id	sid	tid	token	lemma	pos
ajbmeb-620	1	1	american	american	PROPN
ajbmeb-620	1	2	journal	journal	PROPN
ajbmeb-620	1	3	of	of	ADP
ajbmeb-620	1	4	business	business	NOUN
ajbmeb-620	1	5	management	management	NOUN
ajbmeb-620	1	6	,	,	PUNCT
ajbmeb-620	1	7	economics	economic	NOUN
ajbmeb-620	1	8	and	and	CCONJ
ajbmeb-620	1	9	banking	banking	NOUN
ajbmeb-620	1	10	issn	issn	PROPN
ajbmeb-620	1	11	(	(	PUNCT
ajbmeb-620	1	12	e	e	NOUN
ajbmeb-620	1	13	):	):	PUNCT
ajbmeb-620	1	14	2832	2832	NUM
ajbmeb-620	1	15	-	-	SYM
ajbmeb-620	1	16	8078	8078	NUM
ajbmeb-620	1	17	volume	volume	NOUN
ajbmeb-620	1	18	11	11	NUM
ajbmeb-620	1	19	,	,	PUNCT
ajbmeb-620	1	20	|	|	ADV
ajbmeb-620	1	21	april	april	PROPN
ajbmeb-620	1	22	,	,	PUNCT
ajbmeb-620	1	23	2023	2023	NUM
ajbmeb-620	1	24	p	p	NOUN
ajbmeb-620	1	25	a	a	PRON
ajbmeb-620	1	26	g	g	NOUN
ajbmeb-620	1	27	e	e	NOUN
ajbmeb-620	1	28	|	|	ADV
ajbmeb-620	1	29	67	67	NUM
ajbmeb-620	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-620	1	31	the	the	DET
ajbmeb-620	1	32	growth	growth	NOUN
ajbmeb-620	1	33	of	of	ADP
ajbmeb-620	1	34	the	the	DET
ajbmeb-620	1	35	volume	volume	NOUN
ajbmeb-620	1	36	of	of	ADP
ajbmeb-620	1	37	deposits	deposit	NOUN
ajbmeb-620	1	38	and	and	CCONJ
ajbmeb-620	1	39	its	its	PRON
ajbmeb-620	1	40	impact	impact	NOUN
ajbmeb-620	1	41	on	on	ADP
ajbmeb-620	1	42	bank	bank	NOUN
ajbmeb-620	1	43	credit	credit	NOUN
ajbmeb-620	1	44	a	a	PRON
ajbmeb-620	1	45	/	/	SYM
ajbmeb-620	1	46	p	p	PROPN
ajbmeb-620	1	47	dr	dr	PROPN
ajbmeb-620	1	48	.	.	PROPN
ajbmeb-620	1	49	sanaa	sanaa	PROPN
ajbmeb-620	1	50	hasan	hasan	PROPN
ajbmeb-620	1	51	hilo	hilo	PROPN
ajbmeb-620	1	52	techniques	technique	NOUN
ajbmeb-620	1	53	of	of	ADP
ajbmeb-620	1	54	materials	material	NOUN
ajbmeb-620	1	55	management	management	NOUN
ajbmeb-620	1	56	,	,	PUNCT
ajbmeb-620	1	57	department	department	NOUN
ajbmeb-620	1	58	,	,	PUNCT
ajbmeb-620	1	59	institute	institute	PROPN
ajbmeb-620	1	60	of	of	ADP
ajbmeb-620	1	61	administration	administration	PROPN
ajbmeb-620	1	62	rusafa	rusafa	PROPN
ajbmeb-620	1	63	middle	middle	PROPN
ajbmeb-620	1	64	technical	technical	PROPN
ajbmeb-620	1	65	university	university	PROPN
ajbmeb-620	1	66	,	,	PUNCT
ajbmeb-620	1	67	baghdad	baghdad	PROPN
ajbmeb-620	1	68	sanahsanhelo@gmail.com	sanahsanhelo@gmail.com	X
ajbmeb-620	2	1	a	a	DET
ajbmeb-620	2	2	b	b	PROPN
ajbmeb-620	2	3	s	s	ADP
ajbmeb-620	2	4	t	t	PROPN
ajbmeb-620	2	5	r	r	NOUN
ajbmeb-620	2	6	a	a	DET
ajbmeb-620	2	7	c	c	NOUN
ajbmeb-620	2	8	t	t	NOUN
ajbmeb-620	2	9	k	k	X
ajbmeb-620	2	10	e	e	PROPN
ajbmeb-620	2	11	y	y	PROPN
ajbmeb-620	2	12	w	w	NOUN
ajbmeb-620	2	13	o	o	NOUN
ajbmeb-620	2	14	r	r	NOUN
ajbmeb-620	2	15	d	d	PROPN
ajbmeb-620	2	16	s	s	VERB
ajbmeb-620	2	17	the	the	DET
ajbmeb-620	2	18	research	research	NOUN
ajbmeb-620	2	19	dealt	deal	VERB
ajbmeb-620	2	20	with	with	ADP
ajbmeb-620	2	21	the	the	DET
ajbmeb-620	2	22	growth	growth	NOUN
ajbmeb-620	2	23	of	of	ADP
ajbmeb-620	2	24	the	the	DET
ajbmeb-620	2	25	volume	volume	NOUN
ajbmeb-620	2	26	of	of	ADP
ajbmeb-620	2	27	deposits	deposit	NOUN
ajbmeb-620	2	28	and	and	CCONJ
ajbmeb-620	2	29	its	its	PRON
ajbmeb-620	2	30	impact	impact	NOUN
ajbmeb-620	2	31	on	on	ADP
ajbmeb-620	2	32	bank	bank	NOUN
ajbmeb-620	2	33	credit	credit	NOUN
ajbmeb-620	2	34	,	,	PUNCT
ajbmeb-620	2	35	as	as	SCONJ
ajbmeb-620	2	36	the	the	DET
ajbmeb-620	2	37	research	research	NOUN
ajbmeb-620	2	38	attention	attention	NOUN
ajbmeb-620	2	39	is	be	AUX
ajbmeb-620	2	40	focused	focus	VERB
ajbmeb-620	2	41	on	on	ADP
ajbmeb-620	2	42	a	a	DET
ajbmeb-620	2	43	sample	sample	NOUN
ajbmeb-620	2	44	of	of	ADP
ajbmeb-620	2	45	private	private	ADJ
ajbmeb-620	2	46	iraqi	iraqi	ADJ
ajbmeb-620	2	47	banks	bank	NOUN
ajbmeb-620	2	48	,	,	PUNCT
ajbmeb-620	2	49	and	and	CCONJ
ajbmeb-620	2	50	the	the	DET
ajbmeb-620	2	51	research	research	NOUN
ajbmeb-620	2	52	problem	problem	NOUN
ajbmeb-620	2	53	was	be	AUX
ajbmeb-620	2	54	to	to	PART
ajbmeb-620	2	55	identify	identify	VERB
ajbmeb-620	2	56	the	the	DET
ajbmeb-620	2	57	growth	growth	NOUN
ajbmeb-620	2	58	of	of	ADP
ajbmeb-620	2	59	the	the	DET
ajbmeb-620	2	60	volume	volume	NOUN
ajbmeb-620	2	61	of	of	ADP
ajbmeb-620	2	62	deposits	deposit	NOUN
ajbmeb-620	2	63	and	and	CCONJ
ajbmeb-620	2	64	its	its	PRON
ajbmeb-620	2	65	impact	impact	NOUN
ajbmeb-620	2	66	on	on	ADP
ajbmeb-620	2	67	bank	bank	NOUN
ajbmeb-620	2	68	credit	credit	NOUN
ajbmeb-620	2	69	,	,	PUNCT
ajbmeb-620	2	70	and	and	CCONJ
ajbmeb-620	2	71	the	the	DET
ajbmeb-620	2	72	research	research	NOUN
ajbmeb-620	2	73	sought	seek	VERB
ajbmeb-620	2	74	to	to	PART
ajbmeb-620	2	75	achieve	achieve	VERB
ajbmeb-620	2	76	a	a	DET
ajbmeb-620	2	77	number	number	NOUN
ajbmeb-620	2	78	of	of	ADP
ajbmeb-620	2	79	cognitive	cognitive	ADJ
ajbmeb-620	2	80	goals	goal	NOUN
ajbmeb-620	2	81	based	base	VERB
ajbmeb-620	2	82	on	on	ADP
ajbmeb-620	2	83	a	a	DET
ajbmeb-620	2	84	main	main	ADJ
ajbmeb-620	2	85	hypothesis	hypothesis	NOUN
ajbmeb-620	2	86	,	,	PUNCT
ajbmeb-620	2	87	so	so	ADV
ajbmeb-620	2	88	the	the	DET
ajbmeb-620	2	89	research	research	NOUN
ajbmeb-620	2	90	chose	choose	VERB
ajbmeb-620	2	91	(	(	PUNCT
ajbmeb-620	2	92	5	5	X
ajbmeb-620	2	93	)	)	PUNCT
ajbmeb-620	2	94	banks	bank	NOUN
ajbmeb-620	2	95	to	to	PART
ajbmeb-620	2	96	collect	collect	VERB
ajbmeb-620	2	97	data	datum	NOUN
ajbmeb-620	2	98	and	and	CCONJ
ajbmeb-620	2	99	information	information	NOUN
ajbmeb-620	2	100	related	relate	VERB
ajbmeb-620	2	101	to	to	ADP
ajbmeb-620	2	102	the	the	DET
ajbmeb-620	2	103	research	research	NOUN
ajbmeb-620	2	104	and	and	CCONJ
ajbmeb-620	2	105	that	that	SCONJ
ajbmeb-620	2	106	the	the	DET
ajbmeb-620	2	107	research	research	NOUN
ajbmeb-620	2	108	period	period	NOUN
ajbmeb-620	2	109	was	be	AUX
ajbmeb-620	2	110	(	(	PUNCT
ajbmeb-620	2	111	2012	2012	NUM
ajbmeb-620	2	112	-	-	SYM
ajbmeb-620	2	113	2021	2021	NUM
ajbmeb-620	2	114	)	)	PUNCT
ajbmeb-620	2	115	and	and	CCONJ
ajbmeb-620	2	116	in	in	ADP
ajbmeb-620	2	117	order	order	NOUN
ajbmeb-620	2	118	to	to	PART
ajbmeb-620	2	119	process	process	VERB
ajbmeb-620	2	120	the	the	DET
ajbmeb-620	2	121	data	datum	NOUN
ajbmeb-620	2	122	,	,	PUNCT
ajbmeb-620	2	123	many	many	ADJ
ajbmeb-620	2	124	financial	financial	ADJ
ajbmeb-620	2	125	and	and	CCONJ
ajbmeb-620	2	126	statistical	statistical	ADJ
ajbmeb-620	2	127	methods	method	NOUN
ajbmeb-620	2	128	were	be	AUX
ajbmeb-620	2	129	used	use	VERB
ajbmeb-620	2	130	(	(	PUNCT
ajbmeb-620	2	131	linear	linear	ADJ
ajbmeb-620	2	132	regression	regression	NOUN
ajbmeb-620	2	133	rate	rate	NOUN
ajbmeb-620	2	134	of	of	ADP
ajbmeb-620	2	135	change	change	NOUN
ajbmeb-620	2	136	,	,	PUNCT
ajbmeb-620	2	137	and	and	CCONJ
ajbmeb-620	2	138	anova	anova	PROPN
ajbmeb-620	2	139	analysis	analysis	NOUN
ajbmeb-620	2	140	)	)	PUNCT
ajbmeb-620	2	141	statistical	statistical	ADJ
ajbmeb-620	2	142	methods	method	NOUN
ajbmeb-620	2	143	have	have	AUX
ajbmeb-620	2	144	produced	produce	VERB
ajbmeb-620	2	145	a	a	DET
ajbmeb-620	2	146	number	number	NOUN
ajbmeb-620	2	147	of	of	ADP
ajbmeb-620	2	148	results	result	NOUN
ajbmeb-620	2	149	,	,	PUNCT
ajbmeb-620	2	150	perhaps	perhaps	ADV
ajbmeb-620	2	151	the	the	DET
ajbmeb-620	2	152	most	most	ADV
ajbmeb-620	2	153	prominent	prominent	ADJ
ajbmeb-620	2	154	of	of	ADP
ajbmeb-620	2	155	which	which	PRON
ajbmeb-620	2	156	is	be	AUX
ajbmeb-620	2	157	the	the	DET
ajbmeb-620	2	158	presence	presence	NOUN
ajbmeb-620	2	159	of	of	ADP
ajbmeb-620	2	160	the	the	DET
ajbmeb-620	2	161	significant	significant	ADJ
ajbmeb-620	2	162	impact	impact	NOUN
ajbmeb-620	2	163	of	of	ADP
ajbmeb-620	2	164	bank	bank	NOUN
ajbmeb-620	2	165	deposits	deposit	NOUN
ajbmeb-620	2	166	on	on	ADP
ajbmeb-620	2	167	bank	bank	NOUN
ajbmeb-620	2	168	credit	credit	NOUN
ajbmeb-620	2	169	.	.	PUNCT
ajbmeb-620	3	1	in	in	ADP
ajbmeb-620	3	2	the	the	DET
ajbmeb-620	3	3	context	context	NOUN
ajbmeb-620	3	4	of	of	ADP
ajbmeb-620	3	5	discussing	discuss	VERB
ajbmeb-620	3	6	the	the	DET
ajbmeb-620	3	7	results	result	NOUN
ajbmeb-620	3	8	,	,	PUNCT
ajbmeb-620	3	9	the	the	DET
ajbmeb-620	3	10	applied	apply	VERB
ajbmeb-620	3	11	research	research	NOUN
ajbmeb-620	3	12	emphasized	emphasize	VERB
ajbmeb-620	3	13	the	the	DET
ajbmeb-620	3	14	interest	interest	NOUN
ajbmeb-620	3	15	in	in	ADP
ajbmeb-620	3	16	the	the	DET
ajbmeb-620	3	17	growth	growth	NOUN
ajbmeb-620	3	18	of	of	ADP
ajbmeb-620	3	19	the	the	DET
ajbmeb-620	3	20	volume	volume	NOUN
ajbmeb-620	3	21	of	of	ADP
ajbmeb-620	3	22	deposits	deposit	NOUN
ajbmeb-620	3	23	and	and	CCONJ
ajbmeb-620	3	24	its	its	PRON
ajbmeb-620	3	25	impact	impact	NOUN
ajbmeb-620	3	26	on	on	ADP
ajbmeb-620	3	27	bank	bank	NOUN
ajbmeb-620	3	28	credit	credit	NOUN
ajbmeb-620	3	29	,	,	PUNCT
ajbmeb-620	3	30	perhaps	perhaps	ADV
ajbmeb-620	3	31	the	the	DET
ajbmeb-620	3	32	most	most	ADV
ajbmeb-620	3	33	prominent	prominent	ADJ
ajbmeb-620	3	34	of	of	ADP
ajbmeb-620	3	35	which	which	PRON
ajbmeb-620	3	36	is	be	AUX
ajbmeb-620	3	37	the	the	DET
ajbmeb-620	3	38	continuous	continuous	ADJ
ajbmeb-620	3	39	and	and	CCONJ
ajbmeb-620	3	40	permanent	permanent	ADJ
ajbmeb-620	3	41	interest	interest	NOUN
ajbmeb-620	3	42	in	in	ADP
ajbmeb-620	3	43	analyzing	analyze	VERB
ajbmeb-620	3	44	deposits	deposit	NOUN
ajbmeb-620	3	45	through	through	ADP
ajbmeb-620	3	46	the	the	DET
ajbmeb-620	3	47	financial	financial	ADJ
ajbmeb-620	3	48	ratios	ratio	NOUN
ajbmeb-620	3	49	used	use	VERB
ajbmeb-620	3	50	because	because	SCONJ
ajbmeb-620	3	51	of	of	ADP
ajbmeb-620	3	52	their	their	PRON
ajbmeb-620	3	53	major	major	ADJ
ajbmeb-620	3	54	role	role	NOUN
ajbmeb-620	3	55	in	in	ADP
ajbmeb-620	3	56	identifying	identify	VERB
ajbmeb-620	3	57	the	the	DET
ajbmeb-620	3	58	rate	rate	NOUN
ajbmeb-620	3	59	of	of	ADP
ajbmeb-620	3	60	change	change	NOUN
ajbmeb-620	3	61	in	in	ADP
ajbmeb-620	3	62	deposits	deposit	NOUN
ajbmeb-620	3	63	because	because	SCONJ
ajbmeb-620	3	64	of	of	ADP
ajbmeb-620	3	65	its	its	PRON
ajbmeb-620	3	66	impact	impact	NOUN
ajbmeb-620	3	67	on	on	ADP
ajbmeb-620	3	68	bank	bank	NOUN
ajbmeb-620	3	69	credit	credit	NOUN
ajbmeb-620	3	70	.	.	PUNCT
ajbmeb-620	4	1	introduction	introduction	NOUN
ajbmeb-620	4	2	deposits	deposit	NOUN
ajbmeb-620	4	3	are	be	AUX
ajbmeb-620	4	4	the	the	DET
ajbmeb-620	4	5	most	most	ADV
ajbmeb-620	4	6	important	important	ADJ
ajbmeb-620	4	7	sources	source	NOUN
ajbmeb-620	4	8	of	of	ADP
ajbmeb-620	4	9	financing	financing	NOUN
ajbmeb-620	4	10	for	for	ADP
ajbmeb-620	4	11	commercial	commercial	ADJ
ajbmeb-620	4	12	banks	bank	NOUN
ajbmeb-620	4	13	,	,	PUNCT
ajbmeb-620	4	14	so	so	SCONJ
ajbmeb-620	4	15	banks	bank	NOUN
ajbmeb-620	4	16	are	be	AUX
ajbmeb-620	4	17	keen	keen	ADJ
ajbmeb-620	4	18	to	to	PART
ajbmeb-620	4	19	develop	develop	VERB
ajbmeb-620	4	20	them	they	PRON
ajbmeb-620	4	21	,	,	PUNCT
ajbmeb-620	4	22	as	as	SCONJ
ajbmeb-620	4	23	it	it	PRON
ajbmeb-620	4	24	is	be	AUX
ajbmeb-620	4	25	a	a	DET
ajbmeb-620	4	26	banking	banking	NOUN
ajbmeb-620	4	27	obligation	obligation	NOUN
ajbmeb-620	4	28	that	that	PRON
ajbmeb-620	4	29	the	the	DET
ajbmeb-620	4	30	bank	bank	NOUN
ajbmeb-620	4	31	must	must	AUX
ajbmeb-620	4	32	return	return	VERB
ajbmeb-620	4	33	to	to	ADP
ajbmeb-620	4	34	the	the	DET
ajbmeb-620	4	35	depositor	depositor	NOUN
ajbmeb-620	4	36	upon	upon	SCONJ
ajbmeb-620	4	37	demand	demand	NOUN
ajbmeb-620	4	38	or	or	CCONJ
ajbmeb-620	4	39	according	accord	VERB
ajbmeb-620	4	40	to	to	ADP
ajbmeb-620	4	41	the	the	DET
ajbmeb-620	4	42	agreed	agree	VERB
ajbmeb-620	4	43	terms	term	NOUN
ajbmeb-620	4	44	,	,	PUNCT
ajbmeb-620	4	45	so	so	SCONJ
ajbmeb-620	4	46	banks	bank	NOUN
ajbmeb-620	4	47	must	must	AUX
ajbmeb-620	4	48	work	work	VERB
ajbmeb-620	4	49	to	to	PART
ajbmeb-620	4	50	develop	develop	VERB
ajbmeb-620	4	51	the	the	DET
ajbmeb-620	4	52	volume	volume	NOUN
ajbmeb-620	4	53	of	of	ADP
ajbmeb-620	4	54	bank	bank	NOUN
ajbmeb-620	4	55	deposits	deposit	NOUN
ajbmeb-620	4	56	by	by	ADP
ajbmeb-620	4	57	increasing	increase	VERB
ajbmeb-620	4	58	customer	customer	NOUN
ajbmeb-620	4	59	confidence	confidence	NOUN
ajbmeb-620	4	60	,	,	PUNCT
ajbmeb-620	4	61	which	which	PRON
ajbmeb-620	4	62	depends	depend	VERB
ajbmeb-620	4	63	on	on	ADP
ajbmeb-620	4	64	the	the	DET
ajbmeb-620	4	65	bank	bank	NOUN
ajbmeb-620	4	66	's	's	PART
ajbmeb-620	4	67	good	good	ADJ
ajbmeb-620	4	68	reputation	reputation	NOUN
ajbmeb-620	4	69	and	and	CCONJ
ajbmeb-620	4	70	financial	financial	ADJ
ajbmeb-620	4	71	position	position	NOUN
ajbmeb-620	4	72	,	,	PUNCT
ajbmeb-620	4	73	and	and	CCONJ
ajbmeb-620	4	74	the	the	DET
ajbmeb-620	4	75	clear	clear	ADJ
ajbmeb-620	4	76	policy	policy	NOUN
ajbmeb-620	4	77	towards	towards	ADP
ajbmeb-620	4	78	customers	customer	NOUN
ajbmeb-620	4	79	pushes	push	VERB
ajbmeb-620	4	80	customers	customer	NOUN
ajbmeb-620	4	81	to	to	PART
ajbmeb-620	4	82	deposit	deposit	VERB
ajbmeb-620	4	83	their	their	PRON
ajbmeb-620	4	84	money	money	NOUN
ajbmeb-620	4	85	in	in	ADP
ajbmeb-620	4	86	the	the	DET
ajbmeb-620	4	87	bank	bank	NOUN
ajbmeb-620	4	88	with	with	ADP
ajbmeb-620	4	89	confidence	confidence	NOUN
ajbmeb-620	4	90	and	and	CCONJ
ajbmeb-620	4	91	reassurance	reassurance	NOUN
ajbmeb-620	4	92	,	,	PUNCT
ajbmeb-620	4	93	so	so	CCONJ
ajbmeb-620	4	94	the	the	DET
ajbmeb-620	4	95	large	large	ADJ
ajbmeb-620	4	96	volume	volume	NOUN
ajbmeb-620	4	97	of	of	ADP
ajbmeb-620	4	98	deposits	deposit	NOUN
ajbmeb-620	4	99	contributes	contribute	VERB
ajbmeb-620	4	100	to	to	ADP
ajbmeb-620	4	101	the	the	DET
ajbmeb-620	4	102	bank	bank	NOUN
ajbmeb-620	4	103	's	's	PART
ajbmeb-620	4	104	ability	ability	NOUN
ajbmeb-620	4	105	in	in	ADP
ajbmeb-620	4	106	granting	grant	VERB
ajbmeb-620	4	107	credit	credit	NOUN
ajbmeb-620	4	108	,	,	PUNCT
ajbmeb-620	4	109	which	which	PRON
ajbmeb-620	4	110	varies	vary	VERB
ajbmeb-620	4	111	according	accord	VERB
ajbmeb-620	4	112	to	to	ADP
ajbmeb-620	4	113	its	its	PRON
ajbmeb-620	4	114	stability	stability	NOUN
ajbmeb-620	4	115	and	and	CCONJ
ajbmeb-620	4	116	postponement	postponement	NOUN
ajbmeb-620	4	117	.	.	PUNCT
ajbmeb-620	5	1	the	the	DET
ajbmeb-620	5	2	banking	banking	NOUN
ajbmeb-620	5	3	system	system	NOUN
ajbmeb-620	5	4	itself	itself	PRON
ajbmeb-620	5	5	is	be	AUX
ajbmeb-620	5	6	a	a	DET
ajbmeb-620	5	7	credit	credit	NOUN
ajbmeb-620	5	8	system	system	NOUN
ajbmeb-620	5	9	due	due	ADP
ajbmeb-620	5	10	to	to	ADP
ajbmeb-620	5	11	the	the	DET
ajbmeb-620	5	12	role	role	NOUN
ajbmeb-620	5	13	of	of	ADP
ajbmeb-620	5	14	banks	bank	NOUN
ajbmeb-620	5	15	in	in	ADP
ajbmeb-620	5	16	evaluating	evaluate	VERB
ajbmeb-620	5	17	and	and	CCONJ
ajbmeb-620	5	18	determining	determine	VERB
ajbmeb-620	5	19	effective	effective	ADJ
ajbmeb-620	5	20	credit	credit	NOUN
ajbmeb-620	5	21	,	,	PUNCT
ajbmeb-620	5	22	and	and	CCONJ
ajbmeb-620	5	23	the	the	DET
ajbmeb-620	5	24	increase	increase	NOUN
ajbmeb-620	5	25	in	in	ADP
ajbmeb-620	5	26	competition	competition	NOUN
ajbmeb-620	5	27	between	between	ADP
ajbmeb-620	5	28	banks	bank	NOUN
ajbmeb-620	5	29	has	have	AUX
ajbmeb-620	5	30	led	lead	VERB
ajbmeb-620	5	31	to	to	ADP
ajbmeb-620	5	32	an	an	DET
ajbmeb-620	5	33	increase	increase	NOUN
ajbmeb-620	5	34	in	in	ADP
ajbmeb-620	5	35	the	the	DET
ajbmeb-620	5	36	volume	volume	NOUN
ajbmeb-620	5	37	of	of	ADP
ajbmeb-620	5	38	american	american	PROPN
ajbmeb-620	5	39	journal	journal	PROPN
ajbmeb-620	5	40	of	of	ADP
ajbmeb-620	5	41	business	business	NOUN
ajbmeb-620	5	42	management	management	NOUN
ajbmeb-620	5	43	,	,	PUNCT
ajbmeb-620	5	44	economics	economic	NOUN
ajbmeb-620	5	45	and	and	CCONJ
ajbmeb-620	5	46	banking	banking	NOUN
ajbmeb-620	5	47	volume	volume	NOUN
ajbmeb-620	5	48	11	11	NUM
ajbmeb-620	5	49	april	april	PROPN
ajbmeb-620	5	50	,	,	PUNCT
ajbmeb-620	5	51	2023	2023	NUM
ajbmeb-620	5	52	p	p	NOUN
ajbmeb-620	5	53	a	a	DET
ajbmeb-620	5	54	g	g	NOUN
ajbmeb-620	5	55	e	e	NOUN
ajbmeb-620	5	56	|	|	ADV
ajbmeb-620	5	57	68	68	NUM
ajbmeb-620	5	58	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-620	5	59	credit	credit	NOUN
