id	sid	tid	token	lemma	pos
ajbmeb-462	1	1	american	american	PROPN
ajbmeb-462	1	2	journal	journal	PROPN
ajbmeb-462	1	3	of	of	ADP
ajbmeb-462	1	4	business	business	NOUN
ajbmeb-462	1	5	management	management	NOUN
ajbmeb-462	1	6	,	,	PUNCT
ajbmeb-462	1	7	economics	economic	NOUN
ajbmeb-462	1	8	and	and	CCONJ
ajbmeb-462	1	9	banking	banking	NOUN
ajbmeb-462	1	10	issn	issn	PROPN
ajbmeb-462	1	11	(	(	PUNCT
ajbmeb-462	1	12	e	e	NOUN
ajbmeb-462	1	13	):	):	PUNCT
ajbmeb-462	1	14	2832	2832	NUM
ajbmeb-462	1	15	-	-	SYM
ajbmeb-462	1	16	8078	8078	NUM
ajbmeb-462	1	17	volume	volume	NOUN
ajbmeb-462	1	18	9	9	NUM
ajbmeb-462	1	19	,	,	PUNCT
ajbmeb-462	1	20	|	|	ADV
ajbmeb-462	1	21	feb	feb	PROPN
ajbmeb-462	1	22	.	.	PROPN
ajbmeb-462	1	23	,	,	PUNCT
ajbmeb-462	1	24	2023	2023	NUM
ajbmeb-462	1	25	p	p	NOUN
ajbmeb-462	1	26	a	a	DET
ajbmeb-462	1	27	g	g	NOUN
ajbmeb-462	1	28	e	e	NOUN
ajbmeb-462	1	29	|	|	NOUN
ajbmeb-462	1	30	134	134	NUM
ajbmeb-462	1	31	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-462	1	32	improvement	improvement	NOUN
ajbmeb-462	1	33	of	of	ADP
ajbmeb-462	1	34	methods	method	NOUN
ajbmeb-462	1	35	of	of	ADP
ajbmeb-462	1	36	managing	manage	VERB
ajbmeb-462	1	37	assets	asset	NOUN
ajbmeb-462	1	38	and	and	CCONJ
ajbmeb-462	1	39	liabilities	liability	NOUN
ajbmeb-462	1	40	of	of	ADP
ajbmeb-462	1	41	commercial	commercial	ADJ
ajbmeb-462	1	42	banks	bank	NOUN
ajbmeb-462	1	43	ismatov	ismatov	NOUN
ajbmeb-462	1	44	bakhriddin	bakhriddin	VERB
ajbmeb-462	1	45	kutbidinovich	kutbidinovich	PROPN
ajbmeb-462	1	46	bank	bank	NOUN
ajbmeb-462	1	47	-	-	PUNCT
ajbmeb-462	1	48	finance	finance	NOUN
ajbmeb-462	1	49	academy	academy	NOUN
ajbmeb-462	1	50	70411302	70411302	NUM
ajbmeb-462	1	51	-	-	PUNCT
ajbmeb-462	1	52	business	business	NOUN
ajbmeb-462	1	53	administration	administration	NOUN
ajbmeb-462	1	54	(	(	PUNCT
ajbmeb-462	1	55	master	master	NOUN
ajbmeb-462	1	56	of	of	ADP
ajbmeb-462	1	57	business	business	PROPN
ajbmeb-462	1	58	administrationmba	administrationmba	PROPN
ajbmeb-462	1	59	)	)	PUNCT
ajbmeb-462	1	60	2nd	2nd	ADJ
ajbmeb-462	1	61	year	year	NOUN
ajbmeb-462	1	62	correspondence	correspondence	NOUN
ajbmeb-462	1	63	student	student	NOUN
ajbmeb-462	1	64	a	a	DET
ajbmeb-462	1	65	b	b	PROPN
ajbmeb-462	1	66	s	s	ADP
ajbmeb-462	1	67	t	t	PROPN
ajbmeb-462	1	68	r	r	NOUN
ajbmeb-462	1	69	a	a	DET
ajbmeb-462	1	70	c	c	NOUN
ajbmeb-462	1	71	t	t	NOUN
ajbmeb-462	1	72	k	k	X
ajbmeb-462	1	73	e	e	PROPN
ajbmeb-462	1	74	y	y	PROPN
ajbmeb-462	1	75	w	w	NOUN
ajbmeb-462	2	1	o	o	NOUN
ajbmeb-462	2	2	r	r	NOUN
ajbmeb-462	2	3	d	d	X
ajbmeb-462	2	4	s	s	VERB
ajbmeb-462	2	5	this	this	DET
ajbmeb-462	2	6	article	article	NOUN
ajbmeb-462	2	7	talks	talk	VERB
ajbmeb-462	2	8	about	about	ADP
ajbmeb-462	2	9	commercial	commercial	ADJ
ajbmeb-462	2	10	banks	bank	NOUN
ajbmeb-462	2	11	,	,	PUNCT
ajbmeb-462	2	12	methods	method	NOUN
ajbmeb-462	2	13	of	of	ADP
ajbmeb-462	2	14	managing	manage	VERB
ajbmeb-462	2	15	their	their	PRON
ajbmeb-462	2	16	assets	asset	NOUN
ajbmeb-462	2	17	and	and	CCONJ
ajbmeb-462	2	18	liabilities	liability	NOUN
ajbmeb-462	2	19	,	,	PUNCT
ajbmeb-462	2	20	and	and	CCONJ
ajbmeb-462	2	21	ways	way	NOUN
ajbmeb-462	2	22	to	to	PART
ajbmeb-462	2	23	improve	improve	VERB
ajbmeb-462	2	24	them	they	PRON
ajbmeb-462	2	25	.	.	PUNCT
ajbmeb-462	3	1	assets	asset	NOUN
ajbmeb-462	3	2	and	and	CCONJ
ajbmeb-462	3	3	liabilities	liability	NOUN
ajbmeb-462	3	4	,	,	PUNCT
ajbmeb-462	3	5	profitability	profitability	NOUN
ajbmeb-462	3	6	,	,	PUNCT
ajbmeb-462	3	7	commercial	commercial	ADJ
ajbmeb-462	3	8	banks	bank	NOUN
ajbmeb-462	3	9	,	,	PUNCT
ajbmeb-462	3	10	resource	resource	NOUN
ajbmeb-462	3	11	base	base	NOUN
ajbmeb-462	3	12	,	,	PUNCT
ajbmeb-462	3	13	economy	economy	NOUN
ajbmeb-462	3	14	,	,	PUNCT
ajbmeb-462	3	15	eminent	eminent	ADJ
ajbmeb-462	3	16	the	the	DET
ajbmeb-462	3	17	further	further	ADJ
ajbmeb-462	3	18	fate	fate	NOUN
ajbmeb-462	3	19	of	of	ADP
ajbmeb-462	3	20	any	any	DET
ajbmeb-462	3	21	process	process	NOUN
ajbmeb-462	3	22	is	be	AUX
ajbmeb-462	3	23	based	base	VERB
ajbmeb-462	3	24	on	on	ADP
ajbmeb-462	3	25	its	its	PRON
ajbmeb-462	3	26	thorough	thorough	ADJ
ajbmeb-462	3	27	analysis	analysis	NOUN
ajbmeb-462	3	28	.	.	PUNCT
ajbmeb-462	4	1	in	in	ADP
ajbmeb-462	4	2	the	the	DET
ajbmeb-462	4	3	era	era	NOUN
ajbmeb-462	4	4	of	of	ADP
ajbmeb-462	4	5	the	the	DET
ajbmeb-462	4	6	market	market	NOUN
ajbmeb-462	4	7	economy	economy	NOUN
ajbmeb-462	4	8	,	,	PUNCT
ajbmeb-462	4	9	banks	bank	NOUN
ajbmeb-462	4	10	are	be	AUX
ajbmeb-462	4	11	the	the	DET
ajbmeb-462	4	12	lifeblood	lifeblood	NOUN
ajbmeb-462	4	13	of	of	ADP
ajbmeb-462	4	14	the	the	DET
ajbmeb-462	4	15	economy	economy	NOUN
ajbmeb-462	4	16	,	,	PUNCT
ajbmeb-462	4	17	as	as	SCONJ
ajbmeb-462	4	18	the	the	DET
ajbmeb-462	4	19	president	president	NOUN
ajbmeb-462	4	20	noted	note	VERB
ajbmeb-462	4	21	,	,	PUNCT
ajbmeb-462	4	22	and	and	CCONJ
ajbmeb-462	4	23	regulation	regulation	NOUN
ajbmeb-462	4	24	and	and	CCONJ
ajbmeb-462	4	25	coordination	coordination	NOUN
ajbmeb-462	4	26	of	of	ADP
