id	sid	tid	token	lemma	pos
ajbmeb-3249	1	1	american	american	PROPN
ajbmeb-3249	1	2	journal	journal	PROPN
ajbmeb-3249	1	3	of	of	ADP
ajbmeb-3249	1	4	business	business	NOUN
ajbmeb-3249	1	5	management	management	NOUN
ajbmeb-3249	1	6	,	,	PUNCT
ajbmeb-3249	1	7	economics	economic	NOUN
ajbmeb-3249	1	8	and	and	CCONJ
ajbmeb-3249	1	9	banking	banking	NOUN
ajbmeb-3249	1	10	issn	issn	PROPN
ajbmeb-3249	1	11	(	(	PUNCT
ajbmeb-3249	1	12	e	e	NOUN
ajbmeb-3249	1	13	):	):	PUNCT
ajbmeb-3249	1	14	2832	2832	NUM
ajbmeb-3249	1	15	-	-	SYM
ajbmeb-3249	1	16	8078	8078	NUM
ajbmeb-3249	1	17	volume	volume	NOUN
ajbmeb-3249	1	18	43	43	NUM
ajbmeb-3249	1	19	,	,	PUNCT
ajbmeb-3249	1	20	december	december	PROPN
ajbmeb-3249	1	21	2025	2025	NUM
ajbmeb-3249	1	22	p	p	NOUN
ajbmeb-3249	1	23	a	a	DET
ajbmeb-3249	1	24	g	g	NOUN
ajbmeb-3249	1	25	e	e	NOUN
ajbmeb-3249	1	26	|	|	ADV
ajbmeb-3249	1	27	74	74	NUM
ajbmeb-3249	1	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3249	1	29	impact	impact	NOUN
ajbmeb-3249	1	30	of	of	ADP
ajbmeb-3249	1	31	commercial	commercial	ADJ
ajbmeb-3249	1	32	banks	bank	NOUN
ajbmeb-3249	1	33	'	'	PART
ajbmeb-3249	1	34	credit	credit	NOUN
ajbmeb-3249	1	35	operations	operation	NOUN
ajbmeb-3249	1	36	on	on	ADP
ajbmeb-3249	1	37	bank	bank	NOUN
ajbmeb-3249	1	38	liquidity	liquidity	PROPN
ajbmeb-3249	1	39	meyliev	meyliev	PROPN
ajbmeb-3249	1	40	jasur	jasur	PROPN
ajbmeb-3249	1	41	zulfikarovich	zulfikarovich	PROPN
ajbmeb-3249	1	42	independent	independent	ADJ
ajbmeb-3249	1	43	researcher	researcher	NOUN
ajbmeb-3249	1	44	of	of	ADP
ajbmeb-3249	1	45	banking	banking	NOUN
ajbmeb-3249	1	46	and	and	CCONJ
ajbmeb-3249	1	47	finance	finance	PROPN
ajbmeb-3249	1	48	academy	academy	PROPN
ajbmeb-3249	1	49	a	a	DET
ajbmeb-3249	1	50	b	b	PROPN
ajbmeb-3249	1	51	s	s	ADP
ajbmeb-3249	1	52	t	t	PROPN
ajbmeb-3249	1	53	r	r	NOUN
ajbmeb-3249	1	54	a	a	DET
ajbmeb-3249	1	55	c	c	NOUN
ajbmeb-3249	1	56	t	t	NOUN
ajbmeb-3249	1	57	k	k	X
ajbmeb-3249	1	58	e	e	PROPN
ajbmeb-3249	1	59	y	y	PROPN
ajbmeb-3249	1	60	w	w	NOUN
ajbmeb-3249	1	61	o	o	NOUN
ajbmeb-3249	1	62	r	r	NOUN
ajbmeb-3249	1	63	d	d	NOUN
ajbmeb-3249	1	64	s	s	PART
ajbmeb-3249	1	65	lending	lending	NOUN
ajbmeb-3249	1	66	is	be	AUX
ajbmeb-3249	1	67	the	the	DET
ajbmeb-3249	1	68	primary	primary	ADJ
ajbmeb-3249	1	69	activity	activity	NOUN
ajbmeb-3249	1	70	of	of	ADP
ajbmeb-3249	1	71	commercial	commercial	ADJ
ajbmeb-3249	1	72	banks	bank	NOUN
ajbmeb-3249	1	73	.	.	PUNCT
ajbmeb-3249	2	1	as	as	ADP
ajbmeb-3249	2	2	of	of	ADP
ajbmeb-3249	2	3	november	november	PROPN
ajbmeb-3249	2	4	1	1	NUM
ajbmeb-3249	2	5	,	,	PUNCT
ajbmeb-3249	2	6	2025	2025	NUM
ajbmeb-3249	2	7	,	,	PUNCT
ajbmeb-3249	2	8	the	the	DET
ajbmeb-3249	2	9	share	share	NOUN
ajbmeb-3249	2	10	of	of	ADP
ajbmeb-3249	2	11	loans	loan	NOUN
ajbmeb-3249	2	12	in	in	ADP
ajbmeb-3249	2	13	total	total	ADJ
ajbmeb-3249	2	14	assets	asset	NOUN
ajbmeb-3249	2	15	of	of	ADP
ajbmeb-3249	2	16	commercial	commercial	ADJ
ajbmeb-3249	2	17	banks	bank	NOUN
ajbmeb-3249	2	18	in	in	ADP
ajbmeb-3249	2	19	the	the	DET
ajbmeb-3249	2	20	republic	republic	NOUN
ajbmeb-3249	2	21	of	of	ADP
ajbmeb-3249	2	22	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	2	23	amounted	amount	VERB
ajbmeb-3249	2	24	to	to	ADP
ajbmeb-3249	2	25	67.6	67.6	NUM
ajbmeb-3249	2	26	percentage	percentage	NOUN
ajbmeb-3249	2	27	points	point	NOUN
ajbmeb-3249	2	28	.	.	PUNCT
ajbmeb-3249	3	1	this	this	DET
ajbmeb-3249	3	2	article	article	NOUN
ajbmeb-3249	3	3	examines	examine	VERB
ajbmeb-3249	3	4	the	the	DET
ajbmeb-3249	3	5	types	type	NOUN
ajbmeb-3249	3	6	of	of	ADP
ajbmeb-3249	3	7	loans	loan	NOUN
ajbmeb-3249	3	8	and	and	CCONJ
ajbmeb-3249	3	9	theoretical	theoretical	ADJ
ajbmeb-3249	3	10	approaches	approach	NOUN
ajbmeb-3249	3	11	to	to	ADP
ajbmeb-3249	3	12	ensuring	ensure	VERB
ajbmeb-3249	3	13	bank	bank	NOUN
ajbmeb-3249	3	14	liquidity	liquidity	NOUN
ajbmeb-3249	3	15	amid	amid	ADP
ajbmeb-3249	3	16	the	the	DET
ajbmeb-3249	3	17	ongoing	ongoing	ADJ
ajbmeb-3249	3	18	expansion	expansion	NOUN
ajbmeb-3249	3	19	of	of	ADP
ajbmeb-3249	3	20	lending	lending	NOUN
ajbmeb-3249	3	21	.	.	PUNCT
ajbmeb-3249	4	1	existing	exist	VERB
ajbmeb-3249	4	2	problems	problem	NOUN
ajbmeb-3249	4	3	in	in	ADP
ajbmeb-3249	4	4	the	the	DET
ajbmeb-3249	4	5	industry	industry	NOUN
ajbmeb-3249	4	6	are	be	AUX
ajbmeb-3249	4	7	identified	identify	VERB
ajbmeb-3249	4	8	and	and	CCONJ
ajbmeb-3249	4	9	solutions	solution	NOUN
ajbmeb-3249	4	10	are	be	AUX
ajbmeb-3249	4	11	proposed	propose	VERB
ajbmeb-3249	4	12	.	.	PUNCT
ajbmeb-3249	5	1	commercial	commercial	ADJ
ajbmeb-3249	5	2	bank	bank	PROPN
ajbmeb-3249	5	3	,	,	PUNCT
ajbmeb-3249	5	4	business	business	NOUN
ajbmeb-3249	5	5	entity	entity	NOUN
ajbmeb-3249	5	6	,	,	PUNCT
ajbmeb-3249	5	7	credit	credit	NOUN
ajbmeb-3249	5	8	,	,	PUNCT
ajbmeb-3249	5	9	liquidity	liquidity	NOUN
ajbmeb-3249	5	10	,	,	PUNCT
ajbmeb-3249	5	11	asset	asset	NOUN
ajbmeb-3249	5	12	,	,	PUNCT
ajbmeb-3249	5	13	bank	bank	NOUN
ajbmeb-3249	5	14	liabilities	liability	NOUN
ajbmeb-3249	5	15	,	,	PUNCT
ajbmeb-3249	5	16	deposit	deposit	NOUN
ajbmeb-3249	5	17	,	,	PUNCT
ajbmeb-3249	5	18	microloan	microloan	NOUN
ajbmeb-3249	5	19	,	,	PUNCT
ajbmeb-3249	5	20	interest	interest	NOUN
ajbmeb-3249	5	21	,	,	PUNCT
ajbmeb-3249	5	22	income	income	NOUN
ajbmeb-3249	5	23	,	,	PUNCT
ajbmeb-3249	5	24	expense	expense	NOUN
ajbmeb-3249	5	25	.	.	PUNCT
ajbmeb-3249	6	1	introduction	introduction	NOUN
ajbmeb-3249	6	2	in	in	ADP
ajbmeb-3249	6	3	accordance	accordance	NOUN
ajbmeb-3249	6	4	with	with	ADP
ajbmeb-3249	6	5	the	the	DET
ajbmeb-3249	6	6	decree	decree	NOUN
ajbmeb-3249	6	7	of	of	ADP
ajbmeb-3249	6	8	the	the	DET
ajbmeb-3249	6	9	president	president	NOUN
ajbmeb-3249	6	10	of	of	ADP
ajbmeb-3249	6	11	the	the	DET
ajbmeb-3249	6	12	republic	republic	NOUN
ajbmeb-3249	6	13	of	of	ADP
ajbmeb-3249	6	14	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	6	15	dated	date	VERB
ajbmeb-3249	6	16	september	september	PROPN
ajbmeb-3249	6	17	1	1	NUM
ajbmeb-3249	6	18	,	,	PUNCT
ajbmeb-3249	6	19	2023	2023	NUM
ajbmeb-3249	6	20	no	no	NOUN
ajbmeb-3249	6	21	.	.	PUNCT
ajbmeb-3249	6	22	up-158	up-158	PUNCT
ajbmeb-3249	7	1	"	"	PUNCT
ajbmeb-3249	7	2	on	on	ADP
ajbmeb-3249	7	3	the	the	DET
ajbmeb-3249	7	4	strategy	strategy	NOUN
ajbmeb-3249	7	5	"	"	PUNCT
ajbmeb-3249	7	6	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	7	7	2030	2030	NUM
ajbmeb-3249	7	8	"	"	PUNCT
ajbmeb-3249	7	9	,	,	PUNCT
ajbmeb-3249	7	10	the	the	DET
ajbmeb-3249	7	11	following	follow	VERB
ajbmeb-3249	7	12	urgent	urgent	ADJ
ajbmeb-3249	7	13	tasks	task	NOUN
ajbmeb-3249	7	14	have	have	AUX
ajbmeb-3249	7	15	been	be	AUX
ajbmeb-3249	7	16	identified	identify	VERB
ajbmeb-3249	7	17	:	:	PUNCT
ajbmeb-3249	7	18	consistent	consistent	ADJ
ajbmeb-3249	7	19	continuation	continuation	NOUN
ajbmeb-3249	7	20	of	of	ADP
ajbmeb-3249	7	21	transformational	transformational	ADJ
ajbmeb-3249	7	22	and	and	CCONJ
ajbmeb-3249	7	23	institutional	institutional	ADJ
ajbmeb-3249	7	24	reforms	reform	NOUN
ajbmeb-3249	7	25	in	in	ADP
ajbmeb-3249	7	26	the	the	DET
ajbmeb-3249	7	27	economy	economy	NOUN
ajbmeb-3249	7	28	,	,	PUNCT
ajbmeb-3249	7	29	ensuring	ensure	VERB
ajbmeb-3249	7	30	a	a	DET
ajbmeb-3249	7	31	favorable	favorable	ADJ
ajbmeb-3249	7	32	investment	investment	NOUN
ajbmeb-3249	7	33	and	and	CCONJ
ajbmeb-3249	7	34	business	business	NOUN
ajbmeb-3249	7	35	climate	climate	NOUN
ajbmeb-3249	7	36	in	in	ADP
ajbmeb-3249	7	37	the	the	DET
ajbmeb-3249	7	38	country	country	NOUN
ajbmeb-3249	7	39	,	,	PUNCT
ajbmeb-3249	7	40	implementing	implement	VERB
ajbmeb-3249	7	41	a	a	DET
ajbmeb-3249	7	42	balanced	balanced	ADJ
ajbmeb-3249	7	43	monetary	monetary	ADJ
ajbmeb-3249	7	44	policy	policy	NOUN
ajbmeb-3249	7	45	,	,	PUNCT
ajbmeb-3249	7	46	bringing	bring	VERB
ajbmeb-3249	7	47	the	the	DET
ajbmeb-3249	7	48	annual	annual	ADJ
ajbmeb-3249	7	49	volume	volume	NOUN
ajbmeb-3249	7	50	of	of	ADP
ajbmeb-3249	7	51	lending	lending	NOUN
ajbmeb-3249	7	52	in	in	ADP
ajbmeb-3249	7	53	the	the	DET
ajbmeb-3249	7	54	banking	banking	NOUN
ajbmeb-3249	7	55	and	and	CCONJ
ajbmeb-3249	7	56	financial	financial	ADJ
ajbmeb-3249	7	57	system	system	NOUN
ajbmeb-3249	7	58	to	to	ADP
ajbmeb-3249	7	59	40	40	NUM
ajbmeb-3249	7	60	billion	billion	NUM
ajbmeb-3249	7	61	dollars	dollar	NOUN
ajbmeb-3249	7	62	,	,	PUNCT
ajbmeb-3249	7	63	increasing	increase	VERB
ajbmeb-3249	7	64	the	the	DET
ajbmeb-3249	7	65	volume	volume	NOUN
ajbmeb-3249	7	66	of	of	ADP
ajbmeb-3249	7	67	bank	bank	NOUN
ajbmeb-3249	7	68	deposits	deposit	NOUN
ajbmeb-3249	7	69	by	by	ADP
ajbmeb-3249	7	70	4	4	NUM
ajbmeb-3249	7	71	times	time	NOUN
ajbmeb-3249	7	72	.	.	PUNCT
ajbmeb-3249	8	1	[	[	X
ajbmeb-3249	8	2	1	1	X
ajbmeb-3249	8	3	]	]	PUNCT
ajbmeb-3249	8	4	in	in	ADP
ajbmeb-3249	8	5	addition	addition	NOUN
ajbmeb-3249	8	6	,	,	PUNCT
ajbmeb-3249	8	7	decree	decree	NOUN
ajbmeb-3249	8	8	no	no	NOUN
ajbmeb-3249	8	9	.	.	PUNCT
ajbmeb-3249	8	10	up-5992	up-5992	PROPN
ajbmeb-3249	8	11	"	"	PUNCT
ajbmeb-3249	8	12	on	on	ADP
ajbmeb-3249	8	13	the	the	DET
ajbmeb-3249	8	14	strategy	strategy	NOUN
ajbmeb-3249	8	15	for	for	ADP
ajbmeb-3249	8	16	reforming	reform	VERB
ajbmeb-3249	8	17	the	the	DET
ajbmeb-3249	8	18	banking	banking	NOUN
ajbmeb-3249	8	19	system	system	NOUN
ajbmeb-3249	8	20	of	of	ADP
ajbmeb-3249	8	21	the	the	DET
ajbmeb-3249	8	22	republic	republic	NOUN
ajbmeb-3249	8	23	of	of	ADP
ajbmeb-3249	8	24	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	8	25	for	for	ADP
ajbmeb-3249	8	26	2020	2020	NUM
ajbmeb-3249	8	27	-	-	SYM
ajbmeb-3249	8	28	2025	2025	NUM
ajbmeb-3249	8	29	"	"	PUNCT
ajbmeb-3249	8	30	provides	provide	VERB
ajbmeb-3249	8	31	for	for	ADP
ajbmeb-3249	8	32	the	the	DET
