id	sid	tid	token	lemma	pos
arjefm-1283	1	1	american	american	PROPN
arjefm-1283	1	2	research	research	PROPN
arjefm-1283	1	3	journal	journal	PROPN
arjefm-1283	1	4	of	of	ADP
arjefm-1283	1	5	economics	economic	NOUN
arjefm-1283	1	6	,	,	PUNCT
arjefm-1283	1	7	finance	finance	NOUN
arjefm-1283	1	8	and	and	CCONJ
arjefm-1283	1	9	management	management	NOUN
arjefm-1283	1	10	volume	volume	NOUN
arjefm-1283	1	11	13	13	NUM
arjefm-1283	1	12	issue	issue	NOUN
arjefm-1283	1	13	4	4	NUM
arjefm-1283	1	14	,	,	PUNCT
arjefm-1283	1	15	october	october	PROPN
arjefm-1283	1	16	-	-	PUNCT
arjefm-1283	1	17	december	december	PROPN
arjefm-1283	1	18	2025	2025	NUM
arjefm-1283	1	19	issn	issn	NOUN
arjefm-1283	1	20	:	:	PUNCT
arjefm-1283	1	21	2836	2836	NUM
arjefm-1283	1	22	-	-	SYM
arjefm-1283	1	23	9416	9416	NUM
arjefm-1283	1	24	impact	impact	NOUN
arjefm-1283	1	25	factor	factor	NOUN
arjefm-1283	1	26	:	:	PUNCT
arjefm-1283	1	27	6.41	6.41	NUM
arjefm-1283	1	28	journal	journal	NOUN
arjefm-1283	1	29	homepage	homepage	NOUN
arjefm-1283	1	30	:	:	PUNCT
arjefm-1283	1	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	1	32	email	email	NOUN
arjefm-1283	1	33	:	:	PUNCT
arjefm-1283	1	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	1	35	official	official	ADJ
arjefm-1283	1	36	journal	journal	PROPN
arjefm-1283	1	37	of	of	ADP
arjefm-1283	1	38	america	america	PROPN
arjefm-1283	1	39	serial	serial	PROPN
arjefm-1283	1	40	publication	publication	NOUN
arjefm-1283	1	41	american	american	PROPN
arjefm-1283	1	42	research	research	PROPN
arjefm-1283	1	43	journal	journal	PROPN
arjefm-1283	1	44	of	of	ADP
arjefm-1283	1	45	economics	economic	NOUN
arjefm-1283	1	46	,	,	PUNCT
arjefm-1283	1	47	finance	finance	NOUN
arjefm-1283	1	48	and	and	CCONJ
arjefm-1283	1	49	management	management	NOUN
arjefm-1283	1	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	1	51	,	,	PUNCT
arjefm-1283	1	52	email	email	NOUN
arjefm-1283	1	53	:	:	PUNCT
arjefm-1283	1	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	2	1	30	30	NUM
arjefm-1283	3	1	|	|	ADV
arjefm-1283	3	2	p	p	NOUN
arjefm-1283	3	3	a	a	DET
arjefm-1283	3	4	g	g	NOUN
arjefm-1283	3	5	e	e	NOUN
arjefm-1283	3	6	effect	effect	NOUN
arjefm-1283	3	7	of	of	ADP
arjefm-1283	3	8	tier	tier	NOUN
arjefm-1283	3	9	one	one	NUM
arjefm-1283	3	10	capital	capital	NOUN
arjefm-1283	3	11	components	component	NOUN
arjefm-1283	3	12	on	on	ADP
arjefm-1283	3	13	the	the	DET
arjefm-1283	3	14	loan	loan	NOUN
arjefm-1283	3	15	portfolio	portfolio	NOUN
arjefm-1283	3	16	of	of	ADP
arjefm-1283	3	17	deposit	deposit	NOUN
arjefm-1283	3	18	money	money	NOUN
arjefm-1283	3	19	banks	bank	NOUN
arjefm-1283	3	20	in	in	ADP
arjefm-1283	3	21	nigeria	nigeria	PROPN
arjefm-1283	3	22	udeh	udeh	PROPN
arjefm-1283	3	23	patience	patience	NOUN
arjefm-1283	3	24	ndidiamaka	ndidiamaka	VERB
arjefm-1283	3	25	federal	federal	PROPN
arjefm-1283	3	26	polytechnic	polytechnic	ADJ
arjefm-1283	3	27	ohodo	ohodo	PROPN
arjefm-1283	3	28	,	,	PUNCT
arjefm-1283	3	29	enugu	enugu	PROPN
arjefm-1283	3	30	state	state	PROPN
arjefm-1283	3	31	doi	doi	PROPN
arjefm-1283	3	32	:	:	PUNCT
arjefm-1283	3	33	https://doi.org/10.5281/zenodo.17804495	https://doi.org/10.5281/zenodo.17804495	ADJ
arjefm-1283	3	34	abstract	abstract	NOUN
arjefm-1283	3	35	:	:	PUNCT
arjefm-1283	3	36	the	the	DET
arjefm-1283	3	37	inadequacy	inadequacy	NOUN
arjefm-1283	3	38	of	of	ADP
arjefm-1283	3	39	tier	tier	NOUN
arjefm-1283	3	40	one	one	NUM
arjefm-1283	3	41	capital	capital	NOUN
arjefm-1283	3	42	components	component	NOUN
arjefm-1283	3	43	has	have	AUX
arjefm-1283	3	44	been	be	AUX
arjefm-1283	3	45	a	a	DET
arjefm-1283	3	46	recurring	recur	VERB
arjefm-1283	3	47	issue	issue	NOUN
arjefm-1283	3	48	of	of	ADP
arjefm-1283	3	49	concern	concern	NOUN
arjefm-1283	3	50	in	in	ADP
arjefm-1283	3	51	the	the	DET
arjefm-1283	3	52	nigerian	nigerian	ADJ
arjefm-1283	3	53	banking	banking	NOUN
arjefm-1283	3	54	sector	sector	NOUN
arjefm-1283	3	55	,	,	PUNCT
arjefm-1283	3	56	potentially	potentially	ADV
arjefm-1283	3	57	affecting	affect	VERB
arjefm-1283	3	58	the	the	DET
arjefm-1283	3	59	ability	ability	NOUN
arjefm-1283	3	60	of	of	ADP
arjefm-1283	3	61	deposit	deposit	NOUN
arjefm-1283	3	62	money	money	NOUN
arjefm-1283	3	63	banks	bank	NOUN
arjefm-1283	3	64	to	to	PART
arjefm-1283	3	65	perform	perform	VERB
arjefm-1283	3	66	their	their	PRON
arjefm-1283	3	67	traditional	traditional	ADJ
arjefm-1283	3	68	role	role	NOUN
arjefm-1283	3	69	of	of	ADP
arjefm-1283	3	70	financial	financial	ADJ
arjefm-1283	3	71	intermediation	intermediation	NOUN
arjefm-1283	3	72	through	through	ADP
arjefm-1283	3	73	loans	loan	NOUN
arjefm-1283	3	74	and	and	CCONJ
arjefm-1283	3	75	advances	advance	NOUN
arjefm-1283	3	76	.	.	PUNCT
arjefm-1283	4	1	additionally	additionally	ADV
arjefm-1283	4	2	,	,	PUNCT
arjefm-1283	4	3	the	the	DET
arjefm-1283	4	4	impact	impact	NOUN
arjefm-1283	4	5	of	of	ADP
arjefm-1283	4	6	specific	specific	ADJ
arjefm-1283	4	7	tier	tier	NOUN
arjefm-1283	4	8	one	one	NUM
arjefm-1283	4	9	capital	capital	NOUN
arjefm-1283	4	10	components	component	NOUN
arjefm-1283	4	11	,	,	PUNCT
arjefm-1283	4	12	such	such	ADJ
arjefm-1283	4	13	as	as	ADP
arjefm-1283	4	14	paid	pay	VERB
arjefm-1283	4	15	-	-	PUNCT
arjefm-1283	4	16	up	up	ADP
arjefm-1283	4	17	share	share	NOUN
arjefm-1283	4	18	capital	capital	NOUN
arjefm-1283	4	19	,	,	PUNCT
arjefm-1283	4	20	and	and	CCONJ
arjefm-1283	4	21	statutory	statutory	ADJ
arjefm-1283	4	22	reserve	reserve	NOUN
arjefm-1283	4	23	on	on	ADP
arjefm-1283	4	24	the	the	DET
arjefm-1283	4	25	loan	loan	NOUN
arjefm-1283	4	26	portfolio	portfolio	NOUN
arjefm-1283	4	27	of	of	ADP
arjefm-1283	4	28	deposit	deposit	NOUN
arjefm-1283	4	29	money	money	NOUN
arjefm-1283	4	30	banks	bank	NOUN
arjefm-1283	4	31	in	in	ADP
arjefm-1283	4	32	nigeria	nigeria	PROPN
arjefm-1283	4	33	remains	remain	VERB
arjefm-1283	4	34	unclear	unclear	ADJ
arjefm-1283	4	35	hence	hence	ADV
arjefm-1283	4	36	,	,	PUNCT
arjefm-1283	4	37	the	the	DET
arjefm-1283	4	38	study	study	NOUN
arjefm-1283	4	39	examines	examine	VERB
arjefm-1283	4	40	the	the	DET
arjefm-1283	4	41	effect	effect	NOUN
arjefm-1283	4	42	of	of	ADP
arjefm-1283	4	43	tier	tier	NOUN
arjefm-1283	4	44	one	one	NUM
arjefm-1283	4	45	capital	capital	NOUN
arjefm-1283	4	46	components	component	NOUN
arjefm-1283	4	47	on	on	ADP
arjefm-1283	4	48	loan	loan	NOUN
arjefm-1283	4	49	portfolio	portfolio	NOUN
arjefm-1283	4	50	of	of	ADP
arjefm-1283	4	51	deposit	deposit	NOUN
arjefm-1283	4	52	money	money	NOUN
arjefm-1283	4	53	banks	bank	NOUN
arjefm-1283	4	54	in	in	ADP
arjefm-1283	4	55	nigeria	nigeria	PROPN
arjefm-1283	4	56	from	from	ADP
arjefm-1283	4	57	2015	2015	NUM
arjefm-1283	4	58	to	to	ADP
arjefm-1283	4	59	2024	2024	NUM
arjefm-1283	4	60	.	.	PUNCT
arjefm-1283	5	1	the	the	DET
arjefm-1283	5	2	independent	independent	ADJ
arjefm-1283	5	3	variables	variable	NOUN
arjefm-1283	5	4	of	of	ADP
arjefm-1283	5	5	the	the	DET
arjefm-1283	5	6	study	study	NOUN
arjefm-1283	5	7	and	and	CCONJ
arjefm-1283	5	8	proxies	proxy	NOUN
arjefm-1283	5	9	for	for	ADP
arjefm-1283	5	10	tier	tier	NOUN
arjefm-1283	5	11	one	one	NUM
arjefm-1283	5	12	capital	capital	NOUN
arjefm-1283	5	13	components	component	NOUN
arjefm-1283	5	14	are	be	AUX
arjefm-1283	5	15	paid	pay	VERB
arjefm-1283	5	16	-	-	PUNCT
arjefm-1283	5	17	up	up	ADP
arjefm-1283	5	18	share	share	NOUN
arjefm-1283	5	19	capital	capital	NOUN
arjefm-1283	5	20	and	and	CCONJ
arjefm-1283	5	21	statutory	statutory	ADJ
arjefm-1283	5	22	reserve	reserve	PROPN
arjefm-1283	5	23	,	,	PUNCT
arjefm-1283	5	24	while	while	SCONJ
arjefm-1283	5	25	loans	loan	NOUN
arjefm-1283	5	26	and	and	CCONJ
arjefm-1283	5	27	advances	advance	NOUN
arjefm-1283	5	28	are	be	AUX
arjefm-1283	5	29	the	the	DET
arjefm-1283	5	30	dependent	dependent	ADJ
arjefm-1283	5	31	variable	variable	NOUN
arjefm-1283	5	32	.	.	PUNCT
arjefm-1283	6	1	a	a	DET
arjefm-1283	6	2	total	total	NOUN
arjefm-1283	6	3	of	of	ADP
arjefm-1283	6	4	23	23	NUM
arjefm-1283	6	5	deposit	deposit	NOUN
arjefm-1283	6	6	money	money	NOUN
arjefm-1283	6	7	banks	bank	NOUN
arjefm-1283	6	8	were	be	AUX
arjefm-1283	6	9	listed	list	VERB
arjefm-1283	6	10	on	on	ADP
arjefm-1283	6	11	the	the	DET
arjefm-1283	6	12	nigerian	nigerian	ADJ
arjefm-1283	6	13	stock	stock	NOUN
arjefm-1283	6	14	exchange	exchange	NOUN
arjefm-1283	6	15	during	during	ADP
arjefm-1283	6	16	the	the	DET
arjefm-1283	6	17	period	period	NOUN
arjefm-1283	6	18	,	,	PUNCT
arjefm-1283	6	19	out	out	ADP
arjefm-1283	6	20	of	of	ADP
arjefm-1283	6	21	which	which	PRON
arjefm-1283	6	22	6	6	NUM
arjefm-1283	6	23	banks	bank	NOUN
arjefm-1283	6	24	were	be	AUX
arjefm-1283	6	25	sampled	sample	VERB
arjefm-1283	6	26	for	for	ADP
arjefm-1283	6	27	the	the	DET
arjefm-1283	6	28	study	study	NOUN
arjefm-1283	6	29	.	.	PUNCT
arjefm-1283	7	1	secondary	secondary	ADJ
arjefm-1283	7	2	data	datum	NOUN
arjefm-1283	7	3	were	be	AUX
arjefm-1283	7	4	collected	collect	VERB
arjefm-1283	7	5	from	from	ADP
arjefm-1283	7	6	the	the	DET
arjefm-1283	7	7	audited	audit	VERB
arjefm-1283	7	8	annual	annual	ADJ
arjefm-1283	7	9	financial	financial	ADJ
arjefm-1283	7	10	statements	statement	NOUN
arjefm-1283	7	11	of	of	ADP
arjefm-1283	7	12	the	the	DET
arjefm-1283	7	13	selected	select	VERB
arjefm-1283	7	14	banks	bank	NOUN
arjefm-1283	7	15	and	and	CCONJ
arjefm-1283	7	16	analyzed	analyze	VERB
arjefm-1283	7	17	using	use	VERB
arjefm-1283	7	18	panel	panel	NOUN
arjefm-1283	7	19	data	datum	NOUN
arjefm-1283	7	20	regression	regression	NOUN
arjefm-1283	7	21	analysis	analysis	NOUN
arjefm-1283	7	22	.	.	PUNCT
arjefm-1283	8	1	findings	finding	NOUN
arjefm-1283	8	2	suggest	suggest	VERB
arjefm-1283	8	3	that	that	SCONJ
arjefm-1283	8	4	paid	pay	VERB
arjefm-1283	8	5	up	up	ADP
arjefm-1283	8	6	-	-	PUNCT
arjefm-1283	8	7	share	share	NOUN
arjefm-1283	8	8	capital	capital	NOUN
arjefm-1283	8	9	has	have	VERB
arjefm-1283	8	10	a	a	DET
arjefm-1283	8	11	positive	positive	ADJ
arjefm-1283	8	12	and	and	CCONJ
arjefm-1283	8	13	significant	significant	ADJ
arjefm-1283	8	14	effect	effect	NOUN
arjefm-1283	8	15	on	on	ADP
arjefm-1283	8	16	loans	loan	NOUN
arjefm-1283	8	17	and	and	CCONJ
arjefm-1283	8	18	advances	advance	NOUN
arjefm-1283	8	19	.	.	PUNCT
arjefm-1283	9	1	however	however	ADV
arjefm-1283	9	2	,	,	PUNCT
arjefm-1283	9	3	statutory	statutory	PROPN
arjefm-1283	9	4	reserve	reserve	PROPN
arjefm-1283	9	5	has	have	VERB
arjefm-1283	9	6	a	a	DET
arjefm-1283	9	7	positive	positive	ADJ
arjefm-1283	9	8	but	but	CCONJ
arjefm-1283	9	9	non	non	ADJ
arjefm-1283	9	10	-	-	ADJ
arjefm-1283	9	11	significant	significant	ADJ
arjefm-1283	9	12	effect	effect	NOUN
arjefm-1283	9	13	on	on	ADP
arjefm-1283	9	14	loans	loan	NOUN
arjefm-1283	9	15	and	and	CCONJ
arjefm-1283	9	16	advances	advance	NOUN
arjefm-1283	9	17	.	.	PUNCT
arjefm-1283	10	1	the	the	DET
arjefm-1283	10	2	study	study	NOUN
arjefm-1283	10	3	recommends	recommend	VERB
arjefm-1283	10	4	that	that	SCONJ
arjefm-1283	10	5	nigerian	nigerian	ADJ
arjefm-1283	10	6	deposit	deposit	NOUN
arjefm-1283	10	7	money	money	NOUN
arjefm-1283	10	8	banks	bank	NOUN
arjefm-1283	10	9	should	should	AUX
arjefm-1283	10	10	be	be	AUX
arjefm-1283	10	11	adequately	adequately	ADV
arjefm-1283	10	12	capitalized	capitalize	VERB
arjefm-1283	10	13	at	at	ADP
arjefm-1283	10	14	all	all	DET
arjefm-1283	10	15	times	time	NOUN
arjefm-1283	10	16	in	in	ADP
arjefm-1283	10	17	accordance	accordance	NOUN
arjefm-1283	10	18	with	with	ADP
arjefm-1283	10	19	the	the	DET
arjefm-1283	10	20	central	central	ADJ
arjefm-1283	10	21	bank	bank	PROPN
arjefm-1283	10	22	of	of	ADP
arjefm-1283	10	23	nigeria	nigeria	PROPN
arjefm-1283	10	24	's	's	PART
arjefm-1283	10	25	prudential	prudential	ADJ
arjefm-1283	10	26	guidelines	guideline	NOUN
arjefm-1283	10	27	to	to	PART
arjefm-1283	10	28	enable	enable	VERB
arjefm-1283	10	29	the	the	DET
arjefm-1283	10	30	banks	bank	NOUN
arjefm-1283	10	31	to	to	PART
arjefm-1283	10	32	efficiently	efficiently	ADV
arjefm-1283	10	33	provide	provide	VERB
arjefm-1283	10	34	their	their	PRON
arjefm-1283	10	35	traditional	traditional	ADJ
arjefm-1283	10	36	service	service	NOUN
arjefm-1283	10	37	of	of	ADP
arjefm-1283	10	38	financial	financial	ADJ
arjefm-1283	10	39	intermediation	intermediation	NOUN
arjefm-1283	10	40	,	,	PUNCT
arjefm-1283	10	41	while	while	SCONJ
arjefm-1283	10	42	implementing	implement	VERB
arjefm-1283	10	43	a	a	DET
arjefm-1283	10	44	retention	retention	NOUN
arjefm-1283	10	45	policy	policy	NOUN
arjefm-1283	10	46	that	that	PRON
arjefm-1283	10	47	will	will	AUX
arjefm-1283	10	48	enable	enable	VERB
arjefm-1283	10	49	them	they	PRON
arjefm-1283	10	50	to	to	PART
arjefm-1283	10	51	retain	retain	VERB
arjefm-1283	10	52	a	a	DET
arjefm-1283	10	53	sizable	sizable	ADJ
arjefm-1283	10	54	proportion	proportion	NOUN
arjefm-1283	10	55	of	of	ADP
arjefm-1283	10	56	their	their	PRON
arjefm-1283	10	57	earnings	earning	NOUN
arjefm-1283	10	58	for	for	ADP
arjefm-1283	10	59	future	future	ADJ
arjefm-1283	10	60	growth	growth	NOUN
arjefm-1283	10	61	and	and	CCONJ
arjefm-1283	10	62	expansion	expansion	NOUN
arjefm-1283	10	63	.	.	PUNCT
arjefm-1283	11	1	the	the	DET
arjefm-1283	11	2	implication	implication	NOUN
arjefm-1283	11	3	of	of	ADP
arjefm-1283	11	4	the	the	DET
arjefm-1283	11	5	study	study	NOUN
arjefm-1283	11	6	is	be	AUX
arjefm-1283	11	7	that	that	SCONJ
arjefm-1283	11	8	strong	strong	ADJ
arjefm-1283	11	9	bank	bank	NOUN
arjefm-1283	11	10	capital	capital	NOUN
arjefm-1283	11	11	components	component	NOUN
arjefm-1283	11	12	can	can	AUX
arjefm-1283	11	13	enhance	enhance	VERB
arjefm-1283	11	14	lending	lending	NOUN
arjefm-1283	11	15	capacity	capacity	NOUN
arjefm-1283	11	16	,	,	PUNCT
arjefm-1283	11	17	thereby	thereby	ADV
arjefm-1283	11	18	contributing	contribute	VERB
arjefm-1283	11	19	to	to	ADP
arjefm-1283	11	20	industry	industry	NOUN
arjefm-1283	11	21	development	development	NOUN
arjefm-1283	11	22	,	,	PUNCT
arjefm-1283	11	23	economic	economic	ADJ
arjefm-1283	11	24	growth	growth	NOUN
arjefm-1283	11	25	,	,	PUNCT
arjefm-1283	11	26	and	and	CCONJ
arjefm-1283	11	27	financial	financial	ADJ
arjefm-1283	11	28	stability	stability	NOUN
arjefm-1283	11	29	.	.	PUNCT
arjefm-1283	12	1	keywords	keyword	NOUN
arjefm-1283	12	2	:	:	PUNCT
arjefm-1283	12	3	paid	pay	VERB
arjefm-1283	12	4	-	-	PUNCT
arjefm-1283	12	5	up	up	ADP
arjefm-1283	12	6	-	-	PUNCT
arjefm-1283	12	7	share	share	NOUN
arjefm-1283	12	8	-	-	PUNCT
arjefm-1283	12	9	capital	capital	NOUN
arjefm-1283	12	10	,	,	PUNCT
arjefm-1283	12	11	retained	retain	VERB
arjefm-1283	12	12	-	-	PUNCT
arjefm-1283	12	13	earnings	earning	NOUN
arjefm-1283	12	14	,	,	PUNCT
arjefm-1283	12	15	statutory	statutory	NOUN
arjefm-1283	12	16	-	-	PUNCT
arjefm-1283	12	17	reserve	reserve	NOUN
arjefm-1283	12	18	,	,	PUNCT
arjefm-1283	12	19	share	share	NOUN
arjefm-1283	12	20	-	-	PUNCT
arjefm-1283	12	21	premium	premium	NOUN
arjefm-1283	12	22	and	and	CCONJ
arjefm-1283	12	23	loans	loan	NOUN
arjefm-1283	12	24	-	-	PUNCT
arjefm-1283	12	25	and	and	CCONJ
arjefm-1283	12	26	-	-	PUNCT
arjefm-1283	12	27	advances	advance	NOUN
arjefm-1283	12	28	.	.	PUNCT
arjefm-1283	13	1	1.1	1.1	NUM
arjefm-1283	13	2	introduction	introduction	NOUN
arjefm-1283	13	3	capital	capital	NOUN
arjefm-1283	13	4	adequacy	adequacy	NOUN
arjefm-1283	13	5	standards	standard	NOUN
arjefm-1283	13	6	for	for	ADP
arjefm-1283	13	7	banks	bank	NOUN
arjefm-1283	13	8	that	that	PRON
arjefm-1283	13	9	operate	operate	VERB
arjefm-1283	13	10	internationally	internationally	ADV
arjefm-1283	13	11	have	have	AUX
arjefm-1283	13	12	been	be	AUX
arjefm-1283	13	13	a	a	DET
arjefm-1283	13	14	major	major	ADJ
arjefm-1283	13	15	concern	concern	NOUN
arjefm-1283	13	16	for	for	ADP
arjefm-1283	13	17	bank	bank	NOUN
arjefm-1283	13	18	regulators	regulator	NOUN
arjefm-1283	13	19	worldwide	worldwide	ADV
arjefm-1283	13	20	.	.	PUNCT
arjefm-1283	14	1	in	in	ADP
arjefm-1283	14	2	view	view	NOUN
arjefm-1283	14	3	of	of	ADP
arjefm-1283	14	4	this	this	PRON
arjefm-1283	14	5	,	,	PUNCT
arjefm-1283	14	6	internationally	internationally	ADV
arjefm-1283	14	7	active	active	ADJ
arjefm-1283	14	8	banks	bank	NOUN
arjefm-1283	14	9	are	be	AUX
arjefm-1283	14	10	required	require	VERB
arjefm-1283	14	11	to	to	PART
arjefm-1283	14	12	maintain	maintain	VERB
arjefm-1283	14	13	a	a	DET
arjefm-1283	14	14	significant	significant	ADJ
arjefm-1283	14	15	and	and	CCONJ
arjefm-1283	14	16	adequate	adequate	ADJ
arjefm-1283	14	17	level	level	NOUN
arjefm-1283	14	18	of	of	ADP
arjefm-1283	14	19	capital	capital	NOUN
arjefm-1283	14	20	to	to	PART
arjefm-1283	14	21	avoid	avoid	VERB
arjefm-1283	14	22	bank	bank	NOUN
arjefm-1283	14	23	failures	failure	NOUN
arjefm-1283	14	24	and	and	CCONJ
arjefm-1283	14	25	to	to	PART
arjefm-1283	14	26	protect	protect	VERB
arjefm-1283	14	27	the	the	DET
arjefm-1283	14	28	interests	interest	NOUN
arjefm-1283	14	29	of	of	ADP
arjefm-1283	14	30	bank	bank	NOUN
arjefm-1283	14	31	stakeholders	stakeholder	NOUN
arjefm-1283	14	32	.	.	PUNCT
arjefm-1283	15	1	the	the	DET
arjefm-1283	15	2	globally	globally	ADV
arjefm-1283	15	3	recognized	recognize	VERB
arjefm-1283	15	4	and	and	CCONJ
arjefm-1283	15	5	acceptable	acceptable	ADJ
arjefm-1283	15	6	capital	capital	NOUN
arjefm-1283	15	7	regulations	regulation	NOUN
arjefm-1283	15	8	originated	originate	VERB
arjefm-1283	15	9	from	from	ADP
arjefm-1283	15	10	the	the	DET
arjefm-1283	15	11	basel	basel	PROPN
arjefm-1283	15	12	committee	committee	PROPN
arjefm-1283	15	13	on	on	ADP
arjefm-1283	15	14	banking	banking	NOUN
arjefm-1283	15	15	supervision	supervision	NOUN
arjefm-1283	15	16	,	,	PUNCT
arjefm-1283	15	17	which	which	PRON
arjefm-1283	15	18	was	be	AUX
arjefm-1283	15	19	established	establish	VERB
arjefm-1283	15	20	by	by	ADP
arjefm-1283	15	21	the	the	DET
arjefm-1283	15	22	central	central	ADJ
arjefm-1283	15	23	bank	bank	NOUN
arjefm-1283	15	24	governors	governor	NOUN
arjefm-1283	15	25	of	of	ADP
arjefm-1283	15	26	the	the	DET
arjefm-1283	15	27	group	group	NOUN
arjefm-1283	15	28	of	of	ADP
arjefm-1283	15	29	ten	ten	PROPN
arjefm-1283	15	30	(	(	PUNCT
arjefm-1283	15	31	g10	g10	PROPN
arjefm-1283	15	32	)	)	PUNCT
arjefm-1283	15	33	industrialized	industrialize	VERB
arjefm-1283	15	34	nations	nation	NOUN
arjefm-1283	15	35	of	of	ADP
arjefm-1283	15	36	the	the	DET
arjefm-1283	15	37	world	world	NOUN
arjefm-1283	15	38	in	in	ADP
arjefm-1283	15	39	1975	1975	NUM
arjefm-1283	15	40	.	.	PUNCT
arjefm-1283	16	1	the	the	DET
arjefm-1283	16	2	committee	committee	NOUN
arjefm-1283	16	3	framed	frame	VERB
arjefm-1283	16	4	the	the	DET
arjefm-1283	16	5	details	detail	NOUN
arjefm-1283	16	6	of	of	ADP
arjefm-1283	16	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	16	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	16	9	american	american	PROPN
arjefm-1283	16	10	research	research	PROPN
arjefm-1283	16	11	journal	journal	PROPN
arjefm-1283	16	12	of	of	ADP
arjefm-1283	16	13	economics	economic	NOUN
arjefm-1283	16	14	,	,	PUNCT
arjefm-1283	16	15	finance	finance	NOUN
arjefm-1283	16	16	and	and	CCONJ
arjefm-1283	16	17	management	management	NOUN
arjefm-1283	16	18	volume	volume	NOUN
arjefm-1283	16	19	13	13	NUM
arjefm-1283	16	20	issue	issue	NOUN
arjefm-1283	16	21	4	4	NUM
arjefm-1283	16	22	,	,	PUNCT
arjefm-1283	16	23	october	october	PROPN
arjefm-1283	16	24	-	-	PUNCT
arjefm-1283	16	25	december	december	PROPN
arjefm-1283	16	26	2025	2025	NUM
arjefm-1283	16	27	issn	issn	NOUN
arjefm-1283	16	28	:	:	PUNCT
arjefm-1283	16	29	2836	2836	NUM
arjefm-1283	16	30	-	-	SYM
arjefm-1283	16	31	9416	9416	NUM
arjefm-1283	16	32	impact	impact	NOUN
arjefm-1283	16	33	factor	factor	NOUN
arjefm-1283	16	34	:	:	PUNCT
arjefm-1283	16	35	6.41	6.41	NUM
arjefm-1283	16	36	journal	journal	NOUN
arjefm-1283	16	37	homepage	homepage	NOUN
arjefm-1283	16	38	:	:	PUNCT
arjefm-1283	16	39	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	16	40	email	email	NOUN
arjefm-1283	16	41	:	:	PUNCT
arjefm-1283	16	42	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	16	43	official	official	ADJ
arjefm-1283	16	44	journal	journal	PROPN
arjefm-1283	16	45	of	of	ADP
arjefm-1283	16	46	america	america	PROPN
arjefm-1283	16	47	serial	serial	PROPN
arjefm-1283	16	48	publication	publication	NOUN
arjefm-1283	16	49	american	american	PROPN
arjefm-1283	16	50	research	research	PROPN
arjefm-1283	16	51	journal	journal	PROPN
arjefm-1283	16	52	of	of	ADP
arjefm-1283	16	53	economics	economic	NOUN
arjefm-1283	16	54	,	,	PUNCT
arjefm-1283	16	55	finance	finance	NOUN
arjefm-1283	16	56	and	and	CCONJ
arjefm-1283	16	57	management	management	NOUN
arjefm-1283	16	58	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	16	59	,	,	PUNCT
arjefm-1283	16	60	email	email	NOUN
arjefm-1283	16	61	:	:	PUNCT
arjefm-1283	16	62	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	16	63	31	31	NUM
arjefm-1283	17	1	|	|	ADV
arjefm-1283	17	2	p	p	X
arjefm-1283	17	3	a	a	DET
arjefm-1283	17	4	g	g	NOUN
arjefm-1283	17	5	e	e	NOUN
arjefm-1283	17	6	the	the	DET
arjefm-1283	17	7	agreed	agree	VERB
arjefm-1283	17	8	structure	structure	NOUN
arjefm-1283	17	9	for	for	ADP
arjefm-1283	17	10	measuring	measure	VERB
arjefm-1283	17	11	capital	capital	NOUN
arjefm-1283	17	12	adequacy	adequacy	NOUN
arjefm-1283	17	13	and	and	CCONJ
arjefm-1283	17	14	the	the	DET
arjefm-1283	17	15	minimum	minimum	ADJ
arjefm-1283	17	16	capital	capital	NOUN
arjefm-1283	17	17	standard	standard	NOUN
arjefm-1283	17	18	(	(	PUNCT
arjefm-1283	17	19	aspal	aspal	PROPN
arjefm-1283	17	20	&	&	CCONJ
arjefm-1283	17	21	afroze	afroze	PROPN
arjefm-1283	17	22	,	,	PUNCT
arjefm-1283	17	23	2014	2014	NUM
arjefm-1283	17	24	)	)	PUNCT
arjefm-1283	17	25	.	.	PUNCT
arjefm-1283	18	1	in	in	ADP
arjefm-1283	18	2	1988	1988	NUM
arjefm-1283	18	3	,	,	PUNCT
arjefm-1283	18	4	the	the	DET
arjefm-1283	18	5	basel	basel	PROPN
arjefm-1283	18	6	committee	committee	PROPN
arjefm-1283	18	7	came	come	VERB
arjefm-1283	18	8	up	up	ADP
arjefm-1283	18	9	with	with	ADP
arjefm-1283	18	10	basel	basel	PROPN
arjefm-1283	18	11	capital	capital	PROPN
arjefm-1283	18	12	accord	accord	NOUN
arjefm-1283	18	13	which	which	PRON
arjefm-1283	18	14	propounded	propound	VERB
arjefm-1283	18	15	the	the	DET
arjefm-1283	18	16	definition	definition	NOUN
arjefm-1283	18	17	of	of	ADP
arjefm-1283	18	18	capital	capital	NOUN
arjefm-1283	18	19	and	and	CCONJ
arjefm-1283	18	20	distinguished	distinguished	ADJ
arjefm-1283	18	21	bank	bank	NOUN
arjefm-1283	18	22	capital	capital	NOUN
arjefm-1283	18	23	between	between	ADP
arjefm-1283	18	24	core	core	NOUN
arjefm-1283	18	25	elements	element	NOUN
arjefm-1283	18	26	(	(	PUNCT
arjefm-1283	18	27	tier	tier	NOUN
arjefm-1283	18	28	1	1	NUM
arjefm-1283	18	29	)	)	PUNCT
arjefm-1283	18	30	capital	capital	NOUN
arjefm-1283	18	31	and	and	CCONJ
arjefm-1283	18	32	supplementary	supplementary	ADJ
arjefm-1283	18	33	elements	element	NOUN
arjefm-1283	18	34	(	(	PUNCT
arjefm-1283	18	35	tier	tier	NOUN
arjefm-1283	18	36	2	2	NUM
arjefm-1283	18	37	)	)	PUNCT
arjefm-1283	18	38	capital	capital	NOUN
arjefm-1283	18	39	.	.	PUNCT
arjefm-1283	19	1	in	in	ADP
arjefm-1283	19	2	the	the	DET
arjefm-1283	19	3	same	same	ADJ
arjefm-1283	19	4	year	year	NOUN
arjefm-1283	19	5	,	,	PUNCT
arjefm-1283	19	6	the	the	DET
arjefm-1283	19	7	basel	basel	PROPN
arjefm-1283	19	8	committee	committee	PROPN
arjefm-1283	19	9	introduced	introduce	VERB
arjefm-1283	19	10	capital	capital	NOUN
arjefm-1283	19	11	adequacy	adequacy	NOUN
arjefm-1283	19	12	regulation	regulation	NOUN
arjefm-1283	19	13	,	,	PUNCT
arjefm-1283	19	14	which	which	PRON
arjefm-1283	19	15	required	require	VERB
arjefm-1283	19	16	globally	globally	ADV
arjefm-1283	19	17	active	active	ADJ
arjefm-1283	19	18	banks	bank	NOUN
arjefm-1283	19	19	to	to	PART
arjefm-1283	19	20	maintain	maintain	VERB
arjefm-1283	19	21	a	a	DET
arjefm-1283	19	22	minimum	minimum	ADJ
arjefm-1283	19	23	capital	capital	NOUN
arjefm-1283	19	24	equal	equal	ADJ
arjefm-1283	19	25	to	to	ADP
arjefm-1283	19	26	8	8	NUM
arjefm-1283	19	27	%	%	NOUN
arjefm-1283	19	28	of	of	ADP
arjefm-1283	19	29	risk	risk	NOUN
arjefm-1283	19	30	adjusted	adjust	VERB
arjefm-1283	19	31	assets	asset	NOUN
arjefm-1283	19	32	,	,	PUNCT
arjefm-1283	19	33	with	with	ADP
arjefm-1283	19	34	capital	capital	NOUN
arjefm-1283	19	35	consisting	consist	VERB
arjefm-1283	19	36	of	of	ADP
arjefm-1283	19	37	tier	tier	NOUN
arjefm-1283	19	38	i	i	PRON
arjefm-1283	19	39	capital	capital	NOUN
arjefm-1283	19	40	(	(	PUNCT
arjefm-1283	19	41	equity	equity	NOUN
arjefm-1283	19	42	capital	capital	NOUN
arjefm-1283	19	43	and	and	CCONJ
arjefm-1283	19	44	disclosed	disclose	VERB
arjefm-1283	19	45	reserves	reserve	NOUN
arjefm-1283	19	46	)	)	PUNCT
arjefm-1283	19	47	and	and	CCONJ
arjefm-1283	19	48	tier	tier	NOUN
arjefm-1283	19	49	ii	ii	PROPN
arjefm-1283	19	50	capital	capital	NOUN
arjefm-1283	19	51	(	(	PUNCT
arjefm-1283	19	52	long	long	ADJ
arjefm-1283	19	53	term	term	NOUN
arjefm-1283	19	54	debt	debt	NOUN
arjefm-1283	19	55	,	,	PUNCT
arjefm-1283	19	56	undisclosed	undisclosed	ADJ
arjefm-1283	19	57	reserves	reserve	NOUN
arjefm-1283	19	58	and	and	CCONJ
arjefm-1283	19	59	hybrid	hybrid	ADJ
arjefm-1283	19	60	instruments	instrument	NOUN
arjefm-1283	19	61	)	)	PUNCT
arjefm-1283	19	62	(	(	PUNCT
arjefm-1283	19	63	jacobson	jacobson	PROPN
arjefm-1283	19	64	,	,	PUNCT
arjefm-1283	19	65	linde	linde	PROPN
arjefm-1283	19	66	&	&	CCONJ
arjefm-1283	19	67	roszbach	roszbach	PROPN
arjefm-1283	19	68	,	,	PUNCT
arjefm-1283	19	69	2002	2002	NUM
arjefm-1283	19	70	)	)	PUNCT
arjefm-1283	19	71	.	.	PUNCT
arjefm-1283	20	1	thus	thus	ADV
arjefm-1283	20	2	,	,	PUNCT
arjefm-1283	20	3	the	the	DET
arjefm-1283	20	4	adoption	adoption	NOUN
arjefm-1283	20	5	of	of	ADP
arjefm-1283	20	6	the	the	DET
arjefm-1283	20	7	standards	standard	NOUN
arjefm-1283	20	8	in	in	ADP
arjefm-1283	20	9	the	the	DET
arjefm-1283	20	10	city	city	NOUN
arjefm-1283	20	11	of	of	ADP
arjefm-1283	20	12	basle	basle	PROPN
arjefm-1283	20	13	came	come	VERB
arjefm-1283	20	14	to	to	PART
arjefm-1283	20	15	be	be	AUX
arjefm-1283	20	16	referred	refer	VERB
arjefm-1283	20	17	as	as	ADP
arjefm-1283	20	18	the	the	DET
arjefm-1283	20	19	basle	basle	PROPN
arjefm-1283	20	20	capital	capital	NOUN
arjefm-1283	20	21	accord	accord	NOUN
arjefm-1283	20	22	on	on	ADP
arjefm-1283	20	23	capital	capital	NOUN
arjefm-1283	20	24	adequacy	adequacy	NOUN
arjefm-1283	20	25	standard	standard	NOUN
arjefm-1283	20	26	.	.	PUNCT
arjefm-1283	21	1	the	the	DET
arjefm-1283	21	2	capital	capital	NOUN
arjefm-1283	21	3	adequacy	adequacy	NOUN
arjefm-1283	21	4	standard	standard	NOUN
arjefm-1283	21	5	under	under	ADP
arjefm-1283	21	6	the	the	DET
arjefm-1283	21	7	basle	basle	PROPN
arjefm-1283	21	8	accord	accord	NOUN
arjefm-1283	21	9	has	have	AUX
arjefm-1283	21	10	been	be	AUX
arjefm-1283	21	11	widely	widely	ADV
arjefm-1283	21	12	accepted	accept	VERB
arjefm-1283	21	13	worldwide	worldwide	ADV
arjefm-1283	21	14	by	by	ADP
arjefm-1283	21	15	bank	bank	NOUN
arjefm-1283	21	16	regulators	regulator	NOUN
arjefm-1283	21	17	and	and	CCONJ
arjefm-1283	21	18	was	be	AUX
arjefm-1283	21	19	implemented	implement	VERB
arjefm-1283	21	20	by	by	ADP
arjefm-1283	21	21	the	the	DET
arjefm-1283	21	22	central	central	ADJ
arjefm-1283	21	23	bank	bank	PROPN
arjefm-1283	21	24	of	of	ADP
arjefm-1283	21	25	nigeria	nigeria	PROPN
arjefm-1283	21	26	,	,	PUNCT
arjefm-1283	21	27	effective	effective	ADJ
arjefm-1283	21	28	december	december	PROPN
arjefm-1283	21	29	2005	2005	NUM
arjefm-1283	21	30	(	(	PUNCT
arjefm-1283	21	31	ezike	ezike	PROPN
arjefm-1283	21	32	&	&	CCONJ
arjefm-1283	21	33	oke	oke	PROPN
arjefm-1283	21	34	,	,	PUNCT
arjefm-1283	21	35	2013	2013	NUM
arjefm-1283	21	36	)	)	PUNCT
arjefm-1283	21	37	.	.	PUNCT
arjefm-1283	22	1	the	the	DET
arjefm-1283	22	2	2007	2007	NUM
arjefm-1283	22	3	-	-	SYM
arjefm-1283	22	4	2009	2009	NUM
arjefm-1283	22	5	financial	financial	ADJ
arjefm-1283	22	6	crisis	crisis	NOUN
arjefm-1283	22	7	reveals	reveal	VERB
arjefm-1283	22	8	several	several	ADJ
arjefm-1283	22	9	weaknesses	weakness	NOUN
arjefm-1283	22	10	in	in	ADP
arjefm-1283	22	11	the	the	DET
arjefm-1283	22	12	capital	capital	NOUN
arjefm-1283	22	13	bases	basis	NOUN
arjefm-1283	22	14	of	of	ADP
arjefm-1283	22	15	internationally	internationally	ADV
arjefm-1283	22	16	active	active	ADJ
arjefm-1283	22	17	banks	bank	NOUN
arjefm-1283	22	18	.	.	PUNCT
arjefm-1283	23	1	the	the	DET
arjefm-1283	23	2	definitions	definition	NOUN
arjefm-1283	23	3	of	of	ADP
arjefm-1283	23	4	capital	capital	NOUN
arjefm-1283	23	5	varied	varied	ADJ
arjefm-1283	23	6	widely	widely	ADV
arjefm-1283	23	7	between	between	ADP
arjefm-1283	23	8	jurisdictions	jurisdiction	NOUN
arjefm-1283	23	9	.	.	PUNCT
arjefm-1283	24	1	nickolas	nickolas	PROPN
arjefm-1283	24	2	(	(	PUNCT
arjefm-1283	24	3	2020	2020	NUM
arjefm-1283	24	4	)	)	PUNCT
arjefm-1283	24	5	defines	define	VERB
arjefm-1283	24	6	tier	tier	NOUN
arjefm-1283	24	7	i	i	PRON
arjefm-1283	24	8	capital	capital	VERB
arjefm-1283	24	9	as	as	ADP
arjefm-1283	24	10	a	a	DET
arjefm-1283	24	11	bank	bank	NOUN
arjefm-1283	24	12	's	's	PART
arjefm-1283	24	13	core	core	NOUN
arjefm-1283	24	14	capital	capital	NOUN
arjefm-1283	24	15	and	and	CCONJ
arjefm-1283	24	16	is	be	AUX
arjefm-1283	24	17	the	the	DET
arjefm-1283	24	18	funds	fund	NOUN
arjefm-1283	24	19	that	that	PRON
arjefm-1283	24	20	a	a	DET
arjefm-1283	24	21	bank	bank	NOUN
arjefm-1283	24	22	uses	use	VERB
arjefm-1283	24	23	to	to	PART
arjefm-1283	24	24	function	function	VERB
arjefm-1283	24	25	on	on	ADP
arjefm-1283	24	26	a	a	DET
arjefm-1283	24	27	regular	regular	ADJ
arjefm-1283	24	28	basis	basis	NOUN
arjefm-1283	24	29	and	and	CCONJ
arjefm-1283	24	30	forms	form	VERB
arjefm-1283	24	31	the	the	DET
arjefm-1283	24	32	basis	basis	NOUN
arjefm-1283	24	33	of	of	ADP
arjefm-1283	24	34	a	a	DET
arjefm-1283	24	35	financial	financial	ADJ
arjefm-1283	24	36	institution	institution	NOUN
arjefm-1283	24	37	's	's	PART
arjefm-1283	24	38	strength	strength	NOUN
arjefm-1283	24	39	.	.	PUNCT
arjefm-1283	25	1	it	it	PRON
arjefm-1283	25	2	consists	consist	VERB
arjefm-1283	25	3	of	of	ADP
arjefm-1283	25	4	shareholders	shareholder	NOUN
arjefm-1283	25	5	'	'	PART
arjefm-1283	25	6	equity	equity	NOUN
arjefm-1283	25	7	and	and	CCONJ
arjefm-1283	25	8	retained	retain	VERB
arjefm-1283	25	9	earnings	earning	NOUN
arjefm-1283	25	10	disclosed	disclose	VERB
arjefm-1283	25	11	on	on	ADP
arjefm-1283	25	12	the	the	DET
arjefm-1283	25	13	financial	financial	ADJ
arjefm-1283	25	14	statements	statement	NOUN
arjefm-1283	25	15	of	of	ADP
arjefm-1283	25	16	banks	bank	NOUN
arjefm-1283	25	17	and	and	CCONJ
arjefm-1283	25	18	is	be	AUX
arjefm-1283	25	19	a	a	DET
arjefm-1283	25	20	primary	primary	ADJ
arjefm-1283	25	21	indicator	indicator	NOUN
arjefm-1283	25	22	to	to	PART
arjefm-1283	25	23	measure	measure	VERB
arjefm-1283	25	24	a	a	DET
arjefm-1283	25	25	bank	bank	NOUN
arjefm-1283	25	26	's	's	PART
arjefm-1283	25	27	financial	financial	ADJ
arjefm-1283	25	28	health	health	NOUN
arjefm-1283	25	29	.	.	PUNCT
arjefm-1283	26	1	tier	tier	NOUN
arjefm-1283	26	2	i	i	PRON
arjefm-1283	26	3	capital	capital	NOUN
arjefm-1283	26	4	enable	enable	VERB
arjefm-1283	26	5	a	a	DET
arjefm-1283	26	6	bank	bank	NOUN
arjefm-1283	26	7	to	to	PART
arjefm-1283	26	8	absorb	absorb	VERB
arjefm-1283	26	9	losses	loss	NOUN
arjefm-1283	26	10	without	without	ADP
arjefm-1283	26	11	ceasing	cease	VERB
arjefm-1283	26	12	business	business	NOUN
arjefm-1283	26	13	operations	operation	NOUN
arjefm-1283	26	14	.	.	PUNCT
arjefm-1283	27	1	it	it	PRON
arjefm-1283	27	2	is	be	AUX
arjefm-1283	27	3	the	the	DET
arjefm-1283	27	4	primary	primary	ADJ
arjefm-1283	27	5	funding	funding	NOUN
arjefm-1283	27	6	source	source	NOUN
arjefm-1283	27	7	of	of	ADP
arjefm-1283	27	8	the	the	DET
arjefm-1283	27	9	bank	bank	NOUN
arjefm-1283	27	10	.	.	PUNCT
arjefm-1283	28	1	typically	typically	ADV
arjefm-1283	28	2	,	,	PUNCT
arjefm-1283	28	3	it	it	PRON
arjefm-1283	28	4	holds	hold	VERB
arjefm-1283	28	5	nearly	nearly	ADV
arjefm-1283	28	6	all	all	PRON
arjefm-1283	28	7	of	of	ADP
arjefm-1283	28	8	the	the	DET
arjefm-1283	28	9	bank	bank	NOUN
arjefm-1283	28	10	's	's	PART
arjefm-1283	28	11	accumulated	accumulate	VERB
arjefm-1283	28	12	funds	fund	NOUN
arjefm-1283	28	13	.	.	PUNCT
arjefm-1283	29	1	these	these	DET
arjefm-1283	29	2	funds	fund	NOUN
arjefm-1283	29	3	are	be	AUX
arjefm-1283	29	4	generated	generate	VERB
arjefm-1283	29	5	specifically	specifically	ADV
arjefm-1283	29	6	to	to	PART
arjefm-1283	29	7	support	support	VERB
arjefm-1283	29	8	banks	bank	NOUN
arjefm-1283	29	9	when	when	SCONJ
arjefm-1283	29	10	losses	loss	NOUN
arjefm-1283	29	11	are	be	AUX
arjefm-1283	29	12	absorbed	absorb	VERB
arjefm-1283	29	13	so	so	SCONJ
arjefm-1283	29	14	that	that	SCONJ
arjefm-1283	29	15	regular	regular	ADJ
arjefm-1283	29	16	business	business	NOUN
arjefm-1283	29	17	functions	function	NOUN
arjefm-1283	29	18	do	do	AUX
arjefm-1283	29	19	not	not	PART
arjefm-1283	29	20	have	have	VERB
arjefm-1283	29	21	to	to	PART
arjefm-1283	29	22	be	be	AUX
arjefm-1283	29	23	shut	shut	VERB
arjefm-1283	29	24	down	down	ADP
arjefm-1283	29	25	.	.	PUNCT
arjefm-1283	30	1	under	under	ADP
arjefm-1283	30	2	basel	basel	PROPN
arjefm-1283	30	3	iii	iii	PROPN
arjefm-1283	30	4	,	,	PUNCT
arjefm-1283	30	5	the	the	DET
arjefm-1283	30	6	minimum	minimum	ADJ
arjefm-1283	30	7	tier	tier	NOUN
arjefm-1283	30	8	1	1	NUM
arjefm-1283	30	9	capital	capital	NOUN
arjefm-1283	30	10	ratio	ratio	NOUN
arjefm-1283	30	11	is	be	AUX
arjefm-1283	30	12	10.5	10.5	NUM
arjefm-1283	30	13	%	%	NOUN
arjefm-1283	30	14	,	,	PUNCT
arjefm-1283	30	15	which	which	PRON
arjefm-1283	30	16	is	be	AUX
arjefm-1283	30	17	calculated	calculate	VERB
arjefm-1283	30	18	by	by	ADP
arjefm-1283	30	19	dividing	divide	VERB
arjefm-1283	30	20	the	the	DET
arjefm-1283	30	21	bank	bank	NOUN
arjefm-1283	30	22	's	's	PART
arjefm-1283	30	23	tier	tier	NOUN
arjefm-1283	30	24	1	1	NUM
arjefm-1283	30	25	capital	capital	NOUN
arjefm-1283	30	26	by	by	ADP
arjefm-1283	30	27	its	its	PRON
arjefm-1283	30	28	total	total	ADJ
arjefm-1283	30	29	risk	risk	NOUN
arjefm-1283	30	30	-	-	PUNCT
arjefm-1283	30	31	weighted	weight	VERB
arjefm-1283	30	32	assets	asset	NOUN
arjefm-1283	30	33	(	(	PUNCT
arjefm-1283	30	34	rwa	rwa	PROPN
arjefm-1283	30	35	)	)	PUNCT
arjefm-1283	30	36	.	.	PUNCT
arjefm-1283	31	1	risk	risk	NOUN
arjefm-1283	31	2	-	-	PUNCT
arjefm-1283	31	3	weighted	weight	VERB
arjefm-1283	31	4	assets	asset	NOUN
arjefm-1283	31	5	measure	measure	VERB
arjefm-1283	31	6	a	a	DET
arjefm-1283	31	7	bank	bank	NOUN
arjefm-1283	31	8	's	's	PART
arjefm-1283	31	9	exposure	exposure	NOUN
arjefm-1283	31	10	to	to	ADP
arjefm-1283	31	11	credit	credit	NOUN
arjefm-1283	31	12	risk	risk	NOUN
arjefm-1283	31	13	from	from	ADP
arjefm-1283	31	14	the	the	DET
arjefm-1283	31	15	loans	loan	NOUN
arjefm-1283	31	16	it	it	PRON
arjefm-1283	31	17	underwrites	underwrite	VERB
arjefm-1283	31	18	.	.	PUNCT
arjefm-1283	32	1	raja	raja	PROPN
arjefm-1283	32	2	(	(	PUNCT
arjefm-1283	32	3	2019	2019	NUM
arjefm-1283	32	4	)	)	PUNCT
arjefm-1283	32	5	identified	identify	VERB
arjefm-1283	32	6	three	three	NUM
arjefm-1283	32	7	major	major	ADJ
arjefm-1283	32	8	components	component	NOUN
arjefm-1283	32	9	of	of	ADP
arjefm-1283	32	10	tier	tier	NOUN
arjefm-1283	32	11	1	1	NUM
arjefm-1283	32	12	capital	capital	NOUN
arjefm-1283	32	13	,	,	PUNCT
arjefm-1283	32	14	namely	namely	ADV
arjefm-1283	32	15	,	,	PUNCT
arjefm-1283	32	16	paid	pay	VERB
arjefm-1283	32	17	up	up	ADP
arjefm-1283	32	18	share	share	NOUN
arjefm-1283	32	19	capital	capital	NOUN
arjefm-1283	32	20	,	,	PUNCT
arjefm-1283	32	21	preference	preference	NOUN
arjefm-1283	32	22	share	share	NOUN
arjefm-1283	32	23	(	(	PUNCT
arjefm-1283	32	24	which	which	PRON
arjefm-1283	32	25	must	must	AUX
arjefm-1283	32	26	be	be	AUX
arjefm-1283	32	27	irredeemable	irredeemable	ADJ
arjefm-1283	32	28	and	and	CCONJ
arjefm-1283	32	29	non	non	ADJ
arjefm-1283	32	30	-	-	ADJ
arjefm-1283	32	31	cumulative	cumulative	ADJ
arjefm-1283	32	32	)	)	PUNCT
arjefm-1283	32	33	and	and	CCONJ
arjefm-1283	32	34	retained	retain	VERB
arjefm-1283	32	35	earnings	earning	NOUN
arjefm-1283	32	36	or	or	CCONJ
arjefm-1283	32	37	general	general	ADJ
arjefm-1283	32	38	reserve	reserve	PROPN
arjefm-1283	32	39	.	.	PUNCT
arjefm-1283	33	1	in	in	ADP
arjefm-1283	33	2	nigeria	nigeria	PROPN
arjefm-1283	33	3	,	,	PUNCT
arjefm-1283	33	4	the	the	DET
arjefm-1283	33	5	cbn	cbn	PROPN
arjefm-1283	33	6	guidance	guidance	NOUN
arjefm-1283	33	7	notes	note	NOUN
arjefm-1283	33	8	on	on	ADP
arjefm-1283	33	9	regulatory	regulatory	ADJ
arjefm-1283	33	10	capital	capital	NOUN
arjefm-1283	33	11	(	(	PUNCT
arjefm-1283	33	12	2018	2018	NUM
arjefm-1283	33	13	)	)	PUNCT
arjefm-1283	33	14	classifies	classify	VERB
arjefm-1283	33	15	tier	tier	NOUN
arjefm-1283	33	16	i	i	PRON
arjefm-1283	33	17	capital	capital	VERB
arjefm-1283	33	18	into	into	ADP
arjefm-1283	33	19	seven	seven	NUM
arjefm-1283	33	20	components	component	NOUN
arjefm-1283	33	21	,	,	PUNCT
arjefm-1283	33	22	namely	namely	ADV
arjefm-1283	33	23	:	:	PUNCT
arjefm-1283	33	24	paid	pay	VERB
arjefm-1283	33	25	-	-	PUNCT
arjefm-1283	33	26	up	up	ADP
arjefm-1283	33	27	share	share	NOUN
arjefm-1283	33	28	capital	capital	NOUN
arjefm-1283	33	29	,	,	PUNCT
arjefm-1283	33	30	irredeemable	irredeemable	ADJ
arjefm-1283	33	31	preference	preference	NOUN
arjefm-1283	33	32	shares	share	NOUN
arjefm-1283	33	33	,	,	PUNCT
arjefm-1283	33	34	share	share	NOUN
arjefm-1283	33	35	premiums	premium	NOUN
arjefm-1283	33	36	,	,	PUNCT
arjefm-1283	33	37	general	general	ADJ
arjefm-1283	33	38	reserves	reserve	NOUN
arjefm-1283	33	39	(	(	PUNCT
arjefm-1283	33	40	retained	retain	VERB
arjefm-1283	33	41	earnings	earning	NOUN
arjefm-1283	33	42	)	)	PUNCT
arjefm-1283	33	43	,	,	PUNCT
arjefm-1283	33	44	smeeis	smeeis	PROPN
arjefm-1283	33	45	reserves	reserve	NOUN
arjefm-1283	33	46	,	,	PUNCT
arjefm-1283	33	47	statutory	statutory	ADJ
arjefm-1283	33	48	reserve	reserve	NOUN
arjefm-1283	33	49	and	and	CCONJ
arjefm-1283	33	50	other	other	ADJ
arjefm-1283	33	51	reserves	reserve	NOUN
arjefm-1283	33	52	as	as	SCONJ
arjefm-1283	33	53	may	may	AUX
arjefm-1283	33	54	be	be	AUX
arjefm-1283	33	55	determined	determine	VERB
arjefm-1283	33	56	by	by	ADP
arjefm-1283	33	57	the	the	DET
arjefm-1283	33	58	cbn	cbn	PROPN
arjefm-1283	33	59	from	from	ADP
arjefm-1283	33	60	time	time	NOUN
arjefm-1283	33	61	to	to	ADP
arjefm-1283	33	62	time	time	NOUN
arjefm-1283	33	63	.	.	PUNCT
arjefm-1283	34	1	for	for	ADP
arjefm-1283	34	2	the	the	DET
arjefm-1283	34	3	purpose	purpose	NOUN
arjefm-1283	34	4	of	of	ADP
arjefm-1283	34	5	this	this	DET
arjefm-1283	34	6	study	study	NOUN
arjefm-1283	34	7	,	,	PUNCT
arjefm-1283	34	8	however	however	ADV
arjefm-1283	34	9	,	,	PUNCT
arjefm-1283	34	10	we	we	PRON
arjefm-1283	34	11	will	will	AUX
arjefm-1283	34	12	adopt	adopt	VERB
arjefm-1283	34	13	,	,	PUNCT
arjefm-1283	34	14	paid	pay	VERB
arjefm-1283	34	15	up	up	ADP
arjefm-1283	34	16	share	share	NOUN
arjefm-1283	34	17	capital	capital	NOUN
arjefm-1283	34	18	and	and	CCONJ
arjefm-1283	34	19	statutory	statutory	ADJ
arjefm-1283	34	20	reserve	reserve	NOUN
arjefm-1283	34	21	as	as	ADP
arjefm-1283	34	22	the	the	DET
arjefm-1283	34	23	independent	independent	ADJ
arjefm-1283	34	24	variables	variable	NOUN
arjefm-1283	34	25	and	and	CCONJ
arjefm-1283	34	26	proxies	proxy	NOUN
arjefm-1283	34	27	for	for	ADP
arjefm-1283	34	28	components	component	NOUN
arjefm-1283	34	29	of	of	ADP
arjefm-1283	34	30	tier	tier	NOUN
arjefm-1283	34	31	i	i	NOUN
arjefm-1283	34	32	capital	capital	NOUN
arjefm-1283	34	33	.	.	PUNCT
arjefm-1283	35	1	paid	pay	VERB
arjefm-1283	35	2	-	-	PUNCT
arjefm-1283	35	3	up	up	ADP
arjefm-1283	35	4	capital	capital	NOUN
arjefm-1283	35	5	is	be	AUX
arjefm-1283	35	6	the	the	DET
arjefm-1283	35	7	amount	amount	NOUN
arjefm-1283	35	8	of	of	ADP
arjefm-1283	35	9	money	money	NOUN
arjefm-1283	35	10	a	a	DET
arjefm-1283	35	11	company	company	NOUN
arjefm-1283	35	12	has	have	AUX
arjefm-1283	35	13	received	receive	VERB
arjefm-1283	35	14	from	from	ADP
arjefm-1283	35	15	shareholders	shareholder	NOUN
arjefm-1283	35	16	in	in	ADP
arjefm-1283	35	17	exchange	exchange	NOUN
arjefm-1283	35	18	for	for	ADP
arjefm-1283	35	19	shares	share	NOUN
arjefm-1283	35	20	of	of	ADP
arjefm-1283	35	21	stock	stock	NOUN
arjefm-1283	35	22	.	.	PUNCT
arjefm-1283	36	1	paid	pay	VERB
arjefm-1283	36	2	-	-	PUNCT
arjefm-1283	36	3	up	up	ADP
arjefm-1283	36	4	capital	capital	NOUN
arjefm-1283	36	5	is	be	AUX
arjefm-1283	36	6	created	create	VERB
arjefm-1283	36	7	when	when	SCONJ
arjefm-1283	36	8	a	a	DET
arjefm-1283	36	9	company	company	NOUN
arjefm-1283	36	10	sells	sell	VERB
arjefm-1283	36	11	its	its	PRON
arjefm-1283	36	12	shares	share	NOUN
arjefm-1283	36	13	on	on	ADP
arjefm-1283	36	14	the	the	DET
arjefm-1283	36	15	primary	primary	ADJ
arjefm-1283	36	16	market	market	NOUN
arjefm-1283	36	17	directly	directly	ADV
arjefm-1283	36	18	to	to	ADP
arjefm-1283	36	19	investors	investor	NOUN
arjefm-1283	36	20	,	,	PUNCT
arjefm-1283	36	21	usually	usually	ADV
arjefm-1283	36	22	through	through	ADP
arjefm-1283	36	23	an	an	DET
arjefm-1283	36	24	initial	initial	ADJ
arjefm-1283	36	25	public	public	ADJ
arjefm-1283	36	26	offering	offering	NOUN
arjefm-1283	36	27	(	(	PUNCT
arjefm-1283	36	28	ipo	ipo	NOUN
arjefm-1283	36	29	)	)	PUNCT
arjefm-1283	36	30	.	.	PUNCT
arjefm-1283	37	1	when	when	SCONJ
arjefm-1283	37	2	shares	share	NOUN
arjefm-1283	37	3	are	be	AUX
arjefm-1283	37	4	bought	buy	VERB
arjefm-1283	37	5	and	and	CCONJ
arjefm-1283	37	6	sold	sell	VERB
arjefm-1283	37	7	among	among	ADP
arjefm-1283	37	8	investors	investor	NOUN
arjefm-1283	37	9	on	on	ADP
arjefm-1283	37	10	the	the	DET
arjefm-1283	37	11	secondary	secondary	ADJ
arjefm-1283	37	12	market	market	NOUN
arjefm-1283	37	13	,	,	PUNCT
arjefm-1283	37	14	no	no	DET
arjefm-1283	37	15	additional	additional	ADJ
arjefm-1283	37	16	paid	pay	VERB
arjefm-1283	37	17	-	-	PUNCT
arjefm-1283	37	18	up	up	ADP
arjefm-1283	37	19	capital	capital	NOUN
arjefm-1283	37	20	is	be	AUX
arjefm-1283	37	21	created	create	VERB
arjefm-1283	37	22	as	as	SCONJ
arjefm-1283	37	23	proceeds	proceed	NOUN
arjefm-1283	37	24	in	in	ADP
arjefm-1283	37	25	those	those	DET
arjefm-1283	37	26	transactions	transaction	NOUN
arjefm-1283	37	27	go	go	VERB
arjefm-1283	37	28	to	to	ADP
arjefm-1283	37	29	the	the	DET
arjefm-1283	37	30	selling	sell	VERB
arjefm-1283	37	31	shareholders	shareholder	NOUN
arjefm-1283	37	32	,	,	PUNCT
arjefm-1283	37	33	not	not	PART
arjefm-1283	37	34	the	the	DET
arjefm-1283	37	35	issuing	issue	VERB
arjefm-1283	37	36	company	company	NOUN
arjefm-1283	37	37	(	(	PUNCT
arjefm-1283	37	38	chen	chen	PROPN
arjefm-1283	37	39	,	,	PUNCT
arjefm-1283	37	40	2020	2020	NUM
arjefm-1283	37	41	)	)	PUNCT
arjefm-1283	37	42	.	.	PUNCT
arjefm-1283	38	1	retained	retain	VERB
arjefm-1283	38	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	38	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	39	1	https://www.investopedia.com/contributors/53895/	https://www.investopedia.com/contributors/53895/	PROPN
arjefm-1283	39	2	https://www.investopedia.com/terms/f/financial-health.asp	https://www.investopedia.com/terms/f/financial-health.asp	VERB
arjefm-1283	39	3	https://www.quora.com/profile/karthik-raja-924	https://www.quora.com/profile/karthik-raja-924	PROPN
arjefm-1283	39	4	https://www.investopedia.com/terms/s/secondarymarket.asp	https://www.investopedia.com/terms/s/secondarymarket.asp	PROPN
arjefm-1283	39	5	american	american	ADJ
arjefm-1283	39	6	research	research	NOUN
arjefm-1283	39	7	journal	journal	PROPN
arjefm-1283	39	8	of	of	ADP
arjefm-1283	39	9	economics	economic	NOUN
arjefm-1283	39	10	,	,	PUNCT
arjefm-1283	39	11	finance	finance	NOUN
arjefm-1283	39	12	and	and	CCONJ
arjefm-1283	39	13	management	management	NOUN
arjefm-1283	39	14	volume	volume	NOUN
arjefm-1283	39	15	13	13	NUM
arjefm-1283	39	16	issue	issue	NOUN
arjefm-1283	39	17	4	4	NUM
arjefm-1283	39	18	,	,	PUNCT
arjefm-1283	39	19	october	october	PROPN
arjefm-1283	39	20	-	-	PUNCT
arjefm-1283	39	21	december	december	PROPN
arjefm-1283	39	22	2025	2025	NUM
arjefm-1283	39	23	issn	issn	NOUN
arjefm-1283	39	24	:	:	PUNCT
arjefm-1283	39	25	2836	2836	NUM
arjefm-1283	39	26	-	-	SYM
arjefm-1283	39	27	9416	9416	NUM
arjefm-1283	39	28	impact	impact	NOUN
arjefm-1283	39	29	factor	factor	NOUN
arjefm-1283	39	30	:	:	PUNCT
arjefm-1283	39	31	6.41	6.41	NUM
arjefm-1283	39	32	journal	journal	NOUN
arjefm-1283	39	33	homepage	homepage	NOUN
arjefm-1283	39	34	:	:	PUNCT
arjefm-1283	39	35	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	39	36	email	email	NOUN
arjefm-1283	39	37	:	:	PUNCT
arjefm-1283	39	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	39	39	official	official	ADJ
arjefm-1283	39	40	journal	journal	PROPN
arjefm-1283	39	41	of	of	ADP
arjefm-1283	39	42	america	america	PROPN
arjefm-1283	39	43	serial	serial	PROPN
arjefm-1283	39	44	publication	publication	NOUN
arjefm-1283	39	45	american	american	PROPN
arjefm-1283	39	46	research	research	PROPN
arjefm-1283	39	47	journal	journal	PROPN
arjefm-1283	39	48	of	of	ADP
arjefm-1283	39	49	economics	economic	NOUN
arjefm-1283	39	50	,	,	PUNCT
arjefm-1283	39	51	finance	finance	NOUN
arjefm-1283	39	52	and	and	CCONJ
arjefm-1283	39	53	management	management	NOUN
arjefm-1283	39	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	39	55	,	,	PUNCT
arjefm-1283	39	56	email	email	NOUN
arjefm-1283	39	57	:	:	PUNCT
arjefm-1283	39	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	40	1	32	32	NUM
arjefm-1283	41	1	|	|	ADV
arjefm-1283	41	2	p	p	X
arjefm-1283	41	3	a	a	DET
arjefm-1283	41	4	g	g	NOUN
arjefm-1283	41	5	e	e	NOUN
arjefm-1283	41	6	earnings	earning	NOUN
arjefm-1283	41	7	are	be	AUX
arjefm-1283	41	8	undistributed	undistribute	VERB
arjefm-1283	41	9	earnings	earning	NOUN
arjefm-1283	41	10	that	that	PRON
arjefm-1283	41	11	have	have	AUX
arjefm-1283	41	12	not	not	PART
arjefm-1283	41	13	been	be	AUX
arjefm-1283	41	14	paid	pay	VERB
arjefm-1283	41	15	to	to	ADP
arjefm-1283	41	16	stockholders	stockholder	NOUN
arjefm-1283	41	17	or	or	CCONJ
arjefm-1283	41	18	transferred	transfer	VERB
arjefm-1283	41	19	to	to	ADP
arjefm-1283	41	20	a	a	DET
arjefm-1283	41	21	surplus	surplus	ADJ
arjefm-1283	41	22	account	account	NOUN
arjefm-1283	41	23	.	.	PUNCT
arjefm-1283	42	1	retained	retain	VERB
arjefm-1283	42	2	earnings	earning	NOUN
arjefm-1283	42	3	are	be	AUX
arjefm-1283	42	4	part	part	NOUN
arjefm-1283	42	5	of	of	ADP
arjefm-1283	42	6	a	a	DET
arjefm-1283	42	7	bank	bank	NOUN
arjefm-1283	42	8	's	's	PART
arjefm-1283	42	9	net	net	ADJ
arjefm-1283	42	10	worth	worth	NOUN
arjefm-1283	42	11	,	,	PUNCT
arjefm-1283	42	12	or	or	CCONJ
arjefm-1283	42	13	capital	capital	NOUN
arjefm-1283	42	14	and	and	CCONJ
arjefm-1283	42	15	surplus	surplus	NOUN
arjefm-1283	42	16	.	.	PUNCT
arjefm-1283	43	1	retained	retain	VERB
arjefm-1283	43	2	earnings	earning	NOUN
arjefm-1283	43	3	are	be	AUX
arjefm-1283	43	4	also	also	ADV
arjefm-1283	43	5	known	know	VERB
arjefm-1283	43	6	as	as	ADP
arjefm-1283	43	7	retained	retain	VERB
arjefm-1283	43	8	surplus	surplus	NOUN
arjefm-1283	43	9	.	.	PUNCT
arjefm-1283	44	1	it	it	PRON
arjefm-1283	44	2	represents	represent	VERB
arjefm-1283	44	3	that	that	DET
arjefm-1283	44	4	portion	portion	NOUN
arjefm-1283	44	5	of	of	ADP
arjefm-1283	44	6	a	a	DET
arjefm-1283	44	7	company	company	NOUN
arjefm-1283	44	8	's	's	PART
arjefm-1283	44	9	profits	profit	NOUN
arjefm-1283	44	10	that	that	SCONJ
arjefm-1283	44	11	it	it	PRON
arjefm-1283	44	12	keeps	keep	VERB
arjefm-1283	44	13	to	to	PART
arjefm-1283	44	14	reinvest	reinvest	VERB
arjefm-1283	44	15	in	in	ADP
arjefm-1283	44	16	the	the	DET
arjefm-1283	44	17	business	business	NOUN
arjefm-1283	44	18	or	or	CCONJ
arjefm-1283	44	19	pay	pay	VERB
arjefm-1283	44	20	off	off	ADP
arjefm-1283	44	21	debt	debt	NOUN
arjefm-1283	44	22	,	,	PUNCT
arjefm-1283	44	23	rather	rather	ADV
arjefm-1283	44	24	than	than	ADP
arjefm-1283	44	25	paying	pay	VERB
arjefm-1283	44	26	them	they	PRON
arjefm-1283	44	27	out	out	ADP
arjefm-1283	44	28	as	as	ADP
arjefm-1283	44	29	dividends	dividend	NOUN
arjefm-1283	44	30	to	to	ADP
arjefm-1283	44	31	its	its	PRON
arjefm-1283	44	32	investors	investor	NOUN
arjefm-1283	44	33	.	.	PUNCT
arjefm-1283	45	1	retained	retain	VERB
arjefm-1283	45	2	earnings	earning	NOUN
arjefm-1283	45	3	are	be	AUX
arjefm-1283	45	4	one	one	NUM
arjefm-1283	45	5	component	component	NOUN
arjefm-1283	45	6	of	of	ADP
arjefm-1283	45	7	the	the	DET
arjefm-1283	45	8	corporation	corporation	NOUN
arjefm-1283	45	9	's	's	PART
arjefm-1283	45	10	net	net	ADJ
arjefm-1283	45	11	worth	worth	NOUN
arjefm-1283	45	12	and	and	CCONJ
arjefm-1283	45	13	increase	increase	VERB
arjefm-1283	45	14	the	the	DET
arjefm-1283	45	15	supply	supply	NOUN
arjefm-1283	45	16	of	of	ADP
arjefm-1283	45	17	cash	cash	NOUN
arjefm-1283	45	18	that	that	PRON
arjefm-1283	45	19	's	be	AUX
arjefm-1283	45	20	available	available	ADJ
arjefm-1283	45	21	for	for	ADP
arjefm-1283	45	22	acquisitions	acquisition	NOUN
arjefm-1283	45	23	,	,	PUNCT
arjefm-1283	45	24	repurchase	repurchase	VERB
arjefm-1283	45	25	of	of	ADP
