ajbmeb-2983	32	4	relations	relation	NOUN
ajbmeb-2983	32	5	american	american	PROPN
ajbmeb-2983	32	6	journal	journal	PROPN
ajbmeb-2983	32	7	of	of	ADP
ajbmeb-2983	32	8	business	business	NOUN
ajbmeb-2983	32	9	management	management	NOUN
ajbmeb-2983	32	10	,	,	PUNCT
ajbmeb-2983	32	11	economics	economic	NOUN
ajbmeb-2983	32	12	and	and	CCONJ
ajbmeb-2983	32	13	banking	banking	NOUN
ajbmeb-2983	32	14	volume	volume	NOUN
ajbmeb-2983	32	15	37	37	NUM
ajbmeb-2983	32	16	june2025	june2025	PROPN
ajbmeb-2983	32	17	p	p	NOUN
ajbmeb-2983	32	18	a	a	DET
ajbmeb-2983	32	19	g	g	NOUN
ajbmeb-2983	32	20	e	e	NOUN
ajbmeb-2983	32	21	|	|	ADV
ajbmeb-2983	32	22	20	20	NUM
ajbmeb-2983	32	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	32	24	as	as	ADP
ajbmeb-2983	32	25	a	a	DET
ajbmeb-2983	32	26	basis	basis	NOUN
ajbmeb-2983	32	27	for	for	ADP
ajbmeb-2983	32	28	inter	inter	ADJ
ajbmeb-2983	32	29	-	-	ADJ
ajbmeb-2983	32	30	bank	bank	ADJ
ajbmeb-2983	32	31	competition	competition	NOUN
ajbmeb-2983	32	32	in	in	ADP
ajbmeb-2983	32	33	the	the	DET
ajbmeb-2983	32	34	bankservices	bankservice	NOUN
ajbmeb-2983	32	35	market	market	NOUN
ajbmeb-2983	32	36	,	,	PUNCT
ajbmeb-2983	32	37	in	in	ADP
ajbmeb-2983	32	38	the	the	DET
ajbmeb-2983	32	39	process	process	NOUN
ajbmeb-2983	32	40	of	of	ADP
ajbmeb-2983	32	41	attracting	attract	VERB
ajbmeb-2983	32	42	resources	resource	NOUN
ajbmeb-2983	32	43	,	,	PUNCT
ajbmeb-2983	32	44	placing	place	VERB
ajbmeb-2983	32	45	funds	fund	NOUN
ajbmeb-2983	32	46	and	and	CCONJ
ajbmeb-2983	32	47	implementing	implement	VERB
ajbmeb-2983	32	48	all	all	DET
ajbmeb-2983	32	49	other	other	ADJ
ajbmeb-2983	32	50	bank	bank	NOUN
ajbmeb-2983	32	51	services	service	NOUN
ajbmeb-2983	32	52	[	[	X
ajbmeb-2983	32	53	10	10	NUM
ajbmeb-2983	32	54	]	]	PUNCT
ajbmeb-2983	32	55	.	.	PUNCT
ajbmeb-2983	33	1	thus	thus	ADV
ajbmeb-2983	33	2	,	,	PUNCT
ajbmeb-2983	33	3	commercial	commercial	ADJ
ajbmeb-2983	33	4	banks	bank	NOUN
ajbmeb-2983	33	5	fully	fully	ADV
ajbmeb-2983	33	6	study	study	VERB
ajbmeb-2983	33	7	theoretical	theoretical	ADJ
ajbmeb-2983	33	8	and	and	CCONJ
ajbmeb-2983	33	9	practical	practical	ADJ
ajbmeb-2983	33	10	aspects	aspect	NOUN
ajbmeb-2983	33	11	of	of	ADP
ajbmeb-2983	33	12	deposit	deposit	NOUN
ajbmeb-2983	33	13	operations	operation	NOUN
ajbmeb-2983	33	14	and	and	CCONJ
ajbmeb-2983	33	15	analyze	analyze	VERB
ajbmeb-2983	33	16	and	and	CCONJ
ajbmeb-2983	33	17	draw	draw	VERB
ajbmeb-2983	33	18	conclusions	conclusion	NOUN
ajbmeb-2983	33	19	from	from	ADP
ajbmeb-2983	33	20	them	they	PRON
ajbmeb-2983	33	21	are	be	AUX
ajbmeb-2983	33	22	an	an	DET
ajbmeb-2983	33	23	important	important	ADJ
ajbmeb-2983	33	24	factor	factor	NOUN
ajbmeb-2983	33	25	affecting	affect	VERB
ajbmeb-2983	33	26	the	the	DET
ajbmeb-2983	33	27	stability	stability	NOUN
ajbmeb-2983	33	28	of	of	ADP
ajbmeb-2983	33	29	banks	bank	NOUN
ajbmeb-2983	33	30	.	.	PUNCT
ajbmeb-2983	34	1	b.b.parpiev	b.b.parpiev	NOUN
ajbmeb-2983	34	2	has	have	AUX
ajbmeb-2983	34	3	made	make	VERB
ajbmeb-2983	34	4	a	a	DET
ajbmeb-2983	34	5	number	number	NOUN
ajbmeb-2983	34	6	of	of	ADP
ajbmeb-2983	34	7	statements	statement	NOUN
ajbmeb-2983	34	8	on	on	ADP
ajbmeb-2983	34	9	sustainable	sustainable	ADJ
ajbmeb-2983	34	10	attraction	attraction	NOUN
ajbmeb-2983	34	11	of	of	ADP
ajbmeb-2983	34	12	free	free	ADJ
ajbmeb-2983	34	13	funds	fund	NOUN
ajbmeb-2983	34	14	of	of	ADP
ajbmeb-2983	34	15	population	population	NOUN
ajbmeb-2983	34	16	and	and	CCONJ
ajbmeb-2983	34	17	managing	manage	VERB
ajbmeb-2983	34	18	subjects	subject	NOUN
ajbmeb-2983	34	19	to	to	ADP
ajbmeb-2983	34	20	bank	bank	NOUN
ajbmeb-2983	34	21	deposits	deposit	NOUN
ajbmeb-2983	34	22	.	.	PUNCT
ajbmeb-2983	35	1	in	in	ADP
ajbmeb-2983	35	2	particular	particular	ADJ
ajbmeb-2983	35	3	,	,	PUNCT
ajbmeb-2983	35	4	it	it	PRON
ajbmeb-2983	35	5	is	be	AUX
ajbmeb-2983	35	6	pointed	point	VERB
ajbmeb-2983	35	7	out	out	ADP
ajbmeb-2983	35	8	that	that	SCONJ
ajbmeb-2983	35	9	the	the	DET
ajbmeb-2983	35	10	commercial	commercial	ADJ
ajbmeb-2983	35	11	banks	bank	NOUN
ajbmeb-2983	35	12	should	should	AUX
ajbmeb-2983	35	13	use	use	VERB
ajbmeb-2983	35	14	their	their	PRON
ajbmeb-2983	35	15	marketing	marketing	NOUN
ajbmeb-2983	35	16	tools	tool	NOUN
ajbmeb-2983	35	17	to	to	PART
ajbmeb-2983	35	18	effectively	effectively	ADV
ajbmeb-2983	35	19	carry	carry	VERB
ajbmeb-2983	35	20	out	out	ADP
ajbmeb-2983	35	21	their	their	PRON
ajbmeb-2983	35	22	tasks	task	NOUN
ajbmeb-2983	35	23	in	in	ADP
ajbmeb-2983	35	24	order	order	NOUN
ajbmeb-2983	35	25	to	to	PART
ajbmeb-2983	35	26	intensify	intensify	VERB
ajbmeb-2983	35	27	the	the	DET
ajbmeb-2983	35	28	steady	steady	ADJ
ajbmeb-2983	35	29	attraction	attraction	NOUN
ajbmeb-2983	35	30	of	of	ADP
ajbmeb-2983	35	31	free	free	ADJ
ajbmeb-2983	35	32	funds	fund	NOUN
ajbmeb-2983	35	33	of	of	ADP
ajbmeb-2983	35	34	population	population	NOUN
ajbmeb-2983	35	35	and	and	CCONJ
ajbmeb-2983	35	36	business	business	NOUN
ajbmeb-2983	35	37	entities	entity	NOUN
ajbmeb-2983	35	38	to	to	ADP
ajbmeb-2983	35	39	bank	bank	NOUN
ajbmeb-2983	35	40	deposits	deposit	NOUN
ajbmeb-2983	35	41	in	in	ADP
ajbmeb-2983	35	42	the	the	DET
ajbmeb-2983	35	43	context	context	NOUN
ajbmeb-2983	35	44	of	of	ADP
ajbmeb-2983	35	45	the	the	DET
ajbmeb-2983	35	46	global	global	ADJ
ajbmeb-2983	35	47	financial	financial	ADJ
ajbmeb-2983	35	48	and	and	CCONJ
ajbmeb-2983	35	49	economic	economic	ADJ
ajbmeb-2983	35	50	downturn	downturn	NOUN
ajbmeb-2983	36	1	[	[	X
ajbmeb-2983	36	2	11	11	NUM
ajbmeb-2983	36	3	]	]	PUNCT
ajbmeb-2983	36	4	.	.	PUNCT
ajbmeb-2983	37	1	consequently	consequently	ADV
ajbmeb-2983	37	2	,	,	PUNCT
ajbmeb-2983	37	3	attracting	attract	VERB
ajbmeb-2983	37	4	and	and	CCONJ
ajbmeb-2983	37	5	maintaining	maintain	VERB
ajbmeb-2983	37	6	a	a	DET
ajbmeb-2983	37	7	stable	stable	ADJ
ajbmeb-2983	37	8	and	and	CCONJ
ajbmeb-2983	37	9	optimal	optimal	ADJ
ajbmeb-2983	37	10	level	level	NOUN
ajbmeb-2983	37	11	of	of	ADP
ajbmeb-2983	37	12	savings	saving	NOUN
ajbmeb-2983	37	13	and	and	CCONJ
ajbmeb-2983	37	14	free	free	ADJ
ajbmeb-2983	37	15	cash	cash	NOUN
ajbmeb-2983	37	16	flows	flow	NOUN
ajbmeb-2983	37	17	will	will	AUX
ajbmeb-2983	37	18	help	help	VERB
ajbmeb-2983	37	19	to	to	PART
ajbmeb-2983	37	20	prevent	prevent	VERB
ajbmeb-2983	37	21	instability	instability	NOUN
ajbmeb-2983	37	22	and	and	CCONJ
ajbmeb-2983	37	23	crisis	crisis	NOUN
ajbmeb-2983	37	24	in	in	ADP
ajbmeb-2983	37	25	the	the	DET
ajbmeb-2983	37	26	economy	economy	NOUN
ajbmeb-2983	37	27	.	.	PUNCT
ajbmeb-2983	38	1	ph.d	ph.d	PROPN
ajbmeb-2983	38	2	.	.	PUNCT
ajbmeb-2983	39	1	s.kh.igamberdiyev	s.kh.igamberdiyev	PROPN
ajbmeb-2983	39	2	believes	believe	VERB
ajbmeb-2983	39	3	that	that	SCONJ
ajbmeb-2983	39	4	having	have	VERB
ajbmeb-2983	39	5	a	a	DET
ajbmeb-2983	39	6	resource	resource	NOUN
ajbmeb-2983	39	7	base	base	NOUN
ajbmeb-2983	39	8	in	in	ADP
ajbmeb-2983	39	9	the	the	DET
ajbmeb-2983	39	10	form	form	NOUN
ajbmeb-2983	39	11	of	of	ADP
ajbmeb-2983	39	12	deposits	deposit	NOUN
ajbmeb-2983	39	13	of	of	ADP
ajbmeb-2983	39	14	individuals	individual	NOUN
ajbmeb-2983	39	15	ensures	ensure	VERB
ajbmeb-2983	39	16	a	a	DET
ajbmeb-2983	39	17	stable	stable	ADJ
ajbmeb-2983	39	18	part	part	NOUN
ajbmeb-2983	39	19	of	of	ADP
ajbmeb-2983	39	20	the	the	DET
ajbmeb-2983	39	21	bank	bank	NOUN
ajbmeb-2983	39	22	balance	balance	NOUN
ajbmeb-2983	39	23	sheet	sheet	NOUN
ajbmeb-2983	39	24	[	[	X
ajbmeb-2983	39	25	12	12	NUM
ajbmeb-2983	39	26	]	]	PUNCT
ajbmeb-2983	39	27	.	.	PUNCT
ajbmeb-2983	40	1	this	this	PRON
ajbmeb-2983	40	2	,	,	PUNCT
ajbmeb-2983	40	3	in	in	ADP
ajbmeb-2983	40	4	turn	turn	NOUN
ajbmeb-2983	40	5	,	,	PUNCT
ajbmeb-2983	40	6	has	have	VERB
ajbmeb-2983	40	7	an	an	DET
ajbmeb-2983	40	8	impact	impact	NOUN
ajbmeb-2983	40	9	on	on	ADP
ajbmeb-2983	40	10	the	the	DET
ajbmeb-2983	40	11	effective	effective	ADJ
ajbmeb-2983	40	12	management	management	NOUN
ajbmeb-2983	40	13	of	of	ADP
ajbmeb-2983	40	14	the	the	DET
ajbmeb-2983	40	15	investment	investment	NOUN
ajbmeb-2983	40	16	bank	bank	NOUN
ajbmeb-2983	40	17	.	.	PUNCT
ajbmeb-2983	41	1	also	also	ADV
ajbmeb-2983	41	2	,	,	PUNCT
ajbmeb-2983	41	3	the	the	DET
ajbmeb-2983	41	4	introduction	introduction	NOUN
ajbmeb-2983	41	5	of	of	ADP
ajbmeb-2983	41	6	new	new	ADJ
ajbmeb-2983	41	7	liquidity	liquidity	NOUN
ajbmeb-2983	41	8	regulation	regulation	NOUN
ajbmeb-2983	41	9	requirements	requirement	NOUN
ajbmeb-2983	41	10	in	in	ADP
ajbmeb-2983	41	11	the	the	DET
ajbmeb-2983	41	12	banks	bank	NOUN
ajbmeb-2983	41	13	'	'	PART
ajbmeb-2983	41	14	activity	activity	NOUN
ajbmeb-2983	41	15	creates	create	VERB
