id	sid	tid	token	lemma	pos
arjefm-1226	1	1	american	american	PROPN
arjefm-1226	1	2	research	research	PROPN
arjefm-1226	1	3	journal	journal	PROPN
arjefm-1226	1	4	of	of	ADP
arjefm-1226	1	5	economics	economic	NOUN
arjefm-1226	1	6	,	,	PUNCT
arjefm-1226	1	7	finance	finance	NOUN
arjefm-1226	1	8	and	and	CCONJ
arjefm-1226	1	9	management	management	NOUN
arjefm-1226	1	10	volume	volume	NOUN
arjefm-1226	1	11	13	13	NUM
arjefm-1226	1	12	issue	issue	NOUN
arjefm-1226	1	13	3	3	NUM
arjefm-1226	1	14	,	,	PUNCT
arjefm-1226	1	15	july	july	PROPN
arjefm-1226	1	16	-	-	PUNCT
arjefm-1226	1	17	september	september	PROPN
arjefm-1226	1	18	2025	2025	NUM
arjefm-1226	1	19	issn	issn	NOUN
arjefm-1226	1	20	:	:	PUNCT
arjefm-1226	1	21	2836	2836	NUM
arjefm-1226	1	22	-	-	SYM
arjefm-1226	1	23	9416	9416	NUM
arjefm-1226	1	24	impact	impact	NOUN
arjefm-1226	1	25	factor	factor	NOUN
arjefm-1226	1	26	:	:	PUNCT
arjefm-1226	1	27	6.41	6.41	NUM
arjefm-1226	1	28	journal	journal	NOUN
arjefm-1226	1	29	homepage	homepage	NOUN
arjefm-1226	1	30	:	:	PUNCT
arjefm-1226	1	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	1	32	email	email	NOUN
arjefm-1226	1	33	:	:	PUNCT
arjefm-1226	1	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	1	35	official	official	ADJ
arjefm-1226	1	36	journal	journal	PROPN
arjefm-1226	1	37	of	of	ADP
arjefm-1226	1	38	america	america	PROPN
arjefm-1226	1	39	serial	serial	PROPN
arjefm-1226	1	40	publication	publication	NOUN
arjefm-1226	1	41	american	american	PROPN
arjefm-1226	1	42	research	research	PROPN
arjefm-1226	1	43	journal	journal	PROPN
arjefm-1226	1	44	of	of	ADP
arjefm-1226	1	45	economics	economic	NOUN
arjefm-1226	1	46	,	,	PUNCT
arjefm-1226	1	47	finance	finance	NOUN
arjefm-1226	1	48	and	and	CCONJ
arjefm-1226	1	49	management	management	NOUN
arjefm-1226	1	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	1	51	,	,	PUNCT
arjefm-1226	1	52	email	email	NOUN
arjefm-1226	1	53	:	:	PUNCT
arjefm-1226	1	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	2	1	24	24	NUM
arjefm-1226	3	1	|	|	ADV
arjefm-1226	3	2	p	p	X
arjefm-1226	3	3	a	a	DET
arjefm-1226	3	4	g	g	NOUN
arjefm-1226	3	5	e	e	NOUN
arjefm-1226	3	6	portfolio	portfolio	NOUN
arjefm-1226	3	7	diversification	diversification	NOUN
arjefm-1226	3	8	and	and	CCONJ
arjefm-1226	3	9	operational	operational	ADJ
arjefm-1226	3	10	resilience	resilience	NOUN
arjefm-1226	3	11	of	of	ADP
arjefm-1226	3	12	banks	bank	NOUN
arjefm-1226	3	13	in	in	ADP
arjefm-1226	3	14	nigeria	nigeria	PRON
arjefm-1226	3	15	.	.	PUNCT
arjefm-1226	4	1	1oliogu	1oliogu	NUM
arjefm-1226	4	2	,	,	PUNCT
arjefm-1226	4	3	e.o	e.o	PROPN
arjefm-1226	4	4	.	.	PROPN
arjefm-1226	4	5	ph.d	ph.d	PROPN
arjefm-1226	5	1	2eyamu	2eyamu	PROPN
arjefm-1226	5	2	,	,	PUNCT
arjefm-1226	5	3	f.o	f.o	PROPN
arjefm-1226	5	4	.	.	PROPN
arjefm-1226	5	5	and	and	CCONJ
arjefm-1226	5	6	3biwei	3biwei	NUM
arjefm-1226	5	7	,	,	PUNCT
arjefm-1226	5	8	t.	t.	PROPN
arjefm-1226	5	9	a.	a.	NOUN
arjefm-1226	5	10	phd	phd	PROPN
arjefm-1226	5	11	.	.	PROPN
arjefm-1226	6	1	1	1	NUM
arjefm-1226	6	2	,	,	PUNCT
arjefm-1226	6	3	2department	2department	NUM
arjefm-1226	6	4	of	of	ADP
arjefm-1226	6	5	banking	banking	NOUN
arjefm-1226	6	6	and	and	CCONJ
arjefm-1226	6	7	finance	finance	NOUN
arjefm-1226	6	8	,	,	PUNCT
arjefm-1226	6	9	dennis	dennis	PROPN
arjefm-1226	6	10	osadebay	osadebay	PROPN
arjefm-1226	6	11	university	university	PROPN
arjefm-1226	6	12	,	,	PUNCT
arjefm-1226	6	13	delta	delta	NOUN
arjefm-1226	6	14	state	state	NOUN
arjefm-1226	6	15	.	.	PUNCT
arjefm-1226	7	1	3federal	3federal	NUM
arjefm-1226	7	2	college	college	NOUN
arjefm-1226	7	3	of	of	ADP
arjefm-1226	7	4	education	education	NOUN
arjefm-1226	7	5	,	,	PUNCT
arjefm-1226	7	6	delta	delta	NOUN
arjefm-1226	7	7	state	state	NOUN
arjefm-1226	7	8	.	.	PUNCT
arjefm-1226	8	1	correspondence	correspondence	NOUN
arjefm-1226	8	2	e	e	NOUN
arjefm-1226	8	3	-	-	NOUN
arjefm-1226	8	4	mail	mail	NOUN
arjefm-1226	8	5	:	:	PUNCT
arjefm-1226	8	6	efemenaoliogu@dou.edu.ng	efemenaoliogu@dou.edu.ng	ADJ
arjefm-1226	8	7	doi	doi	NOUN
arjefm-1226	8	8	:	:	PUNCT
arjefm-1226	8	9	https://doi.org/10.5281/zenodo.15854079	https://doi.org/10.5281/zenodo.15854079	X
arjefm-1226	8	10	abstract	abstract	NOUN
arjefm-1226	8	11	:	:	PUNCT
arjefm-1226	8	12	this	this	DET
arjefm-1226	8	13	study	study	NOUN
arjefm-1226	8	14	investigates	investigate	VERB
arjefm-1226	8	15	how	how	SCONJ
arjefm-1226	8	16	different	different	ADJ
arjefm-1226	8	17	portfolio	portfolio	NOUN
arjefm-1226	8	18	diversification	diversification	NOUN
arjefm-1226	8	19	strategies	strategy	NOUN
arjefm-1226	8	20	affect	affect	VERB
arjefm-1226	8	21	the	the	DET
arjefm-1226	8	22	operational	operational	ADJ
arjefm-1226	8	23	resilience	resilience	NOUN
arjefm-1226	8	24	of	of	ADP
arjefm-1226	8	25	nigerian	nigerian	ADJ
arjefm-1226	8	26	banks	bank	NOUN
arjefm-1226	8	27	between	between	ADP
arjefm-1226	8	28	2008	2008	NUM
arjefm-1226	8	29	and	and	CCONJ
arjefm-1226	8	30	2022	2022	NUM
arjefm-1226	8	31	.	.	PUNCT
arjefm-1226	9	1	the	the	DET
arjefm-1226	9	2	research	research	NOUN
arjefm-1226	9	3	addresses	address	VERB
arjefm-1226	9	4	the	the	DET
arjefm-1226	9	5	problem	problem	NOUN
arjefm-1226	9	6	of	of	ADP
arjefm-1226	9	7	instability	instability	NOUN
arjefm-1226	9	8	in	in	ADP
arjefm-1226	9	9	the	the	DET
arjefm-1226	9	10	nigerian	nigerian	ADJ
arjefm-1226	9	11	banking	banking	NOUN
arjefm-1226	9	12	sector	sector	NOUN
arjefm-1226	9	13	,	,	PUNCT
arjefm-1226	9	14	especially	especially	ADV
arjefm-1226	9	15	during	during	ADP
arjefm-1226	9	16	economic	economic	ADJ
arjefm-1226	9	17	crises	crisis	NOUN
arjefm-1226	9	18	like	like	ADP
arjefm-1226	9	19	the	the	DET
arjefm-1226	9	20	2008	2008	NUM
arjefm-1226	9	21	financial	financial	ADJ
arjefm-1226	9	22	crash	crash	NOUN
arjefm-1226	9	23	and	and	CCONJ
arjefm-1226	9	24	the	the	DET
arjefm-1226	9	25	covid-19	covid-19	PROPN
arjefm-1226	9	26	downturn	downturn	NOUN
arjefm-1226	9	27	,	,	PUNCT
arjefm-1226	9	28	and	and	CCONJ
arjefm-1226	9	29	explores	explore	VERB
arjefm-1226	9	30	whether	whether	SCONJ
arjefm-1226	9	31	diversification	diversification	NOUN
arjefm-1226	9	32	can	can	AUX
arjefm-1226	9	33	enhance	enhance	VERB
arjefm-1226	9	34	banks	bank	NOUN
arjefm-1226	9	35	’	'	PUNCT
arjefm-1226	9	36	ability	ability	NOUN
arjefm-1226	9	37	to	to	PART
arjefm-1226	9	38	withstand	withstand	VERB
arjefm-1226	9	39	such	such	ADJ
arjefm-1226	9	40	shocks	shock	NOUN
arjefm-1226	9	41	.	.	PUNCT
arjefm-1226	10	1	using	use	VERB
arjefm-1226	10	2	time	time	NOUN
arjefm-1226	10	3	series	series	PROPN
arjefm-1226	10	4	data	datum	NOUN
arjefm-1226	10	5	from	from	ADP
arjefm-1226	10	6	the	the	DET
arjefm-1226	10	7	central	central	ADJ
arjefm-1226	10	8	bank	bank	PROPN
arjefm-1226	10	9	of	of	ADP
arjefm-1226	10	10	nigeria	nigeria	PROPN
arjefm-1226	10	11	and	and	CCONJ
arjefm-1226	10	12	the	the	DET
arjefm-1226	10	13	ndic	ndic	ADJ
arjefm-1226	10	14	,	,	PUNCT
arjefm-1226	10	15	the	the	DET
arjefm-1226	10	16	study	study	NOUN
arjefm-1226	10	17	applied	apply	VERB
arjefm-1226	10	18	ordinary	ordinary	ADJ
arjefm-1226	10	19	least	least	ADJ
arjefm-1226	10	20	squares	square	NOUN
arjefm-1226	10	21	(	(	PUNCT
arjefm-1226	10	22	ols	ol	NOUN
arjefm-1226	10	23	)	)	PUNCT
arjefm-1226	10	24	regression	regression	NOUN
arjefm-1226	10	25	to	to	PART
arjefm-1226	10	26	examine	examine	VERB
arjefm-1226	10	27	the	the	DET
arjefm-1226	10	28	effects	effect	NOUN
arjefm-1226	10	29	of	of	ADP
arjefm-1226	10	30	four	four	NUM
arjefm-1226	10	31	diversification	diversification	NOUN
arjefm-1226	10	32	strategies	strategy	NOUN
arjefm-1226	10	33	:	:	PUNCT
arjefm-1226	10	34	asset	asset	NOUN
arjefm-1226	10	35	,	,	PUNCT
arjefm-1226	10	36	deposit	deposit	NOUN
arjefm-1226	10	37	,	,	PUNCT
arjefm-1226	10	38	investment	investment	NOUN
arjefm-1226	10	39	,	,	PUNCT
arjefm-1226	10	40	and	and	CCONJ
arjefm-1226	10	41	product	product	NOUN
arjefm-1226	10	42	diversification	diversification	NOUN
arjefm-1226	10	43	.	.	PUNCT
arjefm-1226	11	1	the	the	DET
arjefm-1226	11	2	dependent	dependent	ADJ
arjefm-1226	11	3	variable	variable	NOUN
arjefm-1226	11	4	was	be	AUX
arjefm-1226	11	5	operational	operational	ADJ
arjefm-1226	11	6	resilience	resilience	NOUN
arjefm-1226	11	7	,	,	PUNCT
arjefm-1226	11	8	measured	measure	VERB
arjefm-1226	11	9	by	by	ADP
arjefm-1226	11	10	operational	operational	ADJ
arjefm-1226	11	11	efficiency	efficiency	NOUN
arjefm-1226	11	12	.	.	PUNCT
arjefm-1226	12	1	findings	finding	NOUN
arjefm-1226	12	2	revealed	reveal	VERB
arjefm-1226	12	3	that	that	SCONJ
arjefm-1226	12	4	asset	asset	NOUN
arjefm-1226	12	5	and	and	CCONJ
arjefm-1226	12	6	deposit	deposit	NOUN
arjefm-1226	12	7	diversification	diversification	NOUN
arjefm-1226	12	8	significantly	significantly	ADV
arjefm-1226	12	9	improve	improve	VERB
arjefm-1226	12	10	resilience	resilience	NOUN
arjefm-1226	12	11	,	,	PUNCT
arjefm-1226	12	12	with	with	ADP
arjefm-1226	12	13	deposit	deposit	NOUN
arjefm-1226	12	14	diversification	diversification	NOUN
arjefm-1226	12	15	having	have	VERB
arjefm-1226	12	16	the	the	DET
arjefm-1226	12	17	strongest	strong	ADJ
arjefm-1226	12	18	positive	positive	ADJ
arjefm-1226	12	19	effect	effect	NOUN
arjefm-1226	12	20	.	.	PUNCT
arjefm-1226	13	1	however	however	ADV
arjefm-1226	13	2	,	,	PUNCT
arjefm-1226	13	3	investment	investment	NOUN
arjefm-1226	13	4	diversification	diversification	NOUN
arjefm-1226	13	5	had	have	VERB
arjefm-1226	13	6	no	no	DET
arjefm-1226	13	7	significant	significant	ADJ
arjefm-1226	13	8	impact	impact	NOUN
arjefm-1226	13	9	,	,	PUNCT
arjefm-1226	13	10	and	and	CCONJ
arjefm-1226	13	11	product	product	NOUN
arjefm-1226	13	12	diversification	diversification	NOUN
arjefm-1226	13	13	had	have	VERB
arjefm-1226	13	14	a	a	DET
arjefm-1226	13	15	negative	negative	ADJ
arjefm-1226	13	16	effect	effect	NOUN
arjefm-1226	13	17	,	,	PUNCT
arjefm-1226	13	18	suggesting	suggest	VERB
arjefm-1226	13	19	that	that	SCONJ
arjefm-1226	13	20	expanding	expand	VERB
arjefm-1226	13	21	into	into	ADP
arjefm-1226	13	22	too	too	ADV
arjefm-1226	13	23	many	many	ADJ
arjefm-1226	13	24	product	product	NOUN
arjefm-1226	13	25	lines	line	NOUN
arjefm-1226	13	26	may	may	AUX
arjefm-1226	13	27	reduce	reduce	VERB
arjefm-1226	13	28	efficiency	efficiency	NOUN
arjefm-1226	13	29	and	and	CCONJ
arjefm-1226	13	30	stability	stability	NOUN
arjefm-1226	13	31	.	.	PUNCT
arjefm-1226	14	1	the	the	DET
arjefm-1226	14	2	study	study	NOUN
arjefm-1226	14	3	concludes	conclude	VERB
arjefm-1226	14	4	that	that	SCONJ
arjefm-1226	14	5	nigerian	nigerian	ADJ
arjefm-1226	14	6	banks	bank	NOUN
arjefm-1226	14	7	can	can	AUX
arjefm-1226	14	8	boost	boost	VERB
arjefm-1226	14	9	their	their	PRON
arjefm-1226	14	10	resilience	resilience	NOUN
arjefm-1226	14	11	through	through	ADP
arjefm-1226	14	12	strategic	strategic	ADJ
arjefm-1226	14	13	asset	asset	NOUN
arjefm-1226	14	14	and	and	CCONJ
arjefm-1226	14	15	deposit	deposit	NOUN
arjefm-1226	14	16	diversification	diversification	NOUN
arjefm-1226	14	17	but	but	CCONJ
arjefm-1226	14	18	should	should	AUX
arjefm-1226	14	19	be	be	AUX
arjefm-1226	14	20	cautious	cautious	ADJ
arjefm-1226	14	21	with	with	ADP
arjefm-1226	14	22	product	product	NOUN
arjefm-1226	14	23	diversification	diversification	NOUN
arjefm-1226	14	24	to	to	PART
arjefm-1226	14	25	avoid	avoid	VERB
arjefm-1226	14	26	operational	operational	ADJ
arjefm-1226	14	27	strain	strain	NOUN
arjefm-1226	14	28	.	.	PUNCT
arjefm-1226	15	1	1.0	1.0	NUM
arjefm-1226	15	2	introduction	introduction	NOUN
arjefm-1226	15	3	the	the	DET
arjefm-1226	15	4	nigerian	nigerian	ADJ
arjefm-1226	15	5	banking	banking	NOUN
arjefm-1226	15	6	sector	sector	NOUN
arjefm-1226	15	7	operates	operate	VERB
arjefm-1226	15	8	in	in	ADP
arjefm-1226	15	9	a	a	DET
arjefm-1226	15	10	dynamic	dynamic	ADJ
arjefm-1226	15	11	environment	environment	NOUN
arjefm-1226	15	12	characterized	characterize	VERB
arjefm-1226	15	13	by	by	ADP
arjefm-1226	15	14	economic	economic	ADJ
arjefm-1226	15	15	volatility	volatility	NOUN
arjefm-1226	15	16	,	,	PUNCT
arjefm-1226	15	17	regulatory	regulatory	ADJ
arjefm-1226	15	18	changes	change	NOUN
arjefm-1226	15	19	,	,	PUNCT
arjefm-1226	15	20	foreign	foreign	ADJ
arjefm-1226	15	21	exchange	exchange	NOUN
arjefm-1226	15	22	volatility	volatility	NOUN
arjefm-1226	15	23	,	,	PUNCT
arjefm-1226	15	24	and	and	CCONJ
arjefm-1226	15	25	technological	technological	ADJ
arjefm-1226	15	26	change	change	NOUN
arjefm-1226	15	27	risk	risk	NOUN
arjefm-1226	15	28	.	.	PUNCT
arjefm-1226	16	1	banks	bank	NOUN
arjefm-1226	16	2	being	be	AUX
arjefm-1226	16	3	the	the	DET
arjefm-1226	16	4	major	major	ADJ
arjefm-1226	16	5	beneficiaries	beneficiary	NOUN
arjefm-1226	16	6	of	of	ADP
arjefm-1226	16	7	economic	economic	ADJ
arjefm-1226	16	8	boom	boom	NOUN
arjefm-1226	16	9	are	be	AUX
arjefm-1226	16	10	also	also	ADV
arjefm-1226	16	11	at	at	ADP
arjefm-1226	16	12	the	the	DET
arjefm-1226	16	13	receiving	receive	VERB
arjefm-1226	16	14	end	end	NOUN
arjefm-1226	16	15	during	during	ADP
arjefm-1226	16	16	period	period	NOUN
arjefm-1226	16	17	of	of	ADP
arjefm-1226	16	18	economic	economic	ADJ
arjefm-1226	16	19	recession	recession	NOUN
arjefm-1226	16	20	(	(	PUNCT
arjefm-1226	16	21	asemota	asemota	NOUN
arjefm-1226	16	22	&	&	CCONJ
arjefm-1226	16	23	ogedengbe	ogedengbe	PROPN
arjefm-1226	16	24	,	,	PUNCT
arjefm-1226	16	25	2023	2023	NUM
arjefm-1226	16	26	)	)	PUNCT
arjefm-1226	16	27	.	.	PUNCT
arjefm-1226	17	1	the	the	DET
arjefm-1226	17	2	demand	demand	NOUN
arjefm-1226	17	3	for	for	ADP
arjefm-1226	17	4	banking	banking	NOUN
arjefm-1226	17	5	services	service	NOUN
arjefm-1226	17	6	during	during	ADP
arjefm-1226	17	7	period	period	NOUN
arjefm-1226	17	8	of	of	ADP
arjefm-1226	17	9	boom	boom	NOUN
arjefm-1226	17	10	increases	increase	NOUN
arjefm-1226	17	11	thus	thus	ADV
arjefm-1226	17	12	causing	cause	VERB
arjefm-1226	17	13	an	an	DET
arjefm-1226	17	14	increase	increase	NOUN
arjefm-1226	17	15	in	in	ADP
arjefm-1226	17	16	their	their	PRON
arjefm-1226	17	17	profit	profit	NOUN
arjefm-1226	17	18	margin	margin	NOUN
arjefm-1226	17	19	.	.	PUNCT
arjefm-1226	18	1	however	however	ADV
arjefm-1226	18	2	,	,	PUNCT
arjefm-1226	18	3	in	in	ADP
arjefm-1226	18	4	times	time	NOUN
arjefm-1226	18	5	of	of	ADP
arjefm-1226	18	6	recessions	recession	NOUN
arjefm-1226	18	7	,	,	PUNCT
arjefm-1226	18	8	they	they	PRON
arjefm-1226	18	9	suffer	suffer	VERB
arjefm-1226	18	10	the	the	DET
arjefm-1226	18	11	consequences	consequence	NOUN
arjefm-1226	18	12	of	of	ADP
arjefm-1226	18	13	hostile	hostile	ADJ
arjefm-1226	18	14	economic	economic	ADJ
arjefm-1226	18	15	policies	policy	NOUN
arjefm-1226	18	16	.	.	PUNCT
arjefm-1226	19	1	operating	operate	VERB
arjefm-1226	19	2	in	in	ADP
arjefm-1226	19	3	such	such	ADJ
arjefm-1226	19	4	hostile	hostile	ADJ
arjefm-1226	19	5	environment	environment	NOUN
arjefm-1226	19	6	leads	lead	VERB
arjefm-1226	19	7	to	to	PART
arjefm-1226	19	8	decline	decline	VERB
arjefm-1226	19	9	in	in	ADP
arjefm-1226	19	10	their	their	PRON
arjefm-1226	19	11	revenue	revenue	NOUN
arjefm-1226	19	12	.	.	PUNCT
arjefm-1226	20	1	financial	financial	ADJ
arjefm-1226	20	2	institutions	institution	NOUN
arjefm-1226	20	3	therefore	therefore	ADV
arjefm-1226	20	4	need	need	VERB
arjefm-1226	20	5	strategies	strategy	NOUN
arjefm-1226	20	6	to	to	PART
arjefm-1226	20	7	mitigate	mitigate	VERB
arjefm-1226	20	8	risk	risk	NOUN
arjefm-1226	20	9	encountered	encounter	VERB
arjefm-1226	20	10	in	in	ADP
arjefm-1226	20	11	the	the	DET
arjefm-1226	20	12	course	course	NOUN
arjefm-1226	20	13	of	of	ADP
arjefm-1226	20	14	carrying	carry	VERB
arjefm-1226	20	15	out	out	ADP
arjefm-1226	20	16	their	their	PRON
arjefm-1226	20	17	operational	operational	ADJ
arjefm-1226	20	18	activities	activity	NOUN
arjefm-1226	20	19	in	in	ADP
arjefm-1226	20	20	order	order	NOUN
arjefm-1226	20	21	to	to	PART
arjefm-1226	20	22	cushion	cushion	VERB
arjefm-1226	20	23	the	the	DET
arjefm-1226	20	24	effect	effect	NOUN
arjefm-1226	20	25	of	of	ADP
arjefm-1226	20	26	the	the	DET
arjefm-1226	20	27	shocks	shock	NOUN
arjefm-1226	20	28	arising	arise	VERB
arjefm-1226	20	29	from	from	ADP
arjefm-1226	20	30	these	these	DET
arjefm-1226	20	31	changes	change	NOUN
arjefm-1226	20	32	.	.	PUNCT
arjefm-1226	21	1	portfolio	portfolio	NOUN
arjefm-1226	21	2	diversification	diversification	NOUN
arjefm-1226	21	3	is	be	AUX
arjefm-1226	21	4	the	the	DET
arjefm-1226	21	5	veritable	veritable	ADJ
arjefm-1226	21	6	tool	tool	NOUN
arjefm-1226	21	7	needed	need	VERB
arjefm-1226	21	8	by	by	ADP
arjefm-1226	21	9	banks	bank	NOUN
arjefm-1226	21	10	to	to	PART
arjefm-1226	21	11	manage	manage	VERB
arjefm-1226	21	12	financial	financial	ADJ
arjefm-1226	21	13	risks	risk	NOUN
arjefm-1226	21	14	to	to	PART
arjefm-1226	21	15	ensure	ensure	VERB
arjefm-1226	21	16	stability	stability	NOUN
arjefm-1226	21	17	in	in	ADP
arjefm-1226	21	18	the	the	DET
arjefm-1226	21	19	banking	banking	NOUN
arjefm-1226	21	20	sector	sector	NOUN
arjefm-1226	21	21	.	.	PUNCT
arjefm-1226	22	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	23	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	23	2	mailto:efemenaoliogu@dou.edu.ng	mailto:efemenaoliogu@dou.edu.ng	ADV
arjefm-1226	23	3	tel:2008	tel:2008	PROPN
arjefm-1226	23	4	tel:2022	tel:2022	PROPN
arjefm-1226	23	5	tel:2008	tel:2008	PROPN
arjefm-1226	23	6	american	american	PROPN
arjefm-1226	23	7	research	research	PROPN
arjefm-1226	23	8	journal	journal	PROPN
arjefm-1226	23	9	of	of	ADP
arjefm-1226	23	10	economics	economic	NOUN
arjefm-1226	23	11	,	,	PUNCT
arjefm-1226	23	12	finance	finance	NOUN
arjefm-1226	23	13	and	and	CCONJ
arjefm-1226	23	14	management	management	NOUN
arjefm-1226	23	15	volume	volume	NOUN
arjefm-1226	23	16	13	13	NUM
arjefm-1226	23	17	issue	issue	NOUN
arjefm-1226	23	18	3	3	NUM
arjefm-1226	23	19	,	,	PUNCT
arjefm-1226	23	20	july	july	PROPN
arjefm-1226	23	21	-	-	PUNCT
arjefm-1226	23	22	september	september	PROPN
arjefm-1226	23	23	2025	2025	NUM
arjefm-1226	23	24	issn	issn	NOUN
arjefm-1226	23	25	:	:	PUNCT
arjefm-1226	23	26	2836	2836	NUM
arjefm-1226	23	27	-	-	SYM
arjefm-1226	23	28	9416	9416	NUM
arjefm-1226	23	29	impact	impact	NOUN
arjefm-1226	23	30	factor	factor	NOUN
arjefm-1226	23	31	:	:	PUNCT
arjefm-1226	23	32	6.41	6.41	NUM
arjefm-1226	23	33	journal	journal	NOUN
arjefm-1226	23	34	homepage	homepage	NOUN
arjefm-1226	23	35	:	:	PUNCT
arjefm-1226	23	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	23	37	email	email	NOUN
arjefm-1226	23	38	:	:	PUNCT
arjefm-1226	23	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	23	40	official	official	ADJ
arjefm-1226	23	41	journal	journal	PROPN
arjefm-1226	23	42	of	of	ADP
arjefm-1226	23	43	america	america	PROPN
arjefm-1226	23	44	serial	serial	PROPN
arjefm-1226	23	45	publication	publication	NOUN
arjefm-1226	23	46	american	american	PROPN
arjefm-1226	23	47	research	research	PROPN
arjefm-1226	23	48	journal	journal	PROPN
arjefm-1226	23	49	of	of	ADP
arjefm-1226	23	50	economics	economic	NOUN
arjefm-1226	23	51	,	,	PUNCT
arjefm-1226	23	52	finance	finance	NOUN
arjefm-1226	23	53	and	and	CCONJ
arjefm-1226	23	54	management	management	NOUN
arjefm-1226	23	55	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	23	56	,	,	PUNCT
arjefm-1226	23	57	email	email	NOUN
arjefm-1226	23	58	:	:	PUNCT
arjefm-1226	23	59	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	24	1	25	25	NUM
arjefm-1226	25	1	|	|	ADV
arjefm-1226	25	2	p	p	X
arjefm-1226	25	3	a	a	DET
arjefm-1226	25	4	g	g	NOUN
arjefm-1226	25	5	e	e	NOUN
arjefm-1226	25	6	in	in	ADP
arjefm-1226	25	7	recent	recent	ADJ
arjefm-1226	25	8	years	year	NOUN
arjefm-1226	25	9	,	,	PUNCT
arjefm-1226	25	10	nigeria	nigeria	PROPN
arjefm-1226	25	11	went	go	VERB
arjefm-1226	25	12	through	through	ADP
arjefm-1226	25	13	a	a	DET
arjefm-1226	25	14	serious	serious	ADJ
arjefm-1226	25	15	economic	economic	ADJ
arjefm-1226	25	16	downturn	downturn	NOUN
arjefm-1226	25	17	due	due	ADP
arjefm-1226	25	18	to	to	ADP
arjefm-1226	25	19	the	the	DET
arjefm-1226	25	20	effects	effect	NOUN
arjefm-1226	25	21	of	of	ADP
arjefm-1226	25	22	covid-19	covid-19	PROPN
arjefm-1226	25	23	.	.	PUNCT
arjefm-1226	26	1	however	however	ADV
arjefm-1226	26	2	,	,	PUNCT
arjefm-1226	26	3	the	the	DET
arjefm-1226	26	4	economy	economy	NOUN
arjefm-1226	26	5	started	start	VERB
arjefm-1226	26	6	to	to	PART
arjefm-1226	26	7	recover	recover	VERB
arjefm-1226	26	8	when	when	SCONJ
arjefm-1226	26	9	restrictions	restriction	NOUN
arjefm-1226	26	10	were	be	AUX
arjefm-1226	26	11	eased	ease	VERB
arjefm-1226	26	12	.	.	PUNCT
arjefm-1226	27	1	according	accord	VERB
arjefm-1226	27	2	to	to	ADP
arjefm-1226	27	3	a	a	DET
arjefm-1226	27	4	2021	2021	NUM
arjefm-1226	27	5	report	report	NOUN
arjefm-1226	27	6	by	by	ADP
arjefm-1226	27	7	the	the	DET
arjefm-1226	27	8	world	world	PROPN
arjefm-1226	27	9	bank	bank	PROPN
arjefm-1226	27	10	,	,	PUNCT
arjefm-1226	27	11	the	the	DET
arjefm-1226	27	12	nigerian	nigerian	ADJ
arjefm-1226	27	13	government	government	NOUN
arjefm-1226	27	14	introduced	introduce	VERB
arjefm-1226	27	15	several	several	ADJ
arjefm-1226	27	16	important	important	ADJ
arjefm-1226	27	17	policy	policy	NOUN
arjefm-1226	27	18	changes	change	NOUN
arjefm-1226	27	19	.	.	PUNCT
arjefm-1226	28	1	these	these	PRON
arjefm-1226	28	2	included	include	VERB
arjefm-1226	28	3	unifying	unify	VERB
arjefm-1226	28	4	the	the	DET
arjefm-1226	28	5	exchange	exchange	NOUN
arjefm-1226	28	6	rate	rate	NOUN
arjefm-1226	28	7	,	,	PUNCT
arjefm-1226	28	8	removing	remove	VERB
arjefm-1226	28	9	fuel	fuel	NOUN
arjefm-1226	28	10	subsidies	subsidy	NOUN
arjefm-1226	28	11	,	,	PUNCT
arjefm-1226	28	12	and	and	CCONJ
arjefm-1226	28	13	adjusting	adjust	VERB
arjefm-1226	28	14	electricity	electricity	NOUN
arjefm-1226	28	15	prices	price	NOUN
arjefm-1226	28	16	to	to	PART
arjefm-1226	28	17	better	well	ADV
arjefm-1226	28	18	reflect	reflect	VERB
arjefm-1226	28	19	actual	actual	ADJ
arjefm-1226	28	20	costs	cost	NOUN
arjefm-1226	28	21	.	.	PUNCT
arjefm-1226	29	1	the	the	DET
arjefm-1226	29	2	banking	banking	NOUN
arjefm-1226	29	3	sector	sector	NOUN
arjefm-1226	29	4	was	be	AUX
arjefm-1226	29	5	also	also	ADV
arjefm-1226	29	6	affected	affect	VERB
arjefm-1226	29	7	by	by	ADP
arjefm-1226	29	8	these	these	DET
arjefm-1226	29	9	changes	change	NOUN
arjefm-1226	29	10	.	.	PUNCT
arjefm-1226	30	1	banks	bank	NOUN
arjefm-1226	30	2	play	play	VERB
arjefm-1226	30	3	a	a	DET
arjefm-1226	30	4	key	key	ADJ
arjefm-1226	30	5	role	role	NOUN
arjefm-1226	30	6	in	in	ADP
arjefm-1226	30	7	the	the	DET
arjefm-1226	30	8	growth	growth	NOUN
arjefm-1226	30	9	of	of	ADP
arjefm-1226	30	10	any	any	DET
arjefm-1226	30	11	country	country	NOUN
arjefm-1226	30	12	because	because	SCONJ
arjefm-1226	30	13	they	they	PRON
arjefm-1226	30	14	provide	provide	VERB
arjefm-1226	30	15	services	service	NOUN
arjefm-1226	30	16	like	like	ADP
arjefm-1226	30	17	loans	loan	NOUN
arjefm-1226	30	18	and	and	CCONJ
arjefm-1226	30	19	savings	saving	NOUN
arjefm-1226	30	20	that	that	PRON
arjefm-1226	30	21	support	support	VERB
arjefm-1226	30	22	business	business	NOUN
arjefm-1226	30	23	activities	activity	NOUN
arjefm-1226	30	24	and	and	CCONJ
arjefm-1226	30	25	the	the	DET
arjefm-1226	30	26	economy	economy	NOUN
arjefm-1226	30	27	in	in	ADP
arjefm-1226	30	28	general	general	ADJ
arjefm-1226	30	29	.	.	PUNCT
arjefm-1226	31	1	according	accord	VERB
arjefm-1226	31	2	to	to	ADP
arjefm-1226	31	3	jibrin	jibrin	PROPN
arjefm-1226	31	4	et	et	PROPN
arjefm-1226	31	5	al	al	PROPN
arjefm-1226	31	6	.	.	PROPN
arjefm-1226	32	1	(	(	PUNCT
arjefm-1226	32	2	2022	2022	NUM
arjefm-1226	32	3	)	)	PUNCT
arjefm-1226	32	4	,	,	PUNCT
arjefm-1226	32	5	the	the	DET
arjefm-1226	32	6	strength	strength	NOUN
arjefm-1226	32	7	of	of	ADP
arjefm-1226	32	8	a	a	DET
arjefm-1226	32	9	country	country	NOUN
arjefm-1226	32	10	’s	’s	PART
arjefm-1226	32	11	economy	economy	NOUN
arjefm-1226	32	12	is	be	AUX
arjefm-1226	32	13	closely	closely	ADV
arjefm-1226	32	14	linked	link	VERB
arjefm-1226	32	15	to	to	ADP
arjefm-1226	32	16	the	the	DET
arjefm-1226	32	17	health	health	NOUN
arjefm-1226	32	18	of	of	ADP
arjefm-1226	32	19	its	its	PRON
arjefm-1226	32	20	banking	banking	NOUN
arjefm-1226	32	21	system	system	NOUN
arjefm-1226	32	22	.	.	PUNCT
arjefm-1226	33	1	the	the	DET
arjefm-1226	33	2	21st	21st	ADJ
arjefm-1226	33	3	century	century	NOUN
arjefm-1226	33	4	banking	banking	NOUN
arjefm-1226	33	5	sector	sector	NOUN
arjefm-1226	33	6	operates	operate	VERB
arjefm-1226	33	7	in	in	ADP
arjefm-1226	33	8	a	a	DET
arjefm-1226	33	9	fast	fast	ADV
arjefm-1226	33	10	-	-	PUNCT
arjefm-1226	33	11	changing	change	VERB
arjefm-1226	33	12	and	and	CCONJ
arjefm-1226	33	13	competitive	competitive	ADJ
arjefm-1226	33	14	environment	environment	NOUN
arjefm-1226	33	15	,	,	PUNCT
arjefm-1226	33	16	which	which	PRON
arjefm-1226	33	17	has	have	AUX
arjefm-1226	33	18	pushed	push	VERB
arjefm-1226	33	19	banks	bank	NOUN
arjefm-1226	33	20	to	to	PART
arjefm-1226	33	21	look	look	VERB
arjefm-1226	33	22	for	for	ADP
arjefm-1226	33	23	new	new	ADJ
arjefm-1226	33	24	ways	way	NOUN
arjefm-1226	33	25	to	to	PART
arjefm-1226	33	26	grow	grow	VERB
arjefm-1226	33	27	and	and	CCONJ
arjefm-1226	33	28	stay	stay	VERB
arjefm-1226	33	29	strong	strong	ADJ
arjefm-1226	33	30	.	.	PUNCT
arjefm-1226	34	1	(	(	PUNCT
arjefm-1226	34	2	erhijakpor	erhijakpor	NOUN
arjefm-1226	34	3	&	&	CCONJ
arjefm-1226	34	4	eyamu	eyamu	PROPN
arjefm-1226	34	5	,	,	PUNCT
arjefm-1226	34	6	2025	2025	NUM
arjefm-1226	34	7	)	)	PUNCT
arjefm-1226	34	8	.	.	PUNCT
arjefm-1226	35	1	one	one	NUM
arjefm-1226	35	2	strategy	strategy	NOUN
arjefm-1226	35	3	banks	bank	NOUN
arjefm-1226	35	4	use	use	VERB
arjefm-1226	35	5	to	to	PART
arjefm-1226	35	6	deal	deal	VERB
arjefm-1226	35	7	with	with	ADP
arjefm-1226	35	8	uncertainty	uncertainty	NOUN
arjefm-1226	35	9	is	be	AUX
arjefm-1226	35	10	diversification	diversification	NOUN
arjefm-1226	35	11	.	.	PUNCT
arjefm-1226	36	1	osifo	osifo	PROPN
arjefm-1226	36	2	&	&	CCONJ
arjefm-1226	36	3	evbayiro	evbayiro	NOUN
arjefm-1226	36	4	-	-	PUNCT
arjefm-1226	36	5	osagie	osagie	NOUN
arjefm-1226	36	6	(	(	PUNCT
arjefm-1226	36	7	2020	2020	NUM
arjefm-1226	36	8	)	)	PUNCT
arjefm-1226	36	9	explained	explain	VERB
arjefm-1226	36	10	that	that	SCONJ
arjefm-1226	36	11	diversification	diversification	NOUN
arjefm-1226	36	12	can	can	AUX
arjefm-1226	36	13	help	help	VERB
arjefm-1226	36	14	businesses	business	NOUN
arjefm-1226	36	15	perform	perform	VERB
arjefm-1226	36	16	better	well	ADV
arjefm-1226	36	17	by	by	ADP
arjefm-1226	36	18	spreading	spread	VERB
arjefm-1226	36	19	their	their	PRON
arjefm-1226	36	20	resources	resource	NOUN
arjefm-1226	36	21	across	across	ADP
arjefm-1226	36	22	different	different	ADJ
arjefm-1226	36	23	projects	project	NOUN
arjefm-1226	36	24	or	or	CCONJ
arjefm-1226	36	25	areas	area	NOUN
arjefm-1226	36	26	.	.	PUNCT
arjefm-1226	37	1	this	this	DET
arjefm-1226	37	2	strategy	strategy	NOUN
arjefm-1226	37	3	allows	allow	VERB
arjefm-1226	37	4	banks	bank	NOUN
arjefm-1226	37	5	to	to	PART
arjefm-1226	37	6	stay	stay	VERB
arjefm-1226	37	7	competitive	competitive	ADJ
arjefm-1226	37	8	,	,	PUNCT
arjefm-1226	37	9	increase	increase	VERB
arjefm-1226	37	10	profits	profit	NOUN
arjefm-1226	37	11	,	,	PUNCT
arjefm-1226	37	12	and	and	CCONJ
arjefm-1226	37	13	reduce	reduce	VERB
arjefm-1226	37	14	risks	risk	NOUN
arjefm-1226	37	15	.	.	PUNCT
arjefm-1226	38	1	banks	bank	NOUN
arjefm-1226	38	2	can	can	AUX
arjefm-1226	38	3	diversify	diversify	VERB
arjefm-1226	38	4	in	in	ADP
arjefm-1226	38	5	many	many	ADJ
arjefm-1226	38	6	ways	way	NOUN
arjefm-1226	38	7	by	by	ADP
arjefm-1226	38	8	investing	invest	VERB
arjefm-1226	38	9	in	in	ADP
arjefm-1226	38	10	different	different	ADJ
arjefm-1226	38	11	things	thing	NOUN
arjefm-1226	38	12	like	like	ADP
arjefm-1226	38	13	stocks	stock	NOUN
arjefm-1226	38	14	,	,	PUNCT
arjefm-1226	38	15	real	real	ADJ
arjefm-1226	38	16	estate	estate	NOUN
arjefm-1226	38	17	,	,	PUNCT
arjefm-1226	38	18	and	and	CCONJ
arjefm-1226	38	19	bonds	bond	NOUN
arjefm-1226	38	20	.	.	PUNCT
arjefm-1226	39	1	therefore	therefore	ADV
arjefm-1226	39	2	,	,	PUNCT
arjefm-1226	39	3	diversification	diversification	NOUN
arjefm-1226	39	4	of	of	ADP
arjefm-1226	39	5	banks	bank	NOUN
arjefm-1226	39	6	’	'	PUNCT
arjefm-1226	39	7	portfolio	portfolio	NOUN
arjefm-1226	39	8	is	be	AUX
arjefm-1226	39	9	essential	essential	ADJ
arjefm-1226	39	10	for	for	ADP
arjefm-1226	39	11	the	the	DET
arjefm-1226	39	12	stability	stability	NOUN
arjefm-1226	39	13	of	of	ADP
arjefm-1226	39	14	the	the	DET
arjefm-1226	39	15	banking	banking	NOUN
arjefm-1226	39	16	system	system	NOUN
arjefm-1226	39	17	.	.	PUNCT
arjefm-1226	40	1	arising	arise	VERB
arjefm-1226	40	2	from	from	ADP
arjefm-1226	40	3	the	the	DET
arjefm-1226	40	4	financial	financial	ADJ
arjefm-1226	40	5	crises	crisis	NOUN
arjefm-1226	40	6	of	of	ADP
arjefm-1226	40	7	2007/2008	2007/2008	NUM
arjefm-1226	40	8	,	,	PUNCT
arjefm-1226	40	9	emphasis	emphasis	NOUN
arjefm-1226	40	10	is	be	AUX
arjefm-1226	40	11	now	now	ADV
arjefm-1226	40	12	placed	place	VERB
arjefm-1226	40	13	on	on	ADP
arjefm-1226	40	14	the	the	DET
arjefm-1226	40	15	need	need	NOUN
arjefm-1226	40	16	for	for	SCONJ
arjefm-1226	40	17	banks	bank	NOUN
arjefm-1226	40	18	to	to	PART
arjefm-1226	40	19	keenly	keenly	ADV
arjefm-1226	40	20	measure	measure	VERB
arjefm-1226	40	21	and	and	CCONJ
arjefm-1226	40	22	control	control	VERB
arjefm-1226	40	23	their	their	PRON
arjefm-1226	40	24	credit	credit	NOUN
arjefm-1226	40	25	exposures	exposure	NOUN
arjefm-1226	40	26	to	to	PART
arjefm-1226	40	27	minimize	minimize	VERB
arjefm-1226	40	28	the	the	DET
arjefm-1226	40	29	resultant	resultant	NOUN
arjefm-1226	40	30	effect	effect	NOUN
arjefm-1226	40	31	of	of	ADP
arjefm-1226	40	32	credit	credit	NOUN
arjefm-1226	40	33	risk	risk	NOUN
arjefm-1226	40	34	(	(	PUNCT
arjefm-1226	40	35	basel	basel	PROPN
arjefm-1226	40	36	committee	committee	PROPN
arjefm-1226	40	37	on	on	ADP
arjefm-1226	40	38	banking	banking	NOUN
arjefm-1226	40	39	supervision	supervision	NOUN
arjefm-1226	40	40	,	,	PUNCT
arjefm-1226	40	41	2014	2014	NUM
arjefm-1226	40	42	)	)	PUNCT
arjefm-1226	40	43	.	.	PUNCT
arjefm-1226	41	1	the	the	DET
arjefm-1226	41	2	regulatory	regulatory	ADJ
arjefm-1226	41	3	bodies	body	NOUN
arjefm-1226	41	4	in	in	ADP
arjefm-1226	41	5	this	this	DET
arjefm-1226	41	6	sector	sector	NOUN
arjefm-1226	41	7	has	have	AUX
arjefm-1226	41	8	made	make	VERB
arjefm-1226	41	9	efforts	effort	NOUN
arjefm-1226	41	10	towards	towards	ADP
arjefm-1226	41	11	mitigating	mitigate	VERB
arjefm-1226	41	12	risk	risk	NOUN
arjefm-1226	41	13	experienced	experience	VERB
arjefm-1226	41	14	in	in	ADP
arjefm-1226	41	15	the	the	DET
arjefm-1226	41	16	banking	banking	NOUN
arjefm-1226	41	17	sector	sector	NOUN
arjefm-1226	41	18	.	.	PUNCT
arjefm-1226	42	1	following	follow	VERB
arjefm-1226	42	2	the	the	DET
arjefm-1226	42	3	global	global	ADJ
arjefm-1226	42	4	financial	financial	ADJ
arjefm-1226	42	5	crisis	crisis	NOUN
arjefm-1226	42	6	of	of	ADP
arjefm-1226	42	7	2008/2009	2008/2009	NUM
arjefm-1226	42	8	,	,	PUNCT
arjefm-1226	42	9	the	the	DET
arjefm-1226	42	10	federal	federal	ADJ
arjefm-1226	42	11	government	government	NOUN
arjefm-1226	42	12	of	of	ADP
arjefm-1226	42	13	nigeria	nigeria	PROPN
arjefm-1226	42	14	,	,	PUNCT
arjefm-1226	42	15	during	during	ADP
arjefm-1226	42	16	the	the	DET
arjefm-1226	42	17	tenure	tenure	NOUN
arjefm-1226	42	18	of	of	ADP
arjefm-1226	42	19	sanusi	sanusi	PROPN
arjefm-1226	42	20	lamido	lamido	PROPN
arjefm-1226	42	21	sanusi	sanusi	PROPN
arjefm-1226	42	22	as	as	SCONJ
arjefm-1226	42	23	cbn	cbn	PROPN
arjefm-1226	42	24	governor	governor	NOUN
arjefm-1226	42	25	established	establish	VERB
arjefm-1226	42	26	the	the	DET
arjefm-1226	42	27	asset	asset	NOUN
arjefm-1226	42	28	management	management	NOUN
arjefm-1226	42	29	corporation	corporation	NOUN
arjefm-1226	42	30	of	of	ADP
arjefm-1226	42	31	nigeria	nigeria	PROPN
arjefm-1226	42	32	(	(	PUNCT
arjefm-1226	42	33	amcon	amcon	PROPN
arjefm-1226	42	34	)	)	PUNCT
arjefm-1226	42	35	in	in	ADP
arjefm-1226	42	36	july	july	PROPN
arjefm-1226	42	37	2010	2010	NUM
arjefm-1226	42	38	to	to	PART
arjefm-1226	42	39	help	help	VERB
arjefm-1226	42	40	resolve	resolve	VERB
arjefm-1226	42	41	the	the	DET
arjefm-1226	42	42	liquidity	liquidity	NOUN
arjefm-1226	42	43	and	and	CCONJ
arjefm-1226	42	44	solvency	solvency	NOUN
arjefm-1226	42	45	challenges	challenge	NOUN
arjefm-1226	42	46	faced	face	VERB
arjefm-1226	42	47	by	by	ADP
arjefm-1226	42	48	nigerian	nigerian	ADJ
arjefm-1226	42	49	banks	bank	NOUN
arjefm-1226	42	50	.	.	PUNCT
arjefm-1226	43	1	amcon	amcon	PROPN
arjefm-1226	43	2	was	be	AUX
arjefm-1226	43	3	charge	charge	VERB
arjefm-1226	43	4	with	with	ADP
arjefm-1226	43	5	the	the	DET
arjefm-1226	43	6	responsibility	responsibility	NOUN
arjefm-1226	43	7	of	of	ADP
arjefm-1226	43	8	stabilizing	stabilize	VERB
