id	sid	tid	token	lemma	pos
ajbmeb-358	1	1	american	american	PROPN
ajbmeb-358	1	2	journal	journal	PROPN
ajbmeb-358	1	3	of	of	ADP
ajbmeb-358	1	4	business	business	NOUN
ajbmeb-358	1	5	management	management	NOUN
ajbmeb-358	1	6	,	,	PUNCT
ajbmeb-358	1	7	economics	economic	NOUN
ajbmeb-358	1	8	and	and	CCONJ
ajbmeb-358	1	9	banking	banking	NOUN
ajbmeb-358	1	10	issn	issn	PROPN
ajbmeb-358	1	11	(	(	PUNCT
ajbmeb-358	1	12	e	e	NOUN
ajbmeb-358	1	13	):	):	PUNCT
ajbmeb-358	1	14	2832	2832	NUM
ajbmeb-358	1	15	-	-	SYM
ajbmeb-358	1	16	8078	8078	NUM
ajbmeb-358	1	17	volume	volume	NOUN
ajbmeb-358	1	18	8	8	NUM
ajbmeb-358	1	19	,	,	PUNCT
ajbmeb-358	1	20	|	|	ADV
ajbmeb-358	1	21	jan	jan	PROPN
ajbmeb-358	1	22	.	.	PROPN
ajbmeb-358	1	23	,	,	PUNCT
ajbmeb-358	1	24	2023	2023	NUM
ajbmeb-358	1	25	p	p	NOUN
ajbmeb-358	1	26	a	a	DET
ajbmeb-358	1	27	g	g	NOUN
ajbmeb-358	1	28	e	e	NOUN
ajbmeb-358	1	29	|	|	ADV
ajbmeb-358	1	30	84	84	NUM
ajbmeb-358	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	1	32	prospects	prospect	NOUN
ajbmeb-358	1	33	for	for	ADP
ajbmeb-358	1	34	improving	improve	VERB
ajbmeb-358	1	35	the	the	DET
ajbmeb-358	1	36	deposit	deposit	NOUN
ajbmeb-358	1	37	policy	policy	NOUN
ajbmeb-358	1	38	of	of	ADP
ajbmeb-358	1	39	commercial	commercial	ADJ
ajbmeb-358	1	40	banks	bank	NOUN
ajbmeb-358	1	41	shermukhamedov	shermukhamedov	PROPN
ajbmeb-358	1	42	bekhzodjon	bekhzodjon	VERB
ajbmeb-358	1	43	usmonovich	usmonovich	PROPN
ajbmeb-358	1	44	tashkent	tashkent	PROPN
ajbmeb-358	1	45	financial	financial	PROPN
ajbmeb-358	1	46	institute	institute	PROPN
ajbmeb-358	1	47	,	,	PUNCT
ajbmeb-358	1	48	phd	phd	PROPN
ajbmeb-358	1	49	docent	docent	PROPN
ajbmeb-358	1	50	email	email	NOUN
ajbmeb-358	1	51	:	:	PUNCT
ajbmeb-358	1	52	diplomat	diplomat	NOUN
ajbmeb-358	1	53	_	_	NOUN
ajbmeb-358	1	54	701@	701@	NUM
ajbmeb-358	1	55	mail	mail	NOUN
ajbmeb-358	1	56	.	.	PUNCT
ajbmeb-358	2	1	ru	ru	PROPN
ajbmeb-358	2	2	abdulatifova	abdulatifova	PROPN
ajbmeb-358	2	3	mohinur	mohinur	PROPN
ajbmeb-358	2	4	alisher	alisher	PROPN
ajbmeb-358	2	5	qizi	qizi	PROPN
ajbmeb-358	2	6	tashkent	tashkent	PROPN
ajbmeb-358	2	7	state	state	PROPN
ajbmeb-358	2	8	university	university	PROPN
ajbmeb-358	2	9	of	of	ADP
ajbmeb-358	2	10	economy	economy	NOUN
ajbmeb-358	2	11	,	,	PUNCT
ajbmeb-358	2	12	master	master	NOUN
ajbmeb-358	2	13	in	in	ADP
ajbmeb-358	2	14	macroeconomics	macroeconomic	NOUN
ajbmeb-358	2	15	email	email	NOUN
ajbmeb-358	2	16	:	:	PUNCT
ajbmeb-358	2	17	mohinur280398@mail.ru	mohinur280398@mail.ru	PROPN
ajbmeb-358	2	18	a	a	DET
ajbmeb-358	2	19	b	b	PROPN
ajbmeb-358	2	20	s	s	ADP
ajbmeb-358	2	21	t	t	PROPN
ajbmeb-358	2	22	r	r	NOUN
ajbmeb-358	2	23	a	a	DET
ajbmeb-358	2	24	c	c	NOUN
ajbmeb-358	2	25	t	t	NOUN
ajbmeb-358	3	1	k	k	X
ajbmeb-358	3	2	e	e	PROPN
ajbmeb-358	3	3	y	y	PROPN
ajbmeb-358	3	4	w	w	NOUN
ajbmeb-358	3	5	o	o	NOUN
ajbmeb-358	3	6	r	r	NOUN
ajbmeb-358	3	7	d	d	PROPN
ajbmeb-358	3	8	s	s	VERB
ajbmeb-358	3	9	this	this	DET
ajbmeb-358	3	10	article	article	NOUN
ajbmeb-358	3	11	discusses	discuss	VERB
ajbmeb-358	3	12	the	the	DET
ajbmeb-358	3	13	trends	trend	NOUN
ajbmeb-358	3	14	observed	observe	VERB
ajbmeb-358	3	15	in	in	ADP
ajbmeb-358	3	16	the	the	DET
ajbmeb-358	3	17	implementation	implementation	NOUN
ajbmeb-358	3	18	of	of	ADP
ajbmeb-358	3	19	deposit	deposit	NOUN
ajbmeb-358	3	20	policy	policy	NOUN
ajbmeb-358	3	21	by	by	ADP
ajbmeb-358	3	22	commercial	commercial	ADJ
ajbmeb-358	3	23	banks	bank	NOUN
ajbmeb-358	3	24	and	and	CCONJ
ajbmeb-358	3	25	issues	issue	NOUN
ajbmeb-358	3	26	related	relate	VERB
ajbmeb-358	3	27	to	to	ADP
ajbmeb-358	3	28	their	their	PRON
ajbmeb-358	3	29	impact	impact	NOUN
ajbmeb-358	3	30	on	on	ADP
ajbmeb-358	3	31	deposit	deposit	NOUN
ajbmeb-358	3	32	policy	policy	NOUN
ajbmeb-358	3	33	.	.	PUNCT
ajbmeb-358	4	1	in	in	ADP
ajbmeb-358	4	2	the	the	DET
ajbmeb-358	4	3	article	article	NOUN
ajbmeb-358	4	4	,	,	PUNCT
ajbmeb-358	4	5	the	the	DET
ajbmeb-358	4	6	deposit	deposit	NOUN
ajbmeb-358	4	7	policy	policy	NOUN
ajbmeb-358	4	8	is	be	AUX
ajbmeb-358	4	9	a	a	DET
ajbmeb-358	4	10	key	key	ADJ
ajbmeb-358	4	11	part	part	NOUN
ajbmeb-358	4	12	of	of	ADP
ajbmeb-358	4	13	the	the	DET
ajbmeb-358	4	14	overall	overall	ADJ
ajbmeb-358	4	15	banking	banking	NOUN
ajbmeb-358	4	16	policy	policy	NOUN
ajbmeb-358	4	17	,	,	PUNCT
ajbmeb-358	4	18	which	which	PRON
ajbmeb-358	4	19	defines	define	VERB
ajbmeb-358	4	20	the	the	DET
ajbmeb-358	4	21	strategy	strategy	NOUN
ajbmeb-358	4	22	and	and	CCONJ
ajbmeb-358	4	23	tactics	tactic	NOUN
ajbmeb-358	4	24	of	of	ADP
ajbmeb-358	4	25	commercial	commercial	ADJ
ajbmeb-358	4	26	banks	bank	NOUN
ajbmeb-358	4	27	to	to	PART
ajbmeb-358	4	28	conduct	conduct	VERB
ajbmeb-358	4	29	deposit	deposit	NOUN
ajbmeb-358	4	30	activities	activity	NOUN
ajbmeb-358	4	31	.	.	PUNCT
ajbmeb-358	5	1	it	it	PRON
ajbmeb-358	5	2	also	also	ADV
ajbmeb-358	5	3	contains	contain	VERB
ajbmeb-358	5	4	the	the	DET
ajbmeb-358	5	5	author	author	NOUN
ajbmeb-358	5	6	's	's	PART
ajbmeb-358	5	7	suggestions	suggestion	NOUN
ajbmeb-358	5	8	and	and	CCONJ
ajbmeb-358	5	9	recommendations	recommendation	NOUN
ajbmeb-358	5	10	on	on	ADP
ajbmeb-358	5	11	the	the	DET
ajbmeb-358	5	12	problems	problem	NOUN
ajbmeb-358	5	13	of	of	ADP
ajbmeb-358	5	14	deposit	deposit	NOUN
ajbmeb-358	5	15	policy	policy	NOUN
ajbmeb-358	5	16	and	and	CCONJ
ajbmeb-358	5	17	their	their	PRON
ajbmeb-358	5	18	solutions	solution	NOUN
ajbmeb-358	5	19	deposit	deposit	NOUN
ajbmeb-358	5	20	,	,	PUNCT
ajbmeb-358	5	21	deposit	deposit	NOUN
ajbmeb-358	5	22	types	type	NOUN
ajbmeb-358	5	23	,	,	PUNCT
ajbmeb-358	5	24	demand	demand	NOUN
ajbmeb-358	5	25	deposit	deposit	NOUN
ajbmeb-358	5	26	,	,	PUNCT
ajbmeb-358	5	27	term	term	NOUN
ajbmeb-358	5	28	deposit	deposit	NOUN
ajbmeb-358	5	29	,	,	PUNCT
ajbmeb-358	5	30	savings	saving	NOUN
ajbmeb-358	5	31	deposit	deposit	NOUN
ajbmeb-358	5	32	,	,	PUNCT
ajbmeb-358	5	33	transactional	transactional	ADJ
ajbmeb-358	5	34	deposit	deposit	NOUN
ajbmeb-358	5	35	,	,	PUNCT
ajbmeb-358	5	36	certificate	certificate	NOUN
ajbmeb-358	5	37	of	of	ADP
ajbmeb-358	5	38	deposit	deposit	NOUN
ajbmeb-358	5	39	,	,	PUNCT
ajbmeb-358	5	40	bank	bank	NOUN
ajbmeb-358	5	41	resources	resource	NOUN
ajbmeb-358	5	42	,	,	PUNCT
ajbmeb-358	5	43	deposit	deposit	NOUN
ajbmeb-358	5	44	policy	policy	NOUN
ajbmeb-358	5	45	,	,	PUNCT
ajbmeb-358	5	46	attracted	attract	VERB
ajbmeb-358	5	47	funds	fund	NOUN
ajbmeb-358	5	48	,	,	PUNCT
ajbmeb-358	5	49	bank	bank	NOUN
ajbmeb-358	5	50	resource	resource	NOUN
ajbmeb-358	5	51	base	base	NOUN
ajbmeb-358	5	52	.	.	PUNCT
ajbmeb-358	6	1	the	the	DET
ajbmeb-358	6	2	scientific	scientific	ADJ
ajbmeb-358	6	3	studies	study	NOUN
ajbmeb-358	6	4	conducted	conduct	VERB
ajbmeb-358	6	5	on	on	ADP
ajbmeb-358	6	6	the	the	DET
ajbmeb-358	6	7	activities	activity	NOUN
ajbmeb-358	6	8	of	of	ADP
ajbmeb-358	6	9	the	the	DET
ajbmeb-358	6	10	world	world	NOUN
ajbmeb-358	6	11	bank	bank	NOUN
ajbmeb-358	6	12	system	system	NOUN
ajbmeb-358	6	13	and	and	CCONJ
ajbmeb-358	6	14	the	the	DET
ajbmeb-358	6	15	expected	expect	VERB
ajbmeb-358	6	16	state	state	NOUN
ajbmeb-358	6	17	of	of	ADP
ajbmeb-358	6	18	the	the	DET
ajbmeb-358	6	19	services	service	NOUN
ajbmeb-358	6	20	offered	offer	VERB
ajbmeb-358	6	21	by	by	ADP
ajbmeb-358	6	22	it	it	PRON
ajbmeb-358	6	23	in	in	ADP
ajbmeb-358	6	24	the	the	DET
ajbmeb-358	6	25	near	near	ADJ
ajbmeb-358	6	26	and	and	CCONJ
ajbmeb-358	6	27	long	long	ADJ
ajbmeb-358	6	28	term	term	NOUN
ajbmeb-358	6	29	show	show	VERB
ajbmeb-358	6	30	that	that	SCONJ
ajbmeb-358	6	31	traditional	traditional	ADJ
ajbmeb-358	6	32	banking	banking	NOUN
ajbmeb-358	6	33	services	service	NOUN
ajbmeb-358	6	34	are	be	AUX
ajbmeb-358	6	35	not	not	PART
ajbmeb-358	6	36	only	only	ADV
ajbmeb-358	6	37	banking	banking	NOUN
ajbmeb-358	6	38	and	and	CCONJ
ajbmeb-358	6	39	non	non	ADJ
ajbmeb-358	6	40	-	-	ADJ
ajbmeb-358	6	41	banking	banking	ADJ
ajbmeb-358	6	42	financial	financial	ADJ
ajbmeb-358	6	43	organizations	organization	NOUN
ajbmeb-358	6	44	,	,	PUNCT
ajbmeb-358	6	45	but	but	CCONJ
ajbmeb-358	6	46	also	also	ADV
ajbmeb-358	6	47	various	various	ADJ
ajbmeb-358	6	48	electronic	electronic	ADJ
ajbmeb-358	6	49	wallets	wallet	NOUN
ajbmeb-358	6	50	and	and	CCONJ
ajbmeb-358	6	51	competition	competition	NOUN
ajbmeb-358	6	52	between	between	ADP
ajbmeb-358	6	53	technology	technology	NOUN
ajbmeb-358	6	54	companies	company	NOUN
ajbmeb-358	6	55	offering	offer	VERB
ajbmeb-358	6	56	virtual	virtual	ADJ
ajbmeb-358	6	57	currencies	currency	NOUN
ajbmeb-358	6	58	,	,	PUNCT
ajbmeb-358	6	59	online	online	ADJ
ajbmeb-358	6	60	retail	retail	ADJ
ajbmeb-358	6	61	systems	system	NOUN
ajbmeb-358	6	62	,	,	PUNCT
ajbmeb-358	6	63	and	and	CCONJ
ajbmeb-358	6	64	social	social	ADJ
ajbmeb-358	6	65	networks	network	NOUN
ajbmeb-358	6	66	is	be	AUX
ajbmeb-358	6	67	intensifying	intensify	VERB
ajbmeb-358	6	68	.	.	PUNCT
ajbmeb-358	7	1	specifically	specifically	ADV
ajbmeb-358	7	2	,	,	PUNCT
ajbmeb-358	7	3	"	"	PUNCT
ajbmeb-358	7	4	ey	ey	INTJ
ajbmeb-358	7	5	(	(	PUNCT
ajbmeb-358	7	6	ernst	ernst	PROPN
ajbmeb-358	7	7	&	&	CCONJ
ajbmeb-358	7	8	young	young	ADJ
ajbmeb-358	7	9	)	)	PUNCT
ajbmeb-358	8	1	[	[	X
ajbmeb-358	8	2	1	1	X
ajbmeb-358	8	3	]	]	PUNCT
ajbmeb-358	8	4	and	and	CCONJ
ajbmeb-358	8	5	deloitte	deloitte	PROPN
ajbmeb-358	8	6	development	development	PROPN
ajbmeb-358	8	7	llc	llc	PROPN
ajbmeb-358	8	8	.	.	PUNCT
ajbmeb-358	8	9	"	"	PUNCT
ajbmeb-358	9	1	according	accord	VERB
ajbmeb-358	9	2	to	to	ADP
ajbmeb-358	9	3	the	the	DET
ajbmeb-358	9	4	analyzes	analyze	NOUN
ajbmeb-358	9	5	carried	carry	VERB
ajbmeb-358	9	6	out	out	ADP
ajbmeb-358	9	7	by	by	ADP
ajbmeb-358	9	8	reputable	reputable	ADJ
ajbmeb-358	9	9	international	international	ADJ
ajbmeb-358	9	10	auditing	auditing	NOUN
ajbmeb-358	9	11	companies	company	NOUN
ajbmeb-358	9	12	such	such	ADJ
ajbmeb-358	9	13	as	as	ADP
ajbmeb-358	9	14	[	[	X
ajbmeb-358	9	15	2	2	NUM
ajbmeb-358	9	16	]	]	PUNCT
ajbmeb-358	9	17	,	,	PUNCT
ajbmeb-358	9	18	they	they	PRON
ajbmeb-358	9	19	concluded	conclude	VERB
ajbmeb-358	9	20	that	that	SCONJ
ajbmeb-358	9	21	the	the	DET
ajbmeb-358	9	22	formation	formation	NOUN
ajbmeb-358	9	23	of	of	ADP
ajbmeb-358	9	24	financial	financial	ADJ
ajbmeb-358	9	25	stability	stability	NOUN
ajbmeb-358	9	26	and	and	CCONJ
ajbmeb-358	9	27	a	a	DET
ajbmeb-358	9	28	solid	solid	ADJ
ajbmeb-358	9	29	resource	resource	NOUN
ajbmeb-358	9	30	base	base	NOUN
ajbmeb-358	9	31	,	,	PUNCT
ajbmeb-358	9	32	increasing	increase	VERB
ajbmeb-358	9	33	competitiveness	competitiveness	NOUN
ajbmeb-358	9	34	in	in	ADP
ajbmeb-358	9	35	the	the	DET
ajbmeb-358	9	36	financial	financial	ADJ
ajbmeb-358	9	37	services	service	NOUN
ajbmeb-358	9	38	market	market	NOUN
ajbmeb-358	9	39	directly	directly	ADV
ajbmeb-358	9	40	depends	depend	VERB
ajbmeb-358	9	41	on	on	ADP
ajbmeb-358	9	42	the	the	DET
ajbmeb-358	9	43	level	level	NOUN
ajbmeb-358	9	44	of	of	ADP
ajbmeb-358	9	45	organization	organization	NOUN
ajbmeb-358	9	46	of	of	ADP
ajbmeb-358	9	47	banking	banking	NOUN
ajbmeb-358	9	48	activities	activity	NOUN
ajbmeb-358	9	49	based	base	VERB
ajbmeb-358	9	50	on	on	ADP
ajbmeb-358	9	51	innovative	innovative	ADJ
ajbmeb-358	9	52	digital	digital	ADJ
ajbmeb-358	9	53	technologies	technology	NOUN
ajbmeb-358	9	54	.	.	PUNCT
ajbmeb-358	10	1	this	this	PRON
ajbmeb-358	10	2	indicates	indicate	VERB
ajbmeb-358	10	3	that	that	SCONJ
ajbmeb-358	10	4	increasing	increase	VERB
ajbmeb-358	10	5	the	the	DET
ajbmeb-358	10	6	effectiveness	effectiveness	NOUN
ajbmeb-358	10	7	of	of	ADP
ajbmeb-358	10	8	the	the	DET
ajbmeb-358	10	9	policy	policy	NOUN
ajbmeb-358	10	10	on	on	ADP
ajbmeb-358	10	11	attracting	attract	VERB
ajbmeb-358	10	12	the	the	DET
ajbmeb-358	10	13	funds	fund	NOUN
ajbmeb-358	10	14	of	of	ADP
ajbmeb-358	10	15	individuals	individual	NOUN
ajbmeb-358	10	16	and	and	CCONJ
ajbmeb-358	10	17	legal	legal	ADJ
ajbmeb-358	10	18	entities	entity	NOUN
ajbmeb-358	10	19	to	to	ADP
ajbmeb-358	10	20	bank	bank	NOUN
ajbmeb-358	10	21	deposits	deposit	NOUN
ajbmeb-358	10	22	is	be	AUX
ajbmeb-358	10	23	becoming	become	VERB
ajbmeb-358	10	24	one	one	NUM
ajbmeb-358	10	25	of	of	ADP
ajbmeb-358	10	26	the	the	DET
ajbmeb-358	10	27	important	important	ADJ
ajbmeb-358	10	28	conditions	condition	NOUN
ajbmeb-358	10	29	for	for	ADP
ajbmeb-358	10	30	the	the	DET
ajbmeb-358	10	31	stable	stable	ADJ
ajbmeb-358	10	32	development	development	NOUN
ajbmeb-358	10	33	of	of	ADP
ajbmeb-358	10	34	the	the	DET
ajbmeb-358	10	35	banking	banking	NOUN
ajbmeb-358	10	36	sector	sector	NOUN
ajbmeb-358	10	37	.	.	PUNCT
ajbmeb-358	11	1	scientific	scientific	ADJ
ajbmeb-358	11	2	research	research	NOUN
ajbmeb-358	11	3	work	work	NOUN
ajbmeb-358	11	4	is	be	AUX
ajbmeb-358	11	5	being	be	AUX
ajbmeb-358	11	6	carried	carry	VERB
ajbmeb-358	11	7	out	out	ADP
ajbmeb-358	11	8	on	on	ADP
ajbmeb-358	11	9	the	the	DET
ajbmeb-358	11	10	development	development	NOUN
ajbmeb-358	11	11	of	of	ADP
ajbmeb-358	11	12	bank	bank	NOUN
ajbmeb-358	11	13	deposit	deposit	NOUN
ajbmeb-358	11	14	policy	policy	NOUN
ajbmeb-358	11	15	in	in	ADP
ajbmeb-358	11	16	world	world	NOUN
ajbmeb-358	11	17	practice	practice	NOUN
ajbmeb-358	11	18	.	.	PUNCT
ajbmeb-358	12	1	in	in	ADP
ajbmeb-358	12	2	particular	particular	ADJ
ajbmeb-358	12	3	,	,	PUNCT
ajbmeb-358	12	4	the	the	DET
ajbmeb-358	12	5	problems	problem	NOUN
ajbmeb-358	12	6	related	relate	VERB
ajbmeb-358	12	7	to	to	ADP
ajbmeb-358	12	8	providing	provide	VERB
ajbmeb-358	12	9	innovative	innovative	ADJ
ajbmeb-358	12	10	deposit	deposit	NOUN
ajbmeb-358	12	11	services	service	NOUN
ajbmeb-358	12	12	through	through	ADP
ajbmeb-358	12	13	the	the	DET
ajbmeb-358	12	14	branches	branch	NOUN
ajbmeb-358	12	15	of	of	ADP
ajbmeb-358	12	16	banks	bank	NOUN
ajbmeb-358	12	17	operating	operate	VERB
ajbmeb-358	12	18	in	in	ADP
ajbmeb-358	12	19	the	the	DET
ajbmeb-358	12	20	smart	smart	ADJ
ajbmeb-358	12	21	-	-	PUNCT
ajbmeb-358	12	22	banking	banking	NOUN
ajbmeb-358	12	23	system	system	NOUN
ajbmeb-358	12	24	,	,	PUNCT
ajbmeb-358	12	25	ensuring	ensure	VERB
ajbmeb-358	12	26	the	the	DET
ajbmeb-358	12	27	compatibility	compatibility	NOUN
ajbmeb-358	12	28	and	and	CCONJ
ajbmeb-358	12	29	consistency	consistency	NOUN
ajbmeb-358	12	30	of	of	ADP
ajbmeb-358	12	31	the	the	DET
ajbmeb-358	12	32	deposit	deposit	NOUN
ajbmeb-358	12	33	policy	policy	NOUN
ajbmeb-358	12	34	with	with	ADP
ajbmeb-358	12	35	strategic	strategic	ADJ
ajbmeb-358	12	36	programs	program	NOUN
ajbmeb-358	12	37	for	for	ADP
ajbmeb-358	12	38	the	the	DET
ajbmeb-358	12	39	development	development	NOUN
ajbmeb-358	12	40	of	of	ADP
ajbmeb-358	12	41	the	the	DET
ajbmeb-358	12	42	banking	banking	NOUN
ajbmeb-358	12	43	system	system	NOUN
ajbmeb-358	12	44	,	,	PUNCT
ajbmeb-358	12	45	the	the	DET
ajbmeb-358	12	46	methodology	methodology	NOUN
ajbmeb-358	12	47	of	of	ADP
ajbmeb-358	12	48	the	the	DET
ajbmeb-358	12	49	development	development	NOUN
ajbmeb-358	12	50	of	of	ADP
ajbmeb-358	12	51	the	the	DET
ajbmeb-358	12	52	deposit	deposit	NOUN
ajbmeb-358	12	53	policy	policy	NOUN
ajbmeb-358	12	54	and	and	CCONJ
ajbmeb-358	12	55	the	the	DET
ajbmeb-358	12	56	improvement	improvement	NOUN
ajbmeb-358	12	57	of	of	ADP
ajbmeb-358	12	58	its	its	PRON
ajbmeb-358	12	59	implementation	implementation	NOUN
ajbmeb-358	12	60	instruments	instrument	NOUN
ajbmeb-358	12	61	have	have	AUX
ajbmeb-358	12	62	been	be	AUX
ajbmeb-358	12	63	thoroughly	thoroughly	ADV
ajbmeb-358	12	64	researched	research	VERB
ajbmeb-358	12	65	.	.	PUNCT
ajbmeb-358	13	1	the	the	DET
ajbmeb-358	13	2	fact	fact	NOUN
ajbmeb-358	13	3	that	that	SCONJ
ajbmeb-358	13	4	the	the	DET
ajbmeb-358	13	5	issues	issue	NOUN
ajbmeb-358	13	6	of	of	ADP
ajbmeb-358	13	7	forward	forward	ADV
ajbmeb-358	13	8	looking	look	VERB
ajbmeb-358	13	9	approach	approach	NOUN
ajbmeb-358	13	10	in	in	ADP
ajbmeb-358	13	11	american	american	ADJ
ajbmeb-358	13	12	journal	journal	PROPN
ajbmeb-358	13	13	of	of	ADP
ajbmeb-358	13	14	business	business	NOUN
ajbmeb-358	13	15	management	management	NOUN
ajbmeb-358	13	16	,	,	PUNCT
ajbmeb-358	13	17	economics	economic	NOUN
ajbmeb-358	13	18	and	and	CCONJ
ajbmeb-358	13	19	banking	banking	NOUN
ajbmeb-358	13	20	volume	volume	NOUN
ajbmeb-358	13	21	8	8	NUM
ajbmeb-358	13	22	,	,	PUNCT
ajbmeb-358	13	23	jan	jan	PROPN
ajbmeb-358	13	24	.	.	PROPN
ajbmeb-358	13	25	,	,	PUNCT
ajbmeb-358	13	26	2023	2023	NUM
ajbmeb-358	13	27	p	p	NOUN
ajbmeb-358	13	28	a	a	PRON
ajbmeb-358	13	29	g	g	NOUN
ajbmeb-358	13	30	e	e	NOUN
ajbmeb-358	13	31	|	|	ADV
ajbmeb-358	13	32	85	85	NUM
ajbmeb-358	13	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	13	34	determining	determine	VERB
ajbmeb-358	13	35	the	the	DET
ajbmeb-358	13	36	final	final	ADJ
ajbmeb-358	13	37	,	,	PUNCT
ajbmeb-358	13	38	intermediate	intermediate	ADJ
ajbmeb-358	13	39	and	and	CCONJ
ajbmeb-358	13	40	operational	operational	ADJ
ajbmeb-358	13	41	goals	goal	NOUN
ajbmeb-358	13	42	of	of	ADP
ajbmeb-358	13	43	the	the	DET
ajbmeb-358	13	44	deposit	deposit	NOUN
ajbmeb-358	13	45	policy	policy	NOUN
ajbmeb-358	13	46	as	as	ADP
ajbmeb-358	13	47	a	a	DET
ajbmeb-358	13	48	component	component	NOUN
ajbmeb-358	13	49	of	of	ADP
ajbmeb-358	13	50	the	the	DET
ajbmeb-358	13	51	development	development	NOUN
ajbmeb-358	13	52	strategy	strategy	NOUN
ajbmeb-358	13	53	of	of	ADP
ajbmeb-358	13	54	the	the	DET
ajbmeb-358	13	55	bank	bank	NOUN
ajbmeb-358	13	56	in	in	ADP
ajbmeb-358	13	57	the	the	DET
ajbmeb-358	13	58	formation	formation	NOUN
ajbmeb-358	13	59	of	of	ADP
ajbmeb-358	13	60	the	the	DET
ajbmeb-358	13	61	deposit	deposit	NOUN
ajbmeb-358	13	62	policy	policy	NOUN
ajbmeb-358	13	63	are	be	AUX
ajbmeb-358	13	64	neglected	neglect	VERB
ajbmeb-358	13	65	in	in	ADP
ajbmeb-358	13	66	the	the	DET
ajbmeb-358	13	67	research	research	NOUN
ajbmeb-358	13	68	conducted	conduct	VERB
ajbmeb-358	13	69	today	today	NOUN
ajbmeb-358	13	70	,	,	PUNCT
ajbmeb-358	13	71	makes	make	VERB
ajbmeb-358	13	72	it	it	PRON
ajbmeb-358	13	73	necessary	necessary	ADJ
ajbmeb-358	13	74	to	to	PART
ajbmeb-358	13	75	activate	activate	VERB
ajbmeb-358	13	76	the	the	DET
ajbmeb-358	13	77	research	research	NOUN
ajbmeb-358	13	78	in	in	ADP
ajbmeb-358	13	79	this	this	DET
ajbmeb-358	13	80	regard	regard	NOUN
ajbmeb-358	13	81	.	.	PUNCT
ajbmeb-358	14	1	the	the	DET
ajbmeb-358	14	2	reforms	reform	NOUN
ajbmeb-358	14	3	carried	carry	VERB
ajbmeb-358	14	4	out	out	ADP
ajbmeb-358	14	5	in	in	ADP
ajbmeb-358	14	6	the	the	DET
ajbmeb-358	14	7	banking	banking	NOUN
ajbmeb-358	14	8	system	system	NOUN
ajbmeb-358	14	9	of	of	ADP
ajbmeb-358	14	10	uzbekistan	uzbekistan	PROPN
ajbmeb-358	14	11	are	be	AUX
ajbmeb-358	14	12	aimed	aim	VERB
ajbmeb-358	14	13	at	at	ADP
ajbmeb-358	14	14	increasing	increase	VERB
ajbmeb-358	14	15	the	the	DET
ajbmeb-358	14	16	level	level	NOUN
ajbmeb-358	14	17	of	of	ADP
ajbmeb-358	14	18	capitalization	capitalization	NOUN
ajbmeb-358	14	19	of	of	ADP
ajbmeb-358	14	20	commercial	commercial	ADJ
ajbmeb-358	14	21	banks	bank	NOUN
ajbmeb-358	14	22	,	,	PUNCT
ajbmeb-358	14	23	ensuring	ensure	VERB
ajbmeb-358	14	24	their	their	PRON
ajbmeb-358	14	25	financial	financial	ADJ
ajbmeb-358	14	26	stability	stability	NOUN
ajbmeb-358	14	27	,	,	PUNCT
ajbmeb-358	14	28	expanding	expand	VERB
ajbmeb-358	14	29	the	the	DET
ajbmeb-358	14	30	scope	scope	NOUN
ajbmeb-358	14	31	of	of	ADP
ajbmeb-358	14	32	lending	lend	VERB
ajbmeb-358	14	33	to	to	ADP
ajbmeb-358	14	34	the	the	DET
ajbmeb-358	14	35	real	real	ADJ
ajbmeb-358	14	36	sector	sector	NOUN
ajbmeb-358	14	37	of	of	ADP
ajbmeb-358	14	38	the	the	DET
ajbmeb-358	14	39	economy	economy	NOUN
ajbmeb-358	14	40	,	,	PUNCT
ajbmeb-358	14	41	improving	improve	VERB
ajbmeb-358	14	42	the	the	DET
ajbmeb-358	14	43	quality	quality	NOUN
ajbmeb-358	14	44	of	of	ADP
ajbmeb-358	14	45	banking	banking	NOUN
ajbmeb-358	14	46	services	service	NOUN
ajbmeb-358	14	47	,	,	PUNCT
ajbmeb-358	14	48	attracting	attract	VERB
ajbmeb-358	14	49	the	the	DET
ajbmeb-358	14	50	free	free	ADJ
ajbmeb-358	14	51	funds	fund	NOUN
ajbmeb-358	14	52	of	of	ADP
ajbmeb-358	14	53	the	the	DET
ajbmeb-358	14	54	population	population	NOUN
ajbmeb-358	14	55	and	and	CCONJ
ajbmeb-358	14	56	economic	economic	ADJ
ajbmeb-358	14	57	entities	entity	NOUN
ajbmeb-358	14	58	to	to	ADP
ajbmeb-358	14	59	bank	bank	NOUN
ajbmeb-358	14	60	deposits	deposit	NOUN
ajbmeb-358	14	61	,	,	PUNCT
ajbmeb-358	14	62	and	and	CCONJ
ajbmeb-358	14	63	the	the	DET
ajbmeb-358	14	64	strategic	strategic	ADJ
ajbmeb-358	14	65	importance	importance	NOUN
ajbmeb-358	14	66	of	of	ADP
ajbmeb-358	14	67	the	the	DET
ajbmeb-358	14	68	economy	economy	NOUN
ajbmeb-358	14	69	.	.	PUNCT
ajbmeb-358	15	1	a	a	DET
ajbmeb-358	15	2	number	number	NOUN
ajbmeb-358	15	3	of	of	ADP
ajbmeb-358	15	4	problems	problem	NOUN
ajbmeb-358	15	5	related	relate	VERB
ajbmeb-358	15	6	to	to	ADP
ajbmeb-358	15	7	improving	improve	VERB
ajbmeb-358	15	8	the	the	DET
ajbmeb-358	15	9	relevant	relevant	ADJ
ajbmeb-358	15	10	bank	bank	NOUN