arjefm-1283	45	26	outstanding	outstanding	ADJ
arjefm-1283	45	27	shares	share	NOUN
arjefm-1283	45	28	,	,	PUNCT
arjefm-1283	45	29	or	or	CCONJ
arjefm-1283	45	30	other	other	ADJ
arjefm-1283	45	31	expenditures	expenditure	NOUN
arjefm-1283	45	32	the	the	DET
arjefm-1283	45	33	board	board	NOUN
arjefm-1283	45	34	of	of	ADP
arjefm-1283	45	35	directors	director	NOUN
arjefm-1283	45	36	authorizes	authorize	VERB
arjefm-1283	45	37	(	(	PUNCT
arjefm-1283	45	38	scott	scott	PROPN
arjefm-1283	45	39	,	,	PUNCT
arjefm-1283	45	40	2003	2003	NUM
arjefm-1283	45	41	)	)	PUNCT
arjefm-1283	45	42	.	.	PUNCT
arjefm-1283	46	1	a	a	DET
arjefm-1283	46	2	statutory	statutory	ADJ
arjefm-1283	46	3	reserve	reserve	NOUN
arjefm-1283	46	4	is	be	AUX
arjefm-1283	46	5	an	an	DET
arjefm-1283	46	6	amount	amount	NOUN
arjefm-1283	46	7	of	of	ADP
arjefm-1283	46	8	cash	cash	NOUN
arjefm-1283	46	9	a	a	DET
arjefm-1283	46	10	financial	financial	ADJ
arjefm-1283	46	11	institution	institution	NOUN
arjefm-1283	46	12	,	,	PUNCT
arjefm-1283	46	13	such	such	ADJ
arjefm-1283	46	14	as	as	ADP
arjefm-1283	46	15	a	a	DET
arjefm-1283	46	16	bank	bank	NOUN
arjefm-1283	46	17	,	,	PUNCT
arjefm-1283	46	18	credit	credit	NOUN
arjefm-1283	46	19	union	union	NOUN
arjefm-1283	46	20	,	,	PUNCT
arjefm-1283	46	21	or	or	CCONJ
arjefm-1283	46	22	insurance	insurance	NOUN
arjefm-1283	46	23	company	company	NOUN
arjefm-1283	46	24	,	,	PUNCT
arjefm-1283	46	25	must	must	AUX
arjefm-1283	46	26	keep	keep	VERB
arjefm-1283	46	27	on	on	ADP
arjefm-1283	46	28	hand	hand	NOUN
arjefm-1283	46	29	to	to	PART
arjefm-1283	46	30	meet	meet	VERB
arjefm-1283	46	31	the	the	DET
arjefm-1283	46	32	obligations	obligation	NOUN
arjefm-1283	46	33	incurred	incur	VERB
arjefm-1283	46	34	by	by	ADP
arjefm-1283	46	35	virtue	virtue	NOUN
arjefm-1283	46	36	of	of	ADP
arjefm-1283	46	37	accepting	accept	VERB
arjefm-1283	46	38	deposits	deposit	NOUN
arjefm-1283	46	39	and	and	CCONJ
arjefm-1283	46	40	premium	premium	NOUN
arjefm-1283	46	41	payments	payment	NOUN
arjefm-1283	46	42	.	.	PUNCT
arjefm-1283	47	1	the	the	DET
arjefm-1283	47	2	statutory	statutory	ADJ
arjefm-1283	47	3	reserves	reserve	NOUN
arjefm-1283	47	4	required	require	VERB
arjefm-1283	47	5	of	of	ADP
arjefm-1283	47	6	banks	bank	NOUN
arjefm-1283	47	7	and	and	CCONJ
arjefm-1283	47	8	credit	credit	NOUN
arjefm-1283	47	9	unions	union	NOUN
arjefm-1283	47	10	are	be	AUX
arjefm-1283	47	11	generally	generally	ADV
arjefm-1283	47	12	set	set	VERB
arjefm-1283	47	13	by	by	ADP
arjefm-1283	47	14	the	the	DET
arjefm-1283	47	15	nation	nation	NOUN
arjefm-1283	47	16	's	's	PART
arjefm-1283	47	17	central	central	ADJ
arjefm-1283	47	18	bank	bank	NOUN
arjefm-1283	47	19	,	,	PUNCT
arjefm-1283	47	20	and	and	CCONJ
arjefm-1283	47	21	those	those	PRON
arjefm-1283	47	22	required	require	VERB
arjefm-1283	47	23	of	of	ADP
arjefm-1283	47	24	insurance	insurance	NOUN
arjefm-1283	47	25	companies	company	NOUN
arjefm-1283	47	26	are	be	AUX
arjefm-1283	47	27	set	set	VERB
arjefm-1283	47	28	by	by	ADP
arjefm-1283	47	29	statute	statute	NOUN
arjefm-1283	47	30	or	or	CCONJ
arjefm-1283	47	31	regulation	regulation	NOUN
arjefm-1283	47	32	by	by	ADP
arjefm-1283	47	33	the	the	DET
arjefm-1283	47	34	national	national	ADJ
arjefm-1283	47	35	,	,	PUNCT
arjefm-1283	47	36	state	state	NOUN
arjefm-1283	47	37	or	or	CCONJ
arjefm-1283	47	38	provincial	provincial	ADJ
arjefm-1283	47	39	government	government	NOUN
arjefm-1283	47	40	or	or	CCONJ
arjefm-1283	47	41	regulatory	regulatory	ADJ
arjefm-1283	47	42	authority	authority	NOUN
arjefm-1283	47	43	.	.	PUNCT
arjefm-1283	48	1	calculated	calculate	VERB
arjefm-1283	48	2	in	in	ADP
arjefm-1283	48	3	various	various	ADJ
arjefm-1283	48	4	ways	way	NOUN
arjefm-1283	48	5	,	,	PUNCT
arjefm-1283	48	6	statutory	statutory	ADJ
arjefm-1283	48	7	reserves	reserve	NOUN
arjefm-1283	48	8	are	be	AUX
arjefm-1283	48	9	required	require	VERB
arjefm-1283	48	10	to	to	PART
arjefm-1283	48	11	ensure	ensure	VERB
arjefm-1283	48	12	that	that	SCONJ
arjefm-1283	48	13	financial	financial	ADJ
arjefm-1283	48	14	institutions	institution	NOUN
arjefm-1283	48	15	are	be	AUX
arjefm-1283	48	16	capable	capable	ADJ
arjefm-1283	48	17	of	of	ADP
arjefm-1283	48	18	paying	pay	VERB
arjefm-1283	48	19	claims	claim	NOUN
arjefm-1283	48	20	even	even	ADV
arjefm-1283	48	21	in	in	ADP
arjefm-1283	48	22	a	a	DET
arjefm-1283	48	23	calamitous	calamitous	ADJ
arjefm-1283	48	24	situation	situation	NOUN
arjefm-1283	48	25	.	.	PUNCT
arjefm-1283	49	1	a	a	DET
arjefm-1283	49	2	statutory	statutory	ADJ
arjefm-1283	49	3	reserve	reserve	NOUN
arjefm-1283	49	4	is	be	AUX
arjefm-1283	49	5	usually	usually	ADV
arjefm-1283	49	6	kept	keep	VERB
arjefm-1283	49	7	as	as	ADP
arjefm-1283	49	8	on	on	ADP
arjefm-1283	49	9	deposit	deposit	NOUN
arjefm-1283	49	10	with	with	ADP
arjefm-1283	49	11	the	the	DET
arjefm-1283	49	12	central	central	ADJ
arjefm-1283	49	13	bank	bank	NOUN
arjefm-1283	49	14	of	of	ADP
arjefm-1283	49	15	a	a	DET
arjefm-1283	49	16	country	country	NOUN
arjefm-1283	49	17	(	(	PUNCT
arjefm-1283	49	18	marshal	marshal	NOUN
arjefm-1283	49	19	,	,	PUNCT
arjefm-1283	49	20	2020	2020	NUM
arjefm-1283	49	21	)	)	PUNCT
arjefm-1283	49	22	.	.	PUNCT
arjefm-1283	50	1	a	a	DET
arjefm-1283	50	2	company	company	NOUN
arjefm-1283	50	3	issues	issue	VERB
arjefm-1283	50	4	its	its	PRON
arjefm-1283	50	5	shares	share	NOUN
arjefm-1283	50	6	at	at	ADP
arjefm-1283	50	7	a	a	DET
arjefm-1283	50	8	premium	premium	NOUN
arjefm-1283	50	9	when	when	SCONJ
arjefm-1283	50	10	the	the	DET
arjefm-1283	50	11	price	price	NOUN
arjefm-1283	50	12	at	at	ADP
arjefm-1283	50	13	which	which	PRON
arjefm-1283	50	14	it	it	PRON
arjefm-1283	50	15	sells	sell	VERB
arjefm-1283	50	16	the	the	DET
arjefm-1283	50	17	shares	share	NOUN
arjefm-1283	50	18	is	be	AUX
arjefm-1283	50	19	higher	high	ADJ
arjefm-1283	50	20	than	than	ADP
arjefm-1283	50	21	their	their	PRON
arjefm-1283	50	22	par	par	NOUN
arjefm-1283	50	23	value	value	NOUN
arjefm-1283	50	24	.	.	PUNCT
arjefm-1283	51	1	this	this	PRON
arjefm-1283	51	2	is	be	AUX
arjefm-1283	51	3	quite	quite	ADV
arjefm-1283	51	4	common	common	ADJ
arjefm-1283	51	5	,	,	PUNCT
arjefm-1283	51	6	since	since	SCONJ
arjefm-1283	51	7	the	the	DET
arjefm-1283	51	8	par	par	NOUN
arjefm-1283	51	9	value	value	NOUN
arjefm-1283	51	10	is	be	AUX
arjefm-1283	51	11	typically	typically	ADV
arjefm-1283	51	12	set	set	VERB
arjefm-1283	51	13	at	at	ADP
arjefm-1283	51	14	a	a	DET
arjefm-1283	51	15	minimal	minimal	ADJ
arjefm-1283	51	16	value	value	NOUN
arjefm-1283	51	17	.	.	PUNCT
arjefm-1283	52	1	the	the	DET
arjefm-1283	52	2	amount	amount	NOUN
arjefm-1283	52	3	of	of	ADP
arjefm-1283	52	4	the	the	DET
arjefm-1283	52	5	premium	premium	NOUN
arjefm-1283	52	6	is	be	AUX
arjefm-1283	52	7	the	the	DET
arjefm-1283	52	8	difference	difference	NOUN
arjefm-1283	52	9	between	between	ADP
arjefm-1283	52	10	the	the	DET
arjefm-1283	52	11	par	par	NOUN
arjefm-1283	52	12	value	value	NOUN
arjefm-1283	52	13	and	and	CCONJ
arjefm-1283	52	14	the	the	DET
arjefm-1283	52	15	selling	selling	NOUN
arjefm-1283	52	16	price	price	NOUN
arjefm-1283	52	17	.	.	PUNCT
arjefm-1283	53	1	if	if	SCONJ
arjefm-1283	53	2	shares	share	NOUN
arjefm-1283	53	3	do	do	AUX
arjefm-1283	53	4	not	not	PART
arjefm-1283	53	5	have	have	VERB
arjefm-1283	53	6	a	a	DET
arjefm-1283	53	7	par	par	NOUN
arjefm-1283	53	8	value	value	NOUN
arjefm-1283	53	9	,	,	PUNCT
arjefm-1283	53	10	then	then	ADV
arjefm-1283	53	11	there	there	PRON
arjefm-1283	53	12	is	be	VERB
arjefm-1283	53	13	no	no	DET
arjefm-1283	53	14	premium	premium	NOUN
arjefm-1283	53	15	(	(	PUNCT
arjefm-1283	53	16	bragg	bragg	PROPN
arjefm-1283	53	17	,	,	PUNCT
arjefm-1283	53	18	2020	2020	NUM
arjefm-1283	53	19	)	)	PUNCT
arjefm-1283	53	20	.	.	PUNCT
arjefm-1283	54	1	loans	loan	NOUN
arjefm-1283	54	2	/	/	SYM
arjefm-1283	54	3	advances	advance	NOUN
arjefm-1283	54	4	is	be	AUX
arjefm-1283	54	5	the	the	DET
arjefm-1283	54	6	independent	independent	ADJ
arjefm-1283	54	7	variable	variable	NOUN
arjefm-1283	54	8	of	of	ADP
arjefm-1283	54	9	the	the	DET
arjefm-1283	54	10	study	study	NOUN
arjefm-1283	54	11	.	.	PUNCT
arjefm-1283	55	1	loans	loan	NOUN
arjefm-1283	55	2	and	and	CCONJ
arjefm-1283	55	3	advances	advance	NOUN
arjefm-1283	55	4	refer	refer	VERB
arjefm-1283	55	5	to	to	ADP
arjefm-1283	55	6	a	a	DET
arjefm-1283	55	7	debt	debt	NOUN
arjefm-1283	55	8	provided	provide	VERB
arjefm-1283	55	9	by	by	ADP
arjefm-1283	55	10	a	a	DET
arjefm-1283	55	11	financial	financial	ADJ
arjefm-1283	55	12	institution	institution	NOUN
arjefm-1283	55	13	for	for	ADP
arjefm-1283	55	14	a	a	DET
arjefm-1283	55	15	particular	particular	ADJ
arjefm-1283	55	16	period	period	NOUN
arjefm-1283	55	17	while	while	SCONJ
arjefm-1283	55	18	advances	advance	NOUN
arjefm-1283	55	19	are	be	AUX
arjefm-1283	55	20	the	the	DET
arjefm-1283	55	21	funds	fund	NOUN
arjefm-1283	55	22	provided	provide	VERB
arjefm-1283	55	23	by	by	ADP
arjefm-1283	55	24	the	the	DET
arjefm-1283	55	25	banks	bank	NOUN
arjefm-1283	55	26	to	to	ADP
arjefm-1283	55	27	the	the	DET
arjefm-1283	55	28	business	business	NOUN
arjefm-1283	55	29	to	to	PART
arjefm-1283	55	30	fulfill	fulfill	VERB
arjefm-1283	55	31	working	work	VERB
arjefm-1283	55	32	capital	capital	NOUN
arjefm-1283	55	33	requirements	requirement	NOUN
arjefm-1283	55	34	,	,	PUNCT
arjefm-1283	55	35	which	which	PRON
arjefm-1283	55	36	are	be	AUX
arjefm-1283	55	37	to	to	PART
arjefm-1283	55	38	be	be	AUX
arjefm-1283	55	39	payable	payable	ADJ
arjefm-1283	55	40	within	within	ADP
arjefm-1283	55	41	one	one	NUM
arjefm-1283	55	42	year	year	NOUN
arjefm-1283	55	43	.	.	PUNCT
arjefm-1283	56	1	loan	loan	NOUN
arjefm-1283	56	2	and	and	CCONJ
arjefm-1283	56	3	advances	advance	NOUN
arjefm-1283	56	4	is	be	AUX
arjefm-1283	56	5	the	the	DET
arjefm-1283	56	6	most	most	ADV
arjefm-1283	56	7	important	important	ADJ
arjefm-1283	56	8	asset	asset	NOUN
arjefm-1283	56	9	as	as	ADV
arjefm-1283	56	10	well	well	ADV
arjefm-1283	56	11	as	as	ADP
arjefm-1283	56	12	the	the	DET
arjefm-1283	56	13	primary	primary	ADJ
arjefm-1283	56	14	sources	source	NOUN
arjefm-1283	56	15	of	of	ADP
arjefm-1283	56	16	earning	earning	NOUN
arjefm-1283	56	17	of	of	ADP
arjefm-1283	56	18	banks	bank	NOUN
arjefm-1283	56	19	,	,	PUNCT
arjefm-1283	56	20	which	which	PRON
arjefm-1283	56	21	help	help	VERB
arjefm-1283	56	22	to	to	PART
arjefm-1283	56	23	improve	improve	VERB
arjefm-1283	56	24	the	the	DET
arjefm-1283	56	25	financial	financial	ADJ
arjefm-1283	56	26	health	health	NOUN
arjefm-1283	56	27	of	of	ADP
arjefm-1283	56	28	banks	bank	NOUN
arjefm-1283	56	29	(	(	PUNCT
arjefm-1283	56	30	surbhi	surbhi	NOUN
arjefm-1283	56	31	,	,	PUNCT
arjefm-1283	56	32	2015	2015	NUM
arjefm-1283	56	33	)	)	PUNCT
arjefm-1283	56	34	.	.	PUNCT
arjefm-1283	57	1	1.2	1.2	NUM
arjefm-1283	57	2	statement	statement	NOUN
arjefm-1283	57	3	of	of	ADP
arjefm-1283	57	4	the	the	DET
arjefm-1283	57	5	problem	problem	NOUN
arjefm-1283	57	6	tier	tier	NOUN
arjefm-1283	57	7	i	i	PRON
arjefm-1283	57	8	capital	capital	NOUN
arjefm-1283	57	9	is	be	AUX
arjefm-1283	57	10	the	the	DET
arjefm-1283	57	11	primary	primary	ADJ
arjefm-1283	57	12	funding	funding	NOUN
arjefm-1283	57	13	source	source	NOUN
arjefm-1283	57	14	of	of	ADP
arjefm-1283	57	15	the	the	DET
arjefm-1283	57	16	bank	bank	NOUN
arjefm-1283	57	17	and	and	CCONJ
arjefm-1283	57	18	is	be	AUX
arjefm-1283	57	19	the	the	DET
arjefm-1283	57	20	assets	asset	NOUN
arjefm-1283	57	21	a	a	DET
arjefm-1283	57	22	bank	bank	NOUN
arjefm-1283	57	23	holds	hold	VERB
arjefm-1283	57	24	in	in	ADP
arjefm-1283	57	25	order	order	NOUN
arjefm-1283	57	26	to	to	PART
arjefm-1283	57	27	continue	continue	VERB
arjefm-1283	57	28	providing	provide	VERB
arjefm-1283	57	29	for	for	ADP
arjefm-1283	57	30	the	the	DET
arjefm-1283	57	31	business	business	NOUN
arjefm-1283	57	32	needs	need	NOUN
arjefm-1283	57	33	of	of	ADP
arjefm-1283	57	34	its	its	PRON
arjefm-1283	57	35	customers	customer	NOUN
arjefm-1283	57	36	.	.	PUNCT
arjefm-1283	58	1	the	the	DET
arjefm-1283	58	2	capital	capital	NOUN
arjefm-1283	58	3	helps	help	VERB
arjefm-1283	58	4	to	to	PART
arjefm-1283	58	5	ensure	ensure	VERB
arjefm-1283	58	6	there	there	PRON
arjefm-1283	58	7	is	be	VERB
arjefm-1283	58	8	enough	enough	ADJ
arjefm-1283	58	9	money	money	NOUN
arjefm-1283	58	10	to	to	PART
arjefm-1283	58	11	fulfill	fulfill	VERB
arjefm-1283	58	12	banking	banking	NOUN
arjefm-1283	58	13	needs	need	NOUN
arjefm-1283	58	14	including	include	VERB
arjefm-1283	58	15	providing	provide	VERB
arjefm-1283	58	16	loans	loan	NOUN
arjefm-1283	58	17	and	and	CCONJ
arjefm-1283	58	18	advances	advance	NOUN
arjefm-1283	58	19	to	to	ADP
arjefm-1283	58	20	customers	customer	NOUN
arjefm-1283	58	21	of	of	ADP
arjefm-1283	58	22	the	the	DET
arjefm-1283	58	23	bank	bank	NOUN
arjefm-1283	58	24	.	.	PUNCT
arjefm-1283	59	1	the	the	DET
arjefm-1283	59	2	components	component	NOUN
arjefm-1283	59	3	of	of	ADP
arjefm-1283	59	4	tier	tier	NOUN
arjefm-1283	59	5	1	1	NUM
arjefm-1283	59	6	capital	capital	NOUN
arjefm-1283	59	7	includes	include	VERB
arjefm-1283	59	8	ordinary	ordinary	ADJ
arjefm-1283	59	9	share	share	NOUN
arjefm-1283	59	10	capital	capital	NOUN
arjefm-1283	59	11	,	,	PUNCT
arjefm-1283	59	12	general	general	ADJ
arjefm-1283	59	13	reserve	reserve	PROPN
arjefm-1283	59	14	or	or	CCONJ
arjefm-1283	59	15	retained	retain	VERB
arjefm-1283	59	16	earnings	earning	NOUN
arjefm-1283	59	17	,	,	PUNCT
arjefm-1283	59	18	and	and	CCONJ
arjefm-1283	59	19	preferred	preferred	ADJ
arjefm-1283	59	20	share	share	NOUN
arjefm-1283	59	21	capital	capital	NOUN
arjefm-1283	59	22	.	.	PUNCT
arjefm-1283	60	1	the	the	DET
arjefm-1283	60	2	amount	amount	NOUN
arjefm-1283	60	3	of	of	ADP
arjefm-1283	60	4	capital	capital	NOUN
arjefm-1283	60	5	that	that	PRON
arjefm-1283	60	6	is	be	AUX
arjefm-1283	60	7	held	hold	VERB
arjefm-1283	60	8	shows	show	VERB
arjefm-1283	60	9	the	the	DET
arjefm-1283	60	10	strength	strength	NOUN
arjefm-1283	60	11	of	of	ADP
arjefm-1283	60	12	the	the	DET
arjefm-1283	60	13	bank	bank	NOUN
arjefm-1283	60	14	as	as	ADP
arjefm-1283	60	15	a	a	DET
arjefm-1283	60	16	measure	measure	NOUN
arjefm-1283	60	17	of	of	ADP
arjefm-1283	60	18	financial	financial	ADJ
arjefm-1283	60	19	preparedness	preparedness	NOUN
arjefm-1283	60	20	in	in	ADP
arjefm-1283	60	21	case	case	NOUN
arjefm-1283	60	22	of	of	ADP
arjefm-1283	60	23	emergencies	emergency	NOUN
arjefm-1283	60	24	.	.	PUNCT
arjefm-1283	61	1	the	the	DET
arjefm-1283	61	2	importance	importance	NOUN
arjefm-1283	61	3	of	of	ADP
arjefm-1283	61	4	tier	tier	NOUN
arjefm-1283	61	5	i	i	PRON
arjefm-1283	61	6	capital	capital	VERB
arjefm-1283	61	7	in	in	ADP
arjefm-1283	61	8	banking	banking	NOUN
arjefm-1283	61	9	operation	operation	NOUN
arjefm-1283	61	10	can	can	AUX
arjefm-1283	61	11	not	not	PART
arjefm-1283	61	12	be	be	AUX
arjefm-1283	61	13	over	over	ADP
arjefm-1283	61	14	emphasized	emphasize	VERB
arjefm-1283	61	15	.	.	PUNCT
arjefm-1283	62	1	ttier	ttier	NOUN
arjefm-1283	62	2	i	i	PRON
arjefm-1283	62	3	capital	capital	NOUN
arjefm-1283	62	4	is	be	AUX
arjefm-1283	62	5	the	the	DET
arjefm-1283	62	6	funds	fund	NOUN
arjefm-1283	62	7	that	that	PRON
arjefm-1283	62	8	a	a	DET
arjefm-1283	62	9	bank	bank	NOUN
arjefm-1283	62	10	uses	use	VERB
arjefm-1283	62	11	to	to	PART
arjefm-1283	62	12	function	function	VERB
arjefm-1283	62	13	on	on	ADP
arjefm-1283	62	14	a	a	DET
arjefm-1283	62	15	regular	regular	ADJ
arjefm-1283	62	16	basis	basis	NOUN
arjefm-1283	62	17	and	and	CCONJ
arjefm-1283	62	18	forms	form	VERB
arjefm-1283	62	19	the	the	DET
arjefm-1283	62	20	basis	basis	NOUN
arjefm-1283	62	21	of	of	ADP
arjefm-1283	62	22	a	a	DET
arjefm-1283	62	23	financial	financial	ADJ
arjefm-1283	62	24	institution	institution	NOUN
arjefm-1283	62	25	's	's	PART
arjefm-1283	62	26	strength	strength	NOUN
arjefm-1283	62	27	.	.	PUNCT
arjefm-1283	63	1	it	it	PRON
arjefm-1283	63	2	consists	consist	VERB
arjefm-1283	63	3	of	of	ADP
arjefm-1283	63	4	shareholders	shareholder	NOUN
arjefm-1283	63	5	'	'	PART
arjefm-1283	63	6	equity	equity	NOUN
arjefm-1283	63	7	and	and	CCONJ
arjefm-1283	63	8	retained	retain	VERB
arjefm-1283	63	9	earnings	earning	NOUN
arjefm-1283	63	10	disclosed	disclose	VERB
arjefm-1283	63	11	on	on	ADP
arjefm-1283	63	12	the	the	DET
arjefm-1283	63	13	financial	financial	ADJ
arjefm-1283	63	14	statements	statement	NOUN
arjefm-1283	63	15	of	of	ADP
arjefm-1283	63	16	banks	bank	NOUN
arjefm-1283	63	17	and	and	CCONJ
arjefm-1283	63	18	is	be	AUX
arjefm-1283	63	19	a	a	DET
arjefm-1283	63	20	primary	primary	ADJ
arjefm-1283	63	21	indicator	indicator	NOUN
arjefm-1283	63	22	to	to	PART
arjefm-1283	63	23	measure	measure	VERB
arjefm-1283	63	24	a	a	DET
arjefm-1283	63	25	bank	bank	NOUN
arjefm-1283	63	26	's	's	PART
arjefm-1283	63	27	financial	financial	ADJ
arjefm-1283	63	28	health	health	NOUN
arjefm-1283	63	29	.	.	PUNCT
arjefm-1283	64	1	tier	tier	NOUN
arjefm-1283	64	2	i	i	PRON
arjefm-1283	64	3	capitals	capital	NOUN
arjefm-1283	64	4	are	be	AUX
arjefm-1283	64	5	generated	generate	VERB
arjefm-1283	64	6	specifically	specifically	ADV
arjefm-1283	64	7	to	to	PART
arjefm-1283	64	8	support	support	VERB
arjefm-1283	64	9	banks	bank	NOUN
arjefm-1283	64	10	when	when	SCONJ
arjefm-1283	64	11	losses	loss	NOUN
arjefm-1283	64	12	are	be	AUX
arjefm-1283	64	13	absorbed	absorb	VERB
arjefm-1283	64	14	so	so	SCONJ
arjefm-1283	64	15	that	that	SCONJ
arjefm-1283	64	16	regular	regular	ADJ
arjefm-1283	64	17	business	business	NOUN
arjefm-1283	64	18	functions	function	NOUN
arjefm-1283	64	19	do	do	AUX
arjefm-1283	64	20	not	not	PART
arjefm-1283	64	21	have	have	VERB
arjefm-1283	64	22	to	to	PART
arjefm-1283	64	23	be	be	AUX
arjefm-1283	64	24	shut	shut	VERB
arjefm-1283	64	25	down	down	ADP
arjefm-1283	64	26	.	.	PUNCT
arjefm-1283	65	1	therefore	therefore	ADV
arjefm-1283	65	2	,	,	PUNCT
arjefm-1283	65	3	common	common	ADJ
arjefm-1283	65	4	equity	equity	NOUN
arjefm-1283	65	5	capital	capital	NOUN
arjefm-1283	65	6	is	be	AUX
arjefm-1283	65	7	the	the	DET
arjefm-1283	65	8	most	most	ADV
arjefm-1283	65	9	effective	effective	ADJ
arjefm-1283	65	10	loss	loss	NOUN
arjefm-1283	65	11	-	-	PUNCT
arjefm-1283	65	12	absorption	absorption	NOUN
arjefm-1283	65	13	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	65	14	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	65	15	https://www.wisegeek.com/what-is-a-credit-union.htm	https://www.wisegeek.com/what-is-a-credit-union.htm	X
arjefm-1283	65	16	https://www.wisegeek.com/what-is-a-central-bank.htm	https://www.wisegeek.com/what-is-a-central-bank.htm	PUNCT
arjefm-1283	66	1	https://www.accountingtools.com/articles/2017/5/16/share	https://www.accountingtools.com/articles/2017/5/16/share	PROPN
arjefm-1283	66	2	https://www.accountingtools.com/articles/what-is-par-value.html	https://www.accountingtools.com/articles/what-is-par-value.html	VERB
arjefm-1283	66	3	https://www.investopedia.com/terms/f/financial-health.asp	https://www.investopedia.com/terms/f/financial-health.asp	PROPN
arjefm-1283	66	4	american	american	PROPN
arjefm-1283	66	5	research	research	PROPN
arjefm-1283	66	6	journal	journal	PROPN
arjefm-1283	66	7	of	of	ADP
arjefm-1283	66	8	economics	economic	NOUN
arjefm-1283	66	9	,	,	PUNCT
arjefm-1283	66	10	finance	finance	NOUN
arjefm-1283	66	11	and	and	CCONJ
arjefm-1283	66	12	management	management	NOUN
arjefm-1283	66	13	volume	volume	NOUN
arjefm-1283	66	14	13	13	NUM
arjefm-1283	66	15	issue	issue	NOUN
arjefm-1283	66	16	4	4	NUM
arjefm-1283	66	17	,	,	PUNCT
arjefm-1283	66	18	october	october	PROPN
arjefm-1283	66	19	-	-	PUNCT
arjefm-1283	66	20	december	december	PROPN
arjefm-1283	66	21	2025	2025	NUM
arjefm-1283	66	22	issn	issn	NOUN
arjefm-1283	66	23	:	:	PUNCT
arjefm-1283	66	24	2836	2836	NUM
arjefm-1283	66	25	-	-	SYM
arjefm-1283	66	26	9416	9416	NUM
arjefm-1283	66	27	impact	impact	NOUN
arjefm-1283	66	28	factor	factor	NOUN
arjefm-1283	66	29	:	:	PUNCT
arjefm-1283	66	30	6.41	6.41	NUM
arjefm-1283	66	31	journal	journal	NOUN
arjefm-1283	66	32	homepage	homepage	NOUN
arjefm-1283	66	33	:	:	PUNCT
arjefm-1283	66	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	66	35	email	email	NOUN
arjefm-1283	66	36	:	:	PUNCT
arjefm-1283	66	37	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	66	38	official	official	ADJ
arjefm-1283	66	39	journal	journal	PROPN
arjefm-1283	66	40	of	of	ADP
arjefm-1283	66	41	america	america	PROPN
arjefm-1283	66	42	serial	serial	PROPN
arjefm-1283	66	43	publication	publication	NOUN
arjefm-1283	66	44	american	american	PROPN
arjefm-1283	66	45	research	research	PROPN
arjefm-1283	66	46	journal	journal	PROPN
arjefm-1283	66	47	of	of	ADP
arjefm-1283	66	48	economics	economic	NOUN
arjefm-1283	66	49	,	,	PUNCT
arjefm-1283	66	50	finance	finance	NOUN
arjefm-1283	66	51	and	and	CCONJ
arjefm-1283	66	52	management	management	NOUN
arjefm-1283	66	53	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	66	54	,	,	PUNCT
arjefm-1283	66	55	email	email	NOUN
arjefm-1283	66	56	:	:	PUNCT
arjefm-1283	66	57	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	67	1	33	33	NUM
arjefm-1283	68	1	|	|	ADV
arjefm-1283	68	2	p	p	X
arjefm-1283	68	3	a	a	DET
arjefm-1283	68	4	g	g	NOUN
arjefm-1283	68	5	e	e	NOUN
arjefm-1283	68	6	financial	financial	ADJ
arjefm-1283	68	7	instrument	instrument	NOUN
arjefm-1283	68	8	of	of	ADP
arjefm-1283	68	9	banks	bank	NOUN
arjefm-1283	68	10	.	.	PUNCT
arjefm-1283	69	1	the	the	DET
arjefm-1283	69	2	reinforcement	reinforcement	NOUN
arjefm-1283	69	3	of	of	ADP
arjefm-1283	69	4	common	common	ADJ
arjefm-1283	69	5	equity	equity	NOUN
arjefm-1283	69	6	capital	capital	NOUN
arjefm-1283	69	7	within	within	ADP
arjefm-1283	69	8	the	the	DET
arjefm-1283	69	9	total	total	ADJ
arjefm-1283	69	10	regulatory	regulatory	ADJ
arjefm-1283	69	11	capital	capital	NOUN
arjefm-1283	69	12	of	of	ADP
arjefm-1283	69	13	banks	bank	NOUN
arjefm-1283	69	14	contributes	contribute	VERB
arjefm-1283	69	15	to	to	ADP
arjefm-1283	69	16	financial	financial	ADJ
arjefm-1283	69	17	stability	stability	NOUN
arjefm-1283	69	18	and	and	CCONJ
arjefm-1283	69	19	sustained	sustain	VERB
arjefm-1283	69	20	economic	economic	ADJ
arjefm-1283	69	21	growth	growth	NOUN
arjefm-1283	69	22	of	of	ADP
arjefm-1283	69	23	a	a	DET
arjefm-1283	69	24	nation	nation	NOUN
arjefm-1283	69	25	.	.	PUNCT
arjefm-1283	70	1	thus	thus	ADV
arjefm-1283	70	2	,	,	PUNCT
arjefm-1283	70	3	internationally	internationally	ADV
arjefm-1283	70	4	active	active	ADJ
arjefm-1283	70	5	financial	financial	ADJ
arjefm-1283	70	6	institutions	institution	NOUN
arjefm-1283	70	7	and	and	CCONJ
arjefm-1283	70	8	banks	bank	NOUN
arjefm-1283	70	9	must	must	AUX
arjefm-1283	70	10	maintain	maintain	VERB
arjefm-1283	70	11	a	a	DET
arjefm-1283	70	12	capital	capital	NOUN
arjefm-1283	70	13	adequacy	adequacy	NOUN
arjefm-1283	70	14	at	at	ADP
arjefm-1283	70	15	specific	specific	ADJ
arjefm-1283	70	16	minimum	minimum	ADJ
arjefm-1283	70	17	level	level	NOUN
arjefm-1283	70	18	prescribed	prescribe	VERB
arjefm-1283	70	19	by	by	ADP
arjefm-1283	70	20	regulatory	regulatory	ADJ
arjefm-1283	70	21	authorities	authority	NOUN
arjefm-1283	70	22	in	in	ADP
arjefm-1283	70	23	order	order	NOUN
arjefm-1283	70	24	to	to	PART
arjefm-1283	70	25	avoid	avoid	VERB
arjefm-1283	70	26	risks	risk	NOUN
arjefm-1283	70	27	and	and	CCONJ
arjefm-1283	70	28	bankruptcy	bankruptcy	NOUN
arjefm-1283	70	29	.	.	PUNCT
arjefm-1283	71	1	history	history	NOUN
arjefm-1283	71	2	of	of	ADP
arjefm-1283	71	3	nigeria	nigeria	PROPN
arjefm-1283	71	4	banks	bank	NOUN
arjefm-1283	71	5	,	,	PUNCT
arjefm-1283	71	6	however	however	ADV
arjefm-1283	71	7	,	,	PUNCT
arjefm-1283	71	8	shows	show	VERB
arjefm-1283	71	9	that	that	SCONJ
arjefm-1283	71	10	only	only	ADV
arjefm-1283	71	11	few	few	ADJ
arjefm-1283	71	12	internationally	internationally	ADV
arjefm-1283	71	13	active	active	ADJ
arjefm-1283	71	14	banks	bank	NOUN
arjefm-1283	71	15	in	in	ADP
arjefm-1283	71	16	nigeria	nigeria	PROPN
arjefm-1283	71	17	are	be	AUX
arjefm-1283	71	18	able	able	ADJ
arjefm-1283	71	19	to	to	PART
arjefm-1283	71	20	comply	comply	VERB
arjefm-1283	71	21	with	with	ADP
arjefm-1283	71	22	this	this	DET
arjefm-1283	71	23	requirement	requirement	NOUN
arjefm-1283	71	24	since	since	SCONJ
arjefm-1283	71	25	the	the	DET
arjefm-1283	71	26	basle	basle	PROPN
arjefm-1283	71	27	i	i	PROPN
arjefm-1283	71	28	,	,	PUNCT
arjefm-1283	71	29	ii	ii	PROPN
arjefm-1283	71	30	and	and	CCONJ
arjefm-1283	71	31	iii	iii	NUM
arjefm-1283	71	32	were	be	AUX
arjefm-1283	71	33	introduced	introduce	VERB
arjefm-1283	71	34	into	into	ADP
arjefm-1283	71	35	the	the	DET
arjefm-1283	71	36	international	international	ADJ
arjefm-1283	71	37	banking	banking	NOUN
arjefm-1283	71	38	arena	arena	NOUN
arjefm-1283	71	39	.	.	PUNCT
arjefm-1283	72	1	the	the	DET
arjefm-1283	72	2	consequence	consequence	NOUN
arjefm-1283	72	3	is	be	AUX
arjefm-1283	72	4	that	that	SCONJ
arjefm-1283	72	5	the	the	DET
arjefm-1283	72	6	evolving	evolve	VERB
arjefm-1283	72	7	competition	competition	NOUN
arjefm-1283	72	8	in	in	ADP
arjefm-1283	72	9	the	the	DET
arjefm-1283	72	10	banking	banking	NOUN
arjefm-1283	72	11	industry	industry	NOUN
arjefm-1283	72	12	as	as	ADP
arjefm-1283	72	13	a	a	DET
arjefm-1283	72	14	result	result	NOUN
arjefm-1283	72	15	of	of	ADP
arjefm-1283	72	16	globalization	globalization	NOUN
arjefm-1283	72	17	has	have	AUX
arjefm-1283	72	18	made	make	VERB
arjefm-1283	72	19	it	it	PRON
arjefm-1283	72	20	difficult	difficult	ADJ
arjefm-1283	72	21	for	for	SCONJ
arjefm-1283	72	22	nigerian	nigerian	ADJ
arjefm-1283	72	23	banks	bank	NOUN
arjefm-1283	72	24	to	to	PART
arjefm-1283	72	25	play	play	VERB
arjefm-1283	72	26	their	their	PRON
arjefm-1283	72	27	major	major	ADJ
arjefm-1283	72	28	role	role	NOUN
arjefm-1283	72	29	of	of	ADP
arjefm-1283	72	30	financing	finance	VERB
arjefm-1283	72	31	economic	economic	ADJ
arjefm-1283	72	32	activities	activity	NOUN
arjefm-1283	72	33	arising	arise	VERB
arjefm-1283	72	34	from	from	ADP
arjefm-1283	72	35	inadequate	inadequate	ADJ
arjefm-1283	72	36	capital	capital	NOUN
arjefm-1283	72	37	.	.	PUNCT
arjefm-1283	73	1	inadequate	inadequate	ADJ
arjefm-1283	73	2	bank	bank	NOUN
arjefm-1283	73	3	capital	capital	NOUN
arjefm-1283	73	4	has	have	AUX
arjefm-1283	73	5	led	lead	VERB
arjefm-1283	73	6	to	to	ADP
arjefm-1283	73	7	a	a	DET
arjefm-1283	73	8	crisis	crisis	NOUN
arjefm-1283	73	9	of	of	ADP
arjefm-1283	73	10	confidence	confidence	NOUN
arjefm-1283	73	11	in	in	ADP
arjefm-1283	73	12	the	the	DET
arjefm-1283	73	13	nigeria	nigeria	PROPN
arjefm-1283	73	14	banks	bank	NOUN
arjefm-1283	73	15	to	to	ADP
arjefm-1283	73	16	the	the	DET
arjefm-1283	73	17	extent	extent	NOUN
arjefm-1283	73	18	that	that	SCONJ
arjefm-1283	73	19	the	the	DET
arjefm-1283	73	20	original	original	ADJ
arjefm-1283	73	21	functions	function	NOUN
arjefm-1283	73	22	which	which	PRON
arjefm-1283	73	23	is	be	AUX
arjefm-1283	73	24	to	to	PART
arjefm-1283	73	25	support	support	VERB
arjefm-1283	73	26	the	the	DET
arjefm-1283	73	27	volume	volume	NOUN
arjefm-1283	73	28	,	,	PUNCT
arjefm-1283	73	29	type	type	NOUN
arjefm-1283	73	30	and	and	CCONJ
arjefm-1283	73	31	character	character	NOUN
arjefm-1283	73	32	of	of	ADP
arjefm-1283	73	33	banks	bank	NOUN
arjefm-1283	73	34	business	business	NOUN
arjefm-1283	73	35	to	to	PART
arjefm-1283	73	36	provide	provide	VERB
arjefm-1283	73	37	for	for	ADP
arjefm-1283	73	38	the	the	DET
arjefm-1283	73	39	possibilities	possibility	NOUN
arjefm-1283	73	40	of	of	ADP
arjefm-1283	73	41	losses	loss	NOUN
arjefm-1283	73	42	that	that	PRON
arjefm-1283	73	43	may	may	AUX
arjefm-1283	73	44	arise	arise	VERB
arjefm-1283	73	45	there	there	ADV
arjefm-1283	73	46	from	from	ADP
arjefm-1283	73	47	and	and	CCONJ
arjefm-1283	73	48	to	to	PART
arjefm-1283	73	49	enable	enable	VERB
arjefm-1283	73	50	the	the	DET
arjefm-1283	73	51	banks	bank	NOUN
arjefm-1283	73	52	meet	meet	VERB
arjefm-1283	73	53	reasonable	reasonable	ADJ
arjefm-1283	73	54	credit	credit	NOUN
arjefm-1283	73	55	need	need	NOUN
arjefm-1283	73	56	of	of	ADP
arjefm-1283	73	57	the	the	DET
arjefm-1283	73	58	community	community	NOUN
arjefm-1283	73	59	have	have	AUX
arjefm-1283	73	60	been	be	AUX
arjefm-1283	73	61	eroded	erode	VERB
arjefm-1283	73	62	.	.	PUNCT
arjefm-1283	74	1	the	the	DET
arjefm-1283	74	2	losses	loss	NOUN
arjefm-1283	74	3	suffered	suffer	VERB
arjefm-1283	74	4	by	by	ADP
arjefm-1283	74	5	these	these	DET
arjefm-1283	74	6	banks	bank	NOUN
arjefm-1283	74	7	led	lead	VERB
arjefm-1283	74	8	to	to	ADP
arjefm-1283	74	9	series	series	NOUN
arjefm-1283	74	10	of	of	ADP
arjefm-1283	74	11	banks	bank	NOUN
arjefm-1283	74	12	failures	failure	NOUN
arjefm-1283	74	13	in	in	ADP
arjefm-1283	74	14	nigeria	nigeria	PROPN
arjefm-1283	74	15	(	(	PUNCT
arjefm-1283	74	16	ikpefan	ikpefan	PROPN
arjefm-1283	74	17	,	,	PUNCT
arjefm-1283	74	18	2013	2013	NUM
arjefm-1283	74	19	)	)	PUNCT
arjefm-1283	74	20	.	.	PUNCT
arjefm-1283	75	1	it	it	PRON
arjefm-1283	75	2	is	be	AUX
arjefm-1283	75	3	in	in	ADP
arjefm-1283	75	4	view	view	NOUN
arjefm-1283	75	5	of	of	ADP
arjefm-1283	75	6	this	this	DET
arjefm-1283	75	7	development	development	NOUN
arjefm-1283	75	8	that	that	PRON
arjefm-1283	75	9	the	the	DET
arjefm-1283	75	10	researcher	researcher	NOUN
arjefm-1283	75	11	embarked	embark	VERB
arjefm-1283	75	12	on	on	ADP
arjefm-1283	75	13	this	this	DET
arjefm-1283	75	14	study	study	NOUN
arjefm-1283	75	15	to	to	PART
arjefm-1283	75	16	investigate	investigate	VERB
arjefm-1283	75	17	the	the	DET
arjefm-1283	75	18	effect	effect	NOUN
arjefm-1283	75	19	of	of	ADP
arjefm-1283	75	20	tier	tier	NOUN
arjefm-1283	75	21	one	one	NUM
arjefm-1283	75	22	capital	capital	NOUN
arjefm-1283	75	23	components	component	NOUN
arjefm-1283	75	24	on	on	ADP
arjefm-1283	75	25	the	the	DET
arjefm-1283	75	26	loan	loan	NOUN
arjefm-1283	75	27	portfolio	portfolio	NOUN
arjefm-1283	75	28	of	of	ADP
arjefm-1283	75	29	deposit	deposit	NOUN
arjefm-1283	75	30	money	money	NOUN
arjefm-1283	75	31	banks	bank	NOUN
arjefm-1283	75	32	in	in	ADP
arjefm-1283	75	33	nigeria	nigeria	PROPN
arjefm-1283	75	34	.	.	PUNCT
arjefm-1283	76	1	1.3	1.3	NUM
arjefm-1283	76	2	the	the	DET
arjefm-1283	76	3	main	main	ADJ
arjefm-1283	76	4	objective	objective	NOUN
arjefm-1283	76	5	of	of	ADP
arjefm-1283	76	6	this	this	DET
arjefm-1283	76	7	study	study	NOUN
arjefm-1283	76	8	was	be	AUX
arjefm-1283	76	9	to	to	PART
arjefm-1283	76	10	examine	examine	VERB
arjefm-1283	76	11	the	the	DET
arjefm-1283	76	12	effect	effect	NOUN
arjefm-1283	76	13	of	of	ADP
arjefm-1283	76	14	tier	tier	NOUN
arjefm-1283	76	15	one	one	NUM
arjefm-1283	76	16	capital	capital	NOUN
arjefm-1283	76	17	components	component	NOUN
arjefm-1283	76	18	on	on	ADP
arjefm-1283	76	19	the	the	DET
arjefm-1283	76	20	loan	loan	NOUN
arjefm-1283	76	21	portfolio	portfolio	NOUN
arjefm-1283	76	22	of	of	ADP
arjefm-1283	76	23	deposit	deposit	NOUN
arjefm-1283	76	24	money	money	NOUN
arjefm-1283	76	25	banks	bank	NOUN
arjefm-1283	76	26	in	in	ADP
arjefm-1283	76	27	nigeria	nigeria	PROPN
arjefm-1283	76	28	.	.	PUNCT
arjefm-1283	77	1	the	the	DET
arjefm-1283	77	2	specific	specific	ADJ
arjefm-1283	77	3	objectives	objective	NOUN
arjefm-1283	77	4	of	of	ADP
arjefm-1283	77	5	the	the	DET
arjefm-1283	77	6	study	study	NOUN
arjefm-1283	77	7	were	be	AUX
arjefm-1283	77	8	to	to	PART
arjefm-1283	77	9	:	:	PUNCT
arjefm-1283	77	10	i.	i.	NOUN
arjefm-1283	77	11	ascertain	ascertain	VERB
arjefm-1283	77	12	the	the	DET
arjefm-1283	77	13	effect	effect	NOUN
arjefm-1283	77	14	of	of	ADP
arjefm-1283	77	15	paid	pay	VERB
arjefm-1283	77	16	-	-	PUNCT
arjefm-1283	77	17	up	up	ADP
arjefm-1283	77	18	share	share	NOUN
arjefm-1283	77	19	capital	capital	NOUN
arjefm-1283	77	20	on	on	ADP
arjefm-1283	77	21	total	total	ADJ
arjefm-1283	77	22	loans	loan	NOUN
arjefm-1283	77	23	&	&	CCONJ
arjefm-1283	77	24	advances	advances	PROPN
arjefm-1283	77	25	ii	ii	PROPN
arjefm-1283	77	26	.	.	PROPN
arjefm-1283	77	27	investigate	investigate	VERB
arjefm-1283	77	28	the	the	DET
arjefm-1283	77	29	effect	effect	NOUN
arjefm-1283	77	30	of	of	ADP
arjefm-1283	77	31	statutory	statutory	ADJ
arjefm-1283	77	32	reserve	reserve	NOUN
arjefm-1283	77	33	on	on	ADP
arjefm-1283	77	34	total	total	ADJ
arjefm-1283	77	35	loans	loan	NOUN
arjefm-1283	77	36	&	&	CCONJ
arjefm-1283	77	37	advances	advance	VERB
arjefm-1283	77	38	1.4	1.4	NUM
arjefm-1283	77	39	the	the	DET
arjefm-1283	77	40	following	follow	VERB
arjefm-1283	77	41	research	research	NOUN
arjefm-1283	77	42	questions	question	NOUN
arjefm-1283	77	43	are	be	AUX
arjefm-1283	77	44	in	in	ADP
arjefm-1283	77	45	line	line	NOUN
arjefm-1283	77	46	with	with	ADP
arjefm-1283	77	47	the	the	DET
arjefm-1283	77	48	specific	specific	ADJ
arjefm-1283	77	49	objectives	objective	NOUN
arjefm-1283	77	50	of	of	ADP
arjefm-1283	77	51	the	the	DET
arjefm-1283	77	52	study	study	NOUN
arjefm-1283	77	53	.	.	PUNCT
arjefm-1283	78	1	i.	i.	NOUN
arjefm-1283	78	2	what	what	PRON
arjefm-1283	78	3	is	be	AUX
arjefm-1283	78	4	the	the	DET
arjefm-1283	78	5	effect	effect	NOUN
arjefm-1283	78	6	of	of	ADP
arjefm-1283	78	7	paid	pay	VERB
arjefm-1283	78	8	-	-	PUNCT
arjefm-1283	78	9	up	up	ADP
arjefm-1283	78	10	share	share	NOUN
arjefm-1283	78	11	capital	capital	NOUN
arjefm-1283	78	12	on	on	ADP
arjefm-1283	78	13	loans	loan	NOUN
arjefm-1283	78	14	and	and	CCONJ
arjefm-1283	78	15	advances	advance	NOUN
arjefm-1283	78	16	of	of	ADP
arjefm-1283	78	17	deposit	deposit	NOUN
arjefm-1283	78	18	money	money	NOUN
arjefm-1283	78	19	banks	bank	NOUN
arjefm-1283	78	20	in	in	ADP
arjefm-1283	78	21	nigeria	nigeria	PROPN
arjefm-1283	78	22	?	?	PUNCT
arjefm-1283	79	1	ii	ii	PROPN
arjefm-1283	79	2	.	.	PUNCT
arjefm-1283	80	1	to	to	ADP
arjefm-1283	80	2	what	what	DET
arjefm-1283	80	3	extent	extent	NOUN
arjefm-1283	80	4	does	do	AUX
arjefm-1283	80	5	statutory	statutory	PROPN
arjefm-1283	80	6	reserve	reserve	PROPN
arjefm-1283	80	7	affect	affect	VERB
arjefm-1283	80	8	loans	loan	NOUN
arjefm-1283	80	9	and	and	CCONJ
arjefm-1283	80	10	advances	advance	NOUN
arjefm-1283	80	11	of	of	ADP
arjefm-1283	80	12	deposit	deposit	NOUN
arjefm-1283	80	13	money	money	NOUN
arjefm-1283	80	14	banks	bank	NOUN
arjefm-1283	80	15	in	in	ADP
arjefm-1283	80	16	nigeria	nigeria	PROPN
arjefm-1283	80	17	?	?	PUNCT
arjefm-1283	81	1	1.5	1.5	NUM
arjefm-1283	81	2	null	null	ADJ
arjefm-1283	81	3	hypotheses	hypothesis	NOUN
arjefm-1283	81	4	were	be	AUX
arjefm-1283	81	5	formulated	formulate	VERB
arjefm-1283	81	6	for	for	ADP
arjefm-1283	81	7	the	the	DET
arjefm-1283	81	8	study	study	NOUN
arjefm-1283	81	9	as	as	SCONJ
arjefm-1283	81	10	follows	follow	VERB
arjefm-1283	81	11	:	:	PUNCT
arjefm-1283	81	12	i.	i.	PROPN
arjefm-1283	81	13	paid	pay	VERB
arjefm-1283	81	14	-	-	PUNCT
arjefm-1283	81	15	up	up	ADP
arjefm-1283	81	16	share	share	NOUN
arjefm-1283	81	17	capital	capital	NOUN
arjefm-1283	81	18	does	do	AUX
arjefm-1283	81	19	not	not	PART
arjefm-1283	81	20	significantly	significantly	ADV
arjefm-1283	81	21	affect	affect	VERB
arjefm-1283	81	22	loans	loan	NOUN
arjefm-1283	81	23	and	and	CCONJ
arjefm-1283	81	24	advances	advance	NOUN
arjefm-1283	81	25	ii	ii	PROPN
arjefm-1283	81	26	.	.	PUNCT
arjefm-1283	81	27	statutory	statutory	PROPN
arjefm-1283	81	28	reserve	reserve	PROPN
arjefm-1283	81	29	does	do	AUX
arjefm-1283	81	30	not	not	PART
arjefm-1283	81	31	significantly	significantly	ADV
arjefm-1283	81	32	affect	affect	VERB
arjefm-1283	81	33	loans	loan	NOUN
arjefm-1283	81	34	and	and	CCONJ
arjefm-1283	81	35	advances	advance	NOUN
arjefm-1283	81	36	findings	finding	NOUN
arjefm-1283	81	37	of	of	ADP
arjefm-1283	81	38	the	the	DET
arjefm-1283	81	39	study	study	NOUN
arjefm-1283	81	40	will	will	AUX
arjefm-1283	81	41	help	help	VERB
arjefm-1283	81	42	to	to	PART
arjefm-1283	81	43	moderate	moderate	VERB
arjefm-1283	81	44	and	and	CCONJ
arjefm-1283	81	45	improve	improve	VERB
arjefm-1283	81	46	the	the	DET
arjefm-1283	81	47	volume	volume	NOUN
arjefm-1283	81	48	and	and	CCONJ
arjefm-1283	81	49	quality	quality	NOUN
arjefm-1283	81	50	of	of	ADP
arjefm-1283	81	51	the	the	DET
arjefm-1283	81	52	loan	loan	NOUN
arjefm-1283	81	53	portfolios	portfolio	NOUN
arjefm-1283	81	54	of	of	ADP
arjefm-1283	81	55	their	their	PRON
arjefm-1283	81	56	banks	bank	NOUN
arjefm-1283	81	57	,	,	PUNCT
arjefm-1283	81	58	respectively	respectively	ADV
arjefm-1283	81	59	.	.	PUNCT
arjefm-1283	82	1	it	it	PRON
arjefm-1283	82	2	will	will	AUX
arjefm-1283	82	3	also	also	ADV
arjefm-1283	82	4	benefit	benefit	VERB
arjefm-1283	82	5	investors	investor	NOUN
arjefm-1283	82	6	in	in	ADP
arjefm-1283	82	7	the	the	DET
arjefm-1283	82	8	nigeria	nigeria	PROPN
arjefm-1283	82	9	banking	banking	NOUN
arjefm-1283	82	10	sector	sector	NOUN
arjefm-1283	82	11	.	.	PUNCT
arjefm-1283	83	1	knowledge	knowledge	NOUN
arjefm-1283	83	2	of	of	ADP
arjefm-1283	83	3	the	the	DET
arjefm-1283	83	4	effect	effect	NOUN
arjefm-1283	83	5	of	of	ADP
arjefm-1283	83	6	tier	tier	NOUN
arjefm-1283	83	7	one	one	NUM
arjefm-1283	83	8	capital	capital	NOUN
arjefm-1283	83	9	components	component	NOUN
arjefm-1283	83	10	on	on	ADP
arjefm-1283	83	11	the	the	DET
arjefm-1283	83	12	loans	loan	NOUN
arjefm-1283	83	13	portfolio	portfolio	NOUN
arjefm-1283	83	14	of	of	ADP
arjefm-1283	83	15	banks	bank	NOUN
arjefm-1283	83	16	will	will	AUX
arjefm-1283	83	17	assist	assist	VERB
arjefm-1283	83	18	current	current	ADJ
arjefm-1283	83	19	and	and	CCONJ
arjefm-1283	83	20	potential	potential	ADJ
arjefm-1283	83	21	investors	investor	NOUN
arjefm-1283	83	22	of	of	ADP
arjefm-1283	83	23	the	the	DET
arjefm-1283	83	24	banking	banking	NOUN
arjefm-1283	83	25	sector	sector	NOUN
arjefm-1283	83	26	to	to	PART
arjefm-1283	83	27	make	make	VERB
arjefm-1283	83	28	an	an	DET
arjefm-1283	83	29	informed	informed	ADJ
arjefm-1283	83	30	business	business	NOUN
arjefm-1283	83	31	decision	decision	NOUN
arjefm-1283	83	32	.	.	PUNCT
arjefm-1283	84	1	this	this	DET
arjefm-1283	84	2	knowledge	knowledge	NOUN
arjefm-1283	84	3	will	will	AUX
arjefm-1283	84	4	enable	enable	VERB
arjefm-1283	84	5	investors	investor	NOUN
arjefm-1283	84	6	analyze	analyze	VERB
arjefm-1283	84	7	the	the	DET
arjefm-1283	84	8	possibility	possibility	NOUN
arjefm-1283	84	9	of	of	ADP
arjefm-1283	84	10	a	a	DET
arjefm-1283	84	11	bank	bank	NOUN
arjefm-1283	84	12	generating	generate	VERB
arjefm-1283	84	13	adequate	adequate	ADJ
arjefm-1283	84	14	return	return	NOUN
arjefm-1283	84	15	on	on	ADP
arjefm-1283	84	16	investment	investment	NOUN
arjefm-1283	84	17	give	give	VERB
arjefm-1283	84	18	that	that	DET
arjefm-1283	84	19	loan	loan	NOUN
arjefm-1283	84	20	portfolio	portfolio	NOUN
arjefm-1283	84	21	is	be	AUX
arjefm-1283	84	22	the	the	DET
arjefm-1283	84	23	highest	high	ADJ
arjefm-1283	84	24	income	income	NOUN
arjefm-1283	84	25	generating	generating	NOUN
arjefm-1283	84	26	assets	asset	NOUN
arjefm-1283	84	27	of	of	ADP
arjefm-1283	84	28	banks	bank	NOUN
arjefm-1283	84	29	.	.	PUNCT
arjefm-1283	85	1	the	the	DET
arjefm-1283	85	2	study	study	NOUN
arjefm-1283	85	3	will	will	AUX
arjefm-1283	85	4	be	be	AUX
arjefm-1283	85	5	of	of	ADP
arjefm-1283	85	6	importance	importance	NOUN
arjefm-1283	85	7	to	to	ADP
arjefm-1283	85	8	the	the	DET
arjefm-1283	85	9	central	central	ADJ
arjefm-1283	85	10	bank	bank	PROPN
arjefm-1283	85	11	of	of	ADP
arjefm-1283	85	12	nigeria	nigeria	PROPN
arjefm-1283	85	13	(	(	PUNCT
arjefm-1283	85	14	cbn	cbn	PROPN
arjefm-1283	85	15	)	)	PUNCT
arjefm-1283	85	16	and	and	CCONJ
arjefm-1283	85	17	the	the	DET
arjefm-1283	85	18	nigeria	nigeria	PROPN
arjefm-1283	85	19	deposit	deposit	PROPN
arjefm-1283	85	20	insurance	insurance	NOUN
arjefm-1283	85	21	corporation	corporation	NOUN
arjefm-1283	85	22	(	(	PUNCT
arjefm-1283	85	23	ndic	ndic	ADJ
arjefm-1283	85	24	)	)	PUNCT
arjefm-1283	85	25	who	who	PRON
arjefm-1283	85	26	are	be	AUX
arjefm-1283	85	27	the	the	DET
arjefm-1283	85	28	apex	apex	NOUN
arjefm-1283	85	29	regulators	regulator	NOUN
arjefm-1283	85	30	of	of	ADP
arjefm-1283	85	31	the	the	DET
arjefm-1283	85	32	nigeria	nigeria	PROPN
arjefm-1283	85	33	banking	banking	NOUN
arjefm-1283	85	34	industry	industry	NOUN
arjefm-1283	85	35	.	.	PUNCT
arjefm-1283	86	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	86	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	87	1	american	american	PROPN
arjefm-1283	87	2	research	research	PROPN
arjefm-1283	87	3	journal	journal	PROPN
arjefm-1283	87	4	of	of	ADP
arjefm-1283	87	5	economics	economic	NOUN
arjefm-1283	87	6	,	,	PUNCT
arjefm-1283	87	7	finance	finance	NOUN
arjefm-1283	87	8	and	and	CCONJ
arjefm-1283	87	9	management	management	NOUN
arjefm-1283	87	10	volume	volume	NOUN
arjefm-1283	87	11	13	13	NUM
arjefm-1283	87	12	issue	issue	NOUN
arjefm-1283	87	13	4	4	NUM
arjefm-1283	87	14	,	,	PUNCT
arjefm-1283	87	15	october	october	PROPN
arjefm-1283	87	16	-	-	PUNCT
arjefm-1283	87	17	december	december	PROPN
arjefm-1283	87	18	2025	2025	NUM
arjefm-1283	87	19	issn	issn	NOUN
arjefm-1283	87	20	:	:	PUNCT
arjefm-1283	87	21	2836	2836	NUM
arjefm-1283	87	22	-	-	SYM
arjefm-1283	87	23	9416	9416	NUM
arjefm-1283	87	24	impact	impact	NOUN
arjefm-1283	87	25	factor	factor	NOUN
arjefm-1283	87	26	:	:	PUNCT
arjefm-1283	87	27	6.41	6.41	NUM
arjefm-1283	87	28	journal	journal	NOUN
arjefm-1283	87	29	homepage	homepage	NOUN
arjefm-1283	87	30	:	:	PUNCT
arjefm-1283	87	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	87	32	email	email	NOUN
arjefm-1283	87	33	:	:	PUNCT
arjefm-1283	87	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	87	35	official	official	ADJ
arjefm-1283	87	36	journal	journal	PROPN
arjefm-1283	87	37	of	of	ADP
arjefm-1283	87	38	america	america	PROPN
arjefm-1283	87	39	serial	serial	PROPN
arjefm-1283	87	40	publication	publication	NOUN
arjefm-1283	87	41	american	american	PROPN
arjefm-1283	87	42	research	research	PROPN
arjefm-1283	87	43	journal	journal	PROPN
arjefm-1283	87	44	of	of	ADP
arjefm-1283	87	45	economics	economic	NOUN
arjefm-1283	87	46	,	,	PUNCT
arjefm-1283	87	47	finance	finance	NOUN
arjefm-1283	87	48	and	and	CCONJ
arjefm-1283	87	49	management	management	NOUN
arjefm-1283	87	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	87	51	,	,	PUNCT
arjefm-1283	87	52	email	email	NOUN
arjefm-1283	87	53	:	:	PUNCT
arjefm-1283	87	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	88	1	34	34	NUM
arjefm-1283	89	1	|	|	ADV
arjefm-1283	89	2	p	p	X
arjefm-1283	89	3	a	a	DET
arjefm-1283	89	4	g	g	NOUN
arjefm-1283	89	5	e	e	NOUN
arjefm-1283	89	6	the	the	DET
arjefm-1283	89	7	study	study	NOUN
arjefm-1283	89	8	was	be	AUX
arjefm-1283	89	9	scoped	scope	VERB
arjefm-1283	89	10	to	to	PART
arjefm-1283	89	11	focus	focus	VERB
arjefm-1283	89	12	on	on	ADP
arjefm-1283	89	13	the	the	DET
arjefm-1283	89	14	effect	effect	NOUN
arjefm-1283	89	15	of	of	ADP
arjefm-1283	89	16	tier	tier	NOUN
arjefm-1283	89	17	one	one	NUM
arjefm-1283	89	18	capital	capital	NOUN
arjefm-1283	89	19	components	component	NOUN
arjefm-1283	89	20	on	on	ADP
arjefm-1283	89	21	loan	loan	NOUN
arjefm-1283	89	22	portfolio	portfolio	NOUN
arjefm-1283	89	23	of	of	ADP
arjefm-1283	89	24	deposit	deposit	NOUN
arjefm-1283	89	25	money	money	NOUN
arjefm-1283	89	26	banks	bank	NOUN
arjefm-1283	89	27	in	in	ADP
arjefm-1283	89	28	nigeria	nigeria	PROPN
arjefm-1283	89	29	from	from	ADP
arjefm-1283	89	30	2015	2015	NUM
arjefm-1283	89	31	to	to	ADP
arjefm-1283	89	32	2024	2024	NUM
arjefm-1283	89	33	.	.	PUNCT
arjefm-1283	90	1	the	the	DET
arjefm-1283	90	2	independent	independent	ADJ
arjefm-1283	90	3	variables	variable	NOUN
arjefm-1283	90	4	of	of	ADP
arjefm-1283	90	5	the	the	DET
arjefm-1283	90	6	study	study	NOUN
arjefm-1283	90	7	are	be	AUX
arjefm-1283	90	8	:	:	PUNCT
arjefm-1283	90	9	paid	pay	VERB
arjefm-1283	90	10	-	-	PUNCT
arjefm-1283	90	11	up	up	ADP
arjefm-1283	90	12	share	share	NOUN
arjefm-1283	90	13	capital	capital	NOUN
arjefm-1283	90	14	and	and	CCONJ
arjefm-1283	90	15	statutory	statutory	ADJ
arjefm-1283	90	16	reserve	reserve	NOUN
arjefm-1283	90	17	while	while	SCONJ
arjefm-1283	90	18	the	the	DET
arjefm-1283	90	19	dependent	dependent	ADJ
arjefm-1283	90	20	variable	variable	NOUN
arjefm-1283	90	21	is	be	AUX
arjefm-1283	90	22	loans	loan	NOUN
arjefm-1283	90	23	and	and	CCONJ
arjefm-1283	90	24	advances	advance	NOUN
arjefm-1283	90	25	of	of	ADP
arjefm-1283	90	26	selected	select	VERB
arjefm-1283	90	27	deposit	deposit	NOUN
arjefm-1283	90	28	money	money	NOUN
arjefm-1283	90	29	banks	bank	NOUN
arjefm-1283	90	30	in	in	ADP
arjefm-1283	90	31	nigeria	nigeria	PROPN
arjefm-1283	90	32	.	.	PUNCT
arjefm-1283	91	1	data	datum	NOUN
arjefm-1283	91	2	on	on	ADP
arjefm-1283	91	3	these	these	DET
arjefm-1283	91	4	variables	variable	NOUN
arjefm-1283	91	5	were	be	AUX
arjefm-1283	91	6	collected	collect	VERB
arjefm-1283	91	7	from	from	ADP
arjefm-1283	91	8	six	six	NUM
arjefm-1283	91	9	(	(	PUNCT
arjefm-1283	91	10	6	6	NUM
arjefm-1283	91	11	)	)	PUNCT
arjefm-1283	91	12	deposit	deposit	NOUN
arjefm-1283	91	13	money	money	NOUN
arjefm-1283	91	14	banks	bank	NOUN
arjefm-1283	91	15	that	that	PRON
arjefm-1283	91	16	were	be	AUX
arjefm-1283	91	17	selected	select	VERB
arjefm-1283	91	18	from	from	ADP
arjefm-1283	91	19	the	the	DET
arjefm-1283	91	20	deposit	deposit	NOUN
arjefm-1283	91	21	money	money	NOUN
arjefm-1283	91	22	banks	bank	NOUN
arjefm-1283	91	23	listed	list	VERB
arjefm-1283	91	24	on	on	ADP
arjefm-1283	91	25	nigeria	nigeria	PROPN
arjefm-1283	91	26	exchange	exchange	PROPN
arjefm-1283	91	27	group	group	NOUN
arjefm-1283	91	28	(	(	PUNCT
arjefm-1283	91	29	ngx	ngx	PROPN
arjefm-1283	91	30	)	)	PUNCT
arjefm-1283	91	31	during	during	ADP
arjefm-1283	91	32	the	the	DET
arjefm-1283	91	33	period	period	NOUN
arjefm-1283	91	34	of	of	ADP
arjefm-1283	91	35	10	10	NUM
arjefm-1283	91	36	years	year	NOUN
arjefm-1283	91	37	(	(	PUNCT
arjefm-1283	91	38	2015	2015	NUM
arjefm-1283	91	39	-	-	SYM
arjefm-1283	91	40	2024	2024	NUM
arjefm-1283	91	41	)	)	PUNCT
arjefm-1283	91	42	.	.	PUNCT
arjefm-1283	92	1	review	review	NOUN
arjefm-1283	92	2	of	of	ADP
arjefm-1283	92	3	related	related	ADJ
arjefm-1283	92	4	literature	literature	NOUN
arjefm-1283	92	5	2.1	2.1	NUM
arjefm-1283	92	6	conceptual	conceptual	ADJ
arjefm-1283	92	7	review	review	NOUN
arjefm-1283	92	8	components	component	NOUN
arjefm-1283	92	9	of	of	ADP
arjefm-1283	92	10	tier	tier	NOUN
arjefm-1283	92	11	i	i	PRON
arjefm-1283	92	12	capital	capital	NOUN
arjefm-1283	92	13	reichartz	reichartz	NOUN
arjefm-1283	92	14	(	(	PUNCT
arjefm-1283	92	15	2020	2020	NUM
arjefm-1283	92	16	)	)	PUNCT
arjefm-1283	92	17	states	state	VERB
arjefm-1283	92	18	that	that	SCONJ
arjefm-1283	92	19	tier	tier	NOUN
arjefm-1283	92	20	1	1	NUM
arjefm-1283	92	21	capital	capital	NOUN
arjefm-1283	92	22	is	be	AUX
arjefm-1283	92	23	the	the	DET
arjefm-1283	92	24	core	core	NOUN
arjefm-1283	92	25	capital	capital	NOUN
arjefm-1283	92	26	a	a	DET
arjefm-1283	92	27	bank	bank	NOUN
arjefm-1283	92	28	holds	hold	VERB
arjefm-1283	92	29	in	in	ADP
arjefm-1283	92	30	its	its	PRON
arjefm-1283	92	31	reserves	reserve	NOUN
arjefm-1283	92	32	and	and	CCONJ
arjefm-1283	92	33	exists	exist	VERB
arjefm-1283	92	34	as	as	ADP
arjefm-1283	92	35	the	the	DET
arjefm-1283	92	36	primary	primary	ADJ
arjefm-1283	92	37	source	source	NOUN
arjefm-1283	92	38	of	of	ADP
arjefm-1283	92	39	funds	fund	NOUN
arjefm-1283	92	40	.	.	PUNCT
arjefm-1283	93	1	it	it	PRON
arjefm-1283	93	2	's	be	AUX
arjefm-1283	93	3	the	the	DET
arjefm-1283	93	4	assets	asset	NOUN
arjefm-1283	93	5	a	a	DET
arjefm-1283	93	6	bank	bank	NOUN
arjefm-1283	93	7	holds	hold	VERB
arjefm-1283	93	8	to	to	PART
arjefm-1283	93	9	continue	continue	VERB
arjefm-1283	93	10	providing	provide	VERB
arjefm-1283	93	11	for	for	ADP
arjefm-1283	93	12	the	the	DET
arjefm-1283	93	13	business	business	NOUN
arjefm-1283	93	14	needs	need	NOUN
arjefm-1283	93	15	of	of	ADP
arjefm-1283	93	16	its	its	PRON
arjefm-1283	93	17	customers	customer	NOUN
arjefm-1283	93	18	.	.	PUNCT
arjefm-1283	94	1	since	since	SCONJ
arjefm-1283	94	2	banks	bank	NOUN
arjefm-1283	94	3	typically	typically	ADV
arjefm-1283	94	4	provide	provide	VERB
arjefm-1283	94	5	capital	capital	NOUN
arjefm-1283	94	6	for	for	ADP
arjefm-1283	94	7	customers	customer	NOUN
arjefm-1283	94	8	,	,	PUNCT
arjefm-1283	94	9	this	this	PRON
arjefm-1283	94	10	can	can	AUX
arjefm-1283	94	11	include	include	VERB
arjefm-1283	94	12	a	a	DET
arjefm-1283	94	13	substantial	substantial	ADJ
arjefm-1283	94	14	amount	amount	NOUN
arjefm-1283	94	15	of	of	ADP
arjefm-1283	94	16	risk	risk	NOUN
arjefm-1283	94	17	.	.	PUNCT
arjefm-1283	95	1	the	the	DET
arjefm-1283	95	2	capital	capital	NOUN
arjefm-1283	95	3	helps	help	VERB
arjefm-1283	95	4	to	to	PART
arjefm-1283	95	5	ensure	ensure	VERB
arjefm-1283	95	6	there	there	PRON
arjefm-1283	95	7	is	be	VERB
arjefm-1283	95	8	enough	enough	ADJ
arjefm-1283	95	9	money	money	NOUN
arjefm-1283	95	10	to	to	PART
arjefm-1283	95	11	fulfill	fulfill	VERB
arjefm-1283	95	12	needs	need	NOUN
arjefm-1283	95	13	.	.	PUNCT
arjefm-1283	96	1	tier	tier	NOUN
arjefm-1283	96	2	1	1	NUM
arjefm-1283	96	3	capital	capital	NOUN
arjefm-1283	96	4	includes	include	VERB
arjefm-1283	96	5	common	common	ADJ
arjefm-1283	96	6	stock	stock	NOUN
arjefm-1283	96	7	,	,	PUNCT
arjefm-1283	96	8	retained	retain	VERB
