id	sid	tid	token	lemma	pos
arjefm-69	1	1	american	american	PROPN
arjefm-69	1	2	research	research	PROPN
arjefm-69	1	3	journal	journal	PROPN
arjefm-69	1	4	of	of	ADP
arjefm-69	1	5	economics	economic	NOUN
arjefm-69	1	6	,	,	PUNCT
arjefm-69	1	7	finance	finance	NOUN
arjefm-69	1	8	and	and	CCONJ
arjefm-69	1	9	management	management	NOUN
arjefm-69	1	10	volume	volume	NOUN
arjefm-69	1	11	10	10	NUM
arjefm-69	1	12	issue	issue	NOUN
arjefm-69	1	13	3	3	NUM
arjefm-69	1	14	,	,	PUNCT
arjefm-69	1	15	july	july	PROPN
arjefm-69	1	16	-	-	PUNCT
arjefm-69	1	17	september	september	PROPN
arjefm-69	1	18	2022	2022	NUM
arjefm-69	1	19	issn	issn	NOUN
arjefm-69	1	20	:	:	PUNCT
arjefm-69	1	21	2836	2836	NUM
arjefm-69	1	22	-	-	SYM
arjefm-69	1	23	9416	9416	NUM
arjefm-69	1	24	impact	impact	NOUN
arjefm-69	1	25	factor	factor	NOUN
arjefm-69	1	26	:	:	PUNCT
arjefm-69	1	27	4.85	4.85	NUM
arjefm-69	1	28	journal	journal	NOUN
arjefm-69	1	29	homepage	homepage	NOUN
arjefm-69	1	30	:	:	PUNCT
arjefm-69	1	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	1	32	,	,	PUNCT
arjefm-69	1	33	email	email	NOUN
arjefm-69	1	34	:	:	PUNCT
arjefm-69	1	35	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	1	36	official	official	ADJ
arjefm-69	1	37	journal	journal	PROPN
arjefm-69	1	38	of	of	ADP
arjefm-69	1	39	america	america	PROPN
arjefm-69	1	40	serial	serial	PROPN
arjefm-69	1	41	publication	publication	NOUN
arjefm-69	1	42	american	american	PROPN
arjefm-69	1	43	research	research	PROPN
arjefm-69	1	44	journal	journal	PROPN
arjefm-69	1	45	of	of	ADP
arjefm-69	1	46	economics	economic	NOUN
arjefm-69	1	47	,	,	PUNCT
arjefm-69	1	48	finance	finance	NOUN
arjefm-69	1	49	and	and	CCONJ
arjefm-69	1	50	management	management	NOUN
arjefm-69	1	51	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	1	52	,	,	PUNCT
arjefm-69	1	53	email	email	NOUN
arjefm-69	1	54	:	:	PUNCT
arjefm-69	2	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	2	2	1	1	NUM
arjefm-69	3	1	|	|	ADV
arjefm-69	3	2	p	p	X
arjefm-69	3	3	a	a	DET
arjefm-69	3	4	g	g	NOUN
arjefm-69	3	5	e	e	NOUN
arjefm-69	3	6	analyzing	analyze	VERB
arjefm-69	3	7	the	the	DET
arjefm-69	3	8	implications	implication	NOUN
arjefm-69	3	9	of	of	ADP
arjefm-69	3	10	raising	raise	VERB
arjefm-69	3	11	paid	pay	VERB
arjefm-69	3	12	-	-	PUNCT
arjefm-69	3	13	up	up	ADP
arjefm-69	3	14	capital	capital	NOUN
arjefm-69	3	15	for	for	ADP
arjefm-69	3	16	commercial	commercial	ADJ
arjefm-69	3	17	banks	bank	NOUN
arjefm-69	3	18	in	in	ADP
arjefm-69	3	19	developing	develop	VERB
arjefm-69	3	20	economies	economy	NOUN
arjefm-69	3	21	:	:	PUNCT
arjefm-69	3	22	a	a	DET
arjefm-69	3	23	nepalese	nepalese	ADJ
arjefm-69	3	24	perspective	perspective	NOUN
arjefm-69	3	25	"	"	PUNCT
arjefm-69	3	26	dr	dr	PROPN
arjefm-69	3	27	.	.	PROPN
arjefm-69	3	28	rachel	rachel	PROPN
arjefm-69	3	29	u.	u.	PROPN
arjefm-69	3	30	kent	kent	PROPN
arjefm-69	3	31	and	and	CCONJ
arjefm-69	3	32	dr	dr	PROPN
arjefm-69	3	33	.	.	PROPN
arjefm-69	3	34	akhilesh	akhilesh	PROPN
arjefm-69	3	35	s.	s.	PROPN
arjefm-69	3	36	bajaj	bajaj	PROPN
arjefm-69	3	37	the	the	DET
arjefm-69	3	38	university	university	PROPN
arjefm-69	3	39	of	of	ADP
arjefm-69	3	40	tulsa	tulsa	PROPN
arjefm-69	3	41	,	,	PUNCT
arjefm-69	3	42	tulsa	tulsa	PROPN
arjefm-69	3	43	,	,	PUNCT
arjefm-69	3	44	ok	ok	PROPN
arjefm-69	3	45	,	,	PUNCT
arjefm-69	3	46	usa	usa	PROPN
arjefm-69	3	47	abstract	abstract	NOUN
arjefm-69	3	48	:	:	PUNCT
arjefm-69	3	49	commercial	commercial	ADJ
arjefm-69	3	50	banks	bank	NOUN
arjefm-69	3	51	hold	hold	VERB
arjefm-69	3	52	a	a	DET
arjefm-69	3	53	pivotal	pivotal	ADJ
arjefm-69	3	54	role	role	NOUN
arjefm-69	3	55	in	in	ADP
arjefm-69	3	56	driving	drive	VERB
arjefm-69	3	57	economic	economic	ADJ
arjefm-69	3	58	growth	growth	NOUN
arjefm-69	3	59	within	within	ADP
arjefm-69	3	60	developing	develop	VERB
arjefm-69	3	61	countries	country	NOUN
arjefm-69	3	62	by	by	ADP
arjefm-69	3	63	serving	serve	VERB
arjefm-69	3	64	as	as	ADP
arjefm-69	3	65	essential	essential	ADJ
arjefm-69	3	66	financial	financial	ADJ
arjefm-69	3	67	intermediaries	intermediary	NOUN
arjefm-69	3	68	.	.	PUNCT
arjefm-69	4	1	in	in	ADP
arjefm-69	4	2	regions	region	NOUN
arjefm-69	4	3	where	where	SCONJ
arjefm-69	4	4	a	a	DET
arjefm-69	4	5	substantial	substantial	ADJ
arjefm-69	4	6	portion	portion	NOUN
arjefm-69	4	7	of	of	ADP
arjefm-69	4	8	the	the	DET
arjefm-69	4	9	population	population	NOUN
arjefm-69	4	10	depends	depend	VERB
arjefm-69	4	11	on	on	ADP
arjefm-69	4	12	low	low	ADJ
arjefm-69	4	13	-	-	PUNCT
arjefm-69	4	14	wage	wage	NOUN
arjefm-69	4	15	livelihoods	livelihood	NOUN
arjefm-69	4	16	,	,	PUNCT
arjefm-69	4	17	particularly	particularly	ADV
arjefm-69	4	18	in	in	ADP
arjefm-69	4	19	traditional	traditional	ADJ
arjefm-69	4	20	agriculture	agriculture	NOUN
arjefm-69	4	21	,	,	PUNCT
arjefm-69	4	22	commercial	commercial	ADJ
arjefm-69	4	23	banks	bank	NOUN
arjefm-69	4	24	are	be	AUX
arjefm-69	4	25	instrumental	instrumental	ADJ
arjefm-69	4	26	in	in	ADP
arjefm-69	4	27	supplying	supply	VERB
arjefm-69	4	28	vital	vital	ADJ
arjefm-69	4	29	capital	capital	NOUN
arjefm-69	4	30	for	for	ADP
arjefm-69	4	31	infrastructure	infrastructure	NOUN
arjefm-69	4	32	development	development	NOUN
arjefm-69	4	33	and	and	CCONJ
arjefm-69	4	34	the	the	DET
arjefm-69	4	35	establishment	establishment	NOUN
arjefm-69	4	36	of	of	ADP
arjefm-69	4	37	new	new	ADJ
arjefm-69	4	38	businesses	business	NOUN
arjefm-69	4	39	.	.	PUNCT
arjefm-69	5	1	term	term	NOUN
arjefm-69	5	2	loans	loan	NOUN
arjefm-69	5	3	serve	serve	VERB
arjefm-69	5	4	as	as	ADP
arjefm-69	5	5	a	a	DET
arjefm-69	5	6	primary	primary	ADJ
arjefm-69	5	7	mechanism	mechanism	NOUN
arjefm-69	5	8	through	through	ADP
arjefm-69	5	9	which	which	PRON
arjefm-69	5	10	these	these	DET
arjefm-69	5	11	banks	bank	NOUN
arjefm-69	5	12	channel	channel	VERB
arjefm-69	5	13	funds	fund	NOUN
arjefm-69	5	14	to	to	ADP
arjefm-69	5	15	businesses	business	NOUN
arjefm-69	5	16	,	,	PUNCT
arjefm-69	5	17	but	but	CCONJ
arjefm-69	5	18	efficient	efficient	ADJ
arjefm-69	5	19	asset	asset	NOUN
arjefm-69	5	20	management	management	NOUN
arjefm-69	5	21	and	and	CCONJ
arjefm-69	5	22	loan	loan	NOUN
arjefm-69	5	23	collection	collection	NOUN
arjefm-69	5	24	pose	pose	VERB
arjefm-69	5	25	continuous	continuous	ADJ
arjefm-69	5	26	challenges	challenge	NOUN
arjefm-69	5	27	for	for	ADP
arjefm-69	5	28	commercial	commercial	ADJ
arjefm-69	5	29	banks	bank	NOUN
arjefm-69	5	30	in	in	ADP
arjefm-69	5	31	developing	develop	VERB
arjefm-69	5	32	nations	nation	NOUN
arjefm-69	5	33	.	.	PUNCT
arjefm-69	6	1	this	this	DET
arjefm-69	6	2	paper	paper	NOUN
arjefm-69	6	3	focuses	focus	VERB
arjefm-69	6	4	on	on	ADP
arjefm-69	6	5	the	the	DET
arjefm-69	6	6	context	context	NOUN
arjefm-69	6	7	of	of	ADP
arjefm-69	6	8	nepal	nepal	NOUN
arjefm-69	6	9	,	,	PUNCT
arjefm-69	6	10	tracing	trace	VERB
arjefm-69	6	11	the	the	DET
arjefm-69	6	12	evolution	evolution	NOUN
arjefm-69	6	13	of	of	ADP
arjefm-69	6	14	commercial	commercial	ADJ
arjefm-69	6	15	banking	banking	NOUN
arjefm-69	6	16	from	from	ADP
arjefm-69	6	17	its	its	PRON
arjefm-69	6	18	inception	inception	NOUN
arjefm-69	6	19	with	with	ADP
arjefm-69	6	20	nepal	nepal	PROPN
arjefm-69	6	21	bank	bank	PROPN
arjefm-69	6	22	ltd	ltd	PROPN
arjefm-69	6	23	.	.	PROPN
arjefm-69	6	24	in	in	ADP
arjefm-69	6	25	1937	1937	NUM
arjefm-69	6	26	to	to	ADP
arjefm-69	6	27	the	the	DET
arjefm-69	6	28	substantial	substantial	ADJ
arjefm-69	6	29	entry	entry	NOUN
arjefm-69	6	30	of	of	ADP
arjefm-69	6	31	the	the	DET
arjefm-69	6	32	private	private	ADJ
arjefm-69	6	33	sector	sector	NOUN
arjefm-69	6	34	in	in	ADP
arjefm-69	6	35	the	the	DET
arjefm-69	6	36	1990s	1990s	NUM