ajbmeb-2983	41	16	conditions	condition	NOUN
ajbmeb-2983	41	17	for	for	ADP
ajbmeb-2983	41	18	the	the	DET
ajbmeb-2983	41	19	development	development	NOUN
ajbmeb-2983	41	20	of	of	ADP
ajbmeb-2983	41	21	the	the	DET
ajbmeb-2983	41	22	banks	bank	NOUN
ajbmeb-2983	41	23	'	'	PART
ajbmeb-2983	41	24	stock	stock	NOUN
ajbmeb-2983	41	25	market	market	NOUN
ajbmeb-2983	41	26	activity	activity	NOUN
ajbmeb-2983	41	27	,	,	PUNCT
ajbmeb-2983	41	28	in	in	ADP
ajbmeb-2983	41	29	particular	particular	ADJ
ajbmeb-2983	41	30	,	,	PUNCT
ajbmeb-2983	41	31	the	the	DET
ajbmeb-2983	41	32	placement	placement	NOUN
ajbmeb-2983	41	33	of	of	ADP
ajbmeb-2983	41	34	demand	demand	NOUN
ajbmeb-2983	41	35	deposits	deposit	NOUN
ajbmeb-2983	41	36	in	in	ADP
ajbmeb-2983	41	37	the	the	DET
ajbmeb-2983	41	38	stock	stock	NOUN
ajbmeb-2983	41	39	market	market	NOUN
ajbmeb-2983	41	40	's	's	PART
ajbmeb-2983	41	41	liquidity	liquidity	NOUN
ajbmeb-2983	41	42	securities	security	NOUN
ajbmeb-2983	41	43	.	.	PUNCT
ajbmeb-2983	42	1	deposits	deposit	NOUN
ajbmeb-2983	42	2	are	be	AUX
ajbmeb-2983	42	3	listed	list	VERB
ajbmeb-2983	42	4	in	in	ADP
ajbmeb-2983	42	5	the	the	DET
ajbmeb-2983	42	6	bank	bank	NOUN
ajbmeb-2983	42	7	practice	practice	NOUN
ajbmeb-2983	42	8	of	of	ADP
ajbmeb-2983	42	9	the	the	DET
ajbmeb-2983	42	10	republic	republic	NOUN
ajbmeb-2983	42	11	in	in	ADP
ajbmeb-2983	42	12	the	the	DET
ajbmeb-2983	42	13	following	follow	VERB
ajbmeb-2983	42	14	way[12	way[12	PROPN
ajbmeb-2983	42	15	]	]	PUNCT
ajbmeb-2983	42	16	:	:	PUNCT
ajbmeb-2983	42	17	required	require	VERB
ajbmeb-2983	42	18	deposits	deposit	NOUN
ajbmeb-2983	42	19	;	;	PUNCT
ajbmeb-2983	42	20	time	time	NOUN
ajbmeb-2983	42	21	deposits	deposit	NOUN
ajbmeb-2983	42	22	;	;	PUNCT
ajbmeb-2983	42	23	savings	saving	NOUN
ajbmeb-2983	42	24	deposits	deposit	NOUN
ajbmeb-2983	42	25	.	.	PUNCT
ajbmeb-2983	43	1	required	require	VERB
ajbmeb-2983	43	2	deposits	deposit	NOUN
ajbmeb-2983	43	3	have	have	VERB
ajbmeb-2983	43	4	the	the	DET
ajbmeb-2983	43	5	following	following	ADJ
ajbmeb-2983	43	6	characteristics	characteristic	NOUN
ajbmeb-2983	43	7	:	:	PUNCT
ajbmeb-2983	43	8	at	at	ADP
ajbmeb-2983	43	9	any	any	DET
ajbmeb-2983	43	10	time	time	NOUN
ajbmeb-2983	43	11	of	of	ADP
ajbmeb-2983	43	12	this	this	DET
ajbmeb-2983	43	13	type	type	NOUN
ajbmeb-2983	43	14	of	of	ADP
ajbmeb-2983	43	15	deposit	deposit	NOUN
ajbmeb-2983	43	16	may	may	AUX
ajbmeb-2983	43	17	withdraw	withdraw	VERB
ajbmeb-2983	43	18	or	or	CCONJ
ajbmeb-2983	43	19	withdraw	withdraw	VERB
ajbmeb-2983	43	20	funds	fund	NOUN
ajbmeb-2983	43	21	in	in	ADP
ajbmeb-2983	43	22	any	any	DET
ajbmeb-2983	43	23	amount	amount	NOUN
ajbmeb-2983	43	24	;	;	PUNCT
ajbmeb-2983	43	25	unlimited	unlimited	ADJ
ajbmeb-2983	43	26	time	time	NOUN
ajbmeb-2983	43	27	deposit	deposit	NOUN
ajbmeb-2983	43	28	;	;	PUNCT
ajbmeb-2983	43	29	a	a	DET
ajbmeb-2983	43	30	small	small	ADJ
ajbmeb-2983	43	31	amount	amount	NOUN
ajbmeb-2983	43	32	of	of	ADP
ajbmeb-2983	43	33	interest	interest	NOUN
ajbmeb-2983	43	34	is	be	AUX
ajbmeb-2983	43	35	paid	pay	VERB
ajbmeb-2983	43	36	and	and	CCONJ
ajbmeb-2983	43	37	so	so	ADV
ajbmeb-2983	43	38	on	on	ADV
ajbmeb-2983	43	39	.	.	PUNCT
ajbmeb-2983	44	1	deposits	deposit	NOUN
ajbmeb-2983	44	2	in	in	ADP
ajbmeb-2983	44	3	commercial	commercial	ADJ
ajbmeb-2983	44	4	banks	bank	NOUN
ajbmeb-2983	44	5	have	have	VERB
ajbmeb-2983	44	6	the	the	DET
ajbmeb-2983	44	7	largest	large	ADJ
ajbmeb-2983	44	8	amount	amount	NOUN
ajbmeb-2983	44	9	of	of	ADP
ajbmeb-2983	44	10	required	require	VERB
ajbmeb-2983	44	11	deposits	deposit	NOUN
ajbmeb-2983	44	12	.	.	PUNCT
ajbmeb-2983	45	1	this	this	PRON
ajbmeb-2983	45	2	is	be	AUX
ajbmeb-2983	45	3	usually	usually	ADV
ajbmeb-2983	45	4	the	the	DET
ajbmeb-2983	45	5	cheapest	cheap	ADJ
ajbmeb-2983	45	6	source	source	NOUN
ajbmeb-2983	45	7	of	of	ADP
ajbmeb-2983	45	8	bank	bank	NOUN
ajbmeb-2983	45	9	resources	resource	NOUN
ajbmeb-2983	45	10	.	.	PUNCT
ajbmeb-2983	46	1	time	time	NOUN
ajbmeb-2983	46	2	deposits	deposit	NOUN
ajbmeb-2983	46	3	are	be	AUX
ajbmeb-2983	46	4	deposits	deposit	NOUN
ajbmeb-2983	46	5	attracted	attract	VERB
ajbmeb-2983	46	6	by	by	ADP
ajbmeb-2983	46	7	banks	bank	NOUN
ajbmeb-2983	46	8	for	for	ADP
ajbmeb-2983	46	9	a	a	DET
ajbmeb-2983	46	10	certain	certain	ADJ
ajbmeb-2983	46	11	period	period	NOUN
ajbmeb-2983	46	12	of	of	ADP
ajbmeb-2983	46	13	time	time	NOUN
ajbmeb-2983	46	14	.	.	PUNCT
ajbmeb-2983	47	1	these	these	DET
ajbmeb-2983	47	2	types	type	NOUN
ajbmeb-2983	47	3	of	of	ADP
ajbmeb-2983	47	4	deposits	deposit	NOUN
ajbmeb-2983	47	5	must	must	AUX
ajbmeb-2983	47	6	be	be	AUX
ajbmeb-2983	47	7	settled	settle	VERB
ajbmeb-2983	47	8	in	in	ADP
ajbmeb-2983	47	9	the	the	DET
ajbmeb-2983	47	10	maturity	maturity	NOUN
ajbmeb-2983	47	11	date	date	NOUN
ajbmeb-2983	47	12	and	and	CCONJ
ajbmeb-2983	47	13	will	will	AUX
ajbmeb-2983	47	14	not	not	PART
ajbmeb-2983	47	15	be	be	AUX
ajbmeb-2983	47	16	used	use	VERB
ajbmeb-2983	47	17	for	for	ADP
ajbmeb-2983	47	18	current	current	ADJ
ajbmeb-2983	47	19	payments.time	payments.time	NUM
ajbmeb-2983	47	20	deposits	deposit	NOUN
ajbmeb-2983	47	21	have	have	VERB
ajbmeb-2983	47	22	the	the	DET
ajbmeb-2983	47	23	following	follow	VERB
ajbmeb-2983	47	24	characteristics	characteristic	NOUN
ajbmeb-2983	47	25	:	:	PUNCT
ajbmeb-2983	47	26	–	–	PUNCT
ajbmeb-2983	47	27	the	the	DET
ajbmeb-2983	47	28	rate	rate	NOUN
ajbmeb-2983	47	29	is	be	AUX
ajbmeb-2983	47	30	fixed	fix	VERB
ajbmeb-2983	47	31	and	and	CCONJ
ajbmeb-2983	47	32	settled	settle	VERB
ajbmeb-2983	47	33	(	(	PUNCT
ajbmeb-2983	47	34	indicated	indicate	VERB
ajbmeb-2983	47	35	in	in	ADP
ajbmeb-2983	47	36	the	the	DET
ajbmeb-2983	47	37	deposit	deposit	NOUN
ajbmeb-2983	47	38	policy	policy	NOUN
ajbmeb-2983	47	39	)	)	PUNCT
ajbmeb-2983	47	40	;	;	PUNCT
ajbmeb-2983	47	41	–	–	PUNCT
ajbmeb-2983	47	42	not	not	PART
ajbmeb-2983	47	43	used	use	VERB
ajbmeb-2983	47	44	for	for	ADP
ajbmeb-2983	47	45	current	current	ADJ
ajbmeb-2983	47	46	accounts	account	NOUN
ajbmeb-2983	47	47	;	;	PUNCT
ajbmeb-2983	47	48	–	–	PUNCT
ajbmeb-2983	47	49	the	the	DET
ajbmeb-2983	47	50	customer	customer	NOUN
ajbmeb-2983	47	51	must	must	AUX
ajbmeb-2983	47	52	not	not	PART
ajbmeb-2983	47	53	be	be	AUX
ajbmeb-2983	47	54	prematurely	prematurely	ADV
ajbmeb-2983	47	55	withdrawn	withdraw	VERB
ajbmeb-2983	47	56	,	,	PUNCT
ajbmeb-2983	47	57	otherwise	otherwise	ADV
ajbmeb-2983	47	58	the	the	DET
ajbmeb-2983	47	59	terms	term	NOUN
ajbmeb-2983	47	60	of	of	ADP
ajbmeb-2983	47	61	the	the	DET
ajbmeb-2983	47	62	agreement	agreement	NOUN
ajbmeb-2983	47	63	on	on	ADP
ajbmeb-2983	47	64	the	the	DET
ajbmeb-2983	47	65	interest	interest	NOUN
ajbmeb-2983	47	66	payment	payment	NOUN
ajbmeb-2983	47	67	can	can	AUX
ajbmeb-2983	47	68	be	be	AUX
ajbmeb-2983	47	69	canceled	cancel	VERB
ajbmeb-2983	47	70	and	and	CCONJ
ajbmeb-2983	47	71	interest	interest	NOUN
ajbmeb-2983	47	72	can	can	AUX
ajbmeb-2983	47	73	be	be	AUX
ajbmeb-2983	47	74	paid	pay	VERB
ajbmeb-2983	47	75	on	on	ADP
ajbmeb-2983	47	76	the	the	DET
ajbmeb-2983	47	77	deposit	deposit	NOUN
ajbmeb-2983	47	78	amount	amount	NOUN
ajbmeb-2983	47	79	upon	upon	SCONJ
ajbmeb-2983	47	80	demand	demand	NOUN
ajbmeb-2983	47	81	;	;	PUNCT
ajbmeb-2983	47	82	–	–	PUNCT
ajbmeb-2983	47	83	funds	fund	NOUN
ajbmeb-2983	47	84	are	be	AUX
ajbmeb-2983	47	85	slowly	slowly	ADV
ajbmeb-2983	47	86	shifting	shift	VERB
ajbmeb-2983	47	87	to	to	ADP
ajbmeb-2983	47	88	long	long	ADJ
ajbmeb-2983	47	89	-	-	PUNCT
ajbmeb-2983	47	90	term	term	NOUN
ajbmeb-2983	47	91	mortgages	mortgage	NOUN
ajbmeb-2983	47	92	and	and	CCONJ
ajbmeb-2983	47	93	so	so	ADV
ajbmeb-2983	47	94	on	on	ADV
ajbmeb-2983	47	95	.	.	PUNCT
ajbmeb-2983	48	1	savings	saving	NOUN
ajbmeb-2983	48	2	deposits	deposit	NOUN
ajbmeb-2983	48	3	serve	serve	VERB
ajbmeb-2983	48	4	to	to	PART
ajbmeb-2983	48	5	accumulate	accumulate	VERB
ajbmeb-2983	48	6	savings	saving	NOUN
ajbmeb-2983	48	7	of	of	ADP
ajbmeb-2983	48	8	the	the	DET
ajbmeb-2983	48	9	population	population	NOUN
ajbmeb-2983	48	10	.	.	PUNCT
ajbmeb-2983	49	1	fund	fund	NOUN
ajbmeb-2983	49	2	savings	saving	NOUN
ajbmeb-2983	49	3	include	include	VERB
ajbmeb-2983	49	4	deposits	deposit	NOUN
ajbmeb-2983	49	5	that	that	PRON
ajbmeb-2983	49	6	are	be	AUX
ajbmeb-2983	49	7	deposited	deposit	VERB
ajbmeb-2983	49	8	with	with	ADP
ajbmeb-2983	49	9	the	the	DET
ajbmeb-2983	49	10	purpose	purpose	NOUN
ajbmeb-2983	49	11	of	of	ADP
ajbmeb-2983	49	12	accumulation	accumulation	NOUN
ajbmeb-2983	49	13	or	or	CCONJ
ajbmeb-2983	49	14	storage	storage	NOUN
ajbmeb-2983	49	15	of	of	ADP
ajbmeb-2983	49	16	funds	fund	NOUN
ajbmeb-2983	49	17	.	.	PUNCT
