id	sid	tid	token	lemma	pos
ajbmeb-617	1	1	american	american	PROPN
ajbmeb-617	1	2	journal	journal	PROPN
ajbmeb-617	1	3	of	of	ADP
ajbmeb-617	1	4	business	business	NOUN
ajbmeb-617	1	5	management	management	NOUN
ajbmeb-617	1	6	,	,	PUNCT
ajbmeb-617	1	7	economics	economic	NOUN
ajbmeb-617	1	8	and	and	CCONJ
ajbmeb-617	1	9	banking	banking	NOUN
ajbmeb-617	1	10	issn	issn	PROPN
ajbmeb-617	1	11	(	(	PUNCT
ajbmeb-617	1	12	e	e	NOUN
ajbmeb-617	1	13	):	):	PUNCT
ajbmeb-617	1	14	2832	2832	NUM
ajbmeb-617	1	15	-	-	SYM
ajbmeb-617	1	16	8078	8078	NUM
ajbmeb-617	1	17	volume	volume	NOUN
ajbmeb-617	1	18	10	10	NUM
ajbmeb-617	1	19	,	,	PUNCT
ajbmeb-617	1	20	|	|	ADV
ajbmeb-617	1	21	march	march	NOUN
ajbmeb-617	1	22	,	,	PUNCT
ajbmeb-617	1	23	2023	2023	NUM
ajbmeb-617	1	24	p	p	NOUN
ajbmeb-617	1	25	a	a	DET
ajbmeb-617	1	26	g	g	NOUN
ajbmeb-617	1	27	e	e	NOUN
ajbmeb-617	2	1	|	|	ADV
ajbmeb-617	2	2	159	159	NUM
ajbmeb-617	2	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	2	4	the	the	DET
ajbmeb-617	2	5	role	role	NOUN
ajbmeb-617	2	6	of	of	ADP
ajbmeb-617	2	7	diversification	diversification	NOUN
ajbmeb-617	2	8	of	of	ADP
ajbmeb-617	2	9	banking	banking	NOUN
ajbmeb-617	2	10	services	service	NOUN
ajbmeb-617	2	11	in	in	ADP
ajbmeb-617	2	12	the	the	DET
ajbmeb-617	2	13	profitability	profitability	NOUN
ajbmeb-617	2	14	of	of	ADP
ajbmeb-617	2	15	commercial	commercial	ADJ
ajbmeb-617	2	16	banks	bank	NOUN
ajbmeb-617	2	17	:	:	PUNCT
ajbmeb-617	2	18	an	an	DET
ajbmeb-617	2	19	analytical	analytical	ADJ
ajbmeb-617	2	20	study	study	NOUN
ajbmeb-617	2	21	in	in	ADP
ajbmeb-617	2	22	the	the	DET
ajbmeb-617	2	23	iraqi	iraqi	ADJ
ajbmeb-617	2	24	credit	credit	NOUN
ajbmeb-617	2	25	bank	bank	PROPN
ajbmeb-617	2	26	and	and	CCONJ
ajbmeb-617	2	27	the	the	DET
ajbmeb-617	2	28	international	international	PROPN
ajbmeb-617	2	29	development	development	PROPN
ajbmeb-617	2	30	bank	bank	PROPN
ajbmeb-617	2	31	a.	a.	PROPN
ajbmeb-617	2	32	p.	p.	PROPN
ajbmeb-617	2	33	dr	dr	PROPN
ajbmeb-617	2	34	.	.	PROPN
ajbmeb-617	2	35	rahim	rahim	PROPN
ajbmeb-617	2	36	shrad	shrad	PROPN
ajbmeb-617	2	37	amer	amer	PROPN
ajbmeb-617	2	38	al	al	PROPN
ajbmeb-617	2	39	-	-	PUNCT
ajbmeb-617	2	40	taie	taie	PROPN
ajbmeb-617	2	41	al	al	PROPN
ajbmeb-617	2	42	-	-	PUNCT
ajbmeb-617	2	43	mustansiriya	mustansiriya	PROPN
ajbmeb-617	2	44	university	university	PROPN
ajbmeb-617	2	45	/	/	SYM
ajbmeb-617	2	46	college	college	PROPN
ajbmeb-617	2	47	of	of	ADP
ajbmeb-617	2	48	administration	administration	NOUN
ajbmeb-617	2	49	and	and	CCONJ
ajbmeb-617	2	50	economics	economic	NOUN
ajbmeb-617	2	51	baghdad	baghdad	PROPN
ajbmeb-617	2	52	,	,	PUNCT
ajbmeb-617	2	53	iraq	iraq	PROPN
ajbmeb-617	2	54	dr_raheem_sh@uomustansiriyah.edu.iq	dr_raheem_sh@uomustansiriyah.edu.iq	PROPN
ajbmeb-617	2	55	researcher	researcher	NOUN
ajbmeb-617	2	56	:	:	PUNCT
ajbmeb-617	2	57	ibrahim	ibrahim	PROPN
ajbmeb-617	2	58	qais	qais	PROPN
ajbmeb-617	2	59	ibrahim	ibrahim	PROPN
ajbmeb-617	2	60	al	al	PROPN
ajbmeb-617	2	61	-	-	PUNCT
ajbmeb-617	2	62	qaisi	qaisi	PROPN
ajbmeb-617	2	63	al	al	PROPN
ajbmeb-617	2	64	-	-	PUNCT
ajbmeb-617	2	65	mustansiriya	mustansiriya	PROPN
ajbmeb-617	2	66	university	university	PROPN
ajbmeb-617	2	67	/	/	SYM
ajbmeb-617	2	68	college	college	PROPN
ajbmeb-617	2	69	of	of	ADP
ajbmeb-617	2	70	administration	administration	NOUN
ajbmeb-617	2	71	and	and	CCONJ
ajbmeb-617	2	72	economics	economic	NOUN
ajbmeb-617	2	73	baghdad	baghdad	PROPN
ajbmeb-617	2	74	,	,	PUNCT
ajbmeb-617	2	75	iraq	iraq	PROPN
ajbmeb-617	2	76	ibrahemkaesk@uomustansiriyah.edu.iq	ibrahemkaesk@uomustansiriyah.edu.iq	VERB
ajbmeb-617	2	77	a	a	DET
ajbmeb-617	2	78	b	b	PROPN
ajbmeb-617	2	79	s	s	ADP
ajbmeb-617	2	80	t	t	PROPN
ajbmeb-617	2	81	r	r	NOUN
ajbmeb-617	2	82	a	a	DET
ajbmeb-617	2	83	c	c	NOUN
ajbmeb-617	2	84	t	t	NOUN
ajbmeb-617	2	85	k	k	X
ajbmeb-617	2	86	e	e	PROPN
ajbmeb-617	2	87	y	y	PROPN
ajbmeb-617	2	88	w	w	NOUN
ajbmeb-617	2	89	o	o	NOUN
ajbmeb-617	2	90	r	r	NOUN
ajbmeb-617	2	91	d	d	PROPN
ajbmeb-617	2	92	s	s	VERB
ajbmeb-617	2	93	this	this	DET
ajbmeb-617	2	94	study	study	NOUN
ajbmeb-617	2	95	was	be	AUX
ajbmeb-617	2	96	prepared	prepared	ADJ
ajbmeb-617	2	97	to	to	PART
ajbmeb-617	2	98	demonstrate	demonstrate	VERB
ajbmeb-617	2	99	the	the	DET
ajbmeb-617	2	100	role	role	NOUN
ajbmeb-617	2	101	of	of	ADP
ajbmeb-617	2	102	diversification	diversification	NOUN
ajbmeb-617	2	103	of	of	ADP
ajbmeb-617	2	104	banking	banking	NOUN
ajbmeb-617	2	105	services	service	NOUN
ajbmeb-617	2	106	in	in	ADP
ajbmeb-617	2	107	the	the	DET
ajbmeb-617	2	108	profitability	profitability	NOUN
ajbmeb-617	2	109	of	of	ADP
ajbmeb-617	2	110	private	private	ADJ
ajbmeb-617	2	111	iraqi	iraqi	ADJ
ajbmeb-617	2	112	commercial	commercial	ADJ
ajbmeb-617	2	113	banks	bank	NOUN
ajbmeb-617	2	114	.	.	PUNCT
ajbmeb-617	3	1	international	international	ADJ
ajbmeb-617	3	2	development	development	NOUN
ajbmeb-617	3	3	)	)	PUNCT
ajbmeb-617	3	4	,	,	PUNCT
ajbmeb-617	3	5	and	and	CCONJ
ajbmeb-617	3	6	the	the	DET
ajbmeb-617	3	7	research	research	NOUN
ajbmeb-617	3	8	tended	tend	VERB
ajbmeb-617	3	9	to	to	PART
ajbmeb-617	3	10	follow	follow	VERB
ajbmeb-617	3	11	the	the	DET
ajbmeb-617	3	12	inductive	inductive	ADJ
ajbmeb-617	3	13	approach	approach	NOUN
ajbmeb-617	3	14	,	,	PUNCT
ajbmeb-617	3	15	the	the	DET
ajbmeb-617	3	16	descriptive	descriptive	ADJ
ajbmeb-617	3	17	approach	approach	NOUN
ajbmeb-617	3	18	,	,	PUNCT
ajbmeb-617	3	19	and	and	CCONJ
ajbmeb-617	3	20	the	the	DET
ajbmeb-617	3	21	analytical	analytical	ADJ
ajbmeb-617	3	22	approach	approach	NOUN
ajbmeb-617	3	23	by	by	ADP
ajbmeb-617	3	24	studying	study	VERB
ajbmeb-617	3	25	the	the	DET
ajbmeb-617	3	26	theoretical	theoretical	ADJ
ajbmeb-617	3	27	framework	framework	NOUN
ajbmeb-617	3	28	for	for	ADP
ajbmeb-617	3	29	diversifying	diversify	VERB
ajbmeb-617	3	30	banking	banking	NOUN
ajbmeb-617	3	31	services	service	NOUN
ajbmeb-617	3	32	,	,	PUNCT
ajbmeb-617	3	33	indicators	indicator	NOUN
ajbmeb-617	3	34	of	of	ADP
ajbmeb-617	3	35	profitability	profitability	NOUN
ajbmeb-617	3	36	in	in	ADP
ajbmeb-617	3	37	commercial	commercial	ADJ
ajbmeb-617	3	38	banks	bank	NOUN
ajbmeb-617	3	39	,	,	PUNCT
ajbmeb-617	3	40	the	the	DET
ajbmeb-617	3	41	most	most	ADV
ajbmeb-617	3	42	important	important	ADJ
ajbmeb-617	3	43	ratios	ratio	NOUN
ajbmeb-617	3	44	measured	measure	VERB
ajbmeb-617	3	45	,	,	PUNCT
ajbmeb-617	3	46	and	and	CCONJ
ajbmeb-617	3	47	analyzing	analyze	VERB
ajbmeb-617	3	48	the	the	DET
ajbmeb-617	3	49	effects	effect	NOUN
ajbmeb-617	3	50	left	leave	VERB
ajbmeb-617	3	51	by	by	ADP
ajbmeb-617	3	52	the	the	DET
ajbmeb-617	3	53	diversification	diversification	NOUN
ajbmeb-617	3	54	of	of	ADP
ajbmeb-617	3	55	banking	banking	NOUN
ajbmeb-617	3	56	services	service	NOUN
ajbmeb-617	3	57	on	on	ADP
ajbmeb-617	3	58	the	the	DET
ajbmeb-617	3	59	profitability	profitability	NOUN
ajbmeb-617	3	60	of	of	ADP
ajbmeb-617	3	61	iraqi	iraqi	ADJ
ajbmeb-617	3	62	private	private	ADJ
ajbmeb-617	3	63	commercial	commercial	ADJ
ajbmeb-617	3	64	banks	bank	NOUN
ajbmeb-617	3	65	,	,	PUNCT
ajbmeb-617	3	66	the	the	DET
ajbmeb-617	3	67	research	research	NOUN
ajbmeb-617	3	68	sample	sample	NOUN
ajbmeb-617	3	69	,	,	PUNCT
ajbmeb-617	3	70	in	in	ADP
ajbmeb-617	3	71	order	order	NOUN
ajbmeb-617	3	72	to	to	PART
ajbmeb-617	3	73	strive	strive	VERB
ajbmeb-617	3	74	to	to	PART
ajbmeb-617	3	75	achieve	achieve	VERB
ajbmeb-617	3	76	the	the	DET
ajbmeb-617	3	77	goals	goal	NOUN
ajbmeb-617	3	78	set	set	VERB
ajbmeb-617	3	79	by	by	ADP
ajbmeb-617	3	80	him	he	PRON
ajbmeb-617	3	81	and	and	CCONJ
ajbmeb-617	3	82	trying	try	VERB
ajbmeb-617	3	83	to	to	PART
ajbmeb-617	3	84	reach	reach	VERB
ajbmeb-617	3	85	them	they	PRON
ajbmeb-617	3	86	by	by	ADP
ajbmeb-617	3	87	conducting	conduct	VERB
ajbmeb-617	3	88	this	this	DET
ajbmeb-617	3	89	type	type	NOUN
ajbmeb-617	3	90	of	of	ADP
ajbmeb-617	3	91	research	research	NOUN
ajbmeb-617	3	92	.	.	PUNCT
ajbmeb-617	4	1	the	the	DET
ajbmeb-617	4	2	problem	problem	NOUN
ajbmeb-617	4	3	of	of	ADP
ajbmeb-617	4	4	the	the	DET
ajbmeb-617	4	5	study	study	NOUN
ajbmeb-617	4	6	was	be	AUX
ajbmeb-617	4	7	embodied	embody	VERB
ajbmeb-617	4	8	in	in	ADP
ajbmeb-617	4	9	the	the	DET
ajbmeb-617	4	10	role	role	NOUN
ajbmeb-617	4	11	of	of	ADP
ajbmeb-617	4	12	diversifying	diversify	VERB
ajbmeb-617	4	13	banking	banking	NOUN
ajbmeb-617	4	14	services	service	NOUN
ajbmeb-617	4	15	in	in	ADP
ajbmeb-617	4	16	the	the	DET
ajbmeb-617	4	17	profitability	profitability	NOUN
ajbmeb-617	4	18	of	of	ADP
ajbmeb-617	4	19	iraqi	iraqi	ADJ
ajbmeb-617	4	20	private	private	ADJ
ajbmeb-617	4	21	commercial	commercial	ADJ
ajbmeb-617	4	22	banks	bank	NOUN
ajbmeb-617	4	23	.	.	PUNCT
ajbmeb-617	5	1	the	the	DET
ajbmeb-617	5	2	research	research	NOUN
ajbmeb-617	5	3	also	also	ADV
ajbmeb-617	5	4	reached	reach	VERB
ajbmeb-617	5	5	a	a	DET
ajbmeb-617	5	6	set	set	NOUN
ajbmeb-617	5	7	of	of	ADP
ajbmeb-617	5	8	conclusions	conclusion	NOUN
ajbmeb-617	5	9	,	,	PUNCT
ajbmeb-617	5	10	the	the	DET
ajbmeb-617	5	11	most	most	ADV
ajbmeb-617	5	12	important	important	ADJ
ajbmeb-617	5	13	of	of	ADP
ajbmeb-617	5	14	which	which	PRON
ajbmeb-617	5	15	are	be	AUX
ajbmeb-617	5	16	:	:	PUNCT
ajbmeb-617	5	17	the	the	PRON
ajbmeb-617	5	18	higher	high	ADJ
ajbmeb-617	5	19	the	the	DET
ajbmeb-617	5	20	level	level	NOUN
ajbmeb-617	5	21	of	of	ADP
ajbmeb-617	5	22	diversification	diversification	NOUN
ajbmeb-617	5	23	of	of	ADP
ajbmeb-617	5	24	banks	bank	NOUN
ajbmeb-617	5	25	in	in	ADP
ajbmeb-617	5	26	the	the	DET
ajbmeb-617	5	27	services	service	NOUN
ajbmeb-617	5	28	they	they	PRON
ajbmeb-617	5	29	provide	provide	VERB
ajbmeb-617	5	30	to	to	ADP
ajbmeb-617	5	31	their	their	PRON
ajbmeb-617	5	32	customers	customer	NOUN
ajbmeb-617	5	33	,	,	PUNCT
ajbmeb-617	5	34	the	the	PRON
ajbmeb-617	5	35	higher	high	ADJ
ajbmeb-617	5	36	the	the	DET
ajbmeb-617	5	37	net	net	ADJ
ajbmeb-617	5	38	profit	profit	NOUN
ajbmeb-617	5	39	and	and	CCONJ
ajbmeb-617	5	40	the	the	DET
ajbmeb-617	5	41	rest	rest	NOUN
ajbmeb-617	5	42	of	of	ADP
ajbmeb-617	5	43	the	the	DET
ajbmeb-617	5	44	profitability	profitability	NOUN
ajbmeb-617	5	45	indicators	indicator	NOUN
ajbmeb-617	5	46	,	,	PUNCT
ajbmeb-617	5	47	and	and	CCONJ
ajbmeb-617	5	48	this	this	PRON
ajbmeb-617	5	49	was	be	AUX
ajbmeb-617	5	50	evident	evident	ADJ
ajbmeb-617	5	51	in	in	ADP
ajbmeb-617	5	52	the	the	DET
ajbmeb-617	5	53	study	study	NOUN
ajbmeb-617	5	54	sample	sample	NOUN
ajbmeb-617	5	55	banks	bank	NOUN
ajbmeb-617	5	56	.	.	PUNCT
ajbmeb-617	6	1	also	also	ADV
ajbmeb-617	6	2	,	,	PUNCT
ajbmeb-617	6	3	the	the	DET
ajbmeb-617	6	4	high	high	ADJ
ajbmeb-617	6	5	levels	level	NOUN
ajbmeb-617	6	6	of	of	ADP
ajbmeb-617	6	7	diversification	diversification	NOUN
ajbmeb-617	6	8	in	in	ADP
ajbmeb-617	6	9	banking	banking	NOUN
ajbmeb-617	6	10	services	service	NOUN
ajbmeb-617	6	11	require	require	VERB
ajbmeb-617	6	12	a	a	DET
ajbmeb-617	6	13	large	large	ADJ
ajbmeb-617	6	14	financial	financial	ADJ
ajbmeb-617	6	15	capacity	capacity	NOUN
ajbmeb-617	6	16	,	,	PUNCT
ajbmeb-617	6	17	due	due	ADP
ajbmeb-617	6	18	to	to	ADP
ajbmeb-617	6	19	the	the	DET
ajbmeb-617	6	20	high	high	ADJ
ajbmeb-617	6	21	cost	cost	NOUN
ajbmeb-617	6	22	of	of	ADP
ajbmeb-617	6	23	producing	produce	VERB
ajbmeb-617	6	24	new	new	ADJ
ajbmeb-617	6	25	services	service	NOUN
ajbmeb-617	6	26	,	,	PUNCT
ajbmeb-617	6	27	in	in	ADP
ajbmeb-617	6	28	addition	addition	NOUN
ajbmeb-617	6	29	to	to	ADP
ajbmeb-617	6	30	its	its	PRON
ajbmeb-617	6	31	ability	ability	NOUN
ajbmeb-617	6	32	to	to	PART
ajbmeb-617	6	33	maintain	maintain	VERB
ajbmeb-617	6	34	its	its	PRON
ajbmeb-617	6	35	current	current	ADJ
ajbmeb-617	6	36	business	business	NOUN
ajbmeb-617	6	37	.	.	PUNCT
ajbmeb-617	7	1	the	the	DET
ajbmeb-617	7	2	research	research	NOUN
ajbmeb-617	7	3	also	also	ADV
ajbmeb-617	7	4	presented	present	VERB
ajbmeb-617	7	5	a	a	DET
ajbmeb-617	7	6	set	set	NOUN
ajbmeb-617	7	7	of	of	ADP
ajbmeb-617	7	8	recommendations	recommendation	NOUN
ajbmeb-617	7	9	,	,	PUNCT
ajbmeb-617	7	10	the	the	DET
ajbmeb-617	7	11	most	most	ADV
ajbmeb-617	7	12	important	important	ADJ
ajbmeb-617	7	13	of	of	ADP
ajbmeb-617	7	14	which	which	PRON
ajbmeb-617	7	15	are	be	AUX
ajbmeb-617	7	16	:	:	PUNCT
ajbmeb-617	7	17	the	the	DET
ajbmeb-617	7	18	need	need	NOUN
ajbmeb-617	7	19	for	for	SCONJ
ajbmeb-617	7	20	banks	bank	NOUN
ajbmeb-617	7	21	to	to	PART
ajbmeb-617	7	22	raise	raise	VERB
ajbmeb-617	7	23	the	the	DET
ajbmeb-617	7	24	level	level	NOUN
ajbmeb-617	7	25	of	of	ADP
ajbmeb-617	7	26	their	their	PRON
ajbmeb-617	7	27	diversification	diversification	NOUN
ajbmeb-617	7	28	in	in	ADP
ajbmeb-617	7	29	banking	banking	NOUN
ajbmeb-617	7	30	services	service	NOUN
ajbmeb-617	7	31	,	,	PUNCT
ajbmeb-617	7	32	because	because	SCONJ
ajbmeb-617	7	33	of	of	ADP
ajbmeb-617	7	34	this	this	DET
ajbmeb-617	7	35	important	important	ADJ
ajbmeb-617	7	36	role	role	NOUN
ajbmeb-617	7	37	in	in	ADP
ajbmeb-617	7	38	the	the	DET
ajbmeb-617	7	39	profitability	profitability	NOUN
ajbmeb-617	7	40	of	of	ADP
ajbmeb-617	7	41	commercial	commercial	ADJ
ajbmeb-617	7	42	banks	bank	NOUN
ajbmeb-617	7	43	,	,	PUNCT
ajbmeb-617	7	44	as	as	SCONJ
ajbmeb-617	7	45	diversification	diversification	NOUN
ajbmeb-617	7	46	contributed	contribute	VERB
ajbmeb-617	7	47	to	to	ADP
ajbmeb-617	7	48	the	the	DET
ajbmeb-617	7	49	entry	entry	NOUN
ajbmeb-617	7	50	of	of	ADP
ajbmeb-617	7	51	banks	bank	NOUN
ajbmeb-617	7	52	into	into	ADP
ajbmeb-617	7	53	some	some	DET
ajbmeb-617	7	54	areas	area	NOUN
ajbmeb-617	7	55	of	of	ADP
ajbmeb-617	7	56	new	new	ADJ
ajbmeb-617	7	57	business	business	NOUN
ajbmeb-617	7	58	and	and	CCONJ
ajbmeb-617	7	59	thus	thus	ADV
ajbmeb-617	7	60	increase	increase	VERB
ajbmeb-617	7	61	their	their	PRON
ajbmeb-617	7	62	ability	ability	NOUN
ajbmeb-617	7	63	to	to	PART
ajbmeb-617	7	64	compete	compete	VERB
ajbmeb-617	7	65	and	and	CCONJ
ajbmeb-617	7	66	improve	improve	VERB
ajbmeb-617	7	67	profitability	profitability	NOUN
ajbmeb-617	7	68	.	.	PUNCT
ajbmeb-617	8	1	diversification	diversification	NOUN
ajbmeb-617	8	2	of	of	ADP
ajbmeb-617	8	3	banking	banking	NOUN
ajbmeb-617	8	4	services	service	NOUN
ajbmeb-617	8	5	,	,	PUNCT
ajbmeb-617	8	6	the	the	DET
ajbmeb-617	8	7	profitability	profitability	NOUN
ajbmeb-617	8	8	of	of	ADP
ajbmeb-617	8	9	commercial	commercial	ADJ
ajbmeb-617	8	10	banks	bank	NOUN
ajbmeb-617	8	11	.	.	PUNCT
ajbmeb-617	9	1	american	american	PROPN
ajbmeb-617	9	2	journal	journal	PROPN
ajbmeb-617	9	3	of	of	ADP
ajbmeb-617	9	4	business	business	NOUN
ajbmeb-617	9	5	management	management	NOUN
ajbmeb-617	9	6	,	,	PUNCT
ajbmeb-617	9	7	economics	economic	NOUN
ajbmeb-617	9	8	and	and	CCONJ
ajbmeb-617	9	9	banking	banking	NOUN
ajbmeb-617	9	10	volume	volume	NOUN
ajbmeb-617	9	11	10	10	NUM
ajbmeb-617	9	12	march	march	NOUN
ajbmeb-617	9	13	,	,	PUNCT
ajbmeb-617	9	14	2023	2023	NUM
ajbmeb-617	9	15	p	p	NOUN
ajbmeb-617	9	16	a	a	DET
ajbmeb-617	9	17	g	g	NOUN
ajbmeb-617	9	18	e	e	NOUN
ajbmeb-617	9	19	|	|	ADV
ajbmeb-617	9	20	160	160	NUM
ajbmeb-617	9	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	9	22	introduction	introduction	NOUN
ajbmeb-617	9	23	many	many	ADJ
ajbmeb-617	9	24	of	of	ADP
ajbmeb-617	9	25	the	the	DET
ajbmeb-617	9	26	current	current	ADJ
ajbmeb-617	9	27	organizations	organization	NOUN
ajbmeb-617	9	28	in	in	ADP
ajbmeb-617	9	29	the	the	DET
ajbmeb-617	9	30	world	world	NOUN
ajbmeb-617	9	31	consider	consider	VERB
ajbmeb-617	9	32	that	that	SCONJ
ajbmeb-617	9	33	they	they	PRON
ajbmeb-617	9	34	are	be	AUX
ajbmeb-617	9	35	moving	move	VERB
ajbmeb-617	9	36	towards	towards	ADP
ajbmeb-617	9	37	expanding	expand	VERB
ajbmeb-617	9	38	and	and	CCONJ
ajbmeb-617	9	39	improving	improve	VERB
ajbmeb-617	9	40	their	their	PRON
ajbmeb-617	9	41	business	business	NOUN
ajbmeb-617	9	42	environment	environment	NOUN
ajbmeb-617	9	43	.	.	PUNCT
ajbmeb-617	10	1	one	one	NUM
ajbmeb-617	10	2	of	of	ADP
ajbmeb-617	10	3	the	the	DET
ajbmeb-617	10	4	reasons	reason	NOUN
ajbmeb-617	10	5	may	may	AUX
ajbmeb-617	10	6	be	be	AUX
ajbmeb-617	10	7	meeting	meet	VERB
ajbmeb-617	10	8	the	the	DET
ajbmeb-617	10	9	multiple	multiple	ADJ
ajbmeb-617	10	10	needs	need	NOUN
ajbmeb-617	10	11	of	of	ADP
ajbmeb-617	10	12	customers	customer	NOUN
ajbmeb-617	10	13	,	,	PUNCT
ajbmeb-617	10	14	which	which	PRON
ajbmeb-617	10	15	has	have	VERB
ajbmeb-617	10	16	a	a	DET
ajbmeb-617	10	17	role	role	NOUN
ajbmeb-617	10	18	in	in	ADP
ajbmeb-617	10	19	their	their	PRON
ajbmeb-617	10	20	profitability	profitability	NOUN
ajbmeb-617	10	21	.	.	PUNCT
ajbmeb-617	11	1	therefore	therefore	ADV
ajbmeb-617	11	2	,	,	PUNCT
ajbmeb-617	11	3	the	the	DET
ajbmeb-617	11	4	world	world	NOUN
ajbmeb-617	11	5	of	of	ADP
ajbmeb-617	11	6	banking	banking	NOUN
ajbmeb-617	11	7	business	business	NOUN
ajbmeb-617	11	8	has	have	AUX
ajbmeb-617	11	9	known	know	VERB
ajbmeb-617	11	10	a	a	DET
ajbmeb-617	11	11	scientific	scientific	ADJ
ajbmeb-617	11	12	shift	shift	NOUN
ajbmeb-617	11	13	from	from	ADP
ajbmeb-617	11	14	the	the	DET
ajbmeb-617	11	15	dimensions	dimension	NOUN
ajbmeb-617	11	16	and	and	CCONJ
ajbmeb-617	11	17	objectives	objective	NOUN
ajbmeb-617	11	18	of	of	ADP
ajbmeb-617	11	19	banks	bank	NOUN
ajbmeb-617	11	20	’	'	PUNCT
ajbmeb-617	11	21	strategies	strategy	NOUN
ajbmeb-617	11	22	in	in	ADP
ajbmeb-617	11	23	the	the	DET
ajbmeb-617	11	24	last	last	ADJ
ajbmeb-617	11	25	few	few	ADJ
ajbmeb-617	11	26	decades	decade	NOUN
ajbmeb-617	11	27	,	,	PUNCT
ajbmeb-617	11	28	and	and	CCONJ
ajbmeb-617	11	29	this	this	PRON
ajbmeb-617	11	30	was	be	AUX
ajbmeb-617	11	31	a	a	DET
ajbmeb-617	11	32	logical	logical	ADJ
ajbmeb-617	11	33	result	result	NOUN
ajbmeb-617	11	34	of	of	ADP
ajbmeb-617	11	35	the	the	DET
ajbmeb-617	11	36	new	new	ADJ
ajbmeb-617	11	37	technology	technology	NOUN
ajbmeb-617	11	38	revolution	revolution	NOUN
ajbmeb-617	11	39	in	in	ADP
ajbmeb-617	11	40	information	information	NOUN
ajbmeb-617	11	41	and	and	CCONJ
ajbmeb-617	11	42	communications	communication	NOUN
ajbmeb-617	11	43	,	,	PUNCT
ajbmeb-617	11	44	the	the	DET
ajbmeb-617	11	45	globalization	globalization	NOUN
ajbmeb-617	11	46	of	of	ADP
ajbmeb-617	11	47	financial	financial	ADJ
ajbmeb-617	11	48	and	and	CCONJ
ajbmeb-617	11	49	banking	banking	NOUN
ajbmeb-617	11	50	markets	market	NOUN
ajbmeb-617	11	51	,	,	PUNCT
ajbmeb-617	11	52	and	and	CCONJ
ajbmeb-617	11	53	the	the	DET
ajbmeb-617	11	54	emergence	emergence	NOUN
ajbmeb-617	11	55	of	of	ADP
ajbmeb-617	11	56	new	new	ADJ
ajbmeb-617	11	57	types	type	NOUN
ajbmeb-617	11	58	of	of	ADP
ajbmeb-617	11	59	banking	banking	NOUN
ajbmeb-617	11	60	services	service	NOUN
ajbmeb-617	11	61	provided	provide	VERB
ajbmeb-617	11	62	by	by	ADP
ajbmeb-617	11	63	commercial	commercial	ADJ
ajbmeb-617	11	64	banks	bank	NOUN
ajbmeb-617	11	65	,	,	PUNCT
ajbmeb-617	11	66	and	and	CCONJ
ajbmeb-617	11	67	perhaps	perhaps	ADV
ajbmeb-617	11	68	this	this	PRON
ajbmeb-617	11	69	is	be	AUX
ajbmeb-617	11	70	what	what	PRON
ajbmeb-617	11	71	led	lead	VERB
ajbmeb-617	11	72	to	to	ADP
ajbmeb-617	11	73	banking	banking	NOUN
ajbmeb-617	11	74	institutions	institution	NOUN
ajbmeb-617	11	75	in	in	ADP
ajbmeb-617	11	76	particular	particular	ADJ
ajbmeb-617	11	77	finance	finance	NOUN
ajbmeb-617	11	78	,	,	PUNCT
ajbmeb-617	11	79	in	in	ADP
ajbmeb-617	11	80	general	general	ADJ
ajbmeb-617	11	81	,	,	PUNCT
ajbmeb-617	11	82	tends	tend	VERB
ajbmeb-617	11	83	to	to	PART
ajbmeb-617	11	84	diversify	diversify	VERB
ajbmeb-617	11	85	the	the	DET
ajbmeb-617	11	86	banking	banking	NOUN
ajbmeb-617	11	87	services	service	NOUN
ajbmeb-617	11	88	it	it	PRON
ajbmeb-617	11	89	provides	provide	VERB
ajbmeb-617	11	90	to	to	ADP
ajbmeb-617	11	91	its	its	PRON
ajbmeb-617	11	92	customers	customer	NOUN
ajbmeb-617	11	93	.	.	PUNCT
ajbmeb-617	12	1	this	this	PRON
ajbmeb-617	12	2	is	be	AUX
ajbmeb-617	12	3	why	why	SCONJ
ajbmeb-617	12	4	many	many	ADJ
ajbmeb-617	12	5	organizations	organization	NOUN
ajbmeb-617	12	6	decide	decide	VERB
ajbmeb-617	12	7	to	to	PART
ajbmeb-617	12	8	follow	follow	VERB
ajbmeb-617	12	9	the	the	DET
ajbmeb-617	12	10	diversification	diversification	NOUN
ajbmeb-617	12	11	strategy	strategy	NOUN
ajbmeb-617	12	12	.	.	PUNCT
ajbmeb-617	13	1	increasing	increase	VERB
ajbmeb-617	13	2	productivity	productivity	NOUN
ajbmeb-617	13	3	and	and	CCONJ
ajbmeb-617	13	4	using	use	VERB
ajbmeb-617	13	5	factors	factor	NOUN
ajbmeb-617	13	6	of	of	ADP
ajbmeb-617	13	7	production	production	NOUN
ajbmeb-617	13	8	effectively	effectively	ADV
ajbmeb-617	13	9	has	have	AUX
ajbmeb-617	13	10	always	always	ADV
ajbmeb-617	13	11	been	be	AUX
ajbmeb-617	13	12	crucial	crucial	ADJ
ajbmeb-617	13	13	and	and	CCONJ
ajbmeb-617	13	14	important	important	ADJ
ajbmeb-617	13	15	discussion	discussion	NOUN
ajbmeb-617	13	16	topics	topic	NOUN
ajbmeb-617	13	17	for	for	ADP
ajbmeb-617	13	18	economists	economist	NOUN
ajbmeb-617	13	19	,	,	PUNCT
ajbmeb-617	13	20	so	so	SCONJ
ajbmeb-617	13	21	economists	economist	NOUN
ajbmeb-617	13	22	are	be	AUX
ajbmeb-617	13	23	generally	generally	ADV
ajbmeb-617	13	24	divided	divide	VERB
ajbmeb-617	13	25	into	into	ADP
ajbmeb-617	13	26	two	two	NUM
ajbmeb-617	13	27	groups	group	NOUN
ajbmeb-617	13	28	:	:	PUNCT
ajbmeb-617	13	29	one	one	NUM
ajbmeb-617	13	30	proposing	propose	VERB
ajbmeb-617	13	31	specialization	specialization	NOUN
ajbmeb-617	13	32	,	,	PUNCT
ajbmeb-617	13	33	the	the	DET
ajbmeb-617	13	34	other	other	ADJ
ajbmeb-617	13	35	proposing	propose	VERB
ajbmeb-617	13	36	diversification	diversification	NOUN
ajbmeb-617	13	37	.	.	PUNCT
ajbmeb-617	14	1	therefore	therefore	ADV
ajbmeb-617	14	2	,	,	PUNCT
ajbmeb-617	14	3	the	the	DET
ajbmeb-617	14	4	banks	bank	NOUN
ajbmeb-617	14	5	worked	work	VERB
ajbmeb-617	14	6	within	within	ADP
ajbmeb-617	14	7	the	the	DET
ajbmeb-617	14	8	framework	framework	NOUN
ajbmeb-617	14	9	of	of	ADP
ajbmeb-617	14	10	the	the	DET
ajbmeb-617	14	11	policy	policy	NOUN
ajbmeb-617	14	12	of	of	ADP
ajbmeb-617	14	13	bringing	bring	VERB
ajbmeb-617	14	14	the	the	DET
ajbmeb-617	14	15	service	service	NOUN
ajbmeb-617	14	16	closer	close	ADV
ajbmeb-617	14	17	to	to	ADP
ajbmeb-617	14	18	the	the	DET
ajbmeb-617	14	19	customer	customer	NOUN
ajbmeb-617	14	20	to	to	PART
ajbmeb-617	14	21	diversify	diversify	VERB
ajbmeb-617	14	22	the	the	DET
ajbmeb-617	14	23	various	various	ADJ
ajbmeb-617	14	24	banking	banking	NOUN
ajbmeb-617	14	25	services	service	NOUN
ajbmeb-617	14	26	that	that	PRON
ajbmeb-617	14	27	are	be	AUX
ajbmeb-617	14	28	provided	provide	VERB
ajbmeb-617	14	29	to	to	ADP
ajbmeb-617	14	30	their	their	PRON
ajbmeb-617	14	31	customers	customer	NOUN
ajbmeb-617	14	32	,	,	PUNCT
ajbmeb-617	14	33	such	such	ADJ
ajbmeb-617	14	34	as	as	ADP
ajbmeb-617	14	35	electronic	electronic	ADJ
ajbmeb-617	14	36	technologies	technology	NOUN
ajbmeb-617	14	37	,	,	PUNCT
ajbmeb-617	14	38	and	and	CCONJ
ajbmeb-617	14	39	adapting	adapt	VERB
ajbmeb-617	14	40	to	to	ADP
ajbmeb-617	14	41	the	the	DET
ajbmeb-617	14	42	digital	digital	ADJ
ajbmeb-617	14	43	economy	economy	NOUN
ajbmeb-617	14	44	that	that	PRON
ajbmeb-617	14	45	operates	operate	VERB
ajbmeb-617	14	46	in	in	ADP
ajbmeb-617	14	47	an	an	DET
ajbmeb-617	14	48	electronic	electronic	ADJ
ajbmeb-617	14	49	environment	environment	NOUN
ajbmeb-617	14	50	.	.	PUNCT
ajbmeb-617	15	1	therefore	therefore	ADV
ajbmeb-617	15	2	,	,	PUNCT
ajbmeb-617	15	3	it	it	PRON
ajbmeb-617	15	4	has	have	AUX
ajbmeb-617	15	5	become	become	VERB
ajbmeb-617	15	6	a	a	DET
ajbmeb-617	15	7	duty	duty	NOUN
ajbmeb-617	15	8	for	for	SCONJ
ajbmeb-617	15	9	these	these	DET
ajbmeb-617	15	10	banks	bank	NOUN
ajbmeb-617	15	11	to	to	PART
ajbmeb-617	15	12	go	go	VERB
ajbmeb-617	15	13	hand	hand	NOUN
ajbmeb-617	15	14	in	in	ADP
ajbmeb-617	15	15	hand	hand	NOUN
ajbmeb-617	15	16	with	with	ADP
ajbmeb-617	15	17	technological	technological	ADJ
ajbmeb-617	15	18	progress	progress	NOUN
ajbmeb-617	15	19	and	and	CCONJ
ajbmeb-617	15	20	acceleration	acceleration	NOUN
ajbmeb-617	15	21	in	in	ADP
ajbmeb-617	15	22	order	order	NOUN
ajbmeb-617	15	23	to	to	PART
ajbmeb-617	15	24	develop	develop	VERB
ajbmeb-617	15	25	their	their	PRON
ajbmeb-617	15	26	performance	performance	NOUN
ajbmeb-617	15	27	.	.	PUNCT
ajbmeb-617	16	1	and	and	CCONJ
ajbmeb-617	16	2	its	its	PRON
ajbmeb-617	16	3	business	business	NOUN
ajbmeb-617	16	4	and	and	CCONJ
ajbmeb-617	16	5	maintaining	maintain	VERB
ajbmeb-617	16	6	its	its	PRON
ajbmeb-617	16	7	ability	ability	NOUN
ajbmeb-617	16	8	in	in	ADP
ajbmeb-617	16	9	the	the	DET
ajbmeb-617	16	10	global	global	ADJ
ajbmeb-617	16	11	markets	market	NOUN
ajbmeb-617	16	12	,	,	PUNCT
ajbmeb-617	16	13	the	the	DET
ajbmeb-617	16	14	individual	individual	NOUN
ajbmeb-617	16	15	can	can	AUX
ajbmeb-617	16	16	carry	carry	VERB
ajbmeb-617	16	17	out	out	ADP
ajbmeb-617	16	18	many	many	ADJ
ajbmeb-617	16	19	banking	banking	NOUN
ajbmeb-617	16	20	operations	operation	NOUN
ajbmeb-617	16	21	and	and	CCONJ
ajbmeb-617	16	22	manage	manage	VERB
ajbmeb-617	16	23	his	his	PRON
ajbmeb-617	16	24	account	account	NOUN
ajbmeb-617	16	25	with	with	ADP
ajbmeb-617	16	26	ease	ease	NOUN
ajbmeb-617	16	27	thanks	thank	NOUN
ajbmeb-617	16	28	to	to	ADP
ajbmeb-617	16	29	the	the	DET
ajbmeb-617	16	30	development	development	NOUN
ajbmeb-617	16	31	and	and	CCONJ
ajbmeb-617	16	32	diversification	diversification	NOUN
ajbmeb-617	16	33	of	of	ADP
ajbmeb-617	16	34	banking	banking	NOUN
ajbmeb-617	16	35	services	service	NOUN
ajbmeb-617	16	36	provided	provide	VERB
ajbmeb-617	16	37	by	by	ADP
ajbmeb-617	16	38	banks	bank	NOUN
ajbmeb-617	16	39	to	to	ADP
ajbmeb-617	16	40	their	their	PRON
ajbmeb-617	16	41	customers	customer	NOUN
ajbmeb-617	16	42	.	.	PUNCT
ajbmeb-617	17	1	the	the	DET
ajbmeb-617	17	2	first	first	ADJ
ajbmeb-617	17	3	section	section	NOUN
ajbmeb-617	17	4	:	:	PUNCT
ajbmeb-617	17	5	research	research	NOUN
ajbmeb-617	17	6	methodology	methodology	NOUN
ajbmeb-617	17	7	first	first	ADV
ajbmeb-617	17	8	:	:	PUNCT
ajbmeb-617	17	9	the	the	DET
ajbmeb-617	17	10	research	research	NOUN
ajbmeb-617	17	11	problem	problem	NOUN
ajbmeb-617	17	12	in	in	ADP
ajbmeb-617	17	13	view	view	NOUN
ajbmeb-617	17	14	of	of	ADP
ajbmeb-617	17	15	the	the	DET
ajbmeb-617	17	16	competitive	competitive	ADJ
ajbmeb-617	17	17	environment	environment	NOUN
ajbmeb-617	17	18	experienced	experience	VERB
ajbmeb-617	17	19	by	by	ADP
ajbmeb-617	17	20	banks	bank	NOUN
ajbmeb-617	17	21	in	in	ADP
ajbmeb-617	17	22	iraq	iraq	PROPN
ajbmeb-617	17	23	and	and	CCONJ
ajbmeb-617	17	24	their	their	PRON
ajbmeb-617	17	25	continuous	continuous	ADJ
ajbmeb-617	17	26	efforts	effort	NOUN
ajbmeb-617	17	27	towards	towards	ADP
ajbmeb-617	17	28	improving	improve	VERB
ajbmeb-617	17	29	banking	banking	NOUN
ajbmeb-617	17	30	profitability	profitability	NOUN
ajbmeb-617	17	31	and	and	CCONJ
ajbmeb-617	17	32	keeping	keep	VERB
ajbmeb-617	17	33	pace	pace	NOUN
ajbmeb-617	17	34	with	with	ADP
ajbmeb-617	17	35	global	global	ADJ
ajbmeb-617	17	36	developments	development	NOUN
ajbmeb-617	17	37	in	in	ADP
ajbmeb-617	17	38	this	this	DET
ajbmeb-617	17	39	field	field	NOUN
ajbmeb-617	17	40	,	,	PUNCT
ajbmeb-617	17	41	this	this	PRON
ajbmeb-617	17	42	calls	call	VERB
ajbmeb-617	17	43	for	for	ADP
ajbmeb-617	17	44	research	research	NOUN
ajbmeb-617	17	45	and	and	CCONJ
ajbmeb-617	17	46	study	study	NOUN
ajbmeb-617	17	47	in	in	ADP
ajbmeb-617	17	48	the	the	DET
ajbmeb-617	17	49	reality	reality	NOUN
ajbmeb-617	17	50	of	of	ADP
ajbmeb-617	17	51	keeping	keep	VERB
ajbmeb-617	17	52	pace	pace	NOUN
ajbmeb-617	17	53	with	with	ADP
ajbmeb-617	17	54	private	private	ADJ
ajbmeb-617	17	55	commercial	commercial	ADJ
ajbmeb-617	17	56	banks	bank	NOUN
ajbmeb-617	17	57	in	in	ADP
ajbmeb-617	17	58	iraq	iraq	PROPN
ajbmeb-617	17	59	with	with	ADP
ajbmeb-617	17	60	global	global	ADJ
ajbmeb-617	17	61	banking	banking	NOUN
ajbmeb-617	17	62	developments	development	NOUN
ajbmeb-617	17	63	that	that	PRON
ajbmeb-617	17	64	leave	leave	VERB
ajbmeb-617	17	65	positive	positive	ADJ
ajbmeb-617	17	66	effects	effect	NOUN
ajbmeb-617	17	67	on	on	ADP
ajbmeb-617	17	68	banking	banking	NOUN
ajbmeb-617	17	69	profitability	profitability	NOUN
ajbmeb-617	17	70	,	,	PUNCT
ajbmeb-617	17	71	and	and	CCONJ
ajbmeb-617	17	72	among	among	ADP
ajbmeb-617	17	73	these	these	DET
ajbmeb-617	17	74	developments	development	NOUN
ajbmeb-617	17	75	is	be	AUX
ajbmeb-617	17	76	the	the	DET
ajbmeb-617	17	77	diversification	diversification	NOUN
ajbmeb-617	17	78	of	of	ADP
ajbmeb-617	17	79	services	service	NOUN
ajbmeb-617	17	80	banking	banking	NOUN
ajbmeb-617	17	81	.	.	PUNCT
ajbmeb-617	18	1	through	through	ADP
ajbmeb-617	18	2	the	the	DET
ajbmeb-617	18	3	foregoing	foregoing	NOUN
ajbmeb-617	18	4	,	,	PUNCT
ajbmeb-617	18	5	the	the	DET
ajbmeb-617	18	6	problem	problem	NOUN
ajbmeb-617	18	7	that	that	PRON
ajbmeb-617	18	8	can	can	AUX
ajbmeb-617	18	9	be	be	AUX
ajbmeb-617	18	10	answered	answer	VERB
ajbmeb-617	18	11	through	through	ADP
ajbmeb-617	18	12	the	the	DET
ajbmeb-617	18	13	study	study	NOUN
ajbmeb-617	18	14	can	can	AUX
ajbmeb-617	18	15	be	be	AUX
ajbmeb-617	18	16	formulated	formulate	VERB
ajbmeb-617	18	17	in	in	ADP
ajbmeb-617	18	18	the	the	DET
ajbmeb-617	18	19	following	follow	VERB
ajbmeb-617	18	20	question	question	NOUN
ajbmeb-617	18	21	:	:	PUNCT
ajbmeb-617	18	22	what	what	PRON
ajbmeb-617	18	23	is	be	AUX
ajbmeb-617	18	24	the	the	DET
ajbmeb-617	18	25	role	role	NOUN
ajbmeb-617	18	26	of	of	ADP
ajbmeb-617	18	27	diversifying	diversify	VERB
ajbmeb-617	18	28	banking	banking	NOUN
ajbmeb-617	18	29	services	service	NOUN
ajbmeb-617	18	30	in	in	ADP
ajbmeb-617	18	31	the	the	DET
ajbmeb-617	18	32	profitability	profitability	NOUN
ajbmeb-617	18	33	of	of	ADP
ajbmeb-617	18	34	iraqi	iraqi	ADJ
ajbmeb-617	18	35	private	private	ADJ
ajbmeb-617	18	36	commercial	commercial	ADJ
ajbmeb-617	18	37	banks	bank	NOUN
ajbmeb-617	18	38	?	?	PUNCT
ajbmeb-617	19	1	second	second	ADV
ajbmeb-617	19	2	:	:	PUNCT
ajbmeb-617	19	3	the	the	DET
ajbmeb-617	19	4	importance	importance	NOUN
ajbmeb-617	19	5	of	of	ADP
ajbmeb-617	19	6	research	research	NOUN
ajbmeb-617	19	7	the	the	DET
ajbmeb-617	19	8	banking	banking	NOUN
ajbmeb-617	19	9	sector	sector	NOUN
ajbmeb-617	19	10	is	be	AUX
ajbmeb-617	19	11	considered	consider	VERB
ajbmeb-617	19	12	the	the	DET
ajbmeb-617	19	13	lifeblood	lifeblood	NOUN
ajbmeb-617	19	14	of	of	ADP
ajbmeb-617	19	15	the	the	DET
ajbmeb-617	19	16	economy	economy	NOUN
ajbmeb-617	19	17	of	of	ADP
ajbmeb-617	19	18	any	any	DET
ajbmeb-617	19	19	country	country	NOUN
ajbmeb-617	19	20	,	,	PUNCT
ajbmeb-617	19	21	so	so	ADV
ajbmeb-617	19	22	the	the	DET
ajbmeb-617	19	23	importance	importance	NOUN
ajbmeb-617	19	24	of	of	ADP
ajbmeb-617	19	25	this	this	DET
ajbmeb-617	19	26	topic	topic	NOUN
ajbmeb-617	19	27	lies	lie	VERB
ajbmeb-617	19	28	in	in	ADP
ajbmeb-617	19	29	understanding	understand	VERB
ajbmeb-617	19	30	the	the	DET
ajbmeb-617	19	31	role	role	NOUN
ajbmeb-617	19	32	of	of	ADP
ajbmeb-617	19	33	diversifying	diversify	VERB
ajbmeb-617	19	34	banking	banking	NOUN
ajbmeb-617	19	35	services	service	NOUN
ajbmeb-617	19	36	in	in	ADP
ajbmeb-617	19	37	the	the	DET
ajbmeb-617	19	38	profitability	profitability	NOUN
ajbmeb-617	19	39	of	of	ADP
ajbmeb-617	19	40	iraqi	iraqi	ADJ
ajbmeb-617	19	41	private	private	ADJ
ajbmeb-617	19	42	commercial	commercial	ADJ
ajbmeb-617	19	43	banks	bank	NOUN
ajbmeb-617	19	44	from	from	ADP
ajbmeb-617	19	45	studies	study	NOUN
ajbmeb-617	19	46	that	that	PRON
ajbmeb-617	19	47	have	have	VERB
ajbmeb-617	19	48	significance	significance	NOUN
ajbmeb-617	19	49	in	in	ADP
ajbmeb-617	19	50	the	the	DET
ajbmeb-617	19	51	iraqi	iraqi	ADJ
ajbmeb-617	19	52	economy	economy	NOUN
ajbmeb-617	19	53	,	,	PUNCT
ajbmeb-617	19	54	and	and	CCONJ
ajbmeb-617	19	55	that	that	SCONJ
ajbmeb-617	19	56	diversification	diversification	NOUN
ajbmeb-617	19	57	in	in	ADP
ajbmeb-617	19	58	banking	banking	NOUN
ajbmeb-617	19	59	services	service	NOUN
ajbmeb-617	19	60	and	and	CCONJ
ajbmeb-617	19	61	reviewing	review	VERB
ajbmeb-617	19	62	its	its	PRON
ajbmeb-617	19	63	banking	banking	NOUN
ajbmeb-617	19	64	and	and	CCONJ
ajbmeb-617	19	65	financial	financial	ADJ
ajbmeb-617	19	66	activities	activity	NOUN
ajbmeb-617	19	67	and	and	CCONJ
ajbmeb-617	19	68	effectiveness	effectiveness	NOUN
ajbmeb-617	19	69	contributes	contribute	VERB
ajbmeb-617	19	70	to	to	ADP
ajbmeb-617	19	71	enriching	enrich	VERB
ajbmeb-617	19	72	the	the	DET
ajbmeb-617	19	73	research	research	NOUN
ajbmeb-617	19	74	library	library	NOUN
ajbmeb-617	19	75	in	in	ADP
ajbmeb-617	19	76	addition	addition	NOUN
ajbmeb-617	19	77	to	to	ADP
ajbmeb-617	19	78	contributing	contribute	VERB
ajbmeb-617	19	79	to	to	ADP
ajbmeb-617	19	80	the	the	DET
ajbmeb-617	19	81	provision	provision	NOUN
ajbmeb-617	19	82	of	of	ADP
ajbmeb-617	19	83	data	datum	NOUN
ajbmeb-617	19	84	and	and	CCONJ
ajbmeb-617	19	85	information	information	NOUN
ajbmeb-617	19	86	that	that	PRON
ajbmeb-617	19	87	help	help	VERB
ajbmeb-617	19	88	iraqi	iraqi	ADJ
ajbmeb-617	19	89	banking	banking	NOUN
ajbmeb-617	19	90	institutions	institution	NOUN
ajbmeb-617	19	91	to	to	PART
ajbmeb-617	19	92	achieve	achieve	VERB
ajbmeb-617	19	93	competitive	competitive	ADJ
ajbmeb-617	19	94	advantages	advantage	NOUN
ajbmeb-617	19	95	and	and	CCONJ
ajbmeb-617	19	96	satisfactory	satisfactory	ADJ
ajbmeb-617	19	97	performance	performance	NOUN
ajbmeb-617	19	98	rates	rate	NOUN
ajbmeb-617	19	99	in	in	ADP
ajbmeb-617	19	100	the	the	DET
ajbmeb-617	19	101	environmental	environmental	ADJ
ajbmeb-617	19	102	environment	environment	NOUN
ajbmeb-617	19	103	of	of	ADP
ajbmeb-617	19	104	these	these	DET
ajbmeb-617	19	105	banks	bank	NOUN
ajbmeb-617	19	106	.	.	PUNCT
ajbmeb-617	20	1	the	the	DET
ajbmeb-617	20	2	importance	importance	NOUN
ajbmeb-617	20	3	of	of	ADP
ajbmeb-617	20	4	this	this	DET
ajbmeb-617	20	5	research	research	NOUN
ajbmeb-617	20	6	is	be	AUX
ajbmeb-617	20	7	highlighted	highlight	VERB
ajbmeb-617	20	8	by	by	ADP
ajbmeb-617	20	9	the	the	DET