arjefm-69	6	37	.	.	PUNCT
arjefm-69	7	1	nepal	nepal	PROPN
arjefm-69	7	2	rastra	rastra	PROPN
arjefm-69	7	3	bank	bank	PROPN
arjefm-69	7	4	(	(	PUNCT
arjefm-69	7	5	nrb	nrb	PROPN
arjefm-69	7	6	)	)	PUNCT
arjefm-69	7	7	acts	act	NOUN
arjefm-69	7	8	as	as	ADP
arjefm-69	7	9	the	the	DET
arjefm-69	7	10	central	central	ADJ
arjefm-69	7	11	bank	bank	NOUN
arjefm-69	7	12	overseeing	oversee	VERB
arjefm-69	7	13	monetary	monetary	ADJ
arjefm-69	7	14	policy	policy	NOUN
arjefm-69	7	15	regulation	regulation	NOUN
arjefm-69	7	16	.	.	PUNCT
arjefm-69	8	1	as	as	ADP
arjefm-69	8	2	of	of	ADP
arjefm-69	8	3	2018	2018	NUM
arjefm-69	8	4	,	,	PUNCT
arjefm-69	8	5	nepal	nepal	PROPN
arjefm-69	8	6	hosted	host	VERB
arjefm-69	8	7	28	28	NUM
arjefm-69	8	8	commercial	commercial	ADJ
arjefm-69	8	9	banks	bank	NOUN
arjefm-69	8	10	,	,	PUNCT
arjefm-69	8	11	categorized	categorize	VERB
arjefm-69	8	12	into	into	ADP
arjefm-69	8	13	public	public	ADJ
arjefm-69	8	14	sector	sector	NOUN
arjefm-69	8	15	,	,	PUNCT
arjefm-69	8	16	joint	joint	ADJ
arjefm-69	8	17	venture	venture	NOUN
arjefm-69	8	18	,	,	PUNCT
arjefm-69	8	19	and	and	CCONJ
arjefm-69	8	20	domestic	domestic	ADJ
arjefm-69	8	21	private	private	ADJ
arjefm-69	8	22	banks	bank	NOUN
arjefm-69	8	23	.	.	PUNCT
arjefm-69	9	1	historically	historically	ADV
arjefm-69	9	2	,	,	PUNCT
arjefm-69	9	3	public	public	ADJ
arjefm-69	9	4	sector	sector	NOUN
arjefm-69	9	5	banks	bank	NOUN
arjefm-69	9	6	have	have	AUX
arjefm-69	9	7	dominated	dominate	VERB
arjefm-69	9	8	loan	loan	NOUN
arjefm-69	9	9	distribution	distribution	NOUN
arjefm-69	9	10	,	,	PUNCT
arjefm-69	9	11	but	but	CCONJ
arjefm-69	9	12	their	their	PRON
arjefm-69	9	13	performance	performance	NOUN
arjefm-69	9	14	has	have	AUX
arjefm-69	9	15	lagged	lag	VERB
arjefm-69	9	16	considerably	considerably	ADV
arjefm-69	9	17	behind	behind	ADP
arjefm-69	9	18	joint	joint	ADJ
arjefm-69	9	19	-	-	PUNCT
arjefm-69	9	20	venture	venture	NOUN
arjefm-69	9	21	and	and	CCONJ
arjefm-69	9	22	domestic	domestic	ADJ
arjefm-69	9	23	private	private	ADJ
arjefm-69	9	24	banks	bank	NOUN
arjefm-69	9	25	,	,	PUNCT
arjefm-69	9	26	which	which	PRON
arjefm-69	9	27	exhibit	exhibit	VERB
arjefm-69	9	28	similar	similar	ADJ
arjefm-69	9	29	performance	performance	NOUN
arjefm-69	9	30	metrics	metric	NOUN
arjefm-69	9	31	.	.	PUNCT
arjefm-69	10	1	this	this	DET
arjefm-69	10	2	research	research	NOUN
arjefm-69	10	3	delves	delve	VERB
arjefm-69	10	4	into	into	ADP
arjefm-69	10	5	the	the	DET
arjefm-69	10	6	dynamics	dynamic	NOUN
arjefm-69	10	7	of	of	ADP
arjefm-69	10	8	commercial	commercial	ADJ
arjefm-69	10	9	banking	banking	NOUN
arjefm-69	10	10	in	in	ADP
arjefm-69	10	11	nepal	nepal	ADJ
arjefm-69	10	12	,	,	PUNCT
arjefm-69	10	13	shedding	shed	VERB
arjefm-69	10	14	light	light	NOUN
arjefm-69	10	15	on	on	ADP
arjefm-69	10	16	the	the	DET
arjefm-69	10	17	disparities	disparity	NOUN
arjefm-69	10	18	in	in	ADP
arjefm-69	10	19	performance	performance	NOUN
arjefm-69	10	20	and	and	CCONJ
arjefm-69	10	21	the	the	DET
arjefm-69	10	22	implications	implication	NOUN
arjefm-69	10	23	for	for	ADP
arjefm-69	10	24	economic	economic	ADJ
arjefm-69	10	25	growth	growth	NOUN
arjefm-69	10	26	and	and	CCONJ
arjefm-69	10	27	financial	financial	ADJ
arjefm-69	10	28	stability	stability	NOUN
arjefm-69	10	29	in	in	ADP
arjefm-69	10	30	the	the	DET
arjefm-69	10	31	region	region	NOUN
arjefm-69	10	32	.	.	PUNCT
arjefm-69	11	1	keywords	keyword	NOUN
arjefm-69	11	2	:	:	PUNCT
arjefm-69	11	3	commercial	commercial	ADJ
arjefm-69	11	4	banks	bank	NOUN
arjefm-69	11	5	,	,	PUNCT
arjefm-69	11	6	economic	economic	ADJ
arjefm-69	11	7	growth	growth	NOUN
arjefm-69	11	8	,	,	PUNCT
arjefm-69	11	9	nepal	nepal	ADJ
arjefm-69	11	10	,	,	PUNCT
arjefm-69	11	11	asset	asset	NOUN
arjefm-69	11	12	management	management	NOUN
arjefm-69	11	13	,	,	PUNCT
arjefm-69	11	14	loan	loan	NOUN
arjefm-69	11	15	collection	collection	NOUN
arjefm-69	11	16	.	.	PUNCT
arjefm-69	12	1	1	1	X
arjefm-69	12	2	.	.	X
arjefm-69	12	3	introduction	introduction	NOUN
arjefm-69	12	4	commercial	commercial	ADJ
arjefm-69	12	5	banks	bank	NOUN
arjefm-69	12	6	play	play	VERB
arjefm-69	12	7	a	a	DET
arjefm-69	12	8	very	very	ADV
arjefm-69	12	9	important	important	ADJ
arjefm-69	12	10	role	role	NOUN
arjefm-69	12	11	as	as	ADP
arjefm-69	12	12	financial	financial	ADJ
arjefm-69	12	13	intermediaries	intermediary	NOUN
arjefm-69	12	14	in	in	ADP
arjefm-69	12	15	promoting	promote	VERB
arjefm-69	12	16	economic	economic	ADJ
arjefm-69	12	17	growth	growth	NOUN
arjefm-69	12	18	in	in	ADP
arjefm-69	12	19	developing	develop	VERB
arjefm-69	12	20	countries	country	NOUN
arjefm-69	12	21	.	.	PUNCT
arjefm-69	13	1	this	this	PRON
arjefm-69	13	2	is	be	AUX
arjefm-69	13	3	because	because	SCONJ
arjefm-69	13	4	the	the	DET
arjefm-69	13	5	majority	majority	NOUN
arjefm-69	13	6	of	of	ADP
arjefm-69	13	7	the	the	DET
arjefm-69	13	8	population	population	NOUN
arjefm-69	13	9	in	in	ADP
arjefm-69	13	10	these	these	DET
arjefm-69	13	11	areas	area	NOUN
arjefm-69	13	12	lives	live	VERB
arjefm-69	13	13	on	on	ADP
arjefm-69	13	14	low	low	ADJ
arjefm-69	13	15	wages	wage	NOUN
arjefm-69	13	16	,	,	PUNCT
arjefm-69	13	17	and	and	CCONJ
arjefm-69	13	18	is	be	AUX
arjefm-69	13	19	engaged	engage	VERB
arjefm-69	13	20	in	in	ADP
arjefm-69	13	21	traditional	traditional	ADJ
arjefm-69	13	22	agriculture	agriculture	NOUN
arjefm-69	13	23	.	.	PUNCT
arjefm-69	14	1	because	because	SCONJ
arjefm-69	14	2	of	of	ADP
arjefm-69	14	3	their	their	PRON
arjefm-69	14	4	size	size	NOUN
arjefm-69	14	5	,	,	PUNCT
arjefm-69	14	6	commercial	commercial	ADJ
arjefm-69	14	7	banks	bank	NOUN
arjefm-69	14	8	provide	provide	VERB
arjefm-69	14	9	critical	critical	ADJ
arjefm-69	14	10	capital	capital	NOUN
arjefm-69	14	11	needed	need	VERB
arjefm-69	14	12	to	to	PART
arjefm-69	14	13	develop	develop	VERB
arjefm-69	14	14	and	and	CCONJ
arjefm-69	14	15	maintain	maintain	VERB
arjefm-69	14	16	infrastructure	infrastructure	NOUN
arjefm-69	14	17	as	as	ADV
arjefm-69	14	18	well	well	ADV
arjefm-69	14	19	as	as	ADP
arjefm-69	14	20	to	to	PART
arjefm-69	14	21	create	create	VERB
arjefm-69	14	22	new	new	ADJ
arjefm-69	14	23	businesses	business	NOUN
arjefm-69	14	24	(	(	PUNCT
arjefm-69	14	25	beck	beck	NOUN
arjefm-69	14	26	,	,	PUNCT
arjefm-69	14	27	demirgüç	demirgüç	PROPN
arjefm-69	14	28	-	-	PUNCT
arjefm-69	14	29	kunt	kunt	PROPN
arjefm-69	14	30	,	,	PUNCT
arjefm-69	14	31	&	&	CCONJ
arjefm-69	14	32	levine	levine	PROPN
arjefm-69	14	33	,	,	PUNCT
arjefm-69	14	34	2010	2010	NUM
arjefm-69	14	35	)	)	PUNCT
arjefm-69	14	36	.	.	PUNCT
arjefm-69	15	1	term	term	NOUN
arjefm-69	15	2	loans	loan	NOUN
arjefm-69	15	3	are	be	AUX
arjefm-69	15	4	often	often	ADV
arjefm-69	15	5	the	the	DET
arjefm-69	15	6	instrument	instrument	NOUN
arjefm-69	15	7	used	use	VERB
arjefm-69	15	8	to	to	PART
arjefm-69	15	9	channel	channel	VERB
arjefm-69	15	10	money	money	NOUN
arjefm-69	15	11	from	from	ADP
arjefm-69	15	12	the	the	DET
arjefm-69	15	13	banks	bank	NOUN
arjefm-69	15	14	to	to	ADP
arjefm-69	15	15	businesses	business	NOUN
arjefm-69	15	16	and	and	CCONJ
arjefm-69	15	17	asset	asset	NOUN
arjefm-69	15	18	management	management	NOUN
arjefm-69	15	19	or	or	CCONJ
arjefm-69	15	20	loan	loan	NOUN
arjefm-69	15	21	collection	collection	NOUN
arjefm-69	15	22	is	be	AUX
arjefm-69	15	23	an	an	DET
arjefm-69	15	24	ongoing	ongoing	ADJ
arjefm-69	15	25	issue	issue	NOUN
arjefm-69	15	26	with	with	ADP
arjefm-69	15	27	commercial	commercial	ADJ
arjefm-69	15	28	banks	bank	NOUN
arjefm-69	15	29	in	in	ADP
arjefm-69	15	30	developing	develop	VERB
arjefm-69	15	31	countries	country	NOUN
arjefm-69	15	32	(	(	PUNCT
arjefm-69	15	33	dziobek	dziobek	PROPN
arjefm-69	15	34	&	&	CCONJ