ajbmeb-358	15	11	policies	policy	NOUN
ajbmeb-358	15	12	for	for	ADP
ajbmeb-358	15	13	effective	effective	ADJ
ajbmeb-358	15	14	placement	placement	NOUN
ajbmeb-358	15	15	in	in	ADP
ajbmeb-358	15	16	the	the	DET
ajbmeb-358	15	17	networks	network	NOUN
ajbmeb-358	15	18	,	,	PUNCT
ajbmeb-358	15	19	implementing	implement	VERB
ajbmeb-358	15	20	innovative	innovative	ADJ
ajbmeb-358	15	21	and	and	CCONJ
ajbmeb-358	15	22	beneficial	beneficial	ADJ
ajbmeb-358	15	23	types	type	NOUN
ajbmeb-358	15	24	of	of	ADP
ajbmeb-358	15	25	bank	bank	NOUN
ajbmeb-358	15	26	deposit	deposit	NOUN
ajbmeb-358	15	27	services	service	NOUN
ajbmeb-358	15	28	for	for	ADP
ajbmeb-358	15	29	customers	customer	NOUN
ajbmeb-358	15	30	,	,	PUNCT
ajbmeb-358	15	31	strengthening	strengthen	VERB
ajbmeb-358	15	32	the	the	DET
ajbmeb-358	15	33	trust	trust	NOUN
ajbmeb-358	15	34	of	of	ADP
ajbmeb-358	15	35	the	the	DET
ajbmeb-358	15	36	population	population	NOUN
ajbmeb-358	15	37	and	and	CCONJ
ajbmeb-358	15	38	business	business	NOUN
ajbmeb-358	15	39	entities	entity	NOUN
ajbmeb-358	15	40	in	in	ADP
ajbmeb-358	15	41	the	the	DET
ajbmeb-358	15	42	banking	banking	NOUN
ajbmeb-358	15	43	system	system	NOUN
ajbmeb-358	15	44	,	,	PUNCT
ajbmeb-358	15	45	increasing	increase	VERB
ajbmeb-358	15	46	the	the	DET
ajbmeb-358	15	47	level	level	NOUN
ajbmeb-358	15	48	of	of	ADP
ajbmeb-358	15	49	efficiency	efficiency	NOUN
ajbmeb-358	15	50	of	of	ADP
ajbmeb-358	15	51	banking	banking	NOUN
ajbmeb-358	15	52	services	service	NOUN
ajbmeb-358	15	53	aimed	aim	VERB
ajbmeb-358	15	54	at	at	ADP
ajbmeb-358	15	55	improving	improve	VERB
ajbmeb-358	15	56	the	the	DET
ajbmeb-358	15	57	deposit	deposit	NOUN
ajbmeb-358	15	58	policy	policy	NOUN
ajbmeb-358	15	59	of	of	ADP
ajbmeb-358	15	60	commercial	commercial	ADJ
ajbmeb-358	15	61	banks	bank	NOUN
ajbmeb-358	15	62	determines	determine	VERB
ajbmeb-358	15	63	the	the	DET
ajbmeb-358	15	64	urgency	urgency	NOUN
ajbmeb-358	15	65	of	of	ADP
ajbmeb-358	15	66	developing	develop	VERB
ajbmeb-358	15	67	proposals	proposal	NOUN
ajbmeb-358	15	68	and	and	CCONJ
ajbmeb-358	15	69	practical	practical	ADJ
ajbmeb-358	15	70	recommendations	recommendation	NOUN
ajbmeb-358	15	71	.	.	PUNCT
ajbmeb-358	16	1	the	the	DET
ajbmeb-358	16	2	strategy	strategy	NOUN
ajbmeb-358	16	3	of	of	ADP
ajbmeb-358	16	4	actions	action	NOUN
ajbmeb-358	16	5	for	for	ADP
ajbmeb-358	16	6	further	further	ADJ
ajbmeb-358	16	7	development	development	NOUN
ajbmeb-358	16	8	of	of	ADP
ajbmeb-358	16	9	the	the	DET
ajbmeb-358	16	10	republic	republic	NOUN
ajbmeb-358	16	11	of	of	ADP
ajbmeb-358	16	12	uzbekistan	uzbekistan	PROPN
ajbmeb-358	16	13	,	,	PUNCT
ajbmeb-358	16	14	approved	approve	VERB
ajbmeb-358	16	15	by	by	ADP
ajbmeb-358	16	16	the	the	DET
ajbmeb-358	16	17	decree	decree	NOUN
ajbmeb-358	16	18	of	of	ADP
ajbmeb-358	16	19	the	the	DET
ajbmeb-358	16	20	president	president	NOUN
ajbmeb-358	16	21	of	of	ADP
ajbmeb-358	16	22	the	the	DET
ajbmeb-358	16	23	republic	republic	NOUN
ajbmeb-358	16	24	of	of	ADP
ajbmeb-358	16	25	uzbekistan	uzbekistan	PROPN
ajbmeb-358	16	26	no	no	PROPN
ajbmeb-358	16	27	.	.	PUNCT
ajbmeb-358	16	28	pf-4947	pf-4947	PROPN
ajbmeb-358	16	29	of	of	ADP
ajbmeb-358	16	30	february	february	PROPN
ajbmeb-358	16	31	7	7	NUM
ajbmeb-358	16	32	,	,	PUNCT
ajbmeb-358	16	33	2017[3	2017[3	NUM
ajbmeb-358	16	34	]	]	PUNCT
ajbmeb-358	16	35	,	,	PUNCT
ajbmeb-358	16	36	as	as	ADV
ajbmeb-358	16	37	well	well	ADV
ajbmeb-358	16	38	as	as	ADP
ajbmeb-358	16	39	the	the	DET
ajbmeb-358	16	40	tasks	task	NOUN
ajbmeb-358	16	41	defined	define	VERB
ajbmeb-358	16	42	in	in	ADP
ajbmeb-358	16	43	the	the	DET
ajbmeb-358	16	44	relevant	relevant	ADJ
ajbmeb-358	16	45	decrees	decree	NOUN
ajbmeb-358	16	46	and	and	CCONJ
ajbmeb-358	16	47	decisions	decision	NOUN
ajbmeb-358	16	48	of	of	ADP
ajbmeb-358	16	49	the	the	DET
ajbmeb-358	16	50	president	president	NOUN
ajbmeb-358	16	51	of	of	ADP
ajbmeb-358	16	52	the	the	DET
ajbmeb-358	16	53	republic	republic	NOUN
ajbmeb-358	16	54	of	of	ADP
ajbmeb-358	16	55	uzbekistan	uzbekistan	PROPN
ajbmeb-358	16	56	,	,	PUNCT
ajbmeb-358	16	57	are	be	AUX
ajbmeb-358	16	58	fundamental	fundamental	ADJ
ajbmeb-358	16	59	in	in	ADP
ajbmeb-358	16	60	the	the	DET
ajbmeb-358	16	61	process	process	NOUN
ajbmeb-358	16	62	of	of	ADP
ajbmeb-358	16	63	ensuring	ensure	VERB
ajbmeb-358	16	64	the	the	DET
ajbmeb-358	16	65	financial	financial	ADJ
ajbmeb-358	16	66	stability	stability	NOUN
ajbmeb-358	16	67	of	of	ADP
ajbmeb-358	16	68	the	the	DET
ajbmeb-358	16	69	bank	bank	NOUN
ajbmeb-358	16	70	's	's	PART
ajbmeb-358	16	71	activities	activity	NOUN
ajbmeb-358	16	72	and	and	CCONJ
ajbmeb-358	16	73	increasing	increase	VERB
ajbmeb-358	16	74	the	the	DET
ajbmeb-358	16	75	efficiency	efficiency	NOUN
ajbmeb-358	16	76	of	of	ADP
ajbmeb-358	16	77	its	its	PRON
ajbmeb-358	16	78	activities	activity	NOUN
ajbmeb-358	16	79	.	.	PUNCT
ajbmeb-358	17	1	changes	change	NOUN
ajbmeb-358	17	2	are	be	AUX
ajbmeb-358	17	3	taking	take	VERB
ajbmeb-358	17	4	place	place	NOUN
ajbmeb-358	17	5	.	.	PUNCT
ajbmeb-358	18	1	this	this	PRON
ajbmeb-358	18	2	has	have	AUX
ajbmeb-358	18	3	led	lead	VERB
ajbmeb-358	18	4	to	to	ADP
ajbmeb-358	18	5	increasing	increase	VERB
ajbmeb-358	18	6	the	the	DET
ajbmeb-358	18	7	importance	importance	NOUN
ajbmeb-358	18	8	and	and	CCONJ
ajbmeb-358	18	9	role	role	NOUN
ajbmeb-358	18	10	of	of	ADP
ajbmeb-358	18	11	deposit	deposit	NOUN
ajbmeb-358	18	12	policy	policy	NOUN
ajbmeb-358	18	13	in	in	ADP
ajbmeb-358	18	14	the	the	DET
ajbmeb-358	18	15	implementation	implementation	NOUN
ajbmeb-358	18	16	of	of	ADP
ajbmeb-358	18	17	strategic	strategic	ADJ
ajbmeb-358	18	18	goals	goal	NOUN
ajbmeb-358	18	19	of	of	ADP
ajbmeb-358	18	20	banks	bank	NOUN
ajbmeb-358	18	21	and	and	CCONJ
ajbmeb-358	18	22	forming	form	VERB
ajbmeb-358	18	23	a	a	DET
ajbmeb-358	18	24	solid	solid	ADJ
ajbmeb-358	18	25	resource	resource	NOUN
ajbmeb-358	18	26	base	base	NOUN
ajbmeb-358	18	27	,	,	PUNCT
ajbmeb-358	18	28	as	as	ADV
ajbmeb-358	18	29	well	well	ADV
ajbmeb-358	18	30	as	as	ADP
ajbmeb-358	18	31	issues	issue	NOUN
ajbmeb-358	18	32	related	relate	VERB
ajbmeb-358	18	33	to	to	ADP
ajbmeb-358	18	34	its	its	PRON
ajbmeb-358	18	35	improvement	improvement	NOUN
ajbmeb-358	18	36	,	,	PUNCT
ajbmeb-358	18	37	becoming	become	VERB
ajbmeb-358	18	38	one	one	NUM
ajbmeb-358	18	39	of	of	ADP
ajbmeb-358	18	40	the	the	DET
ajbmeb-358	18	41	urgent	urgent	ADJ
ajbmeb-358	18	42	directions	direction	NOUN
ajbmeb-358	18	43	of	of	ADP
ajbmeb-358	18	44	scientific	scientific	ADJ
ajbmeb-358	18	45	research	research	NOUN
ajbmeb-358	18	46	.	.	PUNCT
ajbmeb-358	19	1	based	base	VERB
ajbmeb-358	19	2	on	on	ADP
ajbmeb-358	19	3	this	this	PRON
ajbmeb-358	19	4	,	,	PUNCT
ajbmeb-358	19	5	in	in	ADP
ajbmeb-358	19	6	this	this	DET
ajbmeb-358	19	7	article	article	NOUN
ajbmeb-358	19	8	,	,	PUNCT
ajbmeb-358	19	9	we	we	PRON
ajbmeb-358	19	10	will	will	AUX
ajbmeb-358	19	11	try	try	VERB
ajbmeb-358	19	12	to	to	PART
ajbmeb-358	19	13	analyze	analyze	VERB
ajbmeb-358	19	14	the	the	DET
ajbmeb-358	19	15	content	content	NOUN
ajbmeb-358	19	16	and	and	CCONJ
ajbmeb-358	19	17	essence	essence	NOUN
ajbmeb-358	19	18	of	of	ADP
ajbmeb-358	19	19	the	the	DET
ajbmeb-358	19	20	scientific	scientific	ADJ
ajbmeb-358	19	21	and	and	CCONJ
ajbmeb-358	19	22	practical	practical	ADJ
ajbmeb-358	19	23	approaches	approach	NOUN
ajbmeb-358	19	24	formed	form	VERB
ajbmeb-358	19	25	in	in	ADP
ajbmeb-358	19	26	relation	relation	NOUN
ajbmeb-358	19	27	to	to	ADP
ajbmeb-358	19	28	the	the	DET
ajbmeb-358	19	29	structural	structural	ADJ
ajbmeb-358	19	30	elements	element	NOUN
ajbmeb-358	19	31	and	and	CCONJ
ajbmeb-358	19	32	principles	principle	NOUN
ajbmeb-358	19	33	of	of	ADP
ajbmeb-358	19	34	the	the	DET
ajbmeb-358	19	35	deposit	deposit	NOUN
ajbmeb-358	19	36	policy	policy	NOUN
ajbmeb-358	19	37	.	.	PUNCT
ajbmeb-358	20	1	analysis	analysis	NOUN
ajbmeb-358	20	2	of	of	ADP
ajbmeb-358	20	3	literature	literature	NOUN
ajbmeb-358	20	4	on	on	ADP
ajbmeb-358	20	5	the	the	DET
ajbmeb-358	20	6	topic	topic	NOUN
ajbmeb-358	20	7	the	the	DET
ajbmeb-358	20	8	conducted	conduct	VERB
ajbmeb-358	20	9	research	research	NOUN
ajbmeb-358	20	10	allows	allow	VERB
ajbmeb-358	20	11	us	we	PRON
ajbmeb-358	20	12	to	to	PART
ajbmeb-358	20	13	conclude	conclude	VERB
ajbmeb-358	20	14	that	that	SCONJ
ajbmeb-358	20	15	there	there	PRON
ajbmeb-358	20	16	are	be	VERB
ajbmeb-358	20	17	two	two	NUM
ajbmeb-358	20	18	main	main	ADJ
ajbmeb-358	20	19	scientific	scientific	ADJ
ajbmeb-358	20	20	approaches	approach	NOUN
ajbmeb-358	20	21	that	that	PRON
ajbmeb-358	20	22	differ	differ	VERB
ajbmeb-358	20	23	significantly	significantly	ADV
ajbmeb-358	20	24	from	from	ADP
ajbmeb-358	20	25	each	each	DET
ajbmeb-358	20	26	other	other	ADJ
ajbmeb-358	20	27	regarding	regard	VERB
ajbmeb-358	20	28	the	the	DET
ajbmeb-358	20	29	structural	structural	ADJ
ajbmeb-358	20	30	elements	element	NOUN
ajbmeb-358	20	31	of	of	ADP
ajbmeb-358	20	32	the	the	DET
ajbmeb-358	20	33	deposit	deposit	NOUN
ajbmeb-358	20	34	policy	policy	NOUN
ajbmeb-358	20	35	of	of	ADP
ajbmeb-358	20	36	commercial	commercial	ADJ
ajbmeb-358	20	37	banks	bank	NOUN
ajbmeb-358	20	38	and	and	CCONJ
ajbmeb-358	20	39	their	their	PRON
ajbmeb-358	20	40	economic	economic	ADJ
ajbmeb-358	20	41	essence	essence	NOUN
ajbmeb-358	20	42	.	.	PUNCT
ajbmeb-358	21	1	taking	take	VERB
ajbmeb-358	21	2	into	into	ADP
ajbmeb-358	21	3	account	account	NOUN
ajbmeb-358	21	4	that	that	SCONJ
ajbmeb-358	21	5	such	such	ADJ
ajbmeb-358	21	6	grouping	grouping	NOUN
ajbmeb-358	21	7	of	of	ADP
ajbmeb-358	21	8	approaches	approach	NOUN
ajbmeb-358	21	9	is	be	AUX
ajbmeb-358	21	10	not	not	PART
ajbmeb-358	21	11	mentioned	mention	VERB
ajbmeb-358	21	12	in	in	ADP
ajbmeb-358	21	13	scientific	scientific	ADJ
ajbmeb-358	21	14	sources	source	NOUN
ajbmeb-358	21	15	,	,	PUNCT
ajbmeb-358	21	16	grouping	group	VERB
ajbmeb-358	21	17	the	the	DET
ajbmeb-358	21	18	first	first	ADJ
ajbmeb-358	21	19	direction	direction	NOUN
ajbmeb-358	21	20	as	as	ADP
ajbmeb-358	21	21	a	a	DET
ajbmeb-358	21	22	scientific	scientific	ADJ
ajbmeb-358	21	23	approach	approach	NOUN
ajbmeb-358	21	24	based	base	VERB
ajbmeb-358	21	25	on	on	ADP
ajbmeb-358	21	26	"	"	PUNCT
ajbmeb-358	21	27	formulation	formulation	NOUN
ajbmeb-358	21	28	of	of	ADP
ajbmeb-358	21	29	deposit	deposit	NOUN
ajbmeb-358	21	30	policy	policy	NOUN
ajbmeb-358	21	31	based	base	VERB
ajbmeb-358	21	32	on	on	ADP
ajbmeb-358	21	33	the	the	DET
ajbmeb-358	21	34	marketing	marketing	NOUN
ajbmeb-358	21	35	concept	concept	NOUN
ajbmeb-358	21	36	"	"	PUNCT
ajbmeb-358	21	37	,	,	PUNCT
ajbmeb-358	21	38	and	and	CCONJ
ajbmeb-358	21	39	the	the	DET
ajbmeb-358	21	40	second	second	ADJ
ajbmeb-358	21	41	direction	direction	NOUN
ajbmeb-358	21	42	as	as	ADP
ajbmeb-358	21	43	a	a	DET
ajbmeb-358	21	44	scientific	scientific	ADJ
ajbmeb-358	21	45	approach	approach	NOUN
ajbmeb-358	21	46	based	base	VERB
ajbmeb-358	21	47	on	on	ADP
ajbmeb-358	21	48	"	"	PUNCT
ajbmeb-358	21	49	formulation	formulation	NOUN
ajbmeb-358	21	50	of	of	ADP
ajbmeb-358	21	51	deposit	deposit	NOUN
ajbmeb-358	21	52	policy	policy	NOUN
ajbmeb-358	21	53	as	as	ADP
ajbmeb-358	21	54	a	a	DET
ajbmeb-358	21	55	separate	separate	ADJ
ajbmeb-358	21	56	system	system	NOUN
ajbmeb-358	21	57	"	"	PUNCT
ajbmeb-358	21	58	,	,	PUNCT
ajbmeb-358	21	59	in	in	ADP
ajbmeb-358	21	60	our	our	PRON
ajbmeb-358	21	61	opinion	opinion	NOUN
ajbmeb-358	21	62	,	,	PUNCT
ajbmeb-358	21	63	is	be	AUX
ajbmeb-358	21	64	appropriate	appropriate	ADJ
ajbmeb-358	21	65	.	.	PUNCT
ajbmeb-358	22	1	in	in	ADP
ajbmeb-358	22	2	the	the	DET
ajbmeb-358	22	3	majority	majority	NOUN
ajbmeb-358	22	4	of	of	ADP
ajbmeb-358	22	5	scientific	scientific	ADJ
ajbmeb-358	22	6	and	and	CCONJ
ajbmeb-358	22	7	practical	practical	ADJ
ajbmeb-358	22	8	sources	source	NOUN
ajbmeb-358	22	9	,	,	PUNCT
ajbmeb-358	22	10	carried	carry	VERB
ajbmeb-358	22	11	out	out	ADP
ajbmeb-358	22	12	within	within	ADP
ajbmeb-358	22	13	the	the	DET
ajbmeb-358	22	14	framework	framework	NOUN
ajbmeb-358	22	15	of	of	ADP
ajbmeb-358	22	16	the	the	DET
ajbmeb-358	22	17	first	first	ADJ
ajbmeb-358	22	18	scientific	scientific	ADJ
ajbmeb-358	22	19	approach	approach	NOUN
ajbmeb-358	22	20	,	,	PUNCT
ajbmeb-358	22	21	the	the	DET
ajbmeb-358	22	22	structural	structural	ADJ
ajbmeb-358	22	23	elements	element	NOUN
ajbmeb-358	22	24	that	that	PRON
ajbmeb-358	22	25	should	should	AUX
ajbmeb-358	22	26	be	be	AUX
ajbmeb-358	22	27	paid	pay	VERB
ajbmeb-358	22	28	attention	attention	NOUN
ajbmeb-358	22	29	to	to	ADP
ajbmeb-358	22	30	in	in	ADP
ajbmeb-358	22	31	the	the	DET
ajbmeb-358	22	32	development	development	NOUN
ajbmeb-358	22	33	of	of	ADP
ajbmeb-358	22	34	the	the	DET
ajbmeb-358	22	35	deposit	deposit	NOUN
ajbmeb-358	22	36	policy	policy	NOUN
ajbmeb-358	22	37	of	of	ADP
ajbmeb-358	22	38	commercial	commercial	ADJ
ajbmeb-358	22	39	banks	bank	NOUN
ajbmeb-358	22	40	include	include	VERB
ajbmeb-358	22	41	:	:	PUNCT
ajbmeb-358	22	42	determination	determination	NOUN
ajbmeb-358	22	43	of	of	ADP
ajbmeb-358	22	44	market	market	NOUN
ajbmeb-358	22	45	segmentation	segmentation	NOUN
ajbmeb-358	22	46	;	;	PUNCT
ajbmeb-358	22	47	positioning	positioning	NOUN
ajbmeb-358	22	48	;	;	PUNCT
ajbmeb-358	22	49	customer	customer	NOUN
ajbmeb-358	22	50	profitability	profitability	NOUN
ajbmeb-358	22	51	;	;	PUNCT
ajbmeb-358	22	52	customer	customer	NOUN
ajbmeb-358	22	53	satisfaction	satisfaction	NOUN
ajbmeb-358	22	54	;	;	PUNCT
ajbmeb-358	22	55	the	the	DET
ajbmeb-358	22	56	level	level	NOUN
ajbmeb-358	22	57	of	of	ADP
ajbmeb-358	22	58	efficiency	efficiency	NOUN
ajbmeb-358	22	59	of	of	ADP
ajbmeb-358	22	60	the	the	DET
ajbmeb-358	22	61	provided	provide	VERB
ajbmeb-358	22	62	services	service	NOUN
ajbmeb-358	22	63	is	be	AUX
ajbmeb-358	22	64	entered	enter	VERB
ajbmeb-358	22	65	.	.	PUNCT
ajbmeb-358	23	1	we	we	PRON
ajbmeb-358	23	2	will	will	AUX
ajbmeb-358	23	3	try	try	VERB
ajbmeb-358	23	4	to	to	PART
ajbmeb-358	23	5	determine	determine	VERB
ajbmeb-358	23	6	the	the	DET
ajbmeb-358	23	7	main	main	ADJ
ajbmeb-358	23	8	features	feature	NOUN
ajbmeb-358	23	9	that	that	PRON
ajbmeb-358	23	10	classify	classify	VERB
ajbmeb-358	23	11	each	each	PRON
ajbmeb-358	23	12	of	of	ADP
ajbmeb-358	23	13	the	the	DET
ajbmeb-358	23	14	structural	structural	ADJ
ajbmeb-358	23	15	elements	element	NOUN
ajbmeb-358	23	16	based	base	VERB
ajbmeb-358	23	17	on	on	ADP
ajbmeb-358	23	18	the	the	DET
ajbmeb-358	23	19	opinions	opinion	NOUN
ajbmeb-358	23	20	and	and	CCONJ
ajbmeb-358	23	21	comments	comment	NOUN
ajbmeb-358	23	22	expressed	express	VERB
ajbmeb-358	23	23	by	by	ADP
ajbmeb-358	23	24	the	the	DET
ajbmeb-358	23	25	leading	lead	VERB
ajbmeb-358	23	26	scientists	scientist	NOUN
ajbmeb-358	23	27	of	of	ADP
ajbmeb-358	23	28	this	this	DET
ajbmeb-358	23	29	field	field	NOUN
ajbmeb-358	23	30	.	.	PUNCT
ajbmeb-358	24	1	in	in	ADP
ajbmeb-358	24	2	particular	particular	ADJ
ajbmeb-358	24	3	,	,	PUNCT
ajbmeb-358	24	4	according	accord	VERB
ajbmeb-358	24	5	to	to	ADP
ajbmeb-358	24	6	scientists	scientists	PROPN
ajbmeb-358	24	7	f.	f.	PROPN
ajbmeb-358	24	8	kotler	kotler	PROPN
ajbmeb-358	24	9	,	,	PUNCT
ajbmeb-358	24	10	g.	g.	PROPN
ajbmeb-358	24	11	armstrong	armstrong	PROPN
ajbmeb-358	24	12	,	,	PUNCT
ajbmeb-358	24	13	d.	d.	PROPN
ajbmeb-358	24	14	saunders	saunders	PROPN
ajbmeb-358	24	15	,	,	PUNCT
ajbmeb-358	24	16	v.	v.	ADP
ajbmeb-358	24	17	wangi	wangi	PROPN
ajbmeb-358	25	1	[	[	X
ajbmeb-358	25	2	4	4	NUM
ajbmeb-358	25	3	]	]	PUNCT
ajbmeb-358	25	4	,	,	PUNCT
ajbmeb-358	25	5	k.	k.	PROPN
ajbmeb-358	25	6	r.	r.	PROPN
ajbmeb-358	25	7	darrell	darrell	PROPN
ajbmeb-358	26	1	[	[	X
ajbmeb-358	26	2	5	5	NUM
ajbmeb-358	26	3	]	]	PUNCT
ajbmeb-358	26	4	,	,	PUNCT
ajbmeb-358	26	5	s.	s.	PROPN
ajbmeb-358	26	6	allard	allard	PROPN
ajbmeb-358	27	1	[	[	X
ajbmeb-358	27	2	6	6	NUM
ajbmeb-358	27	3	]	]	PUNCT
ajbmeb-358	27	4	,	,	PUNCT
ajbmeb-358	27	5	who	who	PRON
ajbmeb-358	27	6	are	be	AUX
ajbmeb-358	27	7	considered	consider	VERB
ajbmeb-358	27	8	to	to	PART
ajbmeb-358	27	9	be	be	AUX
ajbmeb-358	27	10	leading	lead	VERB
ajbmeb-358	27	11	experts	expert	NOUN
ajbmeb-358	27	12	in	in	ADP
ajbmeb-358	27	13	the	the	DET
ajbmeb-358	27	14	field	field	NOUN
ajbmeb-358	27	15	of	of	ADP
ajbmeb-358	27	16	marketing	marketing	NOUN
ajbmeb-358	27	17	,	,	PUNCT
ajbmeb-358	27	18	commercial	commercial	ADJ
ajbmeb-358	27	19	organizations	organization	NOUN
ajbmeb-358	27	20	should	should	AUX
ajbmeb-358	27	21	american	american	PROPN
ajbmeb-358	27	22	journal	journal	PROPN
ajbmeb-358	27	23	of	of	ADP
ajbmeb-358	27	24	business	business	NOUN
ajbmeb-358	27	25	management	management	NOUN
ajbmeb-358	27	26	,	,	PUNCT
ajbmeb-358	27	27	economics	economic	NOUN
ajbmeb-358	27	28	and	and	CCONJ
ajbmeb-358	27	29	banking	banking	NOUN
ajbmeb-358	27	30	volume	volume	NOUN
ajbmeb-358	27	31	8	8	NUM
ajbmeb-358	27	32	,	,	PUNCT
ajbmeb-358	27	33	jan	jan	PROPN
ajbmeb-358	27	34	.	.	PROPN
ajbmeb-358	27	35	,	,	PUNCT
ajbmeb-358	27	36	2023	2023	NUM
ajbmeb-358	27	37	p	p	NOUN
ajbmeb-358	27	38	a	a	PRON
ajbmeb-358	27	39	g	g	NOUN
ajbmeb-358	27	40	e	e	PROPN
ajbmeb-358	28	1	|	|	ADV
ajbmeb-358	28	2	86	86	NUM
ajbmeb-358	28	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	28	4	promote	promote	VERB
ajbmeb-358	28	5	their	their	PRON
ajbmeb-358	28	6	products	product	NOUN
ajbmeb-358	28	7	and	and	CCONJ
ajbmeb-358	28	8	when	when	SCONJ
ajbmeb-358	28	9	developing	develop	VERB
ajbmeb-358	28	10	the	the	DET
ajbmeb-358	28	11	policy	policy	NOUN
ajbmeb-358	28	12	of	of	ADP
ajbmeb-358	28	13	offering	offer	VERB
ajbmeb-358	28	14	services	service	NOUN
ajbmeb-358	28	15	,	,	PUNCT
ajbmeb-358	28	16	it	it	PRON
ajbmeb-358	28	17	is	be	AUX
ajbmeb-358	28	18	necessary	necessary	ADJ
ajbmeb-358	28	19	to	to	PART
ajbmeb-358	28	20	carry	carry	VERB
ajbmeb-358	28	21	out	out	ADP
ajbmeb-358	28	22	the	the	DET
ajbmeb-358	28	23	segmentation	segmentation	NOUN
ajbmeb-358	28	24	of	of	ADP
ajbmeb-358	28	25	the	the	DET
ajbmeb-358	28	26	intended	intended	ADJ
ajbmeb-358	28	27	market	market	NOUN
ajbmeb-358	28	28	(	(	PUNCT
ajbmeb-358	28	29	that	that	ADV
ajbmeb-358	28	30	is	is	ADV
ajbmeb-358	28	31	,	,	PUNCT
ajbmeb-358	28	32	the	the	DET
ajbmeb-358	28	33	grouping	grouping	NOUN
ajbmeb-358	28	34	of	of	ADP
ajbmeb-358	28	35	customers	customer	NOUN
ajbmeb-358	28	36	according	accord	VERB
ajbmeb-358	28	37	to	to	ADP
ajbmeb-358	28	38	the	the	DET
ajbmeb-358	28	39	general	general	ADJ
ajbmeb-358	28	40	demand	demand	NOUN
ajbmeb-358	28	41	,	,	PUNCT
ajbmeb-358	28	42	characteristics	characteristic	NOUN
ajbmeb-358	28	43	or	or	CCONJ
ajbmeb-358	28	44	behavior	behavior	NOUN
ajbmeb-358	28	45	of	of	ADP
ajbmeb-358	28	46	the	the	DET
ajbmeb-358	28	47	market	market	NOUN
ajbmeb-358	28	48	)	)	PUNCT
ajbmeb-358	28	49	.	.	PUNCT
ajbmeb-358	29	1	after	after	ADP
ajbmeb-358	29	2	defining	define	VERB
ajbmeb-358	29	3	the	the	DET
ajbmeb-358	29	4	market	market	NOUN
ajbmeb-358	29	5	segment	segment	NOUN
ajbmeb-358	29	6	,	,	PUNCT
ajbmeb-358	29	7	the	the	DET
ajbmeb-358	29	8	bank	bank	NOUN
ajbmeb-358	29	9	needs	need	VERB
ajbmeb-358	29	10	to	to	PART
ajbmeb-358	29	11	define	define	VERB
ajbmeb-358	29	12	its	its	PRON
ajbmeb-358	29	13	target	target	NOUN
ajbmeb-358	29	14	customers	customer	NOUN
ajbmeb-358	29	15	.	.	PUNCT
ajbmeb-358	30	1	this	this	DET
ajbmeb-358	30	2	process	process	NOUN
ajbmeb-358	30	3	is	be	AUX
ajbmeb-358	30	4	called	call	VERB
ajbmeb-358	30	5	market	market	NOUN
ajbmeb-358	30	6	positioning	positioning	NOUN
ajbmeb-358	30	7	of	of	ADP
ajbmeb-358	30	8	the	the	DET
ajbmeb-358	30	9	bank	bank	NOUN
ajbmeb-358	30	10	.	.	PUNCT
ajbmeb-358	31	1	the	the	DET
ajbmeb-358	31	2	term	term	NOUN
ajbmeb-358	31	3	"	"	PUNCT
ajbmeb-358	31	4	positioning	positioning	NOUN
ajbmeb-358	31	5	"	"	PUNCT
ajbmeb-358	31	6	was	be	AUX
ajbmeb-358	31	7	first	first	ADV
ajbmeb-358	31	8	used	use	VERB
ajbmeb-358	31	9	by	by	ADP
ajbmeb-358	31	10	american	american	ADJ
ajbmeb-358	31	11	marketers	marketer	NOUN
ajbmeb-358	31	12	e.rice	e.rice	PROPN
ajbmeb-358	31	13	and	and	CCONJ
ajbmeb-358	31	14	j.trout	j.trout	ADP
ajbmeb-358	32	1	[	[	X
ajbmeb-358	32	2	7	7	X
ajbmeb-358	32	3	]	]	PUNCT
ajbmeb-358	32	4	in	in	ADP
ajbmeb-358	32	5	1982	1982	NUM
ajbmeb-358	32	6	,	,	PUNCT
ajbmeb-358	32	7	"	"	PUNCT
ajbmeb-358	32	8	positioning	positioning	NOUN
ajbmeb-358	32	9	:	:	PUNCT
ajbmeb-358	32	10	the	the	DET
ajbmeb-358	32	11	fight	fight	NOUN
ajbmeb-358	32	12	for	for	ADP
ajbmeb-358	32	13	people	people	NOUN
ajbmeb-358	32	14	who	who	PRON
ajbmeb-358	32	15	know	know	VERB
ajbmeb-358	32	16	you	you	PRON
ajbmeb-358	32	17	"	"	PUNCT
ajbmeb-358	32	18	.	.	PUNCT
ajbmeb-358	33	1	according	accord	VERB
ajbmeb-358	33	2	to	to	ADP
ajbmeb-358	33	3	the	the	DET
ajbmeb-358	33	4	authors	author	NOUN
ajbmeb-358	33	5	,	,	PUNCT
ajbmeb-358	33	6	positioning	positioning	NOUN
ajbmeb-358	33	7	is	be	AUX
ajbmeb-358	33	8	a	a	DET
ajbmeb-358	33	9	communication	communication	NOUN