ajbmeb-617	20	10	following	following	ADJ
ajbmeb-617	20	11	points	point	NOUN
ajbmeb-617	20	12	:	:	PUNCT
ajbmeb-617	20	13	1considering	1considering	NUM
ajbmeb-617	20	14	it	it	PRON
ajbmeb-617	20	15	as	as	ADP
ajbmeb-617	20	16	an	an	DET
ajbmeb-617	20	17	academic	academic	ADJ
ajbmeb-617	20	18	attempt	attempt	NOUN
ajbmeb-617	20	19	for	for	ADP
ajbmeb-617	20	20	intellectual	intellectual	ADJ
ajbmeb-617	20	21	and	and	CCONJ
ajbmeb-617	20	22	conceptual	conceptual	ADJ
ajbmeb-617	20	23	framing	framing	NOUN
ajbmeb-617	20	24	towards	towards	ADP
ajbmeb-617	20	25	the	the	DET
ajbmeb-617	20	26	cognitive	cognitive	ADJ
ajbmeb-617	20	27	aspects	aspect	NOUN
ajbmeb-617	20	28	related	relate	VERB
ajbmeb-617	20	29	to	to	ADP
ajbmeb-617	20	30	the	the	DET
ajbmeb-617	20	31	role	role	NOUN
ajbmeb-617	20	32	of	of	ADP
ajbmeb-617	20	33	diversifying	diversify	VERB
ajbmeb-617	20	34	banking	banking	NOUN
ajbmeb-617	20	35	services	service	NOUN
ajbmeb-617	20	36	in	in	ADP
ajbmeb-617	20	37	the	the	DET
ajbmeb-617	20	38	profitability	profitability	NOUN
ajbmeb-617	20	39	of	of	ADP
ajbmeb-617	20	40	iraqi	iraqi	ADJ
ajbmeb-617	20	41	private	private	ADJ
ajbmeb-617	20	42	commercial	commercial	ADJ
ajbmeb-617	20	43	banks	bank	NOUN
ajbmeb-617	20	44	.	.	PUNCT
ajbmeb-617	21	1	american	american	PROPN
ajbmeb-617	21	2	journal	journal	PROPN
ajbmeb-617	21	3	of	of	ADP
ajbmeb-617	21	4	business	business	NOUN
ajbmeb-617	21	5	management	management	NOUN
ajbmeb-617	21	6	,	,	PUNCT
ajbmeb-617	21	7	economics	economic	NOUN
ajbmeb-617	21	8	and	and	CCONJ
ajbmeb-617	21	9	banking	banking	NOUN
ajbmeb-617	21	10	volume	volume	NOUN
ajbmeb-617	21	11	10	10	NUM
ajbmeb-617	21	12	march	march	NOUN
ajbmeb-617	21	13	,	,	PUNCT
ajbmeb-617	21	14	2023	2023	NUM
ajbmeb-617	21	15	p	p	NOUN
ajbmeb-617	21	16	a	a	DET
ajbmeb-617	21	17	g	g	NOUN
ajbmeb-617	21	18	e	e	NOUN
ajbmeb-617	21	19	|	|	NOUN
ajbmeb-617	21	20	161	161	NUM
ajbmeb-617	21	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	21	22	2it	2it	NOUN
ajbmeb-617	21	23	focuses	focus	VERB
ajbmeb-617	21	24	on	on	ADP
ajbmeb-617	21	25	one	one	NUM
ajbmeb-617	21	26	of	of	ADP
ajbmeb-617	21	27	the	the	DET
ajbmeb-617	21	28	modern	modern	ADJ
ajbmeb-617	21	29	banking	banking	NOUN
ajbmeb-617	21	30	topics	topic	NOUN
ajbmeb-617	21	31	,	,	PUNCT
ajbmeb-617	21	32	which	which	PRON
ajbmeb-617	21	33	is	be	AUX
ajbmeb-617	21	34	the	the	DET
ajbmeb-617	21	35	concept	concept	NOUN
ajbmeb-617	21	36	of	of	ADP
ajbmeb-617	21	37	(	(	PUNCT
ajbmeb-617	21	38	diversification	diversification	NOUN
ajbmeb-617	21	39	of	of	ADP
ajbmeb-617	21	40	banking	banking	NOUN
ajbmeb-617	21	41	services	service	NOUN
ajbmeb-617	21	42	)	)	PUNCT
ajbmeb-617	21	43	,	,	PUNCT
ajbmeb-617	21	44	and	and	CCONJ
ajbmeb-617	21	45	the	the	DET
ajbmeb-617	21	46	role	role	NOUN
ajbmeb-617	21	47	of	of	ADP
ajbmeb-617	21	48	this	this	DET
ajbmeb-617	21	49	concept	concept	NOUN
ajbmeb-617	21	50	in	in	ADP
ajbmeb-617	21	51	enhancing	enhance	VERB
ajbmeb-617	21	52	profitability	profitability	NOUN
ajbmeb-617	21	53	.	.	PUNCT
ajbmeb-617	22	1	3the	3the	DET
ajbmeb-617	22	2	possibility	possibility	NOUN
ajbmeb-617	22	3	of	of	ADP
ajbmeb-617	22	4	benefiting	benefit	VERB
ajbmeb-617	22	5	from	from	ADP
ajbmeb-617	22	6	this	this	DET
ajbmeb-617	22	7	study	study	NOUN
ajbmeb-617	22	8	as	as	ADP
ajbmeb-617	22	9	a	a	DET
ajbmeb-617	22	10	cognitive	cognitive	ADJ
ajbmeb-617	22	11	and	and	CCONJ
ajbmeb-617	22	12	applied	applied	ADJ
ajbmeb-617	22	13	guide	guide	NOUN
ajbmeb-617	22	14	,	,	PUNCT
ajbmeb-617	22	15	whether	whether	SCONJ
ajbmeb-617	22	16	through	through	ADP
ajbmeb-617	22	17	the	the	DET
ajbmeb-617	22	18	conceptual	conceptual	ADJ
ajbmeb-617	22	19	review	review	NOUN
ajbmeb-617	22	20	,	,	PUNCT
ajbmeb-617	22	21	as	as	ADV
ajbmeb-617	22	22	well	well	ADV
ajbmeb-617	22	23	as	as	ADP
ajbmeb-617	22	24	the	the	DET
ajbmeb-617	22	25	proposals	proposal	NOUN
ajbmeb-617	22	26	and	and	CCONJ
ajbmeb-617	22	27	recommendations	recommendation	NOUN
ajbmeb-617	22	28	that	that	PRON
ajbmeb-617	22	29	came	come	VERB
ajbmeb-617	22	30	out	out	ADP
ajbmeb-617	22	31	of	of	ADP
ajbmeb-617	22	32	it	it	PRON
ajbmeb-617	22	33	for	for	ADP
ajbmeb-617	22	34	managers	manager	NOUN
ajbmeb-617	22	35	of	of	ADP
ajbmeb-617	22	36	iraqi	iraqi	ADJ
ajbmeb-617	22	37	commercial	commercial	ADJ
ajbmeb-617	22	38	banks	bank	NOUN
ajbmeb-617	22	39	and	and	CCONJ
ajbmeb-617	22	40	for	for	ADP
ajbmeb-617	22	41	all	all	DET
ajbmeb-617	22	42	the	the	DET
ajbmeb-617	22	43	competent	competent	ADJ
ajbmeb-617	22	44	authorities	authority	NOUN
ajbmeb-617	22	45	in	in	ADP
ajbmeb-617	22	46	controlling	control	VERB
ajbmeb-617	22	47	the	the	DET
ajbmeb-617	22	48	banking	banking	NOUN
ajbmeb-617	22	49	sector	sector	NOUN
ajbmeb-617	22	50	and	and	CCONJ
ajbmeb-617	22	51	for	for	ADP
ajbmeb-617	22	52	investors	investor	NOUN
ajbmeb-617	22	53	in	in	ADP
ajbmeb-617	22	54	the	the	DET
ajbmeb-617	22	55	shares	share	NOUN
ajbmeb-617	22	56	of	of	ADP
ajbmeb-617	22	57	those	those	DET
ajbmeb-617	22	58	banks	bank	NOUN
ajbmeb-617	22	59	.	.	PUNCT
ajbmeb-617	23	1	third	third	ADV
ajbmeb-617	23	2	:	:	PUNCT
ajbmeb-617	23	3	the	the	DET
ajbmeb-617	23	4	research	research	NOUN
ajbmeb-617	23	5	hypothesis	hypothesis	NOUN
ajbmeb-617	23	6	in	in	ADP
ajbmeb-617	23	7	order	order	NOUN
ajbmeb-617	23	8	to	to	PART
ajbmeb-617	23	9	achieve	achieve	VERB
ajbmeb-617	23	10	its	its	PRON
ajbmeb-617	23	11	objectives	objective	NOUN
ajbmeb-617	23	12	,	,	PUNCT
ajbmeb-617	23	13	the	the	DET
ajbmeb-617	23	14	research	research	NOUN
ajbmeb-617	23	15	stems	stem	VERB
ajbmeb-617	23	16	from	from	ADP
ajbmeb-617	23	17	a	a	DET
ajbmeb-617	23	18	basic	basic	ADJ
ajbmeb-617	23	19	hypothesis	hypothesis	NOUN
ajbmeb-617	23	20	that	that	SCONJ
ajbmeb-617	23	21	"	"	PUNCT
ajbmeb-617	23	22	the	the	DET
ajbmeb-617	23	23	diversification	diversification	NOUN
ajbmeb-617	23	24	of	of	ADP
ajbmeb-617	23	25	banking	banking	NOUN
ajbmeb-617	23	26	services	service	NOUN
ajbmeb-617	23	27	has	have	VERB
ajbmeb-617	23	28	a	a	DET
ajbmeb-617	23	29	positive	positive	ADJ
ajbmeb-617	23	30	role	role	NOUN
ajbmeb-617	23	31	in	in	ADP
ajbmeb-617	23	32	the	the	DET
ajbmeb-617	23	33	profitability	profitability	NOUN
ajbmeb-617	23	34	of	of	ADP
ajbmeb-617	23	35	iraqi	iraqi	ADJ
ajbmeb-617	23	36	private	private	ADJ
ajbmeb-617	23	37	commercial	commercial	ADJ
ajbmeb-617	23	38	banks	bank	NOUN
ajbmeb-617	23	39	.	.	PUNCT
ajbmeb-617	23	40	"	"	PUNCT
ajbmeb-617	24	1	fourth	fourth	ADJ
ajbmeb-617	24	2	:	:	PUNCT
ajbmeb-617	24	3	research	research	NOUN
ajbmeb-617	24	4	objectives	objective	VERB
ajbmeb-617	24	5	the	the	DET
ajbmeb-617	24	6	main	main	ADJ
ajbmeb-617	24	7	objective	objective	NOUN
ajbmeb-617	24	8	of	of	ADP
ajbmeb-617	24	9	the	the	DET
ajbmeb-617	24	10	research	research	NOUN
ajbmeb-617	24	11	is	be	AUX
ajbmeb-617	24	12	to	to	PART
ajbmeb-617	24	13	reveal	reveal	VERB
ajbmeb-617	24	14	the	the	DET
ajbmeb-617	24	15	role	role	NOUN
ajbmeb-617	24	16	of	of	ADP
ajbmeb-617	24	17	diversification	diversification	NOUN
ajbmeb-617	24	18	of	of	ADP
ajbmeb-617	24	19	banking	banking	NOUN
ajbmeb-617	24	20	services	service	NOUN
ajbmeb-617	24	21	in	in	ADP
ajbmeb-617	24	22	the	the	DET
ajbmeb-617	24	23	profitability	profitability	NOUN
ajbmeb-617	24	24	of	of	ADP
ajbmeb-617	24	25	iraqi	iraqi	ADJ
ajbmeb-617	24	26	private	private	ADJ
ajbmeb-617	24	27	commercial	commercial	ADJ
ajbmeb-617	24	28	banks	bank	NOUN
ajbmeb-617	24	29	.	.	PUNCT
ajbmeb-617	25	1	fifth	fifth	ADJ
ajbmeb-617	25	2	:	:	PUNCT
ajbmeb-617	25	3	research	research	NOUN
ajbmeb-617	25	4	methodology	methodology	NOUN
ajbmeb-617	25	5	the	the	DET
ajbmeb-617	25	6	research	research	NOUN
ajbmeb-617	25	7	approach	approach	NOUN
ajbmeb-617	25	8	is	be	AUX
ajbmeb-617	25	9	based	base	VERB
ajbmeb-617	25	10	on	on	ADP
ajbmeb-617	25	11	the	the	DET
ajbmeb-617	25	12	problem	problem	NOUN
ajbmeb-617	25	13	presented	present	VERB
ajbmeb-617	25	14	,	,	PUNCT
ajbmeb-617	25	15	and	and	CCONJ
ajbmeb-617	25	16	in	in	ADP
ajbmeb-617	25	17	order	order	NOUN
ajbmeb-617	25	18	to	to	PART
ajbmeb-617	25	19	test	test	VERB
ajbmeb-617	25	20	the	the	DET
ajbmeb-617	25	21	research	research	NOUN
ajbmeb-617	25	22	hypothesis	hypothesis	NOUN
ajbmeb-617	25	23	from	from	ADP
ajbmeb-617	25	24	its	its	PRON
ajbmeb-617	25	25	various	various	ADJ
ajbmeb-617	25	26	aspects	aspect	NOUN
ajbmeb-617	25	27	,	,	PUNCT
ajbmeb-617	25	28	obtain	obtain	VERB
ajbmeb-617	25	29	the	the	DET
ajbmeb-617	25	30	results	result	NOUN
ajbmeb-617	25	31	and	and	CCONJ
ajbmeb-617	25	32	give	give	VERB
ajbmeb-617	25	33	interpretations	interpretation	NOUN
ajbmeb-617	25	34	to	to	ADP
ajbmeb-617	25	35	them	they	PRON
ajbmeb-617	25	36	,	,	PUNCT
ajbmeb-617	25	37	the	the	DET
ajbmeb-617	25	38	researcher	researcher	NOUN
ajbmeb-617	25	39	followed	follow	VERB
ajbmeb-617	25	40	the	the	DET
ajbmeb-617	25	41	inductive	inductive	ADJ
ajbmeb-617	25	42	approach	approach	NOUN
ajbmeb-617	25	43	,	,	PUNCT
ajbmeb-617	25	44	the	the	DET
ajbmeb-617	25	45	descriptive	descriptive	ADJ
ajbmeb-617	25	46	approach	approach	NOUN
ajbmeb-617	25	47	,	,	PUNCT
ajbmeb-617	25	48	and	and	CCONJ
ajbmeb-617	25	49	the	the	DET
ajbmeb-617	25	50	analytical	analytical	ADJ
ajbmeb-617	25	51	approach	approach	NOUN
ajbmeb-617	25	52	by	by	ADP
ajbmeb-617	25	53	studying	study	VERB
ajbmeb-617	25	54	the	the	DET
ajbmeb-617	25	55	independent	independent	ADJ
ajbmeb-617	25	56	variable	variable	NOUN
ajbmeb-617	25	57	(	(	PUNCT
ajbmeb-617	25	58	diversification	diversification	NOUN
ajbmeb-617	25	59	of	of	ADP
ajbmeb-617	25	60	banking	banking	NOUN
ajbmeb-617	25	61	services	service	NOUN
ajbmeb-617	25	62	)	)	PUNCT
ajbmeb-617	25	63	and	and	CCONJ
ajbmeb-617	25	64	its	its	PRON
ajbmeb-617	25	65	role	role	NOUN
ajbmeb-617	25	66	in	in	ADP
ajbmeb-617	25	67	the	the	DET
ajbmeb-617	25	68	dependent	dependent	ADJ
ajbmeb-617	25	69	variable	variable	NOUN
ajbmeb-617	25	70	(	(	PUNCT
ajbmeb-617	25	71	profitability	profitability	NOUN
ajbmeb-617	25	72	of	of	ADP
ajbmeb-617	25	73	commercial	commercial	ADJ
ajbmeb-617	25	74	banks	bank	NOUN
ajbmeb-617	25	75	iraqi	iraqi	ADJ
ajbmeb-617	25	76	private	private	ADJ
ajbmeb-617	25	77	)	)	PUNCT
ajbmeb-617	25	78	,	,	PUNCT
ajbmeb-617	25	79	and	and	CCONJ
ajbmeb-617	25	80	analyze	analyze	VERB
ajbmeb-617	25	81	the	the	DET
ajbmeb-617	25	82	effects	effect	NOUN
ajbmeb-617	25	83	left	leave	VERB
ajbmeb-617	25	84	by	by	ADP
ajbmeb-617	25	85	the	the	DET
ajbmeb-617	25	86	diversification	diversification	NOUN
ajbmeb-617	25	87	of	of	ADP
ajbmeb-617	25	88	banking	banking	NOUN
ajbmeb-617	25	89	services	service	NOUN
ajbmeb-617	25	90	on	on	ADP
ajbmeb-617	25	91	the	the	DET
ajbmeb-617	25	92	profitability	profitability	NOUN
ajbmeb-617	25	93	of	of	ADP
ajbmeb-617	25	94	iraqi	iraqi	ADJ
ajbmeb-617	25	95	private	private	ADJ
ajbmeb-617	25	96	commercial	commercial	ADJ
ajbmeb-617	25	97	banks	bank	NOUN
ajbmeb-617	25	98	,	,	PUNCT
ajbmeb-617	25	99	the	the	DET
ajbmeb-617	25	100	research	research	NOUN
ajbmeb-617	25	101	sample	sample	NOUN
ajbmeb-617	25	102	.	.	PUNCT
ajbmeb-617	26	1	sixth	sixth	ADJ
ajbmeb-617	26	2	:	:	PUNCT
ajbmeb-617	26	3	research	research	NOUN
ajbmeb-617	26	4	limits	limit	VERB
ajbmeb-617	26	5	1temporal	1temporal	NUM
ajbmeb-617	26	6	limits	limit	NOUN
ajbmeb-617	26	7	:	:	PUNCT
ajbmeb-617	26	8	the	the	DET
ajbmeb-617	26	9	time	time	NOUN
ajbmeb-617	26	10	period	period	NOUN
ajbmeb-617	26	11	for	for	ADP
ajbmeb-617	26	12	the	the	DET
ajbmeb-617	26	13	research	research	NOUN
ajbmeb-617	26	14	was	be	AUX
ajbmeb-617	26	15	determined	determine	VERB
ajbmeb-617	26	16	by	by	ADP
ajbmeb-617	26	17	the	the	DET
ajbmeb-617	26	18	period	period	NOUN
ajbmeb-617	26	19	(	(	PUNCT
ajbmeb-617	26	20	2016	2016	NUM
ajbmeb-617	26	21	-	-	SYM
ajbmeb-617	26	22	2021	2021	NUM
ajbmeb-617	26	23	)	)	PUNCT
ajbmeb-617	26	24	by	by	ADP
ajbmeb-617	26	25	analyzing	analyze	VERB
ajbmeb-617	26	26	the	the	DET
ajbmeb-617	26	27	financial	financial	ADJ
ajbmeb-617	26	28	data	datum	NOUN
ajbmeb-617	26	29	,	,	PUNCT
ajbmeb-617	26	30	based	base	VERB
ajbmeb-617	26	31	on	on	ADP
ajbmeb-617	26	32	the	the	DET
ajbmeb-617	26	33	annual	annual	ADJ
ajbmeb-617	26	34	financial	financial	ADJ
ajbmeb-617	26	35	reports	report	NOUN
ajbmeb-617	26	36	of	of	ADP
ajbmeb-617	26	37	the	the	DET
ajbmeb-617	26	38	iraqi	iraqi	ADJ
ajbmeb-617	26	39	private	private	ADJ
ajbmeb-617	26	40	commercial	commercial	ADJ
ajbmeb-617	26	41	banks	bank	NOUN
ajbmeb-617	26	42	,	,	PUNCT
ajbmeb-617	26	43	as	as	SCONJ
ajbmeb-617	26	44	the	the	DET
ajbmeb-617	26	45	annual	annual	ADJ
ajbmeb-617	26	46	financial	financial	ADJ
ajbmeb-617	26	47	reports	report	NOUN
ajbmeb-617	26	48	were	be	AUX
ajbmeb-617	26	49	obtained	obtain	VERB
ajbmeb-617	26	50	directly	directly	ADV
ajbmeb-617	26	51	from	from	ADP
ajbmeb-617	26	52	the	the	DET
ajbmeb-617	26	53	research	research	NOUN
ajbmeb-617	26	54	sample	sample	NOUN
ajbmeb-617	26	55	banks	bank	NOUN
ajbmeb-617	26	56	.	.	PUNCT
ajbmeb-617	27	1	2spatial	2spatial	NUM
ajbmeb-617	27	2	limits	limit	NOUN
ajbmeb-617	27	3	:	:	PUNCT
ajbmeb-617	27	4	the	the	DET
ajbmeb-617	27	5	search	search	NOUN
ajbmeb-617	27	6	was	be	AUX
ajbmeb-617	27	7	limited	limit	VERB
ajbmeb-617	27	8	to	to	ADP
ajbmeb-617	27	9	two	two	NUM
ajbmeb-617	27	10	banks	bank	NOUN
ajbmeb-617	27	11	,	,	PUNCT
ajbmeb-617	27	12	namely	namely	ADV
ajbmeb-617	27	13	(	(	PUNCT
ajbmeb-617	27	14	the	the	DET
ajbmeb-617	27	15	iraqi	iraqi	ADJ
ajbmeb-617	27	16	credit	credit	NOUN
ajbmeb-617	27	17	bank	bank	PROPN
ajbmeb-617	27	18	and	and	CCONJ
ajbmeb-617	27	19	the	the	DET
ajbmeb-617	27	20	international	international	PROPN
ajbmeb-617	27	21	development	development	PROPN
ajbmeb-617	27	22	bank	bank	PROPN
ajbmeb-617	27	23	)	)	PUNCT
ajbmeb-617	27	24	,	,	PUNCT
ajbmeb-617	27	25	to	to	PART
ajbmeb-617	27	26	conduct	conduct	VERB
ajbmeb-617	27	27	a	a	DET
ajbmeb-617	27	28	study	study	NOUN
ajbmeb-617	27	29	of	of	ADP
ajbmeb-617	27	30	the	the	DET
ajbmeb-617	27	31	field	field	NOUN
ajbmeb-617	27	32	side	side	NOUN
ajbmeb-617	27	33	of	of	ADP
ajbmeb-617	27	34	the	the	DET
ajbmeb-617	27	35	research	research	NOUN
ajbmeb-617	27	36	,	,	PUNCT
ajbmeb-617	27	37	due	due	ADP
ajbmeb-617	27	38	to	to	ADP
ajbmeb-617	27	39	the	the	DET
ajbmeb-617	27	40	availability	availability	NOUN
ajbmeb-617	27	41	of	of	ADP
ajbmeb-617	27	42	financial	financial	ADJ
ajbmeb-617	27	43	data	datum	NOUN
ajbmeb-617	27	44	and	and	CCONJ
ajbmeb-617	27	45	annual	annual	ADJ
ajbmeb-617	27	46	financial	financial	ADJ
ajbmeb-617	27	47	reports	report	NOUN
ajbmeb-617	27	48	for	for	ADP
ajbmeb-617	27	49	the	the	DET
ajbmeb-617	27	50	period	period	NOUN
ajbmeb-617	27	51	(	(	PUNCT
ajbmeb-617	27	52	2016	2016	NUM
ajbmeb-617	27	53	-	-	SYM
ajbmeb-617	27	54	2021	2021	NUM
ajbmeb-617	27	55	)	)	PUNCT
ajbmeb-617	27	56	published	publish	VERB
ajbmeb-617	27	57	by	by	ADP
ajbmeb-617	27	58	the	the	DET
ajbmeb-617	27	59	research	research	NOUN
ajbmeb-617	27	60	sample	sample	NOUN
ajbmeb-617	27	61	banks	bank	NOUN
ajbmeb-617	27	62	.	.	PUNCT
ajbmeb-617	28	1	seventh	seventh	ADJ
ajbmeb-617	28	2	:	:	PUNCT
ajbmeb-617	28	3	financial	financial	ADJ
ajbmeb-617	28	4	methods	method	NOUN
ajbmeb-617	28	5	and	and	CCONJ
ajbmeb-617	28	6	measures	measure	NOUN
ajbmeb-617	28	7	the	the	DET
ajbmeb-617	28	8	research	research	NOUN
ajbmeb-617	28	9	focused	focus	VERB
ajbmeb-617	28	10	on	on	ADP
ajbmeb-617	28	11	the	the	DET
ajbmeb-617	28	12	use	use	NOUN
ajbmeb-617	28	13	of	of	ADP
ajbmeb-617	28	14	a	a	DET
ajbmeb-617	28	15	set	set	NOUN
ajbmeb-617	28	16	of	of	ADP
ajbmeb-617	28	17	indicators	indicator	NOUN
ajbmeb-617	28	18	related	relate	VERB
ajbmeb-617	28	19	to	to	ADP
ajbmeb-617	28	20	the	the	DET
ajbmeb-617	28	21	subject	subject	NOUN
ajbmeb-617	28	22	of	of	ADP
ajbmeb-617	28	23	the	the	DET
ajbmeb-617	28	24	study	study	NOUN
ajbmeb-617	28	25	,	,	PUNCT
ajbmeb-617	28	26	and	and	CCONJ
ajbmeb-617	28	27	they	they	PRON
ajbmeb-617	28	28	were	be	AUX
ajbmeb-617	28	29	addressed	address	VERB
ajbmeb-617	28	30	in	in	ADP
ajbmeb-617	28	31	the	the	DET
ajbmeb-617	28	32	theoretical	theoretical	ADJ
ajbmeb-617	28	33	framework	framework	NOUN
ajbmeb-617	28	34	in	in	ADP
ajbmeb-617	28	35	order	order	NOUN
ajbmeb-617	28	36	to	to	PART
ajbmeb-617	28	37	reach	reach	VERB
ajbmeb-617	28	38	their	their	PRON
ajbmeb-617	28	39	results	result	NOUN
ajbmeb-617	28	40	in	in	ADP
ajbmeb-617	28	41	the	the	DET
ajbmeb-617	28	42	practical	practical	ADJ
ajbmeb-617	28	43	framework	framework	NOUN
ajbmeb-617	28	44	for	for	ADP
ajbmeb-617	28	45	the	the	DET
ajbmeb-617	28	46	purpose	purpose	NOUN
ajbmeb-617	28	47	of	of	ADP
ajbmeb-617	28	48	demonstrating	demonstrate	VERB
ajbmeb-617	28	49	the	the	DET
ajbmeb-617	28	50	role	role	NOUN
ajbmeb-617	28	51	of	of	ADP
ajbmeb-617	28	52	diversifying	diversify	VERB
ajbmeb-617	28	53	banking	banking	NOUN
ajbmeb-617	28	54	services	service	NOUN
ajbmeb-617	28	55	in	in	ADP
ajbmeb-617	28	56	the	the	DET
ajbmeb-617	28	57	profitability	profitability	NOUN
ajbmeb-617	28	58	of	of	ADP
ajbmeb-617	28	59	commercial	commercial	ADJ
ajbmeb-617	28	60	banks	bank	NOUN
ajbmeb-617	28	61	,	,	PUNCT
ajbmeb-617	28	62	and	and	CCONJ
ajbmeb-617	28	63	that	that	SCONJ
ajbmeb-617	28	64	the	the	DET
ajbmeb-617	28	65	approved	approve	VERB
ajbmeb-617	28	66	analysis	analysis	NOUN
ajbmeb-617	28	67	indicators	indicator	NOUN
ajbmeb-617	28	68	for	for	ADP
ajbmeb-617	28	69	the	the	DET
ajbmeb-617	28	70	purposes	purpose	NOUN
ajbmeb-617	28	71	of	of	ADP
ajbmeb-617	28	72	application	application	NOUN
ajbmeb-617	28	73	will	will	AUX
ajbmeb-617	28	74	be	be	AUX
ajbmeb-617	28	75	presented	present	VERB
ajbmeb-617	28	76	briefly	briefly	ADV
ajbmeb-617	28	77	and	and	CCONJ
ajbmeb-617	28	78	as	as	SCONJ
ajbmeb-617	28	79	shown	show	VERB
ajbmeb-617	28	80	in	in	ADP
ajbmeb-617	28	81	the	the	DET
ajbmeb-617	28	82	table	table	NOUN
ajbmeb-617	28	83	following	follow	VERB
ajbmeb-617	28	84	:	:	PUNCT
ajbmeb-617	28	85	table	table	NOUN
ajbmeb-617	28	86	(	(	PUNCT
ajbmeb-617	28	87	1	1	NUM
ajbmeb-617	28	88	):	):	PUNCT
ajbmeb-617	28	89	indicators	indicator	NOUN
ajbmeb-617	28	90	and	and	CCONJ
ajbmeb-617	28	91	percentages	percentage	NOUN
ajbmeb-617	28	92	of	of	ADP
ajbmeb-617	28	93	profitability	profitability	NOUN
ajbmeb-617	28	94	in	in	ADP
ajbmeb-617	28	95	commercial	commercial	ADJ
ajbmeb-617	28	96	banks	bank	NOUN
ajbmeb-617	28	97	indicators	indicator	NOUN
ajbmeb-617	28	98	ratios	ratio	NOUN
ajbmeb-617	28	99	return	return	VERB
ajbmeb-617	28	100	on	on	ADP
ajbmeb-617	28	101	equity	equity	NOUN
ajbmeb-617	28	102	(	(	PUNCT
ajbmeb-617	28	103	roe	roe	PROPN
ajbmeb-617	28	104	)	)	PUNCT
ajbmeb-617	28	105	(	(	PUNCT
ajbmeb-617	29	1	net	net	ADJ
ajbmeb-617	29	2	profit	profit	NOUN
ajbmeb-617	29	3	÷	÷	SYM
ajbmeb-617	29	4	equity	equity	PROPN
ajbmeb-617	29	5	)	)	PUNCT
ajbmeb-617	29	6	x	x	SYM
ajbmeb-617	29	7	100	100	NUM
ajbmeb-617	29	8	return	return	NOUN
ajbmeb-617	29	9	on	on	ADP
ajbmeb-617	29	10	deposits	deposit	NOUN
ajbmeb-617	29	11	(	(	PUNCT
ajbmeb-617	29	12	rod	rod	NOUN
ajbmeb-617	29	13	)	)	PUNCT
ajbmeb-617	29	14	(	(	PUNCT
ajbmeb-617	29	15	net	net	ADJ
ajbmeb-617	29	16	profit	profit	NOUN
ajbmeb-617	29	17	÷	÷	PUNCT
ajbmeb-617	29	18	total	total	ADJ
ajbmeb-617	29	19	deposits	deposit	NOUN
ajbmeb-617	29	20	)	)	PUNCT
ajbmeb-617	29	21	x	x	SYM
ajbmeb-617	29	22	100	100	NUM
ajbmeb-617	29	23	return	return	NOUN
ajbmeb-617	29	24	on	on	ADP
ajbmeb-617	29	25	assets	asset	NOUN
ajbmeb-617	29	26	(	(	PUNCT
ajbmeb-617	29	27	roa	roa	NOUN
ajbmeb-617	29	28	)	)	PUNCT
ajbmeb-617	29	29	(	(	PUNCT
ajbmeb-617	29	30	net	net	ADJ
ajbmeb-617	29	31	profit	profit	NOUN
ajbmeb-617	29	32	÷	÷	PUNCT
ajbmeb-617	29	33	total	total	ADJ
ajbmeb-617	29	34	assets	asset	NOUN
ajbmeb-617	29	35	)	)	PUNCT
ajbmeb-617	29	36	x	x	SYM
ajbmeb-617	29	37	100	100	NUM
ajbmeb-617	29	38	return	return	NOUN
ajbmeb-617	29	39	on	on	ADP
ajbmeb-617	29	40	funds	fund	NOUN
ajbmeb-617	29	41	available	available	ADJ
ajbmeb-617	29	42	for	for	ADP
ajbmeb-617	29	43	employment	employment	NOUN
ajbmeb-617	29	44	(	(	PUNCT
ajbmeb-617	29	45	rof	rof	NOUN
ajbmeb-617	29	46	)	)	PUNCT
ajbmeb-617	29	47	net	net	ADJ
ajbmeb-617	29	48	profit	profit	NOUN
ajbmeb-617	29	49	÷	÷	PUNCT
ajbmeb-617	29	50	(	(	PUNCT
ajbmeb-617	29	51	equity	equity	NOUN
ajbmeb-617	29	52	+	+	CCONJ
ajbmeb-617	29	53	total	total	ADJ
ajbmeb-617	29	54	deposits	deposit	NOUN
ajbmeb-617	29	55	)	)	PUNCT
ajbmeb-617	29	56	×	×	NOUN
ajbmeb-617	29	57	100	100	NUM
ajbmeb-617	29	58	the	the	DET
ajbmeb-617	29	59	rate	rate	NOUN
ajbmeb-617	29	60	of	of	ADP
ajbmeb-617	29	61	change	change	NOUN
ajbmeb-617	29	62	in	in	ADP
ajbmeb-617	29	63	any	any	PRON
ajbmeb-617	29	64	of	of	ADP
ajbmeb-617	29	65	the	the	DET
ajbmeb-617	29	66	indicators	indicator	NOUN
ajbmeb-617	29	67	above	above	ADV
ajbmeb-617	29	68	(	(	PUNCT
ajbmeb-617	29	69	the	the	DET
ajbmeb-617	29	70	following	follow	VERB
ajbmeb-617	29	71	ratio	ratio	NOUN
ajbmeb-617	29	72	–	–	PUNCT
ajbmeb-617	29	73	the	the	DET
ajbmeb-617	29	74	base	base	NOUN
ajbmeb-617	29	75	ratio	ratio	NOUN
ajbmeb-617	29	76	)	)	PUNCT
ajbmeb-617	29	77	÷	÷	NOUN
ajbmeb-617	29	78	the	the	DET
ajbmeb-617	29	79	base	base	NOUN
ajbmeb-617	29	80	ratio	ratio	NOUN
ajbmeb-617	29	81	×	×	NOUN
ajbmeb-617	29	82	100	100	NUM
ajbmeb-617	29	83	source	source	NOUN
ajbmeb-617	29	84	:	:	PUNCT
ajbmeb-617	29	85	prepared	prepare	VERB
ajbmeb-617	29	86	by	by	ADP
ajbmeb-617	29	87	the	the	DET
ajbmeb-617	29	88	researchers	researcher	NOUN
ajbmeb-617	29	89	.	.	PUNCT
ajbmeb-617	30	1	american	american	PROPN
ajbmeb-617	30	2	journal	journal	PROPN
ajbmeb-617	30	3	of	of	ADP
ajbmeb-617	30	4	business	business	NOUN
ajbmeb-617	30	5	management	management	NOUN
ajbmeb-617	30	6	,	,	PUNCT
ajbmeb-617	30	7	economics	economic	NOUN
ajbmeb-617	30	8	and	and	CCONJ
ajbmeb-617	30	9	banking	banking	NOUN
ajbmeb-617	30	10	volume	volume	NOUN
ajbmeb-617	30	11	10	10	NUM
ajbmeb-617	30	12	march	march	NOUN
ajbmeb-617	30	13	,	,	PUNCT
ajbmeb-617	30	14	2023	2023	NUM
ajbmeb-617	30	15	p	p	NOUN
ajbmeb-617	30	16	a	a	DET
ajbmeb-617	30	17	g	g	NOUN
ajbmeb-617	30	18	e	e	NOUN
ajbmeb-617	30	19	|	|	ADV
ajbmeb-617	30	20	162	162	NUM
ajbmeb-617	30	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	30	22	the	the	DET
ajbmeb-617	30	23	second	second	ADJ
ajbmeb-617	30	24	section	section	NOUN
ajbmeb-617	30	25	:	:	PUNCT
ajbmeb-617	30	26	the	the	DET
ajbmeb-617	30	27	theoretical	theoretical	ADJ
ajbmeb-617	30	28	framework	framework	NOUN
ajbmeb-617	30	29	the	the	DET
ajbmeb-617	30	30	first	first	ADJ
ajbmeb-617	30	31	requirement	requirement	NOUN
ajbmeb-617	30	32	:	:	PUNCT
ajbmeb-617	30	33	the	the	DET
ajbmeb-617	30	34	diversification	diversification	NOUN
ajbmeb-617	30	35	of	of	ADP
ajbmeb-617	30	36	banking	banking	NOUN
ajbmeb-617	30	37	services	service	NOUN
ajbmeb-617	30	38	first	first	ADV
ajbmeb-617	30	39	:	:	PUNCT
ajbmeb-617	30	40	defining	define	VERB
ajbmeb-617	30	41	banking	banking	NOUN
ajbmeb-617	30	42	services	service	NOUN
ajbmeb-617	30	43	a	a	DET
ajbmeb-617	30	44	group	group	NOUN
ajbmeb-617	30	45	of	of	ADP
ajbmeb-617	30	46	personal	personal	ADJ
ajbmeb-617	30	47	skills	skill	NOUN
ajbmeb-617	30	48	,	,	PUNCT
ajbmeb-617	30	49	material	material	NOUN
ajbmeb-617	30	50	requirements	requirement	NOUN
ajbmeb-617	30	51	,	,	PUNCT
ajbmeb-617	30	52	norms	norm	NOUN
ajbmeb-617	30	53	,	,	PUNCT
ajbmeb-617	30	54	and	and	CCONJ
ajbmeb-617	30	55	legal	legal	ADJ
ajbmeb-617	30	56	rules	rule	NOUN
ajbmeb-617	30	57	that	that	PRON
ajbmeb-617	30	58	are	be	AUX
ajbmeb-617	30	59	presented	present	VERB
ajbmeb-617	30	60	and	and	CCONJ
ajbmeb-617	30	61	produced	produce	VERB
ajbmeb-617	30	62	in	in	ADP
ajbmeb-617	30	63	a	a	DET
ajbmeb-617	30	64	manner	manner	NOUN
ajbmeb-617	30	65	consistent	consistent	ADJ
ajbmeb-617	30	66	with	with	ADP
ajbmeb-617	30	67	the	the	DET
ajbmeb-617	30	68	customer	customer	NOUN
ajbmeb-617	30	69	’s	’s	PART
ajbmeb-617	30	70	directions	direction	NOUN
ajbmeb-617	30	71	to	to	PART
ajbmeb-617	30	72	make	make	VERB
ajbmeb-617	30	73	rational	rational	ADJ
ajbmeb-617	30	74	banking	banking	NOUN
ajbmeb-617	30	75	decisions	decision	NOUN
ajbmeb-617	30	76	(	(	PUNCT
ajbmeb-617	30	77	al	al	PROPN
ajbmeb-617	30	78	-	-	PUNCT
ajbmeb-617	30	79	bakri	bakri	PROPN
ajbmeb-617	30	80	,	,	PUNCT
ajbmeb-617	30	81	82	82	NUM
ajbmeb-617	30	82	,	,	PUNCT
ajbmeb-617	30	83	2021	2021	NUM
ajbmeb-617	30	84	)	)	PUNCT
ajbmeb-617	30	85	.	.	PUNCT
ajbmeb-617	31	1	or	or	CCONJ
ajbmeb-617	31	2	it	it	PRON
ajbmeb-617	31	3	is	be	AUX
ajbmeb-617	31	4	the	the	DET
ajbmeb-617	31	5	provision	provision	NOUN
ajbmeb-617	31	6	of	of	ADP
ajbmeb-617	31	7	banking	banking	NOUN
ajbmeb-617	31	8	operations	operation	NOUN
ajbmeb-617	31	9	(	(	PUNCT
ajbmeb-617	31	10	such	such	ADJ
ajbmeb-617	31	11	as	as	ADP
ajbmeb-617	31	12	loans	loan	NOUN
ajbmeb-617	31	13	,	,	PUNCT
ajbmeb-617	31	14	payments	payment	NOUN
ajbmeb-617	31	15	,	,	PUNCT
ajbmeb-617	31	16	or	or	CCONJ
ajbmeb-617	31	17	deposit	deposit	NOUN
ajbmeb-617	31	18	accounts	account	NOUN
ajbmeb-617	31	19	)	)	PUNCT
ajbmeb-617	31	20	as	as	ADP
ajbmeb-617	31	21	a	a	DET
ajbmeb-617	31	22	service	service	NOUN
ajbmeb-617	31	23	that	that	PRON
ajbmeb-617	31	24	uses	use	VERB
ajbmeb-617	31	25	the	the	DET
ajbmeb-617	31	26	secure	secure	ADJ
ajbmeb-617	31	27	and	and	CCONJ
ajbmeb-617	31	28	regulated	regulated	ADJ
ajbmeb-617	31	29	infrastructure	infrastructure	NOUN
ajbmeb-617	31	30	of	of	ADP
ajbmeb-617	31	31	an	an	DET
ajbmeb-617	31	32	existing	exist	VERB
ajbmeb-617	31	33	licensed	licensed	ADJ
ajbmeb-617	31	34	bank	bank	NOUN
ajbmeb-617	31	35	with	with	ADP
ajbmeb-617	31	36	modern	modern	ADJ
ajbmeb-617	31	37	api	api	NOUN
ajbmeb-617	31	38	-	-	PUNCT
ajbmeb-617	31	39	based	base	VERB
ajbmeb-617	31	40	platforms	platform	NOUN
ajbmeb-617	31	41	(	(	PUNCT
ajbmeb-617	31	42	ris	ris	PROPN
ajbmeb-617	31	43	,	,	PUNCT
ajbmeb-617	31	44	2022	2022	NUM
ajbmeb-617	31	45	:	:	PUNCT
ajbmeb-617	31	46	121	121	NUM
ajbmeb-617	31	47	)	)	PUNCT
ajbmeb-617	31	48	.	.	PUNCT
ajbmeb-617	32	1	from	from	ADP
ajbmeb-617	32	2	the	the	DET
ajbmeb-617	32	3	previous	previous	ADJ
ajbmeb-617	32	4	definitions	definition	NOUN
ajbmeb-617	32	5	,	,	PUNCT
ajbmeb-617	32	6	it	it	PRON
ajbmeb-617	32	7	is	be	AUX
ajbmeb-617	32	8	clear	clear	ADJ
ajbmeb-617	32	9	to	to	ADP
ajbmeb-617	32	10	the	the	DET
ajbmeb-617	32	11	research	research	NOUN
ajbmeb-617	32	12	that	that	SCONJ
ajbmeb-617	32	13	banking	banking	NOUN
ajbmeb-617	32	14	services	service	NOUN
ajbmeb-617	32	15	are	be	AUX
ajbmeb-617	32	16	a	a	DET
ajbmeb-617	32	17	group	group	NOUN
ajbmeb-617	32	18	of	of	ADP
ajbmeb-617	32	19	operations	operation	NOUN
ajbmeb-617	32	20	,	,	PUNCT
ajbmeb-617	32	21	benefits	benefit	NOUN
ajbmeb-617	32	22	,	,	PUNCT
ajbmeb-617	32	23	and	and	CCONJ
ajbmeb-617	32	24	activities	activity	NOUN
ajbmeb-617	32	25	,	,	PUNCT
ajbmeb-617	32	26	which	which	PRON
ajbmeb-617	32	27	can	can	AUX
ajbmeb-617	32	28	not	not	PART
ajbmeb-617	32	29	be	be	AUX
ajbmeb-617	32	30	counted	count	VERB
ajbmeb-617	32	31	or	or	CCONJ
ajbmeb-617	32	32	determined	determine	VERB
ajbmeb-617	32	33	,	,	PUNCT
ajbmeb-617	32	34	they	they	PRON
ajbmeb-617	32	35	change	change	VERB
ajbmeb-617	32	36	from	from	ADP
ajbmeb-617	32	37	one	one	NUM
ajbmeb-617	32	38	place	place	NOUN
ajbmeb-617	32	39	to	to	ADP
ajbmeb-617	32	40	another	another	PRON
ajbmeb-617	32	41	,	,	PUNCT
ajbmeb-617	32	42	as	as	ADV
ajbmeb-617	32	43	well	well	ADV
ajbmeb-617	32	44	as	as	ADP
ajbmeb-617	32	45	from	from	ADP
ajbmeb-617	32	46	one	one	NUM
ajbmeb-617	32	47	activity	activity	NOUN
ajbmeb-617	32	48	to	to	ADP
ajbmeb-617	32	49	another	another	PRON
ajbmeb-617	32	50	,	,	PUNCT
ajbmeb-617	32	51	and	and	CCONJ
ajbmeb-617	32	52	it	it	PRON
ajbmeb-617	32	53	is	be	AUX
ajbmeb-617	32	54	not	not	PART
ajbmeb-617	32	55	possible	possible	ADJ
ajbmeb-617	32	56	to	to	PART
ajbmeb-617	32	57	keep	keep	VERB
ajbmeb-617	32	58	them	they	PRON
ajbmeb-617	32	59	.	.	PUNCT
ajbmeb-617	33	1	it	it	PRON
ajbmeb-617	33	2	has	have	VERB
ajbmeb-617	33	3	a	a	DET
ajbmeb-617	33	4	mutual	mutual	ADJ
ajbmeb-617	33	5	relationship	relationship	NOUN
ajbmeb-617	33	6	(	(	PUNCT
ajbmeb-617	33	7	providing	provide	VERB
ajbmeb-617	33	8	a	a	DET
ajbmeb-617	33	9	benefit	benefit	NOUN
ajbmeb-617	33	10	to	to	ADP
ajbmeb-617	33	11	both	both	DET
ajbmeb-617	33	12	parties	party	NOUN
ajbmeb-617	33	13	)	)	PUNCT
ajbmeb-617	33	14	with	with	ADP
ajbmeb-617	33	15	a	a	DET
ajbmeb-617	33	16	material	material	NOUN
ajbmeb-617	33	17	return	return	NOUN
ajbmeb-617	33	18	to	to	ADP
ajbmeb-617	33	19	the	the	DET
ajbmeb-617	33	20	bank	bank	NOUN
ajbmeb-617	33	21	and	and	CCONJ
ajbmeb-617	33	22	achieving	achieve	VERB
ajbmeb-617	33	23	its	its	PRON
ajbmeb-617	33	24	future	future	ADJ
ajbmeb-617	33	25	goals	goal	NOUN
ajbmeb-617	33	26	,	,	PUNCT
ajbmeb-617	33	27	as	as	ADP
ajbmeb-617	33	28	for	for	ADP
ajbmeb-617	33	29	the	the	DET
ajbmeb-617	33	30	customer	customer	NOUN
ajbmeb-617	33	31	,	,	PUNCT
ajbmeb-617	33	32	satisfying	satisfy	VERB
ajbmeb-617	33	33	his	his	PRON
ajbmeb-617	33	34	desires	desire	NOUN
ajbmeb-617	33	35	and	and	CCONJ
ajbmeb-617	33	36	financial	financial	ADJ
ajbmeb-617	33	37	needs	need	NOUN
ajbmeb-617	33	38	.	.	PUNCT
ajbmeb-617	34	1	second	second	ADV
ajbmeb-617	34	2	:	:	PUNCT
ajbmeb-617	34	3	the	the	DET
ajbmeb-617	34	4	importance	importance	NOUN
ajbmeb-617	34	5	of	of	ADP
ajbmeb-617	34	6	banking	banking	NOUN
ajbmeb-617	34	7	services	service	NOUN
ajbmeb-617	34	8	the	the	DET
ajbmeb-617	34	9	importance	importance	NOUN
ajbmeb-617	34	10	of	of	ADP
ajbmeb-617	34	11	banking	banking	NOUN
ajbmeb-617	34	12	services	service	NOUN
ajbmeb-617	34	13	has	have	AUX
ajbmeb-617	34	14	increased	increase	VERB
ajbmeb-617	34	15	in	in	ADP
ajbmeb-617	34	16	recent	recent	ADJ
ajbmeb-617	34	17	times	time	NOUN
ajbmeb-617	34	18	more	more	ADJ
ajbmeb-617	34	19	than	than	SCONJ
ajbmeb-617	34	20	it	it	PRON
ajbmeb-617	34	21	was	be	AUX
ajbmeb-617	34	22	in	in	ADP
ajbmeb-617	34	23	the	the	DET
ajbmeb-617	34	24	past	past	NOUN
ajbmeb-617	34	25	,	,	PUNCT
ajbmeb-617	34	26	for	for	ADP
ajbmeb-617	34	27	many	many	ADJ
ajbmeb-617	34	28	reasons	reason	NOUN
ajbmeb-617	34	29	,	,	PUNCT
ajbmeb-617	34	30	the	the	DET
ajbmeb-617	34	31	most	most	ADV
ajbmeb-617	34	32	important	important	ADJ
ajbmeb-617	34	33	of	of	ADP
ajbmeb-617	34	34	which	which	PRON
ajbmeb-617	34	35	are	be	AUX
ajbmeb-617	34	36	:	:	PUNCT
ajbmeb-617	34	37	(	(	PUNCT
ajbmeb-617	34	38	al	al	PROPN
ajbmeb-617	34	39	-	-	PUNCT
ajbmeb-617	34	40	zamil	zamil	PROPN
ajbmeb-617	34	41	et	et	PROPN
ajbmeb-617	34	42	al	al	PROPN
ajbmeb-617	34	43	.	.	PROPN
ajbmeb-617	34	44	,	,	PUNCT
ajbmeb-617	34	45	2012	2012	NUM
ajbmeb-617	34	46	,	,	PUNCT
ajbmeb-617	34	47	63	63	NUM
ajbmeb-617	34	48	)	)	PUNCT
ajbmeb-617	34	49	1technological	1technological	NUM
ajbmeb-617	34	50	developments	development	NOUN
ajbmeb-617	34	51	that	that	PRON
ajbmeb-617	34	52	have	have	AUX
ajbmeb-617	34	53	taken	take	VERB
ajbmeb-617	34	54	place	place	NOUN
ajbmeb-617	34	55	in	in	ADP
ajbmeb-617	34	56	business	business	NOUN
ajbmeb-617	34	57	organizations	organization	NOUN
ajbmeb-617	34	58	,	,	PUNCT
ajbmeb-617	34	59	such	such	ADJ
ajbmeb-617	34	60	as	as	ADP
ajbmeb-617	34	61	electronic	electronic	ADJ
ajbmeb-617	34	62	marketing	marketing	NOUN
ajbmeb-617	34	63	and	and	CCONJ
ajbmeb-617	34	64	electronic	electronic	ADJ
ajbmeb-617	34	65	commerce	commerce	NOUN
ajbmeb-617	34	66	,	,	PUNCT
ajbmeb-617	34	67	and	and	CCONJ
ajbmeb-617	34	68	the	the	DET
ajbmeb-617	34	69	increase	increase	NOUN
ajbmeb-617	34	70	in	in	ADP
ajbmeb-617	34	71	the	the	DET
ajbmeb-617	34	72	use	use	NOUN
ajbmeb-617	34	73	of	of	ADP
ajbmeb-617	34	74	technology	technology	NOUN
ajbmeb-617	34	75	,	,	PUNCT
ajbmeb-617	34	76	which	which	PRON
ajbmeb-617	34	77	has	have	AUX
ajbmeb-617	34	78	led	lead	VERB
ajbmeb-617	34	79	to	to	ADP
ajbmeb-617	34	80	an	an	DET
ajbmeb-617	34	81	increase	increase	NOUN
ajbmeb-617	34	82	in	in	ADP
ajbmeb-617	34	83	the	the	DET
ajbmeb-617	34	84	need	need	NOUN
ajbmeb-617	34	85	for	for	ADP
ajbmeb-617	34	86	banking	banking	NOUN
ajbmeb-617	34	87	services	service	NOUN
ajbmeb-617	34	88	that	that	PRON
ajbmeb-617	34	89	support	support	VERB
ajbmeb-617	34	90	these	these	DET
ajbmeb-617	34	91	activities	activity	NOUN
ajbmeb-617	34	92	.	.	PUNCT
ajbmeb-617	35	1	2the	2the	NUM
ajbmeb-617	35	2	growing	grow	VERB
ajbmeb-617	35	3	diversification	diversification	NOUN
ajbmeb-617	35	4	and	and	CCONJ
ajbmeb-617	35	5	complexity	complexity	NOUN
ajbmeb-617	35	6	of	of	ADP
ajbmeb-617	35	7	the	the	DET
ajbmeb-617	35	8	needs	need	NOUN
ajbmeb-617	35	9	,	,	PUNCT
ajbmeb-617	35	10	motives	motive	NOUN
ajbmeb-617	35	11	,	,	PUNCT
ajbmeb-617	35	12	inclinations	inclination	NOUN
ajbmeb-617	35	13	,	,	PUNCT
ajbmeb-617	35	14	and	and	CCONJ
ajbmeb-617	35	15	attitudes	attitude	NOUN
ajbmeb-617	35	16	of	of	ADP
ajbmeb-617	35	17	the	the	DET
ajbmeb-617	35	18	bank	bank	NOUN
ajbmeb-617	35	19	's	's	PART
ajbmeb-617	35	20	customers	customer	NOUN
ajbmeb-617	35	21	.	.	PUNCT
ajbmeb-617	36	1	the	the	DET
ajbmeb-617	36	2	customer	customer	NOUN
ajbmeb-617	36	3	has	have	AUX
ajbmeb-617	36	4	become	become	VERB
ajbmeb-617	36	5	smarter	smart	ADJ
ajbmeb-617	36	6	and	and	CCONJ
ajbmeb-617	36	7	wiser	wise	ADJ
ajbmeb-617	36	8	,	,	PUNCT
ajbmeb-617	36	9	and	and	CCONJ
ajbmeb-617	36	10	the	the	DET
ajbmeb-617	36	11	banking	banking	NOUN
ajbmeb-617	36	12	services	service	NOUN
ajbmeb-617	36	13	he	he	PRON
ajbmeb-617	36	14	needs	need	VERB
ajbmeb-617	36	15	are	be	AUX
ajbmeb-617	36	16	no	no	ADV
ajbmeb-617	36	17	longer	long	ADV
ajbmeb-617	36	18	simple	simple	ADJ
ajbmeb-617	36	19	and	and	CCONJ
ajbmeb-617	36	20	easy	easy	ADJ
ajbmeb-617	36	21	.	.	PUNCT
ajbmeb-617	37	1	3increasing	3increase	VERB
ajbmeb-617	37	2	the	the	DET
ajbmeb-617	37	3	cost	cost	NOUN
ajbmeb-617	37	4	involved	involve	VERB
ajbmeb-617	37	5	in	in	ADP
ajbmeb-617	37	6	satisfying	satisfy	VERB
ajbmeb-617	37	7	the	the	DET