arjefm-69	15	35	pazarbasioglu	pazarbasioglu	PROPN
arjefm-69	15	36	,	,	PUNCT
arjefm-69	15	37	1997	1997	NUM
arjefm-69	15	38	;	;	PUNCT
arjefm-69	15	39	gizaw	gizaw	NOUN
arjefm-69	15	40	,	,	PUNCT
arjefm-69	15	41	kebede	kebede	PROPN
arjefm-69	15	42	,	,	PUNCT
arjefm-69	15	43	&	&	CCONJ
arjefm-69	15	44	selvaraj	selvaraj	PROPN
arjefm-69	15	45	,	,	PUNCT
arjefm-69	15	46	2015	2015	NUM
arjefm-69	15	47	)	)	PUNCT
arjefm-69	15	48	.	.	PUNCT
arjefm-69	16	1	in	in	ADP
arjefm-69	16	2	the	the	DET
arjefm-69	16	3	case	case	NOUN
arjefm-69	16	4	of	of	ADP
arjefm-69	16	5	nepal	nepal	ADJ
arjefm-69	16	6	,	,	PUNCT
arjefm-69	16	7	commercial	commercial	ADJ
arjefm-69	16	8	banking	banking	NOUN
arjefm-69	16	9	began	begin	VERB
arjefm-69	16	10	in	in	ADP
arjefm-69	16	11	1937	1937	NUM
arjefm-69	16	12	with	with	ADP
arjefm-69	16	13	the	the	DET
arjefm-69	16	14	formation	formation	NOUN
arjefm-69	16	15	of	of	ADP
arjefm-69	16	16	nepal	nepal	PROPN
arjefm-69	16	17	bank	bank	PROPN
arjefm-69	16	18	ltd	ltd	PROPN
arjefm-69	16	19	.	.	PROPN
arjefm-69	17	1	(	(	PUNCT
arjefm-69	17	2	baral	baral	ADJ
arjefm-69	17	3	,	,	PUNCT
arjefm-69	17	4	2005	2005	NUM
arjefm-69	17	5	)	)	PUNCT
arjefm-69	17	6	,	,	PUNCT
arjefm-69	17	7	with	with	ADP
arjefm-69	17	8	the	the	DET
arjefm-69	17	9	private	private	ADJ
arjefm-69	17	10	sector	sector	NOUN
arjefm-69	17	11	entering	enter	VERB
arjefm-69	17	12	the	the	DET
arjefm-69	17	13	market	market	NOUN
arjefm-69	17	14	on	on	ADP
arjefm-69	17	15	a	a	DET
arjefm-69	17	16	large	large	ADJ
arjefm-69	17	17	scale	scale	NOUN
arjefm-69	17	18	in	in	ADP
arjefm-69	17	19	the	the	DET
arjefm-69	17	20	1990	1990	NUM
arjefm-69	17	21	-	-	PUNCT
arjefm-69	17	22	s.	s.	PROPN
arjefm-69	17	23	the	the	DET
arjefm-69	17	24	nepal	nepal	PROPN
arjefm-69	17	25	rastra	rastra	PROPN
arjefm-69	17	26	bank	bank	PROPN
arjefm-69	17	27	(	(	PUNCT
arjefm-69	17	28	nrb	nrb	PROPN
arjefm-69	17	29	)	)	PUNCT
arjefm-69	17	30	serves	serve	VERB
arjefm-69	17	31	as	as	ADP
arjefm-69	17	32	the	the	DET
arjefm-69	17	33	national	national	ADJ
arjefm-69	17	34	or	or	CCONJ
arjefm-69	17	35	central	central	ADJ
arjefm-69	17	36	bank	bank	NOUN
arjefm-69	17	37	that	that	PRON
arjefm-69	17	38	regulates	regulate	VERB
arjefm-69	17	39	monetary	monetary	ADJ
arjefm-69	17	40	policy	policy	NOUN
arjefm-69	17	41	.	.	PUNCT
arjefm-69	18	1	there	there	PRON
arjefm-69	18	2	were	be	VERB
arjefm-69	18	3	28	28	NUM
arjefm-69	18	4	commercial	commercial	ADJ
arjefm-69	18	5	banks	bank	NOUN
arjefm-69	18	6	as	as	ADP
arjefm-69	18	7	of	of	ADP
arjefm-69	18	8	2018	2018	NUM
arjefm-69	18	9	(	(	PUNCT
arjefm-69	18	10	gnawali	gnawali	VERB
arjefm-69	18	11	,	,	PUNCT
arjefm-69	18	12	2018	2018	NUM
arjefm-69	18	13	)	)	PUNCT
arjefm-69	18	14	,	,	PUNCT
arjefm-69	18	15	which	which	PRON
arjefm-69	18	16	may	may	AUX
arjefm-69	18	17	be	be	AUX
arjefm-69	18	18	broadly	broadly	ADV
arjefm-69	18	19	divided	divide	VERB
arjefm-69	18	20	into	into	ADP
arjefm-69	18	21	public	public	ADJ
arjefm-69	18	22	sector	sector	NOUN
arjefm-69	18	23	banks	bank	NOUN
arjefm-69	18	24	,	,	PUNCT
arjefm-69	18	25	joint	joint	ADJ
arjefm-69	18	26	venture	venture	NOUN
arjefm-69	18	27	banks	bank	NOUN
arjefm-69	18	28	and	and	CCONJ
arjefm-69	18	29	domestic	domestic	ADJ
arjefm-69	18	30	private	private	ADJ
arjefm-69	18	31	banks	bank	NOUN
arjefm-69	18	32	.	.	PUNCT
arjefm-69	19	1	while	while	SCONJ
arjefm-69	19	2	the	the	DET
arjefm-69	19	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	19	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	19	5	american	american	PROPN
arjefm-69	19	6	research	research	PROPN
arjefm-69	19	7	journal	journal	PROPN
arjefm-69	19	8	of	of	ADP
arjefm-69	19	9	economics	economic	NOUN
arjefm-69	19	10	,	,	PUNCT
arjefm-69	19	11	finance	finance	NOUN
arjefm-69	19	12	and	and	CCONJ
arjefm-69	19	13	management	management	NOUN
arjefm-69	19	14	volume	volume	NOUN
arjefm-69	19	15	10	10	NUM
arjefm-69	19	16	issue	issue	NOUN
arjefm-69	19	17	3	3	NUM
arjefm-69	19	18	,	,	PUNCT
arjefm-69	19	19	july	july	PROPN
arjefm-69	19	20	-	-	PUNCT
arjefm-69	19	21	september	september	PROPN
arjefm-69	19	22	2022	2022	NUM
arjefm-69	19	23	issn	issn	NOUN
arjefm-69	19	24	:	:	PUNCT
arjefm-69	19	25	2836	2836	NUM
arjefm-69	19	26	-	-	SYM
arjefm-69	19	27	9416	9416	NUM
arjefm-69	19	28	impact	impact	NOUN
arjefm-69	19	29	factor	factor	NOUN
arjefm-69	19	30	:	:	PUNCT
arjefm-69	19	31	4.85	4.85	NUM
arjefm-69	19	32	journal	journal	NOUN
arjefm-69	19	33	homepage	homepage	NOUN
arjefm-69	19	34	:	:	PUNCT
arjefm-69	19	35	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	19	36	,	,	PUNCT
arjefm-69	19	37	email	email	NOUN
arjefm-69	19	38	:	:	PUNCT
arjefm-69	19	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	19	40	official	official	ADJ
arjefm-69	19	41	journal	journal	PROPN
arjefm-69	19	42	of	of	ADP
arjefm-69	19	43	america	america	PROPN
arjefm-69	19	44	serial	serial	PROPN
arjefm-69	19	45	publication	publication	NOUN
arjefm-69	19	46	american	american	PROPN
arjefm-69	19	47	research	research	PROPN
arjefm-69	19	48	journal	journal	PROPN
arjefm-69	19	49	of	of	ADP
arjefm-69	19	50	economics	economic	NOUN
arjefm-69	19	51	,	,	PUNCT
arjefm-69	19	52	finance	finance	NOUN
arjefm-69	19	53	and	and	CCONJ
arjefm-69	19	54	management	management	NOUN
arjefm-69	19	55	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	19	56	,	,	PUNCT
arjefm-69	19	57	email	email	NOUN
arjefm-69	19	58	:	:	PUNCT
arjefm-69	19	59	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	19	60	2	2	NUM
arjefm-69	20	1	|	|	ADV
arjefm-69	20	2	p	p	X
arjefm-69	20	3	a	a	DET
arjefm-69	20	4	g	g	NOUN
arjefm-69	20	5	e	e	ADP
arjefm-69	20	6	public	public	ADJ
arjefm-69	20	7	sector	sector	NOUN
arjefm-69	20	8	banks	bank	NOUN
arjefm-69	20	9	have	have	AUX
arjefm-69	20	10	historically	historically	ADV
arjefm-69	20	11	enjoyed	enjoy	VERB
arjefm-69	20	12	the	the	DET
arjefm-69	20	13	largest	large	ADJ
arjefm-69	20	14	share	share	NOUN
arjefm-69	20	15	of	of	ADP
arjefm-69	20	16	loans	loan	NOUN
arjefm-69	20	17	,	,	PUNCT
arjefm-69	20	18	they	they	PRON
arjefm-69	20	19	have	have	AUX
arjefm-69	20	20	also	also	ADV
arjefm-69	20	21	historically	historically	ADV
arjefm-69	20	22	significantly	significantly	ADV
arjefm-69	20	23	underperformed	underperformed	ADJ
arjefm-69	20	24	compared	compare	VERB
arjefm-69	20	25	to	to	ADP
arjefm-69	20	26	joint	joint	ADJ
arjefm-69	20	27	-	-	PUNCT
arjefm-69	20	28	venture	venture	NOUN
arjefm-69	20	29	and	and	CCONJ
arjefm-69	20	30	domestic	domestic	ADJ
arjefm-69	20	31	private	private	ADJ
arjefm-69	20	32	banks	bank	NOUN
arjefm-69	20	33	,	,	PUNCT
arjefm-69	20	34	both	both	PRON
arjefm-69	20	35	of	of	ADP
arjefm-69	20	36	which	which	PRON
arjefm-69	20	37	were	be	AUX
arjefm-69	20	38	found	find	VERB
arjefm-69	20	39	to	to	PART
arjefm-69	20	40	be	be	AUX
arjefm-69	20	41	similar	similar	ADJ
arjefm-69	20	42	in	in	ADP
arjefm-69	20	43	performance	performance	NOUN
arjefm-69	20	44	(	(	PUNCT
arjefm-69	20	45	jha	jha	PROPN
arjefm-69	20	46	&	&	CCONJ
arjefm-69	20	47	hui	hui	PROPN
arjefm-69	20	48	,	,	PUNCT
arjefm-69	20	49	2012	2012	NUM
arjefm-69	20	50	)	)	PUNCT
arjefm-69	20	51	.	.	PUNCT
arjefm-69	21	1	many	many	ADJ
arjefm-69	21	2	developing	develop	VERB
arjefm-69	21	3	countries	country	NOUN
arjefm-69	21	4	,	,	PUNCT
arjefm-69	21	5	including	include	VERB
arjefm-69	21	6	nepal	nepal	ADJ
arjefm-69	21	7	,	,	PUNCT
arjefm-69	21	8	have	have	AUX
arjefm-69	21	9	attempted	attempt	VERB
arjefm-69	21	10	systemic	systemic	ADJ
arjefm-69	21	11	bank	bank	NOUN
arjefm-69	21	12	restructuring	restructure	VERB
arjefm-69	21	13	over	over	ADP
arjefm-69	21	14	the	the	DET
arjefm-69	21	15	last	last	ADJ
arjefm-69	21	16	few	few	ADJ
