id	sid	tid	token	lemma	pos
ajbmeb-3047	1	1	american	american	PROPN
ajbmeb-3047	1	2	journal	journal	PROPN
ajbmeb-3047	1	3	of	of	ADP
ajbmeb-3047	1	4	business	business	NOUN
ajbmeb-3047	1	5	management	management	NOUN
ajbmeb-3047	1	6	,	,	PUNCT
ajbmeb-3047	1	7	economics	economic	NOUN
ajbmeb-3047	1	8	and	and	CCONJ
ajbmeb-3047	1	9	banking	banking	NOUN
ajbmeb-3047	1	10	issn	issn	PROPN
ajbmeb-3047	1	11	(	(	PUNCT
ajbmeb-3047	1	12	e	e	NOUN
ajbmeb-3047	1	13	):	):	PUNCT
ajbmeb-3047	1	14	2832	2832	NUM
ajbmeb-3047	1	15	-	-	SYM
ajbmeb-3047	1	16	8078	8078	NUM
ajbmeb-3047	1	17	volume	volume	NOUN
ajbmeb-3047	1	18	38	38	NUM
ajbmeb-3047	1	19	,	,	PUNCT
ajbmeb-3047	1	20	july	july	PROPN
ajbmeb-3047	1	21	2025	2025	NUM
ajbmeb-3047	1	22	p	p	NOUN
ajbmeb-3047	1	23	a	a	DET
ajbmeb-3047	1	24	g	g	NOUN
ajbmeb-3047	1	25	e	e	NOUN
ajbmeb-3047	1	26	|	|	ADV
ajbmeb-3047	1	27	6	6	NUM
ajbmeb-3047	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3047	1	29	methods	method	NOUN
ajbmeb-3047	1	30	for	for	ADP
ajbmeb-3047	1	31	assessing	assess	VERB
ajbmeb-3047	1	32	the	the	DET
ajbmeb-3047	1	33	financial	financial	ADJ
ajbmeb-3047	1	34	stability	stability	NOUN
ajbmeb-3047	1	35	of	of	ADP
ajbmeb-3047	1	36	a	a	DET
ajbmeb-3047	1	37	commercial	commercial	ADJ
ajbmeb-3047	1	38	banks	bank	NOUN
ajbmeb-3047	1	39	normetov	normetov	PROPN
ajbmeb-3047	1	40	bobur	bobur	PROPN
ajbmeb-3047	1	41	sharifboyevich	sharifboyevich	NOUN
ajbmeb-3047	1	42	manager	manager	NOUN
ajbmeb-3047	1	43	of	of	ADP
ajbmeb-3047	1	44	the	the	DET
ajbmeb-3047	1	45	loan	loan	NOUN
ajbmeb-3047	1	46	approval	approval	PROPN
ajbmeb-3047	1	47	department	department	PROPN
ajbmeb-3047	1	48	of	of	ADP
ajbmeb-3047	1	49	jscb	jscb	PROPN
ajbmeb-3047	1	50	“	"	PUNCT
ajbmeb-3047	1	51	mikrokreditbank	mikrokreditbank	ADJ
ajbmeb-3047	1	52	”	"	PUNCT
ajbmeb-3047	1	53	a	a	DET
ajbmeb-3047	1	54	b	b	PROPN
ajbmeb-3047	1	55	s	s	ADP
ajbmeb-3047	1	56	t	t	PROPN
ajbmeb-3047	1	57	r	r	NOUN
ajbmeb-3047	1	58	a	a	DET
ajbmeb-3047	1	59	c	c	NOUN
ajbmeb-3047	1	60	t	t	NOUN
ajbmeb-3047	1	61	k	k	X
ajbmeb-3047	1	62	e	e	PROPN
ajbmeb-3047	1	63	y	y	PROPN
ajbmeb-3047	1	64	w	w	NOUN
ajbmeb-3047	2	1	o	o	NOUN
ajbmeb-3047	2	2	r	r	NOUN
ajbmeb-3047	2	3	d	d	PROPN
ajbmeb-3047	2	4	s	s	VERB
ajbmeb-3047	2	5	this	this	DET
ajbmeb-3047	2	6	paper	paper	NOUN
ajbmeb-3047	2	7	examines	examine	VERB
ajbmeb-3047	2	8	the	the	DET
ajbmeb-3047	2	9	key	key	ADJ
ajbmeb-3047	2	10	financial	financial	ADJ
ajbmeb-3047	2	11	indicators	indicator	NOUN
ajbmeb-3047	2	12	used	use	VERB
ajbmeb-3047	2	13	to	to	PART
ajbmeb-3047	2	14	assess	assess	VERB
ajbmeb-3047	2	15	the	the	DET
ajbmeb-3047	2	16	financial	financial	ADJ
ajbmeb-3047	2	17	stability	stability	NOUN
ajbmeb-3047	2	18	of	of	ADP
ajbmeb-3047	2	19	commercial	commercial	ADJ
ajbmeb-3047	2	20	banks	bank	NOUN
ajbmeb-3047	2	21	.	.	PUNCT
ajbmeb-3047	3	1	the	the	DET
ajbmeb-3047	3	2	study	study	NOUN
ajbmeb-3047	3	3	focuses	focus	VERB
ajbmeb-3047	3	4	on	on	ADP
ajbmeb-3047	3	5	profitability	profitability	NOUN
ajbmeb-3047	3	6	,	,	PUNCT
ajbmeb-3047	3	7	efficiency	efficiency	NOUN
ajbmeb-3047	3	8	,	,	PUNCT
ajbmeb-3047	3	9	and	and	CCONJ
ajbmeb-3047	3	10	resource	resource	NOUN
ajbmeb-3047	3	11	utilization	utilization	NOUN
ajbmeb-3047	3	12	ratios	ratio	NOUN
ajbmeb-3047	3	13	such	such	ADJ
ajbmeb-3047	3	14	as	as	ADP
ajbmeb-3047	3	15	return	return	NOUN
ajbmeb-3047	3	16	on	on	ADP
ajbmeb-3047	3	17	equity	equity	NOUN
ajbmeb-3047	3	18	(	(	PUNCT
ajbmeb-3047	3	19	roe	roe	PROPN
ajbmeb-3047	3	20	)	)	PUNCT
ajbmeb-3047	3	21	,	,	PUNCT
ajbmeb-3047	3	22	return	return	VERB
ajbmeb-3047	3	23	on	on	ADP
ajbmeb-3047	3	24	assets	asset	NOUN
ajbmeb-3047	3	25	(	(	PUNCT
ajbmeb-3047	3	26	roa	roa	NOUN
ajbmeb-3047	3	27	)	)	PUNCT
ajbmeb-3047	3	28	,	,	PUNCT
ajbmeb-3047	3	29	profit	profit	NOUN
ajbmeb-3047	3	30	-	-	PUNCT
ajbmeb-3047	3	31	to	to	ADP
ajbmeb-3047	3	32	-	-	PUNCT
ajbmeb-3047	3	33	income	income	NOUN
ajbmeb-3047	3	34	,	,	PUNCT
ajbmeb-3047	3	35	profit	profit	NOUN
ajbmeb-3047	3	36	-	-	PUNCT
ajbmeb-3047	3	37	to	to	ADP
ajbmeb-3047	3	38	-	-	PUNCT
ajbmeb-3047	3	39	expense	expense	NOUN
ajbmeb-3047	3	40	,	,	PUNCT
ajbmeb-3047	3	41	asset	asset	NOUN
ajbmeb-3047	3	42	yield	yield	NOUN
ajbmeb-3047	3	43	,	,	PUNCT
ajbmeb-3047	3	44	and	and	CCONJ
ajbmeb-3047	3	45	the	the	DET
ajbmeb-3047	3	46	efficiency	efficiency	NOUN
ajbmeb-3047	3	47	of	of	ADP
ajbmeb-3047	3	48	using	use	VERB
ajbmeb-3047	3	49	borrowed	borrow	VERB
ajbmeb-3047	3	50	funds	fund	NOUN
ajbmeb-3047	3	51	.	.	PUNCT
ajbmeb-3047	4	1	these	these	DET
ajbmeb-3047	4	2	indicators	indicator	NOUN
ajbmeb-3047	4	3	serve	serve	VERB
ajbmeb-3047	4	4	as	as	ADP
ajbmeb-3047	4	5	essential	essential	ADJ
ajbmeb-3047	4	6	tools	tool	NOUN
ajbmeb-3047	4	7	for	for	ADP
ajbmeb-3047	4	8	evaluating	evaluate	VERB
ajbmeb-3047	4	9	a	a	DET
ajbmeb-3047	4	10	bank	bank	NOUN
ajbmeb-3047	4	11	’s	’s	PART
ajbmeb-3047	4	12	operational	operational	ADJ
ajbmeb-3047	4	13	performance	performance	NOUN
ajbmeb-3047	4	14	,	,	PUNCT
ajbmeb-3047	4	15	internal	internal	ADJ
ajbmeb-3047	4	16	financial	financial	ADJ
ajbmeb-3047	4	17	strength	strength	NOUN
ajbmeb-3047	4	18	,	,	PUNCT
ajbmeb-3047	4	19	and	and	CCONJ
ajbmeb-3047	4	20	risk	risk	NOUN
ajbmeb-3047	4	21	exposure	exposure	NOUN
ajbmeb-3047	4	22	.	.	PUNCT
ajbmeb-3047	5	1	financial	financial	ADJ
ajbmeb-3047	5	2	stability	stability	NOUN
ajbmeb-3047	5	3	,	,	PUNCT
ajbmeb-3047	5	4	commercial	commercial	ADJ
ajbmeb-3047	5	5	banks	bank	NOUN
ajbmeb-3047	5	6	,	,	PUNCT
ajbmeb-3047	5	7	liquidity	liquidity	NOUN
ajbmeb-3047	5	8	,	,	PUNCT
ajbmeb-3047	5	9	profitability	profitability	NOUN
ajbmeb-3047	5	10	,	,	PUNCT
ajbmeb-3047	5	11	capital	capital	NOUN
ajbmeb-3047	5	12	adequacy	adequacy	NOUN
ajbmeb-3047	5	13	,	,	PUNCT
ajbmeb-3047	5	14	modern	modern	ADJ
ajbmeb-3047	5	15	banking	banking	NOUN
ajbmeb-3047	5	16	services	service	NOUN
ajbmeb-3047	5	17	.	.	PUNCT
ajbmeb-3047	6	1	introduction	introduction	NOUN
ajbmeb-3047	6	2	in	in	ADP
ajbmeb-3047	6	3	the	the	DET
ajbmeb-3047	6	4	modern	modern	ADJ
ajbmeb-3047	6	5	banking	banking	NOUN
ajbmeb-3047	6	6	environment	environment	NOUN
ajbmeb-3047	6	7	,	,	PUNCT
ajbmeb-3047	6	8	ensuring	ensure	VERB
ajbmeb-3047	6	9	financial	financial	ADJ
ajbmeb-3047	6	10	stability	stability	NOUN
ajbmeb-3047	6	11	is	be	AUX
ajbmeb-3047	6	12	a	a	DET
ajbmeb-3047	6	13	critical	critical	ADJ
ajbmeb-3047	6	14	priority	priority	NOUN
ajbmeb-3047	6	15	for	for	ADP
ajbmeb-3047	6	16	both	both	PRON
ajbmeb-3047	6	17	financial	financial	ADJ
ajbmeb-3047	6	18	institutions	institution	NOUN
ajbmeb-3047	6	19	and	and	CCONJ
ajbmeb-3047	6	20	regulatory	regulatory	ADJ
ajbmeb-3047	6	21	authorities	authority	NOUN
ajbmeb-3047	6	22	.	.	PUNCT
ajbmeb-3047	7	1	commercial	commercial	ADJ
ajbmeb-3047	7	2	banks	bank	NOUN
ajbmeb-3047	7	3	play	play	VERB
ajbmeb-3047	7	4	a	a	DET
ajbmeb-3047	7	5	central	central	ADJ
ajbmeb-3047	7	6	role	role	NOUN
ajbmeb-3047	7	7	in	in	ADP
ajbmeb-3047	7	8	the	the	DET
ajbmeb-3047	7	9	economy	economy	NOUN
ajbmeb-3047	7	10	by	by	ADP
ajbmeb-3047	7	11	mobilizing	mobilize	VERB
ajbmeb-3047	7	12	savings	saving	NOUN
ajbmeb-3047	7	13	,	,	PUNCT
ajbmeb-3047	7	14	providing	provide	VERB
ajbmeb-3047	7	15	credit	credit	NOUN
ajbmeb-3047	7	16	,	,	PUNCT
ajbmeb-3047	7	17	and	and	CCONJ
ajbmeb-3047	7	18	facilitating	facilitate	VERB
ajbmeb-3047	7	19	payment	payment	NOUN
ajbmeb-3047	7	20	systems	system	NOUN
ajbmeb-3047	7	21	.	.	PUNCT
ajbmeb-3047	8	1	however	however	ADV
ajbmeb-3047	8	2	,	,	PUNCT
ajbmeb-3047	8	3	due	due	ADP
ajbmeb-3047	8	4	to	to	ADP
ajbmeb-3047	8	5	their	their	PRON
ajbmeb-3047	8	6	exposure	exposure	NOUN
ajbmeb-3047	8	7	to	to	ADP
ajbmeb-3047	8	8	credit	credit	NOUN
ajbmeb-3047	8	9	,	,	PUNCT
ajbmeb-3047	8	10	liquidity	liquidity	NOUN
ajbmeb-3047	8	11	,	,	PUNCT
ajbmeb-3047	8	12	market	market	NOUN
ajbmeb-3047	8	13	,	,	PUNCT
ajbmeb-3047	8	14	and	and	CCONJ
ajbmeb-3047	8	15	operational	operational	ADJ
ajbmeb-3047	8	16	risks	risk	NOUN
ajbmeb-3047	8	17	,	,	PUNCT
ajbmeb-3047	8	18	continuous	continuous	ADJ
ajbmeb-3047	8	19	assessment	assessment	NOUN
ajbmeb-3047	8	20	of	of	ADP
ajbmeb-3047	8	21	their	their	PRON
ajbmeb-3047	8	22	financial	financial	ADJ
ajbmeb-3047	8	23	performance	performance	NOUN
ajbmeb-3047	8	24	and	and	CCONJ
ajbmeb-3047	8	25	resilience	resilience	NOUN
ajbmeb-3047	8	26	is	be	AUX
ajbmeb-3047	8	27	essential	essential	ADJ
ajbmeb-3047	8	28	.	.	PUNCT
ajbmeb-3047	9	1	to	to	PART
ajbmeb-3047	9	2	evaluate	evaluate	VERB
ajbmeb-3047	9	3	a	a	DET
ajbmeb-3047	9	4	bank	bank	NOUN
ajbmeb-3047	9	5	's	's	PART
ajbmeb-3047	9	6	financial	financial	ADJ
ajbmeb-3047	9	7	health	health	NOUN
ajbmeb-3047	9	8	,	,	PUNCT
ajbmeb-3047	9	9	various	various	ADJ
ajbmeb-3047	9	10	quantitative	quantitative	ADJ
ajbmeb-3047	9	11	indicators	indicator	NOUN
ajbmeb-3047	9	12	are	be	AUX
ajbmeb-3047	9	13	used	use	VERB
ajbmeb-3047	9	14	to	to	PART
ajbmeb-3047	9	15	assess	assess	VERB
ajbmeb-3047	9	16	profitability	profitability	NOUN
ajbmeb-3047	9	17	,	,	PUNCT
ajbmeb-3047	9	18	efficiency	efficiency	NOUN
ajbmeb-3047	9	19	,	,	PUNCT
ajbmeb-3047	9	20	and	and	CCONJ
ajbmeb-3047	9	21	the	the	DET
ajbmeb-3047	9	22	effective	effective	ADJ
ajbmeb-3047	9	23	use	use	NOUN
ajbmeb-3047	9	24	of	of	ADP
ajbmeb-3047	9	25	assets	asset	NOUN
ajbmeb-3047	9	26	and	and	CCONJ
ajbmeb-3047	9	27	liabilities	liability	NOUN
ajbmeb-3047	9	28	.	.	PUNCT
ajbmeb-3047	10	1	among	among	ADP
ajbmeb-3047	10	2	the	the	DET
ajbmeb-3047	10	3	most	most	ADV
ajbmeb-3047	10	4	important	important	ADJ
ajbmeb-3047	10	5	metrics	metric	NOUN
ajbmeb-3047	10	6	are	be	AUX
ajbmeb-3047	10	7	return	return	NOUN
ajbmeb-3047	10	8	on	on	ADP
ajbmeb-3047	10	9	equity	equity	NOUN
ajbmeb-3047	10	10	(	(	PUNCT
ajbmeb-3047	10	11	roe	roe	PROPN
ajbmeb-3047	10	12	)	)	PUNCT
ajbmeb-3047	10	13	and	and	CCONJ
ajbmeb-3047	10	14	return	return	VERB
ajbmeb-3047	10	15	on	on	ADP
ajbmeb-3047	10	16	assets	asset	NOUN
ajbmeb-3047	10	17	(	(	PUNCT
ajbmeb-3047	10	18	roa	roa	NOUN
ajbmeb-3047	10	19	)	)	PUNCT
ajbmeb-3047	10	20	,	,	PUNCT
ajbmeb-3047	10	21	which	which	PRON
ajbmeb-3047	10	22	measure	measure	VERB
ajbmeb-3047	10	23	a	a	DET
ajbmeb-3047	10	24	bank	bank	NOUN
ajbmeb-3047	10	25	’s	’s	PART
ajbmeb-3047	10	26	profitability	profitability	NOUN
ajbmeb-3047	10	27	relative	relative	ADJ
ajbmeb-3047	10	28	to	to	ADP
ajbmeb-3047	10	29	its	its	PRON
ajbmeb-3047	10	30	capital	capital	NOUN
ajbmeb-3047	10	31	and	and	CCONJ
ajbmeb-3047	10	32	total	total	ADJ
ajbmeb-3047	10	33	assets	asset	NOUN
ajbmeb-3047	10	34	,	,	PUNCT
ajbmeb-3047	10	35	respectively	respectively	ADV
ajbmeb-3047	10	36	.	.	PUNCT
ajbmeb-3047	11	1	these	these	DET
ajbmeb-3047	11	2	indicators	indicator	NOUN
ajbmeb-3047	11	3	,	,	PUNCT
ajbmeb-3047	11	4	along	along	ADP
ajbmeb-3047	11	5	with	with	ADP
ajbmeb-3047	11	6	ratios	ratio	NOUN
ajbmeb-3047	11	7	such	such	ADJ
ajbmeb-3047	11	8	as	as	ADP
ajbmeb-3047	11	9	profit	profit	NOUN
ajbmeb-3047	11	10	-	-	PUNCT
ajbmeb-3047	11	11	to	to	ADP
ajbmeb-3047	11	12	-	-	PUNCT
ajbmeb-3047	11	13	income	income	NOUN
ajbmeb-3047	11	14	and	and	CCONJ
ajbmeb-3047	11	15	profit	profit	NOUN
ajbmeb-3047	11	16	-	-	PUNCT
ajbmeb-3047	11	17	to	to	ADP
ajbmeb-3047	11	18	-	-	PUNCT
ajbmeb-3047	11	19	expense	expense	NOUN
ajbmeb-3047	11	20	,	,	PUNCT
ajbmeb-3047	11	21	provide	provide	VERB
ajbmeb-3047	11	22	insight	insight	NOUN
ajbmeb-3047	11	23	into	into	ADP
ajbmeb-3047	11	24	the	the	DET
ajbmeb-3047	11	25	bank	bank	NOUN
ajbmeb-3047	11	26	’s	’s	PART
ajbmeb-3047	11	27	ability	ability	NOUN
ajbmeb-3047	11	28	to	to	PART
ajbmeb-3047	11	29	generate	generate	VERB
ajbmeb-3047	11	30	income	income	NOUN
ajbmeb-3047	11	31	and	and	CCONJ
ajbmeb-3047	11	32	manage	manage	VERB
ajbmeb-3047	11	33	costs	cost	NOUN
ajbmeb-3047	11	34	efficiently	efficiently	ADV
ajbmeb-3047	11	35	.	.	PUNCT
ajbmeb-3047	12	1	additionally	additionally	ADV
ajbmeb-3047	12	2	,	,	PUNCT
ajbmeb-3047	12	3	asset	asset	NOUN
ajbmeb-3047	12	4	yield	yield	NOUN
ajbmeb-3047	12	5	and	and	CCONJ
ajbmeb-3047	12	6	the	the	DET
ajbmeb-3047	12	7	efficiency	efficiency	NOUN
ajbmeb-3047	12	8	of	of	ADP
ajbmeb-3047	12	9	using	use	VERB
ajbmeb-3047	12	10	borrowed	borrow	VERB
ajbmeb-3047	12	11	funds	fund	NOUN
ajbmeb-3047	12	12	help	help	VERB
ajbmeb-3047	12	13	assess	assess	VERB
ajbmeb-3047	12	14	how	how	SCONJ
ajbmeb-3047	12	15	effectively	effectively	ADV
ajbmeb-3047	12	16	a	a	DET
ajbmeb-3047	12	17	bank	bank	NOUN
ajbmeb-3047	12	18	allocates	allocate	VERB
ajbmeb-3047	12	19	its	its	PRON
ajbmeb-3047	12	20	resources	resource	NOUN
ajbmeb-3047	12	21	to	to	PART
ajbmeb-3047	12	22	maximize	maximize	VERB
ajbmeb-3047	12	23	returns	return	NOUN
ajbmeb-3047	12	24	.	.	PUNCT
ajbmeb-3047	13	1	collectively	collectively	ADV
ajbmeb-3047	13	2	,	,	PUNCT
ajbmeb-3047	13	3	these	these	DET
ajbmeb-3047	13	4	measures	measure	NOUN
ajbmeb-3047	13	5	offer	offer	VERB
ajbmeb-3047	13	6	a	a	DET
ajbmeb-3047	13	7	comprehensive	comprehensive	ADJ
ajbmeb-3047	13	8	view	view	NOUN
ajbmeb-3047	13	9	of	of	ADP
ajbmeb-3047	13	10	a	a	DET
ajbmeb-3047	13	11	bank	bank	NOUN
ajbmeb-3047	13	12	’s	’s	PART
ajbmeb-3047	13	13	operational	operational	ADJ
ajbmeb-3047	13	14	strength	strength	NOUN
ajbmeb-3047	13	15	and	and	CCONJ
ajbmeb-3047	13	16	financial	financial	ADJ
ajbmeb-3047	13	17	sustainability	sustainability	NOUN
ajbmeb-3047	13	18	.	.	PUNCT
ajbmeb-3047	14	1	the	the	DET
ajbmeb-3047	14	2	systematic	systematic	ADJ
ajbmeb-3047	14	3	use	use	NOUN
ajbmeb-3047	14	4	of	of	ADP
ajbmeb-3047	14	5	these	these	DET
ajbmeb-3047	14	6	ratios	ratio	NOUN
ajbmeb-3047	14	7	enables	enable	VERB
ajbmeb-3047	14	8	internal	internal	ADJ
ajbmeb-3047	14	9	management	management	NOUN
ajbmeb-3047	14	10	,	,	PUNCT
ajbmeb-3047	14	11	investors	investor	NOUN
ajbmeb-3047	14	12	,	,	PUNCT
ajbmeb-3047	14	13	and	and	CCONJ
ajbmeb-3047	14	14	regulators	regulator	NOUN
ajbmeb-3047	14	15	to	to	PART
ajbmeb-3047	14	16	make	make	VERB
ajbmeb-3047	14	17	informed	informed	ADJ
ajbmeb-3047	14	18	decisions	decision	NOUN
ajbmeb-3047	14	19	regarding	regard	VERB
ajbmeb-3047	14	20	the	the	DET
ajbmeb-3047	14	21	financial	financial	ADJ
ajbmeb-3047	14	22	performance	performance	NOUN
ajbmeb-3047	14	23	and	and	CCONJ
ajbmeb-3047	14	24	risk	risk	NOUN
ajbmeb-3047	14	25	exposure	exposure	NOUN
ajbmeb-3047	14	26	of	of	ADP
ajbmeb-3047	14	27	credit	credit	NOUN
ajbmeb-3047	14	28	institutions	institution	NOUN
ajbmeb-3047	14	29	.	.	PUNCT
ajbmeb-3047	15	1	moreover	moreover	ADV
ajbmeb-3047	15	2	,	,	PUNCT
ajbmeb-3047	15	3	in	in	ADP
ajbmeb-3047	15	4	the	the	DET
ajbmeb-3047	15	5	context	context	NOUN
ajbmeb-3047	15	6	of	of	ADP
ajbmeb-3047	15	7	increasing	increase	VERB
ajbmeb-3047	15	8	competition	competition	NOUN
ajbmeb-3047	15	9	,	,	PUNCT
ajbmeb-3047	15	10	digitalization	digitalization	NOUN
ajbmeb-3047	15	11	,	,	PUNCT
ajbmeb-3047	15	12	and	and	CCONJ
ajbmeb-3047	15	13	economic	economic	ADJ
ajbmeb-3047	15	14	uncertainty	uncertainty	NOUN
ajbmeb-3047	15	15	,	,	PUNCT
ajbmeb-3047	15	16	maintaining	maintain	VERB
ajbmeb-3047	15	17	high	high	ADJ
ajbmeb-3047	15	18	levels	level	NOUN
ajbmeb-3047	15	19	of	of	ADP
ajbmeb-3047	15	20	profitability	profitability	NOUN
ajbmeb-3047	15	21	and	and	CCONJ
ajbmeb-3047	15	22	efficiency	efficiency	NOUN
ajbmeb-3047	15	23	becomes	become	VERB
ajbmeb-3047	15	24	not	not	PART
ajbmeb-3047	15	25	just	just	ADV
ajbmeb-3047	15	26	a	a	DET
ajbmeb-3047	15	27	goal	goal	NOUN
ajbmeb-3047	15	28	but	but	CCONJ