ajbmeb-462	4	27	their	their	PRON
ajbmeb-462	4	28	activities	activity	NOUN
ajbmeb-462	4	29	is	be	AUX
ajbmeb-462	4	30	considered	consider	VERB
ajbmeb-462	4	31	one	one	NUM
ajbmeb-462	4	32	of	of	ADP
ajbmeb-462	4	33	the	the	DET
ajbmeb-462	4	34	most	most	ADV
ajbmeb-462	4	35	important	important	ADJ
ajbmeb-462	4	36	issues	issue	NOUN
ajbmeb-462	4	37	.	.	PUNCT
ajbmeb-462	5	1	continuous	continuous	ADJ
ajbmeb-462	5	2	analysis	analysis	NOUN
ajbmeb-462	5	3	of	of	ADP
ajbmeb-462	5	4	commercial	commercial	ADJ
ajbmeb-462	5	5	banks	bank	NOUN
ajbmeb-462	5	6	'	'	PART
ajbmeb-462	5	7	activities	activity	NOUN
ajbmeb-462	5	8	in	in	ADP
ajbmeb-462	5	9	a	a	DET
ajbmeb-462	5	10	consistent	consistent	ADJ
ajbmeb-462	5	11	,	,	PUNCT
ajbmeb-462	5	12	deep	deep	ADJ
ajbmeb-462	5	13	and	and	CCONJ
ajbmeb-462	5	14	scientifically	scientifically	ADV
ajbmeb-462	5	15	based	base	VERB
ajbmeb-462	5	16	way	way	NOUN
ajbmeb-462	5	17	,	,	PUNCT
ajbmeb-462	5	18	ensuring	ensure	VERB
ajbmeb-462	5	19	the	the	DET
ajbmeb-462	5	20	stability	stability	NOUN
ajbmeb-462	5	21	of	of	ADP
ajbmeb-462	5	22	their	their	PRON
ajbmeb-462	5	23	activities	activity	NOUN
ajbmeb-462	5	24	is	be	AUX
ajbmeb-462	5	25	of	of	ADP
ajbmeb-462	5	26	great	great	ADJ
ajbmeb-462	5	27	economic	economic	ADJ
ajbmeb-462	5	28	importance	importance	NOUN
ajbmeb-462	5	29	.	.	PUNCT
ajbmeb-462	6	1	commercial	commercial	ADJ
ajbmeb-462	6	2	banks	bank	NOUN
ajbmeb-462	6	3	are	be	AUX
ajbmeb-462	6	4	large	large	ADJ
ajbmeb-462	6	5	credit	credit	NOUN
ajbmeb-462	6	6	institutions	institution	NOUN
ajbmeb-462	6	7	that	that	PRON
ajbmeb-462	6	8	provide	provide	VERB
ajbmeb-462	6	9	universal	universal	ADJ
ajbmeb-462	6	10	banking	banking	NOUN
ajbmeb-462	6	11	services	service	NOUN
ajbmeb-462	6	12	to	to	ADP
ajbmeb-462	6	13	enterprises	enterprise	NOUN
ajbmeb-462	6	14	,	,	PUNCT
ajbmeb-462	6	15	organizations	organization	NOUN
ajbmeb-462	6	16	,	,	PUNCT
ajbmeb-462	6	17	citizens	citizen	NOUN
ajbmeb-462	6	18	,	,	PUNCT
ajbmeb-462	6	19	accounts	account	NOUN
ajbmeb-462	6	20	,	,	PUNCT
ajbmeb-462	6	21	payment	payment	NOUN
ajbmeb-462	6	22	operations	operation	NOUN
ajbmeb-462	6	23	,	,	PUNCT
ajbmeb-462	6	24	attraction	attraction	NOUN
ajbmeb-462	6	25	of	of	ADP
ajbmeb-462	6	26	deposits	deposit	NOUN
ajbmeb-462	6	27	,	,	PUNCT
ajbmeb-462	6	28	keeping	keep	VERB
ajbmeb-462	6	29	deposits	deposit	NOUN
ajbmeb-462	6	30	,	,	PUNCT
ajbmeb-462	6	31	granting	grant	VERB
ajbmeb-462	6	32	loans	loan	NOUN
ajbmeb-462	6	33	,	,	PUNCT
ajbmeb-462	6	34	as	as	ADV
ajbmeb-462	6	35	well	well	ADV
ajbmeb-462	6	36	as	as	ADP
ajbmeb-462	6	37	operations	operation	NOUN
ajbmeb-462	6	38	in	in	ADP
ajbmeb-462	6	39	the	the	DET
ajbmeb-462	6	40	stock	stock	NOUN
ajbmeb-462	6	41	market	market	NOUN
ajbmeb-462	6	42	.	.	PUNCT
ajbmeb-462	7	1	on	on	ADP
ajbmeb-462	7	2	the	the	DET
ajbmeb-462	7	3	basis	basis	NOUN
ajbmeb-462	7	4	of	of	ADP
ajbmeb-462	7	5	various	various	ADJ
ajbmeb-462	7	6	forms	form	NOUN
ajbmeb-462	7	7	of	of	ADP
ajbmeb-462	7	8	ownership	ownership	NOUN
ajbmeb-462	7	9	of	of	ADP
ajbmeb-462	7	10	banks	bank	NOUN
ajbmeb-462	7	11	state	state	NOUN
ajbmeb-462	7	12	-	-	PUNCT
ajbmeb-462	7	13	owned	own	VERB
ajbmeb-462	7	14	,	,	PUNCT
ajbmeb-462	7	15	state	state	NOUN
ajbmeb-462	7	16	joint	joint	ADJ
ajbmeb-462	7	17	-	-	PUNCT
ajbmeb-462	7	18	stock	stock	NOUN
ajbmeb-462	7	19	,	,	PUNCT
ajbmeb-462	7	20	open	open	ADJ
ajbmeb-462	7	21	and	and	CCONJ
ajbmeb-462	7	22	closed	closed	ADJ
ajbmeb-462	7	23	joint	joint	ADJ
ajbmeb-462	7	24	-	-	PUNCT
ajbmeb-462	7	25	stock	stock	NOUN
ajbmeb-462	7	26	companies	company	NOUN
ajbmeb-462	7	27	are	be	AUX
ajbmeb-462	7	28	established	establish	VERB
ajbmeb-462	7	29	.	.	PUNCT
ajbmeb-462	8	1	asset	asset	NOUN
ajbmeb-462	8	2	operations	operation	NOUN
ajbmeb-462	8	3	of	of	ADP
ajbmeb-462	8	4	commercial	commercial	ADJ
ajbmeb-462	8	5	banks	bank	NOUN
ajbmeb-462	8	6	banks	bank	NOUN
ajbmeb-462	8	7	deploy	deploy	VERB
ajbmeb-462	8	8	the	the	DET
ajbmeb-462	8	9	resources	resource	NOUN
ajbmeb-462	8	10	at	at	ADP
ajbmeb-462	8	11	their	their	PRON
ajbmeb-462	8	12	disposal	disposal	NOUN
ajbmeb-462	8	13	to	to	PART
ajbmeb-462	8	14	obtain	obtain	VERB
ajbmeb-462	8	15	profit	profit	NOUN
ajbmeb-462	8	16	and	and	CCONJ
ajbmeb-462	8	17	maintain	maintain	VERB
ajbmeb-462	8	18	their	their	PRON
ajbmeb-462	8	19	liquidity	liquidity	NOUN
ajbmeb-462	8	20	,	,	PUNCT
ajbmeb-462	8	21	that	that	ADV
ajbmeb-462	8	22	is	is	ADV
ajbmeb-462	8	23	,	,	PUNCT
ajbmeb-462	8	24	to	to	PART
ajbmeb-462	8	25	ensure	ensure	VERB
ajbmeb-462	8	26	financial	financial	ADJ
ajbmeb-462	8	27	stability	stability	NOUN
ajbmeb-462	8	28	.	.	PUNCT
ajbmeb-462	9	1	active	active	ADJ
ajbmeb-462	9	2	operations	operation	NOUN
ajbmeb-462	9	3	include	include	VERB
ajbmeb-462	9	4	resource	resource	NOUN
ajbmeb-462	9	5	allocation	allocation	NOUN
ajbmeb-462	9	6	operations	operation	NOUN
ajbmeb-462	9	7	.	.	PUNCT
ajbmeb-462	10	1	commercial	commercial	ADJ
ajbmeb-462	10	2	banks	bank	NOUN
ajbmeb-462	10	3	are	be	AUX
ajbmeb-462	10	4	involved	involve	VERB
