id	sid	tid	token	lemma	pos
ajbmeb-3016	1	1	american	american	PROPN
ajbmeb-3016	1	2	journal	journal	PROPN
ajbmeb-3016	1	3	of	of	ADP
ajbmeb-3016	1	4	business	business	NOUN
ajbmeb-3016	1	5	management	management	NOUN
ajbmeb-3016	1	6	,	,	PUNCT
ajbmeb-3016	1	7	economics	economic	NOUN
ajbmeb-3016	1	8	and	and	CCONJ
ajbmeb-3016	1	9	banking	banking	NOUN
ajbmeb-3016	1	10	issn	issn	PROPN
ajbmeb-3016	1	11	(	(	PUNCT
ajbmeb-3016	1	12	e	e	NOUN
ajbmeb-3016	1	13	):	):	PUNCT
ajbmeb-3016	1	14	2832	2832	NUM
ajbmeb-3016	1	15	-	-	SYM
ajbmeb-3016	1	16	8078	8078	NUM
ajbmeb-3016	1	17	volume	volume	NOUN
ajbmeb-3016	1	18	37	37	NUM
ajbmeb-3016	1	19	,	,	PUNCT
ajbmeb-3016	1	20	june	june	PROPN
ajbmeb-3016	1	21	2025	2025	NUM
ajbmeb-3016	1	22	p	p	NOUN
ajbmeb-3016	2	1	a	a	DET
ajbmeb-3016	2	2	g	g	NOUN
ajbmeb-3016	2	3	e	e	NOUN
ajbmeb-3016	2	4	|	|	ADV
ajbmeb-3016	2	5	102	102	NUM
ajbmeb-3016	2	6	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	2	7	causes	cause	NOUN
ajbmeb-3016	2	8	of	of	ADP
ajbmeb-3016	2	9	the	the	DET
ajbmeb-3016	2	10	emergence	emergence	NOUN
ajbmeb-3016	2	11	of	of	ADP
ajbmeb-3016	2	12	non	non	ADJ
ajbmeb-3016	2	13	-	-	ADJ
ajbmeb-3016	2	14	performing	performing	ADJ
ajbmeb-3016	2	15	loans	loan	NOUN
ajbmeb-3016	2	16	in	in	ADP
ajbmeb-3016	2	17	commercial	commercial	ADJ
ajbmeb-3016	2	18	banking	banking	NOUN
ajbmeb-3016	2	19	practice	practice	NOUN
ajbmeb-3016	2	20	akramova	akramova	PROPN
ajbmeb-3016	2	21	nargiza	nargiza	PROPN
ajbmeb-3016	2	22	nutfillayevna	nutfillayevna	PROPN
ajbmeb-3016	2	23	head	head	NOUN
ajbmeb-3016	2	24	of	of	ADP
ajbmeb-3016	2	25	the	the	DET
ajbmeb-3016	2	26	social	social	ADJ
ajbmeb-3016	2	27	credit	credit	NOUN
ajbmeb-3016	2	28	department	department	NOUN
ajbmeb-3016	2	29	(	(	PUNCT
ajbmeb-3016	2	30	social	social	ADJ
ajbmeb-3016	2	31	manager	manager	NOUN
ajbmeb-3016	2	32	)	)	PUNCT
ajbmeb-3016	2	33	of	of	ADP
ajbmeb-3016	2	34	the	the	DET
ajbmeb-3016	2	35	bukhara	bukhara	PROPN
ajbmeb-3016	2	36	regional	regional	PROPN
ajbmeb-3016	2	37	department	department	PROPN
ajbmeb-3016	2	38	of	of	ADP
ajbmeb-3016	2	39	jscb	jscb	PROPN
ajbmeb-3016	2	40	“	"	PUNCT
ajbmeb-3016	2	41	mikrokreditbank	mikrokreditbank	PROPN
ajbmeb-3016	2	42	”	"	PUNCT
ajbmeb-3016	2	43	,	,	PUNCT
ajbmeb-3016	2	44	uzbekistan	uzbekistan	PROPN
ajbmeb-3016	2	45	g	g	NOUN
ajbmeb-3016	2	46	-	-	PUNCT
ajbmeb-3016	2	47	mail	mail	NOUN
ajbmeb-3016	2	48	:	:	PUNCT
ajbmeb-3016	2	49	akramovan129@gmail.com	akramovan129@gmail.com	X
ajbmeb-3016	3	1	a	a	DET
ajbmeb-3016	3	2	b	b	PROPN
ajbmeb-3016	3	3	s	s	ADP
ajbmeb-3016	3	4	t	t	PROPN
ajbmeb-3016	3	5	r	r	NOUN
ajbmeb-3016	3	6	a	a	DET
ajbmeb-3016	3	7	c	c	NOUN
ajbmeb-3016	3	8	t	t	NOUN
ajbmeb-3016	3	9	k	k	X
ajbmeb-3016	3	10	e	e	PROPN
ajbmeb-3016	3	11	y	y	PROPN
ajbmeb-3016	3	12	w	w	NOUN
ajbmeb-3016	3	13	o	o	NOUN
ajbmeb-3016	3	14	r	r	NOUN
ajbmeb-3016	3	15	d	d	PROPN
ajbmeb-3016	3	16	s	s	VERB
ajbmeb-3016	3	17	this	this	DET
ajbmeb-3016	3	18	paper	paper	NOUN
ajbmeb-3016	3	19	examines	examine	VERB
ajbmeb-3016	3	20	the	the	DET
ajbmeb-3016	3	21	organizational	organizational	ADJ
ajbmeb-3016	3	22	and	and	CCONJ
ajbmeb-3016	3	23	procedural	procedural	ADJ
ajbmeb-3016	3	24	approaches	approach	NOUN
ajbmeb-3016	3	25	used	use	VERB
ajbmeb-3016	3	26	by	by	ADP
ajbmeb-3016	3	27	commercial	commercial	ADJ
ajbmeb-3016	3	28	banks	bank	NOUN
ajbmeb-3016	3	29	to	to	PART
ajbmeb-3016	3	30	manage	manage	VERB
ajbmeb-3016	3	31	non	non	ADJ
ajbmeb-3016	3	32	-	-	ADJ
ajbmeb-3016	3	33	performing	performing	ADJ
ajbmeb-3016	3	34	loans	loan	NOUN
ajbmeb-3016	3	35	(	(	PUNCT
ajbmeb-3016	3	36	npls	npls	NOUN
ajbmeb-3016	3	37	)	)	PUNCT
ajbmeb-3016	3	38	.	.	PUNCT
ajbmeb-3016	4	1	it	it	PRON
ajbmeb-3016	4	2	highlights	highlight	VERB
ajbmeb-3016	4	3	the	the	DET
ajbmeb-3016	4	4	role	role	NOUN
ajbmeb-3016	4	5	of	of	ADP
ajbmeb-3016	4	6	specialized	specialized	ADJ
ajbmeb-3016	4	7	internal	internal	ADJ
ajbmeb-3016	4	8	units	unit	NOUN
ajbmeb-3016	4	9	—	—	PUNCT
ajbmeb-3016	4	10	such	such	ADJ
ajbmeb-3016	4	11	as	as	ADP
ajbmeb-3016	4	12	departments	department	NOUN
ajbmeb-3016	4	13	or	or	CCONJ
ajbmeb-3016	4	14	divisions	division	NOUN
ajbmeb-3016	4	15	—	—	PUNCT
ajbmeb-3016	4	16	dedicated	dedicate	VERB
ajbmeb-3016	4	17	to	to	ADP
ajbmeb-3016	4	18	monitoring	monitor	VERB
ajbmeb-3016	4	19	overdue	overdue	ADJ
ajbmeb-3016	4	20	debts	debt	NOUN
ajbmeb-3016	4	21	,	,	PUNCT
ajbmeb-3016	4	22	implementing	implement	VERB
ajbmeb-3016	4	23	debt	debt	NOUN
ajbmeb-3016	4	24	rehabilitation	rehabilitation	NOUN
ajbmeb-3016	4	25	strategies	strategy	NOUN
ajbmeb-3016	4	26	,	,	PUNCT
ajbmeb-3016	4	27	and	and	CCONJ
ajbmeb-3016	4	28	managing	manage	VERB
ajbmeb-3016	4	29	borrower	borrower	NOUN
ajbmeb-3016	4	30	assets	asset	NOUN
ajbmeb-3016	4	31	.	.	PUNCT
ajbmeb-3016	5	1	the	the	DET
ajbmeb-3016	5	2	study	study	NOUN
ajbmeb-3016	5	3	outlines	outline	VERB
ajbmeb-3016	5	4	a	a	DET
ajbmeb-3016	5	5	comprehensive	comprehensive	ADJ
ajbmeb-3016	5	6	set	set	NOUN
ajbmeb-3016	5	7	of	of	ADP
ajbmeb-3016	5	8	measures	measure	NOUN
ajbmeb-3016	5	9	used	use	VERB
ajbmeb-3016	5	10	to	to	PART
ajbmeb-3016	5	11	improve	improve	VERB
ajbmeb-3016	5	12	the	the	DET
ajbmeb-3016	5	13	quality	quality	NOUN
ajbmeb-3016	5	14	of	of	ADP
ajbmeb-3016	5	15	distressed	distressed	ADJ
ajbmeb-3016	5	16	loans	loan	NOUN
ajbmeb-3016	5	17	,	,	PUNCT
ajbmeb-3016	5	18	including	include	VERB
ajbmeb-3016	5	19	additional	additional	ADJ
ajbmeb-3016	5	20	collateral	collateral	NOUN
ajbmeb-3016	5	21	,	,	PUNCT
ajbmeb-3016	5	22	state	state	NOUN
ajbmeb-3016	5	23	guarantees	guarantee	NOUN
ajbmeb-3016	5	24	,	,	PUNCT
ajbmeb-3016	5	25	asset	asset	NOUN
ajbmeb-3016	5	26	sales	sale	NOUN
ajbmeb-3016	5	27	,	,	PUNCT
ajbmeb-3016	5	28	and	and	CCONJ
ajbmeb-3016	5	29	legal	legal	ADJ
ajbmeb-3016	5	30	enforcement	enforcement	NOUN
ajbmeb-3016	5	31	mechanisms	mechanism	NOUN
ajbmeb-3016	5	32	.	.	PUNCT
ajbmeb-3016	6	1	furthermore	furthermore	ADV
ajbmeb-3016	6	2	,	,	PUNCT
ajbmeb-3016	6	3	it	it	PRON
ajbmeb-3016	6	4	discusses	discuss	VERB
ajbmeb-3016	6	5	early	early	ADJ
ajbmeb-3016	6	6	intervention	intervention	NOUN
ajbmeb-3016	6	7	strategies	strategy	NOUN
ajbmeb-3016	6	8	,	,	PUNCT
ajbmeb-3016	6	9	such	such	ADJ
ajbmeb-3016	6	10	as	as	ADP
ajbmeb-3016	6	11	negotiating	negotiate	VERB
ajbmeb-3016	6	12	with	with	ADP
ajbmeb-3016	6	13	borrowers	borrower	NOUN
ajbmeb-3016	6	14	and	and	CCONJ
ajbmeb-3016	6	15	restructuring	restructuring	NOUN
ajbmeb-3016	6	16	management	management	NOUN
ajbmeb-3016	6	17	,	,	PUNCT
ajbmeb-3016	6	18	as	as	ADV
ajbmeb-3016	6	19	well	well	ADV
ajbmeb-3016	6	20	as	as	ADP
ajbmeb-3016	6	21	various	various	ADJ
ajbmeb-3016	6	22	recovery	recovery	NOUN
ajbmeb-3016	6	23	methods	method	NOUN
ajbmeb-3016	6	24	like	like	ADP
ajbmeb-3016	6	25	debt	debt	NOUN
ajbmeb-3016	6	26	restructuring	restructuring	NOUN
ajbmeb-3016	6	27	,	,	PUNCT
ajbmeb-3016	6	28	refinancing	refinancing	NOUN
ajbmeb-3016	6	29	,	,	PUNCT
ajbmeb-3016	6	30	and	and	CCONJ
ajbmeb-3016	6	31	debt	debt	NOUN
ajbmeb-3016	6	32	sale	sale	NOUN
ajbmeb-3016	6	33	to	to	ADP
ajbmeb-3016	6	34	third	third	ADJ
ajbmeb-3016	6	35	parties	party	NOUN
ajbmeb-3016	6	36	.	.	PUNCT
ajbmeb-3016	7	1	the	the	DET
ajbmeb-3016	7	2	paper	paper	NOUN
ajbmeb-3016	7	3	emphasizes	emphasize	VERB
ajbmeb-3016	7	4	that	that	SCONJ
ajbmeb-3016	7	5	banks	bank	NOUN
ajbmeb-3016	7	6	select	select	VERB
ajbmeb-3016	7	7	appropriate	appropriate	ADJ
ajbmeb-3016	7	8	recovery	recovery	NOUN
ajbmeb-3016	7	9	strategies	strategy	NOUN
ajbmeb-3016	7	10	based	base	VERB
ajbmeb-3016	7	11	on	on	ADP
ajbmeb-3016	7	12	financial	financial	ADJ
ajbmeb-3016	7	13	efficiency	efficiency	NOUN
ajbmeb-3016	7	14	,	,	PUNCT
ajbmeb-3016	7	15	transaction	transaction	NOUN
ajbmeb-3016	7	16	costs	cost	NOUN
ajbmeb-3016	7	17	,	,	PUNCT
ajbmeb-3016	7	18	risk	risk	NOUN
ajbmeb-3016	7	19	exposure	exposure	NOUN
ajbmeb-3016	7	20	,	,	PUNCT
ajbmeb-3016	7	21	reputational	reputational	ADJ
ajbmeb-3016	7	22	considerations	consideration	NOUN
ajbmeb-3016	7	23	,	,	PUNCT
ajbmeb-3016	7	24	and	and	CCONJ
ajbmeb-3016	7	25	the	the	DET
ajbmeb-3016	7	26	expected	expect	VERB
ajbmeb-3016	7	27	financial	financial	ADJ
ajbmeb-3016	7	28	outcomes	outcome	NOUN
ajbmeb-3016	7	29	.	.	PUNCT
ajbmeb-3016	8	1	overall	overall	ADV
ajbmeb-3016	8	2	,	,	PUNCT
ajbmeb-3016	8	3	the	the	DET
ajbmeb-3016	8	4	research	research	NOUN
ajbmeb-3016	8	5	provides	provide	VERB
ajbmeb-3016	8	6	insights	insight	NOUN
ajbmeb-3016	8	7	into	into	ADP
ajbmeb-3016	8	8	how	how	SCONJ
ajbmeb-3016	8	9	banks	bank	NOUN
ajbmeb-3016	8	10	can	can	AUX
ajbmeb-3016	8	11	mitigate	mitigate	VERB
ajbmeb-3016	8	12	credit	credit	NOUN
ajbmeb-3016	8	13	risk	risk	NOUN
ajbmeb-3016	8	14	and	and	CCONJ
ajbmeb-3016	8	15	maintain	maintain	VERB
ajbmeb-3016	8	16	financial	financial	ADJ
ajbmeb-3016	8	17	stability	stability	NOUN
ajbmeb-3016	8	18	by	by	ADP
ajbmeb-3016	8	19	effectively	effectively	ADV
ajbmeb-3016	8	20	managing	manage	VERB
ajbmeb-3016	8	21	problem	problem	NOUN
ajbmeb-3016	8	22	loans	loan	NOUN
ajbmeb-3016	8	23	.	.	PUNCT
ajbmeb-3016	9	1	credit	credit	NOUN
ajbmeb-3016	9	2	risk	risk	NOUN
ajbmeb-3016	9	3	,	,	PUNCT
ajbmeb-3016	9	4	loan	loan	NOUN
ajbmeb-3016	9	5	default	default	NOUN
ajbmeb-3016	9	6	,	,	PUNCT
ajbmeb-3016	9	7	financial	financial	ADJ
ajbmeb-3016	9	8	stability	stability	NOUN
ajbmeb-3016	9	9	,	,	PUNCT
ajbmeb-3016	9	10	banking	banking	NOUN
ajbmeb-3016	9	11	sector	sector	NOUN
ajbmeb-3016	9	12	,	,	PUNCT
ajbmeb-3016	9	13	credit	credit	NOUN
ajbmeb-3016	9	14	portfolio	portfolio	NOUN
ajbmeb-3016	9	15	quality	quality	NOUN
ajbmeb-3016	9	16	,	,	PUNCT
ajbmeb-3016	9	17	loan	loan	NOUN
ajbmeb-3016	9	18	restructuring	restructuring	NOUN
ajbmeb-3016	9	19	,	,	PUNCT
ajbmeb-3016	9	20	overdue	overdue	ADJ
ajbmeb-3016	9	21	debt	debt	NOUN
ajbmeb-3016	9	22	,	,	PUNCT
ajbmeb-3016	9	23	liquidity	liquidity	NOUN
ajbmeb-3016	9	24	risk	risk	NOUN
ajbmeb-3016	9	25	,	,	PUNCT
ajbmeb-3016	9	26	economic	economic	ADJ
ajbmeb-3016	9	27	slowdown	slowdown	NOUN
ajbmeb-3016	9	28	.	.	PUNCT
ajbmeb-3016	10	1	introduction	introduction	NOUN
ajbmeb-3016	10	2	the	the	DET
ajbmeb-3016	10	3	core	core	NOUN
ajbmeb-3016	10	4	activity	activity	NOUN
ajbmeb-3016	10	5	of	of	ADP
ajbmeb-3016	10	6	any	any	DET
ajbmeb-3016	10	7	modern	modern	ADJ
ajbmeb-3016	10	8	commercial	commercial	ADJ
ajbmeb-3016	10	9	bank	bank	NOUN
ajbmeb-3016	10	10	is	be	AUX
ajbmeb-3016	10	11	lending	lend	VERB
ajbmeb-3016	10	12	,	,	PUNCT
ajbmeb-3016	10	13	which	which	PRON
ajbmeb-3016	10	14	inherently	inherently	ADV
ajbmeb-3016	10	15	involves	involve	VERB
ajbmeb-3016	10	16	the	the	DET
ajbmeb-3016	10	17	risk	risk	NOUN
ajbmeb-3016	10	18	of	of	ADP
ajbmeb-3016	10	19	nonperforming	nonperforme	VERB
ajbmeb-3016	10	20	(	(	PUNCT
ajbmeb-3016	10	21	i.e.	i.e.	X
ajbmeb-3016	10	22	,	,	PUNCT
ajbmeb-3016	10	23	overdue	overdue	ADJ
ajbmeb-3016	10	24	or	or	CCONJ
ajbmeb-3016	10	25	unpaid	unpaid	ADJ
ajbmeb-3016	10	26	)	)	PUNCT
ajbmeb-3016	10	27	loans	loan	NOUN
ajbmeb-3016	10	28	.	.	PUNCT
ajbmeb-3016	11	1	this	this	DET
ajbmeb-3016	11	2	type	type	NOUN
ajbmeb-3016	11	3	of	of	ADP
ajbmeb-3016	11	4	risk	risk	NOUN
ajbmeb-3016	11	5	directly	directly	ADV
ajbmeb-3016	11	6	affects	affect	VERB
ajbmeb-3016	11	7	the	the	DET
ajbmeb-3016	11	8	quality	quality	NOUN
ajbmeb-3016	11	9	of	of	ADP
ajbmeb-3016	11	10	the	the	DET
ajbmeb-3016	11	11	bank	bank	NOUN
ajbmeb-3016	11	12	’s	’s	PART
ajbmeb-3016	11	13	credit	credit	NOUN
ajbmeb-3016	11	14	portfolio	portfolio	NOUN
ajbmeb-3016	11	15	,	,	PUNCT
ajbmeb-3016	11	16	its	its	PRON
ajbmeb-3016	11	17	financial	financial	ADJ
ajbmeb-3016	11	18	stability	stability	NOUN
ajbmeb-3016	11	19	,	,	PUNCT
ajbmeb-3016	11	20	and	and	CCONJ
ajbmeb-3016	11	21	liquidity	liquidity	NOUN
ajbmeb-3016	11	22	levels	level	NOUN
ajbmeb-3016	11	23	.	.	PUNCT
ajbmeb-3016	12	1	therefore	therefore	ADV
ajbmeb-3016	12	2	,	,	PUNCT
ajbmeb-3016	12	3	credit	credit	NOUN
ajbmeb-3016	12	4	risk	risk	NOUN
ajbmeb-3016	12	5	is	be	AUX
ajbmeb-3016	12	6	considered	consider	VERB
ajbmeb-3016	12	7	one	one	NUM
ajbmeb-3016	12	8	of	of	ADP
ajbmeb-3016	12	9	the	the	DET
ajbmeb-3016	12	10	most	most	ADV
ajbmeb-3016	12	11	critical	critical	ADJ
ajbmeb-3016	12	12	and	and	CCONJ
ajbmeb-3016	12	13	pressing	press	VERB
ajbmeb-3016	12	14	financial	financial	ADJ
ajbmeb-3016	12	15	risks	risk	NOUN
ajbmeb-3016	12	16	for	for	ADP
ajbmeb-3016	12	17	commercial	commercial	ADJ
ajbmeb-3016	12	18	banks	bank	NOUN
ajbmeb-3016	12	19	.	.	PUNCT
ajbmeb-3016	13	1	the	the	DET
ajbmeb-3016	13	2	effectiveness	effectiveness	NOUN
ajbmeb-3016	13	3	of	of	ADP
ajbmeb-3016	13	4	credit	credit	NOUN
ajbmeb-3016	13	5	risk	risk	NOUN
ajbmeb-3016	13	6	management	management	NOUN
ajbmeb-3016	13	7	is	be	AUX
ajbmeb-3016	13	8	a	a	DET
ajbmeb-3016	13	9	key	key	ADJ
ajbmeb-3016	13	10	determinant	determinant	NOUN
ajbmeb-3016	13	11	of	of	ADP
ajbmeb-3016	13	12	a	a	DET
ajbmeb-3016	13	13	bank	bank	NOUN
ajbmeb-3016	13	14	’s	’s	PART
ajbmeb-3016	13	15	overall	overall	ADJ
ajbmeb-3016	13	16	performance	performance	NOUN
ajbmeb-3016	13	17	,	,	PUNCT
ajbmeb-3016	13	18	profitability	profitability	NOUN
ajbmeb-3016	13	19	,	,	PUNCT
ajbmeb-3016	13	20	and	and	CCONJ
ajbmeb-3016	13	21	credibility	credibility	NOUN
ajbmeb-3016	13	22	in	in	ADP
ajbmeb-3016	13	23	the	the	DET
ajbmeb-3016	13	24	financial	financial	ADJ
ajbmeb-3016	13	25	market	market	NOUN
ajbmeb-3016	13	26	.	.	PUNCT
ajbmeb-3016	14	1	currently	currently	ADV
ajbmeb-3016	14	2	,	,	PUNCT
ajbmeb-3016	14	3	the	the	DET
ajbmeb-3016	14	4	rising	rise	VERB
ajbmeb-3016	14	5	share	share	NOUN
