id	sid	tid	token	lemma	pos
ajfti-3193	1	1	pa	pa	PROPN
ajfti-3193	1	2	ge	ge	PROPN
ajfti-3193	1	3	1	1	NUM
ajfti-3193	1	4	pa	pa	PROPN
ajfti-3193	1	5	ge	ge	PROPN
ajfti-3193	1	6	33	33	NUM
ajfti-3193	1	7	american	american	PROPN
ajfti-3193	1	8	journal	journal	PROPN
ajfti-3193	1	9	of	of	ADP
ajfti-3193	1	10	financial	financial	ADJ
ajfti-3193	1	11	technology	technology	NOUN
ajfti-3193	1	12	and	and	CCONJ
ajfti-3193	1	13	innovation	innovation	NOUN
ajfti-3193	1	14	(	(	PUNCT
ajfti-3193	1	15	ajfti	ajfti	NOUN
ajfti-3193	1	16	)	)	PUNCT
ajfti-3193	1	17	the	the	DET
ajfti-3193	1	18	effect	effect	NOUN
ajfti-3193	1	19	of	of	ADP
ajfti-3193	1	20	financial	financial	ADJ
ajfti-3193	1	21	risks	risk	NOUN
ajfti-3193	1	22	on	on	ADP
ajfti-3193	1	23	financing	financing	NOUN
ajfti-3193	1	24	decisions	decision	NOUN
ajfti-3193	1	25	of	of	ADP
ajfti-3193	1	26	saudi	saudi	ADJ
ajfti-3193	1	27	commercial	commercial	ADJ
ajfti-3193	1	28	banks	bank	NOUN
ajfti-3193	1	29	a	a	DET
ajfti-3193	1	30	field	field	NOUN
ajfti-3193	1	31	study	study	NOUN
ajfti-3193	1	32	on	on	ADP
ajfti-3193	1	33	commercial	commercial	ADJ
ajfti-3193	1	34	banks	bank	NOUN
ajfti-3193	1	35	operating	operate	VERB
ajfti-3193	1	36	in	in	ADP
ajfti-3193	1	37	arar	arar	PROPN
ajfti-3193	1	38	city	city	PROPN
ajfti-3193	1	39	aisha	aisha	PROPN
ajfti-3193	1	40	badawi	badawi	PROPN
ajfti-3193	1	41	abdelrhman	abdelrhman	PROPN
ajfti-3193	1	42	musa1	musa1	PROPN
ajfti-3193	1	43	*	*	PROPN
ajfti-3193	1	44	,	,	PUNCT
ajfti-3193	1	45	amna	amna	VERB
ajfti-3193	1	46	abdelaal	abdelaal	PROPN
ajfti-3193	1	47	khaled	khale	VERB
ajfti-3193	1	48	ahmed1	ahmed1	PROPN
ajfti-3193	1	49	volume	volume	NOUN
ajfti-3193	1	50	2	2	NUM
ajfti-3193	1	51	issue	issue	NOUN
ajfti-3193	1	52	1	1	NUM
ajfti-3193	1	53	,	,	PUNCT
ajfti-3193	1	54	year	year	NOUN
ajfti-3193	1	55	2024	2024	NUM
ajfti-3193	1	56	issn	issn	X
ajfti-3193	1	57	:	:	PUNCT
ajfti-3193	1	58	2996	2996	NUM
ajfti-3193	1	59	-	-	SYM
ajfti-3193	1	60	0975	0975	NUM
ajfti-3193	1	61	(	(	PUNCT
ajfti-3193	1	62	online	online	NOUN
ajfti-3193	1	63	)	)	PUNCT
ajfti-3193	2	1	https://doi.org/10.54536/ajfti.v2i1.3193	https://doi.org/10.54536/ajfti.v2i1.3193	CCONJ
ajfti-3193	2	2	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3193	2	3	article	article	NOUN
ajfti-3193	2	4	information	information	NOUN
ajfti-3193	2	5	abstract	abstract	ADV
ajfti-3193	2	6	received	receive	VERB
ajfti-3193	2	7	:	:	PUNCT
ajfti-3193	2	8	july	july	PROPN
ajfti-3193	2	9	14	14	NUM
ajfti-3193	2	10	,	,	PUNCT
ajfti-3193	2	11	2024	2024	NUM
ajfti-3193	2	12	accepted	accept	VERB
ajfti-3193	2	13	:	:	PUNCT
ajfti-3193	2	14	august	august	PROPN
ajfti-3193	2	15	18	18	NUM
ajfti-3193	2	16	,	,	PUNCT
ajfti-3193	2	17	2024	2024	NUM
ajfti-3193	2	18	published	publish	VERB
ajfti-3193	2	19	:	:	PUNCT
ajfti-3193	2	20	september	september	PROPN
ajfti-3193	2	21	11	11	NUM
ajfti-3193	2	22	,	,	PUNCT
ajfti-3193	2	23	2024	2024	NUM
ajfti-3193	2	24	this	this	DET
ajfti-3193	2	25	study	study	NOUN
ajfti-3193	2	26	aims	aim	VERB
ajfti-3193	2	27	to	to	PART
ajfti-3193	2	28	analyze	analyze	VERB
ajfti-3193	2	29	the	the	DET
ajfti-3193	2	30	effect	effect	NOUN
ajfti-3193	2	31	of	of	ADP
ajfti-3193	2	32	financial	financial	ADJ
ajfti-3193	2	33	risks	risk	NOUN
ajfti-3193	2	34	on	on	ADP
ajfti-3193	2	35	the	the	DET
ajfti-3193	2	36	financing	financing	NOUN
ajfti-3193	2	37	decisions	decision	NOUN
ajfti-3193	2	38	of	of	ADP
ajfti-3193	2	39	saudi	saudi	ADJ
ajfti-3193	2	40	commercial	commercial	ADJ
ajfti-3193	2	41	banks	bank	NOUN
ajfti-3193	2	42	in	in	ADP
ajfti-3193	2	43	arar	arar	PROPN
ajfti-3193	2	44	city	city	PROPN
ajfti-3193	2	45	.	.	PUNCT
ajfti-3193	3	1	the	the	DET
ajfti-3193	3	2	study	study	NOUN
ajfti-3193	3	3	explores	explore	VERB
ajfti-3193	3	4	the	the	DET
ajfti-3193	3	5	correlation	correlation	NOUN
ajfti-3193	3	6	between	between	ADP
ajfti-3193	3	7	credit	credit	NOUN
ajfti-3193	3	8	risk	risk	NOUN
ajfti-3193	3	9	,	,	PUNCT
ajfti-3193	3	10	liquidity	liquidity	NOUN
ajfti-3193	3	11	risk	risk	NOUN
ajfti-3193	3	12	,	,	PUNCT
ajfti-3193	3	13	operational	operational	ADJ
ajfti-3193	3	14	risk	risk	NOUN
ajfti-3193	3	15	,	,	PUNCT
ajfti-3193	3	16	and	and	CCONJ
ajfti-3193	3	17	overall	overall	ADJ
ajfti-3193	3	18	financial	financial	ADJ
ajfti-3193	3	19	risk	risk	NOUN
ajfti-3193	3	20	,	,	PUNCT
ajfti-3193	3	21	as	as	ADV
ajfti-3193	3	22	well	well	ADV
ajfti-3193	3	23	as	as	ADP
ajfti-3193	3	24	how	how	SCONJ
ajfti-3193	3	25	these	these	DET
ajfti-3193	3	26	risks	risk	NOUN
ajfti-3193	3	27	affect	affect	VERB
ajfti-3193	3	28	financing	financing	NOUN
ajfti-3193	3	29	decisions	decision	NOUN
ajfti-3193	3	30	,	,	PUNCT
ajfti-3193	3	31	based	base	VERB
ajfti-3193	3	32	on	on	ADP
ajfti-3193	3	33	the	the	DET
ajfti-3193	3	34	survey	survey	NOUN
ajfti-3193	3	35	administered	administer	VERB
ajfti-3193	3	36	among	among	ADP
ajfti-3193	3	37	50	50	NUM
ajfti-3193	3	38	participants	participant	NOUN
ajfti-3193	3	39	from	from	ADP
ajfti-3193	3	40	3	3	NUM
ajfti-3193	3	41	different	different	ADJ
ajfti-3193	3	42	banks	bank	NOUN
ajfti-3193	3	43	,	,	PUNCT
ajfti-3193	3	44	which	which	PRON
ajfti-3193	3	45	included	include	VERB
ajfti-3193	3	46	junior	junior	ADJ
ajfti-3193	3	47	and	and	CCONJ
ajfti-3193	3	48	senior	senior	ADJ
ajfti-3193	3	49	financial	financial	ADJ
ajfti-3193	3	50	analysts	analyst	NOUN
ajfti-3193	3	51	,	,	PUNCT
ajfti-3193	3	52	risk	risk	NOUN
ajfti-3193	3	53	managers	manager	NOUN
ajfti-3193	3	54	,	,	PUNCT
ajfti-3193	3	55	and	and	CCONJ
ajfti-3193	3	56	executives	executive	NOUN
ajfti-3193	3	57	.	.	PUNCT
ajfti-3193	4	1	the	the	DET
ajfti-3193	4	2	results	result	NOUN
ajfti-3193	4	3	show	show	VERB
ajfti-3193	4	4	that	that	SCONJ
ajfti-3193	4	5	every	every	DET
ajfti-3193	4	6	type	type	NOUN
ajfti-3193	4	7	of	of	ADP
ajfti-3193	4	8	risk	risk	NOUN
ajfti-3193	4	9	positively	positively	ADV
ajfti-3193	4	10	correlates	correlate	VERB
ajfti-3193	4	11	with	with	ADP
ajfti-3193	4	12	financing	financing	NOUN
ajfti-3193	4	13	decisions	decision	NOUN
ajfti-3193	4	14	.	.	PUNCT
ajfti-3193	5	1	as	as	SCONJ
ajfti-3193	5	2	these	these	DET
ajfti-3193	5	3	risks	risk	NOUN
ajfti-3193	5	4	occur	occur	VERB
ajfti-3193	5	5	,	,	PUNCT
ajfti-3193	5	6	elevate	elevate	VERB
ajfti-3193	5	7	and	and	CCONJ
ajfti-3193	5	8	become	become	VERB
ajfti-3193	5	9	more	more	ADV
ajfti-3193	5	10	prominent	prominent	ADJ
ajfti-3193	5	11	,	,	PUNCT
ajfti-3193	5	12	banks	bank	NOUN
ajfti-3193	5	13	use	use	VERB
ajfti-3193	5	14	more	more	ADV
ajfti-3193	5	15	sizable	sizable	ADJ
ajfti-3193	5	16	and	and	CCONJ
ajfti-3193	5	17	riskier	risky	ADJ
ajfti-3193	5	18	financing	financing	NOUN
ajfti-3193	5	19	strategies	strategy	NOUN
ajfti-3193	5	20	to	to	PART
ajfti-3193	5	21	minimize	minimize	VERB
ajfti-3193	5	22	possible	possible	ADJ
ajfti-3193	5	23	negative	negative	ADJ
ajfti-3193	5	24	impacts	impact	NOUN
ajfti-3193	5	25	on	on	ADP
ajfti-3193	5	26	their	their	PRON
ajfti-3193	5	27	operations	operation	NOUN
ajfti-3193	5	28	and	and	CCONJ
ajfti-3193	5	29	preserve	preserve	VERB
ajfti-3193	5	30	stability	stability	NOUN
ajfti-3193	5	31	.	.	PUNCT
ajfti-3193	6	1	this	this	PRON
ajfti-3193	6	2	indicates	indicate	VERB
ajfti-3193	6	3	that	that	SCONJ
ajfti-3193	6	4	financial	financial	ADJ
ajfti-3193	6	5	risks	risk	NOUN
ajfti-3193	6	6	are	be	AUX
ajfti-3193	6	7	interrelated	interrelated	ADJ
ajfti-3193	6	8	and	and	CCONJ
ajfti-3193	6	9	that	that	SCONJ
ajfti-3193	6	10	robust	robust	ADJ
ajfti-3193	6	11	risk	risk	NOUN
ajfti-3193	6	12	management	management	NOUN
ajfti-3193	6	13	practices	practice	NOUN
ajfti-3193	6	14	are	be	AUX
ajfti-3193	6	15	essential	essential	ADJ
ajfti-3193	6	16	to	to	ADP
ajfti-3193	6	17	strategic	strategic	ADJ
ajfti-3193	6	18	financial	financial	ADJ
ajfti-3193	6	19	management	management	NOUN
ajfti-3193	6	20	practices	practice	NOUN
ajfti-3193	6	21	in	in	ADP
ajfti-3193	6	22	the	the	DET
ajfti-3193	6	23	banking	banking	NOUN
ajfti-3193	6	24	industry	industry	NOUN
ajfti-3193	6	25	.	.	PUNCT
ajfti-3193	7	1	however	however	ADV
ajfti-3193	7	2	,	,	PUNCT
ajfti-3193	7	3	it	it	PRON
ajfti-3193	7	4	has	have	VERB
ajfti-3193	7	5	some	some	DET
ajfti-3193	7	6	limitations	limitation	NOUN
ajfti-3193	7	7	,	,	PUNCT
ajfti-3193	7	8	including	include	VERB
ajfti-3193	7	9	the	the	DET
ajfti-3193	7	10	relatively	relatively	ADV
ajfti-3193	7	11	small	small	ADJ
ajfti-3193	7	12	sample	sample	NOUN
ajfti-3193	7	13	size	size	NOUN
ajfti-3193	7	14	and	and	CCONJ
ajfti-3193	7	15	the	the	DET
ajfti-3193	7	16	crosssectional	crosssectional	ADJ
ajfti-3193	7	17	study	study	NOUN
ajfti-3193	7	18	design	design	NOUN
ajfti-3193	7	19	,	,	PUNCT
ajfti-3193	7	20	which	which	PRON
ajfti-3193	7	21	may	may	AUX
ajfti-3193	7	22	reduce	reduce	VERB
ajfti-3193	7	23	the	the	DET
ajfti-3193	7	24	generalizability	generalizability	NOUN
ajfti-3193	7	25	of	of	ADP
ajfti-3193	7	26	the	the	DET
ajfti-3193	7	27	findings	finding	NOUN
ajfti-3193	7	28	and	and	CCONJ
ajfti-3193	7	29	limit	limit	VERB
ajfti-3193	7	30	the	the	DET
ajfti-3193	7	31	possibility	possibility	NOUN
ajfti-3193	7	32	of	of	ADP
ajfti-3193	7	33	temporal	temporal	ADJ
ajfti-3193	7	34	causal	causal	ADJ
ajfti-3193	7	35	inferences	inference	NOUN
ajfti-3193	7	36	.	.	PUNCT
ajfti-3193	8	1	nevertheless	nevertheless	ADV
ajfti-3193	8	2	,	,	PUNCT
ajfti-3193	8	3	the	the	DET
ajfti-3193	8	4	study	study	NOUN
ajfti-3193	8	5	makes	make	VERB
ajfti-3193	8	6	several	several	ADJ
ajfti-3193	8	7	contributions	contribution	NOUN
ajfti-3193	8	8	to	to	ADP
ajfti-3193	8	9	the	the	DET
ajfti-3193	8	10	existing	exist	VERB
ajfti-3193	8	11	literature	literature	NOUN
ajfti-3193	8	12	in	in	ADP
ajfti-3193	8	13	terms	term	NOUN
ajfti-3193	8	14	of	of	ADP
ajfti-3193	8	15	offering	offer	VERB
ajfti-3193	8	16	information	information	NOUN
ajfti-3193	8	17	about	about	ADP
ajfti-3193	8	18	the	the	DET
ajfti-3193	8	19	relationship	relationship	NOUN
ajfti-3193	8	20	between	between	ADP
ajfti-3193	8	21	financial	financial	ADJ
ajfti-3193	8	22	risks	risk	NOUN
ajfti-3193	8	23	and	and	CCONJ
ajfti-3193	8	24	financing	financing	NOUN
ajfti-3193	8	25	decisions	decision	NOUN
ajfti-3193	8	26	of	of	ADP
ajfti-3193	8	27	saudi	saudi	ADJ
ajfti-3193	8	28	commercial	commercial	ADJ
ajfti-3193	8	29	banks	bank	NOUN
ajfti-3193	8	30	with	with	ADP
ajfti-3193	8	31	significant	significant	ADJ
ajfti-3193	8	32	practical	practical	ADJ
ajfti-3193	8	33	implications	implication	NOUN
ajfti-3193	8	34	for	for	ADP
ajfti-3193	8	35	bank	bank	NOUN
ajfti-3193	8	36	managers	manager	NOUN
ajfti-3193	8	37	and	and	CCONJ
ajfti-3193	8	38	policymakers	policymaker	NOUN
ajfti-3193	8	39	.	.	PUNCT
ajfti-3193	9	1	subsequent	subsequent	ADJ
ajfti-3193	9	2	research	research	NOUN
ajfti-3193	9	3	employing	employ	VERB
ajfti-3193	9	4	increased	increase	VERB
ajfti-3193	9	5	data	data	NOUN
ajfti-3193	9	6	samples	sample	NOUN
ajfti-3193	9	7	,	,	PUNCT
ajfti-3193	9	8	longitudinal	longitudinal	ADJ
ajfti-3193	9	9	analysis	analysis	NOUN
ajfti-3193	9	10	,	,	PUNCT
ajfti-3193	9	11	or	or	CCONJ
ajfti-3193	9	12	a	a	DET
ajfti-3193	9	13	combination	combination	NOUN
ajfti-3193	9	14	of	of	ADP
ajfti-3193	9	15	both	both	CCONJ
ajfti-3193	9	16	quantitative	quantitative	ADJ
ajfti-3193	9	17	and	and	CCONJ
ajfti-3193	9	18	qualitative	qualitative	ADJ
ajfti-3193	9	19	studies	study	NOUN
ajfti-3193	9	20	may	may	AUX
ajfti-3193	9	21	yield	yield	VERB
ajfti-3193	9	22	deeper	deep	ADJ
ajfti-3193	9	23	insight	insight	NOUN
ajfti-3193	9	24	into	into	ADP
ajfti-3193	9	25	the	the	DET
ajfti-3193	9	26	interconnections	interconnection	NOUN
ajfti-3193	9	27	above	above	ADV
ajfti-3193	9	28	and	and	CCONJ
ajfti-3193	9	29	strengthen	strengthen	VERB
ajfti-3193	9	30	risk	risk	NOUN
ajfti-3193	9	31	management	management	NOUN
ajfti-3193	9	32	in	in	ADP
ajfti-3193	9	33	the	the	DET
ajfti-3193	9	34	banking	banking	NOUN
ajfti-3193	9	35	industry	industry	NOUN
ajfti-3193	9	36	.	.	PUNCT
ajfti-3193	10	1	keywords	keyword	VERB
ajfti-3193	10	2	financial	financial	ADJ
ajfti-3193	10	3	risks	risk	NOUN
ajfti-3193	10	4	,	,	PUNCT
ajfti-3193	10	5	risk	risk	NOUN
ajfti-3193	10	6	management	management	NOUN
ajfti-3193	10	7	,	,	PUNCT
ajfti-3193	10	8	financing	financing	NOUN
ajfti-3193	10	9	decisions	decision	NOUN
ajfti-3193	10	10	,	,	PUNCT
ajfti-3193	10	11	banking	banking	NOUN
ajfti-3193	10	12	sector	sector	NOUN
ajfti-3193	10	13	,	,	PUNCT
ajfti-3193	10	14	liquidity	liquidity	NOUN
ajfti-3193	10	15	risk	risk	NOUN
ajfti-3193	10	16	,	,	PUNCT
ajfti-3193	10	17	financial	financial	ADJ
ajfti-3193	10	18	performance	performance	NOUN
ajfti-3193	10	19	introduction	introduction	NOUN
ajfti-3193	10	20	the	the	DET
ajfti-3193	10	21	saudi	saudi	ADJ
ajfti-3193	10	22	banking	banking	NOUN
ajfti-3193	10	23	sector	sector	NOUN
ajfti-3193	10	24	has	have	AUX
ajfti-3193	10	25	shown	show	VERB
ajfti-3193	10	26	tremendous	tremendous	ADJ
ajfti-3193	10	27	change	change	NOUN
ajfti-3193	10	28	and	and	CCONJ
ajfti-3193	10	29	expansion	expansion	NOUN
ajfti-3193	10	30	due	due	ADP
ajfti-3193	10	31	to	to	ADP
ajfti-3193	10	32	the	the	DET
ajfti-3193	10	33	kingdom	kingdom	NOUN
ajfti-3193	10	34	’s	’s	PART
ajfti-3193	10	35	vision	vision	NOUN
ajfti-3193	10	36	2030	2030	NUM
ajfti-3193	10	37	of	of	ADP
ajfti-3193	10	38	achieving	achieve	VERB
ajfti-3193	10	39	economic	economic	ADJ
ajfti-3193	10	40	diversification	diversification	NOUN
ajfti-3193	10	41	away	away	ADV
ajfti-3193	10	42	from	from	ADP
ajfti-3193	10	43	relying	rely	VERB
ajfti-3193	10	44	on	on	ADP
ajfti-3193	10	45	oil	oil	NOUN
ajfti-3193	10	46	(	(	PUNCT
ajfti-3193	10	47	moshashai	moshashai	NOUN
ajfti-3193	10	48	et	et	PROPN
ajfti-3193	10	49	al	al	PROPN
ajfti-3193	10	50	.	.	PROPN
ajfti-3193	10	51	,	,	PUNCT
ajfti-3193	10	52	2020	2020	NUM
ajfti-3193	10	53	)	)	PUNCT
ajfti-3193	10	54	.	.	PUNCT
ajfti-3193	11	1	this	this	PRON
ajfti-3193	11	2	has	have	AUX
ajfti-3193	11	3	led	lead	VERB
ajfti-3193	11	4	to	to	ADP
ajfti-3193	11	5	changes	change	NOUN
ajfti-3193	11	6	in	in	ADP
ajfti-3193	11	7	the	the	DET
ajfti-3193	11	8	regulatory	regulatory	ADJ
ajfti-3193	11	9	environment	environment	NOUN
ajfti-3193	11	10	as	as	SCONJ
ajfti-3193	11	11	the	the	DET
ajfti-3193	11	12	saudi	saudi	ADJ
ajfti-3193	11	13	central	central	ADJ
ajfti-3193	11	14	bank	bank	PROPN
ajfti-3193	11	15	(	(	PUNCT
ajfti-3193	11	16	sama	sama	NOUN
ajfti-3193	11	17	)	)	PUNCT
ajfti-3193	11	18	has	have	AUX
ajfti-3193	11	19	implemented	implement	VERB
ajfti-3193	11	20	reforms	reform	NOUN
ajfti-3193	11	21	,	,	PUNCT
ajfti-3193	11	22	which	which	PRON
ajfti-3193	11	23	include	include	VERB
ajfti-3193	11	24	initiatives	initiative	NOUN
ajfti-3193	11	25	for	for	ADP
ajfti-3193	11	26	financial	financial	ADJ
ajfti-3193	11	27	technology	technology	NOUN
ajfti-3193	11	28	(	(	PUNCT
ajfti-3193	11	29	fintech	fintech	NOUN
ajfti-3193	11	30	)	)	PUNCT
ajfti-3193	11	31	companies	company	NOUN
ajfti-3193	11	32	and	and	CCONJ
ajfti-3193	11	33	new	new	ADJ
ajfti-3193	11	34	banking	banking	NOUN
ajfti-3193	11	35	laws	law	NOUN
ajfti-3193	11	36	for	for	ADP
ajfti-3193	11	37	the	the	DET
ajfti-3193	11	38	first	first	ADJ
ajfti-3193	11	39	time	time	NOUN
ajfti-3193	11	40	in	in	ADP
ajfti-3193	11	41	over	over	ADP
ajfti-3193	11	42	fifty	fifty	NUM
ajfti-3193	11	43	years	year	NOUN
ajfti-3193	11	44	.	.	PUNCT
ajfti-3193	12	1	these	these	DET
ajfti-3193	12	2	changes	change	NOUN
ajfti-3193	12	3	promote	promote	VERB
ajfti-3193	12	4	the	the	DET
ajfti-3193	12	5	digital	digital	ADJ
ajfti-3193	12	6	banking	banking	NOUN
ajfti-3193	12	7	transition	transition	NOUN
ajfti-3193	12	8	process	process	NOUN
ajfti-3193	12	9	,	,	PUNCT
ajfti-3193	12	10	encouraging	encourage	VERB
ajfti-3193	12	11	people	people	NOUN
ajfti-3193	12	12	to	to	PART
ajfti-3193	12	13	rely	rely	VERB
ajfti-3193	12	14	less	less	ADV
ajfti-3193	12	15	on	on	ADP
ajfti-3193	12	16	traditional	traditional	ADJ
ajfti-3193	12	17	methods	method	NOUN
ajfti-3193	12	18	and	and	CCONJ
ajfti-3193	12	19	more	more	ADJ
ajfti-3193	12	20	on	on	ADP
ajfti-3193	12	21	digital	digital	ADJ
ajfti-3193	12	22	payments	payment	NOUN
ajfti-3193	12	23	and	and	CCONJ
ajfti-3193	12	24	smartphone	smartphone	NOUN
ajfti-3193	12	25	banking	banking	NOUN
ajfti-3193	12	26	(	(	PUNCT
ajfti-3193	12	27	ramady	ramady	ADJ
ajfti-3193	12	28	,	,	PUNCT
ajfti-3193	12	29	2021	2021	NUM
ajfti-3193	12	30	)	)	PUNCT
ajfti-3193	12	31	.	.	PUNCT
ajfti-3193	13	1	according	accord	VERB
ajfti-3193	13	2	to	to	ADP
ajfti-3193	13	3	abro	abro	PROPN
ajfti-3193	13	4	et	et	PROPN
ajfti-3193	13	5	al	al	PROPN
ajfti-3193	13	6	.	.	PROPN
ajfti-3193	13	7	(	(	PUNCT
ajfti-3193	13	8	2023	2023	NUM
ajfti-3193	13	9	)	)	PUNCT
ajfti-3193	13	10	,	,	PUNCT
ajfti-3193	13	11	the	the	DET
ajfti-3193	13	12	saudi	saudi	ADJ
ajfti-3193	13	13	banking	banking	NOUN
ajfti-3193	13	14	sector	sector	NOUN
ajfti-3193	13	15	has	have	AUX
ajfti-3193	13	16	been	be	AUX
ajfti-3193	13	17	one	one	NUM
ajfti-3193	13	18	of	of	ADP
ajfti-3193	13	19	the	the	DET
ajfti-3193	13	20	main	main	ADJ
ajfti-3193	13	21	driving	drive	VERB
ajfti-3193	13	22	forces	force	NOUN
ajfti-3193	13	23	of	of	ADP
ajfti-3193	13	24	the	the	DET
ajfti-3193	13	25	country	country	NOUN
ajfti-3193	13	26	’s	’s	PART
ajfti-3193	13	27	financial	financial	ADJ
ajfti-3193	13	28	system	system	NOUN
ajfti-3193	13	29	as	as	SCONJ
ajfti-3193	13	30	it	it	PRON
ajfti-3193	13	31	shows	show	VERB
ajfti-3193	13	32	sustainable	sustainable	ADJ
ajfti-3193	13	33	development	development	NOUN
ajfti-3193	13	34	and	and	CCONJ
ajfti-3193	13	35	relative	relative	ADJ
ajfti-3193	13	36	stability	stability	NOUN
ajfti-3193	13	37	(	(	PUNCT
ajfti-3193	13	38	abro	abro	PROPN
ajfti-3193	13	39	et	et	PROPN
ajfti-3193	13	40	al	al	PROPN
ajfti-3193	13	41	.	.	PROPN
ajfti-3193	13	42	,	,	PUNCT
ajfti-3193	13	43	2023	2023	NUM
ajfti-3193	13	44	)	)	PUNCT
ajfti-3193	13	45	.	.	PUNCT
ajfti-3193	14	1	the	the	DET
ajfti-3193	14	2	recent	recent	ADJ
ajfti-3193	14	3	performance	performance	NOUN
ajfti-3193	14	4	of	of	ADP
ajfti-3193	14	5	key	key	ADJ
ajfti-3193	14	6	indicators	indicator	NOUN
ajfti-3193	14	7	like	like	ADP
ajfti-3193	14	8	operating	operate	VERB
ajfti-3193	14	9	income	income	NOUN
ajfti-3193	14	10	,	,	PUNCT
ajfti-3193	14	11	net	net	ADJ
ajfti-3193	14	12	interest	interest	NOUN
ajfti-3193	14	13	margin	margin	NOUN
ajfti-3193	14	14	,	,	PUNCT
ajfti-3193	14	15	loans	loan	NOUN
ajfti-3193	14	16	and	and	CCONJ
ajfti-3193	14	17	advances	advance	NOUN
ajfti-3193	14	18	,	,	PUNCT
ajfti-3193	14	19	and	and	CCONJ
ajfti-3193	14	20	deposits	deposit	NOUN
ajfti-3193	14	21	has	have	AUX
ajfti-3193	14	22	also	also	ADV
ajfti-3193	14	23	improved	improve	VERB
ajfti-3193	14	24	(	(	PUNCT
ajfti-3193	14	25	alnajjar	alnajjar	PROPN
ajfti-3193	14	26	&	&	CCONJ
ajfti-3193	14	27	assous	assous	ADJ
ajfti-3193	14	28	,	,	PUNCT
ajfti-3193	14	29	2021	2021	NUM
ajfti-3193	14	30	)	)	PUNCT
ajfti-3193	14	31	.	.	PUNCT
ajfti-3193	15	1	according	accord	VERB
ajfti-3193	15	2	to	to	ADP
ajfti-3193	15	3	arslan	arslan	PROPN
ajfti-3193	15	4	et	et	PROPN
ajfti-3193	15	5	al	al	PROPN
ajfti-3193	15	6	.	.	PROPN
ajfti-3193	16	1	(	(	PUNCT
ajfti-3193	16	2	2019	2019	NUM
ajfti-3193	16	3	)	)	PUNCT
ajfti-3193	16	4	,	,	PUNCT
ajfti-3193	16	5	commercial	commercial	ADJ
ajfti-3193	16	6	banks	bank	NOUN
ajfti-3193	16	7	occupy	occupy	VERB
ajfti-3193	16	8	a	a	DET
ajfti-3193	16	9	crucial	crucial	ADJ
ajfti-3193	16	10	position	position	NOUN
ajfti-3193	16	11	in	in	ADP
ajfti-3193	16	12	extending	extend	VERB
ajfti-3193	16	13	financial	financial	ADJ
ajfti-3193	16	14	services	service	NOUN
ajfti-3193	16	15	to	to	ADP
ajfti-3193	16	16	the	the	DET
ajfti-3193	16	17	other	other	ADJ
ajfti-3193	16	18	sectors	sector	NOUN
ajfti-3193	16	19	of	of	ADP
ajfti-3193	16	20	the	the	DET
ajfti-3193	16	21	economy	economy	NOUN
ajfti-3193	16	22	,	,	PUNCT
ajfti-3193	16	23	which	which	PRON
ajfti-3193	16	24	is	be	AUX
ajfti-3193	16	25	a	a	DET
ajfti-3193	16	26	major	major	ADJ
ajfti-3193	16	27	boost	boost	NOUN
ajfti-3193	16	28	to	to	ADP
ajfti-3193	16	29	credit	credit	NOUN
ajfti-3193	16	30	markets	market	NOUN
ajfti-3193	16	31	and	and	CCONJ
ajfti-3193	16	32	economic	economic	ADJ
ajfti-3193	16	33	growth	growth	NOUN
ajfti-3193	16	34	(	(	PUNCT
ajfti-3193	16	35	arslan	arslan	PROPN
ajfti-3193	16	36	et	et	PROPN
ajfti-3193	16	37	al	al	PROPN
ajfti-3193	16	38	.	.	PROPN
ajfti-3193	16	39	,	,	PUNCT
ajfti-3193	16	40	2019	2019	NUM
ajfti-3193	16	41	;	;	PUNCT
ajfti-3193	16	42	farhan	farhan	PROPN
ajfti-3193	16	43	et	et	PROPN
ajfti-3193	16	44	al	al	PROPN
ajfti-3193	16	45	.	.	PROPN
ajfti-3193	16	46	,	,	PUNCT
ajfti-3193	16	47	2022	2022	NUM
ajfti-3193	16	48	)	)	PUNCT
ajfti-3193	16	49	.	.	PUNCT
ajfti-3193	17	1	additionally	additionally	ADV
ajfti-3193	17	2	,	,	PUNCT
ajfti-3193	17	3	the	the	DET
ajfti-3193	17	4	concept	concept	NOUN
ajfti-3193	17	5	of	of	ADP
ajfti-3193	17	6	corporate	corporate	ADJ
ajfti-3193	17	7	governance	governance	NOUN
ajfti-3193	17	8	has	have	AUX
ajfti-3193	17	9	been	be	AUX
ajfti-3193	17	10	recognized	recognize	VERB
ajfti-3193	17	11	in	in	ADP
ajfti-3193	17	12	the	the	DET
ajfti-3193	17	13	saudi	saudi	ADJ
ajfti-3193	17	14	banking	banking	NOUN
ajfti-3193	17	15	sector	sector	NOUN
ajfti-3193	17	16	.	.	PUNCT
ajfti-3193	18	1	numerous	numerous	ADJ
ajfti-3193	18	2	researchers	researcher	NOUN
ajfti-3193	18	3	have	have	AUX
ajfti-3193	18	4	examined	examine	VERB
ajfti-3193	18	5	the	the	DET
ajfti-3193	18	6	impact	impact	NOUN
ajfti-3193	18	7	of	of	ADP
ajfti-3193	18	8	corporate	corporate	ADJ
ajfti-3193	18	9	governance	governance	NOUN
ajfti-3193	18	10	on	on	ADP
ajfti-3193	18	11	bank	bank	NOUN
ajfti-3193	18	12	performance	performance	NOUN
ajfti-3193	18	13	and	and	CCONJ
ajfti-3193	18	14	have	have	AUX
ajfti-3193	18	15	concluded	conclude	VERB
ajfti-3193	18	16	that	that	SCONJ
ajfti-3193	18	17	a	a	DET
ajfti-3193	18	18	positive	positive	ADJ
ajfti-3193	18	19	link	link	NOUN
ajfti-3193	18	20	exists	exist	VERB
ajfti-3193	18	21	between	between	ADP
ajfti-3193	18	22	corporate	corporate	ADJ
ajfti-3193	18	23	governance	governance	NOUN
ajfti-3193	18	24	and	and	CCONJ
ajfti-3193	18	25	the	the	DET
ajfti-3193	18	26	banking	banking	NOUN
ajfti-3193	18	27	sector	sector	NOUN
ajfti-3193	18	28	(	(	PUNCT
ajfti-3193	18	29	al	al	PROPN
ajfti-3193	18	30	matari	matari	PROPN
ajfti-3193	18	31	&	&	CCONJ
ajfti-3193	18	32	mgammal	mgammal	NOUN
ajfti-3193	18	33	,	,	PUNCT
ajfti-3193	18	34	2019	2019	NUM
ajfti-3193	18	35	;	;	PUNCT
ajfti-3193	18	36	almoneef	almoneef	PROPN
ajfti-3193	18	37	&	&	CCONJ
ajfti-3193	18	38	samontaray	samontaray	VERB
ajfti-3193	18	39	,	,	PUNCT
ajfti-3193	18	40	2019	2019	NUM
ajfti-3193	18	41	;	;	PUNCT
ajfti-3193	18	42	khanifah	khanifah	NOUN
ajfti-3193	18	43	et	et	PROPN
ajfti-3193	18	44	al	al	PROPN
ajfti-3193	18	45	.	.	PROPN
ajfti-3193	18	46	,	,	PUNCT
ajfti-3193	18	47	2020	2020	NUM
ajfti-3193	18	48	)	)	PUNCT
ajfti-3193	18	49	.	.	PUNCT
ajfti-3193	19	1	in	in	ADP
ajfti-3193	19	2	pursuing	pursue	VERB
ajfti-3193	19	3	this	this	PRON
ajfti-3193	19	4	,	,	PUNCT
ajfti-3193	19	5	the	the	DET
ajfti-3193	19	6	capital	capital	NOUN
ajfti-3193	19	7	market	market	NOUN
ajfti-3193	19	8	authority	authority	NOUN
ajfti-3193	19	9	has	have	AUX
ajfti-3193	19	10	put	put	VERB
ajfti-3193	19	11	in	in	ADP
ajfti-3193	19	12	place	place	NOUN
ajfti-3193	19	13	various	various	ADJ
ajfti-3193	19	14	regulations	regulation	NOUN
ajfti-3193	19	15	to	to	PART
ajfti-3193	19	16	improve	improve	VERB
ajfti-3193	19	17	the	the	DET
ajfti-3193	19	18	sector	sector	NOUN
ajfti-3193	19	19	’s	’s	PART
ajfti-3193	19	20	corporate	corporate	ADJ
ajfti-3193	19	21	governance	governance	NOUN
ajfti-3193	19	22	standards	standard	NOUN
ajfti-3193	19	23	and	and	CCONJ
ajfti-3193	19	24	overall	overall	ADJ
ajfti-3193	19	25	transparency	transparency	NOUN
ajfti-3193	19	26	,	,	PUNCT
ajfti-3193	19	27	accountability	accountability	NOUN
ajfti-3193	19	28	,	,	PUNCT
ajfti-3193	19	29	and	and	CCONJ
ajfti-3193	19	30	best	good	ADJ
ajfti-3193	19	31	practices	practice	NOUN
ajfti-3193	19	32	in	in	ADP
ajfti-3193	19	33	the	the	DET
ajfti-3193	19	34	industry	industry	NOUN
ajfti-3193	19	35	(	(	PUNCT
ajfti-3193	19	36	lotto	lotto	NOUN
ajfti-3193	19	37	,	,	PUNCT
ajfti-3193	19	38	2018	2018	NUM
ajfti-3193	19	39	)	)	PUNCT
ajfti-3193	19	40	.	.	PUNCT
ajfti-3193	20	1	after	after	ADP
ajfti-3193	20	2	thoroughly	thoroughly	ADV
ajfti-3193	20	3	examining	examine	VERB
ajfti-3193	20	4	the	the	DET
ajfti-3193	20	5	previously	previously	ADV
ajfti-3193	20	6	published	publish	VERB
ajfti-3193	20	7	literature	literature	NOUN
ajfti-3193	20	8	,	,	PUNCT
ajfti-3193	20	9	it	it	PRON
ajfti-3193	20	10	was	be	AUX
ajfti-3193	20	11	concluded	conclude	VERB
ajfti-3193	20	12	that	that	SCONJ
ajfti-3193	20	13	several	several	ADJ
ajfti-3193	20	14	topics	topic	NOUN
ajfti-3193	20	15	covered	cover	VERB
ajfti-3193	20	16	the	the	DET
ajfti-3193	20	17	issues	issue	NOUN
ajfti-3193	20	18	of	of	ADP
ajfti-3193	20	19	the	the	DET
ajfti-3193	20	20	saudi	saudi	ADJ
ajfti-3193	20	21	banking	banking	NOUN
ajfti-3193	20	22	sector	sector	NOUN
ajfti-3193	20	23	,	,	PUNCT
ajfti-3193	20	24	but	but	CCONJ
ajfti-3193	20	25	very	very	ADV
ajfti-3193	20	26	few	few	ADJ
ajfti-3193	20	27	studies	study	NOUN
ajfti-3193	20	28	were	be	AUX
ajfti-3193	20	29	conducted	conduct	VERB
ajfti-3193	20	30	specifically	specifically	ADV
ajfti-3193	20	31	in	in	ADP
ajfti-3193	20	32	arar	arar	PROPN
ajfti-3193	20	33	,	,	PUNCT
ajfti-3193	20	34	a	a	DET
ajfti-3193	20	35	city	city	NOUN
ajfti-3193	20	36	in	in	ADP
ajfti-3193	20	37	the	the	DET
ajfti-3193	20	38	northern	northern	ADJ
ajfti-3193	20	39	part	part	NOUN
ajfti-3193	20	40	of	of	ADP
ajfti-3193	20	41	saudi	saudi	PROPN
ajfti-3193	20	42	arabia	arabia	PROPN
ajfti-3193	20	43	(	(	PUNCT
ajfti-3193	20	44	abualsauod	abualsauod	PROPN
ajfti-3193	20	45	&	&	CCONJ
ajfti-3193	20	46	othman	othman	PROPN
ajfti-3193	20	47	,	,	PUNCT
ajfti-3193	20	48	2020	2020	NUM
ajfti-3193	20	49	;	;	PUNCT
ajfti-3193	20	50	alaagam	alaagam	ADV
ajfti-3193	20	51	,	,	PUNCT
ajfti-3193	20	52	2019	2019	NUM
ajfti-3193	20	53	;	;	PUNCT
ajfti-3193	20	54	alshebmi	alshebmi	PROPN
ajfti-3193	20	55	et	et	PROPN
ajfti-3193	20	56	al	al	PROPN
ajfti-3193	20	57	.	.	PROPN
ajfti-3193	20	58	,	,	PUNCT
ajfti-3193	20	59	2020	2020	NUM
ajfti-3193	20	60	;	;	PUNCT
ajfti-3193	20	61	t.	t.	PROPN
ajfti-3193	20	62	alanazi	alanazi	PROPN
ajfti-3193	20	63	et	et	PROPN
ajfti-3193	20	64	al	al	PROPN
ajfti-3193	20	65	.	.	PROPN
ajfti-3193	20	66	,	,	PUNCT
ajfti-3193	20	67	2020	2020	NUM
ajfti-3193	20	68	)	)	PUNCT
ajfti-3193	20	69	.	.	PUNCT
ajfti-3193	21	1	therefore	therefore	ADV
ajfti-3193	21	2	,	,	PUNCT
ajfti-3193	21	3	further	further	ADJ
ajfti-3193	21	4	research	research	NOUN
ajfti-3193	21	5	is	be	AUX
ajfti-3193	21	6	needed	need	VERB
ajfti-3193	21	7	to	to	PART
ajfti-3193	21	8	identify	identify	VERB
ajfti-3193	21	9	the	the	DET
ajfti-3193	21	10	specific	specific	ADJ
ajfti-3193	21	11	mechanisms	mechanism	NOUN
ajfti-3193	21	12	and	and	CCONJ
ajfti-3193	21	13	processes	process	NOUN
ajfti-3193	21	14	,	,	PUNCT
ajfti-3193	21	15	difficulties	difficulty	NOUN
ajfti-3193	21	16	,	,	PUNCT
ajfti-3193	21	17	and	and	CCONJ
ajfti-3193	21	18	organizational	organizational	ADJ
ajfti-3193	21	19	effectiveness	effectiveness	NOUN
ajfti-3193	21	20	of	of	ADP
ajfti-3193	21	21	banking	banking	NOUN
ajfti-3193	21	22	institutions	institution	NOUN
ajfti-3193	21	23	in	in	ADP
ajfti-3193	21	24	arar	arar	PROPN
ajfti-3193	21	25	.	.	PUNCT
ajfti-3193	22	1	the	the	DET
ajfti-3193	22	2	results	result	NOUN
ajfti-3193	22	3	of	of	ADP
ajfti-3193	22	4	this	this	DET
ajfti-3193	22	5	regional	regional	ADJ
ajfti-3193	22	6	breakdown	breakdown	NOUN
ajfti-3193	22	7	help	help	NOUN
ajfti-3193	22	8	to	to	PART
ajfti-3193	22	9	determine	determine	VERB
ajfti-3193	22	10	the	the	DET
ajfti-3193	22	11	unique	unique	ADJ
ajfti-3193	22	12	drivers	driver	NOUN
ajfti-3193	22	13	for	for	ADP
ajfti-3193	22	14	the	the	DET
ajfti-3193	22	15	banking	banking	NOUN
ajfti-3193	22	16	sector	sector	NOUN
ajfti-3193	22	17	in	in	ADP
ajfti-3193	22	18	this	this	DET
ajfti-3193	22	19	region	region	NOUN
ajfti-3193	22	20	and	and	CCONJ
ajfti-3193	22	21	provide	provide	VERB
ajfti-3193	22	22	information	information	NOUN
ajfti-3193	22	23	for	for	ADP
ajfti-3193	22	24	the	the	DET
ajfti-3193	22	25	stakeholders	stakeholder	NOUN
ajfti-3193	22	26	and	and	CCONJ
ajfti-3193	22	27	policymakers	policymaker	NOUN
ajfti-3193	22	28	.	.	PUNCT
ajfti-3193	23	1	the	the	DET
ajfti-3193	23	2	saudi	saudi	ADJ
ajfti-3193	23	3	banking	banking	NOUN
ajfti-3193	23	4	sector	sector	NOUN
ajfti-3193	23	5	is	be	AUX
ajfti-3193	23	6	characterized	characterize	VERB
ajfti-3193	23	7	as	as	ADP
ajfti-3193	23	8	viable	viable	ADJ
ajfti-3193	23	9	,	,	PUNCT
ajfti-3193	23	10	developing	develop	VERB
ajfti-3193	23	11	,	,	PUNCT
ajfti-3193	23	12	and	and	CCONJ
ajfti-3193	23	13	inclined	incline	VERB
ajfti-3193	23	14	towards	towards	ADP
ajfti-3193	23	15	corporate	corporate	ADJ
ajfti-3193	23	16	governance	governance	NOUN
ajfti-3193	23	17	(	(	PUNCT
ajfti-3193	23	18	al	al	PROPN
ajfti-3193	23	19	matari	matari	PROPN
ajfti-3193	23	20	&	&	CCONJ
ajfti-3193	23	21	mgammal	mgammal	NOUN
ajfti-3193	23	22	,	,	PUNCT
ajfti-3193	23	23	2019	2019	NUM
ajfti-3193	23	24	)	)	PUNCT
ajfti-3193	23	25	.	.	PUNCT
ajfti-3193	24	1	however	however	ADV
ajfti-3193	24	2	,	,	PUNCT
ajfti-3193	24	3	arar	arar	PROPN
ajfti-3193	24	4	’s	’s	PART
ajfti-3193	24	5	banking	banking	NOUN
ajfti-3193	24	6	sector	sector	NOUN
ajfti-3193	24	7	is	be	AUX
ajfti-3193	24	8	crucial	crucial	ADJ
ajfti-3193	24	9	for	for	ADP
ajfti-3193	24	10	comprehensively	comprehensively	ADV
ajfti-3193	24	11	understanding	understand	VERB
ajfti-3193	24	12	the	the	DET
ajfti-3193	24	13	local	local	ADJ
ajfti-3193	24	14	banking	banking	NOUN
ajfti-3193	24	15	environment	environment	NOUN
ajfti-3193	24	16	and	and	CCONJ
ajfti-3193	24	17	its	its	PRON
ajfti-3193	24	18	implications	implication	NOUN
ajfti-3193	24	19	.	.	PUNCT
ajfti-3193	25	1	thus	thus	ADV
ajfti-3193	25	2	,	,	PUNCT
ajfti-3193	25	3	financial	financial	ADJ
ajfti-3193	25	4	risks	risk	NOUN
ajfti-3193	25	5	are	be	AUX
ajfti-3193	25	6	critical	critical	ADJ
ajfti-3193	25	7	in	in	ADP
ajfti-3193	25	8	developing	develop	VERB
ajfti-3193	25	9	banks	bank	NOUN
ajfti-3193	25	10	’	’	PART
ajfti-3193	25	11	financing	financing	NOUN
ajfti-3193	25	12	decisions	decision	NOUN
ajfti-3193	25	13	;	;	PUNCT
ajfti-3193	25	14	very	very	ADV
ajfti-3193	25	15	few	few	ADJ
ajfti-3193	25	16	researches	research	NOUN
ajfti-3193	25	17	explore	explore	VERB
ajfti-3193	25	18	this	this	DET
ajfti-3193	25	19	aspect	aspect	NOUN
ajfti-3193	25	20	in	in	ADP
ajfti-3193	25	21	relation	relation	NOUN
ajfti-3193	25	22	to	to	ADP
ajfti-3193	25	23	the	the	DET
ajfti-3193	25	24	saudi	saudi	ADJ
ajfti-3193	25	25	arabian	arabian	ADJ
ajfti-3193	25	26	banking	banking	NOUN
ajfti-3193	25	27	industry	industry	NOUN
ajfti-3193	25	28	(	(	PUNCT
ajfti-3193	25	29	alsahlawi	alsahlawi	VERB
ajfti-3193	25	30	,	,	PUNCT
ajfti-3193	25	31	2021	2021	NUM
ajfti-3193	25	32	;	;	PUNCT
ajfti-3193	25	33	hacini	hacini	VERB
ajfti-3193	25	34	1	1	NUM
ajfti-3193	25	35	northern	northern	ADJ
ajfti-3193	25	36	border	border	NOUN
ajfti-3193	25	37	university	university	NOUN
ajfti-3193	25	38	,	,	PUNCT
ajfti-3193	25	39	college	college	NOUN
ajfti-3193	25	40	of	of	ADP
ajfti-3193	25	41	business	business	PROPN
ajfti-3193	25	42	administration	administration	PROPN
ajfti-3193	25	43	,	,	PUNCT
ajfti-3193	25	44	saudi	saudi	PROPN
ajfti-3193	25	45	arabia	arabia	PROPN
ajfti-3193	25	46	;	;	PUNCT
ajfti-3193	25	47	po	po	PROPN
ajfti-3193	25	48	box	box	PROPN
ajfti-3193	25	49	:	:	PUNCT
ajfti-3193	25	50	1321	1321	NUM
ajfti-3193	25	51	postal	postal	PROPN
ajfti-3193	25	52	code	code	PROPN
ajfti-3193	25	53	:	:	PUNCT
ajfti-3193	25	54	91431	91431	NUM
ajfti-3193	25	55	,	,	PUNCT
ajfti-3193	25	56	arar	arar	PROPN
ajfti-3193	25	57	,	,	PUNCT
ajfti-3193	25	58	saudi	saudi	PROPN
ajfti-3193	25	59	arabia	arabia	PROPN
ajfti-3193	25	60	*	*	PUNCT
ajfti-3193	25	61	corresponding	correspond	VERB
ajfti-3193	25	62	author	author	NOUN
ajfti-3193	25	63	’s	’s	PART
ajfti-3193	25	64	e	e	NOUN
ajfti-3193	25	65	-	-	NOUN
ajfti-3193	25	66	mail	mail	NOUN
ajfti-3193	25	67	:	:	PUNCT
ajfti-3193	25	68	aisha.badawi@nbu.edu.sa	aisha.badawi@nbu.edu.sa	PROPN
ajfti-3193	25	69	pa	pa	PROPN
ajfti-3193	25	70	ge	ge	PROPN
ajfti-3193	25	71	34	34	NUM
ajfti-3193	25	72	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	25	73	am	be	AUX
ajfti-3193	25	74	.	.	PUNCT
ajfti-3193	26	1	j.	j.	PROPN
ajfti-3193	26	2	financ	financ	PROPN
ajfti-3193	26	3	.	.	PUNCT
ajfti-3193	27	1	technol	technol	PROPN
ajfti-3193	27	2	.	.	PUNCT
ajfti-3193	27	3	innov	innov	PROPN
ajfti-3193	27	4	.	.	PUNCT
ajfti-3193	28	1	2(1	2(1	NUM
ajfti-3193	28	2	)	)	PUNCT
ajfti-3193	28	3	33	33	NUM
ajfti-3193	28	4	-	-	SYM
ajfti-3193	28	5	43	43	NUM
ajfti-3193	28	6	,	,	PUNCT
ajfti-3193	28	7	2024	2024	NUM
ajfti-3193	28	8	et	et	NOUN
ajfti-3193	28	9	al	al	PROPN
ajfti-3193	28	10	.	.	PROPN
ajfti-3193	28	11	,	,	PUNCT
ajfti-3193	28	12	2021	2021	NUM
ajfti-3193	28	13	)	)	PUNCT
ajfti-3193	28	14	.	.	PUNCT
ajfti-3193	29	1	therefore	therefore	ADV
ajfti-3193	29	2	,	,	PUNCT
ajfti-3193	29	3	prior	prior	ADJ
ajfti-3193	29	4	research	research	NOUN
ajfti-3193	29	5	has	have	AUX
ajfti-3193	29	6	emphasized	emphasize	VERB
ajfti-3193	29	7	developed	develop	VERB
ajfti-3193	29	8	markets	market	NOUN
ajfti-3193	29	9	more	more	ADJ
ajfti-3193	29	10	,	,	PUNCT
ajfti-3193	29	11	ignoring	ignore	VERB
ajfti-3193	29	12	emerging	emerge	VERB
ajfti-3193	29	13	economies	economy	NOUN
ajfti-3193	29	14	’	'	PUNCT
ajfti-3193	29	15	distinct	distinct	ADJ
ajfti-3193	29	16	economic	economic	ADJ
ajfti-3193	29	17	,	,	PUNCT
ajfti-3193	29	18	regulatory	regulatory	ADJ
ajfti-3193	29	19	,	,	PUNCT
ajfti-3193	29	20	and	and	CCONJ
ajfti-3193	29	21	operational	operational	ADJ
ajfti-3193	29	22	contexts	contexts	NOUN
ajfti-3193	29	23	.	.	PUNCT
ajfti-3193	30	1	according	accord	VERB
ajfti-3193	30	2	to	to	ADP
ajfti-3193	30	3	alali	alali	PROPN
ajfti-3193	30	4	&	&	CCONJ
ajfti-3193	30	5	haddad	haddad	PROPN
ajfti-3193	30	6	(	(	PUNCT
ajfti-3193	30	7	2023	2023	NUM
ajfti-3193	30	8	)	)	PUNCT
ajfti-3193	30	9	,	,	PUNCT
ajfti-3193	30	10	the	the	DET
ajfti-3193	30	11	credit	credit	NOUN
ajfti-3193	30	12	,	,	PUNCT
ajfti-3193	30	13	market	market	NOUN
ajfti-3193	30	14	and	and	CCONJ
ajfti-3193	30	15	operating	operating	NOUN
ajfti-3193	30	16	risks	risk	NOUN
ajfti-3193	30	17	significantly	significantly	ADV
ajfti-3193	30	18	influence	influence	VERB
ajfti-3193	30	19	the	the	DET
ajfti-3193	30	20	strategic	strategic	ADJ
ajfti-3193	30	21	decisions	decision	NOUN
ajfti-3193	30	22	of	of	ADP
ajfti-3193	30	23	banks	bank	NOUN
ajfti-3193	30	24	,	,	PUNCT
ajfti-3193	30	25	although	although	SCONJ
ajfti-3193	30	26	their	their	PRON
ajfti-3193	30	27	findings	finding	NOUN
ajfti-3193	30	28	are	be	AUX
ajfti-3193	30	29	not	not	PART
ajfti-3193	30	30	directly	directly	ADV
ajfti-3193	30	31	applied	apply	VERB
ajfti-3193	30	32	in	in	ADP
ajfti-3193	30	33	the	the	DET
ajfti-3193	30	34	saudi	saudi	ADJ
ajfti-3193	30	35	context	context	NOUN
ajfti-3193	30	36	because	because	SCONJ
ajfti-3193	30	37	of	of	ADP
ajfti-3193	30	38	market	market	NOUN
ajfti-3193	30	39	maturity	maturity	NOUN
ajfti-3193	30	40	,	,	PUNCT
ajfti-3193	30	41	interventional	interventional	ADJ
ajfti-3193	30	42	policy	policy	NOUN
ajfti-3193	30	43	,	,	PUNCT
ajfti-3193	30	44	and	and	CCONJ
ajfti-3193	30	45	risk	risk	NOUN
ajfti-3193	30	46	management	management	NOUN
ajfti-3193	30	47	(	(	PUNCT
ajfti-3193	30	48	alali	alali	PROPN
ajfti-3193	30	49	&	&	CCONJ
ajfti-3193	30	50	haddad	haddad	PROPN
ajfti-3193	30	51	,	,	PUNCT
ajfti-3193	30	52	2023	2023	NUM
ajfti-3193	30	53	)	)	PUNCT
ajfti-3193	30	54	.	.	PUNCT
ajfti-3193	31	1	the	the	DET
ajfti-3193	31	2	development	development	NOUN
ajfti-3193	31	3	of	of	ADP
ajfti-3193	31	4	financing	financing	NOUN
ajfti-3193	31	5	strategies	strategy	NOUN
ajfti-3193	31	6	within	within	ADP
ajfti-3193	31	7	the	the	DET
ajfti-3193	31	8	banking	banking	NOUN
ajfti-3193	31	9	environment	environment	NOUN
ajfti-3193	31	10	is	be	AUX
ajfti-3193	31	11	also	also	ADV
ajfti-3193	31	12	significantly	significantly	ADV
ajfti-3193	31	13	affected	affect	VERB
ajfti-3193	31	14	by	by	ADP
ajfti-3193	31	15	its	its	PRON
ajfti-3193	31	16	economic	economic	ADJ
ajfti-3193	31	17	activities	activity	NOUN
ajfti-3193	31	18	and	and	CCONJ
ajfti-3193	31	19	market	market	NOUN
ajfti-3193	31	20	conditions	condition	NOUN
ajfti-3193	31	21	that	that	PRON
ajfti-3193	31	22	impart	impart	VERB
ajfti-3193	31	23	unique	unique	ADJ
ajfti-3193	31	24	economic	economic	ADJ
ajfti-3193	31	25	and	and	CCONJ
ajfti-3193	31	26	financial	financial	ADJ
ajfti-3193	31	27	risks	risk	NOUN
ajfti-3193	31	28	on	on	ADP
ajfti-3193	31	29	banks	bank	NOUN
ajfti-3193	31	30	’	'	PUNCT
ajfti-3193	31	31	operations	operation	NOUN
ajfti-3193	31	32	compared	compare	VERB
ajfti-3193	31	33	to	to	ADP
ajfti-3193	31	34	a	a	DET
ajfti-3193	31	35	more	more	ADV
ajfti-3193	31	36	developed	developed	ADJ
ajfti-3193	31	37	city	city	NOUN
ajfti-3193	31	38	(	(	PUNCT
ajfti-3193	31	39	youssef	youssef	PROPN
ajfti-3193	31	40	et	et	PROPN
ajfti-3193	31	41	al	al	PROPN
ajfti-3193	31	42	.	.	PROPN
ajfti-3193	31	43	,	,	PUNCT
ajfti-3193	31	44	2021	2021	NUM
ajfti-3193	31	45	)	)	PUNCT
ajfti-3193	31	46	.	.	PUNCT
ajfti-3193	32	1	moreover	moreover	ADV
ajfti-3193	32	2	,	,	PUNCT
ajfti-3193	32	3	identifying	identify	VERB
ajfti-3193	32	4	potential	potential	ADJ
ajfti-3193	32	5	sources	source	NOUN
ajfti-3193	32	6	of	of	ADP
ajfti-3193	32	7	financial	financial	ADJ
ajfti-3193	32	8	risks	risk	NOUN
ajfti-3193	32	9	in	in	ADP
ajfti-3193	32	10	the	the	DET
ajfti-3193	32	11	middle	middle	PROPN
ajfti-3193	32	12	east	east	PROPN
ajfti-3193	32	13	and	and	CCONJ
ajfti-3193	32	14	their	their	PRON
ajfti-3193	32	15	impact	impact	NOUN
ajfti-3193	32	16	on	on	ADP
ajfti-3193	32	17	financing	financing	NOUN
ajfti-3193	32	18	decisions	decision	NOUN
ajfti-3193	32	19	is	be	AUX
ajfti-3193	32	20	critical	critical	ADJ
ajfti-3193	32	21	in	in	ADP
ajfti-3193	32	22	saudi	saudi	PROPN
ajfti-3193	32	23	arabia	arabia	PROPN
ajfti-3193	32	24	’s	’s	PART
ajfti-3193	32	25	vision	vision	NOUN
ajfti-3193	32	26	2030	2030	NUM
ajfti-3193	32	27	goals	goal	NOUN
ajfti-3193	32	28	of	of	ADP
ajfti-3193	32	29	diversifying	diversify	VERB
ajfti-3193	32	30	its	its	PRON
ajfti-3193	32	31	economy	economy	NOUN
ajfti-3193	32	32	and	and	CCONJ
ajfti-3193	32	33	increasing	increase	VERB
ajfti-3193	32	34	the	the	DET
ajfti-3193	32	35	financial	financial	ADJ
ajfti-3193	32	36	sector	sector	NOUN
ajfti-3193	32	37	’s	’s	PART
ajfti-3193	32	38	sustainability	sustainability	NOUN
ajfti-3193	32	39	.	.	PUNCT
ajfti-3193	33	1	therefore	therefore	ADV
ajfti-3193	33	2	,	,	PUNCT
ajfti-3193	33	3	it	it	PRON
ajfti-3193	33	4	is	be	AUX
ajfti-3193	33	5	important	important	ADJ
ajfti-3193	33	6	to	to	PART
ajfti-3193	33	7	fill	fill	VERB
ajfti-3193	33	8	the	the	DET
ajfti-3193	33	9	gap	gap	NOUN
ajfti-3193	33	10	in	in	ADP
ajfti-3193	33	11	the	the	DET
ajfti-3193	33	12	existing	exist	VERB
ajfti-3193	33	13	literature	literature	NOUN
ajfti-3193	33	14	by	by	ADP
ajfti-3193	33	15	investigating	investigate	VERB
ajfti-3193	33	16	the	the	DET
ajfti-3193	33	17	influence	influence	NOUN
ajfti-3193	33	18	of	of	ADP
ajfti-3193	33	19	financial	financial	ADJ
ajfti-3193	33	20	risks	risk	NOUN
ajfti-3193	33	21	on	on	ADP
ajfti-3193	33	22	the	the	DET
ajfti-3193	33	23	economic	economic	ADJ
ajfti-3193	33	24	performance	performance	NOUN
ajfti-3193	33	25	of	of	ADP
ajfti-3193	33	26	commercial	commercial	ADJ
ajfti-3193	33	27	banks	bank	NOUN
ajfti-3193	33	28	operating	operate	VERB
ajfti-3193	33	29	in	in	ADP
ajfti-3193	33	30	arar	arar	PROPN
ajfti-3193	33	31	.	.	PUNCT
ajfti-3193	34	1	thus	thus	ADV
ajfti-3193	34	2	,	,	PUNCT
ajfti-3193	34	3	this	this	DET
ajfti-3193	34	4	study	study	NOUN
