id	sid	tid	token	lemma	pos
ajbmeb-3152	1	1	american	american	PROPN
ajbmeb-3152	1	2	journal	journal	PROPN
ajbmeb-3152	1	3	of	of	ADP
ajbmeb-3152	1	4	business	business	NOUN
ajbmeb-3152	1	5	management	management	NOUN
ajbmeb-3152	1	6	,	,	PUNCT
ajbmeb-3152	1	7	economics	economic	NOUN
ajbmeb-3152	1	8	and	and	CCONJ
ajbmeb-3152	1	9	banking	banking	NOUN
ajbmeb-3152	1	10	issn	issn	PROPN
ajbmeb-3152	1	11	(	(	PUNCT
ajbmeb-3152	1	12	e	e	NOUN
ajbmeb-3152	1	13	):	):	PUNCT
ajbmeb-3152	1	14	2832	2832	NUM
ajbmeb-3152	1	15	-	-	SYM
ajbmeb-3152	1	16	8078	8078	NUM
ajbmeb-3152	1	17	volume	volume	NOUN
ajbmeb-3152	1	18	41	41	NUM
ajbmeb-3152	1	19	,	,	PUNCT
ajbmeb-3152	1	20	october	october	PROPN
ajbmeb-3152	1	21	2025	2025	NUM
ajbmeb-3152	1	22	p	p	NOUN
ajbmeb-3152	1	23	a	a	DET
ajbmeb-3152	1	24	g	g	NOUN
ajbmeb-3152	1	25	e	e	NOUN
ajbmeb-3152	2	1	|	|	NOUN
ajbmeb-3152	2	2	110	110	NUM
ajbmeb-3152	2	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	2	4	the	the	DET
ajbmeb-3152	2	5	role	role	NOUN
ajbmeb-3152	2	6	of	of	ADP
ajbmeb-3152	2	7	deposit	deposit	NOUN
ajbmeb-3152	2	8	policy	policy	NOUN
ajbmeb-3152	2	9	of	of	ADP
ajbmeb-3152	2	10	commercial	commercial	ADJ
ajbmeb-3152	2	11	banks	bank	NOUN
ajbmeb-3152	2	12	in	in	ADP
ajbmeb-3152	2	13	increasing	increase	VERB
ajbmeb-3152	2	14	the	the	DET
ajbmeb-3152	2	15	resource	resource	NOUN
ajbmeb-3152	2	16	capacity	capacity	NOUN
ajbmeb-3152	2	17	of	of	ADP
ajbmeb-3152	2	18	banks	bank	NOUN
ajbmeb-3152	2	19	jurayev	jurayev	PROPN
ajbmeb-3152	2	20	i.	i.	PROPN
ajbmeb-3152	2	21	i.	i.	PROPN
ajbmeb-3152	2	22	tdiu	tdiu	PROPN
ajbmeb-3152	2	23	,	,	PUNCT
ajbmeb-3152	2	24	associate	associate	ADJ
ajbmeb-3152	2	25	professor	professor	NOUN
ajbmeb-3152	2	26	of	of	ADP
ajbmeb-3152	2	27	the	the	DET
ajbmeb-3152	2	28	"	"	PUNCT
ajbmeb-3152	2	29	international	international	ADJ
ajbmeb-3152	2	30	finance	finance	NOUN
ajbmeb-3152	2	31	"	"	PUNCT
ajbmeb-3152	2	32	department	department	NOUN
ajbmeb-3152	2	33	orcid.org/0000-0002-5607-0089	orcid.org/0000-0002-5607-0089	VERB
ajbmeb-3152	2	34	a	a	DET
ajbmeb-3152	2	35	b	b	PROPN
ajbmeb-3152	2	36	s	s	ADP
ajbmeb-3152	2	37	t	t	PROPN
ajbmeb-3152	2	38	r	r	NOUN
ajbmeb-3152	2	39	a	a	DET
ajbmeb-3152	2	40	c	c	NOUN
ajbmeb-3152	2	41	t	t	NOUN
ajbmeb-3152	2	42	k	k	X
ajbmeb-3152	2	43	e	e	PROPN
ajbmeb-3152	2	44	y	y	PROPN
ajbmeb-3152	2	45	w	w	NOUN
ajbmeb-3152	2	46	o	o	NOUN
ajbmeb-3152	2	47	r	r	NOUN
ajbmeb-3152	2	48	d	d	X
ajbmeb-3152	2	49	s	s	VERB
ajbmeb-3152	2	50	this	this	DET
ajbmeb-3152	2	51	article	article	NOUN
ajbmeb-3152	2	52	analyzes	analyze	VERB
ajbmeb-3152	2	53	the	the	DET
ajbmeb-3152	2	54	deposit	deposit	NOUN
ajbmeb-3152	2	55	policy	policy	NOUN
ajbmeb-3152	2	56	of	of	ADP
ajbmeb-3152	2	57	commercial	commercial	ADJ
ajbmeb-3152	2	58	banks	bank	NOUN
ajbmeb-3152	2	59	and	and	CCONJ
ajbmeb-3152	2	60	its	its	PRON
ajbmeb-3152	2	61	impact	impact	NOUN
ajbmeb-3152	2	62	on	on	ADP
ajbmeb-3152	2	63	financial	financial	ADJ
ajbmeb-3152	2	64	stability	stability	NOUN
ajbmeb-3152	2	65	and	and	CCONJ
ajbmeb-3152	2	66	liquidity	liquidity	NOUN
ajbmeb-3152	2	67	management	management	NOUN
ajbmeb-3152	2	68	from	from	ADP
ajbmeb-3152	2	69	a	a	DET
ajbmeb-3152	2	70	theoretical	theoretical	ADJ
ajbmeb-3152	2	71	and	and	CCONJ
ajbmeb-3152	2	72	practical	practical	ADJ
ajbmeb-3152	2	73	point	point	NOUN
ajbmeb-3152	2	74	of	of	ADP
ajbmeb-3152	2	75	view	view	NOUN
ajbmeb-3152	2	76	.	.	PUNCT
ajbmeb-3152	3	1	bank	bank	NOUN
ajbmeb-3152	3	2	deposits	deposit	NOUN
ajbmeb-3152	3	3	are	be	AUX
ajbmeb-3152	3	4	considered	consider	VERB
ajbmeb-3152	3	5	as	as	ADP
ajbmeb-3152	3	6	the	the	DET
ajbmeb-3152	3	7	main	main	ADJ
ajbmeb-3152	3	8	factors	factor	NOUN
ajbmeb-3152	3	9	affecting	affect	VERB
ajbmeb-3152	3	10	the	the	DET
ajbmeb-3152	3	11	long	long	ADJ
ajbmeb-3152	3	12	-	-	PUNCT
ajbmeb-3152	3	13	term	term	NOUN
ajbmeb-3152	3	14	stability	stability	NOUN
ajbmeb-3152	3	15	and	and	CCONJ
ajbmeb-3152	3	16	liquidity	liquidity	NOUN
ajbmeb-3152	3	17	risks	risk	NOUN
ajbmeb-3152	3	18	of	of	ADP
ajbmeb-3152	3	19	the	the	DET
ajbmeb-3152	3	20	banking	banking	NOUN
ajbmeb-3152	3	21	system	system	NOUN
ajbmeb-3152	3	22	.	.	PUNCT
ajbmeb-3152	4	1	scientifically	scientifically	ADV
ajbmeb-3152	4	2	based	base	VERB
ajbmeb-3152	4	3	proposals	proposal	NOUN
ajbmeb-3152	4	4	have	have	AUX
ajbmeb-3152	4	5	also	also	ADV
ajbmeb-3152	4	6	been	be	AUX
ajbmeb-3152	4	7	developed	develop	VERB
ajbmeb-3152	4	8	to	to	PART
ajbmeb-3152	4	9	increase	increase	VERB
ajbmeb-3152	4	10	the	the	DET
ajbmeb-3152	4	11	efficiency	efficiency	NOUN
ajbmeb-3152	4	12	of	of	ADP
ajbmeb-3152	4	13	deposit	deposit	NOUN
ajbmeb-3152	4	14	attraction	attraction	NOUN
ajbmeb-3152	4	15	,	,	PUNCT
ajbmeb-3152	4	16	minimize	minimize	VERB
ajbmeb-3152	4	17	liquidity	liquidity	NOUN
ajbmeb-3152	4	18	risks	risk	NOUN
ajbmeb-3152	4	19	and	and	CCONJ
ajbmeb-3152	4	20	maintain	maintain	VERB
ajbmeb-3152	4	21	an	an	DET
ajbmeb-3152	4	22	interest	interest	NOUN
ajbmeb-3152	4	23	policy	policy	NOUN
ajbmeb-3152	4	24	flexible	flexible	ADJ
ajbmeb-3152	4	25	to	to	ADP
ajbmeb-3152	4	26	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	4	27	changes	change	NOUN
ajbmeb-3152	4	28	.	.	PUNCT
ajbmeb-3152	5	1	deposit	deposit	NOUN
ajbmeb-3152	5	2	policy	policy	NOUN
ajbmeb-3152	5	3	,	,	PUNCT
ajbmeb-3152	5	4	bank	bank	NOUN
ajbmeb-3152	5	5	liquidity	liquidity	NOUN
ajbmeb-3152	5	6	,	,	PUNCT
ajbmeb-3152	5	7	financial	financial	ADJ
ajbmeb-3152	5	8	stability	stability	NOUN
ajbmeb-3152	5	9	,	,	PUNCT
ajbmeb-3152	5	10	time	time	NOUN
ajbmeb-3152	5	11	deposits	deposit	NOUN
ajbmeb-3152	5	12	,	,	PUNCT
ajbmeb-3152	5	13	savings	saving	NOUN
ajbmeb-3152	5	14	deposits	deposit	NOUN
ajbmeb-3152	5	15	,	,	PUNCT
ajbmeb-3152	5	16	interest	interest	NOUN
ajbmeb-3152	5	17	rate	rate	NOUN
ajbmeb-3152	5	18	policy	policy	NOUN
ajbmeb-3152	5	19	,	,	PUNCT
ajbmeb-3152	5	20	inflationary	inflationary	ADJ
ajbmeb-3152	5	21	effects	effect	NOUN
ajbmeb-3152	5	22	,	,	PUNCT
ajbmeb-3152	5	23	lending	lending	NOUN
ajbmeb-3152	5	24	opportunities	opportunity	NOUN
ajbmeb-3152	5	25	,	,	PUNCT
ajbmeb-3152	5	26	bank	bank	NOUN
ajbmeb-3152	5	27	resources	resource	NOUN
ajbmeb-3152	5	28	,	,	PUNCT
ajbmeb-3152	5	29	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	5	30	analysis	analysis	NOUN
ajbmeb-3152	5	31	,	,	PUNCT
ajbmeb-3152	5	32	financial	financial	ADJ
ajbmeb-3152	5	33	risks	risk	NOUN
ajbmeb-3152	5	34	.	.	PUNCT
ajbmeb-3152	6	1	introduction	introduction	NOUN
ajbmeb-3152	6	2	in	in	ADP
ajbmeb-3152	6	3	the	the	DET
ajbmeb-3152	6	4	modern	modern	ADJ
ajbmeb-3152	6	5	banking	banking	NOUN
ajbmeb-3152	6	6	system	system	NOUN
ajbmeb-3152	6	7	,	,	PUNCT
ajbmeb-3152	6	8	deposit	deposit	NOUN
ajbmeb-3152	6	9	policy	policy	NOUN
ajbmeb-3152	6	10	is	be	AUX
ajbmeb-3152	6	11	one	one	NUM
ajbmeb-3152	6	12	of	of	ADP
ajbmeb-3152	6	13	the	the	DET
ajbmeb-3152	6	14	main	main	ADJ
ajbmeb-3152	6	15	factors	factor	NOUN
ajbmeb-3152	6	16	determining	determine	VERB
ajbmeb-3152	6	17	the	the	DET
ajbmeb-3152	6	18	financial	financial	ADJ
ajbmeb-3152	6	19	stability	stability	NOUN
ajbmeb-3152	6	20	and	and	CCONJ
ajbmeb-3152	6	21	development	development	NOUN
ajbmeb-3152	6	22	strategy	strategy	NOUN
ajbmeb-3152	6	23	of	of	ADP
ajbmeb-3152	6	24	commercial	commercial	ADJ
ajbmeb-3152	6	25	banks	bank	NOUN
ajbmeb-3152	6	26	.	.	PUNCT
ajbmeb-3152	7	1	deposits	deposit	NOUN
ajbmeb-3152	7	2	attracted	attract	VERB
ajbmeb-3152	7	3	by	by	ADP
ajbmeb-3152	7	4	banks	bank	NOUN
ajbmeb-3152	7	5	serve	serve	VERB
ajbmeb-3152	7	6	not	not	PART
ajbmeb-3152	7	7	only	only	ADV
ajbmeb-3152	7	8	as	as	ADP
ajbmeb-3152	7	9	a	a	DET
ajbmeb-3152	7	10	means	means	NOUN
ajbmeb-3152	7	11	of	of	ADP
ajbmeb-3152	7	12	ensuring	ensure	VERB
ajbmeb-3152	7	13	liquidity	liquidity	NOUN
ajbmeb-3152	7	14	,	,	PUNCT
ajbmeb-3152	7	15	but	but	CCONJ
ajbmeb-3152	7	16	also	also	ADV
ajbmeb-3152	7	17	as	as	ADP
ajbmeb-3152	7	18	an	an	DET
ajbmeb-3152	7	19	important	important	ADJ
ajbmeb-3152	7	20	financial	financial	ADJ
ajbmeb-3152	7	21	source	source	NOUN
ajbmeb-3152	7	22	for	for	ADP
ajbmeb-3152	7	23	lending	lending	NOUN
ajbmeb-3152	7	24	and	and	CCONJ
ajbmeb-3152	7	25	investment	investment	NOUN
ajbmeb-3152	7	26	activities	activity	NOUN
ajbmeb-3152	7	27	.	.	PUNCT
ajbmeb-3152	8	1	therefore	therefore	ADV
ajbmeb-3152	8	2	,	,	PUNCT
ajbmeb-3152	8	3	improving	improve	VERB
ajbmeb-3152	8	4	the	the	DET
ajbmeb-3152	8	5	mechanisms	mechanism	NOUN
ajbmeb-3152	8	6	for	for	ADP
ajbmeb-3152	8	7	effective	effective	ADJ
ajbmeb-3152	8	8	deposit	deposit	NOUN
ajbmeb-3152	8	9	management	management	NOUN
ajbmeb-3152	8	10	and	and	CCONJ
ajbmeb-3152	8	11	their	their	PRON
ajbmeb-3152	8	12	attraction	attraction	NOUN
ajbmeb-3152	8	13	is	be	AUX
ajbmeb-3152	8	14	becoming	become	VERB
ajbmeb-3152	8	15	one	one	NUM
ajbmeb-3152	8	16	of	of	ADP
ajbmeb-3152	8	17	the	the	DET
ajbmeb-3152	8	18	priority	priority	NOUN
ajbmeb-3152	8	19	tasks	task	NOUN
ajbmeb-3152	8	20	for	for	ADP
ajbmeb-3152	8	21	banks	bank	NOUN
ajbmeb-3152	8	22	.	.	PUNCT
ajbmeb-3152	9	1	in	in	ADP
ajbmeb-3152	9	2	particular	particular	ADJ
ajbmeb-3152	9	3	,	,	PUNCT
ajbmeb-3152	9	4	changes	change	NOUN
ajbmeb-3152	9	5	in	in	ADP
ajbmeb-3152	9	6	the	the	DET
ajbmeb-3152	9	7	global	global	ADJ
ajbmeb-3152	9	8	economy	economy	NOUN
ajbmeb-3152	9	9	,	,	PUNCT
ajbmeb-3152	9	10	the	the	DET
ajbmeb-3152	9	11	acceleration	acceleration	NOUN
ajbmeb-3152	9	12	of	of	ADP
ajbmeb-3152	9	13	digital	digital	ADJ
ajbmeb-3152	9	14	banking	banking	NOUN
ajbmeb-3152	9	15	processes	process	NOUN
ajbmeb-3152	9	16	,	,	PUNCT
ajbmeb-3152	9	17	and	and	CCONJ
ajbmeb-3152	9	18	the	the	DET
ajbmeb-3152	9	19	demand	demand	NOUN
ajbmeb-3152	9	20	for	for	ADP
ajbmeb-3152	9	21	individualization	individualization	NOUN
ajbmeb-3152	9	22	of	of	ADP
ajbmeb-3152	9	23	customers	customer	NOUN
ajbmeb-3152	9	24	'	'	PART
ajbmeb-3152	9	25	financial	financial	ADJ
ajbmeb-3152	9	26	interests	interest	NOUN
ajbmeb-3152	9	27	require	require	VERB
ajbmeb-3152	9	28	new	new	ADJ
ajbmeb-3152	9	29	approaches	approach	NOUN
ajbmeb-3152	9	30	to	to	PART
ajbmeb-3152	9	31	deposit	deposit	NOUN
ajbmeb-3152	9	32	policy	policy	NOUN
ajbmeb-3152	9	33	.	.	PUNCT
ajbmeb-3152	10	1	different	different	ADJ
ajbmeb-3152	10	2	forms	form	NOUN
ajbmeb-3152	10	3	of	of	ADP
ajbmeb-3152	10	4	deposits	deposit	NOUN
ajbmeb-3152	10	5	and	and	CCONJ
ajbmeb-3152	10	6	their	their	PRON
ajbmeb-3152	10	7	duration	duration	NOUN
ajbmeb-3152	10	8	play	play	VERB
ajbmeb-3152	10	9	an	an	DET
ajbmeb-3152	10	10	important	important	ADJ
ajbmeb-3152	10	11	role	role	NOUN
ajbmeb-3152	10	12	in	in	ADP
ajbmeb-3152	10	13	the	the	DET
ajbmeb-3152	10	14	formation	formation	NOUN
ajbmeb-3152	10	15	of	of	ADP
ajbmeb-3152	10	16	bank	bank	NOUN
ajbmeb-3152	10	17	resources	resource	NOUN
ajbmeb-3152	10	18	.	.	PUNCT
ajbmeb-3152	11	1	while	while	SCONJ
ajbmeb-3152	11	2	demand	demand	NOUN
ajbmeb-3152	11	3	deposits	deposit	NOUN
ajbmeb-3152	11	4	provide	provide	VERB
ajbmeb-3152	11	5	liquidity	liquidity	NOUN
ajbmeb-3152	11	6	for	for	ADP
ajbmeb-3152	11	7	banks	bank	NOUN
ajbmeb-3152	11	8	,	,	PUNCT
ajbmeb-3152	11	9	long	long	ADJ
ajbmeb-3152	11	10	-	-	PUNCT
ajbmeb-3152	11	11	term	term	NOUN
ajbmeb-3152	11	12	deposits	deposit	NOUN
ajbmeb-3152	11	13	are	be	AUX
ajbmeb-3152	11	14	important	important	ADJ
ajbmeb-3152	11	15	for	for	ADP
ajbmeb-3152	11	16	effective	effective	ADJ
ajbmeb-3152	11	17	organization	organization	NOUN
ajbmeb-3152	11	18	of	of	ADP
ajbmeb-3152	11	19	lending	lending	NOUN
ajbmeb-3152	11	20	activities	activity	NOUN
ajbmeb-3152	11	21	and	and	CCONJ
ajbmeb-3152	11	22	investment	investment	NOUN
ajbmeb-3152	11	23	policy	policy	NOUN
ajbmeb-3152	11	24	.	.	PUNCT
ajbmeb-3152	12	1	for	for	ADP
ajbmeb-3152	12	2	banks	bank	NOUN
ajbmeb-3152	12	3	,	,	PUNCT
ajbmeb-3152	12	4	the	the	DET
ajbmeb-3152	12	5	term	term	NOUN
ajbmeb-3152	12	6	composition	composition	NOUN
ajbmeb-3152	12	7	of	of	ADP
ajbmeb-3152	12	8	deposits	deposit	NOUN
ajbmeb-3152	12	9	is	be	AUX
ajbmeb-3152	12	10	a	a	DET
ajbmeb-3152	12	11	decisive	decisive	ADJ
ajbmeb-3152	12	12	factor	factor	NOUN
ajbmeb-3152	12	13	in	in	ADP
ajbmeb-3152	12	14	managing	manage	VERB
ajbmeb-3152	12	15	their	their	PRON
ajbmeb-3152	12	16	financial	financial	ADJ
ajbmeb-3152	12	17	risks	risk	NOUN
ajbmeb-3152	12	18	and	and	CCONJ
ajbmeb-3152	12	19	ensuring	ensure	VERB
ajbmeb-3152	12	20	the	the	DET
ajbmeb-3152	12	21	balance	balance	NOUN
ajbmeb-3152	12	22	between	between	ADP
ajbmeb-3152	12	23	assets	asset	NOUN
ajbmeb-3152	12	24	and	and	CCONJ
ajbmeb-3152	12	25	liabilities	liability	NOUN
ajbmeb-3152	12	26	.	.	PUNCT
ajbmeb-3152	13	1	therefore	therefore	ADV
ajbmeb-3152	13	2	,	,	PUNCT
ajbmeb-3152	13	3	when	when	SCONJ
ajbmeb-3152	13	4	formulating	formulate	VERB
ajbmeb-3152	13	5	the	the	DET
ajbmeb-3152	13	6	deposit	deposit	NOUN
ajbmeb-3152	13	7	policy	policy	NOUN
ajbmeb-3152	13	8	,	,	PUNCT
ajbmeb-3152	13	9	commercial	commercial	ADJ
ajbmeb-3152	13	10	banks	bank	NOUN
ajbmeb-3152	13	11	must	must	AUX
ajbmeb-3152	13	12	thoroughly	thoroughly	ADV
ajbmeb-3152	13	13	analyze	analyze	VERB
ajbmeb-3152	13	14	the	the	DET
ajbmeb-3152	13	15	market	market	NOUN
ajbmeb-3152	13	16	situation	situation	NOUN
ajbmeb-3152	13	17	,	,	PUNCT
ajbmeb-3152	13	18	interest	interest	NOUN
ajbmeb-3152	13	19	rate	rate	NOUN
ajbmeb-3152	13	20	dynamics	dynamic	NOUN
ajbmeb-3152	13	21	and	and	CCONJ
ajbmeb-3152	13	22	the	the	DET
ajbmeb-3152	13	23	requirements	requirement	NOUN
ajbmeb-3152	13	24	of	of	ADP
ajbmeb-3152	13	25	customer	customer	NOUN
ajbmeb-3152	13	26	segments	segment	NOUN
ajbmeb-3152	13	27	.	.	PUNCT
ajbmeb-3152	14	1	in	in	ADP
ajbmeb-3152	14	2	this	this	PRON
ajbmeb-3152	14	3	,	,	PUNCT
ajbmeb-3152	14	4	the	the	DET
ajbmeb-3152	14	5	possibility	possibility	NOUN
ajbmeb-3152	14	6	of	of	ADP
ajbmeb-3152	14	7	personalization	personalization	NOUN
ajbmeb-3152	14	8	and	and	CCONJ
ajbmeb-3152	14	9	optimization	optimization	NOUN
ajbmeb-3152	14	10	of	of	ADP
ajbmeb-3152	14	11	the	the	DET
ajbmeb-3152	14	12	deposit	deposit	NOUN
ajbmeb-3152	14	13	strategy	strategy	NOUN
ajbmeb-3152	14	14	is	be	AUX
ajbmeb-3152	14	15	expanding	expand	VERB
ajbmeb-3152	14	16	through	through	ADP
ajbmeb-3152	14	17	the	the	DET
ajbmeb-3152	14	18	use	use	NOUN
ajbmeb-3152	14	19	of	of	ADP
ajbmeb-3152	14	20	artificial	artificial	ADJ
ajbmeb-3152	14	21	intelligence	intelligence	NOUN
ajbmeb-3152	14	22	and	and	CCONJ
ajbmeb-3152	14	23	data	datum	NOUN
ajbmeb-3152	14	24	analysis	analysis	NOUN
ajbmeb-3152	14	25	technologies	technology	NOUN
ajbmeb-3152	14	26	.	.	PUNCT
ajbmeb-3152	15	1	the	the	DET
ajbmeb-3152	15	2	deposit	deposit	NOUN
ajbmeb-3152	15	3	policy	policy	NOUN
ajbmeb-3152	15	4	of	of	ADP
ajbmeb-3152	15	5	commercial	commercial	ADJ
ajbmeb-3152	15	6	banks	bank	NOUN
ajbmeb-3152	15	7	is	be	AUX
ajbmeb-3152	15	8	one	one	NUM
ajbmeb-3152	15	9	of	of	ADP
ajbmeb-3152	15	10	the	the	DET
ajbmeb-3152	15	11	main	main	ADJ
ajbmeb-3152	15	12	tools	tool	NOUN
ajbmeb-3152	15	13	that	that	PRON
ajbmeb-3152	15	14	determine	determine	VERB
ajbmeb-3152	15	15	their	their	PRON
ajbmeb-3152	15	16	competitiveness	competitiveness	NOUN
ajbmeb-3152	15	17	.	.	PUNCT
ajbmeb-3152	16	1	because	because	SCONJ
ajbmeb-3152	16	2	the	the	DET
ajbmeb-3152	16	3	types	type	NOUN
ajbmeb-3152	16	4	of	of	ADP
ajbmeb-3152	16	5	deposit	deposit	NOUN
ajbmeb-3152	16	6	products	product	NOUN
ajbmeb-3152	16	7	,	,	PUNCT
ajbmeb-3152	16	8	interest	interest	NOUN
ajbmeb-3152	16	9	rates	rate	NOUN
ajbmeb-3152	16	10	and	and	CCONJ
ajbmeb-3152	16	11	incentive	incentive	NOUN
ajbmeb-3152	16	12	mechanisms	mechanism	NOUN
ajbmeb-3152	16	13	offered	offer	VERB
ajbmeb-3152	16	14	by	by	ADP
ajbmeb-3152	16	15	banks	bank	NOUN
ajbmeb-3152	16	16	play	play	VERB
ajbmeb-3152	16	17	an	an	DET
ajbmeb-3152	16	18	important	important	ADJ
ajbmeb-3152	16	19	role	role	NOUN
ajbmeb-3152	16	20	in	in	ADP
ajbmeb-3152	16	21	the	the	DET
ajbmeb-3152	16	22	formation	formation	NOUN
ajbmeb-3152	16	23	of	of	ADP
ajbmeb-3152	16	24	customer	customer	NOUN
ajbmeb-3152	16	25	confidence	confidence	NOUN
ajbmeb-3152	16	26	.	.	PUNCT
ajbmeb-3152	17	1	in	in	ADP
ajbmeb-3152	17	2	the	the	DET
ajbmeb-3152	17	3	conditions	condition	NOUN
ajbmeb-3152	17	4	of	of	ADP
ajbmeb-3152	17	5	market	market	NOUN
ajbmeb-3152	17	6	stability	stability	NOUN
ajbmeb-3152	17	7	and	and	CCONJ
ajbmeb-3152	17	8	american	american	ADJ
ajbmeb-3152	17	9	journal	journal	PROPN
ajbmeb-3152	17	10	of	of	ADP
ajbmeb-3152	17	11	business	business	NOUN
ajbmeb-3152	17	12	management	management	NOUN
ajbmeb-3152	17	13	,	,	PUNCT
ajbmeb-3152	17	14	economics	economic	NOUN
ajbmeb-3152	17	15	and	and	CCONJ
ajbmeb-3152	17	16	banking	banking	NOUN
ajbmeb-3152	17	17	volume	volume	NOUN
ajbmeb-3152	18	1	41	41	NUM
ajbmeb-3152	18	2	october2025	october2025	PROPN
ajbmeb-3152	18	3	p	p	NOUN
ajbmeb-3152	18	4	a	a	DET
ajbmeb-3152	18	5	g	g	NOUN
ajbmeb-3152	18	6	e	e	NOUN
ajbmeb-3152	18	7	|	|	ADV
ajbmeb-3152	18	8	111	111	NUM
ajbmeb-3152	18	9	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	18	10	interbank	interbank	NOUN
ajbmeb-3152	18	11	competition	competition	NOUN
ajbmeb-3152	18	12	,	,	PUNCT
ajbmeb-3152	18	13	banks	bank	NOUN
ajbmeb-3152	18	14	are	be	AUX
ajbmeb-3152	18	15	required	require	VERB
ajbmeb-3152	18	16	to	to	PART
ajbmeb-3152	18	17	use	use	VERB
ajbmeb-3152	18	18	innovative	innovative	ADJ
ajbmeb-3152	18	19	approaches	approach	NOUN
ajbmeb-3152	18	20	,	,	PUNCT
ajbmeb-3152	18	21	including	include	VERB
ajbmeb-3152	18	22	digital	digital	ADJ
ajbmeb-3152	18	23	deposit	deposit	NOUN
ajbmeb-3152	18	24	services	service	NOUN
ajbmeb-3152	18	25	,	,	PUNCT
ajbmeb-3152	18	26	mobile	mobile	ADJ
ajbmeb-3152	18	27	banking	banking	NOUN
ajbmeb-3152	18	28	platforms	platform	NOUN
ajbmeb-3152	18	29	and	and	CCONJ
ajbmeb-3152	18	30	specialized	specialized	ADJ
ajbmeb-3152	18	31	financial	financial	ADJ
ajbmeb-3152	18	32	instruments	instrument	NOUN
ajbmeb-3152	18	33	,	,	PUNCT
ajbmeb-3152	18	34	to	to	PART
ajbmeb-3152	18	35	strengthen	strengthen	VERB
ajbmeb-3152	18	36	the	the	DET
ajbmeb-3152	18	37	deposit	deposit	NOUN
ajbmeb-3152	18	38	base	base	NOUN
ajbmeb-3152	18	39	.	.	PUNCT
ajbmeb-3152	19	1	also	also	ADV
ajbmeb-3152	19	2	,	,	PUNCT
ajbmeb-3152	19	3	effective	effective	ADJ
ajbmeb-3152	19	4	management	management	NOUN
ajbmeb-3152	19	5	of	of	ADP
ajbmeb-3152	19	6	the	the	DET
ajbmeb-3152	19	7	deposit	deposit	NOUN
ajbmeb-3152	19	8	base	base	NOUN
ajbmeb-3152	19	9	reduces	reduce	VERB
ajbmeb-3152	19	10	the	the	DET
ajbmeb-3152	19	11	overall	overall	ADJ
ajbmeb-3152	19	12	liquidity	liquidity	NOUN
ajbmeb-3152	19	13	risks	risk	NOUN
ajbmeb-3152	19	14	of	of	ADP
ajbmeb-3152	19	15	banks	bank	NOUN
ajbmeb-3152	19	16	and	and	CCONJ
ajbmeb-3152	19	17	increases	increase	VERB
ajbmeb-3152	19	18	their	their	PRON
ajbmeb-3152	19	19	financial	financial	ADJ
ajbmeb-3152	19	20	stability	stability	NOUN
ajbmeb-3152	19	21	.	.	PUNCT
ajbmeb-3152	20	1	literature	literature	NOUN
ajbmeb-3152	20	2	review	review	PROPN
ajbmeb-3152	20	3	according	accord	VERB
ajbmeb-3152	20	4	to	to	ADP
ajbmeb-3152	20	5	g.g	g.g	PROPN
ajbmeb-3152	20	6	.	.	PROPN
ajbmeb-3152	20	7	korobova	korobova	PROPN
ajbmeb-3152	20	8	,	,	PUNCT
ajbmeb-3152	20	9	“	"	PUNCT