arjefm-69	21	17	decades	decade	NOUN
arjefm-69	21	18	(	(	PUNCT
arjefm-69	21	19	pazarbaşioğlu	pazarbaşioğlu	NOUN
arjefm-69	21	20	,	,	PUNCT
arjefm-69	21	21	1998	1998	NUM
arjefm-69	21	22	)	)	PUNCT
arjefm-69	21	23	.	.	PUNCT
arjefm-69	22	1	restructuring	restructuring	NOUN
arjefm-69	22	2	may	may	AUX
arjefm-69	22	3	include	include	VERB
arjefm-69	22	4	new	new	ADJ
arjefm-69	22	5	regulations	regulation	NOUN
arjefm-69	22	6	designed	design	VERB
arjefm-69	22	7	to	to	PART
arjefm-69	22	8	improve	improve	VERB
arjefm-69	22	9	the	the	DET
arjefm-69	22	10	profitability	profitability	NOUN
arjefm-69	22	11	and	and	CCONJ
arjefm-69	22	12	solvency	solvency	NOUN
arjefm-69	22	13	of	of	ADP
arjefm-69	22	14	banks	bank	NOUN
arjefm-69	22	15	,	,	PUNCT
arjefm-69	22	16	and	and	CCONJ
arjefm-69	22	17	regulations	regulation	NOUN
arjefm-69	22	18	designed	design	VERB
arjefm-69	22	19	to	to	PART
arjefm-69	22	20	increase	increase	VERB
arjefm-69	22	21	the	the	DET
arjefm-69	22	22	intermediating	intermediating	ADJ
arjefm-69	22	23	role	role	NOUN
arjefm-69	22	24	of	of	ADP
arjefm-69	22	25	the	the	DET
arjefm-69	22	26	banks	bank	NOUN
arjefm-69	22	27	in	in	ADP
arjefm-69	22	28	the	the	DET
arjefm-69	22	29	economy	economy	NOUN
arjefm-69	22	30	.	.	PUNCT
arjefm-69	23	1	with	with	ADP
arjefm-69	23	2	the	the	DET
arjefm-69	23	3	imposition	imposition	NOUN
arjefm-69	23	4	of	of	ADP
arjefm-69	23	5	successive	successive	ADJ
arjefm-69	23	6	standards	standard	NOUN
arjefm-69	23	7	from	from	ADP
arjefm-69	23	8	the	the	DET
arjefm-69	23	9	basel	basel	PROPN
arjefm-69	23	10	committee	committee	PROPN
arjefm-69	23	11	on	on	ADP
arjefm-69	23	12	banking	banking	NOUN
arjefm-69	23	13	supervision	supervision	NOUN
arjefm-69	23	14	(	(	PUNCT
arjefm-69	23	15	bcbs	bcbs	PROPN
arjefm-69	23	16	)	)	PUNCT
arjefm-69	23	17	,	,	PUNCT
arjefm-69	23	18	popularly	popularly	ADV
arjefm-69	23	19	known	know	VERB
arjefm-69	23	20	as	as	ADP
arjefm-69	23	21	basel	basel	PROPN
arjefm-69	23	22	i	i	PROPN
arjefm-69	23	23	(	(	PUNCT
arjefm-69	23	24	1988	1988	NUM
arjefm-69	23	25	)	)	PUNCT
arjefm-69	23	26	,	,	PUNCT
arjefm-69	23	27	basel	basel	PROPN
arjefm-69	23	28	ii	ii	PROPN
arjefm-69	23	29	2004	2004	NUM
arjefm-69	23	30	and	and	CCONJ
arjefm-69	23	31	basel	basel	PROPN
arjefm-69	23	32	iii	iii	PROPN
arjefm-69	23	33	(	(	PUNCT
arjefm-69	23	34	2010	2010	NUM
arjefm-69	23	35	)	)	PUNCT
arjefm-69	23	36	,	,	PUNCT
arjefm-69	23	37	the	the	DET
arjefm-69	23	38	nepalese	nepalese	ADJ
arjefm-69	23	39	commercial	commercial	ADJ
arjefm-69	23	40	banks	bank	NOUN
arjefm-69	23	41	have	have	AUX
arjefm-69	23	42	seen	see	VERB
arjefm-69	23	43	increasing	increase	VERB
arjefm-69	23	44	levels	level	NOUN
arjefm-69	23	45	of	of	ADP
arjefm-69	23	46	monitoring	monitoring	NOUN
arjefm-69	23	47	and	and	CCONJ
arjefm-69	23	48	supervision	supervision	NOUN
arjefm-69	23	49	,	,	PUNCT
arjefm-69	23	50	largely	largely	ADV
arjefm-69	23	51	strengthening	strengthen	VERB
arjefm-69	23	52	their	their	PRON
arjefm-69	23	53	stability	stability	NOUN
arjefm-69	23	54	(	(	PUNCT
arjefm-69	23	55	uprety	uprety	NOUN
arjefm-69	23	56	,	,	PUNCT
arjefm-69	23	57	2013	2013	NUM
arjefm-69	23	58	)	)	PUNCT
arjefm-69	23	59	.	.	PUNCT
arjefm-69	24	1	an	an	DET
arjefm-69	24	2	earlier	early	ADJ
arjefm-69	24	3	examination	examination	NOUN
arjefm-69	24	4	of	of	ADP
arjefm-69	24	5	nepalese	nepalese	ADJ
arjefm-69	24	6	banks	bank	NOUN
arjefm-69	24	7	using	use	VERB
arjefm-69	24	8	the	the	DET
arjefm-69	24	9	camel	camel	NOUN
arjefm-69	24	10	(	(	PUNCT
arjefm-69	24	11	capital	capital	NOUN
arjefm-69	24	12	adequacy	adequacy	NOUN
arjefm-69	24	13	,	,	PUNCT
arjefm-69	24	14	asset	asset	NOUN
arjefm-69	24	15	quality	quality	NOUN
arjefm-69	24	16	,	,	PUNCT
arjefm-69	24	17	management	management	NOUN
arjefm-69	24	18	quality	quality	NOUN
arjefm-69	24	19	,	,	PUNCT
arjefm-69	24	20	earning	earning	NOUN
arjefm-69	24	21	and	and	CCONJ
arjefm-69	24	22	liquidity	liquidity	NOUN
arjefm-69	24	23	)	)	PUNCT
arjefm-69	24	24	framework	framework	NOUN
arjefm-69	24	25	found	find	VERB
arjefm-69	24	26	that	that	SCONJ
arjefm-69	24	27	joint	joint	ADJ
arjefm-69	24	28	venture	venture	NOUN
arjefm-69	24	29	banks	bank	NOUN
arjefm-69	24	30	had	have	VERB
arjefm-69	24	31	a	a	DET
arjefm-69	24	32	fair	fair	ADJ
arjefm-69	24	33	capital	capital	NOUN
arjefm-69	24	34	base	base	NOUN
arjefm-69	24	35	and	and	CCONJ
arjefm-69	24	36	higher	high	ADJ
arjefm-69	24	37	liquidity	liquidity	NOUN
arjefm-69	24	38	than	than	SCONJ
arjefm-69	24	39	needed	need	VERB
arjefm-69	24	40	,	,	PUNCT
arjefm-69	24	41	resulting	result	VERB
arjefm-69	24	42	in	in	ADP
arjefm-69	24	43	lower	low	ADJ
arjefm-69	24	44	profitability	profitability	NOUN
arjefm-69	24	45	(	(	PUNCT
arjefm-69	24	46	baral	baral	ADJ
arjefm-69	24	47	,	,	PUNCT
arjefm-69	24	48	2005	2005	NUM
arjefm-69	24	49	)	)	PUNCT
arjefm-69	24	50	.	.	PUNCT
arjefm-69	25	1	the	the	DET
arjefm-69	25	2	paid	pay	VERB
arjefm-69	25	3	-	-	PUNCT
arjefm-69	25	4	up	up	ADP
arjefm-69	25	5	capital	capital	NOUN
arjefm-69	25	6	requirement	requirement	NOUN
arjefm-69	25	7	(	(	PUNCT
arjefm-69	25	8	common	common	ADJ
arjefm-69	25	9	stock	stock	NOUN
arjefm-69	25	10	)	)	PUNCT
arjefm-69	25	11	for	for	ADP
arjefm-69	25	12	commercial	commercial	ADJ
arjefm-69	25	13	banks	bank	NOUN
arjefm-69	25	14	was	be	AUX
arjefm-69	25	15	rs	rs	ADJ
arjefm-69	25	16	.	.	PUNCT
arjefm-69	26	1	2	2	NUM
arjefm-69	26	2	billion	billion	NUM
arjefm-69	26	3	.	.	PUNCT
arjefm-69	27	1	however	however	ADV
arjefm-69	27	2	,	,	PUNCT
arjefm-69	27	3	from	from	ADP
arjefm-69	27	4	2015	2015	NUM
arjefm-69	27	5	,	,	PUNCT
arjefm-69	27	6	the	the	DET
arjefm-69	27	7	paid	pay	VERB
arjefm-69	27	8	-	-	PUNCT
arjefm-69	27	9	up	up	ADP
arjefm-69	27	10	capital	capital	NOUN
arjefm-69	27	11	requirement	requirement	NOUN
arjefm-69	27	12	was	be	AUX
arjefm-69	27	13	increased	increase	VERB
arjefm-69	27	14	to	to	AUX
arjefm-69	27	15	rs	r	NOUN
arjefm-69	27	16	.	.	PROPN
arjefm-69	28	1	8	8	NUM
arjefm-69	28	2	billion	billion	NUM
arjefm-69	28	3	,	,	PUNCT
arjefm-69	28	4	thereby	thereby	ADV
arjefm-69	28	5	increasing	increase	VERB
arjefm-69	28	6	the	the	DET
arjefm-69	28	7	lending	lending	NOUN
arjefm-69	28	8	capacity	capacity	NOUN
arjefm-69	28	9	,	,	PUNCT
arjefm-69	28	10	and	and	CCONJ
arjefm-69	28	11	the	the	DET
arjefm-69	28	12	credit	credit	NOUN
arjefm-69	28	13	exposure	exposure	NOUN
arjefm-69	28	14	as	as	ADV
arjefm-69	28	15	well	well	ADV
arjefm-69	28	16	.	.	PUNCT
arjefm-69	29	1	the	the	DET
arjefm-69	29	2	primary	primary	ADJ
arjefm-69	29	3	contribution	contribution	NOUN
arjefm-69	29	4	of	of	ADP
arjefm-69	29	5	this	this	DET
arjefm-69	29	6	work	work	NOUN
arjefm-69	29	7	is	be	AUX
arjefm-69	29	8	to	to	PART
arjefm-69	29	9	analyze	analyze	VERB
arjefm-69	29	10	if	if	SCONJ
arjefm-69	29	11	the	the	DET
arjefm-69	29	12	factors	factor	NOUN
arjefm-69	29	13	that	that	PRON
arjefm-69	29	14	have	have	AUX
arjefm-69	29	15	driven	drive	VERB
arjefm-69	29	16	the	the	DET
arjefm-69	29	17	operating	operating	NOUN
arjefm-69	29	18	profitability	profitability	NOUN
arjefm-69	29	19	of	of	ADP
arjefm-69	29	20	commercial	commercial	ADJ
arjefm-69	29	21	banks	bank	NOUN
arjefm-69	29	22	in	in	ADP
arjefm-69	29	23	nepal	nepal	NOUN
arjefm-69	29	24	have	have	AUX
arjefm-69	29	25	changed	change	VERB
arjefm-69	29	26	as	as	ADP
arjefm-69	29	27	a	a	DET
arjefm-69	29	28	result	result	NOUN
arjefm-69	29	29	of	of	ADP
arjefm-69	29	30	the	the	DET
arjefm-69	29	31	increased	increase	VERB
arjefm-69	29	32	paid	pay	VERB
arjefm-69	29	33	-	-	PUNCT
arjefm-69	29	34	up	up	ADP
arjefm-69	29	35	capital	capital	NOUN
arjefm-69	29	36	requirement	requirement	NOUN
arjefm-69	29	37	.	.	PUNCT