ajbmeb-620	5	60	facilities	facility	NOUN
ajbmeb-620	5	61	granted	grant	VERB
ajbmeb-620	5	62	by	by	ADP
ajbmeb-620	5	63	them	they	PRON
ajbmeb-620	5	64	,	,	PUNCT
ajbmeb-620	5	65	accompanied	accompany	VERB
ajbmeb-620	5	66	by	by	ADP
ajbmeb-620	5	67	an	an	DET
ajbmeb-620	5	68	increase	increase	NOUN
ajbmeb-620	5	69	in	in	ADP
ajbmeb-620	5	70	the	the	DET
ajbmeb-620	5	71	volume	volume	NOUN
ajbmeb-620	5	72	of	of	ADP
ajbmeb-620	5	73	exposure	exposure	NOUN
ajbmeb-620	5	74	to	to	ADP
ajbmeb-620	5	75	credit	credit	NOUN
ajbmeb-620	5	76	risks	risk	NOUN
ajbmeb-620	5	77	,	,	PUNCT
ajbmeb-620	5	78	and	and	CCONJ
ajbmeb-620	5	79	thus	thus	ADV
ajbmeb-620	5	80	bank	bank	NOUN
ajbmeb-620	5	81	administrations	administration	NOUN
ajbmeb-620	5	82	can	can	AUX
ajbmeb-620	5	83	no	no	ADV
ajbmeb-620	5	84	longer	long	ADV
ajbmeb-620	5	85	deal	deal	VERB
ajbmeb-620	5	86	with	with	ADP
ajbmeb-620	5	87	credit	credit	NOUN
ajbmeb-620	5	88	by	by	ADP
ajbmeb-620	5	89	traditional	traditional	ADJ
ajbmeb-620	5	90	methods	method	NOUN
ajbmeb-620	5	91	.	.	PUNCT
ajbmeb-620	6	1	therefore	therefore	ADV
ajbmeb-620	6	2	,	,	PUNCT
ajbmeb-620	6	3	the	the	DET
ajbmeb-620	6	4	management	management	NOUN
ajbmeb-620	6	5	of	of	ADP
ajbmeb-620	6	6	banks	bank	NOUN
ajbmeb-620	6	7	needs	need	VERB
ajbmeb-620	6	8	an	an	DET
ajbmeb-620	6	9	appropriate	appropriate	ADJ
ajbmeb-620	6	10	method	method	NOUN
ajbmeb-620	6	11	concerned	concern	VERB
ajbmeb-620	6	12	with	with	ADP
ajbmeb-620	6	13	setting	set	VERB
ajbmeb-620	6	14	goals	goal	NOUN
ajbmeb-620	6	15	and	and	CCONJ
ajbmeb-620	6	16	strategies	strategy	NOUN
ajbmeb-620	6	17	that	that	PRON
ajbmeb-620	6	18	can	can	AUX
ajbmeb-620	6	19	be	be	AUX
ajbmeb-620	6	20	expressed	express	VERB
ajbmeb-620	6	21	with	with	ADP
ajbmeb-620	6	22	appropriate	appropriate	ADJ
ajbmeb-620	6	23	indicators	indicator	NOUN
ajbmeb-620	6	24	for	for	ADP
ajbmeb-620	6	25	the	the	DET
ajbmeb-620	6	26	nature	nature	NOUN
ajbmeb-620	6	27	and	and	CCONJ
ajbmeb-620	6	28	conditions	condition	NOUN
ajbmeb-620	6	29	of	of	ADP
ajbmeb-620	6	30	the	the	DET
ajbmeb-620	6	31	modern	modern	ADJ
ajbmeb-620	6	32	environment	environment	NOUN
ajbmeb-620	6	33	that	that	PRON
ajbmeb-620	6	34	direct	direct	ADJ
ajbmeb-620	6	35	management	management	NOUN
ajbmeb-620	6	36	efforts	effort	NOUN
ajbmeb-620	6	37	towards	towards	ADP
ajbmeb-620	6	38	the	the	DET
ajbmeb-620	6	39	essential	essential	ADJ
ajbmeb-620	6	40	factors	factor	NOUN
ajbmeb-620	6	41	for	for	ADP
ajbmeb-620	6	42	the	the	DET
ajbmeb-620	6	43	success	success	NOUN
ajbmeb-620	6	44	of	of	ADP
ajbmeb-620	6	45	the	the	DET
ajbmeb-620	6	46	bank	bank	NOUN
ajbmeb-620	6	47	,	,	PUNCT
ajbmeb-620	6	48	which	which	PRON
ajbmeb-620	6	49	result	result	VERB
ajbmeb-620	6	50	in	in	ADP
ajbmeb-620	6	51	achieving	achieve	VERB
ajbmeb-620	6	52	long	long	ADJ
ajbmeb-620	6	53	-	-	PUNCT
ajbmeb-620	6	54	term	term	NOUN
ajbmeb-620	6	55	economic	economic	ADJ
ajbmeb-620	6	56	benefits	benefit	NOUN
ajbmeb-620	6	57	.	.	PUNCT
ajbmeb-620	7	1	based	base	VERB
ajbmeb-620	7	2	on	on	ADP
ajbmeb-620	7	3	the	the	DET
ajbmeb-620	7	4	importance	importance	NOUN
ajbmeb-620	7	5	mentioned	mention	VERB
ajbmeb-620	7	6	above	above	ADV
ajbmeb-620	7	7	came	come	VERB
ajbmeb-620	7	8	this	this	DET
ajbmeb-620	7	9	research	research	NOUN
ajbmeb-620	7	10	,	,	PUNCT
ajbmeb-620	7	11	which	which	PRON
ajbmeb-620	7	12	aims	aim	VERB
ajbmeb-620	7	13	to	to	PART
ajbmeb-620	7	14	identify	identify	VERB
ajbmeb-620	7	15	the	the	DET
ajbmeb-620	7	16	growth	growth	NOUN
ajbmeb-620	7	17	of	of	ADP
ajbmeb-620	7	18	the	the	DET
ajbmeb-620	7	19	volume	volume	NOUN
ajbmeb-620	7	20	of	of	ADP
ajbmeb-620	7	21	deposits	deposit	NOUN
ajbmeb-620	7	22	and	and	CCONJ
ajbmeb-620	7	23	its	its	PRON
ajbmeb-620	7	24	impact	impact	NOUN
ajbmeb-620	7	25	on	on	ADP
ajbmeb-620	7	26	bank	bank	NOUN
ajbmeb-620	7	27	credit	credit	NOUN
ajbmeb-620	7	28	to	to	ADP
ajbmeb-620	7	29	the	the	DET
ajbmeb-620	7	30	reality	reality	NOUN
ajbmeb-620	7	31	of	of	ADP
ajbmeb-620	7	32	a	a	DET
ajbmeb-620	7	33	number	number	NOUN
ajbmeb-620	7	34	of	of	ADP
ajbmeb-620	7	35	private	private	ADJ
ajbmeb-620	7	36	iraqi	iraqi	ADJ
ajbmeb-620	7	37	banks	bank	NOUN
ajbmeb-620	7	38	as	as	SCONJ
ajbmeb-620	7	39	the	the	DET
ajbmeb-620	7	40	research	research	NOUN
ajbmeb-620	7	41	started	start	VERB
ajbmeb-620	7	42	from	from	ADP
ajbmeb-620	7	43	a	a	DET
ajbmeb-620	7	44	basic	basic	ADJ
ajbmeb-620	7	45	problem	problem	NOUN
ajbmeb-620	7	46	of	of	ADP
ajbmeb-620	7	47	what	what	PRON
ajbmeb-620	7	48	the	the	DET
ajbmeb-620	7	49	impact	impact	NOUN
ajbmeb-620	7	50	of	of	ADP
ajbmeb-620	7	51	the	the	DET
ajbmeb-620	7	52	growth	growth	NOUN
ajbmeb-620	7	53	of	of	ADP
ajbmeb-620	7	54	the	the	DET
ajbmeb-620	7	55	volume	volume	NOUN
ajbmeb-620	7	56	of	of	ADP
ajbmeb-620	7	57	deposits	deposit	NOUN
ajbmeb-620	7	58	in	in	ADP
ajbmeb-620	7	59	bank	bank	NOUN
ajbmeb-620	7	60	credit	credit	NOUN
ajbmeb-620	7	61	and	and	CCONJ
ajbmeb-620	7	62	aims	aim	VERB
ajbmeb-620	7	63	to	to	PART
ajbmeb-620	7	64	measure	measure	VERB
ajbmeb-620	7	65	deposits	deposit	NOUN
ajbmeb-620	7	66	of	of	ADP
ajbmeb-620	7	67	banks	bank	NOUN
ajbmeb-620	7	68	sample	sample	VERB
ajbmeb-620	7	69	research	research	NOUN
ajbmeb-620	7	70	and	and	CCONJ
ajbmeb-620	7	71	included	include	VERB
ajbmeb-620	7	72	the	the	DET
ajbmeb-620	7	73	research	research	NOUN
ajbmeb-620	7	74	on	on	ADP
ajbmeb-620	7	75	the	the	DET
ajbmeb-620	7	76	main	main	ADJ
ajbmeb-620	7	77	hypothesis	hypothesis	NOUN
ajbmeb-620	7	78	is	be	AUX
ajbmeb-620	7	79	(	(	PUNCT
ajbmeb-620	7	80	the	the	DET
ajbmeb-620	7	81	presence	presence	NOUN
ajbmeb-620	7	82	of	of	ADP
ajbmeb-620	7	83	a	a	DET
ajbmeb-620	7	84	significant	significant	ADJ
ajbmeb-620	7	85	effect	effect	NOUN
ajbmeb-620	7	86	of	of	ADP
ajbmeb-620	7	87	the	the	DET
ajbmeb-620	7	88	volume	volume	NOUN
ajbmeb-620	7	89	of	of	ADP
ajbmeb-620	7	90	deposits	deposit	NOUN
ajbmeb-620	7	91	in	in	ADP
ajbmeb-620	7	92	bank	bank	NOUN
ajbmeb-620	7	93	credit	credit	NOUN
ajbmeb-620	7	94	)	)	PUNCT
ajbmeb-620	7	95	and	and	CCONJ
ajbmeb-620	7	96	adopted	adopt	VERB
ajbmeb-620	7	97	financial	financial	ADJ
ajbmeb-620	7	98	statements	statement	NOUN
ajbmeb-620	7	99	and	and	CCONJ
ajbmeb-620	7	100	annual	annual	ADJ
ajbmeb-620	7	101	reports	report	NOUN
ajbmeb-620	7	102	of	of	ADP
ajbmeb-620	7	103	banks	bank	NOUN
ajbmeb-620	7	104	sample	sample	VERB
ajbmeb-620	7	105	research	research	NOUN
ajbmeb-620	7	106	in	in	ADP
ajbmeb-620	7	107	the	the	DET
ajbmeb-620	7	108	collection	collection	NOUN
ajbmeb-620	7	109	of	of	ADP
ajbmeb-620	7	110	data	datum	NOUN
ajbmeb-620	7	111	and	and	CCONJ
ajbmeb-620	7	112	the	the	DET
ajbmeb-620	7	113	information	information	NOUN
ajbmeb-620	7	114	on	on	ADP
ajbmeb-620	7	115	the	the	DET
ajbmeb-620	7	116	applied	applied	ADJ
ajbmeb-620	7	117	side	side	NOUN
ajbmeb-620	7	118	with	with	ADP
ajbmeb-620	7	119	the	the	DET
ajbmeb-620	7	120	use	use	NOUN
ajbmeb-620	7	121	of	of	ADP
ajbmeb-620	7	122	many	many	ADJ
ajbmeb-620	7	123	statistical	statistical	ADJ
ajbmeb-620	7	124	methods	method	NOUN
ajbmeb-620	7	125	the	the	DET
ajbmeb-620	7	126	results	result	NOUN
ajbmeb-620	7	127	have	have	AUX
ajbmeb-620	7	128	produced	produce	VERB
ajbmeb-620	7	129	an	an	DET
ajbmeb-620	7	130	impact	impact	NOUN
ajbmeb-620	7	131	relationship	relationship	NOUN
ajbmeb-620	7	132	for	for	ADP
ajbmeb-620	7	133	the	the	DET
ajbmeb-620	7	134	growth	growth	NOUN
ajbmeb-620	7	135	of	of	ADP
ajbmeb-620	7	136	the	the	DET
ajbmeb-620	7	137	volume	volume	NOUN
ajbmeb-620	7	138	of	of	ADP
ajbmeb-620	7	139	deposits	deposit	NOUN
ajbmeb-620	7	140	in	in	ADP
ajbmeb-620	7	141	bank	bank	NOUN
ajbmeb-620	7	142	credit	credit	NOUN
ajbmeb-620	7	143	.	.	PUNCT
ajbmeb-620	8	1	2the	2the	DET
ajbmeb-620	8	2	concept	concept	NOUN
ajbmeb-620	8	3	and	and	CCONJ
ajbmeb-620	8	4	importance	importance	NOUN
ajbmeb-620	8	5	of	of	ADP
ajbmeb-620	8	6	bank	bank	NOUN
ajbmeb-620	8	7	deposits	deposit	NOUN
ajbmeb-620	8	8	banks	bank	NOUN
ajbmeb-620	8	9	work	work	VERB
ajbmeb-620	8	10	to	to	PART
ajbmeb-620	8	11	mobilize	mobilize	VERB
ajbmeb-620	8	12	savings	saving	NOUN
ajbmeb-620	8	13	through	through	ADP
ajbmeb-620	8	14	current	current	ADJ
ajbmeb-620	8	15	or	or	CCONJ
ajbmeb-620	8	16	savings	saving	NOUN
ajbmeb-620	8	17	bank	bank	NOUN
ajbmeb-620	8	18	deposits	deposit	NOUN
ajbmeb-620	8	19	that	that	PRON
ajbmeb-620	8	20	form	form	VERB
ajbmeb-620	8	21	the	the	DET
ajbmeb-620	8	22	basis	basis	NOUN
ajbmeb-620	8	23	in	in	ADP
ajbmeb-620	8	24	the	the	DET
ajbmeb-620	8	25	field	field	NOUN
ajbmeb-620	8	26	of	of	ADP
ajbmeb-620	8	27	lending	lending	NOUN
ajbmeb-620	8	28	or	or	CCONJ
ajbmeb-620	8	29	investment	investment	NOUN
ajbmeb-620	8	30	(	(	PUNCT
ajbmeb-620	8	31	majumdar	majumdar	PROPN
ajbmeb-620	8	32	,	,	PUNCT
ajbmeb-620	8	33	n	n	CCONJ
ajbmeb-620	8	34	,	,	PUNCT
ajbmeb-620	8	35	2010	2010	NUM
ajbmeb-620	8	36	:	:	PUNCT
ajbmeb-620	8	37	7	7	NUM
ajbmeb-620	8	38	)	)	PUNCT
ajbmeb-620	8	39	and	and	CCONJ
ajbmeb-620	8	40	the	the	DET
ajbmeb-620	8	41	deposit	deposit	NOUN
ajbmeb-620	8	42	is	be	AUX
ajbmeb-620	8	43	defined	define	VERB
ajbmeb-620	8	44	as	as	ADP
ajbmeb-620	8	45	(	(	PUNCT
ajbmeb-620	8	46	a	a	DET
ajbmeb-620	8	47	money	money	NOUN
ajbmeb-620	8	48	that	that	PRON
ajbmeb-620	8	49	someone	someone	PRON
ajbmeb-620	8	50	deposits	deposit	VERB
ajbmeb-620	8	51	with	with	ADP
ajbmeb-620	8	52	the	the	DET
ajbmeb-620	8	53	bank	bank	NOUN
ajbmeb-620	8	54	to	to	PART
ajbmeb-620	8	55	be	be	AUX
ajbmeb-620	8	56	committed	commit	VERB
ajbmeb-620	8	57	to	to	PART
ajbmeb-620	8	58	return	return	VERB
ajbmeb-620	8	59	it	it	PRON
ajbmeb-620	8	60	to	to	ADP
ajbmeb-620	8	61	the	the	DET
ajbmeb-620	8	62	depositor	depositor	NOUN
ajbmeb-620	8	63	upon	upon	SCONJ
ajbmeb-620	8	64	request	request	NOUN
ajbmeb-620	8	65	or	or	CCONJ
ajbmeb-620	8	66	in	in	ADP
ajbmeb-620	8	67	accordance	accordance	NOUN
ajbmeb-620	8	68	with	with	ADP
ajbmeb-620	8	69	the	the	DET
ajbmeb-620	8	70	agreed	agree	VERB
ajbmeb-620	8	71	terms	term	NOUN
ajbmeb-620	8	72	and	and	CCONJ
ajbmeb-620	8	73	can	can	AUX
ajbmeb-620	8	74	also	also	ADV
ajbmeb-620	8	75	be	be	AUX
ajbmeb-620	8	76	defined	define	VERB
ajbmeb-620	8	77	as	as	ADP
ajbmeb-620	8	78	debts	debt	NOUN
ajbmeb-620	8	79	owed	owe	VERB
ajbmeb-620	8	80	to	to	ADP
ajbmeb-620	8	81	their	their	PRON
ajbmeb-620	8	82	owners	owner	NOUN
ajbmeb-620	8	83	on	on	ADP
ajbmeb-620	8	84	the	the	DET
ajbmeb-620	8	85	liability	liability	NOUN
ajbmeb-620	8	86	of	of	ADP
ajbmeb-620	8	87	commercial	commercial	ADJ
ajbmeb-620	8	88	banks	bank	NOUN
ajbmeb-620	8	89	and	and	CCONJ
ajbmeb-620	8	90	can	can	AUX
ajbmeb-620	8	91	be	be	AUX
ajbmeb-620	8	92	used	use	VERB
ajbmeb-620	8	93	to	to	PART
ajbmeb-620	8	94	discharge	discharge	VERB
ajbmeb-620	8	95	liability	liability	NOUN
ajbmeb-620	8	96	or	or	CCONJ
ajbmeb-620	8	97	debt	debt	NOUN
ajbmeb-620	8	98	at	at	ADP
ajbmeb-620	8	99	the	the	DET
ajbmeb-620	8	100	same	same	ADJ
ajbmeb-620	8	101	time	time	NOUN
ajbmeb-620	8	102	(	(	PUNCT
ajbmeb-620	8	103	abdul	abdul	PROPN
ajbmeb-620	8	104	hamid	hamid	PROPN
ajbmeb-620	8	105	,	,	PUNCT
ajbmeb-620	8	106	2000	2000	NUM
ajbmeb-620	8	107	:	:	PUNCT
ajbmeb-620	8	108	59	59	NUM
ajbmeb-620	8	109	)	)	PUNCT
ajbmeb-620	8	110	can	can	AUX
ajbmeb-620	8	111	also	also	ADV
ajbmeb-620	8	112	be	be	AUX
ajbmeb-620	8	113	defined	define	VERB
ajbmeb-620	8	114	as	as	ADP
ajbmeb-620	8	115	(	(	PUNCT
ajbmeb-620	8	116	money	money	NOUN
ajbmeb-620	8	117	deposited	deposit	VERB
ajbmeb-620	8	118	by	by	ADP
ajbmeb-620	8	119	persons	person	NOUN
ajbmeb-620	8	120	and	and	CCONJ
ajbmeb-620	8	121	institutions	institution	NOUN
ajbmeb-620	8	122	with	with	ADP
ajbmeb-620	8	123	commercial	commercial	ADJ
ajbmeb-620	8	124	banks	bank	NOUN
ajbmeb-620	8	125	for	for	ADP
ajbmeb-620	8	126	the	the	DET
ajbmeb-620	8	127	purpose	purpose	NOUN
ajbmeb-620	8	128	of	of	ADP
ajbmeb-620	8	129	safety	safety	NOUN
ajbmeb-620	8	130	and	and	CCONJ
ajbmeb-620	8	131	often	often	ADV
ajbmeb-620	8	132	with	with	ADP
ajbmeb-620	8	133	the	the	DET
ajbmeb-620	8	134	aim	aim	NOUN
ajbmeb-620	8	135	of	of	ADP
ajbmeb-620	8	136	obtaining	obtain	VERB
ajbmeb-620	8	137	interest	interest	NOUN
ajbmeb-620	8	138	and	and	CCONJ
ajbmeb-620	8	139	deposits	deposit	NOUN
ajbmeb-620	8	140	are	be	AUX
ajbmeb-620	8	141	one	one	NUM
ajbmeb-620	8	142	of	of	ADP
ajbmeb-620	8	143	the	the	DET
ajbmeb-620	8	144	basic	basic	ADJ
ajbmeb-620	8	145	banking	banking	NOUN
ajbmeb-620	8	146	business	business	NOUN
ajbmeb-620	8	147	to	to	PART
ajbmeb-620	8	148	perform	perform	VERB
ajbmeb-620	8	149	other	other	ADJ
ajbmeb-620	8	150	banking	banking	NOUN
ajbmeb-620	8	151	activities	activity	NOUN
ajbmeb-620	8	152	such	such	ADJ
ajbmeb-620	8	153	as	as	ADP
ajbmeb-620	8	154	(	(	PUNCT
ajbmeb-620	8	155	lending	lending	NOUN
ajbmeb-620	8	156	and	and	CCONJ
ajbmeb-620	8	157	investment	investment	NOUN
ajbmeb-620	8	158	)	)	PUNCT
ajbmeb-620	8	159	and	and	CCONJ
ajbmeb-620	8	160	the	the	DET
ajbmeb-620	8	161	deposit	deposit	NOUN
ajbmeb-620	8	162	system	system	NOUN
ajbmeb-620	8	163	depends	depend	VERB
ajbmeb-620	8	164	on	on	ADP
ajbmeb-620	8	165	the	the	DET
ajbmeb-620	8	166	confidence	confidence	NOUN
ajbmeb-620	8	167	of	of	ADP
ajbmeb-620	8	168	the	the	DET
ajbmeb-620	8	169	public	public	ADJ
ajbmeb-620	8	170	banking	banking	NOUN
ajbmeb-620	8	171	(	(	PUNCT
ajbmeb-620	8	172	abdul	abdul	PROPN
ajbmeb-620	8	173	hamid	hamid	PROPN
ajbmeb-620	8	174	,	,	PUNCT
ajbmeb-620	8	175	2010	2010	NUM
ajbmeb-620	8	176	:	:	PUNCT
ajbmeb-620	9	1	51	51	NUM
ajbmeb-620	9	2	)	)	PUNCT
ajbmeb-620	9	3	it	it	PRON
ajbmeb-620	9	4	is	be	AUX
ajbmeb-620	9	5	one	one	NUM
ajbmeb-620	9	6	of	of	ADP
ajbmeb-620	9	7	the	the	DET
ajbmeb-620	9	8	most	most	ADV
ajbmeb-620	9	9	important	important	ADJ
ajbmeb-620	9	10	sources	source	NOUN
ajbmeb-620	9	11	of	of	ADP
ajbmeb-620	9	12	financing	financing	NOUN
ajbmeb-620	9	13	for	for	ADP
ajbmeb-620	9	14	banks	bank	NOUN
ajbmeb-620	9	15	that	that	PRON
ajbmeb-620	9	16	achieve	achieve	VERB
ajbmeb-620	9	17	profits	profit	NOUN
ajbmeb-620	9	18	,	,	PUNCT
ajbmeb-620	9	19	so	so	SCONJ
ajbmeb-620	9	20	banks	bank	NOUN
ajbmeb-620	9	21	compete	compete	VERB
ajbmeb-620	9	22	to	to	PART
ajbmeb-620	9	23	attract	attract	VERB
ajbmeb-620	9	24	deposits	deposit	NOUN
ajbmeb-620	9	25	by	by	ADP
ajbmeb-620	9	26	various	various	ADJ
ajbmeb-620	9	27	means	mean	NOUN
ajbmeb-620	9	28	(	(	PUNCT
ajbmeb-620	9	29	good	good	ADJ
ajbmeb-620	9	30	,	,	PUNCT
ajbmeb-620	9	31	2011	2011	NUM
ajbmeb-620	9	32	:	:	PUNCT
ajbmeb-620	9	33	18	18	NUM
ajbmeb-620	9	34	)	)	PUNCT
ajbmeb-620	9	35	2.1	2.1	NUM
ajbmeb-620	9	36	types	type	NOUN
ajbmeb-620	9	37	of	of	ADP
ajbmeb-620	9	38	bank	bank	NOUN
ajbmeb-620	9	39	deposits	deposit	NOUN
ajbmeb-620	9	40	deposits	deposit	NOUN
ajbmeb-620	9	41	are	be	AUX
ajbmeb-620	9	42	classified	classify	VERB
ajbmeb-620	9	43	according	accord	VERB
ajbmeb-620	9	44	to	to	ADP
ajbmeb-620	9	45	different	different	ADJ
ajbmeb-620	9	46	criteria	criterion	NOUN
ajbmeb-620	9	47	,	,	PUNCT
ajbmeb-620	9	48	including	include	VERB
ajbmeb-620	9	49	deposits	deposit	NOUN
ajbmeb-620	9	50	according	accord	VERB
ajbmeb-620	9	51	to	to	ADP
ajbmeb-620	9	52	maturity	maturity	NOUN
ajbmeb-620	9	53	,	,	PUNCT
ajbmeb-620	9	54	which	which	PRON
ajbmeb-620	9	55	can	can	AUX
ajbmeb-620	9	56	be	be	AUX
ajbmeb-620	9	57	classified	classify	VERB
ajbmeb-620	9	58	into	into	ADP
ajbmeb-620	9	59	:	:	PUNCT
ajbmeb-620	9	60	2.1.1	2.1.1	NUM
ajbmeb-620	9	61	time	time	NOUN
ajbmeb-620	9	62	deposits	deposit	NOUN
ajbmeb-620	9	63	under	under	ADP
ajbmeb-620	9	64	this	this	DET
ajbmeb-620	9	65	type	type	NOUN
ajbmeb-620	9	66	of	of	ADP
ajbmeb-620	9	67	deposit	deposit	NOUN
ajbmeb-620	9	68	,	,	PUNCT
ajbmeb-620	9	69	there	there	PRON
ajbmeb-620	9	70	is	be	VERB
ajbmeb-620	9	71	an	an	DET
ajbmeb-620	9	72	agreement	agreement	NOUN
ajbmeb-620	9	73	between	between	ADP
