id	sid	tid	token	lemma	pos
ajbmeb-842	1	1	american	american	PROPN
ajbmeb-842	1	2	journal	journal	PROPN
ajbmeb-842	1	3	of	of	ADP
ajbmeb-842	1	4	business	business	NOUN
ajbmeb-842	1	5	management	management	NOUN
ajbmeb-842	1	6	,	,	PUNCT
ajbmeb-842	1	7	economics	economic	NOUN
ajbmeb-842	1	8	and	and	CCONJ
ajbmeb-842	1	9	banking	banking	NOUN
ajbmeb-842	1	10	issn	issn	PROPN
ajbmeb-842	1	11	(	(	PUNCT
ajbmeb-842	1	12	e	e	NOUN
ajbmeb-842	1	13	):	):	PUNCT
ajbmeb-842	1	14	2832	2832	NUM
ajbmeb-842	1	15	-	-	SYM
ajbmeb-842	1	16	8078	8078	NUM
ajbmeb-842	1	17	volume	volume	NOUN
ajbmeb-842	1	18	12	12	NUM
ajbmeb-842	1	19	,	,	PUNCT
ajbmeb-842	1	20	|	|	ADV
ajbmeb-842	1	21	may	may	AUX
ajbmeb-842	1	22	,	,	PUNCT
ajbmeb-842	1	23	2023	2023	NUM
ajbmeb-842	1	24	p	p	NOUN
ajbmeb-842	1	25	a	a	PRON
ajbmeb-842	1	26	g	g	NOUN
ajbmeb-842	1	27	e	e	NOUN
ajbmeb-842	2	1	|	|	ADV
ajbmeb-842	2	2	82	82	NUM
ajbmeb-842	2	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-842	2	4	ways	way	NOUN
ajbmeb-842	2	5	to	to	PART
ajbmeb-842	2	6	ensure	ensure	VERB
ajbmeb-842	2	7	sustainable	sustainable	ADJ
ajbmeb-842	2	8	growth	growth	NOUN
ajbmeb-842	2	9	of	of	ADP
ajbmeb-842	2	10	commercial	commercial	ADJ
ajbmeb-842	2	11	banks	bank	NOUN
ajbmeb-842	2	12	'	'	PART
ajbmeb-842	2	13	loans	loan	NOUN
ajbmeb-842	2	14	khasan	khasan	VERB
ajbmeb-842	2	15	akhmedov	akhmedov	PROPN
ajbmeb-842	2	16	independent	independent	ADJ
ajbmeb-842	2	17	researcher	researcher	PROPN
ajbmeb-842	2	18	a	a	DET
ajbmeb-842	2	19	b	b	PROPN
ajbmeb-842	2	20	s	s	ADP
ajbmeb-842	2	21	t	t	PROPN
ajbmeb-842	2	22	r	r	NOUN
ajbmeb-842	2	23	a	a	DET
ajbmeb-842	2	24	c	c	NOUN
ajbmeb-842	2	25	t	t	NOUN
ajbmeb-842	2	26	k	k	X
ajbmeb-842	2	27	e	e	PROPN
ajbmeb-842	2	28	y	y	PROPN
ajbmeb-842	2	29	w	w	NOUN
ajbmeb-842	2	30	o	o	NOUN
ajbmeb-842	2	31	r	r	NOUN
ajbmeb-842	2	32	d	d	NOUN
ajbmeb-842	2	33	s	s	AUX
ajbmeb-842	2	34	ensuring	ensure	VERB
ajbmeb-842	2	35	the	the	DET
ajbmeb-842	2	36	stable	stable	ADJ
ajbmeb-842	2	37	growth	growth	NOUN
ajbmeb-842	2	38	of	of	ADP
ajbmeb-842	2	39	commercial	commercial	ADJ
ajbmeb-842	2	40	bank	bank	NOUN
ajbmeb-842	2	41	loans	loan	NOUN
ajbmeb-842	2	42	is	be	AUX
ajbmeb-842	2	43	one	one	NUM
ajbmeb-842	2	44	of	of	ADP
ajbmeb-842	2	45	the	the	DET
ajbmeb-842	2	46	necessary	necessary	ADJ
ajbmeb-842	2	47	conditions	condition	NOUN
ajbmeb-842	2	48	for	for	ADP
ajbmeb-842	2	49	improving	improve	VERB
ajbmeb-842	2	50	the	the	DET
ajbmeb-842	2	51	practice	practice	NOUN
ajbmeb-842	2	52	of	of	ADP
ajbmeb-842	2	53	financing	finance	VERB
ajbmeb-842	2	54	investment	investment	NOUN
ajbmeb-842	2	55	costs	cost	NOUN
ajbmeb-842	2	56	of	of	ADP
ajbmeb-842	2	57	enterprises	enterprise	NOUN
ajbmeb-842	2	58	of	of	ADP
ajbmeb-842	2	59	the	the	DET
ajbmeb-842	2	60	real	real	ADJ
ajbmeb-842	2	61	sector	sector	NOUN
ajbmeb-842	2	62	of	of	ADP
ajbmeb-842	2	63	the	the	DET
ajbmeb-842	2	64	national	national	ADJ
ajbmeb-842	2	65	economy	economy	NOUN
ajbmeb-842	2	66	.	.	PUNCT
ajbmeb-842	3	1	therefore	therefore	ADV
ajbmeb-842	3	2	,	,	PUNCT
ajbmeb-842	3	3	in	in	ADP
ajbmeb-842	3	4	the	the	DET
ajbmeb-842	3	5	2020	2020	NUM
ajbmeb-842	3	6	-	-	SYM
ajbmeb-842	3	7	2025	2025	NUM
ajbmeb-842	3	8	strategy	strategy	NOUN
ajbmeb-842	3	9	for	for	ADP
ajbmeb-842	3	10	reforming	reform	VERB
ajbmeb-842	3	11	the	the	DET
ajbmeb-842	3	12	country	country	NOUN
ajbmeb-842	3	13	's	's	PART
ajbmeb-842	3	14	banking	banking	NOUN
ajbmeb-842	3	15	system	system	NOUN
ajbmeb-842	3	16	,	,	PUNCT
ajbmeb-842	3	17	ensuring	ensure	VERB
ajbmeb-842	3	18	stable	stable	ADJ
ajbmeb-842	3	19	and	and	CCONJ
ajbmeb-842	3	20	moderate	moderate	ADJ
ajbmeb-842	3	21	growth	growth	NOUN
ajbmeb-842	3	22	of	of	ADP
ajbmeb-842	3	23	bank	bank	NOUN
ajbmeb-842	3	24	loans	loan	NOUN
ajbmeb-842	3	25	is	be	AUX
ajbmeb-842	3	26	recognized	recognize	VERB
ajbmeb-842	3	27	as	as	ADP
ajbmeb-842	3	28	one	one	NUM
ajbmeb-842	3	29	of	of	ADP
ajbmeb-842	3	30	the	the	DET
ajbmeb-842	3	31	priority	priority	NOUN
ajbmeb-842	3	32	areas	area	NOUN
ajbmeb-842	3	33	of	of	ADP
ajbmeb-842	3	34	banking	banking	NOUN
ajbmeb-842	3	35	system	system	NOUN
ajbmeb-842	3	36	reform	reform	NOUN
ajbmeb-842	3	37	.	.	PUNCT
ajbmeb-842	4	1	in	in	ADP
ajbmeb-842	4	2	the	the	DET
ajbmeb-842	4	3	article	article	NOUN
ajbmeb-842	4	4	,	,	PUNCT
ajbmeb-842	4	5	the	the	DET
ajbmeb-842	4	6	problems	problem	NOUN
ajbmeb-842	4	7	related	relate	VERB
ajbmeb-842	4	8	to	to	ADP
ajbmeb-842	4	9	ensuring	ensure	VERB
ajbmeb-842	4	10	the	the	DET
ajbmeb-842	4	11	stable	stable	ADJ
ajbmeb-842	4	12	growth	growth	NOUN
ajbmeb-842	4	13	of	of	ADP
ajbmeb-842	4	14	loans	loan	NOUN
ajbmeb-842	4	15	of	of	ADP
ajbmeb-842	4	16	the	the	DET
ajbmeb-842	4	17	country	country	NOUN
ajbmeb-842	4	18	's	's	PART
ajbmeb-842	4	19	banks	bank	NOUN
ajbmeb-842	4	20	are	be	AUX
ajbmeb-842	4	21	identified	identify	VERB
ajbmeb-842	4	22	and	and	CCONJ
ajbmeb-842	4	23	scientific	scientific	ADJ
ajbmeb-842	4	24	proposals	proposal	NOUN
ajbmeb-842	4	25	aimed	aim	VERB
ajbmeb-842	4	26	at	at	ADP
ajbmeb-842	4	27	solving	solve	VERB
ajbmeb-842	4	28	them	they	PRON
ajbmeb-842	4	29	are	be	AUX
ajbmeb-842	4	30	developed	develop	VERB
ajbmeb-842	4	31	.	.	PUNCT
ajbmeb-842	5	1	commercial	commercial	ADJ
ajbmeb-842	5	2	banking	banking	NOUN
ajbmeb-842	5	3	,	,	PUNCT
ajbmeb-842	5	4	loan	loan	NOUN
ajbmeb-842	5	5	,	,	PUNCT
ajbmeb-842	5	6	loan	loan	NOUN
ajbmeb-842	5	7	portfolio	portfolio	NOUN
ajbmeb-842	5	8	,	,	PUNCT
ajbmeb-842	5	9	classified	classified	ADJ
ajbmeb-842	5	10	loans	loan	NOUN
ajbmeb-842	5	11	,	,	PUNCT
ajbmeb-842	5	12	problem	problem	NOUN
ajbmeb-842	5	13	loan	loan	NOUN
ajbmeb-842	5	14	,	,	PUNCT
ajbmeb-842	5	15	income	income	NOUN
ajbmeb-842	5	16	,	,	PUNCT
ajbmeb-842	5	17	interest	interest	NOUN
ajbmeb-842	5	18	income	income	NOUN
ajbmeb-842	5	19	,	,	PUNCT
ajbmeb-842	5	20	interest	interest	NOUN
ajbmeb-842	5	21	rate	rate	NOUN
ajbmeb-842	5	22	,	,	PUNCT
ajbmeb-842	5	23	inflation	inflation	NOUN
ajbmeb-842	5	24	,	,	PUNCT
ajbmeb-842	5	25	deposit	deposit	NOUN
ajbmeb-842	5	26	.	.	PUNCT
ajbmeb-842	6	1	introduction	introduction	NOUN
ajbmeb-842	6	2	improving	improve	VERB
ajbmeb-842	6	3	the	the	DET
ajbmeb-842	6	4	lending	lending	NOUN
ajbmeb-842	6	5	practice	practice	NOUN
ajbmeb-842	6	6	of	of	ADP
ajbmeb-842	6	7	commercial	commercial	ADJ
ajbmeb-842	6	8	banks	bank	NOUN
ajbmeb-842	6	9	in	in	ADP
ajbmeb-842	6	10	the	the	DET
ajbmeb-842	6	11	republic	republic	NOUN
ajbmeb-842	6	12	of	of	ADP
ajbmeb-842	6	13	uzbekistan	uzbekistan	PROPN
ajbmeb-842	6	14	is	be	AUX
ajbmeb-842	6	15	one	one	NUM
ajbmeb-842	6	16	of	of	ADP
ajbmeb-842	6	17	the	the	DET
ajbmeb-842	6	18	urgent	urgent	ADJ
ajbmeb-842	6	19	issues	issue	NOUN
ajbmeb-842	6	20	of	of	ADP
ajbmeb-842	6	21	developing	develop	VERB
ajbmeb-842	6	22	the	the	DET
ajbmeb-842	6	23	country	country	NOUN
ajbmeb-842	6	24	's	's	PART
ajbmeb-842	6	25	economy	economy	NOUN
ajbmeb-842	6	26	.	.	PUNCT
ajbmeb-842	7	1	in	in	ADP
ajbmeb-842	7	2	particular	particular	ADJ
ajbmeb-842	7	3	,	,	PUNCT
ajbmeb-842	7	4	in	in	ADP
ajbmeb-842	7	5	the	the	DET
ajbmeb-842	7	6	strategy	strategy	NOUN
ajbmeb-842	7	7	of	of	ADP
ajbmeb-842	7	8	reforming	reform	VERB
ajbmeb-842	7	9	the	the	DET
ajbmeb-842	7	10	banking	banking	NOUN
ajbmeb-842	7	11	system	system	NOUN
ajbmeb-842	7	12	of	of	ADP
ajbmeb-842	7	13	the	the	DET
ajbmeb-842	7	14	republic	republic	NOUN
ajbmeb-842	7	15	of	of	ADP
ajbmeb-842	7	16	uzbekistan	uzbekistan	PROPN
ajbmeb-842	7	17	for	for	ADP
ajbmeb-842	7	18	2020	2020	NUM
ajbmeb-842	7	19	-	-	SYM
ajbmeb-842	7	20	2025	2025	NUM
ajbmeb-842	7	21	,	,	PUNCT
ajbmeb-842	7	22	lending	lend	VERB
ajbmeb-842	7	23	only	only	ADV
ajbmeb-842	7	24	based	base	VERB
ajbmeb-842	7	25	on	on	ADP
ajbmeb-842	7	26	market	market	NOUN
ajbmeb-842	7	27	requirements	requirement	NOUN
ajbmeb-842	7	28	,	,	PUNCT
ajbmeb-842	7	29	reducing	reduce	VERB
ajbmeb-842	7	30	the	the	DET
ajbmeb-842	7	31	dependence	dependence	NOUN
ajbmeb-842	7	32	of	of	ADP
ajbmeb-842	7	33	banks	bank	NOUN
ajbmeb-842	7	34	on	on	ADP
ajbmeb-842	7	35	state	state	NOUN
ajbmeb-842	7	36	resources	resource	NOUN
ajbmeb-842	7	37	,	,	PUNCT
ajbmeb-842	7	38	improving	improve	VERB
ajbmeb-842	7	39	the	the	DET
ajbmeb-842	7	40	quality	quality	NOUN
ajbmeb-842	7	41	of	of	ADP
ajbmeb-842	7	42	the	the	DET
ajbmeb-842	7	43	credit	credit	NOUN
ajbmeb-842	7	44	portfolio	portfolio	NOUN
ajbmeb-842	7	45	and	and	CCONJ
ajbmeb-842	7	46	the	the	DET
ajbmeb-842	7	47	quality	quality	NOUN
ajbmeb-842	7	48	of	of	ADP
ajbmeb-842	7	49	risk	risk	NOUN
ajbmeb-842	7	50	management	management	NOUN
ajbmeb-842	7	51	,	,	PUNCT
ajbmeb-842	7	52	and	and	CCONJ
ajbmeb-842	7	53	adhering	adhere	VERB
ajbmeb-842	7	54	to	to	ADP
ajbmeb-842	7	55	a	a	DET
ajbmeb-842	7	56	moderate	moderate	ADJ
ajbmeb-842	7	57	level	level	NOUN
ajbmeb-842	7	58	of	of	ADP
ajbmeb-842	7	59	growth	growth	NOUN
ajbmeb-842	7	60	in	in	ADP
ajbmeb-842	7	61	the	the	DET
ajbmeb-842	7	62	volume	volume	NOUN
ajbmeb-842	7	63	of	of	ADP
ajbmeb-842	7	64	lending	lending	NOUN
ajbmeb-842	7	65	are	be	AUX
ajbmeb-842	7	66	the	the	DET
ajbmeb-842	7	67	priorities	priority	NOUN
ajbmeb-842	7	68	of	of	ADP
ajbmeb-842	7	69	the	the	DET
ajbmeb-842	7	70	strategy	strategy	NOUN
ajbmeb-842	7	71	of	of	ADP
ajbmeb-842	7	72	reforming	reform	VERB
ajbmeb-842	7	73	the	the	DET
ajbmeb-842	7	74	country	country	NOUN
ajbmeb-842	7	75	's	's	PART
ajbmeb-842	7	76	banking	banking	NOUN
ajbmeb-842	7	77	system	system	NOUN
ajbmeb-842	7	78	.	.	PUNCT
ajbmeb-842	8	1	recognized	recognize	VERB
ajbmeb-842	8	2	as	as	ADP
ajbmeb-842	8	3	directions	direction	NOUN
ajbmeb-842	8	4	[	[	X
ajbmeb-842	8	5	1	1	NUM
ajbmeb-842	8	6	]	]	PUNCT
ajbmeb-842	8	7	.	.	PUNCT
ajbmeb-842	9	1	this	this	PRON
ajbmeb-842	9	2	,	,	PUNCT
ajbmeb-842	9	3	in	in	ADP
ajbmeb-842	9	4	turn	turn	NOUN
ajbmeb-842	9	5	,	,	PUNCT
ajbmeb-842	9	6	creates	create	VERB
ajbmeb-842	9	7	the	the	DET
ajbmeb-842	9	8	need	need	NOUN
ajbmeb-842	9	9	to	to	PART
ajbmeb-842	9	10	ensure	ensure	VERB
ajbmeb-842	9	11	the	the	DET
ajbmeb-842	9	12	stable	stable	ADJ
ajbmeb-842	9	13	growth	growth	NOUN
ajbmeb-842	9	14	of	of	ADP
ajbmeb-842	9	15	commercial	commercial	ADJ
ajbmeb-842	9	16	banks	bank	NOUN
ajbmeb-842	9	17	'	'	PART
ajbmeb-842	9	18	loans	loan	NOUN
ajbmeb-842	9	19	.	.	PUNCT
ajbmeb-842	10	1	analysis	analysis	NOUN
ajbmeb-842	10	2	of	of	ADP
ajbmeb-842	10	3	literature	literature	NOUN
ajbmeb-842	10	4	on	on	ADP
ajbmeb-842	10	5	the	the	DET
ajbmeb-842	10	6	topic	topic	NOUN
ajbmeb-842	10	7	according	accord	VERB
ajbmeb-842	10	8	to	to	ADP
ajbmeb-842	10	9	j.	j.	PROPN
ajbmeb-842	10	10	sinki	sinki	PROPN
ajbmeb-842	10	11	,	,	PUNCT
ajbmeb-842	10	12	the	the	DET
ajbmeb-842	10	13	main	main	ADJ
ajbmeb-842	10	14	activity	activity	NOUN
ajbmeb-842	10	15	of	of	ADP
ajbmeb-842	10	16	banks	bank	NOUN
ajbmeb-842	10	17	is	be	AUX
ajbmeb-842	10	18	to	to	PART
ajbmeb-842	10	19	finance	finance	VERB
ajbmeb-842	10	20	loans	loan	NOUN
ajbmeb-842	10	21	through	through	ADP
ajbmeb-842	10	22	deposits	deposit	NOUN
ajbmeb-842	10	23	.	.	PUNCT
ajbmeb-842	11	1	however	however	ADV