ajbmeb-2983	50	1	their	their	PRON
ajbmeb-2983	50	2	special	special	ADJ
ajbmeb-2983	50	3	feature	feature	NOUN
ajbmeb-2983	50	4	is	be	AUX
ajbmeb-2983	50	5	the	the	DET
ajbmeb-2983	50	6	encouragement	encouragement	NOUN
ajbmeb-2983	50	7	of	of	ADP
ajbmeb-2983	50	8	savings	saving	NOUN
ajbmeb-2983	50	9	and	and	CCONJ
ajbmeb-2983	50	10	the	the	DET
ajbmeb-2983	50	11	high	high	ADJ
ajbmeb-2983	50	12	level	level	NOUN
ajbmeb-2983	50	13	of	of	ADP
ajbmeb-2983	50	14	profitability	profitability	NOUN
ajbmeb-2983	50	15	,	,	PUNCT
ajbmeb-2983	50	16	which	which	PRON
ajbmeb-2983	50	17	accumulates	accumulate	VERB
ajbmeb-2983	50	18	for	for	ADP
ajbmeb-2983	50	19	a	a	DET
ajbmeb-2983	50	20	certain	certain	ADJ
ajbmeb-2983	50	21	period	period	NOUN
ajbmeb-2983	50	22	of	of	ADP
ajbmeb-2983	50	23	time	time	NOUN
ajbmeb-2983	50	24	.	.	PUNCT
ajbmeb-2983	51	1	in	in	ADP
ajbmeb-2983	51	2	our	our	PRON
ajbmeb-2983	51	3	opinion	opinion	NOUN
ajbmeb-2983	51	4	,	,	PUNCT
ajbmeb-2983	51	5	commercial	commercial	ADJ
ajbmeb-2983	51	6	banks	bank	NOUN
ajbmeb-2983	51	7	are	be	AUX
ajbmeb-2983	51	8	operations	operation	NOUN
ajbmeb-2983	51	9	involving	involve	VERB
ajbmeb-2983	51	10	the	the	DET
ajbmeb-2983	51	11	transfer	transfer	NOUN
ajbmeb-2983	51	12	and	and	CCONJ
ajbmeb-2983	51	13	savingthe	savingthe	DET
ajbmeb-2983	51	14	funds	fund	NOUN
ajbmeb-2983	51	15	to	to	ADP
ajbmeb-2983	51	16	the	the	DET
ajbmeb-2983	51	17	bank	bank	NOUN
ajbmeb-2983	51	18	for	for	ADP
ajbmeb-2983	51	19	certain	certain	ADJ
ajbmeb-2983	51	20	purposes	purpose	NOUN
ajbmeb-2983	51	21	,	,	PUNCT
ajbmeb-2983	51	22	based	base	VERB
ajbmeb-2983	51	23	on	on	ADP
ajbmeb-2983	51	24	the	the	DET
ajbmeb-2983	51	25	agreement	agreement	NOUN
ajbmeb-2983	51	26	between	between	ADP
ajbmeb-2983	51	27	the	the	DET
ajbmeb-2983	51	28	bank	bank	NOUN
ajbmeb-2983	51	29	and	and	CCONJ
ajbmeb-2983	51	30	the	the	DET
ajbmeb-2983	51	31	client	client	NOUN
ajbmeb-2983	51	32	.	.	PUNCT
ajbmeb-2983	52	1	analysis	analysis	NOUN
ajbmeb-2983	52	2	and	and	CCONJ
ajbmeb-2983	52	3	findings	finding	VERB
ajbmeb-2983	52	4	the	the	DET
ajbmeb-2983	52	5	expansion	expansion	NOUN
ajbmeb-2983	52	6	of	of	ADP
ajbmeb-2983	52	7	the	the	DET
ajbmeb-2983	52	8	deposit	deposit	NOUN
ajbmeb-2983	52	9	base	base	NOUN
ajbmeb-2983	52	10	of	of	ADP
ajbmeb-2983	52	11	commercial	commercial	ADJ
ajbmeb-2983	52	12	banks	bank	NOUN
ajbmeb-2983	52	13	requires	require	VERB
ajbmeb-2983	52	14	the	the	DET
ajbmeb-2983	52	15	development	development	NOUN
ajbmeb-2983	52	16	of	of	ADP
ajbmeb-2983	52	17	bank	bank	NOUN
ajbmeb-2983	52	18	deposit	deposit	NOUN
ajbmeb-2983	52	19	operations	operation	NOUN
ajbmeb-2983	52	20	.	.	PUNCT
ajbmeb-2983	53	1	first	first	ADV
ajbmeb-2983	53	2	of	of	ADP
ajbmeb-2983	53	3	all	all	PRON
ajbmeb-2983	53	4	,	,	PUNCT
ajbmeb-2983	53	5	it	it	PRON
ajbmeb-2983	53	6	is	be	AUX
ajbmeb-2983	53	7	necessary	necessary	ADJ
ajbmeb-2983	53	8	to	to	PART
ajbmeb-2983	53	9	consider	consider	VERB
ajbmeb-2983	53	10	the	the	DET
ajbmeb-2983	53	11	factors	factor	NOUN
ajbmeb-2983	53	12	influencing	influence	VERB
ajbmeb-2983	53	13	the	the	DET
ajbmeb-2983	53	14	development	development	NOUN
ajbmeb-2983	53	15	of	of	ADP
ajbmeb-2983	53	16	deposit	deposit	NOUN
ajbmeb-2983	53	17	american	american	PROPN
ajbmeb-2983	53	18	journal	journal	PROPN
ajbmeb-2983	53	19	of	of	ADP
ajbmeb-2983	53	20	business	business	NOUN
ajbmeb-2983	53	21	management	management	NOUN
ajbmeb-2983	53	22	,	,	PUNCT
ajbmeb-2983	53	23	economics	economic	NOUN
ajbmeb-2983	53	24	and	and	CCONJ
ajbmeb-2983	53	25	banking	banking	NOUN
ajbmeb-2983	53	26	volume	volume	NOUN
ajbmeb-2983	53	27	37	37	NUM
ajbmeb-2983	53	28	june2025	june2025	PROPN
ajbmeb-2983	53	29	p	p	NOUN
ajbmeb-2983	53	30	a	a	DET
ajbmeb-2983	53	31	g	g	NOUN
ajbmeb-2983	53	32	e	e	NOUN
ajbmeb-2983	53	33	|	|	ADV
ajbmeb-2983	53	34	21	21	NUM
ajbmeb-2983	53	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	53	36	operations	operation	NOUN
ajbmeb-2983	53	37	of	of	ADP
ajbmeb-2983	53	38	commercial	commercial	ADJ
ajbmeb-2983	53	39	banks	bank	NOUN
ajbmeb-2983	53	40	.	.	PUNCT
ajbmeb-2983	54	1	factors	factor	NOUN
ajbmeb-2983	54	2	influencing	influence	VERB
ajbmeb-2983	54	3	the	the	DET
ajbmeb-2983	54	4	development	development	NOUN
ajbmeb-2983	54	5	of	of	ADP
ajbmeb-2983	54	6	deposit	deposit	NOUN
ajbmeb-2983	54	7	operations	operation	NOUN
ajbmeb-2983	54	8	of	of	ADP
ajbmeb-2983	54	9	commercial	commercial	ADJ
ajbmeb-2983	54	10	banks	bank	NOUN
ajbmeb-2983	54	11	.	.	PUNCT
ajbmeb-2983	55	1	picture	picture	NOUN
ajbmeb-2983	55	2	1	1	NUM
ajbmeb-2983	55	3	.	.	PUNCT
ajbmeb-2983	56	1	factors	factor	NOUN
ajbmeb-2983	56	2	influencing	influence	VERB
ajbmeb-2983	56	3	the	the	DET
ajbmeb-2983	56	4	development	development	NOUN
ajbmeb-2983	56	5	of	of	ADP
ajbmeb-2983	56	6	deposit	deposit	NOUN
ajbmeb-2983	56	7	operations	operation	NOUN
ajbmeb-2983	56	8	of	of	ADP
ajbmeb-2983	56	9	commercial	commercial	ADJ
ajbmeb-2983	56	10	banks	bank	NOUN
ajbmeb-2983	56	11	.	.	PUNCT
ajbmeb-2983	57	1	factors	factor	NOUN
ajbmeb-2983	57	2	influencing	influence	VERB
ajbmeb-2983	57	3	the	the	DET
ajbmeb-2983	57	4	development	development	NOUN
ajbmeb-2983	57	5	of	of	ADP
ajbmeb-2983	57	6	deposit	deposit	NOUN
ajbmeb-2983	57	7	operations	operation	NOUN
ajbmeb-2983	57	8	of	of	ADP
ajbmeb-2983	57	9	commercial	commercial	ADJ
ajbmeb-2983	57	10	banks	bank	NOUN
ajbmeb-2983	57	11	.	.	PUNCT
ajbmeb-2983	58	1	the	the	DET
ajbmeb-2983	58	2	degree	degree	NOUN
ajbmeb-2983	58	3	to	to	PART
ajbmeb-2983	58	4	which	which	PRON
ajbmeb-2983	58	5	the	the	DET
ajbmeb-2983	58	6	bank	bank	NOUN
ajbmeb-2983	58	7	uses	use	VERB
ajbmeb-2983	58	8	new	new	ADJ
ajbmeb-2983	58	9	technologies	technology	NOUN
ajbmeb-2983	58	10	has	have	VERB
ajbmeb-2983	58	11	an	an	DET
ajbmeb-2983	58	12	impact	impact	NOUN
ajbmeb-2983	58	13	on	on	ADP
ajbmeb-2983	58	14	the	the	DET
ajbmeb-2983	58	15	development	development	NOUN
ajbmeb-2983	58	16	of	of	ADP
ajbmeb-2983	58	17	bank	bank	NOUN
ajbmeb-2983	58	18	deposit	deposit	NOUN
ajbmeb-2983	58	19	operations	operation	NOUN
ajbmeb-2983	58	20	a	a	DET
ajbmeb-2983	58	21	clear	clear	ADJ
ajbmeb-2983	58	22	indication	indication	NOUN
ajbmeb-2983	58	23	of	of	ADP
ajbmeb-2983	58	24	the	the	DET
ajbmeb-2983	58	25	use	use	NOUN
ajbmeb-2983	58	26	and	and	CCONJ
ajbmeb-2983	58	27	development	development	NOUN
ajbmeb-2983	58	28	of	of	ADP
ajbmeb-2983	58	29	new	new	ADJ
ajbmeb-2983	58	30	techniques	technique	NOUN
ajbmeb-2983	58	31	and	and	CCONJ
ajbmeb-2983	58	32	technologies	technology	NOUN
ajbmeb-2983	58	33	in	in	ADP
ajbmeb-2983	58	34	all	all	DET
ajbmeb-2983	58	35	areas	area	NOUN
ajbmeb-2983	58	36	of	of	ADP
ajbmeb-2983	58	37	the	the	DET
ajbmeb-2983	58	38	country	country	NOUN
ajbmeb-2983	58	39	.	.	PUNCT
ajbmeb-2983	59	1	the	the	DET
ajbmeb-2983	59	2	correctness	correctness	NOUN
ajbmeb-2983	59	3	of	of	ADP
ajbmeb-2983	59	4	the	the	DET
ajbmeb-2983	59	5	bank	bank	NOUN
ajbmeb-2983	59	6	management	management	NOUN
ajbmeb-2983	59	7	system	system	NOUN
ajbmeb-2983	59	8	and	and	CCONJ
ajbmeb-2983	59	9	the	the	DET
ajbmeb-2983	59	10	bank	bank	NOUN
ajbmeb-2983	59	11	's	's	PART
ajbmeb-2983	59	12	organizational	organizational	ADJ
ajbmeb-2983	59	13	structure	structure	NOUN
ajbmeb-2983	59	14	,	,	PUNCT
ajbmeb-2983	59	15	the	the	DET
ajbmeb-2983	59	16	high	high	ADJ
ajbmeb-2983	59	17	level	level	NOUN
ajbmeb-2983	59	18	of	of	ADP
ajbmeb-2983	59	19	professionalism	professionalism	NOUN
ajbmeb-2983	59	20	of	of	ADP
ajbmeb-2983	59	21	managers	manager	NOUN
ajbmeb-2983	59	22	and	and	CCONJ
ajbmeb-2983	59	23	employees	employee	NOUN
ajbmeb-2983	59	24	of	of	ADP
ajbmeb-2983	59	25	the	the	DET
ajbmeb-2983	59	26	bank	bank	NOUN
ajbmeb-2983	59	27	as	as	ADV
ajbmeb-2983	59	28	well	well	ADV
ajbmeb-2983	59	29	as	as	ADP
ajbmeb-2983	59	30	the	the	DET
ajbmeb-2983	59	31	good	good	ADJ
ajbmeb-2983	59	32	attitude	attitude	NOUN
ajbmeb-2983	59	33	of	of	ADP
ajbmeb-2983	59	34	the	the	DET
ajbmeb-2983	59	35	bank	bank	NOUN
ajbmeb-2983	59	36	staff	staff	NOUN
ajbmeb-2983	59	37	to	to	ADP
ajbmeb-2983	59	38	their	their	PRON
ajbmeb-2983	59	39	work	work	NOUN
ajbmeb-2983	59	40	lead	lead	NOUN
ajbmeb-2983	59	41	to	to	ADP
ajbmeb-2983	59	42	the	the	DET
ajbmeb-2983	59	43	improvement	improvement	NOUN
ajbmeb-2983	59	44	of	of	ADP
ajbmeb-2983	59	45	the	the	DET
ajbmeb-2983	59	46	bank	bank	NOUN
ajbmeb-2983	59	47	situation	situation	NOUN
ajbmeb-2983	59	48	and	and	CCONJ
ajbmeb-2983	59	49	the	the	DET
ajbmeb-2983	59	50	reputation	reputation	NOUN
ajbmeb-2983	59	51	of	of	ADP
ajbmeb-2983	59	52	the	the	DET
ajbmeb-2983	59	53	bank	bank	NOUN