ajbmeb-3152	20	10	deposit	deposit	NOUN
ajbmeb-3152	20	11	policy	policy	NOUN
ajbmeb-3152	20	12	is	be	AUX
ajbmeb-3152	20	13	a	a	DET
ajbmeb-3152	20	14	set	set	NOUN
ajbmeb-3152	20	15	of	of	ADP
ajbmeb-3152	20	16	measures	measure	NOUN
ajbmeb-3152	20	17	aimed	aim	VERB
ajbmeb-3152	20	18	at	at	ADP
ajbmeb-3152	20	19	determining	determine	VERB
ajbmeb-3152	20	20	the	the	DET
ajbmeb-3152	20	21	forms	form	NOUN
ajbmeb-3152	20	22	,	,	PUNCT
ajbmeb-3152	20	23	tasks	task	NOUN
ajbmeb-3152	20	24	and	and	CCONJ
ajbmeb-3152	20	25	content	content	NOUN
ajbmeb-3152	20	26	of	of	ADP
ajbmeb-3152	20	27	banking	banking	NOUN
ajbmeb-3152	20	28	activities	activity	NOUN
ajbmeb-3152	20	29	carried	carry	VERB
ajbmeb-3152	20	30	out	out	ADP
ajbmeb-3152	20	31	by	by	ADP
ajbmeb-3152	20	32	a	a	DET
ajbmeb-3152	20	33	commercial	commercial	ADJ
ajbmeb-3152	20	34	bank	bank	NOUN
ajbmeb-3152	20	35	to	to	PART
ajbmeb-3152	20	36	form	form	VERB
ajbmeb-3152	20	37	,	,	PUNCT
ajbmeb-3152	20	38	plan	plan	NOUN
ajbmeb-3152	20	39	and	and	CCONJ
ajbmeb-3152	20	40	regulate	regulate	VERB
ajbmeb-3152	20	41	bank	bank	NOUN
ajbmeb-3152	20	42	resources	resource	NOUN
ajbmeb-3152	20	43	”	"	PUNCT
ajbmeb-3152	20	44	[	[	X
ajbmeb-3152	20	45	1	1	NUM
ajbmeb-3152	20	46	]	]	PUNCT
ajbmeb-3152	20	47	.	.	PUNCT
ajbmeb-3152	21	1	according	accord	VERB
ajbmeb-3152	21	2	to	to	ADP
ajbmeb-3152	21	3	tertychna	tertychna	PROPN
ajbmeb-3152	21	4	,	,	PUNCT
ajbmeb-3152	21	5	n.	n.	PROPN
ajbmeb-3152	21	6	v.	v.	PROPN
ajbmeb-3152	21	7	,	,	PUNCT
ajbmeb-3152	21	8	deposit	deposit	NOUN
ajbmeb-3152	21	9	policy	policy	NOUN
ajbmeb-3152	21	10	is	be	AUX
ajbmeb-3152	21	11	understood	understand	VERB
ajbmeb-3152	21	12	as	as	ADP
ajbmeb-3152	21	13	a	a	DET
ajbmeb-3152	21	14	targeted	target	VERB
ajbmeb-3152	21	15	activity	activity	NOUN
ajbmeb-3152	21	16	of	of	ADP
ajbmeb-3152	21	17	a	a	DET
ajbmeb-3152	21	18	bank	bank	NOUN
ajbmeb-3152	21	19	to	to	PART
ajbmeb-3152	21	20	attract	attract	VERB
ajbmeb-3152	21	21	deposits	deposit	NOUN
ajbmeb-3152	21	22	,	,	PUNCT
ajbmeb-3152	21	23	effectively	effectively	ADV
ajbmeb-3152	21	24	manage	manage	VERB
ajbmeb-3152	21	25	them	they	PRON
ajbmeb-3152	21	26	and	and	CCONJ
ajbmeb-3152	21	27	stabilize	stabilize	VERB
ajbmeb-3152	21	28	the	the	DET
ajbmeb-3152	21	29	resource	resource	NOUN
ajbmeb-3152	21	30	base[2	base[2	ADP
ajbmeb-3152	21	31	]	]	PUNCT
ajbmeb-3152	21	32	.	.	PUNCT
ajbmeb-3152	22	1	deposit	deposit	NOUN
ajbmeb-3152	22	2	policy	policy	NOUN
ajbmeb-3152	22	3	is	be	AUX
ajbmeb-3152	22	4	a	a	DET
ajbmeb-3152	22	5	strategy	strategy	NOUN
ajbmeb-3152	22	6	aimed	aim	VERB
ajbmeb-3152	22	7	at	at	ADP
ajbmeb-3152	22	8	ensuring	ensure	VERB
ajbmeb-3152	22	9	the	the	DET
ajbmeb-3152	22	10	stable	stable	ADJ
ajbmeb-3152	22	11	operation	operation	NOUN
ajbmeb-3152	22	12	and	and	CCONJ
ajbmeb-3152	22	13	competitiveness	competitiveness	NOUN
ajbmeb-3152	22	14	of	of	ADP
ajbmeb-3152	22	15	a	a	DET
ajbmeb-3152	22	16	bank	bank	NOUN
ajbmeb-3152	22	17	and	and	CCONJ
ajbmeb-3152	22	18	includes	include	VERB
ajbmeb-3152	22	19	such	such	ADJ
ajbmeb-3152	22	20	processes	process	NOUN
ajbmeb-3152	22	21	as	as	ADP
ajbmeb-3152	22	22	organizing	organize	VERB
ajbmeb-3152	22	23	deposit	deposit	NOUN
ajbmeb-3152	22	24	operations	operation	NOUN
ajbmeb-3152	22	25	,	,	PUNCT
ajbmeb-3152	22	26	expanding	expand	VERB
ajbmeb-3152	22	27	the	the	DET
ajbmeb-3152	22	28	customer	customer	NOUN
ajbmeb-3152	22	29	base	base	NOUN
ajbmeb-3152	22	30	,	,	PUNCT
ajbmeb-3152	22	31	improving	improve	VERB
ajbmeb-3152	22	32	the	the	DET
ajbmeb-3152	22	33	quality	quality	NOUN
ajbmeb-3152	22	34	of	of	ADP
ajbmeb-3152	22	35	deposit	deposit	NOUN
ajbmeb-3152	22	36	services	service	NOUN
ajbmeb-3152	22	37	and	and	CCONJ
ajbmeb-3152	22	38	managing	manage	VERB
ajbmeb-3152	22	39	liquidity	liquidity	NOUN
ajbmeb-3152	22	40	.	.	PUNCT
ajbmeb-3152	23	1	hrabar	hrabar	PROPN
ajbmeb-3152	23	2	,	,	PUNCT
ajbmeb-3152	23	3	zh	zh	PROPN
ajbmeb-3152	23	4	.	.	PUNCT
ajbmeb-3152	24	1	v.	v.	PROPN
ajbmeb-3152	24	2	and	and	CCONJ
ajbmeb-3152	24	3	maliasova	maliasova	PROPN
ajbmeb-3152	24	4	,	,	PUNCT
ajbmeb-3152	24	5	i.	i.	PROPN
ajbmeb-3152	24	6	v.	v.	PROPN
ajbmeb-3152	24	7	emphasize	emphasize	VERB
ajbmeb-3152	24	8	that	that	SCONJ
ajbmeb-3152	24	9	the	the	DET
ajbmeb-3152	24	10	effectiveness	effectiveness	NOUN
ajbmeb-3152	24	11	of	of	ADP
ajbmeb-3152	24	12	deposit	deposit	NOUN
ajbmeb-3152	24	13	policy	policy	NOUN
ajbmeb-3152	24	14	is	be	AUX
ajbmeb-3152	24	15	understood	understand	VERB
ajbmeb-3152	24	16	as	as	ADP
ajbmeb-3152	24	17	the	the	DET
ajbmeb-3152	24	18	effectiveness	effectiveness	NOUN
ajbmeb-3152	24	19	of	of	ADP
ajbmeb-3152	24	20	measures	measure	NOUN
ajbmeb-3152	24	21	aimed	aim	VERB
ajbmeb-3152	24	22	at	at	ADP
ajbmeb-3152	24	23	increasing	increase	VERB
ajbmeb-3152	24	24	the	the	DET
ajbmeb-3152	24	25	amount	amount	NOUN
ajbmeb-3152	24	26	of	of	ADP
ajbmeb-3152	24	27	deposits	deposit	NOUN
ajbmeb-3152	24	28	attracted	attract	VERB
ajbmeb-3152	24	29	by	by	ADP
ajbmeb-3152	24	30	a	a	DET
ajbmeb-3152	24	31	bank	bank	NOUN
ajbmeb-3152	24	32	,	,	PUNCT
ajbmeb-3152	24	33	diversifying	diversify	VERB
ajbmeb-3152	24	34	them	they	PRON
ajbmeb-3152	24	35	and	and	CCONJ
ajbmeb-3152	24	36	stabilizing	stabilize	VERB
ajbmeb-3152	24	37	the	the	DET
ajbmeb-3152	24	38	resource	resource	NOUN
ajbmeb-3152	24	39	base[3	base[3	PROPN
ajbmeb-3152	24	40	]	]	PUNCT
ajbmeb-3152	24	41	.	.	PUNCT
ajbmeb-3152	25	1	in	in	ADP
ajbmeb-3152	25	2	their	their	PRON
ajbmeb-3152	25	3	opinion	opinion	NOUN
ajbmeb-3152	25	4	,	,	PUNCT
ajbmeb-3152	25	5	deposit	deposit	NOUN
ajbmeb-3152	25	6	policy	policy	NOUN
ajbmeb-3152	25	7	plays	play	VERB
ajbmeb-3152	25	8	an	an	DET
ajbmeb-3152	25	9	important	important	ADJ
ajbmeb-3152	25	10	role	role	NOUN
ajbmeb-3152	25	11	in	in	ADP
ajbmeb-3152	25	12	effectively	effectively	ADV
ajbmeb-3152	25	13	managing	manage	VERB
ajbmeb-3152	25	14	bank	bank	NOUN
ajbmeb-3152	25	15	liquidity	liquidity	NOUN
ajbmeb-3152	25	16	and	and	CCONJ
ajbmeb-3152	25	17	ensuring	ensure	VERB
ajbmeb-3152	25	18	financial	financial	ADJ
ajbmeb-3152	25	19	stability	stability	NOUN
ajbmeb-3152	25	20	.	.	PUNCT
ajbmeb-3152	26	1	in	in	ADP
ajbmeb-3152	26	2	order	order	NOUN
ajbmeb-3152	26	3	to	to	PART
ajbmeb-3152	26	4	increase	increase	VERB
ajbmeb-3152	26	5	the	the	DET
ajbmeb-3152	26	6	effectiveness	effectiveness	NOUN
ajbmeb-3152	26	7	of	of	ADP
ajbmeb-3152	26	8	deposit	deposit	NOUN
ajbmeb-3152	26	9	policy	policy	NOUN
ajbmeb-3152	26	10	,	,	PUNCT
ajbmeb-3152	26	11	banks	bank	NOUN
ajbmeb-3152	26	12	should	should	AUX
ajbmeb-3152	26	13	implement	implement	VERB
ajbmeb-3152	26	14	measures	measure	NOUN
ajbmeb-3152	26	15	aimed	aim	VERB
ajbmeb-3152	26	16	at	at	ADP
ajbmeb-3152	26	17	attracting	attract	VERB
ajbmeb-3152	26	18	new	new	ADJ
ajbmeb-3152	26	19	clients	client	NOUN
ajbmeb-3152	26	20	,	,	PUNCT
ajbmeb-3152	26	21	expanding	expand	VERB
ajbmeb-3152	26	22	deposit	deposit	NOUN
ajbmeb-3152	26	23	services	service	NOUN
ajbmeb-3152	26	24	and	and	CCONJ
ajbmeb-3152	26	25	strengthening	strengthen	VERB
ajbmeb-3152	26	26	long	long	ADJ
ajbmeb-3152	26	27	-	-	PUNCT
ajbmeb-3152	26	28	term	term	NOUN
ajbmeb-3152	26	29	relationships	relationship	NOUN
ajbmeb-3152	26	30	with	with	ADP
ajbmeb-3152	26	31	existing	exist	VERB
ajbmeb-3152	26	32	clients	client	NOUN
ajbmeb-3152	26	33	.	.	PUNCT
ajbmeb-3152	27	1	according	accord	VERB
ajbmeb-3152	27	2	to	to	ADP
ajbmeb-3152	27	3	gerasimenko	gerasimenko	PROPN
ajbmeb-3152	27	4	r.a	r.a	PROPN
ajbmeb-3152	27	5	.	.	PROPN
ajbmeb-3152	27	6	's	's	PART
ajbmeb-3152	27	7	research	research	NOUN
ajbmeb-3152	27	8	,	,	PUNCT
ajbmeb-3152	27	9	deposit	deposit	NOUN
ajbmeb-3152	27	10	policy	policy	NOUN
ajbmeb-3152	27	11	refers	refer	VERB
ajbmeb-3152	27	12	to	to	ADP
ajbmeb-3152	27	13	a	a	DET
ajbmeb-3152	27	14	system	system	NOUN
ajbmeb-3152	27	15	of	of	ADP
ajbmeb-3152	27	16	strategic	strategic	ADJ
ajbmeb-3152	27	17	plans	plan	NOUN
ajbmeb-3152	27	18	and	and	CCONJ
ajbmeb-3152	27	19	practical	practical	ADJ
ajbmeb-3152	27	20	measures	measure	NOUN
ajbmeb-3152	27	21	aimed	aim	VERB
ajbmeb-3152	27	22	at	at	ADP
ajbmeb-3152	27	23	forming	form	VERB
ajbmeb-3152	27	24	the	the	DET
ajbmeb-3152	27	25	structure	structure	NOUN
ajbmeb-3152	27	26	of	of	ADP
ajbmeb-3152	27	27	funds	fund	NOUN
ajbmeb-3152	27	28	attracted	attract	VERB
ajbmeb-3152	27	29	by	by	ADP
ajbmeb-3152	27	30	commercial	commercial	ADJ
ajbmeb-3152	27	31	banks	bank	NOUN
ajbmeb-3152	27	32	,	,	PUNCT
ajbmeb-3152	27	33	increasing	increase	VERB
ajbmeb-3152	27	34	their	their	PRON
ajbmeb-3152	27	35	amount	amount	NOUN
ajbmeb-3152	27	36	and	and	CCONJ
ajbmeb-3152	27	37	diversifying	diversify	VERB
ajbmeb-3152	27	38	[	[	X
ajbmeb-3152	27	39	4	4	NUM
ajbmeb-3152	27	40	]	]	PUNCT
ajbmeb-3152	27	41	.	.	PUNCT
ajbmeb-3152	28	1	he	he	PRON
ajbmeb-3152	28	2	said	say	VERB
ajbmeb-3152	28	3	that	that	SCONJ
ajbmeb-3152	28	4	the	the	DET
ajbmeb-3152	28	5	deposit	deposit	NOUN
ajbmeb-3152	28	6	policy	policy	NOUN
ajbmeb-3152	28	7	should	should	AUX
ajbmeb-3152	28	8	be	be	AUX
ajbmeb-3152	28	9	aimed	aim	VERB
ajbmeb-3152	28	10	at	at	ADP
ajbmeb-3152	28	11	maintaining	maintain	VERB
ajbmeb-3152	28	12	the	the	DET
ajbmeb-3152	28	13	liquidity	liquidity	NOUN
ajbmeb-3152	28	14	of	of	ADP
ajbmeb-3152	28	15	the	the	DET
ajbmeb-3152	28	16	bank	bank	NOUN
ajbmeb-3152	28	17	,	,	PUNCT
ajbmeb-3152	28	18	ensuring	ensure	VERB
ajbmeb-3152	28	19	financial	financial	ADJ
ajbmeb-3152	28	20	stability	stability	NOUN
ajbmeb-3152	28	21	and	and	CCONJ
ajbmeb-3152	28	22	strengthening	strengthen	VERB
ajbmeb-3152	28	23	the	the	DET
ajbmeb-3152	28	24	resource	resource	NOUN
ajbmeb-3152	28	25	base	base	NOUN
ajbmeb-3152	28	26	in	in	ADP
ajbmeb-3152	28	27	a	a	DET
ajbmeb-3152	28	28	long	long	ADJ
ajbmeb-3152	28	29	-	-	PUNCT
ajbmeb-3152	28	30	term	term	NOUN
ajbmeb-3152	28	31	way	way	NOUN
ajbmeb-3152	28	32	.	.	PUNCT
ajbmeb-3152	29	1	the	the	DET
ajbmeb-3152	29	2	aim	aim	NOUN
ajbmeb-3152	29	3	of	of	ADP
ajbmeb-3152	29	4	the	the	DET
ajbmeb-3152	29	5	bank	bank	NOUN
ajbmeb-3152	29	6	is	be	AUX
ajbmeb-3152	29	7	to	to	PART
ajbmeb-3152	29	8	increase	increase	VERB
ajbmeb-3152	29	9	the	the	DET
ajbmeb-3152	29	10	amount	amount	NOUN
ajbmeb-3152	29	11	of	of	ADP
ajbmeb-3152	29	12	deposits	deposit	NOUN
ajbmeb-3152	29	13	and	and	CCONJ
ajbmeb-3152	29	14	manage	manage	VERB
ajbmeb-3152	29	15	them	they	PRON
ajbmeb-3152	29	16	efficiently	efficiently	ADV
ajbmeb-3152	29	17	by	by	ADP
ajbmeb-3152	29	18	meeting	meet	VERB
ajbmeb-3152	29	19	the	the	DET
ajbmeb-3152	29	20	various	various	ADJ
ajbmeb-3152	29	21	requirements	requirement	NOUN
ajbmeb-3152	29	22	of	of	ADP
ajbmeb-3152	29	23	the	the	DET
ajbmeb-3152	29	24	customers	customer	NOUN
ajbmeb-3152	29	25	.	.	PUNCT
ajbmeb-3152	30	1	zhukov	zhukov	PROPN
ajbmeb-3152	30	2	e.f	e.f	PROPN
ajbmeb-3152	30	3	.	.	PROPN
ajbmeb-3152	30	4	in	in	ADP
ajbmeb-3152	30	5	his	his	PRON
ajbmeb-3152	30	6	research	research	NOUN
ajbmeb-3152	30	7	,	,	PUNCT
ajbmeb-3152	30	8	deposit	deposit	NOUN
ajbmeb-3152	30	9	policy	policy	NOUN
ajbmeb-3152	30	10	means	mean	VERB
ajbmeb-3152	30	11	the	the	DET
ajbmeb-3152	30	12	system	system	NOUN
ajbmeb-3152	30	13	of	of	ADP
ajbmeb-3152	30	14	measures	measure	NOUN
ajbmeb-3152	30	15	taken	take	VERB
ajbmeb-3152	30	16	by	by	ADP
ajbmeb-3152	30	17	commercial	commercial	ADJ
ajbmeb-3152	30	18	banks	bank	NOUN
ajbmeb-3152	30	19	to	to	PART
ajbmeb-3152	30	20	attract	attract	VERB
ajbmeb-3152	30	21	deposits	deposit	NOUN
ajbmeb-3152	30	22	from	from	ADP
ajbmeb-3152	30	23	customers	customer	NOUN
ajbmeb-3152	30	24	and	and	CCONJ
ajbmeb-3152	30	25	manage	manage	VERB
ajbmeb-3152	30	26	them	they	PRON
ajbmeb-3152	30	27	.	.	PUNCT
ajbmeb-3152	31	1	he	he	PRON
ajbmeb-3152	31	2	noted	note	VERB
ajbmeb-3152	31	3	that	that	SCONJ
ajbmeb-3152	31	4	the	the	DET
ajbmeb-3152	31	5	deposit	deposit	NOUN
ajbmeb-3152	31	6	policy	policy	NOUN
ajbmeb-3152	31	7	is	be	AUX
ajbmeb-3152	31	8	one	one	NUM
ajbmeb-3152	31	9	of	of	ADP
ajbmeb-3152	31	10	the	the	DET
ajbmeb-3152	31	11	main	main	ADJ
ajbmeb-3152	31	12	means	mean	NOUN
ajbmeb-3152	31	13	of	of	ADP
ajbmeb-3152	31	14	ensuring	ensure	VERB
ajbmeb-3152	31	15	liquidity	liquidity	NOUN
ajbmeb-3152	31	16	for	for	ADP
ajbmeb-3152	31	17	the	the	DET
ajbmeb-3152	31	18	bank	bank	NOUN
ajbmeb-3152	31	19	,	,	PUNCT
ajbmeb-3152	31	20	which	which	PRON
ajbmeb-3152	31	21	is	be	AUX
ajbmeb-3152	31	22	important	important	ADJ
ajbmeb-3152	31	23	in	in	ADP
ajbmeb-3152	31	24	increasing	increase	VERB
ajbmeb-3152	31	25	the	the	DET
ajbmeb-3152	31	26	stability	stability	NOUN
ajbmeb-3152	31	27	and	and	CCONJ
ajbmeb-3152	31	28	profitability	profitability	NOUN
ajbmeb-3152	31	29	of	of	ADP
ajbmeb-3152	31	30	the	the	DET
ajbmeb-3152	31	31	bank	bank	NOUN
ajbmeb-3152	31	32	's	's	PART
ajbmeb-3152	31	33	activities	activity	NOUN
ajbmeb-3152	31	34	.	.	PUNCT
ajbmeb-3152	32	1	according	accord	VERB
ajbmeb-3152	32	2	to	to	ADP
ajbmeb-3152	32	3	zhukov	zhukov	PROPN
ajbmeb-3152	32	4	,	,	PUNCT
ajbmeb-3152	32	5	an	an	DET
ajbmeb-3152	32	6	effective	effective	ADJ
ajbmeb-3152	32	7	deposit	deposit	NOUN
ajbmeb-3152	32	8	policy	policy	NOUN
ajbmeb-3152	32	9	includes	include	VERB
ajbmeb-3152	32	10	such	such	ADJ
ajbmeb-3152	32	11	processes	process	NOUN
ajbmeb-3152	32	12	as	as	ADP
ajbmeb-3152	32	13	attracting	attract	VERB
ajbmeb-3152	32	14	customers	customer	NOUN
ajbmeb-3152	32	15	,	,	PUNCT
ajbmeb-3152	32	16	keeping	keep	VERB
ajbmeb-3152	32	17	them	they	PRON
ajbmeb-3152	32	18	long	long	ADJ
ajbmeb-3152	32	19	-	-	PUNCT
ajbmeb-3152	32	20	term	term	NOUN
ajbmeb-3152	32	21	,	,	PUNCT
ajbmeb-3152	32	22	and	and	CCONJ
ajbmeb-3152	32	23	setting	set	VERB
ajbmeb-3152	32	24	interest	interest	NOUN
ajbmeb-3152	32	25	rates	rate	NOUN
ajbmeb-3152	32	26	at	at	ADP
ajbmeb-3152	32	27	an	an	DET
ajbmeb-3152	32	28	optimal	optimal	ADJ
ajbmeb-3152	32	29	level[5	level[5	NOUN
ajbmeb-3152	32	30	]	]	PUNCT
ajbmeb-3152	32	31	.	.	PUNCT
ajbmeb-3152	33	1	according	accord	VERB
ajbmeb-3152	33	2	to	to	ADP
ajbmeb-3152	33	3	e.f	e.f	PROPN
ajbmeb-3152	33	4	.	.	PROPN
ajbmeb-3152	33	5	zhukov	zhukov	PROPN
ajbmeb-3152	33	6	,	,	PUNCT
ajbmeb-3152	33	7	interest	interest	NOUN
ajbmeb-3152	33	8	rates	rate	NOUN
ajbmeb-3152	33	9	and	and	CCONJ
ajbmeb-3152	33	10	the	the	DET
ajbmeb-3152	33	11	mechanism	mechanism	NOUN
ajbmeb-3152	33	12	for	for	ADP
ajbmeb-3152	33	13	attracting	attract	VERB
ajbmeb-3152	33	14	customers	customer	NOUN
ajbmeb-3152	33	15	play	play	VERB
ajbmeb-3152	33	16	an	an	DET
ajbmeb-3152	33	17	important	important	ADJ
ajbmeb-3152	33	18	role	role	NOUN
ajbmeb-3152	33	19	in	in	ADP
ajbmeb-3152	33	20	deposit	deposit	NOUN
ajbmeb-3152	33	21	policy	policy	NOUN
ajbmeb-3152	33	22	.	.	PUNCT
ajbmeb-3152	34	1	according	accord	VERB
ajbmeb-3152	34	2	to	to	ADP
ajbmeb-3152	34	3	his	his	PRON
ajbmeb-3152	34	4	theoretical	theoretical	ADJ
ajbmeb-3152	34	5	approach	approach	NOUN
ajbmeb-3152	34	6	,	,	PUNCT
ajbmeb-3152	34	7	by	by	ADP
ajbmeb-3152	34	8	adjusting	adjust	VERB
ajbmeb-3152	34	9	interest	interest	NOUN
ajbmeb-3152	34	10	rates	rate	NOUN
ajbmeb-3152	34	11	,	,	PUNCT
ajbmeb-3152	34	12	commercial	commercial	ADJ
ajbmeb-3152	34	13	banks	bank	NOUN
ajbmeb-3152	34	14	have	have	VERB
ajbmeb-3152	34	15	the	the	DET
ajbmeb-3152	34	16	opportunity	opportunity	NOUN
ajbmeb-3152	34	17	to	to	PART
ajbmeb-3152	34	18	meet	meet	VERB
ajbmeb-3152	34	19	the	the	DET
ajbmeb-3152	34	20	needs	need	NOUN
ajbmeb-3152	34	21	of	of	ADP
ajbmeb-3152	34	22	different	different	ADJ
ajbmeb-3152	34	23	customer	customer	NOUN
ajbmeb-3152	34	24	segments	segment	NOUN
ajbmeb-3152	34	25	.	.	PUNCT
ajbmeb-3152	35	1	thus	thus	ADV
ajbmeb-3152	35	2	,	,	PUNCT
ajbmeb-3152	35	3	banks	bank	NOUN
ajbmeb-3152	35	4	reduce	reduce	VERB
ajbmeb-3152	35	5	their	their	PRON
ajbmeb-3152	35	6	liquidity	liquidity	NOUN
ajbmeb-3152	35	7	risks	risk	NOUN
ajbmeb-3152	35	8	and	and	CCONJ
ajbmeb-3152	35	9	optimize	optimize	VERB
ajbmeb-3152	35	10	deposit	deposit	NOUN
ajbmeb-3152	35	11	resources	resource	NOUN
ajbmeb-3152	35	12	.	.	PUNCT
ajbmeb-3152	36	1	zhukov	zhukov	PROPN
ajbmeb-3152	36	2	emphasizes	emphasize	VERB
ajbmeb-3152	36	3	that	that	SCONJ
ajbmeb-3152	36	4	by	by	ADP
ajbmeb-3152	36	5	developing	develop	VERB
ajbmeb-3152	36	6	interest	interest	NOUN
ajbmeb-3152	36	7	rates	rate	NOUN
ajbmeb-3152	36	8	that	that	PRON
ajbmeb-3152	36	9	meet	meet	VERB
ajbmeb-3152	36	10	the	the	DET
ajbmeb-3152	36	11	various	various	ADJ
ajbmeb-3152	36	12	needs	need	NOUN
ajbmeb-3152	36	13	of	of	ADP
ajbmeb-3152	36	14	customers	customer	NOUN
ajbmeb-3152	36	15	,	,	PUNCT
ajbmeb-3152	36	16	banks	bank	NOUN
ajbmeb-3152	36	17	increase	increase	VERB
ajbmeb-3152	36	18	their	their	PRON
ajbmeb-3152	36	19	competitiveness	competitiveness	NOUN
ajbmeb-3152	36	20	and	and	CCONJ
ajbmeb-3152	36	21	have	have	VERB
ajbmeb-3152	36	22	the	the	DET
ajbmeb-3152	36	23	opportunity	opportunity	NOUN
ajbmeb-3152	36	24	to	to	PART
ajbmeb-3152	36	25	effectively	effectively	ADV
ajbmeb-3152	36	26	manage	manage	VERB
ajbmeb-3152	36	27	deposit	deposit	NOUN
ajbmeb-3152	36	28	operations	operation	NOUN
ajbmeb-3152	36	29	.	.	PUNCT
ajbmeb-3152	37	1	for	for	ADP
ajbmeb-3152	37	2	commercial	commercial	ADJ
ajbmeb-3152	37	3	banks	bank	NOUN
ajbmeb-3152	37	4	,	,	PUNCT
ajbmeb-3152	37	5	the	the	DET
ajbmeb-3152	37	6	effectiveness	effectiveness	NOUN
ajbmeb-3152	37	7	of	of	ADP
ajbmeb-3152	37	8	deposit	deposit	NOUN
ajbmeb-3152	37	9	policy	policy	NOUN
ajbmeb-3152	37	10	is	be	AUX
ajbmeb-3152	37	11	a	a	DET
ajbmeb-3152	37	12	set	set	NOUN
ajbmeb-3152	37	13	of	of	ADP
ajbmeb-3152	37	14	important	important	ADJ
ajbmeb-3152	37	15	measures	measure	NOUN
ajbmeb-3152	37	16	aimed	aim	VERB
ajbmeb-3152	37	17	at	at	ADP
ajbmeb-3152	37	18	maintaining	maintain	VERB
ajbmeb-3152	37	19	the	the	DET
ajbmeb-3152	37	20	bank	bank	NOUN
ajbmeb-3152	37	21	's	's	PART
ajbmeb-3152	37	22	liquidity	liquidity	NOUN
ajbmeb-3152	37	23	,	,	PUNCT
ajbmeb-3152	37	24	ensuring	ensure	VERB
ajbmeb-3152	37	25	financial	financial	ADJ
ajbmeb-3152	37	26	stability	stability	NOUN
ajbmeb-3152	37	27	and	and	CCONJ
ajbmeb-3152	37	28	strengthening	strengthen	VERB
ajbmeb-3152	37	29	its	its	PRON
ajbmeb-3152	37	30	resource	resource	NOUN
ajbmeb-3152	37	31	base	base	NOUN
ajbmeb-3152	37	32	.	.	PUNCT
ajbmeb-3152	38	1	banks	bank	NOUN
ajbmeb-3152	38	2	can	can	AUX
ajbmeb-3152	38	3	increase	increase	VERB
ajbmeb-3152	38	4	their	their	PRON
ajbmeb-3152	38	5	competitiveness	competitiveness	NOUN
ajbmeb-3152	38	6	by	by	ADP
ajbmeb-3152	38	7	increasing	increase	VERB
ajbmeb-3152	38	8	the	the	DET
ajbmeb-3152	38	9	amount	amount	NOUN
ajbmeb-3152	38	10	of	of	ADP
ajbmeb-3152	38	11	deposits	deposit	NOUN
ajbmeb-3152	38	12	,	,	PUNCT
ajbmeb-3152	38	13	diversifying	diversify	VERB
ajbmeb-3152	38	14	them	they	PRON
ajbmeb-3152	38	15	,	,	PUNCT
ajbmeb-3152	38	16	attracting	attract	VERB
ajbmeb-3152	38	17	new	new	ADJ
ajbmeb-3152	38	18	customers	customer	NOUN
ajbmeb-3152	38	19	and	and	CCONJ
ajbmeb-3152	38	20	maintaining	maintain	VERB
ajbmeb-3152	38	21	long	long	ADJ
ajbmeb-3152	38	22	-	-	PUNCT
ajbmeb-3152	38	23	term	term	NOUN
ajbmeb-3152	38	24	relationships	relationship	NOUN
ajbmeb-3152	38	25	with	with	ADP
ajbmeb-3152	38	26	existing	exist	VERB
ajbmeb-3152	38	27	customers	customer	NOUN