ajbmeb-617	37	8	customer	customer	NOUN
ajbmeb-617	37	9	's	's	PART
ajbmeb-617	37	10	banking	banking	NOUN
ajbmeb-617	37	11	needs	need	NOUN
ajbmeb-617	37	12	and	and	CCONJ
ajbmeb-617	37	13	desires	desire	NOUN
ajbmeb-617	37	14	,	,	PUNCT
ajbmeb-617	37	15	and	and	CCONJ
ajbmeb-617	37	16	achieving	achieve	VERB
ajbmeb-617	37	17	an	an	DET
ajbmeb-617	37	18	appropriate	appropriate	ADJ
ajbmeb-617	37	19	profit	profit	NOUN
ajbmeb-617	37	20	from	from	ADP
ajbmeb-617	37	21	this	this	DET
ajbmeb-617	37	22	activity	activity	NOUN
ajbmeb-617	37	23	.	.	PUNCT
ajbmeb-617	38	1	4an	4an	ADJ
ajbmeb-617	38	2	increase	increase	NOUN
ajbmeb-617	38	3	in	in	ADP
ajbmeb-617	38	4	the	the	DET
ajbmeb-617	38	5	percentage	percentage	NOUN
ajbmeb-617	38	6	of	of	ADP
ajbmeb-617	38	7	workers	worker	NOUN
ajbmeb-617	38	8	in	in	ADP
ajbmeb-617	38	9	the	the	DET
ajbmeb-617	38	10	banking	banking	NOUN
ajbmeb-617	38	11	services	service	NOUN
ajbmeb-617	38	12	sector	sector	NOUN
ajbmeb-617	38	13	.	.	PUNCT
ajbmeb-617	39	1	third	third	ADV
ajbmeb-617	39	2	:	:	PUNCT
ajbmeb-617	39	3	defining	define	VERB
ajbmeb-617	39	4	diversification	diversification	NOUN
ajbmeb-617	39	5	it	it	PRON
ajbmeb-617	39	6	is	be	AUX
ajbmeb-617	39	7	the	the	DET
ajbmeb-617	39	8	growth	growth	NOUN
ajbmeb-617	39	9	of	of	ADP
ajbmeb-617	39	10	an	an	DET
ajbmeb-617	39	11	organization	organization	NOUN
ajbmeb-617	39	12	by	by	ADP
ajbmeb-617	39	13	starting	start	VERB
ajbmeb-617	39	14	or	or	CCONJ
ajbmeb-617	39	15	acquiring	acquire	VERB
ajbmeb-617	39	16	a	a	DET
ajbmeb-617	39	17	business	business	NOUN
ajbmeb-617	39	18	outside	outside	ADP
ajbmeb-617	39	19	of	of	ADP
ajbmeb-617	39	20	the	the	DET
ajbmeb-617	39	21	organization	organization	NOUN
ajbmeb-617	39	22	's	's	PART
ajbmeb-617	39	23	existing	exist	VERB
ajbmeb-617	39	24	products	product	NOUN
ajbmeb-617	39	25	and	and	CCONJ
ajbmeb-617	39	26	markets	market	NOUN
ajbmeb-617	39	27	(	(	PUNCT
ajbmeb-617	39	28	armstrong	armstrong	PROPN
ajbmeb-617	39	29	et	et	PROPN
ajbmeb-617	39	30	al	al	PROPN
ajbmeb-617	39	31	,	,	PUNCT
ajbmeb-617	39	32	2020	2020	NUM
ajbmeb-617	39	33	:	:	PUNCT
ajbmeb-617	39	34	669	669	NUM
ajbmeb-617	39	35	)	)	PUNCT
ajbmeb-617	39	36	.	.	PUNCT
ajbmeb-617	40	1	or	or	CCONJ
ajbmeb-617	40	2	it	it	PRON
ajbmeb-617	40	3	is	be	AUX
ajbmeb-617	40	4	the	the	DET
ajbmeb-617	40	5	process	process	NOUN
ajbmeb-617	40	6	of	of	ADP
ajbmeb-617	40	7	distributing	distribute	VERB
ajbmeb-617	40	8	assets	asset	NOUN
ajbmeb-617	40	9	among	among	ADP
ajbmeb-617	40	10	several	several	ADJ
ajbmeb-617	40	11	types	type	NOUN
ajbmeb-617	40	12	of	of	ADP
ajbmeb-617	40	13	investments	investment	NOUN
ajbmeb-617	40	14	to	to	PART
ajbmeb-617	40	15	reduce	reduce	VERB
ajbmeb-617	40	16	risks	risk	NOUN
ajbmeb-617	40	17	.	.	PUNCT
ajbmeb-617	41	1	in	in	ADP
ajbmeb-617	41	2	fact	fact	NOUN
ajbmeb-617	41	3	,	,	PUNCT
ajbmeb-617	41	4	diversification	diversification	NOUN
ajbmeb-617	41	5	can	can	AUX
ajbmeb-617	41	6	reduce	reduce	VERB
ajbmeb-617	41	7	the	the	DET
ajbmeb-617	41	8	risks	risk	NOUN
ajbmeb-617	41	9	associated	associate	VERB
ajbmeb-617	41	10	with	with	ADP
ajbmeb-617	41	11	putting	put	VERB
ajbmeb-617	41	12	all	all	DET
ajbmeb-617	41	13	eggs	egg	NOUN
ajbmeb-617	41	14	in	in	ADP
ajbmeb-617	41	15	one	one	NUM
ajbmeb-617	41	16	basket	basket	NOUN
ajbmeb-617	41	17	a	a	DET
ajbmeb-617	41	18	common	common	ADJ
ajbmeb-617	41	19	mistake	mistake	NOUN
ajbmeb-617	41	20	made	make	VERB
ajbmeb-617	41	21	by	by	ADP
ajbmeb-617	41	22	investors	investor	NOUN
ajbmeb-617	41	23	.	.	PUNCT
ajbmeb-617	42	1	to	to	PART
ajbmeb-617	42	2	avoid	avoid	VERB
ajbmeb-617	42	3	this	this	DET
ajbmeb-617	42	4	mistake	mistake	NOUN
ajbmeb-617	42	5	,	,	PUNCT
ajbmeb-617	42	6	many	many	ADJ
ajbmeb-617	42	7	financial	financial	ADJ
ajbmeb-617	42	8	planners	planner	NOUN
ajbmeb-617	42	9	suggest	suggest	VERB
ajbmeb-617	42	10	that	that	SCONJ
ajbmeb-617	42	11	thinking	think	VERB
ajbmeb-617	42	12	about	about	ADP
ajbmeb-617	42	13	the	the	DET
ajbmeb-617	42	14	investment	investment	NOUN
ajbmeb-617	42	15	program	program	NOUN
ajbmeb-617	42	16	as	as	ADP
ajbmeb-617	42	17	a	a	DET
ajbmeb-617	42	18	four	four	NUM
ajbmeb-617	42	19	-	-	PUNCT
ajbmeb-617	42	20	tiered	tiere	VERB
ajbmeb-617	42	21	pyramid	pyramid	NOUN
ajbmeb-617	42	22	,	,	PUNCT
ajbmeb-617	42	23	this	this	DET
ajbmeb-617	42	24	approach	approach	NOUN
ajbmeb-617	42	25	to	to	ADP
ajbmeb-617	42	26	investing	investing	NOUN
ajbmeb-617	42	27	can	can	AUX
ajbmeb-617	42	28	provide	provide	VERB
ajbmeb-617	42	29	financial	financial	ADJ
ajbmeb-617	42	30	growth	growth	NOUN
ajbmeb-617	42	31	and	and	CCONJ
ajbmeb-617	42	32	protection	protection	NOUN
ajbmeb-617	42	33	,	,	PUNCT
ajbmeb-617	42	34	regardless	regardless	ADV
ajbmeb-617	42	35	of	of	ADP
ajbmeb-617	42	36	the	the	DET
ajbmeb-617	42	37	investor	investor	NOUN
ajbmeb-617	42	38	’s	’s	PART
ajbmeb-617	42	39	age	age	NOUN
ajbmeb-617	42	40	,	,	PUNCT
ajbmeb-617	42	41	marital	marital	ADJ
ajbmeb-617	42	42	status	status	NOUN
ajbmeb-617	42	43	,	,	PUNCT
ajbmeb-617	42	44	income	income	NOUN
ajbmeb-617	42	45	,	,	PUNCT
ajbmeb-617	42	46	or	or	CCONJ
ajbmeb-617	42	47	level	level	NOUN
ajbmeb-617	42	48	of	of	ADP
ajbmeb-617	42	49	financial	financial	ADJ
ajbmeb-617	42	50	sophistication	sophistication	NOUN
ajbmeb-617	42	51	(	(	PUNCT
ajbmeb-617	42	52	kapoor	kapoor	PROPN
ajbmeb-617	42	53	et	et	PROPN
ajbmeb-617	42	54	al	al	PROPN
ajbmeb-617	42	55	,	,	PUNCT
ajbmeb-617	42	56	2018	2018	NUM
ajbmeb-617	42	57	:	:	PUNCT
ajbmeb-617	42	58	344	344	NUM
ajbmeb-617	42	59	)	)	PUNCT
ajbmeb-617	42	60	.	.	PUNCT
ajbmeb-617	43	1	or	or	CCONJ
ajbmeb-617	43	2	it	it	PRON
ajbmeb-617	43	3	is	be	AUX
ajbmeb-617	43	4	entering	enter	VERB
ajbmeb-617	43	5	new	new	ADJ
ajbmeb-617	43	6	markets	market	NOUN
ajbmeb-617	43	7	or	or	CCONJ
ajbmeb-617	43	8	acquiring	acquire	VERB
ajbmeb-617	43	9	other	other	ADJ
ajbmeb-617	43	10	organizations	organization	NOUN
ajbmeb-617	43	11	,	,	PUNCT
ajbmeb-617	43	12	and	and	CCONJ
ajbmeb-617	43	13	diversification	diversification	NOUN
ajbmeb-617	43	14	is	be	AUX
ajbmeb-617	43	15	considered	consider	VERB
ajbmeb-617	43	16	a	a	DET
ajbmeb-617	43	17	dangerous	dangerous	ADJ
ajbmeb-617	43	18	strategy	strategy	NOUN
ajbmeb-617	43	19	,	,	PUNCT
ajbmeb-617	43	20	in	in	ADP
ajbmeb-617	43	21	the	the	DET
ajbmeb-617	43	22	event	event	NOUN
ajbmeb-617	43	23	that	that	PRON
ajbmeb-617	43	24	these	these	DET
ajbmeb-617	43	25	new	new	ADJ
ajbmeb-617	43	26	endeavors	endeavor	NOUN
ajbmeb-617	43	27	are	be	AUX
ajbmeb-617	43	28	not	not	PART
ajbmeb-617	43	29	compatible	compatible	ADJ
ajbmeb-617	43	30	with	with	ADP
ajbmeb-617	43	31	the	the	DET
ajbmeb-617	43	32	mission	mission	NOUN
ajbmeb-617	43	33	of	of	ADP
ajbmeb-617	43	34	the	the	DET
ajbmeb-617	43	35	organization	organization	NOUN
ajbmeb-617	43	36	,	,	PUNCT
ajbmeb-617	43	37	and	and	CCONJ
ajbmeb-617	43	38	business	business	NOUN
ajbmeb-617	43	39	history	history	NOUN
ajbmeb-617	43	40	is	be	AUX
ajbmeb-617	43	41	full	full	ADJ
ajbmeb-617	43	42	of	of	ADP
ajbmeb-617	43	43	stories	story	NOUN
ajbmeb-617	43	44	of	of	ADP
ajbmeb-617	43	45	organizations	organization	NOUN
ajbmeb-617	43	46	that	that	PRON
ajbmeb-617	43	47	explored	explore	VERB
ajbmeb-617	43	48	new	new	ADJ
ajbmeb-617	43	49	opportunities	opportunity	NOUN
ajbmeb-617	43	50	that	that	PRON
ajbmeb-617	43	51	were	be	AUX
ajbmeb-617	43	52	outside	outside	ADP
ajbmeb-617	43	53	their	their	PRON
ajbmeb-617	43	54	mission	mission	NOUN
ajbmeb-617	43	55	and	and	CCONJ
ajbmeb-617	43	56	core	core	NOUN
ajbmeb-617	43	57	values	value	NOUN
ajbmeb-617	43	58	.	.	PUNCT
ajbmeb-617	44	1	an	an	DET
ajbmeb-617	44	2	organization	organization	NOUN
ajbmeb-617	44	3	may	may	AUX
ajbmeb-617	44	4	follow	follow	VERB
ajbmeb-617	44	5	a	a	DET
ajbmeb-617	44	6	diversification	diversification	NOUN
ajbmeb-617	44	7	strategy	strategy	NOUN
ajbmeb-617	44	8	when	when	SCONJ
ajbmeb-617	44	9	it	it	PRON
ajbmeb-617	44	10	has	have	VERB
ajbmeb-617	44	11	many	many	ADJ
ajbmeb-617	44	12	internal	internal	ADJ
ajbmeb-617	44	13	strengths	strength	NOUN
ajbmeb-617	44	14	and	and	CCONJ
ajbmeb-617	44	15	is	be	AUX
ajbmeb-617	44	16	exposed	expose	VERB
ajbmeb-617	44	17	to	to	ADP
ajbmeb-617	44	18	many	many	ADJ
ajbmeb-617	44	19	external	external	ADJ
ajbmeb-617	44	20	threats	threat	NOUN
ajbmeb-617	44	21	(	(	PUNCT
ajbmeb-617	44	22	ferrell	ferrell	PROPN
ajbmeb-617	44	23	et	et	PROPN
ajbmeb-617	44	24	al	al	PROPN
ajbmeb-617	44	25	,	,	PUNCT
ajbmeb-617	44	26	2022	2022	NUM
ajbmeb-617	44	27	:	:	PUNCT
ajbmeb-617	44	28	103	103	NUM
ajbmeb-617	44	29	)	)	PUNCT
ajbmeb-617	44	30	.	.	PUNCT
ajbmeb-617	45	1	through	through	ADP
ajbmeb-617	45	2	the	the	DET
ajbmeb-617	45	3	previous	previous	ADJ
ajbmeb-617	45	4	definitions	definition	NOUN
ajbmeb-617	45	5	,	,	PUNCT
ajbmeb-617	45	6	the	the	DET
ajbmeb-617	45	7	research	research	NOUN
ajbmeb-617	45	8	shows	show	VERB
ajbmeb-617	45	9	that	that	SCONJ
ajbmeb-617	45	10	diversification	diversification	NOUN
ajbmeb-617	45	11	:	:	PUNCT
ajbmeb-617	45	12	it	it	PRON
ajbmeb-617	45	13	is	be	AUX
ajbmeb-617	45	14	an	an	DET
ajbmeb-617	45	15	expansion	expansion	NOUN
ajbmeb-617	45	16	process	process	NOUN
ajbmeb-617	45	17	at	at	ADP
ajbmeb-617	45	18	different	different	ADJ
ajbmeb-617	45	19	levels	level	NOUN
ajbmeb-617	45	20	to	to	PART
ajbmeb-617	45	21	achieve	achieve	VERB
ajbmeb-617	45	22	the	the	DET
ajbmeb-617	45	23	goals	goal	NOUN
ajbmeb-617	45	24	of	of	ADP
ajbmeb-617	45	25	growth	growth	NOUN
ajbmeb-617	45	26	,	,	PUNCT
ajbmeb-617	45	27	which	which	PRON
ajbmeb-617	45	28	ultimately	ultimately	ADV
ajbmeb-617	45	29	leads	lead	VERB
ajbmeb-617	45	30	to	to	ADP
ajbmeb-617	45	31	improving	improve	VERB
ajbmeb-617	45	32	the	the	DET
ajbmeb-617	45	33	competitive	competitive	ADJ
ajbmeb-617	45	34	position	position	NOUN
ajbmeb-617	45	35	of	of	ADP
ajbmeb-617	45	36	banks	bank	NOUN
ajbmeb-617	45	37	by	by	ADP
ajbmeb-617	45	38	increasing	increase	VERB
ajbmeb-617	45	39	and	and	CCONJ
ajbmeb-617	45	40	maximizing	maximize	VERB
ajbmeb-617	45	41	the	the	DET
ajbmeb-617	45	42	volume	volume	NOUN
ajbmeb-617	45	43	and	and	CCONJ
ajbmeb-617	45	44	results	result	NOUN
ajbmeb-617	45	45	of	of	ADP
ajbmeb-617	45	46	its	its	PRON
ajbmeb-617	45	47	business	business	NOUN
ajbmeb-617	45	48	,	,	PUNCT
ajbmeb-617	45	49	through	through	ADP
ajbmeb-617	45	50	its	its	PRON
ajbmeb-617	45	51	reliance	reliance	NOUN
ajbmeb-617	45	52	on	on	ADP
ajbmeb-617	45	53	the	the	DET
ajbmeb-617	45	54	distinguished	distinguished	ADJ
ajbmeb-617	45	55	capabilities	capability	NOUN
ajbmeb-617	45	56	and	and	CCONJ
ajbmeb-617	45	57	capabilities	capability	NOUN
ajbmeb-617	45	58	that	that	PRON
ajbmeb-617	45	59	enable	enable	VERB
ajbmeb-617	45	60	it	it	PRON
ajbmeb-617	45	61	to	to	PART
ajbmeb-617	45	62	pursue	pursue	VERB
ajbmeb-617	45	63	this	this	DET
ajbmeb-617	45	64	diversification	diversification	NOUN
ajbmeb-617	45	65	,	,	PUNCT
ajbmeb-617	45	66	american	american	ADJ
ajbmeb-617	45	67	journal	journal	PROPN
ajbmeb-617	45	68	of	of	ADP
ajbmeb-617	45	69	business	business	NOUN
ajbmeb-617	45	70	management	management	NOUN
ajbmeb-617	45	71	,	,	PUNCT
ajbmeb-617	45	72	economics	economic	NOUN
ajbmeb-617	45	73	and	and	CCONJ
ajbmeb-617	45	74	banking	banking	NOUN
ajbmeb-617	45	75	volume	volume	NOUN
ajbmeb-617	45	76	10	10	NUM
ajbmeb-617	45	77	march	march	NOUN
ajbmeb-617	45	78	,	,	PUNCT
ajbmeb-617	45	79	2023	2023	NUM
ajbmeb-617	45	80	p	p	NOUN
ajbmeb-617	45	81	a	a	DET
ajbmeb-617	45	82	g	g	NOUN
ajbmeb-617	45	83	e	e	NOUN
ajbmeb-617	45	84	|	|	NOUN
ajbmeb-617	45	85	163	163	NUM
ajbmeb-617	45	86	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	45	87	in	in	ADP
ajbmeb-617	45	88	addition	addition	NOUN
ajbmeb-617	45	89	,	,	PUNCT
ajbmeb-617	45	90	diversification	diversification	NOUN
ajbmeb-617	45	91	contributes	contribute	VERB
ajbmeb-617	45	92	to	to	ADP
ajbmeb-617	45	93	reducing	reduce	VERB
ajbmeb-617	45	94	risks	risk	NOUN
ajbmeb-617	45	95	and	and	CCONJ
ajbmeb-617	45	96	distributing	distribute	VERB
ajbmeb-617	45	97	them	they	PRON
ajbmeb-617	45	98	across	across	ADP
ajbmeb-617	45	99	a	a	DET
ajbmeb-617	45	100	number	number	NOUN
ajbmeb-617	45	101	of	of	ADP
ajbmeb-617	45	102	asset	asset	NOUN
ajbmeb-617	45	103	classes	class	NOUN
ajbmeb-617	45	104	.	.	PUNCT
ajbmeb-617	46	1	it	it	PRON
ajbmeb-617	46	2	is	be	AUX
ajbmeb-617	46	3	noted	note	VERB
ajbmeb-617	46	4	that	that	SCONJ
ajbmeb-617	46	5	all	all	DET
ajbmeb-617	46	6	previous	previous	ADJ
ajbmeb-617	46	7	definitions	definition	NOUN
ajbmeb-617	46	8	of	of	ADP
ajbmeb-617	46	9	diversification	diversification	NOUN
ajbmeb-617	46	10	share	share	VERB
ajbmeb-617	46	11	the	the	DET
ajbmeb-617	46	12	idea	idea	NOUN
ajbmeb-617	46	13	of	of	ADP
ajbmeb-617	46	14	expanding	expand	VERB
ajbmeb-617	46	15	the	the	DET
ajbmeb-617	46	16	activity	activity	NOUN
ajbmeb-617	46	17	of	of	ADP
ajbmeb-617	46	18	banks	bank	NOUN
ajbmeb-617	46	19	,	,	PUNCT
ajbmeb-617	46	20	through	through	ADP
ajbmeb-617	46	21	:	:	PUNCT
ajbmeb-617	46	22	1gaining	1gaining	NUM
ajbmeb-617	46	23	new	new	ADJ
ajbmeb-617	46	24	market	market	NOUN
ajbmeb-617	46	25	shares	share	NOUN
ajbmeb-617	46	26	.	.	PUNCT
ajbmeb-617	47	1	2providing	2providing	NUM
ajbmeb-617	47	2	new	new	ADJ
ajbmeb-617	47	3	services	service	NOUN
ajbmeb-617	47	4	or	or	CCONJ
ajbmeb-617	47	5	products	product	NOUN
ajbmeb-617	47	6	in	in	ADP
ajbmeb-617	47	7	addition	addition	NOUN
ajbmeb-617	47	8	to	to	ADP
ajbmeb-617	47	9	the	the	DET
ajbmeb-617	47	10	existing	exist	VERB
ajbmeb-617	47	11	ones	one	NOUN
ajbmeb-617	47	12	.	.	PUNCT
ajbmeb-617	48	1	thus	thus	ADV
ajbmeb-617	48	2	,	,	PUNCT
ajbmeb-617	48	3	the	the	DET
ajbmeb-617	48	4	adoption	adoption	NOUN
ajbmeb-617	48	5	of	of	ADP
ajbmeb-617	48	6	diversification	diversification	NOUN
ajbmeb-617	48	7	is	be	AUX
ajbmeb-617	48	8	considered	consider	VERB
ajbmeb-617	48	9	mainly	mainly	ADV
ajbmeb-617	48	10	in	in	ADP
ajbmeb-617	48	11	the	the	DET
ajbmeb-617	48	12	case	case	NOUN
ajbmeb-617	48	13	of	of	ADP
ajbmeb-617	48	14	working	work	VERB
ajbmeb-617	48	15	in	in	ADP
ajbmeb-617	48	16	an	an	DET
ajbmeb-617	48	17	inflexible	inflexible	ADJ
ajbmeb-617	48	18	market	market	NOUN
ajbmeb-617	48	19	,	,	PUNCT
ajbmeb-617	48	20	meaning	mean	VERB
ajbmeb-617	48	21	in	in	ADP
ajbmeb-617	48	22	those	those	DET
ajbmeb-617	48	23	circumstances	circumstance	NOUN
ajbmeb-617	48	24	that	that	PRON
ajbmeb-617	48	25	do	do	AUX
ajbmeb-617	48	26	not	not	PART
ajbmeb-617	48	27	provide	provide	VERB
ajbmeb-617	48	28	the	the	DET
ajbmeb-617	48	29	organization	organization	NOUN
ajbmeb-617	48	30	with	with	ADP
ajbmeb-617	48	31	good	good	ADJ
ajbmeb-617	48	32	opportunities	opportunity	NOUN
ajbmeb-617	48	33	to	to	PART
ajbmeb-617	48	34	develop	develop	VERB
ajbmeb-617	48	35	and	and	CCONJ
ajbmeb-617	48	36	develop	develop	VERB
ajbmeb-617	48	37	profits	profit	NOUN
ajbmeb-617	48	38	within	within	ADP
ajbmeb-617	48	39	the	the	DET
ajbmeb-617	48	40	organization	organization	NOUN
ajbmeb-617	48	41	’s	’s	PART
ajbmeb-617	48	42	current	current	ADJ
ajbmeb-617	48	43	conditions	condition	NOUN
ajbmeb-617	48	44	,	,	PUNCT
ajbmeb-617	48	45	either	either	CCONJ
ajbmeb-617	48	46	because	because	SCONJ
ajbmeb-617	48	47	of	of	ADP
ajbmeb-617	48	48	competition	competition	NOUN
ajbmeb-617	48	49	,	,	PUNCT
ajbmeb-617	48	50	which	which	PRON
ajbmeb-617	48	51	occupies	occupy	VERB
ajbmeb-617	48	52	a	a	DET
ajbmeb-617	48	53	strong	strong	ADJ
ajbmeb-617	48	54	share	share	NOUN
ajbmeb-617	48	55	or	or	CCONJ
ajbmeb-617	48	56	because	because	SCONJ
ajbmeb-617	48	57	this	this	DET
ajbmeb-617	48	58	market	market	NOUN
ajbmeb-617	48	59	is	be	AUX
ajbmeb-617	48	60	constantly	constantly	ADV
ajbmeb-617	48	61	declining	decline	VERB
ajbmeb-617	48	62	and	and	CCONJ
ajbmeb-617	48	63	declining	decline	VERB
ajbmeb-617	48	64	,	,	PUNCT
ajbmeb-617	48	65	so	so	SCONJ
ajbmeb-617	48	66	diversification	diversification	NOUN
ajbmeb-617	48	67	comes	come	VERB
ajbmeb-617	48	68	as	as	ADP
ajbmeb-617	48	69	a	a	DET
ajbmeb-617	48	70	suitable	suitable	ADJ
ajbmeb-617	48	71	solution	solution	NOUN
ajbmeb-617	48	72	to	to	PART
ajbmeb-617	48	73	enter	enter	VERB
ajbmeb-617	48	74	new	new	ADJ
ajbmeb-617	48	75	fields	field	NOUN
ajbmeb-617	48	76	and	and	CCONJ
ajbmeb-617	48	77	activities	activity	NOUN
ajbmeb-617	48	78	.	.	PUNCT
ajbmeb-617	49	1	the	the	DET
ajbmeb-617	49	2	second	second	ADJ
ajbmeb-617	49	3	requirement	requirement	NOUN
ajbmeb-617	49	4	:	:	PUNCT
ajbmeb-617	49	5	the	the	DET
ajbmeb-617	49	6	profitability	profitability	NOUN
ajbmeb-617	49	7	of	of	ADP
ajbmeb-617	49	8	commercial	commercial	ADJ
ajbmeb-617	49	9	banks	bank	NOUN
ajbmeb-617	49	10	first	first	ADV
ajbmeb-617	49	11	:	:	PUNCT
ajbmeb-617	49	12	the	the	DET
ajbmeb-617	49	13	definition	definition	NOUN
ajbmeb-617	49	14	of	of	ADP
ajbmeb-617	49	15	profitability	profitability	NOUN
ajbmeb-617	49	16	the	the	DET
ajbmeb-617	49	17	concept	concept	NOUN
ajbmeb-617	49	18	of	of	ADP
ajbmeb-617	49	19	profitability	profitability	NOUN
ajbmeb-617	49	20	occupies	occupy	VERB
ajbmeb-617	49	21	an	an	DET
ajbmeb-617	49	22	important	important	ADJ
ajbmeb-617	49	23	place	place	NOUN
ajbmeb-617	49	24	in	in	ADP
ajbmeb-617	49	25	various	various	ADJ
ajbmeb-617	49	26	businesses	business	NOUN
ajbmeb-617	49	27	,	,	PUNCT
ajbmeb-617	49	28	as	as	SCONJ
ajbmeb-617	49	29	it	it	PRON
ajbmeb-617	49	30	is	be	AUX
ajbmeb-617	49	31	the	the	DET
ajbmeb-617	49	32	primary	primary	ADJ
ajbmeb-617	49	33	goal	goal	NOUN
ajbmeb-617	49	34	pursued	pursue	VERB
ajbmeb-617	49	35	by	by	ADP
ajbmeb-617	49	36	financial	financial	ADJ
ajbmeb-617	49	37	companies	company	NOUN
ajbmeb-617	49	38	,	,	PUNCT
ajbmeb-617	49	39	as	as	SCONJ
ajbmeb-617	49	40	through	through	ADP
ajbmeb-617	49	41	it	it	PRON
ajbmeb-617	49	42	work	work	NOUN
ajbmeb-617	49	43	efficiency	efficiency	NOUN
ajbmeb-617	49	44	is	be	AUX
ajbmeb-617	49	45	measured	measure	VERB
ajbmeb-617	49	46	,	,	PUNCT
ajbmeb-617	49	47	and	and	CCONJ
ajbmeb-617	49	48	profitability	profitability	NOUN
ajbmeb-617	49	49	is	be	AUX
ajbmeb-617	49	50	the	the	DET
ajbmeb-617	49	51	reason	reason	NOUN
ajbmeb-617	49	52	for	for	ADP
ajbmeb-617	49	53	the	the	DET
ajbmeb-617	49	54	existence	existence	NOUN
ajbmeb-617	49	55	of	of	ADP
ajbmeb-617	49	56	organizations	organization	NOUN
ajbmeb-617	49	57	that	that	PRON
ajbmeb-617	49	58	work	work	VERB
ajbmeb-617	49	59	for	for	ADP
ajbmeb-617	49	60	profit	profit	NOUN
ajbmeb-617	49	61	,	,	PUNCT
ajbmeb-617	49	62	and	and	CCONJ
ajbmeb-617	49	63	the	the	DET
ajbmeb-617	49	64	most	most	ADV
ajbmeb-617	49	65	prominent	prominent	ADJ
ajbmeb-617	49	66	of	of	ADP
ajbmeb-617	49	67	these	these	DET
ajbmeb-617	49	68	organizations	organization	NOUN
ajbmeb-617	49	69	are	be	AUX
ajbmeb-617	49	70	banks	bank	NOUN
ajbmeb-617	49	71	(	(	PUNCT
ajbmeb-617	49	72	caliskan	caliskan	PROPN
ajbmeb-617	49	73	&	&	CCONJ
ajbmeb-617	49	74	lecuna	lecuna	PROPN
ajbmeb-617	49	75	,	,	PUNCT
ajbmeb-617	49	76	2020	2020	NUM
ajbmeb-617	49	77	:	:	PUNCT
ajbmeb-617	49	78	162	162	NUM
ajbmeb-617	49	79	)	)	PUNCT
ajbmeb-617	49	80	.	.	PUNCT
ajbmeb-617	50	1	therefore	therefore	ADV
ajbmeb-617	50	2	,	,	PUNCT
ajbmeb-617	50	3	it	it	PRON
ajbmeb-617	50	4	is	be	AUX
ajbmeb-617	50	5	defined	define	VERB
ajbmeb-617	50	6	as	as	ADP
ajbmeb-617	50	7	the	the	DET
ajbmeb-617	50	8	basic	basic	ADJ
ajbmeb-617	50	9	measure	measure	NOUN
ajbmeb-617	50	10	that	that	PRON
ajbmeb-617	50	11	reflects	reflect	VERB
ajbmeb-617	50	12	the	the	DET
ajbmeb-617	50	13	overall	overall	ADJ
ajbmeb-617	50	14	success	success	NOUN
ajbmeb-617	50	15	of	of	ADP
ajbmeb-617	50	16	the	the	DET
ajbmeb-617	50	17	bank	bank	NOUN
ajbmeb-617	50	18	,	,	PUNCT
ajbmeb-617	50	19	which	which	PRON
ajbmeb-617	50	20	consists	consist	VERB
ajbmeb-617	50	21	of	of	ADP
ajbmeb-617	50	22	a	a	DET
ajbmeb-617	50	23	set	set	NOUN
ajbmeb-617	50	24	of	of	ADP
ajbmeb-617	50	25	different	different	ADJ
ajbmeb-617	50	26	ratios	ratio	NOUN
ajbmeb-617	50	27	that	that	PRON
ajbmeb-617	50	28	express	express	VERB
ajbmeb-617	50	29	the	the	DET
ajbmeb-617	50	30	bank	bank	NOUN
ajbmeb-617	50	31	's	's	PART
ajbmeb-617	50	32	ability	ability	NOUN
ajbmeb-617	50	33	to	to	PART
ajbmeb-617	50	34	achieve	achieve	VERB
ajbmeb-617	50	35	profits	profit	NOUN
ajbmeb-617	50	36	,	,	PUNCT
ajbmeb-617	50	37	in	in	ADP
ajbmeb-617	50	38	which	which	PRON
ajbmeb-617	50	39	shareholders	shareholder	NOUN
ajbmeb-617	50	40	,	,	PUNCT
ajbmeb-617	50	41	management	management	NOUN
ajbmeb-617	50	42	,	,	PUNCT
ajbmeb-617	50	43	depositors	depositor	NOUN
ajbmeb-617	50	44	,	,	PUNCT
ajbmeb-617	50	45	and	and	CCONJ
ajbmeb-617	50	46	investors	investor	NOUN
ajbmeb-617	50	47	are	be	AUX
ajbmeb-617	50	48	interested	interested	ADJ
ajbmeb-617	50	49	.	.	PUNCT
ajbmeb-617	51	1	(	(	PUNCT
ajbmeb-617	51	2	khalaf	khalaf	PROPN
ajbmeb-617	51	3	,	,	PUNCT
ajbmeb-617	51	4	2021	2021	NUM
ajbmeb-617	51	5	:	:	PUNCT
ajbmeb-617	51	6	56	56	NUM
ajbmeb-617	51	7	)	)	PUNCT
ajbmeb-617	51	8	.	.	PUNCT
ajbmeb-617	52	1	or	or	CCONJ
ajbmeb-617	52	2	it	it	PRON
ajbmeb-617	52	3	is	be	AUX
ajbmeb-617	52	4	the	the	DET
ajbmeb-617	52	5	indicator	indicator	NOUN
ajbmeb-617	52	6	to	to	PART
ajbmeb-617	52	7	measure	measure	VERB
ajbmeb-617	52	8	the	the	DET
ajbmeb-617	52	9	bank	bank	NOUN
ajbmeb-617	52	10	’s	’s	PART
ajbmeb-617	52	11	ability	ability	NOUN
ajbmeb-617	52	12	to	to	PART
ajbmeb-617	52	13	achieve	achieve	VERB
ajbmeb-617	52	14	an	an	DET
ajbmeb-617	52	15	appropriate	appropriate	ADJ
ajbmeb-617	52	16	return	return	NOUN
ajbmeb-617	52	17	on	on	ADP
ajbmeb-617	52	18	the	the	DET
ajbmeb-617	52	19	money	money	NOUN
ajbmeb-617	52	20	invested	invest	VERB
ajbmeb-617	52	21	in	in	ADP
ajbmeb-617	52	22	its	its	PRON
ajbmeb-617	52	23	activities	activity	NOUN
ajbmeb-617	52	24	,	,	PUNCT
ajbmeb-617	52	25	and	and	CCONJ
ajbmeb-617	52	26	this	this	DET
ajbmeb-617	52	27	indicator	indicator	NOUN
ajbmeb-617	52	28	shows	show	VERB
ajbmeb-617	52	29	the	the	DET
ajbmeb-617	52	30	actual	actual	ADJ
ajbmeb-617	52	31	results	result	NOUN
ajbmeb-617	52	32	of	of	ADP
ajbmeb-617	52	33	the	the	DET
ajbmeb-617	52	34	competitive	competitive	ADJ
ajbmeb-617	52	35	position	position	NOUN
ajbmeb-617	52	36	of	of	ADP
ajbmeb-617	52	37	shareholders	shareholder	NOUN
ajbmeb-617	52	38	and	and	CCONJ
ajbmeb-617	52	39	customers	customer	NOUN
ajbmeb-617	52	40	(	(	PUNCT
ajbmeb-617	52	41	hassoun	hassoun	NOUN
ajbmeb-617	52	42	and	and	CCONJ
ajbmeb-617	52	43	khalaf	khalaf	PROPN
ajbmeb-617	52	44	,	,	PUNCT
ajbmeb-617	52	45	2022	2022	NUM
ajbmeb-617	52	46	:	:	PUNCT
ajbmeb-617	52	47	301	301	NUM
ajbmeb-617	52	48	)	)	PUNCT
ajbmeb-617	52	49	.	.	PUNCT
ajbmeb-617	53	1	based	base	VERB
ajbmeb-617	53	2	on	on	ADP
ajbmeb-617	53	3	the	the	DET
ajbmeb-617	53	4	foregoing	foregoing	NOUN
ajbmeb-617	53	5	,	,	PUNCT
ajbmeb-617	53	6	it	it	PRON
ajbmeb-617	53	7	can	can	AUX
ajbmeb-617	53	8	be	be	AUX
ajbmeb-617	53	9	said	say	VERB
ajbmeb-617	53	10	that	that	SCONJ
ajbmeb-617	53	11	the	the	DET
ajbmeb-617	53	12	profitability	profitability	NOUN
ajbmeb-617	53	13	of	of	ADP
ajbmeb-617	53	14	commercial	commercial	ADJ
ajbmeb-617	53	15	banks	bank	NOUN
ajbmeb-617	53	16	is	be	AUX
ajbmeb-617	53	17	(	(	PUNCT
ajbmeb-617	53	18	the	the	DET
ajbmeb-617	53	19	ability	ability	NOUN
ajbmeb-617	53	20	of	of	ADP
ajbmeb-617	53	21	the	the	DET
ajbmeb-617	53	22	bank	bank	NOUN
ajbmeb-617	53	23	to	to	PART
ajbmeb-617	53	24	achieve	achieve	VERB
ajbmeb-617	53	25	profits	profit	NOUN
ajbmeb-617	53	26	through	through	ADP
ajbmeb-617	53	27	the	the	DET
ajbmeb-617	53	28	optimal	optimal	ADJ
ajbmeb-617	53	29	investment	investment	NOUN
ajbmeb-617	53	30	of	of	ADP
ajbmeb-617	53	31	the	the	DET
ajbmeb-617	53	32	bank	bank	NOUN
ajbmeb-617	53	33	’s	’s	PART
ajbmeb-617	53	34	resources	resource	NOUN
ajbmeb-617	53	35	,	,	PUNCT
ajbmeb-617	53	36	in	in	ADP
ajbmeb-617	53	37	a	a	DET
ajbmeb-617	53	38	manner	manner	NOUN
ajbmeb-617	53	39	that	that	PRON
ajbmeb-617	53	40	achieves	achieve	VERB
ajbmeb-617	53	41	a	a	DET
ajbmeb-617	53	42	return	return	NOUN
ajbmeb-617	53	43	commensurate	commensurate	ADJ
ajbmeb-617	53	44	with	with	ADP
ajbmeb-617	53	45	the	the	DET
ajbmeb-617	53	46	size	size	NOUN
ajbmeb-617	53	47	of	of	ADP
ajbmeb-617	53	48	the	the	DET
ajbmeb-617	53	49	bank	bank	NOUN
ajbmeb-617	53	50	’s	’s	PART
ajbmeb-617	53	51	resources	resource	NOUN
ajbmeb-617	53	52	in	in	ADP
ajbmeb-617	53	53	a	a	DET
ajbmeb-617	53	54	certain	certain	ADJ
ajbmeb-617	53	55	period	period	NOUN
ajbmeb-617	53	56	of	of	ADP
ajbmeb-617	53	57	time	time	NOUN
ajbmeb-617	53	58	,	,	PUNCT
ajbmeb-617	53	59	and	and	CCONJ
ajbmeb-617	53	60	profitability	profitability	NOUN
ajbmeb-617	53	61	is	be	AUX
ajbmeb-617	53	62	expressed	express	VERB
ajbmeb-617	53	63	in	in	ADP
ajbmeb-617	53	64	percentages	percentage	NOUN
ajbmeb-617	53	65	that	that	PRON
ajbmeb-617	53	66	represent	represent	VERB
ajbmeb-617	53	67	the	the	DET
ajbmeb-617	53	68	rate	rate	NOUN
ajbmeb-617	53	69	of	of	ADP
ajbmeb-617	53	70	return	return	NOUN
ajbmeb-617	53	71	on	on	ADP
ajbmeb-617	53	72	investment	investment	NOUN
ajbmeb-617	53	73	in	in	ADP
ajbmeb-617	53	74	a	a	DET
ajbmeb-617	53	75	specific	specific	ADJ
ajbmeb-617	53	76	resource	resource	NOUN
ajbmeb-617	53	77	of	of	ADP
ajbmeb-617	53	78	the	the	DET
ajbmeb-617	53	79	bank	bank	NOUN
ajbmeb-617	53	80	's	's	PART
ajbmeb-617	53	81	resources	resource	NOUN
ajbmeb-617	53	82	)	)	PUNCT
ajbmeb-617	53	83	.	.	PUNCT
ajbmeb-617	54	1	second	second	ADJ
ajbmeb-617	54	2	:	:	PUNCT
ajbmeb-617	54	3	indicators	indicator	NOUN
ajbmeb-617	54	4	for	for	ADP
ajbmeb-617	54	5	measuring	measure	VERB
ajbmeb-617	54	6	profitability	profitability	NOUN
ajbmeb-617	54	7	in	in	ADP
ajbmeb-617	54	8	commercial	commercial	ADJ
ajbmeb-617	54	9	banks	bank	NOUN
ajbmeb-617	54	10	there	there	PRON
ajbmeb-617	54	11	are	be	VERB
ajbmeb-617	54	12	many	many	ADJ
ajbmeb-617	54	13	indicators	indicator	NOUN
ajbmeb-617	54	14	of	of	ADP
ajbmeb-617	54	15	measuring	measure	VERB
ajbmeb-617	54	16	profitability	profitability	NOUN
ajbmeb-617	54	17	in	in	ADP
ajbmeb-617	54	18	commercial	commercial	ADJ
ajbmeb-617	54	19	banks	bank	NOUN
ajbmeb-617	54	20	.	.	PUNCT
ajbmeb-617	55	1	we	we	PRON
ajbmeb-617	55	2	will	will	AUX
ajbmeb-617	55	3	discuss	discuss	VERB
ajbmeb-617	55	4	four	four	NUM
ajbmeb-617	55	5	of	of	ADP
ajbmeb-617	55	6	the	the	DET
ajbmeb-617	55	7	most	most	ADV
ajbmeb-617	55	8	important	important	ADJ
ajbmeb-617	55	9	of	of	ADP
ajbmeb-617	55	10	these	these	DET
ajbmeb-617	55	11	indicators	indicator	NOUN
ajbmeb-617	55	12	,	,	PUNCT
ajbmeb-617	55	13	which	which	PRON
ajbmeb-617	55	14	will	will	AUX
ajbmeb-617	55	15	help	help	VERB
ajbmeb-617	55	16	us	we	PRON
ajbmeb-617	55	17	reach	reach	VERB
ajbmeb-617	55	18	the	the	DET
ajbmeb-617	55	19	results	result	NOUN
ajbmeb-617	55	20	and	and	CCONJ
ajbmeb-617	55	21	analyze	analyze	VERB
ajbmeb-617	55	22	them	they	PRON
ajbmeb-617	55	23	in	in	ADP
ajbmeb-617	55	24	the	the	DET
ajbmeb-617	55	25	practical	practical	ADJ
ajbmeb-617	55	26	aspect	aspect	NOUN
ajbmeb-617	55	27	of	of	ADP
ajbmeb-617	55	28	this	this	DET
ajbmeb-617	55	29	research	research	NOUN
ajbmeb-617	55	30	:	:	PUNCT
ajbmeb-617	55	31	the	the	DET
ajbmeb-617	55	32	rate	rate	NOUN
ajbmeb-617	55	33	of	of	ADP
ajbmeb-617	55	34	return	return	NOUN
ajbmeb-617	55	35	on	on	ADP
ajbmeb-617	55	36	assets	asset	NOUN
ajbmeb-617	55	37	(	(	PUNCT
ajbmeb-617	55	38	roa	roa	NOUN
ajbmeb-617	55	39	)	)	PUNCT
ajbmeb-617	55	40	the	the	DET
ajbmeb-617	55	41	rate	rate	NOUN
ajbmeb-617	55	42	of	of	ADP
ajbmeb-617	55	43	return	return	NOUN
ajbmeb-617	55	44	on	on	ADP
ajbmeb-617	55	45	assets	asset	NOUN
ajbmeb-617	55	46	is	be	AUX
ajbmeb-617	55	47	the	the	DET
ajbmeb-617	55	48	most	most	ADV
ajbmeb-617	55	49	used	use	VERB
ajbmeb-617	55	50	indicator	indicator	NOUN
ajbmeb-617	55	51	for	for	ADP
ajbmeb-617	55	52	measuring	measure	VERB
ajbmeb-617	55	53	financial	financial	ADJ
ajbmeb-617	55	54	performance	performance	NOUN
ajbmeb-617	55	55	in	in	ADP
ajbmeb-617	55	56	banks	bank	NOUN
ajbmeb-617	55	57	,	,	PUNCT
ajbmeb-617	55	58	which	which	PRON
ajbmeb-617	55	59	shows	show	VERB
ajbmeb-617	55	60	the	the	DET
ajbmeb-617	55	61	ability	ability	NOUN
ajbmeb-617	55	62	of	of	ADP
ajbmeb-617	55	63	bank	bank	NOUN
ajbmeb-617	55	64	management	management	NOUN
ajbmeb-617	55	65	to	to	PART
ajbmeb-617	55	66	achieve	achieve	VERB
ajbmeb-617	55	67	net	net	ADJ
ajbmeb-617	55	68	profits	profit	NOUN
ajbmeb-617	55	69	in	in	ADP
ajbmeb-617	55	70	terms	term	NOUN
ajbmeb-617	55	71	of	of	ADP
ajbmeb-617	55	72	investing	invest	VERB
ajbmeb-617	55	73	assets	asset	NOUN
ajbmeb-617	55	74	in	in	ADP
ajbmeb-617	55	75	loans	loan	NOUN
ajbmeb-617	55	76	and	and	CCONJ
ajbmeb-617	55	77	investments	investment	NOUN
ajbmeb-617	55	78	,	,	PUNCT
ajbmeb-617	55	79	which	which	PRON
ajbmeb-617	55	80	is	be	AUX
ajbmeb-617	55	81	defined	define	VERB
ajbmeb-617	55	82	as	as	ADP
ajbmeb-617	55	83	net	net	ADJ
ajbmeb-617	55	84	income	income	NOUN
ajbmeb-617	55	85	after	after	ADP
ajbmeb-617	55	86	interest	interest	NOUN
ajbmeb-617	55	87	and	and	CCONJ
ajbmeb-617	55	88	taxes	taxis	NOUN
ajbmeb-617	55	89	to	to	PART
ajbmeb-617	55	90	total	total	ADJ
ajbmeb-617	55	91	assets	asset	NOUN
ajbmeb-617	55	92	(	(	PUNCT
ajbmeb-617	55	93	do	do	AUX
ajbmeb-617	55	94	et	et	PROPN
ajbmeb-617	55	95	al	al	PROPN
ajbmeb-617	55	96	,	,	PUNCT
ajbmeb-617	55	97	2020	2020	NUM
ajbmeb-617	55	98	:	:	PUNCT
ajbmeb-617	55	99	375	375	NUM
ajbmeb-617	55	100	)	)	PUNCT
ajbmeb-617	55	101	.	.	PUNCT
ajbmeb-617	56	1	this	this	DET
ajbmeb-617	56	2	indicator	indicator	NOUN
ajbmeb-617	56	3	is	be	AUX
ajbmeb-617	56	4	calculated	calculate	VERB
ajbmeb-617	56	5	by	by	ADP
ajbmeb-617	56	6	measuring	measure	VERB
ajbmeb-617	56	7	net	net	ADJ
ajbmeb-617	56	8	profit	profit	NOUN
ajbmeb-617	56	9	after	after	ADP
ajbmeb-617	56	10	tax	tax	NOUN
ajbmeb-617	56	11	on	on	ADP
ajbmeb-617	56	12	total	total	ADJ
ajbmeb-617	56	13	assets	asset	NOUN
ajbmeb-617	56	14	,	,	PUNCT
ajbmeb-617	56	15	which	which	PRON
ajbmeb-617	56	16	expresses	express	VERB
ajbmeb-617	56	17	the	the	DET
ajbmeb-617	56	18	bank	bank	NOUN
ajbmeb-617	56	19	's	's	PART
ajbmeb-617	56	20	ability	ability	NOUN
ajbmeb-617	56	21	to	to	PART
ajbmeb-617	56	22	generate	generate	VERB
ajbmeb-617	56	23	profits	profit	NOUN
ajbmeb-617	56	24	by	by	ADP
ajbmeb-617	56	25	investing	invest	VERB
ajbmeb-617	56	26	in	in	ADP
ajbmeb-617	56	27	the	the	DET
ajbmeb-617	56	28	assets	asset	NOUN
ajbmeb-617	56	29	available	available	ADJ
ajbmeb-617	56	30	to	to	ADP
ajbmeb-617	56	31	the	the	DET
ajbmeb-617	56	32	bank	bank	NOUN
ajbmeb-617	56	33	,	,	PUNCT
ajbmeb-617	56	34	and	and	CCONJ
ajbmeb-617	56	35	is	be	AUX
ajbmeb-617	56	36	calculated	calculate	VERB
ajbmeb-617	56	37	according	accord	VERB
ajbmeb-617	56	38	to	to	ADP
ajbmeb-617	56	39	the	the	DET
ajbmeb-617	56	40	following	follow	VERB
ajbmeb-617	56	41	equation	equation	NOUN
ajbmeb-617	56	42	:	:	PUNCT
ajbmeb-617	56	43	(	(	PUNCT
ajbmeb-617	56	44	cao	cao	NOUN
ajbmeb-617	56	45	,	,	PUNCT
ajbmeb-617	56	46	2022	2022	NUM
ajbmeb-617	56	47	:	:	PUNCT
ajbmeb-617	56	48	15	15	NUM
ajbmeb-617	56	49	)	)	PUNCT
ajbmeb-617	56	50	the	the	DET
ajbmeb-617	56	51	average	average	ADJ
ajbmeb-617	56	52	return	return	NOUN
ajbmeb-617	56	53	on	on	ADP
ajbmeb-617	56	54	assets	asset	NOUN
ajbmeb-617	56	55	=	=	SYM
ajbmeb-617	56	56	(	(	PUNCT
ajbmeb-617	56	57	tax	tax	NOUN
ajbmeb-617	56	58	after	after	ADP
ajbmeb-617	56	59	net	net	ADJ
ajbmeb-617	56	60	profit	profit	NOUN
ajbmeb-617	56	61	)	)	PUNCT
ajbmeb-617	56	62	/	/	PUNCT
ajbmeb-617	57	1	(	(	PUNCT
ajbmeb-617	57	2	assets	asset	NOUN
ajbmeb-617	57	3	total	total	NOUN
ajbmeb-617	57	4	)	)	PUNCT
ajbmeb-617	57	5	x	x	SYM
ajbmeb-617	57	6	100	100	NUM
ajbmeb-617	57	7	2the	2the	NUM
ajbmeb-617	57	8	rate	rate	NOUN
ajbmeb-617	57	9	of	of	ADP
ajbmeb-617	57	10	return	return	NOUN
ajbmeb-617	57	11	on	on	ADP
ajbmeb-617	57	12	equity	equity	NOUN
ajbmeb-617	57	13	(	(	PUNCT
ajbmeb-617	57	14	roe	roe	PROPN
ajbmeb-617	57	15	)	)	PUNCT
ajbmeb-617	57	16	the	the	DET
ajbmeb-617	57	17	measure	measure	NOUN
ajbmeb-617	57	18	of	of	ADP
ajbmeb-617	57	19	return	return	NOUN
ajbmeb-617	57	20	on	on	ADP
ajbmeb-617	57	21	equity	equity	NOUN
ajbmeb-617	57	22	is	be	AUX
ajbmeb-617	57	23	an	an	DET
ajbmeb-617	57	24	important	important	ADJ
ajbmeb-617	57	25	indicator	indicator	NOUN
ajbmeb-617	57	26	to	to	PART
ajbmeb-617	57	27	show	show	VERB
ajbmeb-617	57	28	the	the	DET
ajbmeb-617	57	29	ability	ability	NOUN
ajbmeb-617	57	30	of	of	ADP
ajbmeb-617	57	31	the	the	DET
ajbmeb-617	57	32	bank	bank	NOUN
ajbmeb-617	57	33	’s	’s	PART
ajbmeb-617	57	34	management	management	NOUN
ajbmeb-617	57	35	to	to	PART
ajbmeb-617	57	36	achieve	achieve	VERB
ajbmeb-617	57	37	financial	financial	ADJ
ajbmeb-617	57	38	returns	return	NOUN
ajbmeb-617	57	39	on	on	ADP
ajbmeb-617	57	40	shareholders	shareholder	NOUN
ajbmeb-617	57	41	’	'	PUNCT
ajbmeb-617	57	42	investments	investment	NOUN
ajbmeb-617	57	43	,	,	PUNCT
ajbmeb-617	57	44	as	as	SCONJ
ajbmeb-617	57	45	it	it	PRON
ajbmeb-617	57	46	measures	measure	VERB
ajbmeb-617	57	47	the	the	DET
ajbmeb-617	57	48	number	number	NOUN
ajbmeb-617	57	49	of	of	ADP
ajbmeb-617	57	50	returns	return	NOUN
ajbmeb-617	57	51	that	that	PRON
ajbmeb-617	57	52	shareholders	shareholder	NOUN
ajbmeb-617	57	53	earn	earn	VERB
ajbmeb-617	57	54	from	from	ADP
ajbmeb-617	57	55	investing	invest	VERB
ajbmeb-617	57	56	their	their	PRON
ajbmeb-617	57	57	money	money	NOUN
ajbmeb-617	57	58	in	in	ADP
ajbmeb-617	57	59	the	the	DET
ajbmeb-617	57	60	bank	bank	NOUN
ajbmeb-617	57	61	,	,	PUNCT
ajbmeb-617	57	62	i.	i.	PROPN
ajbmeb-617	57	63	the	the	DET
ajbmeb-617	57	64	bank	bank	NOUN
ajbmeb-617	57	65	,	,	PUNCT
ajbmeb-617	57	66	that	that	ADV
ajbmeb-617	57	67	is	is	ADV
ajbmeb-617	57	68	,	,	PUNCT
ajbmeb-617	57	69	the	the	DET
ajbmeb-617	57	70	amount	amount	NOUN
ajbmeb-617	57	71	that	that	PRON
ajbmeb-617	57	72	the	the	DET
ajbmeb-617	57	73	bank	bank	NOUN
ajbmeb-617	57	74	american	american	PROPN