ajbmeb-842	11	2	,	,	PUNCT
ajbmeb-842	11	3	if	if	SCONJ
ajbmeb-842	11	4	previously	previously	ADV
ajbmeb-842	11	5	banks	bank	NOUN
ajbmeb-842	11	6	were	be	AUX
ajbmeb-842	11	7	considered	consider	VERB
ajbmeb-842	11	8	only	only	ADV
ajbmeb-842	11	9	as	as	SCONJ
ajbmeb-842	11	10	intermediaries	intermediary	NOUN
ajbmeb-842	11	11	in	in	ADP
ajbmeb-842	11	12	the	the	DET
ajbmeb-842	11	13	process	process	NOUN
ajbmeb-842	11	14	of	of	ADP
ajbmeb-842	11	15	distribution	distribution	NOUN
ajbmeb-842	11	16	of	of	ADP
ajbmeb-842	11	17	financial	financial	ADJ
ajbmeb-842	11	18	resources	resource	NOUN
ajbmeb-842	11	19	,	,	PUNCT
ajbmeb-842	11	20	at	at	ADP
ajbmeb-842	11	21	the	the	DET
ajbmeb-842	11	22	current	current	ADJ
ajbmeb-842	11	23	stage	stage	NOUN
ajbmeb-842	11	24	of	of	ADP
ajbmeb-842	11	25	economic	economic	ADJ
ajbmeb-842	11	26	development	development	NOUN
ajbmeb-842	11	27	,	,	PUNCT
ajbmeb-842	11	28	they	they	PRON
ajbmeb-842	11	29	can	can	AUX
ajbmeb-842	11	30	be	be	AUX
ajbmeb-842	11	31	considered	consider	VERB
ajbmeb-842	11	32	as	as	ADP
ajbmeb-842	11	33	enterprises	enterprise	NOUN
ajbmeb-842	11	34	engaged	engage	VERB
ajbmeb-842	11	35	in	in	ADP
ajbmeb-842	11	36	the	the	DET
ajbmeb-842	11	37	production	production	NOUN
ajbmeb-842	11	38	of	of	ADP
ajbmeb-842	11	39	information	information	NOUN
ajbmeb-842	11	40	and	and	CCONJ
ajbmeb-842	11	41	provision	provision	NOUN
ajbmeb-842	11	42	of	of	ADP
ajbmeb-842	11	43	operations	operation	NOUN
ajbmeb-842	11	44	[	[	X
ajbmeb-842	11	45	2	2	NUM
ajbmeb-842	11	46	]	]	PUNCT
ajbmeb-842	11	47	.	.	PUNCT
ajbmeb-842	12	1	according	accord	VERB
ajbmeb-842	12	2	to	to	ADP
ajbmeb-842	12	3	huerta	huerta	PROPN
ajbmeb-842	12	4	de	de	PROPN
ajbmeb-842	12	5	soto	soto	PROPN
ajbmeb-842	12	6	's	's	PART
ajbmeb-842	12	7	conclusion	conclusion	NOUN
ajbmeb-842	12	8	,	,	PUNCT
ajbmeb-842	12	9	the	the	DET
ajbmeb-842	12	10	decrease	decrease	NOUN
ajbmeb-842	12	11	in	in	ADP
ajbmeb-842	12	12	the	the	DET
ajbmeb-842	12	13	interest	interest	NOUN
ajbmeb-842	12	14	rates	rate	NOUN
ajbmeb-842	12	15	of	of	ADP
ajbmeb-842	12	16	investment	investment	NOUN
ajbmeb-842	12	17	loans	loan	NOUN
ajbmeb-842	12	18	of	of	ADP
ajbmeb-842	12	19	commercial	commercial	ADJ
ajbmeb-842	12	20	banks	bank	NOUN
ajbmeb-842	12	21	turns	turn	VERB
ajbmeb-842	12	22	previously	previously	ADV
ajbmeb-842	12	23	unprofitable	unprofitable	ADJ
ajbmeb-842	12	24	investment	investment	NOUN
ajbmeb-842	12	25	projects	project	NOUN
ajbmeb-842	12	26	into	into	ADP
ajbmeb-842	12	27	profitable	profitable	ADJ
ajbmeb-842	12	28	investment	investment	NOUN
ajbmeb-842	12	29	projects	project	NOUN
ajbmeb-842	12	30	,	,	PUNCT
ajbmeb-842	12	31	and	and	CCONJ
ajbmeb-842	12	32	as	as	ADP
ajbmeb-842	12	33	a	a	DET
ajbmeb-842	12	34	result	result	NOUN
ajbmeb-842	12	35	of	of	ADP
ajbmeb-842	12	36	the	the	DET
ajbmeb-842	12	37	financing	financing	NOUN
ajbmeb-842	12	38	of	of	ADP
ajbmeb-842	12	39	investment	investment	NOUN
ajbmeb-842	12	40	projects	project	NOUN
ajbmeb-842	12	41	by	by	ADP
ajbmeb-842	12	42	banks	bank	NOUN
ajbmeb-842	12	43	at	at	ADP
ajbmeb-842	12	44	the	the	DET
ajbmeb-842	12	45	expense	expense	NOUN
ajbmeb-842	12	46	of	of	ADP
ajbmeb-842	12	47	loans	loan	NOUN
ajbmeb-842	12	48	that	that	PRON
ajbmeb-842	12	49	are	be	AUX
ajbmeb-842	12	50	not	not	PART
ajbmeb-842	12	51	secured	secure	VERB
ajbmeb-842	12	52	by	by	ADP
ajbmeb-842	12	53	voluntary	voluntary	ADJ
ajbmeb-842	12	54	funds	fund	NOUN
ajbmeb-842	12	55	,	,	PUNCT
ajbmeb-842	12	56	there	there	PRON
ajbmeb-842	12	57	are	be	VERB
ajbmeb-842	12	58	cases	case	NOUN
ajbmeb-842	12	59	of	of	ADP
ajbmeb-842	12	60	failure	failure	NOUN
ajbmeb-842	12	61	of	of	ADP
ajbmeb-842	12	62	investment	investment	NOUN
ajbmeb-842	12	63	projects	project	NOUN
ajbmeb-842	12	64	and	and	CCONJ
ajbmeb-842	12	65	non	non	NOUN
ajbmeb-842	12	66	-	-	NOUN
ajbmeb-842	12	67	return	return	NOUN
ajbmeb-842	12	68	of	of	ADP
ajbmeb-842	12	69	given	give	VERB
ajbmeb-842	12	70	loans	loan	NOUN
ajbmeb-842	12	71	[	[	X
ajbmeb-842	12	72	3	3	NUM
ajbmeb-842	12	73	]	]	PUNCT
ajbmeb-842	12	74	.	.	PUNCT
ajbmeb-842	13	1	american	american	PROPN
ajbmeb-842	13	2	journal	journal	PROPN
ajbmeb-842	13	3	of	of	ADP
ajbmeb-842	13	4	business	business	NOUN
ajbmeb-842	13	5	management	management	NOUN
ajbmeb-842	13	6	,	,	PUNCT
ajbmeb-842	13	7	economics	economic	NOUN
ajbmeb-842	13	8	and	and	CCONJ
ajbmeb-842	13	9	banking	banking	NOUN
ajbmeb-842	13	10	volume	volume	NOUN
ajbmeb-842	13	11	12	12	NUM
ajbmeb-842	13	12	may	may	PROPN
ajbmeb-842	13	13	,	,	PUNCT
ajbmeb-842	13	14	2023	2023	NUM
ajbmeb-842	13	15	p	p	NOUN
ajbmeb-842	13	16	a	a	PRON
ajbmeb-842	13	17	g	g	NOUN
ajbmeb-842	13	18	e	e	NOUN
ajbmeb-842	13	19	|	|	ADV
ajbmeb-842	13	20	83	83	NUM
ajbmeb-842	13	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-842	13	22	according	accord	VERB
ajbmeb-842	13	23	to	to	ADP
ajbmeb-842	13	24	v.kayukov	v.kayukov	NOUN
ajbmeb-842	13	25	and	and	CCONJ
ajbmeb-842	13	26	a.kayukov	a.kayukov	NOUN
ajbmeb-842	13	27	,	,	PUNCT
ajbmeb-842	13	28	in	in	ADP
ajbmeb-842	13	29	order	order	NOUN
ajbmeb-842	13	30	to	to	PART
ajbmeb-842	13	31	improve	improve	VERB
ajbmeb-842	13	32	the	the	DET
ajbmeb-842	13	33	mechanism	mechanism	NOUN
ajbmeb-842	13	34	of	of	ADP
ajbmeb-842	13	35	providing	provide	VERB
ajbmeb-842	13	36	enterprises	enterprise	NOUN
ajbmeb-842	13	37	with	with	ADP
ajbmeb-842	13	38	bank	bank	NOUN
ajbmeb-842	13	39	loans	loan	NOUN
ajbmeb-842	13	40	by	by	ADP
ajbmeb-842	13	41	banks	bank	NOUN
ajbmeb-842	13	42	,	,	PUNCT
ajbmeb-842	13	43	it	it	PRON
ajbmeb-842	13	44	is	be	AUX
ajbmeb-842	13	45	necessary	necessary	ADJ
ajbmeb-842	13	46	to	to	PART
ajbmeb-842	13	47	strengthen	strengthen	VERB
ajbmeb-842	13	48	the	the	DET
ajbmeb-842	13	49	resource	resource	NOUN
ajbmeb-842	13	50	base	base	NOUN
ajbmeb-842	13	51	of	of	ADP
ajbmeb-842	13	52	commercial	commercial	ADJ
ajbmeb-842	13	53	banks	bank	NOUN
ajbmeb-842	13	54	,	,	PUNCT
ajbmeb-842	13	55	to	to	PART
ajbmeb-842	13	56	ensure	ensure	VERB
ajbmeb-842	13	57	the	the	DET
ajbmeb-842	13	58	proportionality	proportionality	NOUN
ajbmeb-842	13	59	of	of	ADP
ajbmeb-842	13	60	banks	bank	NOUN
ajbmeb-842	13	61	'	'	PART
ajbmeb-842	13	62	assets	asset	NOUN
ajbmeb-842	13	63	and	and	CCONJ
ajbmeb-842	13	64	liabilities	liability	NOUN
ajbmeb-842	13	65	according	accord	VERB
ajbmeb-842	13	66	to	to	ADP
ajbmeb-842	13	67	their	their	PRON
ajbmeb-842	13	68	size	size	NOUN
ajbmeb-842	13	69	and	and	CCONJ
ajbmeb-842	13	70	duration	duration	NOUN
ajbmeb-842	13	71	[	[	X
ajbmeb-842	13	72	4	4	NUM
ajbmeb-842	13	73	]	]	PUNCT
ajbmeb-842	13	74	.	.	PUNCT
ajbmeb-842	14	1	according	accord	VERB
ajbmeb-842	14	2	to	to	ADP
ajbmeb-842	14	3	o.	o.	PROPN
ajbmeb-842	14	4	lavrushin	lavrushin	PROPN
ajbmeb-842	14	5	's	's	PART
ajbmeb-842	14	6	conclusion	conclusion	NOUN
ajbmeb-842	14	7	,	,	PUNCT
ajbmeb-842	14	8	short	short	ADJ
ajbmeb-842	14	9	-	-	PUNCT
ajbmeb-842	14	10	term	term	NOUN
ajbmeb-842	14	11	lending	lending	NOUN
ajbmeb-842	14	12	for	for	ADP
ajbmeb-842	14	13	a	a	DET
ajbmeb-842	14	14	large	large	ADJ
ajbmeb-842	14	15	object	object	NOUN
ajbmeb-842	14	16	within	within	ADP
ajbmeb-842	14	17	the	the	DET
ajbmeb-842	14	18	credit	credit	NOUN
ajbmeb-842	14	19	line	line	NOUN
ajbmeb-842	14	20	has	have	VERB
ajbmeb-842	14	21	the	the	DET
ajbmeb-842	14	22	following	following	ADJ
ajbmeb-842	14	23	advantages	advantage	NOUN
ajbmeb-842	14	24	for	for	ADP
ajbmeb-842	14	25	large	large	ADJ
ajbmeb-842	14	26	enterprises	enterprise	NOUN
ajbmeb-842	14	27	:	:	PUNCT
ajbmeb-842	14	28	is	be	AUX
ajbmeb-842	14	29	given	give	VERB
ajbmeb-842	14	30	only	only	ADV
ajbmeb-842	14	31	to	to	ADP
ajbmeb-842	14	32	legal	legal	ADJ
ajbmeb-842	14	33	entities	entity	NOUN
ajbmeb-842	14	34	;	;	PUNCT
ajbmeb-842	14	35	the	the	DET
ajbmeb-842	14	36	bank	bank	NOUN
ajbmeb-842	14	37	's	's	PART
ajbmeb-842	14	38	clients	client	NOUN
ajbmeb-842	14	39	are	be	AUX
ajbmeb-842	14	40	only	only	ADV
ajbmeb-842	14	41	large	large	ADJ
ajbmeb-842	14	42	enterprises	enterprise	NOUN
ajbmeb-842	14	43	;	;	PUNCT
ajbmeb-842	14	44	borrowers	borrower	NOUN
ajbmeb-842	14	45	are	be	AUX
ajbmeb-842	14	46	enterprises	enterprise	NOUN
ajbmeb-842	14	47	with	with	ADP
ajbmeb-842	14	48	a	a	DET
ajbmeb-842	14	49	constant	constant	ADJ
ajbmeb-842	14	50	need	need	NOUN
ajbmeb-842	14	51	for	for	ADP
ajbmeb-842	14	52	short	short	ADJ
ajbmeb-842	14	53	-	-	PUNCT
ajbmeb-842	14	54	term	term	NOUN
ajbmeb-842	14	55	resources	resource	NOUN
ajbmeb-842	14	56	;	;	PUNCT
ajbmeb-842	14	57	the	the	DET
ajbmeb-842	14	58	main	main	ADJ
ajbmeb-842	14	59	account	account	NOUN
ajbmeb-842	14	60	of	of	ADP
ajbmeb-842	14	61	the	the	DET
ajbmeb-842	14	62	borrowers	borrower	NOUN
ajbmeb-842	14	63	of	of	ADP
ajbmeb-842	14	64	this	this	DET
ajbmeb-842	14	65	loan	loan	NOUN
ajbmeb-842	14	66	is	be	AUX
ajbmeb-842	14	67	in	in	ADP
ajbmeb-842	14	68	the	the	DET
ajbmeb-842	14	69	lending	lending	NOUN
ajbmeb-842	14	70	bank	bank	NOUN
ajbmeb-842	14	71	;	;	PUNCT
ajbmeb-842	14	72	credit	credit	NOUN
ajbmeb-842	14	73	is	be	AUX
ajbmeb-842	14	74	granted	grant	VERB
ajbmeb-842	14	75	only	only	ADV
ajbmeb-842	14	76	to	to	PART
ajbmeb-842	14	77	financially	financially	ADV
ajbmeb-842	14	78	reliable	reliable	ADJ
ajbmeb-842	14	79	customers	customer	NOUN
ajbmeb-842	14	80	[	[	X
ajbmeb-842	14	81	5	5	NUM
ajbmeb-842	14	82	]	]	PUNCT
ajbmeb-842	14	83	.	.	PUNCT
ajbmeb-842	15	1	according	accord	VERB
ajbmeb-842	15	2	to	to	ADP
ajbmeb-842	15	3	j.	j.	PROPN
ajbmeb-842	15	4	gudl	gudl	PROPN
ajbmeb-842	15	5	's	's	PART
ajbmeb-842	15	6	conclusion	conclusion	NOUN
ajbmeb-842	15	7	,	,	PUNCT
ajbmeb-842	15	8	the	the	DET
ajbmeb-842	15	9	negative	negative	ADJ
ajbmeb-842	15	10	impact	impact	NOUN
ajbmeb-842	15	11	of	of	ADP
ajbmeb-842	15	12	the	the	DET
ajbmeb-842	15	13	coronavirus	coronavirus	NOUN
ajbmeb-842	15	14	pandemic	pandemic	ADJ
ajbmeb-842	15	15	on	on	ADP
ajbmeb-842	15	16	the	the	DET
ajbmeb-842	15	17	lending	lending	NOUN
ajbmeb-842	15	18	practice	practice	NOUN
ajbmeb-842	15	19	of	of	ADP
ajbmeb-842	15	20	banks	bank	NOUN
ajbmeb-842	15	21	is	be	AUX
ajbmeb-842	15	22	manifested	manifest	VERB
ajbmeb-842	15	23	in	in	ADP
ajbmeb-842	15	24	the	the	DET
ajbmeb-842	15	25	liquidity	liquidity	NOUN
ajbmeb-842	15	26	problem	problem	NOUN
ajbmeb-842	15	27	in	in	ADP
ajbmeb-842	15	28	banks	bank	NOUN
ajbmeb-842	15	29	as	as	ADP
ajbmeb-842	15	30	a	a	DET
ajbmeb-842	15	31	result	result	NOUN
ajbmeb-842	15	32	of	of	ADP
ajbmeb-842	15	33	non	non	NOUN
ajbmeb-842	15	34	-	-	NOUN
ajbmeb-842	15	35	return	return	NOUN
ajbmeb-842	15	36	of	of	ADP
ajbmeb-842	15	37	loans	loan	NOUN
ajbmeb-842	15	38	.	.	PUNCT
ajbmeb-842	16	1	in	in	ADP
ajbmeb-842	16	2	order	order	NOUN
ajbmeb-842	16	3	to	to	PART
ajbmeb-842	16	4	solve	solve	VERB
ajbmeb-842	16	5	this	this	DET
ajbmeb-842	16	6	problem	problem	NOUN
ajbmeb-842	16	7	,	,	PUNCT
ajbmeb-842	16	8	firstly	firstly	ADV
ajbmeb-842	16	9	,	,	PUNCT
ajbmeb-842	16	10	the	the	DET
ajbmeb-842	16	11	quality	quality	NOUN
ajbmeb-842	16	12	of	of	ADP
ajbmeb-842	16	13	loans	loan	NOUN