ajbmeb-2983	59	54	.	.	PUNCT
ajbmeb-2983	60	1	as	as	ADP
ajbmeb-2983	60	2	a	a	DET
ajbmeb-2983	60	3	result	result	NOUN
ajbmeb-2983	60	4	,	,	PUNCT
ajbmeb-2983	60	5	clients	client	NOUN
ajbmeb-2983	60	6	'	'	PART
ajbmeb-2983	60	7	confidence	confidence	NOUN
ajbmeb-2983	60	8	in	in	ADP
ajbmeb-2983	60	9	commercial	commercial	ADJ
ajbmeb-2983	60	10	banks	bank	NOUN
ajbmeb-2983	60	11	increases	increase	VERB
ajbmeb-2983	60	12	and	and	CCONJ
ajbmeb-2983	60	13	they	they	PRON
ajbmeb-2983	60	14	try	try	VERB
ajbmeb-2983	60	15	to	to	PART
ajbmeb-2983	60	16	keep	keep	VERB
ajbmeb-2983	60	17	their	their	PRON
ajbmeb-2983	60	18	free	free	ADJ
ajbmeb-2983	60	19	cash	cash	NOUN
ajbmeb-2983	60	20	money	money	NOUN
ajbmeb-2983	60	21	in	in	ADP
ajbmeb-2983	60	22	banks	bank	NOUN
ajbmeb-2983	60	23	.	.	PUNCT
ajbmeb-2983	61	1	this	this	PRON
ajbmeb-2983	61	2	directly	directly	ADV
ajbmeb-2983	61	3	entails	entail	VERB
ajbmeb-2983	61	4	expansion	expansion	NOUN
ajbmeb-2983	61	5	of	of	ADP
ajbmeb-2983	61	6	the	the	DET
ajbmeb-2983	61	7	deposit	deposit	NOUN
ajbmeb-2983	61	8	base	base	NOUN
ajbmeb-2983	61	9	of	of	ADP
ajbmeb-2983	61	10	commercial	commercial	ADJ
ajbmeb-2983	61	11	banks	bank	NOUN
ajbmeb-2983	61	12	.	.	PUNCT
ajbmeb-2983	62	1	an	an	DET
ajbmeb-2983	62	2	increase	increase	NOUN
ajbmeb-2983	62	3	in	in	ADP
ajbmeb-2983	62	4	deposit	deposit	NOUN
ajbmeb-2983	62	5	funds	fund	NOUN
ajbmeb-2983	62	6	of	of	ADP
ajbmeb-2983	62	7	commercial	commercial	ADJ
ajbmeb-2983	62	8	banks	bank	NOUN
ajbmeb-2983	62	9	of	of	ADP
ajbmeb-2983	62	10	our	our	PRON
ajbmeb-2983	62	11	country	country	NOUN
ajbmeb-2983	62	12	can	can	AUX
ajbmeb-2983	62	13	be	be	AUX
ajbmeb-2983	62	14	explained	explain	VERB
ajbmeb-2983	62	15	by	by	ADP
ajbmeb-2983	62	16	the	the	DET
ajbmeb-2983	62	17	growing	grow	VERB
ajbmeb-2983	62	18	trust	trust	NOUN
ajbmeb-2983	62	19	of	of	ADP
ajbmeb-2983	62	20	the	the	DET
ajbmeb-2983	62	21	population	population	NOUN
ajbmeb-2983	62	22	in	in	ADP
ajbmeb-2983	62	23	the	the	DET
ajbmeb-2983	62	24	bank	bank	NOUN
ajbmeb-2983	62	25	system	system	NOUN
ajbmeb-2983	62	26	and	and	CCONJ
ajbmeb-2983	62	27	the	the	DET
ajbmeb-2983	62	28	introduction	introduction	NOUN
ajbmeb-2983	62	29	of	of	ADP
ajbmeb-2983	62	30	new	new	ADJ
ajbmeb-2983	62	31	attractive	attractive	ADJ
ajbmeb-2983	62	32	deposit	deposit	NOUN
ajbmeb-2983	62	33	types	type	NOUN
ajbmeb-2983	62	34	.	.	PUNCT
ajbmeb-2983	63	1	the	the	DET
ajbmeb-2983	63	2	attractiveness	attractiveness	NOUN
ajbmeb-2983	63	3	of	of	ADP
ajbmeb-2983	63	4	fixed	fix	VERB
ajbmeb-2983	63	5	assets	asset	NOUN
ajbmeb-2983	63	6	through	through	ADP
ajbmeb-2983	63	7	the	the	DET
ajbmeb-2983	63	8	well	well	ADV
ajbmeb-2983	63	9	-	-	PUNCT
ajbmeb-2983	63	10	developed	develop	VERB
ajbmeb-2983	63	11	deposit	deposit	NOUN
ajbmeb-2983	63	12	policy	policy	NOUN
ajbmeb-2983	63	13	by	by	ADP
ajbmeb-2983	63	14	commercial	commercial	ADJ
ajbmeb-2983	63	15	banks	bank	NOUN
ajbmeb-2983	63	16	will	will	AUX
ajbmeb-2983	63	17	help	help	VERB
ajbmeb-2983	63	18	to	to	PART
ajbmeb-2983	63	19	increase	increase	VERB
ajbmeb-2983	63	20	the	the	DET
ajbmeb-2983	63	21	resource	resource	NOUN
ajbmeb-2983	63	22	base	base	NOUN
ajbmeb-2983	63	23	of	of	ADP
ajbmeb-2983	63	24	banks	bank	NOUN
ajbmeb-2983	63	25	,	,	PUNCT
ajbmeb-2983	63	26	which	which	PRON
ajbmeb-2983	63	27	,	,	PUNCT
ajbmeb-2983	63	28	in	in	ADP
ajbmeb-2983	63	29	turn	turn	NOUN
ajbmeb-2983	63	30	,	,	PUNCT
ajbmeb-2983	63	31	will	will	AUX
ajbmeb-2983	63	32	prevent	prevent	VERB
ajbmeb-2983	63	33	the	the	DET
ajbmeb-2983	63	34	problem	problem	NOUN
ajbmeb-2983	63	35	of	of	ADP
ajbmeb-2983	63	36	lack	lack	NOUN
ajbmeb-2983	63	37	of	of	ADP
ajbmeb-2983	63	38	resources	resource	NOUN
ajbmeb-2983	63	39	in	in	ADP
ajbmeb-2983	63	40	banks	bank	NOUN
ajbmeb-2983	63	41	'	'	PART
ajbmeb-2983	63	42	lending	lending	NOUN
ajbmeb-2983	63	43	practice	practice	NOUN
ajbmeb-2983	63	44	.	.	PUNCT
ajbmeb-2983	64	1	it	it	PRON
ajbmeb-2983	64	2	is	be	AUX
ajbmeb-2983	64	3	noteworthy	noteworthy	ADJ
ajbmeb-2983	64	4	that	that	SCONJ
ajbmeb-2983	64	5	over	over	ADP
ajbmeb-2983	64	6	the	the	DET
ajbmeb-2983	64	7	past	past	ADJ
ajbmeb-2983	64	8	period	period	NOUN
ajbmeb-2983	64	9	,	,	PUNCT
ajbmeb-2983	64	10	the	the	DET
ajbmeb-2983	64	11	modern	modern	ADJ
ajbmeb-2983	64	12	banksystem	banksystem	NOUN
ajbmeb-2983	64	13	has	have	AUX
ajbmeb-2983	64	14	been	be	AUX
ajbmeb-2983	64	15	introduced	introduce	VERB
ajbmeb-2983	64	16	in	in	ADP
ajbmeb-2983	64	17	the	the	DET
ajbmeb-2983	64	18	country	country	NOUN
ajbmeb-2983	64	19	's	's	PART
ajbmeb-2983	64	20	banksystem	banksystem	NOUN
ajbmeb-2983	64	21	.	.	PUNCT
ajbmeb-2983	65	1	in	in	ADP
ajbmeb-2983	65	2	particular	particular	ADJ
ajbmeb-2983	65	3	,	,	PUNCT
ajbmeb-2983	65	4	major	major	ADJ
ajbmeb-2983	65	5	changes	change	NOUN
ajbmeb-2983	65	6	took	take	VERB
ajbmeb-2983	65	7	place	place	NOUN
ajbmeb-2983	65	8	in	in	ADP
ajbmeb-2983	65	9	the	the	DET
ajbmeb-2983	65	10	structure	structure	NOUN
ajbmeb-2983	65	11	of	of	ADP
ajbmeb-2983	65	12	commercial	commercial	ADJ
ajbmeb-2983	65	13	banks	bank	NOUN
ajbmeb-2983	65	14	.	.	PUNCT
ajbmeb-2983	66	1	in	in	ADP
ajbmeb-2983	66	2	particular	particular	ADJ
ajbmeb-2983	66	3	,	,	PUNCT
ajbmeb-2983	66	4	organizational	organizational	ADJ
ajbmeb-2983	66	5	structure	structure	NOUN
ajbmeb-2983	66	6	internal	internal	ADJ
ajbmeb-2983	66	7	factors	factor	NOUN
ajbmeb-2983	66	8	:	:	PUNCT
ajbmeb-2983	66	9	the	the	DET
ajbmeb-2983	66	10	level	level	NOUN
ajbmeb-2983	66	11	of	of	ADP
ajbmeb-2983	66	12	the	the	DET
ajbmeb-2983	66	13	bank	bank	NOUN
ajbmeb-2983	66	14	's	's	PART
ajbmeb-2983	66	15	use	use	NOUN
ajbmeb-2983	66	16	of	of	ADP
ajbmeb-2983	66	17	new	new	ADJ
ajbmeb-2983	66	18	information	information	NOUN
ajbmeb-2983	66	19	technologies	technology	NOUN
ajbmeb-2983	66	20	external	external	ADJ
ajbmeb-2983	66	21	factors	factor	NOUN
ajbmeb-2983	66	22	:	:	PUNCT
ajbmeb-2983	66	23	organizational	organizational	ADJ
ajbmeb-2983	66	24	structure	structure	NOUN
ajbmeb-2983	66	25	of	of	ADP
ajbmeb-2983	66	26	the	the	DET
ajbmeb-2983	66	27	bank	bank	PROPN
ajbmeb-2983	66	28	bank	bank	PROPN
ajbmeb-2983	66	29	management	management	NOUN
ajbmeb-2983	66	30	system	system	NOUN
ajbmeb-2983	66	31	qualifications	qualification	NOUN
ajbmeb-2983	66	32	of	of	ADP
ajbmeb-2983	66	33	bank	bank	NOUN
ajbmeb-2983	66	34	managers	manager	NOUN
ajbmeb-2983	66	35	and	and	CCONJ
ajbmeb-2983	66	36	employees	employee	NOUN
ajbmeb-2983	66	37	initiative	initiative	NOUN
ajbmeb-2983	66	38	of	of	ADP
ajbmeb-2983	66	39	bank	bank	NOUN
ajbmeb-2983	66	40	employees	employee	NOUN
ajbmeb-2983	66	41	financial	financial	ADJ
ajbmeb-2983	66	42	position	position	NOUN
ajbmeb-2983	66	43	of	of	ADP
ajbmeb-2983	66	44	the	the	DET
ajbmeb-2983	66	45	bank	bank	NOUN
ajbmeb-2983	66	46	political	political	ADJ
ajbmeb-2983	66	47	processes	process	NOUN
ajbmeb-2983	66	48	people	people	NOUN
ajbmeb-2983	66	49	's	's	PART
ajbmeb-2983	66	50	confidence	confidence	NOUN
ajbmeb-2983	66	51	in	in	ADP
ajbmeb-2983	66	52	the	the	DET
ajbmeb-2983	66	53	bank	bank	NOUN
ajbmeb-2983	66	54	central	central	PROPN
ajbmeb-2983	66	55	bank	bank	PROPN
ajbmeb-2983	66	56	requirements	requirement	NOUN
ajbmeb-2983	66	57	political	political	ADJ
ajbmeb-2983	66	58	and	and	CCONJ
ajbmeb-2983	66	59	economic	economic	ADJ
ajbmeb-2983	66	60	situations	situation	NOUN
ajbmeb-2983	66	61	income	income	NOUN
ajbmeb-2983	66	62	of	of	ADP
ajbmeb-2983	66	63	people	people	NOUN
ajbmeb-2983	66	64	inflation	inflation	NOUN
ajbmeb-2983	66	65	and	and	CCONJ
ajbmeb-2983	66	66	interest	interest	NOUN
ajbmeb-2983	66	67	rate	rate	NOUN
ajbmeb-2983	66	68	american	american	PROPN
ajbmeb-2983	66	69	journal	journal	PROPN
ajbmeb-2983	66	70	of	of	ADP
ajbmeb-2983	66	71	business	business	NOUN
ajbmeb-2983	66	72	management	management	NOUN
ajbmeb-2983	66	73	,	,	PUNCT
ajbmeb-2983	66	74	economics	economic	NOUN
ajbmeb-2983	66	75	and	and	CCONJ
ajbmeb-2983	66	76	banking	banking	NOUN
ajbmeb-2983	66	77	volume	volume	NOUN
ajbmeb-2983	66	78	37	37	NUM
ajbmeb-2983	66	79	june2025	june2025	PROPN
ajbmeb-2983	66	80	p	p	NOUN
ajbmeb-2983	66	81	a	a	DET
ajbmeb-2983	66	82	g	g	NOUN
ajbmeb-2983	66	83	e	e	NOUN
ajbmeb-2983	67	1	|	|	ADV
ajbmeb-2983	67	2	22	22	NUM
ajbmeb-2983	67	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	67	4	many	many	ADJ
ajbmeb-2983	67	5	outlets	outlet	NOUN
ajbmeb-2983	67	6	of	of	ADP
ajbmeb-2983	67	7	large	large	ADJ
ajbmeb-2983	67	8	commercial	commercial	ADJ
ajbmeb-2983	67	9	banks	bank	NOUN
ajbmeb-2983	67	10	,	,	PUNCT
ajbmeb-2983	67	11	such	such	ADJ