arjefm-1283	96	9	earnings	earning	NOUN
arjefm-1283	96	10	,	,	PUNCT
arjefm-1283	96	11	and	and	CCONJ
arjefm-1283	96	12	preferred	preferred	ADJ
arjefm-1283	96	13	stock	stock	NOUN
arjefm-1283	96	14	.	.	PUNCT
arjefm-1283	97	1	the	the	DET
arjefm-1283	97	2	amount	amount	NOUN
arjefm-1283	97	3	of	of	ADP
arjefm-1283	97	4	capital	capital	NOUN
arjefm-1283	97	5	that	that	PRON
arjefm-1283	97	6	is	be	AUX
arjefm-1283	97	7	held	hold	VERB
arjefm-1283	97	8	shows	show	VERB
arjefm-1283	97	9	the	the	DET
arjefm-1283	97	10	strength	strength	NOUN
arjefm-1283	97	11	of	of	ADP
arjefm-1283	97	12	the	the	DET
arjefm-1283	97	13	bank	bank	NOUN
arjefm-1283	97	14	as	as	ADP
arjefm-1283	97	15	a	a	DET
arjefm-1283	97	16	measure	measure	NOUN
arjefm-1283	97	17	of	of	ADP
arjefm-1283	97	18	financial	financial	ADJ
arjefm-1283	97	19	preparedness	preparedness	NOUN
arjefm-1283	97	20	in	in	ADP
arjefm-1283	97	21	case	case	NOUN
arjefm-1283	97	22	of	of	ADP
arjefm-1283	97	23	emergencies	emergency	NOUN
arjefm-1283	97	24	.	.	PUNCT
arjefm-1283	98	1	the	the	DET
arjefm-1283	98	2	strength	strength	NOUN
arjefm-1283	98	3	of	of	ADP
arjefm-1283	98	4	banks	bank	NOUN
arjefm-1283	98	5	is	be	AUX
arjefm-1283	98	6	determined	determine	VERB
arjefm-1283	98	7	by	by	ADP
arjefm-1283	98	8	its	its	PRON
arjefm-1283	98	9	tier	tier	NOUN
arjefm-1283	98	10	1	1	NUM
arjefm-1283	98	11	capital	capital	NOUN
arjefm-1283	98	12	ratio	ratio	NOUN
arjefm-1283	98	13	.	.	PUNCT
arjefm-1283	99	1	this	this	DET
arjefm-1283	99	2	ratio	ratio	NOUN
arjefm-1283	99	3	is	be	AUX
arjefm-1283	99	4	used	use	VERB
arjefm-1283	99	5	to	to	PART
arjefm-1283	99	6	describe	describe	VERB
arjefm-1283	99	7	the	the	DET
arjefm-1283	99	8	capital	capital	NOUN
arjefm-1283	99	9	being	be	AUX
arjefm-1283	99	10	held	hold	VERB
arjefm-1283	99	11	by	by	ADP
arjefm-1283	99	12	a	a	DET
arjefm-1283	99	13	bank	bank	NOUN
arjefm-1283	99	14	versus	versus	ADP
arjefm-1283	99	15	the	the	DET
arjefm-1283	99	16	total	total	ADJ
arjefm-1283	99	17	risk	risk	NOUN
arjefm-1283	99	18	-	-	PUNCT
arjefm-1283	99	19	weighted	weight	VERB
arjefm-1283	99	20	assets	asset	NOUN
arjefm-1283	99	21	(	(	PUNCT
arjefm-1283	99	22	rwas	rwas	NOUN
arjefm-1283	99	23	)	)	PUNCT
arjefm-1283	99	24	of	of	ADP
arjefm-1283	99	25	the	the	DET
arjefm-1283	99	26	bank	bank	NOUN
arjefm-1283	99	27	.	.	PUNCT
arjefm-1283	100	1	risk	risk	NOUN
arjefm-1283	100	2	-	-	PUNCT
arjefm-1283	100	3	weighted	weight	VERB
arjefm-1283	100	4	assets	asset	NOUN
arjefm-1283	100	5	are	be	AUX
arjefm-1283	100	6	the	the	DET
arjefm-1283	100	7	assets	asset	NOUN
arjefm-1283	100	8	held	hold	VERB
arjefm-1283	100	9	by	by	ADP
arjefm-1283	100	10	the	the	DET
arjefm-1283	100	11	bank	bank	NOUN
arjefm-1283	100	12	that	that	PRON
arjefm-1283	100	13	are	be	AUX
arjefm-1283	100	14	weighted	weight	VERB
arjefm-1283	100	15	by	by	ADP
arjefm-1283	100	16	its	its	PRON
arjefm-1283	100	17	credit	credit	NOUN
arjefm-1283	100	18	risk	risk	NOUN
arjefm-1283	100	19	.	.	PUNCT
arjefm-1283	101	1	raja	raja	PROPN
arjefm-1283	101	2	(	(	PUNCT
arjefm-1283	101	3	2019	2019	NUM
arjefm-1283	101	4	)	)	PUNCT
arjefm-1283	101	5	also	also	ADV
arjefm-1283	101	6	asserts	assert	VERB
arjefm-1283	101	7	that	that	SCONJ
arjefm-1283	101	8	tier	tier	NOUN
arjefm-1283	101	9	1	1	NUM
arjefm-1283	101	10	capital	capital	NOUN
arjefm-1283	101	11	is	be	AUX
arjefm-1283	101	12	the	the	DET
arjefm-1283	101	13	core	core	ADJ
arjefm-1283	101	14	measure	measure	NOUN
arjefm-1283	101	15	of	of	ADP
arjefm-1283	101	16	a	a	DET
arjefm-1283	101	17	bank	bank	NOUN
arjefm-1283	101	18	's	's	PART
arjefm-1283	101	19	financial	financial	ADJ
arjefm-1283	101	20	strength	strength	NOUN
arjefm-1283	101	21	from	from	ADP
arjefm-1283	101	22	a	a	DET
arjefm-1283	101	23	regulator	regulator	NOUN
arjefm-1283	101	24	's	's	PART
arjefm-1283	101	25	point	point	NOUN
arjefm-1283	101	26	of	of	ADP
arjefm-1283	101	27	view	view	NOUN
arjefm-1283	101	28	.	.	PUNCT
arjefm-1283	102	1	it	it	PRON
arjefm-1283	102	2	consists	consist	VERB
arjefm-1283	102	3	of	of	ADP
arjefm-1283	102	4	the	the	DET
arjefm-1283	102	5	types	type	NOUN
arjefm-1283	102	6	of	of	ADP
arjefm-1283	102	7	financial	financial	ADJ
arjefm-1283	102	8	capital	capital	NOUN
arjefm-1283	102	9	considered	consider	VERB
arjefm-1283	102	10	the	the	DET
arjefm-1283	102	11	most	most	ADV
arjefm-1283	102	12	reliable	reliable	ADJ
arjefm-1283	102	13	and	and	CCONJ
arjefm-1283	102	14	liquid	liquid	ADJ
arjefm-1283	102	15	,	,	PUNCT
arjefm-1283	102	16	primarily	primarily	ADV
arjefm-1283	102	17	equity	equity	NOUN
arjefm-1283	102	18	(	(	PUNCT
arjefm-1283	102	19	paid	pay	VERB
arjefm-1283	102	20	-	-	PUNCT
arjefm-1283	102	21	up	up	ADP
arjefm-1283	102	22	share	share	NOUN
arjefm-1283	102	23	capital	capital	NOUN
arjefm-1283	102	24	and	and	CCONJ
arjefm-1283	102	25	reserves	reserve	NOUN
arjefm-1283	102	26	)	)	PUNCT
arjefm-1283	102	27	.	.	PUNCT
arjefm-1283	103	1	examples	example	NOUN
arjefm-1283	103	2	of	of	ADP
arjefm-1283	103	3	tier	tier	NOUN
arjefm-1283	103	4	1	1	NUM
arjefm-1283	103	5	capital	capital	NOUN
arjefm-1283	103	6	are	be	AUX
arjefm-1283	103	7	common	common	ADJ
arjefm-1283	103	8	stock	stock	NOUN
arjefm-1283	103	9	,	,	PUNCT
arjefm-1283	103	10	preferred	preferred	ADJ
arjefm-1283	103	11	stock	stock	NOUN
arjefm-1283	103	12	that	that	PRON
arjefm-1283	103	13	is	be	AUX
arjefm-1283	103	14	irredeemable	irredeemable	ADJ
arjefm-1283	103	15	and	and	CCONJ
arjefm-1283	103	16	non	non	ADJ
arjefm-1283	103	17	-	-	ADJ
arjefm-1283	103	18	cumulative	cumulative	ADJ
arjefm-1283	103	19	,	,	PUNCT
arjefm-1283	103	20	and	and	CCONJ
arjefm-1283	103	21	retained	retain	VERB
arjefm-1283	103	22	earnings	earning	NOUN
arjefm-1283	103	23	.	.	PUNCT
arjefm-1283	104	1	the	the	DET
arjefm-1283	104	2	theoretical	theoretical	ADJ
arjefm-1283	104	3	reason	reason	NOUN
arjefm-1283	104	4	for	for	ADP
arjefm-1283	104	5	holding	hold	VERB
arjefm-1283	104	6	tier	tier	NOUN
arjefm-1283	104	7	i	i	PRON
arjefm-1283	104	8	capital	capital	NOUN
arjefm-1283	104	9	is	be	AUX
arjefm-1283	104	10	to	to	PART
arjefm-1283	104	11	provide	provide	VERB
arjefm-1283	104	12	protection	protection	NOUN
arjefm-1283	104	13	against	against	ADP
arjefm-1283	104	14	unexpected	unexpected	ADJ
arjefm-1283	104	15	losses	loss	NOUN
arjefm-1283	104	16	.	.	PUNCT
arjefm-1283	105	1	under	under	ADP
arjefm-1283	105	2	the	the	DET
arjefm-1283	105	3	basel	basel	PROPN
arjefm-1283	105	4	accord	accord	NOUN
arjefm-1283	105	5	,	,	PUNCT
arjefm-1283	105	6	a	a	DET
arjefm-1283	105	7	bank	bank	NOUN
arjefm-1283	105	8	has	have	VERB
arjefm-1283	105	9	to	to	PART
arjefm-1283	105	10	maintain	maintain	VERB
arjefm-1283	105	11	a	a	DET
arjefm-1283	105	12	certain	certain	ADJ
arjefm-1283	105	13	level	level	NOUN
arjefm-1283	105	14	of	of	ADP
arjefm-1283	105	15	cash	cash	NOUN
arjefm-1283	105	16	or	or	CCONJ
arjefm-1283	105	17	liquid	liquid	ADJ
arjefm-1283	105	18	assets	asset	NOUN
arjefm-1283	105	19	as	as	ADP
arjefm-1283	105	20	a	a	DET
arjefm-1283	105	21	ratio	ratio	NOUN
arjefm-1283	105	22	of	of	ADP
arjefm-1283	105	23	its	its	PRON
arjefm-1283	105	24	risk	risk	NOUN
arjefm-1283	105	25	-	-	PUNCT
arjefm-1283	105	26	weighted	weight	VERB
arjefm-1283	105	27	assets	asset	NOUN
arjefm-1283	105	28	.	.	PUNCT
arjefm-1283	106	1	the	the	DET
arjefm-1283	106	2	basel	basel	PROPN
arjefm-1283	106	3	accords	accord	NOUN
arjefm-1283	106	4	are	be	AUX
arjefm-1283	106	5	a	a	DET
arjefm-1283	106	6	series	series	NOUN
arjefm-1283	106	7	of	of	ADP
arjefm-1283	106	8	three	three	NUM
arjefm-1283	106	9	sets	set	NOUN
arjefm-1283	106	10	of	of	ADP
arjefm-1283	106	11	banking	banking	NOUN
arjefm-1283	106	12	regulations	regulation	NOUN
arjefm-1283	106	13	that	that	PRON
arjefm-1283	106	14	help	help	VERB
arjefm-1283	106	15	to	to	PART
arjefm-1283	106	16	ensure	ensure	VERB
arjefm-1283	106	17	financial	financial	ADJ
arjefm-1283	106	18	institutions	institution	NOUN
arjefm-1283	106	19	have	have	VERB
arjefm-1283	106	20	enough	enough	ADJ
arjefm-1283	106	21	capital	capital	NOUN
arjefm-1283	106	22	on	on	ADP
arjefm-1283	106	23	hand	hand	NOUN
arjefm-1283	106	24	to	to	PART
arjefm-1283	106	25	handle	handle	VERB
arjefm-1283	106	26	obligations	obligation	NOUN
arjefm-1283	106	27	.	.	PUNCT
arjefm-1283	107	1	tier	tier	NOUN
arjefm-1283	107	2	1	1	NUM
arjefm-1283	107	3	capital	capital	NOUN
arjefm-1283	107	4	includes	include	VERB
arjefm-1283	107	5	(	(	PUNCT
arjefm-1283	107	6	i	i	NOUN
arjefm-1283	107	7	)	)	PUNCT
arjefm-1283	107	8	permanent	permanent	ADJ
arjefm-1283	107	9	shareholders	shareholder	NOUN
arjefm-1283	107	10	’	'	PUNCT
arjefm-1283	107	11	equity	equity	NOUN
arjefm-1283	107	12	in	in	ADP
arjefm-1283	107	13	the	the	DET
arjefm-1283	107	14	form	form	NOUN
arjefm-1283	107	15	of	of	ADP
arjefm-1283	107	16	common	common	ADJ
arjefm-1283	107	17	stock	stock	NOUN
arjefm-1283	107	18	,	,	PUNCT
arjefm-1283	107	19	perpetual	perpetual	ADJ
arjefm-1283	107	20	non	non	ADJ
arjefm-1283	107	21	-	-	ADJ
arjefm-1283	107	22	cumulative	cumulative	ADJ
arjefm-1283	107	23	preferred	preferred	ADJ
arjefm-1283	107	24	stock	stock	NOUN
arjefm-1283	107	25	,	,	PUNCT
arjefm-1283	107	26	and	and	CCONJ
arjefm-1283	107	27	minority	minority	NOUN
arjefm-1283	107	28	interests	interest	NOUN
arjefm-1283	107	29	in	in	ADP
arjefm-1283	107	30	equity	equity	NOUN
arjefm-1283	107	31	accounts	account	NOUN
arjefm-1283	107	32	of	of	ADP
arjefm-1283	107	33	consolidated	consolidated	ADJ
arjefm-1283	107	34	subsidiaries	subsidiary	NOUN
arjefm-1283	107	35	;	;	PUNCT
arjefm-1283	107	36	(	(	PUNCT
arjefm-1283	107	37	ii	ii	NOUN
arjefm-1283	107	38	)	)	PUNCT
arjefm-1283	107	39	disclosed	disclose	VERB
arjefm-1283	107	40	reserves	reserve	NOUN
arjefm-1283	107	41	such	such	ADJ
arjefm-1283	107	42	as	as	ADP
arjefm-1283	107	43	retained	retain	VERB
arjefm-1283	107	44	earnings	earning	NOUN
arjefm-1283	107	45	,	,	PUNCT
arjefm-1283	107	46	share	share	NOUN
arjefm-1283	107	47	premiums	premium	NOUN
arjefm-1283	107	48	,	,	PUNCT
arjefm-1283	107	49	or	or	CCONJ
arjefm-1283	107	50	other	other	ADJ
arjefm-1283	107	51	surplus	surplus	NOUN
arjefm-1283	107	52	,	,	PUNCT
arjefm-1283	107	53	and	and	CCONJ
arjefm-1283	107	54	(	(	PUNCT
arjefm-1283	107	55	iii	iii	NOUN
arjefm-1283	107	56	)	)	PUNCT
arjefm-1283	107	57	qualifying	qualify	VERB
arjefm-1283	107	58	innovative	innovative	ADJ
arjefm-1283	107	59	capital	capital	NOUN
arjefm-1283	107	60	instruments	instrument	NOUN
arjefm-1283	107	61	up	up	ADP
arjefm-1283	107	62	to	to	ADP
arjefm-1283	107	63	a	a	DET
arjefm-1283	107	64	maximum	maximum	NOUN
arjefm-1283	107	65	of	of	ADP
arjefm-1283	107	66	15	15	NUM
arjefm-1283	107	67	percent	percent	NOUN
arjefm-1283	107	68	of	of	ADP
arjefm-1283	107	69	tier	tier	NOUN
arjefm-1283	107	70	1	1	NUM
arjefm-1283	107	71	capital	capital	NOUN
arjefm-1283	107	72	.	.	PUNCT
arjefm-1283	108	1	goodwill	goodwill	NOUN
arjefm-1283	108	2	is	be	AUX
arjefm-1283	108	3	deducted	deduct	VERB
arjefm-1283	108	4	.	.	PUNCT
arjefm-1283	109	1	this	this	DET
arjefm-1283	109	2	study	study	NOUN
arjefm-1283	109	3	will	will	AUX
arjefm-1283	109	4	,	,	PUNCT
arjefm-1283	109	5	however	however	ADV
arjefm-1283	109	6	,	,	PUNCT
arjefm-1283	109	7	adopt	adopt	VERB
arjefm-1283	109	8	paid	pay	VERB
arjefm-1283	109	9	-	-	PUNCT
arjefm-1283	109	10	up	up	ADP
arjefm-1283	109	11	share	share	NOUN
arjefm-1283	109	12	capital	capital	NOUN
arjefm-1283	109	13	,	,	PUNCT
arjefm-1283	109	14	retained	retain	VERB
arjefm-1283	109	15	earnings	earning	NOUN
arjefm-1283	109	16	,	,	PUNCT
arjefm-1283	109	17	statutory	statutory	ADJ
arjefm-1283	109	18	reserve	reserve	PROPN
arjefm-1283	109	19	,	,	PUNCT
arjefm-1283	109	20	and	and	CCONJ
arjefm-1283	109	21	share	share	NOUN
arjefm-1283	109	22	premium	premium	NOUN
arjefm-1283	109	23	as	as	ADP
arjefm-1283	109	24	the	the	DET
arjefm-1283	109	25	independent	independent	ADJ
arjefm-1283	109	26	variables	variable	NOUN
arjefm-1283	109	27	and	and	CCONJ
arjefm-1283	109	28	measures	measure	NOUN
arjefm-1283	109	29	of	of	ADP
arjefm-1283	109	30	components	component	NOUN
arjefm-1283	109	31	of	of	ADP
arjefm-1283	109	32	tier	tier	NOUN
arjefm-1283	109	33	i	i	NOUN
arjefm-1283	109	34	capital	capital	NOUN
arjefm-1283	109	35	.	.	PUNCT
arjefm-1283	110	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	110	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	111	1	https://www.quora.com/profile/karthik-raja-924	https://www.quora.com/profile/karthik-raja-924	PROPN
arjefm-1283	111	2	https://goo.gl/dxcgqb	https://goo.gl/dxcgqb	PROPN
arjefm-1283	111	3	https://www.investopedia.com/terms/b/basel_accord.asp	https://www.investopedia.com/terms/b/basel_accord.asp	AUX
arjefm-1283	111	4	https://www.investopedia.com/terms/b/basel_accord.asp	https://www.investopedia.com/terms/b/basel_accord.asp	PROPN
arjefm-1283	111	5	american	american	PROPN
arjefm-1283	111	6	research	research	PROPN
arjefm-1283	111	7	journal	journal	PROPN
arjefm-1283	111	8	of	of	ADP
arjefm-1283	111	9	economics	economic	NOUN
arjefm-1283	111	10	,	,	PUNCT
arjefm-1283	111	11	finance	finance	NOUN
arjefm-1283	111	12	and	and	CCONJ
arjefm-1283	111	13	management	management	NOUN
arjefm-1283	111	14	volume	volume	NOUN
arjefm-1283	111	15	13	13	NUM
arjefm-1283	111	16	issue	issue	NOUN
arjefm-1283	111	17	4	4	NUM
arjefm-1283	111	18	,	,	PUNCT
arjefm-1283	111	19	october	october	PROPN
arjefm-1283	111	20	-	-	PUNCT
arjefm-1283	111	21	december	december	PROPN
arjefm-1283	111	22	2025	2025	NUM
arjefm-1283	111	23	issn	issn	NOUN
arjefm-1283	111	24	:	:	PUNCT
arjefm-1283	111	25	2836	2836	NUM
arjefm-1283	111	26	-	-	SYM
arjefm-1283	111	27	9416	9416	NUM
arjefm-1283	111	28	impact	impact	NOUN
arjefm-1283	111	29	factor	factor	NOUN
arjefm-1283	111	30	:	:	PUNCT
arjefm-1283	111	31	6.41	6.41	NUM
arjefm-1283	111	32	journal	journal	NOUN
arjefm-1283	111	33	homepage	homepage	NOUN
arjefm-1283	111	34	:	:	PUNCT
arjefm-1283	111	35	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	111	36	email	email	NOUN
arjefm-1283	111	37	:	:	PUNCT
arjefm-1283	111	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	111	39	official	official	ADJ
arjefm-1283	111	40	journal	journal	PROPN
arjefm-1283	111	41	of	of	ADP
arjefm-1283	111	42	america	america	PROPN
arjefm-1283	111	43	serial	serial	PROPN
arjefm-1283	111	44	publication	publication	NOUN
arjefm-1283	111	45	american	american	PROPN
arjefm-1283	111	46	research	research	PROPN
arjefm-1283	111	47	journal	journal	PROPN
arjefm-1283	111	48	of	of	ADP
arjefm-1283	111	49	economics	economic	NOUN
arjefm-1283	111	50	,	,	PUNCT
arjefm-1283	111	51	finance	finance	NOUN
arjefm-1283	111	52	and	and	CCONJ
arjefm-1283	111	53	management	management	NOUN
arjefm-1283	111	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	111	55	,	,	PUNCT
arjefm-1283	111	56	email	email	NOUN
arjefm-1283	111	57	:	:	PUNCT
arjefm-1283	111	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	111	59	35	35	NUM
arjefm-1283	112	1	|	|	ADV
arjefm-1283	112	2	p	p	NOUN
arjefm-1283	112	3	a	a	DET
arjefm-1283	112	4	g	g	NOUN
arjefm-1283	112	5	e	e	NOUN
arjefm-1283	112	6	paid	pay	VERB
arjefm-1283	112	7	-	-	PUNCT
arjefm-1283	112	8	up	up	ADP
arjefm-1283	112	9	share	share	NOUN
arjefm-1283	112	10	capital	capital	NOUN
arjefm-1283	112	11	paid	pay	VERB
arjefm-1283	112	12	-	-	PUNCT
arjefm-1283	112	13	up	up	ADP
arjefm-1283	112	14	capital	capital	NOUN
arjefm-1283	112	15	is	be	AUX
arjefm-1283	112	16	the	the	DET
arjefm-1283	112	17	amount	amount	NOUN
arjefm-1283	112	18	of	of	ADP
arjefm-1283	112	19	money	money	NOUN
arjefm-1283	112	20	a	a	DET
arjefm-1283	112	21	company	company	NOUN
arjefm-1283	112	22	has	have	AUX
arjefm-1283	112	23	received	receive	VERB
arjefm-1283	112	24	from	from	ADP
arjefm-1283	112	25	shareholders	shareholder	NOUN
arjefm-1283	112	26	in	in	ADP
arjefm-1283	112	27	exchange	exchange	NOUN
arjefm-1283	112	28	for	for	ADP
arjefm-1283	112	29	shares	share	NOUN
arjefm-1283	112	30	of	of	ADP
arjefm-1283	112	31	stock	stock	NOUN
arjefm-1283	112	32	.	.	PUNCT
arjefm-1283	113	1	paid	pay	VERB
arjefm-1283	113	2	-	-	PUNCT
arjefm-1283	113	3	up	up	ADP
arjefm-1283	113	4	capital	capital	NOUN
arjefm-1283	113	5	is	be	AUX
arjefm-1283	113	6	created	create	VERB
arjefm-1283	113	7	when	when	SCONJ
arjefm-1283	113	8	a	a	DET
arjefm-1283	113	9	company	company	NOUN
arjefm-1283	113	10	sells	sell	VERB
arjefm-1283	113	11	its	its	PRON
arjefm-1283	113	12	shares	share	NOUN
arjefm-1283	113	13	on	on	ADP
arjefm-1283	113	14	the	the	DET
arjefm-1283	113	15	primary	primary	ADJ
arjefm-1283	113	16	market	market	NOUN
arjefm-1283	113	17	directly	directly	ADV
arjefm-1283	113	18	to	to	ADP
arjefm-1283	113	19	investors	investor	NOUN
arjefm-1283	113	20	,	,	PUNCT
arjefm-1283	113	21	usually	usually	ADV
arjefm-1283	113	22	through	through	ADP
arjefm-1283	113	23	an	an	DET
arjefm-1283	113	24	initial	initial	ADJ
arjefm-1283	113	25	public	public	ADJ
arjefm-1283	113	26	offering	offering	NOUN
arjefm-1283	113	27	(	(	PUNCT
arjefm-1283	113	28	ipo	ipo	NOUN
arjefm-1283	113	29	)	)	PUNCT
arjefm-1283	113	30	.	.	PUNCT
arjefm-1283	114	1	this	this	PRON
arjefm-1283	114	2	represents	represent	VERB
arjefm-1283	114	3	the	the	DET
arjefm-1283	114	4	funds	fund	NOUN
arjefm-1283	114	5	raised	raise	VERB
arjefm-1283	114	6	by	by	ADP
arjefm-1283	114	7	the	the	DET
arjefm-1283	114	8	banks	bank	NOUN
arjefm-1283	114	9	through	through	ADP
arjefm-1283	114	10	the	the	DET
arjefm-1283	114	11	issuance	issuance	NOUN
arjefm-1283	114	12	of	of	ADP
arjefm-1283	114	13	shares	share	NOUN
arjefm-1283	114	14	to	to	ADP
arjefm-1283	114	15	the	the	DET
arjefm-1283	114	16	public	public	NOUN
arjefm-1283	114	17	.	.	PUNCT
arjefm-1283	115	1	this	this	PRON
arjefm-1283	115	2	comes	come	VERB
arjefm-1283	115	3	mainly	mainly	ADV
arjefm-1283	115	4	in	in	ADP
arjefm-1283	115	5	form	form	NOUN
arjefm-1283	115	6	of	of	ADP
arjefm-1283	115	7	ordinary	ordinary	ADJ
arjefm-1283	115	8	and	and	CCONJ
arjefm-1283	115	9	preference	preference	NOUN
arjefm-1283	115	10	shares	share	NOUN
arjefm-1283	115	11	.	.	PUNCT
arjefm-1283	116	1	most	most	ADJ
arjefm-1283	116	2	deposit	deposit	NOUN
arjefm-1283	116	3	money	money	NOUN
arjefm-1283	116	4	banks	bank	NOUN
arjefm-1283	116	5	source	source	NOUN
arjefm-1283	116	6	fund	fund	NOUN
arjefm-1283	116	7	through	through	ADP
arjefm-1283	116	8	this	this	DET
arjefm-1283	116	9	form	form	NOUN
arjefm-1283	116	10	when	when	SCONJ
arjefm-1283	116	11	they	they	PRON
arjefm-1283	116	12	want	want	VERB
arjefm-1283	116	13	to	to	PART
arjefm-1283	116	14	engage	engage	VERB
arjefm-1283	116	15	in	in	ADP
arjefm-1283	116	16	capital	capital	NOUN
arjefm-1283	116	17	projects	project	NOUN
arjefm-1283	116	18	or	or	CCONJ
arjefm-1283	116	19	to	to	PART
arjefm-1283	116	20	meet	meet	VERB
arjefm-1283	116	21	certain	certain	ADJ
arjefm-1283	116	22	legal	legal	ADJ
arjefm-1283	116	23	requirements	requirement	NOUN
arjefm-1283	116	24	.	.	PUNCT
arjefm-1283	117	1	it	it	PRON
arjefm-1283	117	2	is	be	AUX
arjefm-1283	117	3	the	the	DET
arjefm-1283	117	4	initial	initial	ADJ
arjefm-1283	117	5	capital	capital	NOUN
arjefm-1283	117	6	of	of	ADP
arjefm-1283	117	7	banks	bank	NOUN
arjefm-1283	117	8	before	before	SCONJ
arjefm-1283	117	9	they	they	PRON
arjefm-1283	117	10	take	take	VERB
arjefm-1283	117	11	off	off	ADP
arjefm-1283	117	12	(	(	PUNCT
arjefm-1283	117	13	ogbunobi	ogbunobi	NOUN
arjefm-1283	117	14	,	,	PUNCT
arjefm-1283	117	15	2010	2010	NUM
arjefm-1283	117	16	;	;	PUNCT
arjefm-1283	117	17	chen	chen	PROPN
arjefm-1283	117	18	,	,	PUNCT
arjefm-1283	117	19	2020	2020	NUM
arjefm-1283	117	20	)	)	PUNCT
arjefm-1283	117	21	.	.	PUNCT
arjefm-1283	118	1	paid	pay	VERB
arjefm-1283	118	2	-	-	PUNCT
arjefm-1283	118	3	up	up	ADP
arjefm-1283	118	4	share	share	NOUN
arjefm-1283	118	5	capital	capital	NOUN
arjefm-1283	118	6	represents	represent	VERB
arjefm-1283	118	7	money	money	NOUN
arjefm-1283	118	8	that	that	PRON
arjefm-1283	118	9	is	be	AUX
arjefm-1283	118	10	not	not	PART
arjefm-1283	118	11	borrowed	borrow	VERB
arjefm-1283	118	12	.	.	PUNCT
arjefm-1283	119	1	a	a	DET
arjefm-1283	119	2	company	company	NOUN
arjefm-1283	119	3	that	that	PRON
arjefm-1283	119	4	is	be	AUX
arjefm-1283	119	5	fully	fully	ADV
arjefm-1283	119	6	paid	pay	VERB
arjefm-1283	119	7	-	-	PUNCT
arjefm-1283	119	8	up	up	NOUN
arjefm-1283	119	9	has	have	AUX
arjefm-1283	119	10	sold	sell	VERB
arjefm-1283	119	11	all	all	DET
arjefm-1283	119	12	available	available	ADJ
arjefm-1283	119	13	shares	share	NOUN
arjefm-1283	119	14	and	and	CCONJ
arjefm-1283	119	15	thus	thus	ADV
arjefm-1283	119	16	can	can	AUX
arjefm-1283	119	17	not	not	PART
arjefm-1283	119	18	increase	increase	VERB
arjefm-1283	119	19	its	its	PRON
arjefm-1283	119	20	capital	capital	NOUN
arjefm-1283	119	21	unless	unless	SCONJ
arjefm-1283	119	22	it	it	PRON
arjefm-1283	119	23	borrows	borrow	VERB
arjefm-1283	119	24	money	money	NOUN
arjefm-1283	119	25	by	by	ADP
arjefm-1283	119	26	taking	take	VERB
arjefm-1283	119	27	on	on	ADP
arjefm-1283	119	28	debt	debt	NOUN
arjefm-1283	119	29	.	.	PUNCT
arjefm-1283	120	1	a	a	DET
arjefm-1283	120	2	company	company	NOUN
arjefm-1283	120	3	could	could	AUX
arjefm-1283	120	4	,	,	PUNCT
arjefm-1283	120	5	however	however	ADV
arjefm-1283	120	6	,	,	PUNCT
arjefm-1283	120	7	receive	receive	VERB
arjefm-1283	120	8	authorization	authorization	NOUN
arjefm-1283	120	9	to	to	PART
arjefm-1283	120	10	sell	sell	VERB
arjefm-1283	120	11	more	more	ADJ
arjefm-1283	120	12	shares	share	NOUN
arjefm-1283	120	13	.	.	PUNCT
arjefm-1283	121	1	a	a	DET
arjefm-1283	121	2	company	company	NOUN
arjefm-1283	121	3	's	's	PART
arjefm-1283	121	4	paid	pay	VERB
arjefm-1283	121	5	-	-	PUNCT
arjefm-1283	121	6	up	up	ADP
arjefm-1283	121	7	capital	capital	NOUN
arjefm-1283	121	8	figure	figure	NOUN
arjefm-1283	121	9	represents	represent	VERB
arjefm-1283	121	10	the	the	DET
arjefm-1283	121	11	extent	extent	NOUN
arjefm-1283	121	12	to	to	PART
arjefm-1283	121	13	which	which	PRON
arjefm-1283	121	14	it	it	PRON
arjefm-1283	121	15	depends	depend	VERB
arjefm-1283	121	16	on	on	ADP
arjefm-1283	121	17	equity	equity	NOUN
arjefm-1283	121	18	financing	financing	NOUN
arjefm-1283	121	19	to	to	PART
arjefm-1283	121	20	fund	fund	VERB
arjefm-1283	121	21	its	its	PRON
arjefm-1283	121	22	operations	operation	NOUN
arjefm-1283	121	23	.	.	PUNCT
arjefm-1283	122	1	this	this	DET
arjefm-1283	122	2	figure	figure	NOUN
arjefm-1283	122	3	can	can	AUX
arjefm-1283	122	4	be	be	AUX
arjefm-1283	122	5	compared	compare	VERB
arjefm-1283	122	6	with	with	ADP
arjefm-1283	122	7	the	the	DET
arjefm-1283	122	8	company	company	NOUN
arjefm-1283	122	9	's	's	PART
arjefm-1283	122	10	level	level	NOUN
arjefm-1283	122	11	of	of	ADP
arjefm-1283	122	12	debt	debt	NOUN
arjefm-1283	122	13	to	to	PART
arjefm-1283	122	14	assess	assess	VERB
arjefm-1283	122	15	if	if	SCONJ
arjefm-1283	122	16	it	it	PRON
arjefm-1283	122	17	has	have	VERB
arjefm-1283	122	18	a	a	DET
arjefm-1283	122	19	healthy	healthy	ADJ
arjefm-1283	122	20	balance	balance	NOUN
arjefm-1283	122	21	of	of	ADP
arjefm-1283	122	22	financing	financing	NOUN
arjefm-1283	122	23	,	,	PUNCT
arjefm-1283	122	24	given	give	VERB
arjefm-1283	122	25	its	its	PRON
arjefm-1283	122	26	operations	operation	NOUN
arjefm-1283	122	27	,	,	PUNCT
arjefm-1283	122	28	business	business	NOUN
arjefm-1283	122	29	model	model	NOUN
arjefm-1283	122	30	,	,	PUNCT
arjefm-1283	122	31	and	and	CCONJ
arjefm-1283	122	32	prevailing	prevail	VERB
arjefm-1283	122	33	industry	industry	NOUN
arjefm-1283	122	34	standards	standard	NOUN
arjefm-1283	122	35	(	(	PUNCT
arjefm-1283	122	36	chen	chen	PROPN
arjefm-1283	122	37	,	,	PUNCT
arjefm-1283	122	38	2020	2020	NUM
arjefm-1283	122	39	)	)	PUNCT
arjefm-1283	122	40	.	.	PUNCT
arjefm-1283	123	1	statutory	statutory	PROPN
arjefm-1283	123	2	reserve	reserve	PROPN
arjefm-1283	123	3	a	a	DET
arjefm-1283	123	4	statutory	statutory	ADJ
arjefm-1283	123	5	reserve	reserve	NOUN
arjefm-1283	123	6	is	be	AUX
arjefm-1283	123	7	an	an	DET
arjefm-1283	123	8	amount	amount	NOUN
arjefm-1283	123	9	of	of	ADP
arjefm-1283	123	10	cash	cash	NOUN
arjefm-1283	123	11	a	a	DET
arjefm-1283	123	12	financial	financial	ADJ
arjefm-1283	123	13	institution	institution	NOUN
arjefm-1283	123	14	,	,	PUNCT
arjefm-1283	123	15	such	such	ADJ
arjefm-1283	123	16	as	as	ADP
arjefm-1283	123	17	a	a	DET
arjefm-1283	123	18	bank	bank	NOUN
arjefm-1283	123	19	,	,	PUNCT
arjefm-1283	123	20	credit	credit	NOUN
arjefm-1283	123	21	union	union	NOUN
arjefm-1283	123	22	,	,	PUNCT
arjefm-1283	123	23	or	or	CCONJ
arjefm-1283	123	24	insurance	insurance	NOUN
arjefm-1283	123	25	company	company	NOUN
arjefm-1283	123	26	,	,	PUNCT
arjefm-1283	123	27	must	must	AUX
arjefm-1283	123	28	keep	keep	VERB
arjefm-1283	123	29	on	on	ADP
arjefm-1283	123	30	hand	hand	NOUN
arjefm-1283	123	31	to	to	PART
arjefm-1283	123	32	meet	meet	VERB
arjefm-1283	123	33	the	the	DET
arjefm-1283	123	34	obligations	obligation	NOUN
arjefm-1283	123	35	incurred	incur	VERB
arjefm-1283	123	36	by	by	ADP
arjefm-1283	123	37	virtue	virtue	NOUN
arjefm-1283	123	38	of	of	ADP
arjefm-1283	123	39	accepting	accept	VERB
arjefm-1283	123	40	deposits	deposit	NOUN
arjefm-1283	123	41	and	and	CCONJ
arjefm-1283	123	42	premium	premium	NOUN
arjefm-1283	123	43	payments	payment	NOUN
arjefm-1283	123	44	.	.	PUNCT
arjefm-1283	124	1	the	the	DET
arjefm-1283	124	2	statutory	statutory	ADJ
arjefm-1283	124	3	reserves	reserve	NOUN
arjefm-1283	124	4	required	require	VERB
arjefm-1283	124	5	of	of	ADP
arjefm-1283	124	6	banks	bank	NOUN
arjefm-1283	124	7	and	and	CCONJ
arjefm-1283	124	8	credit	credit	NOUN
arjefm-1283	124	9	unions	union	NOUN
arjefm-1283	124	10	are	be	AUX
arjefm-1283	124	11	generally	generally	ADV
arjefm-1283	124	12	set	set	VERB
arjefm-1283	124	13	by	by	ADP
arjefm-1283	124	14	the	the	DET
arjefm-1283	124	15	nation	nation	NOUN
arjefm-1283	124	16	's	's	PART
arjefm-1283	124	17	central	central	ADJ
arjefm-1283	124	18	bank	bank	NOUN
arjefm-1283	124	19	,	,	PUNCT
arjefm-1283	124	20	and	and	CCONJ
arjefm-1283	124	21	those	those	PRON
arjefm-1283	124	22	required	require	VERB
arjefm-1283	124	23	of	of	ADP
arjefm-1283	124	24	insurance	insurance	NOUN
arjefm-1283	124	25	companies	company	NOUN
arjefm-1283	124	26	are	be	AUX
arjefm-1283	124	27	set	set	VERB
arjefm-1283	124	28	by	by	ADP
arjefm-1283	124	29	statute	statute	NOUN
arjefm-1283	124	30	or	or	CCONJ
arjefm-1283	124	31	regulation	regulation	NOUN
arjefm-1283	124	32	by	by	ADP
arjefm-1283	124	33	the	the	DET
arjefm-1283	124	34	national	national	ADJ
arjefm-1283	124	35	,	,	PUNCT
arjefm-1283	124	36	state	state	NOUN
arjefm-1283	124	37	or	or	CCONJ
arjefm-1283	124	38	provincial	provincial	ADJ
arjefm-1283	124	39	government	government	NOUN
arjefm-1283	124	40	or	or	CCONJ
arjefm-1283	124	41	regulatory	regulatory	ADJ
arjefm-1283	124	42	authority	authority	NOUN
arjefm-1283	124	43	.	.	PUNCT
arjefm-1283	125	1	calculated	calculate	VERB
arjefm-1283	125	2	in	in	ADP
arjefm-1283	125	3	various	various	ADJ
arjefm-1283	125	4	ways	way	NOUN
arjefm-1283	125	5	,	,	PUNCT
arjefm-1283	125	6	statutory	statutory	ADJ
arjefm-1283	125	7	reserves	reserve	NOUN
arjefm-1283	125	8	are	be	AUX
arjefm-1283	125	9	required	require	VERB
arjefm-1283	125	10	to	to	PART
arjefm-1283	125	11	ensure	ensure	VERB
arjefm-1283	125	12	that	that	SCONJ
arjefm-1283	125	13	financial	financial	ADJ
arjefm-1283	125	14	institutions	institution	NOUN
arjefm-1283	125	15	are	be	AUX
arjefm-1283	125	16	capable	capable	ADJ
arjefm-1283	125	17	of	of	ADP
arjefm-1283	125	18	paying	pay	VERB
arjefm-1283	125	19	claims	claim	NOUN
arjefm-1283	125	20	even	even	ADV
arjefm-1283	125	21	in	in	ADP
arjefm-1283	125	22	an	an	DET
arjefm-1283	125	23	emergency	emergency	NOUN
arjefm-1283	125	24	situation	situation	NOUN
arjefm-1283	125	25	(	(	PUNCT
arjefm-1283	125	26	marshal	marshal	NOUN
arjefm-1283	125	27	,	,	PUNCT
arjefm-1283	125	28	2020	2020	NUM
arjefm-1283	125	29	)	)	PUNCT
arjefm-1283	125	30	.	.	PUNCT
arjefm-1283	126	1	the	the	DET
arjefm-1283	126	2	statutory	statutory	PROPN
arjefm-1283	126	3	reserve	reserve	PROPN
arjefm-1283	126	4	requirement	requirement	NOUN
arjefm-1283	126	5	is	be	AUX
arjefm-1283	126	6	a	a	DET
arjefm-1283	126	7	monetary	monetary	ADJ
arjefm-1283	126	8	policy	policy	NOUN
arjefm-1283	126	9	instrument	instrument	NOUN
arjefm-1283	126	10	available	available	ADJ
arjefm-1283	126	11	to	to	ADP
arjefm-1283	126	12	central	central	ADJ
arjefm-1283	126	13	banks	bank	NOUN
arjefm-1283	126	14	of	of	ADP
arjefm-1283	126	15	various	various	ADJ
arjefm-1283	126	16	economies	economy	NOUN
arjefm-1283	126	17	for	for	ADP
arjefm-1283	126	18	purposes	purpose	NOUN
arjefm-1283	126	19	of	of	ADP
arjefm-1283	126	20	liquidity	liquidity	NOUN
arjefm-1283	126	21	management	management	NOUN
arjefm-1283	126	22	.	.	PUNCT
arjefm-1283	127	1	effectively	effectively	ADV
arjefm-1283	127	2	,	,	PUNCT
arjefm-1283	127	3	banking	banking	NOUN
arjefm-1283	127	4	institutions	institution	NOUN
arjefm-1283	127	5	are	be	AUX
arjefm-1283	127	6	required	require	VERB
arjefm-1283	127	7	to	to	PART
arjefm-1283	127	8	maintain	maintain	VERB
arjefm-1283	127	9	balances	balance	NOUN
arjefm-1283	127	10	in	in	ADP
arjefm-1283	127	11	their	their	PRON
arjefm-1283	127	12	statutory	statutory	ADJ
arjefm-1283	127	13	reserve	reserve	NOUN
arjefm-1283	127	14	accounts	account	NOUN
arjefm-1283	127	15	.	.	PUNCT
arjefm-1283	128	1	the	the	DET
arjefm-1283	128	2	srr	srr	PROPN
arjefm-1283	128	3	is	be	AUX
arjefm-1283	128	4	used	use	VERB
arjefm-1283	128	5	to	to	PART
arjefm-1283	128	6	withdraw	withdraw	VERB
arjefm-1283	128	7	or	or	CCONJ
arjefm-1283	128	8	inject	inject	VERB
arjefm-1283	128	9	liquidity	liquidity	NOUN
arjefm-1283	128	10	when	when	SCONJ
arjefm-1283	128	11	the	the	DET
arjefm-1283	128	12	excess	excess	ADJ
arjefm-1283	128	13	or	or	CCONJ
arjefm-1283	128	14	lack	lack	NOUN
arjefm-1283	128	15	of	of	ADP
arjefm-1283	128	16	liquidity	liquidity	NOUN
arjefm-1283	128	17	in	in	ADP
arjefm-1283	128	18	the	the	DET
arjefm-1283	128	19	banking	banking	NOUN
arjefm-1283	128	20	system	system	NOUN
arjefm-1283	128	21	is	be	AUX
arjefm-1283	128	22	perceived	perceive	VERB
arjefm-1283	128	23	by	by	ADP
arjefm-1283	128	24	the	the	DET
arjefm-1283	128	25	bank	bank	NOUN
arjefm-1283	128	26	to	to	PART
arjefm-1283	128	27	be	be	AUX
arjefm-1283	128	28	large	large	ADJ
arjefm-1283	128	29	and	and	CCONJ
arjefm-1283	128	30	long	long	ADJ
arjefm-1283	128	31	-	-	PUNCT
arjefm-1283	128	32	term	term	NOUN
arjefm-1283	128	33	in	in	ADP
arjefm-1283	128	34	nature	nature	NOUN
arjefm-1283	128	35	(	(	PUNCT
arjefm-1283	128	36	central	central	ADJ
arjefm-1283	128	37	bank	bank	NOUN
arjefm-1283	128	38	of	of	ADP
arjefm-1283	128	39	malaysia	malaysia	PROPN
arjefm-1283	128	40	statistical	statistical	ADJ
arjefm-1283	128	41	bulletin	bulletin	NOUN
arjefm-1283	128	42	,	,	PUNCT
arjefm-1283	128	43	2016	2016	NUM
arjefm-1283	128	44	)	)	PUNCT
arjefm-1283	128	45	.	.	PUNCT
arjefm-1283	129	1	section	section	NOUN
arjefm-1283	129	2	16	16	NUM
arjefm-1283	129	3	of	of	ADP
arjefm-1283	129	4	the	the	DET
arjefm-1283	129	5	banks	bank	NOUN
arjefm-1283	129	6	and	and	CCONJ
arjefm-1283	129	7	other	other	ADJ
arjefm-1283	129	8	financial	financial	ADJ
arjefm-1283	129	9	institutions	institution	NOUN
arjefm-1283	129	10	act	act	NOUN
arjefm-1283	129	11	of	of	ADP
arjefm-1283	129	12	1991	1991	NUM
arjefm-1283	129	13	(	(	PUNCT
arjefm-1283	129	14	bofia	bofia	NOUN
arjefm-1283	129	15	1991	1991	NUM
arjefm-1283	129	16	)	)	PUNCT
arjefm-1283	129	17	makes	make	VERB
arjefm-1283	129	18	it	it	PRON
arjefm-1283	129	19	compulsory	compulsory	ADJ
arjefm-1283	129	20	for	for	SCONJ
arjefm-1283	129	21	banks	bank	NOUN
arjefm-1283	129	22	to	to	PART
arjefm-1283	129	23	maintain	maintain	VERB
arjefm-1283	129	24	a	a	DET
arjefm-1283	129	25	reserve	reserve	NOUN
arjefm-1283	129	26	fund	fund	NOUN
arjefm-1283	129	27	out	out	ADP
arjefm-1283	129	28	of	of	ADP
arjefm-1283	129	29	the	the	DET
arjefm-1283	129	30	net	net	ADJ
arjefm-1283	129	31	profits	profit	NOUN
arjefm-1283	129	32	for	for	ADP
arjefm-1283	129	33	each	each	DET
arjefm-1283	129	34	year	year	NOUN
arjefm-1283	129	35	.	.	PUNCT
arjefm-1283	130	1	subsections	subsection	NOUN
arjefm-1283	130	2	1	1	NUM
arjefm-1283	130	3	(	(	PUNCT
arjefm-1283	130	4	a	a	NOUN
arjefm-1283	130	5	)	)	PUNCT
arjefm-1283	130	6	and	and	CCONJ
arjefm-1283	130	7	(	(	PUNCT
arjefm-1283	130	8	b	b	X
arjefm-1283	130	9	)	)	PUNCT
arjefm-1283	130	10	specify	specify	VERB
arjefm-1283	130	11	the	the	DET
arjefm-1283	130	12	percentage	percentage	NOUN
arjefm-1283	130	13	of	of	ADP
arjefm-1283	130	14	the	the	DET
arjefm-1283	130	15	net	net	ADJ
arjefm-1283	130	16	profit	profit	NOUN
arjefm-1283	130	17	that	that	PRON
arjefm-1283	130	18	should	should	AUX
arjefm-1283	130	19	be	be	AUX
arjefm-1283	130	20	transferred	transfer	VERB
arjefm-1283	130	21	to	to	ADP
arjefm-1283	130	22	this	this	DET
arjefm-1283	130	23	fund	fund	NOUN
arjefm-1283	130	24	based	base	VERB
arjefm-1283	130	25	on	on	ADP
arjefm-1283	130	26	the	the	DET
arjefm-1283	130	27	outstanding	outstanding	ADJ
arjefm-1283	130	28	amount	amount	NOUN
arjefm-1283	130	29	and	and	CCONJ
arjefm-1283	130	30	related	relate	VERB
arjefm-1283	130	31	to	to	ADP
arjefm-1283	130	32	the	the	DET
arjefm-1283	130	33	share	share	NOUN
arjefm-1283	130	34	capital	capital	NOUN
arjefm-1283	130	35	.	.	PUNCT
arjefm-1283	131	1	in	in	ADP
arjefm-1283	131	2	fact	fact	NOUN
arjefm-1283	131	3	,	,	PUNCT
arjefm-1283	131	4	section	section	NOUN
arjefm-1283	131	5	16(1	16(1	NUM
arjefm-1283	131	6	)	)	PUNCT
arjefm-1283	131	7	of	of	ADP
arjefm-1283	131	8	(	(	PUNCT
arjefm-1283	131	9	bofia	bofia	NOUN
arjefm-1283	131	10	1991	1991	NUM
arjefm-1283	131	11	)	)	PUNCT
arjefm-1283	131	12	states	state	VERB
arjefm-1283	131	13	that	that	SCONJ
arjefm-1283	131	14	an	an	DET
arjefm-1283	131	15	appropriation	appropriation	NOUN
arjefm-1283	131	16	of	of	ADP
arjefm-1283	131	17	30	30	NUM
arjefm-1283	131	18	%	%	NOUN
arjefm-1283	131	19	of	of	ADP
arjefm-1283	131	20	profit	profit	NOUN
arjefm-1283	131	21	after	after	ADP
arjefm-1283	131	22	tax	tax	NOUN
arjefm-1283	131	23	must	must	AUX
arjefm-1283	131	24	be	be	AUX
arjefm-1283	131	25	made	make	VERB
arjefm-1283	131	26	to	to	ADP
arjefm-1283	131	27	statutory	statutory	ADJ
arjefm-1283	131	28	reserve	reserve	NOUN
arjefm-1283	131	29	if	if	SCONJ
arjefm-1283	131	30	the	the	DET
arjefm-1283	131	31	statutory	statutory	PROPN
arjefm-1283	131	32	reserve	reserve	NOUN
arjefm-1283	131	33	is	be	AUX
arjefm-1283	131	34	less	less	ADJ
arjefm-1283	131	35	than	than	ADP
arjefm-1283	131	36	the	the	DET
arjefm-1283	131	37	paidup	paidup	ADJ
arjefm-1283	131	38	share	share	NOUN
arjefm-1283	131	39	capital	capital	NOUN
arjefm-1283	131	40	of	of	ADP
arjefm-1283	131	41	the	the	DET
arjefm-1283	131	42	bank	bank	NOUN
arjefm-1283	131	43	and	and	CCONJ
arjefm-1283	131	44	15	15	NUM
arjefm-1283	131	45	%	%	NOUN
arjefm-1283	131	46	of	of	ADP
arjefm-1283	131	47	profit	profit	NOUN
arjefm-1283	131	48	after	after	ADP
arjefm-1283	131	49	tax	tax	NOUN
arjefm-1283	131	50	if	if	SCONJ
arjefm-1283	131	51	the	the	DET
arjefm-1283	131	52	statutory	statutory	PROPN
arjefm-1283	131	53	reserve	reserve	NOUN
arjefm-1283	131	54	is	be	AUX
arjefm-1283	131	55	greater	great	ADJ
arjefm-1283	131	56	than	than	ADP
arjefm-1283	131	57	the	the	DET
arjefm-1283	131	58	paid	pay	VERB
arjefm-1283	131	59	up	up	ADP
arjefm-1283	131	60	share	share	NOUN
arjefm-1283	131	61	capital	capital	NOUN
arjefm-1283	131	62	of	of	ADP
arjefm-1283	131	63	the	the	DET
arjefm-1283	131	64	bank	bank	NOUN
arjefm-1283	131	65	(	(	PUNCT
arjefm-1283	131	66	ogbunobi	ogbunobi	NOUN
arjefm-1283	131	67	,	,	PUNCT
arjefm-1283	131	68	2010	2010	NUM
arjefm-1283	131	69	)	)	PUNCT
arjefm-1283	131	70	.	.	PUNCT
arjefm-1283	132	1	not	not	PART
arjefm-1283	132	2	only	only	ADV
arjefm-1283	132	3	does	do	AUX
arjefm-1283	132	4	the	the	DET
arjefm-1283	132	5	reserve	reserve	PROPN
arjefm-1283	132	6	requirement	requirement	PROPN
arjefm-1283	132	7	address	address	NOUN
arjefm-1283	132	8	liquidity	liquidity	NOUN
arjefm-1283	132	9	issues	issue	NOUN
arjefm-1283	132	10	and	and	CCONJ
arjefm-1283	132	11	enhance	enhance	VERB
arjefm-1283	132	12	the	the	DET
arjefm-1283	132	13	perception	perception	NOUN
arjefm-1283	132	14	of	of	ADP
arjefm-1283	132	15	stability	stability	NOUN
arjefm-1283	132	16	for	for	ADP
arjefm-1283	132	17	a	a	DET
arjefm-1283	132	18	nation	nation	NOUN
arjefm-1283	132	19	's	's	PART
arjefm-1283	132	20	banking	banking	NOUN
arjefm-1283	132	21	industry	industry	NOUN
arjefm-1283	132	22	,	,	PUNCT
arjefm-1283	132	23	it	it	PRON
arjefm-1283	132	24	can	can	AUX
arjefm-1283	132	25	also	also	ADV
arjefm-1283	132	26	have	have	VERB
arjefm-1283	132	27	a	a	DET
arjefm-1283	132	28	moderating	moderate	VERB
arjefm-1283	132	29	effect	effect	NOUN
arjefm-1283	132	30	on	on	ADP
arjefm-1283	132	31	a	a	DET
arjefm-1283	132	32	nation	nation	NOUN
arjefm-1283	132	33	's	's	PART
arjefm-1283	132	34	economy	economy	NOUN
arjefm-1283	132	35	.	.	PUNCT
arjefm-1283	133	1	if	if	SCONJ
arjefm-1283	133	2	the	the	DET
arjefm-1283	133	3	reserve	reserve	NOUN
arjefm-1283	133	4	requirement	requirement	NOUN
arjefm-1283	133	5	is	be	AUX
arjefm-1283	133	6	raised	raise	VERB
arjefm-1283	133	7	,	,	PUNCT
arjefm-1283	133	8	the	the	DET
arjefm-1283	133	9	amount	amount	NOUN
arjefm-1283	133	10	of	of	ADP
arjefm-1283	133	11	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	133	12	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	133	13	https://www.investopedia.com/terms/e/equityfinancing.asp	https://www.investopedia.com/terms/e/equityfinancing.asp	NOUN
arjefm-1283	133	14	https://www.wisegeek.com/what-is-a-credit-union.htm	https://www.wisegeek.com/what-is-a-credit-union.htm	PUNCT
arjefm-1283	133	15	https://www.wisegeek.com/what-is-a-central-bank.htm	https://www.wisegeek.com/what-is-a-central-bank.htm	PROPN
arjefm-1283	133	16	https://www.wisegeek.com/what-is-the-banking-industry.htm	https://www.wisegeek.com/what-is-the-banking-industry.htm	PROPN
arjefm-1283	133	17	american	american	PROPN
arjefm-1283	133	18	research	research	PROPN
arjefm-1283	133	19	journal	journal	PROPN
arjefm-1283	133	20	of	of	ADP
arjefm-1283	133	21	economics	economic	NOUN
arjefm-1283	133	22	,	,	PUNCT
arjefm-1283	133	23	finance	finance	NOUN
arjefm-1283	133	24	and	and	CCONJ
arjefm-1283	133	25	management	management	NOUN
arjefm-1283	133	26	volume	volume	NOUN
arjefm-1283	133	27	13	13	NUM
arjefm-1283	133	28	issue	issue	NOUN
arjefm-1283	133	29	4	4	NUM
arjefm-1283	133	30	,	,	PUNCT
arjefm-1283	133	31	october	october	PROPN
arjefm-1283	133	32	-	-	PUNCT
arjefm-1283	133	33	december	december	PROPN
arjefm-1283	133	34	2025	2025	NUM
arjefm-1283	133	35	issn	issn	NOUN
arjefm-1283	133	36	:	:	PUNCT
arjefm-1283	133	37	2836	2836	NUM
arjefm-1283	133	38	-	-	SYM
arjefm-1283	133	39	9416	9416	NUM
arjefm-1283	133	40	impact	impact	NOUN
arjefm-1283	133	41	factor	factor	NOUN
arjefm-1283	133	42	:	:	PUNCT
arjefm-1283	133	43	6.41	6.41	NUM
arjefm-1283	133	44	journal	journal	NOUN
arjefm-1283	133	45	homepage	homepage	NOUN
arjefm-1283	133	46	:	:	PUNCT
arjefm-1283	133	47	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	133	48	email	email	NOUN
arjefm-1283	133	49	:	:	PUNCT
arjefm-1283	133	50	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	133	51	official	official	ADJ
arjefm-1283	133	52	journal	journal	PROPN
arjefm-1283	133	53	of	of	ADP
arjefm-1283	133	54	america	america	PROPN
arjefm-1283	133	55	serial	serial	PROPN
arjefm-1283	133	56	publication	publication	NOUN
arjefm-1283	133	57	american	american	PROPN
arjefm-1283	133	58	research	research	PROPN
arjefm-1283	133	59	journal	journal	PROPN
arjefm-1283	133	60	of	of	ADP
arjefm-1283	133	61	economics	economic	NOUN
arjefm-1283	133	62	,	,	PUNCT
arjefm-1283	133	63	finance	finance	NOUN
arjefm-1283	133	64	and	and	CCONJ
arjefm-1283	133	65	management	management	NOUN
arjefm-1283	133	66	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	133	67	,	,	PUNCT
arjefm-1283	133	68	email	email	NOUN
arjefm-1283	133	69	:	:	PUNCT
arjefm-1283	133	70	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	134	1	36	36	NUM
arjefm-1283	135	1	|	|	ADV
arjefm-1283	135	2	p	p	X
arjefm-1283	135	3	a	a	DET
arjefm-1283	135	4	g	g	NOUN
arjefm-1283	135	5	e	e	NOUN
arjefm-1283	135	6	money	money	NOUN
arjefm-1283	135	7	available	available	ADJ
arjefm-1283	135	8	for	for	ADP
arjefm-1283	135	9	lending	lending	NOUN
arjefm-1283	135	10	is	be	AUX
arjefm-1283	135	11	automatically	automatically	ADV
arjefm-1283	135	12	reduced	reduce	VERB
arjefm-1283	135	13	,	,	PUNCT
arjefm-1283	135	14	effectively	effectively	ADV
arjefm-1283	135	15	slowing	slow	VERB
arjefm-1283	135	16	down	down	ADP
arjefm-1283	135	17	economic	economic	ADJ
arjefm-1283	135	18	activity	activity	NOUN
arjefm-1283	135	19	.	.	PUNCT
arjefm-1283	136	1	likewise	likewise	ADV
arjefm-1283	136	2	,	,	PUNCT
arjefm-1283	136	3	a	a	DET
arjefm-1283	136	4	reduction	reduction	NOUN
arjefm-1283	136	5	in	in	ADP
arjefm-1283	136	6	the	the	DET
arjefm-1283	136	7	reserve	reserve	NOUN
arjefm-1283	136	8	requirement	requirement	NOUN
arjefm-1283	136	9	can	can	AUX
arjefm-1283	136	10	potentially	potentially	ADV
arjefm-1283	136	11	increase	increase	VERB
arjefm-1283	136	12	the	the	DET
arjefm-1283	136	13	amount	amount	NOUN
arjefm-1283	136	14	of	of	ADP
arjefm-1283	136	15	money	money	NOUN
arjefm-1283	136	16	available	available	ADJ
arjefm-1283	136	17	for	for	ADP
arjefm-1283	136	18	lending	lending	NOUN
arjefm-1283	136	19	.	.	PUNCT
arjefm-1283	137	1	loan	loan	NOUN
arjefm-1283	137	2	and	and	CCONJ
arjefm-1283	137	3	advances	advance	NOUN
arjefm-1283	137	4	loans	loan	NOUN
arjefm-1283	137	5	refer	refer	VERB
arjefm-1283	137	6	to	to	ADP
arjefm-1283	137	7	a	a	DET
arjefm-1283	137	8	debt	debt	NOUN
arjefm-1283	137	9	provided	provide	VERB
arjefm-1283	137	10	by	by	ADP
arjefm-1283	137	11	a	a	DET
arjefm-1283	137	12	financial	financial	ADJ
arjefm-1283	137	13	institution	institution	NOUN
arjefm-1283	137	14	for	for	ADP
arjefm-1283	137	15	a	a	DET
arjefm-1283	137	16	particular	particular	ADJ
arjefm-1283	137	17	period	period	NOUN
arjefm-1283	137	18	while	while	SCONJ
arjefm-1283	137	19	advances	advance	NOUN
arjefm-1283	137	20	are	be	AUX
arjefm-1283	137	21	the	the	DET
arjefm-1283	137	22	funds	fund	NOUN
arjefm-1283	137	23	provided	provide	VERB
arjefm-1283	137	24	by	by	ADP
arjefm-1283	137	25	the	the	DET
arjefm-1283	137	26	banks	bank	NOUN
arjefm-1283	137	27	to	to	ADP
arjefm-1283	137	28	the	the	DET
arjefm-1283	137	29	business	business	NOUN
arjefm-1283	137	30	to	to	PART
arjefm-1283	137	31	fulfill	fulfill	VERB
arjefm-1283	137	32	working	work	VERB
arjefm-1283	137	33	capital	capital	NOUN
arjefm-1283	137	34	requirement	requirement	NOUN
arjefm-1283	137	35	which	which	PRON
arjefm-1283	137	36	are	be	AUX
arjefm-1283	137	37	to	to	PART
arjefm-1283	137	38	be	be	AUX
arjefm-1283	137	39	payable	payable	ADJ
arjefm-1283	137	40	within	within	ADP
arjefm-1283	137	41	one	one	NUM
arjefm-1283	137	42	year	year	NOUN
arjefm-1283	137	43	.	.	PUNCT
arjefm-1283	138	1	a	a	DET
arjefm-1283	138	2	loan	loan	NOUN
arjefm-1283	138	3	is	be	AUX
arjefm-1283	138	4	also	also	ADV
arjefm-1283	138	5	seen	see	VERB
arjefm-1283	138	6	as	as	ADP
arjefm-1283	138	7	an	an	DET
arjefm-1283	138	8	amount	amount	NOUN
arjefm-1283	138	9	borrowed	borrow	VERB
arjefm-1283	138	10	for	for	ADP
arjefm-1283	138	11	specific	specific	ADJ
arjefm-1283	138	12	financial	financial	ADJ
arjefm-1283	138	13	needs	need	NOUN
arjefm-1283	138	14	like	like	ADP
arjefm-1283	138	15	investing	invest	VERB
arjefm-1283	138	16	in	in	ADP
arjefm-1283	138	17	assets	asset	NOUN
arjefm-1283	138	18	,	,	PUNCT
arjefm-1283	138	19	purchasing	purchase	VERB
arjefm-1283	138	20	consumer	consumer	NOUN
arjefm-1283	138	21	durable	durable	ADJ
arjefm-1283	138	22	,	,	PUNCT
arjefm-1283	138	23	constructing	construct	VERB
arjefm-1283	138	24	a	a	DET
arjefm-1283	138	25	building	building	NOUN
arjefm-1283	138	26	,	,	PUNCT
arjefm-1283	138	27	making	make	VERB
arjefm-1283	138	28	payments	payment	NOUN
arjefm-1283	138	29	,	,	PUNCT
arjefm-1283	138	30	or	or	CCONJ
arjefm-1283	138	31	fulfilling	fulfil	VERB
arjefm-1283	138	32	financial	financial	ADJ
arjefm-1283	138	33	obligations	obligation	NOUN
arjefm-1283	138	34	so	so	SCONJ
arjefm-1283	138	35	that	that	SCONJ
arjefm-1283	138	36	business	business	NOUN
arjefm-1283	138	37	processes	process	NOUN
arjefm-1283	138	38	can	can	AUX
arjefm-1283	138	39	run	run	VERB
arjefm-1283	138	40	smoothly	smoothly	ADV
arjefm-1283	138	41	.	.	PUNCT
arjefm-1283	139	1	advances	advance	NOUN
arjefm-1283	139	2	are	be	AUX
arjefm-1283	139	3	also	also	ADV
arjefm-1283	139	4	provided	provide	VERB
arjefm-1283	139	5	by	by	ADP
arjefm-1283	139	6	banks	bank	NOUN
arjefm-1283	139	7	to	to	ADP
arjefm-1283	139	8	organizations	organization	NOUN
arjefm-1283	139	9	or	or	CCONJ
arjefm-1283	139	10	business	business	NOUN
arjefm-1283	139	11	owners	owner	NOUN
arjefm-1283	139	12	for	for	ADP
arjefm-1283	139	13	meeting	meet	VERB
arjefm-1283	139	14	their	their	PRON
arjefm-1283	139	15	capital	capital	NOUN
arjefm-1283	139	16	requirements	requirement	NOUN
arjefm-1283	139	17	.	.	PUNCT
arjefm-1283	140	1	loans	loan	NOUN
arjefm-1283	140	2	differs	differ	VERB
arjefm-1283	140	3	from	from	ADP
arjefm-1283	140	4	advances	advance	NOUN
arjefm-1283	140	5	in	in	ADP
arjefm-1283	140	6	two	two	NUM
arjefm-1283	140	7	major	major	ADJ
arjefm-1283	140	8	ways	way	NOUN
arjefm-1283	140	9	,	,	PUNCT
arjefm-1283	140	10	firstly	firstly	ADV
arjefm-1283	140	11	,	,	PUNCT
arjefm-1283	140	12	loans	loan	NOUN
arjefm-1283	140	13	are	be	AUX
arjefm-1283	140	14	a	a	DET
arjefm-1283	140	15	source	source	NOUN
arjefm-1283	140	16	of	of	ADP
arjefm-1283	140	17	long	long	ADJ
arjefm-1283	140	18	-	-	PUNCT
arjefm-1283	140	19	term	term	NOUN
arjefm-1283	140	20	financing	financing	NOUN
arjefm-1283	140	21	(	(	PUNCT
arjefm-1283	140	22	typically	typically	ADV
arjefm-1283	140	23	more	more	ADJ
arjefm-1283	140	24	than	than	ADP
arjefm-1283	140	25	a	a	PRON
arjefm-1283	140	26	year	year	NOUN
arjefm-1283	140	27	)	)	PUNCT
arjefm-1283	140	28	,	,	PUNCT
arjefm-1283	140	29	whereas	whereas	SCONJ
arjefm-1283	140	30	advances	advance	NOUN
arjefm-1283	140	31	are	be	AUX
arjefm-1283	140	32	a	a	DET
arjefm-1283	140	33	source	source	NOUN
arjefm-1283	140	34	of	of	ADP
arjefm-1283	140	35	short	short	ADJ
arjefm-1283	140	36	-	-	PUNCT
arjefm-1283	140	37	term	term	NOUN
arjefm-1283	140	38	financing	financing	NOUN
arjefm-1283	140	39	,	,	PUNCT
arjefm-1283	140	40	that	that	ADV
arjefm-1283	140	41	is	is	ADV
arjefm-1283	140	42	,	,	PUNCT
arjefm-1283	140	43	to	to	PART
arjefm-1283	140	44	be	be	AUX
arjefm-1283	140	45	repaid	repay	VERB
arjefm-1283	140	46	within	within	ADP
arjefm-1283	140	47	less	less	ADJ
arjefm-1283	140	48	than	than	ADP
arjefm-1283	140	49	a	a	PRON
arjefm-1283	140	50	year	year	NOUN
arjefm-1283	140	51	.	.	PUNCT
arjefm-1283	141	1	secondly	secondly	ADV
arjefm-1283	141	2	,	,	PUNCT
arjefm-1283	141	3	the	the	DET
arjefm-1283	141	4	monetary	monetary	ADJ
arjefm-1283	141	5	value	value	NOUN
arjefm-1283	141	6	of	of	ADP
arjefm-1283	141	7	an	an	DET
arjefm-1283	141	8	advance	advance	NOUN
arjefm-1283	141	9	is	be	AUX
arjefm-1283	141	10	usually	usually	ADV
arjefm-1283	141	11	less	less	ADJ
arjefm-1283	141	12	than	than	ADP
arjefm-1283	141	13	that	that	PRON
arjefm-1283	141	14	of	of	ADP
arjefm-1283	141	15	a	a	DET
arjefm-1283	141	16	loan	loan	NOUN
arjefm-1283	141	17	(	(	PUNCT
arjefm-1283	141	18	surbhi	surbhi	NOUN
arjefm-1283	141	19	,	,	PUNCT
arjefm-1283	141	20	2015	2015	NUM
arjefm-1283	141	21	)	)	PUNCT
arjefm-1283	141	22	.	.	PUNCT
arjefm-1283	142	1	banking	banking	NOUN
arjefm-1283	142	2	business	business	NOUN
arjefm-1283	142	3	is	be	AUX
arjefm-1283	142	4	all	all	ADV
arjefm-1283	142	5	about	about	ADP
arjefm-1283	142	6	collecting	collect	VERB
arjefm-1283	142	7	deposit	deposit	NOUN
arjefm-1283	142	8	from	from	ADP
arjefm-1283	142	9	members	member	NOUN
arjefm-1283	142	10	of	of	ADP
arjefm-1283	142	11	the	the	DET
arjefm-1283	142	12	public	public	NOUN
arjefm-1283	142	13	and	and	CCONJ
arjefm-1283	142	14	using	use	VERB
arjefm-1283	142	15	the	the	DET
arjefm-1283	142	16	deposit	deposit	NOUN
arjefm-1283	142	17	collected	collect	VERB
arjefm-1283	142	18	to	to	PART
arjefm-1283	142	19	create	create	VERB
arjefm-1283	142	20	loans	loan	NOUN
arjefm-1283	142	21	and	and	CCONJ
arjefm-1283	142	22	advances	advance	NOUN
arjefm-1283	142	23	to	to	ADP
arjefm-1283	142	24	borrowers	borrower	NOUN
arjefm-1283	142	25	.	.	PUNCT
arjefm-1283	143	1	this	this	DET
arjefm-1283	143	2	process	process	NOUN
arjefm-1283	143	3	is	be	AUX
arjefm-1283	143	4	known	know	VERB
arjefm-1283	143	5	as	as	ADP
arjefm-1283	143	6	financial	financial	ADJ
arjefm-1283	143	7	intermediation	intermediation	NOUN
arjefm-1283	143	8	.	.	PUNCT
arjefm-1283	144	1	therefore	therefore	ADV
arjefm-1283	144	2	lending	lending	NOUN
arjefm-1283	144	3	is	be	AUX
arjefm-1283	144	4	one	one	NUM
arjefm-1283	144	5	the	the	DET
arjefm-1283	144	6	fundamental	fundamental	ADJ
arjefm-1283	144	7	functions	function	NOUN