ajbmeb-842	16	14	guaranteed	guarantee	VERB
ajbmeb-842	16	15	by	by	ADP
ajbmeb-842	16	16	the	the	DET
ajbmeb-842	16	17	british	british	ADJ
ajbmeb-842	16	18	government	government	NOUN
ajbmeb-842	16	19	is	be	AUX
ajbmeb-842	16	20	330	330	NUM
ajbmeb-842	16	21	bln	bln	NUM
ajbmeb-842	16	22	.	.	PUNCT
ajbmeb-842	17	1	set	set	VERB
ajbmeb-842	17	2	to	to	PART
ajbmeb-842	17	3	guarantee	guarantee	VERB
ajbmeb-842	17	4	the	the	DET
ajbmeb-842	17	5	pound	pound	NOUN
ajbmeb-842	17	6	sterling	sterling	NOUN
ajbmeb-842	17	7	;	;	PUNCT
ajbmeb-842	17	8	secondly	secondly	ADV
ajbmeb-842	17	9	,	,	PUNCT
ajbmeb-842	17	10	the	the	DET
ajbmeb-842	17	11	bank	bank	NOUN
ajbmeb-842	17	12	of	of	ADP
ajbmeb-842	17	13	england	england	PROPN
ajbmeb-842	17	14	set	set	VERB
ajbmeb-842	17	15	the	the	DET
ajbmeb-842	17	16	lowest	low	ADJ
ajbmeb-842	17	17	discount	discount	NOUN
ajbmeb-842	17	18	rate	rate	NOUN
ajbmeb-842	17	19	(	(	PUNCT
ajbmeb-842	17	20	0.1	0.1	NUM
ajbmeb-842	17	21	%	%	NOUN
ajbmeb-842	17	22	)	)	PUNCT
ajbmeb-842	17	23	in	in	ADP
ajbmeb-842	17	24	its	its	PRON
ajbmeb-842	17	25	325	325	NUM
ajbmeb-842	17	26	-	-	PUNCT
ajbmeb-842	17	27	year	year	NOUN
ajbmeb-842	17	28	history	history	NOUN
ajbmeb-842	17	29	on	on	ADP
ajbmeb-842	17	30	march	march	PROPN
ajbmeb-842	17	31	19	19	NUM
ajbmeb-842	17	32	,	,	PUNCT
ajbmeb-842	17	33	2020	2020	NUM
ajbmeb-842	18	1	[	[	X
ajbmeb-842	18	2	6	6	NUM
ajbmeb-842	18	3	]	]	PUNCT
ajbmeb-842	18	4	.	.	PUNCT
ajbmeb-842	19	1	according	accord	VERB
ajbmeb-842	19	2	to	to	ADP
ajbmeb-842	19	3	a	a	DET
ajbmeb-842	19	4	group	group	NOUN
ajbmeb-842	19	5	of	of	ADP
ajbmeb-842	19	6	chinese	chinese	ADJ
ajbmeb-842	19	7	economists	economist	NOUN
ajbmeb-842	19	8	,	,	PUNCT
ajbmeb-842	19	9	lowering	lower	VERB
ajbmeb-842	19	10	the	the	DET
ajbmeb-842	19	11	interest	interest	NOUN
ajbmeb-842	19	12	rates	rate	NOUN
ajbmeb-842	19	13	of	of	ADP
ajbmeb-842	19	14	loans	loan	NOUN
ajbmeb-842	19	15	by	by	ADP
ajbmeb-842	19	16	reducing	reduce	VERB
ajbmeb-842	19	17	the	the	DET
ajbmeb-842	19	18	mandatory	mandatory	ADJ
ajbmeb-842	19	19	reserve	reserve	NOUN
ajbmeb-842	19	20	requirements	requirement	NOUN
ajbmeb-842	19	21	of	of	ADP
ajbmeb-842	19	22	the	the	DET
ajbmeb-842	19	23	central	central	ADJ
ajbmeb-842	19	24	bank	bank	NOUN
ajbmeb-842	19	25	will	will	AUX
ajbmeb-842	19	26	play	play	VERB
ajbmeb-842	19	27	an	an	DET
ajbmeb-842	19	28	important	important	ADJ
ajbmeb-842	19	29	role	role	NOUN
ajbmeb-842	19	30	in	in	ADP
ajbmeb-842	19	31	mitigating	mitigate	VERB
ajbmeb-842	19	32	the	the	DET
ajbmeb-842	19	33	negative	negative	ADJ
ajbmeb-842	19	34	impact	impact	NOUN
ajbmeb-842	19	35	of	of	ADP
ajbmeb-842	19	36	the	the	DET
ajbmeb-842	19	37	consequences	consequence	NOUN
ajbmeb-842	19	38	of	of	ADP
ajbmeb-842	19	39	the	the	DET
ajbmeb-842	19	40	corona	corona	NOUN
ajbmeb-842	19	41	virus	virus	NOUN
ajbmeb-842	19	42	pandemic	pandemic	ADJ
ajbmeb-842	19	43	on	on	ADP
ajbmeb-842	19	44	the	the	DET
ajbmeb-842	19	45	lending	lending	NOUN
ajbmeb-842	19	46	practices	practice	NOUN
ajbmeb-842	19	47	of	of	ADP
ajbmeb-842	19	48	commercial	commercial	ADJ
ajbmeb-842	19	49	banks	bank	NOUN
ajbmeb-842	19	50	.	.	PUNCT
ajbmeb-842	20	1	people	people	NOUN
ajbmeb-842	20	2	's	's	PART
ajbmeb-842	20	3	bank	bank	PROPN
ajbmeb-842	20	4	of	of	ADP
ajbmeb-842	20	5	china	china	PROPN
ajbmeb-842	20	6	on	on	ADP
ajbmeb-842	20	7	march	march	PROPN
ajbmeb-842	20	8	13	13	NUM
ajbmeb-842	20	9	,	,	PUNCT
ajbmeb-842	20	10	2020	2020	NUM
ajbmeb-842	20	11	550	550	NUM
ajbmeb-842	20	12	bln	bln	NUM
ajbmeb-842	20	13	.	.	PUNCT
ajbmeb-842	21	1	announced	announce	VERB
ajbmeb-842	21	2	that	that	SCONJ
ajbmeb-842	21	3	it	it	PRON
ajbmeb-842	21	4	would	would	AUX
ajbmeb-842	21	5	reduce	reduce	VERB
ajbmeb-842	21	6	its	its	PRON
ajbmeb-842	21	7	reserve	reserve	NOUN
ajbmeb-842	21	8	requirements	requirement	NOUN
ajbmeb-842	21	9	in	in	ADP
ajbmeb-842	21	10	order	order	NOUN
ajbmeb-842	21	11	to	to	PART
ajbmeb-842	21	12	free	free	VERB
ajbmeb-842	21	13	up	up	ADP
ajbmeb-842	21	14	funds	fund	NOUN
ajbmeb-842	21	15	in	in	ADP
ajbmeb-842	21	16	the	the	DET
ajbmeb-842	21	17	amount	amount	NOUN
ajbmeb-842	21	18	of	of	ADP
ajbmeb-842	21	19	70.3	70.3	NUM
ajbmeb-842	21	20	billion	billion	NUM
ajbmeb-842	21	21	yuan	yuan	NOUN
ajbmeb-842	21	22	.	.	PUNCT
ajbmeb-842	22	1	in	in	ADP
ajbmeb-842	22	2	this	this	DET
ajbmeb-842	22	3	regard	regard	NOUN
ajbmeb-842	22	4	,	,	PUNCT
ajbmeb-842	22	5	the	the	DET
ajbmeb-842	22	6	rate	rate	NOUN
ajbmeb-842	22	7	of	of	ADP
ajbmeb-842	22	8	one	one	NUM
ajbmeb-842	22	9	-	-	PUNCT
ajbmeb-842	22	10	year	year	NOUN
ajbmeb-842	22	11	loans	loan	NOUN
ajbmeb-842	22	12	to	to	ADP
ajbmeb-842	22	13	creditworthy	creditworthy	ADJ
ajbmeb-842	22	14	corporations	corporation	NOUN
ajbmeb-842	22	15	was	be	AUX
ajbmeb-842	22	16	reduced	reduce	VERB
ajbmeb-842	22	17	to	to	ADP
ajbmeb-842	22	18	0.1	0.1	NUM
ajbmeb-842	22	19	%	%	NOUN
ajbmeb-842	22	20	,	,	PUNCT
ajbmeb-842	22	21	and	and	CCONJ
ajbmeb-842	22	22	the	the	DET
ajbmeb-842	22	23	rate	rate	NOUN
ajbmeb-842	22	24	of	of	ADP
ajbmeb-842	22	25	five	five	NUM
ajbmeb-842	22	26	-	-	PUNCT
ajbmeb-842	22	27	year	year	NOUN
ajbmeb-842	22	28	loans	loan	NOUN
ajbmeb-842	22	29	was	be	AUX
ajbmeb-842	22	30	reduced	reduce	VERB
ajbmeb-842	22	31	to	to	ADP
ajbmeb-842	22	32	0.05	0.05	NUM
ajbmeb-842	22	33	%	%	NOUN
ajbmeb-842	22	34	[	[	X
ajbmeb-842	22	35	7	7	NUM
ajbmeb-842	22	36	]	]	PUNCT
ajbmeb-842	22	37	.	.	PUNCT
ajbmeb-842	23	1	according	accord	VERB
ajbmeb-842	23	2	to	to	ADP
ajbmeb-842	23	3	o.	o.	PROPN
ajbmeb-842	23	4	sattarov	sattarov	PROPN
ajbmeb-842	23	5	's	's	PART
ajbmeb-842	23	6	conclusion	conclusion	NOUN
ajbmeb-842	23	7	,	,	PUNCT
ajbmeb-842	23	8	the	the	DET
ajbmeb-842	23	9	high	high	ADJ
ajbmeb-842	23	10	level	level	NOUN
ajbmeb-842	23	11	of	of	ADP
ajbmeb-842	23	12	reserve	reserve	NOUN
ajbmeb-842	23	13	allocations	allocation	NOUN
ajbmeb-842	23	14	intended	intend	VERB
ajbmeb-842	23	15	to	to	PART
ajbmeb-842	23	16	cover	cover	VERB
ajbmeb-842	23	17	losses	loss	NOUN
ajbmeb-842	23	18	from	from	ADP
ajbmeb-842	23	19	loans	loan	NOUN
ajbmeb-842	23	20	is	be	AUX
ajbmeb-842	23	21	a	a	DET
ajbmeb-842	23	22	negative	negative	ADJ
ajbmeb-842	23	23	situation	situation	NOUN
ajbmeb-842	23	24	from	from	ADP
ajbmeb-842	23	25	the	the	DET
ajbmeb-842	23	26	point	point	NOUN
ajbmeb-842	23	27	of	of	ADP
ajbmeb-842	23	28	view	view	NOUN
ajbmeb-842	23	29	of	of	ADP
ajbmeb-842	23	30	ensuring	ensure	VERB
ajbmeb-842	23	31	the	the	DET
ajbmeb-842	23	32	stability	stability	NOUN
ajbmeb-842	23	33	of	of	ADP
ajbmeb-842	23	34	commercial	commercial	ADJ
ajbmeb-842	23	35	banks	bank	NOUN
ajbmeb-842	23	36	[	[	X
ajbmeb-842	23	37	8	8	NUM
ajbmeb-842	23	38	]	]	PUNCT
ajbmeb-842	23	39	.	.	PUNCT
ajbmeb-842	24	1	according	accord	VERB
ajbmeb-842	24	2	to	to	ADP
ajbmeb-842	24	3	the	the	DET
ajbmeb-842	24	4	conclusion	conclusion	NOUN
ajbmeb-842	24	5	of	of	ADP
ajbmeb-842	24	6	l.	l.	PROPN
ajbmeb-842	24	7	muradova	muradova	PROPN
ajbmeb-842	24	8	,	,	PUNCT
ajbmeb-842	24	9	it	it	PRON
ajbmeb-842	24	10	is	be	AUX
ajbmeb-842	24	11	necessary	necessary	ADJ
ajbmeb-842	24	12	to	to	PART
ajbmeb-842	24	13	increase	increase	VERB
ajbmeb-842	24	14	the	the	DET
ajbmeb-842	24	15	level	level	NOUN
ajbmeb-842	24	16	of	of	ADP
ajbmeb-842	24	17	diversification	diversification	NOUN
ajbmeb-842	24	18	of	of	ADP
ajbmeb-842	24	19	the	the	DET
ajbmeb-842	24	20	credit	credit	NOUN
ajbmeb-842	24	21	portfolio	portfolio	NOUN
ajbmeb-842	24	22	of	of	ADP
ajbmeb-842	24	23	commercial	commercial	ADJ
ajbmeb-842	24	24	banks	bank	NOUN
ajbmeb-842	24	25	by	by	ADP
ajbmeb-842	24	26	setting	set	VERB
ajbmeb-842	24	27	the	the	DET
ajbmeb-842	24	28	limits	limit	NOUN
ajbmeb-842	24	29	of	of	ADP
ajbmeb-842	24	30	the	the	DET
ajbmeb-842	24	31	crediting	crediting	NOUN
ajbmeb-842	24	32	sector	sector	NOUN
ajbmeb-842	24	33	,	,	PUNCT
ajbmeb-842	24	34	which	which	PRON
ajbmeb-842	24	35	provides	provide	VERB
ajbmeb-842	24	36	for	for	ADP
ajbmeb-842	24	37	restrictions	restriction	NOUN
ajbmeb-842	24	38	on	on	ADP
ajbmeb-842	24	39	lending	lend	VERB
ajbmeb-842	24	40	to	to	ADP
ajbmeb-842	24	41	certain	certain	ADJ
ajbmeb-842	24	42	industry	industry	NOUN
ajbmeb-842	24	43	enterprises	enterprise	NOUN
ajbmeb-842	24	44	,	,	PUNCT
ajbmeb-842	24	45	which	which	PRON
ajbmeb-842	24	46	make	make	VERB
ajbmeb-842	24	47	up	up	ADP
ajbmeb-842	24	48	25	25	NUM
ajbmeb-842	24	49	%	%	NOUN
ajbmeb-842	24	50	of	of	ADP
ajbmeb-842	24	51	the	the	DET
ajbmeb-842	24	52	credit	credit	NOUN
ajbmeb-842	24	53	portfolio	portfolio	NOUN
ajbmeb-842	24	54	of	of	ADP
ajbmeb-842	24	55	commercial	commercial	ADJ
ajbmeb-842	24	56	banks	bank	NOUN
ajbmeb-842	24	57	[	[	X
ajbmeb-842	24	58	9	9	NUM
ajbmeb-842	24	59	]	]	PUNCT
ajbmeb-842	24	60	.	.	PUNCT
ajbmeb-842	25	1	according	accord	VERB
ajbmeb-842	25	2	to	to	ADP
ajbmeb-842	25	3	n.	n.	PROPN
ajbmeb-842	25	4	jumaev	jumaev	PROPN
ajbmeb-842	25	5	's	's	PART
ajbmeb-842	25	6	conclusion	conclusion	NOUN
ajbmeb-842	25	7	,	,	PUNCT
ajbmeb-842	25	8	the	the	DET
ajbmeb-842	25	9	deepening	deepening	NOUN
ajbmeb-842	25	10	of	of	ADP
ajbmeb-842	25	11	the	the	DET
ajbmeb-842	25	12	problem	problem	NOUN
ajbmeb-842	25	13	of	of	ADP
ajbmeb-842	25	14	indebtedness	indebtedness	NOUN
ajbmeb-842	25	15	on	on	ADP
ajbmeb-842	25	16	international	international	ADJ
ajbmeb-842	25	17	loans	loan	NOUN
ajbmeb-842	25	18	is	be	AUX
ajbmeb-842	25	19	determined	determine	VERB
ajbmeb-842	25	20	by	by	ADP
ajbmeb-842	25	21	the	the	DET
ajbmeb-842	25	22	low	low	ADJ
ajbmeb-842	25	23	efficiency	efficiency	NOUN
ajbmeb-842	25	24	of	of	ADP
ajbmeb-842	25	25	using	use	VERB
ajbmeb-842	25	26	international	international	ADJ
ajbmeb-842	25	27	investment	investment	NOUN
ajbmeb-842	25	28	loans	loan	NOUN
ajbmeb-842	25	29	[	[	X
ajbmeb-842	25	30	10	10	NUM
ajbmeb-842	25	31	]	]	PUNCT
ajbmeb-842	25	32	.	.	PUNCT
ajbmeb-842	26	1	analysis	analysis	NOUN
ajbmeb-842	26	2	and	and	CCONJ
ajbmeb-842	26	3	results	result	NOUN
ajbmeb-842	26	4	in	in	ADP
ajbmeb-842	26	5	the	the	DET
ajbmeb-842	26	6	banking	banking	NOUN
ajbmeb-842	26	7	practice	practice	NOUN
ajbmeb-842	26	8	of	of	ADP
ajbmeb-842	26	9	developed	develop	VERB
ajbmeb-842	26	10	countries	country	NOUN
ajbmeb-842	26	11	,	,	PUNCT
ajbmeb-842	26	12	banks	bank	NOUN
ajbmeb-842	26	13	have	have	AUX
ajbmeb-842	26	14	established	establish	VERB
ajbmeb-842	26	15	a	a	DET
ajbmeb-842	26	16	comprehensive	comprehensive	ADJ
ajbmeb-842	26	17	use	use	NOUN
ajbmeb-842	26	18	of	of	ADP
ajbmeb-842	26	19	credit	credit	NOUN
ajbmeb-842	26	20	forms	form	NOUN
ajbmeb-842	26	21	for	for	ADP
ajbmeb-842	26	22	lending	lending	NOUN
ajbmeb-842	26	23	to	to	ADP
ajbmeb-842	26	24	enterprises	enterprise	NOUN
ajbmeb-842	26	25	,	,	PUNCT
ajbmeb-842	26	26	and	and	CCONJ
ajbmeb-842	26	27	leasing	leasing	NOUN
ajbmeb-842	26	28	loans	loan	NOUN
ajbmeb-842	26	29	and	and	CCONJ
ajbmeb-842	26	30	syndicated	syndicate	VERB
ajbmeb-842	26	31	loans	loan	NOUN
ajbmeb-842	26	32	are	be	AUX
ajbmeb-842	26	33	widely	widely	ADV
ajbmeb-842	26	34	used	use	VERB