ajbmeb-3249	8	33	implementation	implementation	NOUN
ajbmeb-3249	8	34	of	of	ADP
ajbmeb-3249	8	35	the	the	DET
ajbmeb-3249	8	36	following	follow	VERB
ajbmeb-3249	8	37	measures	measure	NOUN
ajbmeb-3249	8	38	to	to	PART
ajbmeb-3249	8	39	achieve	achieve	VERB
ajbmeb-3249	8	40	the	the	DET
ajbmeb-3249	8	41	strategic	strategic	ADJ
ajbmeb-3249	8	42	goals	goal	NOUN
ajbmeb-3249	8	43	of	of	ADP
ajbmeb-3249	8	44	increasing	increase	VERB
ajbmeb-3249	8	45	the	the	DET
ajbmeb-3249	8	46	financial	financial	ADJ
ajbmeb-3249	8	47	stability	stability	NOUN
ajbmeb-3249	8	48	of	of	ADP
ajbmeb-3249	8	49	the	the	DET
ajbmeb-3249	8	50	banking	banking	NOUN
ajbmeb-3249	8	51	sector	sector	NOUN
ajbmeb-3249	8	52	:	:	PUNCT
ajbmeb-3249	8	53	1	1	X
ajbmeb-3249	8	54	)	)	PUNCT
ajbmeb-3249	8	55	ensuring	ensure	VERB
ajbmeb-3249	8	56	moderate	moderate	ADJ
ajbmeb-3249	8	57	lending	lending	NOUN
ajbmeb-3249	8	58	growth	growth	NOUN
ajbmeb-3249	8	59	rates	rate	NOUN
ajbmeb-3249	8	60	and	and	CCONJ
ajbmeb-3249	8	61	improving	improve	VERB
ajbmeb-3249	8	62	the	the	DET
ajbmeb-3249	8	63	quality	quality	NOUN
ajbmeb-3249	8	64	of	of	ADP
ajbmeb-3249	8	65	the	the	DET
ajbmeb-3249	8	66	loan	loan	NOUN
ajbmeb-3249	8	67	portfolio	portfolio	NOUN
ajbmeb-3249	8	68	;	;	PUNCT
ajbmeb-3249	8	69	2	2	X
ajbmeb-3249	8	70	)	)	PUNCT
ajbmeb-3249	8	71	improving	improve	VERB
ajbmeb-3249	8	72	banking	banking	NOUN
ajbmeb-3249	8	73	sector	sector	NOUN
ajbmeb-3249	8	74	oversight	oversight	NOUN
ajbmeb-3249	8	75	and	and	CCONJ
ajbmeb-3249	8	76	implementing	implement	VERB
ajbmeb-3249	8	77	a	a	DET
ajbmeb-3249	8	78	modern	modern	ADJ
ajbmeb-3249	8	79	risk	risk	NOUN
ajbmeb-3249	8	80	management	management	NOUN
ajbmeb-3249	8	81	system	system	NOUN
ajbmeb-3249	8	82	in	in	ADP
ajbmeb-3249	8	83	banks	bank	NOUN
ajbmeb-3249	8	84	;	;	PUNCT
ajbmeb-3249	8	85	3	3	X
ajbmeb-3249	8	86	)	)	PUNCT
ajbmeb-3249	8	87	ensuring	ensure	VERB
ajbmeb-3249	8	88	coordinated	coordinated	ADJ
ajbmeb-3249	8	89	reform	reform	NOUN
ajbmeb-3249	8	90	of	of	ADP
ajbmeb-3249	8	91	the	the	DET
ajbmeb-3249	8	92	banking	banking	NOUN
ajbmeb-3249	8	93	system	system	NOUN
ajbmeb-3249	8	94	and	and	CCONJ
ajbmeb-3249	8	95	state	state	NOUN
ajbmeb-3249	8	96	-	-	PUNCT
ajbmeb-3249	8	97	owned	own	VERB
ajbmeb-3249	8	98	enterprises	enterprise	NOUN
ajbmeb-3249	8	99	in	in	ADP
ajbmeb-3249	8	100	the	the	DET
ajbmeb-3249	8	101	real	real	ADJ
ajbmeb-3249	8	102	sector	sector	NOUN
ajbmeb-3249	8	103	of	of	ADP
ajbmeb-3249	8	104	the	the	DET
ajbmeb-3249	8	105	economy	economy	NOUN
ajbmeb-3249	8	106	,	,	PUNCT
ajbmeb-3249	8	107	actively	actively	ADV
ajbmeb-3249	8	108	participating	participate	VERB
ajbmeb-3249	8	109	in	in	ADP
ajbmeb-3249	8	110	the	the	DET
ajbmeb-3249	8	111	transformation	transformation	NOUN
ajbmeb-3249	8	112	of	of	ADP
ajbmeb-3249	8	113	state	state	NOUN
ajbmeb-3249	8	114	-	-	PUNCT
ajbmeb-3249	8	115	owned	own	VERB
ajbmeb-3249	8	116	enterprises	enterprise	NOUN
ajbmeb-3249	8	117	and	and	CCONJ
ajbmeb-3249	8	118	organizations	organization	NOUN
ajbmeb-3249	8	119	on	on	ADP
ajbmeb-3249	8	120	a	a	DET
ajbmeb-3249	8	121	commercial	commercial	ADJ
ajbmeb-3249	8	122	basis	basis	NOUN
ajbmeb-3249	8	123	,	,	PUNCT
ajbmeb-3249	8	124	and	and	CCONJ
ajbmeb-3249	8	125	ensuring	ensure	VERB
ajbmeb-3249	8	126	the	the	DET
ajbmeb-3249	8	127	harmonious	harmonious	ADJ
ajbmeb-3249	8	128	flow	flow	NOUN
ajbmeb-3249	8	129	of	of	ADP
ajbmeb-3249	8	130	reforms	reform	NOUN
ajbmeb-3249	8	131	in	in	ADP
ajbmeb-3249	8	132	the	the	DET
ajbmeb-3249	8	133	real	real	ADJ
ajbmeb-3249	8	134	and	and	CCONJ
ajbmeb-3249	8	135	financial	financial	ADJ
ajbmeb-3249	8	136	sectors	sector	NOUN
ajbmeb-3249	8	137	;	;	PUNCT
ajbmeb-3249	8	138	4	4	X
ajbmeb-3249	8	139	)	)	PUNCT
ajbmeb-3249	8	140	increasing	increase	VERB
ajbmeb-3249	8	141	minimum	minimum	ADJ
ajbmeb-3249	8	142	capital	capital	NOUN
ajbmeb-3249	8	143	requirements	requirement	NOUN
ajbmeb-3249	8	144	for	for	ADP
ajbmeb-3249	8	145	banks	bank	NOUN
ajbmeb-3249	8	146	,	,	PUNCT
ajbmeb-3249	8	147	including	include	VERB
ajbmeb-3249	8	148	taking	take	VERB
ajbmeb-3249	8	149	into	into	ADP
ajbmeb-3249	8	150	account	account	NOUN
ajbmeb-3249	8	151	the	the	DET
ajbmeb-3249	8	152	accession	accession	NOUN
ajbmeb-3249	8	153	of	of	ADP
ajbmeb-3249	8	154	the	the	DET
ajbmeb-3249	8	155	republic	republic	NOUN
ajbmeb-3249	8	156	of	of	ADP
ajbmeb-3249	8	157	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	8	158	to	to	ADP
ajbmeb-3249	8	159	international	international	ADJ
ajbmeb-3249	8	160	economic	economic	ADJ
ajbmeb-3249	8	161	organizations	organization	NOUN
ajbmeb-3249	8	162	and	and	CCONJ
ajbmeb-3249	8	163	the	the	DET
ajbmeb-3249	8	164	integration	integration	NOUN
ajbmeb-3249	8	165	of	of	ADP
ajbmeb-3249	8	166	the	the	DET
ajbmeb-3249	8	167	country	country	NOUN
ajbmeb-3249	8	168	's	's	PART
ajbmeb-3249	8	169	banking	banking	NOUN
ajbmeb-3249	8	170	system	system	NOUN
ajbmeb-3249	8	171	into	into	ADP
ajbmeb-3249	8	172	the	the	DET
ajbmeb-3249	8	173	international	international	ADJ
ajbmeb-3249	8	174	financial	financial	ADJ
ajbmeb-3249	8	175	system	system	NOUN
ajbmeb-3249	8	176	.	.	PUNCT
ajbmeb-3249	9	1	[	[	X
ajbmeb-3249	9	2	2	2	X
ajbmeb-3249	9	3	]	]	PUNCT
ajbmeb-3249	9	4	the	the	DET
ajbmeb-3249	9	5	above	above	ADJ
ajbmeb-3249	9	6	circumstances	circumstance	NOUN
ajbmeb-3249	9	7	necessitate	necessitate	ADJ
ajbmeb-3249	9	8	scientific	scientific	ADJ
ajbmeb-3249	9	9	and	and	CCONJ
ajbmeb-3249	9	10	practical	practical	ADJ
ajbmeb-3249	9	11	research	research	NOUN
ajbmeb-3249	9	12	into	into	ADP
ajbmeb-3249	9	13	the	the	DET
ajbmeb-3249	9	14	sustainability	sustainability	NOUN
ajbmeb-3249	9	15	of	of	ADP
ajbmeb-3249	9	16	bank	bank	NOUN
ajbmeb-3249	9	17	liquidity	liquidity	NOUN
ajbmeb-3249	9	18	when	when	SCONJ
ajbmeb-3249	9	19	improving	improve	VERB
ajbmeb-3249	9	20	bank	bank	NOUN
ajbmeb-3249	9	21	lending	lending	NOUN
ajbmeb-3249	9	22	practices	practice	NOUN
ajbmeb-3249	9	23	.	.	PUNCT
ajbmeb-3249	10	1	for	for	ADP
ajbmeb-3249	10	2	this	this	DET
ajbmeb-3249	10	3	reason	reason	NOUN
ajbmeb-3249	10	4	,	,	PUNCT
ajbmeb-3249	10	5	this	this	DET
ajbmeb-3249	10	6	research	research	NOUN
ajbmeb-3249	10	7	article	article	NOUN
ajbmeb-3249	10	8	is	be	AUX
ajbmeb-3249	10	9	relevant	relevant	ADJ
ajbmeb-3249	10	10	.	.	PUNCT
ajbmeb-3249	11	1	american	american	PROPN
ajbmeb-3249	11	2	journal	journal	PROPN
ajbmeb-3249	11	3	of	of	ADP
ajbmeb-3249	11	4	business	business	NOUN
ajbmeb-3249	11	5	management	management	NOUN
ajbmeb-3249	11	6	,	,	PUNCT
ajbmeb-3249	11	7	economics	economic	NOUN
ajbmeb-3249	11	8	and	and	CCONJ
ajbmeb-3249	11	9	banking	banking	NOUN
ajbmeb-3249	11	10	volume	volume	NOUN
ajbmeb-3249	11	11	43	43	NUM
ajbmeb-3249	12	1	december2025	december2025	PROPN
ajbmeb-3249	12	2	p	p	PROPN
ajbmeb-3249	12	3	a	a	DET
ajbmeb-3249	12	4	g	g	NOUN
ajbmeb-3249	12	5	e	e	NOUN
ajbmeb-3249	13	1	|	|	ADV
ajbmeb-3249	13	2	75	75	NUM
ajbmeb-3249	13	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-3249	13	4	literature	literature	NOUN
ajbmeb-3249	13	5	review	review	NOUN
ajbmeb-3249	13	6	on	on	ADP
ajbmeb-3249	13	7	the	the	DET
ajbmeb-3249	13	8	topic	topic	NOUN
ajbmeb-3249	13	9	french	french	ADJ
ajbmeb-3249	13	10	economist	economist	NOUN
ajbmeb-3249	13	11	p.	p.	PROPN
ajbmeb-3249	13	12	dieterlen	dieterlen	PROPN
ajbmeb-3249	13	13	emphasizes	emphasize	VERB
ajbmeb-3249	13	14	that	that	SCONJ
ajbmeb-3249	13	15	"	"	PUNCT
ajbmeb-3249	13	16	liquidity	liquidity	NOUN
ajbmeb-3249	13	17	is	be	AUX
ajbmeb-3249	13	18	the	the	DET
ajbmeb-3249	13	19	total	total	ADJ
ajbmeb-3249	13	20	amount	amount	NOUN
ajbmeb-3249	13	21	of	of	ADP
ajbmeb-3249	13	22	cash	cash	NOUN
ajbmeb-3249	13	23	currently	currently	ADV
ajbmeb-3249	13	24	available	available	ADJ
ajbmeb-3249	13	25	and	and	CCONJ
ajbmeb-3249	13	26	obtainable	obtainable	ADJ
ajbmeb-3249	13	27	in	in	ADP
ajbmeb-3249	13	28	the	the	DET
ajbmeb-3249	13	29	future	future	NOUN
ajbmeb-3249	13	30	,	,	PUNCT
ajbmeb-3249	13	31	exceeding	exceed	VERB
ajbmeb-3249	13	32	all	all	DET
ajbmeb-3249	13	33	current	current	ADJ
ajbmeb-3249	13	34	needs	need	NOUN
ajbmeb-3249	13	35	and	and	CCONJ
ajbmeb-3249	13	36	obligations	obligation	NOUN
ajbmeb-3249	13	37	,	,	PUNCT
ajbmeb-3249	13	38	whether	whether	SCONJ
ajbmeb-3249	13	39	immediately	immediately	ADV
ajbmeb-3249	13	40	or	or	CCONJ
ajbmeb-3249	13	41	in	in	ADP
ajbmeb-3249	13	42	the	the	DET
ajbmeb-3249	13	43	short	short	ADJ
ajbmeb-3249	13	44	term	term	NOUN
ajbmeb-3249	13	45	.	.	PUNCT
ajbmeb-3249	13	46	"	"	PUNCT
ajbmeb-3249	14	1	[	[	X
ajbmeb-3249	14	2	3	3	X
ajbmeb-3249	14	3	]	]	PUNCT
ajbmeb-3249	14	4	indeed	indeed	ADV
ajbmeb-3249	14	5	,	,	PUNCT
ajbmeb-3249	14	6	dieterlen	dieterlen	PROPN
ajbmeb-3249	14	7	's	's	PART
ajbmeb-3249	14	8	ideas	idea	NOUN
ajbmeb-3249	14	9	are	be	AUX
ajbmeb-3249	14	10	also	also	ADV
ajbmeb-3249	14	11	applicable	applicable	ADJ
ajbmeb-3249	14	12	to	to	ADP
ajbmeb-3249	14	13	the	the	DET
ajbmeb-3249	14	14	banking	banking	NOUN
ajbmeb-3249	14	15	system	system	NOUN
ajbmeb-3249	14	16	.	.	PUNCT
ajbmeb-3249	15	1	properly	properly	ADV
ajbmeb-3249	15	2	organizing	organize	VERB
ajbmeb-3249	15	3	the	the	DET
ajbmeb-3249	15	4	allocation	allocation	NOUN
ajbmeb-3249	15	5	of	of	ADP
ajbmeb-3249	15	6	loans	loan	NOUN
ajbmeb-3249	15	7	by	by	ADP
ajbmeb-3249	15	8	commercial	commercial	ADJ
ajbmeb-3249	15	9	banks	bank	NOUN
ajbmeb-3249	15	10	proportionate	proportionate	ADJ
ajbmeb-3249	15	11	to	to	ADP
ajbmeb-3249	15	12	the	the	DET
ajbmeb-3249	15	13	terms	term	NOUN
ajbmeb-3249	15	14	of	of	ADP
ajbmeb-3249	15	15	their	their	PRON
ajbmeb-3249	15	16	obligations	obligation	NOUN
ajbmeb-3249	15	17	and	and	CCONJ