ajbmeb-3152	38	28	.	.	PUNCT
ajbmeb-3152	39	1	it	it	PRON
ajbmeb-3152	39	2	is	be	AUX
ajbmeb-3152	39	3	also	also	ADV
ajbmeb-3152	39	4	important	important	ADJ
ajbmeb-3152	39	5	to	to	PART
ajbmeb-3152	39	6	strengthen	strengthen	VERB
ajbmeb-3152	39	7	the	the	DET
ajbmeb-3152	39	8	effectiveness	effectiveness	NOUN
ajbmeb-3152	39	9	of	of	ADP
ajbmeb-3152	39	10	deposit	deposit	NOUN
ajbmeb-3152	39	11	policy	policy	NOUN
ajbmeb-3152	39	12	by	by	ADP
ajbmeb-3152	39	13	expanding	expand	VERB
ajbmeb-3152	39	14	deposit	deposit	NOUN
ajbmeb-3152	39	15	services	service	NOUN
ajbmeb-3152	39	16	.	.	PUNCT
ajbmeb-3152	40	1	american	american	ADJ
ajbmeb-3152	40	2	journal	journal	PROPN
ajbmeb-3152	40	3	of	of	ADP
ajbmeb-3152	40	4	business	business	NOUN
ajbmeb-3152	40	5	management	management	NOUN
ajbmeb-3152	40	6	,	,	PUNCT
ajbmeb-3152	40	7	economics	economic	NOUN
ajbmeb-3152	40	8	and	and	CCONJ
ajbmeb-3152	40	9	banking	banking	NOUN
ajbmeb-3152	40	10	volume	volume	NOUN
ajbmeb-3152	40	11	41	41	NUM
ajbmeb-3152	41	1	october2025	october2025	PROPN
ajbmeb-3152	41	2	p	p	NOUN
ajbmeb-3152	41	3	a	a	DET
ajbmeb-3152	41	4	g	g	NOUN
ajbmeb-3152	41	5	e	e	NOUN
ajbmeb-3152	41	6	|	|	ADP
ajbmeb-3152	41	7	112	112	NUM
ajbmeb-3152	41	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	41	9	research	research	NOUN
ajbmeb-3152	41	10	methodology	methodology	NOUN
ajbmeb-3152	41	11	research	research	NOUN
ajbmeb-3152	41	12	methodology	methodology	NOUN
ajbmeb-3152	41	13	includes	include	VERB
ajbmeb-3152	41	14	methods	method	NOUN
ajbmeb-3152	41	15	of	of	ADP
ajbmeb-3152	41	16	analysis	analysis	NOUN
ajbmeb-3152	41	17	and	and	CCONJ
ajbmeb-3152	41	18	synthesis	synthesis	NOUN
ajbmeb-3152	41	19	,	,	PUNCT
ajbmeb-3152	41	20	modeling	modeling	NOUN
ajbmeb-3152	41	21	,	,	PUNCT
ajbmeb-3152	41	22	evaluation	evaluation	NOUN
ajbmeb-3152	41	23	of	of	ADP
ajbmeb-3152	41	24	economic	economic	ADJ
ajbmeb-3152	41	25	indicators	indicator	NOUN
ajbmeb-3152	41	26	,	,	PUNCT
ajbmeb-3152	41	27	and	and	CCONJ
ajbmeb-3152	41	28	comparative	comparative	ADJ
ajbmeb-3152	41	29	analysis	analysis	NOUN
ajbmeb-3152	41	30	.	.	PUNCT
ajbmeb-3152	42	1	analysis	analysis	NOUN
ajbmeb-3152	42	2	and	and	CCONJ
ajbmeb-3152	42	3	synthesis	synthesis	NOUN
ajbmeb-3152	42	4	methods	method	NOUN
ajbmeb-3152	42	5	are	be	AUX
ajbmeb-3152	42	6	aimed	aim	VERB
ajbmeb-3152	42	7	at	at	ADP
ajbmeb-3152	42	8	in	in	ADP
ajbmeb-3152	42	9	-	-	PUNCT
ajbmeb-3152	42	10	depth	depth	NOUN
ajbmeb-3152	42	11	study	study	NOUN
ajbmeb-3152	42	12	of	of	ADP
ajbmeb-3152	42	13	bank	bank	NOUN
ajbmeb-3152	42	14	deposit	deposit	NOUN
ajbmeb-3152	42	15	policy	policy	NOUN
ajbmeb-3152	42	16	and	and	CCONJ
ajbmeb-3152	42	17	its	its	PRON
ajbmeb-3152	42	18	elements	element	NOUN
ajbmeb-3152	42	19	.	.	PUNCT
ajbmeb-3152	43	1	scenarios	scenario	NOUN
ajbmeb-3152	43	2	for	for	ADP
ajbmeb-3152	43	3	optimizing	optimize	VERB
ajbmeb-3152	43	4	the	the	DET
ajbmeb-3152	43	5	structure	structure	NOUN
ajbmeb-3152	43	6	of	of	ADP
ajbmeb-3152	43	7	deposits	deposit	NOUN
ajbmeb-3152	43	8	are	be	AUX
ajbmeb-3152	43	9	developed	develop	VERB
ajbmeb-3152	43	10	using	use	VERB
ajbmeb-3152	43	11	the	the	DET
ajbmeb-3152	43	12	modeling	modeling	NOUN
ajbmeb-3152	43	13	method	method	NOUN
ajbmeb-3152	43	14	.	.	PUNCT
ajbmeb-3152	44	1	the	the	DET
ajbmeb-3152	44	2	effectiveness	effectiveness	NOUN
ajbmeb-3152	44	3	of	of	ADP
ajbmeb-3152	44	4	the	the	DET
ajbmeb-3152	44	5	deposit	deposit	NOUN
ajbmeb-3152	44	6	policy	policy	NOUN
ajbmeb-3152	44	7	is	be	AUX
ajbmeb-3152	44	8	studied	study	VERB
ajbmeb-3152	44	9	by	by	ADP
ajbmeb-3152	44	10	evaluating	evaluate	VERB
ajbmeb-3152	44	11	economic	economic	ADJ
ajbmeb-3152	44	12	indicators	indicator	NOUN
ajbmeb-3152	44	13	.	.	PUNCT
ajbmeb-3152	45	1	and	and	CCONJ
ajbmeb-3152	45	2	comparative	comparative	ADJ
ajbmeb-3152	45	3	analysis	analysis	NOUN
ajbmeb-3152	45	4	allows	allow	VERB
ajbmeb-3152	45	5	to	to	PART
ajbmeb-3152	45	6	analyze	analyze	VERB
ajbmeb-3152	45	7	foreign	foreign	ADJ
ajbmeb-3152	45	8	and	and	CCONJ
ajbmeb-3152	45	9	national	national	ADJ
ajbmeb-3152	45	10	experiences	experience	NOUN
ajbmeb-3152	45	11	on	on	ADP
ajbmeb-3152	45	12	deposit	deposit	NOUN
ajbmeb-3152	45	13	policy	policy	NOUN
ajbmeb-3152	45	14	.	.	PUNCT
ajbmeb-3152	46	1	analysis	analysis	NOUN
ajbmeb-3152	46	2	and	and	CCONJ
ajbmeb-3152	46	3	discussion	discussion	NOUN
ajbmeb-3152	46	4	of	of	ADP
ajbmeb-3152	46	5	results	result	NOUN
ajbmeb-3152	46	6	when	when	SCONJ
ajbmeb-3152	46	7	assessing	assess	VERB
ajbmeb-3152	46	8	the	the	DET
ajbmeb-3152	46	9	effectiveness	effectiveness	NOUN
ajbmeb-3152	46	10	of	of	ADP
ajbmeb-3152	46	11	the	the	DET
ajbmeb-3152	46	12	deposit	deposit	NOUN
ajbmeb-3152	46	13	policy	policy	NOUN
ajbmeb-3152	46	14	of	of	ADP
ajbmeb-3152	46	15	commercial	commercial	ADJ
ajbmeb-3152	46	16	banks	bank	NOUN
ajbmeb-3152	46	17	,	,	PUNCT
ajbmeb-3152	46	18	the	the	DET
ajbmeb-3152	46	19	main	main	ADJ
ajbmeb-3152	46	20	attention	attention	NOUN
ajbmeb-3152	46	21	is	be	AUX
ajbmeb-3152	46	22	paid	pay	VERB
ajbmeb-3152	46	23	to	to	ADP
ajbmeb-3152	46	24	the	the	DET
ajbmeb-3152	46	25	dynamics	dynamic	NOUN
ajbmeb-3152	46	26	of	of	ADP
ajbmeb-3152	46	27	deposits	deposit	NOUN
ajbmeb-3152	46	28	,	,	PUNCT
ajbmeb-3152	46	29	interest	interest	NOUN
ajbmeb-3152	46	30	rates	rate	NOUN
ajbmeb-3152	46	31	and	and	CCONJ
ajbmeb-3152	46	32	liquidity	liquidity	NOUN
ajbmeb-3152	46	33	.	.	PUNCT
ajbmeb-3152	47	1	in	in	ADP
ajbmeb-3152	47	2	recent	recent	ADJ
ajbmeb-3152	47	3	years	year	NOUN
ajbmeb-3152	47	4	,	,	PUNCT
ajbmeb-3152	47	5	increased	increase	VERB
ajbmeb-3152	47	6	interbank	interbank	NOUN
ajbmeb-3152	47	7	competition	competition	NOUN
ajbmeb-3152	47	8	,	,	PUNCT
ajbmeb-3152	47	9	changing	change	VERB
ajbmeb-3152	47	10	customer	customer	NOUN
ajbmeb-3152	47	11	requirements	requirement	NOUN
ajbmeb-3152	47	12	and	and	CCONJ
ajbmeb-3152	47	13	the	the	DET
ajbmeb-3152	47	14	popularity	popularity	NOUN
ajbmeb-3152	47	15	of	of	ADP
ajbmeb-3152	47	16	digital	digital	ADJ
ajbmeb-3152	47	17	banking	banking	NOUN
ajbmeb-3152	47	18	services	service	NOUN
ajbmeb-3152	47	19	have	have	AUX
ajbmeb-3152	47	20	had	have	VERB
ajbmeb-3152	47	21	a	a	DET
ajbmeb-3152	47	22	significant	significant	ADJ
ajbmeb-3152	47	23	impact	impact	NOUN
ajbmeb-3152	47	24	on	on	ADP
ajbmeb-3152	47	25	deposit	deposit	NOUN
ajbmeb-3152	47	26	policy	policy	NOUN
ajbmeb-3152	47	27	.	.	PUNCT
ajbmeb-3152	48	1	in	in	ADP
ajbmeb-3152	48	2	particular	particular	ADJ
ajbmeb-3152	48	3	,	,	PUNCT
ajbmeb-3152	48	4	the	the	DET
ajbmeb-3152	48	5	share	share	NOUN
ajbmeb-3152	48	6	of	of	ADP
ajbmeb-3152	48	7	term	term	NOUN
ajbmeb-3152	48	8	deposits	deposit	NOUN
ajbmeb-3152	48	9	is	be	AUX
ajbmeb-3152	48	10	crucial	crucial	ADJ
ajbmeb-3152	48	11	for	for	ADP
ajbmeb-3152	48	12	ensuring	ensure	VERB
ajbmeb-3152	48	13	bank	bank	NOUN
ajbmeb-3152	48	14	liquidity	liquidity	NOUN
ajbmeb-3152	48	15	and	and	CCONJ
ajbmeb-3152	48	16	financial	financial	ADJ
ajbmeb-3152	48	17	stability	stability	NOUN
ajbmeb-3152	48	18	,	,	PUNCT
ajbmeb-3152	48	19	and	and	CCONJ
ajbmeb-3152	48	20	maintaining	maintain	VERB
ajbmeb-3152	48	21	a	a	DET
ajbmeb-3152	48	22	balance	balance	NOUN
ajbmeb-3152	48	23	in	in	ADP
ajbmeb-3152	48	24	interest	interest	NOUN
ajbmeb-3152	48	25	rates	rate	NOUN
ajbmeb-3152	48	26	serves	serve	VERB
ajbmeb-3152	48	27	to	to	PART
ajbmeb-3152	48	28	effectively	effectively	ADV
ajbmeb-3152	48	29	use	use	VERB
ajbmeb-3152	48	30	deposit	deposit	NOUN
ajbmeb-3152	48	31	resources	resource	NOUN
ajbmeb-3152	48	32	.	.	PUNCT
ajbmeb-3152	49	1	also	also	ADV
ajbmeb-3152	49	2	,	,	PUNCT
ajbmeb-3152	49	3	mechanisms	mechanism	NOUN
ajbmeb-3152	49	4	developed	develop	VERB
ajbmeb-3152	49	5	based	base	VERB
ajbmeb-3152	49	6	on	on	ADP
ajbmeb-3152	49	7	the	the	DET
ajbmeb-3152	49	8	theory	theory	NOUN
ajbmeb-3152	49	9	of	of	ADP
ajbmeb-3152	49	10	behavioral	behavioral	ADJ
ajbmeb-3152	49	11	economics	economic	NOUN
ajbmeb-3152	49	12	allow	allow	VERB
ajbmeb-3152	49	13	banks	bank	NOUN
ajbmeb-3152	49	14	to	to	PART
ajbmeb-3152	49	15	attract	attract	VERB
ajbmeb-3152	49	16	customers	customer	NOUN
ajbmeb-3152	49	17	and	and	CCONJ
ajbmeb-3152	49	18	extend	extend	VERB
ajbmeb-3152	49	19	deposit	deposit	NOUN
ajbmeb-3152	49	20	terms	term	NOUN
ajbmeb-3152	49	21	.	.	PUNCT
ajbmeb-3152	50	1	the	the	DET
ajbmeb-3152	50	2	trend	trend	NOUN
ajbmeb-3152	50	3	of	of	ADP
ajbmeb-3152	50	4	using	use	VERB
ajbmeb-3152	50	5	digital	digital	ADJ
ajbmeb-3152	50	6	technologies	technology	NOUN
ajbmeb-3152	50	7	in	in	ADP
ajbmeb-3152	50	8	banks	bank	NOUN
ajbmeb-3152	50	9	'	'	PART
ajbmeb-3152	50	10	deposit	deposit	NOUN
ajbmeb-3152	50	11	policies	policy	NOUN
ajbmeb-3152	50	12	is	be	AUX
ajbmeb-3152	50	13	also	also	ADV
ajbmeb-3152	50	14	growing	grow	VERB
ajbmeb-3152	50	15	rapidly	rapidly	ADV
ajbmeb-3152	50	16	.	.	PUNCT
ajbmeb-3152	51	1	analyzing	analyze	VERB
ajbmeb-3152	51	2	customers	customer	NOUN
ajbmeb-3152	51	3	'	'	PART
ajbmeb-3152	51	4	financial	financial	ADJ
ajbmeb-3152	51	5	behavior	behavior	NOUN
ajbmeb-3152	51	6	and	and	CCONJ
ajbmeb-3152	51	7	providing	provide	VERB
ajbmeb-3152	51	8	personalized	personalized	ADJ
ajbmeb-3152	51	9	deposit	deposit	NOUN
ajbmeb-3152	51	10	offers	offer	NOUN
ajbmeb-3152	51	11	through	through	ADP
ajbmeb-3152	51	12	artificial	artificial	ADJ
ajbmeb-3152	51	13	intelligence	intelligence	NOUN
ajbmeb-3152	51	14	and	and	CCONJ
ajbmeb-3152	51	15	big	big	ADJ
ajbmeb-3152	51	16	data	datum	NOUN
ajbmeb-3152	51	17	technologies	technology	NOUN
ajbmeb-3152	51	18	increases	increase	VERB
ajbmeb-3152	51	19	the	the	DET
ajbmeb-3152	51	20	opportunity	opportunity	NOUN
ajbmeb-3152	51	21	to	to	PART
ajbmeb-3152	51	22	strengthen	strengthen	VERB
ajbmeb-3152	51	23	the	the	DET
ajbmeb-3152	51	24	deposit	deposit	NOUN
ajbmeb-3152	51	25	base	base	NOUN
ajbmeb-3152	51	26	.	.	PUNCT
ajbmeb-3152	52	1	against	against	ADP
ajbmeb-3152	52	2	the	the	DET
ajbmeb-3152	52	3	backdrop	backdrop	NOUN
ajbmeb-3152	52	4	of	of	ADP
ajbmeb-3152	52	5	current	current	ADJ
ajbmeb-3152	52	6	global	global	ADJ
ajbmeb-3152	52	7	economic	economic	ADJ
ajbmeb-3152	52	8	changes	change	NOUN
ajbmeb-3152	52	9	,	,	PUNCT
ajbmeb-3152	52	10	strengthening	strengthen	VERB
ajbmeb-3152	52	11	the	the	DET
ajbmeb-3152	52	12	deposit	deposit	NOUN
ajbmeb-3152	52	13	guarantee	guarantee	NOUN
ajbmeb-3152	52	14	system	system	NOUN
ajbmeb-3152	52	15	and	and	CCONJ
ajbmeb-3152	52	16	increasing	increase	VERB
ajbmeb-3152	52	17	customer	customer	NOUN
ajbmeb-3152	52	18	confidence	confidence	NOUN
ajbmeb-3152	52	19	are	be	AUX
ajbmeb-3152	52	20	also	also	ADV
ajbmeb-3152	52	21	important	important	ADJ
ajbmeb-3152	52	22	factors	factor	NOUN
ajbmeb-3152	52	23	affecting	affect	VERB
ajbmeb-3152	52	24	efficiency	efficiency	NOUN
ajbmeb-3152	52	25	.	.	PUNCT
ajbmeb-3152	53	1	the	the	DET
ajbmeb-3152	53	2	introduction	introduction	NOUN
ajbmeb-3152	53	3	of	of	ADP
ajbmeb-3152	53	4	deposit	deposit	NOUN
ajbmeb-3152	53	5	clusters	cluster	NOUN
ajbmeb-3152	53	6	and	and	CCONJ
ajbmeb-3152	53	7	the	the	DET
ajbmeb-3152	53	8	development	development	NOUN
ajbmeb-3152	53	9	of	of	ADP
ajbmeb-3152	53	10	appropriate	appropriate	ADJ
ajbmeb-3152	53	11	interest	interest	NOUN
ajbmeb-3152	53	12	rate	rate	NOUN
ajbmeb-3152	53	13	proposals	proposal	NOUN
ajbmeb-3152	53	14	for	for	ADP
ajbmeb-3152	53	15	different	different	ADJ
ajbmeb-3152	53	16	segments	segment	NOUN
ajbmeb-3152	53	17	will	will	AUX
ajbmeb-3152	53	18	serve	serve	VERB
ajbmeb-3152	53	19	to	to	PART
ajbmeb-3152	53	20	increase	increase	VERB
ajbmeb-3152	53	21	the	the	DET
ajbmeb-3152	53	22	financial	financial	ADJ
ajbmeb-3152	53	23	stability	stability	NOUN
ajbmeb-3152	53	24	and	and	CCONJ
ajbmeb-3152	53	25	competitiveness	competitiveness	NOUN
ajbmeb-3152	53	26	of	of	ADP
ajbmeb-3152	53	27	banks	bank	NOUN
ajbmeb-3152	53	28	.	.	PUNCT
ajbmeb-3152	54	1	deposit	deposit	NOUN
ajbmeb-3152	54	2	policy	policy	NOUN
ajbmeb-3152	54	3	is	be	AUX
ajbmeb-3152	54	4	one	one	NUM
ajbmeb-3152	54	5	of	of	ADP
ajbmeb-3152	54	6	the	the	DET
ajbmeb-3152	54	7	decisive	decisive	ADJ
ajbmeb-3152	54	8	factors	factor	NOUN
ajbmeb-3152	54	9	in	in	ADP
ajbmeb-3152	54	10	a	a	DET
ajbmeb-3152	54	11	bank	bank	NOUN
ajbmeb-3152	54	12	's	's	PART
ajbmeb-3152	54	13	interest	interest	NOUN
ajbmeb-3152	54	14	rate	rate	NOUN
ajbmeb-3152	54	15	policy	policy	NOUN
ajbmeb-3152	54	16	,	,	PUNCT
ajbmeb-3152	54	17	which	which	PRON
ajbmeb-3152	54	18	directly	directly	ADV
ajbmeb-3152	54	19	affects	affect	VERB
ajbmeb-3152	54	20	the	the	DET
ajbmeb-3152	54	21	formation	formation	NOUN
ajbmeb-3152	54	22	of	of	ADP
ajbmeb-3152	54	23	deposit	deposit	NOUN
ajbmeb-3152	54	24	and	and	CCONJ
ajbmeb-3152	54	25	loan	loan	NOUN
ajbmeb-3152	54	26	interest	interest	NOUN
ajbmeb-3152	54	27	rates	rate	NOUN
ajbmeb-3152	54	28	.	.	PUNCT
ajbmeb-3152	55	1	if	if	SCONJ
ajbmeb-3152	55	2	a	a	DET
ajbmeb-3152	55	3	bank	bank	NOUN
ajbmeb-3152	55	4	offers	offer	VERB
ajbmeb-3152	55	5	high	high	ADJ
ajbmeb-3152	55	6	interest	interest	NOUN
ajbmeb-3152	55	7	rates	rate	NOUN
ajbmeb-3152	55	8	when	when	SCONJ
ajbmeb-3152	55	9	attracting	attract	VERB
ajbmeb-3152	55	10	deposits	deposit	NOUN
ajbmeb-3152	55	11	,	,	PUNCT
ajbmeb-3152	55	12	this	this	PRON
ajbmeb-3152	55	13	will	will	AUX
ajbmeb-3152	55	14	also	also	ADV
ajbmeb-3152	55	15	lead	lead	VERB
ajbmeb-3152	55	16	to	to	ADP
ajbmeb-3152	55	17	an	an	DET
ajbmeb-3152	55	18	increase	increase	NOUN
ajbmeb-3152	55	19	in	in	ADP
ajbmeb-3152	55	20	interest	interest	NOUN
ajbmeb-3152	55	21	rates	rate	NOUN
ajbmeb-3152	55	22	on	on	ADP
ajbmeb-3152	55	23	loans	loan	NOUN
ajbmeb-3152	55	24	,	,	PUNCT
ajbmeb-3152	55	25	since	since	SCONJ
ajbmeb-3152	55	26	the	the	DET
ajbmeb-3152	55	27	bank	bank	NOUN
ajbmeb-3152	55	28	seeks	seek	VERB
ajbmeb-3152	55	29	to	to	PART
ajbmeb-3152	55	30	cover	cover	VERB
ajbmeb-3152	55	31	its	its	PRON
ajbmeb-3152	55	32	costs	cost	NOUN
ajbmeb-3152	55	33	and	and	CCONJ
ajbmeb-3152	55	34	maintain	maintain	VERB
ajbmeb-3152	55	35	a	a	DET
ajbmeb-3152	55	36	profit	profit	NOUN
ajbmeb-3152	55	37	margin	margin	NOUN
ajbmeb-3152	55	38	.	.	PUNCT
ajbmeb-3152	56	1	at	at	ADP
ajbmeb-3152	56	2	the	the	DET
ajbmeb-3152	56	3	same	same	ADJ
ajbmeb-3152	56	4	time	time	NOUN
ajbmeb-3152	56	5	,	,	PUNCT
ajbmeb-3152	56	6	low	low	ADJ
ajbmeb-3152	56	7	interest	interest	NOUN
ajbmeb-3152	56	8	rates	rate	NOUN
ajbmeb-3152	56	9	on	on	ADP
ajbmeb-3152	56	10	deposits	deposit	NOUN
ajbmeb-3152	56	11	can	can	AUX
ajbmeb-3152	56	12	limit	limit	VERB
ajbmeb-3152	56	13	the	the	DET
ajbmeb-3152	56	14	bank	bank	NOUN
ajbmeb-3152	56	15	's	's	PART
ajbmeb-3152	56	16	ability	ability	NOUN
ajbmeb-3152	56	17	to	to	PART
ajbmeb-3152	56	18	attract	attract	VERB
ajbmeb-3152	56	19	funds	fund	NOUN
ajbmeb-3152	56	20	and	and	CCONJ
ajbmeb-3152	56	21	negatively	negatively	ADV
ajbmeb-3152	56	22	affect	affect	VERB
ajbmeb-3152	56	23	liquidity	liquidity	NOUN
ajbmeb-3152	56	24	.	.	PUNCT
ajbmeb-3152	57	1	the	the	DET
ajbmeb-3152	57	2	general	general	ADJ
ajbmeb-3152	57	3	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	57	4	environment	environment	NOUN
ajbmeb-3152	57	5	in	in	ADP
ajbmeb-3152	57	6	the	the	DET
ajbmeb-3152	57	7	market	market	NOUN
ajbmeb-3152	57	8	,	,	PUNCT
ajbmeb-3152	57	9	the	the	DET
ajbmeb-3152	57	10	central	central	ADJ
ajbmeb-3152	57	11	bank	bank	NOUN
ajbmeb-3152	57	12	's	's	PART
ajbmeb-3152	57	13	monetary	monetary	ADJ
ajbmeb-3152	57	14	policy	policy	NOUN
ajbmeb-3152	57	15	,	,	PUNCT
ajbmeb-3152	57	16	and	and	CCONJ
ajbmeb-3152	57	17	the	the	DET
ajbmeb-3152	57	18	level	level	NOUN
ajbmeb-3152	57	19	of	of	ADP
ajbmeb-3152	57	20	inflation	inflation	NOUN
ajbmeb-3152	57	21	are	be	AUX
ajbmeb-3152	57	22	also	also	ADV
ajbmeb-3152	57	23	important	important	ADJ
ajbmeb-3152	57	24	factors	factor	NOUN
ajbmeb-3152	57	25	affecting	affect	VERB
ajbmeb-3152	57	26	the	the	DET
ajbmeb-3152	57	27	dynamics	dynamic	NOUN
ajbmeb-3152	57	28	of	of	ADP
ajbmeb-3152	57	29	deposit	deposit	NOUN
ajbmeb-3152	57	30	and	and	CCONJ
ajbmeb-3152	57	31	loan	loan	NOUN
ajbmeb-3152	57	32	interest	interest	NOUN
ajbmeb-3152	57	33	rates	rate	NOUN
ajbmeb-3152	57	34	.	.	PUNCT
ajbmeb-3152	58	1	therefore	therefore	ADV
ajbmeb-3152	58	2	,	,	PUNCT
ajbmeb-3152	58	3	commercial	commercial	ADJ
ajbmeb-3152	58	4	banks	bank	NOUN
ajbmeb-3152	58	5	should	should	AUX
ajbmeb-3152	58	6	maintain	maintain	VERB
ajbmeb-3152	58	7	an	an	DET
ajbmeb-3152	58	8	optimal	optimal	ADJ
ajbmeb-3152	58	9	balance	balance	NOUN
ajbmeb-3152	58	10	in	in	ADP
ajbmeb-3152	58	11	their	their	PRON
ajbmeb-3152	58	12	deposit	deposit	NOUN
ajbmeb-3152	58	13	policy	policy	NOUN
ajbmeb-3152	58	14	,	,	PUNCT
ajbmeb-3152	58	15	that	that	ADV
ajbmeb-3152	58	16	is	is	ADV
ajbmeb-3152	58	17	,	,	PUNCT
ajbmeb-3152	58	18	while	while	SCONJ
ajbmeb-3152	58	19	ensuring	ensure	VERB
ajbmeb-3152	58	20	liquidity	liquidity	NOUN
ajbmeb-3152	58	21	,	,	PUNCT
ajbmeb-3152	58	22	they	they	PRON
ajbmeb-3152	58	23	should	should	AUX
ajbmeb-3152	58	24	also	also	ADV
ajbmeb-3152	58	25	effectively	effectively	ADV
ajbmeb-3152	58	26	organize	organize	VERB
ajbmeb-3152	58	27	the	the	DET
ajbmeb-3152	58	28	lending	lending	NOUN
ajbmeb-3152	58	29	process	process	NOUN
ajbmeb-3152	58	30	.	.	PUNCT
ajbmeb-3152	59	1	the	the	DET
ajbmeb-3152	59	2	difference	difference	NOUN
ajbmeb-3152	59	3	between	between	ADP
ajbmeb-3152	59	4	deposit	deposit	NOUN
ajbmeb-3152	59	5	and	and	CCONJ
ajbmeb-3152	59	6	loan	loan	NOUN
ajbmeb-3152	59	7	interest	interest	NOUN
ajbmeb-3152	59	8	rates	rate	NOUN
ajbmeb-3152	59	9	is	be	AUX
ajbmeb-3152	59	10	the	the	DET
ajbmeb-3152	59	11	main	main	ADJ
ajbmeb-3152	59	12	source	source	NOUN
ajbmeb-3152	59	13	of	of	ADP
ajbmeb-3152	59	14	income	income	NOUN
ajbmeb-3152	59	15	for	for	ADP
ajbmeb-3152	59	16	banks	bank	NOUN
ajbmeb-3152	59	17	.	.	PUNCT
ajbmeb-3152	60	1	if	if	SCONJ
ajbmeb-3152	60	2	a	a	DET
ajbmeb-3152	60	3	bank	bank	NOUN
ajbmeb-3152	60	4	sets	set	VERB
ajbmeb-3152	60	5	high	high	ADJ
ajbmeb-3152	60	6	interest	interest	NOUN
ajbmeb-3152	60	7	rates	rate	NOUN
ajbmeb-3152	60	8	on	on	ADP
ajbmeb-3152	60	9	loans	loan	NOUN
ajbmeb-3152	60	10	,	,	PUNCT
ajbmeb-3152	60	11	then	then	ADV
ajbmeb-3152	60	12	the	the	DET
ajbmeb-3152	60	13	ability	ability	NOUN
ajbmeb-3152	60	14	to	to	PART
ajbmeb-3152	60	15	maintain	maintain	VERB
ajbmeb-3152	60	16	interest	interest	NOUN
ajbmeb-3152	60	17	margins	margin	NOUN
ajbmeb-3152	60	18	and	and	CCONJ
ajbmeb-3152	60	19	make	make	VERB
ajbmeb-3152	60	20	profits	profit	NOUN
ajbmeb-3152	60	21	increases	increase	NOUN
ajbmeb-3152	60	22	.	.	PUNCT
ajbmeb-3152	61	1	at	at	ADP
ajbmeb-3152	61	2	the	the	DET
ajbmeb-3152	61	3	same	same	ADJ
ajbmeb-3152	61	4	time	time	NOUN
ajbmeb-3152	61	5	,	,	PUNCT
ajbmeb-3152	61	6	banks	bank	NOUN
ajbmeb-3152	61	7	can	can	AUX
ajbmeb-3152	61	8	minimize	minimize	VERB
ajbmeb-3152	61	9	their	their	PRON
ajbmeb-3152	61	10	costs	cost	NOUN
ajbmeb-3152	61	11	and	and	CCONJ
ajbmeb-3152	61	12	effectively	effectively	ADV
ajbmeb-3152	61	13	manage	manage	VERB
ajbmeb-3152	61	14	liquidity	liquidity	NOUN
ajbmeb-3152	61	15	by	by	ADP
ajbmeb-3152	61	16	reducing	reduce	VERB
ajbmeb-3152	61	17	deposit	deposit	NOUN
ajbmeb-3152	61	18	rates	rate	NOUN