ajbmeb-2983	67	12	as	as	ADP
ajbmeb-2983	67	13	mini	mini	NOUN
ajbmeb-2983	67	14	-	-	NOUN
ajbmeb-2983	67	15	banks	bank	NOUN
ajbmeb-2983	67	16	and	and	CCONJ
ajbmeb-2983	67	17	fixed	fix	VERB
ajbmeb-2983	67	18	-	-	PUNCT
ajbmeb-2983	67	19	run	run	NOUN
ajbmeb-2983	67	20	cash	cash	NOUN
ajbmeb-2983	67	21	dispensers	dispenser	NOUN
ajbmeb-2983	67	22	,	,	PUNCT
ajbmeb-2983	67	23	operate	operate	VERB
ajbmeb-2983	67	24	outside	outside	ADP
ajbmeb-2983	67	25	the	the	DET
ajbmeb-2983	67	26	branch	branch	NOUN
ajbmeb-2983	67	27	offices	office	NOUN
ajbmeb-2983	67	28	.	.	PUNCT
ajbmeb-2983	68	1	when	when	SCONJ
ajbmeb-2983	68	2	analyzing	analyze	VERB
ajbmeb-2983	68	3	the	the	DET
ajbmeb-2983	68	4	deposit	deposit	NOUN
ajbmeb-2983	68	5	operations	operation	NOUN
ajbmeb-2983	68	6	of	of	ADP
ajbmeb-2983	68	7	commercial	commercial	ADJ
ajbmeb-2983	68	8	banks	bank	NOUN
ajbmeb-2983	68	9	,	,	PUNCT
ajbmeb-2983	68	10	the	the	DET
ajbmeb-2983	68	11	importance	importance	NOUN
ajbmeb-2983	68	12	of	of	ADP
ajbmeb-2983	68	13	commercial	commercial	ADJ
ajbmeb-2983	68	14	banks	bank	NOUN
ajbmeb-2983	68	15	in	in	ADP
ajbmeb-2983	68	16	this	this	DET
ajbmeb-2983	68	17	process	process	NOUN
ajbmeb-2983	68	18	is	be	AUX
ajbmeb-2983	68	19	of	of	ADP
ajbmeb-2983	68	20	particular	particular	ADJ
ajbmeb-2983	68	21	importance	importance	NOUN
ajbmeb-2983	68	22	.	.	PUNCT
ajbmeb-2983	69	1	it	it	PRON
ajbmeb-2983	69	2	is	be	AUX
ajbmeb-2983	69	3	noteworthy	noteworthy	ADJ
ajbmeb-2983	69	4	that	that	SCONJ
ajbmeb-2983	69	5	the	the	DET
ajbmeb-2983	69	6	people	people	NOUN
ajbmeb-2983	69	7	's	's	PART
ajbmeb-2983	69	8	bank	bank	NOUN
ajbmeb-2983	69	9	,	,	PUNCT
ajbmeb-2983	69	10	which	which	PRON
ajbmeb-2983	69	11	has	have	VERB
ajbmeb-2983	69	12	the	the	DET
ajbmeb-2983	69	13	largest	large	ADJ
ajbmeb-2983	69	14	number	number	NOUN
ajbmeb-2983	69	15	of	of	ADP
ajbmeb-2983	69	16	branches	branch	NOUN
ajbmeb-2983	69	17	in	in	ADP
ajbmeb-2983	69	18	the	the	DET
ajbmeb-2983	69	19	country	country	NOUN
ajbmeb-2983	69	20	,	,	PUNCT
ajbmeb-2983	69	21	has	have	AUX
ajbmeb-2983	69	22	dropped	drop	VERB
ajbmeb-2983	69	23	to	to	ADP
ajbmeb-2983	69	24	the	the	DET
ajbmeb-2983	69	25	next	next	ADJ
ajbmeb-2983	69	26	position	position	NOUN
ajbmeb-2983	69	27	.	.	PUNCT
ajbmeb-2983	70	1	developing	develop	VERB
ajbmeb-2983	70	2	a	a	DET
ajbmeb-2983	70	3	well	well	ADV
ajbmeb-2983	70	4	-	-	PUNCT
ajbmeb-2983	70	5	thought	think	VERB
ajbmeb-2983	70	6	-	-	PUNCT
ajbmeb-2983	70	7	out	out	ADP
ajbmeb-2983	70	8	strategy	strategy	NOUN
ajbmeb-2983	70	9	for	for	ADP
ajbmeb-2983	70	10	attracting	attract	VERB
ajbmeb-2983	70	11	deposits	deposit	NOUN
ajbmeb-2983	70	12	leads	lead	VERB
ajbmeb-2983	70	13	to	to	ADP
ajbmeb-2983	70	14	the	the	DET
ajbmeb-2983	70	15	increase	increase	NOUN
ajbmeb-2983	70	16	in	in	ADP
ajbmeb-2983	70	17	the	the	DET
ajbmeb-2983	70	18	bank	bank	NOUN
ajbmeb-2983	70	19	's	's	PART
ajbmeb-2983	70	20	resource	resource	NOUN
ajbmeb-2983	70	21	base	base	NOUN
ajbmeb-2983	70	22	.	.	PUNCT
ajbmeb-2983	71	1	due	due	ADP
ajbmeb-2983	71	2	to	to	ADP
ajbmeb-2983	71	3	the	the	DET
ajbmeb-2983	71	4	high	high	ADJ
ajbmeb-2983	71	5	mobility	mobility	NOUN
ajbmeb-2983	71	6	of	of	ADP
ajbmeb-2983	71	7	funds	fund	NOUN
ajbmeb-2983	71	8	on	on	ADP
ajbmeb-2983	71	9	demand	demand	NOUN
ajbmeb-2983	71	10	deposits	deposit	NOUN
ajbmeb-2983	71	11	in	in	ADP
ajbmeb-2983	71	12	commercial	commercial	ADJ
ajbmeb-2983	71	13	banks	bank	NOUN
ajbmeb-2983	71	14	,	,	PUNCT
ajbmeb-2983	71	15	the	the	DET
ajbmeb-2983	71	16	balance	balance	NOUN
ajbmeb-2983	71	17	of	of	ADP
ajbmeb-2983	71	18	these	these	DET
ajbmeb-2983	71	19	accounts	account	NOUN
ajbmeb-2983	71	20	is	be	AUX
ajbmeb-2983	71	21	unstable	unstable	ADJ
ajbmeb-2983	71	22	,	,	PUNCT
ajbmeb-2983	71	23	sometimes	sometimes	ADV
ajbmeb-2983	71	24	variable	variable	ADJ
ajbmeb-2983	71	25	.	.	PUNCT
ajbmeb-2983	72	1	the	the	DET
ajbmeb-2983	72	2	likelihood	likelihood	NOUN
ajbmeb-2983	72	3	of	of	ADP
ajbmeb-2983	72	4	the	the	DET
ajbmeb-2983	72	5	account	account	NOUN
ajbmeb-2983	72	6	holder	holder	NOUN
ajbmeb-2983	72	7	at	at	ADP
ajbmeb-2983	72	8	any	any	DET
ajbmeb-2983	72	9	time	time	NOUN
ajbmeb-2983	72	10	to	to	PART
ajbmeb-2983	72	11	require	require	VERB
ajbmeb-2983	72	12	the	the	DET
ajbmeb-2983	72	13	presence	presence	NOUN
ajbmeb-2983	72	14	of	of	ADP
ajbmeb-2983	72	15	high	high	ADJ
ajbmeb-2983	72	16	liquid	liquid	ADJ
ajbmeb-2983	72	17	assets	asset	NOUN
ajbmeb-2983	72	18	in	in	ADP
ajbmeb-2983	72	19	the	the	DET
ajbmeb-2983	72	20	bank	bank	NOUN
ajbmeb-2983	72	21	's	's	PART
ajbmeb-2983	72	22	operations.this	operations.thi	NOUN
ajbmeb-2983	72	23	is	be	AUX
ajbmeb-2983	72	24	due	due	ADJ
ajbmeb-2983	72	25	to	to	ADP
ajbmeb-2983	72	26	a	a	DET
ajbmeb-2983	72	27	reduction	reduction	NOUN
ajbmeb-2983	72	28	in	in	ADP
ajbmeb-2983	72	29	the	the	DET
ajbmeb-2983	72	30	share	share	NOUN
ajbmeb-2983	72	31	of	of	ADP
ajbmeb-2983	72	32	higher	high	ADJ
ajbmeb-2983	72	33	income	income	NOUN
ajbmeb-2983	72	34	-	-	PUNCT
ajbmeb-2983	72	35	generating	generate	VERB
ajbmeb-2983	72	36	assets	asset	NOUN
ajbmeb-2983	72	37	,	,	PUNCT
ajbmeb-2983	72	38	which	which	PRON
ajbmeb-2983	72	39	has	have	VERB
ajbmeb-2983	72	40	less	less	ADJ
ajbmeb-2983	72	41	liquidity	liquidity	NOUN
ajbmeb-2983	72	42	.	.	PUNCT
ajbmeb-2983	73	1	as	as	ADP
ajbmeb-2983	73	2	such	such	ADJ
ajbmeb-2983	73	3	,	,	PUNCT
ajbmeb-2983	73	4	the	the	DET
ajbmeb-2983	73	5	deposit	deposit	NOUN
ajbmeb-2983	73	6	account	account	NOUN
ajbmeb-2983	73	7	holder	holder	NOUN
ajbmeb-2983	73	8	will	will	AUX
ajbmeb-2983	73	9	either	either	CCONJ
ajbmeb-2983	73	10	pay	pay	VERB
ajbmeb-2983	73	11	a	a	DET
ajbmeb-2983	73	12	low	low	ADJ
ajbmeb-2983	73	13	interest	interest	NOUN
ajbmeb-2983	73	14	or	or	CCONJ
ajbmeb-2983	73	15	will	will	AUX
ajbmeb-2983	73	16	not	not	PART
ajbmeb-2983	73	17	pay	pay	VERB
ajbmeb-2983	73	18	at	at	ADV
ajbmeb-2983	73	19	all	all	ADV
ajbmeb-2983	73	20	.	.	PUNCT
ajbmeb-2983	74	1	however	however	ADV
ajbmeb-2983	74	2	,	,	PUNCT
ajbmeb-2983	74	3	despite	despite	SCONJ
ajbmeb-2983	74	4	the	the	DET
ajbmeb-2983	74	5	high	high	ADJ
ajbmeb-2983	74	6	mobility	mobility	NOUN
ajbmeb-2983	74	7	of	of	ADP
ajbmeb-2983	74	8	funds	fund	NOUN
ajbmeb-2983	74	9	on	on	ADP
ajbmeb-2983	74	10	demand	demand	NOUN
ajbmeb-2983	74	11	deposits	deposit	NOUN
ajbmeb-2983	74	12	,	,	PUNCT
ajbmeb-2983	74	13	banks	bank	NOUN
ajbmeb-2983	74	14	should	should	AUX
ajbmeb-2983	74	15	be	be	AUX
ajbmeb-2983	74	16	able	able	ADJ
ajbmeb-2983	74	17	to	to	PART
ajbmeb-2983	74	18	identify	identify	VERB
ajbmeb-2983	74	19	their	their	PRON
ajbmeb-2983	74	20	minimum	minimum	ADJ
ajbmeb-2983	74	21	,	,	PUNCT
ajbmeb-2983	74	22	permanent	permanent	ADJ
ajbmeb-2983	74	23	residue	residue	NOUN
ajbmeb-2983	74	24	and	and	CCONJ
ajbmeb-2983	74	25	use	use	VERB
ajbmeb-2983	74	26	them	they	PRON
ajbmeb-2983	74	27	as	as	ADP
ajbmeb-2983	74	28	a	a	DET
ajbmeb-2983	74	29	sustainable	sustainable	ADJ
ajbmeb-2983	74	30	credit	credit	NOUN
ajbmeb-2983	74	31	resource.time	resource.time	NOUN
ajbmeb-2983	74	32	deposits	deposit	NOUN
ajbmeb-2983	74	33	provide	provide	VERB
ajbmeb-2983	74	34	a	a	DET
ajbmeb-2983	74	35	stable	stable	ADJ
ajbmeb-2983	74	36	resource	resource	NOUN
ajbmeb-2983	74	37	base	base	NOUN
ajbmeb-2983	74	38	of	of	ADP
ajbmeb-2983	74	39	the	the	DET
ajbmeb-2983	74	40	bank	bank	NOUN
ajbmeb-2983	74	41	to	to	ADP
ajbmeb-2983	74	42	other	other	ADJ
ajbmeb-2983	74	43	types	type	NOUN
ajbmeb-2983	74	44	of	of	ADP
ajbmeb-2983	74	45	deposits	deposit	NOUN
ajbmeb-2983	74	46	.	.	PUNCT
ajbmeb-2983	75	1	therefore	therefore	ADV
ajbmeb-2983	75	2	,	,	PUNCT
ajbmeb-2983	75	3	commercial	commercial	ADJ
ajbmeb-2983	75	4	banks	bank	NOUN
ajbmeb-2983	75	5	should	should	AUX
ajbmeb-2983	75	6	strive	strive	VERB
ajbmeb-2983	75	7	to	to	PART
ajbmeb-2983	75	8	increase	increase	VERB
ajbmeb-2983	75	9	the	the	DET
ajbmeb-2983	75	10	share	share	NOUN
ajbmeb-2983	75	11	of	of	ADP
ajbmeb-2983	75	12	time	time	NOUN
ajbmeb-2983	75	13	deposits	deposit	NOUN
ajbmeb-2983	75	14	.	.	PUNCT
ajbmeb-2983	76	1	first	first	ADV
ajbmeb-2983	76	2	of	of	ADP
ajbmeb-2983	76	3	all	all	PRON
ajbmeb-2983	76	4	,	,	PUNCT
ajbmeb-2983	76	5	the	the	DET
ajbmeb-2983	76	6	commercial	commercial	ADJ
ajbmeb-2983	76	7	banks	bank	NOUN
ajbmeb-2983	76	8	are	be	AUX
ajbmeb-2983	76	9	tasked	task	VERB
ajbmeb-2983	76	10	with	with	ADP
ajbmeb-2983	76	11	developing	develop	VERB
ajbmeb-2983	76	12	a	a	DET
ajbmeb-2983	76	13	thoroughly	thoroughly	ADV
ajbmeb-2983	76	14	-	-	PUNCT
ajbmeb-2983	76	15	thought	think	VERB
ajbmeb-2983	76	16	-	-	PUNCT
ajbmeb-2983	76	17	out	out	ADP