ajfti-3193	34	5	aimed	aim	VERB
ajfti-3193	34	6	to	to	PART
ajfti-3193	34	7	contribute	contribute	VERB
ajfti-3193	34	8	to	to	ADP
ajfti-3193	34	9	the	the	DET
ajfti-3193	34	10	body	body	NOUN
ajfti-3193	34	11	of	of	ADP
ajfti-3193	34	12	knowledge	knowledge	NOUN
ajfti-3193	34	13	that	that	PRON
ajfti-3193	34	14	is	be	AUX
ajfti-3193	34	15	critical	critical	ADJ
ajfti-3193	34	16	in	in	ADP
ajfti-3193	34	17	improving	improve	VERB
ajfti-3193	34	18	risk	risk	NOUN
ajfti-3193	34	19	management	management	NOUN
ajfti-3193	34	20	practices	practice	NOUN
ajfti-3193	34	21	and	and	CCONJ
ajfti-3193	34	22	achieving	achieve	VERB
ajfti-3193	34	23	strategic	strategic	ADJ
ajfti-3193	34	24	banks	bank	NOUN
ajfti-3193	34	25	’	'	PUNCT
ajfti-3193	34	26	goals	goal	NOUN
ajfti-3193	34	27	in	in	ADP
ajfti-3193	34	28	similar	similar	ADJ
ajfti-3193	34	29	regional	regional	ADJ
ajfti-3193	34	30	contexts	context	NOUN
ajfti-3193	34	31	by	by	ADP
ajfti-3193	34	32	exploring	explore	VERB
ajfti-3193	34	33	the	the	DET
ajfti-3193	34	34	relationship	relationship	NOUN
ajfti-3193	34	35	of	of	ADP
ajfti-3193	34	36	financial	financial	ADJ
ajfti-3193	34	37	risk	risk	NOUN
ajfti-3193	34	38	to	to	ADP
ajfti-3193	34	39	financial	financial	ADJ
ajfti-3193	34	40	decisions	decision	NOUN
ajfti-3193	34	41	.	.	PUNCT
ajfti-3193	35	1	theoretical	theoretical	ADJ
ajfti-3193	35	2	framework	framework	NOUN
ajfti-3193	35	3	the	the	DET
ajfti-3193	35	4	following	follow	VERB
ajfti-3193	35	5	risk	risk	NOUN
ajfti-3193	35	6	management	management	NOUN
ajfti-3193	35	7	theories	theory	NOUN
ajfti-3193	35	8	in	in	ADP
ajfti-3193	35	9	banking	banking	NOUN
ajfti-3193	35	10	contain	contain	VERB
ajfti-3193	35	11	conceptual	conceptual	ADJ
ajfti-3193	35	12	frameworks	framework	NOUN
ajfti-3193	35	13	and	and	CCONJ
ajfti-3193	35	14	approaches	approach	NOUN
ajfti-3193	35	15	to	to	ADP
ajfti-3193	35	16	identifying	identify	VERB
ajfti-3193	35	17	,	,	PUNCT
ajfti-3193	35	18	measuring	measuring	NOUN
ajfti-3193	35	19	,	,	PUNCT
ajfti-3193	35	20	monitoring	monitoring	NOUN
ajfti-3193	35	21	,	,	PUNCT
ajfti-3193	35	22	and	and	CCONJ
ajfti-3193	35	23	minimizing	minimize	VERB
ajfti-3193	35	24	various	various	ADJ
ajfti-3193	35	25	risks	risk	NOUN
ajfti-3193	35	26	associated	associate	VERB
ajfti-3193	35	27	with	with	ADP
ajfti-3193	35	28	banking	banking	NOUN
ajfti-3193	35	29	institutions	institution	NOUN
ajfti-3193	35	30	.	.	PUNCT
ajfti-3193	36	1	modern	modern	ADJ
ajfti-3193	36	2	portfolio	portfolio	NOUN
ajfti-3193	36	3	theory	theory	NOUN
ajfti-3193	36	4	the	the	DET
ajfti-3193	36	5	markowitz	markowitz	PROPN
ajfti-3193	36	6	theory	theory	PROPN
ajfti-3193	36	7	,	,	PUNCT
ajfti-3193	36	8	also	also	ADV
ajfti-3193	36	9	known	know	VERB
ajfti-3193	36	10	as	as	ADP
ajfti-3193	36	11	the	the	DET
ajfti-3193	36	12	modern	modern	ADJ
ajfti-3193	36	13	portfolio	portfolio	NOUN
ajfti-3193	36	14	theory	theory	NOUN
ajfti-3193	36	15	(	(	PUNCT
ajfti-3193	36	16	mpt	mpt	PROPN
ajfti-3193	36	17	)	)	PUNCT
ajfti-3193	36	18	,	,	PUNCT
ajfti-3193	36	19	is	be	AUX
ajfti-3193	36	20	a	a	DET
ajfti-3193	36	21	breakthrough	breakthrough	NOUN
ajfti-3193	36	22	in	in	ADP
ajfti-3193	36	23	investment	investment	NOUN
ajfti-3193	36	24	theory	theory	NOUN
ajfti-3193	36	25	as	as	SCONJ
ajfti-3193	36	26	it	it	PRON
ajfti-3193	36	27	systematically	systematically	ADV
ajfti-3193	36	28	addresses	address	VERB
ajfti-3193	36	29	the	the	DET
ajfti-3193	36	30	issues	issue	NOUN
ajfti-3193	36	31	of	of	ADP
ajfti-3193	36	32	portfolio	portfolio	NOUN
ajfti-3193	36	33	management	management	NOUN
ajfti-3193	36	34	and	and	CCONJ
ajfti-3193	36	35	investment	investment	NOUN
ajfti-3193	36	36	risk	risk	NOUN
ajfti-3193	36	37	(	(	PUNCT
ajfti-3193	36	38	menjeri	menjeri	NOUN
ajfti-3193	36	39	,	,	PUNCT
ajfti-3193	36	40	2018	2018	NUM
ajfti-3193	36	41	)	)	PUNCT
ajfti-3193	36	42	.	.	PUNCT
ajfti-3193	37	1	the	the	DET
ajfti-3193	37	2	key	key	ADJ
ajfti-3193	37	3	principle	principle	NOUN
ajfti-3193	37	4	of	of	ADP
ajfti-3193	37	5	mpt	mpt	NOUN
ajfti-3193	37	6	is	be	AUX
ajfti-3193	37	7	to	to	PART
ajfti-3193	37	8	diversify	diversify	VERB
ajfti-3193	37	9	the	the	DET
ajfti-3193	37	10	portfolio	portfolio	NOUN
ajfti-3193	37	11	and	and	CCONJ
ajfti-3193	37	12	optimize	optimize	VERB
ajfti-3193	37	13	its	its	PRON
ajfti-3193	37	14	risk	risk	NOUN
ajfti-3193	37	15	-	-	PUNCT
ajfti-3193	37	16	adjusted	adjust	VERB
ajfti-3193	37	17	returns	return	NOUN
ajfti-3193	37	18	.	.	PUNCT
ajfti-3193	38	1	it	it	PRON
ajfti-3193	38	2	states	state	VERB
ajfti-3193	38	3	that	that	SCONJ
ajfti-3193	38	4	investors	investor	NOUN
ajfti-3193	38	5	look	look	VERB
ajfti-3193	38	6	at	at	ADP
ajfti-3193	38	7	the	the	DET
ajfti-3193	38	8	expected	expect	VERB
ajfti-3193	38	9	returns	return	NOUN
ajfti-3193	38	10	of	of	ADP
ajfti-3193	38	11	individual	individual	ADJ
ajfti-3193	38	12	assets	asset	NOUN
ajfti-3193	38	13	and	and	CCONJ
ajfti-3193	38	14	are	be	AUX
ajfti-3193	38	15	concerned	concerned	ADJ
ajfti-3193	38	16	about	about	ADP
ajfti-3193	38	17	the	the	DET
ajfti-3193	38	18	risk	risk	NOUN
ajfti-3193	38	19	of	of	ADP
ajfti-3193	38	20	correlation	correlation	NOUN
ajfti-3193	38	21	and	and	CCONJ
ajfti-3193	38	22	variance	variance	NOUN
ajfti-3193	38	23	in	in	ADP
ajfti-3193	38	24	the	the	DET
ajfti-3193	38	25	portfolio	portfolio	NOUN
ajfti-3193	38	26	’s	’s	PART
ajfti-3193	38	27	composition	composition	NOUN
ajfti-3193	38	28	.	.	PUNCT
ajfti-3193	39	1	this	this	PRON
ajfti-3193	39	2	forms	form	VERB
ajfti-3193	39	3	the	the	DET
ajfti-3193	39	4	basis	basis	NOUN
ajfti-3193	39	5	of	of	ADP
ajfti-3193	39	6	having	have	VERB
ajfti-3193	39	7	high	high	ADJ
ajfti-3193	39	8	correlation	correlation	NOUN
ajfti-3193	39	9	and	and	CCONJ
ajfti-3193	39	10	diversification	diversification	NOUN
ajfti-3193	39	11	returns	return	NOUN
ajfti-3193	39	12	that	that	PRON
ajfti-3193	39	13	are	be	AUX
ajfti-3193	39	14	achieved	achieve	VERB
ajfti-3193	39	15	by	by	ADP
ajfti-3193	39	16	holding	hold	VERB
ajfti-3193	39	17	assets	asset	NOUN
ajfti-3193	39	18	whose	whose	DET
ajfti-3193	39	19	returns	return	NOUN
ajfti-3193	39	20	are	be	AUX
ajfti-3193	39	21	low	low	ADJ
ajfti-3193	39	22	or	or	CCONJ
ajfti-3193	39	23	negatively	negatively	ADV
ajfti-3193	39	24	correlated	correlate	VERB
ajfti-3193	39	25	whilst	whilst	SCONJ
ajfti-3193	39	26	allowing	allow	VERB
ajfti-3193	39	27	investors	investor	NOUN
ajfti-3193	39	28	to	to	PART
ajfti-3193	39	29	earn	earn	VERB
ajfti-3193	39	30	the	the	DET
ajfti-3193	39	31	same	same	ADJ
ajfti-3193	39	32	level	level	NOUN
ajfti-3193	39	33	of	of	ADP
ajfti-3193	39	34	return	return	NOUN
ajfti-3193	39	35	at	at	ADP
ajfti-3193	39	36	a	a	DET
ajfti-3193	39	37	lower	low	ADJ
ajfti-3193	39	38	level	level	NOUN
ajfti-3193	39	39	of	of	ADP
ajfti-3193	39	40	risk	risk	NOUN
ajfti-3193	39	41	or	or	CCONJ
ajfti-3193	39	42	produce	produce	VERB
ajfti-3193	39	43	a	a	DET
ajfti-3193	39	44	lower	low	ADJ
ajfti-3193	39	45	level	level	NOUN
ajfti-3193	39	46	of	of	ADP
ajfti-3193	39	47	return	return	NOUN
ajfti-3193	39	48	at	at	ADP
ajfti-3193	39	49	an	an	DET
ajfti-3193	39	50	equivalent	equivalent	ADJ
ajfti-3193	39	51	level	level	NOUN
ajfti-3193	39	52	of	of	ADP
ajfti-3193	39	53	risk	risk	NOUN
ajfti-3193	39	54	(	(	PUNCT
ajfti-3193	39	55	de	de	X
ajfti-3193	39	56	jong	jong	PROPN
ajfti-3193	39	57	,	,	PUNCT
ajfti-3193	39	58	2018	2018	NUM
ajfti-3193	39	59	)	)	PUNCT
ajfti-3193	39	60	.	.	PUNCT
ajfti-3193	40	1	mpt	mpt	PROPN
ajfti-3193	40	2	incorporated	incorporate	VERB
ajfti-3193	40	3	the	the	DET
ajfti-3193	40	4	notion	notion	NOUN
ajfti-3193	40	5	of	of	ADP
ajfti-3193	40	6	the	the	DET
ajfti-3193	40	7	efficient	efficient	ADJ
ajfti-3193	40	8	frontier	frontier	NOUN
ajfti-3193	40	9	,	,	PUNCT
ajfti-3193	40	10	which	which	PRON
ajfti-3193	40	11	illustrates	illustrate	VERB
ajfti-3193	40	12	the	the	DET
ajfti-3193	40	13	set	set	NOUN
ajfti-3193	40	14	of	of	ADP
ajfti-3193	40	15	portfolios	portfolio	NOUN
ajfti-3193	40	16	that	that	PRON
ajfti-3193	40	17	provide	provide	VERB
ajfti-3193	40	18	the	the	DET
ajfti-3193	40	19	highest	high	ADJ
ajfti-3193	40	20	expected	expect	VERB
ajfti-3193	40	21	returns	return	NOUN
ajfti-3193	40	22	for	for	ADP
ajfti-3193	40	23	a	a	DET
ajfti-3193	40	24	specific	specific	ADJ
ajfti-3193	40	25	amount	amount	NOUN
ajfti-3193	40	26	of	of	ADP
ajfti-3193	40	27	risk	risk	NOUN
ajfti-3193	40	28	or	or	CCONJ
ajfti-3193	40	29	the	the	DET
ajfti-3193	40	30	lowest	low	ADJ
ajfti-3193	40	31	risk	risk	NOUN
ajfti-3193	40	32	for	for	ADP
ajfti-3193	40	33	a	a	DET
ajfti-3193	40	34	particular	particular	ADJ
ajfti-3193	40	35	amount	amount	NOUN
ajfti-3193	40	36	of	of	ADP
ajfti-3193	40	37	returns	return	NOUN
ajfti-3193	40	38	.	.	PUNCT
ajfti-3193	41	1	an	an	DET
ajfti-3193	41	2	efficient	efficient	ADJ
ajfti-3193	41	3	portfolio	portfolio	NOUN
ajfti-3193	41	4	on	on	ADP
ajfti-3193	41	5	the	the	DET
ajfti-3193	41	6	efficient	efficient	ADJ
ajfti-3193	41	7	frontier	frontier	NOUN
ajfti-3193	41	8	offers	offer	VERB
ajfti-3193	41	9	the	the	DET
ajfti-3193	41	10	best	good	ADJ
ajfti-3193	41	11	risk	risk	NOUN
ajfti-3193	41	12	/	/	SYM
ajfti-3193	41	13	return	return	NOUN
ajfti-3193	41	14	combination	combination	NOUN
ajfti-3193	41	15	(	(	PUNCT
ajfti-3193	41	16	roychoudhury	roychoudhury	NOUN
ajfti-3193	41	17	,	,	PUNCT
ajfti-3193	41	18	2018	2018	NUM
ajfti-3193	41	19	)	)	PUNCT
ajfti-3193	41	20	.	.	PUNCT
ajfti-3193	42	1	mpt	mpt	PROPN
ajfti-3193	42	2	also	also	ADV
ajfti-3193	42	3	added	add	VERB
ajfti-3193	42	4	the	the	DET
ajfti-3193	42	5	concept	concept	NOUN
ajfti-3193	42	6	of	of	ADP
ajfti-3193	42	7	the	the	DET
ajfti-3193	42	8	capital	capital	NOUN
ajfti-3193	42	9	market	market	NOUN
ajfti-3193	42	10	line	line	NOUN
ajfti-3193	42	11	(	(	PUNCT
ajfti-3193	42	12	cml	cml	PROPN
ajfti-3193	42	13	)	)	PUNCT
ajfti-3193	42	14	,	,	PUNCT
ajfti-3193	42	15	which	which	PRON
ajfti-3193	42	16	illustrates	illustrate	VERB
ajfti-3193	42	17	efficient	efficient	ADJ
ajfti-3193	42	18	portfolios	portfolio	NOUN
ajfti-3193	42	19	and	and	CCONJ
ajfti-3193	42	20	the	the	DET
ajfti-3193	42	21	relationship	relationship	NOUN
ajfti-3193	42	22	between	between	ADP
ajfti-3193	42	23	risk	risk	NOUN
ajfti-3193	42	24	and	and	CCONJ
ajfti-3193	42	25	return	return	NOUN
ajfti-3193	42	26	.	.	PUNCT
ajfti-3193	43	1	the	the	DET
ajfti-3193	43	2	slope	slope	NOUN
ajfti-3193	43	3	of	of	ADP
ajfti-3193	43	4	the	the	DET
ajfti-3193	43	5	cml	cml	PROPN
ajfti-3193	43	6	varies	vary	VERB
ajfti-3193	43	7	with	with	ADP
ajfti-3193	43	8	the	the	DET
ajfti-3193	43	9	market	market	NOUN
ajfti-3193	43	10	risk	risk	NOUN
ajfti-3193	43	11	premium	premium	NOUN
ajfti-3193	43	12	,	,	PUNCT
ajfti-3193	43	13	which	which	PRON
ajfti-3193	43	14	represents	represent	VERB
ajfti-3193	43	15	the	the	DET
ajfti-3193	43	16	extra	extra	ADJ
ajfti-3193	43	17	return	return	NOUN
ajfti-3193	43	18	that	that	PRON
ajfti-3193	43	19	investors	investor	NOUN
ajfti-3193	43	20	require	require	VERB
ajfti-3193	43	21	for	for	ADP
ajfti-3193	43	22	holding	hold	VERB
ajfti-3193	43	23	to	to	ADP
ajfti-3193	43	24	systematic	systematic	ADJ
ajfti-3193	43	25	risk	risk	NOUN
ajfti-3193	43	26	(	(	PUNCT
ajfti-3193	43	27	chang	chang	PROPN
ajfti-3193	43	28	et	et	PROPN
ajfti-3193	43	29	al	al	PROPN
ajfti-3193	43	30	.	.	PROPN
ajfti-3193	43	31	,	,	PUNCT
ajfti-3193	43	32	2020	2020	NUM
ajfti-3193	43	33	)	)	PUNCT
ajfti-3193	43	34	.	.	PUNCT
ajfti-3193	44	1	mpt	mpt	PROPN
ajfti-3193	44	2	has	have	AUX
ajfti-3193	44	3	revolutionized	revolutionize	VERB
ajfti-3193	44	4	investment	investment	NOUN
ajfti-3193	44	5	management	management	NOUN
ajfti-3193	44	6	,	,	PUNCT
ajfti-3193	44	7	and	and	CCONJ
ajfti-3193	44	8	investors	investor	NOUN
ajfti-3193	44	9	and	and	CCONJ
ajfti-3193	44	10	financial	financial	ADJ
ajfti-3193	44	11	institutions	institution	NOUN
ajfti-3193	44	12	have	have	AUX
ajfti-3193	44	13	used	use	VERB
ajfti-3193	44	14	its	its	PRON
ajfti-3193	44	15	four	four	NUM
ajfti-3193	44	16	components	component	NOUN
ajfti-3193	44	17	to	to	PART
ajfti-3193	44	18	help	help	VERB
ajfti-3193	44	19	them	they	PRON
ajfti-3193	44	20	build	build	VERB
ajfti-3193	44	21	their	their	PRON
ajfti-3193	44	22	portfolios	portfolio	NOUN
ajfti-3193	44	23	,	,	PUNCT
ajfti-3193	44	24	determine	determine	VERB
ajfti-3193	44	25	asset	asset	NOUN
ajfti-3193	44	26	allocations	allocation	NOUN
ajfti-3193	44	27	,	,	PUNCT
ajfti-3193	44	28	and	and	CCONJ
ajfti-3193	44	29	measure	measure	NOUN
ajfti-3193	44	30	and	and	CCONJ
ajfti-3193	44	31	manage	manage	VERB
ajfti-3193	44	32	risk	risk	NOUN
ajfti-3193	44	33	.	.	PUNCT
ajfti-3193	45	1	the	the	DET
ajfti-3193	45	2	mpt	mpt	NOUN
ajfti-3193	45	3	enables	enable	VERB
ajfti-3193	45	4	investors	investor	NOUN
ajfti-3193	45	5	to	to	PART
ajfti-3193	45	6	construct	construct	VERB
ajfti-3193	45	7	adequately	adequately	ADV
ajfti-3193	45	8	diversified	diversify	VERB
ajfti-3193	45	9	portfolios	portfolio	NOUN
ajfti-3193	45	10	based	base	VERB
ajfti-3193	45	11	on	on	ADP
ajfti-3193	45	12	risk	risk	NOUN
ajfti-3193	45	13	tolerance	tolerance	NOUN
ajfti-3193	45	14	and	and	CCONJ
ajfti-3193	45	15	investment	investment	NOUN
ajfti-3193	45	16	goals	goal	NOUN
ajfti-3193	45	17	to	to	PART
ajfti-3193	45	18	increase	increase	VERB
ajfti-3193	45	19	long	long	ADJ
ajfti-3193	45	20	-	-	PUNCT
ajfti-3193	45	21	term	term	NOUN
ajfti-3193	45	22	returns	return	NOUN
ajfti-3193	45	23	(	(	PUNCT
ajfti-3193	45	24	shanmuganathan	shanmuganathan	INTJ
ajfti-3193	45	25	,	,	PUNCT
ajfti-3193	45	26	2020	2020	NUM
ajfti-3193	45	27	)	)	PUNCT
ajfti-3193	45	28	.	.	PUNCT
ajfti-3193	46	1	capital	capital	NOUN
ajfti-3193	46	2	asset	asset	NOUN
ajfti-3193	46	3	pricing	pricing	NOUN
ajfti-3193	46	4	model	model	NOUN
ajfti-3193	46	5	(	(	PUNCT
ajfti-3193	46	6	capm	capm	PROPN
ajfti-3193	46	7	)	)	PUNCT
ajfti-3193	46	8	the	the	DET
ajfti-3193	46	9	capital	capital	NOUN
ajfti-3193	46	10	asset	asset	NOUN
ajfti-3193	46	11	pricing	pricing	NOUN
ajfti-3193	46	12	model	model	NOUN
ajfti-3193	46	13	or	or	CCONJ
ajfti-3193	46	14	capm	capm	PROPN
ajfti-3193	46	15	is	be	AUX
ajfti-3193	46	16	one	one	NUM
ajfti-3193	46	17	of	of	ADP
ajfti-3193	46	18	the	the	DET
ajfti-3193	46	19	main	main	ADJ
ajfti-3193	46	20	theories	theory	NOUN
ajfti-3193	46	21	in	in	ADP
ajfti-3193	46	22	finance	finance	NOUN
ajfti-3193	46	23	that	that	PRON
ajfti-3193	46	24	helps	help	VERB
ajfti-3193	46	25	to	to	PART
ajfti-3193	46	26	understand	understand	VERB
ajfti-3193	46	27	the	the	DET
ajfti-3193	46	28	nature	nature	NOUN
ajfti-3193	46	29	of	of	ADP
ajfti-3193	46	30	the	the	DET
ajfti-3193	46	31	correlation	correlation	NOUN
ajfti-3193	46	32	between	between	ADP
ajfti-3193	46	33	the	the	DET
ajfti-3193	46	34	risk	risk	NOUN
ajfti-3193	46	35	level	level	NOUN
ajfti-3193	46	36	and	and	CCONJ
ajfti-3193	46	37	the	the	DET
ajfti-3193	46	38	expected	expect	VERB
ajfti-3193	46	39	rate	rate	NOUN
ajfti-3193	46	40	of	of	ADP
ajfti-3193	46	41	return	return	NOUN
ajfti-3193	46	42	in	in	ADP
ajfti-3193	46	43	financial	financial	ADJ
ajfti-3193	46	44	markets	market	NOUN
ajfti-3193	46	45	(	(	PUNCT
ajfti-3193	46	46	vergarafernández	vergarafernández	NOUN
ajfti-3193	46	47	et	et	PROPN
ajfti-3193	46	48	al	al	PROPN
ajfti-3193	46	49	.	.	PROPN
ajfti-3193	46	50	,	,	PUNCT
ajfti-3193	46	51	2023	2023	NUM
ajfti-3193	46	52	)	)	PUNCT
ajfti-3193	46	53	.	.	PUNCT
ajfti-3193	47	1	capm	capm	PROPN
ajfti-3193	47	2	was	be	AUX
ajfti-3193	47	3	proposed	propose	VERB
ajfti-3193	47	4	in	in	ADP
ajfti-3193	47	5	1964	1964	NUM
ajfti-3193	47	6	by	by	ADP
ajfti-3193	47	7	william	william	PROPN
ajfti-3193	47	8	sharpe	sharpe	PROPN
ajfti-3193	47	9	,	,	PUNCT
ajfti-3193	47	10	john	john	PROPN
ajfti-3193	47	11	linter	linter	PROPN
ajfti-3193	47	12	and	and	CCONJ
ajfti-3193	47	13	jack	jack	PROPN
ajfti-3193	47	14	treynor	treynor	PROPN
ajfti-3193	47	15	.	.	PUNCT
ajfti-3193	48	1	capm	capm	PROPN
ajfti-3193	48	2	postulates	postulate	VERB
ajfti-3193	48	3	that	that	SCONJ
ajfti-3193	48	4	the	the	DET
ajfti-3193	48	5	expected	expect	VERB
ajfti-3193	48	6	return	return	NOUN
ajfti-3193	48	7	on	on	ADP
ajfti-3193	48	8	an	an	DET
ajfti-3193	48	9	investment	investment	NOUN
ajfti-3193	48	10	asset	asset	NOUN
ajfti-3193	48	11	should	should	AUX
ajfti-3193	48	12	be	be	AUX
ajfti-3193	48	13	positively	positively	ADV
ajfti-3193	48	14	related	relate	VERB
ajfti-3193	48	15	to	to	ADP
ajfti-3193	48	16	systematic	systematic	ADJ
ajfti-3193	48	17	risk	risk	NOUN
ajfti-3193	48	18	measured	measure	VERB
ajfti-3193	48	19	as	as	ADP
ajfti-3193	48	20	a	a	DET
ajfti-3193	48	21	beta	beta	NOUN
ajfti-3193	48	22	.	.	PUNCT
ajfti-3193	49	1	the	the	DET
ajfti-3193	49	2	model	model	NOUN
ajfti-3193	49	3	assumes	assume	VERB
ajfti-3193	49	4	that	that	SCONJ
ajfti-3193	49	5	investors	investor	NOUN
ajfti-3193	49	6	demand	demand	VERB
ajfti-3193	49	7	a	a	DET
ajfti-3193	49	8	risk	risk	NOUN
ajfti-3193	49	9	premium	premium	NOUN
ajfti-3193	49	10	for	for	ADP
ajfti-3193	49	11	bearing	bear	VERB
ajfti-3193	49	12	systematic	systematic	ADJ
ajfti-3193	49	13	risk	risk	NOUN
ajfti-3193	49	14	over	over	ADP
ajfti-3193	49	15	the	the	DET
ajfti-3193	49	16	riskfree	riskfree	NOUN
ajfti-3193	49	17	level	level	NOUN
ajfti-3193	49	18	(	(	PUNCT
ajfti-3193	49	19	mansuri	mansuri	PROPN
ajfti-3193	49	20	&	&	CCONJ
ajfti-3193	49	21	shah	shah	PROPN
ajfti-3193	49	22	,	,	PUNCT
ajfti-3193	49	23	2022	2022	NUM
ajfti-3193	49	24	)	)	PUNCT
ajfti-3193	49	25	.	.	PUNCT
ajfti-3193	50	1	the	the	DET
ajfti-3193	50	2	capm	capm	PROPN
ajfti-3193	50	3	model	model	NOUN
ajfti-3193	50	4	describes	describe	VERB
ajfti-3193	50	5	the	the	DET
ajfti-3193	50	6	risk	risk	NOUN
ajfti-3193	50	7	premium	premium	NOUN
ajfti-3193	50	8	model	model	NOUN
ajfti-3193	50	9	,	,	PUNCT
ajfti-3193	50	10	which	which	PRON
ajfti-3193	50	11	suggests	suggest	VERB
ajfti-3193	50	12	that	that	SCONJ
ajfti-3193	50	13	the	the	DET
ajfti-3193	50	14	expected	expect	VERB
ajfti-3193	50	15	return	return	NOUN
ajfti-3193	50	16	on	on	ADP
ajfti-3193	50	17	an	an	DET
ajfti-3193	50	18	asset	asset	NOUN
ajfti-3193	50	19	equals	equal	VERB
ajfti-3193	50	20	the	the	DET
ajfti-3193	50	21	risk	risk	NOUN
ajfti-3193	50	22	-	-	PUNCT
ajfti-3193	50	23	free	free	ADJ
ajfti-3193	50	24	rate	rate	NOUN
ajfti-3193	50	25	plus	plus	CCONJ
ajfti-3193	50	26	beta	beta	NOUN
ajfti-3193	50	27	times	time	NOUN
ajfti-3193	50	28	the	the	DET
ajfti-3193	50	29	overall	overall	ADJ
ajfti-3193	50	30	market	market	NOUN
ajfti-3193	50	31	risk	risk	NOUN
ajfti-3193	50	32	premium	premium	NOUN
ajfti-3193	50	33	(	(	PUNCT
ajfti-3193	50	34	zhang	zhang	PROPN
ajfti-3193	50	35	,	,	PUNCT
ajfti-3193	50	36	2023	2023	NUM
ajfti-3193	50	37	)	)	PUNCT
ajfti-3193	50	38	.	.	PUNCT
ajfti-3193	51	1	however	however	ADV
ajfti-3193	51	2	,	,	PUNCT
ajfti-3193	51	3	capm	capm	PROPN
ajfti-3193	51	4	is	be	AUX
ajfti-3193	51	5	a	a	DET
ajfti-3193	51	6	simple	simple	ADJ
ajfti-3193	51	7	model	model	NOUN
ajfti-3193	51	8	with	with	ADP
ajfti-3193	51	9	wide	wide	ADJ
ajfti-3193	51	10	application	application	NOUN
ajfti-3193	51	11	that	that	PRON
ajfti-3193	51	12	has	have	AUX
ajfti-3193	51	13	been	be	AUX
ajfti-3193	51	14	criticized	criticize	VERB
ajfti-3193	51	15	for	for	ADP
ajfti-3193	51	16	its	its	PRON
ajfti-3193	51	17	assumptions	assumption	NOUN
ajfti-3193	51	18	and	and	CCONJ
ajfti-3193	51	19	limitations	limitation	NOUN
ajfti-3193	51	20	,	,	PUNCT
ajfti-3193	51	21	such	such	ADJ
ajfti-3193	51	22	as	as	ADP
ajfti-3193	51	23	a	a	DET
ajfti-3193	51	24	risk	risk	NOUN
ajfti-3193	51	25	-	-	PUNCT
ajfti-3193	51	26	free	free	ADJ
ajfti-3193	51	27	rate	rate	NOUN
ajfti-3193	51	28	and	and	CCONJ
ajfti-3193	51	29	a	a	DET
ajfti-3193	51	30	perfectly	perfectly	ADV
ajfti-3193	51	31	efficient	efficient	ADJ
ajfti-3193	51	32	market	market	NOUN
ajfti-3193	51	33	(	(	PUNCT
ajfti-3193	51	34	o’sullivan	o’sullivan	NOUN
ajfti-3193	51	35	,	,	PUNCT
ajfti-3193	51	36	2018	2018	NUM
ajfti-3193	51	37	)	)	PUNCT
ajfti-3193	51	38	.	.	PUNCT
ajfti-3193	52	1	furthermore	furthermore	ADV
ajfti-3193	52	2	,	,	PUNCT
ajfti-3193	52	3	capm	capm	PROPN
ajfti-3193	52	4	is	be	AUX
ajfti-3193	52	5	a	a	DET
ajfti-3193	52	6	central	central	ADJ
ajfti-3193	52	7	theoretical	theoretical	ADJ
ajfti-3193	52	8	tool	tool	NOUN
ajfti-3193	52	9	in	in	ADP
ajfti-3193	52	10	the	the	DET
ajfti-3193	52	11	field	field	NOUN
ajfti-3193	52	12	of	of	ADP
ajfti-3193	52	13	finance	finance	NOUN
ajfti-3193	52	14	that	that	PRON
ajfti-3193	52	15	helps	help	VERB
ajfti-3193	52	16	determine	determine	VERB
ajfti-3193	52	17	optimal	optimal	ADJ
ajfti-3193	52	18	investments	investment	NOUN
ajfti-3193	52	19	and	and	CCONJ
ajfti-3193	52	20	value	value	NOUN
ajfti-3193	52	21	assets	asset	NOUN
ajfti-3193	52	22	and	and	CCONJ
ajfti-3193	52	23	conduct	conduct	VERB
ajfti-3193	52	24	research	research	NOUN
ajfti-3193	52	25	on	on	ADP
ajfti-3193	52	26	portfolio	portfolio	NOUN
ajfti-3193	52	27	selection	selection	NOUN
ajfti-3193	52	28	and	and	CCONJ
ajfti-3193	52	29	risk	risk	NOUN
ajfti-3193	52	30	management	management	NOUN
ajfti-3193	52	31	(	(	PUNCT
ajfti-3193	52	32	dhankar	dhankar	NOUN
ajfti-3193	52	33	,	,	PUNCT
ajfti-3193	52	34	2019	2019	NUM
ajfti-3193	52	35	)	)	PUNCT
ajfti-3193	52	36	.	.	PUNCT
ajfti-3193	53	1	value	value	NOUN
ajfti-3193	53	2	at	at	ADP
ajfti-3193	53	3	risk	risk	NOUN
ajfti-3193	53	4	(	(	PUNCT
ajfti-3193	53	5	var	var	NOUN
ajfti-3193	53	6	)	)	PUNCT
ajfti-3193	53	7	value	value	NOUN
ajfti-3193	53	8	at	at	ADP
ajfti-3193	53	9	risk	risk	NOUN
ajfti-3193	53	10	(	(	PUNCT
ajfti-3193	53	11	var	var	NOUN
ajfti-3193	53	12	)	)	PUNCT
ajfti-3193	53	13	is	be	AUX
ajfti-3193	53	14	a	a	DET
ajfti-3193	53	15	popular	popular	ADJ
ajfti-3193	53	16	quantitative	quantitative	ADJ
ajfti-3193	53	17	risk	risk	NOUN
ajfti-3193	53	18	measure	measure	NOUN
ajfti-3193	53	19	and	and	CCONJ
ajfti-3193	53	20	a	a	DET
ajfti-3193	53	21	practical	practical	ADJ
ajfti-3193	53	22	tool	tool	NOUN
ajfti-3193	53	23	for	for	ADP
ajfti-3193	53	24	estimating	estimate	VERB
ajfti-3193	53	25	the	the	DET
ajfti-3193	53	26	loss	loss	NOUN
ajfti-3193	53	27	exposure	exposure	NOUN
ajfti-3193	53	28	of	of	ADP
ajfti-3193	53	29	a	a	DET
ajfti-3193	53	30	portfolio	portfolio	NOUN
ajfti-3193	53	31	or	or	CCONJ
ajfti-3193	53	32	an	an	DET
ajfti-3193	53	33	investment	investment	NOUN
ajfti-3193	53	34	based	base	VERB
ajfti-3193	53	35	on	on	ADP
ajfti-3193	53	36	a	a	DET
ajfti-3193	53	37	specified	specify	VERB
ajfti-3193	53	38	time	time	NOUN
ajfti-3193	53	39	horizon	horizon	NOUN
ajfti-3193	53	40	at	at	ADP
ajfti-3193	53	41	a	a	DET
ajfti-3193	53	42	desired	desire	VERB
ajfti-3193	53	43	level	level	NOUN
ajfti-3193	53	44	of	of	ADP
ajfti-3193	53	45	confidence	confidence	NOUN
ajfti-3193	53	46	(	(	PUNCT
ajfti-3193	53	47	halkos	halkos	PROPN
ajfti-3193	53	48	&	&	CCONJ
ajfti-3193	53	49	tsirivis	tsirivis	ADJ
ajfti-3193	53	50	,	,	PUNCT
ajfti-3193	53	51	2019	2019	NUM
ajfti-3193	53	52	)	)	PUNCT
ajfti-3193	53	53	.	.	PUNCT
ajfti-3193	54	1	var	var	PROPN
ajfti-3193	54	2	helps	help	VERB
ajfti-3193	54	3	financial	financial	ADJ
ajfti-3193	54	4	institutions	institution	NOUN
ajfti-3193	54	5	understand	understand	VERB
ajfti-3193	54	6	and	and	CCONJ
ajfti-3193	54	7	manage	manage	VERB
ajfti-3193	54	8	their	their	PRON
ajfti-3193	54	9	market	market	NOUN
ajfti-3193	54	10	,	,	PUNCT
ajfti-3193	54	11	credit	credit	NOUN
ajfti-3193	54	12	,	,	PUNCT
ajfti-3193	54	13	and	and	CCONJ
ajfti-3193	54	14	operational	operational	ADJ
ajfti-3193	54	15	risks	risk	NOUN
ajfti-3193	54	16	.	.	PUNCT
ajfti-3193	55	1	a	a	DET
ajfti-3193	55	2	simple	simple	ADJ
ajfti-3193	55	3	way	way	NOUN
ajfti-3193	55	4	to	to	PART
ajfti-3193	55	5	calculate	calculate	VERB
ajfti-3193	55	6	var	var	NOUN
ajfti-3193	55	7	is	be	AUX
ajfti-3193	55	8	through	through	ADP
ajfti-3193	55	9	parametric	parametric	ADJ
ajfti-3193	55	10	,	,	PUNCT
ajfti-3193	55	11	historical	historical	ADJ
ajfti-3193	55	12	,	,	PUNCT
ajfti-3193	55	13	or	or	CCONJ
ajfti-3193	55	14	monte	monte	PROPN
ajfti-3193	55	15	carlo	carlo	PROPN
ajfti-3193	55	16	simulation	simulation	PROPN
ajfti-3193	55	17	methods	method	NOUN
ajfti-3193	55	18	.	.	PUNCT
ajfti-3193	56	1	historical	historical	ADJ
ajfti-3193	56	2	var	var	NOUN
ajfti-3193	56	3	is	be	AUX
ajfti-3193	56	4	based	base	VERB
ajfti-3193	56	5	on	on	ADP
ajfti-3193	56	6	historical	historical	ADJ
ajfti-3193	56	7	returns	return	NOUN
ajfti-3193	56	8	;	;	PUNCT
ajfti-3193	56	9	monte	monte	PROPN
ajfti-3193	56	10	carlo	carlo	PROPN
ajfti-3193	56	11	var	var	PROPN
ajfti-3193	56	12	is	be	AUX
ajfti-3193	56	13	based	base	VERB
ajfti-3193	56	14	on	on	ADP
ajfti-3193	56	15	random	random	ADJ
ajfti-3193	56	16	numbers	number	NOUN
ajfti-3193	56	17	and	and	CCONJ
ajfti-3193	56	18	sample	sample	NOUN
ajfti-3193	56	19	distributions	distribution	NOUN
ajfti-3193	56	20	,	,	PUNCT
ajfti-3193	56	21	and	and	CCONJ
ajfti-3193	56	22	parametric	parametric	ADJ
ajfti-3193	56	23	var	var	NOUN
ajfti-3193	56	24	is	be	AUX
ajfti-3193	56	25	based	base	VERB
ajfti-3193	56	26	on	on	ADP
ajfti-3193	56	27	specific	specific	ADJ
ajfti-3193	56	28	distributions	distribution	NOUN
ajfti-3193	56	29	(	(	PUNCT
ajfti-3193	56	30	such	such	ADJ
ajfti-3193	56	31	as	as	ADP
ajfti-3193	56	32	normal	normal	ADJ
ajfti-3193	56	33	distribution	distribution	NOUN
ajfti-3193	56	34	)	)	PUNCT
ajfti-3193	56	35	(	(	PUNCT
ajfti-3193	56	36	khindanova	khindanova	PROPN
ajfti-3193	56	37	&	&	CCONJ
ajfti-3193	56	38	rachev	rachev	VERB
ajfti-3193	56	39	,	,	PUNCT
ajfti-3193	56	40	2019	2019	NUM
ajfti-3193	56	41	)	)	PUNCT
ajfti-3193	56	42	.	.	PUNCT
ajfti-3193	57	1	var	var	PROPN
ajfti-3193	57	2	is	be	AUX
ajfti-3193	57	3	expressed	express	VERB
ajfti-3193	57	4	as	as	ADP
ajfti-3193	57	5	several	several	ADJ
ajfti-3193	57	6	dollars	dollar	NOUN
ajfti-3193	57	7	or	or	CCONJ
ajfti-3193	57	8	a	a	DET
ajfti-3193	57	9	number	number	NOUN
ajfti-3193	57	10	as	as	ADP
ajfti-3193	57	11	a	a	DET
ajfti-3193	57	12	percentage	percentage	NOUN
ajfti-3193	57	13	of	of	ADP
ajfti-3193	57	14	the	the	DET
ajfti-3193	57	15	market	market	NOUN
ajfti-3193	57	16	value	value	NOUN
ajfti-3193	57	17	of	of	ADP
ajfti-3193	57	18	the	the	DET
ajfti-3193	57	19	portfolio	portfolio	NOUN
ajfti-3193	57	20	and	and	CCONJ
ajfti-3193	57	21	represented	represent	VERB
ajfti-3193	57	22	in	in	ADP
ajfti-3193	57	23	terms	term	NOUN
ajfti-3193	57	24	of	of	ADP
ajfti-3193	57	25	the	the	DET
ajfti-3193	57	26	length	length	NOUN
ajfti-3193	57	27	of	of	ADP
ajfti-3193	57	28	the	the	DET
ajfti-3193	57	29	period	period	NOUN
ajfti-3193	57	30	(	(	PUNCT
ajfti-3193	57	31	e.g.	e.g.	ADV
ajfti-3193	57	32	one	one	NUM
ajfti-3193	57	33	day	day	NOUN
ajfti-3193	57	34	or	or	CCONJ
ajfti-3193	57	35	one	one	NUM
ajfti-3193	57	36	month	month	NOUN
ajfti-3193	57	37	)	)	PUNCT
ajfti-3193	57	38	and	and	CCONJ
ajfti-3193	57	39	confidence	confidence	NOUN
ajfti-3193	57	40	interval	interval	NOUN
ajfti-3193	57	41	(	(	PUNCT
ajfti-3193	57	42	e.g.	e.g.	ADV
ajfti-3193	57	43	95	95	NUM
ajfti-3193	57	44	%	%	NOUN
ajfti-3193	57	45	or	or	CCONJ
ajfti-3193	57	46	99	99	NUM
ajfti-3193	57	47	%	%	NOUN
ajfti-3193	57	48	)	)	PUNCT
ajfti-3193	57	49	(	(	PUNCT
ajfti-3193	57	50	babazadeh	babazadeh	PROPN
ajfti-3193	57	51	&	&	CCONJ
ajfti-3193	57	52	esfahanipour	esfahanipour	PROPN
ajfti-3193	57	53	,	,	PUNCT
ajfti-3193	57	54	2019	2019	NUM
ajfti-3193	57	55	)	)	PUNCT
ajfti-3193	57	56	.	.	PUNCT
ajfti-3193	58	1	despite	despite	SCONJ
ajfti-3193	58	2	its	its	PRON
ajfti-3193	58	3	versatility	versatility	NOUN
ajfti-3193	58	4	,	,	PUNCT
ajfti-3193	58	5	var	var	PROPN
ajfti-3193	58	6	also	also	ADV
ajfti-3193	58	7	has	have	VERB
ajfti-3193	58	8	several	several	ADJ
ajfti-3193	58	9	drawbacks	drawback	NOUN
ajfti-3193	58	10	,	,	PUNCT
ajfti-3193	58	11	including	include	VERB
ajfti-3193	58	12	the	the	DET
ajfti-3193	58	13	requirement	requirement	NOUN
ajfti-3193	58	14	that	that	SCONJ
ajfti-3193	58	15	it	it	PRON
ajfti-3193	58	16	is	be	AUX
ajfti-3193	58	17	based	base	VERB
ajfti-3193	58	18	on	on	ADP
ajfti-3193	58	19	assumptions	assumption	NOUN
ajfti-3193	58	20	of	of	ADP
ajfti-3193	58	21	normality	normality	NOUN
ajfti-3193	58	22	,	,	PUNCT
ajfti-3193	58	23	the	the	DET
ajfti-3193	58	24	inability	inability	NOUN
ajfti-3193	58	25	to	to	PART
ajfti-3193	58	26	predict	predict	VERB
ajfti-3193	58	27	the	the	DET
ajfti-3193	58	28	most	most	ADV
ajfti-3193	58	29	unlikely	unlikely	ADJ
ajfti-3193	58	30	events	event	NOUN
ajfti-3193	58	31	,	,	PUNCT
ajfti-3193	58	32	and	and	CCONJ
ajfti-3193	58	33	the	the	DET
ajfti-3193	58	34	need	need	NOUN
ajfti-3193	58	35	for	for	ADP
ajfti-3193	58	36	knowledge	knowledge	NOUN
ajfti-3193	58	37	of	of	ADP
ajfti-3193	58	38	the	the	DET
ajfti-3193	58	39	timing	timing	NOUN
ajfti-3193	58	40	of	of	ADP
ajfti-3193	58	41	possible	possible	ADJ
ajfti-3193	58	42	losses	loss	NOUN
ajfti-3193	58	43	(	(	PUNCT
ajfti-3193	58	44	chen	chen	PROPN
ajfti-3193	58	45	,	,	PUNCT
ajfti-3193	58	46	2018	2018	NUM
ajfti-3193	58	47	)	)	PUNCT
ajfti-3193	58	48	.	.	PUNCT
ajfti-3193	59	1	nonetheless	nonetheless	ADV
ajfti-3193	59	2	,	,	PUNCT
ajfti-3193	59	3	var	var	NOUN
ajfti-3193	59	4	still	still	ADV
ajfti-3193	59	5	plays	play	VERB
ajfti-3193	59	6	an	an	DET
ajfti-3193	59	7	important	important	ADJ
ajfti-3193	59	8	role	role	NOUN
ajfti-3193	59	9	in	in	ADP
ajfti-3193	59	10	risk	risk	NOUN
ajfti-3193	59	11	management	management	NOUN
ajfti-3193	59	12	in	in	ADP
ajfti-3193	59	13	financial	financial	ADJ
ajfti-3193	59	14	institutions	institution	NOUN
ajfti-3193	59	15	and	and	CCONJ
ajfti-3193	59	16	is	be	AUX
ajfti-3193	59	17	pa	pa	PROPN
ajfti-3193	59	18	ge	ge	PROPN
ajfti-3193	59	19	35	35	NUM
ajfti-3193	59	20	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	59	21	am	be	AUX
ajfti-3193	59	22	.	.	PUNCT
ajfti-3193	60	1	j.	j.	PROPN
ajfti-3193	60	2	financ	financ	PROPN
ajfti-3193	60	3	.	.	PUNCT
ajfti-3193	61	1	technol	technol	PROPN
ajfti-3193	61	2	.	.	PUNCT
ajfti-3193	61	3	innov	innov	PROPN
ajfti-3193	61	4	.	.	PUNCT
ajfti-3193	62	1	2(1	2(1	NUM
ajfti-3193	62	2	)	)	PUNCT
ajfti-3193	62	3	33	33	NUM
ajfti-3193	62	4	-	-	SYM
ajfti-3193	62	5	43	43	NUM
ajfti-3193	62	6	,	,	PUNCT
ajfti-3193	62	7	2024	2024	NUM
ajfti-3193	62	8	often	often	ADV
ajfti-3193	62	9	used	use	VERB
ajfti-3193	62	10	jointly	jointly	ADV
ajfti-3193	62	11	with	with	ADP
ajfti-3193	62	12	other	other	ADJ
ajfti-3193	62	13	methods	method	NOUN
ajfti-3193	62	14	,	,	PUNCT
ajfti-3193	62	15	such	such	ADJ
ajfti-3193	62	16	as	as	ADP
ajfti-3193	62	17	stress	stress	NOUN
ajfti-3193	62	18	testing	testing	NOUN
ajfti-3193	62	19	,	,	PUNCT
ajfti-3193	62	20	to	to	PART
ajfti-3193	62	21	obtain	obtain	VERB
ajfti-3193	62	22	a	a	DET
ajfti-3193	62	23	broader	broad	ADJ
ajfti-3193	62	24	picture	picture	NOUN
ajfti-3193	62	25	of	of	ADP
ajfti-3193	62	26	risk	risk	NOUN
ajfti-3193	62	27	exposures	exposure	NOUN
ajfti-3193	62	28	in	in	ADP
ajfti-3193	62	29	a	a	DET
ajfti-3193	62	30	portfolio	portfolio	NOUN
ajfti-3193	62	31	of	of	ADP
ajfti-3193	62	32	assets	asset	NOUN
ajfti-3193	62	33	(	(	PUNCT
ajfti-3193	62	34	khindanova	khindanova	PROPN
ajfti-3193	62	35	&	&	CCONJ
ajfti-3193	62	36	rachev	rachev	VERB
ajfti-3193	62	37	,	,	PUNCT
ajfti-3193	62	38	2019	2019	NUM
ajfti-3193	62	39	)	)	PUNCT
ajfti-3193	62	40	.	.	PUNCT
ajfti-3193	63	1	stress	stress	NOUN
ajfti-3193	63	2	testing	test	VERB
ajfti-3193	63	3	stress	stress	NOUN
ajfti-3193	63	4	testing	testing	NOUN
ajfti-3193	63	5	is	be	AUX
ajfti-3193	63	6	an	an	DET
ajfti-3193	63	7	important	important	ADJ
ajfti-3193	63	8	risk	risk	NOUN
ajfti-3193	63	9	-	-	PUNCT
ajfti-3193	63	10	eliminating	eliminate	VERB
ajfti-3193	63	11	practice	practice	NOUN
ajfti-3193	63	12	used	use	VERB
ajfti-3193	63	13	by	by	ADP
ajfti-3193	63	14	banks	bank	NOUN
ajfti-3193	63	15	and	and	CCONJ
ajfti-3193	63	16	other	other	ADJ
ajfti-3193	63	17	financial	financial	ADJ
ajfti-3193	63	18	institutions	institution	NOUN
ajfti-3193	63	19	to	to	PART
ajfti-3193	63	20	assess	assess	VERB
ajfti-3193	63	21	the	the	DET
ajfti-3193	63	22	institution	institution	NOUN
ajfti-3193	63	23	’s	’s	PART
ajfti-3193	63	24	potential	potential	ADJ
ajfti-3193	63	25	stability	stability	NOUN
ajfti-3193	63	26	in	in	ADP
ajfti-3193	63	27	adverse	adverse	ADJ
ajfti-3193	63	28	scenarios	scenario	NOUN
ajfti-3193	63	29	and	and	CCONJ
ajfti-3193	63	30	to	to	PART
ajfti-3193	63	31	help	help	VERB
ajfti-3193	63	32	find	find	VERB
ajfti-3193	63	33	weaknesses	weakness	NOUN
ajfti-3193	63	34	that	that	PRON
ajfti-3193	63	35	jeopardize	jeopardize	VERB
ajfti-3193	63	36	the	the	DET
ajfti-3193	63	37	economic	economic	ADJ
ajfti-3193	63	38	performance	performance	NOUN
ajfti-3193	63	39	of	of	ADP
ajfti-3193	63	40	the	the	DET
ajfti-3193	63	41	institution	institution	NOUN
ajfti-3193	63	42	(	(	PUNCT
ajfti-3193	63	43	goldstein	goldstein	PROPN
ajfti-3193	63	44	&	&	CCONJ
ajfti-3193	63	45	leitner	leitner	PROPN
ajfti-3193	63	46	,	,	PUNCT
ajfti-3193	63	47	2018	2018	NUM
ajfti-3193	63	48	)	)	PUNCT
ajfti-3193	63	49	.	.	PUNCT
ajfti-3193	64	1	stress	stress	NOUN
ajfti-3193	64	2	testing	testing	NOUN
ajfti-3193	64	3	is	be	AUX
ajfti-3193	64	4	different	different	ADJ
ajfti-3193	64	5	from	from	ADP
ajfti-3193	64	6	conventional	conventional	ADJ
ajfti-3193	64	7	risk	risk	NOUN
ajfti-3193	64	8	measurement	measurement	NOUN
ajfti-3193	64	9	techniques	technique	NOUN
ajfti-3193	64	10	that	that	PRON
ajfti-3193	64	11	use	use	VERB
ajfti-3193	64	12	historical	historical	ADJ
ajfti-3193	64	13	data	datum	NOUN
ajfti-3193	64	14	and	and	CCONJ
ajfti-3193	64	15	predicted	predict	VERB
ajfti-3193	64	16	values	value	NOUN
ajfti-3193	64	17	to	to	PART
ajfti-3193	64	18	assess	assess	VERB
ajfti-3193	64	19	risks	risk	NOUN
ajfti-3193	64	20	the	the	DET
ajfti-3193	64	21	bank	bank	NOUN
ajfti-3193	64	22	faces	face	VERB
ajfti-3193	64	23	;	;	PUNCT
ajfti-3193	64	24	in	in	ADP
ajfti-3193	64	25	contrast	contrast	NOUN
ajfti-3193	64	26	,	,	PUNCT
ajfti-3193	64	27	stress	stress	ADJ
ajfti-3193	64	28	testing	testing	NOUN
ajfti-3193	64	29	requires	require	VERB
ajfti-3193	64	30	a	a	DET
ajfti-3193	64	31	more	more	ADV
ajfti-3193	64	32	predictive	predictive	ADJ
ajfti-3193	64	33	perspective	perspective	NOUN
ajfti-3193	64	34	,	,	PUNCT
ajfti-3193	64	35	the	the	DET
ajfti-3193	64	36	simulation	simulation	NOUN
ajfti-3193	64	37	of	of	ADP
ajfti-3193	64	38	hypothetical	hypothetical	ADJ
ajfti-3193	64	39	scenarios	scenario	NOUN
ajfti-3193	64	40	to	to	PART
ajfti-3193	64	41	evaluate	evaluate	VERB
ajfti-3193	64	42	the	the	DET
ajfti-3193	64	43	consequences	consequence	NOUN
ajfti-3193	64	44	of	of	ADP
ajfti-3193	64	45	severe	severe	ADJ
ajfti-3193	64	46	and	and	CCONJ
ajfti-3193	64	47	unexpected	unexpected	ADJ
ajfti-3193	64	48	conditions	condition	NOUN
ajfti-3193	64	49	on	on	ADP
ajfti-3193	64	50	the	the	DET
ajfti-3193	64	51	bank	bank	NOUN
ajfti-3193	64	52	’s	’s	PART
ajfti-3193	64	53	balance	balance	NOUN
ajfti-3193	64	54	sheet	sheet	NOUN
ajfti-3193	64	55	and	and	CCONJ
ajfti-3193	64	56	capital	capital	NOUN
ajfti-3193	64	57	position	position	NOUN
ajfti-3193	64	58	(	(	PUNCT
ajfti-3193	64	59	sakib	sakib	NOUN
ajfti-3193	64	60	,	,	PUNCT
ajfti-3193	64	61	2021	2021	NUM
ajfti-3193	64	62	)	)	PUNCT
ajfti-3193	64	63	.	.	PUNCT
ajfti-3193	65	1	two	two	NUM
ajfti-3193	65	2	approaches	approach	NOUN
ajfti-3193	65	3	were	be	AUX
ajfti-3193	65	4	used	use	VERB
ajfti-3193	65	5	:	:	PUNCT
ajfti-3193	65	6	stress	stress	NOUN
ajfti-3193	65	7	testing	testing	NOUN
ajfti-3193	65	8	and	and	CCONJ
ajfti-3193	65	9	reversed	reverse	VERB
ajfti-3193	65	10	stress	stress	NOUN
ajfti-3193	65	11	testing	testing	NOUN
ajfti-3193	65	12	conditions	condition	NOUN
ajfti-3193	65	13	.	.	PUNCT
ajfti-3193	66	1	stress	stress	NOUN
ajfti-3193	66	2	testing	testing	NOUN
ajfti-3193	66	3	is	be	AUX
ajfti-3193	66	4	conducted	conduct	VERB
ajfti-3193	66	5	in	in	ADP
ajfti-3193	66	6	the	the	DET
ajfti-3193	66	7	event	event	NOUN
ajfti-3193	66	8	of	of	ADP
ajfti-3193	66	9	adverse	adverse	ADJ
ajfti-3193	66	10	scenarios	scenario	NOUN
ajfti-3193	66	11	that	that	PRON
ajfti-3193	66	12	occur	occur	VERB
ajfti-3193	66	13	in	in	ADP
ajfti-3193	66	14	the	the	DET
ajfti-3193	66	15	economy	economy	NOUN
ajfti-3193	66	16	or	or	CCONJ
ajfti-3193	66	17	market	market	NOUN
ajfti-3193	66	18	conditions	condition	NOUN
ajfti-3193	66	19	,	,	PUNCT
ajfti-3193	66	20	as	as	ADV
ajfti-3193	66	21	well	well	ADV
ajfti-3193	66	22	as	as	ADP
ajfti-3193	66	23	the	the	DET
ajfti-3193	66	24	failure	failure	NOUN
ajfti-3193	66	25	of	of	ADP
ajfti-3193	66	26	operational	operational	ADJ
ajfti-3193	66	27	conditions	condition	NOUN
ajfti-3193	66	28	,	,	PUNCT
ajfti-3193	66	29	whereas	whereas	SCONJ
ajfti-3193	66	30	reverse	reverse	VERB
ajfti-3193	66	31	stress	stress	NOUN
ajfti-3193	66	32	testing	testing	NOUN
ajfti-3193	66	33	is	be	AUX
ajfti-3193	66	34	defined	define	VERB
ajfti-3193	66	35	as	as	ADP
ajfti-3193	66	36	the	the	DET
ajfti-3193	66	37	reverse	reverse	ADJ
ajfti-3193	66	38	analysis	analysis	NOUN
ajfti-3193	66	39	of	of	ADP
ajfti-3193	66	40	the	the	DET
ajfti-3193	66	41	scenarios	scenario	NOUN
ajfti-3193	66	42	that	that	PRON
ajfti-3193	66	43	lead	lead	VERB
ajfti-3193	66	44	to	to	ADP
ajfti-3193	66	45	eventualities	eventuality	NOUN
ajfti-3193	66	46	such	such	ADJ
ajfti-3193	66	47	as	as	ADP
ajfti-3193	66	48	bankruptcy	bankruptcy	NOUN
ajfti-3193	66	49	or	or	CCONJ
ajfti-3193	66	50	failure	failure	NOUN
ajfti-3193	66	51	in	in	ADP
ajfti-3193	66	52	meeting	meet	VERB
ajfti-3193	66	53	regulatory	regulatory	ADJ
ajfti-3193	66	54	capital	capital	NOUN
ajfti-3193	66	55	.	.	PUNCT
ajfti-3193	67	1	the	the	DET
ajfti-3193	67	2	stress	stress	NOUN
ajfti-3193	67	3	testing	testing	NOUN
ajfti-3193	67	4	process	process	NOUN
ajfti-3193	67	5	is	be	AUX
ajfti-3193	67	6	often	often	ADV
ajfti-3193	67	7	divided	divide	VERB
ajfti-3193	67	8	into	into	ADP
ajfti-3193	67	9	the	the	DET
ajfti-3193	67	10	following	follow	VERB
ajfti-3193	67	11	stages	stage	NOUN
ajfti-3193	67	12	:	:	PUNCT
ajfti-3193	67	13	scenario	scenario	NOUN
ajfti-3193	67	14	design	design	NOUN
ajfti-3193	67	15	,	,	PUNCT
ajfti-3193	67	16	data	datum	NOUN
ajfti-3193	67	17	collection	collection	NOUN
ajfti-3193	67	18	and	and	CCONJ
ajfti-3193	67	19	aggregation	aggregation	NOUN
ajfti-3193	67	20	,	,	PUNCT
ajfti-3193	67	21	modelling	modelling	NOUN
ajfti-3193	67	22	and	and	CCONJ
ajfti-3193	67	23	analysis	analysis	NOUN
ajfti-3193	67	24	,	,	PUNCT
ajfti-3193	67	25	risk	risk	NOUN
ajfti-3193	67	26	and	and	CCONJ
ajfti-3193	67	27	stress	stress	NOUN
ajfti-3193	67	28	assessment	assessment	NOUN
ajfti-3193	67	29	and	and	CCONJ
ajfti-3193	67	30	actions	action	NOUN
ajfti-3193	67	31	,	,	PUNCT
ajfti-3193	67	32	and	and	CCONJ
ajfti-3193	67	33	reporting	reporting	NOUN
ajfti-3193	67	34	and	and	CCONJ
ajfti-3193	67	35	disclosure	disclosure	NOUN
ajfti-3193	67	36	(	(	PUNCT
ajfti-3193	67	37	gogas	gogas	NOUN
ajfti-3193	67	38	et	et	PROPN
ajfti-3193	67	39	al	al	PROPN
ajfti-3193	67	40	.	.	PROPN
ajfti-3193	67	41	,	,	PUNCT
ajfti-3193	67	42	2018	2018	NUM
ajfti-3193	67	43	)	)	PUNCT
ajfti-3193	67	44	.	.	PUNCT
ajfti-3193	68	1	stress	stress	NOUN
ajfti-3193	68	2	tests	test	NOUN
ajfti-3193	68	3	enable	enable	VERB
ajfti-3193	68	4	banks	bank	NOUN
ajfti-3193	68	5	to	to	PART
ajfti-3193	68	6	anticipate	anticipate	VERB
ajfti-3193	68	7	problems	problem	NOUN
ajfti-3193	68	8	,	,	PUNCT
ajfti-3193	68	9	enhance	enhance	VERB
ajfti-3193	68	10	their	their	PRON
ajfti-3193	68	11	risk	risk	NOUN
ajfti-3193	68	12	management	management	NOUN
ajfti-3193	68	13	procedures	procedure	NOUN
ajfti-3193	68	14	,	,	PUNCT
ajfti-3193	68	15	and	and	CCONJ
ajfti-3193	68	16	ensure	ensure	VERB
ajfti-3193	68	17	the	the	DET
ajfti-3193	68	18	safety	safety	NOUN
ajfti-3193	68	19	and	and	CCONJ
ajfti-3193	68	20	soundness	soundness	NOUN
ajfti-3193	68	21	of	of	ADP
ajfti-3193	68	22	the	the	DET
ajfti-3193	68	23	banking	banking	NOUN
ajfti-3193	68	24	sector	sector	NOUN
ajfti-3193	68	25	(	(	PUNCT
ajfti-3193	68	26	acharya	acharya	PROPN
ajfti-3193	68	27	et	et	PROPN