ajbmeb-3152	61	19	.	.	PUNCT
ajbmeb-3152	62	1	in	in	ADP
ajbmeb-3152	62	2	this	this	DET
ajbmeb-3152	62	3	case	case	NOUN
ajbmeb-3152	62	4	,	,	PUNCT
ajbmeb-3152	62	5	bank	bank	NOUN
ajbmeb-3152	62	6	resources	resource	NOUN
ajbmeb-3152	62	7	can	can	AUX
ajbmeb-3152	62	8	be	be	AUX
ajbmeb-3152	62	9	directed	direct	VERB
ajbmeb-3152	62	10	to	to	ADP
ajbmeb-3152	62	11	long	long	ADJ
ajbmeb-3152	62	12	-	-	PUNCT
ajbmeb-3152	62	13	term	term	NOUN
ajbmeb-3152	62	14	financing	financing	NOUN
ajbmeb-3152	62	15	and	and	CCONJ
ajbmeb-3152	62	16	investments	investment	NOUN
ajbmeb-3152	62	17	,	,	PUNCT
ajbmeb-3152	62	18	which	which	PRON
ajbmeb-3152	62	19	will	will	AUX
ajbmeb-3152	62	20	have	have	VERB
ajbmeb-3152	62	21	a	a	DET
ajbmeb-3152	62	22	positive	positive	ADJ
ajbmeb-3152	62	23	impact	impact	NOUN
ajbmeb-3152	62	24	on	on	ADP
ajbmeb-3152	62	25	their	their	PRON
ajbmeb-3152	62	26	financial	financial	ADJ
ajbmeb-3152	62	27	stability	stability	NOUN
ajbmeb-3152	62	28	.	.	PUNCT
ajbmeb-3152	63	1	high	high	ADJ
ajbmeb-3152	63	2	-	-	PUNCT
ajbmeb-3152	63	3	interest	interest	NOUN
ajbmeb-3152	63	4	loans	loan	NOUN
ajbmeb-3152	63	5	can	can	AUX
ajbmeb-3152	63	6	limit	limit	VERB
ajbmeb-3152	63	7	borrowing	borrowing	NOUN
ajbmeb-3152	63	8	in	in	ADP
ajbmeb-3152	63	9	the	the	DET
ajbmeb-3152	63	10	market	market	NOUN
ajbmeb-3152	63	11	and	and	CCONJ
ajbmeb-3152	63	12	reduce	reduce	VERB
ajbmeb-3152	63	13	the	the	DET
ajbmeb-3152	63	14	demand	demand	NOUN
ajbmeb-3152	63	15	for	for	ADP
ajbmeb-3152	63	16	credit	credit	NOUN
ajbmeb-3152	63	17	for	for	ADP
ajbmeb-3152	63	18	banks	bank	NOUN
ajbmeb-3152	63	19	.	.	PUNCT
ajbmeb-3152	64	1	if	if	SCONJ
ajbmeb-3152	64	2	borrowers	borrower	NOUN
ajbmeb-3152	64	3	make	make	VERB
ajbmeb-3152	64	4	it	it	PRON
ajbmeb-3152	64	5	difficult	difficult	ADJ
ajbmeb-3152	64	6	to	to	PART
ajbmeb-3152	64	7	repay	repay	VERB
ajbmeb-3152	64	8	loans	loan	NOUN
ajbmeb-3152	64	9	,	,	PUNCT
ajbmeb-3152	64	10	this	this	PRON
ajbmeb-3152	64	11	increases	increase	VERB
ajbmeb-3152	64	12	the	the	DET
ajbmeb-3152	64	13	risk	risk	NOUN
ajbmeb-3152	64	14	for	for	ADP
ajbmeb-3152	64	15	banks	bank	NOUN
ajbmeb-3152	64	16	and	and	CCONJ
ajbmeb-3152	64	17	leads	lead	VERB
ajbmeb-3152	64	18	to	to	ADP
ajbmeb-3152	64	19	an	an	DET
ajbmeb-3152	64	20	increase	increase	NOUN
ajbmeb-3152	64	21	in	in	ADP
ajbmeb-3152	64	22	the	the	DET
ajbmeb-3152	64	23	share	share	NOUN
ajbmeb-3152	64	24	of	of	ADP
ajbmeb-3152	64	25	problem	problem	NOUN
ajbmeb-3152	64	26	loans	loan	NOUN
ajbmeb-3152	64	27	.	.	PUNCT
ajbmeb-3152	65	1	also	also	ADV
ajbmeb-3152	65	2	,	,	PUNCT
ajbmeb-3152	65	3	if	if	SCONJ
ajbmeb-3152	65	4	banks	bank	NOUN
ajbmeb-3152	65	5	offer	offer	VERB
ajbmeb-3152	65	6	low	low	ADJ
ajbmeb-3152	65	7	interest	interest	NOUN
ajbmeb-3152	65	8	rates	rate	NOUN
ajbmeb-3152	65	9	on	on	ADP
ajbmeb-3152	65	10	deposits	deposit	NOUN
ajbmeb-3152	65	11	,	,	PUNCT
ajbmeb-3152	65	12	customers	customer	NOUN
ajbmeb-3152	65	13	may	may	AUX
ajbmeb-3152	65	14	withdraw	withdraw	VERB
ajbmeb-3152	65	15	their	their	PRON
ajbmeb-3152	65	16	funds	fund	NOUN
ajbmeb-3152	65	17	from	from	ADP
ajbmeb-3152	65	18	the	the	DET
ajbmeb-3152	65	19	bank	bank	NOUN
ajbmeb-3152	65	20	and	and	CCONJ
ajbmeb-3152	65	21	redirect	redirect	VERB
ajbmeb-3152	65	22	them	they	PRON
ajbmeb-3152	65	23	to	to	ADP
ajbmeb-3152	65	24	investments	investment	NOUN
ajbmeb-3152	65	25	or	or	CCONJ
ajbmeb-3152	65	26	other	other	ADJ
ajbmeb-3152	65	27	profitable	profitable	ADJ
ajbmeb-3152	65	28	assets	asset	NOUN
ajbmeb-3152	65	29	.	.	PUNCT
ajbmeb-3152	66	1	this	this	DET
ajbmeb-3152	66	2	situation	situation	NOUN
ajbmeb-3152	66	3	can	can	AUX
ajbmeb-3152	66	4	cause	cause	VERB
ajbmeb-3152	66	5	liquidity	liquidity	NOUN
ajbmeb-3152	66	6	problems	problem	NOUN
ajbmeb-3152	66	7	for	for	ADP
ajbmeb-3152	66	8	banks	bank	NOUN
ajbmeb-3152	66	9	and	and	CCONJ
ajbmeb-3152	66	10	force	force	VERB
ajbmeb-3152	66	11	them	they	PRON
ajbmeb-3152	66	12	to	to	PART
ajbmeb-3152	66	13	reconsider	reconsider	VERB
ajbmeb-3152	66	14	their	their	PRON
ajbmeb-3152	66	15	deposit	deposit	NOUN
ajbmeb-3152	66	16	-	-	PUNCT
ajbmeb-3152	66	17	taking	take	VERB
ajbmeb-3152	66	18	strategies	strategy	NOUN
ajbmeb-3152	66	19	.	.	PUNCT
ajbmeb-3152	67	1	american	american	ADJ
ajbmeb-3152	67	2	journal	journal	PROPN
ajbmeb-3152	67	3	of	of	ADP
ajbmeb-3152	67	4	business	business	NOUN
ajbmeb-3152	67	5	management	management	NOUN
ajbmeb-3152	67	6	,	,	PUNCT
ajbmeb-3152	67	7	economics	economic	NOUN
ajbmeb-3152	67	8	and	and	CCONJ
ajbmeb-3152	67	9	banking	banking	NOUN
ajbmeb-3152	67	10	volume	volume	NOUN
ajbmeb-3152	67	11	41	41	NUM
ajbmeb-3152	68	1	october2025	october2025	PROPN
ajbmeb-3152	68	2	p	p	NOUN
ajbmeb-3152	68	3	a	a	PRON
ajbmeb-3152	68	4	g	g	NOUN
ajbmeb-3152	68	5	e	e	PROPN
ajbmeb-3152	68	6	|	|	ADV
ajbmeb-3152	68	7	113	113	NUM
ajbmeb-3152	68	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	68	9	high	high	ADJ
ajbmeb-3152	68	10	deposit	deposit	NOUN
ajbmeb-3152	68	11	rates	rate	NOUN
ajbmeb-3152	68	12	for	for	ADP
ajbmeb-3152	68	13	customers	customer	NOUN
ajbmeb-3152	68	14	increase	increase	VERB
ajbmeb-3152	68	15	the	the	DET
ajbmeb-3152	68	16	opportunity	opportunity	NOUN
ajbmeb-3152	68	17	to	to	PART
ajbmeb-3152	68	18	earn	earn	VERB
ajbmeb-3152	68	19	passive	passive	ADJ
ajbmeb-3152	68	20	income	income	NOUN
ajbmeb-3152	68	21	by	by	ADP
ajbmeb-3152	68	22	placing	place	VERB
ajbmeb-3152	68	23	their	their	PRON
ajbmeb-3152	68	24	funds	fund	NOUN
ajbmeb-3152	68	25	in	in	ADP
ajbmeb-3152	68	26	the	the	DET
ajbmeb-3152	68	27	bank	bank	NOUN
ajbmeb-3152	68	28	.	.	PUNCT
ajbmeb-3152	69	1	this	this	PRON
ajbmeb-3152	69	2	will	will	AUX
ajbmeb-3152	69	3	be	be	AUX
ajbmeb-3152	69	4	even	even	ADV
ajbmeb-3152	69	5	more	more	ADV
ajbmeb-3152	69	6	beneficial	beneficial	ADJ
ajbmeb-3152	69	7	for	for	ADP
ajbmeb-3152	69	8	customers	customer	NOUN
ajbmeb-3152	69	9	,	,	PUNCT
ajbmeb-3152	69	10	especially	especially	ADV
ajbmeb-3152	69	11	if	if	SCONJ
ajbmeb-3152	69	12	banks	bank	NOUN
ajbmeb-3152	69	13	offer	offer	VERB
ajbmeb-3152	69	14	various	various	ADJ
ajbmeb-3152	69	15	preferential	preferential	ADJ
ajbmeb-3152	69	16	deposit	deposit	NOUN
ajbmeb-3152	69	17	products	product	NOUN
ajbmeb-3152	69	18	to	to	PART
ajbmeb-3152	69	19	attract	attract	VERB
ajbmeb-3152	69	20	customers	customer	NOUN
ajbmeb-3152	69	21	in	in	ADP
ajbmeb-3152	69	22	a	a	DET
ajbmeb-3152	69	23	competitive	competitive	ADJ
ajbmeb-3152	69	24	environment	environment	NOUN
ajbmeb-3152	69	25	.	.	PUNCT
ajbmeb-3152	70	1	also	also	ADV
ajbmeb-3152	70	2	,	,	PUNCT
ajbmeb-3152	70	3	offering	offer	VERB
ajbmeb-3152	70	4	various	various	ADJ
ajbmeb-3152	70	5	deposit	deposit	NOUN
ajbmeb-3152	70	6	options	option	NOUN
ajbmeb-3152	70	7	by	by	ADP
ajbmeb-3152	70	8	banks	bank	NOUN
ajbmeb-3152	70	9	allows	allow	VERB
ajbmeb-3152	70	10	customers	customer	NOUN
ajbmeb-3152	70	11	to	to	PART
ajbmeb-3152	70	12	effectively	effectively	ADV
ajbmeb-3152	70	13	direct	direct	VERB
ajbmeb-3152	70	14	their	their	PRON
ajbmeb-3152	70	15	financial	financial	ADJ
ajbmeb-3152	70	16	plans	plan	NOUN
ajbmeb-3152	70	17	.	.	PUNCT
ajbmeb-3152	71	1	competition	competition	NOUN
ajbmeb-3152	71	2	in	in	ADP
ajbmeb-3152	71	3	the	the	DET
ajbmeb-3152	71	4	market	market	NOUN
ajbmeb-3152	71	5	creates	create	VERB
ajbmeb-3152	71	6	the	the	DET
ajbmeb-3152	71	7	opportunity	opportunity	NOUN
ajbmeb-3152	71	8	for	for	SCONJ
ajbmeb-3152	71	9	customers	customer	NOUN
ajbmeb-3152	71	10	to	to	PART
ajbmeb-3152	71	11	compare	compare	VERB
ajbmeb-3152	71	12	different	different	ADJ
ajbmeb-3152	71	13	interest	interest	NOUN
ajbmeb-3152	71	14	policies	policy	NOUN
ajbmeb-3152	71	15	of	of	ADP
ajbmeb-3152	71	16	banks	bank	NOUN
ajbmeb-3152	71	17	and	and	CCONJ
ajbmeb-3152	71	18	choose	choose	VERB
ajbmeb-3152	71	19	the	the	DET
ajbmeb-3152	71	20	most	most	ADV
ajbmeb-3152	71	21	favorable	favorable	ADJ
ajbmeb-3152	71	22	conditions	condition	NOUN
ajbmeb-3152	71	23	for	for	ADP
ajbmeb-3152	71	24	them	they	PRON
ajbmeb-3152	71	25	.	.	PUNCT
ajbmeb-3152	72	1	high	high	ADJ
ajbmeb-3152	72	2	lending	lending	NOUN
ajbmeb-3152	72	3	rates	rate	NOUN
ajbmeb-3152	72	4	are	be	AUX
ajbmeb-3152	72	5	one	one	NUM
ajbmeb-3152	72	6	of	of	ADP
ajbmeb-3152	72	7	the	the	DET
ajbmeb-3152	72	8	main	main	ADJ
ajbmeb-3152	72	9	problems	problem	NOUN
ajbmeb-3152	72	10	for	for	ADP
ajbmeb-3152	72	11	customers	customer	NOUN
ajbmeb-3152	72	12	,	,	PUNCT
ajbmeb-3152	72	13	which	which	PRON
ajbmeb-3152	72	14	increases	increase	VERB
ajbmeb-3152	72	15	the	the	DET
ajbmeb-3152	72	16	financial	financial	ADJ
ajbmeb-3152	72	17	burden	burden	NOUN
ajbmeb-3152	72	18	,	,	PUNCT
ajbmeb-3152	72	19	especially	especially	ADV
ajbmeb-3152	72	20	for	for	ADP
ajbmeb-3152	72	21	individuals	individual	NOUN
ajbmeb-3152	72	22	and	and	CCONJ
ajbmeb-3152	72	23	small	small	ADJ
ajbmeb-3152	72	24	businesses	business	NOUN
ajbmeb-3152	72	25	.	.	PUNCT
ajbmeb-3152	73	1	if	if	SCONJ
ajbmeb-3152	73	2	banks	bank	NOUN
ajbmeb-3152	73	3	set	set	VERB
ajbmeb-3152	73	4	lending	lending	NOUN
ajbmeb-3152	73	5	rates	rate	NOUN
ajbmeb-3152	73	6	at	at	ADP
ajbmeb-3152	73	7	too	too	ADV
ajbmeb-3152	73	8	high	high	ADJ
ajbmeb-3152	73	9	a	a	DET
ajbmeb-3152	73	10	level	level	NOUN
ajbmeb-3152	73	11	,	,	PUNCT
ajbmeb-3152	73	12	this	this	PRON
ajbmeb-3152	73	13	can	can	AUX
ajbmeb-3152	73	14	limit	limit	VERB
ajbmeb-3152	73	15	the	the	DET
ajbmeb-3152	73	16	ability	ability	NOUN
ajbmeb-3152	73	17	to	to	PART
ajbmeb-3152	73	18	borrow	borrow	VERB
ajbmeb-3152	73	19	and	and	CCONJ
ajbmeb-3152	73	20	slow	slow	VERB
ajbmeb-3152	73	21	down	down	ADP
ajbmeb-3152	73	22	business	business	NOUN
ajbmeb-3152	73	23	investment	investment	NOUN
ajbmeb-3152	73	24	.	.	PUNCT
ajbmeb-3152	74	1	at	at	ADP
ajbmeb-3152	74	2	the	the	DET
ajbmeb-3152	74	3	same	same	ADJ
ajbmeb-3152	74	4	time	time	NOUN
ajbmeb-3152	74	5	,	,	PUNCT
ajbmeb-3152	74	6	if	if	SCONJ
ajbmeb-3152	74	7	deposit	deposit	NOUN
ajbmeb-3152	74	8	rates	rate	NOUN
ajbmeb-3152	74	9	are	be	AUX
ajbmeb-3152	74	10	below	below	ADP
ajbmeb-3152	74	11	the	the	DET
ajbmeb-3152	74	12	inflation	inflation	NOUN
ajbmeb-3152	74	13	rate	rate	NOUN
ajbmeb-3152	74	14	,	,	PUNCT
ajbmeb-3152	74	15	customers	customer	NOUN
ajbmeb-3152	74	16	'	'	PART
ajbmeb-3152	74	17	real	real	ADJ
ajbmeb-3152	74	18	income	income	NOUN
ajbmeb-3152	74	19	decreases	decrease	NOUN
ajbmeb-3152	74	20	and	and	CCONJ
ajbmeb-3152	74	21	negatively	negatively	ADV
ajbmeb-3152	74	22	affects	affect	VERB
ajbmeb-3152	74	23	their	their	PRON
ajbmeb-3152	74	24	financial	financial	ADJ
ajbmeb-3152	74	25	plans	plan	NOUN
ajbmeb-3152	74	26	.	.	PUNCT
ajbmeb-3152	75	1	banks	bank	NOUN
ajbmeb-3152	75	2	'	'	PART
ajbmeb-3152	75	3	requirement	requirement	NOUN
ajbmeb-3152	75	4	of	of	ADP
ajbmeb-3152	75	5	additional	additional	ADJ
ajbmeb-3152	75	6	guarantees	guarantee	NOUN
ajbmeb-3152	75	7	and	and	CCONJ
ajbmeb-3152	75	8	documents	document	NOUN
ajbmeb-3152	75	9	for	for	ADP
ajbmeb-3152	75	10	loans	loan	NOUN
ajbmeb-3152	75	11	can	can	AUX
ajbmeb-3152	75	12	also	also	ADV
ajbmeb-3152	75	13	create	create	VERB
ajbmeb-3152	75	14	inconvenience	inconvenience	NOUN
ajbmeb-3152	75	15	for	for	ADP
ajbmeb-3152	75	16	customers	customer	NOUN
ajbmeb-3152	75	17	,	,	PUNCT
ajbmeb-3152	75	18	which	which	PRON
ajbmeb-3152	75	19	reduces	reduce	VERB
ajbmeb-3152	75	20	demand	demand	NOUN
ajbmeb-3152	75	21	for	for	ADP
ajbmeb-3152	75	22	loans	loan	NOUN
ajbmeb-3152	75	23	and	and	CCONJ
ajbmeb-3152	75	24	reduces	reduce	VERB
ajbmeb-3152	75	25	financial	financial	ADJ
ajbmeb-3152	75	26	mobility	mobility	NOUN
ajbmeb-3152	75	27	in	in	ADP
ajbmeb-3152	75	28	the	the	DET
ajbmeb-3152	75	29	market	market	NOUN
ajbmeb-3152	75	30	.	.	PUNCT
ajbmeb-3152	76	1	table	table	NOUN
ajbmeb-3152	76	2	1	1	NUM
ajbmeb-3152	76	3	classification	classification	NOUN
ajbmeb-3152	76	4	of	of	ADP
ajbmeb-3152	76	5	deposits	deposit	NOUN
ajbmeb-3152	76	6	of	of	ADP
ajbmeb-3152	76	7	commercial	commercial	ADJ
ajbmeb-3152	76	8	banks	bank	NOUN
ajbmeb-3152	76	9	by	by	ADP
ajbmeb-3152	76	10	maturity	maturity	NOUN
ajbmeb-3152	76	11	[	[	X
ajbmeb-3152	76	12	6	6	NUM
ajbmeb-3152	76	13	]	]	SYM
ajbmeb-3152	76	14	date	date	NOUN
ajbmeb-3152	76	15	total	total	ADJ
ajbmeb-3152	76	16	шу	шу	NOUN
ajbmeb-3152	76	17	жумладан	жумладан	NOUN
ajbmeb-3152	76	18	:	:	PUNCT
ajbmeb-3152	77	1	demand	demand	NOUN
ajbmeb-3152	77	2	saving	save	VERB
ajbmeb-3152	77	3	term	term	NOUN
ajbmeb-3152	77	4	1	1	NUM
ajbmeb-3152	77	5	2	2	NUM
ajbmeb-3152	77	6	3	3	NUM
ajbmeb-3152	77	7	4	4	NUM
ajbmeb-3152	77	8	5	5	NUM
ajbmeb-3152	77	9	2019	2019	NUM
ajbmeb-3152	77	10	100,0	100,0	NOUN
ajbmeb-3152	77	11	44,6	44,6	PROPN
ajbmeb-3152	77	12	9,3	9,3	NUM
ajbmeb-3152	77	13	46,1	46,1	NUM
ajbmeb-3152	77	14	2020	2020	NUM
ajbmeb-3152	77	15	100,0	100,0	NUM
ajbmeb-3152	77	16	46,9	46,9	NUM
ajbmeb-3152	77	17	9,7	9,7	NUM
ajbmeb-3152	77	18	43,4	43,4	ADJ
ajbmeb-3152	77	19	2021	2021	NUM
ajbmeb-3152	77	20	100,0	100,0	NUM
ajbmeb-3152	77	21	44,3	44,3	NUM
ajbmeb-3152	77	22	8,8	8,8	NUM
ajbmeb-3152	77	23	46,9	46,9	NUM
ajbmeb-3152	77	24	2022	2022	NUM
ajbmeb-3152	77	25	100,0	100,0	NOUN
ajbmeb-3152	77	26	46,5	46,5	PROPN
ajbmeb-3152	77	27	10,7	10,7	NUM
ajbmeb-3152	77	28	42,8	42,8	ADJ
ajbmeb-3152	77	29	2023	2023	NUM
ajbmeb-3152	77	30	100,0	100,0	NUM
ajbmeb-3152	77	31	36,4	36,4	NUM
ajbmeb-3152	77	32	10,0	10,0	NOUN
ajbmeb-3152	77	33	53,6	53,6	NUM
ajbmeb-3152	77	34	2024	2024	NUM
ajbmeb-3152	77	35	100,0	100,0	NUM
ajbmeb-3152	77	36	34,0	34,0	NUM
ajbmeb-3152	77	37	9,5	9,5	NUM
ajbmeb-3152	77	38	56,5	56,5	NUM
ajbmeb-3152	77	39	according	accord	VERB
ajbmeb-3152	77	40	to	to	ADP
ajbmeb-3152	77	41	the	the	DET
ajbmeb-3152	77	42	table	table	NOUN
ajbmeb-3152	77	43	analysis	analysis	NOUN
ajbmeb-3152	77	44	,	,	PUNCT
ajbmeb-3152	77	45	significant	significant	ADJ
ajbmeb-3152	77	46	changes	change	NOUN
ajbmeb-3152	77	47	are	be	AUX
ajbmeb-3152	77	48	observed	observe	VERB
ajbmeb-3152	77	49	in	in	ADP
ajbmeb-3152	77	50	the	the	DET
ajbmeb-3152	77	51	deposit	deposit	NOUN
ajbmeb-3152	77	52	structure	structure	NOUN
ajbmeb-3152	77	53	during	during	ADP
ajbmeb-3152	77	54	20202025	20202025	NUM
ajbmeb-3152	77	55	.	.	PUNCT
ajbmeb-3152	78	1	the	the	DET
ajbmeb-3152	78	2	main	main	ADJ
ajbmeb-3152	78	3	trend	trend	NOUN
ajbmeb-3152	78	4	is	be	AUX
ajbmeb-3152	78	5	a	a	DET
ajbmeb-3152	78	6	decrease	decrease	NOUN
ajbmeb-3152	78	7	in	in	ADP
ajbmeb-3152	78	8	the	the	DET
ajbmeb-3152	78	9	share	share	NOUN
ajbmeb-3152	78	10	of	of	ADP
ajbmeb-3152	78	11	demand	demand	NOUN
ajbmeb-3152	78	12	deposits	deposit	NOUN
ajbmeb-3152	78	13	and	and	CCONJ
ajbmeb-3152	78	14	an	an	DET
ajbmeb-3152	78	15	increase	increase	NOUN
ajbmeb-3152	78	16	in	in	ADP
ajbmeb-3152	78	17	the	the	DET
ajbmeb-3152	78	18	share	share	NOUN
ajbmeb-3152	78	19	of	of	ADP
ajbmeb-3152	78	20	term	term	NOUN
ajbmeb-3152	78	21	deposits	deposit	NOUN
ajbmeb-3152	78	22	.	.	PUNCT
ajbmeb-3152	79	1	if	if	SCONJ
ajbmeb-3152	79	2	in	in	ADP
ajbmeb-3152	79	3	2020	2020	NUM
ajbmeb-3152	79	4	demand	demand	NOUN
ajbmeb-3152	79	5	deposits	deposit	NOUN
ajbmeb-3152	79	6	amounted	amount	VERB
ajbmeb-3152	79	7	to	to	ADP
ajbmeb-3152	79	8	44.6	44.6	NUM
ajbmeb-3152	79	9	%	%	NOUN
ajbmeb-3152	79	10	,	,	PUNCT
ajbmeb-3152	79	11	by	by	ADP
ajbmeb-3152	79	12	2025	2025	NUM
ajbmeb-3152	79	13	this	this	DET
ajbmeb-3152	79	14	figure	figure	NOUN
ajbmeb-3152	79	15	had	have	AUX
ajbmeb-3152	79	16	decreased	decrease	VERB
ajbmeb-3152	79	17	to	to	ADP
ajbmeb-3152	79	18	34.0	34.0	NUM
ajbmeb-3152	79	19	%	%	NOUN
ajbmeb-3152	79	20	.	.	PUNCT
ajbmeb-3152	80	1	this	this	PRON
ajbmeb-3152	80	2	indicates	indicate	VERB
ajbmeb-3152	80	3	an	an	DET
ajbmeb-3152	80	4	increased	increased	ADJ
ajbmeb-3152	80	5	tendency	tendency	NOUN
ajbmeb-3152	80	6	of	of	ADP
ajbmeb-3152	80	7	bank	bank	NOUN
ajbmeb-3152	80	8	customers	customer	NOUN
ajbmeb-3152	80	9	to	to	PART
ajbmeb-3152	80	10	keep	keep	VERB
ajbmeb-3152	80	11	their	their	PRON
ajbmeb-3152	80	12	funds	fund	NOUN
ajbmeb-3152	80	13	in	in	ADP
ajbmeb-3152	80	14	the	the	DET
ajbmeb-3152	80	15	bank	bank	NOUN
ajbmeb-3152	80	16	for	for	ADP
ajbmeb-3152	80	17	a	a	DET
ajbmeb-3152	80	18	longer	long	ADJ
ajbmeb-3152	80	19	period	period	NOUN
ajbmeb-3152	80	20	and	and	CCONJ
ajbmeb-3152	80	21	increased	increase	VERB
ajbmeb-3152	80	22	confidence	confidence	NOUN
ajbmeb-3152	80	23	in	in	ADP
ajbmeb-3152	80	24	term	term	NOUN
ajbmeb-3152	80	25	deposits	deposit	NOUN
ajbmeb-3152	80	26	.	.	PUNCT
ajbmeb-3152	81	1	at	at	ADP
ajbmeb-3152	81	2	the	the	DET
ajbmeb-3152	81	3	same	same	ADJ
ajbmeb-3152	81	4	time	time	NOUN
ajbmeb-3152	81	5	,	,	PUNCT
ajbmeb-3152	81	6	the	the	DET
ajbmeb-3152	81	7	increase	increase	NOUN
ajbmeb-3152	81	8	in	in	ADP
ajbmeb-3152	81	9	the	the	DET
ajbmeb-3152	81	10	share	share	NOUN
ajbmeb-3152	81	11	of	of	ADP
ajbmeb-3152	81	12	term	term	NOUN
ajbmeb-3152	81	13	deposits	deposit	NOUN
ajbmeb-3152	81	14	from	from	ADP
ajbmeb-3152	81	15	46.1	46.1	NUM
ajbmeb-3152	81	16	%	%	NOUN
ajbmeb-3152	81	17	to	to	ADP
ajbmeb-3152	81	18	56.5	56.5	NUM
ajbmeb-3152	81	19	%	%	NOUN
ajbmeb-3152	81	20	is	be	AUX
ajbmeb-3152	81	21	a	a	DET
ajbmeb-3152	81	22	positive	positive	ADJ
ajbmeb-3152	81	23	development	development	NOUN
ajbmeb-3152	81	24	for	for	ADP
ajbmeb-3152	81	25	banks	bank	NOUN
ajbmeb-3152	81	26	,	,	PUNCT
ajbmeb-3152	81	27	as	as	SCONJ
ajbmeb-3152	81	28	it	it	PRON
ajbmeb-3152	81	29	allows	allow	VERB
ajbmeb-3152	81	30	them	they	PRON
ajbmeb-3152	81	31	to	to	PART
ajbmeb-3152	81	32	strengthen	strengthen	VERB
ajbmeb-3152	81	33	their	their	PRON
ajbmeb-3152	81	34	long	long	ADJ
ajbmeb-3152	81	35	-	-	PUNCT
ajbmeb-3152	81	36	term	term	NOUN
ajbmeb-3152	81	37	financing	financing	NOUN
ajbmeb-3152	81	38	sources	source	NOUN
ajbmeb-3152	81	39	.	.	PUNCT
ajbmeb-3152	82	1	in	in	ADP
ajbmeb-3152	82	2	particular	particular	ADJ
ajbmeb-3152	82	3	,	,	PUNCT
ajbmeb-3152	82	4	the	the	DET
ajbmeb-3152	82	5	sharp	sharp	ADJ
ajbmeb-3152	82	6	increase	increase	NOUN
ajbmeb-3152	82	7	in	in	ADP
ajbmeb-3152	82	8	the	the	DET
ajbmeb-3152	82	9	share	share	NOUN
ajbmeb-3152	82	10	of	of	ADP
ajbmeb-3152	82	11	term	term	NOUN
ajbmeb-3152	82	12	deposits	deposit	NOUN
ajbmeb-3152	82	13	since	since	SCONJ
ajbmeb-3152	82	14	2023	2023	NUM
ajbmeb-3152	82	15	indicates	indicate	VERB
ajbmeb-3152	82	16	that	that	SCONJ
ajbmeb-3152	82	17	the	the	DET
ajbmeb-3152	82	18	interest	interest	NOUN
ajbmeb-3152	82	19	rates	rate	NOUN
ajbmeb-3152	82	20	and	and	CCONJ
ajbmeb-3152	82	21	other	other	ADJ
ajbmeb-3152	82	22	incentive	incentive	NOUN
ajbmeb-3152	82	23	mechanisms	mechanism	NOUN
ajbmeb-3152	82	24	provided	provide	VERB
ajbmeb-3152	82	25	by	by	ADP
ajbmeb-3152	82	26	banks	bank	NOUN
ajbmeb-3152	82	27	for	for	ADP
ajbmeb-3152	82	28	this	this	DET
ajbmeb-3152	82	29	type	type	NOUN
ajbmeb-3152	82	30	of	of	ADP
ajbmeb-3152	82	31	deposit	deposit	NOUN
ajbmeb-3152	82	32	play	play	VERB
ajbmeb-3152	82	33	an	an	DET
ajbmeb-3152	82	34	important	important	ADJ
ajbmeb-3152	82	35	role	role	NOUN
ajbmeb-3152	82	36	in	in	ADP
ajbmeb-3152	82	37	attracting	attract	VERB
ajbmeb-3152	82	38	customers	customer	NOUN
ajbmeb-3152	82	39	.	.	PUNCT
ajbmeb-3152	83	1	at	at	ADP
ajbmeb-3152	83	2	the	the	DET
ajbmeb-3152	83	3	same	same	ADJ
ajbmeb-3152	83	4	time	time	NOUN