ajbmeb-2983	76	18	policy	policy	NOUN
ajbmeb-2983	76	19	of	of	ADP
ajbmeb-2983	76	20	deposit	deposit	NOUN
ajbmeb-2983	76	21	policy	policy	NOUN
ajbmeb-2983	76	22	,	,	PUNCT
ajbmeb-2983	76	23	and	and	CCONJ
ajbmeb-2983	76	24	by	by	ADP
ajbmeb-2983	76	25	attracting	attract	VERB
ajbmeb-2983	76	26	stable	stable	ADJ
ajbmeb-2983	76	27	financial	financial	ADJ
ajbmeb-2983	76	28	resources	resource	NOUN
ajbmeb-2983	76	29	,	,	PUNCT
ajbmeb-2983	76	30	as	as	ADP
ajbmeb-2983	76	31	a	a	DET
ajbmeb-2983	76	32	result	result	NOUN
ajbmeb-2983	76	33	of	of	ADP
ajbmeb-2983	76	34	developing	develop	VERB
ajbmeb-2983	76	35	a	a	DET
ajbmeb-2983	76	36	special	special	ADJ
ajbmeb-2983	76	37	strategy	strategy	NOUN
ajbmeb-2983	76	38	for	for	ADP
ajbmeb-2983	76	39	attracting	attract	VERB
ajbmeb-2983	76	40	deposits	deposit	NOUN
ajbmeb-2983	76	41	by	by	ADP
ajbmeb-2983	76	42	the	the	DET
ajbmeb-2983	76	43	bank	bank	NOUN
ajbmeb-2983	76	44	.	.	PUNCT
ajbmeb-2983	77	1	conclusions	conclusion	NOUN
ajbmeb-2983	77	2	and	and	CCONJ
ajbmeb-2983	77	3	suggestions	suggestion	NOUN
ajbmeb-2983	77	4	in	in	ADP
ajbmeb-2983	77	5	conclusion	conclusion	NOUN
ajbmeb-2983	77	6	,	,	PUNCT
ajbmeb-2983	77	7	it	it	PRON
ajbmeb-2983	77	8	is	be	AUX
ajbmeb-2983	77	9	important	important	ADJ
ajbmeb-2983	77	10	to	to	PART
ajbmeb-2983	77	11	note	note	VERB
ajbmeb-2983	77	12	that	that	SCONJ
ajbmeb-2983	77	13	commercial	commercial	ADJ
ajbmeb-2983	77	14	banks	bank	NOUN
ajbmeb-2983	77	15	have	have	VERB
ajbmeb-2983	77	16	enough	enough	ADJ
ajbmeb-2983	77	17	involvement	involvement	NOUN
ajbmeb-2983	77	18	of	of	ADP
ajbmeb-2983	77	19	free	free	ADJ
ajbmeb-2983	77	20	money	money	NOUN
ajbmeb-2983	77	21	resources	resource	NOUN
ajbmeb-2983	77	22	in	in	ADP
ajbmeb-2983	77	23	the	the	DET
ajbmeb-2983	77	24	economy	economy	NOUN
ajbmeb-2983	77	25	and	and	CCONJ
ajbmeb-2983	77	26	the	the	DET
ajbmeb-2983	77	27	effective	effective	ADJ
ajbmeb-2983	77	28	allocation	allocation	NOUN
ajbmeb-2983	77	29	of	of	ADP
ajbmeb-2983	77	30	these	these	DET
ajbmeb-2983	77	31	funds	fund	NOUN
ajbmeb-2983	77	32	is	be	AUX
ajbmeb-2983	77	33	one	one	NUM
ajbmeb-2983	77	34	of	of	ADP
ajbmeb-2983	77	35	their	their	PRON
ajbmeb-2983	77	36	key	key	ADJ
ajbmeb-2983	77	37	tasks	task	NOUN
ajbmeb-2983	77	38	today.the	today.the	DET
ajbmeb-2983	77	39	main	main	ADJ
ajbmeb-2983	77	40	reason	reason	NOUN
ajbmeb-2983	77	41	for	for	ADP
ajbmeb-2983	77	42	this	this	PRON
ajbmeb-2983	77	43	is	be	AUX
ajbmeb-2983	77	44	the	the	DET
ajbmeb-2983	77	45	increased	increase	VERB
ajbmeb-2983	77	46	demand	demand	NOUN
ajbmeb-2983	77	47	for	for	ADP
ajbmeb-2983	77	48	financial	financial	ADJ
ajbmeb-2983	77	49	resources	resource	NOUN
ajbmeb-2983	77	50	among	among	ADP
ajbmeb-2983	77	51	commercial	commercial	ADJ
ajbmeb-2983	77	52	banks	bank	NOUN
ajbmeb-2983	77	53	,	,	PUNCT
ajbmeb-2983	77	54	which	which	PRON
ajbmeb-2983	77	55	is	be	AUX
ajbmeb-2983	77	56	the	the	DET
ajbmeb-2983	77	57	result	result	NOUN
ajbmeb-2983	77	58	of	of	ADP
ajbmeb-2983	77	59	the	the	DET
ajbmeb-2983	77	60	deepening	deepening	NOUN
ajbmeb-2983	77	61	of	of	ADP
ajbmeb-2983	77	62	market	market	NOUN
ajbmeb-2983	77	63	relations	relation	NOUN
ajbmeb-2983	77	64	and	and	CCONJ
ajbmeb-2983	77	65	further	further	ADJ
ajbmeb-2983	77	66	liberalization	liberalization	NOUN
ajbmeb-2983	77	67	of	of	ADP
ajbmeb-2983	77	68	the	the	DET
ajbmeb-2983	77	69	economy	economy	NOUN
ajbmeb-2983	77	70	.	.	PUNCT
ajbmeb-2983	78	1	as	as	ADP
ajbmeb-2983	78	2	a	a	DET
ajbmeb-2983	78	3	result	result	NOUN
ajbmeb-2983	78	4	,	,	PUNCT
ajbmeb-2983	78	5	the	the	DET
ajbmeb-2983	78	6	growing	grow	VERB
ajbmeb-2983	78	7	demand	demand	NOUN
ajbmeb-2983	78	8	for	for	ADP
ajbmeb-2983	78	9	long	long	ADJ
ajbmeb-2983	78	10	and	and	CCONJ
ajbmeb-2983	78	11	short	short	ADJ
ajbmeb-2983	78	12	term	term	NOUN
ajbmeb-2983	78	13	funds	fund	NOUN
ajbmeb-2983	78	14	in	in	ADP
ajbmeb-2983	78	15	banks	bank	NOUN
ajbmeb-2983	78	16	has	have	AUX
ajbmeb-2983	78	17	become	become	VERB
ajbmeb-2983	78	18	one	one	NUM
ajbmeb-2983	78	19	of	of	ADP
ajbmeb-2983	78	20	the	the	DET
ajbmeb-2983	78	21	important	important	ADJ
ajbmeb-2983	78	22	issues	issue	NOUN
ajbmeb-2983	78	23	in	in	ADP
ajbmeb-2983	78	24	formulating	formulate	VERB
ajbmeb-2983	78	25	and	and	CCONJ
ajbmeb-2983	78	26	managing	manage	VERB
ajbmeb-2983	78	27	these	these	DET
ajbmeb-2983	78	28	funds	fund	NOUN
ajbmeb-2983	78	29	.	.	PUNCT
ajbmeb-2983	79	1	this	this	DET
ajbmeb-2983	79	2	situation	situation	NOUN
ajbmeb-2983	79	3	positively	positively	ADV
ajbmeb-2983	79	4	affects	affect	VERB
ajbmeb-2983	79	5	the	the	DET
ajbmeb-2983	79	6	growth	growth	NOUN
ajbmeb-2983	79	7	of	of	ADP
ajbmeb-2983	79	8	free	free	ADJ
ajbmeb-2983	79	9	competition	competition	NOUN
ajbmeb-2983	79	10	among	among	ADP
ajbmeb-2983	79	11	banks	bank	NOUN
ajbmeb-2983	79	12	in	in	ADP
ajbmeb-2983	79	13	the	the	DET
ajbmeb-2983	79	14	"	"	PUNCT
ajbmeb-2983	79	15	distribution	distribution	NOUN
ajbmeb-2983	79	16	"	"	PUNCT
ajbmeb-2983	79	17	of	of	ADP
ajbmeb-2983	79	18	available	available	ADJ
ajbmeb-2983	79	19	temporarily	temporarily	ADV
ajbmeb-2983	79	20	available	available	ADJ
ajbmeb-2983	79	21	money	money	NOUN
ajbmeb-2983	79	22	resources	resource	NOUN
ajbmeb-2983	79	23	across	across	ADP
ajbmeb-2983	79	24	the	the	DET
ajbmeb-2983	79	25	country	country	NOUN
ajbmeb-2983	79	26	and	and	CCONJ
ajbmeb-2983	79	27	attraction	attraction	NOUN
ajbmeb-2983	79	28	of	of	ADP
ajbmeb-2983	79	29	additional	additional	ADJ
ajbmeb-2983	79	30	resources	resource	NOUN
ajbmeb-2983	79	31	from	from	ADP
ajbmeb-2983	79	32	the	the	DET
ajbmeb-2983	79	33	financial	financial	ADJ
ajbmeb-2983	79	34	market	market	NOUN
ajbmeb-2983	79	35	.	.	PUNCT
ajbmeb-2983	80	1	based	base	VERB
ajbmeb-2983	80	2	on	on	ADP
ajbmeb-2983	80	3	the	the	DET
ajbmeb-2983	80	4	above	above	ADJ
ajbmeb-2983	80	5	research	research	NOUN
ajbmeb-2983	80	6	and	and	CCONJ
ajbmeb-2983	80	7	analysis	analysis	NOUN
ajbmeb-2983	80	8	,	,	PUNCT
ajbmeb-2983	80	9	the	the	DET
ajbmeb-2983	80	10	following	follow	VERB
ajbmeb-2983	80	11	recommendations	recommendation	NOUN
ajbmeb-2983	80	12	have	have	AUX
ajbmeb-2983	80	13	been	be	AUX
ajbmeb-2983	80	14	developed	develop	VERB
ajbmeb-2983	80	15	:	:	PUNCT
ajbmeb-2983	80	16	systematic	systematic	ADJ
ajbmeb-2983	80	17	introduction	introduction	NOUN
ajbmeb-2983	80	18	of	of	ADP
ajbmeb-2983	80	19	new	new	ADJ
ajbmeb-2983	80	20	attractive	attractive	ADJ
ajbmeb-2983	80	21	types	type	NOUN
ajbmeb-2983	80	22	of	of	ADP
ajbmeb-2983	80	23	deposits	deposit	NOUN
ajbmeb-2983	80	24	and	and	CCONJ
ajbmeb-2983	80	25	deposits	deposit	NOUN
ajbmeb-2983	80	26	,	,	PUNCT
ajbmeb-2983	80	27	taking	take	VERB
ajbmeb-2983	80	28	into	into	ADP
ajbmeb-2983	80	29	account	account	NOUN
ajbmeb-2983	80	30	the	the	DET
ajbmeb-2983	80	31	needs	need	NOUN
ajbmeb-2983	80	32	and	and	CCONJ
ajbmeb-2983	80	33	wishes	wish	NOUN
ajbmeb-2983	80	34	of	of	ADP
ajbmeb-2983	80	35	the	the	DET
ajbmeb-2983	80	36	population	population	NOUN
ajbmeb-2983	80	37	and	and	CCONJ
ajbmeb-2983	80	38	business	business	NOUN
ajbmeb-2983	80	39	entities	entity	NOUN
ajbmeb-2983	80	40	by	by	ADP
ajbmeb-2983	80	41	commercial	commercial	ADJ
ajbmeb-2983	80	42	banks	bank	NOUN
ajbmeb-2983	80	43	;	;	PUNCT
ajbmeb-2983	80	44	development	development	NOUN
ajbmeb-2983	80	45	of	of	ADP
ajbmeb-2983	80	46	requirements	requirement	NOUN
ajbmeb-2983	80	47	to	to	ADP
ajbmeb-2983	80	48	the	the	DET
ajbmeb-2983	80	49	deposit	deposit	NOUN
ajbmeb-2983	80	50	policy	policy	NOUN
ajbmeb-2983	80	51	of	of	ADP
ajbmeb-2983	80	52	the	the	DET
ajbmeb-2983	80	53	commercial	commercial	ADJ
ajbmeb-2983	80	54	banks	bank	NOUN
ajbmeb-2983	80	55	by	by	ADP
ajbmeb-2983	80	56	the	the	DET
ajbmeb-2983	80	57	central	central	PROPN
ajbmeb-2983	80	58	bank	bank	NOUN
ajbmeb-2983	80	59	;	;	PUNCT
ajbmeb-2983	80	60	development	development	NOUN
ajbmeb-2983	80	61	of	of	ADP
ajbmeb-2983	80	62	short	short	ADJ
ajbmeb-2983	80	63	and	and	CCONJ
ajbmeb-2983	80	64	long	long	ADJ
ajbmeb-2983	80	65	-	-	PUNCT
ajbmeb-2983	80	66	term	term	NOUN
ajbmeb-2983	80	67	bank	bank	NOUN
ajbmeb-2983	80	68	strategies	strategy	NOUN
ajbmeb-2983	80	69	to	to	PART
ajbmeb-2983	80	70	attract	attract	VERB
ajbmeb-2983	80	71	deposits	deposit	NOUN
ajbmeb-2983	80	72	to	to	ADP
ajbmeb-2983	80	73	commercial	commercial	ADJ
ajbmeb-2983	80	74	banks	bank	NOUN
ajbmeb-2983	80	75	;	;	PUNCT
ajbmeb-2983	80	76	development	development	NOUN
ajbmeb-2983	80	77	of	of	ADP
ajbmeb-2983	80	78	practice	practice	NOUN
ajbmeb-2983	80	79	of	of	ADP
ajbmeb-2983	80	80	deposit	deposit	NOUN
ajbmeb-2983	80	81	certification	certification	NOUN