ajbmeb-462	10	5	in	in	ADP
ajbmeb-462	10	6	various	various	ADJ
ajbmeb-462	10	7	types	type	NOUN
ajbmeb-462	10	8	of	of	ADP
ajbmeb-462	10	9	active	active	ADJ
ajbmeb-462	10	10	structures	structure	NOUN
ajbmeb-462	10	11	.	.	PUNCT
ajbmeb-462	11	1	asset	asset	NOUN
ajbmeb-462	11	2	and	and	CCONJ
ajbmeb-462	11	3	liability	liability	NOUN
ajbmeb-462	11	4	management	management	NOUN
ajbmeb-462	11	5	(	(	PUNCT
ajbmeb-462	11	6	alm	alm	NOUN
ajbmeb-462	11	7	)	)	PUNCT
ajbmeb-462	11	8	of	of	ADP
ajbmeb-462	11	9	commercial	commercial	ADJ
ajbmeb-462	11	10	banks	bank	NOUN
ajbmeb-462	11	11	consists	consist	VERB
ajbmeb-462	11	12	of	of	ADP
ajbmeb-462	11	13	technical	technical	ADJ
ajbmeb-462	11	14	tools	tool	NOUN
ajbmeb-462	11	15	and	and	CCONJ
ajbmeb-462	11	16	methods	method	NOUN
ajbmeb-462	11	17	that	that	PRON
ajbmeb-462	11	18	consider	consider	VERB
ajbmeb-462	11	19	and	and	CCONJ
ajbmeb-462	11	20	manage	manage	VERB
ajbmeb-462	11	21	the	the	DET
ajbmeb-462	11	22	creation	creation	NOUN
ajbmeb-462	11	23	of	of	ADP
ajbmeb-462	11	24	value	value	NOUN
ajbmeb-462	11	25	for	for	ADP
ajbmeb-462	11	26	shareholders	shareholder	NOUN
ajbmeb-462	11	27	and	and	CCONJ
ajbmeb-462	11	28	control	control	NOUN
ajbmeb-462	11	29	of	of	ADP
ajbmeb-462	11	30	risks	risk	NOUN
ajbmeb-462	11	31	.	.	PUNCT
ajbmeb-462	12	1	and	and	CCONJ
ajbmeb-462	12	2	they	they	PRON
ajbmeb-462	12	3	use	use	VERB
ajbmeb-462	12	4	alm	alm	NOUN
ajbmeb-462	12	5	techniques	technique	NOUN
ajbmeb-462	12	6	to	to	PART
ajbmeb-462	12	7	get	get	VERB
ajbmeb-462	12	8	more	more	ADJ
ajbmeb-462	12	9	profit	profit	NOUN
ajbmeb-462	12	10	by	by	ADP
ajbmeb-462	12	11	reducing	reduce	VERB
ajbmeb-462	12	12	the	the	DET
ajbmeb-462	12	13	losses	loss	NOUN
ajbmeb-462	12	14	caused	cause	VERB
ajbmeb-462	12	15	by	by	ADP
ajbmeb-462	12	16	operations	operation	NOUN
ajbmeb-462	12	17	.	.	PUNCT
ajbmeb-462	13	1	active	active	ADJ
ajbmeb-462	13	2	operations	operation	NOUN
ajbmeb-462	13	3	are	be	AUX
ajbmeb-462	13	4	secondary	secondary	ADJ
ajbmeb-462	13	5	to	to	ADP
ajbmeb-462	13	6	passive	passive	ADJ
ajbmeb-462	13	7	operations	operation	NOUN
ajbmeb-462	13	8	.	.	PUNCT
ajbmeb-462	14	1	are	be	AUX
ajbmeb-462	14	2	loan	loan	NOUN
ajbmeb-462	14	3	funds	fund	NOUN
ajbmeb-462	14	4	,	,	PUNCT
ajbmeb-462	14	5	the	the	DET
ajbmeb-462	14	6	bank	bank	NOUN
ajbmeb-462	14	7	should	should	AUX
ajbmeb-462	14	8	structure	structure	VERB
ajbmeb-462	14	9	its	its	PRON
ajbmeb-462	14	10	active	active	ADJ
ajbmeb-462	14	11	operations	operation	NOUN
ajbmeb-462	14	12	in	in	ADP
ajbmeb-462	14	13	such	such	DET
ajbmeb-462	14	14	a	a	DET
ajbmeb-462	14	15	way	way	NOUN
ajbmeb-462	14	16	that	that	PRON
ajbmeb-462	14	17	the	the	DET
ajbmeb-462	14	18	time	time	NOUN
ajbmeb-462	14	19	limit	limit	NOUN
ajbmeb-462	14	20	:	:	PUNCT
ajbmeb-462	14	21	the	the	DET
ajbmeb-462	14	22	return	return	NOUN
ajbmeb-462	14	23	of	of	ADP
ajbmeb-462	14	24	money	money	NOUN
ajbmeb-462	14	25	to	to	ADP
ajbmeb-462	14	26	the	the	DET
ajbmeb-462	14	27	bank	bank	NOUN
ajbmeb-462	14	28	corresponds	correspond	VERB
ajbmeb-462	14	29	to	to	ADP
ajbmeb-462	14	30	the	the	DET
ajbmeb-462	14	31	period	period	NOUN
ajbmeb-462	14	32	of	of	ADP
ajbmeb-462	14	33	their	their	PRON
ajbmeb-462	14	34	return	return	NOUN
ajbmeb-462	14	35	to	to	ADP
ajbmeb-462	14	36	customers	customer	NOUN
ajbmeb-462	14	37	.	.	PUNCT
ajbmeb-462	15	1	assets	asset	NOUN
ajbmeb-462	15	2	of	of	ADP
ajbmeb-462	15	3	commercial	commercial	ADJ
ajbmeb-462	15	4	banks	bank	NOUN
ajbmeb-462	15	5	are	be	AUX
ajbmeb-462	15	6	objects	object	NOUN
ajbmeb-462	15	7	that	that	PRON
ajbmeb-462	15	8	reflect	reflect	VERB
ajbmeb-462	15	9	the	the	DET
ajbmeb-462	15	10	use	use	NOUN
ajbmeb-462	15	11	and	and	CCONJ
ajbmeb-462	15	12	distribution	distribution	NOUN
ajbmeb-462	15	13	of	of	ADP
ajbmeb-462	15	14	the	the	DET
ajbmeb-462	15	15	commercial	commercial	ADJ
ajbmeb-462	15	16	bank	bank	NOUN
ajbmeb-462	15	17	's	's	PART
ajbmeb-462	15	18	resources	resource	NOUN
ajbmeb-462	15	19	on	on	ADP
ajbmeb-462	15	20	the	the	DET
ajbmeb-462	15	21	balance	balance	NOUN
ajbmeb-462	15	22	sheet	sheet	NOUN
ajbmeb-462	15	23	.	.	PUNCT
ajbmeb-462	16	1	as	as	ADP
ajbmeb-462	16	2	a	a	DET
ajbmeb-462	16	3	rule	rule	NOUN
ajbmeb-462	16	4	,	,	PUNCT
ajbmeb-462	16	5	bank	bank	NOUN
ajbmeb-462	16	6	assets	asset	NOUN
ajbmeb-462	16	7	are	be	AUX
ajbmeb-462	16	8	formed	form	VERB
ajbmeb-462	16	9	as	as	ADP
ajbmeb-462	16	10	a	a	DET
ajbmeb-462	16	11	result	result	NOUN
ajbmeb-462	16	12	of	of	ADP
ajbmeb-462	16	13	active	active	ADJ
ajbmeb-462	16	14	operations	operation	NOUN
ajbmeb-462	16	15	these	these	PRON
ajbmeb-462	16	16	are	be	AUX
ajbmeb-462	16	17	operations	operation	NOUN
ajbmeb-462	16	18	on	on	ADP
ajbmeb-462	16	19	the	the	DET
ajbmeb-462	16	20	distribution	distribution	NOUN
ajbmeb-462	16	21	of	of	ADP
ajbmeb-462	16	22	own	own	ADJ
ajbmeb-462	16	23	funds	fund	NOUN
ajbmeb-462	16	24	in	in	ADP
ajbmeb-462	16	25	order	order	NOUN
ajbmeb-462	16	26	to	to	PART
ajbmeb-462	16	27	obtain	obtain	VERB
ajbmeb-462	16	28	income	income	NOUN