ajfti-3193	68	28	al	al	PROPN
ajfti-3193	68	29	.	.	PROPN
ajfti-3193	68	30	,	,	PUNCT
ajfti-3193	68	31	2018	2018	NUM
ajfti-3193	68	32	)	)	PUNCT
ajfti-3193	68	33	.	.	PUNCT
ajfti-3193	69	1	trade	trade	NOUN
ajfti-3193	69	2	-	-	PUNCT
ajfti-3193	69	3	off	off	ADP
ajfti-3193	69	4	-	-	PUNCT
ajfti-3193	69	5	theory	theory	NOUN
ajfti-3193	69	6	the	the	DET
ajfti-3193	69	7	tradeoff	tradeoff	NOUN
ajfti-3193	69	8	theory	theory	NOUN
ajfti-3193	69	9	is	be	AUX
ajfti-3193	69	10	a	a	DET
ajfti-3193	69	11	core	core	NOUN
ajfti-3193	69	12	concept	concept	NOUN
ajfti-3193	69	13	in	in	ADP
ajfti-3193	69	14	corporate	corporate	ADJ
ajfti-3193	69	15	finance	finance	NOUN
ajfti-3193	69	16	that	that	PRON
ajfti-3193	69	17	explains	explain	VERB
ajfti-3193	69	18	how	how	SCONJ
ajfti-3193	69	19	firms	firm	NOUN
ajfti-3193	69	20	maximize	maximize	VERB
ajfti-3193	69	21	their	their	PRON
ajfti-3193	69	22	wealth	wealth	NOUN
ajfti-3193	69	23	by	by	ADP
ajfti-3193	69	24	selecting	select	VERB
ajfti-3193	69	25	the	the	DET
ajfti-3193	69	26	least	least	ADJ
ajfti-3193	69	27	-	-	PUNCT
ajfti-3193	69	28	cost	cost	NOUN
ajfti-3193	69	29	capital	capital	NOUN
ajfti-3193	69	30	structure	structure	NOUN
ajfti-3193	69	31	primarily	primarily	ADV
ajfti-3193	69	32	through	through	ADP
ajfti-3193	69	33	debt	debt	NOUN
ajfti-3193	69	34	and	and	CCONJ
ajfti-3193	69	35	equity	equity	NOUN
ajfti-3193	69	36	(	(	PUNCT
ajfti-3193	69	37	khan	khan	PROPN
ajfti-3193	69	38	et	et	PROPN
ajfti-3193	69	39	al	al	PROPN
ajfti-3193	69	40	.	.	PROPN
ajfti-3193	69	41	,	,	PUNCT
ajfti-3193	69	42	2021	2021	NUM
ajfti-3193	69	43	)	)	PUNCT
ajfti-3193	69	44	.	.	PUNCT
ajfti-3193	70	1	the	the	DET
ajfti-3193	70	2	tradeoff	tradeoff	NOUN
ajfti-3193	70	3	theory	theory	NOUN
ajfti-3193	70	4	postulates	postulate	VERB
ajfti-3193	70	5	that	that	SCONJ
ajfti-3193	70	6	firms	firm	NOUN
ajfti-3193	70	7	try	try	VERB
ajfti-3193	70	8	to	to	PART
ajfti-3193	70	9	ensure	ensure	VERB
ajfti-3193	70	10	that	that	SCONJ
ajfti-3193	70	11	the	the	DET
ajfti-3193	70	12	benefits	benefit	NOUN
ajfti-3193	70	13	of	of	ADP
ajfti-3193	70	14	financial	financial	ADJ
ajfti-3193	70	15	leverage	leverage	NOUN
ajfti-3193	70	16	outweigh	outweigh	VERB
ajfti-3193	70	17	its	its	PRON
ajfti-3193	70	18	costs	cost	NOUN
ajfti-3193	70	19	(	(	PUNCT
ajfti-3193	70	20	ai	ai	VERB
ajfti-3193	70	21	et	et	PROPN
ajfti-3193	70	22	al	al	PROPN
ajfti-3193	70	23	.	.	PROPN
ajfti-3193	70	24	,	,	PUNCT
ajfti-3193	70	25	2020	2020	NUM
ajfti-3193	70	26	)	)	PUNCT
ajfti-3193	70	27	.	.	PUNCT
ajfti-3193	71	1	the	the	DET
ajfti-3193	71	2	major	major	ADJ
ajfti-3193	71	3	opportunities	opportunity	NOUN
ajfti-3193	71	4	of	of	ADP
ajfti-3193	71	5	debt	debt	NOUN
ajfti-3193	71	6	financing	financing	NOUN
ajfti-3193	71	7	include	include	VERB
ajfti-3193	71	8	tax	tax	NOUN
ajfti-3193	71	9	shields	shield	NOUN
ajfti-3193	71	10	on	on	ADP
ajfti-3193	71	11	interest	interest	NOUN
ajfti-3193	71	12	payments	payment	NOUN
ajfti-3193	71	13	since	since	SCONJ
ajfti-3193	71	14	interest	interest	NOUN
ajfti-3193	71	15	is	be	AUX
ajfti-3193	71	16	a	a	DET
ajfti-3193	71	17	deductible	deductible	ADJ
ajfti-3193	71	18	expense	expense	NOUN
ajfti-3193	71	19	,	,	PUNCT
ajfti-3193	71	20	and	and	CCONJ
ajfti-3193	71	21	debt	debt	NOUN
ajfti-3193	71	22	offers	offer	VERB
ajfti-3193	71	23	the	the	DET
ajfti-3193	71	24	potential	potential	NOUN
ajfti-3193	71	25	for	for	ADP
ajfti-3193	71	26	increasing	increase	VERB
ajfti-3193	71	27	the	the	DET
ajfti-3193	71	28	equity	equity	NOUN
ajfti-3193	71	29	return	return	NOUN
ajfti-3193	71	30	through	through	ADP
ajfti-3193	71	31	financial	financial	ADJ
ajfti-3193	71	32	leverage	leverage	NOUN
ajfti-3193	71	33	(	(	PUNCT
ajfti-3193	71	34	michalkova	michalkova	X
ajfti-3193	71	35	et	et	PROPN
ajfti-3193	71	36	al	al	PROPN
ajfti-3193	71	37	.	.	PROPN
ajfti-3193	71	38	,	,	PUNCT
ajfti-3193	71	39	2021	2021	NUM
ajfti-3193	71	40	)	)	PUNCT
ajfti-3193	71	41	.	.	PUNCT
ajfti-3193	72	1	debt	debt	NOUN
ajfti-3193	72	2	also	also	ADV
ajfti-3193	72	3	provides	provide	VERB
ajfti-3193	72	4	the	the	DET
ajfti-3193	72	5	advantage	advantage	NOUN
ajfti-3193	72	6	of	of	ADP
ajfti-3193	72	7	financial	financial	ADJ
ajfti-3193	72	8	flexibility	flexibility	NOUN
ajfti-3193	72	9	that	that	PRON
ajfti-3193	72	10	enables	enable	VERB
ajfti-3193	72	11	companies	company	NOUN
ajfti-3193	72	12	to	to	PART
ajfti-3193	72	13	continue	continue	VERB
ajfti-3193	72	14	operating	operate	VERB
ajfti-3193	72	15	and	and	CCONJ
ajfti-3193	72	16	making	make	VERB
ajfti-3193	72	17	strategic	strategic	ADJ
ajfti-3193	72	18	decisions	decision	NOUN
ajfti-3193	72	19	without	without	ADP
ajfti-3193	72	20	sharing	share	VERB
ajfti-3193	72	21	ownership	ownership	NOUN
ajfti-3193	72	22	rights	right	NOUN
ajfti-3193	72	23	with	with	ADP
ajfti-3193	72	24	outside	outside	ADJ
ajfti-3193	72	25	investors	investor	NOUN
ajfti-3193	72	26	.	.	PUNCT
ajfti-3193	73	1	however	however	ADV
ajfti-3193	73	2	,	,	PUNCT
ajfti-3193	73	3	debt	debt	NOUN
ajfti-3193	73	4	financing	financing	NOUN
ajfti-3193	73	5	signals	signal	NOUN
ajfti-3193	73	6	firm	firm	ADJ
ajfti-3193	73	7	value	value	NOUN
ajfti-3193	73	8	and	and	CCONJ
ajfti-3193	73	9	creditworthiness	creditworthiness	NOUN
ajfti-3193	73	10	to	to	ADP
ajfti-3193	73	11	investors	investor	NOUN
ajfti-3193	73	12	and	and	CCONJ
ajfti-3193	73	13	creditors	creditor	NOUN
ajfti-3193	73	14	(	(	PUNCT
ajfti-3193	73	15	deangelo	deangelo	PROPN
ajfti-3193	73	16	et	et	PROPN
ajfti-3193	73	17	al	al	PROPN
ajfti-3193	73	18	.	.	PROPN
ajfti-3193	73	19	,	,	PUNCT
ajfti-3193	73	20	2018	2018	NUM
ajfti-3193	73	21	)	)	PUNCT
ajfti-3193	73	22	.	.	PUNCT
ajfti-3193	74	1	nevertheless	nevertheless	ADV
ajfti-3193	74	2	,	,	PUNCT
ajfti-3193	74	3	debt	debt	NOUN
ajfti-3193	74	4	financing	financing	NOUN
ajfti-3193	74	5	also	also	ADV
ajfti-3193	74	6	has	have	VERB
ajfti-3193	74	7	some	some	DET
ajfti-3193	74	8	costs	cost	NOUN
ajfti-3193	74	9	and	and	CCONJ
ajfti-3193	74	10	risks	risk	NOUN
ajfti-3193	74	11	.	.	PUNCT
ajfti-3193	75	1	these	these	PRON
ajfti-3193	75	2	include	include	VERB
ajfti-3193	75	3	the	the	DET
ajfti-3193	75	4	repayment	repayment	NOUN
ajfti-3193	75	5	of	of	ADP
ajfti-3193	75	6	interest	interest	NOUN
ajfti-3193	75	7	and	and	CCONJ
ajfti-3193	75	8	principal	principal	NOUN
ajfti-3193	75	9	,	,	PUNCT
ajfti-3193	75	10	which	which	DET
ajfti-3193	75	11	deplete	deplete	NOUN
ajfti-3193	75	12	companies	company	NOUN
ajfti-3193	75	13	’	'	PUNCT
ajfti-3193	75	14	cash	cash	NOUN
ajfti-3193	75	15	flow	flow	NOUN
ajfti-3193	75	16	and	and	CCONJ
ajfti-3193	75	17	liquidity	liquidity	NOUN
ajfti-3193	75	18	,	,	PUNCT
ajfti-3193	75	19	especially	especially	ADV
ajfti-3193	75	20	during	during	ADP
ajfti-3193	75	21	an	an	DET
ajfti-3193	75	22	economic	economic	ADJ
ajfti-3193	75	23	downturn	downturn	NOUN
ajfti-3193	75	24	or	or	CCONJ
ajfti-3193	75	25	financial	financial	ADJ
ajfti-3193	75	26	distress	distress	NOUN
ajfti-3193	75	27	.	.	PUNCT
ajfti-3193	76	1	high	high	ADJ
ajfti-3193	76	2	debt	debt	NOUN
ajfti-3193	76	3	levels	level	NOUN
ajfti-3193	76	4	increase	increase	VERB
ajfti-3193	76	5	the	the	DET
ajfti-3193	76	6	risk	risk	NOUN
ajfti-3193	76	7	of	of	ADP
ajfti-3193	76	8	financial	financial	ADJ
ajfti-3193	76	9	distress	distress	NOUN
ajfti-3193	76	10	or	or	CCONJ
ajfti-3193	76	11	bankruptcy	bankruptcy	NOUN
ajfti-3193	76	12	and	and	CCONJ
ajfti-3193	76	13	raise	raise	VERB
ajfti-3193	76	14	agency	agency	NOUN
ajfti-3193	76	15	costs	cost	NOUN
ajfti-3193	76	16	(	(	PUNCT
ajfti-3193	76	17	costs	cost	NOUN
ajfti-3193	76	18	associated	associate	VERB
ajfti-3193	76	19	with	with	ADP
ajfti-3193	76	20	the	the	DET
ajfti-3193	76	21	divergence	divergence	NOUN
ajfti-3193	76	22	of	of	ADP
ajfti-3193	76	23	interest	interest	NOUN
ajfti-3193	76	24	between	between	ADP
ajfti-3193	76	25	shareholders	shareholder	NOUN
ajfti-3193	76	26	and	and	CCONJ
ajfti-3193	76	27	debt	debt	NOUN
ajfti-3193	76	28	holders	holder	NOUN
ajfti-3193	76	29	)	)	PUNCT
ajfti-3193	76	30	,	,	PUNCT
ajfti-3193	76	31	increase	increase	VERB
ajfti-3193	76	32	the	the	DET
ajfti-3193	76	33	cost	cost	NOUN
ajfti-3193	76	34	of	of	ADP
ajfti-3193	76	35	debt	debt	NOUN
ajfti-3193	76	36	and	and	CCONJ
ajfti-3193	76	37	limit	limit	VERB
ajfti-3193	76	38	access	access	NOUN
ajfti-3193	76	39	to	to	ADP
ajfti-3193	76	40	debt	debt	NOUN
ajfti-3193	76	41	markets	market	NOUN
ajfti-3193	76	42	.	.	PUNCT
ajfti-3193	77	1	secondly	secondly	ADV
ajfti-3193	77	2	,	,	PUNCT
ajfti-3193	77	3	the	the	DET
ajfti-3193	77	4	tax	tax	NOUN
ajfti-3193	77	5	benefits	benefit	NOUN
ajfti-3193	77	6	of	of	ADP
ajfti-3193	77	7	debt	debt	NOUN
ajfti-3193	77	8	decrease	decrease	NOUN
ajfti-3193	77	9	as	as	SCONJ
ajfti-3193	77	10	the	the	DET
ajfti-3193	77	11	firms	firm	NOUN
ajfti-3193	77	12	improve	improve	VERB
ajfti-3193	77	13	their	their	PRON
ajfti-3193	77	14	level	level	NOUN
ajfti-3193	77	15	of	of	ADP
ajfti-3193	77	16	debt	debt	NOUN
ajfti-3193	77	17	,	,	PUNCT
ajfti-3193	77	18	causing	cause	VERB
ajfti-3193	77	19	the	the	DET
ajfti-3193	77	20	optimal	optimal	ADJ
ajfti-3193	77	21	capital	capital	NOUN
ajfti-3193	77	22	structure	structure	NOUN
ajfti-3193	77	23	to	to	PART
ajfti-3193	77	24	vary	vary	VERB
ajfti-3193	77	25	with	with	ADP
ajfti-3193	77	26	the	the	DET
ajfti-3193	77	27	corporate	corporate	ADJ
ajfti-3193	77	28	tax	tax	NOUN
ajfti-3193	77	29	rate	rate	NOUN
ajfti-3193	77	30	and	and	CCONJ
ajfti-3193	77	31	the	the	DET
ajfti-3193	77	32	leverage	leverage	NOUN
ajfti-3193	77	33	ratio	ratio	NOUN
ajfti-3193	77	34	(	(	PUNCT
ajfti-3193	77	35	songhor	songhor	NOUN
ajfti-3193	77	36	,	,	PUNCT
ajfti-3193	77	37	2018	2018	NUM
ajfti-3193	77	38	)	)	PUNCT
ajfti-3193	77	39	.	.	PUNCT
ajfti-3193	78	1	the	the	DET
ajfti-3193	78	2	tradeoff	tradeoff	NOUN
ajfti-3193	78	3	theory	theory	NOUN
ajfti-3193	78	4	argues	argue	VERB
ajfti-3193	78	5	that	that	SCONJ
ajfti-3193	78	6	each	each	DET
ajfti-3193	78	7	company	company	NOUN
ajfti-3193	78	8	strives	strive	VERB
ajfti-3193	78	9	to	to	PART
ajfti-3193	78	10	find	find	VERB
ajfti-3193	78	11	the	the	DET
ajfti-3193	78	12	optimal	optimal	ADJ
ajfti-3193	78	13	capital	capital	NOUN
ajfti-3193	78	14	structure	structure	NOUN
ajfti-3193	78	15	by	by	ADP
ajfti-3193	78	16	balancing	balance	VERB
ajfti-3193	78	17	the	the	DET
ajfti-3193	78	18	npv	npv	NOUN
ajfti-3193	78	19	of	of	ADP
ajfti-3193	78	20	tax	tax	NOUN
ajfti-3193	78	21	shields	shield	NOUN
ajfti-3193	78	22	and	and	CCONJ
ajfti-3193	78	23	the	the	DET
ajfti-3193	78	24	costs	cost	NOUN
ajfti-3193	78	25	of	of	ADP
ajfti-3193	78	26	financial	financial	ADJ
ajfti-3193	78	27	distress	distress	NOUN
ajfti-3193	78	28	.	.	PUNCT
ajfti-3193	79	1	this	this	DET
ajfti-3193	79	2	optimal	optimal	ADJ
ajfti-3193	79	3	capital	capital	NOUN
ajfti-3193	79	4	structure	structure	NOUN
ajfti-3193	79	5	differs	differ	VERB
ajfti-3193	79	6	from	from	ADP
ajfti-3193	79	7	firm	firm	NOUN
ajfti-3193	79	8	based	base	VERB
ajfti-3193	79	9	on	on	ADP
ajfti-3193	79	10	industry	industry	NOUN
ajfti-3193	79	11	,	,	PUNCT
ajfti-3193	79	12	future	future	ADJ
ajfti-3193	79	13	growth	growth	NOUN
ajfti-3193	79	14	opportunities	opportunity	NOUN
ajfti-3193	79	15	,	,	PUNCT
ajfti-3193	79	16	cash	cash	NOUN
ajfti-3193	79	17	flow	flow	NOUN
ajfti-3193	79	18	stability	stability	NOUN
ajfti-3193	79	19	,	,	PUNCT
ajfti-3193	79	20	risk	risk	NOUN
ajfti-3193	79	21	preference	preference	NOUN
ajfti-3193	79	22	,	,	PUNCT
ajfti-3193	79	23	and	and	CCONJ
ajfti-3193	79	24	economic	economic	ADJ
ajfti-3193	79	25	environment	environment	NOUN
ajfti-3193	79	26	.	.	PUNCT
ajfti-3193	80	1	debt	debt	NOUN
ajfti-3193	80	2	financing	financing	NOUN
ajfti-3193	80	3	involves	involve	VERB
ajfti-3193	80	4	weighing	weigh	VERB
ajfti-3193	80	5	the	the	DET
ajfti-3193	80	6	debt	debt	NOUN
ajfti-3193	80	7	’s	’s	PART
ajfti-3193	80	8	advantages	advantage	NOUN
ajfti-3193	80	9	and	and	CCONJ
ajfti-3193	80	10	disadvantages	disadvantage	NOUN
ajfti-3193	80	11	to	to	PART
ajfti-3193	80	12	increase	increase	VERB
ajfti-3193	80	13	the	the	DET
ajfti-3193	80	14	shareholders	shareholder	NOUN
ajfti-3193	80	15	’	'	PUNCT
ajfti-3193	80	16	value	value	NOUN
ajfti-3193	80	17	and	and	CCONJ
ajfti-3193	80	18	improve	improve	VERB
ajfti-3193	80	19	long	long	ADJ
ajfti-3193	80	20	-	-	PUNCT
ajfti-3193	80	21	term	term	NOUN
ajfti-3193	80	22	profitability	profitability	NOUN
ajfti-3193	80	23	(	(	PUNCT
ajfti-3193	80	24	nicodano	nicodano	NOUN
ajfti-3193	80	25	&	&	CCONJ
ajfti-3193	80	26	regis	regis	PROPN
ajfti-3193	80	27	,	,	PUNCT
ajfti-3193	80	28	2019	2019	NUM
ajfti-3193	80	29	)	)	PUNCT
ajfti-3193	80	30	.	.	PUNCT
ajfti-3193	81	1	empirical	empirical	ADJ
ajfti-3193	81	2	studies	study	NOUN
ajfti-3193	81	3	international	international	ADJ
ajfti-3193	81	4	banking	banking	NOUN
ajfti-3193	81	5	regulations	regulation	NOUN
ajfti-3193	81	6	and	and	CCONJ
ajfti-3193	81	7	systemic	systemic	ADJ
ajfti-3193	81	8	risk	risk	NOUN
ajfti-3193	81	9	literature	literature	NOUN
ajfti-3193	81	10	are	be	AUX
ajfti-3193	81	11	usually	usually	ADV
ajfti-3193	81	12	set	set	VERB
ajfti-3193	81	13	globally	globally	ADV
ajfti-3193	81	14	.	.	PUNCT
ajfti-3193	82	1	several	several	ADJ
ajfti-3193	82	2	studies	study	NOUN
ajfti-3193	82	3	demonstrated	demonstrate	VERB
ajfti-3193	82	4	how	how	SCONJ
ajfti-3193	82	5	increased	increase	VERB
ajfti-3193	82	6	capital	capital	NOUN
ajfti-3193	82	7	and	and	CCONJ
ajfti-3193	82	8	liquidity	liquidity	NOUN
ajfti-3193	82	9	levels	level	NOUN
ajfti-3193	82	10	impacted	impact	VERB
ajfti-3193	82	11	banks	bank	NOUN
ajfti-3193	82	12	’	'	PUNCT
ajfti-3193	82	13	risk	risk	NOUN
ajfti-3193	82	14	attitudes	attitude	NOUN
ajfti-3193	82	15	and	and	CCONJ
ajfti-3193	82	16	capital	capital	NOUN
ajfti-3193	82	17	structure	structure	NOUN
ajfti-3193	82	18	(	(	PUNCT
ajfti-3193	82	19	erülgen	erülgen	X
ajfti-3193	82	20	et	et	PROPN
ajfti-3193	82	21	al	al	PROPN
ajfti-3193	82	22	.	.	PROPN
ajfti-3193	82	23	,	,	PUNCT
ajfti-3193	82	24	2020	2020	NUM
ajfti-3193	82	25	;	;	PUNCT
ajfti-3193	82	26	ghosh	ghosh	PROPN
ajfti-3193	82	27	&	&	CCONJ
ajfti-3193	82	28	chatterjee	chatterjee	PROPN
ajfti-3193	82	29	,	,	PUNCT
ajfti-3193	82	30	2018	2018	NUM
ajfti-3193	82	31	;	;	PUNCT
ajfti-3193	82	32	siddika	siddika	NOUN
ajfti-3193	82	33	&	&	CCONJ
ajfti-3193	82	34	haron	haron	PROPN
ajfti-3193	82	35	,	,	PUNCT
ajfti-3193	82	36	2020	2020	NUM
ajfti-3193	82	37	)	)	PUNCT
ajfti-3193	82	38	.	.	PUNCT
ajfti-3193	83	1	according	accord	VERB
ajfti-3193	83	2	to	to	ADP
ajfti-3193	83	3	alexander	alexander	PROPN
ajfti-3193	83	4	(	(	PUNCT
ajfti-3193	83	5	2015	2015	NUM
ajfti-3193	83	6	)	)	PUNCT
ajfti-3193	83	7	,	,	PUNCT
ajfti-3193	83	8	higher	high	ADJ
ajfti-3193	83	9	capital	capital	NOUN
ajfti-3193	83	10	under	under	ADP
ajfti-3193	83	11	basel	basel	PROPN
ajfti-3193	83	12	iii	iii	PROPN
ajfti-3193	83	13	requirements	requirement	NOUN
ajfti-3193	83	14	increases	increase	VERB
ajfti-3193	83	15	banking	banking	NOUN
ajfti-3193	83	16	sector	sector	NOUN
ajfti-3193	83	17	resilience	resilience	NOUN
ajfti-3193	83	18	and	and	CCONJ
ajfti-3193	83	19	stability	stability	NOUN
ajfti-3193	83	20	but	but	CCONJ
ajfti-3193	83	21	also	also	ADV
ajfti-3193	83	22	leads	lead	VERB
ajfti-3193	83	23	to	to	ADP
ajfti-3193	83	24	declining	decline	VERB
ajfti-3193	83	25	lending	lending	NOUN
ajfti-3193	83	26	activities	activity	NOUN
ajfti-3193	83	27	and	and	CCONJ
ajfti-3193	83	28	profitability	profitability	NOUN
ajfti-3193	83	29	because	because	SCONJ
ajfti-3193	83	30	of	of	ADP
ajfti-3193	83	31	the	the	DET
ajfti-3193	83	32	higher	high	ADJ
ajfti-3193	83	33	cost	cost	NOUN
ajfti-3193	83	34	of	of	ADP
ajfti-3193	83	35	holding	hold	VERB
ajfti-3193	83	36	higher	high	ADJ
ajfti-3193	83	37	capital	capital	NOUN
ajfti-3193	83	38	(	(	PUNCT
ajfti-3193	83	39	alexander	alexander	NOUN
ajfti-3193	83	40	,	,	PUNCT
ajfti-3193	83	41	2015	2015	NUM
ajfti-3193	83	42	)	)	PUNCT
ajfti-3193	83	43	.	.	PUNCT
ajfti-3193	84	1	in	in	ADP
ajfti-3193	84	2	addition	addition	NOUN
ajfti-3193	84	3	,	,	PUNCT
ajfti-3193	84	4	hossain	hossain	PROPN
ajfti-3193	84	5	et	et	PROPN
ajfti-3193	84	6	al	al	PROPN
ajfti-3193	84	7	.	.	PROPN
ajfti-3193	85	1	(	(	PUNCT
ajfti-3193	85	2	2018	2018	NUM
ajfti-3193	85	3	)	)	PUNCT
ajfti-3193	85	4	pointed	point	VERB
ajfti-3193	85	5	out	out	ADP
ajfti-3193	85	6	the	the	DET
ajfti-3193	85	7	international	international	ADJ
ajfti-3193	85	8	transmission	transmission	NOUN
ajfti-3193	85	9	channels	channel	NOUN
ajfti-3193	85	10	of	of	ADP
ajfti-3193	85	11	systemic	systemic	ADJ
ajfti-3193	85	12	financial	financial	ADJ
ajfti-3193	85	13	shocks	shock	NOUN
ajfti-3193	85	14	from	from	ADP
ajfti-3193	85	15	the	the	DET
ajfti-3193	85	16	experience	experience	NOUN
ajfti-3193	85	17	of	of	ADP
ajfti-3193	85	18	banking	banking	NOUN
ajfti-3193	85	19	systems	system	NOUN
ajfti-3193	85	20	worldwide	worldwide	ADV
ajfti-3193	85	21	.	.	PUNCT
ajfti-3193	86	1	this	this	DET
ajfti-3193	86	2	study	study	NOUN
ajfti-3193	86	3	emphasizes	emphasize	VERB
ajfti-3193	86	4	the	the	DET
ajfti-3193	86	5	global	global	ADJ
ajfti-3193	86	6	governance	governance	NOUN
ajfti-3193	86	7	approach	approach	NOUN
ajfti-3193	86	8	in	in	ADP
ajfti-3193	86	9	the	the	DET
ajfti-3193	86	10	regulation	regulation	NOUN
ajfti-3193	86	11	of	of	ADP
ajfti-3193	86	12	financial	financial	ADJ
ajfti-3193	86	13	markets	market	NOUN
ajfti-3193	86	14	to	to	PART
ajfti-3193	86	15	mitigate	mitigate	VERB
ajfti-3193	86	16	sri	sri	NOUN
ajfti-3193	86	17	and	and	CCONJ
ajfti-3193	86	18	prevent	prevent	VERB
ajfti-3193	86	19	financial	financial	ADJ
ajfti-3193	86	20	contamination	contamination	NOUN
ajfti-3193	86	21	(	(	PUNCT
ajfti-3193	86	22	hossain	hossain	PROPN
ajfti-3193	86	23	et	et	PROPN
ajfti-3193	86	24	al	al	PROPN
ajfti-3193	86	25	.	.	PROPN
ajfti-3193	86	26	,	,	PUNCT
ajfti-3193	86	27	2018	2018	NUM
ajfti-3193	86	28	)	)	PUNCT
ajfti-3193	86	29	.	.	PUNCT
ajfti-3193	87	1	regional	regional	ADJ
ajfti-3193	87	2	studies	study	NOUN
ajfti-3193	87	3	offer	offer	VERB
ajfti-3193	87	4	some	some	DET
ajfti-3193	87	5	unique	unique	ADJ
ajfti-3193	87	6	information	information	NOUN
ajfti-3193	87	7	about	about	ADP
ajfti-3193	87	8	the	the	DET
ajfti-3193	87	9	particular	particular	ADJ
ajfti-3193	87	10	difficulties	difficulty	NOUN
ajfti-3193	87	11	and	and	CCONJ
ajfti-3193	87	12	peculiarities	peculiarity	NOUN
ajfti-3193	87	13	of	of	ADP
ajfti-3193	87	14	banking	banking	NOUN
ajfti-3193	87	15	sectors	sector	NOUN
ajfti-3193	87	16	in	in	ADP
ajfti-3193	87	17	various	various	ADJ
ajfti-3193	87	18	regions	region	NOUN
ajfti-3193	87	19	.	.	PUNCT
ajfti-3193	88	1	gropp	gropp	NOUN
ajfti-3193	88	2	and	and	CCONJ
ajfti-3193	88	3	heider	heider	NOUN
ajfti-3193	88	4	(	(	PUNCT
ajfti-3193	88	5	2010	2010	NUM
ajfti-3193	88	6	)	)	PUNCT
ajfti-3193	88	7	examine	examine	VERB
ajfti-3193	88	8	the	the	DET
ajfti-3193	88	9	factors	factor	NOUN
ajfti-3193	88	10	that	that	PRON
ajfti-3193	88	11	affect	affect	VERB
ajfti-3193	88	12	the	the	DET
ajfti-3193	88	13	capital	capital	NOUN
ajfti-3193	88	14	structure	structure	NOUN
ajfti-3193	88	15	of	of	ADP
ajfti-3193	88	16	european	european	ADJ
ajfti-3193	88	17	banks	bank	NOUN
ajfti-3193	88	18	and	and	CCONJ
ajfti-3193	88	19	identify	identify	VERB
ajfti-3193	88	20	regulatory	regulatory	ADJ
ajfti-3193	88	21	pressures	pressure	NOUN
ajfti-3193	88	22	and	and	CCONJ
ajfti-3193	88	23	market	market	NOUN
ajfti-3193	88	24	discipline	discipline	NOUN
ajfti-3193	88	25	as	as	ADP
ajfti-3193	88	26	two	two	NUM
ajfti-3193	88	27	key	key	ADJ
ajfti-3193	88	28	factors	factor	NOUN
ajfti-3193	88	29	that	that	PRON
ajfti-3193	88	30	influence	influence	VERB
ajfti-3193	88	31	european	european	ADJ
ajfti-3193	88	32	capital	capital	NOUN
ajfti-3193	88	33	structure	structure	NOUN
ajfti-3193	88	34	.	.	PUNCT
ajfti-3193	89	1	they	they	PRON
ajfti-3193	89	2	observed	observe	VERB
ajfti-3193	89	3	that	that	SCONJ
ajfti-3193	89	4	banks	bank	NOUN
ajfti-3193	89	5	in	in	ADP
ajfti-3193	89	6	countries	country	NOUN
ajfti-3193	89	7	with	with	ADP
ajfti-3193	89	8	strict	strict	ADJ
ajfti-3193	89	9	legal	legal	ADJ
ajfti-3193	89	10	regimes	regime	NOUN
ajfti-3193	89	11	usually	usually	ADV
ajfti-3193	89	12	have	have	VERB
ajfti-3193	89	13	higher	high	ADJ
ajfti-3193	89	14	car	car	NOUN
ajfti-3193	89	15	ratios	ratio	NOUN
ajfti-3193	89	16	to	to	PART
ajfti-3193	89	17	meet	meet	VERB
ajfti-3193	89	18	regulatory	regulatory	ADJ
ajfti-3193	89	19	requirements	requirement	NOUN
ajfti-3193	89	20	and	and	CCONJ
ajfti-3193	89	21	to	to	PART
ajfti-3193	89	22	mitigate	mitigate	VERB
ajfti-3193	89	23	the	the	DET
ajfti-3193	89	24	risks	risk	NOUN
ajfti-3193	89	25	of	of	ADP
ajfti-3193	89	26	getting	getting	AUX
ajfti-3193	89	27	penalized	penalize	VERB
ajfti-3193	89	28	for	for	ADP
ajfti-3193	89	29	violations	violation	NOUN
ajfti-3193	89	30	(	(	PUNCT
ajfti-3193	89	31	gropp	gropp	NOUN
ajfti-3193	89	32	and	and	CCONJ
ajfti-3193	89	33	heider	heider	NOUN
ajfti-3193	89	34	.	.	PUNCT
ajfti-3193	89	35	,	,	PUNCT
ajfti-3193	89	36	2010	2010	NUM
ajfti-3193	89	37	)	)	PUNCT
ajfti-3193	89	38	.	.	PUNCT
ajfti-3193	90	1	lee	lee	PROPN
ajfti-3193	90	2	and	and	CCONJ
ajfti-3193	90	3	hsieh	hsieh	PROPN
ajfti-3193	90	4	(	(	PUNCT
ajfti-3193	90	5	2013	2013	NUM
ajfti-3193	90	6	)	)	PUNCT
ajfti-3193	90	7	examined	examine	VERB
ajfti-3193	90	8	the	the	DET
ajfti-3193	90	9	causal	causal	ADJ
ajfti-3193	90	10	links	link	NOUN
ajfti-3193	90	11	between	between	ADP
ajfti-3193	90	12	economic	economic	ADJ
ajfti-3193	90	13	conditions	condition	NOUN
ajfti-3193	90	14	and	and	CCONJ
ajfti-3193	90	15	monetary	monetary	ADJ
ajfti-3193	90	16	policy	policy	NOUN
ajfti-3193	90	17	and	and	CCONJ
ajfti-3193	90	18	bank	bank	NOUN
ajfti-3193	90	19	performance	performance	NOUN
ajfti-3193	90	20	and	and	CCONJ
ajfti-3193	90	21	risk	risk	NOUN
ajfti-3193	90	22	-	-	PUNCT
ajfti-3193	90	23	taking	taking	NOUN
ajfti-3193	90	24	in	in	ADP
ajfti-3193	90	25	asia	asia	PROPN
ajfti-3193	90	26	–	–	PUNCT
ajfti-3193	90	27	pacific	pacific	PROPN
ajfti-3193	90	28	.	.	PUNCT
ajfti-3193	91	1	they	they	PRON
ajfti-3193	91	2	found	find	VERB
ajfti-3193	91	3	that	that	SCONJ
ajfti-3193	91	4	banks	bank	NOUN
ajfti-3193	91	5	’	’	PART
ajfti-3193	91	6	risk	risk	NOUN
ajfti-3193	91	7	management	management	NOUN
ajfti-3193	91	8	strategies	strategy	NOUN
ajfti-3193	91	9	and	and	CCONJ
ajfti-3193	91	10	financing	financing	NOUN
ajfti-3193	91	11	choices	choice	NOUN
ajfti-3193	91	12	in	in	ADP
ajfti-3193	91	13	emerging	emerge	VERB
ajfti-3193	91	14	asian	asian	ADJ
ajfti-3193	91	15	economies	economy	NOUN
ajfti-3193	91	16	were	be	AUX
ajfti-3193	91	17	often	often	ADV
ajfti-3193	91	18	shaped	shape	VERB
ajfti-3193	91	19	by	by	ADP
ajfti-3193	91	20	factors	factor	NOUN
ajfti-3193	91	21	such	such	ADJ
ajfti-3193	91	22	as	as	ADP
ajfti-3193	91	23	rapid	rapid	ADJ
ajfti-3193	91	24	economic	economic	ADJ
ajfti-3193	91	25	growth	growth	NOUN
ajfti-3193	91	26	and	and	CCONJ
ajfti-3193	91	27	regulatory	regulatory	ADJ
ajfti-3193	91	28	change	change	NOUN
ajfti-3193	91	29	.	.	PUNCT
ajfti-3193	92	1	they	they	PRON
ajfti-3193	92	2	concluded	conclude	VERB
ajfti-3193	92	3	that	that	SCONJ
ajfti-3193	92	4	high	high	ADJ
ajfti-3193	92	5	economic	economic	ADJ
ajfti-3193	92	6	and	and	CCONJ
ajfti-3193	92	7	regulatory	regulatory	ADJ
ajfti-3193	92	8	instability	instability	NOUN
ajfti-3193	92	9	usually	usually	ADV
ajfti-3193	92	10	prompted	prompt	VERB
ajfti-3193	92	11	banks	bank	NOUN
ajfti-3193	92	12	to	to	PART
ajfti-3193	92	13	manage	manage	VERB
ajfti-3193	92	14	credit	credit	NOUN
ajfti-3193	92	15	risk	risk	NOUN
ajfti-3193	92	16	by	by	ADP
ajfti-3193	92	17	taking	take	VERB
ajfti-3193	92	18	a	a	DET
ajfti-3193	92	19	more	more	ADV
ajfti-3193	92	20	cautious	cautious	ADJ
ajfti-3193	92	21	approach	approach	NOUN
ajfti-3193	92	22	to	to	ADP
ajfti-3193	92	23	credit	credit	NOUN
ajfti-3193	92	24	funding	funding	NOUN
ajfti-3193	92	25	(	(	PUNCT
ajfti-3193	92	26	lee	lee	PROPN
ajfti-3193	92	27	and	and	CCONJ
ajfti-3193	92	28	hsieh	hsieh	PROPN
ajfti-3193	92	29	,	,	PUNCT
ajfti-3193	92	30	2013	2013	NUM
ajfti-3193	92	31	)	)	PUNCT
ajfti-3193	92	32	.	.	PUNCT
ajfti-3193	93	1	de	de	X
ajfti-3193	93	2	jonghe	jonghe	PROPN
ajfti-3193	93	3	,	,	PUNCT
ajfti-3193	93	4	dewachter	dewachter	NOUN
ajfti-3193	93	5	,	,	PUNCT
ajfti-3193	93	6	and	and	CCONJ
ajfti-3193	93	7	ongena	ongena	PROPN
ajfti-3193	93	8	(	(	PUNCT
ajfti-3193	93	9	2020	2020	NUM
ajfti-3193	93	10	)	)	PUNCT
ajfti-3193	93	11	explained	explain	VERB
ajfti-3193	93	12	how	how	SCONJ
ajfti-3193	93	13	changes	change	NOUN
ajfti-3193	93	14	in	in	ADP
ajfti-3193	93	15	the	the	DET
ajfti-3193	93	16	economy	economy	NOUN
ajfti-3193	93	17	and	and	CCONJ
ajfti-3193	93	18	regulations	regulation	NOUN
ajfti-3193	93	19	affect	affect	VERB
ajfti-3193	93	20	the	the	DET
ajfti-3193	93	21	capital	capital	NOUN
ajfti-3193	93	22	structure	structure	NOUN
ajfti-3193	93	23	of	of	ADP
ajfti-3193	93	24	banks	bank	NOUN
ajfti-3193	93	25	.	.	PUNCT
ajfti-3193	94	1	they	they	PRON
ajfti-3193	94	2	discovered	discover	VERB
ajfti-3193	94	3	that	that	SCONJ
ajfti-3193	94	4	banks	bank	NOUN
ajfti-3193	94	5	have	have	AUX
ajfti-3193	94	6	been	be	AUX
ajfti-3193	94	7	observed	observe	VERB
ajfti-3193	94	8	to	to	PART
ajfti-3193	94	9	raise	raise	VERB
ajfti-3193	94	10	capital	capital	NOUN
ajfti-3193	94	11	buffers	buffer	NOUN
ajfti-3193	94	12	during	during	ADP
ajfti-3193	94	13	economic	economic	ADJ
ajfti-3193	94	14	instability	instability	NOUN
ajfti-3193	94	15	and	and	CCONJ
ajfti-3193	94	16	heightened	heighten	VERB
ajfti-3193	94	17	regulatory	regulatory	ADJ
ajfti-3193	94	18	pressure	pressure	NOUN
ajfti-3193	94	19	.	.	PUNCT
ajfti-3193	95	1	yet	yet	ADV
ajfti-3193	95	2	,	,	PUNCT
ajfti-3193	95	3	banks	bank	NOUN
ajfti-3193	95	4	face	face	VERB
ajfti-3193	95	5	a	a	DET
ajfti-3193	95	6	tradeoff	tradeoff	NOUN
ajfti-3193	95	7	between	between	ADP
ajfti-3193	95	8	the	the	DET
ajfti-3193	95	9	benefits	benefit	NOUN
ajfti-3193	95	10	of	of	ADP
ajfti-3193	95	11	debt	debt	NOUN
ajfti-3193	95	12	financing	financing	NOUN
ajfti-3193	95	13	and	and	CCONJ
ajfti-3193	95	14	the	the	DET
ajfti-3193	95	15	costs	cost	NOUN
ajfti-3193	95	16	of	of	ADP
ajfti-3193	95	17	financial	financial	ADJ
ajfti-3193	95	18	distress	distress	NOUN
ajfti-3193	95	19	and	and	CCONJ
ajfti-3193	95	20	regulatory	regulatory	ADJ
ajfti-3193	95	21	sanctions	sanction	NOUN
ajfti-3193	95	22	pa	pa	PROPN
ajfti-3193	95	23	ge	ge	PROPN
ajfti-3193	95	24	36	36	NUM
ajfti-3193	95	25	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	95	26	am	be	AUX
ajfti-3193	95	27	.	.	PUNCT
ajfti-3193	96	1	j.	j.	PROPN
ajfti-3193	96	2	financ	financ	PROPN
ajfti-3193	96	3	.	.	PUNCT
ajfti-3193	97	1	technol	technol	PROPN
ajfti-3193	97	2	.	.	PUNCT
ajfti-3193	97	3	innov	innov	PROPN
ajfti-3193	97	4	.	.	PUNCT
ajfti-3193	98	1	2(1	2(1	NUM
ajfti-3193	98	2	)	)	PUNCT
ajfti-3193	98	3	33	33	NUM
ajfti-3193	98	4	-	-	SYM
ajfti-3193	98	5	43	43	NUM
ajfti-3193	98	6	,	,	PUNCT
ajfti-3193	98	7	2024	2024	NUM
ajfti-3193	98	8	(	(	PUNCT
ajfti-3193	98	9	de	de	X
ajfti-3193	98	10	jonghe	jonghe	PROPN
ajfti-3193	98	11	et	et	PROPN
ajfti-3193	98	12	al	al	PROPN
ajfti-3193	98	13	.	.	PROPN
ajfti-3193	98	14	,	,	PUNCT
ajfti-3193	98	15	2020	2020	NUM
ajfti-3193	98	16	)	)	PUNCT
ajfti-3193	98	17	.	.	PUNCT
ajfti-3193	99	1	naughton	naughton	PROPN
ajfti-3193	99	2	and	and	CCONJ
ajfti-3193	99	3	veeramani	veeramani	PROPN
ajfti-3193	99	4	(	(	PUNCT
ajfti-3193	99	5	2020	2020	NUM
ajfti-3193	99	6	)	)	PUNCT
ajfti-3193	99	7	explored	explore	VERB
ajfti-3193	99	8	how	how	SCONJ
ajfti-3193	99	9	big	big	ADJ
ajfti-3193	99	10	data	datum	NOUN
ajfti-3193	99	11	and	and	CCONJ
ajfti-3193	99	12	technological	technological	ADJ
ajfti-3193	99	13	solutions	solution	NOUN
ajfti-3193	99	14	reshape	reshape	VERB
ajfti-3193	99	15	risk	risk	NOUN
ajfti-3193	99	16	management	management	NOUN
ajfti-3193	99	17	practices	practice	NOUN
ajfti-3193	99	18	.	.	PUNCT
ajfti-3193	100	1	also	also	ADV
ajfti-3193	100	2	,	,	PUNCT
ajfti-3193	100	3	they	they	PRON
ajfti-3193	100	4	concluded	conclude	VERB
ajfti-3193	100	5	that	that	SCONJ
ajfti-3193	100	6	banks	bank	NOUN
ajfti-3193	100	7	using	use	VERB
ajfti-3193	100	8	the	the	DET
ajfti-3193	100	9	most	most	ADV
ajfti-3193	100	10	sophisticated	sophisticated	ADJ
ajfti-3193	100	11	analytics	analytic	NOUN
ajfti-3193	100	12	and	and	CCONJ
ajfti-3193	100	13	machine	machine	NOUN
ajfti-3193	100	14	learning	learning	NOUN
ajfti-3193	100	15	technology	technology	NOUN
ajfti-3193	100	16	have	have	VERB
ajfti-3193	100	17	better	well	ADJ
ajfti-3193	100	18	tools	tool	NOUN
ajfti-3193	100	19	to	to	PART
ajfti-3193	100	20	recognize	recognize	VERB
ajfti-3193	100	21	and	and	CCONJ
ajfti-3193	100	22	manage	manage	VERB
ajfti-3193	100	23	risk	risk	NOUN
ajfti-3193	100	24	,	,	PUNCT
ajfti-3193	100	25	thus	thus	ADV
ajfti-3193	100	26	making	make	VERB
ajfti-3193	100	27	those	those	DET
ajfti-3193	100	28	banks	bank	NOUN
ajfti-3193	100	29	more	more	ADV
ajfti-3193	100	30	stable	stable	ADJ
ajfti-3193	100	31	and	and	CCONJ
ajfti-3193	100	32	less	less	ADV
ajfti-3193	100	33	likely	likely	ADJ
ajfti-3193	100	34	to	to	PART
ajfti-3193	100	35	fail	fail	VERB
ajfti-3193	100	36	(	(	PUNCT
ajfti-3193	100	37	naughton	naughton	NOUN
ajfti-3193	100	38	and	and	CCONJ
ajfti-3193	100	39	veeramani	veeramani	PROPN
ajfti-3193	100	40	,	,	PUNCT
ajfti-3193	100	41	2020	2020	NUM
ajfti-3193	100	42	)	)	PUNCT
ajfti-3193	100	43	.	.	PUNCT
ajfti-3193	101	1	uch	uch	PROPN
ajfti-3193	101	2	and	and	CCONJ
ajfti-3193	101	3	goldberg	goldberg	PROPN
ajfti-3193	101	4	(	(	PUNCT
ajfti-3193	101	5	2020	2020	NUM
ajfti-3193	101	6	)	)	PUNCT
ajfti-3193	101	7	examined	examine	VERB
ajfti-3193	101	8	the	the	DET
ajfti-3193	101	9	impact	impact	NOUN
ajfti-3193	101	10	of	of	ADP
ajfti-3193	101	11	post	post	ADJ
ajfti-3193	101	12	-	-	ADJ
ajfti-3193	101	13	crisis	crisis	ADJ
ajfti-3193	101	14	regulatory	regulatory	ADJ
ajfti-3193	101	15	reforms	reform	NOUN
ajfti-3193	101	16	on	on	ADP
ajfti-3193	101	17	global	global	ADJ
ajfti-3193	101	18	banks	bank	NOUN
ajfti-3193	101	19	’	’	PART
ajfti-3193	101	20	capital	capital	NOUN
ajfti-3193	101	21	requirements	requirement	NOUN
ajfti-3193	101	22	and	and	CCONJ
ajfti-3193	101	23	risks	risk	NOUN
ajfti-3193	101	24	.	.	PUNCT
ajfti-3193	102	1	they	they	PRON
ajfti-3193	102	2	also	also	ADV
ajfti-3193	102	3	concluded	conclude	VERB
ajfti-3193	102	4	that	that	SCONJ
ajfti-3193	102	5	although	although	SCONJ
ajfti-3193	102	6	banking	banking	NOUN
ajfti-3193	102	7	regulation	regulation	NOUN
ajfti-3193	102	8	has	have	AUX
ajfti-3193	102	9	strengthened	strengthen	VERB
ajfti-3193	102	10	banks	bank	NOUN
ajfti-3193	102	11	’	'	PUNCT
ajfti-3193	102	12	stability	stability	NOUN
ajfti-3193	102	13	,	,	PUNCT
ajfti-3193	102	14	it	it	PRON
ajfti-3193	102	15	limits	limit	VERB
ajfti-3193	102	16	their	their	PRON
ajfti-3193	102	17	opportunities	opportunity	NOUN
ajfti-3193	102	18	for	for	ADP
ajfti-3193	102	19	risk	risk	NOUN
ajfti-3193	102	20	-	-	PUNCT
ajfti-3193	102	21	taking	taking	NOUN
ajfti-3193	102	22	and	and	CCONJ
ajfti-3193	102	23	high	high	ADJ
ajfti-3193	102	24	-	-	PUNCT
ajfti-3193	102	25	risk	risk	NOUN
ajfti-3193	102	26	/	/	SYM
ajfti-3193	102	27	high	high	ADJ
ajfti-3193	102	28	-	-	PUNCT
ajfti-3193	102	29	return	return	NOUN
ajfti-3193	102	30	transactions	transaction	NOUN
ajfti-3193	102	31	,	,	PUNCT
ajfti-3193	102	32	affecting	affect	VERB
ajfti-3193	102	33	banks	bank	NOUN
ajfti-3193	102	34	’	'	PUNCT
ajfti-3193	102	35	performance	performance	NOUN
ajfti-3193	102	36	and	and	CCONJ
ajfti-3193	102	37	their	their	PRON
ajfti-3193	102	38	strategic	strategic	ADJ
ajfti-3193	102	39	choices	choice	NOUN
ajfti-3193	102	40	(	(	PUNCT
ajfti-3193	102	41	uch	uch	NOUN
ajfti-3193	102	42	and	and	CCONJ
ajfti-3193	102	43	goldberg	goldberg	PROPN
ajfti-3193	102	44	.	.	PROPN
ajfti-3193	102	45	,	,	PUNCT
ajfti-3193	102	46	2020	2020	NUM
ajfti-3193	102	47	)	)	PUNCT
ajfti-3193	102	48	.	.	PUNCT
ajfti-3193	103	1	a	a	DET
ajfti-3193	103	2	recent	recent	ADJ
ajfti-3193	103	3	study	study	NOUN
ajfti-3193	103	4	by	by	ADP
ajfti-3193	103	5	crouhy	crouhy	NOUN
ajfti-3193	103	6	,	,	PUNCT
ajfti-3193	103	7	jarrow	jarrow	PROPN
ajfti-3193	103	8	,	,	PUNCT
ajfti-3193	103	9	and	and	CCONJ
ajfti-3193	103	10	turnbull	turnbull	PROPN
ajfti-3193	103	11	(	(	PUNCT
ajfti-3193	103	12	2018	2018	NUM
ajfti-3193	103	13	)	)	PUNCT
ajfti-3193	103	14	focused	focus	VERB
ajfti-3193	103	15	on	on	ADP
ajfti-3193	103	16	the	the	DET
ajfti-3193	103	17	systemic	systemic	ADJ
ajfti-3193	103	18	risk	risk	NOUN
ajfti-3193	103	19	hazards	hazard	NOUN
ajfti-3193	103	20	due	due	ADP
ajfti-3193	103	21	to	to	ADP
ajfti-3193	103	22	interconnected	interconnected	ADJ
ajfti-3193	103	23	banking	banking	NOUN
ajfti-3193	103	24	networks	network	NOUN
ajfti-3193	103	25	.	.	PUNCT
ajfti-3193	104	1	they	they	PRON
ajfti-3193	104	2	claimed	claim	VERB
ajfti-3193	104	3	that	that	SCONJ
ajfti-3193	104	4	although	although	SCONJ
ajfti-3193	104	5	interdependence	interdependence	NOUN
ajfti-3193	104	6	enhances	enhance	VERB
ajfti-3193	104	7	risk	risk	NOUN
ajfti-3193	104	8	diversification	diversification	NOUN
ajfti-3193	104	9	and	and	CCONJ
ajfti-3193	104	10	operating	operating	NOUN
ajfti-3193	104	11	efficiency	efficiency	NOUN
ajfti-3193	104	12	,	,	PUNCT
ajfti-3193	104	13	it	it	PRON
ajfti-3193	104	14	amplifies	amplify	VERB
ajfti-3193	104	15	the	the	DET
ajfti-3193	104	16	risk	risk	NOUN
ajfti-3193	104	17	of	of	ADP
ajfti-3193	104	18	contagion	contagion	NOUN
ajfti-3193	104	19	and	and	CCONJ
ajfti-3193	104	20	,	,	PUNCT
ajfti-3193	104	21	therefore	therefore	ADV
ajfti-3193	104	22	,	,	PUNCT
ajfti-3193	104	23	requires	require	VERB
ajfti-3193	104	24	effective	effective	ADJ
ajfti-3193	104	25	risk	risk	NOUN
ajfti-3193	104	26	governance	governance	NOUN
ajfti-3193	104	27	and	and	CCONJ
ajfti-3193	104	28	supervisory	supervisory	ADJ
ajfti-3193	104	29	processes	process	NOUN
ajfti-3193	104	30	to	to	PART
ajfti-3193	104	31	mitigate	mitigate	VERB
ajfti-3193	104	32	the	the	DET
ajfti-3193	104	33	possibility	possibility	NOUN
ajfti-3193	104	34	of	of	ADP
ajfti-3193	104	35	banking	banking	NOUN
ajfti-3193	104	36	panics	panic	NOUN
ajfti-3193	104	37	or	or	CCONJ
ajfti-3193	104	38	systemic	systemic	ADJ
ajfti-3193	104	39	distress	distress	NOUN
ajfti-3193	104	40	in	in	ADP
ajfti-3193	104	41	the	the	DET
ajfti-3193	104	42	banking	banking	NOUN
ajfti-3193	104	43	sector	sector	NOUN
ajfti-3193	104	44	(	(	PUNCT
ajfti-3193	104	45	crouhy	crouhy	NOUN
ajfti-3193	104	46	et	et	PROPN
ajfti-3193	104	47	al	al	PROPN
ajfti-3193	104	48	.	.	PROPN
ajfti-3193	104	49	,	,	PUNCT
ajfti-3193	104	50	2018	2018	NUM
ajfti-3193	104	51	)	)	PUNCT
ajfti-3193	104	52	.	.	PUNCT
ajfti-3193	105	1	challenges	challenge	NOUN
ajfti-3193	105	2	in	in	ADP
ajfti-3193	105	3	the	the	DET
ajfti-3193	105	4	banking	banking	NOUN
ajfti-3193	105	5	sector	sector	NOUN
ajfti-3193	105	6	of	of	ADP
ajfti-3193	105	7	arar	arar	PROPN
ajfti-3193	105	8	arar	arar	PROPN
ajfti-3193	105	9	saudi	saudi	PROPN
ajfti-3193	105	10	banks	bank	NOUN
ajfti-3193	105	11	are	be	AUX
ajfti-3193	105	12	exposed	expose	VERB
ajfti-3193	105	13	to	to	ADP
ajfti-3193	105	14	several	several	ADJ
ajfti-3193	105	15	challenges	challenge	NOUN
ajfti-3193	105	16	that	that	SCONJ
ajfti-3193	105	17	the	the	DET
ajfti-3193	105	18	area	area	NOUN
ajfti-3193	105	19	’s	’s	PART
ajfti-3193	105	20	economic	economic	ADJ
ajfti-3193	105	21	performance	performance	NOUN
ajfti-3193	105	22	has	have	AUX
ajfti-3193	105	23	influenced	influence	VERB
ajfti-3193	105	24	,	,	PUNCT
ajfti-3193	105	25	the	the	DET
ajfti-3193	105	26	policies	policy	NOUN
ajfti-3193	105	27	applied	apply	VERB
ajfti-3193	105	28	to	to	PART
ajfti-3193	105	29	protect	protect	VERB
ajfti-3193	105	30	the	the	DET
ajfti-3193	105	31	banking	banking	NOUN
ajfti-3193	105	32	sector	sector	NOUN
ajfti-3193	105	33	,	,	PUNCT
ajfti-3193	105	34	and	and	CCONJ
ajfti-3193	105	35	the	the	DET
ajfti-3193	105	36	developments	development	NOUN
ajfti-3193	105	37	in	in	ADP
ajfti-3193	105	38	banking	banking	NOUN
ajfti-3193	105	39	technology	technology	NOUN
ajfti-3193	105	40	.	.	PUNCT
ajfti-3193	106	1	recent	recent	ADJ
ajfti-3193	106	2	literature	literature	NOUN
ajfti-3193	106	3	identifies	identify	VERB
ajfti-3193	106	4	these	these	DET
ajfti-3193	106	5	issues	issue	NOUN
ajfti-3193	106	6	and	and	CCONJ
ajfti-3193	106	7	focuses	focus	VERB
ajfti-3193	106	8	on	on	ADP
ajfti-3193	106	9	the	the	DET
ajfti-3193	106	10	effective	effective	ADJ
ajfti-3193	106	11	role	role	NOUN
ajfti-3193	106	12	of	of	ADP
ajfti-3193	106	13	economic	economic	ADJ
ajfti-3193	106	14	diversification	diversification	NOUN
ajfti-3193	106	15	efforts	effort	NOUN
ajfti-3193	106	16	after	after	ADP
ajfti-3193	106	17	the	the	DET
ajfti-3193	106	18	2030	2030	NUM
ajfti-3193	106	19	vision	vision	NOUN
ajfti-3193	106	20	of	of	ADP
ajfti-3193	106	21	the	the	DET
ajfti-3193	106	22	kingdom	kingdom	NOUN
ajfti-3193	106	23	of	of	ADP
ajfti-3193	106	24	saudi	saudi	PROPN
ajfti-3193	106	25	arabia	arabia	PROPN
ajfti-3193	106	26	,	,	PUNCT
ajfti-3193	106	27	which	which	PRON
ajfti-3193	106	28	targets	target	VERB
ajfti-3193	106	29	reducing	reduce	VERB
ajfti-3193	106	30	economic	economic	ADJ
ajfti-3193	106	31	dependency	dependency	NOUN
ajfti-3193	106	32	on	on	ADP
ajfti-3193	106	33	oil	oil	NOUN
ajfti-3193	106	34	and	and	CCONJ
ajfti-3193	106	35	boosting	boost	VERB
ajfti-3193	106	36	other	other	ADJ
ajfti-3193	106	37	sectors	sector	NOUN
ajfti-3193	106	38	(	(	PUNCT
ajfti-3193	106	39	khan	khan	PROPN
ajfti-3193	106	40	&	&	CCONJ
ajfti-3193	106	41	khan	khan	PROPN
ajfti-3193	106	42	,	,	PUNCT
ajfti-3193	106	43	2019	2019	NUM
ajfti-3193	106	44	)	)	PUNCT
ajfti-3193	106	45	.	.	PUNCT
ajfti-3193	107	1	it	it	PRON
ajfti-3193	107	2	is	be	AUX
ajfti-3193	107	3	difficult	difficult	ADJ
ajfti-3193	107	4	for	for	SCONJ
ajfti-3193	107	5	banks	bank	NOUN
ajfti-3193	107	6	in	in	ADP
ajfti-3193	107	7	saudi	saudi	PROPN
ajfti-3193	107	8	arabia	arabia	PROPN
ajfti-3193	107	9	to	to	PART
ajfti-3193	107	10	implement	implement	VERB
ajfti-3193	107	11	stricter	strict	ADJ
ajfti-3193	107	12	operation	operation	NOUN
ajfti-3193	107	13	standards	standard	NOUN
ajfti-3193	107	14	on	on	ADP
ajfti-3193	107	15	regulatory	regulatory	ADJ
ajfti-3193	107	16	compliance	compliance	NOUN
ajfti-3193	107	17	and	and	CCONJ
ajfti-3193	107	18	basel	basel	PROPN
ajfti-3193	107	19	iii	iii	PROPN
ajfti-3193	107	20	stipulated	stipulate	VERB
ajfti-3193	107	21	by	by	ADP
ajfti-3193	107	22	sama	sama	NOUN
ajfti-3193	107	23	while	while	SCONJ
ajfti-3193	107	24	having	have	VERB
ajfti-3193	107	25	to	to	PART
ajfti-3193	107	26	strengthen	strengthen	VERB
ajfti-3193	107	27	their	their	PRON
ajfti-3193	107	28	capital	capital	NOUN
ajfti-3193	107	29	adequacy	adequacy	NOUN
ajfti-3193	107	30	and	and	CCONJ
ajfti-3193	107	31	risk	risk	NOUN
ajfti-3193	107	32	management	management	NOUN
ajfti-3193	107	33	activities	activity	NOUN
ajfti-3193	107	34	(	(	PUNCT
ajfti-3193	107	35	al	al	PROPN
ajfti-3193	107	36	-	-	PUNCT
ajfti-3193	107	37	hassan	hassan	PROPN
ajfti-3193	107	38	,	,	PUNCT
ajfti-3193	107	39	khamis	khamis	PROPN
ajfti-3193	107	40	,	,	PUNCT
ajfti-3193	107	41	&	&	CCONJ
ajfti-3193	107	42	oulidi	oulidi	VERB
ajfti-3193	107	43	,	,	PUNCT
ajfti-3193	107	44	2020	2020	NUM
ajfti-3193	107	45	)	)	PUNCT
ajfti-3193	107	46	.	.	PUNCT
ajfti-3193	108	1	diversification	diversification	NOUN
ajfti-3193	108	2	also	also	ADV
ajfti-3193	108	3	requires	require	VERB
ajfti-3193	108	4	implementing	implement	VERB
ajfti-3193	108	5	changed	change	VERB
ajfti-3193	108	6	technology	technology	NOUN
ajfti-3193	108	7	in	in	ADP
ajfti-3193	108	8	the	the	DET
ajfti-3193	108	9	type	type	NOUN
ajfti-3193	108	10	and	and	CCONJ
ajfti-3193	108	11	form	form	NOUN
ajfti-3193	108	12	of	of	ADP
ajfti-3193	108	13	the	the	DET
ajfti-3193	108	14	new	new	ADJ
ajfti-3193	108	15	avenues	avenue	NOUN