ajbmeb-842	26	35	to	to	PART
ajbmeb-842	26	36	finance	finance	VERB
ajbmeb-842	26	37	their	their	PRON
ajbmeb-842	26	38	investment	investment	NOUN
ajbmeb-842	26	39	costs	cost	NOUN
ajbmeb-842	26	40	.	.	PUNCT
ajbmeb-842	27	1	in	in	ADP
ajbmeb-842	27	2	addition	addition	NOUN
ajbmeb-842	27	3	,	,	PUNCT
ajbmeb-842	27	4	the	the	DET
ajbmeb-842	27	5	provision	provision	NOUN
ajbmeb-842	27	6	of	of	ADP
ajbmeb-842	27	7	a	a	DET
ajbmeb-842	27	8	standard	standard	ADJ
ajbmeb-842	27	9	level	level	NOUN
ajbmeb-842	27	10	of	of	ADP
ajbmeb-842	27	11	loan	loan	NOUN
ajbmeb-842	27	12	loss	loss	NOUN
ajbmeb-842	27	13	reserves	reserve	NOUN
ajbmeb-842	27	14	has	have	VERB
ajbmeb-842	27	15	a	a	DET
ajbmeb-842	27	16	positive	positive	ADJ
ajbmeb-842	27	17	effect	effect	NOUN
ajbmeb-842	27	18	on	on	ADP
ajbmeb-842	27	19	their	their	PRON
ajbmeb-842	27	20	lending	lending	NOUN
ajbmeb-842	27	21	potential	potential	NOUN
ajbmeb-842	27	22	.	.	PUNCT
ajbmeb-842	28	1	also	also	ADV
ajbmeb-842	28	2	,	,	PUNCT
ajbmeb-842	28	3	in	in	ADP
ajbmeb-842	28	4	developed	develop	VERB
ajbmeb-842	28	5	countries	country	NOUN
ajbmeb-842	28	6	,	,	PUNCT
ajbmeb-842	28	7	paying	pay	VERB
ajbmeb-842	28	8	attention	attention	NOUN
ajbmeb-842	28	9	to	to	ADP
ajbmeb-842	28	10	the	the	DET
ajbmeb-842	28	11	level	level	NOUN
ajbmeb-842	28	12	of	of	ADP
ajbmeb-842	28	13	diversification	diversification	NOUN
ajbmeb-842	28	14	of	of	ADP
ajbmeb-842	28	15	the	the	DET
ajbmeb-842	28	16	credit	credit	NOUN
ajbmeb-842	28	17	portfolio	portfolio	NOUN
ajbmeb-842	28	18	plays	play	VERB
ajbmeb-842	28	19	an	an	DET
ajbmeb-842	28	20	important	important	ADJ
ajbmeb-842	28	21	role	role	NOUN
ajbmeb-842	28	22	in	in	ADP
ajbmeb-842	28	23	preventing	prevent	VERB
ajbmeb-842	28	24	the	the	DET
ajbmeb-842	28	25	level	level	NOUN
ajbmeb-842	28	26	of	of	ADP
ajbmeb-842	28	27	credit	credit	NOUN
ajbmeb-842	28	28	risk	risk	NOUN
ajbmeb-842	28	29	from	from	ADP
ajbmeb-842	28	30	exceeding	exceed	VERB
ajbmeb-842	28	31	.	.	PUNCT
ajbmeb-842	29	1	for	for	ADP
ajbmeb-842	29	2	example	example	NOUN
ajbmeb-842	29	3	,	,	PUNCT
ajbmeb-842	29	4	us	us	PROPN
ajbmeb-842	29	5	banks	bank	NOUN
ajbmeb-842	29	6	strictly	strictly	ADV
ajbmeb-842	29	7	adhere	adhere	VERB
ajbmeb-842	29	8	to	to	ADP
ajbmeb-842	29	9	the	the	DET
ajbmeb-842	29	10	principle	principle	NOUN
ajbmeb-842	29	11	of	of	ADP
ajbmeb-842	29	12	diversification	diversification	NOUN
ajbmeb-842	29	13	of	of	ADP
ajbmeb-842	29	14	the	the	DET
ajbmeb-842	29	15	loan	loan	NOUN
ajbmeb-842	29	16	portfolio	portfolio	NOUN
ajbmeb-842	29	17	.	.	PUNCT
ajbmeb-842	30	1	therefore	therefore	ADV
ajbmeb-842	30	2	,	,	PUNCT
ajbmeb-842	30	3	the	the	DET
ajbmeb-842	30	4	weight	weight	NOUN
ajbmeb-842	30	5	of	of	ADP
ajbmeb-842	30	6	loans	loan	NOUN
ajbmeb-842	30	7	given	give	VERB
ajbmeb-842	30	8	to	to	ADP
ajbmeb-842	30	9	enterprises	enterprise	NOUN
ajbmeb-842	30	10	of	of	ADP
ajbmeb-842	30	11	one	one	NUM
ajbmeb-842	30	12	branch	branch	NOUN
ajbmeb-842	30	13	in	in	ADP
ajbmeb-842	30	14	the	the	DET
ajbmeb-842	30	15	loan	loan	NOUN
ajbmeb-842	30	16	portfolio	portfolio	NOUN
ajbmeb-842	30	17	of	of	ADP
ajbmeb-842	30	18	commercial	commercial	ADJ
ajbmeb-842	30	19	banks	bank	NOUN
ajbmeb-842	30	20	of	of	ADP
ajbmeb-842	30	21	this	this	DET
ajbmeb-842	30	22	country	country	NOUN
ajbmeb-842	30	23	does	do	AUX
ajbmeb-842	30	24	not	not	PART
ajbmeb-842	30	25	exceed	exceed	VERB
ajbmeb-842	30	26	25	25	NUM
ajbmeb-842	30	27	percent	percent	NOUN
ajbmeb-842	30	28	.	.	PUNCT
ajbmeb-842	31	1	american	american	ADJ
ajbmeb-842	31	2	journal	journal	PROPN
ajbmeb-842	31	3	of	of	ADP
ajbmeb-842	31	4	business	business	NOUN
ajbmeb-842	31	5	management	management	NOUN
ajbmeb-842	31	6	,	,	PUNCT
ajbmeb-842	31	7	economics	economic	NOUN
ajbmeb-842	31	8	and	and	CCONJ
ajbmeb-842	31	9	banking	banking	NOUN
ajbmeb-842	31	10	volume	volume	NOUN
ajbmeb-842	31	11	12	12	NUM
ajbmeb-842	31	12	may	may	PROPN
ajbmeb-842	31	13	,	,	PUNCT
ajbmeb-842	31	14	2023	2023	NUM
ajbmeb-842	31	15	p	p	NOUN
ajbmeb-842	31	16	a	a	DET
ajbmeb-842	31	17	g	g	NOUN
ajbmeb-842	31	18	e	e	NOUN
ajbmeb-842	31	19	|	|	ADV
ajbmeb-842	31	20	84	84	NUM
ajbmeb-842	31	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-842	31	22	low	low	ADJ
ajbmeb-842	31	23	and	and	CCONJ
ajbmeb-842	31	24	stable	stable	ADJ
ajbmeb-842	31	25	loan	loan	NOUN
ajbmeb-842	31	26	interest	interest	NOUN
ajbmeb-842	31	27	rates	rate	NOUN
ajbmeb-842	31	28	are	be	AUX
ajbmeb-842	31	29	one	one	NUM
ajbmeb-842	31	30	of	of	ADP
ajbmeb-842	31	31	the	the	DET
ajbmeb-842	31	32	primary	primary	ADJ
ajbmeb-842	31	33	prerequisites	prerequisite	NOUN
ajbmeb-842	31	34	for	for	ADP
ajbmeb-842	31	35	ensuring	ensure	VERB
ajbmeb-842	31	36	stable	stable	ADJ
ajbmeb-842	31	37	growth	growth	NOUN
ajbmeb-842	31	38	of	of	ADP
ajbmeb-842	31	39	commercial	commercial	ADJ
ajbmeb-842	31	40	banks	bank	NOUN
ajbmeb-842	31	41	'	'	PART
ajbmeb-842	31	42	loans	loan	NOUN
ajbmeb-842	31	43	.	.	PUNCT
ajbmeb-842	32	1	we	we	PRON
ajbmeb-842	32	2	evaluate	evaluate	VERB
ajbmeb-842	32	3	the	the	DET
ajbmeb-842	32	4	stability	stability	NOUN
ajbmeb-842	32	5	of	of	ADP
ajbmeb-842	32	6	interest	interest	NOUN
ajbmeb-842	32	7	rates	rate	NOUN
ajbmeb-842	32	8	on	on	ADP
ajbmeb-842	32	9	deposits	deposit	NOUN
ajbmeb-842	32	10	and	and	CCONJ
ajbmeb-842	32	11	loans	loan	NOUN
ajbmeb-842	32	12	of	of	ADP
ajbmeb-842	32	13	russian	russian	ADJ
ajbmeb-842	32	14	commercial	commercial	ADJ
ajbmeb-842	32	15	banks	bank	NOUN
ajbmeb-842	32	16	using	use	VERB
ajbmeb-842	32	17	the	the	DET
ajbmeb-842	32	18	data	datum	NOUN
ajbmeb-842	32	19	in	in	ADP
ajbmeb-842	32	20	the	the	DET
ajbmeb-842	32	21	table	table	NOUN
ajbmeb-842	32	22	below	below	ADV
ajbmeb-842	32	23	(	(	PUNCT
ajbmeb-842	32	24	table	table	NOUN
ajbmeb-842	32	25	1	1	NUM
ajbmeb-842	32	26	)	)	PUNCT
ajbmeb-842	32	27	.	.	PUNCT
ajbmeb-842	33	1	table	table	NOUN
ajbmeb-842	33	2	1	1	NUM
ajbmeb-842	33	3	average	average	ADJ
ajbmeb-842	33	4	annual	annual	ADJ
ajbmeb-842	33	5	interest	interest	NOUN
ajbmeb-842	33	6	rates	rate	NOUN
ajbmeb-842	33	7	of	of	ADP
ajbmeb-842	33	8	deposits	deposit	NOUN
ajbmeb-842	33	9	and	and	CCONJ
ajbmeb-842	33	10	loans	loan	NOUN
ajbmeb-842	33	11	of	of	ADP
ajbmeb-842	33	12	commercial	commercial	ADJ
ajbmeb-842	33	13	banks	bank	NOUN
ajbmeb-842	33	14	of	of	ADP
ajbmeb-842	33	15	the	the	DET
ajbmeb-842	33	16	russian	russian	PROPN
ajbmeb-842	33	17	federation	federation	PROPN
ajbmeb-842	33	18	in	in	ADP
ajbmeb-842	33	19	national	national	ADJ
ajbmeb-842	33	20	currency	currency	NOUN
ajbmeb-842	33	21	-	-	PUNCT
ajbmeb-842	33	22	rubles	ruble	NOUN
ajbmeb-842	33	23	,	,	PUNCT
ajbmeb-842	33	24	in	in	ADP
ajbmeb-842	33	25	percent[11	percent[11	NOUN
ajbmeb-842	33	26	]	]	PUNCT
ajbmeb-842	33	27	indicators	indicator	NOUN
ajbmeb-842	33	28	2017	2017	NUM
ajbmeb-842	33	29	2018	2018	NUM
ajbmeb-842	33	30	2019	2019	NUM
ajbmeb-842	33	31	2020	2020	NUM
ajbmeb-842	33	32	2021	2021	NUM
ajbmeb-842	33	33	interest	interest	NOUN
ajbmeb-842	33	34	rate	rate	NOUN
ajbmeb-842	33	35	of	of	ADP
ajbmeb-842	33	36	deposits	deposit	NOUN
ajbmeb-842	33	37	8,2	8,2	NUM
ajbmeb-842	33	38	5,9	5,9	NUM
ajbmeb-842	33	39	5,6	5,6	NUM
ajbmeb-842	33	40	4,1	4,1	NUM
ajbmeb-842	33	41	4,4	4,4	NUM
ajbmeb-842	33	42	interest	interest	NOUN
ajbmeb-842	33	43	rate	rate	NOUN
ajbmeb-842	33	44	of	of	ADP
ajbmeb-842	33	45	loans	loan	NOUN
ajbmeb-842	34	1	12,1	12,1	NUM
ajbmeb-842	34	2	10,5	10,5	NUM
ajbmeb-842	34	3	9,5	9,5	NUM
ajbmeb-842	34	4	8,3	8,3	NUM
ajbmeb-842	34	5	8,8	8,8	NUM
ajbmeb-842	34	6	from	from	ADP
ajbmeb-842	34	7	the	the	DET
ajbmeb-842	34	8	data	datum	NOUN
ajbmeb-842	34	9	presented	present	VERB
ajbmeb-842	34	10	in	in	ADP
ajbmeb-842	34	11	table	table	NOUN
ajbmeb-842	34	12	1	1	NUM
ajbmeb-842	34	13	,	,	PUNCT
ajbmeb-842	34	14	it	it	PRON
ajbmeb-842	34	15	can	can	AUX
ajbmeb-842	34	16	be	be	AUX
ajbmeb-842	34	17	seen	see	VERB
ajbmeb-842	34	18	that	that	SCONJ
ajbmeb-842	34	19	in	in	ADP
ajbmeb-842	34	20	2017	2017	NUM
ajbmeb-842	34	21	-	-	SYM
ajbmeb-842	34	22	2020	2020	NUM
ajbmeb-842	34	23	,	,	PUNCT
ajbmeb-842	34	24	the	the	DET
ajbmeb-842	34	25	average	average	ADJ
ajbmeb-842	34	26	interest	interest	NOUN
ajbmeb-842	34	27	rate	rate	NOUN
ajbmeb-842	34	28	of	of	ADP
ajbmeb-842	34	29	deposits	deposit	NOUN
ajbmeb-842	34	30	received	receive	VERB
ajbmeb-842	34	31	by	by	ADP
ajbmeb-842	34	32	the	the	DET
ajbmeb-842	34	33	commercial	commercial	ADJ
ajbmeb-842	34	34	banks	bank	NOUN
ajbmeb-842	34	35	of	of	ADP
ajbmeb-842	34	36	the	the	DET
ajbmeb-842	34	37	russian	russian	PROPN
ajbmeb-842	34	38	federation	federation	PROPN
ajbmeb-842	34	39	in	in	ADP
ajbmeb-842	34	40	national	national	ADJ
ajbmeb-842	34	41	currency	currency	NOUN
ajbmeb-842	34	42	tended	tend	VERB
ajbmeb-842	34	43	to	to	PART
ajbmeb-842	34	44	decrease	decrease	VERB
ajbmeb-842	34	45	.	.	PUNCT
ajbmeb-842	35	1	this	this	DET
ajbmeb-842	35	2	downward	downward	ADJ
ajbmeb-842	35	3	trend	trend	NOUN
ajbmeb-842	35	4	is	be	AUX
ajbmeb-842	35	5	explained	explain	VERB
ajbmeb-842	35	6	by	by	ADP
ajbmeb-842	35	7	the	the	DET
ajbmeb-842	35	8	fact	fact	NOUN
ajbmeb-842	35	9	that	that	SCONJ
ajbmeb-842	35	10	the	the	DET
ajbmeb-842	35	11	average	average	ADJ
ajbmeb-842	35	12	interest	interest	NOUN
ajbmeb-842	35	13	rate	rate	NOUN
ajbmeb-842	35	14	of	of	ADP
ajbmeb-842	35	15	loans	loan	NOUN
ajbmeb-842	35	16	granted	grant	VERB
ajbmeb-842	35	17	by	by	ADP
ajbmeb-842	35	18	commercial	commercial	ADJ
ajbmeb-842	35	19	banks	bank	NOUN
ajbmeb-842	35	20	in	in	ADP
ajbmeb-842	35	21	the	the	DET
ajbmeb-842	35	22	national	national	ADJ
ajbmeb-842	35	23	currency	currency	NOUN
ajbmeb-842	35	24	during	during	ADP
ajbmeb-842	35	25	this	this	DET
ajbmeb-842	35	26	period	period	NOUN
ajbmeb-842	35	27	has	have	AUX
ajbmeb-842	35	28	a	a	DET
ajbmeb-842	35	29	tendency	tendency	NOUN
ajbmeb-842	35	30	to	to	PART
ajbmeb-842	35	31	decrease	decrease	VERB
ajbmeb-842	35	32	.	.	PUNCT
ajbmeb-842	36	1	in	in	ADP
ajbmeb-842	36	2	addition	addition	NOUN
ajbmeb-842	36	3	,	,	PUNCT
ajbmeb-842	36	4	the	the	DET
ajbmeb-842	36	5	average	average	ADJ
ajbmeb-842	36	6	interest	interest	NOUN
ajbmeb-842	36	7	rates	rate	NOUN
ajbmeb-842	36	8	of	of	ADP
ajbmeb-842	36	9	deposits	deposit	NOUN
ajbmeb-842	36	10	and	and	CCONJ
ajbmeb-842	36	11	loans	loan	NOUN
ajbmeb-842	36	12	of	of	ADP
ajbmeb-842	36	13	russian	russian	ADJ
ajbmeb-842	36	14	commercial	commercial	ADJ
ajbmeb-842	36	15	banks	bank	NOUN
ajbmeb-842	36	16	in	in	ADP
ajbmeb-842	36	17	2021	2021	NUM
ajbmeb-842	36	18	decreased	decrease	VERB
ajbmeb-842	36	19	significantly	significantly	ADV
ajbmeb-842	36	20	compared	compare	VERB
ajbmeb-842	36	21	to	to	ADP
ajbmeb-842	36	22	2017	2017	NUM
ajbmeb-842	36	23	.	.	PUNCT
ajbmeb-842	37	1	these	these	DET
ajbmeb-842	37	2	circumstances	circumstance	NOUN
ajbmeb-842	37	3	are	be	AUX
ajbmeb-842	37	4	positive	positive	ADJ
ajbmeb-842	37	5	from	from	ADP
ajbmeb-842	37	6	the	the	DET
ajbmeb-842	37	7	point	point	NOUN
ajbmeb-842	37	8	of	of	ADP
ajbmeb-842	37	9	view	view	NOUN
ajbmeb-842	37	10	of	of	ADP
ajbmeb-842	37	11	ensuring	ensure	VERB