arjefm-1283	144	8	of	of	ADP
arjefm-1283	144	9	money	money	NOUN
arjefm-1283	144	10	deposit	deposit	NOUN
arjefm-1283	144	11	banks	bank	NOUN
arjefm-1283	144	12	.	.	PUNCT
arjefm-1283	145	1	loans	loan	NOUN
arjefm-1283	145	2	symbolize	symbolize	VERB
arjefm-1283	145	3	investment	investment	NOUN
arjefm-1283	145	4	and	and	CCONJ
arjefm-1283	145	5	typically	typically	ADV
arjefm-1283	145	6	constitute	constitute	VERB
arjefm-1283	145	7	the	the	DET
arjefm-1283	145	8	lengthened	lengthened	ADJ
arjefm-1283	145	9	assets	asset	NOUN
arjefm-1283	145	10	of	of	ADP
arjefm-1283	145	11	banks	bank	NOUN
arjefm-1283	145	12	.	.	PUNCT
arjefm-1283	146	1	individuals	individual	NOUN
arjefm-1283	146	2	and	and	CCONJ
arjefm-1283	146	3	firms	firm	NOUN
arjefm-1283	146	4	alike	alike	ADV
arjefm-1283	146	5	request	request	NOUN
arjefm-1283	146	6	for	for	ADP
arjefm-1283	146	7	loans	loan	NOUN
arjefm-1283	146	8	to	to	PART
arjefm-1283	146	9	meet	meet	VERB
arjefm-1283	146	10	their	their	PRON
arjefm-1283	146	11	various	various	ADJ
arjefm-1283	146	12	funding	funding	NOUN
arjefm-1283	146	13	needs	need	NOUN
arjefm-1283	146	14	(	(	PUNCT
arjefm-1283	146	15	gambo	gambo	NOUN
arjefm-1283	146	16	,	,	PUNCT
arjefm-1283	146	17	2017	2017	NUM
arjefm-1283	146	18	;	;	PUNCT
arjefm-1283	146	19	timsina	timsina	NOUN
arjefm-1283	146	20	,	,	PUNCT
arjefm-1283	146	21	2017	2017	NUM
arjefm-1283	146	22	;	;	PUNCT
arjefm-1283	146	23	akani	akani	NOUN
arjefm-1283	146	24	&	&	CCONJ
arjefm-1283	146	25	oparaordu	oparaordu	PROPN
arjefm-1283	146	26	,	,	PUNCT
arjefm-1283	146	27	2018	2018	NUM
arjefm-1283	146	28	)	)	PUNCT
arjefm-1283	146	29	.	.	PUNCT
arjefm-1283	147	1	lending	lending	NOUN
arjefm-1283	147	2	may	may	AUX
arjefm-1283	147	3	be	be	AUX
arjefm-1283	147	4	on	on	ADP
arjefm-1283	147	5	short	short	ADJ
arjefm-1283	147	6	,	,	PUNCT
arjefm-1283	147	7	medium	medium	ADJ
arjefm-1283	147	8	or	or	CCONJ
arjefm-1283	147	9	long	long	ADJ
arjefm-1283	147	10	-	-	PUNCT
arjefm-1283	147	11	term	term	NOUN
arjefm-1283	147	12	basis	basis	NOUN
arjefm-1283	147	13	and	and	CCONJ
arjefm-1283	147	14	is	be	AUX
arjefm-1283	147	15	one	one	NUM
arjefm-1283	147	16	of	of	ADP
arjefm-1283	147	17	the	the	DET
arjefm-1283	147	18	services	service	NOUN
arjefm-1283	147	19	that	that	PRON
arjefm-1283	147	20	commercial	commercial	ADJ
arjefm-1283	147	21	banks	bank	NOUN
arjefm-1283	147	22	do	do	AUX
arjefm-1283	147	23	render	render	VERB
arjefm-1283	147	24	to	to	ADP
arjefm-1283	147	25	their	their	PRON
arjefm-1283	147	26	customers	customer	NOUN
arjefm-1283	147	27	.	.	PUNCT
arjefm-1283	148	1	banks	bank	NOUN
arjefm-1283	148	2	give	give	VERB
arjefm-1283	148	3	loans	loan	NOUN
arjefm-1283	148	4	and	and	CCONJ
arjefm-1283	148	5	advances	advance	NOUN
arjefm-1283	148	6	to	to	ADP
arjefm-1283	148	7	individuals	individual	NOUN
arjefm-1283	148	8	,	,	PUNCT
arjefm-1283	148	9	firms	firm	NOUN
arjefm-1283	148	10	as	as	ADV
arjefm-1283	148	11	well	well	ADV
arjefm-1283	148	12	as	as	ADP
arjefm-1283	148	13	government	government	NOUN
arjefm-1283	148	14	in	in	ADP
arjefm-1283	148	15	order	order	NOUN
arjefm-1283	148	16	to	to	PART
arjefm-1283	148	17	enable	enable	VERB
arjefm-1283	148	18	them	they	PRON
arjefm-1283	148	19	carry	carry	VERB
arjefm-1283	148	20	out	out	ADP
arjefm-1283	148	21	investment	investment	NOUN
arjefm-1283	148	22	and	and	CCONJ
arjefm-1283	148	23	development	development	NOUN
arjefm-1283	148	24	activities	activity	NOUN
arjefm-1283	148	25	as	as	ADP
arjefm-1283	148	26	a	a	DET
arjefm-1283	148	27	way	way	NOUN
arjefm-1283	148	28	of	of	ADP
arjefm-1283	148	29	growing	grow	VERB
arjefm-1283	148	30	and	and	CCONJ
arjefm-1283	148	31	contributing	contribute	VERB
arjefm-1283	148	32	to	to	ADP
arjefm-1283	148	33	the	the	DET
arjefm-1283	148	34	economic	economic	ADJ
arjefm-1283	148	35	development	development	NOUN
arjefm-1283	148	36	of	of	ADP
arjefm-1283	148	37	a	a	DET
arjefm-1283	148	38	country	country	NOUN
arjefm-1283	148	39	.	.	PUNCT
arjefm-1283	149	1	2.2	2.2	NUM
arjefm-1283	149	2	theoretical	theoretical	ADJ
arjefm-1283	149	3	framework	framework	NOUN
arjefm-1283	149	4	2.2.1	2.2.1	NUM
arjefm-1283	149	5	buffer	buffer	NOUN
arjefm-1283	149	6	theory	theory	NOUN
arjefm-1283	149	7	of	of	ADP
arjefm-1283	149	8	capital	capital	NOUN
arjefm-1283	149	9	adequacy	adequacy	NOUN
arjefm-1283	149	10	the	the	DET
arjefm-1283	149	11	buffer	buffer	NOUN
arjefm-1283	149	12	theory	theory	NOUN
arjefm-1283	149	13	of	of	ADP
arjefm-1283	149	14	capital	capital	NOUN
arjefm-1283	149	15	adequacy	adequacy	NOUN
arjefm-1283	149	16	was	be	AUX
arjefm-1283	149	17	propounded	propound	VERB
arjefm-1283	149	18	by	by	ADP
arjefm-1283	149	19	calem	calem	PROPN
arjefm-1283	149	20	&	&	CCONJ
arjefm-1283	149	21	rob	rob	PROPN
arjefm-1283	149	22	in	in	ADP
arjefm-1283	149	23	1996	1996	NUM
arjefm-1283	149	24	.	.	PUNCT
arjefm-1283	150	1	the	the	DET
arjefm-1283	150	2	theory	theory	NOUN
arjefm-1283	150	3	postulates	postulate	VERB
arjefm-1283	150	4	that	that	SCONJ
arjefm-1283	150	5	capital	capital	NOUN
arjefm-1283	150	6	is	be	AUX
arjefm-1283	150	7	more	more	ADV
arjefm-1283	150	8	reliable	reliable	ADJ
arjefm-1283	150	9	,	,	PUNCT
arjefm-1283	150	10	dependable	dependable	ADJ
arjefm-1283	150	11	and	and	CCONJ
arjefm-1283	150	12	can	can	AUX
arjefm-1283	150	13	be	be	AUX
arjefm-1283	150	14	used	use	VERB
arjefm-1283	150	15	for	for	ADP
arjefm-1283	150	16	long	long	ADJ
arjefm-1283	150	17	term	term	NOUN
arjefm-1283	150	18	planning	planning	NOUN
arjefm-1283	150	19	.	.	PUNCT
arjefm-1283	151	1	more	more	ADJ
arjefm-1283	151	2	capital	capital	NOUN
arjefm-1283	151	3	tends	tend	VERB
arjefm-1283	151	4	to	to	PART
arjefm-1283	151	5	absorb	absorb	VERB
arjefm-1283	151	6	adverse	adverse	ADJ
arjefm-1283	151	7	shocks	shock	NOUN
arjefm-1283	151	8	and	and	CCONJ
arjefm-1283	151	9	thus	thus	ADV
arjefm-1283	151	10	reduces	reduce	VERB
arjefm-1283	151	11	the	the	DET
arjefm-1283	151	12	likelihood	likelihood	NOUN
arjefm-1283	151	13	of	of	ADP
arjefm-1283	151	14	failure	failure	NOUN
arjefm-1283	151	15	(	(	PUNCT
arjefm-1283	151	16	rime	rime	NOUN
arjefm-1283	151	17	,	,	PUNCT
arjefm-1283	151	18	2001	2001	NUM
arjefm-1283	151	19	)	)	PUNCT
arjefm-1283	151	20	.	.	PUNCT
arjefm-1283	152	1	banks	bank	NOUN
arjefm-1283	152	2	raise	raise	VERB
arjefm-1283	152	3	capital	capital	NOUN
arjefm-1283	152	4	when	when	SCONJ
arjefm-1283	152	5	the	the	DET
arjefm-1283	152	6	portfolio	portfolio	NOUN
arjefm-1283	152	7	risk	risk	NOUN
arjefm-1283	152	8	goes	go	VERB
arjefm-1283	152	9	up	up	ADP
arjefm-1283	152	10	in	in	ADP
arjefm-1283	152	11	order	order	NOUN
arjefm-1283	152	12	to	to	PART
arjefm-1283	152	13	keep	keep	VERB
arjefm-1283	152	14	up	up	ADP
arjefm-1283	152	15	their	their	PRON
arjefm-1283	152	16	capital	capital	NOUN
arjefm-1283	152	17	buffer	buffer	NOUN
arjefm-1283	152	18	(	(	PUNCT
arjefm-1283	152	19	laeven	laeven	PROPN
arjefm-1283	152	20	&	&	CCONJ
arjefm-1283	152	21	levine	levine	PROPN
arjefm-1283	152	22	,	,	PUNCT
arjefm-1283	152	23	2009	2009	NUM
arjefm-1283	152	24	)	)	PUNCT
arjefm-1283	152	25	.	.	PUNCT
arjefm-1283	153	1	the	the	DET
arjefm-1283	153	2	capital	capital	NOUN
arjefm-1283	153	3	buffer	buffer	NOUN
arjefm-1283	153	4	is	be	AUX
arjefm-1283	153	5	the	the	DET
arjefm-1283	153	6	excess	excess	ADJ
arjefm-1283	153	7	capital	capital	NOUN
arjefm-1283	153	8	a	a	DET
arjefm-1283	153	9	bank	bank	NOUN
arjefm-1283	153	10	holds	hold	VERB
arjefm-1283	153	11	above	above	ADP
arjefm-1283	153	12	the	the	DET
arjefm-1283	153	13	minimum	minimum	ADJ
arjefm-1283	153	14	capital	capital	NOUN
arjefm-1283	153	15	required	require	VERB
arjefm-1283	153	16	(	(	PUNCT
arjefm-1283	153	17	jokipii	jokipii	PROPN
arjefm-1283	153	18	&	&	CCONJ
arjefm-1283	153	19	milne	milne	PROPN
arjefm-1283	153	20	,	,	PUNCT
arjefm-1283	153	21	2011	2011	NUM
arjefm-1283	153	22	)	)	PUNCT
arjefm-1283	153	23	buffer	buffer	NOUN
arjefm-1283	153	24	theory	theory	NOUN
arjefm-1283	153	25	predicts	predict	VERB
arjefm-1283	153	26	that	that	SCONJ
arjefm-1283	153	27	a	a	DET
arjefm-1283	153	28	bank	bank	NOUN
arjefm-1283	153	29	approaching	approach	VERB
arjefm-1283	153	30	the	the	DET
arjefm-1283	153	31	regulatory	regulatory	ADJ
arjefm-1283	153	32	minimum	minimum	ADJ
arjefm-1283	153	33	capital	capital	NOUN
arjefm-1283	153	34	ratio	ratio	NOUN
arjefm-1283	153	35	may	may	AUX
arjefm-1283	153	36	have	have	VERB
arjefm-1283	153	37	an	an	DET
arjefm-1283	153	38	incentive	incentive	NOUN
arjefm-1283	153	39	to	to	PART
arjefm-1283	153	40	boost	boost	VERB
arjefm-1283	153	41	capital	capital	NOUN
arjefm-1283	153	42	and	and	CCONJ
arjefm-1283	153	43	reduce	reduce	VERB
arjefm-1283	153	44	risk	risk	NOUN
arjefm-1283	153	45	in	in	ADP
arjefm-1283	153	46	order	order	NOUN
arjefm-1283	153	47	to	to	PART
arjefm-1283	153	48	avoid	avoid	VERB
arjefm-1283	153	49	the	the	DET
arjefm-1283	153	50	regulatory	regulatory	ADJ
arjefm-1283	153	51	costs	cost	NOUN
arjefm-1283	153	52	triggered	trigger	VERB
arjefm-1283	153	53	by	by	ADP
arjefm-1283	153	54	a	a	DET
arjefm-1283	153	55	breach	breach	NOUN
arjefm-1283	153	56	of	of	ADP
arjefm-1283	153	57	the	the	DET
arjefm-1283	153	58	capital	capital	NOUN
arjefm-1283	153	59	requirements	requirement	NOUN
arjefm-1283	153	60	.	.	PUNCT
arjefm-1283	154	1	the	the	DET
arjefm-1283	154	2	capital	capital	NOUN
arjefm-1283	154	3	buffer	buffer	NOUN
arjefm-1283	154	4	theory	theory	NOUN
arjefm-1283	154	5	holds	hold	VERB
arjefm-1283	154	6	that	that	SCONJ
arjefm-1283	154	7	banks	bank	NOUN
arjefm-1283	154	8	with	with	ADP
arjefm-1283	154	9	low	low	ADJ
arjefm-1283	154	10	capital	capital	NOUN
arjefm-1283	154	11	buffers	buffer	NOUN
arjefm-1283	154	12	attempt	attempt	VERB
arjefm-1283	154	13	to	to	PART
arjefm-1283	154	14	rebuild	rebuild	VERB
arjefm-1283	154	15	an	an	DET
arjefm-1283	154	16	appropriate	appropriate	ADJ
arjefm-1283	154	17	capital	capital	NOUN
arjefm-1283	154	18	buffer	buffer	NOUN
arjefm-1283	154	19	by	by	ADP
arjefm-1283	154	20	raising	raise	VERB
arjefm-1283	154	21	capital	capital	NOUN
arjefm-1283	154	22	while	while	SCONJ
arjefm-1283	154	23	banks	bank	NOUN
arjefm-1283	154	24	with	with	ADP
arjefm-1283	154	25	high	high	ADJ
arjefm-1283	154	26	capital	capital	NOUN
arjefm-1283	154	27	buffers	buffer	NOUN
arjefm-1283	154	28	attempt	attempt	VERB
arjefm-1283	154	29	to	to	PART
arjefm-1283	154	30	maintain	maintain	VERB
arjefm-1283	154	31	their	their	PRON
arjefm-1283	154	32	capital	capital	NOUN
arjefm-1283	154	33	buffer	buffer	NOUN
arjefm-1283	154	34	.	.	PUNCT
arjefm-1283	155	1	however	however	ADV
arjefm-1283	155	2	,	,	PUNCT
arjefm-1283	155	3	poorly	poorly	ADV
arjefm-1283	155	4	capitalized	capitalize	VERB
arjefm-1283	155	5	banks	bank	NOUN
arjefm-1283	155	6	may	may	AUX
arjefm-1283	155	7	also	also	ADV
arjefm-1283	155	8	be	be	AUX
arjefm-1283	155	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	155	10	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	155	11	american	american	PROPN
arjefm-1283	155	12	research	research	PROPN
arjefm-1283	155	13	journal	journal	PROPN
arjefm-1283	155	14	of	of	ADP
arjefm-1283	155	15	economics	economic	NOUN
arjefm-1283	155	16	,	,	PUNCT
arjefm-1283	155	17	finance	finance	NOUN
arjefm-1283	155	18	and	and	CCONJ
arjefm-1283	155	19	management	management	NOUN
arjefm-1283	155	20	volume	volume	NOUN
arjefm-1283	155	21	13	13	NUM
arjefm-1283	155	22	issue	issue	NOUN
arjefm-1283	155	23	4	4	NUM
arjefm-1283	155	24	,	,	PUNCT
arjefm-1283	155	25	october	october	PROPN
arjefm-1283	155	26	-	-	PUNCT
arjefm-1283	155	27	december	december	PROPN
arjefm-1283	155	28	2025	2025	NUM
arjefm-1283	155	29	issn	issn	NOUN
arjefm-1283	155	30	:	:	PUNCT
arjefm-1283	155	31	2836	2836	NUM
arjefm-1283	155	32	-	-	SYM
arjefm-1283	155	33	9416	9416	NUM
arjefm-1283	155	34	impact	impact	NOUN
arjefm-1283	155	35	factor	factor	NOUN
arjefm-1283	155	36	:	:	PUNCT
arjefm-1283	155	37	6.41	6.41	NUM
arjefm-1283	155	38	journal	journal	NOUN
arjefm-1283	155	39	homepage	homepage	NOUN
arjefm-1283	155	40	:	:	PUNCT
arjefm-1283	155	41	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	155	42	email	email	NOUN
arjefm-1283	155	43	:	:	PUNCT
arjefm-1283	155	44	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	155	45	official	official	ADJ
arjefm-1283	155	46	journal	journal	PROPN
arjefm-1283	155	47	of	of	ADP
arjefm-1283	155	48	america	america	PROPN
arjefm-1283	155	49	serial	serial	PROPN
arjefm-1283	155	50	publication	publication	NOUN
arjefm-1283	155	51	american	american	PROPN
arjefm-1283	155	52	research	research	PROPN
arjefm-1283	155	53	journal	journal	PROPN
arjefm-1283	155	54	of	of	ADP
arjefm-1283	155	55	economics	economic	NOUN
arjefm-1283	155	56	,	,	PUNCT
arjefm-1283	155	57	finance	finance	NOUN
arjefm-1283	155	58	and	and	CCONJ
arjefm-1283	155	59	management	management	NOUN
arjefm-1283	155	60	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	155	61	,	,	PUNCT
arjefm-1283	155	62	email	email	NOUN
arjefm-1283	155	63	:	:	PUNCT
arjefm-1283	155	64	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	156	1	37	37	NUM
arjefm-1283	157	1	|	|	ADV
arjefm-1283	157	2	p	p	AUX
arjefm-1283	157	3	a	a	DET
arjefm-1283	157	4	g	g	NOUN
arjefm-1283	157	5	e	e	NOUN
arjefm-1283	157	6	tempted	tempt	VERB
arjefm-1283	157	7	to	to	PART
arjefm-1283	157	8	take	take	VERB
arjefm-1283	157	9	more	more	ADJ
arjefm-1283	157	10	risk	risk	NOUN
arjefm-1283	157	11	in	in	ADP
arjefm-1283	157	12	the	the	DET
arjefm-1283	157	13	hope	hope	NOUN
arjefm-1283	157	14	that	that	SCONJ
arjefm-1283	157	15	higher	high	ADJ
arjefm-1283	157	16	expected	expect	VERB
arjefm-1283	157	17	returns	return	NOUN
arjefm-1283	157	18	will	will	AUX
arjefm-1283	157	19	help	help	VERB
arjefm-1283	157	20	them	they	PRON
arjefm-1283	157	21	to	to	PART
arjefm-1283	157	22	increase	increase	VERB
arjefm-1283	157	23	their	their	PRON
arjefm-1283	157	24	capital	capital	NOUN
arjefm-1283	157	25	.	.	PUNCT
arjefm-1283	158	1	this	this	PRON
arjefm-1283	158	2	is	be	AUX
arjefm-1283	158	3	one	one	NUM
arjefm-1283	158	4	of	of	ADP
arjefm-1283	158	5	the	the	DET
arjefm-1283	158	6	ways	way	NOUN
arjefm-1283	158	7	risks	risk	NOUN
arjefm-1283	158	8	relating	relate	VERB
arjefm-1283	158	9	to	to	ADP
arjefm-1283	158	10	lower	low	ADJ
arjefm-1283	158	11	capital	capital	NOUN
arjefm-1283	158	12	adequacy	adequacy	NOUN
arjefm-1283	158	13	affects	affect	VERB
arjefm-1283	158	14	banking	banking	NOUN
arjefm-1283	158	15	operations	operation	NOUN
arjefm-1283	158	16	.	.	PUNCT
arjefm-1283	159	1	in	in	ADP
arjefm-1283	159	2	the	the	DET
arjefm-1283	159	3	event	event	NOUN
arjefm-1283	159	4	of	of	ADP
arjefm-1283	159	5	bankruptcy	bankruptcy	NOUN
arjefm-1283	159	6	of	of	ADP
arjefm-1283	159	7	a	a	DET
arjefm-1283	159	8	bank	bank	NOUN
arjefm-1283	159	9	,	,	PUNCT
arjefm-1283	159	10	the	the	DET
arjefm-1283	159	11	risks	risk	NOUN
arjefm-1283	159	12	are	be	AUX
arjefm-1283	159	13	absorbed	absorb	VERB
arjefm-1283	159	14	by	by	ADP
arjefm-1283	159	15	the	the	DET
arjefm-1283	159	16	bank	bank	NOUN
arjefm-1283	159	17	,	,	PUNCT
arjefm-1283	159	18	customers	customer	NOUN
arjefm-1283	159	19	and	and	CCONJ
arjefm-1283	159	20	deposit	deposit	NOUN
arjefm-1283	159	21	insurance	insurance	NOUN
arjefm-1283	159	22	corporation	corporation	NOUN
arjefm-1283	159	23	.	.	PUNCT
arjefm-1283	160	1	the	the	DET
arjefm-1283	160	2	main	main	ADJ
arjefm-1283	160	3	objective	objective	NOUN
arjefm-1283	160	4	of	of	ADP
arjefm-1283	160	5	the	the	DET
arjefm-1283	160	6	study	study	NOUN
arjefm-1283	160	7	is	be	AUX
arjefm-1283	160	8	to	to	PART
arjefm-1283	160	9	investigate	investigate	VERB
arjefm-1283	160	10	the	the	DET
arjefm-1283	160	11	effect	effect	NOUN
arjefm-1283	160	12	of	of	ADP
arjefm-1283	160	13	tier	tier	NOUN
arjefm-1283	160	14	one	one	NUM
arjefm-1283	160	15	capital	capital	NOUN
arjefm-1283	160	16	components	component	NOUN
arjefm-1283	160	17	on	on	ADP
arjefm-1283	160	18	loan	loan	NOUN
arjefm-1283	160	19	portfolio	portfolio	NOUN
arjefm-1283	160	20	of	of	ADP
arjefm-1283	160	21	deposit	deposit	NOUN
arjefm-1283	160	22	money	money	NOUN
arjefm-1283	160	23	banks	bank	NOUN
arjefm-1283	160	24	in	in	ADP
arjefm-1283	160	25	nigeria	nigeria	PROPN
arjefm-1283	160	26	.	.	PUNCT
arjefm-1283	161	1	the	the	DET
arjefm-1283	161	2	buffer	buffer	NOUN
arjefm-1283	161	3	theory	theory	NOUN
arjefm-1283	161	4	of	of	ADP
arjefm-1283	161	5	capital	capital	NOUN
arjefm-1283	161	6	adequacy	adequacy	NOUN
arjefm-1283	161	7	on	on	ADP
arjefm-1283	161	8	the	the	DET
arjefm-1283	161	9	other	other	ADJ
arjefm-1283	161	10	hand	hand	NOUN
arjefm-1283	161	11	states	state	NOUN
arjefm-1283	161	12	that	that	SCONJ
arjefm-1283	161	13	an	an	DET
arjefm-1283	161	14	adequate	adequate	ADJ
arjefm-1283	161	15	capital	capital	NOUN
arjefm-1283	161	16	tends	tend	VERB
arjefm-1283	161	17	to	to	PART
arjefm-1283	161	18	absorb	absorb	VERB
arjefm-1283	161	19	adverse	adverse	ADJ
arjefm-1283	161	20	shocks	shock	NOUN
arjefm-1283	161	21	and	and	CCONJ
arjefm-1283	161	22	thus	thus	ADV
arjefm-1283	161	23	reduces	reduce	VERB
arjefm-1283	161	24	the	the	DET
arjefm-1283	161	25	likelihood	likelihood	NOUN
arjefm-1283	161	26	of	of	ADP
arjefm-1283	161	27	bank	bank	NOUN
arjefm-1283	161	28	failures	failure	NOUN
arjefm-1283	161	29	.	.	PUNCT
arjefm-1283	162	1	therefore	therefore	ADV
arjefm-1283	162	2	,	,	PUNCT
arjefm-1283	162	3	banks	bank	NOUN
arjefm-1283	162	4	raise	raise	VERB
arjefm-1283	162	5	capital	capital	NOUN
arjefm-1283	162	6	when	when	SCONJ
arjefm-1283	162	7	the	the	DET
arjefm-1283	162	8	bank	bank	NOUN
arjefm-1283	162	9	loan	loan	NOUN
arjefm-1283	162	10	portfolio	portfolio	NOUN
arjefm-1283	162	11	risk	risk	NOUN
arjefm-1283	162	12	goes	go	VERB
arjefm-1283	162	13	up	up	ADP
arjefm-1283	162	14	in	in	ADP
arjefm-1283	162	15	order	order	NOUN
arjefm-1283	162	16	to	to	PART
arjefm-1283	162	17	keep	keep	VERB
arjefm-1283	162	18	up	up	ADP
arjefm-1283	162	19	their	their	PRON
arjefm-1283	162	20	capital	capital	NOUN
arjefm-1283	162	21	buffer	buffer	NOUN
arjefm-1283	162	22	.	.	PUNCT
arjefm-1283	163	1	this	this	DET
arjefm-1283	163	2	theory	theory	NOUN
arjefm-1283	163	3	predicts	predict	VERB
arjefm-1283	163	4	that	that	SCONJ
arjefm-1283	163	5	as	as	SCONJ
arjefm-1283	163	6	a	a	DET
arjefm-1283	163	7	bank	bank	NOUN
arjefm-1283	163	8	approaches	approach	VERB
arjefm-1283	163	9	the	the	DET
arjefm-1283	163	10	regulatory	regulatory	ADJ
arjefm-1283	163	11	minimum	minimum	ADJ
arjefm-1283	163	12	capital	capital	NOUN
arjefm-1283	163	13	requirement	requirement	NOUN
arjefm-1283	163	14	,	,	PUNCT
arjefm-1283	163	15	it	it	PRON
arjefm-1283	163	16	will	will	AUX
arjefm-1283	163	17	have	have	VERB
arjefm-1283	163	18	the	the	DET
arjefm-1283	163	19	urge	urge	NOUN
arjefm-1283	163	20	to	to	PART
arjefm-1283	163	21	boost	boost	VERB
arjefm-1283	163	22	capital	capital	NOUN
arjefm-1283	163	23	so	so	SCONJ
arjefm-1283	163	24	as	as	SCONJ
arjefm-1283	163	25	to	to	PART
arjefm-1283	163	26	reduce	reduce	VERB
arjefm-1283	163	27	risk	risk	NOUN
arjefm-1283	163	28	in	in	ADP
arjefm-1283	163	29	order	order	NOUN
arjefm-1283	163	30	to	to	PART
arjefm-1283	163	31	avoid	avoid	VERB
arjefm-1283	163	32	the	the	DET
arjefm-1283	163	33	regulatory	regulatory	ADJ
arjefm-1283	163	34	costs	cost	NOUN
arjefm-1283	163	35	triggered	trigger	VERB
arjefm-1283	163	36	by	by	ADP
arjefm-1283	163	37	a	a	DET
arjefm-1283	163	38	breach	breach	NOUN
arjefm-1283	163	39	of	of	ADP
arjefm-1283	163	40	the	the	DET
arjefm-1283	163	41	capital	capital	NOUN
arjefm-1283	163	42	requirements	requirement	NOUN
arjefm-1283	163	43	.	.	PUNCT
arjefm-1283	164	1	since	since	SCONJ
arjefm-1283	164	2	buffer	buffer	NOUN
arjefm-1283	164	3	theory	theory	NOUN
arjefm-1283	164	4	deals	deal	NOUN
arjefm-1283	164	5	with	with	ADP
arjefm-1283	164	6	bank	bank	NOUN
arjefm-1283	164	7	regulatory	regulatory	ADJ
arjefm-1283	164	8	capital	capital	NOUN
arjefm-1283	164	9	,	,	PUNCT
arjefm-1283	164	10	the	the	DET
arjefm-1283	164	11	need	need	NOUN
arjefm-1283	164	12	for	for	ADP
arjefm-1283	164	13	capital	capital	NOUN
arjefm-1283	164	14	adequacy	adequacy	NOUN
arjefm-1283	164	15	and	and	CCONJ
arjefm-1283	164	16	the	the	DET
arjefm-1283	164	17	need	need	NOUN
arjefm-1283	164	18	to	to	PART
arjefm-1283	164	19	reduce	reduce	VERB
arjefm-1283	164	20	loan	loan	NOUN
arjefm-1283	164	21	portfolio	portfolio	NOUN
arjefm-1283	164	22	risk	risk	NOUN
arjefm-1283	164	23	which	which	PRON
arjefm-1283	164	24	are	be	AUX
arjefm-1283	164	25	the	the	DET
arjefm-1283	164	26	pertinent	pertinent	ADJ
arjefm-1283	164	27	issue	issue	NOUN
arjefm-1283	164	28	in	in	ADP
arjefm-1283	164	29	the	the	DET
arjefm-1283	164	30	study	study	NOUN
arjefm-1283	164	31	,	,	PUNCT
arjefm-1283	164	32	we	we	PRON
arjefm-1283	164	33	hereby	hereby	ADV
arjefm-1283	164	34	anchor	anchor	VERB
arjefm-1283	164	35	the	the	DET
arjefm-1283	164	36	study	study	NOUN
arjefm-1283	164	37	on	on	ADP
arjefm-1283	164	38	buffer	buffer	NOUN
arjefm-1283	164	39	theory	theory	NOUN
arjefm-1283	164	40	of	of	ADP
arjefm-1283	164	41	capital	capital	NOUN
arjefm-1283	164	42	adequacy	adequacy	NOUN
arjefm-1283	164	43	developed	develop	VERB
arjefm-1283	164	44	.	.	PUNCT
arjefm-1283	165	1	2.3	2.3	NUM
arjefm-1283	165	2	empirical	empirical	ADJ
arjefm-1283	165	3	review	review	NOUN
arjefm-1283	165	4	ali	ali	PROPN
arjefm-1283	165	5	and	and	CCONJ
arjefm-1283	165	6	marsida	marsida	PROPN
arjefm-1283	165	7	(	(	PUNCT
arjefm-1283	165	8	2015	2015	NUM
arjefm-1283	165	9	)	)	PUNCT
arjefm-1283	165	10	studied	study	VERB
arjefm-1283	165	11	the	the	DET
arjefm-1283	165	12	influence	influence	NOUN
arjefm-1283	165	13	of	of	ADP
arjefm-1283	165	14	some	some	DET
arjefm-1283	165	15	macroeconomic	macroeconomic	ADJ
arjefm-1283	165	16	and	and	CCONJ
arjefm-1283	165	17	banking	banking	NOUN
arjefm-1283	165	18	factors	factor	NOUN
arjefm-1283	165	19	on	on	ADP
arjefm-1283	165	20	credit	credit	NOUN
arjefm-1283	165	21	growth	growth	NOUN
arjefm-1283	165	22	in	in	ADP
arjefm-1283	165	23	the	the	DET
arjefm-1283	165	24	albanian	albanian	ADJ
arjefm-1283	165	25	banking	banking	NOUN
arjefm-1283	165	26	system	system	NOUN
arjefm-1283	165	27	from	from	ADP
arjefm-1283	165	28	2002	2002	NUM
arjefm-1283	165	29	to	to	ADP
arjefm-1283	165	30	2013	2013	NUM
arjefm-1283	165	31	.	.	PUNCT
arjefm-1283	166	1	the	the	DET
arjefm-1283	166	2	study	study	NOUN
arjefm-1283	166	3	used	use	VERB
arjefm-1283	166	4	credit	credit	NOUN
arjefm-1283	166	5	growth	growth	NOUN
arjefm-1283	166	6	as	as	ADP
arjefm-1283	166	7	a	a	DET
arjefm-1283	166	8	dependent	dependent	ADJ
arjefm-1283	166	9	variable	variable	NOUN
arjefm-1283	166	10	while	while	SCONJ
arjefm-1283	166	11	gdp	gdp	NOUN
arjefm-1283	166	12	growth	growth	NOUN
arjefm-1283	166	13	,	,	PUNCT
arjefm-1283	166	14	inflation	inflation	NOUN
arjefm-1283	166	15	rate	rate	NOUN
arjefm-1283	166	16	,	,	PUNCT
arjefm-1283	166	17	unemployment	unemployment	NOUN
arjefm-1283	166	18	rate	rate	NOUN
arjefm-1283	166	19	,	,	PUNCT
arjefm-1283	166	20	loan	loan	NOUN
arjefm-1283	166	21	interest	interest	NOUN
arjefm-1283	166	22	rate	rate	NOUN
arjefm-1283	166	23	,	,	PUNCT
arjefm-1283	166	24	capital	capital	NOUN
arjefm-1283	166	25	adequacy	adequacy	NOUN
arjefm-1283	166	26	ratio	ratio	NOUN
arjefm-1283	166	27	,	,	PUNCT
arjefm-1283	166	28	bank	bank	NOUN
arjefm-1283	166	29	size	size	NOUN
arjefm-1283	166	30	and	and	CCONJ
arjefm-1283	166	31	npl	npl	PROPN
arjefm-1283	166	32	ratio	ratio	NOUN
arjefm-1283	166	33	were	be	AUX
arjefm-1283	166	34	used	use	VERB
arjefm-1283	166	35	as	as	ADP
arjefm-1283	166	36	the	the	DET
arjefm-1283	166	37	independent	independent	ADJ
arjefm-1283	166	38	variables	variable	NOUN
arjefm-1283	166	39	.	.	PUNCT
arjefm-1283	167	1	ordinary	ordinary	ADJ
arjefm-1283	167	2	least	least	ADJ
arjefm-1283	167	3	squares	square	NOUN
arjefm-1283	167	4	(	(	PUNCT
arjefm-1283	167	5	ols	ol	NOUN
arjefm-1283	167	6	)	)	PUNCT
arjefm-1283	167	7	regression	regression	NOUN
arjefm-1283	167	8	model	model	NOUN
arjefm-1283	167	9	was	be	AUX
arjefm-1283	167	10	used	use	VERB
arjefm-1283	167	11	to	to	PART
arjefm-1283	167	12	analyze	analyze	VERB
arjefm-1283	167	13	the	the	DET
arjefm-1283	167	14	data	datum	NOUN
arjefm-1283	167	15	collected	collect	VERB
arjefm-1283	167	16	for	for	ADP
arjefm-1283	167	17	the	the	DET
arjefm-1283	167	18	study	study	NOUN
arjefm-1283	167	19	.	.	PUNCT
arjefm-1283	168	1	quarterly	quarterly	ADJ
arjefm-1283	168	2	panel	panel	NOUN
arjefm-1283	168	3	data	datum	NOUN
arjefm-1283	168	4	for	for	ADP
arjefm-1283	168	5	the	the	DET
arjefm-1283	168	6	whole	whole	ADJ
arjefm-1283	168	7	albanian	albanian	ADJ
arjefm-1283	168	8	banking	banking	NOUN
arjefm-1283	168	9	system	system	NOUN
arjefm-1283	168	10	with	with	ADP
arjefm-1283	168	11	a	a	DET
arjefm-1283	168	12	total	total	NOUN
arjefm-1283	168	13	of	of	ADP
arjefm-1283	168	14	48	48	NUM
arjefm-1283	168	15	observations	observation	NOUN
arjefm-1283	168	16	per	per	ADP
arjefm-1283	168	17	each	each	DET
arjefm-1283	168	18	variable	variable	NOUN
arjefm-1283	168	19	were	be	AUX
arjefm-1283	168	20	collected	collect	VERB
arjefm-1283	168	21	.	.	PUNCT
arjefm-1283	169	1	result	result	NOUN
arjefm-1283	169	2	shows	show	VERB
arjefm-1283	169	3	that	that	SCONJ
arjefm-1283	169	4	the	the	DET
arjefm-1283	169	5	credit	credit	NOUN
arjefm-1283	169	6	growth	growth	NOUN
arjefm-1283	169	7	in	in	ADP
arjefm-1283	169	8	the	the	DET
arjefm-1283	169	9	albanian	albanian	ADJ
arjefm-1283	169	10	banking	banking	NOUN
arjefm-1283	169	11	system	system	NOUN
arjefm-1283	169	12	is	be	AUX
arjefm-1283	169	13	positively	positively	ADV
arjefm-1283	169	14	related	relate	VERB
arjefm-1283	169	15	to	to	ADP
arjefm-1283	169	16	gdp	gdp	NOUN
arjefm-1283	169	17	growth	growth	NOUN
arjefm-1283	169	18	,	,	PUNCT
arjefm-1283	169	19	inflation	inflation	NOUN
arjefm-1283	169	20	rate	rate	NOUN
arjefm-1283	169	21	and	and	CCONJ
arjefm-1283	169	22	capital	capital	NOUN
arjefm-1283	169	23	adequacy	adequacy	NOUN
arjefm-1283	169	24	ratio	ratio	NOUN
arjefm-1283	169	25	while	while	SCONJ
arjefm-1283	169	26	is	be	AUX
arjefm-1283	169	27	negatively	negatively	ADV
arjefm-1283	169	28	related	relate	VERB
arjefm-1283	169	29	to	to	ADP
arjefm-1283	169	30	unemployment	unemployment	NOUN
arjefm-1283	169	31	rate	rate	NOUN
arjefm-1283	169	32	,	,	PUNCT
arjefm-1283	169	33	interest	interest	NOUN
arjefm-1283	169	34	rate	rate	NOUN
arjefm-1283	169	35	,	,	PUNCT
arjefm-1283	169	36	non	non	ADJ
arjefm-1283	169	37	-	-	ADJ
arjefm-1283	169	38	performing	performing	ADJ
arjefm-1283	169	39	loans	loan	NOUN
arjefm-1283	169	40	and	and	CCONJ
arjefm-1283	169	41	bank	bank	NOUN
arjefm-1283	169	42	size	size	NOUN
arjefm-1283	169	43	.	.	PUNCT
arjefm-1283	170	1	gambo	gambo	PROPN
arjefm-1283	170	2	(	(	PUNCT
arjefm-1283	170	3	2017	2017	NUM
arjefm-1283	170	4	)	)	PUNCT
arjefm-1283	170	5	studied	study	VERB
arjefm-1283	170	6	the	the	DET
arjefm-1283	170	7	relationship	relationship	NOUN
arjefm-1283	170	8	between	between	ADP
arjefm-1283	170	9	bank	bank	NOUN
arjefm-1283	170	10	specific	specific	ADJ
arjefm-1283	170	11	and	and	CCONJ
arjefm-1283	170	12	macroeconomic	macroeconomic	ADJ
arjefm-1283	170	13	determinant	determinant	ADJ
arjefm-1283	170	14	of	of	ADP
arjefm-1283	170	15	non	non	ADJ
arjefm-1283	170	16	-	-	ADJ
arjefm-1283	170	17	performing	performing	ADJ
arjefm-1283	170	18	loans	loan	NOUN
arjefm-1283	170	19	in	in	ADP
arjefm-1283	170	20	nigerian	nigerian	ADJ
arjefm-1283	170	21	deposit	deposit	NOUN
arjefm-1283	170	22	money	money	NOUN
arjefm-1283	170	23	banks	bank	NOUN
arjefm-1283	170	24	over	over	ADP
arjefm-1283	170	25	the	the	DET
arjefm-1283	170	26	period	period	NOUN
arjefm-1283	170	27	of	of	ADP
arjefm-1283	170	28	5	5	NUM
arjefm-1283	170	29	years	year	NOUN
arjefm-1283	170	30	(	(	PUNCT
arjefm-1283	170	31	2010	2010	NUM
arjefm-1283	170	32	to	to	ADP
arjefm-1283	170	33	2014	2014	NUM
arjefm-1283	170	34	)	)	PUNCT
arjefm-1283	170	35	.	.	PUNCT
arjefm-1283	171	1	a	a	DET
arjefm-1283	171	2	sample	sample	NOUN
arjefm-1283	171	3	of	of	ADP
arjefm-1283	171	4	10	10	NUM
arjefm-1283	171	5	banks	bank	NOUN
arjefm-1283	171	6	out	out	ADP
arjefm-1283	171	7	of	of	ADP
arjefm-1283	171	8	15	15	NUM
arjefm-1283	171	9	quoted	quote	VERB
arjefm-1283	171	10	by	by	ADP
arjefm-1283	171	11	the	the	DET
arjefm-1283	171	12	nigerian	nigerian	ADJ
arjefm-1283	171	13	stock	stock	NOUN
arjefm-1283	171	14	exchange	exchange	PROPN
arjefm-1283	171	15	(	(	PUNCT
arjefm-1283	171	16	nse	nse	NOUN
arjefm-1283	171	17	)	)	PUNCT
arjefm-1283	171	18	was	be	AUX
arjefm-1283	171	19	considered	consider	VERB
arjefm-1283	171	20	on	on	ADP
arjefm-1283	171	21	a	a	DET
arjefm-1283	171	22	cross	cross	ADJ
arjefm-1283	171	23	sectional	sectional	ADJ
arjefm-1283	171	24	basis	basis	NOUN
arjefm-1283	171	25	.	.	PUNCT
arjefm-1283	172	1	non	non	ADJ
arjefm-1283	172	2	-	-	ADJ
arjefm-1283	172	3	survey	survey	ADJ
arjefm-1283	172	4	research	research	NOUN
arjefm-1283	172	5	design	design	NOUN
arjefm-1283	172	6	and	and	CCONJ
arjefm-1283	172	7	secondary	secondary	ADJ
arjefm-1283	172	8	data	datum	NOUN
arjefm-1283	172	9	were	be	AUX
arjefm-1283	172	10	used	use	VERB
arjefm-1283	172	11	and	and	CCONJ
arjefm-1283	172	12	these	these	PRON
arjefm-1283	172	13	were	be	AUX
arjefm-1283	172	14	obtained	obtain	VERB
arjefm-1283	172	15	from	from	ADP
arjefm-1283	172	16	the	the	DET
arjefm-1283	172	17	banks	bank	NOUN
arjefm-1283	172	18	’	’	PART
arjefm-1283	172	19	annual	annual	ADJ
arjefm-1283	172	20	reports	report	NOUN
arjefm-1283	172	21	and	and	CCONJ
arjefm-1283	172	22	accounts	account	NOUN
arjefm-1283	172	23	,	,	PUNCT
arjefm-1283	172	24	central	central	ADJ
arjefm-1283	172	25	bank	bank	NOUN
arjefm-1283	172	26	of	of	ADP
arjefm-1283	172	27	nigeria	nigeria	PROPN
arjefm-1283	172	28	(	(	PUNCT
arjefm-1283	172	29	cbn	cbn	PROPN
arjefm-1283	172	30	)	)	PUNCT
arjefm-1283	172	31	and	and	CCONJ
arjefm-1283	172	32	nigerian	nigerian	ADJ
arjefm-1283	172	33	stock	stock	NOUN
arjefm-1283	172	34	exchange	exchange	PROPN
arjefm-1283	172	35	fact	fact	NOUN
arjefm-1283	172	36	book	book	NOUN
arjefm-1283	172	37	.	.	PUNCT
arjefm-1283	173	1	the	the	DET
arjefm-1283	173	2	data	datum	NOUN
arjefm-1283	173	3	were	be	AUX
arjefm-1283	173	4	analyzed	analyze	VERB
arjefm-1283	173	5	using	use	VERB
arjefm-1283	173	6	descriptive	descriptive	ADJ
arjefm-1283	173	7	statistics	statistic	NOUN
arjefm-1283	173	8	,	,	PUNCT
arjefm-1283	173	9	correlation	correlation	NOUN
arjefm-1283	173	10	coefficient	coefficient	NOUN
arjefm-1283	173	11	and	and	CCONJ
arjefm-1283	173	12	multiple	multiple	ADJ
arjefm-1283	173	13	regressions	regression	NOUN
arjefm-1283	173	14	.	.	PUNCT
arjefm-1283	174	1	results	result	NOUN
arjefm-1283	174	2	suggest	suggest	VERB
arjefm-1283	174	3	that	that	SCONJ
arjefm-1283	174	4	the	the	DET
arjefm-1283	174	5	relationship	relationship	NOUN
arjefm-1283	174	6	between	between	ADP
arjefm-1283	174	7	capital	capital	NOUN
arjefm-1283	174	8	adequacy	adequacy	NOUN
arjefm-1283	174	9	ratio	ratio	NOUN
arjefm-1283	174	10	and	and	CCONJ
arjefm-1283	174	11	inflation	inflation	NOUN
arjefm-1283	174	12	reveals	reveal	VERB
arjefm-1283	174	13	a	a	DET
arjefm-1283	174	14	positive	positive	ADJ
arjefm-1283	174	15	insignificant	insignificant	ADJ
arjefm-1283	174	16	relationship	relationship	NOUN
arjefm-1283	174	17	;	;	PUNCT
arjefm-1283	174	18	whereas	whereas	SCONJ
arjefm-1283	174	19	return	return	NOUN
arjefm-1283	174	20	on	on	ADP
arjefm-1283	174	21	asset	asset	NOUN
arjefm-1283	174	22	had	have	VERB
arjefm-1283	174	23	negative	negative	ADJ
arjefm-1283	174	24	insignificant	insignificant	ADJ
arjefm-1283	174	25	relationship	relationship	NOUN
arjefm-1283	174	26	with	with	ADP
arjefm-1283	174	27	the	the	DET
arjefm-1283	174	28	rate	rate	NOUN
arjefm-1283	174	29	of	of	ADP
arjefm-1283	174	30	non	non	ADJ
arjefm-1283	174	31	-	-	ADJ
arjefm-1283	174	32	performing	perform	VERB
arjefm-1283	174	33	loans	loan	NOUN
arjefm-1283	174	34	.	.	PUNCT
arjefm-1283	175	1	the	the	DET
arjefm-1283	175	2	study	study	NOUN
arjefm-1283	175	3	recommended	recommend	VERB
arjefm-1283	175	4	that	that	SCONJ
arjefm-1283	175	5	cbn	cbn	PROPN
arjefm-1283	175	6	for	for	ADP
arjefm-1283	175	7	policy	policy	NOUN
arjefm-1283	175	8	purposes	purpose	NOUN
arjefm-1283	175	9	should	should	AUX
arjefm-1283	175	10	frequently	frequently	ADV
arjefm-1283	175	11	assess	assess	VERB
arjefm-1283	175	12	the	the	DET
arjefm-1283	175	13	lending	lending	NOUN
arjefm-1283	175	14	habit	habit	NOUN
arjefm-1283	175	15	of	of	ADP
arjefm-1283	175	16	deposit	deposit	NOUN
arjefm-1283	175	17	money	money	NOUN
arjefm-1283	175	18	banks	bank	NOUN
arjefm-1283	175	19	in	in	ADP
arjefm-1283	175	20	nigeria	nigeria	PROPN
arjefm-1283	175	21	.	.	PUNCT
arjefm-1283	176	1	finally	finally	ADV
arjefm-1283	176	2	,	,	PUNCT
arjefm-1283	176	3	strengthening	strengthen	VERB
arjefm-1283	176	4	securities	security	NOUN
arjefm-1283	176	5	market	market	NOUN
arjefm-1283	176	6	will	will	AUX
arjefm-1283	176	7	have	have	VERB
arjefm-1283	176	8	a	a	DET
arjefm-1283	176	9	positive	positive	ADJ
arjefm-1283	176	10	impact	impact	NOUN
arjefm-1283	176	11	on	on	ADP
arjefm-1283	176	12	the	the	DET
arjefm-1283	176	13	general	general	ADJ
arjefm-1283	176	14	improvement	improvement	NOUN
arjefm-1283	176	15	of	of	ADP
arjefm-1283	176	16	the	the	DET
arjefm-1283	176	17	banking	banking	NOUN
arjefm-1283	176	18	institutes	institute	NOUN
arjefm-1283	176	19	thereby	thereby	ADV
arjefm-1283	176	20	increasing	increase	VERB
arjefm-1283	176	21	the	the	DET
arjefm-1283	176	22	effectiveness	effectiveness	NOUN
arjefm-1283	176	23	of	of	ADP
arjefm-1283	176	24	the	the	DET
arjefm-1283	176	25	financial	financial	ADJ
arjefm-1283	176	26	sector	sector	NOUN
arjefm-1283	176	27	.	.	PUNCT
arjefm-1283	177	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	177	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	178	1	american	american	PROPN
arjefm-1283	178	2	research	research	PROPN
arjefm-1283	178	3	journal	journal	PROPN
arjefm-1283	178	4	of	of	ADP
arjefm-1283	178	5	economics	economic	NOUN
arjefm-1283	178	6	,	,	PUNCT
arjefm-1283	178	7	finance	finance	NOUN
arjefm-1283	178	8	and	and	CCONJ
arjefm-1283	178	9	management	management	NOUN
arjefm-1283	178	10	volume	volume	NOUN
arjefm-1283	178	11	13	13	NUM
arjefm-1283	178	12	issue	issue	NOUN
arjefm-1283	178	13	4	4	NUM
arjefm-1283	178	14	,	,	PUNCT
arjefm-1283	178	15	october	october	PROPN
arjefm-1283	178	16	-	-	PUNCT
arjefm-1283	178	17	december	december	PROPN
arjefm-1283	178	18	2025	2025	NUM
arjefm-1283	178	19	issn	issn	NOUN
arjefm-1283	178	20	:	:	PUNCT
arjefm-1283	178	21	2836	2836	NUM
arjefm-1283	178	22	-	-	SYM
arjefm-1283	178	23	9416	9416	NUM
arjefm-1283	178	24	impact	impact	NOUN
arjefm-1283	178	25	factor	factor	NOUN
arjefm-1283	178	26	:	:	PUNCT
arjefm-1283	178	27	6.41	6.41	NUM
arjefm-1283	178	28	journal	journal	NOUN
arjefm-1283	178	29	homepage	homepage	NOUN
arjefm-1283	178	30	:	:	PUNCT
arjefm-1283	178	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	178	32	email	email	NOUN
arjefm-1283	178	33	:	:	PUNCT
arjefm-1283	178	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	178	35	official	official	ADJ
arjefm-1283	178	36	journal	journal	PROPN
arjefm-1283	178	37	of	of	ADP
arjefm-1283	178	38	america	america	PROPN
arjefm-1283	178	39	serial	serial	PROPN
arjefm-1283	178	40	publication	publication	NOUN
arjefm-1283	178	41	american	american	PROPN
arjefm-1283	178	42	research	research	PROPN
arjefm-1283	178	43	journal	journal	PROPN
arjefm-1283	178	44	of	of	ADP
arjefm-1283	178	45	economics	economic	NOUN
arjefm-1283	178	46	,	,	PUNCT
arjefm-1283	178	47	finance	finance	NOUN
arjefm-1283	178	48	and	and	CCONJ
arjefm-1283	178	49	management	management	NOUN
arjefm-1283	178	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	178	51	,	,	PUNCT
arjefm-1283	178	52	email	email	NOUN
arjefm-1283	178	53	:	:	PUNCT
arjefm-1283	178	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	179	1	38	38	NUM
arjefm-1283	180	1	|	|	ADV
arjefm-1283	180	2	p	p	NOUN
arjefm-1283	180	3	a	a	DET
arjefm-1283	180	4	g	g	NOUN
arjefm-1283	180	5	e	e	X
arjefm-1283	180	6	odundo	odundo	NOUN
arjefm-1283	180	7	and	and	CCONJ
arjefm-1283	180	8	orwaru	orwaru	PROPN
arjefm-1283	180	9	(	(	PUNCT
arjefm-1283	180	10	2018	2018	NUM
arjefm-1283	180	11	)	)	PUNCT
arjefm-1283	180	12	explored	explore	VERB
arjefm-1283	180	13	bank	bank	NOUN
arjefm-1283	180	14	size	size	NOUN
arjefm-1283	180	15	and	and	CCONJ
arjefm-1283	180	16	financial	financial	ADJ
arjefm-1283	180	17	stability	stability	NOUN
arjefm-1283	180	18	of	of	ADP
arjefm-1283	180	19	commercial	commercial	ADJ
arjefm-1283	180	20	banks	bank	NOUN
arjefm-1283	180	21	in	in	ADP
arjefm-1283	180	22	kenya	kenya	PROPN
arjefm-1283	180	23	from	from	ADP
arjefm-1283	180	24	2011	2011	NUM
arjefm-1283	180	25	to	to	ADP
arjefm-1283	180	26	2017	2017	NUM
arjefm-1283	180	27	.	.	PUNCT
arjefm-1283	181	1	the	the	DET
arjefm-1283	181	2	main	main	ADJ
arjefm-1283	181	3	objective	objective	NOUN
arjefm-1283	181	4	of	of	ADP
arjefm-1283	181	5	this	this	DET
arjefm-1283	181	6	study	study	NOUN
arjefm-1283	181	7	was	be	AUX
arjefm-1283	181	8	to	to	PART
arjefm-1283	181	9	establish	establish	VERB
arjefm-1283	181	10	whether	whether	SCONJ
arjefm-1283	181	11	or	or	CCONJ
arjefm-1283	181	12	not	not	PART
arjefm-1283	181	13	bank	bank	NOUN
arjefm-1283	181	14	size	size	NOUN
arjefm-1283	181	15	has	have	VERB
arjefm-1283	181	16	a	a	DET
arjefm-1283	181	17	significant	significant	ADJ
arjefm-1283	181	18	effect	effect	NOUN
arjefm-1283	181	19	on	on	ADP
arjefm-1283	181	20	financial	financial	ADJ
arjefm-1283	181	21	stability	stability	NOUN
arjefm-1283	181	22	of	of	ADP
arjefm-1283	181	23	commercial	commercial	ADJ
arjefm-1283	181	24	banks	bank	NOUN
arjefm-1283	181	25	in	in	ADP
arjefm-1283	181	26	kenya	kenya	PROPN
arjefm-1283	181	27	as	as	SCONJ
arjefm-1283	181	28	measured	measure	VERB
arjefm-1283	181	29	by	by	ADP
arjefm-1283	181	30	their	their	PRON
arjefm-1283	181	31	return	return	NOUN
arjefm-1283	181	32	on	on	ADP
arjefm-1283	181	33	assets	asset	NOUN
arjefm-1283	181	34	(	(	PUNCT
arjefm-1283	181	35	roa	roa	NOUN
arjefm-1283	181	36	)	)	PUNCT
arjefm-1283	181	37	,	,	PUNCT
arjefm-1283	181	38	controlling	control	VERB
arjefm-1283	181	39	for	for	ADP
arjefm-1283	181	40	the	the	DET
arjefm-1283	181	41	banks	bank	NOUN
arjefm-1283	181	42	’	’	PART
arjefm-1283	181	43	loan	loan	NOUN
arjefm-1283	181	44	portfolio	portfolio	NOUN
arjefm-1283	181	45	,	,	PUNCT
arjefm-1283	181	46	capital	capital	NOUN
arjefm-1283	181	47	strength	strength	NOUN
arjefm-1283	181	48	and	and	CCONJ
arjefm-1283	181	49	reliance	reliance	NOUN
arjefm-1283	181	50	on	on	ADP
arjefm-1283	181	51	deposits	deposit	NOUN
arjefm-1283	181	52	.	.	PUNCT
arjefm-1283	182	1	the	the	DET
arjefm-1283	182	2	study	study	NOUN
arjefm-1283	182	3	adopted	adopt	VERB
arjefm-1283	182	4	a	a	DET
arjefm-1283	182	5	correlation	correlation	NOUN
arjefm-1283	182	6	research	research	NOUN
arjefm-1283	182	7	design	design	NOUN
arjefm-1283	182	8	.	.	PUNCT
arjefm-1283	183	1	the	the	DET
arjefm-1283	183	2	target	target	NOUN
arjefm-1283	183	3	population	population	NOUN
arjefm-1283	183	4	was	be	AUX
arjefm-1283	183	5	all	all	DET
arjefm-1283	183	6	the	the	DET
arjefm-1283	183	7	10	10	NUM
arjefm-1283	183	8	commercial	commercial	ADJ
arjefm-1283	183	9	banks	bank	NOUN
arjefm-1283	183	10	listed	list	VERB
arjefm-1283	183	11	at	at	ADP
arjefm-1283	183	12	the	the	DET
arjefm-1283	183	13	nairobi	nairobi	PROPN
arjefm-1283	183	14	securities	securities	PROPN
arjefm-1283	183	15	exchange	exchange	PROPN
arjefm-1283	183	16	(	(	PUNCT
arjefm-1283	183	17	nse	nse	NOUN
arjefm-1283	183	18	)	)	PUNCT
arjefm-1283	183	19	.	.	PUNCT
arjefm-1283	184	1	secondary	secondary	ADJ
arjefm-1283	184	2	balanced	balanced	ADJ
arjefm-1283	184	3	panel	panel	NOUN
arjefm-1283	184	4	data	datum	NOUN
arjefm-1283	184	5	sourced	source	VERB
arjefm-1283	184	6	from	from	ADP
arjefm-1283	184	7	the	the	DET
arjefm-1283	184	8	annual	annual	ADJ
arjefm-1283	184	9	reports	report	NOUN
arjefm-1283	184	10	of	of	ADP
arjefm-1283	184	11	all	all	DET
arjefm-1283	184	12	the	the	DET
arjefm-1283	184	13	10	10	NUM
arjefm-1283	184	14	listed	list	VERB
arjefm-1283	184	15	commercial	commercial	ADJ
arjefm-1283	184	16	banks	bank	NOUN
arjefm-1283	184	17	at	at	ADP
arjefm-1283	184	18	the	the	DET
arjefm-1283	184	19	nse	nse	NOUN
arjefm-1283	184	20	was	be	AUX
arjefm-1283	184	21	used	use	VERB
arjefm-1283	184	22	,	,	PUNCT
arjefm-1283	184	23	yielding	yield	VERB
arjefm-1283	184	24	70	70	NUM
arjefm-1283	184	25	data	datum	NOUN
arjefm-1283	184	26	points	point	NOUN
arjefm-1283	184	27	.	.	PUNCT
arjefm-1283	185	1	the	the	DET
arjefm-1283	185	2	regression	regression	NOUN
arjefm-1283	185	3	results	result	NOUN
arjefm-1283	185	4	suggest	suggest	VERB
arjefm-1283	185	5	that	that	SCONJ
arjefm-1283	185	6	bank	bank	NOUN
arjefm-1283	185	7	capital	capital	NOUN
arjefm-1283	185	8	has	have	VERB
arjefm-1283	185	9	a	a	DET
arjefm-1283	185	10	significant	significant	ADJ
arjefm-1283	185	11	positive	positive	ADJ
arjefm-1283	185	12	effect	effect	NOUN
arjefm-1283	185	13	on	on	ADP
arjefm-1283	185	14	stability	stability	NOUN
arjefm-1283	185	15	.	.	PUNCT
arjefm-1283	186	1	it	it	PRON
arjefm-1283	186	2	was	be	AUX
arjefm-1283	186	3	recommended	recommend	VERB
arjefm-1283	186	4	that	that	SCONJ
arjefm-1283	186	5	effective	effective	ADJ
arjefm-1283	186	6	policies	policy	NOUN
arjefm-1283	186	7	should	should	AUX
arjefm-1283	186	8	be	be	AUX
arjefm-1283	186	9	put	put	VERB
arjefm-1283	186	10	in	in	ADP
arjefm-1283	186	11	place	place	NOUN
arjefm-1283	186	12	to	to	PART
arjefm-1283	186	13	encourage	encourage	VERB
arjefm-1283	186	14	banks	bank	NOUN
arjefm-1283	186	15	to	to	PART
arjefm-1283	186	16	maintain	maintain	VERB
arjefm-1283	186	17	higher	high	ADJ
arjefm-1283	186	18	capital	capital	NOUN
arjefm-1283	186	19	bases	basis	NOUN
arjefm-1283	186	20	to	to	PART
arjefm-1283	186	21	guarantee	guarantee	VERB
arjefm-1283	186	22	their	their	PRON
arjefm-1283	186	23	soundness	soundness	NOUN
arjefm-1283	186	24	.	.	PUNCT
arjefm-1283	187	1	afrifa	afrifa	PROPN
arjefm-1283	187	2	et	et	PROPN
arjefm-1283	187	3	al	al	PROPN
arjefm-1283	187	4	,	,	PUNCT
arjefm-1283	187	5	(	(	PUNCT
arjefm-1283	187	6	2019	2019	NUM
arjefm-1283	187	7	)	)	PUNCT
arjefm-1283	187	8	sampled	sample	VERB
arjefm-1283	187	9	625	625	NUM
arjefm-1283	187	10	microfinance	microfinance	NOUN
arjefm-1283	187	11	institutions	institution	NOUN
arjefm-1283	187	12	(	(	PUNCT
arjefm-1283	187	13	mfi	mfi	PROPN
arjefm-1283	187	14	)	)	PUNCT
arjefm-1283	187	15	across	across	ADP
arjefm-1283	187	16	40	40	NUM
arjefm-1283	187	17	countries	country	NOUN
arjefm-1283	187	18	from	from	ADP
arjefm-1283	187	19	2010	2010	NUM
arjefm-1283	187	20	-	-	SYM
arjefm-1283	187	21	2015	2015	NUM
arjefm-1283	187	22	and	and	CCONJ
arjefm-1283	187	23	examined	examine	VERB
arjefm-1283	187	24	the	the	DET
arjefm-1283	187	25	effect	effect	NOUN
arjefm-1283	187	26	of	of	ADP
arjefm-1283	187	27	buffer	buffer	NOUN
arjefm-1283	187	28	capital	capital	NOUN
arjefm-1283	187	29	on	on	ADP
arjefm-1283	187	30	the	the	DET
arjefm-1283	187	31	performance	performance	NOUN
arjefm-1283	187	32	of	of	ADP
arjefm-1283	187	33	mfis	mfis	PROPN
arjefm-1283	187	34	.	.	PUNCT
arjefm-1283	188	1	the	the	DET
arjefm-1283	188	2	study	study	NOUN
arjefm-1283	188	3	also	also	ADV
arjefm-1283	188	4	examined	examine	VERB
arjefm-1283	188	5	how	how	SCONJ
arjefm-1283	188	6	the	the	DET
arjefm-1283	188	7	effect	effect	NOUN
arjefm-1283	188	8	varies	vary	VERB
arjefm-1283	188	9	with	with	ADP
arjefm-1283	188	10	loan	loan	NOUN
arjefm-1283	188	11	portfolio	portfolio	NOUN
arjefm-1283	188	12	quality	quality	NOUN
arjefm-1283	188	13	in	in	ADP
arjefm-1283	188	14	the	the	DET
arjefm-1283	188	15	mfis	mfis	NOUN
arjefm-1283	188	16	.	.	PUNCT
arjefm-1283	189	1	regression	regression	NOUN
arjefm-1283	189	2	analysis	analysis	NOUN
arjefm-1283	189	3	was	be	AUX
arjefm-1283	189	4	adopted	adopt	VERB
arjefm-1283	189	5	for	for	ADP
arjefm-1283	189	6	the	the	DET
arjefm-1283	189	7	study	study	NOUN
arjefm-1283	189	8	.	.	PUNCT
arjefm-1283	190	1	regression	regression	NOUN
arjefm-1283	190	2	analysis	analysis	NOUN
arjefm-1283	190	3	was	be	AUX
arjefm-1283	190	4	adopted	adopt	VERB
arjefm-1283	190	5	for	for	ADP
arjefm-1283	190	6	the	the	DET
arjefm-1283	190	7	study	study	NOUN
arjefm-1283	190	8	.	.	PUNCT
arjefm-1283	191	1	findings	finding	NOUN
arjefm-1283	191	2	from	from	ADP
arjefm-1283	191	3	the	the	DET
arjefm-1283	191	4	study	study	NOUN
arjefm-1283	191	5	suggest	suggest	VERB
arjefm-1283	191	6	a	a	DET
arjefm-1283	191	7	negative	negative	ADJ
arjefm-1283	191	8	relationship	relationship	NOUN
arjefm-1283	191	9	between	between	ADP
arjefm-1283	191	10	buffer	buffer	NOUN
arjefm-1283	191	11	capital	capital	NOUN
arjefm-1283	191	12	and	and	CCONJ
arjefm-1283	191	13	mfis	mfis	VERB
arjefm-1283	191	14	’	'	PUNCT
arjefm-1283	191	15	performance	performance	NOUN
arjefm-1283	191	16	.	.	PUNCT
arjefm-1283	192	1	the	the	DET
arjefm-1283	192	2	study	study	NOUN
arjefm-1283	192	3	also	also	ADV
arjefm-1283	192	4	found	find	VERB
arjefm-1283	192	5	that	that	SCONJ
arjefm-1283	192	6	loan	loan	NOUN
arjefm-1283	192	7	portfolio	portfolio	NOUN
arjefm-1283	192	8	quality	quality	NOUN
arjefm-1283	192	9	positively	positively	ADV
arjefm-1283	192	10	moderates	moderate	VERB
arjefm-1283	192	11	the	the	DET
arjefm-1283	192	12	buffer	buffer	NOUN
arjefm-1283	192	13	capital	capital	NOUN
arjefm-1283	192	14	-	-	PUNCT
arjefm-1283	192	15	mfi	mfi	PROPN
arjefm-1283	192	16	performance	performance	NOUN
arjefm-1283	192	17	relationship	relationship	NOUN
arjefm-1283	192	18	.	.	PUNCT
arjefm-1283	193	1	it	it	PRON
arjefm-1283	193	2	was	be	AUX
arjefm-1283	193	3	also	also	ADV
arjefm-1283	193	4	ascertained	ascertain	VERB
arjefm-1283	193	5	that	that	SCONJ
arjefm-1283	193	6	the	the	DET
arjefm-1283	193	7	buffer	buffer	NOUN
arjefm-1283	193	8	capital	capital	NOUN
arjefm-1283	193	9	-	-	PUNCT
arjefm-1283	193	10	loan	loan	NOUN
arjefm-1283	193	11	portfolio	portfolio	NOUN
arjefm-1283	193	12	quality	quality	NOUN
arjefm-1283	193	13	relationship	relationship	NOUN
arjefm-1283	193	14	does	do	AUX
arjefm-1283	193	15	not	not	PART
arjefm-1283	193	16	vary	vary	VERB
arjefm-1283	193	17	for	for	ADP
arjefm-1283	193	18	deposit	deposit	NOUN
arjefm-1283	193	19	-	-	PUNCT
arjefm-1283	193	20	taking	taking	NOUN
arjefm-1283	193	21	,	,	PUNCT
arjefm-1283	193	22	profitmaking	profitmaking	NOUN
arjefm-1283	193	23	,	,	PUNCT
arjefm-1283	193	24	and	and	CCONJ
arjefm-1283	193	25	regulated	regulate	VERB
arjefm-1283	193	26	mfis	mfis	PROPN
arjefm-1283	193	27	.	.	PUNCT
arjefm-1283	194	1	the	the	DET
arjefm-1283	194	2	findings	finding	NOUN
arjefm-1283	194	3	shed	shed	VERB
arjefm-1283	194	4	new	new	ADJ
arjefm-1283	194	5	light	light	NOUN
arjefm-1283	194	6	on	on	ADP
arjefm-1283	194	7	the	the	DET
arjefm-1283	194	8	value	value	NOUN
arjefm-1283	194	9	relevance	relevance	NOUN
arjefm-1283	194	10	of	of	ADP
arjefm-1283	194	11	capital	capital	NOUN
arjefm-1283	194	12	in	in	ADP
arjefm-1283	194	13	microfinance	microfinance	NOUN
arjefm-1283	194	14	institutions	institution	NOUN
arjefm-1283	194	15	.	.	PUNCT
arjefm-1283	195	1	fungáčov	fungáčov	NOUN
arjefm-1283	195	2	et	et	PROPN
arjefm-1283	195	3	al	al	PROPN
arjefm-1283	195	4	,	,	PUNCT
arjefm-1283	195	5	(	(	PUNCT
arjefm-1283	195	6	2015	2015	NUM
arjefm-1283	195	7	)	)	PUNCT
arjefm-1283	195	8	,	,	PUNCT
arjefm-1283	195	9	using	use	VERB
arjefm-1283	195	10	a	a	DET
arjefm-1283	195	11	large	large	ADJ
arjefm-1283	195	12	dataset	dataset	NOUN
arjefm-1283	195	13	of	of	ADP
arjefm-1283	195	14	170	170	NUM
arjefm-1283	195	15	chinese	chinese	ADJ
arjefm-1283	195	16	banks	bank	NOUN
arjefm-1283	195	17	for	for	ADP
arjefm-1283	195	18	the	the	DET
arjefm-1283	195	19	period	period	NOUN
arjefm-1283	195	20	2004	2004	NUM
arjefm-1283	195	21	to	to	ADP
arjefm-1283	195	22	2013	2013	NUM
arjefm-1283	195	23	,	,	PUNCT
arjefm-1283	195	24	conducted	conduct	VERB
arjefm-1283	195	25	a	a	DET
arjefm-1283	195	26	study	study	NOUN
arjefm-1283	195	27	to	to	PART
arjefm-1283	195	28	ascertain	ascertain	VERB
arjefm-1283	195	29	how	how	SCONJ
arjefm-1283	195	30	reserve	reserve	NOUN
arjefm-1283	195	31	requirements	requirement	NOUN
arjefm-1283	195	32	influence	influence	VERB
arjefm-1283	195	33	monetary	monetary	ADJ
arjefm-1283	195	34	policy	policy	NOUN
arjefm-1283	195	35	through	through	ADP
arjefm-1283	195	36	bank	bank	NOUN
arjefm-1283	195	37	lending	lending	NOUN
arjefm-1283	195	38	channel	channel	NOUN
arjefm-1283	195	39	in	in	ADP
arjefm-1283	195	40	china	china	PROPN
arjefm-1283	195	41	.	.	PUNCT
arjefm-1283	196	1	specifically	specifically	ADV
arjefm-1283	196	2	,	,	PUNCT
arjefm-1283	196	3	the	the	DET
arjefm-1283	196	4	study	study	NOUN
arjefm-1283	196	5	analyzed	analyze	VERB
arjefm-1283	196	6	the	the	DET
arjefm-1283	196	7	reaction	reaction	NOUN
arjefm-1283	196	8	of	of	ADP
arjefm-1283	196	9	loan	loan	NOUN
arjefm-1283	196	10	supply	supply	NOUN
arjefm-1283	196	11	to	to	ADP
arjefm-1283	196	12	changes	change	NOUN