arjefm-69	30	1	in	in	ADP
arjefm-69	30	2	order	order	NOUN
arjefm-69	30	3	to	to	PART
arjefm-69	30	4	accomplish	accomplish	VERB
arjefm-69	30	5	this	this	PRON
arjefm-69	30	6	,	,	PUNCT
arjefm-69	30	7	we	we	PRON
arjefm-69	30	8	performed	perform	VERB
arjefm-69	30	9	a	a	DET
arjefm-69	30	10	panel	panel	NOUN
arjefm-69	30	11	data	datum	NOUN
arjefm-69	30	12	regression	regression	NOUN
arjefm-69	30	13	analysis	analysis	NOUN
arjefm-69	30	14	on	on	ADP
arjefm-69	30	15	multiple	multiple	ADJ
arjefm-69	30	16	commercial	commercial	ADJ
arjefm-69	30	17	banks	bank	NOUN
arjefm-69	30	18	in	in	ADP
arjefm-69	30	19	nepal	nepal	ADJ
arjefm-69	30	20	over	over	ADP
arjefm-69	30	21	two	two	NUM
arjefm-69	30	22	separate	separate	ADJ
arjefm-69	30	23	time	time	NOUN
arjefm-69	30	24	periods	period	NOUN
arjefm-69	30	25	:	:	PUNCT
arjefm-69	30	26	2007	2007	NUM
arjefm-69	30	27	-	-	SYM
arjefm-69	30	28	2014	2014	NUM
arjefm-69	30	29	and	and	CCONJ
arjefm-69	30	30	2015	2015	NUM
arjefm-69	30	31	-	-	SYM
arjefm-69	30	32	2017	2017	NUM
arjefm-69	30	33	.	.	PUNCT
arjefm-69	31	1	the	the	DET
arjefm-69	31	2	rest	rest	NOUN
arjefm-69	31	3	of	of	ADP
arjefm-69	31	4	this	this	DET
arjefm-69	31	5	paper	paper	NOUN
arjefm-69	31	6	is	be	AUX
arjefm-69	31	7	organized	organize	VERB
arjefm-69	31	8	as	as	SCONJ
arjefm-69	31	9	follows	follow	VERB
arjefm-69	31	10	.	.	PUNCT
arjefm-69	32	1	section	section	NOUN
arjefm-69	32	2	2	2	NUM
arjefm-69	32	3	describes	describe	VERB
arjefm-69	32	4	the	the	DET
arjefm-69	32	5	background	background	NOUN
arjefm-69	32	6	and	and	CCONJ
arjefm-69	32	7	the	the	DET
arjefm-69	32	8	hypotheses	hypothesis	NOUN
arjefm-69	32	9	tested	test	VERB
arjefm-69	32	10	.	.	PUNCT
arjefm-69	33	1	section	section	NOUN
arjefm-69	33	2	3	3	NUM
arjefm-69	33	3	describes	describe	VERB
arjefm-69	33	4	the	the	DET
arjefm-69	33	5	data	datum	NOUN
arjefm-69	33	6	collection	collection	NOUN
arjefm-69	33	7	and	and	CCONJ
arjefm-69	33	8	presents	present	VERB
arjefm-69	33	9	the	the	DET
arjefm-69	33	10	analysis	analysis	NOUN
arjefm-69	33	11	.	.	PUNCT
arjefm-69	34	1	section	section	NOUN
arjefm-69	34	2	4	4	NUM
arjefm-69	34	3	discusses	discuss	VERB
arjefm-69	34	4	our	our	PRON
arjefm-69	34	5	findings	finding	NOUN
arjefm-69	34	6	from	from	ADP
arjefm-69	34	7	a	a	DET
arjefm-69	34	8	theoretical	theoretical	ADJ
arjefm-69	34	9	and	and	CCONJ
arjefm-69	34	10	practical	practical	ADJ
arjefm-69	34	11	standpoint	standpoint	NOUN
arjefm-69	34	12	.	.	PUNCT
arjefm-69	35	1	we	we	PRON
arjefm-69	35	2	conclude	conclude	VERB
arjefm-69	35	3	with	with	ADP
arjefm-69	35	4	limitations	limitation	NOUN
arjefm-69	35	5	and	and	CCONJ
arjefm-69	35	6	suggestions	suggestion	NOUN
arjefm-69	35	7	for	for	ADP
arjefm-69	35	8	future	future	ADJ
arjefm-69	35	9	studies	study	NOUN
arjefm-69	35	10	in	in	ADP
arjefm-69	35	11	section	section	NOUN
arjefm-69	35	12	5	5	NUM
arjefm-69	35	13	.	.	NOUN
arjefm-69	35	14	1	1	NUM
arjefm-69	35	15	.	.	X
arjefm-69	35	16	background	background	NOUN
arjefm-69	35	17	and	and	CCONJ
arjefm-69	35	18	hypotheses	hypothese	VERB
arjefm-69	35	19	development	development	NOUN
arjefm-69	35	20	until	until	SCONJ
arjefm-69	35	21	the	the	DET
arjefm-69	35	22	mid-1970	mid-1970	ADJ
arjefm-69	35	23	-	-	PUNCT
arjefm-69	35	24	s	s	PROPN
arjefm-69	35	25	,	,	PUNCT
arjefm-69	35	26	bank	bank	NOUN
arjefm-69	35	27	safety	safety	NOUN
arjefm-69	35	28	worldwide	worldwide	ADV
arjefm-69	35	29	was	be	AUX
arjefm-69	35	30	largely	largely	ADV
arjefm-69	35	31	the	the	DET
arjefm-69	35	32	domain	domain	NOUN
arjefm-69	35	33	of	of	ADP
arjefm-69	35	34	national	national	ADJ
arjefm-69	35	35	regulators	regulator	NOUN
arjefm-69	35	36	without	without	ADP
arjefm-69	35	37	regard	regard	NOUN
arjefm-69	35	38	to	to	ADP
arjefm-69	35	39	interdependence	interdependence	NOUN
arjefm-69	35	40	among	among	ADP
arjefm-69	35	41	banks	bank	NOUN
arjefm-69	35	42	(	(	PUNCT
arjefm-69	35	43	rost	rost	PROPN
arjefm-69	35	44	,	,	PUNCT
arjefm-69	35	45	2010	2010	NUM
arjefm-69	35	46	)	)	PUNCT
arjefm-69	35	47	.	.	PUNCT
arjefm-69	36	1	the	the	DET
arjefm-69	36	2	failures	failure	NOUN
arjefm-69	36	3	of	of	ADP
arjefm-69	36	4	the	the	DET
arjefm-69	36	5	herstatt	herstatt	PROPN
arjefm-69	36	6	bank	bank	PROPN
arjefm-69	36	7	in	in	ADP
arjefm-69	36	8	germany	germany	PROPN
arjefm-69	36	9	and	and	CCONJ
arjefm-69	36	10	the	the	DET
arjefm-69	36	11	franklin	franklin	PROPN
arjefm-69	36	12	national	national	PROPN
arjefm-69	36	13	bank	bank	PROPN
arjefm-69	36	14	in	in	ADP
arjefm-69	36	15	new	new	PROPN
arjefm-69	36	16	york	york	PROPN
arjefm-69	36	17	caused	cause	VERB
arjefm-69	36	18	effects	effect	NOUN
arjefm-69	36	19	across	across	ADP
arjefm-69	36	20	national	national	ADJ
arjefm-69	36	21	boundaries	boundary	NOUN
arjefm-69	36	22	,	,	PUNCT
arjefm-69	36	23	leading	lead	VERB
arjefm-69	36	24	to	to	ADP
arjefm-69	36	25	the	the	DET
arjefm-69	36	26	formation	formation	NOUN
arjefm-69	36	27	of	of	ADP
arjefm-69	36	28	the	the	DET
arjefm-69	36	29	basel	basel	PROPN
arjefm-69	36	30	committee	committee	PROPN
arjefm-69	36	31	on	on	ADP
arjefm-69	36	32	banking	banking	NOUN
arjefm-69	36	33	supervision	supervision	NOUN
arjefm-69	36	34	(	(	PUNCT
arjefm-69	36	35	basel	basel	PROPN
arjefm-69	36	36	)	)	PUNCT
arjefm-69	36	37	.	.	PUNCT
arjefm-69	37	1	the	the	DET
arjefm-69	37	2	committee	committee	NOUN
arjefm-69	37	3	consisted	consist	VERB
arjefm-69	37	4	of	of	ADP
arjefm-69	37	5	central	central	ADJ
arjefm-69	37	6	bankers	banker	NOUN
arjefm-69	37	7	from	from	ADP
arjefm-69	37	8	the	the	DET
arjefm-69	37	9	g10	g10	PROPN
arjefm-69	37	10	countries	country	NOUN
arjefm-69	37	11	and	and	CCONJ
arjefm-69	37	12	switzerland	switzerland	PROPN
arjefm-69	37	13	.	.	PUNCT
arjefm-69	38	1	the	the	DET
arjefm-69	38	2	main	main	ADJ
arjefm-69	38	3	thrust	thrust	NOUN
arjefm-69	38	4	was	be	AUX
arjefm-69	38	5	to	to	PART
arjefm-69	38	6	delineate	delineate	VERB
arjefm-69	38	7	supervisory	supervisory	ADJ
arjefm-69	38	8	authority	authority	NOUN
arjefm-69	38	9	between	between	ADP
arjefm-69	38	10	national	national	ADJ
arjefm-69	38	11	and	and	CCONJ
arjefm-69	38	12	transnational	transnational	ADJ
arjefm-69	38	13	bodies	body	NOUN
arjefm-69	38	14	.	.	PUNCT
arjefm-69	39	1	basel	basel	PROPN
arjefm-69	39	2	1	1	NUM
arjefm-69	39	3	was	be	AUX
arjefm-69	39	4	a	a	DET
arjefm-69	39	5	framework	framework	NOUN
arjefm-69	39	6	released	release	VERB
arjefm-69	39	7	in	in	ADP
arjefm-69	39	8	1988	1988	NUM
arjefm-69	39	9	to	to	PART
arjefm-69	39	10	primarily	primarily	ADV
arjefm-69	39	11	address	address	VERB
arjefm-69	39	12	the	the	DET
arjefm-69	39	13	capital	capital	NOUN
arjefm-69	39	14	adequacy	adequacy	NOUN
arjefm-69	39	15	requirement	requirement	NOUN
arjefm-69	39	16	for	for	ADP
arjefm-69	39	17	banks	bank	NOUN
arjefm-69	39	18	.	.	PUNCT
arjefm-69	40	1	the	the	DET
arjefm-69	40	2	main	main	ADJ
arjefm-69	40	3	driver	driver	NOUN
arjefm-69	40	4	here	here	ADV
arjefm-69	40	5	was	be	AUX
arjefm-69	40	6	the	the	DET
arjefm-69	40	7	latin	latin	ADJ
arjefm-69	40	8	american	american	ADJ
arjefm-69	40	9	debt	debt	NOUN
arjefm-69	40	10	crisis	crisis	NOUN
arjefm-69	40	11	that	that	PRON
arjefm-69	40	12	occurred	occur	VERB
arjefm-69	40	13	in	in	ADP
arjefm-69	40	14	the	the	DET
arjefm-69	40	15	early	early	ADJ
arjefm-69	40	16	1980	1980	NUM
arjefm-69	40	17	-	-	SYM
arjefm-69	40	18	s.	s.	PROPN
arjefm-69	40	19	a	a	DET
arjefm-69	40	20	minimum	minimum	ADJ
arjefm-69	40	21	ratio	ratio	NOUN
arjefm-69	40	22	of	of	ADP
arjefm-69	40	23	capital	capital	NOUN
arjefm-69	40	24	to	to	PART
arjefm-69	40	25	risk	risk	NOUN
arjefm-69	40	26	-	-	PUNCT
arjefm-69	40	27	weighted	weight	VERB
arjefm-69	40	28	assets	asset	NOUN
arjefm-69	40	29	of	of	ADP