ajfti-3193	108	16	of	of	ADP
ajfti-3193	108	17	business	business	NOUN
ajfti-3193	108	18	in	in	ADP
ajfti-3193	108	19	terms	term	NOUN
ajfti-3193	108	20	of	of	ADP
ajfti-3193	108	21	digital	digital	ADJ
ajfti-3193	108	22	banking	banking	NOUN
ajfti-3193	108	23	and	and	CCONJ
ajfti-3193	108	24	strengthening	strengthen	VERB
ajfti-3193	108	25	the	the	DET
ajfti-3193	108	26	security	security	NOUN
ajfti-3193	108	27	of	of	ADP
ajfti-3193	108	28	transactions	transaction	NOUN
ajfti-3193	108	29	,	,	PUNCT
ajfti-3193	108	30	which	which	PRON
ajfti-3193	108	31	benefits	benefit	VERB
ajfti-3193	108	32	from	from	ADP
ajfti-3193	108	33	significant	significant	ADJ
ajfti-3193	108	34	investment	investment	NOUN
ajfti-3193	108	35	in	in	ADP
ajfti-3193	108	36	new	new	ADJ
ajfti-3193	108	37	systems	system	NOUN
ajfti-3193	108	38	and	and	CCONJ
ajfti-3193	108	39	infrastructure	infrastructure	NOUN
ajfti-3193	108	40	and	and	CCONJ
ajfti-3193	108	41	,	,	PUNCT
ajfti-3193	108	42	in	in	ADP
ajfti-3193	108	43	a	a	DET
ajfti-3193	108	44	way	way	NOUN
ajfti-3193	108	45	,	,	PUNCT
ajfti-3193	108	46	leads	lead	VERB
ajfti-3193	108	47	to	to	ADP
ajfti-3193	108	48	the	the	DET
ajfti-3193	108	49	financial	financial	ADJ
ajfti-3193	108	50	and	and	CCONJ
ajfti-3193	108	51	human	human	ADJ
ajfti-3193	108	52	resource	resource	NOUN
ajfti-3193	108	53	strain	strain	NOUN
ajfti-3193	108	54	(	(	PUNCT
ajfti-3193	108	55	almazari	almazari	ADJ
ajfti-3193	108	56	2018	2018	NUM
ajfti-3193	108	57	)	)	PUNCT
ajfti-3193	108	58	.	.	PUNCT
ajfti-3193	109	1	besides	besides	SCONJ
ajfti-3193	109	2	,	,	PUNCT
ajfti-3193	109	3	banks	bank	NOUN
ajfti-3193	109	4	in	in	ADP
ajfti-3193	109	5	arar	arar	PROPN
ajfti-3193	109	6	must	must	AUX
ajfti-3193	109	7	face	face	VERB
ajfti-3193	109	8	more	more	ADJ
ajfti-3193	109	9	competition	competition	NOUN
ajfti-3193	109	10	from	from	ADP
ajfti-3193	109	11	national	national	ADJ
ajfti-3193	109	12	and	and	CCONJ
ajfti-3193	109	13	international	international	ADJ
ajfti-3193	109	14	banks	bank	NOUN
ajfti-3193	109	15	to	to	PART
ajfti-3193	109	16	gain	gain	VERB
ajfti-3193	109	17	market	market	NOUN
ajfti-3193	109	18	share	share	NOUN
ajfti-3193	109	19	;	;	PUNCT
ajfti-3193	109	20	thus	thus	ADV
ajfti-3193	109	21	,	,	PUNCT
ajfti-3193	109	22	they	they	PRON
ajfti-3193	109	23	need	need	VERB
ajfti-3193	109	24	to	to	PART
ajfti-3193	109	25	distinguish	distinguish	VERB
ajfti-3193	109	26	their	their	PRON
ajfti-3193	109	27	services	service	NOUN
ajfti-3193	109	28	in	in	ADP
ajfti-3193	109	29	a	a	DET
ajfti-3193	109	30	smaller	small	ADJ
ajfti-3193	109	31	and	and	CCONJ
ajfti-3193	109	32	less	less	ADV
ajfti-3193	109	33	dynamic	dynamic	ADJ
ajfti-3193	109	34	economy	economy	NOUN
ajfti-3193	109	35	than	than	ADP
ajfti-3193	109	36	the	the	DET
ajfti-3193	109	37	regional	regional	ADJ
ajfti-3193	109	38	economy	economy	NOUN
ajfti-3193	109	39	overall	overall	ADJ
ajfti-3193	109	40	(	(	PUNCT
ajfti-3193	109	41	aldeen	aldeen	ADJ
ajfti-3193	109	42	,	,	PUNCT
ajfti-3193	109	43	2020	2020	NUM
ajfti-3193	109	44	)	)	PUNCT
ajfti-3193	109	45	.	.	PUNCT
ajfti-3193	110	1	the	the	DET
ajfti-3193	110	2	need	need	NOUN
ajfti-3193	110	3	to	to	PART
ajfti-3193	110	4	support	support	VERB
ajfti-3193	110	5	developing	develop	VERB
ajfti-3193	110	6	local	local	ADJ
ajfti-3193	110	7	economies	economy	NOUN
ajfti-3193	110	8	and	and	CCONJ
ajfti-3193	110	9	financial	financial	ADJ
ajfti-3193	110	10	inclusiveness	inclusiveness	NOUN
ajfti-3193	110	11	of	of	ADP
ajfti-3193	110	12	certain	certain	ADJ
ajfti-3193	110	13	population	population	NOUN
ajfti-3193	110	14	segments	segment	NOUN
ajfti-3193	110	15	further	far	ADV
ajfti-3193	110	16	adds	add	VERB
ajfti-3193	110	17	to	to	ADP
ajfti-3193	110	18	the	the	DET
ajfti-3193	110	19	complexity	complexity	NOUN
ajfti-3193	110	20	of	of	ADP
ajfti-3193	110	21	the	the	DET
ajfti-3193	110	22	overall	overall	ADJ
ajfti-3193	110	23	operating	operating	NOUN
ajfti-3193	110	24	conditions	condition	NOUN
ajfti-3193	110	25	as	as	SCONJ
ajfti-3193	110	26	these	these	DET
ajfti-3193	110	27	companies	company	NOUN
ajfti-3193	110	28	have	have	VERB
ajfti-3193	110	29	to	to	PART
ajfti-3193	110	30	launch	launch	VERB
ajfti-3193	110	31	products	product	NOUN
ajfti-3193	110	32	and	and	CCONJ
ajfti-3193	110	33	services	service	NOUN
ajfti-3193	110	34	that	that	PRON
ajfti-3193	110	35	respond	respond	VERB
ajfti-3193	110	36	to	to	ADP
ajfti-3193	110	37	the	the	DET
ajfti-3193	110	38	particular	particular	ADJ
ajfti-3193	110	39	needs	need	NOUN
ajfti-3193	110	40	of	of	ADP
ajfti-3193	110	41	a	a	DET
ajfti-3193	110	42	specific	specific	ADJ
ajfti-3193	110	43	local	local	ADJ
ajfti-3193	110	44	population	population	NOUN
ajfti-3193	110	45	segment	segment	NOUN
ajfti-3193	110	46	,	,	PUNCT
ajfti-3193	110	47	including	include	VERB
ajfti-3193	110	48	underbanked	underbanked	ADJ
ajfti-3193	110	49	ones	one	NOUN
ajfti-3193	110	50	(	(	PUNCT
ajfti-3193	110	51	alkhatib	alkhatib	PROPN
ajfti-3193	110	52	,	,	PUNCT
ajfti-3193	110	53	2018	2018	NUM
ajfti-3193	110	54	)	)	PUNCT
ajfti-3193	110	55	.	.	PUNCT
ajfti-3193	111	1	these	these	DET
ajfti-3193	111	2	interrelated	interrelated	ADJ
ajfti-3193	111	3	issues	issue	NOUN
ajfti-3193	111	4	highlight	highlight	VERB
ajfti-3193	111	5	the	the	DET
ajfti-3193	111	6	dynamics	dynamic	NOUN
ajfti-3193	111	7	of	of	ADP
ajfti-3193	111	8	banking	banking	NOUN
ajfti-3193	111	9	in	in	ADP
ajfti-3193	111	10	arar	arar	PROPN
ajfti-3193	111	11	and	and	CCONJ
ajfti-3193	111	12	the	the	DET
ajfti-3193	111	13	need	need	NOUN
ajfti-3193	111	14	for	for	ADP
ajfti-3193	111	15	risk	risk	NOUN
ajfti-3193	111	16	assessment	assessment	NOUN
ajfti-3193	111	17	and	and	CCONJ
ajfti-3193	111	18	strategic	strategic	ADJ
ajfti-3193	111	19	planning	planning	NOUN
ajfti-3193	111	20	to	to	PART
ajfti-3193	111	21	be	be	AUX
ajfti-3193	111	22	multifaceted	multifacete	VERB
ajfti-3193	111	23	.	.	PUNCT
ajfti-3193	112	1	hypotheses	hypothesis	NOUN
ajfti-3193	112	2	development	development	NOUN
ajfti-3193	112	3	h1	h1	NOUN
ajfti-3193	112	4	there	there	PRON
ajfti-3193	112	5	is	be	VERB
ajfti-3193	112	6	a	a	DET
ajfti-3193	112	7	significant	significant	ADJ
ajfti-3193	112	8	positive	positive	ADJ
ajfti-3193	112	9	relationship	relationship	NOUN
ajfti-3193	112	10	between	between	ADP
ajfti-3193	112	11	credit	credit	NOUN
ajfti-3193	112	12	risk	risk	NOUN
ajfti-3193	112	13	and	and	CCONJ
ajfti-3193	112	14	financing	financing	NOUN
ajfti-3193	112	15	decisions	decision	NOUN
ajfti-3193	112	16	in	in	ADP
ajfti-3193	112	17	saudi	saudi	ADJ
ajfti-3193	112	18	commercial	commercial	ADJ
ajfti-3193	112	19	banks	bank	NOUN
ajfti-3193	112	20	.	.	PUNCT
ajfti-3193	113	1	h2	h2	PROPN
ajfti-3193	113	2	there	there	PRON
ajfti-3193	113	3	is	be	VERB
ajfti-3193	113	4	a	a	DET
ajfti-3193	113	5	significant	significant	ADJ
ajfti-3193	113	6	positive	positive	ADJ
ajfti-3193	113	7	relationship	relationship	NOUN
ajfti-3193	113	8	between	between	ADP
ajfti-3193	113	9	liquidity	liquidity	NOUN
ajfti-3193	113	10	risk	risk	NOUN
ajfti-3193	113	11	and	and	CCONJ
ajfti-3193	113	12	financing	financing	NOUN
ajfti-3193	113	13	decisions	decision	NOUN
ajfti-3193	113	14	in	in	ADP
ajfti-3193	113	15	saudi	saudi	ADJ
ajfti-3193	113	16	commercial	commercial	ADJ
ajfti-3193	113	17	banks	bank	NOUN
ajfti-3193	113	18	.	.	PUNCT
ajfti-3193	114	1	h3	h3	NOUN
ajfti-3193	114	2	there	there	PRON
ajfti-3193	114	3	is	be	VERB
ajfti-3193	114	4	a	a	DET
ajfti-3193	114	5	significant	significant	ADJ
ajfti-3193	114	6	positive	positive	ADJ
ajfti-3193	114	7	relationship	relationship	NOUN
ajfti-3193	114	8	between	between	ADP
ajfti-3193	114	9	operational	operational	ADJ
ajfti-3193	114	10	risk	risk	NOUN
ajfti-3193	114	11	and	and	CCONJ
ajfti-3193	114	12	financing	financing	NOUN
ajfti-3193	114	13	decisions	decision	NOUN
ajfti-3193	114	14	in	in	ADP
ajfti-3193	114	15	saudi	saudi	ADJ
ajfti-3193	114	16	commercial	commercial	ADJ
ajfti-3193	114	17	banks	bank	NOUN
ajfti-3193	114	18	.	.	PUNCT
ajfti-3193	115	1	h4	h4	NOUN
ajfti-3193	115	2	there	there	PRON
ajfti-3193	115	3	is	be	VERB
ajfti-3193	115	4	a	a	DET
ajfti-3193	115	5	significant	significant	ADJ
ajfti-3193	115	6	positive	positive	ADJ
ajfti-3193	115	7	relationship	relationship	NOUN
ajfti-3193	115	8	between	between	ADP
ajfti-3193	115	9	financial	financial	ADJ
ajfti-3193	115	10	risk	risk	NOUN
ajfti-3193	115	11	and	and	CCONJ
ajfti-3193	115	12	financing	financing	NOUN
ajfti-3193	115	13	decisions	decision	NOUN
ajfti-3193	115	14	in	in	ADP
ajfti-3193	115	15	saudi	saudi	ADJ
ajfti-3193	115	16	commercial	commercial	ADJ
ajfti-3193	115	17	banks	bank	NOUN
ajfti-3193	115	18	.	.	PUNCT
ajfti-3193	116	1	methodology	methodology	NOUN
ajfti-3193	116	2	figure	figure	NOUN
ajfti-3193	116	3	1	1	NUM
ajfti-3193	116	4	:	:	PUNCT
ajfti-3193	116	5	conceptual	conceptual	ADJ
ajfti-3193	116	6	framework	framework	NOUN
ajfti-3193	116	7	research	research	NOUN
ajfti-3193	116	8	design	design	NOUN
ajfti-3193	116	9	this	this	DET
ajfti-3193	116	10	study	study	NOUN
ajfti-3193	116	11	uses	use	VERB
ajfti-3193	116	12	quantitative	quantitative	ADJ
ajfti-3193	116	13	methods	method	NOUN
ajfti-3193	116	14	to	to	PART
ajfti-3193	116	15	address	address	VERB
ajfti-3193	116	16	the	the	DET
ajfti-3193	116	17	impact	impact	NOUN
ajfti-3193	116	18	of	of	ADP
ajfti-3193	116	19	financial	financial	ADJ
ajfti-3193	116	20	risks	risk	NOUN
ajfti-3193	116	21	on	on	ADP
ajfti-3193	116	22	the	the	DET
ajfti-3193	116	23	financing	financing	NOUN
ajfti-3193	116	24	decisions	decision	NOUN
ajfti-3193	116	25	of	of	ADP
ajfti-3193	116	26	saudi	saudi	ADJ
ajfti-3193	116	27	commercial	commercial	ADJ
ajfti-3193	116	28	banks	bank	NOUN
ajfti-3193	116	29	with	with	ADP
ajfti-3193	116	30	a	a	DET
ajfti-3193	116	31	focus	focus	NOUN
ajfti-3193	116	32	on	on	ADP
ajfti-3193	116	33	arar	arar	PROPN
ajfti-3193	116	34	city	city	NOUN
ajfti-3193	116	35	.	.	PUNCT
ajfti-3193	117	1	this	this	DET
ajfti-3193	117	2	approach	approach	NOUN
ajfti-3193	117	3	analyses	analyse	VERB
ajfti-3193	117	4	quantitative	quantitative	ADJ
ajfti-3193	117	5	patterns	pattern	NOUN
ajfti-3193	117	6	and	and	CCONJ
ajfti-3193	117	7	factors	factor	NOUN
ajfti-3193	117	8	that	that	PRON
ajfti-3193	117	9	affect	affect	VERB
ajfti-3193	117	10	these	these	DET
ajfti-3193	117	11	decisions	decision	NOUN
ajfti-3193	117	12	.	.	PUNCT
ajfti-3193	118	1	in	in	ADP
ajfti-3193	118	2	this	this	DET
ajfti-3193	118	3	study	study	NOUN
ajfti-3193	118	4	,	,	PUNCT
ajfti-3193	118	5	the	the	DET
ajfti-3193	118	6	researcher	researcher	NOUN
ajfti-3193	118	7	analyzes	analyze	VERB
ajfti-3193	118	8	how	how	SCONJ
ajfti-3193	118	9	different	different	ADJ
ajfti-3193	118	10	types	type	NOUN
ajfti-3193	118	11	of	of	ADP
ajfti-3193	118	12	risks	risk	NOUN
ajfti-3193	118	13	impact	impact	VERB
ajfti-3193	118	14	the	the	DET
ajfti-3193	118	15	performance	performance	NOUN
ajfti-3193	118	16	of	of	ADP
ajfti-3193	118	17	saudi	saudi	ADJ
ajfti-3193	118	18	commercial	commercial	ADJ
ajfti-3193	118	19	bank	bank	NOUN
ajfti-3193	118	20	,	,	PUNCT
ajfti-3193	118	21	specifically	specifically	ADV
ajfti-3193	118	22	in	in	ADP
ajfti-3193	118	23	arar	arar	NOUN
ajfti-3193	118	24	.	.	PUNCT
ajfti-3193	119	1	the	the	DET
ajfti-3193	119	2	study	study	NOUN
ajfti-3193	119	3	also	also	ADV
ajfti-3193	119	4	investigates	investigate	VERB
ajfti-3193	119	5	and	and	CCONJ
ajfti-3193	119	6	highlights	highlight	VERB
ajfti-3193	119	7	the	the	DET
ajfti-3193	119	8	impact	impact	NOUN
ajfti-3193	119	9	of	of	ADP
ajfti-3193	119	10	saudi	saudi	ADJ
ajfti-3193	119	11	commercial	commercial	ADJ
ajfti-3193	119	12	banks	bank	NOUN
ajfti-3193	119	13	’	'	PUNCT
ajfti-3193	119	14	performance	performance	NOUN
ajfti-3193	119	15	on	on	ADP
ajfti-3193	119	16	their	their	PRON
ajfti-3193	119	17	financing	financing	NOUN
ajfti-3193	119	18	decisions	decision	NOUN
ajfti-3193	119	19	.	.	PUNCT
ajfti-3193	120	1	a	a	DET
ajfti-3193	120	2	descriptive	descriptive	ADJ
ajfti-3193	120	3	method	method	NOUN
ajfti-3193	120	4	is	be	AUX
ajfti-3193	120	5	used	use	VERB
ajfti-3193	120	6	for	for	ADP
ajfti-3193	120	7	the	the	DET
ajfti-3193	120	8	theoretical	theoretical	ADJ
ajfti-3193	120	9	research	research	NOUN
ajfti-3193	120	10	,	,	PUNCT
ajfti-3193	120	11	which	which	PRON
ajfti-3193	120	12	comprises	comprise	VERB
ajfti-3193	120	13	risk	risk	NOUN
ajfti-3193	120	14	management	management	NOUN
ajfti-3193	120	15	and	and	CCONJ
ajfti-3193	120	16	financial	financial	ADJ
ajfti-3193	120	17	decision	decision	NOUN
ajfti-3193	120	18	-	-	PUNCT
ajfti-3193	120	19	making	make	VERB
ajfti-3193	120	20	theories	theory	NOUN
ajfti-3193	120	21	.	.	PUNCT
ajfti-3193	121	1	meanwhile	meanwhile	ADV
ajfti-3193	121	2	,	,	PUNCT
ajfti-3193	121	3	an	an	DET
ajfti-3193	121	4	analytical	analytical	ADJ
ajfti-3193	121	5	approach	approach	NOUN
ajfti-3193	121	6	was	be	AUX
ajfti-3193	121	7	used	use	VERB
ajfti-3193	121	8	to	to	PART
ajfti-3193	121	9	analyze	analyze	VERB
ajfti-3193	121	10	the	the	DET
ajfti-3193	121	11	data	datum	NOUN
ajfti-3193	121	12	collected	collect	VERB
ajfti-3193	121	13	through	through	ADP
ajfti-3193	121	14	pa	pa	PROPN
ajfti-3193	121	15	ge	ge	PROPN
ajfti-3193	121	16	37	37	NUM
ajfti-3193	121	17	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	121	18	am	be	AUX
ajfti-3193	121	19	.	.	PUNCT
ajfti-3193	122	1	j.	j.	PROPN
ajfti-3193	122	2	financ	financ	PROPN
ajfti-3193	122	3	.	.	PUNCT
ajfti-3193	123	1	technol	technol	PROPN
ajfti-3193	123	2	.	.	PUNCT
ajfti-3193	123	3	innov	innov	PROPN
ajfti-3193	123	4	.	.	PUNCT
ajfti-3193	124	1	2(1	2(1	NUM
ajfti-3193	124	2	)	)	PUNCT
ajfti-3193	124	3	33	33	NUM
ajfti-3193	124	4	-	-	SYM
ajfti-3193	124	5	43	43	NUM
ajfti-3193	124	6	,	,	PUNCT
ajfti-3193	124	7	2024	2024	NUM
ajfti-3193	124	8	survey	survey	NOUN
ajfti-3193	124	9	methods	method	NOUN
ajfti-3193	124	10	from	from	ADP
ajfti-3193	124	11	different	different	ADJ
ajfti-3193	124	12	professionals	professional	NOUN
ajfti-3193	124	13	from	from	ADP
ajfti-3193	124	14	3	3	NUM
ajfti-3193	124	15	banks	bank	NOUN
ajfti-3193	124	16	in	in	ADP
ajfti-3193	124	17	arar	arar	PROPN
ajfti-3193	124	18	.	.	PUNCT
ajfti-3193	125	1	sampling	sample	VERB
ajfti-3193	125	2	technique	technique	NOUN
ajfti-3193	125	3	this	this	DET
ajfti-3193	125	4	study	study	NOUN
ajfti-3193	125	5	employed	employ	VERB
ajfti-3193	125	6	a	a	DET
ajfti-3193	125	7	purposive	purposive	ADJ
ajfti-3193	125	8	sampling	sampling	NOUN
ajfti-3193	125	9	technique	technique	NOUN
ajfti-3193	125	10	in	in	ADP
ajfti-3193	125	11	which	which	PRON
ajfti-3193	125	12	participants	participant	NOUN
ajfti-3193	125	13	were	be	AUX
ajfti-3193	125	14	directly	directly	ADV
ajfti-3193	125	15	involved	involve	VERB
ajfti-3193	125	16	in	in	ADP
ajfti-3193	125	17	financial	financial	ADJ
ajfti-3193	125	18	decision	decision	NOUN
ajfti-3193	125	19	-	-	PUNCT
ajfti-3193	125	20	making	make	VERB
ajfti-3193	125	21	and	and	CCONJ
ajfti-3193	125	22	risk	risk	NOUN
ajfti-3193	125	23	management	management	NOUN
ajfti-3193	125	24	.	.	PUNCT
ajfti-3193	126	1	fifty	fifty	NUM
ajfti-3193	126	2	respondents	respondent	NOUN
ajfti-3193	126	3	from	from	ADP
ajfti-3193	126	4	different	different	ADJ
ajfti-3193	126	5	commercial	commercial	ADJ
ajfti-3193	126	6	banks	bank	NOUN
ajfti-3193	126	7	in	in	ADP
ajfti-3193	126	8	arar	arar	NOUN
ajfti-3193	126	9	were	be	AUX
ajfti-3193	126	10	selected	select	VERB
ajfti-3193	126	11	to	to	PART
ajfti-3193	126	12	achieve	achieve	VERB
ajfti-3193	126	13	a	a	DET
ajfti-3193	126	14	representative	representative	ADJ
ajfti-3193	126	15	analysis	analysis	NOUN
ajfti-3193	126	16	.	.	PUNCT
ajfti-3193	127	1	the	the	DET
ajfti-3193	127	2	reliability	reliability	NOUN
ajfti-3193	127	3	of	of	ADP
ajfti-3193	127	4	the	the	DET
ajfti-3193	127	5	sample	sample	NOUN
ajfti-3193	127	6	size	size	NOUN
ajfti-3193	127	7	was	be	AUX
ajfti-3193	127	8	tested	test	VERB
ajfti-3193	127	9	through	through	ADP
ajfti-3193	127	10	cron	cron	PROPN
ajfti-3193	127	11	bach	bach	PROPN
ajfti-3193	127	12	alpha	alpha	NOUN
ajfti-3193	127	13	,	,	PUNCT
ajfti-3193	127	14	and	and	CCONJ
ajfti-3193	127	15	a	a	DET
ajfti-3193	127	16	pilot	pilot	NOUN
ajfti-3193	127	17	testing	testing	NOUN
ajfti-3193	127	18	was	be	AUX
ajfti-3193	127	19	conducted	conduct	VERB
ajfti-3193	127	20	to	to	PART
ajfti-3193	127	21	identify	identify	VERB
ajfti-3193	127	22	the	the	DET
ajfti-3193	127	23	weaknesses	weakness	NOUN
ajfti-3193	127	24	and	and	CCONJ
ajfti-3193	127	25	strengths	strength	NOUN
ajfti-3193	127	26	of	of	ADP
ajfti-3193	127	27	the	the	DET
ajfti-3193	127	28	structured	structured	ADJ
ajfti-3193	127	29	questionnaire	questionnaire	NOUN
ajfti-3193	127	30	and	and	CCONJ
ajfti-3193	127	31	the	the	DET
ajfti-3193	127	32	placement	placement	NOUN
ajfti-3193	127	33	of	of	ADP
ajfti-3193	127	34	different	different	ADJ
ajfti-3193	127	35	items	item	NOUN
ajfti-3193	127	36	.	.	PUNCT
ajfti-3193	128	1	data	datum	NOUN
ajfti-3193	128	2	collection	collection	NOUN
ajfti-3193	128	3	method	method	NOUN
ajfti-3193	128	4	a	a	DET
ajfti-3193	128	5	structured	structured	ADJ
ajfti-3193	128	6	survey	survey	NOUN
ajfti-3193	128	7	questionnaire	questionnaire	NOUN
ajfti-3193	128	8	was	be	AUX
ajfti-3193	128	9	designed	design	VERB
ajfti-3193	128	10	to	to	PART
ajfti-3193	128	11	collect	collect	VERB
ajfti-3193	128	12	and	and	CCONJ
ajfti-3193	128	13	administer	administer	VERB
ajfti-3193	128	14	key	key	ADJ
ajfti-3193	128	15	personnel	personnel	NOUN
ajfti-3193	128	16	,	,	PUNCT
ajfti-3193	128	17	including	include	VERB
ajfti-3193	128	18	risk	risk	NOUN
ajfti-3193	128	19	managers	manager	NOUN
ajfti-3193	128	20	,	,	PUNCT
ajfti-3193	128	21	financial	financial	ADJ
ajfti-3193	128	22	analysts	analyst	NOUN
ajfti-3193	128	23	,	,	PUNCT
ajfti-3193	128	24	and	and	CCONJ
ajfti-3193	128	25	senior	senior	ADJ
ajfti-3193	128	26	executives	executive	NOUN
ajfti-3193	128	27	,	,	PUNCT
ajfti-3193	128	28	from	from	ADP
ajfti-3193	128	29	commercial	commercial	ADJ
ajfti-3193	128	30	banks	bank	NOUN
ajfti-3193	128	31	operating	operate	VERB
ajfti-3193	128	32	in	in	ADP
ajfti-3193	128	33	arar	arar	PROPN
ajfti-3193	128	34	.	.	PUNCT
ajfti-3193	129	1	survey	survey	NOUN
ajfti-3193	129	2	instrument	instrument	VERB
ajfti-3193	129	3	the	the	DET
ajfti-3193	129	4	survey	survey	NOUN
ajfti-3193	129	5	,	,	PUNCT
ajfti-3193	129	6	designed	design	VERB
ajfti-3193	129	7	to	to	PART
ajfti-3193	129	8	collect	collect	VERB
ajfti-3193	129	9	data	datum	NOUN
ajfti-3193	129	10	from	from	ADP
ajfti-3193	129	11	different	different	ADJ
ajfti-3193	129	12	professionals	professional	NOUN
ajfti-3193	129	13	of	of	ADP
ajfti-3193	129	14	commercial	commercial	ADJ
ajfti-3193	129	15	banks	bank	NOUN
ajfti-3193	129	16	in	in	ADP
ajfti-3193	129	17	arar	arar	PROPN
ajfti-3193	129	18	,	,	PUNCT
ajfti-3193	129	19	consisted	consist	VERB
ajfti-3193	129	20	of	of	ADP
ajfti-3193	129	21	likert	likert	ADJ
ajfti-3193	129	22	-	-	NOUN
ajfti-3193	129	23	scale	scale	NOUN
ajfti-3193	129	24	questions	question	NOUN
ajfti-3193	129	25	to	to	PART
ajfti-3193	129	26	analyze	analyze	VERB
ajfti-3193	129	27	the	the	DET
ajfti-3193	129	28	perception	perception	NOUN
ajfti-3193	129	29	of	of	ADP
ajfti-3193	129	30	various	various	ADJ
ajfti-3193	129	31	types	type	NOUN
ajfti-3193	129	32	of	of	ADP
ajfti-3193	129	33	financial	financial	ADJ
ajfti-3193	129	34	risks	risk	NOUN
ajfti-3193	129	35	(	(	PUNCT
ajfti-3193	129	36	credit	credit	NOUN
ajfti-3193	129	37	risk	risk	NOUN
ajfti-3193	129	38	,	,	PUNCT
ajfti-3193	129	39	liquidity	liquidity	NOUN
ajfti-3193	129	40	risk	risk	NOUN
ajfti-3193	129	41	,	,	PUNCT
ajfti-3193	129	42	operational	operational	ADJ
ajfti-3193	129	43	risk	risk	NOUN
ajfti-3193	129	44	)	)	PUNCT
ajfti-3193	129	45	and	and	CCONJ
ajfti-3193	129	46	their	their	PRON
ajfti-3193	129	47	influence	influence	NOUN
ajfti-3193	129	48	on	on	ADP
ajfti-3193	129	49	financing	financing	NOUN
ajfti-3193	129	50	decisions	decision	NOUN
ajfti-3193	129	51	.	.	PUNCT
ajfti-3193	130	1	some	some	DET
ajfti-3193	130	2	questions	question	NOUN
ajfti-3193	130	3	aimed	aim	VERB
ajfti-3193	130	4	at	at	ADP
ajfti-3193	130	5	addressing	address	VERB
ajfti-3193	130	6	efficiency	efficiency	NOUN
ajfti-3193	130	7	issues	issue	NOUN
ajfti-3193	130	8	in	in	ADP
ajfti-3193	130	9	current	current	ADJ
ajfti-3193	130	10	risk	risk	NOUN
ajfti-3193	130	11	management	management	NOUN
ajfti-3193	130	12	strategies	strategy	NOUN
ajfti-3193	130	13	and	and	CCONJ
ajfti-3193	130	14	techniques	technique	NOUN
ajfti-3193	130	15	banks	bank	NOUN
ajfti-3193	130	16	adopt	adopt	VERB
ajfti-3193	130	17	.	.	PUNCT
ajfti-3193	131	1	thus	thus	ADV
ajfti-3193	131	2	,	,	PUNCT
ajfti-3193	131	3	factor	factor	NOUN
ajfti-3193	131	4	analysis	analysis	NOUN
ajfti-3193	131	5	was	be	AUX
ajfti-3193	131	6	conducted	conduct	VERB
ajfti-3193	131	7	to	to	PART
ajfti-3193	131	8	confirm	confirm	VERB
ajfti-3193	131	9	that	that	SCONJ
ajfti-3193	131	10	the	the	DET
ajfti-3193	131	11	survey	survey	NOUN
ajfti-3193	131	12	items	item	NOUN
ajfti-3193	131	13	accurately	accurately	ADV
ajfti-3193	131	14	measure	measure	VERB
ajfti-3193	131	15	the	the	DET
ajfti-3193	131	16	underlying	underlie	VERB
ajfti-3193	131	17	constructs	construct	NOUN
ajfti-3193	131	18	of	of	ADP
ajfti-3193	131	19	financial	financial	ADJ
ajfti-3193	131	20	risks	risk	NOUN
ajfti-3193	131	21	and	and	CCONJ
ajfti-3193	131	22	financing	financing	NOUN
ajfti-3193	131	23	decisions	decision	NOUN
ajfti-3193	131	24	.	.	PUNCT
ajfti-3193	132	1	data	datum	NOUN
ajfti-3193	132	2	analysis	analysis	NOUN
ajfti-3193	132	3	the	the	DET
ajfti-3193	132	4	data	datum	NOUN
ajfti-3193	132	5	collected	collect	VERB
ajfti-3193	132	6	through	through	ADP
ajfti-3193	132	7	the	the	DET
ajfti-3193	132	8	survey	survey	NOUN
ajfti-3193	132	9	questionnaire	questionnaire	NOUN
ajfti-3193	132	10	was	be	AUX
ajfti-3193	132	11	analyzed	analyze	VERB
ajfti-3193	132	12	through	through	ADP
ajfti-3193	132	13	spss	spss	PROPN
ajfti-3193	132	14	,	,	PUNCT
ajfti-3193	132	15	and	and	CCONJ
ajfti-3193	132	16	the	the	DET
ajfti-3193	132	17	following	follow	VERB
ajfti-3193	132	18	mean	mean	NOUN
ajfti-3193	132	19	,	,	PUNCT
ajfti-3193	132	20	median	median	ADJ
ajfti-3193	132	21	,	,	PUNCT
ajfti-3193	132	22	and	and	CCONJ
ajfti-3193	132	23	standard	standard	ADJ
ajfti-3193	132	24	deviation	deviation	NOUN
ajfti-3193	132	25	were	be	AUX
ajfti-3193	132	26	used	use	VERB
ajfti-3193	132	27	to	to	PART
ajfti-3193	132	28	summarize	summarize	VERB
ajfti-3193	132	29	the	the	DET
ajfti-3193	132	30	survey	survey	NOUN
ajfti-3193	132	31	responses	response	NOUN
ajfti-3193	132	32	.	.	PUNCT
ajfti-3193	133	1	also	also	ADV
ajfti-3193	133	2	,	,	PUNCT
ajfti-3193	133	3	regression	regression	VERB
ajfti-3193	133	4	analysis	analysis	NOUN
ajfti-3193	133	5	was	be	AUX
ajfti-3193	133	6	conducted	conduct	VERB
ajfti-3193	133	7	to	to	PART
ajfti-3193	133	8	examine	examine	VERB
ajfti-3193	133	9	the	the	DET
ajfti-3193	133	10	relationship	relationship	NOUN
ajfti-3193	133	11	between	between	ADP
ajfti-3193	133	12	different	different	ADJ
ajfti-3193	133	13	types	type	NOUN
ajfti-3193	133	14	of	of	ADP
ajfti-3193	133	15	financial	financial	ADJ
ajfti-3193	133	16	risks	risk	NOUN
ajfti-3193	133	17	and	and	CCONJ
ajfti-3193	133	18	financing	financing	NOUN
ajfti-3193	133	19	decisions	decision	NOUN
ajfti-3193	133	20	.	.	PUNCT
ajfti-3193	134	1	this	this	PRON
ajfti-3193	134	2	helps	help	VERB
ajfti-3193	134	3	to	to	PART
ajfti-3193	134	4	identify	identify	VERB
ajfti-3193	134	5	which	which	DET
ajfti-3193	134	6	risks	risk	NOUN
ajfti-3193	134	7	have	have	VERB
ajfti-3193	134	8	the	the	DET
ajfti-3193	134	9	most	most	ADV
ajfti-3193	134	10	significant	significant	ADJ
ajfti-3193	134	11	impact	impact	NOUN
ajfti-3193	134	12	on	on	ADP
ajfti-3193	134	13	decision	decision	NOUN
ajfti-3193	134	14	-	-	PUNCT
ajfti-3193	134	15	making	making	NOUN
ajfti-3193	134	16	.	.	PUNCT
ajfti-3193	135	1	results	result	NOUN
ajfti-3193	135	2	&	&	CCONJ
ajfti-3193	135	3	analysis	analysis	NOUN
ajfti-3193	135	4	the	the	DET
ajfti-3193	135	5	following	follow	VERB
ajfti-3193	135	6	results	result	NOUN
ajfti-3193	135	7	were	be	AUX
ajfti-3193	135	8	generated	generate	VERB
ajfti-3193	135	9	after	after	ADP
ajfti-3193	135	10	analyzing	analyze	VERB
ajfti-3193	135	11	the	the	DET
ajfti-3193	135	12	data	datum	NOUN
ajfti-3193	135	13	collected	collect	VERB
ajfti-3193	135	14	through	through	ADP
ajfti-3193	135	15	the	the	DET
ajfti-3193	135	16	questionnaire	questionnaire	NOUN
ajfti-3193	135	17	from	from	ADP
ajfti-3193	135	18	50	50	NUM
ajfti-3193	135	19	participants	participant	NOUN
ajfti-3193	135	20	working	work	VERB
ajfti-3193	135	21	in	in	ADP
ajfti-3193	135	22	three	three	NUM
ajfti-3193	135	23	banks	bank	NOUN
ajfti-3193	135	24	in	in	ADP
ajfti-3193	135	25	arar	arar	PROPN
ajfti-3193	135	26	.	.	PUNCT
ajfti-3193	136	1	table	table	NOUN
ajfti-3193	136	2	1	1	NUM
ajfti-3193	136	3	:	:	PUNCT
ajfti-3193	136	4	demographic	demographic	ADJ
ajfti-3193	136	5	analysis	analysis	NOUN
ajfti-3193	136	6	job	job	NOUN
ajfti-3193	136	7	title	title	NOUN
ajfti-3193	136	8	frequency	frequency	NOUN
ajfti-3193	136	9	percent	percent	NOUN
ajfti-3193	136	10	valid	valid	ADJ
ajfti-3193	136	11	percent	percent	NOUN
ajfti-3193	136	12	cumulative	cumulative	ADJ
ajfti-3193	136	13	percent	percent	NOUN
ajfti-3193	136	14	valid	valid	ADJ
ajfti-3193	136	15	financial	financial	ADJ
ajfti-3193	136	16	analyst	analyst	NOUN
ajfti-3193	136	17	27	27	NUM
ajfti-3193	136	18	54.0	54.0	NUM
ajfti-3193	136	19	54.0	54.0	NUM
ajfti-3193	136	20	54.0	54.0	NUM
ajfti-3193	136	21	risk	risk	NOUN
ajfti-3193	136	22	manager	manager	NOUN
ajfti-3193	136	23	7	7	NUM
ajfti-3193	136	24	14.0	14.0	NUM
ajfti-3193	136	25	14.0	14.0	NUM
ajfti-3193	136	26	68.0	68.0	NUM
ajfti-3193	136	27	senior	senior	ADJ
ajfti-3193	136	28	executive	executive	NOUN
ajfti-3193	136	29	16	16	NUM
ajfti-3193	136	30	32.0	32.0	NUM
ajfti-3193	136	31	32.0	32.0	NUM
ajfti-3193	136	32	100.0	100.0	NUM
ajfti-3193	136	33	total	total	NOUN
ajfti-3193	136	34	50	50	NUM
ajfti-3193	136	35	100.0	100.0	NUM
ajfti-3193	136	36	100.0	100.0	NUM
ajfti-3193	136	37	table	table	NOUN
ajfti-3193	136	38	2	2	NUM
ajfti-3193	136	39	:	:	PUNCT
ajfti-3193	136	40	years	year	NOUN
ajfti-3193	136	41	of	of	ADP
ajfti-3193	136	42	experience	experience	NOUN
ajfti-3193	136	43	in	in	ADP
ajfti-3193	136	44	banking	banking	NOUN
ajfti-3193	136	45	years	year	NOUN
ajfti-3193	136	46	of	of	ADP
ajfti-3193	136	47	experience	experience	NOUN
ajfti-3193	136	48	in	in	ADP
ajfti-3193	136	49	banking	banking	NOUN
ajfti-3193	136	50	frequency	frequency	NOUN
ajfti-3193	136	51	percent	percent	NOUN
ajfti-3193	136	52	valid	valid	ADJ
ajfti-3193	136	53	percent	percent	NOUN
ajfti-3193	136	54	cumulative	cumulative	ADJ
ajfti-3193	136	55	percent	percent	NOUN
ajfti-3193	136	56	valid	valid	ADJ
ajfti-3193	136	57	11	11	NUM
ajfti-3193	136	58	-	-	SYM
ajfti-3193	136	59	15	15	NUM
ajfti-3193	136	60	years	year	NOUN
ajfti-3193	136	61	11	11	NUM
ajfti-3193	136	62	22.0	22.0	NUM
ajfti-3193	136	63	22.0	22.0	NUM
ajfti-3193	136	64	22.0	22.0	NUM
ajfti-3193	136	65	5	5	NUM
ajfti-3193	136	66	-	-	SYM
ajfti-3193	136	67	10	10	NUM
ajfti-3193	136	68	years	year	NOUN
ajfti-3193	136	69	14	14	NUM
ajfti-3193	136	70	28.0	28.0	NUM
ajfti-3193	136	71	28.0	28.0	NUM
ajfti-3193	136	72	50.0	50.0	NUM
ajfti-3193	136	73	less	less	ADJ
ajfti-3193	136	74	than	than	ADP
ajfti-3193	136	75	5	5	NUM
ajfti-3193	136	76	years	year	NOUN
ajfti-3193	136	77	18	18	NUM
ajfti-3193	136	78	36.0	36.0	NUM
ajfti-3193	136	79	36.0	36.0	NUM
ajfti-3193	136	80	86.0	86.0	NUM
ajfti-3193	136	81	more	more	ADJ
ajfti-3193	136	82	than	than	ADP
ajfti-3193	136	83	15	15	NUM
ajfti-3193	136	84	years	year	NOUN
ajfti-3193	136	85	7	7	NUM
ajfti-3193	136	86	14.0	14.0	NUM
ajfti-3193	136	87	14.0	14.0	NUM
ajfti-3193	136	88	100.0	100.0	NUM
ajfti-3193	136	89	total	total	NOUN
ajfti-3193	136	90	50	50	NUM
ajfti-3193	136	91	100.0	100.0	NUM
ajfti-3193	136	92	100.0	100.0	NUM
ajfti-3193	136	93	the	the	DET
ajfti-3193	136	94	study	study	NOUN
ajfti-3193	136	95	analyzes	analyze	VERB
ajfti-3193	136	96	the	the	DET
ajfti-3193	136	97	effect	effect	NOUN
ajfti-3193	136	98	of	of	ADP
ajfti-3193	136	99	financial	financial	ADJ
ajfti-3193	136	100	risks	risk	NOUN
ajfti-3193	136	101	on	on	ADP
ajfti-3193	136	102	the	the	DET
ajfti-3193	136	103	financing	financing	NOUN
ajfti-3193	136	104	decisions	decision	NOUN
ajfti-3193	136	105	of	of	ADP
ajfti-3193	136	106	saudi	saudi	ADJ
ajfti-3193	136	107	commercial	commercial	ADJ
ajfti-3193	136	108	banks	bank	NOUN
ajfti-3193	136	109	,	,	PUNCT
ajfti-3193	136	110	with	with	ADP
ajfti-3193	136	111	particular	particular	ADJ
ajfti-3193	136	112	attention	attention	NOUN
ajfti-3193	136	113	to	to	ADP
ajfti-3193	136	114	the	the	DET
ajfti-3193	136	115	ones	one	NOUN
ajfti-3193	136	116	operating	operate	VERB
ajfti-3193	136	117	in	in	ADP
ajfti-3193	136	118	arar	arar	PROPN
ajfti-3193	136	119	city	city	NOUN
ajfti-3193	136	120	.	.	PUNCT
ajfti-3193	137	1	the	the	DET
ajfti-3193	137	2	dataset	dataset	NOUN
ajfti-3193	137	3	includes	include	VERB
ajfti-3193	137	4	50	50	NUM
ajfti-3193	137	5	respondents	respondent	NOUN
ajfti-3193	137	6	categorized	categorize	VERB
ajfti-3193	137	7	by	by	ADP
ajfti-3193	137	8	their	their	PRON
ajfti-3193	137	9	job	job	NOUN
ajfti-3193	137	10	titles	title	NOUN
ajfti-3193	137	11	:	:	PUNCT
ajfti-3193	137	12	financial	financial	ADJ
ajfti-3193	137	13	analysts	analyst	NOUN
ajfti-3193	137	14	,	,	PUNCT
ajfti-3193	137	15	risk	risk	NOUN
ajfti-3193	137	16	managers	manager	NOUN
ajfti-3193	137	17	,	,	PUNCT
ajfti-3193	137	18	and	and	CCONJ
ajfti-3193	137	19	senior	senior	ADJ
ajfti-3193	137	20	executives	executive	NOUN
ajfti-3193	137	21	.	.	PUNCT
ajfti-3193	138	1	financial	financial	ADJ
ajfti-3193	138	2	analysts	analyst	NOUN
ajfti-3193	138	3	were	be	AUX
ajfti-3193	138	4	the	the	DET
ajfti-3193	138	5	highest	high	ADJ
ajfti-3193	138	6	in	in	ADP
ajfti-3193	138	7	the	the	DET
ajfti-3193	138	8	number	number	NOUN
ajfti-3193	138	9	of	of	ADP
ajfti-3193	138	10	the	the	DET
ajfti-3193	138	11	banks	bank	NOUN
ajfti-3193	138	12	,	,	PUNCT
ajfti-3193	138	13	with	with	ADP
ajfti-3193	138	14	54	54	NUM
ajfti-3193	138	15	%	%	NOUN
ajfti-3193	138	16	of	of	ADP
ajfti-3193	138	17	the	the	DET
ajfti-3193	138	18	sample	sample	NOUN
ajfti-3193	138	19	,	,	PUNCT
ajfti-3193	138	20	which	which	PRON
ajfti-3193	138	21	shows	show	VERB
ajfti-3193	138	22	that	that	SCONJ
ajfti-3193	138	23	these	these	DET
ajfti-3193	138	24	banks	bank	NOUN
ajfti-3193	138	25	have	have	VERB
ajfti-3193	138	26	a	a	DET
ajfti-3193	138	27	fairly	fairly	ADV
ajfti-3193	138	28	strong	strong	ADJ
ajfti-3193	138	29	analytical	analytical	ADJ
ajfti-3193	138	30	culture	culture	NOUN
ajfti-3193	138	31	.	.	PUNCT
ajfti-3193	139	1	senior	senior	ADJ
ajfti-3193	139	2	executives	executive	NOUN
ajfti-3193	139	3	involved	involve	VERB
ajfti-3193	139	4	in	in	ADP
ajfti-3193	139	5	decision	decision	NOUN
ajfti-3193	139	6	-	-	PUNCT
ajfti-3193	139	7	making	making	NOUN
ajfti-3193	139	8	also	also	ADV
ajfti-3193	139	9	make	make	VERB
ajfti-3193	139	10	up	up	ADP
ajfti-3193	139	11	32	32	NUM
ajfti-3193	139	12	%	%	NOUN
ajfti-3193	139	13	of	of	ADP
ajfti-3193	139	14	the	the	DET
ajfti-3193	139	15	respondents	respondent	NOUN
ajfti-3193	139	16	,	,	PUNCT
ajfti-3193	139	17	while	while	SCONJ
ajfti-3193	139	18	14	14	NUM
ajfti-3193	139	19	%	%	NOUN
ajfti-3193	139	20	of	of	ADP
ajfti-3193	139	21	the	the	DET
ajfti-3193	139	22	respondents	respondent	NOUN
ajfti-3193	139	23	were	be	AUX
ajfti-3193	139	24	risk	risk	NOUN
ajfti-3193	139	25	managers	manager	NOUN
ajfti-3193	139	26	who	who	PRON
ajfti-3193	139	27	were	be	AUX
ajfti-3193	139	28	specifically	specifically	ADV
ajfti-3193	139	29	involved	involve	VERB
ajfti-3193	139	30	in	in	ADP
ajfti-3193	139	31	calculating	calculate	VERB
ajfti-3193	139	32	and	and	CCONJ
ajfti-3193	139	33	managing	manage	VERB
ajfti-3193	139	34	financial	financial	ADJ
ajfti-3193	139	35	risks	risk	NOUN
ajfti-3193	139	36	.	.	PUNCT
ajfti-3193	140	1	this	this	DET
ajfti-3193	140	2	composition	composition	NOUN
ajfti-3193	140	3	indicates	indicate	VERB
ajfti-3193	140	4	that	that	SCONJ
ajfti-3193	140	5	most	most	ADJ
ajfti-3193	140	6	of	of	ADP
ajfti-3193	140	7	the	the	DET
ajfti-3193	140	8	knowledge	knowledge	NOUN
ajfti-3193	140	9	on	on	ADP
ajfti-3193	140	10	financial	financial	ADJ
ajfti-3193	140	11	risks	risk	NOUN
ajfti-3193	140	12	and	and	CCONJ
ajfti-3193	140	13	their	their	PRON
ajfti-3193	140	14	impact	impact	NOUN
ajfti-3193	140	15	on	on	ADP
ajfti-3193	140	16	financing	financing	NOUN
ajfti-3193	140	17	decisions	decision	NOUN
ajfti-3193	140	18	is	be	AUX
ajfti-3193	140	19	obtained	obtain	VERB
ajfti-3193	140	20	through	through	ADP
ajfti-3193	140	21	analytical	analytical	ADJ
ajfti-3193	140	22	investigations	investigation	NOUN
ajfti-3193	140	23	with	with	ADP
ajfti-3193	140	24	meaningful	meaningful	ADJ
ajfti-3193	140	25	contributions	contribution	NOUN
ajfti-3193	140	26	from	from	ADP
ajfti-3193	140	27	senior	senior	ADJ
ajfti-3193	140	28	executives	executive	NOUN
ajfti-3193	140	29	and	and	CCONJ
ajfti-3193	140	30	professionals	professional	NOUN
ajfti-3193	140	31	in	in	ADP
ajfti-3193	140	32	the	the	DET
ajfti-3193	140	33	field	field	NOUN
ajfti-3193	140	34	of	of	ADP
ajfti-3193	140	35	risk	risk	NOUN
ajfti-3193	140	36	management	management	NOUN
ajfti-3193	140	37	.	.	PUNCT
ajfti-3193	141	1	this	this	PRON
ajfti-3193	141	2	enables	enable	VERB
ajfti-3193	141	3	the	the	DET
ajfti-3193	141	4	analysis	analysis	NOUN
ajfti-3193	141	5	to	to	PART
ajfti-3193	141	6	focus	focus	VERB
ajfti-3193	141	7	on	on	ADP
ajfti-3193	141	8	the	the	DET
ajfti-3193	141	9	distribution	distribution	NOUN
ajfti-3193	141	10	of	of	ADP
ajfti-3193	141	11	these	these	DET
ajfti-3193	141	12	roles	role	NOUN
ajfti-3193	141	13	and	and	CCONJ
ajfti-3193	141	14	make	make	VERB
ajfti-3193	141	15	inferences	inference	NOUN
ajfti-3193	141	16	about	about	ADP
ajfti-3193	141	17	the	the	DET
ajfti-3193	141	18	diverse	diverse	ADJ
ajfti-3193	141	19	perspectives	perspective	NOUN
ajfti-3193	141	20	and	and	CCONJ
ajfti-3193	141	21	ideas	idea	NOUN
ajfti-3193	141	22	that	that	PRON
ajfti-3193	141	23	were	be	AUX
ajfti-3193	141	24	shaping	shape	VERB
ajfti-3193	141	25	the	the	DET
ajfti-3193	141	26	financial	financial	ADJ
ajfti-3193	141	27	strategies	strategy	NOUN
ajfti-3193	141	28	in	in	ADP
ajfti-3193	141	29	the	the	DET
ajfti-3193	141	30	commercial	commercial	ADJ
ajfti-3193	141	31	banking	banking	NOUN
ajfti-3193	141	32	sector	sector	NOUN
ajfti-3193	141	33	in	in	ADP
ajfti-3193	141	34	arar	arar	PROPN
ajfti-3193	141	35	city	city	NOUN
ajfti-3193	141	36	.	.	PUNCT
ajfti-3193	142	1	pa	pa	PROPN
ajfti-3193	142	2	ge	ge	PROPN
ajfti-3193	142	3	38	38	NUM
ajfti-3193	142	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	PROPN
ajfti-3193	142	5	am	be	AUX
ajfti-3193	142	6	.	.	PUNCT
ajfti-3193	143	1	j.	j.	PROPN
ajfti-3193	143	2	financ	financ	PROPN
ajfti-3193	143	3	.	.	PUNCT
ajfti-3193	144	1	technol	technol	PROPN
ajfti-3193	144	2	.	.	PUNCT
ajfti-3193	144	3	innov	innov	PROPN
ajfti-3193	144	4	.	.	PUNCT
ajfti-3193	145	1	2(1	2(1	NUM
ajfti-3193	145	2	)	)	PUNCT
ajfti-3193	145	3	33	33	NUM
ajfti-3193	145	4	-	-	SYM
ajfti-3193	145	5	43	43	NUM
ajfti-3193	145	6	,	,	PUNCT
ajfti-3193	145	7	2024	2024	NUM
ajfti-3193	145	8	the	the	DET
ajfti-3193	145	9	dataset	dataset	NOUN
ajfti-3193	145	10	describes	describe	VERB
ajfti-3193	145	11	the	the	DET
ajfti-3193	145	12	years	year	NOUN
ajfti-3193	145	13	of	of	ADP
ajfti-3193	145	14	experience	experience	NOUN
ajfti-3193	145	15	in	in	ADP
ajfti-3193	145	16	banking	banking	NOUN
ajfti-3193	145	17	for	for	ADP
ajfti-3193	145	18	50	50	NUM
ajfti-3193	145	19	respondents	respondent	NOUN
ajfti-3193	145	20	.	.	PUNCT
ajfti-3193	146	1	the	the	DET
ajfti-3193	146	2	largest	large	ADJ
ajfti-3193	146	3	group	group	NOUN
ajfti-3193	146	4	has	have	VERB
ajfti-3193	146	5	less	less	ADJ
ajfti-3193	146	6	than	than	ADP
ajfti-3193	146	7	5	5	NUM
ajfti-3193	146	8	years	year	NOUN
ajfti-3193	146	9	of	of	ADP
ajfti-3193	146	10	experience	experience	NOUN
ajfti-3193	146	11	–	–	PUNCT
ajfti-3193	146	12	36	36	NUM
ajfti-3193	146	13	%	%	NOUN
ajfti-3193	146	14	,	,	PUNCT
ajfti-3193	146	15	which	which	PRON
ajfti-3193	146	16	implies	imply	VERB
ajfti-3193	146	17	that	that	SCONJ
ajfti-3193	146	18	many	many	ADJ
ajfti-3193	146	19	young	young	ADJ
ajfti-3193	146	20	professionals	professional	NOUN
ajfti-3193	146	21	are	be	AUX
ajfti-3193	146	22	actively	actively	ADV
ajfti-3193	146	23	working	work	VERB
ajfti-3193	146	24	in	in	ADP
ajfti-3193	146	25	the	the	DET
ajfti-3193	146	26	industry	industry	NOUN
ajfti-3193	146	27	.	.	PUNCT
ajfti-3193	147	1	employees	employee	NOUN
ajfti-3193	147	2	with	with	ADP
ajfti-3193	147	3	5	5	NUM
ajfti-3193	147	4	-	-	SYM
ajfti-3193	147	5	10	10	NUM
ajfti-3193	147	6	years	year	NOUN
ajfti-3193	147	7	of	of	ADP
ajfti-3193	147	8	experience	experience	NOUN
ajfti-3193	147	9	account	account	NOUN
ajfti-3193	147	10	for	for	ADP
ajfti-3193	147	11	28	28	NUM
ajfti-3193	147	12	%	%	NOUN
ajfti-3193	147	13	,	,	PUNCT
ajfti-3193	147	14	while	while	SCONJ
ajfti-3193	147	15	those	those	PRON
ajfti-3193	147	16	with	with	ADP
ajfti-3193	147	17	11	11	NUM
ajfti-3193	147	18	-	-	SYM
ajfti-3193	147	19	15	15	NUM
ajfti-3193	147	20	years	year	NOUN
ajfti-3193	147	21	account	account	VERB
ajfti-3193	147	22	for	for	ADP
ajfti-3193	147	23	22	22	NUM
ajfti-3193	147	24	%	%	NOUN
ajfti-3193	147	25	.	.	PUNCT
ajfti-3193	148	1	the	the	DET
ajfti-3193	148	2	smallest	small	ADJ
ajfti-3193	148	3	group	group	NOUN
ajfti-3193	148	4	is	be	AUX
ajfti-3193	148	5	those	those	PRON
ajfti-3193	148	6	with	with	ADP
ajfti-3193	148	7	more	more	ADJ
ajfti-3193	148	8	than	than	ADP
ajfti-3193	148	9	15	15	NUM
ajfti-3193	148	10	years	year	NOUN
ajfti-3193	148	11	of	of	ADP
ajfti-3193	148	12	experience	experience	NOUN
ajfti-3193	148	13	,	,	PUNCT
ajfti-3193	148	14	accounting	account	VERB
ajfti-3193	148	15	for	for	ADP
ajfti-3193	148	16	14	14	NUM
ajfti-3193	148	17	%	%	NOUN
ajfti-3193	148	18	.	.	PUNCT
ajfti-3193	149	1	these	these	DET
ajfti-3193	149	2	cumulative	cumulative	ADJ
ajfti-3193	149	3	percentages	percentage	NOUN
ajfti-3193	149	4	reveal	reveal	VERB
ajfti-3193	149	5	that	that	SCONJ
ajfti-3193	149	6	individuals	individual	NOUN
ajfti-3193	149	7	with	with	ADP
ajfti-3193	149	8	up	up	ADP
ajfti-3193	149	9	to	to	PART
ajfti-3193	149	10	15	15	NUM
ajfti-3193	149	11	years	year	NOUN
ajfti-3193	149	12	of	of	ADP
ajfti-3193	149	13	work	work	NOUN
ajfti-3193	149	14	experience	experience	NOUN
ajfti-3193	149	15	cover	cover	VERB
ajfti-3193	149	16	86	86	NUM
ajfti-3193	149	17	%	%	NOUN
ajfti-3193	149	18	of	of	ADP
ajfti-3193	149	19	the	the	DET
ajfti-3193	149	20	sample	sample	NOUN
ajfti-3193	149	21	,	,	PUNCT
ajfti-3193	149	22	with	with	ADP
ajfti-3193	149	23	the	the	DET
ajfti-3193	149	24	remaining	remain	VERB
ajfti-3193	149	25	14	14	NUM
ajfti-3193	149	26	%	%	NOUN
ajfti-3193	149	27	having	have	VERB
ajfti-3193	149	28	more	more	ADJ
ajfti-3193	149	29	than	than	ADP
ajfti-3193	149	30	15	15	NUM
ajfti-3193	149	31	years	year	NOUN
ajfti-3193	149	32	of	of	ADP
ajfti-3193	149	33	work	work	NOUN
ajfti-3193	149	34	experience	experience	NOUN
ajfti-3193	149	35	.	.	PUNCT
ajfti-3193	150	1	this	this	DET
ajfti-3193	150	2	distribution	distribution	NOUN
ajfti-3193	150	3	reflects	reflect	VERB
ajfti-3193	150	4	a	a	DET
ajfti-3193	150	5	working	work	VERB
ajfti-3193	150	6	population	population	NOUN
ajfti-3193	150	7	with	with	ADP
ajfti-3193	150	8	a	a	DET
ajfti-3193	150	9	varied	varied	ADJ
ajfti-3193	150	10	experience	experience	NOUN
ajfti-3193	150	11	level	level	NOUN
ajfti-3193	150	12	and	and	CCONJ
ajfti-3193	150	13	a	a	DET
ajfti-3193	150	14	strong	strong	ADJ
ajfti-3193	150	15	concentration	concentration	NOUN
ajfti-3193	150	16	on	on	ADP