ajbmeb-617	57	75	journal	journal	PROPN
ajbmeb-617	57	76	of	of	ADP
ajbmeb-617	57	77	business	business	NOUN
ajbmeb-617	57	78	management	management	NOUN
ajbmeb-617	57	79	,	,	PUNCT
ajbmeb-617	57	80	economics	economic	NOUN
ajbmeb-617	57	81	and	and	CCONJ
ajbmeb-617	57	82	banking	banking	NOUN
ajbmeb-617	57	83	volume	volume	NOUN
ajbmeb-617	57	84	10	10	NUM
ajbmeb-617	57	85	march	march	NOUN
ajbmeb-617	57	86	,	,	PUNCT
ajbmeb-617	57	87	2023	2023	NUM
ajbmeb-617	57	88	p	p	NOUN
ajbmeb-617	57	89	a	a	DET
ajbmeb-617	57	90	g	g	NOUN
ajbmeb-617	57	91	e	e	NOUN
ajbmeb-617	57	92	|	|	ADV
ajbmeb-617	57	93	164	164	NUM
ajbmeb-617	57	94	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	57	95	earns	earn	VERB
ajbmeb-617	57	96	from	from	ADP
ajbmeb-617	57	97	their	their	PRON
ajbmeb-617	57	98	investments	investment	NOUN
ajbmeb-617	57	99	in	in	ADP
ajbmeb-617	57	100	stocks	stock	NOUN
ajbmeb-617	57	101	,	,	PUNCT
ajbmeb-617	57	102	and	and	CCONJ
ajbmeb-617	57	103	thus	thus	ADV
ajbmeb-617	57	104	the	the	DET
ajbmeb-617	57	105	return	return	NOUN
ajbmeb-617	57	106	on	on	ADP
ajbmeb-617	57	107	equity	equity	NOUN
ajbmeb-617	57	108	is	be	AUX
ajbmeb-617	57	109	defined	define	VERB
ajbmeb-617	57	110	as	as	ADP
ajbmeb-617	57	111	the	the	DET
ajbmeb-617	57	112	net	net	ADJ
ajbmeb-617	57	113	profit	profit	NOUN
ajbmeb-617	57	114	after	after	ADP
ajbmeb-617	57	115	taxes	taxis	NOUN
ajbmeb-617	57	116	for	for	ADP
ajbmeb-617	57	117	each	each	DET
ajbmeb-617	57	118	dinar	dinar	NOUN
ajbmeb-617	57	119	of	of	ADP
ajbmeb-617	57	120	the	the	DET
ajbmeb-617	57	121	bank	bank	NOUN
ajbmeb-617	57	122	’s	’s	PART
ajbmeb-617	57	123	capital	capital	NOUN
ajbmeb-617	57	124	(	(	PUNCT
ajbmeb-617	57	125	251	251	NUM
ajbmeb-617	57	126	,	,	PUNCT
ajbmeb-617	57	127	2019	2019	NUM
ajbmeb-617	57	128	:	:	PUNCT
ajbmeb-617	57	129	mishkin	mishkin	NOUN
ajbmeb-617	57	130	)	)	PUNCT
ajbmeb-617	57	131	.	.	PUNCT
ajbmeb-617	58	1	this	this	DET
ajbmeb-617	58	2	indicator	indicator	NOUN
ajbmeb-617	58	3	is	be	AUX
ajbmeb-617	58	4	considered	consider	VERB
ajbmeb-617	58	5	one	one	NUM
ajbmeb-617	58	6	of	of	ADP
ajbmeb-617	58	7	the	the	DET
ajbmeb-617	58	8	most	most	ADV
ajbmeb-617	58	9	important	important	ADJ
ajbmeb-617	58	10	indicators	indicator	NOUN
ajbmeb-617	58	11	for	for	ADP
ajbmeb-617	58	12	measuring	measure	VERB
ajbmeb-617	58	13	the	the	DET
ajbmeb-617	58	14	efficiency	efficiency	NOUN
ajbmeb-617	58	15	of	of	ADP
ajbmeb-617	58	16	using	use	VERB
ajbmeb-617	58	17	funds	fund	NOUN
ajbmeb-617	58	18	,	,	PUNCT
ajbmeb-617	58	19	as	as	SCONJ
ajbmeb-617	58	20	this	this	DET
ajbmeb-617	58	21	indicator	indicator	NOUN
ajbmeb-617	58	22	measures	measure	VERB
ajbmeb-617	58	23	the	the	DET
ajbmeb-617	58	24	efficiency	efficiency	NOUN
ajbmeb-617	58	25	of	of	ADP
ajbmeb-617	58	26	management	management	NOUN
ajbmeb-617	58	27	in	in	ADP
ajbmeb-617	58	28	the	the	DET
ajbmeb-617	58	29	optimal	optimal	ADJ
ajbmeb-617	58	30	exploitation	exploitation	NOUN
ajbmeb-617	58	31	of	of	ADP
ajbmeb-617	58	32	the	the	DET
ajbmeb-617	58	33	owners	owner	NOUN
ajbmeb-617	58	34	’	’	PART
ajbmeb-617	58	35	funds	fund	NOUN
ajbmeb-617	58	36	and	and	CCONJ
ajbmeb-617	58	37	the	the	DET
ajbmeb-617	58	38	ability	ability	NOUN
ajbmeb-617	58	39	of	of	ADP
ajbmeb-617	58	40	these	these	DET
ajbmeb-617	58	41	funds	fund	NOUN
ajbmeb-617	58	42	to	to	PART
ajbmeb-617	58	43	generate	generate	VERB
ajbmeb-617	58	44	profits	profit	NOUN
ajbmeb-617	58	45	(	(	PUNCT
ajbmeb-617	58	46	saeed	saeed	NOUN
ajbmeb-617	58	47	and	and	CCONJ
ajbmeb-617	58	48	hussein	hussein	PROPN
ajbmeb-617	58	49	,	,	PUNCT
ajbmeb-617	58	50	2022	2022	NUM
ajbmeb-617	58	51	:	:	PUNCT
ajbmeb-617	58	52	302	302	NUM
ajbmeb-617	58	53	)	)	PUNCT
ajbmeb-617	58	54	.	.	PUNCT
ajbmeb-617	59	1	it	it	PRON
ajbmeb-617	59	2	is	be	AUX
ajbmeb-617	59	3	calculated	calculate	VERB
ajbmeb-617	59	4	through	through	ADP
ajbmeb-617	59	5	the	the	DET
ajbmeb-617	59	6	following	follow	VERB
ajbmeb-617	59	7	equation	equation	NOUN
ajbmeb-617	59	8	:	:	PUNCT
ajbmeb-617	59	9	(	(	PUNCT
ajbmeb-617	59	10	cao	cao	NOUN
ajbmeb-617	59	11	,	,	PUNCT
ajbmeb-617	59	12	2022	2022	NUM
ajbmeb-617	59	13	:	:	PUNCT
ajbmeb-617	59	14	15	15	NUM
ajbmeb-617	59	15	)	)	PUNCT
ajbmeb-617	59	16	rate	rate	NOUN
ajbmeb-617	59	17	of	of	ADP
ajbmeb-617	59	18	return	return	NOUN
ajbmeb-617	59	19	on	on	ADP
ajbmeb-617	59	20	equity	equity	NOUN
ajbmeb-617	59	21	=	=	SYM
ajbmeb-617	59	22	(	(	PUNCT
ajbmeb-617	59	23	tax	tax	NOUN
ajbmeb-617	59	24	after	after	ADP
ajbmeb-617	59	25	profit	profit	NOUN
ajbmeb-617	59	26	net	net	NOUN
ajbmeb-617	59	27	)	)	PUNCT
ajbmeb-617	59	28	/	/	SYM
ajbmeb-617	59	29	(	(	PUNCT
ajbmeb-617	59	30	equity	equity	NOUN
ajbmeb-617	59	31	)	)	PUNCT
ajbmeb-617	59	32	x	x	SYM
ajbmeb-617	59	33	100	100	NUM
ajbmeb-617	59	34	3the	3the	NUM
ajbmeb-617	59	35	rate	rate	NOUN
ajbmeb-617	59	36	of	of	ADP
ajbmeb-617	59	37	return	return	NOUN
ajbmeb-617	59	38	on	on	ADP
ajbmeb-617	59	39	deposits	deposit	NOUN
ajbmeb-617	59	40	this	this	DET
ajbmeb-617	59	41	indicator	indicator	NOUN
ajbmeb-617	59	42	expresses	express	VERB
ajbmeb-617	59	43	the	the	DET
ajbmeb-617	59	44	extent	extent	NOUN
ajbmeb-617	59	45	of	of	ADP
ajbmeb-617	59	46	the	the	DET
ajbmeb-617	59	47	bank	bank	NOUN
ajbmeb-617	59	48	’s	’s	PART
ajbmeb-617	59	49	ability	ability	NOUN
ajbmeb-617	59	50	to	to	PART
ajbmeb-617	59	51	generate	generate	VERB
ajbmeb-617	59	52	profits	profit	NOUN
ajbmeb-617	59	53	in	in	ADP
ajbmeb-617	59	54	terms	term	NOUN
ajbmeb-617	59	55	of	of	ADP
ajbmeb-617	59	56	employing	employ	VERB
ajbmeb-617	59	57	customers	customer	NOUN
ajbmeb-617	59	58	’	’	PART
ajbmeb-617	59	59	deposits	deposit	NOUN
ajbmeb-617	59	60	in	in	ADP
ajbmeb-617	59	61	various	various	ADJ
ajbmeb-617	59	62	investment	investment	NOUN
ajbmeb-617	59	63	activities	activity	NOUN
ajbmeb-617	59	64	,	,	PUNCT
ajbmeb-617	59	65	which	which	PRON
ajbmeb-617	59	66	results	result	VERB
ajbmeb-617	59	67	in	in	ADP
ajbmeb-617	59	68	an	an	DET
ajbmeb-617	59	69	increase	increase	NOUN
ajbmeb-617	59	70	in	in	ADP
ajbmeb-617	59	71	the	the	DET
ajbmeb-617	59	72	bank	bank	NOUN
ajbmeb-617	59	73	’s	’s	PART
ajbmeb-617	59	74	returns	return	NOUN
ajbmeb-617	59	75	.	.	PUNCT
ajbmeb-617	60	1	the	the	DET
ajbmeb-617	60	2	return	return	NOUN
ajbmeb-617	60	3	on	on	ADP
ajbmeb-617	60	4	deposits	deposit	NOUN
ajbmeb-617	60	5	is	be	AUX
ajbmeb-617	60	6	calculated	calculate	VERB
ajbmeb-617	60	7	by	by	ADP
ajbmeb-617	60	8	dividing	divide	VERB
ajbmeb-617	60	9	the	the	DET
ajbmeb-617	60	10	profit	profit	NOUN
ajbmeb-617	60	11	after	after	ADP
ajbmeb-617	60	12	tax	tax	NOUN
ajbmeb-617	60	13	by	by	ADP
ajbmeb-617	60	14	the	the	DET
ajbmeb-617	60	15	total	total	ADJ
ajbmeb-617	60	16	deposits	deposit	NOUN
ajbmeb-617	60	17	(	(	PUNCT
ajbmeb-617	60	18	current	current	ADJ
ajbmeb-617	60	19	,	,	PUNCT
ajbmeb-617	60	20	savings	saving	NOUN
ajbmeb-617	60	21	,	,	PUNCT
ajbmeb-617	60	22	and	and	CCONJ
ajbmeb-617	60	23	fixed	fix	VERB
ajbmeb-617	60	24	)	)	PUNCT
ajbmeb-617	60	25	(	(	PUNCT
ajbmeb-617	60	26	rashm	rashm	NOUN
ajbmeb-617	60	27	et	et	PROPN
ajbmeb-617	60	28	al	al	PROPN
ajbmeb-617	60	29	.	.	PROPN
ajbmeb-617	60	30	,	,	PUNCT
ajbmeb-617	60	31	2020	2020	NUM
ajbmeb-617	60	32	:	:	PUNCT
ajbmeb-617	60	33	27	27	NUM
ajbmeb-617	60	34	)	)	PUNCT
ajbmeb-617	60	35	.	.	PUNCT
ajbmeb-617	61	1	it	it	PRON
ajbmeb-617	61	2	shows	show	VERB
ajbmeb-617	61	3	the	the	DET
ajbmeb-617	61	4	extent	extent	NOUN
ajbmeb-617	61	5	of	of	ADP
ajbmeb-617	61	6	the	the	DET
ajbmeb-617	61	7	bank	bank	NOUN
ajbmeb-617	61	8	's	's	PART
ajbmeb-617	61	9	ability	ability	NOUN
ajbmeb-617	61	10	to	to	PART
ajbmeb-617	61	11	compete	compete	VERB
ajbmeb-617	61	12	for	for	ADP
ajbmeb-617	61	13	funds	fund	NOUN
ajbmeb-617	61	14	,	,	PUNCT
ajbmeb-617	61	15	and	and	CCONJ
ajbmeb-617	61	16	the	the	DET
ajbmeb-617	61	17	high	high	ADJ
ajbmeb-617	61	18	rate	rate	NOUN
ajbmeb-617	61	19	of	of	ADP
ajbmeb-617	61	20	return	return	NOUN
ajbmeb-617	61	21	on	on	ADP
ajbmeb-617	61	22	assets	asset	NOUN
ajbmeb-617	61	23	indicates	indicate	VERB
ajbmeb-617	61	24	the	the	DET
ajbmeb-617	61	25	bank	bank	NOUN
ajbmeb-617	61	26	's	's	PART
ajbmeb-617	61	27	efficiency	efficiency	NOUN
ajbmeb-617	61	28	in	in	ADP
ajbmeb-617	61	29	collecting	collect	VERB
ajbmeb-617	61	30	deposits	deposit	NOUN
ajbmeb-617	61	31	and	and	CCONJ
ajbmeb-617	61	32	converting	convert	VERB
ajbmeb-617	61	33	them	they	PRON
ajbmeb-617	61	34	into	into	ADP
ajbmeb-617	61	35	profitable	profitable	ADJ
ajbmeb-617	61	36	investments	investment	NOUN
ajbmeb-617	61	37	.	.	PUNCT
ajbmeb-617	62	1	the	the	DET
ajbmeb-617	62	2	rate	rate	NOUN
ajbmeb-617	62	3	of	of	ADP
ajbmeb-617	62	4	return	return	NOUN
ajbmeb-617	62	5	on	on	ADP
ajbmeb-617	62	6	deposits	deposit	NOUN
ajbmeb-617	62	7	is	be	AUX
ajbmeb-617	62	8	calculated	calculate	VERB
ajbmeb-617	62	9	from	from	ADP
ajbmeb-617	62	10	the	the	DET
ajbmeb-617	62	11	following	follow	VERB
ajbmeb-617	62	12	equation	equation	NOUN
ajbmeb-617	62	13	:	:	PUNCT
ajbmeb-617	62	14	(	(	PUNCT
ajbmeb-617	62	15	sabti	sabti	NOUN
ajbmeb-617	62	16	,	,	PUNCT
ajbmeb-617	62	17	2020	2020	NUM
ajbmeb-617	62	18	:	:	PUNCT
ajbmeb-617	62	19	68	68	NUM
ajbmeb-617	62	20	)	)	PUNCT
ajbmeb-617	62	21	the	the	DET
ajbmeb-617	62	22	average	average	ADJ
ajbmeb-617	62	23	return	return	NOUN
ajbmeb-617	62	24	on	on	ADP
ajbmeb-617	62	25	deposits	deposit	NOUN
ajbmeb-617	62	26	=	=	SYM
ajbmeb-617	62	27	(	(	PUNCT
ajbmeb-617	62	28	tax	tax	NOUN
ajbmeb-617	62	29	after	after	ADP
ajbmeb-617	62	30	net	net	ADJ
ajbmeb-617	62	31	profit	profit	NOUN
ajbmeb-617	62	32	)	)	PUNCT
ajbmeb-617	62	33	/	/	PUNCT
ajbmeb-617	62	34	(	(	PUNCT
ajbmeb-617	62	35	deposits	deposit	NOUN
ajbmeb-617	62	36	total	total	NOUN
ajbmeb-617	62	37	)	)	PUNCT
ajbmeb-617	62	38	x	x	SYM
ajbmeb-617	62	39	100	100	NUM
ajbmeb-617	62	40	4the	4the	NUM
ajbmeb-617	62	41	rate	rate	NOUN
ajbmeb-617	62	42	of	of	ADP
ajbmeb-617	62	43	return	return	NOUN
ajbmeb-617	62	44	funds	fund	NOUN
ajbmeb-617	62	45	available	available	ADJ
ajbmeb-617	62	46	for	for	ADP
ajbmeb-617	62	47	employment	employment	NOUN
ajbmeb-617	62	48	this	this	DET
ajbmeb-617	62	49	rate	rate	NOUN
ajbmeb-617	62	50	measures	measure	VERB
ajbmeb-617	62	51	the	the	DET
ajbmeb-617	62	52	ratio	ratio	NOUN
ajbmeb-617	62	53	of	of	ADP
ajbmeb-617	62	54	the	the	DET
ajbmeb-617	62	55	net	net	ADJ
ajbmeb-617	62	56	income	income	NOUN
ajbmeb-617	62	57	generated	generate	VERB
ajbmeb-617	62	58	to	to	ADP
ajbmeb-617	62	59	the	the	DET
ajbmeb-617	62	60	total	total	ADJ
ajbmeb-617	62	61	resources	resource	NOUN
ajbmeb-617	62	62	available	available	ADJ
ajbmeb-617	62	63	for	for	ADP
ajbmeb-617	62	64	employees	employee	NOUN
ajbmeb-617	62	65	represented	represent	VERB
ajbmeb-617	62	66	in	in	ADP
ajbmeb-617	62	67	deposits	deposit	NOUN
ajbmeb-617	62	68	and	and	CCONJ
ajbmeb-617	62	69	equity	equity	NOUN
ajbmeb-617	62	70	.	.	PUNCT
ajbmeb-617	63	1	this	this	DET
ajbmeb-617	63	2	rate	rate	NOUN
ajbmeb-617	63	3	is	be	AUX
ajbmeb-617	63	4	calculated	calculate	VERB
ajbmeb-617	63	5	by	by	ADP
ajbmeb-617	63	6	dividing	divide	VERB
ajbmeb-617	63	7	the	the	DET
ajbmeb-617	63	8	net	net	ADJ
ajbmeb-617	63	9	profit	profit	NOUN
ajbmeb-617	63	10	after	after	ADP
ajbmeb-617	63	11	tax	tax	NOUN
ajbmeb-617	63	12	on	on	ADP
ajbmeb-617	63	13	equity	equity	NOUN
ajbmeb-617	63	14	and	and	CCONJ
ajbmeb-617	63	15	total	total	ADJ
ajbmeb-617	63	16	deposits	deposit	NOUN
ajbmeb-617	63	17	.	.	PUNCT
ajbmeb-617	64	1	this	this	DET
ajbmeb-617	64	2	rate	rate	NOUN
ajbmeb-617	64	3	shows	show	VERB
ajbmeb-617	64	4	the	the	DET
ajbmeb-617	64	5	ratio	ratio	NOUN
ajbmeb-617	64	6	of	of	ADP
ajbmeb-617	64	7	net	net	ADJ
ajbmeb-617	64	8	profit	profit	NOUN
ajbmeb-617	64	9	achieved	achieve	VERB
ajbmeb-617	64	10	to	to	ADP
ajbmeb-617	64	11	the	the	DET
ajbmeb-617	64	12	sum	sum	NOUN
ajbmeb-617	64	13	of	of	ADP
ajbmeb-617	64	14	each	each	PRON
ajbmeb-617	64	15	of	of	ADP
ajbmeb-617	64	16	equity	equity	NOUN
ajbmeb-617	64	17	and	and	CCONJ
ajbmeb-617	64	18	deposit	deposit	NOUN
ajbmeb-617	64	19	.	.	PUNCT
ajbmeb-617	65	1	it	it	PRON
ajbmeb-617	65	2	is	be	AUX
ajbmeb-617	65	3	explained	explain	VERB
ajbmeb-617	65	4	in	in	ADP
ajbmeb-617	65	5	the	the	DET
ajbmeb-617	65	6	following	following	ADJ
ajbmeb-617	65	7	mathematical	mathematical	ADJ
ajbmeb-617	65	8	formula	formula	NOUN
ajbmeb-617	65	9	:	:	PUNCT
ajbmeb-617	65	10	(	(	PUNCT
ajbmeb-617	65	11	majid	majid	PROPN
ajbmeb-617	65	12	,	,	PUNCT
ajbmeb-617	65	13	2020	2020	NUM
ajbmeb-617	65	14	:	:	PUNCT
ajbmeb-617	65	15	95	95	NUM
ajbmeb-617	65	16	)	)	PUNCT
ajbmeb-617	65	17	return	return	NOUN
ajbmeb-617	65	18	on	on	ADP
ajbmeb-617	65	19	funds	fund	NOUN
ajbmeb-617	65	20	available	available	ADJ
ajbmeb-617	65	21	for	for	ADP
ajbmeb-617	65	22	employment	employment	NOUN
ajbmeb-617	65	23	=	=	SYM
ajbmeb-617	65	24	(	(	PUNCT
ajbmeb-617	65	25	net	net	ADJ
ajbmeb-617	65	26	profit	profit	NOUN
ajbmeb-617	65	27	)	)	PUNCT
ajbmeb-617	65	28	/	/	PUNCT
ajbmeb-617	66	1	(	(	PUNCT
ajbmeb-617	66	2	total	total	ADJ
ajbmeb-617	66	3	deposits	deposit	NOUN
ajbmeb-617	66	4	+	+	CCONJ
ajbmeb-617	66	5	property	property	NOUN
ajbmeb-617	66	6	rights	right	NOUN
ajbmeb-617	66	7	)	)	PUNCT
ajbmeb-617	66	8	x	x	SYM
ajbmeb-617	66	9	100	100	NUM
ajbmeb-617	66	10	the	the	DET
ajbmeb-617	66	11	third	third	ADJ
ajbmeb-617	66	12	section	section	NOUN
ajbmeb-617	66	13	:	:	PUNCT
ajbmeb-617	66	14	the	the	DET
ajbmeb-617	66	15	practical	practical	ADJ
ajbmeb-617	66	16	framework	framework	NOUN
ajbmeb-617	66	17	the	the	DET
ajbmeb-617	66	18	first	first	ADJ
ajbmeb-617	66	19	requirement	requirement	NOUN
ajbmeb-617	66	20	:	:	PUNCT
ajbmeb-617	66	21	an	an	DET
ajbmeb-617	66	22	overview	overview	NOUN
ajbmeb-617	66	23	of	of	ADP
ajbmeb-617	66	24	the	the	DET
ajbmeb-617	66	25	iraqi	iraqi	ADJ
ajbmeb-617	66	26	private	private	ADJ
ajbmeb-617	66	27	commercial	commercial	ADJ
ajbmeb-617	66	28	banks	bank	NOUN
ajbmeb-617	66	29	,	,	PUNCT
ajbmeb-617	66	30	the	the	DET
ajbmeb-617	66	31	study	study	NOUN
ajbmeb-617	66	32	sample	sample	NOUN
ajbmeb-617	66	33	first	first	ADV
ajbmeb-617	66	34	:	:	PUNCT
ajbmeb-617	66	35	the	the	DET
ajbmeb-617	66	36	iraqi	iraqi	ADJ
ajbmeb-617	66	37	credit	credit	NOUN
ajbmeb-617	66	38	bank	bank	NOUN
ajbmeb-617	66	39	the	the	DET
ajbmeb-617	66	40	credit	credit	NOUN
ajbmeb-617	66	41	bank	bank	PROPN
ajbmeb-617	66	42	of	of	ADP
ajbmeb-617	66	43	iraq	iraq	PROPN
ajbmeb-617	66	44	was	be	AUX
ajbmeb-617	66	45	established	establish	VERB
ajbmeb-617	66	46	on	on	ADP
ajbmeb-617	66	47	25.7.1998	25.7.1998	NUM
ajbmeb-617	66	48	by	by	ADP
ajbmeb-617	66	49	ancient	ancient	ADJ
ajbmeb-617	66	50	iraqi	iraqi	ADJ
ajbmeb-617	66	51	commercial	commercial	ADJ
ajbmeb-617	66	52	families	family	NOUN
ajbmeb-617	66	53	.	.	PUNCT
ajbmeb-617	67	1	the	the	DET
ajbmeb-617	67	2	capital	capital	NOUN
ajbmeb-617	67	3	upon	upon	SCONJ
ajbmeb-617	67	4	incorporation	incorporation	NOUN
ajbmeb-617	67	5	amounted	amount	VERB
ajbmeb-617	67	6	to	to	ADP
ajbmeb-617	67	7	(	(	PUNCT
ajbmeb-617	67	8	200	200	NUM
ajbmeb-617	67	9	)	)	SYM
ajbmeb-617	67	10	million	million	NUM
ajbmeb-617	67	11	dinars	dinar	NOUN
ajbmeb-617	67	12	.	.	PUNCT
ajbmeb-617	68	1	on	on	ADP
ajbmeb-617	68	2	8.7.2004	8.7.2004	NUM
ajbmeb-617	68	3	,	,	PUNCT
ajbmeb-617	68	4	the	the	DET
ajbmeb-617	68	5	bank	bank	NOUN
ajbmeb-617	68	6	’s	’s	PART
ajbmeb-617	68	7	shares	share	NOUN
ajbmeb-617	68	8	were	be	AUX
ajbmeb-617	68	9	listed	list	VERB
ajbmeb-617	68	10	in	in	ADP
ajbmeb-617	68	11	the	the	DET
ajbmeb-617	68	12	iraq	iraq	PROPN
ajbmeb-617	68	13	stock	stock	NOUN
ajbmeb-617	68	14	exchange	exchange	PROPN
ajbmeb-617	68	15	,	,	PUNCT
ajbmeb-617	68	16	where	where	SCONJ
ajbmeb-617	68	17	the	the	DET
ajbmeb-617	68	18	capital	capital	NOUN
ajbmeb-617	68	19	on	on	ADP
ajbmeb-617	68	20	the	the	DET
ajbmeb-617	68	21	date	date	NOUN
ajbmeb-617	68	22	of	of	ADP
ajbmeb-617	68	23	listing	listing	NOUN
ajbmeb-617	68	24	was	be	AUX
ajbmeb-617	68	25	(	(	PUNCT
ajbmeb-617	68	26	1600	1600	NUM
ajbmeb-617	68	27	)	)	PUNCT
ajbmeb-617	68	28	million	million	NUM
ajbmeb-617	68	29	dinars	dinar	NOUN
ajbmeb-617	68	30	,	,	PUNCT
ajbmeb-617	68	31	while	while	SCONJ
ajbmeb-617	68	32	the	the	DET
ajbmeb-617	68	33	current	current	ADJ
ajbmeb-617	68	34	capital	capital	NOUN
ajbmeb-617	68	35	amounted	amount	VERB
ajbmeb-617	68	36	to	to	ADP
ajbmeb-617	68	37	(	(	PUNCT
ajbmeb-617	68	38	250000	250000	NUM
ajbmeb-617	68	39	)	)	PUNCT
ajbmeb-617	68	40	million	million	NUM
ajbmeb-617	68	41	dinars	dinar	NOUN
ajbmeb-617	68	42	,	,	PUNCT
ajbmeb-617	68	43	and	and	CCONJ
ajbmeb-617	68	44	the	the	DET
ajbmeb-617	68	45	nominal	nominal	ADJ
ajbmeb-617	68	46	value	value	NOUN
ajbmeb-617	68	47	of	of	ADP
ajbmeb-617	68	48	the	the	DET
ajbmeb-617	68	49	share	share	NOUN
ajbmeb-617	68	50	is	be	AUX
ajbmeb-617	68	51	1	1	NUM
ajbmeb-617	68	52	iraqi	iraqi	ADJ
ajbmeb-617	68	53	dinar	dinar	PROPN
ajbmeb-617	68	54	.	.	PUNCT
ajbmeb-617	69	1	second	second	ADV
ajbmeb-617	69	2	:	:	PUNCT
ajbmeb-617	69	3	the	the	DET
ajbmeb-617	69	4	international	international	PROPN
ajbmeb-617	69	5	development	development	PROPN
ajbmeb-617	69	6	bank	bank	PROPN
ajbmeb-617	69	7	for	for	ADP
ajbmeb-617	69	8	investment	investment	NOUN
ajbmeb-617	69	9	and	and	CCONJ
ajbmeb-617	69	10	finance	finance	VERB
ajbmeb-617	69	11	the	the	DET
ajbmeb-617	69	12	international	international	PROPN
ajbmeb-617	69	13	development	development	PROPN
ajbmeb-617	69	14	bank	bank	PROPN
ajbmeb-617	69	15	was	be	AUX
ajbmeb-617	69	16	established	establish	VERB
ajbmeb-617	69	17	in	in	ADP
ajbmeb-617	69	18	2011	2011	NUM
ajbmeb-617	69	19	with	with	ADP
ajbmeb-617	69	20	a	a	DET
ajbmeb-617	69	21	capital	capital	NOUN
ajbmeb-617	69	22	of	of	ADP
ajbmeb-617	69	23	(	(	PUNCT
ajbmeb-617	69	24	100,000	100,000	NUM
ajbmeb-617	69	25	)	)	PUNCT
ajbmeb-617	69	26	million	million	NUM
ajbmeb-617	69	27	iraqi	iraqi	ADJ
ajbmeb-617	69	28	dinars	dinar	NOUN
ajbmeb-617	69	29	.	.	PUNCT
ajbmeb-617	70	1	2015	2015	NUM
ajbmeb-617	70	2	)	)	PUNCT
ajbmeb-617	71	1	to	to	PART
ajbmeb-617	71	2	become	become	VERB
ajbmeb-617	71	3	,	,	PUNCT
ajbmeb-617	71	4	with	with	ADP
ajbmeb-617	71	5	a	a	DET
ajbmeb-617	71	6	paid	pay	VERB
ajbmeb-617	71	7	-	-	PUNCT
ajbmeb-617	71	8	up	up	ADP
ajbmeb-617	71	9	capital	capital	NOUN
ajbmeb-617	71	10	of	of	ADP
ajbmeb-617	71	11	(	(	PUNCT
ajbmeb-617	71	12	250,000	250,000	NUM
ajbmeb-617	71	13	)	)	PUNCT
ajbmeb-617	71	14	million	million	NUM
ajbmeb-617	71	15	iraqi	iraqi	ADJ
ajbmeb-617	71	16	dinars	dinar	NOUN
ajbmeb-617	71	17	,	,	PUNCT
ajbmeb-617	71	18	and	and	CCONJ
ajbmeb-617	71	19	quickly	quickly	ADV
ajbmeb-617	71	20	became	become	VERB
ajbmeb-617	71	21	one	one	NUM
ajbmeb-617	71	22	of	of	ADP
ajbmeb-617	71	23	the	the	DET
ajbmeb-617	71	24	leading	lead	VERB
ajbmeb-617	71	25	banks	bank	NOUN
ajbmeb-617	71	26	at	at	ADP
ajbmeb-617	71	27	the	the	DET
ajbmeb-617	71	28	local	local	ADJ
ajbmeb-617	71	29	and	and	CCONJ
ajbmeb-617	71	30	regional	regional	ADJ
ajbmeb-617	71	31	levels	level	NOUN
ajbmeb-617	71	32	,	,	PUNCT
ajbmeb-617	71	33	as	as	SCONJ
ajbmeb-617	71	34	it	it	PRON
ajbmeb-617	71	35	provides	provide	VERB
ajbmeb-617	71	36	advanced	advanced	ADJ
ajbmeb-617	71	37	banking	banking	NOUN
ajbmeb-617	71	38	services	service	NOUN
ajbmeb-617	71	39	to	to	ADP
ajbmeb-617	71	40	all	all	DET
ajbmeb-617	71	41	its	its	PRON
ajbmeb-617	71	42	customers	customer	NOUN
ajbmeb-617	71	43	at	at	ADP
ajbmeb-617	71	44	the	the	DET
ajbmeb-617	71	45	level	level	NOUN
ajbmeb-617	71	46	of	of	ADP
ajbmeb-617	71	47	the	the	DET
ajbmeb-617	71	48	individual	individual	ADJ
ajbmeb-617	71	49	and	and	CCONJ
ajbmeb-617	71	50	corporate	corporate	ADJ
ajbmeb-617	71	51	sectors	sector	NOUN
ajbmeb-617	71	52	.	.	PUNCT
ajbmeb-617	72	1	the	the	DET
ajbmeb-617	72	2	second	second	ADJ
ajbmeb-617	72	3	requirement	requirement	NOUN
ajbmeb-617	72	4	:	:	PUNCT
ajbmeb-617	72	5	the	the	DET
ajbmeb-617	72	6	reality	reality	NOUN
ajbmeb-617	72	7	of	of	ADP
ajbmeb-617	72	8	diversifying	diversify	VERB
ajbmeb-617	72	9	banking	banking	NOUN
ajbmeb-617	72	10	services	service	NOUN
ajbmeb-617	72	11	in	in	ADP
ajbmeb-617	72	12	the	the	DET
ajbmeb-617	72	13	iraqi	iraqi	ADJ
ajbmeb-617	72	14	private	private	ADJ
ajbmeb-617	72	15	commercial	commercial	ADJ
ajbmeb-617	72	16	banks	bank	NOUN
ajbmeb-617	72	17	,	,	PUNCT
ajbmeb-617	72	18	the	the	DET
ajbmeb-617	72	19	study	study	NOUN
ajbmeb-617	72	20	sample	sample	NOUN
ajbmeb-617	72	21	,	,	PUNCT
ajbmeb-617	72	22	and	and	CCONJ
ajbmeb-617	72	23	the	the	DET
ajbmeb-617	72	24	study	study	NOUN
ajbmeb-617	72	25	for	for	ADP
ajbmeb-617	72	26	the	the	DET
ajbmeb-617	72	27	period	period	NOUN
ajbmeb-617	72	28	(	(	PUNCT
ajbmeb-617	72	29	2016	2016	NUM
ajbmeb-617	72	30	-	-	SYM
ajbmeb-617	72	31	2021	2021	NUM
ajbmeb-617	72	32	)	)	PUNCT
ajbmeb-617	72	33	first	first	ADV
ajbmeb-617	72	34	:	:	PUNCT
ajbmeb-617	72	35	the	the	DET
ajbmeb-617	72	36	reality	reality	NOUN
ajbmeb-617	72	37	of	of	ADP
ajbmeb-617	72	38	diversifying	diversify	VERB
ajbmeb-617	72	39	banking	banking	NOUN
ajbmeb-617	72	40	services	service	NOUN
ajbmeb-617	72	41	in	in	ADP
ajbmeb-617	72	42	the	the	DET
ajbmeb-617	72	43	iraqi	iraqi	ADJ
ajbmeb-617	72	44	credit	credit	NOUN
ajbmeb-617	72	45	bank	bank	PROPN
ajbmeb-617	72	46	the	the	DET
ajbmeb-617	72	47	iraqi	iraqi	ADJ
ajbmeb-617	72	48	credit	credit	NOUN
ajbmeb-617	72	49	bank	bank	NOUN
ajbmeb-617	72	50	provides	provide	VERB
ajbmeb-617	72	51	limited	limited	ADJ
ajbmeb-617	72	52	services	service	NOUN
ajbmeb-617	72	53	,	,	PUNCT
ajbmeb-617	72	54	and	and	CCONJ
ajbmeb-617	72	55	as	as	SCONJ
ajbmeb-617	72	56	shown	show	VERB
ajbmeb-617	72	57	in	in	ADP
ajbmeb-617	72	58	table	table	NOUN
ajbmeb-617	72	59	(	(	PUNCT
ajbmeb-617	72	60	2	2	NUM
ajbmeb-617	72	61	)	)	PUNCT
ajbmeb-617	72	62	,	,	PUNCT
ajbmeb-617	72	63	it	it	PRON
ajbmeb-617	72	64	is	be	AUX
ajbmeb-617	72	65	considered	consider	VERB
ajbmeb-617	72	66	late	late	ADJ
ajbmeb-617	72	67	and	and	CCONJ
ajbmeb-617	72	68	fluctuating	fluctuate	VERB
ajbmeb-617	72	69	in	in	ADP
ajbmeb-617	72	70	its	its	PRON
ajbmeb-617	72	71	diversification	diversification	NOUN
ajbmeb-617	72	72	in	in	ADP
ajbmeb-617	72	73	the	the	DET
ajbmeb-617	72	74	banking	banking	NOUN
ajbmeb-617	72	75	services	service	NOUN
ajbmeb-617	72	76	it	it	PRON
ajbmeb-617	72	77	provides	provide	VERB
ajbmeb-617	72	78	to	to	ADP
ajbmeb-617	72	79	its	its	PRON
ajbmeb-617	72	80	customers	customer	NOUN
ajbmeb-617	72	81	compared	compare	VERB
ajbmeb-617	72	82	to	to	ADP
ajbmeb-617	72	83	the	the	DET
ajbmeb-617	72	84	international	international	PROPN
ajbmeb-617	72	85	development	development	PROPN
ajbmeb-617	72	86	bank	bank	PROPN
ajbmeb-617	72	87	,	,	PUNCT
ajbmeb-617	72	88	and	and	CCONJ
ajbmeb-617	72	89	the	the	DET
ajbmeb-617	72	90	bank	bank	NOUN
ajbmeb-617	72	91	also	also	ADV
ajbmeb-617	72	92	started	start	VERB
ajbmeb-617	72	93	using	use	VERB
ajbmeb-617	72	94	modern	modern	ADJ
ajbmeb-617	72	95	technologies	technology	NOUN
ajbmeb-617	72	96	in	in	ADP
ajbmeb-617	72	97	completing	complete	VERB
ajbmeb-617	72	98	its	its	PRON
ajbmeb-617	72	99	work	work	NOUN
ajbmeb-617	72	100	late	late	ADV
ajbmeb-617	72	101	as	as	ADV
ajbmeb-617	72	102	well	well	ADV
ajbmeb-617	72	103	compared	compare	VERB
ajbmeb-617	72	104	to	to	ADP
ajbmeb-617	72	105	the	the	DET
ajbmeb-617	72	106	international	international	PROPN
ajbmeb-617	72	107	development	development	PROPN
ajbmeb-617	72	108	bank	bank	PROPN
ajbmeb-617	72	109	,	,	PUNCT
ajbmeb-617	72	110	and	and	CCONJ
ajbmeb-617	72	111	since	since	SCONJ
ajbmeb-617	72	112	the	the	DET
ajbmeb-617	72	113	bank	bank	NOUN
ajbmeb-617	72	114	was	be	AUX
ajbmeb-617	72	115	fluctuating	fluctuate	VERB
ajbmeb-617	72	116	in	in	ADP
ajbmeb-617	72	117	its	its	PRON
ajbmeb-617	72	118	diversification	diversification	NOUN
ajbmeb-617	72	119	of	of	ADP
ajbmeb-617	72	120	the	the	DET
ajbmeb-617	72	121	banking	banking	NOUN
ajbmeb-617	72	122	services	service	NOUN
ajbmeb-617	72	123	it	it	PRON
ajbmeb-617	72	124	provided	provide	VERB
ajbmeb-617	72	125	to	to	ADP
ajbmeb-617	72	126	its	its	PRON
ajbmeb-617	72	127	customers	customer	NOUN
ajbmeb-617	72	128	,	,	PUNCT
ajbmeb-617	72	129	so	so	SCONJ
ajbmeb-617	72	130	the	the	DET
ajbmeb-617	72	131	researchers	researcher	NOUN
ajbmeb-617	72	132	must	must	AUX
ajbmeb-617	72	133	clarify	clarify	VERB
ajbmeb-617	72	134	this	this	DET
ajbmeb-617	72	135	fluctuation	fluctuation	NOUN
ajbmeb-617	72	136	by	by	ADP
ajbmeb-617	72	137	addressing	address	VERB
ajbmeb-617	72	138	the	the	DET
ajbmeb-617	72	139	reality	reality	NOUN
ajbmeb-617	72	140	of	of	ADP
ajbmeb-617	72	141	diversification	diversification	NOUN
ajbmeb-617	72	142	in	in	ADP
ajbmeb-617	72	143	the	the	DET
ajbmeb-617	72	144	banking	banking	NOUN
ajbmeb-617	72	145	services	service	NOUN
ajbmeb-617	72	146	of	of	ADP
ajbmeb-617	72	147	the	the	DET
ajbmeb-617	72	148	american	american	ADJ
ajbmeb-617	72	149	journal	journal	PROPN
ajbmeb-617	72	150	of	of	ADP
ajbmeb-617	72	151	business	business	NOUN
ajbmeb-617	72	152	management	management	NOUN
ajbmeb-617	72	153	,	,	PUNCT
ajbmeb-617	72	154	economics	economic	NOUN
ajbmeb-617	72	155	and	and	CCONJ
ajbmeb-617	72	156	banking	banking	NOUN
ajbmeb-617	72	157	volume	volume	NOUN
ajbmeb-617	72	158	10	10	NUM
ajbmeb-617	72	159	march	march	NOUN
ajbmeb-617	72	160	,	,	PUNCT
ajbmeb-617	72	161	2023	2023	NUM
ajbmeb-617	72	162	p	p	NOUN
ajbmeb-617	72	163	a	a	DET
ajbmeb-617	72	164	g	g	NOUN
ajbmeb-617	72	165	e	e	NOUN
ajbmeb-617	72	166	|	|	NOUN
ajbmeb-617	72	167	165	165	NUM
ajbmeb-617	72	168	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-617	72	169	bank	bank	NOUN
ajbmeb-617	72	170	,	,	PUNCT
ajbmeb-617	72	171	as	as	SCONJ
ajbmeb-617	72	172	shown	show	VERB
ajbmeb-617	72	173	in	in	ADP
ajbmeb-617	72	174	table	table	NOUN
ajbmeb-617	72	175	(	(	PUNCT
ajbmeb-617	72	176	2	2	NUM
ajbmeb-617	72	177	)	)	PUNCT
ajbmeb-617	72	178	,	,	PUNCT
ajbmeb-617	72	179	and	and	CCONJ
ajbmeb-617	72	180	it	it	PRON
ajbmeb-617	72	181	began	begin	VERB
ajbmeb-617	72	182	with	with	ADP
ajbmeb-617	72	183	the	the	DET
ajbmeb-617	72	184	deposit	deposit	NOUN
ajbmeb-617	72	185	acceptance	acceptance	NOUN
ajbmeb-617	72	186	service	service	NOUN
ajbmeb-617	72	187	,	,	PUNCT
ajbmeb-617	72	188	where	where	SCONJ
ajbmeb-617	72	189	the	the	DET
ajbmeb-617	72	190	bank	bank	NOUN
ajbmeb-617	72	191	accepted	accept	VERB
ajbmeb-617	72	192	all	all	DET
ajbmeb-617	72	193	types	type	NOUN
ajbmeb-617	72	194	of	of	ADP
ajbmeb-617	72	195	deposits	deposit	NOUN
ajbmeb-617	72	196	throughout	throughout	ADP
ajbmeb-617	72	197	the	the	DET
ajbmeb-617	72	198	study	study	NOUN
ajbmeb-617	72	199	period	period	NOUN
ajbmeb-617	72	200	,	,	PUNCT
ajbmeb-617	72	201	with	with	ADP
ajbmeb-617	72	202	regard	regard	NOUN
ajbmeb-617	72	203	to	to	ADP
ajbmeb-617	72	204	granting	grant	VERB
ajbmeb-617	72	205	credit	credit	NOUN
ajbmeb-617	72	206	facilities	facility	NOUN
ajbmeb-617	72	207	,	,	PUNCT
ajbmeb-617	72	208	we	we	PRON
ajbmeb-617	72	209	start	start	VERB
ajbmeb-617	72	210	with	with	ADP
ajbmeb-617	72	211	cash	cash	NOUN
ajbmeb-617	72	212	credit	credit	NOUN
ajbmeb-617	72	213	,	,	PUNCT
ajbmeb-617	72	214	as	as	SCONJ
ajbmeb-617	72	215	the	the	DET
ajbmeb-617	72	216	bank	bank	NOUN
ajbmeb-617	72	217	did	do	AUX
ajbmeb-617	72	218	not	not	PART
ajbmeb-617	72	219	grant	grant	VERB
ajbmeb-617	72	220	loans	loan	NOUN
ajbmeb-617	72	221	and	and	CCONJ
ajbmeb-617	72	222	the	the	DET
ajbmeb-617	72	223	debit	debit	NOUN
ajbmeb-617	72	224	current	current	ADJ
ajbmeb-617	72	225	account	account	NOUN
ajbmeb-617	72	226	throughout	throughout	ADP
ajbmeb-617	72	227	the	the	DET
ajbmeb-617	72	228	study	study	NOUN
ajbmeb-617	72	229	period	period	NOUN
ajbmeb-617	72	230	,	,	PUNCT
ajbmeb-617	72	231	but	but	CCONJ
ajbmeb-617	72	232	it	it	PRON
ajbmeb-617	72	233	began	begin	VERB
ajbmeb-617	72	234	dealing	deal	VERB
ajbmeb-617	72	235	in	in	ADP
ajbmeb-617	72	236	discounted	discount	VERB
ajbmeb-617	72	237	commercial	commercial	ADJ
ajbmeb-617	72	238	papers	paper	NOUN
ajbmeb-617	72	239	in	in	ADP
ajbmeb-617	72	240	2018	2018	NUM
ajbmeb-617	72	241	,	,	PUNCT
ajbmeb-617	72	242	and	and	CCONJ
ajbmeb-617	72	243	with	with	ADP
ajbmeb-617	72	244	regard	regard	NOUN
ajbmeb-617	72	245	to	to	PART
ajbmeb-617	72	246	pledge	pledge	VERB
ajbmeb-617	72	247	credit	credit	NOUN
ajbmeb-617	72	248	,	,	PUNCT
ajbmeb-617	72	249	the	the	DET
ajbmeb-617	72	250	bank	bank	NOUN
ajbmeb-617	72	251	provided	provide	VERB
ajbmeb-617	72	252	this	this	DET
ajbmeb-617	72	253	service	service	NOUN
ajbmeb-617	72	254	and	and	CCONJ
ajbmeb-617	72	255	its	its	PRON
ajbmeb-617	72	256	two	two	NUM
ajbmeb-617	72	257	types	type	NOUN
ajbmeb-617	72	258	of	of	ADP
ajbmeb-617	72	259	documentary	documentary	NOUN
ajbmeb-617	72	260	credits	credit	NOUN
ajbmeb-617	72	261	and	and	CCONJ
ajbmeb-617	72	262	letters	letter	NOUN
ajbmeb-617	72	263	of	of	ADP
ajbmeb-617	72	264	guarantee	guarantee	NOUN
ajbmeb-617	72	265	,	,	PUNCT
ajbmeb-617	72	266	but	but	CCONJ
ajbmeb-617	72	267	with	with	ADP
ajbmeb-617	72	268	fluctuating	fluctuate	VERB
ajbmeb-617	72	269	periods	period	NOUN
ajbmeb-617	72	270	and	and	CCONJ
ajbmeb-617	72	271	not	not	PART
ajbmeb-617	72	272	on	on	ADP
ajbmeb-617	72	273	the	the	DET
ajbmeb-617	72	274	length	length	NOUN
ajbmeb-617	72	275	of	of	ADP
ajbmeb-617	72	276	the	the	DET
ajbmeb-617	72	277	study	study	NOUN
ajbmeb-617	72	278	period	period	NOUN
ajbmeb-617	72	279	,	,	PUNCT
ajbmeb-617	72	280	and	and	CCONJ
ajbmeb-617	72	281	with	with	ADP
ajbmeb-617	72	282	regard	regard	NOUN
ajbmeb-617	72	283	to	to	ADP
ajbmeb-617	72	284	electronic	electronic	ADJ
ajbmeb-617	72	285	services	service	NOUN
ajbmeb-617	72	286	,	,	PUNCT
ajbmeb-617	72	287	the	the	DET
ajbmeb-617	72	288	bank	bank	NOUN
ajbmeb-617	72	289	began	begin	VERB
ajbmeb-617	72	290	to	to	PART
ajbmeb-617	72	291	provide	provide	VERB
ajbmeb-617	72	292	them	they	PRON
ajbmeb-617	72	293	in	in	ADP
ajbmeb-617	72	294	the	the	DET
ajbmeb-617	72	295	year	year	NOUN
ajbmeb-617	72	296	2018	2018	NUM
ajbmeb-617	72	297	,	,	PUNCT
ajbmeb-617	72	298	whether	whether	SCONJ
ajbmeb-617	72	299	for	for	ADP
ajbmeb-617	72	300	individuals	individual	NOUN
ajbmeb-617	72	301	or	or	CCONJ
ajbmeb-617	72	302	companies	company	NOUN
ajbmeb-617	72	303	,	,	PUNCT
ajbmeb-617	72	304	and	and	CCONJ
ajbmeb-617	72	305	with	with	ADP
ajbmeb-617	72	306	regard	regard	NOUN
ajbmeb-617	72	307	to	to	ADP
ajbmeb-617	72	308	investments	investment	NOUN
ajbmeb-617	72	309	,	,	PUNCT
ajbmeb-617	72	310	it	it	PRON
ajbmeb-617	72	311	has	have	VERB
ajbmeb-617	72	312	the	the	DET
ajbmeb-617	72	313	bank	bank	NOUN
ajbmeb-617	72	314	invested	invest	VERB
ajbmeb-617	72	315	in	in	ADP
ajbmeb-617	72	316	a	a	DET
ajbmeb-617	72	317	fluctuating	fluctuate	VERB
ajbmeb-617	72	318	manner	manner	NOUN
ajbmeb-617	72	319	and	and	CCONJ
ajbmeb-617	72	320	not	not	PART
ajbmeb-617	72	321	over	over	ADP
ajbmeb-617	72	322	the	the	DET
ajbmeb-617	72	323	length	length	NOUN
ajbmeb-617	72	324	of	of	ADP
ajbmeb-617	72	325	the	the	DET
ajbmeb-617	72	326	study	study	NOUN
ajbmeb-617	72	327	period	period	NOUN
ajbmeb-617	72	328	,	,	PUNCT
ajbmeb-617	72	329	and	and	CCONJ
ajbmeb-617	72	330	with	with	ADP
ajbmeb-617	72	331	regard	regard	NOUN
ajbmeb-617	72	332	to	to	ADP
ajbmeb-617	72	333	remittances	remittance	NOUN
ajbmeb-617	72	334	,	,	PUNCT
ajbmeb-617	72	335	the	the	DET
ajbmeb-617	72	336	bank	bank	NOUN
ajbmeb-617	72	337	began	begin	VERB
ajbmeb-617	72	338	to	to	PART
ajbmeb-617	72	339	present	present	VERB
ajbmeb-617	72	340	them	they	PRON
ajbmeb-617	72	341	in	in	ADP
ajbmeb-617	72	342	2018	2018	NUM
ajbmeb-617	72	343	and	and	CCONJ
ajbmeb-617	72	344	of	of	ADP
ajbmeb-617	72	345	both	both	CCONJ
ajbmeb-617	72	346	internal	internal	ADJ
ajbmeb-617	72	347	and	and	CCONJ
ajbmeb-617	72	348	external	external	ADJ
ajbmeb-617	72	349	types	type	NOUN
ajbmeb-617	72	350	,	,	PUNCT
ajbmeb-617	72	351	but	but	CCONJ
ajbmeb-617	72	352	stopped	stop	VERB
ajbmeb-617	72	353	presenting	present	VERB
ajbmeb-617	72	354	them	they	PRON
ajbmeb-617	72	355	in	in	ADP
ajbmeb-617	72	356	2019	2019	NUM
ajbmeb-617	72	357	,	,	PUNCT
ajbmeb-617	72	358	then	then	ADV
ajbmeb-617	72	359	returned	return	VERB
ajbmeb-617	72	360	to	to	ADP
ajbmeb-617	72	361	presenting	present	VERB
ajbmeb-617	72	362	them	they	PRON
ajbmeb-617	72	363	in	in	ADP
ajbmeb-617	72	364	2020	2020	NUM
ajbmeb-617	72	365	and	and	CCONJ
ajbmeb-617	72	366	2021	2021	NUM
ajbmeb-617	72	367	,	,	PUNCT
ajbmeb-617	72	368	and	and	CCONJ
ajbmeb-617	72	369	with	with	ADP
ajbmeb-617	72	370	regard	regard	NOUN
ajbmeb-617	72	371	to	to	ADP
ajbmeb-617	72	372	the	the	DET
ajbmeb-617	72	373	window	window	NOUN
ajbmeb-617	72	374	for	for	ADP
ajbmeb-617	72	375	buying	buy	VERB
ajbmeb-617	72	376	and	and	CCONJ
ajbmeb-617	72	377	selling	sell	VERB
ajbmeb-617	72	378	foreign	foreign	ADJ
ajbmeb-617	72	379	currencies	currency	NOUN
ajbmeb-617	72	380	through	through	ADP
ajbmeb-617	72	381	the	the	DET
ajbmeb-617	72	382	central	central	ADJ
ajbmeb-617	72	383	bank	bank	PROPN
ajbmeb-617	72	384	the	the	DET
ajbmeb-617	72	385	iraqi	iraqi	ADJ
ajbmeb-617	72	386	bank	bank	NOUN
ajbmeb-617	72	387	began	begin	VERB
ajbmeb-617	72	388	to	to	PART
ajbmeb-617	72	389	deal	deal	VERB
ajbmeb-617	72	390	with	with	ADP
ajbmeb-617	72	391	it	it	PRON
ajbmeb-617	72	392	in	in	ADP
ajbmeb-617	72	393	2017	2017	NUM
ajbmeb-617	72	394	and	and	CCONJ
ajbmeb-617	72	395	continued	continue	VERB
ajbmeb-617	72	396	to	to	PART
ajbmeb-617	72	397	provide	provide	VERB
ajbmeb-617	72	398	it	it	PRON
ajbmeb-617	72	399	in	in	ADP
ajbmeb-617	72	400	2018	2018	NUM
ajbmeb-617	72	401	,	,	PUNCT
ajbmeb-617	72	402	but	but	CCONJ
ajbmeb-617	72	403	after	after	ADP
ajbmeb-617	72	404	this	this	DET
ajbmeb-617	72	405	year	year	NOUN
ajbmeb-617	72	406	until	until	ADP
ajbmeb-617	72	407	the	the	DET
ajbmeb-617	72	408	end	end	NOUN
ajbmeb-617	72	409	of	of	ADP
ajbmeb-617	72	410	the	the	DET
ajbmeb-617	72	411	study	study	NOUN
ajbmeb-617	72	412	period	period	NOUN