arjefm-69	40	30	8	8	NUM
arjefm-69	40	31	%	%	NOUN
arjefm-69	40	32	was	be	AUX
arjefm-69	40	33	established	establish	VERB
arjefm-69	40	34	starting	start	VERB
arjefm-69	40	35	from	from	ADP
arjefm-69	40	36	1992	1992	NUM
arjefm-69	40	37	(	(	PUNCT
arjefm-69	40	38	jokipii	jokipii	PROPN
arjefm-69	40	39	&	&	CCONJ
arjefm-69	40	40	milne	milne	PROPN
arjefm-69	40	41	,	,	PUNCT
arjefm-69	40	42	2008	2008	NUM
arjefm-69	40	43	)	)	PUNCT
arjefm-69	40	44	.	.	PUNCT
arjefm-69	41	1	basel	basel	PROPN
arjefm-69	41	2	2	2	NUM
arjefm-69	41	3	was	be	AUX
arjefm-69	41	4	a	a	DET
arjefm-69	41	5	three	three	NUM
arjefm-69	41	6	pillar	pillar	NOUN
arjefm-69	41	7	framework	framework	NOUN
arjefm-69	41	8	that	that	PRON
arjefm-69	41	9	expanded	expand	VERB
arjefm-69	41	10	on	on	ADP
arjefm-69	41	11	the	the	DET
arjefm-69	41	12	rules	rule	NOUN
arjefm-69	41	13	in	in	ADP
arjefm-69	41	14	basel	basel	PROPN
arjefm-69	41	15	1	1	NUM
arjefm-69	41	16	regarding	regard	VERB
arjefm-69	41	17	capital	capital	NOUN
arjefm-69	41	18	adequacy	adequacy	NOUN
arjefm-69	41	19	,	,	PUNCT
arjefm-69	41	20	and	and	CCONJ
arjefm-69	41	21	additionally	additionally	ADV
arjefm-69	41	22	recommended	recommend	VERB
arjefm-69	41	23	supervisory	supervisory	ADJ
arjefm-69	41	24	review	review	NOUN
arjefm-69	41	25	of	of	ADP
arjefm-69	41	26	institutions‟	institutions‟	PROPN
arjefm-69	41	27	capital	capital	NOUN
arjefm-69	41	28	adequacy	adequacy	NOUN
arjefm-69	41	29	and	and	CCONJ
arjefm-69	41	30	internal	internal	ADJ
arjefm-69	41	31	assessments	assessment	NOUN
arjefm-69	41	32	.	.	PUNCT
arjefm-69	42	1	a	a	DET
arjefm-69	42	2	third	third	ADJ
arjefm-69	42	3	pillar	pillar	NOUN
arjefm-69	42	4	was	be	AUX
arjefm-69	42	5	also	also	ADV
arjefm-69	42	6	proposed	propose	VERB
arjefm-69	42	7	to	to	PART
arjefm-69	42	8	promote	promote	VERB
arjefm-69	42	9	market	market	NOUN
arjefm-69	42	10	disclosure	disclosure	NOUN
arjefm-69	42	11	,	,	PUNCT
arjefm-69	42	12	in	in	ADP
arjefm-69	42	13	order	order	NOUN
arjefm-69	42	14	to	to	PART
arjefm-69	42	15	promote	promote	VERB
arjefm-69	42	16	sound	sound	ADJ
arjefm-69	42	17	banking	banking	NOUN
arjefm-69	42	18	practices	practice	NOUN
arjefm-69	42	19	(	(	PUNCT
arjefm-69	42	20	herring	herring	NOUN
arjefm-69	42	21	,	,	PUNCT
arjefm-69	42	22	2002	2002	NUM
arjefm-69	42	23	)	)	PUNCT
arjefm-69	42	24	.	.	PUNCT
arjefm-69	43	1	basel	basel	PROPN
arjefm-69	43	2	3	3	NUM
arjefm-69	43	3	was	be	AUX
arjefm-69	43	4	begun	begin	VERB
arjefm-69	43	5	to	to	PART
arjefm-69	43	6	be	be	AUX
arjefm-69	43	7	developed	develop	VERB
arjefm-69	43	8	in	in	ADP
arjefm-69	43	9	2007	2007	NUM
arjefm-69	43	10	upon	upon	SCONJ
arjefm-69	43	11	the	the	DET
arjefm-69	43	12	imminent	imminent	ADJ
arjefm-69	43	13	collapse	collapse	NOUN
arjefm-69	43	14	of	of	ADP
arjefm-69	43	15	lehman	lehman	PROPN
arjefm-69	43	16	brothers	brother	NOUN
arjefm-69	43	17	.	.	PUNCT
arjefm-69	44	1	it	it	PRON
arjefm-69	44	2	includes	include	VERB
arjefm-69	44	3	liquidity	liquidity	NOUN
arjefm-69	44	4	requirements	requirement	NOUN
arjefm-69	44	5	and	and	CCONJ
arjefm-69	44	6	safeguards	safeguard	NOUN
arjefm-69	44	7	,	,	PUNCT
arjefm-69	44	8	such	such	ADJ
arjefm-69	44	9	as	as	ADP
arjefm-69	44	10	a	a	DET
arjefm-69	44	11	countercyclical	countercyclical	ADJ
arjefm-69	44	12	capital	capital	NOUN
arjefm-69	44	13	buffer	buffer	NOUN
arjefm-69	44	14	and	and	CCONJ
arjefm-69	44	15	a	a	DET
arjefm-69	44	16	minimum	minimum	ADJ
arjefm-69	44	17	liquidity	liquidity	NOUN
arjefm-69	44	18	to	to	PART
arjefm-69	44	19	cover	cover	VERB
arjefm-69	44	20	a	a	DET
arjefm-69	44	21	30	30	NUM
arjefm-69	44	22	-	-	PUNCT
arjefm-69	44	23	day	day	NOUN
arjefm-69	44	24	period	period	NOUN
arjefm-69	44	25	of	of	ADP
arjefm-69	44	26	stress	stress	NOUN
arjefm-69	44	27	.	.	PUNCT
arjefm-69	45	1	while	while	SCONJ
arjefm-69	45	2	basel	basel	PROPN
arjefm-69	45	3	1	1	NUM
arjefm-69	45	4	and	and	CCONJ
arjefm-69	45	5	2	2	NUM
arjefm-69	45	6	steered	steer	VERB
arjefm-69	45	7	away	away	ADV
arjefm-69	45	8	from	from	ADP
arjefm-69	45	9	defining	define	VERB
arjefm-69	45	10	operational	operational	ADJ
arjefm-69	45	11	risk	risk	NOUN
arjefm-69	45	12	,	,	PUNCT
arjefm-69	45	13	basel	basel	PROPN
arjefm-69	45	14	3	3	NUM
arjefm-69	45	15	seeks	seek	VERB
arjefm-69	45	16	to	to	PART
arjefm-69	45	17	address	address	VERB
arjefm-69	45	18	this	this	PRON
arjefm-69	45	19	to	to	ADP
arjefm-69	45	20	some	some	DET
arjefm-69	45	21	degree	degree	NOUN
arjefm-69	45	22	by	by	ADP
arjefm-69	45	23	enforcing	enforce	VERB
arjefm-69	45	24	liquidity	liquidity	NOUN
arjefm-69	45	25	standards	standard	NOUN
arjefm-69	45	26	and	and	CCONJ
arjefm-69	45	27	curtailing	curtail	VERB
arjefm-69	45	28	non	non	ADJ
arjefm-69	45	29	-	-	ADJ
arjefm-69	45	30	performing	perform	VERB
arjefm-69	45	31	assets	asset	NOUN
arjefm-69	45	32	(	(	PUNCT
arjefm-69	45	33	bace	bace	NOUN
arjefm-69	45	34	,	,	PUNCT
arjefm-69	45	35	2016	2016	NUM
arjefm-69	45	36	)	)	PUNCT
arjefm-69	45	37	.	.	PUNCT
arjefm-69	46	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-69	47	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	48	1	american	american	PROPN
arjefm-69	48	2	research	research	PROPN
arjefm-69	48	3	journal	journal	PROPN
arjefm-69	48	4	of	of	ADP
arjefm-69	48	5	economics	economic	NOUN
arjefm-69	48	6	,	,	PUNCT
arjefm-69	48	7	finance	finance	NOUN
arjefm-69	48	8	and	and	CCONJ
arjefm-69	48	9	management	management	NOUN
arjefm-69	48	10	volume	volume	NOUN
arjefm-69	48	11	10	10	NUM
arjefm-69	48	12	issue	issue	NOUN
arjefm-69	48	13	3	3	NUM
arjefm-69	48	14	,	,	PUNCT
arjefm-69	48	15	july	july	PROPN
arjefm-69	48	16	-	-	PUNCT
arjefm-69	48	17	september	september	PROPN
arjefm-69	48	18	2022	2022	NUM
arjefm-69	48	19	issn	issn	NOUN
arjefm-69	48	20	:	:	PUNCT
arjefm-69	48	21	2836	2836	NUM
arjefm-69	48	22	-	-	SYM
arjefm-69	48	23	9416	9416	NUM
arjefm-69	48	24	impact	impact	NOUN
arjefm-69	48	25	factor	factor	NOUN
arjefm-69	48	26	:	:	PUNCT
arjefm-69	48	27	4.85	4.85	NUM
arjefm-69	48	28	journal	journal	NOUN
arjefm-69	48	29	homepage	homepage	NOUN
arjefm-69	48	30	:	:	PUNCT
arjefm-69	48	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	48	32	,	,	PUNCT
arjefm-69	48	33	email	email	NOUN
arjefm-69	48	34	:	:	PUNCT
arjefm-69	49	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	49	2	official	official	ADJ
arjefm-69	49	3	journal	journal	PROPN
arjefm-69	49	4	of	of	ADP
arjefm-69	49	5	america	america	PROPN
arjefm-69	49	6	serial	serial	PROPN
arjefm-69	49	7	publication	publication	NOUN
arjefm-69	49	8	american	american	PROPN
arjefm-69	49	9	research	research	PROPN
arjefm-69	49	10	journal	journal	PROPN
arjefm-69	49	11	of	of	ADP
arjefm-69	49	12	economics	economic	NOUN
arjefm-69	49	13	,	,	PUNCT
arjefm-69	49	14	finance	finance	NOUN
arjefm-69	49	15	and	and	CCONJ
arjefm-69	49	16	management	management	NOUN
arjefm-69	49	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	49	18	,	,	PUNCT
arjefm-69	49	19	email	email	NOUN
arjefm-69	49	20	:	:	PUNCT
arjefm-69	49	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	50	1	3	3	NUM
arjefm-69	51	1	|	|	ADV
arjefm-69	51	2	p	p	X
arjefm-69	51	3	a	a	DET
arjefm-69	51	4	g	g	NOUN
arjefm-69	51	5	e	e	NOUN
arjefm-69	51	6	while	while	SCONJ
arjefm-69	51	7	the	the	DET
arjefm-69	51	8	basel	basel	PROPN
arjefm-69	51	9	standards	standard	NOUN
arjefm-69	51	10	have	have	AUX
arjefm-69	51	11	increased	increase	VERB
arjefm-69	51	12	the	the	DET
arjefm-69	51	13	stability	stability	NOUN
arjefm-69	51	14	of	of	ADP
arjefm-69	51	15	the	the	DET
arjefm-69	51	16	banking	banking	NOUN
arjefm-69	51	17	system	system	NOUN
arjefm-69	51	18	,	,	PUNCT
arjefm-69	51	19	the	the	DET
arjefm-69	51	20	stringent	stringent	ADJ