ajfti-3193	150	17	those	those	PRON
ajfti-3193	150	18	still	still	ADV
ajfti-3193	150	19	relatively	relatively	ADV
ajfti-3193	150	20	new	new	ADJ
ajfti-3193	150	21	to	to	ADP
ajfti-3193	150	22	the	the	DET
ajfti-3193	150	23	banking	banking	NOUN
ajfti-3193	150	24	industry	industry	NOUN
ajfti-3193	150	25	.	.	PUNCT
ajfti-3193	151	1	table	table	NOUN
ajfti-3193	151	2	3	3	NUM
ajfti-3193	151	3	:	:	PUNCT
ajfti-3193	151	4	type	type	NOUN
ajfti-3193	151	5	of	of	ADP
ajfti-3193	151	6	bank	bank	NOUN
ajfti-3193	151	7	type	type	NOUN
ajfti-3193	151	8	of	of	ADP
ajfti-3193	151	9	bank	bank	NOUN
ajfti-3193	151	10	frequency	frequency	NOUN
ajfti-3193	151	11	percent	percent	NOUN
ajfti-3193	151	12	valid	valid	ADJ
ajfti-3193	151	13	percent	percent	NOUN
ajfti-3193	151	14	cumulative	cumulative	ADJ
ajfti-3193	151	15	percent	percent	NOUN
ajfti-3193	151	16	valid	valid	ADJ
ajfti-3193	151	17	international	international	PROPN
ajfti-3193	151	18	bank	bank	NOUN
ajfti-3193	151	19	14	14	NUM
ajfti-3193	151	20	28.0	28.0	NUM
ajfti-3193	151	21	28.0	28.0	NUM
ajfti-3193	151	22	28.0	28.0	NUM
ajfti-3193	151	23	national	national	PROPN
ajfti-3193	151	24	bank	bank	PROPN
ajfti-3193	151	25	19	19	NUM
ajfti-3193	151	26	38.0	38.0	NUM
ajfti-3193	151	27	38.0	38.0	NUM
ajfti-3193	151	28	66.0	66.0	NUM
ajfti-3193	151	29	regional	regional	ADJ
ajfti-3193	151	30	bank	bank	NOUN
ajfti-3193	151	31	17	17	NUM
ajfti-3193	151	32	34.0	34.0	NUM
ajfti-3193	151	33	34.0	34.0	NUM
ajfti-3193	151	34	100.0	100.0	NUM
ajfti-3193	151	35	total	total	NOUN
ajfti-3193	151	36	50	50	NUM
ajfti-3193	151	37	100.0	100.0	NUM
ajfti-3193	151	38	100.0	100.0	NUM
ajfti-3193	151	39	table	table	NOUN
ajfti-3193	151	40	4	4	NUM
ajfti-3193	151	41	:	:	PUNCT
ajfti-3193	151	42	impact	impact	NOUN
ajfti-3193	151	43	of	of	ADP
ajfti-3193	151	44	credit	credit	NOUN
ajfti-3193	151	45	risk	risk	NOUN
ajfti-3193	151	46	on	on	ADP
ajfti-3193	151	47	financing	financing	NOUN
ajfti-3193	151	48	decisions	decision	NOUN
ajfti-3193	151	49	coefficients	coefficient	VERB
ajfti-3193	151	50	model	model	NOUN
ajfti-3193	151	51	unstandardized	unstandardized	ADJ
ajfti-3193	151	52	coefficients	coefficient	NOUN
ajfti-3193	151	53	standardized	standardize	VERB
ajfti-3193	151	54	coefficients	coefficient	NOUN
ajfti-3193	151	55	t	t	PROPN
ajfti-3193	151	56	sig	sig	PROPN
ajfti-3193	151	57	.	.	PUNCT
ajfti-3193	152	1	b	b	X
ajfti-3193	152	2	std	std	PROPN
ajfti-3193	152	3	.	.	NOUN
ajfti-3193	152	4	error	error	NOUN
ajfti-3193	152	5	beta	beta	NOUN
ajfti-3193	152	6	1	1	NUM
ajfti-3193	152	7	(	(	PUNCT
ajfti-3193	152	8	constant	constant	ADJ
ajfti-3193	152	9	)	)	PUNCT
ajfti-3193	152	10	-1.273	-1.273	PUNCT
ajfti-3193	152	11	.212	.212	NUM
ajfti-3193	152	12	-6.002	-6.002	NOUN
ajfti-3193	152	13	.000	.000	NUM
ajfti-3193	152	14	credit	credit	NOUN
ajfti-3193	152	15	risk	risk	NOUN
ajfti-3193	152	16	1.133	1.133	NUM
ajfti-3193	152	17	.050	.050	NUM
ajfti-3193	152	18	.956	.956	NUM
ajfti-3193	152	19	22.711	22.711	NUM
ajfti-3193	152	20	.000	.000	NUM
ajfti-3193	152	21	a.	a.	NOUN
ajfti-3193	152	22	dependent	dependent	ADJ
ajfti-3193	152	23	variable	variable	NOUN
ajfti-3193	152	24	:	:	PUNCT
ajfti-3193	152	25	financing	finance	VERB
ajfti-3193	152	26	decision	decision	NOUN
ajfti-3193	152	27	table	table	NOUN
ajfti-3193	152	28	5	5	NUM
ajfti-3193	152	29	:	:	PUNCT
ajfti-3193	152	30	impact	impact	NOUN
ajfti-3193	152	31	of	of	ADP
ajfti-3193	152	32	liquidity	liquidity	NOUN
ajfti-3193	152	33	risk	risk	NOUN
ajfti-3193	152	34	on	on	ADP
ajfti-3193	152	35	financing	finance	VERB
ajfti-3193	152	36	decision	decision	NOUN
ajfti-3193	152	37	coefficients	coefficient	NOUN
ajfti-3193	152	38	model	model	VERB
ajfti-3193	152	39	unstandardized	unstandardized	ADJ
ajfti-3193	152	40	coefficients	coefficient	NOUN
ajfti-3193	152	41	standardized	standardize	VERB
ajfti-3193	152	42	coefficients	coefficient	NOUN
ajfti-3193	152	43	t	t	PROPN
ajfti-3193	152	44	sig	sig	PROPN
ajfti-3193	152	45	.	.	PUNCT
ajfti-3193	153	1	b	b	X
ajfti-3193	153	2	std	std	PROPN
ajfti-3193	153	3	.	.	NOUN
ajfti-3193	153	4	error	error	NOUN
ajfti-3193	153	5	beta	beta	NOUN
ajfti-3193	153	6	1	1	NUM
ajfti-3193	153	7	(	(	PUNCT
ajfti-3193	153	8	constant	constant	ADJ
ajfti-3193	153	9	)	)	PUNCT
ajfti-3193	153	10	-.740	-.740	NOUN
ajfti-3193	153	11	.160	.160	NUM
ajfti-3193	153	12	-4.622	-4.622	NUM
ajfti-3193	153	13	.000	.000	NUM
ajfti-3193	153	14	liquidity	liquidity	NOUN
ajfti-3193	153	15	risk	risk	NOUN
ajfti-3193	153	16	1.037	1.037	NUM
ajfti-3193	153	17	.038	.038	NUM
ajfti-3193	153	18	.970	.970	NUM
ajfti-3193	153	19	27.510	27.510	NUM
ajfti-3193	153	20	.000	.000	NUM
ajfti-3193	153	21	a.	a.	NOUN
ajfti-3193	153	22	dependent	dependent	ADJ
ajfti-3193	153	23	variable	variable	NOUN
ajfti-3193	153	24	:	:	PUNCT
ajfti-3193	153	25	financing	financing	NOUN
ajfti-3193	153	26	decision	decision	NOUN
ajfti-3193	153	27	the	the	DET
ajfti-3193	153	28	dataset	dataset	NOUN
ajfti-3193	153	29	consists	consist	VERB
ajfti-3193	153	30	of	of	ADP
ajfti-3193	153	31	50	50	NUM
ajfti-3193	153	32	respondents	respondent	NOUN
ajfti-3193	153	33	working	work	VERB
ajfti-3193	153	34	in	in	ADP
ajfti-3193	153	35	three	three	NUM
ajfti-3193	153	36	different	different	ADJ
ajfti-3193	153	37	types	type	NOUN
ajfti-3193	153	38	of	of	ADP
ajfti-3193	153	39	banks	bank	NOUN
ajfti-3193	153	40	in	in	ADP
ajfti-3193	153	41	arar	arar	PROPN
ajfti-3193	153	42	city	city	PROPN
ajfti-3193	153	43	.	.	PUNCT
ajfti-3193	154	1	these	these	PRON
ajfti-3193	154	2	include	include	VERB
ajfti-3193	154	3	38	38	NUM
ajfti-3193	154	4	%	%	NOUN
ajfti-3193	154	5	who	who	PRON
ajfti-3193	154	6	work	work	VERB
ajfti-3193	154	7	for	for	ADP
ajfti-3193	154	8	national	national	ADJ
ajfti-3193	154	9	banks	bank	NOUN
ajfti-3193	154	10	,	,	PUNCT
ajfti-3193	154	11	thus	thus	ADV
ajfti-3193	154	12	making	make	VERB
ajfti-3193	154	13	this	this	DET
ajfti-3193	154	14	group	group	NOUN
ajfti-3193	154	15	the	the	DET
ajfti-3193	154	16	largest	large	ADJ
ajfti-3193	154	17	,	,	PUNCT
ajfti-3193	154	18	demonstrating	demonstrate	VERB
ajfti-3193	154	19	the	the	DET
ajfti-3193	154	20	prevalence	prevalence	NOUN
ajfti-3193	154	21	of	of	ADP
ajfti-3193	154	22	domestic	domestic	ADJ
ajfti-3193	154	23	banks	bank	NOUN
ajfti-3193	154	24	in	in	ADP
ajfti-3193	154	25	the	the	DET
ajfti-3193	154	26	region	region	NOUN
ajfti-3193	154	27	.	.	PUNCT
ajfti-3193	155	1	regional	regional	ADJ
ajfti-3193	155	2	banks	bank	NOUN
ajfti-3193	155	3	were	be	AUX
ajfti-3193	155	4	the	the	DET
ajfti-3193	155	5	second	second	ADJ
ajfti-3193	155	6	segment	segment	NOUN
ajfti-3193	155	7	,	,	PUNCT
ajfti-3193	155	8	accounting	account	VERB
ajfti-3193	155	9	for	for	ADP
ajfti-3193	155	10	34	34	NUM
ajfti-3193	155	11	%	%	NOUN
ajfti-3193	155	12	of	of	ADP
ajfti-3193	155	13	the	the	DET
ajfti-3193	155	14	participants	participant	NOUN
ajfti-3193	155	15	,	,	PUNCT
ajfti-3193	155	16	implying	imply	VERB
ajfti-3193	155	17	that	that	SCONJ
ajfti-3193	155	18	most	most	ADJ
ajfti-3193	155	19	participants	participant	NOUN
ajfti-3193	155	20	work	work	VERB
ajfti-3193	155	21	in	in	ADP
ajfti-3193	155	22	the	the	DET
ajfti-3193	155	23	banking	banking	NOUN
ajfti-3193	155	24	sector	sector	NOUN
ajfti-3193	155	25	,	,	PUNCT
ajfti-3193	155	26	which	which	PRON
ajfti-3193	155	27	is	be	AUX
ajfti-3193	155	28	in	in	ADP
ajfti-3193	155	29	a	a	DET
ajfti-3193	155	30	specific	specific	ADJ
ajfti-3193	155	31	area	area	NOUN
ajfti-3193	155	32	or	or	CCONJ
ajfti-3193	155	33	region	region	NOUN
ajfti-3193	155	34	.	.	PUNCT
ajfti-3193	156	1	banks	bank	NOUN
ajfti-3193	156	2	located	locate	VERB
ajfti-3193	156	3	globally	globally	ADV
ajfti-3193	156	4	or	or	CCONJ
ajfti-3193	156	5	in	in	ADP
ajfti-3193	156	6	many	many	ADJ
ajfti-3193	156	7	countries	country	NOUN
ajfti-3193	156	8	were	be	AUX
ajfti-3193	156	9	represented	represent	VERB
ajfti-3193	156	10	by	by	ADP
ajfti-3193	156	11	28	28	NUM
ajfti-3193	156	12	%	%	NOUN
ajfti-3193	156	13	of	of	ADP
ajfti-3193	156	14	the	the	DET
ajfti-3193	156	15	participants	participant	NOUN
ajfti-3193	156	16	,	,	PUNCT
ajfti-3193	156	17	accounting	account	VERB
ajfti-3193	156	18	for	for	ADP
ajfti-3193	156	19	international	international	ADJ
ajfti-3193	156	20	banks	bank	NOUN
ajfti-3193	156	21	.	.	PUNCT
ajfti-3193	157	1	the	the	DET
ajfti-3193	157	2	cumulative	cumulative	ADJ
ajfti-3193	157	3	percentages	percentage	NOUN
ajfti-3193	157	4	show	show	VERB
ajfti-3193	157	5	that	that	SCONJ
ajfti-3193	157	6	the	the	DET
ajfti-3193	157	7	sample	sample	NOUN
ajfti-3193	157	8	comprises	comprise	VERB
ajfti-3193	157	9	66	66	NUM
ajfti-3193	157	10	%	%	NOUN
ajfti-3193	157	11	of	of	ADP
ajfti-3193	157	12	the	the	DET
ajfti-3193	157	13	national	national	ADJ
ajfti-3193	157	14	and	and	CCONJ
ajfti-3193	157	15	international	international	ADJ
ajfti-3193	157	16	banks	bank	NOUN
ajfti-3193	157	17	,	,	PUNCT
ajfti-3193	157	18	while	while	SCONJ
ajfti-3193	157	19	34	34	NUM
ajfti-3193	157	20	%	%	NOUN
ajfti-3193	157	21	are	be	AUX
ajfti-3193	157	22	from	from	ADP
ajfti-3193	157	23	regional	regional	ADJ
ajfti-3193	157	24	banks	bank	NOUN
ajfti-3193	157	25	.	.	PUNCT
ajfti-3193	158	1	this	this	DET
ajfti-3193	158	2	distribution	distribution	NOUN
ajfti-3193	158	3	also	also	ADV
ajfti-3193	158	4	shows	show	VERB
ajfti-3193	158	5	a	a	DET
ajfti-3193	158	6	diverse	diverse	ADJ
ajfti-3193	158	7	banking	banking	NOUN
ajfti-3193	158	8	workforce	workforce	NOUN
ajfti-3193	158	9	in	in	ADP
ajfti-3193	158	10	the	the	DET
ajfti-3193	158	11	banking	banking	NOUN
ajfti-3193	158	12	sector	sector	NOUN
ajfti-3193	158	13	of	of	ADP
ajfti-3193	158	14	arar	arar	PROPN
ajfti-3193	158	15	city	city	NOUN
ajfti-3193	158	16	,	,	PUNCT
ajfti-3193	158	17	including	include	VERB
ajfti-3193	158	18	individuals	individual	NOUN
ajfti-3193	158	19	working	work	VERB
ajfti-3193	158	20	in	in	ADP
ajfti-3193	158	21	national	national	ADJ
ajfti-3193	158	22	,	,	PUNCT
ajfti-3193	158	23	regional	regional	ADJ
ajfti-3193	158	24	and	and	CCONJ
ajfti-3193	158	25	international	international	ADJ
ajfti-3193	158	26	banks	bank	NOUN
ajfti-3193	158	27	.	.	PUNCT
ajfti-3193	159	1	in	in	ADP
ajfti-3193	159	2	table	table	NOUN
ajfti-3193	159	3	4	4	NUM
ajfti-3193	159	4	,	,	PUNCT
ajfti-3193	159	5	regression	regression	VERB
ajfti-3193	159	6	analysis	analysis	NOUN
ajfti-3193	159	7	examines	examine	VERB
ajfti-3193	159	8	the	the	DET
ajfti-3193	159	9	impact	impact	NOUN
ajfti-3193	159	10	of	of	ADP
ajfti-3193	159	11	credit	credit	NOUN
ajfti-3193	159	12	risk	risk	NOUN
ajfti-3193	159	13	on	on	ADP
ajfti-3193	159	14	the	the	DET
ajfti-3193	159	15	financing	financing	NOUN
ajfti-3193	159	16	decisions	decision	NOUN
ajfti-3193	159	17	of	of	ADP
ajfti-3193	159	18	banks	bank	NOUN
ajfti-3193	159	19	in	in	ADP
ajfti-3193	159	20	arar	arar	PROPN
ajfti-3193	159	21	city	city	PROPN
ajfti-3193	159	22	.	.	PUNCT
ajfti-3193	160	1	the	the	DET
ajfti-3193	160	2	model	model	NOUN
ajfti-3193	160	3	includes	include	VERB
ajfti-3193	160	4	a	a	DET
ajfti-3193	160	5	constant	constant	ADJ
ajfti-3193	160	6	term	term	NOUN
ajfti-3193	160	7	of	of	ADP
ajfti-3193	160	8	-1.273	-1.273	NOUN
ajfti-3193	160	9	,	,	PUNCT
ajfti-3193	160	10	which	which	PRON
ajfti-3193	160	11	,	,	PUNCT
ajfti-3193	160	12	though	though	SCONJ
ajfti-3193	160	13	statistically	statistically	ADV
ajfti-3193	160	14	significant	significant	ADJ
ajfti-3193	160	15	(	(	PUNCT
ajfti-3193	160	16	t	t	NOUN
ajfti-3193	160	17	=	=	PUNCT
ajfti-3193	160	18	-6.002	-6.002	NOUN
ajfti-3193	160	19	,	,	PUNCT
ajfti-3193	160	20	p	p	X
ajfti-3193	160	21	=	=	NOUN
ajfti-3193	160	22	0.000	0.000	NUM
ajfti-3193	160	23	)	)	PUNCT
ajfti-3193	160	24	,	,	PUNCT
ajfti-3193	160	25	primarily	primarily	ADV
ajfti-3193	160	26	serves	serve	VERB
ajfti-3193	160	27	as	as	ADP
ajfti-3193	160	28	a	a	DET
ajfti-3193	160	29	baseline	baseline	NOUN
ajfti-3193	160	30	reference	reference	NOUN
ajfti-3193	160	31	point	point	NOUN
ajfti-3193	160	32	.	.	PUNCT
ajfti-3193	161	1	the	the	DET
ajfti-3193	161	2	unstandardized	unstandardized	ADJ
ajfti-3193	161	3	coefficient	coefficient	NOUN
ajfti-3193	161	4	for	for	ADP
ajfti-3193	161	5	credit	credit	NOUN
ajfti-3193	161	6	risk	risk	NOUN
ajfti-3193	161	7	was	be	AUX
ajfti-3193	161	8	1.133	1.133	NUM
ajfti-3193	161	9	,	,	PUNCT
ajfti-3193	161	10	which	which	PRON
ajfti-3193	161	11	indicates	indicate	VERB
ajfti-3193	161	12	that	that	SCONJ
ajfti-3193	161	13	each	each	DET
ajfti-3193	161	14	unit	unit	NOUN
ajfti-3193	161	15	increase	increase	VERB
ajfti-3193	161	16	in	in	ADP
ajfti-3193	161	17	credit	credit	NOUN
ajfti-3193	161	18	risk	risk	NOUN
ajfti-3193	161	19	corresponds	correspond	VERB
ajfti-3193	161	20	to	to	ADP
ajfti-3193	161	21	a	a	DET
ajfti-3193	161	22	1.133	1.133	NUM
ajfti-3193	161	23	-	-	PUNCT
ajfti-3193	161	24	unit	unit	NOUN
ajfti-3193	161	25	rise	rise	NOUN
ajfti-3193	161	26	in	in	ADP
ajfti-3193	161	27	the	the	DET
ajfti-3193	161	28	financing	financing	NOUN
ajfti-3193	161	29	decision	decision	NOUN
ajfti-3193	161	30	.	.	PUNCT
ajfti-3193	162	1	the	the	DET
ajfti-3193	162	2	standardized	standardized	ADJ
ajfti-3193	162	3	coefficient	coefficient	NOUN
ajfti-3193	162	4	(	(	PUNCT
ajfti-3193	162	5	beta	beta	NOUN
ajfti-3193	162	6	)	)	PUNCT
ajfti-3193	162	7	of	of	ADP
ajfti-3193	162	8	0.956	0.956	NUM
ajfti-3193	162	9	demonstrates	demonstrate	VERB
ajfti-3193	162	10	a	a	DET
ajfti-3193	162	11	strong	strong	ADJ
ajfti-3193	162	12	positive	positive	ADJ
ajfti-3193	162	13	relationship	relationship	NOUN
ajfti-3193	162	14	between	between	ADP
ajfti-3193	162	15	credit	credit	NOUN
ajfti-3193	162	16	risk	risk	NOUN
ajfti-3193	162	17	and	and	CCONJ
ajfti-3193	162	18	financing	financing	NOUN
ajfti-3193	162	19	decisions	decision	NOUN
ajfti-3193	162	20	.	.	PUNCT
ajfti-3193	163	1	this	this	DET
ajfti-3193	163	2	relationship	relationship	NOUN
ajfti-3193	163	3	is	be	AUX
ajfti-3193	163	4	highly	highly	ADV
ajfti-3193	163	5	statistically	statistically	ADV
ajfti-3193	163	6	significant	significant	ADJ
ajfti-3193	163	7	,	,	PUNCT
ajfti-3193	163	8	evidenced	evidence	VERB
ajfti-3193	163	9	by	by	ADP
ajfti-3193	163	10	a	a	DET
ajfti-3193	163	11	t	t	NOUN
ajfti-3193	163	12	-	-	PUNCT
ajfti-3193	163	13	value	value	NOUN
ajfti-3193	163	14	of	of	ADP
ajfti-3193	163	15	22.711	22.711	NUM
ajfti-3193	163	16	and	and	CCONJ
ajfti-3193	163	17	a	a	DET
ajfti-3193	163	18	p	p	NOUN
ajfti-3193	163	19	-	-	PUNCT
ajfti-3193	163	20	value	value	NOUN
ajfti-3193	163	21	of	of	ADP
ajfti-3193	163	22	0.000	0.000	NUM
ajfti-3193	163	23	.	.	PUNCT
ajfti-3193	164	1	overall	overall	ADV
ajfti-3193	164	2	,	,	PUNCT
ajfti-3193	164	3	the	the	DET
ajfti-3193	164	4	analysis	analysis	NOUN
ajfti-3193	164	5	shows	show	VERB
ajfti-3193	164	6	that	that	SCONJ
ajfti-3193	164	7	higher	high	ADJ
ajfti-3193	164	8	credit	credit	NOUN
ajfti-3193	164	9	risk	risk	NOUN
ajfti-3193	164	10	significantly	significantly	ADV
ajfti-3193	164	11	and	and	CCONJ
ajfti-3193	164	12	positively	positively	ADV
ajfti-3193	164	13	influences	influence	VERB
ajfti-3193	164	14	the	the	DET
ajfti-3193	164	15	financing	financing	NOUN
ajfti-3193	164	16	decisions	decision	NOUN
ajfti-3193	164	17	of	of	ADP
ajfti-3193	164	18	banks	bank	NOUN
ajfti-3193	164	19	,	,	PUNCT
ajfti-3193	164	20	leading	lead	VERB
ajfti-3193	164	21	them	they	PRON
ajfti-3193	164	22	to	to	PART
ajfti-3193	164	23	make	make	VERB
ajfti-3193	164	24	more	more	ADV
ajfti-3193	164	25	substantial	substantial	ADJ
ajfti-3193	164	26	or	or	CCONJ
ajfti-3193	164	27	aggressive	aggressive	ADJ
ajfti-3193	164	28	financial	financial	ADJ
ajfti-3193	164	29	decisions	decision	NOUN
ajfti-3193	164	30	.	.	PUNCT
ajfti-3193	165	1	the	the	DET
ajfti-3193	165	2	regression	regression	NOUN
ajfti-3193	165	3	analysis	analysis	NOUN
ajfti-3193	165	4	investigates	investigate	VERB
ajfti-3193	165	5	the	the	DET
ajfti-3193	165	6	effect	effect	NOUN
ajfti-3193	165	7	of	of	ADP
ajfti-3193	165	8	liquidity	liquidity	NOUN
ajfti-3193	165	9	risk	risk	NOUN
ajfti-3193	165	10	on	on	ADP
ajfti-3193	165	11	financial	financial	ADJ
ajfti-3193	165	12	decisions	decision	NOUN
ajfti-3193	165	13	in	in	ADP
ajfti-3193	165	14	banks	bank	NOUN
ajfti-3193	165	15	.	.	PUNCT
ajfti-3193	166	1	the	the	DET
ajfti-3193	166	2	model	model	NOUN
ajfti-3193	166	3	’s	’s	PART
ajfti-3193	166	4	constant	constant	ADJ
ajfti-3193	166	5	term	term	NOUN
ajfti-3193	166	6	is	be	AUX
ajfti-3193	166	7	-0.740	-0.740	PUNCT
ajfti-3193	166	8	,	,	PUNCT
ajfti-3193	166	9	with	with	ADP
ajfti-3193	166	10	a	a	DET
ajfti-3193	166	11	standard	standard	ADJ
ajfti-3193	166	12	error	error	NOUN
ajfti-3193	166	13	of	of	ADP
ajfti-3193	166	14	0.160	0.160	NUM
ajfti-3193	166	15	,	,	PUNCT
ajfti-3193	166	16	and	and	CCONJ
ajfti-3193	166	17	is	be	AUX
ajfti-3193	166	18	statistically	statistically	ADV
ajfti-3193	166	19	significant	significant	ADJ
ajfti-3193	166	20	with	with	ADP
ajfti-3193	166	21	a	a	DET
ajfti-3193	166	22	t	t	NOUN
ajfti-3193	166	23	-	-	PUNCT
ajfti-3193	166	24	value	value	NOUN
ajfti-3193	166	25	of	of	ADP
ajfti-3193	166	26	-4.622	-4.622	NUM
ajfti-3193	166	27	and	and	CCONJ
ajfti-3193	166	28	a	a	DET
ajfti-3193	166	29	p	p	NOUN
ajfti-3193	166	30	-	-	PUNCT
ajfti-3193	166	31	value	value	NOUN
ajfti-3193	166	32	of	of	ADP
ajfti-3193	166	33	0.000	0.000	NUM
ajfti-3193	166	34	.	.	PUNCT
ajfti-3193	167	1	this	this	DET
ajfti-3193	167	2	negative	negative	ADJ
ajfti-3193	167	3	intercept	intercept	NOUN
ajfti-3193	167	4	suggests	suggest	VERB
ajfti-3193	167	5	that	that	SCONJ
ajfti-3193	167	6	if	if	SCONJ
ajfti-3193	167	7	liquidity	liquidity	NOUN
ajfti-3193	167	8	risk	risk	NOUN
ajfti-3193	167	9	were	be	AUX
ajfti-3193	167	10	zero	zero	NUM
ajfti-3193	167	11	,	,	PUNCT
ajfti-3193	167	12	the	the	DET
ajfti-3193	167	13	financial	financial	ADJ
ajfti-3193	167	14	pa	pa	PROPN
ajfti-3193	167	15	ge	ge	PROPN
ajfti-3193	167	16	39	39	NUM
ajfti-3193	167	17	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	167	18	am	be	AUX
ajfti-3193	167	19	.	.	PUNCT
ajfti-3193	168	1	j.	j.	PROPN
ajfti-3193	168	2	financ	financ	PROPN
ajfti-3193	168	3	.	.	PUNCT
ajfti-3193	169	1	technol	technol	PROPN
ajfti-3193	169	2	.	.	PUNCT
ajfti-3193	169	3	innov	innov	PROPN
ajfti-3193	169	4	.	.	PUNCT
ajfti-3193	170	1	2(1	2(1	NUM
ajfti-3193	170	2	)	)	PUNCT
ajfti-3193	170	3	33	33	NUM
ajfti-3193	170	4	-	-	SYM
ajfti-3193	170	5	43	43	NUM
ajfti-3193	170	6	,	,	PUNCT
ajfti-3193	170	7	2024	2024	NUM
ajfti-3193	170	8	is	be	AUX
ajfti-3193	170	9	highly	highly	ADV
ajfti-3193	170	10	statistically	statistically	ADV
ajfti-3193	170	11	significant	significant	ADJ
ajfti-3193	170	12	,	,	PUNCT
ajfti-3193	170	13	as	as	SCONJ
ajfti-3193	170	14	evidenced	evidence	VERB
ajfti-3193	170	15	by	by	ADP
ajfti-3193	170	16	a	a	DET
ajfti-3193	170	17	t	t	NOUN
ajfti-3193	170	18	-	-	PUNCT
ajfti-3193	170	19	value	value	NOUN
ajfti-3193	170	20	of	of	ADP
ajfti-3193	170	21	27.510	27.510	NUM
ajfti-3193	170	22	and	and	CCONJ
ajfti-3193	170	23	a	a	DET
ajfti-3193	170	24	p	p	NOUN
ajfti-3193	170	25	-	-	PUNCT
ajfti-3193	170	26	value	value	NOUN
ajfti-3193	170	27	of	of	ADP
ajfti-3193	170	28	0.000	0.000	NUM
ajfti-3193	170	29	,	,	PUNCT
ajfti-3193	170	30	implying	imply	VERB
ajfti-3193	170	31	the	the	DET
ajfti-3193	170	32	likelihood	likelihood	NOUN
ajfti-3193	170	33	of	of	ADP
ajfti-3193	170	34	this	this	DET
ajfti-3193	170	35	result	result	NOUN
ajfti-3193	170	36	occurring	occur	VERB
ajfti-3193	170	37	by	by	ADP
ajfti-3193	170	38	chance	chance	NOUN
ajfti-3193	170	39	is	be	AUX
ajfti-3193	170	40	virtually	virtually	ADV
ajfti-3193	170	41	zero	zero	NUM
ajfti-3193	170	42	.	.	PUNCT
ajfti-3193	171	1	the	the	DET
ajfti-3193	171	2	results	result	NOUN
ajfti-3193	171	3	demonstrate	demonstrate	VERB
ajfti-3193	171	4	a	a	DET
ajfti-3193	171	5	significant	significant	ADJ
ajfti-3193	171	6	and	and	CCONJ
ajfti-3193	171	7	robust	robust	ADJ
ajfti-3193	171	8	positive	positive	ADJ
ajfti-3193	171	9	correlation	correlation	NOUN
ajfti-3193	171	10	between	between	ADP
ajfti-3193	171	11	liquidity	liquidity	NOUN
ajfti-3193	171	12	risk	risk	NOUN
ajfti-3193	171	13	and	and	CCONJ
ajfti-3193	171	14	financial	financial	ADJ
ajfti-3193	171	15	decisions	decision	NOUN
ajfti-3193	171	16	.	.	PUNCT
ajfti-3193	172	1	as	as	SCONJ
ajfti-3193	172	2	liquidity	liquidity	NOUN
ajfti-3193	172	3	risk	risk	NOUN
ajfti-3193	172	4	increases	increase	NOUN
ajfti-3193	172	5	,	,	PUNCT
ajfti-3193	172	6	banks	bank	NOUN
ajfti-3193	172	7	tend	tend	VERB
ajfti-3193	172	8	to	to	PART
ajfti-3193	172	9	make	make	VERB
ajfti-3193	172	10	more	more	ADV
ajfti-3193	172	11	substantial	substantial	ADJ
ajfti-3193	172	12	financial	financial	ADJ
ajfti-3193	172	13	decisions	decision	NOUN
ajfti-3193	172	14	,	,	PUNCT
ajfti-3193	172	15	reflecting	reflect	VERB
ajfti-3193	172	16	a	a	DET
ajfti-3193	172	17	strong	strong	ADJ
ajfti-3193	172	18	influence	influence	NOUN
ajfti-3193	172	19	of	of	ADP
ajfti-3193	172	20	liquidity	liquidity	NOUN
ajfti-3193	172	21	risk	risk	NOUN
ajfti-3193	172	22	on	on	ADP
ajfti-3193	172	23	their	their	PRON
ajfti-3193	172	24	financial	financial	ADJ
ajfti-3193	172	25	strategies	strategy	NOUN
ajfti-3193	172	26	.	.	PUNCT
ajfti-3193	173	1	decision	decision	NOUN
ajfti-3193	173	2	score	score	NOUN
ajfti-3193	173	3	would	would	AUX
ajfti-3193	173	4	start	start	VERB
ajfti-3193	173	5	at	at	ADP
ajfti-3193	173	6	-0.740	-0.740	PUNCT
ajfti-3193	173	7	,	,	PUNCT
ajfti-3193	173	8	although	although	SCONJ
ajfti-3193	173	9	the	the	DET
ajfti-3193	173	10	intercept	intercept	NOUN
ajfti-3193	173	11	holds	hold	VERB
ajfti-3193	173	12	substantial	substantial	ADJ
ajfti-3193	173	13	practical	practical	ADJ
ajfti-3193	173	14	meaning	meaning	NOUN
ajfti-3193	173	15	alone	alone	ADV
ajfti-3193	173	16	.	.	PUNCT
ajfti-3193	174	1	the	the	DET
ajfti-3193	174	2	unstandardized	unstandardized	ADJ
ajfti-3193	174	3	coefficient	coefficient	NOUN
ajfti-3193	174	4	for	for	ADP
ajfti-3193	174	5	liquidity	liquidity	NOUN
ajfti-3193	174	6	risk	risk	NOUN
ajfti-3193	174	7	was	be	AUX
ajfti-3193	174	8	1.037	1.037	NUM
ajfti-3193	174	9	,	,	PUNCT
ajfti-3193	174	10	which	which	PRON
ajfti-3193	174	11	indicates	indicate	VERB
ajfti-3193	174	12	that	that	SCONJ
ajfti-3193	174	13	for	for	SCONJ
ajfti-3193	174	14	each	each	DET
ajfti-3193	174	15	unit	unit	NOUN
ajfti-3193	174	16	increase	increase	VERB
ajfti-3193	174	17	in	in	ADP
ajfti-3193	174	18	liquidity	liquidity	NOUN
ajfti-3193	174	19	risk	risk	NOUN
ajfti-3193	174	20	,	,	PUNCT
ajfti-3193	174	21	the	the	DET
ajfti-3193	174	22	financial	financial	ADJ
ajfti-3193	174	23	decision	decision	NOUN
ajfti-3193	174	24	increases	increase	NOUN
ajfti-3193	174	25	by	by	ADP
ajfti-3193	174	26	1.037	1.037	NUM
ajfti-3193	174	27	units	unit	NOUN
ajfti-3193	174	28	.	.	PUNCT
ajfti-3193	175	1	the	the	DET
ajfti-3193	175	2	standardized	standardized	ADJ
ajfti-3193	175	3	coefficient	coefficient	NOUN
ajfti-3193	175	4	(	(	PUNCT
ajfti-3193	175	5	beta	beta	NOUN
ajfti-3193	175	6	)	)	PUNCT
ajfti-3193	175	7	was	be	AUX
ajfti-3193	175	8	0.970	0.970	NUM
ajfti-3193	175	9	,	,	PUNCT
ajfti-3193	175	10	showing	show	VERB
ajfti-3193	175	11	a	a	DET
ajfti-3193	175	12	strong	strong	ADJ
ajfti-3193	175	13	positive	positive	ADJ
ajfti-3193	175	14	relationship	relationship	NOUN
ajfti-3193	175	15	between	between	ADP
ajfti-3193	175	16	liquidity	liquidity	NOUN
ajfti-3193	175	17	risk	risk	NOUN
ajfti-3193	175	18	and	and	CCONJ
ajfti-3193	175	19	financial	financial	ADJ
ajfti-3193	175	20	decisions	decision	NOUN
ajfti-3193	175	21	.	.	PUNCT
ajfti-3193	176	1	this	this	DET
ajfti-3193	176	2	relationship	relationship	NOUN
ajfti-3193	176	3	table	table	NOUN
ajfti-3193	176	4	6	6	NUM
ajfti-3193	176	5	:	:	PUNCT
ajfti-3193	176	6	impact	impact	NOUN
ajfti-3193	176	7	of	of	ADP
ajfti-3193	176	8	operational	operational	ADJ
ajfti-3193	176	9	risk	risk	NOUN
ajfti-3193	176	10	on	on	ADP
ajfti-3193	176	11	financing	financing	NOUN
ajfti-3193	176	12	decisions	decision	NOUN
ajfti-3193	176	13	coefficients	coefficient	VERB
ajfti-3193	176	14	model	model	NOUN
ajfti-3193	176	15	unstandardized	unstandardized	ADJ
ajfti-3193	176	16	coefficients	coefficient	NOUN
ajfti-3193	176	17	standardized	standardize	VERB
ajfti-3193	176	18	coefficients	coefficient	NOUN
ajfti-3193	176	19	t	t	PROPN
ajfti-3193	176	20	sig	sig	PROPN
ajfti-3193	176	21	.	.	PUNCT
ajfti-3193	177	1	b	b	X
ajfti-3193	177	2	std	std	PROPN
ajfti-3193	177	3	.	.	NOUN
ajfti-3193	177	4	error	error	NOUN
ajfti-3193	177	5	beta	beta	NOUN
ajfti-3193	177	6	1	1	NUM
ajfti-3193	177	7	(	(	PUNCT
ajfti-3193	177	8	constant	constant	ADJ
ajfti-3193	177	9	)	)	PUNCT
ajfti-3193	177	10	.853	.853	NUM
ajfti-3193	177	11	.107	.107	NUM
ajfti-3193	177	12	7.973	7.973	NUM
ajfti-3193	177	13	.000	.000	NUM
ajfti-3193	177	14	operational	operational	ADJ
ajfti-3193	177	15	risk	risk	NOUN
ajfti-3193	177	16	.836	.836	NUM
ajfti-3193	177	17	.026	.026	NUM
ajfti-3193	177	18	.977	.977	NUM
ajfti-3193	177	19	31.839	31.839	NUM
ajfti-3193	177	20	.000	.000	NUM
ajfti-3193	177	21	a.	a.	NOUN
ajfti-3193	177	22	dependent	dependent	ADJ
ajfti-3193	177	23	variable	variable	NOUN
ajfti-3193	177	24	:	:	PUNCT
ajfti-3193	177	25	financing	finance	VERB
ajfti-3193	177	26	decision	decision	NOUN
ajfti-3193	177	27	table	table	NOUN
ajfti-3193	177	28	7	7	NUM
ajfti-3193	177	29	:	:	PUNCT
ajfti-3193	177	30	correlation	correlation	NOUN
ajfti-3193	177	31	between	between	ADP
ajfti-3193	177	32	credit	credit	NOUN
ajfti-3193	177	33	risk	risk	NOUN
ajfti-3193	177	34	,	,	PUNCT
ajfti-3193	177	35	liquidity	liquidity	NOUN
ajfti-3193	177	36	risk	risk	NOUN
ajfti-3193	177	37	and	and	CCONJ
ajfti-3193	177	38	operational	operational	ADJ
ajfti-3193	177	39	risk	risk	NOUN
ajfti-3193	177	40	correlations	correlation	NOUN
ajfti-3193	177	41	credit_risk	credit_risk	NOUN
ajfti-3193	177	42	liquidity_risk	liquidity_risk	NOUN
ajfti-3193	177	43	operational_risk	operational_risk	NOUN
ajfti-3193	177	44	credit_risk	credit_risk	NOUN
ajfti-3193	177	45	pearson	pearson	NOUN
ajfti-3193	177	46	correlation	correlation	NOUN
ajfti-3193	177	47	1	1	NUM
ajfti-3193	177	48	.960	.960	NUM
ajfti-3193	177	49	*	*	PUNCT
ajfti-3193	177	50	*	*	PUNCT
ajfti-3193	177	51	.963	.963	PUNCT
ajfti-3193	177	52	*	*	PUNCT
ajfti-3193	177	53	*	*	X
ajfti-3193	177	54	sig	sig	X
ajfti-3193	177	55	.	.	PUNCT
ajfti-3193	178	1	(	(	PUNCT
ajfti-3193	178	2	2	2	NUM
ajfti-3193	178	3	-	-	PUNCT
ajfti-3193	178	4	tailed	tailed	ADJ
ajfti-3193	178	5	)	)	PUNCT
ajfti-3193	179	1	.000	.000	NUM
ajfti-3193	179	2	.000	.000	NUM
ajfti-3193	179	3	n	n	DET
ajfti-3193	179	4	50	50	NUM
ajfti-3193	179	5	50	50	NUM
ajfti-3193	179	6	50	50	NUM
ajfti-3193	179	7	liquidity_risk	liquidity_risk	NOUN
ajfti-3193	179	8	pearson	pearson	NOUN
ajfti-3193	179	9	correlation	correlation	NOUN
ajfti-3193	179	10	.960	.960	NUM
ajfti-3193	179	11	*	*	PUNCT
ajfti-3193	179	12	*	*	PUNCT
ajfti-3193	179	13	1	1	NUM
ajfti-3193	179	14	.973	.973	NUM
ajfti-3193	179	15	*	*	PUNCT
ajfti-3193	179	16	*	*	PUNCT
ajfti-3193	179	17	sig	sig	X
ajfti-3193	179	18	.	.	PUNCT
ajfti-3193	179	19	(	(	PUNCT
ajfti-3193	179	20	2	2	NUM
ajfti-3193	179	21	-	-	PUNCT
ajfti-3193	179	22	tailed	tailed	ADJ
ajfti-3193	179	23	)	)	PUNCT
ajfti-3193	179	24	.000	.000	NUM
ajfti-3193	179	25	.000	.000	NUM
ajfti-3193	179	26	n	n	PRON
ajfti-3193	179	27	50	50	NUM
ajfti-3193	179	28	50	50	NUM
ajfti-3193	179	29	50	50	NUM
ajfti-3193	179	30	operational_risk	operational_risk	NOUN
ajfti-3193	179	31	pearson	pearson	NOUN
ajfti-3193	179	32	correlation	correlation	NOUN
ajfti-3193	179	33	.963	.963	NUM
ajfti-3193	179	34	*	*	PUNCT
ajfti-3193	179	35	*	*	NOUN
ajfti-3193	179	36	.973	.973	NUM
ajfti-3193	179	37	*	*	PUNCT
ajfti-3193	179	38	*	*	PROPN
ajfti-3193	179	39	1	1	NUM
ajfti-3193	179	40	sig	sig	NOUN
ajfti-3193	179	41	.	.	PUNCT
ajfti-3193	180	1	(	(	PUNCT
ajfti-3193	180	2	2	2	NUM
ajfti-3193	180	3	-	-	PUNCT
ajfti-3193	180	4	tailed	tailed	ADJ
ajfti-3193	180	5	)	)	PUNCT
ajfti-3193	181	1	.000	.000	NUM
ajfti-3193	181	2	.000	.000	NUM
ajfti-3193	181	3	n	n	PRON
ajfti-3193	181	4	50	50	NUM
ajfti-3193	181	5	50	50	NUM
ajfti-3193	181	6	50	50	NUM
ajfti-3193	181	7	*	*	PUNCT
ajfti-3193	181	8	*	*	NOUN
ajfti-3193	181	9	.	.	PUNCT
ajfti-3193	182	1	correlation	correlation	NOUN
ajfti-3193	182	2	is	be	AUX
ajfti-3193	182	3	significant	significant	ADJ
ajfti-3193	182	4	at	at	ADP
ajfti-3193	182	5	the	the	DET
ajfti-3193	182	6	0.01	0.01	NUM
ajfti-3193	182	7	level	level	NOUN
ajfti-3193	182	8	(	(	PUNCT
ajfti-3193	182	9	2	2	NUM
ajfti-3193	182	10	-	-	PUNCT
ajfti-3193	182	11	tailed	tail	VERB
ajfti-3193	182	12	)	)	PUNCT
ajfti-3193	182	13	.	.	PUNCT
ajfti-3193	183	1	the	the	DET
ajfti-3193	183	2	above	above	ADP
ajfti-3193	183	3	table-6	table-6	NUM
ajfti-3193	183	4	regression	regression	NOUN
ajfti-3193	183	5	analysis	analysis	NOUN
ajfti-3193	183	6	examines	examine	VERB
ajfti-3193	183	7	the	the	DET
ajfti-3193	183	8	relationship	relationship	NOUN
ajfti-3193	183	9	between	between	ADP
ajfti-3193	183	10	operational	operational	ADJ
ajfti-3193	183	11	risk	risk	NOUN
ajfti-3193	183	12	and	and	CCONJ
ajfti-3193	183	13	financing	financing	NOUN
ajfti-3193	183	14	decisions	decision	NOUN
ajfti-3193	183	15	in	in	ADP
ajfti-3193	183	16	banks	bank	NOUN
ajfti-3193	183	17	.	.	PUNCT
ajfti-3193	184	1	the	the	DET
ajfti-3193	184	2	model	model	NOUN
ajfti-3193	184	3	’s	’s	PART
ajfti-3193	184	4	constant	constant	ADJ
ajfti-3193	184	5	term	term	NOUN
ajfti-3193	184	6	is	be	AUX
ajfti-3193	184	7	0.853	0.853	NUM
ajfti-3193	184	8	,	,	PUNCT
ajfti-3193	184	9	with	with	ADP
ajfti-3193	184	10	a	a	DET
ajfti-3193	184	11	standard	standard	ADJ
ajfti-3193	184	12	error	error	NOUN
ajfti-3193	184	13	of	of	ADP
ajfti-3193	184	14	0.107	0.107	NUM
ajfti-3193	184	15	,	,	PUNCT
ajfti-3193	184	16	and	and	CCONJ
ajfti-3193	184	17	is	be	AUX
ajfti-3193	184	18	statistically	statistically	ADV
ajfti-3193	184	19	significant	significant	ADJ
ajfti-3193	184	20	with	with	ADP
ajfti-3193	184	21	a	a	DET
ajfti-3193	184	22	t	t	NOUN
ajfti-3193	184	23	-	-	PUNCT
ajfti-3193	184	24	value	value	NOUN
ajfti-3193	184	25	of	of	ADP
ajfti-3193	184	26	7.973	7.973	NUM
ajfti-3193	184	27	and	and	CCONJ
ajfti-3193	184	28	a	a	DET
ajfti-3193	184	29	p	p	NOUN
ajfti-3193	184	30	-	-	PUNCT
ajfti-3193	184	31	value	value	NOUN
ajfti-3193	184	32	of	of	ADP
ajfti-3193	184	33	0.000	0.000	NUM
ajfti-3193	184	34	.	.	PUNCT
ajfti-3193	185	1	this	this	DET
ajfti-3193	185	2	positive	positive	ADJ
ajfti-3193	185	3	intercept	intercept	NOUN
ajfti-3193	185	4	suggests	suggest	VERB
ajfti-3193	185	5	that	that	SCONJ
ajfti-3193	185	6	when	when	SCONJ
ajfti-3193	185	7	operational	operational	ADJ
ajfti-3193	185	8	risk	risk	NOUN
ajfti-3193	185	9	was	be	AUX
ajfti-3193	185	10	zero	zero	NUM
ajfti-3193	185	11	,	,	PUNCT
ajfti-3193	185	12	the	the	DET
ajfti-3193	185	13	baseline	baseline	ADJ
ajfti-3193	185	14	level	level	NOUN
ajfti-3193	185	15	of	of	ADP
ajfti-3193	185	16	the	the	DET
ajfti-3193	185	17	financing	financing	NOUN
ajfti-3193	185	18	decision	decision	NOUN
ajfti-3193	185	19	was	be	AUX
ajfti-3193	185	20	0.853	0.853	NUM
ajfti-3193	185	21	.	.	PUNCT
ajfti-3193	186	1	the	the	DET
ajfti-3193	186	2	unstandardized	unstandardized	ADJ
ajfti-3193	186	3	coefficient	coefficient	NOUN
ajfti-3193	186	4	for	for	ADP
ajfti-3193	186	5	operational	operational	ADJ
ajfti-3193	186	6	risk	risk	NOUN
ajfti-3193	186	7	was	be	AUX
ajfti-3193	186	8	0.836	0.836	NUM
ajfti-3193	186	9	,	,	PUNCT
ajfti-3193	186	10	which	which	PRON
ajfti-3193	186	11	indicates	indicate	VERB
ajfti-3193	186	12	that	that	SCONJ
ajfti-3193	186	13	each	each	DET
ajfti-3193	186	14	unit	unit	NOUN
ajfti-3193	186	15	increase	increase	VERB
ajfti-3193	186	16	in	in	ADP
ajfti-3193	186	17	operational	operational	ADJ
ajfti-3193	186	18	risk	risk	NOUN
ajfti-3193	186	19	corresponds	correspond	VERB
ajfti-3193	186	20	to	to	ADP
ajfti-3193	186	21	a	a	DET
ajfti-3193	186	22	0.836	0.836	NUM
ajfti-3193	186	23	-	-	PUNCT
ajfti-3193	186	24	unit	unit	NOUN
ajfti-3193	186	25	rise	rise	NOUN
ajfti-3193	186	26	in	in	ADP
ajfti-3193	186	27	the	the	DET
ajfti-3193	186	28	financing	financing	NOUN
ajfti-3193	186	29	decision	decision	NOUN
ajfti-3193	186	30	.	.	PUNCT
ajfti-3193	187	1	the	the	DET
ajfti-3193	187	2	standardized	standardized	ADJ
ajfti-3193	187	3	coefficient	coefficient	NOUN
ajfti-3193	187	4	(	(	PUNCT
ajfti-3193	187	5	beta	beta	NOUN
ajfti-3193	187	6	)	)	PUNCT
ajfti-3193	187	7	was	be	AUX
ajfti-3193	187	8	0.977	0.977	NUM
ajfti-3193	187	9	,	,	PUNCT
ajfti-3193	187	10	demonstrating	demonstrate	VERB
ajfti-3193	187	11	a	a	DET
ajfti-3193	187	12	strong	strong	ADJ
ajfti-3193	187	13	positive	positive	ADJ
ajfti-3193	187	14	relationship	relationship	NOUN
ajfti-3193	187	15	between	between	ADP
ajfti-3193	187	16	operational	operational	ADJ
ajfti-3193	187	17	risk	risk	NOUN
ajfti-3193	187	18	and	and	CCONJ
ajfti-3193	187	19	financing	financing	NOUN
ajfti-3193	187	20	decisions	decision	NOUN
ajfti-3193	187	21	.	.	PUNCT
ajfti-3193	188	1	this	this	DET
ajfti-3193	188	2	relationship	relationship	NOUN
ajfti-3193	188	3	was	be	AUX
ajfti-3193	188	4	highly	highly	ADV
ajfti-3193	188	5	statistically	statistically	ADV
ajfti-3193	188	6	significant	significant	ADJ
ajfti-3193	188	7	,	,	PUNCT
ajfti-3193	188	8	as	as	SCONJ
ajfti-3193	188	9	shown	show	VERB
ajfti-3193	188	10	by	by	ADP
ajfti-3193	188	11	the	the	DET
ajfti-3193	188	12	t	t	NOUN
ajfti-3193	188	13	-	-	PUNCT
ajfti-3193	188	14	value	value	NOUN
ajfti-3193	188	15	of	of	ADP
ajfti-3193	188	16	31.839	31.839	NUM
ajfti-3193	188	17	and	and	CCONJ
ajfti-3193	188	18	a	a	DET
ajfti-3193	188	19	p	p	NOUN
ajfti-3193	188	20	-	-	PUNCT
ajfti-3193	188	21	value	value	NOUN
ajfti-3193	188	22	of	of	ADP
ajfti-3193	188	23	0.000	0.000	NUM
ajfti-3193	188	24	,	,	PUNCT
ajfti-3193	188	25	implying	imply	VERB
ajfti-3193	188	26	that	that	SCONJ
ajfti-3193	188	27	the	the	DET
ajfti-3193	188	28	probability	probability	NOUN
ajfti-3193	188	29	of	of	ADP
ajfti-3193	188	30	this	this	DET
ajfti-3193	188	31	result	result	NOUN
ajfti-3193	188	32	occurring	occur	VERB
ajfti-3193	188	33	by	by	ADP
ajfti-3193	188	34	chance	chance	NOUN
ajfti-3193	188	35	is	be	AUX
ajfti-3193	188	36	virtually	virtually	ADV
ajfti-3193	188	37	zero	zero	NUM
ajfti-3193	188	38	.	.	PUNCT
ajfti-3193	189	1	overall	overall	ADV
ajfti-3193	189	2	,	,	PUNCT
ajfti-3193	189	3	the	the	DET
ajfti-3193	189	4	results	result	NOUN
ajfti-3193	189	5	reveal	reveal	VERB
ajfti-3193	189	6	a	a	DET
ajfti-3193	189	7	significant	significant	ADJ
ajfti-3193	189	8	and	and	CCONJ
ajfti-3193	189	9	robust	robust	ADJ
ajfti-3193	189	10	positive	positive	ADJ
ajfti-3193	189	11	correlation	correlation	NOUN
ajfti-3193	189	12	between	between	ADP
ajfti-3193	189	13	operational	operational	ADJ
ajfti-3193	189	14	risk	risk	NOUN
ajfti-3193	189	15	and	and	CCONJ
ajfti-3193	189	16	financing	financing	NOUN
ajfti-3193	189	17	decisions	decision	NOUN
ajfti-3193	189	18	.	.	PUNCT
ajfti-3193	190	1	as	as	ADP
ajfti-3193	190	2	operational	operational	ADJ
ajfti-3193	190	3	risk	risk	NOUN
ajfti-3193	190	4	increases	increase	NOUN
ajfti-3193	190	5	,	,	PUNCT
ajfti-3193	190	6	banks	bank	NOUN
ajfti-3193	190	7	tend	tend	VERB
ajfti-3193	190	8	to	to	PART
ajfti-3193	190	9	make	make	VERB
ajfti-3193	190	10	more	more	ADV
ajfti-3193	190	11	aggressive	aggressive	ADJ
ajfti-3193	190	12	or	or	CCONJ
ajfti-3193	190	13	substantial	substantial	ADJ
ajfti-3193	190	14	financing	financing	NOUN
ajfti-3193	190	15	decisions	decision	NOUN
ajfti-3193	190	16	,	,	PUNCT
ajfti-3193	190	17	highlighting	highlight	VERB
ajfti-3193	190	18	operational	operational	ADJ
ajfti-3193	190	19	risk	risk	NOUN
ajfti-3193	190	20	’s	’s	PART
ajfti-3193	190	21	strong	strong	ADJ
ajfti-3193	190	22	influence	influence	NOUN
ajfti-3193	190	23	on	on	ADP
ajfti-3193	190	24	their	their	PRON
ajfti-3193	190	25	financial	financial	ADJ
ajfti-3193	190	26	strategies	strategy	NOUN
ajfti-3193	190	27	.	.	PUNCT
ajfti-3193	191	1	in	in	ADP
ajfti-3193	191	2	table	table	NOUN
ajfti-3193	191	3	7	7	NUM
ajfti-3193	191	4	,	,	PUNCT
ajfti-3193	191	5	the	the	DET
ajfti-3193	191	6	correlation	correlation	NOUN
ajfti-3193	191	7	analysis	analysis	NOUN
ajfti-3193	191	8	reveals	reveal	VERB
ajfti-3193	191	9	strong	strong	ADJ
ajfti-3193	191	10	and	and	CCONJ
ajfti-3193	191	11	statistically	statistically	ADV
ajfti-3193	191	12	significant	significant	ADJ
ajfti-3193	191	13	positive	positive	ADJ
ajfti-3193	191	14	relationships	relationship	NOUN
ajfti-3193	191	15	among	among	ADP
ajfti-3193	191	16	banks	bank	NOUN
ajfti-3193	191	17	’	'	PUNCT
ajfti-3193	191	18	credit	credit	NOUN
ajfti-3193	191	19	risk	risk	NOUN
ajfti-3193	191	20	,	,	PUNCT
ajfti-3193	191	21	liquidity	liquidity	NOUN
ajfti-3193	191	22	risk	risk	NOUN
ajfti-3193	191	23	,	,	PUNCT
ajfti-3193	191	24	and	and	CCONJ
ajfti-3193	191	25	operational	operational	ADJ
ajfti-3193	191	26	risk	risk	NOUN
ajfti-3193	191	27	.	.	PUNCT
ajfti-3193	192	1	the	the	DET
ajfti-3193	192	2	pearson	pearson	PROPN
ajfti-3193	192	3	correlation	correlation	NOUN
ajfti-3193	192	4	coefficient	coefficient	NOUN
ajfti-3193	192	5	between	between	ADP
ajfti-3193	192	6	credit	credit	NOUN
ajfti-3193	192	7	risk	risk	NOUN
ajfti-3193	192	8	and	and	CCONJ
ajfti-3193	192	9	liquidity	liquidity	NOUN
ajfti-3193	192	10	risk	risk	NOUN
ajfti-3193	192	11	was	be	AUX
ajfti-3193	192	12	0.960	0.960	NUM
ajfti-3193	192	13	,	,	PUNCT
ajfti-3193	192	14	which	which	PRON
ajfti-3193	192	15	indicates	indicate	VERB
ajfti-3193	192	16	a	a	DET
ajfti-3193	192	17	very	very	ADV
ajfti-3193	192	18	strong	strong	ADJ
ajfti-3193	192	19	positive	positive	ADJ
ajfti-3193	192	20	correlation	correlation	NOUN
ajfti-3193	192	21	,	,	PUNCT
ajfti-3193	192	22	with	with	ADP
ajfti-3193	192	23	a	a	DET
ajfti-3193	192	24	p	p	NOUN
ajfti-3193	192	25	-	-	PUNCT
ajfti-3193	192	26	value	value	NOUN
ajfti-3193	192	27	of	of	ADP
ajfti-3193	192	28	0.000	0.000	NUM
ajfti-3193	192	29	,	,	PUNCT
ajfti-3193	192	30	confirming	confirm	VERB
ajfti-3193	192	31	its	its	PRON
ajfti-3193	192	32	significance	significance	NOUN
ajfti-3193	192	33	.	.	PUNCT
ajfti-3193	193	1	similarly	similarly	ADV
ajfti-3193	193	2	,	,	PUNCT
ajfti-3193	193	3	the	the	DET
ajfti-3193	193	4	correlation	correlation	NOUN
ajfti-3193	193	5	between	between	ADP
ajfti-3193	193	6	credit	credit	NOUN
ajfti-3193	193	7	and	and	CCONJ
ajfti-3193	193	8	operational	operational	ADJ
ajfti-3193	193	9	risks	risk	NOUN
ajfti-3193	193	10	was	be	AUX
ajfti-3193	193	11	0.963	0.963	NUM
ajfti-3193	193	12	,	,	PUNCT
ajfti-3193	193	13	which	which	PRON
ajfti-3193	193	14	is	be	AUX
ajfti-3193	193	15	also	also	ADV
ajfti-3193	193	16	highly	highly	ADV
ajfti-3193	193	17	significant	significant	ADJ
ajfti-3193	193	18	with	with	ADP
ajfti-3193	193	19	a	a	DET
ajfti-3193	193	20	p	p	NOUN
ajfti-3193	193	21	-	-	PUNCT
ajfti-3193	193	22	value	value	NOUN
ajfti-3193	193	23	of	of	ADP
ajfti-3193	193	24	0.000	0.000	NUM
ajfti-3193	193	25	.	.	PUNCT
ajfti-3193	194	1	the	the	DET
ajfti-3193	194	2	strongest	strong	ADJ
ajfti-3193	194	3	correlation	correlation	NOUN
ajfti-3193	194	4	was	be	AUX
ajfti-3193	194	5	between	between	ADP
ajfti-3193	194	6	liquidity	liquidity	NOUN
ajfti-3193	194	7	risk	risk	NOUN
ajfti-3193	194	8	and	and	CCONJ
ajfti-3193	194	9	operational	operational	ADJ
ajfti-3193	194	10	risk	risk	NOUN
ajfti-3193	194	11	,	,	PUNCT
ajfti-3193	194	12	with	with	ADP
ajfti-3193	194	13	a	a	DET
ajfti-3193	194	14	pearson	pearson	NOUN
ajfti-3193	194	15	coefficient	coefficient	NOUN
ajfti-3193	194	16	of	of	ADP
ajfti-3193	194	17	0.973	0.973	NUM
ajfti-3193	194	18	and	and	CCONJ
ajfti-3193	194	19	a	a	DET
ajfti-3193	194	20	p	p	NOUN
ajfti-3193	194	21	-	-	PUNCT
ajfti-3193	194	22	value	value	NOUN
ajfti-3193	194	23	of	of	ADP
ajfti-3193	194	24	0.000	0.000	NUM
ajfti-3193	194	25	.	.	PUNCT
ajfti-3193	195	1	these	these	DET
ajfti-3193	195	2	findings	finding	NOUN
ajfti-3193	195	3	suggest	suggest	VERB
ajfti-3193	195	4	that	that	SCONJ
ajfti-3193	195	5	as	as	ADP
ajfti-3193	195	6	one	one	NUM