ajbmeb-358	33	10	mechanism	mechanism	NOUN
ajbmeb-358	33	11	designed	design	VERB
ajbmeb-358	33	12	to	to	PART
ajbmeb-358	33	13	influence	influence	VERB
ajbmeb-358	33	14	the	the	DET
ajbmeb-358	33	15	thinking	thinking	NOUN
ajbmeb-358	33	16	of	of	ADP
ajbmeb-358	33	17	potential	potential	ADJ
ajbmeb-358	33	18	consumers	consumer	NOUN
ajbmeb-358	33	19	without	without	ADP
ajbmeb-358	33	20	being	be	AUX
ajbmeb-358	33	21	directly	directly	ADV
ajbmeb-358	33	22	related	relate	VERB
ajbmeb-358	33	23	to	to	ADP
ajbmeb-358	33	24	the	the	DET
ajbmeb-358	33	25	product	product	NOUN
ajbmeb-358	33	26	or	or	CCONJ
ajbmeb-358	33	27	service	service	NOUN
ajbmeb-358	33	28	.	.	PUNCT
ajbmeb-358	34	1	positioning	positioning	NOUN
ajbmeb-358	34	2	essentially	essentially	ADV
ajbmeb-358	34	3	means	mean	VERB
ajbmeb-358	34	4	:	:	PUNCT
ajbmeb-358	34	5	"	"	PUNCT
ajbmeb-358	34	6	for	for	ADP
ajbmeb-358	34	7	"	"	PUNCT
ajbmeb-358	34	8	(	(	PUNCT
ajbmeb-358	34	9	target	target	NOUN
ajbmeb-358	34	10	market	market	NOUN
ajbmeb-358	34	11	segment	segment	NOUN
ajbmeb-358	34	12	or	or	CCONJ
ajbmeb-358	34	13	demand	demand	NOUN
ajbmeb-358	34	14	)	)	PUNCT
ajbmeb-358	34	15	;	;	PUNCT
ajbmeb-358	34	16	"	"	PUNCT
ajbmeb-358	34	17	our	our	PRON
ajbmeb-358	34	18	"	"	PUNCT
ajbmeb-358	34	19	(	(	PUNCT
ajbmeb-358	34	20	brand	brand	NOUN
ajbmeb-358	34	21	of	of	ADP
ajbmeb-358	34	22	the	the	DET
ajbmeb-358	34	23	organization	organization	NOUN
ajbmeb-358	34	24	)	)	PUNCT
ajbmeb-358	34	25	;	;	PUNCT
ajbmeb-358	34	26	"	"	PUNCT
ajbmeb-358	34	27	specific	specific	ADJ
ajbmeb-358	34	28	"	"	PUNCT
ajbmeb-358	34	29	(	(	PUNCT
ajbmeb-358	34	30	product	product	NOUN
ajbmeb-358	34	31	or	or	CCONJ
ajbmeb-358	34	32	service	service	NOUN
ajbmeb-358	34	33	concept	concept	NOUN
ajbmeb-358	34	34	)	)	PUNCT
ajbmeb-358	34	35	;	;	PUNCT
ajbmeb-358	34	36	"	"	PUNCT
ajbmeb-358	34	37	unique	unique	ADJ
ajbmeb-358	34	38	"	"	PUNCT
ajbmeb-358	34	39	(	(	PUNCT
ajbmeb-358	34	40	different	different	ADJ
ajbmeb-358	34	41	from	from	ADP
ajbmeb-358	34	42	other	other	ADJ
ajbmeb-358	34	43	goods	good	NOUN
ajbmeb-358	34	44	and	and	CCONJ
ajbmeb-358	34	45	services	service	NOUN
ajbmeb-358	34	46	)	)	PUNCT
ajbmeb-358	34	47	.	.	PUNCT
ajbmeb-358	35	1	p.e	p.e	PROPN
ajbmeb-358	35	2	.	.	PROPN
ajbmeb-358	35	3	pfeiffer	pfeiffer	PROPN
ajbmeb-358	35	4	,	,	PUNCT
ajbmeb-358	35	5	m.e	m.e	PROPN
ajbmeb-358	35	6	.	.	PROPN
ajbmeb-358	35	7	haskens	haskens	PROPN
ajbmeb-358	35	8	and	and	CCONJ
ajbmeb-358	35	9	r.m	r.m	PROPN
ajbmeb-358	35	10	.	.	PROPN
ajbmeb-358	35	11	conrowler	conrowler	NOUN
ajbmeb-358	36	1	[	[	X
ajbmeb-358	36	2	8	8	NUM
ajbmeb-358	36	3	]	]	PUNCT
ajbmeb-358	36	4	proposed	propose	VERB
ajbmeb-358	36	5	to	to	PART
ajbmeb-358	36	6	determine	determine	VERB
ajbmeb-358	36	7	the	the	DET
ajbmeb-358	36	8	level	level	NOUN
ajbmeb-358	36	9	of	of	ADP
ajbmeb-358	36	10	customer	customer	NOUN
ajbmeb-358	36	11	profitability	profitability	NOUN
ajbmeb-358	36	12	for	for	ADP
ajbmeb-358	36	13	a	a	DET
ajbmeb-358	36	14	bank	bank	NOUN
ajbmeb-358	36	15	as	as	ADP
ajbmeb-358	36	16	the	the	DET
ajbmeb-358	36	17	difference	difference	NOUN
ajbmeb-358	36	18	between	between	ADP
ajbmeb-358	36	19	the	the	DET
ajbmeb-358	36	20	revenue	revenue	NOUN
ajbmeb-358	36	21	received	receive	VERB
ajbmeb-358	36	22	from	from	ADP
ajbmeb-358	36	23	services	service	NOUN
ajbmeb-358	36	24	provided	provide	VERB
ajbmeb-358	36	25	to	to	ADP
ajbmeb-358	36	26	customers	customer	NOUN
ajbmeb-358	36	27	and	and	CCONJ
ajbmeb-358	36	28	the	the	DET
ajbmeb-358	36	29	costs	cost	NOUN
ajbmeb-358	36	30	of	of	ADP
ajbmeb-358	36	31	providing	provide	VERB
ajbmeb-358	36	32	services	service	NOUN
ajbmeb-358	36	33	during	during	ADP
ajbmeb-358	36	34	a	a	DET
ajbmeb-358	36	35	certain	certain	ADJ
ajbmeb-358	36	36	period	period	NOUN
ajbmeb-358	36	37	.	.	PUNCT
ajbmeb-358	37	1	according	accord	VERB
ajbmeb-358	37	2	to	to	ADP
ajbmeb-358	37	3	scientists	scientist	NOUN
ajbmeb-358	37	4	,	,	PUNCT
ajbmeb-358	37	5	not	not	PART
ajbmeb-358	37	6	all	all	DET
ajbmeb-358	37	7	customers	customer	NOUN
ajbmeb-358	37	8	are	be	AUX
ajbmeb-358	37	9	profitable	profitable	ADJ
ajbmeb-358	37	10	.	.	PUNCT
ajbmeb-358	38	1	some	some	PRON
ajbmeb-358	38	2	of	of	ADP
ajbmeb-358	38	3	them	they	PRON
ajbmeb-358	38	4	are	be	AUX
ajbmeb-358	38	5	more	more	ADV
ajbmeb-358	38	6	profitable	profitable	ADJ
ajbmeb-358	38	7	than	than	ADP
ajbmeb-358	38	8	others	other	NOUN
ajbmeb-358	38	9	.	.	PUNCT
ajbmeb-358	39	1	research	research	NOUN
ajbmeb-358	39	2	methodology	methodology	NOUN
ajbmeb-358	39	3	this	this	DET
ajbmeb-358	39	4	article	article	NOUN
ajbmeb-358	39	5	analyzes	analyze	VERB
ajbmeb-358	39	6	the	the	DET
ajbmeb-358	39	7	current	current	ADJ
ajbmeb-358	39	8	state	state	NOUN
ajbmeb-358	39	9	of	of	ADP
ajbmeb-358	39	10	deposit	deposit	NOUN
ajbmeb-358	39	11	policy	policy	NOUN
ajbmeb-358	39	12	implementation	implementation	NOUN
ajbmeb-358	39	13	by	by	ADP
ajbmeb-358	39	14	commercial	commercial	ADJ
ajbmeb-358	39	15	banks	bank	NOUN
ajbmeb-358	39	16	and	and	CCONJ
ajbmeb-358	39	17	identifies	identify	VERB
ajbmeb-358	39	18	factors	factor	NOUN
ajbmeb-358	39	19	affecting	affect	VERB
ajbmeb-358	39	20	the	the	DET
ajbmeb-358	39	21	stability	stability	NOUN
ajbmeb-358	39	22	of	of	ADP
ajbmeb-358	39	23	the	the	DET
ajbmeb-358	39	24	bank	bank	NOUN
ajbmeb-358	39	25	's	's	PART
ajbmeb-358	39	26	resource	resource	NOUN
ajbmeb-358	39	27	base	base	NOUN
ajbmeb-358	39	28	.	.	PUNCT
ajbmeb-358	40	1	scientific	scientific	ADJ
ajbmeb-358	40	2	abstraction	abstraction	NOUN
ajbmeb-358	40	3	,	,	PUNCT
ajbmeb-358	40	4	expert	expert	ADJ
ajbmeb-358	40	5	assessment	assessment	NOUN
ajbmeb-358	40	6	,	,	PUNCT
ajbmeb-358	40	7	induction	induction	NOUN
ajbmeb-358	40	8	and	and	CCONJ
ajbmeb-358	40	9	deduction	deduction	NOUN
ajbmeb-358	40	10	,	,	PUNCT
ajbmeb-358	40	11	comparison	comparison	NOUN
ajbmeb-358	40	12	,	,	PUNCT
ajbmeb-358	40	13	systematic	systematic	ADJ
ajbmeb-358	40	14	analysis	analysis	NOUN
ajbmeb-358	40	15	methods	method	NOUN
ajbmeb-358	40	16	were	be	AUX
ajbmeb-358	40	17	used	use	VERB
ajbmeb-358	40	18	in	in	ADP
ajbmeb-358	40	19	the	the	DET
ajbmeb-358	40	20	analysis	analysis	NOUN
ajbmeb-358	40	21	process	process	NOUN
ajbmeb-358	40	22	.	.	PUNCT
ajbmeb-358	41	1	analysis	analysis	NOUN
ajbmeb-358	41	2	and	and	CCONJ
ajbmeb-358	41	3	results	result	NOUN
ajbmeb-358	41	4	we	we	PRON
ajbmeb-358	41	5	will	will	AUX
ajbmeb-358	41	6	dwell	dwell	VERB
ajbmeb-358	41	7	on	on	ADP
ajbmeb-358	41	8	this	this	DET
ajbmeb-358	41	9	issue	issue	NOUN
ajbmeb-358	41	10	in	in	ADP
ajbmeb-358	41	11	more	more	ADJ
ajbmeb-358	41	12	detail	detail	NOUN
ajbmeb-358	41	13	,	,	PUNCT
ajbmeb-358	41	14	taking	take	VERB
ajbmeb-358	41	15	into	into	ADP
ajbmeb-358	41	16	account	account	NOUN
ajbmeb-358	41	17	that	that	SCONJ
ajbmeb-358	41	18	the	the	DET
ajbmeb-358	41	19	method	method	NOUN
ajbmeb-358	41	20	of	of	ADP
ajbmeb-358	41	21	calculating	calculate	VERB
ajbmeb-358	41	22	the	the	DET
ajbmeb-358	41	23	level	level	NOUN
ajbmeb-358	41	24	of	of	ADP
ajbmeb-358	41	25	profitability	profitability	NOUN
ajbmeb-358	41	26	of	of	ADP
ajbmeb-358	41	27	customers	customer	NOUN
ajbmeb-358	41	28	is	be	AUX
ajbmeb-358	41	29	of	of	ADP
ajbmeb-358	41	30	certain	certain	ADJ
ajbmeb-358	41	31	importance	importance	NOUN
ajbmeb-358	41	32	from	from	ADP
ajbmeb-358	41	33	the	the	DET
ajbmeb-358	41	34	point	point	NOUN
ajbmeb-358	41	35	of	of	ADP
ajbmeb-358	41	36	view	view	NOUN
ajbmeb-358	41	37	of	of	ADP
ajbmeb-358	41	38	the	the	DET
ajbmeb-358	41	39	tasks	task	NOUN
ajbmeb-358	41	40	set	set	VERB
ajbmeb-358	41	41	before	before	ADP
ajbmeb-358	41	42	the	the	DET
ajbmeb-358	41	43	scientific	scientific	ADJ
ajbmeb-358	41	44	research	research	NOUN
ajbmeb-358	41	45	work	work	NOUN
ajbmeb-358	41	46	.	.	PUNCT
ajbmeb-358	42	1	it	it	PRON
ajbmeb-358	42	2	should	should	AUX
ajbmeb-358	42	3	be	be	AUX
ajbmeb-358	42	4	noted	note	VERB
ajbmeb-358	42	5	that	that	SCONJ
ajbmeb-358	42	6	a	a	DET
ajbmeb-358	42	7	number	number	NOUN
ajbmeb-358	42	8	of	of	ADP
ajbmeb-358	42	9	methods	method	NOUN
ajbmeb-358	42	10	for	for	ADP
ajbmeb-358	42	11	determining	determine	VERB
ajbmeb-358	42	12	the	the	DET
ajbmeb-358	42	13	level	level	NOUN
ajbmeb-358	42	14	of	of	ADP
ajbmeb-358	42	15	profitability	profitability	NOUN
ajbmeb-358	42	16	of	of	ADP
ajbmeb-358	42	17	customers	customer	NOUN
ajbmeb-358	42	18	have	have	AUX
ajbmeb-358	42	19	been	be	AUX
ajbmeb-358	42	20	developed	develop	VERB
ajbmeb-358	42	21	and	and	CCONJ
ajbmeb-358	42	22	are	be	AUX
ajbmeb-358	42	23	being	be	AUX
ajbmeb-358	42	24	used	use	VERB
ajbmeb-358	42	25	in	in	ADP
ajbmeb-358	42	26	the	the	DET
ajbmeb-358	42	27	activities	activity	NOUN
ajbmeb-358	42	28	of	of	ADP
ajbmeb-358	42	29	banks	bank	NOUN
ajbmeb-358	42	30	.	.	PUNCT
ajbmeb-358	43	1	in	in	ADP
ajbmeb-358	43	2	particular	particular	ADJ
ajbmeb-358	43	3	,	,	PUNCT
ajbmeb-358	43	4	the	the	DET
ajbmeb-358	43	5	evaluation	evaluation	NOUN
ajbmeb-358	43	6	of	of	ADP
ajbmeb-358	43	7	the	the	DET
ajbmeb-358	43	8	level	level	NOUN
ajbmeb-358	43	9	of	of	ADP
ajbmeb-358	43	10	profitability	profitability	NOUN
ajbmeb-358	43	11	(	(	PUNCT
ajbmeb-358	43	12	efficiency	efficiency	NOUN
ajbmeb-358	43	13	)	)	PUNCT
ajbmeb-358	43	14	of	of	ADP
ajbmeb-358	43	15	a	a	DET
ajbmeb-358	43	16	customer	customer	NOUN
ajbmeb-358	43	17	taken	take	VERB
ajbmeb-358	43	18	separately	separately	ADV
ajbmeb-358	43	19	by	by	ADP
ajbmeb-358	43	20	the	the	DET
ajbmeb-358	43	21	method	method	NOUN
ajbmeb-358	43	22	of	of	ADP
ajbmeb-358	43	23	customer	customer	NOUN
ajbmeb-358	43	24	profitability	profitability	NOUN
ajbmeb-358	43	25	analysis	analysis	NOUN
ajbmeb-358	43	26	(	(	PUNCT
ajbmeb-358	43	27	cpa	cpa	NOUN
ajbmeb-358	43	28	)	)	PUNCT
ajbmeb-358	43	29	is	be	AUX
ajbmeb-358	43	30	carried	carry	VERB
ajbmeb-358	43	31	out	out	ADP
ajbmeb-358	43	32	in	in	ADP
ajbmeb-358	43	33	the	the	DET
ajbmeb-358	43	34	following	follow	VERB
ajbmeb-358	43	35	six	six	NUM
ajbmeb-358	43	36	steps	step	NOUN
ajbmeb-358	43	37	:	:	PUNCT
ajbmeb-358	43	38	stage	stage	NOUN
ajbmeb-358	43	39	1	1	NUM
ajbmeb-358	43	40	.	.	PUNCT
ajbmeb-358	44	1	changes	change	NOUN
ajbmeb-358	44	2	and	and	CCONJ
ajbmeb-358	44	3	analysis	analysis	NOUN
ajbmeb-358	44	4	of	of	ADP
ajbmeb-358	44	5	net	net	ADJ
ajbmeb-358	44	6	invested	invest	VERB
ajbmeb-358	44	7	funds	fund	NOUN
ajbmeb-358	44	8	in	in	ADP
ajbmeb-358	44	9	relation	relation	NOUN
ajbmeb-358	44	10	to	to	ADP
ajbmeb-358	44	11	the	the	DET
ajbmeb-358	44	12	client	client	NOUN
ajbmeb-358	44	13	:	:	PUNCT
ajbmeb-358	44	14	the	the	DET
ajbmeb-358	44	15	amount	amount	NOUN
ajbmeb-358	44	16	of	of	ADP
ajbmeb-358	44	17	resources	resource	NOUN
ajbmeb-358	44	18	provided	provide	VERB
ajbmeb-358	44	19	by	by	ADP
ajbmeb-358	44	20	the	the	DET
ajbmeb-358	44	21	client	client	NOUN
ajbmeb-358	44	22	to	to	ADP
ajbmeb-358	44	23	the	the	DET
ajbmeb-358	44	24	bank	bank	NOUN
ajbmeb-358	44	25	and	and	CCONJ
ajbmeb-358	44	26	the	the	DET
ajbmeb-358	44	27	amount	amount	NOUN
ajbmeb-358	44	28	of	of	ADP
ajbmeb-358	44	29	credit	credit	NOUN
ajbmeb-358	44	30	resources	resource	NOUN
ajbmeb-358	44	31	allocated	allocate	VERB
ajbmeb-358	44	32	by	by	ADP
ajbmeb-358	44	33	the	the	DET
ajbmeb-358	44	34	bank	bank	NOUN
ajbmeb-358	44	35	to	to	ADP
ajbmeb-358	44	36	this	this	DET
ajbmeb-358	44	37	client	client	NOUN
ajbmeb-358	44	38	is	be	AUX
ajbmeb-358	44	39	determined	determine	VERB
ajbmeb-358	44	40	.	.	PUNCT
ajbmeb-358	45	1	on	on	ADP
ajbmeb-358	45	2	this	this	DET
ajbmeb-358	45	3	basis	basis	NOUN
ajbmeb-358	45	4	,	,	PUNCT
ajbmeb-358	45	5	the	the	DET
ajbmeb-358	45	6	net	net	ADJ
ajbmeb-358	45	7	investment	investment	NOUN
ajbmeb-358	45	8	position	position	NOUN
ajbmeb-358	45	9	is	be	AUX
ajbmeb-358	45	10	evaluated	evaluate	VERB
ajbmeb-358	45	11	;	;	PUNCT
ajbmeb-358	45	12	stage	stage	NOUN
ajbmeb-358	45	13	2	2	NUM
ajbmeb-358	45	14	.	.	PUNCT
ajbmeb-358	45	15	change	change	NOUN
ajbmeb-358	45	16	and	and	CCONJ
ajbmeb-358	45	17	analysis	analysis	NOUN
ajbmeb-358	45	18	of	of	ADP
ajbmeb-358	45	19	the	the	DET
ajbmeb-358	45	20	flow	flow	NOUN
ajbmeb-358	45	21	of	of	ADP
ajbmeb-358	45	22	income	income	NOUN
ajbmeb-358	45	23	received	receive	VERB
ajbmeb-358	45	24	from	from	ADP
ajbmeb-358	45	25	the	the	DET
ajbmeb-358	45	26	client	client	NOUN
ajbmeb-358	45	27	:	:	PUNCT
ajbmeb-358	45	28	the	the	DET
ajbmeb-358	45	29	flow	flow	NOUN
ajbmeb-358	45	30	of	of	ADP
ajbmeb-358	45	31	income	income	NOUN
ajbmeb-358	45	32	received	receive	VERB
ajbmeb-358	45	33	from	from	ADP
ajbmeb-358	45	34	the	the	DET
ajbmeb-358	45	35	client	client	NOUN
ajbmeb-358	45	36	and	and	CCONJ
ajbmeb-358	45	37	the	the	DET
ajbmeb-358	45	38	income	income	NOUN
ajbmeb-358	45	39	received	receive	VERB
ajbmeb-358	45	40	from	from	ADP
ajbmeb-358	45	41	the	the	DET
ajbmeb-358	45	42	placement	placement	NOUN
ajbmeb-358	45	43	of	of	ADP
ajbmeb-358	45	44	the	the	DET
ajbmeb-358	45	45	client	client	NOUN
ajbmeb-358	45	46	's	's	PART
ajbmeb-358	45	47	temporary	temporary	ADJ
ajbmeb-358	45	48	free	free	ADJ
ajbmeb-358	45	49	funds	fund	NOUN
ajbmeb-358	45	50	by	by	ADP
ajbmeb-358	45	51	the	the	DET
ajbmeb-358	45	52	bank	bank	NOUN
ajbmeb-358	45	53	are	be	AUX
ajbmeb-358	45	54	determined	determine	VERB
ajbmeb-358	45	55	;	;	PUNCT
ajbmeb-358	45	56	stage	stage	NOUN
ajbmeb-358	45	57	3	3	NUM
ajbmeb-358	45	58	.	.	PUNCT
ajbmeb-358	45	59	customer	customer	NOUN
ajbmeb-358	45	60	service	service	NOUN
ajbmeb-358	45	61	cost	cost	NOUN
ajbmeb-358	45	62	variation	variation	NOUN
ajbmeb-358	45	63	and	and	CCONJ
ajbmeb-358	45	64	analysis	analysis	NOUN
ajbmeb-358	45	65	:	:	PUNCT
ajbmeb-358	45	66	the	the	DET
ajbmeb-358	45	67	direct	direct	ADJ
ajbmeb-358	45	68	costs	cost	NOUN
ajbmeb-358	45	69	associated	associate	VERB
ajbmeb-358	45	70	with	with	ADP
ajbmeb-358	45	71	serving	serve	VERB
ajbmeb-358	45	72	a	a	DET
ajbmeb-358	45	73	customer	customer	NOUN
ajbmeb-358	45	74	and	and	CCONJ
ajbmeb-358	45	75	the	the	DET
ajbmeb-358	45	76	costs	cost	NOUN
ajbmeb-358	45	77	associated	associate	VERB
ajbmeb-358	45	78	with	with	ADP
ajbmeb-358	45	79	providing	provide	VERB
ajbmeb-358	45	80	resources	resource	NOUN
ajbmeb-358	45	81	to	to	ADP
ajbmeb-358	45	82	that	that	DET
ajbmeb-358	45	83	customer	customer	NOUN
ajbmeb-358	45	84	are	be	AUX
ajbmeb-358	45	85	identified	identify	VERB
ajbmeb-358	45	86	.	.	PUNCT
ajbmeb-358	46	1	on	on	ADP
ajbmeb-358	46	2	this	this	DET
ajbmeb-358	46	3	basis	basis	NOUN
ajbmeb-358	46	4	,	,	PUNCT
ajbmeb-358	46	5	direct	direct	ADJ
ajbmeb-358	46	6	costs	cost	NOUN
ajbmeb-358	46	7	related	relate	VERB
ajbmeb-358	46	8	to	to	ADP
ajbmeb-358	46	9	customer	customer	NOUN
ajbmeb-358	46	10	service	service	NOUN
ajbmeb-358	46	11	and	and	CCONJ
ajbmeb-358	46	12	their	their	PRON
ajbmeb-358	46	13	weight	weight	NOUN
ajbmeb-358	46	14	in	in	ADP
ajbmeb-358	46	15	total	total	ADJ
ajbmeb-358	46	16	costs	cost	NOUN
ajbmeb-358	46	17	are	be	AUX
ajbmeb-358	46	18	evaluated	evaluate	VERB
ajbmeb-358	46	19	;	;	PUNCT
ajbmeb-358	46	20	step	step	NOUN
ajbmeb-358	46	21	4	4	NUM
ajbmeb-358	46	22	.	.	PUNCT
ajbmeb-358	46	23	changes	change	NOUN
ajbmeb-358	46	24	and	and	CCONJ
ajbmeb-358	46	25	analysis	analysis	NOUN
ajbmeb-358	46	26	of	of	ADP
ajbmeb-358	46	27	indirect	indirect	ADJ
ajbmeb-358	46	28	costs	cost	NOUN
ajbmeb-358	46	29	related	relate	VERB
ajbmeb-358	46	30	to	to	ADP
ajbmeb-358	46	31	customer	customer	NOUN
ajbmeb-358	46	32	service	service	NOUN
ajbmeb-358	46	33	:	:	PUNCT
ajbmeb-358	46	34	indirect	indirect	ADJ
ajbmeb-358	46	35	costs	cost	NOUN
ajbmeb-358	46	36	related	relate	VERB
ajbmeb-358	46	37	to	to	ADP
ajbmeb-358	46	38	customer	customer	NOUN
ajbmeb-358	46	39	service	service	NOUN
ajbmeb-358	46	40	are	be	AUX
ajbmeb-358	46	41	determined	determine	VERB
ajbmeb-358	46	42	and	and	CCONJ
ajbmeb-358	46	43	their	their	PRON
ajbmeb-358	46	44	weight	weight	NOUN
ajbmeb-358	46	45	in	in	ADP
ajbmeb-358	46	46	total	total	ADJ
ajbmeb-358	46	47	indirect	indirect	ADJ
ajbmeb-358	46	48	costs	cost	NOUN
ajbmeb-358	46	49	is	be	AUX
ajbmeb-358	46	50	estimated	estimate	VERB
ajbmeb-358	46	51	on	on	ADP
ajbmeb-358	46	52	this	this	DET
ajbmeb-358	46	53	basis	basis	NOUN
ajbmeb-358	46	54	;	;	PUNCT
ajbmeb-358	47	1	step	step	NOUN
ajbmeb-358	47	2	5	5	NUM
ajbmeb-358	47	3	.	.	PUNCT
ajbmeb-358	47	4	calculation	calculation	NOUN
ajbmeb-358	47	5	of	of	ADP
ajbmeb-358	47	6	the	the	DET
ajbmeb-358	47	7	resulting	result	VERB
ajbmeb-358	47	8	financial	financial	ADJ
ajbmeb-358	47	9	indicators	indicator	NOUN
ajbmeb-358	47	10	for	for	ADP
ajbmeb-358	47	11	customer	customer	NOUN
ajbmeb-358	47	12	service	service	NOUN
ajbmeb-358	47	13	:	:	PUNCT
ajbmeb-358	47	14	net	net	ADJ
ajbmeb-358	47	15	profit	profit	NOUN
ajbmeb-358	47	16	(	(	PUNCT
ajbmeb-358	47	17	loss	loss	NOUN
ajbmeb-358	47	18	)	)	PUNCT
ajbmeb-358	47	19	from	from	ADP
ajbmeb-358	47	20	american	american	PROPN
ajbmeb-358	47	21	journal	journal	PROPN
ajbmeb-358	47	22	of	of	ADP
ajbmeb-358	47	23	business	business	NOUN
ajbmeb-358	47	24	management	management	NOUN
ajbmeb-358	47	25	,	,	PUNCT
ajbmeb-358	47	26	economics	economic	NOUN
ajbmeb-358	47	27	and	and	CCONJ
ajbmeb-358	47	28	banking	banking	NOUN
ajbmeb-358	47	29	volume	volume	NOUN
ajbmeb-358	47	30	8	8	NUM
ajbmeb-358	47	31	,	,	PUNCT
ajbmeb-358	47	32	jan	jan	PROPN
ajbmeb-358	47	33	.	.	PROPN
ajbmeb-358	47	34	,	,	PUNCT
ajbmeb-358	47	35	2023	2023	NUM
ajbmeb-358	47	36	p	p	NOUN
ajbmeb-358	47	37	a	a	PRON
ajbmeb-358	47	38	g	g	NOUN
ajbmeb-358	47	39	e	e	NOUN
ajbmeb-358	47	40	|	|	ADV
ajbmeb-358	47	41	87	87	NUM
ajbmeb-358	47	42	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	47	43	customer	customer	NOUN
ajbmeb-358	47	44	service	service	NOUN
ajbmeb-358	47	45	,	,	PUNCT
ajbmeb-358	47	46	profitability	profitability	NOUN
ajbmeb-358	47	47	of	of	ADP
ajbmeb-358	47	48	customer	customer	NOUN
ajbmeb-358	47	49	service	service	NOUN
ajbmeb-358	47	50	;	;	PUNCT
ajbmeb-358	47	51	indicators	indicator	NOUN
ajbmeb-358	47	52	of	of	ADP
ajbmeb-358	47	53	profitability	profitability	NOUN
ajbmeb-358	47	54	of	of	ADP
ajbmeb-358	47	55	sales	sale	NOUN
ajbmeb-358	47	56	of	of	ADP
ajbmeb-358	47	57	services	service	NOUN
ajbmeb-358	47	58	are	be	AUX
ajbmeb-358	47	59	determined	determine	VERB
ajbmeb-358	47	60	;	;	PUNCT
ajbmeb-358	47	61	step	step	NOUN
ajbmeb-358	47	62	6	6	NUM
ajbmeb-358	47	63	.	.	PUNCT
ajbmeb-358	48	1	making	make	VERB
ajbmeb-358	48	2	conclusions	conclusion	NOUN
ajbmeb-358	48	3	on	on	ADP
ajbmeb-358	48	4	the	the	DET
ajbmeb-358	48	5	development	development	NOUN
ajbmeb-358	48	6	of	of	ADP
ajbmeb-358	48	7	the	the	DET
ajbmeb-358	48	8	bank	bank	NOUN
ajbmeb-358	48	9	's	's	PART
ajbmeb-358	48	10	relationship	relationship	NOUN
ajbmeb-358	48	11	with	with	ADP
ajbmeb-358	48	12	the	the	DET
ajbmeb-358	48	13	client	client	NOUN
ajbmeb-358	48	14	.	.	PUNCT
ajbmeb-358	49	1	in	in	ADP
ajbmeb-358	49	2	the	the	DET
ajbmeb-358	49	3	cpa	cpa	NOUN
ajbmeb-358	49	4	methodology	methodology	NOUN
ajbmeb-358	49	5	,	,	PUNCT
ajbmeb-358	49	6	the	the	DET
ajbmeb-358	49	7	net	net	ADJ
ajbmeb-358	49	8	profit	profit	NOUN
ajbmeb-358	49	9	(	(	PUNCT
ajbmeb-358	49	10	loss	loss	NOUN
ajbmeb-358	49	11	)	)	PUNCT
ajbmeb-358	49	12	(	(	PUNCT
ajbmeb-358	49	13	np	np	INTJ
ajbmeb-358	49	14	)	)	PUNCT
ajbmeb-358	49	15	from	from	ADP
ajbmeb-358	49	16	serving	serve	VERB
ajbmeb-358	49	17	the	the	DET
ajbmeb-358	49	18	client	client	NOUN
ajbmeb-358	49	19	is	be	AUX
ajbmeb-358	49	20	calculated	calculate	VERB
ajbmeb-358	49	21	based	base	VERB
ajbmeb-358	49	22	on	on	ADP
ajbmeb-358	49	23	the	the	DET
ajbmeb-358	49	24	following	follow	VERB
ajbmeb-358	49	25	formula	formula	NOUN
ajbmeb-358	49	26	:	:	PUNCT
ajbmeb-358	49	27	in	in	ADP
ajbmeb-358	49	28	this	this	PRON
ajbmeb-358	49	29	:	:	PUNCT
ajbmeb-358	49	30	r	r	NOUN
ajbmeb-358	49	31	–	–	PUNCT
ajbmeb-358	49	32	bank	bank	NOUN
ajbmeb-358	49	33	income	income	NOUN
ajbmeb-358	49	34	received	receive	VERB
ajbmeb-358	49	35	from	from	ADP
ajbmeb-358	49	36	customer	customer	NOUN
ajbmeb-358	49	37	service	service	NOUN
ajbmeb-358	49	38	;	;	PUNCT
ajbmeb-358	49	39	c	c	X
ajbmeb-358	49	40	–	–	PUNCT
ajbmeb-358	49	41	direct	direct	ADJ
ajbmeb-358	49	42	costs	cost	NOUN
ajbmeb-358	49	43	of	of	ADP
ajbmeb-358	49	44	the	the	DET
ajbmeb-358	49	45	bank	bank	NOUN
ajbmeb-358	49	46	related	relate	VERB
ajbmeb-358	49	47	to	to	ADP
ajbmeb-358	49	48	customer	customer	NOUN
ajbmeb-358	49	49	service	service	NOUN
ajbmeb-358	49	50	;	;	PUNCT
ajbmeb-358	49	51	q	q	X
ajbmeb-358	49	52	–	–	PUNCT
ajbmeb-358	49	53	indirect	indirect	ADJ
ajbmeb-358	49	54	costs	cost	NOUN
ajbmeb-358	49	55	of	of	ADP
ajbmeb-358	49	56	the	the	DET
ajbmeb-358	49	57	bank	bank	NOUN
ajbmeb-358	49	58	related	relate	VERB
ajbmeb-358	49	59	to	to	ADP
ajbmeb-358	49	60	customer	customer	NOUN
ajbmeb-358	49	61	service	service	NOUN
ajbmeb-358	49	62	.	.	PUNCT
ajbmeb-358	50	1	the	the	DET
ajbmeb-358	50	2	net	net	ADJ