ajbmeb-617	72	413	,	,	PUNCT
ajbmeb-617	72	414	dealing	deal	VERB
ajbmeb-617	72	415	with	with	ADP
ajbmeb-617	72	416	it	it	PRON
ajbmeb-617	72	417	was	be	AUX
ajbmeb-617	72	418	fluctuating	fluctuate	VERB
ajbmeb-617	72	419	and	and	CCONJ
ajbmeb-617	72	420	not	not	PART
ajbmeb-617	72	421	over	over	ADP
ajbmeb-617	72	422	the	the	DET
ajbmeb-617	72	423	length	length	NOUN
ajbmeb-617	72	424	of	of	ADP
ajbmeb-617	72	425	the	the	DET
ajbmeb-617	72	426	study	study	NOUN
ajbmeb-617	72	427	period	period	NOUN
ajbmeb-617	72	428	,	,	PUNCT
ajbmeb-617	72	429	and	and	CCONJ
ajbmeb-617	72	430	with	with	ADP
ajbmeb-617	72	431	regard	regard	NOUN
ajbmeb-617	72	432	to	to	ADP
ajbmeb-617	72	433	deposit	deposit	NOUN
ajbmeb-617	72	434	insurance	insurance	NOUN
ajbmeb-617	72	435	,	,	PUNCT
ajbmeb-617	72	436	the	the	DET
ajbmeb-617	72	437	bank	bank	NOUN
ajbmeb-617	72	438	began	begin	VERB
ajbmeb-617	72	439	contributing	contribute	VERB
ajbmeb-617	72	440	to	to	ADP
ajbmeb-617	72	441	the	the	DET
ajbmeb-617	72	442	iraqi	iraqi	ADJ
ajbmeb-617	72	443	deposit	deposit	NOUN
ajbmeb-617	72	444	insurance	insurance	NOUN
ajbmeb-617	72	445	company	company	NOUN
ajbmeb-617	72	446	in	in	ADP
ajbmeb-617	72	447	2020	2020	NUM
ajbmeb-617	72	448	,	,	PUNCT
ajbmeb-617	72	449	with	with	ADP
ajbmeb-617	72	450	regard	regard	NOUN
ajbmeb-617	72	451	to	to	ADP
ajbmeb-617	72	452	brokerage	brokerage	NOUN
ajbmeb-617	72	453	,	,	PUNCT
ajbmeb-617	72	454	the	the	DET
ajbmeb-617	72	455	bank	bank	NOUN
ajbmeb-617	72	456	began	begin	VERB
ajbmeb-617	72	457	to	to	PART
ajbmeb-617	72	458	provide	provide	VERB
ajbmeb-617	72	459	this	this	DET
ajbmeb-617	72	460	service	service	NOUN
ajbmeb-617	72	461	by	by	ADP
ajbmeb-617	72	462	mediating	mediate	VERB
ajbmeb-617	72	463	the	the	DET
ajbmeb-617	72	464	sale	sale	NOUN
ajbmeb-617	72	465	and	and	CCONJ
ajbmeb-617	72	466	purchase	purchase	NOUN
ajbmeb-617	72	467	of	of	ADP
ajbmeb-617	72	468	shares	share	NOUN
ajbmeb-617	72	469	in	in	ADP
ajbmeb-617	72	470	2018	2018	NUM
ajbmeb-617	72	471	,	,	PUNCT
ajbmeb-617	72	472	but	but	CCONJ
ajbmeb-617	72	473	after	after	ADP
ajbmeb-617	72	474	this	this	DET
ajbmeb-617	72	475	year	year	NOUN
ajbmeb-617	72	476	it	it	PRON
ajbmeb-617	72	477	fluctuated	fluctuate	VERB
ajbmeb-617	72	478	in	in	ADP
ajbmeb-617	72	479	providing	provide	VERB
ajbmeb-617	72	480	it	it	PRON
ajbmeb-617	72	481	,	,	PUNCT
ajbmeb-617	72	482	and	and	CCONJ
ajbmeb-617	72	483	with	with	ADP
ajbmeb-617	72	484	regard	regard	NOUN
ajbmeb-617	72	485	to	to	ADP
ajbmeb-617	72	486	the	the	DET
ajbmeb-617	72	487	salary	salary	NOUN
ajbmeb-617	72	488	settlement	settlement	NOUN
ajbmeb-617	72	489	service	service	NOUN
ajbmeb-617	72	490	,	,	PUNCT
ajbmeb-617	72	491	the	the	DET
ajbmeb-617	72	492	bank	bank	NOUN
ajbmeb-617	72	493	did	do	AUX
ajbmeb-617	72	494	not	not	PART
ajbmeb-617	72	495	provide	provide	VERB
ajbmeb-617	72	496	it	it	PRON
ajbmeb-617	72	497	at	at	ADV
ajbmeb-617	72	498	all	all	ADV
ajbmeb-617	72	499	during	during	ADP
ajbmeb-617	72	500	the	the	DET
ajbmeb-617	72	501	study	study	NOUN
ajbmeb-617	72	502	period	period	NOUN
ajbmeb-617	72	503	.	.	PUNCT
ajbmeb-617	73	1	second	second	ADV
ajbmeb-617	73	2	:	:	PUNCT
ajbmeb-617	73	3	the	the	DET
ajbmeb-617	73	4	reality	reality	NOUN
ajbmeb-617	73	5	of	of	ADP
ajbmeb-617	73	6	diversification	diversification	NOUN
ajbmeb-617	73	7	of	of	ADP
ajbmeb-617	73	8	banking	banking	NOUN
ajbmeb-617	73	9	services	service	NOUN
ajbmeb-617	73	10	in	in	ADP
ajbmeb-617	73	11	the	the	DET
ajbmeb-617	73	12	international	international	PROPN
ajbmeb-617	73	13	development	development	PROPN
ajbmeb-617	73	14	bank	bank	PROPN
ajbmeb-617	73	15	the	the	DET
ajbmeb-617	73	16	development	development	NOUN
ajbmeb-617	73	17	bank	bank	PROPN
ajbmeb-617	73	18	is	be	AUX
ajbmeb-617	73	19	considered	consider	VERB
ajbmeb-617	73	20	to	to	PART
ajbmeb-617	73	21	be	be	AUX
ajbmeb-617	73	22	distinguished	distinguish	VERB
ajbmeb-617	73	23	in	in	ADP
ajbmeb-617	73	24	the	the	DET
ajbmeb-617	73	25	development	development	NOUN
ajbmeb-617	73	26	and	and	CCONJ
ajbmeb-617	73	27	diversification	diversification	NOUN
ajbmeb-617	73	28	of	of	ADP
ajbmeb-617	73	29	banking	banking	NOUN
ajbmeb-617	73	30	services	service	NOUN
ajbmeb-617	73	31	provided	provide	VERB
ajbmeb-617	73	32	to	to	ADP
ajbmeb-617	73	33	customers	customer	NOUN
ajbmeb-617	73	34	,	,	PUNCT
ajbmeb-617	73	35	and	and	CCONJ
ajbmeb-617	73	36	this	this	PRON
ajbmeb-617	73	37	was	be	AUX
ajbmeb-617	73	38	evident	evident	ADJ
ajbmeb-617	73	39	in	in	ADP
ajbmeb-617	73	40	the	the	DET
ajbmeb-617	73	41	annual	annual	ADJ
ajbmeb-617	73	42	reports	report	NOUN
ajbmeb-617	73	43	of	of	ADP
ajbmeb-617	73	44	the	the	DET
ajbmeb-617	73	45	bank	bank	NOUN
ajbmeb-617	73	46	in	in	ADP
ajbmeb-617	73	47	the	the	DET
ajbmeb-617	73	48	years	year	NOUN
ajbmeb-617	73	49	that	that	PRON
ajbmeb-617	73	50	pertain	pertain	VERB
ajbmeb-617	73	51	to	to	ADP
ajbmeb-617	73	52	the	the	DET
ajbmeb-617	73	53	period	period	NOUN
ajbmeb-617	73	54	of	of	ADP
ajbmeb-617	73	55	study	study	NOUN
ajbmeb-617	73	56	,	,	PUNCT
ajbmeb-617	73	57	as	as	SCONJ
ajbmeb-617	73	58	it	it	PRON
ajbmeb-617	73	59	is	be	AUX
ajbmeb-617	73	60	keen	keen	ADJ
ajbmeb-617	73	61	to	to	PART
ajbmeb-617	73	62	transfer	transfer	VERB
ajbmeb-617	73	63	the	the	DET
ajbmeb-617	73	64	experiences	experience	NOUN
ajbmeb-617	73	65	of	of	ADP
ajbmeb-617	73	66	leading	lead	VERB
ajbmeb-617	73	67	banks	bank	NOUN
ajbmeb-617	73	68	and	and	CCONJ
ajbmeb-617	73	69	to	to	PART
ajbmeb-617	73	70	create	create	VERB
ajbmeb-617	73	71	new	new	ADJ
ajbmeb-617	73	72	electronic	electronic	ADJ
ajbmeb-617	73	73	banking	banking	NOUN
ajbmeb-617	73	74	services	service	NOUN
ajbmeb-617	73	75	that	that	PRON
ajbmeb-617	73	76	are	be	AUX
ajbmeb-617	73	77	in	in	ADP
ajbmeb-617	73	78	line	line	NOUN
ajbmeb-617	73	79	with	with	ADP
ajbmeb-617	73	80	the	the	DET
ajbmeb-617	73	81	requirements	requirement	NOUN
ajbmeb-617	73	82	of	of	ADP
ajbmeb-617	73	83	the	the	DET
ajbmeb-617	73	84	iraqi	iraqi	ADJ
ajbmeb-617	73	85	economy	economy	NOUN
ajbmeb-617	73	86	in	in	ADP
ajbmeb-617	73	87	general	general	ADJ
ajbmeb-617	73	88	and	and	CCONJ
ajbmeb-617	73	89	the	the	DET
ajbmeb-617	73	90	iraqi	iraqi	ADJ
ajbmeb-617	73	91	banking	banking	NOUN
ajbmeb-617	73	92	sector	sector	NOUN
ajbmeb-617	73	93	in	in	ADP
ajbmeb-617	73	94	particular	particular	ADJ
ajbmeb-617	73	95	private	private	ADJ
ajbmeb-617	73	96	.	.	PUNCT
ajbmeb-617	74	1	where	where	SCONJ
ajbmeb-617	74	2	the	the	DET
ajbmeb-617	74	3	main	main	ADJ
ajbmeb-617	74	4	objective	objective	NOUN
ajbmeb-617	74	5	of	of	ADP
ajbmeb-617	74	6	the	the	DET
ajbmeb-617	74	7	bank	bank	NOUN
ajbmeb-617	74	8	is	be	AUX
ajbmeb-617	74	9	to	to	PART
ajbmeb-617	74	10	become	become	VERB
ajbmeb-617	74	11	the	the	DET
ajbmeb-617	74	12	most	most	ADV
ajbmeb-617	74	13	innovative	innovative	ADJ
ajbmeb-617	74	14	and	and	CCONJ
ajbmeb-617	74	15	technologically	technologically	ADV
ajbmeb-617	74	16	advanced	advanced	ADJ
ajbmeb-617	74	17	in	in	ADP
ajbmeb-617	74	18	iraq	iraq	PROPN
ajbmeb-617	74	19	by	by	ADP
ajbmeb-617	74	20	diversifying	diversify	VERB
ajbmeb-617	74	21	banking	banking	NOUN
ajbmeb-617	74	22	services	service	NOUN
ajbmeb-617	74	23	by	by	ADP
ajbmeb-617	74	24	providing	provide	VERB
ajbmeb-617	74	25	the	the	DET
ajbmeb-617	74	26	latest	late	ADJ
ajbmeb-617	74	27	technology	technology	NOUN
ajbmeb-617	74	28	of	of	ADP
ajbmeb-617	74	29	transactions	transaction	NOUN
ajbmeb-617	74	30	and	and	CCONJ
ajbmeb-617	74	31	electronic	electronic	ADJ
ajbmeb-617	74	32	banking	banking	NOUN
ajbmeb-617	74	33	services	service	NOUN
ajbmeb-617	74	34	to	to	ADP
ajbmeb-617	74	35	its	its	PRON
ajbmeb-617	74	36	customers	customer	NOUN
ajbmeb-617	74	37	.	.	PUNCT
ajbmeb-617	75	1	the	the	DET
ajbmeb-617	75	2	bank	bank	NOUN
ajbmeb-617	75	3	,	,	PUNCT
ajbmeb-617	75	4	as	as	ADP
ajbmeb-617	75	5	one	one	NUM
ajbmeb-617	75	6	of	of	ADP
ajbmeb-617	75	7	the	the	DET
ajbmeb-617	75	8	pioneering	pioneer	VERB
ajbmeb-617	75	9	banks	bank	NOUN
ajbmeb-617	75	10	in	in	ADP
ajbmeb-617	75	11	using	use	VERB
ajbmeb-617	75	12	electronic	electronic	ADJ
ajbmeb-617	75	13	banking	banking	NOUN
ajbmeb-617	75	14	services	service	NOUN
ajbmeb-617	75	15	and	and	CCONJ
ajbmeb-617	75	16	transactions	transaction	NOUN
ajbmeb-617	75	17	in	in	ADP
ajbmeb-617	75	18	iraq	iraq	PROPN
ajbmeb-617	75	19	,	,	PUNCT
ajbmeb-617	75	20	seeks	seek	VERB
ajbmeb-617	75	21	to	to	PART
ajbmeb-617	75	22	facilitate	facilitate	VERB
ajbmeb-617	75	23	banking	banking	NOUN
ajbmeb-617	75	24	dealings	dealing	NOUN
ajbmeb-617	75	25	and	and	CCONJ
ajbmeb-617	75	26	make	make	VERB
ajbmeb-617	75	27	it	it	PRON
ajbmeb-617	75	28	accessible	accessible	ADJ
ajbmeb-617	75	29	to	to	ADP
ajbmeb-617	75	30	all	all	DET
ajbmeb-617	75	31	iraqis	iraqis	PROPN
ajbmeb-617	75	32	inside	inside	ADP
ajbmeb-617	75	33	and	and	CCONJ
ajbmeb-617	75	34	outside	outside	ADP
ajbmeb-617	75	35	iraq	iraq	PROPN
ajbmeb-617	75	36	.	.	PUNCT
ajbmeb-617	76	1	the	the	DET
ajbmeb-617	76	2	board	board	NOUN
ajbmeb-617	76	3	of	of	ADP
ajbmeb-617	76	4	directors	director	NOUN
ajbmeb-617	76	5	has	have	AUX
ajbmeb-617	76	6	determined	determine	VERB
ajbmeb-617	76	7	that	that	SCONJ
ajbmeb-617	76	8	the	the	DET
ajbmeb-617	76	9	various	various	ADJ
ajbmeb-617	76	10	banking	banking	NOUN
ajbmeb-617	76	11	services	service	NOUN
ajbmeb-617	76	12	provided	provide	VERB
ajbmeb-617	76	13	by	by	ADP
ajbmeb-617	76	14	the	the	DET
ajbmeb-617	76	15	bank	bank	NOUN
ajbmeb-617	76	16	to	to	ADP
ajbmeb-617	76	17	its	its	PRON
ajbmeb-617	76	18	customers	customer	NOUN
ajbmeb-617	76	19	,	,	PUNCT
ajbmeb-617	76	20	as	as	SCONJ
ajbmeb-617	76	21	indicated	indicate	VERB
ajbmeb-617	76	22	in	in	ADP
ajbmeb-617	76	23	its	its	PRON
ajbmeb-617	76	24	annual	annual	ADJ
ajbmeb-617	76	25	reports	report	NOUN
ajbmeb-617	76	26	,	,	PUNCT
ajbmeb-617	76	27	must	must	AUX
ajbmeb-617	76	28	be	be	AUX
ajbmeb-617	76	29	accompanied	accompany	VERB
ajbmeb-617	76	30	by	by	ADP
ajbmeb-617	76	31	four	four	NUM
ajbmeb-617	76	32	elements	element	NOUN
ajbmeb-617	76	33	,	,	PUNCT
ajbmeb-617	76	34	which	which	PRON
ajbmeb-617	76	35	are	be	AUX
ajbmeb-617	76	36	integrity	integrity	NOUN
ajbmeb-617	76	37	,	,	PUNCT
ajbmeb-617	76	38	credibility	credibility	NOUN
ajbmeb-617	76	39	,	,	PUNCT
ajbmeb-617	76	40	the	the	DET
ajbmeb-617	76	41	safety	safety	NOUN
ajbmeb-617	76	42	of	of	ADP
ajbmeb-617	76	43	operations	operation	NOUN
ajbmeb-617	76	44	,	,	PUNCT
ajbmeb-617	76	45	and	and	CCONJ
ajbmeb-617	76	46	customer	customer	NOUN
ajbmeb-617	76	47	satisfaction	satisfaction	NOUN
ajbmeb-617	76	48	,	,	PUNCT
ajbmeb-617	76	49	and	and	CCONJ
ajbmeb-617	76	50	this	this	PRON
ajbmeb-617	76	51	is	be	AUX
ajbmeb-617	76	52	what	what	PRON
ajbmeb-617	76	53	strengthened	strengthen	VERB
ajbmeb-617	76	54	and	and	CCONJ
ajbmeb-617	76	55	distinguished	distinguish	VERB
ajbmeb-617	76	56	the	the	DET
ajbmeb-617	76	57	diversification	diversification	NOUN
ajbmeb-617	76	58	of	of	ADP
ajbmeb-617	76	59	banking	banking	NOUN
ajbmeb-617	76	60	services	service	NOUN
ajbmeb-617	76	61	provided	provide	VERB
ajbmeb-617	76	62	by	by	ADP
ajbmeb-617	76	63	the	the	DET
ajbmeb-617	76	64	development	development	NOUN
ajbmeb-617	76	65	bank	bank	PROPN
ajbmeb-617	76	66	from	from	ADP
ajbmeb-617	76	67	the	the	DET
ajbmeb-617	76	68	other	other	ADJ
ajbmeb-617	76	69	bank	bank	NOUN
ajbmeb-617	76	70	,	,	PUNCT
ajbmeb-617	76	71	the	the	DET
ajbmeb-617	76	72	study	study	NOUN
ajbmeb-617	76	73	sample	sample	NOUN
ajbmeb-617	76	74	.	.	PUNCT
ajbmeb-617	77	1	therefore	therefore	ADV
ajbmeb-617	77	2	,	,	PUNCT
ajbmeb-617	77	3	it	it	PRON
ajbmeb-617	77	4	is	be	AUX
ajbmeb-617	77	5	necessary	necessary	ADJ
ajbmeb-617	77	6	for	for	SCONJ
ajbmeb-617	77	7	the	the	DET
ajbmeb-617	77	8	researchers	researcher	NOUN
ajbmeb-617	77	9	to	to	PART
ajbmeb-617	77	10	clarify	clarify	VERB
ajbmeb-617	77	11	the	the	DET
ajbmeb-617	77	12	reality	reality	NOUN
ajbmeb-617	77	13	of	of	ADP
ajbmeb-617	77	14	the	the	DET
ajbmeb-617	77	15	diversification	diversification	NOUN
ajbmeb-617	77	16	of	of	ADP
ajbmeb-617	77	17	the	the	DET
ajbmeb-617	77	18	distinguished	distinguished	ADJ
ajbmeb-617	77	19	banking	banking	NOUN
ajbmeb-617	77	20	services	service	NOUN
ajbmeb-617	77	21	of	of	ADP
ajbmeb-617	77	22	the	the	DET
ajbmeb-617	77	23	bank	bank	NOUN
ajbmeb-617	77	24	,	,	PUNCT
ajbmeb-617	77	25	as	as	SCONJ
ajbmeb-617	77	26	shown	show	VERB
ajbmeb-617	77	27	in	in	ADP
ajbmeb-617	77	28	table	table	NOUN
ajbmeb-617	77	29	(	(	PUNCT
ajbmeb-617	77	30	2	2	NUM
ajbmeb-617	77	31	)	)	PUNCT
ajbmeb-617	77	32	,	,	PUNCT
ajbmeb-617	77	33	where	where	SCONJ
ajbmeb-617	77	34	the	the	DET
ajbmeb-617	77	35	bank	bank	NOUN
ajbmeb-617	77	36	provided	provide	VERB
ajbmeb-617	77	37	the	the	DET
ajbmeb-617	77	38	services	service	NOUN
ajbmeb-617	77	39	that	that	PRON
ajbmeb-617	77	40	are	be	AUX
ajbmeb-617	77	41	in	in	ADP
ajbmeb-617	77	42	the	the	DET
ajbmeb-617	77	43	table	table	NOUN
ajbmeb-617	77	44	throughout	throughout	ADP
ajbmeb-617	77	45	the	the	DET
ajbmeb-617	77	46	study	study	NOUN
ajbmeb-617	77	47	period	period	NOUN
ajbmeb-617	77	48	,	,	PUNCT
ajbmeb-617	77	49	with	with	ADP
ajbmeb-617	77	50	the	the	DET
ajbmeb-617	77	51	exception	exception	NOUN
ajbmeb-617	77	52	of	of	ADP
ajbmeb-617	77	53	the	the	DET
ajbmeb-617	77	54	deposit	deposit	NOUN
ajbmeb-617	77	55	insurance	insurance	NOUN
ajbmeb-617	77	56	service	service	NOUN
ajbmeb-617	77	57	(	(	PUNCT
ajbmeb-617	77	58	through	through	ADP
ajbmeb-617	77	59	the	the	DET
ajbmeb-617	77	60	iraqi	iraqi	ADJ
ajbmeb-617	77	61	deposit	deposit	NOUN
ajbmeb-617	77	62	insurance	insurance	NOUN
ajbmeb-617	77	63	company	company	NOUN
ajbmeb-617	77	64	)	)	PUNCT
ajbmeb-617	77	65	,	,	PUNCT
ajbmeb-617	77	66	which	which	PRON
ajbmeb-617	77	67	the	the	DET
ajbmeb-617	77	68	bank	bank	NOUN
ajbmeb-617	77	69	began	begin	VERB
ajbmeb-617	77	70	contributing	contribute	VERB
ajbmeb-617	77	71	to	to	ADP
ajbmeb-617	77	72	in	in	ADP
ajbmeb-617	77	73	the	the	DET
ajbmeb-617	77	74	year	year	NOUN
ajbmeb-617	77	75	2019	2019	NUM
ajbmeb-617	77	76	.	.	PUNCT
ajbmeb-617	78	1	the	the	DET
ajbmeb-617	78	2	results	result	NOUN
ajbmeb-617	78	3	of	of	ADP
ajbmeb-617	78	4	this	this	DET
ajbmeb-617	78	5	positive	positive	ADJ
ajbmeb-617	78	6	service	service	NOUN
ajbmeb-617	78	7	,	,	PUNCT
ajbmeb-617	78	8	which	which	PRON
ajbmeb-617	78	9	increased	increase	VERB
ajbmeb-617	78	10	the	the	DET
ajbmeb-617	78	11	confidence	confidence	NOUN
ajbmeb-617	78	12	of	of	ADP
ajbmeb-617	78	13	depositors	depositor	NOUN
ajbmeb-617	78	14	,	,	PUNCT
ajbmeb-617	78	15	appeared	appear	VERB
ajbmeb-617	78	16	in	in	ADP
ajbmeb-617	78	17	the	the	DET
ajbmeb-617	78	18	subsequent	subsequent	ADJ
ajbmeb-617	78	19	years	year	NOUN
ajbmeb-617	78	20	after	after	ADP
ajbmeb-617	78	21	this	this	DET
ajbmeb-617	78	22	year	year	NOUN
ajbmeb-617	78	23	.	.	PUNCT
ajbmeb-617	79	1	american	american	PROPN
ajbmeb-617	79	2	journal	journal	PROPN
ajbmeb-617	79	3	of	of	ADP
ajbmeb-617	79	4	business	business	NOUN
ajbmeb-617	79	5	management	management	NOUN
ajbmeb-617	79	6	,	,	PUNCT
ajbmeb-617	79	7	economics	economic	NOUN
ajbmeb-617	79	8	and	and	CCONJ
ajbmeb-617	79	9	banking	banking	NOUN
ajbmeb-617	79	10	volume	volume	NOUN
ajbmeb-617	79	11	10	10	NUM
ajbmeb-617	79	12	march	march	NOUN
ajbmeb-617	79	13	,	,	PUNCT
ajbmeb-617	79	14	2023	2023	NUM
ajbmeb-617	79	15	p	p	NOUN
ajbmeb-617	79	16	a	a	DET
ajbmeb-617	79	17	g	g	NOUN
ajbmeb-617	79	18	e	e	NOUN
ajbmeb-617	79	19	|	|	NOUN
ajbmeb-617	79	20	166	166	NUM
ajbmeb-617	79	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	79	22	the	the	DET
ajbmeb-617	79	23	source	source	NOUN
ajbmeb-617	79	24	was	be	AUX
ajbmeb-617	79	25	prepared	prepare	VERB
ajbmeb-617	79	26	by	by	ADP
ajbmeb-617	79	27	the	the	DET
ajbmeb-617	79	28	researchers	researcher	NOUN
ajbmeb-617	79	29	based	base	VERB
ajbmeb-617	79	30	on	on	ADP
ajbmeb-617	79	31	:	:	PUNCT
ajbmeb-617	79	32	the	the	DET
ajbmeb-617	79	33	annual	annual	ADJ
ajbmeb-617	79	34	reports	report	NOUN
ajbmeb-617	79	35	of	of	ADP
ajbmeb-617	79	36	the	the	DET
ajbmeb-617	79	37	banks	bank	NOUN
ajbmeb-617	79	38	,	,	PUNCT
ajbmeb-617	79	39	the	the	DET
ajbmeb-617	79	40	study	study	NOUN
ajbmeb-617	79	41	sample	sample	NOUN
ajbmeb-617	79	42	for	for	ADP
ajbmeb-617	79	43	the	the	DET
ajbmeb-617	79	44	period	period	NOUN
ajbmeb-617	79	45	(	(	PUNCT
ajbmeb-617	79	46	2016	2016	NUM
ajbmeb-617	79	47	-	-	SYM
ajbmeb-617	79	48	2021	2021	NUM
ajbmeb-617	79	49	)	)	PUNCT
ajbmeb-617	79	50	.	.	PUNCT
ajbmeb-617	80	1	●	●	PUNCT
ajbmeb-617	80	2	a	a	DET
ajbmeb-617	80	3	symbol	symbol	NOUN
ajbmeb-617	80	4	expressing	express	VERB
ajbmeb-617	80	5	that	that	SCONJ
ajbmeb-617	80	6	the	the	DET
ajbmeb-617	80	7	bank	bank	NOUN
ajbmeb-617	80	8	provided	provide	VERB
ajbmeb-617	80	9	the	the	DET
ajbmeb-617	80	10	service	service	NOUN
ajbmeb-617	80	11	throughout	throughout	ADP
ajbmeb-617	80	12	the	the	DET
ajbmeb-617	80	13	time	time	NOUN
ajbmeb-617	80	14	period	period	NOUN
ajbmeb-617	80	15	for	for	ADP
ajbmeb-617	80	16	the	the	DET
ajbmeb-617	80	17	study	study	NOUN
ajbmeb-617	80	18	sample	sample	NOUN
ajbmeb-617	80	19	years	year	NOUN
ajbmeb-617	80	20	(	(	PUNCT
ajbmeb-617	80	21	2016	2016	NUM
ajbmeb-617	80	22	-	-	SYM
ajbmeb-617	80	23	2021	2021	NUM
ajbmeb-617	80	24	)	)	PUNCT
ajbmeb-617	80	25	.	.	PUNCT
ajbmeb-617	81	1	○	○	ADJ
ajbmeb-617	81	2	a	a	DET
ajbmeb-617	81	3	symbol	symbol	NOUN
ajbmeb-617	81	4	expressing	express	VERB
ajbmeb-617	81	5	that	that	SCONJ
ajbmeb-617	81	6	the	the	DET
ajbmeb-617	81	7	bank	bank	NOUN
ajbmeb-617	81	8	provided	provide	VERB
ajbmeb-617	81	9	the	the	DET
ajbmeb-617	81	10	service	service	NOUN
ajbmeb-617	81	11	,	,	PUNCT
ajbmeb-617	81	12	but	but	CCONJ
ajbmeb-617	81	13	not	not	PART
ajbmeb-617	81	14	from	from	ADP
ajbmeb-617	81	15	the	the	DET
ajbmeb-617	81	16	beginning	beginning	NOUN
ajbmeb-617	81	17	of	of	ADP
ajbmeb-617	81	18	the	the	DET
ajbmeb-617	81	19	time	time	NOUN
ajbmeb-617	81	20	period	period	NOUN
ajbmeb-617	81	21	for	for	ADP
ajbmeb-617	81	22	the	the	DET
ajbmeb-617	81	23	study	study	NOUN
ajbmeb-617	81	24	sample	sample	NOUN
ajbmeb-617	81	25	years	year	NOUN
ajbmeb-617	81	26	(	(	PUNCT
ajbmeb-617	81	27	2016	2016	NUM
ajbmeb-617	81	28	-	-	SYM
ajbmeb-617	81	29	2021	2021	NUM
ajbmeb-617	81	30	)	)	PUNCT
ajbmeb-617	81	31	.	.	PUNCT
ajbmeb-617	82	1	the	the	DET
ajbmeb-617	82	2	third	third	ADJ
ajbmeb-617	82	3	requirement	requirement	NOUN
ajbmeb-617	82	4	:	:	PUNCT
ajbmeb-617	82	5	analysis	analysis	NOUN
ajbmeb-617	82	6	and	and	CCONJ
ajbmeb-617	82	7	discussion	discussion	NOUN
ajbmeb-617	82	8	of	of	ADP
ajbmeb-617	82	9	the	the	DET
ajbmeb-617	82	10	results	result	NOUN
ajbmeb-617	82	11	of	of	ADP
ajbmeb-617	82	12	the	the	DET
ajbmeb-617	82	13	study	study	NOUN
ajbmeb-617	82	14	of	of	ADP
ajbmeb-617	82	15	the	the	DET
ajbmeb-617	82	16	role	role	NOUN
ajbmeb-617	82	17	of	of	ADP
ajbmeb-617	82	18	diversifying	diversify	VERB
ajbmeb-617	82	19	banking	banking	NOUN
ajbmeb-617	82	20	services	service	NOUN
ajbmeb-617	82	21	in	in	ADP
ajbmeb-617	82	22	the	the	DET
ajbmeb-617	82	23	profitability	profitability	NOUN
ajbmeb-617	82	24	of	of	ADP
ajbmeb-617	82	25	iraqi	iraqi	ADJ
ajbmeb-617	82	26	private	private	ADJ
ajbmeb-617	82	27	commercial	commercial	ADJ
ajbmeb-617	82	28	banks	bank	NOUN
ajbmeb-617	82	29	,	,	PUNCT
ajbmeb-617	82	30	the	the	DET
ajbmeb-617	82	31	study	study	NOUN
ajbmeb-617	82	32	sample	sample	NOUN
ajbmeb-617	82	33	for	for	ADP
ajbmeb-617	82	34	the	the	DET
ajbmeb-617	82	35	period	period	NOUN
ajbmeb-617	82	36	(	(	PUNCT
ajbmeb-617	82	37	2016	2016	NUM
ajbmeb-617	82	38	-	-	SYM
ajbmeb-617	82	39	2021	2021	NUM
ajbmeb-617	82	40	)	)	PUNCT
ajbmeb-617	82	41	first	first	ADV
ajbmeb-617	82	42	:	:	PUNCT
ajbmeb-617	82	43	iraqi	iraqi	ADJ
ajbmeb-617	82	44	credit	credit	NOUN
ajbmeb-617	82	45	bank	bank	PROPN
ajbmeb-617	82	46	1	1	NUM
ajbmeb-617	82	47	.	.	PUNCT
ajbmeb-617	83	1	the	the	DET
ajbmeb-617	83	2	rate	rate	NOUN
ajbmeb-617	83	3	of	of	ADP
ajbmeb-617	83	4	return	return	NOUN
ajbmeb-617	83	5	on	on	ADP
ajbmeb-617	83	6	equity	equity	NOUN
ajbmeb-617	83	7	(	(	PUNCT
ajbmeb-617	83	8	roe	roe	PROPN
ajbmeb-617	83	9	)	)	PUNCT
ajbmeb-617	83	10	it	it	PRON
ajbmeb-617	83	11	is	be	AUX
ajbmeb-617	83	12	clear	clear	ADJ
ajbmeb-617	83	13	from	from	ADP
ajbmeb-617	83	14	table	table	NOUN
ajbmeb-617	83	15	(	(	PUNCT
ajbmeb-617	83	16	3	3	NUM
ajbmeb-617	83	17	)	)	PUNCT
ajbmeb-617	83	18	that	that	SCONJ
ajbmeb-617	83	19	the	the	DET
ajbmeb-617	83	20	return	return	NOUN
ajbmeb-617	83	21	on	on	ADP
ajbmeb-617	83	22	equity	equity	NOUN
ajbmeb-617	83	23	index	index	NOUN
ajbmeb-617	83	24	took	take	VERB
ajbmeb-617	83	25	different	different	ADJ
ajbmeb-617	83	26	rates	rate	NOUN
ajbmeb-617	83	27	during	during	ADP
ajbmeb-617	83	28	the	the	DET
ajbmeb-617	83	29	study	study	NOUN
ajbmeb-617	83	30	period	period	NOUN
ajbmeb-617	83	31	,	,	PUNCT
ajbmeb-617	83	32	as	as	SCONJ
ajbmeb-617	83	33	its	its	PRON
ajbmeb-617	83	34	rate	rate	NOUN
ajbmeb-617	83	35	fluctuated	fluctuate	VERB
ajbmeb-617	83	36	between	between	ADP
ajbmeb-617	83	37	high	high	ADJ
ajbmeb-617	83	38	and	and	CCONJ
ajbmeb-617	83	39	low	low	ADJ
ajbmeb-617	83	40	during	during	ADP
ajbmeb-617	83	41	the	the	DET
ajbmeb-617	83	42	study	study	NOUN
ajbmeb-617	83	43	period	period	NOUN
ajbmeb-617	83	44	,	,	PUNCT
ajbmeb-617	83	45	as	as	SCONJ
ajbmeb-617	83	46	this	this	DET
ajbmeb-617	83	47	ratio	ratio	NOUN
ajbmeb-617	83	48	was	be	AUX
ajbmeb-617	83	49	taken	take	VERB
ajbmeb-617	83	50	in	in	ADP
ajbmeb-617	83	51	the	the	DET
ajbmeb-617	83	52	three	three	NUM
ajbmeb-617	83	53	years	year	NOUN
ajbmeb-617	83	54	the	the	DET
ajbmeb-617	83	55	first	first	ADJ
ajbmeb-617	83	56	of	of	ADP
ajbmeb-617	83	57	the	the	DET
ajbmeb-617	83	58	study	study	NOUN
ajbmeb-617	83	59	(	(	PUNCT
ajbmeb-617	83	60	2016	2016	NUM
ajbmeb-617	83	61	,	,	PUNCT
ajbmeb-617	83	62	2017	2017	NUM
ajbmeb-617	83	63	,	,	PUNCT
ajbmeb-617	83	64	2018	2018	NUM
ajbmeb-617	83	65	)	)	PUNCT
ajbmeb-617	83	66	increased	increase	VERB
ajbmeb-617	83	67	and	and	CCONJ
ajbmeb-617	83	68	fluctuated	fluctuate	VERB
ajbmeb-617	83	69	from	from	ADP
ajbmeb-617	83	70	year	year	NOUN
ajbmeb-617	83	71	to	to	ADP
ajbmeb-617	83	72	year	year	NOUN
ajbmeb-617	83	73	because	because	SCONJ
ajbmeb-617	83	74	the	the	DET
ajbmeb-617	83	75	diversification	diversification	NOUN
ajbmeb-617	83	76	of	of	ADP
ajbmeb-617	83	77	the	the	DET
ajbmeb-617	83	78	bank	bank	NOUN
ajbmeb-617	83	79	’s	’s	PART
ajbmeb-617	83	80	services	service	NOUN
ajbmeb-617	83	81	was	be	AUX
ajbmeb-617	83	82	more	more	ADV
ajbmeb-617	83	83	like	like	ADP
ajbmeb-617	83	84	normal	normal	ADJ
ajbmeb-617	83	85	compared	compare	VERB
ajbmeb-617	83	86	to	to	ADP
ajbmeb-617	83	87	the	the	DET
ajbmeb-617	83	88	other	other	ADJ
ajbmeb-617	83	89	bank	bank	NOUN
ajbmeb-617	83	90	in	in	ADP
ajbmeb-617	83	91	the	the	DET
ajbmeb-617	83	92	study	study	NOUN
ajbmeb-617	83	93	sample	sample	NOUN
ajbmeb-617	83	94	,	,	PUNCT
ajbmeb-617	83	95	and	and	CCONJ
ajbmeb-617	83	96	after	after	ADP
ajbmeb-617	83	97	these	these	DET
ajbmeb-617	83	98	years	year	NOUN
ajbmeb-617	83	99	,	,	PUNCT
ajbmeb-617	83	100	i.e.	i.e.	X
ajbmeb-617	83	101	the	the	DET
ajbmeb-617	83	102	last	last	ADJ
ajbmeb-617	83	103	three	three	NUM
ajbmeb-617	83	104	years	year	NOUN
ajbmeb-617	83	105	of	of	ADP
ajbmeb-617	83	106	the	the	DET
ajbmeb-617	83	107	study	study	NOUN
ajbmeb-617	83	108	(	(	PUNCT
ajbmeb-617	83	109	2019	2019	NUM
ajbmeb-617	83	110	,	,	PUNCT
ajbmeb-617	83	111	2020	2020	NUM
ajbmeb-617	83	112	,	,	PUNCT
ajbmeb-617	83	113	2021	2021	NUM
ajbmeb-617	83	114	)	)	PUNCT
ajbmeb-617	83	115	,	,	PUNCT
ajbmeb-617	83	116	this	this	DET
ajbmeb-617	83	117	ratio	ratio	NOUN
ajbmeb-617	83	118	was	be	AUX
ajbmeb-617	83	119	taken	take	VERB
ajbmeb-617	83	120	declining	decline	VERB
ajbmeb-617	83	121	and	and	CCONJ
ajbmeb-617	83	122	in	in	ADP
ajbmeb-617	83	123	negative	negative	ADJ
ajbmeb-617	83	124	proportions	proportion	NOUN
ajbmeb-617	83	125	,	,	PUNCT
ajbmeb-617	83	126	due	due	ADP
ajbmeb-617	83	127	to	to	ADP
ajbmeb-617	83	128	the	the	DET
ajbmeb-617	83	129	bank	bank	NOUN
ajbmeb-617	83	130	’s	’s	PART
ajbmeb-617	83	131	failure	failure	NOUN
ajbmeb-617	83	132	to	to	PART
ajbmeb-617	83	133	keep	keep	VERB
ajbmeb-617	83	134	pace	pace	NOUN
ajbmeb-617	83	135	with	with	ADP
ajbmeb-617	83	136	diversification	diversification	NOUN
ajbmeb-617	83	137	in	in	ADP
ajbmeb-617	83	138	the	the	DET
ajbmeb-617	83	139	banking	banking	NOUN
ajbmeb-617	83	140	services	service	NOUN
ajbmeb-617	83	141	it	it	PRON
ajbmeb-617	83	142	provides	provide	VERB
ajbmeb-617	83	143	to	to	ADP
ajbmeb-617	83	144	its	its	PRON
ajbmeb-617	83	145	customers	customer	NOUN
ajbmeb-617	83	146	compared	compare	VERB
ajbmeb-617	83	147	to	to	ADP
ajbmeb-617	83	148	the	the	DET
ajbmeb-617	83	149	study	study	NOUN
ajbmeb-617	83	150	sample	sample	NOUN
ajbmeb-617	83	151	banks	bank	NOUN
ajbmeb-617	83	152	,	,	PUNCT
ajbmeb-617	83	153	in	in	ADP
ajbmeb-617	83	154	other	other	ADJ
ajbmeb-617	83	155	words	word	NOUN
ajbmeb-617	83	156	,	,	PUNCT
ajbmeb-617	83	157	that	that	SCONJ
ajbmeb-617	83	158	there	there	PRON
ajbmeb-617	83	159	are	be	VERB
ajbmeb-617	83	160	circumstances	circumstance	NOUN
ajbmeb-617	83	161	and	and	CCONJ
ajbmeb-617	83	162	cases	case	NOUN
ajbmeb-617	83	163	that	that	SCONJ
ajbmeb-617	83	164	necessitate	necessitate	ADJ
ajbmeb-617	83	165	banks	bank	NOUN
ajbmeb-617	83	166	to	to	PART
ajbmeb-617	83	167	add	add	VERB
ajbmeb-617	83	168	or	or	CCONJ
ajbmeb-617	83	169	innovate	innovate	VERB
ajbmeb-617	83	170	new	new	ADJ
ajbmeb-617	83	171	services	service	NOUN
ajbmeb-617	83	172	.	.	PUNCT
ajbmeb-617	84	1	2	2	X
ajbmeb-617	84	2	.	.	X
ajbmeb-617	84	3	rate	rate	NOUN
ajbmeb-617	84	4	of	of	ADP
ajbmeb-617	84	5	return	return	NOUN
ajbmeb-617	84	6	on	on	ADP
ajbmeb-617	84	7	deposits	deposit	NOUN
ajbmeb-617	84	8	(	(	PUNCT
ajbmeb-617	84	9	rod	rod	NOUN
ajbmeb-617	84	10	)	)	PUNCT
ajbmeb-617	84	11	it	it	PRON
ajbmeb-617	84	12	is	be	AUX
ajbmeb-617	84	13	clear	clear	ADJ
ajbmeb-617	84	14	from	from	ADP
ajbmeb-617	84	15	table	table	NOUN
ajbmeb-617	84	16	(	(	PUNCT
ajbmeb-617	84	17	3	3	NUM
ajbmeb-617	84	18	)	)	PUNCT
ajbmeb-617	84	19	that	that	SCONJ
ajbmeb-617	84	20	the	the	DET
ajbmeb-617	84	21	return	return	NOUN
ajbmeb-617	84	22	on	on	ADP
ajbmeb-617	84	23	deposits	deposit	NOUN
ajbmeb-617	84	24	index	index	NOUN
ajbmeb-617	84	25	took	take	VERB
ajbmeb-617	84	26	different	different	ADJ
ajbmeb-617	84	27	rates	rate	NOUN
ajbmeb-617	84	28	during	during	ADP
ajbmeb-617	84	29	the	the	DET
ajbmeb-617	84	30	study	study	NOUN
ajbmeb-617	84	31	period	period	NOUN
ajbmeb-617	84	32	,	,	PUNCT
ajbmeb-617	84	33	as	as	SCONJ
ajbmeb-617	84	34	its	its	PRON
ajbmeb-617	84	35	rate	rate	NOUN
ajbmeb-617	84	36	fluctuated	fluctuate	VERB
ajbmeb-617	84	37	between	between	ADP
ajbmeb-617	84	38	high	high	ADJ
ajbmeb-617	84	39	and	and	CCONJ
ajbmeb-617	84	40	low	low	ADJ
ajbmeb-617	84	41	during	during	ADP
ajbmeb-617	84	42	the	the	DET
ajbmeb-617	84	43	study	study	NOUN
ajbmeb-617	84	44	period	period	NOUN
ajbmeb-617	84	45	,	,	PUNCT
ajbmeb-617	84	46	as	as	SCONJ
ajbmeb-617	84	47	this	this	DET
ajbmeb-617	84	48	ratio	ratio	NOUN
ajbmeb-617	84	49	was	be	AUX
ajbmeb-617	84	50	taken	take	VERB
ajbmeb-617	84	51	in	in	ADP
ajbmeb-617	84	52	the	the	DET
ajbmeb-617	84	53	first	first	ADJ
ajbmeb-617	84	54	american	american	PROPN
ajbmeb-617	84	55	journal	journal	PROPN
ajbmeb-617	84	56	of	of	ADP
ajbmeb-617	84	57	business	business	NOUN
ajbmeb-617	84	58	management	management	NOUN
ajbmeb-617	84	59	,	,	PUNCT
ajbmeb-617	84	60	economics	economic	NOUN
ajbmeb-617	84	61	and	and	CCONJ
ajbmeb-617	84	62	banking	banking	NOUN
ajbmeb-617	84	63	volume	volume	NOUN
ajbmeb-617	84	64	10	10	NUM
ajbmeb-617	84	65	march	march	NOUN
ajbmeb-617	84	66	,	,	PUNCT
ajbmeb-617	84	67	2023	2023	NUM
ajbmeb-617	84	68	p	p	NOUN
ajbmeb-617	84	69	a	a	DET
ajbmeb-617	84	70	g	g	NOUN
ajbmeb-617	84	71	e	e	NOUN
ajbmeb-617	84	72	|	|	NOUN
ajbmeb-617	84	73	167	167	NUM
ajbmeb-617	84	74	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	84	75	three	three	NUM
ajbmeb-617	84	76	years	year	NOUN
ajbmeb-617	84	77	of	of	ADP
ajbmeb-617	84	78	the	the	DET
ajbmeb-617	84	79	study	study	NOUN
ajbmeb-617	84	80	(	(	PUNCT
ajbmeb-617	84	81	2016	2016	NUM
ajbmeb-617	84	82	,	,	PUNCT
ajbmeb-617	84	83	2017	2017	NUM
ajbmeb-617	84	84	,	,	PUNCT
ajbmeb-617	84	85	2018	2018	NUM
ajbmeb-617	84	86	)	)	PUNCT
ajbmeb-617	84	87	increased	increase	VERB
ajbmeb-617	84	88	and	and	CCONJ
ajbmeb-617	84	89	fluctuated	fluctuate	VERB
ajbmeb-617	84	90	from	from	ADP
ajbmeb-617	84	91	one	one	NUM
ajbmeb-617	84	92	year	year	NOUN
ajbmeb-617	84	93	to	to	ADP
ajbmeb-617	84	94	another	another	PRON
ajbmeb-617	84	95	because	because	SCONJ
ajbmeb-617	84	96	the	the	DET
ajbmeb-617	84	97	diversification	diversification	NOUN
ajbmeb-617	84	98	of	of	ADP
ajbmeb-617	84	99	the	the	DET
ajbmeb-617	84	100	bank	bank	NOUN
ajbmeb-617	84	101	’s	’s	PART
ajbmeb-617	84	102	services	service	NOUN
ajbmeb-617	84	103	was	be	AUX
ajbmeb-617	84	104	more	more	ADV
ajbmeb-617	84	105	like	like	ADP
ajbmeb-617	84	106	normal	normal	ADJ
ajbmeb-617	84	107	compared	compare	VERB
ajbmeb-617	84	108	to	to	ADP
ajbmeb-617	84	109	the	the	DET
ajbmeb-617	84	110	other	other	ADJ
ajbmeb-617	84	111	bank	bank	NOUN
ajbmeb-617	84	112	in	in	ADP
ajbmeb-617	84	113	the	the	DET
ajbmeb-617	84	114	study	study	NOUN
ajbmeb-617	84	115	sample	sample	NOUN
ajbmeb-617	84	116	,	,	PUNCT
ajbmeb-617	84	117	and	and	CCONJ
ajbmeb-617	84	118	after	after	ADP
ajbmeb-617	84	119	these	these	DET
ajbmeb-617	84	120	years	year	NOUN
ajbmeb-617	84	121	,	,	PUNCT
ajbmeb-617	84	122	i.e.	i.e.	X
ajbmeb-617	84	123	the	the	DET
ajbmeb-617	84	124	last	last	ADJ
ajbmeb-617	84	125	three	three	NUM
ajbmeb-617	84	126	years	year	NOUN
ajbmeb-617	84	127	of	of	ADP
ajbmeb-617	84	128	the	the	DET
ajbmeb-617	84	129	study	study	NOUN
ajbmeb-617	84	130	(	(	PUNCT
ajbmeb-617	84	131	2019	2019	NUM
ajbmeb-617	84	132	,	,	PUNCT
ajbmeb-617	84	133	2020	2020	NUM
ajbmeb-617	84	134	,	,	PUNCT
ajbmeb-617	84	135	2021	2021	NUM
ajbmeb-617	84	136	)	)	PUNCT
ajbmeb-617	84	137	,	,	PUNCT
ajbmeb-617	84	138	this	this	DET
ajbmeb-617	84	139	percentage	percentage	NOUN
ajbmeb-617	84	140	decreased	decrease	VERB
ajbmeb-617	84	141	in	in	ADP
ajbmeb-617	84	142	negative	negative	ADJ
ajbmeb-617	84	143	proportions	proportion	NOUN
ajbmeb-617	84	144	,	,	PUNCT
ajbmeb-617	84	145	due	due	ADP
ajbmeb-617	84	146	to	to	ADP
ajbmeb-617	84	147	the	the	DET
ajbmeb-617	84	148	bank	bank	NOUN
ajbmeb-617	84	149	's	's	PART
ajbmeb-617	84	150	failure	failure	NOUN
ajbmeb-617	84	151	to	to	PART
ajbmeb-617	84	152	diversify	diversify	VERB
ajbmeb-617	84	153	the	the	DET
ajbmeb-617	84	154	banking	banking	NOUN
ajbmeb-617	84	155	services	service	NOUN
ajbmeb-617	84	156	it	it	PRON
ajbmeb-617	84	157	provides	provide	VERB
ajbmeb-617	84	158	to	to	ADP
ajbmeb-617	84	159	its	its	PRON
ajbmeb-617	84	160	customers	customer	NOUN
ajbmeb-617	84	161	,	,	PUNCT
ajbmeb-617	84	162	compared	compare	VERB
ajbmeb-617	84	163	to	to	ADP
ajbmeb-617	84	164	the	the	DET
ajbmeb-617	84	165	study	study	NOUN
ajbmeb-617	84	166	sample	sample	NOUN
ajbmeb-617	84	167	banks	bank	NOUN
ajbmeb-617	84	168	.	.	PUNCT
ajbmeb-617	85	1	3	3	X
ajbmeb-617	85	2	.	.	X
ajbmeb-617	85	3	rate	rate	NOUN
ajbmeb-617	85	4	of	of	ADP
ajbmeb-617	85	5	return	return	NOUN
ajbmeb-617	85	6	on	on	ADP
ajbmeb-617	85	7	assets	asset	NOUN
ajbmeb-617	85	8	(	(	PUNCT
ajbmeb-617	85	9	roa	roa	NOUN
ajbmeb-617	85	10	)	)	PUNCT
ajbmeb-617	85	11	it	it	PRON
ajbmeb-617	85	12	is	be	AUX
ajbmeb-617	85	13	clear	clear	ADJ
ajbmeb-617	85	14	from	from	ADP
ajbmeb-617	85	15	table	table	NOUN
ajbmeb-617	85	16	(	(	PUNCT
ajbmeb-617	85	17	3	3	NUM
ajbmeb-617	85	18	)	)	PUNCT
ajbmeb-617	85	19	that	that	SCONJ
ajbmeb-617	85	20	the	the	DET
ajbmeb-617	85	21	return	return	NOUN
ajbmeb-617	85	22	on	on	ADP
ajbmeb-617	85	23	assets	asset	NOUN
ajbmeb-617	85	24	index	index	NOUN
ajbmeb-617	85	25	took	take	VERB
ajbmeb-617	85	26	different	different	ADJ
ajbmeb-617	85	27	ratios	ratio	NOUN
ajbmeb-617	85	28	during	during	ADP
ajbmeb-617	85	29	the	the	DET
ajbmeb-617	85	30	study	study	NOUN
ajbmeb-617	85	31	period	period	NOUN
ajbmeb-617	85	32	,	,	PUNCT
ajbmeb-617	85	33	as	as	ADP
ajbmeb-617	85	34	its	its	PRON
ajbmeb-617	85	35	rate	rate	NOUN
ajbmeb-617	85	36	fluctuated	fluctuate	VERB
ajbmeb-617	85	37	between	between	ADP
ajbmeb-617	85	38	high	high	ADJ
ajbmeb-617	85	39	and	and	CCONJ
ajbmeb-617	85	40	low	low	ADJ
ajbmeb-617	85	41	during	during	ADP
ajbmeb-617	85	42	the	the	DET
ajbmeb-617	85	43	study	study	NOUN
ajbmeb-617	85	44	period	period	NOUN
ajbmeb-617	85	45	,	,	PUNCT
ajbmeb-617	85	46	as	as	SCONJ
ajbmeb-617	85	47	this	this	DET
ajbmeb-617	85	48	ratio	ratio	NOUN
ajbmeb-617	85	49	was	be	AUX
ajbmeb-617	85	50	taken	take	VERB
ajbmeb-617	85	51	in	in	ADP
ajbmeb-617	85	52	the	the	DET
ajbmeb-617	85	53	first	first	ADJ
ajbmeb-617	85	54	three	three	NUM
ajbmeb-617	85	55	years	year	NOUN
ajbmeb-617	85	56	of	of	ADP
ajbmeb-617	85	57	the	the	DET
ajbmeb-617	85	58	study	study	NOUN
ajbmeb-617	85	59	(	(	PUNCT
ajbmeb-617	85	60	2016	2016	NUM
ajbmeb-617	85	61	,	,	PUNCT
ajbmeb-617	85	62	2017	2017	NUM
ajbmeb-617	85	63	,	,	PUNCT
ajbmeb-617	85	64	2018	2018	NUM
ajbmeb-617	85	65	)	)	PUNCT
ajbmeb-617	85	66	increased	increase	VERB
ajbmeb-617	85	67	and	and	CCONJ
ajbmeb-617	85	68	fluctuated	fluctuate	VERB
ajbmeb-617	85	69	from	from	ADP
ajbmeb-617	85	70	year	year	NOUN
ajbmeb-617	85	71	to	to	ADP
ajbmeb-617	85	72	year	year	NOUN
ajbmeb-617	85	73	because	because	SCONJ
ajbmeb-617	85	74	the	the	DET
ajbmeb-617	85	75	diversification	diversification	NOUN
ajbmeb-617	85	76	of	of	ADP
ajbmeb-617	85	77	the	the	DET
ajbmeb-617	85	78	bank	bank	NOUN
ajbmeb-617	85	79	’s	’s	PART
ajbmeb-617	85	80	services	service	NOUN
ajbmeb-617	85	81	was	be	AUX
ajbmeb-617	85	82	more	more	ADV