ajfti-3193	195	7	type	type	NOUN
ajfti-3193	195	8	of	of	ADP
ajfti-3193	195	9	risk	risk	NOUN
ajfti-3193	195	10	increases	increase	NOUN
ajfti-3193	195	11	,	,	PUNCT
ajfti-3193	195	12	the	the	DET
ajfti-3193	195	13	other	other	ADJ
ajfti-3193	195	14	risks	risk	NOUN
ajfti-3193	195	15	also	also	ADV
ajfti-3193	195	16	tend	tend	VERB
ajfti-3193	195	17	to	to	PART
ajfti-3193	195	18	increase	increase	VERB
ajfti-3193	195	19	,	,	PUNCT
ajfti-3193	195	20	demonstrating	demonstrate	VERB
ajfti-3193	195	21	the	the	DET
ajfti-3193	195	22	interconnected	interconnected	ADJ
ajfti-3193	195	23	nature	nature	NOUN
ajfti-3193	195	24	of	of	ADP
ajfti-3193	195	25	these	these	DET
ajfti-3193	195	26	financial	financial	ADJ
ajfti-3193	195	27	risks	risk	NOUN
ajfti-3193	195	28	in	in	ADP
ajfti-3193	195	29	the	the	DET
ajfti-3193	195	30	banking	banking	NOUN
ajfti-3193	195	31	sector	sector	NOUN
ajfti-3193	195	32	.	.	PUNCT
ajfti-3193	196	1	this	this	PRON
ajfti-3193	196	2	implies	imply	VERB
ajfti-3193	196	3	that	that	SCONJ
ajfti-3193	196	4	banks	bank	NOUN
ajfti-3193	196	5	experiencing	experience	VERB
ajfti-3193	196	6	high	high	ADJ
ajfti-3193	196	7	levels	level	NOUN
ajfti-3193	196	8	of	of	ADP
ajfti-3193	196	9	one	one	NUM
ajfti-3193	196	10	risk	risk	NOUN
ajfti-3193	196	11	are	be	AUX
ajfti-3193	196	12	likely	likely	ADV
ajfti-3193	196	13	dealing	deal	VERB
ajfti-3193	196	14	with	with	ADP
ajfti-3193	196	15	elevated	elevated	ADJ
ajfti-3193	196	16	levels	level	NOUN
ajfti-3193	196	17	of	of	ADP
ajfti-3193	196	18	the	the	DET
ajfti-3193	196	19	other	other	ADJ
ajfti-3193	196	20	risks	risk	NOUN
ajfti-3193	196	21	,	,	PUNCT
ajfti-3193	196	22	highlighting	highlight	VERB
ajfti-3193	196	23	the	the	DET
ajfti-3193	196	24	need	need	NOUN
ajfti-3193	196	25	for	for	ADP
ajfti-3193	196	26	comprehensive	comprehensive	ADJ
ajfti-3193	196	27	risk	risk	NOUN
ajfti-3193	196	28	management	management	NOUN
ajfti-3193	196	29	strategies	strategy	NOUN
ajfti-3193	196	30	.	.	PUNCT
ajfti-3193	197	1	pa	pa	PROPN
ajfti-3193	197	2	ge	ge	PROPN
ajfti-3193	197	3	40	40	NUM
ajfti-3193	197	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	197	5	am	be	AUX
ajfti-3193	197	6	.	.	PUNCT
ajfti-3193	198	1	j.	j.	PROPN
ajfti-3193	198	2	financ	financ	PROPN
ajfti-3193	198	3	.	.	PUNCT
ajfti-3193	199	1	technol	technol	PROPN
ajfti-3193	199	2	.	.	PUNCT
ajfti-3193	199	3	innov	innov	PROPN
ajfti-3193	199	4	.	.	PUNCT
ajfti-3193	200	1	2(1	2(1	NUM
ajfti-3193	200	2	)	)	PUNCT
ajfti-3193	200	3	33	33	NUM
ajfti-3193	200	4	-	-	SYM
ajfti-3193	200	5	43	43	NUM
ajfti-3193	200	6	,	,	PUNCT
ajfti-3193	200	7	2024	2024	NUM
ajfti-3193	200	8	in	in	ADP
ajfti-3193	200	9	table	table	NOUN
ajfti-3193	200	10	-8	-8	NOUN
ajfti-3193	200	11	,	,	PUNCT
ajfti-3193	200	12	the	the	DET
ajfti-3193	200	13	regression	regression	NOUN
ajfti-3193	200	14	analysis	analysis	NOUN
ajfti-3193	200	15	examines	examine	VERB
ajfti-3193	200	16	the	the	DET
ajfti-3193	200	17	impact	impact	NOUN
ajfti-3193	200	18	of	of	ADP
ajfti-3193	200	19	financial	financial	ADJ
ajfti-3193	200	20	risk	risk	NOUN
ajfti-3193	200	21	on	on	ADP
ajfti-3193	200	22	banks	bank	NOUN
ajfti-3193	200	23	’	’	PART
ajfti-3193	200	24	financing	financing	NOUN
ajfti-3193	200	25	decisions	decision	NOUN
ajfti-3193	200	26	.	.	PUNCT
ajfti-3193	201	1	the	the	DET
ajfti-3193	201	2	constant	constant	ADJ
ajfti-3193	201	3	term	term	NOUN
ajfti-3193	201	4	was	be	AUX
ajfti-3193	201	5	0.986	0.986	NUM
ajfti-3193	201	6	,	,	PUNCT
ajfti-3193	201	7	with	with	ADP
ajfti-3193	201	8	a	a	DET
ajfti-3193	201	9	standard	standard	ADJ
ajfti-3193	201	10	error	error	NOUN
ajfti-3193	201	11	of	of	ADP
ajfti-3193	201	12	0.098	0.098	NUM
ajfti-3193	201	13	,	,	PUNCT
ajfti-3193	201	14	and	and	CCONJ
ajfti-3193	201	15	was	be	AUX
ajfti-3193	201	16	statistically	statistically	ADV
ajfti-3193	201	17	significant	significant	ADJ
ajfti-3193	201	18	with	with	ADP
ajfti-3193	201	19	a	a	DET
ajfti-3193	201	20	t	t	NOUN
ajfti-3193	201	21	-	-	PUNCT
ajfti-3193	201	22	value	value	NOUN
ajfti-3193	201	23	of	of	ADP
ajfti-3193	201	24	10.049	10.049	NUM
ajfti-3193	201	25	and	and	CCONJ
ajfti-3193	201	26	a	a	DET
ajfti-3193	201	27	p	p	NOUN
ajfti-3193	201	28	-	-	PUNCT
ajfti-3193	201	29	value	value	NOUN
ajfti-3193	201	30	of	of	ADP
ajfti-3193	201	31	0.000	0.000	NUM
ajfti-3193	201	32	.	.	PUNCT
ajfti-3193	202	1	this	this	PRON
ajfti-3193	202	2	indicates	indicate	VERB
ajfti-3193	202	3	that	that	SCONJ
ajfti-3193	202	4	when	when	SCONJ
ajfti-3193	202	5	financial	financial	ADJ
ajfti-3193	202	6	risk	risk	NOUN
ajfti-3193	202	7	was	be	AUX
ajfti-3193	202	8	zero	zero	NUM
ajfti-3193	202	9	,	,	PUNCT
ajfti-3193	202	10	the	the	DET
ajfti-3193	202	11	baseline	baseline	ADJ
ajfti-3193	202	12	level	level	NOUN
ajfti-3193	202	13	of	of	ADP
ajfti-3193	202	14	the	the	DET
ajfti-3193	202	15	financing	financing	NOUN
ajfti-3193	202	16	decision	decision	NOUN
ajfti-3193	202	17	was	be	AUX
ajfti-3193	202	18	0.986	0.986	NUM
ajfti-3193	202	19	.	.	PUNCT
ajfti-3193	203	1	the	the	DET
ajfti-3193	203	2	unstandardized	unstandardized	ADJ
ajfti-3193	203	3	coefficient	coefficient	NOUN
ajfti-3193	203	4	for	for	ADP
ajfti-3193	203	5	financial	financial	ADJ
ajfti-3193	203	6	risk	risk	NOUN
ajfti-3193	203	7	was	be	AUX
ajfti-3193	203	8	0.868	0.868	NUM
ajfti-3193	203	9	,	,	PUNCT
ajfti-3193	203	10	which	which	PRON
ajfti-3193	203	11	suggests	suggest	VERB
ajfti-3193	203	12	that	that	SCONJ
ajfti-3193	203	13	for	for	SCONJ
ajfti-3193	203	14	each	each	DET
ajfti-3193	203	15	unit	unit	NOUN
ajfti-3193	203	16	increase	increase	VERB
ajfti-3193	203	17	in	in	ADP
ajfti-3193	203	18	financial	financial	ADJ
ajfti-3193	203	19	risk	risk	NOUN
ajfti-3193	203	20	,	,	PUNCT
ajfti-3193	203	21	the	the	DET
ajfti-3193	203	22	financing	financing	NOUN
ajfti-3193	203	23	decision	decision	NOUN
ajfti-3193	203	24	increases	increase	NOUN
ajfti-3193	203	25	by	by	ADP
ajfti-3193	203	26	0.868	0.868	NUM
ajfti-3193	203	27	units	unit	NOUN
ajfti-3193	203	28	.	.	PUNCT
ajfti-3193	204	1	the	the	DET
ajfti-3193	204	2	standardized	standardized	ADJ
ajfti-3193	204	3	coefficient	coefficient	NOUN
ajfti-3193	204	4	(	(	PUNCT
ajfti-3193	204	5	beta	beta	NOUN
ajfti-3193	204	6	)	)	PUNCT
ajfti-3193	204	7	was	be	AUX
ajfti-3193	204	8	0.979	0.979	NUM
ajfti-3193	204	9	,	,	PUNCT
ajfti-3193	204	10	demonstrating	demonstrate	VERB
ajfti-3193	204	11	a	a	DET
ajfti-3193	204	12	strong	strong	ADJ
ajfti-3193	204	13	positive	positive	ADJ
ajfti-3193	204	14	relationship	relationship	NOUN
ajfti-3193	204	15	between	between	ADP
ajfti-3193	204	16	financial	financial	ADJ
ajfti-3193	204	17	risk	risk	NOUN
ajfti-3193	204	18	and	and	CCONJ
ajfti-3193	204	19	financing	financing	NOUN
ajfti-3193	204	20	decisions	decision	NOUN
ajfti-3193	204	21	.	.	PUNCT
ajfti-3193	205	1	this	this	DET
ajfti-3193	205	2	relationship	relationship	NOUN
ajfti-3193	205	3	was	be	AUX
ajfti-3193	205	4	highly	highly	ADV
ajfti-3193	205	5	statistically	statistically	ADV
ajfti-3193	205	6	significant	significant	ADJ
ajfti-3193	205	7	,	,	PUNCT
ajfti-3193	205	8	as	as	SCONJ
ajfti-3193	205	9	evidenced	evidence	VERB
ajfti-3193	205	10	by	by	ADP
ajfti-3193	205	11	the	the	DET
ajfti-3193	205	12	t	t	NOUN
ajfti-3193	205	13	-	-	PUNCT
ajfti-3193	205	14	value	value	NOUN
ajfti-3193	205	15	of	of	ADP
ajfti-3193	205	16	33.339	33.339	NUM
ajfti-3193	205	17	and	and	CCONJ
ajfti-3193	205	18	a	a	DET
ajfti-3193	205	19	p	p	NOUN
ajfti-3193	205	20	-	-	PUNCT
ajfti-3193	205	21	value	value	NOUN
ajfti-3193	205	22	of	of	ADP
ajfti-3193	205	23	0.000	0.000	NUM
ajfti-3193	205	24	,	,	PUNCT
ajfti-3193	205	25	implying	imply	VERB
ajfti-3193	205	26	that	that	SCONJ
ajfti-3193	205	27	the	the	DET
ajfti-3193	205	28	likelihood	likelihood	NOUN
ajfti-3193	205	29	of	of	ADP
ajfti-3193	205	30	this	this	DET
ajfti-3193	205	31	result	result	NOUN
ajfti-3193	205	32	occurring	occur	VERB
ajfti-3193	205	33	by	by	ADP
ajfti-3193	205	34	chance	chance	NOUN
ajfti-3193	205	35	is	be	AUX
ajfti-3193	205	36	virtually	virtually	ADV
ajfti-3193	205	37	nonexistent	nonexistent	ADJ
ajfti-3193	205	38	.	.	PUNCT
ajfti-3193	206	1	the	the	DET
ajfti-3193	206	2	results	result	NOUN
ajfti-3193	206	3	indicate	indicate	VERB
ajfti-3193	206	4	a	a	DET
ajfti-3193	206	5	significant	significant	ADJ
ajfti-3193	206	6	and	and	CCONJ
ajfti-3193	206	7	robust	robust	ADJ
ajfti-3193	206	8	positive	positive	ADJ
ajfti-3193	206	9	correlation	correlation	NOUN
ajfti-3193	206	10	between	between	ADP
ajfti-3193	206	11	financial	financial	ADJ
ajfti-3193	206	12	risk	risk	NOUN
ajfti-3193	206	13	and	and	CCONJ
ajfti-3193	206	14	financing	financing	NOUN
ajfti-3193	206	15	decisions	decision	NOUN
ajfti-3193	206	16	.	.	PUNCT
ajfti-3193	207	1	as	as	ADP
ajfti-3193	207	2	financial	financial	ADJ
ajfti-3193	207	3	risk	risk	NOUN
ajfti-3193	207	4	increases	increase	NOUN
ajfti-3193	207	5	,	,	PUNCT
ajfti-3193	207	6	banks	bank	NOUN
ajfti-3193	207	7	tend	tend	VERB
ajfti-3193	207	8	to	to	PART
ajfti-3193	207	9	make	make	VERB
ajfti-3193	207	10	more	more	ADV
ajfti-3193	207	11	aggressive	aggressive	ADJ
ajfti-3193	207	12	or	or	CCONJ
ajfti-3193	207	13	substantial	substantial	ADJ
ajfti-3193	207	14	financing	financing	NOUN
ajfti-3193	207	15	decisions	decision	NOUN
ajfti-3193	207	16	,	,	PUNCT
ajfti-3193	207	17	highlighting	highlight	VERB
ajfti-3193	207	18	the	the	DET
ajfti-3193	207	19	strong	strong	ADJ
ajfti-3193	207	20	influence	influence	NOUN
ajfti-3193	207	21	of	of	ADP
ajfti-3193	207	22	financial	financial	ADJ
ajfti-3193	207	23	risk	risk	NOUN
ajfti-3193	207	24	on	on	ADP
ajfti-3193	207	25	their	their	PRON
ajfti-3193	207	26	financial	financial	ADJ
ajfti-3193	207	27	strategies	strategy	NOUN
ajfti-3193	207	28	.	.	PUNCT
ajfti-3193	208	1	discussion	discussion	NOUN
ajfti-3193	208	2	the	the	DET
ajfti-3193	208	3	study	study	NOUN
ajfti-3193	208	4	aimed	aim	VERB
ajfti-3193	208	5	to	to	PART
ajfti-3193	208	6	assess	assess	VERB
ajfti-3193	208	7	the	the	DET
ajfti-3193	208	8	effects	effect	NOUN
ajfti-3193	208	9	of	of	ADP
ajfti-3193	208	10	different	different	ADJ
ajfti-3193	208	11	types	type	NOUN
ajfti-3193	208	12	of	of	ADP
ajfti-3193	208	13	financial	financial	ADJ
ajfti-3193	208	14	risks	risk	NOUN
ajfti-3193	208	15	on	on	ADP
ajfti-3193	208	16	the	the	DET
ajfti-3193	208	17	financing	financing	NOUN
ajfti-3193	208	18	decisions	decision	NOUN
ajfti-3193	208	19	of	of	ADP
ajfti-3193	208	20	saudi	saudi	ADJ
ajfti-3193	208	21	commercial	commercial	ADJ
ajfti-3193	208	22	banks	bank	NOUN
ajfti-3193	208	23	,	,	PUNCT
ajfti-3193	208	24	especially	especially	ADV
ajfti-3193	208	25	those	those	PRON
ajfti-3193	208	26	in	in	ADP
ajfti-3193	208	27	arar	arar	PROPN
ajfti-3193	208	28	city	city	PROPN
ajfti-3193	208	29	.	.	PUNCT
ajfti-3193	209	1	the	the	DET
ajfti-3193	209	2	developed	develop	VERB
ajfti-3193	209	3	hypotheses	hypothesis	NOUN
ajfti-3193	209	4	stated	state	VERB
ajfti-3193	209	5	that	that	SCONJ
ajfti-3193	209	6	credit	credit	NOUN
ajfti-3193	209	7	risk	risk	NOUN
ajfti-3193	209	8	,	,	PUNCT
ajfti-3193	209	9	liquidity	liquidity	NOUN
ajfti-3193	209	10	risk	risk	NOUN
ajfti-3193	209	11	,	,	PUNCT
ajfti-3193	209	12	operational	operational	ADJ
ajfti-3193	209	13	risk	risk	NOUN
ajfti-3193	209	14	,	,	PUNCT
ajfti-3193	209	15	and	and	CCONJ
ajfti-3193	209	16	total	total	ADJ
ajfti-3193	209	17	financial	financial	ADJ
ajfti-3193	209	18	risk	risk	NOUN
ajfti-3193	209	19	positively	positively	ADV
ajfti-3193	209	20	correlate	correlate	VERB
ajfti-3193	209	21	with	with	ADP
ajfti-3193	209	22	financing	financing	NOUN
ajfti-3193	209	23	decisions	decision	NOUN
ajfti-3193	209	24	.	.	PUNCT
ajfti-3193	210	1	based	base	VERB
ajfti-3193	210	2	on	on	ADP
ajfti-3193	210	3	survey	survey	NOUN
ajfti-3193	210	4	data	datum	NOUN
ajfti-3193	210	5	from	from	ADP
ajfti-3193	210	6	50	50	NUM
ajfti-3193	210	7	participants	participant	NOUN
ajfti-3193	210	8	of	of	ADP
ajfti-3193	210	9	different	different	ADJ
ajfti-3193	210	10	organizational	organizational	ADJ
ajfti-3193	210	11	positions	position	NOUN
ajfti-3193	210	12	within	within	ADP
ajfti-3193	210	13	banks	bank	NOUN
ajfti-3193	210	14	,	,	PUNCT
ajfti-3193	210	15	these	these	DET
ajfti-3193	210	16	relationships	relationship	NOUN
ajfti-3193	210	17	were	be	AUX
ajfti-3193	210	18	established	establish	VERB
ajfti-3193	210	19	.	.	PUNCT
ajfti-3193	211	1	hypothesis	hypothesis	NOUN
ajfti-3193	211	2	1	1	NUM
ajfti-3193	211	3	:	:	PUNCT
ajfti-3193	211	4	credit	credit	NOUN
ajfti-3193	211	5	risk	risk	NOUN
ajfti-3193	211	6	and	and	CCONJ
ajfti-3193	211	7	financing	financing	NOUN
ajfti-3193	211	8	decisions	decision	NOUN
ajfti-3193	211	9	the	the	DET
ajfti-3193	211	10	regression	regression	NOUN
ajfti-3193	211	11	analysis	analysis	NOUN
ajfti-3193	211	12	confirmed	confirm	VERB
ajfti-3193	211	13	a	a	DET
ajfti-3193	211	14	significant	significant	ADJ
ajfti-3193	211	15	positive	positive	ADJ
ajfti-3193	211	16	relationship	relationship	NOUN
ajfti-3193	211	17	between	between	ADP
ajfti-3193	211	18	credit	credit	NOUN
ajfti-3193	211	19	risk	risk	NOUN
ajfti-3193	211	20	and	and	CCONJ
ajfti-3193	211	21	financing	financing	NOUN
ajfti-3193	211	22	decisions	decision	NOUN
ajfti-3193	211	23	(	(	PUNCT
ajfti-3193	211	24	beta	beta	NOUN
ajfti-3193	211	25	=	=	NOUN
ajfti-3193	211	26	0.956	0.956	NUM
ajfti-3193	211	27	,	,	PUNCT
ajfti-3193	211	28	p	p	X
ajfti-3193	211	29	=	=	NOUN
ajfti-3193	211	30	0.000	0.000	NUM
ajfti-3193	211	31	)	)	PUNCT
ajfti-3193	211	32	.	.	PUNCT
ajfti-3193	212	1	this	this	PRON
ajfti-3193	212	2	is	be	AUX
ajfti-3193	212	3	consistent	consistent	ADJ
ajfti-3193	212	4	with	with	ADP
ajfti-3193	212	5	h1	h1	PROPN
ajfti-3193	212	6	,	,	PUNCT
ajfti-3193	212	7	which	which	PRON
ajfti-3193	212	8	posits	posit	VERB
ajfti-3193	212	9	that	that	SCONJ
ajfti-3193	212	10	financing	financing	NOUN
ajfti-3193	212	11	decisions	decision	NOUN
ajfti-3193	212	12	become	become	VERB
ajfti-3193	212	13	more	more	ADV
ajfti-3193	212	14	significant	significant	ADJ
ajfti-3193	212	15	among	among	ADP
ajfti-3193	212	16	the	the	DET
ajfti-3193	212	17	banks	bank	NOUN
ajfti-3193	212	18	as	as	ADP
ajfti-3193	212	19	credit	credit	NOUN
ajfti-3193	212	20	risk	risk	NOUN
ajfti-3193	212	21	increases	increase	NOUN
ajfti-3193	212	22	.	.	PUNCT
ajfti-3193	213	1	this	this	DET
ajfti-3193	213	2	relationship	relationship	NOUN
ajfti-3193	213	3	indicates	indicate	VERB
ajfti-3193	213	4	that	that	SCONJ
ajfti-3193	213	5	high	high	ADJ
ajfti-3193	213	6	credit	credit	NOUN
ajfti-3193	213	7	risk	risk	NOUN
ajfti-3193	213	8	negatively	negatively	ADV
ajfti-3193	213	9	affects	affect	VERB
ajfti-3193	213	10	arar	arar	PROPN
ajfti-3193	213	11	banks	bank	NOUN
ajfti-3193	213	12	’	'	PUNCT
ajfti-3193	213	13	financial	financial	ADJ
ajfti-3193	213	14	performance	performance	NOUN
ajfti-3193	213	15	;	;	PUNCT
ajfti-3193	213	16	however	however	ADV
ajfti-3193	213	17	,	,	PUNCT
ajfti-3193	213	18	the	the	DET
ajfti-3193	213	19	banks	bank	NOUN
ajfti-3193	213	20	employ	employ	VERB
ajfti-3193	213	21	some	some	DET
ajfti-3193	213	22	financial	financial	ADJ
ajfti-3193	213	23	mechanisms	mechanism	NOUN
ajfti-3193	213	24	to	to	PART
ajfti-3193	213	25	address	address	VERB
ajfti-3193	213	26	this	this	DET
ajfti-3193	213	27	problem	problem	NOUN
ajfti-3193	213	28	.	.	PUNCT
ajfti-3193	214	1	such	such	ADJ
ajfti-3193	214	2	adjustments	adjustment	NOUN
ajfti-3193	214	3	involve	involve	VERB
ajfti-3193	214	4	a	a	DET
ajfti-3193	214	5	higher	high	ADJ
ajfti-3193	214	6	demand	demand	NOUN
ajfti-3193	214	7	for	for	ADP
ajfti-3193	214	8	cash	cash	NOUN
ajfti-3193	214	9	or	or	CCONJ
ajfti-3193	214	10	credit	credit	NOUN
ajfti-3193	214	11	standards	standard	NOUN
ajfti-3193	214	12	or	or	CCONJ
ajfti-3193	214	13	striving	strive	VERB
ajfti-3193	214	14	for	for	ADP
ajfti-3193	214	15	a	a	DET
ajfti-3193	214	16	higher	high	ADJ
ajfti-3193	214	17	yield	yield	NOUN
ajfti-3193	214	18	,	,	PUNCT
ajfti-3193	214	19	which	which	PRON
ajfti-3193	214	20	can	can	AUX
ajfti-3193	214	21	only	only	ADV
ajfti-3193	214	22	partially	partially	ADV
ajfti-3193	214	23	offset	offset	VERB
ajfti-3193	214	24	the	the	DET
ajfti-3193	214	25	higher	high	ADJ
ajfti-3193	214	26	risk	risk	NOUN
ajfti-3193	214	27	.	.	PUNCT
ajfti-3193	215	1	this	this	DET
ajfti-3193	215	2	finding	finding	NOUN
ajfti-3193	215	3	supports	support	VERB
ajfti-3193	215	4	the	the	DET
ajfti-3193	215	5	literature	literature	NOUN
ajfti-3193	215	6	arguing	argue	VERB
ajfti-3193	215	7	that	that	SCONJ
ajfti-3193	215	8	to	to	PART
ajfti-3193	215	9	protect	protect	VERB
ajfti-3193	215	10	their	their	PRON
ajfti-3193	215	11	stability	stability	NOUN
ajfti-3193	215	12	and	and	CCONJ
ajfti-3193	215	13	profitability	profitability	NOUN
ajfti-3193	215	14	;	;	PUNCT
ajfti-3193	215	15	banks	bank	NOUN
ajfti-3193	215	16	are	be	AUX
ajfti-3193	215	17	willing	willing	ADJ
ajfti-3193	215	18	to	to	PART
ajfti-3193	215	19	go	go	VERB
ajfti-3193	215	20	the	the	DET
ajfti-3193	215	21	extra	extra	ADJ
ajfti-3193	215	22	mile	mile	NOUN
ajfti-3193	215	23	to	to	PART
ajfti-3193	215	24	mitigate	mitigate	VERB
ajfti-3193	215	25	increased	increase	VERB
ajfti-3193	215	26	credit	credit	NOUN
ajfti-3193	215	27	risk	risk	NOUN
ajfti-3193	215	28	.	.	PUNCT
ajfti-3193	216	1	hypothesis	hypothesis	NOUN
ajfti-3193	216	2	2	2	NUM
ajfti-3193	216	3	:	:	PUNCT
ajfti-3193	216	4	liquidity	liquidity	NOUN
ajfti-3193	216	5	risk	risk	NOUN
ajfti-3193	216	6	and	and	CCONJ
ajfti-3193	216	7	financing	financing	NOUN
ajfti-3193	216	8	decisions	decision	NOUN
ajfti-3193	216	9	the	the	DET
ajfti-3193	216	10	study	study	NOUN
ajfti-3193	216	11	found	find	VERB
ajfti-3193	216	12	a	a	DET
ajfti-3193	216	13	strong	strong	ADJ
ajfti-3193	216	14	positive	positive	ADJ
ajfti-3193	216	15	correlation	correlation	NOUN
ajfti-3193	216	16	between	between	ADP
ajfti-3193	216	17	liquidity	liquidity	NOUN
ajfti-3193	216	18	risk	risk	NOUN
ajfti-3193	216	19	and	and	CCONJ
ajfti-3193	216	20	financing	financing	NOUN
ajfti-3193	216	21	decisions	decision	NOUN
ajfti-3193	216	22	(	(	PUNCT
ajfti-3193	216	23	beta	beta	NOUN
ajfti-3193	216	24	=	=	NOUN
ajfti-3193	216	25	0.970	0.970	NUM
ajfti-3193	216	26	,	,	PUNCT
ajfti-3193	216	27	p	p	X
ajfti-3193	216	28	=	=	NOUN
ajfti-3193	216	29	0.000	0.000	NUM
ajfti-3193	216	30	)	)	PUNCT
ajfti-3193	216	31	,	,	PUNCT
ajfti-3193	216	32	supporting	support	VERB
ajfti-3193	216	33	h2	h2	NOUN
ajfti-3193	216	34	.	.	PUNCT
ajfti-3193	217	1	this	this	DET
ajfti-3193	217	2	result	result	NOUN
ajfti-3193	217	3	suggests	suggest	VERB
ajfti-3193	217	4	that	that	SCONJ
ajfti-3193	217	5	the	the	PRON
ajfti-3193	217	6	greater	great	ADJ
ajfti-3193	217	7	the	the	DET
ajfti-3193	217	8	level	level	NOUN
ajfti-3193	217	9	of	of	ADP
ajfti-3193	217	10	liquidity	liquidity	NOUN
ajfti-3193	217	11	risk	risk	NOUN
ajfti-3193	217	12	,	,	PUNCT
ajfti-3193	217	13	the	the	PRON
ajfti-3193	217	14	more	more	ADV
ajfti-3193	217	15	excessive	excessive	ADJ
ajfti-3193	217	16	the	the	DET
ajfti-3193	217	17	financial	financial	ADJ
ajfti-3193	217	18	decisions	decision	NOUN
ajfti-3193	217	19	made	make	VERB
ajfti-3193	217	20	by	by	ADP
ajfti-3193	217	21	banks	bank	NOUN
ajfti-3193	217	22	due	due	ADJ
ajfti-3193	217	23	to	to	ADP
ajfti-3193	217	24	the	the	DET
ajfti-3193	217	25	need	need	NOUN
ajfti-3193	217	26	to	to	PART
ajfti-3193	217	27	maintain	maintain	VERB
ajfti-3193	217	28	sufficient	sufficient	ADJ
ajfti-3193	217	29	liquidity	liquidity	NOUN
ajfti-3193	217	30	and	and	CCONJ
ajfti-3193	217	31	deal	deal	VERB
ajfti-3193	217	32	with	with	ADP
ajfti-3193	217	33	a	a	DET
ajfti-3193	217	34	potential	potential	ADJ
ajfti-3193	217	35	liquidity	liquidity	NOUN
ajfti-3193	217	36	gap	gap	NOUN
ajfti-3193	217	37	.	.	PUNCT
ajfti-3193	218	1	this	this	DET
ajfti-3193	218	2	relationship	relationship	NOUN
ajfti-3193	218	3	is	be	AUX
ajfti-3193	218	4	consistent	consistent	ADJ
ajfti-3193	218	5	with	with	ADP
ajfti-3193	218	6	prior	prior	ADJ
ajfti-3193	218	7	studies	study	NOUN
ajfti-3193	218	8	done	do	VERB
ajfti-3193	218	9	on	on	ADP
ajfti-3193	218	10	the	the	DET
ajfti-3193	218	11	implications	implication	NOUN
ajfti-3193	218	12	of	of	ADP
ajfti-3193	218	13	liquidity	liquidity	NOUN
ajfti-3193	218	14	management	management	NOUN
ajfti-3193	218	15	in	in	ADP
ajfti-3193	218	16	ensuring	ensure	VERB
ajfti-3193	218	17	the	the	DET
ajfti-3193	218	18	solvency	solvency	NOUN
ajfti-3193	218	19	and	and	CCONJ
ajfti-3193	218	20	business	business	NOUN
ajfti-3193	218	21	viability	viability	NOUN
ajfti-3193	218	22	of	of	ADP
ajfti-3193	218	23	banking	banking	NOUN
ajfti-3193	218	24	institutions	institution	NOUN
ajfti-3193	218	25	,	,	PUNCT
ajfti-3193	218	26	especially	especially	ADV
ajfti-3193	218	27	during	during	ADP
ajfti-3193	218	28	periods	period	NOUN
ajfti-3193	218	29	of	of	ADP
ajfti-3193	218	30	economic	economic	ADJ
ajfti-3193	218	31	instability	instability	NOUN
ajfti-3193	218	32	.	.	PUNCT
ajfti-3193	219	1	hypothesis	hypothesis	NOUN
ajfti-3193	219	2	3	3	NUM
ajfti-3193	219	3	:	:	PUNCT
ajfti-3193	219	4	operational	operational	ADJ
ajfti-3193	219	5	risk	risk	NOUN
ajfti-3193	219	6	and	and	CCONJ
ajfti-3193	219	7	financing	financing	NOUN
ajfti-3193	219	8	decisions	decision	NOUN
ajfti-3193	219	9	the	the	DET
ajfti-3193	219	10	regression	regression	NOUN
ajfti-3193	219	11	analysis	analysis	NOUN
ajfti-3193	219	12	also	also	ADV
ajfti-3193	219	13	revealed	reveal	VERB
ajfti-3193	219	14	a	a	DET
ajfti-3193	219	15	significant	significant	ADJ
ajfti-3193	219	16	positive	positive	ADJ
ajfti-3193	219	17	relationship	relationship	NOUN
ajfti-3193	219	18	between	between	ADP
ajfti-3193	219	19	operational	operational	ADJ
ajfti-3193	219	20	risk	risk	NOUN
ajfti-3193	219	21	and	and	CCONJ
ajfti-3193	219	22	financing	financing	NOUN
ajfti-3193	219	23	decisions	decision	NOUN
ajfti-3193	219	24	(	(	PUNCT
ajfti-3193	219	25	beta	beta	NOUN
ajfti-3193	219	26	=	=	NOUN
ajfti-3193	219	27	0.977	0.977	NUM
ajfti-3193	219	28	,	,	PUNCT
ajfti-3193	219	29	p	p	X
ajfti-3193	219	30	=	=	NOUN
ajfti-3193	219	31	0.000	0.000	NUM
ajfti-3193	219	32	)	)	PUNCT
ajfti-3193	219	33	,	,	PUNCT
ajfti-3193	219	34	confirming	confirm	VERB
ajfti-3193	219	35	h3	h3	NOUN
ajfti-3193	219	36	.	.	PUNCT
ajfti-3193	220	1	due	due	ADP
ajfti-3193	220	2	to	to	ADP
ajfti-3193	220	3	the	the	DET
ajfti-3193	220	4	higher	high	ADJ
ajfti-3193	220	5	level	level	NOUN
ajfti-3193	220	6	of	of	ADP
ajfti-3193	220	7	operational	operational	ADJ
ajfti-3193	220	8	risk	risk	NOUN
ajfti-3193	220	9	,	,	PUNCT
ajfti-3193	220	10	more	more	ADV
ajfti-3193	220	11	significant	significant	ADJ
ajfti-3193	220	12	financing	financing	NOUN
ajfti-3193	220	13	decisions	decision	NOUN
ajfti-3193	220	14	are	be	AUX
ajfti-3193	220	15	likely	likely	ADJ
ajfti-3193	220	16	to	to	PART
ajfti-3193	220	17	occur	occur	VERB
ajfti-3193	220	18	to	to	PART
ajfti-3193	220	19	prevent	prevent	VERB
ajfti-3193	220	20	operational	operational	ADJ
ajfti-3193	220	21	disruption	disruption	NOUN
ajfti-3193	220	22	and	and	CCONJ
ajfti-3193	220	23	sustain	sustain	VERB
ajfti-3193	220	24	normal	normal	ADJ
ajfti-3193	220	25	operations	operation	NOUN
ajfti-3193	220	26	in	in	ADP
ajfti-3193	220	27	the	the	DET
ajfti-3193	220	28	banking	banking	NOUN
ajfti-3193	220	29	industry	industry	NOUN
ajfti-3193	220	30	.	.	PUNCT
ajfti-3193	221	1	this	this	PRON
ajfti-3193	221	2	concurs	concur	VERB
ajfti-3193	221	3	with	with	ADP
ajfti-3193	221	4	the	the	DET
ajfti-3193	221	5	work	work	NOUN
ajfti-3193	221	6	that	that	PRON
ajfti-3193	221	7	holds	hold	VERB
ajfti-3193	221	8	crucial	crucial	ADJ
ajfti-3193	221	9	values	value	NOUN
ajfti-3193	221	10	in	in	ADP
ajfti-3193	221	11	managing	manage	VERB
ajfti-3193	221	12	operational	operational	ADJ
ajfti-3193	221	13	risks	risk	NOUN
ajfti-3193	221	14	to	to	PART
ajfti-3193	221	15	avoid	avoid	VERB
ajfti-3193	221	16	large	large	ADJ
ajfti-3193	221	17	losses	loss	NOUN
ajfti-3193	221	18	and	and	CCONJ
ajfti-3193	221	19	ensure	ensure	VERB
ajfti-3193	221	20	the	the	DET
ajfti-3193	221	21	integrity	integrity	NOUN
ajfti-3193	221	22	of	of	ADP
ajfti-3193	221	23	banking	banking	NOUN
ajfti-3193	221	24	services	service	NOUN
ajfti-3193	221	25	.	.	PUNCT
ajfti-3193	222	1	hypothesis	hypothesis	NOUN
ajfti-3193	222	2	4	4	NUM
ajfti-3193	222	3	:	:	PUNCT
ajfti-3193	222	4	financial	financial	ADJ
ajfti-3193	222	5	risk	risk	NOUN
ajfti-3193	222	6	and	and	CCONJ
ajfti-3193	222	7	financing	financing	NOUN
ajfti-3193	222	8	decisions	decision	NOUN
ajfti-3193	222	9	finally	finally	ADV
ajfti-3193	222	10	,	,	PUNCT
ajfti-3193	222	11	the	the	DET
ajfti-3193	222	12	analysis	analysis	NOUN
ajfti-3193	222	13	demonstrated	demonstrate	VERB
ajfti-3193	222	14	a	a	DET
ajfti-3193	222	15	significant	significant	ADJ
ajfti-3193	222	16	positive	positive	ADJ
ajfti-3193	222	17	relationship	relationship	NOUN
ajfti-3193	222	18	between	between	ADP
ajfti-3193	222	19	overall	overall	ADJ
ajfti-3193	222	20	financial	financial	ADJ
ajfti-3193	222	21	risk	risk	NOUN
ajfti-3193	222	22	and	and	CCONJ
ajfti-3193	222	23	financing	financing	NOUN
ajfti-3193	222	24	decisions	decision	NOUN
ajfti-3193	222	25	(	(	PUNCT
ajfti-3193	222	26	beta	beta	NOUN
ajfti-3193	222	27	=	=	NOUN
ajfti-3193	222	28	0.979	0.979	NUM
ajfti-3193	222	29	,	,	PUNCT
ajfti-3193	222	30	p	p	X
ajfti-3193	222	31	=	=	NOUN
ajfti-3193	222	32	0.000	0.000	NUM
ajfti-3193	222	33	)	)	PUNCT
ajfti-3193	222	34	,	,	PUNCT
ajfti-3193	222	35	validating	validate	VERB
ajfti-3193	222	36	h4	h4	NOUN
ajfti-3193	222	37	.	.	PUNCT
ajfti-3193	223	1	this	this	PRON
ajfti-3193	223	2	implies	imply	VERB
ajfti-3193	223	3	that	that	SCONJ
ajfti-3193	223	4	with	with	ADP
ajfti-3193	223	5	higher	high	ADJ
ajfti-3193	223	6	cumulative	cumulative	ADJ
ajfti-3193	223	7	financial	financial	ADJ
ajfti-3193	223	8	risks	risk	NOUN
ajfti-3193	223	9	,	,	PUNCT
ajfti-3193	223	10	banks	bank	NOUN
ajfti-3193	223	11	are	be	AUX
ajfti-3193	223	12	more	more	ADV
ajfti-3193	223	13	likely	likely	ADJ
ajfti-3193	223	14	to	to	PART
ajfti-3193	223	15	engage	engage	VERB
ajfti-3193	223	16	in	in	ADP
ajfti-3193	223	17	aggressive	aggressive	ADJ
ajfti-3193	223	18	financing	financing	NOUN
ajfti-3193	223	19	techniques	technique	NOUN
ajfti-3193	223	20	to	to	PART
ajfti-3193	223	21	negotiate	negotiate	VERB
ajfti-3193	223	22	the	the	DET
ajfti-3193	223	23	risk	risk	NOUN
ajfti-3193	223	24	landscape	landscape	NOUN
ajfti-3193	223	25	proficiently	proficiently	ADV
ajfti-3193	223	26	.	.	PUNCT
ajfti-3193	224	1	this	this	DET
ajfti-3193	224	2	approach	approach	NOUN
ajfti-3193	224	3	towards	towards	ADP
ajfti-3193	224	4	risk	risk	NOUN
ajfti-3193	224	5	management	management	NOUN
ajfti-3193	224	6	is	be	AUX
ajfti-3193	224	7	in	in	ADP
ajfti-3193	224	8	line	line	NOUN
ajfti-3193	224	9	with	with	ADP
ajfti-3193	224	10	the	the	DET
ajfti-3193	224	11	research	research	NOUN
ajfti-3193	224	12	findings	finding	NOUN
ajfti-3193	224	13	of	of	ADP
ajfti-3193	224	14	the	the	DET
ajfti-3193	224	15	current	current	ADJ
ajfti-3193	224	16	literature	literature	NOUN
ajfti-3193	224	17	,	,	PUNCT
ajfti-3193	224	18	where	where	SCONJ
ajfti-3193	224	19	the	the	DET
ajfti-3193	224	20	authors	author	NOUN
ajfti-3193	224	21	have	have	AUX
ajfti-3193	224	22	emphasized	emphasize	VERB
ajfti-3193	224	23	the	the	DET
ajfti-3193	224	24	interrelatedness	interrelatedness	NOUN
ajfti-3193	224	25	of	of	ADP
ajfti-3193	224	26	financial	financial	ADJ
ajfti-3193	224	27	risks	risk	NOUN
ajfti-3193	224	28	and	and	CCONJ
ajfti-3193	224	29	their	their	PRON
ajfti-3193	224	30	combined	combine	VERB
ajfti-3193	224	31	effects	effect	NOUN
ajfti-3193	224	32	on	on	ADP
ajfti-3193	224	33	strategic	strategic	ADJ
ajfti-3193	224	34	financial	financial	ADJ
ajfti-3193	224	35	decision	decision	NOUN
ajfti-3193	224	36	-	-	PUNCT
ajfti-3193	224	37	making	making	NOUN
ajfti-3193	224	38	.	.	PUNCT
ajfti-3193	225	1	these	these	DET
ajfti-3193	225	2	results	result	NOUN
ajfti-3193	225	3	align	align	VERB
ajfti-3193	225	4	with	with	ADP
ajfti-3193	225	5	global	global	ADJ
ajfti-3193	225	6	and	and	CCONJ
ajfti-3193	225	7	regional	regional	ADJ
ajfti-3193	225	8	research	research	NOUN
ajfti-3193	225	9	from	from	ADP
ajfti-3193	225	10	2018	2018	NUM
ajfti-3193	225	11	onwards	onward	NOUN
ajfti-3193	225	12	,	,	PUNCT
ajfti-3193	225	13	revealing	reveal	VERB
ajfti-3193	225	14	that	that	SCONJ
ajfti-3193	225	15	financial	financial	ADJ
ajfti-3193	225	16	risks	risk	NOUN
ajfti-3193	225	17	substantially	substantially	ADV
ajfti-3193	225	18	affect	affect	VERB
ajfti-3193	225	19	banks	bank	NOUN
ajfti-3193	225	20	’	’	PART
ajfti-3193	225	21	financing	financing	NOUN
ajfti-3193	225	22	activities	activity	NOUN
ajfti-3193	225	23	.	.	PUNCT
ajfti-3193	226	1	for	for	ADP
ajfti-3193	226	2	instance	instance	NOUN
ajfti-3193	226	3	,	,	PUNCT
ajfti-3193	226	4	credit	credit	NOUN
ajfti-3193	226	5	risk	risk	NOUN
ajfti-3193	226	6	research	research	NOUN
ajfti-3193	226	7	shows	show	VERB
ajfti-3193	226	8	that	that	SCONJ
ajfti-3193	226	9	banks	bank	NOUN
ajfti-3193	226	10	’	'	PUNCT
ajfti-3193	226	11	credit	credit	NOUN
ajfti-3193	226	12	policies	policy	NOUN
ajfti-3193	226	13	become	become	VERB
ajfti-3193	226	14	tight	tight	ADJ
ajfti-3193	226	15	in	in	ADP
ajfti-3193	226	16	the	the	DET
ajfti-3193	226	17	face	face	NOUN
ajfti-3193	226	18	of	of	ADP
ajfti-3193	226	19	higher	high	ADJ
ajfti-3193	226	20	credit	credit	NOUN
ajfti-3193	226	21	risk	risk	NOUN
ajfti-3193	226	22	,	,	PUNCT
ajfti-3193	226	23	whereas	whereas	SCONJ
ajfti-3193	226	24	if	if	SCONJ
ajfti-3193	226	25	a	a	DET
ajfti-3193	226	26	bank	bank	NOUN
ajfti-3193	226	27	is	be	AUX
ajfti-3193	226	28	exposed	expose	VERB
ajfti-3193	226	29	to	to	ADP
ajfti-3193	226	30	liquidity	liquidity	NOUN
ajfti-3193	226	31	risk	risk	NOUN
ajfti-3193	226	32	,	,	PUNCT
ajfti-3193	226	33	the	the	DET
ajfti-3193	226	34	concern	concern	NOUN
ajfti-3193	226	35	is	be	AUX
ajfti-3193	226	36	shifted	shift	VERB
ajfti-3193	226	37	more	more	ADJ
ajfti-3193	226	38	towards	towards	ADP
ajfti-3193	226	39	having	have	VERB
ajfti-3193	226	40	sufficient	sufficient	ADJ
ajfti-3193	226	41	liquidity	liquidity	NOUN
ajfti-3193	226	42	cushions	cushion	NOUN
ajfti-3193	226	43	.	.	PUNCT
ajfti-3193	227	1	likewise	likewise	ADV
ajfti-3193	227	2	,	,	PUNCT
ajfti-3193	227	3	operational	operational	ADJ
ajfti-3193	227	4	risk	risk	NOUN
ajfti-3193	227	5	has	have	AUX
ajfti-3193	227	6	been	be	AUX
ajfti-3193	227	7	identified	identify	VERB
ajfti-3193	227	8	as	as	ADP
ajfti-3193	227	9	a	a	DET
ajfti-3193	227	10	way	way	NOUN
ajfti-3193	227	11	for	for	SCONJ
ajfti-3193	227	12	banks	bank	NOUN
ajfti-3193	227	13	to	to	PART
ajfti-3193	227	14	improve	improve	VERB
ajfti-3193	227	15	risk	risk	NOUN
ajfti-3193	227	16	management	management	NOUN
ajfti-3193	227	17	to	to	PART
ajfti-3193	227	18	support	support	VERB
ajfti-3193	227	19	operations	operation	NOUN
ajfti-3193	227	20	and	and	CCONJ
ajfti-3193	227	21	reduce	reduce	VERB
ajfti-3193	227	22	loss	loss	NOUN
ajfti-3193	227	23	.	.	PUNCT
ajfti-3193	228	1	table	table	NOUN
ajfti-3193	228	2	8	8	NUM
ajfti-3193	228	3	:	:	PUNCT
ajfti-3193	228	4	impact	impact	NOUN
ajfti-3193	228	5	of	of	ADP
ajfti-3193	228	6	financial	financial	ADJ
ajfti-3193	228	7	risk	risk	NOUN
ajfti-3193	228	8	on	on	ADP
ajfti-3193	228	9	financing	finance	VERB
ajfti-3193	228	10	decision	decision	NOUN
ajfti-3193	228	11	coefficients	coefficient	NOUN
ajfti-3193	228	12	model	model	VERB
ajfti-3193	228	13	unstandardized	unstandardized	ADJ
ajfti-3193	228	14	coefficients	coefficient	NOUN
ajfti-3193	228	15	standardized	standardize	VERB
ajfti-3193	228	16	coefficients	coefficient	NOUN
ajfti-3193	228	17	t	t	PROPN
ajfti-3193	228	18	sig	sig	PROPN
ajfti-3193	228	19	.	.	PUNCT
ajfti-3193	229	1	b	b	X
ajfti-3193	229	2	std	std	PROPN
ajfti-3193	229	3	.	.	NOUN
ajfti-3193	229	4	error	error	NOUN
ajfti-3193	229	5	beta	beta	NOUN
ajfti-3193	229	6	1	1	NUM
ajfti-3193	229	7	(	(	PUNCT
ajfti-3193	229	8	constant	constant	ADJ
ajfti-3193	229	9	)	)	PUNCT
ajfti-3193	229	10	.986	.986	NUM
ajfti-3193	229	11	.098	.098	NUM
ajfti-3193	230	1	10.049	10.049	NUM
ajfti-3193	230	2	.000	.000	NUM
ajfti-3193	230	3	financial	financial	ADJ
ajfti-3193	230	4	risk	risk	NOUN
ajfti-3193	230	5	.868	.868	NUM
ajfti-3193	230	6	.026	.026	NUM
ajfti-3193	230	7	.979	.979	NUM
ajfti-3193	230	8	33.339	33.339	NUM
ajfti-3193	230	9	.000	.000	NUM
ajfti-3193	230	10	a.	a.	NOUN
ajfti-3193	230	11	dependent	dependent	ADJ
ajfti-3193	230	12	variable	variable	NOUN
ajfti-3193	230	13	:	:	PUNCT
ajfti-3193	230	14	financing	financing	NOUN
ajfti-3193	230	15	decision	decision	NOUN
ajfti-3193	230	16	pa	pa	PROPN
ajfti-3193	230	17	ge	ge	PROPN
ajfti-3193	230	18	41	41	NUM
ajfti-3193	230	19	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	230	20	am	be	AUX
ajfti-3193	230	21	.	.	PUNCT
ajfti-3193	231	1	j.	j.	PROPN
ajfti-3193	231	2	financ	financ	PROPN
ajfti-3193	231	3	.	.	PUNCT
ajfti-3193	232	1	technol	technol	PROPN
ajfti-3193	232	2	.	.	PUNCT
ajfti-3193	232	3	innov	innov	PROPN
ajfti-3193	232	4	.	.	PUNCT
ajfti-3193	233	1	2(1	2(1	NUM
ajfti-3193	233	2	)	)	PUNCT
ajfti-3193	234	1	33	33	NUM
ajfti-3193	234	2	-	-	SYM
ajfti-3193	234	3	43	43	NUM
ajfti-3193	234	4	,	,	PUNCT
ajfti-3193	234	5	2024	2024	NUM
ajfti-3193	234	6	conclusion	conclusion	NOUN
ajfti-3193	234	7	all	all	DET
ajfti-3193	234	8	the	the	DET
ajfti-3193	234	9	financial	financial	ADJ
ajfti-3193	234	10	risks	risk	NOUN
ajfti-3193	234	11	,	,	PUNCT
ajfti-3193	234	12	such	such	ADJ
ajfti-3193	234	13	as	as	ADP
ajfti-3193	234	14	credit	credit	NOUN
ajfti-3193	234	15	risk	risk	NOUN
ajfti-3193	234	16	,	,	PUNCT
ajfti-3193	234	17	liquidity	liquidity	NOUN
ajfti-3193	234	18	risk	risk	NOUN
ajfti-3193	234	19	,	,	PUNCT
ajfti-3193	234	20	operational	operational	ADJ
ajfti-3193	234	21	risk	risk	NOUN
ajfti-3193	234	22	and	and	CCONJ
ajfti-3193	234	23	other	other	ADJ
ajfti-3193	234	24	general	general	ADJ
ajfti-3193	234	25	financial	financial	ADJ
ajfti-3193	234	26	risks	risk	NOUN
ajfti-3193	234	27	,	,	PUNCT
ajfti-3193	234	28	have	have	VERB
ajfti-3193	234	29	a	a	DET
ajfti-3193	234	30	remarkable	remarkable	ADJ
ajfti-3193	234	31	impact	impact	NOUN
ajfti-3193	234	32	on	on	ADP
ajfti-3193	234	33	the	the	DET
ajfti-3193	234	34	financing	financing	NOUN
ajfti-3193	234	35	activities	activity	NOUN
ajfti-3193	234	36	of	of	ADP
ajfti-3193	234	37	saudi	saudi	ADJ
ajfti-3193	234	38	commercial	commercial	ADJ
ajfti-3193	234	39	banks	bank	NOUN
ajfti-3193	234	40	in	in	ADP
ajfti-3193	234	41	arar	arar	PROPN
ajfti-3193	234	42	city	city	PROPN
ajfti-3193	234	43	.	.	PUNCT
ajfti-3193	235	1	research	research	NOUN
ajfti-3193	235	2	showed	show	VERB
ajfti-3193	235	3	that	that	SCONJ
ajfti-3193	235	4	as	as	SCONJ
ajfti-3193	235	5	these	these	DET
ajfti-3193	235	6	risks	risk	NOUN
ajfti-3193	235	7	rise	rise	VERB
ajfti-3193	235	8	,	,	PUNCT
ajfti-3193	235	9	the	the	DET
ajfti-3193	235	10	banking	banking	NOUN
ajfti-3193	235	11	industry	industry	NOUN
ajfti-3193	235	12	provides	provide	VERB
ajfti-3193	235	13	more	more	ADV
ajfti-3193	235	14	significant	significant	ADJ
ajfti-3193	235	15	funding	funding	NOUN
ajfti-3193	235	16	to	to	PART
ajfti-3193	235	17	offset	offset	VERB
ajfti-3193	235	18	dangers	danger	NOUN
ajfti-3193	235	19	and	and	CCONJ
ajfti-3193	235	20	secure	secure	ADJ
ajfti-3193	235	21	steadiness	steadiness	NOUN
ajfti-3193	235	22	.	.	PUNCT
ajfti-3193	236	1	this	this	DET
ajfti-3193	236	2	observation	observation	NOUN
ajfti-3193	236	3	is	be	AUX
ajfti-3193	236	4	supported	support	VERB
ajfti-3193	236	5	by	by	ADP
ajfti-3193	236	6	current	current	ADJ
ajfti-3193	236	7	global	global	ADJ
ajfti-3193	236	8	and	and	CCONJ
ajfti-3193	236	9	regional	regional	ADJ
ajfti-3193	236	10	research	research	NOUN
ajfti-3193	236	11	,	,	PUNCT
ajfti-3193	236	12	where	where	SCONJ
ajfti-3193	236	13	the	the	DET
ajfti-3193	236	14	risk	risk	NOUN
ajfti-3193	236	15	management	management	NOUN
ajfti-3193	236	16	framework	framework	NOUN
ajfti-3193	236	17	is	be	AUX
ajfti-3193	236	18	highlighted	highlight	VERB
ajfti-3193	236	19	as	as	ADP
ajfti-3193	236	20	a	a	DET
ajfti-3193	236	21	determinant	determinant	ADJ
ajfti-3193	236	22	factor	factor	NOUN
ajfti-3193	236	23	in	in	ADP
ajfti-3193	236	24	the	the	DET
ajfti-3193	236	25	strategic	strategic	ADJ
ajfti-3193	236	26	control	control	NOUN
ajfti-3193	236	27	of	of	ADP
ajfti-3193	236	28	all	all	DET
ajfti-3193	236	29	financial	financial	ADJ
ajfti-3193	236	30	decisions	decision	NOUN
ajfti-3193	236	31	.	.	PUNCT
ajfti-3193	237	1	positive	positive	ADJ
ajfti-3193	237	2	correlations	correlation	NOUN
ajfti-3193	237	3	between	between	ADP
ajfti-3193	237	4	these	these	DET
ajfti-3193	237	5	risks	risk	NOUN
ajfti-3193	237	6	and	and	CCONJ
ajfti-3193	237	7	financing	financing	NOUN
ajfti-3193	237	8	decisions	decision	NOUN
ajfti-3193	237	9	show	show	VERB
ajfti-3193	237	10	that	that	SCONJ
ajfti-3193	237	11	the	the	DET
ajfti-3193	237	12	examined	examine	VERB
ajfti-3193	237	13	financial	financial	ADJ
ajfti-3193	237	14	risks	risk	NOUN
ajfti-3193	237	15	are	be	AUX
ajfti-3193	237	16	interconnected	interconnect	VERB
ajfti-3193	237	17	in	in	ADP
ajfti-3193	237	18	the	the	DET
ajfti-3193	237	19	banking	banking	NOUN
ajfti-3193	237	20	sector	sector	NOUN
ajfti-3193	237	21	.	.	PUNCT
ajfti-3193	238	1	as	as	ADP
ajfti-3193	238	2	a	a	DET
ajfti-3193	238	3	result	result	NOUN
ajfti-3193	238	4	,	,	PUNCT
ajfti-3193	238	5	banks	bank	NOUN
ajfti-3193	238	6	require	require	VERB
ajfti-3193	238	7	advanced	advanced	ADJ
ajfti-3193	238	8	and	and	CCONJ
ajfti-3193	238	9	elaborate	elaborate	ADJ
ajfti-3193	238	10	risk	risk	NOUN
ajfti-3193	238	11	management	management	NOUN
ajfti-3193	238	12	strategies	strategy	NOUN
ajfti-3193	238	13	adopted	adopt	VERB
ajfti-3193	238	14	that	that	PRON
ajfti-3193	238	15	can	can	AUX
ajfti-3193	238	16	help	help	VERB
ajfti-3193	238	17	them	they	PRON
ajfti-3193	238	18	sustain	sustain	VERB
ajfti-3193	238	19	and	and	CCONJ
ajfti-3193	238	20	grow	grow	VERB
ajfti-3193	238	21	through	through	ADP
ajfti-3193	238	22	difficult	difficult	ADJ
ajfti-3193	238	23	financial	financial	ADJ
ajfti-3193	238	24	conditions	condition	NOUN
ajfti-3193	238	25	.	.	PUNCT
ajfti-3193	239	1	this	this	DET
ajfti-3193	239	2	research	research	NOUN
ajfti-3193	239	3	also	also	ADV
ajfti-3193	239	4	emphasizes	emphasize	VERB
ajfti-3193	239	5	regular	regular	ADJ
ajfti-3193	239	6	risk	risk	NOUN
ajfti-3193	239	7	assessment	assessment	NOUN
ajfti-3193	239	8	and	and	CCONJ
ajfti-3193	239	9	proper	proper	ADJ
ajfti-3193	239	10	risk	risk	NOUN
ajfti-3193	239	11	mitigation	mitigation	NOUN
ajfti-3193	239	12	measures	measure	NOUN
ajfti-3193	239	13	to	to	PART
ajfti-3193	239	14	help	help	VERB
ajfti-3193	239	15	banks	bank	NOUN
ajfti-3193	239	16	protect	protect	VERB
ajfti-3193	239	17	their	their	PRON
ajfti-3193	239	18	financial	financial	ADJ
ajfti-3193	239	19	positions	position	NOUN
ajfti-3193	239	20	and	and	CCONJ
ajfti-3193	239	21	ensure	ensure	VERB
ajfti-3193	239	22	their	their	PRON
ajfti-3193	239	23	ability	ability	NOUN
ajfti-3193	239	24	to	to	PART
ajfti-3193	239	25	operate	operate	VERB
ajfti-3193	239	26	in	in	ADP
ajfti-3193	239	27	volatile	volatile	ADJ
ajfti-3193	239	28	economic	economic	ADJ
ajfti-3193	239	29	climates	climate	NOUN
ajfti-3193	239	30	.	.	PUNCT
ajfti-3193	240	1	recommendations	recommendation	NOUN
ajfti-3193	240	2	•	•	ADP
ajfti-3193	240	3	risk	risk	NOUN
ajfti-3193	240	4	management	management	NOUN
ajfti-3193	240	5	continues	continue	VERB
ajfti-3193	240	6	to	to	PART
ajfti-3193	240	7	play	play	VERB
ajfti-3193	240	8	a	a	DET
ajfti-3193	240	9	crucial	crucial	ADJ
ajfti-3193	240	10	role	role	NOUN
ajfti-3193	240	11	in	in	ADP
ajfti-3193	240	12	enhancing	enhance	VERB
ajfti-3193	240	13	the	the	DET
ajfti-3193	240	14	efficiency	efficiency	NOUN
ajfti-3193	240	15	of	of	ADP
ajfti-3193	240	16	credit	credit	NOUN
ajfti-3193	240	17	and	and	CCONJ
ajfti-3193	240	18	operational	operational	ADJ