ajbmeb-3249	15	18	needs	need	NOUN
ajbmeb-3249	15	19	is	be	AUX
ajbmeb-3249	15	20	an	an	DET
ajbmeb-3249	15	21	important	important	ADJ
ajbmeb-3249	15	22	step	step	NOUN
ajbmeb-3249	15	23	in	in	ADP
ajbmeb-3249	15	24	ensuring	ensure	VERB
ajbmeb-3249	15	25	the	the	DET
ajbmeb-3249	15	26	financial	financial	ADJ
ajbmeb-3249	15	27	stability	stability	NOUN
ajbmeb-3249	15	28	and	and	CCONJ
ajbmeb-3249	15	29	liquidity	liquidity	NOUN
ajbmeb-3249	15	30	of	of	ADP
ajbmeb-3249	15	31	the	the	DET
ajbmeb-3249	15	32	bank	bank	NOUN
ajbmeb-3249	15	33	.	.	PUNCT
ajbmeb-3249	16	1	according	accord	VERB
ajbmeb-3249	16	2	to	to	ADP
ajbmeb-3249	16	3	t.	t.	PROPN
ajbmeb-3249	16	4	makshanova	makshanova	PROPN
ajbmeb-3249	16	5	,	,	PUNCT
ajbmeb-3249	16	6	the	the	DET
ajbmeb-3249	16	7	development	development	NOUN
ajbmeb-3249	16	8	of	of	ADP
ajbmeb-3249	16	9	the	the	DET
ajbmeb-3249	16	10	interbank	interbank	NOUN
ajbmeb-3249	16	11	market	market	NOUN
ajbmeb-3249	16	12	facilitates	facilitate	VERB
ajbmeb-3249	16	13	the	the	DET
ajbmeb-3249	16	14	redistribution	redistribution	NOUN
ajbmeb-3249	16	15	of	of	ADP
ajbmeb-3249	16	16	temporarily	temporarily	ADV
ajbmeb-3249	16	17	idle	idle	ADJ
ajbmeb-3249	16	18	funds	fund	NOUN
ajbmeb-3249	16	19	between	between	ADP
ajbmeb-3249	16	20	banks	bank	NOUN
ajbmeb-3249	16	21	and	and	CCONJ
ajbmeb-3249	16	22	the	the	DET
ajbmeb-3249	16	23	maintenance	maintenance	NOUN
ajbmeb-3249	16	24	of	of	ADP
ajbmeb-3249	16	25	liquidity	liquidity	NOUN
ajbmeb-3249	16	26	.	.	PUNCT
ajbmeb-3249	17	1	the	the	DET
ajbmeb-3249	17	2	refinancing	refinance	VERB
ajbmeb-3249	17	3	system	system	NOUN
ajbmeb-3249	17	4	for	for	ADP
ajbmeb-3249	17	5	russian	russian	ADJ
ajbmeb-3249	17	6	commercial	commercial	ADJ
ajbmeb-3249	17	7	banks	bank	NOUN
ajbmeb-3249	17	8	is	be	AUX
ajbmeb-3249	17	9	also	also	ADV
ajbmeb-3249	17	10	linked	link	VERB
ajbmeb-3249	17	11	to	to	ADP
ajbmeb-3249	17	12	this	this	DET
ajbmeb-3249	17	13	factor	factor	NOUN
ajbmeb-3249	17	14	.	.	PUNCT
ajbmeb-3249	18	1	in	in	ADP
ajbmeb-3249	18	2	this	this	DET
ajbmeb-3249	18	3	case	case	NOUN
ajbmeb-3249	18	4	,	,	PUNCT
ajbmeb-3249	18	5	the	the	DET
ajbmeb-3249	18	6	source	source	NOUN
ajbmeb-3249	18	7	of	of	ADP
ajbmeb-3249	18	8	replenishment	replenishment	NOUN
ajbmeb-3249	18	9	of	of	ADP
ajbmeb-3249	18	10	resources	resource	NOUN
ajbmeb-3249	18	11	is	be	AUX
ajbmeb-3249	18	12	the	the	DET
ajbmeb-3249	18	13	central	central	ADJ
ajbmeb-3249	18	14	bank	bank	NOUN
ajbmeb-3249	18	15	of	of	ADP
ajbmeb-3249	18	16	russia	russia	PROPN
ajbmeb-3249	18	17	,	,	PUNCT
ajbmeb-3249	18	18	through	through	ADP
ajbmeb-3249	18	19	which	which	PRON
ajbmeb-3249	18	20	the	the	DET
ajbmeb-3249	18	21	liquidity	liquidity	NOUN
ajbmeb-3249	18	22	of	of	ADP
ajbmeb-3249	18	23	the	the	DET
ajbmeb-3249	18	24	commercial	commercial	ADJ
ajbmeb-3249	18	25	bank	bank	NOUN
ajbmeb-3249	18	26	is	be	AUX
ajbmeb-3249	18	27	maintained	maintain	VERB
ajbmeb-3249	18	28	.	.	PUNCT
ajbmeb-3249	19	1	[	[	X
ajbmeb-3249	19	2	4	4	X
ajbmeb-3249	19	3	]	]	PUNCT
ajbmeb-3249	19	4	the	the	DET
ajbmeb-3249	19	5	opinion	opinion	NOUN
ajbmeb-3249	19	6	of	of	ADP
ajbmeb-3249	19	7	the	the	DET
ajbmeb-3249	19	8	russian	russian	ADJ
ajbmeb-3249	19	9	economist	economist	NOUN
ajbmeb-3249	19	10	is	be	AUX
ajbmeb-3249	19	11	also	also	ADV
ajbmeb-3249	19	12	important	important	ADJ
ajbmeb-3249	19	13	for	for	ADP
ajbmeb-3249	19	14	the	the	DET
ajbmeb-3249	19	15	banking	banking	NOUN
ajbmeb-3249	19	16	practice	practice	NOUN
ajbmeb-3249	19	17	of	of	ADP
ajbmeb-3249	19	18	the	the	DET
ajbmeb-3249	19	19	republic	republic	NOUN
ajbmeb-3249	19	20	of	of	ADP
ajbmeb-3249	19	21	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	19	22	.	.	PUNCT
ajbmeb-3249	20	1	this	this	PRON
ajbmeb-3249	20	2	is	be	AUX
ajbmeb-3249	20	3	due	due	ADJ
ajbmeb-3249	20	4	to	to	ADP
ajbmeb-3249	20	5	the	the	DET
ajbmeb-3249	20	6	fact	fact	NOUN
ajbmeb-3249	20	7	that	that	SCONJ
ajbmeb-3249	20	8	,	,	PUNCT
ajbmeb-3249	20	9	according	accord	VERB
ajbmeb-3249	20	10	to	to	ADP
ajbmeb-3249	20	11	the	the	DET
ajbmeb-3249	20	12	central	central	ADJ
ajbmeb-3249	20	13	bank	bank	NOUN
ajbmeb-3249	20	14	of	of	ADP
ajbmeb-3249	20	15	the	the	DET
ajbmeb-3249	20	16	republic	republic	NOUN
ajbmeb-3249	20	17	of	of	ADP
ajbmeb-3249	20	18	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	20	19	,	,	PUNCT
ajbmeb-3249	20	20	in	in	ADP
ajbmeb-3249	20	21	the	the	DET
ajbmeb-3249	20	22	third	third	ADJ
ajbmeb-3249	20	23	quarter	quarter	NOUN
ajbmeb-3249	20	24	of	of	ADP
ajbmeb-3249	20	25	2025	2025	NUM
ajbmeb-3249	20	26	,	,	PUNCT
ajbmeb-3249	20	27	transactions	transaction	NOUN
ajbmeb-3249	20	28	worth	worth	ADJ
ajbmeb-3249	20	29	a	a	DET
ajbmeb-3249	20	30	total	total	NOUN
ajbmeb-3249	20	31	of	of	ADP
ajbmeb-3249	20	32	255.6	255.6	NUM
ajbmeb-3249	20	33	trillion	trillion	NUM
ajbmeb-3249	20	34	soums	soum	NOUN
ajbmeb-3249	20	35	were	be	AUX
ajbmeb-3249	20	36	conducted	conduct	VERB
ajbmeb-3249	20	37	on	on	ADP
ajbmeb-3249	20	38	the	the	DET
ajbmeb-3249	20	39	interbank	interbank	NOUN
ajbmeb-3249	20	40	money	money	NOUN
ajbmeb-3249	20	41	market	market	NOUN
ajbmeb-3249	20	42	,	,	PUNCT
ajbmeb-3249	20	43	and	and	CCONJ
ajbmeb-3249	20	44	the	the	DET
ajbmeb-3249	20	45	total	total	ADJ
ajbmeb-3249	20	46	volume	volume	NOUN
ajbmeb-3249	20	47	of	of	ADP
ajbmeb-3249	20	48	transactions	transaction	NOUN
ajbmeb-3249	20	49	increased	increase	VERB
ajbmeb-3249	20	50	by	by	ADP
ajbmeb-3249	20	51	19	19	NUM
ajbmeb-3249	20	52	%	%	NOUN
ajbmeb-3249	20	53	compared	compare	VERB
ajbmeb-3249	20	54	to	to	ADP
ajbmeb-3249	20	55	the	the	DET
ajbmeb-3249	20	56	second	second	ADJ
ajbmeb-3249	20	57	quarter	quarter	NOUN
ajbmeb-3249	20	58	(	(	PUNCT
ajbmeb-3249	20	59	214.5	214.5	NUM
ajbmeb-3249	20	60	trillion	trillion	NUM
ajbmeb-3249	20	61	soums	soum	NOUN
ajbmeb-3249	20	62	)	)	PUNCT
ajbmeb-3249	20	63	.	.	PUNCT
ajbmeb-3249	21	1	increased	increase	VERB
ajbmeb-3249	21	2	activity	activity	NOUN
ajbmeb-3249	21	3	in	in	ADP
ajbmeb-3249	21	4	the	the	DET
ajbmeb-3249	21	5	interbank	interbank	NOUN
ajbmeb-3249	21	6	money	money	NOUN
ajbmeb-3249	21	7	market	market	NOUN
ajbmeb-3249	21	8	indicates	indicate	VERB
ajbmeb-3249	21	9	the	the	DET
ajbmeb-3249	21	10	development	development	NOUN
ajbmeb-3249	21	11	of	of	ADP
ajbmeb-3249	21	12	mechanisms	mechanism	NOUN
ajbmeb-3249	21	13	for	for	ADP
ajbmeb-3249	21	14	the	the	DET
ajbmeb-3249	21	15	redistribution	redistribution	NOUN
ajbmeb-3249	21	16	of	of	ADP
ajbmeb-3249	21	17	liquidity	liquidity	NOUN
ajbmeb-3249	21	18	in	in	ADP
ajbmeb-3249	21	19	the	the	DET
ajbmeb-3249	21	20	banking	banking	NOUN
ajbmeb-3249	21	21	system	system	NOUN
ajbmeb-3249	21	22	and	and	CCONJ
ajbmeb-3249	21	23	increased	increase	VERB
ajbmeb-3249	21	24	efficiency	efficiency	NOUN
ajbmeb-3249	21	25	of	of	ADP
ajbmeb-3249	21	26	liquidity	liquidity	NOUN
ajbmeb-3249	21	27	management	management	NOUN
ajbmeb-3249	21	28	.	.	PUNCT
ajbmeb-3249	22	1	[	[	X
ajbmeb-3249	22	2	5	5	X
ajbmeb-3249	22	3	]	]	PUNCT
ajbmeb-3249	22	4	the	the	DET
ajbmeb-3249	22	5	scientific	scientific	ADJ
ajbmeb-3249	22	6	innovation	innovation	NOUN
ajbmeb-3249	22	7	presented	present	VERB
ajbmeb-3249	22	8	in	in	ADP
ajbmeb-3249	22	9	sh	sh	PROPN
ajbmeb-3249	22	10	.	.	PUNCT
ajbmeb-3249	23	1	t.	t.	PROPN
ajbmeb-3249	23	2	ibodullaev	ibodullaev	PROPN
ajbmeb-3249	23	3	's	's	PART
ajbmeb-3249	23	4	doctoral	doctoral	ADJ
ajbmeb-3249	23	5	dissertation	dissertation	NOUN
ajbmeb-3249	23	6	proposes	propose	VERB
ajbmeb-3249	23	7	a	a	DET
ajbmeb-3249	23	8	methodology	methodology	NOUN
ajbmeb-3249	23	9	for	for	ADP
ajbmeb-3249	23	10	"	"	PUNCT
ajbmeb-3249	23	11	ensuring	ensure	VERB
ajbmeb-3249	23	12	the	the	DET
ajbmeb-3249	23	13	competitiveness	competitiveness	NOUN
ajbmeb-3249	23	14	and	and	CCONJ
ajbmeb-3249	23	15	liquidity	liquidity	NOUN
ajbmeb-3249	23	16	of	of	ADP
ajbmeb-3249	23	17	a	a	DET
ajbmeb-3249	23	18	commercial	commercial	ADJ
ajbmeb-3249	23	19	bank	bank	NOUN
ajbmeb-3249	23	20	in	in	ADP
ajbmeb-3249	23	21	the	the	DET
ajbmeb-3249	23	22	national	national	PROPN
ajbmeb-3249	23	23	loan	loan	NOUN
ajbmeb-3249	23	24	capital	capital	NOUN
ajbmeb-3249	23	25	market	market	NOUN
ajbmeb-3249	23	26	by	by	ADP
ajbmeb-3249	23	27	reducing	reduce	VERB
ajbmeb-3249	23	28	the	the	DET
ajbmeb-3249	23	29	level	level	NOUN
ajbmeb-3249	23	30	of	of	ADP
ajbmeb-3249	23	31	the	the	DET
ajbmeb-3249	23	32	reserve	reserve	NOUN
ajbmeb-3249	23	33	for	for	ADP
ajbmeb-3249	23	34	possible	possible	ADJ
ajbmeb-3249	23	35	loan	loan	NOUN
ajbmeb-3249	23	36	losses	loss	NOUN
ajbmeb-3249	23	37	relative	relative	ADJ
ajbmeb-3249	23	38	to	to	ADP
ajbmeb-3249	23	39	gross	gross	ADJ
ajbmeb-3249	23	40	loans	loan	NOUN
ajbmeb-3249	23	41	,	,	PUNCT
ajbmeb-3249	23	42	ensuring	ensure	VERB
ajbmeb-3249	23	43	proportionality	proportionality	NOUN
ajbmeb-3249	23	44	between	between	ADP
ajbmeb-3249	23	45	the	the	DET
ajbmeb-3249	23	46	rate	rate	NOUN
ajbmeb-3249	23	47	of	of	ADP
ajbmeb-3249	23	48	loan	loan	NOUN
ajbmeb-3249	23	49	growth	growth	NOUN
ajbmeb-3249	23	50	and	and	CCONJ
ajbmeb-3249	23	51	the	the	DET
ajbmeb-3249	23	52	rate	rate	NOUN
ajbmeb-3249	23	53	of	of	ADP
ajbmeb-3249	23	54	growth	growth	NOUN
ajbmeb-3249	23	55	of	of	ADP
ajbmeb-3249	23	56	interest	interest	NOUN
ajbmeb-3249	23	57	income	income	NOUN
ajbmeb-3249	23	58	received	receive	VERB
ajbmeb-3249	23	59	from	from	ADP
ajbmeb-3249	23	60	them	they	PRON
ajbmeb-3249	23	61	.	.	PUNCT
ajbmeb-3249	23	62	"	"	PUNCT
ajbmeb-3249	24	1	[	[	X
ajbmeb-3249	24	2	6	6	NUM
ajbmeb-3249	24	3	]	]	PUNCT
ajbmeb-3249	24	4	the	the	DET
ajbmeb-3249	24	5	scientific	scientific	ADJ
ajbmeb-3249	24	6	innovation	innovation	NOUN