ajbmeb-3047	15	29	a	a	DET
ajbmeb-3047	15	30	necessity	necessity	NOUN
ajbmeb-3047	15	31	for	for	ADP
ajbmeb-3047	15	32	survival	survival	NOUN
ajbmeb-3047	15	33	and	and	CCONJ
ajbmeb-3047	15	34	growth	growth	NOUN
ajbmeb-3047	15	35	in	in	ADP
ajbmeb-3047	15	36	the	the	DET
ajbmeb-3047	15	37	banking	banking	NOUN
ajbmeb-3047	15	38	sector	sector	NOUN
ajbmeb-3047	15	39	.	.	PUNCT
ajbmeb-3047	16	1	therefore	therefore	ADV
ajbmeb-3047	16	2	,	,	PUNCT
ajbmeb-3047	16	3	the	the	DET
ajbmeb-3047	16	4	following	follow	VERB
ajbmeb-3047	16	5	analysis	analysis	NOUN
ajbmeb-3047	16	6	focuses	focus	VERB
ajbmeb-3047	16	7	on	on	ADP
ajbmeb-3047	16	8	the	the	DET
ajbmeb-3047	16	9	interpretation	interpretation	NOUN
ajbmeb-3047	16	10	and	and	CCONJ
ajbmeb-3047	16	11	application	application	NOUN
ajbmeb-3047	16	12	of	of	ADP
ajbmeb-3047	16	13	key	key	ADJ
ajbmeb-3047	16	14	financial	financial	ADJ
ajbmeb-3047	16	15	indicators	indicator	NOUN
ajbmeb-3047	16	16	that	that	PRON
ajbmeb-3047	16	17	are	be	AUX
ajbmeb-3047	16	18	vital	vital	ADJ
ajbmeb-3047	16	19	for	for	ADP
ajbmeb-3047	16	20	assessing	assess	VERB
ajbmeb-3047	16	21	the	the	DET
ajbmeb-3047	16	22	stability	stability	NOUN
ajbmeb-3047	16	23	and	and	CCONJ
ajbmeb-3047	16	24	performance	performance	NOUN
ajbmeb-3047	16	25	of	of	ADP
ajbmeb-3047	16	26	commercial	commercial	ADJ
ajbmeb-3047	16	27	banks	bank	NOUN
ajbmeb-3047	16	28	.	.	PUNCT
ajbmeb-3047	17	1	american	american	PROPN
ajbmeb-3047	17	2	journal	journal	PROPN
ajbmeb-3047	17	3	of	of	ADP
ajbmeb-3047	17	4	business	business	NOUN
ajbmeb-3047	17	5	management	management	NOUN
ajbmeb-3047	17	6	,	,	PUNCT
ajbmeb-3047	17	7	economics	economic	NOUN
ajbmeb-3047	17	8	and	and	CCONJ
ajbmeb-3047	17	9	banking	banking	NOUN
ajbmeb-3047	17	10	volume	volume	NOUN
ajbmeb-3047	17	11	38	38	NUM
ajbmeb-3047	18	1	july2025	july2025	PROPN
ajbmeb-3047	18	2	p	p	NOUN
ajbmeb-3047	18	3	a	a	DET
ajbmeb-3047	18	4	g	g	NOUN
ajbmeb-3047	18	5	e	e	NOUN
ajbmeb-3047	18	6	|	|	ADV
ajbmeb-3047	18	7	7	7	NUM
ajbmeb-3047	18	8	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3047	18	9	literature	literature	NOUN
ajbmeb-3047	18	10	review	review	VERB
ajbmeb-3047	18	11	financial	financial	ADJ
ajbmeb-3047	18	12	stability	stability	NOUN
ajbmeb-3047	18	13	is	be	AUX
ajbmeb-3047	18	14	a	a	DET
ajbmeb-3047	18	15	fundamental	fundamental	ADJ
ajbmeb-3047	18	16	condition	condition	NOUN
ajbmeb-3047	18	17	for	for	ADP
ajbmeb-3047	18	18	achieving	achieve	VERB
ajbmeb-3047	18	19	the	the	DET
ajbmeb-3047	18	20	strategic	strategic	ADJ
ajbmeb-3047	18	21	objectives	objective	NOUN
ajbmeb-3047	18	22	set	set	VERB
ajbmeb-3047	18	23	within	within	ADP
ajbmeb-3047	18	24	the	the	DET
ajbmeb-3047	18	25	bank	bank	NOUN
ajbmeb-3047	18	26	's	's	PART
ajbmeb-3047	18	27	development	development	NOUN
ajbmeb-3047	18	28	framework	framework	NOUN
ajbmeb-3047	18	29	.	.	PUNCT
ajbmeb-3047	19	1	this	this	DET
ajbmeb-3047	19	2	stability	stability	NOUN
ajbmeb-3047	19	3	is	be	AUX
ajbmeb-3047	19	4	formed	form	VERB
ajbmeb-3047	19	5	under	under	ADP
ajbmeb-3047	19	6	the	the	DET
ajbmeb-3047	19	7	influence	influence	NOUN
ajbmeb-3047	19	8	of	of	ADP
ajbmeb-3047	19	9	both	both	CCONJ
ajbmeb-3047	19	10	internal	internal	ADJ
ajbmeb-3047	19	11	and	and	CCONJ
ajbmeb-3047	19	12	external	external	ADJ
ajbmeb-3047	19	13	factors	factor	NOUN
ajbmeb-3047	19	14	and	and	CCONJ
ajbmeb-3047	19	15	is	be	AUX
ajbmeb-3047	19	16	assessed	assess	VERB
ajbmeb-3047	19	17	through	through	ADP
ajbmeb-3047	19	18	specific	specific	ADJ
ajbmeb-3047	19	19	indicators	indicator	NOUN
ajbmeb-3047	19	20	and	and	CCONJ
ajbmeb-3047	19	21	rating	rating	NOUN
ajbmeb-3047	19	22	evaluations	evaluation	NOUN
ajbmeb-3047	19	23	of	of	ADP
ajbmeb-3047	19	24	the	the	DET
ajbmeb-3047	19	25	bank	bank	NOUN
ajbmeb-3047	19	26	’s	’s	PART
ajbmeb-3047	19	27	activities	activity	NOUN
ajbmeb-3047	19	28	[	[	X
ajbmeb-3047	19	29	1	1	NUM
ajbmeb-3047	19	30	]	]	PUNCT
ajbmeb-3047	19	31	.	.	PUNCT
ajbmeb-3047	20	1	v.p	v.p	PROPN
ajbmeb-3047	20	2	.	.	PROPN
ajbmeb-3047	20	3	okhapkin	okhapkin	PROPN
ajbmeb-3047	20	4	views	view	VERB
ajbmeb-3047	20	5	the	the	DET
ajbmeb-3047	20	6	financial	financial	ADJ
ajbmeb-3047	20	7	stability	stability	NOUN
ajbmeb-3047	20	8	of	of	ADP
ajbmeb-3047	20	9	a	a	DET
ajbmeb-3047	20	10	bank	bank	NOUN
ajbmeb-3047	20	11	as	as	ADP
ajbmeb-3047	20	12	a	a	DET
ajbmeb-3047	20	13	dynamic	dynamic	ADJ
ajbmeb-3047	20	14	and	and	CCONJ
ajbmeb-3047	20	15	integrated	integrated	ADJ
ajbmeb-3047	20	16	characteristic	characteristic	NOUN
ajbmeb-3047	20	17	that	that	PRON
ajbmeb-3047	20	18	reflects	reflect	VERB
ajbmeb-3047	20	19	the	the	DET
ajbmeb-3047	20	20	banking	banking	NOUN
ajbmeb-3047	20	21	system	system	NOUN
ajbmeb-3047	20	22	’s	’s	PART
ajbmeb-3047	20	23	ability	ability	NOUN
ajbmeb-3047	20	24	to	to	PART
ajbmeb-3047	20	25	transform	transform	VERB
ajbmeb-3047	20	26	resources	resource	NOUN
ajbmeb-3047	20	27	and	and	CCONJ
ajbmeb-3047	20	28	risks	risk	NOUN
ajbmeb-3047	20	29	.	.	PUNCT
ajbmeb-3047	21	1	he	he	PRON
ajbmeb-3047	21	2	emphasizes	emphasize	VERB
ajbmeb-3047	21	3	that	that	SCONJ
ajbmeb-3047	21	4	this	this	DET
ajbmeb-3047	21	5	stability	stability	NOUN
ajbmeb-3047	21	6	represents	represent	VERB
ajbmeb-3047	21	7	a	a	DET
ajbmeb-3047	21	8	bank	bank	NOUN
ajbmeb-3047	21	9	’s	’s	PART
ajbmeb-3047	21	10	capacity	capacity	NOUN
ajbmeb-3047	21	11	to	to	PART
ajbmeb-3047	21	12	withstand	withstand	VERB
ajbmeb-3047	21	13	both	both	CCONJ
ajbmeb-3047	21	14	internal	internal	ADJ
ajbmeb-3047	21	15	and	and	CCONJ
ajbmeb-3047	21	16	external	external	ADJ
ajbmeb-3047	21	17	environmental	environmental	ADJ
ajbmeb-3047	21	18	influences	influence	NOUN
ajbmeb-3047	21	19	while	while	SCONJ
ajbmeb-3047	21	20	performing	perform	VERB
ajbmeb-3047	21	21	its	its	PRON
ajbmeb-3047	21	22	functions	function	NOUN
ajbmeb-3047	21	23	with	with	ADP
ajbmeb-3047	21	24	maximum	maximum	ADJ
ajbmeb-3047	21	25	efficiency	efficiency	NOUN
ajbmeb-3047	21	26	and	and	CCONJ
ajbmeb-3047	21	27	minimal	minimal	ADJ
ajbmeb-3047	21	28	risk	risk	NOUN
ajbmeb-3047	21	29	[	[	X
ajbmeb-3047	21	30	2	2	NUM
ajbmeb-3047	21	31	]	]	PUNCT
ajbmeb-3047	21	32	.	.	PUNCT
ajbmeb-3047	22	1	according	accord	VERB
ajbmeb-3047	22	2	to	to	ADP
ajbmeb-3047	22	3	g.n	g.n	PROPN
ajbmeb-3047	22	4	.	.	PROPN
ajbmeb-3047	22	5	beloglazova	beloglazova	PROPN
ajbmeb-3047	22	6	,	,	PUNCT
ajbmeb-3047	22	7	the	the	DET
ajbmeb-3047	22	8	financial	financial	ADJ
ajbmeb-3047	22	9	stability	stability	NOUN
ajbmeb-3047	22	10	of	of	ADP
ajbmeb-3047	22	11	a	a	DET
ajbmeb-3047	22	12	bank	bank	NOUN
ajbmeb-3047	22	13	is	be	AUX
ajbmeb-3047	22	14	defined	define	VERB
ajbmeb-3047	22	15	by	by	ADP
ajbmeb-3047	22	16	the	the	DET
ajbmeb-3047	22	17	extent	extent	NOUN
ajbmeb-3047	22	18	to	to	PART
ajbmeb-3047	22	19	which	which	PRON
ajbmeb-3047	22	20	its	its	PRON
ajbmeb-3047	22	21	income	income	NOUN
ajbmeb-3047	22	22	exceeds	exceed	VERB
ajbmeb-3047	22	23	its	its	PRON
ajbmeb-3047	22	24	expenditures	expenditure	NOUN
ajbmeb-3047	22	25	.	.	PUNCT
ajbmeb-3047	23	1	profitability	profitability	NOUN
ajbmeb-3047	23	2	is	be	AUX
ajbmeb-3047	23	3	regarded	regard	VERB
ajbmeb-3047	23	4	as	as	ADP
ajbmeb-3047	23	5	a	a	DET
ajbmeb-3047	23	6	crucial	crucial	ADJ
ajbmeb-3047	23	7	indicator	indicator	NOUN
ajbmeb-3047	23	8	of	of	ADP
ajbmeb-3047	23	9	the	the	DET
ajbmeb-3047	23	10	bank	bank	NOUN
ajbmeb-3047	23	11	’s	’s	PART
ajbmeb-3047	23	12	operational	operational	ADJ
ajbmeb-3047	23	13	performance	performance	NOUN
ajbmeb-3047	23	14	.	.	PUNCT
ajbmeb-3047	24	1	to	to	PART
ajbmeb-3047	24	2	determine	determine	VERB
ajbmeb-3047	24	3	a	a	DET
ajbmeb-3047	24	4	bank	bank	NOUN
ajbmeb-3047	24	5	’s	’s	PART
ajbmeb-3047	24	6	financial	financial	ADJ
ajbmeb-3047	24	7	stability	stability	NOUN
ajbmeb-3047	24	8	accurately	accurately	ADV
ajbmeb-3047	24	9	,	,	PUNCT
ajbmeb-3047	24	10	it	it	PRON
ajbmeb-3047	24	11	is	be	AUX
ajbmeb-3047	24	12	essential	essential	ADJ
ajbmeb-3047	24	13	to	to	PART
ajbmeb-3047	24	14	know	know	VERB
ajbmeb-3047	24	15	the	the	DET
ajbmeb-3047	24	16	sources	source	NOUN
ajbmeb-3047	24	17	of	of	ADP
ajbmeb-3047	24	18	profit	profit	NOUN
ajbmeb-3047	24	19	and	and	CCONJ
ajbmeb-3047	24	20	how	how	SCONJ
ajbmeb-3047	24	21	that	that	DET
ajbmeb-3047	24	22	profit	profit	NOUN
ajbmeb-3047	24	23	is	be	AUX
ajbmeb-3047	24	24	distributed	distribute	VERB
ajbmeb-3047	24	25	[	[	PUNCT
ajbmeb-3047	24	26	3	3	NUM
ajbmeb-3047	24	27	]	]	PUNCT
ajbmeb-3047	24	28	.	.	PUNCT
ajbmeb-3047	25	1	meanwhile	meanwhile	ADV
ajbmeb-3047	25	2	,	,	PUNCT
ajbmeb-3047	25	3	o.v	o.v	PROPN
ajbmeb-3047	25	4	.	.	PROPN
ajbmeb-3047	25	5	goryukova	goryukova	PROPN
ajbmeb-3047	25	6	highlights	highlight	NOUN
ajbmeb-3047	25	7	that	that	SCONJ
ajbmeb-3047	25	8	in	in	ADP
ajbmeb-3047	25	9	the	the	DET
ajbmeb-3047	25	10	modern	modern	ADJ
ajbmeb-3047	25	11	context	context	NOUN
ajbmeb-3047	25	12	,	,	PUNCT
ajbmeb-3047	25	13	financial	financial	ADJ
ajbmeb-3047	25	14	stability	stability	NOUN
ajbmeb-3047	25	15	is	be	AUX
ajbmeb-3047	25	16	a	a	DET
ajbmeb-3047	25	17	key	key	ADJ
ajbmeb-3047	25	18	component	component	NOUN
ajbmeb-3047	25	19	of	of	ADP
ajbmeb-3047	25	20	a	a	DET
ajbmeb-3047	25	21	bank	bank	NOUN
ajbmeb-3047	25	22	's	's	PART
ajbmeb-3047	25	23	overall	overall	ADJ
ajbmeb-3047	25	24	financial	financial	ADJ
ajbmeb-3047	25	25	condition	condition	NOUN
ajbmeb-3047	25	26	.	.	PUNCT
ajbmeb-3047	26	1	she	she	PRON
ajbmeb-3047	26	2	asserts	assert	VERB
ajbmeb-3047	26	3	that	that	SCONJ
ajbmeb-3047	26	4	assessing	assess	VERB
ajbmeb-3047	26	5	a	a	DET
ajbmeb-3047	26	6	bank	bank	NOUN
ajbmeb-3047	26	7	’s	’s	PART
ajbmeb-3047	26	8	stability	stability	NOUN
ajbmeb-3047	26	9	and	and	CCONJ
ajbmeb-3047	26	10	reliability	reliability	NOUN
ajbmeb-3047	26	11	requires	require	VERB
ajbmeb-3047	26	12	an	an	DET
ajbmeb-3047	26	13	objective	objective	ADJ
ajbmeb-3047	26	14	and	and	CCONJ
ajbmeb-3047	26	15	systematic	systematic	ADJ
ajbmeb-3047	26	16	evaluation	evaluation	NOUN
ajbmeb-3047	26	17	of	of	ADP
ajbmeb-3047	26	18	its	its	PRON
ajbmeb-3047	26	19	financial	financial	ADJ
ajbmeb-3047	26	20	position	position	NOUN
ajbmeb-3047	26	21	.	.	PUNCT
ajbmeb-3047	27	1	this	this	DET
ajbmeb-3047	27	2	evaluation	evaluation	NOUN
ajbmeb-3047	27	3	must	must	AUX
ajbmeb-3047	27	4	apply	apply	VERB
ajbmeb-3047	27	5	a	a	DET
ajbmeb-3047	27	6	system	system	NOUN
ajbmeb-3047	27	7	-	-	PUNCT
ajbmeb-3047	27	8	based	base	VERB
ajbmeb-3047	27	9	approach	approach	NOUN
ajbmeb-3047	27	10	incorporating	incorporate	VERB
ajbmeb-3047	27	11	a	a	DET
ajbmeb-3047	27	12	balanced	balanced	ADJ
ajbmeb-3047	27	13	set	set	NOUN
ajbmeb-3047	27	14	of	of	ADP
ajbmeb-3047	27	15	indicators	indicator	NOUN
ajbmeb-3047	27	16	that	that	PRON
ajbmeb-3047	27	17	reflect	reflect	VERB
ajbmeb-3047	27	18	levels	level	NOUN
ajbmeb-3047	27	19	of	of	ADP
ajbmeb-3047	27	20	reliability	reliability	NOUN
ajbmeb-3047	27	21	,	,	PUNCT
ajbmeb-3047	27	22	efficiency	efficiency	NOUN
ajbmeb-3047	27	23	,	,	PUNCT
ajbmeb-3047	27	24	and	and	CCONJ
ajbmeb-3047	27	25	the	the	DET
ajbmeb-3047	27	26	probability	probability	NOUN
ajbmeb-3047	27	27	of	of	ADP
ajbmeb-3047	27	28	default	default	NOUN
ajbmeb-3047	27	29	[	[	X
ajbmeb-3047	27	30	4	4	NUM
ajbmeb-3047	27	31	]	]	PUNCT
ajbmeb-3047	27	32	.	.	PUNCT
ajbmeb-3047	28	1	t.p	t.p	PROPN
ajbmeb-3047	28	2	.	.	PROPN
ajbmeb-3047	28	3	nikolayeva	nikolayeva	PROPN
ajbmeb-3047	28	4	interprets	interpret	VERB
ajbmeb-3047	28	5	financial	financial	ADJ
ajbmeb-3047	28	6	stability	stability	NOUN
ajbmeb-3047	28	7	as	as	ADP
ajbmeb-3047	28	8	a	a	DET
ajbmeb-3047	28	9	commercial	commercial	ADJ
ajbmeb-3047	28	10	bank	bank	NOUN
ajbmeb-3047	28	11	’s	’s	PART
ajbmeb-3047	28	12	ability	ability	NOUN
ajbmeb-3047	28	13	to	to	PART
ajbmeb-3047	28	14	perform	perform	VERB
ajbmeb-3047	28	15	its	its	PRON
ajbmeb-3047	28	16	core	core	NOUN
ajbmeb-3047	28	17	and	and	CCONJ
ajbmeb-3047	28	18	emerging	emerge	VERB
ajbmeb-3047	28	19	functions	function	NOUN
ajbmeb-3047	28	20	regardless	regardless	ADV
ajbmeb-3047	28	21	of	of	ADP
ajbmeb-3047	28	22	the	the	DET
ajbmeb-3047	28	23	nature	nature	NOUN
ajbmeb-3047	28	24	of	of	ADP
ajbmeb-3047	28	25	external	external	ADJ
ajbmeb-3047	28	26	impacts	impact	NOUN
ajbmeb-3047	28	27	[	[	X
ajbmeb-3047	28	28	5	5	NUM
ajbmeb-3047	28	29	]	]	PUNCT
ajbmeb-3047	28	30	.	.	PUNCT
ajbmeb-3047	29	1	analysis	analysis	NOUN
ajbmeb-3047	29	2	and	and	CCONJ
ajbmeb-3047	29	3	results	result	NOUN
ajbmeb-3047	29	4	assessing	assess	VERB
ajbmeb-3047	29	5	the	the	DET
ajbmeb-3047	29	6	financial	financial	ADJ
ajbmeb-3047	29	7	stability	stability	NOUN
ajbmeb-3047	29	8	of	of	ADP
ajbmeb-3047	29	9	commercial	commercial	ADJ
ajbmeb-3047	29	10	banks	bank	NOUN
ajbmeb-3047	29	11	is	be	AUX
ajbmeb-3047	29	12	essential	essential	ADJ
ajbmeb-3047	29	13	for	for	ADP
ajbmeb-3047	29	14	ensuring	ensure	VERB
ajbmeb-3047	29	15	the	the	DET
ajbmeb-3047	29	16	soundness	soundness	NOUN
ajbmeb-3047	29	17	of	of	ADP
ajbmeb-3047	29	18	the	the	DET
ajbmeb-3047	29	19	financial	financial	ADJ
ajbmeb-3047	29	20	system	system	NOUN
ajbmeb-3047	29	21	,	,	PUNCT
ajbmeb-3047	29	22	protecting	protect	VERB
ajbmeb-3047	29	23	depositors	depositor	NOUN
ajbmeb-3047	29	24	,	,	PUNCT
ajbmeb-3047	29	25	and	and	CCONJ
ajbmeb-3047	29	26	maintaining	maintain	VERB
ajbmeb-3047	29	27	public	public	ADJ
ajbmeb-3047	29	28	confidence	confidence	NOUN
ajbmeb-3047	29	29	.	.	PUNCT
ajbmeb-3047	30	1	financial	financial	ADJ
ajbmeb-3047	30	2	stability	stability	NOUN
ajbmeb-3047	30	3	reflects	reflect	VERB
ajbmeb-3047	30	4	a	a	DET
ajbmeb-3047	30	5	bank	bank	NOUN
ajbmeb-3047	30	6	’s	’s	PART
ajbmeb-3047	30	7	ability	ability	NOUN
ajbmeb-3047	30	8	to	to	PART
ajbmeb-3047	30	9	withstand	withstand	VERB
ajbmeb-3047	30	10	internal	internal	ADJ
ajbmeb-3047	30	11	and	and	CCONJ
ajbmeb-3047	30	12	external	external	ADJ
ajbmeb-3047	30	13	shocks	shock	NOUN
ajbmeb-3047	30	14	without	without	ADP
ajbmeb-3047	30	15	failing	fail	VERB
ajbmeb-3047	30	16	or	or	CCONJ
ajbmeb-3047	30	17	needing	need	VERB
ajbmeb-3047	30	18	government	government	NOUN
ajbmeb-3047	30	19	intervention	intervention	NOUN
ajbmeb-3047	30	20	.	.	PUNCT
ajbmeb-3047	31	1	each	each	DET
ajbmeb-3047	31	2	commercial	commercial	ADJ
ajbmeb-3047	31	3	organization	organization	NOUN
ajbmeb-3047	31	4	,	,	PUNCT
ajbmeb-3047	31	5	when	when	SCONJ
ajbmeb-3047	31	6	analyzing	analyze	VERB
ajbmeb-3047	31	7	its	its	PRON
ajbmeb-3047	31	8	financial	financial	ADJ
ajbmeb-3047	31	9	condition	condition	NOUN
ajbmeb-3047	31	10	,	,	PUNCT
ajbmeb-3047	31	11	is	be	AUX
ajbmeb-3047	31	12	required	require	VERB
ajbmeb-3047	31	13	to	to	PART
ajbmeb-3047	31	14	calculate	calculate	VERB
ajbmeb-3047	31	15	mandatory	mandatory	ADJ
ajbmeb-3047	31	16	regulatory	regulatory	ADJ
ajbmeb-3047	31	17	ratios	ratio	NOUN
ajbmeb-3047	31	18	.	.	PUNCT
ajbmeb-3047	32	1	maintaining	maintain	VERB
ajbmeb-3047	32	2	these	these	DET
ajbmeb-3047	32	3	ratios	ratio	NOUN
ajbmeb-3047	32	4	at	at	ADP
ajbmeb-3047	32	5	the	the	DET
ajbmeb-3047	32	6	required	require	VERB
ajbmeb-3047	32	7	level	level	NOUN
ajbmeb-3047	32	8	ensures	ensure	VERB
ajbmeb-3047	32	9	that	that	SCONJ
ajbmeb-3047	32	10	the	the	DET
ajbmeb-3047	32	11	bank	bank	NOUN
ajbmeb-3047	32	12	exercises	exercise	VERB
ajbmeb-3047	32	13	control	control	VERB
ajbmeb-3047	32	14	over	over	ADP
ajbmeb-3047	32	15	the	the	DET
ajbmeb-3047	32	16	risks	risk	NOUN
ajbmeb-3047	32	17	it	it	PRON