ajbmeb-2983	80	82	by	by	ADP
ajbmeb-2983	80	83	banks	bank	NOUN
ajbmeb-2983	80	84	;	;	PUNCT
ajbmeb-2983	80	85	strengthening	strengthen	VERB
ajbmeb-2983	80	86	the	the	DET
ajbmeb-2983	80	87	bank	bank	NOUN
ajbmeb-2983	80	88	's	's	PART
ajbmeb-2983	80	89	resource	resource	NOUN
ajbmeb-2983	80	90	base	base	NOUN
ajbmeb-2983	80	91	by	by	ADP
ajbmeb-2983	80	92	expanding	expand	VERB
ajbmeb-2983	80	93	the	the	DET
ajbmeb-2983	80	94	practice	practice	NOUN
ajbmeb-2983	80	95	of	of	ADP
ajbmeb-2983	80	96	attracting	attract	VERB
ajbmeb-2983	80	97	interbank	interbank	NOUN
ajbmeb-2983	80	98	deposits	deposit	NOUN
ajbmeb-2983	80	99	.	.	PUNCT
ajbmeb-2983	81	1	we	we	PRON
ajbmeb-2983	81	2	believe	believe	VERB
ajbmeb-2983	81	3	that	that	SCONJ
ajbmeb-2983	81	4	introduction	introduction	NOUN
ajbmeb-2983	81	5	of	of	ADP
ajbmeb-2983	81	6	the	the	DET
ajbmeb-2983	81	7	above	above	ADJ
ajbmeb-2983	81	8	proposals	proposal	NOUN
ajbmeb-2983	81	9	will	will	AUX
ajbmeb-2983	81	10	help	help	VERB
ajbmeb-2983	81	11	commercial	commercial	ADJ
ajbmeb-2983	81	12	banks	bank	NOUN
ajbmeb-2983	81	13	of	of	ADP
ajbmeb-2983	81	14	our	our	PRON
ajbmeb-2983	81	15	country	country	NOUN
ajbmeb-2983	81	16	to	to	PART
ajbmeb-2983	81	17	develop	develop	VERB
ajbmeb-2983	81	18	deposit	deposit	NOUN
ajbmeb-2983	81	19	operations	operation	NOUN
ajbmeb-2983	81	20	and	and	CCONJ
ajbmeb-2983	81	21	,	,	PUNCT
ajbmeb-2983	81	22	consequently	consequently	ADV
ajbmeb-2983	81	23	,	,	PUNCT
ajbmeb-2983	81	24	to	to	PART
ajbmeb-2983	81	25	expand	expand	VERB
ajbmeb-2983	81	26	the	the	DET
ajbmeb-2983	81	27	deposit	deposit	NOUN
ajbmeb-2983	81	28	base	base	NOUN
ajbmeb-2983	81	29	of	of	ADP
ajbmeb-2983	81	30	banks	bank	NOUN
ajbmeb-2983	81	31	.	.	PUNCT
ajbmeb-2983	82	1	references	reference	NOUN
ajbmeb-2983	82	2	1	1	NUM
ajbmeb-2983	82	3	.	.	PUNCT
ajbmeb-2983	82	4	decree	decree	NOUN
ajbmeb-2983	82	5	no	no	INTJ
ajbmeb-2983	82	6	.	.	PUNCT
ajbmeb-2983	83	1	pf-158	pf-158	PROPN
ajbmeb-2983	83	2	of	of	ADP
ajbmeb-2983	83	3	the	the	DET
ajbmeb-2983	83	4	president	president	NOUN
ajbmeb-2983	83	5	of	of	ADP
ajbmeb-2983	83	6	the	the	DET
ajbmeb-2983	83	7	republic	republic	NOUN
ajbmeb-2983	83	8	of	of	ADP
ajbmeb-2983	83	9	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	83	10	"	"	PUNCT
ajbmeb-2983	83	11	on	on	ADP
ajbmeb-2983	83	12	the	the	DET
ajbmeb-2983	83	13	strategy	strategy	NOUN
ajbmeb-2983	83	14	'	'	PUNCT
ajbmeb-2983	83	15	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	83	16	—	—	PUNCT
ajbmeb-2983	83	17	2030	2030	NUM
ajbmeb-2983	83	18	'	'	PUNCT
ajbmeb-2983	83	19	"	"	PUNCT
ajbmeb-2983	83	20	dated	date	VERB
ajbmeb-2983	83	21	september	september	PROPN
ajbmeb-2983	83	22	11	11	NUM
ajbmeb-2983	83	23	,	,	PUNCT
ajbmeb-2983	83	24	2023	2023	NUM
ajbmeb-2983	83	25	//	//	NOUN
ajbmeb-2983	83	26	lex.uz	lex.uz	PROPN
ajbmeb-2983	83	27	.	.	PUNCT
ajbmeb-2983	84	1	2	2	NUM
ajbmeb-2983	84	2	.	.	X
ajbmeb-2983	84	3	decree	decree	NOUN
ajbmeb-2983	84	4	of	of	ADP
ajbmeb-2983	84	5	the	the	DET
ajbmeb-2983	84	6	president	president	NOUN
ajbmeb-2983	84	7	of	of	ADP
ajbmeb-2983	84	8	the	the	DET
ajbmeb-2983	84	9	republic	republic	NOUN
ajbmeb-2983	84	10	of	of	ADP
ajbmeb-2983	84	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	84	12	dated	date	VERB
ajbmeb-2983	84	13	february	february	PROPN
ajbmeb-2983	84	14	7	7	NUM
ajbmeb-2983	84	15	,	,	PUNCT
ajbmeb-2983	84	16	2017	2017	NUM
ajbmeb-2983	84	17	"	"	PUNCT
ajbmeb-2983	84	18	on	on	ADP
ajbmeb-2983	84	19	the	the	DET
ajbmeb-2983	84	20	strategy	strategy	NOUN
ajbmeb-2983	84	21	for	for	ADP
ajbmeb-2983	84	22	the	the	DET
ajbmeb-2983	84	23	further	further	ADJ
ajbmeb-2983	84	24	development	development	NOUN
ajbmeb-2983	84	25	of	of	ADP
ajbmeb-2983	84	26	the	the	DET
ajbmeb-2983	84	27	republic	republic	NOUN
ajbmeb-2983	84	28	of	of	ADP
ajbmeb-2983	84	29	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	84	30	"	"	PUNCT
ajbmeb-2983	84	31	no	no	PROPN
ajbmeb-2983	84	32	.	.	PUNCT
ajbmeb-2983	85	1	up-4947	up-4947	PROPN
ajbmeb-2983	85	2	//	//	PROPN
ajbmeb-2983	86	1	lex.uz	lex.uz	PROPN
ajbmeb-2983	86	2	.	.	PUNCT
ajbmeb-2983	87	1	american	american	PROPN
ajbmeb-2983	87	2	journal	journal	PROPN
ajbmeb-2983	87	3	of	of	ADP
ajbmeb-2983	87	4	business	business	NOUN
ajbmeb-2983	87	5	management	management	NOUN
ajbmeb-2983	87	6	,	,	PUNCT
ajbmeb-2983	87	7	economics	economic	NOUN
ajbmeb-2983	87	8	and	and	CCONJ
ajbmeb-2983	87	9	banking	banking	NOUN
ajbmeb-2983	87	10	volume	volume	NOUN
ajbmeb-2983	87	11	37	37	NUM
ajbmeb-2983	87	12	june2025	june2025	PROPN
ajbmeb-2983	87	13	p	p	NOUN
ajbmeb-2983	87	14	a	a	PRON
ajbmeb-2983	87	15	g	g	NOUN
ajbmeb-2983	87	16	e	e	NOUN
ajbmeb-2983	87	17	|	|	ADV
ajbmeb-2983	87	18	23	23	NUM
ajbmeb-2983	87	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-2983	87	20	3.banking	3.banking	NUM
ajbmeb-2983	87	21	.	.	PUNCT
ajbmeb-2983	88	1	express	express	ADJ
ajbmeb-2983	88	2	course	course	NOUN
ajbmeb-2983	88	3	:	:	PUNCT
ajbmeb-2983	88	4	textbook	textbook	NOUN
ajbmeb-2983	88	5	/	/	SYM
ajbmeb-2983	88	6	count	count	NOUN
ajbmeb-2983	88	7	.	.	PUNCT
ajbmeb-2983	89	1	authors	author	NOUN
ajbmeb-2983	89	2	;	;	PUNCT
ajbmeb-2983	89	3	by	by	ADP
ajbmeb-2983	89	4	ed	ed	NOUN
ajbmeb-2983	89	5	.	.	PUNCT
ajbmeb-2983	90	1	o.i	o.i	PROPN
ajbmeb-2983	90	2	.	.	PROPN
ajbmeb-2983	90	3	lavrushina	lavrushina	PROPN
ajbmeb-2983	90	4	.	.	PUNCT
ajbmeb-2983	91	1	3rd	3rd	ADJ
ajbmeb-2983	91	2	ed	ed	NOUN
ajbmeb-2983	91	3	.	.	PROPN
ajbmeb-2983	91	4	,	,	PUNCT
ajbmeb-2983	91	5	pererab	pererab	NOUN
ajbmeb-2983	91	6	.	.	PUNCT
ajbmeb-2983	92	1	and	and	CCONJ
ajbmeb-2983	92	2	add	add	VERB
ajbmeb-2983	92	3	.	.	PUNCT
ajbmeb-2983	93	1	m	m	VERB
ajbmeb-2983	93	2	.	.	PUNCT
ajbmeb-2983	93	3	:	:	PUNCT
ajbmeb-2983	94	1	knorus	knorus	PROPN
ajbmeb-2983	94	2	,	,	PUNCT
ajbmeb-2983	94	3	2009.-352с	2009.-352с	PROPN
ajbmeb-2983	94	4	.	.	PROPN
ajbmeb-2983	95	1	4	4	NUM
ajbmeb-2983	95	2	.	.	NOUN
ajbmeb-2983	95	3	instruction	instruction	NOUN
ajbmeb-2983	95	4	of	of	ADP
ajbmeb-2983	95	5	the	the	DET
ajbmeb-2983	95	6	central	central	ADJ
ajbmeb-2983	95	7	bank	bank	NOUN
ajbmeb-2983	95	8	of	of	ADP
ajbmeb-2983	95	9	the	the	DET
ajbmeb-2983	95	10	republic	republic	NOUN
ajbmeb-2983	95	11	of	of	ADP
ajbmeb-2983	95	12	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	95	13	№	№	VERB
ajbmeb-2983	95	14	2711	2711	NUM
ajbmeb-2983	95	15	"	"	PUNCT
ajbmeb-2983	95	16	on	on	ADP
ajbmeb-2983	95	17	the	the	DET
ajbmeb-2983	95	18	order	order	NOUN
ajbmeb-2983	95	19	of	of	ADP
ajbmeb-2983	95	20	deposit	deposit	NOUN
ajbmeb-2983	95	21	operations	operation	NOUN
ajbmeb-2983	95	22	in	in	ADP
ajbmeb-2983	95	23	banks	bank	NOUN
ajbmeb-2983	95	24	of	of	ADP
ajbmeb-2983	95	25	the	the	DET
ajbmeb-2983	95	26	republic	republic	NOUN
ajbmeb-2983	95	27	of	of	ADP
ajbmeb-2983	95	28	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	95	29	"	"	PUNCT
ajbmeb-2983	95	30	,	,	PUNCT
ajbmeb-2983	95	31	august	august	PROPN
ajbmeb-2983	95	32	26	26	NUM
ajbmeb-2983	95	33	,	,	PUNCT
ajbmeb-2983	95	34	2015	2015	NUM
ajbmeb-2983	95	35	.	.	PUNCT
ajbmeb-2983	96	1	www.cbu.uz	www.cbu.uz	PROPN
ajbmeb-2983	96	2	5	5	NUM
ajbmeb-2983	96	3	.	.	PUNCT
ajbmeb-2983	97	1	zhukova	zhukova	PROPN
ajbmeb-2983	97	2	e.f	e.f	PROPN
ajbmeb-2983	97	3	.	.	PROPN
ajbmeb-2983	97	4	,	,	PUNCT
ajbmeb-2983	97	5	eriashvili	eriashvili	PROPN
ajbmeb-2983	97	6	n.d	n.d	PROPN
ajbmeb-2983	97	7	.	.	PROPN
ajbmeb-2983	97	8	banking	banking	NOUN
ajbmeb-2983	97	9	:	:	PUNCT
ajbmeb-2983	97	10	a	a	DET
ajbmeb-2983	97	11	textbook	textbook	NOUN
ajbmeb-2983	97	12	.	.	PUNCT
ajbmeb-2983	98	1	“	"	PUNCT
ajbmeb-2983	98	2	finance	finance	NOUN
ajbmeb-2983	98	3	and	and	CCONJ
ajbmeb-2983	98	4	credit	credit	NOUN
ajbmeb-2983	98	5	”	"	PUNCT
ajbmeb-2983	98	6	.	.	PUNCT
ajbmeb-2983	99	1	4th	4th	ADJ
ajbmeb-2983	99	2	ed	ed	NOUN
ajbmeb-2983	99	3	.	.	PROPN
ajbmeb-2983	99	4	,	,	PUNCT
ajbmeb-2983	99	5	prerab	prerab	NOUN
ajbmeb-2983	99	6	.	.	PUNCT
ajbmeb-2983	100	1	and	and	CCONJ
ajbmeb-2983	100	2	add	add	VERB
ajbmeb-2983	100	3	.	.	PUNCT
ajbmeb-2983	101	1	m	m	VERB
ajbmeb-2983	101	2	.	.	PUNCT
ajbmeb-2983	101	3	:	:	PUNCT
ajbmeb-2983	102	1	unity	unity	NOUN
ajbmeb-2983	102	2	-	-	PUNCT
ajbmeb-2983	102	3	dana	dana	PROPN
ajbmeb-2983	102	4	,	,	PUNCT
ajbmeb-2983	102	5	2018	2018	NUM
ajbmeb-2983	102	6	.	.	PUNCT
ajbmeb-2983	103	1	169	169	NUM
ajbmeb-2983	103	2	p.	p.	NOUN
ajbmeb-2983	103	3	6	6	NUM
ajbmeb-2983	103	4	.	.	PUNCT
ajbmeb-2983	104	1	rozanov	rozanov	VERB
ajbmeb-2983	104	2	n.m	n.m	PROPN
ajbmeb-2983	104	3	.	.	PROPN
ajbmeb-2983	104	4	money	money	NOUN
ajbmeb-2983	104	5	and	and	CCONJ