ajbmeb-462	16	29	,	,	PUNCT
ajbmeb-462	16	30	ensure	ensure	VERB
ajbmeb-462	16	31	bank	bank	NOUN
ajbmeb-462	16	32	activity	activity	NOUN
ajbmeb-462	16	33	and	and	CCONJ
ajbmeb-462	16	34	maintain	maintain	VERB
ajbmeb-462	16	35	liquidity	liquidity	NOUN
ajbmeb-462	16	36	.	.	PUNCT
ajbmeb-462	17	1	commercial	commercial	ADJ
ajbmeb-462	17	2	banks	bank	NOUN
ajbmeb-462	17	3	receive	receive	VERB
ajbmeb-462	17	4	the	the	DET
ajbmeb-462	17	5	largest	large	ADJ
ajbmeb-462	17	6	part	part	NOUN
ajbmeb-462	17	7	of	of	ADP
ajbmeb-462	17	8	their	their	PRON
ajbmeb-462	17	9	income	income	NOUN
ajbmeb-462	17	10	from	from	ADP
ajbmeb-462	17	11	active	active	ADJ
ajbmeb-462	17	12	operations	operation	NOUN
ajbmeb-462	17	13	.	.	PUNCT
ajbmeb-462	18	1	when	when	SCONJ
ajbmeb-462	18	2	classifying	classify	VERB
ajbmeb-462	18	3	the	the	DET
ajbmeb-462	18	4	composition	composition	NOUN
ajbmeb-462	18	5	of	of	ADP
ajbmeb-462	18	6	assets	asset	NOUN
ajbmeb-462	18	7	according	accord	VERB
ajbmeb-462	18	8	to	to	ADP
ajbmeb-462	18	9	the	the	DET
ajbmeb-462	18	10	leading	lead	VERB
ajbmeb-462	18	11	types	type	NOUN
ajbmeb-462	18	12	of	of	ADP
ajbmeb-462	18	13	banking	banking	NOUN
ajbmeb-462	18	14	activity	activity	NOUN
ajbmeb-462	18	15	,	,	PUNCT
ajbmeb-462	18	16	the	the	DET
ajbmeb-462	18	17	following	follow	VERB
ajbmeb-462	18	18	can	can	AUX
ajbmeb-462	18	19	be	be	AUX
ajbmeb-462	18	20	distinguished	distinguish	VERB
ajbmeb-462	18	21	:	:	PUNCT
ajbmeb-462	18	22	1	1	X
ajbmeb-462	18	23	.	.	X
ajbmeb-462	18	24	credit	credit	NOUN
ajbmeb-462	18	25	operations	operation	NOUN
ajbmeb-462	18	26	occupy	occupy	VERB
ajbmeb-462	18	27	the	the	DET
ajbmeb-462	18	28	first	first	ADJ
ajbmeb-462	18	29	place	place	NOUN
ajbmeb-462	18	30	in	in	ADP
ajbmeb-462	18	31	bank	bank	NOUN
ajbmeb-462	18	32	operations	operation	NOUN
ajbmeb-462	18	33	;	;	PUNCT
ajbmeb-462	19	1	2	2	X
ajbmeb-462	19	2	.	.	X
ajbmeb-462	19	3	in	in	ADP
ajbmeb-462	19	4	the	the	DET
ajbmeb-462	19	5	second	second	ADJ
ajbmeb-462	19	6	place	place	NOUN
ajbmeb-462	19	7	,	,	PUNCT
ajbmeb-462	19	8	investments	investment	NOUN
ajbmeb-462	19	9	in	in	ADP
ajbmeb-462	19	10	securities	security	NOUN
ajbmeb-462	19	11	;	;	PUNCT
ajbmeb-462	19	12	3	3	X
ajbmeb-462	19	13	.	.	X
ajbmeb-462	20	1	the	the	DET
ajbmeb-462	20	2	third	third	NOUN
ajbmeb-462	20	3	is	be	AUX
ajbmeb-462	20	4	money	money	NOUN
ajbmeb-462	20	5	;	;	PUNCT
ajbmeb-462	20	6	american	american	ADJ
ajbmeb-462	20	7	journal	journal	PROPN
ajbmeb-462	20	8	of	of	ADP
ajbmeb-462	20	9	business	business	NOUN
ajbmeb-462	20	10	management	management	NOUN
ajbmeb-462	20	11	,	,	PUNCT
ajbmeb-462	20	12	economics	economic	NOUN
ajbmeb-462	20	13	and	and	CCONJ
ajbmeb-462	20	14	banking	banking	NOUN
ajbmeb-462	20	15	volume	volume	NOUN
ajbmeb-462	20	16	9	9	NUM
ajbmeb-462	20	17	feb	feb	X
ajbmeb-462	20	18	.	.	PROPN
ajbmeb-462	20	19	,	,	PUNCT
ajbmeb-462	20	20	2023	2023	NUM
ajbmeb-462	20	21	p	p	NOUN
ajbmeb-462	20	22	a	a	DET
ajbmeb-462	20	23	g	g	NOUN
ajbmeb-462	20	24	e	e	NOUN
ajbmeb-462	20	25	|	|	NOUN
ajbmeb-462	20	26	135	135	NUM
ajbmeb-462	20	27	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-462	20	28	4	4	NUM
ajbmeb-462	20	29	.	.	PUNCT
ajbmeb-462	21	1	the	the	DET
ajbmeb-462	21	2	share	share	NOUN
ajbmeb-462	21	3	of	of	ADP
ajbmeb-462	21	4	other	other	ADJ
ajbmeb-462	21	5	assets	asset	NOUN
ajbmeb-462	21	6	comes	come	VERB
ajbmeb-462	21	7	from	from	ADP
ajbmeb-462	21	8	the	the	DET
ajbmeb-462	21	9	specific	specific	ADJ
ajbmeb-462	21	10	features	feature	NOUN
ajbmeb-462	21	11	of	of	ADP
ajbmeb-462	21	12	accounting	accounting	NOUN
ajbmeb-462	21	13	,	,	PUNCT
ajbmeb-462	21	14	so	so	SCONJ
ajbmeb-462	21	15	it	it	PRON
ajbmeb-462	21	16	can	can	AUX
ajbmeb-462	21	17	cover	cover	VERB
ajbmeb-462	21	18	operations	operation	NOUN
ajbmeb-462	21	19	from	from	ADP
ajbmeb-462	21	20	investments	investment	NOUN
ajbmeb-462	21	21	in	in	ADP
ajbmeb-462	21	22	fixed	fix	VERB
ajbmeb-462	21	23	assets	asset	NOUN
ajbmeb-462	21	24	to	to	ADP
ajbmeb-462	21	25	various	various	ADJ
ajbmeb-462	21	26	settlement	settlement	NOUN
ajbmeb-462	21	27	operations	operation	NOUN
ajbmeb-462	21	28	.	.	PUNCT
ajbmeb-462	22	1	the	the	DET
ajbmeb-462	22	2	process	process	NOUN
ajbmeb-462	22	3	of	of	ADP
ajbmeb-462	22	4	asset	asset	NOUN
ajbmeb-462	22	5	management	management	NOUN
ajbmeb-462	22	6	is	be	AUX
ajbmeb-462	22	7	formed	form	VERB
ajbmeb-462	22	8	directly	directly	ADV
ajbmeb-462	22	9	from	from	ADP
ajbmeb-462	22	10	the	the	DET
ajbmeb-462	22	11	management	management	NOUN
ajbmeb-462	22	12	of	of	ADP
ajbmeb-462	22	13	balanced	balanced	ADJ
ajbmeb-462	22	14	funds	fund	NOUN
ajbmeb-462	22	15	based	base	VERB
ajbmeb-462	22	16	on	on	ADP
ajbmeb-462	22	17	three	three	NUM
ajbmeb-462	22	18	main	main	ADJ
ajbmeb-462	22	19	indicators	indicator	NOUN
ajbmeb-462	22	20	:	:	PUNCT
ajbmeb-462	22	21	profitability	profitability	NOUN
ajbmeb-462	22	22	;	;	PUNCT
ajbmeb-462	22	23	risk	risk	NOUN
ajbmeb-462	22	24	level	level	NOUN
ajbmeb-462	22	25	;	;	PUNCT
ajbmeb-462	22	26	liquidity	liquidity	NOUN
ajbmeb-462	22	27	.	.	PUNCT