ajbmeb-3047	32	18	undertakes	undertake	VERB
ajbmeb-3047	32	19	in	in	ADP
ajbmeb-3047	32	20	the	the	DET
ajbmeb-3047	32	21	course	course	NOUN
ajbmeb-3047	32	22	of	of	ADP
ajbmeb-3047	32	23	its	its	PRON
ajbmeb-3047	32	24	financial	financial	ADJ
ajbmeb-3047	32	25	and	and	CCONJ
ajbmeb-3047	32	26	economic	economic	ADJ
ajbmeb-3047	32	27	activities	activity	NOUN
ajbmeb-3047	32	28	.	.	PUNCT
ajbmeb-3047	33	1	to	to	PART
ajbmeb-3047	33	2	assess	assess	VERB
ajbmeb-3047	33	3	the	the	DET
ajbmeb-3047	33	4	mandatory	mandatory	ADJ
ajbmeb-3047	33	5	regulatory	regulatory	ADJ
ajbmeb-3047	33	6	ratios	ratio	NOUN
ajbmeb-3047	33	7	,	,	PUNCT
ajbmeb-3047	33	8	the	the	DET
ajbmeb-3047	33	9	following	follow	VERB
ajbmeb-3047	33	10	steps	step	NOUN
ajbmeb-3047	33	11	are	be	AUX
ajbmeb-3047	33	12	necessary	necessary	ADJ
ajbmeb-3047	33	13	:	:	PUNCT
ajbmeb-3047	33	14	compare	compare	VERB
ajbmeb-3047	33	15	the	the	DET
ajbmeb-3047	33	16	calculated	calculated	ADJ
ajbmeb-3047	33	17	values	value	NOUN
ajbmeb-3047	33	18	with	with	ADP
ajbmeb-3047	33	19	the	the	DET
ajbmeb-3047	33	20	regulatory	regulatory	ADJ
ajbmeb-3047	33	21	requirements	requirement	NOUN
ajbmeb-3047	33	22	;	;	PUNCT
ajbmeb-3047	33	23	analyze	analyze	VERB
ajbmeb-3047	33	24	the	the	DET
ajbmeb-3047	33	25	dynamics	dynamic	NOUN
ajbmeb-3047	33	26	of	of	ADP
ajbmeb-3047	33	27	changes	change	NOUN
ajbmeb-3047	33	28	in	in	ADP
ajbmeb-3047	33	29	the	the	DET
ajbmeb-3047	33	30	ratio	ratio	NOUN
ajbmeb-3047	33	31	values	value	NOUN
ajbmeb-3047	33	32	over	over	ADP
ajbmeb-3047	33	33	time	time	NOUN
ajbmeb-3047	33	34	;	;	PUNCT
ajbmeb-3047	33	35	identify	identify	VERB
ajbmeb-3047	33	36	the	the	DET
ajbmeb-3047	33	37	factors	factor	NOUN
ajbmeb-3047	33	38	influencing	influence	VERB
ajbmeb-3047	33	39	these	these	DET
ajbmeb-3047	33	40	indicators	indicator	NOUN
ajbmeb-3047	33	41	.	.	PUNCT
ajbmeb-3047	34	1	commercial	commercial	ADJ
ajbmeb-3047	34	2	banks	bank	NOUN
ajbmeb-3047	34	3	are	be	AUX
ajbmeb-3047	34	4	required	require	VERB
ajbmeb-3047	34	5	to	to	PART
ajbmeb-3047	34	6	calculate	calculate	VERB
ajbmeb-3047	34	7	regulatory	regulatory	ADJ
ajbmeb-3047	34	8	ratios	ratio	NOUN
ajbmeb-3047	34	9	such	such	ADJ
ajbmeb-3047	34	10	as	as	ADP
ajbmeb-3047	34	11	liquidity	liquidity	NOUN
ajbmeb-3047	34	12	,	,	PUNCT
ajbmeb-3047	34	13	capital	capital	NOUN
ajbmeb-3047	34	14	adequacy	adequacy	NOUN
ajbmeb-3047	34	15	,	,	PUNCT
ajbmeb-3047	34	16	the	the	DET
ajbmeb-3047	34	17	maximum	maximum	ADJ
ajbmeb-3047	34	18	exposure	exposure	NOUN
ajbmeb-3047	34	19	to	to	ADP
ajbmeb-3047	34	20	large	large	ADJ
ajbmeb-3047	34	21	credit	credit	NOUN
ajbmeb-3047	34	22	risks	risk	NOUN
ajbmeb-3047	34	23	,	,	PUNCT
ajbmeb-3047	34	24	the	the	DET
ajbmeb-3047	34	25	maximum	maximum	ADJ
ajbmeb-3047	34	26	exposure	exposure	NOUN
ajbmeb-3047	34	27	to	to	ADP
ajbmeb-3047	34	28	a	a	DET
ajbmeb-3047	34	29	group	group	NOUN
ajbmeb-3047	34	30	of	of	ADP
ajbmeb-3047	34	31	related	related	ADJ
ajbmeb-3047	34	32	borrowers	borrower	NOUN
ajbmeb-3047	34	33	or	or	CCONJ
ajbmeb-3047	34	34	a	a	DET
ajbmeb-3047	34	35	single	single	ADJ
ajbmeb-3047	34	36	borrower	borrower	NOUN
ajbmeb-3047	34	37	,	,	PUNCT
ajbmeb-3047	34	38	the	the	DET
ajbmeb-3047	34	39	maximum	maximum	ADJ
ajbmeb-3047	34	40	amount	amount	NOUN
ajbmeb-3047	34	41	of	of	ADP
ajbmeb-3047	34	42	bank	bank	NOUN
ajbmeb-3047	34	43	guarantees	guarantee	NOUN
ajbmeb-3047	34	44	,	,	PUNCT
ajbmeb-3047	34	45	loans	loan	NOUN
ajbmeb-3047	34	46	issued	issue	VERB
ajbmeb-3047	34	47	by	by	ADP
ajbmeb-3047	34	48	the	the	DET
ajbmeb-3047	34	49	bank	bank	NOUN
ajbmeb-3047	34	50	to	to	ADP
ajbmeb-3047	34	51	its	its	PRON
ajbmeb-3047	34	52	own	own	ADJ
ajbmeb-3047	34	53	shareholders	shareholder	NOUN
ajbmeb-3047	34	54	,	,	PUNCT
ajbmeb-3047	34	55	and	and	CCONJ
ajbmeb-3047	34	56	the	the	DET
ajbmeb-3047	34	57	ratio	ratio	NOUN
ajbmeb-3047	34	58	regulating	regulate	VERB
ajbmeb-3047	34	59	the	the	DET
ajbmeb-3047	34	60	use	use	NOUN
ajbmeb-3047	34	61	of	of	ADP
ajbmeb-3047	34	62	a	a	DET
ajbmeb-3047	34	63	commercial	commercial	ADJ
ajbmeb-3047	34	64	bank	bank	NOUN
ajbmeb-3047	34	65	’s	’s	PART
ajbmeb-3047	34	66	capital	capital	NOUN
ajbmeb-3047	34	67	for	for	ADP
ajbmeb-3047	34	68	acquiring	acquire	VERB
ajbmeb-3047	34	69	shares	share	NOUN
ajbmeb-3047	34	70	in	in	ADP
ajbmeb-3047	34	71	other	other	ADJ
ajbmeb-3047	34	72	legal	legal	ADJ
ajbmeb-3047	34	73	entities	entity	NOUN
ajbmeb-3047	34	74	.	.	PUNCT
ajbmeb-3047	35	1	one	one	NUM
ajbmeb-3047	35	2	of	of	ADP
ajbmeb-3047	35	3	the	the	DET
ajbmeb-3047	35	4	key	key	ADJ
ajbmeb-3047	35	5	elements	element	NOUN
ajbmeb-3047	35	6	in	in	ADP
ajbmeb-3047	35	7	ensuring	ensure	VERB
ajbmeb-3047	35	8	the	the	DET
ajbmeb-3047	35	9	financial	financial	ADJ
ajbmeb-3047	35	10	stability	stability	NOUN
ajbmeb-3047	35	11	of	of	ADP
ajbmeb-3047	35	12	commercial	commercial	ADJ
ajbmeb-3047	35	13	banks	bank	NOUN
ajbmeb-3047	35	14	is	be	AUX
ajbmeb-3047	35	15	compliance	compliance	NOUN
ajbmeb-3047	35	16	with	with	ADP
ajbmeb-3047	35	17	mandatory	mandatory	ADJ
ajbmeb-3047	35	18	regulatory	regulatory	ADJ
ajbmeb-3047	35	19	ratios	ratio	NOUN
ajbmeb-3047	35	20	.	.	PUNCT
ajbmeb-3047	36	1	these	these	DET
ajbmeb-3047	36	2	ratios	ratio	NOUN
ajbmeb-3047	36	3	serve	serve	VERB
ajbmeb-3047	36	4	as	as	ADP
ajbmeb-3047	36	5	essential	essential	ADJ
ajbmeb-3047	36	6	tools	tool	NOUN
ajbmeb-3047	36	7	for	for	ADP
ajbmeb-3047	36	8	identifying	identify	VERB
ajbmeb-3047	36	9	and	and	CCONJ
ajbmeb-3047	36	10	mitigating	mitigate	VERB
ajbmeb-3047	36	11	potential	potential	ADJ
ajbmeb-3047	36	12	financial	financial	ADJ
ajbmeb-3047	36	13	and	and	CCONJ
ajbmeb-3047	36	14	liquidity	liquidity	NOUN
ajbmeb-3047	36	15	risks	risk	NOUN
ajbmeb-3047	36	16	inherent	inherent	ADJ
ajbmeb-3047	36	17	in	in	ADP
ajbmeb-3047	36	18	banking	banking	NOUN
ajbmeb-3047	36	19	activities	activity	NOUN
ajbmeb-3047	36	20	.	.	PUNCT
ajbmeb-3047	37	1	in	in	ADP
ajbmeb-3047	37	2	particular	particular	ADJ
ajbmeb-3047	37	3	,	,	PUNCT
ajbmeb-3047	37	4	capital	capital	NOUN
ajbmeb-3047	37	5	adequacy	adequacy	NOUN
ajbmeb-3047	37	6	and	and	CCONJ
ajbmeb-3047	37	7	liquidity	liquidity	NOUN
ajbmeb-3047	37	8	indicators	indicator	NOUN
ajbmeb-3047	37	9	are	be	AUX
ajbmeb-3047	37	10	fundamental	fundamental	ADJ
ajbmeb-3047	37	11	in	in	ADP
ajbmeb-3047	37	12	evaluating	evaluate	VERB
ajbmeb-3047	37	13	a	a	DET
ajbmeb-3047	37	14	bank	bank	NOUN
ajbmeb-3047	37	15	’s	’s	PART
ajbmeb-3047	37	16	solvency	solvency	NOUN
ajbmeb-3047	37	17	and	and	CCONJ
ajbmeb-3047	37	18	capacity	capacity	NOUN
ajbmeb-3047	37	19	to	to	PART
ajbmeb-3047	37	20	meet	meet	VERB
ajbmeb-3047	37	21	its	its	PRON
ajbmeb-3047	37	22	obligations	obligation	NOUN
ajbmeb-3047	37	23	.	.	PUNCT
ajbmeb-3047	38	1	american	american	ADJ
ajbmeb-3047	38	2	journal	journal	PROPN
ajbmeb-3047	38	3	of	of	ADP
ajbmeb-3047	38	4	business	business	NOUN
ajbmeb-3047	38	5	management	management	NOUN
ajbmeb-3047	38	6	,	,	PUNCT
ajbmeb-3047	38	7	economics	economic	NOUN
ajbmeb-3047	38	8	and	and	CCONJ
ajbmeb-3047	38	9	banking	banking	NOUN
ajbmeb-3047	38	10	volume	volume	NOUN
ajbmeb-3047	38	11	38	38	NUM
ajbmeb-3047	39	1	july2025	july2025	PROPN
ajbmeb-3047	39	2	p	p	NOUN
ajbmeb-3047	39	3	a	a	DET
ajbmeb-3047	39	4	g	g	NOUN
ajbmeb-3047	39	5	e	e	NOUN
ajbmeb-3047	39	6	|	|	ADV
ajbmeb-3047	39	7	8	8	NUM
ajbmeb-3047	39	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3047	39	9	capital	capital	NOUN
ajbmeb-3047	39	10	adequacy	adequacy	NOUN
ajbmeb-3047	39	11	ratio	ratio	NOUN
ajbmeb-3047	39	12	(	(	PUNCT
ajbmeb-3047	39	13	n1	n1	NOUN
ajbmeb-3047	39	14	)	)	PUNCT
ajbmeb-3047	39	15	the	the	DET
ajbmeb-3047	39	16	capital	capital	NOUN
ajbmeb-3047	39	17	adequacy	adequacy	NOUN
ajbmeb-3047	39	18	ratio	ratio	NOUN
ajbmeb-3047	39	19	is	be	AUX
ajbmeb-3047	39	20	designed	design	VERB
ajbmeb-3047	39	21	to	to	PART
ajbmeb-3047	39	22	ensure	ensure	VERB
ajbmeb-3047	39	23	that	that	SCONJ
ajbmeb-3047	39	24	a	a	DET
ajbmeb-3047	39	25	bank	bank	NOUN
ajbmeb-3047	39	26	maintains	maintain	VERB
ajbmeb-3047	39	27	sufficient	sufficient	ADJ
ajbmeb-3047	39	28	own	own	ADJ
ajbmeb-3047	39	29	funds	fund	NOUN
ajbmeb-3047	39	30	to	to	PART
ajbmeb-3047	39	31	cover	cover	VERB
ajbmeb-3047	39	32	various	various	ADJ
ajbmeb-3047	39	33	types	type	NOUN
ajbmeb-3047	39	34	of	of	ADP
ajbmeb-3047	39	35	financial	financial	ADJ
ajbmeb-3047	39	36	risks	risk	NOUN
ajbmeb-3047	39	37	.	.	PUNCT
ajbmeb-3047	40	1	it	it	PRON
ajbmeb-3047	40	2	determines	determine	VERB
ajbmeb-3047	40	3	the	the	DET
ajbmeb-3047	40	4	minimum	minimum	ADJ
ajbmeb-3047	40	5	required	require	VERB
ajbmeb-3047	40	6	level	level	NOUN
ajbmeb-3047	40	7	of	of	ADP
ajbmeb-3047	40	8	a	a	DET
ajbmeb-3047	40	9	bank	bank	NOUN
ajbmeb-3047	40	10	’s	’s	PART
ajbmeb-3047	40	11	capital	capital	NOUN
ajbmeb-3047	40	12	in	in	ADP
ajbmeb-3047	40	13	relation	relation	NOUN
ajbmeb-3047	40	14	to	to	ADP
ajbmeb-3047	40	15	its	its	PRON
ajbmeb-3047	40	16	risk	risk	NOUN
ajbmeb-3047	40	17	-	-	PUNCT
ajbmeb-3047	40	18	weighted	weight	VERB
ajbmeb-3047	40	19	assets	asset	NOUN
ajbmeb-3047	40	20	.	.	PUNCT
ajbmeb-3047	41	1	a	a	DET
ajbmeb-3047	41	2	sufficiently	sufficiently	ADV
ajbmeb-3047	41	3	high	high	ADJ
ajbmeb-3047	41	4	level	level	NOUN
ajbmeb-3047	41	5	of	of	ADP
ajbmeb-3047	41	6	this	this	DET
ajbmeb-3047	41	7	ratio	ratio	NOUN
ajbmeb-3047	41	8	reflects	reflect	VERB
ajbmeb-3047	41	9	the	the	DET
ajbmeb-3047	41	10	bank	bank	NOUN
ajbmeb-3047	41	11	’s	’s	PART
ajbmeb-3047	41	12	ability	ability	NOUN
ajbmeb-3047	41	13	to	to	PART
ajbmeb-3047	41	14	absorb	absorb	VERB
ajbmeb-3047	41	15	losses	loss	NOUN
ajbmeb-3047	41	16	and	and	CCONJ
ajbmeb-3047	41	17	reduces	reduce	VERB
ajbmeb-3047	41	18	the	the	DET
ajbmeb-3047	41	19	likelihood	likelihood	NOUN
ajbmeb-3047	41	20	of	of	ADP
ajbmeb-3047	41	21	insolvency	insolvency	NOUN
ajbmeb-3047	41	22	,	,	PUNCT
ajbmeb-3047	41	23	thereby	thereby	ADV
ajbmeb-3047	41	24	enhancing	enhance	VERB
ajbmeb-3047	41	25	its	its	PRON
ajbmeb-3047	41	26	financial	financial	ADJ
ajbmeb-3047	41	27	stability	stability	NOUN
ajbmeb-3047	41	28	.	.	PUNCT
ajbmeb-3047	42	1	liquidity	liquidity	NOUN
ajbmeb-3047	42	2	ratios	ratio	NOUN
ajbmeb-3047	42	3	to	to	PART
ajbmeb-3047	42	4	assess	assess	VERB
ajbmeb-3047	42	5	liquidity	liquidity	NOUN
ajbmeb-3047	42	6	risk	risk	NOUN
ajbmeb-3047	42	7	,	,	PUNCT
ajbmeb-3047	42	8	commercial	commercial	ADJ
ajbmeb-3047	42	9	banks	bank	NOUN
ajbmeb-3047	42	10	are	be	AUX
ajbmeb-3047	42	11	required	require	VERB
ajbmeb-3047	42	12	to	to	PART
ajbmeb-3047	42	13	calculate	calculate	VERB
ajbmeb-3047	42	14	several	several	ADJ
ajbmeb-3047	42	15	ratios	ratio	NOUN
ajbmeb-3047	42	16	that	that	PRON
ajbmeb-3047	42	17	indicate	indicate	VERB
ajbmeb-3047	42	18	how	how	SCONJ
ajbmeb-3047	42	19	quickly	quickly	ADV
ajbmeb-3047	42	20	and	and	CCONJ
ajbmeb-3047	42	21	efficiently	efficiently	ADV
ajbmeb-3047	42	22	a	a	DET
ajbmeb-3047	42	23	bank	bank	NOUN
ajbmeb-3047	42	24	can	can	AUX
ajbmeb-3047	42	25	fulfill	fulfill	VERB
ajbmeb-3047	42	26	its	its	PRON
ajbmeb-3047	42	27	obligations	obligation	NOUN
ajbmeb-3047	42	28	.	.	PUNCT
ajbmeb-3047	43	1	these	these	PRON
ajbmeb-3047	43	2	include	include	VERB
ajbmeb-3047	43	3	instant	instant	NOUN
ajbmeb-3047	43	4	(	(	PUNCT
ajbmeb-3047	43	5	n2	n2	NOUN
ajbmeb-3047	43	6	)	)	PUNCT
ajbmeb-3047	43	7	,	,	PUNCT
ajbmeb-3047	43	8	current	current	ADJ
ajbmeb-3047	43	9	(	(	PUNCT
ajbmeb-3047	43	10	n3	n3	NOUN
ajbmeb-3047	43	11	)	)	PUNCT
ajbmeb-3047	43	12	,	,	PUNCT
ajbmeb-3047	43	13	and	and	CCONJ
ajbmeb-3047	43	14	long	long	ADJ
ajbmeb-3047	43	15	-	-	PUNCT
ajbmeb-3047	43	16	term	term	NOUN
ajbmeb-3047	43	17	liquidity	liquidity	NOUN
ajbmeb-3047	43	18	ratios	ratio	NOUN
ajbmeb-3047	43	19	.	.	PUNCT
ajbmeb-3047	44	1	instant	instant	ADJ
ajbmeb-3047	44	2	liquidity	liquidity	NOUN
ajbmeb-3047	44	3	ratio	ratio	NOUN
ajbmeb-3047	44	4	(	(	PUNCT
ajbmeb-3047	44	5	n2	n2	NOUN
ajbmeb-3047	44	6	)	)	PUNCT
ajbmeb-3047	44	7	aims	aim	VERB
ajbmeb-3047	44	8	to	to	PART
ajbmeb-3047	44	9	reduce	reduce	VERB
ajbmeb-3047	44	10	the	the	DET
ajbmeb-3047	44	11	risk	risk	NOUN
ajbmeb-3047	44	12	of	of	ADP
ajbmeb-3047	44	13	liquidity	liquidity	NOUN
ajbmeb-3047	44	14	shortfall	shortfall	NOUN
ajbmeb-3047	44	15	within	within	ADP
ajbmeb-3047	44	16	a	a	DET
ajbmeb-3047	44	17	single	single	ADJ
ajbmeb-3047	44	18	operational	operational	ADJ
ajbmeb-3047	44	19	day	day	NOUN
ajbmeb-3047	44	20	.	.	PUNCT
ajbmeb-3047	45	1	it	it	PRON
ajbmeb-3047	45	2	is	be	AUX
ajbmeb-3047	45	3	calculated	calculate	VERB
ajbmeb-3047	45	4	as	as	ADP
ajbmeb-3047	45	5	the	the	DET
ajbmeb-3047	45	6	ratio	ratio	NOUN
ajbmeb-3047	45	7	of	of	ADP
ajbmeb-3047	45	8	highly	highly	ADV
ajbmeb-3047	45	9	liquid	liquid	ADJ
ajbmeb-3047	45	10	assets	asset	NOUN
ajbmeb-3047	45	11	to	to	ADP
ajbmeb-3047	45	12	the	the	DET
ajbmeb-3047	45	13	bank	bank	NOUN
ajbmeb-3047	45	14	’s	’s	PART
ajbmeb-3047	45	15	demand	demand	NOUN
ajbmeb-3047	45	16	liabilities	liability	NOUN
ajbmeb-3047	45	17	,	,	PUNCT
ajbmeb-3047	45	18	reduced	reduce	VERB
ajbmeb-3047	45	19	by	by	ADP
ajbmeb-3047	45	20	0,5	0,5	NUM
ajbmeb-3047	45	21	times	time	NOUN
ajbmeb-3047	45	22	the	the	DET
ajbmeb-3047	45	23	minimum	minimum	ADJ
ajbmeb-3047	45	24	total	total	ADJ
ajbmeb-3047	45	25	balance	balance	NOUN
ajbmeb-3047	45	26	of	of	ADP
ajbmeb-3047	45	27	demand	demand	NOUN
ajbmeb-3047	45	28	deposit	deposit	NOUN
ajbmeb-3047	45	29	accounts	account	NOUN
ajbmeb-3047	45	30	.	.	PUNCT
ajbmeb-3047	46	1	the	the	DET
ajbmeb-3047	46	2	minimum	minimum	ADJ
ajbmeb-3047	46	3	regulatory	regulatory	ADJ
ajbmeb-3047	46	4	threshold	threshold	NOUN
ajbmeb-3047	46	5	for	for	ADP
ajbmeb-3047	46	6	the	the	DET
ajbmeb-3047	46	7	n2	n2	ADJ
ajbmeb-3047	46	8	ratio	ratio	NOUN
ajbmeb-3047	46	9	is	be	AUX
ajbmeb-3047	46	10	set	set	VERB
ajbmeb-3047	46	11	at	at	ADP
ajbmeb-3047	46	12	15	15	NUM
ajbmeb-3047	46	13	%	%	NOUN
ajbmeb-3047	46	14	.	.	PUNCT
ajbmeb-3047	47	1	current	current	ADJ
ajbmeb-3047	47	2	liquidity	liquidity	NOUN
ajbmeb-3047	47	3	ratio	ratio	NOUN
ajbmeb-3047	47	4	(	(	PUNCT
ajbmeb-3047	47	5	n3	n3	NOUN
ajbmeb-3047	47	6	)	)	PUNCT
ajbmeb-3047	47	7	measures	measure	VERB
ajbmeb-3047	47	8	the	the	DET
ajbmeb-3047	47	9	risk	risk	NOUN
ajbmeb-3047	47	10	of	of	ADP
ajbmeb-3047	47	11	liquidity	liquidity	NOUN
ajbmeb-3047	47	12	loss	loss	NOUN
ajbmeb-3047	47	13	over	over	ADP
ajbmeb-3047	47	14	a	a	DET
ajbmeb-3047	47	15	30	30	NUM
ajbmeb-3047	47	16	-	-	PUNCT
ajbmeb-3047	47	17	day	day	NOUN
ajbmeb-3047	47	18	calendar	calendar	NOUN
ajbmeb-3047	47	19	period	period	NOUN
ajbmeb-3047	47	20	from	from	ADP
ajbmeb-3047	47	21	the	the	DET
ajbmeb-3047	47	22	date	date	NOUN
ajbmeb-3047	47	23	of	of	ADP
ajbmeb-3047	47	24	calculation	calculation	NOUN
ajbmeb-3047	47	25	.	.	PUNCT
ajbmeb-3047	48	1	this	this	DET
ajbmeb-3047	48	2	ratio	ratio	NOUN
ajbmeb-3047	48	3	is	be	AUX
ajbmeb-3047	48	4	computed	compute	VERB
ajbmeb-3047	48	5	by	by	ADP
ajbmeb-3047	48	6	dividing	divide	VERB
ajbmeb-3047	48	7	liquid	liquid	ADJ
ajbmeb-3047	48	8	assets	asset	NOUN
ajbmeb-3047	48	9	by	by	ADP
ajbmeb-3047	48	10	demand	demand	NOUN
ajbmeb-3047	48	11	liabilities	liability	NOUN
ajbmeb-3047	48	12	,	,	PUNCT
ajbmeb-3047	48	13	adjusted	adjust	VERB
ajbmeb-3047	48	14	in	in	ADP
ajbmeb-3047	48	15	the	the	DET
ajbmeb-3047	48	16	same	same	ADJ
ajbmeb-3047	48	17	manner	manner	NOUN
ajbmeb-3047	48	18	as	as	ADP
ajbmeb-3047	48	19	n2	n2	ADJ
ajbmeb-3047	48	20	.	.	PUNCT