ajbmeb-2983	104	6	banks	bank	NOUN
ajbmeb-2983	104	7	:	:	PUNCT
ajbmeb-2983	104	8	a	a	DET
ajbmeb-2983	104	9	textbook	textbook	NOUN
ajbmeb-2983	104	10	.	.	PUNCT
ajbmeb-2983	105	1	m	m	VERB
ajbmeb-2983	105	2	.	.	PUNCT
ajbmeb-2983	105	3	:	:	PUNCT
ajbmeb-2983	106	1	publishing	publish	VERB
ajbmeb-2983	106	2	house	house	PROPN
ajbmeb-2983	106	3	yurayt	yurayt	PROPN
ajbmeb-2983	106	4	,	,	PUNCT
ajbmeb-2983	106	5	2018	2018	NUM
ajbmeb-2983	106	6	.	.	PUNCT
ajbmeb-2983	107	1	241	241	NUM
ajbmeb-2983	108	1	p.	p.	NOUN
ajbmeb-2983	108	2	7	7	NUM
ajbmeb-2983	108	3	.	.	PUNCT
ajbmeb-2983	109	1	azizov	azizov	PROPN
ajbmeb-2983	109	2	u.u	u.u	PROPN
ajbmeb-2983	109	3	.	.	PUNCT
ajbmeb-2983	110	1	the	the	DET
ajbmeb-2983	110	2	impact	impact	NOUN
ajbmeb-2983	110	3	of	of	ADP
ajbmeb-2983	110	4	monetary	monetary	ADJ
ajbmeb-2983	110	5	policy	policy	NOUN
ajbmeb-2983	110	6	on	on	ADP
ajbmeb-2983	110	7	stimulating	stimulate	VERB
ajbmeb-2983	110	8	economic	economic	ADJ
ajbmeb-2983	110	9	growth	growth	NOUN
ajbmeb-2983	110	10	.	.	PUNCT
ajbmeb-2983	111	1	international	international	ADJ
ajbmeb-2983	111	2	journal	journal	PROPN
ajbmeb-2983	111	3	of	of	ADP
ajbmeb-2983	111	4	economics	economic	NOUN
ajbmeb-2983	111	5	,	,	PUNCT
ajbmeb-2983	111	6	commerce	commerce	NOUN
ajbmeb-2983	111	7	and	and	CCONJ
ajbmeb-2983	111	8	management	management	NOUN
ajbmeb-2983	111	9	.	.	PUNCT
ajbmeb-2983	112	1	united	united	PROPN
ajbmeb-2983	112	2	kingdom	kingdom	PROPN
ajbmeb-2983	112	3	http://ijecm.co.uk/.	http://ijecm.co.uk/.	PROPN
ajbmeb-2983	112	4	vol	vol	NOUN
ajbmeb-2983	112	5	.	.	PUNCT
ajbmeb-2983	113	1	vii	vii	PROPN
ajbmeb-2983	113	2	,	,	PUNCT
ajbmeb-2983	113	3	issue	issue	NOUN
ajbmeb-2983	113	4	4	4	NUM
ajbmeb-2983	113	5	,	,	PUNCT
ajbmeb-2983	113	6	april	april	PROPN
ajbmeb-2983	113	7	2019	2019	NUM
ajbmeb-2983	113	8	.	.	PUNCT
ajbmeb-2983	114	1	issn	issn	PROPN
ajbmeb-2983	114	2	2348	2348	NUM
ajbmeb-2983	114	3	0386	0386	NUM
ajbmeb-2983	114	4	.	.	PUNCT
ajbmeb-2983	115	1	(	(	PUNCT
ajbmeb-2983	115	2	scopus	scopus	NOUN
ajbmeb-2983	115	3	,	,	PUNCT
ajbmeb-2983	115	4	impact	impact	NOUN
ajbmeb-2983	115	5	factor	factor	NOUN
ajbmeb-2983	115	6	#	#	NOUN
ajbmeb-2983	115	7	5,8	5,8	NUM
ajbmeb-2983	115	8	)	)	PUNCT
ajbmeb-2983	115	9	.	.	PUNCT
ajbmeb-2983	116	1	8	8	X
ajbmeb-2983	116	2	.	.	X
ajbmeb-2983	116	3	abdullayeva	abdullayeva	PROPN
ajbmeb-2983	116	4	sh.z	sh.z	PROPN
ajbmeb-2983	116	5	.	.	PUNCT
ajbmeb-2983	117	1	banking	banking	NOUN
ajbmeb-2983	117	2	.	.	PUNCT
ajbmeb-2983	118	1	textbook	textbook	NOUN
ajbmeb-2983	118	2	.	.	PUNCT
ajbmeb-2983	119	1	-t	-t	PUNCT
ajbmeb-2983	119	2	.	.	PUNCT
ajbmeb-2983	119	3	:	:	PUNCT
ajbmeb-2983	120	1	tmi	tmi	PROPN
ajbmeb-2983	120	2	,	,	PUNCT
ajbmeb-2983	120	3	economics	economic	NOUN
ajbmeb-2983	120	4	-finance	-finance	NOUN
ajbmeb-2983	120	5	,	,	PUNCT
ajbmeb-2983	120	6	2017	2017	NUM
ajbmeb-2983	120	7	,	,	PUNCT
ajbmeb-2983	120	8	p.	p.	NOUN
ajbmeb-2983	120	9	9	9	NUM
ajbmeb-2983	120	10	.	.	PUNCT
ajbmeb-2983	121	1	omonov	omonov	PROPN
ajbmeb-2983	121	2	а.а	а.а	PROPN
ajbmeb-2983	121	3	.	.	PROPN
ajbmeb-2983	121	4	effective	effective	ADJ
ajbmeb-2983	121	5	management	management	NOUN
ajbmeb-2983	121	6	of	of	ADP
ajbmeb-2983	121	7	commercial	commercial	ADJ
ajbmeb-2983	121	8	banks	bank	NOUN
ajbmeb-2983	121	9	'	'	PART
ajbmeb-2983	121	10	resources	resource	NOUN
ajbmeb-2983	121	11	.	.	PUNCT
ajbmeb-2983	122	1	dissertation	dissertation	NOUN
ajbmeb-2983	122	2	presentations	presentation	NOUN
ajbmeb-2983	122	3	for	for	ADP
ajbmeb-2983	122	4	the	the	DET
ajbmeb-2983	122	5	doctor	doctor	NOUN
ajbmeb-2983	122	6	of	of	ADP
ajbmeb-2983	122	7	economics	economic	NOUN
ajbmeb-2983	122	8	degree	degree	NOUN
ajbmeb-2983	122	9	t	t	PROPN
ajbmeb-2983	122	10	.	.	PUNCT
ajbmeb-2983	122	11	:	:	PUNCT
ajbmeb-2983	123	1	bfa	bfa	PROPN
ajbmeb-2983	123	2	,	,	PUNCT
ajbmeb-2983	123	3	2008	2008	NUM
ajbmeb-2983	123	4	.	.	PUNCT
ajbmeb-2983	124	1	p.	p.	NOUN
ajbmeb-2983	124	2	10	10	NUM
ajbmeb-2983	124	3	.	.	PUNCT
ajbmeb-2983	125	1	mirzayev	mirzayev	PROPN
ajbmeb-2983	125	2	f.i	f.i	PROPN
ajbmeb-2983	125	3	.	.	PUNCT
ajbmeb-2983	126	1	the	the	DET
ajbmeb-2983	126	2	conceptual	conceptual	ADJ
ajbmeb-2983	126	3	basis	basis	NOUN
ajbmeb-2983	126	4	of	of	ADP
ajbmeb-2983	126	5	the	the	DET
ajbmeb-2983	126	6	formation	formation	NOUN
ajbmeb-2983	126	7	of	of	ADP
ajbmeb-2983	126	8	interbank	interbank	NOUN
ajbmeb-2983	126	9	competition	competition	NOUN
ajbmeb-2983	126	10	in	in	ADP
ajbmeb-2983	126	11	uzbekistan	uzbekistan	PROPN
ajbmeb-2983	126	12	.	.	PUNCT
ajbmeb-2983	127	1	dissertation	dissertation	NOUN
ajbmeb-2983	127	2	reviewer	reviewer	NOUN
ajbmeb-2983	127	3	's	's	PART
ajbmeb-2983	127	4	dissertation	dissertation	NOUN
ajbmeb-2983	127	5	for	for	ADP
ajbmeb-2983	127	6	the	the	DET
ajbmeb-2983	127	7	degree	degree	NOUN
ajbmeb-2983	127	8	of	of	ADP
ajbmeb-2983	127	9	doctor	doctor	NOUN
ajbmeb-2983	127	10	of	of	ADP
ajbmeb-2983	127	11	economics	economic	NOUN
ajbmeb-2983	127	12	,	,	PUNCT
ajbmeb-2983	127	13	t	t	PROPN
ajbmeb-2983	127	14	.	.	PUNCT
ajbmeb-2983	127	15	:	:	PUNCT
ajbmeb-2983	127	16	bfa	bfa	PROPN
ajbmeb-2983	127	17	,	,	PUNCT
ajbmeb-2983	127	18	2009	2009	NUM
ajbmeb-2983	127	19	.	.	PUNCT
ajbmeb-2983	128	1	11	11	NUM
ajbmeb-2983	128	2	p.	p.	NOUN
ajbmeb-2983	128	3	11	11	NUM
ajbmeb-2983	128	4	.	.	PUNCT
ajbmeb-2983	129	1	parpiev	parpiev	PROPN
ajbmeb-2983	129	2	b.b	b.b	PROPN
ajbmeb-2983	129	3	.	.	PROPN
ajbmeb-2983	129	4	forming	form	VERB
ajbmeb-2983	129	5	a	a	DET
ajbmeb-2983	129	6	marketing	marketing	NOUN
ajbmeb-2983	129	7	strategy	strategy	NOUN
ajbmeb-2983	129	8	of	of	ADP
ajbmeb-2983	129	9	attracting	attract	VERB
ajbmeb-2983	129	10	free	free	ADJ
ajbmeb-2983	129	11	funds	fund	NOUN
ajbmeb-2983	129	12	of	of	ADP
ajbmeb-2983	129	13	population	population	NOUN
ajbmeb-2983	129	14	and	and	CCONJ
ajbmeb-2983	129	15	business	business	NOUN
ajbmeb-2983	129	16	entities	entity	NOUN
ajbmeb-2983	129	17	to	to	ADP
ajbmeb-2983	129	18	bank	bank	NOUN
ajbmeb-2983	129	19	deposits	deposit	NOUN
ajbmeb-2983	129	20	.	.	PUNCT
ajbmeb-2983	130	1	dissertation	dissertation	NOUN
ajbmeb-2983	130	2	presentations	presentation	NOUN
ajbmeb-2983	130	3	for	for	ADP
ajbmeb-2983	130	4	the	the	DET
ajbmeb-2983	130	5	degree	degree	NOUN
ajbmeb-2983	130	6	of	of	ADP
ajbmeb-2983	130	7	candidate	candidate	NOUN
ajbmeb-2983	130	8	of	of	ADP
ajbmeb-2983	130	9	economical	economical	ADJ
ajbmeb-2983	130	10	sciences	science	NOUN
ajbmeb-2983	130	11	t	t	NOUN
ajbmeb-2983	130	12	.	.	PUNCT
ajbmeb-2983	130	13	:	:	PUNCT
ajbmeb-2983	131	1	tdiu	tdiu	NOUN
ajbmeb-2983	131	2	,	,	PUNCT
ajbmeb-2983	131	3	2010	2010	NUM
ajbmeb-2983	131	4	.	.	PUNCT
ajbmeb-2983	132	1	9	9	NUM
ajbmeb-2983	132	2	p.	p.	NOUN
ajbmeb-2983	132	3	12	12	NUM
ajbmeb-2983	132	4	.	.	PUNCT
ajbmeb-2983	133	1	igamberdiyev	igamberdiyev	PROPN
ajbmeb-2983	134	1	s.kh	s.kh	PROPN
ajbmeb-2983	134	2	.	.	PUNCT
ajbmeb-2983	134	3	improvement	improvement	NOUN
ajbmeb-2983	134	4	of	of	ADP
ajbmeb-2983	134	5	management	management	NOUN
ajbmeb-2983	134	6	of	of	ADP
ajbmeb-2983	134	7	investment	investment	NOUN
ajbmeb-2983	134	8	banking	banking	NOUN
ajbmeb-2983	134	9	.	.	PUNCT
ajbmeb-2983	135	1	phd	phd	NOUN
ajbmeb-2983	135	2	thesis	thesis	NOUN
ajbmeb-2983	135	3	dissertation	dissertation	NOUN
ajbmeb-2983	135	4	in	in	ADP
ajbmeb-2983	135	5	economics	economic	NOUN
ajbmeb-2983	135	6	,	,	PUNCT
ajbmeb-2983	135	7	t	t	PROPN
ajbmeb-2983	135	8	.	.	PUNCT
ajbmeb-2983	135	9	:	:	PUNCT
ajbmeb-2983	136	1	tdiu	tdiu	NOUN
ajbmeb-2983	136	2	,	,	PUNCT
ajbmeb-2983	136	3	2018	2018	NUM
ajbmeb-2983	136	4	.	.	PUNCT
ajbmeb-2983	137	1	18	18	NUM
ajbmeb-2983	137	2	b.	b.	NOUN
ajbmeb-2983	137	3	13	13	NUM
ajbmeb-2983	137	4	.	.	PUNCT
ajbmeb-2983	138	1	azizov	azizov	PROPN
ajbmeb-2983	138	2	u.o	u.o	PROPN
ajbmeb-2983	138	3	,	,	PUNCT
ajbmeb-2983	138	4	qoraliev	qoraliev	ADV
ajbmeb-2983	138	5	t.m	t.m	PROPN
ajbmeb-2983	138	6	.	.	PROPN
ajbmeb-2983	138	7	and	and	CCONJ
ajbmeb-2983	138	8	so	so	ADV
ajbmeb-2983	138	9	on	on	ADV
ajbmeb-2983	138	10	.	.	PUNCT
ajbmeb-2983	139	1	banking	banking	NOUN
ajbmeb-2983	139	2	.	.	PUNCT
ajbmeb-2983	140	1	textbook	textbook	NOUN
ajbmeb-2983	140	2	.	.	PUNCT
ajbmeb-2983	141	1	t	t	PROPN
ajbmeb-2983	141	2	.	.	PUNCT
ajbmeb-2983	141	3	:	:	PUNCT
ajbmeb-2983	142	1	science	science	NOUN
ajbmeb-2983	142	2	and	and	CCONJ
ajbmeb-2983	142	3	technology	technology	NOUN
ajbmeb-2983	142	4	,	,	PUNCT
ajbmeb-2983	142	5	2016	2016	NUM
ajbmeb-2983	142	6	.	.	PUNCT
ajbmeb-2983	143	1	132b	132b	PROPN
ajbmeb-2983	143	2	.	.	PUNCT
ajbmeb-2983	144	1	http://ijecm.co.uk/	http://ijecm.co.uk/	PROPN