ajbmeb-462	23	1	there	there	PRON
ajbmeb-462	23	2	are	be	VERB
ajbmeb-462	23	3	three	three	NUM
ajbmeb-462	23	4	main	main	ADJ
ajbmeb-462	23	5	methods	method	NOUN
ajbmeb-462	23	6	of	of	ADP
ajbmeb-462	23	7	asset	asset	NOUN
ajbmeb-462	23	8	management	management	NOUN
ajbmeb-462	23	9	in	in	ADP
ajbmeb-462	23	10	banking	banking	NOUN
ajbmeb-462	23	11	:	:	PUNCT
ajbmeb-462	23	12	the	the	DET
ajbmeb-462	23	13	general	general	ADJ
ajbmeb-462	23	14	fund	fund	NOUN
ajbmeb-462	23	15	method	method	NOUN
ajbmeb-462	23	16	absolutely	absolutely	ADV
ajbmeb-462	23	17	all	all	PRON
ajbmeb-462	23	18	available	available	ADJ
ajbmeb-462	23	19	resources	resource	NOUN
ajbmeb-462	23	20	are	be	AUX
ajbmeb-462	23	21	combined	combine	VERB
ajbmeb-462	23	22	in	in	ADP
ajbmeb-462	23	23	ofs	ofs	PROPN
ajbmeb-462	23	24	(	(	PUNCT
ajbmeb-462	23	25	general	general	ADJ
ajbmeb-462	23	26	funds	fund	NOUN
ajbmeb-462	23	27	of	of	ADP
ajbmeb-462	23	28	funds	fund	NOUN
ajbmeb-462	23	29	)	)	PUNCT
ajbmeb-462	23	30	,	,	PUNCT
ajbmeb-462	23	31	and	and	CCONJ
ajbmeb-462	23	32	then	then	ADV
ajbmeb-462	23	33	they	they	PRON
ajbmeb-462	23	34	are	be	AUX
ajbmeb-462	23	35	divided	divide	VERB
ajbmeb-462	23	36	into	into	ADP
ajbmeb-462	23	37	different	different	ADJ
ajbmeb-462	23	38	groups	group	NOUN
ajbmeb-462	23	39	of	of	ADP
ajbmeb-462	23	40	assets	asset	NOUN
ajbmeb-462	23	41	depending	depend	VERB
ajbmeb-462	23	42	on	on	ADP
ajbmeb-462	23	43	the	the	DET
ajbmeb-462	23	44	goals	goal	NOUN
ajbmeb-462	23	45	of	of	ADP
ajbmeb-462	23	46	the	the	DET
ajbmeb-462	23	47	credit	credit	NOUN
ajbmeb-462	23	48	organization	organization	NOUN
ajbmeb-462	23	49	,	,	PUNCT
ajbmeb-462	23	50	as	as	ADV
ajbmeb-462	23	51	well	well	ADV
ajbmeb-462	23	52	as	as	ADP
ajbmeb-462	23	53	the	the	DET
ajbmeb-462	23	54	principles	principle	NOUN
ajbmeb-462	23	55	of	of	ADP
ajbmeb-462	23	56	liquidity	liquidity	NOUN
ajbmeb-462	23	57	.	.	PUNCT
ajbmeb-462	24	1	the	the	DET
ajbmeb-462	24	2	disadvantage	disadvantage	NOUN
ajbmeb-462	24	3	of	of	ADP
ajbmeb-462	24	4	this	this	DET
ajbmeb-462	24	5	method	method	NOUN
ajbmeb-462	24	6	is	be	AUX
ajbmeb-462	24	7	that	that	SCONJ
ajbmeb-462	24	8	it	it	PRON
ajbmeb-462	24	9	does	do	AUX
ajbmeb-462	24	10	not	not	PART
ajbmeb-462	24	11	take	take	VERB
ajbmeb-462	24	12	into	into	ADP
ajbmeb-462	24	13	account	account	NOUN
ajbmeb-462	24	14	the	the	DET
ajbmeb-462	24	15	time	time	NOUN
ajbmeb-462	24	16	and	and	CCONJ
ajbmeb-462	24	17	sources	source	NOUN
ajbmeb-462	24	18	of	of	ADP
ajbmeb-462	24	19	receiving	receive	VERB
ajbmeb-462	24	20	money	money	NOUN
ajbmeb-462	24	21	,	,	PUNCT
ajbmeb-462	24	22	therefore	therefore	ADV
ajbmeb-462	24	23	,	,	PUNCT
ajbmeb-462	24	24	the	the	DET
ajbmeb-462	24	25	effective	effective	ADJ
ajbmeb-462	24	26	operation	operation	NOUN
ajbmeb-462	24	27	of	of	ADP
ajbmeb-462	24	28	the	the	DET
ajbmeb-462	24	29	bank	bank	NOUN
ajbmeb-462	24	30	depends	depend	VERB
ajbmeb-462	24	31	on	on	ADP
ajbmeb-462	24	32	the	the	DET
ajbmeb-462	24	33	management	management	NOUN
ajbmeb-462	24	34	skills	skill	NOUN
ajbmeb-462	24	35	.	.	PUNCT
ajbmeb-462	25	1	this	this	DET
ajbmeb-462	25	2	method	method	NOUN
ajbmeb-462	25	3	is	be	AUX
ajbmeb-462	25	4	usually	usually	ADV
ajbmeb-462	25	5	considered	consider	VERB
ajbmeb-462	25	6	a	a	DET
ajbmeb-462	25	7	method	method	NOUN
ajbmeb-462	25	8	for	for	ADP
ajbmeb-462	25	9	small	small	ADJ
ajbmeb-462	25	10	banks	bank	NOUN
ajbmeb-462	25	11	.	.	PUNCT
ajbmeb-462	26	1	the	the	DET
ajbmeb-462	26	2	method	method	NOUN
ajbmeb-462	26	3	of	of	ADP
ajbmeb-462	26	4	money	money	NOUN
ajbmeb-462	26	5	exchange	exchange	NOUN
ajbmeb-462	26	6	or	or	CCONJ
ajbmeb-462	26	7	distribution	distribution	NOUN
ajbmeb-462	26	8	of	of	ADP
ajbmeb-462	26	9	assets	asset	NOUN
ajbmeb-462	26	10	eliminates	eliminate	VERB
ajbmeb-462	26	11	the	the	DET
ajbmeb-462	26	12	shortcomings	shortcoming	NOUN
ajbmeb-462	26	13	of	of	ADP
ajbmeb-462	26	14	the	the	DET
ajbmeb-462	26	15	first	first	ADJ
ajbmeb-462	26	16	method	method	NOUN
ajbmeb-462	26	17	.	.	PUNCT
ajbmeb-462	27	1	the	the	DET
ajbmeb-462	27	2	sources	source	NOUN
ajbmeb-462	27	3	of	of	ADP
ajbmeb-462	27	4	funds	fund	NOUN
ajbmeb-462	27	5	,	,	PUNCT
ajbmeb-462	27	6	depending	depend	VERB
ajbmeb-462	27	7	on	on	ADP
ajbmeb-462	27	8	the	the	DET
ajbmeb-462	27	9	specified	specified	ADJ
ajbmeb-462	27	10	period	period	NOUN
ajbmeb-462	27	11	,	,	PUNCT
ajbmeb-462	27	12	go	go	VERB
ajbmeb-462	27	13	to	to	ADP
ajbmeb-462	27	14	some	some	DET
ajbmeb-462	27	15	departments	department	NOUN
ajbmeb-462	27	16	of	of	ADP
ajbmeb-462	27	17	the	the	DET
ajbmeb-462	27	18	bank	bank	NOUN
ajbmeb-462	27	19	,	,	PUNCT
ajbmeb-462	27	20	and	and	CCONJ
ajbmeb-462	27	21	then	then	ADV
ajbmeb-462	27	22	these	these	DET
ajbmeb-462	27	23	departments	department	NOUN
ajbmeb-462	27	24	themselves	themselves	PRON
ajbmeb-462	27	25	distribute	distribute	VERB
ajbmeb-462	27	26	these	these	DET
ajbmeb-462	27	27	sources	source	NOUN
ajbmeb-462	27	28	to	to	ADP
ajbmeb-462	27	29	the	the	DET
ajbmeb-462	27	30	relevant	relevant	ADJ