arjefm-69	51	21	requirements	requirement	NOUN
arjefm-69	51	22	that	that	PRON
arjefm-69	51	23	accompany	accompany	VERB
arjefm-69	51	24	them	they	PRON
arjefm-69	51	25	have	have	AUX
arjefm-69	51	26	impeded	impede	VERB
arjefm-69	51	27	the	the	DET
arjefm-69	51	28	ability	ability	NOUN
arjefm-69	51	29	of	of	ADP
arjefm-69	51	30	commercial	commercial	ADJ
arjefm-69	51	31	banks	bank	NOUN
arjefm-69	51	32	to	to	PART
arjefm-69	51	33	lend	lend	VERB
arjefm-69	51	34	in	in	ADP
arjefm-69	51	35	developing	develop	VERB
arjefm-69	51	36	economies	economy	NOUN
arjefm-69	51	37	.	.	PUNCT
arjefm-69	52	1	basel	basel	PROPN
arjefm-69	52	2	2	2	NUM
arjefm-69	52	3	and	and	CCONJ
arjefm-69	52	4	3	3	NUM
arjefm-69	52	5	have	have	AUX
arjefm-69	52	6	also	also	ADV
arjefm-69	52	7	improved	improve	VERB
arjefm-69	52	8	the	the	DET
arjefm-69	52	9	internal	internal	ADJ
arjefm-69	52	10	and	and	CCONJ
arjefm-69	52	11	external	external	ADJ
arjefm-69	52	12	operations	operation	NOUN
arjefm-69	52	13	of	of	ADP
arjefm-69	52	14	commercial	commercial	ADJ
arjefm-69	52	15	banks	bank	NOUN
arjefm-69	52	16	.	.	PUNCT
arjefm-69	53	1	however	however	ADV
arjefm-69	53	2	,	,	PUNCT
arjefm-69	53	3	critics	critic	NOUN
arjefm-69	53	4	of	of	ADP
arjefm-69	53	5	basel	basel	PROPN
arjefm-69	53	6	3	3	NUM
arjefm-69	53	7	point	point	NOUN
arjefm-69	53	8	to	to	ADP
arjefm-69	53	9	the	the	DET
arjefm-69	53	10	reduced	reduced	ADJ
arjefm-69	53	11	availability	availability	NOUN
arjefm-69	53	12	of	of	ADP
arjefm-69	53	13	credit	credit	NOUN
arjefm-69	53	14	and	and	CCONJ
arjefm-69	53	15	curtailment	curtailment	ADJ
arjefm-69	53	16	of	of	ADP
arjefm-69	53	17	economic	economic	ADJ
arjefm-69	53	18	activity	activity	NOUN
arjefm-69	53	19	if	if	SCONJ
arjefm-69	53	20	they	they	PRON
arjefm-69	53	21	are	be	AUX
arjefm-69	53	22	to	to	PART
arjefm-69	53	23	be	be	AUX
arjefm-69	53	24	implemented	implement	VERB
arjefm-69	53	25	(	(	PUNCT
arjefm-69	53	26	allen	allen	PROPN
arjefm-69	53	27	,	,	PUNCT
arjefm-69	53	28	chan	chan	PROPN
arjefm-69	53	29	,	,	PUNCT
arjefm-69	53	30	milne	milne	PROPN
arjefm-69	53	31	,	,	PUNCT
arjefm-69	53	32	&	&	CCONJ
arjefm-69	53	33	thomas	thomas	PROPN
arjefm-69	53	34	,	,	PUNCT
arjefm-69	53	35	2012	2012	NUM
arjefm-69	53	36	)	)	PUNCT
arjefm-69	53	37	.	.	PUNCT
arjefm-69	54	1	are	be	AUX
arjefm-69	54	2	non	non	ADJ
arjefm-69	54	3	-	-	ADJ
arjefm-69	54	4	performing	performing	ADJ
arjefm-69	54	5	loans	loan	NOUN
arjefm-69	54	6	an	an	DET
arjefm-69	54	7	issue	issue	NOUN
arjefm-69	54	8	in	in	ADP
arjefm-69	54	9	developing	develop	VERB
arjefm-69	54	10	economies	economy	NOUN
arjefm-69	54	11	,	,	PUNCT
arjefm-69	54	12	post	post	VERB
arjefm-69	54	13	basel	basel	PROPN
arjefm-69	54	14	2	2	NUM
arjefm-69	54	15	and	and	CCONJ
arjefm-69	54	16	3	3	NUM
arjefm-69	54	17	?	?	PUNCT
arjefm-69	55	1	in	in	ADP
arjefm-69	55	2	a	a	DET
arjefm-69	55	3	recent	recent	ADJ
arjefm-69	55	4	dissertation	dissertation	NOUN
arjefm-69	55	5	(	(	PUNCT
arjefm-69	55	6	havemann	havemann	PROPN
arjefm-69	55	7	,	,	PUNCT
arjefm-69	55	8	2019	2019	NUM
arjefm-69	55	9	)	)	PUNCT
arjefm-69	55	10	points	point	VERB
arjefm-69	55	11	out	out	ADP
arjefm-69	55	12	how	how	SCONJ
arjefm-69	55	13	capital	capital	NOUN
arjefm-69	55	14	adequacy	adequacy	NOUN
arjefm-69	55	15	requirements	requirement	NOUN
arjefm-69	55	16	instituted	institute	VERB
arjefm-69	55	17	pre-2008	pre-2008	NOUN
arjefm-69	55	18	prevented	prevent	VERB
arjefm-69	55	19	bank	bank	NOUN
arjefm-69	55	20	failures	failure	NOUN
arjefm-69	55	21	during	during	ADP
arjefm-69	55	22	the	the	DET
arjefm-69	55	23	2008	2008	NUM
arjefm-69	55	24	crisis	crisis	NOUN
arjefm-69	55	25	.	.	PUNCT
arjefm-69	56	1	african	african	PROPN
arjefm-69	56	2	bank	bank	PROPN
arjefm-69	56	3	was	be	AUX
arjefm-69	56	4	an	an	DET
arjefm-69	56	5	institution	institution	NOUN
arjefm-69	56	6	that	that	PRON
arjefm-69	56	7	made	make	VERB
arjefm-69	56	8	loans	loan	NOUN
arjefm-69	56	9	almost	almost	ADV
arjefm-69	56	10	exclusively	exclusively	ADV
arjefm-69	56	11	to	to	ADP
arjefm-69	56	12	low	low	ADJ
arjefm-69	56	13	-	-	PUNCT
arjefm-69	56	14	income	income	NOUN
arjefm-69	56	15	earners	earner	NOUN
arjefm-69	56	16	on	on	ADP
arjefm-69	56	17	an	an	DET
arjefm-69	56	18	unsecured	unsecured	ADJ
arjefm-69	56	19	basis	basis	NOUN
arjefm-69	56	20	.	.	PUNCT
arjefm-69	57	1	funding	funding	NOUN
arjefm-69	57	2	came	come	VERB
arjefm-69	57	3	primarily	primarily	ADV
arjefm-69	57	4	from	from	ADP
arjefm-69	57	5	bond	bond	NOUN
arjefm-69	57	6	holders	holder	NOUN
arjefm-69	57	7	as	as	SCONJ
arjefm-69	57	8	opposed	oppose	VERB
arjefm-69	57	9	to	to	ADP
arjefm-69	57	10	retail	retail	ADJ
arjefm-69	57	11	deposits	deposit	NOUN
arjefm-69	57	12	.	.	PUNCT
arjefm-69	58	1	african	african	PROPN
arjefm-69	58	2	bank	bank	PROPN
arjefm-69	58	3	placed	place	VERB
arjefm-69	58	4	into	into	ADP
arjefm-69	58	5	curatorship	curatorship	NOUN
arjefm-69	58	6	in	in	ADP
arjefm-69	58	7	2014	2014	NUM
arjefm-69	58	8	,	,	PUNCT
arjefm-69	58	9	but	but	CCONJ
arjefm-69	58	10	central	central	ADJ
arjefm-69	58	11	bank	bank	NOUN
arjefm-69	58	12	intervention	intervention	NOUN
arjefm-69	58	13	led	lead	VERB
arjefm-69	58	14	to	to	ADP
arjefm-69	58	15	limited	limit	VERB
arjefm-69	58	16	loss	loss	NOUN
arjefm-69	58	17	spillovers	spillover	NOUN
arjefm-69	58	18	and	and	CCONJ
arjefm-69	58	19	increased	increase	VERB
arjefm-69	58	20	losses	loss	NOUN
arjefm-69	58	21	to	to	ADP
arjefm-69	58	22	the	the	DET
arjefm-69	58	23	creditors	creditor	NOUN
arjefm-69	58	24	who	who	PRON
arjefm-69	58	25	provided	provide	VERB
arjefm-69	58	26	the	the	DET
arjefm-69	58	27	bail	bail	NOUN
arjefm-69	58	28	-	-	PUNCT
arjefm-69	58	29	in	in	NOUN
arjefm-69	58	30	.	.	PUNCT
arjefm-69	59	1	banks	bank	NOUN
arjefm-69	59	2	in	in	ADP
arjefm-69	59	3	botswana	botswana	PROPN
arjefm-69	59	4	were	be	AUX
arjefm-69	59	5	studied	study	VERB
arjefm-69	59	6	in	in	ADP
arjefm-69	59	7	(	(	PUNCT
arjefm-69	59	8	mathame	mathame	NOUN
arjefm-69	59	9	,	,	PUNCT
arjefm-69	59	10	2018	2018	NUM
arjefm-69	59	11	)	)	PUNCT
arjefm-69	59	12	who	who	PRON
arjefm-69	59	13	found	find	VERB
arjefm-69	59	14	that	that	SCONJ
arjefm-69	59	15	the	the	DET
arjefm-69	59	16	capital	capital	NOUN
arjefm-69	59	17	adequacy	adequacy	NOUN
arjefm-69	59	18	ratio	ratio	NOUN
arjefm-69	59	19	(	(	PUNCT
arjefm-69	59	20	car	car	NOUN
arjefm-69	59	21	)	)	PUNCT
arjefm-69	59	22	was	be	AUX
arjefm-69	59	23	lower	low	ADJ
arjefm-69	59	24	based	base	VERB
arjefm-69	59	25	on	on	ADP
arjefm-69	59	26	credit	credit	NOUN
arjefm-69	59	27	risk	risk	NOUN
arjefm-69	59	28	and	and	CCONJ
arjefm-69	59	29	non	non	ADJ
arjefm-69	59	30	-	-	ADJ
arjefm-69	59	31	performing	performing	ADJ
arjefm-69	59	32	loans	loan	NOUN
arjefm-69	59	33	,	,	PUNCT
arjefm-69	59	34	primarily	primarily	ADV
arjefm-69	59	35	since	since	SCONJ
arjefm-69	59	36	the	the	DET
arjefm-69	59	37	banks	bank	NOUN
arjefm-69	59	38	were	be	AUX
arjefm-69	59	39	heavily	heavily	ADV
arjefm-69	59	40	dependent	dependent	ADJ
arjefm-69	59	41	on	on	ADP
arjefm-69	59	42	the	the	DET
arjefm-69	59	43	mining	mining	NOUN
arjefm-69	59	44	sector	sector	NOUN
arjefm-69	59	45	.	.	PUNCT
arjefm-69	60	1	in	in	ADP
arjefm-69	60	2	another	another	DET
arjefm-69	60	3	survey	survey	NOUN
arjefm-69	60	4	of	of	ADP
arjefm-69	60	5	109	109	NUM
arjefm-69	60	6	european	european	ADJ
arjefm-69	60	7	banks	bank	NOUN
arjefm-69	60	8	in	in	ADP
arjefm-69	60	9	(	(	PUNCT
arjefm-69	60	10	bongini	bongini	PROPN
arjefm-69	60	11	,	,	PUNCT
arjefm-69	60	12	cucinelli	cucinelli	PROPN
arjefm-69	60	13	,	,	PUNCT
arjefm-69	60	14	di	di	X
arjefm-69	60	15	battista	battista	PROPN
arjefm-69	60	16	,	,	PUNCT
arjefm-69	60	17	&	&	CCONJ