ajbmeb-617	85	83	like	like	ADP
ajbmeb-617	85	84	normal	normal	ADJ
ajbmeb-617	85	85	compared	compare	VERB
ajbmeb-617	85	86	to	to	ADP
ajbmeb-617	85	87	the	the	DET
ajbmeb-617	85	88	banks	bank	NOUN
ajbmeb-617	85	89	in	in	ADP
ajbmeb-617	85	90	the	the	DET
ajbmeb-617	85	91	study	study	NOUN
ajbmeb-617	85	92	sample	sample	NOUN
ajbmeb-617	85	93	,	,	PUNCT
ajbmeb-617	85	94	and	and	CCONJ
ajbmeb-617	85	95	after	after	ADP
ajbmeb-617	85	96	these	these	DET
ajbmeb-617	85	97	years	year	NOUN
ajbmeb-617	85	98	,	,	PUNCT
ajbmeb-617	85	99	i.e.	i.e.	X
ajbmeb-617	85	100	the	the	DET
ajbmeb-617	85	101	last	last	ADJ
ajbmeb-617	85	102	three	three	NUM
ajbmeb-617	85	103	years	year	NOUN
ajbmeb-617	85	104	of	of	ADP
ajbmeb-617	85	105	the	the	DET
ajbmeb-617	85	106	study	study	NOUN
ajbmeb-617	85	107	(	(	PUNCT
ajbmeb-617	85	108	2019	2019	NUM
ajbmeb-617	85	109	,	,	PUNCT
ajbmeb-617	85	110	2020	2020	NUM
ajbmeb-617	85	111	,	,	PUNCT
ajbmeb-617	85	112	2021	2021	NUM
ajbmeb-617	85	113	)	)	PUNCT
ajbmeb-617	85	114	,	,	PUNCT
ajbmeb-617	85	115	this	this	DET
ajbmeb-617	85	116	percentage	percentage	NOUN
ajbmeb-617	85	117	decreased	decrease	VERB
ajbmeb-617	85	118	in	in	ADP
ajbmeb-617	85	119	negative	negative	ADJ
ajbmeb-617	85	120	proportions	proportion	NOUN
ajbmeb-617	85	121	.	.	PUNCT
ajbmeb-617	86	1	this	this	PRON
ajbmeb-617	86	2	is	be	AUX
ajbmeb-617	86	3	due	due	ADJ
ajbmeb-617	86	4	to	to	ADP
ajbmeb-617	86	5	the	the	DET
ajbmeb-617	86	6	bank	bank	NOUN
ajbmeb-617	86	7	’s	’s	PART
ajbmeb-617	86	8	failure	failure	NOUN
ajbmeb-617	86	9	to	to	PART
ajbmeb-617	86	10	keep	keep	VERB
ajbmeb-617	86	11	pace	pace	NOUN
ajbmeb-617	86	12	with	with	ADP
ajbmeb-617	86	13	the	the	DET
ajbmeb-617	86	14	diversification	diversification	NOUN
ajbmeb-617	86	15	of	of	ADP
ajbmeb-617	86	16	the	the	DET
ajbmeb-617	86	17	banking	banking	NOUN
ajbmeb-617	86	18	services	service	NOUN
ajbmeb-617	86	19	it	it	PRON
ajbmeb-617	86	20	provides	provide	VERB
ajbmeb-617	86	21	to	to	ADP
ajbmeb-617	86	22	its	its	PRON
ajbmeb-617	86	23	customers	customer	NOUN
ajbmeb-617	86	24	compared	compare	VERB
ajbmeb-617	86	25	to	to	ADP
ajbmeb-617	86	26	the	the	DET
ajbmeb-617	86	27	study	study	NOUN
ajbmeb-617	86	28	sample	sample	NOUN
ajbmeb-617	86	29	banks	bank	NOUN
ajbmeb-617	86	30	,	,	PUNCT
ajbmeb-617	86	31	in	in	ADP
ajbmeb-617	86	32	other	other	ADJ
ajbmeb-617	86	33	words	word	NOUN
ajbmeb-617	86	34	,	,	PUNCT
ajbmeb-617	86	35	there	there	PRON
ajbmeb-617	86	36	are	be	VERB
ajbmeb-617	86	37	circumstances	circumstance	NOUN
ajbmeb-617	86	38	and	and	CCONJ
ajbmeb-617	86	39	cases	case	NOUN
ajbmeb-617	86	40	that	that	PRON
ajbmeb-617	86	41	required	require	VERB
ajbmeb-617	86	42	banks	bank	NOUN
ajbmeb-617	86	43	to	to	PART
ajbmeb-617	86	44	add	add	VERB
ajbmeb-617	86	45	or	or	CCONJ
ajbmeb-617	86	46	invent	invent	VERB
ajbmeb-617	86	47	new	new	ADJ
ajbmeb-617	86	48	services	service	NOUN
ajbmeb-617	86	49	,	,	PUNCT
ajbmeb-617	86	50	and	and	CCONJ
ajbmeb-617	86	51	an	an	DET
ajbmeb-617	86	52	example	example	NOUN
ajbmeb-617	86	53	of	of	ADP
ajbmeb-617	86	54	this	this	PRON
ajbmeb-617	86	55	is	be	AUX
ajbmeb-617	86	56	the	the	DET
ajbmeb-617	86	57	corona	corona	NOUN
ajbmeb-617	86	58	pandemic	pandemic	NOUN
ajbmeb-617	86	59	,	,	PUNCT
ajbmeb-617	86	60	whose	whose	DET
ajbmeb-617	86	61	effects	effect	NOUN
ajbmeb-617	86	62	emerged	emerge	VERB
ajbmeb-617	86	63	in	in	ADP
ajbmeb-617	86	64	two	two	NUM
ajbmeb-617	86	65	years	year	NOUN
ajbmeb-617	86	66	(	(	PUNCT
ajbmeb-617	86	67	2020,2021	2020,2021	NOUN
ajbmeb-617	86	68	)	)	PUNCT
ajbmeb-617	86	69	,	,	PUNCT
ajbmeb-617	86	70	where	where	SCONJ
ajbmeb-617	86	71	most	most	ADJ
ajbmeb-617	86	72	of	of	ADP
ajbmeb-617	86	73	the	the	DET
ajbmeb-617	86	74	well	well	ADV
ajbmeb-617	86	75	-	-	PUNCT
ajbmeb-617	86	76	managed	manage	VERB
ajbmeb-617	86	77	banks	bank	NOUN
ajbmeb-617	86	78	continued	continue	VERB
ajbmeb-617	86	79	to	to	PART
ajbmeb-617	86	80	keep	keep	VERB
ajbmeb-617	86	81	abreast	abreast	ADV
ajbmeb-617	86	82	of	of	ADP
ajbmeb-617	86	83	developments	development	NOUN
ajbmeb-617	86	84	in	in	ADP
ajbmeb-617	86	85	order	order	NOUN
ajbmeb-617	86	86	to	to	PART
ajbmeb-617	86	87	absorb	absorb	VERB
ajbmeb-617	86	88	or	or	CCONJ
ajbmeb-617	86	89	reduce	reduce	VERB
ajbmeb-617	86	90	the	the	DET
ajbmeb-617	86	91	effects	effect	NOUN
ajbmeb-617	86	92	of	of	ADP
ajbmeb-617	86	93	this	this	DET
ajbmeb-617	86	94	pandemic	pandemic	NOUN
ajbmeb-617	86	95	by	by	ADP
ajbmeb-617	86	96	providing	provide	VERB
ajbmeb-617	86	97	new	new	ADJ
ajbmeb-617	86	98	electronic	electronic	ADJ
ajbmeb-617	86	99	services	service	NOUN
ajbmeb-617	86	100	in	in	ADP
ajbmeb-617	86	101	order	order	NOUN
ajbmeb-617	86	102	to	to	PART
ajbmeb-617	86	103	continue	continue	VERB
ajbmeb-617	86	104	their	their	PRON
ajbmeb-617	86	105	communication	communication	NOUN
ajbmeb-617	86	106	with	with	ADP
ajbmeb-617	86	107	the	the	DET
ajbmeb-617	86	108	customer	customer	NOUN
ajbmeb-617	86	109	and	and	CCONJ
ajbmeb-617	86	110	thus	thus	ADV
ajbmeb-617	86	111	the	the	DET
ajbmeb-617	86	112	continuation	continuation	NOUN
ajbmeb-617	86	113	of	of	ADP
ajbmeb-617	86	114	their	their	PRON
ajbmeb-617	86	115	work	work	NOUN
ajbmeb-617	86	116	,	,	PUNCT
ajbmeb-617	86	117	and	and	CCONJ
ajbmeb-617	86	118	thus	thus	ADV
ajbmeb-617	86	119	they	they	PRON
ajbmeb-617	86	120	have	have	AUX
ajbmeb-617	86	121	maintained	maintain	VERB
ajbmeb-617	86	122	their	their	PRON
ajbmeb-617	86	123	diversification	diversification	NOUN
ajbmeb-617	86	124	in	in	ADP
ajbmeb-617	86	125	the	the	DET
ajbmeb-617	86	126	banking	banking	NOUN
ajbmeb-617	86	127	services	service	NOUN
ajbmeb-617	86	128	that	that	PRON
ajbmeb-617	86	129	they	they	PRON
ajbmeb-617	86	130	provide	provide	VERB
ajbmeb-617	86	131	to	to	ADP
ajbmeb-617	86	132	its	its	PRON
ajbmeb-617	86	133	customers	customer	NOUN
ajbmeb-617	86	134	and	and	CCONJ
ajbmeb-617	86	135	that	that	SCONJ
ajbmeb-617	86	136	one	one	NUM
ajbmeb-617	86	137	of	of	ADP
ajbmeb-617	86	138	the	the	DET
ajbmeb-617	86	139	reasons	reason	NOUN
ajbmeb-617	86	140	for	for	ADP
ajbmeb-617	86	141	the	the	DET
ajbmeb-617	86	142	loss	loss	NOUN
ajbmeb-617	86	143	and	and	CCONJ
ajbmeb-617	86	144	the	the	DET
ajbmeb-617	86	145	decrease	decrease	NOUN
ajbmeb-617	86	146	in	in	ADP
ajbmeb-617	86	147	the	the	DET
ajbmeb-617	86	148	rate	rate	NOUN
ajbmeb-617	86	149	of	of	ADP
ajbmeb-617	86	150	return	return	NOUN
ajbmeb-617	86	151	on	on	ADP
ajbmeb-617	86	152	assets	asset	NOUN
ajbmeb-617	86	153	in	in	ADP
ajbmeb-617	86	154	the	the	DET
ajbmeb-617	86	155	credit	credit	NOUN
ajbmeb-617	86	156	bank	bank	NOUN
ajbmeb-617	86	157	in	in	ADP
ajbmeb-617	86	158	the	the	DET
ajbmeb-617	86	159	last	last	ADJ
ajbmeb-617	86	160	three	three	NUM
ajbmeb-617	86	161	years	year	NOUN
ajbmeb-617	86	162	of	of	ADP
ajbmeb-617	86	163	the	the	DET
ajbmeb-617	86	164	study	study	NOUN
ajbmeb-617	86	165	is	be	AUX
ajbmeb-617	86	166	the	the	DET
ajbmeb-617	86	167	bank	bank	NOUN
ajbmeb-617	86	168	’s	’s	PART
ajbmeb-617	86	169	failure	failure	NOUN
ajbmeb-617	86	170	to	to	PART
ajbmeb-617	86	171	keep	keep	VERB
ajbmeb-617	86	172	up	up	ADP
ajbmeb-617	86	173	with	with	ADP
ajbmeb-617	86	174	the	the	DET
ajbmeb-617	86	175	services	service	NOUN
ajbmeb-617	86	176	that	that	PRON
ajbmeb-617	86	177	appeared	appear	VERB
ajbmeb-617	86	178	,	,	PUNCT
ajbmeb-617	86	179	especially	especially	ADV
ajbmeb-617	86	180	electronic	electronic	ADJ
ajbmeb-617	86	181	ones	one	NOUN
ajbmeb-617	86	182	,	,	PUNCT
ajbmeb-617	86	183	and	and	CCONJ
ajbmeb-617	86	184	thus	thus	ADV
ajbmeb-617	86	185	it	it	PRON
ajbmeb-617	86	186	did	do	AUX
ajbmeb-617	86	187	not	not	PART
ajbmeb-617	86	188	maintain	maintain	VERB
ajbmeb-617	86	189	its	its	PRON
ajbmeb-617	86	190	diversification	diversification	NOUN
ajbmeb-617	86	191	by	by	ADP
ajbmeb-617	86	192	adding	add	VERB
ajbmeb-617	86	193	new	new	ADJ
ajbmeb-617	86	194	services	service	NOUN
ajbmeb-617	86	195	that	that	PRON
ajbmeb-617	86	196	appeared	appear	VERB
ajbmeb-617	86	197	in	in	ADP
ajbmeb-617	86	198	the	the	DET
ajbmeb-617	86	199	banking	banking	NOUN
ajbmeb-617	86	200	environment	environment	NOUN
ajbmeb-617	86	201	,	,	PUNCT
ajbmeb-617	86	202	and	and	CCONJ
ajbmeb-617	86	203	this	this	PRON
ajbmeb-617	86	204	is	be	AUX
ajbmeb-617	86	205	one	one	NUM
ajbmeb-617	86	206	of	of	ADP
ajbmeb-617	86	207	the	the	DET
ajbmeb-617	86	208	reasons	reason	NOUN
ajbmeb-617	86	209	for	for	ADP
ajbmeb-617	86	210	the	the	DET
ajbmeb-617	86	211	decrease	decrease	NOUN
ajbmeb-617	86	212	of	of	ADP
ajbmeb-617	86	213	the	the	DET
ajbmeb-617	86	214	rate	rate	NOUN
ajbmeb-617	86	215	of	of	ADP
ajbmeb-617	86	216	return	return	NOUN
ajbmeb-617	86	217	on	on	ADP
ajbmeb-617	86	218	assets	asset	NOUN
ajbmeb-617	86	219	in	in	ADP
ajbmeb-617	86	220	the	the	DET
ajbmeb-617	86	221	last	last	ADJ
ajbmeb-617	86	222	three	three	NUM
ajbmeb-617	86	223	years	year	NOUN
ajbmeb-617	86	224	of	of	ADP
ajbmeb-617	86	225	this	this	DET
ajbmeb-617	86	226	study	study	NOUN
ajbmeb-617	86	227	.	.	PUNCT
ajbmeb-617	87	1	4	4	X
ajbmeb-617	87	2	.	.	X
ajbmeb-617	87	3	rate	rate	NOUN
ajbmeb-617	87	4	of	of	ADP
ajbmeb-617	87	5	return	return	NOUN
ajbmeb-617	87	6	on	on	ADP
ajbmeb-617	87	7	funds	fund	NOUN
ajbmeb-617	87	8	available	available	ADJ
ajbmeb-617	87	9	for	for	ADP
ajbmeb-617	87	10	employment	employment	NOUN
ajbmeb-617	87	11	(	(	PUNCT
ajbmeb-617	87	12	rof	rof	PROPN
ajbmeb-617	87	13	)	)	PUNCT
ajbmeb-617	87	14	the	the	DET
ajbmeb-617	87	15	behavior	behavior	NOUN
ajbmeb-617	87	16	of	of	ADP
ajbmeb-617	87	17	this	this	DET
ajbmeb-617	87	18	indicator	indicator	NOUN
ajbmeb-617	87	19	did	do	AUX
ajbmeb-617	87	20	not	not	PART
ajbmeb-617	87	21	differ	differ	VERB
ajbmeb-617	87	22	from	from	ADP
ajbmeb-617	87	23	the	the	DET
ajbmeb-617	87	24	indicators	indicator	NOUN
ajbmeb-617	87	25	above	above	ADV
ajbmeb-617	87	26	.	.	PUNCT
ajbmeb-617	88	1	table	table	NOUN
ajbmeb-617	88	2	(	(	PUNCT
ajbmeb-617	88	3	3	3	NUM
ajbmeb-617	88	4	)	)	PUNCT
ajbmeb-617	88	5	and	and	CCONJ
ajbmeb-617	88	6	figure	figure	NOUN
ajbmeb-617	88	7	(	(	PUNCT
ajbmeb-617	88	8	1	1	X
ajbmeb-617	88	9	)	)	PUNCT
ajbmeb-617	88	10	illustrate	illustrate	VERB
ajbmeb-617	88	11	this	this	PRON
ajbmeb-617	88	12	,	,	PUNCT
ajbmeb-617	88	13	which	which	PRON
ajbmeb-617	88	14	was	be	AUX
ajbmeb-617	88	15	based	base	VERB
ajbmeb-617	88	16	on	on	ADP
ajbmeb-617	88	17	the	the	DET
ajbmeb-617	88	18	data	datum	NOUN
ajbmeb-617	88	19	from	from	ADP
ajbmeb-617	88	20	the	the	DET
ajbmeb-617	88	21	bank	bank	NOUN
ajbmeb-617	88	22	's	's	PART
ajbmeb-617	88	23	financial	financial	ADJ
ajbmeb-617	88	24	reports	report	NOUN
ajbmeb-617	88	25	.	.	PUNCT
ajbmeb-617	89	1	table	table	NOUN
ajbmeb-617	89	2	(	(	PUNCT
ajbmeb-617	89	3	3	3	NUM
ajbmeb-617	89	4	):	):	PUNCT
ajbmeb-617	89	5	indicators	indicator	NOUN
ajbmeb-617	89	6	for	for	ADP
ajbmeb-617	89	7	measuring	measure	VERB
ajbmeb-617	89	8	profitability	profitability	NOUN
ajbmeb-617	89	9	in	in	ADP
ajbmeb-617	89	10	the	the	DET
ajbmeb-617	89	11	iraqi	iraqi	ADJ
ajbmeb-617	89	12	credit	credit	NOUN
ajbmeb-617	89	13	bank	bank	NOUN
ajbmeb-617	89	14	for	for	ADP
ajbmeb-617	89	15	the	the	DET
ajbmeb-617	89	16	period	period	NOUN
ajbmeb-617	89	17	(	(	PUNCT
ajbmeb-617	89	18	20162021	20162021	NUM
ajbmeb-617	89	19	)	)	PUNCT
ajbmeb-617	89	20	indicators	indicator	NOUN
ajbmeb-617	89	21	rate	rate	NOUN
ajbmeb-617	89	22	of	of	ADP
ajbmeb-617	89	23	return	return	NOUN
ajbmeb-617	89	24	on	on	ADP
ajbmeb-617	89	25	equity	equity	NOUN
ajbmeb-617	89	26	%	%	NOUN
ajbmeb-617	89	27	rate	rate	NOUN
ajbmeb-617	89	28	of	of	ADP
ajbmeb-617	89	29	change	change	NOUN
ajbmeb-617	89	30	in	in	ADP
ajbmeb-617	89	31	the	the	DET
ajbmeb-617	89	32	rate	rate	NOUN
ajbmeb-617	89	33	of	of	ADP
ajbmeb-617	89	34	return	return	NOUN
ajbmeb-617	89	35	on	on	ADP
ajbmeb-617	89	36	equity	equity	NOUN
ajbmeb-617	89	37	%	%	NOUN
ajbmeb-617	89	38	rate	rate	NOUN
ajbmeb-617	89	39	of	of	ADP
ajbmeb-617	89	40	return	return	NOUN
ajbmeb-617	89	41	on	on	ADP
ajbmeb-617	89	42	deposits	deposit	NOUN
ajbmeb-617	89	43	%	%	NOUN
ajbmeb-617	89	44	rate	rate	NOUN
ajbmeb-617	89	45	of	of	ADP
ajbmeb-617	89	46	change	change	NOUN
ajbmeb-617	89	47	in	in	ADP
ajbmeb-617	89	48	the	the	DET
ajbmeb-617	89	49	rate	rate	NOUN
ajbmeb-617	89	50	of	of	ADP
ajbmeb-617	89	51	return	return	NOUN
ajbmeb-617	89	52	on	on	ADP
ajbmeb-617	89	53	deposits	deposit	NOUN
ajbmeb-617	89	54	%	%	NOUN
ajbmeb-617	89	55	rate	rate	NOUN
ajbmeb-617	89	56	of	of	ADP
ajbmeb-617	89	57	return	return	NOUN
ajbmeb-617	89	58	on	on	ADP
ajbmeb-617	89	59	assets	asset	NOUN
ajbmeb-617	89	60	%	%	NOUN
ajbmeb-617	89	61	rate	rate	NOUN
ajbmeb-617	89	62	of	of	ADP
ajbmeb-617	89	63	change	change	NOUN
ajbmeb-617	89	64	in	in	ADP
ajbmeb-617	89	65	the	the	DET
ajbmeb-617	89	66	rate	rate	NOUN
ajbmeb-617	89	67	of	of	ADP
ajbmeb-617	89	68	return	return	NOUN
ajbmeb-617	89	69	on	on	ADP
ajbmeb-617	89	70	assets	asset	NOUN
ajbmeb-617	89	71	%	%	NOUN
ajbmeb-617	89	72	rate	rate	NOUN
ajbmeb-617	89	73	of	of	ADP
ajbmeb-617	89	74	return	return	NOUN
ajbmeb-617	89	75	on	on	ADP
ajbmeb-617	89	76	funds	fund	NOUN
ajbmeb-617	89	77	available	available	ADJ
ajbmeb-617	89	78	for	for	ADP
ajbmeb-617	89	79	employment	employment	NOUN
ajbmeb-617	89	80	%	%	NOUN
ajbmeb-617	89	81	rate	rate	NOUN
ajbmeb-617	89	82	change	change	NOUN
ajbmeb-617	89	83	in	in	ADP
ajbmeb-617	89	84	return	return	NOUN
ajbmeb-617	89	85	on	on	ADP
ajbmeb-617	89	86	funds	fund	NOUN
ajbmeb-617	89	87	available	available	ADJ
ajbmeb-617	89	88	for	for	ADP
ajbmeb-617	89	89	employment	employment	NOUN
ajbmeb-617	89	90	,	,	PUNCT
ajbmeb-617	89	91	%	%	INTJ
ajbmeb-617	89	92	the	the	DET
ajbmeb-617	89	93	years	year	NOUN
ajbmeb-617	89	94	2016	2016	NUM
ajbmeb-617	89	95	1.61	1.61	NUM
ajbmeb-617	89	96	2.76	2.76	NUM
ajbmeb-617	89	97	0.97	0.97	NUM
ajbmeb-617	89	98	1.01	1.01	NUM
ajbmeb-617	89	99	2017	2017	NUM
ajbmeb-617	89	100	2.12	2.12	NUM
ajbmeb-617	89	101	31.67	31.67	NUM
ajbmeb-617	89	102	4.65	4.65	NUM
ajbmeb-617	89	103	68.47	68.47	NUM
ajbmeb-617	89	104	1.40	1.40	NUM
ajbmeb-617	89	105	44.32	44.32	NUM
ajbmeb-617	89	106	1.45	1.45	NUM
ajbmeb-617	89	107	43.56	43.56	NUM
ajbmeb-617	89	108	2018	2018	NUM
ajbmeb-617	89	109	3.03	3.03	NUM
ajbmeb-617	89	110	42.92	42.92	NUM
ajbmeb-617	89	111	3.44	3.44	NUM
ajbmeb-617	89	112	-26.02	-26.02	PROPN
ajbmeb-617	89	113	1.12	1.12	NUM
ajbmeb-617	89	114	-20	-20	NUM
ajbmeb-617	89	115	1.61	1.61	NUM
ajbmeb-617	89	116	11.03	11.03	NUM
ajbmeb-617	89	117	2019	2019	NUM
ajbmeb-617	89	118	-2.27	-2.27	PROPN
ajbmeb-617	89	119	-174.91	-174.91	PROPN
ajbmeb-617	89	120	-2.45	-2.45	PUNCT
ajbmeb-617	89	121	-174.12	-174.12	PROPN
ajbmeb-617	89	122	-0.98	-0.98	NUM
ajbmeb-617	90	1	-187.5	-187.5	PROPN
ajbmeb-617	90	2	-1.18	-1.18	X
ajbmeb-617	90	3	-173.29	-173.29	PROPN
ajbmeb-617	90	4	2020	2020	NUM
ajbmeb-617	90	5	-1.16	-1.16	PROPN
ajbmeb-617	90	6	-48.89	-48.89	PROPN
ajbmeb-617	90	7	-1.57	-1.57	PROPN
ajbmeb-617	91	1	-35.91	-35.91	PROPN
ajbmeb-617	91	2	-0.65	-0.65	NUM
ajbmeb-617	91	3	-33.67	-33.67	PROPN
ajbmeb-617	91	4	-0.67	-0.67	INTJ
ajbmeb-617	91	5	-43.22	-43.22	PROPN
ajbmeb-617	91	6	2021	2021	NUM
ajbmeb-617	91	7	-1.71	-1.71	NUM
ajbmeb-617	91	8	47.41	47.41	NUM
ajbmeb-617	91	9	-3.10	-3.10	NOUN
ajbmeb-617	91	10	97.45	97.45	NUM
ajbmeb-617	91	11	-1.05	-1.05	NUM
ajbmeb-617	91	12	61.83	61.83	NUM
ajbmeb-617	91	13	-1.10	-1.10	NOUN
ajbmeb-617	91	14	64.17	64.17	NUM
ajbmeb-617	91	15	american	american	ADJ
ajbmeb-617	91	16	journal	journal	PROPN
ajbmeb-617	91	17	of	of	ADP
ajbmeb-617	91	18	business	business	NOUN
ajbmeb-617	91	19	management	management	NOUN
ajbmeb-617	91	20	,	,	PUNCT
ajbmeb-617	91	21	economics	economic	NOUN
ajbmeb-617	91	22	and	and	CCONJ
ajbmeb-617	91	23	banking	banking	NOUN
ajbmeb-617	91	24	volume	volume	NOUN
ajbmeb-617	91	25	10	10	NUM
ajbmeb-617	91	26	march	march	NOUN
ajbmeb-617	91	27	,	,	PUNCT
ajbmeb-617	91	28	2023	2023	NUM
ajbmeb-617	91	29	p	p	NOUN
ajbmeb-617	91	30	a	a	DET
ajbmeb-617	91	31	g	g	NOUN
ajbmeb-617	91	32	e	e	NOUN
ajbmeb-617	91	33	|	|	NOUN
ajbmeb-617	91	34	168	168	NUM
ajbmeb-617	91	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	91	36	source	source	NOUN
ajbmeb-617	91	37	:	:	PUNCT
ajbmeb-617	91	38	prepared	prepare	VERB
ajbmeb-617	91	39	by	by	ADP
ajbmeb-617	91	40	researchers	researcher	NOUN
ajbmeb-617	91	41	based	base	VERB
ajbmeb-617	91	42	on	on	ADP
ajbmeb-617	91	43	:	:	PUNCT
ajbmeb-617	91	44	the	the	DET
ajbmeb-617	91	45	annual	annual	ADJ
ajbmeb-617	91	46	reports	report	NOUN
ajbmeb-617	91	47	of	of	ADP
ajbmeb-617	91	48	the	the	DET
ajbmeb-617	91	49	bank	bank	NOUN
ajbmeb-617	91	50	for	for	ADP
ajbmeb-617	91	51	the	the	DET
ajbmeb-617	91	52	period	period	NOUN
ajbmeb-617	91	53	(	(	PUNCT
ajbmeb-617	91	54	2016	2016	NUM
ajbmeb-617	91	55	-	-	PUNCT
ajbmeb-617	91	56	2021	2021	NUM
ajbmeb-617	91	57	)	)	PUNCT
ajbmeb-617	91	58	figure	figure	NOUN
ajbmeb-617	91	59	(	(	PUNCT
ajbmeb-617	91	60	1	1	X
ajbmeb-617	91	61	)	)	PUNCT
ajbmeb-617	91	62	shows	show	VERB
ajbmeb-617	91	63	trends	trend	NOUN
ajbmeb-617	91	64	in	in	ADP
ajbmeb-617	91	65	the	the	DET
ajbmeb-617	91	66	path	path	NOUN
ajbmeb-617	91	67	of	of	ADP
ajbmeb-617	91	68	indicators	indicator	NOUN
ajbmeb-617	91	69	of	of	ADP
ajbmeb-617	91	70	profitability	profitability	NOUN
ajbmeb-617	91	71	measurement	measurement	NOUN
ajbmeb-617	91	72	(	(	PUNCT
ajbmeb-617	91	73	return	return	VERB
ajbmeb-617	91	74	rate	rate	NOUN
ajbmeb-617	91	75	on	on	ADP
ajbmeb-617	91	76	equity	equity	NOUN
ajbmeb-617	91	77	%	%	NOUN
ajbmeb-617	91	78	,	,	PUNCT
ajbmeb-617	91	79	rate	rate	NOUN
ajbmeb-617	91	80	of	of	ADP
ajbmeb-617	91	81	return	return	NOUN
ajbmeb-617	91	82	on	on	ADP
ajbmeb-617	91	83	deposits	deposit	NOUN
ajbmeb-617	91	84	%	%	NOUN
ajbmeb-617	91	85	,	,	PUNCT
ajbmeb-617	91	86	rate	rate	NOUN
ajbmeb-617	91	87	of	of	ADP
ajbmeb-617	91	88	return	return	NOUN
ajbmeb-617	91	89	on	on	ADP
ajbmeb-617	91	90	assets	asset	NOUN
ajbmeb-617	91	91	%	%	NOUN
ajbmeb-617	91	92	,	,	PUNCT
ajbmeb-617	91	93	rate	rate	NOUN
ajbmeb-617	91	94	of	of	ADP
ajbmeb-617	91	95	return	return	NOUN
ajbmeb-617	91	96	on	on	ADP
ajbmeb-617	91	97	funds	fund	NOUN
ajbmeb-617	91	98	available	available	ADJ
ajbmeb-617	91	99	for	for	ADP
ajbmeb-617	91	100	employment	employment	NOUN
ajbmeb-617	91	101	%	%	NOUN
ajbmeb-617	91	102	)	)	PUNCT
ajbmeb-617	91	103	in	in	ADP
ajbmeb-617	91	104	the	the	DET
ajbmeb-617	91	105	credit	credit	NOUN
ajbmeb-617	91	106	bank	bank	NOUN
ajbmeb-617	91	107	of	of	ADP
ajbmeb-617	91	108	iraq	iraq	PROPN
ajbmeb-617	91	109	for	for	ADP
ajbmeb-617	91	110	the	the	DET
ajbmeb-617	91	111	period	period	NOUN
ajbmeb-617	91	112	(	(	PUNCT
ajbmeb-617	91	113	2016	2016	NUM
ajbmeb-617	91	114	-	-	SYM
ajbmeb-617	91	115	2021	2021	NUM
ajbmeb-617	91	116	)	)	PUNCT
ajbmeb-617	91	117	.	.	PUNCT
ajbmeb-617	92	1	figure	figure	NOUN
ajbmeb-617	92	2	(	(	PUNCT
ajbmeb-617	92	3	1	1	X
ajbmeb-617	92	4	)	)	PUNCT
ajbmeb-617	92	5	shows	show	VERB
ajbmeb-617	92	6	trends	trend	NOUN
ajbmeb-617	92	7	in	in	ADP
ajbmeb-617	92	8	the	the	DET
ajbmeb-617	92	9	path	path	NOUN
ajbmeb-617	92	10	of	of	ADP
ajbmeb-617	92	11	profitability	profitability	NOUN
ajbmeb-617	92	12	indicators	indicator	NOUN
ajbmeb-617	92	13	in	in	ADP
ajbmeb-617	92	14	the	the	DET
ajbmeb-617	92	15	credit	credit	NOUN
ajbmeb-617	92	16	bank	bank	NOUN
ajbmeb-617	92	17	of	of	ADP
ajbmeb-617	92	18	iraq	iraq	PROPN
ajbmeb-617	92	19	for	for	ADP
ajbmeb-617	92	20	the	the	DET
ajbmeb-617	92	21	period	period	NOUN
ajbmeb-617	92	22	(	(	PUNCT
ajbmeb-617	92	23	2016	2016	NUM
ajbmeb-617	92	24	-	-	PUNCT
ajbmeb-617	92	25	2021	2021	NUM
ajbmeb-617	92	26	)	)	PUNCT
ajbmeb-617	92	27	source	source	NOUN
ajbmeb-617	92	28	:	:	PUNCT
ajbmeb-617	92	29	prepared	prepare	VERB
ajbmeb-617	92	30	by	by	ADP
ajbmeb-617	92	31	researchers	researcher	NOUN
ajbmeb-617	92	32	based	base	VERB
ajbmeb-617	92	33	on	on	ADP
ajbmeb-617	92	34	the	the	DET
ajbmeb-617	92	35	financial	financial	ADJ
ajbmeb-617	92	36	data	datum	NOUN
ajbmeb-617	92	37	in	in	ADP
ajbmeb-617	92	38	the	the	DET
ajbmeb-617	92	39	above	above	ADJ
ajbmeb-617	92	40	table	table	NOUN
ajbmeb-617	92	41	of	of	ADP
ajbmeb-617	92	42	the	the	DET
ajbmeb-617	92	43	iraqi	iraqi	ADJ
ajbmeb-617	92	44	credit	credit	NOUN
ajbmeb-617	92	45	bank	bank	NOUN
ajbmeb-617	92	46	for	for	ADP
ajbmeb-617	92	47	the	the	DET
ajbmeb-617	92	48	period	period	NOUN
ajbmeb-617	92	49	(	(	PUNCT
ajbmeb-617	92	50	2016	2016	NUM
ajbmeb-617	92	51	-	-	SYM
ajbmeb-617	92	52	2021	2021	NUM
ajbmeb-617	92	53	)	)	PUNCT
ajbmeb-617	92	54	.	.	PUNCT
ajbmeb-617	93	1	second	second	ADV
ajbmeb-617	93	2	:	:	PUNCT
ajbmeb-617	93	3	international	international	ADJ
ajbmeb-617	93	4	development	development	PROPN
ajbmeb-617	93	5	bank	bank	PROPN
ajbmeb-617	93	6	1	1	NUM
ajbmeb-617	93	7	.	.	PUNCT
ajbmeb-617	94	1	the	the	DET
ajbmeb-617	94	2	rate	rate	NOUN
ajbmeb-617	94	3	of	of	ADP
ajbmeb-617	94	4	return	return	NOUN
ajbmeb-617	94	5	on	on	ADP
ajbmeb-617	94	6	equity	equity	NOUN
ajbmeb-617	94	7	(	(	PUNCT
ajbmeb-617	94	8	roe	roe	PROPN
ajbmeb-617	94	9	)	)	PUNCT
ajbmeb-617	94	10	it	it	PRON
ajbmeb-617	94	11	is	be	AUX
ajbmeb-617	94	12	clear	clear	ADJ
ajbmeb-617	94	13	from	from	ADP
ajbmeb-617	94	14	table	table	NOUN
ajbmeb-617	94	15	(	(	PUNCT
ajbmeb-617	94	16	4	4	NUM
ajbmeb-617	94	17	)	)	PUNCT
ajbmeb-617	94	18	that	that	SCONJ
ajbmeb-617	94	19	the	the	DET
ajbmeb-617	94	20	return	return	NOUN
ajbmeb-617	94	21	on	on	ADP
ajbmeb-617	94	22	equity	equity	NOUN
ajbmeb-617	94	23	index	index	NOUN
ajbmeb-617	94	24	took	take	VERB
ajbmeb-617	94	25	different	different	ADJ
ajbmeb-617	94	26	rates	rate	NOUN
ajbmeb-617	94	27	during	during	ADP
ajbmeb-617	94	28	the	the	DET
ajbmeb-617	94	29	study	study	NOUN
ajbmeb-617	94	30	period	period	NOUN
ajbmeb-617	94	31	,	,	PUNCT
ajbmeb-617	94	32	as	as	SCONJ
ajbmeb-617	94	33	its	its	PRON
ajbmeb-617	94	34	rate	rate	NOUN
ajbmeb-617	94	35	fluctuated	fluctuate	VERB
ajbmeb-617	94	36	between	between	ADP
ajbmeb-617	94	37	high	high	ADJ
ajbmeb-617	94	38	and	and	CCONJ
ajbmeb-617	94	39	low	low	ADJ
ajbmeb-617	94	40	at	at	ADP
ajbmeb-617	94	41	the	the	DET
ajbmeb-617	94	42	beginning	beginning	NOUN
ajbmeb-617	94	43	of	of	ADP
ajbmeb-617	94	44	the	the	DET
ajbmeb-617	94	45	study	study	NOUN
ajbmeb-617	94	46	period	period	NOUN
ajbmeb-617	94	47	,	,	PUNCT
ajbmeb-617	94	48	and	and	CCONJ
ajbmeb-617	94	49	then	then	ADV
ajbmeb-617	94	50	this	this	DET
ajbmeb-617	94	51	ratio	ratio	NOUN
ajbmeb-617	94	52	increased	increase	VERB
ajbmeb-617	94	53	from	from	ADP
ajbmeb-617	94	54	year	year	NOUN
ajbmeb-617	94	55	to	to	ADP
ajbmeb-617	94	56	year	year	NOUN
ajbmeb-617	94	57	.	.	PUNCT
ajbmeb-617	95	1	where	where	SCONJ
ajbmeb-617	95	2	the	the	DET
ajbmeb-617	95	3	bank	bank	NOUN
ajbmeb-617	95	4	achieved	achieve	VERB
ajbmeb-617	95	5	its	its	PRON
ajbmeb-617	95	6	highest	high	ADJ
ajbmeb-617	95	7	percentage	percentage	NOUN
ajbmeb-617	95	8	in	in	ADP
ajbmeb-617	95	9	relation	relation	NOUN
ajbmeb-617	95	10	to	to	ADP
ajbmeb-617	95	11	this	this	DET
ajbmeb-617	95	12	indicator	indicator	NOUN
ajbmeb-617	95	13	during	during	ADP
ajbmeb-617	95	14	the	the	DET
ajbmeb-617	95	15	first	first	ADJ
ajbmeb-617	95	16	four	four	NUM
ajbmeb-617	95	17	years	year	NOUN
ajbmeb-617	95	18	of	of	ADP
ajbmeb-617	95	19	the	the	DET
ajbmeb-617	95	20	study	study	NOUN
ajbmeb-617	95	21	in	in	ADP
ajbmeb-617	95	22	2016	2016	NUM
ajbmeb-617	95	23	,	,	PUNCT
ajbmeb-617	95	24	as	as	SCONJ
ajbmeb-617	95	25	shown	show	VERB
ajbmeb-617	95	26	in	in	ADP
ajbmeb-617	95	27	table	table	NOUN
ajbmeb-617	95	28	(	(	PUNCT
ajbmeb-617	95	29	4	4	NUM
ajbmeb-617	95	30	)	)	PUNCT
ajbmeb-617	95	31	,	,	PUNCT
ajbmeb-617	95	32	as	as	SCONJ
ajbmeb-617	95	33	it	it	PRON
ajbmeb-617	95	34	reached	reach	VERB
ajbmeb-617	95	35	(	(	PUNCT
ajbmeb-617	95	36	6.06	6.06	NUM
ajbmeb-617	95	37	%	%	NOUN
ajbmeb-617	95	38	)	)	PUNCT
ajbmeb-617	95	39	at	at	ADP
ajbmeb-617	95	40	the	the	DET
ajbmeb-617	95	41	end	end	NOUN
ajbmeb-617	95	42	of	of	ADP
ajbmeb-617	95	43	2016	2016	NUM
ajbmeb-617	95	44	,	,	PUNCT
ajbmeb-617	95	45	and	and	CCONJ
ajbmeb-617	95	46	the	the	DET
ajbmeb-617	95	47	reason	reason	NOUN
ajbmeb-617	95	48	for	for	ADP
ajbmeb-617	95	49	this	this	PRON
ajbmeb-617	95	50	is	be	AUX
ajbmeb-617	95	51	because	because	SCONJ
ajbmeb-617	95	52	the	the	DET
ajbmeb-617	95	53	bank	bank	NOUN
ajbmeb-617	95	54	has	have	AUX
ajbmeb-617	95	55	achieved	achieve	VERB
ajbmeb-617	95	56	the	the	DET
ajbmeb-617	95	57	highest	high	ADJ
ajbmeb-617	95	58	net	net	ADJ
ajbmeb-617	95	59	profit	profit	NOUN
ajbmeb-617	95	60	during	during	ADP
ajbmeb-617	95	61	the	the	DET
ajbmeb-617	95	62	years	year	NOUN
ajbmeb-617	95	63	of	of	ADP
ajbmeb-617	95	64	the	the	DET
ajbmeb-617	95	65	first	first	ADJ
ajbmeb-617	95	66	four	four	NUM
ajbmeb-617	95	67	of	of	ADP
ajbmeb-617	95	68	the	the	DET
ajbmeb-617	95	69	study	study	NOUN
ajbmeb-617	95	70	in	in	ADP
ajbmeb-617	95	71	2016	2016	NUM
ajbmeb-617	95	72	and	and	CCONJ
ajbmeb-617	95	73	as	as	SCONJ
ajbmeb-617	95	74	proven	prove	VERB
ajbmeb-617	95	75	by	by	ADP
ajbmeb-617	95	76	the	the	DET
ajbmeb-617	95	77	bank	bank	NOUN
ajbmeb-617	95	78	’s	’s	PART
ajbmeb-617	95	79	lists	list	NOUN
ajbmeb-617	95	80	,	,	PUNCT
ajbmeb-617	95	81	where	where	SCONJ
ajbmeb-617	95	82	the	the	DET
ajbmeb-617	95	83	net	net	ADJ
ajbmeb-617	95	84	profit	profit	NOUN
ajbmeb-617	95	85	after	after	ADP
ajbmeb-617	95	86	tax	tax	NOUN
ajbmeb-617	95	87	at	at	ADP
ajbmeb-617	95	88	the	the	DET
ajbmeb-617	95	89	end	end	NOUN
ajbmeb-617	95	90	of	of	ADP
ajbmeb-617	95	91	2016	2016	NUM
ajbmeb-617	95	92	reached	reach	VERB
ajbmeb-617	95	93	(	(	PUNCT
ajbmeb-617	95	94	16535	16535	NUM
ajbmeb-617	95	95	)	)	PUNCT
ajbmeb-617	95	96	million	million	NUM
ajbmeb-617	95	97	dinars	dinar	NOUN
ajbmeb-617	95	98	,	,	PUNCT
ajbmeb-617	95	99	and	and	CCONJ
ajbmeb-617	95	100	also	also	ADV
ajbmeb-617	95	101	achieved	achieve	VERB
ajbmeb-617	95	102	the	the	DET
ajbmeb-617	95	103	highest	high	ADJ
ajbmeb-617	95	104	net	net	ADJ
ajbmeb-617	95	105	income	income	NOUN
ajbmeb-617	95	106	from	from	ADP
ajbmeb-617	95	107	interest	interest	NOUN
ajbmeb-617	95	108	and	and	CCONJ
ajbmeb-617	95	109	commissions	commission	NOUN
ajbmeb-617	95	110	during	during	ADP
ajbmeb-617	95	111	the	the	DET
ajbmeb-617	95	112	first	first	ADJ
ajbmeb-617	95	113	four	four	NUM
ajbmeb-617	95	114	years	year	NOUN
ajbmeb-617	95	115	of	of	ADP
ajbmeb-617	95	116	the	the	DET
ajbmeb-617	95	117	study	study	NOUN
ajbmeb-617	95	118	at	at	ADP
ajbmeb-617	95	119	the	the	DET
ajbmeb-617	95	120	end	end	NOUN
ajbmeb-617	95	121	of	of	ADP
ajbmeb-617	95	122	2016	2016	NUM
ajbmeb-617	95	123	,	,	PUNCT
ajbmeb-617	95	124	which	which	PRON
ajbmeb-617	95	125	amounted	amount	VERB
ajbmeb-617	95	126	to	to	ADP
ajbmeb-617	95	127	(	(	PUNCT
ajbmeb-617	95	128	41682	41682	NUM
ajbmeb-617	95	129	)	)	PUNCT
ajbmeb-617	95	130	one	one	NUM
ajbmeb-617	95	131	million	million	NUM
ajbmeb-617	95	132	dinars	dinar	NOUN
ajbmeb-617	95	133	,	,	PUNCT
ajbmeb-617	95	134	due	due	ADP
ajbmeb-617	95	135	to	to	ADP
ajbmeb-617	95	136	the	the	DET
ajbmeb-617	95	137	excellent	excellent	ADJ
ajbmeb-617	95	138	diversification	diversification	NOUN
ajbmeb-617	95	139	of	of	ADP
ajbmeb-617	95	140	banking	banking	NOUN
ajbmeb-617	95	141	services	service	NOUN
ajbmeb-617	95	142	this	this	DET
ajbmeb-617	95	143	year	year	NOUN
ajbmeb-617	95	144	,	,	PUNCT
ajbmeb-617	95	145	and	and	CCONJ
ajbmeb-617	95	146	since	since	SCONJ
ajbmeb-617	95	147	this	this	DET
ajbmeb-617	95	148	diversification	diversification	NOUN
ajbmeb-617	95	149	in	in	ADP
ajbmeb-617	95	150	services	service	NOUN
ajbmeb-617	95	151	is	be	AUX
ajbmeb-617	95	152	accompanied	accompany	VERB
ajbmeb-617	95	153	by	by	ADP
ajbmeb-617	95	154	commissions	commission	NOUN
ajbmeb-617	95	155	,	,	PUNCT
ajbmeb-617	95	156	so	so	SCONJ
ajbmeb-617	95	157	diversification	diversification	NOUN
ajbmeb-617	95	158	had	have	VERB
ajbmeb-617	95	159	a	a	DET
ajbmeb-617	95	160	clear	clear	ADJ
ajbmeb-617	95	161	positive	positive	ADJ
ajbmeb-617	95	162	role	role	NOUN
ajbmeb-617	95	163	,	,	PUNCT
ajbmeb-617	95	164	because	because	SCONJ
ajbmeb-617	95	165	it	it	PRON
ajbmeb-617	95	166	is	be	AUX
ajbmeb-617	95	167	known	know	VERB
ajbmeb-617	95	168	that	that	SCONJ
ajbmeb-617	95	169	the	the	DET
ajbmeb-617	95	170	various	various	ADJ
ajbmeb-617	95	171	services	service	NOUN
ajbmeb-617	95	172	provided	provide	VERB
ajbmeb-617	95	173	by	by	ADP
ajbmeb-617	95	174	the	the	DET
ajbmeb-617	95	175	bank	bank	NOUN
ajbmeb-617	95	176	are	be	AUX
ajbmeb-617	95	177	accompanied	accompany	VERB
ajbmeb-617	95	178	by	by	ADP
ajbmeb-617	95	179	commissions	commission	NOUN
ajbmeb-617	95	180	,	,	PUNCT
ajbmeb-617	95	181	and	and	CCONJ
ajbmeb-617	95	182	this	this	PRON
ajbmeb-617	95	183	led	lead	VERB
ajbmeb-617	95	184	to	to	ADP
ajbmeb-617	95	185	an	an	DET
ajbmeb-617	95	186	increase	increase	NOUN
ajbmeb-617	95	187	in	in	ADP
ajbmeb-617	95	188	net	net	ADJ
ajbmeb-617	95	189	interest	interest	NOUN
ajbmeb-617	95	190	and	and	CCONJ
ajbmeb-617	95	191	commission	commission	NOUN
ajbmeb-617	95	192	income	income	NOUN
ajbmeb-617	95	193	.	.	PUNCT
ajbmeb-617	96	1	thus	thus	ADV
ajbmeb-617	96	2	,	,	PUNCT
ajbmeb-617	96	3	it	it	PRON
ajbmeb-617	96	4	had	have	VERB
ajbmeb-617	96	5	a	a	DET
ajbmeb-617	96	6	positive	positive	ADJ
ajbmeb-617	96	7	impact	impact	NOUN
ajbmeb-617	96	8	on	on	ADP
ajbmeb-617	96	9	profitability	profitability	NOUN
ajbmeb-617	96	10	and	and	CCONJ
ajbmeb-617	96	11	the	the	DET
ajbmeb-617	96	12	rate	rate	NOUN
ajbmeb-617	96	13	of	of	ADP
ajbmeb-617	96	14	return	return	NOUN
ajbmeb-617	96	15	on	on	ADP
ajbmeb-617	96	16	equity	equity	NOUN
ajbmeb-617	96	17	.	.	PUNCT
ajbmeb-617	97	1	after	after	ADP
ajbmeb-617	97	2	2016	2016	NUM
ajbmeb-617	97	3	,	,	PUNCT
ajbmeb-617	97	4	the	the	DET
ajbmeb-617	97	5	rate	rate	NOUN
ajbmeb-617	97	6	of	of	ADP
ajbmeb-617	97	7	return	return	NOUN
ajbmeb-617	97	8	on	on	ADP
ajbmeb-617	97	9	equity	equity	NOUN
ajbmeb-617	97	10	gradually	gradually	ADV
ajbmeb-617	97	11	decreased	decrease	VERB
ajbmeb-617	97	12	from	from	ADP
ajbmeb-617	97	13	year	year	NOUN
ajbmeb-617	97	14	to	to	ADP
ajbmeb-617	97	15	year	year	NOUN
ajbmeb-617	97	16	during	during	ADP
ajbmeb-617	97	17	the	the	DET
ajbmeb-617	97	18	years	year	NOUN
ajbmeb-617	97	19	(	(	PUNCT
ajbmeb-617	97	20	2017	2017	NUM
ajbmeb-617	97	21	,	,	PUNCT
ajbmeb-617	97	22	2018	2018	NUM
ajbmeb-617	97	23	,	,	PUNCT
ajbmeb-617	97	24	2019	2019	NUM
ajbmeb-617	97	25	)	)	PUNCT
ajbmeb-617	97	26	,	,	PUNCT
ajbmeb-617	97	27	due	due	ADP
ajbmeb-617	97	28	to	to	ADP
ajbmeb-617	97	29	the	the	DET
ajbmeb-617	97	30	decrease	decrease	NOUN
ajbmeb-617	97	31	in	in	ADP
ajbmeb-617	97	32	net	net	ADJ
ajbmeb-617	97	33	profit	profit	NOUN
ajbmeb-617	97	34	as	as	ADV
ajbmeb-617	97	35	well	well	ADV
ajbmeb-617	97	36	as	as	ADP
ajbmeb-617	97	37	net	net	ADJ
ajbmeb-617	97	38	interest	interest	NOUN
ajbmeb-617	97	39	and	and	CCONJ
ajbmeb-617	97	40	commission	commission	NOUN
ajbmeb-617	97	41	income	income	NOUN
ajbmeb-617	97	42	gradually	gradually	ADV
ajbmeb-617	97	43	from	from	ADP
ajbmeb-617	97	44	year	year	NOUN
ajbmeb-617	97	45	to	to	ADP
ajbmeb-617	97	46	year	year	NOUN
ajbmeb-617	97	47	,	,	PUNCT
ajbmeb-617	97	48	and	and	CCONJ
ajbmeb-617	97	49	also	also	ADV
ajbmeb-617	97	50	that	that	SCONJ
ajbmeb-617	97	51	the	the	DET
ajbmeb-617	97	52	bank	bank	NOUN
ajbmeb-617	97	53	did	do	AUX
ajbmeb-617	97	54	not	not	PART
ajbmeb-617	97	55	add	add	VERB
ajbmeb-617	97	56	other	other	ADJ
ajbmeb-617	97	57	services	service	NOUN
ajbmeb-617	97	58	during	during	ADP
ajbmeb-617	97	59	the	the	DET
ajbmeb-617	97	60	years	year	NOUN
ajbmeb-617	97	61	(	(	PUNCT
ajbmeb-617	97	62	2017	2017	NUM
ajbmeb-617	97	63	,	,	PUNCT
ajbmeb-617	97	64	2018	2018	NUM
ajbmeb-617	97	65	,	,	PUNCT
ajbmeb-617	97	66	2019	2019	NUM
ajbmeb-617	97	67	)	)	PUNCT
ajbmeb-617	97	68	.	.	PUNCT
ajbmeb-617	98	1	-4	-4	INTJ
ajbmeb-617	99	1	-3	-3	INTJ
ajbmeb-617	99	2	-2	-2	INTJ
ajbmeb-617	100	1	-1	-1	SYM
ajbmeb-617	100	2	0	0	NUM
ajbmeb-617	101	1	1	1	NUM
ajbmeb-617	101	2	2	2	NUM
ajbmeb-617	101	3	3	3	NUM
ajbmeb-617	101	4	4	4	NUM
ajbmeb-617	101	5	5	5	NUM
ajbmeb-617	101	6	6	6	NUM
ajbmeb-617	101	7	2016	2016	NUM
ajbmeb-617	101	8	2017	2017	NUM
ajbmeb-617	101	9	2018	2018	NUM
ajbmeb-617	101	10	2019	2019	NUM
ajbmeb-617	101	11	2020	2020	NUM
ajbmeb-617	101	12	2021	2021	NUM
ajbmeb-617	101	13	rate	rate	NOUN
ajbmeb-617	101	14	of	of	ADP
ajbmeb-617	101	15	return	return	NOUN
ajbmeb-617	101	16	on	on	ADP
ajbmeb-617	101	17	equity	equity	NOUN
ajbmeb-617	101	18	%	%	NOUN
ajbmeb-617	101	19	%	%	NOUN
ajbmeb-617	101	20	rate	rate	NOUN
ajbmeb-617	101	21	of	of	ADP
ajbmeb-617	101	22	return	return	NOUN
ajbmeb-617	101	23	on	on	ADP
ajbmeb-617	101	24	deposits	deposit	NOUN
ajbmeb-617	101	25	rate	rate	NOUN
ajbmeb-617	101	26	of	of	ADP
ajbmeb-617	101	27	return	return	NOUN
ajbmeb-617	101	28	on	on	ADP
ajbmeb-617	101	29	assets	asset	NOUN
ajbmeb-617	101	30	%	%	NOUN
ajbmeb-617	101	31	rate	rate	NOUN
ajbmeb-617	101	32	of	of	ADP
ajbmeb-617	101	33	return	return	NOUN
ajbmeb-617	101	34	on	on	ADP
ajbmeb-617	101	35	funds	fund	NOUN
ajbmeb-617	101	36	available	available	ADJ
ajbmeb-617	101	37	for	for	ADP
ajbmeb-617	101	38	employment	employment	NOUN
ajbmeb-617	101	39	%	%	PROPN
ajbmeb-617	101	40	american	american	PROPN
ajbmeb-617	101	41	journal	journal	PROPN
ajbmeb-617	101	42	of	of	ADP
ajbmeb-617	101	43	business	business	NOUN
ajbmeb-617	101	44	management	management	NOUN
ajbmeb-617	101	45	,	,	PUNCT
ajbmeb-617	101	46	economics	economic	NOUN
ajbmeb-617	101	47	and	and	CCONJ
ajbmeb-617	101	48	banking	banking	NOUN
ajbmeb-617	101	49	volume	volume	NOUN
ajbmeb-617	101	50	10	10	NUM
ajbmeb-617	101	51	march	march	NOUN
ajbmeb-617	101	52	,	,	PUNCT
ajbmeb-617	101	53	2023	2023	NUM
ajbmeb-617	101	54	p	p	NOUN
ajbmeb-617	101	55	a	a	DET
ajbmeb-617	101	56	g	g	NOUN
ajbmeb-617	101	57	e	e	NOUN
ajbmeb-617	101	58	|	|	NOUN
ajbmeb-617	101	59	169	169	NUM