arjefm-1226	43	9	the	the	DET
arjefm-1226	43	10	nigerian	nigerian	ADJ
arjefm-1226	43	11	banking	banking	NOUN
arjefm-1226	43	12	sector	sector	NOUN
arjefm-1226	43	13	by	by	ADP
arjefm-1226	43	14	acquiring	acquire	VERB
arjefm-1226	43	15	banks	bank	NOUN
arjefm-1226	43	16	toxic	toxic	ADJ
arjefm-1226	43	17	assets	asset	NOUN
arjefm-1226	43	18	(	(	PUNCT
arjefm-1226	43	19	non	non	ADJ
arjefm-1226	43	20	-	-	ADJ
arjefm-1226	43	21	performing	performing	ADJ
arjefm-1226	43	22	loans	loan	NOUN
arjefm-1226	43	23	)	)	PUNCT
arjefm-1226	43	24	from	from	ADP
arjefm-1226	43	25	commercial	commercial	ADJ
arjefm-1226	43	26	banks	bank	NOUN
arjefm-1226	43	27	to	to	PART
arjefm-1226	43	28	reduce	reduce	VERB
arjefm-1226	43	29	the	the	DET
arjefm-1226	43	30	level	level	NOUN
arjefm-1226	43	31	of	of	ADP
arjefm-1226	43	32	credit	credit	NOUN
arjefm-1226	43	33	risk	risk	NOUN
arjefm-1226	43	34	and	and	CCONJ
arjefm-1226	43	35	rescuing	rescue	VERB
arjefm-1226	43	36	distressed	distressed	ADJ
arjefm-1226	43	37	banks	bank	NOUN
arjefm-1226	43	38	in	in	ADP
arjefm-1226	43	39	nigeria	nigeria	PROPN
arjefm-1226	43	40	(	(	PUNCT
arjefm-1226	43	41	ungersboeck	ungersboeck	PROPN
arjefm-1226	43	42	&	&	CCONJ
arjefm-1226	43	43	runkel	runkel	NOUN
arjefm-1226	43	44	,	,	PUNCT
arjefm-1226	43	45	2021	2021	NUM
arjefm-1226	43	46	)	)	PUNCT
arjefm-1226	43	47	.	.	PUNCT
arjefm-1226	44	1	despite	despite	SCONJ
arjefm-1226	44	2	the	the	DET
arjefm-1226	44	3	efforts	effort	NOUN
arjefm-1226	44	4	of	of	ADP
arjefm-1226	44	5	the	the	DET
arjefm-1226	44	6	regulatory	regulatory	ADJ
arjefm-1226	44	7	authorities	authority	NOUN
arjefm-1226	44	8	to	to	PART
arjefm-1226	44	9	put	put	VERB
arjefm-1226	44	10	measures	measure	NOUN
arjefm-1226	44	11	in	in	ADP
arjefm-1226	44	12	place	place	NOUN
arjefm-1226	44	13	to	to	PART
arjefm-1226	44	14	mitigate	mitigate	VERB
arjefm-1226	44	15	the	the	DET
arjefm-1226	44	16	financial	financial	ADJ
arjefm-1226	44	17	risk	risk	NOUN
arjefm-1226	44	18	in	in	ADP
arjefm-1226	44	19	the	the	DET
arjefm-1226	44	20	banking	banking	NOUN
arjefm-1226	44	21	sector	sector	NOUN
arjefm-1226	44	22	in	in	ADP
arjefm-1226	44	23	nigeria	nigeria	PROPN
arjefm-1226	44	24	,	,	PUNCT
arjefm-1226	44	25	cases	case	NOUN
arjefm-1226	44	26	of	of	ADP
arjefm-1226	44	27	bank	bank	NOUN
arjefm-1226	44	28	failure	failure	NOUN
arjefm-1226	44	29	are	be	AUX
arjefm-1226	44	30	still	still	ADV
arjefm-1226	44	31	being	be	AUX
arjefm-1226	44	32	recorded	record	VERB
arjefm-1226	44	33	in	in	ADP
arjefm-1226	44	34	the	the	DET
arjefm-1226	44	35	sector	sector	NOUN
arjefm-1226	44	36	.	.	PUNCT
arjefm-1226	45	1	a	a	DET
arjefm-1226	45	2	most	most	ADV
arjefm-1226	45	3	recent	recent	ADJ
arjefm-1226	45	4	case	case	NOUN
arjefm-1226	45	5	is	be	AUX
arjefm-1226	45	6	that	that	PRON
arjefm-1226	45	7	of	of	ADP
arjefm-1226	45	8	heritage	heritage	NOUN
arjefm-1226	45	9	bank	bank	NOUN
arjefm-1226	45	10	whose	whose	DET
arjefm-1226	45	11	license	license	NOUN
arjefm-1226	45	12	to	to	PART
arjefm-1226	45	13	operate	operate	VERB
arjefm-1226	45	14	was	be	AUX
arjefm-1226	45	15	revoked	revoke	VERB
arjefm-1226	45	16	on	on	ADP
arjefm-1226	45	17	june	june	PROPN
arjefm-1226	45	18	3	3	NUM
arjefm-1226	45	19	,	,	PUNCT
arjefm-1226	45	20	2024	2024	NUM
arjefm-1226	45	21	.	.	PUNCT
arjefm-1226	46	1	as	as	SCONJ
arjefm-1226	46	2	reported	report	VERB
arjefm-1226	46	3	by	by	ADP
arjefm-1226	46	4	the	the	DET
arjefm-1226	46	5	sun	sun	PROPN
arjefm-1226	46	6	nigeria	nigeria	PROPN
arjefm-1226	46	7	(	(	PUNCT
arjefm-1226	46	8	2024	2024	NUM
arjefm-1226	46	9	)	)	PUNCT
arjefm-1226	46	10	,	,	PUNCT
arjefm-1226	46	11	heritage	heritage	NOUN
arjefm-1226	46	12	bank	bank	NOUN
arjefm-1226	46	13	had	have	VERB
arjefm-1226	46	14	about	about	ADP
arjefm-1226	46	15	n700	n700	NUM
arjefm-1226	46	16	billion	billion	NUM
arjefm-1226	46	17	non	non	ADJ
arjefm-1226	46	18	-	-	ADJ
arjefm-1226	46	19	performing	performing	ADJ
arjefm-1226	46	20	loan	loan	NOUN
arjefm-1226	46	21	as	as	ADP
arjefm-1226	46	22	of	of	ADP
arjefm-1226	46	23	march	march	NOUN
arjefm-1226	46	24	,	,	PUNCT
arjefm-1226	46	25	2024	2024	NUM
arjefm-1226	46	26	.	.	PUNCT
arjefm-1226	47	1	also	also	ADV
arjefm-1226	47	2	,	,	PUNCT
arjefm-1226	47	3	the	the	DET
arjefm-1226	47	4	banks	bank	NOUN
arjefm-1226	47	5	’	'	PUNCT
arjefm-1226	47	6	tier	tier	NOUN
arjefm-1226	47	7	1	1	NUM
arjefm-1226	47	8	capital	capital	NOUN
arjefm-1226	47	9	(	(	PUNCT
arjefm-1226	47	10	reserves	reserve	NOUN
arjefm-1226	47	11	,	,	PUNCT
arjefm-1226	47	12	equity	equity	NOUN
arjefm-1226	47	13	and	and	CCONJ
arjefm-1226	47	14	accumulated	accumulate	VERB
arjefm-1226	47	15	earnings	earning	NOUN
arjefm-1226	47	16	)	)	PUNCT
arjefm-1226	47	17	was	be	AUX
arjefm-1226	47	18	in	in	ADP
arjefm-1226	47	19	a	a	DET
arjefm-1226	47	20	deficit	deficit	NOUN
arjefm-1226	47	21	of	of	ADP
arjefm-1226	47	22	over	over	ADP
arjefm-1226	47	23	n1	n1	PROPN
arjefm-1226	47	24	trillion	trillion	NUM
arjefm-1226	47	25	.	.	PUNCT
arjefm-1226	48	1	it	it	PRON
arjefm-1226	48	2	is	be	AUX
arjefm-1226	48	3	therefore	therefore	ADV
arjefm-1226	48	4	important	important	ADJ
arjefm-1226	48	5	for	for	SCONJ
arjefm-1226	48	6	banks	bank	NOUN
arjefm-1226	48	7	to	to	PART
arjefm-1226	48	8	put	put	VERB
arjefm-1226	48	9	in	in	ADP
arjefm-1226	48	10	place	place	NOUN
arjefm-1226	48	11	internal	internal	ADJ
arjefm-1226	48	12	strategies	strategy	NOUN
arjefm-1226	48	13	to	to	PART
arjefm-1226	48	14	withstand	withstand	VERB
arjefm-1226	48	15	shocks	shock	NOUN
arjefm-1226	48	16	amidst	amidst	ADP
arjefm-1226	48	17	challenges	challenge	NOUN
arjefm-1226	48	18	encountered	encounter	VERB
arjefm-1226	48	19	.	.	PUNCT
arjefm-1226	49	1	the	the	DET
arjefm-1226	49	2	call	call	NOUN
arjefm-1226	49	3	to	to	ADP
arjefm-1226	49	4	action	action	NOUN
arjefm-1226	49	5	is	be	AUX
arjefm-1226	49	6	for	for	SCONJ
arjefm-1226	49	7	banks	bank	NOUN
arjefm-1226	49	8	to	to	PART
arjefm-1226	49	9	maintain	maintain	VERB
arjefm-1226	49	10	well	well	ADV
arjefm-1226	49	11	diversified	diversify	VERB
arjefm-1226	49	12	portfolios	portfolio	NOUN
arjefm-1226	49	13	.	.	PUNCT
arjefm-1226	50	1	it	it	PRON
arjefm-1226	50	2	is	be	AUX
arjefm-1226	50	3	on	on	ADP
arjefm-1226	50	4	this	this	DET
arjefm-1226	50	5	basis	basis	NOUN
arjefm-1226	50	6	we	we	PRON
arjefm-1226	50	7	examined	examine	VERB
arjefm-1226	50	8	how	how	SCONJ
arjefm-1226	50	9	portfolio	portfolio	NOUN
arjefm-1226	50	10	diversification	diversification	NOUN
arjefm-1226	50	11	strategies	strategy	NOUN
arjefm-1226	50	12	affect	affect	VERB
arjefm-1226	50	13	operational	operational	ADJ
arjefm-1226	50	14	resilience	resilience	NOUN
arjefm-1226	50	15	of	of	ADP
arjefm-1226	50	16	banks	bank	NOUN
arjefm-1226	50	17	in	in	ADP
arjefm-1226	50	18	nigeria	nigeria	PROPN
arjefm-1226	50	19	.	.	PUNCT
arjefm-1226	51	1	there	there	PRON
arjefm-1226	51	2	is	be	VERB
arjefm-1226	51	3	therefore	therefore	ADV
arjefm-1226	51	4	the	the	DET
arjefm-1226	51	5	need	need	NOUN
arjefm-1226	51	6	for	for	SCONJ
arjefm-1226	51	7	commercial	commercial	ADJ
arjefm-1226	51	8	banks	bank	NOUN
arjefm-1226	51	9	diversify	diversify	VERB
arjefm-1226	51	10	their	their	PRON
arjefm-1226	51	11	portfolio	portfolio	NOUN
arjefm-1226	51	12	to	to	PART
arjefm-1226	51	13	mitigate	mitigate	VERB
arjefm-1226	51	14	credit	credit	NOUN
arjefm-1226	51	15	risks	risk	NOUN
arjefm-1226	51	16	and	and	CCONJ
arjefm-1226	51	17	enhance	enhance	VERB
arjefm-1226	51	18	performance	performance	NOUN
arjefm-1226	51	19	.	.	PUNCT
arjefm-1226	52	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	52	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	52	3	tel:2021	tel:2021	NOUN
arjefm-1226	52	4	tel:2022	tel:2022	VERB
arjefm-1226	52	5	tel:2020	tel:2020	PROPN
arjefm-1226	52	6	american	american	PROPN
arjefm-1226	52	7	research	research	PROPN
arjefm-1226	52	8	journal	journal	PROPN
arjefm-1226	52	9	of	of	ADP
arjefm-1226	52	10	economics	economic	NOUN
arjefm-1226	52	11	,	,	PUNCT
arjefm-1226	52	12	finance	finance	NOUN
arjefm-1226	52	13	and	and	CCONJ
arjefm-1226	52	14	management	management	NOUN
arjefm-1226	52	15	volume	volume	NOUN
arjefm-1226	52	16	13	13	NUM
arjefm-1226	52	17	issue	issue	NOUN
arjefm-1226	52	18	3	3	NUM
arjefm-1226	52	19	,	,	PUNCT
arjefm-1226	52	20	july	july	PROPN
arjefm-1226	52	21	-	-	PUNCT
arjefm-1226	52	22	september	september	PROPN
arjefm-1226	52	23	2025	2025	NUM
arjefm-1226	52	24	issn	issn	NOUN
arjefm-1226	52	25	:	:	PUNCT
arjefm-1226	52	26	2836	2836	NUM
arjefm-1226	52	27	-	-	SYM
arjefm-1226	52	28	9416	9416	NUM
arjefm-1226	52	29	impact	impact	NOUN
arjefm-1226	52	30	factor	factor	NOUN
arjefm-1226	52	31	:	:	PUNCT
arjefm-1226	52	32	6.41	6.41	NUM
arjefm-1226	52	33	journal	journal	NOUN
arjefm-1226	52	34	homepage	homepage	NOUN
arjefm-1226	52	35	:	:	PUNCT
arjefm-1226	52	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	52	37	email	email	NOUN
arjefm-1226	52	38	:	:	PUNCT
arjefm-1226	52	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	52	40	official	official	ADJ
arjefm-1226	52	41	journal	journal	PROPN
arjefm-1226	52	42	of	of	ADP
arjefm-1226	52	43	america	america	PROPN
arjefm-1226	52	44	serial	serial	PROPN
arjefm-1226	52	45	publication	publication	NOUN
arjefm-1226	52	46	american	american	PROPN
arjefm-1226	52	47	research	research	PROPN
arjefm-1226	52	48	journal	journal	PROPN
arjefm-1226	52	49	of	of	ADP
arjefm-1226	52	50	economics	economic	NOUN
arjefm-1226	52	51	,	,	PUNCT
arjefm-1226	52	52	finance	finance	NOUN
arjefm-1226	52	53	and	and	CCONJ
arjefm-1226	52	54	management	management	NOUN
arjefm-1226	52	55	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	52	56	,	,	PUNCT
arjefm-1226	52	57	email	email	NOUN
arjefm-1226	52	58	:	:	PUNCT
arjefm-1226	52	59	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	53	1	26	26	NUM
arjefm-1226	54	1	|	|	ADV
arjefm-1226	54	2	p	p	X
arjefm-1226	54	3	a	a	DET
arjefm-1226	54	4	g	g	NOUN
arjefm-1226	54	5	e	e	ADP
arjefm-1226	54	6	many	many	ADJ
arjefm-1226	54	7	studies	study	NOUN
arjefm-1226	54	8	have	have	AUX
arjefm-1226	54	9	been	be	AUX
arjefm-1226	54	10	done	do	VERB
arjefm-1226	54	11	in	in	ADP
arjefm-1226	54	12	other	other	ADJ
arjefm-1226	54	13	countries	country	NOUN
arjefm-1226	54	14	to	to	PART
arjefm-1226	54	15	see	see	VERB
arjefm-1226	54	16	how	how	SCONJ
arjefm-1226	54	17	portfolio	portfolio	NOUN
arjefm-1226	54	18	diversification	diversification	NOUN
arjefm-1226	54	19	affects	affect	VERB
arjefm-1226	54	20	banks	bank	NOUN
arjefm-1226	54	21	performance	performance	NOUN
arjefm-1226	54	22	.	.	PUNCT
arjefm-1226	55	1	some	some	DET
arjefm-1226	55	2	studies	study	NOUN
arjefm-1226	55	3	have	have	AUX
arjefm-1226	55	4	also	also	ADV
arjefm-1226	55	5	looked	look	VERB
arjefm-1226	55	6	at	at	ADP
arjefm-1226	55	7	nigerian	nigerian	ADJ
arjefm-1226	55	8	banks	bank	NOUN
arjefm-1226	55	9	and	and	CCONJ
arjefm-1226	55	10	other	other	ADJ
arjefm-1226	55	11	businesses	business	NOUN
arjefm-1226	55	12	in	in	ADP
arjefm-1226	55	13	africa	africa	PROPN
arjefm-1226	55	14	.	.	PUNCT
arjefm-1226	56	1	in	in	ADP
arjefm-1226	56	2	sierra	sierra	PROPN
arjefm-1226	56	3	leone	leone	PROPN
arjefm-1226	56	4	(	(	PUNCT
arjefm-1226	56	5	kollie	kollie	PROPN
arjefm-1226	56	6	,	,	PUNCT
arjefm-1226	56	7	2024	2024	NUM
arjefm-1226	56	8	)	)	PUNCT
arjefm-1226	56	9	;	;	PUNCT
arjefm-1226	56	10	rwanda	rwanda	PROPN
arjefm-1226	56	11	(	(	PUNCT
arjefm-1226	56	12	kamagoba	kamagoba	PROPN
arjefm-1226	56	13	&	&	CCONJ
arjefm-1226	56	14	irechukwu	irechukwu	PROPN
arjefm-1226	56	15	,	,	PUNCT
arjefm-1226	56	16	2023	2023	NUM
arjefm-1226	56	17	)	)	PUNCT
arjefm-1226	56	18	and	and	CCONJ
arjefm-1226	56	19	serbia	serbia	PROPN
arjefm-1226	56	20	(	(	PUNCT
arjefm-1226	56	21	radojičić	radojičić	NOUN
arjefm-1226	56	22	,	,	PUNCT
arjefm-1226	56	23	&	&	CCONJ
arjefm-1226	56	24	marinković	marinković	ADJ
arjefm-1226	56	25	,	,	PUNCT
arjefm-1226	56	26	2023	2023	NUM
arjefm-1226	56	27	)	)	PUNCT
arjefm-1226	56	28	.	.	PUNCT
arjefm-1226	57	1	studies	study	NOUN
arjefm-1226	57	2	in	in	ADP
arjefm-1226	57	3	the	the	DET
arjefm-1226	57	4	nigerian	nigerian	ADJ
arjefm-1226	57	5	banking	banking	NOUN
arjefm-1226	57	6	sector	sector	NOUN
arjefm-1226	57	7	are	be	AUX
arjefm-1226	57	8	;	;	PUNCT
arjefm-1226	57	9	amahalu	amahalu	PROPN
arjefm-1226	57	10	,	,	PUNCT
arjefm-1226	57	11	et	et	PROPN
arjefm-1226	57	12	al	al	PROPN
arjefm-1226	57	13	.	.	PROPN
arjefm-1226	58	1	(	(	PUNCT
arjefm-1226	58	2	2023	2023	NUM
arjefm-1226	58	3	)	)	PUNCT
arjefm-1226	58	4	;	;	PUNCT
arjefm-1226	58	5	ayodele	ayodele	PROPN
arjefm-1226	58	6	,	,	PUNCT
arjefm-1226	58	7	et	et	PROPN
arjefm-1226	58	8	al	al	PROPN
arjefm-1226	58	9	(	(	PUNCT
arjefm-1226	58	10	2023	2023	NUM
arjefm-1226	58	11	)	)	PUNCT
arjefm-1226	58	12	;	;	PUNCT
arjefm-1226	58	13	obaro	obaro	NOUN
arjefm-1226	58	14	,	,	PUNCT
arjefm-1226	58	15	et	et	PROPN
arjefm-1226	58	16	al	al	PROPN
arjefm-1226	58	17	.	.	PROPN
arjefm-1226	58	18	(	(	PUNCT
arjefm-1226	58	19	2022	2022	NUM
arjefm-1226	58	20	)	)	PUNCT
arjefm-1226	58	21	;	;	PUNCT
arjefm-1226	58	22	omeni	omeni	PROPN
arjefm-1226	58	23	&	&	CCONJ
arjefm-1226	58	24	george	george	PROPN
arjefm-1226	58	25	,	,	PUNCT
arjefm-1226	58	26	(	(	PUNCT
arjefm-1226	58	27	2021	2021	NUM
arjefm-1226	58	28	)	)	PUNCT
arjefm-1226	58	29	.	.	PUNCT
arjefm-1226	59	1	octavianus	octavianus	PROPN
arjefm-1226	59	2	&	&	CCONJ
arjefm-1226	59	3	fachrudin	fachrudin	PROPN
arjefm-1226	59	4	(	(	PUNCT
arjefm-1226	59	5	2022	2022	NUM
arjefm-1226	59	6	)	)	PUNCT
arjefm-1226	59	7	conducted	conduct	VERB
arjefm-1226	59	8	a	a	DET
arjefm-1226	59	9	study	study	NOUN
arjefm-1226	59	10	on	on	ADP
arjefm-1226	59	11	internal	internal	ADJ
arjefm-1226	59	12	banks	bank	NOUN
arjefm-1226	59	13	;	;	PUNCT
arjefm-1226	59	14	omosa	omosa	NOUN
arjefm-1226	59	15	,	,	PUNCT
arjefm-1226	59	16	et	et	PROPN
arjefm-1226	59	17	al	al	PROPN
arjefm-1226	59	18	.	.	PROPN
arjefm-1226	60	1	(	(	PUNCT
arjefm-1226	60	2	2022	2022	NUM
arjefm-1226	60	3	)	)	PUNCT
arjefm-1226	60	4	tea	tea	NOUN
arjefm-1226	60	5	factories	factory	NOUN
arjefm-1226	60	6	in	in	ADP
arjefm-1226	60	7	kenya	kenya	NOUN
arjefm-1226	60	8	;	;	PUNCT
arjefm-1226	60	9	wegwu	wegwu	PROPN
arjefm-1226	60	10	(	(	PUNCT
arjefm-1226	60	11	2020	2020	NUM
arjefm-1226	60	12	)	)	PUNCT
arjefm-1226	60	13	food	food	NOUN
arjefm-1226	60	14	and	and	CCONJ
arjefm-1226	60	15	beverages	beverage	NOUN
arjefm-1226	60	16	firms	firm	NOUN
arjefm-1226	60	17	in	in	ADP
arjefm-1226	60	18	rivers	river	NOUN
arjefm-1226	60	19	state	state	NOUN
arjefm-1226	60	20	;	;	PUNCT
arjefm-1226	60	21	abuh	abuh	VERB
arjefm-1226	60	22	and	and	CCONJ
arjefm-1226	60	23	echukwu	echukwu	VERB
arjefm-1226	60	24	(	(	PUNCT
arjefm-1226	60	25	2020	2020	NUM
arjefm-1226	60	26	)	)	PUNCT
arjefm-1226	60	27	dangote	dangote	NOUN
arjefm-1226	60	28	group	group	NOUN
arjefm-1226	60	29	;	;	PUNCT
arjefm-1226	60	30	and	and	CCONJ
arjefm-1226	60	31	njuguna	njuguna	ADV
arjefm-1226	60	32	,	,	PUNCT
arjefm-1226	60	33	et	et	PROPN
arjefm-1226	60	34	al	al	PROPN
arjefm-1226	60	35	.	.	PUNCT
arjefm-1226	61	1	(	(	PUNCT
arjefm-1226	61	2	2018	2018	NUM
arjefm-1226	61	3	)	)	PUNCT
arjefm-1226	61	4	non	non	ADJ
arjefm-1226	61	5	-	-	ADJ
arjefm-1226	61	6	financial	financial	ADJ
arjefm-1226	61	7	firms	firm	NOUN
arjefm-1226	61	8	in	in	ADP
arjefm-1226	61	9	kenya	kenya	PROPN
arjefm-1226	61	10	.	.	PUNCT
arjefm-1226	62	1	however	however	ADV
arjefm-1226	62	2	,	,	PUNCT
arjefm-1226	62	3	there	there	PRON
arjefm-1226	62	4	are	be	VERB
arjefm-1226	62	5	still	still	ADV
arjefm-1226	62	6	gaps	gap	NOUN
arjefm-1226	62	7	in	in	ADP
arjefm-1226	62	8	the	the	DET
arjefm-1226	62	9	research	research	NOUN
arjefm-1226	62	10	,	,	PUNCT
arjefm-1226	62	11	especially	especially	ADV
arjefm-1226	62	12	on	on	ADP
arjefm-1226	62	13	nigerian	nigerian	ADJ
arjefm-1226	62	14	banks	bank	NOUN
arjefm-1226	62	15	.	.	PUNCT
arjefm-1226	63	1	this	this	DET
arjefm-1226	63	2	study	study	NOUN
arjefm-1226	63	3	aims	aim	VERB
arjefm-1226	63	4	to	to	PART
arjefm-1226	63	5	fill	fill	VERB
arjefm-1226	63	6	that	that	DET
arjefm-1226	63	7	gap	gap	NOUN
arjefm-1226	63	8	by	by	ADP
arjefm-1226	63	9	examining	examine	VERB
arjefm-1226	63	10	portfolio	portfolio	NOUN
arjefm-1226	63	11	diversification	diversification	NOUN
arjefm-1226	63	12	strategies	strategy	NOUN
arjefm-1226	63	13	and	and	CCONJ
arjefm-1226	63	14	operational	operational	ADJ
arjefm-1226	63	15	resilience	resilience	NOUN
arjefm-1226	63	16	of	of	ADP
arjefm-1226	63	17	nigerian	nigerian	ADJ
arjefm-1226	63	18	banks	bank	NOUN
arjefm-1226	63	19	over	over	ADP
arjefm-1226	63	20	fifteen	fifteen	NUM
arjefm-1226	63	21	(	(	PUNCT
arjefm-1226	63	22	15	15	NUM
arjefm-1226	63	23	)	)	PUNCT
arjefm-1226	63	24	years	year	NOUN
arjefm-1226	63	25	from	from	ADP
arjefm-1226	63	26	2008	2008	NUM
arjefm-1226	63	27	to	to	ADP
arjefm-1226	63	28	2022	2022	NUM
arjefm-1226	63	29	.	.	PUNCT
arjefm-1226	64	1	specifically	specifically	ADV
arjefm-1226	64	2	,	,	PUNCT
arjefm-1226	64	3	the	the	DET
arjefm-1226	64	4	study	study	NOUN
arjefm-1226	64	5	examine	examine	VERB
arjefm-1226	64	6	how	how	SCONJ
arjefm-1226	64	7	asset	asset	NOUN
arjefm-1226	64	8	diversification	diversification	NOUN
arjefm-1226	64	9	enhances	enhance	VERB
arjefm-1226	64	10	the	the	DET
arjefm-1226	64	11	operational	operational	ADJ
arjefm-1226	64	12	resilience	resilience	NOUN
arjefm-1226	64	13	of	of	ADP
arjefm-1226	64	14	nigerian	nigerian	ADJ
arjefm-1226	64	15	banks	bank	NOUN
arjefm-1226	64	16	;	;	PUNCT
arjefm-1226	64	17	ascertain	ascertain	VERB
arjefm-1226	64	18	how	how	SCONJ
arjefm-1226	64	19	deposit	deposit	NOUN
arjefm-1226	64	20	diversification	diversification	NOUN
arjefm-1226	64	21	influences	influence	VERB
arjefm-1226	64	22	the	the	DET
arjefm-1226	64	23	operational	operational	ADJ
arjefm-1226	64	24	resilience	resilience	NOUN
arjefm-1226	64	25	of	of	ADP
arjefm-1226	64	26	nigerian	nigerian	ADJ
arjefm-1226	64	27	banks	bank	NOUN
arjefm-1226	64	28	;	;	PUNCT
arjefm-1226	64	29	investigate	investigate	VERB
arjefm-1226	64	30	the	the	DET
arjefm-1226	64	31	extent	extent	NOUN
arjefm-1226	64	32	to	to	PART
arjefm-1226	64	33	which	which	PRON
arjefm-1226	64	34	investment	investment	NOUN
arjefm-1226	64	35	diversification	diversification	NOUN
arjefm-1226	64	36	affect	affect	VERB
arjefm-1226	64	37	influences	influence	VERB
arjefm-1226	64	38	the	the	DET
arjefm-1226	64	39	operational	operational	ADJ
arjefm-1226	64	40	resilience	resilience	NOUN
arjefm-1226	64	41	of	of	ADP
arjefm-1226	64	42	nigerian	nigerian	ADJ
arjefm-1226	64	43	banks	bank	NOUN
arjefm-1226	64	44	;	;	PUNCT
arjefm-1226	64	45	and	and	CCONJ
arjefm-1226	64	46	determine	determine	VERB
arjefm-1226	64	47	the	the	DET
arjefm-1226	64	48	degree	degree	NOUN
arjefm-1226	64	49	to	to	PART
arjefm-1226	64	50	which	which	DET
arjefm-1226	64	51	product	product	NOUN
arjefm-1226	64	52	diversification	diversification	NOUN
arjefm-1226	64	53	affect	affect	VERB
arjefm-1226	64	54	influences	influence	VERB
arjefm-1226	64	55	the	the	DET
arjefm-1226	64	56	operational	operational	ADJ
arjefm-1226	64	57	resilience	resilience	NOUN
arjefm-1226	64	58	of	of	ADP
arjefm-1226	64	59	nigerian	nigerian	ADJ
arjefm-1226	64	60	banks	bank	NOUN
arjefm-1226	64	61	2	2	NUM
arjefm-1226	64	62	.	.	NOUN
arjefm-1226	64	63	0	0	NUM
arjefm-1226	64	64	.	.	X
arjefm-1226	65	1	review	review	NOUN
arjefm-1226	65	2	of	of	ADP
arjefm-1226	65	3	related	related	ADJ
arjefm-1226	65	4	literature	literature	NOUN
arjefm-1226	65	5	2.1	2.1	NUM
arjefm-1226	65	6	.	.	PUNCT
arjefm-1226	66	1	conceptual	conceptual	ADJ
arjefm-1226	66	2	review	review	PROPN
arjefm-1226	66	3	2.1.1	2.1.1	NUM
arjefm-1226	66	4	.	.	PUNCT
arjefm-1226	67	1	portfolio	portfolio	NOUN
arjefm-1226	67	2	diversification	diversification	NOUN
arjefm-1226	67	3	strategies	strategy	NOUN
arjefm-1226	67	4	ihejirika	ihejirika	X
arjefm-1226	67	5	and	and	CCONJ
arjefm-1226	67	6	aderigha	aderigha	NOUN
arjefm-1226	67	7	(	(	PUNCT
arjefm-1226	67	8	2021	2021	NUM
arjefm-1226	67	9	)	)	PUNCT
arjefm-1226	67	10	defined	define	VERB
arjefm-1226	67	11	portfolio	portfolio	NOUN
arjefm-1226	67	12	diversification	diversification	NOUN
arjefm-1226	67	13	strategies	strategy	NOUN
arjefm-1226	67	14	as	as	ADP
arjefm-1226	67	15	the	the	DET
arjefm-1226	67	16	spread	spread	NOUN
arjefm-1226	67	17	of	of	ADP
arjefm-1226	67	18	investor	investor	NOUN
arjefm-1226	67	19	’s	’s	PART
arjefm-1226	67	20	resources	resource	NOUN
arjefm-1226	67	21	(	(	PUNCT
arjefm-1226	67	22	funds	fund	NOUN
arjefm-1226	67	23	)	)	PUNCT
arjefm-1226	67	24	to	to	ADP
arjefm-1226	67	25	different	different	ADJ
arjefm-1226	67	26	investment	investment	NOUN
arjefm-1226	67	27	opportunities	opportunity	NOUN
arjefm-1226	67	28	.	.	PUNCT
arjefm-1226	68	1	it	it	PRON
arjefm-1226	68	2	is	be	AUX
arjefm-1226	68	3	a	a	DET
arjefm-1226	68	4	situation	situation	NOUN
arjefm-1226	68	5	whereby	whereby	SCONJ
arjefm-1226	68	6	an	an	DET
arjefm-1226	68	7	investors	investor	NOUN
arjefm-1226	68	8	does	do	AUX
arjefm-1226	68	9	not	not	PART
arjefm-1226	68	10	rely	rely	VERB
arjefm-1226	68	11	on	on	ADP
arjefm-1226	68	12	single	single	ADJ
arjefm-1226	68	13	investment	investment	NOUN
arjefm-1226	68	14	opportunities	opportunity	NOUN
arjefm-1226	68	15	.	.	PUNCT
arjefm-1226	69	1	the	the	DET
arjefm-1226	69	2	essence	essence	NOUN
arjefm-1226	69	3	is	be	AUX
arjefm-1226	69	4	to	to	PART
arjefm-1226	69	5	minimize	minimize	VERB
arjefm-1226	69	6	risks	risk	NOUN
arjefm-1226	69	7	while	while	SCONJ
arjefm-1226	69	8	maximizing	maximize	VERB
arjefm-1226	69	9	returns	return	NOUN
arjefm-1226	69	10	by	by	ADP
arjefm-1226	69	11	spreading	spread	VERB
arjefm-1226	69	12	funds	fund	NOUN
arjefm-1226	69	13	across	across	ADP
arjefm-1226	69	14	different	different	ADJ
arjefm-1226	69	15	investment	investment	NOUN
arjefm-1226	69	16	avenues	avenue	NOUN
arjefm-1226	69	17	.	.	PUNCT
arjefm-1226	70	1	it	it	PRON
arjefm-1226	70	2	is	be	AUX
arjefm-1226	70	3	measured	measure	VERB
arjefm-1226	70	4	by	by	ADP
arjefm-1226	70	5	assets	asset	NOUN
arjefm-1226	70	6	diversification	diversification	NOUN
arjefm-1226	70	7	,	,	PUNCT
arjefm-1226	70	8	deposits	deposit	VERB
arjefm-1226	70	9	diversification	diversification	NOUN
arjefm-1226	70	10	,	,	PUNCT
arjefm-1226	70	11	investments	investment	NOUN
arjefm-1226	70	12	diversification	diversification	NOUN
arjefm-1226	70	13	and	and	CCONJ
arjefm-1226	70	14	products	product	NOUN
arjefm-1226	70	15	diversification	diversification	NOUN
arjefm-1226	70	16	2.1.2	2.1.2	NUM
arjefm-1226	70	17	.	.	PUNCT
arjefm-1226	71	1	assets	asset	NOUN
arjefm-1226	71	2	diversification	diversification	NOUN
arjefm-1226	71	3	and	and	CCONJ
arjefm-1226	71	4	operational	operational	ADJ
arjefm-1226	71	5	resilience	resilience	NOUN
arjefm-1226	71	6	asserts	assert	VERB
arjefm-1226	71	7	diversification	diversification	NOUN
arjefm-1226	71	8	involves	involve	VERB
arjefm-1226	71	9	spreading	spread	VERB
arjefm-1226	71	10	funds	fund	NOUN
arjefm-1226	71	11	across	across	ADP
arjefm-1226	71	12	different	different	ADJ
arjefm-1226	71	13	assets	asset	NOUN
arjefm-1226	71	14	category	category	NOUN
arjefm-1226	71	15	like	like	ADP
arjefm-1226	71	16	land	land	NOUN
arjefm-1226	71	17	,	,	PUNCT
arjefm-1226	71	18	capital	capital	NOUN
arjefm-1226	71	19	market	market	NOUN
arjefm-1226	71	20	instruments	instrument	NOUN
arjefm-1226	71	21	(	(	PUNCT
arjefm-1226	71	22	stocks	stock	NOUN
arjefm-1226	71	23	,	,	PUNCT
arjefm-1226	71	24	shares	share	NOUN
arjefm-1226	71	25	and	and	CCONJ
arjefm-1226	71	26	bonds	bond	NOUN
arjefm-1226	71	27	)	)	PUNCT
arjefm-1226	71	28	,	,	PUNCT
arjefm-1226	71	29	money	money	NOUN
arjefm-1226	71	30	market	market	NOUN
arjefm-1226	71	31	instruments	instrument	NOUN
arjefm-1226	71	32	(	(	PUNCT
arjefm-1226	71	33	treasury	treasury	NOUN
arjefm-1226	71	34	bills	bill	NOUN
arjefm-1226	71	35	,	,	PUNCT
arjefm-1226	71	36	certificate	certificate	NOUN
arjefm-1226	71	37	of	of	ADP
arjefm-1226	71	38	deposits	deposit	NOUN
arjefm-1226	71	39	,	,	PUNCT
arjefm-1226	71	40	treasury	treasury	PROPN
arjefm-1226	71	41	certificates	certificate	NOUN
arjefm-1226	71	42	,	,	PUNCT
arjefm-1226	71	43	etc	etc	X
arjefm-1226	71	44	.	.	X
arjefm-1226	71	45	)	)	PUNCT
arjefm-1226	71	46	,	,	PUNCT
arjefm-1226	71	47	land	land	NOUN
arjefm-1226	71	48	,	,	PUNCT
arjefm-1226	71	49	buildings	building	NOUN
arjefm-1226	71	50	,	,	PUNCT
arjefm-1226	71	51	etc	etc	X
arjefm-1226	71	52	.	.	X
arjefm-1226	72	1	so	so	ADV
arjefm-1226	72	2	as	as	SCONJ
arjefm-1226	72	3	to	to	PART
arjefm-1226	72	4	manage	manage	VERB
arjefm-1226	72	5	risk	risk	NOUN
arjefm-1226	72	6	.	.	PUNCT
arjefm-1226	73	1	(	(	PUNCT
arjefm-1226	73	2	ayodele	ayodele	PROPN
arjefm-1226	73	3	,	,	PUNCT
arjefm-1226	73	4	et	et	PROPN
arjefm-1226	73	5	.	.	PUNCT
arjefm-1226	74	1	al	al	PROPN
arjefm-1226	74	2	,	,	PUNCT
arjefm-1226	74	3	2023	2023	NUM
arjefm-1226	74	4	)	)	PUNCT
arjefm-1226	74	5	.	.	PUNCT
arjefm-1226	75	1	a	a	DET
arjefm-1226	75	2	well	well	ADV
arjefm-1226	75	3	-	-	PUNCT
arjefm-1226	75	4	diversified	diversify	VERB
arjefm-1226	75	5	portfolio	portfolio	NOUN
arjefm-1226	75	6	of	of	ADP
arjefm-1226	75	7	assets	asset	NOUN
arjefm-1226	75	8	reduces	reduce	VERB
arjefm-1226	75	9	the	the	DET
arjefm-1226	75	10	risk	risk	NOUN
arjefm-1226	75	11	inherent	inherent	ADJ
arjefm-1226	75	12	in	in	ADP
arjefm-1226	75	13	an	an	DET
arjefm-1226	75	14	investment	investment	NOUN
arjefm-1226	75	15	.	.	PUNCT
arjefm-1226	76	1	obaro	obaro	NOUN
arjefm-1226	76	2	,	,	PUNCT
arjefm-1226	76	3	et	et	PROPN
arjefm-1226	76	4	al	al	PROPN
arjefm-1226	76	5	(	(	PUNCT
arjefm-1226	76	6	2022	2022	NUM
arjefm-1226	76	7	)	)	PUNCT
arjefm-1226	76	8	surmised	surmise	VERB
arjefm-1226	76	9	that	that	SCONJ
arjefm-1226	76	10	asset	asset	NOUN
arjefm-1226	76	11	diversification	diversification	NOUN
arjefm-1226	76	12	contributes	contribute	VERB
arjefm-1226	76	13	positively	positively	ADV
arjefm-1226	76	14	to	to	ADP
arjefm-1226	76	15	the	the	DET
arjefm-1226	76	16	ability	ability	NOUN
arjefm-1226	76	17	of	of	ADP
arjefm-1226	76	18	financial	financial	ADJ
arjefm-1226	76	19	institutions	institution	NOUN
arjefm-1226	76	20	to	to	PART
arjefm-1226	76	21	remain	remain	VERB
arjefm-1226	76	22	resilient	resilient	ADJ
arjefm-1226	76	23	especially	especially	ADV
arjefm-1226	76	24	during	during	ADP
arjefm-1226	76	25	economic	economic	ADJ
arjefm-1226	76	26	downturn	downturn	NOUN
arjefm-1226	76	27	.	.	PUNCT
arjefm-1226	77	1	2.1.3	2.1.3	X
arjefm-1226	77	2	.	.	PUNCT
arjefm-1226	77	3	deposits	deposit	VERB
arjefm-1226	77	4	diversification	diversification	NOUN
arjefm-1226	77	5	and	and	CCONJ
arjefm-1226	77	6	operational	operational	ADJ
arjefm-1226	77	7	resilience	resilience	NOUN
arjefm-1226	77	8	according	accord	VERB
arjefm-1226	77	9	to	to	ADP
arjefm-1226	77	10	rose	rise	VERB
arjefm-1226	77	11	and	and	CCONJ
arjefm-1226	77	12	hudgins	hudgins	PROPN
arjefm-1226	77	13	(	(	PUNCT
arjefm-1226	77	14	2016	2016	NUM
arjefm-1226	77	15	)	)	PUNCT
arjefm-1226	77	16	,	,	PUNCT
arjefm-1226	77	17	deposit	deposit	NOUN
arjefm-1226	77	18	diversification	diversification	NOUN
arjefm-1226	77	19	is	be	AUX
arjefm-1226	77	20	a	a	DET
arjefm-1226	77	21	way	way	NOUN
arjefm-1226	77	22	banks	bank	NOUN
arjefm-1226	77	23	use	use	VERB
arjefm-1226	77	24	their	their	PRON
arjefm-1226	77	25	funds	fund	NOUN
arjefm-1226	77	26	(	(	PUNCT
arjefm-1226	77	27	deposits	deposit	NOUN
arjefm-1226	77	28	)	)	PUNCT
arjefm-1226	77	29	to	to	PART
arjefm-1226	77	30	buy	buy	VERB
arjefm-1226	77	31	assets	asset	NOUN
arjefm-1226	77	32	with	with	ADP
arjefm-1226	77	33	varying	vary	VERB
arjefm-1226	77	34	level	level	NOUN
arjefm-1226	77	35	of	of	ADP
arjefm-1226	77	36	risk	risk	NOUN
arjefm-1226	77	37	elements	element	NOUN
arjefm-1226	77	38	and	and	CCONJ
arjefm-1226	77	39	maturity	maturity	NOUN
arjefm-1226	77	40	period	period	NOUN
arjefm-1226	77	41	(	(	PUNCT
arjefm-1226	77	42	long	long	ADJ
arjefm-1226	77	43	,	,	PUNCT
arjefm-1226	77	44	medium	medium	ADJ
arjefm-1226	77	45	or	or	CCONJ
arjefm-1226	77	46	short	short	ADJ
arjefm-1226	77	47	term	term	NOUN
arjefm-1226	77	48	)	)	PUNCT
arjefm-1226	77	49	depending	depend	VERB
arjefm-1226	77	50	on	on	ADP
arjefm-1226	77	51	the	the	DET
arjefm-1226	77	52	account	account	NOUN
arjefm-1226	77	53	the	the	DET
arjefm-1226	77	54	funds	fund	NOUN
arjefm-1226	77	55	are	be	AUX
arjefm-1226	77	56	drawn	draw	VERB
arjefm-1226	77	57	from	from	ADP
arjefm-1226	77	58	..	..	PUNCT
arjefm-1226	77	59	diversification	diversification	NOUN
arjefm-1226	77	60	of	of	ADP
arjefm-1226	77	61	deposits	deposit	NOUN
arjefm-1226	77	62	by	by	ADP
arjefm-1226	77	63	financial	financial	ADJ
arjefm-1226	77	64	institutions	institution	NOUN
arjefm-1226	77	65	will	will	AUX
arjefm-1226	77	66	help	help	VERB
arjefm-1226	77	67	the	the	DET
arjefm-1226	77	68	organization	organization	NOUN
arjefm-1226	77	69	to	to	PART
arjefm-1226	77	70	maximize	maximize	VERB
arjefm-1226	77	71	the	the	DET
arjefm-1226	77	72	shareholders	shareholder	NOUN
arjefm-1226	77	73	wealth	wealth	NOUN
arjefm-1226	77	74	(	(	PUNCT
arjefm-1226	77	75	omeni	omeni	PROPN
arjefm-1226	77	76	&	&	CCONJ
arjefm-1226	77	77	george	george	PROPN
arjefm-1226	77	78	,	,	PUNCT
arjefm-1226	77	79	2021	2021	NUM
arjefm-1226	77	80	)	)	PUNCT
arjefm-1226	77	81	.	.	PUNCT
arjefm-1226	78	1	2.1.4	2.1.4	X
arjefm-1226	78	2	.	.	PUNCT
arjefm-1226	78	3	investments	investment	NOUN
arjefm-1226	78	4	diversification	diversification	NOUN
arjefm-1226	78	5	and	and	CCONJ
arjefm-1226	78	6	operational	operational	ADJ
arjefm-1226	78	7	resilience	resilience	NOUN
arjefm-1226	78	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	78	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	79	1	american	american	PROPN
arjefm-1226	79	2	research	research	PROPN
arjefm-1226	79	3	journal	journal	PROPN
arjefm-1226	79	4	of	of	ADP
arjefm-1226	79	5	economics	economic	NOUN
arjefm-1226	79	6	,	,	PUNCT
arjefm-1226	79	7	finance	finance	NOUN
arjefm-1226	79	8	and	and	CCONJ
arjefm-1226	79	9	management	management	NOUN
arjefm-1226	79	10	volume	volume	NOUN
arjefm-1226	79	11	13	13	NUM
arjefm-1226	79	12	issue	issue	NOUN
arjefm-1226	79	13	3	3	NUM
arjefm-1226	79	14	,	,	PUNCT
arjefm-1226	79	15	july	july	PROPN
arjefm-1226	79	16	-	-	PUNCT
arjefm-1226	79	17	september	september	PROPN
arjefm-1226	79	18	2025	2025	NUM
arjefm-1226	79	19	issn	issn	NOUN
arjefm-1226	79	20	:	:	PUNCT
arjefm-1226	79	21	2836	2836	NUM
arjefm-1226	79	22	-	-	SYM
arjefm-1226	79	23	9416	9416	NUM
arjefm-1226	79	24	impact	impact	NOUN
arjefm-1226	79	25	factor	factor	NOUN
arjefm-1226	79	26	:	:	PUNCT
arjefm-1226	79	27	6.41	6.41	NUM
arjefm-1226	79	28	journal	journal	NOUN
arjefm-1226	79	29	homepage	homepage	NOUN
arjefm-1226	79	30	:	:	PUNCT
arjefm-1226	79	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	79	32	email	email	NOUN
arjefm-1226	79	33	:	:	PUNCT
arjefm-1226	79	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	79	35	official	official	ADJ
arjefm-1226	79	36	journal	journal	PROPN
arjefm-1226	79	37	of	of	ADP
arjefm-1226	79	38	america	america	PROPN
arjefm-1226	79	39	serial	serial	PROPN
arjefm-1226	79	40	publication	publication	NOUN
arjefm-1226	79	41	american	american	PROPN
arjefm-1226	79	42	research	research	PROPN
arjefm-1226	79	43	journal	journal	PROPN
arjefm-1226	79	44	of	of	ADP
arjefm-1226	79	45	economics	economic	NOUN
arjefm-1226	79	46	,	,	PUNCT
arjefm-1226	79	47	finance	finance	NOUN
arjefm-1226	79	48	and	and	CCONJ
arjefm-1226	79	49	management	management	NOUN
arjefm-1226	79	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	79	51	,	,	PUNCT
arjefm-1226	79	52	email	email	NOUN
arjefm-1226	79	53	:	:	PUNCT
arjefm-1226	79	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	80	1	27	27	NUM
arjefm-1226	81	1	|	|	ADV
arjefm-1226	81	2	p	p	NOUN
arjefm-1226	81	3	a	a	DET
arjefm-1226	81	4	g	g	NOUN
arjefm-1226	81	5	e	e	NOUN
arjefm-1226	81	6	according	accord	VERB
arjefm-1226	81	7	to	to	ADP
arjefm-1226	81	8	obaro	obaro	NOUN
arjefm-1226	81	9	,	,	PUNCT
arjefm-1226	81	10	et	et	PROPN
arjefm-1226	81	11	al	al	PROPN
arjefm-1226	81	12	(	(	PUNCT
arjefm-1226	81	13	2022	2022	NUM
arjefm-1226	81	14	)	)	PUNCT
arjefm-1226	81	15	,	,	PUNCT
arjefm-1226	81	16	putting	put	VERB
arjefm-1226	81	17	all	all	DET
arjefm-1226	81	18	your	your	PRON
arjefm-1226	81	19	investment	investment	NOUN
arjefm-1226	81	20	funds	fund	NOUN
arjefm-1226	81	21	in	in	ADP
arjefm-1226	81	22	one	one	NUM
arjefm-1226	81	23	basket	basket	NOUN
arjefm-1226	81	24	is	be	AUX
arjefm-1226	81	25	detrimental	detrimental	ADJ
arjefm-1226	81	26	to	to	ADP
arjefm-1226	81	27	an	an	DET
arjefm-1226	81	28	organization	organization	NOUN
arjefm-1226	81	29	’s	’s	PART
arjefm-1226	81	30	health	health	NOUN
arjefm-1226	81	31	.	.	PUNCT
arjefm-1226	82	1	investment	investment	NOUN
arjefm-1226	82	2	diversification	diversification	NOUN
arjefm-1226	82	3	is	be	AUX