ajbmeb-3249	24	7	proposed	propose	VERB
ajbmeb-3249	24	8	by	by	ADP
ajbmeb-3249	24	9	the	the	DET
ajbmeb-3249	24	10	aforementioned	aforementioned	ADJ
ajbmeb-3249	24	11	economist	economist	NOUN
ajbmeb-3249	24	12	is	be	AUX
ajbmeb-3249	24	13	relevant	relevant	ADJ
ajbmeb-3249	24	14	for	for	ADP
ajbmeb-3249	24	15	the	the	DET
ajbmeb-3249	24	16	banking	banking	NOUN
ajbmeb-3249	24	17	system	system	NOUN
ajbmeb-3249	24	18	of	of	ADP
ajbmeb-3249	24	19	the	the	DET
ajbmeb-3249	24	20	republic	republic	NOUN
ajbmeb-3249	24	21	of	of	ADP
ajbmeb-3249	24	22	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	24	23	.	.	PUNCT
ajbmeb-3249	25	1	currently	currently	ADV
ajbmeb-3249	25	2	,	,	PUNCT
ajbmeb-3249	25	3	the	the	DET
ajbmeb-3249	25	4	increasing	increase	VERB
ajbmeb-3249	25	5	share	share	NOUN
ajbmeb-3249	25	6	of	of	ADP
ajbmeb-3249	25	7	problem	problem	NOUN
ajbmeb-3249	25	8	loans	loan	NOUN
ajbmeb-3249	25	9	and	and	CCONJ
ajbmeb-3249	25	10	the	the	DET
ajbmeb-3249	25	11	reserves	reserve	NOUN
ajbmeb-3249	25	12	allocated	allocate	VERB
ajbmeb-3249	25	13	for	for	ADP
ajbmeb-3249	25	14	them	they	PRON
ajbmeb-3249	25	15	in	in	ADP
ajbmeb-3249	25	16	the	the	DET
ajbmeb-3249	25	17	banking	banking	NOUN
ajbmeb-3249	25	18	system	system	NOUN
ajbmeb-3249	25	19	creates	create	VERB
ajbmeb-3249	25	20	a	a	DET
ajbmeb-3249	25	21	problem	problem	NOUN
ajbmeb-3249	25	22	of	of	ADP
ajbmeb-3249	25	23	imbalanced	imbalanced	ADJ
ajbmeb-3249	25	24	liquidity	liquidity	NOUN
ajbmeb-3249	25	25	for	for	ADP
ajbmeb-3249	25	26	commercial	commercial	ADJ
ajbmeb-3249	25	27	banks	bank	NOUN
ajbmeb-3249	25	28	.	.	PUNCT
ajbmeb-3249	26	1	o.	o.	PROPN
ajbmeb-3249	26	2	sattarov	sattarov	PROPN
ajbmeb-3249	26	3	recognized	recognize	VERB
ajbmeb-3249	26	4	the	the	DET
ajbmeb-3249	26	5	improvement	improvement	NOUN
ajbmeb-3249	26	6	of	of	ADP
ajbmeb-3249	26	7	regulatory	regulatory	ADJ
ajbmeb-3249	26	8	requirements	requirement	NOUN
ajbmeb-3249	26	9	for	for	ADP
ajbmeb-3249	26	10	the	the	DET
ajbmeb-3249	26	11	liquidity	liquidity	NOUN
ajbmeb-3249	26	12	and	and	CCONJ
ajbmeb-3249	26	13	capital	capital	NOUN
ajbmeb-3249	26	14	adequacy	adequacy	NOUN
ajbmeb-3249	26	15	of	of	ADP
ajbmeb-3249	26	16	commercial	commercial	ADJ
ajbmeb-3249	26	17	banks	bank	NOUN
ajbmeb-3249	26	18	and	and	CCONJ
ajbmeb-3249	26	19	the	the	DET
ajbmeb-3249	26	20	methodology	methodology	NOUN
ajbmeb-3249	26	21	for	for	ADP
ajbmeb-3249	26	22	calculating	calculate	VERB
ajbmeb-3249	26	23	liquidity	liquidity	NOUN
ajbmeb-3249	26	24	standards	standard	NOUN
ajbmeb-3249	26	25	and	and	CCONJ
ajbmeb-3249	26	26	requirements	requirement	NOUN
ajbmeb-3249	26	27	as	as	ADP
ajbmeb-3249	26	28	necessary	necessary	ADJ
ajbmeb-3249	26	29	conditions	condition	NOUN
ajbmeb-3249	26	30	for	for	ADP
ajbmeb-3249	26	31	ensuring	ensure	VERB
ajbmeb-3249	26	32	the	the	DET
ajbmeb-3249	26	33	stability	stability	NOUN
ajbmeb-3249	26	34	of	of	ADP
ajbmeb-3249	26	35	the	the	DET
ajbmeb-3249	26	36	banking	banking	NOUN
ajbmeb-3249	26	37	system	system	NOUN
ajbmeb-3249	26	38	of	of	ADP
ajbmeb-3249	26	39	the	the	DET
ajbmeb-3249	26	40	republic	republic	NOUN
ajbmeb-3249	26	41	of	of	ADP
ajbmeb-3249	26	42	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	26	43	.	.	PUNCT
ajbmeb-3249	27	1	[	[	X
ajbmeb-3249	27	2	7	7	X
ajbmeb-3249	27	3	]	]	X
ajbmeb-3249	27	4	o.	o.	NOUN
ajbmeb-3249	27	5	sattarov	sattarov	PROPN
ajbmeb-3249	27	6	's	's	PART
ajbmeb-3249	27	7	conclusion	conclusion	NOUN
ajbmeb-3249	27	8	is	be	AUX
ajbmeb-3249	27	9	of	of	ADP
ajbmeb-3249	27	10	practical	practical	ADJ
ajbmeb-3249	27	11	significance	significance	NOUN
ajbmeb-3249	27	12	in	in	ADP
ajbmeb-3249	27	13	terms	term	NOUN
ajbmeb-3249	27	14	of	of	ADP
ajbmeb-3249	27	15	ensuring	ensure	VERB
ajbmeb-3249	27	16	the	the	DET
ajbmeb-3249	27	17	competitiveness	competitiveness	NOUN
ajbmeb-3249	27	18	of	of	ADP
ajbmeb-3249	27	19	commercial	commercial	ADJ
ajbmeb-3249	27	20	banks	bank	NOUN
ajbmeb-3249	27	21	in	in	ADP
ajbmeb-3249	27	22	our	our	PRON
ajbmeb-3249	27	23	country	country	NOUN
ajbmeb-3249	27	24	.	.	PUNCT
ajbmeb-3249	28	1	this	this	PRON
ajbmeb-3249	28	2	is	be	AUX
ajbmeb-3249	28	3	due	due	ADJ
ajbmeb-3249	28	4	,	,	PUNCT
ajbmeb-3249	28	5	firstly	firstly	ADV
ajbmeb-3249	28	6	,	,	PUNCT
ajbmeb-3249	28	7	to	to	ADP
ajbmeb-3249	28	8	the	the	DET
ajbmeb-3249	28	9	introduction	introduction	NOUN
ajbmeb-3249	28	10	of	of	ADP
ajbmeb-3249	28	11	new	new	ADJ
ajbmeb-3249	28	12	basel	basel	PROPN
ajbmeb-3249	28	13	committee	committee	PROPN
ajbmeb-3249	28	14	requirements	requirement	NOUN
ajbmeb-3249	28	15	on	on	ADP
ajbmeb-3249	28	16	liquidity	liquidity	NOUN
ajbmeb-3249	28	17	and	and	CCONJ
ajbmeb-3249	28	18	capital	capital	NOUN
ajbmeb-3249	28	19	adequacy	adequacy	NOUN
ajbmeb-3249	28	20	for	for	ADP
ajbmeb-3249	28	21	commercial	commercial	ADJ
ajbmeb-3249	28	22	banks	bank	NOUN
ajbmeb-3249	28	23	(	(	PUNCT
ajbmeb-3249	28	24	liquidity	liquidity	NOUN
ajbmeb-3249	28	25	coverage	coverage	NOUN
ajbmeb-3249	28	26	ratio	ratio	NOUN
ajbmeb-3249	28	27	,	,	PUNCT
ajbmeb-3249	28	28	net	net	ADJ
ajbmeb-3249	28	29	stable	stable	ADJ
ajbmeb-3249	28	30	funding	funding	NOUN
ajbmeb-3249	28	31	ratio	ratio	NOUN
ajbmeb-3249	28	32	requirements	requirement	NOUN
ajbmeb-3249	28	33	,	,	PUNCT
ajbmeb-3249	28	34	regulatory	regulatory	ADJ
ajbmeb-3249	28	35	capital	capital	NOUN
ajbmeb-3249	28	36	adequacy	adequacy	NOUN
ajbmeb-3249	28	37	,	,	PUNCT
ajbmeb-3249	28	38	tier	tier	NOUN
ajbmeb-3249	28	39	1	1	NUM
ajbmeb-3249	28	40	capital	capital	NOUN
ajbmeb-3249	28	41	adequacy	adequacy	NOUN
ajbmeb-3249	28	42	,	,	PUNCT
ajbmeb-3249	28	43	and	and	CCONJ
ajbmeb-3249	28	44	tier	tier	NOUN
ajbmeb-3249	28	45	1	1	NUM
ajbmeb-3249	28	46	common	common	ADJ
ajbmeb-3249	28	47	capital	capital	NOUN
ajbmeb-3249	28	48	requirements	requirement	NOUN
ajbmeb-3249	28	49	)	)	PUNCT
ajbmeb-3249	28	50	into	into	ADP
ajbmeb-3249	28	51	the	the	DET
ajbmeb-3249	28	52	practice	practice	NOUN
ajbmeb-3249	28	53	of	of	ADP
ajbmeb-3249	28	54	banking	banking	NOUN
ajbmeb-3249	28	55	supervision	supervision	NOUN
ajbmeb-3249	28	56	in	in	ADP
ajbmeb-3249	28	57	the	the	DET
ajbmeb-3249	28	58	republic	republic	NOUN
ajbmeb-3249	28	59	of	of	ADP
ajbmeb-3249	28	60	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	28	61	.	.	PUNCT
ajbmeb-3249	29	1	secondly	secondly	ADV
ajbmeb-3249	29	2	,	,	PUNCT
ajbmeb-3249	29	3	some	some	DET
ajbmeb-3249	29	4	basel	basel	PROPN
ajbmeb-3249	29	5	committee	committee	PROPN
ajbmeb-3249	29	6	requirements	requirement	NOUN
ajbmeb-3249	29	7	were	be	AUX
ajbmeb-3249	29	8	introduced	introduce	VERB
ajbmeb-3249	29	9	without	without	ADP
ajbmeb-3249	29	10	sufficient	sufficient	ADJ
ajbmeb-3249	29	11	consideration	consideration	NOUN
ajbmeb-3249	29	12	of	of	ADP
ajbmeb-3249	29	13	the	the	DET
ajbmeb-3249	29	14	current	current	ADJ
ajbmeb-3249	29	15	situation	situation	NOUN
ajbmeb-3249	29	16	of	of	ADP
ajbmeb-3249	29	17	commercial	commercial	ADJ
ajbmeb-3249	29	18	banks	bank	NOUN
ajbmeb-3249	29	19	in	in	ADP
ajbmeb-3249	29	20	our	our	PRON
ajbmeb-3249	29	21	country	country	NOUN
ajbmeb-3249	29	22	.	.	PUNCT
ajbmeb-3249	30	1	for	for	ADP
ajbmeb-3249	30	2	example	example	NOUN
ajbmeb-3249	30	3	,	,	PUNCT
ajbmeb-3249	30	4	the	the	DET
ajbmeb-3249	30	5	regulatory	regulatory	ADJ
ajbmeb-3249	30	6	requirement	requirement	NOUN
ajbmeb-3249	30	7	for	for	ADP
ajbmeb-3249	30	8	the	the	DET
ajbmeb-3249	30	9	net	net	ADJ
ajbmeb-3249	30	10	stable	stable	ADJ
ajbmeb-3249	30	11	funding	funding	NOUN
ajbmeb-3249	30	12	ratio	ratio	NOUN
ajbmeb-3249	30	13	is	be	AUX
ajbmeb-3249	30	14	set	set	VERB
ajbmeb-3249	30	15	at	at	ADP
ajbmeb-3249	30	16	100	100	NUM
ajbmeb-3249	30	17	%	%	NOUN
ajbmeb-3249	30	18	,	,	PUNCT
ajbmeb-3249	30	19	as	as	SCONJ
ajbmeb-3249	30	20	stated	state	VERB
ajbmeb-3249	30	21	in	in	ADP
ajbmeb-3249	30	22	the	the	DET
ajbmeb-3249	30	23	basel	basel	PROPN
ajbmeb-3249	30	24	committee	committee	PROPN
ajbmeb-3249	30	25	recommendation	recommendation	NOUN
ajbmeb-3249	30	26	.	.	PUNCT
ajbmeb-3249	31	1	however	however	ADV
ajbmeb-3249	31	2	,	,	PUNCT
ajbmeb-3249	31	3	due	due	ADP
ajbmeb-3249	31	4	to	to	ADP
ajbmeb-3249	31	5	the	the	DET
ajbmeb-3249	31	6	serious	serious	ADJ
ajbmeb-3249	31	7	problem	problem	NOUN
ajbmeb-3249	31	8	of	of	ADP
ajbmeb-3249	31	9	liquidity	liquidity	NOUN
ajbmeb-3249	31	10	risk	risk	NOUN
ajbmeb-3249	31	11	in	in	ADP
ajbmeb-3249	31	12	large	large	ADJ
ajbmeb-3249	31	13	commercial	commercial	ADJ
ajbmeb-3249	31	14	banks	bank	NOUN
ajbmeb-3249	31	15	in	in	ADP
ajbmeb-3249	31	16	our	our	PRON
ajbmeb-3249	31	17	country	country	NOUN
ajbmeb-3249	31	18	,	,	PUNCT
ajbmeb-3249	31	19	they	they	PRON
ajbmeb-3249	31	20	are	be	AUX
ajbmeb-3249	31	21	experiencing	experience	VERB
ajbmeb-3249	31	22	difficulties	difficulty	NOUN
ajbmeb-3249	31	23	in	in	ADP
ajbmeb-3249	31	24	complying	comply	VERB
ajbmeb-3249	31	25	with	with	ADP
ajbmeb-3249	31	26	this	this	DET
ajbmeb-3249	31	27	regulatory	regulatory	ADJ
ajbmeb-3249	31	28	requirement	requirement	NOUN
ajbmeb-3249	31	29	.	.	PUNCT
ajbmeb-3249	32	1	american	american	PROPN
ajbmeb-3249	32	2	journal	journal	PROPN
ajbmeb-3249	32	3	of	of	ADP
ajbmeb-3249	32	4	business	business	NOUN
ajbmeb-3249	32	5	management	management	NOUN
ajbmeb-3249	32	6	,	,	PUNCT
ajbmeb-3249	32	7	economics	economic	NOUN
ajbmeb-3249	32	8	and	and	CCONJ
ajbmeb-3249	32	9	banking	banking	NOUN
ajbmeb-3249	32	10	volume	volume	NOUN
ajbmeb-3249	32	11	43	43	NUM
ajbmeb-3249	33	1	december2025	december2025	PROPN
ajbmeb-3249	33	2	p	p	PROPN
ajbmeb-3249	33	3	a	a	DET
ajbmeb-3249	33	4	g	g	NOUN
ajbmeb-3249	33	5	e	e	NOUN
ajbmeb-3249	34	1	|	|	ADV
ajbmeb-3249	34	2	76	76	NUM