ajbmeb-3016	14	6	of	of	ADP
ajbmeb-3016	14	7	non	non	ADJ
ajbmeb-3016	14	8	-	-	ADJ
ajbmeb-3016	14	9	performing	performing	ADJ
ajbmeb-3016	14	10	loans	loan	NOUN
ajbmeb-3016	14	11	in	in	ADP
ajbmeb-3016	14	12	the	the	DET
ajbmeb-3016	14	13	banking	banking	NOUN
ajbmeb-3016	14	14	sector	sector	NOUN
ajbmeb-3016	14	15	remains	remain	VERB
ajbmeb-3016	14	16	one	one	NUM
ajbmeb-3016	14	17	of	of	ADP
ajbmeb-3016	14	18	the	the	DET
ajbmeb-3016	14	19	most	most	ADV
ajbmeb-3016	14	20	urgent	urgent	ADJ
ajbmeb-3016	14	21	issues	issue	NOUN
ajbmeb-3016	14	22	in	in	ADP
ajbmeb-3016	14	23	the	the	DET
ajbmeb-3016	14	24	development	development	NOUN
ajbmeb-3016	14	25	of	of	ADP
ajbmeb-3016	14	26	the	the	DET
ajbmeb-3016	14	27	financial	financial	ADJ
ajbmeb-3016	14	28	sector	sector	NOUN
ajbmeb-3016	14	29	.	.	PUNCT
ajbmeb-3016	15	1	lending	lending	NOUN
ajbmeb-3016	15	2	is	be	AUX
ajbmeb-3016	15	3	the	the	DET
ajbmeb-3016	15	4	most	most	ADV
ajbmeb-3016	15	5	significant	significant	ADJ
ajbmeb-3016	15	6	and	and	CCONJ
ajbmeb-3016	15	7	prioritized	prioritize	VERB
ajbmeb-3016	15	8	active	active	ADJ
ajbmeb-3016	15	9	operation	operation	NOUN
ajbmeb-3016	15	10	within	within	ADP
ajbmeb-3016	15	11	the	the	DET
ajbmeb-3016	15	12	activities	activity	NOUN
ajbmeb-3016	15	13	of	of	ADP
ajbmeb-3016	15	14	commercial	commercial	ADJ
ajbmeb-3016	15	15	banks	bank	NOUN
ajbmeb-3016	15	16	.	.	PUNCT
ajbmeb-3016	16	1	the	the	DET
ajbmeb-3016	16	2	quality	quality	NOUN
ajbmeb-3016	16	3	of	of	ADP
ajbmeb-3016	16	4	any	any	DET
ajbmeb-3016	16	5	given	give	VERB
ajbmeb-3016	16	6	loan	loan	NOUN
ajbmeb-3016	16	7	is	be	AUX
ajbmeb-3016	16	8	primarily	primarily	ADV
ajbmeb-3016	16	9	assessed	assess	VERB
ajbmeb-3016	16	10	by	by	ADP
ajbmeb-3016	16	11	the	the	DET
ajbmeb-3016	16	12	degree	degree	NOUN
ajbmeb-3016	16	13	to	to	PART
ajbmeb-3016	16	14	which	which	PRON
ajbmeb-3016	16	15	it	it	PRON
ajbmeb-3016	16	16	is	be	AUX
ajbmeb-3016	16	17	serviced	service	VERB
ajbmeb-3016	16	18	on	on	ADP
ajbmeb-3016	16	19	time	time	NOUN
ajbmeb-3016	16	20	and	and	CCONJ
ajbmeb-3016	16	21	in	in	ADP
ajbmeb-3016	16	22	accordance	accordance	NOUN
ajbmeb-3016	16	23	with	with	ADP
ajbmeb-3016	16	24	the	the	DET
ajbmeb-3016	16	25	loan	loan	NOUN
ajbmeb-3016	16	26	agreement	agreement	NOUN
ajbmeb-3016	16	27	.	.	PUNCT
ajbmeb-3016	17	1	the	the	DET
ajbmeb-3016	17	2	american	american	PROPN
ajbmeb-3016	17	3	journal	journal	PROPN
ajbmeb-3016	17	4	of	of	ADP
ajbmeb-3016	17	5	business	business	NOUN
ajbmeb-3016	17	6	management	management	NOUN
ajbmeb-3016	17	7	,	,	PUNCT
ajbmeb-3016	17	8	economics	economic	NOUN
ajbmeb-3016	17	9	and	and	CCONJ
ajbmeb-3016	17	10	banking	banking	NOUN
ajbmeb-3016	17	11	volume	volume	NOUN
ajbmeb-3016	17	12	37	37	NUM
ajbmeb-3016	17	13	june2025	june2025	PROPN
ajbmeb-3016	17	14	p	p	NOUN
ajbmeb-3016	17	15	a	a	DET
ajbmeb-3016	17	16	g	g	NOUN
ajbmeb-3016	17	17	e	e	PROPN
ajbmeb-3016	17	18	|	|	NOUN
ajbmeb-3016	17	19	103	103	NUM
ajbmeb-3016	17	20	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	17	21	main	main	ADJ
ajbmeb-3016	17	22	criterion	criterion	NOUN
ajbmeb-3016	17	23	for	for	ADP
ajbmeb-3016	17	24	loan	loan	NOUN
ajbmeb-3016	17	25	quality	quality	NOUN
ajbmeb-3016	17	26	is	be	AUX
ajbmeb-3016	17	27	the	the	DET
ajbmeb-3016	17	28	borrower	borrower	NOUN
ajbmeb-3016	17	29	's	's	PART
ajbmeb-3016	17	30	ability	ability	NOUN
ajbmeb-3016	17	31	to	to	PART
ajbmeb-3016	17	32	meet	meet	VERB
ajbmeb-3016	17	33	their	their	PRON
ajbmeb-3016	17	34	obligations	obligation	NOUN
ajbmeb-3016	17	35	fully	fully	ADV
ajbmeb-3016	17	36	and	and	CCONJ
ajbmeb-3016	17	37	within	within	ADP
ajbmeb-3016	17	38	the	the	DET
ajbmeb-3016	17	39	prescribed	prescribed	ADJ
ajbmeb-3016	17	40	timeframe	timeframe	NOUN
ajbmeb-3016	17	41	.	.	PUNCT
ajbmeb-3016	18	1	literature	literature	PROPN
ajbmeb-3016	18	2	review	review	PROPN
ajbmeb-3016	18	3	john	john	PROPN
ajbmeb-3016	18	4	maynard	maynard	PROPN
ajbmeb-3016	18	5	keynes	keynes	PROPN
ajbmeb-3016	18	6	noted	note	VERB
ajbmeb-3016	18	7	that	that	SCONJ
ajbmeb-3016	18	8	defaults	default	NOUN
ajbmeb-3016	18	9	or	or	CCONJ
ajbmeb-3016	18	10	high	high	ADJ
ajbmeb-3016	18	11	levels	level	NOUN
ajbmeb-3016	18	12	of	of	ADP
ajbmeb-3016	18	13	non	non	ADJ
ajbmeb-3016	18	14	-	-	ADJ
ajbmeb-3016	18	15	performing	performing	ADJ
ajbmeb-3016	18	16	loans	loan	NOUN
ajbmeb-3016	18	17	can	can	AUX
ajbmeb-3016	18	18	trigger	trigger	VERB
ajbmeb-3016	18	19	an	an	DET
ajbmeb-3016	18	20	economic	economic	ADJ
ajbmeb-3016	18	21	crisis	crisis	NOUN
ajbmeb-3016	18	22	,	,	PUNCT
ajbmeb-3016	18	23	as	as	SCONJ
ajbmeb-3016	18	24	banks	bank	NOUN
ajbmeb-3016	18	25	begin	begin	VERB
ajbmeb-3016	18	26	to	to	PART
ajbmeb-3016	18	27	restrict	restrict	VERB
ajbmeb-3016	18	28	lending	lending	NOUN
ajbmeb-3016	18	29	,	,	PUNCT
ajbmeb-3016	18	30	which	which	PRON
ajbmeb-3016	18	31	in	in	ADP
ajbmeb-3016	18	32	turn	turn	NOUN
ajbmeb-3016	18	33	leads	lead	VERB
ajbmeb-3016	18	34	to	to	ADP
ajbmeb-3016	18	35	a	a	DET
ajbmeb-3016	18	36	decline	decline	NOUN
ajbmeb-3016	18	37	in	in	ADP
ajbmeb-3016	18	38	investment	investment	NOUN
ajbmeb-3016	18	39	and	and	CCONJ
ajbmeb-3016	18	40	a	a	DET
ajbmeb-3016	18	41	slowdown	slowdown	NOUN
ajbmeb-3016	18	42	in	in	ADP
ajbmeb-3016	18	43	economic	economic	ADJ
ajbmeb-3016	18	44	growth	growth	NOUN
ajbmeb-3016	19	1	[	[	X
ajbmeb-3016	19	2	1	1	NUM
ajbmeb-3016	19	3	]	]	PUNCT
ajbmeb-3016	19	4	.	.	PUNCT
ajbmeb-3016	20	1	economist	economist	PROPN
ajbmeb-3016	20	2	joseph	joseph	PROPN
ajbmeb-3016	20	3	schumpeter	schumpeter	PROPN
ajbmeb-3016	20	4	emphasized	emphasize	VERB
ajbmeb-3016	20	5	that	that	SCONJ
ajbmeb-3016	20	6	the	the	DET
ajbmeb-3016	20	7	presence	presence	NOUN
ajbmeb-3016	20	8	of	of	ADP
ajbmeb-3016	20	9	problem	problem	NOUN
ajbmeb-3016	20	10	loans	loan	NOUN
ajbmeb-3016	20	11	can	can	AUX
ajbmeb-3016	20	12	undermine	undermine	VERB
ajbmeb-3016	20	13	trust	trust	NOUN
ajbmeb-3016	20	14	in	in	ADP
ajbmeb-3016	20	15	the	the	DET
ajbmeb-3016	20	16	banking	banking	NOUN
ajbmeb-3016	20	17	system	system	NOUN
ajbmeb-3016	20	18	,	,	PUNCT
ajbmeb-3016	20	19	which	which	PRON
ajbmeb-3016	20	20	also	also	ADV
ajbmeb-3016	20	21	results	result	VERB
ajbmeb-3016	20	22	in	in	ADP
ajbmeb-3016	20	23	reduced	reduced	ADJ
ajbmeb-3016	20	24	investment	investment	NOUN
ajbmeb-3016	20	25	and	and	CCONJ
ajbmeb-3016	20	26	lower	low	ADJ
ajbmeb-3016	20	27	lending	lending	NOUN
ajbmeb-3016	20	28	volumes	volume	NOUN
ajbmeb-3016	20	29	,	,	PUNCT
ajbmeb-3016	20	30	negatively	negatively	ADV
ajbmeb-3016	20	31	affecting	affect	VERB
ajbmeb-3016	20	32	the	the	DET
ajbmeb-3016	20	33	pace	pace	NOUN
ajbmeb-3016	20	34	of	of	ADP
ajbmeb-3016	20	35	economic	economic	ADJ
ajbmeb-3016	20	36	development	development	NOUN
ajbmeb-3016	20	37	[	[	X
ajbmeb-3016	20	38	2	2	NUM
ajbmeb-3016	20	39	]	]	PUNCT
ajbmeb-3016	20	40	.	.	PUNCT
ajbmeb-3016	21	1	according	accord	VERB
ajbmeb-3016	21	2	to	to	ADP
ajbmeb-3016	21	3	t.n	t.n	PROPN
ajbmeb-3016	21	4	.	.	PROPN
ajbmeb-3016	21	5	saveleva	saveleva	PROPN
ajbmeb-3016	21	6	,	,	PUNCT
ajbmeb-3016	21	7	non	non	ADJ
ajbmeb-3016	21	8	-	-	ADJ
ajbmeb-3016	21	9	performing	performing	ADJ
ajbmeb-3016	21	10	loans	loan	NOUN
ajbmeb-3016	21	11	are	be	AUX
ajbmeb-3016	21	12	those	those	PRON
ajbmeb-3016	21	13	in	in	ADP
ajbmeb-3016	21	14	which	which	PRON
ajbmeb-3016	21	15	the	the	DET
ajbmeb-3016	21	16	borrower	borrower	NOUN
ajbmeb-3016	21	17	fails	fail	VERB
ajbmeb-3016	21	18	to	to	PART
ajbmeb-3016	21	19	repay	repay	VERB
ajbmeb-3016	21	20	the	the	DET
ajbmeb-3016	21	21	principal	principal	NOUN
ajbmeb-3016	21	22	and/or	and/or	CCONJ
ajbmeb-3016	21	23	interest	interest	NOUN
ajbmeb-3016	21	24	within	within	ADP
ajbmeb-3016	21	25	the	the	DET
ajbmeb-3016	21	26	specified	specified	ADJ
ajbmeb-3016	21	27	period	period	NOUN
ajbmeb-3016	21	28	,	,	PUNCT
ajbmeb-3016	21	29	resulting	result	VERB
ajbmeb-3016	21	30	in	in	ADP
ajbmeb-3016	21	31	overdue	overdue	ADJ
ajbmeb-3016	21	32	debt	debt	NOUN
ajbmeb-3016	21	33	[	[	X
ajbmeb-3016	21	34	3	3	NUM
ajbmeb-3016	21	35	]	]	PUNCT
ajbmeb-3016	21	36	.	.	PUNCT
ajbmeb-3016	22	1	such	such	ADJ
ajbmeb-3016	22	2	loans	loan	NOUN
ajbmeb-3016	22	3	are	be	AUX
ajbmeb-3016	22	4	classified	classify	VERB
ajbmeb-3016	22	5	as	as	ADP
ajbmeb-3016	22	6	non	non	ADJ
ajbmeb-3016	22	7	-	-	ADJ
ajbmeb-3016	22	8	repaid	repaid	ADJ
ajbmeb-3016	22	9	over	over	ADP
ajbmeb-3016	22	10	a	a	DET
ajbmeb-3016	22	11	certain	certain	ADJ
ajbmeb-3016	22	12	period	period	NOUN
ajbmeb-3016	22	13	and	and	CCONJ
ajbmeb-3016	22	14	may	may	AUX
ajbmeb-3016	22	15	threaten	threaten	VERB
ajbmeb-3016	22	16	the	the	DET
ajbmeb-3016	22	17	bank	bank	NOUN
ajbmeb-3016	22	18	’s	’s	PART
ajbmeb-3016	22	19	financial	financial	ADJ
ajbmeb-3016	22	20	stability	stability	NOUN
ajbmeb-3016	22	21	.	.	PUNCT
ajbmeb-3016	23	1	i.v	i.v	X
ajbmeb-3016	23	2	.	.	PROPN
ajbmeb-3016	23	3	mikhailova	mikhailova	PROPN
ajbmeb-3016	23	4	defines	define	VERB
ajbmeb-3016	23	5	problem	problem	NOUN
ajbmeb-3016	23	6	loans	loan	NOUN
ajbmeb-3016	23	7	as	as	ADP
ajbmeb-3016	23	8	those	those	PRON
ajbmeb-3016	23	9	in	in	ADP
ajbmeb-3016	23	10	which	which	PRON
ajbmeb-3016	23	11	the	the	DET
ajbmeb-3016	23	12	borrower	borrower	NOUN
ajbmeb-3016	23	13	has	have	AUX
ajbmeb-3016	23	14	failed	fail	VERB
ajbmeb-3016	23	15	to	to	PART
ajbmeb-3016	23	16	meet	meet	VERB
ajbmeb-3016	23	17	their	their	PRON
ajbmeb-3016	23	18	obligations	obligation	NOUN
ajbmeb-3016	23	19	on	on	ADP
ajbmeb-3016	23	20	time	time	NOUN
ajbmeb-3016	23	21	and	and	CCONJ
ajbmeb-3016	23	22	has	have	AUX
ajbmeb-3016	23	23	not	not	PART
ajbmeb-3016	23	24	repaid	repay	VERB
ajbmeb-3016	23	25	the	the	DET
ajbmeb-3016	23	26	debt	debt	NOUN
ajbmeb-3016	23	27	in	in	ADP
ajbmeb-3016	23	28	accordance	accordance	NOUN
ajbmeb-3016	23	29	with	with	ADP
ajbmeb-3016	23	30	the	the	DET
ajbmeb-3016	23	31	agreed	agree	VERB
ajbmeb-3016	23	32	terms	term	NOUN
ajbmeb-3016	23	33	[	[	X
ajbmeb-3016	23	34	4	4	NUM
ajbmeb-3016	23	35	]	]	PUNCT
ajbmeb-3016	23	36	.	.	PUNCT
ajbmeb-3016	24	1	this	this	DET
ajbmeb-3016	24	2	category	category	NOUN
ajbmeb-3016	24	3	includes	include	VERB
ajbmeb-3016	24	4	both	both	DET
ajbmeb-3016	24	5	loans	loan	NOUN
ajbmeb-3016	24	6	with	with	ADP
ajbmeb-3016	24	7	overdue	overdue	ADJ
ajbmeb-3016	24	8	payments	payment	NOUN
ajbmeb-3016	24	9	and	and	CCONJ
ajbmeb-3016	24	10	those	those	PRON
ajbmeb-3016	24	11	whose	whose	DET
ajbmeb-3016	24	12	repayment	repayment	NOUN
ajbmeb-3016	24	13	terms	term	NOUN
ajbmeb-3016	24	14	have	have	AUX
ajbmeb-3016	24	15	been	be	AUX
ajbmeb-3016	24	16	modified	modify	VERB
ajbmeb-3016	24	17	or	or	CCONJ
ajbmeb-3016	24	18	restructured	restructure	VERB
ajbmeb-3016	24	19	.	.	PUNCT
ajbmeb-3016	25	1	financial	financial	ADJ
ajbmeb-3016	25	2	analyst	analyst	NOUN
ajbmeb-3016	25	3	n.v	n.v	PROPN
ajbmeb-3016	25	4	.	.	PROPN
ajbmeb-3016	25	5	gorbunova	gorbunova	PROPN
ajbmeb-3016	25	6	states	state	VERB
ajbmeb-3016	25	7	that	that	SCONJ
ajbmeb-3016	25	8	non	non	ADJ
ajbmeb-3016	25	9	-	-	ADJ
ajbmeb-3016	25	10	performing	perform	VERB
ajbmeb-3016	25	11	loans	loan	NOUN
ajbmeb-3016	25	12	are	be	AUX
ajbmeb-3016	25	13	credit	credit	NOUN
ajbmeb-3016	25	14	obligations	obligation	NOUN
ajbmeb-3016	25	15	for	for	ADP
ajbmeb-3016	25	16	which	which	PRON
ajbmeb-3016	25	17	payments	payment	NOUN
ajbmeb-3016	25	18	on	on	ADP
ajbmeb-3016	25	19	the	the	DET
ajbmeb-3016	25	20	principal	principal	NOUN
ajbmeb-3016	25	21	or	or	CCONJ
ajbmeb-3016	25	22	interest	interest	NOUN
ajbmeb-3016	25	23	have	have	AUX
ajbmeb-3016	25	24	not	not	PART
ajbmeb-3016	25	25	been	be	AUX
ajbmeb-3016	25	26	made	make	VERB
ajbmeb-3016	25	27	for	for	ADP
ajbmeb-3016	25	28	an	an	DET
ajbmeb-3016	25	29	extended	extended	ADJ
ajbmeb-3016	25	30	period	period	NOUN
ajbmeb-3016	25	31	[	[	X
ajbmeb-3016	25	32	5	5	NUM
ajbmeb-3016	25	33	]	]	PUNCT
ajbmeb-3016	25	34	.	.	PUNCT
ajbmeb-3016	26	1	this	this	PRON
ajbmeb-3016	26	2	leads	lead	VERB
ajbmeb-3016	26	3	to	to	ADP
ajbmeb-3016	26	4	a	a	DET
ajbmeb-3016	26	5	deterioration	deterioration	NOUN
ajbmeb-3016	26	6	in	in	ADP
ajbmeb-3016	26	7	the	the	DET
ajbmeb-3016	26	8	quality	quality	NOUN
ajbmeb-3016	26	9	of	of	ADP
ajbmeb-3016	26	10	the	the	DET
ajbmeb-3016	26	11	bank	bank	NOUN
ajbmeb-3016	26	12	's	's	PART
ajbmeb-3016	26	13	assets	asset	NOUN
ajbmeb-3016	26	14	and	and	CCONJ
ajbmeb-3016	26	15	an	an	DET
ajbmeb-3016	26	16	increase	increase	NOUN
ajbmeb-3016	26	17	in	in	ADP
ajbmeb-3016	26	18	credit	credit	NOUN
ajbmeb-3016	26	19	risks	risk	NOUN
ajbmeb-3016	26	20	.	.	PUNCT
ajbmeb-3016	27	1	according	accord	VERB
ajbmeb-3016	27	2	to	to	ADP
ajbmeb-3016	27	3	v.s.	v.s.	PROPN
ajbmeb-3016	27	4	denisenko	denisenko	PROPN
ajbmeb-3016	27	5	,	,	PUNCT
ajbmeb-3016	27	6	non	non	ADJ
ajbmeb-3016	27	7	-	-	ADJ
ajbmeb-3016	27	8	performing	performing	ADJ
ajbmeb-3016	27	9	loans	loan	NOUN
ajbmeb-3016	27	10	represent	represent	VERB
ajbmeb-3016	27	11	debt	debt	NOUN
ajbmeb-3016	27	12	for	for	ADP
ajbmeb-3016	27	13	which	which	PRON
ajbmeb-3016	27	14	the	the	DET
ajbmeb-3016	27	15	borrower	borrower	NOUN
ajbmeb-3016	27	16	fails	fail	VERB
ajbmeb-3016	27	17	to	to	PART
ajbmeb-3016	27	18	meet	meet	VERB
ajbmeb-3016	27	19	the	the	DET
ajbmeb-3016	27	20	payment	payment	NOUN
ajbmeb-3016	27	21	obligations	obligation	NOUN
ajbmeb-3016	27	22	for	for	ADP
ajbmeb-3016	27	23	either	either	CCONJ
ajbmeb-3016	27	24	principal	principal	NOUN
ajbmeb-3016	27	25	or	or	CCONJ
ajbmeb-3016	27	26	interest	interest	NOUN
ajbmeb-3016	27	27	on	on	ADP
ajbmeb-3016	27	28	time	time	NOUN
ajbmeb-3016	27	29	,	,	PUNCT
ajbmeb-3016	27	30	resulting	result	VERB