ajfti-3193	240	19	risk	risk	NOUN
ajfti-3193	240	20	management	management	NOUN
ajfti-3193	240	21	in	in	ADP
ajfti-3193	240	22	financing	financing	NOUN
ajfti-3193	240	23	decisions	decision	NOUN
ajfti-3193	240	24	.	.	PUNCT
ajfti-3193	241	1	therefore	therefore	ADV
ajfti-3193	241	2	,	,	PUNCT
ajfti-3193	241	3	instituting	institute	VERB
ajfti-3193	241	4	frameworks	framework	NOUN
ajfti-3193	241	5	for	for	ADP
ajfti-3193	241	6	risk	risk	NOUN
ajfti-3193	241	7	management	management	NOUN
ajfti-3193	241	8	solutions	solution	NOUN
ajfti-3193	241	9	that	that	PRON
ajfti-3193	241	10	address	address	VERB
ajfti-3193	241	11	credit	credit	NOUN
ajfti-3193	241	12	,	,	PUNCT
ajfti-3193	241	13	liquidity	liquidity	NOUN
ajfti-3193	241	14	,	,	PUNCT
ajfti-3193	241	15	and	and	CCONJ
ajfti-3193	241	16	operational	operational	ADJ
ajfti-3193	241	17	risks	risk	NOUN
ajfti-3193	241	18	is	be	AUX
ajfti-3193	241	19	imperative	imperative	ADJ
ajfti-3193	241	20	.	.	PUNCT
ajfti-3193	242	1	•	•	NUM
ajfti-3193	242	2	appropriate	appropriate	ADJ
ajfti-3193	242	3	risk	risk	NOUN
ajfti-3193	242	4	identification	identification	NOUN
ajfti-3193	242	5	and	and	CCONJ
ajfti-3193	242	6	assessment	assessment	NOUN
ajfti-3193	242	7	,	,	PUNCT
ajfti-3193	242	8	supported	support	VERB
ajfti-3193	242	9	by	by	ADP
ajfti-3193	242	10	advanced	advanced	ADJ
ajfti-3193	242	11	tools	tool	NOUN
ajfti-3193	242	12	and	and	CCONJ
ajfti-3193	242	13	technologies	technology	NOUN
ajfti-3193	242	14	,	,	PUNCT
ajfti-3193	242	15	allow	allow	VERB
ajfti-3193	242	16	for	for	ADP
ajfti-3193	242	17	effective	effective	ADJ
ajfti-3193	242	18	identification	identification	NOUN
ajfti-3193	242	19	and	and	CCONJ
ajfti-3193	242	20	timely	timely	ADJ
ajfti-3193	242	21	response	response	NOUN
ajfti-3193	242	22	to	to	ADP
ajfti-3193	242	23	potential	potential	ADJ
ajfti-3193	242	24	financial	financial	ADJ
ajfti-3193	242	25	risks	risk	NOUN
ajfti-3193	242	26	.	.	PUNCT
ajfti-3193	243	1	•	•	NOUN
ajfti-3193	243	2	stress	stress	NOUN
ajfti-3193	243	3	testing	testing	NOUN
ajfti-3193	243	4	enables	enable	VERB
ajfti-3193	243	5	the	the	DET
ajfti-3193	243	6	banks	bank	NOUN
ajfti-3193	243	7	to	to	PART
ajfti-3193	243	8	assess	assess	VERB
ajfti-3193	243	9	their	their	PRON
ajfti-3193	243	10	vulnerability	vulnerability	NOUN
ajfti-3193	243	11	amidst	amidst	ADP
ajfti-3193	243	12	shocks	shock	NOUN
ajfti-3193	243	13	and	and	CCONJ
ajfti-3193	243	14	adjust	adjust	VERB
ajfti-3193	243	15	their	their	PRON
ajfti-3193	243	16	financing	financing	NOUN
ajfti-3193	243	17	frameworks	framework	NOUN
ajfti-3193	243	18	as	as	ADP
ajfti-3193	243	19	necessary	necessary	ADJ
ajfti-3193	243	20	.	.	PUNCT
ajfti-3193	244	1	•	•	NUM
ajfti-3193	244	2	continuous	continuous	ADJ
ajfti-3193	244	3	training	training	NOUN
ajfti-3193	244	4	and	and	CCONJ
ajfti-3193	244	5	development	development	NOUN
ajfti-3193	244	6	of	of	ADP
ajfti-3193	244	7	financial	financial	ADJ
ajfti-3193	244	8	analysts	analyst	NOUN
ajfti-3193	244	9	,	,	PUNCT
ajfti-3193	244	10	risk	risk	NOUN
ajfti-3193	244	11	managers	manager	NOUN
ajfti-3193	244	12	,	,	PUNCT
ajfti-3193	244	13	and	and	CCONJ
ajfti-3193	244	14	senior	senior	ADJ
ajfti-3193	244	15	executives	executive	NOUN
ajfti-3193	244	16	will	will	AUX
ajfti-3193	244	17	improve	improve	VERB
ajfti-3193	244	18	their	their	PRON
ajfti-3193	244	19	understanding	understanding	NOUN
ajfti-3193	244	20	of	of	ADP
ajfti-3193	244	21	existing	exist	VERB
ajfti-3193	244	22	risk	risk	NOUN
ajfti-3193	244	23	management	management	NOUN
ajfti-3193	244	24	solutions	solution	NOUN
ajfti-3193	244	25	.	.	PUNCT
ajfti-3193	245	1	•	•	NUM
ajfti-3193	245	2	firms	firm	NOUN
ajfti-3193	245	3	should	should	AUX
ajfti-3193	245	4	pay	pay	VERB
ajfti-3193	245	5	significant	significant	ADJ
ajfti-3193	245	6	attention	attention	NOUN
ajfti-3193	245	7	to	to	ADP
ajfti-3193	245	8	internal	internal	ADJ
ajfti-3193	245	9	controls	control	NOUN
ajfti-3193	245	10	and	and	CCONJ
ajfti-3193	245	11	audits	audits	NOUN
ajfti-3193	245	12	to	to	PART
ajfti-3193	245	13	develop	develop	VERB
ajfti-3193	245	14	better	well	ADJ
ajfti-3193	245	15	mechanisms	mechanism	NOUN
ajfti-3193	245	16	for	for	ADP
ajfti-3193	245	17	addressing	address	VERB
ajfti-3193	245	18	existing	exist	VERB
ajfti-3193	245	19	and	and	CCONJ
ajfti-3193	245	20	emerging	emerge	VERB
ajfti-3193	245	21	operational	operational	ADJ
ajfti-3193	245	22	risks	risk	NOUN
ajfti-3193	245	23	.	.	PUNCT
ajfti-3193	246	1	•	•	NOUN
ajfti-3193	246	2	risk	risk	NOUN
ajfti-3193	246	3	reporting	reporting	NOUN
ajfti-3193	246	4	and	and	CCONJ
ajfti-3193	246	5	communication	communication	NOUN
ajfti-3193	246	6	should	should	AUX
ajfti-3193	246	7	be	be	AUX
ajfti-3193	246	8	enhanced	enhance	VERB
ajfti-3193	246	9	within	within	ADP
ajfti-3193	246	10	the	the	DET
ajfti-3193	246	11	bank	bank	NOUN
ajfti-3193	246	12	to	to	PART
ajfti-3193	246	13	ensure	ensure	VERB
ajfti-3193	246	14	all	all	DET
ajfti-3193	246	15	concerned	concerned	ADJ
ajfti-3193	246	16	parties	party	NOUN
ajfti-3193	246	17	are	be	AUX
ajfti-3193	246	18	aware	aware	ADJ
ajfti-3193	246	19	of	of	ADP
ajfti-3193	246	20	the	the	DET
ajfti-3193	246	21	risks	risk	NOUN
ajfti-3193	246	22	and	and	CCONJ
ajfti-3193	246	23	measures	measure	NOUN
ajfti-3193	246	24	taken	take	VERB
ajfti-3193	246	25	to	to	PART
ajfti-3193	246	26	address	address	VERB
ajfti-3193	246	27	them	they	PRON
ajfti-3193	246	28	.	.	PUNCT
ajfti-3193	247	1	•	•	NOUN
ajfti-3193	247	2	risk	risk	NOUN
ajfti-3193	247	3	diversification	diversification	NOUN
ajfti-3193	247	4	means	mean	VERB
ajfti-3193	247	5	distributing	distribute	VERB
ajfti-3193	247	6	risks	risk	NOUN
ajfti-3193	247	7	so	so	SCONJ
ajfti-3193	247	8	that	that	SCONJ
ajfti-3193	247	9	they	they	PRON
ajfti-3193	247	10	have	have	VERB
ajfti-3193	247	11	minimal	minimal	ADJ
ajfti-3193	247	12	effect	effect	NOUN
ajfti-3193	247	13	on	on	ADP
ajfti-3193	247	14	the	the	DET
ajfti-3193	247	15	bank	bank	NOUN
ajfti-3193	247	16	’s	’s	PART
ajfti-3193	247	17	financial	financial	ADJ
ajfti-3193	247	18	health	health	NOUN
ajfti-3193	247	19	.	.	PUNCT
ajfti-3193	248	1	limitations	limitation	NOUN
ajfti-3193	248	2	there	there	PRON
ajfti-3193	248	3	are	be	VERB
ajfti-3193	248	4	several	several	ADJ
ajfti-3193	248	5	limitations	limitation	NOUN
ajfti-3193	248	6	in	in	ADP
ajfti-3193	248	7	the	the	DET
ajfti-3193	248	8	study	study	NOUN
ajfti-3193	248	9	that	that	PRON
ajfti-3193	248	10	are	be	AUX
ajfti-3193	248	11	worth	worth	ADJ
ajfti-3193	248	12	noting	note	VERB
ajfti-3193	248	13	.	.	PUNCT
ajfti-3193	249	1	one	one	NUM
ajfti-3193	249	2	limitation	limitation	NOUN
ajfti-3193	249	3	is	be	AUX
ajfti-3193	249	4	that	that	SCONJ
ajfti-3193	249	5	the	the	DET
ajfti-3193	249	6	current	current	ADJ
ajfti-3193	249	7	study	study	NOUN
ajfti-3193	249	8	recruited	recruit	VERB
ajfti-3193	249	9	only	only	ADV
ajfti-3193	249	10	50	50	NUM
ajfti-3193	249	11	participants	participant	NOUN
ajfti-3193	249	12	,	,	PUNCT
ajfti-3193	249	13	thus	thus	ADV
ajfti-3193	249	14	limiting	limit	VERB
ajfti-3193	249	15	the	the	DET
ajfti-3193	249	16	generalization	generalization	NOUN
ajfti-3193	249	17	of	of	ADP
ajfti-3193	249	18	the	the	DET
ajfti-3193	249	19	results	result	NOUN
ajfti-3193	249	20	to	to	ADP
ajfti-3193	249	21	all	all	DET
ajfti-3193	249	22	the	the	DET
ajfti-3193	249	23	commercial	commercial	ADJ
ajfti-3193	249	24	banks	bank	NOUN
ajfti-3193	249	25	in	in	ADP
ajfti-3193	249	26	arar	arar	PROPN
ajfti-3193	249	27	city	city	PROPN
ajfti-3193	249	28	.	.	PUNCT
ajfti-3193	250	1	however	however	ADV
ajfti-3193	250	2	,	,	PUNCT
ajfti-3193	250	3	the	the	DET
ajfti-3193	250	4	questionnaire	questionnaire	NOUN
ajfti-3193	250	5	responses	response	NOUN
ajfti-3193	250	6	might	might	AUX
ajfti-3193	250	7	have	have	VERB
ajfti-3193	250	8	self	self	NOUN
ajfti-3193	250	9	-	-	PUNCT
ajfti-3193	250	10	report	report	NOUN
ajfti-3193	250	11	bias	bias	NOUN
ajfti-3193	250	12	,	,	PUNCT
ajfti-3193	250	13	which	which	PRON
ajfti-3193	250	14	may	may	AUX
ajfti-3193	250	15	have	have	AUX
ajfti-3193	250	16	affected	affect	VERB
ajfti-3193	250	17	data	datum	NOUN
ajfti-3193	250	18	collection	collection	NOUN
ajfti-3193	250	19	accuracy	accuracy	NOUN
ajfti-3193	250	20	.	.	PUNCT
ajfti-3193	251	1	the	the	DET
ajfti-3193	251	2	cross	cross	ADJ
ajfti-3193	251	3	-	-	ADJ
ajfti-3193	251	4	sectional	sectional	ADJ
ajfti-3193	251	5	approach	approach	NOUN
ajfti-3193	251	6	also	also	ADV
ajfti-3193	251	7	restricts	restrict	VERB
ajfti-3193	251	8	the	the	DET
ajfti-3193	251	9	likelihood	likelihood	NOUN
ajfti-3193	251	10	of	of	ADP
ajfti-3193	251	11	establishing	establish	VERB
ajfti-3193	251	12	cause	cause	NOUN
ajfti-3193	251	13	-	-	PUNCT
ajfti-3193	251	14	and	and	CCONJ
ajfti-3193	251	15	-	-	PUNCT
ajfti-3193	251	16	effect	effect	NOUN
ajfti-3193	251	17	relationships	relationship	NOUN
ajfti-3193	251	18	between	between	ADP
ajfti-3193	251	19	the	the	DET
ajfti-3193	251	20	financial	financial	ADJ
ajfti-3193	251	21	risks	risk	NOUN
ajfti-3193	251	22	and	and	CCONJ
ajfti-3193	251	23	financing	finance	VERB
ajfti-3193	251	24	every	every	DET
ajfti-3193	251	25	fiscal	fiscal	ADJ
ajfti-3193	251	26	period	period	NOUN
ajfti-3193	251	27	.	.	PUNCT
ajfti-3193	252	1	in	in	ADP
ajfti-3193	252	2	addition	addition	NOUN
ajfti-3193	252	3	,	,	PUNCT
ajfti-3193	252	4	the	the	DET
ajfti-3193	252	5	cross	cross	ADJ
ajfti-3193	252	6	-	-	ADJ
ajfti-3193	252	7	sectional	sectional	ADJ
ajfti-3193	252	8	approach	approach	NOUN
ajfti-3193	252	9	and	and	CCONJ
ajfti-3193	252	10	the	the	DET
ajfti-3193	252	11	focus	focus	NOUN
ajfti-3193	252	12	on	on	ADP
ajfti-3193	252	13	a	a	DET
ajfti-3193	252	14	single	single	ADJ
ajfti-3193	252	15	quantitative	quantitative	ADJ
ajfti-3193	252	16	technique	technique	NOUN
ajfti-3193	252	17	raise	raise	VERB
ajfti-3193	252	18	the	the	DET
ajfti-3193	252	19	possibility	possibility	NOUN
ajfti-3193	252	20	of	of	ADP
ajfti-3193	252	21	missing	miss	VERB
ajfti-3193	252	22	the	the	DET
ajfti-3193	252	23	qualitative	qualitative	ADJ
ajfti-3193	252	24	aspect	aspect	NOUN
ajfti-3193	252	25	.	.	PUNCT
ajfti-3193	253	1	these	these	DET
ajfti-3193	253	2	limitations	limitation	NOUN
ajfti-3193	253	3	imply	imply	VERB
ajfti-3193	253	4	that	that	SCONJ
ajfti-3193	253	5	the	the	DET
ajfti-3193	253	6	research	research	NOUN
ajfti-3193	253	7	findings	finding	NOUN
ajfti-3193	253	8	should	should	AUX
ajfti-3193	253	9	be	be	AUX
ajfti-3193	253	10	interpreted	interpret	VERB
ajfti-3193	253	11	with	with	ADP
ajfti-3193	253	12	great	great	ADJ
ajfti-3193	253	13	care	care	NOUN
ajfti-3193	253	14	and	and	CCONJ
ajfti-3193	253	15	indicate	indicate	VERB
ajfti-3193	253	16	possibilities	possibility	NOUN
ajfti-3193	253	17	of	of	ADP
ajfti-3193	253	18	further	further	ADJ
ajfti-3193	253	19	research	research	NOUN
ajfti-3193	253	20	to	to	PART
ajfti-3193	253	21	close	close	VERB
ajfti-3193	253	22	the	the	DET
ajfti-3193	253	23	gaps	gap	NOUN
ajfti-3193	253	24	effectively	effectively	ADV
ajfti-3193	253	25	.	.	PUNCT
ajfti-3193	254	1	references	reference	NOUN
ajfti-3193	254	2	abro	abro	PROPN
ajfti-3193	254	3	,	,	PUNCT
ajfti-3193	254	4	a.	a.	NOUN
ajfti-3193	254	5	a.	a.	PROPN
ajfti-3193	254	6	,	,	PUNCT
ajfti-3193	254	7	alam	alam	PROPN
ajfti-3193	254	8	,	,	PUNCT
ajfti-3193	254	9	n.	n.	PROPN
ajfti-3193	254	10	,	,	PUNCT
ajfti-3193	254	11	murshed	murshed	ADJ
ajfti-3193	254	12	,	,	PUNCT
ajfti-3193	254	13	m.	m.	NOUN
ajfti-3193	254	14	,	,	PUNCT
ajfti-3193	254	15	mahmood	mahmood	PROPN
ajfti-3193	254	16	,	,	PUNCT
ajfti-3193	254	17	h.	h.	PROPN
ajfti-3193	254	18	,	,	PUNCT
ajfti-3193	254	19	musah	musah	NOUN
ajfti-3193	254	20	,	,	PUNCT
ajfti-3193	254	21	m.	m.	NOUN
ajfti-3193	254	22	,	,	PUNCT
ajfti-3193	254	23	&	&	CCONJ
ajfti-3193	254	24	rahman	rahman	PROPN
ajfti-3193	254	25	,	,	PUNCT
ajfti-3193	254	26	a.	a.	NOUN
ajfti-3193	254	27	a.	a.	NOUN
ajfti-3193	254	28	(	(	PUNCT
ajfti-3193	254	29	2023	2023	NUM
ajfti-3193	254	30	)	)	PUNCT
ajfti-3193	254	31	.	.	PUNCT
ajfti-3193	255	1	drivers	driver	NOUN
ajfti-3193	255	2	of	of	ADP
ajfti-3193	255	3	green	green	ADJ
ajfti-3193	255	4	growth	growth	NOUN
ajfti-3193	255	5	in	in	ADP
ajfti-3193	255	6	the	the	DET
ajfti-3193	255	7	kingdom	kingdom	NOUN
ajfti-3193	255	8	of	of	ADP
ajfti-3193	255	9	saudi	saudi	PROPN
ajfti-3193	255	10	arabia	arabia	PROPN
ajfti-3193	255	11	:	:	PUNCT
ajfti-3193	255	12	can	can	AUX
ajfti-3193	255	13	financial	financial	ADJ
ajfti-3193	255	14	development	development	NOUN
ajfti-3193	255	15	promote	promote	VERB
ajfti-3193	255	16	environmentally	environmentally	ADV
ajfti-3193	255	17	sustainable	sustainable	ADJ
ajfti-3193	255	18	economic	economic	ADJ
ajfti-3193	255	19	growth	growth	NOUN
ajfti-3193	255	20	?	?	PUNCT
ajfti-3193	256	1	environmental	environmental	ADJ
ajfti-3193	256	2	science	science	NOUN
ajfti-3193	256	3	and	and	CCONJ
ajfti-3193	256	4	pollution	pollution	NOUN
ajfti-3193	256	5	research	research	NOUN
ajfti-3193	256	6	,	,	PUNCT
ajfti-3193	256	7	30(9	30(9	NUM
ajfti-3193	256	8	)	)	PUNCT
ajfti-3193	256	9	,	,	PUNCT
ajfti-3193	256	10	23764	23764	NUM
ajfti-3193	256	11	-	-	SYM
ajfti-3193	256	12	23780	23780	NUM
ajfti-3193	256	13	.	.	PUNCT
ajfti-3193	257	1	abualsauod	abualsauod	PROPN
ajfti-3193	257	2	,	,	PUNCT
ajfti-3193	257	3	e.	e.	PROPN
ajfti-3193	257	4	h.	h.	PROPN
ajfti-3193	257	5	,	,	PUNCT
ajfti-3193	257	6	&	&	CCONJ
ajfti-3193	257	7	othman	othman	PROPN
ajfti-3193	257	8	,	,	PUNCT
ajfti-3193	257	9	a.	a.	NOUN
ajfti-3193	257	10	m.	m.	NOUN
ajfti-3193	257	11	(	(	PUNCT
ajfti-3193	257	12	2020	2020	NUM
ajfti-3193	257	13	)	)	PUNCT
ajfti-3193	257	14	.	.	PUNCT
ajfti-3193	258	1	a	a	DET
ajfti-3193	258	2	study	study	NOUN
ajfti-3193	258	3	of	of	ADP
ajfti-3193	258	4	the	the	DET
ajfti-3193	258	5	effects	effect	NOUN
ajfti-3193	258	6	of	of	ADP
ajfti-3193	258	7	online	online	ADJ
ajfti-3193	258	8	banking	banking	NOUN
ajfti-3193	258	9	quality	quality	NOUN
ajfti-3193	258	10	gaps	gap	NOUN
ajfti-3193	258	11	on	on	ADP
ajfti-3193	258	12	customers	customer	NOUN
ajfti-3193	258	13	’	’	PART
ajfti-3193	258	14	perception	perception	NOUN
ajfti-3193	258	15	in	in	ADP
ajfti-3193	258	16	saudi	saudi	PROPN
ajfti-3193	258	17	arabia	arabia	PROPN
ajfti-3193	258	18	.	.	PUNCT
ajfti-3193	259	1	journal	journal	PROPN
ajfti-3193	259	2	of	of	ADP
ajfti-3193	259	3	king	king	PROPN
ajfti-3193	259	4	saud	saud	PROPN
ajfti-3193	259	5	university	university	PROPN
ajfti-3193	259	6	-	-	PUNCT
ajfti-3193	259	7	engineering	engineering	NOUN
ajfti-3193	259	8	sciences	science	NOUN
ajfti-3193	259	9	,	,	PUNCT
ajfti-3193	259	10	32(8	32(8	NUM
ajfti-3193	259	11	)	)	PUNCT
ajfti-3193	259	12	,	,	PUNCT
ajfti-3193	259	13	536	536	NUM
ajfti-3193	259	14	-	-	SYM
ajfti-3193	259	15	542	542	NUM
ajfti-3193	259	16	.	.	PUNCT
ajfti-3193	260	1	acharya	acharya	PROPN
ajfti-3193	260	2	,	,	PUNCT
ajfti-3193	260	3	v.	v.	PROPN
ajfti-3193	260	4	v.	v.	ADP
ajfti-3193	260	5	,	,	PUNCT
ajfti-3193	260	6	berger	berger	PROPN
ajfti-3193	260	7	,	,	PUNCT
ajfti-3193	260	8	a.	a.	PROPN
ajfti-3193	260	9	n.	n.	PROPN
ajfti-3193	260	10	,	,	PUNCT
ajfti-3193	260	11	&	&	CCONJ
ajfti-3193	260	12	roman	roman	PROPN
ajfti-3193	260	13	,	,	PUNCT
ajfti-3193	260	14	r.	r.	PROPN
ajfti-3193	260	15	a.	a.	PROPN
ajfti-3193	260	16	(	(	PUNCT
ajfti-3193	260	17	2018	2018	NUM
ajfti-3193	260	18	)	)	PUNCT
ajfti-3193	260	19	.	.	PUNCT
ajfti-3193	261	1	lending	lending	NOUN
ajfti-3193	261	2	implications	implication	NOUN
ajfti-3193	261	3	of	of	ADP
ajfti-3193	261	4	us	us	PROPN
ajfti-3193	261	5	bank	bank	NOUN
ajfti-3193	261	6	stress	stress	NOUN
ajfti-3193	261	7	tests	test	NOUN
ajfti-3193	261	8	:	:	PUNCT
ajfti-3193	261	9	costs	cost	NOUN
ajfti-3193	261	10	or	or	CCONJ
ajfti-3193	261	11	benefits	benefit	NOUN
ajfti-3193	261	12	?	?	PUNCT
ajfti-3193	262	1	journal	journal	NOUN
ajfti-3193	262	2	of	of	ADP
ajfti-3193	262	3	financial	financial	ADJ
ajfti-3193	262	4	intermediation	intermediation	NOUN
ajfti-3193	262	5	,	,	PUNCT
ajfti-3193	262	6	34	34	NUM
ajfti-3193	262	7	,	,	PUNCT
ajfti-3193	262	8	5890	5890	NUM
ajfti-3193	262	9	.	.	PUNCT
ajfti-3193	263	1	ai	ai	PROPN
ajfti-3193	263	2	,	,	PUNCT
ajfti-3193	263	3	h.	h.	PROPN
ajfti-3193	263	4	,	,	PUNCT
ajfti-3193	263	5	frank	frank	PROPN
ajfti-3193	263	6	,	,	PUNCT
ajfti-3193	263	7	m.	m.	NOUN
ajfti-3193	263	8	z.	z.	PROPN
ajfti-3193	263	9	,	,	PUNCT
ajfti-3193	263	10	&	&	CCONJ
ajfti-3193	263	11	sanati	sanati	PROPN
ajfti-3193	263	12	,	,	PUNCT
ajfti-3193	263	13	a.	a.	NOUN
ajfti-3193	263	14	(	(	PUNCT
ajfti-3193	263	15	2020	2020	NUM
ajfti-3193	263	16	)	)	PUNCT
ajfti-3193	263	17	.	.	PUNCT
ajfti-3193	264	1	the	the	DET
ajfti-3193	264	2	tradeoff	tradeoff	NOUN
ajfti-3193	264	3	theory	theory	NOUN
ajfti-3193	264	4	of	of	ADP
ajfti-3193	264	5	corporate	corporate	ADJ
ajfti-3193	264	6	capital	capital	NOUN
ajfti-3193	264	7	structure	structure	NOUN
ajfti-3193	264	8	.	.	PUNCT
ajfti-3193	265	1	al	al	PROPN
ajfti-3193	265	2	-	-	PUNCT
ajfti-3193	265	3	najjar	najjar	PROPN
ajfti-3193	265	4	,	,	PUNCT
ajfti-3193	265	5	d.	d.	PROPN
ajfti-3193	265	6	,	,	PUNCT
ajfti-3193	265	7	&	&	CCONJ
ajfti-3193	265	8	assous	assous	ADJ
ajfti-3193	265	9	,	,	PUNCT
ajfti-3193	265	10	h.	h.	PROPN
ajfti-3193	265	11	f.	f.	PROPN
ajfti-3193	265	12	(	(	PUNCT
ajfti-3193	265	13	2021	2021	NUM
ajfti-3193	265	14	)	)	PUNCT
ajfti-3193	265	15	.	.	PUNCT
ajfti-3193	266	1	key	key	ADJ
ajfti-3193	266	2	determinants	determinant	NOUN
ajfti-3193	266	3	of	of	ADP
ajfti-3193	266	4	deposit	deposit	NOUN
ajfti-3193	266	5	volume	volume	NOUN
ajfti-3193	266	6	using	use	VERB
ajfti-3193	266	7	camel	camel	NOUN
ajfti-3193	266	8	rating	rating	NOUN
ajfti-3193	266	9	system	system	NOUN
ajfti-3193	266	10	:	:	PUNCT
ajfti-3193	266	11	the	the	DET
ajfti-3193	266	12	case	case	NOUN
ajfti-3193	266	13	of	of	ADP
ajfti-3193	266	14	saudi	saudi	ADJ
ajfti-3193	266	15	banks	bank	NOUN
ajfti-3193	266	16	.	.	PUNCT
ajfti-3193	267	1	plos	plos	PROPN
ajfti-3193	267	2	one	one	NUM
ajfti-3193	267	3	,	,	PUNCT
ajfti-3193	267	4	16(12	16(12	NUM
ajfti-3193	267	5	)	)	PUNCT
ajfti-3193	267	6	,	,	PUNCT
ajfti-3193	267	7	e0261184	e0261184	NOUN
ajfti-3193	267	8	.	.	PUNCT
ajfti-3193	268	1	al	al	PROPN
ajfti-3193	268	2	matari	matari	PROPN
ajfti-3193	268	3	,	,	PUNCT
ajfti-3193	268	4	e.	e.	PROPN
ajfti-3193	268	5	m.	m.	PROPN
ajfti-3193	268	6	,	,	PUNCT
ajfti-3193	268	7	&	&	CCONJ
ajfti-3193	268	8	mgammal	mgammal	NOUN
ajfti-3193	268	9	,	,	PUNCT
ajfti-3193	268	10	m.	m.	NOUN
ajfti-3193	268	11	h.	h.	PROPN
ajfti-3193	268	12	(	(	PUNCT
ajfti-3193	268	13	2019	2019	NUM
ajfti-3193	268	14	)	)	PUNCT
ajfti-3193	268	15	.	.	PUNCT
ajfti-3193	269	1	the	the	DET
ajfti-3193	269	2	moderating	moderate	VERB
ajfti-3193	269	3	effect	effect	NOUN
ajfti-3193	269	4	of	of	ADP
ajfti-3193	269	5	internal	internal	ADJ
ajfti-3193	269	6	audit	audit	NOUN
ajfti-3193	269	7	on	on	ADP
ajfti-3193	269	8	the	the	DET
ajfti-3193	269	9	relationship	relationship	NOUN
ajfti-3193	269	10	between	between	ADP
ajfti-3193	269	11	corporate	corporate	ADJ
ajfti-3193	269	12	governance	governance	NOUN
ajfti-3193	269	13	mechanisms	mechanism	NOUN
ajfti-3193	269	14	and	and	CCONJ
ajfti-3193	269	15	corporate	corporate	ADJ
ajfti-3193	269	16	performance	performance	NOUN
ajfti-3193	269	17	among	among	ADP
ajfti-3193	269	18	saudi	saudi	PROPN
ajfti-3193	269	19	arabia	arabia	PROPN
ajfti-3193	269	20	listed	list	VERB
ajfti-3193	269	21	companies	company	NOUN
ajfti-3193	269	22	.	.	PUNCT
ajfti-3193	270	1	contaduría	contaduría	VERB
ajfti-3193	270	2	y	y	PROPN
ajfti-3193	270	3	administración	administración	PROPN
ajfti-3193	270	4	,	,	PUNCT
ajfti-3193	270	5	64(4	64(4	NOUN
ajfti-3193	270	6	)	)	PUNCT
ajfti-3193	270	7	,	,	PUNCT
ajfti-3193	270	8	9	9	NUM
ajfti-3193	270	9	.	.	PUNCT
ajfti-3193	271	1	alaagam	alaagam	ADV
ajfti-3193	271	2	,	,	PUNCT
ajfti-3193	271	3	a.	a.	NOUN
ajfti-3193	271	4	(	(	PUNCT
ajfti-3193	271	5	2019	2019	NUM
ajfti-3193	271	6	)	)	PUNCT
ajfti-3193	271	7	.	.	PUNCT
ajfti-3193	272	1	the	the	DET
ajfti-3193	272	2	relationship	relationship	NOUN
ajfti-3193	272	3	between	between	ADP
ajfti-3193	272	4	profitability	profitability	NOUN
ajfti-3193	272	5	and	and	CCONJ
ajfti-3193	272	6	stock	stock	NOUN
ajfti-3193	272	7	prices	price	NOUN
ajfti-3193	272	8	:	:	PUNCT
ajfti-3193	272	9	evidence	evidence	NOUN
ajfti-3193	272	10	from	from	ADP
ajfti-3193	272	11	the	the	DET
ajfti-3193	272	12	saudi	saudi	ADJ
ajfti-3193	272	13	banking	banking	NOUN
ajfti-3193	272	14	sector	sector	NOUN
ajfti-3193	272	15	.	.	PUNCT
ajfti-3193	273	1	research	research	NOUN
ajfti-3193	273	2	journal	journal	PROPN
ajfti-3193	273	3	of	of	ADP
ajfti-3193	273	4	finance	finance	NOUN
ajfti-3193	273	5	and	and	CCONJ
ajfti-3193	273	6	accounting	accounting	NOUN
ajfti-3193	273	7	,	,	PUNCT
ajfti-3193	273	8	10(14	10(14	NUM
ajfti-3193	273	9	)	)	PUNCT
ajfti-3193	273	10	.	.	PUNCT
ajfti-3193	274	1	alali	alali	PROPN
ajfti-3193	274	2	,	,	PUNCT
ajfti-3193	274	3	h.	h.	PROPN
ajfti-3193	274	4	,	,	PUNCT
ajfti-3193	274	5	&	&	CCONJ
ajfti-3193	274	6	haddad	haddad	PROPN
ajfti-3193	274	7	,	,	PUNCT
ajfti-3193	274	8	a.	a.	PROPN
ajfti-3193	274	9	e.	e.	PROPN
ajfti-3193	274	10	(	(	PUNCT
ajfti-3193	274	11	2023	2023	NUM
ajfti-3193	274	12	)	)	PUNCT
ajfti-3193	274	13	.	.	PUNCT
ajfti-3193	275	1	gcc	gcc	NOUN
ajfti-3193	275	2	banking	banking	NOUN
ajfti-3193	275	3	companies	company	NOUN
ajfti-3193	275	4	’	’	PART
ajfti-3193	275	5	risk	risk	NOUN
ajfti-3193	275	6	management	management	NOUN
ajfti-3193	275	7	practices	practice	NOUN
ajfti-3193	275	8	and	and	CCONJ
ajfti-3193	275	9	their	their	PRON
ajfti-3193	275	10	impact	impact	NOUN
ajfti-3193	275	11	on	on	ADP
ajfti-3193	275	12	financial	financial	ADJ
ajfti-3193	275	13	performance	performance	NOUN
ajfti-3193	275	14	.	.	PUNCT
ajfti-3193	276	1	global	global	ADJ
ajfti-3193	276	2	business	business	PROPN
ajfti-3193	276	3	review	review	PROPN
ajfti-3193	276	4	.	.	PUNCT
ajfti-3193	277	1	https://doi.org/10.1177/09721509231197718	https://doi.org/10.1177/09721509231197718	PUNCT
ajfti-3193	277	2	alexander	alexander	PROPN
ajfti-3193	277	3	,	,	PUNCT
ajfti-3193	277	4	k.	k.	PROPN
ajfti-3193	277	5	(	(	PUNCT
ajfti-3193	277	6	2015	2015	NUM
ajfti-3193	277	7	)	)	PUNCT
ajfti-3193	277	8	.	.	PUNCT
ajfti-3193	278	1	the	the	DET
ajfti-3193	278	2	role	role	NOUN
ajfti-3193	278	3	of	of	ADP
ajfti-3193	278	4	capital	capital	NOUN
ajfti-3193	278	5	in	in	ADP
ajfti-3193	278	6	supporting	support	VERB
ajfti-3193	278	7	banking	banking	NOUN
ajfti-3193	278	8	stability	stability	NOUN
ajfti-3193	278	9	.	.	PUNCT
ajfti-3193	279	1	in	in	ADP
ajfti-3193	279	2	the	the	DET
ajfti-3193	279	3	oxford	oxford	PROPN
ajfti-3193	279	4	handbook	handbook	NOUN
ajfti-3193	279	5	of	of	ADP
ajfti-3193	279	6	financial	financial	ADJ
ajfti-3193	279	7	regulation	regulation	NOUN
ajfti-3193	279	8	(	(	PUNCT
ajfti-3193	279	9	pp	pp	ADJ
ajfti-3193	279	10	.	.	PUNCT
ajfti-3193	280	1	334	334	NUM
ajfti-3193	280	2	-	-	SYM
ajfti-3193	280	3	363	363	NUM
ajfti-3193	280	4	)	)	PUNCT
ajfti-3193	280	5	.	.	PUNCT
ajfti-3193	281	1	oxford	oxford	PROPN
ajfti-3193	281	2	university	university	PROPN
ajfti-3193	281	3	press	press	NOUN
ajfti-3193	281	4	.	.	PUNCT
ajfti-3193	282	1	almoneef	almoneef	PROPN
ajfti-3193	282	2	,	,	PUNCT
ajfti-3193	282	3	a.	a.	PROPN
ajfti-3193	282	4	,	,	PUNCT
ajfti-3193	282	5	&	&	CCONJ
ajfti-3193	282	6	samontaray	samontaray	VERB
ajfti-3193	282	7	,	,	PUNCT
ajfti-3193	282	8	d.	d.	PROPN
ajfti-3193	282	9	p.	p.	PROPN
ajfti-3193	282	10	(	(	PUNCT
ajfti-3193	282	11	2019	2019	NUM
ajfti-3193	282	12	)	)	PUNCT
ajfti-3193	282	13	.	.	PUNCT
ajfti-3193	283	1	corporate	corporate	ADJ
ajfti-3193	283	2	governance	governance	NOUN
ajfti-3193	283	3	and	and	CCONJ
ajfti-3193	283	4	firm	firm	ADJ
ajfti-3193	283	5	performance	performance	NOUN
ajfti-3193	283	6	in	in	ADP
ajfti-3193	283	7	the	the	DET
ajfti-3193	283	8	saudi	saudi	ADJ
ajfti-3193	283	9	banking	banking	NOUN
ajfti-3193	283	10	industry	industry	NOUN
ajfti-3193	283	11	.	.	PUNCT
ajfti-3193	284	1	banks	bank	NOUN
ajfti-3193	284	2	&	&	CCONJ
ajfti-3193	284	3	bank	bank	PROPN
ajfti-3193	284	4	systems	system	NOUN
ajfti-3193	284	5	,	,	PUNCT
ajfti-3193	284	6	14(1	14(1	NUM
ajfti-3193	284	7	)	)	PUNCT
ajfti-3193	284	8	,	,	PUNCT
ajfti-3193	284	9	147158	147158	NUM
ajfti-3193	284	10	.	.	PUNCT
ajfti-3193	285	1	alsahlawi	alsahlawi	PROPN
ajfti-3193	285	2	,	,	PUNCT
ajfti-3193	285	3	a.	a.	NOUN
ajfti-3193	285	4	m.	m.	NOUN
ajfti-3193	285	5	(	(	PUNCT
ajfti-3193	285	6	2021	2021	NUM
ajfti-3193	285	7	)	)	PUNCT
ajfti-3193	285	8	.	.	PUNCT
ajfti-3193	286	1	the	the	DET
ajfti-3193	286	2	role	role	NOUN
ajfti-3193	286	3	of	of	ADP
ajfti-3193	286	4	hedging	hedging	NOUN
ajfti-3193	286	5	and	and	CCONJ
ajfti-3193	286	6	derivatives	derivative	NOUN
ajfti-3193	286	7	techniques	technique	NOUN
ajfti-3193	286	8	and	and	CCONJ
ajfti-3193	286	9	fintech	fintech	NOUN
ajfti-3193	286	10	adoption	adoption	NOUN
ajfti-3193	286	11	on	on	ADP
ajfti-3193	286	12	financial	financial	ADJ
ajfti-3193	286	13	risk	risk	NOUN
ajfti-3193	286	14	management	management	NOUN
ajfti-3193	286	15	in	in	ADP
ajfti-3193	286	16	saudi	saudi	ADJ
ajfti-3193	286	17	banks	bank	NOUN
ajfti-3193	286	18	.	.	PUNCT
ajfti-3193	287	1	cuadernos	cuadernos	PROPN
ajfti-3193	287	2	de	de	PROPN
ajfti-3193	287	3	economía	economía	PROPN
ajfti-3193	287	4	,	,	PUNCT
ajfti-3193	287	5	44(126	44(126	PROPN
ajfti-3193	287	6	)	)	PUNCT
ajfti-3193	287	7	,	,	PUNCT
ajfti-3193	287	8	10	10	NUM
ajfti-3193	287	9	-	-	SYM
ajfti-3193	287	10	22	22	NUM
ajfti-3193	287	11	.	.	PUNCT
ajfti-3193	288	1	alshebmi	alshebmi	PROPN
ajfti-3193	288	2	,	,	PUNCT
ajfti-3193	288	3	a.	a.	PROPN
ajfti-3193	288	4	s.	s.	PROPN
ajfti-3193	288	5	,	,	PUNCT
ajfti-3193	288	6	adam	adam	PROPN
ajfti-3193	288	7	,	,	PUNCT
ajfti-3193	288	8	m.	m.	NOUN
ajfti-3193	288	9	h.	h.	PROPN
ajfti-3193	288	10	m.	m.	PROPN
ajfti-3193	288	11	,	,	PUNCT
ajfti-3193	288	12	mustafa	mustafa	PROPN
ajfti-3193	288	13	,	,	PUNCT
ajfti-3193	288	14	a.	a.	PROPN
ajfti-3193	288	15	,	,	PUNCT
ajfti-3193	288	16	&	&	CCONJ
ajfti-3193	288	17	abdelmaksoud	abdelmaksoud	PROPN
ajfti-3193	288	18	,	,	PUNCT
ajfti-3193	288	19	m.	m.	NOUN
ajfti-3193	288	20	(	(	PUNCT
ajfti-3193	288	21	2020	2020	NUM
ajfti-3193	288	22	)	)	PUNCT
ajfti-3193	288	23	.	.	PUNCT
ajfti-3193	289	1	assessing	assess	VERB
ajfti-3193	289	2	the	the	DET
ajfti-3193	289	3	nonperforming	nonperforme	VERB
ajfti-3193	289	4	loans	loan	NOUN
ajfti-3193	289	5	and	and	CCONJ
ajfti-3193	289	6	their	their	PRON
ajfti-3193	289	7	effect	effect	NOUN
ajfti-3193	289	8	on	on	ADP
ajfti-3193	289	9	banks	bank	NOUN
ajfti-3193	289	10	profitability	profitability	NOUN
ajfti-3193	289	11	:	:	PUNCT
ajfti-3193	289	12	empirical	empirical	ADJ
ajfti-3193	289	13	evidence	evidence	NOUN
ajfti-3193	289	14	from	from	ADP
ajfti-3193	289	15	the	the	DET
ajfti-3193	289	16	saudi	saudi	PROPN
ajfti-3193	289	17	arabia	arabia	PROPN
ajfti-3193	289	18	banking	banking	NOUN
ajfti-3193	289	19	sector	sector	NOUN
ajfti-3193	289	20	.	.	PUNCT
ajfti-3193	290	1	international	international	ADJ
ajfti-3193	290	2	journal	journal	PROPN
ajfti-3193	290	3	of	of	ADP
ajfti-3193	290	4	innovation	innovation	NOUN
ajfti-3193	290	5	,	,	PUNCT
ajfti-3193	290	6	creativity	creativity	NOUN
ajfti-3193	290	7	and	and	CCONJ
ajfti-3193	290	8	change	change	NOUN
ajfti-3193	290	9	,	,	PUNCT
ajfti-3193	290	10	11(8	11(8	NUM
ajfti-3193	290	11	)	)	PUNCT
ajfti-3193	290	12	,	,	PUNCT
ajfti-3193	290	13	69	69	NUM
ajfti-3193	290	14	-	-	SYM
ajfti-3193	290	15	93	93	NUM
ajfti-3193	290	16	.	.	PUNCT
ajfti-3193	291	1	arslan	arslan	PROPN
ajfti-3193	291	2	,	,	PUNCT
ajfti-3193	291	3	i.	i.	PROPN
ajfti-3193	291	4	,	,	PUNCT
ajfti-3193	291	5	bozgeyik	bozgeyik	NOUN
ajfti-3193	291	6	,	,	PUNCT
ajfti-3193	291	7	y.	y.	PROPN
ajfti-3193	291	8	,	,	PUNCT
ajfti-3193	291	9	&	&	CCONJ
ajfti-3193	291	10	al	al	PROPN
ajfti-3193	291	11	-	-	PUNCT
ajfti-3193	291	12	azaki	azaki	PROPN
ajfti-3193	291	13	,	,	PUNCT
ajfti-3193	291	14	z.	z.	PROPN
ajfti-3193	291	15	(	(	PUNCT
ajfti-3193	291	16	2019	2019	NUM
ajfti-3193	291	17	)	)	PUNCT
ajfti-3193	291	18	.	.	PUNCT
ajfti-3193	292	1	the	the	DET
ajfti-3193	292	2	role	role	NOUN
ajfti-3193	292	3	of	of	ADP
ajfti-3193	292	4	bank	bank	NOUN
ajfti-3193	292	5	credit	credit	NOUN
ajfti-3193	292	6	in	in	ADP
ajfti-3193	292	7	kuwait	kuwait	PROPN
ajfti-3193	292	8	’s	’s	PART
ajfti-3193	292	9	economic	economic	ADJ
ajfti-3193	292	10	growth	growth	NOUN
ajfti-3193	292	11	.	.	PUNCT
ajfti-3193	293	1	pa	pa	PROPN
ajfti-3193	293	2	ge	ge	PROPN
ajfti-3193	293	3	42	42	NUM
ajfti-3193	293	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	293	5	am	be	AUX
ajfti-3193	293	6	.	.	PUNCT
ajfti-3193	294	1	j.	j.	PROPN
ajfti-3193	294	2	financ	financ	PROPN
ajfti-3193	294	3	.	.	PUNCT
ajfti-3193	295	1	technol	technol	PROPN
ajfti-3193	295	2	.	.	PUNCT
ajfti-3193	295	3	innov	innov	PROPN
ajfti-3193	295	4	.	.	PUNCT
ajfti-3193	296	1	2(1	2(1	NUM
ajfti-3193	296	2	)	)	PUNCT
ajfti-3193	296	3	33	33	NUM
ajfti-3193	296	4	-	-	SYM
ajfti-3193	296	5	43	43	NUM
ajfti-3193	296	6	,	,	PUNCT
ajfti-3193	296	7	2024	2024	NUM
ajfti-3193	296	8	international	international	ADJ
ajfti-3193	296	9	journal	journal	NOUN
ajfti-3193	296	10	of	of	ADP
ajfti-3193	296	11	academic	academic	ADJ
ajfti-3193	296	12	research	research	NOUN
ajfti-3193	296	13	in	in	ADP
ajfti-3193	296	14	business	business	NOUN
ajfti-3193	296	15	and	and	CCONJ
ajfti-3193	296	16	social	social	ADJ
ajfti-3193	296	17	sciences	science	NOUN
ajfti-3193	296	18	,	,	PUNCT
ajfti-3193	296	19	9(2	9(2	NUM
ajfti-3193	296	20	)	)	PUNCT
ajfti-3193	296	21	.	.	PUNCT
ajfti-3193	297	1	al	al	PROPN
ajfti-3193	297	2	-	-	PUNCT
ajfti-3193	297	3	hassan	hassan	PROPN
ajfti-3193	297	4	,	,	PUNCT
ajfti-3193	297	5	a.	a.	PROPN
ajfti-3193	297	6	,	,	PUNCT
ajfti-3193	297	7	khamis	khamis	PROPN
ajfti-3193	297	8	,	,	PUNCT
ajfti-3193	297	9	m.	m.	NOUN
ajfti-3193	297	10	,	,	PUNCT
ajfti-3193	297	11	&	&	CCONJ
ajfti-3193	297	12	oulidi	oulidi	PROPN
ajfti-3193	297	13	,	,	PUNCT
ajfti-3193	297	14	h.	h.	PROPN
ajfti-3193	297	15	(	(	PUNCT
ajfti-3193	297	16	2020	2020	NUM
ajfti-3193	297	17	)	)	PUNCT
ajfti-3193	297	18	.	.	PUNCT
ajfti-3193	298	1	banking	banking	NOUN
ajfti-3193	298	2	sector	sector	NOUN
ajfti-3193	298	3	regulation	regulation	NOUN
ajfti-3193	298	4	and	and	CCONJ
ajfti-3193	298	5	supervision	supervision	NOUN
ajfti-3193	298	6	in	in	ADP
ajfti-3193	298	7	saudi	saudi	PROPN
ajfti-3193	298	8	arabia	arabia	PROPN
ajfti-3193	298	9	.	.	PUNCT
ajfti-3193	299	1	journal	journal	PROPN
ajfti-3193	299	2	of	of	ADP
ajfti-3193	299	3	financial	financial	ADJ
ajfti-3193	299	4	regulation	regulation	NOUN
ajfti-3193	299	5	and	and	CCONJ
ajfti-3193	299	6	compliance	compliance	NOUN
ajfti-3193	299	7	.	.	PUNCT
ajfti-3193	300	1	almazari	almazari	PROPN
ajfti-3193	300	2	,	,	PUNCT
ajfti-3193	300	3	a.	a.	NOUN
ajfti-3193	300	4	a.	a.	NOUN
ajfti-3193	300	5	(	(	PUNCT
ajfti-3193	300	6	2018	2018	NUM
ajfti-3193	300	7	)	)	PUNCT
ajfti-3193	300	8	.	.	PUNCT
ajfti-3193	301	1	impact	impact	NOUN
ajfti-3193	301	2	of	of	ADP
ajfti-3193	301	3	basel	basel	PROPN
ajfti-3193	301	4	iii	iii	PROPN
ajfti-3193	301	5	on	on	ADP
ajfti-3193	301	6	saudi	saudi	ADJ
ajfti-3193	301	7	banks	bank	NOUN
ajfti-3193	301	8	’	'	PUNCT
ajfti-3193	301	9	performance	performance	NOUN
ajfti-3193	301	10	.	.	PUNCT
ajfti-3193	302	1	international	international	ADJ
ajfti-3193	302	2	journal	journal	PROPN
ajfti-3193	302	3	of	of	ADP
ajfti-3193	302	4	economics	economic	NOUN
ajfti-3193	302	5	and	and	CCONJ
ajfti-3193	302	6	financial	financial	ADJ
ajfti-3193	302	7	issues	issue	NOUN
ajfti-3193	302	8	.	.	PUNCT
ajfti-3193	303	1	alkhatib	alkhatib	PROPN
ajfti-3193	303	2	,	,	PUNCT
ajfti-3193	303	3	a.	a.	NOUN
ajfti-3193	303	4	(	(	PUNCT
ajfti-3193	303	5	2018	2018	NUM
ajfti-3193	303	6	)	)	PUNCT
ajfti-3193	303	7	.	.	PUNCT
ajfti-3193	304	1	financial	financial	ADJ
ajfti-3193	304	2	inclusion	inclusion	NOUN
ajfti-3193	304	3	in	in	ADP
ajfti-3193	304	4	the	the	DET
ajfti-3193	304	5	middle	middle	PROPN
ajfti-3193	304	6	east	east	PROPN
ajfti-3193	304	7	and	and	CCONJ
ajfti-3193	304	8	north	north	PROPN
ajfti-3193	304	9	africa	africa	PROPN
ajfti-3193	304	10	.	.	PUNCT
ajfti-3193	305	1	world	world	PROPN
ajfti-3193	305	2	bank	bank	PROPN
ajfti-3193	305	3	publications	publication	NOUN
ajfti-3193	305	4	.	.	PUNCT
ajfti-3193	306	1	aldeen	aldeen	PROPN
ajfti-3193	306	2	,	,	PUNCT
ajfti-3193	306	3	m.	m.	NOUN
ajfti-3193	306	4	(	(	PUNCT
ajfti-3193	306	5	2020	2020	NUM
ajfti-3193	306	6	)	)	PUNCT
ajfti-3193	306	7	.	.	PUNCT
ajfti-3193	307	1	competitive	competitive	ADJ
ajfti-3193	307	2	strategies	strategy	NOUN
ajfti-3193	307	3	in	in	ADP
ajfti-3193	307	4	saudi	saudi	PROPN
ajfti-3193	307	5	arabia	arabia	PROPN
ajfti-3193	307	6	’s	’s	PART
ajfti-3193	307	7	banking	banking	NOUN
ajfti-3193	307	8	sector	sector	NOUN
ajfti-3193	307	9	.	.	PUNCT
ajfti-3193	308	1	journal	journal	NOUN
ajfti-3193	308	2	of	of	ADP
ajfti-3193	308	3	banking	banking	NOUN
ajfti-3193	308	4	&	&	CCONJ
ajfti-3193	308	5	finance	finance	PROPN
ajfti-3193	308	6	.	.	PUNCT
ajfti-3193	309	1	alanazi	alanazi	PROPN
ajfti-3193	309	2	,	,	PUNCT
ajfti-3193	309	3	s.	s.	PROPN
ajfti-3193	309	4	t.	t.	PROPN
ajfti-3193	309	5	,	,	PUNCT
ajfti-3193	309	6	anbar	anbar	NOUN
ajfti-3193	309	7	,	,	PUNCT
ajfti-3193	309	8	m.	m.	NOUN
ajfti-3193	309	9	,	,	PUNCT
ajfti-3193	309	10	ebad	ebad	PROPN
ajfti-3193	309	11	,	,	PUNCT
ajfti-3193	309	12	s.	s.	PROPN
ajfti-3193	309	13	a.	a.	PROPN
ajfti-3193	309	14	,	,	PUNCT
ajfti-3193	309	15	karuppayah	karuppayah	PROPN
ajfti-3193	309	16	,	,	PUNCT
ajfti-3193	309	17	s.	s.	PROPN
ajfti-3193	309	18	,	,	PUNCT
ajfti-3193	309	19	&	&	CCONJ
ajfti-3193	309	20	al	al	PROPN
ajfti-3193	309	21	-	-	PUNCT
ajfti-3193	309	22	ani	ani	PROPN
ajfti-3193	309	23	,	,	PUNCT
ajfti-3193	309	24	h.	h.	PROPN
ajfti-3193	309	25	a.	a.	PROPN
ajfti-3193	309	26	(	(	PUNCT
ajfti-3193	309	27	2020	2020	NUM
ajfti-3193	309	28	)	)	PUNCT
ajfti-3193	309	29	.	.	PUNCT
ajfti-3193	310	1	theory	theory	NOUN
ajfti-3193	310	2	-	-	PUNCT
ajfti-3193	310	3	based	base	VERB
ajfti-3193	310	4	model	model	NOUN
ajfti-3193	310	5	and	and	CCONJ
ajfti-3193	310	6	prediction	prediction	NOUN
ajfti-3193	310	7	analysis	analysis	NOUN
ajfti-3193	310	8	of	of	ADP
ajfti-3193	310	9	information	information	NOUN
ajfti-3193	310	10	security	security	NOUN
ajfti-3193	310	11	compliance	compliance	NOUN
ajfti-3193	310	12	behaviour	behaviour	NOUN
ajfti-3193	310	13	in	in	ADP
ajfti-3193	310	14	the	the	DET
ajfti-3193	310	15	saudi	saudi	ADJ
ajfti-3193	310	16	healthcare	healthcare	NOUN
ajfti-3193	310	17	sector	sector	NOUN
ajfti-3193	310	18	.	.	PUNCT
ajfti-3193	311	1	symmetry	symmetry	NOUN
ajfti-3193	311	2	,	,	PUNCT
ajfti-3193	311	3	12(9	12(9	NUM
ajfti-3193	311	4	)	)	PUNCT
ajfti-3193	311	5	,	,	PUNCT
ajfti-3193	311	6	1544	1544	NUM
ajfti-3193	311	7	.	.	PUNCT
ajfti-3193	312	1	babazadeh	babazadeh	PROPN
ajfti-3193	312	2	,	,	PUNCT
ajfti-3193	312	3	h.	h.	PROPN
ajfti-3193	312	4	,	,	PUNCT
ajfti-3193	312	5	&	&	CCONJ
ajfti-3193	312	6	esfahanipour	esfahanipour	PROPN
ajfti-3193	312	7	,	,	PUNCT
ajfti-3193	312	8	a.	a.	NOUN
ajfti-3193	312	9	(	(	PUNCT
ajfti-3193	312	10	2019	2019	NUM
ajfti-3193	312	11	)	)	PUNCT
ajfti-3193	312	12	.	.	PUNCT
ajfti-3193	313	1	a	a	DET
ajfti-3193	313	2	novel	novel	ADJ
ajfti-3193	313	3	multi	multi	ADJ
ajfti-3193	313	4	-	-	NOUN
ajfti-3193	313	5	period	period	ADJ
ajfti-3193	313	6	mean	mean	ADJ
ajfti-3193	313	7	-	-	PUNCT
ajfti-3193	313	8	var	var	NOUN
ajfti-3193	313	9	portfolio	portfolio	NOUN
ajfti-3193	313	10	optimization	optimization	NOUN
ajfti-3193	313	11	model	model	NOUN
ajfti-3193	313	12	considering	consider	VERB
ajfti-3193	313	13	practical	practical	ADJ
ajfti-3193	313	14	constraints	constraint	NOUN
ajfti-3193	313	15	and	and	CCONJ
ajfti-3193	313	16	transaction	transaction	NOUN
ajfti-3193	313	17	cost	cost	NOUN
ajfti-3193	313	18	.	.	PUNCT
ajfti-3193	314	1	journal	journal	NOUN
ajfti-3193	314	2	of	of	ADP
ajfti-3193	314	3	computational	computational	ADJ
ajfti-3193	314	4	and	and	CCONJ
ajfti-3193	314	5	applied	applied	ADJ
ajfti-3193	314	6	mathematics	mathematic	NOUN
ajfti-3193	314	7	,	,	PUNCT
ajfti-3193	314	8	361	361	NUM
ajfti-3193	314	9	,	,	PUNCT
ajfti-3193	314	10	313	313	NUM
ajfti-3193	314	11	-	-	SYM
ajfti-3193	314	12	342	342	NUM
ajfti-3193	314	13	.	.	PUNCT
ajfti-3193	315	1	chang	chang	PROPN
ajfti-3193	315	2	,	,	PUNCT
ajfti-3193	315	3	v.	v.	PROPN
ajfti-3193	315	4	,	,	PUNCT
ajfti-3193	315	5	ni	ni	PROPN
ajfti-3193	315	6	,	,	PUNCT
ajfti-3193	315	7	l.	l.	PROPN
ajfti-3193	315	8	,	,	PUNCT
ajfti-3193	315	9	zhang	zhang	PROPN
ajfti-3193	315	10	,	,	PUNCT
ajfti-3193	315	11	j.	j.	PROPN
ajfti-3193	315	12	,	,	PUNCT
ajfti-3193	315	13	&	&	CCONJ
ajfti-3193	315	14	li	li	PROPN
ajfti-3193	315	15	,	,	PUNCT
ajfti-3193	315	16	t.	t.	PROPN
ajfti-3193	315	17	(	(	PUNCT
ajfti-3193	315	18	2020	2020	NUM
ajfti-3193	315	19	)	)	PUNCT
ajfti-3193	315	20	.	.	PUNCT
ajfti-3193	316	1	the	the	DET
ajfti-3193	316	2	current	current	ADJ
ajfti-3193	316	3	trends	trend	NOUN
ajfti-3193	316	4	and	and	CCONJ
ajfti-3193	316	5	overview	overview	NOUN
ajfti-3193	316	6	for	for	ADP
ajfti-3193	316	7	portfolio	portfolio	NOUN
ajfti-3193	316	8	management	management	NOUN
ajfti-3193	316	9	.	.	PUNCT
ajfti-3193	317	1	international	international	ADJ
ajfti-3193	317	2	journal	journal	PROPN
ajfti-3193	317	3	of	of	ADP
ajfti-3193	317	4	business	business	NOUN
ajfti-3193	317	5	and	and	CCONJ
ajfti-3193	317	6	systems	system	NOUN
ajfti-3193	317	7	research	research	NOUN
ajfti-3193	317	8	,	,	PUNCT
ajfti-3193	317	9	14(4	14(4	NUM
ajfti-3193	317	10	)	)	PUNCT
ajfti-3193	317	11	,	,	PUNCT
ajfti-3193	317	12	434	434	NUM
ajfti-3193	317	13	-	-	SYM
ajfti-3193	317	14	454	454	NUM
ajfti-3193	317	15	.	.	PUNCT
ajfti-3193	318	1	chen	chen	PROPN
ajfti-3193	318	2	,	,	PUNCT
ajfti-3193	318	3	j.	j.	PROPN
ajfti-3193	318	4	m.	m.	PROPN
ajfti-3193	318	5	(	(	PUNCT
ajfti-3193	318	6	2018	2018	NUM
ajfti-3193	318	7	)	)	PUNCT
ajfti-3193	318	8	.	.	PUNCT
ajfti-3193	319	1	on	on	ADP
ajfti-3193	319	2	exactitude	exactitude	NOUN
ajfti-3193	319	3	in	in	ADP
ajfti-3193	319	4	financial	financial	ADJ
ajfti-3193	319	5	regulation	regulation	NOUN
ajfti-3193	319	6	:	:	PUNCT
ajfti-3193	319	7	value	value	NOUN
ajfti-3193	319	8	-	-	PUNCT
ajfti-3193	319	9	at	at	ADP
ajfti-3193	319	10	-	-	PUNCT
ajfti-3193	319	11	risk	risk	NOUN
ajfti-3193	319	12	,	,	PUNCT
ajfti-3193	319	13	expected	expect	VERB
ajfti-3193	319	14	shortfall	shortfall	NOUN
ajfti-3193	319	15	,	,	PUNCT
ajfti-3193	319	16	and	and	CCONJ
ajfti-3193	319	17	expectiles	expectile	NOUN
ajfti-3193	319	18	.	.	PUNCT
ajfti-3193	320	1	risks	risk	NOUN
ajfti-3193	320	2	,	,	PUNCT
ajfti-3193	320	3	6(2	6(2	NUM
ajfti-3193	320	4	)	)	PUNCT
ajfti-3193	320	5	,	,	PUNCT
ajfti-3193	320	6	61	61	NUM
ajfti-3193	320	7	.	.	PUNCT
ajfti-3193	320	8	de	de	PROPN
ajfti-3193	320	9	jong	jong	PROPN
ajfti-3193	320	10	,	,	PUNCT
ajfti-3193	320	11	m.	m.	NOUN
ajfti-3193	320	12	(	(	PUNCT
ajfti-3193	320	13	2018	2018	NUM
ajfti-3193	320	14	)	)	PUNCT
ajfti-3193	320	15	.	.	PUNCT
ajfti-3193	321	1	portfolio	portfolio	NOUN
ajfti-3193	321	2	optimization	optimization	NOUN
ajfti-3193	321	3	in	in	ADP
ajfti-3193	321	4	an	an	DET
ajfti-3193	321	5	uncertain	uncertain	ADJ
ajfti-3193	321	6	world	world	NOUN
ajfti-3193	321	7	.	.	PUNCT
ajfti-3193	322	1	journal	journal	PROPN
ajfti-3193	322	2	of	of	ADP
ajfti-3193	322	3	asset	asset	NOUN
ajfti-3193	322	4	management	management	NOUN
ajfti-3193	322	5	,	,	PUNCT
ajfti-3193	322	6	19(4	19(4	PROPN
ajfti-3193	322	7	)	)	PUNCT
ajfti-3193	322	8	,	,	PUNCT
ajfti-3193	322	9	216	216	NUM
ajfti-3193	322	10	-	-	SYM
ajfti-3193	322	11	221	221	NUM
ajfti-3193	322	12	.	.	PUNCT
ajfti-3193	323	1	deangelo	deangelo	PROPN
ajfti-3193	323	2	,	,	PUNCT
ajfti-3193	323	3	h.	h.	PROPN
ajfti-3193	323	4	,	,	PUNCT
ajfti-3193	323	5	gonçalves	gonçalves	PROPN
ajfti-3193	323	6	,	,	PUNCT
ajfti-3193	323	7	a.	a.	NOUN
ajfti-3193	323	8	s.	s.	PROPN
ajfti-3193	323	9	,	,	PUNCT