ajbmeb-3249	34	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3249	34	4	analysis	analysis	NOUN
ajbmeb-3249	34	5	and	and	CCONJ
ajbmeb-3249	34	6	results	result	VERB
ajbmeb-3249	34	7	large	large	ADJ
ajbmeb-3249	34	8	commercial	commercial	ADJ
ajbmeb-3249	34	9	banks	bank	NOUN
ajbmeb-3249	34	10	in	in	ADP
ajbmeb-3249	34	11	the	the	DET
ajbmeb-3249	34	12	republic	republic	NOUN
ajbmeb-3249	34	13	of	of	ADP
ajbmeb-3249	34	14	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	34	15	are	be	AUX
ajbmeb-3249	34	16	currently	currently	ADV
ajbmeb-3249	34	17	taking	take	VERB
ajbmeb-3249	34	18	measures	measure	NOUN
ajbmeb-3249	34	19	to	to	PART
ajbmeb-3249	34	20	ensure	ensure	VERB
ajbmeb-3249	34	21	a	a	DET
ajbmeb-3249	34	22	balance	balance	NOUN
ajbmeb-3249	34	23	between	between	ADP
ajbmeb-3249	34	24	their	their	PRON
ajbmeb-3249	34	25	assets	asset	NOUN
ajbmeb-3249	34	26	and	and	CCONJ
ajbmeb-3249	34	27	liabilities	liability	NOUN
ajbmeb-3249	34	28	,	,	PUNCT
ajbmeb-3249	34	29	as	as	ADV
ajbmeb-3249	34	30	well	well	ADV
ajbmeb-3249	34	31	as	as	ADP
ajbmeb-3249	34	32	to	to	PART
ajbmeb-3249	34	33	increase	increase	VERB
ajbmeb-3249	34	34	the	the	DET
ajbmeb-3249	34	35	share	share	NOUN
ajbmeb-3249	34	36	of	of	ADP
ajbmeb-3249	34	37	loans	loan	NOUN
ajbmeb-3249	34	38	in	in	ADP
ajbmeb-3249	34	39	bank	bank	NOUN
ajbmeb-3249	34	40	assets	asset	NOUN
ajbmeb-3249	34	41	relative	relative	ADJ
ajbmeb-3249	34	42	to	to	ADP
ajbmeb-3249	34	43	loan	loan	NOUN
ajbmeb-3249	34	44	income	income	NOUN
ajbmeb-3249	34	45	in	in	ADP
ajbmeb-3249	34	46	interest	interest	NOUN
ajbmeb-3249	34	47	income	income	NOUN
ajbmeb-3249	34	48	.	.	PUNCT
ajbmeb-3249	35	1	this	this	PRON
ajbmeb-3249	35	2	will	will	AUX
ajbmeb-3249	35	3	reduce	reduce	VERB
ajbmeb-3249	35	4	liquidity	liquidity	NOUN
ajbmeb-3249	35	5	risk	risk	NOUN
ajbmeb-3249	35	6	at	at	ADP
ajbmeb-3249	35	7	banks	bank	NOUN
ajbmeb-3249	35	8	.	.	PUNCT
ajbmeb-3249	36	1	transformation	transformation	NOUN
ajbmeb-3249	36	2	risks	risk	NOUN
ajbmeb-3249	36	3	at	at	ADP
ajbmeb-3249	36	4	a	a	DET
ajbmeb-3249	36	5	bank	bank	NOUN
ajbmeb-3249	36	6	are	be	AUX
ajbmeb-3249	36	7	risks	risk	NOUN
ajbmeb-3249	36	8	arising	arise	VERB
ajbmeb-3249	36	9	from	from	ADP
ajbmeb-3249	36	10	the	the	DET
ajbmeb-3249	36	11	transformation	transformation	NOUN
ajbmeb-3249	36	12	of	of	ADP
ajbmeb-3249	36	13	assets	asset	NOUN
ajbmeb-3249	36	14	and	and	CCONJ
ajbmeb-3249	36	15	liabilities	liability	NOUN
ajbmeb-3249	36	16	,	,	PUNCT
ajbmeb-3249	36	17	primarily	primarily	ADV
ajbmeb-3249	36	18	related	relate	VERB
ajbmeb-3249	36	19	to	to	ADP
ajbmeb-3249	36	20	maturity	maturity	NOUN
ajbmeb-3249	36	21	mismatches	mismatch	NOUN
ajbmeb-3249	36	22	(	(	PUNCT
ajbmeb-3249	36	23	e.g.	e.g.	ADV
ajbmeb-3249	36	24	,	,	PUNCT
ajbmeb-3249	36	25	short	short	ADJ
ajbmeb-3249	36	26	-	-	PUNCT
ajbmeb-3249	36	27	term	term	NOUN
ajbmeb-3249	36	28	deposits	deposit	NOUN
ajbmeb-3249	36	29	funding	fund	VERB
ajbmeb-3249	36	30	long	long	ADJ
ajbmeb-3249	36	31	-	-	PUNCT
ajbmeb-3249	36	32	term	term	NOUN
ajbmeb-3249	36	33	loans	loan	NOUN
ajbmeb-3249	36	34	)	)	PUNCT
ajbmeb-3249	36	35	,	,	PUNCT
ajbmeb-3249	36	36	leading	lead	VERB
ajbmeb-3249	36	37	to	to	ADP
ajbmeb-3249	36	38	liquidity	liquidity	NOUN
ajbmeb-3249	36	39	and	and	CCONJ
ajbmeb-3249	36	40	interest	interest	NOUN
ajbmeb-3249	36	41	rate	rate	NOUN
ajbmeb-3249	36	42	risks	risk	NOUN
ajbmeb-3249	36	43	.	.	PUNCT
ajbmeb-3249	37	1	these	these	DET
ajbmeb-3249	37	2	risks	risk	NOUN
ajbmeb-3249	37	3	may	may	AUX
ajbmeb-3249	37	4	also	also	ADV
ajbmeb-3249	37	5	include	include	VERB
ajbmeb-3249	37	6	risks	risk	NOUN
ajbmeb-3249	37	7	associated	associate	VERB
ajbmeb-3249	37	8	with	with	ADP
ajbmeb-3249	37	9	the	the	DET
ajbmeb-3249	37	10	transition	transition	NOUN
ajbmeb-3249	37	11	to	to	ADP
ajbmeb-3249	37	12	a	a	DET
ajbmeb-3249	37	13	new	new	ADJ
ajbmeb-3249	37	14	economy	economy	NOUN
ajbmeb-3249	37	15	(	(	PUNCT
ajbmeb-3249	37	16	e.g.	e.g.	ADV
ajbmeb-3249	37	17	,	,	PUNCT
ajbmeb-3249	37	18	climate	climate	NOUN
ajbmeb-3249	37	19	change	change	NOUN
ajbmeb-3249	37	20	)	)	PUNCT
ajbmeb-3249	37	21	.	.	PUNCT
ajbmeb-3249	38	1	these	these	DET
ajbmeb-3249	38	2	risks	risk	NOUN
ajbmeb-3249	38	3	affect	affect	VERB
ajbmeb-3249	38	4	the	the	DET
ajbmeb-3249	38	5	bank	bank	NOUN
ajbmeb-3249	38	6	's	's	PART
ajbmeb-3249	38	7	profits	profit	NOUN
ajbmeb-3249	38	8	and	and	CCONJ
ajbmeb-3249	38	9	capital	capital	NOUN
ajbmeb-3249	38	10	through	through	ADP
ajbmeb-3249	38	11	adverse	adverse	ADJ
ajbmeb-3249	38	12	changes	change	NOUN
ajbmeb-3249	38	13	in	in	ADP
ajbmeb-3249	38	14	interest	interest	NOUN
ajbmeb-3249	38	15	rates	rate	NOUN
ajbmeb-3249	38	16	and	and	CCONJ
ajbmeb-3249	38	17	the	the	DET
ajbmeb-3249	38	18	inability	inability	NOUN
ajbmeb-3249	38	19	to	to	PART
ajbmeb-3249	38	20	meet	meet	VERB
ajbmeb-3249	38	21	depositor	depositor	NOUN
ajbmeb-3249	38	22	demands	demand	NOUN
ajbmeb-3249	38	23	.	.	PUNCT
ajbmeb-3249	39	1	picture1	picture1	PROPN
ajbmeb-3249	39	2	shows	show	VERB
ajbmeb-3249	39	3	that	that	SCONJ
ajbmeb-3249	39	4	loans	loan	NOUN
ajbmeb-3249	39	5	constituted	constitute	VERB
ajbmeb-3249	39	6	a	a	DET
ajbmeb-3249	39	7	high	high	ADJ
ajbmeb-3249	39	8	share	share	NOUN
ajbmeb-3249	39	9	of	of	ADP
ajbmeb-3249	39	10	assets	asset	NOUN
ajbmeb-3249	39	11	in	in	ADP
ajbmeb-3249	39	12	the	the	DET
ajbmeb-3249	39	13	five	five	NUM
ajbmeb-3249	39	14	largest	large	ADJ
ajbmeb-3249	39	15	state	state	NOUN
ajbmeb-3249	39	16	-	-	PUNCT
ajbmeb-3249	39	17	owned	own	VERB
ajbmeb-3249	39	18	banks	bank	NOUN
ajbmeb-3249	39	19	of	of	ADP
ajbmeb-3249	39	20	the	the	DET
ajbmeb-3249	39	21	republic	republic	NOUN
ajbmeb-3249	39	22	of	of	ADP
ajbmeb-3249	39	23	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	39	24	during	during	ADP
ajbmeb-3249	39	25	the	the	DET
ajbmeb-3249	39	26	analyzed	analyze	VERB
ajbmeb-3249	39	27	period	period	NOUN
ajbmeb-3249	39	28	.	.	PUNCT
ajbmeb-3249	40	1	this	this	DET
ajbmeb-3249	40	2	figure	figure	NOUN
ajbmeb-3249	40	3	was	be	AUX
ajbmeb-3249	40	4	75.0	75.0	NUM
ajbmeb-3249	40	5	percentage	percentage	NOUN
ajbmeb-3249	40	6	points	point	NOUN
ajbmeb-3249	40	7	at	at	ADP
ajbmeb-3249	40	8	uzmiliya	uzmiliya	PROPN
ajbmeb-3249	40	9	bank	bank	PROPN
ajbmeb-3249	40	10	,	,	PUNCT
ajbmeb-3249	40	11	67.7	67.7	NUM
ajbmeb-3249	40	12	at	at	ADP
ajbmeb-3249	40	13	sanoatsqurilyshbank	sanoatsqurilyshbank	NOUN
ajbmeb-3249	40	14	,	,	PUNCT
ajbmeb-3249	40	15	67.1	67.1	NUM
ajbmeb-3249	40	16	at	at	ADP
ajbmeb-3249	40	17	asaka	asaka	PROPN
ajbmeb-3249	40	18	bank	bank	PROPN
ajbmeb-3249	40	19	,	,	PUNCT
ajbmeb-3249	40	20	62.7	62.7	NUM
ajbmeb-3249	40	21	at	at	ADP
ajbmeb-3249	40	22	khalgbank	khalgbank	NOUN
ajbmeb-3249	40	23	,	,	PUNCT
ajbmeb-3249	40	24	and	and	CCONJ
ajbmeb-3249	40	25	77.2	77.2	NUM
ajbmeb-3249	40	26	at	at	ADP
ajbmeb-3249	40	27	agrobank	agrobank	NOUN
ajbmeb-3249	40	28	.	.	PUNCT
ajbmeb-3249	41	1	accordingly	accordingly	ADV
ajbmeb-3249	41	2	,	,	PUNCT
ajbmeb-3249	41	3	the	the	DET
ajbmeb-3249	41	4	volume	volume	NOUN
ajbmeb-3249	41	5	of	of	ADP
ajbmeb-3249	41	6	bank	bank	NOUN
ajbmeb-3249	41	7	capital	capital	NOUN
ajbmeb-3249	41	8	and	and	CCONJ
ajbmeb-3249	41	9	deposits	deposit	NOUN
ajbmeb-3249	41	10	was	be	AUX
ajbmeb-3249	41	11	low	low	ADJ
ajbmeb-3249	41	12	.	.	PUNCT
ajbmeb-3249	42	1	this	this	PRON
ajbmeb-3249	42	2	is	be	AUX
ajbmeb-3249	42	3	a	a	DET
ajbmeb-3249	42	4	negative	negative	ADJ
ajbmeb-3249	42	5	situation	situation	NOUN
ajbmeb-3249	42	6	for	for	ADP
ajbmeb-3249	42	7	bank	bank	NOUN
ajbmeb-3249	42	8	liquidity	liquidity	NOUN
ajbmeb-3249	42	9	.	.	PUNCT
ajbmeb-3249	43	1	to	to	PART
ajbmeb-3249	43	2	address	address	VERB
ajbmeb-3249	43	3	these	these	DET
ajbmeb-3249	43	4	shortcomings	shortcoming	NOUN
ajbmeb-3249	43	5	,	,	PUNCT
ajbmeb-3249	43	6	it	it	PRON
ajbmeb-3249	43	7	is	be	AUX
ajbmeb-3249	43	8	necessary	necessary	ADJ
ajbmeb-3249	43	9	to	to	PART
ajbmeb-3249	43	10	achieve	achieve	VERB
ajbmeb-3249	43	11	deposit	deposit	NOUN
ajbmeb-3249	43	12	stability	stability	NOUN
ajbmeb-3249	43	13	by	by	ADP
ajbmeb-3249	43	14	developing	develop	VERB
ajbmeb-3249	43	15	securities	security	NOUN
ajbmeb-3249	43	16	transactions	transaction	NOUN
ajbmeb-3249	43	17	within	within	ADP
ajbmeb-3249	43	18	the	the	DET
ajbmeb-3249	43	19	bank	bank	NOUN
ajbmeb-3249	43	20	's	's	PART
ajbmeb-3249	43	21	asset	asset	NOUN
ajbmeb-3249	43	22	structure	structure	NOUN
ajbmeb-3249	43	23	and	and	CCONJ
ajbmeb-3249	43	24	increasing	increase	VERB
ajbmeb-3249	43	25	the	the	DET
ajbmeb-3249	43	26	banks	bank	NOUN
ajbmeb-3249	43	27	'	'	PART
ajbmeb-3249	43	28	investment	investment	NOUN
ajbmeb-3249	43	29	attractiveness	attractiveness	NOUN
ajbmeb-3249	43	30	.	.	PUNCT
ajbmeb-3249	44	1	picture	picture	NOUN
ajbmeb-3249	44	2	1	1	NUM
ajbmeb-3249	44	3	key	key	ADJ
ajbmeb-3249	44	4	indicators	indicator	NOUN
ajbmeb-3249	44	5	of	of	ADP
ajbmeb-3249	44	6	commercial	commercial	ADJ
ajbmeb-3249	44	7	banking	banking	NOUN
ajbmeb-3249	44	8	activity	activity	NOUN
ajbmeb-3249	44	9	(	(	PUNCT
ajbmeb-3249	44	10	billion	billion	NUM
ajbmeb-3249	44	11	soums	soum	NOUN
ajbmeb-3249	44	12	)	)	PUNCT
ajbmeb-3249	44	13	as	as	ADP
ajbmeb-3249	44	14	of	of	ADP
ajbmeb-3249	44	15	november	november	PROPN
ajbmeb-3249	44	16	1	1	NUM
ajbmeb-3249	44	17	,	,	PUNCT
ajbmeb-3249	44	18	2025	2025	NUM
ajbmeb-3249	44	19	[	[	X
ajbmeb-3249	44	20	8	8	NUM
ajbmeb-3249	44	21	]	]	SYM
ajbmeb-3249	44	22	picture	picture	NOUN
ajbmeb-3249	44	23	1	1	NUM
ajbmeb-3249	44	24	shows	show	VERB
ajbmeb-3249	44	25	that	that	SCONJ
ajbmeb-3249	44	26	loans	loan	NOUN
ajbmeb-3249	44	27	constituted	constitute	VERB
ajbmeb-3249	44	28	a	a	DET
ajbmeb-3249	44	29	high	high	ADJ