ajbmeb-3047	49	1	the	the	DET
ajbmeb-3047	49	2	minimum	minimum	ADJ
ajbmeb-3047	49	3	required	require	VERB
ajbmeb-3047	49	4	value	value	NOUN
ajbmeb-3047	49	5	for	for	ADP
ajbmeb-3047	49	6	the	the	DET
ajbmeb-3047	49	7	n3	n3	PROPN
ajbmeb-3047	49	8	ratio	ratio	NOUN
ajbmeb-3047	49	9	is	be	AUX
ajbmeb-3047	49	10	50	50	NUM
ajbmeb-3047	49	11	%	%	NOUN
ajbmeb-3047	49	12	.	.	PUNCT
ajbmeb-3047	50	1	the	the	DET
ajbmeb-3047	50	2	long	long	ADJ
ajbmeb-3047	50	3	-	-	PUNCT
ajbmeb-3047	50	4	term	term	NOUN
ajbmeb-3047	50	5	liquidity	liquidity	NOUN
ajbmeb-3047	50	6	ratio	ratio	NOUN
ajbmeb-3047	50	7	(	(	PUNCT
ajbmeb-3047	50	8	n4	n4	PROPN
ajbmeb-3047	50	9	)	)	PUNCT
ajbmeb-3047	50	10	is	be	AUX
ajbmeb-3047	50	11	designed	design	VERB
ajbmeb-3047	50	12	to	to	PART
ajbmeb-3047	50	13	limit	limit	VERB
ajbmeb-3047	50	14	the	the	DET
ajbmeb-3047	50	15	risks	risk	NOUN
ajbmeb-3047	50	16	associated	associate	VERB
ajbmeb-3047	50	17	with	with	ADP
ajbmeb-3047	50	18	the	the	DET
ajbmeb-3047	50	19	allocation	allocation	NOUN
ajbmeb-3047	50	20	of	of	ADP
ajbmeb-3047	50	21	funds	fund	NOUN
ajbmeb-3047	50	22	into	into	ADP
ajbmeb-3047	50	23	long	long	ADJ
ajbmeb-3047	50	24	-	-	PUNCT
ajbmeb-3047	50	25	term	term	NOUN
ajbmeb-3047	50	26	assets	asset	NOUN
ajbmeb-3047	50	27	.	.	PUNCT
ajbmeb-3047	51	1	this	this	DET
ajbmeb-3047	51	2	ratio	ratio	NOUN
ajbmeb-3047	51	3	defines	define	VERB
ajbmeb-3047	51	4	the	the	DET
ajbmeb-3047	51	5	maximum	maximum	ADJ
ajbmeb-3047	51	6	allowable	allowable	ADJ
ajbmeb-3047	51	7	proportion	proportion	NOUN
ajbmeb-3047	51	8	of	of	ADP
ajbmeb-3047	51	9	a	a	DET
ajbmeb-3047	51	10	commercial	commercial	ADJ
ajbmeb-3047	51	11	bank	bank	NOUN
ajbmeb-3047	51	12	’s	’s	PART
ajbmeb-3047	51	13	credit	credit	NOUN
ajbmeb-3047	51	14	claims	claim	NOUN
ajbmeb-3047	51	15	with	with	ADP
ajbmeb-3047	51	16	a	a	DET
ajbmeb-3047	51	17	maturity	maturity	NOUN
ajbmeb-3047	51	18	exceeding	exceed	VERB
ajbmeb-3047	51	19	365	365	NUM
ajbmeb-3047	51	20	(	(	PUNCT
ajbmeb-3047	51	21	or	or	CCONJ
ajbmeb-3047	51	22	366	366	NUM
ajbmeb-3047	51	23	)	)	PUNCT
ajbmeb-3047	51	24	calendar	calendar	NOUN
ajbmeb-3047	51	25	days	day	NOUN
ajbmeb-3047	51	26	relative	relative	ADJ
ajbmeb-3047	51	27	to	to	ADP
ajbmeb-3047	51	28	the	the	DET
ajbmeb-3047	51	29	bank	bank	NOUN
ajbmeb-3047	51	30	’s	’s	PART
ajbmeb-3047	51	31	own	own	ADJ
ajbmeb-3047	51	32	funds	fund	NOUN
ajbmeb-3047	51	33	and	and	CCONJ
ajbmeb-3047	51	34	liabilities	liability	NOUN
ajbmeb-3047	51	35	that	that	PRON
ajbmeb-3047	51	36	also	also	ADV
ajbmeb-3047	51	37	mature	mature	VERB
ajbmeb-3047	51	38	in	in	ADP
ajbmeb-3047	51	39	more	more	ADJ
ajbmeb-3047	51	40	than	than	ADP
ajbmeb-3047	51	41	365	365	NUM
ajbmeb-3047	51	42	(	(	PUNCT
ajbmeb-3047	51	43	or	or	CCONJ
ajbmeb-3047	51	44	366	366	NUM
ajbmeb-3047	51	45	)	)	PUNCT
ajbmeb-3047	51	46	days	day	NOUN
ajbmeb-3047	51	47	.	.	PUNCT
ajbmeb-3047	52	1	this	this	DET
ajbmeb-3047	52	2	ratio	ratio	NOUN
ajbmeb-3047	52	3	is	be	AUX
ajbmeb-3047	52	4	adjusted	adjust	VERB
ajbmeb-3047	52	5	for	for	ADP
ajbmeb-3047	52	6	the	the	DET
ajbmeb-3047	52	7	minimum	minimum	ADJ
ajbmeb-3047	52	8	residual	residual	ADJ
ajbmeb-3047	52	9	balances	balance	NOUN
ajbmeb-3047	52	10	on	on	ADP
ajbmeb-3047	52	11	accounts	account	NOUN
ajbmeb-3047	52	12	with	with	ADP
ajbmeb-3047	52	13	liabilities	liability	NOUN
ajbmeb-3047	52	14	due	due	ADJ
ajbmeb-3047	52	15	within	within	ADP
ajbmeb-3047	52	16	365	365	NUM
ajbmeb-3047	52	17	days	day	NOUN
ajbmeb-3047	52	18	,	,	PUNCT
ajbmeb-3047	52	19	as	as	ADV
ajbmeb-3047	52	20	well	well	ADV
ajbmeb-3047	52	21	as	as	ADP
ajbmeb-3047	52	22	demand	demand	NOUN
ajbmeb-3047	52	23	accounts	account	NOUN
ajbmeb-3047	52	24	of	of	ADP
ajbmeb-3047	52	25	both	both	CCONJ
ajbmeb-3047	52	26	legal	legal	ADJ
ajbmeb-3047	52	27	entities	entity	NOUN
ajbmeb-3047	52	28	and	and	CCONJ
ajbmeb-3047	52	29	individuals	individual	NOUN
ajbmeb-3047	52	30	.	.	PUNCT
ajbmeb-3047	53	1	the	the	DET
ajbmeb-3047	53	2	maximum	maximum	ADJ
ajbmeb-3047	53	3	permitted	permit	VERB
ajbmeb-3047	53	4	value	value	NOUN
ajbmeb-3047	53	5	for	for	ADP
ajbmeb-3047	53	6	the	the	DET
ajbmeb-3047	53	7	n4	n4	PROPN
ajbmeb-3047	53	8	ratio	ratio	NOUN
ajbmeb-3047	53	9	is	be	AUX
ajbmeb-3047	53	10	120	120	NUM
ajbmeb-3047	53	11	%	%	NOUN
ajbmeb-3047	53	12	.	.	PUNCT
ajbmeb-3047	54	1	the	the	DET
ajbmeb-3047	54	2	maximum	maximum	ADJ
ajbmeb-3047	54	3	credit	credit	NOUN
ajbmeb-3047	54	4	exposure	exposure	NOUN
ajbmeb-3047	54	5	per	per	ADP
ajbmeb-3047	54	6	borrower	borrower	NOUN
ajbmeb-3047	54	7	or	or	CCONJ
ajbmeb-3047	54	8	group	group	NOUN
ajbmeb-3047	54	9	of	of	ADP
ajbmeb-3047	54	10	related	related	ADJ
ajbmeb-3047	54	11	borrowers	borrower	NOUN
ajbmeb-3047	54	12	(	(	PUNCT
ajbmeb-3047	54	13	n6	n6	NOUN
ajbmeb-3047	54	14	)	)	PUNCT
ajbmeb-3047	54	15	limits	limit	VERB
ajbmeb-3047	54	16	the	the	DET
ajbmeb-3047	54	17	concentration	concentration	NOUN
ajbmeb-3047	54	18	risk	risk	NOUN
ajbmeb-3047	54	19	associated	associate	VERB
ajbmeb-3047	54	20	with	with	ADP
ajbmeb-3047	54	21	lending	lend	VERB
ajbmeb-3047	54	22	to	to	ADP
ajbmeb-3047	54	23	a	a	DET
ajbmeb-3047	54	24	single	single	ADJ
ajbmeb-3047	54	25	borrower	borrower	NOUN
ajbmeb-3047	54	26	or	or	CCONJ
ajbmeb-3047	54	27	a	a	DET
ajbmeb-3047	54	28	group	group	NOUN
ajbmeb-3047	54	29	of	of	ADP
ajbmeb-3047	54	30	economically	economically	ADV
ajbmeb-3047	54	31	related	relate	VERB
ajbmeb-3047	54	32	borrowers	borrower	NOUN
ajbmeb-3047	54	33	.	.	PUNCT
ajbmeb-3047	55	1	it	it	PRON
ajbmeb-3047	55	2	is	be	AUX
ajbmeb-3047	55	3	calculated	calculate	VERB
ajbmeb-3047	55	4	as	as	ADP
ajbmeb-3047	55	5	the	the	DET
ajbmeb-3047	55	6	ratio	ratio	NOUN
ajbmeb-3047	55	7	of	of	ADP
ajbmeb-3047	55	8	the	the	DET
ajbmeb-3047	55	9	total	total	ADJ
ajbmeb-3047	55	10	credit	credit	NOUN
ajbmeb-3047	55	11	claims	claim	NOUN
ajbmeb-3047	55	12	of	of	ADP
ajbmeb-3047	55	13	the	the	DET
ajbmeb-3047	55	14	bank	bank	NOUN
ajbmeb-3047	55	15	against	against	ADP
ajbmeb-3047	55	16	a	a	DET
ajbmeb-3047	55	17	borrower	borrower	NOUN
ajbmeb-3047	55	18	to	to	ADP
ajbmeb-3047	55	19	the	the	DET
ajbmeb-3047	55	20	bank	bank	NOUN
ajbmeb-3047	55	21	’s	’s	PART
ajbmeb-3047	55	22	capital	capital	NOUN
ajbmeb-3047	55	23	.	.	PUNCT
ajbmeb-3047	56	1	the	the	DET
ajbmeb-3047	56	2	maximum	maximum	ADJ
ajbmeb-3047	56	3	allowed	allow	VERB
ajbmeb-3047	56	4	value	value	NOUN
ajbmeb-3047	56	5	for	for	ADP
ajbmeb-3047	56	6	the	the	DET
ajbmeb-3047	56	7	n6	n6	PROPN
ajbmeb-3047	56	8	ratio	ratio	NOUN
ajbmeb-3047	56	9	is	be	AUX
ajbmeb-3047	56	10	25	25	NUM
ajbmeb-3047	56	11	%	%	NOUN
ajbmeb-3047	56	12	.	.	PUNCT
ajbmeb-3047	57	1	the	the	DET
ajbmeb-3047	57	2	large	large	ADJ
ajbmeb-3047	57	3	credit	credit	NOUN
ajbmeb-3047	57	4	exposure	exposure	NOUN
ajbmeb-3047	57	5	ratio	ratio	NOUN
ajbmeb-3047	57	6	(	(	PUNCT
ajbmeb-3047	57	7	n7	n7	PROPN
ajbmeb-3047	57	8	)	)	PUNCT
ajbmeb-3047	57	9	imposes	impose	VERB
ajbmeb-3047	57	10	a	a	DET
ajbmeb-3047	57	11	limit	limit	NOUN
ajbmeb-3047	57	12	on	on	ADP
ajbmeb-3047	57	13	the	the	DET
ajbmeb-3047	57	14	aggregate	aggregate	ADJ
ajbmeb-3047	57	15	volume	volume	NOUN
ajbmeb-3047	57	16	of	of	ADP
ajbmeb-3047	57	17	large	large	ADJ
ajbmeb-3047	57	18	credit	credit	NOUN
ajbmeb-3047	57	19	risks	risk	NOUN
ajbmeb-3047	57	20	within	within	ADP
ajbmeb-3047	57	21	the	the	DET
ajbmeb-3047	57	22	bank	bank	NOUN
ajbmeb-3047	57	23	’s	’s	PART
ajbmeb-3047	57	24	portfolio	portfolio	NOUN
ajbmeb-3047	57	25	.	.	PUNCT
ajbmeb-3047	58	1	it	it	PRON
ajbmeb-3047	58	2	is	be	AUX
ajbmeb-3047	58	3	computed	compute	VERB
ajbmeb-3047	58	4	as	as	ADP
ajbmeb-3047	58	5	the	the	DET
ajbmeb-3047	58	6	ratio	ratio	NOUN
ajbmeb-3047	58	7	of	of	ADP
ajbmeb-3047	58	8	the	the	DET
ajbmeb-3047	58	9	total	total	ADJ
ajbmeb-3047	58	10	amount	amount	NOUN
ajbmeb-3047	58	11	of	of	ADP
ajbmeb-3047	58	12	large	large	ADJ
ajbmeb-3047	58	13	credit	credit	NOUN
ajbmeb-3047	58	14	exposures	exposure	NOUN
ajbmeb-3047	58	15	to	to	ADP
ajbmeb-3047	58	16	the	the	DET
ajbmeb-3047	58	17	bank	bank	NOUN
ajbmeb-3047	58	18	’s	’s	PART
ajbmeb-3047	58	19	own	own	ADJ
ajbmeb-3047	58	20	capital	capital	NOUN
ajbmeb-3047	58	21	.	.	PUNCT
ajbmeb-3047	59	1	the	the	DET
ajbmeb-3047	59	2	maximum	maximum	ADV
ajbmeb-3047	59	3	allowed	allow	VERB
ajbmeb-3047	59	4	level	level	NOUN
ajbmeb-3047	59	5	of	of	ADP
ajbmeb-3047	59	6	the	the	DET
ajbmeb-3047	59	7	n7	n7	PROPN
ajbmeb-3047	59	8	ratio	ratio	NOUN
ajbmeb-3047	59	9	is	be	AUX
ajbmeb-3047	59	10	800	800	NUM
ajbmeb-3047	59	11	%	%	NOUN
ajbmeb-3047	59	12	.	.	PUNCT
ajbmeb-3047	60	1	the	the	DET
ajbmeb-3047	60	2	maximum	maximum	ADJ
ajbmeb-3047	60	3	credit	credit	NOUN
ajbmeb-3047	60	4	exposure	exposure	NOUN
ajbmeb-3047	60	5	to	to	ADP
ajbmeb-3047	60	6	bank	bank	NOUN
ajbmeb-3047	60	7	shareholders	shareholder	NOUN
ajbmeb-3047	60	8	(	(	PUNCT
ajbmeb-3047	60	9	n9.1	n9.1	PROPN
ajbmeb-3047	60	10	)	)	PUNCT
ajbmeb-3047	60	11	and	and	CCONJ
ajbmeb-3047	60	12	the	the	DET
ajbmeb-3047	60	13	aggregate	aggregate	ADJ
ajbmeb-3047	60	14	insider	insider	NOUN
ajbmeb-3047	60	15	exposure	exposure	NOUN
ajbmeb-3047	60	16	ratio	ratio	NOUN
ajbmeb-3047	60	17	(	(	PUNCT
ajbmeb-3047	60	18	n10.1	n10.1	PROPN
ajbmeb-3047	60	19	)	)	PUNCT
ajbmeb-3047	60	20	are	be	AUX
ajbmeb-3047	60	21	aimed	aim	VERB
ajbmeb-3047	60	22	at	at	ADP
ajbmeb-3047	60	23	limiting	limit	VERB
ajbmeb-3047	60	24	the	the	DET
ajbmeb-3047	60	25	provision	provision	NOUN
ajbmeb-3047	60	26	of	of	ADP
ajbmeb-3047	60	27	loans	loan	NOUN
ajbmeb-3047	60	28	,	,	PUNCT
ajbmeb-3047	60	29	guarantees	guarantee	NOUN
ajbmeb-3047	60	30	,	,	PUNCT
ajbmeb-3047	60	31	and	and	CCONJ
ajbmeb-3047	60	32	sureties	surety	NOUN
ajbmeb-3047	60	33	to	to	ADP
ajbmeb-3047	60	34	shareholders	shareholder	NOUN
ajbmeb-3047	60	35	and	and	CCONJ
ajbmeb-3047	60	36	insiders	insider	NOUN
ajbmeb-3047	60	37	of	of	ADP
ajbmeb-3047	60	38	the	the	DET
ajbmeb-3047	60	39	bank	bank	NOUN
ajbmeb-3047	60	40	.	.	PUNCT
ajbmeb-3047	61	1	these	these	DET
ajbmeb-3047	61	2	ratios	ratio	NOUN
ajbmeb-3047	61	3	are	be	AUX
ajbmeb-3047	61	4	calculated	calculate	VERB
ajbmeb-3047	61	5	relative	relative	ADJ
ajbmeb-3047	61	6	to	to	ADP
ajbmeb-3047	61	7	the	the	DET
ajbmeb-3047	61	8	bank	bank	NOUN
ajbmeb-3047	61	9	’s	’s	PART
ajbmeb-3047	61	10	own	own	ADJ
ajbmeb-3047	61	11	capital	capital	NOUN
ajbmeb-3047	61	12	and	and	CCONJ
ajbmeb-3047	61	13	are	be	AUX
ajbmeb-3047	61	14	intended	intend	VERB
ajbmeb-3047	61	15	to	to	PART
ajbmeb-3047	61	16	mitigate	mitigate	VERB
ajbmeb-3047	61	17	the	the	DET
ajbmeb-3047	61	18	credit	credit	NOUN
ajbmeb-3047	61	19	risk	risk	NOUN
ajbmeb-3047	61	20	stemming	stem	VERB
ajbmeb-3047	61	21	from	from	ADP
ajbmeb-3047	61	22	related	relate	VERB
ajbmeb-3047	61	23	-	-	PUNCT
ajbmeb-3047	61	24	party	party	NOUN
ajbmeb-3047	61	25	transactions	transaction	NOUN
ajbmeb-3047	61	26	.	.	PUNCT
ajbmeb-3047	62	1	the	the	DET
ajbmeb-3047	62	2	maximum	maximum	ADJ
ajbmeb-3047	62	3	thresholds	threshold	NOUN
ajbmeb-3047	62	4	are	be	AUX
ajbmeb-3047	62	5	50	50	NUM
ajbmeb-3047	62	6	%	%	NOUN
ajbmeb-3047	62	7	for	for	ADP
ajbmeb-3047	62	8	n9.1	n9.1	PROPN
ajbmeb-3047	62	9	and	and	CCONJ
ajbmeb-3047	62	10	3	3	NUM
ajbmeb-3047	62	11	%	%	NOUN
ajbmeb-3047	62	12	for	for	ADP
ajbmeb-3047	62	13	n10.1	n10.1	PROPN
ajbmeb-3047	62	14	.	.	PUNCT
ajbmeb-3047	63	1	the	the	DET
ajbmeb-3047	63	2	investment	investment	NOUN
ajbmeb-3047	63	3	limit	limit	NOUN
ajbmeb-3047	63	4	ratio	ratio	NOUN
ajbmeb-3047	63	5	(	(	PUNCT
ajbmeb-3047	63	6	n12	n12	PROPN
ajbmeb-3047	63	7	)	)	PUNCT
ajbmeb-3047	63	8	governs	govern	VERB
ajbmeb-3047	63	9	the	the	DET
ajbmeb-3047	63	10	use	use	NOUN
ajbmeb-3047	63	11	of	of	ADP
ajbmeb-3047	63	12	a	a	DET
ajbmeb-3047	63	13	bank	bank	NOUN
ajbmeb-3047	63	14	's	's	PART
ajbmeb-3047	63	15	capital	capital	NOUN
ajbmeb-3047	63	16	for	for	ADP
ajbmeb-3047	63	17	acquiring	acquire	VERB
ajbmeb-3047	63	18	equity	equity	NOUN
ajbmeb-3047	63	19	stakes	stake	NOUN
ajbmeb-3047	63	20	in	in	ADP
ajbmeb-3047	63	21	other	other	ADJ
ajbmeb-3047	63	22	legal	legal	ADJ
ajbmeb-3047	63	23	entities	entity	NOUN
ajbmeb-3047	63	24	.	.	PUNCT
ajbmeb-3047	64	1	this	this	DET
ajbmeb-3047	64	2	ratio	ratio	NOUN
ajbmeb-3047	64	3	helps	help	VERB
ajbmeb-3047	64	4	reduce	reduce	VERB
ajbmeb-3047	64	5	the	the	DET
ajbmeb-3047	64	6	overall	overall	ADJ
ajbmeb-3047	64	7	investment	investment	NOUN
ajbmeb-3047	64	8	risk	risk	NOUN
ajbmeb-3047	64	9	of	of	ADP
ajbmeb-3047	64	10	the	the	DET
ajbmeb-3047	64	11	bank	bank	NOUN
ajbmeb-3047	64	12	by	by	ADP
ajbmeb-3047	64	13	capping	cap	VERB
ajbmeb-3047	64	14	the	the	DET
ajbmeb-3047	64	15	share	share	NOUN
ajbmeb-3047	64	16	of	of	ADP
ajbmeb-3047	64	17	the	the	DET
ajbmeb-3047	64	18	bank	bank	NOUN
ajbmeb-3047	64	19	's	's	PART
ajbmeb-3047	64	20	capital	capital	NOUN
ajbmeb-3047	64	21	allocated	allocate	VERB
ajbmeb-3047	64	22	to	to	ADP
ajbmeb-3047	64	23	such	such	ADJ
ajbmeb-3047	64	24	investments	investment	NOUN
ajbmeb-3047	64	25	.	.	PUNCT
ajbmeb-3047	65	1	the	the	DET
ajbmeb-3047	65	2	permissible	permissible	ADJ
ajbmeb-3047	65	3	maximum	maximum	ADJ
ajbmeb-3047	65	4	value	value	NOUN
ajbmeb-3047	65	5	of	of	ADP
ajbmeb-3047	65	6	the	the	DET
ajbmeb-3047	65	7	n12	n12	PROPN
ajbmeb-3047	65	8	ratio	ratio	NOUN
ajbmeb-3047	65	9	is	be	AUX
ajbmeb-3047	65	10	25	25	NUM
ajbmeb-3047	65	11	%	%	NOUN
ajbmeb-3047	65	12	.	.	PUNCT
ajbmeb-3047	66	1	to	to	PART
ajbmeb-3047	66	2	assess	assess	VERB
ajbmeb-3047	66	3	the	the	DET
ajbmeb-3047	66	4	financial	financial	ADJ
ajbmeb-3047	66	5	soundness	soundness	NOUN
ajbmeb-3047	66	6	of	of	ADP
ajbmeb-3047	66	7	commercial	commercial	ADJ
ajbmeb-3047	66	8	banks	bank	NOUN
ajbmeb-3047	66	9	,	,	PUNCT
ajbmeb-3047	66	10	the	the	DET
ajbmeb-3047	66	11	camels	camel	NOUN
ajbmeb-3047	66	12	rating	rating	NOUN
ajbmeb-3047	66	13	system	system	NOUN
ajbmeb-3047	66	14	remains	remain	VERB
ajbmeb-3047	66	15	one	one	NUM
ajbmeb-3047	66	16	of	of	ADP
ajbmeb-3047	66	17	the	the	DET
ajbmeb-3047	66	18	most	most	ADV
ajbmeb-3047	66	19	widely	widely	ADV
ajbmeb-3047	66	20	used	use	VERB
ajbmeb-3047	66	21	and	and	CCONJ
ajbmeb-3047	66	22	effective	effective	ADJ
ajbmeb-3047	66	23	supervisory	supervisory	ADJ
ajbmeb-3047	66	24	tools	tool	NOUN
ajbmeb-3047	66	25	.	.	PUNCT
ajbmeb-3047	67	1	this	this	DET
ajbmeb-3047	67	2	system	system	NOUN
ajbmeb-3047	67	3	,	,	PUNCT
ajbmeb-3047	67	4	originally	originally	ADV
ajbmeb-3047	67	5	developed	develop	VERB
ajbmeb-3047	67	6	in	in	ADP
ajbmeb-3047	67	7	the	the	DET
ajbmeb-3047	67	8	united	united	PROPN
ajbmeb-3047	67	9	states	states	PROPN
ajbmeb-3047	67	10	,	,	PUNCT
ajbmeb-3047	67	11	has	have	AUX
ajbmeb-3047	67	12	been	be	AUX
ajbmeb-3047	67	13	adopted	adopt	VERB
ajbmeb-3047	67	14	—	—	PUNCT
ajbmeb-3047	67	15	often	often	ADV
ajbmeb-3047	67	16	with	with	ADP
ajbmeb-3047	67	17	localized	localized	ADJ
ajbmeb-3047	67	18	modifications	modification	NOUN
ajbmeb-3047	67	19	—	—	PUNCT
ajbmeb-3047	67	20	by	by	ADP
ajbmeb-3047	67	21	regulatory	regulatory	ADJ
ajbmeb-3047	67	22	authorities	authority	NOUN
ajbmeb-3047	67	23	in	in	ADP
ajbmeb-3047	67	24	numerous	numerous	ADJ
ajbmeb-3047	67	25	countries	country	NOUN
ajbmeb-3047	67	26	as	as	ADP
ajbmeb-3047	67	27	a	a	DET
ajbmeb-3047	67	28	standard	standard	ADJ
ajbmeb-3047	67	29	method	method	NOUN
ajbmeb-3047	67	30	for	for	ADP
ajbmeb-3047	67	31	evaluating	evaluate	VERB
ajbmeb-3047	67	32	the	the	DET
ajbmeb-3047	67	33	stability	stability	NOUN
ajbmeb-3047	67	34	of	of	ADP