ajbmeb-3016	27	31	in	in	ADP
ajbmeb-3016	27	32	the	the	DET
ajbmeb-3016	27	33	deterioration	deterioration	NOUN
ajbmeb-3016	27	34	of	of	ADP
ajbmeb-3016	27	35	the	the	DET
ajbmeb-3016	27	36	financial	financial	ADJ
ajbmeb-3016	27	37	condition	condition	NOUN
ajbmeb-3016	27	38	of	of	ADP
ajbmeb-3016	27	39	both	both	CCONJ
ajbmeb-3016	27	40	the	the	DET
ajbmeb-3016	27	41	borrower	borrower	NOUN
ajbmeb-3016	27	42	and	and	CCONJ
ajbmeb-3016	27	43	the	the	DET
ajbmeb-3016	27	44	lending	lending	NOUN
ajbmeb-3016	27	45	institution	institution	NOUN
ajbmeb-3016	27	46	[	[	X
ajbmeb-3016	27	47	6	6	NUM
ajbmeb-3016	27	48	]	]	PUNCT
ajbmeb-3016	27	49	.	.	PUNCT
ajbmeb-3016	28	1	a.a	a.a	PROPN
ajbmeb-3016	28	2	.	.	PROPN
ajbmeb-3016	28	3	kozlov	kozlov	PROPN
ajbmeb-3016	28	4	believes	believe	VERB
ajbmeb-3016	28	5	that	that	SCONJ
ajbmeb-3016	28	6	problem	problem	NOUN
ajbmeb-3016	28	7	loans	loan	NOUN
ajbmeb-3016	28	8	are	be	AUX
ajbmeb-3016	28	9	those	those	PRON
ajbmeb-3016	28	10	that	that	PRON
ajbmeb-3016	28	11	are	be	AUX
ajbmeb-3016	28	12	not	not	PART
ajbmeb-3016	28	13	repaid	repay	VERB
ajbmeb-3016	28	14	in	in	ADP
ajbmeb-3016	28	15	a	a	DET
ajbmeb-3016	28	16	timely	timely	ADJ
ajbmeb-3016	28	17	manner	manner	NOUN
ajbmeb-3016	28	18	,	,	PUNCT
ajbmeb-3016	28	19	where	where	SCONJ
ajbmeb-3016	28	20	borrowers	borrower	NOUN
ajbmeb-3016	28	21	are	be	AUX
ajbmeb-3016	28	22	unable	unable	ADJ
ajbmeb-3016	28	23	to	to	PART
ajbmeb-3016	28	24	fulfill	fulfill	VERB
ajbmeb-3016	28	25	their	their	PRON
ajbmeb-3016	28	26	obligations	obligation	NOUN
ajbmeb-3016	28	27	.	.	PUNCT
ajbmeb-3016	29	1	such	such	ADJ
ajbmeb-3016	29	2	loans	loan	NOUN
ajbmeb-3016	29	3	may	may	AUX
ajbmeb-3016	29	4	increase	increase	VERB
ajbmeb-3016	29	5	banking	banking	NOUN
ajbmeb-3016	29	6	risks	risk	NOUN
ajbmeb-3016	29	7	,	,	PUNCT
ajbmeb-3016	29	8	reduce	reduce	VERB
ajbmeb-3016	29	9	liquidity	liquidity	NOUN
ajbmeb-3016	29	10	,	,	PUNCT
ajbmeb-3016	29	11	and	and	CCONJ
ajbmeb-3016	29	12	pose	pose	VERB
ajbmeb-3016	29	13	a	a	DET
ajbmeb-3016	29	14	threat	threat	NOUN
ajbmeb-3016	29	15	to	to	ADP
ajbmeb-3016	29	16	the	the	DET
ajbmeb-3016	29	17	stability	stability	NOUN
ajbmeb-3016	29	18	of	of	ADP
ajbmeb-3016	29	19	the	the	DET
ajbmeb-3016	29	20	entire	entire	ADJ
ajbmeb-3016	29	21	financial	financial	ADJ
ajbmeb-3016	29	22	system	system	NOUN
ajbmeb-3016	29	23	[	[	X
ajbmeb-3016	29	24	7	7	NUM
ajbmeb-3016	29	25	]	]	PUNCT
ajbmeb-3016	29	26	.	.	PUNCT
ajbmeb-3016	30	1	research	research	NOUN
ajbmeb-3016	30	2	methodology	methodology	NOUN
ajbmeb-3016	30	3	in	in	ADP
ajbmeb-3016	30	4	carrying	carry	VERB
ajbmeb-3016	30	5	out	out	ADP
ajbmeb-3016	30	6	this	this	DET
ajbmeb-3016	30	7	research	research	NOUN
ajbmeb-3016	30	8	work	work	NOUN
ajbmeb-3016	30	9	,	,	PUNCT
ajbmeb-3016	30	10	methods	method	NOUN
ajbmeb-3016	30	11	widely	widely	ADV
ajbmeb-3016	30	12	used	use	VERB
ajbmeb-3016	30	13	in	in	ADP
ajbmeb-3016	30	14	scientific	scientific	ADJ
ajbmeb-3016	30	15	research	research	NOUN
ajbmeb-3016	30	16	methodology	methodology	NOUN
ajbmeb-3016	30	17	were	be	AUX
ajbmeb-3016	30	18	used	use	VERB
ajbmeb-3016	30	19	.	.	PUNCT
ajbmeb-3016	31	1	in	in	ADP
ajbmeb-3016	31	2	the	the	DET
ajbmeb-3016	31	3	process	process	NOUN
ajbmeb-3016	31	4	of	of	ADP
ajbmeb-3016	31	5	scientific	scientific	ADJ
ajbmeb-3016	31	6	analysis	analysis	NOUN
ajbmeb-3016	31	7	,	,	PUNCT
ajbmeb-3016	31	8	these	these	DET
ajbmeb-3016	31	9	scientific	scientific	ADJ
ajbmeb-3016	31	10	research	research	NOUN
ajbmeb-3016	31	11	methods	method	NOUN
ajbmeb-3016	31	12	were	be	AUX
ajbmeb-3016	31	13	widely	widely	ADV
ajbmeb-3016	31	14	used	use	VERB
ajbmeb-3016	31	15	,	,	PUNCT
ajbmeb-3016	31	16	in	in	ADP
ajbmeb-3016	31	17	particular	particular	ADJ
ajbmeb-3016	31	18	,	,	PUNCT
ajbmeb-3016	31	19	observation	observation	NOUN
ajbmeb-3016	31	20	,	,	PUNCT
ajbmeb-3016	31	21	generalization	generalization	NOUN
ajbmeb-3016	31	22	,	,	PUNCT
ajbmeb-3016	31	23	grouping	grouping	NOUN
ajbmeb-3016	31	24	,	,	PUNCT
ajbmeb-3016	31	25	comparison	comparison	NOUN
ajbmeb-3016	31	26	,	,	PUNCT
ajbmeb-3016	31	27	analysis	analysis	NOUN
ajbmeb-3016	31	28	and	and	CCONJ
ajbmeb-3016	31	29	synthesis	synthesis	NOUN
ajbmeb-3016	31	30	methods	method	NOUN
ajbmeb-3016	31	31	were	be	AUX
ajbmeb-3016	31	32	used	use	VERB
ajbmeb-3016	31	33	.	.	PUNCT
ajbmeb-3016	32	1	results	result	NOUN
ajbmeb-3016	32	2	and	and	CCONJ
ajbmeb-3016	32	3	analysis	analysis	NOUN
ajbmeb-3016	32	4	for	for	ADP
ajbmeb-3016	32	5	a	a	DET
ajbmeb-3016	32	6	commercial	commercial	ADJ
ajbmeb-3016	32	7	bank	bank	NOUN
ajbmeb-3016	32	8	,	,	PUNCT
ajbmeb-3016	32	9	the	the	DET
ajbmeb-3016	32	10	timely	timely	ADJ
ajbmeb-3016	32	11	execution	execution	NOUN
ajbmeb-3016	32	12	of	of	ADP
ajbmeb-3016	32	13	loan	loan	NOUN
ajbmeb-3016	32	14	payments	payment	NOUN
ajbmeb-3016	32	15	in	in	ADP
ajbmeb-3016	32	16	accordance	accordance	NOUN
ajbmeb-3016	32	17	with	with	ADP
ajbmeb-3016	32	18	the	the	DET
ajbmeb-3016	32	19	schedule	schedule	NOUN
ajbmeb-3016	32	20	set	set	VERB
ajbmeb-3016	32	21	forth	forth	ADP
ajbmeb-3016	32	22	in	in	ADP
ajbmeb-3016	32	23	the	the	DET
ajbmeb-3016	32	24	loan	loan	NOUN
ajbmeb-3016	32	25	contract	contract	NOUN
ajbmeb-3016	32	26	ensures	ensure	VERB
ajbmeb-3016	32	27	operational	operational	ADJ
ajbmeb-3016	32	28	stability	stability	NOUN
ajbmeb-3016	32	29	.	.	PUNCT
ajbmeb-3016	33	1	if	if	SCONJ
ajbmeb-3016	33	2	the	the	DET
ajbmeb-3016	33	3	borrower	borrower	NOUN
ajbmeb-3016	33	4	adheres	adhere	VERB
ajbmeb-3016	33	5	strictly	strictly	ADV
ajbmeb-3016	33	6	to	to	ADP
ajbmeb-3016	33	7	the	the	DET
ajbmeb-3016	33	8	payment	payment	NOUN
ajbmeb-3016	33	9	schedule	schedule	NOUN
ajbmeb-3016	33	10	attached	attach	VERB
ajbmeb-3016	33	11	to	to	ADP
ajbmeb-3016	33	12	the	the	DET
ajbmeb-3016	33	13	loan	loan	NOUN
ajbmeb-3016	33	14	agreement	agreement	NOUN
ajbmeb-3016	33	15	,	,	PUNCT
ajbmeb-3016	33	16	the	the	DET
ajbmeb-3016	33	17	relationship	relationship	NOUN
ajbmeb-3016	33	18	between	between	ADP
ajbmeb-3016	33	19	the	the	DET
ajbmeb-3016	33	20	bank	bank	NOUN
ajbmeb-3016	33	21	and	and	CCONJ
ajbmeb-3016	33	22	the	the	DET
ajbmeb-3016	33	23	client	client	NOUN
ajbmeb-3016	33	24	remains	remain	VERB
ajbmeb-3016	33	25	stable	stable	ADJ
ajbmeb-3016	33	26	and	and	CCONJ
ajbmeb-3016	33	27	balanced	balanced	ADJ
ajbmeb-3016	33	28	.	.	PUNCT
ajbmeb-3016	34	1	full	full	ADJ
ajbmeb-3016	34	2	compliance	compliance	NOUN
ajbmeb-3016	34	3	with	with	ADP
ajbmeb-3016	34	4	contractual	contractual	ADJ
ajbmeb-3016	34	5	terms	term	NOUN
ajbmeb-3016	34	6	minimizes	minimize	VERB
ajbmeb-3016	34	7	delays	delay	NOUN
ajbmeb-3016	34	8	and	and	CCONJ
ajbmeb-3016	34	9	associated	associated	ADJ
ajbmeb-3016	34	10	risks	risk	NOUN
ajbmeb-3016	34	11	.	.	PUNCT
ajbmeb-3016	35	1	under	under	ADP
ajbmeb-3016	35	2	such	such	ADJ
ajbmeb-3016	35	3	circumstances	circumstance	NOUN
ajbmeb-3016	35	4	,	,	PUNCT
ajbmeb-3016	35	5	the	the	DET
ajbmeb-3016	35	6	loan	loan	NOUN
ajbmeb-3016	35	7	is	be	AUX
ajbmeb-3016	35	8	classified	classify	VERB
ajbmeb-3016	35	9	as	as	ADP
ajbmeb-3016	35	10	high	high	ADJ
ajbmeb-3016	35	11	quality	quality	NOUN
ajbmeb-3016	35	12	after	after	ADP
ajbmeb-3016	35	13	several	several	ADJ
ajbmeb-3016	35	14	successful	successful	ADJ
ajbmeb-3016	35	15	payment	payment	NOUN
ajbmeb-3016	35	16	cycles	cycle	NOUN
ajbmeb-3016	35	17	.	.	PUNCT
ajbmeb-3016	36	1	this	this	PRON
ajbmeb-3016	36	2	,	,	PUNCT
ajbmeb-3016	36	3	in	in	ADP
ajbmeb-3016	36	4	turn	turn	NOUN
ajbmeb-3016	36	5	,	,	PUNCT
ajbmeb-3016	36	6	indicates	indicate	VERB
ajbmeb-3016	36	7	a	a	DET
ajbmeb-3016	36	8	low	low	ADJ
ajbmeb-3016	36	9	risk	risk	NOUN
ajbmeb-3016	36	10	level	level	NOUN
ajbmeb-3016	36	11	within	within	ADP
ajbmeb-3016	36	12	the	the	DET
ajbmeb-3016	36	13	credit	credit	NOUN
ajbmeb-3016	36	14	portfolio	portfolio	NOUN
ajbmeb-3016	36	15	,	,	PUNCT
ajbmeb-3016	36	16	consistent	consistent	ADJ
ajbmeb-3016	36	17	profitability	profitability	NOUN
ajbmeb-3016	36	18	,	,	PUNCT
ajbmeb-3016	36	19	and	and	CCONJ
ajbmeb-3016	36	20	the	the	DET
ajbmeb-3016	36	21	effective	effective	ADJ
ajbmeb-3016	36	22	execution	execution	NOUN
ajbmeb-3016	36	23	of	of	ADP
ajbmeb-3016	36	24	the	the	DET
ajbmeb-3016	36	25	bank	bank	NOUN
ajbmeb-3016	36	26	’s	’s	PART
ajbmeb-3016	36	27	financial	financial	ADJ
ajbmeb-3016	36	28	intermediation	intermediation	NOUN
ajbmeb-3016	36	29	function	function	NOUN
ajbmeb-3016	36	30	.	.	PUNCT
ajbmeb-3016	37	1	nevertheless	nevertheless	ADV
ajbmeb-3016	37	2	,	,	PUNCT
ajbmeb-3016	37	3	not	not	PART
ajbmeb-3016	37	4	all	all	DET
ajbmeb-3016	37	5	loans	loan	NOUN
ajbmeb-3016	37	6	are	be	AUX
ajbmeb-3016	37	7	serviced	service	VERB
ajbmeb-3016	37	8	in	in	ADP
ajbmeb-3016	37	9	accordance	accordance	NOUN
ajbmeb-3016	37	10	with	with	ADP
ajbmeb-3016	37	11	the	the	DET
ajbmeb-3016	37	12	agreement	agreement	NOUN
ajbmeb-3016	37	13	.	.	PUNCT
ajbmeb-3016	38	1	due	due	ADP
ajbmeb-3016	38	2	to	to	ADP
ajbmeb-3016	38	3	a	a	DET
ajbmeb-3016	38	4	combination	combination	NOUN
ajbmeb-3016	38	5	of	of	ADP
ajbmeb-3016	38	6	financial	financial	ADJ
ajbmeb-3016	38	7	,	,	PUNCT
ajbmeb-3016	38	8	operational	operational	ADJ
ajbmeb-3016	38	9	,	,	PUNCT
ajbmeb-3016	38	10	or	or	CCONJ
ajbmeb-3016	38	11	behavioral	behavioral	ADJ
ajbmeb-3016	38	12	factors	factor	NOUN
ajbmeb-3016	38	13	,	,	PUNCT
ajbmeb-3016	38	14	borrowers	borrower	NOUN
ajbmeb-3016	38	15	may	may	AUX
ajbmeb-3016	38	16	fail	fail	VERB
ajbmeb-3016	38	17	to	to	PART
ajbmeb-3016	38	18	meet	meet	VERB
ajbmeb-3016	38	19	their	their	PRON
ajbmeb-3016	38	20	payment	payment	NOUN
ajbmeb-3016	38	21	obligations	obligation	NOUN
ajbmeb-3016	38	22	on	on	ADP
ajbmeb-3016	38	23	time	time	NOUN
ajbmeb-3016	38	24	,	,	PUNCT
ajbmeb-3016	38	25	which	which	PRON
ajbmeb-3016	38	26	can	can	AUX
ajbmeb-3016	38	27	lead	lead	VERB
ajbmeb-3016	38	28	to	to	ADP
ajbmeb-3016	38	29	the	the	DET
ajbmeb-3016	38	30	accumulation	accumulation	NOUN
ajbmeb-3016	38	31	of	of	ADP
ajbmeb-3016	38	32	arrears	arrear	NOUN
ajbmeb-3016	38	33	or	or	CCONJ
ajbmeb-3016	38	34	,	,	PUNCT
ajbmeb-3016	38	35	in	in	ADP
ajbmeb-3016	38	36	more	more	ADV
ajbmeb-3016	38	37	severe	severe	ADJ
ajbmeb-3016	38	38	cases	case	NOUN
ajbmeb-3016	38	39	,	,	PUNCT
ajbmeb-3016	38	40	complete	complete	ADJ
ajbmeb-3016	38	41	default	default	NOUN
ajbmeb-3016	38	42	on	on	ADP
ajbmeb-3016	38	43	the	the	DET
ajbmeb-3016	38	44	loan	loan	NOUN
ajbmeb-3016	38	45	.	.	PUNCT
ajbmeb-3016	39	1	in	in	ADP
ajbmeb-3016	39	2	such	such	ADJ
ajbmeb-3016	39	3	cases	case	NOUN
ajbmeb-3016	39	4	,	,	PUNCT
ajbmeb-3016	39	5	the	the	DET
ajbmeb-3016	39	6	borrower	borrower	NOUN
ajbmeb-3016	39	7	may	may	AUX
ajbmeb-3016	39	8	be	be	AUX
ajbmeb-3016	39	9	deemed	deem	VERB
ajbmeb-3016	39	10	dishonest	dishonest	ADJ
ajbmeb-3016	39	11	,	,	PUNCT
ajbmeb-3016	39	12	and	and	CCONJ
ajbmeb-3016	39	13	the	the	DET
ajbmeb-3016	39	14	quality	quality	NOUN
ajbmeb-3016	39	15	classification	classification	NOUN
ajbmeb-3016	39	16	of	of	ADP
ajbmeb-3016	39	17	the	the	DET
ajbmeb-3016	39	18	issued	issue	VERB
ajbmeb-3016	39	19	american	american	ADJ
ajbmeb-3016	39	20	journal	journal	PROPN
ajbmeb-3016	39	21	of	of	ADP
ajbmeb-3016	39	22	business	business	NOUN
ajbmeb-3016	39	23	management	management	NOUN
ajbmeb-3016	39	24	,	,	PUNCT
ajbmeb-3016	39	25	economics	economic	NOUN
ajbmeb-3016	39	26	and	and	CCONJ
ajbmeb-3016	39	27	banking	banking	NOUN
ajbmeb-3016	39	28	volume	volume	NOUN
ajbmeb-3016	39	29	37	37	NUM
ajbmeb-3016	39	30	june2025	june2025	PROPN
ajbmeb-3016	39	31	p	p	NOUN
ajbmeb-3016	39	32	a	a	DET
ajbmeb-3016	39	33	g	g	NOUN
ajbmeb-3016	39	34	e	e	NOUN
ajbmeb-3016	39	35	|	|	ADV
ajbmeb-3016	39	36	104	104	NUM
ajbmeb-3016	39	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	39	38	loan	loan	NOUN
ajbmeb-3016	39	39	is	be	AUX
ajbmeb-3016	39	40	downgraded	downgrade	VERB
ajbmeb-3016	39	41	.	.	PUNCT
ajbmeb-3016	40	1	the	the	DET
ajbmeb-3016	40	2	presence	presence	NOUN
ajbmeb-3016	40	3	of	of	ADP
ajbmeb-3016	40	4	overdue	overdue	ADJ
ajbmeb-3016	40	5	loans	loan	NOUN
ajbmeb-3016	40	6	in	in	ADP
ajbmeb-3016	40	7	a	a	DET
ajbmeb-3016	40	8	bank	bank	NOUN
ajbmeb-3016	40	9	's	's	PART
ajbmeb-3016	40	10	portfolio	portfolio	NOUN
ajbmeb-3016	40	11	can	can	AUX
ajbmeb-3016	40	12	lead	lead	VERB
ajbmeb-3016	40	13	to	to	ADP
ajbmeb-3016	40	14	numerous	numerous	ADJ
ajbmeb-3016	40	15	negative	negative	ADJ
ajbmeb-3016	40	16	consequences	consequence	NOUN
ajbmeb-3016	40	17	:	:	PUNCT
ajbmeb-3016	40	18	firstly	firstly	ADV
ajbmeb-3016	40	19	,	,	PUNCT
ajbmeb-3016	40	20	any	any	DET
ajbmeb-3016	40	21	bank	bank	NOUN
ajbmeb-3016	40	22	loan	loan	NOUN
ajbmeb-3016	40	23	is	be	AUX
ajbmeb-3016	40	24	usually	usually	ADV
ajbmeb-3016	40	25	issued	issue	VERB
ajbmeb-3016	40	26	using	use	VERB
ajbmeb-3016	40	27	deposit	deposit	NOUN
ajbmeb-3016	40	28	funds	fund	NOUN
ajbmeb-3016	40	29	attracted	attract	VERB
ajbmeb-3016	40	30	from	from	ADP
ajbmeb-3016	40	31	clients	client	NOUN
ajbmeb-3016	40	32	.	.	PUNCT
ajbmeb-3016	41	1	the	the	DET
ajbmeb-3016	41	2	commercial	commercial	ADJ
ajbmeb-3016	41	3	bank	bank	NOUN
ajbmeb-3016	41	4	bears	bear	VERB
ajbmeb-3016	41	5	full	full	ADJ
ajbmeb-3016	41	6	legal	legal	ADJ
ajbmeb-3016	41	7	responsibility	responsibility	NOUN
ajbmeb-3016	41	8	for	for	ADP
ajbmeb-3016	41	9	these	these	DET
ajbmeb-3016	41	10	deposits	deposit	NOUN
ajbmeb-3016	41	11	.	.	PUNCT
ajbmeb-3016	42	1	secondly	secondly	ADV
ajbmeb-3016	42	2	,	,	PUNCT
ajbmeb-3016	42	3	overdue	overdue	ADJ
ajbmeb-3016	42	4	loans	loan	NOUN
ajbmeb-3016	42	5	are	be	AUX