arjefm-1283	196	13	in	in	ADP
arjefm-1283	196	14	reserve	reserve	NOUN
arjefm-1283	196	15	requirements	requirement	NOUN
arjefm-1283	196	16	.	.	PUNCT
arjefm-1283	197	1	finding	find	VERB
arjefm-1283	197	2	from	from	ADP
arjefm-1283	197	3	the	the	DET
arjefm-1283	197	4	study	study	NOUN
arjefm-1283	197	5	found	find	VERB
arjefm-1283	197	6	no	no	DET
arjefm-1283	197	7	evidence	evidence	NOUN
arjefm-1283	197	8	of	of	ADP
arjefm-1283	197	9	the	the	DET
arjefm-1283	197	10	bank	bank	NOUN
arjefm-1283	197	11	lending	lending	NOUN
arjefm-1283	197	12	channel	channel	NOUN
arjefm-1283	197	13	through	through	ADP
arjefm-1283	197	14	the	the	DET
arjefm-1283	197	15	use	use	NOUN
arjefm-1283	197	16	of	of	ADP
arjefm-1283	197	17	reserve	reserve	NOUN
arjefm-1283	197	18	requirements	requirement	NOUN
arjefm-1283	197	19	.	.	PUNCT
arjefm-1283	198	1	the	the	DET
arjefm-1283	198	2	study	study	NOUN
arjefm-1283	198	3	equally	equally	ADV
arjefm-1283	198	4	observed	observe	VERB
arjefm-1283	198	5	that	that	SCONJ
arjefm-1283	198	6	changes	change	NOUN
arjefm-1283	198	7	in	in	ADP
arjefm-1283	198	8	banks	bank	NOUN
arjefm-1283	198	9	‘	'	PUNCT
arjefm-1283	198	10	reserve	reserve	NOUN
arjefm-1283	198	11	requirements	requirement	NOUN
arjefm-1283	198	12	influence	influence	NOUN
arjefm-1283	198	13	loan	loan	NOUN
arjefm-1283	198	14	growth	growth	NOUN
arjefm-1283	198	15	of	of	ADP
arjefm-1283	198	16	the	the	DET
arjefm-1283	198	17	sampled	sample	VERB
arjefm-1283	198	18	banks	bank	NOUN
arjefm-1283	198	19	.	.	PUNCT
arjefm-1283	199	1	the	the	DET
arjefm-1283	199	2	same	same	ADJ
arjefm-1283	199	3	findings	finding	NOUN
arjefm-1283	199	4	hold	hold	VERB
arjefm-1283	199	5	true	true	ADJ
arjefm-1283	199	6	for	for	ADP
arjefm-1283	199	7	other	other	ADJ
arjefm-1283	199	8	monetary	monetary	ADJ
arjefm-1283	199	9	policy	policy	NOUN
arjefm-1283	199	10	instruments	instrument	NOUN
arjefm-1283	199	11	.	.	PUNCT
arjefm-1283	200	1	it	it	PRON
arjefm-1283	200	2	was	be	AUX
arjefm-1283	200	3	also	also	ADV
arjefm-1283	200	4	ascertained	ascertain	VERB
arjefm-1283	200	5	that	that	SCONJ
arjefm-1283	200	6	bank	bank	NOUN
arjefm-1283	200	7	ownership	ownership	NOUN
arjefm-1283	200	8	structure	structure	NOUN
arjefm-1283	200	9	influences	influence	VERB
arjefm-1283	200	10	transmission	transmission	NOUN
arjefm-1283	200	11	of	of	ADP
arjefm-1283	200	12	monetary	monetary	ADJ
arjefm-1283	200	13	policy	policy	NOUN
arjefm-1283	200	14	in	in	ADP
arjefm-1283	200	15	the	the	DET
arjefm-1283	200	16	studied	study	VERB
arjefm-1283	200	17	banks	bank	NOUN
arjefm-1283	200	18	.	.	PUNCT
arjefm-1283	201	1	atlaw	atlaw	NOUN
arjefm-1283	201	2	(	(	PUNCT
arjefm-1283	201	3	2017	2017	NUM
arjefm-1283	201	4	)	)	PUNCT
arjefm-1283	201	5	studied	study	VERB
arjefm-1283	201	6	the	the	DET
arjefm-1283	201	7	effect	effect	NOUN
arjefm-1283	201	8	of	of	ADP
arjefm-1283	201	9	reserve	reserve	NOUN
arjefm-1283	201	10	requirement	requirement	NOUN
arjefm-1283	201	11	on	on	ADP
arjefm-1283	201	12	ethiopian	ethiopian	ADJ
arjefm-1283	201	13	commercial	commercial	ADJ
arjefm-1283	201	14	banks	bank	NOUN
arjefm-1283	201	15	’	'	PUNCT
arjefm-1283	201	16	performance	performance	NOUN
arjefm-1283	201	17	from	from	ADP
arjefm-1283	201	18	,	,	PUNCT
arjefm-1283	201	19	2004	2004	NUM
arjefm-1283	201	20	to	to	ADP
arjefm-1283	201	21	2016	2016	NUM
arjefm-1283	201	22	.	.	PUNCT
arjefm-1283	202	1	the	the	DET
arjefm-1283	202	2	specific	specific	ADJ
arjefm-1283	202	3	objectives	objective	NOUN
arjefm-1283	202	4	of	of	ADP
arjefm-1283	202	5	the	the	DET
arjefm-1283	202	6	study	study	NOUN
arjefm-1283	202	7	were	be	AUX
arjefm-1283	202	8	:	:	PUNCT
arjefm-1283	202	9	effect	effect	NOUN
arjefm-1283	202	10	of	of	ADP
arjefm-1283	202	11	reserve	reserve	NOUN
arjefm-1283	202	12	requirement	requirement	NOUN
arjefm-1283	202	13	on	on	ADP
arjefm-1283	202	14	commercial	commercial	ADJ
arjefm-1283	202	15	banks	bank	NOUN
arjefm-1283	202	16	’	'	PUNCT
arjefm-1283	202	17	profitability	profitability	NOUN
arjefm-1283	202	18	,	,	PUNCT
arjefm-1283	202	19	effect	effect	NOUN
arjefm-1283	202	20	of	of	ADP
arjefm-1283	202	21	reserve	reserve	NOUN
arjefm-1283	202	22	requirement	requirement	NOUN
arjefm-1283	202	23	on	on	ADP
arjefm-1283	202	24	commercial	commercial	ADJ
arjefm-1283	202	25	banks	bank	NOUN
arjefm-1283	202	26	’	'	PUNCT
arjefm-1283	202	27	profitability	profitability	NOUN
arjefm-1283	202	28	on	on	ADP
arjefm-1283	202	29	lending	lending	NOUN
arjefm-1283	202	30	capacity	capacity	NOUN
arjefm-1283	202	31	.	.	PUNCT
arjefm-1283	203	1	time	time	NOUN
arjefm-1283	203	2	series	series	PROPN
arjefm-1283	203	3	data	datum	NOUN
arjefm-1283	203	4	of	of	ADP
arjefm-1283	203	5	13	13	NUM
arjefm-1283	203	6	sampled	sample	VERB
arjefm-1283	203	7	commercial	commercial	ADJ
arjefm-1283	203	8	banks	bank	NOUN
arjefm-1283	203	9	in	in	ADP
arjefm-1283	203	10	ethopia	ethopia	PROPN
arjefm-1283	203	11	were	be	AUX
arjefm-1283	203	12	obtained	obtain	VERB
arjefm-1283	203	13	and	and	CCONJ
arjefm-1283	203	14	used	use	VERB
arjefm-1283	203	15	for	for	ADP
arjefm-1283	203	16	the	the	DET
arjefm-1283	203	17	study	study	NOUN
arjefm-1283	203	18	.	.	PUNCT
arjefm-1283	204	1	a	a	DET
arjefm-1283	204	2	quantitative	quantitative	ADJ
arjefm-1283	204	3	research	research	NOUN
arjefm-1283	204	4	approach	approach	NOUN
arjefm-1283	204	5	was	be	AUX
arjefm-1283	204	6	adopted	adopt	VERB
arjefm-1283	204	7	for	for	ADP
arjefm-1283	204	8	the	the	DET
arjefm-1283	204	9	study	study	NOUN
arjefm-1283	204	10	.	.	PUNCT
arjefm-1283	205	1	secondary	secondary	ADJ
arjefm-1283	205	2	financial	financial	ADJ
arjefm-1283	205	3	data	datum	NOUN
arjefm-1283	205	4	were	be	AUX
arjefm-1283	205	5	analyzed	analyze	VERB
arjefm-1283	205	6	using	use	VERB
arjefm-1283	205	7	linear	linear	ADJ
arjefm-1283	205	8	regressions	regression	NOUN
arjefm-1283	205	9	models	model	NOUN
arjefm-1283	205	10	.	.	PUNCT
arjefm-1283	206	1	result	result	NOUN
arjefm-1283	206	2	of	of	ADP
arjefm-1283	206	3	data	datum	NOUN
arjefm-1283	206	4	analysis	analysis	NOUN
arjefm-1283	206	5	indicates	indicate	VERB
arjefm-1283	206	6	that	that	SCONJ
arjefm-1283	206	7	reserve	reserve	NOUN
arjefm-1283	206	8	requirement	requirement	NOUN
arjefm-1283	206	9	has	have	VERB
arjefm-1283	206	10	a	a	DET
arjefm-1283	206	11	negative	negative	ADJ
arjefm-1283	206	12	effect	effect	NOUN
arjefm-1283	206	13	on	on	ADP
arjefm-1283	206	14	both	both	DET
arjefm-1283	206	15	commercial	commercial	ADJ
arjefm-1283	206	16	banks	bank	NOUN
arjefm-1283	206	17	’	’	PART
arjefm-1283	206	18	profitability	profitability	NOUN
arjefm-1283	206	19	and	and	CCONJ
arjefm-1283	206	20	lending	lending	NOUN
arjefm-1283	206	21	capacity	capacity	NOUN
arjefm-1283	206	22	,	,	PUNCT
arjefm-1283	206	23	thereby	thereby	ADV
arjefm-1283	206	24	,	,	PUNCT
arjefm-1283	206	25	affecting	affect	VERB
arjefm-1283	206	26	performance	performance	NOUN
arjefm-1283	206	27	.	.	PUNCT
arjefm-1283	207	1	the	the	DET
arjefm-1283	207	2	study	study	NOUN
arjefm-1283	207	3	recommended	recommend	VERB
arjefm-1283	207	4	that	that	SCONJ
arjefm-1283	207	5	commercial	commercial	ADJ
arjefm-1283	207	6	banks	bank	NOUN
arjefm-1283	207	7	in	in	ADP
arjefm-1283	207	8	ethiopia	ethiopia	PROPN
arjefm-1283	207	9	should	should	AUX
arjefm-1283	207	10	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	207	11	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	207	12	american	american	PROPN
arjefm-1283	207	13	research	research	PROPN
arjefm-1283	207	14	journal	journal	PROPN
arjefm-1283	207	15	of	of	ADP
arjefm-1283	207	16	economics	economic	NOUN
arjefm-1283	207	17	,	,	PUNCT
arjefm-1283	207	18	finance	finance	NOUN
arjefm-1283	207	19	and	and	CCONJ
arjefm-1283	207	20	management	management	NOUN
arjefm-1283	207	21	volume	volume	NOUN
arjefm-1283	207	22	13	13	NUM
arjefm-1283	207	23	issue	issue	NOUN
arjefm-1283	207	24	4	4	NUM
arjefm-1283	207	25	,	,	PUNCT
arjefm-1283	207	26	october	october	PROPN
arjefm-1283	207	27	-	-	PUNCT
arjefm-1283	207	28	december	december	PROPN
arjefm-1283	207	29	2025	2025	NUM
arjefm-1283	207	30	issn	issn	NOUN
arjefm-1283	207	31	:	:	PUNCT
arjefm-1283	207	32	2836	2836	NUM
arjefm-1283	207	33	-	-	SYM
arjefm-1283	207	34	9416	9416	NUM
arjefm-1283	207	35	impact	impact	NOUN
arjefm-1283	207	36	factor	factor	NOUN
arjefm-1283	207	37	:	:	PUNCT
arjefm-1283	207	38	6.41	6.41	NUM
arjefm-1283	207	39	journal	journal	NOUN
arjefm-1283	207	40	homepage	homepage	NOUN
arjefm-1283	207	41	:	:	PUNCT
arjefm-1283	207	42	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	207	43	email	email	NOUN
arjefm-1283	207	44	:	:	PUNCT
arjefm-1283	207	45	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	207	46	official	official	ADJ
arjefm-1283	207	47	journal	journal	PROPN
arjefm-1283	207	48	of	of	ADP
arjefm-1283	207	49	america	america	PROPN
arjefm-1283	207	50	serial	serial	PROPN
arjefm-1283	207	51	publication	publication	NOUN
arjefm-1283	207	52	american	american	PROPN
arjefm-1283	207	53	research	research	PROPN
arjefm-1283	207	54	journal	journal	PROPN
arjefm-1283	207	55	of	of	ADP
arjefm-1283	207	56	economics	economic	NOUN
arjefm-1283	207	57	,	,	PUNCT
arjefm-1283	207	58	finance	finance	NOUN
arjefm-1283	207	59	and	and	CCONJ
arjefm-1283	207	60	management	management	NOUN
arjefm-1283	207	61	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	207	62	,	,	PUNCT
arjefm-1283	207	63	email	email	NOUN
arjefm-1283	207	64	:	:	PUNCT
arjefm-1283	208	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	208	2	39	39	NUM
arjefm-1283	209	1	|	|	ADV
arjefm-1283	209	2	p	p	AUX
arjefm-1283	209	3	a	a	DET
arjefm-1283	209	4	g	g	NOUN
arjefm-1283	209	5	e	e	NOUN
arjefm-1283	209	6	be	be	AUX
arjefm-1283	209	7	aware	aware	ADJ
arjefm-1283	209	8	of	of	ADP
arjefm-1283	209	9	the	the	DET
arjefm-1283	209	10	effect	effect	NOUN
arjefm-1283	209	11	of	of	ADP
arjefm-1283	209	12	reserve	reserve	NOUN
arjefm-1283	209	13	requirement	requirement	NOUN
arjefm-1283	209	14	on	on	ADP
arjefm-1283	209	15	their	their	PRON
arjefm-1283	209	16	performance	performance	NOUN
arjefm-1283	209	17	and	and	CCONJ
arjefm-1283	209	18	thus	thus	ADV
arjefm-1283	209	19	,	,	PUNCT
arjefm-1283	209	20	national	national	PROPN
arjefm-1283	209	21	bank	bank	PROPN
arjefm-1283	209	22	of	of	ADP
arjefm-1283	209	23	ethiopia	ethiopia	PROPN
arjefm-1283	209	24	should	should	AUX
arjefm-1283	209	25	be	be	AUX
arjefm-1283	209	26	proactive	proactive	ADJ
arjefm-1283	209	27	in	in	ADP
arjefm-1283	209	28	proper	proper	ADJ
arjefm-1283	209	29	amendments	amendment	NOUN
arjefm-1283	209	30	of	of	ADP
arjefm-1283	209	31	the	the	DET
arjefm-1283	209	32	reserve	reserve	NOUN
arjefm-1283	209	33	requirements	requirement	NOUN
arjefm-1283	209	34	of	of	ADP
arjefm-1283	209	35	banks	bank	NOUN
arjefm-1283	209	36	.	.	PUNCT
arjefm-1283	210	1	timsinam	timsinam	NOUN
arjefm-1283	210	2	(	(	PUNCT
arjefm-1283	210	3	2017	2017	NUM
arjefm-1283	210	4	)	)	PUNCT
arjefm-1283	210	5	used	use	VERB
arjefm-1283	210	6	ordinary	ordinary	ADJ
arjefm-1283	210	7	least	least	ADJ
arjefm-1283	210	8	square	square	ADJ
arjefm-1283	210	9	regression	regression	NOUN
arjefm-1283	210	10	method	method	NOUN
arjefm-1283	210	11	to	to	PART
arjefm-1283	210	12	investigate	investigate	VERB
arjefm-1283	210	13	the	the	DET
arjefm-1283	210	14	determinants	determinant	NOUN
arjefm-1283	210	15	of	of	ADP
arjefm-1283	210	16	bank	bank	NOUN
arjefm-1283	210	17	lending	lending	NOUN
arjefm-1283	210	18	using	use	VERB
arjefm-1283	210	19	commercial	commercial	ADJ
arjefm-1283	210	20	banks	bank	NOUN
arjefm-1283	210	21	in	in	ADP
arjefm-1283	210	22	nepal	nepal	NOUN
arjefm-1283	210	23	from	from	ADP
arjefm-1283	210	24	1975	1975	NUM
arjefm-1283	210	25	to	to	ADP
arjefm-1283	210	26	2014	2014	NUM
arjefm-1283	210	27	.	.	PUNCT
arjefm-1283	211	1	nepalese	nepalese	ADJ
arjefm-1283	211	2	commercial	commercial	ADJ
arjefm-1283	211	3	banks	bank	NOUN
arjefm-1283	211	4	'	'	PART
arjefm-1283	211	5	private	private	ADJ
arjefm-1283	211	6	sector	sector	NOUN
arjefm-1283	211	7	credit	credit	NOUN
arjefm-1283	211	8	(	(	PUNCT
arjefm-1283	211	9	pvct	pvct	NOUN
arjefm-1283	211	10	)	)	PUNCT
arjefm-1283	211	11	was	be	AUX
arjefm-1283	211	12	used	use	VERB
arjefm-1283	211	13	as	as	ADP
arjefm-1283	211	14	the	the	DET
arjefm-1283	211	15	dependent	dependent	ADJ
arjefm-1283	211	16	variable	variable	NOUN
arjefm-1283	211	17	while	while	SCONJ
arjefm-1283	211	18	volume	volume	NOUN
arjefm-1283	211	19	of	of	ADP
arjefm-1283	211	20	deposits	deposit	NOUN
arjefm-1283	211	21	(	(	PUNCT
arjefm-1283	211	22	dep	dep	NOUN
arjefm-1283	211	23	)	)	PUNCT
arjefm-1283	211	24	,	,	PUNCT
arjefm-1283	211	25	interest	interest	NOUN
arjefm-1283	211	26	rate	rate	NOUN
arjefm-1283	211	27	(	(	PUNCT
arjefm-1283	211	28	ir	ir	NOUN
arjefm-1283	211	29	)	)	PUNCT
arjefm-1283	211	30	,	,	PUNCT
arjefm-1283	211	31	stipulated	stipulate	VERB
arjefm-1283	211	32	cash	cash	NOUN
arjefm-1283	211	33	reserve	reserve	NOUN
arjefm-1283	211	34	requirements	requirement	NOUN
arjefm-1283	211	35	ratio	ratio	NOUN
arjefm-1283	211	36	(	(	PUNCT
arjefm-1283	211	37	crr	crr	PROPN
arjefm-1283	211	38	)	)	PUNCT
arjefm-1283	211	39	,	,	PUNCT
arjefm-1283	211	40	liquidity	liquidity	NOUN
arjefm-1283	211	41	ratio	ratio	NOUN
arjefm-1283	211	42	(	(	PUNCT
arjefm-1283	211	43	lr	lr	NOUN
arjefm-1283	211	44	)	)	PUNCT
arjefm-1283	211	45	,	,	PUNCT
arjefm-1283	211	46	inflation	inflation	NOUN
arjefm-1283	211	47	(	(	PUNCT
arjefm-1283	211	48	inf	inf	NOUN
arjefm-1283	211	49	)	)	PUNCT
arjefm-1283	211	50	,	,	PUNCT
arjefm-1283	211	51	exchange	exchange	NOUN
arjefm-1283	211	52	rate	rate	NOUN
arjefm-1283	211	53	(	(	PUNCT
arjefm-1283	211	54	exr	exr	PROPN
arjefm-1283	211	55	)	)	PUNCT
arjefm-1283	211	56	,	,	PUNCT
arjefm-1283	211	57	and	and	CCONJ
arjefm-1283	211	58	gross	gross	ADJ
arjefm-1283	211	59	domestic	domestic	ADJ
arjefm-1283	211	60	product	product	NOUN
arjefm-1283	211	61	(	(	PUNCT
arjefm-1283	211	62	gdp	gdp	NOUN
arjefm-1283	211	63	)	)	PUNCT
arjefm-1283	211	64	were	be	AUX
arjefm-1283	211	65	used	use	VERB
arjefm-1283	211	66	as	as	ADP
arjefm-1283	211	67	the	the	DET
arjefm-1283	211	68	independent	independent	ADJ
arjefm-1283	211	69	variables	variable	NOUN
arjefm-1283	211	70	of	of	ADP
arjefm-1283	211	71	the	the	DET
arjefm-1283	211	72	study	study	NOUN
arjefm-1283	211	73	.	.	PUNCT
arjefm-1283	212	1	result	result	NOUN
arjefm-1283	212	2	of	of	ADP
arjefm-1283	212	3	the	the	DET
arjefm-1283	212	4	regression	regression	NOUN
arjefm-1283	212	5	analysis	analysis	NOUN
arjefm-1283	212	6	indicates	indicate	VERB
arjefm-1283	212	7	that	that	SCONJ
arjefm-1283	212	8	gross	gross	ADJ
arjefm-1283	212	9	domestic	domestic	ADJ
arjefm-1283	212	10	product	product	NOUN
arjefm-1283	212	11	and	and	CCONJ
arjefm-1283	212	12	liquidity	liquidity	NOUN
arjefm-1283	212	13	ratio	ratio	NOUN
arjefm-1283	212	14	have	have	VERB
arjefm-1283	212	15	the	the	DET
arjefm-1283	212	16	greatest	great	ADJ
arjefm-1283	212	17	impacts	impact	NOUN
arjefm-1283	212	18	on	on	ADP
arjefm-1283	212	19	their	their	PRON
arjefm-1283	212	20	lending	lending	NOUN
arjefm-1283	212	21	behavior	behavior	NOUN
arjefm-1283	212	22	.	.	PUNCT
arjefm-1283	213	1	granger	granger	PROPN
arjefm-1283	213	2	causality	causality	PROPN
arjefm-1283	213	3	test	test	NOUN
arjefm-1283	213	4	was	be	AUX
arjefm-1283	213	5	also	also	ADV
arjefm-1283	213	6	conducted	conduct	VERB
arjefm-1283	213	7	and	and	CCONJ
arjefm-1283	213	8	shows	show	VERB
arjefm-1283	213	9	evidence	evidence	NOUN
arjefm-1283	213	10	of	of	ADP
arjefm-1283	213	11	unidirectional	unidirectional	ADJ
arjefm-1283	213	12	causal	causal	NOUN
arjefm-1283	213	13	relationship	relationship	NOUN
arjefm-1283	213	14	from	from	ADP
arjefm-1283	213	15	gdp	gdp	NOUN
arjefm-1283	213	16	to	to	ADP
arjefm-1283	213	17	private	private	ADJ
arjefm-1283	213	18	sector	sector	NOUN
arjefm-1283	213	19	credit	credit	NOUN
arjefm-1283	213	20	.	.	PUNCT
arjefm-1283	214	1	this	this	PRON
arjefm-1283	214	2	implies	imply	VERB
arjefm-1283	214	3	that	that	SCONJ
arjefm-1283	214	4	gdp	gdp	NOUN
arjefm-1283	214	5	is	be	AUX
arjefm-1283	214	6	the	the	DET
arjefm-1283	214	7	barometer	barometer	NOUN
arjefm-1283	214	8	of	of	ADP
arjefm-1283	214	9	the	the	DET
arjefm-1283	214	10	economy	economy	NOUN
arjefm-1283	214	11	and	and	CCONJ
arjefm-1283	214	12	commercial	commercial	ADJ
arjefm-1283	214	13	banks	bank	NOUN
arjefm-1283	214	14	should	should	AUX
arjefm-1283	214	15	pay	pay	VERB
arjefm-1283	214	16	attention	attention	NOUN
arjefm-1283	214	17	to	to	ADP
arjefm-1283	214	18	the	the	DET
arjefm-1283	214	19	overall	overall	ADJ
arjefm-1283	214	20	macro	macro	ADJ
arjefm-1283	214	21	-	-	ADJ
arjefm-1283	214	22	economic	economic	ADJ
arjefm-1283	214	23	situation	situation	NOUN
arjefm-1283	214	24	of	of	ADP
arjefm-1283	214	25	their	their	PRON
arjefm-1283	214	26	country	country	NOUN
arjefm-1283	214	27	,	,	PUNCT
arjefm-1283	214	28	factors	factor	NOUN
arjefm-1283	214	29	affecting	affect	VERB
arjefm-1283	214	30	the	the	DET
arjefm-1283	214	31	gdp	gdp	NOUN
arjefm-1283	214	32	in	in	ADP
arjefm-1283	214	33	general	general	ADJ
arjefm-1283	214	34	and	and	CCONJ
arjefm-1283	214	35	their	their	PRON
arjefm-1283	214	36	liquidity	liquidity	NOUN
arjefm-1283	214	37	ratio	ratio	NOUN
arjefm-1283	214	38	in	in	ADP
arjefm-1283	214	39	particular	particular	ADJ
arjefm-1283	214	40	while	while	SCONJ
arjefm-1283	214	41	taking	take	VERB
arjefm-1283	214	42	lending	lending	NOUN
arjefm-1283	214	43	decision	decision	NOUN
arjefm-1283	214	44	oganda	oganda	NOUN
arjefm-1283	214	45	(	(	PUNCT
arjefm-1283	214	46	2018	2018	NUM
arjefm-1283	214	47	)	)	PUNCT
arjefm-1283	214	48	examined	examine	VERB
arjefm-1283	214	49	the	the	DET
arjefm-1283	214	50	effect	effect	NOUN
arjefm-1283	214	51	of	of	ADP
arjefm-1283	214	52	cash	cash	NOUN
arjefm-1283	214	53	reserves	reserve	NOUN
arjefm-1283	214	54	on	on	ADP
arjefm-1283	214	55	performance	performance	NOUN
arjefm-1283	214	56	of	of	ADP
arjefm-1283	214	57	commercial	commercial	ADJ
arjefm-1283	214	58	banks	bank	NOUN
arjefm-1283	214	59	in	in	ADP
arjefm-1283	214	60	kenya	kenya	PROPN
arjefm-1283	214	61	from	from	ADP
arjefm-1283	214	62	2007	2007	NUM
arjefm-1283	214	63	to	to	ADP
arjefm-1283	214	64	2016	2016	NUM
arjefm-1283	214	65	.	.	PUNCT
arjefm-1283	215	1	the	the	DET
arjefm-1283	215	2	study	study	NOUN
arjefm-1283	215	3	was	be	AUX
arjefm-1283	215	4	a	a	DET
arjefm-1283	215	5	comparative	comparative	ADJ
arjefm-1283	215	6	analysis	analysis	NOUN
arjefm-1283	215	7	between	between	ADP
arjefm-1283	215	8	national	national	PROPN
arjefm-1283	215	9	bank	bank	PROPN
arjefm-1283	215	10	and	and	CCONJ
arjefm-1283	215	11	equity	equity	NOUN
arjefm-1283	215	12	bank	bank	PROPN
arjefm-1283	215	13	of	of	ADP
arjefm-1283	215	14	kenya	kenya	PROPN
arjefm-1283	215	15	.	.	PUNCT
arjefm-1283	216	1	specifically	specifically	ADV
arjefm-1283	216	2	the	the	DET
arjefm-1283	216	3	study	study	NOUN
arjefm-1283	216	4	seeks	seek	VERB
arjefm-1283	216	5	to	to	PART
arjefm-1283	216	6	ascertain	ascertain	VERB
arjefm-1283	216	7	;	;	PUNCT
arjefm-1283	216	8	the	the	DET
arjefm-1283	216	9	effects	effect	NOUN
arjefm-1283	216	10	of	of	ADP
arjefm-1283	216	11	cash	cash	NOUN
arjefm-1283	216	12	reserves	reserve	NOUN
arjefm-1283	216	13	,	,	PUNCT
arjefm-1283	216	14	customer	customer	NOUN
arjefm-1283	216	15	deposits	deposit	NOUN
arjefm-1283	216	16	,	,	PUNCT
arjefm-1283	216	17	nonperforming	nonperforming	ADJ
arjefm-1283	216	18	loans	loan	NOUN
arjefm-1283	216	19	and	and	CCONJ
arjefm-1283	216	20	asset	asset	NOUN
arjefm-1283	216	21	base	base	NOUN
arjefm-1283	216	22	on	on	ADP
arjefm-1283	216	23	the	the	DET
arjefm-1283	216	24	performance	performance	NOUN
arjefm-1283	216	25	of	of	ADP
arjefm-1283	216	26	commercial	commercial	ADJ
arjefm-1283	216	27	banks	bank	NOUN
arjefm-1283	216	28	in	in	ADP
arjefm-1283	216	29	listed	list	VERB
arjefm-1283	216	30	kenya	kenya	PROPN
arjefm-1283	216	31	.	.	PUNCT
arjefm-1283	217	1	pearson	pearson	PROPN
arjefm-1283	217	2	product	product	PROPN
arjefm-1283	217	3	moment	moment	NOUN
arjefm-1283	217	4	correlational	correlational	ADJ
arjefm-1283	217	5	analysis	analysis	NOUN
arjefm-1283	217	6	was	be	AUX
arjefm-1283	217	7	used	use	VERB
arjefm-1283	217	8	to	to	PART
arjefm-1283	217	9	analyze	analyze	VERB
arjefm-1283	217	10	the	the	DET
arjefm-1283	217	11	data	datum	NOUN
arjefm-1283	217	12	gathered	gather	VERB
arjefm-1283	217	13	for	for	ADP
arjefm-1283	217	14	the	the	DET
arjefm-1283	217	15	study	study	NOUN
arjefm-1283	217	16	.	.	PUNCT
arjefm-1283	218	1	document	document	NOUN
arjefm-1283	218	2	analysis	analysis	NOUN
arjefm-1283	218	3	guide	guide	NOUN
arjefm-1283	218	4	was	be	AUX
arjefm-1283	218	5	used	use	VERB
arjefm-1283	218	6	to	to	PART
arjefm-1283	218	7	gather	gather	VERB
arjefm-1283	218	8	quantitative	quantitative	ADJ
arjefm-1283	218	9	data	datum	NOUN
arjefm-1283	218	10	from	from	ADP
arjefm-1283	218	11	the	the	DET
arjefm-1283	218	12	banks	bank	NOUN
arjefm-1283	218	13	financial	financial	ADJ
arjefm-1283	218	14	statements	statement	NOUN
arjefm-1283	218	15	through	through	ADP
arjefm-1283	218	16	2007	2007	NUM
arjefm-1283	218	17	to	to	ADP
arjefm-1283	218	18	2016	2016	NUM
arjefm-1283	218	19	and	and	CCONJ
arjefm-1283	218	20	interview	interview	NOUN
arjefm-1283	218	21	schedule	schedule	NOUN
arjefm-1283	218	22	was	be	AUX
arjefm-1283	218	23	used	use	VERB
arjefm-1283	218	24	to	to	PART
arjefm-1283	218	25	gather	gather	VERB
arjefm-1283	218	26	primary	primary	ADJ
arjefm-1283	218	27	data	datum	NOUN
arjefm-1283	218	28	.	.	PUNCT
arjefm-1283	219	1	pearson	pearson	PROPN
arjefm-1283	219	2	correlation	correlation	NOUN
arjefm-1283	219	3	was	be	AUX
arjefm-1283	219	4	used	use	VERB
arjefm-1283	219	5	to	to	PART
arjefm-1283	219	6	show	show	VERB
arjefm-1283	219	7	the	the	DET
arjefm-1283	219	8	strength	strength	NOUN
arjefm-1283	219	9	and	and	CCONJ
arjefm-1283	219	10	association	association	NOUN
arjefm-1283	219	11	among	among	ADP
arjefm-1283	219	12	the	the	DET
arjefm-1283	219	13	study	study	NOUN
arjefm-1283	219	14	variables	variable	NOUN
arjefm-1283	219	15	.	.	PUNCT
arjefm-1283	220	1	the	the	DET
arjefm-1283	220	2	study	study	NOUN
arjefm-1283	220	3	found	find	VERB
arjefm-1283	220	4	that	that	SCONJ
arjefm-1283	220	5	cash	cash	NOUN
arjefm-1283	220	6	reserves	reserve	NOUN
arjefm-1283	220	7	had	have	VERB
arjefm-1283	220	8	a	a	DET
arjefm-1283	220	9	strong	strong	ADJ
arjefm-1283	220	10	negative	negative	ADJ
arjefm-1283	220	11	correlation	correlation	NOUN
arjefm-1283	220	12	with	with	ADP
arjefm-1283	220	13	return	return	NOUN
arjefm-1283	220	14	on	on	ADP
arjefm-1283	220	15	equity	equity	NOUN
arjefm-1283	220	16	(	(	PUNCT
arjefm-1283	220	17	roe	roe	PROPN
arjefm-1283	220	18	)	)	PUNCT
arjefm-1283	220	19	while	while	SCONJ
arjefm-1283	220	20	,	,	PUNCT
arjefm-1283	220	21	cash	cash	NOUN
arjefm-1283	220	22	reserves	reserve	NOUN
arjefm-1283	220	23	significant	significant	ADJ
arjefm-1283	220	24	relate	relate	VERB
arjefm-1283	220	25	with	with	ADP
arjefm-1283	220	26	return	return	NOUN
arjefm-1283	220	27	on	on	ADP
arjefm-1283	220	28	equity	equity	NOUN
arjefm-1283	220	29	(	(	PUNCT
arjefm-1283	220	30	roe	roe	PROPN
arjefm-1283	220	31	)	)	PUNCT
arjefm-1283	220	32	.	.	PUNCT
arjefm-1283	221	1	it	it	PRON
arjefm-1283	221	2	was	be	AUX
arjefm-1283	221	3	recommended	recommend	VERB
arjefm-1283	221	4	that	that	SCONJ
arjefm-1283	221	5	the	the	DET
arjefm-1283	221	6	banks	bank	NOUN
arjefm-1283	221	7	should	should	AUX
arjefm-1283	221	8	therefore	therefore	ADV
arjefm-1283	221	9	minimize	minimize	VERB
arjefm-1283	221	10	cash	cash	NOUN
arjefm-1283	221	11	reserves	reserve	NOUN
arjefm-1283	221	12	and	and	CCONJ
arjefm-1283	221	13	invest	invest	VERB
arjefm-1283	221	14	this	this	DET
arjefm-1283	221	15	money	money	NOUN
arjefm-1283	221	16	in	in	ADP
arjefm-1283	221	17	productive	productive	ADJ
arjefm-1283	221	18	investments	investment	NOUN
arjefm-1283	221	19	.	.	PUNCT
arjefm-1283	222	1	azira	azira	PROPN
arjefm-1283	222	2	et	et	PROPN
arjefm-1283	222	3	al	al	PROPN
arjefm-1283	222	4	,	,	PUNCT
arjefm-1283	222	5	(	(	PUNCT
arjefm-1283	222	6	2018	2018	NUM
arjefm-1283	222	7	)	)	PUNCT
arjefm-1283	222	8	examined	examine	VERB
arjefm-1283	222	9	the	the	DET
arjefm-1283	222	10	bank	bank	NOUN
arjefm-1283	222	11	specific	specific	ADJ
arjefm-1283	222	12	and	and	CCONJ
arjefm-1283	222	13	macroeconomic	macroeconomic	ADJ
arjefm-1283	222	14	determinants	determinant	NOUN
arjefm-1283	222	15	of	of	ADP
arjefm-1283	222	16	commercial	commercial	ADJ
arjefm-1283	222	17	bank	bank	NOUN
arjefm-1283	222	18	lending	lending	NOUN
arjefm-1283	222	19	in	in	ADP
arjefm-1283	222	20	malaysia	malaysia	NOUN
arjefm-1283	222	21	using	use	VERB
arjefm-1283	222	22	a	a	DET
arjefm-1283	222	23	sample	sample	NOUN
arjefm-1283	222	24	of	of	ADP
arjefm-1283	222	25	27	27	NUM
arjefm-1283	222	26	banks	bank	NOUN
arjefm-1283	222	27	covering	cover	VERB
arjefm-1283	222	28	the	the	DET
arjefm-1283	222	29	period	period	NOUN
arjefm-1283	222	30	from	from	ADP
arjefm-1283	222	31	2005	2005	NUM
arjefm-1283	222	32	to	to	ADP
arjefm-1283	222	33	2014	2014	NUM
arjefm-1283	222	34	.	.	PUNCT
arjefm-1283	223	1	specifically	specifically	ADV
arjefm-1283	223	2	the	the	DET
arjefm-1283	223	3	impact	impact	NOUN
arjefm-1283	223	4	of	of	ADP
arjefm-1283	223	5	macro	macro	ADJ
arjefm-1283	223	6	prudential	prudential	ADJ
arjefm-1283	223	7	policy	policy	NOUN
arjefm-1283	223	8	measure	measure	NOUN
arjefm-1283	223	9	implemented	implement	VERB
arjefm-1283	223	10	in	in	ADP
arjefm-1283	223	11	2010	2010	NUM
arjefm-1283	223	12	on	on	ADP
arjefm-1283	223	13	the	the	DET
arjefm-1283	223	14	lending	lending	NOUN
arjefm-1283	223	15	activities	activity	NOUN
arjefm-1283	223	16	of	of	ADP
arjefm-1283	223	17	malaysian	malaysian	ADJ
arjefm-1283	223	18	commercial	commercial	ADJ
arjefm-1283	223	19	banks	bank	NOUN
arjefm-1283	223	20	was	be	AUX
arjefm-1283	223	21	investigated	investigate	VERB
arjefm-1283	223	22	.	.	PUNCT
arjefm-1283	224	1	using	use	VERB
arjefm-1283	224	2	random	random	ADJ
arjefm-1283	224	3	effects	effect	NOUN
arjefm-1283	224	4	estimation	estimation	NOUN
arjefm-1283	224	5	,	,	PUNCT
arjefm-1283	224	6	the	the	DET
arjefm-1283	224	7	result	result	NOUN
arjefm-1283	224	8	demonstrate	demonstrate	VERB
arjefm-1283	224	9	that	that	SCONJ
arjefm-1283	224	10	bank	bank	NOUN
arjefm-1283	224	11	size	size	NOUN
arjefm-1283	224	12	and	and	CCONJ
arjefm-1283	224	13	volume	volume	NOUN
arjefm-1283	224	14	of	of	ADP
arjefm-1283	224	15	deposit	deposit	NOUN
arjefm-1283	224	16	positively	positively	ADV
arjefm-1283	224	17	influence	influence	VERB
arjefm-1283	224	18	commercial	commercial	ADJ
arjefm-1283	224	19	bank	bank	NOUN
arjefm-1283	224	20	lending	lending	NOUN
arjefm-1283	224	21	in	in	ADP
arjefm-1283	224	22	malaysia	malaysia	PROPN
arjefm-1283	224	23	,	,	PUNCT
arjefm-1283	224	24	while	while	SCONJ
arjefm-1283	224	25	liquidity	liquidity	NOUN
arjefm-1283	224	26	negatively	negatively	ADV
arjefm-1283	224	27	influences	influence	VERB
arjefm-1283	224	28	the	the	DET
arjefm-1283	224	29	lending	lending	NOUN
arjefm-1283	224	30	activities	activity	NOUN
arjefm-1283	224	31	.	.	PUNCT
arjefm-1283	225	1	with	with	ADP
arjefm-1283	225	2	regard	regard	NOUN
arjefm-1283	225	3	to	to	ADP
arjefm-1283	225	4	macroeconomic	macroeconomic	ADJ
arjefm-1283	225	5	determinants	determinant	NOUN
arjefm-1283	225	6	,	,	PUNCT
arjefm-1283	225	7	this	this	DET
arjefm-1283	225	8	study	study	NOUN
arjefm-1283	225	9	does	do	AUX
arjefm-1283	225	10	not	not	PART
arjefm-1283	225	11	find	find	VERB
arjefm-1283	225	12	any	any	DET
arjefm-1283	225	13	conclusive	conclusive	ADJ
arjefm-1283	225	14	evidence	evidence	NOUN
arjefm-1283	225	15	to	to	PART
arjefm-1283	225	16	support	support	VERB
arjefm-1283	225	17	the	the	DET
arjefm-1283	225	18	influence	influence	NOUN
arjefm-1283	225	19	of	of	ADP
arjefm-1283	225	20	gross	gross	ADJ
arjefm-1283	225	21	domestic	domestic	ADJ
arjefm-1283	225	22	product	product	NOUN
arjefm-1283	225	23	(	(	PUNCT
arjefm-1283	225	24	gdp	gdp	NOUN
arjefm-1283	225	25	)	)	PUNCT
arjefm-1283	225	26	,	,	PUNCT
arjefm-1283	225	27	lending	lending	NOUN
arjefm-1283	225	28	rate	rate	NOUN
arjefm-1283	225	29	and	and	CCONJ
arjefm-1283	225	30	cash	cash	NOUN
arjefm-1283	225	31	reserve	reserve	NOUN
arjefm-1283	225	32	requirement	requirement	NOUN
arjefm-1283	225	33	on	on	ADP
arjefm-1283	225	34	commercial	commercial	ADJ
arjefm-1283	225	35	bank	bank	NOUN
arjefm-1283	225	36	lending	lending	NOUN
arjefm-1283	225	37	activities	activity	NOUN
arjefm-1283	225	38	in	in	ADP
arjefm-1283	225	39	malaysia	malaysia	PROPN
arjefm-1283	225	40	.	.	PUNCT
arjefm-1283	226	1	moreover	moreover	ADV
arjefm-1283	226	2	,	,	PUNCT
arjefm-1283	226	3	the	the	DET
arjefm-1283	226	4	findings	finding	NOUN
arjefm-1283	226	5	of	of	ADP
arjefm-1283	226	6	this	this	DET
arjefm-1283	226	7	study	study	NOUN
arjefm-1283	226	8	also	also	ADV
arjefm-1283	226	9	reveal	reveal	VERB
arjefm-1283	226	10	that	that	SCONJ
arjefm-1283	226	11	the	the	DET
arjefm-1283	226	12	macro	macro	ADJ
arjefm-1283	226	13	prudential	prudential	PROPN
arjefm-1283	226	14	policy	policy	NOUN
arjefm-1283	226	15	measure	measure	NOUN
arjefm-1283	226	16	which	which	PRON
arjefm-1283	226	17	was	be	AUX
arjefm-1283	226	18	implemented	implement	VERB
arjefm-1283	226	19	in	in	ADP
arjefm-1283	226	20	2010	2010	NUM
arjefm-1283	226	21	to	to	PART
arjefm-1283	226	22	curb	curb	VERB
arjefm-1283	226	23	the	the	DET
arjefm-1283	226	24	high	high	ADJ
arjefm-1283	226	25	level	level	NOUN
arjefm-1283	226	26	of	of	ADP
arjefm-1283	226	27	household	household	NOUN
arjefm-1283	226	28	indebtedness	indebtedness	NOUN
arjefm-1283	226	29	does	do	AUX
arjefm-1283	226	30	not	not	PART
arjefm-1283	226	31	give	give	VERB
arjefm-1283	226	32	any	any	DET
arjefm-1283	226	33	significant	significant	ADJ
arjefm-1283	226	34	impact	impact	NOUN
arjefm-1283	226	35	on	on	ADP
arjefm-1283	226	36	lending	lending	NOUN
arjefm-1283	226	37	activities	activity	NOUN
arjefm-1283	226	38	in	in	ADP
arjefm-1283	226	39	malaysia	malaysia	NOUN
arjefm-1283	226	40	during	during	ADP
arjefm-1283	226	41	the	the	DET
arjefm-1283	226	42	study	study	NOUN
arjefm-1283	226	43	period	period	NOUN
arjefm-1283	226	44	.	.	PUNCT
arjefm-1283	227	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	228	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	229	1	american	american	PROPN
arjefm-1283	229	2	research	research	PROPN
arjefm-1283	229	3	journal	journal	PROPN
arjefm-1283	229	4	of	of	ADP
arjefm-1283	229	5	economics	economic	NOUN
arjefm-1283	229	6	,	,	PUNCT
arjefm-1283	229	7	finance	finance	NOUN
arjefm-1283	229	8	and	and	CCONJ
arjefm-1283	229	9	management	management	NOUN
arjefm-1283	229	10	volume	volume	NOUN
arjefm-1283	229	11	13	13	NUM
arjefm-1283	229	12	issue	issue	NOUN
arjefm-1283	229	13	4	4	NUM
arjefm-1283	229	14	,	,	PUNCT
arjefm-1283	229	15	october	october	PROPN
arjefm-1283	229	16	-	-	PUNCT
arjefm-1283	229	17	december	december	PROPN
arjefm-1283	229	18	2025	2025	NUM
arjefm-1283	229	19	issn	issn	NOUN
arjefm-1283	229	20	:	:	PUNCT
arjefm-1283	229	21	2836	2836	NUM
arjefm-1283	229	22	-	-	SYM
arjefm-1283	229	23	9416	9416	NUM
arjefm-1283	229	24	impact	impact	NOUN
arjefm-1283	229	25	factor	factor	NOUN
arjefm-1283	229	26	:	:	PUNCT
arjefm-1283	229	27	6.41	6.41	NUM
arjefm-1283	229	28	journal	journal	NOUN
arjefm-1283	229	29	homepage	homepage	NOUN
arjefm-1283	229	30	:	:	PUNCT
arjefm-1283	229	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	229	32	email	email	NOUN
arjefm-1283	229	33	:	:	PUNCT
arjefm-1283	229	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	229	35	official	official	ADJ
arjefm-1283	229	36	journal	journal	PROPN
arjefm-1283	229	37	of	of	ADP
arjefm-1283	229	38	america	america	PROPN
arjefm-1283	229	39	serial	serial	PROPN
arjefm-1283	229	40	publication	publication	NOUN
arjefm-1283	229	41	american	american	PROPN
arjefm-1283	229	42	research	research	PROPN
arjefm-1283	229	43	journal	journal	PROPN
arjefm-1283	229	44	of	of	ADP
arjefm-1283	229	45	economics	economic	NOUN
arjefm-1283	229	46	,	,	PUNCT
arjefm-1283	229	47	finance	finance	NOUN
arjefm-1283	229	48	and	and	CCONJ
arjefm-1283	229	49	management	management	NOUN
arjefm-1283	229	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	229	51	,	,	PUNCT
arjefm-1283	229	52	email	email	NOUN
arjefm-1283	229	53	:	:	PUNCT
arjefm-1283	229	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	230	1	40	40	NUM
arjefm-1283	231	1	|	|	ADV
arjefm-1283	231	2	p	p	X
arjefm-1283	231	3	a	a	DET
arjefm-1283	231	4	g	g	NOUN
arjefm-1283	231	5	e	e	NOUN
arjefm-1283	231	6	while	while	SCONJ
arjefm-1283	231	7	there	there	PRON
arjefm-1283	231	8	have	have	AUX
arjefm-1283	231	9	been	be	AUX
arjefm-1283	231	10	several	several	ADJ
arjefm-1283	231	11	studies	study	NOUN
arjefm-1283	231	12	on	on	ADP
arjefm-1283	231	13	bank	bank	NOUN
arjefm-1283	231	14	capitalization	capitalization	NOUN
arjefm-1283	231	15	and	and	CCONJ
arjefm-1283	231	16	performance	performance	NOUN
arjefm-1283	231	17	in	in	ADP
arjefm-1283	231	18	many	many	ADJ
arjefm-1283	231	19	parts	part	NOUN
arjefm-1283	231	20	of	of	ADP
arjefm-1283	231	21	the	the	DET
arjefm-1283	231	22	world	world	NOUN
arjefm-1283	231	23	,	,	PUNCT
arjefm-1283	231	24	very	very	ADV
arjefm-1283	231	25	few	few	ADJ
arjefm-1283	231	26	of	of	ADP
arjefm-1283	231	27	them	they	PRON
arjefm-1283	231	28	have	have	AUX
arjefm-1283	231	29	focused	focus	VERB
arjefm-1283	231	30	on	on	ADP
arjefm-1283	231	31	bank	bank	NOUN
arjefm-1283	231	32	capitalization	capitalization	NOUN
arjefm-1283	231	33	and	and	CCONJ
arjefm-1283	231	34	performance	performance	NOUN
arjefm-1283	231	35	of	of	ADP
arjefm-1283	231	36	the	the	DET
arjefm-1283	231	37	nigerian	nigerian	ADJ
arjefm-1283	231	38	banking	banking	NOUN
arjefm-1283	231	39	industry	industry	NOUN
arjefm-1283	231	40	.	.	PUNCT
arjefm-1283	232	1	a	a	DET
arjefm-1283	232	2	few	few	ADJ
arjefm-1283	232	3	of	of	ADP
arjefm-1283	232	4	the	the	DET
arjefm-1283	232	5	works	work	NOUN
arjefm-1283	232	6	reviewed	review	VERB
arjefm-1283	232	7	by	by	ADP
arjefm-1283	232	8	the	the	DET
arjefm-1283	232	9	researcher	researcher	NOUN
arjefm-1283	232	10	were	be	AUX
arjefm-1283	232	11	carried	carry	VERB
arjefm-1283	232	12	out	out	ADP
arjefm-1283	232	13	in	in	ADP
arjefm-1283	232	14	nigeria	nigeria	PROPN
arjefm-1283	232	15	while	while	SCONJ
arjefm-1283	232	16	the	the	DET
arjefm-1283	232	17	rest	rest	NOUN
arjefm-1283	232	18	of	of	ADP
arjefm-1283	232	19	them	they	PRON
arjefm-1283	232	20	were	be	AUX
arjefm-1283	232	21	conducted	conduct	VERB
arjefm-1283	232	22	abroad	abroad	ADV
arjefm-1283	232	23	.	.	PUNCT
arjefm-1283	233	1	udeh	udeh	PROPN
arjefm-1283	233	2	(	(	PUNCT
arjefm-1283	233	3	2015	2015	NUM
arjefm-1283	233	4	)	)	PUNCT
arjefm-1283	233	5	who	who	PRON
arjefm-1283	233	6	evaluated	evaluate	VERB
arjefm-1283	233	7	the	the	DET
arjefm-1283	233	8	impact	impact	NOUN
arjefm-1283	233	9	of	of	ADP
arjefm-1283	233	10	monetary	monetary	ADJ
arjefm-1283	233	11	policy	policy	NOUN
arjefm-1283	233	12	instruments	instrument	NOUN
arjefm-1283	233	13	on	on	ADP
arjefm-1283	233	14	profitability	profitability	NOUN
arjefm-1283	233	15	of	of	ADP
arjefm-1283	233	16	commercial	commercial	ADJ
arjefm-1283	233	17	banks	bank	NOUN
arjefm-1283	233	18	in	in	ADP
arjefm-1283	233	19	nigeria	nigeria	PROPN
arjefm-1283	233	20	using	use	VERB
arjefm-1283	233	21	zenith	zenith	PROPN
arjefm-1283	233	22	bank	bank	NOUN
arjefm-1283	233	23	as	as	ADP
arjefm-1283	233	24	evidence	evidence	NOUN
arjefm-1283	233	25	.	.	PUNCT
arjefm-1283	234	1	gambo	gambo	PROPN
arjefm-1283	234	2	(	(	PUNCT
arjefm-1283	234	3	2017	2017	NUM
arjefm-1283	234	4	)	)	PUNCT
arjefm-1283	234	5	who	who	PRON
arjefm-1283	234	6	assessed	assess	VERB
arjefm-1283	234	7	the	the	DET
arjefm-1283	234	8	relationship	relationship	NOUN
arjefm-1283	234	9	between	between	ADP
arjefm-1283	234	10	bank	bank	NOUN
arjefm-1283	234	11	specific	specific	ADJ
arjefm-1283	234	12	and	and	CCONJ
arjefm-1283	234	13	macroeconomics	macroeconomic	NOUN
arjefm-1283	234	14	determinant	determinant	ADJ
arjefm-1283	234	15	of	of	ADP
arjefm-1283	234	16	non	non	ADJ
arjefm-1283	234	17	-	-	ADJ
arjefm-1283	234	18	performing	performing	ADJ
arjefm-1283	234	19	loans	loan	NOUN
arjefm-1283	234	20	in	in	ADP
arjefm-1283	234	21	nigerian	nigerian	ADJ
arjefm-1283	234	22	deposit	deposit	NOUN
arjefm-1283	234	23	money	money	NOUN
arjefm-1283	234	24	banks.akani	banks.akani	PROPN
arjefm-1283	234	25	&	&	CCONJ
arjefm-1283	234	26	oparaordu	oparaordu	PROPN
arjefm-1283	234	27	(	(	PUNCT
arjefm-1283	234	28	2018	2018	NUM
arjefm-1283	234	29	)	)	PUNCT
arjefm-1283	234	30	who	who	PRON
arjefm-1283	234	31	analysed	analyse	VERB
arjefm-1283	234	32	the	the	DET
arjefm-1283	234	33	determinants	determinant	NOUN
arjefm-1283	234	34	of	of	ADP
arjefm-1283	234	35	commercial	commercial	ADJ
arjefm-1283	234	36	banks	bank	NOUN
arjefm-1283	234	37	credit	credit	NOUN
arjefm-1283	234	38	to	to	ADP
arjefm-1283	234	39	the	the	DET
arjefm-1283	234	40	domestic	domestic	ADJ
arjefm-1283	234	41	economy	economy	NOUN
arjefm-1283	234	42	in	in	ADP
arjefm-1283	234	43	nigeria	nigeria	PROPN
arjefm-1283	234	44	.	.	PUNCT
arjefm-1283	235	1	akinyomi	akinyomi	PROPN
arjefm-1283	235	2	(	(	PUNCT
arjefm-1283	235	3	2014	2014	NUM
arjefm-1283	235	4	)	)	PUNCT
arjefm-1283	235	5	who	who	PRON
arjefm-1283	235	6	examined	examine	VERB
arjefm-1283	235	7	the	the	DET
arjefm-1283	235	8	effect	effect	NOUN
arjefm-1283	235	9	of	of	ADP
arjefm-1283	235	10	deposit	deposit	NOUN
arjefm-1283	235	11	volume	volume	NOUN
arjefm-1283	235	12	on	on	ADP
arjefm-1283	235	13	bank	bank	NOUN
arjefm-1283	235	14	lending	lending	NOUN
arjefm-1283	235	15	behavior	behavior	NOUN
arjefm-1283	235	16	in	in	ADP
arjefm-1283	235	17	the	the	DET
arjefm-1283	235	18	nigerian	nigerian	ADJ
arjefm-1283	235	19	post	post	ADJ
arjefm-1283	235	20	-	-	ADJ
arjefm-1283	235	21	consolidation	consolidation	ADJ
arjefm-1283	235	22	banking	banking	NOUN
arjefm-1283	235	23	period	period	NOUN
arjefm-1283	235	24	.	.	PUNCT
arjefm-1283	236	1	bawa	bawa	PROPN
arjefm-1283	236	2	,	,	PUNCT
arjefm-1283	236	3	akinniyi	akinniyi	PROPN
arjefm-1283	236	4	&	&	CCONJ
arjefm-1283	236	5	njarendy	njarendy	PROPN
arjefm-1283	236	6	(	(	PUNCT
arjefm-1283	236	7	2018	2018	NUM
arjefm-1283	236	8	)	)	PUNCT
arjefm-1283	236	9	who	who	PRON
arjefm-1283	236	10	examined	examine	VERB
arjefm-1283	236	11	the	the	DET
arjefm-1283	236	12	effect	effect	NOUN
arjefm-1283	236	13	of	of	ADP
arjefm-1283	236	14	cash	cash	NOUN
arjefm-1283	236	15	reserve	reserve	NOUN
arjefm-1283	236	16	ratio	ratio	NOUN
arjefm-1283	236	17	and	and	CCONJ
arjefm-1283	236	18	money	money	NOUN
arjefm-1283	236	19	supply	supply	NOUN
arjefm-1283	236	20	on	on	ADP
arjefm-1283	236	21	the	the	DET
arjefm-1283	236	22	profitability	profitability	NOUN
arjefm-1283	236	23	of	of	ADP
arjefm-1283	236	24	deposit	deposit	NOUN
arjefm-1283	236	25	money	money	NOUN
arjefm-1283	236	26	banks	bank	NOUN
arjefm-1283	236	27	.	.	PUNCT
arjefm-1283	237	1	eze	eze	PROPN
arjefm-1283	237	2	(	(	PUNCT
arjefm-1283	237	3	2014	2014	NUM
arjefm-1283	237	4	)	)	PUNCT
arjefm-1283	237	5	who	who	PRON
arjefm-1283	237	6	examined	examine	VERB
arjefm-1283	237	7	the	the	DET
arjefm-1283	237	8	determinants	determinant	NOUN
arjefm-1283	237	9	of	of	ADP
arjefm-1283	237	10	bank	bank	NOUN
arjefm-1283	237	11	profitability	profitability	NOUN
arjefm-1283	237	12	in	in	ADP
arjefm-1283	237	13	nigeria	nigeria	PROPN
arjefm-1283	237	14	.	.	PUNCT
arjefm-1283	237	15	eze	eze	PROPN
arjefm-1283	237	16	&	&	CCONJ
arjefm-1283	237	17	unah	unah	PROPN
arjefm-1283	237	18	(	(	PUNCT
arjefm-1283	237	19	2015	2015	NUM
arjefm-1283	237	20	)	)	PUNCT
arjefm-1283	237	21	who	who	PRON
arjefm-1283	237	22	investigated	investigate	VERB
arjefm-1283	237	23	if	if	SCONJ
arjefm-1283	237	24	retained	retain	VERB
arjefm-1283	237	25	earnings	earning	NOUN
arjefm-1283	237	26	is	be	AUX
arjefm-1283	237	27	determined	determine	VERB
arjefm-1283	237	28	by	by	ADP
arjefm-1283	237	29	capital	capital	NOUN
arjefm-1283	237	30	structure	structure	NOUN
arjefm-1283	237	31	in	in	ADP
arjefm-1283	237	32	the	the	DET
arjefm-1283	237	33	oil	oil	NOUN
arjefm-1283	237	34	and	and	CCONJ
arjefm-1283	237	35	gas	gas	NOUN
arjefm-1283	237	36	sector	sector	NOUN
arjefm-1283	237	37	of	of	ADP
arjefm-1283	237	38	nigeria	nigeria	PROPN
arjefm-1283	237	39	.	.	PUNCT
arjefm-1283	238	1	also	also	ADV
arjefm-1283	238	2	,	,	PUNCT
arjefm-1283	238	3	none	none	NOUN
arjefm-1283	238	4	of	of	ADP
arjefm-1283	238	5	the	the	DET
arjefm-1283	238	6	63	63	NUM
arjefm-1283	238	7	studies	study	NOUN
arjefm-1283	238	8	covered	cover	VERB
arjefm-1283	238	9	2019	2019	NUM
arjefm-1283	238	10	and	and	CCONJ
arjefm-1283	238	11	2020	2020	NUM
arjefm-1283	238	12	financial	financial	ADJ
arjefm-1283	238	13	year	year	NOUN
arjefm-1283	238	14	in	in	ADP
arjefm-1283	238	15	terms	term	NOUN
arjefm-1283	238	16	of	of	ADP
arjefm-1283	238	17	time	time	NOUN
arjefm-1283	238	18	coverage	coverage	NOUN
arjefm-1283	238	19	.	.	PUNCT
arjefm-1283	239	1	therefore	therefore	ADV
arjefm-1283	239	2	,	,	PUNCT
arjefm-1283	239	3	this	this	DET
arjefm-1283	239	4	study	study	NOUN
arjefm-1283	239	5	intends	intend	VERB
arjefm-1283	239	6	to	to	PART
arjefm-1283	239	7	fill	fill	VERB
arjefm-1283	239	8	these	these	DET
arjefm-1283	239	9	research	research	NOUN
arjefm-1283	239	10	gaps	gap	NOUN
arjefm-1283	239	11	by	by	ADP
arjefm-1283	239	12	evaluating	evaluate	VERB
arjefm-1283	239	13	the	the	DET
arjefm-1283	239	14	effect	effect	NOUN
arjefm-1283	239	15	of	of	ADP
arjefm-1283	239	16	tier	tier	NOUN
arjefm-1283	239	17	one	one	NUM
arjefm-1283	239	18	capital	capital	NOUN
arjefm-1283	239	19	components	component	NOUN
arjefm-1283	239	20	on	on	ADP
arjefm-1283	239	21	loan	loan	NOUN
arjefm-1283	239	22	portfolio	portfolio	NOUN
arjefm-1283	239	23	of	of	ADP
arjefm-1283	239	24	deposit	deposit	NOUN
arjefm-1283	239	25	money	money	NOUN
arjefm-1283	239	26	banks	bank	NOUN
arjefm-1283	239	27	in	in	ADP
arjefm-1283	239	28	nigeria	nigeria	PROPN
arjefm-1283	239	29	from	from	ADP
arjefm-1283	239	30	2010	2010	NUM
arjefm-1283	239	31	to	to	ADP
arjefm-1283	239	32	2020	2020	NUM
arjefm-1283	239	33	.	.	PUNCT
arjefm-1283	240	1	3	3	X
arjefm-1283	240	2	.	.	X
arjefm-1283	240	3	methodology	methodology	NOUN
arjefm-1283	240	4	the	the	DET
arjefm-1283	240	5	study	study	NOUN
arjefm-1283	240	6	adopted	adopt	VERB
arjefm-1283	240	7	ex	ex	ADJ
arjefm-1283	240	8	-	-	ADJ
arjefm-1283	240	9	post	post	ADJ
arjefm-1283	240	10	facto	facto	X
arjefm-1283	240	11	research	research	NOUN
arjefm-1283	240	12	design	design	NOUN
arjefm-1283	240	13	.	.	PUNCT
arjefm-1283	241	1	this	this	DET
arjefm-1283	241	2	study	study	NOUN
arjefm-1283	241	3	was	be	AUX
arjefm-1283	241	4	conducted	conduct	VERB
arjefm-1283	241	5	in	in	ADP
arjefm-1283	241	6	nigeria	nigeria	PROPN
arjefm-1283	241	7	and	and	CCONJ
arjefm-1283	241	8	precisely	precisely	ADV
arjefm-1283	241	9	on	on	ADP
arjefm-1283	241	10	deposit	deposit	NOUN
arjefm-1283	241	11	money	money	NOUN
arjefm-1283	241	12	banks	bank	NOUN
arjefm-1283	241	13	.	.	PUNCT
arjefm-1283	242	1	secondary	secondary	ADJ
arjefm-1283	242	2	data	datum	NOUN
arjefm-1283	242	3	were	be	AUX
arjefm-1283	242	4	sourced	source	VERB
arjefm-1283	242	5	from	from	ADP
arjefm-1283	242	6	the	the	DET
arjefm-1283	242	7	published	publish	VERB
arjefm-1283	242	8	annual	annual	ADJ
arjefm-1283	242	9	financial	financial	ADJ
arjefm-1283	242	10	statement	statement	NOUN
arjefm-1283	242	11	of	of	ADP
arjefm-1283	242	12	the	the	DET
arjefm-1283	242	13	selected	select	VERB
arjefm-1283	242	14	banks	bank	NOUN
arjefm-1283	242	15	.	.	PUNCT
arjefm-1283	243	1	population	population	NOUN
arjefm-1283	243	2	of	of	ADP
arjefm-1283	243	3	the	the	DET
arjefm-1283	243	4	study	study	NOUN
arjefm-1283	243	5	is	be	AUX
arjefm-1283	243	6	the	the	DET
arjefm-1283	243	7	twenty	twenty	NUM
arjefm-1283	243	8	-	-	PUNCT
arjefm-1283	243	9	three	three	NUM
arjefm-1283	243	10	(	(	PUNCT
arjefm-1283	243	11	23	23	NUM
arjefm-1283	243	12	)	)	PUNCT
arjefm-1283	243	13	deposit	deposit	NOUN
arjefm-1283	243	14	money	money	NOUN
arjefm-1283	243	15	banks	bank	NOUN
arjefm-1283	243	16	listed	list	VERB
arjefm-1283	243	17	in	in	ADP
arjefm-1283	243	18	the	the	DET
arjefm-1283	243	19	ngx	ngx	NOUN
arjefm-1283	243	20	from	from	ADP
arjefm-1283	243	21	2015	2015	NUM
arjefm-1283	243	22	to	to	ADP
arjefm-1283	243	23	2024	2024	NUM
arjefm-1283	243	24	.	.	PUNCT
arjefm-1283	244	1	sample	sample	NOUN
arjefm-1283	244	2	was	be	AUX
arjefm-1283	244	3	determined	determine	VERB
arjefm-1283	244	4	by	by	ADP
arjefm-1283	244	5	simple	simple	ADJ
arjefm-1283	244	6	random	random	ADJ
arjefm-1283	244	7	sampling	sampling	NOUN
arjefm-1283	244	8	technique	technique	NOUN
arjefm-1283	244	9	and	and	CCONJ
arjefm-1283	244	10	six	six	NUM
arjefm-1283	244	11	(	(	PUNCT
arjefm-1283	244	12	6	6	NUM
arjefm-1283	244	13	)	)	PUNCT
arjefm-1283	244	14	banks	bank	NOUN
arjefm-1283	244	15	were	be	AUX
arjefm-1283	244	16	randomly	randomly	ADV
arjefm-1283	244	17	selected	select	VERB
arjefm-1283	244	18	from	from	ADP
arjefm-1283	244	19	the	the	DET
arjefm-1283	244	20	population	population	NOUN
arjefm-1283	244	21	.	.	PUNCT
arjefm-1283	245	1	the	the	DET
arjefm-1283	245	2	dependent	dependent	ADJ
arjefm-1283	245	3	variable	variable	NOUN
arjefm-1283	245	4	of	of	ADP
arjefm-1283	245	5	the	the	DET
arjefm-1283	245	6	study	study	NOUN
arjefm-1283	245	7	are	be	AUX
arjefm-1283	245	8	loans	loan	NOUN
arjefm-1283	245	9	and	and	CCONJ
arjefm-1283	245	10	advances	advance	NOUN
arjefm-1283	245	11	while	while	SCONJ
arjefm-1283	245	12	the	the	DET
arjefm-1283	245	13	independent	independent	ADJ
arjefm-1283	245	14	variables	variable	NOUN
arjefm-1283	245	15	are	be	AUX
arjefm-1283	245	16	:	:	PUNCT
arjefm-1283	245	17	share	share	NOUN
arjefm-1283	245	18	capital	capital	NOUN
arjefm-1283	245	19	,	,	PUNCT
arjefm-1283	245	20	retained	retain	VERB
arjefm-1283	245	21	earnings	earning	NOUN
arjefm-1283	245	22	,	,	PUNCT
arjefm-1283	245	23	statutory	statutory	ADJ
arjefm-1283	245	24	reserve	reserve	PROPN
arjefm-1283	245	25	and	and	CCONJ
arjefm-1283	245	26	share	share	NOUN
arjefm-1283	245	27	premium	premium	NOUN
arjefm-1283	245	28	.	.	PUNCT
arjefm-1283	246	1	the	the	DET
arjefm-1283	246	2	following	follow	VERB
arjefm-1283	246	3	model	model	NOUN
arjefm-1283	246	4	was	be	AUX
arjefm-1283	246	5	developed	develop	VERB
arjefm-1283	246	6	and	and	CCONJ
arjefm-1283	246	7	adopted	adopt	VERB
arjefm-1283	246	8	based	base	VERB
arjefm-1283	246	9	on	on	ADP
arjefm-1283	246	10	the	the	DET
arjefm-1283	246	11	variables	variable	NOUN
arjefm-1283	246	12	of	of	ADP
arjefm-1283	246	13	the	the	DET
arjefm-1283	246	14	study	study	NOUN
arjefm-1283	246	15	:	:	PUNCT
arjefm-1283	246	16	loa	loa	NOUN
arjefm-1283	246	17	=	=	SYM
arjefm-1283	246	18	β0	β0	PROPN
arjefm-1283	246	19	+	+	PROPN
arjefm-1283	246	20	β1psc+	β1psc+	NOUN
arjefm-1283	246	21	β2str+ε	β2str+ε	NOUN
arjefm-1283	246	22	where	where	SCONJ
arjefm-1283	246	23	:	:	PUNCT
arjefm-1283	246	24	f	f	X
arjefm-1283	246	25	=	=	PUNCT
arjefm-1283	246	26	function	function	NOUN
arjefm-1283	246	27	of	of	ADP
arjefm-1283	246	28	load=	load=	NUM
arjefm-1283	246	29	loans	loan	NOUN
arjefm-1283	246	30	and	and	CCONJ
arjefm-1283	246	31	advances	advance	NOUN
arjefm-1283	246	32	pdsc	pdsc	NOUN
arjefm-1283	246	33	=	=	PUNCT
arjefm-1283	246	34	paid	pay	VERB
arjefm-1283	246	35	-	-	PUNCT
arjefm-1283	246	36	up	up	ADP
arjefm-1283	246	37	share	share	NOUN
arjefm-1283	246	38	capital	capital	NOUN
arjefm-1283	246	39	star=	star=	NUM
arjefm-1283	246	40	statutory	statutory	ADJ
arjefm-1283	246	41	reserve	reserve	NOUN
arjefm-1283	246	42	β	β	X
arjefm-1283	247	1	=	=	ADJ
arjefm-1283	247	2	beta	beta	ADJ
arjefm-1283	247	3	ε	ε	NOUN
arjefm-1283	247	4	=	=	SYM
arjefm-1283	247	5	error	error	NOUN
arjefm-1283	247	6	term	term	NOUN
arjefm-1283	247	7	panel	panel	NOUN
arjefm-1283	247	8	data	datum	NOUN
arjefm-1283	247	9	regression	regression	NOUN
arjefm-1283	247	10	analysis	analysis	NOUN
arjefm-1283	247	11	was	be	AUX
arjefm-1283	247	12	used	use	VERB
arjefm-1283	247	13	as	as	ADP
arjefm-1283	247	14	the	the	DET
arjefm-1283	247	15	main	main	ADJ
arjefm-1283	247	16	statistical	statistical	ADJ
arjefm-1283	247	17	tool	tool	NOUN
arjefm-1283	247	18	.	.	PUNCT
arjefm-1283	248	1	descriptive	descriptive	ADJ
arjefm-1283	248	2	statistics	statistic	NOUN
arjefm-1283	248	3	were	be	AUX
arjefm-1283	248	4	also	also	ADV
arjefm-1283	248	5	be	be	AUX
arjefm-1283	248	6	used	use	VERB
arjefm-1283	248	7	to	to	PART
arjefm-1283	248	8	measure	measure	VERB
arjefm-1283	248	9	data	datum	NOUN
arjefm-1283	248	10	distribution	distribution	NOUN
arjefm-1283	248	11	and	and	CCONJ
arjefm-1283	248	12	dispersion	dispersion	NOUN
arjefm-1283	248	13	.	.	PUNCT
arjefm-1283	249	1	hypotheses	hypothesis	NOUN
arjefm-1283	249	2	were	be	AUX
arjefm-1283	249	3	tested	test	VERB
arjefm-1283	249	4	using	use	VERB
arjefm-1283	249	5	0.05	0.05	NUM
arjefm-1283	249	6	level	level	NOUN