arjefm-1226	82	4	aimed	aim	VERB
arjefm-1226	82	5	at	at	ADP
arjefm-1226	82	6	mitigating	mitigate	VERB
arjefm-1226	82	7	unexpected	unexpected	ADJ
arjefm-1226	82	8	financial	financial	ADJ
arjefm-1226	82	9	shocks	shock	NOUN
arjefm-1226	82	10	and	and	CCONJ
arjefm-1226	82	11	allowing	allow	VERB
arjefm-1226	82	12	operations	operation	NOUN
arjefm-1226	82	13	to	to	PART
arjefm-1226	82	14	continue	continue	VERB
arjefm-1226	82	15	.	.	PUNCT
arjefm-1226	83	1	when	when	SCONJ
arjefm-1226	83	2	investments	investment	NOUN
arjefm-1226	83	3	are	be	AUX
arjefm-1226	83	4	properly	properly	ADV
arjefm-1226	83	5	diversified	diversify	VERB
arjefm-1226	83	6	and	and	CCONJ
arjefm-1226	83	7	risks	risk	NOUN
arjefm-1226	83	8	are	be	AUX
arjefm-1226	83	9	reduced	reduce	VERB
arjefm-1226	83	10	,	,	PUNCT
arjefm-1226	83	11	returns	return	NOUN
arjefm-1226	83	12	is	be	AUX
arjefm-1226	83	13	guaranteed	guarantee	VERB
arjefm-1226	83	14	.	.	PUNCT
arjefm-1226	84	1	2.1.5	2.1.5	NUM
arjefm-1226	84	2	.	.	PUNCT
arjefm-1226	84	3	products	product	NOUN
arjefm-1226	84	4	diversification	diversification	NOUN
arjefm-1226	84	5	and	and	CCONJ
arjefm-1226	84	6	operational	operational	ADJ
arjefm-1226	84	7	resilience	resilience	NOUN
arjefm-1226	84	8	according	accord	VERB
arjefm-1226	84	9	to	to	ADP
arjefm-1226	84	10	jayathilake	jayathilake	NOUN
arjefm-1226	84	11	(	(	PUNCT
arjefm-1226	84	12	2018	2018	NUM
arjefm-1226	84	13	)	)	PUNCT
arjefm-1226	84	14	expanding	expand	VERB
arjefm-1226	84	15	business	business	NOUN
arjefm-1226	84	16	offerings	offering	NOUN
arjefm-1226	84	17	of	of	ADP
arjefm-1226	84	18	a	a	DET
arjefm-1226	84	19	firm	firm	NOUN
arjefm-1226	84	20	by	by	ADP
arjefm-1226	84	21	delving	delve	VERB
arjefm-1226	84	22	into	into	ADP
arjefm-1226	84	23	other	other	ADJ
arjefm-1226	84	24	market	market	NOUN
arjefm-1226	84	25	potentials	potential	NOUN
arjefm-1226	84	26	of	of	ADP
arjefm-1226	84	27	an	an	DET
arjefm-1226	84	28	already	already	ADV
arjefm-1226	84	29	existing	exist	VERB
arjefm-1226	84	30	products	product	NOUN
arjefm-1226	84	31	or	or	CCONJ
arjefm-1226	84	32	an	an	DET
arjefm-1226	84	33	addition	addition	NOUN
arjefm-1226	84	34	of	of	ADP
arjefm-1226	84	35	a	a	DET
arjefm-1226	84	36	new	new	ADJ
arjefm-1226	84	37	product	product	NOUN
arjefm-1226	84	38	line	line	NOUN
arjefm-1226	84	39	to	to	ADP
arjefm-1226	84	40	the	the	DET
arjefm-1226	84	41	firm	firm	NOUN
arjefm-1226	84	42	’s	’s	PART
arjefm-1226	84	43	already	already	ADV
arjefm-1226	84	44	existing	exist	VERB
arjefm-1226	84	45	products	product	NOUN
arjefm-1226	84	46	increases	increase	VERB
arjefm-1226	84	47	a	a	DET
arjefm-1226	84	48	firm	firm	NOUN
arjefm-1226	84	49	’s	’s	PART
arjefm-1226	84	50	market	market	NOUN
arjefm-1226	84	51	power	power	NOUN
arjefm-1226	84	52	,	,	PUNCT
arjefm-1226	84	53	creating	create	VERB
arjefm-1226	84	54	synergy	synergy	NOUN
arjefm-1226	84	55	in	in	ADP
arjefm-1226	84	56	market	market	NOUN
arjefm-1226	84	57	operations	operation	NOUN
arjefm-1226	84	58	and	and	CCONJ
arjefm-1226	84	59	reduces	reduce	VERB
arjefm-1226	84	60	bankruptcy	bankruptcy	NOUN
arjefm-1226	84	61	rate	rate	NOUN
arjefm-1226	84	62	and	and	CCONJ
arjefm-1226	84	63	the	the	DET
arjefm-1226	84	64	potential	potential	NOUN
arjefm-1226	84	65	of	of	ADP
arjefm-1226	84	66	increasing	increase	VERB
arjefm-1226	84	67	returns	return	NOUN
arjefm-1226	84	68	,	,	PUNCT
arjefm-1226	84	69	profitability	profitability	NOUN
arjefm-1226	84	70	and	and	CCONJ
arjefm-1226	84	71	on	on	ADP
arjefm-1226	84	72	the	the	DET
arjefm-1226	84	73	long	long	ADJ
arjefm-1226	84	74	run	run	NOUN
arjefm-1226	84	75	help	help	VERB
arjefm-1226	84	76	the	the	DET
arjefm-1226	84	77	firm	firm	NOUN
arjefm-1226	84	78	to	to	PART
arjefm-1226	84	79	be	be	AUX
arjefm-1226	84	80	more	more	ADV
arjefm-1226	84	81	stable	stable	ADJ
arjefm-1226	84	82	and	and	CCONJ
arjefm-1226	84	83	resilient	resilient	ADJ
arjefm-1226	84	84	during	during	ADP
arjefm-1226	84	85	economic	economic	ADJ
arjefm-1226	84	86	downturn	downturn	NOUN
arjefm-1226	84	87	.	.	PUNCT
arjefm-1226	85	1	njugunakwaska	njugunakwaska	PROPN
arjefm-1226	85	2	and	and	CCONJ
arjefm-1226	85	3	orwa	orwa	NOUN
arjefm-1226	85	4	(	(	PUNCT
arjefm-1226	85	5	2018	2018	NUM
arjefm-1226	85	6	)	)	PUNCT
arjefm-1226	85	7	noted	note	VERB
arjefm-1226	85	8	that	that	SCONJ
arjefm-1226	85	9	product	product	NOUN
arjefm-1226	85	10	diversification	diversification	NOUN
arjefm-1226	85	11	is	be	AUX
arjefm-1226	85	12	essential	essential	ADJ
arjefm-1226	85	13	for	for	ADP
arjefm-1226	85	14	increasing	increase	VERB
arjefm-1226	85	15	a	a	DET
arjefm-1226	85	16	firm	firm	NOUN
arjefm-1226	85	17	’s	’s	PART
arjefm-1226	85	18	performance	performance	NOUN
arjefm-1226	85	19	.	.	PUNCT
arjefm-1226	86	1	2.2	2.2	NUM
arjefm-1226	86	2	.	.	PUNCT
arjefm-1226	87	1	theoretical	theoretical	ADJ
arjefm-1226	87	2	review	review	NOUN
arjefm-1226	87	3	2.2.1	2.2.1	NUM
arjefm-1226	87	4	.	.	PUNCT
arjefm-1226	88	1	modern	modern	ADJ
arjefm-1226	88	2	portfolio	portfolio	NOUN
arjefm-1226	88	3	theory	theory	NOUN
arjefm-1226	88	4	(	(	PUNCT
arjefm-1226	88	5	mpt	mpt	PROPN
arjefm-1226	88	6	)	)	PUNCT
arjefm-1226	88	7	proposed	propose	VERB
arjefm-1226	88	8	by	by	ADP
arjefm-1226	88	9	harry	harry	PROPN
arjefm-1226	88	10	markowitz	markowitz	PROPN
arjefm-1226	88	11	in	in	ADP
arjefm-1226	88	12	1952	1952	NUM
arjefm-1226	88	13	,	,	PUNCT
arjefm-1226	88	14	modern	modern	ADJ
arjefm-1226	88	15	portfolio	portfolio	NOUN
arjefm-1226	88	16	theory	theory	NOUN
arjefm-1226	88	17	opines	opine	VERB
arjefm-1226	88	18	that	that	SCONJ
arjefm-1226	88	19	risk	risk	NOUN
arjefm-1226	88	20	-	-	PUNCT
arjefm-1226	88	21	averse	averse	ADJ
arjefm-1226	88	22	investors	investor	NOUN
arjefm-1226	88	23	can	can	AUX
arjefm-1226	88	24	construct	construct	VERB
arjefm-1226	88	25	diversified	diversified	ADJ
arjefm-1226	88	26	portfolios	portfolio	NOUN
arjefm-1226	88	27	to	to	PART
arjefm-1226	88	28	maximize	maximize	VERB
arjefm-1226	88	29	returns	return	NOUN
arjefm-1226	88	30	while	while	SCONJ
arjefm-1226	88	31	minimizing	minimize	VERB
arjefm-1226	88	32	risk	risk	NOUN
arjefm-1226	88	33	(	(	PUNCT
arjefm-1226	88	34	oladimeji	oladimeji	NOUN
arjefm-1226	88	35	&	&	CCONJ
arjefm-1226	88	36	udosen	udosen	NOUN
arjefm-1226	88	37	,	,	PUNCT
arjefm-1226	88	38	2019	2019	NUM
arjefm-1226	88	39	)	)	PUNCT
arjefm-1226	88	40	.	.	PUNCT
arjefm-1226	89	1	rather	rather	ADV
arjefm-1226	89	2	than	than	ADP
arjefm-1226	89	3	assessing	assess	VERB
arjefm-1226	89	4	investments	investment	NOUN
arjefm-1226	89	5	in	in	ADP
arjefm-1226	89	6	isolation	isolation	NOUN
arjefm-1226	89	7	,	,	PUNCT
arjefm-1226	89	8	mpt	mpt	PROPN
arjefm-1226	89	9	emphasizes	emphasize	VERB
arjefm-1226	89	10	evaluating	evaluate	VERB
arjefm-1226	89	11	how	how	SCONJ
arjefm-1226	89	12	each	each	DET
arjefm-1226	89	13	asset	asset	NOUN
arjefm-1226	89	14	contributes	contribute	VERB
arjefm-1226	89	15	to	to	ADP
arjefm-1226	89	16	the	the	DET
arjefm-1226	89	17	overall	overall	ADJ
arjefm-1226	89	18	portfolio	portfolio	NOUN
arjefm-1226	89	19	’s	’s	PART
arjefm-1226	89	20	risk	risk	NOUN
arjefm-1226	89	21	-	-	PUNCT
arjefm-1226	89	22	return	return	NOUN
arjefm-1226	89	23	profile	profile	NOUN
arjefm-1226	89	24	(	(	PUNCT
arjefm-1226	89	25	nwafor	nwafor	PROPN
arjefm-1226	89	26	&	&	CCONJ
arjefm-1226	89	27	amahalu	amahalu	PROPN
arjefm-1226	89	28	,	,	PUNCT
arjefm-1226	89	29	2021	2021	NUM
arjefm-1226	89	30	)	)	PUNCT
arjefm-1226	89	31	.	.	PUNCT
arjefm-1226	90	1	diversification	diversification	NOUN
arjefm-1226	90	2	is	be	AUX
arjefm-1226	90	3	key	key	ADJ
arjefm-1226	90	4	to	to	ADP
arjefm-1226	90	5	achieving	achieve	VERB
arjefm-1226	90	6	optimal	optimal	ADJ
arjefm-1226	90	7	investment	investment	NOUN
arjefm-1226	90	8	outcomes	outcome	NOUN
arjefm-1226	90	9	.	.	PUNCT
arjefm-1226	91	1	2.2.3	2.2.3	X
arjefm-1226	91	2	.	.	PUNCT
arjefm-1226	91	3	market	market	NOUN
arjefm-1226	91	4	power	power	NOUN
arjefm-1226	91	5	theory	theory	NOUN
arjefm-1226	91	6	(	(	PUNCT
arjefm-1226	91	7	mpt	mpt	PROPN
arjefm-1226	91	8	)	)	PUNCT
arjefm-1226	91	9	introduced	introduce	VERB
arjefm-1226	91	10	by	by	ADP
arjefm-1226	91	11	porter	porter	NOUN
arjefm-1226	91	12	(	(	PUNCT
arjefm-1226	91	13	1980	1980	NUM
arjefm-1226	91	14	)	)	PUNCT
arjefm-1226	91	15	,	,	PUNCT
arjefm-1226	91	16	market	market	NOUN
arjefm-1226	91	17	power	power	NOUN
arjefm-1226	91	18	theory	theory	NOUN
arjefm-1226	91	19	asserts	assert	VERB
arjefm-1226	91	20	that	that	SCONJ
arjefm-1226	91	21	firms	firm	NOUN
arjefm-1226	91	22	gain	gain	VERB
arjefm-1226	91	23	competitive	competitive	ADJ
arjefm-1226	91	24	advantage	advantage	NOUN
arjefm-1226	91	25	by	by	ADP
arjefm-1226	91	26	differentiating	differentiate	VERB
arjefm-1226	91	27	themselves	themselves	PRON
arjefm-1226	91	28	and	and	CCONJ
arjefm-1226	91	29	influencing	influence	VERB
arjefm-1226	91	30	market	market	NOUN
arjefm-1226	91	31	dynamics	dynamic	NOUN
arjefm-1226	91	32	through	through	ADP
arjefm-1226	91	33	strategic	strategic	ADJ
arjefm-1226	91	34	positioning	positioning	NOUN
arjefm-1226	91	35	and	and	CCONJ
arjefm-1226	91	36	diversification	diversification	NOUN
arjefm-1226	91	37	.	.	PUNCT
arjefm-1226	92	1	key	key	ADJ
arjefm-1226	92	2	drivers	driver	NOUN
arjefm-1226	92	3	of	of	ADP
arjefm-1226	92	4	market	market	NOUN
arjefm-1226	92	5	power	power	NOUN
arjefm-1226	92	6	include	include	VERB
arjefm-1226	92	7	limiting	limit	VERB
arjefm-1226	92	8	rivalry	rivalry	NOUN
arjefm-1226	92	9	,	,	PUNCT
arjefm-1226	92	10	reciprocal	reciprocal	ADJ
arjefm-1226	92	11	buying	buying	NOUN
arjefm-1226	92	12	,	,	PUNCT
arjefm-1226	92	13	and	and	CCONJ
arjefm-1226	92	14	crosssubsidization	crosssubsidization	NOUN
arjefm-1226	92	15	—	—	PUNCT
arjefm-1226	92	16	each	each	PRON
arjefm-1226	92	17	reinforcing	reinforce	VERB
arjefm-1226	92	18	the	the	DET
arjefm-1226	92	19	others	other	NOUN
arjefm-1226	92	20	to	to	PART
arjefm-1226	92	21	strengthen	strengthen	VERB
arjefm-1226	92	22	a	a	DET
arjefm-1226	92	23	firm	firm	NOUN
arjefm-1226	92	24	's	's	PART
arjefm-1226	92	25	influence	influence	NOUN
arjefm-1226	92	26	(	(	PUNCT
arjefm-1226	92	27	kollie	kollie	PROPN
arjefm-1226	92	28	,	,	PUNCT
arjefm-1226	92	29	2024	2024	NUM
arjefm-1226	92	30	)	)	PUNCT
arjefm-1226	92	31	empirical	empirical	ADJ
arjefm-1226	92	32	review	review	NOUN
arjefm-1226	92	33	using	use	VERB
arjefm-1226	92	34	robust	robust	ADJ
arjefm-1226	92	35	least	least	ADJ
arjefm-1226	92	36	square	square	ADJ
arjefm-1226	92	37	(	(	PUNCT
arjefm-1226	92	38	rls	rls	PROPN
arjefm-1226	92	39	)	)	PUNCT
arjefm-1226	92	40	,	,	PUNCT
arjefm-1226	92	41	ezeana	ezeana	PROPN
arjefm-1226	92	42	,	,	PUNCT
arjefm-1226	92	43	et	et	PROPN
arjefm-1226	92	44	al	al	PROPN
arjefm-1226	92	45	(	(	PUNCT
arjefm-1226	92	46	2024	2024	NUM
arjefm-1226	92	47	)	)	PUNCT
arjefm-1226	92	48	evaluated	evaluate	VERB
arjefm-1226	92	49	corporate	corporate	ADJ
arjefm-1226	92	50	diversification	diversification	NOUN
arjefm-1226	92	51	effect	effect	NOUN
arjefm-1226	92	52	on	on	ADP
arjefm-1226	92	53	value	value	NOUN
arjefm-1226	92	54	of	of	ADP
arjefm-1226	92	55	listed	list	VERB
arjefm-1226	92	56	conglomerate	conglomerate	NOUN
arjefm-1226	92	57	in	in	ADP
arjefm-1226	92	58	nigeria	nigeria	PROPN
arjefm-1226	92	59	.	.	PUNCT
arjefm-1226	93	1	corporate	corporate	ADJ
arjefm-1226	93	2	diversification	diversification	NOUN
arjefm-1226	93	3	was	be	AUX
arjefm-1226	93	4	gauged	gauge	VERB
arjefm-1226	93	5	using	use	VERB
arjefm-1226	93	6	product	product	NOUN
arjefm-1226	93	7	diversification	diversification	NOUN
arjefm-1226	93	8	(	(	PUNCT
arjefm-1226	93	9	prodiv	prodiv	PROPN
arjefm-1226	93	10	)	)	PUNCT
arjefm-1226	93	11	,	,	PUNCT
arjefm-1226	93	12	subsidiary	subsidiary	NOUN
arjefm-1226	93	13	diversification	diversification	NOUN
arjefm-1226	93	14	(	(	PUNCT
arjefm-1226	93	15	subdiv	subdiv	PROPN
arjefm-1226	93	16	)	)	PUNCT
arjefm-1226	93	17	,	,	PUNCT
arjefm-1226	93	18	regional	regional	ADJ
arjefm-1226	93	19	diversification	diversification	NOUN
arjefm-1226	93	20	(	(	PUNCT
arjefm-1226	93	21	regdiv	regdiv	VERB
arjefm-1226	93	22	)	)	PUNCT
arjefm-1226	93	23	and	and	CCONJ
arjefm-1226	93	24	sector	sector	NOUN
arjefm-1226	93	25	diversification	diversification	NOUN
arjefm-1226	93	26	(	(	PUNCT
arjefm-1226	93	27	secdiv	secdiv	PROPN
arjefm-1226	93	28	)	)	PUNCT
arjefm-1226	93	29	while	while	SCONJ
arjefm-1226	93	30	the	the	DET
arjefm-1226	93	31	corporate	corporate	ADJ
arjefm-1226	93	32	value	value	NOUN
arjefm-1226	93	33	was	be	AUX
arjefm-1226	93	34	measured	measure	VERB
arjefm-1226	93	35	by	by	ADP
arjefm-1226	93	36	tobin	tobin	PROPN
arjefm-1226	93	37	’s	’s	PART
arjefm-1226	93	38	q.	q.	PROPN
arjefm-1226	93	39	the	the	DET
arjefm-1226	93	40	ex	ex	NOUN
arjefm-1226	93	41	-	-	ADJ
arjefm-1226	93	42	post	post	ADJ
arjefm-1226	93	43	facto	facto	X
arjefm-1226	93	44	research	research	NOUN
arjefm-1226	93	45	design	design	NOUN
arjefm-1226	93	46	was	be	AUX
arjefm-1226	93	47	employed	employ	VERB
arjefm-1226	93	48	for	for	ADP
arjefm-1226	93	49	the	the	DET
arjefm-1226	93	50	study	study	NOUN
arjefm-1226	93	51	.	.	PUNCT
arjefm-1226	94	1	a	a	DET
arjefm-1226	94	2	sample	sample	NOUN
arjefm-1226	94	3	of	of	ADP
arjefm-1226	94	4	five	five	NUM
arjefm-1226	94	5	(	(	PUNCT
arjefm-1226	94	6	5	5	NUM
arjefm-1226	94	7	)	)	PUNCT
arjefm-1226	94	8	listed	list	VERB
arjefm-1226	94	9	conglomerates	conglomerate	NOUN
arjefm-1226	94	10	out	out	ADP
arjefm-1226	94	11	of	of	ADP
arjefm-1226	94	12	the	the	DET
arjefm-1226	94	13	six	six	NUM
arjefm-1226	94	14	(	(	PUNCT
arjefm-1226	94	15	6	6	NUM
arjefm-1226	94	16	)	)	PUNCT
arjefm-1226	94	17	listed	list	VERB
arjefm-1226	94	18	conglomerates	conglomerate	NOUN
arjefm-1226	94	19	was	be	AUX
arjefm-1226	94	20	used	use	VERB
arjefm-1226	94	21	for	for	ADP
arjefm-1226	94	22	the	the	DET
arjefm-1226	94	23	study	study	NOUN
arjefm-1226	94	24	.	.	PUNCT
arjefm-1226	95	1	secondary	secondary	ADJ
arjefm-1226	95	2	data	datum	NOUN
arjefm-1226	95	3	from	from	ADP
arjefm-1226	95	4	the	the	DET
arjefm-1226	95	5	annual	annual	ADJ
arjefm-1226	95	6	reports	report	NOUN
arjefm-1226	95	7	of	of	ADP
arjefm-1226	95	8	the	the	DET
arjefm-1226	95	9	sampled	sample	VERB
arjefm-1226	95	10	conglomerates	conglomerate	NOUN
arjefm-1226	95	11	from	from	ADP
arjefm-1226	95	12	2012	2012	NUM
arjefm-1226	95	13	to	to	ADP
arjefm-1226	95	14	2023	2023	NUM
arjefm-1226	95	15	was	be	AUX
arjefm-1226	95	16	used	use	VERB
arjefm-1226	95	17	in	in	ADP
arjefm-1226	95	18	analyzing	analyze	VERB
arjefm-1226	95	19	data	datum	NOUN
arjefm-1226	95	20	.	.	PUNCT
arjefm-1226	96	1	it	it	PRON
arjefm-1226	96	2	was	be	AUX
arjefm-1226	96	3	discovered	discover	VERB
arjefm-1226	96	4	that	that	SCONJ
arjefm-1226	96	5	prodiv	prodiv	NOUN
arjefm-1226	96	6	and	and	CCONJ
arjefm-1226	96	7	secdiv	secdiv	PROPN
arjefm-1226	96	8	has	have	VERB
arjefm-1226	96	9	a	a	DET
arjefm-1226	96	10	significant	significant	ADJ
arjefm-1226	96	11	negative	negative	ADJ
arjefm-1226	96	12	effect	effect	NOUN
arjefm-1226	96	13	on	on	ADP
arjefm-1226	96	14	corporate	corporate	ADJ
arjefm-1226	96	15	value	value	NOUN
arjefm-1226	96	16	of	of	ADP
arjefm-1226	96	17	listed	list	VERB
arjefm-1226	96	18	conglomerates	conglomerate	NOUN
arjefm-1226	96	19	in	in	ADP
arjefm-1226	96	20	nigeria	nigeria	PROPN
arjefm-1226	96	21	.	.	PUNCT
arjefm-1226	97	1	conversely	conversely	ADV
arjefm-1226	97	2	,	,	PUNCT
arjefm-1226	97	3	subiv	subiv	NOUN
arjefm-1226	97	4	and	and	CCONJ
arjefm-1226	97	5	regdiv	regdiv	PROPN
arjefm-1226	97	6	has	have	VERB
arjefm-1226	97	7	a	a	DET
arjefm-1226	97	8	significant	significant	ADJ
arjefm-1226	97	9	positive	positive	ADJ
arjefm-1226	97	10	effect	effect	NOUN
arjefm-1226	97	11	on	on	ADP
arjefm-1226	97	12	corporate	corporate	ADJ
arjefm-1226	97	13	value	value	NOUN
arjefm-1226	97	14	of	of	ADP
arjefm-1226	97	15	listed	list	VERB
arjefm-1226	97	16	conglomerates	conglomerate	NOUN
arjefm-1226	97	17	in	in	ADP
arjefm-1226	97	18	nigeria	nigeria	PROPN
arjefm-1226	97	19	.	.	PUNCT
arjefm-1226	98	1	using	use	VERB
arjefm-1226	98	2	descriptive	descriptive	ADJ
arjefm-1226	98	3	research	research	NOUN
arjefm-1226	98	4	design	design	NOUN
arjefm-1226	98	5	,	,	PUNCT
arjefm-1226	98	6	kollie	kollie	PROPN
arjefm-1226	98	7	(	(	PUNCT
arjefm-1226	98	8	2024	2024	NUM
arjefm-1226	98	9	)	)	PUNCT
arjefm-1226	98	10	sought	seek	VERB
arjefm-1226	98	11	to	to	PART
arjefm-1226	98	12	determine	determine	VERB
arjefm-1226	98	13	the	the	DET
arjefm-1226	98	14	effect	effect	NOUN
arjefm-1226	98	15	of	of	ADP
arjefm-1226	98	16	income	income	NOUN
arjefm-1226	98	17	diversification	diversification	NOUN
arjefm-1226	98	18	on	on	ADP
arjefm-1226	98	19	the	the	DET
arjefm-1226	98	20	financial	financial	ADJ
arjefm-1226	98	21	performance	performance	NOUN
arjefm-1226	98	22	of	of	ADP
arjefm-1226	98	23	commercial	commercial	ADJ
arjefm-1226	98	24	banks	bank	NOUN
arjefm-1226	98	25	in	in	ADP
arjefm-1226	98	26	sierra	sierra	PROPN
arjefm-1226	98	27	leone	leone	PROPN
arjefm-1226	98	28	from	from	ADP
arjefm-1226	98	29	2018	2018	NUM
arjefm-1226	98	30	to	to	ADP
arjefm-1226	98	31	2022	2022	NUM
arjefm-1226	98	32	.	.	PUNCT
arjefm-1226	99	1	the	the	DET
arjefm-1226	99	2	study	study	NOUN
arjefm-1226	99	3	found	find	VERB
arjefm-1226	99	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	99	5	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	99	6	tel:1952	tel:1952	NOUN
arjefm-1226	99	7	tel:2019	tel:2019	NUM
arjefm-1226	99	8	tel:2021	tel:2021	NOUN
arjefm-1226	99	9	tel:1980	tel:1980	PROPN
arjefm-1226	99	10	tel:2024	tel:2024	PROPN
arjefm-1226	99	11	american	american	PROPN
arjefm-1226	99	12	research	research	PROPN
arjefm-1226	99	13	journal	journal	PROPN
arjefm-1226	99	14	of	of	ADP
arjefm-1226	99	15	economics	economic	NOUN
arjefm-1226	99	16	,	,	PUNCT
arjefm-1226	99	17	finance	finance	NOUN
arjefm-1226	99	18	and	and	CCONJ
arjefm-1226	99	19	management	management	NOUN
arjefm-1226	99	20	volume	volume	NOUN
arjefm-1226	99	21	13	13	NUM
arjefm-1226	99	22	issue	issue	NOUN
arjefm-1226	99	23	3	3	NUM
arjefm-1226	99	24	,	,	PUNCT
arjefm-1226	99	25	july	july	PROPN
arjefm-1226	99	26	-	-	PUNCT
arjefm-1226	99	27	september	september	PROPN
arjefm-1226	99	28	2025	2025	NUM
arjefm-1226	99	29	issn	issn	NOUN
arjefm-1226	99	30	:	:	PUNCT
arjefm-1226	99	31	2836	2836	NUM
arjefm-1226	99	32	-	-	SYM
arjefm-1226	99	33	9416	9416	NUM
arjefm-1226	99	34	impact	impact	NOUN
arjefm-1226	99	35	factor	factor	NOUN
arjefm-1226	99	36	:	:	PUNCT
arjefm-1226	99	37	6.41	6.41	NUM
arjefm-1226	99	38	journal	journal	NOUN
arjefm-1226	99	39	homepage	homepage	NOUN
arjefm-1226	99	40	:	:	PUNCT
arjefm-1226	99	41	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	99	42	email	email	NOUN
arjefm-1226	99	43	:	:	PUNCT
arjefm-1226	99	44	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	99	45	official	official	ADJ
arjefm-1226	99	46	journal	journal	PROPN
arjefm-1226	99	47	of	of	ADP
arjefm-1226	99	48	america	america	PROPN
arjefm-1226	99	49	serial	serial	PROPN
arjefm-1226	99	50	publication	publication	NOUN
arjefm-1226	99	51	american	american	PROPN
arjefm-1226	99	52	research	research	PROPN
arjefm-1226	99	53	journal	journal	PROPN
arjefm-1226	99	54	of	of	ADP
arjefm-1226	99	55	economics	economic	NOUN
arjefm-1226	99	56	,	,	PUNCT
arjefm-1226	99	57	finance	finance	NOUN
arjefm-1226	99	58	and	and	CCONJ
arjefm-1226	99	59	management	management	NOUN
arjefm-1226	99	60	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	99	61	,	,	PUNCT
arjefm-1226	99	62	email	email	NOUN
arjefm-1226	99	63	:	:	PUNCT
arjefm-1226	100	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	100	2	28	28	NUM
arjefm-1226	101	1	|	|	ADV
arjefm-1226	101	2	p	p	X
arjefm-1226	101	3	a	a	DET
arjefm-1226	101	4	g	g	NOUN
arjefm-1226	101	5	e	e	NOUN
arjefm-1226	101	6	that	that	PRON
arjefm-1226	101	7	income	income	NOUN
arjefm-1226	101	8	diversification	diversification	NOUN
arjefm-1226	101	9	was	be	AUX
arjefm-1226	101	10	negatively	negatively	ADV
arjefm-1226	101	11	related	relate	VERB
arjefm-1226	101	12	to	to	ADP
arjefm-1226	101	13	financial	financial	ADJ
arjefm-1226	101	14	performance	performance	NOUN
arjefm-1226	101	15	.	.	PUNCT
arjefm-1226	102	1	also	also	ADV
arjefm-1226	102	2	,	,	PUNCT
arjefm-1226	102	3	size	size	NOUN
arjefm-1226	102	4	and	and	CCONJ
arjefm-1226	102	5	capital	capital	NOUN
arjefm-1226	102	6	adequacy	adequacy	NOUN
arjefm-1226	102	7	had	have	VERB
arjefm-1226	102	8	a	a	DET
arjefm-1226	102	9	positive	positive	ADJ
arjefm-1226	102	10	effect	effect	NOUN
arjefm-1226	102	11	,	,	PUNCT
arjefm-1226	102	12	which	which	PRON
arjefm-1226	102	13	was	be	AUX
arjefm-1226	102	14	statistically	statistically	ADV
arjefm-1226	102	15	significant	significant	ADJ
arjefm-1226	102	16	,	,	PUNCT
arjefm-1226	102	17	while	while	SCONJ
arjefm-1226	102	18	liquidity	liquidity	NOUN
arjefm-1226	102	19	had	have	VERB
arjefm-1226	102	20	a	a	DET
arjefm-1226	102	21	negative	negative	ADJ
arjefm-1226	102	22	impact	impact	NOUN
arjefm-1226	102	23	on	on	ADP
arjefm-1226	102	24	financial	financial	ADJ
arjefm-1226	102	25	performance	performance	NOUN
arjefm-1226	102	26	and	and	CCONJ
arjefm-1226	102	27	was	be	AUX
arjefm-1226	102	28	not	not	PART
arjefm-1226	102	29	statistically	statistically	ADV
arjefm-1226	102	30	significant	significant	ADJ
arjefm-1226	102	31	.	.	PUNCT
arjefm-1226	103	1	agbesuyi	agbesuyi	ADJ
arjefm-1226	103	2	,	,	PUNCT
arjefm-1226	103	3	et	et	PROPN
arjefm-1226	103	4	al	al	PROPN
arjefm-1226	103	5	.	.	PROPN
arjefm-1226	104	1	(	(	PUNCT
arjefm-1226	104	2	2023	2023	NUM
arjefm-1226	104	3	)	)	PUNCT
arjefm-1226	104	4	delved	delve	VERB
arjefm-1226	104	5	into	into	ADP
arjefm-1226	104	6	the	the	DET
arjefm-1226	104	7	nexus	nexus	NOUN
arjefm-1226	104	8	between	between	ADP
arjefm-1226	104	9	investment	investment	NOUN
arjefm-1226	104	10	diversification	diversification	NOUN
arjefm-1226	104	11	and	and	CCONJ
arjefm-1226	104	12	performance	performance	NOUN
arjefm-1226	104	13	of	of	ADP
arjefm-1226	104	14	commercial	commercial	ADJ
arjefm-1226	104	15	banks	bank	NOUN
arjefm-1226	104	16	in	in	ADP
arjefm-1226	104	17	nigeria	nigeria	PROPN
arjefm-1226	104	18	,	,	PUNCT
arjefm-1226	104	19	from	from	ADP
arjefm-1226	104	20	2012	2012	NUM
arjefm-1226	104	21	to	to	ADP
arjefm-1226	104	22	2021	2021	NUM
arjefm-1226	104	23	.	.	PUNCT
arjefm-1226	105	1	using	use	VERB
arjefm-1226	105	2	multiple	multiple	ADJ
arjefm-1226	105	3	regression	regression	NOUN
arjefm-1226	105	4	models	model	NOUN
arjefm-1226	105	5	,	,	PUNCT
arjefm-1226	105	6	findings	finding	NOUN
arjefm-1226	105	7	revealed	reveal	VERB
arjefm-1226	105	8	that	that	SCONJ
arjefm-1226	105	9	investment	investment	NOUN
arjefm-1226	105	10	in	in	ADP
arjefm-1226	105	11	securities	security	NOUN
arjefm-1226	105	12	and	and	CCONJ
arjefm-1226	105	13	the	the	DET
arjefm-1226	105	14	size	size	NOUN
arjefm-1226	105	15	of	of	ADP
arjefm-1226	105	16	the	the	DET
arjefm-1226	105	17	loan	loan	NOUN
arjefm-1226	105	18	portfolio	portfolio	NOUN
arjefm-1226	105	19	has	have	VERB
arjefm-1226	105	20	a	a	DET
arjefm-1226	105	21	significant	significant	ADJ
arjefm-1226	105	22	positive	positive	ADJ
arjefm-1226	105	23	impact	impact	NOUN
arjefm-1226	105	24	on	on	ADP
arjefm-1226	105	25	financial	financial	ADJ
arjefm-1226	105	26	performance	performance	NOUN
arjefm-1226	105	27	(	(	PUNCT
arjefm-1226	105	28	net	net	ADJ
arjefm-1226	105	29	interest	interest	NOUN
arjefm-1226	105	30	margin	margin	NOUN
arjefm-1226	105	31	-	-	PUNCT
arjefm-1226	105	32	nim	nim	NOUN
arjefm-1226	105	33	)	)	PUNCT
arjefm-1226	105	34	,	,	PUNCT
arjefm-1226	105	35	roa	roa	NOUN
arjefm-1226	105	36	and	and	CCONJ
arjefm-1226	105	37	roe	roe	PROPN
arjefm-1226	105	38	)	)	PUNCT
arjefm-1226	105	39	.	.	PUNCT
arjefm-1226	106	1	conversely	conversely	ADV
arjefm-1226	106	2	,	,	PUNCT
arjefm-1226	106	3	investment	investment	NOUN
arjefm-1226	106	4	in	in	ADP
arjefm-1226	106	5	associates	associate	NOUN
arjefm-1226	106	6	demonstrated	demonstrate	VERB
arjefm-1226	106	7	a	a	DET
arjefm-1226	106	8	notable	notable	ADJ
arjefm-1226	106	9	negative	negative	ADJ
arjefm-1226	106	10	association	association	NOUN
arjefm-1226	106	11	with	with	ADP
arjefm-1226	106	12	financial	financial	ADJ
arjefm-1226	106	13	performance	performance	NOUN
arjefm-1226	106	14	,	,	PUNCT
arjefm-1226	106	15	while	while	SCONJ
arjefm-1226	106	16	bank	bank	NOUN
arjefm-1226	106	17	size	size	NOUN
arjefm-1226	106	18	emerged	emerge	VERB
arjefm-1226	106	19	as	as	ADP
arjefm-1226	106	20	a	a	DET
arjefm-1226	106	21	positive	positive	ADJ
arjefm-1226	106	22	predictor	predictor	NOUN
arjefm-1226	106	23	of	of	ADP
arjefm-1226	106	24	financial	financial	ADJ
arjefm-1226	106	25	performance	performance	NOUN
arjefm-1226	106	26	.	.	PUNCT
arjefm-1226	107	1	amahalu	amahalu	PROPN
arjefm-1226	107	2	,	,	PUNCT
arjefm-1226	107	3	et	et	PROPN
arjefm-1226	107	4	al	al	PROPN
arjefm-1226	107	5	.	.	PROPN
arjefm-1226	108	1	(	(	PUNCT
arjefm-1226	108	2	2023	2023	NUM
arjefm-1226	108	3	)	)	PUNCT
arjefm-1226	108	4	examined	examine	VERB
arjefm-1226	108	5	the	the	DET
arjefm-1226	108	6	nexus	nexus	NOUN
arjefm-1226	108	7	between	between	ADP
arjefm-1226	108	8	diversification	diversification	NOUN
arjefm-1226	108	9	and	and	CCONJ
arjefm-1226	108	10	financial	financial	ADJ
arjefm-1226	108	11	performance	performance	NOUN
arjefm-1226	108	12	of	of	ADP
arjefm-1226	108	13	quoted	quote	VERB
arjefm-1226	108	14	commercial	commercial	ADJ
arjefm-1226	108	15	banks	bank	NOUN
arjefm-1226	108	16	in	in	ADP
arjefm-1226	108	17	nigeria	nigeria	PRON
arjefm-1226	108	18	between	between	ADP
arjefm-1226	108	19	2009	2009	NUM
arjefm-1226	108	20	and	and	CCONJ
arjefm-1226	108	21	2022	2022	NUM
arjefm-1226	108	22	.	.	PUNCT
arjefm-1226	109	1	panel	panel	NOUN
arjefm-1226	109	2	least	least	ADJ
arjefm-1226	109	3	square	square	ADJ
arjefm-1226	109	4	(	(	PUNCT
arjefm-1226	109	5	pls	pls	INTJ
arjefm-1226	109	6	)	)	PUNCT
arjefm-1226	109	7	regression	regression	NOUN
arjefm-1226	109	8	analysis	analysis	NOUN
arjefm-1226	109	9	was	be	AUX
arjefm-1226	109	10	employed	employ	VERB
arjefm-1226	109	11	in	in	ADP
arjefm-1226	109	12	analyzing	analyze	VERB
arjefm-1226	109	13	the	the	DET
arjefm-1226	109	14	data	datum	NOUN
arjefm-1226	109	15	sourced	source	VERB
arjefm-1226	109	16	.	.	PUNCT
arjefm-1226	110	1	findings	finding	NOUN
arjefm-1226	110	2	showed	show	VERB
arjefm-1226	110	3	that	that	SCONJ
arjefm-1226	110	4	investment	investment	NOUN
arjefm-1226	110	5	in	in	ADP
arjefm-1226	110	6	debt	debt	NOUN
arjefm-1226	110	7	securities	security	NOUN
arjefm-1226	110	8	,	,	PUNCT
arjefm-1226	110	9	investment	investment	NOUN
arjefm-1226	110	10	in	in	ADP
arjefm-1226	110	11	equity	equity	NOUN
arjefm-1226	110	12	securities	security	NOUN
arjefm-1226	110	13	and	and	CCONJ
arjefm-1226	110	14	investment	investment	NOUN
arjefm-1226	110	15	in	in	ADP
arjefm-1226	110	16	subsidiaries	subsidiary	NOUN
arjefm-1226	110	17	measures	measure	NOUN
arjefm-1226	110	18	of	of	ADP
arjefm-1226	110	19	diversification	diversification	NOUN
arjefm-1226	110	20	has	have	VERB
arjefm-1226	110	21	a	a	DET
arjefm-1226	110	22	significant	significant	ADJ
arjefm-1226	110	23	positive	positive	ADJ
arjefm-1226	110	24	relationship	relationship	NOUN
arjefm-1226	110	25	with	with	ADP
arjefm-1226	110	26	return	return	NOUN
arjefm-1226	110	27	on	on	ADP
arjefm-1226	110	28	assets	asset	NOUN
arjefm-1226	110	29	of	of	ADP
arjefm-1226	110	30	quoted	quote	VERB
arjefm-1226	110	31	commercial	commercial	ADJ
arjefm-1226	110	32	banks	bank	NOUN
arjefm-1226	110	33	in	in	ADP
arjefm-1226	110	34	nigeria	nigeria	PROPN
arjefm-1226	110	35	.	.	PUNCT
arjefm-1226	111	1	ayodele	ayodele	PROPN
arjefm-1226	111	2	,	,	PUNCT
arjefm-1226	111	3	et	et	PROPN
arjefm-1226	111	4	al	al	PROPN
arjefm-1226	111	5	(	(	PUNCT
arjefm-1226	111	6	2023	2023	NUM
arjefm-1226	111	7	)	)	PUNCT
arjefm-1226	111	8	studied	study	VERB
arjefm-1226	111	9	the	the	DET
arjefm-1226	111	10	effects	effect	NOUN
arjefm-1226	111	11	of	of	ADP
arjefm-1226	111	12	portfolio	portfolio	NOUN
arjefm-1226	111	13	diversification	diversification	NOUN
arjefm-1226	111	14	on	on	ADP
arjefm-1226	111	15	the	the	DET
arjefm-1226	111	16	financial	financial	ADJ
arjefm-1226	111	17	performance	performance	NOUN
arjefm-1226	111	18	of	of	ADP
arjefm-1226	111	19	nigerian	nigerian	ADJ
arjefm-1226	111	20	deposit	deposit	NOUN
arjefm-1226	111	21	money	money	NOUN
arjefm-1226	111	22	banks	bank	NOUN
arjefm-1226	111	23	(	(	PUNCT
arjefm-1226	111	24	dmbs	dmb	NOUN
arjefm-1226	111	25	)	)	PUNCT
arjefm-1226	111	26	.	.	PUNCT
arjefm-1226	112	1	portfolio	portfolio	NOUN
arjefm-1226	112	2	diversification	diversification	NOUN
arjefm-1226	112	3	was	be	AUX
arjefm-1226	112	4	gauged	gauge	VERB
arjefm-1226	112	5	using	use	VERB
arjefm-1226	112	6	sectorial	sectorial	ADJ
arjefm-1226	112	7	credit	credit	NOUN
arjefm-1226	112	8	diversification	diversification	NOUN
arjefm-1226	112	9	,	,	PUNCT
arjefm-1226	112	10	income	income	NOUN
arjefm-1226	112	11	stream	stream	NOUN
arjefm-1226	112	12	diversification	diversification	NOUN
arjefm-1226	112	13	,	,	PUNCT
arjefm-1226	112	14	deposit	deposit	NOUN
arjefm-1226	112	15	diversification	diversification	NOUN
arjefm-1226	112	16	,	,	PUNCT
arjefm-1226	112	17	and	and	CCONJ
arjefm-1226	112	18	investment	investment	NOUN
arjefm-1226	112	19	diversification	diversification	NOUN
arjefm-1226	112	20	while	while	SCONJ
arjefm-1226	112	21	financial	financial	ADJ
arjefm-1226	112	22	performance	performance	NOUN
arjefm-1226	112	23	measured	measure	VERB
arjefm-1226	112	24	by	by	ADP
arjefm-1226	112	25	return	return	NOUN
arjefm-1226	112	26	on	on	ADP
arjefm-1226	112	27	equity	equity	NOUN
arjefm-1226	112	28	.	.	PUNCT
arjefm-1226	113	1	the	the	DET
arjefm-1226	113	2	study	study	NOUN
arjefm-1226	113	3	spanned	span	VERB
arjefm-1226	113	4	from	from	ADP
arjefm-1226	113	5	2000	2000	NUM
arjefm-1226	113	6	to	to	ADP
arjefm-1226	113	7	2022	2022	NUM
arjefm-1226	113	8	,	,	PUNCT
arjefm-1226	113	9	data	datum	NOUN
arjefm-1226	113	10	were	be	AUX
arjefm-1226	113	11	obtained	obtain	VERB
arjefm-1226	113	12	from	from	ADP
arjefm-1226	113	13	the	the	DET
arjefm-1226	113	14	yearly	yearly	ADJ
arjefm-1226	113	15	financial	financial	ADJ
arjefm-1226	113	16	statements	statement	NOUN
arjefm-1226	113	17	of	of	ADP
arjefm-1226	113	18	six	six	NUM
arjefm-1226	113	19	(	(	PUNCT
arjefm-1226	113	20	6	6	NUM
arjefm-1226	113	21	)	)	PUNCT
arjefm-1226	113	22	selected	select	VERB
arjefm-1226	113	23	nigerian	nigerian	ADJ
arjefm-1226	113	24	dmbs	dmb	NOUN
arjefm-1226	113	25	.	.	PUNCT
arjefm-1226	114	1	the	the	DET
arjefm-1226	114	2	results	result	NOUN
arjefm-1226	114	3	revealed	reveal	VERB
arjefm-1226	114	4	that	that	SCONJ
arjefm-1226	114	5	sectorial	sectorial	ADJ
arjefm-1226	114	6	credit	credit	NOUN
arjefm-1226	114	7	diversification	diversification	NOUN
arjefm-1226	114	8	and	and	CCONJ
arjefm-1226	114	9	deposit	deposit	NOUN
arjefm-1226	114	10	diversification	diversification	NOUN
arjefm-1226	114	11	significantly	significantly	ADV
arjefm-1226	114	12	improved	improve	VERB
arjefm-1226	114	13	the	the	DET
arjefm-1226	114	14	financial	financial	ADJ
arjefm-1226	114	15	performance	performance	NOUN
arjefm-1226	114	16	of	of	ADP
arjefm-1226	114	17	dmbs	dmb	NOUN
arjefm-1226	114	18	in	in	ADP
arjefm-1226	114	19	nigeria	nigeria	PROPN
arjefm-1226	114	20	,	,	PUNCT
arjefm-1226	114	21	whereas	whereas	SCONJ
arjefm-1226	114	22	income	income	NOUN
arjefm-1226	114	23	stream	stream	NOUN
arjefm-1226	114	24	diversification	diversification	NOUN
arjefm-1226	114	25	and	and	CCONJ
arjefm-1226	114	26	investment	investment	NOUN
arjefm-1226	114	27	diversification	diversification	NOUN
arjefm-1226	114	28	have	have	VERB
arjefm-1226	114	29	the	the	DET
arjefm-1226	114	30	opposite	opposite	ADJ
arjefm-1226	114	31	effect	effect	NOUN
arjefm-1226	114	32	.	.	PUNCT
arjefm-1226	115	1	radojičić	radojičić	NOUN
arjefm-1226	115	2	,	,	PUNCT
arjefm-1226	115	3	and	and	CCONJ
arjefm-1226	115	4	marinković	marinković	ADJ
arjefm-1226	115	5	(	(	PUNCT
arjefm-1226	115	6	2023	2023	NUM
arjefm-1226	115	7	)	)	PUNCT
arjefm-1226	115	8	explored	explore	VERB
arjefm-1226	115	9	the	the	DET
arjefm-1226	115	10	relationship	relationship	NOUN
arjefm-1226	115	11	between	between	ADP
arjefm-1226	115	12	the	the	DET
arjefm-1226	115	13	diversification	diversification	NOUN
arjefm-1226	115	14	of	of	ADP
arjefm-1226	115	15	bank	bank	NOUN
arjefm-1226	115	16	activities	activity	NOUN
arjefm-1226	115	17	and	and	CCONJ
arjefm-1226	115	18	a	a	DET
arjefm-1226	115	19	set	set	NOUN
arjefm-1226	115	20	of	of	ADP
arjefm-1226	115	21	bank	bank	NOUN
arjefm-1226	115	22	performance	performance	NOUN
arjefm-1226	115	23	indicators	indicator	NOUN
arjefm-1226	115	24	by	by	ADP
arjefm-1226	115	25	running	run	VERB
arjefm-1226	115	26	multiple	multiple	ADJ