ajbmeb-842	37	12	the	the	DET
ajbmeb-842	37	13	investment	investment	NOUN
ajbmeb-842	37	14	attractiveness	attractiveness	NOUN
ajbmeb-842	37	15	of	of	ADP
ajbmeb-842	37	16	commercial	commercial	ADJ
ajbmeb-842	37	17	banks	bank	NOUN
ajbmeb-842	37	18	.	.	PUNCT
ajbmeb-842	38	1	table	table	NOUN
ajbmeb-842	38	2	2	2	NUM
ajbmeb-842	38	3	average	average	ADJ
ajbmeb-842	38	4	annual	annual	ADJ
ajbmeb-842	38	5	interest	interest	NOUN
ajbmeb-842	38	6	rates	rate	NOUN
ajbmeb-842	38	7	of	of	ADP
ajbmeb-842	38	8	deposits	deposit	NOUN
ajbmeb-842	38	9	and	and	CCONJ
ajbmeb-842	38	10	loans	loan	NOUN
ajbmeb-842	38	11	in	in	ADP
ajbmeb-842	38	12	national	national	ADJ
ajbmeb-842	38	13	currency	currency	NOUN
ajbmeb-842	38	14	by	by	ADP
ajbmeb-842	38	15	commercial	commercial	ADJ
ajbmeb-842	38	16	banks	bank	NOUN
ajbmeb-842	38	17	of	of	ADP
ajbmeb-842	38	18	the	the	DET
ajbmeb-842	38	19	republic	republic	NOUN
ajbmeb-842	38	20	of	of	ADP
ajbmeb-842	38	21	uzbekistan	uzbekistan	PROPN
ajbmeb-842	38	22	,	,	PUNCT
ajbmeb-842	38	23	in	in	ADP
ajbmeb-842	38	24	percent	percent	NOUN
ajbmeb-842	39	1	[	[	X
ajbmeb-842	39	2	12	12	NUM
ajbmeb-842	39	3	]	]	PUNCT
ajbmeb-842	39	4	the	the	DET
ajbmeb-842	39	5	average	average	ADJ
ajbmeb-842	39	6	annual	annual	ADJ
ajbmeb-842	39	7	interest	interest	NOUN
ajbmeb-842	39	8	rate	rate	NOUN
ajbmeb-842	39	9	of	of	ADP
ajbmeb-842	39	10	deposits	deposit	NOUN
ajbmeb-842	39	11	with	with	ADP
ajbmeb-842	39	12	a	a	DET
ajbmeb-842	39	13	maturity	maturity	NOUN
ajbmeb-842	39	14	of	of	ADP
ajbmeb-842	39	15	up	up	ADP
ajbmeb-842	39	16	to	to	PART
ajbmeb-842	39	17	1	1	NUM
ajbmeb-842	39	18	year	year	NOUN
ajbmeb-842	39	19	in	in	ADP
ajbmeb-842	39	20	national	national	ADJ
ajbmeb-842	39	21	currency	currency	NOUN
ajbmeb-842	39	22	14,2	14,2	PROPN
ajbmeb-842	39	23	14,9	14,9	NUM
ajbmeb-842	39	24	16,1	16,1	NUM
ajbmeb-842	39	25	16,3	16,3	NUM
ajbmeb-842	39	26	15,5	15,5	NUM
ajbmeb-842	39	27	average	average	ADJ
ajbmeb-842	39	28	annual	annual	ADJ
ajbmeb-842	39	29	interest	interest	NOUN
ajbmeb-842	39	30	rate	rate	NOUN
ajbmeb-842	39	31	of	of	ADP
ajbmeb-842	39	32	loans	loan	NOUN
ajbmeb-842	39	33	in	in	ADP
ajbmeb-842	39	34	national	national	ADJ
ajbmeb-842	39	35	currency	currency	NOUN
ajbmeb-842	39	36	16,2	16,2	NUM
ajbmeb-842	39	37	21,1	21,1	NUM
ajbmeb-842	39	38	23,7	23,7	NUM
ajbmeb-842	39	39	22,3	22,3	NUM
ajbmeb-842	39	40	20,8	20,8	NUM
ajbmeb-842	39	41	from	from	ADP
ajbmeb-842	39	42	the	the	DET
ajbmeb-842	39	43	information	information	NOUN
ajbmeb-842	39	44	presented	present	VERB
ajbmeb-842	39	45	in	in	ADP
ajbmeb-842	39	46	table	table	NOUN
ajbmeb-842	39	47	2	2	NUM
ajbmeb-842	39	48	,	,	PUNCT
ajbmeb-842	39	49	the	the	DET
ajbmeb-842	39	50	interest	interest	NOUN
ajbmeb-842	39	51	rates	rate	NOUN
ajbmeb-842	39	52	of	of	ADP
ajbmeb-842	39	53	deposits	deposit	NOUN
ajbmeb-842	39	54	attracted	attract	VERB
ajbmeb-842	39	55	by	by	ADP
ajbmeb-842	39	56	commercial	commercial	ADJ
ajbmeb-842	39	57	banks	bank	NOUN
ajbmeb-842	39	58	in	in	ADP
ajbmeb-842	39	59	the	the	DET
ajbmeb-842	39	60	national	national	ADJ
ajbmeb-842	39	61	currency	currency	NOUN
ajbmeb-842	39	62	and	and	CCONJ
ajbmeb-842	39	63	loans	loan	NOUN
ajbmeb-842	39	64	granted	grant	VERB
ajbmeb-842	39	65	in	in	ADP
ajbmeb-842	39	66	the	the	DET
ajbmeb-842	39	67	national	national	ADJ
ajbmeb-842	39	68	currency	currency	NOUN
ajbmeb-842	39	69	were	be	AUX
ajbmeb-842	39	70	relatively	relatively	ADV
ajbmeb-842	39	71	high	high	ADJ
ajbmeb-842	39	72	in	in	ADP
ajbmeb-842	39	73	2017	2017	NUM
ajbmeb-842	39	74	-	-	SYM
ajbmeb-842	39	75	2021	2021	NUM
ajbmeb-842	39	76	.	.	PUNCT
ajbmeb-842	40	1	table	table	NOUN
ajbmeb-842	40	2	3	3	NUM
ajbmeb-842	40	3	loan	loan	NOUN
ajbmeb-842	40	4	loss	loss	NOUN
ajbmeb-842	40	5	provisions	provision	NOUN
ajbmeb-842	40	6	at	at	ADP
ajbmeb-842	40	7	bank	bank	PROPN
ajbmeb-842	40	8	of	of	ADP
ajbmeb-842	40	9	america	america	PROPN
ajbmeb-842	40	10	(	(	PUNCT
ajbmeb-842	40	11	usa	usa	PROPN
ajbmeb-842	40	12	)	)	PUNCT
ajbmeb-842	40	13	.	.	PUNCT
ajbmeb-842	41	1	quantity	quantity	NOUN
ajbmeb-842	41	2	and	and	CCONJ
ajbmeb-842	41	3	level	level	NOUN
ajbmeb-842	41	4	[	[	X
ajbmeb-842	41	5	13	13	NUM
ajbmeb-842	41	6	]	]	SYM
ajbmeb-842	41	7	indicators	indicator	NOUN
ajbmeb-842	41	8	2017	2017	NUM
ajbmeb-842	41	9	2018	2018	NUM
ajbmeb-842	41	10	2019	2019	NUM
ajbmeb-842	41	11	2020	2020	NUM
ajbmeb-842	41	12	2021	2021	NUM
ajbmeb-842	41	13	amount	amount	NOUN
ajbmeb-842	41	14	of	of	ADP
ajbmeb-842	41	15	loan	loan	NOUN
ajbmeb-842	41	16	reserve	reserve	NOUN
ajbmeb-842	41	17	,	,	PUNCT
ajbmeb-842	41	18	mln	mln	PROPN
ajbmeb-842	41	19	.	.	PUNCT
ajbmeb-842	42	1	us	us	PROPN
ajbmeb-842	42	2	dollars	dollar	VERB
ajbmeb-842	42	3	3396	3396	NUM
ajbmeb-842	42	4	3282	3282	NUM
ajbmeb-842	42	5	3590	3590	NUM
ajbmeb-842	42	6	11329	11329	NUM
ajbmeb-842	42	7	4594	4594	NUM
ajbmeb-842	42	8	the	the	DET
ajbmeb-842	42	9	level	level	NOUN
ajbmeb-842	42	10	of	of	ADP
ajbmeb-842	42	11	reserve	reserve	NOUN
ajbmeb-842	42	12	allocations	allocation	NOUN
ajbmeb-842	42	13	for	for	ADP
ajbmeb-842	42	14	loans	loan	NOUN
ajbmeb-842	42	15	in	in	ADP
ajbmeb-842	42	16	relation	relation	NOUN
ajbmeb-842	42	17	to	to	ADP
ajbmeb-842	42	18	gross	gross	ADJ
ajbmeb-842	42	19	assets	asset	NOUN
ajbmeb-842	42	20	,	,	PUNCT
ajbmeb-842	42	21	%	%	NOUN
ajbmeb-842	42	22	0,1	0,1	NUM
ajbmeb-842	42	23	0,1	0,1	NUM
ajbmeb-842	42	24	0,1	0,1	NUM
ajbmeb-842	42	25	0,4	0,4	NUM
ajbmeb-842	42	26	0,1	0,1	NUM
ajbmeb-842	42	27	from	from	ADP
ajbmeb-842	42	28	the	the	DET
ajbmeb-842	42	29	data	datum	NOUN
ajbmeb-842	42	30	presented	present	VERB
ajbmeb-842	42	31	in	in	ADP
ajbmeb-842	42	32	table	table	NOUN
ajbmeb-842	42	33	3	3	NUM
ajbmeb-842	42	34	,	,	PUNCT
ajbmeb-842	42	35	it	it	PRON
ajbmeb-842	42	36	can	can	AUX
ajbmeb-842	42	37	be	be	AUX
ajbmeb-842	42	38	seen	see	VERB
ajbmeb-842	42	39	that	that	SCONJ
ajbmeb-842	42	40	bank	bank	PROPN
ajbmeb-842	42	41	of	of	ADP
ajbmeb-842	42	42	america	america	PROPN
ajbmeb-842	42	43	's	's	PART
ajbmeb-842	42	44	loan	loan	NOUN
ajbmeb-842	42	45	loss	loss	NOUN
ajbmeb-842	42	46	provisions	provision	NOUN
ajbmeb-842	42	47	have	have	AUX
ajbmeb-842	42	48	had	have	VERB
ajbmeb-842	42	49	an	an	DET
ajbmeb-842	42	50	increasing	increase	VERB
ajbmeb-842	42	51	trend	trend	NOUN
ajbmeb-842	42	52	in	in	ADP
ajbmeb-842	42	53	2018	2018	NUM
ajbmeb-842	42	54	-	-	SYM
ajbmeb-842	42	55	2020	2020	NUM
ajbmeb-842	42	56	.	.	PUNCT
ajbmeb-842	43	1	this	this	PRON
ajbmeb-842	43	2	is	be	AUX
ajbmeb-842	43	3	a	a	DET
ajbmeb-842	43	4	negative	negative	ADJ
ajbmeb-842	43	5	situation	situation	NOUN
ajbmeb-842	43	6	from	from	ADP
ajbmeb-842	43	7	the	the	DET
ajbmeb-842	43	8	point	point	NOUN
ajbmeb-842	43	9	of	of	ADP
ajbmeb-842	43	10	view	view	NOUN
ajbmeb-842	43	11	of	of	ADP
ajbmeb-842	43	12	improving	improve	VERB
ajbmeb-842	43	13	the	the	DET
ajbmeb-842	43	14	bank	bank	NOUN
ajbmeb-842	43	15	's	's	PART
ajbmeb-842	43	16	credit	credit	NOUN
ajbmeb-842	43	17	services	service	NOUN
ajbmeb-842	43	18	.	.	PUNCT
ajbmeb-842	44	1	however	however	ADV
ajbmeb-842	44	2	,	,	PUNCT
ajbmeb-842	44	3	in	in	ADP
ajbmeb-842	44	4	2021	2021	NUM
ajbmeb-842	44	5	,	,	PUNCT
ajbmeb-842	44	6	the	the	DET
ajbmeb-842	44	7	level	level	NOUN
ajbmeb-842	44	8	of	of	ADP
ajbmeb-842	44	9	this	this	DET
ajbmeb-842	44	10	indicator	indicator	NOUN
ajbmeb-842	44	11	has	have	AUX
ajbmeb-842	44	12	significantly	significantly	ADV
ajbmeb-842	44	13	decreased	decrease	VERB
ajbmeb-842	44	14	compared	compare	VERB
ajbmeb-842	44	15	to	to	ADP
ajbmeb-842	44	16	2020	2020	NUM
ajbmeb-842	44	17	.	.	PUNCT
ajbmeb-842	45	1	from	from	ADP
ajbmeb-842	45	2	the	the	DET
ajbmeb-842	45	3	data	datum	NOUN
ajbmeb-842	45	4	presented	present	VERB
ajbmeb-842	45	5	in	in	ADP
ajbmeb-842	45	6	table	table	NOUN
ajbmeb-842	45	7	3	3	NUM
ajbmeb-842	45	8	,	,	PUNCT
ajbmeb-842	45	9	it	it	PRON
ajbmeb-842	45	10	can	can	AUX
ajbmeb-842	45	11	be	be	AUX
ajbmeb-842	45	12	seen	see	VERB
ajbmeb-842	45	13	that	that	SCONJ
ajbmeb-842	45	14	the	the	DET
ajbmeb-842	45	15	level	level	NOUN
ajbmeb-842	45	16	of	of	ADP
ajbmeb-842	45	17	loan	loan	NOUN
ajbmeb-842	45	18	loss	loss	NOUN
ajbmeb-842	45	19	provisions	provision	NOUN
ajbmeb-842	45	20	at	at	ADP
ajbmeb-842	45	21	bank	bank	PROPN
ajbmeb-842	45	22	of	of	ADP
ajbmeb-842	45	23	america	america	PROPN
ajbmeb-842	45	24	in	in	ADP
ajbmeb-842	45	25	relation	relation	NOUN
ajbmeb-842	45	26	to	to	ADP
ajbmeb-842	45	27	gross	gross	ADJ
ajbmeb-842	45	28	assets	asset	NOUN
ajbmeb-842	45	29	was	be	AUX
ajbmeb-842	45	30	stable	stable	ADJ
ajbmeb-842	45	31	in	in	ADP
ajbmeb-842	45	32	2017	2017	NUM
ajbmeb-842	45	33	-	-	SYM
ajbmeb-842	45	34	2021	2021	NUM
ajbmeb-842	45	35	(	(	PUNCT
ajbmeb-842	45	36	except	except	SCONJ
ajbmeb-842	45	37	for	for	ADP
ajbmeb-842	45	38	2020	2020	NUM
ajbmeb-842	45	39	)	)	PUNCT
ajbmeb-842	45	40	.	.	PUNCT
ajbmeb-842	46	1	this	this	PRON
ajbmeb-842	46	2	is	be	AUX
ajbmeb-842	46	3	a	a	DET
ajbmeb-842	46	4	positive	positive	ADJ
ajbmeb-842	46	5	situation	situation	NOUN
ajbmeb-842	46	6	from	from	ADP
ajbmeb-842	46	7	the	the	DET
ajbmeb-842	46	8	point	point	NOUN
ajbmeb-842	46	9	of	of	ADP
ajbmeb-842	46	10	view	view	NOUN
ajbmeb-842	46	11	of	of	ADP
ajbmeb-842	46	12	improving	improve	VERB
ajbmeb-842	46	13	the	the	DET
ajbmeb-842	46	14	bank	bank	NOUN
ajbmeb-842	46	15	's	's	PART
ajbmeb-842	46	16	credit	credit	NOUN
ajbmeb-842	46	17	services	service	NOUN
ajbmeb-842	46	18	.	.	PUNCT
ajbmeb-842	47	1	american	american	ADJ
ajbmeb-842	47	2	journal	journal	PROPN
ajbmeb-842	47	3	of	of	ADP
ajbmeb-842	47	4	business	business	NOUN
ajbmeb-842	47	5	management	management	NOUN
ajbmeb-842	47	6	,	,	PUNCT
ajbmeb-842	47	7	economics	economic	NOUN
ajbmeb-842	47	8	and	and	CCONJ
ajbmeb-842	47	9	banking	banking	NOUN
ajbmeb-842	47	10	volume	volume	NOUN
ajbmeb-842	47	11	12	12	NUM
ajbmeb-842	47	12	may	may	PROPN
ajbmeb-842	47	13	,	,	PUNCT
ajbmeb-842	47	14	2023	2023	NUM
ajbmeb-842	47	15	p	p	NOUN
ajbmeb-842	47	16	a	a	PRON
ajbmeb-842	47	17	g	g	NOUN
ajbmeb-842	47	18	e	e	NOUN
ajbmeb-842	47	19	|	|	ADV
ajbmeb-842	47	20	85	85	NUM
ajbmeb-842	47	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-842	47	22	figure	figure	NOUN
ajbmeb-842	47	23	1	1	NUM
ajbmeb-842	47	24	.	.	PUNCT
ajbmeb-842	47	25	profitability	profitability	NOUN
ajbmeb-842	47	26	of	of	ADP
ajbmeb-842	47	27	loans	loan	NOUN
ajbmeb-842	47	28	at	at	ADP
ajbmeb-842	47	29	jsc	jsc	PROPN
ajbmeb-842	47	30	"	"	PUNCT
ajbmeb-842	47	31	asakabank	asakabank	NOUN
ajbmeb-842	47	32	"	"	PUNCT
ajbmeb-842	47	33	and	and	CCONJ
ajbmeb-842	47	34	jsc	jsc	PROPN
ajbmeb-842	47	35	"	"	PUNCT
ajbmeb-842	47	36	turonbank	turonbank	NOUN
ajbmeb-842	47	37	"	"	PUNCT
ajbmeb-842	47	38	[	[	X
ajbmeb-842	47	39	14	14	NUM
ajbmeb-842	47	40	]	]	PUNCT
ajbmeb-842	47	41	from	from	ADP
ajbmeb-842	47	42	the	the	DET
ajbmeb-842	47	43	data	datum	NOUN
ajbmeb-842	47	44	of	of	ADP
ajbmeb-842	47	45	figure	figure	NOUN
ajbmeb-842	47	46	1	1	NUM
ajbmeb-842	47	47	,	,	PUNCT
ajbmeb-842	47	48	it	it	PRON
ajbmeb-842	47	49	can	can	AUX