ajbmeb-3016	42	6	subject	subject	ADJ
ajbmeb-3016	42	7	to	to	ADP
ajbmeb-3016	42	8	strict	strict	ADJ
ajbmeb-3016	42	9	oversight	oversight	NOUN
ajbmeb-3016	42	10	by	by	ADP
ajbmeb-3016	42	11	the	the	DET
ajbmeb-3016	42	12	regulator	regulator	NOUN
ajbmeb-3016	42	13	(	(	PUNCT
ajbmeb-3016	42	14	central	central	ADJ
ajbmeb-3016	42	15	bank	bank	NOUN
ajbmeb-3016	42	16	)	)	PUNCT
ajbmeb-3016	42	17	.	.	PUNCT
ajbmeb-3016	43	1	the	the	DET
ajbmeb-3016	43	2	regulator	regulator	NOUN
ajbmeb-3016	43	3	requires	require	VERB
ajbmeb-3016	43	4	the	the	DET
ajbmeb-3016	43	5	creation	creation	NOUN
ajbmeb-3016	43	6	of	of	ADP
ajbmeb-3016	43	7	loan	loan	NOUN
ajbmeb-3016	43	8	loss	loss	NOUN
ajbmeb-3016	43	9	provisions	provision	NOUN
ajbmeb-3016	43	10	for	for	ADP
ajbmeb-3016	43	11	any	any	DET
ajbmeb-3016	43	12	loans	loan	NOUN
ajbmeb-3016	43	13	that	that	PRON
ajbmeb-3016	43	14	become	become	VERB
ajbmeb-3016	43	15	overdue	overdue	ADJ
ajbmeb-3016	43	16	.	.	PUNCT
ajbmeb-3016	44	1	commercial	commercial	ADJ
ajbmeb-3016	44	2	banks	bank	NOUN
ajbmeb-3016	44	3	must	must	AUX
ajbmeb-3016	44	4	regularly	regularly	ADV
ajbmeb-3016	44	5	report	report	VERB
ajbmeb-3016	44	6	on	on	ADP
ajbmeb-3016	44	7	the	the	DET
ajbmeb-3016	44	8	presence	presence	NOUN
ajbmeb-3016	44	9	of	of	ADP
ajbmeb-3016	44	10	non	non	ADJ
ajbmeb-3016	44	11	-	-	ADJ
ajbmeb-3016	44	12	performing	performing	ADJ
ajbmeb-3016	44	13	loans	loan	NOUN
ajbmeb-3016	44	14	and	and	CCONJ
ajbmeb-3016	44	15	the	the	DET
ajbmeb-3016	44	16	amount	amount	NOUN
ajbmeb-3016	44	17	of	of	ADP
ajbmeb-3016	44	18	reserves	reserve	NOUN
ajbmeb-3016	44	19	formed	form	VERB
ajbmeb-3016	44	20	for	for	ADP
ajbmeb-3016	44	21	potential	potential	ADJ
ajbmeb-3016	44	22	loan	loan	NOUN
ajbmeb-3016	44	23	losses	loss	NOUN
ajbmeb-3016	44	24	.	.	PUNCT
ajbmeb-3016	45	1	the	the	DET
ajbmeb-3016	45	2	growth	growth	NOUN
ajbmeb-3016	45	3	of	of	ADP
ajbmeb-3016	45	4	non	non	ADJ
ajbmeb-3016	45	5	-	-	ADJ
ajbmeb-3016	45	6	performing	performing	ADJ
ajbmeb-3016	45	7	loans	loan	NOUN
ajbmeb-3016	45	8	has	have	VERB
ajbmeb-3016	45	9	a	a	DET
ajbmeb-3016	45	10	direct	direct	ADJ
ajbmeb-3016	45	11	negative	negative	ADJ
ajbmeb-3016	45	12	impact	impact	NOUN
ajbmeb-3016	45	13	on	on	ADP
ajbmeb-3016	45	14	a	a	DET
ajbmeb-3016	45	15	bank	bank	NOUN
ajbmeb-3016	45	16	's	's	PART
ajbmeb-3016	45	17	financial	financial	ADJ
ajbmeb-3016	45	18	condition	condition	NOUN
ajbmeb-3016	45	19	.	.	PUNCT
ajbmeb-3016	46	1	if	if	SCONJ
ajbmeb-3016	46	2	the	the	DET
ajbmeb-3016	46	3	share	share	NOUN
ajbmeb-3016	46	4	of	of	ADP
ajbmeb-3016	46	5	problem	problem	NOUN
ajbmeb-3016	46	6	loans	loan	NOUN
ajbmeb-3016	46	7	reaches	reach	VERB
ajbmeb-3016	46	8	critical	critical	ADJ
ajbmeb-3016	46	9	levels	level	NOUN
ajbmeb-3016	46	10	,	,	PUNCT
ajbmeb-3016	46	11	the	the	DET
ajbmeb-3016	46	12	bank	bank	NOUN
ajbmeb-3016	46	13	's	's	PART
ajbmeb-3016	46	14	operations	operation	NOUN
ajbmeb-3016	46	15	may	may	AUX
ajbmeb-3016	46	16	cease	cease	VERB
ajbmeb-3016	46	17	altogether	altogether	ADV
ajbmeb-3016	46	18	.	.	PUNCT
ajbmeb-3016	47	1	for	for	ADP
ajbmeb-3016	47	2	instance	instance	NOUN
ajbmeb-3016	47	3	,	,	PUNCT
ajbmeb-3016	47	4	in	in	ADP
ajbmeb-3016	47	5	2008	2008	NUM
ajbmeb-3016	47	6	,	,	PUNCT
ajbmeb-3016	47	7	several	several	ADJ
ajbmeb-3016	47	8	commercial	commercial	ADJ
ajbmeb-3016	47	9	banks	bank	NOUN
ajbmeb-3016	47	10	exited	exit	VERB
ajbmeb-3016	47	11	the	the	DET
ajbmeb-3016	47	12	financial	financial	ADJ
ajbmeb-3016	47	13	market	market	NOUN
ajbmeb-3016	47	14	for	for	ADP
ajbmeb-3016	47	15	this	this	DET
ajbmeb-3016	47	16	reason	reason	NOUN
ajbmeb-3016	47	17	.	.	PUNCT
ajbmeb-3016	48	1	currently	currently	ADV
ajbmeb-3016	48	2	,	,	PUNCT
ajbmeb-3016	48	3	there	there	PRON
ajbmeb-3016	48	4	are	be	VERB
ajbmeb-3016	48	5	two	two	NUM
ajbmeb-3016	48	6	main	main	ADJ
ajbmeb-3016	48	7	strategies	strategy	NOUN
ajbmeb-3016	48	8	to	to	PART
ajbmeb-3016	48	9	prevent	prevent	VERB
ajbmeb-3016	48	10	the	the	DET
ajbmeb-3016	48	11	increase	increase	NOUN
ajbmeb-3016	48	12	in	in	ADP
ajbmeb-3016	48	13	non	non	ADJ
ajbmeb-3016	48	14	-	-	ADJ
ajbmeb-3016	48	15	performing	performing	ADJ
ajbmeb-3016	48	16	loans	loan	NOUN
ajbmeb-3016	48	17	:	:	PUNCT
ajbmeb-3016	48	18	thorough	thorough	ADJ
ajbmeb-3016	48	19	pre	pre	ADJ
ajbmeb-3016	48	20	-	-	ADJ
ajbmeb-3016	48	21	loan	loan	ADJ
ajbmeb-3016	48	22	borrower	borrower	NOUN
ajbmeb-3016	48	23	assessment	assessment	NOUN
ajbmeb-3016	48	24	.	.	PUNCT
ajbmeb-3016	49	1	before	before	ADP
ajbmeb-3016	49	2	issuing	issue	VERB
ajbmeb-3016	49	3	a	a	DET
ajbmeb-3016	49	4	loan	loan	NOUN
ajbmeb-3016	49	5	,	,	PUNCT
ajbmeb-3016	49	6	banks	bank	NOUN
ajbmeb-3016	49	7	employ	employ	VERB
ajbmeb-3016	49	8	various	various	ADJ
ajbmeb-3016	49	9	evaluation	evaluation	NOUN
ajbmeb-3016	49	10	methodologies	methodology	NOUN
ajbmeb-3016	49	11	,	,	PUNCT
ajbmeb-3016	49	12	including	include	VERB
ajbmeb-3016	49	13	scoring	scoring	NOUN
ajbmeb-3016	49	14	models	model	NOUN
ajbmeb-3016	49	15	,	,	PUNCT
ajbmeb-3016	49	16	internal	internal	ADJ
ajbmeb-3016	49	17	security	security	NOUN
ajbmeb-3016	49	18	checks	check	NOUN
ajbmeb-3016	49	19	,	,	PUNCT
ajbmeb-3016	49	20	and	and	CCONJ
ajbmeb-3016	49	21	other	other	ADJ
ajbmeb-3016	49	22	risk	risk	NOUN
ajbmeb-3016	49	23	assessment	assessment	NOUN
ajbmeb-3016	49	24	tools	tool	NOUN
ajbmeb-3016	49	25	.	.	PUNCT
ajbmeb-3016	50	1	most	most	ADJ
ajbmeb-3016	50	2	banks	bank	NOUN
ajbmeb-3016	50	3	develop	develop	VERB
ajbmeb-3016	50	4	proprietary	proprietary	ADJ
ajbmeb-3016	50	5	assessment	assessment	NOUN
ajbmeb-3016	50	6	systems	system	NOUN
ajbmeb-3016	50	7	,	,	PUNCT
ajbmeb-3016	50	8	which	which	PRON
ajbmeb-3016	50	9	are	be	AUX
ajbmeb-3016	50	10	considered	consider	VERB
ajbmeb-3016	50	11	commercial	commercial	ADJ
ajbmeb-3016	50	12	secrets	secret	NOUN
ajbmeb-3016	50	13	.	.	PUNCT
ajbmeb-3016	51	1	active	active	ADJ
ajbmeb-3016	51	2	management	management	NOUN
ajbmeb-3016	51	3	of	of	ADP
ajbmeb-3016	51	4	overdue	overdue	ADJ
ajbmeb-3016	51	5	debt	debt	NOUN
ajbmeb-3016	51	6	.	.	PUNCT
ajbmeb-3016	52	1	the	the	DET
ajbmeb-3016	52	2	reasons	reason	NOUN
ajbmeb-3016	52	3	for	for	ADP
ajbmeb-3016	52	4	loan	loan	NOUN
ajbmeb-3016	52	5	defaults	default	NOUN
ajbmeb-3016	52	6	vary	vary	VERB
ajbmeb-3016	52	7	.	.	PUNCT
ajbmeb-3016	53	1	sometimes	sometimes	ADV
ajbmeb-3016	53	2	,	,	PUNCT
ajbmeb-3016	53	3	borrowers	borrower	NOUN
ajbmeb-3016	53	4	simply	simply	ADV
ajbmeb-3016	53	5	forget	forget	VERB
ajbmeb-3016	53	6	to	to	PART
ajbmeb-3016	53	7	make	make	VERB
ajbmeb-3016	53	8	payments	payment	NOUN
ajbmeb-3016	53	9	or	or	CCONJ
ajbmeb-3016	53	10	face	face	VERB
ajbmeb-3016	53	11	technical	technical	ADJ
ajbmeb-3016	53	12	issues	issue	NOUN
ajbmeb-3016	53	13	like	like	ADP
ajbmeb-3016	53	14	insufficient	insufficient	ADJ
ajbmeb-3016	53	15	account	account	NOUN
ajbmeb-3016	53	16	balances	balance	NOUN
ajbmeb-3016	53	17	.	.	PUNCT
ajbmeb-3016	54	1	others	other	NOUN
ajbmeb-3016	54	2	may	may	AUX
ajbmeb-3016	54	3	be	be	AUX
ajbmeb-3016	54	4	experiencing	experience	VERB
ajbmeb-3016	54	5	temporary	temporary	ADJ
ajbmeb-3016	54	6	financial	financial	ADJ
ajbmeb-3016	54	7	difficulties	difficulty	NOUN
ajbmeb-3016	54	8	,	,	PUNCT
ajbmeb-3016	54	9	while	while	SCONJ
ajbmeb-3016	54	10	some	some	DET
ajbmeb-3016	54	11	borrowers	borrower	NOUN
ajbmeb-3016	54	12	never	never	ADV
ajbmeb-3016	54	13	intended	intend	VERB
ajbmeb-3016	54	14	to	to	PART
ajbmeb-3016	54	15	repay	repay	VERB
ajbmeb-3016	54	16	the	the	DET
ajbmeb-3016	54	17	loan	loan	NOUN
ajbmeb-3016	54	18	an	an	DET
ajbmeb-3016	54	19	act	act	NOUN
ajbmeb-3016	54	20	considered	consider	VERB
ajbmeb-3016	54	21	fraudulent	fraudulent	ADJ
ajbmeb-3016	54	22	.	.	PUNCT
ajbmeb-3016	55	1	to	to	ADP
ajbmeb-3016	55	2	date	date	NOUN
ajbmeb-3016	55	3	,	,	PUNCT
ajbmeb-3016	55	4	no	no	DET
ajbmeb-3016	55	5	universal	universal	ADJ
ajbmeb-3016	55	6	mechanism	mechanism	NOUN
ajbmeb-3016	55	7	has	have	AUX
ajbmeb-3016	55	8	been	be	AUX
ajbmeb-3016	55	9	developed	develop	VERB
ajbmeb-3016	55	10	for	for	ADP
ajbmeb-3016	55	11	effectively	effectively	ADV
ajbmeb-3016	55	12	managing	manage	VERB
ajbmeb-3016	55	13	overdue	overdue	ADJ
ajbmeb-3016	55	14	debt	debt	NOUN
ajbmeb-3016	55	15	.	.	PUNCT
ajbmeb-3016	56	1	many	many	ADJ
ajbmeb-3016	56	2	questions	question	NOUN
ajbmeb-3016	56	3	remain	remain	VERB
ajbmeb-3016	56	4	unanswered	unanswered	ADJ
ajbmeb-3016	56	5	regarding	regard	VERB
ajbmeb-3016	56	6	optimal	optimal	ADJ
ajbmeb-3016	56	7	approaches	approach	NOUN
ajbmeb-3016	56	8	to	to	ADP
ajbmeb-3016	56	9	managing	manage	VERB
ajbmeb-3016	56	10	non	non	ADJ
ajbmeb-3016	56	11	-	-	ADJ
ajbmeb-3016	56	12	performing	perform	VERB
ajbmeb-3016	56	13	assets	asset	NOUN
ajbmeb-3016	56	14	.	.	PUNCT
ajbmeb-3016	57	1	each	each	DET
ajbmeb-3016	57	2	commercial	commercial	ADJ
ajbmeb-3016	57	3	bank	bank	PROPN
ajbmeb-3016	57	4	defines	define	VERB
ajbmeb-3016	57	5	its	its	PRON
ajbmeb-3016	57	6	own	own	ADJ
ajbmeb-3016	57	7	recovery	recovery	NOUN
ajbmeb-3016	57	8	strategy	strategy	NOUN
ajbmeb-3016	57	9	based	base	VERB
ajbmeb-3016	57	10	on	on	ADP
ajbmeb-3016	57	11	its	its	PRON
ajbmeb-3016	57	12	internal	internal	ADJ
ajbmeb-3016	57	13	governance	governance	NOUN
ajbmeb-3016	57	14	structure	structure	NOUN
ajbmeb-3016	57	15	,	,	PUNCT
ajbmeb-3016	57	16	the	the	DET
ajbmeb-3016	57	17	size	size	NOUN
ajbmeb-3016	57	18	and	and	CCONJ
ajbmeb-3016	57	19	quality	quality	NOUN
ajbmeb-3016	57	20	of	of	ADP
ajbmeb-3016	57	21	its	its	PRON
ajbmeb-3016	57	22	credit	credit	NOUN
ajbmeb-3016	57	23	portfolio	portfolio	NOUN
ajbmeb-3016	57	24	,	,	PUNCT
ajbmeb-3016	57	25	interdepartmental	interdepartmental	ADJ
ajbmeb-3016	57	26	coordination	coordination	NOUN
ajbmeb-3016	57	27	,	,	PUNCT
ajbmeb-3016	57	28	and	and	CCONJ
ajbmeb-3016	57	29	the	the	DET
ajbmeb-3016	57	30	degree	degree	NOUN
ajbmeb-3016	57	31	of	of	ADP
ajbmeb-3016	57	32	portfolio	portfolio	NOUN
ajbmeb-3016	57	33	risk	risk	NOUN
ajbmeb-3016	57	34	.	.	PUNCT
ajbmeb-3016	58	1	the	the	DET
ajbmeb-3016	58	2	most	most	ADV
ajbmeb-3016	58	3	common	common	ADJ
ajbmeb-3016	58	4	causes	cause	NOUN
ajbmeb-3016	58	5	of	of	ADP
ajbmeb-3016	58	6	non	non	ADJ
ajbmeb-3016	58	7	-	-	ADJ
ajbmeb-3016	58	8	performing	performing	ADJ
ajbmeb-3016	58	9	loans	loan	NOUN
ajbmeb-3016	58	10	(	(	PUNCT
ajbmeb-3016	58	11	npls	npls	NOUN
ajbmeb-3016	58	12	)	)	PUNCT
ajbmeb-3016	58	13	in	in	ADP
ajbmeb-3016	58	14	commercial	commercial	ADJ
ajbmeb-3016	58	15	banks	bank	NOUN
ajbmeb-3016	58	16	can	can	AUX
ajbmeb-3016	58	17	be	be	AUX
ajbmeb-3016	58	18	effectively	effectively	ADV
ajbmeb-3016	58	19	illustrated	illustrate	VERB
ajbmeb-3016	58	20	through	through	ADP
ajbmeb-3016	58	21	a	a	DET
ajbmeb-3016	58	22	comprehensive	comprehensive	ADJ
ajbmeb-3016	58	23	diagram	diagram	NOUN
ajbmeb-3016	58	24	that	that	PRON
ajbmeb-3016	58	25	categorizes	categorize	VERB
ajbmeb-3016	58	26	both	both	CCONJ
ajbmeb-3016	58	27	internal	internal	ADJ
ajbmeb-3016	58	28	and	and	CCONJ
ajbmeb-3016	58	29	external	external	ADJ
ajbmeb-3016	58	30	risk	risk	NOUN
ajbmeb-3016	58	31	factors	factor	NOUN
ajbmeb-3016	58	32	contributing	contribute	VERB
ajbmeb-3016	58	33	to	to	ADP
ajbmeb-3016	58	34	loan	loan	NOUN
ajbmeb-3016	58	35	defaults	default	NOUN
ajbmeb-3016	58	36	picture	picture	NOUN
ajbmeb-3016	58	37	1	1	NUM
ajbmeb-3016	58	38	.	.	PUNCT
ajbmeb-3016	58	39	main	main	ADJ
ajbmeb-3016	58	40	causes	cause	NOUN
ajbmeb-3016	58	41	of	of	ADP
ajbmeb-3016	58	42	non	non	ADJ
ajbmeb-3016	58	43	-	-	ADJ
ajbmeb-3016	58	44	performing	performing	ADJ
ajbmeb-3016	58	45	loans	loan	NOUN
ajbmeb-3016	58	46	in	in	ADP
ajbmeb-3016	58	47	commercial	commercial	ADJ
ajbmeb-3016	58	48	banking	banking	NOUN
ajbmeb-3016	58	49	this	this	DET
ajbmeb-3016	58	50	situation	situation	NOUN
ajbmeb-3016	58	51	is	be	AUX
ajbmeb-3016	58	52	exacerbated	exacerbate	VERB
ajbmeb-3016	58	53	in	in	ADP
ajbmeb-3016	58	54	periods	period	NOUN
ajbmeb-3016	58	55	of	of	ADP
ajbmeb-3016	58	56	economic	economic	ADJ
ajbmeb-3016	58	57	instability	instability	NOUN
ajbmeb-3016	58	58	,	,	PUNCT
ajbmeb-3016	58	59	particularly	particularly	ADV
ajbmeb-3016	58	60	when	when	SCONJ
ajbmeb-3016	58	61	borrowers	borrower	NOUN
ajbmeb-3016	58	62	face	face	VERB
ajbmeb-3016	58	63	financial	financial	ADJ
ajbmeb-3016	58	64	and	and	CCONJ
ajbmeb-3016	58	65	social	social	ADJ
ajbmeb-3016	58	66	difficulties	difficulty	NOUN
ajbmeb-3016	58	67	.	.	PUNCT
ajbmeb-3016	59	1	inaccurate	inaccurate	ADJ
ajbmeb-3016	59	2	assessment	assessment	NOUN
ajbmeb-3016	59	3	of	of	ADP
ajbmeb-3016	59	4	the	the	DET
ajbmeb-3016	59	5	borrower	borrower	NOUN
ajbmeb-3016	59	6	's	's	PART
ajbmeb-3016	59	7	creditworthiness	creditworthiness	NOUN
ajbmeb-3016	59	8	;	;	PUNCT
ajbmeb-3016	59	9	insufficient	insufficient	ADJ
ajbmeb-3016	59	10	collateral	collateral	NOUN
ajbmeb-3016	59	11	or	or	CCONJ
ajbmeb-3016	59	12	guarantees	guarantee	NOUN
ajbmeb-3016	59	13	;	;	PUNCT
ajbmeb-3016	59	14	poor	poor	ADJ
ajbmeb-3016	59	15	evaluation	evaluation	NOUN
ajbmeb-3016	59	16	of	of	ADP
ajbmeb-3016	59	17	macroeconomic	macroeconomic	ADJ
ajbmeb-3016	59	18	factors	factor	NOUN
ajbmeb-3016	59	19	.	.	PUNCT
ajbmeb-3016	60	1	american	american	ADJ
ajbmeb-3016	60	2	journal	journal	PROPN
ajbmeb-3016	60	3	of	of	ADP
ajbmeb-3016	60	4	business	business	NOUN
ajbmeb-3016	60	5	management	management	NOUN
ajbmeb-3016	60	6	,	,	PUNCT
ajbmeb-3016	60	7	economics	economic	NOUN
ajbmeb-3016	60	8	and	and	CCONJ
ajbmeb-3016	60	9	banking	banking	NOUN
ajbmeb-3016	60	10	volume	volume	NOUN
ajbmeb-3016	60	11	37	37	NUM