ajbmeb-358	50	3	profitability	profitability	NOUN
ajbmeb-358	50	4	of	of	ADP
ajbmeb-358	50	5	customer	customer	NOUN
ajbmeb-358	50	6	service	service	NOUN
ajbmeb-358	50	7	(	(	PUNCT
ajbmeb-358	50	8	cp	cp	NOUN
ajbmeb-358	50	9	)	)	PUNCT
ajbmeb-358	50	10	is	be	AUX
ajbmeb-358	50	11	calculated	calculate	VERB
ajbmeb-358	50	12	based	base	VERB
ajbmeb-358	50	13	on	on	ADP
ajbmeb-358	50	14	the	the	DET
ajbmeb-358	50	15	following	follow	VERB
ajbmeb-358	50	16	formula	formula	NOUN
ajbmeb-358	50	17	:	:	PUNCT
ajbmeb-358	50	18	the	the	DET
ajbmeb-358	50	19	following	follow	VERB
ajbmeb-358	50	20	formula	formula	NOUN
ajbmeb-358	50	21	is	be	AUX
ajbmeb-358	50	22	used	use	VERB
ajbmeb-358	50	23	to	to	PART
ajbmeb-358	50	24	calculate	calculate	VERB
ajbmeb-358	50	25	the	the	DET
ajbmeb-358	50	26	return	return	NOUN
ajbmeb-358	50	27	on	on	ADP
ajbmeb-358	50	28	sales	sale	NOUN
ajbmeb-358	50	29	of	of	ADP
ajbmeb-358	50	30	services	service	NOUN
ajbmeb-358	50	31	(	(	PUNCT
ajbmeb-358	50	32	tp	tp	NOUN
ajbmeb-358	50	33	):	):	PUNCT
ajbmeb-358	50	34	the	the	DET
ajbmeb-358	50	35	positive	positive	ADJ
ajbmeb-358	50	36	features	feature	NOUN
ajbmeb-358	50	37	of	of	ADP
ajbmeb-358	50	38	the	the	DET
ajbmeb-358	50	39	cpa	cpa	NOUN
ajbmeb-358	50	40	methodology	methodology	NOUN
ajbmeb-358	50	41	include	include	VERB
ajbmeb-358	50	42	the	the	DET
ajbmeb-358	50	43	ability	ability	NOUN
ajbmeb-358	50	44	to	to	PART
ajbmeb-358	50	45	comprehensively	comprehensively	ADV
ajbmeb-358	50	46	assess	assess	VERB
ajbmeb-358	50	47	the	the	DET
ajbmeb-358	50	48	client	client	NOUN
ajbmeb-358	50	49	's	's	PART
ajbmeb-358	50	50	profitability	profitability	NOUN
ajbmeb-358	50	51	and	and	CCONJ
ajbmeb-358	50	52	,	,	PUNCT
ajbmeb-358	50	53	in	in	ADP
ajbmeb-358	50	54	our	our	PRON
ajbmeb-358	50	55	opinion	opinion	NOUN
ajbmeb-358	50	56	,	,	PUNCT
ajbmeb-358	50	57	the	the	DET
ajbmeb-358	50	58	most	most	ADV
ajbmeb-358	50	59	important	important	ADJ
ajbmeb-358	50	60	thing	thing	NOUN
ajbmeb-358	50	61	is	be	AUX
ajbmeb-358	50	62	the	the	DET
ajbmeb-358	50	63	ability	ability	NOUN
ajbmeb-358	50	64	to	to	PART
ajbmeb-358	50	65	determine	determine	VERB
ajbmeb-358	50	66	the	the	DET
ajbmeb-358	50	67	income	income	NOUN
ajbmeb-358	50	68	from	from	ADP
ajbmeb-358	50	69	the	the	DET
ajbmeb-358	50	70	use	use	NOUN
ajbmeb-358	50	71	of	of	ADP
ajbmeb-358	50	72	the	the	DET
ajbmeb-358	50	73	client	client	NOUN
ajbmeb-358	50	74	's	's	PART
ajbmeb-358	50	75	funds	fund	NOUN
ajbmeb-358	50	76	.	.	PUNCT
ajbmeb-358	51	1	as	as	ADP
ajbmeb-358	51	2	a	a	DET
ajbmeb-358	51	3	disadvantage	disadvantage	NOUN
ajbmeb-358	51	4	of	of	ADP
ajbmeb-358	51	5	the	the	DET
ajbmeb-358	51	6	system	system	NOUN
ajbmeb-358	51	7	,	,	PUNCT
ajbmeb-358	51	8	it	it	PRON
ajbmeb-358	51	9	can	can	AUX
ajbmeb-358	51	10	be	be	AUX
ajbmeb-358	51	11	noted	note	VERB
ajbmeb-358	51	12	that	that	SCONJ
ajbmeb-358	51	13	the	the	DET
ajbmeb-358	51	14	level	level	NOUN
ajbmeb-358	51	15	of	of	ADP
ajbmeb-358	51	16	profitability	profitability	NOUN
ajbmeb-358	51	17	of	of	ADP
ajbmeb-358	51	18	customers	customer	NOUN
ajbmeb-358	51	19	can	can	AUX
ajbmeb-358	51	20	be	be	AUX
ajbmeb-358	51	21	estimated	estimate	VERB
ajbmeb-358	51	22	based	base	VERB
ajbmeb-358	51	23	on	on	ADP
ajbmeb-358	51	24	the	the	DET
ajbmeb-358	51	25	performed	perform	VERB
ajbmeb-358	51	26	operations	operation	NOUN
ajbmeb-358	51	27	,	,	PUNCT
ajbmeb-358	51	28	which	which	PRON
ajbmeb-358	51	29	may	may	AUX
ajbmeb-358	51	30	limit	limit	VERB
ajbmeb-358	51	31	the	the	DET
ajbmeb-358	51	32	possibilities	possibility	NOUN
ajbmeb-358	51	33	of	of	ADP
ajbmeb-358	51	34	forecasting	forecast	VERB
ajbmeb-358	51	35	the	the	DET
ajbmeb-358	51	36	near	near	ADJ
ajbmeb-358	51	37	and	and	CCONJ
ajbmeb-358	51	38	long	long	ADJ
ajbmeb-358	51	39	term	term	NOUN
ajbmeb-358	51	40	.	.	PUNCT
ajbmeb-358	52	1	a	a	DET
ajbmeb-358	52	2	unique	unique	ADJ
ajbmeb-358	52	3	methodology	methodology	NOUN
ajbmeb-358	52	4	for	for	ADP
ajbmeb-358	52	5	evaluating	evaluate	VERB
ajbmeb-358	52	6	the	the	DET
ajbmeb-358	52	7	profitability	profitability	NOUN
ajbmeb-358	52	8	of	of	ADP
ajbmeb-358	52	9	customer	customer	NOUN
ajbmeb-358	52	10	service	service	NOUN
ajbmeb-358	52	11	was	be	AUX
ajbmeb-358	52	12	developed	develop	VERB
ajbmeb-358	52	13	by	by	ADP
ajbmeb-358	52	14	the	the	DET
ajbmeb-358	52	15	largest	large	ADJ
ajbmeb-358	52	16	russian	russian	ADJ
ajbmeb-358	52	17	federation	federation	NOUN
ajbmeb-358	52	18	"	"	PUNCT
ajbmeb-358	52	19	sberbank	sberbank	NOUN
ajbmeb-358	52	20	of	of	ADP
ajbmeb-358	52	21	russia	russia	PROPN
ajbmeb-358	52	22	"	"	PUNCT
ajbmeb-358	53	1	[	[	X
ajbmeb-358	53	2	9	9	NUM
ajbmeb-358	53	3	]	]	PUNCT
ajbmeb-358	53	4	.	.	PUNCT
ajbmeb-358	54	1	calculations	calculation	NOUN
ajbmeb-358	54	2	according	accord	VERB
ajbmeb-358	54	3	to	to	ADP
ajbmeb-358	54	4	this	this	DET
ajbmeb-358	54	5	method	method	NOUN
ajbmeb-358	54	6	are	be	AUX
ajbmeb-358	54	7	supposed	suppose	VERB
ajbmeb-358	54	8	to	to	PART
ajbmeb-358	54	9	be	be	AUX
ajbmeb-358	54	10	carried	carry	VERB
ajbmeb-358	54	11	out	out	ADP
ajbmeb-358	54	12	in	in	ADP
ajbmeb-358	54	13	six	six	NUM
ajbmeb-358	54	14	stages	stage	NOUN
ajbmeb-358	54	15	.	.	PUNCT
ajbmeb-358	55	1	they	they	PRON
ajbmeb-358	55	2	consist	consist	VERB
ajbmeb-358	55	3	of	of	ADP
ajbmeb-358	55	4	:	:	PUNCT
ajbmeb-358	55	5	stage	stage	NOUN
ajbmeb-358	55	6	1	1	NUM
ajbmeb-358	55	7	.	.	PUNCT
ajbmeb-358	55	8	determining	determine	VERB
ajbmeb-358	55	9	the	the	DET
ajbmeb-358	55	10	amount	amount	NOUN
ajbmeb-358	55	11	of	of	ADP
ajbmeb-358	55	12	resources	resource	NOUN
ajbmeb-358	55	13	allocated	allocate	VERB
ajbmeb-358	55	14	to	to	ADP
ajbmeb-358	55	15	the	the	DET
ajbmeb-358	55	16	client	client	NOUN
ajbmeb-358	55	17	(	(	PUNCT
ajbmeb-358	55	18	resources	resource	NOUN
ajbmeb-358	55	19	allocated	allocate	VERB
ajbmeb-358	55	20	to	to	ADP
ajbmeb-358	55	21	the	the	DET
ajbmeb-358	55	22	client	client	NOUN
ajbmeb-358	55	23	under	under	ADP
ajbmeb-358	55	24	the	the	DET
ajbmeb-358	55	25	overdraft	overdraft	NOUN
ajbmeb-358	55	26	credit	credit	NOUN
ajbmeb-358	55	27	agreement	agreement	NOUN
ajbmeb-358	55	28	,	,	PUNCT
ajbmeb-358	55	29	resources	resource	NOUN
ajbmeb-358	55	30	allocated	allocate	VERB
ajbmeb-358	55	31	to	to	ADP
ajbmeb-358	55	32	the	the	DET
ajbmeb-358	55	33	client	client	NOUN
ajbmeb-358	55	34	under	under	ADP
ajbmeb-358	55	35	corporate	corporate	ADJ
ajbmeb-358	55	36	loans	loan	NOUN
ajbmeb-358	55	37	)	)	PUNCT
ajbmeb-358	55	38	;	;	PUNCT
ajbmeb-358	55	39	stage	stage	NOUN
ajbmeb-358	55	40	2	2	NUM
ajbmeb-358	55	41	.	.	PUNCT
ajbmeb-358	55	42	calculation	calculation	NOUN
ajbmeb-358	55	43	of	of	ADP
ajbmeb-358	55	44	the	the	DET
ajbmeb-358	55	45	amount	amount	NOUN
ajbmeb-358	55	46	of	of	ADP
ajbmeb-358	55	47	resources	resource	NOUN
ajbmeb-358	55	48	attracted	attract	VERB
ajbmeb-358	55	49	from	from	ADP
ajbmeb-358	55	50	the	the	DET
ajbmeb-358	55	51	client	client	NOUN
ajbmeb-358	55	52	;	;	PUNCT
ajbmeb-358	55	53	stage	stage	NOUN
ajbmeb-358	55	54	3	3	NUM
ajbmeb-358	55	55	.	.	PUNCT
ajbmeb-358	55	56	determination	determination	NOUN
ajbmeb-358	55	57	of	of	ADP
ajbmeb-358	55	58	the	the	DET
ajbmeb-358	55	59	amount	amount	NOUN
ajbmeb-358	55	60	of	of	ADP
ajbmeb-358	55	61	net	net	ADJ
ajbmeb-358	55	62	resources	resource	NOUN
ajbmeb-358	55	63	allocated	allocate	VERB
ajbmeb-358	55	64	to	to	ADP
ajbmeb-358	55	65	the	the	DET
ajbmeb-358	55	66	client	client	NOUN
ajbmeb-358	55	67	and	and	CCONJ
ajbmeb-358	55	68	the	the	DET
ajbmeb-358	55	69	amount	amount	NOUN
ajbmeb-358	55	70	of	of	ADP
ajbmeb-358	55	71	net	net	ADJ
ajbmeb-358	55	72	resources	resource	NOUN
ajbmeb-358	55	73	attracted	attract	VERB
ajbmeb-358	55	74	from	from	ADP
ajbmeb-358	55	75	the	the	DET
ajbmeb-358	55	76	client	client	NOUN
ajbmeb-358	55	77	(	(	PUNCT
ajbmeb-358	55	78	the	the	DET
ajbmeb-358	55	79	difference	difference	NOUN
ajbmeb-358	55	80	between	between	ADP
ajbmeb-358	55	81	the	the	DET
ajbmeb-358	55	82	resources	resource	NOUN
ajbmeb-358	55	83	allocated	allocate	VERB
ajbmeb-358	55	84	to	to	ADP
ajbmeb-358	55	85	clients	client	NOUN
ajbmeb-358	55	86	and	and	CCONJ
ajbmeb-358	55	87	the	the	DET
ajbmeb-358	55	88	resources	resource	NOUN
ajbmeb-358	55	89	attracted	attract	VERB
ajbmeb-358	55	90	from	from	ADP
ajbmeb-358	55	91	clients	client	NOUN
ajbmeb-358	55	92	and	and	CCONJ
ajbmeb-358	55	93	vice	vice	NOUN
ajbmeb-358	55	94	versa	versa	ADV
ajbmeb-358	55	95	)	)	PUNCT
ajbmeb-358	55	96	;	;	PUNCT
ajbmeb-358	55	97	step	step	NOUN
ajbmeb-358	55	98	4	4	NUM
ajbmeb-358	55	99	.	.	PUNCT
ajbmeb-358	55	100	calculation	calculation	NOUN
ajbmeb-358	55	101	of	of	ADP
ajbmeb-358	55	102	the	the	DET
ajbmeb-358	55	103	amount	amount	NOUN
ajbmeb-358	55	104	of	of	ADP
ajbmeb-358	55	105	income	income	NOUN
ajbmeb-358	55	106	received	receive	VERB
ajbmeb-358	55	107	from	from	ADP
ajbmeb-358	55	108	the	the	DET
ajbmeb-358	55	109	client	client	NOUN
ajbmeb-358	55	110	(	(	PUNCT
ajbmeb-358	55	111	average	average	ADJ
ajbmeb-358	55	112	monthly	monthly	ADJ
ajbmeb-358	55	113	interest	interest	NOUN
ajbmeb-358	55	114	income	income	NOUN
ajbmeb-358	55	115	on	on	ADP
ajbmeb-358	55	116	credit	credit	NOUN
ajbmeb-358	55	117	resources	resource	NOUN
ajbmeb-358	55	118	;	;	PUNCT
ajbmeb-358	55	119	average	average	ADJ
ajbmeb-358	55	120	monthly	monthly	ADJ
ajbmeb-358	55	121	interest	interest	NOUN
ajbmeb-358	55	122	income	income	NOUN
ajbmeb-358	55	123	from	from	ADP
ajbmeb-358	55	124	the	the	DET
ajbmeb-358	55	125	placement	placement	NOUN
ajbmeb-358	55	126	of	of	ADP
ajbmeb-358	55	127	the	the	DET
ajbmeb-358	55	128	client	client	NOUN
ajbmeb-358	55	129	's	's	PART
ajbmeb-358	55	130	funds	fund	NOUN
ajbmeb-358	55	131	;	;	PUNCT
ajbmeb-358	55	132	average	average	ADJ
ajbmeb-358	55	133	monthly	monthly	ADJ
ajbmeb-358	55	134	non	non	ADJ
ajbmeb-358	55	135	-	-	ADJ
ajbmeb-358	55	136	interest	interest	ADJ
ajbmeb-358	55	137	income	income	NOUN
ajbmeb-358	55	138	from	from	ADP
ajbmeb-358	55	139	customer	customer	NOUN
ajbmeb-358	55	140	service	service	NOUN
ajbmeb-358	55	141	)	)	PUNCT
ajbmeb-358	55	142	;	;	PUNCT
ajbmeb-358	55	143	step	step	NOUN
ajbmeb-358	55	144	5	5	NUM
ajbmeb-358	55	145	.	.	PUNCT
ajbmeb-358	55	146	calculation	calculation	NOUN
ajbmeb-358	55	147	of	of	ADP
ajbmeb-358	55	148	expenses	expense	NOUN
ajbmeb-358	55	149	related	relate	VERB
ajbmeb-358	55	150	to	to	ADP
ajbmeb-358	55	151	customer	customer	NOUN
ajbmeb-358	55	152	service	service	NOUN
ajbmeb-358	55	153	(	(	PUNCT
ajbmeb-358	55	154	average	average	ADJ
ajbmeb-358	55	155	monthly	monthly	ADJ
ajbmeb-358	55	156	volume	volume	NOUN
ajbmeb-358	55	157	of	of	ADP
ajbmeb-358	55	158	interest	interest	NOUN
ajbmeb-358	55	159	expenses	expense	NOUN
ajbmeb-358	55	160	,	,	PUNCT
ajbmeb-358	55	161	average	average	ADJ
ajbmeb-358	55	162	monthly	monthly	ADJ
ajbmeb-358	55	163	volume	volume	NOUN
ajbmeb-358	55	164	of	of	ADP
ajbmeb-358	55	165	non	non	ADJ
ajbmeb-358	55	166	-	-	ADJ
ajbmeb-358	55	167	interest	interest	ADJ
ajbmeb-358	55	168	expenses	expense	NOUN
ajbmeb-358	55	169	related	relate	VERB
ajbmeb-358	55	170	to	to	ADP
ajbmeb-358	55	171	the	the	DET
ajbmeb-358	55	172	implementation	implementation	NOUN
ajbmeb-358	55	173	of	of	ADP
ajbmeb-358	55	174	customer	customer	NOUN
ajbmeb-358	55	175	transactions	transaction	NOUN
ajbmeb-358	55	176	,	,	PUNCT
ajbmeb-358	55	177	average	average	ADJ
ajbmeb-358	55	178	monthly	monthly	ADJ
ajbmeb-358	55	179	volume	volume	NOUN
ajbmeb-358	55	180	of	of	ADP
ajbmeb-358	55	181	non	non	ADJ
ajbmeb-358	55	182	-	-	ADJ
ajbmeb-358	55	183	interest	interest	ADJ
ajbmeb-358	55	184	expenses	expense	NOUN
ajbmeb-358	55	185	related	relate	VERB
ajbmeb-358	55	186	to	to	ADP
ajbmeb-358	55	187	the	the	DET
ajbmeb-358	55	188	provision	provision	NOUN
ajbmeb-358	55	189	of	of	ADP
ajbmeb-358	55	190	commission	commission	NOUN
ajbmeb-358	55	191	services	service	NOUN
ajbmeb-358	55	192	to	to	ADP
ajbmeb-358	55	193	the	the	DET
ajbmeb-358	55	194	customer	customer	NOUN
ajbmeb-358	55	195	)	)	PUNCT
ajbmeb-358	55	196	;	;	PUNCT
ajbmeb-358	55	197	step	step	NOUN
ajbmeb-358	55	198	6	6	NUM
ajbmeb-358	55	199	.	.	PUNCT
ajbmeb-358	56	1	calculation	calculation	NOUN
ajbmeb-358	56	2	of	of	ADP
ajbmeb-358	56	3	the	the	DET
ajbmeb-358	56	4	projected	project	VERB
ajbmeb-358	56	5	profitability	profitability	NOUN
ajbmeb-358	56	6	of	of	ADP
ajbmeb-358	56	7	customer	customer	NOUN
ajbmeb-358	56	8	service	service	NOUN
ajbmeb-358	56	9	(	(	PUNCT
ajbmeb-358	56	10	average	average	ADJ
ajbmeb-358	56	11	monthly	monthly	ADJ
ajbmeb-358	56	12	net	net	ADJ
ajbmeb-358	56	13	income	income	NOUN
ajbmeb-358	56	14	from	from	ADP
ajbmeb-358	56	15	customer	customer	NOUN
ajbmeb-358	56	16	transactions	transaction	NOUN
ajbmeb-358	56	17	;	;	PUNCT
ajbmeb-358	56	18	r1	r1	PROPN
ajbmeb-358	56	19	forecast	forecast	NOUN
ajbmeb-358	56	20	profitability	profitability	NOUN
ajbmeb-358	56	21	;	;	PUNCT
ajbmeb-358	56	22	r2	r2	PROPN
ajbmeb-358	56	23	forecast	forecast	NOUN
ajbmeb-358	56	24	profitability	profitability	NOUN
ajbmeb-358	56	25	)	)	PUNCT
ajbmeb-358	56	26	.	.	PUNCT
ajbmeb-358	57	1	according	accord	VERB
ajbmeb-358	57	2	to	to	ADP
ajbmeb-358	57	3	the	the	DET
ajbmeb-358	57	4	methodology	methodology	NOUN
ajbmeb-358	57	5	of	of	ADP
ajbmeb-358	57	6	"	"	PUNCT
ajbmeb-358	57	7	sberbank	sberbank	NOUN
ajbmeb-358	57	8	of	of	ADP
ajbmeb-358	57	9	russia	russia	PROPN
ajbmeb-358	57	10	"	"	PUNCT
ajbmeb-358	57	11	,	,	PUNCT
ajbmeb-358	57	12	the	the	DET
ajbmeb-358	57	13	average	average	ADJ
ajbmeb-358	57	14	monthly	monthly	ADJ
ajbmeb-358	57	15	net	net	ADJ
ajbmeb-358	57	16	income	income	NOUN
ajbmeb-358	57	17	(	(	PUNCT
ajbmeb-358	57	18	ds	ds	NOUN
ajbmeb-358	57	19	)	)	PUNCT
ajbmeb-358	57	20	for	for	ADP
ajbmeb-358	57	21	customer	customer	NOUN
ajbmeb-358	57	22	transactions	transaction	NOUN
ajbmeb-358	57	23	is	be	AUX
ajbmeb-358	57	24	calculated	calculate	VERB
ajbmeb-358	57	25	by	by	ADP
ajbmeb-358	57	26	determining	determine	VERB
ajbmeb-358	57	27	the	the	DET
ajbmeb-358	57	28	difference	difference	NOUN
ajbmeb-358	57	29	between	between	ADP
ajbmeb-358	57	30	income	income	NOUN
ajbmeb-358	57	31	and	and	CCONJ
ajbmeb-358	57	32	expenses	expense	NOUN
ajbmeb-358	57	33	:	:	PUNCT
ajbmeb-358	57	34	(	(	PUNCT
ajbmeb-358	57	35	1.2	1.2	NUM
ajbmeb-358	57	36	)	)	PUNCT
ajbmeb-358	57	37	(	(	PUNCT
ajbmeb-358	57	38	1.3	1.3	NUM
ajbmeb-358	57	39	)	)	PUNCT
ajbmeb-358	57	40	american	american	ADJ
ajbmeb-358	57	41	journal	journal	PROPN
ajbmeb-358	57	42	of	of	ADP
ajbmeb-358	57	43	business	business	NOUN
ajbmeb-358	57	44	management	management	NOUN
ajbmeb-358	57	45	,	,	PUNCT
ajbmeb-358	57	46	economics	economic	NOUN
ajbmeb-358	57	47	and	and	CCONJ
ajbmeb-358	57	48	banking	banking	NOUN
ajbmeb-358	57	49	volume	volume	NOUN
ajbmeb-358	57	50	8	8	NUM
ajbmeb-358	57	51	,	,	PUNCT
ajbmeb-358	57	52	jan	jan	PROPN
ajbmeb-358	57	53	.	.	PROPN
ajbmeb-358	57	54	,	,	PUNCT
ajbmeb-358	57	55	2023	2023	NUM
ajbmeb-358	57	56	p	p	NOUN
ajbmeb-358	57	57	a	a	DET
ajbmeb-358	57	58	g	g	NOUN
ajbmeb-358	57	59	e	e	NOUN
ajbmeb-358	57	60	|	|	NOUN
ajbmeb-358	57	61	88	88	NUM
ajbmeb-358	57	62	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	57	63	ds	ds	PROPN
ajbmeb-358	57	64	=	=	SYM
ajbmeb-358	57	65	d	d	PROPN
ajbmeb-358	57	66	(	(	PUNCT
ajbmeb-358	57	67	revenues	revenue	NOUN
ajbmeb-358	57	68	)	)	PUNCT
ajbmeb-358	57	69	–	–	PUNCT
ajbmeb-358	57	70	x	x	X
ajbmeb-358	57	71	(	(	PUNCT
ajbmeb-358	57	72	expenses	expense	NOUN
ajbmeb-358	57	73	)	)	PUNCT
ajbmeb-358	57	74	.	.	PUNCT
ajbmeb-358	58	1	the	the	DET
ajbmeb-358	58	2	following	follow	VERB
ajbmeb-358	58	3	formulas	formula	NOUN
ajbmeb-358	58	4	are	be	AUX
ajbmeb-358	58	5	used	use	VERB
ajbmeb-358	58	6	to	to	PART
ajbmeb-358	58	7	calculate	calculate	VERB
ajbmeb-358	58	8	the	the	DET
ajbmeb-358	58	9	forecast	forecast	NOUN
ajbmeb-358	58	10	profitability	profitability	NOUN
ajbmeb-358	58	11	of	of	ADP
ajbmeb-358	58	12	r1	r1	NOUN
ajbmeb-358	58	13	and	and	CCONJ
ajbmeb-358	58	14	r2	r2	PROPN
ajbmeb-358	58	15	:	:	PUNCT
ajbmeb-358	58	16	according	accord	VERB
ajbmeb-358	58	17	to	to	ADP
ajbmeb-358	58	18	the	the	DET
ajbmeb-358	58	19	german	german	ADJ
ajbmeb-358	58	20	scientist	scientist	NOUN
ajbmeb-358	58	21	,	,	PUNCT
ajbmeb-358	58	22	professor	professor	NOUN
ajbmeb-358	58	23	t.	t.	PROPN
ajbmeb-358	58	24	y.	y.	PROPN
ajbmeb-358	58	25	gerpott	gerpott	PROPN
ajbmeb-358	58	26	,	,	PUNCT
ajbmeb-358	58	27	the	the	DET
ajbmeb-358	58	28	level	level	NOUN
ajbmeb-358	58	29	of	of	ADP
ajbmeb-358	58	30	customer	customer	NOUN
ajbmeb-358	58	31	satisfaction	satisfaction	NOUN
ajbmeb-358	58	32	is	be	AUX
ajbmeb-358	58	33	"	"	PUNCT
ajbmeb-358	58	34	an	an	DET
ajbmeb-358	58	35	organized	organize	VERB
ajbmeb-358	58	36	summation	summation	NOUN
ajbmeb-358	58	37	of	of	ADP
ajbmeb-358	58	38	evaluations	evaluation	NOUN
ajbmeb-358	58	39	of	of	ADP
ajbmeb-358	58	40	individual	individual	ADJ
ajbmeb-358	58	41	characteristics	characteristic	NOUN
ajbmeb-358	58	42	of	of	ADP
ajbmeb-358	58	43	the	the	DET
ajbmeb-358	58	44	service	service	NOUN
ajbmeb-358	58	45	(	(	PUNCT
ajbmeb-358	58	46	they	they	PRON
ajbmeb-358	58	47	can	can	AUX
ajbmeb-358	58	48	be	be	AUX
ajbmeb-358	58	49	positive	positive	ADJ
ajbmeb-358	58	50	or	or	CCONJ
ajbmeb-358	58	51	negative	negative	ADJ
ajbmeb-358	58	52	)	)	PUNCT
ajbmeb-358	58	53	,	,	PUNCT
ajbmeb-358	58	54	and	and	CCONJ
ajbmeb-358	58	55	this	this	DET
ajbmeb-358	58	56	evaluation	evaluation	NOUN
ajbmeb-358	58	57	is	be	AUX
ajbmeb-358	58	58	influenced	influence	VERB
ajbmeb-358	58	59	by	by	ADP
ajbmeb-358	58	60	the	the	DET
ajbmeb-358	58	61	expected	expect	VERB
ajbmeb-358	58	62	and	and	CCONJ
ajbmeb-358	58	63	perceived	perceive	VERB
ajbmeb-358	58	64	quality	quality	NOUN
ajbmeb-358	58	65	characteristics	characteristic	NOUN
ajbmeb-358	58	66	.	.	PUNCT
ajbmeb-358	58	67	"	"	PUNCT
ajbmeb-358	59	1	continuing	continue	VERB
ajbmeb-358	59	2	his	his	PRON
ajbmeb-358	59	3	comments	comment	NOUN
ajbmeb-358	59	4	,	,	PUNCT
ajbmeb-358	59	5	the	the	DET
ajbmeb-358	59	6	scientist	scientist	NOUN
ajbmeb-358	59	7	said	say	VERB
ajbmeb-358	59	8	that	that	SCONJ
ajbmeb-358	59	9	"	"	PUNCT
ajbmeb-358	59	10	a	a	DET
ajbmeb-358	59	11	positive	positive	ADJ
ajbmeb-358	59	12	evaluation	evaluation	NOUN
ajbmeb-358	59	13	of	of	ADP
ajbmeb-358	59	14	the	the	DET
ajbmeb-358	59	15	service	service	NOUN
ajbmeb-358	59	16	increases	increase	VERB
ajbmeb-358	59	17	the	the	DET
ajbmeb-358	59	18	probability	probability	NOUN
ajbmeb-358	59	19	of	of	ADP
ajbmeb-358	59	20	repurchase	repurchase	NOUN
ajbmeb-358	59	21	by	by	ADP
ajbmeb-358	59	22	the	the	DET
ajbmeb-358	59	23	customer	customer	NOUN
ajbmeb-358	59	24	,	,	PUNCT
ajbmeb-358	59	25	but	but	CCONJ
ajbmeb-358	59	26	does	do	AUX
ajbmeb-358	59	27	not	not	PART
ajbmeb-358	59	28	guarantee	guarantee	VERB
ajbmeb-358	59	29	it	it	PRON
ajbmeb-358	59	30	,	,	PUNCT
ajbmeb-358	59	31	because	because	SCONJ
ajbmeb-358	59	32	the	the	DET
ajbmeb-358	59	33	level	level	NOUN
ajbmeb-358	59	34	of	of	ADP
ajbmeb-358	59	35	customer	customer	NOUN
ajbmeb-358	59	36	satisfaction	satisfaction	NOUN
ajbmeb-358	59	37	is	be	AUX
ajbmeb-358	59	38	greatly	greatly	ADV
ajbmeb-358	59	39	influenced	influence	VERB
ajbmeb-358	59	40	by	by	ADP
ajbmeb-358	59	41	its	its	PRON
ajbmeb-358	59	42	functional	functional	ADJ
ajbmeb-358	59	43	and	and	CCONJ
ajbmeb-358	59	44	economic	economic	ADJ
ajbmeb-358	59	45	connection	connection	NOUN
ajbmeb-358	59	46	with	with	ADP
ajbmeb-358	59	47	the	the	DET
ajbmeb-358	59	48	bank	bank	NOUN
ajbmeb-358	59	49	,	,	PUNCT
ajbmeb-358	59	50	the	the	DET
ajbmeb-358	59	51	level	level	NOUN
ajbmeb-358	59	52	of	of	ADP
ajbmeb-358	59	53	attractiveness	attractiveness	NOUN
ajbmeb-358	59	54	of	of	ADP
ajbmeb-358	59	55	the	the	DET
ajbmeb-358	59	56	services	service	NOUN
ajbmeb-358	59	57	offered	offer	VERB
ajbmeb-358	59	58	by	by	ADP
ajbmeb-358	59	59	competitors	competitor	NOUN
ajbmeb-358	59	60	,	,	PUNCT
ajbmeb-358	59	61	and	and	CCONJ
ajbmeb-358	59	62	the	the	DET
ajbmeb-358	59	63	general	general	ADJ
ajbmeb-358	59	64	evaluation	evaluation	NOUN
ajbmeb-358	59	65	of	of	ADP
ajbmeb-358	59	66	private	private	ADJ
ajbmeb-358	59	67	business	business	NOUN
ajbmeb-358	59	68	.	.	PUNCT
ajbmeb-358	59	69	"	"	PUNCT
ajbmeb-358	59	70	concluded	conclude	VERB
ajbmeb-358	59	71	that	that	SCONJ
ajbmeb-358	60	1	[	[	X
ajbmeb-358	60	2	10	10	NUM
ajbmeb-358	60	3	]	]	PUNCT
ajbmeb-358	60	4	.	.	PUNCT
ajbmeb-358	61	1	according	accord	VERB
ajbmeb-358	61	2	to	to	ADP
ajbmeb-358	61	3	most	most	ADJ
ajbmeb-358	61	4	scientists	scientist	NOUN
ajbmeb-358	61	5	,	,	PUNCT
ajbmeb-358	61	6	the	the	DET
ajbmeb-358	61	7	effectiveness	effectiveness	NOUN
ajbmeb-358	61	8	of	of	ADP
ajbmeb-358	61	9	bank	bank	NOUN
ajbmeb-358	61	10	activity	activity	NOUN
ajbmeb-358	61	11	is	be	AUX
ajbmeb-358	61	12	directly	directly	ADV
ajbmeb-358	61	13	related	relate	VERB
ajbmeb-358	61	14	to	to	ADP