ajbmeb-842	47	50	be	be	AUX
ajbmeb-842	47	51	seen	see	VERB
ajbmeb-842	47	52	that	that	SCONJ
ajbmeb-842	47	53	the	the	DET
ajbmeb-842	47	54	profitability	profitability	NOUN
ajbmeb-842	47	55	of	of	ADP
ajbmeb-842	47	56	loans	loan	NOUN
ajbmeb-842	47	57	in	in	ADP
ajbmeb-842	47	58	asakabank	asakabank	NOUN
ajbmeb-842	47	59	increased	increase	VERB
ajbmeb-842	47	60	significantly	significantly	ADV
ajbmeb-842	47	61	in	in	ADP
ajbmeb-842	47	62	2021	2021	NUM
ajbmeb-842	47	63	compared	compare	VERB
ajbmeb-842	47	64	to	to	ADP
ajbmeb-842	47	65	2017	2017	NUM
ajbmeb-842	47	66	.	.	PUNCT
ajbmeb-842	48	1	however	however	ADV
ajbmeb-842	48	2	,	,	PUNCT
ajbmeb-842	48	3	in	in	ADP
ajbmeb-842	48	4	2020	2020	NUM
ajbmeb-842	48	5	compared	compare	VERB
ajbmeb-842	48	6	to	to	ADP
ajbmeb-842	48	7	2019	2019	NUM
ajbmeb-842	48	8	,	,	PUNCT
ajbmeb-842	48	9	this	this	DET
ajbmeb-842	48	10	indicator	indicator	NOUN
ajbmeb-842	48	11	decreased	decrease	VERB
ajbmeb-842	48	12	.	.	PUNCT
ajbmeb-842	49	1	from	from	ADP
ajbmeb-842	49	2	the	the	DET
ajbmeb-842	49	3	data	datum	NOUN
ajbmeb-842	49	4	of	of	ADP
ajbmeb-842	49	5	figure	figure	NOUN
ajbmeb-842	49	6	1	1	NUM
ajbmeb-842	49	7	,	,	PUNCT
ajbmeb-842	49	8	it	it	PRON
ajbmeb-842	49	9	can	can	AUX
ajbmeb-842	49	10	be	be	AUX
ajbmeb-842	49	11	seen	see	VERB
ajbmeb-842	49	12	that	that	SCONJ
ajbmeb-842	49	13	the	the	DET
ajbmeb-842	49	14	profitability	profitability	NOUN
ajbmeb-842	49	15	of	of	ADP
ajbmeb-842	49	16	loans	loan	NOUN
ajbmeb-842	49	17	in	in	ADP
ajbmeb-842	49	18	turonbank	turonbank	NOUN
ajbmeb-842	49	19	increased	increase	VERB
ajbmeb-842	49	20	significantly	significantly	ADV
ajbmeb-842	49	21	in	in	ADP
ajbmeb-842	49	22	2021	2021	NUM
ajbmeb-842	49	23	compared	compare	VERB
ajbmeb-842	49	24	to	to	ADP
ajbmeb-842	49	25	2017	2017	NUM
ajbmeb-842	49	26	.	.	PUNCT
ajbmeb-842	50	1	however	however	ADV
ajbmeb-842	50	2	,	,	PUNCT
ajbmeb-842	50	3	in	in	ADP
ajbmeb-842	50	4	2020	2020	NUM
ajbmeb-842	50	5	,	,	PUNCT
ajbmeb-842	50	6	this	this	DET
ajbmeb-842	50	7	indicator	indicator	NOUN
ajbmeb-842	50	8	significantly	significantly	ADV
ajbmeb-842	50	9	decreased	decrease	VERB
ajbmeb-842	50	10	compared	compare	VERB
ajbmeb-842	50	11	to	to	ADP
ajbmeb-842	50	12	2017	2017	NUM
ajbmeb-842	50	13	.	.	PUNCT
ajbmeb-842	51	1	conclusions	conclusion	NOUN
ajbmeb-842	51	2	and	and	CCONJ
ajbmeb-842	51	3	suggestions	suggestion	NOUN
ajbmeb-842	51	4	during	during	ADP
ajbmeb-842	51	5	the	the	DET
ajbmeb-842	51	6	research	research	NOUN
ajbmeb-842	51	7	,	,	PUNCT
ajbmeb-842	51	8	we	we	PRON
ajbmeb-842	51	9	formed	form	VERB
ajbmeb-842	51	10	the	the	DET
ajbmeb-842	51	11	following	following	ADJ
ajbmeb-842	51	12	conclusions	conclusion	NOUN
ajbmeb-842	51	13	:	:	PUNCT
ajbmeb-842	51	14	assessment	assessment	NOUN
ajbmeb-842	51	15	of	of	ADP
ajbmeb-842	51	16	the	the	DET
ajbmeb-842	51	17	stability	stability	NOUN
ajbmeb-842	51	18	of	of	ADP
ajbmeb-842	51	19	interest	interest	NOUN
ajbmeb-842	51	20	rates	rate	NOUN
ajbmeb-842	51	21	of	of	ADP
ajbmeb-842	51	22	deposits	deposit	NOUN
ajbmeb-842	51	23	and	and	CCONJ
ajbmeb-842	51	24	loans	loan	NOUN
ajbmeb-842	51	25	*	*	PUNCT
ajbmeb-842	51	26	in	in	ADP
ajbmeb-842	51	27	2017	2017	NUM
ajbmeb-842	51	28	-	-	SYM
ajbmeb-842	51	29	2020	2020	NUM
ajbmeb-842	51	30	,	,	PUNCT
ajbmeb-842	51	31	the	the	DET
ajbmeb-842	51	32	average	average	ADJ
ajbmeb-842	51	33	interest	interest	NOUN
ajbmeb-842	51	34	rate	rate	NOUN
ajbmeb-842	51	35	of	of	ADP
ajbmeb-842	51	36	deposits	deposit	NOUN
ajbmeb-842	51	37	accepted	accept	VERB
ajbmeb-842	51	38	by	by	ADP
ajbmeb-842	51	39	the	the	DET
ajbmeb-842	51	40	commercial	commercial	ADJ
ajbmeb-842	51	41	banks	bank	NOUN
ajbmeb-842	51	42	of	of	ADP
ajbmeb-842	51	43	the	the	DET
ajbmeb-842	51	44	russian	russian	PROPN
ajbmeb-842	51	45	federation	federation	PROPN
ajbmeb-842	51	46	in	in	ADP
ajbmeb-842	51	47	the	the	DET
ajbmeb-842	51	48	national	national	ADJ
ajbmeb-842	51	49	currency	currency	NOUN
ajbmeb-842	51	50	was	be	AUX
ajbmeb-842	51	51	observed	observe	VERB
ajbmeb-842	51	52	to	to	PART
ajbmeb-842	51	53	decrease	decrease	VERB
ajbmeb-842	51	54	,	,	PUNCT
ajbmeb-842	51	55	which	which	PRON
ajbmeb-842	51	56	is	be	AUX
ajbmeb-842	51	57	explained	explain	VERB
ajbmeb-842	51	58	by	by	ADP
ajbmeb-842	51	59	the	the	DET
ajbmeb-842	51	60	fact	fact	NOUN
ajbmeb-842	51	61	that	that	SCONJ
ajbmeb-842	51	62	the	the	DET
ajbmeb-842	51	63	average	average	ADJ
ajbmeb-842	51	64	interest	interest	NOUN
ajbmeb-842	51	65	rate	rate	NOUN
ajbmeb-842	51	66	of	of	ADP
ajbmeb-842	51	67	the	the	DET
ajbmeb-842	51	68	loans	loan	NOUN
ajbmeb-842	51	69	granted	grant	VERB
ajbmeb-842	51	70	by	by	ADP
ajbmeb-842	51	71	the	the	DET
ajbmeb-842	51	72	commercial	commercial	ADJ
ajbmeb-842	51	73	banks	bank	NOUN
ajbmeb-842	51	74	in	in	ADP
ajbmeb-842	51	75	the	the	DET
ajbmeb-842	51	76	national	national	ADJ
ajbmeb-842	51	77	currency	currency	NOUN
ajbmeb-842	51	78	during	during	ADP
ajbmeb-842	51	79	this	this	DET
ajbmeb-842	51	80	period	period	NOUN
ajbmeb-842	51	81	had	have	AUX
ajbmeb-842	51	82	a	a	DET
ajbmeb-842	51	83	tendency	tendency	NOUN
ajbmeb-842	51	84	to	to	PART
ajbmeb-842	51	85	decrease	decrease	VERB
ajbmeb-842	51	86	;	;	PUNCT
ajbmeb-842	51	87	*	*	PUNCT
ajbmeb-842	51	88	the	the	DET
ajbmeb-842	51	89	interest	interest	NOUN
ajbmeb-842	51	90	rates	rate	NOUN
ajbmeb-842	51	91	of	of	ADP
ajbmeb-842	51	92	deposits	deposit	NOUN
ajbmeb-842	51	93	attracted	attract	VERB
ajbmeb-842	51	94	in	in	ADP
ajbmeb-842	51	95	national	national	ADJ
ajbmeb-842	51	96	currency	currency	NOUN
ajbmeb-842	51	97	by	by	ADP
ajbmeb-842	51	98	commercial	commercial	ADJ
ajbmeb-842	51	99	banks	bank	NOUN
ajbmeb-842	51	100	of	of	ADP
ajbmeb-842	51	101	our	our	PRON
ajbmeb-842	51	102	republic	republic	NOUN
ajbmeb-842	51	103	and	and	CCONJ
ajbmeb-842	51	104	loans	loan	NOUN
ajbmeb-842	51	105	granted	grant	VERB
ajbmeb-842	51	106	in	in	ADP
ajbmeb-842	51	107	national	national	ADJ
ajbmeb-842	51	108	currency	currency	NOUN
ajbmeb-842	51	109	were	be	AUX
ajbmeb-842	51	110	relatively	relatively	ADV
ajbmeb-842	51	111	high	high	ADJ
ajbmeb-842	51	112	in	in	ADP
ajbmeb-842	51	113	2017	2017	NUM
ajbmeb-842	51	114	-	-	SYM
ajbmeb-842	51	115	2021	2021	NUM
ajbmeb-842	51	116	;	;	PUNCT
ajbmeb-842	51	117	from	from	ADP
ajbmeb-842	51	118	the	the	DET
ajbmeb-842	51	119	data	datum	NOUN
ajbmeb-842	51	120	presented	present	VERB
ajbmeb-842	51	121	in	in	ADP
ajbmeb-842	51	122	table	table	NOUN
ajbmeb-842	51	123	3	3	NUM
ajbmeb-842	51	124	,	,	PUNCT
ajbmeb-842	51	125	it	it	PRON
ajbmeb-842	51	126	can	can	AUX
ajbmeb-842	51	127	be	be	AUX
ajbmeb-842	51	128	seen	see	VERB
ajbmeb-842	51	129	that	that	SCONJ
ajbmeb-842	51	130	bank	bank	PROPN
ajbmeb-842	51	131	of	of	ADP
ajbmeb-842	51	132	america	america	PROPN
ajbmeb-842	51	133	's	's	PART
ajbmeb-842	51	134	loan	loan	NOUN
ajbmeb-842	51	135	loss	loss	NOUN
ajbmeb-842	51	136	provisions	provision	NOUN
ajbmeb-842	51	137	have	have	AUX
ajbmeb-842	51	138	had	have	VERB
ajbmeb-842	51	139	an	an	DET
ajbmeb-842	51	140	increasing	increase	VERB
ajbmeb-842	51	141	trend	trend	NOUN
ajbmeb-842	51	142	in	in	ADP
ajbmeb-842	51	143	2018	2018	NUM
ajbmeb-842	51	144	-	-	SYM
ajbmeb-842	51	145	2020	2020	NUM
ajbmeb-842	51	146	.	.	PUNCT
ajbmeb-842	52	1	this	this	PRON
ajbmeb-842	52	2	is	be	AUX
ajbmeb-842	52	3	a	a	DET
ajbmeb-842	52	4	negative	negative	ADJ
ajbmeb-842	52	5	situation	situation	NOUN
ajbmeb-842	52	6	from	from	ADP
ajbmeb-842	52	7	the	the	DET
ajbmeb-842	52	8	point	point	NOUN
ajbmeb-842	52	9	of	of	ADP
ajbmeb-842	52	10	view	view	NOUN
ajbmeb-842	52	11	of	of	ADP
ajbmeb-842	52	12	improving	improve	VERB
ajbmeb-842	52	13	the	the	DET
ajbmeb-842	52	14	bank	bank	NOUN
ajbmeb-842	52	15	's	's	PART
ajbmeb-842	52	16	credit	credit	NOUN
ajbmeb-842	52	17	services	service	NOUN
ajbmeb-842	52	18	.	.	PUNCT
ajbmeb-842	53	1	however	however	ADV
ajbmeb-842	53	2	,	,	PUNCT
ajbmeb-842	53	3	in	in	ADP
ajbmeb-842	53	4	2021	2021	NUM
ajbmeb-842	53	5	,	,	PUNCT
ajbmeb-842	53	6	the	the	DET
ajbmeb-842	53	7	level	level	NOUN
ajbmeb-842	53	8	of	of	ADP
ajbmeb-842	53	9	this	this	DET
ajbmeb-842	53	10	indicator	indicator	NOUN
ajbmeb-842	53	11	has	have	AUX
ajbmeb-842	53	12	significantly	significantly	ADV
ajbmeb-842	53	13	decreased	decrease	VERB
ajbmeb-842	53	14	compared	compare	VERB
ajbmeb-842	53	15	to	to	ADP
ajbmeb-842	53	16	2020	2020	NUM
ajbmeb-842	53	17	.	.	PUNCT
ajbmeb-842	54	1	*	*	PUNCT
ajbmeb-842	54	2	the	the	DET
ajbmeb-842	54	3	fact	fact	NOUN
ajbmeb-842	54	4	that	that	SCONJ
ajbmeb-842	54	5	the	the	DET
ajbmeb-842	54	6	level	level	NOUN
ajbmeb-842	54	7	of	of	ADP
ajbmeb-842	54	8	reserve	reserve	NOUN
ajbmeb-842	54	9	allocations	allocation	NOUN
ajbmeb-842	54	10	intended	intend	VERB
ajbmeb-842	54	11	to	to	PART
ajbmeb-842	54	12	cover	cover	VERB
ajbmeb-842	54	13	losses	loss	NOUN
ajbmeb-842	54	14	from	from	ADP
ajbmeb-842	54	15	loans	loan	NOUN
ajbmeb-842	54	16	in	in	ADP
ajbmeb-842	54	17	bank	bank	PROPN
ajbmeb-842	54	18	of	of	ADP
ajbmeb-842	54	19	america	america	PROPN
ajbmeb-842	54	20	in	in	ADP
ajbmeb-842	54	21	relation	relation	NOUN
ajbmeb-842	54	22	to	to	ADP
ajbmeb-842	54	23	gross	gross	ADJ
ajbmeb-842	54	24	assets	asset	NOUN
ajbmeb-842	54	25	was	be	AUX
ajbmeb-842	54	26	stable	stable	ADJ
ajbmeb-842	54	27	in	in	ADP
ajbmeb-842	54	28	2017	2017	NUM
ajbmeb-842	54	29	-	-	SYM
ajbmeb-842	54	30	2021	2021	NUM
ajbmeb-842	54	31	is	be	AUX
ajbmeb-842	54	32	a	a	DET
ajbmeb-842	54	33	positive	positive	ADJ
ajbmeb-842	54	34	situation	situation	NOUN
ajbmeb-842	54	35	from	from	ADP
ajbmeb-842	54	36	the	the	DET
ajbmeb-842	54	37	point	point	NOUN
ajbmeb-842	54	38	of	of	ADP
ajbmeb-842	54	39	view	view	NOUN
ajbmeb-842	54	40	of	of	ADP
ajbmeb-842	54	41	improving	improve	VERB
ajbmeb-842	54	42	the	the	DET
ajbmeb-842	54	43	bank	bank	NOUN
ajbmeb-842	54	44	's	's	PART
ajbmeb-842	54	45	lending	lending	NOUN
ajbmeb-842	54	46	practices	practice	NOUN
ajbmeb-842	54	47	;	;	PUNCT
ajbmeb-842	54	48	*	*	PUNCT
ajbmeb-842	54	49	in	in	ADP
ajbmeb-842	54	50	asakabank	asakabank	PROPN
ajbmeb-842	54	51	,	,	PUNCT
ajbmeb-842	54	52	the	the	DET
ajbmeb-842	54	53	profitability	profitability	NOUN
ajbmeb-842	54	54	of	of	ADP
ajbmeb-842	54	55	loans	loan	NOUN
ajbmeb-842	54	56	increased	increase	VERB
ajbmeb-842	54	57	significantly	significantly	ADV
ajbmeb-842	54	58	in	in	ADP
ajbmeb-842	54	59	2021	2021	NUM
ajbmeb-842	54	60	compared	compare	VERB
ajbmeb-842	54	61	to	to	ADP
ajbmeb-842	54	62	2017	2017	NUM
ajbmeb-842	54	63	,	,	PUNCT
ajbmeb-842	54	64	while	while	SCONJ
ajbmeb-842	54	65	in	in	ADP
ajbmeb-842	54	66	turonbank	turonbank	NOUN
ajbmeb-842	54	67	,	,	PUNCT
ajbmeb-842	54	68	the	the	DET
ajbmeb-842	54	69	profitability	profitability	NOUN
ajbmeb-842	54	70	of	of	ADP
ajbmeb-842	54	71	loans	loan	NOUN
ajbmeb-842	54	72	increased	increase	VERB
ajbmeb-842	54	73	significantly	significantly	ADV
ajbmeb-842	54	74	in	in	ADP
ajbmeb-842	54	75	2021	2021	NUM
ajbmeb-842	54	76	compared	compare	VERB
ajbmeb-842	54	77	to	to	ADP
ajbmeb-842	54	78	2017	2017	NUM
ajbmeb-842	54	79	.	.	PUNCT