ajbmeb-620	9	74	the	the	DET
ajbmeb-620	9	75	bank	bank	NOUN
ajbmeb-620	9	76	and	and	CCONJ
ajbmeb-620	9	77	the	the	DET
ajbmeb-620	9	78	depositor	depositor	NOUN
ajbmeb-620	9	79	,	,	PUNCT
ajbmeb-620	9	80	where	where	SCONJ
ajbmeb-620	9	81	a	a	DET
ajbmeb-620	9	82	specific	specific	ADJ
ajbmeb-620	9	83	amount	amount	NOUN
ajbmeb-620	9	84	is	be	AUX
ajbmeb-620	9	85	deposited	deposit	VERB
ajbmeb-620	9	86	with	with	ADP
ajbmeb-620	9	87	the	the	DET
ajbmeb-620	9	88	bank	bank	NOUN
ajbmeb-620	9	89	,	,	PUNCT
ajbmeb-620	9	90	which	which	PRON
ajbmeb-620	9	91	it	it	PRON
ajbmeb-620	9	92	may	may	AUX
ajbmeb-620	9	93	not	not	PART
ajbmeb-620	9	94	withdraw	withdraw	VERB
ajbmeb-620	9	95	before	before	ADP
ajbmeb-620	9	96	a	a	DET
ajbmeb-620	9	97	certain	certain	ADJ
ajbmeb-620	9	98	date	date	NOUN
ajbmeb-620	9	99	,	,	PUNCT
ajbmeb-620	9	100	and	and	CCONJ
ajbmeb-620	9	101	the	the	DET
ajbmeb-620	9	102	bank	bank	NOUN
ajbmeb-620	9	103	also	also	ADV
ajbmeb-620	9	104	gives	give	VERB
ajbmeb-620	9	105	its	its	PRON
ajbmeb-620	9	106	customer	customer	NOUN
ajbmeb-620	9	107	a	a	DET
ajbmeb-620	9	108	document	document	NOUN
ajbmeb-620	9	109	of	of	ADP
ajbmeb-620	9	110	the	the	DET
ajbmeb-620	9	111	deposited	deposit	VERB
ajbmeb-620	9	112	amount	amount	NOUN
ajbmeb-620	9	113	,	,	PUNCT
ajbmeb-620	9	114	and	and	CCONJ
ajbmeb-620	9	115	at	at	ADP
ajbmeb-620	9	116	the	the	DET
ajbmeb-620	9	117	end	end	NOUN
ajbmeb-620	9	118	of	of	ADP
ajbmeb-620	9	119	the	the	DET
ajbmeb-620	9	120	period	period	NOUN
ajbmeb-620	9	121	,	,	PUNCT
ajbmeb-620	9	122	the	the	DET
ajbmeb-620	9	123	customer	customer	NOUN
ajbmeb-620	9	124	submits	submit	VERB
ajbmeb-620	9	125	the	the	DET
ajbmeb-620	9	126	document	document	NOUN
ajbmeb-620	9	127	to	to	ADP
ajbmeb-620	9	128	the	the	DET
ajbmeb-620	9	129	bank	bank	NOUN
ajbmeb-620	9	130	and	and	CCONJ
ajbmeb-620	9	131	receives	receive	VERB
ajbmeb-620	9	132	the	the	DET
ajbmeb-620	9	133	amount	amount	NOUN
ajbmeb-620	9	134	plus	plus	CCONJ
ajbmeb-620	9	135	interest	interest	NOUN
ajbmeb-620	9	136	for	for	ADP
ajbmeb-620	9	137	the	the	DET
ajbmeb-620	9	138	said	say	VERB
ajbmeb-620	9	139	period	period	NOUN
ajbmeb-620	9	140	(	(	PUNCT
ajbmeb-620	9	141	rashid	rashid	PROPN
ajbmeb-620	9	142	,	,	PUNCT
ajbmeb-620	9	143	2009	2009	NUM
ajbmeb-620	9	144	:	:	PUNCT
ajbmeb-620	9	145	349	349	NUM
ajbmeb-620	9	146	)	)	PUNCT
ajbmeb-620	9	147	2.1.2	2.1.2	NUM
ajbmeb-620	9	148	deposits	deposit	NOUN
ajbmeb-620	9	149	with	with	ADP
ajbmeb-620	9	150	notices	notice	NOUN
ajbmeb-620	9	151	(	(	PUNCT
ajbmeb-620	9	152	notification	notification	NOUN
ajbmeb-620	9	153	)	)	PUNCT
ajbmeb-620	9	154	under	under	ADP
ajbmeb-620	9	155	this	this	DET
ajbmeb-620	9	156	type	type	NOUN
ajbmeb-620	9	157	,	,	PUNCT
ajbmeb-620	9	158	customers	customer	NOUN
ajbmeb-620	9	159	deposit	deposit	VERB
ajbmeb-620	9	160	their	their	PRON
ajbmeb-620	9	161	money	money	NOUN
ajbmeb-620	9	162	for	for	ADP
ajbmeb-620	9	163	different	different	ADJ
ajbmeb-620	9	164	purposes	purpose	NOUN
ajbmeb-620	9	165	such	such	ADJ
ajbmeb-620	9	166	as	as	ADP
ajbmeb-620	9	167	investment	investment	NOUN
ajbmeb-620	9	168	,	,	PUNCT
ajbmeb-620	9	169	as	as	SCONJ
ajbmeb-620	9	170	the	the	DET
ajbmeb-620	9	171	amounts	amount	NOUN
ajbmeb-620	9	172	deposited	deposit	VERB
ajbmeb-620	9	173	with	with	ADP
ajbmeb-620	9	174	the	the	DET
ajbmeb-620	9	175	bank	bank	NOUN
ajbmeb-620	9	176	without	without	ADP
ajbmeb-620	9	177	specifying	specify	VERB
ajbmeb-620	9	178	a	a	DET
ajbmeb-620	9	179	specific	specific	ADJ
ajbmeb-620	9	180	period	period	NOUN
ajbmeb-620	9	181	,	,	PUNCT
ajbmeb-620	9	182	but	but	CCONJ
ajbmeb-620	9	183	the	the	DET
ajbmeb-620	9	184	withdrawal	withdrawal	NOUN
ajbmeb-620	9	185	requires	require	VERB
ajbmeb-620	9	186	submitting	submit	VERB
ajbmeb-620	9	187	a	a	DET
ajbmeb-620	9	188	written	write	VERB
ajbmeb-620	9	189	request	request	NOUN
ajbmeb-620	9	190	after	after	ADP
ajbmeb-620	9	191	a	a	DET
ajbmeb-620	9	192	predetermined	predetermined	ADJ
ajbmeb-620	9	193	period	period	NOUN
ajbmeb-620	9	194	to	to	PART
ajbmeb-620	9	195	be	be	AUX
ajbmeb-620	9	196	agreed	agree	VERB
ajbmeb-620	9	197	upon	upon	SCONJ
ajbmeb-620	9	198	with	with	ADP
ajbmeb-620	9	199	the	the	DET
ajbmeb-620	9	200	bank	bank	NOUN
ajbmeb-620	9	201	in	in	ADP
ajbmeb-620	9	202	implementation	implementation	NOUN
ajbmeb-620	9	203	of	of	ADP
ajbmeb-620	9	204	the	the	DET
ajbmeb-620	9	205	customer	customer	NOUN
ajbmeb-620	9	206	's	's	PART
ajbmeb-620	9	207	desire	desire	NOUN
ajbmeb-620	9	208	,	,	PUNCT
ajbmeb-620	9	209	and	and	CCONJ
ajbmeb-620	9	210	the	the	DET
ajbmeb-620	9	211	owners	owner	NOUN
ajbmeb-620	9	212	of	of	ADP
ajbmeb-620	9	213	these	these	DET
ajbmeb-620	9	214	deposits	deposit	NOUN
ajbmeb-620	9	215	charge	charge	VERB
ajbmeb-620	9	216	interest	interest	NOUN
ajbmeb-620	9	217	on	on	ADP
ajbmeb-620	9	218	their	their	PRON
ajbmeb-620	9	219	deposits	deposit	NOUN
ajbmeb-620	9	220	at	at	ADP
ajbmeb-620	9	221	rates	rate	NOUN
ajbmeb-620	9	222	close	close	ADJ
ajbmeb-620	9	223	to	to	ADP
ajbmeb-620	9	224	interest	interest	NOUN
ajbmeb-620	9	225	rates	rate	NOUN
ajbmeb-620	9	226	on	on	ADP
ajbmeb-620	9	227	term	term	NOUN
ajbmeb-620	9	228	deposits	deposit	NOUN
ajbmeb-620	9	229	according	accord	VERB
ajbmeb-620	9	230	to	to	ADP
ajbmeb-620	9	231	competition	competition	NOUN
ajbmeb-620	9	232	between	between	ADP
ajbmeb-620	9	233	banks	bank	NOUN
ajbmeb-620	9	234	and	and	CCONJ
ajbmeb-620	9	235	the	the	DET
ajbmeb-620	9	236	term	term	NOUN
ajbmeb-620	9	237	of	of	ADP
ajbmeb-620	9	238	the	the	DET
ajbmeb-620	9	239	deposit	deposit	NOUN
ajbmeb-620	9	240	(	(	PUNCT
ajbmeb-620	9	241	abdullah	abdullah	PROPN
ajbmeb-620	9	242	,	,	PUNCT
ajbmeb-620	9	243	2009	2009	NUM
ajbmeb-620	9	244	:	:	PUNCT
ajbmeb-620	9	245	130	130	NUM
ajbmeb-620	9	246	)	)	PUNCT
ajbmeb-620	9	247	american	american	ADJ
ajbmeb-620	9	248	journal	journal	PROPN
ajbmeb-620	9	249	of	of	ADP
ajbmeb-620	9	250	business	business	NOUN
ajbmeb-620	9	251	management	management	NOUN
ajbmeb-620	9	252	,	,	PUNCT
ajbmeb-620	9	253	economics	economic	NOUN
ajbmeb-620	9	254	and	and	CCONJ
ajbmeb-620	9	255	banking	banking	NOUN
ajbmeb-620	9	256	volume	volume	NOUN
ajbmeb-620	9	257	11	11	NUM
ajbmeb-620	9	258	april	april	PROPN
ajbmeb-620	9	259	,	,	PUNCT
ajbmeb-620	9	260	2023	2023	NUM
ajbmeb-620	9	261	p	p	NOUN
ajbmeb-620	9	262	a	a	PRON
ajbmeb-620	9	263	g	g	NOUN
ajbmeb-620	9	264	e	e	NOUN
ajbmeb-620	9	265	|	|	ADV
ajbmeb-620	9	266	69	69	NUM
ajbmeb-620	9	267	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-620	9	268	2.1.3	2.1.3	NUM
ajbmeb-620	9	269	savings	saving	NOUN
ajbmeb-620	9	270	deposits	deposit	NOUN
ajbmeb-620	9	271	under	under	ADP
ajbmeb-620	9	272	these	these	DET
ajbmeb-620	9	273	deposits	deposit	NOUN
ajbmeb-620	9	274	,	,	PUNCT
ajbmeb-620	9	275	an	an	DET
ajbmeb-620	9	276	agreement	agreement	NOUN
ajbmeb-620	9	277	is	be	AUX
ajbmeb-620	9	278	made	make	VERB
ajbmeb-620	9	279	between	between	ADP
ajbmeb-620	9	280	the	the	DET
ajbmeb-620	9	281	bank	bank	NOUN
ajbmeb-620	9	282	and	and	CCONJ
ajbmeb-620	9	283	the	the	DET
ajbmeb-620	9	284	customer	customer	NOUN
ajbmeb-620	9	285	to	to	PART
ajbmeb-620	9	286	deposit	deposit	VERB
ajbmeb-620	9	287	an	an	DET
ajbmeb-620	9	288	amount	amount	NOUN
ajbmeb-620	9	289	of	of	ADP
ajbmeb-620	9	290	water	water	NOUN
ajbmeb-620	9	291	to	to	PART
ajbmeb-620	9	292	obtain	obtain	VERB
ajbmeb-620	9	293	interest	interest	NOUN
ajbmeb-620	9	294	,	,	PUNCT
ajbmeb-620	9	295	and	and	CCONJ
ajbmeb-620	9	296	the	the	DET
ajbmeb-620	9	297	customer	customer	NOUN
ajbmeb-620	9	298	has	have	VERB
ajbmeb-620	9	299	the	the	DET
ajbmeb-620	9	300	right	right	NOUN
ajbmeb-620	9	301	to	to	PART
ajbmeb-620	9	302	withdraw	withdraw	VERB
ajbmeb-620	9	303	the	the	DET
ajbmeb-620	9	304	deposit	deposit	NOUN
ajbmeb-620	9	305	at	at	ADP
ajbmeb-620	9	306	any	any	DET
ajbmeb-620	9	307	time	time	NOUN
ajbmeb-620	9	308	without	without	ADP
ajbmeb-620	9	309	prior	prior	ADJ
ajbmeb-620	9	310	notification	notification	NOUN
ajbmeb-620	9	311	,	,	PUNCT
ajbmeb-620	9	312	and	and	CCONJ
ajbmeb-620	9	313	savings	saving	NOUN
ajbmeb-620	9	314	deposits	deposit	NOUN
ajbmeb-620	9	315	are	be	AUX
ajbmeb-620	9	316	mainly	mainly	ADV
ajbmeb-620	9	317	targeted	target	VERB
ajbmeb-620	9	318	at	at	ADP
ajbmeb-620	9	319	professionals	professional	NOUN
ajbmeb-620	9	320	and	and	CCONJ
ajbmeb-620	9	321	middle	middle	ADJ
ajbmeb-620	9	322	-	-	PUNCT
ajbmeb-620	9	323	income	income	NOUN
ajbmeb-620	9	324	customers	customer	NOUN
ajbmeb-620	9	325	to	to	PART
ajbmeb-620	9	326	help	help	VERB
ajbmeb-620	9	327	them	they	PRON
ajbmeb-620	9	328	deposit	deposit	VERB
ajbmeb-620	9	329	their	their	PRON
ajbmeb-620	9	330	small	small	ADJ
ajbmeb-620	9	331	savings	saving	NOUN
ajbmeb-620	9	332	,	,	PUNCT
ajbmeb-620	9	333	and	and	CCONJ
ajbmeb-620	9	334	it	it	PRON
ajbmeb-620	9	335	is	be	AUX
ajbmeb-620	9	336	characterized	characterize	VERB
ajbmeb-620	9	337	by	by	ADP
ajbmeb-620	9	338	ease	ease	NOUN
ajbmeb-620	9	339	of	of	ADP
ajbmeb-620	9	340	opening	open	VERB
ajbmeb-620	9	341	an	an	DET
ajbmeb-620	9	342	account	account	NOUN
ajbmeb-620	9	343	and	and	CCONJ
ajbmeb-620	9	344	the	the	DET
ajbmeb-620	9	345	possibility	possibility	NOUN
ajbmeb-620	9	346	of	of	ADP
ajbmeb-620	9	347	depositing	deposit	VERB
ajbmeb-620	9	348	at	at	ADP
ajbmeb-620	9	349	any	any	DET
ajbmeb-620	9	350	time	time	NOUN
ajbmeb-620	9	351	(	(	PUNCT
ajbmeb-620	9	352	somashekar	somashekar	NOUN
ajbmeb-620	9	353	,	,	PUNCT
ajbmeb-620	9	354	2009	2009	NUM
ajbmeb-620	9	355	:	:	PUNCT
ajbmeb-620	9	356	5	5	X
ajbmeb-620	9	357	)	)	PUNCT
ajbmeb-620	9	358	3the	3the	DET
ajbmeb-620	9	359	concept	concept	NOUN
ajbmeb-620	9	360	of	of	ADP
ajbmeb-620	9	361	bank	bank	NOUN
ajbmeb-620	9	362	credit	credit	NOUN
ajbmeb-620	9	363	credit	credit	NOUN
ajbmeb-620	9	364	is	be	AUX
ajbmeb-620	9	365	defined	define	VERB
ajbmeb-620	9	366	as	as	ADP
ajbmeb-620	9	367	the	the	DET
ajbmeb-620	9	368	granting	granting	NOUN
ajbmeb-620	9	369	of	of	ADP
ajbmeb-620	9	370	an	an	DET
ajbmeb-620	9	371	amount	amount	NOUN
ajbmeb-620	9	372	of	of	ADP
ajbmeb-620	9	373	money	money	NOUN
ajbmeb-620	9	374	to	to	ADP
ajbmeb-620	9	375	a	a	DET
ajbmeb-620	9	376	person	person	NOUN
ajbmeb-620	9	377	,	,	PUNCT
ajbmeb-620	9	378	whether	whether	SCONJ
ajbmeb-620	9	379	an	an	DET
ajbmeb-620	9	380	individual	individual	NOUN
ajbmeb-620	9	381	or	or	CCONJ
ajbmeb-620	9	382	a	a	DET
ajbmeb-620	9	383	business	business	NOUN
ajbmeb-620	9	384	company	company	NOUN
ajbmeb-620	9	385	,	,	PUNCT
ajbmeb-620	9	386	to	to	PART
ajbmeb-620	9	387	be	be	AUX
ajbmeb-620	9	388	used	use	VERB
ajbmeb-620	9	389	for	for	ADP
ajbmeb-620	9	390	a	a	DET
ajbmeb-620	9	391	specific	specific	ADJ
ajbmeb-620	9	392	purpose	purpose	NOUN
ajbmeb-620	9	393	and	and	CCONJ
ajbmeb-620	9	394	within	within	ADP
ajbmeb-620	9	395	a	a	DET
ajbmeb-620	9	396	pre	pre	ADJ
ajbmeb-620	9	397	-	-	ADJ
ajbmeb-620	9	398	agreed	agreed	ADJ
ajbmeb-620	9	399	period	period	NOUN
ajbmeb-620	9	400	of	of	ADP
ajbmeb-620	9	401	time	time	NOUN
ajbmeb-620	9	402	and	and	CCONJ
ajbmeb-620	9	403	under	under	ADP
ajbmeb-620	9	404	certain	certain	ADJ
ajbmeb-620	9	405	conditions	condition	NOUN
ajbmeb-620	9	406	in	in	ADP
ajbmeb-620	9	407	return	return	NOUN
ajbmeb-620	9	408	for	for	ADP
ajbmeb-620	9	409	a	a	DET
ajbmeb-620	9	410	material	material	NOUN
ajbmeb-620	9	411	return	return	NOUN
ajbmeb-620	9	412	and	and	CCONJ
ajbmeb-620	9	413	guarantees	guarantee	NOUN
ajbmeb-620	9	414	that	that	PRON
ajbmeb-620	9	415	enable	enable	VERB
ajbmeb-620	9	416	the	the	DET
ajbmeb-620	9	417	bank	bank	NOUN
ajbmeb-620	9	418	to	to	PART
ajbmeb-620	9	419	recover	recover	VERB
ajbmeb-620	9	420	its	its	PRON
ajbmeb-620	9	421	loan	loan	NOUN
ajbmeb-620	9	422	in	in	ADP
ajbmeb-620	9	423	the	the	DET
ajbmeb-620	9	424	event	event	NOUN
ajbmeb-620	9	425	that	that	SCONJ
ajbmeb-620	9	426	the	the	DET
ajbmeb-620	9	427	customer	customer	NOUN
ajbmeb-620	9	428	stops	stop	VERB
ajbmeb-620	9	429	paying	pay	VERB
ajbmeb-620	9	430	(	(	PUNCT
ajbmeb-620	9	431	khatib	khatib	PROPN
ajbmeb-620	9	432	,	,	PUNCT
ajbmeb-620	9	433	2004	2004	NUM
ajbmeb-620	9	434	:	:	PUNCT
ajbmeb-620	10	1	4	4	NUM
ajbmeb-620	10	2	)	)	PUNCT
ajbmeb-620	10	3	.	.	PUNCT
ajbmeb-620	11	1	it	it	PRON
ajbmeb-620	11	2	is	be	AUX
ajbmeb-620	11	3	also	also	ADV
ajbmeb-620	11	4	defined	define	VERB
ajbmeb-620	11	5	as	as	ADP
ajbmeb-620	11	6	the	the	DET
ajbmeb-620	11	7	supply	supply	NOUN
ajbmeb-620	11	8	of	of	ADP
ajbmeb-620	11	9	money	money	NOUN
ajbmeb-620	11	10	from	from	ADP
ajbmeb-620	11	11	the	the	DET
ajbmeb-620	11	12	bank	bank	NOUN
ajbmeb-620	11	13	to	to	ADP
ajbmeb-620	11	14	the	the	DET
ajbmeb-620	11	15	borrower	borrower	NOUN
ajbmeb-620	11	16	in	in	ADP
ajbmeb-620	11	17	the	the	DET
ajbmeb-620	11	18	form	form	NOUN
ajbmeb-620	11	19	of	of	ADP
ajbmeb-620	11	20	loans	loan	NOUN
ajbmeb-620	11	21	to	to	ADP
ajbmeb-620	11	22	an	an	DET
ajbmeb-620	11	23	individual	individual	ADJ
ajbmeb-620	11	24	,	,	PUNCT
ajbmeb-620	11	25	government	government	NOUN
ajbmeb-620	11	26	,	,	PUNCT
ajbmeb-620	11	27	or	or	CCONJ
ajbmeb-620	11	28	organization	organization	NOUN
ajbmeb-620	11	29	(	(	PUNCT
ajbmeb-620	11	30	josephine	josephine	PROPN
ajbmeb-620	11	31	,	,	PUNCT
ajbmeb-620	11	32	2010:46	2010:46	NUM
ajbmeb-620	11	33	)	)	PUNCT
ajbmeb-620	11	34	.	.	PUNCT
ajbmeb-620	12	1	bank	bank	NOUN
ajbmeb-620	12	2	credit	credit	NOUN
ajbmeb-620	12	3	is	be	AUX
ajbmeb-620	12	4	the	the	DET
ajbmeb-620	12	5	trust	trust	NOUN
ajbmeb-620	12	6	that	that	SCONJ
ajbmeb-620	12	7	a	a	DET
ajbmeb-620	12	8	bank	bank	NOUN
ajbmeb-620	12	9	gives	give	VERB
ajbmeb-620	12	10	to	to	ADP
ajbmeb-620	12	11	a	a	DET
ajbmeb-620	12	12	customer	customer	NOUN
ajbmeb-620	12	13	when	when	SCONJ
ajbmeb-620	12	14	it	it	PRON
ajbmeb-620	12	15	puts	put	VERB
ajbmeb-620	12	16	at	at	ADP
ajbmeb-620	12	17	its	its	PRON
ajbmeb-620	12	18	disposal	disposal	NOUN
ajbmeb-620	12	19	a	a	DET
ajbmeb-620	12	20	sum	sum	NOUN
ajbmeb-620	12	21	of	of	ADP
ajbmeb-620	12	22	money	money	NOUN
ajbmeb-620	12	23	for	for	ADP
ajbmeb-620	12	24	use	use	NOUN
ajbmeb-620	12	25	in	in	ADP
ajbmeb-620	12	26	specific	specific	ADJ
ajbmeb-620	12	27	areas	area	NOUN
ajbmeb-620	12	28	and	and	CCONJ
ajbmeb-620	12	29	for	for	ADP
ajbmeb-620	12	30	an	an	DET
ajbmeb-620	12	31	agreed	agree	VERB
ajbmeb-620	12	32	period	period	NOUN
ajbmeb-620	12	33	(	(	PUNCT
ajbmeb-620	12	34	abdul	abdul	PROPN
ajbmeb-620	12	35	hamid	hamid	PROPN
ajbmeb-620	12	36	,	,	PUNCT
ajbmeb-620	12	37	2007	2007	NUM
ajbmeb-620	12	38	:	:	PUNCT
ajbmeb-620	12	39	144	144	NUM
ajbmeb-620	12	40	)	)	PUNCT
ajbmeb-620	12	41	.	.	PUNCT
ajbmeb-620	13	1	bank	bank	NOUN
ajbmeb-620	13	2	loans	loan	NOUN
ajbmeb-620	13	3	are	be	AUX
ajbmeb-620	13	4	classified	classify	VERB
ajbmeb-620	13	5	according	accord	VERB
ajbmeb-620	13	6	to	to	ADP
ajbmeb-620	13	7	activity	activity	NOUN
ajbmeb-620	13	8	or	or	CCONJ
ajbmeb-620	13	9	purpose	purpose	NOUN
ajbmeb-620	13	10	(	(	PUNCT
ajbmeb-620	13	11	consumer	consumer	NOUN
ajbmeb-620	13	12	,	,	PUNCT
ajbmeb-620	13	13	productive	productive	ADJ
ajbmeb-620	13	14	,	,	PUNCT
ajbmeb-620	13	15	and	and	CCONJ
ajbmeb-620	13	16	investment	investment	NOUN
ajbmeb-620	13	17	loans	loan	NOUN
ajbmeb-620	13	18	)	)	PUNCT
ajbmeb-620	13	19	,	,	PUNCT
ajbmeb-620	13	20	according	accord	VERB
ajbmeb-620	13	21	to	to	ADP
ajbmeb-620	13	22	collateral	collateral	NOUN
ajbmeb-620	13	23	(	(	PUNCT
ajbmeb-620	13	24	guaranteed	guarantee	VERB
ajbmeb-620	13	25	,	,	PUNCT
ajbmeb-620	13	26	unsecured	unsecured	ADJ
ajbmeb-620	13	27	)	)	PUNCT
ajbmeb-620	13	28	and	and	CCONJ
ajbmeb-620	13	29	according	accord	VERB
ajbmeb-620	13	30	to	to	ADP
ajbmeb-620	13	31	the	the	DET
ajbmeb-620	13	32	term	term	NOUN
ajbmeb-620	13	33	(	(	PUNCT
ajbmeb-620	13	34	short	short	ADJ
ajbmeb-620	13	35	,	,	PUNCT
ajbmeb-620	13	36	long	long	ADJ
ajbmeb-620	13	37	-	-	PUNCT