ajbmeb-617	101	60	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	101	61	and	and	CCONJ
ajbmeb-617	101	62	compared	compare	VERB
ajbmeb-617	101	63	to	to	ADP
ajbmeb-617	101	64	the	the	DET
ajbmeb-617	101	65	year	year	NOUN
ajbmeb-617	101	66	(	(	PUNCT
ajbmeb-617	101	67	2020	2020	NUM
ajbmeb-617	101	68	,	,	PUNCT
ajbmeb-617	101	69	2021	2021	NUM
ajbmeb-617	101	70	)	)	PUNCT
ajbmeb-617	101	71	and	and	CCONJ
ajbmeb-617	101	72	despite	despite	SCONJ
ajbmeb-617	101	73	the	the	DET
ajbmeb-617	101	74	emergence	emergence	NOUN
ajbmeb-617	101	75	of	of	ADP
ajbmeb-617	101	76	the	the	DET
ajbmeb-617	101	77	corona	corona	NOUN
ajbmeb-617	101	78	pandemic	pandemic	NOUN
ajbmeb-617	101	79	,	,	PUNCT
ajbmeb-617	101	80	which	which	PRON
ajbmeb-617	101	81	had	have	VERB
ajbmeb-617	101	82	an	an	DET
ajbmeb-617	101	83	impact	impact	NOUN
ajbmeb-617	101	84	on	on	ADP
ajbmeb-617	101	85	the	the	DET
ajbmeb-617	101	86	economy	economy	NOUN
ajbmeb-617	101	87	in	in	ADP
ajbmeb-617	101	88	general	general	ADJ
ajbmeb-617	101	89	,	,	PUNCT
ajbmeb-617	101	90	due	due	ADP
ajbmeb-617	101	91	to	to	ADP
ajbmeb-617	101	92	the	the	DET
ajbmeb-617	101	93	circumstances	circumstance	NOUN
ajbmeb-617	101	94	that	that	PRON
ajbmeb-617	101	95	accompanied	accompany	VERB
ajbmeb-617	101	96	this	this	DET
ajbmeb-617	101	97	pandemic	pandemic	NOUN
ajbmeb-617	101	98	,	,	PUNCT
ajbmeb-617	101	99	and	and	CCONJ
ajbmeb-617	101	100	this	this	PRON
ajbmeb-617	101	101	is	be	AUX
ajbmeb-617	101	102	what	what	PRON
ajbmeb-617	101	103	called	call	VERB
ajbmeb-617	101	104	the	the	DET
ajbmeb-617	101	105	bank	bank	NOUN
ajbmeb-617	101	106	to	to	PART
ajbmeb-617	101	107	provide	provide	VERB
ajbmeb-617	101	108	new	new	ADJ
ajbmeb-617	101	109	electronic	electronic	ADJ
ajbmeb-617	101	110	services	service	NOUN
ajbmeb-617	101	111	as	as	ADV
ajbmeb-617	101	112	well	well	ADV
ajbmeb-617	101	113	as	as	ADP
ajbmeb-617	101	114	strengthened	strengthen	VERB
ajbmeb-617	101	115	its	its	PRON
ajbmeb-617	101	116	previous	previous	ADJ
ajbmeb-617	101	117	services	service	NOUN
ajbmeb-617	101	118	,	,	PUNCT
ajbmeb-617	101	119	and	and	CCONJ
ajbmeb-617	101	120	thus	thus	ADV
ajbmeb-617	101	121	the	the	DET
ajbmeb-617	101	122	bank	bank	NOUN
ajbmeb-617	101	123	faced	face	VERB
ajbmeb-617	101	124	these	these	DET
ajbmeb-617	101	125	challenges	challenge	NOUN
ajbmeb-617	101	126	positively	positively	ADV
ajbmeb-617	101	127	from	from	ADP
ajbmeb-617	101	128	in	in	ADP
ajbmeb-617	101	129	order	order	NOUN
ajbmeb-617	101	130	to	to	PART
ajbmeb-617	101	131	continue	continue	VERB
ajbmeb-617	101	132	to	to	PART
ajbmeb-617	101	133	communicate	communicate	VERB
ajbmeb-617	101	134	with	with	ADP
ajbmeb-617	101	135	customers	customer	NOUN
ajbmeb-617	101	136	,	,	PUNCT
ajbmeb-617	101	137	and	and	CCONJ
ajbmeb-617	101	138	this	this	PRON
ajbmeb-617	101	139	led	lead	VERB
ajbmeb-617	101	140	to	to	ADP
ajbmeb-617	101	141	an	an	DET
ajbmeb-617	101	142	increase	increase	NOUN
ajbmeb-617	101	143	in	in	ADP
ajbmeb-617	101	144	the	the	DET
ajbmeb-617	101	145	rate	rate	NOUN
ajbmeb-617	101	146	of	of	ADP
ajbmeb-617	101	147	return	return	NOUN
ajbmeb-617	101	148	on	on	ADP
ajbmeb-617	101	149	equity	equity	NOUN
ajbmeb-617	101	150	,	,	PUNCT
ajbmeb-617	101	151	which	which	PRON
ajbmeb-617	101	152	amounted	amount	VERB
ajbmeb-617	101	153	to	to	ADP
ajbmeb-617	101	154	(	(	PUNCT
ajbmeb-617	101	155	4.28	4.28	NUM
ajbmeb-617	101	156	%	%	NOUN
ajbmeb-617	101	157	)	)	PUNCT
ajbmeb-617	101	158	at	at	ADP
ajbmeb-617	101	159	the	the	DET
ajbmeb-617	101	160	end	end	NOUN
ajbmeb-617	101	161	of	of	ADP
ajbmeb-617	101	162	2020	2020	NUM
ajbmeb-617	101	163	,	,	PUNCT
ajbmeb-617	101	164	with	with	ADP
ajbmeb-617	101	165	an	an	DET
ajbmeb-617	101	166	increase	increase	NOUN
ajbmeb-617	101	167	rate	rate	NOUN
ajbmeb-617	101	168	of	of	ADP
ajbmeb-617	101	169	(	(	PUNCT
ajbmeb-617	101	170	122.91	122.91	NUM
ajbmeb-617	101	171	%	%	NOUN
ajbmeb-617	101	172	)	)	PUNCT
ajbmeb-617	101	173	compared	compare	VERB
ajbmeb-617	101	174	to	to	ADP
ajbmeb-617	101	175	the	the	DET
ajbmeb-617	101	176	previous	previous	ADJ
ajbmeb-617	101	177	year	year	NOUN
ajbmeb-617	101	178	,	,	PUNCT
ajbmeb-617	101	179	and	and	CCONJ
ajbmeb-617	101	180	thus	thus	ADV
ajbmeb-617	101	181	this	this	DET
ajbmeb-617	101	182	percentage	percentage	NOUN
ajbmeb-617	101	183	is	be	AUX
ajbmeb-617	101	184	considered	consider	VERB
ajbmeb-617	101	185	the	the	DET
ajbmeb-617	101	186	highest	high	ADJ
ajbmeb-617	101	187	rate	rate	NOUN
ajbmeb-617	101	188	of	of	ADP
ajbmeb-617	101	189	increase	increase	NOUN
ajbmeb-617	101	190	between	between	ADP
ajbmeb-617	101	191	two	two	NUM
ajbmeb-617	101	192	years	year	NOUN
ajbmeb-617	101	193	during	during	ADP
ajbmeb-617	101	194	a	a	DET
ajbmeb-617	101	195	period	period	NOUN
ajbmeb-617	101	196	of	of	ADP
ajbmeb-617	101	197	the	the	DET
ajbmeb-617	101	198	study	study	NOUN
ajbmeb-617	101	199	for	for	ADP
ajbmeb-617	101	200	this	this	DET
ajbmeb-617	101	201	indicator	indicator	NOUN
ajbmeb-617	101	202	,	,	PUNCT
ajbmeb-617	101	203	due	due	ADP
ajbmeb-617	101	204	to	to	ADP
ajbmeb-617	101	205	the	the	DET
ajbmeb-617	101	206	increase	increase	NOUN
ajbmeb-617	101	207	in	in	ADP
ajbmeb-617	101	208	net	net	ADJ
ajbmeb-617	101	209	interest	interest	NOUN
ajbmeb-617	101	210	and	and	CCONJ
ajbmeb-617	101	211	commission	commission	NOUN
ajbmeb-617	101	212	revenues	revenue	NOUN
ajbmeb-617	101	213	,	,	PUNCT
ajbmeb-617	101	214	as	as	SCONJ
ajbmeb-617	101	215	shown	show	VERB
ajbmeb-617	101	216	in	in	ADP
ajbmeb-617	101	217	the	the	DET
ajbmeb-617	101	218	bank	bank	NOUN
ajbmeb-617	101	219	’s	’s	PART
ajbmeb-617	101	220	income	income	NOUN
ajbmeb-617	101	221	statement	statement	NOUN
ajbmeb-617	101	222	,	,	PUNCT
ajbmeb-617	101	223	which	which	PRON
ajbmeb-617	101	224	reached	reach	VERB
ajbmeb-617	101	225	(	(	PUNCT
ajbmeb-617	101	226	41084	41084	NUM
ajbmeb-617	101	227	)	)	PUNCT
ajbmeb-617	101	228	million	million	NUM
ajbmeb-617	101	229	dinars	dinar	NOUN
ajbmeb-617	101	230	at	at	ADP
ajbmeb-617	101	231	the	the	DET
ajbmeb-617	101	232	end	end	NOUN
ajbmeb-617	101	233	of	of	ADP
ajbmeb-617	101	234	2020	2020	NUM
ajbmeb-617	101	235	,	,	PUNCT
ajbmeb-617	101	236	and	and	CCONJ
ajbmeb-617	101	237	reached	reach	VERB
ajbmeb-617	101	238	(	(	PUNCT
ajbmeb-617	101	239	26015	26015	NUM
ajbmeb-617	101	240	)	)	PUNCT
ajbmeb-617	101	241	million	million	NUM
ajbmeb-617	101	242	dinars	dinar	NOUN
ajbmeb-617	101	243	at	at	ADP
ajbmeb-617	101	244	the	the	DET
ajbmeb-617	101	245	end	end	NOUN
ajbmeb-617	101	246	of	of	ADP
ajbmeb-617	101	247	2019	2019	NUM
ajbmeb-617	101	248	,	,	PUNCT
ajbmeb-617	101	249	thus	thus	ADV
ajbmeb-617	101	250	the	the	DET
ajbmeb-617	101	251	amount	amount	NOUN
ajbmeb-617	101	252	of	of	ADP
ajbmeb-617	101	253	the	the	DET
ajbmeb-617	101	254	increase	increase	NOUN
ajbmeb-617	101	255	at	at	ADP
ajbmeb-617	101	256	the	the	DET
ajbmeb-617	101	257	end	end	NOUN
ajbmeb-617	101	258	of	of	ADP
ajbmeb-617	101	259	2020	2020	NUM
ajbmeb-617	101	260	(	(	PUNCT
ajbmeb-617	101	261	15069	15069	NUM
ajbmeb-617	101	262	)	)	PUNCT
ajbmeb-617	101	263	million	million	NUM
ajbmeb-617	101	264	dinars	dinar	NOUN
ajbmeb-617	101	265	,	,	PUNCT
ajbmeb-617	101	266	an	an	DET
ajbmeb-617	101	267	increase	increase	NOUN
ajbmeb-617	101	268	of	of	ADP
ajbmeb-617	101	269	(	(	PUNCT
ajbmeb-617	101	270	57.92	57.92	NUM
ajbmeb-617	101	271	%	%	NOUN
ajbmeb-617	101	272	)	)	PUNCT
ajbmeb-617	101	273	over	over	ADP
ajbmeb-617	101	274	the	the	DET
ajbmeb-617	101	275	year	year	NOUN
ajbmeb-617	101	276	2019	2019	NUM
ajbmeb-617	101	277	,	,	PUNCT
ajbmeb-617	101	278	and	and	CCONJ
ajbmeb-617	101	279	as	as	ADP
ajbmeb-617	101	280	a	a	DET
ajbmeb-617	101	281	result	result	NOUN
ajbmeb-617	101	282	,	,	PUNCT
ajbmeb-617	101	283	this	this	PRON
ajbmeb-617	101	284	led	lead	VERB
ajbmeb-617	101	285	to	to	ADP
ajbmeb-617	101	286	an	an	DET
ajbmeb-617	101	287	increase	increase	NOUN
ajbmeb-617	101	288	in	in	ADP
ajbmeb-617	101	289	net	net	ADJ
ajbmeb-617	101	290	profit	profit	NOUN
ajbmeb-617	101	291	after	after	ADP
ajbmeb-617	101	292	tax	tax	NOUN
ajbmeb-617	101	293	from	from	ADP
ajbmeb-617	101	294	(	(	PUNCT
ajbmeb-617	101	295	5181	5181	NUM
ajbmeb-617	101	296	)	)	PUNCT
ajbmeb-617	101	297	million	million	NUM
ajbmeb-617	101	298	dinars	dinar	NOUN
ajbmeb-617	101	299	at	at	ADP
ajbmeb-617	101	300	the	the	DET
ajbmeb-617	101	301	end	end	NOUN
ajbmeb-617	101	302	of	of	ADP
ajbmeb-617	101	303	2019	2019	NUM
ajbmeb-617	101	304	,	,	PUNCT
ajbmeb-617	101	305	to	to	ADP
ajbmeb-617	101	306	(	(	PUNCT
ajbmeb-617	101	307	13631	13631	NUM
ajbmeb-617	101	308	)	)	PUNCT
ajbmeb-617	101	309	million	million	NUM
ajbmeb-617	101	310	dinars	dinar	NOUN
ajbmeb-617	101	311	at	at	ADP
ajbmeb-617	101	312	the	the	DET
ajbmeb-617	101	313	end	end	NOUN
ajbmeb-617	101	314	of	of	ADP
ajbmeb-617	101	315	2020	2020	NUM
ajbmeb-617	101	316	,	,	PUNCT
ajbmeb-617	101	317	an	an	DET
ajbmeb-617	101	318	increase	increase	NOUN
ajbmeb-617	101	319	of	of	ADP
ajbmeb-617	101	320	(	(	PUNCT
ajbmeb-617	101	321	8450	8450	NUM
ajbmeb-617	101	322	)	)	PUNCT
ajbmeb-617	101	323	million	million	NUM
ajbmeb-617	101	324	dinars	dinar	NOUN
ajbmeb-617	101	325	,	,	PUNCT
ajbmeb-617	101	326	an	an	DET
ajbmeb-617	101	327	increase	increase	NOUN
ajbmeb-617	101	328	of	of	ADP
ajbmeb-617	101	329	(	(	PUNCT
ajbmeb-617	101	330	163.09)%	163.09)%	NUM
ajbmeb-617	101	331	compared	compare	VERB
ajbmeb-617	101	332	to	to	ADP
ajbmeb-617	101	333	the	the	DET
ajbmeb-617	101	334	previous	previous	ADJ
ajbmeb-617	101	335	year	year	NOUN
ajbmeb-617	101	336	,	,	PUNCT
ajbmeb-617	101	337	and	and	CCONJ
ajbmeb-617	101	338	as	as	ADP
ajbmeb-617	101	339	a	a	DET
ajbmeb-617	101	340	result	result	NOUN
ajbmeb-617	101	341	,	,	PUNCT
ajbmeb-617	101	342	this	this	PRON
ajbmeb-617	101	343	led	lead	VERB
ajbmeb-617	101	344	to	to	ADP
ajbmeb-617	101	345	an	an	DET
ajbmeb-617	101	346	increase	increase	NOUN
ajbmeb-617	101	347	in	in	ADP
ajbmeb-617	101	348	the	the	DET
ajbmeb-617	101	349	rate	rate	NOUN
ajbmeb-617	101	350	of	of	ADP
ajbmeb-617	101	351	return	return	NOUN
ajbmeb-617	101	352	on	on	ADP
ajbmeb-617	101	353	equity	equity	NOUN
ajbmeb-617	101	354	.	.	PUNCT
ajbmeb-617	102	1	in	in	ADP
ajbmeb-617	102	2	comparison	comparison	NOUN
ajbmeb-617	102	3	with	with	ADP
ajbmeb-617	102	4	the	the	DET
ajbmeb-617	102	5	year	year	NOUN
ajbmeb-617	102	6	2021	2021	NUM
ajbmeb-617	102	7	and	and	CCONJ
ajbmeb-617	102	8	despite	despite	SCONJ
ajbmeb-617	102	9	the	the	DET
ajbmeb-617	102	10	continuation	continuation	NOUN
ajbmeb-617	102	11	of	of	ADP
ajbmeb-617	102	12	the	the	DET
ajbmeb-617	102	13	corona	corona	NOUN
ajbmeb-617	102	14	pandemic	pandemic	NOUN
ajbmeb-617	102	15	,	,	PUNCT
ajbmeb-617	102	16	the	the	DET
ajbmeb-617	102	17	rate	rate	NOUN
ajbmeb-617	102	18	of	of	ADP
ajbmeb-617	102	19	return	return	NOUN
ajbmeb-617	102	20	on	on	ADP
ajbmeb-617	102	21	equity	equity	NOUN
ajbmeb-617	102	22	continued	continue	VERB
ajbmeb-617	102	23	to	to	PART
ajbmeb-617	102	24	rise	rise	VERB
ajbmeb-617	102	25	,	,	PUNCT
ajbmeb-617	102	26	reaching	reach	VERB
ajbmeb-617	102	27	(	(	PUNCT
ajbmeb-617	102	28	5.78	5.78	NUM
ajbmeb-617	102	29	%	%	NOUN
ajbmeb-617	102	30	)	)	PUNCT
ajbmeb-617	102	31	at	at	ADP
ajbmeb-617	102	32	the	the	DET
ajbmeb-617	102	33	end	end	NOUN
ajbmeb-617	102	34	of	of	ADP
ajbmeb-617	102	35	2021	2021	NUM
ajbmeb-617	102	36	,	,	PUNCT
ajbmeb-617	102	37	because	because	SCONJ
ajbmeb-617	102	38	the	the	DET
ajbmeb-617	102	39	bank	bank	NOUN
ajbmeb-617	102	40	kept	keep	VERB
ajbmeb-617	102	41	pace	pace	NOUN
ajbmeb-617	102	42	with	with	ADP
ajbmeb-617	102	43	developments	development	NOUN
ajbmeb-617	102	44	and	and	CCONJ
ajbmeb-617	102	45	expanded	expand	VERB
ajbmeb-617	102	46	its	its	PRON
ajbmeb-617	102	47	modern	modern	ADJ
ajbmeb-617	102	48	electronic	electronic	ADJ
ajbmeb-617	102	49	services	service	NOUN
ajbmeb-617	102	50	in	in	ADP
ajbmeb-617	102	51	this	this	DET
ajbmeb-617	102	52	year	year	NOUN
ajbmeb-617	102	53	,	,	PUNCT
ajbmeb-617	102	54	which	which	PRON
ajbmeb-617	102	55	is	be	AUX
ajbmeb-617	102	56	considered	consider	VERB
ajbmeb-617	102	57	the	the	DET
ajbmeb-617	102	58	year	year	NOUN
ajbmeb-617	102	59	of	of	ADP
ajbmeb-617	102	60	challenges	challenge	NOUN
ajbmeb-617	102	61	and	and	CCONJ
ajbmeb-617	102	62	opportunities	opportunity	NOUN
ajbmeb-617	102	63	for	for	ADP
ajbmeb-617	102	64	the	the	DET
ajbmeb-617	102	65	bank	bank	NOUN
ajbmeb-617	102	66	.	.	PUNCT
ajbmeb-617	103	1	2	2	X
ajbmeb-617	103	2	.	.	X
ajbmeb-617	103	3	rate	rate	NOUN
ajbmeb-617	103	4	of	of	ADP
ajbmeb-617	103	5	return	return	NOUN
ajbmeb-617	103	6	on	on	ADP
ajbmeb-617	103	7	deposits	deposit	NOUN
ajbmeb-617	103	8	(	(	PUNCT
ajbmeb-617	103	9	rod	rod	NOUN
ajbmeb-617	103	10	)	)	PUNCT
ajbmeb-617	103	11	the	the	DET
ajbmeb-617	103	12	behavior	behavior	NOUN
ajbmeb-617	103	13	of	of	ADP
ajbmeb-617	103	14	this	this	DET
ajbmeb-617	103	15	indicator	indicator	NOUN
ajbmeb-617	103	16	did	do	AUX
ajbmeb-617	103	17	not	not	PART
ajbmeb-617	103	18	differ	differ	VERB
ajbmeb-617	103	19	from	from	ADP
ajbmeb-617	103	20	the	the	DET
ajbmeb-617	103	21	return	return	NOUN
ajbmeb-617	103	22	on	on	ADP
ajbmeb-617	103	23	an	an	DET
ajbmeb-617	103	24	equity	equity	NOUN
ajbmeb-617	103	25	index	index	NOUN
ajbmeb-617	103	26	.	.	PUNCT
ajbmeb-617	104	1	table	table	NOUN
ajbmeb-617	104	2	(	(	PUNCT
ajbmeb-617	104	3	4	4	NUM
ajbmeb-617	104	4	)	)	PUNCT
ajbmeb-617	104	5	and	and	CCONJ
ajbmeb-617	104	6	figure	figure	NOUN
ajbmeb-617	104	7	(	(	PUNCT
ajbmeb-617	104	8	2	2	X
ajbmeb-617	104	9	)	)	PUNCT
ajbmeb-617	104	10	explain	explain	VERB
ajbmeb-617	104	11	this	this	PRON
ajbmeb-617	104	12	,	,	PUNCT
ajbmeb-617	104	13	which	which	PRON
ajbmeb-617	104	14	was	be	AUX
ajbmeb-617	104	15	based	base	VERB
ajbmeb-617	104	16	on	on	ADP
ajbmeb-617	104	17	the	the	DET
ajbmeb-617	104	18	data	datum	NOUN
ajbmeb-617	104	19	from	from	ADP
ajbmeb-617	104	20	the	the	DET
ajbmeb-617	104	21	bank	bank	NOUN
ajbmeb-617	104	22	's	's	PART
ajbmeb-617	104	23	financial	financial	ADJ
ajbmeb-617	104	24	reports	report	NOUN
ajbmeb-617	104	25	.	.	PUNCT
ajbmeb-617	105	1	3	3	X
ajbmeb-617	105	2	.	.	X
ajbmeb-617	105	3	rate	rate	NOUN
ajbmeb-617	105	4	of	of	ADP
ajbmeb-617	105	5	return	return	NOUN
ajbmeb-617	105	6	on	on	ADP
ajbmeb-617	105	7	assets	asset	NOUN
ajbmeb-617	105	8	(	(	PUNCT
ajbmeb-617	105	9	roa	roa	NOUN
ajbmeb-617	105	10	)	)	PUNCT
ajbmeb-617	105	11	the	the	DET
ajbmeb-617	105	12	behavior	behavior	NOUN
ajbmeb-617	105	13	of	of	ADP
ajbmeb-617	105	14	this	this	DET
ajbmeb-617	105	15	indicator	indicator	NOUN
ajbmeb-617	105	16	did	do	AUX
ajbmeb-617	105	17	not	not	PART
ajbmeb-617	105	18	differ	differ	VERB
ajbmeb-617	105	19	from	from	ADP
ajbmeb-617	105	20	the	the	DET
ajbmeb-617	105	21	return	return	NOUN
ajbmeb-617	105	22	on	on	ADP
ajbmeb-617	105	23	an	an	DET
ajbmeb-617	105	24	equity	equity	NOUN
ajbmeb-617	105	25	index	index	NOUN
ajbmeb-617	105	26	.	.	PUNCT
ajbmeb-617	106	1	table	table	NOUN
ajbmeb-617	106	2	(	(	PUNCT
ajbmeb-617	106	3	4	4	NUM
ajbmeb-617	106	4	)	)	PUNCT
ajbmeb-617	106	5	and	and	CCONJ
ajbmeb-617	106	6	figure	figure	NOUN
ajbmeb-617	106	7	(	(	PUNCT
ajbmeb-617	106	8	2	2	X
ajbmeb-617	106	9	)	)	PUNCT
ajbmeb-617	106	10	explain	explain	VERB
ajbmeb-617	106	11	this	this	PRON
ajbmeb-617	106	12	,	,	PUNCT
ajbmeb-617	106	13	which	which	PRON
ajbmeb-617	106	14	was	be	AUX
ajbmeb-617	106	15	based	base	VERB
ajbmeb-617	106	16	on	on	ADP
ajbmeb-617	106	17	the	the	DET
ajbmeb-617	106	18	data	datum	NOUN
ajbmeb-617	106	19	from	from	ADP
ajbmeb-617	106	20	the	the	DET
ajbmeb-617	106	21	bank	bank	NOUN
ajbmeb-617	106	22	's	's	PART
ajbmeb-617	106	23	financial	financial	ADJ
ajbmeb-617	106	24	reports	report	NOUN
ajbmeb-617	106	25	.	.	PUNCT
ajbmeb-617	107	1	4	4	X
ajbmeb-617	107	2	.	.	X
ajbmeb-617	107	3	rate	rate	NOUN
ajbmeb-617	107	4	of	of	ADP
ajbmeb-617	107	5	return	return	NOUN
ajbmeb-617	107	6	on	on	ADP
ajbmeb-617	107	7	funds	fund	NOUN
ajbmeb-617	107	8	available	available	ADJ
ajbmeb-617	107	9	for	for	ADP
ajbmeb-617	107	10	employment	employment	NOUN
ajbmeb-617	107	11	(	(	PUNCT
ajbmeb-617	107	12	rof	rof	PROPN
ajbmeb-617	107	13	)	)	PUNCT
ajbmeb-617	107	14	the	the	DET
ajbmeb-617	107	15	behavior	behavior	NOUN
ajbmeb-617	107	16	of	of	ADP
ajbmeb-617	107	17	this	this	DET
ajbmeb-617	107	18	indicator	indicator	NOUN
ajbmeb-617	107	19	did	do	AUX
ajbmeb-617	107	20	not	not	PART
ajbmeb-617	107	21	differ	differ	VERB
ajbmeb-617	107	22	from	from	ADP
ajbmeb-617	107	23	the	the	DET
ajbmeb-617	107	24	return	return	NOUN
ajbmeb-617	107	25	on	on	ADP
ajbmeb-617	107	26	an	an	DET
ajbmeb-617	107	27	equity	equity	NOUN
ajbmeb-617	107	28	index	index	NOUN
ajbmeb-617	107	29	.	.	PUNCT
ajbmeb-617	108	1	table	table	NOUN
ajbmeb-617	108	2	(	(	PUNCT
ajbmeb-617	108	3	4	4	NUM
ajbmeb-617	108	4	)	)	PUNCT
ajbmeb-617	108	5	and	and	CCONJ
ajbmeb-617	108	6	figure	figure	NOUN
ajbmeb-617	108	7	(	(	PUNCT
ajbmeb-617	108	8	2	2	X
ajbmeb-617	108	9	)	)	PUNCT
ajbmeb-617	108	10	explain	explain	VERB
ajbmeb-617	108	11	this	this	PRON
ajbmeb-617	108	12	,	,	PUNCT
ajbmeb-617	108	13	which	which	PRON
ajbmeb-617	108	14	was	be	AUX
ajbmeb-617	108	15	based	base	VERB
ajbmeb-617	108	16	on	on	ADP
ajbmeb-617	108	17	the	the	DET
ajbmeb-617	108	18	bank	bank	NOUN
ajbmeb-617	108	19	's	's	PART
ajbmeb-617	108	20	financial	financial	ADJ
ajbmeb-617	108	21	reporting	reporting	NOUN
ajbmeb-617	108	22	data	datum	NOUN
ajbmeb-617	108	23	.	.	PUNCT
ajbmeb-617	109	1	table	table	NOUN
ajbmeb-617	109	2	(	(	PUNCT
ajbmeb-617	109	3	4	4	NUM
ajbmeb-617	109	4	)	)	PUNCT
ajbmeb-617	109	5	indicators	indicator	NOUN
ajbmeb-617	109	6	for	for	ADP
ajbmeb-617	109	7	measuring	measure	VERB
ajbmeb-617	109	8	profitability	profitability	NOUN
ajbmeb-617	109	9	in	in	ADP
ajbmeb-617	109	10	the	the	DET
ajbmeb-617	109	11	international	international	PROPN
ajbmeb-617	109	12	development	development	PROPN
ajbmeb-617	109	13	bank	bank	PROPN
ajbmeb-617	109	14	for	for	ADP
ajbmeb-617	109	15	the	the	DET
ajbmeb-617	109	16	period	period	NOUN
ajbmeb-617	109	17	(	(	PUNCT
ajbmeb-617	109	18	2016	2016	NUM
ajbmeb-617	109	19	-	-	PUNCT
ajbmeb-617	109	20	2021	2021	NUM
ajbmeb-617	109	21	)	)	PUNCT
ajbmeb-617	109	22	indicators	indicator	NOUN
ajbmeb-617	109	23	rate	rate	NOUN
ajbmeb-617	109	24	of	of	ADP
ajbmeb-617	109	25	return	return	NOUN
ajbmeb-617	109	26	on	on	ADP
ajbmeb-617	109	27	equity	equity	NOUN
ajbmeb-617	109	28	%	%	NOUN
ajbmeb-617	109	29	rate	rate	NOUN
ajbmeb-617	109	30	of	of	ADP
ajbmeb-617	109	31	change	change	NOUN
ajbmeb-617	109	32	in	in	ADP
ajbmeb-617	109	33	the	the	DET
ajbmeb-617	109	34	rate	rate	NOUN
ajbmeb-617	109	35	of	of	ADP
ajbmeb-617	109	36	return	return	NOUN
ajbmeb-617	109	37	on	on	ADP
ajbmeb-617	109	38	equity	equity	NOUN
ajbmeb-617	109	39	%	%	NOUN
ajbmeb-617	109	40	rate	rate	NOUN
ajbmeb-617	109	41	of	of	ADP
ajbmeb-617	109	42	return	return	NOUN
ajbmeb-617	109	43	on	on	ADP
ajbmeb-617	109	44	deposits	deposit	NOUN
ajbmeb-617	109	45	%	%	NOUN
ajbmeb-617	109	46	rate	rate	NOUN
ajbmeb-617	109	47	of	of	ADP
ajbmeb-617	109	48	change	change	NOUN
ajbmeb-617	109	49	in	in	ADP
ajbmeb-617	109	50	the	the	DET
ajbmeb-617	109	51	rate	rate	NOUN
ajbmeb-617	109	52	of	of	ADP
ajbmeb-617	109	53	return	return	NOUN
ajbmeb-617	109	54	on	on	ADP
ajbmeb-617	109	55	deposits	deposit	NOUN
ajbmeb-617	109	56	%	%	NOUN
ajbmeb-617	109	57	rate	rate	NOUN
ajbmeb-617	109	58	of	of	ADP
ajbmeb-617	109	59	return	return	NOUN
ajbmeb-617	109	60	on	on	ADP
ajbmeb-617	109	61	assets	asset	NOUN
ajbmeb-617	109	62	%	%	NOUN
ajbmeb-617	109	63	rate	rate	NOUN
ajbmeb-617	109	64	of	of	ADP
ajbmeb-617	109	65	change	change	NOUN
ajbmeb-617	109	66	in	in	ADP
ajbmeb-617	109	67	the	the	DET
ajbmeb-617	109	68	rate	rate	NOUN
ajbmeb-617	109	69	of	of	ADP
ajbmeb-617	109	70	return	return	NOUN
ajbmeb-617	109	71	on	on	ADP
ajbmeb-617	109	72	assets	asset	NOUN
ajbmeb-617	109	73	%	%	NOUN
ajbmeb-617	109	74	rate	rate	NOUN
ajbmeb-617	109	75	of	of	ADP
ajbmeb-617	109	76	return	return	NOUN
ajbmeb-617	109	77	on	on	ADP
ajbmeb-617	109	78	funds	fund	NOUN
ajbmeb-617	109	79	available	available	ADJ
ajbmeb-617	109	80	for	for	ADP
ajbmeb-617	109	81	employment	employment	NOUN
ajbmeb-617	109	82	%	%	NOUN
ajbmeb-617	109	83	rate	rate	NOUN
ajbmeb-617	109	84	change	change	NOUN
ajbmeb-617	109	85	in	in	ADP
ajbmeb-617	109	86	return	return	NOUN
ajbmeb-617	109	87	on	on	ADP
ajbmeb-617	109	88	funds	fund	NOUN
ajbmeb-617	109	89	available	available	ADJ
ajbmeb-617	109	90	for	for	ADP
ajbmeb-617	109	91	employment	employment	NOUN
ajbmeb-617	109	92	,	,	PUNCT
ajbmeb-617	109	93	%	%	INTJ
ajbmeb-617	109	94	the	the	DET
ajbmeb-617	109	95	years	year	NOUN
ajbmeb-617	109	96	2016	2016	NUM
ajbmeb-617	109	97	6.06	6.06	NUM
ajbmeb-617	109	98	5.30	5.30	NUM
ajbmeb-617	109	99	2.52	2.52	NUM
ajbmeb-617	109	100	2.82	2.82	NUM
ajbmeb-617	109	101	2017	2017	NUM
ajbmeb-617	109	102	4.72	4.72	NUM
ajbmeb-617	109	103	-22.11	-22.11	SYM
ajbmeb-617	109	104	3.97	3.97	NUM
ajbmeb-617	109	105	-25.09	-25.09	SYM
ajbmeb-617	109	106	1.95	1.95	NUM
ajbmeb-617	109	107	-22.61	-22.61	ADP
ajbmeb-617	109	108	2.15	2.15	NUM
ajbmeb-617	109	109	-23.57	-23.57	SYM
ajbmeb-617	109	110	2018	2018	NUM
ajbmeb-617	110	1	2.90	2.90	NUM
ajbmeb-617	110	2	-38.55	-38.55	NUM
ajbmeb-617	110	3	2.34	2.34	NUM
ajbmeb-617	110	4	-41.05	-41.05	NUM
ajbmeb-617	110	5	1.15	1.15	NUM
ajbmeb-617	110	6	-41.02	-41.02	NUM
ajbmeb-617	110	7	1.29	1.29	NUM
ajbmeb-617	110	8	-40	-40	NUM
ajbmeb-617	110	9	2019	2019	NUM
ajbmeb-617	110	10	1.92	1.92	NUM
ajbmeb-617	110	11	-33.79	-33.79	PROPN
ajbmeb-617	110	12	1.27	1.27	NUM
ajbmeb-617	110	13	-45.72	-45.72	NUM
ajbmeb-617	110	14	0.67	0.67	NUM
ajbmeb-617	110	15	-41.73	-41.73	NUM
ajbmeb-617	110	16	0.76	0.76	NUM
ajbmeb-617	110	17	-41.08	-41.08	PROPN
ajbmeb-617	110	18	2020	2020	NUM
ajbmeb-617	110	19	4.28	4.28	NUM
ajbmeb-617	110	20	122.91	122.91	NUM
ajbmeb-617	110	21	2.06	2.06	NUM
ajbmeb-617	110	22	62.20	62.20	NUM
ajbmeb-617	110	23	1.27	1.27	NUM
ajbmeb-617	110	24	89.55	89.55	NUM
ajbmeb-617	110	25	1.44	1.44	NUM
ajbmeb-617	110	26	89.47	89.47	NUM
ajbmeb-617	110	27	2021	2021	NUM
ajbmeb-617	110	28	5.78	5.78	NUM
ajbmeb-617	110	29	35.04	35.04	NUM
ajbmeb-617	110	30	1.88	1.88	NUM
ajbmeb-617	110	31	-8.73	-8.73	ADV
ajbmeb-617	110	32	1.14	1.14	NUM
ajbmeb-617	110	33	-10.23	-10.23	SYM
ajbmeb-617	110	34	1.42	1.42	NUM
ajbmeb-617	110	35	-1.38	-1.38	NUM
ajbmeb-617	110	36	american	american	ADJ
ajbmeb-617	110	37	journal	journal	PROPN
ajbmeb-617	110	38	of	of	ADP
ajbmeb-617	110	39	business	business	NOUN
ajbmeb-617	110	40	management	management	NOUN
ajbmeb-617	110	41	,	,	PUNCT
ajbmeb-617	110	42	economics	economic	NOUN
ajbmeb-617	110	43	and	and	CCONJ
ajbmeb-617	110	44	banking	banking	NOUN
ajbmeb-617	110	45	volume	volume	NOUN
ajbmeb-617	110	46	10	10	NUM
ajbmeb-617	110	47	march	march	NOUN
ajbmeb-617	110	48	,	,	PUNCT
ajbmeb-617	110	49	2023	2023	NUM
ajbmeb-617	110	50	p	p	NOUN
ajbmeb-617	110	51	a	a	DET
ajbmeb-617	110	52	g	g	NOUN
ajbmeb-617	110	53	e	e	NOUN
ajbmeb-617	110	54	|	|	NOUN
ajbmeb-617	110	55	170	170	NUM
ajbmeb-617	110	56	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-617	110	57	source	source	NOUN
ajbmeb-617	110	58	:	:	PUNCT
ajbmeb-617	110	59	prepared	prepare	VERB
ajbmeb-617	110	60	by	by	ADP
ajbmeb-617	110	61	researchers	researcher	NOUN
ajbmeb-617	110	62	based	base	VERB
ajbmeb-617	110	63	on	on	ADP
ajbmeb-617	110	64	:	:	PUNCT
ajbmeb-617	110	65	the	the	DET
ajbmeb-617	110	66	annual	annual	ADJ
ajbmeb-617	110	67	reports	report	NOUN
ajbmeb-617	110	68	of	of	ADP
ajbmeb-617	110	69	the	the	DET
ajbmeb-617	110	70	bank	bank	NOUN
ajbmeb-617	110	71	for	for	ADP
ajbmeb-617	110	72	the	the	DET
ajbmeb-617	110	73	period	period	NOUN
ajbmeb-617	110	74	(	(	PUNCT
ajbmeb-617	110	75	20162021	20162021	NUM
ajbmeb-617	110	76	)	)	PUNCT
ajbmeb-617	110	77	figure	figure	NOUN
ajbmeb-617	110	78	(	(	PUNCT
ajbmeb-617	110	79	2	2	NUM
ajbmeb-617	110	80	)	)	PUNCT
ajbmeb-617	110	81	shows	show	VERB
ajbmeb-617	110	82	trends	trend	NOUN
ajbmeb-617	110	83	in	in	ADP
ajbmeb-617	110	84	the	the	DET
ajbmeb-617	110	85	path	path	NOUN
ajbmeb-617	110	86	of	of	ADP
ajbmeb-617	110	87	profitability	profitability	NOUN
ajbmeb-617	110	88	indicators	indicator	NOUN
ajbmeb-617	110	89	(	(	PUNCT
ajbmeb-617	110	90	return	return	VERB
ajbmeb-617	110	91	rate	rate	NOUN
ajbmeb-617	110	92	on	on	ADP
ajbmeb-617	110	93	equity	equity	NOUN
ajbmeb-617	110	94	%	%	NOUN
ajbmeb-617	110	95	,	,	PUNCT
ajbmeb-617	110	96	rate	rate	NOUN
ajbmeb-617	110	97	of	of	ADP
ajbmeb-617	110	98	return	return	NOUN
ajbmeb-617	110	99	on	on	ADP
ajbmeb-617	110	100	deposits	deposit	NOUN
ajbmeb-617	110	101	%	%	NOUN
ajbmeb-617	110	102	,	,	PUNCT
ajbmeb-617	110	103	rate	rate	NOUN
ajbmeb-617	110	104	of	of	ADP
ajbmeb-617	110	105	return	return	NOUN
ajbmeb-617	110	106	on	on	ADP
ajbmeb-617	110	107	assets	asset	NOUN
ajbmeb-617	110	108	%	%	NOUN
ajbmeb-617	110	109	,	,	PUNCT
ajbmeb-617	110	110	rate	rate	NOUN
ajbmeb-617	110	111	of	of	ADP
ajbmeb-617	110	112	return	return	NOUN
ajbmeb-617	110	113	on	on	ADP
ajbmeb-617	110	114	funds	fund	NOUN
ajbmeb-617	110	115	available	available	ADJ
ajbmeb-617	110	116	for	for	ADP
ajbmeb-617	110	117	employment	employment	NOUN
ajbmeb-617	110	118	%	%	NOUN
ajbmeb-617	110	119	)	)	PUNCT
ajbmeb-617	110	120	in	in	ADP
ajbmeb-617	110	121	the	the	DET
ajbmeb-617	110	122	international	international	PROPN
ajbmeb-617	110	123	development	development	PROPN
ajbmeb-617	110	124	bank	bank	PROPN
ajbmeb-617	110	125	for	for	ADP
ajbmeb-617	110	126	the	the	DET
ajbmeb-617	110	127	period	period	NOUN
ajbmeb-617	110	128	(	(	PUNCT
ajbmeb-617	110	129	2016	2016	NUM
ajbmeb-617	110	130	-	-	SYM
ajbmeb-617	110	131	2021	2021	NUM
ajbmeb-617	110	132	)	)	PUNCT
ajbmeb-617	110	133	.	.	PUNCT
ajbmeb-617	111	1	figure	figure	NOUN
ajbmeb-617	111	2	(	(	PUNCT
ajbmeb-617	111	3	2	2	NUM
ajbmeb-617	111	4	)	)	PUNCT
ajbmeb-617	111	5	shows	show	VERB
ajbmeb-617	111	6	trends	trend	NOUN
ajbmeb-617	111	7	in	in	ADP
ajbmeb-617	111	8	the	the	DET
ajbmeb-617	111	9	path	path	NOUN
ajbmeb-617	111	10	of	of	ADP
ajbmeb-617	111	11	profitability	profitability	NOUN
ajbmeb-617	111	12	indicators	indicator	NOUN
ajbmeb-617	111	13	in	in	ADP
ajbmeb-617	111	14	the	the	DET
ajbmeb-617	111	15	international	international	PROPN
ajbmeb-617	111	16	development	development	PROPN
ajbmeb-617	111	17	bank	bank	PROPN
ajbmeb-617	111	18	for	for	ADP
ajbmeb-617	111	19	the	the	DET
ajbmeb-617	111	20	period	period	NOUN
ajbmeb-617	111	21	(	(	PUNCT
ajbmeb-617	111	22	2016	2016	NUM
ajbmeb-617	111	23	-	-	PUNCT
ajbmeb-617	111	24	2021	2021	NUM
ajbmeb-617	111	25	)	)	PUNCT
ajbmeb-617	111	26	source	source	NOUN
ajbmeb-617	111	27	:	:	PUNCT
ajbmeb-617	111	28	prepared	prepare	VERB
ajbmeb-617	111	29	by	by	ADP
ajbmeb-617	111	30	researchers	researcher	NOUN
ajbmeb-617	111	31	based	base	VERB
ajbmeb-617	111	32	on	on	ADP
ajbmeb-617	111	33	the	the	DET
ajbmeb-617	111	34	financial	financial	ADJ
ajbmeb-617	111	35	data	datum	NOUN
ajbmeb-617	111	36	in	in	ADP
ajbmeb-617	111	37	the	the	DET
ajbmeb-617	111	38	above	above	ADJ
ajbmeb-617	111	39	table	table	NOUN
ajbmeb-617	111	40	of	of	ADP
ajbmeb-617	111	41	the	the	DET
ajbmeb-617	111	42	international	international	PROPN
ajbmeb-617	111	43	development	development	PROPN
ajbmeb-617	111	44	bank	bank	PROPN
ajbmeb-617	111	45	for	for	ADP
ajbmeb-617	111	46	the	the	DET
ajbmeb-617	111	47	period	period	NOUN
ajbmeb-617	111	48	(	(	PUNCT
ajbmeb-617	111	49	2016	2016	NUM
ajbmeb-617	111	50	-	-	SYM
ajbmeb-617	111	51	2021	2021	NUM
ajbmeb-617	111	52	)	)	PUNCT
ajbmeb-617	111	53	.	.	PUNCT
ajbmeb-617	112	1	the	the	DET
ajbmeb-617	112	2	fourth	fourth	ADJ
ajbmeb-617	112	3	section	section	NOUN
ajbmeb-617	112	4	conclusions	conclusion	VERB
ajbmeb-617	112	5	1the	1the	NUM
ajbmeb-617	112	6	most	most	ADV
ajbmeb-617	112	7	important	important	ADJ
ajbmeb-617	112	8	finding	finding	NOUN
ajbmeb-617	112	9	of	of	ADP
ajbmeb-617	112	10	the	the	DET
ajbmeb-617	112	11	study	study	NOUN
ajbmeb-617	112	12	is	be	AUX
ajbmeb-617	112	13	that	that	SCONJ
ajbmeb-617	112	14	the	the	PRON
ajbmeb-617	112	15	higher	high	ADJ
ajbmeb-617	112	16	the	the	DET
ajbmeb-617	112	17	level	level	NOUN
ajbmeb-617	112	18	of	of	ADP
ajbmeb-617	112	19	diversification	diversification	NOUN
ajbmeb-617	112	20	of	of	ADP
ajbmeb-617	112	21	banks	bank	NOUN
ajbmeb-617	112	22	in	in	ADP
ajbmeb-617	112	23	the	the	DET
ajbmeb-617	112	24	services	service	NOUN
ajbmeb-617	112	25	they	they	PRON
ajbmeb-617	112	26	provide	provide	VERB
ajbmeb-617	112	27	to	to	ADP
ajbmeb-617	112	28	their	their	PRON
ajbmeb-617	112	29	customers	customer	NOUN
ajbmeb-617	112	30	,	,	PUNCT
ajbmeb-617	112	31	the	the	DET
ajbmeb-617	112	32	net	net	ADJ
ajbmeb-617	112	33	profit	profit	NOUN
ajbmeb-617	112	34	and	and	CCONJ
ajbmeb-617	112	35	the	the	DET
ajbmeb-617	112	36	rest	rest	NOUN
ajbmeb-617	112	37	of	of	ADP
ajbmeb-617	112	38	the	the	DET
ajbmeb-617	112	39	indicators	indicator	NOUN
ajbmeb-617	112	40	of	of	ADP
ajbmeb-617	112	41	profitability	profitability	NOUN
ajbmeb-617	112	42	rise	rise	NOUN
ajbmeb-617	112	43	with	with	ADP
ajbmeb-617	112	44	it	it	PRON
ajbmeb-617	112	45	,	,	PUNCT
ajbmeb-617	112	46	and	and	CCONJ
ajbmeb-617	112	47	this	this	PRON
ajbmeb-617	112	48	was	be	AUX
ajbmeb-617	112	49	evident	evident	ADJ
ajbmeb-617	112	50	in	in	ADP
ajbmeb-617	112	51	the	the	DET
ajbmeb-617	112	52	study	study	NOUN
ajbmeb-617	112	53	sample	sample	NOUN
ajbmeb-617	112	54	banks	bank	NOUN
ajbmeb-617	112	55	.	.	PUNCT
ajbmeb-617	113	1	2it	2it	NOUN
ajbmeb-617	113	2	became	become	VERB
ajbmeb-617	113	3	clear	clear	ADJ
ajbmeb-617	113	4	from	from	ADP
ajbmeb-617	113	5	the	the	DET
ajbmeb-617	113	6	study	study	NOUN
ajbmeb-617	113	7	that	that	SCONJ
ajbmeb-617	113	8	diversification	diversification	NOUN
ajbmeb-617	113	9	in	in	ADP
ajbmeb-617	113	10	banking	banking	NOUN
ajbmeb-617	113	11	services	service	NOUN
ajbmeb-617	113	12	has	have	AUX
ajbmeb-617	113	13	an	an	DET
ajbmeb-617	113	14	important	important	ADJ
ajbmeb-617	113	15	role	role	NOUN
ajbmeb-617	113	16	in	in	ADP
ajbmeb-617	113	17	the	the	DET
ajbmeb-617	113	18	profitability	profitability	NOUN
ajbmeb-617	113	19	of	of	ADP
ajbmeb-617	113	20	commercial	commercial	ADJ
ajbmeb-617	113	21	banks	bank	NOUN
ajbmeb-617	113	22	,	,	PUNCT
ajbmeb-617	113	23	as	as	SCONJ
ajbmeb-617	113	24	diversification	diversification	NOUN
ajbmeb-617	113	25	contributed	contribute	VERB
ajbmeb-617	113	26	to	to	ADP
ajbmeb-617	113	27	the	the	DET
ajbmeb-617	113	28	entry	entry	NOUN
ajbmeb-617	113	29	of	of	ADP
ajbmeb-617	113	30	banks	bank	NOUN
ajbmeb-617	113	31	into	into	ADP
ajbmeb-617	113	32	some	some	DET
ajbmeb-617	113	33	areas	area	NOUN
ajbmeb-617	113	34	of	of	ADP
ajbmeb-617	113	35	business	business	NOUN
ajbmeb-617	113	36	and	and	CCONJ
ajbmeb-617	113	37	thus	thus	ADV
ajbmeb-617	113	38	increasing	increase	VERB
ajbmeb-617	113	39	their	their	PRON
ajbmeb-617	113	40	ability	ability	NOUN
ajbmeb-617	113	41	to	to	PART
ajbmeb-617	113	42	compete	compete	VERB
ajbmeb-617	113	43	and	and	CCONJ
ajbmeb-617	113	44	improve	improve	VERB
ajbmeb-617	113	45	profitability	profitability	NOUN
ajbmeb-617	113	46	.	.	PUNCT
ajbmeb-617	114	1	3it	3it	PROPN
ajbmeb-617	114	2	became	become	VERB
ajbmeb-617	114	3	clear	clear	ADJ
ajbmeb-617	114	4	from	from	ADP
ajbmeb-617	114	5	the	the	DET
ajbmeb-617	114	6	study	study	NOUN
ajbmeb-617	114	7	,	,	PUNCT
ajbmeb-617	114	8	that	that	SCONJ
ajbmeb-617	114	9	the	the	PRON
ajbmeb-617	114	10	higher	high	ADJ
ajbmeb-617	114	11	the	the	DET
ajbmeb-617	114	12	level	level	NOUN
ajbmeb-617	114	13	of	of	ADP
ajbmeb-617	114	14	diversification	diversification	NOUN
ajbmeb-617	114	15	of	of	ADP
ajbmeb-617	114	16	the	the	DET
ajbmeb-617	114	17	banks	bank	NOUN
ajbmeb-617	114	18	in	in	ADP
ajbmeb-617	114	19	the	the	DET
ajbmeb-617	114	20	services	service	NOUN
ajbmeb-617	114	21	they	they	PRON
ajbmeb-617	114	22	provide	provide	VERB
ajbmeb-617	114	23	to	to	ADP
ajbmeb-617	114	24	their	their	PRON
ajbmeb-617	114	25	customers	customer	NOUN
ajbmeb-617	114	26	from	from	ADP
ajbmeb-617	114	27	one	one	NUM
ajbmeb-617	114	28	year	year	NOUN
ajbmeb-617	114	29	to	to	ADP
ajbmeb-617	114	30	the	the	DET
ajbmeb-617	114	31	next	next	ADJ
ajbmeb-617	114	32	,	,	PUNCT
ajbmeb-617	114	33	the	the	DET
ajbmeb-617	114	34	corresponding	corresponding	ADJ
ajbmeb-617	114	35	increase	increase	NOUN
ajbmeb-617	114	36	in	in	ADP
ajbmeb-617	114	37	the	the	DET
ajbmeb-617	114	38	net	net	ADJ
ajbmeb-617	114	39	profit	profit	NOUN
ajbmeb-617	114	40	and	and	CCONJ
ajbmeb-617	114	41	the	the	DET
ajbmeb-617	114	42	rest	rest	NOUN
ajbmeb-617	114	43	of	of	ADP
ajbmeb-617	114	44	the	the	DET
ajbmeb-617	114	45	indicators	indicator	NOUN
ajbmeb-617	114	46	of	of	ADP
ajbmeb-617	114	47	profitability	profitability	NOUN
ajbmeb-617	114	48	from	from	ADP
ajbmeb-617	114	49	one	one	NUM
ajbmeb-617	114	50	year	year	NOUN
ajbmeb-617	114	51	to	to	ADP
ajbmeb-617	114	52	the	the	DET
ajbmeb-617	114	53	next	next	ADJ
ajbmeb-617	114	54	as	as	ADV
ajbmeb-617	114	55	well	well	ADV
ajbmeb-617	114	56	,	,	PUNCT
ajbmeb-617	114	57	and	and	CCONJ
ajbmeb-617	114	58	this	this	PRON
ajbmeb-617	114	59	was	be	AUX
ajbmeb-617	114	60	due	due	ADJ
ajbmeb-617	114	61	to	to	ADP
ajbmeb-617	114	62	the	the	DET
ajbmeb-617	114	63	increase	increase	NOUN
ajbmeb-617	114	64	in	in	ADP
ajbmeb-617	114	65	net	net	ADJ
ajbmeb-617	114	66	interest	interest	NOUN
ajbmeb-617	114	67	and	and	CCONJ
ajbmeb-617	114	68	commission	commission	NOUN
ajbmeb-617	114	69	income	income	NOUN
ajbmeb-617	114	70	due	due	ADP
ajbmeb-617	114	71	to	to	ADP
ajbmeb-617	114	72	the	the	DET
ajbmeb-617	114	73	high	high	ADJ
ajbmeb-617	114	74	level	level	NOUN
ajbmeb-617	114	75	of	of	ADP
ajbmeb-617	114	76	diversification	diversification	NOUN
ajbmeb-617	114	77	of	of	ADP
ajbmeb-617	114	78	the	the	DET
ajbmeb-617	114	79	services	service	NOUN
ajbmeb-617	114	80	provided	provide	VERB