arjefm-1226	115	27	regression	regression	NOUN
arjefm-1226	115	28	on	on	ADP
arjefm-1226	115	29	panel	panel	NOUN
arjefm-1226	115	30	data	datum	NOUN
arjefm-1226	115	31	set	set	VERB
arjefm-1226	115	32	of	of	ADP
arjefm-1226	115	33	22	22	NUM
arjefm-1226	115	34	operating	operate	VERB
arjefm-1226	115	35	banks	bank	NOUN
arjefm-1226	115	36	in	in	ADP
arjefm-1226	115	37	serbia	serbia	PROPN
arjefm-1226	115	38	for	for	ADP
arjefm-1226	115	39	a	a	DET
arjefm-1226	115	40	period	period	NOUN
arjefm-1226	115	41	15	15	NUM
arjefm-1226	115	42	years	year	NOUN
arjefm-1226	115	43	(	(	PUNCT
arjefm-1226	115	44	2007	2007	NUM
arjefm-1226	115	45	-	-	SYM
arjefm-1226	115	46	2021	2021	NUM
arjefm-1226	115	47	)	)	PUNCT
arjefm-1226	115	48	.	.	PUNCT
arjefm-1226	116	1	they	they	PRON
arjefm-1226	116	2	found	find	VERB
arjefm-1226	116	3	a	a	DET
arjefm-1226	116	4	positive	positive	ADJ
arjefm-1226	116	5	influence	influence	NOUN
arjefm-1226	116	6	of	of	ADP
arjefm-1226	116	7	the	the	DET
arjefm-1226	116	8	degree	degree	NOUN
arjefm-1226	116	9	of	of	ADP
arjefm-1226	116	10	diversification	diversification	NOUN
arjefm-1226	116	11	,	,	PUNCT
arjefm-1226	116	12	measured	measure	VERB
arjefm-1226	116	13	both	both	PRON
arjefm-1226	116	14	by	by	ADP
arjefm-1226	116	15	income	income	NOUN
arjefm-1226	116	16	composition	composition	NOUN
arjefm-1226	116	17	and	and	CCONJ
arjefm-1226	116	18	earning	earn	VERB
arjefm-1226	116	19	assets	asset	NOUN
arjefm-1226	116	20	composition	composition	NOUN
arjefm-1226	116	21	indicators	indicator	NOUN
arjefm-1226	116	22	,	,	PUNCT
arjefm-1226	116	23	on	on	ADP
arjefm-1226	116	24	the	the	DET
arjefm-1226	116	25	levels	level	NOUN
arjefm-1226	116	26	and	and	CCONJ
arjefm-1226	116	27	stability	stability	NOUN
arjefm-1226	116	28	of	of	ADP
arjefm-1226	116	29	the	the	DET
arjefm-1226	116	30	banks	bank	NOUN
arjefm-1226	116	31	’	'	PUNCT
arjefm-1226	116	32	return	return	NOUN
arjefm-1226	116	33	on	on	ADP
arjefm-1226	116	34	equity	equity	NOUN
arjefm-1226	116	35	.	.	PUNCT
arjefm-1226	117	1	the	the	DET
arjefm-1226	117	2	presence	presence	NOUN
arjefm-1226	117	3	of	of	ADP
arjefm-1226	117	4	covid-19	covid-19	PROPN
arjefm-1226	117	5	crisis	crisis	NOUN
arjefm-1226	117	6	revealed	reveal	VERB
arjefm-1226	117	7	the	the	DET
arjefm-1226	117	8	tendency	tendency	NOUN
arjefm-1226	117	9	to	to	PART
arjefm-1226	117	10	reverse	reverse	VERB
arjefm-1226	117	11	the	the	DET
arjefm-1226	117	12	long	long	ADJ
arjefm-1226	117	13	-	-	PUNCT
arjefm-1226	117	14	term	term	NOUN
arjefm-1226	117	15	relationship	relationship	NOUN
arjefm-1226	117	16	.	.	PUNCT
arjefm-1226	118	1	the	the	DET
arjefm-1226	118	2	study	study	NOUN
arjefm-1226	118	3	by	by	ADP
arjefm-1226	118	4	obaro	obaro	NOUN
arjefm-1226	118	5	,	,	PUNCT
arjefm-1226	118	6	et	et	PROPN
arjefm-1226	118	7	al	al	PROPN
arjefm-1226	118	8	.	.	PROPN
arjefm-1226	118	9	(	(	PUNCT
arjefm-1226	118	10	2022	2022	NUM
arjefm-1226	118	11	)	)	PUNCT
arjefm-1226	118	12	centered	center	VERB
arjefm-1226	118	13	on	on	ADP
arjefm-1226	118	14	diversification	diversification	NOUN
arjefm-1226	118	15	strategy	strategy	NOUN
arjefm-1226	118	16	and	and	CCONJ
arjefm-1226	118	17	performance	performance	NOUN
arjefm-1226	118	18	of	of	ADP
arjefm-1226	118	19	banks	bank	NOUN
arjefm-1226	118	20	in	in	ADP
arjefm-1226	118	21	nigeria	nigeria	PROPN
arjefm-1226	118	22	for	for	ADP
arjefm-1226	118	23	22	22	NUM
arjefm-1226	118	24	years	year	NOUN
arjefm-1226	118	25	(	(	PUNCT
arjefm-1226	118	26	1999	1999	NUM
arjefm-1226	118	27	-	-	SYM
arjefm-1226	118	28	2020	2020	NUM
arjefm-1226	118	29	)	)	PUNCT
arjefm-1226	118	30	.	.	PUNCT
arjefm-1226	119	1	time	time	PROPN
arjefm-1226	119	2	series	series	PROPN
arjefm-1226	119	3	data	datum	NOUN
arjefm-1226	119	4	from	from	ADP
arjefm-1226	119	5	the	the	DET
arjefm-1226	119	6	audited	audit	VERB
arjefm-1226	119	7	financial	financial	ADJ
arjefm-1226	119	8	reports	report	NOUN
arjefm-1226	119	9	of	of	ADP
arjefm-1226	119	10	the	the	DET
arjefm-1226	119	11	ten	ten	NUM
arjefm-1226	119	12	(	(	PUNCT
arjefm-1226	119	13	10	10	NUM
arjefm-1226	119	14	)	)	PUNCT
arjefm-1226	119	15	banks	bank	NOUN
arjefm-1226	119	16	considered	consider	VERB
arjefm-1226	119	17	were	be	AUX
arjefm-1226	119	18	collected	collect	VERB
arjefm-1226	119	19	from	from	ADP
arjefm-1226	119	20	cbn	cbn	PROPN
arjefm-1226	119	21	statistical	statistical	ADJ
arjefm-1226	119	22	bulletin	bulletin	NOUN
arjefm-1226	119	23	for	for	ADP
arjefm-1226	119	24	analysis	analysis	NOUN
arjefm-1226	119	25	.	.	PUNCT
arjefm-1226	120	1	diversification	diversification	NOUN
arjefm-1226	120	2	was	be	AUX
arjefm-1226	120	3	operationalized	operationalize	VERB
arjefm-1226	120	4	by	by	ADP
arjefm-1226	120	5	asset	asset	NOUN
arjefm-1226	120	6	diversification	diversification	NOUN
arjefm-1226	120	7	(	(	PUNCT
arjefm-1226	120	8	astd	astd	PROPN
arjefm-1226	120	9	)	)	PUNCT
arjefm-1226	120	10	,	,	PUNCT
arjefm-1226	120	11	deposit	deposit	NOUN
arjefm-1226	120	12	diversification	diversification	NOUN
arjefm-1226	120	13	(	(	PUNCT
arjefm-1226	120	14	depd	depd	NOUN
arjefm-1226	120	15	)	)	PUNCT
arjefm-1226	120	16	,	,	PUNCT
arjefm-1226	120	17	investment	investment	NOUN
arjefm-1226	120	18	diversification	diversification	NOUN
arjefm-1226	120	19	(	(	PUNCT
arjefm-1226	120	20	invd	invd	ADJ
arjefm-1226	120	21	)	)	PUNCT
arjefm-1226	120	22	and	and	CCONJ
arjefm-1226	120	23	product	product	NOUN
arjefm-1226	120	24	diversification	diversification	NOUN
arjefm-1226	120	25	(	(	PUNCT
arjefm-1226	120	26	prod	prod	NOUN
arjefm-1226	120	27	)	)	PUNCT
arjefm-1226	120	28	while	while	SCONJ
arjefm-1226	120	29	bank	bank	NOUN
arjefm-1226	120	30	performance	performance	NOUN
arjefm-1226	120	31	was	be	AUX
arjefm-1226	120	32	measured	measure	VERB
arjefm-1226	120	33	by	by	ADP
arjefm-1226	120	34	roe	roe	PROPN
arjefm-1226	120	35	.	.	PUNCT
arjefm-1226	121	1	the	the	DET
arjefm-1226	121	2	study	study	NOUN
arjefm-1226	121	3	evidenced	evidence	VERB
arjefm-1226	121	4	that	that	SCONJ
arjefm-1226	121	5	astd	astd	PROPN
arjefm-1226	121	6	and	and	CCONJ
arjefm-1226	121	7	invd	invd	NOUN
arjefm-1226	121	8	posed	pose	VERB
arjefm-1226	121	9	a	a	DET
arjefm-1226	121	10	high	high	ADJ
arjefm-1226	121	11	direct	direct	ADJ
arjefm-1226	121	12	effects	effect	NOUN
arjefm-1226	121	13	on	on	ADP
arjefm-1226	121	14	bank	bank	NOUN
arjefm-1226	121	15	performance	performance	NOUN
arjefm-1226	121	16	while	while	SCONJ
arjefm-1226	121	17	prod	prod	NOUN
arjefm-1226	121	18	exerts	exert	VERB
arjefm-1226	121	19	direct	direct	ADJ
arjefm-1226	121	20	,	,	PUNCT
arjefm-1226	121	21	statistically	statistically	ADV
arjefm-1226	121	22	insignificant	insignificant	ADJ
arjefm-1226	121	23	effect	effect	NOUN
arjefm-1226	121	24	on	on	ADP
arjefm-1226	121	25	bank	bank	NOUN
arjefm-1226	121	26	performance	performance	NOUN
arjefm-1226	121	27	.	.	PUNCT
arjefm-1226	122	1	however	however	ADV
arjefm-1226	122	2	,	,	PUNCT
arjefm-1226	122	3	depd	depd	PROPN
arjefm-1226	122	4	exerted	exert	VERB
arjefm-1226	122	5	high	high	ADJ
arjefm-1226	122	6	negative	negative	ADJ
arjefm-1226	122	7	effects	effect	NOUN
arjefm-1226	122	8	on	on	ADP
arjefm-1226	122	9	bank	bank	NOUN
arjefm-1226	122	10	performance	performance	NOUN
arjefm-1226	122	11	.	.	PUNCT
arjefm-1226	123	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	123	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	124	1	american	american	PROPN
arjefm-1226	124	2	research	research	PROPN
arjefm-1226	124	3	journal	journal	PROPN
arjefm-1226	124	4	of	of	ADP
arjefm-1226	124	5	economics	economic	NOUN
arjefm-1226	124	6	,	,	PUNCT
arjefm-1226	124	7	finance	finance	NOUN
arjefm-1226	124	8	and	and	CCONJ
arjefm-1226	124	9	management	management	NOUN
arjefm-1226	124	10	volume	volume	NOUN
arjefm-1226	124	11	13	13	NUM
arjefm-1226	124	12	issue	issue	NOUN
arjefm-1226	124	13	3	3	NUM
arjefm-1226	124	14	,	,	PUNCT
arjefm-1226	124	15	july	july	PROPN
arjefm-1226	124	16	-	-	PUNCT
arjefm-1226	124	17	september	september	PROPN
arjefm-1226	124	18	2025	2025	NUM
arjefm-1226	124	19	issn	issn	NOUN
arjefm-1226	124	20	:	:	PUNCT
arjefm-1226	124	21	2836	2836	NUM
arjefm-1226	124	22	-	-	SYM
arjefm-1226	124	23	9416	9416	NUM
arjefm-1226	124	24	impact	impact	NOUN
arjefm-1226	124	25	factor	factor	NOUN
arjefm-1226	124	26	:	:	PUNCT
arjefm-1226	124	27	6.41	6.41	NUM
arjefm-1226	124	28	journal	journal	NOUN
arjefm-1226	124	29	homepage	homepage	NOUN
arjefm-1226	124	30	:	:	PUNCT
arjefm-1226	124	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	124	32	email	email	NOUN
arjefm-1226	124	33	:	:	PUNCT
arjefm-1226	124	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	124	35	official	official	ADJ
arjefm-1226	124	36	journal	journal	PROPN
arjefm-1226	124	37	of	of	ADP
arjefm-1226	124	38	america	america	PROPN
arjefm-1226	124	39	serial	serial	PROPN
arjefm-1226	124	40	publication	publication	NOUN
arjefm-1226	124	41	american	american	PROPN
arjefm-1226	124	42	research	research	PROPN
arjefm-1226	124	43	journal	journal	PROPN
arjefm-1226	124	44	of	of	ADP
arjefm-1226	124	45	economics	economic	NOUN
arjefm-1226	124	46	,	,	PUNCT
arjefm-1226	124	47	finance	finance	NOUN
arjefm-1226	124	48	and	and	CCONJ
arjefm-1226	124	49	management	management	NOUN
arjefm-1226	124	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	124	51	,	,	PUNCT
arjefm-1226	124	52	email	email	NOUN
arjefm-1226	124	53	:	:	PUNCT
arjefm-1226	124	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	125	1	29	29	NUM
arjefm-1226	126	1	|	|	ADV
arjefm-1226	126	2	p	p	NOUN
arjefm-1226	126	3	a	a	DET
arjefm-1226	126	4	g	g	NOUN
arjefm-1226	126	5	e	e	NOUN
arjefm-1226	126	6	similarly	similarly	ADV
arjefm-1226	126	7	,	,	PUNCT
arjefm-1226	126	8	octavianus	octavianus	NOUN
arjefm-1226	126	9	&	&	CCONJ
arjefm-1226	126	10	fachrudin	fachrudin	PROPN
arjefm-1226	126	11	(	(	PUNCT
arjefm-1226	126	12	2022	2022	NUM
arjefm-1226	126	13	)	)	PUNCT
arjefm-1226	126	14	considered	consider	VERB
arjefm-1226	126	15	implementation	implementation	NOUN
arjefm-1226	126	16	of	of	ADP
arjefm-1226	126	17	the	the	DET
arjefm-1226	126	18	income	income	NOUN
arjefm-1226	126	19	diversification	diversification	NOUN
arjefm-1226	126	20	strategy	strategy	NOUN
arjefm-1226	126	21	on	on	ADP
arjefm-1226	126	22	stability	stability	NOUN
arjefm-1226	126	23	of	of	ADP
arjefm-1226	126	24	thirty	thirty	NUM
arjefm-1226	126	25	-	-	PUNCT
arjefm-1226	126	26	two	two	NUM
arjefm-1226	126	27	(	(	PUNCT
arjefm-1226	126	28	32	32	NUM
arjefm-1226	126	29	)	)	PUNCT
arjefm-1226	126	30	international	international	ADJ
arjefm-1226	126	31	banks	bank	NOUN
arjefm-1226	126	32	indexed	index	VERB
arjefm-1226	126	33	by	by	ADP
arjefm-1226	126	34	forbes	forbe	NOUN
arjefm-1226	126	35	from	from	ADP
arjefm-1226	126	36	2010	2010	NUM
arjefm-1226	126	37	-	-	SYM
arjefm-1226	126	38	2019	2019	NUM
arjefm-1226	126	39	.	.	PUNCT
arjefm-1226	127	1	the	the	DET
arjefm-1226	127	2	generalized	generalized	ADJ
arjefm-1226	127	3	method	method	NOUN
arjefm-1226	127	4	of	of	ADP
arjefm-1226	127	5	moments	moment	NOUN
arjefm-1226	127	6	(	(	PUNCT
arjefm-1226	127	7	gmm	gmm	NOUN
arjefm-1226	127	8	)	)	PUNCT
arjefm-1226	127	9	was	be	AUX
arjefm-1226	127	10	used	use	VERB
arjefm-1226	127	11	to	to	PART
arjefm-1226	127	12	analyze	analyze	VERB
arjefm-1226	127	13	the	the	DET
arjefm-1226	127	14	panel	panel	NOUN
arjefm-1226	127	15	data	datum	NOUN
arjefm-1226	127	16	.	.	PUNCT
arjefm-1226	128	1	it	it	PRON
arjefm-1226	128	2	was	be	AUX
arjefm-1226	128	3	discovered	discover	VERB
arjefm-1226	128	4	that	that	SCONJ
arjefm-1226	128	5	the	the	DET
arjefm-1226	128	6	implementation	implementation	NOUN
arjefm-1226	128	7	of	of	ADP
arjefm-1226	128	8	the	the	DET
arjefm-1226	128	9	income	income	NOUN
arjefm-1226	128	10	diversification	diversification	NOUN
arjefm-1226	128	11	strategy	strategy	NOUN
arjefm-1226	128	12	adopted	adopt	VERB
arjefm-1226	128	13	by	by	ADP
arjefm-1226	128	14	international	international	ADJ
arjefm-1226	128	15	banks	bank	NOUN
arjefm-1226	128	16	increased	increase	VERB
arjefm-1226	128	17	their	their	PRON
arjefm-1226	128	18	stability	stability	NOUN
arjefm-1226	128	19	during	during	ADP
arjefm-1226	128	20	the	the	DET
arjefm-1226	128	21	reviewed	review	VERB
arjefm-1226	128	22	periods	period	NOUN
arjefm-1226	128	23	.	.	PUNCT
arjefm-1226	129	1	in	in	ADP
arjefm-1226	129	2	nigeria	nigeria	PROPN
arjefm-1226	129	3	,	,	PUNCT
arjefm-1226	129	4	jibrin	jibrin	PROPN
arjefm-1226	129	5	,	,	PUNCT
arjefm-1226	129	6	et	et	PROPN
arjefm-1226	129	7	al	al	PROPN
arjefm-1226	129	8	.	.	PROPN
arjefm-1226	130	1	(	(	PUNCT
arjefm-1226	130	2	2022	2022	NUM
arjefm-1226	130	3	)	)	PUNCT
arjefm-1226	130	4	studied	study	VERB
arjefm-1226	130	5	loan	loan	NOUN
arjefm-1226	130	6	portfolio	portfolio	NOUN
arjefm-1226	130	7	diversification	diversification	NOUN
arjefm-1226	130	8	effect	effect	NOUN
arjefm-1226	130	9	on	on	ADP
arjefm-1226	130	10	risks	risk	NOUN
arjefm-1226	130	11	and	and	CCONJ
arjefm-1226	130	12	returns	return	NOUN
arjefm-1226	130	13	of	of	ADP
arjefm-1226	130	14	thirteen	thirteen	NUM
arjefm-1226	130	15	(	(	PUNCT
arjefm-1226	130	16	13	13	NUM
arjefm-1226	130	17	)	)	PUNCT
arjefm-1226	130	18	banks	bank	NOUN
arjefm-1226	130	19	from	from	ADP
arjefm-1226	130	20	2009	2009	NUM
arjefm-1226	130	21	to	to	ADP
arjefm-1226	130	22	2020	2020	NUM
arjefm-1226	130	23	.	.	PUNCT
arjefm-1226	131	1	using	use	VERB
arjefm-1226	131	2	the	the	DET
arjefm-1226	131	3	pooled	pooled	ADJ
arjefm-1226	131	4	ols	ol	NOUN
arjefm-1226	131	5	,	,	PUNCT
arjefm-1226	131	6	it	it	PRON
arjefm-1226	131	7	was	be	AUX
arjefm-1226	131	8	discovered	discover	VERB
arjefm-1226	131	9	that	that	SCONJ
arjefm-1226	131	10	diversification	diversification	NOUN
arjefm-1226	131	11	of	of	ADP
arjefm-1226	131	12	bank	bank	NOUN
arjefm-1226	131	13	’s	’s	PART
arjefm-1226	131	14	loan	loan	NOUN
arjefm-1226	131	15	does	do	AUX
arjefm-1226	131	16	not	not	PART
arjefm-1226	131	17	significantly	significantly	ADV
arjefm-1226	131	18	increase	increase	VERB
arjefm-1226	131	19	risk	risk	NOUN
arjefm-1226	131	20	level	level	NOUN
arjefm-1226	131	21	of	of	ADP
arjefm-1226	131	22	banks	bank	NOUN
arjefm-1226	131	23	in	in	ADP
arjefm-1226	131	24	nigeria	nigeria	PROPN
arjefm-1226	131	25	.	.	PUNCT
arjefm-1226	132	1	also	also	ADV
arjefm-1226	132	2	,	,	PUNCT
arjefm-1226	132	3	diversification	diversification	NOUN
arjefm-1226	132	4	of	of	ADP
arjefm-1226	132	5	loan	loan	NOUN
arjefm-1226	132	6	increases	increase	VERB
arjefm-1226	132	7	the	the	DET
arjefm-1226	132	8	returns	return	NOUN
arjefm-1226	132	9	of	of	ADP
arjefm-1226	132	10	banks	bank	NOUN
arjefm-1226	132	11	.	.	PUNCT
arjefm-1226	133	1	omosa	omosa	NOUN
arjefm-1226	133	2	,	,	PUNCT
arjefm-1226	133	3	et	et	PROPN
arjefm-1226	133	4	al	al	PROPN
arjefm-1226	133	5	.	.	PROPN
arjefm-1226	133	6	(	(	PUNCT
arjefm-1226	133	7	2022	2022	NUM
arjefm-1226	133	8	)	)	PUNCT
arjefm-1226	133	9	sought	seek	VERB
arjefm-1226	133	10	to	to	PART
arjefm-1226	133	11	determine	determine	VERB
arjefm-1226	133	12	the	the	DET
arjefm-1226	133	13	effect	effect	NOUN
arjefm-1226	133	14	of	of	ADP
arjefm-1226	133	15	product	product	NOUN
arjefm-1226	133	16	diversification	diversification	NOUN
arjefm-1226	133	17	strategy	strategy	NOUN
arjefm-1226	133	18	and	and	CCONJ
arjefm-1226	133	19	performance	performance	NOUN
arjefm-1226	133	20	of	of	ADP
arjefm-1226	133	21	selected	select	VERB
arjefm-1226	133	22	tea	tea	NOUN
arjefm-1226	133	23	factories	factory	NOUN
arjefm-1226	133	24	in	in	ADP
arjefm-1226	133	25	kenya	kenya	PROPN
arjefm-1226	133	26	.	.	PUNCT
arjefm-1226	134	1	the	the	DET
arjefm-1226	134	2	study	study	NOUN
arjefm-1226	134	3	purposively	purposively	ADV
arjefm-1226	134	4	selected	select	VERB
arjefm-1226	134	5	kisii	kisii	ADJ
arjefm-1226	134	6	and	and	CCONJ
arjefm-1226	134	7	kericho	kericho	PROPN
arjefm-1226	134	8	highlands	highlands	PROPN
arjefm-1226	134	9	regions	region	NOUN
arjefm-1226	134	10	.	.	PUNCT
arjefm-1226	135	1	data	datum	NOUN
arjefm-1226	135	2	analysis	analysis	NOUN
arjefm-1226	135	3	was	be	AUX
arjefm-1226	135	4	conducted	conduct	VERB
arjefm-1226	135	5	using	use	VERB
arjefm-1226	135	6	simple	simple	ADJ
arjefm-1226	135	7	linear	linear	ADJ
arjefm-1226	135	8	regression	regression	NOUN
arjefm-1226	135	9	estimate	estimate	NOUN
arjefm-1226	135	10	.	.	PUNCT
arjefm-1226	136	1	study	study	NOUN
arjefm-1226	136	2	findings	finding	NOUN
arjefm-1226	136	3	indicated	indicate	VERB
arjefm-1226	136	4	that	that	SCONJ
arjefm-1226	136	5	product	product	NOUN
arjefm-1226	136	6	diversification	diversification	NOUN
arjefm-1226	136	7	strategy	strategy	NOUN
arjefm-1226	136	8	have	have	VERB
arjefm-1226	136	9	positive	positive	ADJ
arjefm-1226	136	10	effect	effect	NOUN
arjefm-1226	136	11	on	on	ADP
arjefm-1226	136	12	firm	firm	NOUN
arjefm-1226	136	13	’s	’s	PART
arjefm-1226	136	14	performance	performance	NOUN
arjefm-1226	136	15	.	.	PUNCT
arjefm-1226	137	1	salman	salman	PROPN
arjefm-1226	137	2	,	,	PUNCT
arjefm-1226	137	3	et	et	PROPN
arjefm-1226	137	4	al	al	PROPN
arjefm-1226	137	5	.	.	PROPN
arjefm-1226	137	6	(	(	PUNCT
arjefm-1226	137	7	2020	2020	NUM
arjefm-1226	137	8	)	)	PUNCT
arjefm-1226	137	9	conducted	conduct	VERB
arjefm-1226	137	10	a	a	DET
arjefm-1226	137	11	research	research	NOUN
arjefm-1226	137	12	to	to	PART
arjefm-1226	137	13	investigate	investigate	VERB
arjefm-1226	137	14	the	the	DET
arjefm-1226	137	15	relationship	relationship	NOUN
arjefm-1226	137	16	between	between	ADP
arjefm-1226	137	17	investment	investment	NOUN
arjefm-1226	137	18	portfolio	portfolio	NOUN
arjefm-1226	137	19	and	and	CCONJ
arjefm-1226	137	20	fourteen	fourteen	NUM
arjefm-1226	137	21	(	(	PUNCT
arjefm-1226	137	22	14	14	NUM
arjefm-1226	137	23	)	)	PUNCT
arjefm-1226	137	24	selected	select	VERB
arjefm-1226	137	25	banks	bank	NOUN
arjefm-1226	137	26	’	’	PART
arjefm-1226	137	27	financial	financial	ADJ
arjefm-1226	137	28	performance	performance	NOUN
arjefm-1226	137	29	in	in	ADP
arjefm-1226	137	30	nigeria	nigeria	PROPN
arjefm-1226	137	31	.	.	PUNCT
arjefm-1226	138	1	the	the	DET
arjefm-1226	138	2	study	study	NOUN
arjefm-1226	138	3	spanned	span	VERB
arjefm-1226	138	4	from	from	ADP
arjefm-1226	138	5	2008	2008	NUM
arjefm-1226	138	6	to	to	ADP
arjefm-1226	138	7	2017	2017	NUM
arjefm-1226	138	8	.	.	PUNCT
arjefm-1226	139	1	panel	panel	NOUN
arjefm-1226	139	2	data	datum	NOUN
arjefm-1226	139	3	analysis	analysis	NOUN
arjefm-1226	139	4	was	be	AUX
arjefm-1226	139	5	conducted	conduct	VERB
arjefm-1226	139	6	and	and	CCONJ
arjefm-1226	139	7	it	it	PRON
arjefm-1226	139	8	revealed	reveal	VERB
arjefm-1226	139	9	that	that	SCONJ
arjefm-1226	139	10	investment	investment	NOUN
arjefm-1226	139	11	in	in	ADP
arjefm-1226	139	12	bond	bond	NOUN
arjefm-1226	139	13	has	have	VERB
arjefm-1226	139	14	significant	significant	ADJ
arjefm-1226	139	15	but	but	CCONJ
arjefm-1226	139	16	negative	negative	ADJ
arjefm-1226	139	17	effect	effect	NOUN
arjefm-1226	139	18	on	on	ADP
arjefm-1226	139	19	roa	roa	PROPN
arjefm-1226	139	20	,	,	PUNCT
arjefm-1226	139	21	a	a	DET
arjefm-1226	139	22	proxy	proxy	NOUN
arjefm-1226	139	23	of	of	ADP
arjefm-1226	139	24	financial	financial	ADJ
arjefm-1226	139	25	performance	performance	NOUN
arjefm-1226	139	26	while	while	SCONJ
arjefm-1226	139	27	cash	cash	NOUN
arjefm-1226	139	28	reserve	reserve	NOUN
arjefm-1226	139	29	had	have	VERB
arjefm-1226	139	30	a	a	DET
arjefm-1226	139	31	positive	positive	ADJ
arjefm-1226	139	32	but	but	CCONJ
arjefm-1226	139	33	an	an	DET
arjefm-1226	139	34	insignificant	insignificant	ADJ
arjefm-1226	139	35	effect	effect	NOUN
arjefm-1226	139	36	on	on	ADP
arjefm-1226	139	37	financial	financial	ADJ
arjefm-1226	139	38	performance	performance	NOUN
arjefm-1226	139	39	and	and	CCONJ
arjefm-1226	139	40	treasury	treasury	NOUN
arjefm-1226	139	41	bills	bill	NOUN
arjefm-1226	139	42	has	have	VERB
arjefm-1226	139	43	a	a	DET
arjefm-1226	139	44	negative	negative	ADJ
arjefm-1226	139	45	and	and	CCONJ
arjefm-1226	139	46	an	an	DET
arjefm-1226	139	47	insignificant	insignificant	ADJ
arjefm-1226	139	48	effect	effect	NOUN
arjefm-1226	139	49	on	on	ADP
arjefm-1226	139	50	financial	financial	ADJ
arjefm-1226	139	51	performance	performance	NOUN
arjefm-1226	139	52	.	.	PUNCT
arjefm-1226	140	1	wegwu	wegwu	PROPN
arjefm-1226	140	2	(	(	PUNCT
arjefm-1226	140	3	2020	2020	NUM
arjefm-1226	140	4	)	)	PUNCT
arjefm-1226	140	5	analyzed	analyze	VERB
arjefm-1226	140	6	the	the	DET
arjefm-1226	140	7	relationship	relationship	NOUN
arjefm-1226	140	8	between	between	ADP
arjefm-1226	140	9	diversification	diversification	NOUN
arjefm-1226	140	10	strategies	strategy	NOUN
arjefm-1226	140	11	and	and	CCONJ
arjefm-1226	140	12	business	business	NOUN
arjefm-1226	140	13	performance	performance	NOUN
arjefm-1226	140	14	of	of	ADP
arjefm-1226	140	15	ten	ten	NUM
arjefm-1226	140	16	(	(	PUNCT
arjefm-1226	140	17	10	10	NUM
arjefm-1226	140	18	)	)	PUNCT
arjefm-1226	140	19	food	food	NOUN
arjefm-1226	140	20	and	and	CCONJ
arjefm-1226	140	21	beverages	beverage	NOUN
arjefm-1226	140	22	firms	firm	NOUN
arjefm-1226	140	23	in	in	ADP
arjefm-1226	140	24	rivers	river	NOUN
arjefm-1226	140	25	state	state	PROPN
arjefm-1226	140	26	,	,	PUNCT
arjefm-1226	140	27	nigeria	nigeria	PROPN
arjefm-1226	140	28	.	.	PUNCT
arjefm-1226	141	1	questionnaires	questionnaire	NOUN
arjefm-1226	141	2	were	be	AUX
arjefm-1226	141	3	administered	administer	VERB
arjefm-1226	141	4	to	to	ADP
arjefm-1226	141	5	177	177	NUM
arjefm-1226	141	6	employees	employee	NOUN
arjefm-1226	141	7	of	of	ADP
arjefm-1226	141	8	selected	select	VERB
arjefm-1226	141	9	firms	firm	NOUN
arjefm-1226	141	10	.	.	PUNCT
arjefm-1226	142	1	findings	finding	NOUN
arjefm-1226	142	2	revealed	reveal	VERB
arjefm-1226	142	3	a	a	DET
arjefm-1226	142	4	positive	positive	ADJ
arjefm-1226	142	5	and	and	CCONJ
arjefm-1226	142	6	significant	significant	ADJ
arjefm-1226	142	7	relationship	relationship	NOUN
arjefm-1226	142	8	between	between	ADP
arjefm-1226	142	9	diversification	diversification	NOUN
arjefm-1226	142	10	strategies	strategy	NOUN
arjefm-1226	142	11	and	and	CCONJ
arjefm-1226	142	12	business	business	NOUN
arjefm-1226	142	13	performance	performance	NOUN
arjefm-1226	142	14	of	of	ADP
arjefm-1226	142	15	food	food	NOUN
arjefm-1226	142	16	and	and	CCONJ
arjefm-1226	142	17	beverages	beverage	NOUN
arjefm-1226	142	18	firms	firm	NOUN
arjefm-1226	142	19	.	.	PUNCT
arjefm-1226	143	1	abuh	abuh	NOUN
arjefm-1226	143	2	and	and	CCONJ
arjefm-1226	143	3	echukwu	echukwu	VERB
arjefm-1226	143	4	(	(	PUNCT
arjefm-1226	143	5	2020	2020	NUM
arjefm-1226	143	6	)	)	PUNCT
arjefm-1226	143	7	examined	examine	VERB
arjefm-1226	143	8	the	the	DET
arjefm-1226	143	9	impact	impact	NOUN
arjefm-1226	143	10	of	of	ADP
arjefm-1226	143	11	diversification	diversification	NOUN
arjefm-1226	143	12	on	on	ADP
arjefm-1226	143	13	the	the	DET
arjefm-1226	143	14	performance	performance	NOUN
arjefm-1226	143	15	of	of	ADP
arjefm-1226	143	16	dangote	dangote	NOUN
arjefm-1226	143	17	group	group	NOUN
arjefm-1226	143	18	of	of	ADP
arjefm-1226	143	19	companies	company	NOUN
arjefm-1226	143	20	.	.	PUNCT
arjefm-1226	144	1	diversification	diversification	NOUN
arjefm-1226	144	2	was	be	AUX
arjefm-1226	144	3	measured	measure	VERB
arjefm-1226	144	4	using	use	VERB
arjefm-1226	144	5	product	product	NOUN
arjefm-1226	144	6	and	and	CCONJ
arjefm-1226	144	7	market	market	NOUN
arjefm-1226	144	8	diversifications	diversification	NOUN
arjefm-1226	144	9	.	.	PUNCT
arjefm-1226	145	1	the	the	DET
arjefm-1226	145	2	research	research	NOUN
arjefm-1226	145	3	elicited	elicit	VERB
arjefm-1226	145	4	data	datum	NOUN
arjefm-1226	145	5	from	from	ADP
arjefm-1226	145	6	primary	primary	ADJ
arjefm-1226	145	7	source	source	NOUN
arjefm-1226	145	8	while	while	SCONJ
arjefm-1226	145	9	the	the	DET
arjefm-1226	145	10	respondents	respondent	NOUN
arjefm-1226	145	11	were	be	AUX
arjefm-1226	145	12	reached	reach	VERB
arjefm-1226	145	13	using	use	VERB
arjefm-1226	145	14	questionnaire	questionnaire	NOUN
arjefm-1226	145	15	.	.	PUNCT
arjefm-1226	146	1	the	the	DET
arjefm-1226	146	2	data	datum	NOUN
arjefm-1226	146	3	were	be	AUX
arjefm-1226	146	4	analyzed	analyze	VERB
arjefm-1226	146	5	using	use	VERB
arjefm-1226	146	6	linear	linear	PROPN
arjefm-1226	146	7	regression	regression	NOUN
arjefm-1226	146	8	analysis	analysis	NOUN
arjefm-1226	146	9	.	.	PUNCT
arjefm-1226	147	1	the	the	DET
arjefm-1226	147	2	findings	finding	NOUN
arjefm-1226	147	3	revealed	reveal	VERB
arjefm-1226	147	4	that	that	SCONJ
arjefm-1226	147	5	diversification	diversification	NOUN
arjefm-1226	147	6	is	be	AUX
arjefm-1226	147	7	a	a	DET
arjefm-1226	147	8	strategy	strategy	NOUN
arjefm-1226	147	9	for	for	ADP
arjefm-1226	147	10	firms	firm	NOUN
arjefm-1226	147	11	’	'	PUNCT
arjefm-1226	147	12	survival	survival	NOUN
arjefm-1226	147	13	.	.	PUNCT
arjefm-1226	148	1	in	in	ADP
arjefm-1226	148	2	addition	addition	NOUN
arjefm-1226	148	3	,	,	PUNCT
arjefm-1226	148	4	diversification	diversification	NOUN
arjefm-1226	148	5	strategy	strategy	NOUN
arjefm-1226	148	6	increases	increase	VERB
arjefm-1226	148	7	market	market	NOUN
arjefm-1226	148	8	share	share	NOUN
arjefm-1226	148	9	of	of	ADP
arjefm-1226	148	10	the	the	DET
arjefm-1226	148	11	organization	organization	NOUN
arjefm-1226	148	12	as	as	ADV
arjefm-1226	148	13	well	well	ADV
arjefm-1226	148	14	as	as	ADP
arjefm-1226	148	15	minimizing	minimize	VERB
arjefm-1226	148	16	risk	risk	NOUN
arjefm-1226	148	17	of	of	ADP
arjefm-1226	148	18	operations	operation	NOUN
arjefm-1226	148	19	.	.	PUNCT
arjefm-1226	149	1	njuguna	njuguna	PROPN
arjefm-1226	149	2	,	,	PUNCT
arjefm-1226	149	3	et	et	PROPN
arjefm-1226	149	4	al	al	PROPN
arjefm-1226	149	5	.	.	PUNCT
arjefm-1226	150	1	(	(	PUNCT
arjefm-1226	150	2	2018	2018	NUM
arjefm-1226	150	3	)	)	PUNCT
arjefm-1226	150	4	investigated	investigate	VERB
arjefm-1226	150	5	the	the	DET
arjefm-1226	150	6	influence	influence	NOUN
arjefm-1226	150	7	of	of	ADP
arjefm-1226	150	8	product	product	NOUN
arjefm-1226	150	9	diversification	diversification	NOUN
arjefm-1226	150	10	strategy	strategy	NOUN
arjefm-1226	150	11	on	on	ADP
arjefm-1226	150	12	performance	performance	NOUN
arjefm-1226	150	13	of	of	ADP
arjefm-1226	150	14	forty	forty	NUM
arjefm-1226	150	15	-	-	PUNCT
arjefm-1226	150	16	five	five	NUM
arjefm-1226	150	17	(	(	PUNCT
arjefm-1226	150	18	45	45	NUM
arjefm-1226	150	19	)	)	PUNCT
arjefm-1226	150	20	non	non	ADJ
arjefm-1226	150	21	-	-	ADJ
arjefm-1226	150	22	financial	financial	ADJ
arjefm-1226	150	23	firms	firm	NOUN
arjefm-1226	150	24	listed	list	VERB
arjefm-1226	150	25	at	at	ADP
arjefm-1226	150	26	the	the	DET
arjefm-1226	150	27	nairobi	nairobi	PROPN
arjefm-1226	150	28	securities	securities	PROPN
arjefm-1226	150	29	exchange	exchange	PROPN
arjefm-1226	150	30	in	in	ADP
arjefm-1226	150	31	kenya	kenya	PROPN
arjefm-1226	150	32	.	.	PUNCT
arjefm-1226	151	1	descriptive	descriptive	ADJ
arjefm-1226	151	2	correlational	correlational	ADJ
arjefm-1226	151	3	survey	survey	NOUN
arjefm-1226	151	4	design	design	NOUN
arjefm-1226	151	5	was	be	AUX
arjefm-1226	151	6	employed	employ	VERB
arjefm-1226	151	7	.	.	PUNCT
arjefm-1226	152	1	both	both	DET
arjefm-1226	152	2	primary	primary	ADJ
arjefm-1226	152	3	and	and	CCONJ
arjefm-1226	152	4	secondary	secondary	ADJ
arjefm-1226	152	5	data	datum	NOUN
arjefm-1226	152	6	was	be	AUX
arjefm-1226	152	7	collected	collect	VERB
arjefm-1226	152	8	.	.	PUNCT
arjefm-1226	153	1	secondary	secondary	ADJ
arjefm-1226	153	2	data	datum	NOUN
arjefm-1226	153	3	was	be	AUX
arjefm-1226	153	4	obtained	obtain	VERB
arjefm-1226	153	5	from	from	ADP
arjefm-1226	153	6	the	the	DET
arjefm-1226	153	7	audited	audit	VERB
arjefm-1226	153	8	annual	annual	ADJ
arjefm-1226	153	9	reports	report	NOUN
arjefm-1226	153	10	of	of	ADP
arjefm-1226	153	11	these	these	DET
arjefm-1226	153	12	companies	company	NOUN
arjefm-1226	153	13	for	for	ADP
arjefm-1226	153	14	a	a	DET
arjefm-1226	153	15	period	period	NOUN
arjefm-1226	153	16	of	of	ADP
arjefm-1226	153	17	five	five	NUM
arjefm-1226	153	18	years	year	NOUN
arjefm-1226	153	19	(	(	PUNCT
arjefm-1226	153	20	2011	2011	NUM
arjefm-1226	153	21	to	to	ADP
arjefm-1226	153	22	2015	2015	NUM
arjefm-1226	153	23	)	)	PUNCT
arjefm-1226	153	24	.	.	PUNCT
arjefm-1226	154	1	the	the	DET
arjefm-1226	154	2	study	study	NOUN
arjefm-1226	154	3	established	establish	VERB
arjefm-1226	154	4	that	that	SCONJ
arjefm-1226	154	5	there	there	PRON
arjefm-1226	154	6	was	be	VERB
arjefm-1226	154	7	a	a	DET
arjefm-1226	154	8	significant	significant	ADJ
arjefm-1226	154	9	positive	positive	ADJ
arjefm-1226	154	10	relationship	relationship	NOUN
arjefm-1226	154	11	between	between	ADP
arjefm-1226	154	12	product	product	NOUN
arjefm-1226	154	13	diversification	diversification	NOUN
arjefm-1226	154	14	and	and	CCONJ
arjefm-1226	154	15	firm	firm	ADJ
arjefm-1226	154	16	performance	performance	NOUN
arjefm-1226	154	17	.	.	PUNCT
arjefm-1226	155	1	regression	regression	NOUN
arjefm-1226	155	2	analysis	analysis	NOUN
arjefm-1226	155	3	revealed	reveal	VERB
arjefm-1226	155	4	that	that	SCONJ
arjefm-1226	155	5	15.2	15.2	NUM
arjefm-1226	155	6	%	%	NOUN
arjefm-1226	155	7	of	of	ADP
arjefm-1226	155	8	changes	change	NOUN
arjefm-1226	155	9	in	in	ADP
arjefm-1226	155	10	firm	firm	ADJ
arjefm-1226	155	11	performance	performance	NOUN
arjefm-1226	155	12	were	be	AUX
arjefm-1226	155	13	attributed	attribute	VERB
arjefm-1226	155	14	to	to	ADP
arjefm-1226	155	15	use	use	NOUN
arjefm-1226	155	16	of	of	ADP
arjefm-1226	155	17	this	this	DET
arjefm-1226	155	18	strategy	strategy	NOUN
arjefm-1226	155	19	.	.	PUNCT
arjefm-1226	156	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	156	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	157	1	american	american	PROPN
arjefm-1226	157	2	research	research	PROPN
arjefm-1226	157	3	journal	journal	PROPN
arjefm-1226	157	4	of	of	ADP
arjefm-1226	157	5	economics	economic	NOUN
arjefm-1226	157	6	,	,	PUNCT
arjefm-1226	157	7	finance	finance	NOUN
arjefm-1226	157	8	and	and	CCONJ
arjefm-1226	157	9	management	management	NOUN
arjefm-1226	157	10	volume	volume	NOUN
arjefm-1226	157	11	13	13	NUM
arjefm-1226	157	12	issue	issue	NOUN
arjefm-1226	157	13	3	3	NUM
arjefm-1226	157	14	,	,	PUNCT
arjefm-1226	157	15	july	july	PROPN
arjefm-1226	157	16	-	-	PUNCT
arjefm-1226	157	17	september	september	PROPN
arjefm-1226	157	18	2025	2025	NUM
arjefm-1226	157	19	issn	issn	NOUN
arjefm-1226	157	20	:	:	PUNCT
arjefm-1226	157	21	2836	2836	NUM
arjefm-1226	157	22	-	-	SYM
arjefm-1226	157	23	9416	9416	NUM
arjefm-1226	157	24	impact	impact	NOUN
arjefm-1226	157	25	factor	factor	NOUN
arjefm-1226	157	26	:	:	PUNCT
arjefm-1226	157	27	6.41	6.41	NUM
arjefm-1226	157	28	journal	journal	NOUN
arjefm-1226	157	29	homepage	homepage	NOUN
arjefm-1226	157	30	:	:	PUNCT
arjefm-1226	157	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	157	32	email	email	NOUN
arjefm-1226	157	33	:	:	PUNCT
arjefm-1226	157	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	157	35	official	official	ADJ
arjefm-1226	157	36	journal	journal	PROPN
arjefm-1226	157	37	of	of	ADP
arjefm-1226	157	38	america	america	PROPN
arjefm-1226	157	39	serial	serial	PROPN
arjefm-1226	157	40	publication	publication	NOUN
arjefm-1226	157	41	american	american	PROPN
arjefm-1226	157	42	research	research	PROPN
arjefm-1226	157	43	journal	journal	PROPN
arjefm-1226	157	44	of	of	ADP
arjefm-1226	157	45	economics	economic	NOUN
arjefm-1226	157	46	,	,	PUNCT
arjefm-1226	157	47	finance	finance	NOUN
arjefm-1226	157	48	and	and	CCONJ
arjefm-1226	157	49	management	management	NOUN
arjefm-1226	157	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	157	51	,	,	PUNCT
arjefm-1226	157	52	email	email	NOUN
arjefm-1226	157	53	:	:	PUNCT
arjefm-1226	157	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	158	1	30	30	NUM
arjefm-1226	159	1	|	|	ADV
arjefm-1226	159	2	p	p	NOUN
arjefm-1226	159	3	a	a	DET
arjefm-1226	159	4	g	g	NOUN
arjefm-1226	159	5	e	e	PROPN
arjefm-1226	159	6	3.0	3.0	NUM
arjefm-1226	159	7	.	.	PUNCT
arjefm-1226	160	1	methodology	methodology	NOUN
arjefm-1226	160	2	this	this	DET
arjefm-1226	160	3	study	study	NOUN
arjefm-1226	160	4	adopted	adopt	VERB
arjefm-1226	160	5	the	the	DET
arjefm-1226	160	6	expost	expost	ADV
arjefm-1226	160	7	-	-	PUNCT
arjefm-1226	160	8	facto	facto	X
arjefm-1226	160	9	research	research	NOUN
arjefm-1226	160	10	design	design	NOUN
arjefm-1226	160	11	.	.	PUNCT
arjefm-1226	161	1	time	time	PROPN
arjefm-1226	161	2	series	series	PROPN
arjefm-1226	161	3	data	datum	NOUN
arjefm-1226	161	4	were	be	AUX
arjefm-1226	161	5	culled	cull	VERB
arjefm-1226	161	6	from	from	ADP
arjefm-1226	161	7	the	the	DET
arjefm-1226	161	8	central	central	ADJ
arjefm-1226	161	9	bank	bank	PROPN
arjefm-1226	161	10	of	of	ADP
arjefm-1226	161	11	nigeria	nigeria	PROPN
arjefm-1226	161	12	(	(	PUNCT
arjefm-1226	161	13	cbn	cbn	PROPN