ajbmeb-358	61	15	the	the	DET
ajbmeb-358	61	16	level	level	NOUN
ajbmeb-358	61	17	of	of	ADP
ajbmeb-358	61	18	competitiveness	competitiveness	NOUN
ajbmeb-358	61	19	of	of	ADP
ajbmeb-358	61	20	the	the	DET
ajbmeb-358	61	21	bank	bank	NOUN
ajbmeb-358	61	22	.	.	PUNCT
ajbmeb-358	62	1	according	accord	VERB
ajbmeb-358	62	2	to	to	ADP
ajbmeb-358	62	3	the	the	DET
ajbmeb-358	62	4	conclusions	conclusion	NOUN
ajbmeb-358	62	5	of	of	ADP
ajbmeb-358	62	6	well	well	ADV
ajbmeb-358	62	7	-	-	PUNCT
ajbmeb-358	62	8	known	know	VERB
ajbmeb-358	62	9	american	american	ADJ
ajbmeb-358	62	10	scientists	scientist	NOUN
ajbmeb-358	62	11	j.	j.	PROPN
ajbmeb-358	62	12	sinkikichik	sinkikichik	PROPN
ajbmeb-358	62	13	and	and	CCONJ
ajbmeb-358	62	14	m.	m.	NOUN
ajbmeb-358	62	15	porter	porter	NOUN
ajbmeb-358	62	16	[	[	X
ajbmeb-358	62	17	11	11	NUM
ajbmeb-358	62	18	]	]	PUNCT
ajbmeb-358	62	19	,	,	PUNCT
ajbmeb-358	62	20	efficiency	efficiency	NOUN
ajbmeb-358	62	21	depends	depend	VERB
ajbmeb-358	62	22	on	on	ADP
ajbmeb-358	62	23	the	the	DET
ajbmeb-358	62	24	main	main	ADJ
ajbmeb-358	62	25	feature	feature	NOUN
ajbmeb-358	62	26	of	of	ADP
ajbmeb-358	62	27	competitiveness	competitiveness	NOUN
ajbmeb-358	62	28	,	,	PUNCT
ajbmeb-358	62	29	that	that	ADV
ajbmeb-358	62	30	is	is	ADV
ajbmeb-358	62	31	,	,	PUNCT
ajbmeb-358	62	32	the	the	DET
ajbmeb-358	62	33	convenience	convenience	NOUN
ajbmeb-358	62	34	created	create	VERB
ajbmeb-358	62	35	for	for	ADP
ajbmeb-358	62	36	consumers	consumer	NOUN
ajbmeb-358	62	37	,	,	PUNCT
ajbmeb-358	62	38	customer	customer	NOUN
ajbmeb-358	62	39	trust	trust	NOUN
ajbmeb-358	62	40	,	,	PUNCT
ajbmeb-358	62	41	and	and	CCONJ
ajbmeb-358	62	42	the	the	DET
ajbmeb-358	62	43	formation	formation	NOUN
ajbmeb-358	62	44	of	of	ADP
ajbmeb-358	62	45	assessments	assessment	NOUN
ajbmeb-358	62	46	for	for	ADP
ajbmeb-358	62	47	services	service	NOUN
ajbmeb-358	62	48	.	.	PUNCT
ajbmeb-358	63	1	since	since	SCONJ
ajbmeb-358	63	2	one	one	NUM
ajbmeb-358	63	3	of	of	ADP
ajbmeb-358	63	4	the	the	DET
ajbmeb-358	63	5	important	important	ADJ
ajbmeb-358	63	6	aspects	aspect	NOUN
ajbmeb-358	63	7	of	of	ADP
ajbmeb-358	63	8	the	the	DET
ajbmeb-358	63	9	deposit	deposit	NOUN
ajbmeb-358	63	10	policy	policy	NOUN
ajbmeb-358	63	11	is	be	AUX
ajbmeb-358	63	12	the	the	DET
ajbmeb-358	63	13	calculation	calculation	NOUN
ajbmeb-358	63	14	of	of	ADP
ajbmeb-358	63	15	the	the	DET
ajbmeb-358	63	16	price	price	NOUN
ajbmeb-358	63	17	of	of	ADP
ajbmeb-358	63	18	operations	operation	NOUN
ajbmeb-358	63	19	on	on	ADP
ajbmeb-358	63	20	bank	bank	NOUN
ajbmeb-358	63	21	deposits	deposit	NOUN
ajbmeb-358	63	22	,	,	PUNCT
ajbmeb-358	63	23	we	we	PRON
ajbmeb-358	63	24	will	will	AUX
ajbmeb-358	63	25	briefly	briefly	ADV
ajbmeb-358	63	26	touch	touch	VERB
ajbmeb-358	63	27	on	on	ADP
ajbmeb-358	63	28	the	the	DET
ajbmeb-358	63	29	methods	method	NOUN
ajbmeb-358	63	30	of	of	ADP
ajbmeb-358	63	31	price	price	NOUN
ajbmeb-358	63	32	formation	formation	NOUN
ajbmeb-358	63	33	.	.	PUNCT
ajbmeb-358	64	1	in	in	ADP
ajbmeb-358	64	2	particular	particular	ADJ
ajbmeb-358	64	3	,	,	PUNCT
ajbmeb-358	64	4	a.i	a.i	PROPN
ajbmeb-358	64	5	.	.	PROPN
ajbmeb-358	64	6	borodin	borodin	PROPN
ajbmeb-358	64	7	and	and	CCONJ
ajbmeb-358	64	8	v.m	v.m	PROPN
ajbmeb-358	64	9	.	.	PROPN
ajbmeb-358	64	10	poletaeva	poletaeva	PROPN
ajbmeb-358	64	11	came	come	VERB
ajbmeb-358	64	12	to	to	ADP
ajbmeb-358	64	13	the	the	DET
ajbmeb-358	64	14	conclusion	conclusion	NOUN
ajbmeb-358	64	15	that	that	SCONJ
ajbmeb-358	64	16	it	it	PRON
ajbmeb-358	64	17	is	be	AUX
ajbmeb-358	64	18	appropriate	appropriate	ADJ
ajbmeb-358	64	19	to	to	PART
ajbmeb-358	64	20	use	use	VERB
ajbmeb-358	64	21	an	an	DET
ajbmeb-358	64	22	optimization	optimization	NOUN
ajbmeb-358	64	23	mechanism	mechanism	NOUN
ajbmeb-358	64	24	that	that	PRON
ajbmeb-358	64	25	takes	take	VERB
ajbmeb-358	64	26	into	into	ADP
ajbmeb-358	64	27	account	account	NOUN
ajbmeb-358	64	28	the	the	DET
ajbmeb-358	64	29	following	follow	VERB
ajbmeb-358	64	30	limiting	limit	VERB
ajbmeb-358	64	31	parameters	parameter	NOUN
ajbmeb-358	64	32	when	when	SCONJ
ajbmeb-358	64	33	setting	set	VERB
ajbmeb-358	64	34	the	the	DET
ajbmeb-358	64	35	optimal	optimal	ADJ
ajbmeb-358	64	36	interest	interest	NOUN
ajbmeb-358	64	37	rate	rate	NOUN
ajbmeb-358	64	38	on	on	ADP
ajbmeb-358	64	39	deposits	deposit	NOUN
ajbmeb-358	64	40	of	of	ADP
ajbmeb-358	64	41	individuals	individual	NOUN
ajbmeb-358	64	42	[	[	X
ajbmeb-358	64	43	12	12	NUM
ajbmeb-358	64	44	]	]	X
ajbmeb-358	64	45	:	:	PUNCT
ajbmeb-358	64	46	the	the	DET
ajbmeb-358	64	47	base	base	NOUN
ajbmeb-358	64	48	(	(	PUNCT
ajbmeb-358	64	49	refinancing	refinancing	NOUN
ajbmeb-358	64	50	)	)	PUNCT
ajbmeb-358	64	51	rate	rate	NOUN
ajbmeb-358	64	52	of	of	ADP
ajbmeb-358	64	53	the	the	DET
ajbmeb-358	64	54	central	central	ADJ
ajbmeb-358	64	55	bank	bank	NOUN
ajbmeb-358	64	56	;	;	PUNCT
ajbmeb-358	64	57	basic	basic	ADJ
ajbmeb-358	64	58	profitability	profitability	NOUN
ajbmeb-358	64	59	of	of	ADP
ajbmeb-358	64	60	bank	bank	NOUN
ajbmeb-358	64	61	deposits	deposit	NOUN
ajbmeb-358	64	62	increased	increase	VERB
ajbmeb-358	64	63	by	by	ADP
ajbmeb-358	64	64	2	2	NUM
ajbmeb-358	64	65	percentage	percentage	NOUN
ajbmeb-358	64	66	points	point	NOUN
ajbmeb-358	64	67	;	;	PUNCT
ajbmeb-358	64	68	weighted	weight	VERB
ajbmeb-358	64	69	average	average	ADJ
ajbmeb-358	64	70	base	base	NOUN
ajbmeb-358	64	71	rate	rate	NOUN
ajbmeb-358	64	72	(	(	PUNCT
ajbmeb-358	64	73	competitive	competitive	ADJ
ajbmeb-358	64	74	interest	interest	NOUN
ajbmeb-358	64	75	rate	rate	NOUN
ajbmeb-358	64	76	)	)	PUNCT
ajbmeb-358	64	77	for	for	ADP
ajbmeb-358	64	78	deposit	deposit	NOUN
ajbmeb-358	64	79	transactions	transaction	NOUN
ajbmeb-358	64	80	in	in	ADP
ajbmeb-358	64	81	national	national	ADJ
ajbmeb-358	64	82	currency	currency	NOUN
ajbmeb-358	64	83	;	;	PUNCT
ajbmeb-358	64	84	reserve	reserve	NOUN
ajbmeb-358	64	85	requirements	requirement	NOUN
ajbmeb-358	64	86	;	;	PUNCT
ajbmeb-358	64	87	banks	bank	NOUN
ajbmeb-358	64	88	'	'	PART
ajbmeb-358	64	89	need	need	NOUN
ajbmeb-358	64	90	for	for	ADP
ajbmeb-358	64	91	attracted	attract	VERB
ajbmeb-358	64	92	resources	resource	NOUN
ajbmeb-358	64	93	.	.	PUNCT
ajbmeb-358	65	1	the	the	DET
ajbmeb-358	65	2	model	model	NOUN
ajbmeb-358	65	3	proposed	propose	VERB
ajbmeb-358	65	4	by	by	ADP
ajbmeb-358	65	5	these	these	DET
ajbmeb-358	65	6	scientists	scientist	NOUN
ajbmeb-358	65	7	for	for	ADP
ajbmeb-358	65	8	determining	determine	VERB
ajbmeb-358	65	9	interest	interest	NOUN
ajbmeb-358	65	10	rates	rate	NOUN
ajbmeb-358	65	11	on	on	ADP
ajbmeb-358	65	12	household	household	NOUN
ajbmeb-358	65	13	deposits	deposit	NOUN
ajbmeb-358	65	14	looks	look	VERB
ajbmeb-358	65	15	like	like	ADP
ajbmeb-358	65	16	this	this	PRON
ajbmeb-358	65	17	:	:	PUNCT
ajbmeb-358	65	18	in	in	ADP
ajbmeb-358	65	19	this	this	PRON
ajbmeb-358	65	20	:	:	PUNCT
ajbmeb-358	65	21	i	i	PRON
ajbmeb-358	65	22	type	type	NOUN
ajbmeb-358	65	23	of	of	ADP
ajbmeb-358	65	24	deposit	deposit	NOUN
ajbmeb-358	65	25	;	;	PUNCT
ajbmeb-358	65	26	t	t	X
ajbmeb-358	65	27	term	term	NOUN
ajbmeb-358	65	28	of	of	ADP
ajbmeb-358	65	29	deposit	deposit	NOUN
ajbmeb-358	65	30	;	;	PUNCT
ajbmeb-358	65	31	hit	hit	VERB
ajbmeb-358	65	32	–	–	PUNCT
ajbmeb-358	65	33	the	the	DET
ajbmeb-358	65	34	average	average	ADJ
ajbmeb-358	65	35	interest	interest	NOUN
ajbmeb-358	65	36	rate	rate	NOUN
ajbmeb-358	65	37	on	on	ADP
ajbmeb-358	65	38	retail	retail	ADJ
ajbmeb-358	65	39	deposits	deposit	NOUN
ajbmeb-358	65	40	of	of	ADP
ajbmeb-358	65	41	the	the	DET
ajbmeb-358	65	42	bank	bank	NOUN
ajbmeb-358	65	43	(	(	PUNCT
ajbmeb-358	65	44	during	during	ADP
ajbmeb-358	65	45	the	the	DET
ajbmeb-358	65	46	reporting	reporting	NOUN
ajbmeb-358	65	47	period	period	NOUN
ajbmeb-358	65	48	)	)	PUNCT
ajbmeb-358	65	49	in	in	ADP
ajbmeb-358	65	50	percentages	percentage	NOUN
ajbmeb-358	65	51	;	;	PUNCT
ajbmeb-358	65	52	(	(	PUNCT
ajbmeb-358	65	53	1.4	1.4	NUM
ajbmeb-358	65	54	)	)	PUNCT
ajbmeb-358	65	55	(	(	PUNCT
ajbmeb-358	65	56	1.5	1.5	NUM
ajbmeb-358	65	57	)	)	PUNCT
ajbmeb-358	65	58	american	american	ADJ
ajbmeb-358	65	59	journal	journal	PROPN
ajbmeb-358	65	60	of	of	ADP
ajbmeb-358	65	61	business	business	NOUN
ajbmeb-358	65	62	management	management	NOUN
ajbmeb-358	65	63	,	,	PUNCT
ajbmeb-358	65	64	economics	economic	NOUN
ajbmeb-358	65	65	and	and	CCONJ
ajbmeb-358	65	66	banking	banking	NOUN
ajbmeb-358	65	67	volume	volume	NOUN
ajbmeb-358	65	68	8	8	NUM
ajbmeb-358	65	69	,	,	PUNCT
ajbmeb-358	65	70	jan	jan	PROPN
ajbmeb-358	65	71	.	.	PROPN
ajbmeb-358	65	72	,	,	PUNCT
ajbmeb-358	65	73	2023	2023	NUM
ajbmeb-358	65	74	p	p	NOUN
ajbmeb-358	65	75	a	a	PRON
ajbmeb-358	65	76	g	g	NOUN
ajbmeb-358	65	77	e	e	NOUN
ajbmeb-358	66	1	|	|	ADV
ajbmeb-358	66	2	89	89	NUM
ajbmeb-358	66	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-358	66	4	xio	xio	PROPN
ajbmeb-358	66	5	–	–	PUNCT
ajbmeb-358	66	6	the	the	DET
ajbmeb-358	66	7	average	average	ADJ
ajbmeb-358	66	8	interest	interest	NOUN
ajbmeb-358	66	9	rate	rate	NOUN
ajbmeb-358	66	10	on	on	ADP
ajbmeb-358	66	11	retail	retail	ADJ
ajbmeb-358	66	12	deposits	deposit	NOUN
ajbmeb-358	66	13	of	of	ADP
ajbmeb-358	66	14	the	the	DET
ajbmeb-358	66	15	bank	bank	NOUN
ajbmeb-358	66	16	(	(	PUNCT
ajbmeb-358	66	17	during	during	ADP
ajbmeb-358	66	18	the	the	DET
ajbmeb-358	66	19	reporting	reporting	NOUN
ajbmeb-358	66	20	period	period	NOUN
ajbmeb-358	66	21	)	)	PUNCT
ajbmeb-358	66	22	in	in	ADP
ajbmeb-358	66	23	percentages	percentage	NOUN
ajbmeb-358	66	24	;	;	PUNCT
ajbmeb-358	66	25	kt	kt	PROPN
ajbmeb-358	66	26	–	–	PUNCT
ajbmeb-358	66	27	base	base	NOUN
ajbmeb-358	66	28	(	(	PUNCT
ajbmeb-358	66	29	refinancing	refinancing	NOUN
ajbmeb-358	66	30	)	)	PUNCT
ajbmeb-358	66	31	rate	rate	NOUN
ajbmeb-358	66	32	of	of	ADP
ajbmeb-358	66	33	the	the	DET
ajbmeb-358	66	34	central	central	ADJ
ajbmeb-358	66	35	bank	bank	NOUN
ajbmeb-358	66	36	,	,	PUNCT
ajbmeb-358	66	37	in	in	ADP
ajbmeb-358	66	38	percentages	percentage	NOUN
ajbmeb-358	66	39	;	;	PUNCT
ajbmeb-358	66	40	bt	bt	ADP
ajbmeb-358	66	41	the	the	DET
ajbmeb-358	66	42	basic	basic	ADJ
ajbmeb-358	66	43	yield	yield	NOUN
ajbmeb-358	66	44	of	of	ADP
ajbmeb-358	66	45	bank	bank	NOUN
ajbmeb-358	66	46	deposits	deposit	NOUN
ajbmeb-358	66	47	,	,	PUNCT
ajbmeb-358	66	48	in	in	ADP
ajbmeb-358	66	49	interest	interest	NOUN
ajbmeb-358	66	50	;	;	PUNCT
ajbmeb-358	66	51	ct	ct	NUM
ajbmeb-358	66	52	–	–	PUNCT
ajbmeb-358	66	53	interest	interest	NOUN
ajbmeb-358	66	54	rate	rate	NOUN
ajbmeb-358	66	55	on	on	ADP
ajbmeb-358	66	56	similar	similar	ADJ
ajbmeb-358	66	57	deposit	deposit	NOUN
ajbmeb-358	66	58	products	product	NOUN
ajbmeb-358	66	59	offered	offer	VERB
ajbmeb-358	66	60	by	by	ADP
ajbmeb-358	66	61	competitors	competitor	NOUN
ajbmeb-358	66	62	;	;	PUNCT
ajbmeb-358	66	63	drrt	drrt	NOUN
ajbmeb-358	66	64	change	change	NOUN
ajbmeb-358	66	65	in	in	ADP
ajbmeb-358	66	66	the	the	DET
ajbmeb-358	66	67	ratio	ratio	NOUN
ajbmeb-358	66	68	of	of	ADP
ajbmeb-358	66	69	reserves	reserve	NOUN
ajbmeb-358	66	70	to	to	ADP
ajbmeb-358	66	71	mandatory	mandatory	ADJ
ajbmeb-358	66	72	reserves	reserve	NOUN
ajbmeb-358	66	73	during	during	ADP
ajbmeb-358	66	74	the	the	DET
ajbmeb-358	66	75	period	period	NOUN
ajbmeb-358	66	76	under	under	ADP
ajbmeb-358	66	77	study	study	NOUN
ajbmeb-358	66	78	;	;	PUNCT
ajbmeb-358	66	79	dbrt	dbrt	X
ajbmeb-358	66	80	–	–	PUNCT
ajbmeb-358	66	81	changes	change	NOUN
ajbmeb-358	66	82	in	in	ADP
ajbmeb-358	66	83	the	the	DET
ajbmeb-358	66	84	rates	rate	NOUN
ajbmeb-358	66	85	of	of	ADP
ajbmeb-358	66	86	allocations	allocation	NOUN
ajbmeb-358	66	87	to	to	ADP
ajbmeb-358	66	88	the	the	DET
ajbmeb-358	66	89	deposit	deposit	NOUN
ajbmeb-358	66	90	insurance	insurance	NOUN
ajbmeb-358	66	91	agency	agency	NOUN
ajbmeb-358	66	92	during	during	ADP
ajbmeb-358	66	93	the	the	DET
ajbmeb-358	66	94	research	research	NOUN
ajbmeb-358	66	95	period	period	NOUN
ajbmeb-358	66	96	;	;	PUNCT
ajbmeb-358	66	97	dit	dit	X
ajbmeb-358	66	98	–	–	PUNCT
ajbmeb-358	66	99	amount	amount	NOUN
ajbmeb-358	66	100	of	of	ADP
ajbmeb-358	66	101	attraction	attraction	NOUN
ajbmeb-358	66	102	of	of	ADP
ajbmeb-358	66	103	type	type	NOUN
ajbmeb-358	66	104	i	i	PRON
ajbmeb-358	66	105	deposits	deposit	NOUN
ajbmeb-358	66	106	of	of	ADP
ajbmeb-358	66	107	the	the	DET
ajbmeb-358	66	108	bank	bank	NOUN
ajbmeb-358	66	109	during	during	ADP
ajbmeb-358	66	110	period	period	NOUN
ajbmeb-358	66	111	t	t	PROPN
ajbmeb-358	66	112	,	,	PUNCT
ajbmeb-358	66	113	in	in	ADP
ajbmeb-358	66	114	national	national	ADJ
ajbmeb-358	66	115	currency	currency	NOUN
ajbmeb-358	66	116	;	;	PUNCT
ajbmeb-358	66	117	rit	rit	NOUN
ajbmeb-358	66	118	is	be	AUX
ajbmeb-358	66	119	the	the	DET
ajbmeb-358	66	120	amount	amount	NOUN
ajbmeb-358	66	121	of	of	ADP
ajbmeb-358	66	122	demand	demand	NOUN
ajbmeb-358	66	123	for	for	ADP
ajbmeb-358	66	124	type	type	NOUN
ajbmeb-358	66	125	i	i	PRON
ajbmeb-358	66	126	deposits	deposit	VERB
ajbmeb-358	66	127	during	during	ADP
ajbmeb-358	66	128	period	period	NOUN
ajbmeb-358	66	129	t	t	PROPN
ajbmeb-358	66	130	,	,	PUNCT
ajbmeb-358	66	131	in	in	ADP
ajbmeb-358	66	132	national	national	ADJ
ajbmeb-358	66	133	currency	currency	NOUN
ajbmeb-358	66	134	.	.	PUNCT
ajbmeb-358	67	1	the	the	DET
ajbmeb-358	67	2	scientific	scientific	ADJ
ajbmeb-358	67	3	conclusions	conclusion	NOUN
ajbmeb-358	67	4	formed	form	VERB
ajbmeb-358	67	5	on	on	ADP
ajbmeb-358	67	6	the	the	DET
ajbmeb-358	67	7	main	main	ADJ
ajbmeb-358	67	8	principles	principle	NOUN
ajbmeb-358	67	9	of	of	ADP
ajbmeb-358	67	10	the	the	DET
ajbmeb-358	67	11	deposit	deposit	NOUN
ajbmeb-358	67	12	policy	policy	NOUN
ajbmeb-358	67	13	in	in	ADP
ajbmeb-358	67	14	the	the	DET
ajbmeb-358	67	15	above	above	ADV
ajbmeb-358	67	16	-	-	PUNCT
ajbmeb-358	67	17	mentioned	mention	VERB
ajbmeb-358	67	18	two	two	NUM
ajbmeb-358	67	19	scientific	scientific	ADJ
ajbmeb-358	67	20	directions	direction	NOUN
ajbmeb-358	67	21	are	be	AUX
ajbmeb-358	67	22	fundamentally	fundamentally	ADV
ajbmeb-358	67	23	indistinguishable	indistinguishable	ADJ
ajbmeb-358	67	24	from	from	ADP
ajbmeb-358	67	25	each	each	DET
ajbmeb-358	67	26	other	other	ADJ
ajbmeb-358	67	27	.	.	PUNCT
ajbmeb-358	68	1	therefore	therefore	ADV
ajbmeb-358	68	2	,	,	PUNCT
ajbmeb-358	68	3	we	we	PRON
ajbmeb-358	68	4	consider	consider	VERB
ajbmeb-358	68	5	the	the	DET
ajbmeb-358	68	6	principles	principle	NOUN
ajbmeb-358	68	7	common	common	ADJ
ajbmeb-358	68	8	to	to	ADP
ajbmeb-358	68	9	the	the	DET
ajbmeb-358	68	10	two	two	NUM
ajbmeb-358	68	11	scientific	scientific	ADJ
ajbmeb-358	68	12	directions	direction	NOUN
ajbmeb-358	68	13	and	and	CCONJ
ajbmeb-358	68	14	their	their	PRON
ajbmeb-358	68	15	economic	economic	ADJ
ajbmeb-358	68	16	essence	essence	NOUN
ajbmeb-358	68	17	(	(	PUNCT
ajbmeb-358	68	18	table	table	NOUN
ajbmeb-358	68	19	1.1	1.1	NUM
ajbmeb-358	68	20	)	)	PUNCT
ajbmeb-358	68	21	table	table	NOUN
ajbmeb-358	68	22	1	1	NUM
ajbmeb-358	68	23	the	the	DET
ajbmeb-358	68	24	main	main	ADJ
ajbmeb-358	68	25	principles	principle	NOUN
ajbmeb-358	68	26	proposed	propose	VERB
ajbmeb-358	68	27	by	by	ADP
ajbmeb-358	68	28	representatives	representative	NOUN
ajbmeb-358	68	29	of	of	ADP
ajbmeb-358	68	30	the	the	DET
ajbmeb-358	68	31	scientific	scientific	ADJ
ajbmeb-358	68	32	direction	direction	NOUN
ajbmeb-358	68	33	in	in	ADP
ajbmeb-358	68	34	relation	relation	NOUN
ajbmeb-358	68	35	to	to	ADP
ajbmeb-358	68	36	the	the	DET
ajbmeb-358	68	37	formation	formation	NOUN
ajbmeb-358	68	38	of	of	ADP
ajbmeb-358	68	39	the	the	DET
ajbmeb-358	68	40	deposit	deposit	NOUN
ajbmeb-358	68	41	policy	policy	NOUN
ajbmeb-358	68	42	[	[	X
ajbmeb-358	68	43	13	13	NUM
ajbmeb-358	68	44	]	]	PUNCT
ajbmeb-358	68	45	it	it	PRON
ajbmeb-358	68	46	can	can	AUX
ajbmeb-358	68	47	be	be	AUX
ajbmeb-358	68	48	seen	see	VERB
ajbmeb-358	68	49	from	from	ADP
ajbmeb-358	68	50	the	the	DET
ajbmeb-358	68	51	data	datum	NOUN
ajbmeb-358	68	52	of	of	ADP
ajbmeb-358	68	53	the	the	DET
ajbmeb-358	68	54	table	table	NOUN
ajbmeb-358	68	55	that	that	SCONJ
ajbmeb-358	68	56	the	the	DET
ajbmeb-358	68	57	principles	principle	NOUN
ajbmeb-358	68	58	of	of	ADP
ajbmeb-358	68	59	development	development	NOUN
ajbmeb-358	68	60	and	and	CCONJ
ajbmeb-358	68	61	implementation	implementation	NOUN
ajbmeb-358	68	62	of	of	ADP
ajbmeb-358	68	63	the	the	DET
ajbmeb-358	68	64	deposit	deposit	NOUN
ajbmeb-358	68	65	policy	policy	NOUN
ajbmeb-358	68	66	of	of	ADP
ajbmeb-358	68	67	banks	bank	NOUN
ajbmeb-358	68	68	were	be	AUX
ajbmeb-358	68	69	considered	consider	VERB
ajbmeb-358	68	70	from	from	ADP
ajbmeb-358	68	71	two	two	NUM
ajbmeb-358	68	72	aspects	aspect	NOUN
ajbmeb-358	68	73	(	(	PUNCT
ajbmeb-358	68	74	aspects	aspect	NOUN
ajbmeb-358	68	75	)	)	PUNCT
ajbmeb-358	68	76	,	,	PUNCT
ajbmeb-358	68	77	i.e.	i.e.	X
ajbmeb-358	68	78	general	general	ADJ
ajbmeb-358	68	79	principles	principle	NOUN
ajbmeb-358	68	80	for	for	ADP
ajbmeb-358	68	81	banks	bank	NOUN
ajbmeb-358	68	82	and	and	CCONJ
ajbmeb-358	68	83	special	special	ADJ
ajbmeb-358	68	84	principles	principle	NOUN
ajbmeb-358	68	85	related	relate	VERB
ajbmeb-358	68	86	to	to	ADP
ajbmeb-358	68	87	the	the	DET
ajbmeb-358	68	88	structural	structural	ADJ
ajbmeb-358	68	89	units	unit	NOUN
ajbmeb-358	68	90	of	of	ADP
ajbmeb-358	68	91	the	the	DET
ajbmeb-358	68	92	bank	bank	NOUN
ajbmeb-358	68	93	responsible	responsible	ADJ
ajbmeb-358	68	94	for	for	ADP
ajbmeb-358	68	95	the	the	DET
ajbmeb-358	68	96	development	development	NOUN
ajbmeb-358	68	97	and	and	CCONJ
ajbmeb-358	68	98	implementation	implementation	NOUN
ajbmeb-358	68	99	of	of	ADP
ajbmeb-358	68	100	the	the	DET
ajbmeb-358	68	101	deposit	deposit	NOUN
ajbmeb-358	68	102	policy	policy	NOUN
ajbmeb-358	68	103	.	.	PUNCT
ajbmeb-358	69	1	general	general	ADJ
ajbmeb-358	69	2	principles	principle	NOUN
ajbmeb-358	69	3	special	special	ADJ
ajbmeb-358	69	4	principles	principle	NOUN
ajbmeb-358	69	5	the	the	DET
ajbmeb-358	69	6	name	name	NOUN
ajbmeb-358	69	7	of	of	ADP
ajbmeb-358	69	8	the	the	DET
ajbmeb-358	69	9	principle	principle	ADJ
ajbmeb-358	69	10	general	general	ADJ
ajbmeb-358	69	11	feature	feature	VERB
ajbmeb-358	69	12	the	the	DET
ajbmeb-358	69	13	name	name	NOUN
ajbmeb-358	69	14	of	of	ADP
ajbmeb-358	69	15	the	the	DET
ajbmeb-358	69	16	principle	principle	ADJ
ajbmeb-358	69	17	general	general	ADJ
ajbmeb-358	69	18	feature	feature	NOUN
ajbmeb-358	69	19	compliance	compliance	NOUN
ajbmeb-358	69	20	with	with	ADP
ajbmeb-358	69	21	legal	legal	ADJ
ajbmeb-358	69	22	norms	norm	NOUN
ajbmeb-358	69	23	compliance	compliance	NOUN
ajbmeb-358	69	24	of	of	ADP
ajbmeb-358	69	25	the	the	DET
ajbmeb-358	69	26	deposit	deposit	NOUN
ajbmeb-358	69	27	policy	policy	NOUN
ajbmeb-358	69	28	with	with	ADP
ajbmeb-358	69	29	the	the	DET
ajbmeb-358	69	30	requirements	requirement	NOUN
ajbmeb-358	69	31	of	of	ADP
ajbmeb-358	69	32	the	the	DET
ajbmeb-358	69	33	relevant	relevant	ADJ
ajbmeb-358	69	34	laws	law	NOUN
ajbmeb-358	69	35	and	and	CCONJ
ajbmeb-358	69	36	regulations	regulation	NOUN
ajbmeb-358	69	37	unity	unity	NOUN
ajbmeb-358	69	38	of	of	ADP
ajbmeb-358	69	39	elements	element	NOUN
ajbmeb-358	69	40	all	all	DET
ajbmeb-358	69	41	elements	element	NOUN
ajbmeb-358	69	42	of	of	ADP
ajbmeb-358	69	43	the	the	DET
ajbmeb-358	69	44	deposit	deposit	NOUN
ajbmeb-358	69	45	policy	policy	NOUN
ajbmeb-358	69	46	are	be	AUX
ajbmeb-358	69	47	considered	consider	VERB
ajbmeb-358	69	48	in	in	ADP
ajbmeb-358	69	49	a	a	DET
ajbmeb-358	69	50	coherent	coherent	ADJ
ajbmeb-358	69	51	unity	unity	NOUN
ajbmeb-358	69	52	and	and	CCONJ
ajbmeb-358	69	53	connection	connection	NOUN
ajbmeb-358	69	54	scientific	scientific	ADJ
ajbmeb-358	69	55	basis	basis	NOUN
ajbmeb-358	69	56	the	the	DET
ajbmeb-358	69	57	deposit	deposit	NOUN
ajbmeb-358	69	58	policy	policy	NOUN
ajbmeb-358	69	59	relies	rely	VERB
ajbmeb-358	69	60	on	on	ADP
ajbmeb-358	69	61	the	the	DET
ajbmeb-358	69	62	latest	late	ADJ
ajbmeb-358	69	63	science	science	NOUN
ajbmeb-358	69	64	and	and	CCONJ
ajbmeb-358	69	65	best	good	ADJ
ajbmeb-358	69	66	practices	practice	NOUN
ajbmeb-358	69	67	and	and	CCONJ
ajbmeb-358	69	68	is	be	AUX
ajbmeb-358	69	69	implemented	implement	VERB
ajbmeb-358	69	70	through	through	ADP
ajbmeb-358	69	71	scientifically	scientifically	ADV
ajbmeb-358	69	72	based	base	VERB
ajbmeb-358	69	73	methods	method	NOUN
ajbmeb-358	69	74	the	the	DET
ajbmeb-358	69	75	optimal	optimal	ADJ
ajbmeb-358	69	76	level	level	NOUN
ajbmeb-358	69	77	of	of	ADP
ajbmeb-358	69	78	costs	cost	NOUN
ajbmeb-358	69	79	determining	determine	VERB
ajbmeb-358	69	80	the	the	DET
ajbmeb-358	69	81	possibilities	possibility	NOUN
ajbmeb-358	69	82	of	of	ADP
ajbmeb-358	69	83	minimizing	minimize	VERB
ajbmeb-358	69	84	the	the	DET
ajbmeb-358	69	85	costs	cost	NOUN
ajbmeb-358	69	86	of	of	ADP
ajbmeb-358	69	87	attracting	attract	VERB
ajbmeb-358	69	88	deposits	deposit	NOUN
ajbmeb-358	69	89	system	system	NOUN