ajbmeb-3016	60	12	june2025	june2025	PROPN
ajbmeb-3016	60	13	p	p	NOUN
ajbmeb-3016	60	14	a	a	DET
ajbmeb-3016	60	15	g	g	NOUN
ajbmeb-3016	60	16	e	e	PROPN
ajbmeb-3016	60	17	|	|	ADV
ajbmeb-3016	60	18	105	105	NUM
ajbmeb-3016	60	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	60	20	a	a	DET
ajbmeb-3016	60	21	loan	loan	NOUN
ajbmeb-3016	60	22	is	be	AUX
ajbmeb-3016	60	23	classified	classify	VERB
ajbmeb-3016	60	24	as	as	ADP
ajbmeb-3016	60	25	overdue	overdue	ADJ
ajbmeb-3016	60	26	if	if	SCONJ
ajbmeb-3016	60	27	the	the	DET
ajbmeb-3016	60	28	borrower	borrower	NOUN
ajbmeb-3016	60	29	fails	fail	VERB
ajbmeb-3016	60	30	to	to	PART
ajbmeb-3016	60	31	make	make	VERB
ajbmeb-3016	60	32	payments	payment	NOUN
ajbmeb-3016	60	33	as	as	SCONJ
ajbmeb-3016	60	34	scheduled	schedule	VERB
ajbmeb-3016	60	35	in	in	ADP
ajbmeb-3016	60	36	the	the	DET
ajbmeb-3016	60	37	loan	loan	NOUN
ajbmeb-3016	60	38	agreement	agreement	NOUN
ajbmeb-3016	60	39	.	.	PUNCT
ajbmeb-3016	61	1	whether	whether	SCONJ
ajbmeb-3016	61	2	a	a	DET
ajbmeb-3016	61	3	loan	loan	NOUN
ajbmeb-3016	61	4	is	be	AUX
ajbmeb-3016	61	5	classified	classify	VERB
ajbmeb-3016	61	6	as	as	ADP
ajbmeb-3016	61	7	non	non	ADJ
ajbmeb-3016	61	8	-	-	ADJ
ajbmeb-3016	61	9	performing	performing	ADJ
ajbmeb-3016	61	10	depends	depend	VERB
ajbmeb-3016	61	11	on	on	ADP
ajbmeb-3016	61	12	the	the	DET
ajbmeb-3016	61	13	internal	internal	ADJ
ajbmeb-3016	61	14	credit	credit	NOUN
ajbmeb-3016	61	15	policy	policy	NOUN
ajbmeb-3016	61	16	of	of	ADP
ajbmeb-3016	61	17	the	the	DET
ajbmeb-3016	61	18	bank	bank	NOUN
ajbmeb-3016	61	19	.	.	PUNCT
ajbmeb-3016	62	1	some	some	DET
ajbmeb-3016	62	2	banks	bank	NOUN
ajbmeb-3016	62	3	consider	consider	VERB
ajbmeb-3016	62	4	loans	loan	NOUN
ajbmeb-3016	62	5	overdue	overdue	ADJ
ajbmeb-3016	62	6	after	after	ADP
ajbmeb-3016	62	7	just	just	ADV
ajbmeb-3016	62	8	one	one	NUM
ajbmeb-3016	62	9	or	or	CCONJ
ajbmeb-3016	62	10	two	two	NUM
ajbmeb-3016	62	11	days	day	NOUN
ajbmeb-3016	62	12	of	of	ADP
ajbmeb-3016	62	13	delay	delay	NOUN
ajbmeb-3016	62	14	,	,	PUNCT
ajbmeb-3016	62	15	while	while	SCONJ
ajbmeb-3016	62	16	others	other	NOUN
ajbmeb-3016	62	17	use	use	VERB
ajbmeb-3016	62	18	a	a	DET
ajbmeb-3016	62	19	30day	30day	NOUN
ajbmeb-3016	62	20	threshold	threshold	NOUN
ajbmeb-3016	62	21	.	.	PUNCT
ajbmeb-3016	63	1	typically	typically	ADV
ajbmeb-3016	63	2	,	,	PUNCT
ajbmeb-3016	63	3	commercial	commercial	ADJ
ajbmeb-3016	63	4	banks	bank	NOUN
ajbmeb-3016	63	5	attempt	attempt	VERB
ajbmeb-3016	63	6	to	to	PART
ajbmeb-3016	63	7	contact	contact	VERB
ajbmeb-3016	63	8	borrowers	borrower	NOUN
ajbmeb-3016	63	9	within	within	ADP
ajbmeb-3016	63	10	the	the	DET
ajbmeb-3016	63	11	period	period	NOUN
ajbmeb-3016	63	12	defined	define	VERB
ajbmeb-3016	63	13	in	in	ADP
ajbmeb-3016	63	14	the	the	DET
ajbmeb-3016	63	15	credit	credit	NOUN
ajbmeb-3016	63	16	contract	contract	NOUN
ajbmeb-3016	63	17	,	,	PUNCT
ajbmeb-3016	63	18	identify	identify	VERB
ajbmeb-3016	63	19	the	the	DET
ajbmeb-3016	63	20	reasons	reason	NOUN
ajbmeb-3016	63	21	for	for	ADP
ajbmeb-3016	63	22	the	the	DET
ajbmeb-3016	63	23	delay	delay	NOUN
ajbmeb-3016	63	24	,	,	PUNCT
ajbmeb-3016	63	25	and	and	CCONJ
ajbmeb-3016	63	26	implement	implement	VERB
ajbmeb-3016	63	27	measures	measure	NOUN
ajbmeb-3016	63	28	to	to	PART
ajbmeb-3016	63	29	resolve	resolve	VERB
ajbmeb-3016	63	30	the	the	DET
ajbmeb-3016	63	31	issue	issue	NOUN
ajbmeb-3016	63	32	.	.	PUNCT
ajbmeb-3016	64	1	if	if	SCONJ
ajbmeb-3016	64	2	the	the	DET
ajbmeb-3016	64	3	loan	loan	NOUN
ajbmeb-3016	64	4	is	be	AUX
ajbmeb-3016	64	5	secured	secure	VERB
ajbmeb-3016	64	6	by	by	ADP
ajbmeb-3016	64	7	collateral	collateral	NOUN
ajbmeb-3016	64	8	,	,	PUNCT
ajbmeb-3016	64	9	the	the	DET
ajbmeb-3016	64	10	bank	bank	NOUN
ajbmeb-3016	64	11	has	have	VERB
ajbmeb-3016	64	12	the	the	DET
ajbmeb-3016	64	13	right	right	NOUN
ajbmeb-3016	64	14	to	to	PART
ajbmeb-3016	64	15	initiate	initiate	VERB
ajbmeb-3016	64	16	enforcement	enforcement	NOUN
ajbmeb-3016	64	17	procedures	procedure	NOUN
ajbmeb-3016	64	18	if	if	SCONJ
ajbmeb-3016	64	19	necessary	necessary	ADJ
ajbmeb-3016	64	20	.	.	PUNCT
ajbmeb-3016	65	1	based	base	VERB
ajbmeb-3016	65	2	on	on	ADP
ajbmeb-3016	65	3	the	the	DET
ajbmeb-3016	65	4	table	table	NOUN
ajbmeb-3016	65	5	below	below	ADV
ajbmeb-3016	65	6	,	,	PUNCT
ajbmeb-3016	65	7	an	an	DET
ajbmeb-3016	65	8	analysis	analysis	NOUN
ajbmeb-3016	65	9	is	be	AUX
ajbmeb-3016	65	10	conducted	conduct	VERB
ajbmeb-3016	65	11	of	of	ADP
ajbmeb-3016	65	12	the	the	DET
ajbmeb-3016	65	13	commercial	commercial	ADJ
ajbmeb-3016	65	14	banks	bank	NOUN
ajbmeb-3016	65	15	operating	operate	VERB
ajbmeb-3016	65	16	in	in	ADP
ajbmeb-3016	65	17	uzbekistan	uzbekistan	PROPN
ajbmeb-3016	65	18	that	that	PRON
ajbmeb-3016	65	19	have	have	VERB
ajbmeb-3016	65	20	the	the	DET
ajbmeb-3016	65	21	highest	high	ADJ
ajbmeb-3016	65	22	levels	level	NOUN
ajbmeb-3016	65	23	of	of	ADP
ajbmeb-3016	65	24	non	non	ADJ
ajbmeb-3016	65	25	-	-	ADJ
ajbmeb-3016	65	26	performing	performing	ADJ
ajbmeb-3016	65	27	loans	loan	NOUN
ajbmeb-3016	65	28	(	(	PUNCT
ajbmeb-3016	65	29	npls	npls	NOUN
ajbmeb-3016	65	30	)	)	PUNCT
ajbmeb-3016	65	31	.	.	PUNCT
ajbmeb-3016	66	1	table	table	NOUN
ajbmeb-3016	66	2	1	1	NUM
ajbmeb-3016	66	3	comparative	comparative	ADJ
ajbmeb-3016	66	4	analysis	analysis	NOUN
ajbmeb-3016	66	5	of	of	ADP
ajbmeb-3016	66	6	non	non	ADJ
ajbmeb-3016	66	7	-	-	ADJ
ajbmeb-3016	66	8	performing	performing	ADJ
ajbmeb-3016	66	9	loan	loan	NOUN
ajbmeb-3016	66	10	(	(	PUNCT
ajbmeb-3016	66	11	npl	npl	NOUN
ajbmeb-3016	66	12	)	)	PUNCT
ajbmeb-3016	66	13	ratios	ratio	NOUN
ajbmeb-3016	66	14	in	in	ADP
ajbmeb-3016	66	15	selected	select	VERB
ajbmeb-3016	66	16	commercial	commercial	ADJ
ajbmeb-3016	66	17	banks	bank	NOUN
ajbmeb-3016	66	18	in	in	ADP
ajbmeb-3016	66	19	uzbekistan	uzbekistan	PROPN
ajbmeb-3016	66	20	[	[	X
ajbmeb-3016	66	21	8	8	NUM
ajbmeb-3016	66	22	]	]	PUNCT
ajbmeb-3016	66	23	bank	bank	NOUN
ajbmeb-3016	66	24	name	name	NOUN
ajbmeb-3016	66	25	total	total	ADJ
ajbmeb-3016	66	26	loans	loan	NOUN
ajbmeb-3016	66	27	(	(	PUNCT
ajbmeb-3016	66	28	billion	billion	NUM
ajbmeb-3016	66	29	uzs	uzs	NOUN
ajbmeb-3016	66	30	)	)	PUNCT
ajbmeb-3016	66	31	npl	npl	NOUN
ajbmeb-3016	66	32	volume	volume	NOUN
ajbmeb-3016	66	33	(	(	PUNCT
ajbmeb-3016	66	34	billion	billion	NUM
ajbmeb-3016	66	35	uzs	uzs	NOUN
ajbmeb-3016	66	36	)	)	PUNCT
ajbmeb-3016	66	37	npl	npl	PROPN
ajbmeb-3016	66	38	ratio	ratio	NOUN
ajbmeb-3016	66	39	(	(	PUNCT
ajbmeb-3016	66	40	%	%	INTJ
ajbmeb-3016	66	41	)	)	PUNCT
ajbmeb-3016	66	42	madad	madad	PROPN
ajbmeb-3016	66	43	invest	invest	VERB
ajbmeb-3016	66	44	bank	bank	PROPN
ajbmeb-3016	66	45	307	307	NUM
ajbmeb-3016	66	46	74	74	NUM
ajbmeb-3016	66	47	24,1	24,1	NUM
ajbmeb-3016	66	48	%	%	NOUN
ajbmeb-3016	66	49	garant	garant	PROPN
ajbmeb-3016	66	50	bank	bank	NOUN
ajbmeb-3016	66	51	797	797	NUM
ajbmeb-3016	66	52	118	118	NUM
ajbmeb-3016	66	53	14,8	14,8	NUM
ajbmeb-3016	66	54	%	%	NOUN
ajbmeb-3016	66	55	avo	avo	PROPN
ajbmeb-3016	66	56	bank	bank	NOUN
ajbmeb-3016	66	57	283	283	NUM
ajbmeb-3016	66	58	36	36	NUM
ajbmeb-3016	66	59	12,5	12,5	NUM
ajbmeb-3016	66	60	%	%	NOUN
ajbmeb-3016	66	61	ipoteka	ipoteka	PROPN
ajbmeb-3016	66	62	bank	bank	PROPN
ajbmeb-3016	66	63	35,094	35,094	NUM
ajbmeb-3016	66	64	3577	3577	NUM
ajbmeb-3016	66	65	10,2	10,2	NUM
ajbmeb-3016	66	66	%	%	NOUN
ajbmeb-3016	66	67	yangi	yangi	PROPN
ajbmeb-3016	66	68	bank	bank	PROPN
ajbmeb-3016	66	69	138	138	NUM
ajbmeb-3016	66	70	12	12	NUM
ajbmeb-3016	66	71	8,7	8,7	NUM
ajbmeb-3016	66	72	%	%	NOUN
ajbmeb-3016	66	73	business	business	NOUN
ajbmeb-3016	66	74	development	development	PROPN
ajbmeb-3016	66	75	bank	bank	PROPN
ajbmeb-3016	66	76	22527	22527	NUM
ajbmeb-3016	66	77	1915	1915	NUM
ajbmeb-3016	66	78	8,5	8,5	NUM
ajbmeb-3016	66	79	%	%	NOUN
ajbmeb-3016	66	80	saderat	saderat	NOUN
ajbmeb-3016	66	81	bank	bank	PROPN
ajbmeb-3016	66	82	21	21	NUM
ajbmeb-3016	66	83	1	1	NUM
ajbmeb-3016	66	84	6,6	6,6	NUM
ajbmeb-3016	66	85	%	%	NOUN
ajbmeb-3016	66	86	agrobank	agrobank	NOUN
ajbmeb-3016	66	87	59436	59436	NUM
ajbmeb-3016	66	88	2,903	2,903	NUM
ajbmeb-3016	67	1	4,9	4,9	NUM
ajbmeb-3016	67	2	%	%	NOUN
ajbmeb-3016	67	3	microcreditbank	microcreditbank	ADJ
ajbmeb-3016	67	4	17416	17416	NUM
ajbmeb-3016	67	5	804	804	NUM
ajbmeb-3016	67	6	4,6	4,6	NUM
ajbmeb-3016	67	7	%	%	NOUN
ajbmeb-3016	67	8	kapital	kapital	PROPN
ajbmeb-3016	67	9	bank	bank	PROPN
ajbmeb-3016	67	10	31584	31584	NUM
ajbmeb-3016	67	11	1437	1437	NUM
ajbmeb-3016	67	12	4,5	4,5	NUM
ajbmeb-3016	67	13	%	%	NOUN
ajbmeb-3016	67	14	this	this	DET
ajbmeb-3016	67	15	table	table	NOUN
ajbmeb-3016	67	16	presents	present	VERB
ajbmeb-3016	67	17	the	the	DET
ajbmeb-3016	67	18	volume	volume	NOUN
ajbmeb-3016	67	19	of	of	ADP
ajbmeb-3016	67	20	total	total	ADJ
ajbmeb-3016	67	21	loans	loan	NOUN
ajbmeb-3016	67	22	,	,	PUNCT
ajbmeb-3016	67	23	the	the	DET
ajbmeb-3016	67	24	number	number	NOUN
ajbmeb-3016	67	25	of	of	ADP
ajbmeb-3016	67	26	non	non	ADJ
ajbmeb-3016	67	27	-	-	ADJ
ajbmeb-3016	67	28	performing	performing	ADJ
ajbmeb-3016	67	29	loans	loan	NOUN
ajbmeb-3016	67	30	,	,	PUNCT
ajbmeb-3016	67	31	and	and	CCONJ
ajbmeb-3016	67	32	the	the	DET
ajbmeb-3016	67	33	corresponding	correspond	VERB
ajbmeb-3016	67	34	npl	npl	PROPN
ajbmeb-3016	67	35	ratio	ratio	NOUN
ajbmeb-3016	67	36	(	(	PUNCT
ajbmeb-3016	67	37	%	%	INTJ
ajbmeb-3016	67	38	)	)	PUNCT
ajbmeb-3016	67	39	for	for	ADP
ajbmeb-3016	67	40	selected	select	VERB
ajbmeb-3016	67	41	commercial	commercial	ADJ
ajbmeb-3016	67	42	banks	bank	NOUN
ajbmeb-3016	67	43	operating	operate	VERB
ajbmeb-3016	67	44	in	in	ADP
ajbmeb-3016	67	45	uzbekistan	uzbekistan	PROPN
ajbmeb-3016	67	46	.	.	PUNCT
ajbmeb-3016	68	1	the	the	DET
ajbmeb-3016	68	2	analysis	analysis	NOUN
ajbmeb-3016	68	3	reveals	reveal	VERB
ajbmeb-3016	68	4	that	that	SCONJ
ajbmeb-3016	68	5	madad	madad	PROPN
ajbmeb-3016	68	6	invest	invest	VERB
ajbmeb-3016	68	7	bank	bank	PROPN
ajbmeb-3016	68	8	has	have	VERB
ajbmeb-3016	68	9	the	the	DET
ajbmeb-3016	68	10	highest	high	ADJ
ajbmeb-3016	68	11	npl	npl	NOUN
ajbmeb-3016	68	12	ratio	ratio	NOUN
ajbmeb-3016	68	13	at	at	ADP
ajbmeb-3016	68	14	24,1	24,1	NUM
ajbmeb-3016	68	15	%	%	NOUN
ajbmeb-3016	68	16	,	,	PUNCT
ajbmeb-3016	68	17	indicating	indicate	VERB
ajbmeb-3016	68	18	that	that	SCONJ
ajbmeb-3016	68	19	nearly	nearly	ADV
ajbmeb-3016	68	20	a	a	PRON
ajbmeb-3016	68	21	quarter	quarter	NOUN
ajbmeb-3016	68	22	of	of	ADP
ajbmeb-3016	68	23	its	its	PRON
ajbmeb-3016	68	24	loan	loan	NOUN
ajbmeb-3016	68	25	portfolio	portfolio	NOUN
ajbmeb-3016	68	26	is	be	AUX
ajbmeb-3016	68	27	not	not	PART
ajbmeb-3016	68	28	being	be	AUX
ajbmeb-3016	68	29	serviced	service	VERB
ajbmeb-3016	68	30	properly	properly	ADV
ajbmeb-3016	68	31	.	.	PUNCT
ajbmeb-3016	69	1	this	this	PRON
ajbmeb-3016	69	2	suggests	suggest	VERB
ajbmeb-3016	69	3	significant	significant	ADJ
ajbmeb-3016	69	4	credit	credit	NOUN
ajbmeb-3016	69	5	risk	risk	NOUN
ajbmeb-3016	69	6	and	and	CCONJ
ajbmeb-3016	69	7	potential	potential	ADJ
ajbmeb-3016	69	8	weaknesses	weakness	NOUN
ajbmeb-3016	69	9	in	in	ADP
ajbmeb-3016	69	10	credit	credit	NOUN
ajbmeb-3016	69	11	evaluation	evaluation	NOUN
ajbmeb-3016	69	12	or	or	CCONJ
ajbmeb-3016	69	13	recovery	recovery	NOUN
ajbmeb-3016	69	14	mechanisms	mechanism	NOUN
ajbmeb-3016	69	15	.	.	PUNCT
ajbmeb-3016	70	1	garant	garant	PROPN
ajbmeb-3016	70	2	bank	bank	PROPN
ajbmeb-3016	70	3	(	(	PUNCT
ajbmeb-3016	70	4	14,8	14,8	NUM
ajbmeb-3016	70	5	%	%	NOUN
ajbmeb-3016	70	6	)	)	PUNCT
ajbmeb-3016	70	7	and	and	CCONJ
ajbmeb-3016	70	8	avo	avo	PROPN
ajbmeb-3016	70	9	bank	bank	NOUN
ajbmeb-3016	70	10	(	(	PUNCT
ajbmeb-3016	70	11	12,5	12,5	NUM
ajbmeb-3016	70	12	%	%	NOUN
ajbmeb-3016	70	13	)	)	PUNCT
ajbmeb-3016	70	14	also	also	ADV
ajbmeb-3016	70	15	demonstrate	demonstrate	VERB
ajbmeb-3016	70	16	relatively	relatively	ADV
ajbmeb-3016	70	17	high	high	ADJ
ajbmeb-3016	70	18	levels	level	NOUN
ajbmeb-3016	70	19	of	of	ADP
ajbmeb-3016	70	20	problem	problem	NOUN
ajbmeb-3016	70	21	loans	loan	NOUN
ajbmeb-3016	70	22	,	,	PUNCT
ajbmeb-3016	70	23	placing	place	VERB
ajbmeb-3016	70	24	them	they	PRON
ajbmeb-3016	70	25	in	in	ADP
ajbmeb-3016	70	26	a	a	DET
ajbmeb-3016	70	27	high	high	ADJ
ajbmeb-3016	70	28	-	-	PUNCT
ajbmeb-3016	70	29	risk	risk	NOUN
ajbmeb-3016	70	30	category	category	NOUN
ajbmeb-3016	70	31	.	.	PUNCT
ajbmeb-3016	71	1	ipoteka	ipoteka	PROPN
ajbmeb-3016	71	2	bank	bank	PROPN
ajbmeb-3016	71	3	,	,	PUNCT
ajbmeb-3016	71	4	business	business	PROPN
ajbmeb-3016	71	5	development	development	PROPN
ajbmeb-3016	71	6	bank	bank	PROPN
ajbmeb-3016	71	7	,	,	PUNCT
ajbmeb-3016	71	8	and	and	CCONJ
ajbmeb-3016	71	9	yangi	yangi	PROPN
ajbmeb-3016	71	10	bank	bank	PROPN
ajbmeb-3016	71	11	also	also	ADV
ajbmeb-3016	71	12	report	report	VERB
ajbmeb-3016	71	13	elevated	elevated	ADJ
ajbmeb-3016	71	14	npl	npl	NOUN
ajbmeb-3016	71	15	ratios	ratio	NOUN
ajbmeb-3016	71	16	,	,	PUNCT
ajbmeb-3016	71	17	ranging	range	VERB
ajbmeb-3016	71	18	from	from	ADP
ajbmeb-3016	71	19	8,5	8,5	NUM
ajbmeb-3016	71	20	%	%	NOUN
ajbmeb-3016	71	21	to	to	ADP
ajbmeb-3016	71	22	10,2	10,2	NUM
ajbmeb-3016	71	23	%	%	NOUN
ajbmeb-3016	71	24	,	,	PUNCT
ajbmeb-3016	71	25	signaling	signal	VERB
ajbmeb-3016	71	26	a	a	DET
ajbmeb-3016	71	27	need	need	NOUN
ajbmeb-3016	71	28	for	for	ADP
ajbmeb-3016	71	29	strengthened	strengthen	VERB
ajbmeb-3016	71	30	credit	credit	NOUN
ajbmeb-3016	71	31	risk	risk	NOUN
ajbmeb-3016	71	32	management	management	NOUN
ajbmeb-3016	71	33	practices	practice	NOUN
ajbmeb-3016	71	34	.	.	PUNCT
ajbmeb-3016	72	1	meanwhile	meanwhile	ADV