ajbmeb-620	13	38	term	term	NOUN
ajbmeb-620	13	39	)	)	PUNCT
ajbmeb-620	13	40	(	(	PUNCT
ajbmeb-620	13	41	bouatros	bouatro	NOUN
ajbmeb-620	13	42	,	,	PUNCT
ajbmeb-620	13	43	2000:41	2000:41	NUM
ajbmeb-620	13	44	)	)	PUNCT
ajbmeb-620	13	45	.	.	PUNCT
ajbmeb-620	14	1	the	the	DET
ajbmeb-620	14	2	importance	importance	NOUN
ajbmeb-620	14	3	of	of	ADP
ajbmeb-620	14	4	granting	grant	VERB
ajbmeb-620	14	5	credit	credit	NOUN
ajbmeb-620	14	6	to	to	ADP
ajbmeb-620	14	7	projects	project	NOUN
ajbmeb-620	14	8	for	for	ADP
ajbmeb-620	14	9	the	the	DET
ajbmeb-620	14	10	purposes	purpose	NOUN
ajbmeb-620	14	11	of	of	ADP
ajbmeb-620	14	12	expansion	expansion	NOUN
ajbmeb-620	14	13	or	or	CCONJ
ajbmeb-620	14	14	making	make	VERB
ajbmeb-620	14	15	new	new	ADJ
ajbmeb-620	14	16	investments	investment	NOUN
ajbmeb-620	14	17	in	in	ADP
ajbmeb-620	14	18	order	order	NOUN
ajbmeb-620	14	19	to	to	PART
ajbmeb-620	14	20	achieve	achieve	VERB
ajbmeb-620	14	21	the	the	DET
ajbmeb-620	14	22	goals	goal	NOUN
ajbmeb-620	14	23	of	of	ADP
ajbmeb-620	14	24	economic	economic	ADJ
ajbmeb-620	14	25	development	development	NOUN
ajbmeb-620	14	26	that	that	PRON
ajbmeb-620	14	27	contribute	contribute	VERB
ajbmeb-620	14	28	to	to	ADP
ajbmeb-620	14	29	increasing	increase	VERB
ajbmeb-620	14	30	production	production	NOUN
ajbmeb-620	14	31	and	and	CCONJ
ajbmeb-620	14	32	providing	provide	VERB
ajbmeb-620	14	33	employment	employment	NOUN
ajbmeb-620	14	34	opportunities	opportunity	NOUN
ajbmeb-620	14	35	in	in	ADP
ajbmeb-620	14	36	society	society	NOUN
ajbmeb-620	14	37	(	(	PUNCT
ajbmeb-620	14	38	ademuv	ademuv	PROPN
ajbmeb-620	14	39	,	,	PUNCT
ajbmeb-620	14	40	a.	a.	NOUN
ajbmeb-620	14	41	,	,	PUNCT
ajbmeb-620	14	42	2006	2006	NUM
ajbmeb-620	14	43	:	:	PUNCT
ajbmeb-620	14	44	8)	8)	NUM
ajbmeb-620	14	45	.	.	PUNCT
ajbmeb-620	15	1	various	various	ADJ
ajbmeb-620	15	2	economic	economic	ADJ
ajbmeb-620	15	3	activities	activity	NOUN
ajbmeb-620	15	4	receive	receive	VERB
ajbmeb-620	15	5	credit	credit	NOUN
ajbmeb-620	15	6	to	to	PART
ajbmeb-620	15	7	enable	enable	VERB
ajbmeb-620	15	8	them	they	PRON
ajbmeb-620	15	9	to	to	PART
ajbmeb-620	15	10	meet	meet	VERB
ajbmeb-620	15	11	operating	operating	NOUN
ajbmeb-620	15	12	expenses	expense	NOUN
ajbmeb-620	15	13	for	for	ADP
ajbmeb-620	15	14	the	the	DET
ajbmeb-620	15	15	purchase	purchase	NOUN
ajbmeb-620	15	16	of	of	ADP
ajbmeb-620	15	17	machinery	machinery	NOUN
ajbmeb-620	15	18	and	and	CCONJ
ajbmeb-620	15	19	equipment	equipment	NOUN
ajbmeb-620	15	20	.	.	PUNCT
ajbmeb-620	16	1	government	government	NOUN
ajbmeb-620	16	2	agencies	agency	NOUN
ajbmeb-620	16	3	receive	receive	VERB
ajbmeb-620	16	4	credit	credit	NOUN
ajbmeb-620	16	5	for	for	ADP
ajbmeb-620	16	6	capital	capital	NOUN
ajbmeb-620	16	7	expenditures	expenditure	NOUN
ajbmeb-620	16	8	(	(	PUNCT
ajbmeb-620	16	9	adeniyi	adeniyi	ADV
ajbmeb-620	16	10	,	,	PUNCT
ajbmeb-620	16	11	2006:6	2006:6	NUM
ajbmeb-620	16	12	)	)	PUNCT
ajbmeb-620	16	13	.	.	PUNCT
ajbmeb-620	17	1	the	the	DET
ajbmeb-620	17	2	bank	bank	NOUN
ajbmeb-620	17	3	's	's	PART
ajbmeb-620	17	4	credit	credit	NOUN
ajbmeb-620	17	5	policy	policy	NOUN
ajbmeb-620	17	6	,	,	PUNCT
ajbmeb-620	17	7	which	which	PRON
ajbmeb-620	17	8	is	be	AUX
ajbmeb-620	17	9	set	set	VERB
ajbmeb-620	17	10	by	by	ADP
ajbmeb-620	17	11	the	the	DET
ajbmeb-620	17	12	senior	senior	ADJ
ajbmeb-620	17	13	management	management	NOUN
ajbmeb-620	17	14	of	of	ADP
ajbmeb-620	17	15	the	the	DET
ajbmeb-620	17	16	bank	bank	NOUN
ajbmeb-620	17	17	,	,	PUNCT
ajbmeb-620	17	18	has	have	VERB
ajbmeb-620	17	19	a	a	DET
ajbmeb-620	17	20	major	major	ADJ
ajbmeb-620	17	21	role	role	NOUN
ajbmeb-620	17	22	in	in	ADP
ajbmeb-620	17	23	directing	direct	VERB
ajbmeb-620	17	24	credit	credit	NOUN
ajbmeb-620	17	25	,	,	PUNCT
ajbmeb-620	17	26	according	accord	VERB
ajbmeb-620	17	27	to	to	ADP
ajbmeb-620	17	28	which	which	PRON
ajbmeb-620	17	29	the	the	DET
ajbmeb-620	17	30	areas	area	NOUN
ajbmeb-620	17	31	of	of	ADP
ajbmeb-620	17	32	use	use	NOUN
ajbmeb-620	17	33	of	of	ADP
ajbmeb-620	17	34	funds	fund	NOUN
ajbmeb-620	17	35	intended	intend	VERB
ajbmeb-620	17	36	for	for	ADP
ajbmeb-620	17	37	lending	lending	NOUN
ajbmeb-620	17	38	are	be	AUX
ajbmeb-620	17	39	determined	determine	VERB
ajbmeb-620	17	40	according	accord	VERB
ajbmeb-620	17	41	to	to	ADP
ajbmeb-620	17	42	specific	specific	ADJ
ajbmeb-620	17	43	rules	rule	NOUN
ajbmeb-620	17	44	and	and	CCONJ
ajbmeb-620	17	45	conditions	condition	NOUN
ajbmeb-620	17	46	and	and	CCONJ
ajbmeb-620	17	47	guarantees	guarantee	NOUN
ajbmeb-620	17	48	for	for	ADP
ajbmeb-620	17	49	the	the	DET
ajbmeb-620	17	50	safety	safety	NOUN
ajbmeb-620	17	51	of	of	ADP
ajbmeb-620	17	52	the	the	DET
ajbmeb-620	17	53	loan	loan	NOUN
ajbmeb-620	17	54	,	,	PUNCT
ajbmeb-620	17	55	which	which	PRON
ajbmeb-620	17	56	aims	aim	VERB
ajbmeb-620	17	57	to	to	PART
ajbmeb-620	17	58	achieve	achieve	VERB
ajbmeb-620	17	59	returns	return	NOUN
ajbmeb-620	17	60	(	(	PUNCT
ajbmeb-620	17	61	al	al	PROPN
ajbmeb-620	17	62	-	-	PUNCT
ajbmeb-620	17	63	ali	ali	PROPN
ajbmeb-620	17	64	,	,	PUNCT
ajbmeb-620	17	65	2013	2013	NUM
ajbmeb-620	17	66	:	:	PUNCT
ajbmeb-620	17	67	149	149	NUM
ajbmeb-620	17	68	)	)	PUNCT
ajbmeb-620	17	69	and	and	CCONJ
ajbmeb-620	17	70	it	it	PRON
ajbmeb-620	17	71	also	also	ADV
ajbmeb-620	17	72	contributes	contribute	VERB
ajbmeb-620	17	73	to	to	ADP
ajbmeb-620	17	74	planning	planning	NOUN
ajbmeb-620	17	75	and	and	CCONJ
ajbmeb-620	17	76	controlling	control	VERB
ajbmeb-620	17	77	goals	goal	NOUN
ajbmeb-620	17	78	,	,	PUNCT
ajbmeb-620	17	79	as	as	SCONJ
ajbmeb-620	17	80	their	their	PRON
ajbmeb-620	17	81	absence	absence	NOUN
ajbmeb-620	17	82	leads	lead	VERB
ajbmeb-620	17	83	to	to	ADP
ajbmeb-620	17	84	differences	difference	NOUN
ajbmeb-620	17	85	in	in	ADP
ajbmeb-620	17	86	the	the	DET
ajbmeb-620	17	87	basis	basis	NOUN
ajbmeb-620	17	88	of	of	ADP
ajbmeb-620	17	89	decision	decision	NOUN
ajbmeb-620	17	90	-	-	PUNCT
ajbmeb-620	17	91	making	making	NOUN
ajbmeb-620	17	92	.	.	PUNCT
ajbmeb-620	18	1	therefore	therefore	ADV
ajbmeb-620	18	2	,	,	PUNCT
ajbmeb-620	18	3	the	the	DET
ajbmeb-620	18	4	credit	credit	NOUN
ajbmeb-620	18	5	policy	policy	NOUN
ajbmeb-620	18	6	must	must	AUX
ajbmeb-620	18	7	be	be	AUX
ajbmeb-620	18	8	clear	clear	ADJ
ajbmeb-620	18	9	and	and	CCONJ
ajbmeb-620	18	10	written	write	VERB
ajbmeb-620	18	11	for	for	ADP
ajbmeb-620	18	12	all	all	DET
ajbmeb-620	18	13	interested	interested	ADJ
ajbmeb-620	18	14	and	and	CCONJ
ajbmeb-620	18	15	stakeholders	stakeholder	NOUN
ajbmeb-620	18	16	(	(	PUNCT
ajbmeb-620	18	17	david	david	PROPN
ajbmeb-620	18	18	,	,	PUNCT
ajbmeb-620	18	19	charles	charles	PROPN
ajbmeb-620	18	20	,	,	PUNCT
ajbmeb-620	18	21	2001	2001	NUM
ajbmeb-620	18	22	:	:	PUNCT
ajbmeb-620	18	23	55	55	NUM
ajbmeb-620	18	24	)	)	PUNCT
ajbmeb-620	18	25	and	and	CCONJ
ajbmeb-620	18	26	the	the	DET
ajbmeb-620	18	27	credit	credit	NOUN
ajbmeb-620	18	28	policy	policy	NOUN
ajbmeb-620	18	29	specifies	specify	VERB
ajbmeb-620	18	30	a	a	DET
ajbmeb-620	18	31	review	review	NOUN
ajbmeb-620	18	32	of	of	ADP
ajbmeb-620	18	33	the	the	DET
ajbmeb-620	18	34	company	company	NOUN
ajbmeb-620	18	35	's	's	PART
ajbmeb-620	18	36	performance	performance	NOUN
ajbmeb-620	18	37	to	to	PART
ajbmeb-620	18	38	expand	expand	VERB
ajbmeb-620	18	39	the	the	DET
ajbmeb-620	18	40	extension	extension	NOUN
ajbmeb-620	18	41	of	of	ADP
ajbmeb-620	18	42	credit	credit	NOUN
ajbmeb-620	18	43	privileges	privilege	NOUN
ajbmeb-620	18	44	(	(	PUNCT
ajbmeb-620	18	45	franklin	franklin	PROPN
ajbmeb-620	18	46	,	,	PUNCT
ajbmeb-620	18	47	2010	2010	NUM
ajbmeb-620	18	48	:	:	PUNCT
ajbmeb-620	18	49	5	5	NUM
ajbmeb-620	18	50	)	)	PUNCT
ajbmeb-620	18	51	.	.	PUNCT
ajbmeb-620	19	1	4	4	NUM
ajbmeb-620	19	2	research	research	NOUN
ajbmeb-620	19	3	hypotheses	hypothesis	NOUN
ajbmeb-620	19	4	by	by	ADP
ajbmeb-620	19	5	relying	rely	VERB
ajbmeb-620	19	6	on	on	ADP
ajbmeb-620	19	7	the	the	DET
ajbmeb-620	19	8	research	research	NOUN
ajbmeb-620	19	9	outline	outline	NOUN
ajbmeb-620	19	10	and	and	CCONJ
ajbmeb-620	19	11	the	the	DET
ajbmeb-620	19	12	nature	nature	NOUN
ajbmeb-620	19	13	of	of	ADP
ajbmeb-620	19	14	the	the	DET
ajbmeb-620	19	15	relationship	relationship	NOUN
ajbmeb-620	19	16	between	between	ADP
ajbmeb-620	19	17	the	the	DET
ajbmeb-620	19	18	independent	independent	ADJ
ajbmeb-620	19	19	variable	variable	NOUN
ajbmeb-620	19	20	and	and	CCONJ
ajbmeb-620	19	21	the	the	DET
ajbmeb-620	19	22	dependent	dependent	ADJ
ajbmeb-620	19	23	variable	variable	NOUN
ajbmeb-620	19	24	,	,	PUNCT
ajbmeb-620	19	25	the	the	DET
ajbmeb-620	19	26	following	follow	VERB
ajbmeb-620	19	27	hypotheses	hypothesis	NOUN
ajbmeb-620	19	28	have	have	AUX
ajbmeb-620	19	29	been	be	AUX
ajbmeb-620	19	30	formulated	formulate	VERB
ajbmeb-620	19	31	:	:	PUNCT
ajbmeb-620	19	32	the	the	DET
ajbmeb-620	19	33	main	main	ADJ
ajbmeb-620	19	34	hypothesis	hypothesis	NOUN
ajbmeb-620	19	35	/	/	PUNCT
ajbmeb-620	19	36	there	there	PRON
ajbmeb-620	19	37	is	be	VERB
ajbmeb-620	19	38	a	a	DET
ajbmeb-620	19	39	relationship	relationship	NOUN
ajbmeb-620	19	40	between	between	ADP
ajbmeb-620	19	41	the	the	DET
ajbmeb-620	19	42	deposit	deposit	NOUN
ajbmeb-620	19	43	impact	impact	NOUN
ajbmeb-620	19	44	of	of	ADP
ajbmeb-620	19	45	credit	credit	NOUN
ajbmeb-620	19	46	banking	banking	NOUN
ajbmeb-620	19	47	5research	5research	NUM
ajbmeb-620	19	48	sample	sample	NOUN
ajbmeb-620	19	49	and	and	CCONJ
ajbmeb-620	19	50	tools	tool	NOUN
ajbmeb-620	19	51	a	a	DET
ajbmeb-620	19	52	sample	sample	NOUN
ajbmeb-620	19	53	of	of	ADP
ajbmeb-620	19	54	iraqi	iraqi	ADJ
ajbmeb-620	19	55	private	private	ADJ
ajbmeb-620	19	56	banks	bank	NOUN
ajbmeb-620	19	57	,	,	PUNCT
ajbmeb-620	19	58	which	which	DET
ajbmeb-620	19	59	number	number	NOUN
ajbmeb-620	19	60	(	(	PUNCT
ajbmeb-620	19	61	5	5	NUM
ajbmeb-620	19	62	)	)	PUNCT
ajbmeb-620	19	63	banks	bank	NOUN
ajbmeb-620	19	64	,	,	PUNCT
ajbmeb-620	19	65	was	be	AUX
ajbmeb-620	19	66	selected	select	VERB
ajbmeb-620	19	67	because	because	SCONJ
ajbmeb-620	19	68	they	they	PRON
ajbmeb-620	19	69	have	have	VERB
ajbmeb-620	19	70	shares	share	NOUN
ajbmeb-620	19	71	that	that	PRON
ajbmeb-620	19	72	are	be	AUX
ajbmeb-620	19	73	traded	trade	VERB
ajbmeb-620	19	74	in	in	ADP
ajbmeb-620	19	75	the	the	DET
ajbmeb-620	19	76	stock	stock	NOUN
ajbmeb-620	19	77	market	market	NOUN
ajbmeb-620	19	78	and	and	CCONJ
ajbmeb-620	19	79	have	have	VERB
ajbmeb-620	19	80	a	a	DET
ajbmeb-620	19	81	long	long	ADJ
ajbmeb-620	19	82	history	history	NOUN
ajbmeb-620	19	83	in	in	ADP
ajbmeb-620	19	84	the	the	DET
ajbmeb-620	19	85	field	field	NOUN
ajbmeb-620	19	86	of	of	ADP
ajbmeb-620	19	87	banking	banking	NOUN
ajbmeb-620	19	88	and	and	CCONJ
ajbmeb-620	19	89	have	have	AUX
ajbmeb-620	19	90	used	use	VERB
ajbmeb-620	19	91	financial	financial	ADJ
ajbmeb-620	19	92	and	and	CCONJ
ajbmeb-620	19	93	statistical	statistical	ADJ
ajbmeb-620	19	94	means	mean	NOUN
ajbmeb-620	19	95	to	to	PART
ajbmeb-620	19	96	determine	determine	VERB
ajbmeb-620	19	97	relationships	relationship	NOUN
ajbmeb-620	19	98	and	and	CCONJ
ajbmeb-620	19	99	test	test	NOUN
ajbmeb-620	19	100	hypotheses	hypothesis	NOUN
ajbmeb-620	19	101	,	,	PUNCT
ajbmeb-620	19	102	including	include	VERB
ajbmeb-620	19	103	(	(	PUNCT
ajbmeb-620	19	104	financial	financial	ADJ
ajbmeb-620	19	105	ratios	ratio	NOUN
ajbmeb-620	19	106	,	,	PUNCT
ajbmeb-620	19	107	and	and	CCONJ
ajbmeb-620	19	108	test	test	NOUN
ajbmeb-620	19	109	(	(	PUNCT
ajbmeb-620	19	110	f	f	NOUN
ajbmeb-620	19	111	)	)	PUNCT
ajbmeb-620	19	112	)	)	PUNCT
ajbmeb-620	19	113	american	american	PROPN
ajbmeb-620	19	114	journal	journal	PROPN
ajbmeb-620	19	115	of	of	ADP
ajbmeb-620	19	116	business	business	NOUN
ajbmeb-620	19	117	management	management	NOUN
ajbmeb-620	19	118	,	,	PUNCT
ajbmeb-620	19	119	economics	economic	NOUN
ajbmeb-620	19	120	and	and	CCONJ
ajbmeb-620	19	121	banking	banking	NOUN
ajbmeb-620	19	122	volume	volume	NOUN
ajbmeb-620	19	123	11	11	NUM
ajbmeb-620	19	124	april	april	PROPN
ajbmeb-620	19	125	,	,	PUNCT
ajbmeb-620	19	126	2023	2023	NUM
ajbmeb-620	19	127	p	p	NOUN
ajbmeb-620	19	128	a	a	DET
ajbmeb-620	19	129	g	g	NOUN
ajbmeb-620	19	130	e	e	NOUN
ajbmeb-620	19	131	|	|	ADV
ajbmeb-620	19	132	70	70	NUM
ajbmeb-620	19	133	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-620	19	134	6	6	NUM
ajbmeb-620	19	135	–	–	PUNCT
ajbmeb-620	19	136	research	research	NOUN
ajbmeb-620	19	137	limits	limit	VERB
ajbmeb-620	19	138	a.	a.	PROPN
ajbmeb-620	19	139	spatial	spatial	ADJ
ajbmeb-620	19	140	boundaries	boundary	NOUN
ajbmeb-620	19	141	the	the	DET
ajbmeb-620	19	142	research	research	NOUN
ajbmeb-620	19	143	was	be	AUX
ajbmeb-620	19	144	applied	apply	VERB
ajbmeb-620	19	145	in	in	ADP
ajbmeb-620	19	146	the	the	DET
ajbmeb-620	19	147	iraqi	iraqi	ADJ
ajbmeb-620	19	148	banking	banking	NOUN
ajbmeb-620	19	149	sector	sector	NOUN
ajbmeb-620	19	150	and	and	CCONJ
ajbmeb-620	19	151	included	include	VERB
ajbmeb-620	19	152	five	five	NUM
ajbmeb-620	19	153	of	of	ADP
ajbmeb-620	19	154	the	the	DET
ajbmeb-620	19	155	iraqi	iraqi	ADJ
ajbmeb-620	19	156	private	private	ADJ
ajbmeb-620	19	157	banks	bank	NOUN
ajbmeb-620	19	158	,	,	PUNCT
ajbmeb-620	19	159	namely	namely	ADV
ajbmeb-620	19	160	(	(	PUNCT
ajbmeb-620	19	161	middle	middle	PROPN
ajbmeb-620	19	162	east	east	PROPN
ajbmeb-620	19	163	bank	bank	PROPN
ajbmeb-620	19	164	,	,	PUNCT
ajbmeb-620	19	165	commercial	commercial	ADJ
ajbmeb-620	19	166	bank	bank	PROPN
ajbmeb-620	19	167	of	of	ADP
ajbmeb-620	19	168	iraq	iraq	PROPN
ajbmeb-620	19	169	,	,	PUNCT
ajbmeb-620	19	170	iraqi	iraqi	ADJ
ajbmeb-620	19	171	credit	credit	NOUN
ajbmeb-620	19	172	bank	bank	NOUN
ajbmeb-620	19	173	,	,	PUNCT
ajbmeb-620	19	174	united	united	PROPN
ajbmeb-620	19	175	investment	investment	PROPN
ajbmeb-620	19	176	bank	bank	PROPN
ajbmeb-620	19	177	,	,	PUNCT
ajbmeb-620	19	178	gulf	gulf	PROPN
ajbmeb-620	19	179	commercial	commercial	PROPN
ajbmeb-620	19	180	bank	bank	PROPN
ajbmeb-620	19	181	,	,	PUNCT
ajbmeb-620	19	182	)	)	PUNCT
ajbmeb-620	19	183	in	in	ADP
ajbmeb-620	19	184	iraq	iraq	PROPN
ajbmeb-620	19	185	/	/	SYM
ajbmeb-620	19	186	baghdad	baghdad	PROPN
ajbmeb-620	19	187	btime	btime	NOUN
ajbmeb-620	19	188	limits	limit	NOUN
ajbmeb-620	19	189	:	:	PUNCT
ajbmeb-620	19	190	the	the	DET
ajbmeb-620	19	191	period	period	NOUN
ajbmeb-620	19	192	of	of	ADP
ajbmeb-620	19	193	time	time	NOUN
ajbmeb-620	19	194	between	between	ADP
ajbmeb-620	19	195	(	(	PUNCT
ajbmeb-620	19	196	2012	2012	NUM
ajbmeb-620	19	197	-	-	SYM
ajbmeb-620	19	198	2021	2021	NUM
ajbmeb-620	19	199	)	)	PUNCT
ajbmeb-620	19	200	,	,	PUNCT
ajbmeb-620	19	201	which	which	PRON
ajbmeb-620	19	202	relates	relate	VERB
ajbmeb-620	19	203	to	to	ADP
ajbmeb-620	19	204	the	the	DET
ajbmeb-620	19	205	financial	financial	ADJ
ajbmeb-620	19	206	statements	statement	NOUN
ajbmeb-620	19	207	of	of	ADP
ajbmeb-620	19	208	private	private	ADJ
ajbmeb-620	19	209	commercial	commercial	ADJ
ajbmeb-620	19	210	banks	bank	NOUN
ajbmeb-620	19	211	,	,	PUNCT
ajbmeb-620	19	212	was	be	AUX
ajbmeb-620	19	213	approved	approve	VERB
ajbmeb-620	19	214	,	,	PUNCT
ajbmeb-620	19	215	as	as	SCONJ
ajbmeb-620	19	216	the	the	DET
ajbmeb-620	19	217	financial	financial	ADJ
ajbmeb-620	19	218	statements	statement	NOUN
ajbmeb-620	19	219	,	,	PUNCT
ajbmeb-620	19	220	statements	statement	NOUN
ajbmeb-620	19	221	and	and	CCONJ
ajbmeb-620	19	222	annual	annual	ADJ
ajbmeb-620	19	223	reports	report	NOUN
ajbmeb-620	19	224	of	of	ADP
ajbmeb-620	19	225	each	each	PRON
ajbmeb-620	19	226	of	of	ADP
ajbmeb-620	19	227	the	the	DET
ajbmeb-620	19	228	banks	bank	NOUN
ajbmeb-620	19	229	of	of	ADP
ajbmeb-620	19	230	the	the	DET
ajbmeb-620	19	231	research	research	NOUN
ajbmeb-620	19	232	sample	sample	NOUN
ajbmeb-620	19	233	were	be	AUX
ajbmeb-620	19	234	approved	approve	VERB
ajbmeb-620	19	235	.	.	PUNCT
ajbmeb-620	20	1	7	7	X
ajbmeb-620	20	2	.	.	X