ajbmeb-3249	44	30	share	share	NOUN
ajbmeb-3249	44	31	of	of	ADP
ajbmeb-3249	44	32	assets	asset	NOUN
ajbmeb-3249	44	33	in	in	ADP
ajbmeb-3249	44	34	the	the	DET
ajbmeb-3249	44	35	five	five	NUM
ajbmeb-3249	44	36	largest	large	ADJ
ajbmeb-3249	44	37	state	state	NOUN
ajbmeb-3249	44	38	-	-	PUNCT
ajbmeb-3249	44	39	owned	own	VERB
ajbmeb-3249	44	40	banks	bank	NOUN
ajbmeb-3249	44	41	of	of	ADP
ajbmeb-3249	44	42	the	the	DET
ajbmeb-3249	44	43	republic	republic	NOUN
ajbmeb-3249	44	44	of	of	ADP
ajbmeb-3249	44	45	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	44	46	during	during	ADP
ajbmeb-3249	44	47	the	the	DET
ajbmeb-3249	44	48	analyzed	analyze	VERB
ajbmeb-3249	44	49	period	period	NOUN
ajbmeb-3249	44	50	.	.	PUNCT
ajbmeb-3249	45	1	this	this	DET
ajbmeb-3249	45	2	ratio	ratio	NOUN
ajbmeb-3249	45	3	was	be	AUX
ajbmeb-3249	45	4	75.0	75.0	NUM
ajbmeb-3249	45	5	at	at	ADP
ajbmeb-3249	45	6	uzmiliya	uzmiliya	PROPN
ajbmeb-3249	45	7	bank	bank	PROPN
ajbmeb-3249	45	8	,	,	PUNCT
ajbmeb-3249	45	9	67.7	67.7	NUM
ajbmeb-3249	45	10	at	at	ADP
ajbmeb-3249	45	11	sanoatsqurilyshbank	sanoatsqurilyshbank	NOUN
ajbmeb-3249	45	12	,	,	PUNCT
ajbmeb-3249	45	13	67.1	67.1	NUM
ajbmeb-3249	45	14	at	at	ADP
ajbmeb-3249	45	15	asaka	asaka	PROPN
ajbmeb-3249	45	16	bank	bank	PROPN
ajbmeb-3249	45	17	,	,	PUNCT
ajbmeb-3249	45	18	62.7	62.7	NUM
ajbmeb-3249	45	19	at	at	ADP
ajbmeb-3249	45	20	xalqbank	xalqbank	ADV
ajbmeb-3249	45	21	,	,	PUNCT
ajbmeb-3249	45	22	and	and	CCONJ
ajbmeb-3249	45	23	77.2	77.2	NUM
ajbmeb-3249	45	24	at	at	ADP
ajbmeb-3249	45	25	agrobank	agrobank	NOUN
ajbmeb-3249	45	26	.	.	PUNCT
ajbmeb-3249	46	1	accordingly	accordingly	ADV
ajbmeb-3249	46	2	,	,	PUNCT
ajbmeb-3249	46	3	the	the	DET
ajbmeb-3249	46	4	volume	volume	NOUN
ajbmeb-3249	46	5	of	of	ADP
ajbmeb-3249	46	6	bank	bank	NOUN
ajbmeb-3249	46	7	capital	capital	NOUN
ajbmeb-3249	46	8	and	and	CCONJ
ajbmeb-3249	46	9	deposits	deposit	NOUN
ajbmeb-3249	46	10	was	be	AUX
ajbmeb-3249	46	11	low	low	ADJ
ajbmeb-3249	46	12	.	.	PUNCT
ajbmeb-3249	47	1	this	this	PRON
ajbmeb-3249	47	2	is	be	AUX
ajbmeb-3249	47	3	a	a	DET
ajbmeb-3249	47	4	negative	negative	ADJ
ajbmeb-3249	47	5	situation	situation	NOUN
ajbmeb-3249	47	6	in	in	ADP
ajbmeb-3249	47	7	terms	term	NOUN
ajbmeb-3249	47	8	of	of	ADP
ajbmeb-3249	47	9	ensuring	ensure	VERB
ajbmeb-3249	47	10	bank	bank	NOUN
ajbmeb-3249	47	11	liquidity	liquidity	NOUN
ajbmeb-3249	47	12	.	.	PUNCT
ajbmeb-3249	48	1	to	to	PART
ajbmeb-3249	48	2	address	address	VERB
ajbmeb-3249	48	3	these	these	DET
ajbmeb-3249	48	4	shortcomings	shortcoming	NOUN
ajbmeb-3249	48	5	,	,	PUNCT
ajbmeb-3249	48	6	it	it	PRON
ajbmeb-3249	48	7	is	be	AUX
ajbmeb-3249	48	8	necessary	necessary	ADJ
ajbmeb-3249	48	9	to	to	PART
ajbmeb-3249	48	10	achieve	achieve	VERB
ajbmeb-3249	48	11	deposit	deposit	NOUN
ajbmeb-3249	48	12	stability	stability	NOUN
ajbmeb-3249	48	13	by	by	ADP
ajbmeb-3249	48	14	developing	develop	VERB
ajbmeb-3249	48	15	securities	security	NOUN
ajbmeb-3249	48	16	transactions	transaction	NOUN
ajbmeb-3249	48	17	in	in	ADP
ajbmeb-3249	48	18	the	the	DET
ajbmeb-3249	48	19	bank	bank	NOUN
ajbmeb-3249	48	20	's	's	PART
ajbmeb-3249	48	21	asset	asset	NOUN
ajbmeb-3249	48	22	structure	structure	NOUN
ajbmeb-3249	48	23	and	and	CCONJ
ajbmeb-3249	48	24	increasing	increase	VERB
ajbmeb-3249	48	25	the	the	DET
ajbmeb-3249	48	26	bank	bank	NOUN
ajbmeb-3249	48	27	's	's	PART
ajbmeb-3249	48	28	investment	investment	NOUN
ajbmeb-3249	48	29	attractiveness	attractiveness	NOUN
ajbmeb-3249	48	30	.	.	PUNCT
ajbmeb-3249	49	1	1,37,225	1,37,225	NUM
ajbmeb-3249	49	2	1,04,785	1,04,785	NUM
ajbmeb-3249	49	3	19,635	19,635	NUM
ajbmeb-3249	49	4	47,788	47,788	NUM
ajbmeb-3249	49	5	98,087	98,087	NUM
ajbmeb-3249	49	6	66,395	66,395	NUM
ajbmeb-3249	49	7	11,507	11,507	NUM
ajbmeb-3249	49	8	26,078	26,078	NUM
ajbmeb-3249	49	9	63,208	63,208	NUM
ajbmeb-3249	49	10	42,383	42,383	NUM
ajbmeb-3249	49	11	8,166	8,166	NUM
ajbmeb-3249	49	12	21,253	21,253	NUM
ajbmeb-3249	49	13	51,416	51,416	NUM
ajbmeb-3249	49	14	32,240	32,240	NUM
ajbmeb-3249	49	15	10,305	10,305	NUM
ajbmeb-3249	49	16	26,344	26,344	NUM
ajbmeb-3249	49	17	1,03,707	1,03,707	NUM
ajbmeb-3249	49	18	80,061	80,061	NUM
ajbmeb-3249	49	19	13,718	13,718	NUM
ajbmeb-3249	50	1	29,729	29,729	NUM
ajbmeb-3249	50	2	0	0	NUM
ajbmeb-3249	50	3	20,000	20,000	NUM
ajbmeb-3249	50	4	40,000	40,000	NUM
ajbmeb-3249	50	5	60,000	60,000	NUM
ajbmeb-3249	50	6	80,000	80,000	NUM
ajbmeb-3249	50	7	1,00,000	1,00,000	NUM
ajbmeb-3249	50	8	1,20,000	1,20,000	NUM
ajbmeb-3249	50	9	1,40,000	1,40,000	NUM
ajbmeb-3249	50	10	1,60,000	1,60,000	NUM
ajbmeb-3249	50	11	assets	asset	NOUN
ajbmeb-3249	50	12	credit	credit	NOUN
ajbmeb-3249	50	13	capital	capital	NOUN
ajbmeb-3249	50	14	deposit	deposit	PROPN
ajbmeb-3249	50	15	uzmilliybank	uzmilliybank	PROPN
ajbmeb-3249	50	16	sanoatkurilishbank	sanoatkurilishbank	PROPN
ajbmeb-3249	50	17	asaka	asaka	PROPN
ajbmeb-3249	50	18	bank	bank	PROPN
ajbmeb-3249	50	19	xalq	xalq	PROPN
ajbmeb-3249	50	20	bank	bank	PROPN
ajbmeb-3249	50	21	agrobank	agrobank	PROPN
ajbmeb-3249	50	22	american	american	PROPN
ajbmeb-3249	50	23	journal	journal	PROPN
ajbmeb-3249	50	24	of	of	ADP
ajbmeb-3249	50	25	business	business	NOUN
ajbmeb-3249	50	26	management	management	NOUN
ajbmeb-3249	50	27	,	,	PUNCT
ajbmeb-3249	50	28	economics	economic	NOUN
ajbmeb-3249	50	29	and	and	CCONJ
ajbmeb-3249	50	30	banking	banking	NOUN
ajbmeb-3249	50	31	volume	volume	NOUN
ajbmeb-3249	50	32	43	43	NUM
ajbmeb-3249	51	1	december2025	december2025	PROPN
ajbmeb-3249	51	2	p	p	PROPN
ajbmeb-3249	51	3	a	a	DET
ajbmeb-3249	51	4	g	g	NOUN
ajbmeb-3249	51	5	e	e	NOUN
ajbmeb-3249	52	1	|	|	ADV
ajbmeb-3249	52	2	77	77	NUM
ajbmeb-3249	52	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3249	52	4	according	accord	VERB
ajbmeb-3249	52	5	to	to	ADP
ajbmeb-3249	52	6	the	the	DET
ajbmeb-3249	52	7	recommendations	recommendation	NOUN
ajbmeb-3249	52	8	of	of	ADP
ajbmeb-3249	52	9	the	the	DET
ajbmeb-3249	52	10	international	international	ADJ
ajbmeb-3249	52	11	basel	basel	PROPN
ajbmeb-3249	52	12	committee	committee	PROPN
ajbmeb-3249	52	13	,	,	PUNCT
ajbmeb-3249	52	14	a	a	DET
ajbmeb-3249	52	15	high	high	ADJ
ajbmeb-3249	52	16	share	share	NOUN
ajbmeb-3249	52	17	of	of	ADP
ajbmeb-3249	52	18	capital	capital	NOUN
ajbmeb-3249	52	19	in	in	ADP
ajbmeb-3249	52	20	commercial	commercial	ADJ
ajbmeb-3249	52	21	banks	bank	NOUN
ajbmeb-3249	52	22	'	'	PART
ajbmeb-3249	52	23	liabilities	liability	NOUN
ajbmeb-3249	52	24	is	be	AUX
ajbmeb-3249	52	25	considered	consider	VERB
ajbmeb-3249	52	26	a	a	DET
ajbmeb-3249	52	27	positive	positive	ADJ
ajbmeb-3249	52	28	situation	situation	NOUN
ajbmeb-3249	52	29	in	in	ADP
ajbmeb-3249	52	30	terms	term	NOUN
ajbmeb-3249	52	31	of	of	ADP
ajbmeb-3249	52	32	ensuring	ensure	VERB
ajbmeb-3249	52	33	financial	financial	ADJ
ajbmeb-3249	52	34	stability	stability	NOUN
ajbmeb-3249	52	35	and	and	CCONJ
ajbmeb-3249	52	36	liquidity	liquidity	NOUN
ajbmeb-3249	52	37	.	.	PUNCT
ajbmeb-3249	53	1	1	1	NUM
ajbmeb-3249	53	2	-	-	PUNCT
ajbmeb-3249	53	3	table	table	NOUN
ajbmeb-3249	53	4	commercial	commercial	ADJ
ajbmeb-3249	53	5	banks	bank	NOUN
ajbmeb-3249	53	6	'	'	PART
ajbmeb-3249	53	7	loan	loan	NOUN
ajbmeb-3249	53	8	portfolio	portfolio	NOUN
ajbmeb-3249	53	9	and	and	CCONJ
ajbmeb-3249	53	10	the	the	DET
ajbmeb-3249	53	11	share	share	NOUN
ajbmeb-3249	53	12	of	of	ADP
ajbmeb-3249	53	13	problem	problem	NOUN
ajbmeb-3249	53	14	loans	loan	NOUN
ajbmeb-3249	53	15	in	in	ADP
ajbmeb-3249	53	16	them	they	PRON
ajbmeb-3249	53	17	.	.	PUNCT
ajbmeb-3249	54	1	(	(	PUNCT
ajbmeb-3249	54	2	november	november	PROPN
ajbmeb-3249	54	3	1	1	NUM
ajbmeb-3249	54	4	,	,	PUNCT
ajbmeb-3249	54	5	2025	2025	NUM
ajbmeb-3249	54	6	)	)	PUNCT
ajbmeb-3249	55	1	[	[	X
ajbmeb-3249	55	2	9	9	NUM
ajbmeb-3249	55	3	]	]	SYM
ajbmeb-3249	55	4	bank`s	bank`s	NOUN
ajbmeb-3249	55	5	name	name	NOUN
ajbmeb-3249	55	6	loan	loan	NOUN
ajbmeb-3249	55	7	portfolio	portfolio	NOUN
ajbmeb-3249	55	8	(	(	PUNCT
ajbmeb-3249	55	9	billions	billion	NOUN
ajbmeb-3249	55	10	of	of	ADP
ajbmeb-3249	55	11	soums	soum	NOUN
ajbmeb-3249	55	12	)	)	PUNCT
ajbmeb-3249	55	13	non	non	ADJ
ajbmeb-3249	55	14	-	-	ADJ
ajbmeb-3249	55	15	performing	performing	ADJ
ajbmeb-3249	55	16	loans	loan	NOUN
ajbmeb-3249	55	17	(	(	PUNCT
ajbmeb-3249	55	18	npl	npl	NOUN
ajbmeb-3249	55	19	)	)	PUNCT
ajbmeb-3249	55	20	(	(	PUNCT
ajbmeb-3249	55	21	billion	billion	NUM
ajbmeb-3249	55	22	soums	soum	NOUN
ajbmeb-3249	55	23	)	)	PUNCT
ajbmeb-3249	55	24	non	non	ADJ
ajbmeb-3249	55	25	-	-	ADJ
ajbmeb-3249	55	26	performing	performing	ADJ
ajbmeb-3249	55	27	loans	loan	NOUN
ajbmeb-3249	55	28	(	(	PUNCT
ajbmeb-3249	55	29	%	%	INTJ
ajbmeb-3249	55	30	)	)	PUNCT
ajbmeb-3249	55	31	uzmilliybank	uzmilliybank	NOUN
ajbmeb-3249	55	32	104	104	NUM
ajbmeb-3249	55	33	785	785	NUM
ajbmeb-3249	55	34	4	4	NUM
ajbmeb-3249	55	35	359	359	NUM
ajbmeb-3249	55	36	4,2	4,2	NUM
ajbmeb-3249	55	37	sanoatkurilishbank	sanoatkurilishbank	VERB
ajbmeb-3249	55	38	66	66	NUM
ajbmeb-3249	55	39	395	395	NUM
ajbmeb-3249	55	40	2	2	NUM
ajbmeb-3249	55	41	212	212	NUM
ajbmeb-3249	55	42	3,3	3,3	NUM
ajbmeb-3249	55	43	asaka	asaka	NOUN
ajbmeb-3249	55	44	bank	bank	NOUN
ajbmeb-3249	55	45	42	42	NUM
ajbmeb-3249	55	46	383	383	NUM
ajbmeb-3249	55	47	1	1	NUM
ajbmeb-3249	55	48	993	993	NUM
ajbmeb-3249	55	49	4,7	4,7	NUM
ajbmeb-3249	55	50	xalq	xalq	PROPN
ajbmeb-3249	55	51	bank	bank	PROPN
ajbmeb-3249	55	52	32	32	NUM
ajbmeb-3249	55	53	240	240	NUM
ajbmeb-3249	55	54	1	1	NUM
ajbmeb-3249	55	55	133	133	NUM
ajbmeb-3249	55	56	3,5	3,5	NUM
ajbmeb-3249	55	57	agrobank	agrobank	NOUN
ajbmeb-3249	55	58	80	80	NUM
ajbmeb-3249	55	59	061	061	NUM