ajbmeb-842	55	1	in	in	ADP
ajbmeb-842	55	2	our	our	PRON
ajbmeb-842	55	3	opinion	opinion	NOUN
ajbmeb-842	55	4	,	,	PUNCT
ajbmeb-842	55	5	the	the	DET
ajbmeb-842	55	6	following	follow	VERB
ajbmeb-842	55	7	measures	measure	NOUN
ajbmeb-842	55	8	should	should	AUX
ajbmeb-842	55	9	be	be	AUX
ajbmeb-842	55	10	implemented	implement	VERB
ajbmeb-842	55	11	to	to	PART
ajbmeb-842	55	12	ensure	ensure	VERB
ajbmeb-842	55	13	the	the	DET
ajbmeb-842	55	14	stable	stable	ADJ
ajbmeb-842	55	15	growth	growth	NOUN
ajbmeb-842	55	16	of	of	ADP
ajbmeb-842	55	17	commercial	commercial	ADJ
ajbmeb-842	55	18	bank	bank	NOUN
ajbmeb-842	55	19	loans	loan	NOUN
ajbmeb-842	55	20	of	of	ADP
ajbmeb-842	55	21	our	our	PRON
ajbmeb-842	55	22	republic	republic	NOUN
ajbmeb-842	55	23	:	:	PUNCT
ajbmeb-842	55	24	1	1	X
ajbmeb-842	55	25	.	.	PUNCT
ajbmeb-842	56	1	in	in	ADP
ajbmeb-842	56	2	order	order	NOUN
ajbmeb-842	56	3	to	to	PART
ajbmeb-842	56	4	improve	improve	VERB
ajbmeb-842	56	5	the	the	DET
ajbmeb-842	56	6	quality	quality	NOUN
ajbmeb-842	56	7	of	of	ADP
ajbmeb-842	56	8	the	the	DET
ajbmeb-842	56	9	credit	credit	NOUN
ajbmeb-842	56	10	portfolio	portfolio	NOUN
ajbmeb-842	56	11	of	of	ADP
ajbmeb-842	56	12	commercial	commercial	ADJ
ajbmeb-842	56	13	banks	bank	NOUN
ajbmeb-842	56	14	,	,	PUNCT
ajbmeb-842	56	15	first	first	ADV
ajbmeb-842	56	16	,	,	PUNCT
ajbmeb-842	56	17	it	it	PRON
ajbmeb-842	56	18	is	be	AUX
ajbmeb-842	56	19	necessary	necessary	ADJ
ajbmeb-842	56	20	to	to	PART
ajbmeb-842	56	21	lower	lower	VERB
ajbmeb-842	56	22	the	the	DET
ajbmeb-842	56	23	cost	cost	NOUN
ajbmeb-842	56	24	of	of	ADP
ajbmeb-842	56	25	loans	loan	NOUN
ajbmeb-842	56	26	by	by	ADP
ajbmeb-842	56	27	introducing	introduce	VERB
ajbmeb-842	56	28	modern	modern	ADJ
ajbmeb-842	56	29	banking	banking	NOUN
ajbmeb-842	56	30	technologies	technology	NOUN
ajbmeb-842	56	31	into	into	ADP
ajbmeb-842	56	32	the	the	DET
ajbmeb-842	56	33	lending	lending	NOUN
ajbmeb-842	56	34	practice	practice	NOUN
ajbmeb-842	56	35	;	;	PUNCT
ajbmeb-842	56	36	secondly	secondly	ADV
ajbmeb-842	56	37	,	,	PUNCT
ajbmeb-842	56	38	it	it	PRON
ajbmeb-842	56	39	is	be	AUX
ajbmeb-842	56	40	necessary	necessary	ADJ
ajbmeb-842	56	41	to	to	PART
ajbmeb-842	56	42	ensure	ensure	VERB
ajbmeb-842	56	43	the	the	DET
ajbmeb-842	56	44	balance	balance	NOUN
ajbmeb-842	56	45	between	between	ADP
ajbmeb-842	56	46	interest	interest	NOUN
ajbmeb-842	56	47	income	income	NOUN
ajbmeb-842	56	48	from	from	ADP
ajbmeb-842	56	49	loans	loan	NOUN
ajbmeb-842	56	50	and	and	CCONJ
ajbmeb-842	56	51	interest	interest	NOUN
ajbmeb-842	56	52	expenses	expense	NOUN
ajbmeb-842	56	53	on	on	ADP
ajbmeb-842	56	54	time	time	NOUN
ajbmeb-842	56	55	deposits	deposit	NOUN
ajbmeb-842	56	56	;	;	PUNCT
ajbmeb-842	56	57	thirdly	thirdly	ADV
ajbmeb-842	56	58	,	,	PUNCT
ajbmeb-842	56	59	it	it	PRON
ajbmeb-842	56	60	is	be	AUX
ajbmeb-842	56	61	necessary	necessary	ADJ
ajbmeb-842	56	62	to	to	PART
ajbmeb-842	56	63	prevent	prevent	VERB
ajbmeb-842	56	64	deterioration	deterioration	NOUN
ajbmeb-842	56	65	of	of	ADP
ajbmeb-842	56	66	the	the	DET
ajbmeb-842	56	67	structure	structure	NOUN
ajbmeb-842	56	68	of	of	ADP
ajbmeb-842	56	69	classified	classify	VERB
ajbmeb-842	56	70	3.3	3.3	NUM
ajbmeb-842	56	71	4.2	4.2	NUM
ajbmeb-842	56	72	6.5	6.5	NUM
ajbmeb-842	56	73	6.3	6.3	NUM
ajbmeb-842	56	74	6.4	6.4	NUM
ajbmeb-842	56	75	8.1	8.1	NUM
ajbmeb-842	56	76	7.6	7.6	NUM
ajbmeb-842	56	77	7.8	7.8	NUM
ajbmeb-842	56	78	7.7	7.7	NUM
ajbmeb-842	56	79	9.4	9.4	NUM
ajbmeb-842	56	80	0	0	NUM
ajbmeb-842	56	81	2	2	NUM
ajbmeb-842	56	82	4	4	NUM
ajbmeb-842	56	83	6	6	NUM
ajbmeb-842	56	84	8	8	NUM
ajbmeb-842	56	85	10	10	NUM
ajbmeb-842	56	86	2017й	2017й	NUM
ajbmeb-842	56	87	.	.	PUNCT
ajbmeb-842	57	1	2018й	2018й	NUM
ajbmeb-842	57	2	.	.	PUNCT
ajbmeb-842	57	3	2019й	2019й	NUM
ajbmeb-842	57	4	.	.	PUNCT
ajbmeb-842	58	1	2020й	2020й	NUM
ajbmeb-842	58	2	.	.	PUNCT
ajbmeb-842	59	1	2021й	2021й	PROPN
ajbmeb-842	59	2	.	.	PUNCT
ajbmeb-842	60	1	асакабанк	асакабанк	PROPN
ajbmeb-842	60	2	туронбанк	туронбанк	PROPN
ajbmeb-842	60	3	american	american	PROPN
ajbmeb-842	60	4	journal	journal	PROPN
ajbmeb-842	60	5	of	of	ADP
ajbmeb-842	60	6	business	business	NOUN
ajbmeb-842	60	7	management	management	NOUN
ajbmeb-842	60	8	,	,	PUNCT
ajbmeb-842	60	9	economics	economic	NOUN
ajbmeb-842	60	10	and	and	CCONJ
ajbmeb-842	60	11	banking	banking	NOUN
ajbmeb-842	60	12	volume	volume	NOUN
ajbmeb-842	60	13	12	12	NUM
ajbmeb-842	60	14	may	may	PROPN
ajbmeb-842	60	15	,	,	PUNCT
ajbmeb-842	60	16	2023	2023	NUM
ajbmeb-842	60	17	p	p	NOUN
ajbmeb-842	60	18	a	a	DET
ajbmeb-842	60	19	g	g	NOUN
ajbmeb-842	60	20	e	e	PROPN
ajbmeb-842	60	21	|	|	ADV
ajbmeb-842	60	22	86	86	NUM
ajbmeb-842	60	23	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-842	60	24	loans	loan	NOUN
ajbmeb-842	60	25	in	in	ADP
ajbmeb-842	60	26	order	order	NOUN
ajbmeb-842	60	27	to	to	PART
ajbmeb-842	60	28	prevent	prevent	VERB
ajbmeb-842	60	29	the	the	DET
ajbmeb-842	60	30	excess	excess	NOUN
ajbmeb-842	60	31	of	of	ADP
ajbmeb-842	60	32	reserve	reserve	NOUN
ajbmeb-842	60	33	allocations	allocation	NOUN
ajbmeb-842	60	34	intended	intend	VERB
ajbmeb-842	60	35	to	to	PART
ajbmeb-842	60	36	cover	cover	VERB
ajbmeb-842	60	37	losses	loss	NOUN
ajbmeb-842	60	38	from	from	ADP
ajbmeb-842	60	39	loans	loan	NOUN
ajbmeb-842	60	40	granted	grant	VERB
ajbmeb-842	60	41	to	to	ADP
ajbmeb-842	60	42	enterprises	enterprise	NOUN
ajbmeb-842	60	43	.	.	PUNCT
ajbmeb-842	61	1	2	2	X
ajbmeb-842	61	2	.	.	X
ajbmeb-842	61	3	in	in	ADP
ajbmeb-842	61	4	order	order	NOUN
ajbmeb-842	61	5	to	to	PART
ajbmeb-842	61	6	improve	improve	VERB
ajbmeb-842	61	7	the	the	DET
ajbmeb-842	61	8	resource	resource	NOUN
ajbmeb-842	61	9	provision	provision	NOUN
ajbmeb-842	61	10	of	of	ADP
ajbmeb-842	61	11	loans	loan	NOUN
ajbmeb-842	61	12	of	of	ADP
ajbmeb-842	61	13	commercial	commercial	ADJ
ajbmeb-842	61	14	banks	bank	NOUN
ajbmeb-842	61	15	,	,	PUNCT
ajbmeb-842	61	16	first	first	ADV
ajbmeb-842	61	17	of	of	ADP
ajbmeb-842	61	18	all	all	PRON
ajbmeb-842	61	19	,	,	PUNCT
ajbmeb-842	61	20	time	time	NOUN
ajbmeb-842	61	21	deposits	deposit	NOUN
ajbmeb-842	61	22	should	should	AUX
ajbmeb-842	61	23	be	be	AUX
ajbmeb-842	61	24	exempted	exempt	VERB
ajbmeb-842	61	25	from	from	ADP
ajbmeb-842	61	26	mandatory	mandatory	ADJ
ajbmeb-842	61	27	reserve	reserve	NOUN
ajbmeb-842	61	28	requirements	requirement	NOUN
ajbmeb-842	61	29	;	;	PUNCT
ajbmeb-842	61	30	secondly	secondly	ADV
ajbmeb-842	61	31	,	,	PUNCT
ajbmeb-842	61	32	it	it	PRON
ajbmeb-842	61	33	is	be	AUX
ajbmeb-842	61	34	necessary	necessary	ADJ
ajbmeb-842	61	35	to	to	PART
ajbmeb-842	61	36	support	support	VERB
ajbmeb-842	61	37	the	the	DET
ajbmeb-842	61	38	emission	emission	NOUN
ajbmeb-842	61	39	operations	operation	NOUN
ajbmeb-842	61	40	of	of	ADP
ajbmeb-842	61	41	commercial	commercial	ADJ
ajbmeb-842	61	42	banks	bank	NOUN
ajbmeb-842	61	43	related	relate	VERB
ajbmeb-842	61	44	to	to	ADP
ajbmeb-842	61	45	valuable	valuable	ADJ
ajbmeb-842	61	46	securities	security	NOUN
ajbmeb-842	61	47	by	by	ADP
ajbmeb-842	61	48	means	mean	NOUN
ajbmeb-842	61	49	of	of	ADP
ajbmeb-842	61	50	monetary	monetary	ADJ
ajbmeb-842	61	51	policy	policy	NOUN
ajbmeb-842	61	52	and	and	CCONJ
ajbmeb-842	61	53	tax	tax	NOUN
ajbmeb-842	61	54	policy	policy	NOUN
ajbmeb-842	61	55	instruments	instrument	NOUN
ajbmeb-842	61	56	of	of	ADP
ajbmeb-842	61	57	the	the	DET
ajbmeb-842	61	58	state	state	NOUN
ajbmeb-842	61	59	.	.	PUNCT
ajbmeb-842	62	1	literatures	literature	NOUN
ajbmeb-842	62	2	1	1	NUM
ajbmeb-842	62	3	.	.	PUNCT
ajbmeb-842	62	4	decree	decree	NOUN
ajbmeb-842	62	5	of	of	ADP
ajbmeb-842	62	6	the	the	DET
ajbmeb-842	62	7	president	president	NOUN
ajbmeb-842	62	8	of	of	ADP
ajbmeb-842	62	9	the	the	DET
ajbmeb-842	62	10	republic	republic	NOUN
ajbmeb-842	62	11	of	of	ADP
ajbmeb-842	62	12	uzbekistan	uzbekistan	PROPN
ajbmeb-842	62	13	dated	date	VERB
ajbmeb-842	62	14	may	may	PROPN
ajbmeb-842	62	15	12	12	NUM
ajbmeb-842	62	16	,	,	PUNCT
ajbmeb-842	62	17	2020	2020	NUM
ajbmeb-842	62	18	no	no	NOUN
ajbmeb-842	62	19	.	.	PUNCT
ajbmeb-842	62	20	pf-5992	pf-5992	PROPN
ajbmeb-842	62	21	"	"	PUNCT
ajbmeb-842	62	22	on	on	ADP
ajbmeb-842	62	23	the	the	DET
ajbmeb-842	62	24	strategy	strategy	NOUN
ajbmeb-842	62	25	of	of	ADP
ajbmeb-842	62	26	reforming	reform	VERB
ajbmeb-842	62	27	the	the	DET
ajbmeb-842	62	28	banking	banking	NOUN
ajbmeb-842	62	29	system	system	NOUN
ajbmeb-842	62	30	of	of	ADP
ajbmeb-842	62	31	the	the	DET
ajbmeb-842	62	32	republic	republic	NOUN
ajbmeb-842	62	33	of	of	ADP
ajbmeb-842	62	34	uzbekistan	uzbekistan	PROPN
ajbmeb-842	62	35	for	for	ADP
ajbmeb-842	62	36	2020	2020	NUM
ajbmeb-842	62	37	-	-	SYM
ajbmeb-842	62	38	2025	2025	NUM
ajbmeb-842	62	39	"	"	PUNCT
ajbmeb-842	62	40	//www.lex.uz	//www.lex.uz	PUNCT
ajbmeb-842	62	41	.	.	PROPN
ajbmeb-842	63	1	2	2	X
ajbmeb-842	63	2	.	.	X
ajbmeb-842	63	3	sinki	sinki	PROPN
ajbmeb-842	63	4	dj	dj	PROPN
ajbmeb-842	63	5	.	.	PUNCT
ajbmeb-842	63	6	financial	financial	ADJ
ajbmeb-842	63	7	management	management	NOUN
ajbmeb-842	63	8	and	and	CCONJ
ajbmeb-842	63	9	commercial	commercial	ADJ
ajbmeb-842	63	10	banking	banking	NOUN
ajbmeb-842	63	11	and	and	CCONJ
ajbmeb-842	63	12	industrial	industrial	ADJ
ajbmeb-842	63	13	financial	financial	ADJ
ajbmeb-842	63	14	management	management	NOUN
ajbmeb-842	63	15	.	.	PUNCT
ajbmeb-842	64	1	per	per	ADP
ajbmeb-842	64	2	.	.	PUNCT
ajbmeb-842	65	1	english	english	PROPN
ajbmeb-842	65	2	m.	m.	NOUN
ajbmeb-842	65	3	:	:	PUNCT
ajbmeb-842	65	4	alpina	alpina	ADP
ajbmeb-842	65	5	business	business	NOUN
ajbmeb-842	65	6	books	book	NOUN
ajbmeb-842	65	7	,	,	PUNCT
ajbmeb-842	65	8	2007	2007	NUM
ajbmeb-842	65	9	.	.	PUNCT
ajbmeb-842	66	1	1018	1018	NUM
ajbmeb-842	67	1	p	p	NOUN
ajbmeb-842	67	2	3	3	NUM
ajbmeb-842	67	3	.	.	PUNCT
ajbmeb-842	67	4	huerto	huerto	PROPN
ajbmeb-842	67	5	de	de	PROPN
ajbmeb-842	67	6	soto	soto	PROPN
ajbmeb-842	67	7	jesus	jesus	PROPN
ajbmeb-842	67	8	.	.	PUNCT
ajbmeb-842	68	1	dengi	dengi	PROPN
ajbmeb-842	68	2	,	,	PUNCT
ajbmeb-842	68	3	bank	bank	NOUN
ajbmeb-842	68	4	credit	credit	NOUN
ajbmeb-842	68	5	and	and	CCONJ
ajbmeb-842	68	6	economic	economic	ADJ
ajbmeb-842	68	7	cycles	cycle	NOUN
ajbmeb-842	68	8	.	.	PUNCT
ajbmeb-842	69	1	per	per	ADP
ajbmeb-842	69	2	.	.	PUNCT
ajbmeb-842	70	1	english	english	PROPN
ajbmeb-842	70	2	chelyabinsk	chelyabinsk	PROPN
ajbmeb-842	70	3	:	:	PUNCT
ajbmeb-842	70	4	sotsium	sotsium	NOUN
ajbmeb-842	70	5	,	,	PUNCT
ajbmeb-842	70	6	2008	2008	NUM
ajbmeb-842	70	7	.	.	PUNCT
ajbmeb-842	71	1	666	666	NUM
ajbmeb-842	71	2	p.	p.	NOUN
ajbmeb-842	71	3	4	4	NUM
ajbmeb-842	71	4	.	.	PUNCT
ajbmeb-842	72	1	kayukov	kayukov	PROPN
ajbmeb-842	72	2	v.v	v.v	PROPN
ajbmeb-842	72	3	.	.	PROPN
ajbmeb-842	72	4	,	,	PUNCT
ajbmeb-842	72	5	kayukov	kayukov	PROPN
ajbmeb-842	72	6	a.v	a.v	PROPN
ajbmeb-842	72	7	.	.	PROPN
ajbmeb-842	72	8	sovershenstvovanie	sovershenstvovanie	PROPN
ajbmeb-842	72	9	mezhnashka	mezhnashka	PROPN
ajbmeb-842	72	10	obespecheniya	obespecheniya	PROPN
ajbmeb-842	72	11	promyshlennyx	promyshlennyx	PROPN