ajbmeb-3047	67	35	credit	credit	NOUN
ajbmeb-3047	67	36	institutions	institution	NOUN
ajbmeb-3047	67	37	.	.	PUNCT
ajbmeb-3047	68	1	each	each	DET
ajbmeb-3047	68	2	country	country	NOUN
ajbmeb-3047	68	3	adapts	adapt	VERB
ajbmeb-3047	68	4	american	american	ADJ
ajbmeb-3047	68	5	journal	journal	PROPN
ajbmeb-3047	68	6	of	of	ADP
ajbmeb-3047	68	7	business	business	NOUN
ajbmeb-3047	68	8	management	management	NOUN
ajbmeb-3047	68	9	,	,	PUNCT
ajbmeb-3047	68	10	economics	economic	NOUN
ajbmeb-3047	68	11	and	and	CCONJ
ajbmeb-3047	68	12	banking	banking	NOUN
ajbmeb-3047	68	13	volume	volume	NOUN
ajbmeb-3047	68	14	38	38	NUM
ajbmeb-3047	69	1	july2025	july2025	PROPN
ajbmeb-3047	69	2	p	p	NOUN
ajbmeb-3047	69	3	a	a	DET
ajbmeb-3047	69	4	g	g	NOUN
ajbmeb-3047	69	5	e	e	NOUN
ajbmeb-3047	69	6	|	|	ADV
ajbmeb-3047	69	7	9	9	NUM
ajbmeb-3047	69	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3047	70	1	the	the	DET
ajbmeb-3047	70	2	camels	camel	NOUN
ajbmeb-3047	70	3	methodology	methodology	VERB
ajbmeb-3047	70	4	to	to	PART
ajbmeb-3047	70	5	fit	fit	VERB
ajbmeb-3047	70	6	its	its	PRON
ajbmeb-3047	70	7	specific	specific	ADJ
ajbmeb-3047	70	8	regulatory	regulatory	ADJ
ajbmeb-3047	70	9	and	and	CCONJ
ajbmeb-3047	70	10	economic	economic	ADJ
ajbmeb-3047	70	11	environment	environment	NOUN
ajbmeb-3047	70	12	.	.	PUNCT
ajbmeb-3047	71	1	in	in	ADP
ajbmeb-3047	71	2	this	this	DET
ajbmeb-3047	71	3	regard	regard	NOUN
ajbmeb-3047	71	4	,	,	PUNCT
ajbmeb-3047	71	5	the	the	DET
ajbmeb-3047	71	6	russian	russian	ADJ
ajbmeb-3047	71	7	methodology	methodology	NOUN
ajbmeb-3047	71	8	for	for	ADP
ajbmeb-3047	71	9	assessing	assess	VERB
ajbmeb-3047	71	10	the	the	DET
ajbmeb-3047	71	11	financial	financial	ADJ
ajbmeb-3047	71	12	condition	condition	NOUN
ajbmeb-3047	71	13	of	of	ADP
ajbmeb-3047	71	14	credit	credit	NOUN
ajbmeb-3047	71	15	institutions	institution	NOUN
ajbmeb-3047	71	16	closely	closely	ADV
ajbmeb-3047	71	17	aligns	align	VERB
ajbmeb-3047	71	18	with	with	ADP
ajbmeb-3047	71	19	the	the	DET
ajbmeb-3047	71	20	classical	classical	ADJ
ajbmeb-3047	71	21	american	american	ADJ
ajbmeb-3047	71	22	camels	camel	NOUN
ajbmeb-3047	71	23	model	model	NOUN
ajbmeb-3047	72	1	[	[	X
ajbmeb-3047	72	2	32	32	NUM
ajbmeb-3047	72	3	,	,	PUNCT
ajbmeb-3047	72	4	p.	p.	NOUN
ajbmeb-3047	72	5	38	38	NUM
ajbmeb-3047	72	6	]	]	PUNCT
ajbmeb-3047	72	7	.	.	PUNCT
ajbmeb-3047	73	1	table	table	NOUN
ajbmeb-3047	73	2	1	1	NUM
ajbmeb-3047	73	3	presents	present	VERB
ajbmeb-3047	73	4	the	the	DET
ajbmeb-3047	73	5	key	key	ADJ
ajbmeb-3047	73	6	ratios	ratio	NOUN
ajbmeb-3047	73	7	used	use	VERB
ajbmeb-3047	73	8	in	in	ADP
ajbmeb-3047	73	9	assessing	assess	VERB
ajbmeb-3047	73	10	the	the	DET
ajbmeb-3047	73	11	financial	financial	ADJ
ajbmeb-3047	73	12	stability	stability	NOUN
ajbmeb-3047	73	13	of	of	ADP
ajbmeb-3047	73	14	a	a	DET
ajbmeb-3047	73	15	credit	credit	NOUN
ajbmeb-3047	73	16	institution	institution	NOUN
ajbmeb-3047	73	17	.	.	PUNCT
ajbmeb-3047	74	1	no	no	INTJ
ajbmeb-3047	74	2	.	.	PUNCT
ajbmeb-3047	75	1	name	name	NOUN
ajbmeb-3047	75	2	of	of	ADP
ajbmeb-3047	75	3	the	the	DET
ajbmeb-3047	75	4	ratio	ratio	NOUN
ajbmeb-3047	75	5	calculation	calculation	NOUN
ajbmeb-3047	75	6	formula	formula	NOUN
ajbmeb-3047	75	7	description	description	NOUN
ajbmeb-3047	75	8	normative	normative	ADJ
ajbmeb-3047	75	9	value	value	NOUN
ajbmeb-3047	75	10	1	1	NUM
ajbmeb-3047	75	11	capital	capital	NOUN
ajbmeb-3047	75	12	adequacy	adequacy	NOUN
ajbmeb-3047	75	13	ratio	ratio	NOUN
ajbmeb-3047	75	14	indicates	indicate	VERB
ajbmeb-3047	75	15	the	the	DET
ajbmeb-3047	75	16	degree	degree	NOUN
ajbmeb-3047	75	17	to	to	PART
ajbmeb-3047	75	18	which	which	PRON
ajbmeb-3047	75	19	the	the	DET
ajbmeb-3047	75	20	bank	bank	NOUN
ajbmeb-3047	75	21	’s	’s	PART
ajbmeb-3047	75	22	risky	risky	ADJ
ajbmeb-3047	75	23	assets	asset	NOUN
ajbmeb-3047	75	24	are	be	AUX
ajbmeb-3047	75	25	covered	cover	VERB
ajbmeb-3047	75	26	by	by	ADP
ajbmeb-3047	75	27	its	its	PRON
ajbmeb-3047	75	28	capital	capital	NOUN
ajbmeb-3047	75	29	10	10	NUM
ajbmeb-3047	75	30	%	%	NOUN
ajbmeb-3047	75	31	2	2	NUM
ajbmeb-3047	75	32	financial	financial	ADJ
ajbmeb-3047	75	33	independence	independence	NOUN
ajbmeb-3047	75	34	ratio	ratio	NOUN
ajbmeb-3047	75	35	reflects	reflect	VERB
ajbmeb-3047	75	36	the	the	DET
ajbmeb-3047	75	37	bank	bank	NOUN
ajbmeb-3047	75	38	’s	’s	PART
ajbmeb-3047	75	39	dependence	dependence	NOUN
ajbmeb-3047	75	40	on	on	ADP
ajbmeb-3047	75	41	external	external	ADJ
ajbmeb-3047	75	42	borrowings	borrowing	NOUN
ajbmeb-3047	75	43	greater	great	ADJ
ajbmeb-3047	75	44	than	than	ADP
ajbmeb-3047	75	45	0.5	0.5	NUM
ajbmeb-3047	75	46	3	3	NUM
ajbmeb-3047	75	47	stability	stability	NOUN
ajbmeb-3047	75	48	of	of	ADP
ajbmeb-3047	75	49	resource	resource	NOUN
ajbmeb-3047	75	50	base	base	NOUN
ajbmeb-3047	75	51	ratio	ratio	NOUN
ajbmeb-3047	75	52	assesses	assesse	NOUN
ajbmeb-3047	75	53	what	what	DET
ajbmeb-3047	75	54	portion	portion	NOUN
ajbmeb-3047	75	55	of	of	ADP
ajbmeb-3047	75	56	the	the	DET
ajbmeb-3047	75	57	bank	bank	NOUN
ajbmeb-3047	75	58	’s	’s	PART
ajbmeb-3047	75	59	resources	resource	NOUN
ajbmeb-3047	75	60	can	can	AUX
ajbmeb-3047	75	61	be	be	AUX
ajbmeb-3047	75	62	considered	consider	VERB
ajbmeb-3047	75	63	relatively	relatively	ADV
ajbmeb-3047	75	64	stable	stable	ADJ
ajbmeb-3047	75	65	70	70	NUM
ajbmeb-3047	75	66	%	%	NOUN
ajbmeb-3047	75	67	4	4	NUM
ajbmeb-3047	75	68	maneuverability	maneuverability	NOUN
ajbmeb-3047	75	69	ratio	ratio	NOUN
ajbmeb-3047	75	70	shows	show	VERB
ajbmeb-3047	75	71	what	what	DET
ajbmeb-3047	75	72	portion	portion	NOUN
ajbmeb-3047	75	73	of	of	ADP
ajbmeb-3047	75	74	the	the	DET
ajbmeb-3047	75	75	bank	bank	NOUN
ajbmeb-3047	75	76	’s	’s	PART
ajbmeb-3047	75	77	own	own	ADJ
ajbmeb-3047	75	78	funds	fund	NOUN
ajbmeb-3047	75	79	are	be	AUX
ajbmeb-3047	75	80	in	in	ADP
ajbmeb-3047	75	81	a	a	DET
ajbmeb-3047	75	82	mobile	mobile	ADJ
ajbmeb-3047	75	83	(	(	PUNCT
ajbmeb-3047	75	84	liquid	liquid	NOUN
ajbmeb-3047	75	85	)	)	PUNCT
ajbmeb-3047	75	86	form	form	NOUN
ajbmeb-3047	75	87	from	from	ADP
ajbmeb-3047	75	88	0	0	NUM
ajbmeb-3047	75	89	to	to	PART
ajbmeb-3047	75	90	1	1	NUM
ajbmeb-3047	75	91	5	5	NUM
ajbmeb-3047	75	92	long	long	ADJ
ajbmeb-3047	75	93	-	-	PUNCT
ajbmeb-3047	75	94	term	term	NOUN
ajbmeb-3047	75	95	borrowed	borrow	VERB
ajbmeb-3047	75	96	funds	fund	NOUN
ajbmeb-3047	75	97	ratio	ratio	NOUN
ajbmeb-3047	75	98	indicates	indicate	VERB
ajbmeb-3047	75	99	the	the	DET
ajbmeb-3047	75	100	proportion	proportion	NOUN
ajbmeb-3047	75	101	of	of	ADP
ajbmeb-3047	75	102	non	non	ADJ
ajbmeb-3047	75	103	-	-	ADJ
ajbmeb-3047	75	104	current	current	ADJ
ajbmeb-3047	75	105	asset	asset	NOUN
ajbmeb-3047	75	106	financing	financing	NOUN
ajbmeb-3047	75	107	covered	cover	VERB
ajbmeb-3047	75	108	by	by	ADP
ajbmeb-3047	75	109	equity	equity	NOUN
ajbmeb-3047	75	110	or	or	CCONJ
ajbmeb-3047	75	111	longterm	longterm	NOUN
ajbmeb-3047	75	112	debt	debt	NOUN
ajbmeb-3047	75	113	—	—	PUNCT
ajbmeb-3047	75	114	6	6	NUM
ajbmeb-3047	75	115	accumulated	accumulate	VERB
ajbmeb-3047	75	116	capital	capital	NOUN
ajbmeb-3047	75	117	ratio	ratio	NOUN
ajbmeb-3047	75	118	reflects	reflect	VERB
ajbmeb-3047	75	119	the	the	DET
ajbmeb-3047	75	120	share	share	NOUN
ajbmeb-3047	75	121	of	of	ADP
ajbmeb-3047	75	122	retained	retain	VERB
ajbmeb-3047	75	123	earnings	earning	NOUN
ajbmeb-3047	75	124	allocated	allocate	VERB
ajbmeb-3047	75	125	for	for	ADP
ajbmeb-3047	75	126	core	core	NOUN
ajbmeb-3047	75	127	business	business	NOUN
ajbmeb-3047	75	128	development	development	NOUN
ajbmeb-3047	75	129	—	—	PUNCT
ajbmeb-3047	75	130	7	7	NUM
ajbmeb-3047	75	131	asset	asset	NOUN
ajbmeb-3047	75	132	utilization	utilization	NOUN
ajbmeb-3047	75	133	efficiency	efficiency	NOUN
ajbmeb-3047	75	134	ratio	ratio	NOUN
ajbmeb-3047	75	135	reflects	reflect	VERB
ajbmeb-3047	75	136	how	how	SCONJ
ajbmeb-3047	75	137	well	well	ADV
ajbmeb-3047	75	138	the	the	DET
ajbmeb-3047	75	139	bank	bank	NOUN
ajbmeb-3047	75	140	meets	meet	VERB
ajbmeb-3047	75	141	the	the	DET
ajbmeb-3047	75	142	credit	credit	NOUN
ajbmeb-3047	75	143	needs	need	NOUN
ajbmeb-3047	75	144	of	of	ADP
ajbmeb-3047	75	145	the	the	DET
ajbmeb-3047	75	146	population	population	NOUN
ajbmeb-3047	75	147	and	and	CCONJ
ajbmeb-3047	75	148	economy	economy	NOUN
ajbmeb-3047	75	149	—	—	PUNCT
ajbmeb-3047	75	150	the	the	DET
ajbmeb-3047	75	151	capital	capital	NOUN
ajbmeb-3047	75	152	adequacy	adequacy	NOUN
ajbmeb-3047	75	153	ratio	ratio	NOUN
ajbmeb-3047	75	154	(	(	PUNCT
ajbmeb-3047	75	155	car	car	NOUN
ajbmeb-3047	75	156	)	)	PUNCT
ajbmeb-3047	75	157	is	be	AUX
ajbmeb-3047	75	158	a	a	DET
ajbmeb-3047	75	159	critical	critical	ADJ
ajbmeb-3047	75	160	measure	measure	NOUN
ajbmeb-3047	75	161	used	use	VERB
ajbmeb-3047	75	162	to	to	PART
ajbmeb-3047	75	163	evaluate	evaluate	VERB
ajbmeb-3047	75	164	a	a	DET
ajbmeb-3047	75	165	bank	bank	NOUN
ajbmeb-3047	75	166	’s	’s	PART
ajbmeb-3047	75	167	ability	ability	NOUN
ajbmeb-3047	75	168	to	to	PART
ajbmeb-3047	75	169	absorb	absorb	VERB
ajbmeb-3047	75	170	potential	potential	ADJ
ajbmeb-3047	75	171	losses	loss	NOUN
ajbmeb-3047	75	172	arising	arise	VERB
ajbmeb-3047	75	173	from	from	ADP
ajbmeb-3047	75	174	its	its	PRON
ajbmeb-3047	75	175	risk	risk	NOUN
ajbmeb-3047	75	176	exposures	exposure	NOUN
ajbmeb-3047	75	177	.	.	PUNCT
ajbmeb-3047	76	1	it	it	PRON
ajbmeb-3047	76	2	compares	compare	VERB
ajbmeb-3047	76	3	a	a	DET
ajbmeb-3047	76	4	bank	bank	NOUN
ajbmeb-3047	76	5	's	's	PART
ajbmeb-3047	76	6	capital	capital	NOUN
ajbmeb-3047	76	7	to	to	ADP
ajbmeb-3047	76	8	its	its	PRON
ajbmeb-3047	76	9	risk	risk	NOUN
ajbmeb-3047	76	10	-	-	PUNCT
ajbmeb-3047	76	11	weighted	weight	VERB
ajbmeb-3047	76	12	assets	asset	NOUN
ajbmeb-3047	76	13	,	,	PUNCT
ajbmeb-3047	76	14	which	which	PRON
ajbmeb-3047	76	15	reflect	reflect	VERB
ajbmeb-3047	76	16	the	the	DET
ajbmeb-3047	76	17	varying	vary	VERB
ajbmeb-3047	76	18	levels	level	NOUN
ajbmeb-3047	76	19	of	of	ADP
ajbmeb-3047	76	20	risk	risk	NOUN
ajbmeb-3047	76	21	associated	associate	VERB
ajbmeb-3047	76	22	with	with	ADP
ajbmeb-3047	76	23	different	different	ADJ
ajbmeb-3047	76	24	asset	asset	NOUN
ajbmeb-3047	76	25	classes	class	NOUN
ajbmeb-3047	76	26	.	.	PUNCT
ajbmeb-3047	77	1	a	a	DET
ajbmeb-3047	77	2	higher	high	ADJ
ajbmeb-3047	77	3	car	car	NOUN
ajbmeb-3047	77	4	indicates	indicate	VERB
ajbmeb-3047	77	5	that	that	SCONJ
ajbmeb-3047	77	6	the	the	DET
ajbmeb-3047	77	7	bank	bank	NOUN
ajbmeb-3047	77	8	is	be	AUX
ajbmeb-3047	77	9	more	more	ADV
ajbmeb-3047	77	10	financially	financially	ADV
ajbmeb-3047	77	11	resilient	resilient	ADJ
ajbmeb-3047	77	12	and	and	CCONJ
ajbmeb-3047	77	13	better	well	ADV
ajbmeb-3047	77	14	able	able	ADJ
ajbmeb-3047	77	15	to	to	PART
ajbmeb-3047	77	16	withstand	withstand	VERB
ajbmeb-3047	77	17	credit	credit	NOUN
ajbmeb-3047	77	18	or	or	CCONJ
ajbmeb-3047	77	19	market	market	NOUN
ajbmeb-3047	77	20	shocks	shock	NOUN
ajbmeb-3047	77	21	.	.	PUNCT
ajbmeb-3047	78	1	regulatory	regulatory	ADJ
ajbmeb-3047	78	2	bodies	body	NOUN
ajbmeb-3047	78	3	such	such	ADJ
ajbmeb-3047	78	4	as	as	ADP
ajbmeb-3047	78	5	the	the	DET
ajbmeb-3047	78	6	basel	basel	PROPN
ajbmeb-3047	78	7	committee	committee	PROPN
ajbmeb-3047	78	8	set	set	VERB
ajbmeb-3047	78	9	minimum	minimum	NOUN
ajbmeb-3047	78	10	thresholds	threshold	NOUN
ajbmeb-3047	78	11	(	(	PUNCT
ajbmeb-3047	78	12	e.g.	e.g.	ADV
ajbmeb-3047	78	13	,	,	PUNCT
ajbmeb-3047	78	14	8	8	NUM
ajbmeb-3047	78	15	%	%	NOUN
ajbmeb-3047	78	16	or	or	CCONJ
ajbmeb-3047	78	17	higher	high	ADJ
ajbmeb-3047	78	18	)	)	PUNCT
ajbmeb-3047	78	19	to	to	PART
ajbmeb-3047	78	20	ensure	ensure	VERB
ajbmeb-3047	78	21	financial	financial	ADJ
ajbmeb-3047	78	22	system	system	NOUN
ajbmeb-3047	78	23	stability	stability	NOUN
ajbmeb-3047	78	24	.	.	PUNCT
ajbmeb-3047	79	1	financial	financial	ADJ
ajbmeb-3047	79	2	independence	independence	NOUN
ajbmeb-3047	79	3	ratio	ratio	NOUN
ajbmeb-3047	79	4	reflects	reflect	VERB
ajbmeb-3047	79	5	how	how	SCONJ
ajbmeb-3047	79	6	much	much	ADJ
ajbmeb-3047	79	7	of	of	ADP
ajbmeb-3047	79	8	the	the	DET
ajbmeb-3047	79	9	bank	bank	NOUN
ajbmeb-3047	79	10	’s	’s	PART
ajbmeb-3047	79	11	total	total	ADJ
ajbmeb-3047	79	12	assets	asset	NOUN
ajbmeb-3047	79	13	are	be	AUX
ajbmeb-3047	79	14	financed	finance	VERB
ajbmeb-3047	79	15	by	by	ADP
ajbmeb-3047	79	16	its	its	PRON
ajbmeb-3047	79	17	own	own	ADJ
ajbmeb-3047	79	18	funds	fund	NOUN
ajbmeb-3047	79	19	(	(	PUNCT
ajbmeb-3047	79	20	equity	equity	NOUN
ajbmeb-3047	79	21	)	)	PUNCT
ajbmeb-3047	79	22	rather	rather	ADV
ajbmeb-3047	79	23	than	than	ADP
ajbmeb-3047	79	24	borrowed	borrow	VERB
ajbmeb-3047	79	25	capital	capital	NOUN
ajbmeb-3047	79	26	.	.	PUNCT
ajbmeb-3047	80	1	a	a	DET
ajbmeb-3047	80	2	higher	high	ADJ
ajbmeb-3047	80	3	value	value	NOUN
ajbmeb-3047	80	4	suggests	suggest	VERB
ajbmeb-3047	80	5	that	that	SCONJ
ajbmeb-3047	80	6	the	the	DET
ajbmeb-3047	80	7	bank	bank	NOUN
ajbmeb-3047	80	8	is	be	AUX
ajbmeb-3047	80	9	more	more	ADV
ajbmeb-3047	80	10	financially	financially	ADV
ajbmeb-3047	80	11	independent	independent	ADJ
ajbmeb-3047	80	12	and	and	CCONJ
ajbmeb-3047	80	13	less	less	ADV
ajbmeb-3047	80	14	reliant	reliant	ADJ
ajbmeb-3047	80	15	on	on	ADP
ajbmeb-3047	80	16	external	external	ADJ
ajbmeb-3047	80	17	debt	debt	NOUN
ajbmeb-3047	80	18	,	,	PUNCT
ajbmeb-3047	80	19	which	which	PRON
ajbmeb-3047	80	20	lowers	lower	VERB
ajbmeb-3047	80	21	financial	financial	ADJ
ajbmeb-3047	80	22	risk	risk	NOUN
ajbmeb-3047	80	23	.	.	PUNCT
ajbmeb-3047	81	1	this	this	DET
ajbmeb-3047	81	2	ratio	ratio	NOUN
ajbmeb-3047	81	3	is	be	AUX
ajbmeb-3047	81	4	also	also	ADV
ajbmeb-3047	81	5	used	use	VERB
ajbmeb-3047	81	6	to	to	PART
ajbmeb-3047	81	7	assess	assess	VERB
ajbmeb-3047	81	8	long	long	ADJ
ajbmeb-3047	81	9	-	-	PUNCT
ajbmeb-3047	81	10	term	term	NOUN
ajbmeb-3047	81	11	solvency	solvency	NOUN
ajbmeb-3047	81	12	and	and	CCONJ
ajbmeb-3047	81	13	financial	financial	ADJ
ajbmeb-3047	81	14	autonomy	autonomy	NOUN
ajbmeb-3047	81	15	.	.	PUNCT
ajbmeb-3047	82	1	if	if	SCONJ
ajbmeb-3047	82	2	the	the	DET
ajbmeb-3047	82	3	ratio	ratio	NOUN
ajbmeb-3047	82	4	is	be	AUX
ajbmeb-3047	82	5	low	low	ADJ
ajbmeb-3047	82	6	,	,	PUNCT
ajbmeb-3047	82	7	it	it	PRON
ajbmeb-3047	82	8	indicates	indicate	VERB
ajbmeb-3047	82	9	a	a	DET
ajbmeb-3047	82	10	high	high	ADJ
ajbmeb-3047	82	11	dependency	dependency	NOUN
ajbmeb-3047	82	12	on	on	ADP
ajbmeb-3047	82	13	external	external	ADJ
ajbmeb-3047	82	14	liabilities	liability	NOUN
ajbmeb-3047	82	15	,	,	PUNCT
ajbmeb-3047	82	16	which	which	PRON
ajbmeb-3047	82	17	may	may	AUX
ajbmeb-3047	82	18	be	be	AUX
ajbmeb-3047	82	19	riskier	risky	ADJ
ajbmeb-3047	82	20	in	in	ADP
ajbmeb-3047	82	21	volatile	volatile	ADJ
ajbmeb-3047	82	22	market	market	NOUN
ajbmeb-3047	82	23	conditions	condition	NOUN
ajbmeb-3047	82	24	.	.	PUNCT
ajbmeb-3047	83	1	resource	resource	NOUN
ajbmeb-3047	83	2	base	base	NOUN
ajbmeb-3047	83	3	stability	stability	NOUN
ajbmeb-3047	83	4	ratio	ratio	NOUN
ajbmeb-3047	83	5	evaluates	evaluate	VERB
ajbmeb-3047	83	6	the	the	DET
ajbmeb-3047	83	7	share	share	NOUN
ajbmeb-3047	83	8	of	of	ADP
ajbmeb-3047	83	9	the	the	DET
ajbmeb-3047	83	10	bank	bank	NOUN
ajbmeb-3047	83	11	’s	’s	PART
ajbmeb-3047	83	12	funding	funding	NOUN
ajbmeb-3047	83	13	that	that	PRON
ajbmeb-3047	83	14	can	can	AUX
ajbmeb-3047	83	15	be	be	AUX
ajbmeb-3047	83	16	considered	consider	VERB
ajbmeb-3047	83	17	relatively	relatively	ADV