ajbmeb-3016	72	2	,	,	PUNCT
ajbmeb-3016	72	3	agrobank	agrobank	PROPN
ajbmeb-3016	72	4	,	,	PUNCT
ajbmeb-3016	72	5	kapital	kapital	PROPN
ajbmeb-3016	72	6	bank	bank	PROPN
ajbmeb-3016	72	7	,	,	PUNCT
ajbmeb-3016	72	8	and	and	CCONJ
ajbmeb-3016	72	9	mikrokreditbank	mikrokreditbank	ADJ
ajbmeb-3016	72	10	show	show	VERB
ajbmeb-3016	72	11	comparatively	comparatively	ADV
ajbmeb-3016	72	12	lower	low	ADJ
ajbmeb-3016	72	13	npl	npl	NOUN
ajbmeb-3016	72	14	ratios	ratio	NOUN
ajbmeb-3016	72	15	(	(	PUNCT
ajbmeb-3016	72	16	between	between	ADP
ajbmeb-3016	72	17	4,5	4,5	NUM
ajbmeb-3016	72	18	%	%	NOUN
ajbmeb-3016	72	19	and	and	CCONJ
ajbmeb-3016	72	20	4,9	4,9	NUM
ajbmeb-3016	72	21	%	%	NOUN
ajbmeb-3016	72	22	)	)	PUNCT
ajbmeb-3016	72	23	,	,	PUNCT
ajbmeb-3016	72	24	but	but	CCONJ
ajbmeb-3016	72	25	even	even	ADV
ajbmeb-3016	72	26	these	these	DET
ajbmeb-3016	72	27	levels	level	NOUN
ajbmeb-3016	72	28	require	require	VERB
ajbmeb-3016	72	29	close	close	ADJ
ajbmeb-3016	72	30	monitoring	monitoring	NOUN
ajbmeb-3016	72	31	,	,	PUNCT
ajbmeb-3016	72	32	as	as	SCONJ
ajbmeb-3016	72	33	a	a	DET
ajbmeb-3016	72	34	persistent	persistent	ADJ
ajbmeb-3016	72	35	npl	npl	NOUN
ajbmeb-3016	72	36	rate	rate	NOUN
ajbmeb-3016	72	37	above	above	ADP
ajbmeb-3016	72	38	4	4	NUM
ajbmeb-3016	72	39	%	%	NOUN
ajbmeb-3016	72	40	may	may	AUX
ajbmeb-3016	72	41	still	still	ADV
ajbmeb-3016	72	42	have	have	VERB
ajbmeb-3016	72	43	a	a	DET
ajbmeb-3016	72	44	negative	negative	ADJ
ajbmeb-3016	72	45	impact	impact	NOUN
ajbmeb-3016	72	46	on	on	ADP
ajbmeb-3016	72	47	asset	asset	NOUN
ajbmeb-3016	72	48	quality	quality	NOUN
ajbmeb-3016	72	49	and	and	CCONJ
ajbmeb-3016	72	50	financial	financial	ADJ
ajbmeb-3016	72	51	stability	stability	NOUN
ajbmeb-3016	72	52	in	in	ADP
ajbmeb-3016	72	53	the	the	DET
ajbmeb-3016	72	54	medium	medium	ADJ
ajbmeb-3016	72	55	term	term	NOUN
ajbmeb-3016	72	56	.	.	PUNCT
ajbmeb-3016	73	1	in	in	ADP
ajbmeb-3016	73	2	commercial	commercial	ADJ
ajbmeb-3016	73	3	banks	bank	NOUN
ajbmeb-3016	73	4	,	,	PUNCT
ajbmeb-3016	73	5	the	the	DET
ajbmeb-3016	73	6	management	management	NOUN
ajbmeb-3016	73	7	of	of	ADP
ajbmeb-3016	73	8	non	non	ADJ
ajbmeb-3016	73	9	-	-	ADJ
ajbmeb-3016	73	10	performing	perform	VERB
ajbmeb-3016	73	11	debt	debt	NOUN
ajbmeb-3016	73	12	is	be	AUX
ajbmeb-3016	73	13	typically	typically	ADV
ajbmeb-3016	73	14	handled	handle	VERB
ajbmeb-3016	73	15	by	by	ADP
ajbmeb-3016	73	16	a	a	DET
ajbmeb-3016	73	17	dedicated	dedicated	ADJ
ajbmeb-3016	73	18	structural	structural	ADJ
ajbmeb-3016	73	19	unit	unit	NOUN
ajbmeb-3016	73	20	.	.	PUNCT
ajbmeb-3016	74	1	depending	depend	VERB
ajbmeb-3016	74	2	on	on	ADP
ajbmeb-3016	74	3	the	the	DET
ajbmeb-3016	74	4	scale	scale	NOUN
ajbmeb-3016	74	5	and	and	CCONJ
ajbmeb-3016	74	6	organizational	organizational	ADJ
ajbmeb-3016	74	7	structure	structure	NOUN
ajbmeb-3016	74	8	of	of	ADP
ajbmeb-3016	74	9	the	the	DET
ajbmeb-3016	74	10	bank	bank	NOUN
ajbmeb-3016	74	11	,	,	PUNCT
ajbmeb-3016	74	12	this	this	DET
ajbmeb-3016	74	13	unit	unit	NOUN
ajbmeb-3016	74	14	may	may	AUX
ajbmeb-3016	74	15	take	take	VERB
ajbmeb-3016	74	16	the	the	DET
ajbmeb-3016	74	17	form	form	NOUN
ajbmeb-3016	74	18	of	of	ADP
ajbmeb-3016	74	19	a	a	DET
ajbmeb-3016	74	20	department	department	NOUN
ajbmeb-3016	74	21	,	,	PUNCT
ajbmeb-3016	74	22	sector	sector	NOUN
ajbmeb-3016	74	23	,	,	PUNCT
ajbmeb-3016	74	24	or	or	CCONJ
ajbmeb-3016	74	25	division	division	NOUN
ajbmeb-3016	74	26	.	.	PUNCT
ajbmeb-3016	75	1	the	the	DET
ajbmeb-3016	75	2	activities	activity	NOUN
ajbmeb-3016	75	3	of	of	ADP
ajbmeb-3016	75	4	this	this	DET
ajbmeb-3016	75	5	unit	unit	NOUN
ajbmeb-3016	75	6	are	be	AUX
ajbmeb-3016	75	7	governed	govern	VERB
ajbmeb-3016	75	8	by	by	ADP
ajbmeb-3016	75	9	internal	internal	ADJ
ajbmeb-3016	75	10	regulations	regulation	NOUN
ajbmeb-3016	75	11	,	,	PUNCT
ajbmeb-3016	75	12	which	which	PRON
ajbmeb-3016	75	13	define	define	VERB
ajbmeb-3016	75	14	the	the	DET
ajbmeb-3016	75	15	procedures	procedure	NOUN
ajbmeb-3016	75	16	for	for	ADP
ajbmeb-3016	75	17	dealing	deal	VERB
ajbmeb-3016	75	18	with	with	ADP
ajbmeb-3016	75	19	non	non	ADJ
ajbmeb-3016	75	20	-	-	ADJ
ajbmeb-3016	75	21	performing	performing	ADJ
ajbmeb-3016	75	22	loans	loan	NOUN
ajbmeb-3016	75	23	(	(	PUNCT
ajbmeb-3016	75	24	npls	npls	NOUN
ajbmeb-3016	75	25	)	)	PUNCT
ajbmeb-3016	75	26	.	.	PUNCT
ajbmeb-3016	76	1	american	american	PROPN
ajbmeb-3016	76	2	journal	journal	PROPN
ajbmeb-3016	76	3	of	of	ADP
ajbmeb-3016	76	4	business	business	NOUN
ajbmeb-3016	76	5	management	management	NOUN
ajbmeb-3016	76	6	,	,	PUNCT
ajbmeb-3016	76	7	economics	economic	NOUN
ajbmeb-3016	76	8	and	and	CCONJ
ajbmeb-3016	76	9	banking	banking	NOUN
ajbmeb-3016	76	10	volume	volume	NOUN
ajbmeb-3016	76	11	37	37	NUM
ajbmeb-3016	76	12	june2025	june2025	PROPN
ajbmeb-3016	76	13	p	p	NOUN
ajbmeb-3016	76	14	a	a	DET
ajbmeb-3016	76	15	g	g	NOUN
ajbmeb-3016	76	16	e	e	NOUN
ajbmeb-3016	76	17	|	|	ADV
ajbmeb-3016	76	18	106	106	NUM
ajbmeb-3016	76	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	76	20	this	this	DET
ajbmeb-3016	76	21	unit	unit	NOUN
ajbmeb-3016	76	22	is	be	AUX
ajbmeb-3016	76	23	responsible	responsible	ADJ
ajbmeb-3016	76	24	for	for	ADP
ajbmeb-3016	76	25	monitoring	monitor	VERB
ajbmeb-3016	76	26	non	non	ADJ
ajbmeb-3016	76	27	-	-	ADJ
ajbmeb-3016	76	28	performing	performing	ADJ
ajbmeb-3016	76	29	and	and	CCONJ
ajbmeb-3016	76	30	overdue	overdue	ADJ
ajbmeb-3016	76	31	loans	loan	NOUN
ajbmeb-3016	76	32	within	within	ADP
ajbmeb-3016	76	33	the	the	DET
ajbmeb-3016	76	34	bank	bank	NOUN
ajbmeb-3016	76	35	’s	’s	PART
ajbmeb-3016	76	36	credit	credit	NOUN
ajbmeb-3016	76	37	portfolio	portfolio	NOUN
ajbmeb-3016	76	38	,	,	PUNCT
ajbmeb-3016	76	39	implementing	implement	VERB
ajbmeb-3016	76	40	measures	measure	NOUN
ajbmeb-3016	76	41	aimed	aim	VERB
ajbmeb-3016	76	42	at	at	ADP
ajbmeb-3016	76	43	the	the	DET
ajbmeb-3016	76	44	rehabilitation	rehabilitation	NOUN
ajbmeb-3016	76	45	of	of	ADP
ajbmeb-3016	76	46	distressed	distressed	ADJ
ajbmeb-3016	76	47	assets	asset	NOUN
ajbmeb-3016	76	48	,	,	PUNCT
ajbmeb-3016	76	49	and	and	CCONJ
ajbmeb-3016	76	50	,	,	PUNCT
ajbmeb-3016	76	51	in	in	ADP
ajbmeb-3016	76	52	some	some	DET
ajbmeb-3016	76	53	cases	case	NOUN
ajbmeb-3016	76	54	,	,	PUNCT
ajbmeb-3016	76	55	managing	manage	VERB
ajbmeb-3016	76	56	the	the	DET
ajbmeb-3016	76	57	borrower	borrower	NOUN
ajbmeb-3016	76	58	's	's	PART
ajbmeb-3016	76	59	assets	asset	NOUN
ajbmeb-3016	76	60	and	and	CCONJ
ajbmeb-3016	76	61	cash	cash	NOUN
ajbmeb-3016	76	62	flows	flow	NOUN
ajbmeb-3016	76	63	.	.	PUNCT
ajbmeb-3016	77	1	a	a	DET
ajbmeb-3016	77	2	comprehensive	comprehensive	ADJ
ajbmeb-3016	77	3	set	set	NOUN
ajbmeb-3016	77	4	of	of	ADP
ajbmeb-3016	77	5	measures	measure	NOUN
ajbmeb-3016	77	6	aimed	aim	VERB
ajbmeb-3016	77	7	at	at	ADP
ajbmeb-3016	77	8	improving	improve	VERB
ajbmeb-3016	77	9	the	the	DET
ajbmeb-3016	77	10	quality	quality	NOUN
ajbmeb-3016	77	11	of	of	ADP
ajbmeb-3016	77	12	non	non	ADJ
ajbmeb-3016	77	13	-	-	ADJ
ajbmeb-3016	77	14	performing	performing	ADJ
ajbmeb-3016	77	15	loans	loan	NOUN
ajbmeb-3016	77	16	may	may	AUX
ajbmeb-3016	77	17	include	include	VERB
ajbmeb-3016	77	18	the	the	DET
ajbmeb-3016	77	19	following	following	ADJ
ajbmeb-3016	77	20	actions	action	NOUN
ajbmeb-3016	77	21	:	:	PUNCT
ajbmeb-3016	77	22	a	a	X
ajbmeb-3016	77	23	)	)	PUNCT
ajbmeb-3016	77	24	attracting	attract	VERB
ajbmeb-3016	77	25	additional	additional	ADJ
ajbmeb-3016	77	26	collateral	collateral	NOUN
ajbmeb-3016	77	27	–	–	PUNCT
ajbmeb-3016	77	28	including	include	VERB
ajbmeb-3016	77	29	guarantees	guarantee	NOUN
ajbmeb-3016	77	30	,	,	PUNCT
ajbmeb-3016	77	31	third	third	ADJ
ajbmeb-3016	77	32	-	-	PUNCT
ajbmeb-3016	77	33	party	party	NOUN
ajbmeb-3016	77	34	sureties	surety	NOUN
ajbmeb-3016	77	35	,	,	PUNCT
ajbmeb-3016	77	36	or	or	CCONJ
ajbmeb-3016	77	37	pledging	pledge	VERB
ajbmeb-3016	77	38	of	of	ADP
ajbmeb-3016	77	39	movable	movable	ADJ
ajbmeb-3016	77	40	and	and	CCONJ
ajbmeb-3016	77	41	immovable	immovable	ADJ
ajbmeb-3016	77	42	assets	asset	NOUN
ajbmeb-3016	77	43	;	;	PUNCT
ajbmeb-3016	77	44	b	b	X
ajbmeb-3016	77	45	)	)	PUNCT
ajbmeb-3016	77	46	partial	partial	ADJ
ajbmeb-3016	77	47	sale	sale	NOUN
ajbmeb-3016	77	48	of	of	ADP
ajbmeb-3016	77	49	collateral	collateral	NOUN
ajbmeb-3016	77	50	;	;	PUNCT
ajbmeb-3016	77	51	c	c	X
ajbmeb-3016	77	52	)	)	PUNCT
ajbmeb-3016	77	53	obtaining	obtain	VERB
ajbmeb-3016	77	54	government	government	NOUN
ajbmeb-3016	77	55	guarantees	guarantee	NOUN
ajbmeb-3016	77	56	for	for	ADP
ajbmeb-3016	77	57	loan	loan	NOUN
ajbmeb-3016	77	58	repayment	repayment	NOUN
ajbmeb-3016	77	59	–	–	PUNCT
ajbmeb-3016	77	60	utilizing	utilize	VERB
ajbmeb-3016	77	61	budgetary	budgetary	ADJ
ajbmeb-3016	77	62	funds	fund	NOUN
ajbmeb-3016	77	63	to	to	PART
ajbmeb-3016	77	64	repay	repay	VERB
ajbmeb-3016	77	65	the	the	DET
ajbmeb-3016	77	66	principal	principal	NOUN
ajbmeb-3016	77	67	and	and	CCONJ
ajbmeb-3016	77	68	interest	interest	NOUN
ajbmeb-3016	77	69	;	;	PUNCT
ajbmeb-3016	77	70	d	d	X
ajbmeb-3016	77	71	)	)	PUNCT
ajbmeb-3016	77	72	loan	loan	NOUN
ajbmeb-3016	77	73	repayment	repayment	NOUN
ajbmeb-3016	77	74	through	through	ADP
ajbmeb-3016	77	75	the	the	DET
ajbmeb-3016	77	76	sale	sale	NOUN
ajbmeb-3016	77	77	of	of	ADP
ajbmeb-3016	77	78	the	the	DET
ajbmeb-3016	77	79	borrower	borrower	NOUN
ajbmeb-3016	77	80	’s	’s	PART
ajbmeb-3016	77	81	assets	asset	NOUN
ajbmeb-3016	77	82	and	and	CCONJ
ajbmeb-3016	77	83	preventing	prevent	VERB
ajbmeb-3016	77	84	investment	investment	NOUN
ajbmeb-3016	77	85	in	in	ADP
ajbmeb-3016	77	86	lowprofitability	lowprofitability	NOUN
ajbmeb-3016	77	87	assets	asset	NOUN
ajbmeb-3016	77	88	;	;	PUNCT
ajbmeb-3016	77	89	e	e	X
ajbmeb-3016	77	90	)	)	PUNCT
ajbmeb-3016	77	91	strengthening	strengthen	VERB
ajbmeb-3016	77	92	control	control	NOUN
ajbmeb-3016	77	93	over	over	ADP
ajbmeb-3016	77	94	accounts	account	NOUN
ajbmeb-3016	77	95	receivable	receivable	ADJ
ajbmeb-3016	77	96	and	and	CCONJ
ajbmeb-3016	77	97	inventories	inventory	NOUN
ajbmeb-3016	77	98	,	,	PUNCT
ajbmeb-3016	77	99	allowing	allow	VERB
ajbmeb-3016	77	100	cash	cash	NOUN
ajbmeb-3016	77	101	flow	flow	NOUN
ajbmeb-3016	77	102	to	to	PART
ajbmeb-3016	77	103	be	be	AUX
ajbmeb-3016	77	104	redirected	redirect	VERB
ajbmeb-3016	77	105	toward	toward	ADP
ajbmeb-3016	77	106	loan	loan	NOUN
ajbmeb-3016	77	107	repayment	repayment	NOUN
ajbmeb-3016	77	108	;	;	PUNCT
ajbmeb-3016	77	109	f	f	X
ajbmeb-3016	77	110	)	)	PUNCT
ajbmeb-3016	77	111	imposing	impose	VERB
ajbmeb-3016	77	112	penalty	penalty	NOUN
ajbmeb-3016	77	113	sanctions	sanction	NOUN
ajbmeb-3016	77	114	;	;	PUNCT
ajbmeb-3016	77	115	g	g	X
ajbmeb-3016	77	116	)	)	PUNCT
ajbmeb-3016	77	117	repayment	repayment	NOUN
ajbmeb-3016	77	118	of	of	ADP
ajbmeb-3016	77	119	the	the	DET
ajbmeb-3016	77	120	loan	loan	NOUN
ajbmeb-3016	77	121	through	through	ADP
ajbmeb-3016	77	122	the	the	DET
ajbmeb-3016	77	123	attraction	attraction	NOUN
ajbmeb-3016	77	124	of	of	ADP
ajbmeb-3016	77	125	additional	additional	ADJ
ajbmeb-3016	77	126	capital	capital	NOUN
ajbmeb-3016	77	127	or	or	CCONJ
ajbmeb-3016	77	128	financial	financial	ADJ
ajbmeb-3016	77	129	support	support	NOUN
ajbmeb-3016	77	130	by	by	ADP
ajbmeb-3016	77	131	the	the	DET
ajbmeb-3016	77	132	borrower	borrower	NOUN
ajbmeb-3016	77	133	.	.	PUNCT
ajbmeb-3016	78	1	if	if	SCONJ
ajbmeb-3016	78	2	early	early	ADJ
ajbmeb-3016	78	3	signs	sign	NOUN
ajbmeb-3016	78	4	of	of	ADP
ajbmeb-3016	78	5	credit	credit	NOUN
ajbmeb-3016	78	6	deterioration	deterioration	NOUN
ajbmeb-3016	78	7	are	be	AUX
ajbmeb-3016	78	8	detected	detect	VERB
ajbmeb-3016	78	9	(	(	PUNCT
ajbmeb-3016	78	10	especially	especially	ADV
ajbmeb-3016	78	11	in	in	ADP
ajbmeb-3016	78	12	loans	loan	NOUN
ajbmeb-3016	78	13	issued	issue	VERB
ajbmeb-3016	78	14	to	to	ADP
ajbmeb-3016	78	15	legal	legal	ADJ
ajbmeb-3016	78	16	entities	entity	NOUN
ajbmeb-3016	78	17	)	)	PUNCT
ajbmeb-3016	78	18	,	,	PUNCT
ajbmeb-3016	78	19	the	the	DET
ajbmeb-3016	78	20	bank	bank	NOUN
ajbmeb-3016	78	21	may	may	AUX
ajbmeb-3016	78	22	take	take	VERB
ajbmeb-3016	78	23	the	the	DET
ajbmeb-3016	78	24	following	follow	VERB
ajbmeb-3016	78	25	organizational	organizational	ADJ
ajbmeb-3016	78	26	and	and	CCONJ
ajbmeb-3016	78	27	administrative	administrative	ADJ
ajbmeb-3016	78	28	measures	measure	NOUN
ajbmeb-3016	78	29	:	:	PUNCT
ajbmeb-3016	78	30	discussing	discuss	VERB
ajbmeb-3016	78	31	with	with	ADP
ajbmeb-3016	78	32	the	the	DET
ajbmeb-3016	78	33	company	company	NOUN
ajbmeb-3016	78	34	's	's	PART
ajbmeb-3016	78	35	owners	owner	NOUN
ajbmeb-3016	78	36	the	the	DET
ajbmeb-3016	78	37	potential	potential	ADJ
ajbmeb-3016	78	38	replacement	replacement	NOUN
ajbmeb-3016	78	39	of	of	ADP
ajbmeb-3016	78	40	management	management	NOUN
ajbmeb-3016	78	41	;	;	PUNCT
ajbmeb-3016	78	42	concluding	conclude	VERB
ajbmeb-3016	78	43	a	a	DET
ajbmeb-3016	78	44	settlement	settlement	NOUN
ajbmeb-3016	78	45	agreement	agreement	NOUN
ajbmeb-3016	78	46	with	with	ADP
ajbmeb-3016	78	47	the	the	DET
ajbmeb-3016	78	48	borrower	borrower	NOUN
ajbmeb-3016	78	49	to	to	PART
ajbmeb-3016	78	50	avoid	avoid	VERB
ajbmeb-3016	78	51	legal	legal	ADJ
ajbmeb-3016	78	52	proceedings	proceeding	NOUN
ajbmeb-3016	78	53	;	;	PUNCT
ajbmeb-3016	78	54	appointing	appoint	VERB
ajbmeb-3016	78	55	observers	observer	NOUN
ajbmeb-3016	78	56	or	or	CCONJ
ajbmeb-3016	78	57	consultants	consultant	NOUN
ajbmeb-3016	78	58	to	to	PART
ajbmeb-3016	78	59	work	work	VERB
ajbmeb-3016	78	60	with	with	ADP
ajbmeb-3016	78	61	the	the	DET
ajbmeb-3016	78	62	borrower	borrower	NOUN