ajbmeb-3249	55	60	2	2	NUM
ajbmeb-3249	55	61	886	886	NUM
ajbmeb-3249	55	62	3,6	3,6	NUM
ajbmeb-3249	55	63	table	table	NOUN
ajbmeb-3249	55	64	1	1	NUM
ajbmeb-3249	55	65	shows	show	VERB
ajbmeb-3249	55	66	that	that	PRON
ajbmeb-3249	55	67	uzmilliyabank	uzmilliyabank	NOUN
ajbmeb-3249	55	68	and	and	CCONJ
ajbmeb-3249	55	69	asaka	asaka	PROPN
ajbmeb-3249	55	70	bank	bank	PROPN
ajbmeb-3249	55	71	had	have	VERB
ajbmeb-3249	55	72	a	a	DET
ajbmeb-3249	55	73	high	high	ADJ
ajbmeb-3249	55	74	percentage	percentage	NOUN
ajbmeb-3249	55	75	of	of	ADP
ajbmeb-3249	55	76	non	non	ADJ
ajbmeb-3249	55	77	-	-	ADJ
ajbmeb-3249	55	78	performing	performing	ADJ
ajbmeb-3249	55	79	loans	loan	NOUN
ajbmeb-3249	55	80	during	during	ADP
ajbmeb-3249	55	81	the	the	DET
ajbmeb-3249	55	82	analyzed	analyze	VERB
ajbmeb-3249	55	83	period	period	NOUN
ajbmeb-3249	55	84	.	.	PUNCT
ajbmeb-3249	56	1	this	this	PRON
ajbmeb-3249	56	2	is	be	AUX
ajbmeb-3249	56	3	a	a	DET
ajbmeb-3249	56	4	negative	negative	ADJ
ajbmeb-3249	56	5	situation	situation	NOUN
ajbmeb-3249	56	6	for	for	ADP
ajbmeb-3249	56	7	commercial	commercial	ADJ
ajbmeb-3249	56	8	banks	bank	NOUN
ajbmeb-3249	56	9	'	'	PART
ajbmeb-3249	56	10	liquidity	liquidity	NOUN
ajbmeb-3249	56	11	.	.	PUNCT
ajbmeb-3249	57	1	according	accord	VERB
ajbmeb-3249	57	2	to	to	ADP
ajbmeb-3249	57	3	international	international	ADJ
ajbmeb-3249	57	4	standards	standard	NOUN
ajbmeb-3249	57	5	,	,	PUNCT
ajbmeb-3249	57	6	the	the	DET
ajbmeb-3249	57	7	normal	normal	ADJ
ajbmeb-3249	57	8	level	level	NOUN
ajbmeb-3249	57	9	of	of	ADP
ajbmeb-3249	57	10	non	non	ADJ
ajbmeb-3249	57	11	-	-	ADJ
ajbmeb-3249	57	12	performing	performing	ADJ
ajbmeb-3249	57	13	loans	loan	NOUN
ajbmeb-3249	57	14	in	in	ADP
ajbmeb-3249	57	15	a	a	DET
ajbmeb-3249	57	16	bank	bank	NOUN
ajbmeb-3249	57	17	's	's	PART
ajbmeb-3249	57	18	loan	loan	NOUN
ajbmeb-3249	57	19	portfolio	portfolio	NOUN
ajbmeb-3249	57	20	is	be	AUX
ajbmeb-3249	57	21	defined	define	VERB
ajbmeb-3249	57	22	as	as	ADP
ajbmeb-3249	57	23	no	no	DET
ajbmeb-3249	57	24	more	more	ADJ
ajbmeb-3249	57	25	than	than	ADP
ajbmeb-3249	57	26	3	3	NUM
ajbmeb-3249	57	27	%	%	NOUN
ajbmeb-3249	57	28	,	,	PUNCT
ajbmeb-3249	57	29	and	and	CCONJ
ajbmeb-3249	57	30	the	the	DET
ajbmeb-3249	57	31	acceptable	acceptable	ADJ
ajbmeb-3249	57	32	level	level	NOUN
ajbmeb-3249	57	33	should	should	AUX
ajbmeb-3249	57	34	not	not	PART
ajbmeb-3249	57	35	exceed	exceed	VERB
ajbmeb-3249	57	36	5	5	NUM
ajbmeb-3249	57	37	%	%	NOUN
ajbmeb-3249	57	38	.	.	PUNCT
ajbmeb-3249	58	1	conclusions	conclusion	NOUN
ajbmeb-3249	58	2	and	and	CCONJ
ajbmeb-3249	58	3	suggestions	suggestion	NOUN
ajbmeb-3249	58	4	as	as	ADP
ajbmeb-3249	58	5	a	a	DET
ajbmeb-3249	58	6	result	result	NOUN
ajbmeb-3249	58	7	of	of	ADP
ajbmeb-3249	58	8	our	our	PRON
ajbmeb-3249	58	9	study	study	NOUN
ajbmeb-3249	58	10	,	,	PUNCT
ajbmeb-3249	58	11	we	we	PRON
ajbmeb-3249	58	12	reached	reach	VERB
ajbmeb-3249	58	13	the	the	DET
ajbmeb-3249	58	14	following	follow	VERB
ajbmeb-3249	58	15	conclusions	conclusion	NOUN
ajbmeb-3249	58	16	:	:	PUNCT
ajbmeb-3249	58	17	*	*	PUNCT
ajbmeb-3249	58	18	proper	proper	ADJ
ajbmeb-3249	58	19	organization	organization	NOUN
ajbmeb-3249	58	20	of	of	ADP
ajbmeb-3249	58	21	loan	loan	NOUN
ajbmeb-3249	58	22	distribution	distribution	NOUN
ajbmeb-3249	58	23	by	by	ADP
ajbmeb-3249	58	24	commercial	commercial	ADJ
ajbmeb-3249	58	25	banks	bank	NOUN
ajbmeb-3249	58	26	,	,	PUNCT
ajbmeb-3249	58	27	proportionate	proportionate	ADJ
ajbmeb-3249	58	28	to	to	ADP
ajbmeb-3249	58	29	the	the	DET
ajbmeb-3249	58	30	maturity	maturity	NOUN
ajbmeb-3249	58	31	of	of	ADP
ajbmeb-3249	58	32	their	their	PRON
ajbmeb-3249	58	33	obligations	obligation	NOUN
ajbmeb-3249	58	34	and	and	CCONJ
ajbmeb-3249	58	35	needs	need	NOUN
ajbmeb-3249	58	36	,	,	PUNCT
ajbmeb-3249	58	37	is	be	AUX
ajbmeb-3249	58	38	an	an	DET
ajbmeb-3249	58	39	important	important	ADJ
ajbmeb-3249	58	40	step	step	NOUN
ajbmeb-3249	58	41	in	in	ADP
ajbmeb-3249	58	42	ensuring	ensure	VERB
ajbmeb-3249	58	43	bank	bank	NOUN
ajbmeb-3249	58	44	financial	financial	ADJ
ajbmeb-3249	58	45	stability	stability	NOUN
ajbmeb-3249	58	46	and	and	CCONJ
ajbmeb-3249	58	47	liquidity	liquidity	NOUN
ajbmeb-3249	58	48	;	;	PUNCT
ajbmeb-3249	58	49	*	*	PUNCT
ajbmeb-3249	58	50	the	the	DET
ajbmeb-3249	58	51	development	development	NOUN
ajbmeb-3249	58	52	of	of	ADP
ajbmeb-3249	58	53	the	the	DET
ajbmeb-3249	58	54	interbank	interbank	NOUN
ajbmeb-3249	58	55	market	market	NOUN
ajbmeb-3249	58	56	facilitates	facilitate	VERB
ajbmeb-3249	58	57	the	the	DET
ajbmeb-3249	58	58	redistribution	redistribution	NOUN
ajbmeb-3249	58	59	of	of	ADP
ajbmeb-3249	58	60	temporarily	temporarily	ADV
ajbmeb-3249	58	61	idle	idle	ADJ
ajbmeb-3249	58	62	funds	fund	NOUN
ajbmeb-3249	58	63	among	among	ADP
ajbmeb-3249	58	64	banks	bank	NOUN
ajbmeb-3249	58	65	,	,	PUNCT
ajbmeb-3249	58	66	maintaining	maintain	VERB
ajbmeb-3249	58	67	liquidity	liquidity	NOUN
ajbmeb-3249	58	68	;	;	PUNCT
ajbmeb-3249	58	69	*	*	PUNCT
ajbmeb-3249	58	70	the	the	DET
ajbmeb-3249	58	71	share	share	NOUN
ajbmeb-3249	58	72	of	of	ADP
ajbmeb-3249	58	73	non	non	ADJ
ajbmeb-3249	58	74	-	-	ADJ
ajbmeb-3249	58	75	performing	performing	ADJ
ajbmeb-3249	58	76	loans	loan	NOUN
ajbmeb-3249	58	77	and	and	CCONJ
ajbmeb-3249	58	78	the	the	DET
ajbmeb-3249	58	79	proportion	proportion	NOUN
ajbmeb-3249	58	80	of	of	ADP
ajbmeb-3249	58	81	reserves	reserve	NOUN
ajbmeb-3249	58	82	allocated	allocate	VERB
ajbmeb-3249	58	83	to	to	ADP
ajbmeb-3249	58	84	them	they	PRON
ajbmeb-3249	58	85	are	be	AUX
ajbmeb-3249	58	86	increasing	increase	VERB
ajbmeb-3249	58	87	in	in	ADP
ajbmeb-3249	58	88	the	the	DET
ajbmeb-3249	58	89	banking	banking	NOUN
ajbmeb-3249	58	90	system	system	NOUN
ajbmeb-3249	58	91	,	,	PUNCT
ajbmeb-3249	58	92	creating	create	VERB
ajbmeb-3249	58	93	a	a	DET
ajbmeb-3249	58	94	liquidity	liquidity	NOUN
ajbmeb-3249	58	95	imbalance	imbalance	NOUN
ajbmeb-3249	58	96	for	for	ADP
ajbmeb-3249	58	97	commercial	commercial	ADJ
ajbmeb-3249	58	98	banks	bank	NOUN
ajbmeb-3249	58	99	;	;	PUNCT
ajbmeb-3249	58	100	*	*	PUNCT
ajbmeb-3249	58	101	the	the	DET
ajbmeb-3249	58	102	regulatory	regulatory	ADJ
ajbmeb-3249	58	103	requirement	requirement	NOUN
ajbmeb-3249	58	104	for	for	ADP
ajbmeb-3249	58	105	the	the	DET
ajbmeb-3249	58	106	share	share	NOUN
ajbmeb-3249	58	107	of	of	ADP
ajbmeb-3249	58	108	net	net	ADJ
ajbmeb-3249	58	109	sustainable	sustainable	ADJ
ajbmeb-3249	58	110	funding	funding	NOUN
ajbmeb-3249	58	111	is	be	AUX
ajbmeb-3249	58	112	set	set	VERB
ajbmeb-3249	58	113	at	at	ADP
ajbmeb-3249	58	114	100	100	NUM
ajbmeb-3249	58	115	%	%	NOUN
ajbmeb-3249	58	116	,	,	PUNCT
ajbmeb-3249	58	117	as	as	SCONJ
ajbmeb-3249	58	118	stated	state	VERB
ajbmeb-3249	58	119	in	in	ADP
ajbmeb-3249	58	120	the	the	DET
ajbmeb-3249	58	121	basel	basel	PROPN
ajbmeb-3249	58	122	committee	committee	PROPN
ajbmeb-3249	58	123	recommendation	recommendation	NOUN
ajbmeb-3249	58	124	.	.	PUNCT
ajbmeb-3249	59	1	however	however	ADV
ajbmeb-3249	59	2	,	,	PUNCT
ajbmeb-3249	59	3	due	due	ADP
ajbmeb-3249	59	4	to	to	ADP
ajbmeb-3249	59	5	the	the	DET
ajbmeb-3249	59	6	serious	serious	ADJ
ajbmeb-3249	59	7	liquidity	liquidity	NOUN
ajbmeb-3249	59	8	risk	risk	NOUN
ajbmeb-3249	59	9	problem	problem	NOUN
ajbmeb-3249	59	10	in	in	ADP
ajbmeb-3249	59	11	large	large	ADJ
ajbmeb-3249	59	12	commercial	commercial	ADJ
ajbmeb-3249	59	13	banks	bank	NOUN
ajbmeb-3249	59	14	in	in	ADP
ajbmeb-3249	59	15	our	our	PRON
ajbmeb-3249	59	16	republic	republic	NOUN
ajbmeb-3249	59	17	,	,	PUNCT
ajbmeb-3249	59	18	banks	bank	NOUN
ajbmeb-3249	59	19	are	be	AUX
ajbmeb-3249	59	20	facing	face	VERB
ajbmeb-3249	59	21	difficulties	difficulty	NOUN
ajbmeb-3249	59	22	in	in	ADP
ajbmeb-3249	59	23	meeting	meet	VERB
ajbmeb-3249	59	24	this	this	DET
ajbmeb-3249	59	25	regulatory	regulatory	ADJ
ajbmeb-3249	59	26	requirement	requirement	NOUN
ajbmeb-3249	59	27	.	.	PUNCT
ajbmeb-3249	60	1	in	in	ADP
ajbmeb-3249	60	2	addition	addition	NOUN
ajbmeb-3249	60	3	to	to	ADP
ajbmeb-3249	60	4	these	these	DET
ajbmeb-3249	60	5	findings	finding	NOUN
ajbmeb-3249	60	6	,	,	PUNCT
ajbmeb-3249	60	7	the	the	DET
ajbmeb-3249	60	8	following	follow	VERB
ajbmeb-3249	60	9	scientific	scientific	ADJ
ajbmeb-3249	60	10	proposals	proposal	NOUN
ajbmeb-3249	60	11	for	for	ADP
ajbmeb-3249	60	12	improving	improve	VERB
ajbmeb-3249	60	13	bank	bank	NOUN
ajbmeb-3249	60	14	liquidity	liquidity	NOUN
ajbmeb-3249	60	15	were	be	AUX
ajbmeb-3249	60	16	formulated	formulate	VERB
ajbmeb-3249	60	17	:	:	PUNCT
ajbmeb-3249	60	18	1	1	X
ajbmeb-3249	60	19	.	.	X
ajbmeb-3249	60	20	minimizing	minimize	VERB
ajbmeb-3249	60	21	liquidity	liquidity	NOUN
ajbmeb-3249	60	22	risk	risk	NOUN
ajbmeb-3249	60	23	in	in	ADP
ajbmeb-3249	60	24	the	the	DET
ajbmeb-3249	60	25	bank	bank	NOUN
ajbmeb-3249	60	26	,	,	PUNCT
ajbmeb-3249	60	27	reducing	reduce	VERB
ajbmeb-3249	60	28	the	the	DET
ajbmeb-3249	60	29	share	share	NOUN
ajbmeb-3249	60	30	of	of	ADP
ajbmeb-3249	60	31	loans	loan	NOUN
ajbmeb-3249	60	32	in	in	ADP
ajbmeb-3249	60	33	the	the	DET
ajbmeb-3249	60	34	asset	asset	NOUN
ajbmeb-3249	60	35	structure	structure	NOUN
ajbmeb-3249	60	36	by	by	ADP
ajbmeb-3249	60	37	developing	develop	VERB
ajbmeb-3249	60	38	securities	security	NOUN
ajbmeb-3249	60	39	transactions	transaction	NOUN
ajbmeb-3249	60	40	.	.	PUNCT
ajbmeb-3249	61	1	2	2	X
ajbmeb-3249	61	2	.	.	X
ajbmeb-3249	61	3	ensuring	ensure	VERB
ajbmeb-3249	61	4	bank	bank	NOUN
ajbmeb-3249	61	5	liquidity	liquidity	NOUN
ajbmeb-3249	61	6	by	by	ADP
ajbmeb-3249	61	7	increasing	increase	VERB
ajbmeb-3249	61	8	the	the	DET
ajbmeb-3249	61	9	share	share	NOUN
ajbmeb-3249	61	10	of	of	ADP
ajbmeb-3249	61	11	term	term	NOUN