ajbmeb-3047	83	18	stable	stable	ADJ
ajbmeb-3047	83	19	.	.	PUNCT
ajbmeb-3047	84	1	demand	demand	NOUN
ajbmeb-3047	84	2	liabilities	liability	NOUN
ajbmeb-3047	84	3	(	(	PUNCT
ajbmeb-3047	84	4	such	such	ADJ
ajbmeb-3047	84	5	as	as	ADP
ajbmeb-3047	84	6	demand	demand	NOUN
ajbmeb-3047	84	7	deposits	deposit	NOUN
ajbmeb-3047	84	8	)	)	PUNCT
ajbmeb-3047	84	9	can	can	AUX
ajbmeb-3047	84	10	be	be	AUX
ajbmeb-3047	84	11	withdrawn	withdraw	VERB
ajbmeb-3047	84	12	at	at	ADP
ajbmeb-3047	84	13	any	any	DET
ajbmeb-3047	84	14	time	time	NOUN
ajbmeb-3047	84	15	,	,	PUNCT
ajbmeb-3047	84	16	which	which	PRON
ajbmeb-3047	84	17	increases	increase	VERB
ajbmeb-3047	84	18	liquidity	liquidity	NOUN
ajbmeb-3047	84	19	risk	risk	NOUN
ajbmeb-3047	84	20	.	.	PUNCT
ajbmeb-3047	85	1	by	by	ADP
ajbmeb-3047	85	2	excluding	exclude	VERB
ajbmeb-3047	85	3	these	these	PRON
ajbmeb-3047	85	4	from	from	ADP
ajbmeb-3047	85	5	the	the	DET
ajbmeb-3047	85	6	total	total	ADJ
ajbmeb-3047	85	7	liabilities	liability	NOUN
ajbmeb-3047	85	8	,	,	PUNCT
ajbmeb-3047	85	9	the	the	DET
ajbmeb-3047	85	10	ratio	ratio	NOUN
ajbmeb-3047	85	11	focuses	focus	VERB
ajbmeb-3047	85	12	on	on	ADP
ajbmeb-3047	85	13	longer	long	ADJ
ajbmeb-3047	85	14	-	-	PUNCT
ajbmeb-3047	85	15	term	term	NOUN
ajbmeb-3047	85	16	or	or	CCONJ
ajbmeb-3047	85	17	more	more	ADV
ajbmeb-3047	85	18	stable	stable	ADJ
ajbmeb-3047	85	19	sources	source	NOUN
ajbmeb-3047	85	20	of	of	ADP
ajbmeb-3047	85	21	funding	funding	NOUN
ajbmeb-3047	85	22	(	(	PUNCT
ajbmeb-3047	85	23	e.g.	e.g.	ADV
ajbmeb-3047	85	24	,	,	PUNCT
ajbmeb-3047	85	25	term	term	NOUN
ajbmeb-3047	85	26	deposits	deposit	NOUN
ajbmeb-3047	85	27	or	or	CCONJ
ajbmeb-3047	85	28	long	long	ADJ
ajbmeb-3047	85	29	-	-	PUNCT
ajbmeb-3047	85	30	term	term	NOUN
ajbmeb-3047	85	31	borrowings	borrowing	NOUN
ajbmeb-3047	85	32	)	)	PUNCT
ajbmeb-3047	85	33	.	.	PUNCT
ajbmeb-3047	86	1	a	a	DET
ajbmeb-3047	86	2	higher	high	ADJ
ajbmeb-3047	86	3	value	value	NOUN
ajbmeb-3047	86	4	indicates	indicate	VERB
ajbmeb-3047	86	5	a	a	DET
ajbmeb-3047	86	6	more	more	ADV
ajbmeb-3047	86	7	stable	stable	ADJ
ajbmeb-3047	86	8	and	and	CCONJ
ajbmeb-3047	86	9	predictable	predictable	ADJ
ajbmeb-3047	86	10	funding	funding	NOUN
ajbmeb-3047	86	11	structure	structure	NOUN
ajbmeb-3047	86	12	,	,	PUNCT
ajbmeb-3047	86	13	which	which	PRON
ajbmeb-3047	86	14	enhances	enhance	VERB
ajbmeb-3047	86	15	liquidity	liquidity	NOUN
ajbmeb-3047	86	16	management	management	NOUN
ajbmeb-3047	86	17	and	and	CCONJ
ajbmeb-3047	86	18	reduces	reduce	VERB
ajbmeb-3047	86	19	the	the	DET
ajbmeb-3047	86	20	risk	risk	NOUN
ajbmeb-3047	86	21	of	of	ADP
ajbmeb-3047	86	22	sudden	sudden	ADJ
ajbmeb-3047	86	23	withdrawals	withdrawal	NOUN
ajbmeb-3047	86	24	.	.	PUNCT
ajbmeb-3047	87	1	american	american	ADJ
ajbmeb-3047	87	2	journal	journal	PROPN
ajbmeb-3047	87	3	of	of	ADP
ajbmeb-3047	87	4	business	business	NOUN
ajbmeb-3047	87	5	management	management	NOUN
ajbmeb-3047	87	6	,	,	PUNCT
ajbmeb-3047	87	7	economics	economic	NOUN
ajbmeb-3047	87	8	and	and	CCONJ
ajbmeb-3047	87	9	banking	banking	NOUN
ajbmeb-3047	87	10	volume	volume	NOUN
ajbmeb-3047	87	11	38	38	NUM
ajbmeb-3047	88	1	july2025	july2025	PROPN
ajbmeb-3047	88	2	p	p	NOUN
ajbmeb-3047	88	3	a	a	PRON
ajbmeb-3047	88	4	g	g	NOUN
ajbmeb-3047	88	5	e	e	NOUN
ajbmeb-3047	88	6	|	|	ADV
ajbmeb-3047	88	7	10	10	NUM
ajbmeb-3047	88	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3047	88	9	maneuverability	maneuverability	NOUN
ajbmeb-3047	88	10	ratio	ratio	NOUN
ajbmeb-3047	88	11	evaluates	evaluate	VERB
ajbmeb-3047	88	12	how	how	SCONJ
ajbmeb-3047	88	13	much	much	ADJ
ajbmeb-3047	88	14	of	of	ADP
ajbmeb-3047	88	15	the	the	DET
ajbmeb-3047	88	16	bank	bank	NOUN
ajbmeb-3047	88	17	's	's	PART
ajbmeb-3047	88	18	own	own	ADJ
ajbmeb-3047	88	19	capital	capital	NOUN
ajbmeb-3047	88	20	is	be	AUX
ajbmeb-3047	88	21	available	available	ADJ
ajbmeb-3047	88	22	in	in	ADP
ajbmeb-3047	88	23	liquid	liquid	ADJ
ajbmeb-3047	88	24	or	or	CCONJ
ajbmeb-3047	88	25	flexible	flexible	ADJ
ajbmeb-3047	88	26	form	form	NOUN
ajbmeb-3047	88	27	,	,	PUNCT
ajbmeb-3047	88	28	rather	rather	ADV
ajbmeb-3047	88	29	than	than	ADP
ajbmeb-3047	88	30	being	be	AUX
ajbmeb-3047	88	31	tied	tie	VERB
ajbmeb-3047	88	32	up	up	ADP
ajbmeb-3047	88	33	in	in	ADP
ajbmeb-3047	88	34	long	long	ADJ
ajbmeb-3047	88	35	-	-	PUNCT
ajbmeb-3047	88	36	term	term	NOUN
ajbmeb-3047	88	37	,	,	PUNCT
ajbmeb-3047	88	38	illiquid	illiquid	ADJ
ajbmeb-3047	88	39	investments	investment	NOUN
ajbmeb-3047	88	40	.	.	PUNCT
ajbmeb-3047	89	1	a	a	DET
ajbmeb-3047	89	2	higher	high	ADJ
ajbmeb-3047	89	3	ratio	ratio	NOUN
ajbmeb-3047	89	4	suggests	suggest	VERB
ajbmeb-3047	89	5	that	that	SCONJ
ajbmeb-3047	89	6	a	a	DET
ajbmeb-3047	89	7	larger	large	ADJ
ajbmeb-3047	89	8	portion	portion	NOUN
ajbmeb-3047	89	9	of	of	ADP
ajbmeb-3047	89	10	equity	equity	NOUN
ajbmeb-3047	89	11	is	be	AUX
ajbmeb-3047	89	12	available	available	ADJ
ajbmeb-3047	89	13	for	for	ADP
ajbmeb-3047	89	14	operational	operational	ADJ
ajbmeb-3047	89	15	flexibility	flexibility	NOUN
ajbmeb-3047	89	16	,	,	PUNCT
ajbmeb-3047	89	17	short	short	ADJ
ajbmeb-3047	89	18	-	-	PUNCT
ajbmeb-3047	89	19	term	term	NOUN
ajbmeb-3047	89	20	obligations	obligation	NOUN
ajbmeb-3047	89	21	,	,	PUNCT
ajbmeb-3047	89	22	or	or	CCONJ
ajbmeb-3047	89	23	investment	investment	NOUN
ajbmeb-3047	89	24	opportunities	opportunity	NOUN
ajbmeb-3047	89	25	.	.	PUNCT
ajbmeb-3047	90	1	long	long	ADJ
ajbmeb-3047	90	2	-	-	PUNCT
ajbmeb-3047	90	3	term	term	NOUN
ajbmeb-3047	90	4	debt	debt	NOUN
ajbmeb-3047	90	5	attraction	attraction	NOUN
ajbmeb-3047	90	6	ratio	ratio	NOUN
ajbmeb-3047	90	7	shows	show	VERB
ajbmeb-3047	90	8	the	the	DET
ajbmeb-3047	90	9	proportion	proportion	NOUN
ajbmeb-3047	90	10	of	of	ADP
ajbmeb-3047	90	11	long	long	ADJ
ajbmeb-3047	90	12	-	-	PUNCT
ajbmeb-3047	90	13	term	term	NOUN
ajbmeb-3047	90	14	liabilities	liability	NOUN
ajbmeb-3047	90	15	in	in	ADP
ajbmeb-3047	90	16	the	the	DET
ajbmeb-3047	90	17	financing	financing	NOUN
ajbmeb-3047	90	18	of	of	ADP
ajbmeb-3047	90	19	noncurrent	noncurrent	NOUN
ajbmeb-3047	90	20	(	(	PUNCT
ajbmeb-3047	90	21	fixed	fixed	ADJ
ajbmeb-3047	90	22	)	)	PUNCT
ajbmeb-3047	90	23	assets	asset	NOUN
ajbmeb-3047	90	24	.	.	PUNCT
ajbmeb-3047	91	1	it	it	PRON
ajbmeb-3047	91	2	helps	help	VERB
ajbmeb-3047	91	3	assess	assess	VERB
ajbmeb-3047	91	4	the	the	DET
ajbmeb-3047	91	5	structure	structure	NOUN
ajbmeb-3047	91	6	and	and	CCONJ
ajbmeb-3047	91	7	risk	risk	NOUN
ajbmeb-3047	91	8	of	of	ADP
ajbmeb-3047	91	9	the	the	DET
ajbmeb-3047	91	10	bank	bank	NOUN
ajbmeb-3047	91	11	's	's	PART
ajbmeb-3047	91	12	funding	funding	NOUN
ajbmeb-3047	91	13	sources	source	NOUN
ajbmeb-3047	91	14	.	.	PUNCT
ajbmeb-3047	92	1	a	a	DET
ajbmeb-3047	92	2	higher	high	ADJ
ajbmeb-3047	92	3	value	value	NOUN
ajbmeb-3047	92	4	may	may	AUX
ajbmeb-3047	92	5	indicate	indicate	VERB
ajbmeb-3047	92	6	increased	increase	VERB
ajbmeb-3047	92	7	reliance	reliance	NOUN
ajbmeb-3047	92	8	on	on	ADP
ajbmeb-3047	92	9	borrowed	borrow	VERB
ajbmeb-3047	92	10	funds	fund	NOUN
ajbmeb-3047	92	11	to	to	PART
ajbmeb-3047	92	12	finance	finance	VERB
ajbmeb-3047	92	13	long	long	ADJ
ajbmeb-3047	92	14	-	-	PUNCT
ajbmeb-3047	92	15	term	term	NOUN
ajbmeb-3047	92	16	investments	investment	NOUN
ajbmeb-3047	92	17	,	,	PUNCT
ajbmeb-3047	92	18	which	which	PRON
ajbmeb-3047	92	19	could	could	AUX
ajbmeb-3047	92	20	pose	pose	VERB
ajbmeb-3047	92	21	financial	financial	ADJ
ajbmeb-3047	92	22	risks	risk	NOUN
ajbmeb-3047	92	23	in	in	ADP
ajbmeb-3047	92	24	case	case	NOUN
ajbmeb-3047	92	25	of	of	ADP
ajbmeb-3047	92	26	interest	interest	NOUN
ajbmeb-3047	92	27	rate	rate	NOUN
ajbmeb-3047	92	28	hikes	hike	NOUN
ajbmeb-3047	92	29	or	or	CCONJ
ajbmeb-3047	92	30	refinancing	refinance	VERB
ajbmeb-3047	92	31	difficulties	difficulty	NOUN
ajbmeb-3047	92	32	.	.	PUNCT
ajbmeb-3047	93	1	accumulated	accumulate	VERB
ajbmeb-3047	93	2	capital	capital	NOUN
ajbmeb-3047	93	3	ratio	ratio	NOUN
ajbmeb-3047	93	4	reflects	reflect	VERB
ajbmeb-3047	93	5	the	the	DET
ajbmeb-3047	93	6	internal	internal	ADJ
ajbmeb-3047	93	7	capital	capital	NOUN
ajbmeb-3047	93	8	accumulation	accumulation	NOUN
ajbmeb-3047	93	9	of	of	ADP
ajbmeb-3047	93	10	the	the	DET
ajbmeb-3047	93	11	bank	bank	NOUN
ajbmeb-3047	93	12	—	—	PUNCT
ajbmeb-3047	93	13	how	how	SCONJ
ajbmeb-3047	93	14	much	much	ADJ
ajbmeb-3047	93	15	of	of	ADP
ajbmeb-3047	93	16	its	its	PRON
ajbmeb-3047	93	17	profits	profit	NOUN
ajbmeb-3047	93	18	have	have	AUX
ajbmeb-3047	93	19	been	be	AUX
ajbmeb-3047	93	20	reinvested	reinveste	VERB
ajbmeb-3047	93	21	rather	rather	ADV
ajbmeb-3047	93	22	than	than	ADP
ajbmeb-3047	93	23	distributed	distribute	VERB
ajbmeb-3047	93	24	to	to	ADP
ajbmeb-3047	93	25	shareholders	shareholder	NOUN
ajbmeb-3047	93	26	.	.	PUNCT
ajbmeb-3047	94	1	a	a	DET
ajbmeb-3047	94	2	higher	high	ADJ
ajbmeb-3047	94	3	value	value	NOUN
ajbmeb-3047	94	4	indicates	indicate	VERB
ajbmeb-3047	94	5	stronger	strong	ADJ
ajbmeb-3047	94	6	internal	internal	ADJ
ajbmeb-3047	94	7	growth	growth	NOUN
ajbmeb-3047	94	8	potential	potential	NOUN
ajbmeb-3047	94	9	and	and	CCONJ
ajbmeb-3047	94	10	more	more	ADJ
ajbmeb-3047	94	11	resources	resource	NOUN
ajbmeb-3047	94	12	for	for	ADP
ajbmeb-3047	94	13	reinvestment	reinvestment	NOUN
ajbmeb-3047	94	14	in	in	ADP
ajbmeb-3047	94	15	core	core	ADJ
ajbmeb-3047	94	16	banking	banking	NOUN
ajbmeb-3047	94	17	activities	activity	NOUN
ajbmeb-3047	94	18	.	.	PUNCT
ajbmeb-3047	95	1	asset	asset	NOUN
ajbmeb-3047	95	2	utilization	utilization	NOUN
ajbmeb-3047	95	3	efficiency	efficiency	NOUN
ajbmeb-3047	95	4	ratio	ratio	NOUN
ajbmeb-3047	95	5	measures	measure	NOUN
ajbmeb-3047	95	6	how	how	SCONJ
ajbmeb-3047	95	7	effectively	effectively	ADV
ajbmeb-3047	95	8	a	a	DET
ajbmeb-3047	95	9	bank	bank	NOUN
ajbmeb-3047	95	10	uses	use	VERB
ajbmeb-3047	95	11	its	its	PRON
ajbmeb-3047	95	12	total	total	ADJ
ajbmeb-3047	95	13	assets	asset	NOUN
ajbmeb-3047	95	14	to	to	PART
ajbmeb-3047	95	15	generate	generate	VERB
ajbmeb-3047	95	16	income	income	NOUN
ajbmeb-3047	95	17	.	.	PUNCT
ajbmeb-3047	96	1	income	income	NOUN
ajbmeb-3047	96	2	-	-	PUNCT
ajbmeb-3047	96	3	generating	generate	VERB
ajbmeb-3047	96	4	assets	asset	NOUN
ajbmeb-3047	96	5	typically	typically	ADV
ajbmeb-3047	96	6	include	include	VERB
ajbmeb-3047	96	7	loans	loan	NOUN
ajbmeb-3047	96	8	and	and	CCONJ
ajbmeb-3047	96	9	investments	investment	NOUN
ajbmeb-3047	96	10	that	that	PRON
ajbmeb-3047	96	11	yield	yield	VERB
ajbmeb-3047	96	12	interest	interest	NOUN
ajbmeb-3047	96	13	or	or	CCONJ
ajbmeb-3047	96	14	returns	return	NOUN
ajbmeb-3047	96	15	.	.	PUNCT
ajbmeb-3047	97	1	a	a	DET
ajbmeb-3047	97	2	higher	high	ADJ
ajbmeb-3047	97	3	percentage	percentage	NOUN
ajbmeb-3047	97	4	means	mean	VERB
ajbmeb-3047	97	5	that	that	SCONJ
ajbmeb-3047	97	6	a	a	DET
ajbmeb-3047	97	7	greater	great	ADJ
ajbmeb-3047	97	8	share	share	NOUN
ajbmeb-3047	97	9	of	of	ADP
ajbmeb-3047	97	10	the	the	DET
ajbmeb-3047	97	11	bank	bank	NOUN
ajbmeb-3047	97	12	's	's	PART
ajbmeb-3047	97	13	assets	asset	NOUN
ajbmeb-3047	97	14	is	be	AUX
ajbmeb-3047	97	15	actively	actively	ADV
ajbmeb-3047	97	16	contributing	contribute	VERB
ajbmeb-3047	97	17	to	to	ADP
ajbmeb-3047	97	18	revenue	revenue	NOUN
ajbmeb-3047	97	19	generation	generation	NOUN
ajbmeb-3047	97	20	,	,	PUNCT
ajbmeb-3047	97	21	which	which	PRON
ajbmeb-3047	97	22	is	be	AUX
ajbmeb-3047	97	23	a	a	DET
ajbmeb-3047	97	24	sign	sign	NOUN
ajbmeb-3047	97	25	of	of	ADP
ajbmeb-3047	97	26	good	good	ADJ
ajbmeb-3047	97	27	asset	asset	NOUN
ajbmeb-3047	97	28	management	management	NOUN
ajbmeb-3047	97	29	and	and	CCONJ
ajbmeb-3047	97	30	operational	operational	ADJ
ajbmeb-3047	97	31	efficiency	efficiency	NOUN
ajbmeb-3047	97	32	.	.	PUNCT
ajbmeb-3047	98	1	in	in	ADP
ajbmeb-3047	98	2	the	the	DET
ajbmeb-3047	98	3	work	work	NOUN
ajbmeb-3047	98	4	of	of	ADP
ajbmeb-3047	98	5	professor	professor	PROPN
ajbmeb-3047	98	6	l.	l.	PROPN
ajbmeb-3047	98	7	a.	a.	PROPN
ajbmeb-3047	98	8	chaldaeva	chaldaeva	PROPN
ajbmeb-3047	98	9	,	,	PUNCT
ajbmeb-3047	98	10	it	it	PRON
ajbmeb-3047	98	11	is	be	AUX
ajbmeb-3047	98	12	proposed	propose	VERB
ajbmeb-3047	98	13	to	to	PART
ajbmeb-3047	98	14	assess	assess	VERB
ajbmeb-3047	98	15	financial	financial	ADJ
ajbmeb-3047	98	16	stability	stability	NOUN
ajbmeb-3047	98	17	using	use	VERB
ajbmeb-3047	98	18	the	the	DET
ajbmeb-3047	98	19	following	follow	VERB
ajbmeb-3047	98	20	indicators	indicator	NOUN
ajbmeb-3047	98	21	(	(	PUNCT
ajbmeb-3047	98	22	table	table	NOUN
ajbmeb-3047	98	23	2	2	NUM
ajbmeb-3047	98	24	)	)	PUNCT
ajbmeb-3047	99	1	[	[	X
ajbmeb-3047	99	2	51	51	NUM
ajbmeb-3047	99	3	,	,	PUNCT
ajbmeb-3047	99	4	p.	p.	NOUN
ajbmeb-3047	99	5	215	215	NUM
ajbmeb-3047	99	6	]	]	PUNCT
ajbmeb-3047	99	7	.	.	PUNCT
ajbmeb-3047	100	1	table	table	NOUN
ajbmeb-3047	100	2	2	2	NUM
ajbmeb-3047	100	3	indicators	indicator	NOUN
ajbmeb-3047	100	4	for	for	ADP
ajbmeb-3047	100	5	assessing	assess	VERB
ajbmeb-3047	100	6	the	the	DET
ajbmeb-3047	100	7	financial	financial	ADJ
ajbmeb-3047	100	8	stability	stability	NOUN
ajbmeb-3047	100	9	of	of	ADP
ajbmeb-3047	100	10	a	a	DET
ajbmeb-3047	100	11	bank	bank	NOUN
ajbmeb-3047	100	12	no	no	INTJ
ajbmeb-3047	100	13	.	.	PUNCT
ajbmeb-3047	101	1	indicator	indicator	NOUN
ajbmeb-3047	101	2	/	/	SYM
ajbmeb-3047	101	3	ratio	ratio	NOUN
ajbmeb-3047	101	4	calculation	calculation	NOUN
ajbmeb-3047	101	5	formula	formula	NOUN
ajbmeb-3047	101	6	description	description	NOUN
ajbmeb-3047	101	7	1	1	NUM
ajbmeb-3047	101	8	overall	overall	ADJ
ajbmeb-3047	101	9	profitability	profitability	NOUN
ajbmeb-3047	101	10	indicator	indicator	NOUN
ajbmeb-3047	101	11	p	p	X
ajbmeb-3047	101	12	/	/	SYM
ajbmeb-3047	101	13	e	e	NOUN
ajbmeb-3047	101	14	where	where	SCONJ
ajbmeb-3047	101	15	p	p	NOUN
ajbmeb-3047	101	16	is	be	AUX
ajbmeb-3047	101	17	the	the	DET
ajbmeb-3047	101	18	bank	bank	NOUN
ajbmeb-3047	101	19	's	's	PART
ajbmeb-3047	101	20	profit	profit	NOUN
ajbmeb-3047	101	21	,	,	PUNCT
ajbmeb-3047	101	22	and	and	CCONJ
ajbmeb-3047	101	23	e	e	NOUN
ajbmeb-3047	101	24	is	be	AUX
ajbmeb-3047	101	25	equity	equity	NOUN
ajbmeb-3047	101	26	capital	capital	NOUN
ajbmeb-3047	101	27	.	.	PUNCT
ajbmeb-3047	102	1	measures	measure	NOUN
ajbmeb-3047	102	2	return	return	VERB
ajbmeb-3047	102	3	on	on	ADP
ajbmeb-3047	102	4	equity	equity	NOUN
ajbmeb-3047	102	5	(	(	PUNCT
ajbmeb-3047	102	6	roe	roe	PROPN
ajbmeb-3047	102	7	)	)	PUNCT
ajbmeb-3047	102	8	.	.	PUNCT
ajbmeb-3047	103	1	2	2	NUM
ajbmeb-3047	103	2	return	return	NOUN
ajbmeb-3047	103	3	on	on	ADP
ajbmeb-3047	103	4	assets	asset	NOUN
ajbmeb-3047	103	5	(	(	PUNCT
ajbmeb-3047	103	6	roa	roa	NOUN
ajbmeb-3047	103	7	)	)	PUNCT
ajbmeb-3047	103	8	p	p	X
ajbmeb-3047	103	9	/	/	SYM
ajbmeb-3047	103	10	a	a	PRON
ajbmeb-3047	103	11	where	where	SCONJ
ajbmeb-3047	103	12	a	a	PRON
ajbmeb-3047	103	13	is	be	AUX
ajbmeb-3047	103	14	the	the	DET
ajbmeb-3047	103	15	total	total	ADJ
ajbmeb-3047	103	16	assets	asset	NOUN
ajbmeb-3047	103	17	.	.	PUNCT
ajbmeb-3047	103	18	evaluates	evaluate	VERB
ajbmeb-3047	103	19	how	how	SCONJ
ajbmeb-3047	103	20	efficiently	efficiently	ADV
ajbmeb-3047	103	21	the	the	DET
ajbmeb-3047	103	22	bank	bank	NOUN
ajbmeb-3047	103	23	uses	use	VERB
ajbmeb-3047	103	24	its	its	PRON
ajbmeb-3047	103	25	assets	asset	NOUN
ajbmeb-3047	103	26	to	to	PART
ajbmeb-3047	103	27	generate	generate	VERB
ajbmeb-3047	103	28	profit	profit	NOUN
ajbmeb-3047	103	29	.	.	PUNCT
ajbmeb-3047	104	1	3	3	NUM