ajbmeb-358	69	90	integrity	integrity	NOUN
ajbmeb-358	69	91	deposit	deposit	NOUN
ajbmeb-358	69	92	policy	policy	NOUN
ajbmeb-358	69	93	is	be	AUX
ajbmeb-358	69	94	a	a	DET
ajbmeb-358	69	95	subsystem	subsystem	NOUN
ajbmeb-358	69	96	of	of	ADP
ajbmeb-358	69	97	banking	banking	NOUN
ajbmeb-358	69	98	policy	policy	NOUN
ajbmeb-358	69	99	,	,	PUNCT
ajbmeb-358	69	100	but	but	CCONJ
ajbmeb-358	69	101	it	it	PRON
ajbmeb-358	69	102	has	have	VERB
ajbmeb-358	69	103	a	a	DET
ajbmeb-358	69	104	primary	primary	ADJ
ajbmeb-358	69	105	nature	nature	NOUN
ajbmeb-358	69	106	for	for	ADP
ajbmeb-358	69	107	policies	policy	NOUN
ajbmeb-358	69	108	in	in	ADP
ajbmeb-358	69	109	the	the	DET
ajbmeb-358	69	110	field	field	NOUN
ajbmeb-358	69	111	of	of	ADP
ajbmeb-358	69	112	asset	asset	NOUN
ajbmeb-358	69	113	operations	operation	NOUN
ajbmeb-358	69	114	profitability	profitability	NOUN
ajbmeb-358	69	115	covering	cover	VERB
ajbmeb-358	69	116	the	the	DET
ajbmeb-358	69	117	costs	cost	NOUN
ajbmeb-358	69	118	of	of	ADP
ajbmeb-358	69	119	attracting	attract	VERB
ajbmeb-358	69	120	deposits	deposit	NOUN
ajbmeb-358	69	121	with	with	ADP
ajbmeb-358	69	122	the	the	DET
ajbmeb-358	69	123	income	income	NOUN
ajbmeb-358	69	124	from	from	ADP
ajbmeb-358	69	125	their	their	PRON
ajbmeb-358	69	126	placement	placement	NOUN
ajbmeb-358	69	127	and	and	CCONJ
ajbmeb-358	69	128	receiving	receive	VERB
ajbmeb-358	69	129	the	the	DET
ajbmeb-358	69	130	planned	plan	VERB
ajbmeb-358	69	131	profit	profit	NOUN
ajbmeb-358	69	132	the	the	DET
ajbmeb-358	69	133	complexity	complexity	NOUN
ajbmeb-358	69	134	of	of	ADP
ajbmeb-358	69	135	the	the	DET
ajbmeb-358	69	136	approach	approach	NOUN
ajbmeb-358	69	137	development	development	NOUN
ajbmeb-358	69	138	of	of	ADP
ajbmeb-358	69	139	the	the	DET
ajbmeb-358	69	140	theoretical	theoretical	ADJ
ajbmeb-358	69	141	foundations	foundation	NOUN
ajbmeb-358	69	142	and	and	CCONJ
ajbmeb-358	69	143	priorities	priority	NOUN
ajbmeb-358	69	144	of	of	ADP
ajbmeb-358	69	145	the	the	DET
ajbmeb-358	69	146	deposit	deposit	NOUN
ajbmeb-358	69	147	policy	policy	NOUN
ajbmeb-358	69	148	from	from	ADP
ajbmeb-358	69	149	the	the	DET
ajbmeb-358	69	150	point	point	NOUN
ajbmeb-358	69	151	of	of	ADP
ajbmeb-358	69	152	view	view	NOUN
ajbmeb-358	69	153	of	of	ADP
ajbmeb-358	69	154	the	the	DET
ajbmeb-358	69	155	development	development	NOUN
ajbmeb-358	69	156	strategy	strategy	NOUN
ajbmeb-358	69	157	of	of	ADP
ajbmeb-358	69	158	the	the	DET
ajbmeb-358	69	159	bank	bank	NOUN
ajbmeb-358	69	160	liquidity	liquidity	NOUN
ajbmeb-358	69	161	ensuring	ensure	VERB
ajbmeb-358	69	162	bank	bank	NOUN
ajbmeb-358	69	163	liquidity	liquidity	NOUN
ajbmeb-358	69	164	and	and	CCONJ
ajbmeb-358	69	165	matching	matching	NOUN
ajbmeb-358	69	166	between	between	ADP
ajbmeb-358	69	167	assets	asset	NOUN
ajbmeb-358	69	168	and	and	CCONJ
ajbmeb-358	69	169	liabilities	liability	NOUN
ajbmeb-358	69	170	optimality	optimality	NOUN
ajbmeb-358	69	171	and	and	CCONJ
ajbmeb-358	69	172	efficiency	efficiency	NOUN
ajbmeb-358	69	173	development	development	NOUN
ajbmeb-358	69	174	of	of	ADP
ajbmeb-358	69	175	effective	effective	ADJ
ajbmeb-358	69	176	and	and	CCONJ
ajbmeb-358	69	177	optimal	optimal	ADJ
ajbmeb-358	69	178	tactical	tactical	ADJ
ajbmeb-358	69	179	directions	direction	NOUN
ajbmeb-358	69	180	and	and	CCONJ
ajbmeb-358	69	181	methods	method	NOUN
ajbmeb-358	69	182	of	of	ADP
ajbmeb-358	69	183	deposit	deposit	NOUN
ajbmeb-358	69	184	policy	policy	NOUN
ajbmeb-358	69	185	implementation	implementation	NOUN
ajbmeb-358	69	186	security	security	NOUN
ajbmeb-358	69	187	ensuring	ensure	VERB
ajbmeb-358	69	188	the	the	DET
ajbmeb-358	69	189	confidentiality	confidentiality	NOUN
ajbmeb-358	69	190	of	of	ADP
ajbmeb-358	69	191	the	the	DET
ajbmeb-358	69	192	funds	fund	NOUN
ajbmeb-358	69	193	involved	involve	VERB
ajbmeb-358	69	194	in	in	ADP
ajbmeb-358	69	195	the	the	DET
ajbmeb-358	69	196	deposit	deposit	NOUN
ajbmeb-358	69	197	and	and	CCONJ
ajbmeb-358	69	198	the	the	DET
ajbmeb-358	69	199	information	information	NOUN
ajbmeb-358	69	200	on	on	ADP
ajbmeb-358	69	201	them	they	PRON
ajbmeb-358	69	202	reliability	reliability	NOUN
ajbmeb-358	69	203	eliminate	eliminate	VERB
ajbmeb-358	69	204	the	the	DET
ajbmeb-358	69	205	risk	risk	NOUN
ajbmeb-358	69	206	of	of	ADP
ajbmeb-358	69	207	not	not	PART
ajbmeb-358	69	208	being	be	AUX
ajbmeb-358	69	209	able	able	ADJ
ajbmeb-358	69	210	to	to	PART
ajbmeb-358	69	211	receive	receive	VERB
ajbmeb-358	69	212	funds	fund	NOUN
ajbmeb-358	69	213	on	on	ADP
ajbmeb-358	69	214	deposit	deposit	NOUN
ajbmeb-358	69	215	and	and	CCONJ
ajbmeb-358	69	216	interest	interest	NOUN
ajbmeb-358	69	217	on	on	ADP
ajbmeb-358	69	218	them	they	PRON
ajbmeb-358	69	219	american	american	PROPN
ajbmeb-358	69	220	journal	journal	PROPN
ajbmeb-358	69	221	of	of	ADP
ajbmeb-358	69	222	business	business	NOUN
ajbmeb-358	69	223	management	management	NOUN
ajbmeb-358	69	224	,	,	PUNCT
ajbmeb-358	69	225	economics	economic	NOUN
ajbmeb-358	69	226	and	and	CCONJ
ajbmeb-358	69	227	banking	banking	NOUN
ajbmeb-358	69	228	volume	volume	NOUN
ajbmeb-358	69	229	8	8	NUM
ajbmeb-358	69	230	,	,	PUNCT
ajbmeb-358	69	231	jan	jan	PROPN
ajbmeb-358	69	232	.	.	PROPN
ajbmeb-358	69	233	,	,	PUNCT
ajbmeb-358	69	234	2023	2023	NUM
ajbmeb-358	69	235	p	p	NOUN
ajbmeb-358	69	236	a	a	DET
ajbmeb-358	69	237	g	g	NOUN
ajbmeb-358	69	238	e	e	NOUN
ajbmeb-358	69	239	|	|	ADV
ajbmeb-358	69	240	90	90	NUM
ajbmeb-358	69	241	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	69	242	taking	take	VERB
ajbmeb-358	69	243	into	into	ADP
ajbmeb-358	69	244	account	account	NOUN
ajbmeb-358	69	245	the	the	DET
ajbmeb-358	69	246	limited	limited	ADJ
ajbmeb-358	69	247	scope	scope	NOUN
ajbmeb-358	69	248	of	of	ADP
ajbmeb-358	69	249	scientific	scientific	ADJ
ajbmeb-358	69	250	research	research	NOUN
ajbmeb-358	69	251	work	work	NOUN
ajbmeb-358	69	252	,	,	PUNCT
ajbmeb-358	69	253	we	we	PRON
ajbmeb-358	69	254	believe	believe	VERB
ajbmeb-358	69	255	that	that	SCONJ
ajbmeb-358	69	256	it	it	PRON
ajbmeb-358	69	257	is	be	AUX
ajbmeb-358	69	258	inappropriate	inappropriate	ADJ
ajbmeb-358	69	259	to	to	PART
ajbmeb-358	69	260	make	make	VERB
ajbmeb-358	69	261	relevant	relevant	ADJ
ajbmeb-358	69	262	comments	comment	NOUN
ajbmeb-358	69	263	and	and	CCONJ
ajbmeb-358	69	264	conclusions	conclusion	NOUN
ajbmeb-358	69	265	on	on	ADP
ajbmeb-358	69	266	the	the	DET
ajbmeb-358	69	267	structural	structural	ADJ
ajbmeb-358	69	268	structure	structure	NOUN
ajbmeb-358	69	269	of	of	ADP
ajbmeb-358	69	270	the	the	DET
ajbmeb-358	69	271	deposit	deposit	NOUN
ajbmeb-358	69	272	policy	policy	NOUN
ajbmeb-358	69	273	,	,	PUNCT
ajbmeb-358	69	274	as	as	ADV
ajbmeb-358	69	275	well	well	ADV
ajbmeb-358	69	276	as	as	ADP
ajbmeb-358	69	277	the	the	DET
ajbmeb-358	69	278	principles	principle	NOUN
ajbmeb-358	69	279	of	of	ADP
ajbmeb-358	69	280	its	its	PRON
ajbmeb-358	69	281	development	development	NOUN
ajbmeb-358	69	282	and	and	CCONJ
ajbmeb-358	69	283	implementation	implementation	NOUN
ajbmeb-358	69	284	.	.	PUNCT
ajbmeb-358	70	1	therefore	therefore	ADV
ajbmeb-358	70	2	,	,	PUNCT
ajbmeb-358	70	3	based	base	VERB
ajbmeb-358	70	4	on	on	ADP
ajbmeb-358	70	5	the	the	DET
ajbmeb-358	70	6	results	result	NOUN
ajbmeb-358	70	7	of	of	ADP
ajbmeb-358	70	8	the	the	DET
ajbmeb-358	70	9	analysis	analysis	NOUN
ajbmeb-358	70	10	of	of	ADP
ajbmeb-358	70	11	scientific	scientific	ADJ
ajbmeb-358	70	12	and	and	CCONJ
ajbmeb-358	70	13	practical	practical	ADJ
ajbmeb-358	70	14	sources	source	NOUN
ajbmeb-358	70	15	,	,	PUNCT
ajbmeb-358	70	16	we	we	PRON
ajbmeb-358	70	17	will	will	AUX
ajbmeb-358	70	18	try	try	VERB
ajbmeb-358	70	19	to	to	PART
ajbmeb-358	70	20	form	form	VERB
ajbmeb-358	70	21	an	an	DET
ajbmeb-358	70	22	author	author	NOUN
ajbmeb-358	70	23	's	's	PART
ajbmeb-358	70	24	approach	approach	NOUN
ajbmeb-358	70	25	regarding	regard	VERB
ajbmeb-358	70	26	the	the	DET
ajbmeb-358	70	27	main	main	ADJ
ajbmeb-358	70	28	goal	goal	NOUN
ajbmeb-358	70	29	set	set	VERB
ajbmeb-358	70	30	before	before	ADP
ajbmeb-358	70	31	this	this	DET
ajbmeb-358	70	32	paragraph	paragraph	NOUN
ajbmeb-358	70	33	of	of	ADP
ajbmeb-358	70	34	the	the	DET
ajbmeb-358	70	35	dissertation	dissertation	NOUN
ajbmeb-358	70	36	,	,	PUNCT
ajbmeb-358	70	37	i.e.	i.e.	X
ajbmeb-358	70	38	,	,	PUNCT
ajbmeb-358	70	39	the	the	DET
ajbmeb-358	70	40	structural	structural	ADJ
ajbmeb-358	70	41	elements	element	NOUN
ajbmeb-358	70	42	of	of	ADP
ajbmeb-358	70	43	the	the	DET
ajbmeb-358	70	44	deposit	deposit	NOUN
ajbmeb-358	70	45	policy	policy	NOUN
ajbmeb-358	70	46	of	of	ADP
ajbmeb-358	70	47	commercial	commercial	ADJ
ajbmeb-358	70	48	banks	bank	NOUN
ajbmeb-358	70	49	and	and	CCONJ
ajbmeb-358	70	50	the	the	DET
ajbmeb-358	70	51	principles	principle	NOUN
ajbmeb-358	70	52	of	of	ADP
ajbmeb-358	70	53	its	its	PRON
ajbmeb-358	70	54	formation	formation	NOUN
ajbmeb-358	70	55	and	and	CCONJ
ajbmeb-358	70	56	implementation	implementation	NOUN
ajbmeb-358	70	57	.	.	PUNCT
ajbmeb-358	71	1	in	in	ADP
ajbmeb-358	71	2	our	our	PRON
ajbmeb-358	71	3	opinion	opinion	NOUN
ajbmeb-358	71	4	,	,	PUNCT
ajbmeb-358	71	5	the	the	DET
ajbmeb-358	71	6	following	follow	VERB
ajbmeb-358	71	7	characteristics	characteristic	NOUN
ajbmeb-358	71	8	and	and	CCONJ
ajbmeb-358	71	9	factors	factor	NOUN
ajbmeb-358	71	10	should	should	AUX
ajbmeb-358	71	11	be	be	AUX
ajbmeb-358	71	12	taken	take	VERB
ajbmeb-358	71	13	into	into	ADP
ajbmeb-358	71	14	account	account	NOUN
ajbmeb-358	71	15	when	when	SCONJ
ajbmeb-358	71	16	determining	determine	VERB
ajbmeb-358	71	17	the	the	DET
ajbmeb-358	71	18	structural	structural	ADJ
ajbmeb-358	71	19	elements	element	NOUN
ajbmeb-358	71	20	of	of	ADP
ajbmeb-358	71	21	the	the	DET
ajbmeb-358	71	22	deposit	deposit	NOUN
ajbmeb-358	71	23	policy	policy	NOUN
ajbmeb-358	71	24	of	of	ADP
ajbmeb-358	71	25	commercial	commercial	ADJ
ajbmeb-358	71	26	banks	bank	NOUN
ajbmeb-358	71	27	and	and	CCONJ
ajbmeb-358	71	28	their	their	PRON
ajbmeb-358	71	29	economic	economic	ADJ
ajbmeb-358	71	30	nature	nature	NOUN
ajbmeb-358	71	31	:	:	PUNCT
ajbmeb-358	71	32	first	first	ADV
ajbmeb-358	71	33	of	of	ADP
ajbmeb-358	71	34	all	all	PRON
ajbmeb-358	71	35	,	,	PUNCT
ajbmeb-358	71	36	the	the	DET
ajbmeb-358	71	37	main	main	ADJ
ajbmeb-358	71	38	rules	rule	NOUN
ajbmeb-358	71	39	of	of	ADP
ajbmeb-358	71	40	the	the	DET
ajbmeb-358	71	41	theory	theory	NOUN
ajbmeb-358	71	42	of	of	ADP
ajbmeb-358	71	43	organization	organization	NOUN
ajbmeb-358	71	44	and	and	CCONJ
ajbmeb-358	71	45	systems	system	NOUN
ajbmeb-358	71	46	,	,	PUNCT
ajbmeb-358	71	47	in	in	ADP
ajbmeb-358	71	48	particular	particular	ADJ
ajbmeb-358	71	49	,	,	PUNCT
ajbmeb-358	71	50	the	the	DET
ajbmeb-358	71	51	fact	fact	NOUN
ajbmeb-358	71	52	that	that	SCONJ
ajbmeb-358	71	53	the	the	DET
ajbmeb-358	71	54	structural	structural	ADJ
ajbmeb-358	71	55	elements	element	NOUN
ajbmeb-358	71	56	of	of	ADP
ajbmeb-358	71	57	the	the	DET
ajbmeb-358	71	58	system	system	NOUN
ajbmeb-358	71	59	can	can	AUX
ajbmeb-358	71	60	not	not	PART
ajbmeb-358	71	61	independently	independently	ADV
ajbmeb-358	71	62	affect	affect	VERB
ajbmeb-358	71	63	the	the	DET
ajbmeb-358	71	64	system	system	NOUN
ajbmeb-358	71	65	,	,	PUNCT
ajbmeb-358	71	66	such	such	DET
ajbmeb-358	71	67	an	an	DET
ajbmeb-358	71	68	effect	effect	NOUN
ajbmeb-358	71	69	can	can	AUX
ajbmeb-358	71	70	be	be	AUX
ajbmeb-358	71	71	carried	carry	VERB
ajbmeb-358	71	72	out	out	ADP
ajbmeb-358	71	73	only	only	ADV
ajbmeb-358	71	74	in	in	ADP
ajbmeb-358	71	75	interaction	interaction	NOUN
ajbmeb-358	71	76	with	with	ADP
ajbmeb-358	71	77	other	other	ADJ
ajbmeb-358	71	78	elements	element	NOUN
ajbmeb-358	71	79	,	,	PUNCT
ajbmeb-358	71	80	as	as	ADV
ajbmeb-358	71	81	well	well	ADV
ajbmeb-358	71	82	as	as	ADP
ajbmeb-358	71	83	the	the	DET
ajbmeb-358	71	84	fact	fact	NOUN
ajbmeb-358	71	85	that	that	SCONJ
ajbmeb-358	71	86	the	the	DET
ajbmeb-358	71	87	structural	structural	ADJ
ajbmeb-358	71	88	elements	element	NOUN
ajbmeb-358	71	89	of	of	ADP
ajbmeb-358	71	90	the	the	DET
ajbmeb-358	71	91	integrated	integrate	VERB
ajbmeb-358	71	92	system	system	NOUN
ajbmeb-358	71	93	do	do	AUX
ajbmeb-358	71	94	not	not	PART
ajbmeb-358	71	95	have	have	AUX
ajbmeb-358	71	96	their	their	PRON
ajbmeb-358	71	97	own	own	ADJ
ajbmeb-358	71	98	private	private	ADJ
ajbmeb-358	71	99	goals	goal	NOUN
ajbmeb-358	71	100	,	,	PUNCT
ajbmeb-358	71	101	are	be	AUX
ajbmeb-358	71	102	necessary	necessary	ADJ
ajbmeb-358	71	103	conditions	condition	NOUN
ajbmeb-358	71	104	to	to	PART
ajbmeb-358	71	105	be	be	AUX
ajbmeb-358	71	106	taken	take	VERB
ajbmeb-358	71	107	into	into	ADP
ajbmeb-358	71	108	account	account	NOUN
ajbmeb-358	71	109	in	in	ADP
ajbmeb-358	71	110	scientific	scientific	ADJ
ajbmeb-358	71	111	research	research	NOUN
ajbmeb-358	71	112	.	.	PUNCT
ajbmeb-358	72	1	is	be	AUX
ajbmeb-358	72	2	one	one	NUM
ajbmeb-358	72	3	;	;	PUNCT
ajbmeb-358	72	4	secondly	secondly	ADV
ajbmeb-358	72	5	,	,	PUNCT
ajbmeb-358	72	6	changes	change	NOUN
ajbmeb-358	72	7	occurring	occur	VERB
ajbmeb-358	72	8	in	in	ADP
ajbmeb-358	72	9	the	the	DET
ajbmeb-358	72	10	system	system	NOUN
ajbmeb-358	72	11	require	require	VERB
ajbmeb-358	72	12	changing	change	VERB
ajbmeb-358	72	13	the	the	DET
ajbmeb-358	72	14	structural	structural	ADJ
ajbmeb-358	72	15	elements	element	NOUN
ajbmeb-358	72	16	,	,	PUNCT
ajbmeb-358	72	17	as	as	ADV
ajbmeb-358	72	18	well	well	ADV
ajbmeb-358	72	19	as	as	ADP
ajbmeb-358	72	20	,	,	PUNCT
ajbmeb-358	72	21	on	on	ADP
ajbmeb-358	72	22	the	the	DET
ajbmeb-358	72	23	contrary	contrary	NOUN
ajbmeb-358	72	24	,	,	PUNCT
ajbmeb-358	72	25	not	not	PART
ajbmeb-358	72	26	to	to	PART
ajbmeb-358	72	27	ignore	ignore	VERB
ajbmeb-358	72	28	the	the	DET
ajbmeb-358	72	29	fact	fact	NOUN
ajbmeb-358	72	30	that	that	SCONJ
ajbmeb-358	72	31	a	a	DET
ajbmeb-358	72	32	change	change	NOUN
ajbmeb-358	72	33	in	in	ADP
ajbmeb-358	72	34	any	any	DET
ajbmeb-358	72	35	one	one	NUM
ajbmeb-358	72	36	of	of	ADP
ajbmeb-358	72	37	the	the	DET
ajbmeb-358	72	38	structural	structural	ADJ
ajbmeb-358	72	39	elements	element	NOUN
ajbmeb-358	72	40	,	,	PUNCT
ajbmeb-358	72	41	which	which	PRON
ajbmeb-358	72	42	is	be	AUX
ajbmeb-358	72	43	related	relate	VERB
ajbmeb-358	72	44	to	to	ADP
ajbmeb-358	72	45	the	the	DET
ajbmeb-358	72	46	fact	fact	NOUN
ajbmeb-358	72	47	that	that	SCONJ
ajbmeb-358	72	48	the	the	DET
ajbmeb-358	72	49	current	current	ADJ
ajbmeb-358	72	50	state	state	NOUN
ajbmeb-358	72	51	of	of	ADP
ajbmeb-358	72	52	the	the	DET
ajbmeb-358	72	53	system	system	NOUN
ajbmeb-358	72	54	requires	require	VERB
ajbmeb-358	72	55	a	a	DET
ajbmeb-358	72	56	change	change	NOUN
ajbmeb-358	72	57	,	,	PUNCT
ajbmeb-358	72	58	will	will	AUX
ajbmeb-358	72	59	disrupt	disrupt	VERB
ajbmeb-358	72	60	the	the	DET
ajbmeb-358	72	61	functioning	functioning	NOUN
ajbmeb-358	72	62	of	of	ADP
ajbmeb-358	72	63	the	the	DET
ajbmeb-358	72	64	system	system	NOUN
ajbmeb-358	72	65	if	if	SCONJ
ajbmeb-358	72	66	it	it	PRON
ajbmeb-358	72	67	is	be	AUX
ajbmeb-358	72	68	not	not	PART
ajbmeb-358	72	69	strictly	strictly	ADV
ajbmeb-358	72	70	followed	follow	VERB
ajbmeb-358	72	71	;	;	PUNCT
ajbmeb-358	72	72	thirdly	thirdly	ADV
ajbmeb-358	72	73	,	,	PUNCT
ajbmeb-358	72	74	it	it	PRON
ajbmeb-358	72	75	is	be	AUX
ajbmeb-358	72	76	required	require	VERB
ajbmeb-358	72	77	to	to	PART
ajbmeb-358	72	78	follow	follow	VERB
ajbmeb-358	72	79	the	the	DET
ajbmeb-358	72	80	principle	principle	NOUN
ajbmeb-358	72	81	known	know	VERB
ajbmeb-358	72	82	as	as	ADP
ajbmeb-358	72	83	"	"	PUNCT
ajbmeb-358	72	84	pareto	pareto	ADJ
ajbmeb-358	72	85	optimum	optimum	NOUN
ajbmeb-358	72	86	"	"	PUNCT
ajbmeb-358	72	87	in	in	ADP
ajbmeb-358	72	88	scientific	scientific	ADJ
ajbmeb-358	72	89	sources	source	NOUN
ajbmeb-358	72	90	when	when	SCONJ
ajbmeb-358	72	91	planning	plan	VERB
ajbmeb-358	72	92	and	and	CCONJ
ajbmeb-358	72	93	implementing	implement	VERB
ajbmeb-358	72	94	changes	change	NOUN
ajbmeb-358	72	95	related	relate	VERB
ajbmeb-358	72	96	to	to	ADP
ajbmeb-358	72	97	improvement	improvement	NOUN
ajbmeb-358	72	98	or	or	CCONJ
ajbmeb-358	72	99	optimization	optimization	NOUN
ajbmeb-358	72	100	of	of	ADP
ajbmeb-358	72	101	system	system	NOUN
ajbmeb-358	72	102	activity	activity	NOUN
ajbmeb-358	72	103	.	.	PUNCT
ajbmeb-358	73	1	according	accord	VERB
ajbmeb-358	73	2	to	to	ADP
ajbmeb-358	73	3	this	this	DET
ajbmeb-358	73	4	principle	principle	NOUN
ajbmeb-358	73	5	,	,	PUNCT
ajbmeb-358	73	6	in	in	ADP
ajbmeb-358	73	7	order	order	NOUN
ajbmeb-358	73	8	to	to	PART
ajbmeb-358	73	9	consider	consider	VERB
ajbmeb-358	73	10	that	that	SCONJ
ajbmeb-358	73	11	the	the	DET
ajbmeb-358	73	12	maximum	maximum	ADJ
ajbmeb-358	73	13	welfare	welfare	NOUN
ajbmeb-358	73	14	of	of	ADP
ajbmeb-358	73	15	the	the	DET
ajbmeb-358	73	16	society	society	NOUN
ajbmeb-358	73	17	is	be	AUX
ajbmeb-358	73	18	ensured	ensure	VERB
ajbmeb-358	73	19	and	and	CCONJ
ajbmeb-358	73	20	the	the	DET
ajbmeb-358	73	21	process	process	NOUN
ajbmeb-358	73	22	of	of	ADP
ajbmeb-358	73	23	distribution	distribution	NOUN
ajbmeb-358	73	24	of	of	ADP
ajbmeb-358	73	25	resources	resource	NOUN
ajbmeb-358	73	26	is	be	AUX
ajbmeb-358	73	27	carried	carry	VERB
ajbmeb-358	73	28	out	out	ADP
ajbmeb-358	73	29	in	in	ADP
ajbmeb-358	73	30	an	an	DET
ajbmeb-358	73	31	optimal	optimal	ADJ
ajbmeb-358	73	32	way	way	NOUN
ajbmeb-358	73	33	,	,	PUNCT
ajbmeb-358	73	34	it	it	PRON
ajbmeb-358	73	35	is	be	AUX
ajbmeb-358	73	36	necessary	necessary	ADJ
ajbmeb-358	73	37	that	that	SCONJ
ajbmeb-358	73	38	the	the	DET
ajbmeb-358	73	39	desired	desire	VERB
ajbmeb-358	73	40	change	change	NOUN
ajbmeb-358	73	41	of	of	ADP
ajbmeb-358	73	42	this	this	DET
ajbmeb-358	73	43	distribution	distribution	NOUN
ajbmeb-358	73	44	does	do	AUX
ajbmeb-358	73	45	not	not	PART
ajbmeb-358	73	46	have	have	VERB
ajbmeb-358	73	47	a	a	DET
ajbmeb-358	73	48	negative	negative	ADJ
ajbmeb-358	73	49	effect	effect	NOUN
ajbmeb-358	73	50	on	on	ADP
ajbmeb-358	73	51	the	the	DET
ajbmeb-358	73	52	welfare	welfare	NOUN
ajbmeb-358	73	53	of	of	ADP
ajbmeb-358	73	54	any	any	DET
ajbmeb-358	73	55	subject	subject	NOUN
ajbmeb-358	73	56	of	of	ADP
ajbmeb-358	73	57	the	the	DET
ajbmeb-358	73	58	economic	economic	ADJ
ajbmeb-358	73	59	system	system	NOUN
ajbmeb-358	73	60	[	[	X
ajbmeb-358	73	61	14	14	NUM
ajbmeb-358	73	62	]	]	X
ajbmeb-358	73	63	;	;	PUNCT
ajbmeb-358	73	64	fourthly	fourthly	ADV
ajbmeb-358	73	65	,	,	PUNCT
ajbmeb-358	73	66	goals	goal	NOUN
ajbmeb-358	73	67	and	and	CCONJ
ajbmeb-358	73	68	tasks	task	NOUN
ajbmeb-358	73	69	of	of	ADP
ajbmeb-358	73	70	strategic	strategic	ADJ
ajbmeb-358	73	71	importance	importance	NOUN
ajbmeb-358	73	72	,	,	PUNCT
ajbmeb-358	73	73	problems	problem	NOUN
ajbmeb-358	73	74	and	and	CCONJ
ajbmeb-358	73	75	measures	measure	NOUN
ajbmeb-358	73	76	to	to	PART
ajbmeb-358	73	77	eliminate	eliminate	VERB
ajbmeb-358	73	78	them	they	PRON
ajbmeb-358	73	79	are	be	AUX
ajbmeb-358	73	80	developed	develop	VERB
ajbmeb-358	73	81	only	only	ADV
ajbmeb-358	73	82	within	within	ADP
ajbmeb-358	73	83	the	the	DET
ajbmeb-358	73	84	framework	framework	NOUN
ajbmeb-358	73	85	of	of	ADP
ajbmeb-358	73	86	an	an	DET
ajbmeb-358	73	87	independent	independent	ADJ
ajbmeb-358	73	88	,	,	PUNCT
ajbmeb-358	73	89	integrated	integrated	ADJ
ajbmeb-358	73	90	system	system	NOUN
ajbmeb-358	73	91	.	.	PUNCT
ajbmeb-358	74	1	issues	issue	NOUN
ajbmeb-358	74	2	related	relate	VERB
ajbmeb-358	74	3	to	to	ADP
ajbmeb-358	74	4	the	the	DET
ajbmeb-358	74	5	development	development	NOUN
ajbmeb-358	74	6	and	and	CCONJ
ajbmeb-358	74	7	improvement	improvement	NOUN
ajbmeb-358	74	8	of	of	ADP
ajbmeb-358	74	9	structural	structural	ADJ
ajbmeb-358	74	10	elements	element	NOUN
ajbmeb-358	74	11	within	within	ADP
ajbmeb-358	74	12	the	the	DET
ajbmeb-358	74	13	framework	framework	NOUN
ajbmeb-358	74	14	of	of	ADP
ajbmeb-358	74	15	the	the	DET
ajbmeb-358	74	16	general	general	ADJ
ajbmeb-358	74	17	development	development	NOUN
ajbmeb-358	74	18	strategy	strategy	NOUN
ajbmeb-358	74	19	will	will	AUX
ajbmeb-358	74	20	be	be	AUX
ajbmeb-358	74	21	of	of	ADP
ajbmeb-358	74	22	tactical	tactical	ADJ
ajbmeb-358	74	23	importance	importance	NOUN
ajbmeb-358	74	24	,	,	PUNCT
ajbmeb-358	74	25	regardless	regardless	ADV
ajbmeb-358	74	26	of	of	ADP
ajbmeb-358	74	27	the	the	DET
ajbmeb-358	74	28	period	period	NOUN
ajbmeb-358	74	29	of	of	ADP
ajbmeb-358	74	30	validity	validity	NOUN
ajbmeb-358	74	31	.	.	PUNCT
ajbmeb-358	75	1	this	this	PRON
ajbmeb-358	75	2	indicates	indicate	VERB
ajbmeb-358	75	3	that	that	SCONJ
ajbmeb-358	75	4	strategic	strategic	ADJ
ajbmeb-358	75	5	management	management	NOUN
ajbmeb-358	75	6	tools	tool	NOUN
ajbmeb-358	75	7	and	and	CCONJ
ajbmeb-358	75	8	instruments	instrument	NOUN
ajbmeb-358	75	9	can	can	AUX
ajbmeb-358	75	10	not	not	PART
ajbmeb-358	75	11	be	be	AUX
ajbmeb-358	75	12	used	use	VERB
ajbmeb-358	75	13	in	in	ADP
ajbmeb-358	75	14	the	the	DET