arjefm-1283	249	7	of	of	ADP
arjefm-1283	249	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	249	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	249	10	american	american	PROPN
arjefm-1283	249	11	research	research	PROPN
arjefm-1283	249	12	journal	journal	PROPN
arjefm-1283	249	13	of	of	ADP
arjefm-1283	249	14	economics	economic	NOUN
arjefm-1283	249	15	,	,	PUNCT
arjefm-1283	249	16	finance	finance	NOUN
arjefm-1283	249	17	and	and	CCONJ
arjefm-1283	249	18	management	management	NOUN
arjefm-1283	249	19	volume	volume	NOUN
arjefm-1283	249	20	13	13	NUM
arjefm-1283	249	21	issue	issue	NOUN
arjefm-1283	249	22	4	4	NUM
arjefm-1283	249	23	,	,	PUNCT
arjefm-1283	249	24	october	october	PROPN
arjefm-1283	249	25	-	-	PUNCT
arjefm-1283	249	26	december	december	PROPN
arjefm-1283	249	27	2025	2025	NUM
arjefm-1283	249	28	issn	issn	NOUN
arjefm-1283	249	29	:	:	PUNCT
arjefm-1283	249	30	2836	2836	NUM
arjefm-1283	249	31	-	-	SYM
arjefm-1283	249	32	9416	9416	NUM
arjefm-1283	249	33	impact	impact	NOUN
arjefm-1283	249	34	factor	factor	NOUN
arjefm-1283	249	35	:	:	PUNCT
arjefm-1283	249	36	6.41	6.41	NUM
arjefm-1283	249	37	journal	journal	NOUN
arjefm-1283	249	38	homepage	homepage	NOUN
arjefm-1283	249	39	:	:	PUNCT
arjefm-1283	249	40	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	249	41	email	email	NOUN
arjefm-1283	249	42	:	:	PUNCT
arjefm-1283	249	43	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	249	44	official	official	ADJ
arjefm-1283	249	45	journal	journal	PROPN
arjefm-1283	249	46	of	of	ADP
arjefm-1283	249	47	america	america	PROPN
arjefm-1283	249	48	serial	serial	PROPN
arjefm-1283	249	49	publication	publication	NOUN
arjefm-1283	249	50	american	american	PROPN
arjefm-1283	249	51	research	research	PROPN
arjefm-1283	249	52	journal	journal	PROPN
arjefm-1283	249	53	of	of	ADP
arjefm-1283	249	54	economics	economic	NOUN
arjefm-1283	249	55	,	,	PUNCT
arjefm-1283	249	56	finance	finance	NOUN
arjefm-1283	249	57	and	and	CCONJ
arjefm-1283	249	58	management	management	NOUN
arjefm-1283	249	59	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	249	60	,	,	PUNCT
arjefm-1283	249	61	email	email	NOUN
arjefm-1283	249	62	:	:	PUNCT
arjefm-1283	250	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	250	2	41	41	NUM
arjefm-1283	251	1	|	|	ADV
arjefm-1283	251	2	p	p	X
arjefm-1283	251	3	a	a	DET
arjefm-1283	251	4	g	g	NOUN
arjefm-1283	251	5	e	e	NOUN
arjefm-1283	251	6	significance	significance	NOUN
arjefm-1283	251	7	.	.	PUNCT
arjefm-1283	252	1	decision	decision	NOUN
arjefm-1283	252	2	rule	rule	NOUN
arjefm-1283	252	3	was	be	AUX
arjefm-1283	252	4	set	set	VERB
arjefm-1283	252	5	to	to	PART
arjefm-1283	252	6	accept	accept	VERB
arjefm-1283	252	7	the	the	DET
arjefm-1283	252	8	alternate	alternate	ADJ
arjefm-1283	252	9	hypothesis	hypothesis	NOUN
arjefm-1283	252	10	(	(	PUNCT
arjefm-1283	252	11	h0	h0	PROPN
arjefm-1283	252	12	)	)	PUNCT
arjefm-1283	253	1	if	if	SCONJ
arjefm-1283	253	2	the	the	DET
arjefm-1283	253	3	p	p	NOUN
arjefm-1283	253	4	-	-	PUNCT
arjefm-1283	253	5	value	value	NOUN
arjefm-1283	253	6	of	of	ADP
arjefm-1283	253	7	the	the	DET
arjefm-1283	253	8	tstatistic	tstatistic	NOUN
arjefm-1283	253	9	<	<	X
arjefm-1283	253	10	0.05	0.05	NUM
arjefm-1283	253	11	and	and	CCONJ
arjefm-1283	253	12	the	the	DET
arjefm-1283	253	13	modulus	modulus	NOUN
arjefm-1283	253	14	of	of	ADP
arjefm-1283	253	15	the	the	DET
arjefm-1283	253	16	t	t	NOUN
arjefm-1283	253	17	-	-	PUNCT
arjefm-1283	253	18	statistic	statistic	NOUN
arjefm-1283	253	19	>	>	X
arjefm-1283	253	20	2	2	X
arjefm-1283	253	21	.	.	PUNCT
arjefm-1283	253	22	otherwise	otherwise	ADV
arjefm-1283	253	23	,	,	PUNCT
arjefm-1283	253	24	accept	accept	VERB
arjefm-1283	253	25	the	the	DET
arjefm-1283	253	26	null	null	ADJ
arjefm-1283	253	27	hypotheses	hypothesis	NOUN
arjefm-1283	253	28	(	(	PUNCT
arjefm-1283	253	29	h0	h0	NOUN
arjefm-1283	253	30	)	)	PUNCT
arjefm-1283	253	31	.	.	PUNCT
arjefm-1283	254	1	4	4	X
arjefm-1283	254	2	.	.	X
arjefm-1283	254	3	data	datum	NOUN
arjefm-1283	254	4	analysis	analysis	NOUN
arjefm-1283	254	5	the	the	DET
arjefm-1283	254	6	data	datum	NOUN
arjefm-1283	254	7	obtained	obtain	VERB
arjefm-1283	254	8	from	from	ADP
arjefm-1283	254	9	the	the	DET
arjefm-1283	254	10	sampled	sample	VERB
arjefm-1283	254	11	banks	bank	NOUN
arjefm-1283	254	12	were	be	AUX
arjefm-1283	254	13	analyzed	analyze	VERB
arjefm-1283	254	14	using	use	VERB
arjefm-1283	254	15	panel	panel	NOUN
arjefm-1283	254	16	data	datum	NOUN
arjefm-1283	254	17	regression	regression	NOUN
arjefm-1283	254	18	analysis	analysis	NOUN
arjefm-1283	254	19	.	.	PUNCT
arjefm-1283	255	1	the	the	DET
arjefm-1283	255	2	results	result	NOUN
arjefm-1283	255	3	of	of	ADP
arjefm-1283	255	4	the	the	DET
arjefm-1283	255	5	analysis	analysis	NOUN
arjefm-1283	255	6	are	be	AUX
arjefm-1283	255	7	presented	present	VERB
arjefm-1283	255	8	in	in	ADP
arjefm-1283	255	9	tables	table	NOUN
arjefm-1283	255	10	1	1	NUM
arjefm-1283	255	11	,	,	PUNCT
arjefm-1283	255	12	2	2	NUM
arjefm-1283	255	13	and	and	CCONJ
arjefm-1283	255	14	3	3	NUM
arjefm-1283	255	15	below	below	ADV
arjefm-1283	255	16	.	.	PUNCT
arjefm-1283	256	1	table	table	NOUN
arjefm-1283	256	2	1	1	NUM
arjefm-1283	256	3	:	:	PUNCT
arjefm-1283	256	4	descriptive	descriptive	ADJ
arjefm-1283	256	5	statistics	statistic	NOUN
arjefm-1283	256	6	load	load	VERB
arjefm-1283	256	7	pdsc	pdsc	NOUN
arjefm-1283	256	8	star	star	NOUN
arjefm-1283	256	9	mean	mean	VERB
arjefm-1283	256	10	13762365	13762365	NUM
arjefm-1283	256	11	85256067	85256067	NUM
arjefm-1283	257	1	1.43e+08	1.43e+08	NUM
arjefm-1283	257	2	median	median	NOUN
arjefm-1283	257	3	14715590	14715590	NUM
arjefm-1283	257	4	22950000	22950000	NUM
arjefm-1283	257	5	1.23e+08	1.23e+08	NUM
arjefm-1283	257	6	maximum	maximum	ADJ
arjefm-1283	257	7	18140000	18140000	NUM
arjefm-1283	257	8	7.69e+08	7.69e+08	NOUN
arjefm-1283	258	1	3.92e+08	3.92e+08	NUM
arjefm-1283	258	2	minimum	minimum	ADJ
arjefm-1283	258	3	7851931	7851931	NUM
arjefm-1283	258	4	.	.	PUNCT
arjefm-1283	259	1	714100.0	714100.0	NUM
arjefm-1283	259	2	18689788	18689788	NUM
arjefm-1283	259	3	std	std	NOUN
arjefm-1283	259	4	.	.	PUNCT
arjefm-1283	259	5	dev	dev	PROPN
arjefm-1283	259	6	.	.	PROPN
arjefm-1283	259	7	2914616	2914616	NUM
arjefm-1283	259	8	.	.	PUNCT
arjefm-1283	260	1	1.72e+08	1.72e+08	NUM
arjefm-1283	260	2	88910064	88910064	NUM
arjefm-1283	260	3	skewness	skewness	NOUN
arjefm-1283	260	4	-1.366547	-1.366547	NOUN
arjefm-1283	260	5	3.148851	3.148851	NUM
arjefm-1283	260	6	2.345198	2.345198	NUM
arjefm-1283	260	7	kurtosis	kurtosis	NOUN
arjefm-1283	260	8	2.271406	2.271406	NUM
arjefm-1283	260	9	12.26109	12.26109	NUM
arjefm-1283	260	10	4.829945	4.829945	NUM
arjefm-1283	260	11	jarque	jarque	NOUN
arjefm-1283	260	12	-	-	PUNCT
arjefm-1283	260	13	bera	bera	NOUN
arjefm-1283	260	14	7.083021	7.083021	NUM
arjefm-1283	260	15	308.3457	308.3457	NUM
arjefm-1283	260	16	26.02621	26.02621	NUM
arjefm-1283	260	17	probability	probability	NOUN
arjefm-1283	260	18	0.028970	0.028970	NUM
arjefm-1283	260	19	0.000000	0.000000	NUM
arjefm-1283	260	20	0.000002	0.000002	NUM
arjefm-1283	260	21	sum	sum	NOUN
arjefm-1283	260	22	8.12e+08	8.12e+08	NUM
arjefm-1283	261	1	5.03e+09	5.03e+09	NUM
arjefm-1283	261	2	8.42e+09	8.42e+09	NUM
arjefm-1283	261	3	sum	sum	NOUN
arjefm-1283	261	4	sq	sq	PROPN
arjefm-1283	261	5	.	.	PROPN
arjefm-1283	261	6	dev	dev	PROPN
arjefm-1283	261	7	.	.	PUNCT
arjefm-1283	262	1	4.93e+14	4.93e+14	PROPN
arjefm-1283	262	2	1.72e+18	1.72e+18	NUM
arjefm-1283	262	3	4.58e+17	4.58e+17	NUM
arjefm-1283	262	4	observations	observation	NOUN
arjefm-1283	262	5	60	60	NUM
arjefm-1283	262	6	60	60	NUM
arjefm-1283	262	7	60	60	NUM
arjefm-1283	262	8	source	source	NOUN
arjefm-1283	262	9	:	:	PUNCT
arjefm-1283	262	10	eview	eview	VERB
arjefm-1283	262	11	10.0	10.0	NUM
arjefm-1283	262	12	output	output	NOUN
arjefm-1283	262	13	table1	table1	PROPN
arjefm-1283	262	14	shows	show	VERB
arjefm-1283	262	15	the	the	DET
arjefm-1283	262	16	variable	variable	ADJ
arjefm-1283	262	17	description	description	NOUN
arjefm-1283	262	18	of	of	ADP
arjefm-1283	262	19	the	the	DET
arjefm-1283	262	20	60	60	NUM
arjefm-1283	262	21	observations	observation	NOUN
arjefm-1283	262	22	of	of	ADP
arjefm-1283	262	23	the	the	DET
arjefm-1283	262	24	panel	panel	NOUN
arjefm-1283	262	25	data	datum	NOUN
arjefm-1283	262	26	of	of	ADP
arjefm-1283	262	27	the	the	DET
arjefm-1283	262	28	sampled	sample	VERB
arjefm-1283	262	29	deposit	deposit	NOUN
arjefm-1283	262	30	money	money	NOUN
arjefm-1283	262	31	banks	bank	NOUN
arjefm-1283	262	32	in	in	ADP
arjefm-1283	262	33	nigeria	nigeria	PROPN
arjefm-1283	262	34	.	.	PUNCT
arjefm-1283	263	1	from	from	ADP
arjefm-1283	263	2	the	the	DET
arjefm-1283	263	3	table	table	NOUN
arjefm-1283	263	4	,	,	PUNCT
arjefm-1283	263	5	the	the	DET
arjefm-1283	263	6	industry	industry	NOUN
arjefm-1283	263	7	’s	’s	PART
arjefm-1283	263	8	minimums	minimum	NOUN
arjefm-1283	263	9	include	include	VERB
arjefm-1283	263	10	loans	loan	NOUN
arjefm-1283	263	11	and	and	CCONJ
arjefm-1283	263	12	advances	advance	NOUN
arjefm-1283	263	13	;	;	PUNCT
arjefm-1283	263	14	₦	₦	X
arjefm-1283	263	15	7851931	7851931	NUM
arjefm-1283	263	16	,	,	PUNCT
arjefm-1283	263	17	paid	pay	VERB
arjefm-1283	263	18	-	-	PUNCT
arjefm-1283	263	19	up	up	ADP
arjefm-1283	263	20	share	share	NOUN
arjefm-1283	263	21	capital	capital	NOUN
arjefm-1283	263	22	;	;	PUNCT
arjefm-1283	263	23	₦	₦	X
arjefm-1283	263	24	714100.0	714100.0	NUM
arjefm-1283	263	25	;	;	PUNCT
arjefm-1283	263	26	and	and	CCONJ
arjefm-1283	263	27	statutory	statutory	ADJ
arjefm-1283	263	28	reserve	reserve	PROPN
arjefm-1283	263	29	:	:	PUNCT
arjefm-1283	263	30	₦	₦	X
arjefm-1283	263	31	18689788	18689788	NUM
arjefm-1283	263	32	.	.	PUNCT
arjefm-1283	264	1	however	however	ADV
arjefm-1283	264	2	,	,	PUNCT
arjefm-1283	264	3	the	the	DET
arjefm-1283	264	4	industry	industry	NOUN
arjefm-1283	264	5	’s	’s	PART
arjefm-1283	264	6	maximum	maximum	ADJ
arjefm-1283	264	7	includes	include	VERB
arjefm-1283	264	8	loans	loan	NOUN
arjefm-1283	264	9	and	and	CCONJ
arjefm-1283	264	10	advances	advance	NOUN
arjefm-1283	264	11	;	;	PUNCT
arjefm-1283	264	12	₦	₦	X
arjefm-1283	264	13	18140000	18140000	NUM
arjefm-1283	264	14	,	,	PUNCT
arjefm-1283	264	15	paid	pay	VERB
arjefm-1283	264	16	-	-	PUNCT
arjefm-1283	264	17	up	up	ADP
arjefm-1283	264	18	share	share	NOUN
arjefm-1283	264	19	capital	capital	NOUN
arjefm-1283	264	20	;	;	PUNCT
arjefm-1283	264	21	₦	₦	X
arjefm-1283	264	22	769000000	769000000	NUM
arjefm-1283	264	23	and	and	CCONJ
arjefm-1283	264	24	statutory	statutory	ADJ
arjefm-1283	264	25	reserve	reserve	PROPN
arjefm-1283	264	26	:	:	PUNCT
arjefm-1283	264	27	₦	₦	PROPN
arjefm-1283	264	28	392000000	392000000	NUM
arjefm-1283	264	29	.	.	PUNCT
arjefm-1283	265	1	the	the	DET
arjefm-1283	265	2	means	mean	NOUN
arjefm-1283	265	3	for	for	ADP
arjefm-1283	265	4	the	the	DET
arjefm-1283	265	5	variables	variable	NOUN
arjefm-1283	265	6	studied	study	VERB
arjefm-1283	265	7	are	be	AUX
arjefm-1283	265	8	loans	loan	NOUN
arjefm-1283	265	9	and	and	CCONJ
arjefm-1283	265	10	advances	advance	NOUN
arjefm-1283	265	11	;	;	PUNCT
arjefm-1283	265	12	₦	₦	X
arjefm-1283	265	13	13762365	13762365	NUM
arjefm-1283	265	14	,	,	PUNCT
arjefm-1283	265	15	paid	pay	VERB
arjefm-1283	265	16	-	-	PUNCT
arjefm-1283	265	17	up	up	ADP
arjefm-1283	265	18	share	share	NOUN
arjefm-1283	265	19	capital	capital	NOUN
arjefm-1283	265	20	;	;	PUNCT
arjefm-1283	265	21	₦	₦	X
arjefm-1283	265	22	85256067	85256067	NUM
arjefm-1283	265	23	,	,	PUNCT
arjefm-1283	265	24	and	and	CCONJ
arjefm-1283	265	25	statutory	statutory	ADJ
arjefm-1283	265	26	reserve	reserve	PROPN
arjefm-1283	265	27	:	:	PUNCT
arjefm-1283	265	28	₦	₦	X
arjefm-1283	265	29	143000000	143000000	NUM
arjefm-1283	265	30	.	.	PUNCT
arjefm-1283	266	1	the	the	DET
arjefm-1283	266	2	normality	normality	NOUN
arjefm-1283	266	3	of	of	ADP
arjefm-1283	266	4	the	the	DET
arjefm-1283	266	5	distribution	distribution	NOUN
arjefm-1283	266	6	of	of	ADP
arjefm-1283	266	7	the	the	DET
arjefm-1283	266	8	data	data	NOUN
arjefm-1283	266	9	series	series	NOUN
arjefm-1283	266	10	is	be	AUX
arjefm-1283	266	11	shown	show	VERB
arjefm-1283	266	12	by	by	ADP
arjefm-1283	266	13	the	the	DET
arjefm-1283	266	14	coefficients	coefficient	NOUN
arjefm-1283	266	15	of	of	ADP
arjefm-1283	266	16	skewness	skewness	NOUN
arjefm-1283	266	17	,	,	PUNCT
arjefm-1283	266	18	kurtosis	kurtosis	NOUN
arjefm-1283	266	19	,	,	PUNCT
arjefm-1283	266	20	and	and	CCONJ
arjefm-1283	266	21	jarque	jarque	NOUN
arjefm-1283	266	22	-	-	PUNCT
arjefm-1283	266	23	bera	bera	NOUN
arjefm-1283	266	24	probability	probability	NOUN
arjefm-1283	266	25	.	.	PUNCT
arjefm-1283	267	1	from	from	ADP
arjefm-1283	267	2	the	the	DET
arjefm-1283	267	3	table1	table1	PROPN
arjefm-1283	267	4	,	,	PUNCT
arjefm-1283	267	5	the	the	DET
arjefm-1283	267	6	probability	probability	NOUN
arjefm-1283	267	7	of	of	ADP
arjefm-1283	267	8	the	the	DET
arjefm-1283	267	9	jarque	jarque	NOUN
arjefm-1283	267	10	-	-	PUNCT
arjefm-1283	267	11	bera	bera	NOUN
arjefm-1283	267	12	statistics	statistic	NOUN
arjefm-1283	267	13	for	for	ADP
arjefm-1283	267	14	all	all	DET
arjefm-1283	267	15	the	the	DET
arjefm-1283	267	16	variables	variable	NOUN
arjefm-1283	267	17	(	(	PUNCT
arjefm-1283	267	18	focal	focal	ADJ
arjefm-1283	267	19	and	and	CCONJ
arjefm-1283	267	20	explanatory	explanatory	ADJ
arjefm-1283	267	21	)	)	PUNCT
arjefm-1283	267	22	have	have	VERB
arjefm-1283	267	23	significant	significant	ADJ
arjefm-1283	267	24	p	p	NOUN
arjefm-1283	267	25	-	-	PUNCT
arjefm-1283	267	26	values	value	NOUN
arjefm-1283	267	27	as	as	SCONJ
arjefm-1283	267	28	follows	follow	VERB
arjefm-1283	267	29	loans	loan	NOUN
arjefm-1283	267	30	and	and	CCONJ
arjefm-1283	267	31	advances	advance	NOUN
arjefm-1283	267	32	(	(	PUNCT
arjefm-1283	267	33	0.028970	0.028970	NUM
arjefm-1283	267	34	)	)	PUNCT
arjefm-1283	267	35	,	,	PUNCT
arjefm-1283	267	36	paid	pay	VERB
arjefm-1283	267	37	-	-	PUNCT
arjefm-1283	267	38	up	up	ADP
arjefm-1283	267	39	share	share	NOUN
arjefm-1283	267	40	capital	capital	NOUN
arjefm-1283	267	41	(	(	PUNCT
arjefm-1283	267	42	0.000000	0.000000	NUM
arjefm-1283	267	43	)	)	PUNCT
arjefm-1283	267	44	and	and	CCONJ
arjefm-1283	267	45	statutory	statutory	PROPN
arjefm-1283	267	46	reserve	reserve	PROPN
arjefm-1283	267	47	(	(	PUNCT
arjefm-1283	267	48	0.000002	0.000002	NUM
arjefm-1283	267	49	)	)	PUNCT
arjefm-1283	267	50	.	.	PUNCT
arjefm-1283	268	1	the	the	DET
arjefm-1283	268	2	skewness	skewness	NOUN
arjefm-1283	268	3	coefficients	coefficient	NOUN
arjefm-1283	268	4	which	which	PRON
arjefm-1283	268	5	are	be	AUX
arjefm-1283	268	6	greater	great	ADJ
arjefm-1283	268	7	than	than	ADP
arjefm-1283	268	8	one	one	NUM
arjefm-1283	268	9	for	for	ADP
arjefm-1283	268	10	the	the	DET
arjefm-1283	268	11	explanatory	explanatory	ADJ
arjefm-1283	268	12	variables	variable	NOUN
arjefm-1283	268	13	under	under	ADP
arjefm-1283	268	14	study	study	NOUN
arjefm-1283	268	15	.	.	PUNCT
arjefm-1283	269	1	the	the	DET
arjefm-1283	269	2	kurtosis	kurtosis	NOUN
arjefm-1283	269	3	coefficient	coefficient	NOUN
arjefm-1283	269	4	provides	provide	VERB
arjefm-1283	269	5	a	a	DET
arjefm-1283	269	6	second	second	ADJ
arjefm-1283	269	7	level	level	NOUN
arjefm-1283	269	8	of	of	ADP
arjefm-1283	269	9	confirmation	confirmation	NOUN
arjefm-1283	269	10	that	that	SCONJ
arjefm-1283	269	11	all	all	DET
arjefm-1283	269	12	the	the	DET
arjefm-1283	269	13	variables	variable	NOUN
arjefm-1283	269	14	are	be	AUX
arjefm-1283	269	15	abnormally	abnormally	ADV
arjefm-1283	269	16	distributed	distribute	VERB
arjefm-1283	269	17	with	with	ADP
arjefm-1283	269	18	coefficients	coefficient	NOUN
arjefm-1283	269	19	greater	great	ADJ
arjefm-1283	269	20	than	than	ADP
arjefm-1283	269	21	three	three	NUM
arjefm-1283	269	22	,	,	PUNCT
arjefm-1283	269	23	loans	loan	NOUN
arjefm-1283	269	24	and	and	CCONJ
arjefm-1283	269	25	advances	advance	NOUN
arjefm-1283	269	26	(	(	PUNCT
arjefm-1283	269	27	0.028970	0.028970	NUM
arjefm-1283	269	28	)	)	PUNCT
arjefm-1283	269	29	,	,	PUNCT
arjefm-1283	269	30	paid	pay	VERB
arjefm-1283	269	31	-	-	PUNCT
arjefm-1283	269	32	up	up	ADP
arjefm-1283	269	33	share	share	NOUN
arjefm-1283	269	34	capital	capital	NOUN
arjefm-1283	269	35	(	(	PUNCT
arjefm-1283	269	36	0.000000	0.000000	NUM
arjefm-1283	269	37	)	)	PUNCT
arjefm-1283	269	38	and	and	CCONJ
arjefm-1283	269	39	statutory	statutory	PROPN
arjefm-1283	269	40	reserve	reserve	PROPN
arjefm-1283	269	41	(	(	PUNCT
arjefm-1283	269	42	0.000002	0.000002	NUM
arjefm-1283	269	43	)	)	PUNCT
arjefm-1283	269	44	.	.	PUNCT
arjefm-1283	270	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	271	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	272	1	american	american	PROPN
arjefm-1283	272	2	research	research	PROPN
arjefm-1283	272	3	journal	journal	PROPN
arjefm-1283	272	4	of	of	ADP
arjefm-1283	272	5	economics	economic	NOUN
arjefm-1283	272	6	,	,	PUNCT
arjefm-1283	272	7	finance	finance	NOUN
arjefm-1283	272	8	and	and	CCONJ
arjefm-1283	272	9	management	management	NOUN
arjefm-1283	272	10	volume	volume	NOUN
arjefm-1283	272	11	13	13	NUM
arjefm-1283	272	12	issue	issue	NOUN
arjefm-1283	272	13	4	4	NUM
arjefm-1283	272	14	,	,	PUNCT
arjefm-1283	272	15	october	october	PROPN
arjefm-1283	272	16	-	-	PUNCT
arjefm-1283	272	17	december	december	PROPN
arjefm-1283	272	18	2025	2025	NUM
arjefm-1283	272	19	issn	issn	NOUN
arjefm-1283	272	20	:	:	PUNCT
arjefm-1283	272	21	2836	2836	NUM
arjefm-1283	272	22	-	-	SYM
arjefm-1283	272	23	9416	9416	NUM
arjefm-1283	272	24	impact	impact	NOUN
arjefm-1283	272	25	factor	factor	NOUN
arjefm-1283	272	26	:	:	PUNCT
arjefm-1283	272	27	6.41	6.41	NUM
arjefm-1283	272	28	journal	journal	NOUN
arjefm-1283	272	29	homepage	homepage	NOUN
arjefm-1283	272	30	:	:	PUNCT
arjefm-1283	272	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	272	32	email	email	NOUN
arjefm-1283	272	33	:	:	PUNCT
arjefm-1283	272	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	272	35	official	official	ADJ
arjefm-1283	272	36	journal	journal	PROPN
arjefm-1283	272	37	of	of	ADP
arjefm-1283	272	38	america	america	PROPN
arjefm-1283	272	39	serial	serial	PROPN
arjefm-1283	272	40	publication	publication	NOUN
arjefm-1283	272	41	american	american	PROPN
arjefm-1283	272	42	research	research	PROPN
arjefm-1283	272	43	journal	journal	PROPN
arjefm-1283	272	44	of	of	ADP
arjefm-1283	272	45	economics	economic	NOUN
arjefm-1283	272	46	,	,	PUNCT
arjefm-1283	272	47	finance	finance	NOUN
arjefm-1283	272	48	and	and	CCONJ
arjefm-1283	272	49	management	management	NOUN
arjefm-1283	272	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	272	51	,	,	PUNCT
arjefm-1283	272	52	email	email	NOUN
arjefm-1283	272	53	:	:	PUNCT
arjefm-1283	272	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	273	1	42	42	NUM
arjefm-1283	274	1	|	|	ADV
arjefm-1283	274	2	p	p	X
arjefm-1283	274	3	a	a	DET
arjefm-1283	274	4	g	g	NOUN
arjefm-1283	274	5	e	e	NOUN
arjefm-1283	274	6	table2	table2	NOUN
arjefm-1283	274	7	:	:	PUNCT
arjefm-1283	274	8	hausmann	hausmann	PROPN
arjefm-1283	274	9	test	test	NOUN
arjefm-1283	274	10	correlated	correlate	VERB
arjefm-1283	274	11	random	random	ADJ
arjefm-1283	274	12	effects	effect	NOUN
arjefm-1283	274	13	hausman	hausman	ADJ
arjefm-1283	274	14	test	test	NOUN
arjefm-1283	274	15	equation	equation	NOUN
arjefm-1283	274	16	:	:	PUNCT
arjefm-1283	274	17	untitled	untitled	ADJ
arjefm-1283	274	18	test	test	NOUN
arjefm-1283	274	19	cross	cross	ADJ
arjefm-1283	274	20	-	-	ADJ
arjefm-1283	274	21	section	section	ADJ
arjefm-1283	274	22	random	random	ADJ
arjefm-1283	274	23	effects	effect	NOUN
arjefm-1283	274	24	test	test	NOUN
arjefm-1283	274	25	summary	summary	NOUN
arjefm-1283	274	26	chi	chi	PROPN
arjefm-1283	274	27	-	-	PUNCT
arjefm-1283	274	28	sq	sq	PROPN
arjefm-1283	274	29	.	.	PROPN
arjefm-1283	274	30	statistic	statistic	ADJ
arjefm-1283	274	31	chi	chi	PROPN
arjefm-1283	274	32	-	-	PUNCT
arjefm-1283	274	33	sq	sq	PROPN
arjefm-1283	274	34	.	.	PUNCT
arjefm-1283	274	35	d.f	d.f	PROPN
arjefm-1283	274	36	.	.	PROPN
arjefm-1283	274	37	prob	prob	PROPN
arjefm-1283	274	38	.	.	PUNCT
arjefm-1283	275	1	cross	cross	ADJ
arjefm-1283	275	2	-	-	NOUN
arjefm-1283	275	3	section	section	ADJ
arjefm-1283	275	4	random	random	ADJ
arjefm-1283	275	5	6.569026	6.569026	NUM
arjefm-1283	275	6	2	2	NUM
arjefm-1283	275	7	0.1605	0.1605	NUM
arjefm-1283	275	8	cross	cross	ADJ
arjefm-1283	275	9	-	-	ADJ
arjefm-1283	275	10	section	section	ADJ
arjefm-1283	275	11	random	random	ADJ
arjefm-1283	275	12	effects	effect	NOUN
arjefm-1283	275	13	test	test	NOUN
arjefm-1283	275	14	comparisons	comparison	NOUN
arjefm-1283	275	15	:	:	PUNCT
arjefm-1283	275	16	variable	variable	NOUN
arjefm-1283	275	17	fixed	fix	VERB
arjefm-1283	275	18	random	random	ADJ
arjefm-1283	275	19	var(diff	var(diff	NOUN
arjefm-1283	275	20	.	.	PUNCT
arjefm-1283	275	21	)	)	PUNCT
arjefm-1283	276	1	prob	prob	NOUN
arjefm-1283	276	2	.	.	PUNCT
arjefm-1283	277	1	pdsc	pdsc	VERB
arjefm-1283	277	2	1.588068	1.588068	NUM
arjefm-1283	277	3	1.550869	1.550869	NUM
arjefm-1283	277	4	0.035097	0.035097	NUM
arjefm-1283	277	5	0.8426	0.8426	NUM
arjefm-1283	277	6	star	star	NOUN
arjefm-1283	277	7	0.012534	0.012534	NUM
arjefm-1283	277	8	-0.016318	-0.016318	VERB
arjefm-1283	277	9	0.000358	0.000358	NUM
arjefm-1283	277	10	0.1272	0.1272	NUM
arjefm-1283	277	11	source	source	NOUN
arjefm-1283	277	12	:	:	PUNCT
arjefm-1283	277	13	eviews	eviews	PROPN
arjefm-1283	277	14	10	10	NUM
arjefm-1283	277	15	output	output	NOUN
arjefm-1283	277	16	this	this	DET
arjefm-1283	277	17	hausmann	hausmann	PROPN
arjefm-1283	277	18	test	test	NOUN
arjefm-1283	277	19	was	be	AUX
arjefm-1283	277	20	conducted	conduct	VERB
arjefm-1283	277	21	to	to	PART
arjefm-1283	277	22	choose	choose	VERB
arjefm-1283	277	23	the	the	DET
arjefm-1283	277	24	appropriate	appropriate	ADJ
arjefm-1283	277	25	model	model	NOUN
arjefm-1283	277	26	between	between	ADP
arjefm-1283	277	27	the	the	DET
arjefm-1283	277	28	random	random	ADJ
arjefm-1283	277	29	effect	effect	NOUN
arjefm-1283	277	30	and	and	CCONJ
arjefm-1283	277	31	fixed	fix	VERB
arjefm-1283	277	32	effect	effect	NOUN
arjefm-1283	277	33	models	model	NOUN
arjefm-1283	277	34	.	.	PUNCT
arjefm-1283	278	1	h0	h0	NOUN
arjefm-1283	278	2	:	:	PUNCT
arjefm-1283	278	3	random	random	ADJ
arjefm-1283	278	4	effect	effect	NOUN
arjefm-1283	278	5	model	model	NOUN
arjefm-1283	278	6	is	be	AUX
arjefm-1283	278	7	the	the	DET
arjefm-1283	278	8	appropriate	appropriate	ADJ
arjefm-1283	278	9	model	model	NOUN
arjefm-1283	278	10	for	for	ADP
arjefm-1283	278	11	the	the	DET
arjefm-1283	278	12	study	study	NOUN
arjefm-1283	278	13	h1	h1	PROPN
arjefm-1283	278	14	:	:	PUNCT
arjefm-1283	278	15	fixed	fix	VERB
arjefm-1283	278	16	effect	effect	NOUN
arjefm-1283	278	17	model	model	NOUN
arjefm-1283	278	18	is	be	AUX
arjefm-1283	278	19	the	the	DET
arjefm-1283	278	20	appropriate	appropriate	ADJ
arjefm-1283	278	21	model	model	NOUN
arjefm-1283	278	22	for	for	ADP
arjefm-1283	278	23	the	the	DET
arjefm-1283	278	24	study	study	NOUN
arjefm-1283	278	25	results	result	VERB
arjefm-1283	278	26	from	from	ADP
arjefm-1283	278	27	table2	table2	PROPN
arjefm-1283	278	28	,	,	PUNCT
arjefm-1283	278	29	shows	show	VERB
arjefm-1283	278	30	that	that	SCONJ
arjefm-1283	278	31	the	the	DET
arjefm-1283	278	32	coefficient	coefficient	NOUN
arjefm-1283	278	33	of	of	ADP
arjefm-1283	278	34	the	the	DET
arjefm-1283	278	35	haussmann	haussmann	PROPN
arjefm-1283	278	36	test	test	NOUN
arjefm-1283	278	37	is	be	AUX
arjefm-1283	278	38	not	not	PART
arjefm-1283	278	39	significant	significant	ADJ
arjefm-1283	278	40	(	(	PUNCT
arjefm-1283	278	41	0.1605>0.05	0.1605>0.05	NUM
arjefm-1283	278	42	)	)	PUNCT
arjefm-1283	278	43	.	.	PUNCT
arjefm-1283	279	1	based	base	VERB
arjefm-1283	279	2	on	on	ADP
arjefm-1283	279	3	this	this	DET
arjefm-1283	279	4	result	result	NOUN
arjefm-1283	279	5	,	,	PUNCT
arjefm-1283	279	6	we	we	PRON
arjefm-1283	279	7	reject	reject	VERB
arjefm-1283	279	8	the	the	DET
arjefm-1283	279	9	null	null	ADJ
arjefm-1283	279	10	hypothesis	hypothesis	NOUN
arjefm-1283	279	11	and	and	CCONJ
arjefm-1283	279	12	accept	accept	VERB
arjefm-1283	279	13	the	the	DET
arjefm-1283	279	14	alternative	alternative	NOUN
arjefm-1283	279	15	.	.	PUNCT
arjefm-1283	280	1	hence	hence	ADV
arjefm-1283	280	2	,	,	PUNCT
arjefm-1283	280	3	fixed	fix	VERB
arjefm-1283	280	4	effect	effect	NOUN
arjefm-1283	280	5	model	model	NOUN
arjefm-1283	280	6	is	be	AUX
arjefm-1283	280	7	the	the	DET
arjefm-1283	280	8	appropriate	appropriate	ADJ
arjefm-1283	280	9	model	model	NOUN
arjefm-1283	280	10	for	for	ADP
arjefm-1283	280	11	the	the	DET
arjefm-1283	280	12	study	study	NOUN
arjefm-1283	280	13	.	.	PUNCT
arjefm-1283	281	1	table3	table3	PROPN
arjefm-1283	281	2	:	:	PUNCT
arjefm-1283	281	3	regression	regression	VERB
arjefm-1283	281	4	analysis	analysis	NOUN
arjefm-1283	281	5	result	result	VERB
arjefm-1283	281	6	dependent	dependent	ADJ
arjefm-1283	281	7	variable	variable	NOUN
arjefm-1283	281	8	:	:	PUNCT
arjefm-1283	281	9	load	load	NOUN
arjefm-1283	281	10	method	method	NOUN
arjefm-1283	281	11	:	:	PUNCT
arjefm-1283	281	12	panel	panel	NOUN
arjefm-1283	281	13	least	least	ADJ
arjefm-1283	281	14	squares	square	NOUN
arjefm-1283	281	15	date	date	NOUN
arjefm-1283	281	16	:	:	PUNCT
arjefm-1283	281	17	12/16/24	12/16/24	NUM
arjefm-1283	281	18	time	time	NOUN
arjefm-1283	281	19	:	:	PUNCT
arjefm-1283	281	20	19:35	19:35	NUM
arjefm-1283	281	21	sample	sample	NOUN
arjefm-1283	281	22	:	:	PUNCT
arjefm-1283	281	23	2015	2015	NUM
arjefm-1283	281	24	2024	2024	NUM
arjefm-1283	281	25	periods	period	NOUN
arjefm-1283	281	26	included	include	VERB
arjefm-1283	281	27	:	:	PUNCT
arjefm-1283	281	28	10	10	NUM
arjefm-1283	281	29	cross	cros	NOUN
arjefm-1283	281	30	-	-	ADJ
arjefm-1283	281	31	sections	section	NOUN
arjefm-1283	281	32	included	include	VERB
arjefm-1283	281	33	:	:	PUNCT
arjefm-1283	281	34	6	6	NUM
arjefm-1283	281	35	total	total	ADJ
arjefm-1283	281	36	panel	panel	NOUN
arjefm-1283	281	37	(	(	PUNCT
arjefm-1283	281	38	balanced	balanced	ADJ
arjefm-1283	281	39	)	)	PUNCT
arjefm-1283	281	40	observations	observation	NOUN
arjefm-1283	281	41	:	:	PUNCT
arjefm-1283	281	42	60	60	NUM
arjefm-1283	281	43	variable	variable	ADJ
arjefm-1283	281	44	coefficient	coefficient	NOUN
arjefm-1283	281	45	std	std	NOUN
arjefm-1283	281	46	.	.	NOUN
arjefm-1283	281	47	error	error	NOUN
arjefm-1283	281	48	t	t	NOUN
arjefm-1283	281	49	-	-	PUNCT
arjefm-1283	281	50	statistic	statistic	NOUN
arjefm-1283	281	51	prob	prob	NOUN
arjefm-1283	281	52	.	.	PUNCT
arjefm-1283	282	1	pdsc	pdsc	VERB
arjefm-1283	282	2	1.588068	1.588068	NUM
arjefm-1283	282	3	0.392291	0.392291	NUM
arjefm-1283	282	4	4.048190	4.048190	NUM
arjefm-1283	282	5	0.0002	0.0002	NUM
arjefm-1283	282	6	star	star	NOUN
arjefm-1283	282	7	0.012534	0.012534	NUM
arjefm-1283	282	8	0.036465	0.036465	NUM
arjefm-1283	282	9	0.343723	0.343723	NUM
arjefm-1283	282	10	0.7325	0.7325	NUM
arjefm-1283	282	11	c	c	NOUN
arjefm-1283	282	12	-3.470606	-3.470606	NOUN
arjefm-1283	283	1	3.652858	3.652858	NUM
arjefm-1283	283	2	-0.950107	-0.950107	NOUN
arjefm-1283	283	3	0.3466	0.3466	NUM
arjefm-1283	283	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	283	5	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	283	6	american	american	PROPN
arjefm-1283	283	7	research	research	PROPN
arjefm-1283	283	8	journal	journal	PROPN
arjefm-1283	283	9	of	of	ADP
arjefm-1283	283	10	economics	economic	NOUN
arjefm-1283	283	11	,	,	PUNCT
arjefm-1283	283	12	finance	finance	NOUN
arjefm-1283	283	13	and	and	CCONJ
arjefm-1283	283	14	management	management	NOUN
arjefm-1283	283	15	volume	volume	NOUN
arjefm-1283	283	16	13	13	NUM
arjefm-1283	283	17	issue	issue	NOUN
arjefm-1283	283	18	4	4	NUM
arjefm-1283	283	19	,	,	PUNCT
arjefm-1283	283	20	october	october	PROPN
arjefm-1283	283	21	-	-	PUNCT
arjefm-1283	283	22	december	december	PROPN
arjefm-1283	283	23	2025	2025	NUM
arjefm-1283	283	24	issn	issn	NOUN
arjefm-1283	283	25	:	:	PUNCT
arjefm-1283	283	26	2836	2836	NUM
arjefm-1283	283	27	-	-	SYM
arjefm-1283	283	28	9416	9416	NUM
arjefm-1283	283	29	impact	impact	NOUN
arjefm-1283	283	30	factor	factor	NOUN
arjefm-1283	283	31	:	:	PUNCT
arjefm-1283	283	32	6.41	6.41	NUM
arjefm-1283	283	33	journal	journal	NOUN
arjefm-1283	283	34	homepage	homepage	NOUN
arjefm-1283	283	35	:	:	PUNCT
arjefm-1283	283	36	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	283	37	email	email	NOUN
arjefm-1283	283	38	:	:	PUNCT
arjefm-1283	283	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	283	40	official	official	ADJ
arjefm-1283	283	41	journal	journal	PROPN
arjefm-1283	283	42	of	of	ADP
arjefm-1283	283	43	america	america	PROPN
arjefm-1283	283	44	serial	serial	PROPN
arjefm-1283	283	45	publication	publication	NOUN
arjefm-1283	283	46	american	american	PROPN
arjefm-1283	283	47	research	research	PROPN
arjefm-1283	283	48	journal	journal	PROPN
arjefm-1283	283	49	of	of	ADP
arjefm-1283	283	50	economics	economic	NOUN
arjefm-1283	283	51	,	,	PUNCT
arjefm-1283	283	52	finance	finance	NOUN
arjefm-1283	283	53	and	and	CCONJ
arjefm-1283	283	54	management	management	NOUN
arjefm-1283	283	55	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	283	56	,	,	PUNCT
arjefm-1283	283	57	email	email	NOUN
arjefm-1283	283	58	:	:	PUNCT
arjefm-1283	284	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	284	2	43	43	NUM
arjefm-1283	285	1	|	|	ADV
arjefm-1283	285	2	p	p	X
arjefm-1283	285	3	a	a	DET
arjefm-1283	285	4	g	g	NOUN
arjefm-1283	285	5	e	e	NOUN
arjefm-1283	285	6	effects	effect	NOUN
arjefm-1283	285	7	specification	specification	NOUN
arjefm-1283	285	8	cross	cross	ADJ
arjefm-1283	285	9	-	-	ADJ
arjefm-1283	285	10	section	section	NOUN
arjefm-1283	285	11	fixed	fix	VERB
arjefm-1283	285	12	(	(	PUNCT
arjefm-1283	285	13	dummy	dummy	ADJ
arjefm-1283	285	14	variables	variable	NOUN
arjefm-1283	285	15	)	)	PUNCT
arjefm-1283	285	16	r	r	X
arjefm-1283	285	17	-	-	PUNCT
arjefm-1283	285	18	squared	square	VERB
arjefm-1283	285	19	0.716616	0.716616	NUM
arjefm-1283	285	20	mean	mean	NOUN
arjefm-1283	285	21	dependent	dependent	ADJ
arjefm-1283	285	22	var	var	NOUN
arjefm-1283	285	23	8.852184	8.852184	NUM
arjefm-1283	285	24	adjusted	adjust	VERB
arjefm-1283	285	25	r	r	NOUN
arjefm-1283	285	26	-	-	PUNCT
arjefm-1283	285	27	squared	square	VERB
arjefm-1283	285	28	0.665607	0.665607	PROPN
arjefm-1283	285	29	s.d	s.d	PROPN
arjefm-1283	285	30	.	.	PUNCT
arjefm-1283	286	1	dependent	dependent	ADJ
arjefm-1283	286	2	var	var	NOUN
arjefm-1283	286	3	0.322332	0.322332	NUM
arjefm-1283	286	4	s.e	s.e	PROPN
arjefm-1283	286	5	.	.	PROPN
arjefm-1283	286	6	of	of	ADP
arjefm-1283	286	7	regression	regression	NOUN
arjefm-1283	286	8	0.186394	0.186394	NUM
arjefm-1283	286	9	akaike	akaike	ADJ
arjefm-1283	286	10	info	info	NOUN
arjefm-1283	286	11	criterion	criterion	NOUN
arjefm-1283	286	12	-0.370894	-0.370894	NOUN
arjefm-1283	286	13	sum	sum	PROPN
arjefm-1283	286	14	squared	square	VERB
arjefm-1283	286	15	resid	resid	NOUN
arjefm-1283	286	16	1.737140	1.737140	NUM
arjefm-1283	286	17	schwarz	schwarz	NOUN
arjefm-1283	286	18	criterion	criterion	NOUN
arjefm-1283	286	19	-0.021837	-0.021837	PROPN
arjefm-1283	286	20	log	log	PROPN
arjefm-1283	286	21	likelihood	likelihood	VERB
arjefm-1283	286	22	21.12683	21.12683	NUM
arjefm-1283	286	23	hannan	hannan	PROPN
arjefm-1283	286	24	-	-	PUNCT
arjefm-1283	286	25	quinn	quinn	PROPN
arjefm-1283	286	26	criter	criter	NOUN
arjefm-1283	286	27	.	.	PUNCT
arjefm-1283	287	1	-0.234359	-0.234359	VERB
arjefm-1283	288	1	f	f	X
arjefm-1283	288	2	-	-	PUNCT
arjefm-1283	288	3	statistic	statistic	ADJ
arjefm-1283	288	4	14.04880	14.04880	NUM
arjefm-1283	288	5	durbin	durbin	ADJ
arjefm-1283	288	6	-	-	PUNCT
arjefm-1283	288	7	watson	watson	NOUN
arjefm-1283	288	8	stat	stat	NOUN
arjefm-1283	288	9	0.736236	0.736236	NUM
arjefm-1283	288	10	prob(f	prob(f	NOUN
arjefm-1283	288	11	-	-	PUNCT
arjefm-1283	288	12	statistic	statistic	NOUN
arjefm-1283	288	13	)	)	PUNCT
arjefm-1283	288	14	0.000000	0.000000	NUM
arjefm-1283	288	15	source	source	NOUN
arjefm-1283	288	16	:	:	PUNCT
arjefm-1283	288	17	eviews	eviews	PROPN
arjefm-1283	288	18	10	10	NUM
arjefm-1283	288	19	output	output	NOUN
arjefm-1283	288	20	table3	table3	PROPN
arjefm-1283	288	21	reveals	reveal	VERB
arjefm-1283	288	22	that	that	SCONJ
arjefm-1283	288	23	paid	pay	VERB
arjefm-1283	288	24	-	-	PUNCT
arjefm-1283	288	25	up	up	ADP
arjefm-1283	288	26	share	share	NOUN
arjefm-1283	288	27	capital	capital	NOUN
arjefm-1283	288	28	has	have	VERB
arjefm-1283	288	29	a	a	DET
arjefm-1283	288	30	positive	positive	ADJ
arjefm-1283	288	31	(	(	PUNCT
arjefm-1283	288	32	coefficients	coefficient	NOUN
arjefm-1283	288	33	1.588068	1.588068	NUM
arjefm-1283	288	34	)	)	PUNCT
arjefm-1283	288	35	and	and	CCONJ
arjefm-1283	288	36	significant	significant	ADJ
arjefm-1283	288	37	(	(	PUNCT
arjefm-1283	288	38	pvalue	pvalue	NOUN
arjefm-1283	288	39	0.0002	0.0002	NUM
arjefm-1283	288	40	)	)	PUNCT
arjefm-1283	288	41	effect	effect	NOUN
arjefm-1283	288	42	on	on	ADP
arjefm-1283	288	43	loans	loan	NOUN
arjefm-1283	288	44	and	and	CCONJ
arjefm-1283	288	45	advances	advance	NOUN
arjefm-1283	288	46	of	of	ADP
arjefm-1283	288	47	deposit	deposit	NOUN
arjefm-1283	288	48	money	money	NOUN
arjefm-1283	288	49	banks	bank	NOUN
arjefm-1283	288	50	in	in	ADP
arjefm-1283	288	51	nigeria	nigeria	PROPN
arjefm-1283	288	52	.	.	PUNCT
arjefm-1283	289	1	retained	retain	VERB
arjefm-1283	289	2	earnings	earning	NOUN
arjefm-1283	289	3	have	have	VERB
arjefm-1283	289	4	a	a	DET
arjefm-1283	289	5	positive	positive	ADJ
arjefm-1283	289	6	(	(	PUNCT
arjefm-1283	289	7	coefficients	coefficient	NOUN
arjefm-1283	289	8	0.005284	0.005284	NUM
arjefm-1283	289	9	)	)	PUNCT
arjefm-1283	289	10	and	and	CCONJ
arjefm-1283	289	11	nonsignificant	nonsignificant	ADJ
arjefm-1283	289	12	(	(	PUNCT
arjefm-1283	289	13	p	p	NOUN
arjefm-1283	289	14	-	-	PUNCT
arjefm-1283	289	15	value	value	NOUN
arjefm-1283	289	16	0.5529	0.5529	NUM
arjefm-1283	289	17	)	)	PUNCT
arjefm-1283	289	18	effect	effect	NOUN
arjefm-1283	289	19	on	on	ADP
arjefm-1283	289	20	loans	loan	NOUN
arjefm-1283	289	21	and	and	CCONJ
arjefm-1283	289	22	advances	advance	NOUN
arjefm-1283	289	23	.	.	PUNCT
arjefm-1283	290	1	statutory	statutory	ADJ
arjefm-1283	290	2	reserves	reserve	NOUN
arjefm-1283	290	3	was	be	AUX
arjefm-1283	290	4	found	find	VERB
arjefm-1283	290	5	to	to	PART
arjefm-1283	290	6	have	have	VERB
arjefm-1283	290	7	a	a	DET
arjefm-1283	290	8	positive	positive	ADJ
arjefm-1283	290	9	(	(	PUNCT
arjefm-1283	290	10	coefficient	coefficient	NOUN
arjefm-1283	290	11	-0.012534	-0.012534	NOUN
arjefm-1283	290	12	)	)	PUNCT
arjefm-1283	290	13	and	and	CCONJ
arjefm-1283	290	14	nonsignificant	nonsignificant	ADJ
arjefm-1283	290	15	effect	effect	NOUN
arjefm-1283	290	16	(	(	PUNCT
arjefm-1283	290	17	p	p	NOUN
arjefm-1283	290	18	-	-	PUNCT
arjefm-1283	290	19	value	value	NOUN
arjefm-1283	290	20	0.7325	0.7325	NUM
arjefm-1283	290	21	)	)	PUNCT
arjefm-1283	290	22	on	on	ADP
arjefm-1283	290	23	loans	loan	NOUN
arjefm-1283	290	24	and	and	CCONJ
arjefm-1283	290	25	advances	advance	NOUN
arjefm-1283	290	26	.	.	PUNCT
arjefm-1283	291	1	the	the	DET
arjefm-1283	291	2	effect	effect	NOUN
arjefm-1283	291	3	of	of	ADP
arjefm-1283	291	4	share	share	NOUN
arjefm-1283	291	5	premium	premium	NOUN
arjefm-1283	291	6	on	on	ADP
arjefm-1283	291	7	loans	loan	NOUN
arjefm-1283	291	8	and	and	CCONJ
arjefm-1283	291	9	advances	advance	NOUN
arjefm-1283	291	10	as	as	SCONJ
arjefm-1283	291	11	revealed	reveal	VERB
arjefm-1283	291	12	by	by	ADP
arjefm-1283	291	13	the	the	DET
arjefm-1283	291	14	regression	regression	NOUN
arjefm-1283	291	15	is	be	AUX
arjefm-1283	291	16	positive	positive	ADJ
arjefm-1283	291	17	(	(	PUNCT
arjefm-1283	291	18	coefficients	coefficient	NOUN
arjefm-1283	291	19	0.110478	0.110478	NUM
arjefm-1283	291	20	)	)	PUNCT
arjefm-1283	291	21	and	and	CCONJ
arjefm-1283	291	22	nonsignificant	nonsignificant	ADJ
arjefm-1283	291	23	(	(	PUNCT
arjefm-1283	291	24	p	p	NOUN
arjefm-1283	291	25	-	-	PUNCT
arjefm-1283	291	26	value	value	NOUN
arjefm-1283	291	27	0.6643	0.6643	NUM
arjefm-1283	291	28	)	)	PUNCT
arjefm-1283	291	29	.	.	PUNCT
arjefm-1283	292	1	it	it	PRON
arjefm-1283	292	2	was	be	AUX
arjefm-1283	292	3	also	also	ADV
arjefm-1283	292	4	revealed	reveal	VERB
arjefm-1283	292	5	that	that	SCONJ
arjefm-1283	292	6	a	a	DET
arjefm-1283	292	7	change	change	NOUN
arjefm-1283	292	8	in	in	ADP
arjefm-1283	292	9	paid	pay	VERB
arjefm-1283	292	10	-	-	PUNCT
arjefm-1283	292	11	up	up	ADP
arjefm-1283	292	12	share	share	NOUN
arjefm-1283	292	13	capital	capital	NOUN
arjefm-1283	292	14	will	will	AUX
arjefm-1283	292	15	result	result	VERB
arjefm-1283	292	16	to	to	ADP
arjefm-1283	292	17	1.59	1.59	NUM
arjefm-1283	292	18	increase	increase	NOUN
arjefm-1283	292	19	in	in	ADP
arjefm-1283	292	20	loans	loan	NOUN
arjefm-1283	292	21	and	and	CCONJ
arjefm-1283	292	22	advances	advance	NOUN
arjefm-1283	292	23	of	of	ADP
arjefm-1283	292	24	deposit	deposit	NOUN
arjefm-1283	292	25	money	money	NOUN
arjefm-1283	292	26	banks	bank	NOUN
arjefm-1283	292	27	in	in	ADP
arjefm-1283	292	28	nigeria	nigeria	PROPN
arjefm-1283	292	29	.	.	PUNCT
arjefm-1283	293	1	in	in	ADP
arjefm-1283	293	2	the	the	DET
arjefm-1283	293	3	same	same	ADJ
arjefm-1283	293	4	way	way	NOUN
arjefm-1283	293	5	,	,	PUNCT
arjefm-1283	293	6	a	a	DET
arjefm-1283	293	7	change	change	NOUN
arjefm-1283	293	8	in	in	ADP
arjefm-1283	293	9	retained	retain	VERB
arjefm-1283	293	10	earnings	earning	NOUN
arjefm-1283	293	11	,	,	PUNCT
arjefm-1283	293	12	statutory	statutory	ADJ
arjefm-1283	293	13	reserves	reserve	NOUN
arjefm-1283	293	14	,	,	PUNCT
arjefm-1283	293	15	and	and	CCONJ
arjefm-1283	293	16	share	share	NOUN
arjefm-1283	293	17	premium	premium	NOUN
arjefm-1283	293	18	will	will	AUX
arjefm-1283	293	19	result	result	VERB
arjefm-1283	293	20	to	to	ADP
arjefm-1283	293	21	0.005	0.005	NUM
arjefm-1283	293	22	,	,	PUNCT
arjefm-1283	293	23	0.012	0.012	NUM
arjefm-1283	293	24	,	,	PUNCT
arjefm-1283	293	25	and	and	CCONJ
arjefm-1283	293	26	0.110	0.110	NUM
arjefm-1283	293	27	increase	increase	NOUN
arjefm-1283	293	28	in	in	ADP
arjefm-1283	293	29	loans	loan	NOUN
arjefm-1283	293	30	and	and	CCONJ
arjefm-1283	293	31	advances	advance	NOUN
arjefm-1283	293	32	of	of	ADP
arjefm-1283	293	33	deposit	deposit	NOUN
arjefm-1283	293	34	money	money	NOUN
arjefm-1283	293	35	banks	bank	NOUN
arjefm-1283	293	36	respectively	respectively	ADV
arjefm-1283	293	37	.	.	PUNCT
arjefm-1283	294	1	the	the	DET
arjefm-1283	294	2	adjusted	adjusted	ADJ
arjefm-1283	294	3	r	r	NOUN
arjefm-1283	294	4	-	-	PUNCT
arjefm-1283	294	5	squared	square	VERB
arjefm-1283	294	6	(	(	PUNCT
arjefm-1283	294	7	r2	r2	PROPN
arjefm-1283	294	8	)	)	PUNCT
arjefm-1283	294	9	indicated	indicate	VERB
arjefm-1283	294	10	that	that	SCONJ
arjefm-1283	294	11	66	66	NUM
arjefm-1283	294	12	%	%	NOUN
arjefm-1283	294	13	of	of	ADP
arjefm-1283	294	14	the	the	DET
arjefm-1283	294	15	changes	change	NOUN
arjefm-1283	294	16	in	in	ADP
arjefm-1283	294	17	loans	loan	NOUN
arjefm-1283	294	18	and	and	CCONJ
arjefm-1283	294	19	advances	advance	NOUN
arjefm-1283	294	20	of	of	ADP
arjefm-1283	294	21	deposit	deposit	NOUN
arjefm-1283	294	22	money	money	NOUN
arjefm-1283	294	23	banks	bank	NOUN
arjefm-1283	294	24	in	in	ADP
arjefm-1283	294	25	nigeria	nigeria	PROPN
arjefm-1283	294	26	is	be	AUX
arjefm-1283	294	27	explained	explain	VERB
arjefm-1283	294	28	by	by	ADP
arjefm-1283	294	29	the	the	DET
arjefm-1283	294	30	predictor	predictor	NOUN
arjefm-1283	294	31	variables	variable	NOUN
arjefm-1283	294	32	(	(	PUNCT
arjefm-1283	294	33	paid	pay	VERB
arjefm-1283	294	34	-	-	PUNCT
arjefm-1283	294	35	up	up	ADP
arjefm-1283	294	36	share	share	NOUN
arjefm-1283	294	37	capital	capital	NOUN
arjefm-1283	294	38	.	.	PUNCT
arjefm-1283	295	1	retained	retain	VERB
arjefm-1283	295	2	earnings	earning	NOUN
arjefm-1283	295	3	,	,	PUNCT
arjefm-1283	295	4	statutory	statutory	ADJ
arjefm-1283	295	5	reserves	reserve	NOUN
arjefm-1283	295	6	,	,	PUNCT
arjefm-1283	295	7	and	and	CCONJ
arjefm-1283	295	8	share	share	NOUN
arjefm-1283	295	9	premium	premium	NOUN
arjefm-1283	295	10	)	)	PUNCT
arjefm-1283	295	11	.	.	PUNCT
arjefm-1283	296	1	the	the	DET
arjefm-1283	296	2	remaining	remain	VERB
arjefm-1283	296	3	34	34	NUM
arjefm-1283	296	4	%	%	NOUN
arjefm-1283	296	5	could	could	AUX
arjefm-1283	296	6	be	be	AUX
arjefm-1283	296	7	explained	explain	VERB
arjefm-1283	296	8	by	by	ADP
arjefm-1283	296	9	other	other	ADJ
arjefm-1283	296	10	factors	factor	NOUN
arjefm-1283	296	11	capable	capable	ADJ
arjefm-1283	296	12	of	of	ADP
arjefm-1283	296	13	influencing	influence	VERB
arjefm-1283	296	14	the	the	DET
arjefm-1283	296	15	loans	loan	NOUN
arjefm-1283	296	16	and	and	CCONJ
arjefm-1283	296	17	advances	advance	NOUN
arjefm-1283	296	18	of	of	ADP
arjefm-1283	296	19	deposit	deposit	NOUN
arjefm-1283	296	20	money	money	NOUN
arjefm-1283	296	21	banks	bank	NOUN
arjefm-1283	296	22	in	in	ADP
arjefm-1283	296	23	nigeria	nigeria	PROPN
arjefm-1283	296	24	and	and	CCONJ
arjefm-1283	296	25	other	other	ADJ
arjefm-1283	296	26	remote	remote	ADJ
arjefm-1283	296	27	factors	factor	NOUN
arjefm-1283	296	28	captured	capture	VERB
arjefm-1283	296	29	by	by	ADP
arjefm-1283	296	30	the	the	DET
arjefm-1283	296	31	error	error	NOUN
arjefm-1283	296	32	term	term	NOUN
arjefm-1283	296	33	.	.	PUNCT
arjefm-1283	297	1	the	the	DET
arjefm-1283	297	2	probability	probability	NOUN
arjefm-1283	297	3	of	of	ADP
arjefm-1283	297	4	the	the	DET
arjefm-1283	297	5	f	f	NOUN
arjefm-1283	297	6	-	-	PUNCT
arjefm-1283	297	7	statistic	statistic	NOUN
arjefm-1283	297	8	is	be	AUX
arjefm-1283	297	9	significant	significant	ADJ
arjefm-1283	297	10	(	(	PUNCT
arjefm-1283	297	11	prob	prob	NOUN
arjefm-1283	297	12	fstatistic	fstatistic	NOUN
arjefm-1283	297	13	0.00000	0.00000	NUM
arjefm-1283	297	14	)	)	PUNCT
arjefm-1283	297	15	which	which	PRON
arjefm-1283	297	16	shows	show	VERB
arjefm-1283	297	17	the	the	DET
arjefm-1283	297	18	statistical	statistical	ADJ
arjefm-1283	297	19	fitness	fitness	NOUN
arjefm-1283	297	20	of	of	ADP
arjefm-1283	297	21	the	the	DET
arjefm-1283	297	22	multiple	multiple	ADJ
arjefm-1283	297	23	regression	regression	NOUN
arjefm-1283	297	24	model	model	NOUN
arjefm-1283	297	25	and	and	CCONJ
arjefm-1283	297	26	the	the	DET
arjefm-1283	297	27	results	result	NOUN
arjefm-1283	297	28	,	,	PUNCT
arjefm-1283	297	29	by	by	ADP
arjefm-1283	297	30	extension	extension	NOUN
arjefm-1283	297	31	.	.	PUNCT
arjefm-1283	298	1	there	there	PRON
arjefm-1283	298	2	is	be	VERB
arjefm-1283	298	3	a	a	DET
arjefm-1283	298	4	positive	positive	ADJ
arjefm-1283	298	5	serial	serial	ADJ
arjefm-1283	298	6	autocorrelation	autocorrelation	NOUN
arjefm-1283	298	7	in	in	ADP
arjefm-1283	298	8	the	the	DET
arjefm-1283	298	9	time	time	NOUN
arjefm-1283	298	10	series	series	PROPN
arjefm-1283	298	11	data	datum	NOUN
arjefm-1283	298	12	extracted	extract	VERB
arjefm-1283	298	13	from	from	ADP
arjefm-1283	298	14	annual	annual	ADJ
arjefm-1283	298	15	reports	report	NOUN
arjefm-1283	298	16	and	and	CCONJ
arjefm-1283	298	17	accounts	account	NOUN
arjefm-1283	298	18	of	of	ADP
arjefm-1283	298	19	deposit	deposit	NOUN
arjefm-1283	298	20	money	money	NOUN
arjefm-1283	298	21	banks	bank	NOUN
arjefm-1283	298	22	in	in	ADP
arjefm-1283	298	23	nigeria	nigeria	PROPN
arjefm-1283	298	24	as	as	SCONJ
arjefm-1283	298	25	suggested	suggest	VERB
arjefm-1283	298	26	by	by	ADP
arjefm-1283	298	27	durbin	durbin	ADJ
arjefm-1283	298	28	-	-	PUNCT
arjefm-1283	298	29	watson	watson	NOUN
arjefm-1283	298	30	stat	stat	NOUN
arjefm-1283	298	31	of	of	ADP
arjefm-1283	298	32	0.736	0.736	NUM
arjefm-1283	298	33	.	.	PUNCT
arjefm-1283	299	1	4.3	4.3	NUM
arjefm-1283	299	2	test	test	NOUN
arjefm-1283	299	3	of	of	ADP
arjefm-1283	299	4	hypotheses	hypothesis	NOUN
arjefm-1283	299	5	hypothesis	hypothesis	NOUN
arjefm-1283	299	6	one	one	NUM
arjefm-1283	299	7	decision	decision	NOUN
arjefm-1283	299	8	:	:	PUNCT
arjefm-1283	299	9	from	from	ADP
arjefm-1283	299	10	the	the	DET
arjefm-1283	299	11	panel	panel	NOUN
arjefm-1283	299	12	regression	regression	VERB
arjefm-1283	299	13	analysis	analysis	NOUN
arjefm-1283	299	14	in	in	ADP
arjefm-1283	299	15	table3	table3	PROPN
arjefm-1283	299	16	,	,	PUNCT
arjefm-1283	299	17	the	the	DET
arjefm-1283	299	18	p	p	NOUN
arjefm-1283	299	19	-	-	PUNCT
arjefm-1283	299	20	value	value	NOUN
arjefm-1283	299	21	of	of	ADP
arjefm-1283	299	22	0.0002	0.0002	NUM
arjefm-1283	299	23	is	be	AUX
arjefm-1283	299	24	<	<	X
arjefm-1283	299	25	0.05	0.05	NUM
arjefm-1283	299	26	and	and	CCONJ
arjefm-1283	299	27	the	the	DET
arjefm-1283	299	28	tstatistic	tstatistic	NOUN
arjefm-1283	299	29	of	of	ADP
arjefm-1283	299	30	4.048190	4.048190	NUM
arjefm-1283	299	31	is	be	AUX
arjefm-1283	299	32	>	>	X
arjefm-1283	299	33	2	2	NUM
arjefm-1283	299	34	.	.	PUNCT
arjefm-1283	300	1	therefore	therefore	ADV
arjefm-1283	300	2	,	,	PUNCT
arjefm-1283	300	3	the	the	DET
arjefm-1283	300	4	null	null	ADJ
arjefm-1283	300	5	hypothesis	hypothesis	NOUN
arjefm-1283	300	6	is	be	AUX
arjefm-1283	300	7	rejected	reject	VERB
arjefm-1283	300	8	and	and	CCONJ
arjefm-1283	300	9	the	the	DET
arjefm-1283	300	10	alternate	alternate	ADJ
arjefm-1283	300	11	hypotheses	hypothesis	NOUN
arjefm-1283	300	12	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	300	13	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	300	14	american	american	PROPN
arjefm-1283	300	15	research	research	PROPN
arjefm-1283	300	16	journal	journal	PROPN
arjefm-1283	300	17	of	of	ADP
arjefm-1283	300	18	economics	economic	NOUN
arjefm-1283	300	19	,	,	PUNCT
arjefm-1283	300	20	finance	finance	NOUN
arjefm-1283	300	21	and	and	CCONJ
arjefm-1283	300	22	management	management	NOUN
arjefm-1283	300	23	volume	volume	NOUN
arjefm-1283	300	24	13	13	NUM
arjefm-1283	300	25	issue	issue	NOUN
arjefm-1283	300	26	4	4	NUM
arjefm-1283	300	27	,	,	PUNCT
arjefm-1283	300	28	october	october	PROPN
arjefm-1283	300	29	-	-	PUNCT
arjefm-1283	300	30	december	december	PROPN
arjefm-1283	300	31	2025	2025	NUM
arjefm-1283	300	32	issn	issn	NOUN
arjefm-1283	300	33	:	:	PUNCT
arjefm-1283	300	34	2836	2836	NUM
arjefm-1283	300	35	-	-	SYM
arjefm-1283	300	36	9416	9416	NUM
arjefm-1283	300	37	impact	impact	NOUN
arjefm-1283	300	38	factor	factor	NOUN
arjefm-1283	300	39	:	:	PUNCT
arjefm-1283	300	40	6.41	6.41	NUM
arjefm-1283	300	41	journal	journal	NOUN
arjefm-1283	300	42	homepage	homepage	NOUN
arjefm-1283	300	43	:	:	PUNCT
arjefm-1283	300	44	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	300	45	email	email	NOUN
arjefm-1283	300	46	:	:	PUNCT
arjefm-1283	300	47	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	300	48	official	official	ADJ
arjefm-1283	300	49	journal	journal	PROPN
arjefm-1283	300	50	of	of	ADP
arjefm-1283	300	51	america	america	PROPN
arjefm-1283	300	52	serial	serial	PROPN
arjefm-1283	300	53	publication	publication	NOUN
arjefm-1283	300	54	american	american	PROPN
arjefm-1283	300	55	research	research	PROPN
arjefm-1283	300	56	journal	journal	PROPN
arjefm-1283	300	57	of	of	ADP
arjefm-1283	300	58	economics	economic	NOUN
arjefm-1283	300	59	,	,	PUNCT
arjefm-1283	300	60	finance	finance	NOUN
arjefm-1283	300	61	and	and	CCONJ
arjefm-1283	300	62	management	management	NOUN
arjefm-1283	300	63	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	300	64	,	,	PUNCT
arjefm-1283	300	65	email	email	NOUN
arjefm-1283	300	66	:	:	PUNCT
arjefm-1283	300	67	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	300	68	44	44	NUM
arjefm-1283	301	1	|	|	ADV
arjefm-1283	301	2	p	p	NOUN
arjefm-1283	301	3	a	a	DET
arjefm-1283	301	4	g	g	NOUN
arjefm-1283	301	5	e	e	NOUN
arjefm-1283	301	6	accepted	accept	VERB
arjefm-1283	301	7	.	.	PUNCT
arjefm-1283	302	1	this	this	PRON
arjefm-1283	302	2	implies	imply	VERB
arjefm-1283	302	3	that	that	SCONJ
arjefm-1283	302	4	paid	pay	VERB
arjefm-1283	302	5	-	-	PUNCT
arjefm-1283	302	6	up	up	ADP
arjefm-1283	302	7	share	share	NOUN
arjefm-1283	302	8	capital	capital	NOUN
arjefm-1283	302	9	have	have	VERB
arjefm-1283	302	10	a	a	DET
arjefm-1283	302	11	significant	significant	ADJ
arjefm-1283	302	12	effect	effect	NOUN
arjefm-1283	302	13	on	on	ADP
arjefm-1283	302	14	loan	loan	NOUN
arjefm-1283	302	15	and	and	CCONJ
arjefm-1283	302	16	advances	advance	NOUN
arjefm-1283	302	17	of	of	ADP
arjefm-1283	302	18	deposit	deposit	NOUN
arjefm-1283	302	19	money	money	NOUN
arjefm-1283	302	20	banks	bank	NOUN
arjefm-1283	302	21	in	in	ADP
arjefm-1283	302	22	nigeria	nigeria	PROPN
arjefm-1283	302	23	.	.	PUNCT
arjefm-1283	303	1	hypothesis	hypothesis	NOUN
arjefm-1283	303	2	two	two	NUM
arjefm-1283	303	3	decision	decision	NOUN
arjefm-1283	303	4	:	:	PUNCT
arjefm-1283	303	5	from	from	ADP
arjefm-1283	303	6	the	the	DET
arjefm-1283	303	7	panel	panel	NOUN
arjefm-1283	303	8	regression	regression	VERB
arjefm-1283	303	9	analysis	analysis	NOUN
arjefm-1283	303	10	in	in	ADP
arjefm-1283	303	11	table3	table3	PROPN
arjefm-1283	303	12	,	,	PUNCT