arjefm-1226	161	14	)	)	PUNCT
arjefm-1226	161	15	statistical	statistical	ADJ
arjefm-1226	161	16	bulletin	bulletin	NOUN
arjefm-1226	161	17	(	(	PUNCT
arjefm-1226	161	18	2022	2022	NUM
arjefm-1226	161	19	)	)	PUNCT
arjefm-1226	161	20	and	and	CCONJ
arjefm-1226	161	21	nigerian	nigerian	ADJ
arjefm-1226	161	22	deposit	deposit	NOUN
arjefm-1226	161	23	insurance	insurance	NOUN
arjefm-1226	161	24	commission	commission	PROPN
arjefm-1226	161	25	(	(	PUNCT
arjefm-1226	161	26	ndic	ndic	ADJ
arjefm-1226	161	27	)	)	PUNCT
arjefm-1226	161	28	report	report	NOUN
arjefm-1226	161	29	.	.	PUNCT
arjefm-1226	162	1	the	the	DET
arjefm-1226	162	2	study	study	NOUN
arjefm-1226	162	3	adopted	adopt	VERB
arjefm-1226	162	4	the	the	DET
arjefm-1226	162	5	ordinary	ordinary	ADJ
arjefm-1226	162	6	least	least	ADJ
arjefm-1226	162	7	squares	square	NOUN
arjefm-1226	162	8	(	(	PUNCT
arjefm-1226	162	9	ols	ol	NOUN
arjefm-1226	162	10	)	)	PUNCT
arjefm-1226	162	11	regression	regression	NOUN
arjefm-1226	162	12	.	.	PUNCT
arjefm-1226	163	1	prequel	prequel	PROPN
arjefm-1226	163	2	to	to	ADP
arjefm-1226	163	3	using	use	VERB
arjefm-1226	163	4	the	the	DET
arjefm-1226	163	5	ols	ol	NOUN
arjefm-1226	163	6	to	to	PART
arjefm-1226	163	7	test	test	VERB
arjefm-1226	163	8	the	the	DET
arjefm-1226	163	9	research	research	NOUN
arjefm-1226	163	10	hypotheses	hypothesis	NOUN
arjefm-1226	163	11	formulated	formulate	VERB
arjefm-1226	163	12	earlier	early	ADV
arjefm-1226	163	13	(	(	PUNCT
arjefm-1226	163	14	in	in	ADP
arjefm-1226	163	15	section	section	NOUN
arjefm-1226	163	16	one	one	NUM
arjefm-1226	163	17	)	)	PUNCT
arjefm-1226	163	18	,	,	PUNCT
arjefm-1226	163	19	the	the	DET
arjefm-1226	163	20	model	model	NOUN
arjefm-1226	163	21	was	be	AUX
arjefm-1226	163	22	subjected	subject	VERB
arjefm-1226	163	23	to	to	ADP
arjefm-1226	163	24	various	various	ADJ
arjefm-1226	163	25	preestimation	preestimation	NOUN
arjefm-1226	163	26	tests	test	NOUN
arjefm-1226	163	27	(	(	PUNCT
arjefm-1226	163	28	such	such	ADJ
arjefm-1226	163	29	as	as	ADP
arjefm-1226	163	30	descriptive	descriptive	ADJ
arjefm-1226	163	31	statistics	statistic	NOUN
arjefm-1226	163	32	,	,	PUNCT
arjefm-1226	163	33	correlation	correlation	NOUN
arjefm-1226	163	34	analysis	analysis	NOUN
arjefm-1226	163	35	,	,	PUNCT
arjefm-1226	163	36	and	and	CCONJ
arjefm-1226	163	37	normality	normality	NOUN
arjefm-1226	163	38	test	test	NOUN
arjefm-1226	163	39	)	)	PUNCT
arjefm-1226	163	40	and	and	CCONJ
arjefm-1226	163	41	other	other	ADJ
arjefm-1226	163	42	diagnostic	diagnostic	ADJ
arjefm-1226	163	43	tests	test	NOUN
arjefm-1226	163	44	.	.	PUNCT
arjefm-1226	164	1	this	this	PRON
arjefm-1226	164	2	is	be	AUX
arjefm-1226	164	3	with	with	ADP
arjefm-1226	164	4	a	a	DET
arjefm-1226	164	5	view	view	NOUN
arjefm-1226	164	6	to	to	PART
arjefm-1226	164	7	ensure	ensure	VERB
arjefm-1226	164	8	that	that	SCONJ
arjefm-1226	164	9	the	the	DET
arjefm-1226	164	10	model	model	NOUN
arjefm-1226	164	11	is	be	AUX
arjefm-1226	164	12	suitable	suitable	ADJ
arjefm-1226	164	13	for	for	ADP
arjefm-1226	164	14	policy	policy	NOUN
arjefm-1226	164	15	formulation	formulation	NOUN
arjefm-1226	164	16	.	.	PUNCT
arjefm-1226	165	1	the	the	DET
arjefm-1226	165	2	modified	modified	ADJ
arjefm-1226	165	3	model	model	NOUN
arjefm-1226	165	4	of	of	ADP
arjefm-1226	165	5	obaro	obaro	NOUN
arjefm-1226	165	6	,	,	PUNCT
arjefm-1226	165	7	et	et	PROPN
arjefm-1226	165	8	al	al	PROPN
arjefm-1226	165	9	.	.	PROPN
arjefm-1226	165	10	(	(	PUNCT
arjefm-1226	165	11	2022	2022	NUM
arjefm-1226	165	12	)	)	PUNCT
arjefm-1226	165	13	was	be	AUX
arjefm-1226	165	14	adopted	adopt	VERB
arjefm-1226	165	15	for	for	ADP
arjefm-1226	165	16	the	the	DET
arjefm-1226	165	17	study	study	NOUN
arjefm-1226	165	18	and	and	CCONJ
arjefm-1226	165	19	stated	state	VERB
arjefm-1226	165	20	as	as	ADP
arjefm-1226	165	21	:	:	PUNCT
arjefm-1226	165	22	opef=	opef=	NUM
arjefm-1226	165	23	𝛽0	𝛽0	ADJ
arjefm-1226	165	24	+	+	CCONJ
arjefm-1226	165	25	𝛽1astd	𝛽1astd	NOUN
arjefm-1226	165	26	+	+	CCONJ
arjefm-1226	165	27	𝛽2	𝛽2	PROPN
arjefm-1226	165	28	depd	depd	NOUN
arjefm-1226	165	29	+	+	CCONJ
arjefm-1226	165	30	𝛽3	𝛽3	NOUN
arjefm-1226	165	31	invd	invd	VERB
arjefm-1226	165	32	+	+	CCONJ
arjefm-1226	165	33	𝛽4prod	𝛽4prod	PROPN
arjefm-1226	165	34	+	+	CCONJ
arjefm-1226	165	35	ut	ut	PROPN
arjefm-1226	165	36	…	…	PUNCT
arjefm-1226	165	37	…	…	PUNCT
arjefm-1226	165	38	…	…	PUNCT
arjefm-1226	165	39	…	…	PUNCT
arjefm-1226	165	40	…	…	PUNCT
arjefm-1226	165	41	…	…	SYM
arjefm-1226	165	42	…	…	SYM
arjefm-1226	165	43	1	1	NUM
arjefm-1226	165	44	table	table	NOUN
arjefm-1226	165	45	1	1	NUM
arjefm-1226	165	46	:	:	PUNCT
arjefm-1226	165	47	operationalization	operationalization	NOUN
arjefm-1226	165	48	of	of	ADP
arjefm-1226	165	49	research	research	NOUN
arjefm-1226	165	50	variables	variable	VERB
arjefm-1226	165	51	variable	variable	ADJ
arjefm-1226	165	52	proxies	proxy	NOUN
arjefm-1226	165	53	measurement	measurement	NOUN
arjefm-1226	165	54	reference	reference	NOUN
arjefm-1226	165	55	expected	expect	VERB
arjefm-1226	165	56	sign	sign	VERB
arjefm-1226	165	57	dependent	dependent	ADJ
arjefm-1226	165	58	variable	variable	NOUN
arjefm-1226	165	59	:	:	PUNCT
arjefm-1226	165	60	operational	operational	ADJ
arjefm-1226	165	61	resilience	resilience	NOUN
arjefm-1226	165	62	operational	operational	ADJ
arjefm-1226	165	63	efficiency	efficiency	NOUN
arjefm-1226	165	64	(	(	PUNCT
arjefm-1226	165	65	opef	opef	NOUN
arjefm-1226	165	66	)	)	PUNCT
arjefm-1226	165	67	𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔	𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔	PROPN
arjefm-1226	165	68	𝐼𝑛𝑐𝑜𝑚𝑒	𝐼𝑛𝑐𝑜𝑚𝑒	PROPN
arjefm-1226	165	69	𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔	𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔	PROPN
arjefm-1226	165	70	𝐸𝑥𝑝𝑝𝑒𝑛𝑠𝑒	𝐸𝑥𝑝𝑝𝑒𝑛𝑠𝑒	PROPN
arjefm-1226	165	71	eyamu	eyamu	NOUN
arjefm-1226	165	72	,	,	PUNCT
arjefm-1226	165	73	and	and	CCONJ
arjefm-1226	165	74	onuorah	onuorah	PROPN
arjefm-1226	165	75	,	,	PUNCT
arjefm-1226	165	76	(	(	PUNCT
arjefm-1226	165	77	2024	2024	NUM
arjefm-1226	165	78	)	)	PUNCT
arjefm-1226	165	79	.	.	PUNCT
arjefm-1226	166	1	nil	nil	ADJ
arjefm-1226	166	2	independe	independe	NOUN
arjefm-1226	166	3	nt	nt	ADP
arjefm-1226	166	4	variables	variable	NOUN
arjefm-1226	166	5	:	:	PUNCT
arjefm-1226	166	6	portfolio	portfolio	NOUN
arjefm-1226	166	7	diversificatio	diversificatio	PROPN
arjefm-1226	166	8	n	n	PROPN
arjefm-1226	166	9	strategy	strategy	NOUN
arjefm-1226	166	10	asset	asset	NOUN
arjefm-1226	166	11	diversification	diversification	NOUN
arjefm-1226	166	12	(	(	PUNCT
arjefm-1226	166	13	astd	astd	PROPN
arjefm-1226	166	14	)	)	PUNCT
arjefm-1226	166	15	1	1	NUM
arjefm-1226	167	1	[	[	X
arjefm-1226	167	2	[	[	PUNCT
arjefm-1226	167	3	net	net	ADJ
arjefm-1226	167	4	loans	loan	NOUN
arjefm-1226	167	5	/	/	SYM
arjefm-1226	167	6	total	total	ADJ
arjefm-1226	167	7	earning	earn	VERB
arjefm-1226	167	8	assets	asset	NOUN
arjefm-1226	167	9	]	]	PUNCT
arjefm-1226	167	10	2	2	X
arjefm-1226	167	11	+	+	CCONJ
arjefm-1226	167	12	[	[	PUNCT
arjefm-1226	167	13	other	other	ADJ
arjefm-1226	167	14	earning	earn	VERB
arjefm-1226	167	15	+	+	NOUN
arjefm-1226	167	16	assets	asset	NOUN
arjefm-1226	167	17	/	/	SYM
arjefm-1226	167	18	total	total	ADJ
arjefm-1226	167	19	earning	earning	NOUN
arjefm-1226	167	20	assets]2	assets]2	NOUN
arjefm-1226	167	21	]	]	PUNCT
arjefm-1226	167	22	kamagoba	kamagoba	PROPN
arjefm-1226	167	23	,	,	PUNCT
arjefm-1226	167	24	and	and	CCONJ
arjefm-1226	167	25	irechukwu	irechukwu	PROPN
arjefm-1226	167	26	(	(	PUNCT
arjefm-1226	167	27	2023	2023	NUM
arjefm-1226	167	28	)	)	PUNCT
arjefm-1226	167	29	.	.	PUNCT
arjefm-1226	168	1	positive	positive	ADJ
arjefm-1226	168	2	deposit	deposit	NOUN
arjefm-1226	168	3	diversification	diversification	NOUN
arjefm-1226	168	4	(	(	PUNCT
arjefm-1226	168	5	depd	depd	NOUN
arjefm-1226	168	6	)	)	PUNCT
arjefm-1226	168	7	(	(	PUNCT
arjefm-1226	168	8	demand/∑deposits)2	demand/∑deposits)2	VERB
arjefm-1226	168	9	+	+	PROPN
arjefm-1226	168	10	(	(	PUNCT
arjefm-1226	168	11	savings/∑deposits)2	savings/∑deposits)2	ADV
arjefm-1226	168	12	+	+	CCONJ
arjefm-1226	168	13	(	(	PUNCT
arjefm-1226	168	14	time/∑deposits)2	time/∑deposits)2	ADV
arjefm-1226	168	15	+	+	CCONJ
arjefm-1226	168	16	(	(	PUNCT
arjefm-1226	168	17	cds/∑deposits)2	cds/∑deposits)2	ADV
arjefm-1226	168	18	+	+	CCONJ
arjefm-1226	168	19	(	(	PUNCT
arjefm-1226	168	20	banks/∑deposits)2	banks/∑deposits)2	NOUN
arjefm-1226	168	21	onuorah	onuorah	PROPN
arjefm-1226	168	22	,	,	PUNCT
arjefm-1226	168	23	(	(	PUNCT
arjefm-1226	168	24	2021	2021	NUM
arjefm-1226	168	25	)	)	PUNCT
arjefm-1226	168	26	.	.	PUNCT
arjefm-1226	169	1	positive	positive	ADJ
arjefm-1226	169	2	investment	investment	NOUN
arjefm-1226	169	3	diversification	diversification	NOUN
arjefm-1226	169	4	(	(	PUNCT
arjefm-1226	169	5	invd	invd	NOUN
arjefm-1226	169	6	)	)	PUNCT
arjefm-1226	169	7	δp	δp	PRON
arjefm-1226	169	8	2	2	NUM
arjefm-1226	169	9	=	=	SYM
arjefm-1226	169	10	c1	c1	NOUN
arjefm-1226	169	11	2	2	NUM
arjefm-1226	169	12	δ1	δ1	NOUN
arjefm-1226	169	13	2	2	NUM
arjefm-1226	169	14	+	+	CCONJ
arjefm-1226	169	15	c2	c2	PROPN
arjefm-1226	169	16	2	2	NUM
arjefm-1226	169	17	δ2	δ2	VERB
arjefm-1226	169	18	2	2	NUM
arjefm-1226	169	19	+	+	NUM
arjefm-1226	169	20	2c1c2δ1δ2	2c1c2δ1δ2	NUM
arjefm-1226	169	21	ρ	ρ	NOUN
arjefm-1226	169	22	where	where	SCONJ
arjefm-1226	169	23	;	;	PUNCT
arjefm-1226	169	24	δ1	δ1	NOUN
arjefm-1226	169	25	and	and	CCONJ
arjefm-1226	169	26	δ2	δ2	PROPN
arjefm-1226	169	27	are	be	AUX
arjefm-1226	169	28	standard	standard	ADJ
arjefm-1226	169	29	deviations	deviation	NOUN
arjefm-1226	169	30	of	of	ADP
arjefm-1226	169	31	the	the	DET
arjefm-1226	169	32	two	two	NUM
arjefm-1226	169	33	underlying	underlie	VERB
arjefm-1226	169	34	assets	asset	NOUN
arjefm-1226	169	35	,	,	PUNCT
arjefm-1226	169	36	obaro	obaro	NOUN
arjefm-1226	169	37	,	,	PUNCT
arjefm-1226	169	38	et	et	NOUN
arjefm-1226	169	39	.	.	PUNCT
arjefm-1226	170	1	al	al	PROPN
arjefm-1226	170	2	.	.	PROPN
arjefm-1226	171	1	(	(	PUNCT
arjefm-1226	171	2	2022	2022	NUM
arjefm-1226	171	3	)	)	PUNCT
arjefm-1226	171	4	.	.	PUNCT
arjefm-1226	172	1	negative	negative	ADJ
arjefm-1226	172	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	172	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	172	4	american	american	PROPN
arjefm-1226	172	5	research	research	PROPN
arjefm-1226	172	6	journal	journal	PROPN
arjefm-1226	172	7	of	of	ADP
arjefm-1226	172	8	economics	economic	NOUN
arjefm-1226	172	9	,	,	PUNCT
arjefm-1226	172	10	finance	finance	NOUN
arjefm-1226	172	11	and	and	CCONJ
arjefm-1226	172	12	management	management	NOUN
arjefm-1226	172	13	volume	volume	NOUN
arjefm-1226	172	14	13	13	NUM
arjefm-1226	172	15	issue	issue	NOUN
arjefm-1226	172	16	3	3	NUM
arjefm-1226	172	17	,	,	PUNCT
arjefm-1226	172	18	july	july	PROPN
arjefm-1226	172	19	-	-	PUNCT
arjefm-1226	172	20	september	september	PROPN
arjefm-1226	172	21	2025	2025	NUM
arjefm-1226	172	22	issn	issn	NOUN
arjefm-1226	172	23	:	:	PUNCT
arjefm-1226	172	24	2836	2836	NUM
arjefm-1226	172	25	-	-	SYM
arjefm-1226	172	26	9416	9416	NUM
arjefm-1226	172	27	impact	impact	NOUN
arjefm-1226	172	28	factor	factor	NOUN
arjefm-1226	172	29	:	:	PUNCT
arjefm-1226	172	30	6.41	6.41	NUM
arjefm-1226	172	31	journal	journal	NOUN
arjefm-1226	172	32	homepage	homepage	NOUN
arjefm-1226	172	33	:	:	PUNCT
arjefm-1226	172	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	172	35	email	email	NOUN
arjefm-1226	172	36	:	:	PUNCT
arjefm-1226	172	37	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	172	38	official	official	ADJ
arjefm-1226	172	39	journal	journal	PROPN
arjefm-1226	172	40	of	of	ADP
arjefm-1226	172	41	america	america	PROPN
arjefm-1226	172	42	serial	serial	PROPN
arjefm-1226	172	43	publication	publication	NOUN
arjefm-1226	172	44	american	american	PROPN
arjefm-1226	172	45	research	research	PROPN
arjefm-1226	172	46	journal	journal	PROPN
arjefm-1226	172	47	of	of	ADP
arjefm-1226	172	48	economics	economic	NOUN
arjefm-1226	172	49	,	,	PUNCT
arjefm-1226	172	50	finance	finance	NOUN
arjefm-1226	172	51	and	and	CCONJ
arjefm-1226	172	52	management	management	NOUN
arjefm-1226	172	53	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	172	54	,	,	PUNCT
arjefm-1226	172	55	email	email	NOUN
arjefm-1226	172	56	:	:	PUNCT
arjefm-1226	172	57	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	173	1	31	31	NUM
arjefm-1226	174	1	|	|	ADV
arjefm-1226	174	2	p	p	X
arjefm-1226	174	3	a	a	DET
arjefm-1226	174	4	g	g	PROPN
arjefm-1226	174	5	e	e	PROPN
arjefm-1226	174	6	c1	c1	PROPN
arjefm-1226	174	7	and	and	CCONJ
arjefm-1226	174	8	c2	c2	PROPN
arjefm-1226	174	9	,	,	PUNCT
arjefm-1226	174	10	ρ	ρ	PROPN
arjefm-1226	174	11	is	be	AUX
arjefm-1226	174	12	correlation	correlation	NOUN
arjefm-1226	174	13	between	between	ADP
arjefm-1226	174	14	the	the	DET
arjefm-1226	174	15	assets	asset	NOUN
arjefm-1226	174	16	,	,	PUNCT
arjefm-1226	174	17	c1	c1	PROPN
arjefm-1226	174	18	and	and	CCONJ
arjefm-1226	174	19	c2	c2	PROPN
arjefm-1226	174	20	are	be	AUX
arjefm-1226	174	21	the	the	DET
arjefm-1226	174	22	respective	respective	ADJ
arjefm-1226	174	23	proportions	proportion	NOUN
arjefm-1226	174	24	of	of	ADP
arjefm-1226	174	25	the	the	DET
arjefm-1226	174	26	two	two	NUM
arjefm-1226	174	27	assets	asset	NOUN
arjefm-1226	174	28	in	in	ADP
arjefm-1226	174	29	the	the	DET
arjefm-1226	174	30	portfolio	portfolio	NOUN
arjefm-1226	174	31	.	.	PUNCT
arjefm-1226	175	1	product	product	NOUN
arjefm-1226	175	2	diversification	diversification	NOUN
arjefm-1226	175	3	(	(	PUNCT
arjefm-1226	175	4	prod	prod	NOUN
arjefm-1226	175	5	)	)	PUNCT
arjefm-1226	175	6	average	average	ADJ
arjefm-1226	175	7	measurement	measurement	NOUN
arjefm-1226	175	8	of	of	ADP
arjefm-1226	175	9	the	the	DET
arjefm-1226	175	10	product	product	NOUN
arjefm-1226	175	11	mix	mix	NOUN
arjefm-1226	175	12	offered	offer	VERB
arjefm-1226	175	13	by	by	ADP
arjefm-1226	175	14	sampled	sample	VERB
arjefm-1226	175	15	banks	bank	NOUN
arjefm-1226	175	16	obaro	obaro	NOUN
arjefm-1226	175	17	,	,	PUNCT
arjefm-1226	175	18	et	et	NOUN
arjefm-1226	175	19	.	.	PUNCT
arjefm-1226	176	1	al	al	PROPN
arjefm-1226	176	2	.	.	PROPN
arjefm-1226	177	1	(	(	PUNCT
arjefm-1226	177	2	2022	2022	NUM
arjefm-1226	177	3	)	)	PUNCT
arjefm-1226	177	4	.	.	PUNCT
arjefm-1226	178	1	positive	positive	ADJ
arjefm-1226	178	2	source	source	NOUN
arjefm-1226	178	3	:	:	PUNCT
arjefm-1226	178	4	author	author	NOUN
arjefm-1226	178	5	’s	’s	PART
arjefm-1226	178	6	compilation	compilation	NOUN
arjefm-1226	178	7	(	(	PUNCT
arjefm-1226	178	8	2025	2025	NUM
arjefm-1226	178	9	)	)	PUNCT
arjefm-1226	178	10	4.0	4.0	NUM
arjefm-1226	178	11	result	result	NOUN
arjefm-1226	178	12	and	and	CCONJ
arjefm-1226	178	13	discusisons	discusison	NOUN
arjefm-1226	178	14	table	table	NOUN
arjefm-1226	178	15	2	2	NUM
arjefm-1226	178	16	:	:	PUNCT
arjefm-1226	178	17	descriptive	descriptive	ADJ
arjefm-1226	178	18	statistics	statistic	NOUN
arjefm-1226	178	19	oper	oper	PROPN
arjefm-1226	178	20	astd	astd	PROPN
arjefm-1226	178	21	depd	depd	PROPN
arjefm-1226	178	22	invd	invd	ADJ
arjefm-1226	178	23	prod	prod	NOUN
arjefm-1226	178	24	mean	mean	VERB
arjefm-1226	178	25	54.77333	54.77333	NUM
arjefm-1226	179	1	0.039653	0.039653	NUM
arjefm-1226	179	2	0.381227	0.381227	NUM
arjefm-1226	179	3	0.542553	0.542553	NUM
arjefm-1226	179	4	0.836467	0.836467	NUM
arjefm-1226	179	5	maximum	maximum	NOUN
arjefm-1226	179	6	66.87000	66.87000	NUM
arjefm-1226	179	7	0.310900	0.310900	NUM
arjefm-1226	179	8	0.570900	0.570900	NUM
arjefm-1226	179	9	0.861300	0.861300	NUM
arjefm-1226	179	10	0.993300	0.993300	NUM
arjefm-1226	179	11	minimum	minimum	NOUN
arjefm-1226	179	12	18.46000	18.46000	NUM
arjefm-1226	179	13	0.001700	0.001700	NUM
arjefm-1226	179	14	0.335500	0.335500	NUM
arjefm-1226	179	15	0.500000	0.500000	NUM
arjefm-1226	179	16	0.506700	0.506700	NUM
arjefm-1226	179	17	std	std	NOUN
arjefm-1226	179	18	.	.	PUNCT
arjefm-1226	180	1	dev	dev	PROPN
arjefm-1226	180	2	.	.	PROPN
arjefm-1226	180	3	15.00622	15.00622	NUM
arjefm-1226	180	4	0.076198	0.076198	NUM
arjefm-1226	180	5	0.071490	0.071490	NUM
arjefm-1226	180	6	0.096727	0.096727	NUM
arjefm-1226	180	7	0.201984	0.201984	NUM
arjefm-1226	180	8	observations	observation	NOUN
arjefm-1226	180	9	15	15	NUM
arjefm-1226	180	10	15	15	NUM
arjefm-1226	180	11	15	15	NUM
arjefm-1226	180	12	15	15	NUM
arjefm-1226	180	13	15	15	NUM
arjefm-1226	180	14	source	source	NOUN
arjefm-1226	180	15	:	:	PUNCT
arjefm-1226	180	16	author	author	NOUN
arjefm-1226	180	17	’s	’s	PART
arjefm-1226	180	18	compilation	compilation	NOUN
arjefm-1226	180	19	(	(	PUNCT
arjefm-1226	180	20	2025	2025	NUM
arjefm-1226	180	21	)	)	PUNCT
arjefm-1226	180	22	the	the	DET
arjefm-1226	180	23	descriptive	descriptive	ADJ
arjefm-1226	180	24	statistics	statistic	NOUN
arjefm-1226	180	25	for	for	ADP
arjefm-1226	180	26	nigerian	nigerian	ADJ
arjefm-1226	180	27	banks	bank	NOUN
arjefm-1226	180	28	'	'	PART
arjefm-1226	180	29	operational	operational	ADJ
arjefm-1226	180	30	resilience	resilience	NOUN
arjefm-1226	180	31	(	(	PUNCT
arjefm-1226	180	32	oper	oper	NOUN
arjefm-1226	180	33	)	)	PUNCT
arjefm-1226	180	34	reveal	reveal	VERB
arjefm-1226	180	35	an	an	DET
arjefm-1226	180	36	average	average	ADJ
arjefm-1226	180	37	value	value	NOUN
arjefm-1226	180	38	of	of	ADP
arjefm-1226	180	39	54.77	54.77	NUM
arjefm-1226	180	40	and	and	CCONJ
arjefm-1226	180	41	standard	standard	ADJ
arjefm-1226	180	42	deviation	deviation	NOUN
arjefm-1226	180	43	of	of	ADP
arjefm-1226	180	44	15.01	15.01	NUM
arjefm-1226	180	45	,	,	PUNCT
arjefm-1226	180	46	suggesting	suggest	VERB
arjefm-1226	180	47	a	a	DET
arjefm-1226	180	48	moderate	moderate	ADJ
arjefm-1226	180	49	variation	variation	NOUN
arjefm-1226	180	50	.	.	PUNCT
arjefm-1226	181	1	the	the	DET
arjefm-1226	181	2	maximum	maximum	ADJ
arjefm-1226	181	3	value	value	NOUN
arjefm-1226	181	4	of	of	ADP
arjefm-1226	181	5	66.87	66.87	NUM
arjefm-1226	181	6	reflects	reflect	VERB
arjefm-1226	181	7	periods	period	NOUN
arjefm-1226	181	8	of	of	ADP
arjefm-1226	181	9	stability	stability	NOUN
arjefm-1226	181	10	and	and	CCONJ
arjefm-1226	181	11	regulatory	regulatory	ADJ
arjefm-1226	181	12	improvements	improvement	NOUN
arjefm-1226	181	13	,	,	PUNCT
arjefm-1226	181	14	while	while	SCONJ
arjefm-1226	181	15	the	the	DET
arjefm-1226	181	16	minimum	minimum	ADJ
arjefm-1226	181	17	value	value	NOUN
arjefm-1226	181	18	of	of	ADP
arjefm-1226	181	19	18.46	18.46	NUM
arjefm-1226	181	20	highlights	highlight	NOUN
arjefm-1226	181	21	the	the	DET
arjefm-1226	181	22	adverse	adverse	ADJ
arjefm-1226	181	23	effects	effect	NOUN
arjefm-1226	181	24	of	of	ADP
arjefm-1226	181	25	the	the	DET
arjefm-1226	181	26	2008–2009	2008–2009	NUM
arjefm-1226	181	27	global	global	ADJ
arjefm-1226	181	28	financial	financial	ADJ
arjefm-1226	181	29	crisis	crisis	NOUN
arjefm-1226	181	30	.	.	PUNCT
arjefm-1226	182	1	the	the	DET
arjefm-1226	182	2	standard	standard	ADJ
arjefm-1226	182	3	deviation	deviation	NOUN
arjefm-1226	182	4	of	of	ADP
arjefm-1226	182	5	15.01	15.01	NUM
arjefm-1226	182	6	indicates	indicate	VERB
arjefm-1226	182	7	moderate	moderate	ADJ
arjefm-1226	182	8	variability	variability	NOUN
arjefm-1226	182	9	.	.	PUNCT
arjefm-1226	183	1	astd	astd	PROPN
arjefm-1226	183	2	has	have	VERB
arjefm-1226	183	3	a	a	DET
arjefm-1226	183	4	low	low	ADJ
arjefm-1226	183	5	mean	mean	NOUN
arjefm-1226	183	6	of	of	ADP
arjefm-1226	183	7	0.0397	0.0397	NUM
arjefm-1226	183	8	,	,	PUNCT
arjefm-1226	183	9	reflecting	reflect	VERB
arjefm-1226	183	10	limited	limited	ADJ
arjefm-1226	183	11	diversification	diversification	NOUN
arjefm-1226	183	12	efforts	effort	NOUN
arjefm-1226	183	13	for	for	ADP
arjefm-1226	183	14	much	much	ADJ
arjefm-1226	183	15	of	of	ADP
arjefm-1226	183	16	the	the	DET
arjefm-1226	183	17	period	period	NOUN
arjefm-1226	183	18	.	.	PUNCT
arjefm-1226	184	1	the	the	DET
arjefm-1226	184	2	maximum	maximum	ADJ
arjefm-1226	184	3	value	value	NOUN
arjefm-1226	184	4	of	of	ADP
arjefm-1226	184	5	0.3109	0.3109	NUM
arjefm-1226	184	6	in	in	ADP
arjefm-1226	184	7	2022	2022	NUM
arjefm-1226	184	8	indicates	indicate	VERB
arjefm-1226	184	9	recent	recent	ADJ
arjefm-1226	184	10	improvements	improvement	NOUN
arjefm-1226	184	11	,	,	PUNCT
arjefm-1226	184	12	while	while	SCONJ
arjefm-1226	184	13	the	the	DET
arjefm-1226	184	14	minimum	minimum	NOUN
arjefm-1226	184	15	of	of	ADP
arjefm-1226	184	16	0.0017	0.0017	NUM
arjefm-1226	184	17	underscores	underscore	VERB
arjefm-1226	184	18	earlier	early	ADJ
arjefm-1226	184	19	concentration	concentration	NOUN
arjefm-1226	184	20	in	in	ADP
arjefm-1226	184	21	asset	asset	NOUN
arjefm-1226	184	22	classes	class	NOUN
arjefm-1226	184	23	.	.	PUNCT
arjefm-1226	185	1	a	a	DET
arjefm-1226	185	2	high	high	ADJ
arjefm-1226	185	3	standard	standard	ADJ
arjefm-1226	185	4	deviation	deviation	NOUN
arjefm-1226	185	5	of	of	ADP
arjefm-1226	185	6	0.0762	0.0762	NUM
arjefm-1226	185	7	points	point	NOUN
arjefm-1226	185	8	to	to	ADP
arjefm-1226	185	9	significant	significant	ADJ
arjefm-1226	185	10	variability	variability	NOUN
arjefm-1226	185	11	.	.	PUNCT
arjefm-1226	186	1	depd	depd	NOUN
arjefm-1226	186	2	shows	show	VERB
arjefm-1226	186	3	a	a	DET
arjefm-1226	186	4	mean	mean	NOUN
arjefm-1226	186	5	of	of	ADP
arjefm-1226	186	6	0.3812	0.3812	NUM
arjefm-1226	186	7	,	,	PUNCT
arjefm-1226	186	8	reflecting	reflect	VERB
arjefm-1226	186	9	relative	relative	ADJ
arjefm-1226	186	10	consistency	consistency	NOUN
arjefm-1226	186	11	in	in	ADP
arjefm-1226	186	12	banks	bank	NOUN
arjefm-1226	186	13	'	'	PART
arjefm-1226	186	14	deposit	deposit	NOUN
arjefm-1226	186	15	mobilization	mobilization	NOUN
arjefm-1226	186	16	strategies	strategy	NOUN
arjefm-1226	186	17	.	.	PUNCT
arjefm-1226	187	1	the	the	DET
arjefm-1226	187	2	maximum	maximum	ADJ
arjefm-1226	187	3	value	value	NOUN
arjefm-1226	187	4	of	of	ADP
arjefm-1226	187	5	0.5709	0.5709	NUM
arjefm-1226	187	6	in	in	ADP
arjefm-1226	187	7	2010	2010	NUM
arjefm-1226	187	8	corresponds	correspond	NOUN
arjefm-1226	187	9	to	to	ADP
arjefm-1226	187	10	aggressive	aggressive	ADJ
arjefm-1226	187	11	efforts	effort	NOUN
arjefm-1226	187	12	during	during	ADP
arjefm-1226	187	13	the	the	DET
arjefm-1226	187	14	financial	financial	ADJ
arjefm-1226	187	15	crisis	crisis	NOUN
arjefm-1226	187	16	,	,	PUNCT
arjefm-1226	187	17	while	while	SCONJ
arjefm-1226	187	18	the	the	DET
arjefm-1226	187	19	minimum	minimum	ADJ
arjefm-1226	187	20	value	value	NOUN
arjefm-1226	187	21	of	of	ADP
arjefm-1226	187	22	0.3355	0.3355	NUM
arjefm-1226	187	23	occurred	occur	VERB
arjefm-1226	187	24	more	more	ADV
arjefm-1226	187	25	recently	recently	ADV
arjefm-1226	187	26	.	.	PUNCT
arjefm-1226	188	1	the	the	DET
arjefm-1226	188	2	standard	standard	ADJ
arjefm-1226	188	3	deviation	deviation	NOUN
arjefm-1226	188	4	of	of	ADP
arjefm-1226	188	5	0.0715	0.0715	NUM
arjefm-1226	188	6	indicates	indicate	VERB
arjefm-1226	188	7	moderate	moderate	ADJ
arjefm-1226	188	8	variability	variability	NOUN
arjefm-1226	188	9	.	.	PUNCT
arjefm-1226	189	1	invd	invd	PROPN
arjefm-1226	189	2	has	have	VERB
arjefm-1226	189	3	a	a	DET
arjefm-1226	189	4	mean	mean	ADJ
arjefm-1226	189	5	value	value	NOUN
arjefm-1226	189	6	of	of	ADP
arjefm-1226	189	7	0.5426	0.5426	NUM
arjefm-1226	189	8	,	,	PUNCT
arjefm-1226	189	9	showing	show	VERB
arjefm-1226	189	10	stability	stability	NOUN
arjefm-1226	189	11	in	in	ADP
arjefm-1226	189	12	investment	investment	NOUN
arjefm-1226	189	13	strategies	strategy	NOUN
arjefm-1226	189	14	.	.	PUNCT
arjefm-1226	190	1	the	the	DET
arjefm-1226	190	2	maximum	maximum	ADJ
arjefm-1226	190	3	value	value	NOUN
arjefm-1226	190	4	of	of	ADP
arjefm-1226	190	5	0.8613	0.8613	NUM
arjefm-1226	190	6	in	in	ADP
arjefm-1226	190	7	2008	2008	NUM
arjefm-1226	190	8	reflects	reflect	VERB
arjefm-1226	190	9	higher	high	ADJ
arjefm-1226	190	10	risk	risk	NOUN
arjefm-1226	190	11	-	-	PUNCT
arjefm-1226	190	12	taking	taking	NOUN
arjefm-1226	190	13	,	,	PUNCT
arjefm-1226	190	14	while	while	SCONJ
arjefm-1226	190	15	the	the	DET
arjefm-1226	190	16	minimum	minimum	ADJ
arjefm-1226	190	17	value	value	NOUN
arjefm-1226	190	18	of	of	ADP
arjefm-1226	190	19	0.5000	0.5000	NUM
arjefm-1226	190	20	signifies	signifie	NOUN
arjefm-1226	190	21	a	a	DET
arjefm-1226	190	22	shift	shift	NOUN
arjefm-1226	190	23	to	to	ADP
arjefm-1226	190	24	safer	safe	ADJ
arjefm-1226	190	25	investments	investment	NOUN
arjefm-1226	190	26	.	.	PUNCT
arjefm-1226	191	1	a	a	DET
arjefm-1226	191	2	standard	standard	ADJ
arjefm-1226	191	3	deviation	deviation	NOUN
arjefm-1226	191	4	of	of	ADP
arjefm-1226	191	5	0.0967	0.0967	PRON
arjefm-1226	191	6	indicates	indicate	VERB
arjefm-1226	191	7	moderate	moderate	ADJ
arjefm-1226	191	8	variation	variation	NOUN
arjefm-1226	191	9	.	.	PUNCT
arjefm-1226	192	1	prod	prod	PROPN
arjefm-1226	192	2	stands	stand	VERB
arjefm-1226	192	3	out	out	ADP
arjefm-1226	192	4	with	with	ADP
arjefm-1226	192	5	the	the	DET
arjefm-1226	192	6	highest	high	ADJ
arjefm-1226	192	7	mean	mean	ADJ
arjefm-1226	192	8	value	value	NOUN
arjefm-1226	192	9	of	of	ADP
arjefm-1226	192	10	0.8365	0.8365	NUM
arjefm-1226	192	11	,	,	PUNCT
arjefm-1226	192	12	reflecting	reflect	VERB
arjefm-1226	192	13	consistent	consistent	ADJ
arjefm-1226	192	14	efforts	effort	NOUN
arjefm-1226	192	15	by	by	ADP
arjefm-1226	192	16	nigerian	nigerian	ADJ
arjefm-1226	192	17	banks	bank	NOUN
arjefm-1226	192	18	to	to	PART
arjefm-1226	192	19	diversify	diversify	VERB
arjefm-1226	192	20	their	their	PRON
arjefm-1226	192	21	product	product	NOUN
arjefm-1226	192	22	offerings	offering	NOUN
arjefm-1226	192	23	.	.	PUNCT
arjefm-1226	193	1	the	the	DET
arjefm-1226	193	2	maximum	maximum	ADJ
arjefm-1226	193	3	value	value	NOUN
arjefm-1226	193	4	of	of	ADP
arjefm-1226	193	5	0.9933	0.9933	NUM
arjefm-1226	193	6	in	in	ADP
arjefm-1226	193	7	2017	2017	NUM
arjefm-1226	193	8	and	and	CCONJ
arjefm-1226	193	9	2018	2018	NUM
arjefm-1226	193	10	marks	mark	NOUN
arjefm-1226	193	11	peak	peak	VERB
arjefm-1226	193	12	diversification	diversification	NOUN
arjefm-1226	193	13	,	,	PUNCT
arjefm-1226	193	14	while	while	SCONJ
arjefm-1226	193	15	the	the	DET
arjefm-1226	193	16	minimum	minimum	ADJ
arjefm-1226	193	17	value	value	NOUN
arjefm-1226	193	18	of	of	ADP
arjefm-1226	193	19	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	193	20	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	193	21	american	american	PROPN
arjefm-1226	193	22	research	research	PROPN
arjefm-1226	193	23	journal	journal	PROPN
arjefm-1226	193	24	of	of	ADP
arjefm-1226	193	25	economics	economic	NOUN
arjefm-1226	193	26	,	,	PUNCT
arjefm-1226	193	27	finance	finance	NOUN
arjefm-1226	193	28	and	and	CCONJ
arjefm-1226	193	29	management	management	NOUN
arjefm-1226	193	30	volume	volume	NOUN
arjefm-1226	193	31	13	13	NUM
arjefm-1226	193	32	issue	issue	NOUN
arjefm-1226	193	33	3	3	NUM
arjefm-1226	193	34	,	,	PUNCT
arjefm-1226	193	35	july	july	PROPN
arjefm-1226	193	36	-	-	PUNCT
arjefm-1226	193	37	september	september	PROPN
arjefm-1226	193	38	2025	2025	NUM
arjefm-1226	193	39	issn	issn	NOUN
arjefm-1226	193	40	:	:	PUNCT
arjefm-1226	193	41	2836	2836	NUM
arjefm-1226	193	42	-	-	SYM
arjefm-1226	193	43	9416	9416	NUM
arjefm-1226	193	44	impact	impact	NOUN
arjefm-1226	193	45	factor	factor	NOUN
arjefm-1226	193	46	:	:	PUNCT
arjefm-1226	193	47	6.41	6.41	NUM
arjefm-1226	193	48	journal	journal	NOUN
arjefm-1226	193	49	homepage	homepage	NOUN
arjefm-1226	193	50	:	:	PUNCT
arjefm-1226	193	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	193	52	email	email	NOUN
arjefm-1226	193	53	:	:	PUNCT
arjefm-1226	194	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	194	2	official	official	ADJ
arjefm-1226	194	3	journal	journal	PROPN
arjefm-1226	194	4	of	of	ADP
arjefm-1226	194	5	america	america	PROPN
arjefm-1226	194	6	serial	serial	PROPN
arjefm-1226	194	7	publication	publication	NOUN
arjefm-1226	194	8	american	american	PROPN
arjefm-1226	194	9	research	research	PROPN
arjefm-1226	194	10	journal	journal	PROPN
arjefm-1226	194	11	of	of	ADP
arjefm-1226	194	12	economics	economic	NOUN
arjefm-1226	194	13	,	,	PUNCT
arjefm-1226	194	14	finance	finance	NOUN
arjefm-1226	194	15	and	and	CCONJ
arjefm-1226	194	16	management	management	NOUN
arjefm-1226	194	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	194	18	,	,	PUNCT
arjefm-1226	194	19	email	email	NOUN
arjefm-1226	194	20	:	:	PUNCT
arjefm-1226	194	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	195	1	32	32	NUM
arjefm-1226	196	1	|	|	ADV
arjefm-1226	196	2	p	p	X
arjefm-1226	196	3	a	a	DET
arjefm-1226	196	4	g	g	NOUN
arjefm-1226	196	5	e	e	ADP
arjefm-1226	196	6	0.5067	0.5067	NUM
arjefm-1226	196	7	in	in	ADP
arjefm-1226	196	8	2010	2010	NUM
arjefm-1226	196	9	represents	represent	VERB
arjefm-1226	196	10	limited	limited	ADJ
arjefm-1226	196	11	product	product	NOUN
arjefm-1226	196	12	scope	scope	NOUN
arjefm-1226	196	13	during	during	ADP
arjefm-1226	196	14	challenging	challenging	ADJ
arjefm-1226	196	15	periods	period	NOUN
arjefm-1226	196	16	.	.	PUNCT
arjefm-1226	197	1	the	the	DET
arjefm-1226	197	2	standard	standard	ADJ
arjefm-1226	197	3	deviation	deviation	NOUN
arjefm-1226	197	4	of	of	ADP
arjefm-1226	197	5	0.2020	0.2020	NUM
arjefm-1226	197	6	suggests	suggest	VERB
arjefm-1226	197	7	moderate	moderate	ADJ
arjefm-1226	197	8	variability	variability	NOUN
arjefm-1226	197	9	.	.	PUNCT
arjefm-1226	198	1	4.1	4.1	NUM
arjefm-1226	198	2	correlation	correlation	NOUN
arjefm-1226	198	3	analysis	analysis	NOUN
arjefm-1226	198	4	the	the	DET
arjefm-1226	198	5	correlation	correlation	NOUN
arjefm-1226	198	6	analysis	analysis	NOUN
arjefm-1226	198	7	tells	tell	VERB
arjefm-1226	198	8	the	the	DET
arjefm-1226	198	9	direction	direction	NOUN
arjefm-1226	198	10	and	and	CCONJ
arjefm-1226	198	11	degree	degree	NOUN
arjefm-1226	198	12	of	of	ADP
arjefm-1226	198	13	relationship	relationship	NOUN
arjefm-1226	198	14	between	between	ADP
arjefm-1226	198	15	and	and	CCONJ
arjefm-1226	198	16	among	among	ADP
arjefm-1226	198	17	variables	variable	NOUN
arjefm-1226	198	18	.	.	PUNCT
arjefm-1226	199	1	table	table	NOUN
arjefm-1226	199	2	3	3	NUM
arjefm-1226	199	3	accounts	account	NOUN
arjefm-1226	199	4	for	for	ADP
arjefm-1226	199	5	the	the	DET
arjefm-1226	199	6	correlation	correlation	NOUN
arjefm-1226	199	7	analysis	analysis	NOUN
arjefm-1226	199	8	:	:	PUNCT
arjefm-1226	199	9	table	table	NOUN
arjefm-1226	199	10	3	3	NUM
arjefm-1226	199	11	:	:	PUNCT
arjefm-1226	199	12	pearson	pearson	NOUN
arjefm-1226	199	13	correlation	correlation	NOUN
arjefm-1226	199	14	analysis	analysis	NOUN
arjefm-1226	199	15	oper	oper	PROPN
arjefm-1226	199	16	astd	astd	PROPN
arjefm-1226	199	17	depd	depd	PROPN
arjefm-1226	199	18	invd	invd	ADJ
arjefm-1226	199	19	prod	prod	NOUN
arjefm-1226	199	20	oper	oper	NOUN
arjefm-1226	199	21	1.000000	1.000000	NUM
arjefm-1226	199	22	astd	astd	PROPN
arjefm-1226	199	23	-0.339286	-0.339286	ADJ
arjefm-1226	199	24	1.000000	1.000000	NUM
arjefm-1226	199	25	depd	depd	NOUN
arjefm-1226	199	26	-0.260714	-0.260714	NOUN
arjefm-1226	199	27	-0.053571	-0.053571	PROPN
arjefm-1226	200	1	1.000000	1.000000	NUM
arjefm-1226	200	2	invd	invd	ADJ
arjefm-1226	200	3	-0.077475	-0.077475	NOUN
arjefm-1226	200	4	-0.185940	-0.185940	NOUN
arjefm-1226	200	5	0.337017	0.337017	NUM
arjefm-1226	200	6	1.000000	1.000000	NUM
arjefm-1226	200	7	prod	prod	NOUN
arjefm-1226	200	8	-0.148347	-0.148347	NOUN
arjefm-1226	200	9	0.187936	0.187936	NUM
arjefm-1226	200	10	-0.061305	-0.061305	NOUN
arjefm-1226	200	11	-0.011793	-0.011793	ADJ
arjefm-1226	200	12	1.000000	1.000000	NUM
arjefm-1226	200	13	source	source	NOUN
arjefm-1226	200	14	:	:	PUNCT
arjefm-1226	200	15	author	author	NOUN
arjefm-1226	200	16	’s	’s	PART
arjefm-1226	200	17	compilation	compilation	NOUN
arjefm-1226	200	18	(	(	PUNCT
arjefm-1226	200	19	2025	2025	NUM
arjefm-1226	200	20	)	)	PUNCT
arjefm-1226	200	21	the	the	DET
arjefm-1226	200	22	result	result	NOUN
arjefm-1226	200	23	of	of	ADP
arjefm-1226	200	24	the	the	DET
arjefm-1226	200	25	pearson	pearson	PROPN
arjefm-1226	200	26	correlation	correlation	NOUN
arjefm-1226	200	27	analysis	analysis	NOUN
arjefm-1226	200	28	depicts	depict	VERB
arjefm-1226	200	29	negative	negative	ADJ
arjefm-1226	200	30	relationship	relationship	NOUN
arjefm-1226	200	31	between	between	ADP
arjefm-1226	200	32	oper	oper	NOUN
arjefm-1226	200	33	and	and	CCONJ
arjefm-1226	200	34	astd	astd	PROPN
arjefm-1226	200	35	(	(	PUNCT
arjefm-1226	200	36	-0.3393	-0.3393	PROPN
arjefm-1226	200	37	)	)	PUNCT
arjefm-1226	200	38	,	,	PUNCT
arjefm-1226	200	39	depd	depd	NOUN
arjefm-1226	200	40	(	(	PUNCT
arjefm-1226	200	41	-0.260714	-0.260714	NOUN
arjefm-1226	200	42	)	)	PUNCT
arjefm-1226	200	43	,	,	PUNCT
arjefm-1226	200	44	invd	invd	NOUN
arjefm-1226	200	45	(	(	PUNCT
arjefm-1226	200	46	-0.077475	-0.077475	PROPN