ajbmeb-3152	83	5	,	,	PUNCT
ajbmeb-3152	83	6	the	the	DET
ajbmeb-3152	83	7	share	share	NOUN
ajbmeb-3152	83	8	of	of	ADP
ajbmeb-3152	83	9	savings	saving	NOUN
ajbmeb-3152	83	10	deposits	deposit	NOUN
ajbmeb-3152	83	11	decreased	decrease	VERB
ajbmeb-3152	83	12	from	from	ADP
ajbmeb-3152	83	13	9.3	9.3	NUM
ajbmeb-3152	83	14	%	%	NOUN
ajbmeb-3152	83	15	in	in	ADP
ajbmeb-3152	83	16	2020	2020	NUM
ajbmeb-3152	83	17	to	to	ADP
ajbmeb-3152	83	18	9.5	9.5	NUM
ajbmeb-3152	83	19	%	%	NOUN
ajbmeb-3152	83	20	in	in	ADP
ajbmeb-3152	83	21	2025	2025	NUM
ajbmeb-3152	83	22	,	,	PUNCT
ajbmeb-3152	83	23	which	which	PRON
ajbmeb-3152	83	24	indicates	indicate	VERB
ajbmeb-3152	83	25	that	that	SCONJ
ajbmeb-3152	83	26	customers	customer	NOUN
ajbmeb-3152	83	27	prefer	prefer	VERB
ajbmeb-3152	83	28	term	term	NOUN
ajbmeb-3152	83	29	deposits	deposit	NOUN
ajbmeb-3152	83	30	to	to	ADP
ajbmeb-3152	83	31	long	long	ADJ
ajbmeb-3152	83	32	-	-	PUNCT
ajbmeb-3152	83	33	term	term	NOUN
ajbmeb-3152	83	34	deposits	deposit	NOUN
ajbmeb-3152	83	35	.	.	PUNCT
ajbmeb-3152	84	1	in	in	ADP
ajbmeb-3152	84	2	general	general	ADJ
ajbmeb-3152	84	3	,	,	PUNCT
ajbmeb-3152	84	4	these	these	DET
ajbmeb-3152	84	5	changes	change	NOUN
ajbmeb-3152	84	6	are	be	AUX
ajbmeb-3152	84	7	a	a	DET
ajbmeb-3152	84	8	positive	positive	ADJ
ajbmeb-3152	84	9	signal	signal	NOUN
ajbmeb-3152	84	10	for	for	ADP
ajbmeb-3152	84	11	banks	bank	NOUN
ajbmeb-3152	84	12	,	,	PUNCT
ajbmeb-3152	84	13	as	as	ADP
ajbmeb-3152	84	14	an	an	DET
ajbmeb-3152	84	15	increase	increase	NOUN
ajbmeb-3152	84	16	in	in	ADP
ajbmeb-3152	84	17	the	the	DET
ajbmeb-3152	84	18	share	share	NOUN
ajbmeb-3152	84	19	of	of	ADP
ajbmeb-3152	84	20	term	term	NOUN
ajbmeb-3152	84	21	deposits	deposit	NOUN
ajbmeb-3152	84	22	reduces	reduce	VERB
ajbmeb-3152	84	23	their	their	PRON
ajbmeb-3152	84	24	liquidity	liquidity	NOUN
ajbmeb-3152	84	25	risks	risk	NOUN
ajbmeb-3152	84	26	and	and	CCONJ
ajbmeb-3152	84	27	helps	help	VERB
ajbmeb-3152	84	28	create	create	VERB
ajbmeb-3152	84	29	a	a	DET
ajbmeb-3152	84	30	stable	stable	ADJ
ajbmeb-3152	84	31	resource	resource	NOUN
ajbmeb-3152	84	32	base	base	NOUN
ajbmeb-3152	84	33	for	for	ADP
ajbmeb-3152	84	34	lending	lending	NOUN
ajbmeb-3152	84	35	.	.	PUNCT
ajbmeb-3152	85	1	this	this	DET
ajbmeb-3152	85	2	trend	trend	NOUN
ajbmeb-3152	85	3	also	also	ADV
ajbmeb-3152	85	4	shows	show	VERB
ajbmeb-3152	85	5	that	that	SCONJ
ajbmeb-3152	85	6	customers	customer	NOUN
ajbmeb-3152	85	7	'	'	PART
ajbmeb-3152	85	8	confidence	confidence	NOUN
ajbmeb-3152	85	9	in	in	ADP
ajbmeb-3152	85	10	the	the	DET
ajbmeb-3152	85	11	banking	banking	NOUN
ajbmeb-3152	85	12	system	system	NOUN
ajbmeb-3152	85	13	is	be	AUX
ajbmeb-3152	85	14	strengthening	strengthen	VERB
ajbmeb-3152	85	15	and	and	CCONJ
ajbmeb-3152	85	16	their	their	PRON
ajbmeb-3152	85	17	financial	financial	ADJ
ajbmeb-3152	85	18	planning	planning	NOUN
ajbmeb-3152	85	19	practices	practice	NOUN
ajbmeb-3152	85	20	are	be	AUX
ajbmeb-3152	85	21	increasing	increase	VERB
ajbmeb-3152	85	22	.	.	PUNCT
ajbmeb-3152	86	1	american	american	ADJ
ajbmeb-3152	86	2	journal	journal	PROPN
ajbmeb-3152	86	3	of	of	ADP
ajbmeb-3152	86	4	business	business	NOUN
ajbmeb-3152	86	5	management	management	NOUN
ajbmeb-3152	86	6	,	,	PUNCT
ajbmeb-3152	86	7	economics	economic	NOUN
ajbmeb-3152	86	8	and	and	CCONJ
ajbmeb-3152	86	9	banking	banking	NOUN
ajbmeb-3152	86	10	volume	volume	NOUN
ajbmeb-3152	86	11	41	41	NUM
ajbmeb-3152	87	1	october2025	october2025	PROPN
ajbmeb-3152	87	2	p	p	NOUN
ajbmeb-3152	87	3	a	a	DET
ajbmeb-3152	87	4	g	g	NOUN
ajbmeb-3152	87	5	e	e	NOUN
ajbmeb-3152	87	6	|	|	ADV
ajbmeb-3152	87	7	114	114	NUM
ajbmeb-3152	87	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	87	9	table	table	NOUN
ajbmeb-3152	87	10	2	2	NUM
ajbmeb-3152	87	11	structural	structural	ADJ
ajbmeb-3152	87	12	dynamics	dynamic	NOUN
ajbmeb-3152	87	13	of	of	ADP
ajbmeb-3152	87	14	bank	bank	NOUN
ajbmeb-3152	87	15	deposits	deposit	NOUN
ajbmeb-3152	87	16	and	and	CCONJ
ajbmeb-3152	87	17	liquidity	liquidity	NOUN
ajbmeb-3152	87	18	indicators[7	indicators[7	ADP
ajbmeb-3152	87	19	]	]	PUNCT
ajbmeb-3152	87	20	years	year	NOUN
ajbmeb-3152	87	21	demand	demand	NOUN
ajbmeb-3152	87	22	(	(	PUNCT
ajbmeb-3152	87	23	%	%	INTJ
ajbmeb-3152	87	24	)	)	PUNCT
ajbmeb-3152	87	25	term	term	NOUN
ajbmeb-3152	87	26	(	(	PUNCT
ajbmeb-3152	87	27	%	%	INTJ
ajbmeb-3152	87	28	)	)	PUNCT
ajbmeb-3152	87	29	savings	saving	NOUN
ajbmeb-3152	87	30	(	(	PUNCT
ajbmeb-3152	87	31	%	%	INTJ
ajbmeb-3152	87	32	)	)	PUNCT
ajbmeb-3152	87	33	liquidity	liquidity	NOUN
ajbmeb-3152	87	34	coverage	coverage	NOUN
ajbmeb-3152	87	35	ratio	ratio	NOUN
ajbmeb-3152	87	36	(	(	PUNCT
ajbmeb-3152	87	37	min	min	NOUN
ajbmeb-3152	87	38	.	.	PROPN
ajbmeb-3152	87	39	100	100	NUM
ajbmeb-3152	87	40	%	%	NOUN
ajbmeb-3152	87	41	)	)	PUNCT
ajbmeb-3152	87	42	“	"	PUNCT
ajbmeb-3152	87	43	net	net	ADJ
ajbmeb-3152	87	44	stable	stable	ADJ
ajbmeb-3152	87	45	funding	funding	NOUN
ajbmeb-3152	87	46	ratio	ratio	NOUN
ajbmeb-3152	87	47	(	(	PUNCT
ajbmeb-3152	87	48	nsfr	nsfr	ADJ
ajbmeb-3152	87	49	)	)	PUNCT
ajbmeb-3152	87	50	”	"	PUNCT
ajbmeb-3152	87	51	(	(	PUNCT
ajbmeb-3152	87	52	min	min	NOUN
ajbmeb-3152	87	53	100	100	NUM
ajbmeb-3152	87	54	%	%	NOUN
ajbmeb-3152	87	55	)	)	PUNCT
ajbmeb-3152	87	56	instant	instant	NOUN
ajbmeb-3152	87	57	liquidity	liquidity	NOUN
ajbmeb-3152	87	58	ratio	ratio	NOUN
ajbmeb-3152	87	59	(	(	PUNCT
ajbmeb-3152	87	60	min	min	NOUN
ajbmeb-3152	87	61	25	25	NUM
ajbmeb-3152	87	62	%	%	NOUN
ajbmeb-3152	87	63	)	)	PUNCT
ajbmeb-3152	87	64	2019	2019	NUM
ajbmeb-3152	88	1	44,6	44,6	PROPN
ajbmeb-3152	88	2	46,1	46,1	NUM
ajbmeb-3152	88	3	9,3	9,3	NUM
ajbmeb-3152	88	4	208,5	208,5	NUM
ajbmeb-3152	88	5	%	%	NOUN
ajbmeb-3152	88	6	112,8	112,8	NUM
ajbmeb-3152	88	7	%	%	NOUN
ajbmeb-3152	88	8	47,8	47,8	NUM
ajbmeb-3152	88	9	%	%	NOUN
ajbmeb-3152	88	10	2020	2020	NUM
ajbmeb-3152	89	1	46,9	46,9	NUM
ajbmeb-3152	89	2	43,4	43,4	ADJ
ajbmeb-3152	89	3	9,7	9,7	NUM
ajbmeb-3152	89	4	224,5	224,5	NUM
ajbmeb-3152	89	5	%	%	NOUN
ajbmeb-3152	89	6	109,9	109,9	NUM
ajbmeb-3152	89	7	%	%	NOUN
ajbmeb-3152	89	8	67,4	67,4	NUM
ajbmeb-3152	89	9	%	%	NOUN
ajbmeb-3152	89	10	2021	2021	NUM
ajbmeb-3152	89	11	44,3	44,3	NUM
ajbmeb-3152	89	12	46,9	46,9	NUM
ajbmeb-3152	89	13	8,8	8,8	NUM
ajbmeb-3152	89	14	189,6	189,6	NUM
ajbmeb-3152	89	15	%	%	NOUN
ajbmeb-3152	89	16	115,4	115,4	NUM
ajbmeb-3152	89	17	%	%	NOUN
ajbmeb-3152	89	18	99,3	99,3	NUM
ajbmeb-3152	89	19	%	%	NOUN
ajbmeb-3152	89	20	2022	2022	NUM
ajbmeb-3152	89	21	46,5	46,5	PROPN
ajbmeb-3152	89	22	42,8	42,8	ADJ
ajbmeb-3152	89	23	10,7	10,7	NUM
ajbmeb-3152	89	24	211,6	211,6	NUM
ajbmeb-3152	89	25	%	%	NOUN
ajbmeb-3152	89	26	115,6	115,6	NUM
ajbmeb-3152	89	27	%	%	NOUN
ajbmeb-3152	89	28	110,1	110,1	NOUN
ajbmeb-3152	89	29	%	%	NOUN
ajbmeb-3152	89	30	2023	2023	NUM
ajbmeb-3152	89	31	36,4	36,4	NUM
ajbmeb-3152	89	32	53,6	53,6	NUM
ajbmeb-3152	89	33	10	10	NUM
ajbmeb-3152	89	34	164,8	164,8	NUM
ajbmeb-3152	89	35	%	%	NOUN
ajbmeb-3152	89	36	111,8	111,8	NUM
ajbmeb-3152	89	37	%	%	NOUN
ajbmeb-3152	89	38	87,4	87,4	NUM
ajbmeb-3152	89	39	%	%	NOUN
ajbmeb-3152	89	40	2024	2024	NUM
ajbmeb-3152	89	41	34	34	NUM
ajbmeb-3152	89	42	56,5	56,5	NUM
ajbmeb-3152	89	43	9,5	9,5	NUM
ajbmeb-3152	89	44	193,8	193,8	NUM
ajbmeb-3152	89	45	%	%	NOUN
ajbmeb-3152	89	46	115,3	115,3	NUM
ajbmeb-3152	89	47	%	%	NOUN
ajbmeb-3152	89	48	112,3	112,3	NUM
ajbmeb-3152	89	49	%	%	NOUN
ajbmeb-3152	89	50	if	if	SCONJ
ajbmeb-3152	89	51	we	we	PRON
ajbmeb-3152	89	52	analyze	analyze	VERB
ajbmeb-3152	89	53	the	the	DET
ajbmeb-3152	89	54	indicators	indicator	NOUN
ajbmeb-3152	89	55	in	in	ADP
ajbmeb-3152	89	56	the	the	DET
ajbmeb-3152	89	57	table	table	NOUN
ajbmeb-3152	89	58	,	,	PUNCT
ajbmeb-3152	89	59	during	during	ADP
ajbmeb-3152	89	60	periods	period	NOUN
ajbmeb-3152	89	61	when	when	SCONJ
ajbmeb-3152	89	62	the	the	DET
ajbmeb-3152	89	63	share	share	NOUN
ajbmeb-3152	89	64	of	of	ADP
ajbmeb-3152	89	65	demand	demand	NOUN
ajbmeb-3152	89	66	deposits	deposit	NOUN
ajbmeb-3152	89	67	was	be	AUX
ajbmeb-3152	89	68	high	high	ADJ
ajbmeb-3152	89	69	,	,	PUNCT
ajbmeb-3152	89	70	the	the	DET
ajbmeb-3152	89	71	liquidity	liquidity	NOUN
ajbmeb-3152	89	72	coverage	coverage	NOUN
ajbmeb-3152	89	73	ratio	ratio	NOUN
ajbmeb-3152	89	74	(	(	PUNCT
ajbmeb-3152	89	75	lcr	lcr	NOUN
ajbmeb-3152	89	76	)	)	PUNCT
ajbmeb-3152	89	77	remained	remain	VERB
ajbmeb-3152	89	78	at	at	ADP
ajbmeb-3152	89	79	high	high	ADJ
ajbmeb-3152	89	80	levels	level	NOUN
ajbmeb-3152	89	81	of	of	ADP
ajbmeb-3152	89	82	224.5	224.5	NUM
ajbmeb-3152	89	83	%	%	NOUN
ajbmeb-3152	89	84	and	and	CCONJ
ajbmeb-3152	89	85	211.6	211.6	NUM
ajbmeb-3152	89	86	%	%	NOUN
ajbmeb-3152	89	87	.	.	PUNCT
ajbmeb-3152	90	1	this	this	PRON
ajbmeb-3152	90	2	indicates	indicate	VERB
ajbmeb-3152	90	3	that	that	SCONJ
ajbmeb-3152	90	4	the	the	DET
ajbmeb-3152	90	5	banks	bank	NOUN
ajbmeb-3152	90	6	have	have	VERB
ajbmeb-3152	90	7	sufficient	sufficient	ADJ
ajbmeb-3152	90	8	quick	quick	ADJ
ajbmeb-3152	90	9	solvency	solvency	NOUN
ajbmeb-3152	90	10	,	,	PUNCT
ajbmeb-3152	90	11	but	but	CCONJ
ajbmeb-3152	90	12	this	this	DET
ajbmeb-3152	90	13	situation	situation	NOUN
ajbmeb-3152	90	14	increases	increase	VERB
ajbmeb-3152	90	15	the	the	DET
ajbmeb-3152	90	16	risks	risk	NOUN
ajbmeb-3152	90	17	for	for	ADP
ajbmeb-3152	90	18	long	long	ADJ
ajbmeb-3152	90	19	-	-	PUNCT
ajbmeb-3152	90	20	term	term	NOUN
ajbmeb-3152	90	21	financing	financing	NOUN
ajbmeb-3152	90	22	.	.	PUNCT
ajbmeb-3152	91	1	on	on	ADP
ajbmeb-3152	91	2	the	the	DET
ajbmeb-3152	91	3	other	other	ADJ
ajbmeb-3152	91	4	hand	hand	NOUN
ajbmeb-3152	91	5	,	,	PUNCT
ajbmeb-3152	91	6	in	in	ADP
ajbmeb-3152	91	7	2024	2024	NUM
ajbmeb-3152	91	8	-	-	SYM
ajbmeb-3152	91	9	2025	2025	NUM
ajbmeb-3152	91	10	,	,	PUNCT
ajbmeb-3152	91	11	when	when	SCONJ
ajbmeb-3152	91	12	the	the	DET
ajbmeb-3152	91	13	share	share	NOUN
ajbmeb-3152	91	14	of	of	ADP
ajbmeb-3152	91	15	term	term	NOUN
ajbmeb-3152	91	16	deposits	deposit	NOUN
ajbmeb-3152	91	17	increased	increase	VERB
ajbmeb-3152	91	18	,	,	PUNCT
ajbmeb-3152	91	19	the	the	DET
ajbmeb-3152	91	20	bank	bank	NOUN
ajbmeb-3152	91	21	's	's	PART
ajbmeb-3152	91	22	long	long	ADJ
ajbmeb-3152	91	23	-	-	PUNCT
ajbmeb-3152	91	24	term	term	NOUN
ajbmeb-3152	91	25	stability	stability	NOUN
ajbmeb-3152	91	26	indicators	indicator	NOUN
ajbmeb-3152	91	27	improved	improve	VERB
ajbmeb-3152	91	28	,	,	PUNCT
ajbmeb-3152	91	29	which	which	PRON
ajbmeb-3152	91	30	helped	help	VERB
ajbmeb-3152	91	31	maintain	maintain	VERB
ajbmeb-3152	91	32	the	the	DET
ajbmeb-3152	91	33	net	net	ADJ
ajbmeb-3152	91	34	stable	stable	ADJ
ajbmeb-3152	91	35	funding	funding	NOUN
ajbmeb-3152	91	36	ratio	ratio	NOUN
ajbmeb-3152	91	37	(	(	PUNCT
ajbmeb-3152	91	38	nsfr	nsfr	ADJ
ajbmeb-3152	91	39	)	)	PUNCT
ajbmeb-3152	91	40	at	at	ADP
ajbmeb-3152	91	41	115.3	115.3	NUM
ajbmeb-3152	91	42	%	%	NOUN
ajbmeb-3152	91	43	.	.	PUNCT
ajbmeb-3152	92	1	at	at	ADP
ajbmeb-3152	92	2	the	the	DET
ajbmeb-3152	92	3	same	same	ADJ
ajbmeb-3152	92	4	time	time	NOUN
ajbmeb-3152	92	5	,	,	PUNCT
ajbmeb-3152	92	6	analyzing	analyze	VERB
ajbmeb-3152	92	7	the	the	DET
ajbmeb-3152	92	8	dynamics	dynamic	NOUN
ajbmeb-3152	92	9	of	of	ADP
ajbmeb-3152	92	10	the	the	DET
ajbmeb-3152	92	11	instant	instant	ADJ
ajbmeb-3152	92	12	liquidity	liquidity	NOUN
ajbmeb-3152	92	13	ratio	ratio	NOUN
ajbmeb-3152	92	14	allows	allow	VERB
ajbmeb-3152	92	15	us	we	PRON
ajbmeb-3152	92	16	to	to	PART
ajbmeb-3152	92	17	assess	assess	VERB
ajbmeb-3152	92	18	the	the	DET
ajbmeb-3152	92	19	bank	bank	NOUN
ajbmeb-3152	92	20	's	's	PART
ajbmeb-3152	92	21	short	short	ADJ
ajbmeb-3152	92	22	-	-	PUNCT
ajbmeb-3152	92	23	term	term	NOUN
ajbmeb-3152	92	24	financial	financial	ADJ
ajbmeb-3152	92	25	stability	stability	NOUN
ajbmeb-3152	92	26	.	.	PUNCT
ajbmeb-3152	93	1	for	for	ADP
ajbmeb-3152	93	2	example	example	NOUN
ajbmeb-3152	93	3	,	,	PUNCT
ajbmeb-3152	93	4	in	in	ADP
ajbmeb-3152	93	5	2022	2022	NUM
ajbmeb-3152	93	6	-	-	SYM
ajbmeb-3152	93	7	2023	2023	NUM
ajbmeb-3152	93	8	,	,	PUNCT
ajbmeb-3152	93	9	this	this	DET
ajbmeb-3152	93	10	indicator	indicator	NOUN
ajbmeb-3152	93	11	increased	increase	VERB
ajbmeb-3152	93	12	to	to	ADP
ajbmeb-3152	93	13	99.3	99.3	NUM
ajbmeb-3152	93	14	%	%	NOUN
ajbmeb-3152	93	15	and	and	CCONJ
ajbmeb-3152	93	16	110.1	110.1	NUM
ajbmeb-3152	93	17	%	%	NOUN
ajbmeb-3152	93	18	,	,	PUNCT
ajbmeb-3152	93	19	which	which	PRON
ajbmeb-3152	93	20	indicates	indicate	VERB
ajbmeb-3152	93	21	that	that	SCONJ
ajbmeb-3152	93	22	the	the	DET
ajbmeb-3152	93	23	bank	bank	NOUN
ajbmeb-3152	93	24	's	's	PART
ajbmeb-3152	93	25	quick	quick	ADJ
ajbmeb-3152	93	26	solvency	solvency	NOUN
ajbmeb-3152	93	27	has	have	AUX
ajbmeb-3152	93	28	strengthened	strengthen	VERB
ajbmeb-3152	93	29	.	.	PUNCT
ajbmeb-3152	94	1	however	however	ADV
ajbmeb-3152	94	2	,	,	PUNCT
ajbmeb-3152	94	3	in	in	ADP
ajbmeb-3152	94	4	2024	2024	NUM
ajbmeb-3152	94	5	,	,	PUNCT
ajbmeb-3152	94	6	the	the	DET
ajbmeb-3152	94	7	share	share	NOUN
ajbmeb-3152	94	8	of	of	ADP
ajbmeb-3152	94	9	demand	demand	NOUN
ajbmeb-3152	94	10	deposits	deposit	NOUN
ajbmeb-3152	94	11	decreased	decrease	VERB
ajbmeb-3152	94	12	and	and	CCONJ
ajbmeb-3152	94	13	time	time	NOUN
ajbmeb-3152	94	14	deposits	deposit	NOUN
ajbmeb-3152	94	15	increased	increase	VERB
ajbmeb-3152	94	16	,	,	PUNCT
ajbmeb-3152	94	17	which	which	PRON
ajbmeb-3152	94	18	led	lead	VERB
ajbmeb-3152	94	19	to	to	ADP
ajbmeb-3152	94	20	a	a	DET
ajbmeb-3152	94	21	decrease	decrease	NOUN
ajbmeb-3152	94	22	in	in	ADP
ajbmeb-3152	94	23	the	the	DET
ajbmeb-3152	94	24	current	current	ADJ
ajbmeb-3152	94	25	liquidity	liquidity	NOUN
ajbmeb-3152	94	26	ratio	ratio	NOUN
ajbmeb-3152	94	27	to	to	ADP
ajbmeb-3152	94	28	87.4	87.4	NUM
ajbmeb-3152	94	29	%	%	NOUN
ajbmeb-3152	94	30	.	.	PUNCT
ajbmeb-3152	95	1	the	the	DET
ajbmeb-3152	95	2	liquidity	liquidity	NOUN
ajbmeb-3152	95	3	coverage	coverage	NOUN
ajbmeb-3152	95	4	ratio	ratio	NOUN
ajbmeb-3152	95	5	(	(	PUNCT
ajbmeb-3152	95	6	lcr	lcr	NOUN
ajbmeb-3152	95	7	)	)	PUNCT
ajbmeb-3152	95	8	also	also	ADV
ajbmeb-3152	95	9	decreased	decrease	VERB
ajbmeb-3152	95	10	to	to	ADP
ajbmeb-3152	95	11	164.8	164.8	NUM
ajbmeb-3152	95	12	%	%	NOUN
ajbmeb-3152	95	13	,	,	PUNCT
ajbmeb-3152	95	14	which	which	PRON
ajbmeb-3152	95	15	indicates	indicate	VERB
ajbmeb-3152	95	16	a	a	DET
ajbmeb-3152	95	17	decrease	decrease	NOUN
ajbmeb-3152	95	18	in	in	ADP
ajbmeb-3152	95	19	the	the	DET
ajbmeb-3152	95	20	bank	bank	NOUN
ajbmeb-3152	95	21	's	's	PART
ajbmeb-3152	95	22	short	short	ADJ
ajbmeb-3152	95	23	-	-	PUNCT
ajbmeb-3152	95	24	term	term	NOUN
ajbmeb-3152	95	25	financing	financing	NOUN
ajbmeb-3152	95	26	resources	resource	NOUN
ajbmeb-3152	95	27	.	.	PUNCT
ajbmeb-3152	96	1	however	however	ADV
ajbmeb-3152	96	2	,	,	PUNCT
ajbmeb-3152	96	3	by	by	ADP
ajbmeb-3152	96	4	2025	2025	NUM
ajbmeb-3152	96	5	,	,	PUNCT
ajbmeb-3152	96	6	with	with	ADP
ajbmeb-3152	96	7	an	an	DET
ajbmeb-3152	96	8	increase	increase	NOUN
ajbmeb-3152	96	9	in	in	ADP
ajbmeb-3152	96	10	the	the	DET
ajbmeb-3152	96	11	share	share	NOUN
ajbmeb-3152	96	12	of	of	ADP
ajbmeb-3152	96	13	time	time	NOUN
ajbmeb-3152	96	14	deposits	deposit	NOUN
ajbmeb-3152	96	15	,	,	PUNCT
ajbmeb-3152	96	16	the	the	DET
ajbmeb-3152	96	17	bank	bank	NOUN
ajbmeb-3152	96	18	's	's	PART
ajbmeb-3152	96	19	current	current	ADJ
ajbmeb-3152	96	20	liquidity	liquidity	NOUN
ajbmeb-3152	96	21	ratio	ratio	NOUN
ajbmeb-3152	96	22	increased	increase	VERB
ajbmeb-3152	96	23	again	again	ADV
ajbmeb-3152	96	24	to	to	ADP
ajbmeb-3152	96	25	112.3	112.3	NUM
ajbmeb-3152	96	26	%	%	NOUN
ajbmeb-3152	96	27	,	,	PUNCT
ajbmeb-3152	96	28	which	which	PRON
ajbmeb-3152	96	29	indicates	indicate	VERB
ajbmeb-3152	96	30	a	a	DET
ajbmeb-3152	96	31	stabilization	stabilization	NOUN
ajbmeb-3152	96	32	of	of	ADP
ajbmeb-3152	96	33	solvency	solvency	NOUN
ajbmeb-3152	96	34	.	.	PUNCT
ajbmeb-3152	97	1	in	in	ADP
ajbmeb-3152	97	2	general	general	ADJ
ajbmeb-3152	97	3	,	,	PUNCT
ajbmeb-3152	97	4	changes	change	NOUN
ajbmeb-3152	97	5	in	in	ADP
ajbmeb-3152	97	6	the	the	DET
ajbmeb-3152	97	7	deposit	deposit	NOUN
ajbmeb-3152	97	8	structure	structure	NOUN
ajbmeb-3152	97	9	directly	directly	ADV
ajbmeb-3152	97	10	affect	affect	VERB
ajbmeb-3152	97	11	the	the	DET
ajbmeb-3152	97	12	bank	bank	NOUN
ajbmeb-3152	97	13	's	's	PART
ajbmeb-3152	97	14	liquidity	liquidity	NOUN
ajbmeb-3152	97	15	and	and	CCONJ
ajbmeb-3152	97	16	funding	funding	NOUN
ajbmeb-3152	97	17	stability	stability	NOUN
ajbmeb-3152	97	18	,	,	PUNCT
ajbmeb-3152	97	19	indicating	indicate	VERB
ajbmeb-3152	97	20	the	the	DET
ajbmeb-3152	97	21	need	need	NOUN
ajbmeb-3152	97	22	to	to	PART
ajbmeb-3152	97	23	ensure	ensure	VERB
ajbmeb-3152	97	24	a	a	DET
ajbmeb-3152	97	25	balance	balance	NOUN
ajbmeb-3152	97	26	for	for	ADP
ajbmeb-3152	97	27	bank	bank	NOUN
ajbmeb-3152	97	28	management	management	NOUN
ajbmeb-3152	97	29	.	.	PUNCT
ajbmeb-3152	98	1	bank	bank	NOUN
ajbmeb-3152	98	2	deposits	deposit	NOUN
ajbmeb-3152	98	3	are	be	AUX
ajbmeb-3152	98	4	one	one	NUM
ajbmeb-3152	98	5	of	of	ADP
ajbmeb-3152	98	6	the	the	DET
ajbmeb-3152	98	7	main	main	ADJ
ajbmeb-3152	98	8	pillars	pillar	NOUN
ajbmeb-3152	98	9	of	of	ADP
ajbmeb-3152	98	10	the	the	DET
ajbmeb-3152	98	11	country	country	NOUN
ajbmeb-3152	98	12	's	's	PART
ajbmeb-3152	98	13	financial	financial	ADJ
ajbmeb-3152	98	14	system	system	NOUN
ajbmeb-3152	98	15	,	,	PUNCT
ajbmeb-3152	98	16	and	and	CCONJ
ajbmeb-3152	98	17	their	their	PRON
ajbmeb-3152	98	18	dynamics	dynamic	NOUN
ajbmeb-3152	98	19	reflect	reflect	VERB
ajbmeb-3152	98	20	the	the	DET
ajbmeb-3152	98	21	stability	stability	NOUN
ajbmeb-3152	98	22	of	of	ADP
ajbmeb-3152	98	23	the	the	DET
ajbmeb-3152	98	24	economy	economy	NOUN
ajbmeb-3152	98	25	,	,	PUNCT
ajbmeb-3152	98	26	investment	investment	NOUN
ajbmeb-3152	98	27	activity	activity	NOUN
ajbmeb-3152	98	28	,	,	PUNCT
ajbmeb-3152	98	29	and	and	CCONJ
ajbmeb-3152	98	30	the	the	DET
ajbmeb-3152	98	31	effectiveness	effectiveness	NOUN
ajbmeb-3152	98	32	of	of	ADP
ajbmeb-3152	98	33	monetary	monetary	ADJ
ajbmeb-3152	98	34	policy	policy	NOUN
ajbmeb-3152	98	35	.	.	PUNCT
ajbmeb-3152	99	1	indicators	indicator	NOUN
ajbmeb-3152	99	2	such	such	ADJ
ajbmeb-3152	99	3	as	as	ADP
ajbmeb-3152	99	4	the	the	DET
ajbmeb-3152	99	5	ratio	ratio	NOUN
ajbmeb-3152	99	6	of	of	ADP
ajbmeb-3152	99	7	deposits	deposit	NOUN
ajbmeb-3152	99	8	to	to	ADP
ajbmeb-3152	99	9	gdp	gdp	PROPN
ajbmeb-3152	99	10	,	,	PUNCT
ajbmeb-3152	99	11	the	the	DET
ajbmeb-3152	99	12	inflation	inflation	NOUN
ajbmeb-3152	99	13	rate	rate	NOUN
ajbmeb-3152	99	14	,	,	PUNCT
ajbmeb-3152	99	15	and	and	CCONJ
ajbmeb-3152	99	16	the	the	DET
ajbmeb-3152	99	17	required	require	VERB
ajbmeb-3152	99	18	reserve	reserve	NOUN
ajbmeb-3152	99	19	ratio	ratio	NOUN
ajbmeb-3152	99	20	allow	allow	VERB
ajbmeb-3152	99	21	us	we	PRON
ajbmeb-3152	99	22	to	to	PART
ajbmeb-3152	99	23	understand	understand	VERB
ajbmeb-3152	99	24	the	the	DET
ajbmeb-3152	99	25	relationship	relationship	NOUN
ajbmeb-3152	99	26	between	between	ADP
ajbmeb-3152	99	27	the	the	DET
ajbmeb-3152	99	28	banking	banking	NOUN
ajbmeb-3152	99	29	sector	sector	NOUN
ajbmeb-3152	99	30	and	and	CCONJ
ajbmeb-3152	99	31	the	the	DET
ajbmeb-3152	99	32	general	general	ADJ