ajbmeb-620	20	3	analyze	analyze	VERB
ajbmeb-620	20	4	data	datum	NOUN
ajbmeb-620	20	5	and	and	CCONJ
ajbmeb-620	20	6	discuss	discuss	VERB
ajbmeb-620	20	7	results	result	NOUN
ajbmeb-620	20	8	this	this	DET
ajbmeb-620	20	9	paragraph	paragraph	NOUN
ajbmeb-620	20	10	is	be	AUX
ajbmeb-620	20	11	devoted	devote	VERB
ajbmeb-620	20	12	to	to	ADP
ajbmeb-620	20	13	presenting	present	VERB
ajbmeb-620	20	14	the	the	DET
ajbmeb-620	20	15	results	result	NOUN
ajbmeb-620	20	16	of	of	ADP
ajbmeb-620	20	17	the	the	DET
ajbmeb-620	20	18	research	research	NOUN
ajbmeb-620	20	19	and	and	CCONJ
ajbmeb-620	20	20	analysis	analysis	NOUN
ajbmeb-620	20	21	using	use	VERB
ajbmeb-620	20	22	financial	financial	ADJ
ajbmeb-620	20	23	measures	measure	NOUN
ajbmeb-620	20	24	for	for	ADP
ajbmeb-620	20	25	all	all	DET
ajbmeb-620	20	26	research	research	NOUN
ajbmeb-620	20	27	variables	variable	NOUN
ajbmeb-620	20	28	and	and	CCONJ
ajbmeb-620	20	29	testing	test	VERB
ajbmeb-620	20	30	research	research	NOUN
ajbmeb-620	20	31	hypotheses	hypothesis	NOUN
ajbmeb-620	20	32	.	.	PUNCT
ajbmeb-620	21	1	table	table	NOUN
ajbmeb-620	21	2	(	(	PUNCT
ajbmeb-620	21	3	1	1	NUM
ajbmeb-620	21	4	)	)	PUNCT
ajbmeb-620	21	5	total	total	ADJ
ajbmeb-620	21	6	bank	bank	NOUN
ajbmeb-620	21	7	deposits	deposit	NOUN
ajbmeb-620	21	8	for	for	ADP
ajbmeb-620	21	9	the	the	DET
ajbmeb-620	21	10	research	research	NOUN
ajbmeb-620	21	11	sample	sample	NOUN
ajbmeb-620	21	12	for	for	ADP
ajbmeb-620	21	13	the	the	DET
ajbmeb-620	21	14	period	period	NOUN
ajbmeb-620	21	15	2012	2012	NUM
ajbmeb-620	21	16	-	-	SYM
ajbmeb-620	21	17	2021	2021	NUM
ajbmeb-620	21	18	(	(	PUNCT
ajbmeb-620	21	19	millions	million	NOUN
ajbmeb-620	21	20	of	of	ADP
ajbmeb-620	21	21	dinars	dinar	NOUN
ajbmeb-620	21	22	)	)	PUNCT
ajbmeb-620	21	23	year	year	NOUN
ajbmeb-620	21	24	bank	bank	NOUN
ajbmeb-620	21	25	2012	2012	NUM
ajbmeb-620	21	26	2013	2013	NUM
ajbmeb-620	21	27	2014	2014	NUM
ajbmeb-620	21	28	2015	2015	NUM
ajbmeb-620	21	29	2016	2016	NUM
ajbmeb-620	21	30	2017	2017	NUM
ajbmeb-620	21	31	2018	2018	NUM
ajbmeb-620	21	32	2019	2019	NUM
ajbmeb-620	21	33	2020	2020	NUM
ajbmeb-620	21	34	2021	2021	NUM
ajbmeb-620	21	35	iraqi	iraqi	ADJ
ajbmeb-620	21	36	commercial	commercial	ADJ
ajbmeb-620	21	37	bank	bank	NOUN
ajbmeb-620	21	38	112077	112077	NUM
ajbmeb-620	21	39	96691	96691	NUM
ajbmeb-620	21	40	121063	121063	NUM
ajbmeb-620	21	41	90506	90506	NUM
ajbmeb-620	21	42	121221	121221	NUM
ajbmeb-620	21	43	134713	134713	NUM
ajbmeb-620	21	44	135132	135132	NUM
ajbmeb-620	21	45	146614	146614	NUM
ajbmeb-620	21	46	272760	272760	NUM
ajbmeb-620	21	47	159989	159989	NUM
ajbmeb-620	21	48	united	united	PROPN
ajbmeb-620	21	49	bank	bank	PROPN
ajbmeb-620	21	50	for	for	ADP
ajbmeb-620	21	51	investment	investment	NOUN
ajbmeb-620	21	52	246693	246693	NUM
ajbmeb-620	21	53	349519	349519	NUM
ajbmeb-620	21	54	186156	186156	NUM
ajbmeb-620	21	55	228902	228902	NUM
ajbmeb-620	21	56	139124	139124	NUM
ajbmeb-620	21	57	103903	103903	NUM
ajbmeb-620	21	58	128221	128221	NUM
ajbmeb-620	21	59	69438	69438	NUM
ajbmeb-620	21	60	152234	152234	NUM
ajbmeb-620	21	61	294799	294799	NUM
ajbmeb-620	21	62	gulf	gulf	PROPN
ajbmeb-620	21	63	bank	bank	PROPN
ajbmeb-620	21	64	260780	260780	NUM
ajbmeb-620	21	65	417143	417143	NUM
ajbmeb-620	21	66	455212	455212	NUM
ajbmeb-620	21	67	370218	370218	NUM
ajbmeb-620	21	68	427200	427200	NUM
ajbmeb-620	21	69	265803	265803	NUM
ajbmeb-620	21	70	232934	232934	NUM
ajbmeb-620	21	71	201579	201579	NUM
ajbmeb-620	21	72	180767	180767	NUM
ajbmeb-620	21	73	204966	204966	NUM
ajbmeb-620	21	74	iraqi	iraqi	ADJ
ajbmeb-620	21	75	credit	credit	NOUN
ajbmeb-620	21	76	bank	bank	NOUN
ajbmeb-620	21	77	354914	354914	NUM
ajbmeb-620	21	78	380529	380529	NUM
ajbmeb-620	21	79	311749	311749	NUM
ajbmeb-620	21	80	157787	157787	NUM
ajbmeb-620	21	81	179282	179282	NUM
ajbmeb-620	21	82	144170	144170	NUM
ajbmeb-620	21	83	162366	162366	NUM
ajbmeb-620	21	84	208358	208358	NUM
ajbmeb-620	21	85	217501	217501	NUM
ajbmeb-620	21	86	159111	159111	NUM
ajbmeb-620	21	87	middle	middle	PROPN
ajbmeb-620	21	88	east	east	PROPN
ajbmeb-620	21	89	bank	bank	PROPN
ajbmeb-620	21	90	615784	615784	NUM
ajbmeb-620	21	91	551856	551856	NUM
ajbmeb-620	21	92	358117	358117	NUM
ajbmeb-620	21	93	331665	331665	NUM
ajbmeb-620	21	94	326517	326517	NUM
ajbmeb-620	21	95	332579	332579	NUM
ajbmeb-620	21	96	437921	437921	NUM
ajbmeb-620	21	97	279215	279215	NUM
ajbmeb-620	21	98	266696	266696	NUM
ajbmeb-620	21	99	278784	278784	NUM
ajbmeb-620	21	100	source	source	NOUN
ajbmeb-620	21	101	/	/	SYM
ajbmeb-620	21	102	annual	annual	ADJ
ajbmeb-620	21	103	report	report	NOUN
ajbmeb-620	21	104	of	of	ADP
ajbmeb-620	21	105	banks	bank	NOUN
ajbmeb-620	21	106	,	,	PUNCT
ajbmeb-620	21	107	research	research	NOUN
ajbmeb-620	21	108	sample	sample	NOUN
ajbmeb-620	21	109	table	table	NOUN
ajbmeb-620	21	110	(	(	PUNCT
ajbmeb-620	21	111	1	1	X
ajbmeb-620	21	112	)	)	PUNCT
ajbmeb-620	21	113	shows	show	VERB
ajbmeb-620	21	114	the	the	DET
ajbmeb-620	21	115	total	total	ADJ
ajbmeb-620	21	116	bank	bank	NOUN
ajbmeb-620	21	117	deposits	deposit	NOUN
ajbmeb-620	21	118	of	of	ADP
ajbmeb-620	21	119	banks	bank	NOUN
ajbmeb-620	21	120	in	in	ADP
ajbmeb-620	21	121	the	the	DET
ajbmeb-620	21	122	research	research	NOUN
ajbmeb-620	21	123	sample	sample	NOUN
ajbmeb-620	21	124	for	for	ADP
ajbmeb-620	21	125	a	a	DET
ajbmeb-620	21	126	period	period	NOUN
ajbmeb-620	21	127	of	of	ADP
ajbmeb-620	21	128	10	10	NUM
ajbmeb-620	21	129	years	year	NOUN
ajbmeb-620	21	130	.	.	PUNCT
ajbmeb-620	22	1	deposits	deposit	NOUN
ajbmeb-620	22	2	varied	varied	ADJ
ajbmeb-620	22	3	during	during	ADP
ajbmeb-620	22	4	the	the	DET
ajbmeb-620	22	5	years	year	NOUN
ajbmeb-620	22	6	,	,	PUNCT
ajbmeb-620	22	7	as	as	SCONJ
ajbmeb-620	22	8	they	they	PRON
ajbmeb-620	22	9	ranged	range	VERB
ajbmeb-620	22	10	between	between	ADP
ajbmeb-620	22	11	high	high	ADJ
ajbmeb-620	22	12	and	and	CCONJ
ajbmeb-620	22	13	low	low	ADJ
ajbmeb-620	22	14	.	.	PUNCT
ajbmeb-620	23	1	the	the	DET
ajbmeb-620	23	2	same	same	ADJ
ajbmeb-620	23	3	is	be	AUX
ajbmeb-620	23	4	the	the	DET
ajbmeb-620	23	5	case	case	NOUN
ajbmeb-620	23	6	between	between	ADP
ajbmeb-620	23	7	banks	bank	NOUN
ajbmeb-620	23	8	,	,	PUNCT
ajbmeb-620	23	9	with	with	ADP
ajbmeb-620	23	10	clear	clear	ADJ
ajbmeb-620	23	11	fluctuation	fluctuation	NOUN
ajbmeb-620	23	12	.	.	PUNCT
ajbmeb-620	24	1	deposits	deposit	NOUN
ajbmeb-620	24	2	in	in	ADP
ajbmeb-620	24	3	the	the	DET
ajbmeb-620	24	4	above	above	ADJ
ajbmeb-620	24	5	table	table	NOUN
ajbmeb-620	24	6	for	for	ADP
ajbmeb-620	24	7	all	all	DET
ajbmeb-620	24	8	banks	bank	NOUN
ajbmeb-620	24	9	,	,	PUNCT
ajbmeb-620	24	10	where	where	SCONJ
ajbmeb-620	24	11	the	the	DET
ajbmeb-620	24	12	united	united	PROPN
ajbmeb-620	24	13	bank	bank	PROPN
ajbmeb-620	24	14	for	for	ADP
ajbmeb-620	24	15	investment	investment	NOUN
ajbmeb-620	24	16	and	and	CCONJ
ajbmeb-620	24	17	the	the	DET
ajbmeb-620	24	18	gulf	gulf	PROPN
ajbmeb-620	24	19	bank	bank	PROPN
ajbmeb-620	24	20	enjoyed	enjoy	VERB
ajbmeb-620	24	21	a	a	DET
ajbmeb-620	24	22	good	good	ADJ
ajbmeb-620	24	23	level	level	NOUN
ajbmeb-620	24	24	of	of	ADP
ajbmeb-620	24	25	deposits	deposit	NOUN
ajbmeb-620	24	26	and	and	CCONJ
ajbmeb-620	24	27	achieved	achieve	VERB
ajbmeb-620	24	28	a	a	DET
ajbmeb-620	24	29	balance	balance	NOUN
ajbmeb-620	24	30	with	with	ADP
ajbmeb-620	24	31	the	the	DET
ajbmeb-620	24	32	level	level	NOUN
ajbmeb-620	24	33	of	of	ADP
ajbmeb-620	24	34	credit	credit	NOUN
ajbmeb-620	24	35	shown	show	VERB
ajbmeb-620	24	36	in	in	ADP
ajbmeb-620	24	37	table	table	NOUN
ajbmeb-620	24	38	(	(	PUNCT
ajbmeb-620	24	39	3	3	NUM
ajbmeb-620	24	40	)	)	PUNCT
ajbmeb-620	24	41	,	,	PUNCT
ajbmeb-620	24	42	while	while	SCONJ
ajbmeb-620	24	43	the	the	DET
ajbmeb-620	24	44	iraqi	iraqi	ADJ
ajbmeb-620	24	45	credit	credit	NOUN
ajbmeb-620	24	46	bank	bank	NOUN
ajbmeb-620	24	47	did	do	AUX
ajbmeb-620	24	48	not	not	PART
ajbmeb-620	24	49	achieve	achieve	VERB
ajbmeb-620	24	50	a	a	DET
ajbmeb-620	24	51	balance	balance	NOUN
ajbmeb-620	24	52	between	between	ADP
ajbmeb-620	24	53	deposits	deposit	NOUN
ajbmeb-620	24	54	and	and	CCONJ
ajbmeb-620	24	55	credit	credit	NOUN
ajbmeb-620	24	56	,	,	PUNCT
ajbmeb-620	24	57	although	although	SCONJ
ajbmeb-620	24	58	its	its	PRON
ajbmeb-620	24	59	deposits	deposit	NOUN
ajbmeb-620	24	60	are	be	AUX
ajbmeb-620	24	61	of	of	ADP
ajbmeb-620	24	62	a	a	DET
ajbmeb-620	24	63	high	high	ADJ
ajbmeb-620	24	64	level	level	NOUN
ajbmeb-620	24	65	,	,	PUNCT
ajbmeb-620	24	66	but	but	CCONJ
ajbmeb-620	24	67	they	they	PRON
ajbmeb-620	24	68	are	be	AUX
ajbmeb-620	24	69	it	it	PRON
ajbmeb-620	24	70	does	do	AUX
ajbmeb-620	24	71	not	not	PART
ajbmeb-620	24	72	match	match	VERB
ajbmeb-620	24	73	the	the	DET
ajbmeb-620	24	74	credit	credit	NOUN
ajbmeb-620	24	75	granted	grant	VERB
ajbmeb-620	24	76	,	,	PUNCT
ajbmeb-620	24	77	which	which	PRON
ajbmeb-620	24	78	means	mean	VERB
ajbmeb-620	24	79	that	that	SCONJ
ajbmeb-620	24	80	it	it	PRON
ajbmeb-620	24	81	is	be	AUX
ajbmeb-620	24	82	not	not	PART
ajbmeb-620	24	83	the	the	DET
ajbmeb-620	24	84	best	good	ADJ
ajbmeb-620	24	85	investment	investment	NOUN
ajbmeb-620	24	86	for	for	ADP
ajbmeb-620	24	87	deposits	deposit	NOUN
ajbmeb-620	24	88	table	table	NOUN
ajbmeb-620	24	89	(	(	PUNCT
ajbmeb-620	24	90	2	2	NUM
ajbmeb-620	24	91	)	)	PUNCT
ajbmeb-620	24	92	growth	growth	NOUN
ajbmeb-620	24	93	of	of	ADP
ajbmeb-620	24	94	bank	bank	NOUN
ajbmeb-620	24	95	deposits	deposit	NOUN
ajbmeb-620	24	96	for	for	ADP
ajbmeb-620	24	97	the	the	DET
ajbmeb-620	24	98	research	research	NOUN
ajbmeb-620	24	99	sample	sample	NOUN
ajbmeb-620	24	100	for	for	ADP
ajbmeb-620	24	101	the	the	DET
ajbmeb-620	24	102	period	period	NOUN
ajbmeb-620	24	103	2012	2012	NUM
ajbmeb-620	24	104	-	-	SYM
ajbmeb-620	24	105	2021	2021	NUM
ajbmeb-620	24	106	(	(	PUNCT
ajbmeb-620	24	107	%	%	INTJ
ajbmeb-620	24	108	)	)	PUNCT
ajbmeb-620	24	109	year	year	NOUN
ajbmeb-620	24	110	bank	bank	NOUN
ajbmeb-620	24	111	2012	2012	NUM
ajbmeb-620	24	112	2013	2013	NUM
ajbmeb-620	24	113	2014	2014	NUM
ajbmeb-620	24	114	2015	2015	NUM
ajbmeb-620	24	115	2016	2016	NUM
ajbmeb-620	24	116	2017	2017	NUM
ajbmeb-620	24	117	2018	2018	NUM
ajbmeb-620	24	118	2019	2019	NUM
ajbmeb-620	24	119	2020	2020	NUM
ajbmeb-620	24	120	2021	2021	NUM
ajbmeb-620	24	121	iraqi	iraqi	ADJ
ajbmeb-620	24	122	commercial	commercial	ADJ
ajbmeb-620	24	123	bank	bank	PROPN
ajbmeb-620	24	124	0.34	0.34	NUM
ajbmeb-620	24	125	-0.14	-0.14	NUM
ajbmeb-620	24	126	0.25	0.25	NUM
ajbmeb-620	24	127	-0.25	-0.25	NUM
ajbmeb-620	24	128	0.34	0.34	NUM
ajbmeb-620	24	129	0.11	0.11	NUM
ajbmeb-620	24	130	0.01	0.01	NUM
ajbmeb-620	24	131	0.09	0.09	NUM
ajbmeb-620	24	132	0.86	0.86	NUM
ajbmeb-620	24	133	-0.41	-0.41	PROPN
ajbmeb-620	24	134	united	united	PROPN
ajbmeb-620	24	135	bank	bank	PROPN
ajbmeb-620	24	136	for	for	ADP
ajbmeb-620	24	137	investment	investment	NOUN
ajbmeb-620	24	138	-0.18	-0.18	NUM
ajbmeb-620	24	139	0.42	0.42	NUM
ajbmeb-620	24	140	-0.47	-0.47	PROPN
ajbmeb-620	24	141	0.23	0.23	NUM
ajbmeb-620	24	142	-0.39	-0.39	NUM
ajbmeb-620	24	143	-0.25	-0.25	NUM
ajbmeb-620	24	144	0.23	0.23	NUM
ajbmeb-620	24	145	-0.46	-0.46	NUM
ajbmeb-620	24	146	0.19	0.19	NUM
ajbmeb-620	24	147	0.94	0.94	NUM
ajbmeb-620	24	148	gulf	gulf	PROPN
ajbmeb-620	24	149	bank	bank	NOUN
ajbmeb-620	24	150	0.20	0.20	NUM
ajbmeb-620	24	151	0.60	0.60	NUM
ajbmeb-620	24	152	0.09	0.09	NUM
ajbmeb-620	24	153	-0.19	-0.19	NOUN
ajbmeb-620	24	154	0.15	0.15	NUM
ajbmeb-620	24	155	-0.38	-0.38	PROPN
ajbmeb-620	24	156	-0.12	-0.12	NUM
ajbmeb-620	24	157	-0.13	-0.13	NUM
ajbmeb-620	24	158	-0.10	-0.10	NUM
ajbmeb-620	24	159	0.13	0.13	NUM
ajbmeb-620	24	160	iraqi	iraqi	ADJ
ajbmeb-620	24	161	credit	credit	NOUN
ajbmeb-620	24	162	bank	bank	NOUN
ajbmeb-620	24	163	0.36	0.36	NUM
ajbmeb-620	24	164	0.07	0.07	NUM
ajbmeb-620	24	165	-0.18	-0.18	NUM
ajbmeb-620	24	166	-0.49	-0.49	PROPN
ajbmeb-620	24	167	0.14	0.14	NUM
ajbmeb-620	24	168	-0.20	-0.20	NUM
ajbmeb-620	24	169	0.13	0.13	NUM
ajbmeb-620	24	170	0.28	0.28	NUM
ajbmeb-620	24	171	0.04	0.04	NUM
ajbmeb-620	24	172	-0.27	-0.27	PROPN
ajbmeb-620	24	173	middle	middle	PROPN
ajbmeb-620	24	174	east	east	PROPN
ajbmeb-620	24	175	bank	bank	PROPN
ajbmeb-620	24	176	0.22	0.22	NUM
ajbmeb-620	24	177	-0.10	-0.10	NUM
ajbmeb-620	24	178	-0.35	-0.35	NUM
ajbmeb-620	24	179	-0.07	-0.07	NUM
ajbmeb-620	24	180	-0.02	-0.02	NUM
ajbmeb-620	24	181	0.02	0.02	NUM
ajbmeb-620	24	182	0.32	0.32	NUM
ajbmeb-620	24	183	-0.36	-0.36	NUM
ajbmeb-620	24	184	-0.04	-0.04	NUM
ajbmeb-620	24	185	0.04	0.04	NUM
ajbmeb-620	24	186	source	source	NOUN
ajbmeb-620	24	187	/	/	SYM
ajbmeb-620	24	188	annual	annual	ADJ
ajbmeb-620	24	189	report	report	NOUN
ajbmeb-620	24	190	of	of	ADP
ajbmeb-620	24	191	banks	bank	NOUN
ajbmeb-620	24	192	,	,	PUNCT
ajbmeb-620	24	193	research	research	NOUN
ajbmeb-620	24	194	sample	sample	NOUN
ajbmeb-620	24	195	american	american	PROPN
ajbmeb-620	24	196	journal	journal	PROPN
ajbmeb-620	24	197	of	of	ADP
ajbmeb-620	24	198	business	business	NOUN
ajbmeb-620	24	199	management	management	NOUN
ajbmeb-620	24	200	,	,	PUNCT
ajbmeb-620	24	201	economics	economic	NOUN
ajbmeb-620	24	202	and	and	CCONJ
ajbmeb-620	24	203	banking	banking	NOUN
ajbmeb-620	24	204	volume	volume	NOUN
ajbmeb-620	24	205	11	11	NUM
ajbmeb-620	24	206	april	april	PROPN
ajbmeb-620	24	207	,	,	PUNCT
ajbmeb-620	24	208	2023	2023	NUM
ajbmeb-620	24	209	p	p	NOUN
ajbmeb-620	24	210	a	a	DET
ajbmeb-620	24	211	g	g	NOUN
ajbmeb-620	24	212	e	e	NOUN
ajbmeb-620	24	213	|	|	ADV
ajbmeb-620	24	214	71	71	NUM
ajbmeb-620	24	215	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-620	24	216	table	table	NOUN
ajbmeb-620	24	217	(	(	PUNCT
ajbmeb-620	24	218	2	2	X
ajbmeb-620	24	219	)	)	PUNCT
ajbmeb-620	24	220	shows	show	VERB
ajbmeb-620	24	221	the	the	DET
ajbmeb-620	24	222	growth	growth	NOUN
ajbmeb-620	24	223	of	of	ADP
ajbmeb-620	24	224	the	the	DET
ajbmeb-620	24	225	volume	volume	NOUN
ajbmeb-620	24	226	of	of	ADP
ajbmeb-620	24	227	bank	bank	NOUN
ajbmeb-620	24	228	deposits	deposit	NOUN
ajbmeb-620	24	229	of	of	ADP
ajbmeb-620	24	230	the	the	DET
ajbmeb-620	24	231	research	research	NOUN
ajbmeb-620	24	232	sample	sample	NOUN
ajbmeb-620	24	233	banks	bank	NOUN
ajbmeb-620	24	234	during	during	ADP
ajbmeb-620	24	235	10	10	NUM
ajbmeb-620	24	236	years	year	NOUN
ajbmeb-620	24	237	,	,	PUNCT
ajbmeb-620	24	238	as	as	ADP
ajbmeb-620	24	239	the	the	DET
ajbmeb-620	24	240	clear	clear	ADJ
ajbmeb-620	24	241	fluctuation	fluctuation	NOUN
ajbmeb-620	24	242	between	between	ADP
ajbmeb-620	24	243	banks	bank	NOUN
ajbmeb-620	24	244	,	,	PUNCT
ajbmeb-620	24	245	as	as	ADV
ajbmeb-620	24	246	well	well	ADV
ajbmeb-620	24	247	as	as	ADP
ajbmeb-620	24	248	during	during	ADP
ajbmeb-620	24	249	the	the	DET
ajbmeb-620	24	250	years	year	NOUN
ajbmeb-620	24	251	,	,	PUNCT
ajbmeb-620	24	252	with	with	ADP
ajbmeb-620	24	253	rise	rise	NOUN
ajbmeb-620	24	254	and	and	CCONJ
ajbmeb-620	24	255	fall	fall	VERB
ajbmeb-620	24	256	,	,	PUNCT
ajbmeb-620	24	257	which	which	PRON
ajbmeb-620	24	258	means	mean	VERB
ajbmeb-620	24	259	instability	instability	NOUN
ajbmeb-620	24	260	or	or	CCONJ
ajbmeb-620	24	261	lack	lack	NOUN
ajbmeb-620	24	262	of	of	ADP
ajbmeb-620	24	263	a	a	DET
ajbmeb-620	24	264	clear	clear	ADJ
ajbmeb-620	24	265	strategy	strategy	NOUN
ajbmeb-620	24	266	for	for	ADP
ajbmeb-620	24	267	these	these	DET
ajbmeb-620	24	268	banks	bank	NOUN
ajbmeb-620	24	269	in	in	ADP
ajbmeb-620	24	270	attracting	attract	VERB
ajbmeb-620	24	271	deposits	deposit	NOUN
ajbmeb-620	24	272	table	table	NOUN
ajbmeb-620	24	273	(	(	PUNCT
ajbmeb-620	24	274	3	3	NUM
ajbmeb-620	24	275	)	)	PUNCT
ajbmeb-620	24	276	total	total	ADJ
ajbmeb-620	24	277	bank	bank	NOUN
ajbmeb-620	24	278	credit	credit	NOUN
ajbmeb-620	24	279	for	for	ADP
ajbmeb-620	24	280	the	the	DET
ajbmeb-620	24	281	research	research	NOUN