arjefm-1226	200	47	)	)	PUNCT
arjefm-1226	200	48	and	and	CCONJ
arjefm-1226	200	49	prod	prod	NOUN
arjefm-1226	200	50	(	(	PUNCT
arjefm-1226	200	51	-0.148347	-0.148347	NUM
arjefm-1226	200	52	)	)	PUNCT
arjefm-1226	200	53	.	.	PUNCT
arjefm-1226	201	1	these	these	DET
arjefm-1226	201	2	negative	negative	ADJ
arjefm-1226	201	3	relationship	relationship	NOUN
arjefm-1226	201	4	indicate	indicate	VERB
arjefm-1226	201	5	an	an	DET
arjefm-1226	201	6	increase	increase	NOUN
arjefm-1226	201	7	in	in	ADP
arjefm-1226	201	8	operational	operational	ADJ
arjefm-1226	201	9	resilience	resilience	NOUN
arjefm-1226	201	10	(	(	PUNCT
arjefm-1226	201	11	oper	oper	NOUN
arjefm-1226	201	12	)	)	PUNCT
arjefm-1226	201	13	will	will	AUX
arjefm-1226	201	14	lead	lead	VERB
arjefm-1226	201	15	to	to	ADP
arjefm-1226	201	16	a	a	DET
arjefm-1226	201	17	decline	decline	NOUN
arjefm-1226	201	18	in	in	ADP
arjefm-1226	201	19	astd	astd	PROPN
arjefm-1226	201	20	,	,	PUNCT
arjefm-1226	201	21	depd	depd	NOUN
arjefm-1226	201	22	,	,	PUNCT
arjefm-1226	201	23	invd	invd	ADJ
arjefm-1226	201	24	and	and	CCONJ
arjefm-1226	201	25	prod	prod	NOUN
arjefm-1226	201	26	.	.	PUNCT
arjefm-1226	202	1	the	the	DET
arjefm-1226	202	2	negative	negative	ADJ
arjefm-1226	202	3	correlation	correlation	NOUN
arjefm-1226	202	4	implies	imply	VERB
arjefm-1226	202	5	that	that	SCONJ
arjefm-1226	202	6	efforts	effort	NOUN
arjefm-1226	202	7	to	to	PART
arjefm-1226	202	8	enhance	enhance	VERB
arjefm-1226	202	9	operational	operational	ADJ
arjefm-1226	202	10	resilience	resilience	NOUN
arjefm-1226	202	11	might	might	AUX
arjefm-1226	202	12	come	come	VERB
arjefm-1226	202	13	at	at	ADP
arjefm-1226	202	14	the	the	DET
arjefm-1226	202	15	expense	expense	NOUN
arjefm-1226	202	16	of	of	ADP
arjefm-1226	202	17	further	further	ADJ
arjefm-1226	202	18	diversifying	diversify	VERB
arjefm-1226	202	19	assets	asset	NOUN
arjefm-1226	202	20	,	,	PUNCT
arjefm-1226	202	21	banks	bank	NOUN
arjefm-1226	202	22	not	not	PART
arjefm-1226	202	23	prioritizing	prioritize	VERB
arjefm-1226	202	24	expansion	expansion	NOUN
arjefm-1226	202	25	of	of	ADP
arjefm-1226	202	26	their	their	PRON
arjefm-1226	202	27	deposit	deposit	NOUN
arjefm-1226	202	28	base	base	NOUN
arjefm-1226	202	29	,	,	PUNCT
arjefm-1226	202	30	paying	pay	VERB
arjefm-1226	202	31	less	less	ADJ
arjefm-1226	202	32	attention	attention	NOUN
arjefm-1226	202	33	to	to	ADP
arjefm-1226	202	34	diversifying	diversify	VERB
arjefm-1226	202	35	their	their	PRON
arjefm-1226	202	36	product	product	NOUN
arjefm-1226	202	37	offerings	offering	NOUN
arjefm-1226	202	38	.	.	PUNCT
arjefm-1226	203	1	overall	overall	ADV
arjefm-1226	203	2	,	,	PUNCT
arjefm-1226	203	3	these	these	DET
arjefm-1226	203	4	correlations	correlation	NOUN
arjefm-1226	203	5	show	show	VERB
arjefm-1226	203	6	that	that	SCONJ
arjefm-1226	203	7	operational	operational	ADJ
arjefm-1226	203	8	resilience	resilience	NOUN
arjefm-1226	203	9	has	have	VERB
arjefm-1226	203	10	weak	weak	ADJ
arjefm-1226	203	11	to	to	PART
arjefm-1226	203	12	moderate	moderate	VERB
arjefm-1226	203	13	negative	negative	ADJ
arjefm-1226	203	14	relationship	relationship	NOUN
arjefm-1226	203	15	with	with	ADP
arjefm-1226	203	16	the	the	DET
arjefm-1226	203	17	diversification	diversification	NOUN
arjefm-1226	203	18	strategies	strategy	NOUN
arjefm-1226	203	19	of	of	ADP
arjefm-1226	203	20	nigerian	nigerian	ADJ
arjefm-1226	203	21	banks	bank	NOUN
arjefm-1226	203	22	,	,	PUNCT
arjefm-1226	203	23	suggesting	suggest	VERB
arjefm-1226	203	24	that	that	SCONJ
arjefm-1226	203	25	a	a	DET
arjefm-1226	203	26	focus	focus	NOUN
arjefm-1226	203	27	on	on	ADP
arjefm-1226	203	28	resilience	resilience	NOUN
arjefm-1226	203	29	may	may	AUX
arjefm-1226	203	30	limit	limit	VERB
arjefm-1226	203	31	other	other	ADJ
arjefm-1226	203	32	diversification	diversification	NOUN
arjefm-1226	203	33	efforts	effort	NOUN
arjefm-1226	203	34	,	,	PUNCT
arjefm-1226	203	35	though	though	SCONJ
arjefm-1226	203	36	the	the	DET
arjefm-1226	203	37	relationships	relationship	NOUN
arjefm-1226	203	38	are	be	AUX
arjefm-1226	203	39	not	not	PART
arjefm-1226	203	40	strong	strong	ADJ
arjefm-1226	203	41	enough	enough	ADV
arjefm-1226	203	42	to	to	PART
arjefm-1226	203	43	assert	assert	VERB
arjefm-1226	203	44	a	a	DET
arjefm-1226	203	45	definitive	definitive	ADJ
arjefm-1226	203	46	pattern	pattern	NOUN
arjefm-1226	203	47	.	.	PUNCT
arjefm-1226	204	1	4.2	4.2	NUM
arjefm-1226	204	2	.	.	PUNCT
arjefm-1226	205	1	regression	regression	NOUN
arjefm-1226	205	2	result	result	NOUN
arjefm-1226	205	3	and	and	CCONJ
arjefm-1226	205	4	discussions	discussion	NOUN
arjefm-1226	205	5	table	table	NOUN
arjefm-1226	205	6	4.7	4.7	NUM
arjefm-1226	205	7	present	present	ADJ
arjefm-1226	205	8	the	the	DET
arjefm-1226	205	9	main	main	ADJ
arjefm-1226	205	10	regression	regression	NOUN
arjefm-1226	205	11	result	result	NOUN
arjefm-1226	205	12	having	having	AUX
arjefm-1226	205	13	confirmed	confirm	VERB
arjefm-1226	205	14	that	that	SCONJ
arjefm-1226	205	15	the	the	DET
arjefm-1226	205	16	model	model	NOUN
arjefm-1226	205	17	is	be	AUX
arjefm-1226	205	18	homoskedastic	homoskedastic	ADJ
arjefm-1226	205	19	,	,	PUNCT
arjefm-1226	205	20	and	and	CCONJ
arjefm-1226	205	21	devoid	devoid	ADJ
arjefm-1226	205	22	of	of	ADP
arjefm-1226	205	23	multicolinearity	multicolinearity	NOUN
arjefm-1226	205	24	problem	problem	NOUN
arjefm-1226	205	25	table	table	NOUN
arjefm-1226	205	26	4	4	NUM
arjefm-1226	205	27	:	:	PUNCT
arjefm-1226	205	28	regression	regression	NOUN
arjefm-1226	205	29	estimate	estimate	VERB
arjefm-1226	205	30	dependent	dependent	ADJ
arjefm-1226	205	31	variable	variable	NOUN
arjefm-1226	205	32	:	:	PUNCT
arjefm-1226	205	33	oper	oper	NOUN
arjefm-1226	205	34	date	date	NOUN
arjefm-1226	205	35	:	:	PUNCT
arjefm-1226	205	36	01/16/25	01/16/25	NUM
arjefm-1226	205	37	time	time	NOUN
arjefm-1226	205	38	:	:	PUNCT
arjefm-1226	205	39	06:19	06:19	NUM
arjefm-1226	205	40	sample	sample	NOUN
arjefm-1226	205	41	:	:	PUNCT
arjefm-1226	205	42	2008	2008	NUM
arjefm-1226	205	43	2022	2022	NUM
arjefm-1226	205	44	included	include	VERB
arjefm-1226	205	45	observations	observation	NOUN
arjefm-1226	205	46	:	:	PUNCT
arjefm-1226	205	47	15	15	NUM
arjefm-1226	205	48	variable	variable	ADJ
arjefm-1226	205	49	coefficien	coefficien	NOUN
arjefm-1226	205	50	t	t	PROPN
arjefm-1226	205	51	std	std	PROPN
arjefm-1226	205	52	.	.	PUNCT
arjefm-1226	205	53	error	error	NOUN
arjefm-1226	205	54	t	t	NOUN
arjefm-1226	205	55	-	-	PUNCT
arjefm-1226	205	56	statistic	statistic	NOUN
arjefm-1226	205	57	prob	prob	NOUN
arjefm-1226	205	58	.	.	PUNCT
arjefm-1226	206	1	c	c	NOUN
arjefm-1226	206	2	1.545100	1.545100	NUM
arjefm-1226	206	3	0.221618	0.221618	NUM
arjefm-1226	206	4	6.971914	6.971914	NUM
arjefm-1226	206	5	0.0001	0.0001	NUM
arjefm-1226	206	6	astd	astd	PROPN
arjefm-1226	206	7	0.356640	0.356640	NUM
arjefm-1226	206	8	0.099540	0.099540	NUM
arjefm-1226	206	9	3.582887	3.582887	NUM
arjefm-1226	206	10	0.0050	0.0050	NUM
arjefm-1226	206	11	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	206	12	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	207	1	american	american	PROPN
arjefm-1226	207	2	research	research	PROPN
arjefm-1226	207	3	journal	journal	PROPN
arjefm-1226	207	4	of	of	ADP
arjefm-1226	207	5	economics	economic	NOUN
arjefm-1226	207	6	,	,	PUNCT
arjefm-1226	207	7	finance	finance	NOUN
arjefm-1226	207	8	and	and	CCONJ
arjefm-1226	207	9	management	management	NOUN
arjefm-1226	207	10	volume	volume	NOUN
arjefm-1226	207	11	13	13	NUM
arjefm-1226	207	12	issue	issue	NOUN
arjefm-1226	207	13	3	3	NUM
arjefm-1226	207	14	,	,	PUNCT
arjefm-1226	207	15	july	july	PROPN
arjefm-1226	207	16	-	-	PUNCT
arjefm-1226	207	17	september	september	PROPN
arjefm-1226	207	18	2025	2025	NUM
arjefm-1226	207	19	issn	issn	NOUN
arjefm-1226	207	20	:	:	PUNCT
arjefm-1226	207	21	2836	2836	NUM
arjefm-1226	207	22	-	-	SYM
arjefm-1226	207	23	9416	9416	NUM
arjefm-1226	207	24	impact	impact	NOUN
arjefm-1226	207	25	factor	factor	NOUN
arjefm-1226	207	26	:	:	PUNCT
arjefm-1226	207	27	6.41	6.41	NUM
arjefm-1226	207	28	journal	journal	NOUN
arjefm-1226	207	29	homepage	homepage	NOUN
arjefm-1226	207	30	:	:	PUNCT
arjefm-1226	207	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	207	32	email	email	NOUN
arjefm-1226	207	33	:	:	PUNCT
arjefm-1226	207	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	207	35	official	official	ADJ
arjefm-1226	207	36	journal	journal	PROPN
arjefm-1226	207	37	of	of	ADP
arjefm-1226	207	38	america	america	PROPN
arjefm-1226	207	39	serial	serial	PROPN
arjefm-1226	207	40	publication	publication	NOUN
arjefm-1226	207	41	american	american	PROPN
arjefm-1226	207	42	research	research	PROPN
arjefm-1226	207	43	journal	journal	PROPN
arjefm-1226	207	44	of	of	ADP
arjefm-1226	207	45	economics	economic	NOUN
arjefm-1226	207	46	,	,	PUNCT
arjefm-1226	207	47	finance	finance	NOUN
arjefm-1226	207	48	and	and	CCONJ
arjefm-1226	207	49	management	management	NOUN
arjefm-1226	207	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	207	51	,	,	PUNCT
arjefm-1226	207	52	email	email	NOUN
arjefm-1226	207	53	:	:	PUNCT
arjefm-1226	207	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	208	1	33	33	NUM
arjefm-1226	209	1	|	|	ADV
arjefm-1226	209	2	p	p	X
arjefm-1226	209	3	a	a	DET
arjefm-1226	209	4	g	g	NOUN
arjefm-1226	209	5	e	e	PROPN
arjefm-1226	209	6	depd	depd	NOUN
arjefm-1226	209	7	0.590817	0.590817	NUM
arjefm-1226	209	8	0.049744	0.049744	NUM
arjefm-1226	209	9	11.877240	11.877240	NUM
arjefm-1226	209	10	0.0000	0.0000	NUM
arjefm-1226	209	11	invd	invd	VERB
arjefm-1226	209	12	0.080841	0.080841	NUM
arjefm-1226	210	1	1.456458	1.456458	NUM
arjefm-1226	210	2	0.055505	0.055505	NUM
arjefm-1226	210	3	0.9571	0.9571	NUM
arjefm-1226	210	4	prod	prod	NOUN
arjefm-1226	210	5	-0.341690	-0.341690	VERB
arjefm-1226	210	6	0.104027	0.104027	NUM
arjefm-1226	210	7	-3.284634	-3.284634	NOUN
arjefm-1226	210	8	0.0111	0.0111	NUM
arjefm-1226	210	9	r	r	NOUN
arjefm-1226	210	10	-	-	PUNCT
arjefm-1226	210	11	squared	square	VERB
arjefm-1226	210	12	0.939370	0.939370	NUM
arjefm-1226	210	13	mean	mean	NOUN
arjefm-1226	210	14	dependent	dependent	ADJ
arjefm-1226	210	15	var	var	NOUN
arjefm-1226	210	16	54.77333	54.77333	NUM
arjefm-1226	210	17	adjusted	adjust	VERB
arjefm-1226	210	18	rsquared	rsquare	VERB
arjefm-1226	210	19	0.893898	0.893898	NUM
arjefm-1226	210	20	s.d	s.d	PROPN
arjefm-1226	210	21	.	.	PROPN
arjefm-1226	211	1	dependent	dependent	ADJ
arjefm-1226	211	2	var	var	PROPN
arjefm-1226	211	3	15.00622	15.00622	NUM
arjefm-1226	211	4	s.e	s.e	PROPN
arjefm-1226	211	5	.	.	PROPN
arjefm-1226	211	6	of	of	ADP
arjefm-1226	211	7	regression	regression	NOUN
arjefm-1226	211	8	4.888018	4.888018	NUM
arjefm-1226	211	9	akaike	akaike	ADJ
arjefm-1226	211	10	info	info	NOUN
arjefm-1226	211	11	criterion	criterion	NOUN
arjefm-1226	211	12	6.323937	6.323937	NUM
arjefm-1226	211	13	sum	sum	NOUN
arjefm-1226	211	14	squared	square	VERB
arjefm-1226	211	15	resid	resid	NOUN
arjefm-1226	211	16	191.1418	191.1418	NUM
arjefm-1226	211	17	schwarz	schwarz	NOUN
arjefm-1226	211	18	criterion	criterion	NOUN
arjefm-1226	211	19	6.65436	6.65436	NUM
arjefm-1226	211	20	0	0	NUM
arjefm-1226	211	21	log	log	NOUN
arjefm-1226	211	22	likelihood	likelihood	NOUN
arjefm-1226	211	23	-40.42953	-40.42953	PUNCT
arjefm-1226	211	24	hannan	hannan	PROPN
arjefm-1226	211	25	-	-	PUNCT
arjefm-1226	211	26	quinn	quinn	PROPN
arjefm-1226	211	27	criter	criter	NOUN
arjefm-1226	211	28	.	.	PUNCT
arjefm-1226	212	1	6.320417	6.320417	NUM
arjefm-1226	212	2	f	f	X
arjefm-1226	212	3	-	-	PUNCT
arjefm-1226	212	4	statistic	statistic	ADJ
arjefm-1226	212	5	20.65810	20.65810	NUM
arjefm-1226	212	6	durbin	durbin	ADJ
arjefm-1226	212	7	-	-	PUNCT
arjefm-1226	212	8	watson	watson	NOUN
arjefm-1226	212	9	stat	stat	NOUN
arjefm-1226	212	10	2.04994	2.04994	NUM
arjefm-1226	212	11	9	9	NUM
arjefm-1226	212	12	prob(f	prob(f	NOUN
arjefm-1226	212	13	-	-	PUNCT
arjefm-1226	212	14	statistic	statistic	NOUN
arjefm-1226	212	15	)	)	PUNCT
arjefm-1226	212	16	0.000184	0.000184	NUM
arjefm-1226	212	17	source	source	NOUN
arjefm-1226	212	18	:	:	PUNCT
arjefm-1226	212	19	author	author	NOUN
arjefm-1226	212	20	’s	’s	PART
arjefm-1226	212	21	compilation	compilation	NOUN
arjefm-1226	212	22	(	(	PUNCT
arjefm-1226	212	23	2025	2025	NUM
arjefm-1226	212	24	)	)	PUNCT
arjefm-1226	212	25	from	from	ADP
arjefm-1226	212	26	table	table	NOUN
arjefm-1226	212	27	4	4	NUM
arjefm-1226	212	28	,	,	PUNCT
arjefm-1226	212	29	the	the	DET
arjefm-1226	212	30	model	model	NOUN
arjefm-1226	212	31	reported	report	VERB
arjefm-1226	212	32	an	an	DET
arjefm-1226	212	33	r	r	NOUN
arjefm-1226	212	34	-	-	PUNCT
arjefm-1226	212	35	squared	square	VERB
arjefm-1226	212	36	value	value	NOUN
arjefm-1226	212	37	of	of	ADP
arjefm-1226	212	38	93.94	93.94	NUM
arjefm-1226	212	39	%	%	NOUN
arjefm-1226	212	40	suggesting	suggest	VERB
arjefm-1226	212	41	that	that	SCONJ
arjefm-1226	212	42	bank	bank	NOUN
arjefm-1226	212	43	diversification	diversification	NOUN
arjefm-1226	212	44	strategies	strategy	NOUN
arjefm-1226	212	45	collectively	collectively	ADV
arjefm-1226	212	46	explain	explain	VERB
arjefm-1226	212	47	a	a	DET
arjefm-1226	212	48	substantial	substantial	ADJ
arjefm-1226	212	49	proportion	proportion	NOUN
arjefm-1226	212	50	of	of	ADP
arjefm-1226	212	51	variations	variation	NOUN
arjefm-1226	212	52	in	in	ADP
arjefm-1226	212	53	operational	operational	ADJ
arjefm-1226	212	54	resilience	resilience	NOUN
arjefm-1226	212	55	.	.	PUNCT
arjefm-1226	213	1	to	to	PART
arjefm-1226	213	2	further	far	ADV
arjefm-1226	213	3	substantiate	substantiate	VERB
arjefm-1226	213	4	this	this	PRON
arjefm-1226	213	5	,	,	PUNCT
arjefm-1226	213	6	the	the	DET
arjefm-1226	213	7	study	study	NOUN
arjefm-1226	213	8	reported	report	VERB
arjefm-1226	213	9	an	an	DET
arjefm-1226	213	10	adjusted	adjust	VERB
arjefm-1226	213	11	r²	r²	NOUN
arjefm-1226	213	12	value	value	NOUN
arjefm-1226	213	13	of	of	ADP
arjefm-1226	213	14	63.82	63.82	NUM
arjefm-1226	213	15	%	%	NOUN
arjefm-1226	213	16	,	,	PUNCT
arjefm-1226	213	17	indicating	indicate	VERB
arjefm-1226	213	18	that	that	SCONJ
arjefm-1226	213	19	the	the	DET
arjefm-1226	213	20	model	model	NOUN
arjefm-1226	213	21	explains	explain	VERB
arjefm-1226	213	22	a	a	DET
arjefm-1226	213	23	significant	significant	ADJ
arjefm-1226	213	24	proportion	proportion	NOUN
arjefm-1226	213	25	of	of	ADP
arjefm-1226	213	26	the	the	DET
arjefm-1226	213	27	variation	variation	NOUN
arjefm-1226	213	28	in	in	ADP
arjefm-1226	213	29	oper	oper	NOUN
arjefm-1226	213	30	.	.	PUNCT
arjefm-1226	214	1	additionally	additionally	ADV
arjefm-1226	214	2	,	,	PUNCT
arjefm-1226	214	3	the	the	DET
arjefm-1226	214	4	global	global	ADJ
arjefm-1226	214	5	statistics	statistic	NOUN
arjefm-1226	214	6	reveal	reveal	VERB
arjefm-1226	214	7	that	that	SCONJ
arjefm-1226	214	8	bank	bank	NOUN
arjefm-1226	214	9	diversification	diversification	NOUN
arjefm-1226	214	10	proxies	proxy	NOUN
arjefm-1226	214	11	jointly	jointly	ADV
arjefm-1226	214	12	affect	affect	VERB
arjefm-1226	214	13	banks	bank	NOUN
arjefm-1226	214	14	’	'	PUNCT
arjefm-1226	214	15	operational	operational	ADJ
arjefm-1226	214	16	efficiency	efficiency	NOUN
arjefm-1226	214	17	significantly	significantly	ADV
arjefm-1226	214	18	.	.	PUNCT
arjefm-1226	215	1	lastly	lastly	ADV
arjefm-1226	215	2	,	,	PUNCT
arjefm-1226	215	3	the	the	DET
arjefm-1226	215	4	durbinwatson	durbinwatson	NOUN
arjefm-1226	215	5	statistic	statistic	NOUN
arjefm-1226	215	6	of	of	ADP
arjefm-1226	215	7	2.049949	2.049949	NUM
arjefm-1226	215	8	indicates	indicate	VERB
arjefm-1226	215	9	that	that	SCONJ
arjefm-1226	215	10	the	the	DET
arjefm-1226	215	11	model	model	NOUN
arjefm-1226	215	12	is	be	AUX
arjefm-1226	215	13	not	not	PART
arjefm-1226	215	14	serially	serially	ADV
arjefm-1226	215	15	auto	auto	NOUN
arjefm-1226	215	16	-	-	PUNCT
arjefm-1226	215	17	correlated	correlate	VERB
arjefm-1226	215	18	.	.	PUNCT
arjefm-1226	216	1	these	these	DET
arjefm-1226	216	2	findings	finding	NOUN
arjefm-1226	216	3	highlight	highlight	VERB
arjefm-1226	216	4	that	that	SCONJ
arjefm-1226	216	5	while	while	SCONJ
arjefm-1226	216	6	diversification	diversification	NOUN
arjefm-1226	216	7	is	be	AUX
arjefm-1226	216	8	essential	essential	ADJ
arjefm-1226	216	9	for	for	ADP
arjefm-1226	216	10	building	build	VERB
arjefm-1226	216	11	resilience	resilience	NOUN
arjefm-1226	216	12	,	,	PUNCT
arjefm-1226	216	13	focusing	focus	VERB
arjefm-1226	216	14	on	on	ADP
arjefm-1226	216	15	specific	specific	ADJ
arjefm-1226	216	16	areas	area	NOUN
arjefm-1226	216	17	,	,	PUNCT
arjefm-1226	216	18	particularly	particularly	ADV
arjefm-1226	216	19	deposit	deposit	NOUN
arjefm-1226	216	20	and	and	CCONJ
arjefm-1226	216	21	asset	asset	NOUN
arjefm-1226	216	22	diversification	diversification	NOUN
arjefm-1226	216	23	,	,	PUNCT
arjefm-1226	216	24	is	be	AUX
arjefm-1226	216	25	more	more	ADV
arjefm-1226	216	26	effective	effective	ADJ
arjefm-1226	216	27	,	,	PUNCT
arjefm-1226	216	28	whereas	whereas	SCONJ
arjefm-1226	216	29	caution	caution	NOUN
arjefm-1226	216	30	is	be	AUX
arjefm-1226	216	31	warranted	warrant	VERB
arjefm-1226	216	32	in	in	ADP
arjefm-1226	216	33	overextending	overextend	VERB
arjefm-1226	216	34	product	product	NOUN
arjefm-1226	216	35	offerings	offering	NOUN
arjefm-1226	216	36	.	.	PUNCT
arjefm-1226	217	1	from	from	ADP
arjefm-1226	217	2	the	the	DET
arjefm-1226	217	3	regression	regression	NOUN
arjefm-1226	217	4	output	output	NOUN
arjefm-1226	217	5	,	,	PUNCT
arjefm-1226	217	6	the	the	DET
arjefm-1226	217	7	coefficient	coefficient	NOUN
arjefm-1226	217	8	of	of	ADP
arjefm-1226	217	9	astd	astd	PROPN
arjefm-1226	217	10	was	be	AUX
arjefm-1226	217	11	0.356640	0.356640	NUM
arjefm-1226	217	12	with	with	ADP
arjefm-1226	217	13	p	p	NOUN
arjefm-1226	217	14	-	-	PUNCT
arjefm-1226	217	15	value	value	NOUN
arjefm-1226	217	16	of	of	ADP
arjefm-1226	217	17	0.0050	0.0050	NUM
arjefm-1226	217	18	,	,	PUNCT
arjefm-1226	217	19	demonstrated	demonstrate	VERB
arjefm-1226	217	20	a	a	DET
arjefm-1226	217	21	significant	significant	ADJ
arjefm-1226	217	22	positive	positive	ADJ
arjefm-1226	217	23	impact	impact	NOUN
arjefm-1226	217	24	on	on	ADP
arjefm-1226	217	25	operational	operational	ADJ
arjefm-1226	217	26	resilience	resilience	NOUN
arjefm-1226	217	27	.	.	PUNCT
arjefm-1226	218	1	this	this	PRON
arjefm-1226	218	2	suggests	suggest	VERB
arjefm-1226	218	3	that	that	SCONJ
arjefm-1226	218	4	when	when	SCONJ
arjefm-1226	218	5	banks	bank	NOUN
arjefm-1226	218	6	diversify	diversify	VERB
arjefm-1226	218	7	their	their	PRON
arjefm-1226	218	8	assets	asset	NOUN
arjefm-1226	218	9	across	across	ADP
arjefm-1226	218	10	different	different	ADJ
arjefm-1226	218	11	categories	category	NOUN
arjefm-1226	218	12	or	or	CCONJ
arjefm-1226	218	13	sectors	sector	NOUN
arjefm-1226	218	14	,	,	PUNCT
arjefm-1226	218	15	they	they	PRON
arjefm-1226	218	16	reduce	reduce	VERB
arjefm-1226	218	17	the	the	DET
arjefm-1226	218	18	risks	risk	NOUN
arjefm-1226	218	19	associated	associate	VERB
arjefm-1226	218	20	with	with	ADP
arjefm-1226	218	21	overconcentration	overconcentration	NOUN
arjefm-1226	218	22	in	in	ADP
arjefm-1226	218	23	specific	specific	ADJ
arjefm-1226	218	24	asset	asset	NOUN
arjefm-1226	218	25	classes	class	NOUN
arjefm-1226	218	26	.	.	PUNCT
arjefm-1226	219	1	this	this	DET
arjefm-1226	219	2	finding	finding	NOUN
arjefm-1226	219	3	underscores	underscore	VERB
arjefm-1226	219	4	the	the	DET
arjefm-1226	219	5	importance	importance	NOUN
arjefm-1226	219	6	of	of	ADP
arjefm-1226	219	7	strategic	strategic	ADJ
arjefm-1226	219	8	asset	asset	NOUN
arjefm-1226	219	9	allocation	allocation	NOUN
arjefm-1226	219	10	in	in	ADP
arjefm-1226	219	11	ensuring	ensure	VERB
arjefm-1226	219	12	long	long	ADJ
arjefm-1226	219	13	-	-	PUNCT
arjefm-1226	219	14	term	term	NOUN
arjefm-1226	219	15	stability	stability	NOUN
arjefm-1226	219	16	.	.	PUNCT
arjefm-1226	220	1	this	this	DET
arjefm-1226	220	2	finding	finding	NOUN
arjefm-1226	220	3	aligns	align	VERB
arjefm-1226	220	4	with	with	ADP
arjefm-1226	220	5	several	several	ADJ
arjefm-1226	220	6	studies	study	NOUN
arjefm-1226	220	7	that	that	PRON
arjefm-1226	220	8	emphasize	emphasize	VERB
arjefm-1226	220	9	the	the	DET
arjefm-1226	220	10	importance	importance	NOUN
arjefm-1226	220	11	of	of	ADP
arjefm-1226	220	12	diversification	diversification	NOUN
arjefm-1226	220	13	in	in	ADP
arjefm-1226	220	14	improving	improve	VERB
arjefm-1226	220	15	financial	financial	ADJ
arjefm-1226	220	16	stability	stability	NOUN
arjefm-1226	220	17	and	and	CCONJ
arjefm-1226	220	18	managing	manage	VERB
arjefm-1226	220	19	risk	risk	NOUN
arjefm-1226	220	20	.	.	PUNCT
arjefm-1226	221	1	for	for	ADP
arjefm-1226	221	2	instance	instance	NOUN
arjefm-1226	221	3	,	,	PUNCT
arjefm-1226	221	4	obaro	obaro	NOUN
arjefm-1226	221	5	et	et	NOUN
arjefm-1226	221	6	al	al	PROPN
arjefm-1226	221	7	.	.	PROPN
arjefm-1226	222	1	(	(	PUNCT
arjefm-1226	222	2	2022	2022	NUM
arjefm-1226	222	3	)	)	PUNCT
arjefm-1226	222	4	found	find	VERB
arjefm-1226	222	5	that	that	SCONJ
arjefm-1226	222	6	asset	asset	NOUN
arjefm-1226	222	7	diversification	diversification	NOUN
arjefm-1226	222	8	(	(	PUNCT
arjefm-1226	222	9	astd	astd	PROPN
arjefm-1226	222	10	)	)	PUNCT
arjefm-1226	222	11	has	have	VERB
arjefm-1226	222	12	a	a	DET
arjefm-1226	222	13	positive	positive	ADJ
arjefm-1226	222	14	effect	effect	NOUN
arjefm-1226	222	15	on	on	ADP
arjefm-1226	222	16	bank	bank	NOUN
arjefm-1226	222	17	performance	performance	NOUN
arjefm-1226	222	18	.	.	PUNCT
arjefm-1226	223	1	similarly	similarly	ADV
arjefm-1226	223	2	,	,	PUNCT
arjefm-1226	223	3	kamagoba	kamagoba	PROPN
arjefm-1226	223	4	and	and	CCONJ
arjefm-1226	223	5	irechukwu	irechukwu	PROPN
arjefm-1226	223	6	(	(	PUNCT
arjefm-1226	223	7	2023	2023	NUM
arjefm-1226	223	8	)	)	PUNCT
arjefm-1226	223	9	highlighted	highlight	VERB
arjefm-1226	223	10	that	that	SCONJ
arjefm-1226	223	11	diversified	diversified	ADJ
arjefm-1226	223	12	asset	asset	NOUN
arjefm-1226	223	13	portfolios	portfolio	NOUN
arjefm-1226	223	14	in	in	ADP
arjefm-1226	223	15	rwanda	rwanda	PROPN
arjefm-1226	223	16	help	help	VERB
arjefm-1226	223	17	lower	low	ADJ
arjefm-1226	223	18	portfolio	portfolio	NOUN
arjefm-1226	223	19	volatility	volatility	NOUN
arjefm-1226	223	20	and	and	CCONJ
arjefm-1226	223	21	improve	improve	VERB
arjefm-1226	223	22	financial	financial	ADJ
arjefm-1226	223	23	performance	performance	NOUN
arjefm-1226	223	24	,	,	PUNCT
arjefm-1226	223	25	suggesting	suggest	VERB
arjefm-1226	223	26	that	that	SCONJ
arjefm-1226	223	27	asset	asset	NOUN
arjefm-1226	223	28	diversification	diversification	NOUN
arjefm-1226	223	29	contributes	contribute	VERB
arjefm-1226	223	30	to	to	ADP
arjefm-1226	223	31	operational	operational	ADJ
arjefm-1226	223	32	stability	stability	NOUN
arjefm-1226	223	33	in	in	ADP
arjefm-1226	223	34	banks	bank	NOUN
arjefm-1226	223	35	.	.	PUNCT
arjefm-1226	224	1	in	in	ADP
arjefm-1226	224	2	the	the	DET
arjefm-1226	224	3	same	same	ADJ
arjefm-1226	224	4	vein	vein	NOUN
arjefm-1226	224	5	,	,	PUNCT
arjefm-1226	224	6	depd	depd	NOUN
arjefm-1226	224	7	reported	report	VERB
arjefm-1226	224	8	coefficient	coefficient	NOUN
arjefm-1226	224	9	value	value	NOUN
arjefm-1226	224	10	of	of	ADP
arjefm-1226	224	11	0.590817	0.590817	NUM
arjefm-1226	224	12	and	and	CCONJ
arjefm-1226	224	13	p	p	NOUN
arjefm-1226	224	14	-	-	PUNCT
arjefm-1226	224	15	value	value	NOUN
arjefm-1226	224	16	of	of	ADP
arjefm-1226	224	17	0.0000	0.0000	NUM
arjefm-1226	224	18	.	.	PUNCT
arjefm-1226	225	1	this	this	PRON
arjefm-1226	225	2	symbolizes	symbolize	VERB
arjefm-1226	225	3	a	a	DET
arjefm-1226	225	4	positive	positive	ADJ
arjefm-1226	225	5	significant	significant	ADJ
arjefm-1226	225	6	relationship	relationship	NOUN
arjefm-1226	225	7	between	between	ADP
arjefm-1226	225	8	depd	depd	NOUN
arjefm-1226	225	9	and	and	CCONJ
arjefm-1226	225	10	oper	oper	NOUN
arjefm-1226	225	11	.	.	PUNCT
arjefm-1226	226	1	this	this	PRON
arjefm-1226	226	2	indicate	indicate	VERB
arjefm-1226	226	3	that	that	SCONJ
arjefm-1226	226	4	a	a	DET
arjefm-1226	226	5	well	well	ADV
arjefm-1226	226	6	-	-	PUNCT
arjefm-1226	226	7	diversified	diversify	VERB
arjefm-1226	226	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	226	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	226	10	american	american	PROPN
arjefm-1226	226	11	research	research	PROPN
arjefm-1226	226	12	journal	journal	PROPN
arjefm-1226	226	13	of	of	ADP
arjefm-1226	226	14	economics	economic	NOUN
arjefm-1226	226	15	,	,	PUNCT
arjefm-1226	226	16	finance	finance	NOUN
arjefm-1226	226	17	and	and	CCONJ
arjefm-1226	226	18	management	management	NOUN
arjefm-1226	226	19	volume	volume	NOUN
arjefm-1226	226	20	13	13	NUM
arjefm-1226	226	21	issue	issue	NOUN
arjefm-1226	226	22	3	3	NUM
arjefm-1226	226	23	,	,	PUNCT
arjefm-1226	226	24	july	july	PROPN
arjefm-1226	226	25	-	-	PUNCT
arjefm-1226	226	26	september	september	PROPN
arjefm-1226	226	27	2025	2025	NUM
arjefm-1226	226	28	issn	issn	NOUN
arjefm-1226	226	29	:	:	PUNCT
arjefm-1226	226	30	2836	2836	NUM
arjefm-1226	226	31	-	-	SYM
arjefm-1226	226	32	9416	9416	NUM
arjefm-1226	226	33	impact	impact	NOUN
arjefm-1226	226	34	factor	factor	NOUN
arjefm-1226	226	35	:	:	PUNCT
arjefm-1226	226	36	6.41	6.41	NUM
arjefm-1226	226	37	journal	journal	NOUN
arjefm-1226	226	38	homepage	homepage	NOUN
arjefm-1226	226	39	:	:	PUNCT
arjefm-1226	226	40	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	226	41	email	email	NOUN
arjefm-1226	226	42	:	:	PUNCT
arjefm-1226	226	43	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	226	44	official	official	ADJ
arjefm-1226	226	45	journal	journal	PROPN
arjefm-1226	226	46	of	of	ADP
arjefm-1226	226	47	america	america	PROPN
arjefm-1226	226	48	serial	serial	PROPN
arjefm-1226	226	49	publication	publication	NOUN
arjefm-1226	226	50	american	american	PROPN
arjefm-1226	226	51	research	research	PROPN
arjefm-1226	226	52	journal	journal	PROPN
arjefm-1226	226	53	of	of	ADP
arjefm-1226	226	54	economics	economic	NOUN
arjefm-1226	226	55	,	,	PUNCT
arjefm-1226	226	56	finance	finance	NOUN
arjefm-1226	226	57	and	and	CCONJ
arjefm-1226	226	58	management	management	NOUN
arjefm-1226	226	59	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	226	60	,	,	PUNCT
arjefm-1226	226	61	email	email	NOUN
arjefm-1226	226	62	:	:	PUNCT
arjefm-1226	226	63	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	227	1	34	34	NUM
arjefm-1226	228	1	|	|	ADV
arjefm-1226	228	2	p	p	X
arjefm-1226	228	3	a	a	DET
arjefm-1226	228	4	g	g	NOUN
arjefm-1226	228	5	e	e	NOUN
arjefm-1226	228	6	deposit	deposit	NOUN
arjefm-1226	228	7	base	base	NOUN
arjefm-1226	228	8	is	be	AUX
arjefm-1226	228	9	critical	critical	ADJ
arjefm-1226	228	10	to	to	ADP
arjefm-1226	228	11	maintaining	maintain	VERB
arjefm-1226	228	12	operational	operational	ADJ
arjefm-1226	228	13	stability	stability	NOUN
arjefm-1226	228	14	.	.	PUNCT
arjefm-1226	229	1	diversification	diversification	NOUN
arjefm-1226	229	2	in	in	ADP
arjefm-1226	229	3	deposits	deposit	NOUN
arjefm-1226	229	4	ensures	ensure	VERB
arjefm-1226	229	5	that	that	SCONJ
arjefm-1226	229	6	the	the	DET
arjefm-1226	229	7	banks	bank	NOUN
arjefm-1226	229	8	are	be	AUX
arjefm-1226	229	9	not	not	PART
arjefm-1226	229	10	overly	overly	ADV
arjefm-1226	229	11	reliant	reliant	ADJ
arjefm-1226	229	12	on	on	ADP
arjefm-1226	229	13	any	any	DET
arjefm-1226	229	14	single	single	ADJ
arjefm-1226	229	15	source	source	NOUN
arjefm-1226	229	16	of	of	ADP
arjefm-1226	229	17	funding	funding	NOUN
arjefm-1226	229	18	,	,	PUNCT
arjefm-1226	229	19	reducing	reduce	VERB
arjefm-1226	229	20	vulnerability	vulnerability	NOUN
arjefm-1226	229	21	to	to	ADP
arjefm-1226	229	22	sector	sector	NOUN
arjefm-1226	229	23	-	-	PUNCT
arjefm-1226	229	24	specific	specific	ADJ
arjefm-1226	229	25	or	or	CCONJ
arjefm-1226	229	26	regional	regional	ADJ
arjefm-1226	229	27	economic	economic	ADJ
arjefm-1226	229	28	downturns	downturn	NOUN
arjefm-1226	229	29	.	.	PUNCT
arjefm-1226	230	1	this	this	DET
arjefm-1226	230	2	finding	finding	NOUN
arjefm-1226	230	3	aligns	align	VERB
arjefm-1226	230	4	with	with	ADP
arjefm-1226	230	5	studies	study	NOUN
arjefm-1226	230	6	conducted	conduct	VERB
arjefm-1226	230	7	by	by	ADP
arjefm-1226	230	8	agbesuyi	agbesuyi	NOUN
arjefm-1226	230	9	et	et	PROPN
arjefm-1226	230	10	al	al	PROPN
arjefm-1226	230	11	.	.	PROPN
arjefm-1226	231	1	(	(	PUNCT
arjefm-1226	231	2	2023	2023	NUM
arjefm-1226	231	3	)	)	PUNCT
arjefm-1226	231	4	emphasizing	emphasize	VERB
arjefm-1226	231	5	that	that	SCONJ
arjefm-1226	231	6	investment	investment	NOUN
arjefm-1226	231	7	diversification	diversification	NOUN
arjefm-1226	231	8	,	,	PUNCT
arjefm-1226	231	9	which	which	PRON
arjefm-1226	231	10	includes	include	VERB
arjefm-1226	231	11	managing	manage	VERB
arjefm-1226	231	12	a	a	DET
arjefm-1226	231	13	diverse	diverse	ADJ
arjefm-1226	231	14	deposit	deposit	NOUN
arjefm-1226	231	15	base	base	NOUN
arjefm-1226	231	16	,	,	PUNCT
arjefm-1226	231	17	significantly	significantly	ADV
arjefm-1226	231	18	improves	improve	VERB
arjefm-1226	231	19	financial	financial	ADJ
arjefm-1226	231	20	performance	performance	NOUN
arjefm-1226	231	21	.	.	PUNCT
arjefm-1226	232	1	also	also	ADV
arjefm-1226	232	2	,	,	PUNCT
arjefm-1226	232	3	ayodele	ayodele	PROPN
arjefm-1226	232	4	et	et	PROPN
arjefm-1226	232	5	al	al	PROPN
arjefm-1226	232	6	.	.	PROPN
arjefm-1226	233	1	(	(	PUNCT
arjefm-1226	233	2	2023	2023	NUM
arjefm-1226	233	3	)	)	PUNCT
arjefm-1226	233	4	found	find	VERB
arjefm-1226	233	5	that	that	SCONJ
arjefm-1226	233	6	deposit	deposit	NOUN
arjefm-1226	233	7	diversification	diversification	NOUN
arjefm-1226	233	8	had	have	VERB
arjefm-1226	233	9	a	a	DET
arjefm-1226	233	10	positive	positive	ADJ
arjefm-1226	233	11	effect	effect	NOUN
arjefm-1226	233	12	on	on	ADP
arjefm-1226	233	13	the	the	DET
arjefm-1226	233	14	financial	financial	ADJ
arjefm-1226	233	15	performance	performance	NOUN
arjefm-1226	233	16	of	of	ADP
arjefm-1226	233	17	nigerian	nigerian	ADJ
arjefm-1226	233	18	banks	bank	NOUN
arjefm-1226	233	19	.	.	PUNCT
arjefm-1226	234	1	on	on	ADP
arjefm-1226	234	2	the	the	DET
arjefm-1226	234	3	contrary	contrary	NOUN
arjefm-1226	234	4	,	,	PUNCT
arjefm-1226	234	5	studies	study	NOUN
arjefm-1226	234	6	by	by	ADP
arjefm-1226	234	7	obaro	obaro	NOUN
arjefm-1226	234	8	et	et	PROPN
arjefm-1226	234	9	al	al	PROPN
arjefm-1226	234	10	.	.	PROPN
arjefm-1226	234	11	(	(	PUNCT
arjefm-1226	234	12	2022	2022	NUM
arjefm-1226	234	13	)	)	PUNCT
arjefm-1226	234	14	noted	note	VERB
arjefm-1226	234	15	that	that	SCONJ
arjefm-1226	234	16	deposit	deposit	NOUN
arjefm-1226	234	17	diversification	diversification	NOUN
arjefm-1226	234	18	(	(	PUNCT
arjefm-1226	234	19	depd	depd	NOUN
arjefm-1226	234	20	)	)	PUNCT
arjefm-1226	234	21	had	have	VERB
arjefm-1226	234	22	a	a	DET
arjefm-1226	234	23	negative	negative	ADJ
arjefm-1226	234	24	effect	effect	NOUN
arjefm-1226	234	25	.	.	PUNCT
arjefm-1226	235	1	also	also	ADV
arjefm-1226	235	2	,	,	PUNCT
arjefm-1226	235	3	kamagoba	kamagoba	PROPN
arjefm-1226	235	4	and	and	CCONJ
arjefm-1226	235	5	irechukwu	irechukwu	PROPN
arjefm-1226	235	6	(	(	PUNCT
arjefm-1226	235	7	2023	2023	NUM
arjefm-1226	235	8	)	)	PUNCT
arjefm-1226	235	9	observed	observe	VERB
arjefm-1226	235	10	that	that	SCONJ
arjefm-1226	235	11	diversification	diversification	NOUN
arjefm-1226	235	12	strategies	strategy	NOUN
arjefm-1226	235	13	in	in	ADP
arjefm-1226	235	14	banks	bank	NOUN
arjefm-1226	235	15	should	should	AUX
arjefm-1226	235	16	be	be	AUX
arjefm-1226	235	17	carefully	carefully	ADV
arjefm-1226	235	18	managed	manage	VERB
arjefm-1226	235	19	,	,	PUNCT
arjefm-1226	235	20	indicating	indicate	VERB
arjefm-1226	235	21	that	that	SCONJ
arjefm-1226	235	22	the	the	DET
arjefm-1226	235	23	benefits	benefit	NOUN
arjefm-1226	235	24	of	of	ADP
arjefm-1226	235	25	deposit	deposit	NOUN
arjefm-1226	235	26	diversification	diversification	NOUN
arjefm-1226	235	27	may	may	AUX
arjefm-1226	235	28	be	be	AUX
arjefm-1226	235	29	contingent	contingent	ADJ
arjefm-1226	235	30	on	on	ADP
arjefm-1226	235	31	factors	factor	NOUN
arjefm-1226	235	32	such	such	ADJ
arjefm-1226	235	33	as	as	ADP
arjefm-1226	235	34	market	market	NOUN
arjefm-1226	235	35	conditions	condition	NOUN
arjefm-1226	235	36	and	and	CCONJ
arjefm-1226	235	37	the	the	DET
arjefm-1226	235	38	nature	nature	NOUN
arjefm-1226	235	39	of	of	ADP
arjefm-1226	235	40	customer	customer	NOUN
arjefm-1226	235	41	segments	segment	NOUN
arjefm-1226	235	42	.	.	PUNCT
arjefm-1226	236	1	invd	invd	ADJ
arjefm-1226	236	2	as	as	SCONJ
arjefm-1226	236	3	reported	report	VERB
arjefm-1226	236	4	in	in	ADP
arjefm-1226	236	5	table	table	NOUN
arjefm-1226	236	6	4	4	NUM
arjefm-1226	236	7	,	,	PUNCT
arjefm-1226	236	8	with	with	ADP
arjefm-1226	236	9	a	a	DET
arjefm-1226	236	10	coefficient	coefficient	NOUN