ajbmeb-462	27	31	assets	asset	NOUN
ajbmeb-462	27	32	.	.	PUNCT
ajbmeb-462	28	1	scientific	scientific	ADJ
ajbmeb-462	28	2	management	management	NOUN
ajbmeb-462	28	3	method	method	NOUN
ajbmeb-462	28	4	asset	asset	NOUN
ajbmeb-462	28	5	management	management	NOUN
ajbmeb-462	28	6	by	by	ADP
ajbmeb-462	28	7	means	mean	NOUN
ajbmeb-462	28	8	of	of	ADP
ajbmeb-462	28	9	scientific	scientific	ADJ
ajbmeb-462	28	10	methods	method	NOUN
ajbmeb-462	28	11	and	and	CCONJ
ajbmeb-462	28	12	operations	operation	NOUN
ajbmeb-462	28	13	analysis	analysis	NOUN
ajbmeb-462	28	14	includes	include	VERB
ajbmeb-462	28	15	the	the	DET
ajbmeb-462	28	16	use	use	NOUN
ajbmeb-462	28	17	of	of	ADP
ajbmeb-462	28	18	the	the	DET
ajbmeb-462	28	19	most	most	ADV
ajbmeb-462	28	20	modern	modern	ADJ
ajbmeb-462	28	21	models	model	NOUN
ajbmeb-462	28	22	and	and	CCONJ
ajbmeb-462	28	23	the	the	DET
ajbmeb-462	28	24	latest	late	ADJ
ajbmeb-462	28	25	mathematical	mathematical	ADJ
ajbmeb-462	28	26	equipment	equipment	NOUN
ajbmeb-462	28	27	to	to	PART
ajbmeb-462	28	28	study	study	VERB
ajbmeb-462	28	29	the	the	DET
ajbmeb-462	28	30	interrelationship	interrelationship	NOUN
ajbmeb-462	28	31	between	between	ADP
ajbmeb-462	28	32	various	various	ADJ
ajbmeb-462	28	33	items	item	NOUN
ajbmeb-462	28	34	of	of	ADP
ajbmeb-462	28	35	the	the	DET
ajbmeb-462	28	36	bank	bank	NOUN
ajbmeb-462	28	37	balance	balance	NOUN
ajbmeb-462	28	38	sheet	sheet	NOUN
ajbmeb-462	28	39	.	.	PUNCT
ajbmeb-462	29	1	nowadays	nowadays	ADV
ajbmeb-462	29	2	,	,	PUNCT
ajbmeb-462	29	3	real	real	ADJ
ajbmeb-462	29	4	estate	estate	NOUN
ajbmeb-462	29	5	,	,	PUNCT
ajbmeb-462	29	6	insurance	insurance	NOUN
ajbmeb-462	29	7	guarantee	guarantee	NOUN
ajbmeb-462	29	8	of	of	ADP
ajbmeb-462	29	9	another	another	DET
ajbmeb-462	29	10	bank	bank	NOUN
ajbmeb-462	29	11	or	or	CCONJ
ajbmeb-462	29	12	insurance	insurance	NOUN
ajbmeb-462	29	13	organization	organization	NOUN
ajbmeb-462	29	14	can	can	AUX
ajbmeb-462	29	15	be	be	AUX
ajbmeb-462	29	16	accepted	accept	VERB
ajbmeb-462	29	17	as	as	ADP
ajbmeb-462	29	18	collateral	collateral	NOUN
ajbmeb-462	29	19	for	for	ADP
ajbmeb-462	29	20	loans	loan	NOUN
ajbmeb-462	29	21	given	give	VERB
ajbmeb-462	29	22	by	by	ADP
ajbmeb-462	29	23	commercial	commercial	ADJ
ajbmeb-462	29	24	banks	bank	NOUN
ajbmeb-462	29	25	.	.	PUNCT
ajbmeb-462	30	1	lending	lending	NOUN
ajbmeb-462	30	2	process	process	NOUN
ajbmeb-462	30	3	occupies	occupy	VERB
ajbmeb-462	30	4	the	the	DET
ajbmeb-462	30	5	main	main	ADJ
ajbmeb-462	30	6	place	place	NOUN
ajbmeb-462	30	7	in	in	ADP
ajbmeb-462	30	8	asset	asset	NOUN
ajbmeb-462	30	9	operations	operation	NOUN
ajbmeb-462	30	10	of	of	ADP
ajbmeb-462	30	11	commercial	commercial	ADJ
ajbmeb-462	30	12	banks	bank	NOUN
ajbmeb-462	30	13	.	.	PUNCT
ajbmeb-462	31	1	one	one	NUM
ajbmeb-462	31	2	type	type	NOUN
ajbmeb-462	31	3	is	be	AUX
ajbmeb-462	31	4	fund	fund	NOUN
ajbmeb-462	31	5	operations	operation	NOUN
ajbmeb-462	31	6	.	.	PUNCT
ajbmeb-462	32	1	in	in	ADP
ajbmeb-462	32	2	addition	addition	NOUN
ajbmeb-462	32	3	,	,	PUNCT
ajbmeb-462	32	4	there	there	PRON
ajbmeb-462	32	5	are	be	VERB
ajbmeb-462	32	6	also	also	ADV
ajbmeb-462	32	7	bank	bank	NOUN
ajbmeb-462	32	8	investments	investment	NOUN
ajbmeb-462	32	9	in	in	ADP
ajbmeb-462	32	10	securities	security	NOUN
ajbmeb-462	32	11	,	,	PUNCT
ajbmeb-462	32	12	in	in	ADP
ajbmeb-462	32	13	which	which	DET
ajbmeb-462	32	14	case	case	NOUN
ajbmeb-462	32	15	the	the	DET
ajbmeb-462	32	16	bank	bank	NOUN
ajbmeb-462	32	17	buys	buy	VERB
ajbmeb-462	32	18	securities	security	NOUN
ajbmeb-462	32	19	from	from	ADP
ajbmeb-462	32	20	various	various	ADJ
ajbmeb-462	32	21	issuers	issuer	NOUN
ajbmeb-462	32	22	and	and	CCONJ
ajbmeb-462	32	23	a	a	DET
ajbmeb-462	32	24	portfolio	portfolio	NOUN
ajbmeb-462	32	25	of	of	ADP
ajbmeb-462	32	26	bank	bank	NOUN
ajbmeb-462	32	27	securities	security	NOUN
ajbmeb-462	32	28	is	be	AUX
ajbmeb-462	32	29	created	create	VERB
ajbmeb-462	32	30	.	.	PUNCT
ajbmeb-462	33	1	depends	depend	VERB
ajbmeb-462	33	2	one	one	NUM
ajbmeb-462	33	3	of	of	ADP
ajbmeb-462	33	4	the	the	DET
ajbmeb-462	33	5	necessary	necessary	ADJ
ajbmeb-462	33	6	requirements	requirement	NOUN
ajbmeb-462	33	7	for	for	ADP
ajbmeb-462	33	8	a	a	DET
ajbmeb-462	33	9	commercial	commercial	ADJ
ajbmeb-462	33	10	bank	bank	NOUN
ajbmeb-462	33	11	to	to	PART
ajbmeb-462	33	12	start	start	VERB
ajbmeb-462	33	13	its	its	PRON
ajbmeb-462	33	14	activity	activity	NOUN
ajbmeb-462	33	15	as	as	ADP
ajbmeb-462	33	16	an	an	DET
ajbmeb-462	33	17	independent	independent	ADJ
ajbmeb-462	33	18	entity	entity	NOUN
ajbmeb-462	33	19	is	be	AUX
ajbmeb-462	33	20	that	that	SCONJ
ajbmeb-462	33	21	the	the	DET
ajbmeb-462	33	22	bank	bank	NOUN
ajbmeb-462	33	23	has	have	VERB
ajbmeb-462	33	24	its	its	PRON
ajbmeb-462	33	25	own	own	ADJ
ajbmeb-462	33	26	potential	potential	NOUN
ajbmeb-462	33	27	at	at	ADP
ajbmeb-462	33	28	the	the	DET
ajbmeb-462	33	29	level	level	NOUN
ajbmeb-462	33	30	of	of	ADP
ajbmeb-462	33	31	demand	demand	NOUN
ajbmeb-462	33	32	.	.	PUNCT