ajbmeb-3152	99	33	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	99	34	environment	environment	NOUN
ajbmeb-3152	99	35	.	.	PUNCT
ajbmeb-3152	100	1	changes	change	NOUN
ajbmeb-3152	100	2	in	in	ADP
ajbmeb-3152	100	3	the	the	DET
ajbmeb-3152	100	4	balance	balance	NOUN
ajbmeb-3152	100	5	of	of	ADP
ajbmeb-3152	100	6	deposits	deposit	NOUN
ajbmeb-3152	100	7	and	and	CCONJ
ajbmeb-3152	100	8	gdp	gdp	NOUN
ajbmeb-3152	100	9	,	,	PUNCT
ajbmeb-3152	100	10	the	the	DET
ajbmeb-3152	100	11	downward	downward	ADJ
ajbmeb-3152	100	12	trend	trend	NOUN
ajbmeb-3152	100	13	in	in	ADP
ajbmeb-3152	100	14	inflation	inflation	NOUN
ajbmeb-3152	100	15	,	,	PUNCT
ajbmeb-3152	100	16	and	and	CCONJ
ajbmeb-3152	100	17	the	the	DET
ajbmeb-3152	100	18	stable	stable	ADJ
ajbmeb-3152	100	19	maintenance	maintenance	NOUN
ajbmeb-3152	100	20	of	of	ADP
ajbmeb-3152	100	21	the	the	DET
ajbmeb-3152	100	22	required	require	VERB
ajbmeb-3152	100	23	reserve	reserve	NOUN
ajbmeb-3152	100	24	ratio	ratio	NOUN
ajbmeb-3152	100	25	over	over	ADP
ajbmeb-3152	100	26	the	the	DET
ajbmeb-3152	100	27	period	period	NOUN
ajbmeb-3152	100	28	2019	2019	NUM
ajbmeb-3152	100	29	-	-	SYM
ajbmeb-3152	100	30	2024	2024	NUM
ajbmeb-3152	100	31	demonstrated	demonstrate	VERB
ajbmeb-3152	100	32	different	different	ADJ
ajbmeb-3152	100	33	stages	stage	NOUN
ajbmeb-3152	100	34	of	of	ADP
ajbmeb-3152	100	35	development	development	NOUN
ajbmeb-3152	100	36	of	of	ADP
ajbmeb-3152	100	37	the	the	DET
ajbmeb-3152	100	38	banking	banking	NOUN
ajbmeb-3152	100	39	system	system	NOUN
ajbmeb-3152	100	40	in	in	ADP
ajbmeb-3152	100	41	the	the	DET
ajbmeb-3152	100	42	country	country	NOUN
ajbmeb-3152	100	43	.	.	PUNCT
ajbmeb-3152	101	1	the	the	DET
ajbmeb-3152	101	2	table	table	NOUN
ajbmeb-3152	101	3	below	below	ADP
ajbmeb-3152	101	4	analyzes	analyze	VERB
ajbmeb-3152	101	5	the	the	DET
ajbmeb-3152	101	6	share	share	NOUN
ajbmeb-3152	101	7	of	of	ADP
ajbmeb-3152	101	8	deposits	deposit	NOUN
ajbmeb-3152	101	9	in	in	ADP
ajbmeb-3152	101	10	the	the	DET
ajbmeb-3152	101	11	economy	economy	NOUN
ajbmeb-3152	101	12	and	and	CCONJ
ajbmeb-3152	101	13	the	the	DET
ajbmeb-3152	101	14	main	main	ADJ
ajbmeb-3152	101	15	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	101	16	factors	factor	NOUN
ajbmeb-3152	101	17	affecting	affect	VERB
ajbmeb-3152	101	18	them	they	PRON
ajbmeb-3152	101	19	.	.	PUNCT
ajbmeb-3152	102	1	table	table	NOUN
ajbmeb-3152	102	2	3	3	NUM
ajbmeb-3152	102	3	.	.	PUNCT
ajbmeb-3152	102	4	bank	bank	NOUN
ajbmeb-3152	102	5	system	system	NOUN
ajbmeb-3152	102	6	deposits	deposit	NOUN
ajbmeb-3152	102	7	and	and	CCONJ
ajbmeb-3152	102	8	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	102	9	parameters	parameter	NOUN
ajbmeb-3152	102	10	of	of	ADP
ajbmeb-3152	102	11	our	our	PRON
ajbmeb-3152	102	12	country[8	country[8	NOUN
ajbmeb-3152	102	13	]	]	SYM
ajbmeb-3152	102	14	years	year	NOUN
ajbmeb-3152	102	15	total	total	ADJ
ajbmeb-3152	102	16	deposits	deposit	NOUN
ajbmeb-3152	102	17	gdp	gdp	PROPN
ajbmeb-3152	102	18	,	,	PUNCT
ajbmeb-3152	102	19	billion	billion	NUM
ajbmeb-3152	102	20	soums	soum	NOUN
ajbmeb-3152	102	21	inflation	inflation	NOUN
ajbmeb-3152	102	22	rate	rate	NOUN
ajbmeb-3152	102	23	reserve	reserve	PROPN
ajbmeb-3152	102	24	requirement	requirement	NOUN
ajbmeb-3152	102	25	ratios	ratio	NOUN
ajbmeb-3152	102	26	,	,	PUNCT
ajbmeb-3152	102	27	in	in	ADP
ajbmeb-3152	102	28	percent	percent	NOUN
ajbmeb-3152	102	29	(	(	PUNCT
ajbmeb-3152	102	30	in	in	ADP
ajbmeb-3152	102	31	national	national	ADJ
ajbmeb-3152	102	32	currency	currency	NOUN
ajbmeb-3152	102	33	)	)	PUNCT
ajbmeb-3152	102	34	share	share	NOUN
ajbmeb-3152	102	35	of	of	ADP
ajbmeb-3152	102	36	deposits	deposit	NOUN
ajbmeb-3152	102	37	in	in	ADP
ajbmeb-3152	102	38	gdp	gdp	NOUN
ajbmeb-3152	102	39	,	,	PUNCT
ajbmeb-3152	102	40	%	%	NOUN
ajbmeb-3152	102	41	2019	2019	NUM
ajbmeb-3152	102	42	91009	91009	NUM
ajbmeb-3152	103	1	532712,5	532712,5	NUM
ajbmeb-3152	103	2	15,2	15,2	NUM
ajbmeb-3152	103	3	4	4	NUM
ajbmeb-3152	103	4	17,1	17,1	NUM
ajbmeb-3152	103	5	2020	2020	NUM
ajbmeb-3152	103	6	114747	114747	NUM
ajbmeb-3152	103	7	605514,9	605514,9	NUM
ajbmeb-3152	103	8	11,2	11,2	NUM
ajbmeb-3152	103	9	4	4	NUM
ajbmeb-3152	103	10	19,0	19,0	NUM
ajbmeb-3152	103	11	2021	2021	NUM
ajbmeb-3152	103	12	156190	156190	NUM
ajbmeb-3152	103	13	738425,2	738425,2	NUM
ajbmeb-3152	103	14	10,0	10,0	NUM
ajbmeb-3152	103	15	4	4	NUM
ajbmeb-3152	103	16	21,2	21,2	NUM
ajbmeb-3152	103	17	2022	2022	NUM
ajbmeb-3152	103	18	216738	216738	NUM
ajbmeb-3152	103	19	888341,7	888341,7	NUM
ajbmeb-3152	103	20	12,3	12,3	NUM
ajbmeb-3152	103	21	4	4	NUM
ajbmeb-3152	103	22	24,4	24,4	NUM
ajbmeb-3152	103	23	2023	2023	NUM
ajbmeb-3152	103	24	241687	241687	NUM
ajbmeb-3152	103	25	1066500,2	1066500,2	NUM
ajbmeb-3152	103	26	8,7	8,7	NUM
ajbmeb-3152	103	27	4	4	NUM
ajbmeb-3152	103	28	22,7	22,7	NUM
ajbmeb-3152	103	29	2024	2024	NUM
ajbmeb-3152	103	30	308693	308693	NUM
ajbmeb-3152	103	31	1454	1454	NUM
ajbmeb-3152	104	1	573,9	573,9	NUM
ajbmeb-3152	104	2	8,8	8,8	NUM
ajbmeb-3152	104	3	4	4	NUM
ajbmeb-3152	104	4	21,2	21,2	NUM
ajbmeb-3152	104	5	american	american	ADJ
ajbmeb-3152	104	6	journal	journal	NOUN
ajbmeb-3152	104	7	of	of	ADP
ajbmeb-3152	104	8	business	business	NOUN
ajbmeb-3152	104	9	management	management	NOUN
ajbmeb-3152	104	10	,	,	PUNCT
ajbmeb-3152	104	11	economics	economic	NOUN
ajbmeb-3152	104	12	and	and	CCONJ
ajbmeb-3152	104	13	banking	banking	NOUN
ajbmeb-3152	104	14	volume	volume	NOUN
ajbmeb-3152	104	15	41	41	NUM
ajbmeb-3152	105	1	october2025	october2025	PROPN
ajbmeb-3152	105	2	p	p	NOUN
ajbmeb-3152	105	3	a	a	DET
ajbmeb-3152	105	4	g	g	NOUN
ajbmeb-3152	105	5	e	e	NOUN
ajbmeb-3152	105	6	|	|	ADV
ajbmeb-3152	105	7	115	115	NUM
ajbmeb-3152	105	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	105	9	during	during	ADP
ajbmeb-3152	105	10	the	the	DET
ajbmeb-3152	105	11	period	period	NOUN
ajbmeb-3152	105	12	under	under	ADP
ajbmeb-3152	105	13	review	review	NOUN
ajbmeb-3152	105	14	,	,	PUNCT
ajbmeb-3152	105	15	the	the	DET
ajbmeb-3152	105	16	share	share	NOUN
ajbmeb-3152	105	17	of	of	ADP
ajbmeb-3152	105	18	deposits	deposit	NOUN
ajbmeb-3152	105	19	in	in	ADP
ajbmeb-3152	105	20	gdp	gdp	NOUN
ajbmeb-3152	105	21	reached	reach	VERB
ajbmeb-3152	105	22	24.4	24.4	NUM
ajbmeb-3152	105	23	%	%	NOUN
ajbmeb-3152	105	24	in	in	ADP
ajbmeb-3152	105	25	2022	2022	NUM
ajbmeb-3152	105	26	,	,	PUNCT
ajbmeb-3152	105	27	but	but	CCONJ
ajbmeb-3152	105	28	in	in	ADP
ajbmeb-3152	105	29	subsequent	subsequent	ADJ
ajbmeb-3152	105	30	years	year	NOUN
ajbmeb-3152	105	31	it	it	PRON
ajbmeb-3152	105	32	decreased	decrease	VERB
ajbmeb-3152	105	33	from	from	ADP
ajbmeb-3152	105	34	22.7	22.7	NUM
ajbmeb-3152	105	35	%	%	NOUN
ajbmeb-3152	105	36	to	to	ADP
ajbmeb-3152	105	37	21.2	21.2	NUM
ajbmeb-3152	105	38	%	%	NOUN
ajbmeb-3152	105	39	.	.	PUNCT
ajbmeb-3152	106	1	this	this	PRON
ajbmeb-3152	106	2	indicates	indicate	VERB
ajbmeb-3152	106	3	a	a	DET
ajbmeb-3152	106	4	decrease	decrease	NOUN
ajbmeb-3152	106	5	in	in	ADP
ajbmeb-3152	106	6	the	the	DET
ajbmeb-3152	106	7	resource	resource	NOUN
ajbmeb-3152	106	8	base	base	NOUN
ajbmeb-3152	106	9	of	of	ADP
ajbmeb-3152	106	10	the	the	DET
ajbmeb-3152	106	11	banking	banking	NOUN
ajbmeb-3152	106	12	system	system	NOUN
ajbmeb-3152	106	13	relative	relative	ADJ
ajbmeb-3152	106	14	to	to	ADP
ajbmeb-3152	106	15	the	the	DET
ajbmeb-3152	106	16	total	total	ADJ
ajbmeb-3152	106	17	financial	financial	ADJ
ajbmeb-3152	106	18	flows	flow	NOUN
ajbmeb-3152	106	19	in	in	ADP
ajbmeb-3152	106	20	the	the	DET
ajbmeb-3152	106	21	economy	economy	NOUN
ajbmeb-3152	106	22	.	.	PUNCT
ajbmeb-3152	107	1	this	this	DET
ajbmeb-3152	107	2	trend	trend	NOUN
ajbmeb-3152	107	3	may	may	AUX
ajbmeb-3152	107	4	limit	limit	VERB
ajbmeb-3152	107	5	the	the	DET
ajbmeb-3152	107	6	ability	ability	NOUN
ajbmeb-3152	107	7	of	of	ADP
ajbmeb-3152	107	8	banks	bank	NOUN
ajbmeb-3152	107	9	to	to	PART
ajbmeb-3152	107	10	provide	provide	VERB
ajbmeb-3152	107	11	long	long	ADJ
ajbmeb-3152	107	12	-	-	PUNCT
ajbmeb-3152	107	13	term	term	NOUN
ajbmeb-3152	107	14	lending	lending	NOUN
ajbmeb-3152	107	15	and	and	CCONJ
ajbmeb-3152	107	16	increase	increase	VERB
ajbmeb-3152	107	17	the	the	DET
ajbmeb-3152	107	18	demand	demand	NOUN
ajbmeb-3152	107	19	for	for	ADP
ajbmeb-3152	107	20	capital	capital	NOUN
ajbmeb-3152	107	21	markets	market	NOUN
ajbmeb-3152	107	22	.	.	PUNCT
ajbmeb-3152	108	1	also	also	ADV
ajbmeb-3152	108	2	,	,	PUNCT
ajbmeb-3152	108	3	a	a	DET
ajbmeb-3152	108	4	decrease	decrease	NOUN
ajbmeb-3152	108	5	in	in	ADP
ajbmeb-3152	108	6	the	the	DET
ajbmeb-3152	108	7	share	share	NOUN
ajbmeb-3152	108	8	of	of	ADP
ajbmeb-3152	108	9	deposits	deposit	NOUN
ajbmeb-3152	108	10	directly	directly	ADV
ajbmeb-3152	108	11	affects	affect	VERB
ajbmeb-3152	108	12	bank	bank	NOUN
ajbmeb-3152	108	13	liquidity	liquidity	NOUN
ajbmeb-3152	108	14	,	,	PUNCT
ajbmeb-3152	108	15	which	which	PRON
ajbmeb-3152	108	16	may	may	AUX
ajbmeb-3152	108	17	lead	lead	VERB
ajbmeb-3152	108	18	to	to	ADP
ajbmeb-3152	108	19	a	a	DET
ajbmeb-3152	108	20	limitation	limitation	NOUN
ajbmeb-3152	108	21	of	of	ADP
ajbmeb-3152	108	22	investment	investment	NOUN
ajbmeb-3152	108	23	projects	project	NOUN
ajbmeb-3152	108	24	financed	finance	VERB
ajbmeb-3152	108	25	by	by	ADP
ajbmeb-3152	108	26	banks	bank	NOUN
ajbmeb-3152	108	27	.	.	PUNCT
ajbmeb-3152	109	1	a	a	DET
ajbmeb-3152	109	2	decrease	decrease	NOUN
ajbmeb-3152	109	3	in	in	ADP
ajbmeb-3152	109	4	liquidity	liquidity	NOUN
ajbmeb-3152	109	5	,	,	PUNCT
ajbmeb-3152	109	6	in	in	ADP
ajbmeb-3152	109	7	turn	turn	NOUN
ajbmeb-3152	109	8	,	,	PUNCT
ajbmeb-3152	109	9	may	may	AUX
ajbmeb-3152	109	10	lead	lead	VERB
ajbmeb-3152	109	11	to	to	ADP
ajbmeb-3152	109	12	an	an	DET
ajbmeb-3152	109	13	increase	increase	NOUN
ajbmeb-3152	109	14	in	in	ADP
ajbmeb-3152	109	15	lending	lending	NOUN
ajbmeb-3152	109	16	rates	rate	NOUN
ajbmeb-3152	109	17	by	by	ADP
ajbmeb-3152	109	18	banks	bank	NOUN
ajbmeb-3152	109	19	,	,	PUNCT
ajbmeb-3152	109	20	which	which	PRON
ajbmeb-3152	109	21	may	may	AUX
ajbmeb-3152	109	22	increase	increase	VERB
ajbmeb-3152	109	23	the	the	DET
ajbmeb-3152	109	24	cost	cost	NOUN
ajbmeb-3152	109	25	of	of	ADP
ajbmeb-3152	109	26	financing	financing	NOUN
ajbmeb-3152	109	27	for	for	ADP
ajbmeb-3152	109	28	the	the	DET
ajbmeb-3152	109	29	private	private	ADJ
ajbmeb-3152	109	30	sector	sector	NOUN
ajbmeb-3152	109	31	and	and	CCONJ
ajbmeb-3152	109	32	the	the	DET
ajbmeb-3152	109	33	population	population	NOUN
ajbmeb-3152	109	34	.	.	PUNCT
ajbmeb-3152	110	1	a	a	DET
ajbmeb-3152	110	2	decline	decline	NOUN
ajbmeb-3152	110	3	in	in	ADP
ajbmeb-3152	110	4	the	the	DET
ajbmeb-3152	110	5	inflation	inflation	NOUN
ajbmeb-3152	110	6	rate	rate	NOUN
ajbmeb-3152	110	7	from	from	ADP
ajbmeb-3152	110	8	15.2	15.2	NUM
ajbmeb-3152	110	9	%	%	NOUN
ajbmeb-3152	110	10	in	in	ADP
ajbmeb-3152	110	11	2019	2019	NUM
ajbmeb-3152	110	12	to	to	PART
ajbmeb-3152	110	13	8.8	8.8	NUM
ajbmeb-3152	110	14	%	%	NOUN
ajbmeb-3152	110	15	in	in	ADP
ajbmeb-3152	110	16	2024	2024	NUM
ajbmeb-3152	110	17	would	would	AUX
ajbmeb-3152	110	18	theoretically	theoretically	ADV
ajbmeb-3152	110	19	indicate	indicate	VERB
ajbmeb-3152	110	20	that	that	SCONJ
ajbmeb-3152	110	21	the	the	DET
ajbmeb-3152	110	22	money	money	NOUN
ajbmeb-3152	110	23	supply	supply	NOUN
ajbmeb-3152	110	24	in	in	ADP
ajbmeb-3152	110	25	the	the	DET
ajbmeb-3152	110	26	economy	economy	NOUN
ajbmeb-3152	110	27	is	be	AUX
ajbmeb-3152	110	28	better	well	ADV
ajbmeb-3152	110	29	managed	manage	VERB
ajbmeb-3152	110	30	.	.	PUNCT
ajbmeb-3152	111	1	however	however	ADV
ajbmeb-3152	111	2	,	,	PUNCT
ajbmeb-3152	111	3	despite	despite	SCONJ
ajbmeb-3152	111	4	the	the	DET
ajbmeb-3152	111	5	decrease	decrease	NOUN
ajbmeb-3152	111	6	in	in	ADP
ajbmeb-3152	111	7	inflation	inflation	NOUN
ajbmeb-3152	111	8	,	,	PUNCT
ajbmeb-3152	111	9	the	the	DET
ajbmeb-3152	111	10	share	share	NOUN
ajbmeb-3152	111	11	of	of	ADP
ajbmeb-3152	111	12	deposits	deposit	NOUN
ajbmeb-3152	111	13	in	in	ADP
ajbmeb-3152	111	14	relation	relation	NOUN
ajbmeb-3152	111	15	to	to	ADP
ajbmeb-3152	111	16	gdp	gdp	NOUN
ajbmeb-3152	111	17	is	be	AUX
ajbmeb-3152	111	18	also	also	ADV
ajbmeb-3152	111	19	decreasing	decrease	VERB
ajbmeb-3152	111	20	.	.	PUNCT
ajbmeb-3152	112	1	this	this	DET
ajbmeb-3152	112	2	situation	situation	NOUN
ajbmeb-3152	112	3	may	may	AUX
ajbmeb-3152	112	4	indicate	indicate	VERB
ajbmeb-3152	112	5	that	that	SCONJ
ajbmeb-3152	112	6	customers	customer	NOUN
ajbmeb-3152	112	7	'	'	PART
ajbmeb-3152	112	8	interest	interest	NOUN
ajbmeb-3152	112	9	in	in	ADP
ajbmeb-3152	112	10	saving	save	VERB
ajbmeb-3152	112	11	deposits	deposit	NOUN
ajbmeb-3152	112	12	has	have	AUX
ajbmeb-3152	112	13	decreased	decrease	VERB
ajbmeb-3152	112	14	,	,	PUNCT
ajbmeb-3152	112	15	and	and	CCONJ
ajbmeb-3152	112	16	capital	capital	NOUN
ajbmeb-3152	112	17	has	have	AUX
ajbmeb-3152	112	18	been	be	AUX
ajbmeb-3152	112	19	directed	direct	VERB
ajbmeb-3152	112	20	to	to	ADP
ajbmeb-3152	112	21	financial	financial	ADJ
ajbmeb-3152	112	22	instruments	instrument	NOUN
ajbmeb-3152	112	23	outside	outside	ADP
ajbmeb-3152	112	24	the	the	DET
ajbmeb-3152	112	25	banking	banking	NOUN
ajbmeb-3152	112	26	system	system	NOUN
ajbmeb-3152	112	27	.	.	PUNCT
ajbmeb-3152	113	1	if	if	SCONJ
ajbmeb-3152	113	2	banks	bank	NOUN
ajbmeb-3152	113	3	are	be	AUX
ajbmeb-3152	113	4	forced	force	VERB
ajbmeb-3152	113	5	to	to	PART
ajbmeb-3152	113	6	offer	offer	VERB
ajbmeb-3152	113	7	higher	high	ADJ
ajbmeb-3152	113	8	interest	interest	NOUN
ajbmeb-3152	113	9	rates	rate	NOUN
ajbmeb-3152	113	10	to	to	PART
ajbmeb-3152	113	11	retain	retain	VERB
ajbmeb-3152	113	12	deposits	deposit	NOUN
ajbmeb-3152	113	13	,	,	PUNCT
ajbmeb-3152	113	14	this	this	PRON
ajbmeb-3152	113	15	will	will	AUX
ajbmeb-3152	113	16	increase	increase	VERB
ajbmeb-3152	113	17	bank	bank	NOUN
ajbmeb-3152	113	18	costs	cost	NOUN
ajbmeb-3152	113	19	and	and	CCONJ
ajbmeb-3152	113	20	reduce	reduce	VERB
ajbmeb-3152	113	21	their	their	PRON
ajbmeb-3152	113	22	interest	interest	NOUN
ajbmeb-3152	113	23	margins	margin	NOUN
ajbmeb-3152	113	24	.	.	PUNCT
ajbmeb-3152	114	1	also	also	ADV
ajbmeb-3152	114	2	,	,	PUNCT
ajbmeb-3152	114	3	if	if	SCONJ
ajbmeb-3152	114	4	deposit	deposit	NOUN
ajbmeb-3152	114	5	rates	rate	NOUN
ajbmeb-3152	114	6	increase	increase	VERB
ajbmeb-3152	114	7	,	,	PUNCT
ajbmeb-3152	114	8	the	the	DET
ajbmeb-3152	114	9	central	central	ADJ
ajbmeb-3152	114	10	bank	bank	NOUN
ajbmeb-3152	114	11	's	's	PART
ajbmeb-3152	114	12	ability	ability	NOUN
ajbmeb-3152	114	13	to	to	PART
ajbmeb-3152	114	14	ease	ease	VERB
ajbmeb-3152	114	15	monetary	monetary	ADJ
ajbmeb-3152	114	16	policy	policy	NOUN
ajbmeb-3152	114	17	may	may	AUX
ajbmeb-3152	114	18	be	be	AUX
ajbmeb-3152	114	19	limited	limit	VERB
ajbmeb-3152	114	20	,	,	PUNCT
ajbmeb-3152	114	21	which	which	PRON
ajbmeb-3152	114	22	poses	pose	VERB
ajbmeb-3152	114	23	the	the	DET
ajbmeb-3152	114	24	risk	risk	NOUN
ajbmeb-3152	114	25	of	of	ADP
ajbmeb-3152	114	26	reducing	reduce	VERB
ajbmeb-3152	114	27	overall	overall	ADJ
ajbmeb-3152	114	28	activity	activity	NOUN
ajbmeb-3152	114	29	in	in	ADP
ajbmeb-3152	114	30	the	the	DET
ajbmeb-3152	114	31	economy	economy	NOUN
ajbmeb-3152	114	32	.	.	PUNCT
ajbmeb-3152	115	1	the	the	DET
ajbmeb-3152	115	2	balance	balance	NOUN
ajbmeb-3152	115	3	of	of	ADP
ajbmeb-3152	115	4	deposits	deposit	NOUN
ajbmeb-3152	115	5	increased	increase	VERB
ajbmeb-3152	115	6	by	by	ADP
ajbmeb-3152	115	7	3.4	3.4	NUM
ajbmeb-3152	115	8	times	time	NOUN
ajbmeb-3152	115	9	from	from	ADP
ajbmeb-3152	115	10	2019	2019	NUM
ajbmeb-3152	115	11	to	to	ADP
ajbmeb-3152	115	12	2024	2024	NUM
ajbmeb-3152	115	13	.	.	PUNCT
ajbmeb-3152	116	1	this	this	PRON
ajbmeb-3152	116	2	indicates	indicate	VERB
ajbmeb-3152	116	3	that	that	SCONJ
ajbmeb-3152	116	4	banks	bank	NOUN
ajbmeb-3152	116	5	are	be	AUX
ajbmeb-3152	116	6	pursuing	pursue	VERB
ajbmeb-3152	116	7	an	an	DET
ajbmeb-3152	116	8	active	active	ADJ
ajbmeb-3152	116	9	deposit	deposit	NOUN
ajbmeb-3152	116	10	policy	policy	NOUN
ajbmeb-3152	116	11	and	and	CCONJ
ajbmeb-3152	116	12	the	the	DET
ajbmeb-3152	116	13	population	population	NOUN
ajbmeb-3152	116	14	's	's	PART
ajbmeb-3152	116	15	confidence	confidence	NOUN
ajbmeb-3152	116	16	in	in	ADP
ajbmeb-3152	116	17	keeping	keep	VERB
ajbmeb-3152	116	18	their	their	PRON
ajbmeb-3152	116	19	deposits	deposit	NOUN
ajbmeb-3152	116	20	in	in	ADP
ajbmeb-3152	116	21	the	the	DET
ajbmeb-3152	116	22	banking	banking	NOUN
ajbmeb-3152	116	23	system	system	NOUN
ajbmeb-3152	116	24	has	have	AUX
ajbmeb-3152	116	25	increased	increase	VERB
ajbmeb-3152	116	26	.	.	PUNCT
ajbmeb-3152	117	1	however	however	ADV
ajbmeb-3152	117	2	,	,	PUNCT
ajbmeb-3152	117	3	the	the	DET
ajbmeb-3152	117	4	decline	decline	NOUN
ajbmeb-3152	117	5	in	in	ADP
ajbmeb-3152	117	6	the	the	DET
ajbmeb-3152	117	7	share	share	NOUN
ajbmeb-3152	117	8	of	of	ADP
ajbmeb-3152	117	9	deposits	deposit	NOUN
ajbmeb-3152	117	10	in	in	ADP
ajbmeb-3152	117	11	gdp	gdp	NOUN
ajbmeb-3152	117	12	indicates	indicate	VERB
ajbmeb-3152	117	13	the	the	DET
ajbmeb-3152	117	14	need	need	NOUN
ajbmeb-3152	117	15	for	for	SCONJ
ajbmeb-3152	117	16	banks	bank	NOUN
ajbmeb-3152	117	17	to	to	PART
ajbmeb-3152	117	18	reconsider	reconsider	VERB
ajbmeb-3152	117	19	their	their	PRON
ajbmeb-3152	117	20	new	new	ADJ
ajbmeb-3152	117	21	interest	interest	NOUN
ajbmeb-3152	117	22	rate	rate	NOUN
ajbmeb-3152	117	23	policy	policy	NOUN
ajbmeb-3152	117	24	directions	direction	NOUN
ajbmeb-3152	117	25	.	.	PUNCT
ajbmeb-3152	118	1	if	if	SCONJ
ajbmeb-3152	118	2	banks	bank	NOUN
ajbmeb-3152	118	3	offer	offer	VERB
ajbmeb-3152	118	4	higher	high	ADJ
ajbmeb-3152	118	5	interest	interest	NOUN
ajbmeb-3152	118	6	rates	rate	NOUN
ajbmeb-3152	118	7	to	to	PART
ajbmeb-3152	118	8	attract	attract	VERB
ajbmeb-3152	118	9	deposits	deposit	NOUN
ajbmeb-3152	118	10	,	,	PUNCT
ajbmeb-3152	118	11	this	this	PRON
ajbmeb-3152	118	12	will	will	AUX
ajbmeb-3152	118	13	also	also	ADV
ajbmeb-3152	118	14	lead	lead	VERB
ajbmeb-3152	118	15	to	to	ADP
ajbmeb-3152	118	16	an	an	DET
ajbmeb-3152	118	17	increase	increase	NOUN
ajbmeb-3152	118	18	in	in	ADP
ajbmeb-3152	118	19	rates	rate	NOUN
ajbmeb-3152	118	20	for	for	ADP
ajbmeb-3152	118	21	loans	loan	NOUN
ajbmeb-3152	118	22	.	.	PUNCT
ajbmeb-3152	119	1	such	such	ADJ
ajbmeb-3152	119	2	changes	change	NOUN
ajbmeb-3152	119	3	in	in	ADP
ajbmeb-3152	119	4	the	the	DET
ajbmeb-3152	119	5	credit	credit	NOUN
ajbmeb-3152	119	6	market	market	NOUN
ajbmeb-3152	119	7	can	can	AUX
ajbmeb-3152	119	8	lead	lead	VERB
ajbmeb-3152	119	9	to	to	ADP
ajbmeb-3152	119	10	an	an	DET
ajbmeb-3152	119	11	increase	increase	NOUN
ajbmeb-3152	119	12	in	in	ADP
ajbmeb-3152	119	13	the	the	DET
ajbmeb-3152	119	14	financial	financial	ADJ
ajbmeb-3152	119	15	costs	cost	NOUN
ajbmeb-3152	119	16	of	of	ADP
ajbmeb-3152	119	17	small	small	ADJ
ajbmeb-3152	119	18	and	and	CCONJ
ajbmeb-3152	119	19	medium	medium	ADJ
ajbmeb-3152	119	20	-	-	PUNCT
ajbmeb-3152	119	21	sized	sized	ADJ
ajbmeb-3152	119	22	businesses	business	NOUN
ajbmeb-3152	119	23	,	,	PUNCT
ajbmeb-3152	119	24	slow	slow	VERB
ajbmeb-3152	119	25	down	down	ADP
ajbmeb-3152	119	26	investment	investment	NOUN
ajbmeb-3152	119	27	processes	process	NOUN