arjefm-1226	236	11	of	of	ADP
arjefm-1226	236	12	0.080841	0.080841	NUM
arjefm-1226	236	13	and	and	CCONJ
arjefm-1226	236	14	a	a	DET
arjefm-1226	236	15	p	p	NOUN
arjefm-1226	236	16	-	-	PUNCT
arjefm-1226	236	17	value	value	NOUN
arjefm-1226	236	18	of	of	ADP
arjefm-1226	236	19	0.9571	0.9571	NUM
arjefm-1226	236	20	,	,	PUNCT
arjefm-1226	236	21	shows	show	VERB
arjefm-1226	236	22	positive	positive	ADJ
arjefm-1226	236	23	but	but	CCONJ
arjefm-1226	236	24	statistically	statistically	ADV
arjefm-1226	236	25	insignificant	insignificant	ADJ
arjefm-1226	236	26	relationship	relationship	NOUN
arjefm-1226	236	27	with	with	ADP
arjefm-1226	236	28	operational	operational	ADJ
arjefm-1226	236	29	resilience	resilience	NOUN
arjefm-1226	236	30	.	.	PUNCT
arjefm-1226	237	1	this	this	PRON
arjefm-1226	237	2	implies	imply	VERB
arjefm-1226	237	3	that	that	SCONJ
arjefm-1226	237	4	diversifying	diversify	VERB
arjefm-1226	237	5	investments	investment	NOUN
arjefm-1226	237	6	alone	alone	ADV
arjefm-1226	237	7	may	may	AUX
arjefm-1226	237	8	not	not	PART
arjefm-1226	237	9	directly	directly	ADV
arjefm-1226	237	10	contribute	contribute	VERB
arjefm-1226	237	11	to	to	ADP
arjefm-1226	237	12	the	the	DET
arjefm-1226	237	13	stability	stability	NOUN
arjefm-1226	237	14	of	of	ADP
arjefm-1226	237	15	a	a	DET
arjefm-1226	237	16	bank	bank	NOUN
arjefm-1226	237	17	’s	’s	PART
arjefm-1226	237	18	operations	operation	NOUN
arjefm-1226	237	19	.	.	PUNCT
arjefm-1226	238	1	the	the	DET
arjefm-1226	238	2	finding	finding	NOUN
arjefm-1226	238	3	aligns	align	VERB
arjefm-1226	238	4	with	with	ADP
arjefm-1226	238	5	the	the	DET
arjefm-1226	238	6	findings	finding	NOUN
arjefm-1226	238	7	of	of	ADP
arjefm-1226	238	8	agbesuyi	agbesuyi	NOUN
arjefm-1226	238	9	et	et	PROPN
arjefm-1226	238	10	al	al	PROPN
arjefm-1226	238	11	.	.	PROPN
arjefm-1226	239	1	(	(	PUNCT
arjefm-1226	239	2	2023	2023	NUM
arjefm-1226	239	3	)	)	PUNCT
arjefm-1226	239	4	and	and	CCONJ
arjefm-1226	239	5	ayodele	ayodele	PROPN
arjefm-1226	239	6	et	et	PROPN
arjefm-1226	239	7	al	al	PROPN
arjefm-1226	239	8	.	.	PROPN
arjefm-1226	240	1	(	(	PUNCT
arjefm-1226	240	2	2023	2023	NUM
arjefm-1226	240	3	)	)	PUNCT
arjefm-1226	241	1	but	but	CCONJ
arjefm-1226	241	2	in	in	ADP
arjefm-1226	241	3	contrast	contrast	NOUN
arjefm-1226	241	4	with	with	ADP
arjefm-1226	241	5	the	the	DET
arjefm-1226	241	6	findings	finding	NOUN
arjefm-1226	241	7	of	of	ADP
arjefm-1226	241	8	obaro	obaro	NOUN
arjefm-1226	241	9	et	et	PROPN
arjefm-1226	241	10	al	al	PROPN
arjefm-1226	241	11	.	.	PROPN
arjefm-1226	242	1	(	(	PUNCT
arjefm-1226	242	2	2022	2022	NUM
arjefm-1226	242	3	)	)	PUNCT
arjefm-1226	242	4	and	and	CCONJ
arjefm-1226	242	5	kamagoba	kamagoba	PROPN
arjefm-1226	242	6	and	and	CCONJ
arjefm-1226	242	7	irechukwu	irechukwu	PROPN
arjefm-1226	242	8	(	(	PUNCT
arjefm-1226	242	9	2023	2023	NUM
arjefm-1226	242	10	)	)	PUNCT
arjefm-1226	242	11	.	.	PUNCT
arjefm-1226	243	1	as	as	SCONJ
arjefm-1226	243	2	indicated	indicate	VERB
arjefm-1226	243	3	in	in	ADP
arjefm-1226	243	4	table	table	NOUN
arjefm-1226	243	5	4	4	NUM
arjefm-1226	243	6	,	,	PUNCT
arjefm-1226	243	7	prod	prod	NOUN
arjefm-1226	243	8	has	have	VERB
arjefm-1226	243	9	a	a	DET
arjefm-1226	243	10	negative	negative	ADJ
arjefm-1226	243	11	significant	significant	ADJ
arjefm-1226	243	12	relationship	relationship	NOUN
arjefm-1226	243	13	with	with	ADP
arjefm-1226	243	14	oper	oper	NOUN
arjefm-1226	243	15	.	.	PUNCT
arjefm-1226	244	1	this	this	PRON
arjefm-1226	244	2	indicates	indicate	VERB
arjefm-1226	244	3	that	that	SCONJ
arjefm-1226	244	4	excessive	excessive	ADJ
arjefm-1226	244	5	diversification	diversification	NOUN
arjefm-1226	244	6	into	into	ADP
arjefm-1226	244	7	multiple	multiple	ADJ
arjefm-1226	244	8	product	product	NOUN
arjefm-1226	244	9	lines	line	NOUN
arjefm-1226	244	10	can	can	AUX
arjefm-1226	244	11	be	be	AUX
arjefm-1226	244	12	counterproductive	counterproductive	ADJ
arjefm-1226	244	13	,	,	PUNCT
arjefm-1226	244	14	potentially	potentially	ADV
arjefm-1226	244	15	diluting	dilute	VERB
arjefm-1226	244	16	managerial	managerial	ADJ
arjefm-1226	244	17	focus	focus	NOUN
arjefm-1226	244	18	,	,	PUNCT
arjefm-1226	244	19	overextending	overextend	VERB
arjefm-1226	244	20	resources	resource	NOUN
arjefm-1226	244	21	,	,	PUNCT
arjefm-1226	244	22	and	and	CCONJ
arjefm-1226	244	23	introducing	introduce	VERB
arjefm-1226	244	24	inefficiencies	inefficiency	NOUN
arjefm-1226	244	25	.	.	PUNCT
arjefm-1226	245	1	the	the	DET
arjefm-1226	245	2	significant	significant	ADJ
arjefm-1226	245	3	negative	negative	ADJ
arjefm-1226	245	4	relationship	relationship	NOUN
arjefm-1226	245	5	between	between	ADP
arjefm-1226	245	6	product	product	NOUN
arjefm-1226	245	7	diversification	diversification	NOUN
arjefm-1226	245	8	and	and	CCONJ
arjefm-1226	245	9	operational	operational	ADJ
arjefm-1226	245	10	resilience	resilience	NOUN
arjefm-1226	245	11	,	,	PUNCT
arjefm-1226	245	12	with	with	ADP
arjefm-1226	245	13	a	a	DET
arjefm-1226	245	14	coefficient	coefficient	NOUN
arjefm-1226	245	15	of	of	ADP
arjefm-1226	245	16	-0.341690	-0.341690	NOUN
arjefm-1226	245	17	and	and	CCONJ
arjefm-1226	245	18	a	a	DET
arjefm-1226	245	19	p	p	NOUN
arjefm-1226	245	20	-	-	PUNCT
arjefm-1226	245	21	value	value	NOUN
arjefm-1226	245	22	of	of	ADP
arjefm-1226	245	23	0.0111	0.0111	NUM
arjefm-1226	245	24	,	,	PUNCT
arjefm-1226	245	25	aligns	align	VERB
arjefm-1226	245	26	with	with	ADP
arjefm-1226	245	27	the	the	DET
arjefm-1226	245	28	findings	finding	NOUN
arjefm-1226	245	29	of	of	ADP
arjefm-1226	245	30	ezeana	ezeana	PROPN
arjefm-1226	245	31	,	,	PUNCT
arjefm-1226	245	32	et	et	PROPN
arjefm-1226	245	33	al	al	PROPN
arjefm-1226	245	34	(	(	PUNCT
arjefm-1226	245	35	2024	2024	NUM
arjefm-1226	245	36	)	)	PUNCT
arjefm-1226	245	37	;	;	PUNCT
arjefm-1226	245	38	agbesuyi	agbesuyi	PROPN
arjefm-1226	245	39	et	et	PROPN
arjefm-1226	245	40	al	al	PROPN
arjefm-1226	245	41	.	.	PROPN
arjefm-1226	246	1	(	(	PUNCT
arjefm-1226	246	2	2023	2023	NUM
arjefm-1226	246	3	)	)	PUNCT
arjefm-1226	246	4	and	and	CCONJ
arjefm-1226	246	5	amahalu	amahalu	NOUN
arjefm-1226	246	6	et	et	PROPN
arjefm-1226	246	7	al	al	PROPN
arjefm-1226	246	8	.	.	PROPN
arjefm-1226	247	1	(	(	PUNCT
arjefm-1226	247	2	2023	2023	NUM
arjefm-1226	247	3	)	)	PUNCT
arjefm-1226	247	4	emphasize	emphasize	VERB
arjefm-1226	247	5	the	the	DET
arjefm-1226	247	6	importance	importance	NOUN
arjefm-1226	247	7	of	of	ADP
arjefm-1226	247	8	aligning	align	VERB
arjefm-1226	247	9	diversification	diversification	NOUN
arjefm-1226	247	10	strategies	strategy	NOUN
arjefm-1226	247	11	with	with	ADP
arjefm-1226	247	12	the	the	DET
arjefm-1226	247	13	core	core	NOUN
arjefm-1226	247	14	competencies	competency	NOUN
arjefm-1226	247	15	of	of	ADP
arjefm-1226	247	16	an	an	DET
arjefm-1226	247	17	institution	institution	NOUN
arjefm-1226	247	18	to	to	PART
arjefm-1226	247	19	prevent	prevent	VERB
arjefm-1226	247	20	operational	operational	ADJ
arjefm-1226	247	21	strain	strain	NOUN
arjefm-1226	247	22	.	.	PUNCT
arjefm-1226	248	1	studies	study	NOUN
arjefm-1226	248	2	such	such	ADJ
arjefm-1226	248	3	as	as	ADP
arjefm-1226	248	4	kollie	kollie	NOUN
arjefm-1226	248	5	(	(	PUNCT
arjefm-1226	248	6	2024	2024	NUM
arjefm-1226	248	7	)	)	PUNCT
arjefm-1226	248	8	and	and	CCONJ
arjefm-1226	248	9	ezeana	ezeana	PROPN
arjefm-1226	248	10	et	et	PROPN
arjefm-1226	248	11	al	al	PROPN
arjefm-1226	248	12	.	.	PROPN
arjefm-1226	249	1	(	(	PUNCT
arjefm-1226	249	2	2024	2024	NUM
arjefm-1226	249	3	)	)	PUNCT
arjefm-1226	249	4	also	also	ADV
arjefm-1226	249	5	found	find	VERB
arjefm-1226	249	6	that	that	SCONJ
arjefm-1226	249	7	while	while	SCONJ
arjefm-1226	249	8	diversification	diversification	NOUN
arjefm-1226	249	9	can	can	AUX
arjefm-1226	249	10	enhance	enhance	VERB
arjefm-1226	249	11	performance	performance	NOUN
arjefm-1226	249	12	,	,	PUNCT
arjefm-1226	249	13	misaligned	misaligned	ADJ
arjefm-1226	249	14	diversification	diversification	NOUN
arjefm-1226	249	15	strategies	strategy	NOUN
arjefm-1226	249	16	,	,	PUNCT
arjefm-1226	249	17	such	such	ADJ
arjefm-1226	249	18	as	as	ADP
arjefm-1226	249	19	expanding	expand	VERB
arjefm-1226	249	20	into	into	ADP
arjefm-1226	249	21	non	non	ADJ
arjefm-1226	249	22	-	-	ADJ
arjefm-1226	249	23	core	core	ADJ
arjefm-1226	249	24	or	or	CCONJ
arjefm-1226	249	25	unfamiliar	unfamiliar	ADJ
arjefm-1226	249	26	product	product	NOUN
arjefm-1226	249	27	lines	line	NOUN
arjefm-1226	249	28	,	,	PUNCT
arjefm-1226	249	29	can	can	AUX
arjefm-1226	249	30	overwhelm	overwhelm	VERB
arjefm-1226	249	31	management	management	NOUN
arjefm-1226	249	32	and	and	CCONJ
arjefm-1226	249	33	operational	operational	ADJ
arjefm-1226	249	34	resources	resource	NOUN
arjefm-1226	249	35	,	,	PUNCT
arjefm-1226	249	36	leading	lead	VERB
arjefm-1226	249	37	to	to	ADP
arjefm-1226	249	38	decreased	decrease	VERB
arjefm-1226	249	39	resilience	resilience	NOUN
arjefm-1226	249	40	.	.	PUNCT
arjefm-1226	250	1	5.0	5.0	NUM
arjefm-1226	250	2	.	.	PUNCT
arjefm-1226	250	3	conclusion	conclusion	NOUN
arjefm-1226	250	4	and	and	CCONJ
arjefm-1226	250	5	policy	policy	NOUN
arjefm-1226	250	6	recommendations	recommendation	NOUN
arjefm-1226	250	7	the	the	DET
arjefm-1226	250	8	findings	finding	NOUN
arjefm-1226	250	9	from	from	ADP
arjefm-1226	250	10	this	this	DET
arjefm-1226	250	11	study	study	NOUN
arjefm-1226	250	12	demonstrate	demonstrate	VERB
arjefm-1226	250	13	that	that	SCONJ
arjefm-1226	250	14	asset	asset	NOUN
arjefm-1226	250	15	diversification	diversification	NOUN
arjefm-1226	250	16	and	and	CCONJ
arjefm-1226	250	17	deposit	deposit	NOUN
arjefm-1226	250	18	diversification	diversification	NOUN
arjefm-1226	250	19	exert	exert	VERB
arjefm-1226	250	20	a	a	DET
arjefm-1226	250	21	significant	significant	ADJ
arjefm-1226	250	22	positive	positive	ADJ
arjefm-1226	250	23	effect	effect	NOUN
arjefm-1226	250	24	on	on	ADP
arjefm-1226	250	25	operational	operational	ADJ
arjefm-1226	250	26	resilience	resilience	NOUN
arjefm-1226	250	27	,	,	PUNCT
arjefm-1226	250	28	with	with	ADP
arjefm-1226	250	29	deposit	deposit	NOUN
arjefm-1226	250	30	diversification	diversification	NOUN
arjefm-1226	250	31	having	have	VERB
arjefm-1226	250	32	the	the	DET
arjefm-1226	250	33	highest	high	ADJ
arjefm-1226	250	34	impact	impact	NOUN
arjefm-1226	250	35	.	.	PUNCT
arjefm-1226	251	1	in	in	ADP
arjefm-1226	251	2	contrast	contrast	NOUN
arjefm-1226	251	3	,	,	PUNCT
arjefm-1226	251	4	investment	investment	NOUN
arjefm-1226	251	5	diversification	diversification	NOUN
arjefm-1226	251	6	shows	show	VERB
arjefm-1226	251	7	no	no	DET
arjefm-1226	251	8	significant	significant	ADJ
arjefm-1226	251	9	effect	effect	NOUN
arjefm-1226	251	10	,	,	PUNCT
arjefm-1226	251	11	and	and	CCONJ
arjefm-1226	251	12	product	product	NOUN
arjefm-1226	251	13	diversification	diversification	NOUN
arjefm-1226	251	14	exerts	exert	VERB
arjefm-1226	251	15	a	a	DET
arjefm-1226	251	16	negative	negative	ADJ
arjefm-1226	251	17	but	but	CCONJ
arjefm-1226	251	18	statistically	statistically	ADV
arjefm-1226	251	19	significant	significant	ADJ
arjefm-1226	251	20	effect	effect	NOUN
arjefm-1226	251	21	,	,	PUNCT
arjefm-1226	251	22	implying	imply	VERB
arjefm-1226	251	23	that	that	SCONJ
arjefm-1226	251	24	an	an	DET
arjefm-1226	251	25	expanded	expand	VERB
arjefm-1226	251	26	product	product	NOUN
arjefm-1226	251	27	mix	mix	NOUN
arjefm-1226	251	28	may	may	AUX
arjefm-1226	251	29	introduce	introduce	VERB
arjefm-1226	251	30	inefficiencies	inefficiency	NOUN
arjefm-1226	251	31	or	or	CCONJ
arjefm-1226	251	32	vulnerabilities	vulnerability	NOUN
arjefm-1226	251	33	.	.	PUNCT
arjefm-1226	252	1	while	while	SCONJ
arjefm-1226	252	2	the	the	DET
arjefm-1226	252	3	study	study	NOUN
arjefm-1226	252	4	reveals	reveal	VERB
arjefm-1226	252	5	a	a	DET
arjefm-1226	252	6	mixed	mixed	ADJ
arjefm-1226	252	7	effect	effect	NOUN
arjefm-1226	252	8	of	of	ADP
arjefm-1226	252	9	diversification	diversification	NOUN
arjefm-1226	252	10	strategies	strategy	NOUN
arjefm-1226	252	11	on	on	ADP
arjefm-1226	252	12	operational	operational	ADJ
arjefm-1226	252	13	resilience	resilience	NOUN
arjefm-1226	252	14	,	,	PUNCT
arjefm-1226	252	15	it	it	PRON
arjefm-1226	252	16	concludes	conclude	VERB
arjefm-1226	252	17	that	that	SCONJ
arjefm-1226	252	18	banks	bank	NOUN
arjefm-1226	252	19	in	in	ADP
arjefm-1226	252	20	nigeria	nigeria	PROPN
arjefm-1226	252	21	can	can	AUX
arjefm-1226	252	22	benefit	benefit	VERB
arjefm-1226	252	23	from	from	ADP
arjefm-1226	252	24	strategic	strategic	ADJ
arjefm-1226	252	25	diversification	diversification	NOUN
arjefm-1226	252	26	,	,	PUNCT
arjefm-1226	252	27	particularly	particularly	ADV
arjefm-1226	252	28	in	in	ADP
arjefm-1226	252	29	assets	asset	NOUN
arjefm-1226	252	30	and	and	CCONJ
arjefm-1226	252	31	deposits	deposit	NOUN
arjefm-1226	252	32	,	,	PUNCT
arjefm-1226	252	33	to	to	PART
arjefm-1226	252	34	enhance	enhance	VERB
arjefm-1226	252	35	their	their	PRON
arjefm-1226	252	36	operational	operational	ADJ
arjefm-1226	252	37	resilience	resilience	NOUN
arjefm-1226	252	38	.	.	PUNCT
arjefm-1226	253	1	however	however	ADV
arjefm-1226	253	2	,	,	PUNCT
arjefm-1226	253	3	careful	careful	ADJ
arjefm-1226	253	4	attention	attention	NOUN
arjefm-1226	253	5	must	must	AUX
arjefm-1226	253	6	be	be	AUX
arjefm-1226	253	7	paid	pay	VERB
arjefm-1226	253	8	to	to	PART
arjefm-1226	253	9	product	product	VERB
arjefm-1226	253	10	diversification	diversification	NOUN
arjefm-1226	253	11	to	to	PART
arjefm-1226	253	12	mitigate	mitigate	VERB
arjefm-1226	253	13	potential	potential	ADJ
arjefm-1226	253	14	adverse	adverse	ADJ
arjefm-1226	253	15	effects	effect	NOUN
arjefm-1226	253	16	.	.	PUNCT
arjefm-1226	254	1	this	this	PRON
arjefm-1226	254	2	underscores	underscore	VERB
arjefm-1226	254	3	the	the	DET
arjefm-1226	254	4	importance	importance	NOUN
arjefm-1226	254	5	of	of	ADP
arjefm-1226	254	6	a	a	DET
arjefm-1226	254	7	balanced	balanced	ADJ
arjefm-1226	254	8	and	and	CCONJ
arjefm-1226	254	9	well	well	ADV
arjefm-1226	254	10	-	-	PUNCT
arjefm-1226	254	11	planned	plan	VERB
arjefm-1226	254	12	diversification	diversification	NOUN
arjefm-1226	254	13	approach	approach	NOUN
arjefm-1226	254	14	for	for	ADP
arjefm-1226	254	15	optimal	optimal	ADJ
arjefm-1226	254	16	bank	bank	NOUN
arjefm-1226	254	17	performance	performance	NOUN
arjefm-1226	254	18	in	in	ADP
arjefm-1226	254	19	nigeria	nigeria	PROPN
arjefm-1226	254	20	.	.	PUNCT
arjefm-1226	255	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	255	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	256	1	american	american	PROPN
arjefm-1226	256	2	research	research	PROPN
arjefm-1226	256	3	journal	journal	PROPN
arjefm-1226	256	4	of	of	ADP
arjefm-1226	256	5	economics	economic	NOUN
arjefm-1226	256	6	,	,	PUNCT
arjefm-1226	256	7	finance	finance	NOUN
arjefm-1226	256	8	and	and	CCONJ
arjefm-1226	256	9	management	management	NOUN
arjefm-1226	256	10	volume	volume	NOUN
arjefm-1226	256	11	13	13	NUM
arjefm-1226	256	12	issue	issue	NOUN
arjefm-1226	256	13	3	3	NUM
arjefm-1226	256	14	,	,	PUNCT
arjefm-1226	256	15	july	july	PROPN
arjefm-1226	256	16	-	-	PUNCT
arjefm-1226	256	17	september	september	PROPN
arjefm-1226	256	18	2025	2025	NUM
arjefm-1226	256	19	issn	issn	NOUN
arjefm-1226	256	20	:	:	PUNCT
arjefm-1226	256	21	2836	2836	NUM
arjefm-1226	256	22	-	-	SYM
arjefm-1226	256	23	9416	9416	NUM
arjefm-1226	256	24	impact	impact	NOUN
arjefm-1226	256	25	factor	factor	NOUN
arjefm-1226	256	26	:	:	PUNCT
arjefm-1226	256	27	6.41	6.41	NUM
arjefm-1226	256	28	journal	journal	NOUN
arjefm-1226	256	29	homepage	homepage	NOUN
arjefm-1226	256	30	:	:	PUNCT
arjefm-1226	256	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	256	32	email	email	NOUN
arjefm-1226	256	33	:	:	PUNCT
arjefm-1226	256	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	256	35	official	official	ADJ
arjefm-1226	256	36	journal	journal	PROPN
arjefm-1226	256	37	of	of	ADP
arjefm-1226	256	38	america	america	PROPN
arjefm-1226	256	39	serial	serial	PROPN
arjefm-1226	256	40	publication	publication	NOUN
arjefm-1226	256	41	american	american	PROPN
arjefm-1226	256	42	research	research	PROPN
arjefm-1226	256	43	journal	journal	PROPN
arjefm-1226	256	44	of	of	ADP
arjefm-1226	256	45	economics	economic	NOUN
arjefm-1226	256	46	,	,	PUNCT
arjefm-1226	256	47	finance	finance	NOUN
arjefm-1226	256	48	and	and	CCONJ
arjefm-1226	256	49	management	management	NOUN
arjefm-1226	256	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	256	51	,	,	PUNCT
arjefm-1226	256	52	email	email	NOUN
arjefm-1226	256	53	:	:	PUNCT
arjefm-1226	256	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	257	1	35	35	NUM
arjefm-1226	258	1	|	|	ADV
arjefm-1226	258	2	p	p	NOUN
arjefm-1226	258	3	a	a	DET
arjefm-1226	258	4	g	g	NOUN
arjefm-1226	258	5	e	e	NOUN
arjefm-1226	258	6	arising	arise	VERB
arjefm-1226	258	7	from	from	ADP
arjefm-1226	258	8	the	the	DET
arjefm-1226	258	9	findings	finding	NOUN
arjefm-1226	258	10	of	of	ADP
arjefm-1226	258	11	the	the	DET
arjefm-1226	258	12	study	study	NOUN
arjefm-1226	258	13	,	,	PUNCT
arjefm-1226	258	14	we	we	PRON
arjefm-1226	258	15	recommended	recommend	VERB
arjefm-1226	258	16	that	that	SCONJ
arjefm-1226	258	17	banks	bank	NOUN
arjefm-1226	258	18	should	should	AUX
arjefm-1226	258	19	continue	continue	VERB
arjefm-1226	258	20	to	to	PART
arjefm-1226	258	21	diversify	diversify	VERB
arjefm-1226	258	22	their	their	PRON
arjefm-1226	258	23	asset	asset	NOUN
arjefm-1226	258	24	portfolios	portfolio	NOUN
arjefm-1226	258	25	by	by	ADP
arjefm-1226	258	26	investing	invest	VERB
arjefm-1226	258	27	in	in	ADP
arjefm-1226	258	28	a	a	DET
arjefm-1226	258	29	variety	variety	NOUN
arjefm-1226	258	30	of	of	ADP
arjefm-1226	258	31	high	high	ADV
arjefm-1226	258	32	-	-	PUNCT
arjefm-1226	258	33	performing	perform	VERB
arjefm-1226	258	34	and	and	CCONJ
arjefm-1226	258	35	low	low	ADJ
arjefm-1226	258	36	-	-	PUNCT
arjefm-1226	258	37	risk	risk	NOUN
arjefm-1226	258	38	asset	asset	NOUN
arjefm-1226	258	39	classes	class	NOUN
arjefm-1226	258	40	.	.	PUNCT
arjefm-1226	259	1	this	this	PRON
arjefm-1226	259	2	can	can	AUX
arjefm-1226	259	3	include	include	VERB
arjefm-1226	259	4	a	a	DET
arjefm-1226	259	5	balanced	balanced	ADJ
arjefm-1226	259	6	mix	mix	NOUN
arjefm-1226	259	7	of	of	ADP
arjefm-1226	259	8	loans	loan	NOUN
arjefm-1226	259	9	,	,	PUNCT
arjefm-1226	259	10	securities	security	NOUN
arjefm-1226	259	11	,	,	PUNCT
arjefm-1226	259	12	and	and	CCONJ
arjefm-1226	259	13	other	other	ADJ
arjefm-1226	259	14	income	income	NOUN
arjefm-1226	259	15	-	-	PUNCT
arjefm-1226	259	16	generating	generate	VERB
arjefm-1226	259	17	assets	asset	NOUN
arjefm-1226	259	18	to	to	PART
arjefm-1226	259	19	enhance	enhance	VERB
arjefm-1226	259	20	operational	operational	ADJ
arjefm-1226	259	21	resilience	resilience	NOUN
arjefm-1226	259	22	and	and	CCONJ
arjefm-1226	259	23	reduce	reduce	VERB
arjefm-1226	259	24	exposure	exposure	NOUN
arjefm-1226	259	25	to	to	ADP
arjefm-1226	259	26	specific	specific	ADJ
arjefm-1226	259	27	risks	risk	NOUN
arjefm-1226	259	28	.	.	PUNCT
arjefm-1226	260	1	also	also	ADV
arjefm-1226	260	2	,	,	PUNCT
arjefm-1226	260	3	nigerian	nigerian	ADJ
arjefm-1226	260	4	banks	bank	NOUN
arjefm-1226	260	5	should	should	AUX
arjefm-1226	260	6	focus	focus	VERB
arjefm-1226	260	7	on	on	ADP
arjefm-1226	260	8	expanding	expand	VERB
arjefm-1226	260	9	their	their	PRON
arjefm-1226	260	10	deposit	deposit	NOUN
arjefm-1226	260	11	base	base	NOUN
arjefm-1226	260	12	by	by	ADP
arjefm-1226	260	13	introducing	introduce	VERB
arjefm-1226	260	14	innovative	innovative	ADJ
arjefm-1226	260	15	products	product	NOUN
arjefm-1226	260	16	and	and	CCONJ
arjefm-1226	260	17	targeting	target	VERB
arjefm-1226	260	18	diverse	diverse	ADJ
arjefm-1226	260	19	customer	customer	NOUN
arjefm-1226	260	20	segments	segment	NOUN
arjefm-1226	260	21	,	,	PUNCT
arjefm-1226	260	22	regions	region	NOUN
arjefm-1226	260	23	,	,	PUNCT
arjefm-1226	260	24	and	and	CCONJ
arjefm-1226	260	25	industries	industry	NOUN
arjefm-1226	260	26	.	.	PUNCT
arjefm-1226	261	1	references	reference	NOUN
arjefm-1226	261	2	abuh	abuh	VERB
arjefm-1226	261	3	,	,	PUNCT
arjefm-1226	261	4	a.	a.	PROPN
arjefm-1226	261	5	p.	p.	PROPN
arjefm-1226	261	6	&	&	CCONJ
arjefm-1226	261	7	echukwu	echukwu	PROPN
arjefm-1226	261	8	,	,	PUNCT
arjefm-1226	261	9	i.	i.	PROPN
arjefm-1226	261	10	j.	j.	PROPN
arjefm-1226	261	11	(	(	PUNCT
arjefm-1226	261	12	2020	2020	NUM
arjefm-1226	261	13	)	)	PUNCT
arjefm-1226	261	14	.	.	PUNCT
arjefm-1226	262	1	diversification	diversification	NOUN
arjefm-1226	262	2	strategy	strategy	NOUN
arjefm-1226	262	3	and	and	CCONJ
arjefm-1226	262	4	performance	performance	NOUN
arjefm-1226	262	5	of	of	ADP
arjefm-1226	262	6	manufacturing	manufacturing	NOUN
arjefm-1226	262	7	firms	firm	NOUN
arjefm-1226	262	8	in	in	ADP
arjefm-1226	262	9	nigeria	nigeria	PROPN
arjefm-1226	262	10	.	.	PUNCT
arjefm-1226	263	1	international	international	ADJ
arjefm-1226	263	2	journal	journal	PROPN
arjefm-1226	263	3	of	of	ADP
arjefm-1226	263	4	public	public	ADJ
arjefm-1226	263	5	administration	administration	NOUN
arjefm-1226	263	6	and	and	CCONJ
arjefm-1226	263	7	management	management	NOUN
arjefm-1226	263	8	research	research	NOUN
arjefm-1226	263	9	(	(	PUNCT
arjefm-1226	263	10	ijpamr	ijpamr	NOUN
arjefm-1226	263	11	)	)	PUNCT
arjefm-1226	263	12	,	,	PUNCT
arjefm-1226	263	13	5(4	5(4	NUM
arjefm-1226	263	14	)	)	PUNCT
arjefm-1226	263	15	,	,	PUNCT
arjefm-1226	263	16	54	54	NUM
arjefm-1226	263	17	-	-	SYM
arjefm-1226	263	18	67	67	NUM
arjefm-1226	263	19	.	.	PUNCT
arjefm-1226	264	1	agbesuyi	agbesuyi	ADJ
arjefm-1226	264	2	,	,	PUNCT
arjefm-1226	264	3	o.	o.	PROPN
arjefm-1226	264	4	k.	k.	PROPN
arjefm-1226	264	5	,	,	PUNCT
arjefm-1226	264	6	samuel	samuel	PROPN
arjefm-1226	264	7	,	,	PUNCT
arjefm-1226	264	8	o.	o.	PROPN
arjefm-1226	264	9	e.	e.	PROPN
arjefm-1226	264	10	,	,	PUNCT
arjefm-1226	264	11	olumuyiwa	olumuyiwa	PROPN
arjefm-1226	264	12	,	,	PUNCT
arjefm-1226	264	13	o.	o.	PROPN
arjefm-1226	264	14	&	&	CCONJ
arjefm-1226	264	15	adeuja	adeuja	PROPN
arjefm-1226	264	16	,	,	PUNCT
arjefm-1226	264	17	n.	n.	PROPN
arjefm-1226	264	18	(	(	PUNCT
arjefm-1226	264	19	2023	2023	NUM
arjefm-1226	264	20	)	)	PUNCT
arjefm-1226	264	21	.	.	PUNCT
arjefm-1226	265	1	effect	effect	NOUN
arjefm-1226	265	2	of	of	ADP
arjefm-1226	265	3	investment	investment	NOUN
arjefm-1226	265	4	diversification	diversification	NOUN
arjefm-1226	265	5	on	on	ADP
arjefm-1226	265	6	nigerian	nigerian	ADJ
arjefm-1226	265	7	bank	bank	NOUN
arjefm-1226	265	8	performance	performance	NOUN
arjefm-1226	265	9	.	.	PUNCT
arjefm-1226	266	1	african	african	ADJ
arjefm-1226	266	2	development	development	PROPN
arjefm-1226	266	3	finance	finance	PROPN
arjefm-1226	266	4	journal	journal	NOUN
arjefm-1226	266	5	,	,	PUNCT
arjefm-1226	266	6	6(1	6(1	NUM
arjefm-1226	266	7	)	)	PUNCT
arjefm-1226	266	8	,	,	PUNCT
arjefm-1226	266	9	176	176	NUM
arjefm-1226	266	10	-	-	SYM
arjefm-1226	266	11	195	195	NUM
arjefm-1226	266	12	.	.	PUNCT
arjefm-1226	267	1	http://journals.uonbi.ac.ke/index.php/adfj	http://journals.uonbi.ac.ke/index.php/adfj	PROPN
arjefm-1226	267	2	.	.	PUNCT
arjefm-1226	268	1	amahalu	amahalu	PROPN
arjefm-1226	268	2	,	,	PUNCT
arjefm-1226	268	3	n.n	n.n	PROPN
arjefm-1226	268	4	,	,	PUNCT
arjefm-1226	268	5	okudo	okudo	NOUN
arjefm-1226	268	6	,	,	PUNCT
arjefm-1226	268	7	c.	c.	PROPN
arjefm-1226	268	8	c.	c.	PROPN
arjefm-1226	268	9	&	&	CCONJ
arjefm-1226	268	10	ezechukwu	ezechukwu	PROPN
arjefm-1226	268	11	,	,	PUNCT
arjefm-1226	268	12	b.	b.	PROPN
arjefm-1226	268	13	o.	o.	PROPN
arjefm-1226	268	14	(	(	PUNCT
arjefm-1226	268	15	2023	2023	NUM
arjefm-1226	268	16	)	)	PUNCT
arjefm-1226	268	17	.	.	PUNCT
arjefm-1226	269	1	diversification	diversification	NOUN
arjefm-1226	269	2	and	and	CCONJ
arjefm-1226	269	3	financial	financial	ADJ
arjefm-1226	269	4	performance	performance	NOUN
arjefm-1226	269	5	of	of	ADP
arjefm-1226	269	6	quoted	quote	VERB
arjefm-1226	269	7	commercial	commercial	ADJ
arjefm-1226	269	8	banks	bank	NOUN
arjefm-1226	269	9	in	in	ADP
arjefm-1226	269	10	nigeria	nigeria	PROPN
arjefm-1226	269	11	.	.	PUNCT
arjefm-1226	270	1	international	international	ADJ
arjefm-1226	270	2	journal	journal	PROPN
arjefm-1226	270	3	of	of	ADP
arjefm-1226	270	4	management	management	NOUN
arjefm-1226	270	5	studies	study	NOUN
arjefm-1226	270	6	and	and	CCONJ
arjefm-1226	270	7	social	social	ADJ
arjefm-1226	270	8	science	science	NOUN
arjefm-1226	270	9	research	research	NOUN
arjefm-1226	270	10	,	,	PUNCT
arjefm-1226	270	11	5(3	5(3	NUM
arjefm-1226	270	12	)	)	PUNCT
arjefm-1226	270	13	,	,	PUNCT
arjefm-1226	270	14	396	396	NUM
arjefm-1226	270	15	-	-	SYM
arjefm-1226	270	16	406	406	NUM
arjefm-1226	270	17	.	.	PUNCT
arjefm-1226	271	1	asemota	asemota	NOUN
arjefm-1226	271	2	,	,	PUNCT
arjefm-1226	271	3	g.	g.	PROPN
arjefm-1226	271	4	o.	o.	PROPN
arjefm-1226	271	5	&	&	CCONJ
arjefm-1226	271	6	ogedengbe	ogedengbe	PROPN
arjefm-1226	271	7	,	,	PUNCT
arjefm-1226	271	8	e.	e.	PROPN
arjefm-1226	271	9	d.	d.	PROPN
arjefm-1226	271	10	(	(	PUNCT
arjefm-1226	271	11	2023	2023	NUM
arjefm-1226	271	12	)	)	PUNCT
arjefm-1226	271	13	.	.	PUNCT
arjefm-1226	272	1	corporate	corporate	ADJ
arjefm-1226	272	2	diversification	diversification	NOUN
arjefm-1226	272	3	and	and	CCONJ
arjefm-1226	272	4	firm	firm	ADJ
arjefm-1226	272	5	performance	performance	NOUN
arjefm-1226	272	6	:	:	PUNCT
arjefm-1226	272	7	evidence	evidence	NOUN
arjefm-1226	272	8	from	from	ADP
arjefm-1226	272	9	the	the	DET
arjefm-1226	272	10	nigerian	nigerian	ADJ
arjefm-1226	272	11	banking	banking	NOUN
arjefm-1226	272	12	sector	sector	NOUN
arjefm-1226	272	13	.	.	PUNCT
arjefm-1226	273	1	journal	journal	PROPN
arjefm-1226	273	2	of	of	ADP
arjefm-1226	273	3	technology	technology	NOUN
arjefm-1226	273	4	management	management	NOUN
arjefm-1226	273	5	and	and	CCONJ
arjefm-1226	273	6	business	business	NOUN
arjefm-1226	273	7	,	,	PUNCT
arjefm-1226	273	8	10(1	10(1	NUM
arjefm-1226	273	9	)	)	PUNCT
arjefm-1226	273	10	,	,	PUNCT
arjefm-1226	273	11	6578	6578	NUM
arjefm-1226	273	12	.	.	PUNCT
arjefm-1226	274	1	doi	doi	NOUN
arjefm-1226	274	2	:	:	PUNCT
arjefm-1226	274	3	https://doi.org/10.30880/jtmb.2023.10.01.006	https://doi.org/10.30880/jtmb.2023.10.01.006	X
arjefm-1226	274	4	ayodele	ayodele	PROPN
arjefm-1226	274	5	,	,	PUNCT
arjefm-1226	274	6	t.	t.	PROPN
arjefm-1226	274	7	d.	d.	PROPN
arjefm-1226	274	8	,	,	PUNCT
arjefm-1226	274	9	olagunju	olagunju	PROPN
arjefm-1226	274	10	,	,	PUNCT
arjefm-1226	274	11	i.	i.	PROPN
arjefm-1226	274	12	l.	l.	PROPN
arjefm-1226	274	13	,	,	PUNCT
arjefm-1226	274	14	akintayo	akintayo	PROPN
arjefm-1226	274	15	,	,	PUNCT
arjefm-1226	274	16	a.	a.	NOUN
arjefm-1226	274	17	,	,	PUNCT
arjefm-1226	274	18	abdulrahman	abdulrahman	PROPN
arjefm-1226	274	19	o.	o.	PROPN
arjefm-1226	274	20	s.	s.	PROPN
arjefm-1226	274	21	(	(	PUNCT
arjefm-1226	274	22	2023	2023	NUM
arjefm-1226	274	23	)	)	PUNCT
arjefm-1226	274	24	.	.	PUNCT
arjefm-1226	275	1	effect	effect	NOUN
arjefm-1226	275	2	of	of	ADP
arjefm-1226	275	3	portfolio	portfolio	NOUN
arjefm-1226	275	4	diversification	diversification	NOUN
arjefm-1226	275	5	on	on	ADP
arjefm-1226	275	6	financial	financial	ADJ
arjefm-1226	275	7	performance	performance	NOUN
arjefm-1226	275	8	of	of	ADP
arjefm-1226	275	9	deposit	deposit	NOUN
arjefm-1226	275	10	money	money	NOUN
arjefm-1226	275	11	banks	bank	NOUN
arjefm-1226	275	12	(	(	PUNCT
arjefm-1226	275	13	dmbs	dmb	NOUN
arjefm-1226	275	14	)	)	PUNCT
arjefm-1226	275	15	in	in	ADP
arjefm-1226	275	16	nigeria	nigeria	PROPN
arjefm-1226	275	17	.	.	PUNCT
arjefm-1226	276	1	international	international	ADJ
arjefm-1226	276	2	journal	journal	PROPN
arjefm-1226	276	3	of	of	ADP
arjefm-1226	276	4	scientific	scientific	ADJ
arjefm-1226	276	5	research	research	NOUN
arjefm-1226	276	6	and	and	CCONJ
arjefm-1226	276	7	engineering	engineering	NOUN
arjefm-1226	276	8	development	development	NOUN
arjefm-1226	276	9	,	,	PUNCT
arjefm-1226	276	10	6(6	6(6	NOUN
arjefm-1226	276	11	)	)	PUNCT
arjefm-1226	276	12	,	,	PUNCT
arjefm-1226	276	13	290	290	NUM
arjefm-1226	276	14	-	-	SYM
arjefm-1226	276	15	301	301	NUM
arjefm-1226	276	16	.	.	PUNCT
arjefm-1226	277	1	basel	basel	PROPN
arjefm-1226	277	2	committee	committee	PROPN
arjefm-1226	277	3	on	on	ADP
arjefm-1226	277	4	banking	banking	NOUN
arjefm-1226	277	5	supervision	supervision	NOUN
arjefm-1226	277	6	.	.	PUNCT
arjefm-1226	278	1	(	(	PUNCT
arjefm-1226	278	2	2014	2014	NUM
arjefm-1226	278	3	)	)	PUNCT
arjefm-1226	278	4	.	.	PUNCT
arjefm-1226	279	1	supervisory	supervisory	ADJ
arjefm-1226	279	2	framework	framework	NOUN
arjefm-1226	279	3	for	for	ADP
arjefm-1226	279	4	measuring	measure	VERB
arjefm-1226	279	5	and	and	CCONJ
arjefm-1226	279	6	controlling	control	VERB
arjefm-1226	279	7	large	large	ADJ
arjefm-1226	279	8	exposures	exposure	NOUN
arjefm-1226	279	9	.	.	PUNCT
arjefm-1226	280	1	available	available	ADJ
arjefm-1226	280	2	at	at	ADP
arjefm-1226	280	3	:	:	PUNCT
arjefm-1226	280	4	http://www.bis.org/publ/bcbs283	http://www.bis.org/publ/bcbs283	PROPN
arjefm-1226	280	5	.	.	PROPN
arjefm-1226	280	6	erhijakpor	erhijakpor	PROPN
arjefm-1226	280	7	,	,	PUNCT
arjefm-1226	280	8	a.	a.	PROPN
arjefm-1226	280	9	e.	e.	PROPN
arjefm-1226	280	10	o.	o.	PROPN
arjefm-1226	280	11	&	&	CCONJ
arjefm-1226	280	12	eyamu	eyamu	PROPN
arjefm-1226	280	13	,	,	PUNCT
arjefm-1226	280	14	f.	f.	PROPN
arjefm-1226	280	15	o.	o.	PROPN
arjefm-1226	280	16	(	(	PUNCT
arjefm-1226	280	17	2025	2025	NUM
arjefm-1226	280	18	)	)	PUNCT
arjefm-1226	280	19	.	.	PUNCT
arjefm-1226	281	1	financial	financial	ADJ
arjefm-1226	281	2	institutions	institution	NOUN
arjefm-1226	281	3	’	'	PUNCT
arjefm-1226	281	4	regulation	regulation	NOUN
arjefm-1226	281	5	,	,	PUNCT
arjefm-1226	281	6	banking	banking	NOUN
arjefm-1226	281	7	sector	sector	NOUN
arjefm-1226	281	8	competitiveness	competitiveness	NOUN
arjefm-1226	281	9	and	and	CCONJ
arjefm-1226	281	10	stability	stability	NOUN
arjefm-1226	281	11	of	of	ADP
arjefm-1226	281	12	the	the	DET
arjefm-1226	281	13	banking	banking	NOUN
arjefm-1226	281	14	sector	sector	NOUN
arjefm-1226	281	15	in	in	ADP
arjefm-1226	281	16	nigeria	nigeria	PROPN
arjefm-1226	281	17	.	.	PUNCT
arjefm-1226	282	1	journal	journal	PROPN
arjefm-1226	282	2	of	of	ADP
arjefm-1226	282	3	accounting	accounting	NOUN
arjefm-1226	282	4	,	,	PUNCT
arjefm-1226	282	5	finance	finance	NOUN
arjefm-1226	282	6	and	and	CCONJ
arjefm-1226	282	7	fintech	fintech	NOUN
arjefm-1226	282	8	advancements	advancement	NOUN
arjefm-1226	282	9	,	,	PUNCT
arjefm-1226	282	10	1(1	1(1	NUM
arjefm-1226	282	11	)	)	PUNCT
arjefm-1226	282	12	,	,	PUNCT
arjefm-1226	282	13	1	1	NUM
arjefm-1226	282	14	-	-	SYM
arjefm-1226	282	15	12	12	NUM
arjefm-1226	282	16	.	.	PUNCT
arjefm-1226	283	1	eyamu	eyamu	PROPN
arjefm-1226	283	2	,	,	PUNCT
arjefm-1226	283	3	e.o	e.o	PROPN
arjefm-1226	283	4	.	.	PROPN
arjefm-1226	283	5	&	&	CCONJ
arjefm-1226	283	6	onuorah	onuorah	PROPN
arjefm-1226	283	7	,	,	PUNCT
arjefm-1226	283	8	a.c	a.c	PROPN
arjefm-1226	283	9	.	.	PROPN
arjefm-1226	283	10	(	(	PUNCT
arjefm-1226	283	11	2024	2024	NUM
arjefm-1226	283	12	)	)	PUNCT
arjefm-1226	283	13	.	.	PUNCT
arjefm-1226	284	1	cash	cash	NOUN
arjefm-1226	284	2	flow	flow	NOUN
arjefm-1226	284	3	management	management	NOUN
arjefm-1226	284	4	and	and	CCONJ
arjefm-1226	284	5	operating	operating	NOUN
arjefm-1226	284	6	efficiency	efficiency	NOUN
arjefm-1226	284	7	of	of	ADP
arjefm-1226	284	8	listed	list	VERB
arjefm-1226	284	9	oil	oil	NOUN
arjefm-1226	284	10	and	and	CCONJ
arjefm-1226	284	11	gas	gas	NOUN
arjefm-1226	284	12	companies	company	NOUN
arjefm-1226	284	13	in	in	ADP
arjefm-1226	284	14	nigeria	nigeria	PROPN
arjefm-1226	284	15	.	.	PUNCT
arjefm-1226	285	1	british	british	PROPN
arjefm-1226	285	2	international	international	PROPN
arjefm-1226	285	3	journal	journal	PROPN
arjefm-1226	285	4	of	of	ADP
arjefm-1226	285	5	applied	apply	VERB
arjefm-1226	285	6	economics	economic	NOUN
arjefm-1226	285	7	,	,	PUNCT
arjefm-1226	285	8	finance	finance	NOUN
arjefm-1226	285	9	and	and	CCONJ
arjefm-1226	285	10	accounting	accounting	NOUN
arjefm-1226	285	11	,	,	PUNCT
arjefm-1226	285	12	8(5	8(5	NUM
arjefm-1226	285	13	)	)	PUNCT
arjefm-1226	285	14	,	,	PUNCT
arjefm-1226	285	15	70	70	NUM
arjefm-1226	285	16	-	-	SYM
arjefm-1226	285	17	88	88	NUM
arjefm-1226	285	18	.	.	PUNCT
arjefm-1226	286	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	287	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	287	2	http://journals.uonbi.ac.ke/index.php/adfj	http://journals.uonbi.ac.ke/index.php/adfj	PROPN
arjefm-1226	287	3	https://doi.org/10.30880/jtmb.2023.10.01.006	https://doi.org/10.30880/jtmb.2023.10.01.006	X
arjefm-1226	287	4	http://www.bis.org/publ/bcbs283	http://www.bis.org/publ/bcbs283	PROPN
arjefm-1226	287	5	american	american	ADJ
arjefm-1226	287	6	research	research	NOUN
arjefm-1226	287	7	journal	journal	PROPN