ajbmeb-462	34	1	therefore	therefore	ADV
ajbmeb-462	34	2	,	,	PUNCT
ajbmeb-462	34	3	the	the	DET
ajbmeb-462	34	4	operation	operation	NOUN
ajbmeb-462	34	5	of	of	ADP
ajbmeb-462	34	6	banks	bank	NOUN
ajbmeb-462	34	7	requires	require	VERB
ajbmeb-462	34	8	,	,	PUNCT
ajbmeb-462	34	9	first	first	ADV
ajbmeb-462	34	10	of	of	ADP
ajbmeb-462	34	11	all	all	PRON
ajbmeb-462	34	12	,	,	PUNCT
ajbmeb-462	34	13	the	the	DET
ajbmeb-462	34	14	availability	availability	NOUN
ajbmeb-462	34	15	of	of	ADP
ajbmeb-462	34	16	a	a	DET
ajbmeb-462	34	17	sufficient	sufficient	ADJ
ajbmeb-462	34	18	amount	amount	NOUN
ajbmeb-462	34	19	of	of	ADP
ajbmeb-462	34	20	bank	bank	NOUN
ajbmeb-462	34	21	resources	resource	NOUN
ajbmeb-462	34	22	.	.	PUNCT
ajbmeb-462	35	1	requires	require	VERB
ajbmeb-462	35	2	.	.	PUNCT
ajbmeb-462	36	1	the	the	DET
ajbmeb-462	36	2	efficient	efficient	ADJ
ajbmeb-462	36	3	management	management	NOUN
ajbmeb-462	36	4	of	of	ADP
ajbmeb-462	36	5	passive	passive	ADJ
ajbmeb-462	36	6	operations	operation	NOUN
ajbmeb-462	36	7	of	of	ADP
ajbmeb-462	36	8	any	any	DET
ajbmeb-462	36	9	commercial	commercial	ADJ
ajbmeb-462	36	10	banks	bank	NOUN
ajbmeb-462	36	11	creates	create	VERB
ajbmeb-462	36	12	the	the	DET
ajbmeb-462	36	13	basis	basis	NOUN
ajbmeb-462	36	14	for	for	ADP
ajbmeb-462	36	15	the	the	DET
ajbmeb-462	36	16	perfect	perfect	ADJ
ajbmeb-462	36	17	organization	organization	NOUN
ajbmeb-462	36	18	and	and	CCONJ
ajbmeb-462	36	19	efficient	efficient	ADJ
ajbmeb-462	36	20	use	use	NOUN
ajbmeb-462	36	21	of	of	ADP
ajbmeb-462	36	22	bank	bank	NOUN
ajbmeb-462	36	23	resources	resource	NOUN
ajbmeb-462	36	24	.	.	PUNCT
ajbmeb-462	37	1	the	the	DET
ajbmeb-462	37	2	generated	generate	VERB
ajbmeb-462	37	3	resources	resource	NOUN
ajbmeb-462	37	4	are	be	AUX
ajbmeb-462	37	5	used	use	VERB
ajbmeb-462	37	6	to	to	PART
ajbmeb-462	37	7	ensure	ensure	VERB
ajbmeb-462	37	8	the	the	DET
ajbmeb-462	37	9	commercial	commercial	ADJ
ajbmeb-462	37	10	and	and	CCONJ
ajbmeb-462	37	11	economic	economic	ADJ
ajbmeb-462	37	12	activities	activity	NOUN
ajbmeb-462	37	13	of	of	ADP
ajbmeb-462	37	14	commercial	commercial	ADJ
ajbmeb-462	37	15	banks	bank	NOUN
ajbmeb-462	37	16	.	.	PUNCT
ajbmeb-462	38	1	in	in	ADP
ajbmeb-462	38	2	the	the	DET
ajbmeb-462	38	3	conditions	condition	NOUN
ajbmeb-462	38	4	of	of	ADP
ajbmeb-462	38	5	the	the	DET
ajbmeb-462	38	6	market	market	NOUN
ajbmeb-462	38	7	economy	economy	NOUN
ajbmeb-462	38	8	,	,	PUNCT
ajbmeb-462	38	9	the	the	DET
ajbmeb-462	38	10	passive	passive	ADJ
ajbmeb-462	38	11	operations	operation	NOUN
ajbmeb-462	38	12	of	of	ADP
ajbmeb-462	38	13	commercial	commercial	ADJ
ajbmeb-462	38	14	banks	bank	NOUN
ajbmeb-462	38	15	,	,	PUNCT
ajbmeb-462	38	16	its	its	PRON
ajbmeb-462	38	17	structure	structure	NOUN
ajbmeb-462	38	18	and	and	CCONJ
ajbmeb-462	38	19	volume	volume	NOUN
ajbmeb-462	38	20	increase	increase	NOUN
ajbmeb-462	38	21	,	,	PUNCT
ajbmeb-462	38	22	its	its	PRON
ajbmeb-462	38	23	effective	effective	ADJ
ajbmeb-462	38	24	management	management	NOUN
ajbmeb-462	38	25	is	be	AUX
ajbmeb-462	38	26	important	important	ADJ
ajbmeb-462	38	27	.	.	PUNCT
ajbmeb-462	39	1	the	the	DET
ajbmeb-462	39	2	formation	formation	NOUN
ajbmeb-462	39	3	of	of	ADP
ajbmeb-462	39	4	the	the	DET
ajbmeb-462	39	5	resource	resource	NOUN
ajbmeb-462	39	6	base	base	NOUN
ajbmeb-462	39	7	of	of	ADP
ajbmeb-462	39	8	commercial	commercial	ADJ
ajbmeb-462	39	9	banks	bank	NOUN
ajbmeb-462	39	10	includes	include	VERB
ajbmeb-462	39	11	not	not	PART
ajbmeb-462	39	12	only	only	ADV
ajbmeb-462	39	13	attracting	attract	VERB
ajbmeb-462	39	14	new	new	ADJ
ajbmeb-462	39	15	customers	customer	NOUN
ajbmeb-462	39	16	,	,	PUNCT
ajbmeb-462	39	17	but	but	CCONJ
ajbmeb-462	39	18	also	also	ADV
ajbmeb-462	39	19	constantly	constantly	ADV
ajbmeb-462	39	20	changing	change	VERB
ajbmeb-462	39	21	the	the	DET
ajbmeb-462	39	22	structure	structure	NOUN
ajbmeb-462	39	23	of	of	ADP
ajbmeb-462	39	24	resource	resource	NOUN
ajbmeb-462	39	25	sources	source	NOUN
ajbmeb-462	39	26	.	.	PUNCT
ajbmeb-462	40	1	it	it	PRON
ajbmeb-462	40	2	is	be	AUX
ajbmeb-462	40	3	considered	consider	VERB
ajbmeb-462	40	4	a	a	DET
ajbmeb-462	40	5	component	component	NOUN
ajbmeb-462	40	6	of	of	ADP
ajbmeb-462	40	7	the	the	DET
ajbmeb-462	40	8	rational	rational	ADJ
ajbmeb-462	40	9	use	use	NOUN
ajbmeb-462	40	10	of	of	ADP
ajbmeb-462	40	11	bank	bank	NOUN
ajbmeb-462	40	12	assets	asset	NOUN
ajbmeb-462	40	13	and	and	CCONJ
ajbmeb-462	40	14	liabilities	liability	NOUN
ajbmeb-462	40	15	.	.	PUNCT
ajbmeb-462	41	1	the	the	DET
ajbmeb-462	41	2	following	follow	VERB
ajbmeb-462	41	3	are	be	AUX
ajbmeb-462	41	4	included	include	VERB
ajbmeb-462	41	5	in	in	ADP
ajbmeb-462	41	6	the	the	DET
ajbmeb-462	41	7	composition	composition	NOUN
ajbmeb-462	41	8	of	of	ADP
ajbmeb-462	41	9	commercial	commercial	ADJ
ajbmeb-462	41	10	banks	bank	NOUN
ajbmeb-462	41	11	'	'	PART
ajbmeb-462	41	12	own	own	ADJ
ajbmeb-462	41	13	funds	fund	NOUN
ajbmeb-462	41	14	through	through	ADP
ajbmeb-462	41	15	their	their	PRON
ajbmeb-462	41	16	passive	passive	ADJ