arjefm-1283	303	13	the	the	DET
arjefm-1283	303	14	p	p	NOUN
arjefm-1283	303	15	-	-	PUNCT
arjefm-1283	303	16	value	value	NOUN
arjefm-1283	303	17	of	of	ADP
arjefm-1283	303	18	0.7325	0.7325	PROPN
arjefm-1283	303	19	>	>	X
arjefm-1283	303	20	0.05	0.05	NUM
arjefm-1283	303	21	and	and	CCONJ
arjefm-1283	303	22	the	the	DET
arjefm-1283	303	23	tstatistic	tstatistic	NOUN
arjefm-1283	303	24	of	of	ADP
arjefm-1283	303	25	0.343723	0.343723	NUM
arjefm-1283	303	26	<	<	X
arjefm-1283	303	27	2	2	NUM
arjefm-1283	303	28	.	.	PUNCT
arjefm-1283	304	1	therefore	therefore	ADV
arjefm-1283	304	2	,	,	PUNCT
arjefm-1283	304	3	the	the	DET
arjefm-1283	304	4	null	null	ADJ
arjefm-1283	304	5	hypothesis	hypothesis	NOUN
arjefm-1283	304	6	is	be	AUX
arjefm-1283	304	7	accepted	accept	VERB
arjefm-1283	304	8	and	and	CCONJ
arjefm-1283	304	9	the	the	DET
arjefm-1283	304	10	alternate	alternate	ADJ
arjefm-1283	304	11	hypotheses	hypothesis	NOUN
arjefm-1283	304	12	rejected	reject	VERB
arjefm-1283	304	13	.	.	PUNCT
arjefm-1283	305	1	this	this	PRON
arjefm-1283	305	2	implies	imply	VERB
arjefm-1283	305	3	that	that	SCONJ
arjefm-1283	305	4	statutory	statutory	PROPN
arjefm-1283	305	5	reserve	reserve	NOUN
arjefm-1283	305	6	does	do	AUX
arjefm-1283	305	7	not	not	PART
arjefm-1283	305	8	have	have	VERB
arjefm-1283	305	9	a	a	DET
arjefm-1283	305	10	significant	significant	ADJ
arjefm-1283	305	11	effect	effect	NOUN
arjefm-1283	305	12	on	on	ADP
arjefm-1283	305	13	loan	loan	NOUN
arjefm-1283	305	14	and	and	CCONJ
arjefm-1283	305	15	advances	advance	NOUN
arjefm-1283	305	16	of	of	ADP
arjefm-1283	305	17	deposit	deposit	NOUN
arjefm-1283	305	18	money	money	NOUN
arjefm-1283	305	19	banks	bank	NOUN
arjefm-1283	305	20	in	in	ADP
arjefm-1283	305	21	nigeria	nigeria	PROPN
arjefm-1283	305	22	.	.	PUNCT
arjefm-1283	306	1	discussion	discussion	NOUN
arjefm-1283	306	2	of	of	ADP
arjefm-1283	306	3	findings	finding	NOUN
arjefm-1283	306	4	paid	pay	VERB
arjefm-1283	306	5	-	-	PUNCT
arjefm-1283	306	6	up	up	ADP
arjefm-1283	306	7	share	share	NOUN
arjefm-1283	306	8	capital	capital	NOUN
arjefm-1283	306	9	and	and	CCONJ
arjefm-1283	306	10	loan	loan	NOUN
arjefm-1283	306	11	and	and	CCONJ
arjefm-1283	306	12	advances	advance	VERB
arjefm-1283	306	13	the	the	DET
arjefm-1283	306	14	result	result	NOUN
arjefm-1283	306	15	of	of	ADP
arjefm-1283	306	16	test	test	NOUN
arjefm-1283	306	17	of	of	ADP
arjefm-1283	306	18	hypothesis	hypothesis	NOUN
arjefm-1283	306	19	one	one	NUM
arjefm-1283	306	20	revealed	reveal	VERB
arjefm-1283	306	21	that	that	SCONJ
arjefm-1283	306	22	paid	pay	VERB
arjefm-1283	306	23	-	-	PUNCT
arjefm-1283	306	24	up	up	ADP
arjefm-1283	306	25	share	share	NOUN
arjefm-1283	306	26	capital	capital	NOUN
arjefm-1283	306	27	have	have	VERB
arjefm-1283	306	28	a	a	DET
arjefm-1283	306	29	positive	positive	ADJ
arjefm-1283	306	30	and	and	CCONJ
arjefm-1283	306	31	significant	significant	ADJ
arjefm-1283	306	32	effect	effect	NOUN
arjefm-1283	306	33	on	on	ADP
arjefm-1283	306	34	loans	loan	NOUN
arjefm-1283	306	35	and	and	CCONJ
arjefm-1283	306	36	advances	advance	NOUN
arjefm-1283	306	37	of	of	ADP
arjefm-1283	306	38	deposit	deposit	NOUN
arjefm-1283	306	39	money	money	NOUN
arjefm-1283	306	40	banks	bank	NOUN
arjefm-1283	306	41	in	in	ADP
arjefm-1283	306	42	nigeria	nigeria	PROPN
arjefm-1283	306	43	.	.	PUNCT
arjefm-1283	307	1	the	the	DET
arjefm-1283	307	2	implication	implication	NOUN
arjefm-1283	307	3	of	of	ADP
arjefm-1283	307	4	this	this	DET
arjefm-1283	307	5	finding	finding	NOUN
arjefm-1283	307	6	is	be	AUX
arjefm-1283	307	7	that	that	SCONJ
arjefm-1283	307	8	the	the	PRON
arjefm-1283	307	9	more	more	ADJ
arjefm-1283	307	10	the	the	DET
arjefm-1283	307	11	banks	bank	NOUN
arjefm-1283	307	12	are	be	AUX
arjefm-1283	307	13	adequate	adequate	ADJ
arjefm-1283	307	14	capitalization	capitalization	NOUN
arjefm-1283	307	15	,	,	PUNCT
arjefm-1283	307	16	the	the	PRON
arjefm-1283	307	17	more	more	ADV
arjefm-1283	307	18	they	they	PRON
arjefm-1283	307	19	are	be	AUX
arjefm-1283	307	20	able	able	ADJ
arjefm-1283	307	21	to	to	PART
arjefm-1283	307	22	advance	advance	VERB
arjefm-1283	307	23	loans	loan	NOUN
arjefm-1283	307	24	and	and	CCONJ
arjefm-1283	307	25	advances	advance	NOUN
arjefm-1283	307	26	to	to	ADP
arjefm-1283	307	27	their	their	PRON
arjefm-1283	307	28	clients	client	NOUN
arjefm-1283	307	29	,	,	PUNCT
arjefm-1283	307	30	thereby	thereby	ADV
arjefm-1283	307	31	increasing	increase	VERB
arjefm-1283	307	32	the	the	DET
arjefm-1283	307	33	profitability	profitability	NOUN
arjefm-1283	307	34	of	of	ADP
arjefm-1283	307	35	the	the	DET
arjefm-1283	307	36	banks	bank	NOUN
arjefm-1283	307	37	.	.	PUNCT
arjefm-1283	308	1	the	the	DET
arjefm-1283	308	2	result	result	NOUN
arjefm-1283	308	3	is	be	AUX
arjefm-1283	308	4	consistent	consistent	ADJ
arjefm-1283	308	5	with	with	ADP
arjefm-1283	308	6	buffer	buffer	NOUN
arjefm-1283	308	7	theory	theory	NOUN
arjefm-1283	308	8	of	of	ADP
arjefm-1283	308	9	capital	capital	NOUN
arjefm-1283	308	10	adequacy	adequacy	NOUN
arjefm-1283	308	11	propounded	propound	VERB
arjefm-1283	308	12	by	by	ADP
arjefm-1283	308	13	calem	calem	PROPN
arjefm-1283	308	14	&	&	CCONJ
arjefm-1283	308	15	rob	rob	PROPN
arjefm-1283	308	16	in	in	ADP
arjefm-1283	308	17	1996	1996	NUM
arjefm-1283	308	18	.	.	PUNCT
arjefm-1283	309	1	the	the	DET
arjefm-1283	309	2	theory	theory	NOUN
arjefm-1283	309	3	postulates	postulate	VERB
arjefm-1283	309	4	that	that	SCONJ
arjefm-1283	309	5	capital	capital	NOUN
arjefm-1283	309	6	is	be	AUX
arjefm-1283	309	7	more	more	ADV
arjefm-1283	309	8	reliable	reliable	ADJ
arjefm-1283	309	9	,	,	PUNCT
arjefm-1283	309	10	dependable	dependable	ADJ
arjefm-1283	309	11	and	and	CCONJ
arjefm-1283	309	12	can	can	AUX
arjefm-1283	309	13	be	be	AUX
arjefm-1283	309	14	used	use	VERB
arjefm-1283	309	15	for	for	ADP
arjefm-1283	309	16	long	long	ADJ
arjefm-1283	309	17	term	term	NOUN
arjefm-1283	309	18	planning	planning	NOUN
arjefm-1283	309	19	.	.	PUNCT
arjefm-1283	310	1	more	more	ADJ
arjefm-1283	310	2	capital	capital	NOUN
arjefm-1283	310	3	tends	tend	VERB
arjefm-1283	310	4	to	to	PART
arjefm-1283	310	5	absorb	absorb	VERB
arjefm-1283	310	6	adverse	adverse	ADJ
arjefm-1283	310	7	shocks	shock	NOUN
arjefm-1283	310	8	and	and	CCONJ
arjefm-1283	310	9	thus	thus	ADV
arjefm-1283	310	10	reduces	reduce	VERB
arjefm-1283	310	11	the	the	DET
arjefm-1283	310	12	likelihood	likelihood	NOUN
arjefm-1283	310	13	of	of	ADP
arjefm-1283	310	14	bank	bank	NOUN
arjefm-1283	310	15	failure	failure	NOUN
arjefm-1283	310	16	.	.	PUNCT
arjefm-1283	311	1	this	this	DET
arjefm-1283	311	2	result	result	NOUN
arjefm-1283	311	3	is	be	AUX
arjefm-1283	311	4	also	also	ADV
arjefm-1283	311	5	in	in	ADP
arjefm-1283	311	6	tandem	tandem	NOUN
arjefm-1283	311	7	with	with	ADP
arjefm-1283	311	8	the	the	DET
arjefm-1283	311	9	finding	finding	NOUN
arjefm-1283	311	10	of	of	ADP
arjefm-1283	311	11	gambacorta	gambacorta	PROPN
arjefm-1283	311	12	&	&	CCONJ
arjefm-1283	311	13	shin	shin	PROPN
arjefm-1283	311	14	(	(	PUNCT
arjefm-1283	311	15	2016	2016	NUM
arjefm-1283	311	16	)	)	PUNCT
arjefm-1283	311	17	who	who	PRON
arjefm-1283	311	18	conducted	conduct	VERB
arjefm-1283	311	19	a	a	DET
arjefm-1283	311	20	study	study	NOUN
arjefm-1283	311	21	to	to	PART
arjefm-1283	311	22	find	find	VERB
arjefm-1283	311	23	out	out	ADP
arjefm-1283	311	24	if	if	SCONJ
arjefm-1283	311	25	greater	great	ADJ
arjefm-1283	311	26	amount	amount	NOUN
arjefm-1283	311	27	of	of	ADP
arjefm-1283	311	28	capital	capital	NOUN
arjefm-1283	311	29	(	(	PUNCT
arjefm-1283	311	30	lower	low	ADJ
arjefm-1283	311	31	leverage	leverage	NOUN
arjefm-1283	311	32	ratio	ratio	NOUN
arjefm-1283	311	33	,	,	PUNCT
arjefm-1283	311	34	defined	define	VERB
arjefm-1283	311	35	as	as	ADP
arjefm-1283	311	36	total	total	ADJ
arjefm-1283	311	37	assets	asset	NOUN
arjefm-1283	311	38	over	over	ADP
arjefm-1283	311	39	equity	equity	NOUN
arjefm-1283	311	40	)	)	PUNCT
arjefm-1283	311	41	induce	induce	VERB
arjefm-1283	311	42	banks	bank	NOUN
arjefm-1283	311	43	to	to	PART
arjefm-1283	311	44	lend	lend	VERB
arjefm-1283	311	45	more	more	ADJ
arjefm-1283	311	46	.	.	PUNCT
arjefm-1283	312	1	the	the	DET
arjefm-1283	312	2	researchers	researcher	NOUN
arjefm-1283	312	3	found	find	VERB
arjefm-1283	312	4	out	out	ADP
arjefm-1283	312	5	that	that	SCONJ
arjefm-1283	312	6	banks	bank	NOUN
arjefm-1283	312	7	with	with	ADP
arjefm-1283	312	8	higher	high	ADJ
arjefm-1283	312	9	capital	capital	NOUN
arjefm-1283	312	10	have	have	VERB
arjefm-1283	312	11	higher	high	ADJ
arjefm-1283	312	12	lending	lending	NOUN
arjefm-1283	312	13	growth	growth	NOUN
arjefm-1283	312	14	.	.	PUNCT
arjefm-1283	313	1	it	it	PRON
arjefm-1283	313	2	also	also	ADV
arjefm-1283	313	3	aligns	align	VERB
arjefm-1283	313	4	with	with	ADP
arjefm-1283	313	5	the	the	DET
arjefm-1283	313	6	findings	finding	NOUN
arjefm-1283	313	7	of	of	ADP
arjefm-1283	313	8	ayaydin	ayaydin	NOUN
arjefm-1283	313	9	,	,	PUNCT
arjefm-1283	313	10	and	and	CCONJ
arjefm-1283	313	11	karakaya	karakaya	NOUN
arjefm-1283	313	12	(	(	PUNCT
arjefm-1283	313	13	2014	2014	NUM
arjefm-1283	313	14	)	)	PUNCT
arjefm-1283	313	15	who	who	PRON
arjefm-1283	313	16	evaluated	evaluate	VERB
arjefm-1283	313	17	the	the	DET
arjefm-1283	313	18	effect	effect	NOUN
arjefm-1283	313	19	of	of	ADP
arjefm-1283	313	20	bank	bank	NOUN
arjefm-1283	313	21	capital	capital	NOUN
arjefm-1283	313	22	on	on	ADP
arjefm-1283	313	23	profitability	profitability	NOUN
arjefm-1283	313	24	and	and	CCONJ
arjefm-1283	313	25	risk	risk	NOUN
arjefm-1283	313	26	in	in	ADP
arjefm-1283	313	27	turkish	turkish	ADJ
arjefm-1283	313	28	banks	bank	NOUN
arjefm-1283	313	29	and	and	CCONJ
arjefm-1283	313	30	observed	observe	VERB
arjefm-1283	313	31	a	a	DET
arjefm-1283	313	32	positive	positive	ADJ
arjefm-1283	313	33	relation	relation	NOUN
arjefm-1283	313	34	between	between	ADP
arjefm-1283	313	35	the	the	DET
arjefm-1283	313	36	capital	capital	NOUN
arjefm-1283	313	37	and	and	CCONJ
arjefm-1283	313	38	profitability	profitability	NOUN
arjefm-1283	313	39	.	.	PUNCT
arjefm-1283	314	1	it	it	PRON
arjefm-1283	314	2	further	far	ADV
arjefm-1283	314	3	supports	support	VERB
arjefm-1283	314	4	the	the	DET
arjefm-1283	314	5	findings	finding	NOUN
arjefm-1283	314	6	of	of	ADP
arjefm-1283	314	7	ezike	ezike	ADJ
arjefm-1283	314	8	and	and	CCONJ
arjefm-1283	314	9	oke	oke	NOUN
arjefm-1283	314	10	(	(	PUNCT
arjefm-1283	314	11	2013	2013	NUM
arjefm-1283	314	12	)	)	PUNCT
arjefm-1283	314	13	who	who	PRON
arjefm-1283	314	14	analyzed	analyze	VERB
arjefm-1283	314	15	capital	capital	NOUN
arjefm-1283	314	16	adequacy	adequacy	NOUN
arjefm-1283	314	17	standards	standard	NOUN
arjefm-1283	314	18	,	,	PUNCT
arjefm-1283	314	19	basle	basle	PROPN
arjefm-1283	314	20	accord	accord	NOUN
arjefm-1283	314	21	and	and	CCONJ
arjefm-1283	314	22	the	the	DET
arjefm-1283	314	23	performance	performance	NOUN
arjefm-1283	314	24	of	of	ADP
arjefm-1283	314	25	nigerian	nigerian	ADJ
arjefm-1283	314	26	banks	bank	NOUN
arjefm-1283	314	27	and	and	CCONJ
arjefm-1283	314	28	found	find	VERB
arjefm-1283	314	29	that	that	SCONJ
arjefm-1283	314	30	capital	capital	NOUN
arjefm-1283	314	31	adequacy	adequacy	NOUN
arjefm-1283	314	32	standards	standard	NOUN
arjefm-1283	314	33	,	,	PUNCT
arjefm-1283	314	34	exert	exert	VERB
arjefm-1283	314	35	a	a	DET
arjefm-1283	314	36	major	major	ADJ
arjefm-1283	314	37	influence	influence	NOUN
arjefm-1283	314	38	on	on	ADP
arjefm-1283	314	39	bank	bank	NOUN
arjefm-1283	314	40	performance	performance	NOUN
arjefm-1283	314	41	.	.	PUNCT
arjefm-1283	315	1	bridges	bridge	NOUN
arjefm-1283	315	2	,	,	PUNCT
arjefm-1283	315	3	gregory	gregory	PROPN
arjefm-1283	315	4	,	,	PUNCT
arjefm-1283	315	5	nielsen	nielsen	PROPN
arjefm-1283	315	6	,	,	PUNCT
arjefm-1283	315	7	pezzini	pezzini	PROPN
arjefm-1283	315	8	,	,	PUNCT
arjefm-1283	315	9	radia	radia	NOUN
arjefm-1283	315	10	,	,	PUNCT
arjefm-1283	315	11	and	and	CCONJ
arjefm-1283	315	12	spaltro	spaltro	VERB
arjefm-1283	315	13	(	(	PUNCT
arjefm-1283	315	14	2014	2014	NUM
arjefm-1283	315	15	)	)	PUNCT
arjefm-1283	315	16	also	also	ADV
arjefm-1283	315	17	made	make	VERB
arjefm-1283	315	18	similar	similar	ADJ
arjefm-1283	315	19	findings	finding	NOUN
arjefm-1283	315	20	when	when	SCONJ
arjefm-1283	315	21	the	the	DET
arjefm-1283	315	22	researchers	researcher	NOUN
arjefm-1283	315	23	explored	explore	VERB
arjefm-1283	315	24	the	the	DET
arjefm-1283	315	25	effect	effect	NOUN
arjefm-1283	315	26	of	of	ADP
arjefm-1283	315	27	changes	change	NOUN
arjefm-1283	315	28	in	in	ADP
arjefm-1283	315	29	micro	micro	PROPN
arjefm-1283	315	30	prudential	prudential	PROPN
arjefm-1283	315	31	regulatory	regulatory	ADJ
arjefm-1283	315	32	capital	capital	NOUN
arjefm-1283	315	33	requirements	requirement	NOUN
arjefm-1283	315	34	on	on	ADP
arjefm-1283	315	35	bank	bank	NOUN
arjefm-1283	315	36	capital	capital	NOUN
arjefm-1283	315	37	ratios	ratio	NOUN
arjefm-1283	315	38	and	and	CCONJ
arjefm-1283	315	39	bank	bank	NOUN
arjefm-1283	315	40	lending	lending	NOUN
arjefm-1283	315	41	in	in	ADP
arjefm-1283	315	42	uk	uk	PROPN
arjefm-1283	315	43	.	.	PUNCT
arjefm-1283	316	1	the	the	DET
arjefm-1283	316	2	researchers	researcher	NOUN
arjefm-1283	316	3	found	find	VERB
arjefm-1283	316	4	that	that	SCONJ
arjefm-1283	316	5	capital	capital	NOUN
arjefm-1283	316	6	requirements	requirement	NOUN
arjefm-1283	316	7	affect	affect	VERB
arjefm-1283	316	8	lending	lend	VERB
arjefm-1283	316	9	with	with	ADP
arjefm-1283	316	10	heterogeneous	heterogeneous	ADJ
arjefm-1283	316	11	responses	response	NOUN
arjefm-1283	316	12	in	in	ADP
arjefm-1283	316	13	different	different	ADJ
arjefm-1283	316	14	sectors	sector	NOUN
arjefm-1283	316	15	of	of	ADP
arjefm-1283	316	16	the	the	DET
arjefm-1283	316	17	economy	economy	NOUN
arjefm-1283	316	18	.	.	PUNCT
arjefm-1283	317	1	the	the	DET
arjefm-1283	317	2	result	result	NOUN
arjefm-1283	317	3	contradicts	contradict	VERB
arjefm-1283	317	4	the	the	DET
arjefm-1283	317	5	findings	finding	NOUN
arjefm-1283	317	6	of	of	ADP
arjefm-1283	317	7	ikpefan	ikpefan	PROPN
arjefm-1283	317	8	(	(	PUNCT
arjefm-1283	317	9	2013	2013	NUM
arjefm-1283	317	10	)	)	PUNCT
arjefm-1283	317	11	who	who	PRON
arjefm-1283	317	12	explored	explore	VERB
arjefm-1283	317	13	the	the	DET
arjefm-1283	317	14	impact	impact	NOUN
arjefm-1283	317	15	of	of	ADP
arjefm-1283	317	16	bank	bank	NOUN
arjefm-1283	317	17	capital	capital	NOUN
arjefm-1283	317	18	adequacy	adequacy	NOUN
arjefm-1283	317	19	ratios	ratio	NOUN
arjefm-1283	317	20	,	,	PUNCT
arjefm-1283	317	21	management	management	NOUN
arjefm-1283	317	22	and	and	CCONJ
arjefm-1283	317	23	performance	performance	NOUN
arjefm-1283	317	24	in	in	ADP
arjefm-1283	317	25	the	the	DET
arjefm-1283	317	26	nigerian	nigerian	ADJ
arjefm-1283	317	27	commercial	commercial	ADJ
arjefm-1283	317	28	bank	bank	PROPN
arjefm-1283	317	29	and	and	CCONJ
arjefm-1283	317	30	found	find	VERB
arjefm-1283	317	31	that	that	SCONJ
arjefm-1283	317	32	capital	capital	NOUN
arjefm-1283	317	33	adequacy	adequacy	NOUN
arjefm-1283	317	34	ratios	ratio	NOUN
arjefm-1283	317	35	have	have	VERB
arjefm-1283	317	36	negative	negative	ADJ
arjefm-1283	317	37	impact	impact	NOUN
arjefm-1283	317	38	on	on	ADP
arjefm-1283	317	39	return	return	NOUN
arjefm-1283	317	40	on	on	ADP
arjefm-1283	317	41	assets	asset	NOUN
arjefm-1283	317	42	.	.	PUNCT
arjefm-1283	318	1	statutory	statutory	PROPN
arjefm-1283	318	2	reserve	reserve	PROPN
arjefm-1283	318	3	and	and	CCONJ
arjefm-1283	318	4	loan	loan	NOUN
arjefm-1283	318	5	and	and	CCONJ
arjefm-1283	318	6	advances	advance	VERB
arjefm-1283	318	7	the	the	DET
arjefm-1283	318	8	result	result	NOUN
arjefm-1283	318	9	of	of	ADP
arjefm-1283	318	10	test	test	NOUN
arjefm-1283	318	11	of	of	ADP
arjefm-1283	318	12	hypothesis	hypothesis	NOUN
arjefm-1283	318	13	three	three	NUM
arjefm-1283	318	14	shows	show	VERB
arjefm-1283	318	15	that	that	SCONJ
arjefm-1283	318	16	statutory	statutory	PROPN
arjefm-1283	318	17	reserve	reserve	NOUN
arjefm-1283	318	18	does	do	AUX
arjefm-1283	318	19	not	not	PART
arjefm-1283	318	20	significantly	significantly	ADV
arjefm-1283	318	21	affect	affect	VERB
arjefm-1283	318	22	loans	loan	NOUN
arjefm-1283	318	23	and	and	CCONJ
arjefm-1283	318	24	advances	advance	NOUN
arjefm-1283	318	25	of	of	ADP
arjefm-1283	318	26	deposit	deposit	NOUN
arjefm-1283	318	27	money	money	NOUN
arjefm-1283	318	28	banks	bank	NOUN
arjefm-1283	318	29	in	in	ADP
arjefm-1283	318	30	nigeria	nigeria	PROPN
arjefm-1283	318	31	.	.	PUNCT
arjefm-1283	319	1	the	the	DET
arjefm-1283	319	2	implication	implication	NOUN
arjefm-1283	319	3	of	of	ADP
arjefm-1283	319	4	this	this	DET
arjefm-1283	319	5	finding	finding	NOUN
arjefm-1283	319	6	is	be	AUX
arjefm-1283	319	7	an	an	DET
arjefm-1283	319	8	increase	increase	NOUN
arjefm-1283	319	9	in	in	ADP
arjefm-1283	319	10	statutory	statutory	ADJ
arjefm-1283	319	11	reserves	reserve	NOUN
arjefm-1283	319	12	,	,	PUNCT
arjefm-1283	319	13	will	will	AUX
arjefm-1283	319	14	reduce	reduce	VERB
arjefm-1283	319	15	the	the	DET
arjefm-1283	319	16	banks	bank	NOUN
arjefm-1283	319	17	’	'	PUNCT
arjefm-1283	319	18	ability	ability	NOUN
arjefm-1283	319	19	to	to	PART
arjefm-1283	319	20	grant	grant	VERB
arjefm-1283	319	21	more	more	ADJ
arjefm-1283	319	22	loans	loan	NOUN
arjefm-1283	319	23	and	and	CCONJ
arjefm-1283	319	24	advances	advance	NOUN
arjefm-1283	319	25	to	to	ADP
arjefm-1283	319	26	their	their	PRON
arjefm-1283	319	27	clients	client	NOUN
arjefm-1283	319	28	.	.	PUNCT
arjefm-1283	320	1	this	this	DET
arjefm-1283	320	2	result	result	NOUN
arjefm-1283	320	3	is	be	AUX
arjefm-1283	320	4	consistent	consistent	ADJ
arjefm-1283	320	5	with	with	ADP
arjefm-1283	320	6	the	the	DET
arjefm-1283	320	7	finding	finding	NOUN
arjefm-1283	320	8	of	of	ADP
arjefm-1283	320	9	bawa	bawa	PROPN
arjefm-1283	320	10	,	,	PUNCT
arjefm-1283	320	11	akinniyi	akinniyi	PROPN
arjefm-1283	320	12	and	and	CCONJ
arjefm-1283	320	13	njarendy	njarendy	NOUN
arjefm-1283	320	14	(	(	PUNCT
arjefm-1283	320	15	2018	2018	NUM
arjefm-1283	320	16	)	)	PUNCT
arjefm-1283	320	17	who	who	PRON
arjefm-1283	320	18	analyzed	analyze	VERB
arjefm-1283	320	19	the	the	DET
arjefm-1283	320	20	effect	effect	NOUN
arjefm-1283	320	21	of	of	ADP
arjefm-1283	320	22	cash	cash	NOUN
arjefm-1283	320	23	reserve	reserve	NOUN
arjefm-1283	320	24	ratio	ratio	NOUN
arjefm-1283	320	25	and	and	CCONJ
arjefm-1283	320	26	money	money	NOUN
arjefm-1283	320	27	supply	supply	NOUN
arjefm-1283	320	28	on	on	ADP
arjefm-1283	320	29	the	the	DET
arjefm-1283	320	30	profitability	profitability	NOUN
arjefm-1283	320	31	of	of	ADP
arjefm-1283	320	32	deposit	deposit	NOUN
arjefm-1283	320	33	money	money	NOUN
arjefm-1283	320	34	banks	bank	NOUN
arjefm-1283	320	35	in	in	ADP
arjefm-1283	320	36	nigeria	nigeria	PROPN
arjefm-1283	320	37	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	321	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	322	1	american	american	PROPN
arjefm-1283	322	2	research	research	PROPN
arjefm-1283	322	3	journal	journal	PROPN
arjefm-1283	322	4	of	of	ADP
arjefm-1283	322	5	economics	economic	NOUN
arjefm-1283	322	6	,	,	PUNCT
arjefm-1283	322	7	finance	finance	NOUN
arjefm-1283	322	8	and	and	CCONJ
arjefm-1283	322	9	management	management	NOUN
arjefm-1283	322	10	volume	volume	NOUN
arjefm-1283	322	11	13	13	NUM
arjefm-1283	322	12	issue	issue	NOUN
arjefm-1283	322	13	4	4	NUM
arjefm-1283	322	14	,	,	PUNCT
arjefm-1283	322	15	october	october	PROPN
arjefm-1283	322	16	-	-	PUNCT
arjefm-1283	322	17	december	december	PROPN
arjefm-1283	322	18	2025	2025	NUM
arjefm-1283	322	19	issn	issn	NOUN
arjefm-1283	322	20	:	:	PUNCT
arjefm-1283	322	21	2836	2836	NUM
arjefm-1283	322	22	-	-	SYM
arjefm-1283	322	23	9416	9416	NUM
arjefm-1283	322	24	impact	impact	NOUN
arjefm-1283	322	25	factor	factor	NOUN
arjefm-1283	322	26	:	:	PUNCT
arjefm-1283	322	27	6.41	6.41	NUM
arjefm-1283	322	28	journal	journal	NOUN
arjefm-1283	322	29	homepage	homepage	NOUN
arjefm-1283	322	30	:	:	PUNCT
arjefm-1283	322	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	322	32	email	email	NOUN
arjefm-1283	322	33	:	:	PUNCT
arjefm-1283	322	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	322	35	official	official	ADJ
arjefm-1283	322	36	journal	journal	PROPN
arjefm-1283	322	37	of	of	ADP
arjefm-1283	322	38	america	america	PROPN
arjefm-1283	322	39	serial	serial	PROPN
arjefm-1283	322	40	publication	publication	NOUN
arjefm-1283	322	41	american	american	PROPN
arjefm-1283	322	42	research	research	PROPN
arjefm-1283	322	43	journal	journal	PROPN
arjefm-1283	322	44	of	of	ADP
arjefm-1283	322	45	economics	economic	NOUN
arjefm-1283	322	46	,	,	PUNCT
arjefm-1283	322	47	finance	finance	NOUN
arjefm-1283	322	48	and	and	CCONJ
arjefm-1283	322	49	management	management	NOUN
arjefm-1283	322	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	322	51	,	,	PUNCT
arjefm-1283	322	52	email	email	NOUN
arjefm-1283	322	53	:	:	PUNCT
arjefm-1283	322	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	323	1	45	45	NUM
arjefm-1283	324	1	|	|	ADV
arjefm-1283	324	2	p	p	X
arjefm-1283	324	3	a	a	DET
arjefm-1283	324	4	g	g	NOUN
arjefm-1283	324	5	e	e	NOUN
arjefm-1283	324	6	and	and	CCONJ
arjefm-1283	324	7	found	find	VERB
arjefm-1283	324	8	that	that	SCONJ
arjefm-1283	324	9	cash	cash	NOUN
arjefm-1283	324	10	reserve	reserve	NOUN
arjefm-1283	324	11	ratio	ratio	NOUN
arjefm-1283	324	12	has	have	VERB
arjefm-1283	324	13	negative	negative	ADJ
arjefm-1283	324	14	and	and	CCONJ
arjefm-1283	324	15	nonsignificant	nonsignificant	ADJ
arjefm-1283	324	16	impact	impact	NOUN
arjefm-1283	324	17	on	on	ADP
arjefm-1283	324	18	the	the	DET
arjefm-1283	324	19	earnings	earning	NOUN
arjefm-1283	324	20	of	of	ADP
arjefm-1283	324	21	deposit	deposit	NOUN
arjefm-1283	324	22	money	money	NOUN
arjefm-1283	324	23	banks	bank	NOUN
arjefm-1283	324	24	.	.	PUNCT
arjefm-1283	325	1	other	other	ADJ
arjefm-1283	325	2	resercher	resercher	PROPN
arjefm-1283	325	3	found	find	VERB
arjefm-1283	325	4	that	that	SCONJ
arjefm-1283	325	5	reserve	reserve	NOUN
arjefm-1283	325	6	requirement	requirement	NOUN
arjefm-1283	325	7	has	have	VERB
arjefm-1283	325	8	a	a	DET
arjefm-1283	325	9	negative	negative	ADJ
arjefm-1283	325	10	effect	effect	NOUN
arjefm-1283	325	11	on	on	ADP
arjefm-1283	325	12	both	both	DET
arjefm-1283	325	13	commercial	commercial	ADJ
arjefm-1283	325	14	banks	bank	NOUN
arjefm-1283	325	15	’	’	PART
arjefm-1283	325	16	profitability	profitability	NOUN
arjefm-1283	325	17	and	and	CCONJ
arjefm-1283	325	18	lending	lending	NOUN
arjefm-1283	325	19	capacity	capacity	NOUN
arjefm-1283	325	20	,	,	PUNCT
arjefm-1283	325	21	thereby	thereby	ADV
arjefm-1283	325	22	,	,	PUNCT
arjefm-1283	325	23	affecting	affect	VERB
arjefm-1283	325	24	performance	performance	NOUN
arjefm-1283	325	25	(	(	PUNCT
arjefm-1283	325	26	abid	abid	PROPN
arjefm-1283	325	27	&	&	CCONJ
arjefm-1283	325	28	lodhi	lodhi	PROPN
arjefm-1283	325	29	,	,	PUNCT
arjefm-1283	325	30	2015	2015	NUM
arjefm-1283	325	31	;	;	PUNCT
arjefm-1283	325	32	atlaw	atlaw	NOUN
arjefm-1283	325	33	,	,	PUNCT
arjefm-1283	325	34	2017	2017	NUM
arjefm-1283	325	35	;	;	PUNCT
arjefm-1283	325	36	eden	eden	PROPN
arjefm-1283	325	37	,	,	PUNCT
arjefm-1283	325	38	2014	2014	NUM
arjefm-1283	325	39	)	)	PUNCT
arjefm-1283	325	40	.	.	PUNCT
arjefm-1283	326	1	this	this	DET
arjefm-1283	326	2	result	result	NOUN
arjefm-1283	326	3	contradicts	contradict	VERB
arjefm-1283	326	4	the	the	DET
arjefm-1283	326	5	finding	finding	NOUN
arjefm-1283	326	6	of	of	ADP
arjefm-1283	326	7	:	:	PUNCT
arjefm-1283	326	8	akani	akani	NOUN
arjefm-1283	326	9	and	and	CCONJ
arjefm-1283	326	10	oparaordu	oparaordu	NOUN
arjefm-1283	326	11	(	(	PUNCT
arjefm-1283	326	12	2018	2018	NUM
arjefm-1283	326	13	)	)	PUNCT
arjefm-1283	326	14	who	who	PRON
arjefm-1283	326	15	explored	explore	VERB
arjefm-1283	326	16	the	the	DET
arjefm-1283	326	17	determinants	determinant	NOUN
arjefm-1283	326	18	of	of	ADP
arjefm-1283	326	19	commercial	commercial	ADJ
arjefm-1283	326	20	banks	bank	NOUN
arjefm-1283	326	21	credit	credit	NOUN
arjefm-1283	326	22	to	to	ADP
arjefm-1283	326	23	the	the	DET
arjefm-1283	326	24	domestic	domestic	ADJ
arjefm-1283	326	25	economy	economy	NOUN
arjefm-1283	326	26	in	in	ADP
arjefm-1283	326	27	nigeria	nigeria	PROPN
arjefm-1283	326	28	and	and	CCONJ
arjefm-1283	326	29	found	find	VERB
arjefm-1283	326	30	that	that	SCONJ
arjefm-1283	326	31	banks	bank	NOUN
arjefm-1283	326	32	specific	specific	ADJ
arjefm-1283	326	33	variables	variable	NOUN
arjefm-1283	326	34	such	such	ADJ
arjefm-1283	326	35	as	as	ADP
arjefm-1283	326	36	deposit	deposit	NOUN
arjefm-1283	326	37	liabilities	liability	NOUN
arjefm-1283	326	38	and	and	CCONJ
arjefm-1283	326	39	liquidity	liquidity	NOUN
arjefm-1283	326	40	ratio	ratio	NOUN
arjefm-1283	326	41	have	have	VERB
arjefm-1283	326	42	positive	positive	ADJ
arjefm-1283	326	43	impact	impact	NOUN
arjefm-1283	326	44	on	on	ADP
arjefm-1283	326	45	total	total	ADJ
arjefm-1283	326	46	loans	loan	NOUN
arjefm-1283	326	47	and	and	CCONJ
arjefm-1283	326	48	advances	advance	NOUN
arjefm-1283	326	49	while	while	SCONJ
arjefm-1283	326	50	deposit	deposit	NOUN
arjefm-1283	326	51	rate	rate	NOUN
arjefm-1283	326	52	.	.	PUNCT
arjefm-1283	327	1	awdia	awdia	ADP
arjefm-1283	327	2	et	et	PROPN
arjefm-1283	327	3	al	al	PROPN
arjefm-1283	327	4	(	(	PUNCT
arjefm-1283	327	5	2011	2011	NUM
arjefm-1283	327	6	)	)	PUNCT
arjefm-1283	327	7	who	who	PRON
arjefm-1283	327	8	analyzed	analyze	VERB
arjefm-1283	327	9	the	the	DET
arjefm-1283	327	10	impact	impact	NOUN
arjefm-1283	327	11	of	of	ADP
arjefm-1283	327	12	capital	capital	NOUN
arjefm-1283	327	13	requirements	requirement	NOUN
arjefm-1283	327	14	on	on	ADP
arjefm-1283	327	15	bank	bank	NOUN
arjefm-1283	327	16	risk	risk	NOUN
arjefm-1283	327	17	-	-	PUNCT
arjefm-1283	327	18	taking	taking	NOUN
arjefm-1283	327	19	at	at	ADP
arjefm-1283	327	20	lebanese	lebanese	ADJ
arjefm-1283	327	21	banks	bank	NOUN
arjefm-1283	327	22	and	and	CCONJ
arjefm-1283	327	23	found	find	VERB
arjefm-1283	327	24	a	a	DET
arjefm-1283	327	25	positive	positive	ADJ
arjefm-1283	327	26	correlation	correlation	NOUN
arjefm-1283	327	27	between	between	ADP
arjefm-1283	327	28	bank	bank	NOUN
arjefm-1283	327	29	profitability	profitability	NOUN
arjefm-1283	327	30	and	and	CCONJ
arjefm-1283	327	31	increase	increase	VERB
arjefm-1283	327	32	in	in	ADP
arjefm-1283	327	33	capital	capital	NOUN
arjefm-1283	327	34	.	.	PUNCT
arjefm-1283	328	1	5	5	X
arjefm-1283	328	2	.	.	X
arjefm-1283	328	3	summary	summary	NOUN
arjefm-1283	328	4	of	of	ADP
arjefm-1283	328	5	findings	finding	NOUN
arjefm-1283	328	6	the	the	DET
arjefm-1283	328	7	findings	finding	NOUN
arjefm-1283	328	8	are	be	AUX
arjefm-1283	328	9	summarized	summarize	VERB
arjefm-1283	328	10	as	as	SCONJ
arjefm-1283	328	11	follows	follow	VERB
arjefm-1283	328	12	:	:	PUNCT
arjefm-1283	328	13	i.	i.	PROPN
arjefm-1283	328	14	paid	pay	VERB
arjefm-1283	328	15	-	-	PUNCT
arjefm-1283	328	16	up	up	ADP
arjefm-1283	328	17	share	share	NOUN
arjefm-1283	328	18	capital	capital	NOUN
arjefm-1283	328	19	has	have	VERB
arjefm-1283	328	20	a	a	DET
arjefm-1283	328	21	positive	positive	ADJ
arjefm-1283	328	22	and	and	CCONJ
arjefm-1283	328	23	significant	significant	ADJ
arjefm-1283	328	24	effect	effect	NOUN
arjefm-1283	328	25	on	on	ADP
arjefm-1283	328	26	loans	loan	NOUN
arjefm-1283	328	27	and	and	CCONJ
arjefm-1283	328	28	advances	advance	NOUN
arjefm-1283	328	29	of	of	ADP
arjefm-1283	328	30	deposit	deposit	NOUN
arjefm-1283	328	31	money	money	NOUN
arjefm-1283	328	32	banks	bank	NOUN
arjefm-1283	328	33	in	in	ADP
arjefm-1283	328	34	nigeria	nigeria	PROPN
arjefm-1283	328	35	.	.	PUNCT
arjefm-1283	329	1	ii	ii	PROPN
arjefm-1283	329	2	.	.	PUNCT
arjefm-1283	329	3	statutory	statutory	PROPN
arjefm-1283	329	4	reserve	reserve	PROPN
arjefm-1283	329	5	has	have	VERB
arjefm-1283	329	6	a	a	DET
arjefm-1283	329	7	positive	positive	ADJ
arjefm-1283	329	8	and	and	CCONJ
arjefm-1283	329	9	nonsignificant	nonsignificant	ADJ
arjefm-1283	329	10	effect	effect	NOUN
arjefm-1283	329	11	on	on	ADP
arjefm-1283	329	12	loans	loan	NOUN
arjefm-1283	329	13	and	and	CCONJ
arjefm-1283	329	14	advances	advance	NOUN
arjefm-1283	329	15	of	of	ADP
arjefm-1283	329	16	deposit	deposit	NOUN
arjefm-1283	329	17	money	money	NOUN
arjefm-1283	329	18	banks	bank	NOUN
arjefm-1283	329	19	in	in	ADP
arjefm-1283	329	20	nigeria	nigeria	PROPN
arjefm-1283	329	21	.	.	PUNCT
arjefm-1283	330	1	in	in	ADP
arjefm-1283	330	2	conclusion	conclusion	NOUN
arjefm-1283	330	3	,	,	PUNCT
arjefm-1283	330	4	tier	tier	NOUN
arjefm-1283	330	5	i	i	PRON
arjefm-1283	330	6	capital	capital	NOUN
arjefm-1283	330	7	is	be	AUX
arjefm-1283	330	8	the	the	DET
arjefm-1283	330	9	primary	primary	ADJ
arjefm-1283	330	10	funding	funding	NOUN
arjefm-1283	330	11	source	source	NOUN
arjefm-1283	330	12	of	of	ADP
arjefm-1283	330	13	the	the	DET
arjefm-1283	330	14	bank	bank	NOUN
arjefm-1283	330	15	and	and	CCONJ
arjefm-1283	330	16	is	be	AUX
arjefm-1283	330	17	the	the	DET
arjefm-1283	330	18	assets	asset	NOUN
arjefm-1283	330	19	a	a	DET
arjefm-1283	330	20	bank	bank	NOUN
arjefm-1283	330	21	holds	hold	VERB
arjefm-1283	330	22	in	in	ADP
arjefm-1283	330	23	order	order	NOUN
arjefm-1283	330	24	to	to	PART
arjefm-1283	330	25	continue	continue	VERB
arjefm-1283	330	26	providing	provide	VERB
arjefm-1283	330	27	for	for	ADP
arjefm-1283	330	28	the	the	DET
arjefm-1283	330	29	business	business	NOUN
arjefm-1283	330	30	needs	need	NOUN
arjefm-1283	330	31	of	of	ADP
arjefm-1283	330	32	its	its	PRON
arjefm-1283	330	33	customers	customer	NOUN
arjefm-1283	330	34	.	.	PUNCT
arjefm-1283	331	1	tier	tier	NOUN
arjefm-1283	331	2	i	i	PRON
arjefm-1283	331	3	capitals	capital	NOUN
arjefm-1283	331	4	are	be	AUX
arjefm-1283	331	5	generated	generate	VERB
arjefm-1283	331	6	specifically	specifically	ADV
arjefm-1283	331	7	to	to	PART
arjefm-1283	331	8	support	support	VERB
arjefm-1283	331	9	banks	bank	NOUN
arjefm-1283	331	10	when	when	SCONJ
arjefm-1283	331	11	losses	loss	NOUN
arjefm-1283	331	12	are	be	AUX
arjefm-1283	331	13	absorbed	absorb	VERB
arjefm-1283	331	14	so	so	SCONJ
arjefm-1283	331	15	that	that	SCONJ
arjefm-1283	331	16	regular	regular	ADJ
arjefm-1283	331	17	business	business	NOUN
arjefm-1283	331	18	functions	function	NOUN
arjefm-1283	331	19	do	do	AUX
arjefm-1283	331	20	not	not	PART
arjefm-1283	331	21	have	have	VERB
arjefm-1283	331	22	to	to	PART
arjefm-1283	331	23	be	be	AUX
arjefm-1283	331	24	shut	shut	VERB
arjefm-1283	331	25	down	down	ADP
arjefm-1283	331	26	.	.	PUNCT
arjefm-1283	332	1	the	the	DET
arjefm-1283	332	2	effect	effect	NOUN
arjefm-1283	332	3	of	of	ADP
arjefm-1283	332	4	the	the	DET
arjefm-1283	332	5	tier	tier	NOUN
arjefm-1283	332	6	i	i	PRON
arjefm-1283	332	7	capital	capital	VERB
arjefm-1283	332	8	on	on	ADP
arjefm-1283	332	9	loans	loan	NOUN
arjefm-1283	332	10	and	and	CCONJ
arjefm-1283	332	11	advances	advance	NOUN
arjefm-1283	332	12	of	of	ADP
arjefm-1283	332	13	banks	bank	NOUN
arjefm-1283	332	14	led	lead	VERB
arjefm-1283	332	15	to	to	ADP
arjefm-1283	332	16	the	the	DET
arjefm-1283	332	17	study	study	NOUN
arjefm-1283	332	18	.	.	PUNCT
arjefm-1283	333	1	from	from	ADP
arjefm-1283	333	2	the	the	DET
arjefm-1283	333	3	result	result	NOUN
arjefm-1283	333	4	of	of	ADP
arjefm-1283	333	5	the	the	DET
arjefm-1283	333	6	data	datum	NOUN
arjefm-1283	333	7	analysis	analysis	NOUN
arjefm-1283	333	8	,	,	PUNCT
arjefm-1283	333	9	paid	pay	VERB
arjefm-1283	333	10	-	-	PUNCT
arjefm-1283	333	11	up	up	ADP
arjefm-1283	333	12	share	share	NOUN
arjefm-1283	333	13	capital	capital	NOUN
arjefm-1283	333	14	has	have	VERB
arjefm-1283	333	15	a	a	DET
arjefm-1283	333	16	positive	positive	ADJ
arjefm-1283	333	17	and	and	CCONJ
arjefm-1283	333	18	significant	significant	ADJ
arjefm-1283	333	19	effect	effect	NOUN
arjefm-1283	333	20	on	on	ADP
arjefm-1283	333	21	loans	loan	NOUN
arjefm-1283	333	22	and	and	CCONJ
arjefm-1283	333	23	advances	advance	NOUN
arjefm-1283	333	24	of	of	ADP
arjefm-1283	333	25	deposit	deposit	NOUN
arjefm-1283	333	26	money	money	NOUN
arjefm-1283	333	27	banks	bank	NOUN
arjefm-1283	333	28	in	in	ADP
arjefm-1283	333	29	nigeria	nigeria	PROPN
arjefm-1283	333	30	.	.	PUNCT
arjefm-1283	334	1	statutory	statutory	PROPN
arjefm-1283	334	2	reserve	reserve	PROPN
arjefm-1283	334	3	has	have	VERB
arjefm-1283	334	4	a	a	DET
arjefm-1283	334	5	positive	positive	ADJ
arjefm-1283	334	6	and	and	CCONJ
arjefm-1283	334	7	nonsignificant	nonsignificant	ADJ
arjefm-1283	334	8	effect	effect	NOUN
arjefm-1283	334	9	on	on	ADP
arjefm-1283	334	10	loans	loan	NOUN
arjefm-1283	334	11	and	and	CCONJ
arjefm-1283	334	12	advances	advance	NOUN
arjefm-1283	334	13	of	of	ADP
arjefm-1283	334	14	deposit	deposit	NOUN
arjefm-1283	334	15	money	money	NOUN
arjefm-1283	334	16	banks	bank	NOUN
arjefm-1283	334	17	in	in	ADP
arjefm-1283	334	18	nigeria	nigeria	PROPN
arjefm-1283	334	19	.	.	PUNCT
arjefm-1283	335	1	the	the	DET
arjefm-1283	335	2	adjusted	adjusted	ADJ
arjefm-1283	335	3	r	r	NOUN
arjefm-1283	335	4	-	-	PUNCT
arjefm-1283	335	5	squared	square	VERB
arjefm-1283	335	6	shows	show	VERB
arjefm-1283	335	7	that	that	SCONJ
arjefm-1283	335	8	66	66	NUM
arjefm-1283	335	9	%	%	NOUN
arjefm-1283	335	10	of	of	ADP
arjefm-1283	335	11	the	the	DET
arjefm-1283	335	12	changes	change	NOUN
arjefm-1283	335	13	in	in	ADP
arjefm-1283	335	14	loans	loan	NOUN
arjefm-1283	335	15	and	and	CCONJ
arjefm-1283	335	16	advances	advance	NOUN
arjefm-1283	335	17	of	of	ADP
arjefm-1283	335	18	deposit	deposit	NOUN
arjefm-1283	335	19	money	money	NOUN
arjefm-1283	335	20	banks	bank	NOUN
arjefm-1283	335	21	in	in	ADP
arjefm-1283	335	22	nigeria	nigeria	PROPN
arjefm-1283	335	23	is	be	AUX
arjefm-1283	335	24	explained	explain	VERB
arjefm-1283	335	25	by	by	ADP
arjefm-1283	335	26	the	the	DET
arjefm-1283	335	27	predictor	predictor	NOUN
arjefm-1283	335	28	variables	variable	NOUN
arjefm-1283	335	29	(	(	PUNCT
arjefm-1283	335	30	paid	pay	VERB
arjefm-1283	335	31	-	-	PUNCT
arjefm-1283	335	32	up	up	ADP
arjefm-1283	335	33	share	share	NOUN
arjefm-1283	335	34	capital	capital	NOUN
arjefm-1283	335	35	and	and	CCONJ
arjefm-1283	335	36	statutory	statutory	ADJ
arjefm-1283	335	37	reserves	reserve	NOUN
arjefm-1283	335	38	)	)	PUNCT
arjefm-1283	335	39	.	.	PUNCT
arjefm-1283	336	1	the	the	DET
arjefm-1283	336	2	remaining	remain	VERB
arjefm-1283	336	3	34	34	NUM
arjefm-1283	336	4	%	%	NOUN
arjefm-1283	336	5	could	could	AUX
arjefm-1283	336	6	be	be	AUX
arjefm-1283	336	7	explained	explain	VERB
arjefm-1283	336	8	by	by	ADP
arjefm-1283	336	9	other	other	ADJ
arjefm-1283	336	10	factors	factor	NOUN
arjefm-1283	336	11	capable	capable	ADJ
arjefm-1283	336	12	of	of	ADP
arjefm-1283	336	13	influencing	influence	VERB
arjefm-1283	336	14	the	the	DET
arjefm-1283	336	15	loans	loan	NOUN
arjefm-1283	336	16	and	and	CCONJ
arjefm-1283	336	17	advances	advance	NOUN
arjefm-1283	336	18	of	of	ADP
arjefm-1283	336	19	deposit	deposit	NOUN
arjefm-1283	336	20	money	money	NOUN
arjefm-1283	336	21	banks	bank	NOUN
arjefm-1283	336	22	in	in	ADP
arjefm-1283	336	23	nigeria	nigeria	PROPN
arjefm-1283	336	24	and	and	CCONJ
arjefm-1283	336	25	other	other	ADJ
arjefm-1283	336	26	remote	remote	ADJ
arjefm-1283	336	27	factors	factor	NOUN
arjefm-1283	336	28	captured	capture	VERB
arjefm-1283	336	29	by	by	ADP
arjefm-1283	336	30	the	the	DET
arjefm-1283	336	31	error	error	NOUN
arjefm-1283	336	32	term	term	NOUN
arjefm-1283	336	33	.	.	PUNCT
arjefm-1283	337	1	based	base	VERB
arjefm-1283	337	2	on	on	ADP
arjefm-1283	337	3	the	the	DET
arjefm-1283	337	4	findings	finding	NOUN
arjefm-1283	337	5	and	and	CCONJ
arjefm-1283	337	6	the	the	DET
arjefm-1283	337	7	specific	specific	ADJ
arjefm-1283	337	8	objectives	objective	NOUN
arjefm-1283	337	9	of	of	ADP
arjefm-1283	337	10	the	the	DET
arjefm-1283	337	11	study	study	NOUN
arjefm-1283	337	12	,	,	PUNCT
arjefm-1283	337	13	the	the	DET
arjefm-1283	337	14	researcher	researcher	NOUN
arjefm-1283	337	15	hereby	hereby	ADV
arjefm-1283	337	16	recommends	recommend	VERB
arjefm-1283	337	17	that	that	SCONJ
arjefm-1283	337	18	nigeria	nigeria	PROPN
arjefm-1283	337	19	deposit	deposit	NOUN
arjefm-1283	337	20	money	money	NOUN
arjefm-1283	337	21	bank	bank	NOUN
arjefm-1283	337	22	should	should	AUX
arjefm-1283	337	23	be	be	AUX
arjefm-1283	337	24	adequately	adequately	ADV
arjefm-1283	337	25	capitalized	capitalize	VERB
arjefm-1283	337	26	at	at	ADP
arjefm-1283	337	27	all	all	DET
arjefm-1283	337	28	times	time	NOUN
arjefm-1283	337	29	in	in	ADP
arjefm-1283	337	30	accordance	accordance	NOUN
arjefm-1283	337	31	with	with	ADP
arjefm-1283	337	32	the	the	DET
arjefm-1283	337	33	central	central	ADJ
arjefm-1283	337	34	bank	bank	PROPN
arjefm-1283	337	35	of	of	ADP
arjefm-1283	337	36	nigeria	nigeria	PROPN
arjefm-1283	337	37	regulatory	regulatory	ADJ
arjefm-1283	337	38	guideline	guideline	NOUN
arjefm-1283	337	39	.	.	PUNCT
arjefm-1283	338	1	adequate	adequate	ADJ
arjefm-1283	338	2	capital	capital	NOUN
arjefm-1283	338	3	as	as	SCONJ
arjefm-1283	338	4	could	could	AUX
arjefm-1283	338	5	be	be	AUX
arjefm-1283	338	6	observed	observe	VERB
arjefm-1283	338	7	from	from	ADP
arjefm-1283	338	8	the	the	DET
arjefm-1283	338	9	findings	finding	NOUN
arjefm-1283	338	10	of	of	ADP
arjefm-1283	338	11	the	the	DET
arjefm-1283	338	12	study	study	NOUN
arjefm-1283	338	13	enable	enable	VERB
arjefm-1283	338	14	the	the	DET
arjefm-1283	338	15	bank	bank	NOUN
arjefm-1283	338	16	to	to	PART
arjefm-1283	338	17	efficiently	efficiently	ADV
arjefm-1283	338	18	provide	provide	VERB
arjefm-1283	338	19	its	its	PRON
arjefm-1283	338	20	traditional	traditional	ADJ
arjefm-1283	338	21	role	role	NOUN
arjefm-1283	338	22	of	of	ADP
arjefm-1283	338	23	financial	financial	ADJ
arjefm-1283	338	24	intermediation	intermediation	NOUN
arjefm-1283	338	25	in	in	ADP
arjefm-1283	338	26	the	the	DET
arjefm-1283	338	27	economy	economy	NOUN
arjefm-1283	338	28	.	.	PUNCT
arjefm-1283	339	1	they	they	PRON
arjefm-1283	339	2	can	can	AUX
arjefm-1283	339	3	achieve	achieve	VERB
arjefm-1283	339	4	this	this	DET
arjefm-1283	339	5	capital	capital	NOUN
arjefm-1283	339	6	adequacy	adequacy	NOUN
arjefm-1283	339	7	through	through	ADP
arjefm-1283	339	8	the	the	DET
arjefm-1283	339	9	issue	issue	NOUN
arjefm-1283	339	10	of	of	ADP
arjefm-1283	339	11	shares	share	NOUN
arjefm-1283	339	12	which	which	PRON
arjefm-1283	339	13	will	will	AUX
arjefm-1283	339	14	increase	increase	VERB
arjefm-1283	339	15	their	their	PRON
arjefm-1283	339	16	paid	pay	VERB
arjefm-1283	339	17	-	-	PUNCT
arjefm-1283	339	18	up	up	ADP
arjefm-1283	339	19	share	share	NOUN
arjefm-1283	339	20	capital	capital	NOUN
arjefm-1283	339	21	.	.	PUNCT
arjefm-1283	340	1	nigeria	nigeria	PROPN
arjefm-1283	340	2	deposit	deposit	NOUN
arjefm-1283	340	3	money	money	NOUN
arjefm-1283	340	4	banks	bank	NOUN
arjefm-1283	340	5	should	should	AUX
arjefm-1283	340	6	also	also	ADV
arjefm-1283	340	7	comply	comply	VERB
arjefm-1283	340	8	with	with	ADP
arjefm-1283	340	9	the	the	DET
arjefm-1283	340	10	regulatory	regulatory	ADJ
arjefm-1283	340	11	requirement	requirement	NOUN
arjefm-1283	340	12	concerning	concern	VERB
arjefm-1283	340	13	statutory	statutory	ADJ
arjefm-1283	340	14	reserve	reserve	PROPN
arjefm-1283	340	15	.	.	PUNCT
arjefm-1283	341	1	however	however	ADV
arjefm-1283	341	2	,	,	PUNCT
arjefm-1283	341	3	the	the	DET
arjefm-1283	341	4	regulatory	regulatory	ADJ
arjefm-1283	341	5	standard	standard	NOUN
arjefm-1283	341	6	should	should	AUX
arjefm-1283	341	7	not	not	PART
arjefm-1283	341	8	be	be	AUX
arjefm-1283	341	9	exceeded	exceed	VERB
arjefm-1283	341	10	because	because	SCONJ
arjefm-1283	341	11	statutory	statutory	ADJ
arjefm-1283	341	12	reserve	reserve	PROPN
arjefm-1283	341	13	was	be	AUX
arjefm-1283	341	14	found	find	VERB
arjefm-1283	341	15	to	to	PART
arjefm-1283	341	16	limit	limit	VERB
arjefm-1283	341	17	the	the	DET
arjefm-1283	341	18	ability	ability	NOUN
arjefm-1283	341	19	of	of	ADP
arjefm-1283	341	20	the	the	DET
arjefm-1283	341	21	banks	bank	NOUN
arjefm-1283	341	22	to	to	PART
arjefm-1283	341	23	extend	extend	VERB
arjefm-1283	341	24	loans	loan	NOUN
arjefm-1283	341	25	and	and	CCONJ
arjefm-1283	341	26	advances	advance	NOUN
arjefm-1283	341	27	to	to	ADP
arjefm-1283	341	28	their	their	PRON
arjefm-1283	341	29	clients	client	NOUN
arjefm-1283	341	30	.	.	PUNCT
arjefm-1283	342	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	342	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	343	1	american	american	PROPN
arjefm-1283	343	2	research	research	PROPN
arjefm-1283	343	3	journal	journal	PROPN
arjefm-1283	343	4	of	of	ADP
arjefm-1283	343	5	economics	economic	NOUN
arjefm-1283	343	6	,	,	PUNCT
arjefm-1283	343	7	finance	finance	NOUN
arjefm-1283	343	8	and	and	CCONJ
arjefm-1283	343	9	management	management	NOUN
arjefm-1283	343	10	volume	volume	NOUN
arjefm-1283	343	11	13	13	NUM
arjefm-1283	343	12	issue	issue	NOUN
arjefm-1283	343	13	4	4	NUM
arjefm-1283	343	14	,	,	PUNCT
arjefm-1283	343	15	october	october	PROPN
arjefm-1283	343	16	-	-	PUNCT
arjefm-1283	343	17	december	december	PROPN
arjefm-1283	343	18	2025	2025	NUM
arjefm-1283	343	19	issn	issn	NOUN
arjefm-1283	343	20	:	:	PUNCT
arjefm-1283	343	21	2836	2836	NUM
arjefm-1283	343	22	-	-	SYM
arjefm-1283	343	23	9416	9416	NUM
arjefm-1283	343	24	impact	impact	NOUN
arjefm-1283	343	25	factor	factor	NOUN
arjefm-1283	343	26	:	:	PUNCT
arjefm-1283	343	27	6.41	6.41	NUM
arjefm-1283	343	28	journal	journal	NOUN
arjefm-1283	343	29	homepage	homepage	NOUN
arjefm-1283	343	30	:	:	PUNCT
arjefm-1283	343	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	343	32	email	email	NOUN
arjefm-1283	343	33	:	:	PUNCT
arjefm-1283	343	34	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	343	35	official	official	ADJ
arjefm-1283	343	36	journal	journal	PROPN
arjefm-1283	343	37	of	of	ADP
arjefm-1283	343	38	america	america	PROPN
arjefm-1283	343	39	serial	serial	PROPN
arjefm-1283	343	40	publication	publication	NOUN
arjefm-1283	343	41	american	american	PROPN
arjefm-1283	343	42	research	research	PROPN
arjefm-1283	343	43	journal	journal	PROPN
arjefm-1283	343	44	of	of	ADP
arjefm-1283	343	45	economics	economic	NOUN
arjefm-1283	343	46	,	,	PUNCT
arjefm-1283	343	47	finance	finance	NOUN
arjefm-1283	343	48	and	and	CCONJ
arjefm-1283	343	49	management	management	NOUN
arjefm-1283	343	50	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	343	51	,	,	PUNCT
arjefm-1283	343	52	email	email	NOUN
arjefm-1283	343	53	:	:	PUNCT
arjefm-1283	344	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	344	2	46	46	NUM
arjefm-1283	345	1	|	|	ADV
arjefm-1283	345	2	p	p	X
arjefm-1283	345	3	a	a	DET
arjefm-1283	345	4	g	g	NOUN
arjefm-1283	345	5	e	e	NOUN
arjefm-1283	345	6	references	reference	NOUN
arjefm-1283	345	7	abid	abid	PROPN
arjefm-1283	345	8	,	,	PUNCT
arjefm-1283	345	9	s.	s.	PROPN
arjefm-1283	345	10	f	f	PROPN
arjefm-1283	345	11	&	&	CCONJ
arjefm-1283	345	12	lodhi	lodhi	PROPN
arjefm-1283	345	13	,	,	PUNCT
arjefm-1283	345	14	s	s	PART
arjefm-1283	345	15	(	(	PUNCT
arjefm-1283	345	16	2015	2015	NUM
arjefm-1283	345	17	)	)	PUNCT
arjefm-1283	345	18	.	.	PUNCT
arjefm-1283	346	1	impact	impact	NOUN
arjefm-1283	346	2	of	of	ADP
arjefm-1283	346	3	changes	change	NOUN
arjefm-1283	346	4	in	in	ADP
arjefm-1283	346	5	reserve	reserve	NOUN
arjefm-1283	346	6	requirement	requirement	NOUN
arjefm-1283	346	7	on	on	ADP
arjefm-1283	346	8	banks	bank	NOUN
arjefm-1283	346	9	profitability	profitability	NOUN
arjefm-1283	346	10	:	:	PUNCT
arjefm-1283	346	11	a	a	DET
arjefm-1283	346	12	case	case	NOUN
arjefm-1283	346	13	of	of	ADP
arjefm-1283	346	14	commercial	commercial	ADJ
arjefm-1283	346	15	banks	bank	NOUN
arjefm-1283	346	16	in	in	ADP
arjefm-1283	346	17	pakistan	pakistan	PROPN
arjefm-1283	346	18	.	.	PUNCT
arjefm-1283	347	1	european	european	PROPN
arjefm-1283	347	2	journal	journal	PROPN
arjefm-1283	347	3	of	of	ADP
arjefm-1283	347	4	business	business	NOUN
arjefm-1283	347	5	and	and	CCONJ
arjefm-1283	347	6	management	management	NOUN
arjefm-1283	347	7	.	.	PUNCT
arjefm-1283	348	1	7(31),1	7(31),1	NUM
arjefm-1283	348	2	-	-	SYM
arjefm-1283	348	3	6	6	NUM
arjefm-1283	348	4	.	.	PUNCT
arjefm-1283	349	1	adebayo	adebayo	PROPN
arjefm-1283	349	2	,	,	PUNCT
arjefm-1283	349	3	m.	m.	NOUN
arjefm-1283	349	4	,	,	PUNCT
arjefm-1283	349	5	adeyanju	adeyanju	PROPN
arjefm-1283	349	6	,	,	PUNCT
arjefm-1283	349	7	d.	d.	PROPN
arjefm-1283	349	8	,	,	PUNCT
arjefm-1283	349	9	&	&	CCONJ
arjefm-1283	349	10	olabode	olabode	PROPN
arjefm-1283	349	11	,	,	PUNCT
arjefm-1283	349	12	s.	s.	PROPN
arjefm-1283	349	13	(	(	PUNCT
arjefm-1283	349	14	2011	2011	NUM
arjefm-1283	349	15	)	)	PUNCT
arjefm-1283	349	16	.	.	PUNCT
arjefm-1283	350	1	liquidity	liquidity	NOUN
arjefm-1283	350	2	anagement	anagement	NOUN
arjefm-1283	350	3	and	and	CCONJ
arjefm-1283	350	4	commercial	commercial	ADJ
arjefm-1283	350	5	banks	bank	NOUN
arjefm-1283	350	6	’	'	PUNCT
arjefm-1283	350	7	profitability	profitability	NOUN
arjefm-1283	350	8	in	in	ADP
arjefm-1283	350	9	nigeria	nigeria	PROPN
arjefm-1283	350	10	.	.	PUNCT
arjefm-1283	351	1	research	research	NOUN
arjefm-1283	351	2	journal	journal	PROPN
arjefm-1283	351	3	of	of	ADP
arjefm-1283	351	4	finance	finance	NOUN
arjefm-1283	351	5	and	and	CCONJ
arjefm-1283	351	6	accounting	accounting	NOUN
arjefm-1283	351	7	,	,	PUNCT
arjefm-1283	351	8	2(7/8	2(7/8	NUM
arjefm-1283	351	9	)	)	PUNCT
arjefm-1283	351	10	,	,	PUNCT
arjefm-1283	351	11	25	25	NUM
arjefm-1283	351	12	-	-	SYM
arjefm-1283	351	13	37	37	NUM
arjefm-1283	351	14	.	.	PUNCT
arjefm-1283	352	1	afrifa	afrifa	PROPN
arjefm-1283	352	2	,	,	PUNCT
arjefm-1283	352	3	g	g	NOUN
arjefm-1283	352	4	,	,	PUNCT
arjefm-1283	352	5	gyapong	gyapong	ADJ
arjefm-1283	352	6	,	,	PUNCT
arjefm-1283	352	7	e	e	PROPN
arjefm-1283	352	8	&	&	CCONJ
arjefm-1283	352	9	zalata	zalata	PROPN
arjefm-1283	352	10	,	,	PUNCT
arjefm-1283	352	11	a.m	a.m	PROPN
arjefm-1283	352	12	(	(	PUNCT
arjefm-1283	352	13	2019	2019	NUM
arjefm-1283	352	14	)	)	PUNCT
arjefm-1283	352	15	.	.	PUNCT
arjefm-1283	353	1	buffer	buffer	NOUN
arjefm-1283	353	2	capital	capital	NOUN
arjefm-1283	353	3	,	,	PUNCT
arjefm-1283	353	4	loan	loan	NOUN
arjefm-1283	353	5	portfolio	portfolio	NOUN
arjefm-1283	353	6	quality	quality	NOUN
arjefm-1283	353	7	and	and	CCONJ
arjefm-1283	353	8	the	the	DET
arjefm-1283	353	9	performance	performance	NOUN
arjefm-1283	353	10	of	of	ADP
arjefm-1283	353	11	microfinance	microfinance	NOUN
arjefm-1283	353	12	institutions	institution	NOUN
arjefm-1283	353	13	:	:	PUNCT
arjefm-1283	353	14	a	a	DET
arjefm-1283	353	15	global	global	ADJ
arjefm-1283	353	16	analysis	analysis	NOUN
arjefm-1283	353	17	.	.	PUNCT
arjefm-1283	354	1	journal	journal	NOUN
arjefm-1283	354	2	of	of	ADP
arjefm-1283	354	3	financial	financial	ADJ
arjefm-1283	354	4	stability	stability	NOUN
arjefm-1283	354	5	44	44	NUM
arjefm-1283	354	6	(	(	PUNCT
arjefm-1283	354	7	1	1	NUM
arjefm-1283	354	8	)	)	PUNCT
arjefm-1283	354	9	,	,	PUNCT
arjefm-1283	354	10	25	25	NUM
arjefm-1283	354	11	-	-	SYM
arjefm-1283	354	12	37	37	NUM
arjefm-1283	354	13	.	.	PUNCT
arjefm-1283	355	1	akani	akani	NOUN
arjefm-1283	355	2	,	,	PUNCT
arjefm-1283	355	3	h.	h.	PROPN
arjefm-1283	355	4	w	w	PROPN
arjefm-1283	355	5	&	&	CCONJ
arjefm-1283	355	6	oparaordu	oparaordu	PROPN
arjefm-1283	355	7	,	,	PUNCT
arjefm-1283	355	8	b	b	PROPN
arjefm-1283	355	9	(	(	PUNCT
arjefm-1283	355	10	2018	2018	NUM
arjefm-1283	355	11	)	)	PUNCT
arjefm-1283	355	12	.	.	PUNCT
arjefm-1283	356	1	determinants	determinant	NOUN
arjefm-1283	356	2	of	of	ADP
arjefm-1283	356	3	commercial	commercial	ADJ
arjefm-1283	356	4	banks	bank	NOUN
arjefm-1283	356	5	credit	credit	NOUN
arjefm-1283	356	6	to	to	ADP
arjefm-1283	356	7	the	the	DET
arjefm-1283	356	8	domestic	domestic	ADJ
arjefm-1283	356	9	economy	economy	NOUN
arjefm-1283	356	10	in	in	ADP
arjefm-1283	356	11	nigeria	nigeria	PROPN
arjefm-1283	356	12	:	:	PUNCT
arjefm-1283	356	13	examinations	examination	NOUN
arjefm-1283	356	14	of	of	ADP
arjefm-1283	356	15	dynamics	dynamic	NOUN
arjefm-1283	356	16	principles	principle	NOUN
arjefm-1283	356	17	.	.	PUNCT
arjefm-1283	357	1	indian	indian	ADJ
arjefm-1283	357	2	journal	journal	PROPN
arjefm-1283	357	3	of	of	ADP
arjefm-1283	357	4	finance	finance	NOUN
arjefm-1283	357	5	and	and	CCONJ
arjefm-1283	357	6	banking	banking	NOUN
arjefm-1283	357	7	,	,	PUNCT
arjefm-1283	357	8	2(2	2(2	NUM
arjefm-1283	357	9	)	)	PUNCT
arjefm-1283	357	10	,	,	PUNCT
arjefm-1283	357	11	26	26	NUM
arjefm-1283	357	12	-	-	SYM
arjefm-1283	357	13	41	41	NUM
arjefm-1283	357	14	.	.	PUNCT
arjefm-1283	358	1	alhassan	alhassan	VERB
arjefm-1283	358	2	,	,	PUNCT
arjefm-1283	358	3	a.	a.	PROPN
arjefm-1283	358	4	l.	l.	PROPN
arjefm-1283	358	5	,	,	PUNCT
arjefm-1283	358	6	coleman	coleman	PROPN
arjefm-1283	358	7	,	,	PUNCT
arjefm-1283	358	8	a.	a.	PROPN
arjefm-1283	358	9	k.	k.	PROPN
arjefm-1283	358	10	and	and	CCONJ
arjefm-1283	358	11	andoh	andoh	PROPN
arjefm-1283	358	12	,	,	PUNCT
arjefm-1283	358	13	c.	c.	PROPN
arjefm-1283	358	14	(	(	PUNCT
arjefm-1283	358	15	2014	2014	NUM
arjefm-1283	358	16	)	)	PUNCT
arjefm-1283	358	17	.	.	PUNCT