ajbmeb-617	114	81	by	by	ADP
ajbmeb-617	114	82	banks	bank	NOUN
ajbmeb-617	114	83	.	.	PUNCT
ajbmeb-617	115	1	4the	4the	NUM
ajbmeb-617	115	2	high	high	ADJ
ajbmeb-617	115	3	levels	level	NOUN
ajbmeb-617	115	4	of	of	ADP
ajbmeb-617	115	5	diversification	diversification	NOUN
ajbmeb-617	115	6	in	in	ADP
ajbmeb-617	115	7	banking	banking	NOUN
ajbmeb-617	115	8	services	service	NOUN
ajbmeb-617	115	9	require	require	VERB
ajbmeb-617	115	10	a	a	DET
ajbmeb-617	115	11	large	large	ADJ
ajbmeb-617	115	12	financial	financial	ADJ
ajbmeb-617	115	13	capacity	capacity	NOUN
ajbmeb-617	115	14	,	,	PUNCT
ajbmeb-617	115	15	and	and	CCONJ
ajbmeb-617	115	16	as	as	SCONJ
ajbmeb-617	115	17	the	the	DET
ajbmeb-617	115	18	study	study	NOUN
ajbmeb-617	115	19	showed	show	VERB
ajbmeb-617	115	20	that	that	SCONJ
ajbmeb-617	115	21	deciding	decide	VERB
ajbmeb-617	115	22	on	on	ADP
ajbmeb-617	115	23	high	high	ADJ
ajbmeb-617	115	24	levels	level	NOUN
ajbmeb-617	115	25	of	of	ADP
ajbmeb-617	115	26	diversification	diversification	NOUN
ajbmeb-617	115	27	in	in	ADP
ajbmeb-617	115	28	banking	banking	NOUN
ajbmeb-617	115	29	services	service	NOUN
ajbmeb-617	115	30	may	may	AUX
ajbmeb-617	115	31	require	require	VERB
ajbmeb-617	115	32	a	a	DET
ajbmeb-617	115	33	large	large	ADJ
ajbmeb-617	115	34	financial	financial	ADJ
ajbmeb-617	115	35	capacity	capacity	NOUN
ajbmeb-617	115	36	,	,	PUNCT
ajbmeb-617	115	37	due	due	ADP
ajbmeb-617	115	38	to	to	ADP
ajbmeb-617	115	39	the	the	DET
ajbmeb-617	115	40	high	high	ADJ
ajbmeb-617	115	41	cost	cost	NOUN
ajbmeb-617	115	42	of	of	ADP
ajbmeb-617	115	43	producing	produce	VERB
ajbmeb-617	115	44	new	new	ADJ
ajbmeb-617	115	45	services	service	NOUN
ajbmeb-617	115	46	in	in	ADP
ajbmeb-617	115	47	addition	addition	NOUN
ajbmeb-617	115	48	to	to	ADP
ajbmeb-617	115	49	its	its	PRON
ajbmeb-617	115	50	ability	ability	NOUN
ajbmeb-617	115	51	to	to	PART
ajbmeb-617	115	52	maintain	maintain	VERB
ajbmeb-617	115	53	its	its	PRON
ajbmeb-617	115	54	current	current	ADJ
ajbmeb-617	115	55	business	business	NOUN
ajbmeb-617	115	56	.	.	PUNCT
ajbmeb-617	116	1	0	0	NUM
ajbmeb-617	117	1	1	1	NUM
ajbmeb-617	117	2	2	2	NUM
ajbmeb-617	117	3	3	3	NUM
ajbmeb-617	117	4	4	4	NUM
ajbmeb-617	117	5	5	5	NUM
ajbmeb-617	117	6	6	6	NUM
ajbmeb-617	117	7	7	7	NUM
ajbmeb-617	117	8	2016	2016	NUM
ajbmeb-617	117	9	2017	2017	NUM
ajbmeb-617	117	10	2018	2018	NUM
ajbmeb-617	117	11	2019	2019	NUM
ajbmeb-617	117	12	2020	2020	NUM
ajbmeb-617	117	13	2021	2021	NUM
ajbmeb-617	117	14	rate	rate	NOUN
ajbmeb-617	117	15	of	of	ADP
ajbmeb-617	117	16	return	return	NOUN
ajbmeb-617	117	17	on	on	ADP
ajbmeb-617	117	18	equity	equity	NOUN
ajbmeb-617	117	19	%	%	NOUN
ajbmeb-617	117	20	%	%	NOUN
ajbmeb-617	117	21	rate	rate	NOUN
ajbmeb-617	117	22	of	of	ADP
ajbmeb-617	117	23	return	return	NOUN
ajbmeb-617	117	24	on	on	ADP
ajbmeb-617	117	25	deposits	deposit	NOUN
ajbmeb-617	117	26	rate	rate	NOUN
ajbmeb-617	117	27	of	of	ADP
ajbmeb-617	117	28	return	return	NOUN
ajbmeb-617	117	29	on	on	ADP
ajbmeb-617	117	30	assets	asset	NOUN
ajbmeb-617	117	31	%	%	NOUN
ajbmeb-617	117	32	rate	rate	NOUN
ajbmeb-617	117	33	of	of	ADP
ajbmeb-617	117	34	return	return	NOUN
ajbmeb-617	117	35	on	on	ADP
ajbmeb-617	117	36	funds	fund	NOUN
ajbmeb-617	117	37	available	available	ADJ
ajbmeb-617	117	38	for	for	ADP
ajbmeb-617	117	39	employment	employment	NOUN
ajbmeb-617	117	40	%	%	PROPN
ajbmeb-617	117	41	american	american	PROPN
ajbmeb-617	117	42	journal	journal	PROPN
ajbmeb-617	117	43	of	of	ADP
ajbmeb-617	117	44	business	business	NOUN
ajbmeb-617	117	45	management	management	NOUN
ajbmeb-617	117	46	,	,	PUNCT
ajbmeb-617	117	47	economics	economic	NOUN
ajbmeb-617	117	48	and	and	CCONJ
ajbmeb-617	117	49	banking	banking	NOUN
ajbmeb-617	117	50	volume	volume	NOUN
ajbmeb-617	117	51	10	10	NUM
ajbmeb-617	117	52	march	march	NOUN
ajbmeb-617	117	53	,	,	PUNCT
ajbmeb-617	117	54	2023	2023	NUM
ajbmeb-617	117	55	p	p	NOUN
ajbmeb-617	117	56	a	a	DET
ajbmeb-617	117	57	g	g	NOUN
ajbmeb-617	117	58	e	e	NOUN
ajbmeb-617	117	59	|	|	ADV
ajbmeb-617	117	60	171	171	NUM
ajbmeb-617	117	61	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-617	117	62	5it	5it	NOUN
ajbmeb-617	117	63	turns	turn	VERB
ajbmeb-617	117	64	out	out	ADP
ajbmeb-617	117	65	that	that	SCONJ
ajbmeb-617	117	66	banks	bank	NOUN
ajbmeb-617	117	67	interested	interested	ADJ
ajbmeb-617	117	68	in	in	ADP
ajbmeb-617	117	69	diversifying	diversify	VERB
ajbmeb-617	117	70	banking	banking	NOUN
ajbmeb-617	117	71	services	service	NOUN
ajbmeb-617	117	72	make	make	VERB
ajbmeb-617	117	73	them	they	PRON
ajbmeb-617	117	74	enjoy	enjoy	VERB
ajbmeb-617	117	75	a	a	DET
ajbmeb-617	117	76	comparative	comparative	ADJ
ajbmeb-617	117	77	advantage	advantage	NOUN
ajbmeb-617	117	78	over	over	ADP
ajbmeb-617	117	79	banks	bank	NOUN
ajbmeb-617	117	80	that	that	PRON
ajbmeb-617	117	81	are	be	AUX
ajbmeb-617	117	82	not	not	PART
ajbmeb-617	117	83	interested	interested	ADJ
ajbmeb-617	117	84	in	in	ADP
ajbmeb-617	117	85	diversifying	diversify	VERB
ajbmeb-617	117	86	banking	banking	NOUN
ajbmeb-617	117	87	services	service	NOUN
ajbmeb-617	117	88	.	.	PUNCT
ajbmeb-617	118	1	6it	6it	NOUN
ajbmeb-617	118	2	turned	turn	VERB
ajbmeb-617	118	3	out	out	ADP
ajbmeb-617	118	4	that	that	SCONJ
ajbmeb-617	118	5	banks	bank	NOUN
ajbmeb-617	118	6	with	with	ADP
ajbmeb-617	118	7	a	a	DET
ajbmeb-617	118	8	high	high	ADJ
ajbmeb-617	118	9	level	level	NOUN
ajbmeb-617	118	10	of	of	ADP
ajbmeb-617	118	11	diversification	diversification	NOUN
ajbmeb-617	118	12	are	be	AUX
ajbmeb-617	118	13	exposed	expose	VERB
ajbmeb-617	118	14	to	to	ADP
ajbmeb-617	118	15	higher	high	ADJ
ajbmeb-617	118	16	risks	risk	NOUN
ajbmeb-617	118	17	than	than	ADP
ajbmeb-617	118	18	those	those	PRON
ajbmeb-617	118	19	with	with	ADP
ajbmeb-617	118	20	a	a	DET
ajbmeb-617	118	21	low	low	ADJ
ajbmeb-617	118	22	level	level	NOUN
ajbmeb-617	118	23	of	of	ADP
ajbmeb-617	118	24	diversification	diversification	NOUN
ajbmeb-617	118	25	,	,	PUNCT
ajbmeb-617	118	26	due	due	ADP
ajbmeb-617	118	27	to	to	ADP
ajbmeb-617	118	28	economic	economic	ADJ
ajbmeb-617	118	29	conditions	condition	NOUN
ajbmeb-617	118	30	.	.	PUNCT
ajbmeb-617	119	1	7it	7it	ADJ
ajbmeb-617	119	2	became	become	VERB
ajbmeb-617	119	3	clear	clear	ADJ
ajbmeb-617	119	4	that	that	SCONJ
ajbmeb-617	119	5	the	the	DET
ajbmeb-617	119	6	benefit	benefit	NOUN
ajbmeb-617	119	7	of	of	ADP
ajbmeb-617	119	8	diversification	diversification	NOUN
ajbmeb-617	119	9	exceeds	exceed	VERB
ajbmeb-617	119	10	its	its	PRON
ajbmeb-617	119	11	cost	cost	NOUN
ajbmeb-617	119	12	,	,	PUNCT
ajbmeb-617	119	13	and	and	CCONJ
ajbmeb-617	119	14	therefore	therefore	ADV
ajbmeb-617	119	15	the	the	DET
ajbmeb-617	119	16	benefit	benefit	NOUN
ajbmeb-617	119	17	of	of	ADP
ajbmeb-617	119	18	diversification	diversification	NOUN
ajbmeb-617	119	19	in	in	ADP
ajbmeb-617	119	20	banking	banking	NOUN
ajbmeb-617	119	21	services	service	NOUN
ajbmeb-617	119	22	,	,	PUNCT
ajbmeb-617	119	23	in	in	ADP
ajbmeb-617	119	24	general	general	ADJ
ajbmeb-617	119	25	,	,	PUNCT
ajbmeb-617	119	26	exceeds	exceed	VERB
ajbmeb-617	119	27	its	its	PRON
ajbmeb-617	119	28	cost	cost	NOUN
ajbmeb-617	119	29	,	,	PUNCT
ajbmeb-617	119	30	due	due	ADP
ajbmeb-617	119	31	to	to	ADP
ajbmeb-617	119	32	the	the	DET
ajbmeb-617	119	33	revenues	revenue	NOUN
ajbmeb-617	119	34	expected	expect	VERB
ajbmeb-617	119	35	to	to	PART
ajbmeb-617	119	36	be	be	AUX
ajbmeb-617	119	37	achieved	achieve	VERB
ajbmeb-617	119	38	by	by	ADP
ajbmeb-617	119	39	banks	bank	NOUN
ajbmeb-617	119	40	as	as	ADP
ajbmeb-617	119	41	a	a	DET
ajbmeb-617	119	42	result	result	NOUN
ajbmeb-617	119	43	of	of	ADP
ajbmeb-617	119	44	this	this	DET
ajbmeb-617	119	45	diversification	diversification	NOUN
ajbmeb-617	119	46	.	.	PUNCT
ajbmeb-617	120	1	8based	8based	NUM
ajbmeb-617	120	2	on	on	ADP
ajbmeb-617	120	3	the	the	DET
ajbmeb-617	120	4	results	result	NOUN
ajbmeb-617	120	5	reached	reach	VERB
ajbmeb-617	120	6	through	through	ADP
ajbmeb-617	120	7	the	the	DET
ajbmeb-617	120	8	financial	financial	ADJ
ajbmeb-617	120	9	analysis	analysis	NOUN
ajbmeb-617	120	10	of	of	ADP
ajbmeb-617	120	11	the	the	DET
ajbmeb-617	120	12	net	net	ADJ
ajbmeb-617	120	13	profit	profit	NOUN
ajbmeb-617	120	14	and	and	CCONJ
ajbmeb-617	120	15	the	the	DET
ajbmeb-617	120	16	rest	rest	NOUN
ajbmeb-617	120	17	of	of	ADP
ajbmeb-617	120	18	the	the	DET
ajbmeb-617	120	19	indicators	indicator	NOUN
ajbmeb-617	120	20	of	of	ADP
ajbmeb-617	120	21	profitability	profitability	NOUN
ajbmeb-617	120	22	,	,	PUNCT
ajbmeb-617	120	23	the	the	DET
ajbmeb-617	120	24	research	research	NOUN
ajbmeb-617	120	25	hypothesis	hypothesis	NOUN
ajbmeb-617	120	26	has	have	AUX
ajbmeb-617	120	27	been	be	AUX
ajbmeb-617	120	28	proven	prove	VERB
ajbmeb-617	120	29	correct	correct	ADJ
ajbmeb-617	120	30	,	,	PUNCT
ajbmeb-617	120	31	that	that	SCONJ
ajbmeb-617	120	32	the	the	DET
ajbmeb-617	120	33	diversification	diversification	NOUN
ajbmeb-617	120	34	of	of	ADP
ajbmeb-617	120	35	banking	banking	NOUN
ajbmeb-617	120	36	services	service	NOUN
ajbmeb-617	120	37	has	have	VERB
ajbmeb-617	120	38	a	a	DET
ajbmeb-617	120	39	positive	positive	ADJ
ajbmeb-617	120	40	role	role	NOUN
ajbmeb-617	120	41	in	in	ADP
ajbmeb-617	120	42	the	the	DET
ajbmeb-617	120	43	profitability	profitability	NOUN
ajbmeb-617	120	44	of	of	ADP
ajbmeb-617	120	45	iraqi	iraqi	ADJ
ajbmeb-617	120	46	private	private	ADJ
ajbmeb-617	120	47	commercial	commercial	ADJ
ajbmeb-617	120	48	banks	bank	NOUN
ajbmeb-617	120	49	.	.	PUNCT
ajbmeb-617	121	1	list	list	NOUN
ajbmeb-617	121	2	of	of	ADP
ajbmeb-617	121	3	sources	source	NOUN
ajbmeb-617	121	4	and	and	CCONJ
ajbmeb-617	121	5	references	reference	NOUN
ajbmeb-617	121	6	first	first	ADV
ajbmeb-617	121	7	:	:	PUNCT
ajbmeb-617	121	8	arabic	arabic	ADJ
ajbmeb-617	121	9	references	reference	NOUN
ajbmeb-617	121	10	and	and	CCONJ
ajbmeb-617	121	11	sources	source	NOUN
ajbmeb-617	121	12	a.	a.	NOUN
ajbmeb-617	121	13	arabic	arabic	PROPN
ajbmeb-617	121	14	books	book	NOUN
ajbmeb-617	121	15	1	1	NUM
ajbmeb-617	121	16	.	.	PUNCT
ajbmeb-617	122	1	al	al	PROPN
ajbmeb-617	122	2	-	-	PUNCT
ajbmeb-617	122	3	bakri	bakri	PROPN
ajbmeb-617	122	4	,	,	PUNCT
ajbmeb-617	122	5	thamer	thamer	PROPN
ajbmeb-617	122	6	yasser	yasser	PROPN
ajbmeb-617	122	7	,	,	PUNCT
ajbmeb-617	122	8	(	(	PUNCT
ajbmeb-617	122	9	2021	2021	NUM
ajbmeb-617	122	10	)	)	PUNCT
ajbmeb-617	122	11	,	,	PUNCT
ajbmeb-617	122	12	“	"	PUNCT
ajbmeb-617	122	13	marketing	marketing	NOUN
ajbmeb-617	122	14	banking	banking	NOUN
ajbmeb-617	122	15	services	service	NOUN
ajbmeb-617	122	16	”	"	PUNCT
ajbmeb-617	122	17	,	,	PUNCT
ajbmeb-617	122	18	first	first	ADJ
ajbmeb-617	122	19	edition	edition	NOUN
ajbmeb-617	122	20	,	,	PUNCT
ajbmeb-617	122	21	dar	dar	PROPN
ajbmeb-617	122	22	al	al	PROPN
ajbmeb-617	122	23	-	-	PUNCT
ajbmeb-617	122	24	manhaj	manhaj	PROPN
ajbmeb-617	122	25	for	for	ADP
ajbmeb-617	122	26	publishing	publishing	NOUN
ajbmeb-617	122	27	and	and	CCONJ
ajbmeb-617	122	28	distribution	distribution	NOUN
ajbmeb-617	122	29	,	,	PUNCT
ajbmeb-617	122	30	baghdad	baghdad	PROPN
ajbmeb-617	122	31	.	.	PUNCT
ajbmeb-617	123	1	2	2	X
ajbmeb-617	123	2	.	.	X
ajbmeb-617	123	3	al	al	PROPN
ajbmeb-617	123	4	-	-	PUNCT
ajbmeb-617	123	5	zamil	zamil	PROPN
ajbmeb-617	123	6	,	,	PUNCT
ajbmeb-617	123	7	ahmed	ahmed	PROPN
ajbmeb-617	123	8	mahmoud	mahmoud	PROPN
ajbmeb-617	123	9	and	and	CCONJ
ajbmeb-617	123	10	others	other	NOUN
ajbmeb-617	123	11	,	,	PUNCT
ajbmeb-617	123	12	“	"	PUNCT
ajbmeb-617	123	13	marketing	marketing	NOUN
ajbmeb-617	123	14	banking	banking	NOUN
ajbmeb-617	123	15	services	service	NOUN
ajbmeb-617	123	16	,	,	PUNCT
ajbmeb-617	123	17	”	"	PUNCT
ajbmeb-617	123	18	first	first	ADJ
ajbmeb-617	123	19	edition	edition	NOUN
ajbmeb-617	123	20	,	,	PUNCT
ajbmeb-617	123	21	ithraa	ithraa	NOUN
ajbmeb-617	123	22	for	for	ADP
ajbmeb-617	123	23	publishing	publishing	NOUN
ajbmeb-617	123	24	and	and	CCONJ
ajbmeb-617	123	25	distribution	distribution	NOUN
ajbmeb-617	123	26	,	,	PUNCT
ajbmeb-617	123	27	2012	2012	NUM
ajbmeb-617	123	28	,	,	PUNCT
ajbmeb-617	123	29	p.	p.	NOUN
ajbmeb-617	123	30	63	63	NUM
ajbmeb-617	123	31	.	.	PUNCT
ajbmeb-617	124	1	b.	b.	PROPN
ajbmeb-617	124	2	magazines	magazine	NOUN
ajbmeb-617	124	3	and	and	CCONJ
ajbmeb-617	124	4	periodicals	periodical	NOUN
ajbmeb-617	124	5	1	1	NUM
ajbmeb-617	124	6	.	.	PUNCT
ajbmeb-617	125	1	hassoun	hassoun	PROPN
ajbmeb-617	125	2	,	,	PUNCT
ajbmeb-617	125	3	hala	hala	PROPN
ajbmeb-617	125	4	idan	idan	PROPN
ajbmeb-617	125	5	hassoun	hassoun	PROPN
ajbmeb-617	125	6	,	,	PUNCT
ajbmeb-617	125	7	and	and	CCONJ
ajbmeb-617	125	8	khalaf	khalaf	PROPN
ajbmeb-617	125	9	,	,	PUNCT
ajbmeb-617	125	10	waheeda	waheeda	PROPN
ajbmeb-617	125	11	jabr	jabr	PROPN
ajbmeb-617	125	12	,	,	PUNCT
ajbmeb-617	125	13	(	(	PUNCT
ajbmeb-617	125	14	2022	2022	NUM
ajbmeb-617	125	15	)	)	PUNCT
ajbmeb-617	125	16	,	,	PUNCT
ajbmeb-617	125	17	“	"	PUNCT
ajbmeb-617	125	18	analysis	analysis	NOUN
ajbmeb-617	125	19	and	and	CCONJ
ajbmeb-617	125	20	measurement	measurement	NOUN
ajbmeb-617	125	21	of	of	ADP
ajbmeb-617	125	22	internal	internal	ADJ
ajbmeb-617	125	23	factors	factor	NOUN
ajbmeb-617	125	24	affecting	affect	VERB
ajbmeb-617	125	25	the	the	DET
ajbmeb-617	125	26	profitability	profitability	NOUN
ajbmeb-617	125	27	of	of	ADP
ajbmeb-617	125	28	commercial	commercial	ADJ
ajbmeb-617	125	29	banks	bank	NOUN
ajbmeb-617	125	30	:	:	PUNCT
ajbmeb-617	125	31	an	an	DET
ajbmeb-617	125	32	applied	apply	VERB
ajbmeb-617	125	33	study	study	NOUN
ajbmeb-617	125	34	on	on	ADP
ajbmeb-617	125	35	the	the	DET
ajbmeb-617	125	36	bank	bank	NOUN
ajbmeb-617	125	37	of	of	ADP
ajbmeb-617	125	38	baghdad	baghdad	PROPN
ajbmeb-617	125	39	and	and	CCONJ
ajbmeb-617	125	40	the	the	DET
ajbmeb-617	125	41	middle	middle	PROPN
ajbmeb-617	125	42	east	east	PROPN
ajbmeb-617	125	43	bank	bank	PROPN
ajbmeb-617	125	44	,	,	PUNCT
ajbmeb-617	125	45	”	"	PUNCT
ajbmeb-617	125	46	al	al	PROPN
ajbmeb-617	125	47	-	-	PUNCT
ajbmeb-617	125	48	riyadah	riyadah	PROPN
ajbmeb-617	125	49	journal	journal	PROPN
ajbmeb-617	125	50	for	for	ADP
ajbmeb-617	125	51	finance	finance	NOUN
ajbmeb-617	125	52	and	and	CCONJ
ajbmeb-617	125	53	business	business	NOUN
ajbmeb-617	125	54	,	,	PUNCT
ajbmeb-617	125	55	volume	volume	NOUN
ajbmeb-617	125	56	3	3	NUM
ajbmeb-617	125	57	,	,	PUNCT
ajbmeb-617	125	58	issue	issue	NOUN
ajbmeb-617	125	59	1	1	NUM
ajbmeb-617	125	60	.	.	NOUN
ajbmeb-617	125	61	2	2	NUM
ajbmeb-617	125	62	.	.	X
ajbmeb-617	125	63	rashm	rashm	PROPN
ajbmeb-617	125	64	,	,	PUNCT
ajbmeb-617	125	65	muhammad	muhammad	PROPN
ajbmeb-617	125	66	hassan	hassan	PROPN
ajbmeb-617	125	67	,	,	PUNCT
ajbmeb-617	125	68	daghim	daghim	PROPN
ajbmeb-617	125	69	,	,	PUNCT
ajbmeb-617	125	70	alaa	alaa	PROPN
ajbmeb-617	125	71	dashi	dashi	PROPN
ajbmeb-617	125	72	,	,	PUNCT
ajbmeb-617	125	73	and	and	CCONJ
ajbmeb-617	125	74	jawad	jawad	PROPN
ajbmeb-617	125	75	,	,	PUNCT
ajbmeb-617	125	76	haider	haider	PROPN
ajbmeb-617	125	77	thajeel	thajeel	PROPN
ajbmeb-617	125	78	,	,	PUNCT
ajbmeb-617	125	79	(	(	PUNCT
ajbmeb-617	125	80	2020	2020	NUM
ajbmeb-617	125	81	)	)	PUNCT
ajbmeb-617	125	82	,	,	PUNCT
ajbmeb-617	125	83	“	"	PUNCT
ajbmeb-617	125	84	measuring	measure	VERB
ajbmeb-617	125	85	hedge	hedge	NOUN
ajbmeb-617	125	86	capital	capital	NOUN
ajbmeb-617	125	87	according	accord	VERB
ajbmeb-617	125	88	to	to	ADP
ajbmeb-617	125	89	the	the	DET
ajbmeb-617	125	90	requirements	requirement	NOUN
ajbmeb-617	125	91	of	of	ADP
ajbmeb-617	125	92	the	the	DET
ajbmeb-617	125	93	basel	basel	PROPN
ajbmeb-617	125	94	iii	iii	PROPN
ajbmeb-617	125	95	committee	committee	PROPN
ajbmeb-617	125	96	and	and	CCONJ
ajbmeb-617	125	97	its	its	PRON
ajbmeb-617	125	98	impact	impact	NOUN
ajbmeb-617	125	99	on	on	ADP
ajbmeb-617	125	100	the	the	DET
ajbmeb-617	125	101	profitability	profitability	NOUN
ajbmeb-617	125	102	of	of	ADP
ajbmeb-617	125	103	commercial	commercial	ADJ
ajbmeb-617	125	104	banks	bank	NOUN
ajbmeb-617	125	105	:	:	PUNCT
ajbmeb-617	125	106	an	an	DET
ajbmeb-617	125	107	applied	apply	VERB
ajbmeb-617	125	108	study	study	NOUN
ajbmeb-617	125	109	in	in	ADP
ajbmeb-617	125	110	the	the	DET
ajbmeb-617	125	111	iraqi	iraqi	ADJ
ajbmeb-617	125	112	credit	credit	NOUN
ajbmeb-617	125	113	bank	bank	NOUN
ajbmeb-617	125	114	,	,	PUNCT
ajbmeb-617	125	115	”	"	PUNCT
ajbmeb-617	125	116	journal	journal	NOUN
ajbmeb-617	125	117	of	of	ADP
ajbmeb-617	125	118	studies	study	NOUN
ajbmeb-617	125	119	in	in	ADP
ajbmeb-617	125	120	economics	economic	NOUN
ajbmeb-617	125	121	and	and	CCONJ
ajbmeb-617	125	122	management	management	NOUN
ajbmeb-617	125	123	business	business	NOUN
ajbmeb-617	125	124	,	,	PUNCT
ajbmeb-617	125	125	volume	volume	NOUN
ajbmeb-617	125	126	3	3	NUM
ajbmeb-617	125	127	,	,	PUNCT
ajbmeb-617	125	128	issue	issue	VERB
ajbmeb-617	125	129	50	50	NUM
ajbmeb-617	125	130	.	.	PUNCT
ajbmeb-617	126	1	c.	c.	PROPN
ajbmeb-617	126	2	theses	theses	PROPN
ajbmeb-617	126	3	and	and	CCONJ
ajbmeb-617	126	4	university	university	NOUN
ajbmeb-617	126	5	theses	thesis	NOUN
ajbmeb-617	126	6	1	1	NUM
ajbmeb-617	126	7	.	.	PUNCT
ajbmeb-617	127	1	khalaf	khalaf	PROPN
ajbmeb-617	127	2	,	,	PUNCT
ajbmeb-617	127	3	hala	hala	PROPN
ajbmeb-617	127	4	idan	idan	PROPN
ajbmeb-617	127	5	hassoun	hassoun	PROPN
ajbmeb-617	127	6	,	,	PUNCT
ajbmeb-617	127	7	(	(	PUNCT
ajbmeb-617	127	8	2021	2021	NUM
ajbmeb-617	127	9	)	)	PUNCT
ajbmeb-617	127	10	,	,	PUNCT
ajbmeb-617	127	11	“	"	PUNCT
ajbmeb-617	127	12	the	the	DET
ajbmeb-617	127	13	impact	impact	NOUN
ajbmeb-617	127	14	of	of	ADP
ajbmeb-617	127	15	service	service	NOUN
ajbmeb-617	127	16	quality	quality	NOUN
ajbmeb-617	127	17	dimensions	dimension	NOUN
ajbmeb-617	127	18	and	and	CCONJ
ajbmeb-617	127	19	financial	financial	ADJ
ajbmeb-617	127	20	indicators	indicator	NOUN
ajbmeb-617	127	21	on	on	ADP
ajbmeb-617	127	22	banks	bank	NOUN
ajbmeb-617	127	23	’	'	PUNCT
ajbmeb-617	127	24	profitability	profitability	NOUN
ajbmeb-617	127	25	:	:	PUNCT
ajbmeb-617	127	26	a	a	DET
ajbmeb-617	127	27	comparative	comparative	ADJ
ajbmeb-617	127	28	study	study	NOUN
ajbmeb-617	127	29	of	of	ADP
ajbmeb-617	127	30	a	a	DET
ajbmeb-617	127	31	sample	sample	NOUN
ajbmeb-617	127	32	of	of	ADP
ajbmeb-617	127	33	iraqi	iraqi	ADJ
ajbmeb-617	127	34	commercial	commercial	ADJ
ajbmeb-617	127	35	and	and	CCONJ
ajbmeb-617	127	36	islamic	islamic	ADJ
ajbmeb-617	127	37	banks	bank	NOUN
ajbmeb-617	127	38	,	,	PUNCT
ajbmeb-617	127	39	”	"	PUNCT
ajbmeb-617	127	40	master	master	NOUN
ajbmeb-617	127	41	thesis	thesis	NOUN
ajbmeb-617	127	42	,	,	PUNCT
ajbmeb-617	127	43	department	department	NOUN
ajbmeb-617	127	44	of	of	ADP
ajbmeb-617	127	45	banking	banking	NOUN
ajbmeb-617	127	46	and	and	CCONJ
ajbmeb-617	127	47	financial	financial	ADJ
ajbmeb-617	127	48	sciences	science	NOUN
ajbmeb-617	127	49	,	,	PUNCT
ajbmeb-617	127	50	college	college	NOUN
ajbmeb-617	127	51	of	of	ADP
ajbmeb-617	127	52	administration	administration	PROPN
ajbmeb-617	127	53	and	and	CCONJ
ajbmeb-617	127	54	economics	economics	PROPN
ajbmeb-617	127	55	al	al	PROPN
ajbmeb-617	127	56	-	-	PUNCT
ajbmeb-617	127	57	mustansiriya	mustansiriya	PROPN
ajbmeb-617	127	58	university	university	NOUN
ajbmeb-617	127	59	,	,	PUNCT
ajbmeb-617	127	60	baghdad	baghdad	PROPN
ajbmeb-617	127	61	.	.	PUNCT
ajbmeb-617	128	1	2	2	X
ajbmeb-617	128	2	.	.	X
ajbmeb-617	128	3	sebti	sebti	PROPN
ajbmeb-617	128	4	,	,	PUNCT
ajbmeb-617	128	5	ola	ola	PROPN
ajbmeb-617	128	6	samir	samir	PROPN
ajbmeb-617	128	7	,	,	PUNCT
ajbmeb-617	128	8	(	(	PUNCT
ajbmeb-617	128	9	2020	2020	NUM
ajbmeb-617	128	10	)	)	PUNCT
ajbmeb-617	128	11	,	,	PUNCT
ajbmeb-617	128	12	“	"	PUNCT
ajbmeb-617	128	13	the	the	DET
ajbmeb-617	128	14	impact	impact	NOUN
ajbmeb-617	128	15	of	of	ADP
ajbmeb-617	128	16	some	some	DET
ajbmeb-617	128	17	electronic	electronic	ADJ
ajbmeb-617	128	18	payment	payment	NOUN
ajbmeb-617	128	19	systems	system	NOUN
ajbmeb-617	128	20	on	on	ADP
ajbmeb-617	128	21	the	the	DET
ajbmeb-617	128	22	profitability	profitability	NOUN
ajbmeb-617	128	23	of	of	ADP
ajbmeb-617	128	24	banks	bank	NOUN
ajbmeb-617	128	25	:	:	PUNCT
ajbmeb-617	128	26	applied	apply	VERB
ajbmeb-617	128	27	research	research	NOUN
ajbmeb-617	128	28	in	in	ADP
ajbmeb-617	128	29	a	a	DET
ajbmeb-617	128	30	sample	sample	NOUN
ajbmeb-617	128	31	of	of	ADP
ajbmeb-617	128	32	iraqi	iraqi	ADJ
ajbmeb-617	128	33	commercial	commercial	ADJ
ajbmeb-617	128	34	banks	bank	NOUN
ajbmeb-617	128	35	,	,	PUNCT
ajbmeb-617	128	36	”	"	PUNCT
ajbmeb-617	128	37	submitted	submit	VERB
ajbmeb-617	128	38	to	to	ADP
ajbmeb-617	128	39	the	the	DET
ajbmeb-617	128	40	council	council	NOUN
ajbmeb-617	128	41	of	of	ADP
ajbmeb-617	128	42	the	the	DET
ajbmeb-617	128	43	higher	high	ADJ
ajbmeb-617	128	44	institute	institute	NOUN
ajbmeb-617	128	45	for	for	ADP
ajbmeb-617	128	46	accounting	accounting	NOUN
ajbmeb-617	128	47	and	and	CCONJ
ajbmeb-617	128	48	financial	financial	ADJ
ajbmeb-617	128	49	studies	study	NOUN
ajbmeb-617	128	50	at	at	ADP
ajbmeb-617	128	51	the	the	DET
ajbmeb-617	128	52	university	university	NOUN
ajbmeb-617	128	53	of	of	ADP
ajbmeb-617	128	54	baghdad	baghdad	PROPN
ajbmeb-617	128	55	,	,	PUNCT
ajbmeb-617	128	56	which	which	PRON
ajbmeb-617	128	57	is	be	AUX
ajbmeb-617	128	58	part	part	NOUN
ajbmeb-617	128	59	of	of	ADP
ajbmeb-617	128	60	the	the	DET
ajbmeb-617	128	61	requirements	requirement	NOUN
ajbmeb-617	128	62	for	for	ADP
ajbmeb-617	128	63	obtaining	obtain	VERB
ajbmeb-617	128	64	a	a	DET
ajbmeb-617	128	65	higher	high	ADJ
ajbmeb-617	128	66	diploma	diploma	NOUN
ajbmeb-617	128	67	equivalent	equivalent	ADJ
ajbmeb-617	128	68	to	to	ADP
ajbmeb-617	128	69	masters	master	NOUN
ajbmeb-617	128	70	in	in	ADP
ajbmeb-617	128	71	banking	banking	NOUN
ajbmeb-617	128	72	.	.	PUNCT
ajbmeb-617	129	1	3	3	X
ajbmeb-617	129	2	.	.	X
ajbmeb-617	129	3	majeed	majeed	PROPN
ajbmeb-617	129	4	,	,	PUNCT
ajbmeb-617	129	5	haider	haider	PROPN
ajbmeb-617	129	6	kamel	kamel	PROPN
ajbmeb-617	129	7	,	,	PUNCT
ajbmeb-617	129	8	(	(	PUNCT
ajbmeb-617	129	9	2020	2020	NUM
ajbmeb-617	129	10	)	)	PUNCT
ajbmeb-617	129	11	,	,	PUNCT
ajbmeb-617	129	12	“	"	PUNCT
ajbmeb-617	129	13	the	the	DET
ajbmeb-617	129	14	impact	impact	NOUN
ajbmeb-617	129	15	of	of	ADP
ajbmeb-617	129	16	electronic	electronic	ADJ
ajbmeb-617	129	17	payment	payment	NOUN
ajbmeb-617	129	18	methods	method	NOUN
ajbmeb-617	129	19	on	on	ADP
ajbmeb-617	129	20	the	the	DET
ajbmeb-617	129	21	profitability	profitability	NOUN
ajbmeb-617	129	22	of	of	ADP
ajbmeb-617	129	23	a	a	DET
ajbmeb-617	129	24	sample	sample	NOUN
ajbmeb-617	129	25	of	of	ADP
ajbmeb-617	129	26	iraqi	iraqi	ADJ
ajbmeb-617	129	27	private	private	ADJ
ajbmeb-617	129	28	commercial	commercial	ADJ
ajbmeb-617	129	29	banks	bank	NOUN
ajbmeb-617	129	30	for	for	ADP
ajbmeb-617	129	31	the	the	DET
ajbmeb-617	129	32	period	period	NOUN
ajbmeb-617	129	33	(	(	PUNCT
ajbmeb-617	129	34	2010	2010	NUM
ajbmeb-617	129	35	-	-	SYM
ajbmeb-617	129	36	2018	2018	NUM
ajbmeb-617	129	37	)	)	PUNCT
ajbmeb-617	129	38	”	"	PUNCT
ajbmeb-617	129	39	,	,	PUNCT
ajbmeb-617	129	40	master	master	NOUN
ajbmeb-617	129	41	thesis	thesis	NOUN
ajbmeb-617	129	42	,	,	PUNCT
ajbmeb-617	129	43	department	department	NOUN
ajbmeb-617	129	44	of	of	ADP
ajbmeb-617	129	45	economics	economic	NOUN
ajbmeb-617	129	46	,	,	PUNCT
ajbmeb-617	129	47	college	college	NOUN
ajbmeb-617	129	48	of	of	ADP
ajbmeb-617	129	49	administration	administration	PROPN
ajbmeb-617	129	50	and	and	CCONJ
ajbmeb-617	129	51	economics	economics	PROPN
ajbmeb-617	129	52	al	al	PROPN
ajbmeb-617	129	53	-	-	PUNCT
ajbmeb-617	129	54	mustansiriya	mustansiriya	PROPN
ajbmeb-617	129	55	university	university	NOUN
ajbmeb-617	129	56	,	,	PUNCT
ajbmeb-617	129	57	baghdad	baghdad	PROPN
ajbmeb-617	129	58	.	.	PUNCT
ajbmeb-617	130	1	american	american	PROPN
ajbmeb-617	130	2	journal	journal	PROPN
ajbmeb-617	130	3	of	of	ADP
ajbmeb-617	130	4	business	business	NOUN
ajbmeb-617	130	5	management	management	NOUN
ajbmeb-617	130	6	,	,	PUNCT
ajbmeb-617	130	7	economics	economic	NOUN
ajbmeb-617	130	8	and	and	CCONJ
ajbmeb-617	130	9	banking	banking	NOUN
ajbmeb-617	130	10	volume	volume	NOUN
ajbmeb-617	130	11	10	10	NUM
ajbmeb-617	130	12	march	march	NOUN
ajbmeb-617	130	13	,	,	PUNCT
ajbmeb-617	130	14	2023	2023	NUM
ajbmeb-617	130	15	p	p	NOUN
ajbmeb-617	130	16	a	a	PRON
ajbmeb-617	130	17	g	g	NOUN
ajbmeb-617	130	18	e	e	NOUN
ajbmeb-617	130	19	|	|	ADV
ajbmeb-617	130	20	172	172	NUM
ajbmeb-617	130	21	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-617	130	22	d.	d.	PROPN
ajbmeb-617	130	23	reports	report	VERB
ajbmeb-617	130	24	1	1	NUM
ajbmeb-617	130	25	.	.	PUNCT
ajbmeb-617	131	1	al	al	PROPN
ajbmeb-617	131	2	-	-	PUNCT
ajbmeb-617	131	3	ahly	ahly	PROPN
ajbmeb-617	131	4	bank	bank	NOUN
ajbmeb-617	131	5	of	of	ADP
ajbmeb-617	131	6	iraq	iraq	PROPN
ajbmeb-617	131	7	,	,	PUNCT
ajbmeb-617	131	8	the	the	DET
ajbmeb-617	131	9	annual	annual	ADJ
ajbmeb-617	131	10	reports	report	NOUN
ajbmeb-617	131	11	of	of	ADP
ajbmeb-617	131	12	the	the	DET
ajbmeb-617	131	13	bank	bank	NOUN
ajbmeb-617	131	14	for	for	ADP
ajbmeb-617	131	15	the	the	DET
ajbmeb-617	131	16	period	period	NOUN
ajbmeb-617	131	17	(	(	PUNCT
ajbmeb-617	131	18	2016	2016	NUM
ajbmeb-617	131	19	-	-	SYM
ajbmeb-617	131	20	2021	2021	NUM
ajbmeb-617	131	21	)	)	PUNCT
ajbmeb-617	131	22	.	.	PUNCT
ajbmeb-617	132	1	2	2	X
ajbmeb-617	132	2	.	.	X
ajbmeb-617	132	3	credit	credit	NOUN
ajbmeb-617	132	4	bank	bank	PROPN
ajbmeb-617	132	5	of	of	ADP
ajbmeb-617	132	6	iraq	iraq	PROPN
ajbmeb-617	132	7	,	,	PUNCT
ajbmeb-617	132	8	annual	annual	ADJ
ajbmeb-617	132	9	reports	report	NOUN
ajbmeb-617	132	10	of	of	ADP
ajbmeb-617	132	11	the	the	DET
ajbmeb-617	132	12	bank	bank	NOUN
ajbmeb-617	132	13	for	for	ADP
ajbmeb-617	132	14	the	the	DET
ajbmeb-617	132	15	period	period	NOUN
ajbmeb-617	132	16	(	(	PUNCT
ajbmeb-617	132	17	2016	2016	NUM
ajbmeb-617	132	18	-	-	SYM
ajbmeb-617	132	19	2021	2021	NUM
ajbmeb-617	132	20	)	)	PUNCT
ajbmeb-617	132	21	.	.	PUNCT
ajbmeb-617	133	1	second	second	ADV
ajbmeb-617	133	2	:	:	PUNCT
ajbmeb-617	133	3	foreign	foreign	ADJ
ajbmeb-617	133	4	sources	source	NOUN
ajbmeb-617	133	5	and	and	CCONJ
ajbmeb-617	133	6	references	reference	NOUN
ajbmeb-617	133	7	a.	a.	NOUN
ajbmeb-617	133	8	book	book	NOUN
ajbmeb-617	133	9	1	1	NUM
ajbmeb-617	133	10	.	.	PUNCT
ajbmeb-617	133	11	ris	ris	PROPN
ajbmeb-617	133	12	,	,	PUNCT
ajbmeb-617	133	13	sc	sc	PROPN
ajbmeb-617	133	14	krunoslav	krunoslav	PROPN
ajbmeb-617	133	15	.	.	PUNCT
ajbmeb-617	134	1	(	(	PUNCT
ajbmeb-617	134	2	2022	2022	NUM
ajbmeb-617	134	3	)	)	PUNCT
ajbmeb-617	134	4	,	,	PUNCT
ajbmeb-617	134	5	“	"	PUNCT
ajbmeb-617	134	6	5	5	NUM
ajbmeb-617	134	7	g	g	NOUN
ajbmeb-617	134	8	and	and	CCONJ
ajbmeb-617	134	9	next	next	ADJ
ajbmeb-617	134	10	-	-	PUNCT
ajbmeb-617	134	11	gen	gen	NOUN
ajbmeb-617	134	12	consumer	consumer	NOUN
ajbmeb-617	134	13	banking	banking	NOUN
ajbmeb-617	134	14	services	service	NOUN
ajbmeb-617	134	15	.	.	PUNCT
ajbmeb-617	134	16	”	"	PUNCT
ajbmeb-617	135	1	first	first	PROPN
ajbmeb-617	135	2	edition	edition	NOUN
ajbmeb-617	135	3	,	,	PUNCT
ajbmeb-617	135	4	crc	crc	NOUN
ajbmeb-617	135	5	press	press	NOUN
ajbmeb-617	135	6	.	.	PUNCT
ajbmeb-617	136	1	2	2	X
ajbmeb-617	136	2	.	.	X
ajbmeb-617	136	3	armstrong	armstrong	PROPN
ajbmeb-617	136	4	,	,	PUNCT
ajbmeb-617	136	5	gary	gary	PROPN
ajbmeb-617	136	6	.	.	PROPN
ajbmeb-617	136	7	,	,	PUNCT
ajbmeb-617	136	8	kotler	kotler	PROPN
ajbmeb-617	136	9	,	,	PUNCT
ajbmeb-617	136	10	philip	philip	PROPN
ajbmeb-617	136	11	&	&	CCONJ
ajbmeb-617	136	12	opresnik	opresnik	PROPN
ajbmeb-617	136	13	,	,	PUNCT
ajbmeb-617	136	14	marc	marc	PROPN
ajbmeb-617	136	15	,	,	PUNCT
ajbmeb-617	136	16	(	(	PUNCT
ajbmeb-617	136	17	2020	2020	NUM
ajbmeb-617	136	18	)	)	PUNCT
ajbmeb-617	136	19	,	,	PUNCT
ajbmeb-617	136	20	“	"	PUNCT
ajbmeb-617	136	21	marketing	marketing	NOUN
ajbmeb-617	136	22	:	:	PUNCT
ajbmeb-617	136	23	an	an	DET
ajbmeb-617	136	24	introduction	introduction	NOUN
ajbmeb-617	136	25	”	"	PUNCT
ajbmeb-617	136	26	,	,	PUNCT
ajbmeb-617	136	27	fourteenth	fourteenth	ADJ
ajbmeb-617	136	28	edition	edition	NOUN
ajbmeb-617	136	29	,	,	PUNCT
ajbmeb-617	136	30	by	by	ADP
ajbmeb-617	136	31	pearson	pearson	PROPN
ajbmeb-617	136	32	education	education	PROPN
ajbmeb-617	136	33	limited	limit	VERB
ajbmeb-617	136	34	.	.	PUNCT
ajbmeb-617	137	1	3	3	X
ajbmeb-617	137	2	.	.	X
ajbmeb-617	137	3	pride	pride	NOUN
ajbmeb-617	137	4	,	,	PUNCT
ajbmeb-617	137	5	w.m	w.m	PROPN
ajbmeb-617	137	6	.	.	PROPN
ajbmeb-617	137	7	,	,	PUNCT
ajbmeb-617	137	8	hughes	hughes	PROPN
ajbmeb-617	137	9	,	,	PUNCT
ajbmeb-617	137	10	r.j	r.j	PROPN
ajbmeb-617	137	11	.	.	PROPN
ajbmeb-617	137	12	,	,	PUNCT
ajbmeb-617	137	13	&	&	CCONJ
ajbmeb-617	137	14	kapoor	kapoor	PROPN
ajbmeb-617	137	15	,	,	PUNCT
ajbmeb-617	137	16	j.r	j.r	PROPN
ajbmeb-617	137	17	.	.	PROPN
ajbmeb-617	137	18	(	(	PUNCT
ajbmeb-617	137	19	2019	2019	NUM
ajbmeb-617	137	20	)	)	PUNCT
ajbmeb-617	137	21	.	.	PUNCT
ajbmeb-617	138	1	"	"	PUNCT
ajbmeb-617	138	2	foundations	foundation	NOUN
ajbmeb-617	138	3	of	of	ADP
ajbmeb-617	138	4	business	business	NOUN
ajbmeb-617	138	5	"	"	PUNCT
ajbmeb-617	138	6	.	.	PUNCT
ajbmeb-617	138	7	6	6	NUM
ajbmeb-617	138	8	ed	ed	NOUN
ajbmeb-617	138	9	.	.	PUNCT
ajbmeb-617	139	1	cengage	cengage	PROPN
ajbmeb-617	139	2	learning	learning	PROPN
ajbmeb-617	139	3	.	.	PUNCT
ajbmeb-617	140	1	4	4	X
ajbmeb-617	140	2	.	.	X
ajbmeb-617	140	3	ferrell	ferrell	PROPN
ajbmeb-617	140	4	,	,	PUNCT
ajbmeb-617	140	5	o.c	o.c	PROPN
ajbmeb-617	140	6	.	.	PROPN
ajbmeb-617	140	7	,	,	PUNCT
ajbmeb-617	140	8	hartline	hartline	PROPN
ajbmeb-617	140	9	,	,	PUNCT
ajbmeb-617	140	10	m.	m.	NOUN
ajbmeb-617	140	11	,	,	PUNCT
ajbmeb-617	140	12	&	&	CCONJ
ajbmeb-617	140	13	hochstein	hochstein	PROPN
ajbmeb-617	140	14	,	,	PUNCT
ajbmeb-617	140	15	b.w	b.w	PROPN
ajbmeb-617	140	16	.	.	PROPN
ajbmeb-617	140	17	(	(	PUNCT
ajbmeb-617	140	18	2022	2022	NUM
ajbmeb-617	140	19	)	)	PUNCT
ajbmeb-617	140	20	.	.	PUNCT
ajbmeb-617	141	1	"	"	PUNCT
ajbmeb-617	141	2	marketing	marketing	NOUN
ajbmeb-617	141	3	strategy	strategy	NOUN
ajbmeb-617	141	4	"	"	PUNCT
ajbmeb-617	141	5	.	.	PUNCT
ajbmeb-617	142	1	cengage	cengage	PROPN
ajbmeb-617	142	2	learning	learn	VERB
ajbmeb-617	142	3	5	5	NUM
ajbmeb-617	142	4	.	.	PUNCT
ajbmeb-617	142	5	cao	cao	PROPN
ajbmeb-617	142	6	,	,	PUNCT
ajbmeb-617	142	7	jin	jin	NOUN
ajbmeb-617	142	8	,	,	PUNCT
ajbmeb-617	142	9	2022	2022	NUM
ajbmeb-617	142	10	,	,	PUNCT
ajbmeb-617	142	11	“	"	PUNCT
ajbmeb-617	142	12	the	the	DET
ajbmeb-617	142	13	economics	economic	NOUN
ajbmeb-617	142	14	of	of	ADP
ajbmeb-617	142	15	banking	banking	NOUN
ajbmeb-617	142	16	”	"	PUNCT
ajbmeb-617	142	17	,	,	PUNCT
ajbmeb-617	142	18	first	first	ADJ
ajbmeb-617	142	19	edition	edition	NOUN
ajbmeb-617	142	20	,	,	PUNCT
ajbmeb-617	142	21	routledge	routledge	PROPN
ajbmeb-617	142	22	.	.	PUNCT
ajbmeb-617	143	1	6	6	X
ajbmeb-617	143	2	.	.	X
ajbmeb-617	143	3	mishkin	mishkin	PROPN
ajbmeb-617	143	4	,	,	PUNCT
ajbmeb-617	143	5	frederic	frederic	PROPN
ajbmeb-617	143	6	s.	s.	PROPN
ajbmeb-617	143	7	,	,	PUNCT
ajbmeb-617	143	8	(	(	PUNCT
ajbmeb-617	143	9	2019	2019	NUM
ajbmeb-617	143	10	)	)	PUNCT
ajbmeb-617	143	11	,	,	PUNCT
ajbmeb-617	143	12	“	"	PUNCT
ajbmeb-617	143	13	the	the	DET
ajbmeb-617	143	14	economics	economic	NOUN
ajbmeb-617	143	15	of	of	ADP
ajbmeb-617	143	16	money	money	NOUN
ajbmeb-617	143	17	,	,	PUNCT
ajbmeb-617	143	18	banking	banking	NOUN
ajbmeb-617	143	19	,	,	PUNCT
ajbmeb-617	143	20	and	and	CCONJ
ajbmeb-617	143	21	financial	financial	ADJ
ajbmeb-617	143	22	markets	market	NOUN
ajbmeb-617	143	23	”	"	PUNCT
ajbmeb-617	143	24	,	,	PUNCT
ajbmeb-617	143	25	twelfth	twelfth	ADJ
ajbmeb-617	143	26	edition	edition	NOUN
ajbmeb-617	143	27	,	,	PUNCT
ajbmeb-617	143	28	published	publish	VERB
ajbmeb-617	143	29	by	by	ADP
ajbmeb-617	143	30	pearson	pearson	PROPN
ajbmeb-617	143	31	education	education	PROPN
ajbmeb-617	143	32	.	.	PUNCT
ajbmeb-617	144	1	b.	b.	PROPN
ajbmeb-617	144	2	journals	journal	NOUN
ajbmeb-617	144	3	&	&	CCONJ
ajbmeb-617	144	4	periodicals	periodical	NOUN
ajbmeb-617	144	5	1	1	NUM
ajbmeb-617	144	6	.	.	X
ajbmeb-617	145	1	do	do	VERB
ajbmeb-617	145	2	,	,	PUNCT
ajbmeb-617	145	3	h.	h.	PROPN
ajbmeb-617	145	4	,	,	PUNCT
ajbmeb-617	145	5	ngo	ngo	PROPN
ajbmeb-617	145	6	,	,	PUNCT
ajbmeb-617	145	7	t.	t.	PROPN
ajbmeb-617	145	8	,	,	PUNCT
ajbmeb-617	145	9	&	&	CCONJ
ajbmeb-617	145	10	phung	phung	PROPN
ajbmeb-617	145	11	,	,	PUNCT
ajbmeb-617	145	12	q.	q.	PROPN
ajbmeb-617	145	13	(	(	PUNCT
ajbmeb-617	145	14	2020	2020	NUM
ajbmeb-617	145	15	)	)	PUNCT
ajbmeb-617	145	16	.	.	PUNCT
ajbmeb-617	146	1	“	"	PUNCT
ajbmeb-617	146	2	the	the	DET
ajbmeb-617	146	3	effect	effect	NOUN
ajbmeb-617	146	4	of	of	ADP
ajbmeb-617	146	5	non	non	ADJ
ajbmeb-617	146	6	-	-	ADJ
ajbmeb-617	146	7	performing	performing	ADJ
ajbmeb-617	146	8	loans	loan	NOUN
ajbmeb-617	146	9	on	on	ADP
ajbmeb-617	146	10	the	the	DET
ajbmeb-617	146	11	profitability	profitability	NOUN
ajbmeb-617	146	12	of	of	ADP
ajbmeb-617	146	13	commercial	commercial	ADJ
ajbmeb-617	146	14	banks	bank	NOUN
ajbmeb-617	146	15	:	:	PUNCT
ajbmeb-617	146	16	the	the	DET
ajbmeb-617	146	17	case	case	NOUN
ajbmeb-617	146	18	of	of	ADP
ajbmeb-617	146	19	vietnam	vietnam	PROPN
ajbmeb-617	146	20	”	"	PUNCT
ajbmeb-617	146	21	,	,	PUNCT
ajbmeb-617	146	22	national	national	ADJ
ajbmeb-617	146	23	economics	economics	PROPN
ajbmeb-617	146	24	university	university	PROPN
ajbmeb-617	146	25	,	,	PUNCT
ajbmeb-617	146	26	vietnam	vietnam	PROPN
ajbmeb-617	146	27	,	,	PUNCT
ajbmeb-617	146	28	accounting	accounting	NOUN
ajbmeb-617	146	29	,	,	PUNCT
ajbmeb-617	146	30	6(3	6(3	NUM
ajbmeb-617	146	31	)	)	PUNCT
ajbmeb-617	146	32	,	,	PUNCT
ajbmeb-617	146	33	pp	pp	ADP
ajbmeb-617	146	34	.	.	PUNCT
ajbmeb-617	147	1	373	373	NUM
ajbmeb-617	147	2	-	-	SYM
ajbmeb-617	147	3	386	386	NUM
ajbmeb-617	147	4	.	.	PUNCT