ajbmeb-3249	61	12	and	and	CCONJ
ajbmeb-3249	61	13	savings	saving	NOUN
ajbmeb-3249	61	14	deposits	deposit	NOUN
ajbmeb-3249	61	15	in	in	ADP
ajbmeb-3249	61	16	the	the	DET
ajbmeb-3249	61	17	bank	bank	NOUN
ajbmeb-3249	61	18	's	's	PART
ajbmeb-3249	61	19	liabilities	liability	NOUN
ajbmeb-3249	61	20	by	by	ADP
ajbmeb-3249	61	21	enhancing	enhance	VERB
ajbmeb-3249	61	22	the	the	DET
ajbmeb-3249	61	23	investment	investment	NOUN
ajbmeb-3249	61	24	attractiveness	attractiveness	NOUN
ajbmeb-3249	61	25	of	of	ADP
ajbmeb-3249	61	26	commercial	commercial	ADJ
ajbmeb-3249	61	27	banks	bank	NOUN
ajbmeb-3249	61	28	.	.	PUNCT
ajbmeb-3249	62	1	references	reference	NOUN
ajbmeb-3249	62	2	1	1	NUM
ajbmeb-3249	62	3	.	.	PUNCT
ajbmeb-3249	62	4	decree	decree	NOUN
ajbmeb-3249	62	5	of	of	ADP
ajbmeb-3249	62	6	the	the	DET
ajbmeb-3249	62	7	president	president	NOUN
ajbmeb-3249	62	8	of	of	ADP
ajbmeb-3249	62	9	the	the	DET
ajbmeb-3249	62	10	republic	republic	NOUN
ajbmeb-3249	62	11	of	of	ADP
ajbmeb-3249	62	12	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	62	13	no	no	INTJ
ajbmeb-3249	62	14	.	.	PUNCT
ajbmeb-3249	63	1	pf-158	pf-158	PROPN
ajbmeb-3249	63	2	dated	date	VERB
ajbmeb-3249	63	3	september	september	PROPN
ajbmeb-3249	63	4	1	1	NUM
ajbmeb-3249	63	5	,	,	PUNCT
ajbmeb-3249	63	6	2023	2023	NUM
ajbmeb-3249	63	7	,	,	PUNCT
ajbmeb-3249	63	8	"	"	PUNCT
ajbmeb-3249	63	9	on	on	ADP
ajbmeb-3249	63	10	the	the	DET
ajbmeb-3249	63	11	uzbekistan-2030	uzbekistan-2030	NOUN
ajbmeb-3249	63	12	strategy	strategy	NOUN
ajbmeb-3249	63	13	"	"	PUNCT
ajbmeb-3249	63	14	//	//	NUM
ajbmeb-3249	63	15	legislative	legislative	ADJ
ajbmeb-3249	63	16	framework	framework	NOUN
ajbmeb-3249	63	17	,	,	PUNCT
ajbmeb-3249	63	18	september	september	PROPN
ajbmeb-3249	63	19	12	12	NUM
ajbmeb-3249	63	20	,	,	PUNCT
ajbmeb-3249	63	21	2023	2023	NUM
ajbmeb-3249	63	22	.	.	X
ajbmeb-3249	64	1	2	2	X
ajbmeb-3249	64	2	.	.	X
ajbmeb-3249	64	3	decree	decree	NOUN
ajbmeb-3249	64	4	of	of	ADP
ajbmeb-3249	64	5	the	the	DET
ajbmeb-3249	64	6	president	president	NOUN
ajbmeb-3249	64	7	of	of	ADP
ajbmeb-3249	64	8	the	the	DET
ajbmeb-3249	64	9	republic	republic	NOUN
ajbmeb-3249	64	10	of	of	ADP
ajbmeb-3249	64	11	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	64	12	no	no	PROPN
ajbmeb-3249	64	13	.	.	PUNCT
ajbmeb-3249	65	1	pf-5992	pf-5992	PROPN
ajbmeb-3249	65	2	dated	date	VERB
ajbmeb-3249	65	3	may	may	PROPN
ajbmeb-3249	65	4	12	12	NUM
ajbmeb-3249	65	5	,	,	PUNCT
ajbmeb-3249	65	6	2020	2020	NUM
ajbmeb-3249	65	7	,	,	PUNCT
ajbmeb-3249	65	8	"	"	PUNCT
ajbmeb-3249	65	9	on	on	ADP
ajbmeb-3249	65	10	the	the	DET
ajbmeb-3249	65	11	strategy	strategy	NOUN
ajbmeb-3249	65	12	for	for	ADP
ajbmeb-3249	65	13	reforming	reform	VERB
ajbmeb-3249	65	14	the	the	DET
ajbmeb-3249	65	15	banking	banking	NOUN
ajbmeb-3249	65	16	system	system	NOUN
ajbmeb-3249	65	17	of	of	ADP
ajbmeb-3249	65	18	the	the	DET
ajbmeb-3249	65	19	republic	republic	NOUN
ajbmeb-3249	65	20	of	of	ADP
ajbmeb-3249	65	21	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	65	22	for	for	ADP
ajbmeb-3249	65	23	2020	2020	NUM
ajbmeb-3249	65	24	-	-	SYM
ajbmeb-3249	65	25	2025	2025	NUM
ajbmeb-3249	65	26	"	"	PUNCT
ajbmeb-3249	65	27	//	//	NUM
ajbmeb-3249	65	28	legislative	legislative	ADJ
ajbmeb-3249	65	29	framework	framework	NOUN
ajbmeb-3249	65	30	,	,	PUNCT
ajbmeb-3249	65	31	may	may	AUX
ajbmeb-3249	65	32	13	13	NUM
ajbmeb-3249	65	33	,	,	PUNCT
ajbmeb-3249	65	34	2020	2020	NUM
ajbmeb-3249	65	35	.	.	PUNCT
ajbmeb-3249	66	1	american	american	ADJ
ajbmeb-3249	66	2	journal	journal	PROPN
ajbmeb-3249	66	3	of	of	ADP
ajbmeb-3249	66	4	business	business	NOUN
ajbmeb-3249	66	5	management	management	NOUN
ajbmeb-3249	66	6	,	,	PUNCT
ajbmeb-3249	66	7	economics	economic	NOUN
ajbmeb-3249	66	8	and	and	CCONJ
ajbmeb-3249	66	9	banking	banking	NOUN
ajbmeb-3249	66	10	volume	volume	NOUN
ajbmeb-3249	66	11	43	43	NUM
ajbmeb-3249	67	1	december2025	december2025	PROPN
ajbmeb-3249	67	2	p	p	PROPN
ajbmeb-3249	67	3	a	a	DET
ajbmeb-3249	67	4	g	g	NOUN
ajbmeb-3249	67	5	e	e	NOUN
ajbmeb-3249	67	6	|	|	ADV
ajbmeb-3249	67	7	78	78	NUM
ajbmeb-3249	67	8	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-3249	67	9	3	3	NUM
ajbmeb-3249	67	10	.	.	PUNCT
ajbmeb-3249	67	11	nevolina	nevolina	PROPN
ajbmeb-3249	68	1	e.v	e.v	PROPN
ajbmeb-3249	68	2	.	.	PUNCT
ajbmeb-3249	69	1	the	the	DET
ajbmeb-3249	69	2	concept	concept	NOUN
ajbmeb-3249	69	3	of	of	ADP
ajbmeb-3249	69	4	bank	bank	NOUN
ajbmeb-3249	69	5	liquidity	liquidity	PROPN
ajbmeb-3249	69	6	/	/	SYM
ajbmeb-3249	69	7	e.v	e.v	PROPN
ajbmeb-3249	69	8	.	.	PROPN
ajbmeb-3249	69	9	nevolina	nevolina	PROPN
ajbmeb-3249	69	10	//	//	PROPN
ajbmeb-3249	69	11	refusal	refusal	NOUN
ajbmeb-3249	69	12	and	and	CCONJ
ajbmeb-3249	69	13	credit	credit	NOUN
ajbmeb-3249	69	14	.	.	PUNCT
ajbmeb-3249	70	1	2007	2007	NUM
ajbmeb-3249	70	2	.	.	PUNCT
ajbmeb-3249	71	1	no	no	INTJ
ajbmeb-3249	71	2	.	.	NOUN
ajbmeb-3249	72	1	7	7	X
ajbmeb-3249	72	2	.	.	X
ajbmeb-3249	72	3	pp	pp	ADJ
ajbmeb-3249	72	4	.	.	PUNCT
ajbmeb-3249	73	1	23	23	NUM
ajbmeb-3249	73	2	-	-	SYM
ajbmeb-3249	73	3	29	29	NUM
ajbmeb-3249	73	4	.	.	PUNCT
ajbmeb-3249	74	1	4	4	NUM
ajbmeb-3249	74	2	.	.	X
ajbmeb-3249	75	1	makshanova	makshanova	PROPN
ajbmeb-3249	76	1	t.v	t.v	PROPN
ajbmeb-3249	76	2	.	.	PROPN
ajbmeb-3249	76	3	development	development	NOUN
ajbmeb-3249	76	4	of	of	ADP
ajbmeb-3249	76	5	regulatory	regulatory	ADJ
ajbmeb-3249	76	6	framework	framework	NOUN
ajbmeb-3249	76	7	for	for	ADP
ajbmeb-3249	76	8	market	market	NOUN
ajbmeb-3249	76	9	derivatives	derivative	NOUN
ajbmeb-3249	76	10	in	in	ADP
ajbmeb-3249	76	11	russia	russia	PROPN
ajbmeb-3249	76	12	//	//	SYM
ajbmeb-3249	76	13	economy	economy	NOUN
ajbmeb-3249	76	14	and	and	CCONJ
ajbmeb-3249	76	15	society	society	NOUN
ajbmeb-3249	76	16	.	.	PUNCT
ajbmeb-3249	77	1	2013	2013	NUM
ajbmeb-3249	77	2	.	.	PUNCT
ajbmeb-3249	78	1	no	no	INTJ
ajbmeb-3249	78	2	.	.	NOUN
ajbmeb-3249	78	3	1	1	NUM
ajbmeb-3249	78	4	(	(	PUNCT
ajbmeb-3249	78	5	6	6	NUM
ajbmeb-3249	78	6	)	)	PUNCT
ajbmeb-3249	78	7	.	.	PUNCT
ajbmeb-3249	79	1	p.	p.	NOUN
ajbmeb-3249	80	1	452–458	452–458	NUM
ajbmeb-3249	80	2	.	.	PUNCT
ajbmeb-3249	81	1	5	5	NUM
ajbmeb-3249	81	2	.	.	X
ajbmeb-3249	81	3	central	central	ADJ
ajbmeb-3249	81	4	bank	bank	PROPN
ajbmeb-3249	81	5	of	of	ADP
ajbmeb-3249	81	6	the	the	DET
ajbmeb-3249	81	7	republic	republic	NOUN
ajbmeb-3249	81	8	of	of	ADP
ajbmeb-3249	81	9	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	81	10	.	.	PUNCT
ajbmeb-3249	82	1	money	money	NOUN
ajbmeb-3249	82	2	market	market	NOUN
ajbmeb-3249	82	3	and	and	CCONJ
ajbmeb-3249	82	4	liquidity	liquidity	NOUN
ajbmeb-3249	82	5	review	review	NOUN
ajbmeb-3249	82	6	,	,	PUNCT
ajbmeb-3249	82	7	q3	q3	PROPN
ajbmeb-3249	82	8	2025	2025	NUM
ajbmeb-3249	82	9	/	/	SYM
ajbmeb-3249	82	10	www.cbu.uz	www.cbu.uz	NOUN
ajbmeb-3249	82	11	.	.	NOUN
ajbmeb-3249	83	1	6	6	NUM
ajbmeb-3249	83	2	.	.	X
ajbmeb-3249	83	3	sh	sh	PROPN
ajbmeb-3249	83	4	.	.	PUNCT
ajbmeb-3249	83	5	t.	t.	PROPN
ajbmeb-3249	83	6	ibodullaev	ibodullaev	PROPN
ajbmeb-3249	83	7	.	.	PUNCT
ajbmeb-3249	84	1	doctoral	doctoral	ADJ
ajbmeb-3249	84	2	dissertation	dissertation	NOUN
ajbmeb-3249	84	3	on	on	ADP
ajbmeb-3249	84	4	"	"	PUNCT
ajbmeb-3249	84	5	ways	way	NOUN
ajbmeb-3249	84	6	to	to	PART
ajbmeb-3249	84	7	ensuring	ensure	VERB
ajbmeb-3249	84	8	the	the	DET
ajbmeb-3249	84	9	competitiveness	competitiveness	NOUN
ajbmeb-3249	84	10	of	of	ADP
ajbmeb-3249	84	11	commercial	commercial	ADJ
ajbmeb-3249	84	12	banks	bank	NOUN
ajbmeb-3249	84	13	"	"	PUNCT
ajbmeb-3249	84	14	.	.	PUNCT
ajbmeb-3249	85	1	tashkent	tashkent	PROPN
ajbmeb-3249	85	2	,	,	PUNCT
ajbmeb-3249	85	3	2025	2025	NUM
ajbmeb-3249	85	4	.	.	PUNCT
ajbmeb-3249	86	1	7	7	X
ajbmeb-3249	86	2	.	.	X
ajbmeb-3249	86	3	sattarov	sattarov	PROPN
ajbmeb-3249	86	4	,	,	PUNCT
ajbmeb-3249	86	5	o.	o.	PROPN
ajbmeb-3249	86	6	b.	b.	PROPN
ajbmeb-3249	87	1	"	"	PUNCT
ajbmeb-3249	87	2	current	current	ADJ
ajbmeb-3249	87	3	issues	issue	NOUN
ajbmeb-3249	87	4	of	of	ADP
ajbmeb-3249	87	5	ensuring	ensure	VERB
ajbmeb-3249	87	6	the	the	DET
ajbmeb-3249	87	7	stability	stability	NOUN
ajbmeb-3249	87	8	of	of	ADP
ajbmeb-3249	87	9	the	the	DET
ajbmeb-3249	87	10	banking	banking	NOUN
ajbmeb-3249	87	11	system	system	NOUN
ajbmeb-3249	87	12	of	of	ADP
ajbmeb-3249	87	13	the	the	DET
ajbmeb-3249	87	14	republic	republic	NOUN
ajbmeb-3249	87	15	of	of	ADP
ajbmeb-3249	87	16	uzbekistan	uzbekistan	PROPN
ajbmeb-3249	87	17	"	"	PUNCT
ajbmeb-3249	87	18	:	:	PUNCT
ajbmeb-3249	87	19	banking	banking	NOUN
ajbmeb-3249	87	20	,	,	PUNCT
ajbmeb-3249	87	21	2016	2016	NUM
ajbmeb-3249	87	22	,	,	PUNCT
ajbmeb-3249	87	23	no	no	INTJ
ajbmeb-3249	87	24	.	.	NOUN
ajbmeb-3249	87	25	9	9	NUM
ajbmeb-3249	87	26	,	,	PUNCT
ajbmeb-3249	87	27	p.	p.	NOUN
ajbmeb-3249	87	28	25	25	NUM
ajbmeb-3249	87	29	.	.	NOUN
ajbmeb-3249	87	30	8	8	X
ajbmeb-3249	87	31	.	.	X
ajbmeb-3249	87	32	figure	figure	NOUN
ajbmeb-3249	87	33	compiled	compile	VERB
ajbmeb-3249	87	34	by	by	ADP
ajbmeb-3249	87	35	the	the	DET
ajbmeb-3249	87	36	author	author	NOUN
ajbmeb-3249	87	37	based	base	VERB
ajbmeb-3249	87	38	on	on	ADP
ajbmeb-3249	87	39	central	central	ADJ
ajbmeb-3249	87	40	bank	bank	NOUN
ajbmeb-3249	87	41	data	datum	NOUN
ajbmeb-3249	87	42	.	.	PUNCT
ajbmeb-3249	88	1	9	9	X
ajbmeb-3249	88	2	.	.	X
ajbmeb-3249	88	3	table	table	NOUN
ajbmeb-3249	88	4	compiled	compile	VERB
ajbmeb-3249	88	5	by	by	ADP
ajbmeb-3249	88	6	the	the	DET
ajbmeb-3249	88	7	author	author	NOUN
ajbmeb-3249	88	8	based	base	VERB
ajbmeb-3249	88	9	on	on	ADP
ajbmeb-3249	88	10	central	central	ADJ
ajbmeb-3249	88	11	bank	bank	NOUN
ajbmeb-3249	88	12	data	datum	NOUN
ajbmeb-3249	88	13	.	.	PUNCT