ajbmeb-3016	78	63	on	on	ADP
ajbmeb-3016	78	64	behalf	behalf	NOUN
ajbmeb-3016	78	65	of	of	ADP
ajbmeb-3016	78	66	the	the	DET
ajbmeb-3016	78	67	bank	bank	NOUN
ajbmeb-3016	78	68	.	.	PUNCT
ajbmeb-3016	79	1	in	in	ADP
ajbmeb-3016	79	2	cases	case	NOUN
ajbmeb-3016	79	3	where	where	SCONJ
ajbmeb-3016	79	4	there	there	PRON
ajbmeb-3016	79	5	is	be	VERB
ajbmeb-3016	79	6	a	a	DET
ajbmeb-3016	79	7	significant	significant	ADJ
ajbmeb-3016	79	8	delay	delay	NOUN
ajbmeb-3016	79	9	in	in	ADP
ajbmeb-3016	79	10	loan	loan	NOUN
ajbmeb-3016	79	11	repayments	repayment	NOUN
ajbmeb-3016	79	12	and	and	CCONJ
ajbmeb-3016	79	13	a	a	DET
ajbmeb-3016	79	14	comprehensive	comprehensive	ADJ
ajbmeb-3016	79	15	recovery	recovery	NOUN
ajbmeb-3016	79	16	strategy	strategy	NOUN
ajbmeb-3016	79	17	is	be	AUX
ajbmeb-3016	79	18	needed	need	VERB
ajbmeb-3016	79	19	,	,	PUNCT
ajbmeb-3016	79	20	the	the	DET
ajbmeb-3016	79	21	bank	bank	NOUN
ajbmeb-3016	79	22	may	may	AUX
ajbmeb-3016	79	23	,	,	PUNCT
ajbmeb-3016	79	24	depending	depend	VERB
ajbmeb-3016	79	25	on	on	ADP
ajbmeb-3016	79	26	its	its	PRON
ajbmeb-3016	79	27	internal	internal	ADJ
ajbmeb-3016	79	28	policies	policy	NOUN
ajbmeb-3016	79	29	,	,	PUNCT
ajbmeb-3016	79	30	apply	apply	VERB
ajbmeb-3016	79	31	the	the	DET
ajbmeb-3016	79	32	following	follow	VERB
ajbmeb-3016	79	33	measures	measure	NOUN
ajbmeb-3016	79	34	:	:	PUNCT
ajbmeb-3016	79	35	debt	debt	NOUN
ajbmeb-3016	79	36	restructuring	restructuring	NOUN
ajbmeb-3016	79	37	;	;	PUNCT
ajbmeb-3016	79	38	refinancing	refinance	VERB
ajbmeb-3016	79	39	;	;	PUNCT
ajbmeb-3016	79	40	full	full	ADJ
ajbmeb-3016	79	41	realization	realization	NOUN
ajbmeb-3016	79	42	of	of	ADP
ajbmeb-3016	79	43	collateral	collateral	NOUN
ajbmeb-3016	79	44	;	;	PUNCT
ajbmeb-3016	79	45	enforcing	enforce	VERB
ajbmeb-3016	79	46	obligations	obligation	NOUN
ajbmeb-3016	79	47	through	through	ADP
ajbmeb-3016	79	48	guarantors	guarantor	NOUN
ajbmeb-3016	79	49	and	and	CCONJ
ajbmeb-3016	79	50	sureties	surety	NOUN
ajbmeb-3016	79	51	;	;	PUNCT
ajbmeb-3016	79	52	judicial	judicial	ADJ
ajbmeb-3016	79	53	debt	debt	NOUN
ajbmeb-3016	79	54	recovery	recovery	NOUN
ajbmeb-3016	79	55	;	;	PUNCT
ajbmeb-3016	79	56	selling	sell	VERB
ajbmeb-3016	79	57	the	the	DET
ajbmeb-3016	79	58	debt	debt	NOUN
ajbmeb-3016	79	59	to	to	ADP
ajbmeb-3016	79	60	third	third	ADJ
ajbmeb-3016	79	61	parties	party	NOUN
ajbmeb-3016	79	62	(	(	PUNCT
ajbmeb-3016	79	63	e.g.	e.g.	ADV
ajbmeb-3016	79	64	,	,	PUNCT
ajbmeb-3016	79	65	collection	collection	NOUN
ajbmeb-3016	79	66	agencies	agency	NOUN
ajbmeb-3016	79	67	)	)	PUNCT
ajbmeb-3016	79	68	.	.	PUNCT
ajbmeb-3016	80	1	when	when	SCONJ
ajbmeb-3016	80	2	determining	determine	VERB
ajbmeb-3016	80	3	the	the	DET
ajbmeb-3016	80	4	method	method	NOUN
ajbmeb-3016	80	5	for	for	ADP
ajbmeb-3016	80	6	recovering	recover	VERB
ajbmeb-3016	80	7	overdue	overdue	ADJ
ajbmeb-3016	80	8	loans	loan	NOUN
ajbmeb-3016	80	9	,	,	PUNCT
ajbmeb-3016	80	10	the	the	DET
ajbmeb-3016	80	11	bank	bank	NOUN
ajbmeb-3016	80	12	evaluates	evaluate	VERB
ajbmeb-3016	80	13	the	the	DET
ajbmeb-3016	80	14	efficiency	efficiency	NOUN
ajbmeb-3016	80	15	and	and	CCONJ
ajbmeb-3016	80	16	cost	cost	NOUN
ajbmeb-3016	80	17	of	of	ADP
ajbmeb-3016	80	18	each	each	DET
ajbmeb-3016	80	19	option	option	NOUN
ajbmeb-3016	80	20	.	.	PUNCT
ajbmeb-3016	81	1	in	in	ADP
ajbmeb-3016	81	2	doing	do	VERB
ajbmeb-3016	81	3	so	so	ADV
ajbmeb-3016	81	4	,	,	PUNCT
ajbmeb-3016	81	5	it	it	PRON
ajbmeb-3016	81	6	considers	consider	VERB
ajbmeb-3016	81	7	the	the	DET
ajbmeb-3016	81	8	following	follow	VERB
ajbmeb-3016	81	9	key	key	ADJ
ajbmeb-3016	81	10	criteria	criterion	NOUN
ajbmeb-3016	81	11	:	:	PUNCT
ajbmeb-3016	81	12	a	a	X
ajbmeb-3016	81	13	)	)	PUNCT
ajbmeb-3016	81	14	financial	financial	ADJ
ajbmeb-3016	81	15	costs	cost	NOUN
ajbmeb-3016	81	16	associated	associate	VERB
ajbmeb-3016	81	17	with	with	ADP
ajbmeb-3016	81	18	the	the	DET
ajbmeb-3016	81	19	chosen	choose	VERB
ajbmeb-3016	81	20	recovery	recovery	NOUN
ajbmeb-3016	81	21	method	method	NOUN
ajbmeb-3016	81	22	;	;	PUNCT
ajbmeb-3016	81	23	b	b	X
ajbmeb-3016	81	24	)	)	PUNCT
ajbmeb-3016	81	25	transactional	transactional	ADJ
ajbmeb-3016	81	26	costs	cost	NOUN
ajbmeb-3016	81	27	–	–	PUNCT
ajbmeb-3016	81	28	including	include	VERB
ajbmeb-3016	81	29	costs	cost	NOUN
ajbmeb-3016	81	30	of	of	ADP
ajbmeb-3016	81	31	negotiation	negotiation	NOUN
ajbmeb-3016	81	32	,	,	PUNCT
ajbmeb-3016	81	33	decision	decision	NOUN
ajbmeb-3016	81	34	-	-	PUNCT
ajbmeb-3016	81	35	making	making	NOUN
ajbmeb-3016	81	36	,	,	PUNCT
ajbmeb-3016	81	37	oversight	oversight	NOUN
ajbmeb-3016	81	38	,	,	PUNCT
ajbmeb-3016	81	39	legal	legal	ADJ
ajbmeb-3016	81	40	enforcement	enforcement	NOUN
ajbmeb-3016	81	41	,	,	PUNCT
ajbmeb-3016	81	42	and	and	CCONJ
ajbmeb-3016	81	43	information	information	NOUN
ajbmeb-3016	81	44	processing	processing	NOUN
ajbmeb-3016	81	45	;	;	PUNCT
ajbmeb-3016	81	46	c	c	X
ajbmeb-3016	81	47	)	)	PUNCT
ajbmeb-3016	81	48	risk	risk	NOUN
ajbmeb-3016	81	49	factors	factor	NOUN
ajbmeb-3016	81	50	–	–	PUNCT
ajbmeb-3016	81	51	such	such	ADJ
ajbmeb-3016	81	52	as	as	ADP
ajbmeb-3016	81	53	credit	credit	NOUN
ajbmeb-3016	81	54	,	,	PUNCT
ajbmeb-3016	81	55	interest	interest	NOUN
ajbmeb-3016	81	56	rate	rate	NOUN
ajbmeb-3016	81	57	,	,	PUNCT
ajbmeb-3016	81	58	country	country	NOUN
ajbmeb-3016	81	59	,	,	PUNCT
ajbmeb-3016	81	60	and	and	CCONJ
ajbmeb-3016	81	61	operational	operational	ADJ
ajbmeb-3016	81	62	risks	risk	NOUN
ajbmeb-3016	81	63	;	;	PUNCT
ajbmeb-3016	81	64	d	d	X
ajbmeb-3016	81	65	)	)	PUNCT
ajbmeb-3016	81	66	the	the	DET
ajbmeb-3016	81	67	bank	bank	NOUN
ajbmeb-3016	81	68	’s	’s	PART
ajbmeb-3016	81	69	reputation	reputation	NOUN
ajbmeb-3016	81	70	;	;	PUNCT
ajbmeb-3016	81	71	e	e	X
ajbmeb-3016	81	72	)	)	PUNCT
ajbmeb-3016	81	73	the	the	DET
ajbmeb-3016	81	74	financial	financial	ADJ
ajbmeb-3016	81	75	outcome	outcome	NOUN
ajbmeb-3016	81	76	of	of	ADP
ajbmeb-3016	81	77	debt	debt	NOUN
ajbmeb-3016	81	78	recovery	recovery	NOUN
ajbmeb-3016	81	79	efforts	effort	NOUN
ajbmeb-3016	81	80	.	.	PUNCT
ajbmeb-3016	82	1	overall	overall	ADV
ajbmeb-3016	82	2	,	,	PUNCT
ajbmeb-3016	82	3	a	a	DET
ajbmeb-3016	82	4	high	high	ADJ
ajbmeb-3016	82	5	npl	npl	NOUN
ajbmeb-3016	82	6	ratio	ratio	NOUN
ajbmeb-3016	82	7	reflects	reflect	VERB
ajbmeb-3016	82	8	deteriorating	deteriorate	VERB
ajbmeb-3016	82	9	loan	loan	NOUN
ajbmeb-3016	82	10	quality	quality	NOUN
ajbmeb-3016	82	11	and	and	CCONJ
ajbmeb-3016	82	12	may	may	AUX
ajbmeb-3016	82	13	signal	signal	VERB
ajbmeb-3016	82	14	broader	broad	ADJ
ajbmeb-3016	82	15	structural	structural	ADJ
ajbmeb-3016	82	16	or	or	CCONJ
ajbmeb-3016	82	17	operational	operational	ADJ
ajbmeb-3016	82	18	issues	issue	NOUN
ajbmeb-3016	82	19	in	in	ADP
ajbmeb-3016	82	20	a	a	DET
ajbmeb-3016	82	21	bank	bank	NOUN
ajbmeb-3016	82	22	's	's	PART
ajbmeb-3016	82	23	lending	lending	NOUN
ajbmeb-3016	82	24	policies	policy	NOUN
ajbmeb-3016	82	25	,	,	PUNCT
ajbmeb-3016	82	26	risk	risk	NOUN
ajbmeb-3016	82	27	assessment	assessment	NOUN
ajbmeb-3016	82	28	,	,	PUNCT
ajbmeb-3016	82	29	and	and	CCONJ
ajbmeb-3016	82	30	debt	debt	NOUN
ajbmeb-3016	82	31	recovery	recovery	NOUN
ajbmeb-3016	82	32	practices	practice	NOUN
ajbmeb-3016	82	33	.	.	PUNCT
ajbmeb-3016	83	1	these	these	DET
ajbmeb-3016	83	2	indicators	indicator	NOUN
ajbmeb-3016	83	3	are	be	AUX
ajbmeb-3016	83	4	also	also	ADV
ajbmeb-3016	83	5	influenced	influence	VERB
ajbmeb-3016	83	6	by	by	ADP
ajbmeb-3016	83	7	external	external	ADJ
ajbmeb-3016	83	8	macroeconomic	macroeconomic	ADJ
ajbmeb-3016	83	9	conditions	condition	NOUN
ajbmeb-3016	83	10	and	and	CCONJ
ajbmeb-3016	83	11	borrower	borrower	NOUN
ajbmeb-3016	83	12	behavior	behavior	NOUN
ajbmeb-3016	83	13	patterns	pattern	NOUN
ajbmeb-3016	83	14	.	.	PUNCT
ajbmeb-3016	84	1	american	american	ADJ
ajbmeb-3016	84	2	journal	journal	PROPN
ajbmeb-3016	84	3	of	of	ADP
ajbmeb-3016	84	4	business	business	NOUN
ajbmeb-3016	84	5	management	management	NOUN
ajbmeb-3016	84	6	,	,	PUNCT
ajbmeb-3016	84	7	economics	economic	NOUN
ajbmeb-3016	84	8	and	and	CCONJ
ajbmeb-3016	84	9	banking	banking	NOUN
ajbmeb-3016	84	10	volume	volume	NOUN
ajbmeb-3016	84	11	37	37	NUM
ajbmeb-3016	84	12	june2025	june2025	PROPN
ajbmeb-3016	84	13	p	p	NOUN
ajbmeb-3016	84	14	a	a	PRON
ajbmeb-3016	84	15	g	g	NOUN
ajbmeb-3016	84	16	e	e	NOUN
ajbmeb-3016	84	17	|	|	ADV
ajbmeb-3016	84	18	107	107	NUM
ajbmeb-3016	84	19	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3016	84	20	conclusion	conclusion	NOUN
ajbmeb-3016	84	21	non	non	ADJ
ajbmeb-3016	84	22	-	-	ADJ
ajbmeb-3016	84	23	performing	performing	ADJ
ajbmeb-3016	84	24	loans	loan	NOUN
ajbmeb-3016	84	25	(	(	PUNCT
ajbmeb-3016	84	26	npls	npls	NOUN
ajbmeb-3016	84	27	)	)	PUNCT
ajbmeb-3016	84	28	remain	remain	VERB
ajbmeb-3016	84	29	a	a	DET
ajbmeb-3016	84	30	critical	critical	ADJ
ajbmeb-3016	84	31	challenge	challenge	NOUN
ajbmeb-3016	84	32	for	for	ADP
ajbmeb-3016	84	33	commercial	commercial	ADJ
ajbmeb-3016	84	34	banks	bank	NOUN
ajbmeb-3016	84	35	,	,	PUNCT
ajbmeb-3016	84	36	directly	directly	ADV
ajbmeb-3016	84	37	affecting	affect	VERB
ajbmeb-3016	84	38	their	their	PRON
ajbmeb-3016	84	39	credit	credit	NOUN
ajbmeb-3016	84	40	portfolio	portfolio	NOUN
ajbmeb-3016	84	41	quality	quality	NOUN
ajbmeb-3016	84	42	,	,	PUNCT
ajbmeb-3016	84	43	liquidity	liquidity	NOUN
ajbmeb-3016	84	44	,	,	PUNCT
ajbmeb-3016	84	45	and	and	CCONJ
ajbmeb-3016	84	46	overall	overall	ADJ
ajbmeb-3016	84	47	financial	financial	ADJ
ajbmeb-3016	84	48	stability	stability	NOUN
ajbmeb-3016	84	49	.	.	PUNCT
ajbmeb-3016	85	1	a	a	DET
ajbmeb-3016	85	2	high	high	ADJ
ajbmeb-3016	85	3	level	level	NOUN
ajbmeb-3016	85	4	of	of	ADP
ajbmeb-3016	85	5	npls	npls	NOUN
ajbmeb-3016	85	6	weakens	weaken	VERB
ajbmeb-3016	85	7	banks	bank	NOUN
ajbmeb-3016	85	8	'	'	PART
ajbmeb-3016	85	9	ability	ability	NOUN
ajbmeb-3016	85	10	to	to	PART
ajbmeb-3016	85	11	extend	extend	VERB
ajbmeb-3016	85	12	new	new	ADJ
ajbmeb-3016	85	13	credit	credit	NOUN
ajbmeb-3016	85	14	,	,	PUNCT
ajbmeb-3016	85	15	undermines	undermine	VERB
ajbmeb-3016	85	16	investor	investor	NOUN
ajbmeb-3016	85	17	and	and	CCONJ
ajbmeb-3016	85	18	depositor	depositor	NOUN
ajbmeb-3016	85	19	confidence	confidence	NOUN
ajbmeb-3016	85	20	,	,	PUNCT
ajbmeb-3016	85	21	and	and	CCONJ
ajbmeb-3016	85	22	can	can	AUX
ajbmeb-3016	85	23	trigger	trigger	VERB
ajbmeb-3016	85	24	broader	broad	ADJ
ajbmeb-3016	85	25	economic	economic	ADJ
ajbmeb-3016	85	26	consequences	consequence	NOUN
ajbmeb-3016	85	27	,	,	PUNCT
ajbmeb-3016	85	28	including	include	VERB
ajbmeb-3016	85	29	reduced	reduce	VERB
ajbmeb-3016	85	30	investment	investment	NOUN
ajbmeb-3016	85	31	and	and	CCONJ
ajbmeb-3016	85	32	slowed	slow	VERB
ajbmeb-3016	85	33	growth	growth	NOUN
ajbmeb-3016	85	34	.	.	PUNCT
ajbmeb-3016	86	1	the	the	DET
ajbmeb-3016	86	2	causes	cause	NOUN
ajbmeb-3016	86	3	of	of	ADP
ajbmeb-3016	86	4	npls	npls	NOUN
ajbmeb-3016	86	5	are	be	AUX
ajbmeb-3016	86	6	multifaceted	multifacete	VERB
ajbmeb-3016	86	7	,	,	PUNCT
ajbmeb-3016	86	8	ranging	range	VERB
ajbmeb-3016	86	9	from	from	ADP
ajbmeb-3016	86	10	poor	poor	ADJ
ajbmeb-3016	86	11	borrower	borrower	NOUN
ajbmeb-3016	86	12	assessment	assessment	NOUN
ajbmeb-3016	86	13	and	and	CCONJ
ajbmeb-3016	86	14	inadequate	inadequate	ADJ
ajbmeb-3016	86	15	collateral	collateral	NOUN
ajbmeb-3016	86	16	to	to	ADP
ajbmeb-3016	86	17	adverse	adverse	ADJ
ajbmeb-3016	86	18	macroeconomic	macroeconomic	ADJ
ajbmeb-3016	86	19	conditions	condition	NOUN
ajbmeb-3016	86	20	.	.	PUNCT
ajbmeb-3016	87	1	effective	effective	ADJ
ajbmeb-3016	87	2	credit	credit	NOUN
ajbmeb-3016	87	3	risk	risk	NOUN
ajbmeb-3016	87	4	management	management	NOUN
ajbmeb-3016	87	5	,	,	PUNCT
ajbmeb-3016	87	6	timely	timely	ADJ
ajbmeb-3016	87	7	monitoring	monitoring	NOUN
ajbmeb-3016	87	8	,	,	PUNCT
ajbmeb-3016	87	9	and	and	CCONJ
ajbmeb-3016	87	10	strategic	strategic	ADJ
ajbmeb-3016	87	11	loan	loan	NOUN
ajbmeb-3016	87	12	restructuring	restructuring	NOUN
ajbmeb-3016	87	13	are	be	AUX
ajbmeb-3016	87	14	essential	essential	ADJ
ajbmeb-3016	87	15	to	to	PART
ajbmeb-3016	87	16	mitigate	mitigate	VERB
ajbmeb-3016	87	17	the	the	DET
ajbmeb-3016	87	18	impact	impact	NOUN
ajbmeb-3016	87	19	of	of	ADP
ajbmeb-3016	87	20	problem	problem	NOUN
ajbmeb-3016	87	21	loans	loan	NOUN
ajbmeb-3016	87	22	.	.	PUNCT
ajbmeb-3016	88	1	ultimately	ultimately	ADV
ajbmeb-3016	88	2	,	,	PUNCT
ajbmeb-3016	88	3	minimizing	minimize	VERB
ajbmeb-3016	88	4	npls	npls	NOUN
ajbmeb-3016	88	5	is	be	AUX
ajbmeb-3016	88	6	not	not	PART
ajbmeb-3016	88	7	only	only	ADV
ajbmeb-3016	88	8	vital	vital	ADJ
ajbmeb-3016	88	9	for	for	ADP
ajbmeb-3016	88	10	the	the	DET
ajbmeb-3016	88	11	health	health	NOUN
ajbmeb-3016	88	12	of	of	ADP
ajbmeb-3016	88	13	individual	individual	ADJ
ajbmeb-3016	88	14	financial	financial	ADJ
ajbmeb-3016	88	15	institutions	institution	NOUN
ajbmeb-3016	88	16	but	but	CCONJ
ajbmeb-3016	88	17	also	also	ADV
ajbmeb-3016	88	18	for	for	ADP
ajbmeb-3016	88	19	ensuring	ensure	VERB
ajbmeb-3016	88	20	the	the	DET
ajbmeb-3016	88	21	resilience	resilience	NOUN
ajbmeb-3016	88	22	of	of	ADP
ajbmeb-3016	88	23	the	the	DET
ajbmeb-3016	88	24	entire	entire	ADJ
ajbmeb-3016	88	25	banking	banking	NOUN
ajbmeb-3016	88	26	system	system	NOUN
ajbmeb-3016	88	27	.	.	PUNCT
ajbmeb-3016	89	1	furthermore	furthermore	ADV
ajbmeb-3016	89	2	,	,	PUNCT
ajbmeb-3016	89	3	the	the	DET
ajbmeb-3016	89	4	effective	effective	ADJ
ajbmeb-3016	89	5	management	management	NOUN
ajbmeb-3016	89	6	of	of	ADP
ajbmeb-3016	89	7	non	non	ADJ
ajbmeb-3016	89	8	-	-	ADJ
ajbmeb-3016	89	9	performing	performing	ADJ