arjefm-1226	287	8	of	of	ADP
arjefm-1226	287	9	economics	economic	NOUN
arjefm-1226	287	10	,	,	PUNCT
arjefm-1226	287	11	finance	finance	NOUN
arjefm-1226	287	12	and	and	CCONJ
arjefm-1226	287	13	management	management	NOUN
arjefm-1226	287	14	volume	volume	NOUN
arjefm-1226	287	15	13	13	NUM
arjefm-1226	287	16	issue	issue	NOUN
arjefm-1226	287	17	3	3	NUM
arjefm-1226	287	18	,	,	PUNCT
arjefm-1226	287	19	july	july	PROPN
arjefm-1226	287	20	-	-	PUNCT
arjefm-1226	287	21	september	september	PROPN
arjefm-1226	287	22	2025	2025	NUM
arjefm-1226	287	23	issn	issn	NOUN
arjefm-1226	287	24	:	:	PUNCT
arjefm-1226	287	25	2836	2836	NUM
arjefm-1226	287	26	-	-	SYM
arjefm-1226	287	27	9416	9416	NUM
arjefm-1226	287	28	impact	impact	NOUN
arjefm-1226	287	29	factor	factor	NOUN
arjefm-1226	287	30	:	:	PUNCT
arjefm-1226	287	31	6.41	6.41	NUM
arjefm-1226	287	32	journal	journal	NOUN
arjefm-1226	287	33	homepage	homepage	NOUN
arjefm-1226	287	34	:	:	PUNCT
arjefm-1226	287	35	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	287	36	email	email	NOUN
arjefm-1226	287	37	:	:	PUNCT
arjefm-1226	287	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	287	39	official	official	ADJ
arjefm-1226	287	40	journal	journal	PROPN
arjefm-1226	287	41	of	of	ADP
arjefm-1226	287	42	america	america	PROPN
arjefm-1226	287	43	serial	serial	PROPN
arjefm-1226	287	44	publication	publication	NOUN
arjefm-1226	287	45	american	american	PROPN
arjefm-1226	287	46	research	research	PROPN
arjefm-1226	287	47	journal	journal	PROPN
arjefm-1226	287	48	of	of	ADP
arjefm-1226	287	49	economics	economic	NOUN
arjefm-1226	287	50	,	,	PUNCT
arjefm-1226	287	51	finance	finance	NOUN
arjefm-1226	287	52	and	and	CCONJ
arjefm-1226	287	53	management	management	NOUN
arjefm-1226	287	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	287	55	,	,	PUNCT
arjefm-1226	287	56	email	email	NOUN
arjefm-1226	287	57	:	:	PUNCT
arjefm-1226	288	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	288	2	36	36	NUM
arjefm-1226	289	1	|	|	ADV
arjefm-1226	289	2	p	p	X
arjefm-1226	289	3	a	a	DET
arjefm-1226	289	4	g	g	PROPN
arjefm-1226	289	5	e	e	PROPN
arjefm-1226	289	6	ezeana	ezeana	PROPN
arjefm-1226	289	7	,	,	PUNCT
arjefm-1226	289	8	k.s	k.s	PROPN
arjefm-1226	289	9	.	.	PROPN
arjefm-1226	289	10	,	,	PUNCT
arjefm-1226	289	11	ezeagba	ezeagba	NOUN
arjefm-1226	289	12	,	,	PUNCT
arjefm-1226	289	13	c.e	c.e	PROPN
arjefm-1226	289	14	.	.	PROPN
arjefm-1226	289	15	&	&	CCONJ
arjefm-1226	289	16	ndubuisi	ndubuisi	PROPN
arjefm-1226	289	17	,	,	PUNCT
arjefm-1226	289	18	c.j	c.j	PROPN
arjefm-1226	289	19	.	.	PROPN
arjefm-1226	289	20	(	(	PUNCT
arjefm-1226	289	21	2024	2024	NUM
arjefm-1226	289	22	)	)	PUNCT
arjefm-1226	289	23	.	.	PUNCT
arjefm-1226	290	1	corporate	corporate	ADJ
arjefm-1226	290	2	diversification	diversification	NOUN
arjefm-1226	290	3	and	and	CCONJ
arjefm-1226	290	4	value	value	NOUN
arjefm-1226	290	5	of	of	ADP
arjefm-1226	290	6	quoted	quote	VERB
arjefm-1226	290	7	conglomerates	conglomerate	NOUN
arjefm-1226	290	8	in	in	ADP
arjefm-1226	290	9	nigeria	nigeria	PROPN
arjefm-1226	290	10	,	,	PUNCT
arjefm-1226	290	11	journal	journal	NOUN
arjefm-1226	290	12	of	of	ADP
arjefm-1226	290	13	global	global	ADJ
arjefm-1226	290	14	accounting	accounting	NOUN
arjefm-1226	290	15	,	,	PUNCT
arjefm-1226	290	16	10(3	10(3	NUM
arjefm-1226	290	17	)	)	PUNCT
arjefm-1226	290	18	,	,	PUNCT
arjefm-1226	290	19	139	139	NUM
arjefm-1226	290	20	163	163	NUM
arjefm-1226	290	21	.	.	PUNCT
arjefm-1226	291	1	https://www.google.com/amp/s/thesun.ng/how-bad-loans-poor-due-diligence-sank-heritage-bank/	https://www.google.com/amp/s/thesun.ng/how-bad-loans-poor-due-diligence-sank-heritage-bank/	PROPN
arjefm-1226	291	2	ihejirika	ihejirika	PROPN
arjefm-1226	291	3	p.o	p.o	PROPN
arjefm-1226	291	4	.	.	PROPN
arjefm-1226	291	5	,	,	PUNCT
arjefm-1226	291	6	&	&	CCONJ
arjefm-1226	291	7	aderigha	aderigha	PROPN
arjefm-1226	291	8	a.g	a.g	PROPN
arjefm-1226	291	9	.	.	PROPN
arjefm-1226	291	10	,	,	PUNCT
arjefm-1226	291	11	(	(	PUNCT
arjefm-1226	291	12	2021	2021	NUM
arjefm-1226	291	13	)	)	PUNCT
arjefm-1226	291	14	.	.	PUNCT
arjefm-1226	292	1	portfolio	portfolio	NOUN
arjefm-1226	292	2	diversification	diversification	NOUN
arjefm-1226	292	3	and	and	CCONJ
arjefm-1226	292	4	performance	performance	NOUN
arjefm-1226	292	5	of	of	ADP
arjefm-1226	292	6	deposit	deposit	NOUN
arjefm-1226	292	7	money	money	NOUN
arjefm-1226	292	8	banks	bank	NOUN
arjefm-1226	292	9	:	:	PUNCT
arjefm-1226	292	10	analysing	analyse	VERB
arjefm-1226	292	11	the	the	DET
arjefm-1226	292	12	nigerian	nigerian	ADJ
arjefm-1226	292	13	banking	banking	NOUN
arjefm-1226	292	14	industry	industry	NOUN
arjefm-1226	292	15	.	.	PUNCT
arjefm-1226	293	1	asian	asian	ADJ
arjefm-1226	293	2	journal	journal	PROPN
arjefm-1226	293	3	of	of	ADP
arjefm-1226	293	4	economics	economic	NOUN
arjefm-1226	293	5	,	,	PUNCT
arjefm-1226	293	6	business	business	NOUN
arjefm-1226	293	7	and	and	CCONJ
arjefm-1226	293	8	accounting	accounting	NOUN
arjefm-1226	293	9	,	,	PUNCT
arjefm-1226	293	10	21(15	21(15	PROPN
arjefm-1226	293	11	)	)	PUNCT
arjefm-1226	293	12	.	.	PUNCT
arjefm-1226	294	1	jibrin	jibrin	PROPN
arjefm-1226	294	2	,	,	PUNCT
arjefm-1226	294	3	s.g	s.g	PROPN
arjefm-1226	294	4	.	.	PROPN
arjefm-1226	294	5	,	,	PUNCT
arjefm-1226	294	6	dosumu	dosumu	NOUN
arjefm-1226	294	7	,	,	PUNCT
arjefm-1226	294	8	f.	f.	PROPN
arjefm-1226	294	9	&	&	CCONJ
arjefm-1226	294	10	mujahid	mujahid	PROPN
arjefm-1226	294	11	,	,	PUNCT
arjefm-1226	294	12	g.	g.	PROPN
arjefm-1226	294	13	m.	m.	PROPN
arjefm-1226	294	14	(	(	PUNCT
arjefm-1226	294	15	2022	2022	NUM
arjefm-1226	294	16	)	)	PUNCT
arjefm-1226	294	17	.	.	PUNCT
arjefm-1226	295	1	effect	effect	NOUN
arjefm-1226	295	2	of	of	ADP
arjefm-1226	295	3	loan	loan	NOUN
arjefm-1226	295	4	portfolio	portfolio	NOUN
arjefm-1226	295	5	diversification	diversification	NOUN
arjefm-1226	295	6	on	on	ADP
arjefm-1226	295	7	risks	risk	NOUN
arjefm-1226	295	8	and	and	CCONJ
arjefm-1226	295	9	returns	return	NOUN
arjefm-1226	295	10	:	:	PUNCT
arjefm-1226	295	11	a	a	DET
arjefm-1226	295	12	study	study	NOUN
arjefm-1226	295	13	of	of	ADP
arjefm-1226	295	14	selected	select	VERB
arjefm-1226	295	15	banks	bank	NOUN
arjefm-1226	295	16	in	in	ADP
arjefm-1226	295	17	nigeria	nigeria	PROPN
arjefm-1226	295	18	.	.	PUNCT
arjefm-1226	296	1	ndic	ndic	ADJ
arjefm-1226	296	2	quarterly	quarterly	PROPN
arjefm-1226	296	3	,	,	PUNCT
arjefm-1226	296	4	37(3&4	37(3&4	NUM
arjefm-1226	296	5	)	)	PUNCT
arjefm-1226	296	6	,	,	PUNCT
arjefm-1226	296	7	104	104	NUM
arjefm-1226	296	8	-	-	SYM
arjefm-1226	296	9	126	126	NUM
arjefm-1226	296	10	.	.	PUNCT
arjefm-1226	297	1	kamagoba	kamagoba	PROPN
arjefm-1226	297	2	,	,	PUNCT
arjefm-1226	297	3	s.	s.	PROPN
arjefm-1226	297	4	&	&	CCONJ
arjefm-1226	297	5	irechukwu	irechukwu	PROPN
arjefm-1226	297	6	,	,	PUNCT
arjefm-1226	297	7	e.	e.	PROPN
arjefm-1226	297	8	n.	n.	PROPN
arjefm-1226	297	9	(	(	PUNCT
arjefm-1226	297	10	2023	2023	NUM
arjefm-1226	297	11	)	)	PUNCT
arjefm-1226	297	12	.	.	PUNCT
arjefm-1226	298	1	diversification	diversification	NOUN
arjefm-1226	298	2	strategies	strategy	NOUN
arjefm-1226	298	3	and	and	CCONJ
arjefm-1226	298	4	competitive	competitive	ADJ
arjefm-1226	298	5	advantages	advantage	NOUN
arjefm-1226	298	6	of	of	ADP
arjefm-1226	298	7	banking	banking	NOUN
arjefm-1226	298	8	sector	sector	NOUN
arjefm-1226	298	9	in	in	ADP
arjefm-1226	298	10	rwanda	rwanda	PROPN
arjefm-1226	298	11	.	.	PUNCT
arjefm-1226	299	1	case	case	NOUN
arjefm-1226	299	2	of	of	ADP
arjefm-1226	299	3	bank	bank	PROPN
arjefm-1226	299	4	of	of	ADP
arjefm-1226	299	5	kigali	kigali	PROPN
arjefm-1226	299	6	(	(	PUNCT
arjefm-1226	299	7	2017	2017	NUM
arjefm-1226	299	8	-	-	SYM
arjefm-1226	299	9	2022	2022	NUM
arjefm-1226	299	10	)	)	PUNCT
arjefm-1226	299	11	.	.	PUNCT
arjefm-1226	300	1	the	the	DET
arjefm-1226	300	2	strategic	strategic	ADJ
arjefm-1226	300	3	journal	journal	NOUN
arjefm-1226	300	4	of	of	ADP
arjefm-1226	300	5	business	business	PROPN
arjefm-1226	300	6	&	&	CCONJ
arjefm-1226	300	7	change	change	PROPN
arjefm-1226	300	8	management	management	NOUN
arjefm-1226	300	9	,	,	PUNCT
arjefm-1226	300	10	10	10	NUM
arjefm-1226	300	11	(	(	PUNCT
arjefm-1226	300	12	4	4	NUM
arjefm-1226	300	13	)	)	PUNCT
arjefm-1226	300	14	,	,	PUNCT
arjefm-1226	300	15	1098	1098	NUM
arjefm-1226	300	16	–	–	PUNCT
arjefm-1226	300	17	1113	1113	NUM
arjefm-1226	300	18	.	.	PUNCT
arjefm-1226	301	1	http://dx.doi.org/10.61426/sjbcm.v10i4.2807	http://dx.doi.org/10.61426/sjbcm.v10i4.2807	PROPN
arjefm-1226	301	2	.	.	PROPN
arjefm-1226	301	3	kollie	kollie	PROPN
arjefm-1226	301	4	,	,	PUNCT
arjefm-1226	301	5	j.	j.	PROPN
arjefm-1226	301	6	l.	l.	PROPN
arjefm-1226	301	7	s.	s.	PROPN
arjefm-1226	301	8	(	(	PUNCT
arjefm-1226	301	9	2024	2024	NUM
arjefm-1226	301	10	)	)	PUNCT
arjefm-1226	301	11	.	.	PUNCT
arjefm-1226	302	1	effects	effect	NOUN
arjefm-1226	302	2	of	of	ADP
arjefm-1226	302	3	income	income	NOUN
arjefm-1226	302	4	diversification	diversification	NOUN
arjefm-1226	302	5	on	on	ADP
arjefm-1226	302	6	financial	financial	ADJ
arjefm-1226	302	7	performance	performance	NOUN
arjefm-1226	302	8	of	of	ADP
arjefm-1226	302	9	commercial	commercial	ADJ
arjefm-1226	302	10	banks	bank	NOUN
arjefm-1226	302	11	listed	list	VERB
arjefm-1226	302	12	in	in	ADP
arjefm-1226	302	13	sierra	sierra	PROPN
arjefm-1226	302	14	leone	leone	PROPN
arjefm-1226	302	15	.	.	PUNCT
arjefm-1226	303	1	european	european	PROPN
arjefm-1226	303	2	journal	journal	PROPN
arjefm-1226	303	3	of	of	ADP
arjefm-1226	303	4	management	management	NOUN
arjefm-1226	303	5	and	and	CCONJ
arjefm-1226	303	6	marketing	marketing	NOUN
arjefm-1226	303	7	studies	study	NOUN
arjefm-1226	303	8	,	,	PUNCT
arjefm-1226	303	9	9(1	9(1	NUM
arjefm-1226	303	10	)	)	PUNCT
arjefm-1226	303	11	,	,	PUNCT
arjefm-1226	303	12	doi	doi	NOUN
arjefm-1226	303	13	:	:	PUNCT
arjefm-1226	303	14	10.46827	10.46827	NUM
arjefm-1226	303	15	/	/	SYM
arjefm-1226	303	16	ejmms.v9i1.1702	ejmms.v9i1.1702	PROPN
arjefm-1226	303	17	.	.	NOUN
arjefm-1226	303	18	njuguna	njuguna	PROPN
arjefm-1226	303	19	,	,	PUNCT
arjefm-1226	303	20	v.	v.	PROPN
arjefm-1226	303	21	n.	n.	PROPN
arjefm-1226	303	22	,	,	PUNCT
arjefm-1226	303	23	kwasira	kwasira	PROPN
arjefm-1226	303	24	,	,	PUNCT
arjefm-1226	303	25	j.	j.	PROPN
arjefm-1226	303	26	&	&	CCONJ
arjefm-1226	303	27	orwa	orwa	PROPN
arjefm-1226	303	28	,	,	PUNCT
arjefm-1226	303	29	g.	g.	PROPN
arjefm-1226	303	30	(	(	PUNCT
arjefm-1226	303	31	2018	2018	NUM
arjefm-1226	303	32	)	)	PUNCT
arjefm-1226	303	33	.	.	PUNCT
arjefm-1226	304	1	influence	influence	NOUN
arjefm-1226	304	2	of	of	ADP
arjefm-1226	304	3	product	product	NOUN
arjefm-1226	304	4	diversification	diversification	NOUN
arjefm-1226	304	5	strategy	strategy	NOUN
arjefm-1226	304	6	on	on	ADP
arjefm-1226	304	7	performance	performance	NOUN
arjefm-1226	304	8	of	of	ADP
arjefm-1226	304	9	non	non	ADJ
arjefm-1226	304	10	-	-	ADJ
arjefm-1226	304	11	financial	financial	ADJ
arjefm-1226	304	12	firms	firm	NOUN
arjefm-1226	304	13	listed	list	VERB
arjefm-1226	304	14	at	at	ADP
arjefm-1226	304	15	the	the	DET
arjefm-1226	304	16	nairobi	nairobi	PROPN
arjefm-1226	304	17	securities	securities	PROPN
arjefm-1226	304	18	exchange	exchange	PROPN
arjefm-1226	304	19	,	,	PUNCT
arjefm-1226	304	20	kenya	kenya	PROPN
arjefm-1226	304	21	.	.	PUNCT
arjefm-1226	305	1	international	international	ADJ
arjefm-1226	305	2	journal	journal	PROPN
arjefm-1226	305	3	of	of	ADP
arjefm-1226	305	4	economics	economic	NOUN
arjefm-1226	305	5	,	,	PUNCT
arjefm-1226	305	6	commerce	commerce	NOUN
arjefm-1226	305	7	and	and	CCONJ
arjefm-1226	305	8	management	management	NOUN
arjefm-1226	305	9	,	,	PUNCT
arjefm-1226	305	10	6(6	6(6	ADJ
arjefm-1226	305	11	)	)	PUNCT
arjefm-1226	305	12	,	,	PUNCT
arjefm-1226	305	13	60	60	NUM
arjefm-1226	305	14	-	-	SYM
arjefm-1226	305	15	83	83	NUM
arjefm-1226	305	16	.	.	PUNCT
arjefm-1226	306	1	nwafor	nwafor	PROPN
arjefm-1226	306	2	,	,	PUNCT
arjefm-1226	306	3	p.u	p.u	PROPN
arjefm-1226	306	4	.	.	PROPN
arjefm-1226	306	5	,	,	PUNCT
arjefm-1226	306	6	&	&	CCONJ
arjefm-1226	306	7	amahalu	amahalu	PROPN
arjefm-1226	306	8	,	,	PUNCT
arjefm-1226	306	9	n.n	n.n	PROPN
arjefm-1226	306	10	.	.	PROPN
arjefm-1226	306	11	(	(	PUNCT
arjefm-1226	306	12	2021	2021	NUM
arjefm-1226	306	13	)	)	PUNCT
arjefm-1226	306	14	.	.	PUNCT
arjefm-1226	307	1	auditors	auditor	NOUN
arjefm-1226	307	2	’	’	PART
arjefm-1226	307	3	independence	independence	NOUN
arjefm-1226	307	4	and	and	CCONJ
arjefm-1226	307	5	audit	audit	NOUN
arjefm-1226	307	6	quality	quality	NOUN
arjefm-1226	307	7	of	of	ADP
arjefm-1226	307	8	quoted	quote	VERB
arjefm-1226	307	9	deposit	deposit	NOUN
arjefm-1226	307	10	money	money	NOUN
arjefm-1226	307	11	banks	bank	NOUN
arjefm-1226	307	12	in	in	ADP
arjefm-1226	307	13	nigeria	nigeria	PROPN
arjefm-1226	307	14	.	.	PUNCT
arjefm-1226	308	1	american	american	PROPN
arjefm-1226	308	2	research	research	PROPN
arjefm-1226	308	3	journal	journal	PROPN
arjefm-1226	308	4	of	of	ADP
arjefm-1226	308	5	humanities	humanity	NOUN
arjefm-1226	308	6	social	social	ADJ
arjefm-1226	308	7	science	science	NOUN
arjefm-1226	308	8	(	(	PUNCT
arjefm-1226	308	9	arjhss	arjhss	PROPN
arjefm-1226	308	10	)	)	PUNCT
arjefm-1226	308	11	,	,	PUNCT
arjefm-1226	308	12	04(09	04(09	PROPN
arjefm-1226	308	13	)	)	PUNCT
arjefm-1226	308	14	,	,	PUNCT
arjefm-1226	308	15	77	77	NUM
arjefm-1226	308	16	-	-	SYM
arjefm-1226	308	17	85	85	NUM
arjefm-1226	308	18	obaro	obaro	NOUN
arjefm-1226	308	19	,	,	PUNCT
arjefm-1226	308	20	v.	v.	PROPN
arjefm-1226	308	21	c.	c.	PROPN
arjefm-1226	308	22	,	,	PUNCT
arjefm-1226	308	23	onuorah	onuorah	PROPN
arjefm-1226	308	24	,	,	PUNCT
arjefm-1226	308	25	a.	a.	PROPN
arjefm-1226	308	26	c.	c.	PROPN
arjefm-1226	308	27	,	,	PUNCT
arjefm-1226	308	28	evesi	evesi	NOUN
arjefm-1226	308	29	,	,	PUNCT
arjefm-1226	308	30	h.o	h.o	PROPN
arjefm-1226	308	31	.	.	PROPN
arjefm-1226	308	32	&	&	CCONJ
arjefm-1226	308	33	ehiedu	ehiedu	PROPN
arjefm-1226	308	34	v.c	v.c	PROPN
arjefm-1226	308	35	.	.	PROPN
arjefm-1226	308	36	(	(	PUNCT
arjefm-1226	308	37	2022	2022	NUM
arjefm-1226	308	38	)	)	PUNCT
arjefm-1226	308	39	.	.	PUNCT
arjefm-1226	309	1	diversification	diversification	NOUN
arjefm-1226	309	2	and	and	CCONJ
arjefm-1226	309	3	the	the	DET
arjefm-1226	309	4	performance	performance	NOUN
arjefm-1226	309	5	of	of	ADP
arjefm-1226	309	6	quoted	quote	VERB
arjefm-1226	309	7	banks	bank	NOUN
arjefm-1226	309	8	in	in	ADP
arjefm-1226	309	9	nigeria	nigeria	PROPN
arjefm-1226	309	10	.	.	PUNCT
arjefm-1226	310	1	journal	journal	PROPN
arjefm-1226	310	2	of	of	ADP
arjefm-1226	310	3	research	research	NOUN
arjefm-1226	310	4	in	in	ADP
arjefm-1226	310	5	business	business	NOUN
arjefm-1226	310	6	and	and	CCONJ
arjefm-1226	310	7	management	management	NOUN
arjefm-1226	310	8	,	,	PUNCT
arjefm-1226	310	9	10(10	10(10	NUM
arjefm-1226	310	10	)	)	PUNCT
arjefm-1226	310	11	,	,	PUNCT
arjefm-1226	310	12	46	46	NUM
arjefm-1226	310	13	-	-	SYM
arjefm-1226	310	14	54	54	NUM
arjefm-1226	310	15	octavianus	octavianu	NOUN
arjefm-1226	310	16	,	,	PUNCT
arjefm-1226	310	17	h.	h.	PROPN
arjefm-1226	310	18	&	&	CCONJ
arjefm-1226	310	19	fachrudin	fachrudin	PROPN
arjefm-1226	310	20	,	,	PUNCT
arjefm-1226	310	21	k.	k.	PROPN
arjefm-1226	310	22	a.	a.	PROPN
arjefm-1226	311	1	(	(	PUNCT
arjefm-1226	311	2	2022	2022	NUM
arjefm-1226	311	3	)	)	PUNCT
arjefm-1226	311	4	.	.	PUNCT
arjefm-1226	312	1	income	income	NOUN
arjefm-1226	312	2	diversification	diversification	NOUN
arjefm-1226	312	3	strategy	strategy	NOUN
arjefm-1226	312	4	on	on	ADP
arjefm-1226	312	5	bank	bank	NOUN
arjefm-1226	312	6	stability	stability	NOUN
arjefm-1226	312	7	:	:	PUNCT
arjefm-1226	312	8	international	international	ADJ
arjefm-1226	312	9	banks	bank	NOUN
arjefm-1226	312	10	evidence	evidence	NOUN
arjefm-1226	312	11	.	.	PUNCT
arjefm-1226	313	1	jurnal	jurnal	ADJ
arjefm-1226	313	2	keuangan	keuangan	PROPN
arjefm-1226	313	3	dan	dan	PROPN
arjefm-1226	313	4	perbankan	perbankan	PROPN
arjefm-1226	313	5	,	,	PUNCT
arjefm-1226	313	6	26(3	26(3	NUM
arjefm-1226	313	7	)	)	PUNCT
arjefm-1226	313	8	,	,	PUNCT
arjefm-1226	313	9	538	538	NUM
arjefm-1226	313	10	-	-	SYM
arjefm-1226	313	11	551	551	NUM
arjefm-1226	313	12	.	.	PUNCT
arjefm-1226	314	1	oladimeji	oladimeji	NOUN
arjefm-1226	314	2	,	,	PUNCT
arjefm-1226	314	3	m.	m.	PROPN
arjefm-1226	314	4	s.	s.	PROPN
arjefm-1226	314	5	&	&	CCONJ
arjefm-1226	314	6	udosen	udosen	PROPN
arjefm-1226	314	7	,	,	PUNCT
arjefm-1226	314	8	i.	i.	NOUN
arjefm-1226	314	9	(	(	PUNCT
arjefm-1226	314	10	2019	2019	NUM
arjefm-1226	314	11	)	)	PUNCT
arjefm-1226	314	12	.	.	PUNCT
arjefm-1226	315	1	the	the	DET
arjefm-1226	315	2	effect	effect	NOUN
arjefm-1226	315	3	of	of	ADP
arjefm-1226	315	4	diversification	diversification	NOUN
arjefm-1226	315	5	strategy	strategy	NOUN
arjefm-1226	315	6	on	on	ADP
arjefm-1226	315	7	organizational	organizational	ADJ
arjefm-1226	315	8	performance	performance	NOUN
arjefm-1226	315	9	.	.	PUNCT
arjefm-1226	316	1	journal	journal	NOUN
arjefm-1226	316	2	of	of	ADP
arjefm-1226	316	3	competitiveness	competitiveness	NOUN
arjefm-1226	316	4	,	,	PUNCT
arjefm-1226	316	5	11(4	11(4	NUM
arjefm-1226	316	6	)	)	PUNCT
arjefm-1226	316	7	,	,	PUNCT
arjefm-1226	316	8	120–131	120–131	NUM
arjefm-1226	316	9	.	.	PUNCT
arjefm-1226	317	1	https://doi.org/10.7441/joc.2019.04.08	https://doi.org/10.7441/joc.2019.04.08	PROPN
arjefm-1226	317	2	.	.	PUNCT
arjefm-1226	318	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	318	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1226	318	3	https://www.google.com/amp/s/thesun.ng/how-bad-loans-poor-due-diligence-sank-heritage-bank/	https://www.google.com/amp/s/thesun.ng/how-bad-loans-poor-due-diligence-sank-heritage-bank/	PROPN
arjefm-1226	318	4	http://dx.doi.org/10.61426/sjbcm.v10i4.2807	http://dx.doi.org/10.61426/sjbcm.v10i4.2807	PROPN
arjefm-1226	318	5	https://doi.org/10.7441/joc.2019.04.08	https://doi.org/10.7441/joc.2019.04.08	PROPN
arjefm-1226	318	6	american	american	PROPN
arjefm-1226	318	7	research	research	PROPN
arjefm-1226	318	8	journal	journal	PROPN
arjefm-1226	318	9	of	of	ADP
arjefm-1226	318	10	economics	economic	NOUN
arjefm-1226	318	11	,	,	PUNCT
arjefm-1226	318	12	finance	finance	NOUN
arjefm-1226	318	13	and	and	CCONJ
arjefm-1226	318	14	management	management	NOUN
arjefm-1226	318	15	volume	volume	NOUN
arjefm-1226	318	16	13	13	NUM
arjefm-1226	318	17	issue	issue	NOUN
arjefm-1226	318	18	3	3	NUM
arjefm-1226	318	19	,	,	PUNCT
arjefm-1226	318	20	july	july	PROPN
arjefm-1226	318	21	-	-	PUNCT
arjefm-1226	318	22	september	september	PROPN
arjefm-1226	318	23	2025	2025	NUM
arjefm-1226	318	24	issn	issn	NOUN
arjefm-1226	318	25	:	:	PUNCT
arjefm-1226	318	26	2836	2836	NUM
arjefm-1226	318	27	-	-	SYM
arjefm-1226	318	28	9416	9416	NUM
arjefm-1226	318	29	impact	impact	NOUN
arjefm-1226	318	30	factor	factor	NOUN
arjefm-1226	318	31	:	:	PUNCT
arjefm-1226	318	32	6.41	6.41	NUM
arjefm-1226	318	33	journal	journal	NOUN
arjefm-1226	318	34	homepage	homepage	NOUN
arjefm-1226	318	35	:	:	PUNCT
arjefm-1226	318	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1226	318	37	email	email	NOUN
arjefm-1226	318	38	:	:	PUNCT
arjefm-1226	318	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1226	318	40	official	official	ADJ
arjefm-1226	318	41	journal	journal	PROPN
arjefm-1226	318	42	of	of	ADP
arjefm-1226	318	43	america	america	PROPN
arjefm-1226	318	44	serial	serial	PROPN
arjefm-1226	318	45	publication	publication	NOUN
arjefm-1226	318	46	american	american	PROPN
arjefm-1226	318	47	research	research	PROPN
arjefm-1226	318	48	journal	journal	PROPN
arjefm-1226	318	49	of	of	ADP
arjefm-1226	318	50	economics	economic	NOUN
arjefm-1226	318	51	,	,	PUNCT
arjefm-1226	318	52	finance	finance	NOUN
arjefm-1226	318	53	and	and	CCONJ
arjefm-1226	318	54	management	management	NOUN
arjefm-1226	318	55	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1226	318	56	,	,	PUNCT
arjefm-1226	318	57	email	email	NOUN
arjefm-1226	318	58	:	:	PUNCT
arjefm-1226	318	59	contact@americaserial.com	contact@americaserial.com	X
arjefm-1226	319	1	37	37	NUM
arjefm-1226	320	1	|	|	ADV
arjefm-1226	320	2	p	p	NOUN
arjefm-1226	320	3	a	a	DET
arjefm-1226	320	4	g	g	NOUN
arjefm-1226	320	5	e	e	PROPN
arjefm-1226	320	6	omeni	omeni	PROPN
arjefm-1226	320	7	,	,	PUNCT
arjefm-1226	320	8	i.	i.	PROPN
arjefm-1226	320	9	p.	p.	PROPN
arjefm-1226	320	10	&	&	CCONJ
arjefm-1226	320	11	george	george	PROPN
arjefm-1226	320	12	,	,	PUNCT
arjefm-1226	320	13	a.	a.	NOUN
arjefm-1226	320	14	a.	a.	NOUN
arjefm-1226	320	15	(	(	PUNCT
arjefm-1226	320	16	2021	2021	NUM
arjefm-1226	320	17	)	)	PUNCT
arjefm-1226	320	18	.	.	PUNCT
arjefm-1226	321	1	portfolio	portfolio	NOUN
arjefm-1226	321	2	diversification	diversification	NOUN
arjefm-1226	321	3	and	and	CCONJ
arjefm-1226	321	4	performance	performance	NOUN
arjefm-1226	321	5	of	of	ADP
arjefm-1226	321	6	deposit	deposit	NOUN
arjefm-1226	321	7	money	money	NOUN
arjefm-1226	321	8	banks	bank	NOUN
arjefm-1226	321	9	:	:	PUNCT
arjefm-1226	321	10	analysing	analyse	VERB
arjefm-1226	321	11	the	the	DET
arjefm-1226	321	12	nigerian	nigerian	ADJ
arjefm-1226	321	13	banking	banking	NOUN
arjefm-1226	321	14	industry	industry	NOUN
arjefm-1226	321	15	.	.	PUNCT
arjefm-1226	322	1	asian	asian	ADJ
arjefm-1226	322	2	journal	journal	PROPN
arjefm-1226	322	3	of	of	ADP
arjefm-1226	322	4	economics	economic	NOUN
arjefm-1226	322	5	,	,	PUNCT
arjefm-1226	322	6	business	business	NOUN
arjefm-1226	322	7	and	and	CCONJ
arjefm-1226	322	8	accounting	accounting	NOUN
arjefm-1226	322	9	,	,	PUNCT
arjefm-1226	322	10	21(15	21(15	PROPN
arjefm-1226	322	11	)	)	PUNCT
arjefm-1226	322	12	,	,	PUNCT
arjefm-1226	322	13	12	12	NUM
arjefm-1226	322	14	-	-	SYM
arjefm-1226	322	15	27	27	NUM
arjefm-1226	322	16	.	.	PUNCT
arjefm-1226	323	1	omosa	omosa	NOUN
arjefm-1226	323	2	,	,	PUNCT
arjefm-1226	323	3	h.	h.	PROPN
arjefm-1226	323	4	m.	m.	PROPN
arjefm-1226	323	5	,	,	PUNCT
arjefm-1226	323	6	muya	muya	PROPN
arjefm-1226	323	7	,	,	PUNCT
arjefm-1226	323	8	j.	j.	PROPN
arjefm-1226	323	9	,	,	PUNCT
arjefm-1226	323	10	omari	omari	PROPN
arjefm-1226	323	11	,	,	PUNCT
arjefm-1226	323	12	s.	s.	PROPN
arjefm-1226	323	13	,	,	PUNCT
arjefm-1226	323	14	momanyi	momanyi	PROPN
arjefm-1226	323	15	,	,	PUNCT
arjefm-1226	323	16	c.	c.	PROPN
arjefm-1226	323	17	(	(	PUNCT
arjefm-1226	323	18	2022	2022	NUM
arjefm-1226	323	19	)	)	PUNCT
arjefm-1226	323	20	.	.	PUNCT
arjefm-1226	324	1	role	role	NOUN
arjefm-1226	324	2	of	of	ADP
arjefm-1226	324	3	product	product	NOUN
arjefm-1226	324	4	diversification	diversification	NOUN
arjefm-1226	324	5	strategy	strategy	NOUN
arjefm-1226	324	6	on	on	ADP
arjefm-1226	324	7	performance	performance	NOUN
arjefm-1226	324	8	of	of	ADP
arjefm-1226	324	9	selected	select	VERB
arjefm-1226	324	10	tea	tea	NOUN
arjefm-1226	324	11	factories	factory	NOUN
arjefm-1226	324	12	in	in	ADP
arjefm-1226	324	13	kenya	kenya	PROPN
arjefm-1226	324	14	.	.	PUNCT
arjefm-1226	325	1	international	international	ADJ
arjefm-1226	325	2	academic	academic	ADJ
arjefm-1226	325	3	journal	journal	NOUN
arjefm-1226	325	4	of	of	ADP
arjefm-1226	325	5	innovation	innovation	NOUN
arjefm-1226	325	6	,	,	PUNCT
arjefm-1226	325	7	leadership	leadership	NOUN
arjefm-1226	325	8	and	and	CCONJ
arjefm-1226	325	9	entrepreneurship	entrepreneurship	NOUN
arjefm-1226	325	10	,	,	PUNCT
arjefm-1226	325	11	2(2	2(2	NUM
arjefm-1226	325	12	)	)	PUNCT
arjefm-1226	325	13	,	,	PUNCT
arjefm-1226	325	14	279	279	NUM
arjefm-1226	325	15	-	-	SYM
arjefm-1226	325	16	296	296	NUM
arjefm-1226	325	17	.	.	PUNCT
arjefm-1226	326	1	onuorah	onuorah	PROPN
arjefm-1226	326	2	,	,	PUNCT
arjefm-1226	326	3	a.	a.	PROPN
arjefm-1226	326	4	c.	c.	PROPN
arjefm-1226	326	5	(	(	PUNCT
arjefm-1226	326	6	2021	2021	NUM
arjefm-1226	326	7	)	)	PUNCT
arjefm-1226	326	8	.	.	PUNCT
arjefm-1226	327	1	bank	bank	NOUN
arjefm-1226	327	2	diversification	diversification	NOUN
arjefm-1226	327	3	strategies	strategy	NOUN
arjefm-1226	327	4	and	and	CCONJ
arjefm-1226	327	5	financial	financial	ADJ
arjefm-1226	327	6	performance	performance	NOUN
arjefm-1226	327	7	in	in	ADP
arjefm-1226	327	8	nigerian	nigerian	ADJ
arjefm-1226	327	9	economy	economy	NOUN
arjefm-1226	327	10	.	.	PUNCT
arjefm-1226	328	1	international	international	ADJ
arjefm-1226	328	2	journal	journal	PROPN
arjefm-1226	328	3	of	of	ADP
arjefm-1226	328	4	intellectual	intellectual	ADJ
arjefm-1226	328	5	discourse	discourse	NOUN
arjefm-1226	328	6	(	(	PUNCT
arjefm-1226	328	7	ijid	ijid	PROPN
arjefm-1226	328	8	)	)	PUNCT
arjefm-1226	328	9	,	,	PUNCT
arjefm-1226	328	10	4(3	4(3	NUM
arjefm-1226	328	11	)	)	PUNCT
arjefm-1226	328	12	,	,	PUNCT
arjefm-1226	328	13	153	153	NUM
arjefm-1226	328	14	-	-	SYM
arjefm-1226	328	15	164	164	NUM
arjefm-1226	328	16	.	.	PUNCT
arjefm-1226	329	1	osifo	osifo	ADJ
arjefm-1226	329	2	,	,	PUNCT
arjefm-1226	329	3	o.	o.	PROPN
arjefm-1226	329	4	,	,	PUNCT
arjefm-1226	329	5	&	&	CCONJ
arjefm-1226	329	6	evbayiro	evbayiro	NOUN
arjefm-1226	329	7	-	-	PUNCT
arjefm-1226	329	8	osagie	osagie	NOUN
arjefm-1226	329	9	,	,	PUNCT
arjefm-1226	329	10	e.	e.	PROPN
arjefm-1226	329	11	i.	i.	PROPN
arjefm-1226	329	12	,	,	PUNCT
arjefm-1226	329	13	(	(	PUNCT
arjefm-1226	329	14	2020	2020	NUM
arjefm-1226	329	15	)	)	PUNCT
arjefm-1226	329	16	.	.	PUNCT
arjefm-1226	330	1	foreign	foreign	ADJ
arjefm-1226	330	2	diversification	diversification	NOUN
arjefm-1226	330	3	and	and	CCONJ
arjefm-1226	330	4	performance	performance	NOUN
arjefm-1226	330	5	of	of	ADP
arjefm-1226	330	6	quoted	quote	VERB
arjefm-1226	330	7	deposit	deposit	NOUN
arjefm-1226	330	8	money	money	NOUN
arjefm-1226	330	9	banks	bank	NOUN
arjefm-1226	330	10	in	in	ADP
arjefm-1226	330	11	selected	select	VERB
arjefm-1226	330	12	sub	sub	ADJ
arjefm-1226	330	13	-	-	ADJ
arjefm-1226	330	14	sahara	sahara	ADJ
arjefm-1226	330	15	african	african	ADJ
arjefm-1226	330	16	countries	country	NOUN
arjefm-1226	330	17	.	.	PUNCT
arjefm-1226	331	1	oradea	oradea	PROPN
arjefm-1226	331	2	journal	journal	PROPN
arjefm-1226	331	3	of	of	ADP
arjefm-1226	331	4	business	business	NOUN
arjefm-1226	331	5	and	and	CCONJ
arjefm-1226	331	6	economics	economic	NOUN
arjefm-1226	331	7	,	,	PUNCT
arjefm-1226	331	8	5(special	5(special	NUM
arjefm-1226	331	9	)	)	PUNCT
arjefm-1226	331	10	,	,	PUNCT
arjefm-1226	331	11	82	82	NUM
arjefm-1226	331	12	-	-	SYM
arjefm-1226	331	13	93	93	NUM
arjefm-1226	331	14	radojičić	radojičić	NOUN
arjefm-1226	331	15	,	,	PUNCT
arjefm-1226	331	16	j.	j.	PROPN
arjefm-1226	331	17	&	&	CCONJ
arjefm-1226	331	18	marinković	marinković	PROPN
arjefm-1226	331	19	,	,	PUNCT
arjefm-1226	331	20	s.	s.	PROPN
arjefm-1226	331	21	(	(	PUNCT
arjefm-1226	331	22	2023	2023	NUM
arjefm-1226	331	23	)	)	PUNCT
arjefm-1226	331	24	.	.	PUNCT
arjefm-1226	332	1	impact	impact	NOUN
arjefm-1226	332	2	of	of	ADP
arjefm-1226	332	3	income	income	NOUN
arjefm-1226	332	4	and	and	CCONJ
arjefm-1226	332	5	assets	asset	NOUN
arjefm-1226	332	6	diversification	diversification	NOUN
arjefm-1226	332	7	on	on	ADP
arjefm-1226	332	8	bank	bank	NOUN
arjefm-1226	332	9	performance	performance	NOUN
arjefm-1226	332	10	in	in	ADP
arjefm-1226	332	11	serbia	serbia	PROPN
arjefm-1226	332	12	.	.	PUNCT
arjefm-1226	333	1	economic	economic	ADJ
arjefm-1226	333	2	themes	theme	NOUN
arjefm-1226	333	3	,	,	PUNCT
arjefm-1226	333	4	61(2	61(2	NUM
arjefm-1226	333	5	)	)	PUNCT
arjefm-1226	333	6	,	,	PUNCT
arjefm-1226	333	7	197	197	NUM
arjefm-1226	333	8	-	-	SYM
arjefm-1226	333	9	214	214	NUM
arjefm-1226	333	10	.	.	PUNCT
arjefm-1226	334	1	salman	salman	PROPN
arjefm-1226	334	2	,	,	PUNCT
arjefm-1226	334	3	a.d	a.d	PROPN
arjefm-1226	334	4	.	.	PROPN
arjefm-1226	334	5	,	,	PUNCT
arjefm-1226	334	6	mata	mata	PROPN
arjefm-1226	334	7	,	,	PUNCT
arjefm-1226	334	8	b.a.k	b.a.k	PROPN
arjefm-1226	334	9	.	.	PROPN
arjefm-1226	334	10	,	,	PUNCT
arjefm-1226	334	11	kurfi	kurfi	PROPN
arjefm-1226	334	12	,	,	PUNCT
arjefm-1226	334	13	a.k	a.k	PROPN
arjefm-1226	334	14	.	.	PROPN
arjefm-1226	334	15	,	,	PUNCT
arjefm-1226	334	16	ado	ado	PROPN
arjefm-1226	334	17	,	,	PUNCT
arjefm-1226	334	18	a.b	a.b	PROPN
arjefm-1226	334	19	.	.	PROPN
arjefm-1226	334	20	(	(	PUNCT
arjefm-1226	334	21	2020	2020	NUM
arjefm-1226	334	22	)	)	PUNCT
arjefm-1226	334	23	.	.	PUNCT
arjefm-1226	335	1	the	the	DET
arjefm-1226	335	2	relationship	relationship	NOUN
arjefm-1226	335	3	between	between	ADP
arjefm-1226	335	4	the	the	DET
arjefm-1226	335	5	investment	investment	NOUN
arjefm-1226	335	6	portfolio	portfolio	NOUN
arjefm-1226	335	7	and	and	CCONJ
arjefm-1226	335	8	banking	banking	NOUN
arjefm-1226	335	9	financial	financial	ADJ
arjefm-1226	335	10	performance	performance	NOUN
arjefm-1226	335	11	in	in	ADP
arjefm-1226	335	12	nigeria	nigeria	PROPN
arjefm-1226	335	13	.	.	PUNCT
arjefm-1226	336	1	asian	asian	ADJ
arjefm-1226	336	2	people	people	NOUN
arjefm-1226	336	3	journal	journal	NOUN
arjefm-1226	336	4	,	,	PUNCT
arjefm-1226	336	5	3(1	3(1	NUM
arjefm-1226	336	6	)	)	PUNCT
arjefm-1226	336	7	,	,	PUNCT
arjefm-1226	336	8	141151	141151	NUM
arjefm-1226	336	9	ungersboeck	ungersboeck	NOUN
arjefm-1226	336	10	,	,	PUNCT
arjefm-1226	336	11	p.	p.	PROPN
arjefm-1226	336	12	&	&	CCONJ
arjefm-1226	336	13	runkel	runkel	PROPN
arjefm-1226	336	14	,	,	PUNCT
arjefm-1226	336	15	c.	c.	PROPN
arjefm-1226	336	16	n.	n.	PROPN
arjefm-1226	336	17	(	(	PUNCT
arjefm-1226	336	18	2021	2021	NUM
arjefm-1226	336	19	)	)	PUNCT
arjefm-1226	336	20	.	.	PUNCT
arjefm-1226	337	1	asset	asset	NOUN
arjefm-1226	337	2	management	management	NOUN
arjefm-1226	337	3	corporation	corporation	NOUN
arjefm-1226	337	4	of	of	ADP
arjefm-1226	337	5	nigeria	nigeria	PROPN
arjefm-1226	337	6	(	(	PUNCT
arjefm-1226	337	7	amcon	amcon	PROPN
arjefm-1226	337	8	):	):	PUNCT
arjefm-1226	337	9	asset	asset	NOUN
arjefm-1226	337	10	management	management	NOUN
arjefm-1226	337	11	.	.	PUNCT
arjefm-1226	338	1	the	the	DET
arjefm-1226	338	2	journal	journal	NOUN
arjefm-1226	338	3	of	of	ADP
arjefm-1226	338	4	financial	financial	ADJ
arjefm-1226	338	5	crises	crisis	NOUN
arjefm-1226	338	6	,	,	PUNCT
arjefm-1226	338	7	3(2	3(2	NUM
arjefm-1226	338	8	)	)	PUNCT
arjefm-1226	338	9	,	,	PUNCT
arjefm-1226	338	10	618	618	NUM
arjefm-1226	338	11	-	-	SYM
arjefm-1226	338	12	640	640	NUM
arjefm-1226	338	13	.	.	PUNCT
arjefm-1226	339	1	https://elischolar.library.yale.edu/journal-of-financial-crises/vol3/iss2/27	https://elischolar.library.yale.edu/journal-of-financial-crises/vol3/iss2/27	PROPN
arjefm-1226	339	2	.	.	PUNCT
arjefm-1226	339	3	wegwu	wegwu	PROPN
arjefm-1226	339	4	,	,	PUNCT
arjefm-1226	339	5	m.	m.	PROPN
arjefm-1226	339	6	e.	e.	PROPN
arjefm-1226	339	7	(	(	PUNCT
arjefm-1226	339	8	2020	2020	NUM
arjefm-1226	339	9	)	)	PUNCT
arjefm-1226	339	10	.	.	PUNCT
arjefm-1226	340	1	diversification	diversification	NOUN
arjefm-1226	340	2	strategies	strategy	NOUN
arjefm-1226	340	3	and	and	CCONJ
arjefm-1226	340	4	business	business	NOUN
arjefm-1226	340	5	performance	performance	NOUN
arjefm-1226	340	6	in	in	ADP
arjefm-1226	340	7	a	a	DET
arjefm-1226	340	8	competitive	competitive	ADJ
arjefm-1226	340	9	industry	industry	NOUN
arjefm-1226	340	10	.	.	PUNCT
arjefm-1226	341	1	journalnxa	journalnxa	PROPN
arjefm-1226	341	2	multidisciplinary	multidisciplinary	ADJ
arjefm-1226	341	3	peer	peer	NOUN
arjefm-1226	341	4	reviewed	review	VERB
arjefm-1226	341	5	journal	journal	NOUN
arjefm-1226	341	6	,	,	PUNCT
arjefm-1226	341	7	6(8	6(8	NUM
arjefm-1226	341	8	)	)	PUNCT
arjefm-1226	341	9	,	,	PUNCT
arjefm-1226	341	10	190	190	NUM
arjefm-1226	341	11	-	-	SYM
arjefm-1226	341	12	199	199	NUM
arjefm-1226	341	13	.	.	PUNCT
arjefm-1226	342	1	world	world	PROPN
arjefm-1226	342	2	bank	bank	PROPN
arjefm-1226	342	3	group	group	NOUN
arjefm-1226	342	4	(	(	PUNCT
arjefm-1226	342	5	2021	2021	NUM
arjefm-1226	342	6	)	)	PUNCT
arjefm-1226	342	7	resilience	resilience	NOUN
arjefm-1226	342	8	through	through	ADP
arjefm-1226	342	9	reforms	reform	NOUN
arjefm-1226	342	10	.	.	PUNCT
arjefm-1226	343	1	nigeria	nigeria	PROPN
arjefm-1226	343	2	development	development	PROPN
arjefm-1226	343	3	update	update	NOUN
arjefm-1226	343	4	june	june	PROPN
arjefm-1226	343	5	2	2	NUM
arjefm-1226	343	6	.	.	X
arjefm-1226	343	7	view	view	VERB
arjefm-1226	343	8	this	this	DET
arjefm-1226	343	9	report	report	NOUN
arjefm-1226	343	10	online	online	ADV
arjefm-1226	343	11	:	:	PUNCT
arjefm-1226	343	12	www.worldbank.org/en/country/nigeria	www.worldbank.org/en/country/nigeria	NOUN
arjefm-1226	343	13	.	.	PUNCT
arjefm-1226	344	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	344	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1226	345	1	https://elischolar.library.yale.edu/journal-of-financial-crises/vol3/iss2/27	https://elischolar.library.yale.edu/journal-of-financial-crises/vol3/iss2/27	PROPN
arjefm-1226	345	2	http://www.worldbank.org/en/country/nigeria	http://www.worldbank.org/en/country/nigeria	PUNCT