ajbmeb-3047	104	2	profit	profit	NOUN
ajbmeb-3047	104	3	-	-	PUNCT
ajbmeb-3047	104	4	to	to	ADP
ajbmeb-3047	104	5	-	-	PUNCT
ajbmeb-3047	104	6	income	income	NOUN
ajbmeb-3047	104	7	ratio	ratio	NOUN
ajbmeb-3047	104	8	p	p	X
ajbmeb-3047	104	9	/	/	SYM
ajbmeb-3047	104	10	i	i	PRON
ajbmeb-3047	104	11	where	where	SCONJ
ajbmeb-3047	104	12	i	i	PRON
ajbmeb-3047	104	13	is	be	AUX
ajbmeb-3047	104	14	total	total	ADJ
ajbmeb-3047	104	15	income	income	NOUN
ajbmeb-3047	104	16	.	.	PUNCT
ajbmeb-3047	105	1	indicates	indicate	VERB
ajbmeb-3047	105	2	the	the	DET
ajbmeb-3047	105	3	share	share	NOUN
ajbmeb-3047	105	4	of	of	ADP
ajbmeb-3047	105	5	income	income	NOUN
ajbmeb-3047	105	6	converted	convert	VERB
ajbmeb-3047	105	7	into	into	ADP
ajbmeb-3047	105	8	profit	profit	NOUN
ajbmeb-3047	105	9	.	.	PUNCT
ajbmeb-3047	106	1	4	4	NUM
ajbmeb-3047	106	2	profit	profit	NOUN
ajbmeb-3047	106	3	-	-	PUNCT
ajbmeb-3047	106	4	to	to	ADP
ajbmeb-3047	106	5	-	-	PUNCT
ajbmeb-3047	106	6	expense	expense	NOUN
ajbmeb-3047	106	7	ratio	ratio	NOUN
ajbmeb-3047	106	8	p	p	X
ajbmeb-3047	106	9	/	/	SYM
ajbmeb-3047	106	10	f	f	PROPN
ajbmeb-3047	106	11	where	where	SCONJ
ajbmeb-3047	106	12	f	f	PROPN
ajbmeb-3047	106	13	is	be	AUX
ajbmeb-3047	106	14	total	total	ADJ
ajbmeb-3047	106	15	expenses	expense	NOUN
ajbmeb-3047	106	16	.	.	PUNCT
ajbmeb-3047	106	17	reflects	reflect	VERB
ajbmeb-3047	106	18	cost	cost	NOUN
ajbmeb-3047	106	19	-	-	PUNCT
ajbmeb-3047	106	20	efficiency	efficiency	NOUN
ajbmeb-3047	106	21	in	in	ADP
ajbmeb-3047	106	22	generating	generate	VERB
ajbmeb-3047	106	23	profit	profit	NOUN
ajbmeb-3047	106	24	.	.	PUNCT
ajbmeb-3047	107	1	5	5	NUM
ajbmeb-3047	107	2	asset	asset	NOUN
ajbmeb-3047	107	3	yield	yield	NOUN
ajbmeb-3047	107	4	ratio	ratio	NOUN
ajbmeb-3047	107	5	ai	ai	VERB
ajbmeb-3047	107	6	/	/	SYM
ajbmeb-3047	107	7	a	a	PRON
ajbmeb-3047	108	1	where	where	SCONJ
ajbmeb-3047	108	2	ai	ai	NOUN
ajbmeb-3047	108	3	is	be	AUX
ajbmeb-3047	108	4	income	income	NOUN
ajbmeb-3047	108	5	-	-	PUNCT
ajbmeb-3047	108	6	generating	generate	VERB
ajbmeb-3047	108	7	assets	asset	NOUN
ajbmeb-3047	108	8	,	,	PUNCT
ajbmeb-3047	108	9	and	and	CCONJ
ajbmeb-3047	108	10	a	a	PRON
ajbmeb-3047	108	11	is	be	AUX
ajbmeb-3047	108	12	total	total	ADJ
ajbmeb-3047	108	13	working	work	VERB
ajbmeb-3047	108	14	assets	asset	NOUN
ajbmeb-3047	108	15	.	.	PUNCT
ajbmeb-3047	109	1	6	6	NUM
ajbmeb-3047	109	2	efficiency	efficiency	NOUN
ajbmeb-3047	109	3	of	of	ADP
ajbmeb-3047	109	4	using	use	VERB
ajbmeb-3047	109	5	borrowed	borrow	VERB
ajbmeb-3047	109	6	funds	fund	NOUN
ajbmeb-3047	109	7	p	p	X
ajbmeb-3047	109	8	/	/	SYM
ajbmeb-3047	109	9	l	l	NOUN
ajbmeb-3047	109	10	where	where	SCONJ
ajbmeb-3047	109	11	l	l	NOUN
ajbmeb-3047	109	12	is	be	AUX
ajbmeb-3047	109	13	borrowed	borrow	VERB
ajbmeb-3047	109	14	funds	fund	NOUN
ajbmeb-3047	109	15	.	.	PUNCT
ajbmeb-3047	110	1	shows	show	VERB
ajbmeb-3047	110	2	the	the	DET
ajbmeb-3047	110	3	effectiveness	effectiveness	NOUN
ajbmeb-3047	110	4	of	of	ADP
ajbmeb-3047	110	5	using	use	VERB
ajbmeb-3047	110	6	borrowed	borrow	VERB
ajbmeb-3047	110	7	resources	resource	NOUN
ajbmeb-3047	110	8	to	to	PART
ajbmeb-3047	110	9	earn	earn	VERB
ajbmeb-3047	110	10	profit	profit	NOUN
ajbmeb-3047	110	11	.	.	PUNCT
ajbmeb-3047	111	1	1	1	X
ajbmeb-3047	111	2	.	.	X
ajbmeb-3047	111	3	overall	overall	ADJ
ajbmeb-3047	111	4	profitability	profitability	NOUN
ajbmeb-3047	111	5	indicator	indicator	NOUN
ajbmeb-3047	111	6	(	(	PUNCT
ajbmeb-3047	111	7	p	p	X
ajbmeb-3047	111	8	/	/	SYM
ajbmeb-3047	111	9	e	e	NOUN
ajbmeb-3047	111	10	)	)	PUNCT
ajbmeb-3047	111	11	this	this	DET
ajbmeb-3047	111	12	ratio	ratio	NOUN
ajbmeb-3047	111	13	,	,	PUNCT
ajbmeb-3047	111	14	also	also	ADV
ajbmeb-3047	111	15	known	know	VERB
ajbmeb-3047	111	16	as	as	ADP
ajbmeb-3047	111	17	return	return	NOUN
ajbmeb-3047	111	18	on	on	ADP
ajbmeb-3047	111	19	equity	equity	NOUN
ajbmeb-3047	111	20	(	(	PUNCT
ajbmeb-3047	111	21	roe	roe	PROPN
ajbmeb-3047	111	22	)	)	PUNCT
ajbmeb-3047	111	23	,	,	PUNCT
ajbmeb-3047	111	24	measures	measure	VERB
ajbmeb-3047	111	25	the	the	DET
ajbmeb-3047	111	26	return	return	NOUN
ajbmeb-3047	111	27	generated	generate	VERB
ajbmeb-3047	111	28	on	on	ADP
ajbmeb-3047	111	29	the	the	DET
ajbmeb-3047	111	30	shareholders	shareholder	NOUN
ajbmeb-3047	111	31	’	'	PUNCT
ajbmeb-3047	111	32	(	(	PUNCT
ajbmeb-3047	111	33	equity	equity	NOUN
ajbmeb-3047	111	34	)	)	PUNCT
ajbmeb-3047	111	35	capital	capital	NOUN
ajbmeb-3047	111	36	.	.	PUNCT
ajbmeb-3047	112	1	purpose	purpose	NOUN
ajbmeb-3047	112	2	:	:	PUNCT
ajbmeb-3047	112	3	it	it	PRON
ajbmeb-3047	112	4	shows	show	VERB
ajbmeb-3047	112	5	how	how	SCONJ
ajbmeb-3047	112	6	effectively	effectively	ADV
ajbmeb-3047	112	7	the	the	DET
ajbmeb-3047	112	8	bank	bank	NOUN
ajbmeb-3047	112	9	is	be	AUX
ajbmeb-3047	112	10	using	use	VERB
ajbmeb-3047	112	11	its	its	PRON
ajbmeb-3047	112	12	equity	equity	NOUN
ajbmeb-3047	112	13	base	base	NOUN
ajbmeb-3047	112	14	to	to	PART
ajbmeb-3047	112	15	generate	generate	VERB
ajbmeb-3047	112	16	profits	profit	NOUN
ajbmeb-3047	112	17	.	.	PUNCT
ajbmeb-3047	113	1	interpretation	interpretation	NOUN
ajbmeb-3047	113	2	:	:	PUNCT
ajbmeb-3047	113	3	a	a	DET
ajbmeb-3047	113	4	higher	high	ADJ
ajbmeb-3047	113	5	roe	roe	NOUN
ajbmeb-3047	113	6	indicates	indicate	VERB
ajbmeb-3047	113	7	efficient	efficient	ADJ
ajbmeb-3047	113	8	use	use	NOUN
ajbmeb-3047	113	9	of	of	ADP
ajbmeb-3047	113	10	capital	capital	NOUN
ajbmeb-3047	113	11	and	and	CCONJ
ajbmeb-3047	113	12	good	good	ADJ
ajbmeb-3047	113	13	profitability	profitability	NOUN
ajbmeb-3047	113	14	from	from	ADP
ajbmeb-3047	113	15	the	the	DET
ajbmeb-3047	113	16	perspective	perspective	NOUN
ajbmeb-3047	113	17	of	of	ADP
ajbmeb-3047	113	18	shareholders	shareholder	NOUN
ajbmeb-3047	113	19	.	.	PUNCT
ajbmeb-3047	114	1	2	2	X
ajbmeb-3047	114	2	.	.	X
ajbmeb-3047	114	3	return	return	VERB
ajbmeb-3047	114	4	on	on	ADP
ajbmeb-3047	114	5	assets	asset	NOUN
ajbmeb-3047	114	6	(	(	PUNCT
ajbmeb-3047	114	7	roa	roa	NOUN
ajbmeb-3047	114	8	)	)	PUNCT
ajbmeb-3047	114	9	–	–	PUNCT
ajbmeb-3047	115	1	p	p	X
ajbmeb-3047	115	2	/	/	SYM
ajbmeb-3047	115	3	a	a	PRON
ajbmeb-3047	115	4	this	this	DET
ajbmeb-3047	115	5	indicator	indicator	NOUN
ajbmeb-3047	115	6	assesses	assess	VERB
ajbmeb-3047	115	7	the	the	DET
ajbmeb-3047	115	8	bank	bank	NOUN
ajbmeb-3047	115	9	’s	’s	PART
ajbmeb-3047	115	10	ability	ability	NOUN
ajbmeb-3047	115	11	to	to	PART
ajbmeb-3047	115	12	generate	generate	VERB
ajbmeb-3047	115	13	profit	profit	NOUN
ajbmeb-3047	115	14	from	from	ADP
ajbmeb-3047	115	15	its	its	PRON
ajbmeb-3047	115	16	total	total	ADJ
ajbmeb-3047	115	17	asset	asset	NOUN
ajbmeb-3047	115	18	base	base	NOUN
ajbmeb-3047	115	19	.	.	PUNCT
ajbmeb-3047	116	1	purpose	purpose	NOUN
ajbmeb-3047	116	2	:	:	PUNCT
ajbmeb-3047	116	3	it	it	PRON
ajbmeb-3047	116	4	is	be	AUX
ajbmeb-3047	116	5	widely	widely	ADV
ajbmeb-3047	116	6	used	use	VERB
ajbmeb-3047	116	7	to	to	PART
ajbmeb-3047	116	8	evaluate	evaluate	VERB
ajbmeb-3047	116	9	how	how	SCONJ
ajbmeb-3047	116	10	well	well	ADV
ajbmeb-3047	116	11	a	a	DET
ajbmeb-3047	116	12	bank	bank	NOUN
ajbmeb-3047	116	13	uses	use	VERB
ajbmeb-3047	116	14	its	its	PRON
ajbmeb-3047	116	15	assets	asset	NOUN
ajbmeb-3047	116	16	to	to	PART
ajbmeb-3047	116	17	earn	earn	VERB
ajbmeb-3047	116	18	income	income	NOUN
ajbmeb-3047	116	19	.	.	PUNCT
ajbmeb-3047	117	1	american	american	PROPN
ajbmeb-3047	117	2	journal	journal	PROPN
ajbmeb-3047	117	3	of	of	ADP
ajbmeb-3047	117	4	business	business	NOUN
ajbmeb-3047	117	5	management	management	NOUN
ajbmeb-3047	117	6	,	,	PUNCT
ajbmeb-3047	117	7	economics	economic	NOUN
ajbmeb-3047	117	8	and	and	CCONJ
ajbmeb-3047	117	9	banking	banking	NOUN
ajbmeb-3047	117	10	volume	volume	NOUN
ajbmeb-3047	117	11	38	38	NUM
ajbmeb-3047	118	1	july2025	july2025	PROPN
ajbmeb-3047	118	2	p	p	NOUN
ajbmeb-3047	118	3	a	a	DET
ajbmeb-3047	118	4	g	g	NOUN
ajbmeb-3047	118	5	e	e	NOUN
ajbmeb-3047	118	6	|	|	ADV
ajbmeb-3047	118	7	11	11	NUM
ajbmeb-3047	118	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3047	118	9	interpretation	interpretation	NOUN
ajbmeb-3047	118	10	:	:	PUNCT
ajbmeb-3047	118	11	a	a	DET
ajbmeb-3047	118	12	higher	high	ADJ
ajbmeb-3047	118	13	roa	roa	NOUN
ajbmeb-3047	118	14	means	mean	VERB
ajbmeb-3047	118	15	the	the	DET
ajbmeb-3047	118	16	bank	bank	NOUN
ajbmeb-3047	118	17	is	be	AUX
ajbmeb-3047	118	18	more	more	ADV
ajbmeb-3047	118	19	efficient	efficient	ADJ
ajbmeb-3047	118	20	in	in	ADP
ajbmeb-3047	118	21	managing	manage	VERB
ajbmeb-3047	118	22	its	its	PRON
ajbmeb-3047	118	23	assets	asset	NOUN
ajbmeb-3047	118	24	to	to	PART
ajbmeb-3047	118	25	produce	produce	VERB
ajbmeb-3047	118	26	net	net	ADJ
ajbmeb-3047	118	27	earnings	earning	NOUN
ajbmeb-3047	118	28	.	.	PUNCT
ajbmeb-3047	119	1	3	3	X
ajbmeb-3047	119	2	.	.	X
ajbmeb-3047	119	3	profit	profit	NOUN
ajbmeb-3047	119	4	-	-	PUNCT
ajbmeb-3047	119	5	to	to	ADP
ajbmeb-3047	119	6	-	-	PUNCT
ajbmeb-3047	119	7	income	income	NOUN
ajbmeb-3047	119	8	ratio	ratio	NOUN
ajbmeb-3047	119	9	(	(	PUNCT
ajbmeb-3047	119	10	p	p	X
ajbmeb-3047	119	11	/	/	SYM
ajbmeb-3047	119	12	i	i	NOUN
ajbmeb-3047	119	13	)	)	PUNCT
ajbmeb-3047	119	14	this	this	DET
ajbmeb-3047	119	15	ratio	ratio	NOUN
ajbmeb-3047	119	16	measures	measure	VERB
ajbmeb-3047	119	17	how	how	SCONJ
ajbmeb-3047	119	18	much	much	ADJ
ajbmeb-3047	119	19	of	of	ADP
ajbmeb-3047	119	20	the	the	DET
ajbmeb-3047	119	21	total	total	ADJ
ajbmeb-3047	119	22	income	income	NOUN
ajbmeb-3047	119	23	earned	earn	VERB
ajbmeb-3047	119	24	by	by	ADP
ajbmeb-3047	119	25	the	the	DET
ajbmeb-3047	119	26	bank	bank	NOUN
ajbmeb-3047	119	27	is	be	AUX
ajbmeb-3047	119	28	retained	retain	VERB
ajbmeb-3047	119	29	as	as	ADP
ajbmeb-3047	119	30	profit	profit	NOUN
ajbmeb-3047	119	31	.	.	PUNCT
ajbmeb-3047	120	1	purpose	purpose	NOUN
ajbmeb-3047	120	2	:	:	PUNCT
ajbmeb-3047	120	3	it	it	PRON
ajbmeb-3047	120	4	reflects	reflect	VERB
ajbmeb-3047	120	5	profitability	profitability	NOUN
ajbmeb-3047	120	6	relative	relative	ADJ
ajbmeb-3047	120	7	to	to	ADP
ajbmeb-3047	120	8	revenues	revenue	NOUN
ajbmeb-3047	120	9	.	.	PUNCT
ajbmeb-3047	121	1	interpretation	interpretation	NOUN
ajbmeb-3047	121	2	:	:	PUNCT
ajbmeb-3047	121	3	a	a	DET
ajbmeb-3047	121	4	high	high	ADJ
ajbmeb-3047	121	5	value	value	NOUN
ajbmeb-3047	121	6	suggests	suggest	VERB
ajbmeb-3047	121	7	that	that	SCONJ
ajbmeb-3047	121	8	the	the	DET
ajbmeb-3047	121	9	bank	bank	NOUN
ajbmeb-3047	121	10	controls	control	VERB
ajbmeb-3047	121	11	its	its	PRON
ajbmeb-3047	121	12	costs	cost	NOUN
ajbmeb-3047	121	13	effectively	effectively	ADV
ajbmeb-3047	121	14	and	and	CCONJ
ajbmeb-3047	121	15	retains	retain	VERB
ajbmeb-3047	121	16	a	a	DET
ajbmeb-3047	121	17	larger	large	ADJ
ajbmeb-3047	121	18	share	share	NOUN
ajbmeb-3047	121	19	of	of	ADP
ajbmeb-3047	121	20	income	income	NOUN
ajbmeb-3047	121	21	as	as	ADP
ajbmeb-3047	121	22	profit	profit	NOUN
ajbmeb-3047	121	23	.	.	PUNCT
ajbmeb-3047	122	1	4	4	X
ajbmeb-3047	122	2	.	.	X
ajbmeb-3047	122	3	profit	profit	NOUN
ajbmeb-3047	122	4	-	-	PUNCT
ajbmeb-3047	122	5	to	to	ADP
ajbmeb-3047	122	6	-	-	PUNCT
ajbmeb-3047	122	7	expense	expense	NOUN
ajbmeb-3047	122	8	ratio	ratio	NOUN
ajbmeb-3047	122	9	(	(	PUNCT
ajbmeb-3047	122	10	p	p	X
ajbmeb-3047	122	11	/	/	SYM
ajbmeb-3047	122	12	f	f	NOUN
ajbmeb-3047	122	13	)	)	PUNCT
ajbmeb-3047	122	14	this	this	DET
ajbmeb-3047	122	15	indicator	indicator	NOUN
ajbmeb-3047	122	16	evaluates	evaluate	VERB
ajbmeb-3047	122	17	the	the	DET
ajbmeb-3047	122	18	proportion	proportion	NOUN
ajbmeb-3047	122	19	of	of	ADP
ajbmeb-3047	122	20	expenses	expense	NOUN
ajbmeb-3047	122	21	that	that	PRON
ajbmeb-3047	122	22	is	be	AUX
ajbmeb-3047	122	23	covered	cover	VERB
ajbmeb-3047	122	24	by	by	ADP
ajbmeb-3047	122	25	profits	profit	NOUN
ajbmeb-3047	122	26	.	.	PUNCT
ajbmeb-3047	123	1	purpose	purpose	NOUN
ajbmeb-3047	123	2	:	:	PUNCT
ajbmeb-3047	123	3	it	it	PRON
ajbmeb-3047	123	4	shows	show	VERB
ajbmeb-3047	123	5	how	how	SCONJ
ajbmeb-3047	123	6	well	well	ADV
ajbmeb-3047	123	7	the	the	DET
ajbmeb-3047	123	8	bank	bank	NOUN
ajbmeb-3047	123	9	manages	manage	VERB
ajbmeb-3047	123	10	its	its	PRON
ajbmeb-3047	123	11	operating	operating	NOUN
ajbmeb-3047	123	12	costs	cost	NOUN
ajbmeb-3047	123	13	.	.	PUNCT
ajbmeb-3047	124	1	interpretation	interpretation	NOUN
ajbmeb-3047	124	2	:	:	PUNCT
ajbmeb-3047	124	3	a	a	DET
ajbmeb-3047	124	4	higher	high	ADJ
ajbmeb-3047	124	5	ratio	ratio	NOUN
ajbmeb-3047	124	6	indicates	indicate	VERB
ajbmeb-3047	124	7	better	well	ADJ
ajbmeb-3047	124	8	cost	cost	NOUN
ajbmeb-3047	124	9	control	control	NOUN
ajbmeb-3047	124	10	and	and	CCONJ
ajbmeb-3047	124	11	operational	operational	ADJ
ajbmeb-3047	124	12	efficiency	efficiency	NOUN
ajbmeb-3047	124	13	.	.	PUNCT
ajbmeb-3047	125	1	5	5	X
ajbmeb-3047	125	2	.	.	X
ajbmeb-3047	125	3	asset	asset	NOUN
ajbmeb-3047	125	4	yield	yield	NOUN
ajbmeb-3047	125	5	ratio	ratio	NOUN
ajbmeb-3047	125	6	(	(	PUNCT
ajbmeb-3047	125	7	ai	ai	PROPN
ajbmeb-3047	125	8	/	/	SYM
ajbmeb-3047	125	9	a	a	NOUN
ajbmeb-3047	125	10	)	)	PUNCT
ajbmeb-3047	125	11	this	this	DET
ajbmeb-3047	125	12	ratio	ratio	NOUN
ajbmeb-3047	125	13	determines	determine	VERB
ajbmeb-3047	125	14	what	what	DET
ajbmeb-3047	125	15	portion	portion	NOUN
ajbmeb-3047	125	16	of	of	ADP
ajbmeb-3047	125	17	the	the	DET
ajbmeb-3047	125	18	bank	bank	NOUN
ajbmeb-3047	125	19	’s	’s	PART
ajbmeb-3047	125	20	working	work	VERB
ajbmeb-3047	125	21	assets	asset	NOUN
ajbmeb-3047	125	22	is	be	AUX
ajbmeb-3047	125	23	generating	generate	VERB
ajbmeb-3047	125	24	income	income	NOUN
ajbmeb-3047	125	25	.	.	PUNCT
ajbmeb-3047	126	1	purpose	purpose	NOUN
ajbmeb-3047	126	2	:	:	PUNCT
ajbmeb-3047	126	3	it	it	PRON
ajbmeb-3047	126	4	focuses	focus	VERB
ajbmeb-3047	126	5	on	on	ADP
ajbmeb-3047	126	6	the	the	DET
ajbmeb-3047	126	7	composition	composition	NOUN
ajbmeb-3047	126	8	and	and	CCONJ
ajbmeb-3047	126	9	productivity	productivity	NOUN
ajbmeb-3047	126	10	of	of	ADP
ajbmeb-3047	126	11	the	the	DET
ajbmeb-3047	126	12	bank	bank	NOUN
ajbmeb-3047	126	13	’s	’s	PART
ajbmeb-3047	126	14	asset	asset	NOUN
ajbmeb-3047	126	15	base	base	NOUN
ajbmeb-3047	126	16	.	.	PUNCT
ajbmeb-3047	127	1	interpretation	interpretation	NOUN
ajbmeb-3047	127	2	:	:	PUNCT
ajbmeb-3047	127	3	a	a	DET
ajbmeb-3047	127	4	higher	high	ADJ
ajbmeb-3047	127	5	ratio	ratio	NOUN
ajbmeb-3047	127	6	implies	imply	VERB
ajbmeb-3047	127	7	that	that	SCONJ
ajbmeb-3047	127	8	the	the	DET
ajbmeb-3047	127	9	bank	bank	NOUN
ajbmeb-3047	127	10	’s	’s	PART
ajbmeb-3047	127	11	asset	asset	NOUN
ajbmeb-3047	127	12	structure	structure	NOUN
ajbmeb-3047	127	13	is	be	AUX
ajbmeb-3047	127	14	optimized	optimize	VERB
ajbmeb-3047	127	15	for	for	ADP
ajbmeb-3047	127	16	profitability	profitability	NOUN
ajbmeb-3047	127	17	,	,	PUNCT
ajbmeb-3047	127	18	with	with	ADP
ajbmeb-3047	127	19	more	more	ADJ
ajbmeb-3047	127	20	resources	resource	NOUN
ajbmeb-3047	127	21	allocated	allocate	VERB
ajbmeb-3047	127	22	to	to	ADP
ajbmeb-3047	127	23	income	income	NOUN
ajbmeb-3047	127	24	-	-	PUNCT
ajbmeb-3047	127	25	generating	generate	VERB
ajbmeb-3047	127	26	activities	activity	NOUN
ajbmeb-3047	127	27	like	like	ADP
ajbmeb-3047	127	28	loans	loan	NOUN
ajbmeb-3047	127	29	or	or	CCONJ
ajbmeb-3047	127	30	investments	investment	NOUN
ajbmeb-3047	127	31	.	.	PUNCT
ajbmeb-3047	128	1	6	6	X
ajbmeb-3047	128	2	.	.	X
ajbmeb-3047	128	3	efficiency	efficiency	NOUN
ajbmeb-3047	128	4	of	of	ADP
ajbmeb-3047	128	5	using	use	VERB