ajbmeb-3152	119	28	,	,	PUNCT
ajbmeb-3152	119	29	and	and	CCONJ
ajbmeb-3152	119	30	thereby	thereby	ADV
ajbmeb-3152	119	31	negatively	negatively	ADV
ajbmeb-3152	119	32	affect	affect	VERB
ajbmeb-3152	119	33	economic	economic	ADJ
ajbmeb-3152	119	34	growth	growth	NOUN
ajbmeb-3152	119	35	.	.	PUNCT
ajbmeb-3152	120	1	the	the	DET
ajbmeb-3152	120	2	table	table	NOUN
ajbmeb-3152	120	3	shows	show	VERB
ajbmeb-3152	120	4	that	that	SCONJ
ajbmeb-3152	120	5	the	the	DET
ajbmeb-3152	120	6	central	central	ADJ
ajbmeb-3152	120	7	bank	bank	NOUN
ajbmeb-3152	120	8	has	have	AUX
ajbmeb-3152	120	9	not	not	PART
ajbmeb-3152	120	10	changed	change	VERB
ajbmeb-3152	120	11	the	the	DET
ajbmeb-3152	120	12	reserve	reserve	NOUN
ajbmeb-3152	120	13	requirement	requirement	NOUN
ajbmeb-3152	120	14	ratio	ratio	NOUN
ajbmeb-3152	120	15	(	(	PUNCT
ajbmeb-3152	120	16	4	4	NUM
ajbmeb-3152	120	17	%	%	NOUN
ajbmeb-3152	120	18	)	)	PUNCT
ajbmeb-3152	120	19	for	for	ADP
ajbmeb-3152	120	20	20192024	20192024	NUM
ajbmeb-3152	120	21	.	.	PUNCT
ajbmeb-3152	121	1	although	although	SCONJ
ajbmeb-3152	121	2	this	this	PRON
ajbmeb-3152	121	3	has	have	AUX
ajbmeb-3152	121	4	created	create	VERB
ajbmeb-3152	121	5	a	a	DET
ajbmeb-3152	121	6	certain	certain	ADJ
ajbmeb-3152	121	7	degree	degree	NOUN
ajbmeb-3152	121	8	of	of	ADP
ajbmeb-3152	121	9	stability	stability	NOUN
ajbmeb-3152	121	10	for	for	ADP
ajbmeb-3152	121	11	banks	bank	NOUN
ajbmeb-3152	121	12	,	,	PUNCT
ajbmeb-3152	121	13	if	if	SCONJ
ajbmeb-3152	121	14	the	the	DET
ajbmeb-3152	121	15	share	share	NOUN
ajbmeb-3152	121	16	of	of	ADP
ajbmeb-3152	121	17	deposits	deposit	NOUN
ajbmeb-3152	121	18	in	in	ADP
ajbmeb-3152	121	19	gdp	gdp	NOUN
ajbmeb-3152	121	20	continues	continue	VERB
ajbmeb-3152	121	21	to	to	PART
ajbmeb-3152	121	22	decline	decline	VERB
ajbmeb-3152	121	23	in	in	ADP
ajbmeb-3152	121	24	the	the	DET
ajbmeb-3152	121	25	coming	come	VERB
ajbmeb-3152	121	26	years	year	NOUN
ajbmeb-3152	121	27	,	,	PUNCT
ajbmeb-3152	121	28	the	the	DET
ajbmeb-3152	121	29	liquidity	liquidity	NOUN
ajbmeb-3152	121	30	risk	risk	NOUN
ajbmeb-3152	121	31	of	of	ADP
ajbmeb-3152	121	32	banks	bank	NOUN
ajbmeb-3152	121	33	may	may	AUX
ajbmeb-3152	121	34	increase	increase	VERB
ajbmeb-3152	121	35	.	.	PUNCT
ajbmeb-3152	122	1	this	this	PRON
ajbmeb-3152	122	2	is	be	AUX
ajbmeb-3152	122	3	because	because	SCONJ
ajbmeb-3152	122	4	a	a	DET
ajbmeb-3152	122	5	high	high	ADJ
ajbmeb-3152	122	6	reserve	reserve	NOUN
ajbmeb-3152	122	7	requirement	requirement	NOUN
ajbmeb-3152	122	8	ratio	ratio	NOUN
ajbmeb-3152	122	9	may	may	AUX
ajbmeb-3152	122	10	limit	limit	VERB
ajbmeb-3152	122	11	the	the	DET
ajbmeb-3152	122	12	ability	ability	NOUN
ajbmeb-3152	122	13	of	of	ADP
ajbmeb-3152	122	14	banks	bank	NOUN
ajbmeb-3152	122	15	to	to	PART
ajbmeb-3152	122	16	inject	inject	VERB
ajbmeb-3152	122	17	the	the	DET
ajbmeb-3152	122	18	funds	fund	NOUN
ajbmeb-3152	122	19	they	they	PRON
ajbmeb-3152	122	20	hold	hold	VERB
ajbmeb-3152	122	21	into	into	ADP
ajbmeb-3152	122	22	the	the	DET
ajbmeb-3152	122	23	economy	economy	NOUN
ajbmeb-3152	122	24	.	.	PUNCT
ajbmeb-3152	123	1	this	this	DET
ajbmeb-3152	123	2	situation	situation	NOUN
ajbmeb-3152	123	3	will	will	AUX
ajbmeb-3152	123	4	increase	increase	VERB
ajbmeb-3152	123	5	caution	caution	NOUN
ajbmeb-3152	123	6	in	in	ADP
ajbmeb-3152	123	7	banks	bank	NOUN
ajbmeb-3152	123	8	'	'	PART
ajbmeb-3152	123	9	liquidity	liquidity	NOUN
ajbmeb-3152	123	10	management	management	NOUN
ajbmeb-3152	123	11	,	,	PUNCT
ajbmeb-3152	123	12	and	and	CCONJ
ajbmeb-3152	123	13	some	some	DET
ajbmeb-3152	123	14	banks	bank	NOUN
ajbmeb-3152	123	15	may	may	AUX
ajbmeb-3152	123	16	offer	offer	VERB
ajbmeb-3152	123	17	high	high	ADJ
ajbmeb-3152	123	18	-	-	PUNCT
ajbmeb-3152	123	19	interest	interest	NOUN
ajbmeb-3152	123	20	deposits	deposit	NOUN
ajbmeb-3152	123	21	,	,	PUNCT
ajbmeb-3152	123	22	which	which	PRON
ajbmeb-3152	123	23	will	will	AUX
ajbmeb-3152	123	24	also	also	ADV
ajbmeb-3152	123	25	increase	increase	VERB
ajbmeb-3152	123	26	costs	cost	NOUN
ajbmeb-3152	123	27	in	in	ADP
ajbmeb-3152	123	28	the	the	DET
ajbmeb-3152	123	29	credit	credit	NOUN
ajbmeb-3152	123	30	market	market	NOUN
ajbmeb-3152	123	31	.	.	PUNCT
ajbmeb-3152	124	1	conclusions	conclusion	NOUN
ajbmeb-3152	124	2	and	and	CCONJ
ajbmeb-3152	124	3	suggestions	suggestion	NOUN
ajbmeb-3152	124	4	the	the	DET
ajbmeb-3152	124	5	theoretical	theoretical	ADJ
ajbmeb-3152	124	6	and	and	CCONJ
ajbmeb-3152	124	7	practical	practical	ADJ
ajbmeb-3152	124	8	analyses	analysis	NOUN
ajbmeb-3152	124	9	conducted	conduct	VERB
ajbmeb-3152	124	10	show	show	VERB
ajbmeb-3152	124	11	that	that	SCONJ
ajbmeb-3152	124	12	the	the	DET
ajbmeb-3152	124	13	share	share	NOUN
ajbmeb-3152	124	14	of	of	ADP
ajbmeb-3152	124	15	deposits	deposit	NOUN
ajbmeb-3152	124	16	in	in	ADP
ajbmeb-3152	124	17	gdp	gdp	NOUN
ajbmeb-3152	124	18	and	and	CCONJ
ajbmeb-3152	124	19	their	their	PRON
ajbmeb-3152	124	20	impact	impact	NOUN
ajbmeb-3152	124	21	on	on	ADP
ajbmeb-3152	124	22	the	the	DET
ajbmeb-3152	124	23	economy	economy	NOUN
ajbmeb-3152	124	24	are	be	AUX
ajbmeb-3152	124	25	of	of	ADP
ajbmeb-3152	124	26	decisive	decisive	ADJ
ajbmeb-3152	124	27	importance	importance	NOUN
ajbmeb-3152	124	28	in	in	ADP
ajbmeb-3152	124	29	ensuring	ensure	VERB
ajbmeb-3152	124	30	the	the	DET
ajbmeb-3152	124	31	stability	stability	NOUN
ajbmeb-3152	124	32	of	of	ADP
ajbmeb-3152	124	33	the	the	DET
ajbmeb-3152	124	34	banking	banking	NOUN
ajbmeb-3152	124	35	sector	sector	NOUN
ajbmeb-3152	124	36	.	.	PUNCT
ajbmeb-3152	125	1	although	although	SCONJ
ajbmeb-3152	125	2	the	the	DET
ajbmeb-3152	125	3	deposit	deposit	NOUN
ajbmeb-3152	125	4	balance	balance	NOUN
ajbmeb-3152	125	5	showed	show	VERB
ajbmeb-3152	125	6	a	a	DET
ajbmeb-3152	125	7	steady	steady	ADJ
ajbmeb-3152	125	8	growth	growth	NOUN
ajbmeb-3152	125	9	dynamics	dynamic	NOUN
ajbmeb-3152	125	10	during	during	ADP
ajbmeb-3152	125	11	2019	2019	NUM
ajbmeb-3152	125	12	-	-	SYM
ajbmeb-3152	125	13	2024	2024	NUM
ajbmeb-3152	125	14	,	,	PUNCT
ajbmeb-3152	125	15	their	their	PRON
ajbmeb-3152	125	16	share	share	NOUN
ajbmeb-3152	125	17	in	in	ADP
ajbmeb-3152	125	18	gdp	gdp	NOUN
ajbmeb-3152	125	19	is	be	AUX
ajbmeb-3152	125	20	expected	expect	VERB
ajbmeb-3152	125	21	to	to	PART
ajbmeb-3152	125	22	decrease	decrease	VERB
ajbmeb-3152	125	23	in	in	ADP
ajbmeb-3152	125	24	2023	2023	NUM
ajbmeb-3152	125	25	-	-	SYM
ajbmeb-3152	125	26	2024	2024	NUM
ajbmeb-3152	125	27	.	.	PUNCT
ajbmeb-3152	126	1	this	this	PRON
ajbmeb-3152	126	2	indicates	indicate	VERB
ajbmeb-3152	126	3	the	the	DET
ajbmeb-3152	126	4	diversification	diversification	NOUN
ajbmeb-3152	126	5	of	of	ADP
ajbmeb-3152	126	6	capital	capital	NOUN
ajbmeb-3152	126	7	flows	flow	NOUN
ajbmeb-3152	126	8	in	in	ADP
ajbmeb-3152	126	9	the	the	DET
ajbmeb-3152	126	10	economy	economy	NOUN
ajbmeb-3152	126	11	,	,	PUNCT
ajbmeb-3152	126	12	the	the	DET
ajbmeb-3152	126	13	increasing	increase	VERB
ajbmeb-3152	126	14	demand	demand	NOUN
ajbmeb-3152	126	15	for	for	ADP
ajbmeb-3152	126	16	alternative	alternative	ADJ
ajbmeb-3152	126	17	investment	investment	NOUN
ajbmeb-3152	126	18	instruments	instrument	NOUN
ajbmeb-3152	126	19	to	to	PART
ajbmeb-3152	126	20	bank	bank	VERB
ajbmeb-3152	126	21	deposits	deposit	NOUN
ajbmeb-3152	126	22	by	by	ADP
ajbmeb-3152	126	23	financial	financial	ADJ
ajbmeb-3152	126	24	market	market	NOUN
ajbmeb-3152	126	25	participants	participant	NOUN
ajbmeb-3152	126	26	.	.	PUNCT
ajbmeb-3152	127	1	the	the	DET
ajbmeb-3152	127	2	decrease	decrease	NOUN
ajbmeb-3152	127	3	in	in	ADP
ajbmeb-3152	127	4	the	the	DET
ajbmeb-3152	127	5	level	level	NOUN
ajbmeb-3152	127	6	of	of	ADP
ajbmeb-3152	127	7	inflation	inflation	NOUN
ajbmeb-3152	127	8	,	,	PUNCT
ajbmeb-3152	127	9	coupled	couple	VERB
ajbmeb-3152	127	10	with	with	ADP
ajbmeb-3152	127	11	the	the	DET
ajbmeb-3152	127	12	increase	increase	NOUN
ajbmeb-3152	127	13	in	in	ADP
ajbmeb-3152	127	14	interest	interest	NOUN
ajbmeb-3152	127	15	rates	rate	NOUN
ajbmeb-3152	127	16	on	on	ADP
ajbmeb-3152	127	17	term	term	NOUN
ajbmeb-3152	127	18	deposits	deposit	NOUN
ajbmeb-3152	127	19	by	by	ADP
ajbmeb-3152	127	20	banks	bank	NOUN
ajbmeb-3152	127	21	,	,	PUNCT
ajbmeb-3152	127	22	has	have	AUX
ajbmeb-3152	127	23	served	serve	VERB
ajbmeb-3152	127	24	to	to	PART
ajbmeb-3152	127	25	increase	increase	VERB
ajbmeb-3152	127	26	the	the	DET
ajbmeb-3152	127	27	confidence	confidence	NOUN
ajbmeb-3152	127	28	of	of	ADP
ajbmeb-3152	127	29	the	the	DET
ajbmeb-3152	127	30	population	population	NOUN
ajbmeb-3152	127	31	and	and	CCONJ
ajbmeb-3152	127	32	business	business	NOUN
ajbmeb-3152	127	33	entities	entity	NOUN
ajbmeb-3152	127	34	in	in	ADP
ajbmeb-3152	127	35	longterm	longterm	ADJ
ajbmeb-3152	127	36	savings	saving	NOUN
ajbmeb-3152	127	37	instruments	instrument	NOUN
ajbmeb-3152	127	38	.	.	PUNCT
ajbmeb-3152	128	1	at	at	ADP
ajbmeb-3152	128	2	the	the	DET
ajbmeb-3152	128	3	same	same	ADJ
ajbmeb-3152	128	4	time	time	NOUN
ajbmeb-3152	128	5	,	,	PUNCT
ajbmeb-3152	128	6	the	the	DET
ajbmeb-3152	128	7	decrease	decrease	NOUN
ajbmeb-3152	128	8	in	in	ADP
ajbmeb-3152	128	9	the	the	DET
ajbmeb-3152	128	10	level	level	NOUN
ajbmeb-3152	128	11	of	of	ADP
ajbmeb-3152	128	12	participation	participation	NOUN
ajbmeb-3152	128	13	of	of	ADP
ajbmeb-3152	128	14	deposits	deposit	NOUN
ajbmeb-3152	128	15	in	in	ADP
ajbmeb-3152	128	16	general	general	ADJ
ajbmeb-3152	128	17	economic	economic	ADJ
ajbmeb-3152	128	18	processes	process	NOUN
ajbmeb-3152	128	19	indicates	indicate	VERB
ajbmeb-3152	128	20	the	the	DET
ajbmeb-3152	128	21	need	need	NOUN
ajbmeb-3152	128	22	to	to	PART
ajbmeb-3152	128	23	develop	develop	VERB
ajbmeb-3152	128	24	new	new	ADJ
ajbmeb-3152	128	25	approaches	approach	NOUN
ajbmeb-3152	128	26	to	to	PART
ajbmeb-3152	128	27	ensure	ensure	VERB
ajbmeb-3152	128	28	the	the	DET
ajbmeb-3152	128	29	efficiency	efficiency	NOUN
ajbmeb-3152	128	30	of	of	ADP
ajbmeb-3152	128	31	the	the	DET
ajbmeb-3152	128	32	allocation	allocation	NOUN
ajbmeb-3152	128	33	of	of	ADP
ajbmeb-3152	128	34	financial	financial	ADJ
ajbmeb-3152	128	35	resources	resource	NOUN
ajbmeb-3152	128	36	in	in	ADP
ajbmeb-3152	128	37	the	the	DET
ajbmeb-3152	128	38	banking	banking	NOUN
ajbmeb-3152	128	39	system	system	NOUN
ajbmeb-3152	128	40	.	.	PUNCT
ajbmeb-3152	129	1	based	base	VERB
ajbmeb-3152	129	2	on	on	ADP
ajbmeb-3152	129	3	these	these	DET
ajbmeb-3152	129	4	analyses	analysis	NOUN
ajbmeb-3152	129	5	,	,	PUNCT
ajbmeb-3152	129	6	the	the	DET
ajbmeb-3152	129	7	deposit	deposit	NOUN
ajbmeb-3152	129	8	policy	policy	NOUN
ajbmeb-3152	129	9	requires	require	VERB
ajbmeb-3152	129	10	a	a	DET
ajbmeb-3152	129	11	strategic	strategic	ADJ
ajbmeb-3152	129	12	review	review	NOUN
ajbmeb-3152	129	13	of	of	ADP
ajbmeb-3152	129	14	the	the	DET
ajbmeb-3152	129	15	macroeconomic	macroeconomic	ADJ
ajbmeb-3152	129	16	environment	environment	NOUN
ajbmeb-3152	129	17	and	and	CCONJ
ajbmeb-3152	129	18	the	the	DET
ajbmeb-3152	129	19	relationship	relationship	NOUN
ajbmeb-3152	129	20	between	between	ADP
ajbmeb-3152	129	21	banks	bank	NOUN
ajbmeb-3152	129	22	.	.	PUNCT
ajbmeb-3152	130	1	in	in	ADP
ajbmeb-3152	130	2	particular	particular	ADJ
ajbmeb-3152	130	3	,	,	PUNCT
ajbmeb-3152	130	4	in	in	ADP
ajbmeb-3152	130	5	order	order	NOUN
ajbmeb-3152	130	6	to	to	PART
ajbmeb-3152	130	7	ensure	ensure	VERB
ajbmeb-3152	130	8	liquidity	liquidity	NOUN
ajbmeb-3152	130	9	stability	stability	NOUN
ajbmeb-3152	130	10	of	of	ADP
ajbmeb-3152	130	11	the	the	DET
ajbmeb-3152	130	12	banking	banking	NOUN
ajbmeb-3152	130	13	system	system	NOUN
ajbmeb-3152	130	14	,	,	PUNCT
ajbmeb-3152	130	15	optimizing	optimize	VERB
ajbmeb-3152	130	16	the	the	DET
ajbmeb-3152	130	17	term	term	NOUN
ajbmeb-3152	130	18	structure	structure	NOUN
ajbmeb-3152	130	19	of	of	ADP
ajbmeb-3152	130	20	deposits	deposit	NOUN
ajbmeb-3152	130	21	,	,	PUNCT
ajbmeb-3152	130	22	adapting	adapt	VERB
ajbmeb-3152	130	23	interest	interest	NOUN
ajbmeb-3152	130	24	policy	policy	NOUN
ajbmeb-3152	130	25	to	to	ADP
ajbmeb-3152	130	26	market	market	NOUN
ajbmeb-3152	130	27	needs	need	NOUN
ajbmeb-3152	130	28	,	,	PUNCT
ajbmeb-3152	130	29	american	american	ADJ
ajbmeb-3152	130	30	journal	journal	PROPN
ajbmeb-3152	130	31	of	of	ADP
ajbmeb-3152	130	32	business	business	NOUN
ajbmeb-3152	130	33	management	management	NOUN
ajbmeb-3152	130	34	,	,	PUNCT
ajbmeb-3152	130	35	economics	economic	NOUN
ajbmeb-3152	130	36	and	and	CCONJ
ajbmeb-3152	130	37	banking	banking	NOUN
ajbmeb-3152	130	38	volume	volume	NOUN
ajbmeb-3152	130	39	41	41	NUM
ajbmeb-3152	131	1	october2025	october2025	PROPN
ajbmeb-3152	131	2	p	p	NOUN
ajbmeb-3152	131	3	a	a	DET
ajbmeb-3152	131	4	g	g	NOUN
ajbmeb-3152	131	5	e	e	PROPN
ajbmeb-3152	131	6	|	|	ADV
ajbmeb-3152	131	7	116	116	NUM
ajbmeb-3152	131	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	131	9	and	and	CCONJ
ajbmeb-3152	131	10	increasing	increase	VERB
ajbmeb-3152	131	11	the	the	DET
ajbmeb-3152	131	12	diversification	diversification	NOUN
ajbmeb-3152	131	13	of	of	ADP
ajbmeb-3152	131	14	deposits	deposit	NOUN
ajbmeb-3152	131	15	for	for	ADP
ajbmeb-3152	131	16	bank	bank	NOUN
ajbmeb-3152	131	17	clients	client	NOUN
ajbmeb-3152	131	18	should	should	AUX
ajbmeb-3152	131	19	be	be	AUX
ajbmeb-3152	131	20	considered	consider	VERB
ajbmeb-3152	131	21	as	as	ADP
ajbmeb-3152	131	22	one	one	NUM
ajbmeb-3152	131	23	of	of	ADP
ajbmeb-3152	131	24	the	the	DET
ajbmeb-3152	131	25	urgent	urgent	ADJ
ajbmeb-3152	131	26	tasks	task	NOUN
ajbmeb-3152	131	27	.	.	PUNCT
ajbmeb-3152	132	1	it	it	PRON
ajbmeb-3152	132	2	is	be	AUX
ajbmeb-3152	132	3	also	also	ADV
ajbmeb-3152	132	4	required	require	VERB
ajbmeb-3152	132	5	to	to	PART
ajbmeb-3152	132	6	form	form	VERB
ajbmeb-3152	132	7	a	a	DET
ajbmeb-3152	132	8	stable	stable	ADJ
ajbmeb-3152	132	9	source	source	NOUN
ajbmeb-3152	132	10	of	of	ADP
ajbmeb-3152	132	11	financing	financing	NOUN
ajbmeb-3152	132	12	for	for	ADP
ajbmeb-3152	132	13	the	the	DET
ajbmeb-3152	132	14	real	real	ADJ
ajbmeb-3152	132	15	sector	sector	NOUN
ajbmeb-3152	132	16	of	of	ADP
ajbmeb-3152	132	17	the	the	DET
ajbmeb-3152	132	18	economy	economy	NOUN
ajbmeb-3152	132	19	by	by	ADP
ajbmeb-3152	132	20	ensuring	ensure	VERB
ajbmeb-3152	132	21	the	the	DET
ajbmeb-3152	132	22	integration	integration	NOUN
ajbmeb-3152	132	23	of	of	ADP
ajbmeb-3152	132	24	deposits	deposit	NOUN
ajbmeb-3152	132	25	into	into	ADP
ajbmeb-3152	132	26	investment	investment	NOUN
ajbmeb-3152	132	27	activities	activity	NOUN
ajbmeb-3152	132	28	.	.	PUNCT
ajbmeb-3152	133	1	this	this	PRON
ajbmeb-3152	133	2	creates	create	VERB
ajbmeb-3152	133	3	an	an	DET
ajbmeb-3152	133	4	opportunity	opportunity	NOUN
ajbmeb-3152	133	5	to	to	PART
ajbmeb-3152	133	6	effectively	effectively	ADV
ajbmeb-3152	133	7	use	use	VERB
ajbmeb-3152	133	8	deposit	deposit	NOUN
ajbmeb-3152	133	9	resources	resource	NOUN
ajbmeb-3152	133	10	to	to	PART
ajbmeb-3152	133	11	ensure	ensure	VERB
ajbmeb-3152	133	12	long	long	ADJ
ajbmeb-3152	133	13	-	-	PUNCT
ajbmeb-3152	133	14	term	term	NOUN
ajbmeb-3152	133	15	economic	economic	ADJ
ajbmeb-3152	133	16	growth	growth	NOUN
ajbmeb-3152	133	17	.	.	PUNCT
ajbmeb-3152	134	1	based	base	VERB
ajbmeb-3152	134	2	on	on	ADP
ajbmeb-3152	134	3	the	the	DET
ajbmeb-3152	134	4	results	result	NOUN
ajbmeb-3152	134	5	of	of	ADP
ajbmeb-3152	134	6	the	the	DET
ajbmeb-3152	134	7	research	research	NOUN
ajbmeb-3152	134	8	,	,	PUNCT
ajbmeb-3152	134	9	we	we	PRON
ajbmeb-3152	134	10	consider	consider	VERB
ajbmeb-3152	134	11	it	it	PRON
ajbmeb-3152	134	12	appropriate	appropriate	ADJ
ajbmeb-3152	134	13	to	to	PART
ajbmeb-3152	134	14	implement	implement	VERB
ajbmeb-3152	134	15	the	the	DET
ajbmeb-3152	134	16	following	follow	VERB
ajbmeb-3152	134	17	measures	measure	NOUN
ajbmeb-3152	134	18	in	in	ADP
ajbmeb-3152	134	19	order	order	NOUN
ajbmeb-3152	134	20	to	to	PART
ajbmeb-3152	134	21	increase	increase	VERB
ajbmeb-3152	134	22	the	the	DET
ajbmeb-3152	134	23	effectiveness	effectiveness	NOUN
ajbmeb-3152	134	24	of	of	ADP
ajbmeb-3152	134	25	deposit	deposit	NOUN
ajbmeb-3152	134	26	policy	policy	NOUN
ajbmeb-3152	134	27	in	in	ADP
ajbmeb-3152	134	28	the	the	DET
ajbmeb-3152	134	29	banking	banking	NOUN
ajbmeb-3152	134	30	practice	practice	NOUN
ajbmeb-3152	134	31	of	of	ADP
ajbmeb-3152	134	32	our	our	PRON
ajbmeb-3152	134	33	country	country	NOUN
ajbmeb-3152	134	34	:	:	PUNCT
ajbmeb-3152	134	35	1	1	X
ajbmeb-3152	134	36	.	.	X
ajbmeb-3152	134	37	strengthen	strengthen	VERB
ajbmeb-3152	134	38	the	the	DET
ajbmeb-3152	134	39	diversification	diversification	NOUN
ajbmeb-3152	134	40	of	of	ADP
ajbmeb-3152	134	41	deposits	deposit	NOUN
ajbmeb-3152	134	42	and	and	CCONJ
ajbmeb-3152	134	43	introduce	introduce	VERB
ajbmeb-3152	134	44	products	product	NOUN
ajbmeb-3152	134	45	tailored	tailor	VERB
ajbmeb-3152	134	46	to	to	ADP
ajbmeb-3152	134	47	customers	customer	NOUN
ajbmeb-3152	134	48	.	.	PUNCT
ajbmeb-3152	135	1	in	in	ADP
ajbmeb-3152	135	2	order	order	NOUN
ajbmeb-3152	135	3	to	to	PART
ajbmeb-3152	135	4	strengthen	strengthen	VERB
ajbmeb-3152	135	5	the	the	DET
ajbmeb-3152	135	6	deposit	deposit	NOUN
ajbmeb-3152	135	7	base	base	NOUN
ajbmeb-3152	135	8	,	,	PUNCT
ajbmeb-3152	135	9	banks	bank	NOUN
ajbmeb-3152	135	10	should	should	AUX
ajbmeb-3152	135	11	introduce	introduce	VERB
ajbmeb-3152	135	12	new	new	ADJ
ajbmeb-3152	135	13	products	product	NOUN
ajbmeb-3152	135	14	such	such	ADJ
ajbmeb-3152	135	15	as	as	ADP
ajbmeb-3152	135	16	digital	digital	ADJ
ajbmeb-3152	135	17	deposits	deposit	NOUN
ajbmeb-3152	135	18	,	,	PUNCT
ajbmeb-3152	135	19	dynamic	dynamic	ADJ
ajbmeb-3152	135	20	interest	interest	NOUN
ajbmeb-3152	135	21	deposits	deposit	NOUN
ajbmeb-3152	135	22	and	and	CCONJ
ajbmeb-3152	135	23	investment	investment	NOUN
ajbmeb-3152	135	24	deposits	deposit	NOUN
ajbmeb-3152	135	25	,	,	PUNCT
ajbmeb-3152	135	26	taking	take	VERB
ajbmeb-3152	135	27	into	into	ADP
ajbmeb-3152	135	28	account	account	NOUN
ajbmeb-3152	135	29	the	the	DET
ajbmeb-3152	135	30	financial	financial	ADJ
ajbmeb-3152	135	31	requirements	requirement	NOUN
ajbmeb-3152	135	32	of	of	ADP
ajbmeb-3152	135	33	the	the	DET
ajbmeb-3152	135	34	population	population	NOUN
ajbmeb-3152	135	35	and	and	CCONJ
ajbmeb-3152	135	36	business	business	NOUN
ajbmeb-3152	135	37	entities	entity	NOUN
ajbmeb-3152	135	38	.	.	PUNCT
ajbmeb-3152	136	1	in	in	ADP
ajbmeb-3152	136	2	this	this	DET
ajbmeb-3152	136	3	regard	regard	NOUN
ajbmeb-3152	136	4	,	,	PUNCT
ajbmeb-3152	136	5	studying	study	VERB
ajbmeb-3152	136	6	the	the	DET
ajbmeb-3152	136	7	financial	financial	ADJ
ajbmeb-3152	136	8	behavior	behavior	NOUN
ajbmeb-3152	136	9	of	of	ADP
ajbmeb-3152	136	10	customers	customer	NOUN
ajbmeb-3152	136	11	through	through	ADP
ajbmeb-3152	136	12	artificial	artificial	ADJ
ajbmeb-3152	136	13	intelligence	intelligence	NOUN
ajbmeb-3152	136	14	and	and	CCONJ
ajbmeb-3152	136	15	big	big	ADJ
ajbmeb-3152	136	16	data	datum	NOUN
ajbmeb-3152	136	17	analysis	analysis	NOUN
ajbmeb-3152	136	18	and	and	CCONJ
ajbmeb-3152	136	19	implementing	implement	VERB
ajbmeb-3152	136	20	personalized	personalized	ADJ
ajbmeb-3152	136	21	deposit	deposit	NOUN
ajbmeb-3152	136	22	strategies	strategy	NOUN
ajbmeb-3152	136	23	is	be	AUX
ajbmeb-3152	136	24	of	of	ADP