arjefm-1283	359	1	asset	asset	NOUN
arjefm-1283	359	2	quality	quality	NOUN
arjefm-1283	359	3	in	in	ADP
arjefm-1283	359	4	a	a	DET
arjefm-1283	359	5	crisis	crisis	NOUN
arjefm-1283	359	6	period	period	NOUN
arjefm-1283	359	7	:	:	PUNCT
arjefm-1283	359	8	an	an	DET
arjefm-1283	359	9	empirical	empirical	ADJ
arjefm-1283	359	10	examination	examination	NOUN
arjefm-1283	359	11	of	of	ADP
arjefm-1283	359	12	ghanaian	ghanaian	ADJ
arjefm-1283	359	13	banks	bank	NOUN
arjefm-1283	359	14	.	.	PUNCT
arjefm-1283	360	1	review	review	NOUN
arjefm-1283	360	2	of	of	ADP
arjefm-1283	360	3	development	development	NOUN
arjefm-1283	360	4	finance	finance	NOUN
arjefm-1283	360	5	4(1	4(1	NOUN
arjefm-1283	360	6	)	)	PUNCT
arjefm-1283	360	7	,	,	PUNCT
arjefm-1283	360	8	50	50	NUM
arjefm-1283	360	9	-	-	SYM
arjefm-1283	360	10	62	62	NUM
arjefm-1283	360	11	.	.	PUNCT
arjefm-1283	361	1	ali	ali	PROPN
arjefm-1283	361	2	,	,	PUNCT
arjefm-1283	361	3	s	s	PROPN
arjefm-1283	361	4	&	&	CCONJ
arjefm-1283	361	5	marsida	marsida	PROPN
arjefm-1283	361	6	,	,	PUNCT
arjefm-1283	361	7	h	h	NOUN
arjefm-1283	361	8	(	(	PUNCT
arjefm-1283	361	9	2015	2015	NUM
arjefm-1283	361	10	)	)	PUNCT
arjefm-1283	361	11	.	.	PUNCT
arjefm-1283	362	1	the	the	DET
arjefm-1283	362	2	impact	impact	NOUN
arjefm-1283	362	3	of	of	ADP
arjefm-1283	362	4	macroeconomic	macroeconomic	ADJ
arjefm-1283	362	5	and	and	CCONJ
arjefm-1283	362	6	banking	banking	NOUN
arjefm-1283	362	7	factors	factor	NOUN
arjefm-1283	362	8	on	on	ADP
arjefm-1283	362	9	credit	credit	NOUN
arjefm-1283	362	10	growth	growth	NOUN
arjefm-1283	362	11	in	in	ADP
arjefm-1283	362	12	the	the	DET
arjefm-1283	362	13	albanian	albanian	ADJ
arjefm-1283	362	14	banking	banking	NOUN
arjefm-1283	362	15	system	system	NOUN
arjefm-1283	362	16	.	.	PUNCT
arjefm-1283	363	1	alkhazaleh	alkhazaleh	PROPN
arjefm-1283	363	2	,	,	PUNCT
arjefm-1283	363	3	a.	a.	NOUN
arjefm-1283	363	4	m.k	m.k	PROPN
arjefm-1283	363	5	(	(	PUNCT
arjefm-1283	363	6	2017	2017	NUM
arjefm-1283	363	7	)	)	PUNCT
arjefm-1283	363	8	.	.	PUNCT
arjefm-1283	364	1	factors	factor	NOUN
arjefm-1283	364	2	that	that	PRON
arjefm-1283	364	3	may	may	AUX
arjefm-1283	364	4	drive	drive	VERB
arjefm-1283	364	5	the	the	DET
arjefm-1283	364	6	commercial	commercial	ADJ
arjefm-1283	364	7	bank	bank	NOUN
arjefm-1283	364	8	lending	lending	NOUN
arjefm-1283	364	9	:	:	PUNCT
arjefm-1283	364	10	evidence	evidence	NOUN
arjefm-1283	364	11	from	from	ADP
arjefm-1283	364	12	jordan	jordan	PROPN
arjefm-1283	364	13	.	.	PUNCT
arjefm-1283	365	1	journal	journal	PROPN
arjefm-1283	365	2	of	of	ADP
arjefm-1283	365	3	banks	bank	NOUN
arjefm-1283	365	4	and	and	CCONJ
arjefm-1283	365	5	bank	bank	NOUN
arjefm-1283	365	6	systems	system	NOUN
arjefm-1283	365	7	,	,	PUNCT
arjefm-1283	365	8	12(2	12(2	NUM
arjefm-1283	365	9	)	)	PUNCT
arjefm-1283	365	10	,	,	PUNCT
arjefm-1283	365	11	31	31	NUM
arjefm-1283	365	12	-	-	SYM
arjefm-1283	365	13	38	38	NUM
arjefm-1283	365	14	.	.	PUNCT
arjefm-1283	366	1	aspal	aspal	ADJ
arjefm-1283	366	2	,	,	PUNCT
arjefm-1283	366	3	p.	p.	PROPN
arjefm-1283	366	4	k	k	PROPN
arjefm-1283	366	5	&	&	CCONJ
arjefm-1283	366	6	afroze	afroze	PROPN
arjefm-1283	366	7	n	n	CCONJ
arjefm-1283	366	8	,	,	PUNCT
arjefm-1283	366	9	a	a	DET
arjefm-1283	366	10	(	(	PUNCT
arjefm-1283	366	11	2014	2014	NUM
arjefm-1283	366	12	)	)	PUNCT
arjefm-1283	366	13	.	.	PUNCT
arjefm-1283	367	1	empirical	empirical	ADJ
arjefm-1283	367	2	analysis	analysis	NOUN
arjefm-1283	367	3	of	of	ADP
arjefm-1283	367	4	capital	capital	NOUN
arjefm-1283	367	5	adequacy	adequacy	NOUN
arjefm-1283	367	6	in	in	ADP
arjefm-1283	367	7	the	the	DET
arjefm-1283	367	8	indian	indian	ADJ
arjefm-1283	367	9	private	private	ADJ
arjefm-1283	367	10	sector	sector	NOUN
arjefm-1283	367	11	banks	bank	NOUN
arjefm-1283	367	12	.	.	PUNCT
arjefm-1283	368	1	american	american	PROPN
arjefm-1283	368	2	journal	journal	PROPN
arjefm-1283	368	3	of	of	ADP
arjefm-1283	368	4	research	research	NOUN
arjefm-1283	368	5	communication	communication	NOUN
arjefm-1283	368	6	,	,	PUNCT
arjefm-1283	368	7	2(11	2(11	NUM
arjefm-1283	368	8	)	)	PUNCT
arjefm-1283	368	9	,	,	PUNCT
arjefm-1283	368	10	28	28	NUM
arjefm-1283	368	11	-	-	SYM
arjefm-1283	368	12	42	42	NUM
arjefm-1283	368	13	.	.	PUNCT
arjefm-1283	369	1	atlaw	atlaw	NOUN
arjefm-1283	369	2	,	,	PUNCT
arjefm-1283	369	3	t	t	PROPN
arjefm-1283	369	4	(	(	PUNCT
arjefm-1283	369	5	2017	2017	NUM
arjefm-1283	369	6	)	)	PUNCT
arjefm-1283	369	7	.	.	PUNCT
arjefm-1283	370	1	the	the	DET
arjefm-1283	370	2	effect	effect	NOUN
arjefm-1283	370	3	of	of	ADP
arjefm-1283	370	4	reserve	reserve	NOUN
arjefm-1283	370	5	requirement	requirement	NOUN
arjefm-1283	370	6	on	on	ADP
arjefm-1283	370	7	ethiopian	ethiopian	ADJ
arjefm-1283	370	8	commercial	commercial	ADJ
arjefm-1283	370	9	banks	bank	NOUN
arjefm-1283	370	10	’	'	PUNCT
arjefm-1283	370	11	performance	performance	NOUN
arjefm-1283	370	12	:	:	PUNCT
arjefm-1283	370	13	profitability	profitability	NOUN
arjefm-1283	370	14	and	and	CCONJ
arjefm-1283	370	15	lending	lending	NOUN
arjefm-1283	370	16	capacity	capacity	NOUN
arjefm-1283	370	17	.	.	PUNCT
arjefm-1283	371	1	a	a	DET
arjefm-1283	371	2	thesis	thesis	NOUN
arjefm-1283	371	3	submitted	submit	VERB
arjefm-1283	371	4	to	to	ADP
arjefm-1283	371	5	the	the	DET
arjefm-1283	371	6	school	school	NOUN
arjefm-1283	371	7	of	of	ADP
arjefm-1283	371	8	graduate	graduate	ADJ
arjefm-1283	371	9	studies	study	NOUN
arjefm-1283	371	10	of	of	ADP
arjefm-1283	371	11	st	st	PROPN
arjefm-1283	371	12	.	.	PROPN
arjefm-1283	371	13	mary	mary	PROPN
arjefm-1283	371	14	university	university	PROPN
arjefm-1283	371	15	in	in	ADP
arjefm-1283	371	16	partial	partial	ADJ
arjefm-1283	371	17	fulfillments	fulfillment	NOUN
arjefm-1283	371	18	for	for	ADP
arjefm-1283	371	19	the	the	DET
arjefm-1283	371	20	degree	degree	NOUN
arjefm-1283	371	21	of	of	ADP
arjefm-1283	371	22	masters	master	NOUN
arjefm-1283	371	23	in	in	ADP
arjefm-1283	371	24	development	development	NOUN
arjefm-1283	371	25	economics	economic	NOUN
arjefm-1283	371	26	.	.	PUNCT
arjefm-1283	372	1	ayaydin	ayaydin	PROPN
arjefm-1283	372	2	,	,	PUNCT
arjefm-1283	372	3	h	h	PROPN
arjefm-1283	372	4	&	&	CCONJ
arjefm-1283	372	5	karakaya	karakaya	PROPN
arjefm-1283	372	6	,	,	PUNCT
arjefm-1283	372	7	a	a	PRON
arjefm-1283	372	8	(	(	PUNCT
arjefm-1283	372	9	2014	2014	NUM
arjefm-1283	372	10	)	)	PUNCT
arjefm-1283	372	11	.	.	PUNCT
arjefm-1283	373	1	the	the	DET
arjefm-1283	373	2	effect	effect	NOUN
arjefm-1283	373	3	of	of	ADP
arjefm-1283	373	4	bank	bank	NOUN
arjefm-1283	373	5	capital	capital	NOUN
arjefm-1283	373	6	on	on	ADP
arjefm-1283	373	7	profitability	profitability	NOUN
arjefm-1283	373	8	and	and	CCONJ
arjefm-1283	373	9	risk	risk	NOUN
arjefm-1283	373	10	in	in	ADP
arjefm-1283	373	11	turkish	turkish	ADJ
arjefm-1283	373	12	banking	banking	NOUN
arjefm-1283	373	13	.	.	PUNCT
arjefm-1283	374	1	international	international	ADJ
arjefm-1283	374	2	journal	journal	PROPN
arjefm-1283	374	3	of	of	ADP
arjefm-1283	374	4	business	business	NOUN
arjefm-1283	374	5	and	and	CCONJ
arjefm-1283	374	6	social	social	ADJ
arjefm-1283	374	7	science	science	NOUN
arjefm-1283	374	8	,	,	PUNCT
arjefm-1283	374	9	5(1	5(1	NUM
arjefm-1283	374	10	)	)	PUNCT
arjefm-1283	374	11	,	,	PUNCT
arjefm-1283	374	12	252	252	NUM
arjefm-1283	374	13	-	-	SYM
arjefm-1283	374	14	271	271	NUM
arjefm-1283	374	15	.	.	PUNCT
arjefm-1283	375	1	azira	azira	PROPN
arjefm-1283	375	2	,	,	PUNCT
arjefm-1283	375	3	a.	a.	PROPN
arjefm-1283	375	4	a	a	PROPN
arjefm-1283	375	5	,	,	PUNCT
arjefm-1283	375	6	lee	lee	PROPN
arjefm-1283	375	7	,	,	PUNCT
arjefm-1283	375	8	e	e	PROPN
arjefm-1283	375	9	s	s	PROPN
arjefm-1283	375	10	&	&	CCONJ
arjefm-1283	375	11	juhaida	juhaida	PROPN
arjefm-1283	375	12	,	,	PUNCT
arjefm-1283	375	13	a	a	DET
arjefm-1283	375	14	,	,	PUNCT
arjefm-1283	375	15	b	b	PROPN
arjefm-1283	375	16	(	(	PUNCT
arjefm-1283	375	17	2018	2018	NUM
arjefm-1283	375	18	)	)	PUNCT
arjefm-1283	375	19	.	.	PUNCT
arjefm-1283	376	1	bank	bank	NOUN
arjefm-1283	376	2	lending	lending	NOUN
arjefm-1283	376	3	determinants	determinant	NOUN
arjefm-1283	376	4	:	:	PUNCT
arjefm-1283	376	5	evidence	evidence	NOUN
arjefm-1283	376	6	from	from	ADP
arjefm-1283	376	7	malaysia	malaysia	PROPN
arjefm-1283	376	8	commercial	commercial	ADJ
arjefm-1283	376	9	banks	bank	NOUN
arjefm-1283	376	10	.	.	PUNCT
arjefm-1283	377	1	journal	journal	NOUN
arjefm-1283	377	2	of	of	ADP
arjefm-1283	377	3	banking	banking	NOUN
arjefm-1283	377	4	and	and	CCONJ
arjefm-1283	377	5	finance	finance	NOUN
arjefm-1283	377	6	management	management	NOUN
arjefm-1283	377	7	,	,	PUNCT
arjefm-1283	377	8	1(3	1(3	NUM
arjefm-1283	377	9	)	)	PUNCT
arjefm-1283	377	10	,	,	PUNCT
arjefm-1283	377	11	36	36	NUM
arjefm-1283	377	12	-	-	SYM
arjefm-1283	377	13	48	48	NUM
arjefm-1283	377	14	.	.	PUNCT
arjefm-1283	378	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	378	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	379	1	https://www.researchgate.net/journal/1572-3089_journal_of_financial_stability	https://www.researchgate.net/journal/1572-3089_journal_of_financial_stability	PROPN
arjefm-1283	379	2	american	american	PROPN
arjefm-1283	379	3	research	research	PROPN
arjefm-1283	379	4	journal	journal	PROPN
arjefm-1283	379	5	of	of	ADP
arjefm-1283	379	6	economics	economic	NOUN
arjefm-1283	379	7	,	,	PUNCT
arjefm-1283	379	8	finance	finance	NOUN
arjefm-1283	379	9	and	and	CCONJ
arjefm-1283	379	10	management	management	NOUN
arjefm-1283	379	11	volume	volume	NOUN
arjefm-1283	379	12	13	13	NUM
arjefm-1283	379	13	issue	issue	NOUN
arjefm-1283	379	14	4	4	NUM
arjefm-1283	379	15	,	,	PUNCT
arjefm-1283	379	16	october	october	PROPN
arjefm-1283	379	17	-	-	PUNCT
arjefm-1283	379	18	december	december	PROPN
arjefm-1283	379	19	2025	2025	NUM
arjefm-1283	379	20	issn	issn	NOUN
arjefm-1283	379	21	:	:	PUNCT
arjefm-1283	379	22	2836	2836	NUM
arjefm-1283	379	23	-	-	SYM
arjefm-1283	379	24	9416	9416	NUM
arjefm-1283	379	25	impact	impact	NOUN
arjefm-1283	379	26	factor	factor	NOUN
arjefm-1283	379	27	:	:	PUNCT
arjefm-1283	379	28	6.41	6.41	NUM
arjefm-1283	379	29	journal	journal	NOUN
arjefm-1283	379	30	homepage	homepage	NOUN
arjefm-1283	379	31	:	:	PUNCT
arjefm-1283	379	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	379	33	email	email	NOUN
arjefm-1283	379	34	:	:	PUNCT
arjefm-1283	379	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	379	36	official	official	ADJ
arjefm-1283	379	37	journal	journal	PROPN
arjefm-1283	379	38	of	of	ADP
arjefm-1283	379	39	america	america	PROPN
arjefm-1283	379	40	serial	serial	PROPN
arjefm-1283	379	41	publication	publication	NOUN
arjefm-1283	379	42	american	american	PROPN
arjefm-1283	379	43	research	research	PROPN
arjefm-1283	379	44	journal	journal	PROPN
arjefm-1283	379	45	of	of	ADP
arjefm-1283	379	46	economics	economic	NOUN
arjefm-1283	379	47	,	,	PUNCT
arjefm-1283	379	48	finance	finance	NOUN
arjefm-1283	379	49	and	and	CCONJ
arjefm-1283	379	50	management	management	NOUN
arjefm-1283	379	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	379	52	,	,	PUNCT
arjefm-1283	379	53	email	email	NOUN
arjefm-1283	379	54	:	:	PUNCT
arjefm-1283	379	55	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	380	1	47	47	NUM
arjefm-1283	381	1	|	|	ADV
arjefm-1283	381	2	p	p	X
arjefm-1283	381	3	a	a	DET
arjefm-1283	381	4	g	g	NOUN
arjefm-1283	381	5	e	e	NOUN
arjefm-1283	381	6	banks	bank	NOUN
arjefm-1283	381	7	for	for	ADP
arjefm-1283	381	8	international	international	ADJ
arjefm-1283	381	9	settlement	settlement	NOUN
arjefm-1283	381	10	(	(	PUNCT
arjefm-1283	381	11	2019	2019	NUM
arjefm-1283	381	12	)	)	PUNCT
arjefm-1283	381	13	.	.	PUNCT
arjefm-1283	382	1	definition	definition	NOUN
arjefm-1283	382	2	of	of	ADP
arjefm-1283	382	3	capital	capital	NOUN
arjefm-1283	382	4	in	in	ADP
arjefm-1283	382	5	basel	basel	PROPN
arjefm-1283	382	6	iii	iii	PROPN
arjefm-1283	382	7	.	.	PUNCT
arjefm-1283	383	1	fsi	fsi	PROPN
arjefm-1283	383	2	executive	executive	ADJ
arjefm-1283	383	3	summaries	summary	NOUN
arjefm-1283	383	4	,	,	PUNCT
arjefm-1283	383	5	2019	2019	NUM
arjefm-1283	383	6	.	.	PUNCT
arjefm-1283	384	1	bawa	bawa	PROPN
arjefm-1283	384	2	,	,	PUNCT
arjefm-1283	384	3	a.	a.	PROPN
arjefm-1283	384	4	b	b	PROPN
arjefm-1283	384	5	,	,	PUNCT
arjefm-1283	384	6	1	1	NUM
arjefm-1283	384	7	,	,	PUNCT
arjefm-1283	384	8	akinniyi	akinniyi	PROPN
arjefm-1283	384	9	,	,	PUNCT
arjefm-1283	384	10	k.o	k.o	PROPN
arjefm-1283	384	11	&	&	CCONJ
arjefm-1283	384	12	njarendy	njarendy	PROPN
arjefm-1283	384	13	p.	p.	PROPN
arjefm-1283	384	14	i.	i.	PROPN
arjefm-1283	384	15	(	(	PUNCT
arjefm-1283	384	16	2018	2018	NUM
arjefm-1283	384	17	)	)	PUNCT
arjefm-1283	384	18	.	.	PUNCT
arjefm-1283	385	1	cash	cash	NOUN
arjefm-1283	385	2	reserve	reserve	NOUN
arjefm-1283	385	3	ratio	ratio	NOUN
arjefm-1283	385	4	,	,	PUNCT
arjefm-1283	385	5	money	money	NOUN
arjefm-1283	385	6	supply	supply	NOUN
arjefm-1283	385	7	and	and	CCONJ
arjefm-1283	385	8	the	the	DET
arjefm-1283	385	9	profitability	profitability	NOUN
arjefm-1283	385	10	of	of	ADP
arjefm-1283	385	11	deposit	deposit	NOUN
arjefm-1283	385	12	money	money	NOUN
arjefm-1283	385	13	banks	bank	NOUN
arjefm-1283	385	14	in	in	ADP
arjefm-1283	385	15	nigeria	nigeria	PROPN
arjefm-1283	385	16	.	.	PUNCT
arjefm-1283	386	1	international	international	ADJ
arjefm-1283	386	2	journal	journal	PROPN
arjefm-1283	386	3	of	of	ADP
arjefm-1283	386	4	financial	financial	ADJ
arjefm-1283	386	5	management	management	NOUN
arjefm-1283	386	6	,	,	PUNCT
arjefm-1283	386	7	7(4	7(4	NUM
arjefm-1283	386	8	)	)	PUNCT
arjefm-1283	386	9	,	,	PUNCT
arjefm-1283	386	10	9	9	NUM
arjefm-1283	386	11	-	-	SYM
arjefm-1283	386	12	18	18	NUM
arjefm-1283	386	13	.	.	PUNCT
arjefm-1283	386	14	bragg	bragg	PROPN
arjefm-1283	386	15	,	,	PUNCT
arjefm-1283	386	16	s	s	PART
arjefm-1283	386	17	(	(	PUNCT
arjefm-1283	386	18	2020	2020	NUM
arjefm-1283	386	19	)	)	PUNCT
arjefm-1283	386	20	.	.	PUNCT
arjefm-1283	387	1	why	why	SCONJ
arjefm-1283	387	2	shares	share	NOUN
arjefm-1283	387	3	are	be	AUX
arjefm-1283	387	4	issued	issue	VERB
arjefm-1283	387	5	at	at	ADP
arjefm-1283	387	6	a	a	DET
arjefm-1283	387	7	premium	premium	NOUN
arjefm-1283	387	8	.	.	PUNCT
arjefm-1283	388	1	https://www.accountingtools.com/articles/why-are-shares-issued-at-a-premium	https://www.accountingtools.com/articles/why-are-shares-issued-at-a-premium	NOUN
arjefm-1283	388	2	.	.	PUNCT
arjefm-1283	389	1	bridges	bridge	NOUN
arjefm-1283	389	2	,	,	PUNCT
arjefm-1283	389	3	j	j	PROPN
arjefm-1283	389	4	,	,	PUNCT
arjefm-1283	389	5	gregory	gregory	PROPN
arjefm-1283	389	6	,	,	PUNCT
arjefm-1283	389	7	d	d	PROPN
arjefm-1283	389	8	,	,	PUNCT
arjefm-1283	389	9	nielsen	nielsen	PROPN
arjefm-1283	389	10	,	,	PUNCT
arjefm-1283	389	11	m	m	PROPN
arjefm-1283	389	12	,	,	PUNCT
arjefm-1283	389	13	pezzini	pezzini	X
arjefm-1283	389	14	,	,	PUNCT
arjefm-1283	389	15	s	s	PROPN
arjefm-1283	389	16	,	,	PUNCT
arjefm-1283	389	17	radia	radia	PROPN
arjefm-1283	389	18	,	,	PUNCT
arjefm-1283	389	19	a	a	PRON
arjefm-1283	389	20	&	&	CCONJ
arjefm-1283	389	21	spaltro	spaltro	NOUN
arjefm-1283	389	22	,	,	PUNCT
arjefm-1283	389	23	m	m	VERB
arjefm-1283	389	24	(	(	PUNCT
arjefm-1283	389	25	2014	2014	NUM
arjefm-1283	389	26	)	)	PUNCT
arjefm-1283	389	27	.	.	PUNCT
arjefm-1283	390	1	the	the	DET
arjefm-1283	390	2	impact	impact	NOUN
arjefm-1283	390	3	of	of	ADP
arjefm-1283	390	4	capital	capital	NOUN
arjefm-1283	390	5	requirements	requirement	NOUN
arjefm-1283	390	6	on	on	ADP
arjefm-1283	390	7	bank	bank	NOUN
arjefm-1283	390	8	lending	lending	NOUN
arjefm-1283	390	9	.	.	PUNCT
arjefm-1283	391	1	the	the	DET
arjefm-1283	391	2	bank	bank	PROPN
arjefm-1283	391	3	of	of	ADP
arjefm-1283	391	4	england	england	PROPN
arjefm-1283	391	5	’s	’s	PART
arjefm-1283	391	6	working	working	PROPN
arjefm-1283	391	7	paper	paper	PROPN
arjefm-1283	391	8	series	series	PROPN
arjefm-1283	391	9	no	no	PROPN
arjefm-1283	391	10	.	.	PROPN
arjefm-1283	391	11	486	486	NUM
arjefm-1283	391	12	.	.	PUNCT
arjefm-1283	392	1	central	central	ADJ
arjefm-1283	392	2	bank	bank	PROPN
arjefm-1283	392	3	of	of	ADP
arjefm-1283	392	4	malaysia	malaysia	PROPN
arjefm-1283	392	5	statistical	statistical	ADJ
arjefm-1283	392	6	bulletin	bulletin	NOUN
arjefm-1283	392	7	(	(	PUNCT
arjefm-1283	392	8	2016	2016	NUM
arjefm-1283	392	9	)	)	PUNCT
arjefm-1283	392	10	.	.	PUNCT
arjefm-1283	393	1	statutory	statutory	PROPN
arjefm-1283	393	2	reserve	reserve	PROPN
arjefm-1283	393	3	requirement	requirement	NOUN
arjefm-1283	393	4	.	.	PUNCT
arjefm-1283	394	1	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserverequirement	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserverequirement	PROPN
arjefm-1283	394	2	.	.	PUNCT
arjefm-1283	395	1	chen	chen	PROPN
arjefm-1283	395	2	,	,	PUNCT
arjefm-1283	395	3	j	j	PROPN
arjefm-1283	395	4	(	(	PUNCT
arjefm-1283	395	5	2020	2020	NUM
arjefm-1283	395	6	)	)	PUNCT
arjefm-1283	395	7	.	.	PUNCT
arjefm-1283	396	1	paid	pay	VERB
arjefm-1283	396	2	-	-	PUNCT
arjefm-1283	396	3	up	up	ADP
arjefm-1283	396	4	capital	capital	NOUN
arjefm-1283	396	5	.	.	PUNCT
arjefm-1283	397	1	https://www.investopedia.com/terms/p/paidupcapital.asp	https://www.investopedia.com/terms/p/paidupcapital.asp	NOUN
arjefm-1283	397	2	deléchat	deléchat	ADJ
arjefm-1283	397	3	,	,	PUNCT
arjefm-1283	397	4	c	c	NOUN
arjefm-1283	397	5	,	,	PUNCT
arjefm-1283	397	6	henao	henao	PROPN
arjefm-1283	397	7	,	,	PUNCT
arjefm-1283	397	8	c	c	PROPN
arjefm-1283	397	9	muthoora	muthoora	PROPN
arjefm-1283	397	10	,	,	PUNCT
arjefm-1283	397	11	p	p	PROPN
arjefm-1283	397	12	&	&	CCONJ
arjefm-1283	397	13	vtyurina	vtyurina	PROPN
arjefm-1283	397	14	,	,	PUNCT
arjefm-1283	397	15	s	s	PART
arjefm-1283	397	16	(	(	PUNCT
arjefm-1283	397	17	2014	2014	NUM
arjefm-1283	397	18	)	)	PUNCT
arjefm-1283	397	19	.	.	PUNCT
arjefm-1283	398	1	the	the	DET
arjefm-1283	398	2	determinants	determinant	NOUN
arjefm-1283	398	3	of	of	ADP
arjefm-1283	398	4	banks	bank	NOUN
arjefm-1283	398	5	’	’	PART
arjefm-1283	398	6	liquidity	liquidity	NOUN
arjefm-1283	398	7	buffers	buffer	NOUN
arjefm-1283	398	8	in	in	ADP
arjefm-1283	398	9	central	central	PROPN
arjefm-1283	398	10	america	america	PROPN
arjefm-1283	398	11	.	.	PUNCT
arjefm-1283	399	1	ekwe	ekwe	PROPN
arjefm-1283	399	2	m.c	m.c	PROPN
arjefm-1283	399	3	&	&	CCONJ
arjefm-1283	399	4	inyiama	inyiama	PROPN
arjefm-1283	399	5	o.i	o.i	PROPN
arjefm-1283	399	6	(	(	PUNCT
arjefm-1283	399	7	2014	2014	NUM
arjefm-1283	399	8	)	)	PUNCT
arjefm-1283	399	9	.	.	PUNCT
arjefm-1283	400	1	revenue	revenue	NOUN
arjefm-1283	400	2	reserves	reserve	NOUN
arjefm-1283	400	3	and	and	CCONJ
arjefm-1283	400	4	financial	financial	ADJ
arjefm-1283	400	5	performance	performance	NOUN
arjefm-1283	400	6	in	in	ADP
arjefm-1283	400	7	the	the	DET
arjefm-1283	400	8	brewery	brewery	NOUN
arjefm-1283	400	9	industry	industry	NOUN
arjefm-1283	400	10	:	:	PUNCT
arjefm-1283	400	11	evidence	evidence	NOUN
arjefm-1283	400	12	from	from	ADP
arjefm-1283	400	13	nigeria	nigeria	PROPN
arjefm-1283	400	14	.	.	PUNCT
arjefm-1283	401	1	applied	apply	VERB
arjefm-1283	401	2	economics	economic	NOUN
arjefm-1283	401	3	and	and	CCONJ
arjefm-1283	401	4	finance	finance	NOUN
arjefm-1283	401	5	1(2	1(2	NUM
arjefm-1283	401	6	)	)	PUNCT
arjefm-1283	401	7	,	,	PUNCT
arjefm-1283	401	8	117	117	NUM
arjefm-1283	401	9	-	-	SYM
arjefm-1283	401	10	131	131	NUM
arjefm-1283	401	11	.	.	PUNCT
arjefm-1283	402	1	fungáčov	fungáčov	NOUN
arjefm-1283	402	2	,	,	PUNCT
arjefm-1283	402	3	z	z	NOUN
arjefm-1283	402	4	,	,	PUNCT
arjefm-1283	402	5	nuutilainen	nuutilainen	NOUN
arjefm-1283	402	6	,	,	PUNCT
arjefm-1283	402	7	r	r	NOUN
arjefm-1283	402	8	&	&	CCONJ
arjefm-1283	402	9	weill	weill	PROPN
arjefm-1283	402	10	,	,	PUNCT
arjefm-1283	402	11	l	l	PROPN
arjefm-1283	402	12	(	(	PUNCT
arjefm-1283	402	13	2015	2015	NUM
arjefm-1283	402	14	)	)	PUNCT
arjefm-1283	402	15	.	.	PUNCT
arjefm-1283	403	1	reserve	reserve	NOUN
arjefm-1283	403	2	requirements	requirement	NOUN
arjefm-1283	403	3	and	and	CCONJ
arjefm-1283	403	4	the	the	DET
arjefm-1283	403	5	bank	bank	NOUN
arjefm-1283	403	6	lending	lending	NOUN
arjefm-1283	403	7	channel	channel	NOUN
arjefm-1283	403	8	in	in	ADP
arjefm-1283	403	9	china	china	PROPN
arjefm-1283	403	10	.	.	PUNCT
arjefm-1283	404	1	thesis	thesis	NOUN
arjefm-1283	404	2	submitted	submit	VERB
arjefm-1283	404	3	to	to	ADP
arjefm-1283	404	4	strasbourg	strasbourg	NOUN
arjefm-1283	404	5	business	business	NOUN
arjefm-1283	404	6	school	school	NOUN
arjefm-1283	404	7	,	,	PUNCT
arjefm-1283	404	8	university	university	NOUN
arjefm-1283	404	9	of	of	ADP
arjefm-1283	404	10	strasbourg	strasbourg	NOUN
arjefm-1283	404	11	for	for	ADP
arjefm-1283	404	12	the	the	DET
arjefm-1283	404	13	award	award	PROPN
arjefm-1283	404	14	of	of	ADP
arjefm-1283	404	15	ms.c	ms.c	ADJ
arjefm-1283	404	16	degree	degree	NOUN
arjefm-1283	404	17	in	in	ADP
arjefm-1283	404	18	banking	banking	NOUN
arjefm-1283	404	19	&	&	CCONJ
arjefm-1283	404	20	finance	finance	PROPN
arjefm-1283	404	21	.	.	PUNCT
arjefm-1283	405	1	gambo	gambo	PROPN
arjefm-1283	405	2	,	,	PUNCT
arjefm-1283	405	3	e.	e.	PROPN
arjefm-1283	405	4	j	j	PROPN
arjefm-1283	405	5	(	(	PUNCT
arjefm-1283	405	6	2017	2017	NUM
arjefm-1283	405	7	)	)	PUNCT
arjefm-1283	405	8	.	.	PUNCT
arjefm-1283	406	1	determinants	determinant	NOUN
arjefm-1283	406	2	of	of	ADP
arjefm-1283	406	3	non	non	ADJ
arjefm-1283	406	4	-	-	ADJ
arjefm-1283	406	5	performing	performing	ADJ
arjefm-1283	406	6	loans	loan	NOUN
arjefm-1283	406	7	in	in	ADP
arjefm-1283	406	8	nigerias	nigeria	NOUN
arjefm-1283	406	9	deposit	deposit	NOUN
arjefm-1283	406	10	money	money	NOUN
arjefm-1283	406	11	banks	bank	NOUN
arjefm-1283	406	12	.	.	PUNCT
arjefm-1283	407	1	achieves	achieve	VERB
arjefm-1283	407	2	of	of	ADP
arjefm-1283	407	3	business	business	NOUN
arjefm-1283	407	4	research	research	NOUN
arjefm-1283	407	5	,	,	PUNCT
arjefm-1283	407	6	5(10	5(10	NUM
arjefm-1283	407	7	,	,	PUNCT
arjefm-1283	407	8	74	74	NUM
arjefm-1283	407	9	-	-	SYM
arjefm-1283	407	10	88	88	NUM
arjefm-1283	407	11	.	.	PUNCT
arjefm-1283	408	1	gemechu	gemechu	NOUN
arjefm-1283	408	2	,	,	PUNCT
arjefm-1283	408	3	a	a	PRON
arjefm-1283	408	4	(	(	PUNCT
arjefm-1283	408	5	2016	2016	NUM
arjefm-1283	408	6	)	)	PUNCT
arjefm-1283	408	7	.	.	PUNCT
arjefm-1283	409	1	determinants	determinant	NOUN
arjefm-1283	409	2	of	of	ADP
arjefm-1283	409	3	banks	bank	NOUN
arjefm-1283	409	4	‘	'	PUNCT
arjefm-1283	409	5	profitability	profitability	NOUN
arjefm-1283	409	6	:	:	PUNCT
arjefm-1283	409	7	evidence	evidence	NOUN
arjefm-1283	409	8	from	from	ADP
arjefm-1283	409	9	banking	bank	VERB
arjefm-1283	409	10	industry	industry	NOUN
arjefm-1283	409	11	in	in	ADP
arjefm-1283	409	12	ethiopia	ethiopia	PROPN
arjefm-1283	409	13	.	.	PUNCT
arjefm-1283	410	1	international	international	ADJ
arjefm-1283	410	2	journal	journal	PROPN
arjefm-1283	410	3	of	of	ADP
arjefm-1283	410	4	economics	economic	NOUN
arjefm-1283	410	5	,	,	PUNCT
arjefm-1283	410	6	commerce	commerce	NOUN
arjefm-1283	410	7	and	and	CCONJ
arjefm-1283	410	8	amanagement	amanagement	NOUN
arjefm-1283	410	9	,	,	PUNCT
arjefm-1283	410	10	4(2	4(2	NUM
arjefm-1283	410	11	)	)	PUNCT
arjefm-1283	410	12	,	,	PUNCT
arjefm-1283	410	13	442	442	NUM
arjefm-1283	410	14	-	-	SYM
arjefm-1283	410	15	463	463	NUM
arjefm-1283	410	16	.	.	PUNCT
arjefm-1283	411	1	gambacorta	gambacorta	NOUN
arjefm-1283	411	2	,	,	PUNCT
arjefm-1283	411	3	l	l	PROPN
arjefm-1283	411	4	&	&	CCONJ
arjefm-1283	411	5	shin	shin	PROPN
arjefm-1283	411	6	,	,	PUNCT
arjefm-1283	411	7	h.s	h.s	PROPN
arjefm-1283	411	8	(	(	PUNCT
arjefm-1283	411	9	2016	2016	NUM
arjefm-1283	411	10	)	)	PUNCT
arjefm-1283	411	11	.	.	PUNCT
arjefm-1283	412	1	why	why	SCONJ
arjefm-1283	412	2	bank	bank	NOUN
arjefm-1283	412	3	capital	capital	NOUN
arjefm-1283	412	4	matters	matter	VERB
arjefm-1283	412	5	for	for	ADP
arjefm-1283	412	6	monetary	monetary	ADJ
arjefm-1283	412	7	policy	policy	NOUN
arjefm-1283	412	8	.	.	PUNCT
arjefm-1283	413	1	bis	bis	PROPN
arjefm-1283	413	2	working	working	NOUN
arjefm-1283	413	3	papers	paper	NOUN
arjefm-1283	413	4	no	no	DET
arjefm-1283	413	5	558	558	NUM
arjefm-1283	413	6	presented	present	VERB
arjefm-1283	413	7	to	to	ADP
arjefm-1283	413	8	economic	economic	ADJ
arjefm-1283	413	9	department	department	NOUN
arjefm-1283	413	10	of	of	ADP
arjefm-1283	413	11	banks	bank	NOUN
arjefm-1283	413	12	for	for	ADP
arjefm-1283	413	13	international	international	ADJ
arjefm-1283	413	14	settlement	settlement	NOUN
arjefm-1283	413	15	.	.	PUNCT
arjefm-1283	414	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	414	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-1283	415	1	https://www.accountingtools.com/articles/why-are-shares-issued-at-a-premium	https://www.accountingtools.com/articles/why-are-shares-issued-at-a-premium	PROPN
arjefm-1283	415	2	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserve-requirement	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserve-requirement	PROPN
arjefm-1283	415	3	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserve-requirement	https://islamicbankers.files.wordpress.com/2013/12/20160126-statutory-reserve-requirement	PROPN
arjefm-1283	415	4	american	american	ADJ
arjefm-1283	415	5	research	research	PROPN
arjefm-1283	415	6	journal	journal	PROPN
arjefm-1283	415	7	of	of	ADP
arjefm-1283	415	8	economics	economic	NOUN
arjefm-1283	415	9	,	,	PUNCT
arjefm-1283	415	10	finance	finance	NOUN
arjefm-1283	415	11	and	and	CCONJ
arjefm-1283	415	12	management	management	NOUN
arjefm-1283	415	13	volume	volume	NOUN
arjefm-1283	415	14	13	13	NUM
arjefm-1283	415	15	issue	issue	NOUN
arjefm-1283	415	16	4	4	NUM
arjefm-1283	415	17	,	,	PUNCT
arjefm-1283	415	18	october	october	PROPN
arjefm-1283	415	19	-	-	PUNCT
arjefm-1283	415	20	december	december	PROPN
arjefm-1283	415	21	2025	2025	NUM
arjefm-1283	415	22	issn	issn	NOUN
arjefm-1283	415	23	:	:	PUNCT
arjefm-1283	415	24	2836	2836	NUM
arjefm-1283	415	25	-	-	SYM
arjefm-1283	415	26	9416	9416	NUM
arjefm-1283	415	27	impact	impact	NOUN
arjefm-1283	415	28	factor	factor	NOUN
arjefm-1283	415	29	:	:	PUNCT
arjefm-1283	415	30	6.41	6.41	NUM
arjefm-1283	415	31	journal	journal	NOUN
arjefm-1283	415	32	homepage	homepage	NOUN
arjefm-1283	415	33	:	:	PUNCT
arjefm-1283	415	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-1283	415	35	email	email	NOUN
arjefm-1283	415	36	:	:	PUNCT
arjefm-1283	415	37	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-1283	415	38	official	official	ADJ
arjefm-1283	415	39	journal	journal	PROPN
arjefm-1283	415	40	of	of	ADP
arjefm-1283	415	41	america	america	PROPN
arjefm-1283	415	42	serial	serial	PROPN
arjefm-1283	415	43	publication	publication	NOUN
arjefm-1283	415	44	american	american	PROPN
arjefm-1283	415	45	research	research	PROPN
arjefm-1283	415	46	journal	journal	PROPN
arjefm-1283	415	47	of	of	ADP
arjefm-1283	415	48	economics	economic	NOUN
arjefm-1283	415	49	,	,	PUNCT
arjefm-1283	415	50	finance	finance	NOUN
arjefm-1283	415	51	and	and	CCONJ
arjefm-1283	415	52	management	management	NOUN
arjefm-1283	415	53	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-1283	415	54	,	,	PUNCT
arjefm-1283	415	55	email	email	NOUN
arjefm-1283	415	56	:	:	PUNCT
arjefm-1283	415	57	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	416	1	48	48	NUM
arjefm-1283	417	1	|	|	ADV
arjefm-1283	417	2	p	p	NOUN
arjefm-1283	417	3	a	a	DET
arjefm-1283	417	4	g	g	NOUN
arjefm-1283	417	5	e	e	NOUN
arjefm-1283	417	6	gambacorta	gambacorta	NOUN
arjefm-1283	417	7	,	,	PUNCT
arjefm-1283	417	8	l	l	PROPN
arjefm-1283	417	9	&	&	CCONJ
arjefm-1283	417	10	shin	shin	PROPN
arjefm-1283	417	11	,	,	PUNCT
arjefm-1283	417	12	h.	h.	PROPN
arjefm-1283	417	13	s	s	X
arjefm-1283	417	14	(	(	PUNCT
arjefm-1283	417	15	2016	2016	NUM
arjefm-1283	417	16	)	)	PUNCT
arjefm-1283	417	17	.	.	PUNCT
arjefm-1283	418	1	why	why	SCONJ
arjefm-1283	418	2	bank	bank	NOUN
arjefm-1283	418	3	capital	capital	NOUN
arjefm-1283	418	4	matters	matter	VERB
arjefm-1283	418	5	for	for	ADP
arjefm-1283	418	6	monetary	monetary	ADJ
arjefm-1283	418	7	policy	policy	NOUN
arjefm-1283	418	8	.	.	PUNCT
arjefm-1283	419	1	banks	bank	NOUN
arjefm-1283	419	2	for	for	ADP
arjefm-1283	419	3	international	international	ADJ
arjefm-1283	419	4	settlement	settlement	NOUN
arjefm-1283	419	5	(	(	PUNCT
arjefm-1283	419	6	bis	bis	ADJ
arjefm-1283	419	7	)	)	PUNCT
arjefm-1283	419	8	working	work	VERB
arjefm-1283	419	9	papers	paper	NOUN
arjefm-1283	419	10	no	no	DET
arjefm-1283	419	11	558	558	NUM
arjefm-1283	419	12	of	of	ADP
arjefm-1283	419	13	2016	2016	NUM
arjefm-1283	419	14	.	.	PUNCT
arjefm-1283	420	1	harelimana	harelimana	PROPN
arjefm-1283	420	2	,	,	PUNCT
arjefm-1283	420	3	j.	j.	PROPN
arjefm-1283	420	4	b	b	PROPN
arjefm-1283	420	5	&	&	CCONJ
arjefm-1283	420	6	gasheja	gasheja	PROPN
arjefm-1283	420	7	,	,	PUNCT
arjefm-1283	420	8	f	f	PROPN
arjefm-1283	420	9	(	(	PUNCT
arjefm-1283	420	10	2016	2016	NUM
arjefm-1283	420	11	)	)	PUNCT
arjefm-1283	420	12	.	.	PUNCT
arjefm-1283	421	1	analysis	analysis	NOUN
arjefm-1283	421	2	of	of	ADP
arjefm-1283	421	3	loan	loan	NOUN
arjefm-1283	421	4	portfolio	portfolio	NOUN
arjefm-1283	421	5	management	management	NOUN
arjefm-1283	421	6	for	for	ADP
arjefm-1283	421	7	financial	financial	ADJ
arjefm-1283	421	8	profitability	profitability	NOUN
arjefm-1283	421	9	and	and	CCONJ
arjefm-1283	421	10	sustainability	sustainability	NOUN
arjefm-1283	421	11	of	of	ADP
arjefm-1283	421	12	umwalimu	umwalimu	ADJ
arjefm-1283	421	13	sacco	sacco	NOUN
arjefm-1283	421	14	in	in	ADP
arjefm-1283	421	15	rwanda	rwanda	PROPN
arjefm-1283	421	16	.	.	PUNCT
arjefm-1283	422	1	british	british	PROPN
arjefm-1283	422	2	journal	journal	PROPN
arjefm-1283	422	3	of	of	ADP
arjefm-1283	422	4	economics	economic	NOUN
arjefm-1283	422	5	,	,	PUNCT
arjefm-1283	422	6	management	management	NOUN
arjefm-1283	422	7	&	&	CCONJ
arjefm-1283	422	8	trade	trade	NOUN
arjefm-1283	422	9	15(4	15(4	NUM
arjefm-1283	422	10	)	)	PUNCT
arjefm-1283	422	11	,	,	PUNCT
arjefm-1283	422	12	1	1	NUM
arjefm-1283	422	13	-	-	SYM
arjefm-1283	422	14	16	16	NUM
arjefm-1283	422	15	.	.	PUNCT
arjefm-1283	423	1	maccarthy	maccarthy	PROPN
arjefm-1283	423	2	,	,	PUNCT
arjefm-1283	423	3	j	j	PROPN
arjefm-1283	423	4	(	(	PUNCT
arjefm-1283	423	5	2016	2016	NUM
arjefm-1283	423	6	)	)	PUNCT
arjefm-1283	423	7	.	.	PUNCT
arjefm-1283	424	1	the	the	DET
arjefm-1283	424	2	effect	effect	NOUN
arjefm-1283	424	3	of	of	ADP
arjefm-1283	424	4	cash	cash	NOUN
arjefm-1283	424	5	reserve	reserve	NOUN
arjefm-1283	424	6	ratio	ratio	NOUN
arjefm-1283	424	7	(	(	PUNCT
arjefm-1283	424	8	crr	crr	PROPN
arjefm-1283	424	9	)	)	PUNCT
arjefm-1283	424	10	on	on	ADP
arjefm-1283	424	11	the	the	DET
arjefm-1283	424	12	financial	financial	ADJ
arjefm-1283	424	13	performance	performance	NOUN
arjefm-1283	424	14	of	of	ADP
arjefm-1283	424	15	commercial	commercial	ADJ
arjefm-1283	424	16	bank	bank	NOUN
arjefm-1283	424	17	and	and	CCONJ
arjefm-1283	424	18	their	their	PRON
arjefm-1283	424	19	engagement	engagement	NOUN
arjefm-1283	424	20	in	in	ADP
arjefm-1283	424	21	crs	crs	PROPN
arjefm-1283	424	22	in	in	ADP
arjefm-1283	424	23	ghana	ghana	PROPN
arjefm-1283	424	24	.	.	PUNCT
arjefm-1283	425	1	international	international	ADJ
arjefm-1283	425	2	journal	journal	PROPN
arjefm-1283	425	3	of	of	ADP
arjefm-1283	425	4	central	central	ADJ
arjefm-1283	425	5	banking	banking	NOUN
arjefm-1283	425	6	,	,	PUNCT
arjefm-1283	425	7	8	8	NUM
arjefm-1283	425	8	(	(	PUNCT
arjefm-1283	425	9	1	1	NUM
arjefm-1283	425	10	):	):	PUNCT
arjefm-1283	425	11	27	27	NUM
arjefm-1283	425	12	-	-	SYM
arjefm-1283	425	13	37	37	NUM
arjefm-1283	425	14	.	.	PUNCT
arjefm-1283	426	1	marcus	marcus	PROPN
arjefm-1283	426	2	,	,	PUNCT
arjefm-1283	426	3	a.	a.	PROPN
arjefm-1283	426	4	j.	j.	PROPN
arjefm-1283	426	5	(	(	PUNCT
arjefm-1283	426	6	1984	1984	NUM
arjefm-1283	426	7	)	)	PUNCT
arjefm-1283	426	8	.	.	PUNCT
arjefm-1283	427	1	deregulation	deregulation	NOUN
arjefm-1283	427	2	and	and	CCONJ
arjefm-1283	427	3	bank	bank	NOUN
arjefm-1283	427	4	financial	financial	ADJ
arjefm-1283	427	5	policy	policy	NOUN
arjefm-1283	427	6	.	.	PUNCT
arjefm-1283	428	1	journal	journal	NOUN
arjefm-1283	428	2	of	of	ADP
arjefm-1283	428	3	banking	banking	NOUN
arjefm-1283	428	4	&	&	CCONJ
arjefm-1283	428	5	finance	finance	PROPN
arjefm-1283	428	6	,	,	PUNCT
arjefm-1283	428	7	8(4	8(4	NUM
arjefm-1283	428	8	)	)	PUNCT
arjefm-1283	428	9	,	,	PUNCT
arjefm-1283	428	10	557	557	NUM
arjefm-1283	428	11	-	-	SYM
arjefm-1283	428	12	565	565	NUM
arjefm-1283	428	13	.	.	PUNCT
arjefm-1283	429	1	marshal	marshal	NOUN
arjefm-1283	429	2	,	,	PUNCT
arjefm-1283	429	3	d	d	X
arjefm-1283	429	4	(	(	PUNCT
arjefm-1283	429	5	2020	2020	NUM
arjefm-1283	429	6	)	)	PUNCT
arjefm-1283	429	7	.	.	PUNCT
arjefm-1283	430	1	what	what	PRON
arjefm-1283	430	2	is	be	AUX
arjefm-1283	430	3	a	a	DET
arjefm-1283	430	4	statutory	statutory	ADJ
arjefm-1283	430	5	reserve	reserve	NOUN
arjefm-1283	430	6	?	?	PUNCT
arjefm-1283	431	1	https://www.wisegeek.com/what-is-a-statutoryreserve.htm	https://www.wisegeek.com/what-is-a-statutoryreserve.htm	X
arjefm-1283	431	2	#	#	NOUN
arjefm-1283	431	3	muli	muli	NOUN
arjefm-1283	431	4	,	,	PUNCT
arjefm-1283	431	5	d.m	d.m	X
arjefm-1283	431	6	(	(	PUNCT
arjefm-1283	431	7	2016	2016	NUM
arjefm-1283	431	8	)	)	PUNCT
arjefm-1283	431	9	.	.	PUNCT
arjefm-1283	432	1	the	the	DET
arjefm-1283	432	2	relationship	relationship	NOUN
arjefm-1283	432	3	between	between	ADP
arjefm-1283	432	4	core	core	NOUN
arjefm-1283	432	5	capital	capital	NOUN
arjefm-1283	432	6	and	and	CCONJ
arjefm-1283	432	7	financial	financial	ADJ
arjefm-1283	432	8	performance	performance	NOUN
arjefm-1283	432	9	of	of	ADP
arjefm-1283	432	10	commercial	commercial	ADJ
arjefm-1283	432	11	banks	bank	NOUN
arjefm-1283	432	12	in	in	ADP
arjefm-1283	432	13	kenya	kenya	PROPN
arjefm-1283	432	14	.	.	PUNCT
arjefm-1283	433	1	nickolas	nickolas	PROPN
arjefm-1283	433	2	,	,	PUNCT
arjefm-1283	433	3	s	s	X
arjefm-1283	433	4	(	(	PUNCT
arjefm-1283	433	5	2020	2020	NUM
arjefm-1283	433	6	)	)	PUNCT
arjefm-1283	433	7	.	.	PUNCT
arjefm-1283	434	1	tier	tier	NOUN
arjefm-1283	434	2	1	1	NUM
arjefm-1283	434	3	capital	capital	NOUN
arjefm-1283	434	4	vs.	vs.	ADP
arjefm-1283	434	5	tier	tier	NOUN
arjefm-1283	434	6	2	2	NUM
arjefm-1283	434	7	capital	capital	NOUN
arjefm-1283	434	8	:	:	PUNCT
arjefm-1283	434	9	what	what	PRON
arjefm-1283	434	10	's	be	AUX
arjefm-1283	434	11	the	the	DET
arjefm-1283	434	12	difference	difference	NOUN
arjefm-1283	434	13	?	?	PUNCT
arjefm-1283	435	1	https://www.investopedia.com/ask/answers/043015/what-difference-between-tier-1-capitaland-tier-2-capital.asp	https://www.investopedia.com/ask/answers/043015/what-difference-between-tier-1-capitaland-tier-2-capital.asp	NOUN
arjefm-1283	435	2	odundo	odundo	PROPN
arjefm-1283	435	3	,	,	PUNCT
arjefm-1283	435	4	o.	o.	PROPN
arjefm-1283	435	5	g	g	PROPN
arjefm-1283	435	6	&	&	CCONJ
arjefm-1283	435	7	orwaru	orwaru	PROPN
arjefm-1283	435	8	,	,	PUNCT
arjefm-1283	435	9	m.j	m.j	PROPN
arjefm-1283	435	10	(	(	PUNCT
arjefm-1283	435	11	2018	2018	NUM
arjefm-1283	435	12	)	)	PUNCT
arjefm-1283	435	13	.	.	PUNCT
arjefm-1283	436	1	bank	bank	NOUN
arjefm-1283	436	2	size	size	NOUN
arjefm-1283	436	3	and	and	CCONJ
arjefm-1283	436	4	financial	financial	ADJ
arjefm-1283	436	5	stability	stability	NOUN
arjefm-1283	436	6	of	of	ADP
arjefm-1283	436	7	commercial	commercial	ADJ
arjefm-1283	436	8	banks	bank	NOUN
arjefm-1283	436	9	in	in	ADP
arjefm-1283	436	10	kenya	kenya	PROPN
arjefm-1283	436	11	:	:	PUNCT
arjefm-1283	436	12	empirical	empirical	ADJ
arjefm-1283	436	13	evidence	evidence	NOUN
arjefm-1283	436	14	.	.	PUNCT
arjefm-1283	437	1	journal	journal	NOUN
arjefm-1283	437	2	of	of	ADP
arjefm-1283	437	3	emerging	emerge	VERB
arjefm-1283	437	4	issues	issue	NOUN
arjefm-1283	437	5	in	in	ADP
arjefm-1283	437	6	economics	economic	NOUN
arjefm-1283	437	7	,	,	PUNCT
arjefm-1283	437	8	finance	finance	NOUN
arjefm-1283	437	9	and	and	CCONJ
arjefm-1283	437	10	banking	banking	NOUN
arjefm-1283	437	11	,	,	PUNCT
arjefm-1283	437	12	7(1	7(1	NUM
arjefm-1283	437	13	)	)	PUNCT
arjefm-1283	437	14	,	,	PUNCT
arjefm-1283	437	15	2667	2667	NUM
arjefm-1283	437	16	-	-	SYM
arjefm-1283	437	17	2671	2671	NUM
arjefm-1283	437	18	.	.	PUNCT
arjefm-1283	438	1	oganda	oganda	ADV
arjefm-1283	438	2	,	,	PUNCT
arjefm-1283	438	3	j	j	PROPN
arjefm-1283	438	4	(	(	PUNCT
arjefm-1283	438	5	2018	2018	NUM
arjefm-1283	438	6	)	)	PUNCT
arjefm-1283	438	7	.	.	PUNCT
arjefm-1283	439	1	effect	effect	NOUN
arjefm-1283	439	2	of	of	ADP
arjefm-1283	439	3	cash	cash	NOUN
arjefm-1283	439	4	reserves	reserve	NOUN
arjefm-1283	439	5	on	on	ADP
arjefm-1283	439	6	performance	performance	NOUN
arjefm-1283	439	7	of	of	ADP
arjefm-1283	439	8	commercial	commercial	ADJ
arjefm-1283	439	9	banks	bank	NOUN
arjefm-1283	439	10	in	in	ADP
arjefm-1283	439	11	kenya	kenya	PROPN
arjefm-1283	439	12	:	:	PUNCT
arjefm-1283	439	13	a	a	DET
arjefm-1283	439	14	comparative	comparative	ADJ
arjefm-1283	439	15	study	study	NOUN
arjefm-1283	439	16	between	between	ADP
arjefm-1283	439	17	national	national	PROPN
arjefm-1283	439	18	bank	bank	PROPN
arjefm-1283	439	19	and	and	CCONJ
arjefm-1283	439	20	equity	equity	PROPN
arjefm-1283	439	21	bank	bank	PROPN
arjefm-1283	439	22	kenya	kenya	PROPN
arjefm-1283	439	23	limited	limit	VERB
arjefm-1283	439	24	.	.	PUNCT
arjefm-1283	440	1	international	international	ADJ
arjefm-1283	440	2	journal	journal	PROPN
arjefm-1283	440	3	of	of	ADP
arjefm-1283	440	4	central	central	ADJ
arjefm-1283	440	5	banking	banking	NOUN
arjefm-1283	440	6	,	,	PUNCT
arjefm-1283	440	7	8	8	NUM
arjefm-1283	440	8	(	(	PUNCT
arjefm-1283	440	9	1	1	NUM
arjefm-1283	440	10	):	):	PUNCT
arjefm-1283	440	11	65	65	NUM
arjefm-1283	440	12	-	-	SYM
arjefm-1283	440	13	76	76	NUM
arjefm-1283	440	14	.	.	PUNCT
arjefm-1283	441	1	rabab'ah	rabab'ah	NOUN
arjefm-1283	441	2	,	,	PUNCT
arjefm-1283	441	3	m	m	PROPN
arjefm-1283	441	4	(	(	PUNCT
arjefm-1283	441	5	2015	2015	NUM
arjefm-1283	441	6	)	)	PUNCT
arjefm-1283	441	7	.	.	PUNCT
arjefm-1283	442	1	factors	factor	NOUN
arjefm-1283	442	2	affecting	affect	VERB
arjefm-1283	442	3	the	the	DET
arjefm-1283	442	4	bank	bank	NOUN
arjefm-1283	442	5	credit	credit	NOUN
arjefm-1283	442	6	:	:	PUNCT
arjefm-1283	442	7	an	an	DET
arjefm-1283	442	8	empirical	empirical	ADJ
arjefm-1283	442	9	study	study	NOUN
arjefm-1283	442	10	on	on	ADP
arjefm-1283	442	11	the	the	DET
arjefm-1283	442	12	jordanian	jordanian	ADJ
arjefm-1283	442	13	commercial	commercial	ADJ
arjefm-1283	442	14	banks	bank	NOUN
arjefm-1283	442	15	.	.	PUNCT
arjefm-1283	443	1	international	international	ADJ
arjefm-1283	443	2	journal	journal	PROPN
arjefm-1283	443	3	of	of	ADP
arjefm-1283	443	4	economics	economics	PROPN
arjefm-1283	443	5	&	&	CCONJ
arjefm-1283	443	6	finance	finance	PROPN
arjefm-1283	443	7	,	,	PUNCT
arjefm-1283	443	8	7(5	7(5	NUM
arjefm-1283	443	9	)	)	PUNCT
arjefm-1283	443	10	,	,	PUNCT
arjefm-1283	443	11	82	82	NUM
arjefm-1283	443	12	-	-	SYM
arjefm-1283	443	13	94	94	NUM
arjefm-1283	443	14	.	.	PUNCT
arjefm-1283	444	1	reichartz	reichartz	NOUN
arjefm-1283	444	2	,	,	PUNCT
arjefm-1283	444	3	m	m	VERB
arjefm-1283	444	4	(	(	PUNCT
arjefm-1283	444	5	2020	2020	NUM
arjefm-1283	444	6	)	)	PUNCT
arjefm-1283	444	7	.	.	PUNCT
arjefm-1283	445	1	what	what	PRON
arjefm-1283	445	2	is	be	AUX
arjefm-1283	445	3	tier	tier	NOUN
arjefm-1283	445	4	1	1	NUM
arjefm-1283	445	5	capital	capital	NOUN
arjefm-1283	445	6	?	?	PUNCT
arjefm-1283	446	1	definition	definition	NOUN
arjefm-1283	446	2	,	,	PUNCT
arjefm-1283	446	3	ratio	ratio	NOUN
arjefm-1283	446	4	&	&	CCONJ
arjefm-1283	446	5	core	core	PROPN
arjefm-1283	446	6	capital	capital	NOUN
arjefm-1283	446	7	.	.	PUNCT
arjefm-1283	447	1	https://study.com/academy/lesson/what-is-tier-1-capital-definition-ratio-core-capital.html	https://study.com/academy/lesson/what-is-tier-1-capital-definition-ratio-core-capital.html	PROPN
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arjefm-1283	448	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	448	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	449	1	https://www.wisegeek.com/what-is-a-statutory	https://www.wisegeek.com/what-is-a-statutory	X
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arjefm-1283	449	15	13	13	NUM
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arjefm-1283	449	18	,	,	PUNCT
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arjefm-1283	449	24	:	:	PUNCT
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arjefm-1283	449	26	-	-	SYM
arjefm-1283	449	27	9416	9416	NUM
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arjefm-1283	449	53	management	management	NOUN
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arjefm-1283	449	55	,	,	PUNCT
arjefm-1283	449	56	email	email	NOUN
arjefm-1283	449	57	:	:	PUNCT
arjefm-1283	449	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-1283	450	1	49	49	NUM
arjefm-1283	451	1	|	|	ADV
arjefm-1283	451	2	p	p	X
arjefm-1283	451	3	a	a	DET
arjefm-1283	451	4	g	g	PROPN
arjefm-1283	451	5	e	e	PROPN
arjefm-1283	451	6	raja	raja	PROPN
arjefm-1283	451	7	,	,	PUNCT
arjefm-1283	451	8	k	k	PROPN
arjefm-1283	451	9	(	(	PUNCT
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arjefm-1283	451	11	)	)	PUNCT
arjefm-1283	451	12	.	.	PUNCT
arjefm-1283	452	1	what	what	PRON
arjefm-1283	452	2	exactly	exactly	ADV
arjefm-1283	452	3	is	be	AUX
arjefm-1283	452	4	meant	mean	VERB
arjefm-1283	452	5	by	by	ADP
arjefm-1283	452	6	tier	tier	NOUN
arjefm-1283	452	7	1	1	NUM
arjefm-1283	452	8	and	and	CCONJ
arjefm-1283	452	9	tier	tier	NOUN
arjefm-1283	452	10	2	2	NUM
arjefm-1283	452	11	capital	capital	NOUN
arjefm-1283	452	12	?	?	PUNCT
arjefm-1283	453	1	https://www.quora.com/whatexactly-is-meant-by-tier-1-and-tier-2-capital	https://www.quora.com/whatexactly-is-meant-by-tier-1-and-tier-2-capital	PROPN
arjefm-1283	453	2	.	.	PUNCT
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arjefm-1283	454	2	,	,	PUNCT
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arjefm-1283	454	6	,	,	PUNCT
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arjefm-1283	454	11	)	)	PUNCT
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arjefm-1283	455	9	.	.	PUNCT
arjefm-1283	456	1	journal	journal	NOUN
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arjefm-1283	456	4	studies	study	NOUN
arjefm-1283	456	5	,	,	PUNCT
arjefm-1283	456	6	42(5	42(5	NUM
arjefm-1283	456	7	)	)	PUNCT
arjefm-1283	456	8	,	,	PUNCT
arjefm-1283	456	9	861	861	NUM
arjefm-1283	456	10	-	-	SYM
arjefm-1283	456	11	877	877	NUM
arjefm-1283	456	12	.	.	PUNCT
arjefm-1283	457	1	shires	shire	NOUN
arjefm-1283	457	2	,	,	PUNCT
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arjefm-1283	457	4	(	(	PUNCT
arjefm-1283	457	5	2018	2018	NUM
arjefm-1283	457	6	)	)	PUNCT
arjefm-1283	457	7	.	.	PUNCT
arjefm-1283	458	1	sources	source	NOUN
arjefm-1283	458	2	of	of	ADP
arjefm-1283	458	3	funds	fund	NOUN
arjefm-1283	458	4	in	in	ADP
arjefm-1283	458	5	commercial	commercial	ADJ
arjefm-1283	458	6	banks	bank	NOUN
arjefm-1283	458	7	.	.	PUNCT
arjefm-1283	459	1	https://www.sapling.com/7498318/sourcesfunds-commercial-banks	https://www.sapling.com/7498318/sourcesfunds-commercial-bank	NOUN
arjefm-1283	459	2	.	.	PUNCT
arjefm-1283	460	1	surbhi	surbhi	PROPN
arjefm-1283	460	2	s	s	PART
arjefm-1283	460	3	(	(	PUNCT
arjefm-1283	460	4	2015	2015	NUM
arjefm-1283	460	5	)	)	PUNCT
arjefm-1283	460	6	.	.	PUNCT
arjefm-1283	461	1	difference	difference	NOUN
arjefm-1283	461	2	between	between	ADP
arjefm-1283	461	3	loans	loan	NOUN
arjefm-1283	461	4	and	and	CCONJ
arjefm-1283	461	5	advances	advance	NOUN
arjefm-1283	461	6	.	.	PUNCT
arjefm-1283	462	1	ttps://keydifferences.com/differencebetween-loans-and-advances.html	ttps://keydifferences.com/differencebetween-loans-and-advances.html	NUM
arjefm-1283	462	2	swamy	swamy	NOUN
arjefm-1283	462	3	,	,	PUNCT
arjefm-1283	462	4	v.	v.	PROPN
arjefm-1283	462	5	(	(	PUNCT
arjefm-1283	462	6	2015	2015	NUM
arjefm-1283	462	7	)	)	PUNCT
arjefm-1283	462	8	,	,	PUNCT
arjefm-1283	462	9	“	"	PUNCT
arjefm-1283	462	10	modelling	model	VERB
arjefm-1283	462	11	bank	bank	NOUN
arjefm-1283	462	12	asset	asset	NOUN
arjefm-1283	462	13	quality	quality	NOUN
arjefm-1283	462	14	and	and	CCONJ
arjefm-1283	462	15	profitability	profitability	NOUN
arjefm-1283	462	16	:	:	PUNCT
arjefm-1283	462	17	an	an	DET
arjefm-1283	462	18	empirical	empirical	ADJ
arjefm-1283	462	19	assessment	assessment	NOUN
arjefm-1283	462	20	”	"	PUNCT
arjefm-1283	462	21	.	.	PUNCT
arjefm-1283	463	1	economics	economic	NOUN
arjefm-1283	463	2	discussion	discussion	NOUN
arjefm-1283	463	3	papers	paper	NOUN
arjefm-1283	463	4	,	,	PUNCT
arjefm-1283	463	5	no	no	DET
arjefm-1283	463	6	27	27	NUM
arjefm-1283	463	7	,	,	PUNCT
arjefm-1283	463	8	kiel	kiel	PROPN
arjefm-1283	463	9	institute	institute	PROPN
arjefm-1283	463	10	for	for	ADP
arjefm-1283	463	11	the	the	DET
arjefm-1283	463	12	world	world	NOUN
arjefm-1283	463	13	economy	economy	NOUN
arjefm-1283	463	14	temesegen	temesegen	PROPN
arjefm-1283	463	15	,	,	PUNCT
arjefm-1283	463	16	a	a	DET
arjefm-1283	463	17	(	(	PUNCT
arjefm-1283	463	18	2016	2016	NUM
arjefm-1283	463	19	)	)	PUNCT
arjefm-1283	463	20	.	.	PUNCT
arjefm-1283	464	1	determinants	determinant	NOUN
arjefm-1283	464	2	of	of	ADP
arjefm-1283	464	3	banks	bank	NOUN
arjefm-1283	464	4	'	'	PART
arjefm-1283	464	5	lending	lending	NOUN
arjefm-1283	464	6	behavior	behavior	NOUN
arjefm-1283	464	7	in	in	ADP
arjefm-1283	464	8	ethiopia	ethiopia	PROPN
arjefm-1283	464	9	:	:	PUNCT
arjefm-1283	464	10	pragmatic	pragmatic	ADJ
arjefm-1283	464	11	evidence	evidence	NOUN
arjefm-1283	464	12	from	from	ADP
arjefm-1283	464	13	commercial	commercial	ADJ
arjefm-1283	464	14	banks	bank	NOUN
arjefm-1283	464	15	.	.	PUNCT
arjefm-1283	465	1	international	international	ADJ
arjefm-1283	465	2	journal	journal	NOUN
arjefm-1283	465	3	of	of	ADP
arjefm-1283	465	4	marketing	marketing	NOUN
arjefm-1283	465	5	and	and	CCONJ
arjefm-1283	465	6	technology	technology	NOUN
arjefm-1283	465	7	,	,	PUNCT
arjefm-1283	465	8	4(1	4(1	NOUN
arjefm-1283	465	9	)	)	PUNCT
arjefm-1283	465	10	,	,	PUNCT
arjefm-1283	465	11	78	78	NUM
arjefm-1283	465	12	-	-	SYM
arjefm-1283	465	13	88	88	NUM
arjefm-1283	465	14	.	.	PUNCT
arjefm-1283	466	1	timsina	timsina	PROPN
arjefm-1283	466	2	,	,	PUNCT
arjefm-1283	466	3	n	n	PROPN
arjefm-1283	466	4	(	(	PUNCT
arjefm-1283	466	5	2017	2017	NUM
arjefm-1283	466	6	)	)	PUNCT
arjefm-1283	466	7	.	.	PUNCT
arjefm-1283	467	1	determinants	determinant	NOUN
arjefm-1283	467	2	of	of	ADP
arjefm-1283	467	3	bank	bank	NOUN
arjefm-1283	467	4	lending	lending	NOUN
arjefm-1283	467	5	in	in	ADP
arjefm-1283	467	6	nepal	nepal	ADJ
arjefm-1283	467	7	.	.	PUNCT
arjefm-1283	468	1	working	work	VERB
arjefm-1283	468	2	paper	paper	NOUN
arjefm-1283	468	3	presented	present	VERB
arjefm-1283	468	4	to	to	ADP
arjefm-1283	468	5	research	research	NOUN
arjefm-1283	468	6	department	department	PROPN
arjefm-1283	468	7	,	,	PUNCT
arjefm-1283	468	8	nepal	nepal	PROPN
arjefm-1283	468	9	rastra	rastra	PROPN
arjefm-1283	468	10	bank	bank	PROPN
arjefm-1283	468	11	.	.	PUNCT
arjefm-1283	469	1	udeh	udeh	PROPN
arjefm-1283	469	2	,	,	PUNCT
arjefm-1283	469	3	s.	s.	PROPN
arjefm-1283	469	4	n.	n.	PROPN
arjefm-1283	469	5	(	(	PUNCT
arjefm-1283	469	6	2015	2015	NUM
arjefm-1283	469	7	)	)	PUNCT
arjefm-1283	469	8	.	.	PUNCT
arjefm-1283	470	1	impact	impact	NOUN
arjefm-1283	470	2	of	of	ADP
arjefm-1283	470	3	monetary	monetary	ADJ
arjefm-1283	470	4	policy	policy	NOUN
arjefm-1283	470	5	instruments	instrument	NOUN
arjefm-1283	470	6	on	on	ADP
arjefm-1283	470	7	profitability	profitability	NOUN
arjefm-1283	470	8	of	of	ADP
arjefm-1283	470	9	commercial	commercial	ADJ
arjefm-1283	470	10	banks	bank	NOUN
arjefm-1283	470	11	in	in	ADP
arjefm-1283	470	12	nigeria	nigeria	PROPN
arjefm-1283	470	13	:	:	PUNCT
arjefm-1283	470	14	zenith	zenith	PROPN
arjefm-1283	470	15	bank	bank	PROPN
arjefm-1283	470	16	experience	experience	NOUN
arjefm-1283	470	17	.	.	PUNCT
arjefm-1283	471	1	research	research	NOUN
arjefm-1283	471	2	journal	journal	PROPN
arjefm-1283	471	3	of	of	ADP
arjefm-1283	471	4	finance	finance	NOUN
arjefm-1283	471	5	and	and	CCONJ
arjefm-1283	471	6	accounting	accounting	NOUN
arjefm-1283	471	7	,	,	PUNCT
arjefm-1283	471	8	6(10	6(10	NUM
arjefm-1283	471	9	)	)	PUNCT
arjefm-1283	471	10	,	,	PUNCT
arjefm-1283	471	11	190205	190205	NUM
arjefm-1283	471	12	.	.	PUNCT
arjefm-1283	472	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	472	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-1283	473	1	https://www.quora.com/profile/karthik-raja-924	https://www.quora.com/profile/karthik-raja-924	PROPN
arjefm-1283	473	2	https://www.sapling.com/7498318/sources-funds-commercial-banks	https://www.sapling.com/7498318/sources-funds-commercial-banks	PROPN
arjefm-1283	473	3	https://www.sapling.com/7498318/sources-funds-commercial-banks	https://www.sapling.com/7498318/sources-funds-commercial-bank	NOUN
arjefm-1283	473	4	https://keydifferences.com/author/surbhi	https://keydifferences.com/author/surbhi	VERB