ajbmeb-358	75	15	process	process	NOUN
ajbmeb-358	75	16	of	of	ADP
ajbmeb-358	75	17	organizing	organize	VERB
ajbmeb-358	75	18	and	and	CCONJ
ajbmeb-358	75	19	conducting	conduct	VERB
ajbmeb-358	75	20	the	the	DET
ajbmeb-358	75	21	activities	activity	NOUN
ajbmeb-358	75	22	of	of	ADP
ajbmeb-358	75	23	structural	structural	ADJ
ajbmeb-358	75	24	elements	element	NOUN
ajbmeb-358	75	25	;	;	PUNCT
ajbmeb-358	75	26	fifth	fifth	ADJ
ajbmeb-358	75	27	,	,	PUNCT
ajbmeb-358	75	28	the	the	DET
ajbmeb-358	75	29	activity	activity	NOUN
ajbmeb-358	75	30	of	of	ADP
ajbmeb-358	75	31	any	any	DET
ajbmeb-358	75	32	system	system	NOUN
ajbmeb-358	75	33	or	or	CCONJ
ajbmeb-358	75	34	its	its	PRON
ajbmeb-358	75	35	constituent	constituent	ADJ
ajbmeb-358	75	36	elements	element	NOUN
ajbmeb-358	75	37	is	be	AUX
ajbmeb-358	75	38	within	within	ADP
ajbmeb-358	75	39	the	the	DET
ajbmeb-358	75	40	influence	influence	NOUN
ajbmeb-358	75	41	of	of	ADP
ajbmeb-358	75	42	other	other	ADJ
ajbmeb-358	75	43	systems	system	NOUN
ajbmeb-358	75	44	or	or	CCONJ
ajbmeb-358	75	45	their	their	PRON
ajbmeb-358	75	46	constituent	constituent	ADJ
ajbmeb-358	75	47	elements	element	NOUN
ajbmeb-358	75	48	that	that	PRON
ajbmeb-358	75	49	are	be	AUX
ajbmeb-358	75	50	directly	directly	ADV
ajbmeb-358	75	51	or	or	CCONJ
ajbmeb-358	75	52	indirectly	indirectly	ADV
ajbmeb-358	75	53	related	related	ADJ
ajbmeb-358	75	54	to	to	ADP
ajbmeb-358	75	55	them	they	PRON
ajbmeb-358	75	56	.	.	PUNCT
ajbmeb-358	76	1	such	such	DET
ajbmeb-358	76	2	an	an	DET
ajbmeb-358	76	3	effect	effect	NOUN
ajbmeb-358	76	4	is	be	AUX
ajbmeb-358	76	5	a	a	DET
ajbmeb-358	76	6	factor	factor	NOUN
ajbmeb-358	76	7	that	that	PRON
ajbmeb-358	76	8	must	must	AUX
ajbmeb-358	76	9	be	be	AUX
ajbmeb-358	76	10	paid	pay	VERB
ajbmeb-358	76	11	attention	attention	NOUN
ajbmeb-358	76	12	to	to	ADP
ajbmeb-358	76	13	in	in	ADP
ajbmeb-358	76	14	order	order	NOUN
ajbmeb-358	76	15	to	to	PART
ajbmeb-358	76	16	ensure	ensure	VERB
ajbmeb-358	76	17	the	the	DET
ajbmeb-358	76	18	stable	stable	ADJ
ajbmeb-358	76	19	operation	operation	NOUN
ajbmeb-358	76	20	of	of	ADP
ajbmeb-358	76	21	the	the	DET
ajbmeb-358	76	22	system	system	NOUN
ajbmeb-358	76	23	.	.	PUNCT
ajbmeb-358	77	1	conclusions	conclusion	NOUN
ajbmeb-358	77	2	and	and	CCONJ
ajbmeb-358	77	3	suggestions	suggestion	NOUN
ajbmeb-358	77	4	determining	determine	VERB
ajbmeb-358	77	5	the	the	DET
ajbmeb-358	77	6	structural	structural	ADJ
ajbmeb-358	77	7	elements	element	NOUN
ajbmeb-358	77	8	of	of	ADP
ajbmeb-358	77	9	the	the	DET
ajbmeb-358	77	10	deposit	deposit	NOUN
ajbmeb-358	77	11	policy	policy	NOUN
ajbmeb-358	77	12	of	of	ADP
ajbmeb-358	77	13	commercial	commercial	ADJ
ajbmeb-358	77	14	banks	bank	NOUN
ajbmeb-358	77	15	,	,	PUNCT
ajbmeb-358	77	16	in	in	ADP
ajbmeb-358	77	17	turn	turn	NOUN
ajbmeb-358	77	18	,	,	PUNCT
ajbmeb-358	77	19	requires	require	VERB
ajbmeb-358	77	20	the	the	DET
ajbmeb-358	77	21	development	development	NOUN
ajbmeb-358	77	22	of	of	ADP
ajbmeb-358	77	23	a	a	DET
ajbmeb-358	77	24	set	set	NOUN
ajbmeb-358	77	25	of	of	ADP
ajbmeb-358	77	26	principles	principle	NOUN
ajbmeb-358	77	27	that	that	PRON
ajbmeb-358	77	28	determine	determine	VERB
ajbmeb-358	77	29	the	the	DET
ajbmeb-358	77	30	behavior	behavior	NOUN
ajbmeb-358	77	31	of	of	ADP
ajbmeb-358	77	32	each	each	DET
ajbmeb-358	77	33	element	element	NOUN
ajbmeb-358	77	34	.	.	PUNCT
ajbmeb-358	78	1	requires	require	VERB
ajbmeb-358	78	2	adjustment	adjustment	NOUN
ajbmeb-358	78	3	of	of	ADP
ajbmeb-358	78	4	the	the	DET
ajbmeb-358	78	5	deposit	deposit	NOUN
ajbmeb-358	78	6	policy	policy	NOUN
ajbmeb-358	78	7	to	to	ADP
ajbmeb-358	78	8	the	the	DET
ajbmeb-358	78	9	principles	principle	NOUN
ajbmeb-358	78	10	used	use	VERB
ajbmeb-358	78	11	in	in	ADP
ajbmeb-358	78	12	strategy	strategy	NOUN
ajbmeb-358	78	13	formation	formation	NOUN
ajbmeb-358	78	14	.	.	PUNCT
ajbmeb-358	79	1	considering	consider	VERB
ajbmeb-358	79	2	that	that	SCONJ
ajbmeb-358	79	3	the	the	DET
ajbmeb-358	79	4	principles	principle	NOUN
ajbmeb-358	79	5	used	use	VERB
ajbmeb-358	79	6	in	in	ADP
ajbmeb-358	79	7	the	the	DET
ajbmeb-358	79	8	development	development	NOUN
ajbmeb-358	79	9	of	of	ADP
ajbmeb-358	79	10	the	the	DET
ajbmeb-358	79	11	banking	banking	NOUN
ajbmeb-358	79	12	development	development	NOUN
ajbmeb-358	79	13	strategy	strategy	NOUN
ajbmeb-358	79	14	are	be	AUX
ajbmeb-358	79	15	formed	form	VERB
ajbmeb-358	79	16	on	on	ADP
ajbmeb-358	79	17	the	the	DET
ajbmeb-358	79	18	basis	basis	NOUN
ajbmeb-358	79	19	of	of	ADP
ajbmeb-358	79	20	the	the	DET
ajbmeb-358	79	21	main	main	ADJ
ajbmeb-358	79	22	strategic	strategic	ADJ
ajbmeb-358	79	23	document	document	NOUN
ajbmeb-358	79	24	of	of	ADP
ajbmeb-358	79	25	the	the	DET
ajbmeb-358	79	26	central	central	ADJ
ajbmeb-358	79	27	bank	bank	NOUN
ajbmeb-358	79	28	of	of	ADP
ajbmeb-358	79	29	the	the	DET
ajbmeb-358	79	30	republic	republic	NOUN
ajbmeb-358	79	31	of	of	ADP
ajbmeb-358	79	32	uzbekistan	uzbekistan	PROPN
ajbmeb-358	79	33	,	,	PUNCT
ajbmeb-358	79	34	"	"	PUNCT
ajbmeb-358	79	35	the	the	DET
ajbmeb-358	79	36	main	main	ADJ
ajbmeb-358	79	37	directions	direction	NOUN
ajbmeb-358	79	38	of	of	ADP
ajbmeb-358	79	39	monetary	monetary	ADJ
ajbmeb-358	79	40	policy	policy	NOUN
ajbmeb-358	79	41	"	"	PUNCT
ajbmeb-358	79	42	,	,	PUNCT
ajbmeb-358	79	43	we	we	PRON
ajbmeb-358	79	44	believe	believe	VERB
ajbmeb-358	79	45	that	that	SCONJ
ajbmeb-358	79	46	it	it	PRON
ajbmeb-358	79	47	is	be	AUX
ajbmeb-358	79	48	appropriate	appropriate	ADJ
ajbmeb-358	79	49	to	to	PART
ajbmeb-358	79	50	introduce	introduce	VERB
ajbmeb-358	79	51	them	they	PRON
ajbmeb-358	79	52	into	into	ADP
ajbmeb-358	79	53	the	the	DET
ajbmeb-358	79	54	process	process	NOUN
ajbmeb-358	79	55	of	of	ADP
ajbmeb-358	79	56	developing	develop	VERB
ajbmeb-358	79	57	and	and	CCONJ
ajbmeb-358	79	58	implementing	implement	VERB
ajbmeb-358	79	59	the	the	DET
ajbmeb-358	79	60	deposit	deposit	NOUN
ajbmeb-358	79	61	policy	policy	NOUN
ajbmeb-358	79	62	.	.	PUNCT
ajbmeb-358	80	1	in	in	ADP
ajbmeb-358	80	2	our	our	PRON
ajbmeb-358	80	3	opinion	opinion	NOUN
ajbmeb-358	80	4	,	,	PUNCT
ajbmeb-358	80	5	they	they	PRON
ajbmeb-358	80	6	are	be	AUX
ajbmeb-358	80	7	:	:	PUNCT
ajbmeb-358	80	8	1	1	X
ajbmeb-358	80	9	.	.	X
ajbmeb-358	80	10	specific	specific	ADJ
ajbmeb-358	80	11	target	target	NOUN
ajbmeb-358	80	12	areas	area	NOUN
ajbmeb-358	80	13	of	of	ADP
ajbmeb-358	80	14	the	the	DET
ajbmeb-358	80	15	deposit	deposit	NOUN
ajbmeb-358	80	16	policy	policy	NOUN
ajbmeb-358	80	17	.	.	PUNCT
ajbmeb-358	81	1	in	in	ADP
ajbmeb-358	81	2	order	order	NOUN
ajbmeb-358	81	3	to	to	PART
ajbmeb-358	81	4	increase	increase	VERB
ajbmeb-358	81	5	the	the	DET
ajbmeb-358	81	6	confidence	confidence	NOUN
ajbmeb-358	81	7	of	of	ADP
ajbmeb-358	81	8	the	the	DET
ajbmeb-358	81	9	customers	customer	NOUN
ajbmeb-358	81	10	and	and	CCONJ
ajbmeb-358	81	11	other	other	ADJ
ajbmeb-358	81	12	creditors	creditor	NOUN
ajbmeb-358	81	13	in	in	ADP
ajbmeb-358	81	14	the	the	DET
ajbmeb-358	81	15	deposit	deposit	NOUN
ajbmeb-358	81	16	policy	policy	NOUN
ajbmeb-358	81	17	of	of	ADP
ajbmeb-358	81	18	commercial	commercial	ADJ
ajbmeb-358	81	19	banks	bank	NOUN
ajbmeb-358	81	20	and	and	CCONJ
ajbmeb-358	81	21	to	to	PART
ajbmeb-358	81	22	conduct	conduct	VERB
ajbmeb-358	81	23	it	it	PRON
ajbmeb-358	81	24	effectively	effectively	ADV
ajbmeb-358	81	25	,	,	PUNCT
ajbmeb-358	81	26	they	they	PRON
ajbmeb-358	81	27	should	should	AUX
ajbmeb-358	81	28	american	american	PROPN
ajbmeb-358	81	29	journal	journal	PROPN
ajbmeb-358	81	30	of	of	ADP
ajbmeb-358	81	31	business	business	NOUN
ajbmeb-358	81	32	management	management	NOUN
ajbmeb-358	81	33	,	,	PUNCT
ajbmeb-358	81	34	economics	economic	NOUN
ajbmeb-358	81	35	and	and	CCONJ
ajbmeb-358	81	36	banking	banking	NOUN
ajbmeb-358	81	37	volume	volume	NOUN
ajbmeb-358	81	38	8	8	NUM
ajbmeb-358	81	39	,	,	PUNCT
ajbmeb-358	81	40	jan	jan	PROPN
ajbmeb-358	81	41	.	.	PROPN
ajbmeb-358	81	42	,	,	PUNCT
ajbmeb-358	81	43	2023	2023	NUM
ajbmeb-358	81	44	p	p	NOUN
ajbmeb-358	81	45	a	a	DET
ajbmeb-358	81	46	g	g	NOUN
ajbmeb-358	81	47	e	e	NOUN
ajbmeb-358	81	48	|	|	ADV
ajbmeb-358	81	49	91	91	NUM
ajbmeb-358	81	50	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	81	51	have	have	VERB
ajbmeb-358	81	52	a	a	DET
ajbmeb-358	81	53	clear	clear	ADJ
ajbmeb-358	81	54	vision	vision	NOUN
ajbmeb-358	81	55	and	and	CCONJ
ajbmeb-358	81	56	purpose	purpose	NOUN
ajbmeb-358	81	57	of	of	ADP
ajbmeb-358	81	58	the	the	DET
ajbmeb-358	81	59	present	present	ADJ
ajbmeb-358	81	60	day	day	NOUN
ajbmeb-358	81	61	and	and	CCONJ
ajbmeb-358	81	62	prospects	prospect	NOUN
ajbmeb-358	81	63	of	of	ADP
ajbmeb-358	81	64	the	the	DET
ajbmeb-358	81	65	bank	bank	NOUN
ajbmeb-358	81	66	's	's	PART
ajbmeb-358	81	67	deposit	deposit	NOUN
ajbmeb-358	81	68	policy	policy	NOUN
ajbmeb-358	81	69	.	.	PUNCT
ajbmeb-358	82	1	2	2	X
ajbmeb-358	82	2	.	.	X
ajbmeb-358	82	3	independence	independence	NOUN
ajbmeb-358	82	4	in	in	ADP
ajbmeb-358	82	5	making	make	VERB
ajbmeb-358	82	6	decisions	decision	NOUN
ajbmeb-358	82	7	on	on	ADP
ajbmeb-358	82	8	the	the	DET
ajbmeb-358	82	9	development	development	NOUN
ajbmeb-358	82	10	of	of	ADP
ajbmeb-358	82	11	the	the	DET
ajbmeb-358	82	12	deposit	deposit	NOUN
ajbmeb-358	82	13	policy	policy	NOUN
ajbmeb-358	82	14	and	and	CCONJ
ajbmeb-358	82	15	its	its	PRON
ajbmeb-358	82	16	implementation	implementation	NOUN
ajbmeb-358	82	17	.	.	PUNCT
ajbmeb-358	83	1	the	the	DET
ajbmeb-358	83	2	task	task	NOUN
ajbmeb-358	83	3	of	of	ADP
ajbmeb-358	83	4	maintaining	maintain	VERB
ajbmeb-358	83	5	an	an	DET
ajbmeb-358	83	6	efficient	efficient	ADJ
ajbmeb-358	83	7	and	and	CCONJ
ajbmeb-358	83	8	effective	effective	ADJ
ajbmeb-358	83	9	deposit	deposit	NOUN
ajbmeb-358	83	10	policy	policy	NOUN
ajbmeb-358	83	11	(	(	PUNCT
ajbmeb-358	83	12	from	from	ADP
ajbmeb-358	83	13	the	the	DET
ajbmeb-358	83	14	point	point	NOUN
ajbmeb-358	83	15	of	of	ADP
ajbmeb-358	83	16	view	view	NOUN
ajbmeb-358	83	17	of	of	ADP
ajbmeb-358	83	18	the	the	DET
ajbmeb-358	83	19	stability	stability	NOUN
ajbmeb-358	83	20	of	of	ADP
ajbmeb-358	83	21	the	the	DET
ajbmeb-358	83	22	bank	bank	NOUN
ajbmeb-358	83	23	's	's	PART
ajbmeb-358	83	24	activity	activity	NOUN
ajbmeb-358	83	25	)	)	PUNCT
ajbmeb-358	83	26	requires	require	VERB
ajbmeb-358	83	27	a	a	DET
ajbmeb-358	83	28	certain	certain	ADJ
ajbmeb-358	83	29	degree	degree	NOUN
ajbmeb-358	83	30	of	of	ADP
ajbmeb-358	83	31	independence	independence	NOUN
ajbmeb-358	83	32	of	of	ADP
ajbmeb-358	83	33	the	the	DET
ajbmeb-358	83	34	commercial	commercial	ADJ
ajbmeb-358	83	35	bank	bank	NOUN
ajbmeb-358	83	36	in	in	ADP
ajbmeb-358	83	37	making	make	VERB
ajbmeb-358	83	38	sector	sector	NOUN
ajbmeb-358	83	39	-	-	PUNCT
ajbmeb-358	83	40	related	relate	VERB
ajbmeb-358	83	41	decisions	decision	NOUN
ajbmeb-358	83	42	.	.	PUNCT
ajbmeb-358	84	1	because	because	SCONJ
ajbmeb-358	84	2	decisions	decision	NOUN
ajbmeb-358	84	3	made	make	VERB
ajbmeb-358	84	4	within	within	ADP
ajbmeb-358	84	5	the	the	DET
ajbmeb-358	84	6	framework	framework	NOUN
ajbmeb-358	84	7	of	of	ADP
ajbmeb-358	84	8	the	the	DET
ajbmeb-358	84	9	deposit	deposit	NOUN
ajbmeb-358	84	10	policy	policy	NOUN
ajbmeb-358	84	11	affect	affect	VERB
ajbmeb-358	84	12	the	the	DET
ajbmeb-358	84	13	bank	bank	NOUN
ajbmeb-358	84	14	's	's	PART
ajbmeb-358	84	15	financial	financial	ADJ
ajbmeb-358	84	16	indicators	indicator	NOUN
ajbmeb-358	84	17	with	with	ADP
ajbmeb-358	84	18	certain	certain	ADJ
ajbmeb-358	84	19	time	time	NOUN
ajbmeb-358	84	20	delays	delay	NOUN
ajbmeb-358	84	21	and	and	CCONJ
ajbmeb-358	84	22	may	may	AUX
ajbmeb-358	84	23	not	not	PART
ajbmeb-358	84	24	have	have	VERB
ajbmeb-358	84	25	immediate	immediate	ADJ
ajbmeb-358	84	26	results	result	NOUN
ajbmeb-358	84	27	.	.	PUNCT
ajbmeb-358	85	1	from	from	ADP
ajbmeb-358	85	2	this	this	DET
ajbmeb-358	85	3	point	point	NOUN
ajbmeb-358	85	4	of	of	ADP
ajbmeb-358	85	5	view	view	NOUN
ajbmeb-358	85	6	,	,	PUNCT
ajbmeb-358	85	7	it	it	PRON
ajbmeb-358	85	8	is	be	AUX
ajbmeb-358	85	9	important	important	ADJ
ajbmeb-358	85	10	for	for	SCONJ
ajbmeb-358	85	11	the	the	DET
ajbmeb-358	85	12	bank	bank	NOUN
ajbmeb-358	85	13	to	to	PART
ajbmeb-358	85	14	make	make	VERB
ajbmeb-358	85	15	decisions	decision	NOUN
ajbmeb-358	85	16	based	base	VERB
ajbmeb-358	85	17	on	on	ADP
ajbmeb-358	85	18	careful	careful	ADJ
ajbmeb-358	85	19	analysis	analysis	NOUN
ajbmeb-358	85	20	and	and	CCONJ
ajbmeb-358	85	21	to	to	PART
ajbmeb-358	85	22	be	be	AUX
ajbmeb-358	85	23	firm	firm	ADJ
ajbmeb-358	85	24	in	in	ADP
ajbmeb-358	85	25	its	its	PRON
ajbmeb-358	85	26	decisions	decision	NOUN
ajbmeb-358	85	27	regarding	regard	VERB
ajbmeb-358	85	28	the	the	DET
ajbmeb-358	85	29	deposit	deposit	NOUN
ajbmeb-358	85	30	policy	policy	NOUN
ajbmeb-358	85	31	.	.	PUNCT
ajbmeb-358	86	1	3	3	X
ajbmeb-358	86	2	.	.	X
ajbmeb-358	86	3	system	system	NOUN
ajbmeb-358	86	4	of	of	ADP
ajbmeb-358	86	5	macroeconomic	macroeconomic	ADJ
ajbmeb-358	86	6	analysis	analysis	NOUN
ajbmeb-358	86	7	and	and	CCONJ
ajbmeb-358	86	8	forecasting	forecasting	NOUN
ajbmeb-358	86	9	within	within	ADP
ajbmeb-358	86	10	the	the	DET
ajbmeb-358	86	11	deposit	deposit	NOUN
ajbmeb-358	86	12	policy	policy	NOUN
ajbmeb-358	86	13	.	.	PUNCT
ajbmeb-358	87	1	the	the	DET
ajbmeb-358	87	2	successful	successful	ADJ
ajbmeb-358	87	3	implementation	implementation	NOUN
ajbmeb-358	87	4	of	of	ADP
ajbmeb-358	87	5	the	the	DET
ajbmeb-358	87	6	deposit	deposit	NOUN
ajbmeb-358	87	7	policy	policy	NOUN
ajbmeb-358	87	8	depends	depend	VERB
ajbmeb-358	87	9	to	to	ADP
ajbmeb-358	87	10	a	a	DET
ajbmeb-358	87	11	certain	certain	ADJ
ajbmeb-358	87	12	extent	extent	NOUN
ajbmeb-358	87	13	on	on	ADP
ajbmeb-358	87	14	the	the	DET
ajbmeb-358	87	15	accuracy	accuracy	NOUN
ajbmeb-358	87	16	and	and	CCONJ
ajbmeb-358	87	17	reliability	reliability	NOUN
ajbmeb-358	87	18	of	of	ADP
ajbmeb-358	87	19	information	information	NOUN
ajbmeb-358	87	20	about	about	ADP
ajbmeb-358	87	21	the	the	DET
ajbmeb-358	87	22	state	state	NOUN
ajbmeb-358	87	23	of	of	ADP
ajbmeb-358	87	24	the	the	DET
ajbmeb-358	87	25	deposit	deposit	NOUN
ajbmeb-358	87	26	services	service	NOUN
ajbmeb-358	87	27	market	market	NOUN
ajbmeb-358	87	28	and	and	CCONJ
ajbmeb-358	87	29	its	its	PRON
ajbmeb-358	87	30	development	development	NOUN
ajbmeb-358	87	31	trends	trend	NOUN
ajbmeb-358	87	32	.	.	PUNCT
ajbmeb-358	88	1	4	4	X
ajbmeb-358	88	2	.	.	X
ajbmeb-358	88	3	effective	effective	ADJ
ajbmeb-358	88	4	means	mean	NOUN
ajbmeb-358	88	5	and	and	CCONJ
ajbmeb-358	88	6	mechanisms	mechanism	NOUN
ajbmeb-358	88	7	of	of	ADP
ajbmeb-358	88	8	deposit	deposit	NOUN
ajbmeb-358	88	9	policy	policy	NOUN
ajbmeb-358	88	10	implementation	implementation	NOUN
ajbmeb-358	88	11	.	.	PUNCT
ajbmeb-358	89	1	revision	revision	NOUN
ajbmeb-358	89	2	and	and	CCONJ
ajbmeb-358	89	3	improvement	improvement	NOUN
ajbmeb-358	89	4	of	of	ADP
ajbmeb-358	89	5	existing	exist	VERB
ajbmeb-358	89	6	tools	tool	NOUN
ajbmeb-358	89	7	and	and	CCONJ
ajbmeb-358	89	8	mechanisms	mechanism	NOUN
ajbmeb-358	89	9	,	,	PUNCT
ajbmeb-358	89	10	as	as	ADV
ajbmeb-358	89	11	well	well	ADV
ajbmeb-358	89	12	as	as	ADP
ajbmeb-358	89	13	implementation	implementation	NOUN
ajbmeb-358	89	14	of	of	ADP
ajbmeb-358	89	15	new	new	ADJ
ajbmeb-358	89	16	tools	tool	NOUN
ajbmeb-358	89	17	and	and	CCONJ
ajbmeb-358	89	18	mechanisms	mechanism	NOUN
ajbmeb-358	89	19	operating	operate	VERB
ajbmeb-358	89	20	on	on	ADP
ajbmeb-358	89	21	the	the	DET
ajbmeb-358	89	22	basis	basis	NOUN
ajbmeb-358	89	23	of	of	ADP
ajbmeb-358	89	24	market	market	NOUN
ajbmeb-358	89	25	principles	principle	NOUN
ajbmeb-358	89	26	,	,	PUNCT
ajbmeb-358	89	27	are	be	AUX
ajbmeb-358	89	28	of	of	ADP
ajbmeb-358	89	29	great	great	ADJ
ajbmeb-358	89	30	importance	importance	NOUN
ajbmeb-358	89	31	in	in	ADP
ajbmeb-358	89	32	ensuring	ensure	VERB
ajbmeb-358	89	33	the	the	DET
ajbmeb-358	89	34	strategic	strategic	ADJ
ajbmeb-358	89	35	efficiency	efficiency	NOUN
ajbmeb-358	89	36	of	of	ADP
ajbmeb-358	89	37	deposit	deposit	NOUN
ajbmeb-358	89	38	policy	policy	NOUN
ajbmeb-358	89	39	development	development	NOUN
ajbmeb-358	89	40	and	and	CCONJ
ajbmeb-358	89	41	implementation	implementation	NOUN
ajbmeb-358	89	42	.	.	PUNCT
ajbmeb-358	90	1	this	this	PRON
ajbmeb-358	90	2	means	mean	VERB
ajbmeb-358	90	3	that	that	SCONJ
ajbmeb-358	90	4	the	the	DET
ajbmeb-358	90	5	deposit	deposit	NOUN
ajbmeb-358	90	6	policy	policy	NOUN
ajbmeb-358	90	7	should	should	AUX
ajbmeb-358	90	8	be	be	AUX
ajbmeb-358	90	9	conducted	conduct	VERB
ajbmeb-358	90	10	only	only	ADV
ajbmeb-358	90	11	through	through	ADP
ajbmeb-358	90	12	market	market	NOUN
ajbmeb-358	90	13	mechanisms	mechanism	NOUN
ajbmeb-358	90	14	and	and	CCONJ
ajbmeb-358	90	15	not	not	PART
ajbmeb-358	90	16	through	through	ADP
ajbmeb-358	90	17	administrative	administrative	ADJ
ajbmeb-358	90	18	methods	method	NOUN
ajbmeb-358	90	19	.	.	PUNCT
ajbmeb-358	91	1	5	5	X
ajbmeb-358	91	2	.	.	X
ajbmeb-358	91	3	deposit	deposit	NOUN
ajbmeb-358	91	4	policy	policy	NOUN
ajbmeb-358	91	5	communication	communication	NOUN
ajbmeb-358	91	6	system	system	NOUN
ajbmeb-358	91	7	.	.	PUNCT
ajbmeb-358	92	1	the	the	DET
ajbmeb-358	92	2	communication	communication	NOUN
ajbmeb-358	92	3	policy	policy	NOUN
ajbmeb-358	92	4	includes	include	VERB
ajbmeb-358	92	5	the	the	DET
ajbmeb-358	92	6	continuous	continuous	ADJ
ajbmeb-358	92	7	dissemination	dissemination	NOUN
ajbmeb-358	92	8	of	of	ADP
ajbmeb-358	92	9	a	a	DET
ajbmeb-358	92	10	complete	complete	ADJ
ajbmeb-358	92	11	set	set	NOUN
ajbmeb-358	92	12	of	of	ADP
ajbmeb-358	92	13	financial	financial	ADJ
ajbmeb-358	92	14	and	and	CCONJ
ajbmeb-358	92	15	quality	quality	NOUN
ajbmeb-358	92	16	indicators	indicator	NOUN
ajbmeb-358	92	17	related	relate	VERB
ajbmeb-358	92	18	to	to	ADP
ajbmeb-358	92	19	the	the	DET
ajbmeb-358	92	20	deposit	deposit	NOUN
ajbmeb-358	92	21	policy	policy	NOUN
ajbmeb-358	92	22	,	,	PUNCT
ajbmeb-358	92	23	disclosing	disclose	VERB
ajbmeb-358	92	24	the	the	DET
ajbmeb-358	92	25	intermediate	intermediate	ADJ
ajbmeb-358	92	26	and	and	CCONJ
ajbmeb-358	92	27	operational	operational	ADJ
ajbmeb-358	92	28	goals	goal	NOUN
ajbmeb-358	92	29	of	of	ADP
ajbmeb-358	92	30	the	the	DET
ajbmeb-358	92	31	deposit	deposit	NOUN
ajbmeb-358	92	32	policy	policy	NOUN
ajbmeb-358	92	33	,	,	PUNCT
ajbmeb-358	92	34	and	and	CCONJ
ajbmeb-358	92	35	explaining	explain	VERB
ajbmeb-358	92	36	the	the	DET
ajbmeb-358	92	37	reasons	reason	NOUN
ajbmeb-358	92	38	for	for	ADP
ajbmeb-358	92	39	the	the	DET
ajbmeb-358	92	40	decisions	decision	NOUN
ajbmeb-358	92	41	made	make	VERB
ajbmeb-358	92	42	in	in	ADP
ajbmeb-358	92	43	this	this	DET
ajbmeb-358	92	44	area	area	NOUN
ajbmeb-358	92	45	.	.	PUNCT
ajbmeb-358	93	1	the	the	DET
ajbmeb-358	93	2	procedure	procedure	NOUN
ajbmeb-358	93	3	for	for	ADP
ajbmeb-358	93	4	development	development	NOUN
ajbmeb-358	93	5	and	and	CCONJ
ajbmeb-358	93	6	implementation	implementation	NOUN
ajbmeb-358	93	7	of	of	ADP
ajbmeb-358	93	8	the	the	DET
ajbmeb-358	93	9	deposit	deposit	NOUN
ajbmeb-358	93	10	policy	policy	NOUN
ajbmeb-358	93	11	by	by	ADP
ajbmeb-358	93	12	the	the	DET
ajbmeb-358	93	13	commercial	commercial	ADJ
ajbmeb-358	93	14	bank	bank	NOUN
ajbmeb-358	93	15	,	,	PUNCT
ajbmeb-358	93	16	as	as	ADV
ajbmeb-358	93	17	well	well	ADV
ajbmeb-358	93	18	as	as	ADP
ajbmeb-358	93	19	information	information	NOUN
ajbmeb-358	93	20	about	about	ADP
ajbmeb-358	93	21	its	its	PRON
ajbmeb-358	93	22	purpose	purpose	NOUN
ajbmeb-358	93	23	,	,	PUNCT
ajbmeb-358	93	24	means	mean	NOUN
ajbmeb-358	93	25	and	and	CCONJ
ajbmeb-358	93	26	instruments	instrument	NOUN
ajbmeb-358	93	27	,	,	PUNCT
ajbmeb-358	93	28	should	should	AUX
ajbmeb-358	93	29	be	be	AUX
ajbmeb-358	93	30	provided	provide	VERB
ajbmeb-358	93	31	in	in	ADP
ajbmeb-358	93	32	a	a	DET
ajbmeb-358	93	33	clear	clear	ADJ
ajbmeb-358	93	34	and	and	CCONJ
ajbmeb-358	93	35	easily	easily	ADV
ajbmeb-358	93	36	understandable	understandable	ADJ
ajbmeb-358	93	37	manner	manner	NOUN
ajbmeb-358	93	38	for	for	ADP
ajbmeb-358	93	39	the	the	DET
ajbmeb-358	93	40	participants	participant	NOUN
ajbmeb-358	93	41	of	of	ADP
ajbmeb-358	93	42	the	the	DET
ajbmeb-358	93	43	market	market	NOUN
ajbmeb-358	93	44	of	of	ADP
ajbmeb-358	93	45	deposit	deposit	NOUN
ajbmeb-358	93	46	operations	operation	NOUN
ajbmeb-358	93	47	.	.	PUNCT
ajbmeb-358	94	1	6	6	X
ajbmeb-358	94	2	.	.	X
ajbmeb-358	94	3	ensuring	ensure	VERB
ajbmeb-358	94	4	interrelationship	interrelationship	NOUN
ajbmeb-358	94	5	and	and	CCONJ
ajbmeb-358	94	6	consistency	consistency	NOUN
ajbmeb-358	94	7	between	between	ADP
ajbmeb-358	94	8	bank	bank	NOUN
ajbmeb-358	94	9	policies	policy	NOUN
ajbmeb-358	94	10	.	.	PUNCT
ajbmeb-358	95	1	another	another	DET
ajbmeb-358	95	2	important	important	ADJ
ajbmeb-358	95	3	factor	factor	NOUN
ajbmeb-358	95	4	in	in	ADP
ajbmeb-358	95	5	conducting	conduct	VERB
ajbmeb-358	95	6	an	an	DET