ajbmeb-3016	89	10	loans	loan	NOUN
ajbmeb-3016	89	11	requires	require	VERB
ajbmeb-3016	89	12	a	a	DET
ajbmeb-3016	89	13	balanced	balanced	ADJ
ajbmeb-3016	89	14	approach	approach	NOUN
ajbmeb-3016	89	15	combining	combine	VERB
ajbmeb-3016	89	16	preventive	preventive	ADJ
ajbmeb-3016	89	17	measures	measure	NOUN
ajbmeb-3016	89	18	and	and	CCONJ
ajbmeb-3016	89	19	responsive	responsive	ADJ
ajbmeb-3016	89	20	strategies	strategy	NOUN
ajbmeb-3016	89	21	.	.	PUNCT
ajbmeb-3016	90	1	preventive	preventive	ADJ
ajbmeb-3016	90	2	mechanisms	mechanism	NOUN
ajbmeb-3016	90	3	include	include	VERB
ajbmeb-3016	90	4	comprehensive	comprehensive	ADJ
ajbmeb-3016	90	5	borrower	borrower	NOUN
ajbmeb-3016	90	6	assessment	assessment	NOUN
ajbmeb-3016	90	7	,	,	PUNCT
ajbmeb-3016	90	8	strict	strict	ADJ
ajbmeb-3016	90	9	underwriting	underwriting	NOUN
ajbmeb-3016	90	10	standards	standard	NOUN
ajbmeb-3016	90	11	,	,	PUNCT
ajbmeb-3016	90	12	and	and	CCONJ
ajbmeb-3016	90	13	robust	robust	ADJ
ajbmeb-3016	90	14	credit	credit	NOUN
ajbmeb-3016	90	15	monitoring	monitoring	NOUN
ajbmeb-3016	90	16	systems	system	NOUN
ajbmeb-3016	90	17	.	.	PUNCT
ajbmeb-3016	91	1	on	on	ADP
ajbmeb-3016	91	2	the	the	DET
ajbmeb-3016	91	3	other	other	ADJ
ajbmeb-3016	91	4	hand	hand	NOUN
ajbmeb-3016	91	5	,	,	PUNCT
ajbmeb-3016	91	6	responsive	responsive	ADJ
ajbmeb-3016	91	7	strategies	strategy	NOUN
ajbmeb-3016	91	8	such	such	ADJ
ajbmeb-3016	91	9	as	as	ADP
ajbmeb-3016	91	10	timely	timely	ADJ
ajbmeb-3016	91	11	loan	loan	NOUN
ajbmeb-3016	91	12	restructuring	restructuring	NOUN
ajbmeb-3016	91	13	,	,	PUNCT
ajbmeb-3016	91	14	enforcement	enforcement	NOUN
ajbmeb-3016	91	15	of	of	ADP
ajbmeb-3016	91	16	collateral	collateral	NOUN
ajbmeb-3016	91	17	,	,	PUNCT
ajbmeb-3016	91	18	and	and	CCONJ
ajbmeb-3016	91	19	the	the	DET
ajbmeb-3016	91	20	use	use	NOUN
ajbmeb-3016	91	21	of	of	ADP
ajbmeb-3016	91	22	specialized	specialized	ADJ
ajbmeb-3016	91	23	recovery	recovery	NOUN
ajbmeb-3016	91	24	units	unit	NOUN
ajbmeb-3016	91	25	help	help	VERB
ajbmeb-3016	91	26	banks	bank	NOUN
ajbmeb-3016	91	27	minimize	minimize	VERB
ajbmeb-3016	91	28	losses	loss	NOUN
ajbmeb-3016	91	29	associated	associate	VERB
ajbmeb-3016	91	30	with	with	ADP
ajbmeb-3016	91	31	distressed	distressed	ADJ
ajbmeb-3016	91	32	assets	asset	NOUN
ajbmeb-3016	91	33	.	.	PUNCT
ajbmeb-3016	92	1	regulatory	regulatory	ADJ
ajbmeb-3016	92	2	frameworks	framework	NOUN
ajbmeb-3016	92	3	must	must	AUX
ajbmeb-3016	92	4	also	also	ADV
ajbmeb-3016	92	5	support	support	VERB
ajbmeb-3016	92	6	banks	bank	NOUN
ajbmeb-3016	92	7	in	in	ADP
ajbmeb-3016	92	8	accurately	accurately	ADV
ajbmeb-3016	92	9	classifying	classify	VERB
ajbmeb-3016	92	10	and	and	CCONJ
ajbmeb-3016	92	11	provisioning	provision	VERB
ajbmeb-3016	92	12	for	for	ADP
ajbmeb-3016	92	13	npls	npls	NOUN
ajbmeb-3016	92	14	,	,	PUNCT
ajbmeb-3016	92	15	thereby	thereby	ADV
ajbmeb-3016	92	16	enhancing	enhance	VERB
ajbmeb-3016	92	17	transparency	transparency	NOUN
ajbmeb-3016	92	18	and	and	CCONJ
ajbmeb-3016	92	19	safeguarding	safeguard	VERB
ajbmeb-3016	92	20	financial	financial	ADJ
ajbmeb-3016	92	21	soundness	soundness	NOUN
ajbmeb-3016	92	22	.	.	PUNCT
ajbmeb-3016	93	1	in	in	ADP
ajbmeb-3016	93	2	the	the	DET
ajbmeb-3016	93	3	long	long	ADJ
ajbmeb-3016	93	4	term	term	NOUN
ajbmeb-3016	93	5	,	,	PUNCT
ajbmeb-3016	93	6	reducing	reduce	VERB
ajbmeb-3016	93	7	the	the	DET
ajbmeb-3016	93	8	volume	volume	NOUN
ajbmeb-3016	93	9	of	of	ADP
ajbmeb-3016	93	10	npls	npls	NOUN
ajbmeb-3016	93	11	strengthens	strengthen	VERB
ajbmeb-3016	93	12	not	not	PART
ajbmeb-3016	93	13	only	only	ADV
ajbmeb-3016	93	14	individual	individual	ADJ
ajbmeb-3016	93	15	bank	bank	NOUN
ajbmeb-3016	93	16	resilience	resilience	NOUN
ajbmeb-3016	93	17	but	but	CCONJ
ajbmeb-3016	93	18	also	also	ADV
ajbmeb-3016	93	19	contributes	contribute	VERB
ajbmeb-3016	93	20	to	to	ADP
ajbmeb-3016	93	21	the	the	DET
ajbmeb-3016	93	22	stability	stability	NOUN
ajbmeb-3016	93	23	and	and	CCONJ
ajbmeb-3016	93	24	efficiency	efficiency	NOUN
ajbmeb-3016	93	25	of	of	ADP
ajbmeb-3016	93	26	the	the	DET
ajbmeb-3016	93	27	financial	financial	ADJ
ajbmeb-3016	93	28	system	system	NOUN
ajbmeb-3016	93	29	as	as	ADP
ajbmeb-3016	93	30	a	a	DET
ajbmeb-3016	93	31	whole	whole	NOUN
ajbmeb-3016	93	32	.	.	PUNCT
ajbmeb-3016	94	1	a	a	DET
ajbmeb-3016	94	2	healthy	healthy	ADJ
ajbmeb-3016	94	3	banking	banking	NOUN
ajbmeb-3016	94	4	sector	sector	NOUN
ajbmeb-3016	94	5	is	be	AUX
ajbmeb-3016	94	6	crucial	crucial	ADJ
ajbmeb-3016	94	7	for	for	ADP
ajbmeb-3016	94	8	sustainable	sustainable	ADJ
ajbmeb-3016	94	9	economic	economic	ADJ
ajbmeb-3016	94	10	growth	growth	NOUN
ajbmeb-3016	94	11	,	,	PUNCT
ajbmeb-3016	94	12	as	as	SCONJ
ajbmeb-3016	94	13	it	it	PRON
ajbmeb-3016	94	14	facilitates	facilitate	VERB
ajbmeb-3016	94	15	the	the	DET
ajbmeb-3016	94	16	smooth	smooth	ADJ
ajbmeb-3016	94	17	flow	flow	NOUN
ajbmeb-3016	94	18	of	of	ADP
ajbmeb-3016	94	19	credit	credit	NOUN
ajbmeb-3016	94	20	to	to	ADP
ajbmeb-3016	94	21	productive	productive	ADJ
ajbmeb-3016	94	22	sectors	sector	NOUN
ajbmeb-3016	94	23	of	of	ADP
ajbmeb-3016	94	24	the	the	DET
ajbmeb-3016	94	25	economy	economy	NOUN
ajbmeb-3016	94	26	.	.	PUNCT
ajbmeb-3016	95	1	policymakers	policymaker	NOUN
ajbmeb-3016	95	2	,	,	PUNCT
ajbmeb-3016	95	3	regulators	regulator	NOUN
ajbmeb-3016	95	4	,	,	PUNCT
ajbmeb-3016	95	5	and	and	CCONJ
ajbmeb-3016	95	6	bank	bank	NOUN
ajbmeb-3016	95	7	managers	manager	NOUN
ajbmeb-3016	95	8	must	must	AUX
ajbmeb-3016	95	9	therefore	therefore	ADV
ajbmeb-3016	95	10	work	work	VERB
ajbmeb-3016	95	11	collaboratively	collaboratively	ADV
ajbmeb-3016	95	12	to	to	PART
ajbmeb-3016	95	13	identify	identify	VERB
ajbmeb-3016	95	14	early	early	ADJ
ajbmeb-3016	95	15	warning	warning	NOUN
ajbmeb-3016	95	16	signals	signal	NOUN
ajbmeb-3016	95	17	,	,	PUNCT
ajbmeb-3016	95	18	promote	promote	VERB
ajbmeb-3016	95	19	financial	financial	ADJ
ajbmeb-3016	95	20	literacy	literacy	NOUN
ajbmeb-3016	95	21	,	,	PUNCT
ajbmeb-3016	95	22	and	and	CCONJ
ajbmeb-3016	95	23	ensure	ensure	VERB
ajbmeb-3016	95	24	that	that	SCONJ
ajbmeb-3016	95	25	risk	risk	NOUN
ajbmeb-3016	95	26	management	management	NOUN
ajbmeb-3016	95	27	practices	practice	NOUN
ajbmeb-3016	95	28	evolve	evolve	VERB
ajbmeb-3016	95	29	in	in	ADP
ajbmeb-3016	95	30	line	line	NOUN
ajbmeb-3016	95	31	with	with	ADP
ajbmeb-3016	95	32	changing	change	VERB
ajbmeb-3016	95	33	economic	economic	ADJ
ajbmeb-3016	95	34	realities	reality	NOUN
ajbmeb-3016	95	35	.	.	PUNCT
ajbmeb-3016	96	1	references	reference	NOUN
ajbmeb-3016	96	2	1	1	NUM
ajbmeb-3016	96	3	.	.	PUNCT
ajbmeb-3016	96	4	keynes	keynes	PROPN
ajbmeb-3016	96	5	j.m	j.m	PROPN
ajbmeb-3016	96	6	.	.	PUNCT
ajbmeb-3016	97	1	the	the	DET
ajbmeb-3016	97	2	general	general	ADJ
ajbmeb-3016	97	3	theory	theory	NOUN
ajbmeb-3016	97	4	of	of	ADP
ajbmeb-3016	97	5	employment	employment	NOUN
ajbmeb-3016	97	6	,	,	PUNCT
ajbmeb-3016	97	7	interest	interest	NOUN
ajbmeb-3016	97	8	and	and	CCONJ
ajbmeb-3016	97	9	money	money	NOUN
ajbmeb-3016	97	10	.	.	PUNCT
ajbmeb-3016	98	1	–	–	PUNCT
ajbmeb-3016	98	2	london	london	PROPN
ajbmeb-3016	98	3	:	:	PUNCT
ajbmeb-3016	98	4	macmillan	macmillan	PROPN
ajbmeb-3016	98	5	,	,	PUNCT
ajbmeb-3016	98	6	1936	1936	NUM
ajbmeb-3016	98	7	.	.	PUNCT
ajbmeb-3016	99	1	2	2	X
ajbmeb-3016	99	2	.	.	X
ajbmeb-3016	99	3	schumpeter	schumpeter	PROPN
ajbmeb-3016	99	4	j.a	j.a	PROPN
ajbmeb-3016	99	5	.	.	PUNCT
ajbmeb-3016	100	1	the	the	DET
ajbmeb-3016	100	2	theory	theory	NOUN
ajbmeb-3016	100	3	of	of	ADP
ajbmeb-3016	100	4	economic	economic	ADJ
ajbmeb-3016	100	5	development	development	NOUN
ajbmeb-3016	100	6	.	.	PUNCT
ajbmeb-3016	101	1	–	–	PUNCT
ajbmeb-3016	101	2	cambridge	cambridge	PROPN
ajbmeb-3016	101	3	:	:	PUNCT
ajbmeb-3016	101	4	harvard	harvard	PROPN
ajbmeb-3016	101	5	university	university	PROPN
ajbmeb-3016	101	6	press	press	NOUN
ajbmeb-3016	101	7	,	,	PUNCT
ajbmeb-3016	101	8	1934	1934	NUM
ajbmeb-3016	101	9	.	.	PUNCT
ajbmeb-3016	102	1	3	3	X
ajbmeb-3016	102	2	.	.	X
ajbmeb-3016	102	3	сэвелева	сэвелева	PROPN
ajbmeb-3016	102	4	т.н	т.н	PROPN
ajbmeb-3016	102	5	.	.	PROPN
ajbmeb-3016	102	6	проблемные	проблемные	PROPN
ajbmeb-3016	102	7	кредиты	кредиты	PROPN
ajbmeb-3016	102	8	:	:	PUNCT
ajbmeb-3016	102	9	понятие	понятие	VERB
ajbmeb-3016	102	10	,	,	PUNCT
ajbmeb-3016	102	11	классификация	классификация	PROPN
ajbmeb-3016	102	12	и	и	PROPN
ajbmeb-3016	102	13	пути	пути	NOUN
ajbmeb-3016	102	14	решения	решения	ADJ
ajbmeb-3016	102	15	//	//	NUM
ajbmeb-3016	102	16	вестник	вестник	AUX
ajbmeb-3016	102	17	экономики	экономики	VERB
ajbmeb-3016	102	18	и	и	NOUN
ajbmeb-3016	102	19	права	права	NOUN
ajbmeb-3016	102	20	.	.	PUNCT
ajbmeb-3016	103	1	–	–	PUNCT
ajbmeb-3016	103	2	2017	2017	NUM
ajbmeb-3016	103	3	.	.	PUNCT
ajbmeb-3016	104	1	–	–	PUNCT
ajbmeb-3016	104	2	№	№	NOUN
ajbmeb-3016	104	3	9	9	NUM
ajbmeb-3016	104	4	.	.	PUNCT
ajbmeb-3016	104	5	–	–	PUNCT
ajbmeb-3016	104	6	с	с	NOUN
ajbmeb-3016	104	7	.	.	PUNCT
ajbmeb-3016	105	1	132–136	132–136	NUM
ajbmeb-3016	105	2	.	.	PUNCT
ajbmeb-3016	106	1	4	4	NUM
ajbmeb-3016	106	2	.	.	X
ajbmeb-3016	106	3	михайлова	михайлова	VERB
ajbmeb-3016	106	4	и.в	и.в	PROPN
ajbmeb-3016	106	5	.	.	PROPN
ajbmeb-3016	106	6	управление	управление	PROPN
ajbmeb-3016	106	7	проблемными	проблемными	PROPN
ajbmeb-3016	106	8	кредитами	кредитами	PROPN
ajbmeb-3016	106	9	в	в	PROPN
ajbmeb-3016	106	10	коммерческом	коммерческом	PROPN
ajbmeb-3016	106	11	банке	банке	PROPN
ajbmeb-3016	106	12	//	//	NUM
ajbmeb-3016	106	13	финансовая	финансовая	ADJ
ajbmeb-3016	106	14	экономика	экономика	NOUN
ajbmeb-3016	106	15	.	.	PUNCT
ajbmeb-3016	107	1	–	–	PUNCT
ajbmeb-3016	107	2	2019	2019	NUM
ajbmeb-3016	107	3	.	.	PUNCT
ajbmeb-3016	108	1	–	–	PUNCT
ajbmeb-3016	108	2	№	№	NOUN
ajbmeb-3016	108	3	1	1	NUM
ajbmeb-3016	108	4	.	.	PUNCT
ajbmeb-3016	108	5	–	–	PUNCT
ajbmeb-3016	108	6	с	с	NOUN
ajbmeb-3016	108	7	.	.	PUNCT
ajbmeb-3016	109	1	78–81	78–81	VERB
ajbmeb-3016	109	2	.	.	PROPN
ajbmeb-3016	110	1	5	5	NUM
ajbmeb-3016	110	2	.	.	X
ajbmeb-3016	110	3	горбунова	горбунова	PROPN
ajbmeb-3016	110	4	н.в	н.в	PROPN
ajbmeb-3016	110	5	.	.	PROPN
ajbmeb-3016	110	6	воздействие	воздействие	NOUN
ajbmeb-3016	110	7	проблемных	проблемных	NOUN
ajbmeb-3016	110	8	кредитов	кредитов	PROPN
ajbmeb-3016	110	9	на	на	PROPN
ajbmeb-3016	110	10	устойчивость	устойчивость	PROPN
ajbmeb-3016	110	11	банковской	банковской	VERB
ajbmeb-3016	110	12	системы	системы	PROPN
ajbmeb-3016	110	13	//	//	PUNCT
ajbmeb-3016	110	14	деньги	деньги	VERB
ajbmeb-3016	110	15	и	и	PROPN
ajbmeb-3016	110	16	кредит	кредит	PROPN
ajbmeb-3016	110	17	.	.	PUNCT
ajbmeb-3016	111	1	–	–	PUNCT
ajbmeb-3016	111	2	2020	2020	NUM
ajbmeb-3016	111	3	.	.	PUNCT
ajbmeb-3016	112	1	–	–	PUNCT
ajbmeb-3016	112	2	№	№	ADV
ajbmeb-3016	112	3	6	6	NUM
ajbmeb-3016	112	4	.	.	PUNCT
ajbmeb-3016	112	5	–	–	PUNCT
ajbmeb-3016	112	6	с	с	NOUN
ajbmeb-3016	112	7	.	.	PUNCT
ajbmeb-3016	112	8	49–52	49–52	NUM
ajbmeb-3016	112	9	.	.	PUNCT
ajbmeb-3016	113	1	6	6	NUM
ajbmeb-3016	113	2	.	.	X
ajbmeb-3016	113	3	денисенко	денисенко	PROPN
ajbmeb-3016	113	4	в.с	в.с	PROPN
ajbmeb-3016	113	5	.	.	PROPN
ajbmeb-3016	113	6	финансовая	финансовая	PROPN
ajbmeb-3016	113	7	устойчивость	устойчивость	ADJ
ajbmeb-3016	113	8	банков	банков	PROPN
ajbmeb-3016	113	9	и	и	PROPN
ajbmeb-3016	113	10	влияние	влияние	ADJ
ajbmeb-3016	113	11	проблемных	проблемных	NOUN
ajbmeb-3016	113	12	кредитов	кредитов	PROPN
ajbmeb-3016	113	13	//	//	PROPN
ajbmeb-3016	113	14	банковское	банковское	X
ajbmeb-3016	113	15	дело	дело	PROPN
ajbmeb-3016	113	16	.	.	PUNCT
ajbmeb-3016	114	1	–	–	PUNCT
ajbmeb-3016	114	2	2017	2017	NUM
ajbmeb-3016	114	3	.	.	PUNCT
ajbmeb-3016	115	1	–	–	PUNCT
ajbmeb-3016	115	2	№	№	ADV
ajbmeb-3016	115	3	4	4	NUM
ajbmeb-3016	115	4	.	.	PUNCT
ajbmeb-3016	115	5	–	–	PUNCT
ajbmeb-3016	115	6	с	с	NOUN
ajbmeb-3016	115	7	.	.	PUNCT
ajbmeb-3016	116	1	33–36	33–36	NUM
ajbmeb-3016	116	2	.	.	PUNCT
ajbmeb-3016	117	1	7	7	X
ajbmeb-3016	117	2	.	.	X
ajbmeb-3016	117	3	козлов	козлов	PROPN
ajbmeb-3016	117	4	а.а	а.а	PROPN
ajbmeb-3016	117	5	.	.	PROPN
ajbmeb-3016	117	6	проблемные	проблемные	PROPN
ajbmeb-3016	117	7	активы	активы	NOUN
ajbmeb-3016	117	8	коммерческих	коммерческих	PUNCT
ajbmeb-3016	117	9	банков	банков	NOUN
ajbmeb-3016	117	10	:	:	PUNCT
ajbmeb-3016	118	1	причины	причины	NOUN
ajbmeb-3016	118	2	возникновения	возникновения	PROPN
ajbmeb-3016	118	3	и	и	PROPN
ajbmeb-3016	118	4	способы	способы	PROPN
ajbmeb-3016	118	5	минимизации	минимизации	PROPN
ajbmeb-3016	118	6	рисков	рисков	PROPN
ajbmeb-3016	118	7	//	//	SYM
ajbmeb-3016	118	8	вопросы	вопросы	NOUN
ajbmeb-3016	118	9	экономики	экономики	VERB
ajbmeb-3016	118	10	и	и	NOUN
ajbmeb-3016	118	11	права	права	NOUN
ajbmeb-3016	118	12	.	.	PUNCT
ajbmeb-3016	119	1	–	–	PUNCT
ajbmeb-3016	119	2	2018	2018	NUM
ajbmeb-3016	119	3	.	.	PUNCT
ajbmeb-3016	120	1	–	–	PUNCT
ajbmeb-3016	120	2	№	№	ADV
ajbmeb-3016	120	3	5	5	NUM
ajbmeb-3016	120	4	.	.	PUNCT
ajbmeb-3016	120	5	–	–	PUNCT
ajbmeb-3016	120	6	с	с	NOUN
ajbmeb-3016	120	7	.	.	PUNCT
ajbmeb-3016	121	1	85–88	85–88	NUM
ajbmeb-3016	121	2	.	.	NOUN
ajbmeb-3016	122	1	8	8	NUM
ajbmeb-3016	122	2	.	.	X
ajbmeb-3016	122	3	https://cbu.uz	https://cbu.uz	PROPN
ajbmeb-3016	122	4	–	–	PUNCT
ajbmeb-3016	122	5	the	the	DET
ajbmeb-3016	122	6	central	central	ADJ
ajbmeb-3016	122	7	bank	bank	NOUN
ajbmeb-3016	122	8	of	of	ADP
ajbmeb-3016	122	9	the	the	DET
ajbmeb-3016	122	10	republic	republic	NOUN
ajbmeb-3016	122	11	of	of	ADP
ajbmeb-3016	122	12	uzbekistan	uzbekistan	PROPN
ajbmeb-3016	122	13	https://cbu.uz/	https://cbu.uz/	PROPN