ajfti-3193	323	10	&	&	CCONJ
ajfti-3193	323	11	stulz	stulz	ADJ
ajfti-3193	323	12	,	,	PUNCT
ajfti-3193	323	13	r.	r.	PROPN
ajfti-3193	323	14	m.	m.	PROPN
ajfti-3193	323	15	(	(	PUNCT
ajfti-3193	323	16	2018	2018	NUM
ajfti-3193	323	17	)	)	PUNCT
ajfti-3193	323	18	.	.	PUNCT
ajfti-3193	324	1	corporate	corporate	ADJ
ajfti-3193	324	2	deleveraging	deleveraging	NOUN
ajfti-3193	324	3	and	and	CCONJ
ajfti-3193	324	4	financial	financial	ADJ
ajfti-3193	324	5	flexibility	flexibility	NOUN
ajfti-3193	324	6	.	.	PUNCT
ajfti-3193	325	1	the	the	DET
ajfti-3193	325	2	review	review	NOUN
ajfti-3193	325	3	of	of	ADP
ajfti-3193	325	4	financial	financial	ADJ
ajfti-3193	325	5	studies	study	NOUN
ajfti-3193	325	6	,	,	PUNCT
ajfti-3193	325	7	31(8	31(8	NUM
ajfti-3193	325	8	)	)	PUNCT
ajfti-3193	325	9	,	,	PUNCT
ajfti-3193	325	10	3122	3122	NUM
ajfti-3193	325	11	-	-	SYM
ajfti-3193	325	12	3174	3174	NUM
ajfti-3193	325	13	.	.	PUNCT
ajfti-3193	326	1	dhankar	dhankar	PROPN
ajfti-3193	326	2	,	,	PUNCT
ajfti-3193	326	3	r.	r.	PROPN
ajfti-3193	326	4	s.	s.	PROPN
ajfti-3193	326	5	(	(	PUNCT
ajfti-3193	326	6	2019	2019	NUM
ajfti-3193	326	7	)	)	PUNCT
ajfti-3193	326	8	.	.	PUNCT
ajfti-3193	327	1	risk	risk	NOUN
ajfti-3193	327	2	-	-	PUNCT
ajfti-3193	327	3	return	return	NOUN
ajfti-3193	327	4	relationship	relationship	NOUN
ajfti-3193	327	5	and	and	CCONJ
ajfti-3193	327	6	portfolio	portfolio	NOUN
ajfti-3193	327	7	management	management	NOUN
ajfti-3193	327	8	.	.	PUNCT
ajfti-3193	328	1	springer	springer	NOUN
ajfti-3193	328	2	.	.	PUNCT
ajfti-3193	329	1	erülgen	erülgen	PROPN
ajfti-3193	329	2	,	,	PUNCT
ajfti-3193	329	3	a.	a.	PROPN
ajfti-3193	329	4	,	,	PUNCT
ajfti-3193	329	5	rjoub	rjoub	PROPN
ajfti-3193	329	6	,	,	PUNCT
ajfti-3193	329	7	h.	h.	PROPN
ajfti-3193	329	8	,	,	PUNCT
ajfti-3193	329	9	&	&	CCONJ
ajfti-3193	329	10	adalıer	adalıer	PROPN
ajfti-3193	329	11	,	,	PUNCT
ajfti-3193	329	12	a.	a.	NOUN
ajfti-3193	329	13	(	(	PUNCT
ajfti-3193	329	14	2020	2020	NUM
ajfti-3193	329	15	)	)	PUNCT
ajfti-3193	329	16	.	.	PUNCT
ajfti-3193	330	1	bank	bank	NOUN
ajfti-3193	330	2	characteristics	characteristics	PROPN
ajfti-3193	330	3	effect	effect	NOUN
ajfti-3193	330	4	on	on	ADP
ajfti-3193	330	5	capital	capital	NOUN
ajfti-3193	330	6	structure	structure	NOUN
ajfti-3193	330	7	:	:	PUNCT
ajfti-3193	330	8	evidence	evidence	NOUN
ajfti-3193	330	9	from	from	ADP
ajfti-3193	330	10	pmg	pmg	PROPN
ajfti-3193	330	11	and	and	CCONJ
ajfti-3193	330	12	cs	cs	PROPN
ajfti-3193	330	13	-	-	ADJ
ajfti-3193	330	14	ardl	ardl	NOUN
ajfti-3193	330	15	.	.	PUNCT
ajfti-3193	331	1	journal	journal	NOUN
ajfti-3193	331	2	of	of	ADP
ajfti-3193	331	3	risk	risk	NOUN
ajfti-3193	331	4	and	and	CCONJ
ajfti-3193	331	5	financial	financial	ADJ
ajfti-3193	331	6	management	management	NOUN
ajfti-3193	331	7	,	,	PUNCT
ajfti-3193	331	8	13(12	13(12	NUM
ajfti-3193	331	9	)	)	PUNCT
ajfti-3193	331	10	,	,	PUNCT
ajfti-3193	331	11	310	310	NUM
ajfti-3193	331	12	.	.	PUNCT
ajfti-3193	332	1	farhan	farhan	PROPN
ajfti-3193	332	2	,	,	PUNCT
ajfti-3193	332	3	a.	a.	NOUN
ajfti-3193	332	4	m.	m.	NOUN
ajfti-3193	332	5	,	,	PUNCT
ajfti-3193	332	6	jaradat	jaradat	PROPN
ajfti-3193	332	7	,	,	PUNCT
ajfti-3193	332	8	s.	s.	PROPN
ajfti-3193	332	9	a.	a.	PROPN
ajfti-3193	332	10	,	,	PUNCT
ajfti-3193	332	11	ezat	ezat	VERB
ajfti-3193	332	12	,	,	PUNCT
ajfti-3193	332	13	a.	a.	NOUN
ajfti-3193	332	14	n.	n.	PROPN
ajfti-3193	332	15	,	,	PUNCT
ajfti-3193	332	16	hamza	hamza	PROPN
ajfti-3193	332	17	,	,	PUNCT
ajfti-3193	332	18	y.	y.	PROPN
ajfti-3193	332	19	,	,	PUNCT
ajfti-3193	332	20	mahmoud	mahmoud	PROPN
ajfti-3193	332	21	,	,	PUNCT
ajfti-3193	332	22	m.	m.	NOUN
ajfti-3193	332	23	a.	a.	PROPN
ajfti-3193	332	24	,	,	PUNCT
ajfti-3193	332	25	abulaila	abulaila	NOUN
ajfti-3193	332	26	,	,	PUNCT
ajfti-3193	332	27	m.	m.	NOUN
ajfti-3193	332	28	d.	d.	PROPN
ajfti-3193	332	29	,	,	PUNCT
ajfti-3193	332	30	soliman	soliman	PROPN
ajfti-3193	332	31	,	,	PUNCT
ajfti-3193	332	32	a.	a.	PROPN
ajfti-3193	332	33	f.	f.	PROPN
ajfti-3193	332	34	,	,	PUNCT
ajfti-3193	332	35	aloudat	aloudat	PROPN
ajfti-3193	332	36	,	,	PUNCT
ajfti-3193	332	37	a.	a.	NOUN
ajfti-3193	332	38	a.	a.	PROPN
ajfti-3193	332	39	,	,	PUNCT
ajfti-3193	332	40	almomany	almomany	ADJ
ajfti-3193	332	41	,	,	PUNCT
ajfti-3193	332	42	a.	a.	NOUN
ajfti-3193	332	43	q.	q.	PROPN
ajfti-3193	332	44	,	,	PUNCT
ajfti-3193	332	45	&	&	CCONJ
ajfti-3193	332	46	jaradat	jaradat	PROPN
ajfti-3193	332	47	,	,	PUNCT
ajfti-3193	332	48	s.	s.	PROPN
ajfti-3193	332	49	s.	s.	PROPN
ajfti-3193	332	50	(	(	PUNCT
ajfti-3193	332	51	2022	2022	NUM
ajfti-3193	332	52	)	)	PUNCT
ajfti-3193	332	53	.	.	PUNCT
ajfti-3193	333	1	the	the	DET
ajfti-3193	333	2	impact	impact	NOUN
ajfti-3193	333	3	of	of	ADP
ajfti-3193	333	4	the	the	DET
ajfti-3193	333	5	regulatory	regulatory	ADJ
ajfti-3193	333	6	and	and	CCONJ
ajfti-3193	333	7	financial	financial	ADJ
ajfti-3193	333	8	policies	policy	NOUN
ajfti-3193	333	9	of	of	ADP
ajfti-3193	333	10	the	the	DET
ajfti-3193	333	11	central	central	ADJ
ajfti-3193	333	12	bank	bank	NOUN
ajfti-3193	333	13	on	on	ADP
ajfti-3193	333	14	commercial	commercial	ADJ
ajfti-3193	333	15	banks	bank	NOUN
ajfti-3193	333	16	.	.	PUNCT
ajfti-3193	334	1	journal	journal	NOUN
ajfti-3193	334	2	of	of	ADP
ajfti-3193	334	3	language	language	NOUN
ajfti-3193	334	4	and	and	CCONJ
ajfti-3193	334	5	linguistic	linguistic	ADJ
ajfti-3193	334	6	studies	study	NOUN
ajfti-3193	334	7	,	,	PUNCT
ajfti-3193	334	8	18(3	18(3	NUM
ajfti-3193	334	9	)	)	PUNCT
ajfti-3193	334	10	.	.	PUNCT
ajfti-3193	335	1	ghosh	ghosh	PROPN
ajfti-3193	335	2	,	,	PUNCT
ajfti-3193	335	3	s.	s.	PROPN
ajfti-3193	335	4	,	,	PUNCT
ajfti-3193	335	5	&	&	CCONJ
ajfti-3193	335	6	chatterjee	chatterjee	PROPN
ajfti-3193	335	7	,	,	PUNCT
ajfti-3193	335	8	g.	g.	PROPN
ajfti-3193	335	9	(	(	PUNCT
ajfti-3193	335	10	2018	2018	NUM
ajfti-3193	335	11	)	)	PUNCT
ajfti-3193	335	12	.	.	PUNCT
ajfti-3193	336	1	capital	capital	NOUN
ajfti-3193	336	2	structure	structure	NOUN
ajfti-3193	336	3	,	,	PUNCT
ajfti-3193	336	4	ownership	ownership	NOUN
ajfti-3193	336	5	and	and	CCONJ
ajfti-3193	336	6	crisis	crisis	NOUN
ajfti-3193	336	7	:	:	PUNCT
ajfti-3193	336	8	how	how	SCONJ
ajfti-3193	336	9	different	different	ADJ
ajfti-3193	336	10	are	be	AUX
ajfti-3193	336	11	banks	bank	NOUN
ajfti-3193	336	12	?	?	PUNCT
ajfti-3193	337	1	journal	journal	NOUN
ajfti-3193	337	2	of	of	ADP
ajfti-3193	337	3	financial	financial	ADJ
ajfti-3193	337	4	regulation	regulation	NOUN
ajfti-3193	337	5	and	and	CCONJ
ajfti-3193	337	6	compliance	compliance	NOUN
ajfti-3193	337	7	,	,	PUNCT
ajfti-3193	337	8	26(2	26(2	NUM
ajfti-3193	337	9	)	)	PUNCT
ajfti-3193	337	10	,	,	PUNCT
ajfti-3193	337	11	300	300	NUM
ajfti-3193	337	12	-	-	SYM
ajfti-3193	337	13	330	330	NUM
ajfti-3193	337	14	.	.	PUNCT
ajfti-3193	338	1	gogas	gogas	NOUN
ajfti-3193	338	2	,	,	PUNCT
ajfti-3193	338	3	p.	p.	NOUN
ajfti-3193	338	4	,	,	PUNCT
ajfti-3193	338	5	papadimitriou	papadimitriou	NOUN
ajfti-3193	338	6	,	,	PUNCT
ajfti-3193	338	7	t.	t.	PROPN
ajfti-3193	338	8	,	,	PUNCT
ajfti-3193	338	9	&	&	CCONJ
ajfti-3193	338	10	agrapetidou	agrapetidou	PROPN
ajfti-3193	338	11	,	,	PUNCT
ajfti-3193	338	12	a.	a.	NOUN
ajfti-3193	338	13	(	(	PUNCT
ajfti-3193	338	14	2018	2018	NUM
ajfti-3193	338	15	)	)	PUNCT
ajfti-3193	338	16	.	.	PUNCT
ajfti-3193	339	1	forecasting	forecast	VERB
ajfti-3193	339	2	bank	bank	NOUN
ajfti-3193	339	3	failures	failure	NOUN
ajfti-3193	339	4	and	and	CCONJ
ajfti-3193	339	5	stress	stress	NOUN
ajfti-3193	339	6	testing	testing	NOUN
ajfti-3193	339	7	:	:	PUNCT
ajfti-3193	339	8	a	a	DET
ajfti-3193	339	9	machine	machine	NOUN
ajfti-3193	339	10	learning	learning	NOUN
ajfti-3193	339	11	approach	approach	NOUN
ajfti-3193	339	12	.	.	PUNCT
ajfti-3193	340	1	international	international	ADJ
ajfti-3193	340	2	journal	journal	PROPN
ajfti-3193	340	3	of	of	ADP
ajfti-3193	340	4	forecasting	forecasting	NOUN
ajfti-3193	340	5	,	,	PUNCT
ajfti-3193	340	6	34(3	34(3	NUM
ajfti-3193	340	7	)	)	PUNCT
ajfti-3193	340	8	,	,	PUNCT
ajfti-3193	340	9	440	440	NUM
ajfti-3193	340	10	-	-	SYM
ajfti-3193	340	11	455	455	NUM
ajfti-3193	340	12	.	.	PUNCT
ajfti-3193	341	1	goldstein	goldstein	PROPN
ajfti-3193	341	2	,	,	PUNCT
ajfti-3193	341	3	i.	i.	PROPN
ajfti-3193	341	4	,	,	PUNCT
ajfti-3193	341	5	&	&	CCONJ
ajfti-3193	341	6	leitner	leitner	NOUN
ajfti-3193	341	7	,	,	PUNCT
ajfti-3193	341	8	y.	y.	NOUN
ajfti-3193	341	9	(	(	PUNCT
ajfti-3193	341	10	2018	2018	NUM
ajfti-3193	341	11	)	)	PUNCT
ajfti-3193	341	12	.	.	PUNCT
ajfti-3193	342	1	stress	stress	NOUN
ajfti-3193	342	2	tests	test	NOUN
ajfti-3193	342	3	and	and	CCONJ
ajfti-3193	342	4	information	information	NOUN
ajfti-3193	342	5	disclosure	disclosure	NOUN
ajfti-3193	342	6	.	.	PUNCT
ajfti-3193	343	1	journal	journal	NOUN
ajfti-3193	343	2	of	of	ADP
ajfti-3193	343	3	economic	economic	ADJ
ajfti-3193	343	4	theory	theory	NOUN
ajfti-3193	343	5	,	,	PUNCT
ajfti-3193	343	6	177	177	NUM
ajfti-3193	343	7	,	,	PUNCT
ajfti-3193	343	8	34	34	NUM
ajfti-3193	343	9	-	-	SYM
ajfti-3193	343	10	69	69	NUM
ajfti-3193	343	11	.	.	PUNCT
ajfti-3193	344	1	hacini	hacini	PROPN
ajfti-3193	344	2	,	,	PUNCT
ajfti-3193	344	3	i.	i.	NOUN
ajfti-3193	344	4	,	,	PUNCT
ajfti-3193	344	5	boulenfad	boulenfad	PROPN
ajfti-3193	344	6	,	,	PUNCT
ajfti-3193	344	7	a.	a.	NOUN
ajfti-3193	344	8	,	,	PUNCT
ajfti-3193	344	9	&	&	CCONJ
ajfti-3193	344	10	dahou	dahou	PROPN
ajfti-3193	344	11	,	,	PUNCT
ajfti-3193	344	12	k.	k.	PROPN
ajfti-3193	344	13	(	(	PUNCT
ajfti-3193	344	14	2021	2021	NUM
ajfti-3193	344	15	)	)	PUNCT
ajfti-3193	344	16	.	.	PUNCT
ajfti-3193	345	1	the	the	DET
ajfti-3193	345	2	impact	impact	NOUN
ajfti-3193	345	3	of	of	ADP
ajfti-3193	345	4	liquidity	liquidity	NOUN
ajfti-3193	345	5	risk	risk	NOUN
ajfti-3193	345	6	management	management	NOUN
ajfti-3193	345	7	on	on	ADP
ajfti-3193	345	8	the	the	DET
ajfti-3193	345	9	financial	financial	ADJ
ajfti-3193	345	10	performance	performance	NOUN
ajfti-3193	345	11	of	of	ADP
ajfti-3193	345	12	saudi	saudi	ADJ
ajfti-3193	345	13	arabian	arabian	ADJ
ajfti-3193	345	14	banks	bank	NOUN
ajfti-3193	345	15	.	.	PUNCT
ajfti-3193	346	1	emaj	emaj	ADV
ajfti-3193	346	2	:	:	PUNCT
ajfti-3193	347	1	emerging	emerge	VERB
ajfti-3193	347	2	markets	market	NOUN
ajfti-3193	347	3	journal	journal	NOUN
ajfti-3193	347	4	,	,	PUNCT
ajfti-3193	347	5	11(1	11(1	NUM
ajfti-3193	347	6	)	)	PUNCT
ajfti-3193	347	7	,	,	PUNCT
ajfti-3193	347	8	67	67	NUM
ajfti-3193	347	9	-	-	SYM
ajfti-3193	347	10	75	75	NUM
ajfti-3193	347	11	.	.	PUNCT
ajfti-3193	348	1	halkos	halkos	PROPN
ajfti-3193	348	2	,	,	PUNCT
ajfti-3193	348	3	g.	g.	PROPN
ajfti-3193	348	4	e.	e.	PROPN
ajfti-3193	348	5	,	,	PUNCT
ajfti-3193	348	6	&	&	CCONJ
ajfti-3193	348	7	tsirivis	tsirivis	ADJ
ajfti-3193	348	8	,	,	PUNCT
ajfti-3193	348	9	a.	a.	PROPN
ajfti-3193	348	10	s.	s.	PROPN
ajfti-3193	348	11	(	(	PUNCT
ajfti-3193	348	12	2019	2019	NUM
ajfti-3193	348	13	)	)	PUNCT
ajfti-3193	348	14	.	.	PUNCT
ajfti-3193	349	1	value	value	NOUN
ajfti-3193	349	2	-	-	PUNCT
ajfti-3193	349	3	at	at	ADP
ajfti-3193	349	4	-	-	PUNCT
ajfti-3193	349	5	risk	risk	NOUN
ajfti-3193	349	6	methodologies	methodology	NOUN
ajfti-3193	349	7	for	for	ADP
ajfti-3193	349	8	effective	effective	ADJ
ajfti-3193	349	9	energy	energy	NOUN
ajfti-3193	349	10	portfolio	portfolio	NOUN
ajfti-3193	349	11	risk	risk	NOUN
ajfti-3193	349	12	management	management	NOUN
ajfti-3193	349	13	.	.	PUNCT
ajfti-3193	350	1	economic	economic	ADJ
ajfti-3193	350	2	analysis	analysis	NOUN
ajfti-3193	350	3	and	and	CCONJ
ajfti-3193	350	4	policy	policy	NOUN
ajfti-3193	350	5	,	,	PUNCT
ajfti-3193	350	6	62	62	NUM
ajfti-3193	350	7	,	,	PUNCT
ajfti-3193	350	8	197	197	NUM
ajfti-3193	350	9	-	-	SYM
ajfti-3193	350	10	212	212	NUM
ajfti-3193	350	11	.	.	PUNCT
ajfti-3193	351	1	hossain	hossain	PROPN
ajfti-3193	351	2	,	,	PUNCT
ajfti-3193	351	3	m.	m.	PROPN
ajfti-3193	351	4	z.	z.	PROPN
ajfti-3193	351	5	,	,	PUNCT
ajfti-3193	351	6	khan	khan	PROPN
ajfti-3193	351	7	,	,	PUNCT
ajfti-3193	351	8	m.	m.	NOUN
ajfti-3193	351	9	a.	a.	PROPN
ajfti-3193	351	10	r.	r.	PROPN
ajfti-3193	351	11	,	,	PUNCT
ajfti-3193	351	12	&	&	CCONJ
ajfti-3193	351	13	sadique	sadique	ADJ
ajfti-3193	351	14	,	,	PUNCT
ajfti-3193	351	15	m.	m.	NOUN
ajfti-3193	351	16	s.	s.	PROPN
ajfti-3193	351	17	(	(	PUNCT
ajfti-3193	351	18	2018	2018	NUM
ajfti-3193	351	19	)	)	PUNCT
ajfti-3193	351	20	.	.	PUNCT
ajfti-3193	352	1	basel	basel	PROPN
ajfti-3193	352	2	iii	iii	PROPN
ajfti-3193	352	3	and	and	CCONJ
ajfti-3193	352	4	perceived	perceive	VERB
ajfti-3193	352	5	resilience	resilience	NOUN
ajfti-3193	352	6	of	of	ADP
ajfti-3193	352	7	banks	bank	NOUN
ajfti-3193	352	8	in	in	ADP
ajfti-3193	352	9	the	the	DET
ajfti-3193	352	10	brics	bric	NOUN
ajfti-3193	352	11	economies	economy	NOUN
ajfti-3193	352	12	.	.	PUNCT
ajfti-3193	353	1	applied	apply	VERB
ajfti-3193	353	2	economics	economic	NOUN
ajfti-3193	353	3	,	,	PUNCT
ajfti-3193	353	4	50(19	50(19	NUM
ajfti-3193	353	5	)	)	PUNCT
ajfti-3193	353	6	,	,	PUNCT
ajfti-3193	353	7	21332146	21332146	NUM
ajfti-3193	353	8	.	.	PUNCT
ajfti-3193	354	1	khan	khan	PROPN
ajfti-3193	354	2	,	,	PUNCT
ajfti-3193	354	3	k.	k.	PROPN
ajfti-3193	354	4	i.	i.	PROPN
ajfti-3193	354	5	,	,	PUNCT
ajfti-3193	354	6	qadeer	qadeer	PROPN
ajfti-3193	354	7	,	,	PUNCT
ajfti-3193	354	8	f.	f.	PROPN
ajfti-3193	354	9	,	,	PUNCT
ajfti-3193	354	10	mata	mata	PROPN
ajfti-3193	354	11	,	,	PUNCT
ajfti-3193	354	12	m.	m.	NOUN
ajfti-3193	354	13	n.	n.	PROPN
ajfti-3193	354	14	,	,	PUNCT
ajfti-3193	354	15	chavaglia	chavaglia	PROPN
ajfti-3193	354	16	neto	neto	PROPN
ajfti-3193	354	17	,	,	PUNCT
ajfti-3193	354	18	j.	j.	PROPN
ajfti-3193	354	19	,	,	PUNCT
ajfti-3193	354	20	sabir	sabir	PROPN
ajfti-3193	354	21	,	,	PUNCT
ajfti-3193	354	22	q.	q.	PROPN
ajfti-3193	354	23	u.	u.	PROPN
ajfti-3193	354	24	a.	a.	PROPN
ajfti-3193	354	25	,	,	PUNCT
ajfti-3193	354	26	martins	martin	NOUN
ajfti-3193	354	27	,	,	PUNCT
ajfti-3193	354	28	j.	j.	PROPN
ajfti-3193	354	29	n.	n.	PROPN
ajfti-3193	354	30	,	,	PUNCT
ajfti-3193	354	31	&	&	CCONJ
ajfti-3193	354	32	filipe	filipe	PROPN
ajfti-3193	354	33	,	,	PUNCT
ajfti-3193	354	34	j.	j.	PROPN
ajfti-3193	354	35	a.	a.	PROPN
ajfti-3193	354	36	(	(	PUNCT
ajfti-3193	354	37	2021	2021	NUM
ajfti-3193	354	38	)	)	PUNCT
ajfti-3193	354	39	.	.	PUNCT
ajfti-3193	355	1	core	core	NOUN
ajfti-3193	355	2	predictors	predictor	NOUN
ajfti-3193	355	3	of	of	ADP
ajfti-3193	355	4	debt	debt	NOUN
ajfti-3193	355	5	specialization	specialization	NOUN
ajfti-3193	355	6	:	:	PUNCT
ajfti-3193	355	7	a	a	DET
ajfti-3193	355	8	new	new	ADJ
ajfti-3193	355	9	insight	insight	NOUN
ajfti-3193	355	10	to	to	ADP
ajfti-3193	355	11	optimal	optimal	ADJ
ajfti-3193	355	12	capital	capital	NOUN
ajfti-3193	355	13	structure	structure	NOUN
ajfti-3193	355	14	.	.	PUNCT
ajfti-3193	356	1	mathematics	mathematic	NOUN
ajfti-3193	356	2	,	,	PUNCT
ajfti-3193	356	3	9(9	9(9	NUM
ajfti-3193	356	4	)	)	PUNCT
ajfti-3193	356	5	,	,	PUNCT
ajfti-3193	356	6	975	975	NUM
ajfti-3193	356	7	.	.	PUNCT
ajfti-3193	356	8	khanifah	khanifah	PROPN
ajfti-3193	356	9	,	,	PUNCT
ajfti-3193	356	10	k.	k.	PROPN
ajfti-3193	356	11	,	,	PUNCT
ajfti-3193	356	12	hardiningsih	hardiningsih	PROPN
ajfti-3193	356	13	,	,	PUNCT
ajfti-3193	356	14	p.	p.	PROPN
ajfti-3193	356	15	,	,	PUNCT
ajfti-3193	356	16	darmaryantiko	darmaryantiko	PROPN
ajfti-3193	356	17	,	,	PUNCT
ajfti-3193	356	18	a.	a.	NOUN
ajfti-3193	356	19	,	,	PUNCT
ajfti-3193	356	20	iryantik	iryantik	NOUN
ajfti-3193	356	21	,	,	PUNCT
ajfti-3193	356	22	i.	i.	PROPN
ajfti-3193	356	23	,	,	PUNCT
ajfti-3193	356	24	&	&	CCONJ
ajfti-3193	356	25	udin	udin	PROPN
ajfti-3193	356	26	,	,	PUNCT
ajfti-3193	356	27	u.	u.	PROPN
ajfti-3193	356	28	(	(	PUNCT
ajfti-3193	356	29	2020	2020	NUM
ajfti-3193	356	30	)	)	PUNCT
ajfti-3193	356	31	.	.	PUNCT
ajfti-3193	357	1	the	the	DET
ajfti-3193	357	2	effect	effect	NOUN
ajfti-3193	357	3	of	of	ADP
ajfti-3193	357	4	corporate	corporate	ADJ
ajfti-3193	357	5	governance	governance	NOUN
ajfti-3193	357	6	disclosure	disclosure	NOUN
ajfti-3193	357	7	on	on	ADP
ajfti-3193	357	8	banking	banking	NOUN
ajfti-3193	357	9	performance	performance	NOUN
ajfti-3193	357	10	:	:	PUNCT
ajfti-3193	357	11	empirical	empirical	ADJ
ajfti-3193	357	12	evidence	evidence	NOUN
ajfti-3193	357	13	from	from	ADP
ajfti-3193	357	14	iran	iran	PROPN
ajfti-3193	357	15	,	,	PUNCT
ajfti-3193	357	16	saudi	saudi	PROPN
ajfti-3193	357	17	arabia	arabia	PROPN
ajfti-3193	357	18	and	and	CCONJ
ajfti-3193	357	19	malaysia	malaysia	PROPN
ajfti-3193	357	20	.	.	PUNCT
ajfti-3193	358	1	journal	journal	PROPN
ajfti-3193	358	2	of	of	ADP
ajfti-3193	358	3	asian	asian	ADJ
ajfti-3193	358	4	finance	finance	NOUN
ajfti-3193	358	5	,	,	PUNCT
ajfti-3193	358	6	economics	economic	NOUN
ajfti-3193	358	7	and	and	CCONJ
ajfti-3193	358	8	business	business	NOUN
ajfti-3193	358	9	,	,	PUNCT
ajfti-3193	358	10	7(3	7(3	NUM
ajfti-3193	358	11	)	)	PUNCT
ajfti-3193	358	12	,	,	PUNCT
ajfti-3193	358	13	41	41	NUM
ajfti-3193	358	14	-	-	SYM
ajfti-3193	358	15	51	51	NUM
ajfti-3193	358	16	.	.	PUNCT
ajfti-3193	359	1	khindanova	khindanova	PROPN
ajfti-3193	359	2	,	,	PUNCT
ajfti-3193	359	3	i.	i.	PROPN
ajfti-3193	359	4	n.	n.	PROPN
ajfti-3193	359	5	,	,	PUNCT
ajfti-3193	359	6	&	&	CCONJ
ajfti-3193	359	7	rachev	rachev	VERB
ajfti-3193	359	8	,	,	PUNCT
ajfti-3193	359	9	s.	s.	PROPN
ajfti-3193	359	10	t.	t.	PROPN
ajfti-3193	359	11	(	(	PUNCT
ajfti-3193	359	12	2019	2019	NUM
ajfti-3193	359	13	)	)	PUNCT
ajfti-3193	359	14	.	.	PUNCT
ajfti-3193	360	1	value	value	NOUN
ajfti-3193	360	2	at	at	ADP
ajfti-3193	360	3	risk	risk	NOUN
ajfti-3193	360	4	:	:	PUNCT
ajfti-3193	360	5	recent	recent	ADJ
ajfti-3193	360	6	advances	advance	NOUN
ajfti-3193	360	7	.	.	PUNCT
ajfti-3193	361	1	handbook	handbook	NOUN
ajfti-3193	361	2	of	of	ADP
ajfti-3193	361	3	analytic	analytic	ADJ
ajfti-3193	361	4	computational	computational	ADJ
ajfti-3193	361	5	methods	method	NOUN
ajfti-3193	361	6	in	in	ADP
ajfti-3193	361	7	applied	applied	ADJ
ajfti-3193	361	8	mathematics	mathematic	NOUN
ajfti-3193	361	9	,	,	PUNCT
ajfti-3193	361	10	801	801	NUM
ajfti-3193	361	11	-	-	SYM
ajfti-3193	361	12	858	858	NUM
ajfti-3193	361	13	.	.	PUNCT
ajfti-3193	362	1	khan	khan	PROPN
ajfti-3193	362	2	,	,	PUNCT
ajfti-3193	362	3	m.	m.	NOUN
ajfti-3193	362	4	s.	s.	PROPN
ajfti-3193	362	5	,	,	PUNCT
ajfti-3193	362	6	&	&	CCONJ
ajfti-3193	362	7	khan	khan	PROPN
ajfti-3193	362	8	,	,	PUNCT
ajfti-3193	362	9	m.	m.	NOUN
ajfti-3193	362	10	i.	i.	PROPN
ajfti-3193	362	11	(	(	PUNCT
ajfti-3193	362	12	2019	2019	NUM
ajfti-3193	362	13	)	)	PUNCT
ajfti-3193	362	14	.	.	PUNCT
ajfti-3193	363	1	economic	economic	ADJ
ajfti-3193	363	2	diversification	diversification	NOUN
ajfti-3193	363	3	in	in	ADP
ajfti-3193	363	4	saudi	saudi	PROPN
ajfti-3193	363	5	arabia	arabia	PROPN
ajfti-3193	363	6	:	:	PUNCT
ajfti-3193	363	7	a	a	DET
ajfti-3193	363	8	risk	risk	NOUN
ajfti-3193	363	9	management	management	NOUN
ajfti-3193	363	10	perspective	perspective	NOUN
ajfti-3193	363	11	.	.	PUNCT
ajfti-3193	364	1	journal	journal	NOUN
ajfti-3193	364	2	of	of	ADP
ajfti-3193	364	3	economic	economic	ADJ
ajfti-3193	364	4	studies	study	NOUN
ajfti-3193	364	5	.	.	PUNCT
ajfti-3193	365	1	lotto	lotto	NOUN
ajfti-3193	365	2	,	,	PUNCT
ajfti-3193	365	3	j.	j.	PROPN
ajfti-3193	365	4	(	(	PUNCT
ajfti-3193	365	5	2018	2018	NUM
ajfti-3193	365	6	)	)	PUNCT
ajfti-3193	365	7	.	.	PUNCT
ajfti-3193	366	1	the	the	DET
ajfti-3193	366	2	empirical	empirical	ADJ
ajfti-3193	366	3	analysis	analysis	NOUN
ajfti-3193	366	4	of	of	ADP
ajfti-3193	366	5	the	the	DET
ajfti-3193	366	6	impact	impact	NOUN
ajfti-3193	366	7	of	of	ADP
ajfti-3193	366	8	bank	bank	NOUN
ajfti-3193	366	9	capital	capital	NOUN
ajfti-3193	366	10	regulations	regulation	NOUN
ajfti-3193	366	11	on	on	ADP
ajfti-3193	366	12	operating	operate	VERB
ajfti-3193	366	13	efficiency	efficiency	NOUN
ajfti-3193	366	14	.	.	PUNCT
ajfti-3193	367	1	international	international	ADJ
ajfti-3193	367	2	journal	journal	PROPN
ajfti-3193	367	3	of	of	ADP
ajfti-3193	367	4	financial	financial	ADJ
ajfti-3193	367	5	studies	study	NOUN
ajfti-3193	367	6	,	,	PUNCT
ajfti-3193	367	7	6(2	6(2	NUM
ajfti-3193	367	8	)	)	PUNCT
ajfti-3193	367	9	,	,	PUNCT
ajfti-3193	367	10	34	34	NUM
ajfti-3193	367	11	.	.	PUNCT
ajfti-3193	367	12	mansuri	mansuri	PROPN
ajfti-3193	367	13	,	,	PUNCT
ajfti-3193	367	14	n.	n.	PROPN
ajfti-3193	367	15	s.	s.	PROPN
ajfti-3193	367	16	,	,	PUNCT
ajfti-3193	367	17	&	&	CCONJ
ajfti-3193	367	18	shah	shah	PROPN
ajfti-3193	367	19	,	,	PUNCT
ajfti-3193	367	20	p.	p.	NOUN
ajfti-3193	367	21	(	(	PUNCT
ajfti-3193	367	22	2022	2022	NUM
ajfti-3193	367	23	)	)	PUNCT
ajfti-3193	367	24	.	.	PUNCT
ajfti-3193	368	1	dynamic	dynamic	ADJ
ajfti-3193	368	2	risk	risk	NOUN
ajfti-3193	368	3	factors	factor	NOUN
ajfti-3193	368	4	in	in	ADP
ajfti-3193	368	5	expedition	expedition	NOUN
ajfti-3193	368	6	of	of	ADP
ajfti-3193	368	7	capital	capital	NOUN
ajfti-3193	368	8	asset	asset	NOUN
ajfti-3193	368	9	pricing	pricing	NOUN
ajfti-3193	368	10	model	model	NOUN
ajfti-3193	368	11	for	for	ADP
ajfti-3193	368	12	measuring	measure	VERB
ajfti-3193	368	13	required	require	VERB
ajfti-3193	368	14	rate	rate	NOUN
ajfti-3193	368	15	of	of	ADP
ajfti-3193	368	16	return	return	NOUN
ajfti-3193	368	17	intended	intend	VERB
ajfti-3193	368	18	for	for	ADP
ajfti-3193	368	19	equity	equity	NOUN
ajfti-3193	368	20	valuation	valuation	NOUN
ajfti-3193	368	21	.	.	PUNCT
ajfti-3193	369	1	journal	journal	NOUN
ajfti-3193	369	2	of	of	ADP
ajfti-3193	369	3	positive	positive	ADJ
ajfti-3193	369	4	school	school	NOUN
ajfti-3193	369	5	psychology	psychology	NOUN
ajfti-3193	369	6	,	,	PUNCT
ajfti-3193	369	7	6(7	6(7	NUM
ajfti-3193	369	8	)	)	PUNCT
ajfti-3193	369	9	,	,	PUNCT
ajfti-3193	369	10	1429	1429	NUM
ajfti-3193	369	11	-	-	SYM
ajfti-3193	369	12	1436	1436	NUM
ajfti-3193	369	13	.	.	PUNCT
ajfti-3193	370	1	menjeri	menjeri	NOUN
ajfti-3193	370	2	,	,	PUNCT
ajfti-3193	370	3	o.	o.	PROPN
ajfti-3193	370	4	m.	m.	NOUN
ajfti-3193	370	5	(	(	PUNCT
ajfti-3193	370	6	2018	2018	NUM
ajfti-3193	370	7	)	)	PUNCT
ajfti-3193	370	8	.	.	PUNCT
ajfti-3193	371	1	strategic	strategic	ADJ
ajfti-3193	371	2	asset	asset	NOUN
ajfti-3193	371	3	allocation	allocation	NOUN
ajfti-3193	371	4	of	of	ADP
ajfti-3193	371	5	pension	pension	NOUN
ajfti-3193	371	6	funds	fund	NOUN
ajfti-3193	371	7	:	:	PUNCT
ajfti-3193	371	8	an	an	DET
ajfti-3193	371	9	application	application	NOUN
ajfti-3193	371	10	of	of	ADP
ajfti-3193	371	11	markowitz	markowitz	PROPN
ajfti-3193	371	12	portfolio	portfolio	PROPN
ajfti-3193	371	13	theory	theory	PROPN
ajfti-3193	371	14	[	[	X
ajfti-3193	371	15	doctoral	doctoral	ADJ
ajfti-3193	371	16	dissertation	dissertation	NOUN
ajfti-3193	371	17	,	,	PUNCT
ajfti-3193	371	18	university	university	NOUN
ajfti-3193	371	19	of	of	ADP
ajfti-3193	371	20	nairobi	nairobi	PROPN
ajfti-3193	371	21	]	]	PUNCT
ajfti-3193	371	22	.	.	PUNCT
ajfti-3193	372	1	university	university	PROPN
ajfti-3193	372	2	of	of	ADP
ajfti-3193	372	3	nairobi	nairobi	PROPN
ajfti-3193	372	4	repository	repository	PROPN
ajfti-3193	372	5	.	.	PUNCT
ajfti-3193	373	1	michalkova	michalkova	PROPN
ajfti-3193	373	2	,	,	PUNCT
ajfti-3193	373	3	l.	l.	PROPN
ajfti-3193	373	4	,	,	PUNCT
ajfti-3193	373	5	stehel	stehel	PROPN
ajfti-3193	373	6	,	,	PUNCT
ajfti-3193	373	7	v.	v.	PROPN
ajfti-3193	373	8	,	,	PUNCT
ajfti-3193	373	9	nica	nica	PROPN
ajfti-3193	373	10	,	,	PUNCT
ajfti-3193	373	11	e.	e.	PROPN
ajfti-3193	373	12	,	,	PUNCT
ajfti-3193	373	13	&	&	CCONJ
ajfti-3193	373	14	durana	durana	PROPN
ajfti-3193	373	15	,	,	PUNCT
ajfti-3193	373	16	p.	p.	NOUN
ajfti-3193	373	17	(	(	PUNCT
ajfti-3193	373	18	2021	2021	NUM
ajfti-3193	373	19	)	)	PUNCT
ajfti-3193	373	20	.	.	PUNCT
ajfti-3193	374	1	corporate	corporate	ADJ
ajfti-3193	374	2	management	management	NOUN
ajfti-3193	374	3	:	:	PUNCT
ajfti-3193	374	4	capital	capital	NOUN
ajfti-3193	374	5	structure	structure	NOUN
ajfti-3193	374	6	and	and	CCONJ
ajfti-3193	374	7	tax	tax	NOUN
ajfti-3193	374	8	shields	shield	NOUN
ajfti-3193	374	9	.	.	PUNCT
ajfti-3193	375	1	marketing	marketing	NOUN
ajfti-3193	375	2	i	i	PRON
ajfti-3193	375	3	menedžment	menedžment	VERB
ajfti-3193	375	4	innovacij	innovacij	PROPN
ajfti-3193	375	5	,	,	PUNCT
ajfti-3193	375	6	3	3	NUM
ajfti-3193	375	7	,	,	PUNCT
ajfti-3193	375	8	276	276	NUM
ajfti-3193	375	9	-	-	SYM
ajfti-3193	375	10	295	295	NUM
ajfti-3193	375	11	.	.	PUNCT
ajfti-3193	376	1	moshashai	moshashai	PROPN
ajfti-3193	376	2	,	,	PUNCT
ajfti-3193	376	3	d.	d.	PROPN
ajfti-3193	376	4	,	,	PUNCT
ajfti-3193	376	5	leber	leber	PROPN
ajfti-3193	376	6	,	,	PUNCT
ajfti-3193	376	7	a.	a.	NOUN
ajfti-3193	376	8	m.	m.	NOUN
ajfti-3193	376	9	,	,	PUNCT
ajfti-3193	376	10	&	&	CCONJ
ajfti-3193	376	11	savage	savage	NOUN
ajfti-3193	376	12	,	,	PUNCT
ajfti-3193	376	13	j.	j.	PROPN
ajfti-3193	376	14	d.	d.	PROPN
ajfti-3193	376	15	(	(	PUNCT
ajfti-3193	376	16	2020	2020	NUM
ajfti-3193	376	17	)	)	PUNCT
ajfti-3193	376	18	.	.	PUNCT
ajfti-3193	377	1	saudi	saudi	PROPN
ajfti-3193	377	2	arabia	arabia	PROPN
ajfti-3193	377	3	plans	plan	VERB
ajfti-3193	377	4	for	for	ADP
ajfti-3193	377	5	its	its	PRON
ajfti-3193	377	6	economic	economic	ADJ
ajfti-3193	377	7	future	future	NOUN
ajfti-3193	377	8	:	:	PUNCT
ajfti-3193	377	9	vision	vision	NOUN
ajfti-3193	377	10	2030	2030	NUM
ajfti-3193	377	11	,	,	PUNCT
ajfti-3193	377	12	the	the	DET
ajfti-3193	377	13	national	national	ADJ
ajfti-3193	377	14	transformation	transformation	NOUN
ajfti-3193	377	15	plan	plan	NOUN
ajfti-3193	377	16	and	and	CCONJ
ajfti-3193	377	17	saudi	saudi	ADJ
ajfti-3193	377	18	fiscal	fiscal	ADJ
ajfti-3193	377	19	reform	reform	NOUN
ajfti-3193	377	20	.	.	PUNCT
ajfti-3193	378	1	british	british	ADJ
ajfti-3193	378	2	journal	journal	PROPN
ajfti-3193	378	3	of	of	ADP
ajfti-3193	378	4	middle	middle	ADJ
ajfti-3193	378	5	eastern	eastern	ADJ
ajfti-3193	378	6	studies	study	NOUN
ajfti-3193	378	7	,	,	PUNCT
ajfti-3193	378	8	47(3	47(3	NOUN
ajfti-3193	378	9	)	)	PUNCT
ajfti-3193	378	10	,	,	PUNCT
ajfti-3193	378	11	381	381	NUM
ajfti-3193	378	12	-	-	SYM
ajfti-3193	378	13	401	401	NUM
ajfti-3193	378	14	.	.	PUNCT
ajfti-3193	379	1	nicodano	nicodano	PROPN
ajfti-3193	379	2	,	,	PUNCT
ajfti-3193	379	3	g.	g.	PROPN
ajfti-3193	379	4	,	,	PUNCT
ajfti-3193	379	5	&	&	CCONJ
ajfti-3193	379	6	regis	regis	PROPN
ajfti-3193	379	7	,	,	PUNCT
ajfti-3193	379	8	l.	l.	PROPN
ajfti-3193	379	9	(	(	PUNCT
ajfti-3193	379	10	2019	2019	NUM
ajfti-3193	379	11	)	)	PUNCT
ajfti-3193	379	12	.	.	PUNCT
ajfti-3193	380	1	a	a	DET
ajfti-3193	380	2	tradeoff	tradeoff	NOUN
ajfti-3193	380	3	theory	theory	NOUN
ajfti-3193	380	4	of	of	ADP
ajfti-3193	380	5	ownership	ownership	NOUN
ajfti-3193	380	6	and	and	CCONJ
ajfti-3193	380	7	capital	capital	NOUN
ajfti-3193	380	8	structure	structure	NOUN
ajfti-3193	380	9	.	.	PUNCT
ajfti-3193	381	1	journal	journal	NOUN
ajfti-3193	381	2	of	of	ADP
ajfti-3193	381	3	financial	financial	ADJ
ajfti-3193	381	4	economics	economic	NOUN
ajfti-3193	381	5	,	,	PUNCT
ajfti-3193	381	6	131(3	131(3	NUM
ajfti-3193	381	7	)	)	PUNCT
ajfti-3193	381	8	,	,	PUNCT
ajfti-3193	381	9	715	715	NUM
ajfti-3193	381	10	-	-	SYM
ajfti-3193	381	11	735	735	NUM
ajfti-3193	381	12	.	.	PUNCT
ajfti-3193	382	1	o’sullivan	o’sullivan	PROPN
ajfti-3193	382	2	,	,	PUNCT
ajfti-3193	382	3	p.	p.	NOUN
ajfti-3193	382	4	(	(	PUNCT
ajfti-3193	382	5	2018	2018	NUM
ajfti-3193	382	6	)	)	PUNCT
ajfti-3193	382	7	.	.	PUNCT
ajfti-3193	383	1	the	the	DET
ajfti-3193	383	2	capital	capital	NOUN
ajfti-3193	383	3	asset	asset	NOUN
ajfti-3193	383	4	pricing	pricing	NOUN
ajfti-3193	383	5	model	model	NOUN
ajfti-3193	383	6	and	and	CCONJ
ajfti-3193	383	7	the	the	DET
ajfti-3193	383	8	efficient	efficient	ADJ
ajfti-3193	383	9	markets	market	NOUN
ajfti-3193	383	10	hypothesis	hypothesis	NOUN
ajfti-3193	383	11	:	:	PUNCT
ajfti-3193	383	12	the	the	DET
ajfti-3193	383	13	compelling	compelling	ADJ
ajfti-3193	383	14	fairy	fairy	NOUN
ajfti-3193	383	15	tale	tale	NOUN
ajfti-3193	383	16	of	of	ADP
ajfti-3193	383	17	contemporary	contemporary	ADJ
ajfti-3193	383	18	financial	financial	ADJ
ajfti-3193	383	19	economics	economic	NOUN
ajfti-3193	383	20	.	.	PUNCT
ajfti-3193	384	1	international	international	ADJ
ajfti-3193	384	2	journal	journal	NOUN
ajfti-3193	384	3	of	of	ADP
ajfti-3193	384	4	political	political	ADJ
ajfti-3193	384	5	economy	economy	NOUN
ajfti-3193	384	6	,	,	PUNCT
ajfti-3193	384	7	47(3	47(3	NUM
ajfti-3193	384	8	-	-	SYM
ajfti-3193	384	9	4	4	NUM
ajfti-3193	384	10	)	)	PUNCT
ajfti-3193	384	11	,	,	PUNCT
ajfti-3193	384	12	225	225	NUM
ajfti-3193	384	13	-	-	SYM
ajfti-3193	384	14	252	252	NUM
ajfti-3193	384	15	.	.	PUNCT
ajfti-3193	385	1	ramady	ramady	PROPN
ajfti-3193	385	2	,	,	PUNCT
ajfti-3193	385	3	m.	m.	NOUN
ajfti-3193	385	4	a.	a.	NOUN
ajfti-3193	385	5	(	(	PUNCT
ajfti-3193	385	6	2021	2021	NUM
ajfti-3193	385	7	)	)	PUNCT
ajfti-3193	385	8	.	.	PUNCT
ajfti-3193	386	1	financial	financial	ADJ
ajfti-3193	386	2	regulation	regulation	NOUN
ajfti-3193	386	3	and	and	CCONJ
ajfti-3193	386	4	liberation	liberation	NOUN
ajfti-3193	386	5	:	:	PUNCT
ajfti-3193	386	6	saudi	saudi	PROPN
ajfti-3193	386	7	arabia	arabia	PROPN
ajfti-3193	386	8	’s	’s	PART
ajfti-3193	386	9	path	path	NOUN
ajfti-3193	386	10	towards	towards	ADP
ajfti-3193	386	11	true	true	ADJ
ajfti-3193	386	12	global	global	ADJ
ajfti-3193	386	13	partnership	partnership	NOUN
ajfti-3193	386	14	.	.	PUNCT
ajfti-3193	387	1	springer	springer	PROPN
ajfti-3193	387	2	nature	nature	PROPN
ajfti-3193	387	3	.	.	PUNCT
ajfti-3193	388	1	roychoudhury	roychoudhury	PROPN
ajfti-3193	388	2	,	,	PUNCT
ajfti-3193	388	3	s.	s.	PROPN
ajfti-3193	388	4	(	(	PUNCT
ajfti-3193	388	5	2018	2018	NUM
ajfti-3193	388	6	)	)	PUNCT
ajfti-3193	388	7	.	.	PUNCT
ajfti-3193	389	1	creating	create	VERB
ajfti-3193	389	2	optimal	optimal	ADJ
ajfti-3193	389	3	portfolio	portfolio	NOUN
ajfti-3193	389	4	and	and	CCONJ
ajfti-3193	389	5	the	the	DET
ajfti-3193	389	6	efficient	efficient	ADJ
ajfti-3193	389	7	frontier	frontier	NOUN
ajfti-3193	389	8	using	use	VERB
ajfti-3193	389	9	microsoft	microsoft	PROPN
ajfti-3193	389	10	excel	excel	PROPN
ajfti-3193	389	11	®	®	PROPN
ajfti-3193	389	12	.	.	PUNCT
ajfti-3193	390	1	journal	journal	PROPN
ajfti-3193	390	2	of	of	ADP
ajfti-3193	390	3	quantitative	quantitative	ADJ
ajfti-3193	390	4	methods	method	NOUN
ajfti-3193	390	5	,	,	PUNCT
ajfti-3193	390	6	2(2	2(2	NUM
ajfti-3193	390	7	)	)	PUNCT
ajfti-3193	390	8	,	,	PUNCT
ajfti-3193	390	9	104	104	NUM
ajfti-3193	390	10	.	.	PUNCT
ajfti-3193	391	1	pa	pa	PROPN
ajfti-3193	391	2	ge	ge	PROPN
ajfti-3193	391	3	43	43	NUM
ajfti-3193	391	4	https://journals.e-palli.com/home/index.php/ajfti	https://journals.e-palli.com/home/index.php/ajfti	NOUN
ajfti-3193	391	5	am	be	AUX
ajfti-3193	391	6	.	.	PUNCT
ajfti-3193	392	1	j.	j.	PROPN
ajfti-3193	392	2	financ	financ	PROPN
ajfti-3193	392	3	.	.	PUNCT
ajfti-3193	393	1	technol	technol	PROPN
ajfti-3193	393	2	.	.	PUNCT
ajfti-3193	393	3	innov	innov	PROPN
ajfti-3193	393	4	.	.	PUNCT
ajfti-3193	394	1	2(1	2(1	NUM
ajfti-3193	394	2	)	)	PUNCT
ajfti-3193	394	3	33	33	NUM
ajfti-3193	394	4	-	-	SYM
ajfti-3193	394	5	43	43	NUM
ajfti-3193	394	6	,	,	PUNCT
ajfti-3193	394	7	2024	2024	NUM
ajfti-3193	394	8	sakib	sakib	NOUN
ajfti-3193	394	9	,	,	PUNCT
ajfti-3193	394	10	s.	s.	PROPN
ajfti-3193	394	11	n.	n.	PROPN
ajfti-3193	394	12	(	(	PUNCT
ajfti-3193	394	13	2021	2021	NUM
ajfti-3193	394	14	)	)	PUNCT
ajfti-3193	394	15	.	.	PUNCT
ajfti-3193	395	1	a	a	DET
ajfti-3193	395	2	research	research	NOUN
ajfti-3193	395	3	on	on	ADP
ajfti-3193	395	4	stress	stress	NOUN
ajfti-3193	395	5	testing	testing	NOUN
ajfti-3193	395	6	approach	approach	NOUN
ajfti-3193	395	7	towards	towards	ADP
ajfti-3193	395	8	evaluating	evaluate	VERB
ajfti-3193	395	9	credit	credit	NOUN
ajfti-3193	395	10	risk	risk	NOUN
ajfti-3193	395	11	of	of	ADP
ajfti-3193	395	12	a	a	DET
ajfti-3193	395	13	financial	financial	ADJ
ajfti-3193	395	14	institution	institution	NOUN
ajfti-3193	395	15	.	.	PUNCT
ajfti-3193	396	1	shanmuganathan	shanmuganathan	PROPN
ajfti-3193	396	2	,	,	PUNCT
ajfti-3193	396	3	m.	m.	NOUN
ajfti-3193	396	4	(	(	PUNCT
ajfti-3193	396	5	2020	2020	NUM
ajfti-3193	396	6	)	)	PUNCT
ajfti-3193	396	7	.	.	PUNCT
ajfti-3193	397	1	behavioural	behavioural	ADJ
ajfti-3193	397	2	finance	finance	NOUN
ajfti-3193	397	3	in	in	ADP
ajfti-3193	397	4	an	an	DET
ajfti-3193	397	5	era	era	NOUN
ajfti-3193	397	6	of	of	ADP
ajfti-3193	397	7	artificial	artificial	ADJ
ajfti-3193	397	8	intelligence	intelligence	NOUN
ajfti-3193	397	9	:	:	PUNCT
ajfti-3193	397	10	longitudinal	longitudinal	ADJ
ajfti-3193	397	11	case	case	NOUN
ajfti-3193	397	12	study	study	NOUN
ajfti-3193	397	13	of	of	ADP
ajfti-3193	397	14	robo	robo	NOUN
ajfti-3193	397	15	-	-	PUNCT
ajfti-3193	397	16	advisors	advisor	NOUN
ajfti-3193	397	17	in	in	ADP
ajfti-3193	397	18	investment	investment	NOUN
ajfti-3193	397	19	decisions	decision	NOUN
ajfti-3193	397	20	.	.	PUNCT
ajfti-3193	398	1	journal	journal	NOUN
ajfti-3193	398	2	of	of	ADP
ajfti-3193	398	3	behavioral	behavioral	ADJ
ajfti-3193	398	4	and	and	CCONJ
ajfti-3193	398	5	experimental	experimental	ADJ
ajfti-3193	398	6	finance	finance	NOUN
ajfti-3193	398	7	,	,	PUNCT
ajfti-3193	398	8	27	27	NUM
ajfti-3193	398	9	,	,	PUNCT
ajfti-3193	398	10	100297	100297	NUM
ajfti-3193	398	11	.	.	PUNCT
ajfti-3193	399	1	siddika	siddika	PROPN
ajfti-3193	399	2	,	,	PUNCT
ajfti-3193	399	3	a.	a.	PROPN
ajfti-3193	399	4	,	,	PUNCT
ajfti-3193	399	5	&	&	CCONJ
ajfti-3193	399	6	haron	haron	PROPN
ajfti-3193	399	7	,	,	PUNCT
ajfti-3193	399	8	r.	r.	PROPN
ajfti-3193	399	9	(	(	PUNCT
ajfti-3193	399	10	2020	2020	NUM
ajfti-3193	399	11	)	)	PUNCT
ajfti-3193	399	12	.	.	PUNCT
ajfti-3193	400	1	capital	capital	NOUN
ajfti-3193	400	2	regulation	regulation	NOUN
ajfti-3193	400	3	and	and	CCONJ
ajfti-3193	400	4	ownership	ownership	NOUN
ajfti-3193	400	5	structure	structure	NOUN
ajfti-3193	400	6	on	on	ADP
ajfti-3193	400	7	bank	bank	NOUN
ajfti-3193	400	8	risk	risk	NOUN
ajfti-3193	400	9	.	.	PUNCT
ajfti-3193	401	1	journal	journal	NOUN
ajfti-3193	401	2	of	of	ADP
ajfti-3193	401	3	financial	financial	ADJ
ajfti-3193	401	4	regulation	regulation	NOUN
ajfti-3193	401	5	and	and	CCONJ
ajfti-3193	401	6	compliance	compliance	NOUN
ajfti-3193	401	7	,	,	PUNCT
ajfti-3193	401	8	28(1	28(1	NOUN
ajfti-3193	401	9	)	)	PUNCT
ajfti-3193	401	10	,	,	PUNCT
ajfti-3193	401	11	39	39	NUM
ajfti-3193	401	12	-	-	SYM
ajfti-3193	401	13	56	56	NUM
ajfti-3193	401	14	.	.	PUNCT
ajfti-3193	402	1	songhor	songhor	PROPN
ajfti-3193	402	2	,	,	PUNCT
ajfti-3193	402	3	s.	s.	PROPN
ajfti-3193	402	4	c.	c.	PROPN
ajfti-3193	402	5	(	(	PUNCT
ajfti-3193	402	6	2018	2018	NUM
ajfti-3193	402	7	)	)	PUNCT
ajfti-3193	402	8	.	.	PUNCT
ajfti-3193	403	1	effect	effect	NOUN
ajfti-3193	403	2	of	of	ADP
ajfti-3193	403	3	debt	debt	NOUN
ajfti-3193	403	4	financing	financing	NOUN
ajfti-3193	403	5	on	on	ADP
ajfti-3193	403	6	financial	financial	ADJ
ajfti-3193	403	7	distress	distress	NOUN
ajfti-3193	403	8	of	of	ADP
ajfti-3193	403	9	firms	firm	NOUN
ajfti-3193	403	10	listed	list	VERB
ajfti-3193	403	11	at	at	ADP
ajfti-3193	403	12	the	the	DET
ajfti-3193	403	13	nairobi	nairobi	PROPN
ajfti-3193	403	14	securities	securities	PROPN
ajfti-3193	403	15	exchange	exchange	PROPN
ajfti-3193	403	16	[	[	X
ajfti-3193	403	17	doctoral	doctoral	ADJ
ajfti-3193	403	18	dissertation	dissertation	NOUN
ajfti-3193	403	19	,	,	PUNCT
ajfti-3193	403	20	university	university	NOUN
ajfti-3193	403	21	of	of	ADP
ajfti-3193	403	22	nairobi	nairobi	PROPN
ajfti-3193	403	23	]	]	PUNCT
ajfti-3193	403	24	.	.	PUNCT
ajfti-3193	404	1	university	university	PROPN
ajfti-3193	404	2	of	of	ADP
ajfti-3193	404	3	nairobi	nairobi	PROPN
ajfti-3193	404	4	repository	repository	PROPN
ajfti-3193	404	5	.	.	PUNCT
ajfti-3193	405	1	vergara	vergara	PROPN
ajfti-3193	405	2	-	-	PUNCT
ajfti-3193	405	3	fernández	fernández	PROPN
ajfti-3193	405	4	,	,	PUNCT
ajfti-3193	405	5	m.	m.	NOUN
ajfti-3193	405	6	,	,	PUNCT
ajfti-3193	405	7	heilmann	heilmann	PROPN
ajfti-3193	405	8	,	,	PUNCT
ajfti-3193	405	9	c.	c.	PROPN
ajfti-3193	405	10	,	,	PUNCT
ajfti-3193	405	11	&	&	CCONJ
ajfti-3193	405	12	szymanowska	szymanowska	PROPN
ajfti-3193	405	13	,	,	PUNCT
ajfti-3193	405	14	m.	m.	NOUN
ajfti-3193	405	15	(	(	PUNCT
ajfti-3193	405	16	2023	2023	NUM
ajfti-3193	405	17	)	)	PUNCT
ajfti-3193	405	18	.	.	PUNCT
ajfti-3193	406	1	describing	describe	VERB
ajfti-3193	406	2	model	model	NOUN
ajfti-3193	406	3	relations	relation	NOUN
ajfti-3193	406	4	:	:	PUNCT
ajfti-3193	406	5	the	the	DET
ajfti-3193	406	6	case	case	NOUN
ajfti-3193	406	7	of	of	ADP
ajfti-3193	406	8	the	the	DET
ajfti-3193	406	9	capital	capital	NOUN
ajfti-3193	406	10	asset	asset	NOUN
ajfti-3193	406	11	pricing	pricing	NOUN
ajfti-3193	406	12	model	model	NOUN
ajfti-3193	406	13	(	(	PUNCT
ajfti-3193	406	14	capm	capm	PROPN
ajfti-3193	406	15	)	)	PUNCT
ajfti-3193	406	16	family	family	NOUN
ajfti-3193	406	17	in	in	ADP
ajfti-3193	406	18	financial	financial	ADJ
ajfti-3193	406	19	economics	economic	NOUN
ajfti-3193	406	20	.	.	PUNCT
ajfti-3193	407	1	studies	study	NOUN
ajfti-3193	407	2	in	in	ADP
ajfti-3193	407	3	history	history	NOUN
ajfti-3193	407	4	and	and	CCONJ
ajfti-3193	407	5	philosophy	philosophy	NOUN
ajfti-3193	407	6	of	of	ADP
ajfti-3193	407	7	science	science	NOUN
ajfti-3193	407	8	,	,	PUNCT
ajfti-3193	407	9	97	97	NUM
ajfti-3193	407	10	,	,	PUNCT
ajfti-3193	407	11	91	91	NUM
ajfti-3193	407	12	-	-	SYM
ajfti-3193	407	13	100	100	NUM
ajfti-3193	407	14	.	.	PUNCT
ajfti-3193	408	1	youssef	youssef	PROPN
ajfti-3193	408	2	,	,	PUNCT
ajfti-3193	408	3	m.	m.	NOUN
ajfti-3193	408	4	,	,	PUNCT
ajfti-3193	408	5	mokni	mokni	PROPN
ajfti-3193	408	6	,	,	PUNCT
ajfti-3193	408	7	k.	k.	PROPN
ajfti-3193	408	8	,	,	PUNCT
ajfti-3193	408	9	&	&	CCONJ
ajfti-3193	408	10	ajmi	ajmi	PROPN
ajfti-3193	408	11	,	,	PUNCT
ajfti-3193	408	12	a.	a.	NOUN
ajfti-3193	408	13	n.	n.	NOUN
ajfti-3193	408	14	(	(	PUNCT
ajfti-3193	408	15	2021	2021	NUM
ajfti-3193	408	16	)	)	PUNCT
ajfti-3193	408	17	.	.	PUNCT
ajfti-3193	409	1	dynamic	dynamic	ADJ
ajfti-3193	409	2	connectedness	connectedness	NOUN
ajfti-3193	409	3	between	between	ADP
ajfti-3193	409	4	stock	stock	NOUN
ajfti-3193	409	5	markets	market	NOUN
ajfti-3193	409	6	in	in	ADP
ajfti-3193	409	7	the	the	DET
ajfti-3193	409	8	presence	presence	NOUN
ajfti-3193	409	9	of	of	ADP
ajfti-3193	409	10	the	the	DET
ajfti-3193	409	11	covid-19	covid-19	PROPN
ajfti-3193	409	12	pandemic	pandemic	NOUN
ajfti-3193	409	13	:	:	PUNCT
ajfti-3193	409	14	does	do	AUX
ajfti-3193	409	15	economic	economic	ADJ
ajfti-3193	409	16	policy	policy	NOUN
ajfti-3193	409	17	uncertainty	uncertainty	NOUN
ajfti-3193	409	18	matter	matter	NOUN
ajfti-3193	409	19	?	?	PUNCT
ajfti-3193	410	1	financial	financial	ADJ
ajfti-3193	410	2	innovation	innovation	NOUN
ajfti-3193	410	3	,	,	PUNCT
ajfti-3193	410	4	7(1	7(1	NUM
ajfti-3193	410	5	)	)	PUNCT
ajfti-3193	410	6	,	,	PUNCT
ajfti-3193	410	7	13	13	NUM
ajfti-3193	410	8	.	.	X
ajfti-3193	411	1	zhang	zhang	PROPN
ajfti-3193	411	2	,	,	PUNCT
ajfti-3193	411	3	z.	z.	PROPN
ajfti-3193	411	4	(	(	PUNCT
ajfti-3193	411	5	2023	2023	NUM
ajfti-3193	411	6	)	)	PUNCT
ajfti-3193	411	7	.	.	PUNCT
ajfti-3193	412	1	certainty	certainty	PROPN
ajfti-3193	412	2	equivalent	equivalent	ADJ
ajfti-3193	412	3	,	,	PUNCT
ajfti-3193	412	4	risk	risk	NOUN
ajfti-3193	412	5	premium	premium	NOUN
ajfti-3193	412	6	and	and	CCONJ
ajfti-3193	412	7	asset	asset	NOUN
ajfti-3193	412	8	pricing	pricing	NOUN
ajfti-3193	412	9	.	.	PUNCT
ajfti-3193	413	1	in	in	ADP
ajfti-3193	413	2	fundamental	fundamental	ADJ
ajfti-3193	413	3	problems	problem	NOUN
ajfti-3193	413	4	and	and	CCONJ
ajfti-3193	413	5	solutions	solution	NOUN
ajfti-3193	413	6	in	in	ADP
ajfti-3193	413	7	finance	finance	NOUN
ajfti-3193	413	8	(	(	PUNCT
ajfti-3193	413	9	pp	pp	ADJ
ajfti-3193	413	10	.	.	PUNCT
ajfti-3193	414	1	151	151	NUM
ajfti-3193	414	2	-	-	SYM
ajfti-3193	414	3	192	192	NUM
ajfti-3193	414	4	)	)	PUNCT
ajfti-3193	414	5	.	.	PUNCT
ajfti-3193	415	1	springer	springer	NOUN
ajfti-3193	415	2	.	.	PUNCT