ajbmeb-3047	128	6	borrowed	borrow	VERB
ajbmeb-3047	128	7	funds	fund	NOUN
ajbmeb-3047	128	8	(	(	PUNCT
ajbmeb-3047	128	9	p	p	X
ajbmeb-3047	128	10	/	/	SYM
ajbmeb-3047	128	11	l	l	NOUN
ajbmeb-3047	128	12	)	)	PUNCT
ajbmeb-3047	128	13	this	this	DET
ajbmeb-3047	128	14	metric	metric	ADJ
ajbmeb-3047	128	15	measures	measure	NOUN
ajbmeb-3047	128	16	how	how	SCONJ
ajbmeb-3047	128	17	effectively	effectively	ADV
ajbmeb-3047	128	18	the	the	DET
ajbmeb-3047	128	19	bank	bank	NOUN
ajbmeb-3047	128	20	uses	use	VERB
ajbmeb-3047	128	21	borrowed	borrow	VERB
ajbmeb-3047	128	22	(	(	PUNCT
ajbmeb-3047	128	23	attracted	attract	VERB
ajbmeb-3047	128	24	)	)	PUNCT
ajbmeb-3047	128	25	funds	fund	NOUN
ajbmeb-3047	128	26	to	to	PART
ajbmeb-3047	128	27	generate	generate	VERB
ajbmeb-3047	128	28	profit	profit	NOUN
ajbmeb-3047	128	29	.	.	PUNCT
ajbmeb-3047	129	1	purpose	purpose	NOUN
ajbmeb-3047	129	2	:	:	PUNCT
ajbmeb-3047	129	3	it	it	PRON
ajbmeb-3047	129	4	assesses	assess	VERB
ajbmeb-3047	129	5	whether	whether	SCONJ
ajbmeb-3047	129	6	external	external	ADJ
ajbmeb-3047	129	7	funding	funding	NOUN
ajbmeb-3047	129	8	sources	source	NOUN
ajbmeb-3047	129	9	(	(	PUNCT
ajbmeb-3047	129	10	e.g.	e.g.	ADV
ajbmeb-3047	129	11	,	,	PUNCT
ajbmeb-3047	129	12	customer	customer	NOUN
ajbmeb-3047	129	13	deposits	deposit	NOUN
ajbmeb-3047	129	14	or	or	CCONJ
ajbmeb-3047	129	15	interbank	interbank	NOUN
ajbmeb-3047	129	16	loans	loan	NOUN
ajbmeb-3047	129	17	)	)	PUNCT
ajbmeb-3047	129	18	are	be	AUX
ajbmeb-3047	129	19	being	be	AUX
ajbmeb-3047	129	20	utilized	utilize	VERB
ajbmeb-3047	129	21	profitably	profitably	ADV
ajbmeb-3047	129	22	.	.	PUNCT
ajbmeb-3047	130	1	interpretation	interpretation	NOUN
ajbmeb-3047	130	2	:	:	PUNCT
ajbmeb-3047	130	3	a	a	DET
ajbmeb-3047	130	4	higher	high	ADJ
ajbmeb-3047	130	5	value	value	NOUN
ajbmeb-3047	130	6	indicates	indicate	VERB
ajbmeb-3047	130	7	that	that	SCONJ
ajbmeb-3047	130	8	the	the	DET
ajbmeb-3047	130	9	bank	bank	NOUN
ajbmeb-3047	130	10	is	be	AUX
ajbmeb-3047	130	11	using	use	VERB
ajbmeb-3047	130	12	its	its	PRON
ajbmeb-3047	130	13	liabilities	liability	NOUN
ajbmeb-3047	130	14	efficiently	efficiently	ADV
ajbmeb-3047	130	15	to	to	PART
ajbmeb-3047	130	16	increase	increase	VERB
ajbmeb-3047	130	17	returns	return	NOUN
ajbmeb-3047	130	18	.	.	PUNCT
ajbmeb-3047	131	1	conclusion	conclusion	NOUN
ajbmeb-3047	131	2	financial	financial	ADJ
ajbmeb-3047	131	3	stability	stability	NOUN
ajbmeb-3047	131	4	is	be	AUX
ajbmeb-3047	131	5	a	a	DET
ajbmeb-3047	131	6	fundamental	fundamental	ADJ
ajbmeb-3047	131	7	attribute	attribute	NOUN
ajbmeb-3047	131	8	of	of	ADP
ajbmeb-3047	131	9	a	a	DET
ajbmeb-3047	131	10	commercial	commercial	ADJ
ajbmeb-3047	131	11	bank	bank	NOUN
ajbmeb-3047	131	12	that	that	PRON
ajbmeb-3047	131	13	ensures	ensure	VERB
ajbmeb-3047	131	14	its	its	PRON
ajbmeb-3047	131	15	resilience	resilience	NOUN
ajbmeb-3047	131	16	,	,	PUNCT
ajbmeb-3047	131	17	competitiveness	competitiveness	NOUN
ajbmeb-3047	131	18	,	,	PUNCT
ajbmeb-3047	131	19	and	and	CCONJ
ajbmeb-3047	131	20	long	long	ADJ
ajbmeb-3047	131	21	-	-	PUNCT
ajbmeb-3047	131	22	term	term	NOUN
ajbmeb-3047	131	23	sustainability	sustainability	NOUN
ajbmeb-3047	131	24	in	in	ADP
ajbmeb-3047	131	25	a	a	DET
ajbmeb-3047	131	26	dynamic	dynamic	ADJ
ajbmeb-3047	131	27	market	market	NOUN
ajbmeb-3047	131	28	environment	environment	NOUN
ajbmeb-3047	131	29	.	.	PUNCT
ajbmeb-3047	132	1	a	a	DET
ajbmeb-3047	132	2	financially	financially	ADV
ajbmeb-3047	132	3	stable	stable	ADJ
ajbmeb-3047	132	4	bank	bank	NOUN
ajbmeb-3047	132	5	not	not	PART
ajbmeb-3047	132	6	only	only	ADV
ajbmeb-3047	132	7	fulfills	fulfill	VERB
ajbmeb-3047	132	8	its	its	PRON
ajbmeb-3047	132	9	obligations	obligation	NOUN
ajbmeb-3047	132	10	with	with	ADP
ajbmeb-3047	132	11	minimal	minimal	ADJ
ajbmeb-3047	132	12	risk	risk	NOUN
ajbmeb-3047	132	13	but	but	CCONJ
ajbmeb-3047	132	14	also	also	ADV
ajbmeb-3047	132	15	maintains	maintain	VERB
ajbmeb-3047	132	16	the	the	DET
ajbmeb-3047	132	17	confidence	confidence	NOUN
ajbmeb-3047	132	18	of	of	ADP
ajbmeb-3047	132	19	depositors	depositor	NOUN
ajbmeb-3047	132	20	,	,	PUNCT
ajbmeb-3047	132	21	investors	investor	NOUN
ajbmeb-3047	132	22	,	,	PUNCT
ajbmeb-3047	132	23	and	and	CCONJ
ajbmeb-3047	132	24	regulators	regulator	NOUN
ajbmeb-3047	132	25	.	.	PUNCT
ajbmeb-3047	133	1	stability	stability	NOUN
ajbmeb-3047	133	2	enables	enable	VERB
ajbmeb-3047	133	3	a	a	DET
ajbmeb-3047	133	4	bank	bank	NOUN
ajbmeb-3047	133	5	to	to	PART
ajbmeb-3047	133	6	attract	attract	VERB
ajbmeb-3047	133	7	additional	additional	ADJ
ajbmeb-3047	133	8	resources	resource	NOUN
ajbmeb-3047	133	9	,	,	PUNCT
ajbmeb-3047	133	10	expand	expand	VERB
ajbmeb-3047	133	11	its	its	PRON
ajbmeb-3047	133	12	market	market	NOUN
ajbmeb-3047	133	13	presence	presence	NOUN
ajbmeb-3047	133	14	,	,	PUNCT
ajbmeb-3047	133	15	and	and	CCONJ
ajbmeb-3047	133	16	support	support	VERB
ajbmeb-3047	133	17	the	the	DET
ajbmeb-3047	133	18	broader	broad	ADJ
ajbmeb-3047	133	19	economy	economy	NOUN
ajbmeb-3047	133	20	through	through	ADP
ajbmeb-3047	133	21	effective	effective	ADJ
ajbmeb-3047	133	22	financial	financial	ADJ
ajbmeb-3047	133	23	intermediation	intermediation	NOUN
ajbmeb-3047	133	24	.	.	PUNCT
ajbmeb-3047	134	1	in	in	ADP
ajbmeb-3047	134	2	the	the	DET
ajbmeb-3047	134	3	evolving	evolve	VERB
ajbmeb-3047	134	4	conditions	condition	NOUN
ajbmeb-3047	134	5	of	of	ADP
ajbmeb-3047	134	6	a	a	DET
ajbmeb-3047	134	7	market	market	NOUN
ajbmeb-3047	134	8	economy	economy	NOUN
ajbmeb-3047	134	9	,	,	PUNCT
ajbmeb-3047	134	10	ensuring	ensure	VERB
ajbmeb-3047	134	11	the	the	DET
ajbmeb-3047	134	12	financial	financial	ADJ
ajbmeb-3047	134	13	stability	stability	NOUN
ajbmeb-3047	134	14	of	of	ADP
ajbmeb-3047	134	15	commercial	commercial	ADJ
ajbmeb-3047	134	16	banks	bank	NOUN
ajbmeb-3047	134	17	has	have	AUX
ajbmeb-3047	134	18	become	become	VERB
ajbmeb-3047	134	19	a	a	DET
ajbmeb-3047	134	20	key	key	ADJ
ajbmeb-3047	134	21	strategic	strategic	ADJ
ajbmeb-3047	134	22	priority	priority	NOUN
ajbmeb-3047	134	23	.	.	PUNCT
ajbmeb-3047	135	1	financial	financial	ADJ
ajbmeb-3047	135	2	stability	stability	NOUN
ajbmeb-3047	135	3	is	be	AUX
ajbmeb-3047	135	4	not	not	PART
ajbmeb-3047	135	5	only	only	ADV
ajbmeb-3047	135	6	a	a	DET
ajbmeb-3047	135	7	reflection	reflection	NOUN
ajbmeb-3047	135	8	of	of	ADP
ajbmeb-3047	135	9	a	a	DET
ajbmeb-3047	135	10	bank	bank	NOUN
ajbmeb-3047	135	11	's	's	PART
ajbmeb-3047	135	12	current	current	ADJ
ajbmeb-3047	135	13	financial	financial	ADJ
ajbmeb-3047	135	14	health	health	NOUN
ajbmeb-3047	135	15	but	but	CCONJ
ajbmeb-3047	135	16	also	also	ADV
ajbmeb-3047	135	17	a	a	DET
ajbmeb-3047	135	18	guarantee	guarantee	NOUN
ajbmeb-3047	135	19	of	of	ADP
ajbmeb-3047	135	20	its	its	PRON
ajbmeb-3047	135	21	ability	ability	NOUN
ajbmeb-3047	135	22	to	to	PART
ajbmeb-3047	135	23	withstand	withstand	VERB
ajbmeb-3047	135	24	economic	economic	ADJ
ajbmeb-3047	135	25	shocks	shock	NOUN
ajbmeb-3047	135	26	,	,	PUNCT
ajbmeb-3047	135	27	fulfill	fulfill	NOUN
ajbmeb-3047	135	28	obligations	obligation	NOUN
ajbmeb-3047	135	29	,	,	PUNCT
ajbmeb-3047	135	30	and	and	CCONJ
ajbmeb-3047	135	31	continue	continue	VERB
ajbmeb-3047	135	32	contributing	contribute	VERB
ajbmeb-3047	135	33	to	to	ADP
ajbmeb-3047	135	34	the	the	DET
ajbmeb-3047	135	35	development	development	NOUN
ajbmeb-3047	135	36	of	of	ADP
ajbmeb-3047	135	37	the	the	DET
ajbmeb-3047	135	38	financial	financial	ADJ
ajbmeb-3047	135	39	system	system	NOUN
ajbmeb-3047	135	40	.	.	PUNCT
ajbmeb-3047	136	1	therefore	therefore	ADV
ajbmeb-3047	136	2	,	,	PUNCT
ajbmeb-3047	136	3	the	the	DET
ajbmeb-3047	136	4	assessment	assessment	NOUN
ajbmeb-3047	136	5	and	and	CCONJ
ajbmeb-3047	136	6	continuous	continuous	ADJ
ajbmeb-3047	136	7	monitoring	monitoring	NOUN
ajbmeb-3047	136	8	of	of	ADP
ajbmeb-3047	136	9	financial	financial	ADJ
ajbmeb-3047	136	10	stability	stability	NOUN
ajbmeb-3047	136	11	should	should	AUX
ajbmeb-3047	136	12	be	be	AUX
ajbmeb-3047	136	13	viewed	view	VERB
ajbmeb-3047	136	14	as	as	ADP
ajbmeb-3047	136	15	an	an	DET
ajbmeb-3047	136	16	essential	essential	ADJ
ajbmeb-3047	136	17	tool	tool	NOUN
ajbmeb-3047	136	18	in	in	ADP
ajbmeb-3047	136	19	banking	banking	NOUN
ajbmeb-3047	136	20	practice	practice	NOUN
ajbmeb-3047	136	21	.	.	PUNCT
ajbmeb-3047	137	1	it	it	PRON
ajbmeb-3047	137	2	enables	enable	VERB
ajbmeb-3047	137	3	banks	bank	NOUN
ajbmeb-3047	137	4	not	not	PART
ajbmeb-3047	137	5	only	only	ADV
ajbmeb-3047	137	6	to	to	PART
ajbmeb-3047	137	7	identify	identify	VERB
ajbmeb-3047	137	8	financial	financial	ADJ
ajbmeb-3047	137	9	vulnerabilities	vulnerability	NOUN
ajbmeb-3047	137	10	but	but	CCONJ
ajbmeb-3047	137	11	also	also	ADV
ajbmeb-3047	137	12	to	to	PART
ajbmeb-3047	137	13	strengthen	strengthen	VERB
ajbmeb-3047	137	14	their	their	PRON
ajbmeb-3047	137	15	strategic	strategic	ADJ
ajbmeb-3047	137	16	positions	position	NOUN
ajbmeb-3047	137	17	.	.	PUNCT
ajbmeb-3047	138	1	ultimately	ultimately	ADV
ajbmeb-3047	138	2	,	,	PUNCT
ajbmeb-3047	138	3	financial	financial	ADJ
ajbmeb-3047	138	4	stability	stability	NOUN
ajbmeb-3047	138	5	serves	serve	VERB
ajbmeb-3047	138	6	as	as	ADP
ajbmeb-3047	138	7	the	the	DET
ajbmeb-3047	138	8	foundation	foundation	NOUN
ajbmeb-3047	138	9	upon	upon	SCONJ
ajbmeb-3047	138	10	which	which	PRON
ajbmeb-3047	138	11	effective	effective	ADJ
ajbmeb-3047	138	12	,	,	PUNCT
ajbmeb-3047	138	13	trustworthy	trustworthy	ADJ
ajbmeb-3047	138	14	,	,	PUNCT
ajbmeb-3047	138	15	and	and	CCONJ
ajbmeb-3047	138	16	resilient	resilient	ADJ
ajbmeb-3047	138	17	banking	banking	NOUN
ajbmeb-3047	138	18	institutions	institution	NOUN
ajbmeb-3047	138	19	are	be	AUX
ajbmeb-3047	138	20	built	build	VERB
ajbmeb-3047	138	21	.	.	PUNCT
ajbmeb-3047	139	1	american	american	PROPN
ajbmeb-3047	139	2	journal	journal	PROPN
ajbmeb-3047	139	3	of	of	ADP
ajbmeb-3047	139	4	business	business	NOUN
ajbmeb-3047	139	5	management	management	NOUN
ajbmeb-3047	139	6	,	,	PUNCT
ajbmeb-3047	139	7	economics	economic	NOUN
ajbmeb-3047	139	8	and	and	CCONJ
ajbmeb-3047	139	9	banking	banking	NOUN
ajbmeb-3047	139	10	volume	volume	NOUN
ajbmeb-3047	139	11	38	38	NUM
ajbmeb-3047	140	1	july2025	july2025	PROPN
ajbmeb-3047	140	2	p	p	NOUN
ajbmeb-3047	140	3	a	a	DET
ajbmeb-3047	140	4	g	g	NOUN
ajbmeb-3047	140	5	e	e	NOUN
ajbmeb-3047	141	1	|	|	ADV
ajbmeb-3047	141	2	12	12	NUM
ajbmeb-3047	141	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3047	141	4	references	reference	NOUN
ajbmeb-3047	141	5	1	1	NUM
ajbmeb-3047	141	6	.	.	PUNCT
ajbmeb-3047	141	7	буевич	буевич	PROPN
ajbmeb-3047	141	8	с.ю	с.ю	PROPN
ajbmeb-3047	141	9	.	.	PROPN
ajbmeb-3047	141	10	анализ	анализ	PROPN
ajbmeb-3047	141	11	финансовых	финансовых	PROPN
ajbmeb-3047	141	12	результатов	результатов	PROPN
ajbmeb-3047	141	13	банковской	банковской	NOUN
ajbmeb-3047	141	14	деятельности	деятельности	PROPN
ajbmeb-3047	141	15	:	:	PUNCT
ajbmeb-3047	141	16	учебное	учебное	PROPN
ajbmeb-3047	141	17	пособие	пособие	PROPN
ajbmeb-3047	141	18	/	/	SYM
ajbmeb-3047	141	19	с.ю	с.ю	PROPN
ajbmeb-3047	141	20	.	.	PROPN
ajbmeb-3047	141	21	буевич	буевич	NOUN
ajbmeb-3047	141	22	,	,	PUNCT
ajbmeb-3047	141	23	о.г	о.г	PROPN
ajbmeb-3047	141	24	.	.	PROPN
ajbmeb-3047	141	25	королев	королев	PROPN
ajbmeb-3047	141	26	–	–	PUNCT
ajbmeb-3047	141	27	москва	москва	PROPN
ajbmeb-3047	141	28	:	:	PUNCT
ajbmeb-3047	141	29	кнорус	кнорус	ADJ
ajbmeb-3047	141	30	,	,	PUNCT
ajbmeb-3047	141	31	2014	2014	NUM
ajbmeb-3047	141	32	.	.	PUNCT
ajbmeb-3047	142	1	–	–	PUNCT
ajbmeb-3047	142	2	365	365	NUM
ajbmeb-3047	142	3	с	с	NOUN
ajbmeb-3047	142	4	.	.	PROPN
ajbmeb-3047	143	1	2	2	NUM
ajbmeb-3047	143	2	.	.	X
ajbmeb-3047	143	3	охапкин	охапкин	PROPN
ajbmeb-3047	143	4	в.п	в.п	PROPN
ajbmeb-3047	143	5	.	.	PROPN
ajbmeb-3047	143	6	о	о	PROPN
ajbmeb-3047	143	7	роли	роли	ADJ
ajbmeb-3047	143	8	финансовой	финансовой	NOUN
ajbmeb-3047	144	1	безопасности	безопасности	NUM
ajbmeb-3047	144	2	банковской	банковской	VERB
ajbmeb-3047	144	3	системы	системы	PROPN
ajbmeb-3047	144	4	в	в	PROPN
ajbmeb-3047	144	5	экономической	экономической	PROPN
ajbmeb-3047	144	6	безопасности	безопасности	PROPN
ajbmeb-3047	144	7	государства	государства	PROPN
ajbmeb-3047	144	8	:	:	PUNCT
ajbmeb-3047	144	9	методологические	методологические	PROPN
ajbmeb-3047	144	10	основы	основы	VERB
ajbmeb-3047	144	11	решения	решения	ADJ
ajbmeb-3047	144	12	//	//	PROPN
ajbmeb-3047	144	13	актуальные	актуальные	NOUN
ajbmeb-3047	144	14	проблемы	проблемы	NOUN
ajbmeb-3047	144	15	экономики	экономики	VERB
ajbmeb-3047	144	16	и	и	NOUN
ajbmeb-3047	144	17	права	права	NOUN
ajbmeb-3047	144	18	.	.	PUNCT
ajbmeb-3047	145	1	–	–	PUNCT
ajbmeb-3047	145	2	2012	2012	NUM
ajbmeb-3047	145	3	.	.	PUNCT
ajbmeb-3047	146	1	–	–	PUNCT
ajbmeb-3047	146	2	№	№	NOUN
ajbmeb-3047	146	3	3	3	NUM
ajbmeb-3047	146	4	.	.	PUNCT
ajbmeb-3047	146	5	–	–	PUNCT
ajbmeb-3047	146	6	с	с	NOUN
ajbmeb-3047	146	7	.	.	PUNCT
ajbmeb-3047	147	1	182–189	182–189	NUM
ajbmeb-3047	147	2	.	.	NOUN
ajbmeb-3047	148	1	3	3	X
ajbmeb-3047	148	2	.	.	X
ajbmeb-3047	148	3	белоглазова	белоглазова	PRON
ajbmeb-3047	148	4	г.н	г.н	PROPN
ajbmeb-3047	148	5	.	.	PROPN
ajbmeb-3047	148	6	банковское	банковское	PROPN
ajbmeb-3047	148	7	дело	дело	PROPN
ajbmeb-3047	148	8	.	.	PUNCT
ajbmeb-3047	149	1	/	/	PUNCT
ajbmeb-3047	149	2	г.н	г.н	PROPN
ajbmeb-3047	149	3	.	.	NOUN
ajbmeb-3047	149	4	белоглазова	белоглазова	PROPN
ajbmeb-3047	149	5	,	,	PUNCT
ajbmeb-3047	149	6	л.п	л.п	PROPN
ajbmeb-3047	149	7	.	.	PROPN
ajbmeb-3047	149	8	кроликовецкая	кроликовецкая	PROPN
ajbmeb-3047	149	9	–	–	PUNCT
ajbmeb-3047	149	10	москва	москва	PROPN
ajbmeb-3047	149	11	:	:	PUNCT
ajbmeb-3047	149	12	финансы	финансы	VERB
ajbmeb-3047	149	13	и	и	PROPN
ajbmeb-3047	149	14	статистика	статистика	ADJ
ajbmeb-3047	149	15	,	,	PUNCT
ajbmeb-3047	149	16	2014	2014	NUM
ajbmeb-3047	149	17	.	.	PUNCT
ajbmeb-3047	150	1	–	–	PUNCT
ajbmeb-3047	150	2	368	368	NUM
ajbmeb-3047	150	3	с	с	NOUN
ajbmeb-3047	150	4	.	.	PROPN
ajbmeb-3047	151	1	4	4	NUM
ajbmeb-3047	151	2	.	.	NUM
ajbmeb-3047	151	3	горюкова	горюкова	NOUN
ajbmeb-3047	151	4	о	о	PRON
ajbmeb-3047	151	5	.	.	PUNCT
ajbmeb-3047	152	1	в	в	PROPN
ajbmeb-3047	152	2	.	.	PROPN
ajbmeb-3047	153	1	модели	модели	PROPN
ajbmeb-3047	153	2	финансовой	финансовой	PROPN
ajbmeb-3047	153	3	устойчивости	устойчивости	PROPN
ajbmeb-3047	153	4	кредитных	кредитных	PROPN
ajbmeb-3047	153	5	организаций	организаций	PROPN
ajbmeb-3047	153	6	.	.	PUNCT
ajbmeb-3047	154	1	москва	москва	PROPN
ajbmeb-3047	154	2	:	:	PUNCT
ajbmeb-3047	154	3	директ	директ	ADJ
ajbmeb-3047	154	4	-	-	PUNCT
ajbmeb-3047	154	5	медиа	медиа	NOUN
ajbmeb-3047	154	6	,	,	PUNCT
ajbmeb-3047	154	7	2014	2014	NUM
ajbmeb-3047	154	8	.	.	PUNCT
ajbmeb-3047	155	1	–	–	PUNCT
ajbmeb-3047	155	2	250	250	NUM
ajbmeb-3047	155	3	c.	c.	NOUN
ajbmeb-3047	155	4	5	5	NUM
ajbmeb-3047	155	5	.	.	PUNCT
ajbmeb-3047	155	6	николаева	николаева	PROPN
ajbmeb-3047	156	1	т.п	т.п	PROPN
ajbmeb-3047	156	2	.	.	PROPN
ajbmeb-3047	156	3	финансы	финансы	PROPN
ajbmeb-3047	156	4	банков	банков	PROPN
ajbmeb-3047	156	5	.	.	PUNCT
ajbmeb-3047	157	1	москва	москва	PROPN
ajbmeb-3047	157	2	:	:	PUNCT
ajbmeb-3047	157	3	иц	иц	VERB
ajbmeb-3047	157	4	ефои	ефои	PROPN
ajbmeb-3047	157	5	,	,	PUNCT
ajbmeb-3047	157	6	2016	2016	NUM
ajbmeb-3047	157	7	.	.	PUNCT
ajbmeb-3047	158	1	–	–	PUNCT
ajbmeb-3047	158	2	142	142	NUM
ajbmeb-3047	158	3	с	с	NOUN
ajbmeb-3047	158	4	.	.	PUNCT