ajbmeb-620	24	282	sample	sample	NOUN
ajbmeb-620	24	283	for	for	ADP
ajbmeb-620	24	284	the	the	DET
ajbmeb-620	24	285	period	period	NOUN
ajbmeb-620	24	286	2012	2012	NUM
ajbmeb-620	24	287	-	-	SYM
ajbmeb-620	24	288	2021	2021	NUM
ajbmeb-620	24	289	(	(	PUNCT
ajbmeb-620	24	290	millions	million	NOUN
ajbmeb-620	24	291	of	of	ADP
ajbmeb-620	24	292	dinars	dinar	NOUN
ajbmeb-620	24	293	)	)	PUNCT
ajbmeb-620	24	294	year	year	NOUN
ajbmeb-620	24	295	bank	bank	NOUN
ajbmeb-620	24	296	2012	2012	NUM
ajbmeb-620	24	297	2013	2013	NUM
ajbmeb-620	24	298	2014	2014	NUM
ajbmeb-620	24	299	2015	2015	NUM
ajbmeb-620	24	300	2016	2016	NUM
ajbmeb-620	24	301	2017	2017	NUM
ajbmeb-620	24	302	2018	2018	NUM
ajbmeb-620	24	303	2019	2019	NUM
ajbmeb-620	24	304	2020	2020	NUM
ajbmeb-620	24	305	2021	2021	NUM
ajbmeb-620	24	306	iraqi	iraqi	ADJ
ajbmeb-620	24	307	commercial	commercial	ADJ
ajbmeb-620	24	308	bank	bank	NOUN
ajbmeb-620	24	309	23110	23110	NUM
ajbmeb-620	24	310	3956	3956	NUM
ajbmeb-620	24	311	7154	7154	NUM
ajbmeb-620	24	312	9101	9101	NUM
ajbmeb-620	24	313	9903	9903	NUM
ajbmeb-620	24	314	10789	10789	NUM
ajbmeb-620	24	315	11932	11932	NUM
ajbmeb-620	24	316	11446	11446	NUM
ajbmeb-620	24	317	18840	18840	NUM
ajbmeb-620	24	318	27136	27136	NUM
ajbmeb-620	24	319	united	united	PROPN
ajbmeb-620	24	320	bank	bank	PROPN
ajbmeb-620	24	321	for	for	ADP
ajbmeb-620	24	322	investment	investment	NOUN
ajbmeb-620	24	323	383970	383970	NUM
ajbmeb-620	24	324	537759	537759	NUM
ajbmeb-620	24	325	381490	381490	NUM
ajbmeb-620	24	326	324228	324228	NUM
ajbmeb-620	24	327	272651	272651	NUM
ajbmeb-620	24	328	329052	329052	NUM
ajbmeb-620	24	329	341001	341001	NUM
ajbmeb-620	24	330	252215	252215	NUM
ajbmeb-620	24	331	118842	118842	NUM
ajbmeb-620	24	332	149013	149013	NUM
ajbmeb-620	24	333	gulf	gulf	PROPN
ajbmeb-620	24	334	bank	bank	PROPN
ajbmeb-620	24	335	214344	214344	NUM
ajbmeb-620	24	336	286574	286574	NUM
ajbmeb-620	24	337	288100	288100	NUM
ajbmeb-620	24	338	330993	330993	NUM
ajbmeb-620	24	339	287550	287550	NUM
ajbmeb-620	24	340	204274	204274	NUM
ajbmeb-620	24	341	171492	171492	NUM
ajbmeb-620	24	342	144623	144623	NUM
ajbmeb-620	24	343	127002	127002	NUM
ajbmeb-620	24	344	112006	112006	NUM
ajbmeb-620	24	345	iraqi	iraqi	ADJ
ajbmeb-620	24	346	credit	credit	NOUN
ajbmeb-620	24	347	bank	bank	NOUN
ajbmeb-620	24	348	7458	7458	NUM
ajbmeb-620	24	349	2531	2531	NUM
ajbmeb-620	24	350	1228	1228	NUM
ajbmeb-620	24	351	6644	6644	NUM
ajbmeb-620	24	352	2930	2930	NUM
ajbmeb-620	24	353	8355	8355	NUM
ajbmeb-620	24	354	8085	8085	NUM
ajbmeb-620	24	355	8085	8085	NUM
ajbmeb-620	24	356	7476	7476	NUM
ajbmeb-620	24	357	6937	6937	NUM
ajbmeb-620	24	358	middle	middle	PROPN
ajbmeb-620	24	359	east	east	PROPN
ajbmeb-620	24	360	bank	bank	PROPN
ajbmeb-620	24	361	198350	198350	NUM
ajbmeb-620	24	362	208867	208867	NUM
ajbmeb-620	24	363	187865	187865	NUM
ajbmeb-620	24	364	149924	149924	NUM
ajbmeb-620	24	365	126346	126346	NUM
ajbmeb-620	24	366	100252	100252	NUM
ajbmeb-620	24	367	94572	94572	NUM
ajbmeb-620	24	368	94051	94051	NUM
ajbmeb-620	24	369	85136	85136	NUM
ajbmeb-620	24	370	84550	84550	NUM
ajbmeb-620	24	371	source	source	NOUN
ajbmeb-620	24	372	/	/	SYM
ajbmeb-620	24	373	annual	annual	ADJ
ajbmeb-620	24	374	report	report	NOUN
ajbmeb-620	24	375	of	of	ADP
ajbmeb-620	24	376	banks	bank	NOUN
ajbmeb-620	24	377	,	,	PUNCT
ajbmeb-620	24	378	research	research	NOUN
ajbmeb-620	24	379	sample	sample	NOUN
ajbmeb-620	24	380	table	table	NOUN
ajbmeb-620	24	381	(	(	PUNCT
ajbmeb-620	24	382	3	3	X
ajbmeb-620	24	383	)	)	PUNCT
ajbmeb-620	24	384	shows	show	VERB
ajbmeb-620	24	385	the	the	DET
ajbmeb-620	24	386	total	total	ADJ
ajbmeb-620	24	387	bank	bank	NOUN
ajbmeb-620	24	388	credit	credit	NOUN
ajbmeb-620	24	389	of	of	ADP
ajbmeb-620	24	390	banks	bank	NOUN
ajbmeb-620	24	391	in	in	ADP
ajbmeb-620	24	392	the	the	DET
ajbmeb-620	24	393	research	research	NOUN
ajbmeb-620	24	394	sample	sample	NOUN
ajbmeb-620	24	395	for	for	ADP
ajbmeb-620	24	396	a	a	DET
ajbmeb-620	24	397	period	period	NOUN
ajbmeb-620	24	398	of	of	ADP
ajbmeb-620	24	399	10	10	NUM
ajbmeb-620	24	400	years	year	NOUN
ajbmeb-620	24	401	.	.	PUNCT
ajbmeb-620	25	1	credit	credit	NOUN
ajbmeb-620	25	2	has	have	AUX
ajbmeb-620	25	3	varied	vary	VERB
ajbmeb-620	25	4	during	during	ADP
ajbmeb-620	25	5	the	the	DET
ajbmeb-620	25	6	years	year	NOUN
ajbmeb-620	25	7	,	,	PUNCT
ajbmeb-620	25	8	as	as	SCONJ
ajbmeb-620	25	9	it	it	PRON
ajbmeb-620	25	10	ranged	range	VERB
ajbmeb-620	25	11	between	between	ADP
ajbmeb-620	25	12	high	high	ADJ
ajbmeb-620	25	13	and	and	CCONJ
ajbmeb-620	25	14	low	low	ADJ
ajbmeb-620	25	15	.	.	PUNCT
ajbmeb-620	26	1	the	the	DET
ajbmeb-620	26	2	same	same	ADJ
ajbmeb-620	26	3	is	be	AUX
ajbmeb-620	26	4	the	the	DET
ajbmeb-620	26	5	case	case	NOUN
ajbmeb-620	26	6	between	between	ADP
ajbmeb-620	26	7	banks	bank	NOUN
ajbmeb-620	26	8	,	,	PUNCT
ajbmeb-620	26	9	as	as	SCONJ
ajbmeb-620	26	10	there	there	PRON
ajbmeb-620	26	11	is	be	VERB
ajbmeb-620	26	12	clear	clear	ADJ
ajbmeb-620	26	13	fluctuation	fluctuation	NOUN
ajbmeb-620	26	14	.	.	PUNCT
ajbmeb-620	27	1	the	the	DET
ajbmeb-620	27	2	credit	credit	NOUN
ajbmeb-620	27	3	level	level	NOUN
ajbmeb-620	27	4	was	be	AUX
ajbmeb-620	27	5	achieved	achieve	VERB
ajbmeb-620	27	6	with	with	ADP
ajbmeb-620	27	7	the	the	DET
ajbmeb-620	27	8	united	united	PROPN
ajbmeb-620	27	9	bank	bank	PROPN
ajbmeb-620	27	10	for	for	ADP
ajbmeb-620	27	11	investment	investment	NOUN
ajbmeb-620	27	12	,	,	PUNCT
ajbmeb-620	27	13	followed	follow	VERB
ajbmeb-620	27	14	by	by	ADP
ajbmeb-620	27	15	the	the	DET
ajbmeb-620	27	16	khaleeji	khaleeji	PROPN
ajbmeb-620	27	17	commercial	commercial	PROPN
ajbmeb-620	27	18	bank	bank	NOUN
ajbmeb-620	27	19	,	,	PUNCT
ajbmeb-620	27	20	but	but	CCONJ
ajbmeb-620	27	21	the	the	DET
ajbmeb-620	27	22	lowest	low	ADJ
ajbmeb-620	27	23	credit	credit	NOUN
ajbmeb-620	27	24	level	level	NOUN
ajbmeb-620	27	25	was	be	AUX
ajbmeb-620	27	26	only	only	ADV
ajbmeb-620	27	27	achieved	achieve	VERB
ajbmeb-620	27	28	with	with	ADP
ajbmeb-620	27	29	the	the	DET
ajbmeb-620	27	30	iraqi	iraqi	ADJ
ajbmeb-620	27	31	credit	credit	NOUN
ajbmeb-620	27	32	table	table	NOUN
ajbmeb-620	27	33	(	(	PUNCT
ajbmeb-620	27	34	4	4	X
ajbmeb-620	27	35	)	)	PUNCT
ajbmeb-620	27	36	bank	bank	NOUN
ajbmeb-620	27	37	credit	credit	NOUN
ajbmeb-620	27	38	growth	growth	NOUN
ajbmeb-620	27	39	for	for	ADP
ajbmeb-620	27	40	the	the	DET
ajbmeb-620	27	41	research	research	NOUN
ajbmeb-620	27	42	sample	sample	NOUN
ajbmeb-620	27	43	for	for	ADP
ajbmeb-620	27	44	the	the	DET
ajbmeb-620	27	45	period	period	NOUN
ajbmeb-620	27	46	2012	2012	NUM
ajbmeb-620	27	47	-	-	SYM
ajbmeb-620	27	48	2021	2021	NUM
ajbmeb-620	27	49	(	(	PUNCT
ajbmeb-620	27	50	%	%	INTJ
ajbmeb-620	27	51	)	)	PUNCT
ajbmeb-620	27	52	year	year	NOUN
ajbmeb-620	27	53	bank	bank	NOUN
ajbmeb-620	27	54	2012	2012	NUM
ajbmeb-620	27	55	2013	2013	NUM
ajbmeb-620	27	56	2014	2014	NUM
ajbmeb-620	27	57	2015	2015	NUM
ajbmeb-620	27	58	2016	2016	NUM
ajbmeb-620	27	59	2017	2017	NUM
ajbmeb-620	27	60	2018	2018	NUM
ajbmeb-620	27	61	2019	2019	NUM
ajbmeb-620	28	1	2020	2020	NUM
ajbmeb-620	28	2	2021	2021	NUM
ajbmeb-620	28	3	iraqi	iraqi	ADJ
ajbmeb-620	28	4	commercial	commercial	ADJ
ajbmeb-620	28	5	bank	bank	PROPN
ajbmeb-620	28	6	1.79	1.79	NUM
ajbmeb-620	28	7	-0.83	-0.83	NOUN
ajbmeb-620	28	8	0.81	0.81	NUM
ajbmeb-620	28	9	0.27	0.27	NUM
ajbmeb-620	28	10	0.09	0.09	NUM
ajbmeb-620	28	11	0.09	0.09	NUM
ajbmeb-620	28	12	0.11	0.11	NUM
ajbmeb-620	28	13	-0.04	-0.04	NUM
ajbmeb-620	28	14	0.65	0.65	NUM
ajbmeb-620	28	15	0.44	0.44	NUM
ajbmeb-620	28	16	united	united	PROPN
ajbmeb-620	28	17	bank	bank	PROPN
ajbmeb-620	28	18	for	for	ADP
ajbmeb-620	28	19	investment	investment	NOUN
ajbmeb-620	28	20	0.37	0.37	NUM
ajbmeb-620	28	21	0.40	0.40	NUM
ajbmeb-620	28	22	-0.29	-0.29	NOUN
ajbmeb-620	28	23	-0.15	-0.15	NUM
ajbmeb-620	28	24	-0.16	-0.16	NUM
ajbmeb-620	28	25	0.21	0.21	NUM
ajbmeb-620	28	26	0.04	0.04	NUM
ajbmeb-620	28	27	-0.26	-0.26	NOUN
ajbmeb-620	28	28	-0.53	-0.53	NOUN
ajbmeb-620	28	29	0.25	0.25	NUM
ajbmeb-620	28	30	gulf	gulf	PROPN
ajbmeb-620	28	31	bank	bank	PROPN
ajbmeb-620	28	32	1.44	1.44	NUM
ajbmeb-620	28	33	0.34	0.34	NUM
ajbmeb-620	28	34	0.01	0.01	NUM
ajbmeb-620	28	35	0.15	0.15	NUM
ajbmeb-620	28	36	-0.13	-0.13	NOUN
ajbmeb-620	28	37	-0.29	-0.29	NOUN
ajbmeb-620	28	38	-0.16	-0.16	PRON
ajbmeb-620	28	39	-0.16	-0.16	PRON
ajbmeb-620	28	40	-0.12	-0.12	NUM
ajbmeb-620	28	41	-0.12	-0.12	NUM
ajbmeb-620	28	42	iraqi	iraqi	ADJ
ajbmeb-620	28	43	credit	credit	PROPN
ajbmeb-620	28	44	bank	bank	PROPN
ajbmeb-620	28	45	-0.26	-0.26	PROPN
ajbmeb-620	28	46	-0.66	-0.66	NUM
ajbmeb-620	28	47	-0.51	-0.51	NOUN
ajbmeb-620	28	48	4.41	4.41	NUM
ajbmeb-620	28	49	-056	-056	PROPN
ajbmeb-620	28	50	1.85	1.85	NUM
ajbmeb-620	28	51	-0.03	-0.03	NUM
ajbmeb-620	28	52	0	0	NUM
ajbmeb-620	29	1	-0.08	-0.08	NUM
ajbmeb-620	29	2	-0.07	-0.07	NUM
ajbmeb-620	29	3	middle	middle	PROPN
ajbmeb-620	29	4	east	east	PROPN
ajbmeb-620	29	5	bank	bank	PROPN
ajbmeb-620	29	6	2.34	2.34	NUM
ajbmeb-620	29	7	0.05	0.05	NUM
ajbmeb-620	29	8	-0.10	-0.10	NUM
ajbmeb-620	29	9	-0.20	-0.20	NUM
ajbmeb-620	30	1	-0.16	-0.16	INTJ
ajbmeb-620	31	1	-0.21	-0.21	NUM
ajbmeb-620	32	1	-0.05	-0.05	NUM
ajbmeb-620	33	1	-0.01	-0.01	NUM
ajbmeb-620	33	2	-0.01	-0.01	NUM
ajbmeb-620	33	3	-0.01	-0.01	NUM
ajbmeb-620	33	4	source	source	NOUN
ajbmeb-620	33	5	/	/	SYM
ajbmeb-620	33	6	annual	annual	ADJ
ajbmeb-620	33	7	report	report	NOUN
ajbmeb-620	33	8	of	of	ADP
ajbmeb-620	33	9	banks	bank	NOUN
ajbmeb-620	33	10	,	,	PUNCT
ajbmeb-620	33	11	research	research	NOUN
ajbmeb-620	33	12	sample	sample	NOUN
ajbmeb-620	33	13	5test	5test	NUM
ajbmeb-620	33	14	research	research	NOUN
ajbmeb-620	33	15	hypotheses	hypothesis	NOUN
ajbmeb-620	33	16	through	through	ADP
ajbmeb-620	33	17	the	the	DET
ajbmeb-620	33	18	simple	simple	ADJ
ajbmeb-620	33	19	linear	linear	ADJ
ajbmeb-620	33	20	regression	regression	NOUN
ajbmeb-620	33	21	to	to	PART
ajbmeb-620	33	22	know	know	VERB
ajbmeb-620	33	23	the	the	DET
ajbmeb-620	33	24	impact	impact	NOUN
ajbmeb-620	33	25	relationships	relationship	NOUN
ajbmeb-620	33	26	of	of	ADP
ajbmeb-620	33	27	the	the	DET
ajbmeb-620	33	28	relationship	relationship	NOUN
ajbmeb-620	33	29	between	between	ADP
ajbmeb-620	33	30	the	the	DET
ajbmeb-620	33	31	deposit	deposit	NOUN
ajbmeb-620	33	32	impact	impact	NOUN
ajbmeb-620	33	33	of	of	ADP
ajbmeb-620	33	34	credit	credit	NOUN
ajbmeb-620	33	35	banking	banking	NOUN
ajbmeb-620	33	36	and	and	CCONJ
ajbmeb-620	33	37	the	the	DET
ajbmeb-620	33	38	value	value	NOUN
ajbmeb-620	33	39	of	of	ADP
ajbmeb-620	33	40	(	(	PUNCT
ajbmeb-620	33	41	f	f	NOUN
ajbmeb-620	33	42	)	)	PUNCT
ajbmeb-620	33	43	calculated	calculate	VERB
ajbmeb-620	33	44	(	(	PUNCT
ajbmeb-620	33	45	4.894	4.894	NUM
ajbmeb-620	33	46	)	)	PUNCT
ajbmeb-620	33	47	and	and	CCONJ
ajbmeb-620	33	48	moral	moral	ADJ
ajbmeb-620	33	49	(	(	PUNCT
ajbmeb-620	33	50	0.032	0.032	NUM
ajbmeb-620	33	51	)	)	PUNCT
ajbmeb-620	33	52	which	which	PRON
ajbmeb-620	33	53	indicates	indicate	VERB
ajbmeb-620	33	54	that	that	SCONJ
ajbmeb-620	33	55	there	there	PRON
ajbmeb-620	33	56	is	be	VERB
ajbmeb-620	33	57	a	a	DET
ajbmeb-620	33	58	significant	significant	ADJ
ajbmeb-620	33	59	impact	impact	NOUN
ajbmeb-620	33	60	of	of	ADP
ajbmeb-620	33	61	the	the	DET
ajbmeb-620	33	62	deposit	deposit	NOUN
ajbmeb-620	33	63	impact	impact	NOUN
ajbmeb-620	33	64	of	of	ADP
ajbmeb-620	33	65	credit	credit	NOUN
ajbmeb-620	33	66	banking	banking	NOUN
ajbmeb-620	33	67	the	the	DET
ajbmeb-620	33	68	coefficient	coefficient	NOUN
ajbmeb-620	33	69	of	of	ADP
ajbmeb-620	33	70	determination	determination	NOUN
ajbmeb-620	33	71	(	(	PUNCT
ajbmeb-620	33	72	r2	r2	NOUN
ajbmeb-620	33	73	)	)	PUNCT
ajbmeb-620	33	74	tables	table	NOUN
ajbmeb-620	33	75	(	(	PUNCT
ajbmeb-620	33	76	5,6	5,6	NUM
ajbmeb-620	33	77	)	)	PUNCT
ajbmeb-620	33	78	below	below	ADP
ajbmeb-620	33	79	show	show	VERB
ajbmeb-620	33	80	the	the	DET
ajbmeb-620	33	81	results	result	NOUN
ajbmeb-620	33	82	table	table	NOUN
ajbmeb-620	33	83	(	(	PUNCT
ajbmeb-620	34	1	5	5	NUM
ajbmeb-620	34	2	)	)	PUNCT
ajbmeb-620	34	3	form	form	NOUN
ajbmeb-620	34	4	summary	summary	NOUN
ajbmeb-620	34	5	model	model	NOUN
ajbmeb-620	34	6	summaryb	summaryb	PROPN
ajbmeb-620	34	7	model	model	PROPN
ajbmeb-620	34	8	summaryb	summaryb	PROPN
ajbmeb-620	34	9	model	model	NOUN
ajbmeb-620	34	10	r	r	NOUN
ajbmeb-620	34	11	r	r	NOUN
ajbmeb-620	34	12	square	square	ADJ
ajbmeb-620	34	13	adjusted	adjust	VERB
ajbmeb-620	34	14	r	r	NOUN
ajbmeb-620	34	15	square	square	ADJ
ajbmeb-620	34	16	std	std	NOUN
ajbmeb-620	34	17	.	.	PUNCT
ajbmeb-620	35	1	error	error	NOUN
ajbmeb-620	35	2	of	of	ADP
ajbmeb-620	35	3	the	the	DET
ajbmeb-620	35	4	estimate	estimate	NOUN
ajbmeb-620	35	5	change	change	NOUN
ajbmeb-620	35	6	statistics	statistic	NOUN
ajbmeb-620	35	7	durbinwatson	durbinwatson	NOUN
ajbmeb-620	35	8	r	r	NOUN
ajbmeb-620	35	9	square	square	ADJ
ajbmeb-620	35	10	change	change	NOUN
ajbmeb-620	35	11	f	f	PROPN
ajbmeb-620	35	12	change	change	NOUN
ajbmeb-620	35	13	df1	df1	PROPN
ajbmeb-620	35	14	df2	df2	PROPN
ajbmeb-620	35	15	sig	sig	PROPN
ajbmeb-620	35	16	.	.	PUNCT
ajbmeb-620	36	1	f	f	PROPN
ajbmeb-620	36	2	change	change	VERB
ajbmeb-620	36	3	1	1	NUM
ajbmeb-620	36	4	.304a	.304a	PROPN
ajbmeb-620	36	5	.093	.093	NUM
ajbmeb-620	36	6	.074	.074	NUM
ajbmeb-620	37	1	129886.360	129886.360	NUM
ajbmeb-620	37	2	.093	.093	NUM
ajbmeb-620	37	3	4.894	4.894	NUM
ajbmeb-620	37	4	1	1	NUM
ajbmeb-620	37	5	48	48	NUM
ajbmeb-620	37	6	.032	.032	NUM
ajbmeb-620	37	7	1.985	1.985	NUM
ajbmeb-620	37	8	american	american	PROPN
ajbmeb-620	37	9	journal	journal	PROPN
ajbmeb-620	37	10	of	of	ADP
ajbmeb-620	37	11	business	business	NOUN
ajbmeb-620	37	12	management	management	NOUN
ajbmeb-620	37	13	,	,	PUNCT
ajbmeb-620	37	14	economics	economic	NOUN
ajbmeb-620	37	15	and	and	CCONJ
ajbmeb-620	37	16	banking	banking	NOUN
ajbmeb-620	37	17	volume	volume	NOUN
ajbmeb-620	37	18	11	11	NUM
ajbmeb-620	37	19	april	april	PROPN
ajbmeb-620	37	20	,	,	PUNCT
ajbmeb-620	37	21	2023	2023	NUM
ajbmeb-620	37	22	p	p	NOUN
ajbmeb-620	37	23	a	a	DET
ajbmeb-620	37	24	g	g	NOUN
ajbmeb-620	37	25	e	e	NOUN
ajbmeb-620	37	26	|	|	ADV
ajbmeb-620	37	27	72	72	NUM
ajbmeb-620	37	28	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-620	37	29	a.	a.	NOUN
ajbmeb-620	37	30	predictors	predictor	NOUN
ajbmeb-620	37	31	:	:	PUNCT
ajbmeb-620	37	32	(	(	PUNCT
ajbmeb-620	37	33	constant	constant	ADJ
ajbmeb-620	37	34	)	)	PUNCT
ajbmeb-620	37	35	,	,	PUNCT
ajbmeb-620	37	36	x1	x1	PROPN
ajbmeb-620	37	37	b.	b.	PROPN
ajbmeb-620	38	1	dependent	dependent	ADJ
ajbmeb-620	38	2	variable	variable	NOUN
ajbmeb-620	38	3	:	:	PUNCT
ajbmeb-620	38	4	x2	x2	PROPN
ajbmeb-620	38	5	table	table	NOUN
ajbmeb-620	38	6	(	(	PUNCT
ajbmeb-620	38	7	5	5	NUM
ajbmeb-620	38	8	)	)	PUNCT
ajbmeb-620	38	9	shows	show	VERB
ajbmeb-620	38	10	a	a	DET
ajbmeb-620	38	11	summary	summary	NOUN
ajbmeb-620	38	12	of	of	ADP
ajbmeb-620	38	13	the	the	DET
ajbmeb-620	38	14	model	model	NOUN
ajbmeb-620	38	15	.	.	PUNCT
ajbmeb-620	39	1	as	as	SCONJ
ajbmeb-620	39	2	noted	note	VERB
ajbmeb-620	39	3	,	,	PUNCT
ajbmeb-620	39	4	the	the	DET
ajbmeb-620	39	5	(	(	PUNCT
ajbmeb-620	39	6	durbin	durbin	NOUN
ajbmeb-620	39	7	-	-	PUNCT
ajbmeb-620	39	8	watson	watson	NOUN
ajbmeb-620	39	9	)	)	PUNCT
ajbmeb-620	39	10	value	value	NOUN
ajbmeb-620	39	11	is	be	AUX
ajbmeb-620	39	12	a	a	DET
ajbmeb-620	39	13	good	good	ADJ
ajbmeb-620	39	14	value	value	NOUN
ajbmeb-620	39	15	,	,	PUNCT
ajbmeb-620	39	16	as	as	SCONJ
ajbmeb-620	39	17	it	it	PRON
ajbmeb-620	39	18	is	be	AUX
ajbmeb-620	39	19	an	an	DET
ajbmeb-620	39	20	average	average	ADJ
ajbmeb-620	39	21	value	value	NOUN
ajbmeb-620	39	22	and	and	CCONJ
ajbmeb-620	39	23	is	be	AUX
ajbmeb-620	39	24	close	close	ADJ
ajbmeb-620	39	25	to	to	ADP
ajbmeb-620	39	26	(	(	PUNCT