ajbmeb-358	95	7	effective	effective	ADJ
ajbmeb-358	95	8	deposit	deposit	NOUN
ajbmeb-358	95	9	policy	policy	NOUN
ajbmeb-358	95	10	is	be	AUX
ajbmeb-358	95	11	ensuring	ensure	VERB
ajbmeb-358	95	12	the	the	DET
ajbmeb-358	95	13	interrelationship	interrelationship	NOUN
ajbmeb-358	95	14	of	of	ADP
ajbmeb-358	95	15	all	all	DET
ajbmeb-358	95	16	policies	policy	NOUN
ajbmeb-358	95	17	developed	develop	VERB
ajbmeb-358	95	18	within	within	ADP
ajbmeb-358	95	19	the	the	DET
ajbmeb-358	95	20	framework	framework	NOUN
ajbmeb-358	95	21	of	of	ADP
ajbmeb-358	95	22	the	the	DET
ajbmeb-358	95	23	bank	bank	NOUN
ajbmeb-358	95	24	's	's	PART
ajbmeb-358	95	25	development	development	NOUN
ajbmeb-358	95	26	strategy	strategy	NOUN
ajbmeb-358	95	27	and	and	CCONJ
ajbmeb-358	95	28	their	their	PRON
ajbmeb-358	95	29	coordination	coordination	NOUN
ajbmeb-358	95	30	.	.	PUNCT
ajbmeb-358	96	1	as	as	ADP
ajbmeb-358	96	2	a	a	DET
ajbmeb-358	96	3	conclusion	conclusion	NOUN
ajbmeb-358	96	4	,	,	PUNCT
ajbmeb-358	96	5	it	it	PRON
ajbmeb-358	96	6	can	can	AUX
ajbmeb-358	96	7	be	be	AUX
ajbmeb-358	96	8	noted	note	VERB
ajbmeb-358	96	9	that	that	SCONJ
ajbmeb-358	96	10	despite	despite	SCONJ
ajbmeb-358	96	11	the	the	DET
ajbmeb-358	96	12	fact	fact	NOUN
ajbmeb-358	96	13	that	that	SCONJ
ajbmeb-358	96	14	the	the	DET
ajbmeb-358	96	15	theoretical	theoretical	ADJ
ajbmeb-358	96	16	and	and	CCONJ
ajbmeb-358	96	17	methodological	methodological	ADJ
ajbmeb-358	96	18	foundations	foundation	NOUN
ajbmeb-358	96	19	of	of	ADP
ajbmeb-358	96	20	the	the	DET
ajbmeb-358	96	21	development	development	NOUN
ajbmeb-358	96	22	and	and	CCONJ
ajbmeb-358	96	23	implementation	implementation	NOUN
ajbmeb-358	96	24	of	of	ADP
ajbmeb-358	96	25	the	the	DET
ajbmeb-358	96	26	deposit	deposit	NOUN
ajbmeb-358	96	27	policy	policy	NOUN
ajbmeb-358	96	28	of	of	ADP
ajbmeb-358	96	29	commercial	commercial	ADJ
ajbmeb-358	96	30	banks	bank	NOUN
ajbmeb-358	96	31	have	have	AUX
ajbmeb-358	96	32	been	be	AUX
ajbmeb-358	96	33	researched	research	VERB
ajbmeb-358	96	34	by	by	ADP
ajbmeb-358	96	35	many	many	ADJ
ajbmeb-358	96	36	scientists	scientist	NOUN
ajbmeb-358	96	37	,	,	PUNCT
ajbmeb-358	96	38	this	this	DET
ajbmeb-358	96	39	issue	issue	NOUN
ajbmeb-358	96	40	has	have	AUX
ajbmeb-358	96	41	not	not	PART
ajbmeb-358	96	42	been	be	AUX
ajbmeb-358	96	43	considered	consider	VERB
ajbmeb-358	96	44	in	in	ADP
ajbmeb-358	96	45	detail	detail	NOUN
ajbmeb-358	96	46	from	from	ADP
ajbmeb-358	96	47	the	the	DET
ajbmeb-358	96	48	perspective	perspective	NOUN
ajbmeb-358	96	49	of	of	ADP
ajbmeb-358	96	50	the	the	DET
ajbmeb-358	96	51	activity	activity	NOUN
ajbmeb-358	96	52	development	development	NOUN
ajbmeb-358	96	53	strategy	strategy	NOUN
ajbmeb-358	96	54	.	.	PUNCT
ajbmeb-358	97	1	approaching	approach	VERB
ajbmeb-358	97	2	the	the	DET
ajbmeb-358	97	3	deposit	deposit	NOUN
ajbmeb-358	97	4	policy	policy	NOUN
ajbmeb-358	97	5	as	as	ADP
ajbmeb-358	97	6	a	a	DET
ajbmeb-358	97	7	tactical	tactical	ADJ
ajbmeb-358	97	8	tool	tool	NOUN
ajbmeb-358	97	9	for	for	ADP
ajbmeb-358	97	10	implementing	implement	VERB
ajbmeb-358	97	11	the	the	DET
ajbmeb-358	97	12	strategy	strategy	NOUN
ajbmeb-358	97	13	requires	require	VERB
ajbmeb-358	97	14	reviewing	review	VERB
ajbmeb-358	97	15	and	and	CCONJ
ajbmeb-358	97	16	improving	improve	VERB
ajbmeb-358	97	17	the	the	DET
ajbmeb-358	97	18	structural	structural	ADJ
ajbmeb-358	97	19	elements	element	NOUN
ajbmeb-358	97	20	of	of	ADP
ajbmeb-358	97	21	this	this	DET
ajbmeb-358	97	22	policy	policy	NOUN
ajbmeb-358	97	23	,	,	PUNCT
ajbmeb-358	97	24	the	the	DET
ajbmeb-358	97	25	principles	principle	NOUN
ajbmeb-358	97	26	of	of	ADP
ajbmeb-358	97	27	its	its	PRON
ajbmeb-358	97	28	development	development	NOUN
ajbmeb-358	97	29	and	and	CCONJ
ajbmeb-358	97	30	implementation	implementation	NOUN
ajbmeb-358	97	31	.	.	PUNCT
ajbmeb-358	98	1	revision	revision	NOUN
ajbmeb-358	98	2	and	and	CCONJ
ajbmeb-358	98	3	improvement	improvement	NOUN
ajbmeb-358	98	4	of	of	ADP
ajbmeb-358	98	5	structural	structural	ADJ
ajbmeb-358	98	6	elements	element	NOUN
ajbmeb-358	98	7	and	and	CCONJ
ajbmeb-358	98	8	principles	principle	NOUN
ajbmeb-358	98	9	of	of	ADP
ajbmeb-358	98	10	the	the	DET
ajbmeb-358	98	11	deposit	deposit	NOUN
ajbmeb-358	98	12	policy	policy	NOUN
ajbmeb-358	98	13	will	will	AUX
ajbmeb-358	98	14	lead	lead	VERB
ajbmeb-358	98	15	to	to	ADP
ajbmeb-358	98	16	transformation	transformation	NOUN
ajbmeb-358	98	17	into	into	ADP
ajbmeb-358	98	18	an	an	DET
ajbmeb-358	98	19	important	important	ADJ
ajbmeb-358	98	20	factor	factor	NOUN
ajbmeb-358	98	21	ensuring	ensure	VERB
ajbmeb-358	98	22	the	the	DET
ajbmeb-358	98	23	successful	successful	ADJ
ajbmeb-358	98	24	implementation	implementation	NOUN
ajbmeb-358	98	25	of	of	ADP
ajbmeb-358	98	26	the	the	DET
ajbmeb-358	98	27	banking	banking	NOUN
ajbmeb-358	98	28	activity	activity	NOUN
ajbmeb-358	98	29	development	development	NOUN
ajbmeb-358	98	30	strategy	strategy	NOUN
ajbmeb-358	98	31	.	.	PUNCT
ajbmeb-358	99	1	in	in	ADP
ajbmeb-358	99	2	turn	turn	NOUN
ajbmeb-358	99	3	,	,	PUNCT
ajbmeb-358	99	4	the	the	DET
ajbmeb-358	99	5	achievement	achievement	NOUN
ajbmeb-358	99	6	of	of	ADP
ajbmeb-358	99	7	the	the	DET
ajbmeb-358	99	8	strategic	strategic	ADJ
ajbmeb-358	99	9	goals	goal	NOUN
ajbmeb-358	99	10	set	set	VERB
ajbmeb-358	99	11	by	by	ADP
ajbmeb-358	99	12	each	each	DET
ajbmeb-358	99	13	bank	bank	NOUN
ajbmeb-358	99	14	allows	allow	VERB
ajbmeb-358	99	15	strengthening	strengthen	VERB
ajbmeb-358	99	16	the	the	DET
ajbmeb-358	99	17	banking	banking	NOUN
ajbmeb-358	99	18	and	and	CCONJ
ajbmeb-358	99	19	financial	financial	ADJ
ajbmeb-358	99	20	system	system	NOUN
ajbmeb-358	99	21	of	of	ADP
ajbmeb-358	99	22	our	our	PRON
ajbmeb-358	99	23	country	country	NOUN
ajbmeb-358	99	24	,	,	PUNCT
ajbmeb-358	99	25	expanding	expand	VERB
ajbmeb-358	99	26	the	the	DET
ajbmeb-358	99	27	scope	scope	NOUN
ajbmeb-358	99	28	of	of	ADP
ajbmeb-358	99	29	lending	lending	NOUN
ajbmeb-358	99	30	to	to	ADP
ajbmeb-358	99	31	the	the	DET
ajbmeb-358	99	32	economy	economy	NOUN
ajbmeb-358	99	33	,	,	PUNCT
ajbmeb-358	99	34	increasing	increase	VERB
ajbmeb-358	99	35	the	the	DET
ajbmeb-358	99	36	spectrum	spectrum	NOUN
ajbmeb-358	99	37	of	of	ADP
ajbmeb-358	99	38	banking	banking	NOUN
ajbmeb-358	99	39	services	service	NOUN
ajbmeb-358	99	40	provided	provide	VERB
ajbmeb-358	99	41	,	,	PUNCT
ajbmeb-358	99	42	as	as	ADV
ajbmeb-358	99	43	well	well	ADV
ajbmeb-358	99	44	as	as	ADP
ajbmeb-358	99	45	increasing	increase	VERB
ajbmeb-358	99	46	the	the	DET
ajbmeb-358	99	47	role	role	NOUN
ajbmeb-358	99	48	of	of	ADP
ajbmeb-358	99	49	the	the	DET
ajbmeb-358	99	50	banking	banking	NOUN
ajbmeb-358	99	51	system	system	NOUN
ajbmeb-358	99	52	in	in	ADP
ajbmeb-358	99	53	the	the	DET
ajbmeb-358	99	54	development	development	NOUN
ajbmeb-358	99	55	of	of	ADP
ajbmeb-358	99	56	the	the	DET
ajbmeb-358	99	57	country	country	NOUN
ajbmeb-358	99	58	's	's	PART
ajbmeb-358	99	59	economy	economy	NOUN
ajbmeb-358	99	60	.	.	PUNCT
ajbmeb-358	100	1	list	list	NOUN
ajbmeb-358	100	2	of	of	ADP
ajbmeb-358	100	3	used	use	VERB
ajbmeb-358	100	4	literature	literature	NOUN
ajbmeb-358	100	5	1	1	NUM
ajbmeb-358	100	6	.	.	PUNCT
ajbmeb-358	101	1	https://www.ey.com/bankinginnovation	https://www.ey.com/bankinginnovation	NOUN
ajbmeb-358	101	2	details	detail	NOUN
ajbmeb-358	101	3	.	.	PUNCT
ajbmeb-358	102	1	2	2	X
ajbmeb-358	102	2	.	.	X
ajbmeb-358	102	3	www.deloitte.com/about	www.deloitte.com/about	NOUN
ajbmeb-358	102	4	information	information	NOUN
ajbmeb-358	102	5	.	.	PUNCT
ajbmeb-358	103	1	3	3	X
ajbmeb-358	103	2	.	.	X
ajbmeb-358	103	3	decree	decree	NOUN
ajbmeb-358	103	4	of	of	ADP
ajbmeb-358	103	5	the	the	DET
ajbmeb-358	103	6	president	president	NOUN
ajbmeb-358	103	7	of	of	ADP
ajbmeb-358	103	8	the	the	DET
ajbmeb-358	103	9	republic	republic	NOUN
ajbmeb-358	103	10	of	of	ADP
ajbmeb-358	103	11	uzbekistan	uzbekistan	PROPN
ajbmeb-358	103	12	dated	date	VERB
ajbmeb-358	103	13	february	february	PROPN
ajbmeb-358	103	14	7	7	NUM
ajbmeb-358	103	15	,	,	PUNCT
ajbmeb-358	104	1	2017	2017	NUM
ajbmeb-358	104	2	no	no	NOUN
ajbmeb-358	104	3	.	.	PUNCT
ajbmeb-358	104	4	pf-4947	pf-4947	PROPN
ajbmeb-358	104	5	on	on	ADP
ajbmeb-358	104	6	the	the	DET
ajbmeb-358	104	7	strategy	strategy	NOUN
ajbmeb-358	104	8	of	of	ADP
ajbmeb-358	104	9	actions	action	NOUN
ajbmeb-358	104	10	for	for	ADP
ajbmeb-358	104	11	the	the	DET
ajbmeb-358	104	12	further	further	ADJ
ajbmeb-358	104	13	development	development	NOUN
ajbmeb-358	104	14	of	of	ADP
ajbmeb-358	104	15	the	the	DET
ajbmeb-358	104	16	republic	republic	NOUN
ajbmeb-358	104	17	of	of	ADP
ajbmeb-358	104	18	uzbekistan//lex.uz	uzbekistan//lex.uz	PROPN
ajbmeb-358	104	19	.	.	PUNCT
ajbmeb-358	105	1	https://www.ey.com/bankinginnovation	https://www.ey.com/bankinginnovation	NOUN
ajbmeb-358	105	2	http://www.deloitte.com/about	http://www.deloitte.com/about	NUM
ajbmeb-358	105	3	american	american	ADJ
ajbmeb-358	105	4	journal	journal	PROPN
ajbmeb-358	105	5	of	of	ADP
ajbmeb-358	105	6	business	business	NOUN
ajbmeb-358	105	7	management	management	NOUN
ajbmeb-358	105	8	,	,	PUNCT
ajbmeb-358	105	9	economics	economic	NOUN
ajbmeb-358	105	10	and	and	CCONJ
ajbmeb-358	105	11	banking	banking	NOUN
ajbmeb-358	105	12	volume	volume	NOUN
ajbmeb-358	105	13	8	8	NUM
ajbmeb-358	105	14	,	,	PUNCT
ajbmeb-358	105	15	jan	jan	PROPN
ajbmeb-358	105	16	.	.	PROPN
ajbmeb-358	105	17	,	,	PUNCT
ajbmeb-358	105	18	2023	2023	NUM
ajbmeb-358	105	19	p	p	NOUN
ajbmeb-358	105	20	a	a	PRON
ajbmeb-358	105	21	g	g	NOUN
ajbmeb-358	105	22	e	e	NOUN
ajbmeb-358	105	23	|	|	ADV
ajbmeb-358	105	24	92	92	NUM
ajbmeb-358	105	25	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-358	105	26	4	4	NUM
ajbmeb-358	105	27	.	.	PUNCT
ajbmeb-358	105	28	f.	f.	PROPN
ajbmeb-358	105	29	kotler	kotler	PROPN
ajbmeb-358	105	30	,	,	PUNCT
ajbmeb-358	105	31	g.	g.	PROPN
ajbmeb-358	105	32	armstrong	armstrong	PROPN
ajbmeb-358	105	33	,	,	PUNCT
ajbmeb-358	105	34	w.	w.	PROPN
ajbmeb-358	105	35	wong	wong	PROPN
ajbmeb-358	105	36	,	,	PUNCT
ajbmeb-358	105	37	d.	d.	PROPN
ajbmeb-358	105	38	saunders	saunders	PROPN
ajbmeb-358	105	39	.	.	PUNCT
ajbmeb-358	106	1	basic	basic	ADJ
ajbmeb-358	106	2	marketing	marketing	NOUN
ajbmeb-358	106	3	.	.	PUNCT
ajbmeb-358	107	1	–	–	PUNCT
ajbmeb-358	107	2	5th	5th	ADJ
ajbmeb-358	107	3	european	european	PROPN
ajbmeb-358	107	4	izd	izd	PROPN
ajbmeb-358	107	5	.	.	PUNCT
ajbmeb-358	107	6	m.	m.	NOUN
ajbmeb-358	107	7	:	:	PUNCT
ajbmeb-358	108	1	ooo	ooo	INTJ
ajbmeb-358	108	2	"	"	PUNCT
ajbmeb-358	108	3	i.d	i.d	PROPN
ajbmeb-358	108	4	.	.	PROPN
ajbmeb-358	108	5	williams	williams	PROPN
ajbmeb-358	108	6	"	"	PUNCT
ajbmeb-358	108	7	,	,	PUNCT
ajbmeb-358	108	8	2013	2013	NUM
ajbmeb-358	108	9	.	.	PUNCT
ajbmeb-358	109	1	752	752	NUM
ajbmeb-358	109	2	p.	p.	NOUN
ajbmeb-358	109	3	5	5	NUM
ajbmeb-358	109	4	.	.	PUNCT
ajbmeb-358	110	1	darrell	darrell	PROPN
ajbmeb-358	110	2	,	,	PUNCT
ajbmeb-358	110	3	krmanagement	krmanagement	NOUN
ajbmeb-358	110	4	tools	tool	NOUN
ajbmeb-358	110	5	2015	2015	NUM
ajbmeb-358	110	6	:	:	PUNCT
ajbmeb-358	110	7	an	an	DET
ajbmeb-358	110	8	executive	executive	NOUN
ajbmeb-358	110	9	's	's	PART
ajbmeb-358	110	10	guide	guide	NOUN
ajbmeb-358	110	11	http://www.bain.com/images/bain_guide_management_tools_2015_executives_guide.pdf	http://www.bain.com/images/bain_guide_management_tools_2015_executives_guide.pdf	NOUN
ajbmeb-358	110	12	6	6	NUM
ajbmeb-358	110	13	.	.	PUNCT
ajbmeb-358	111	1	allard	allard	PROPN
ajbmeb-358	111	2	,	,	PUNCT
ajbmeb-358	111	3	s.	s.	PROPN
ajbmeb-358	111	4	client	client	PROPN
ajbmeb-358	111	5	segmentation	segmentation	PROPN
ajbmeb-358	111	6	:	:	PUNCT
ajbmeb-358	111	7	new	new	ADJ
ajbmeb-358	111	8	approaches	approach	NOUN
ajbmeb-358	111	9	for	for	ADP
ajbmeb-358	111	10	private	private	ADJ
ajbmeb-358	111	11	bankers	banker	NOUN
ajbmeb-358	111	12	http://www.privatebanker.lu/wpcontent/uploads/2012/07/sebastien-allard-ibm.pdf	http://www.privatebanker.lu/wpcontent/uploads/2012/07/sebastien-allard-ibm.pdf	NOUN
ajbmeb-358	111	13	.	.	PUNCT
ajbmeb-358	112	1	7.a	7.a	X
ajbmeb-358	112	2	.	.	PUNCT
ajbmeb-358	113	1	ries	rie	NOUN
ajbmeb-358	113	2	,	,	PUNCT
ajbmeb-358	113	3	j.	j.	PROPN
ajbmeb-358	113	4	trout	trout	PROPN
ajbmeb-358	113	5	.	.	PUNCT
ajbmeb-358	114	1	positioning	positioning	NOUN
ajbmeb-358	114	2	:	:	PUNCT
ajbmeb-358	114	3	the	the	DET
ajbmeb-358	114	4	battle	battle	NOUN
ajbmeb-358	114	5	for	for	ADP
ajbmeb-358	114	6	your	your	PRON
ajbmeb-358	114	7	mind	mind	NOUN
ajbmeb-358	114	8	new	new	PROPN
ajbmeb-358	114	9	york	york	PROPN
ajbmeb-358	114	10	:	:	PUNCT
ajbmeb-358	114	11	warner	warner	PROPN
ajbmeb-358	114	12	books	book	NOUN
ajbmeb-358	114	13	,	,	PUNCT
ajbmeb-358	114	14	1982	1982	NUM
ajbmeb-358	114	15	.	.	PUNCT
ajbmeb-358	115	1	213	213	NUM
ajbmeb-358	115	2	p.	p.	NOUN
ajbmeb-358	115	3	8	8	NUM
ajbmeb-358	115	4	.	.	PUNCT
ajbmeb-358	116	1	pe	pe	PROPN
ajbmeb-358	116	2	pfeifer	pfeifer	PROPN
ajbmeb-358	116	3	,	,	PUNCT
ajbmeb-358	116	4	me	i	PRON
ajbmeb-358	116	5	haskins	haskins	PROPN
ajbmeb-358	116	6	,	,	PUNCT
ajbmeb-358	116	7	rm	rm	PROPN
ajbmeb-358	116	8	conroy	conroy	PROPN
ajbmeb-358	116	9	.	.	PUNCT
ajbmeb-358	117	1	customer	customer	NOUN
ajbmeb-358	117	2	lifetime	lifetime	NOUN
ajbmeb-358	117	3	value	value	NOUN
ajbmeb-358	117	4	,	,	PUNCT
ajbmeb-358	117	5	customer	customer	NOUN
ajbmeb-358	117	6	profitability	profitability	NOUN
ajbmeb-358	117	7	,	,	PUNCT
ajbmeb-358	117	8	and	and	CCONJ
ajbmeb-358	117	9	the	the	DET
ajbmeb-358	117	10	treatment	treatment	NOUN
ajbmeb-358	117	11	of	of	ADP
ajbmeb-358	117	12	acquisition	acquisition	NOUN
ajbmeb-358	117	13	spending	spending	NOUN
ajbmeb-358	117	14	.	.	PUNCT
ajbmeb-358	118	1	journal	journal	NOUN
ajbmeb-358	118	2	of	of	ADP
ajbmeb-358	118	3	managerial	managerial	ADJ
ajbmeb-358	118	4	issues	issue	NOUN
ajbmeb-358	118	5	.	.	PUNCT
ajbmeb-358	119	1	2004	2004	NUM
ajbmeb-358	119	2	.	.	PUNCT
ajbmeb-358	120	1	p.	p.	NOUN
ajbmeb-358	120	2	1	1	NUM
ajbmeb-358	120	3	-	-	SYM
ajbmeb-358	120	4	25	25	NUM
ajbmeb-358	120	5	.	.	PUNCT
ajbmeb-358	121	1	http://citeseerx.ist.psu.edu/viewdoc/	http://citeseerx.ist.psu.edu/viewdoc/	NUM
ajbmeb-358	121	2	9	9	NUM
ajbmeb-358	121	3	.	.	PUNCT
ajbmeb-358	121	4	prepared	prepare	VERB
ajbmeb-358	121	5	by	by	ADP
ajbmeb-358	121	6	the	the	DET
ajbmeb-358	121	7	author	author	NOUN
ajbmeb-358	121	8	based	base	VERB
ajbmeb-358	121	9	on	on	ADP
ajbmeb-358	121	10	information	information	NOUN
ajbmeb-358	121	11	from	from	ADP
ajbmeb-358	121	12	http://www.sberbank.com	http://www.sberbank.com	X
ajbmeb-358	121	13	10	10	NUM
ajbmeb-358	121	14	.	.	PUNCT
ajbmeb-358	122	1	gerpott	gerpott	PROPN
ajbmeb-358	122	2	t.j	t.j	PROPN
ajbmeb-358	122	3	.	.	PROPN
ajbmeb-358	122	4	empirical	empirical	ADJ
ajbmeb-358	122	5	research	research	NOUN
ajbmeb-358	122	6	on	on	ADP
ajbmeb-358	122	7	customer	customer	NOUN
ajbmeb-358	122	8	loyalty	loyalty	NOUN
ajbmeb-358	122	9	.	.	PUNCT
ajbmeb-358	123	1	problems	problem	NOUN
ajbmeb-358	123	2	of	of	ADP
ajbmeb-358	123	3	theory	theory	NOUN
ajbmeb-358	123	4	and	and	CCONJ
ajbmeb-358	123	5	practice	practice	NOUN
ajbmeb-358	123	6	of	of	ADP
ajbmeb-358	123	7	management	management	NOUN
ajbmeb-358	123	8	.	.	PUNCT
ajbmeb-358	124	1	2000	2000	NUM
ajbmeb-358	124	2	.	.	PUNCT
ajbmeb-358	125	1	no	no	INTJ
ajbmeb-358	125	2	.	.	NOUN
ajbmeb-358	126	1	6	6	NUM
ajbmeb-358	126	2	.	.	PUNCT
ajbmeb-358	127	1	s.	s.	PROPN
ajbmeb-358	127	2	73	73	NUM
ajbmeb-358	127	3	-	-	SYM
ajbmeb-358	127	4	77	77	NUM
ajbmeb-358	127	5	.	.	PUNCT
ajbmeb-358	127	6	11	11	NUM
ajbmeb-358	127	7	.	.	PUNCT
ajbmeb-358	127	8	sinky	sinky	ADJ
ajbmeb-358	127	9	.	.	PUNCT
ajbmeb-358	128	1	dj	dj	X
ajbmeb-358	128	2	.	.	PUNCT
ajbmeb-358	128	3	financial	financial	ADJ
ajbmeb-358	128	4	management	management	NOUN
ajbmeb-358	128	5	in	in	ADP
ajbmeb-358	128	6	commercial	commercial	ADJ
ajbmeb-358	128	7	banking	banking	NOUN
ajbmeb-358	128	8	and	and	CCONJ
ajbmeb-358	128	9	industrial	industrial	ADJ
ajbmeb-358	128	10	financial	financial	ADJ
ajbmeb-358	128	11	management	management	NOUN
ajbmeb-358	128	12	.	.	PUNCT
ajbmeb-358	129	1	per	per	ADP
ajbmeb-358	129	2	.	.	PUNCT
ajbmeb-358	130	1	english	english	PROPN
ajbmeb-358	130	2	moscow	moscow	PROPN
ajbmeb-358	130	3	:	:	PUNCT
ajbmeb-358	130	4	alpina	alpina	ADP
ajbmeb-358	130	5	business	business	NOUN
ajbmeb-358	130	6	books	book	NOUN
ajbmeb-358	130	7	,	,	PUNCT
ajbmeb-358	130	8	2007	2007	NUM
ajbmeb-358	130	9	.	.	PUNCT
ajbmeb-358	131	1	1018	1018	NUM
ajbmeb-358	131	2	pages	page	NOUN
ajbmeb-358	131	3	;	;	PUNCT
ajbmeb-358	131	4	porter	porter	NOUN
ajbmeb-358	131	5	,	,	PUNCT
ajbmeb-358	131	6	m.	m.	NOUN
ajbmeb-358	131	7	the	the	DET
ajbmeb-358	131	8	five	five	NUM
ajbmeb-358	131	9	competitive	competitive	ADJ
ajbmeb-358	131	10	forces	force	NOUN
ajbmeb-358	131	11	that	that	PRON
ajbmeb-358	131	12	shape	shape	VERB
ajbmeb-358	131	13	strategy	strategy	NOUN
ajbmeb-358	131	14	.	.	PUNCT
ajbmeb-358	132	1	harvard	harvard	PROPN
ajbmeb-358	132	2	business	business	PROPN
ajbmeb-358	132	3	review	review	PROPN
ajbmeb-358	132	4	,	,	PUNCT
ajbmeb-358	132	5	2008	2008	NUM
ajbmeb-358	132	6	.	.	PUNCT
ajbmeb-358	133	1	p.	p.	NOUN
ajbmeb-358	133	2	86	86	NUM
ajbmeb-358	133	3	12	12	NUM
ajbmeb-358	133	4	.	.	PUNCT
ajbmeb-358	134	1	borodin	borodin	PROPN
ajbmeb-358	134	2	a.i	a.i	PROPN
ajbmeb-358	134	3	.	.	PROPN
ajbmeb-358	134	4	,	,	PUNCT
ajbmeb-358	134	5	poletaeva	poletaeva	PROPN
ajbmeb-358	134	6	v.m	v.m	PROPN
ajbmeb-358	134	7	.	.	PUNCT
ajbmeb-358	135	1	the	the	DET
ajbmeb-358	135	2	method	method	NOUN
ajbmeb-358	135	3	of	of	ADP
ajbmeb-358	135	4	determining	determine	VERB
ajbmeb-358	135	5	the	the	DET
ajbmeb-358	135	6	optimal	optimal	ADJ
ajbmeb-358	135	7	percentage	percentage	NOUN
ajbmeb-358	135	8	rate	rate	NOUN
ajbmeb-358	135	9	for	for	ADP
ajbmeb-358	135	10	different	different	ADJ
ajbmeb-358	135	11	deposits	deposit	NOUN
ajbmeb-358	135	12	.	.	PUNCT
ajbmeb-358	136	1	dengue	dengue	NOUN
ajbmeb-358	136	2	i	i	PRON
ajbmeb-358	136	3	credit	credit	NOUN
ajbmeb-358	136	4	.	.	PUNCT
ajbmeb-358	137	1	2016	2016	NUM
ajbmeb-358	137	2	.	.	PUNCT
ajbmeb-358	138	1	no	no	INTJ
ajbmeb-358	138	2	.	.	NOUN
ajbmeb-358	139	1	9	9	NUM
ajbmeb-358	139	2	.	.	PUNCT
ajbmeb-358	140	1	s.	s.	PROPN
ajbmeb-358	140	2	41	41	NUM
ajbmeb-358	140	3	-	-	SYM
ajbmeb-358	140	4	46	46	NUM
ajbmeb-358	140	5	.	.	NOUN
ajbmeb-358	140	6	13	13	NUM
ajbmeb-358	140	7	.	.	NUM
ajbmeb-358	140	8	developed	develop	VERB
ajbmeb-358	140	9	by	by	ADP
ajbmeb-358	140	10	the	the	DET
ajbmeb-358	140	11	author	author	NOUN
ajbmeb-358	140	12	based	base	VERB
ajbmeb-358	140	13	on	on	ADP
ajbmeb-358	140	14	research	research	NOUN
ajbmeb-358	140	15	results	result	NOUN
ajbmeb-358	140	16	.	.	PUNCT
ajbmeb-358	141	1	14	14	NUM
ajbmeb-358	141	2	.	.	X
ajbmeb-358	142	1	schumpeter	schumpeter	NOUN
ajbmeb-358	142	2	i.	i.	PROPN
ajbmeb-358	142	3	ten	ten	NUM
ajbmeb-358	142	4	great	great	ADJ
ajbmeb-358	142	5	economists	economist	NOUN
ajbmeb-358	142	6	from	from	ADP
ajbmeb-358	142	7	marx	marx	PROPN
ajbmeb-358	142	8	to	to	ADP
ajbmeb-358	142	9	keynes	keynes	PROPN
ajbmeb-358	142	10	/	/	SYM
ajbmeb-358	142	11	per	per	ADP
ajbmeb-358	142	12	.	.	PUNCT
ajbmeb-358	142	13	from	from	ADP
ajbmeb-358	142	14	english	english	PROPN
ajbmeb-358	142	15	.	.	PUNCT
ajbmeb-358	143	1	n.v	n.v	PROPN
ajbmeb-358	143	2	.	.	PROPN
ajbmeb-358	143	3	avtonomova	avtonomova	PROPN
ajbmeb-358	143	4	,	,	PUNCT
ajbmeb-358	143	5	i.	i.	PROPN
ajbmeb-358	143	6	m.	m.	PROPN
ajbmeb-358	143	7	osadchey	osadchey	PROPN
ajbmeb-358	143	8	,	,	PUNCT
ajbmeb-358	143	9	n.a	n.a	PROPN
ajbmeb-358	143	10	.	.	PROPN
ajbmeb-358	143	11	rozinskaya	rozinskaya	PROPN
ajbmeb-358	143	12	;	;	PUNCT
ajbmeb-358	143	13	under	under	ADP
ajbmeb-358	143	14	scientific	scientific	ADJ
ajbmeb-358	143	15	ed	ed	NOUN
ajbmeb-358	143	16	.	.	PUNCT
ajbmeb-358	144	1	v.s.	v.s.	ADJ
ajbmeb-358	144	2	avtonomov	avtonomov	NOUN
ajbmeb-358	144	3	.	.	PUNCT
ajbmeb-358	145	1	m.	m.	NOUN
ajbmeb-358	145	2	:	:	PUNCT
ajbmeb-358	146	1	ed	ed	NOUN
ajbmeb-358	146	2	.	.	PUNCT
ajbmeb-358	146	3	gaidar	gaidar	PROPN
ajbmeb-358	146	4	institute	institute	PROPN
ajbmeb-358	146	5	,	,	PUNCT
ajbmeb-358	146	6	2011	2011	NUM
ajbmeb-358	146	7	.	.	PUNCT
ajbmeb-358	147	1	pp	pp	ADJ
ajbmeb-358	147	2	.	.	PUNCT
ajbmeb-358	148	1	195	195	NUM
ajbmeb-358	148	2	-	-	SYM
ajbmeb-358	148	3	196	196	NUM
ajbmeb-358	148	4	.	.	PUNCT
ajbmeb-358	149	1	http://www.bain.com/images/bain_guide_management_tools_2015_executives_guide.pdf	http://www.bain.com/images/bain_guide_management_tools_2015_executives_guide.pdf	NOUN
ajbmeb-358	149	2	http://www.privatebanker.lu/wpcontent/uploads/2012/07/sebastien-allard-ibm.pdf	http://www.privatebanker.lu/wpcontent/uploads/2012/07/sebastien-allard-ibm.pdf	PROPN
ajbmeb-358	149	3	http://citeseerx.ist.psu.edu/viewdoc/	http://citeseerx.ist.psu.edu/viewdoc/	PROPN