ajbmeb-462	41	17	operations	operation	NOUN
ajbmeb-462	41	18	:	:	PUNCT
ajbmeb-462	41	19	1	1	X
ajbmeb-462	41	20	)	)	PUNCT
ajbmeb-462	41	21	share	share	NOUN
ajbmeb-462	41	22	capital	capital	NOUN
ajbmeb-462	41	23	;	;	PUNCT
ajbmeb-462	41	24	2	2	X
ajbmeb-462	41	25	)	)	PUNCT
ajbmeb-462	41	26	additional	additional	ADJ
ajbmeb-462	41	27	capital	capital	NOUN
ajbmeb-462	41	28	;	;	PUNCT
ajbmeb-462	41	29	3	3	X
ajbmeb-462	41	30	)	)	PUNCT
ajbmeb-462	41	31	reserve	reserve	NOUN
ajbmeb-462	41	32	capital	capital	NOUN
ajbmeb-462	41	33	;	;	PUNCT
ajbmeb-462	41	34	4	4	X
ajbmeb-462	41	35	)	)	PUNCT
ajbmeb-462	41	36	retained	retain	VERB
ajbmeb-462	41	37	earnings	earning	NOUN
ajbmeb-462	41	38	;	;	PUNCT
ajbmeb-462	41	39	5	5	NUM
ajbmeb-462	41	40	)	)	PUNCT
ajbmeb-462	41	41	revaluation	revaluation	NOUN
ajbmeb-462	41	42	surplus	surplus	NOUN
ajbmeb-462	41	43	.	.	PUNCT
ajbmeb-462	42	1	the	the	DET
ajbmeb-462	42	2	most	most	ADV
ajbmeb-462	42	3	important	important	ADJ
ajbmeb-462	42	4	problem	problem	NOUN
ajbmeb-462	42	5	for	for	ADP
ajbmeb-462	42	6	commercial	commercial	ADJ
ajbmeb-462	42	7	banks	bank	NOUN
ajbmeb-462	42	8	is	be	AUX
ajbmeb-462	42	9	to	to	PART
ajbmeb-462	42	10	ensure	ensure	VERB
ajbmeb-462	42	11	that	that	SCONJ
ajbmeb-462	42	12	the	the	DET
ajbmeb-462	42	13	management	management	NOUN
ajbmeb-462	42	14	of	of	ADP
ajbmeb-462	42	15	assets	asset	NOUN
ajbmeb-462	42	16	and	and	CCONJ
ajbmeb-462	42	17	liabilities	liability	NOUN
ajbmeb-462	42	18	is	be	AUX
ajbmeb-462	42	19	consistent	consistent	ADJ
ajbmeb-462	42	20	with	with	ADP
ajbmeb-462	42	21	the	the	DET
ajbmeb-462	42	22	conditions	condition	NOUN
ajbmeb-462	42	23	between	between	ADP
ajbmeb-462	42	24	the	the	DET
ajbmeb-462	42	25	resources	resource	NOUN
ajbmeb-462	42	26	involved	involve	VERB
ajbmeb-462	42	27	and	and	CCONJ
ajbmeb-462	42	28	their	their	PRON
ajbmeb-462	42	29	placement	placement	NOUN
ajbmeb-462	42	30	.	.	PUNCT
ajbmeb-462	43	1	in	in	ADP
ajbmeb-462	43	2	american	american	PROPN
ajbmeb-462	43	3	journal	journal	PROPN
ajbmeb-462	43	4	of	of	ADP
ajbmeb-462	43	5	business	business	NOUN
ajbmeb-462	43	6	management	management	NOUN
ajbmeb-462	43	7	,	,	PUNCT
ajbmeb-462	43	8	economics	economic	NOUN
ajbmeb-462	43	9	and	and	CCONJ
ajbmeb-462	43	10	banking	banking	NOUN
ajbmeb-462	43	11	volume	volume	NOUN
ajbmeb-462	43	12	9	9	NUM
ajbmeb-462	43	13	feb	feb	X
ajbmeb-462	43	14	.	.	PROPN
ajbmeb-462	43	15	,	,	PUNCT
ajbmeb-462	43	16	2023	2023	NUM
ajbmeb-462	43	17	p	p	NOUN
ajbmeb-462	43	18	a	a	DET
ajbmeb-462	43	19	g	g	NOUN
ajbmeb-462	43	20	e	e	NOUN
ajbmeb-462	43	21	|	|	ADV
ajbmeb-462	43	22	136	136	NUM
ajbmeb-462	43	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-462	43	24	short	short	ADJ
ajbmeb-462	43	25	,	,	PUNCT
ajbmeb-462	43	26	the	the	DET
ajbmeb-462	43	27	methods	method	NOUN
ajbmeb-462	43	28	of	of	ADP
ajbmeb-462	43	29	asset	asset	NOUN
ajbmeb-462	43	30	and	and	CCONJ
ajbmeb-462	43	31	liability	liability	NOUN
ajbmeb-462	43	32	management	management	NOUN
ajbmeb-462	43	33	in	in	ADP
ajbmeb-462	43	34	the	the	DET
ajbmeb-462	43	35	activities	activity	NOUN
ajbmeb-462	43	36	of	of	ADP
ajbmeb-462	43	37	such	such	ADJ
ajbmeb-462	43	38	banks	bank	NOUN
ajbmeb-462	43	39	are	be	AUX
ajbmeb-462	43	40	at	at	ADP
ajbmeb-462	43	41	a	a	DET
ajbmeb-462	43	42	high	high	ADJ
ajbmeb-462	43	43	level	level	NOUN
ajbmeb-462	43	44	,	,	PUNCT
ajbmeb-462	43	45	and	and	CCONJ
ajbmeb-462	43	46	their	their	PRON
ajbmeb-462	43	47	improvement	improvement	NOUN
ajbmeb-462	43	48	opens	open	VERB
ajbmeb-462	43	49	wide	wide	ADJ
ajbmeb-462	43	50	opportunities	opportunity	NOUN
ajbmeb-462	43	51	for	for	ADP
ajbmeb-462	43	52	the	the	DET
ajbmeb-462	43	53	state	state	NOUN
ajbmeb-462	43	54	economy	economy	NOUN
ajbmeb-462	43	55	.	.	PUNCT
ajbmeb-462	44	1	references	reference	NOUN
ajbmeb-462	44	2	1.t.m.karaliyev	1.t.m.karaliyev	NUM
ajbmeb-462	44	3	,	,	PUNCT
ajbmeb-462	44	4	o.b.sattarov	o.b.sattarov	ADJ
ajbmeb-462	44	5	,	,	PUNCT
ajbmeb-462	44	6	i.f.sayfiddinov	i.f.sayfiddinov	NOUN
ajbmeb-462	44	7	–	–	PUNCT
ajbmeb-462	44	8	tijorat	tijorat	NOUN
ajbmeb-462	44	9	banklari	banklari	PROPN
ajbmeb-462	44	10	faoliyati	faoliyati	VERB
ajbmeb-462	44	11	tahlili.toshkent	tahlili.toshkent	NUM
ajbmeb-462	44	12	,	,	PUNCT
ajbmeb-462	44	13	iqtisod	iqtisod	ADJ
ajbmeb-462	44	14	–	–	PUNCT
ajbmeb-462	44	15	moliya	moliya	NOUN
ajbmeb-462	44	16	:	:	PUNCT
ajbmeb-462	44	17	2013	2013	NUM
ajbmeb-462	44	18	.	.	PUNCT
ajbmeb-462	45	1	2.i.m	2.i.m	X
ajbmeb-462	45	2	.	.	PUNCT
ajbmeb-462	46	1	alimardonov	alimardonov	PROPN
ajbmeb-462	46	2	,	,	PUNCT
ajbmeb-462	46	3	r.i.shomurodov	r.i.shomurodov	NOUN
ajbmeb-462	46	4	,	,	PUNCT
ajbmeb-462	46	5	j.k.majidov	j.k.majidov	PROPN
ajbmeb-462	46	6	–	–	PUNCT
ajbmeb-462	46	7	tijorat	tijorat	NOUN
ajbmeb-462	46	8	banklari	banklari	PROPN
ajbmeb-462	46	9	aktiv	aktiv	PROPN
ajbmeb-462	46	10	va	va	PROPN
ajbmeb-462	46	11	passivlarini	passivlarini	PROPN
ajbmeb-462	46	12	boshqarish.darslik.2021	boshqarish.darslik.2021	PROPN
ajbmeb-462	46	13	.	.	PUNCT