ajbmeb-842	72	12	predpriyatiy	predpriyatiy	PROPN
ajbmeb-842	72	13	kreditnymi	kreditnymi	PROPN
ajbmeb-842	72	14	risursami//trudy	risursami//trudy	PROPN
ajbmeb-842	72	15	volnogo	volnogo	PROPN
ajbmeb-842	72	16	ekonomicheskogo	ekonomicheskogo	PROPN
ajbmeb-842	72	17	obshchestva	obshchestva	PROPN
ajbmeb-842	72	18	rossii	rossii	NOUN
ajbmeb-842	72	19	.	.	PUNCT
ajbmeb-842	73	1	moscow	moscow	PROPN
ajbmeb-842	73	2	,	,	PUNCT
ajbmeb-842	73	3	2007	2007	NUM
ajbmeb-842	73	4	.	.	PUNCT
ajbmeb-842	74	1	volume	volume	NOUN
ajbmeb-842	74	2	#	#	SYM
ajbmeb-842	74	3	86	86	NUM
ajbmeb-842	74	4	.	.	PUNCT
ajbmeb-842	75	1	s.	s.	PROPN
ajbmeb-842	75	2	135	135	NUM
ajbmeb-842	75	3	-	-	SYM
ajbmeb-842	75	4	145	145	NUM
ajbmeb-842	75	5	.	.	PUNCT
ajbmeb-842	75	6	5	5	NUM
ajbmeb-842	75	7	.	.	X
ajbmeb-842	75	8	lavrushin	lavrushin	PROPN
ajbmeb-842	75	9	o.i	o.i	PROPN
ajbmeb-842	75	10	.	.	PUNCT
ajbmeb-842	75	11	short	short	ADJ
ajbmeb-842	75	12	-	-	PUNCT
ajbmeb-842	75	13	term	term	NOUN
ajbmeb-842	75	14	credit	credit	NOUN
ajbmeb-842	75	15	for	for	ADP
ajbmeb-842	75	16	a	a	DET
ajbmeb-842	75	17	large	large	ADJ
ajbmeb-842	75	18	object	object	NOUN
ajbmeb-842	75	19	and	and	CCONJ
ajbmeb-842	75	20	predelakh	predelakh	ADJ
ajbmeb-842	75	21	credit	credit	NOUN
ajbmeb-842	75	22	line	line	NOUN
ajbmeb-842	75	23	.	.	PUNCT
ajbmeb-842	76	1	banking	banking	NOUN
ajbmeb-842	76	2	case	case	NOUN
ajbmeb-842	76	3	.	.	PUNCT
ajbmeb-842	77	1	pod	pod	NOUN
ajbmeb-842	77	2	ed	ed	PROPN
ajbmeb-842	77	3	.	.	PUNCT
ajbmeb-842	77	4	prof	prof	PROPN
ajbmeb-842	77	5	.	.	PUNCT
ajbmeb-842	78	1	o.	o.	PROPN
ajbmeb-842	78	2	lavrushina	lavrushina	PROPN
ajbmeb-842	78	3	.	.	PUNCT
ajbmeb-842	79	1	m.	m.	NOUN
ajbmeb-842	79	2	:	:	PUNCT
ajbmeb-842	79	3	knorus	knorus	PROPN
ajbmeb-842	79	4	,	,	PUNCT
ajbmeb-842	79	5	2016	2016	NUM
ajbmeb-842	79	6	.	.	PUNCT
ajbmeb-842	80	1	s.	s.	PROPN
ajbmeb-842	80	2	430	430	NUM
ajbmeb-842	80	3	.	.	PUNCT
ajbmeb-842	80	4	6	6	NUM
ajbmeb-842	80	5	.	.	X
ajbmeb-842	80	6	goodell	goodell	PROPN
ajbmeb-842	80	7	j.w	j.w	PROPN
ajbmeb-842	80	8	.	.	PUNCT
ajbmeb-842	80	9	covid-19	covid-19	PROPN
ajbmeb-842	80	10	and	and	CCONJ
ajbmeb-842	80	11	finance	finance	NOUN
ajbmeb-842	80	12	:	:	PUNCT
ajbmeb-842	80	13	agendas	agenda	NOUN
ajbmeb-842	80	14	for	for	ADP
ajbmeb-842	80	15	future	future	ADJ
ajbmeb-842	80	16	research	research	NOUN
ajbmeb-842	80	17	//	//	SYM
ajbmeb-842	80	18	finance	finance	NOUN
ajbmeb-842	80	19	research	research	NOUN
ajbmeb-842	80	20	letters	letter	NOUN
ajbmeb-842	80	21	.	.	PUNCT
ajbmeb-842	81	1	2020	2020	NUM
ajbmeb-842	81	2	.	.	PUNCT
ajbmeb-842	82	1	vol	vol	NOUN
ajbmeb-842	82	2	.	.	PUNCT
ajbmeb-842	83	1	3	3	NUM
ajbmeb-842	83	2	.	.	X
ajbmeb-842	83	3	r.	r.	PROPN
ajbmeb-842	83	4	103	103	NUM
ajbmeb-842	83	5	-	-	SYM
ajbmeb-842	83	6	105	105	NUM
ajbmeb-842	83	7	.	.	PUNCT
ajbmeb-842	84	1	7	7	X
ajbmeb-842	84	2	.	.	X
ajbmeb-842	84	3	xin	xin	PROPN
ajbmeb-842	84	4	e.	e.	PROPN
ajbmeb-842	84	5	,	,	PUNCT
ajbmeb-842	84	6	leung	leung	PROPN
ajbmeb-842	84	7	k.	k.	PROPN
ajbmeb-842	84	8	,	,	PUNCT
ajbmeb-842	84	9	xu	xu	PROPN
ajbmeb-842	84	10	st	st	PROPN
ajbmeb-842	84	11	.	.	PROPN
ajbmeb-842	84	12	,	,	PUNCT
ajbmeb-842	84	13	jiang	jiang	PROPN
ajbmeb-842	84	14	f.	f.	PROPN
ajbmeb-842	84	15	top	top	ADJ
ajbmeb-842	84	16	ten	ten	NUM
ajbmeb-842	84	17	issues	issue	NOUN
ajbmeb-842	84	18	for	for	ADP
ajbmeb-842	84	19	directors	director	NOUN
ajbmeb-842	84	20	of	of	ADP
ajbmeb-842	84	21	commercial	commercial	ADJ
ajbmeb-842	84	22	banks	bank	NOUN
ajbmeb-842	84	23	amid	amid	ADP
ajbmeb-842	84	24	covid19	covid19	NOUN
ajbmeb-842	84	25	:	:	PUNCT
ajbmeb-842	84	26	building	build	VERB
ajbmeb-842	84	27	a	a	DET
ajbmeb-842	84	28	better	well	ADJ
ajbmeb-842	84	29	working	work	VERB
ajbmeb-842	84	30	world	world	NOUN
ajbmeb-842	84	31	.	.	PUNCT
ajbmeb-842	85	1	china	china	PROPN
ajbmeb-842	85	2	:	:	PUNCT
ajbmeb-842	85	3	ernst	ernst	PROPN
ajbmeb-842	85	4	&	&	CCONJ
ajbmeb-842	85	5	young	young	PROPN
ajbmeb-842	85	6	,	,	PUNCT
ajbmeb-842	85	7	2020	2020	NUM
ajbmeb-842	85	8	.	.	PUNCT
ajbmeb-842	86	1	10	10	NUM
ajbmeb-842	86	2	p.	p.	NOUN
ajbmeb-842	86	3	8	8	NUM
ajbmeb-842	86	4	.	.	PUNCT
ajbmeb-842	87	1	sattarov	sattarov	PROPN
ajbmeb-842	87	2	o.b	o.b	PROPN
ajbmeb-842	87	3	.	.	PROPN
ajbmeb-842	87	4	improving	improve	VERB
ajbmeb-842	87	5	the	the	DET
ajbmeb-842	87	6	methodology	methodology	NOUN
ajbmeb-842	87	7	of	of	ADP
ajbmeb-842	87	8	ensuring	ensure	VERB
ajbmeb-842	87	9	the	the	DET
ajbmeb-842	87	10	stability	stability	NOUN
ajbmeb-842	87	11	of	of	ADP
ajbmeb-842	87	12	the	the	DET
ajbmeb-842	87	13	banking	banking	NOUN
ajbmeb-842	87	14	system	system	NOUN
ajbmeb-842	87	15	of	of	ADP
ajbmeb-842	87	16	the	the	DET
ajbmeb-842	87	17	republic	republic	NOUN
ajbmeb-842	87	18	of	of	ADP
ajbmeb-842	87	19	uzbekistan	uzbekistan	PROPN
ajbmeb-842	87	20	.	.	PUNCT
ajbmeb-842	88	1	i.f.d	i.f.d	PROPN
ajbmeb-842	88	2	.	.	PUNCT
ajbmeb-842	89	1	science	science	PROPN
ajbmeb-842	89	2	narrow	narrow	PROPN
ajbmeb-842	89	3	take	take	VERB
ajbmeb-842	89	4	three	three	NUM
ajbmeb-842	89	5	.	.	PUNCT
ajbmeb-842	90	1	destiny	destiny	NOUN
ajbmeb-842	90	2	eat	eat	VERB
ajbmeb-842	90	3	diss	diss	PROPN
ajbmeb-842	90	4	.	.	PROPN
ajbmeb-842	90	5	autoref	autoref	PROPN
ajbmeb-842	90	6	.	.	PUNCT
ajbmeb-842	91	1	tashkent	tashkent	PROPN
ajbmeb-842	91	2	,	,	PUNCT
ajbmeb-842	91	3	2018	2018	NUM
ajbmeb-842	91	4	.	.	PUNCT
ajbmeb-842	92	1	b.	b.	NOUN
ajbmeb-842	92	2	25	25	NUM
ajbmeb-842	92	3	-	-	SYM
ajbmeb-842	92	4	26	26	NUM
ajbmeb-842	92	5	.	.	PUNCT
ajbmeb-842	93	1	9	9	NUM
ajbmeb-842	93	2	.	.	X
ajbmeb-842	93	3	muradova	muradova	PROPN
ajbmeb-842	94	1	l.f	l.f	PROPN
ajbmeb-842	94	2	.	.	PROPN
ajbmeb-842	94	3	ways	way	NOUN
ajbmeb-842	94	4	to	to	PART
ajbmeb-842	94	5	increase	increase	VERB
ajbmeb-842	94	6	the	the	DET
ajbmeb-842	94	7	profitability	profitability	NOUN
ajbmeb-842	94	8	of	of	ADP
ajbmeb-842	94	9	commercial	commercial	ADJ
ajbmeb-842	94	10	banks	bank	NOUN
ajbmeb-842	94	11	'	'	PART
ajbmeb-842	94	12	assets	asset	NOUN
ajbmeb-842	94	13	in	in	ADP
ajbmeb-842	94	14	the	the	DET
ajbmeb-842	94	15	conditions	condition	NOUN
ajbmeb-842	94	16	of	of	ADP
ajbmeb-842	94	17	modernization	modernization	NOUN
ajbmeb-842	94	18	of	of	ADP
ajbmeb-842	94	19	the	the	DET
ajbmeb-842	94	20	economy	economy	NOUN
ajbmeb-842	94	21	of	of	ADP
ajbmeb-842	94	22	uzbekistan	uzbekistan	PROPN
ajbmeb-842	94	23	.	.	PUNCT
ajbmeb-842	95	1	i.f.b.f.d	i.f.b.f.d	PROPN
ajbmeb-842	95	2	.	.	PUNCT
ajbmeb-842	96	1	diss	diss	PROPN
ajbmeb-842	96	2	.	.	PROPN
ajbmeb-842	96	3	autoref	autoref	PROPN
ajbmeb-842	96	4	.	.	PUNCT
ajbmeb-842	97	1	tashkent	tashkent	PROPN
ajbmeb-842	97	2	,	,	PUNCT
ajbmeb-842	97	3	2018	2018	NUM
ajbmeb-842	97	4	.	.	PUNCT
ajbmeb-842	98	1	b.	b.	PROPN
ajbmeb-842	98	2	22	22	NUM
ajbmeb-842	98	3	.	.	PUNCT
ajbmeb-842	99	1	10	10	NUM
ajbmeb-842	99	2	.	.	PUNCT
ajbmeb-842	100	1	jumaev	jumaev	PROPN
ajbmeb-842	100	2	n.kh	n.kh	PROPN
ajbmeb-842	100	3	.	.	PUNCT
ajbmeb-842	101	1	improving	improve	VERB
ajbmeb-842	101	2	the	the	DET
ajbmeb-842	101	3	methodology	methodology	NOUN
ajbmeb-842	101	4	of	of	ADP
ajbmeb-842	101	5	regulating	regulate	VERB
ajbmeb-842	101	6	currency	currency	NOUN
ajbmeb-842	101	7	relations	relation	NOUN
ajbmeb-842	101	8	in	in	ADP
ajbmeb-842	101	9	uzbekistan	uzbekistan	PROPN
ajbmeb-842	101	10	.	.	PUNCT
ajbmeb-842	102	1	i.f.d	i.f.d	PROPN
ajbmeb-842	102	2	.	.	PUNCT
ajbmeb-842	103	1	science	science	PROPN
ajbmeb-842	103	2	narrow	narrow	PROPN
ajbmeb-842	103	3	take	take	VERB
ajbmeb-842	103	4	three	three	NUM
ajbmeb-842	103	5	.	.	PUNCT
ajbmeb-842	104	1	destiny	destiny	NOUN
ajbmeb-842	104	2	eat	eat	VERB
ajbmeb-842	104	3	diss	diss	PROPN
ajbmeb-842	104	4	.	.	PROPN
ajbmeb-842	104	5	autoref	autoref	PROPN
ajbmeb-842	104	6	.	.	PUNCT
ajbmeb-842	105	1	tashkent	tashkent	PROPN
ajbmeb-842	105	2	,	,	PUNCT
ajbmeb-842	105	3	2018	2018	NUM
ajbmeb-842	105	4	.	.	PUNCT
ajbmeb-842	106	1	b.	b.	PROPN
ajbmeb-842	106	2	26	26	NUM
ajbmeb-842	106	3	.	.	PUNCT
ajbmeb-842	106	4	11	11	NUM
ajbmeb-842	106	5	.	.	PUNCT
ajbmeb-842	107	1	statistical	statistical	ADJ
ajbmeb-842	107	2	bulletin	bulletin	NOUN
ajbmeb-842	107	3	banka	banka	NOUN
ajbmeb-842	107	4	rossii//www.cbr.ru	rossii//www.cbr.ru	PROPN
ajbmeb-842	107	5	(	(	PUNCT
ajbmeb-842	107	6	tsentralnyy	tsentralnyy	PROPN
ajbmeb-842	107	7	bank	bank	PROPN
ajbmeb-842	107	8	rossiyskoy	rossiyskoy	PROPN
ajbmeb-842	107	9	federatsii	federatsii	PROPN
ajbmeb-842	107	10	)	)	PUNCT
ajbmeb-842	107	11	.	.	PUNCT
ajbmeb-842	108	1	12	12	NUM
ajbmeb-842	108	2	.	.	PUNCT
ajbmeb-842	109	1	interest	interest	NOUN
ajbmeb-842	109	2	rates	rate	NOUN
ajbmeb-842	109	3	of	of	ADP
ajbmeb-842	109	4	deposits	deposit	NOUN
ajbmeb-842	109	5	and	and	CCONJ
ajbmeb-842	109	6	loans	loan	NOUN
ajbmeb-842	109	7	in	in	ADP
ajbmeb-842	109	8	national	national	ADJ
ajbmeb-842	109	9	currency//www.cbu.uz	currency//www.cbu.uz	NOUN
ajbmeb-842	109	10	(	(	PUNCT
ajbmeb-842	109	11	central	central	ADJ
ajbmeb-842	109	12	bank	bank	NOUN
ajbmeb-842	109	13	of	of	ADP
ajbmeb-842	109	14	the	the	DET
ajbmeb-842	109	15	republic	republic	NOUN
ajbmeb-842	109	16	of	of	ADP
ajbmeb-842	109	17	uzbekistan	uzbekistan	PROPN
ajbmeb-842	109	18	)	)	PUNCT
ajbmeb-842	109	19	.	.	PUNCT
ajbmeb-842	110	1	13	13	NUM
ajbmeb-842	110	2	.	.	X
ajbmeb-842	110	3	bank	bank	PROPN
ajbmeb-842	110	4	of	of	ADP
ajbmeb-842	110	5	america	america	PROPN
ajbmeb-842	110	6	.	.	PUNCT
ajbmeb-842	111	1	sheet	sheet	PROPN
ajbmeb-842	111	2	.	.	PUNCT
ajbmeb-842	112	1	annual	annual	ADJ
ajbmeb-842	112	2	reports	report	NOUN
ajbmeb-842	112	3	.	.	PUNCT
ajbmeb-842	113	1	2017	2017	NUM
ajbmeb-842	113	2	,	,	PUNCT
ajbmeb-842	113	3	2018	2018	NUM
ajbmeb-842	113	4	,	,	PUNCT
ajbmeb-842	113	5	2019	2019	NUM
ajbmeb-842	113	6	,	,	PUNCT
ajbmeb-842	113	7	2020	2020	NUM
ajbmeb-842	113	8	,	,	PUNCT
ajbmeb-842	113	9	2021//	2021//	PROPN
ajbmeb-842	113	10	http://www.bankofamerica.com	http://www.bankofamerica.com	X
ajbmeb-842	113	11	14	14	NUM
ajbmeb-842	113	12	.	.	PUNCT
ajbmeb-842	114	1	jsc	jsc	PROPN
ajbmeb-842	114	2	"	"	PUNCT
ajbmeb-842	114	3	asakabank	asakabank	NOUN
ajbmeb-842	114	4	"	"	PUNCT
ajbmeb-842	114	5	.	.	PUNCT
ajbmeb-842	115	1	annual	annual	ADJ
ajbmeb-842	115	2	reports	report	NOUN
ajbmeb-842	115	3	.	.	PUNCT
ajbmeb-842	116	1	2017	2017	NUM
ajbmeb-842	116	2	,	,	PUNCT
ajbmeb-842	116	3	2018	2018	NUM
ajbmeb-842	116	4	,	,	PUNCT
ajbmeb-842	116	5	2019	2019	NUM
ajbmeb-842	116	6	,	,	PUNCT
ajbmeb-842	116	7	2020//www.asakabank.uz	2020//www.asakabank.uz	NUM
ajbmeb-842	116	8	;	;	PUNCT
ajbmeb-842	116	9	jsc	jsc	PROPN
ajbmeb-842	116	10	"	"	PUNCT
ajbmeb-842	116	11	turonbank	turonbank	NOUN
ajbmeb-842	116	12	"	"	PUNCT
ajbmeb-842	116	13	.	.	PUNCT
ajbmeb-842	117	1	annual	annual	ADJ
ajbmeb-842	117	2	reports	report	NOUN
ajbmeb-842	117	3	.	.	PUNCT
ajbmeb-842	118	1	2017	2017	NUM
ajbmeb-842	118	2	,	,	PUNCT
ajbmeb-842	118	3	2018	2018	NUM
ajbmeb-842	118	4	,	,	PUNCT
ajbmeb-842	118	5	2019	2019	NUM
ajbmeb-842	118	6	,	,	PUNCT
ajbmeb-842	118	7	2020//www.turonbank.uz	2020//www.turonbank.uz	NUM