ajbmeb-620	39	27	2	2	NUM
ajbmeb-620	39	28	)	)	PUNCT
ajbmeb-620	39	29	,	,	PUNCT
ajbmeb-620	39	30	meaning	mean	VERB
ajbmeb-620	39	31	that	that	SCONJ
ajbmeb-620	39	32	the	the	DET
ajbmeb-620	39	33	errors	error	NOUN
ajbmeb-620	39	34	of	of	ADP
ajbmeb-620	39	35	successive	successive	ADJ
ajbmeb-620	39	36	observations	observation	NOUN
ajbmeb-620	39	37	are	be	AUX
ajbmeb-620	39	38	independent	independent	ADJ
ajbmeb-620	39	39	of	of	ADP
ajbmeb-620	39	40	each	each	DET
ajbmeb-620	39	41	other	other	ADJ
ajbmeb-620	39	42	,	,	PUNCT
ajbmeb-620	39	43	which	which	PRON
ajbmeb-620	39	44	is	be	AUX
ajbmeb-620	39	45	the	the	DET
ajbmeb-620	39	46	test	test	NOUN
ajbmeb-620	39	47	of	of	ADP
ajbmeb-620	39	48	independence	independence	NOUN
ajbmeb-620	39	49	table	table	NOUN
ajbmeb-620	39	50	(	(	PUNCT
ajbmeb-620	39	51	6	6	NUM
ajbmeb-620	39	52	)	)	PUNCT
ajbmeb-620	39	53	test	test	NOUN
ajbmeb-620	39	54	value	value	NOUN
ajbmeb-620	39	55	(	(	PUNCT
ajbmeb-620	39	56	f	f	X
ajbmeb-620	39	57	)	)	PUNCT
ajbmeb-620	39	58	anovaa	anovaa	PROPN
ajbmeb-620	39	59	model	model	PROPN
ajbmeb-620	39	60	sum	sum	NOUN
ajbmeb-620	39	61	of	of	ADP
ajbmeb-620	39	62	squares	square	NOUN
ajbmeb-620	40	1	df	df	PROPN
ajbmeb-620	40	2	mean	mean	PROPN
ajbmeb-620	40	3	square	square	PROPN
ajbmeb-620	40	4	f	f	PROPN
ajbmeb-620	40	5	sig	sig	PROPN
ajbmeb-620	40	6	.	.	PROPN
ajbmeb-620	40	7	1	1	NUM
ajbmeb-620	40	8	regression	regression	NOUN
ajbmeb-620	40	9	8257202477	8257202477	NUM
ajbmeb-620	40	10	2.297	2.297	NUM
ajbmeb-620	40	11	1	1	NUM
ajbmeb-620	40	12	82572024772	82572024772	NUM
ajbmeb-620	40	13	.297	.297	NUM
ajbmeb-620	40	14	4.894	4.894	NUM
ajbmeb-620	40	15	.032b	.032b	PROPN
ajbmeb-620	40	16	residual	residual	ADJ
ajbmeb-620	40	17	8097823985	8097823985	NUM
ajbmeb-620	40	18	45.783	45.783	NUM
ajbmeb-620	40	19	48	48	NUM
ajbmeb-620	40	20	16870466636	16870466636	NUM
ajbmeb-620	40	21	.370	.370	NUM
ajbmeb-620	40	22	total	total	NOUN
ajbmeb-620	40	23	8923544233	8923544233	NUM
ajbmeb-620	40	24	18.080	18.080	NUM
ajbmeb-620	40	25	49	49	NUM
ajbmeb-620	40	26	a.	a.	NOUN
ajbmeb-620	40	27	dependent	dependent	ADJ
ajbmeb-620	40	28	variable	variable	NOUN
ajbmeb-620	40	29	:	:	PUNCT
ajbmeb-620	40	30	x2	x2	PROPN
ajbmeb-620	40	31	b.	b.	PROPN
ajbmeb-620	40	32	predictors	predictor	NOUN
ajbmeb-620	40	33	:	:	PUNCT
ajbmeb-620	40	34	(	(	PUNCT
ajbmeb-620	40	35	constant	constant	ADJ
ajbmeb-620	40	36	)	)	PUNCT
ajbmeb-620	40	37	,	,	PUNCT
ajbmeb-620	40	38	x1	x1	PROPN
ajbmeb-620	40	39	table	table	NOUN
ajbmeb-620	40	40	(	(	PUNCT
ajbmeb-620	40	41	6	6	NUM
ajbmeb-620	40	42	)	)	PUNCT
ajbmeb-620	40	43	shows	show	VERB
ajbmeb-620	40	44	the	the	DET
ajbmeb-620	40	45	(	(	PUNCT
ajbmeb-620	40	46	f	f	NOUN
ajbmeb-620	40	47	)	)	PUNCT
ajbmeb-620	40	48	test	test	NOUN
ajbmeb-620	40	49	,	,	PUNCT
ajbmeb-620	40	50	and	and	CCONJ
ajbmeb-620	40	51	as	as	SCONJ
ajbmeb-620	40	52	noted	note	VERB
ajbmeb-620	40	53	,	,	PUNCT
ajbmeb-620	40	54	its	its	PRON
ajbmeb-620	40	55	value	value	NOUN
ajbmeb-620	40	56	is	be	AUX
ajbmeb-620	40	57	(	(	PUNCT
ajbmeb-620	40	58	4.894	4.894	NUM
ajbmeb-620	40	59	)	)	PUNCT
ajbmeb-620	40	60	,	,	PUNCT
ajbmeb-620	40	61	with	with	ADP
ajbmeb-620	40	62	a	a	DET
ajbmeb-620	40	63	significance	significance	NOUN
ajbmeb-620	40	64	of	of	ADP
ajbmeb-620	40	65	(	(	PUNCT
ajbmeb-620	40	66	0.032	0.032	NUM
ajbmeb-620	40	67	)	)	PUNCT
ajbmeb-620	40	68	,	,	PUNCT
ajbmeb-620	40	69	which	which	PRON
ajbmeb-620	40	70	is	be	AUX
ajbmeb-620	40	71	greater	great	ADJ
ajbmeb-620	40	72	than	than	ADP
ajbmeb-620	40	73	the	the	DET
ajbmeb-620	40	74	tabular	tabular	ADJ
ajbmeb-620	40	75	value	value	NOUN
ajbmeb-620	40	76	of	of	ADP
ajbmeb-620	40	77	(	(	PUNCT
ajbmeb-620	40	78	4.08	4.08	NUM
ajbmeb-620	40	79	)	)	PUNCT
ajbmeb-620	40	80	,	,	PUNCT
ajbmeb-620	40	81	and	and	CCONJ
ajbmeb-620	40	82	at	at	ADP
ajbmeb-620	40	83	a	a	DET
ajbmeb-620	40	84	significant	significant	ADJ
ajbmeb-620	40	85	level	level	NOUN
ajbmeb-620	40	86	(	(	PUNCT
ajbmeb-620	40	87	0.05	0.05	NUM
ajbmeb-620	40	88	)	)	PUNCT
ajbmeb-620	40	89	,	,	PUNCT
ajbmeb-620	40	90	which	which	PRON
ajbmeb-620	40	91	means	mean	VERB
ajbmeb-620	40	92	that	that	SCONJ
ajbmeb-620	40	93	there	there	PRON
ajbmeb-620	40	94	is	be	VERB
ajbmeb-620	40	95	a	a	DET
ajbmeb-620	40	96	significant	significant	ADJ
ajbmeb-620	40	97	effect	effect	NOUN
ajbmeb-620	40	98	of	of	ADP
ajbmeb-620	40	99	deposits	deposit	NOUN
ajbmeb-620	40	100	in	in	ADP
ajbmeb-620	40	101	bank	bank	NOUN
ajbmeb-620	40	102	credit	credit	NOUN
ajbmeb-620	40	103	8conclusions	8conclusion	NOUN
ajbmeb-620	40	104	this	this	DET
ajbmeb-620	40	105	paragraph	paragraph	NOUN
ajbmeb-620	40	106	aims	aim	VERB
ajbmeb-620	40	107	at	at	ADP
ajbmeb-620	40	108	the	the	DET
ajbmeb-620	40	109	most	most	ADV
ajbmeb-620	40	110	important	important	ADJ
ajbmeb-620	40	111	conclusions	conclusion	NOUN
ajbmeb-620	40	112	of	of	ADP
ajbmeb-620	40	113	the	the	DET
ajbmeb-620	40	114	research	research	NOUN
ajbmeb-620	40	115	from	from	ADP
ajbmeb-620	40	116	the	the	DET
ajbmeb-620	40	117	analysis	analysis	NOUN
ajbmeb-620	40	118	and	and	CCONJ
ajbmeb-620	40	119	testing	testing	NOUN
ajbmeb-620	40	120	of	of	ADP
ajbmeb-620	40	121	hypotheses	hypothesis	NOUN
ajbmeb-620	40	122	.	.	PUNCT
ajbmeb-620	41	1	therefore	therefore	ADV
ajbmeb-620	41	2	,	,	PUNCT
ajbmeb-620	41	3	the	the	DET
ajbmeb-620	41	4	following	follow	VERB
ajbmeb-620	41	5	conclusions	conclusion	NOUN
ajbmeb-620	41	6	have	have	AUX
ajbmeb-620	41	7	been	be	AUX
ajbmeb-620	41	8	reached	reach	VERB
ajbmeb-620	41	9	:	:	PUNCT
ajbmeb-620	41	10	the	the	DET
ajbmeb-620	41	11	research	research	NOUN
ajbmeb-620	41	12	indicated	indicate	VERB
ajbmeb-620	41	13	that	that	SCONJ
ajbmeb-620	41	14	the	the	DET
ajbmeb-620	41	15	employment	employment	NOUN
ajbmeb-620	41	16	of	of	ADP
ajbmeb-620	41	17	loans	loan	NOUN
ajbmeb-620	41	18	in	in	ADP
ajbmeb-620	41	19	relation	relation	NOUN
ajbmeb-620	41	20	to	to	ADP
ajbmeb-620	41	21	assets	asset	NOUN
ajbmeb-620	41	22	was	be	AUX
ajbmeb-620	41	23	below	below	ADP
ajbmeb-620	41	24	the	the	DET
ajbmeb-620	41	25	required	require	VERB
ajbmeb-620	41	26	level	level	NOUN
ajbmeb-620	41	27	for	for	ADP
ajbmeb-620	41	28	the	the	DET
ajbmeb-620	41	29	banks	bank	NOUN
ajbmeb-620	41	30	,	,	PUNCT
ajbmeb-620	41	31	the	the	DET
ajbmeb-620	41	32	research	research	NOUN
ajbmeb-620	41	33	sample	sample	NOUN
ajbmeb-620	41	34	,	,	PUNCT
ajbmeb-620	41	35	which	which	PRON
ajbmeb-620	41	36	is	be	AUX
ajbmeb-620	41	37	a	a	DET
ajbmeb-620	41	38	negative	negative	ADJ
ajbmeb-620	41	39	indicator	indicator	NOUN
ajbmeb-620	41	40	that	that	PRON
ajbmeb-620	41	41	leads	lead	VERB
ajbmeb-620	41	42	to	to	ADP
ajbmeb-620	41	43	the	the	DET
ajbmeb-620	41	44	freezing	freezing	NOUN
ajbmeb-620	41	45	of	of	ADP
ajbmeb-620	41	46	funds	fund	NOUN
ajbmeb-620	41	47	without	without	ADP
ajbmeb-620	41	48	investment	investment	NOUN
ajbmeb-620	41	49	,	,	PUNCT
ajbmeb-620	41	50	although	although	SCONJ
ajbmeb-620	41	51	the	the	DET
ajbmeb-620	41	52	banking	banking	NOUN
ajbmeb-620	41	53	law	law	NOUN
ajbmeb-620	41	54	no	no	INTJ
ajbmeb-620	41	55	.	.	PROPN
ajbmeb-620	41	56	94	94	NUM
ajbmeb-620	41	57	of	of	ADP
ajbmeb-620	41	58	2004	2004	NUM
ajbmeb-620	41	59	encourages	encourage	VERB
ajbmeb-620	41	60	banks	bank	NOUN
ajbmeb-620	41	61	to	to	PART
ajbmeb-620	41	62	increase	increase	VERB
ajbmeb-620	41	63	the	the	DET
ajbmeb-620	41	64	credit	credit	NOUN
ajbmeb-620	41	65	granted	grant	VERB
ajbmeb-620	41	66	to	to	ADP
ajbmeb-620	41	67	the	the	DET
ajbmeb-620	41	68	economic	economic	ADJ
ajbmeb-620	41	69	sectors	sector	NOUN
ajbmeb-620	41	70	and	and	CCONJ
ajbmeb-620	41	71	advance	advance	VERB
ajbmeb-620	41	72	them	they	PRON
ajbmeb-620	41	73	for	for	ADP
ajbmeb-620	41	74	the	the	DET
ajbmeb-620	41	75	benefit	benefit	NOUN
ajbmeb-620	41	76	of	of	ADP
ajbmeb-620	41	77	the	the	DET
ajbmeb-620	41	78	economy	economy	NOUN
ajbmeb-620	41	79	,	,	PUNCT
ajbmeb-620	41	80	and	and	CCONJ
ajbmeb-620	41	81	there	there	PRON
ajbmeb-620	41	82	must	must	AUX
ajbmeb-620	41	83	be	be	AUX
ajbmeb-620	41	84	a	a	DET
ajbmeb-620	41	85	balance	balance	NOUN
ajbmeb-620	41	86	between	between	ADP
ajbmeb-620	41	87	the	the	DET
ajbmeb-620	41	88	total	total	ADJ
ajbmeb-620	41	89	loans	loan	NOUN
ajbmeb-620	41	90	and	and	CCONJ
ajbmeb-620	41	91	total	total	ADJ
ajbmeb-620	41	92	deposits	deposit	NOUN
ajbmeb-620	41	93	,	,	PUNCT
ajbmeb-620	41	94	as	as	SCONJ
ajbmeb-620	41	95	we	we	PRON
ajbmeb-620	41	96	note	note	VERB
ajbmeb-620	41	97	some	some	PRON
ajbmeb-620	41	98	of	of	ADP
ajbmeb-620	41	99	the	the	DET
ajbmeb-620	41	100	banks	bank	NOUN
ajbmeb-620	41	101	in	in	ADP
ajbmeb-620	41	102	the	the	DET
ajbmeb-620	41	103	research	research	NOUN
ajbmeb-620	41	104	sample	sample	NOUN
ajbmeb-620	41	105	were	be	AUX
ajbmeb-620	41	106	of	of	ADP
ajbmeb-620	41	107	high	high	ADJ
ajbmeb-620	41	108	risk	risk	NOUN
ajbmeb-620	41	109	.	.	PUNCT
ajbmeb-620	42	1	an	an	DET
ajbmeb-620	42	2	effect	effect	NOUN
ajbmeb-620	42	3	relationship	relationship	NOUN
ajbmeb-620	42	4	indicates	indicate	VERB
ajbmeb-620	42	5	the	the	DET
ajbmeb-620	42	6	growth	growth	NOUN
ajbmeb-620	42	7	of	of	ADP
ajbmeb-620	42	8	the	the	DET
ajbmeb-620	42	9	volume	volume	NOUN
ajbmeb-620	42	10	of	of	ADP
ajbmeb-620	42	11	deposits	deposit	NOUN
ajbmeb-620	42	12	in	in	ADP
ajbmeb-620	42	13	bank	bank	NOUN
ajbmeb-620	42	14	credit	credit	NOUN
ajbmeb-620	42	15	,	,	PUNCT
ajbmeb-620	42	16	and	and	CCONJ
ajbmeb-620	42	17	this	this	PRON
ajbmeb-620	42	18	came	come	VERB
ajbmeb-620	42	19	in	in	ADP
ajbmeb-620	42	20	conformity	conformity	NOUN
ajbmeb-620	42	21	with	with	ADP
ajbmeb-620	42	22	the	the	DET
ajbmeb-620	42	23	main	main	ADJ
ajbmeb-620	42	24	research	research	NOUN
ajbmeb-620	42	25	hypothesis	hypothesis	NOUN
ajbmeb-620	42	26	.	.	PUNCT
ajbmeb-620	43	1	therefore	therefore	ADV
ajbmeb-620	43	2	,	,	PUNCT
ajbmeb-620	43	3	the	the	DET
ajbmeb-620	43	4	need	need	NOUN
ajbmeb-620	43	5	for	for	ADP
ajbmeb-620	43	6	the	the	DET
ajbmeb-620	43	7	research	research	NOUN
ajbmeb-620	43	8	sample	sample	NOUN
ajbmeb-620	43	9	banks	bank	NOUN
ajbmeb-620	43	10	to	to	PART
ajbmeb-620	43	11	determine	determine	VERB
ajbmeb-620	43	12	the	the	DET
ajbmeb-620	43	13	different	different	ADJ
ajbmeb-620	43	14	levels	level	NOUN
ajbmeb-620	43	15	of	of	ADP
ajbmeb-620	43	16	credit	credit	NOUN
ajbmeb-620	43	17	and	and	CCONJ
ajbmeb-620	43	18	to	to	PART
ajbmeb-620	43	19	stand	stand	VERB
ajbmeb-620	43	20	on	on	ADP
ajbmeb-620	43	21	the	the	DET
ajbmeb-620	43	22	size	size	NOUN
ajbmeb-620	43	23	of	of	ADP
ajbmeb-620	43	24	the	the	DET
ajbmeb-620	43	25	credit	credit	NOUN
ajbmeb-620	43	26	portfolio	portfolio	NOUN
ajbmeb-620	43	27	,	,	PUNCT
ajbmeb-620	43	28	because	because	SCONJ
ajbmeb-620	43	29	of	of	ADP
ajbmeb-620	43	30	the	the	DET
ajbmeb-620	43	31	proper	proper	ADJ
ajbmeb-620	43	32	employment	employment	NOUN
ajbmeb-620	43	33	and	and	CCONJ
ajbmeb-620	43	34	investment	investment	NOUN
ajbmeb-620	43	35	of	of	ADP
ajbmeb-620	43	36	credit	credit	NOUN
ajbmeb-620	43	37	.	.	PUNCT
ajbmeb-620	44	1	non	non	ADJ
ajbmeb-620	44	2	-	-	ADJ
ajbmeb-620	44	3	performing	perform	VERB
ajbmeb-620	44	4	loans	loan	NOUN
ajbmeb-620	44	5	should	should	AUX
ajbmeb-620	44	6	be	be	AUX
ajbmeb-620	44	7	avoided	avoid	VERB
ajbmeb-620	44	8	through	through	ADP
ajbmeb-620	44	9	extensive	extensive	ADJ
ajbmeb-620	44	10	study	study	NOUN
ajbmeb-620	44	11	and	and	CCONJ
ajbmeb-620	44	12	analysis	analysis	NOUN
ajbmeb-620	44	13	of	of	ADP
ajbmeb-620	44	14	credit	credit	NOUN
ajbmeb-620	44	15	granted	grant	VERB
ajbmeb-620	44	16	to	to	ADP
ajbmeb-620	44	17	banks	bank	NOUN
ajbmeb-620	44	18	to	to	PART
ajbmeb-620	44	19	avoid	avoid	VERB
ajbmeb-620	44	20	risks	risk	NOUN
ajbmeb-620	44	21	and	and	CCONJ
ajbmeb-620	44	22	loss	loss	NOUN
ajbmeb-620	44	23	of	of	ADP
ajbmeb-620	44	24	loans	loan	NOUN
ajbmeb-620	44	25	and	and	CCONJ
ajbmeb-620	44	26	credit	credit	NOUN
ajbmeb-620	44	27	.	.	PUNCT
ajbmeb-620	45	1	banks	bank	NOUN
ajbmeb-620	45	2	must	must	AUX
ajbmeb-620	45	3	strike	strike	VERB
ajbmeb-620	45	4	a	a	DET
ajbmeb-620	45	5	balance	balance	NOUN
ajbmeb-620	45	6	between	between	ADP
ajbmeb-620	45	7	granted	grant	VERB
ajbmeb-620	45	8	credit	credit	NOUN
ajbmeb-620	45	9	and	and	CCONJ
ajbmeb-620	45	10	deposits	deposit	NOUN
ajbmeb-620	45	11	to	to	PART
ajbmeb-620	45	12	avoid	avoid	VERB
ajbmeb-620	45	13	high	high	ADJ
ajbmeb-620	45	14	risk	risk	NOUN
ajbmeb-620	45	15	or	or	CCONJ
ajbmeb-620	45	16	freezing	freezing	NOUN
ajbmeb-620	45	17	of	of	ADP
ajbmeb-620	45	18	capital	capital	NOUN
ajbmeb-620	45	19	.	.	PUNCT
ajbmeb-620	46	1	it	it	PRON
ajbmeb-620	46	2	also	also	ADV
ajbmeb-620	46	3	requires	require	VERB
ajbmeb-620	46	4	banks	bank	NOUN
ajbmeb-620	46	5	to	to	PART
ajbmeb-620	46	6	pay	pay	VERB
ajbmeb-620	46	7	attention	attention	NOUN
ajbmeb-620	46	8	to	to	ADP
ajbmeb-620	46	9	analyzing	analyze	VERB
ajbmeb-620	46	10	deposits	deposit	NOUN
ajbmeb-620	46	11	and	and	CCONJ
ajbmeb-620	46	12	credit	credit	NOUN
ajbmeb-620	46	13	,	,	PUNCT
ajbmeb-620	46	14	which	which	PRON
ajbmeb-620	46	15	contributes	contribute	VERB
ajbmeb-620	46	16	to	to	ADP
ajbmeb-620	46	17	determining	determine	VERB
ajbmeb-620	46	18	the	the	DET
ajbmeb-620	46	19	bank	bank	NOUN
ajbmeb-620	46	20	’s	’s	PART
ajbmeb-620	46	21	competitiveness	competitiveness	NOUN
ajbmeb-620	46	22	in	in	ADP
ajbmeb-620	46	23	the	the	DET
ajbmeb-620	46	24	financial	financial	ADJ
ajbmeb-620	46	25	market	market	NOUN
ajbmeb-620	46	26	and	and	CCONJ
ajbmeb-620	46	27	the	the	DET
ajbmeb-620	46	28	enhancement	enhancement	NOUN
ajbmeb-620	46	29	of	of	ADP
ajbmeb-620	46	30	the	the	DET
ajbmeb-620	46	31	market	market	NOUN
ajbmeb-620	46	32	value	value	NOUN
ajbmeb-620	46	33	and	and	CCONJ
ajbmeb-620	46	34	thus	thus	ADV
ajbmeb-620	46	35	its	its	PRON
ajbmeb-620	46	36	reflection	reflection	NOUN
ajbmeb-620	46	37	in	in	ADP
ajbmeb-620	46	38	the	the	DET
ajbmeb-620	46	39	bank	bank	NOUN
ajbmeb-620	46	40	's	's	PART
ajbmeb-620	46	41	reputation	reputation	NOUN
ajbmeb-620	46	42	.	.	PUNCT
ajbmeb-620	47	1	it	it	PRON
ajbmeb-620	47	2	also	also	ADV
ajbmeb-620	47	3	requires	require	VERB
ajbmeb-620	47	4	credit	credit	NOUN
ajbmeb-620	47	5	analysis	analysis	NOUN
ajbmeb-620	47	6	for	for	ADP
ajbmeb-620	47	7	each	each	DET
ajbmeb-620	47	8	bank	bank	NOUN
ajbmeb-620	47	9	and	and	CCONJ
ajbmeb-620	47	10	the	the	DET
ajbmeb-620	47	11	role	role	NOUN
ajbmeb-620	47	12	of	of	ADP
ajbmeb-620	47	13	each	each	DET
ajbmeb-620	47	14	element	element	NOUN
ajbmeb-620	47	15	of	of	ADP
ajbmeb-620	47	16	credit	credit	NOUN
ajbmeb-620	47	17	that	that	PRON
ajbmeb-620	47	18	leads	lead	VERB
ajbmeb-620	47	19	to	to	ADP
ajbmeb-620	47	20	a	a	DET
ajbmeb-620	47	21	credit	credit	NOUN
ajbmeb-620	47	22	portfolio	portfolio	NOUN
ajbmeb-620	47	23	of	of	ADP
ajbmeb-620	47	24	high	high	ADJ
ajbmeb-620	47	25	quality	quality	NOUN
ajbmeb-620	47	26	.	.	PUNCT
ajbmeb-620	47	27	.	.	PUNCT
ajbmeb-620	48	1	american	american	PROPN
ajbmeb-620	48	2	journal	journal	PROPN
ajbmeb-620	48	3	of	of	ADP
ajbmeb-620	48	4	business	business	NOUN
ajbmeb-620	48	5	management	management	NOUN
ajbmeb-620	48	6	,	,	PUNCT
ajbmeb-620	48	7	economics	economic	NOUN
ajbmeb-620	48	8	and	and	CCONJ
ajbmeb-620	48	9	banking	banking	NOUN
ajbmeb-620	48	10	volume	volume	NOUN
ajbmeb-620	48	11	11	11	NUM
ajbmeb-620	48	12	april	april	PROPN
ajbmeb-620	48	13	,	,	PUNCT
ajbmeb-620	48	14	2023	2023	NUM
ajbmeb-620	48	15	p	p	NOUN
ajbmeb-620	48	16	a	a	DET
ajbmeb-620	48	17	g	g	NOUN
ajbmeb-620	48	18	e	e	NOUN
ajbmeb-620	49	1	|	|	ADV
ajbmeb-620	49	2	73	73	NUM
ajbmeb-620	49	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-620	49	4	references	reference	NOUN
ajbmeb-620	49	5	1	1	NUM
ajbmeb-620	49	6	.	.	PUNCT
ajbmeb-620	50	1	the	the	DET
ajbmeb-620	50	2	official	official	ADJ
ajbmeb-620	50	3	annual	annual	ADJ
ajbmeb-620	50	4	reports	report	NOUN
ajbmeb-620	50	5	of	of	ADP