ajbmeb-3152	136	25	great	great	ADJ
ajbmeb-3152	136	26	importance	importance	NOUN
ajbmeb-3152	136	27	.	.	PUNCT
ajbmeb-3152	137	1	2	2	X
ajbmeb-3152	137	2	.	.	X
ajbmeb-3152	137	3	increase	increase	VERB
ajbmeb-3152	137	4	the	the	DET
ajbmeb-3152	137	5	share	share	NOUN
ajbmeb-3152	137	6	of	of	ADP
ajbmeb-3152	137	7	term	term	NOUN
ajbmeb-3152	137	8	deposits	deposit	NOUN
ajbmeb-3152	137	9	and	and	CCONJ
ajbmeb-3152	137	10	stabilize	stabilize	VERB
ajbmeb-3152	137	11	bank	bank	NOUN
ajbmeb-3152	137	12	liquidity	liquidity	NOUN
ajbmeb-3152	137	13	.	.	PUNCT
ajbmeb-3152	138	1	in	in	ADP
ajbmeb-3152	138	2	order	order	NOUN
ajbmeb-3152	138	3	to	to	PART
ajbmeb-3152	138	4	increase	increase	VERB
ajbmeb-3152	138	5	the	the	DET
ajbmeb-3152	138	6	attractiveness	attractiveness	NOUN
ajbmeb-3152	138	7	of	of	ADP
ajbmeb-3152	138	8	deposits	deposit	NOUN
ajbmeb-3152	138	9	in	in	ADP
ajbmeb-3152	138	10	the	the	DET
ajbmeb-3152	138	11	long	long	ADJ
ajbmeb-3152	138	12	-	-	PUNCT
ajbmeb-3152	138	13	term	term	NOUN
ajbmeb-3152	138	14	segment	segment	NOUN
ajbmeb-3152	138	15	,	,	PUNCT
ajbmeb-3152	138	16	it	it	PRON
ajbmeb-3152	138	17	is	be	AUX
ajbmeb-3152	138	18	necessary	necessary	ADJ
ajbmeb-3152	138	19	to	to	PART
ajbmeb-3152	138	20	develop	develop	VERB
ajbmeb-3152	138	21	hybrid	hybrid	ADJ
ajbmeb-3152	138	22	deposits	deposit	NOUN
ajbmeb-3152	138	23	,	,	PUNCT
ajbmeb-3152	138	24	deposits	deposit	NOUN
ajbmeb-3152	138	25	with	with	ADP
ajbmeb-3152	138	26	a	a	DET
ajbmeb-3152	138	27	capitalization	capitalization	NOUN
ajbmeb-3152	138	28	mechanism	mechanism	NOUN
ajbmeb-3152	138	29	and	and	CCONJ
ajbmeb-3152	138	30	interest	interest	NOUN
ajbmeb-3152	138	31	-	-	PUNCT
ajbmeb-3152	138	32	based	base	VERB
ajbmeb-3152	138	33	deposits	deposit	NOUN
ajbmeb-3152	138	34	linked	link	VERB
ajbmeb-3152	138	35	to	to	ADP
ajbmeb-3152	138	36	inflation	inflation	NOUN
ajbmeb-3152	138	37	.	.	PUNCT
ajbmeb-3152	139	1	this	this	PRON
ajbmeb-3152	139	2	will	will	AUX
ajbmeb-3152	139	3	not	not	PART
ajbmeb-3152	139	4	only	only	ADV
ajbmeb-3152	139	5	reduce	reduce	VERB
ajbmeb-3152	139	6	the	the	DET
ajbmeb-3152	139	7	liquidity	liquidity	NOUN
ajbmeb-3152	139	8	risks	risk	NOUN
ajbmeb-3152	139	9	of	of	ADP
ajbmeb-3152	139	10	banks	bank	NOUN
ajbmeb-3152	139	11	,	,	PUNCT
ajbmeb-3152	139	12	but	but	CCONJ
ajbmeb-3152	139	13	also	also	ADV
ajbmeb-3152	139	14	preserve	preserve	VERB
ajbmeb-3152	139	15	the	the	DET
ajbmeb-3152	139	16	passive	passive	ADJ
ajbmeb-3152	139	17	income	income	NOUN
ajbmeb-3152	139	18	of	of	ADP
ajbmeb-3152	139	19	customers	customer	NOUN
ajbmeb-3152	139	20	.	.	PUNCT
ajbmeb-3152	140	1	3	3	X
ajbmeb-3152	140	2	.	.	X
ajbmeb-3152	140	3	maintaining	maintain	VERB
ajbmeb-3152	140	4	a	a	DET
ajbmeb-3152	140	5	balance	balance	NOUN
ajbmeb-3152	140	6	in	in	ADP
ajbmeb-3152	140	7	the	the	DET
ajbmeb-3152	140	8	bank	bank	NOUN
ajbmeb-3152	140	9	's	's	PART
ajbmeb-3152	140	10	interest	interest	NOUN
ajbmeb-3152	140	11	rate	rate	NOUN
ajbmeb-3152	140	12	policy	policy	NOUN
ajbmeb-3152	140	13	and	and	CCONJ
ajbmeb-3152	140	14	increasing	increase	VERB
ajbmeb-3152	140	15	lending	lending	NOUN
ajbmeb-3152	140	16	opportunities	opportunity	NOUN
ajbmeb-3152	140	17	in	in	ADP
ajbmeb-3152	140	18	the	the	DET
ajbmeb-3152	140	19	economy	economy	NOUN
ajbmeb-3152	140	20	.	.	PUNCT
ajbmeb-3152	141	1	the	the	DET
ajbmeb-3152	141	2	imbalance	imbalance	NOUN
ajbmeb-3152	141	3	in	in	ADP
ajbmeb-3152	141	4	interest	interest	NOUN
ajbmeb-3152	141	5	rates	rate	NOUN
ajbmeb-3152	141	6	can	can	AUX
ajbmeb-3152	141	7	increase	increase	VERB
ajbmeb-3152	141	8	bank	bank	NOUN
ajbmeb-3152	141	9	financing	financing	NOUN
ajbmeb-3152	141	10	costs	cost	NOUN
ajbmeb-3152	141	11	and	and	CCONJ
ajbmeb-3152	141	12	lead	lead	VERB
ajbmeb-3152	141	13	to	to	ADP
ajbmeb-3152	141	14	an	an	DET
ajbmeb-3152	141	15	increase	increase	NOUN
ajbmeb-3152	141	16	in	in	ADP
ajbmeb-3152	141	17	lending	lending	NOUN
ajbmeb-3152	141	18	rates	rate	NOUN
ajbmeb-3152	141	19	.	.	PUNCT
ajbmeb-3152	142	1	banks	bank	NOUN
ajbmeb-3152	142	2	should	should	AUX
ajbmeb-3152	142	3	improve	improve	VERB
ajbmeb-3152	142	4	the	the	DET
ajbmeb-3152	142	5	interest	interest	NOUN
ajbmeb-3152	142	6	rate	rate	NOUN
ajbmeb-3152	142	7	differentiation	differentiation	NOUN
ajbmeb-3152	142	8	model	model	NOUN
ajbmeb-3152	142	9	and	and	CCONJ
ajbmeb-3152	142	10	form	form	VERB
ajbmeb-3152	142	11	a	a	DET
ajbmeb-3152	142	12	strategy	strategy	NOUN
ajbmeb-3152	142	13	for	for	ADP
ajbmeb-3152	142	14	rational	rational	ADJ
ajbmeb-3152	142	15	use	use	NOUN
ajbmeb-3152	142	16	of	of	ADP
ajbmeb-3152	142	17	credit	credit	NOUN
ajbmeb-3152	142	18	resources	resource	NOUN
ajbmeb-3152	142	19	to	to	PART
ajbmeb-3152	142	20	ensure	ensure	VERB
ajbmeb-3152	142	21	an	an	DET
ajbmeb-3152	142	22	effective	effective	ADJ
ajbmeb-3152	142	23	balance	balance	NOUN
ajbmeb-3152	142	24	between	between	ADP
ajbmeb-3152	142	25	deposit	deposit	NOUN
ajbmeb-3152	142	26	and	and	CCONJ
ajbmeb-3152	142	27	lending	lending	NOUN
ajbmeb-3152	142	28	rates	rate	NOUN
ajbmeb-3152	142	29	.	.	PUNCT
ajbmeb-3152	143	1	4	4	X
ajbmeb-3152	143	2	.	.	X
ajbmeb-3152	143	3	forming	form	VERB
ajbmeb-3152	143	4	an	an	DET
ajbmeb-3152	143	5	adaptive	adaptive	ADJ
ajbmeb-3152	143	6	approach	approach	NOUN
ajbmeb-3152	143	7	to	to	ADP
ajbmeb-3152	143	8	deposits	deposit	NOUN
ajbmeb-3152	143	9	in	in	ADP
ajbmeb-3152	143	10	the	the	DET
ajbmeb-3152	143	11	central	central	ADJ
ajbmeb-3152	143	12	bank	bank	NOUN
ajbmeb-3152	143	13	's	's	PART
ajbmeb-3152	143	14	policy	policy	NOUN
ajbmeb-3152	143	15	.	.	PUNCT
ajbmeb-3152	144	1	it	it	PRON
ajbmeb-3152	144	2	is	be	AUX
ajbmeb-3152	144	3	possible	possible	ADJ
ajbmeb-3152	144	4	to	to	PART
ajbmeb-3152	144	5	increase	increase	VERB
ajbmeb-3152	144	6	bank	bank	NOUN
ajbmeb-3152	144	7	liquidity	liquidity	NOUN
ajbmeb-3152	144	8	by	by	ADP
ajbmeb-3152	144	9	adjusting	adjust	VERB
ajbmeb-3152	144	10	the	the	DET
ajbmeb-3152	144	11	central	central	ADJ
ajbmeb-3152	144	12	bank	bank	NOUN
ajbmeb-3152	144	13	's	's	PART
ajbmeb-3152	144	14	reserve	reserve	NOUN
ajbmeb-3152	144	15	requirements	requirement	NOUN
ajbmeb-3152	144	16	to	to	PART
ajbmeb-3152	144	17	market	market	VERB
ajbmeb-3152	144	18	financial	financial	ADJ
ajbmeb-3152	144	19	conditions	condition	NOUN
ajbmeb-3152	144	20	.	.	PUNCT
ajbmeb-3152	145	1	it	it	PRON
ajbmeb-3152	145	2	is	be	AUX
ajbmeb-3152	145	3	important	important	ADJ
ajbmeb-3152	145	4	to	to	PART
ajbmeb-3152	145	5	develop	develop	VERB
ajbmeb-3152	145	6	monetary	monetary	ADJ
ajbmeb-3152	145	7	policy	policy	NOUN
ajbmeb-3152	145	8	measures	measure	NOUN
ajbmeb-3152	145	9	aimed	aim	VERB
ajbmeb-3152	145	10	at	at	ADP
ajbmeb-3152	145	11	inter	inter	ADJ
ajbmeb-3152	145	12	-	-	ADJ
ajbmeb-3152	145	13	sectoral	sectoral	ADJ
ajbmeb-3152	145	14	regulation	regulation	NOUN
ajbmeb-3152	145	15	of	of	ADP
ajbmeb-3152	145	16	reserve	reserve	NOUN
ajbmeb-3152	145	17	requirements	requirement	NOUN
ajbmeb-3152	145	18	and	and	CCONJ
ajbmeb-3152	145	19	ensuring	ensure	VERB
ajbmeb-3152	145	20	the	the	DET
ajbmeb-3152	145	21	stability	stability	NOUN
ajbmeb-3152	145	22	of	of	ADP
ajbmeb-3152	145	23	the	the	DET
ajbmeb-3152	145	24	bank	bank	NOUN
ajbmeb-3152	145	25	's	's	PART
ajbmeb-3152	145	26	deposit	deposit	NOUN
ajbmeb-3152	145	27	base	base	NOUN
ajbmeb-3152	145	28	.	.	PUNCT
ajbmeb-3152	146	1	5	5	X
ajbmeb-3152	146	2	.	.	X
ajbmeb-3152	146	3	increasing	increase	VERB
ajbmeb-3152	146	4	the	the	DET
ajbmeb-3152	146	5	opportunities	opportunity	NOUN
ajbmeb-3152	146	6	for	for	ADP
ajbmeb-3152	146	7	direct	direct	ADJ
ajbmeb-3152	146	8	financing	financing	NOUN
ajbmeb-3152	146	9	of	of	ADP
ajbmeb-3152	146	10	the	the	DET
ajbmeb-3152	146	11	economy	economy	NOUN
ajbmeb-3152	146	12	from	from	ADP
ajbmeb-3152	146	13	deposits	deposit	NOUN
ajbmeb-3152	146	14	.	.	PUNCT
ajbmeb-3152	147	1	it	it	PRON
ajbmeb-3152	147	2	is	be	AUX
ajbmeb-3152	147	3	necessary	necessary	ADJ
ajbmeb-3152	147	4	to	to	PART
ajbmeb-3152	147	5	form	form	VERB
ajbmeb-3152	147	6	investment	investment	NOUN
ajbmeb-3152	147	7	mechanisms	mechanism	NOUN
ajbmeb-3152	147	8	aimed	aim	VERB
ajbmeb-3152	147	9	at	at	ADP
ajbmeb-3152	147	10	financing	finance	VERB
ajbmeb-3152	147	11	the	the	DET
ajbmeb-3152	147	12	real	real	ADJ
ajbmeb-3152	147	13	sector	sector	NOUN
ajbmeb-3152	147	14	directly	directly	ADV
ajbmeb-3152	147	15	from	from	ADP
ajbmeb-3152	147	16	deposits	deposit	NOUN
ajbmeb-3152	147	17	.	.	PUNCT
ajbmeb-3152	148	1	banks	bank	NOUN
ajbmeb-3152	148	2	can	can	AUX
ajbmeb-3152	148	3	ensure	ensure	VERB
ajbmeb-3152	148	4	capital	capital	NOUN
ajbmeb-3152	148	5	inflows	inflow	NOUN
ajbmeb-3152	148	6	into	into	ADP
ajbmeb-3152	148	7	various	various	ADJ
ajbmeb-3152	148	8	sectors	sector	NOUN
ajbmeb-3152	148	9	of	of	ADP
ajbmeb-3152	148	10	the	the	DET
ajbmeb-3152	148	11	economy	economy	NOUN
ajbmeb-3152	148	12	by	by	ADP
ajbmeb-3152	148	13	linking	link	VERB
ajbmeb-3152	148	14	deposits	deposit	NOUN
ajbmeb-3152	148	15	with	with	ADP
ajbmeb-3152	148	16	innovative	innovative	ADJ
ajbmeb-3152	148	17	financial	financial	ADJ
ajbmeb-3152	148	18	instruments	instrument	NOUN
ajbmeb-3152	148	19	,	,	PUNCT
ajbmeb-3152	148	20	such	such	ADJ
ajbmeb-3152	148	21	as	as	ADP
ajbmeb-3152	148	22	"	"	PUNCT
ajbmeb-3152	148	23	deposit	deposit	NOUN
ajbmeb-3152	148	24	-	-	PUNCT
ajbmeb-3152	148	25	investment	investment	NOUN
ajbmeb-3152	148	26	bonds	bond	NOUN
ajbmeb-3152	148	27	.	.	PUNCT
ajbmeb-3152	148	28	"	"	PUNCT
ajbmeb-3152	149	1	this	this	DET
ajbmeb-3152	149	2	approach	approach	NOUN
ajbmeb-3152	149	3	helps	help	VERB
ajbmeb-3152	149	4	increase	increase	VERB
ajbmeb-3152	149	5	the	the	DET
ajbmeb-3152	149	6	active	active	ADJ
ajbmeb-3152	149	7	participation	participation	NOUN
ajbmeb-3152	149	8	of	of	ADP
ajbmeb-3152	149	9	the	the	DET
ajbmeb-3152	149	10	banking	banking	NOUN
ajbmeb-3152	149	11	system	system	NOUN
ajbmeb-3152	149	12	and	and	CCONJ
ajbmeb-3152	149	13	form	form	VERB
ajbmeb-3152	149	14	long	long	ADJ
ajbmeb-3152	149	15	-	-	PUNCT
ajbmeb-3152	149	16	term	term	NOUN
ajbmeb-3152	149	17	investment	investment	NOUN
ajbmeb-3152	149	18	resources	resource	NOUN
ajbmeb-3152	149	19	.	.	PUNCT
ajbmeb-3152	150	1	references	reference	NOUN
ajbmeb-3152	150	2	1	1	NUM
ajbmeb-3152	150	3	.	.	PUNCT
ajbmeb-3152	151	1	bankovskoe	bankovskoe	ADJ
ajbmeb-3152	151	2	delo	delo	PROPN
ajbmeb-3152	151	3	:	:	PUNCT
ajbmeb-3152	151	4	uchebnik	uchebnik	PROPN
ajbmeb-3152	151	5	/	/	SYM
ajbmeb-3152	151	6	pod	pod	PROPN
ajbmeb-3152	151	7	ed	ed	NOUN
ajbmeb-3152	151	8	.	.	PUNCT
ajbmeb-3152	152	1	d.	d.	PROPN
ajbmeb-3152	152	2	e.	e.	PROPN
ajbmeb-3152	152	3	n.	n.	PROPN
ajbmeb-3152	152	4	,	,	PUNCT
ajbmeb-3152	152	5	prof	prof	PROPN
ajbmeb-3152	152	6	.	.	PUNCT
ajbmeb-3152	153	1	g.g	g.g	PROPN
ajbmeb-3152	153	2	.	.	PROPN
ajbmeb-3152	153	3	korobovoy	korobovoy	PROPN
ajbmeb-3152	153	4	.	.	PUNCT
ajbmeb-3152	154	1	2	2	NUM
ajbmeb-3152	154	2	-	-	SYM
ajbmeb-3152	154	3	e	e	NOUN
ajbmeb-3152	154	4	izd	izd	PROPN
ajbmeb-3152	154	5	.	.	PROPN
ajbmeb-3152	154	6	,	,	PUNCT
ajbmeb-3152	154	7	pererab	pererab	NOUN
ajbmeb-3152	154	8	.	.	PUNCT
ajbmeb-3152	155	1	i	i	PRON
ajbmeb-3152	155	2	dop	dop	VERB
ajbmeb-3152	155	3	.	.	PUNCT
ajbmeb-3152	156	1	m.	m.	NOUN
ajbmeb-3152	156	2	:	:	PUNCT
ajbmeb-3152	156	3	master	master	NOUN
ajbmeb-3152	156	4	,	,	PUNCT
ajbmeb-3152	156	5	infra	infra	NOUN
ajbmeb-3152	156	6	-	-	PUNCT
ajbmeb-3152	156	7	m	m	NOUN
ajbmeb-3152	156	8	,	,	PUNCT
ajbmeb-3152	156	9	2012	2012	NUM
ajbmeb-3152	156	10	.	.	PUNCT
ajbmeb-3152	157	1	2	2	NUM
ajbmeb-3152	157	2	.	.	X
ajbmeb-3152	157	3	tertychna	tertychna	PROPN
ajbmeb-3152	157	4	,	,	PUNCT
ajbmeb-3152	157	5	nv	nv	PROPN
ajbmeb-3152	157	6	"	"	PUNCT
ajbmeb-3152	157	7	improvement	improvement	NOUN
ajbmeb-3152	157	8	of	of	ADP
ajbmeb-3152	157	9	the	the	DET
ajbmeb-3152	157	10	mechanism	mechanism	NOUN
ajbmeb-3152	157	11	of	of	ADP
ajbmeb-3152	157	12	formation	formation	NOUN
ajbmeb-3152	157	13	of	of	ADP
ajbmeb-3152	157	14	deposit	deposit	NOUN
ajbmeb-3152	157	15	policy	policy	NOUN
ajbmeb-3152	157	16	of	of	ADP
ajbmeb-3152	157	17	commercial	commercial	ADJ
ajbmeb-3152	157	18	banks	bank	NOUN
ajbmeb-3152	157	19	of	of	ADP
ajbmeb-3152	157	20	ukraine	ukraine	NOUN
ajbmeb-3152	157	21	"	"	PUNCT
ajbmeb-3152	157	22	,	,	PUNCT
ajbmeb-3152	157	23	available	available	ADJ
ajbmeb-3152	157	24	at	at	ADP
ajbmeb-3152	157	25	:	:	PUNCT
ajbmeb-3152	157	26	http://archive.nbuv.gov.ua	http://archive.nbuv.gov.ua	PROPN
ajbmeb-3152	157	27	(	(	PUNCT
ajbmeb-3152	157	28	accessed	access	VERB
ajbmeb-3152	157	29	24	24	NUM
ajbmeb-3152	157	30	december	december	PROPN
ajbmeb-3152	157	31	2017	2017	NUM
ajbmeb-3152	157	32	)	)	PUNCT
ajbmeb-3152	157	33	.	.	PUNCT
ajbmeb-3152	158	1	3	3	X
ajbmeb-3152	158	2	.	.	X
ajbmeb-3152	158	3	hrabar	hrabar	PROPN
ajbmeb-3152	158	4	,	,	PUNCT
ajbmeb-3152	158	5	zh	zh	PROPN
ajbmeb-3152	158	6	.	.	PUNCT
ajbmeb-3152	159	1	v.	v.	PROPN
ajbmeb-3152	159	2	and	and	CCONJ
ajbmeb-3152	159	3	maliasova	maliasova	PROPN
ajbmeb-3152	159	4	,	,	PUNCT
ajbmeb-3152	159	5	iv	iv	X
ajbmeb-3152	159	6	"	"	PUNCT
ajbmeb-3152	159	7	features	feature	NOUN
ajbmeb-3152	159	8	of	of	ADP
ajbmeb-3152	159	9	forming	form	VERB
ajbmeb-3152	159	10	a	a	DET
ajbmeb-3152	159	11	deposit	deposit	NOUN
ajbmeb-3152	159	12	portfolio	portfolio	NOUN
ajbmeb-3152	159	13	of	of	ADP
ajbmeb-3152	159	14	banking	banking	NOUN
ajbmeb-3152	159	15	institutions	institution	NOUN
ajbmeb-3152	159	16	"	"	PUNCT
ajbmeb-3152	159	17	,	,	PUNCT
ajbmeb-3152	159	18	naukovyi	naukovyi	VERB
ajbmeb-3152	159	19	ohliad	ohliad	NOUN
ajbmeb-3152	159	20	.	.	PUNCT
ajbmeb-3152	160	1	10	10	NUM
ajbmeb-3152	160	2	.	.	X
ajbmeb-3152	161	1	kovalenko	kovalenko	PROPN
ajbmeb-3152	161	2	,	,	PUNCT
ajbmeb-3152	161	3	m.	m.	NOUN
ajbmeb-3152	161	4	o.	o.	PROPN
ajbmeb-3152	161	5	(	(	PUNCT
ajbmeb-3152	161	6	2017	2017	NUM
ajbmeb-3152	161	7	)	)	PUNCT
ajbmeb-3152	161	8	4	4	NUM
ajbmeb-3152	161	9	.	.	PUNCT
ajbmeb-3152	162	1	gerasimenko	gerasimenko	PROPN
ajbmeb-3152	162	2	r.a	r.a	PROPN
ajbmeb-3152	162	3	.	.	PROPN
ajbmeb-3152	162	4	depozitnaya	depozitnaya	PROPN
ajbmeb-3152	162	5	politika	politika	PROPN
ajbmeb-3152	162	6	bankov	bankov	PROPN
ajbmeb-3152	162	7	i	i	PRON
ajbmeb-3152	162	8	faktori	faktori	VERB
ajbmeb-3152	162	9	,	,	PUNCT
ajbmeb-3152	162	10	vliyayushchie	vliyayushchie	NOUN
ajbmeb-3152	162	11	na	na	PART
ajbmeb-3152	162	12	ee	ee	ADP
ajbmeb-3152	162	13	formirovanie	formirovanie	PROPN
ajbmeb-3152	162	14	/	/	SYM
ajbmeb-3152	162	15	r.a	r.a	PROPN
ajbmeb-3152	162	16	.	.	PROPN
ajbmeb-3152	162	17	gerasimenko	gerasimenko	PROPN
ajbmeb-3152	162	18	,	,	PUNCT
ajbmeb-3152	162	19	e.i	e.i	PROPN
ajbmeb-3152	162	20	.	.	PROPN
ajbmeb-3152	162	21	horosheva	horosheva	PROPN
ajbmeb-3152	162	22	,	,	PUNCT
ajbmeb-3152	162	23	v.v	v.v	PROPN
ajbmeb-3152	162	24	.	.	PROPN
ajbmeb-3152	162	25	gerosimenko	gerosimenko	PROPN
ajbmeb-3152	162	26	//	//	SYM
ajbmeb-3152	162	27	finance	finance	PROPN
ajbmeb-3152	162	28	,	,	PUNCT
ajbmeb-3152	162	29	uchet	uchet	NOUN
ajbmeb-3152	162	30	,	,	PUNCT
ajbmeb-3152	162	31	banki	banki	PROPN
ajbmeb-3152	162	32	2014	2014	NUM
ajbmeb-3152	162	33	.	.	PUNCT
ajbmeb-3152	163	1	№	№	ADP
ajbmeb-3152	163	2	1	1	NUM
ajbmeb-3152	163	3	.	.	PUNCT
ajbmeb-3152	164	1	s.	s.	PROPN
ajbmeb-3152	164	2	141	141	NUM
ajbmeb-3152	164	3	–	–	PUNCT
ajbmeb-3152	164	4	150	150	NUM
ajbmeb-3152	164	5	.	.	PUNCT
ajbmeb-3152	164	6	5	5	X
ajbmeb-3152	164	7	.	.	X
ajbmeb-3152	164	8	zhukov	zhukov	PROPN
ajbmeb-3152	164	9	,	,	PUNCT
ajbmeb-3152	164	10	e.	e.	PROPN
ajbmeb-3152	164	11	f.	f.	PROPN
ajbmeb-3152	164	12	bankovskoe	bankovskoe	PROPN
ajbmeb-3152	164	13	delo	delo	PROPN
ajbmeb-3152	164	14	:	:	PUNCT
ajbmeb-3152	164	15	uchebnik	uchebnik	PROPN
ajbmeb-3152	164	16	dlya	dlya	X
ajbmeb-3152	164	17	bachelorov	bachelorov	PROPN
ajbmeb-3152	164	18	/	/	SYM
ajbmeb-3152	164	19	e.	e.	PROPN
ajbmeb-3152	164	20	f.	f.	PROPN
ajbmeb-3152	164	21	zhukov	zhukov	PROPN
ajbmeb-3152	164	22	.	.	PUNCT
ajbmeb-3152	164	23	—	—	PUNCT
ajbmeb-3152	164	24	moscow	moscow	PROPN
ajbmeb-3152	164	25	:	:	PUNCT
ajbmeb-3152	164	26	izdatelstvo	izdatelstvo	PROPN
ajbmeb-3152	164	27	yurayt	yurayt	PROPN
ajbmeb-3152	164	28	,	,	PUNCT
ajbmeb-3152	164	29	2012	2012	NUM
ajbmeb-3152	164	30	.	.	PUNCT
ajbmeb-3152	165	1	—	—	PUNCT
ajbmeb-3152	165	2	591	591	NUM
ajbmeb-3152	165	3	p.	p.	NOUN
ajbmeb-3152	165	4	https://www.consultant.ru/edu/student/download_books/book/korobova_gg_bankovskoe_delo/	https://www.consultant.ru/edu/student/download_books/book/korobova_gg_bankovskoe_delo/	PROPN
ajbmeb-3152	165	5	https://www.consultant.ru/edu/student/download_books/book/korobova_gg_bankovskoe_delo/	https://www.consultant.ru/edu/student/download_books/book/korobova_gg_bankovskoe_delo/	PROPN
ajbmeb-3152	165	6	american	american	PROPN
ajbmeb-3152	165	7	journal	journal	PROPN
ajbmeb-3152	165	8	of	of	ADP
ajbmeb-3152	165	9	business	business	NOUN
ajbmeb-3152	165	10	management	management	NOUN
ajbmeb-3152	165	11	,	,	PUNCT
ajbmeb-3152	165	12	economics	economic	NOUN
ajbmeb-3152	165	13	and	and	CCONJ
ajbmeb-3152	165	14	banking	banking	NOUN
ajbmeb-3152	165	15	volume	volume	NOUN
ajbmeb-3152	165	16	41	41	NUM
ajbmeb-3152	166	1	october2025	october2025	PROPN
ajbmeb-3152	166	2	p	p	NOUN
ajbmeb-3152	166	3	a	a	DET
ajbmeb-3152	166	4	g	g	NOUN
ajbmeb-3152	166	5	e	e	NOUN
ajbmeb-3152	166	6	|	|	NOUN
ajbmeb-3152	166	7	117	117	NUM
ajbmeb-3152	166	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3152	166	9	6	6	NUM
ajbmeb-3152	166	10	.	.	PUNCT
ajbmeb-3152	167	1	www	www	PROPN
ajbmeb-3152	167	2	.	.	PUNCT
ajbmeb-3152	168	1	cbu	cbu	PROPN
ajbmeb-3152	168	2	.	.	PUNCT
ajbmeb-3152	169	1	uz	uz	PROPN
ajbmeb-3152	169	2	.information	.information	PROPN
ajbmeb-3152	169	3	about	about	ADP
ajbmeb-3152	169	4	the	the	DET
ajbmeb-3152	169	5	central	central	ADJ
ajbmeb-3152	169	6	bank	bank	NOUN
ajbmeb-3152	169	7	of	of	ADP
ajbmeb-3152	169	8	the	the	DET
ajbmeb-3152	169	9	republic	republic	NOUN
ajbmeb-3152	169	10	of	of	ADP
ajbmeb-3152	169	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3152	169	12	7	7	NUM
ajbmeb-3152	169	13	.	.	PUNCT
ajbmeb-3152	170	1	www	www	PROPN
ajbmeb-3152	170	2	.	.	PUNCT
ajbmeb-3152	171	1	cbu	cbu	PROPN
ajbmeb-3152	171	2	.	.	PUNCT
ajbmeb-3152	172	1	uz	uz	PROPN
ajbmeb-3152	172	2	.information	.information	PROPN
ajbmeb-3152	172	3	about	about	ADP
ajbmeb-3152	172	4	the	the	DET
ajbmeb-3152	172	5	central	central	ADJ
ajbmeb-3152	172	6	bank	bank	NOUN
ajbmeb-3152	172	7	of	of	ADP
ajbmeb-3152	172	8	the	the	DET
ajbmeb-3152	172	9	republic	republic	NOUN
ajbmeb-3152	172	10	of	of	ADP
ajbmeb-3152	172	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3152	172	12	8	8	NUM
ajbmeb-3152	172	13	.	.	PUNCT
ajbmeb-3152	173	1	www	www	PROPN
ajbmeb-3152	173	2	.	.	PUNCT
ajbmeb-3152	174	1	cbu	cbu	PROPN
ajbmeb-3152	174	2	.	.	PUNCT
ajbmeb-3152	175	1	uz	uz	PROPN
ajbmeb-3152	175	2	.information	.information	PROPN
ajbmeb-3152	175	3	about	about	ADP
ajbmeb-3152	175	4	the	the	DET
ajbmeb-3152	175	5	central	central	ADJ
ajbmeb-3152	175	6	bank	bank	NOUN
ajbmeb-3152	175	7	of	of	ADP
ajbmeb-3152	175	8	the	the	DET
ajbmeb-3152	175	9	republic	republic	NOUN
ajbmeb-3152	175	10	of	of	ADP
ajbmeb-3152	175	11	uzbekistan	uzbekistan	PROPN