ajbmeb-620	50	6	the	the	DET
ajbmeb-620	50	7	banks	bank	NOUN
ajbmeb-620	50	8	,	,	PUNCT
ajbmeb-620	50	9	the	the	DET
ajbmeb-620	50	10	research	research	NOUN
ajbmeb-620	50	11	sample	sample	NOUN
ajbmeb-620	50	12	for	for	ADP
ajbmeb-620	50	13	the	the	DET
ajbmeb-620	50	14	period	period	NOUN
ajbmeb-620	50	15	from	from	ADP
ajbmeb-620	50	16	2012	2012	NUM
ajbmeb-620	50	17	-	-	SYM
ajbmeb-620	50	18	2021	2021	NUM
ajbmeb-620	50	19	/	/	PUNCT
ajbmeb-620	50	20	the	the	DET
ajbmeb-620	50	21	iraqi	iraqi	ADJ
ajbmeb-620	50	22	securities	securities	PROPN
ajbmeb-620	50	23	commission	commission	PROPN
ajbmeb-620	50	24	,	,	PUNCT
ajbmeb-620	50	25	the	the	DET
ajbmeb-620	50	26	official	official	ADJ
ajbmeb-620	50	27	website	website	NOUN
ajbmeb-620	50	28	.	.	PUNCT
ajbmeb-620	51	1	2	2	X
ajbmeb-620	51	2	.	.	X
ajbmeb-620	51	3	hassan	hassan	PROPN
ajbmeb-620	51	4	,	,	PUNCT
ajbmeb-620	51	5	salah	salah	PROPN
ajbmeb-620	51	6	,	,	PUNCT
ajbmeb-620	51	7	(	(	PUNCT
ajbmeb-620	51	8	2011	2011	NUM
ajbmeb-620	51	9	)	)	PUNCT
ajbmeb-620	51	10	,	,	PUNCT
ajbmeb-620	51	11	“	"	PUNCT
ajbmeb-620	51	12	banks	bank	NOUN
ajbmeb-620	51	13	and	and	CCONJ
ajbmeb-620	51	14	the	the	DET
ajbmeb-620	51	15	risks	risk	NOUN
ajbmeb-620	51	16	of	of	ADP
ajbmeb-620	51	17	global	global	ADJ
ajbmeb-620	51	18	financial	financial	ADJ
ajbmeb-620	51	19	markets	market	NOUN
ajbmeb-620	51	20	”	"	PUNCT
ajbmeb-620	51	21	,	,	PUNCT
ajbmeb-620	51	22	dar	dar	PROPN
ajbmeb-620	51	23	al	al	PROPN
ajbmeb-620	51	24	-	-	PUNCT
ajbmeb-620	51	25	kitab	kitab	PROPN
ajbmeb-620	51	26	alhadith	alhadith	NOUN
ajbmeb-620	51	27	,	,	PUNCT
ajbmeb-620	51	28	cairo	cairo	PROPN
ajbmeb-620	51	29	,	,	PUNCT
ajbmeb-620	51	30	egypt	egypt	PROPN
ajbmeb-620	51	31	.	.	PUNCT
ajbmeb-620	52	1	3	3	X
ajbmeb-620	52	2	.	.	X
ajbmeb-620	52	3	majumdar	majumdar	PROPN
ajbmeb-620	52	4	,	,	PUNCT
ajbmeb-620	52	5	n.c	n.c	PROPN
ajbmeb-620	52	6	.	.	PROPN
ajbmeb-620	52	7	,	,	PUNCT
ajbmeb-620	52	8	(	(	PUNCT
ajbmeb-620	52	9	2010	2010	NUM
ajbmeb-620	52	10	)	)	PUNCT
ajbmeb-620	52	11	,	,	PUNCT
ajbmeb-620	52	12	"	"	PUNCT
ajbmeb-620	52	13	fundamentals	fundamental	NOUN
ajbmeb-620	52	14	of	of	ADP
ajbmeb-620	52	15	modern	modern	ADJ
ajbmeb-620	52	16	banking	banking	NOUN
ajbmeb-620	52	17	"	"	PUNCT
ajbmeb-620	52	18	,	,	PUNCT
ajbmeb-620	52	19	newcentral	newcentral	ADJ
ajbmeb-620	52	20	book	book	NOUN
ajbmeb-620	52	21	agency	agency	NOUN
ajbmeb-620	52	22	(	(	PUNCT
ajbmeb-620	52	23	p	p	PROPN
ajbmeb-620	52	24	)	)	PUNCT
ajbmeb-620	52	25	ltd	ltd	PROPN
ajbmeb-620	52	26	.	.	PROPN
ajbmeb-620	52	27	,	,	PUNCT
ajbmeb-620	52	28	india	india	PROPN
ajbmeb-620	52	29	4	4	NUM
ajbmeb-620	52	30	.	.	PUNCT
ajbmeb-620	53	1	somashekar	somashekar	PROPN
ajbmeb-620	53	2	,	,	PUNCT
ajbmeb-620	53	3	n.t	n.t	PROPN
ajbmeb-620	53	4	.	.	PROPN
ajbmeb-620	53	5	,	,	PUNCT
ajbmeb-620	53	6	(	(	PUNCT
ajbmeb-620	53	7	2009	2009	NUM
ajbmeb-620	53	8	)	)	PUNCT
ajbmeb-620	53	9	,	,	PUNCT
ajbmeb-620	53	10	“	"	PUNCT
ajbmeb-620	53	11	banking	banking	NOUN
ajbmeb-620	53	12	”	"	PUNCT
ajbmeb-620	53	13	new	new	ADJ
ajbmeb-620	53	14	age	age	NOUN
ajbmeb-620	53	15	international	international	ADJ
ajbmeb-620	53	16	(	(	PUNCT
ajbmeb-620	53	17	p	p	PROPN
ajbmeb-620	53	18	)	)	PUNCT
ajbmeb-620	53	19	ltd	ltd	PROPN
ajbmeb-620	53	20	.	.	PROPN
ajbmeb-620	53	21	,publishers	,publishers	PROPN
ajbmeb-620	53	22	,	,	PUNCT
ajbmeb-620	53	23	new	new	PROPN
ajbmeb-620	53	24	delhi	delhi	PROPN
ajbmeb-620	53	25	,	,	PUNCT
ajbmeb-620	53	26	india	india	PROPN
ajbmeb-620	53	27	5	5	NUM
ajbmeb-620	53	28	.	.	PUNCT
ajbmeb-620	54	1	al	al	PROPN
ajbmeb-620	54	2	-	-	PUNCT
ajbmeb-620	54	3	ali	ali	PROPN
ajbmeb-620	54	4	,	,	PUNCT
ajbmeb-620	54	5	asaad	asaad	PROPN
ajbmeb-620	54	6	hamid	hamid	PROPN
ajbmeb-620	54	7	,	,	PUNCT
ajbmeb-620	54	8	(	(	PUNCT
ajbmeb-620	54	9	2013	2013	NUM
ajbmeb-620	54	10	)	)	PUNCT
ajbmeb-620	54	11	management	management	NOUN
ajbmeb-620	54	12	of	of	ADP
ajbmeb-620	54	13	commercial	commercial	ADJ
ajbmeb-620	54	14	banks	bank	NOUN
ajbmeb-620	54	15	,	,	PUNCT
ajbmeb-620	54	16	first	first	PROPN
ajbmeb-620	54	17	edition	edition	NOUN
ajbmeb-620	54	18	,	,	PUNCT
ajbmeb-620	54	19	al	al	PROPN
ajbmeb-620	54	20	-	-	PUNCT
ajbmeb-620	54	21	zakhira	zakhira	PROPN
ajbmeb-620	54	22	publishing.and	publishing.and	NOUN
ajbmeb-620	54	23	distribution	distribution	NOUN
ajbmeb-620	54	24	,	,	PUNCT
ajbmeb-620	54	25	baghdad	baghdad	PROPN
ajbmeb-620	54	26	,	,	PUNCT
ajbmeb-620	54	27	iraq	iraq	PROPN
ajbmeb-620	54	28	.	.	PUNCT
ajbmeb-620	55	1	6	6	X
ajbmeb-620	55	2	.	.	X
ajbmeb-620	55	3	abdelhak	abdelhak	VERB
ajbmeb-620	55	4	bouatrous	bouatrous	ADJ
ajbmeb-620	55	5	,	,	PUNCT
ajbmeb-620	55	6	(	(	PUNCT
ajbmeb-620	55	7	2000	2000	NUM
ajbmeb-620	55	8	)	)	PUNCT
ajbmeb-620	55	9	al	al	PROPN
ajbmeb-620	55	10	-	-	PUNCT
ajbmeb-620	55	11	wajeez	wajeez	NOUN
ajbmeb-620	55	12	in	in	ADP
ajbmeb-620	55	13	commercial	commercial	ADJ
ajbmeb-620	55	14	banks	bank	NOUN
ajbmeb-620	55	15	,	,	PUNCT
ajbmeb-620	55	16	mentouri	mentouri	PROPN
ajbmeb-620	55	17	university	university	PROPN
ajbmeb-620	55	18	,	,	PUNCT
ajbmeb-620	55	19	constantine	constantine	PROPN
ajbmeb-620	55	20	,	,	PUNCT
ajbmeb-620	55	21	algeria	algeria	PROPN
ajbmeb-620	55	22	.	.	PUNCT
ajbmeb-620	56	1	7	7	X
ajbmeb-620	56	2	.	.	X
ajbmeb-620	56	3	rashid	rashid	PROPN
ajbmeb-620	56	4	sadiq	sadiq	PROPN
ajbmeb-620	56	5	al	al	PROPN
ajbmeb-620	56	6	-	-	PUNCT
ajbmeb-620	56	7	shammari	shammari	PROPN
ajbmeb-620	56	8	(	(	PUNCT
ajbmeb-620	56	9	2009	2009	NUM
ajbmeb-620	56	10	)	)	PUNCT
ajbmeb-620	56	11	,	,	PUNCT
ajbmeb-620	56	12	banking	banking	NOUN
ajbmeb-620	56	13	management	management	NOUN
ajbmeb-620	56	14	:	:	PUNCT
ajbmeb-620	56	15	reality	reality	NOUN
ajbmeb-620	56	16	and	and	CCONJ
ajbmeb-620	56	17	practical	practical	ADJ
ajbmeb-620	56	18	applications	application	NOUN
ajbmeb-620	56	19	,	,	PUNCT
ajbmeb-620	56	20	safaa	safaa	NOUN
ajbmeb-620	56	21	publishing	publish	VERB
ajbmeb-620	56	22	house	house	PROPN
ajbmeb-620	56	23	7	7	NUM
ajbmeb-620	56	24	walto	walto	NOUN
ajbmeb-620	56	25	distribution	distribution	NOUN
ajbmeb-620	56	26	,	,	PUNCT
ajbmeb-620	56	27	amman	amman	PROPN
ajbmeb-620	56	28	,	,	PUNCT
ajbmeb-620	56	29	jordan	jordan	PROPN
ajbmeb-620	56	30	.	.	PROPN
ajbmeb-620	57	1	8	8	X
ajbmeb-620	57	2	.	.	X
ajbmeb-620	57	3	abdel	abdel	PROPN
ajbmeb-620	57	4	-	-	PUNCT
ajbmeb-620	57	5	hamid	hamid	PROPN
ajbmeb-620	57	6	,	,	PUNCT
ajbmeb-620	57	7	abdel	abdel	PROPN
ajbmeb-620	57	8	-	-	PUNCT
ajbmeb-620	57	9	muttalib	muttalib	PROPN
ajbmeb-620	57	10	,	,	PUNCT
ajbmeb-620	57	11	(	(	PUNCT
ajbmeb-620	57	12	2000	2000	NUM
ajbmeb-620	57	13	)	)	PUNCT
ajbmeb-620	57	14	universal	universal	ADJ
ajbmeb-620	57	15	banks	bank	NOUN
ajbmeb-620	57	16	:	:	PUNCT
ajbmeb-620	57	17	operations	operation	NOUN
ajbmeb-620	57	18	and	and	CCONJ
ajbmeb-620	57	19	management	management	NOUN
ajbmeb-620	57	20	,	,	PUNCT
ajbmeb-620	57	21	first	first	ADJ
ajbmeb-620	57	22	edition	edition	NOUN
ajbmeb-620	57	23	,	,	PUNCT
ajbmeb-620	57	24	university	university	NOUN
ajbmeb-620	57	25	house	house	NOUN
ajbmeb-620	57	26	for	for	ADP
ajbmeb-620	57	27	publishing	publishing	NOUN
ajbmeb-620	57	28	and	and	CCONJ
ajbmeb-620	57	29	distribution	distribution	NOUN
ajbmeb-620	57	30	,	,	PUNCT
ajbmeb-620	57	31	alexandria	alexandria	PROPN
ajbmeb-620	57	32	,	,	PUNCT
ajbmeb-620	57	33	egypt	egypt	PROPN
ajbmeb-620	57	34	.	.	PUNCT
ajbmeb-620	58	1	9	9	X
ajbmeb-620	58	2	.	.	X
ajbmeb-620	58	3	abdel	abdel	PROPN
ajbmeb-620	58	4	-	-	PUNCT
ajbmeb-620	58	5	hamid	hamid	PROPN
ajbmeb-620	58	6	,	,	PUNCT
ajbmeb-620	58	7	abdel	abdel	PROPN
ajbmeb-620	58	8	-	-	PUNCT
ajbmeb-620	58	9	muttalib	muttalib	PROPN
ajbmeb-620	58	10	,	,	PUNCT
ajbmeb-620	58	11	(	(	PUNCT
ajbmeb-620	58	12	2007	2007	NUM
ajbmeb-620	58	13	)	)	PUNCT
ajbmeb-620	58	14	universal	universal	ADJ
ajbmeb-620	58	15	banks	bank	NOUN
ajbmeb-620	58	16	:	:	PUNCT
ajbmeb-620	58	17	their	their	PRON
ajbmeb-620	58	18	operations	operation	NOUN
ajbmeb-620	58	19	and	and	CCONJ
ajbmeb-620	58	20	management	management	NOUN
ajbmeb-620	58	21	,	,	PUNCT
ajbmeb-620	58	22	university	university	NOUN
ajbmeb-620	58	23	house	house	NOUN
ajbmeb-620	58	24	for	for	ADP
ajbmeb-620	58	25	publishing	publishing	NOUN
ajbmeb-620	58	26	and	and	CCONJ
ajbmeb-620	58	27	distribution	distribution	NOUN
ajbmeb-620	58	28	,	,	PUNCT
ajbmeb-620	58	29	alexandria	alexandria	PROPN
ajbmeb-620	58	30	,	,	PUNCT
ajbmeb-620	58	31	egypt	egypt	PROPN
ajbmeb-620	58	32	.	.	PUNCT
ajbmeb-620	59	1	10	10	NUM
ajbmeb-620	59	2	.	.	PUNCT
ajbmeb-620	59	3	manal	manal	ADJ
ajbmeb-620	59	4	khatib	khatib	PROPN
ajbmeb-620	59	5	,	,	PUNCT
ajbmeb-620	59	6	(	(	PUNCT
ajbmeb-620	59	7	2004	2004	NUM
ajbmeb-620	59	8	)	)	PUNCT
ajbmeb-620	59	9	,	,	PUNCT
ajbmeb-620	59	10	the	the	DET
ajbmeb-620	59	11	cost	cost	NOUN
ajbmeb-620	59	12	of	of	ADP
ajbmeb-620	59	13	credit	credit	NOUN
ajbmeb-620	59	14	,	,	PUNCT
ajbmeb-620	59	15	expenses	expense	NOUN
ajbmeb-620	59	16	,	,	PUNCT
ajbmeb-620	59	17	and	and	CCONJ
ajbmeb-620	59	18	measuring	measure	VERB
ajbmeb-620	59	19	risk	risk	NOUN
ajbmeb-620	59	20	by	by	ADP
ajbmeb-620	59	21	application	application	NOUN
ajbmeb-620	59	22	to	to	ADP
ajbmeb-620	59	23	banks	bank	NOUN
ajbmeb-620	59	24	syrian	syrian	ADJ
ajbmeb-620	59	25	business	business	NOUN
ajbmeb-620	59	26	,	,	PUNCT
ajbmeb-620	59	27	ma	ma	PROPN
ajbmeb-620	59	28	thesis	thesis	NOUN
ajbmeb-620	59	29	,	,	PUNCT
ajbmeb-620	59	30	faculty	faculty	NOUN
ajbmeb-620	59	31	of	of	ADP
ajbmeb-620	59	32	economics	economic	NOUN
ajbmeb-620	59	33	,	,	PUNCT
ajbmeb-620	59	34	university	university	NOUN
ajbmeb-620	59	35	of	of	ADP
ajbmeb-620	59	36	aleppo	aleppo	PROPN
ajbmeb-620	59	37	,	,	PUNCT
ajbmeb-620	59	38	syria	syria	PROPN
ajbmeb-620	59	39	11	11	NUM
ajbmeb-620	59	40	.	.	PUNCT
ajbmeb-620	60	1	amidu	amidu	PROPN
ajbmeb-620	60	2	,	,	PUNCT
ajbmeb-620	60	3	mohammed	mohammed	PROPN
ajbmeb-620	60	4	and	and	CCONJ
ajbmeb-620	60	5	hinson	hinson	PROPN
ajbmeb-620	60	6	,	,	PUNCT
ajbmeb-620	60	7	robert	robert	PROPN
ajbmeb-620	60	8	(	(	PUNCT
ajbmeb-620	60	9	2006	2006	NUM
ajbmeb-620	60	10	)	)	PUNCT
ajbmeb-620	60	11	.	.	PUNCT
ajbmeb-620	61	1	credit	credit	NOUN
ajbmeb-620	61	2	risk	risk	NOUN
ajbmeb-620	61	3	,	,	PUNCT
ajbmeb-620	61	4	capital	capital	NOUN
ajbmeb-620	61	5	structure	structure	NOUN
ajbmeb-620	61	6	and	and	CCONJ
ajbmeb-620	61	7	lending	lending	NOUN
ajbmeb-620	61	8	decisions	decision	NOUN
ajbmeb-620	61	9	of	of	ADP
ajbmeb-620	61	10	banks	bank	NOUN
ajbmeb-620	61	11	in	in	ADP
ajbmeb-620	61	12	ghana	ghana	PROPN
ajbmeb-620	61	13	,	,	PUNCT
ajbmeb-620	61	14	banks	bank	NOUN
ajbmeb-620	61	15	and	and	CCONJ
ajbmeb-620	61	16	bank	bank	NOUN
ajbmeb-620	61	17	systems	system	NOUN
ajbmeb-620	61	18	,	,	PUNCT
ajbmeb-620	61	19	vol	vol	NOUN
ajbmeb-620	61	20	.	.	PROPN
ajbmeb-620	61	21	1	1	NUM
ajbmeb-620	61	22	,	,	PUNCT
ajbmeb-620	61	23	no	no	INTJ
ajbmeb-620	61	24	.	.	NOUN
ajbmeb-620	61	25	1	1	NUM
ajbmeb-620	61	26	.	.	X
ajbmeb-620	61	27	12	12	NUM
ajbmeb-620	61	28	.	.	PUNCT
ajbmeb-620	62	1	adeniyi	adeniyi	ADV
ajbmeb-620	62	2	,	,	PUNCT
ajbmeb-620	62	3	o.m	o.m	PROPN
ajbmeb-620	62	4	.	.	PUNCT
ajbmeb-620	63	1	(	(	PUNCT
ajbmeb-620	63	2	2006	2006	NUM
ajbmeb-620	63	3	)	)	PUNCT
ajbmeb-620	63	4	bank	bank	NOUN
ajbmeb-620	63	5	credit	credit	NOUN
ajbmeb-620	63	6	and	and	CCONJ
ajbmeb-620	63	7	economic	economic	ADJ
ajbmeb-620	63	8	development	development	NOUN
ajbmeb-620	63	9	in	in	ADP
ajbmeb-620	63	10	nigeria	nigeria	PROPN
ajbmeb-620	63	11	:	:	PUNCT
ajbmeb-620	63	12	a	a	DET
ajbmeb-620	63	13	case	case	NOUN
ajbmeb-620	63	14	study	study	NOUN
ajbmeb-620	63	15	of	of	ADP
ajbmeb-620	63	16	deposit	deposit	NOUN
ajbmeb-620	63	17	money	money	NOUN
ajbmeb-620	63	18	banks	bank	NOUN
ajbmeb-620	63	19	.jos	.jos	PUNCT
ajbmeb-620	63	20	:	:	PUNCT
ajbmeb-620	63	21	university	university	PROPN
ajbmeb-620	63	22	of	of	ADP
ajbmeb-620	63	23	jos	jos	PROPN
ajbmeb-620	63	24	,	,	PUNCT
ajbmeb-620	63	25	13	13	NUM
ajbmeb-620	63	26	.	.	PUNCT
ajbmeb-620	64	1	david	david	PROPN
ajbmeb-620	64	2	&	&	CCONJ
ajbmeb-620	64	3	charles	charles	PROPN
ajbmeb-620	64	4	,	,	PUNCT
ajbmeb-620	64	5	beim	beim	PROPN
ajbmeb-620	64	6	o.	o.	NOUN
ajbmeb-620	64	7	,	,	PUNCT
ajbmeb-620	64	8	calomiris	calomiris	NOUN
ajbmeb-620	64	9	w	w	PROPN
ajbmeb-620	64	10	,	,	PUNCT
ajbmeb-620	64	11	(	(	PUNCT
ajbmeb-620	64	12	2001	2001	NUM
ajbmeb-620	64	13	)	)	PUNCT
ajbmeb-620	64	14	eerging	eerge	VERB
ajbmeb-620	64	15	financial	financial	ADJ
ajbmeb-620	64	16	markets	market	NOUN
ajbmeb-620	64	17	,	,	PUNCT
ajbmeb-620	64	18	mc	mc	PROPN
ajbmeb-620	64	19	graw	graw	PROPN
ajbmeb-620	64	20	hill	hill	PROPN
ajbmeb-620	64	21	,	,	PUNCT
ajbmeb-620	64	22	irwin	irwin	PROPN
ajbmeb-620	64	23	new	new	PROPN
ajbmeb-620	64	24	york	york	PROPN
ajbmeb-620	64	25	.	.	PUNCT
ajbmeb-620	65	1	14	14	NUM
ajbmeb-620	65	2	.	.	PUNCT
ajbmeb-620	66	1	joseph	joseph	PROPN
ajbmeb-620	66	2	and	and	CCONJ
ajbmeb-620	66	3	david	david	PROPN
ajbmeb-620	66	4	,	,	PUNCT
ajbmeb-620	66	5	dayetalz	dayetalz	NOUN
ajbmeb-620	66	6	,	,	PUNCT
ajbmeb-620	66	7	kathor	kathor	NOUN
ajbmeb-620	66	8	,	,	PUNCT
ajbmeb-620	66	9	(	(	PUNCT
ajbmeb-620	66	10	2010	2010	NUM
ajbmeb-620	66	11	)	)	PUNCT
ajbmeb-620	66	12	,	,	PUNCT
ajbmeb-620	66	13	the	the	DET
ajbmeb-620	66	14	economics	economic	NOUN
ajbmeb-620	66	15	of	of	ADP
ajbmeb-620	66	16	money	money	NOUN
ajbmeb-620	66	17	and	and	CCONJ
ajbmeb-620	66	18	international	international	ADJ
ajbmeb-620	66	19	finance	finance	NOUN
ajbmeb-620	66	20	6th	6th	NOUN
ajbmeb-620	66	21	ed	ed	NOUN
ajbmeb-620	66	22	,	,	PUNCT
ajbmeb-620	66	23	me	i	PRON
ajbmeb-620	66	24	graw	graw	PROPN
ajbmeb-620	66	25	hill	hill	PROPN
ajbmeb-620	66	26	.	.	PUNCT
ajbmeb-620	67	1	15	15	NUM
ajbmeb-620	67	2	.	.	PUNCT
ajbmeb-620	68	1	franklin	franklin	PROPN
ajbmeb-620	68	2	,	,	PUNCT
ajbmeb-620	68	3	allen	allen	PROPN
ajbmeb-620	68	4	,	,	PUNCT
ajbmeb-620	68	5	douglas	douglas	PROPN
ajbmeb-620	68	6	,	,	PUNCT
ajbmeb-620	68	7	gale	gale	NOUN
ajbmeb-620	68	8	(	(	PUNCT
ajbmeb-620	68	9	2010	2010	NUM
ajbmeb-620	68	10	)	)	PUNCT
ajbmeb-620	68	11	,	,	PUNCT
ajbmeb-620	68	12	optimal	optimal	ADJ
ajbmeb-620	68	13	financial	financial	ADJ
ajbmeb-620	68	14	crises	crisis	NOUN
ajbmeb-620	68	15	,	,	PUNCT
ajbmeb-620	68	16	the	the	DET
ajbmeb-620	68	17	journal	journal	NOUN
ajbmeb-620	68	18	of	of	ADP
ajbmeb-620	68	19	finance	finance	NOUN
ajbmeb-620	68	20	,	,	PUNCT
ajbmeb-620	68	21	vol	vol	NOUN
ajbmeb-620	68	22	.	.	PROPN
ajbmeb-620	68	23	,	,	PUNCT
ajbmeb-620	68	24	liii	liii	PROPN
ajbmeb-620	68	25	,	,	PUNCT
ajbmeb-620	68	26	no.4	no.4	PROPN
ajbmeb-620	68	27	.	.	PROPN
ajbmeb-620	68	28	16	16	NUM
ajbmeb-620	68	29	.	.	PUNCT
ajbmeb-620	69	1	abdullah	abdullah	PROPN
ajbmeb-620	69	2	,	,	PUNCT
ajbmeb-620	69	3	khaled	khaled	PROPN
ajbmeb-620	69	4	amin	amin	PROPN
ajbmeb-620	69	5	,	,	PUNCT
ajbmeb-620	69	6	and	and	CCONJ
ajbmeb-620	69	7	al	al	PROPN
ajbmeb-620	69	8	-	-	PUNCT
ajbmeb-620	69	9	trad	trad	PROPN
ajbmeb-620	69	10	,	,	PUNCT
ajbmeb-620	69	11	ismail	ismail	PROPN
ajbmeb-620	69	12	ibrahim	ibrahim	PROPN
ajbmeb-620	69	13	,	,	PUNCT
ajbmeb-620	69	14	(	(	PUNCT
ajbmeb-620	69	15	2006	2006	NUM
ajbmeb-620	69	16	)	)	PUNCT
ajbmeb-620	69	17	,	,	PUNCT
ajbmeb-620	69	18	(	(	PUNCT
ajbmeb-620	69	19	banking	banking	NOUN
ajbmeb-620	69	20	operations	operation	NOUN
ajbmeb-620	69	21	department).local	department).local	ADJ
ajbmeb-620	69	22	and	and	CCONJ
ajbmeb-620	69	23	international	international	ADJ
ajbmeb-620	69	24	)	)	PUNCT
ajbmeb-620	69	25	,	,	PUNCT
ajbmeb-620	69	26	first	first	PROPN
ajbmeb-620	69	27	edition	edition	NOUN
ajbmeb-620	69	28	,	,	PUNCT
ajbmeb-620	69	29	wael	wael	PROPN
ajbmeb-620	69	30	publishing	publishing	PROPN
ajbmeb-620	69	31	house	house	PROPN
ajbmeb-620	69	32	,	,	PUNCT
ajbmeb-620	69	33	amman	amman	PROPN
ajbmeb-620	69	34	,	,	PUNCT
ajbmeb-620	69	35	jordan	jordan	PROPN
ajbmeb-620	69	36	.	.	PUNCT