arjefm-69	60	18	nieri	nieri	PROPN
arjefm-69	60	19	,	,	PUNCT
arjefm-69	60	20	2018	2018	NUM
arjefm-69	60	21	)	)	PUNCT
arjefm-69	60	22	from	from	ADP
arjefm-69	60	23	2006	2006	NUM
arjefm-69	60	24	-	-	SYM
arjefm-69	60	25	2016	2016	NUM
arjefm-69	60	26	,	,	PUNCT
arjefm-69	60	27	the	the	DET
arjefm-69	60	28	loss	loss	NOUN
arjefm-69	60	29	of	of	ADP
arjefm-69	60	30	profitability	profitability	NOUN
arjefm-69	60	31	was	be	AUX
arjefm-69	60	32	found	find	VERB
arjefm-69	60	33	to	to	PART
arjefm-69	60	34	be	be	AUX
arjefm-69	60	35	influenced	influence	VERB
arjefm-69	60	36	by	by	ADP
arjefm-69	60	37	the	the	DET
arjefm-69	60	38	deterioration	deterioration	NOUN
arjefm-69	60	39	of	of	ADP
arjefm-69	60	40	the	the	DET
arjefm-69	60	41	loan	loan	NOUN
arjefm-69	60	42	portfolios	portfolio	NOUN
arjefm-69	60	43	of	of	ADP
arjefm-69	60	44	the	the	DET
arjefm-69	60	45	banks.banks	banks.bank	NOUN
arjefm-69	60	46	that	that	PRON
arjefm-69	60	47	adopted	adopt	VERB
arjefm-69	60	48	a	a	DET
arjefm-69	60	49	more	more	ADV
arjefm-69	60	50	conservative	conservative	ADJ
arjefm-69	60	51	lending	lending	NOUN
arjefm-69	60	52	policy	policy	NOUN
arjefm-69	60	53	went	go	VERB
arjefm-69	60	54	back	back	ADV
arjefm-69	60	55	to	to	ADP
arjefm-69	60	56	profitability	profitability	NOUN
arjefm-69	60	57	more	more	ADV
arjefm-69	60	58	quickly	quickly	ADV
arjefm-69	60	59	.	.	PUNCT
arjefm-69	61	1	the	the	DET
arjefm-69	61	2	lack	lack	NOUN
arjefm-69	61	3	of	of	ADP
arjefm-69	61	4	an	an	DET
arjefm-69	61	5	appropriate	appropriate	ADJ
arjefm-69	61	6	credit	credit	NOUN
arjefm-69	61	7	culture	culture	NOUN
arjefm-69	61	8	in	in	ADP
arjefm-69	61	9	some	some	DET
arjefm-69	61	10	developing	develop	VERB
arjefm-69	61	11	countries	country	NOUN
arjefm-69	61	12	also	also	ADV
arjefm-69	61	13	leads	lead	VERB
arjefm-69	61	14	to	to	ADP
arjefm-69	61	15	increased	increase	VERB
arjefm-69	61	16	non	non	ADJ
arjefm-69	61	17	-	-	ADJ
arjefm-69	61	18	performing	performing	ADJ
arjefm-69	61	19	loans	loan	NOUN
arjefm-69	61	20	(	(	PUNCT
arjefm-69	61	21	bonga	bonga	PROPN
arjefm-69	61	22	,	,	PUNCT
arjefm-69	61	23	chirenje	chirenje	PROPN
arjefm-69	61	24	,	,	PUNCT
arjefm-69	61	25	&	&	CCONJ
arjefm-69	61	26	mugayi	mugayi	VERB
arjefm-69	61	27	,	,	PUNCT
arjefm-69	61	28	2019	2019	NUM
arjefm-69	61	29	)	)	PUNCT
arjefm-69	61	30	.	.	PUNCT
arjefm-69	62	1	in	in	ADP
arjefm-69	62	2	a	a	DET
arjefm-69	62	3	study	study	NOUN
arjefm-69	62	4	of	of	ADP
arjefm-69	62	5	banks	bank	NOUN
arjefm-69	62	6	in	in	ADP
arjefm-69	62	7	albania	albania	PROPN
arjefm-69	62	8	(	(	PUNCT
arjefm-69	62	9	duraj	duraj	VERB
arjefm-69	62	10	,	,	PUNCT
arjefm-69	62	11	2015	2015	NUM
arjefm-69	62	12	)	)	PUNCT
arjefm-69	62	13	,	,	PUNCT
arjefm-69	62	14	non	non	ADJ
arjefm-69	62	15	-	-	ADJ
arjefm-69	62	16	performing	performing	ADJ
arjefm-69	62	17	loans	loan	NOUN
arjefm-69	62	18	were	be	AUX
arjefm-69	62	19	found	find	VERB
arjefm-69	62	20	to	to	PART
arjefm-69	62	21	decrease	decrease	VERB
arjefm-69	62	22	bank	bank	NOUN
arjefm-69	62	23	profitability	profitability	NOUN
arjefm-69	62	24	.	.	PUNCT
arjefm-69	63	1	a	a	DET
arjefm-69	63	2	similar	similar	ADJ
arjefm-69	63	3	situation	situation	NOUN
arjefm-69	63	4	was	be	AUX
arjefm-69	63	5	found	find	VERB
arjefm-69	63	6	in	in	ADP
arjefm-69	63	7	a	a	DET
arjefm-69	63	8	study	study	NOUN
arjefm-69	63	9	of	of	ADP
arjefm-69	63	10	banks	bank	NOUN
arjefm-69	63	11	in	in	ADP
arjefm-69	63	12	ethopia(gizaw	ethopia(gizaw	PROPN
arjefm-69	63	13	et	et	PROPN
arjefm-69	63	14	al	al	PROPN
arjefm-69	63	15	.	.	PROPN
arjefm-69	63	16	,	,	PUNCT
arjefm-69	63	17	2015	2015	NUM
arjefm-69	63	18	)	)	PUNCT
arjefm-69	63	19	.	.	PUNCT
arjefm-69	64	1	however	however	ADV
arjefm-69	64	2	,	,	PUNCT
arjefm-69	64	3	npls	npls	PROPN
arjefm-69	64	4	have	have	AUX
arjefm-69	64	5	not	not	PART
arjefm-69	64	6	always	always	ADV
arjefm-69	64	7	been	be	AUX
arjefm-69	64	8	found	find	VERB
arjefm-69	64	9	to	to	PART
arjefm-69	64	10	affect	affect	VERB
arjefm-69	64	11	bank	bank	NOUN
arjefm-69	64	12	performance	performance	NOUN
arjefm-69	64	13	negatively	negatively	ADV
arjefm-69	64	14	.	.	PUNCT
arjefm-69	65	1	as	as	ADP
arjefm-69	65	2	per	per	ADP
arjefm-69	65	3	(	(	PUNCT
arjefm-69	65	4	andesfa	andesfa	NOUN
arjefm-69	65	5	&	&	CCONJ
arjefm-69	65	6	masdupi	masdupi	PROPN
arjefm-69	65	7	,	,	PUNCT
arjefm-69	65	8	2019	2019	NUM
arjefm-69	65	9	)	)	PUNCT
arjefm-69	65	10	some	some	DET
arjefm-69	65	11	researchers	researcher	NOUN
arjefm-69	65	12	found	find	VERB
arjefm-69	65	13	that	that	SCONJ
arjefm-69	65	14	non	non	ADJ
arjefm-69	65	15	-	-	ADJ
arjefm-69	65	16	performing	performing	ADJ
arjefm-69	65	17	loans	loan	NOUN
arjefm-69	65	18	did	do	AUX
arjefm-69	65	19	not	not	PART
arjefm-69	65	20	affect	affect	VERB
arjefm-69	65	21	return	return	NOUN
arjefm-69	65	22	on	on	ADP
arjefm-69	65	23	assets	asset	NOUN
arjefm-69	65	24	(	(	PUNCT
arjefm-69	65	25	roa	roa	PROPN
arjefm-69	65	26	)	)	PUNCT
arjefm-69	65	27	.	.	PUNCT
arjefm-69	66	1	a	a	DET
arjefm-69	66	2	study	study	NOUN
arjefm-69	66	3	of	of	ADP
arjefm-69	66	4	jordanian	jordanian	ADJ
arjefm-69	66	5	banks	bank	NOUN
arjefm-69	66	6	in	in	ADP
arjefm-69	66	7	(	(	PUNCT
arjefm-69	66	8	alshatti	alshatti	ADJ
arjefm-69	66	9	,	,	PUNCT
arjefm-69	66	10	2015	2015	NUM
arjefm-69	66	11	)	)	PUNCT
arjefm-69	66	12	found	find	VERB
arjefm-69	66	13	a	a	DET
arjefm-69	66	14	positive	positive	ADJ
arjefm-69	66	15	influence	influence	NOUN
arjefm-69	66	16	of	of	ADP
arjefm-69	66	17	npl	npl	PROPN
arjefm-69	66	18	on	on	ADP
arjefm-69	66	19	roa	roa	PROPN
arjefm-69	66	20	.	.	PUNCT
arjefm-69	67	1	a	a	DET
arjefm-69	67	2	similar	similar	ADJ
arjefm-69	67	3	finding	finding	NOUN
arjefm-69	67	4	was	be	AUX
arjefm-69	67	5	reported	report	VERB
arjefm-69	67	6	in	in	ADP
arjefm-69	67	7	(	(	PUNCT
arjefm-69	67	8	zou	zou	PROPN
arjefm-69	67	9	&	&	CCONJ
arjefm-69	67	10	li	li	PROPN
arjefm-69	67	11	,	,	PUNCT
arjefm-69	67	12	2014	2014	NUM
arjefm-69	67	13	)	)	PUNCT
arjefm-69	67	14	,	,	PUNCT
arjefm-69	67	15	where	where	SCONJ
arjefm-69	67	16	a	a	DET
arjefm-69	67	17	positive	positive	ADJ
arjefm-69	67	18	effect	effect	NOUN
arjefm-69	67	19	was	be	AUX
arjefm-69	67	20	found	find	VERB
arjefm-69	67	21	between	between	ADP
arjefm-69	67	22	npl	npl	NOUN
arjefm-69	67	23	ratio	ratio	NOUN
arjefm-69	67	24	and	and	CCONJ
arjefm-69	67	25	roa	roa	NOUN
arjefm-69	67	26	as	as	ADV
arjefm-69	67	27	well	well	ADV
arjefm-69	67	28	as	as	ADP
arjefm-69	67	29	return	return	NOUN
arjefm-69	67	30	on	on	ADP
arjefm-69	67	31	equity	equity	NOUN
arjefm-69	67	32	(	(	PUNCT
arjefm-69	67	33	roe	roe	PROPN
arjefm-69	67	34	)	)	PUNCT
arjefm-69	67	35	.	.	PUNCT
arjefm-69	68	1	possible	possible	ADJ
arjefm-69	68	2	explanations	explanation	NOUN
arjefm-69	68	3	for	for	ADP
arjefm-69	68	4	this	this	PRON
arjefm-69	68	5	may	may	AUX
arjefm-69	68	6	include	include	VERB
arjefm-69	68	7	that	that	SCONJ
arjefm-69	68	8	depositors	depositor	NOUN
arjefm-69	68	9	do	do	AUX
arjefm-69	68	10	not	not	PART
arjefm-69	68	11	take	take	VERB
arjefm-69	68	12	into	into	ADP
arjefm-69	68	13	consideration	consideration	NOUN
arjefm-69	68	14	the	the	DET
arjefm-69	68	15	credit	credit	NOUN
arjefm-69	68	16	risk	risk	NOUN
arjefm-69	68	17	exposure	exposure	NOUN
arjefm-69	68	18	of	of	ADP
arjefm-69	68	19	the	the	DET
arjefm-69	68	20	bank	bank	NOUN
arjefm-69	68	21	when	when	SCONJ
arjefm-69	68	22	deciding	decide	VERB
arjefm-69	68	23	to	to	PART
arjefm-69	68	24	make	make	VERB
arjefm-69	68	25	their	their	PRON
arjefm-69	68	26	deposits	deposit	NOUN
arjefm-69	68	27	(	(	PUNCT
arjefm-69	68	28	agwu	agwu	NOUN
arjefm-69	68	29	,	,	PUNCT
arjefm-69	68	30	2018	2018	NUM
arjefm-69	68	31	)	)	PUNCT
arjefm-69	68	32	.	.	PUNCT
arjefm-69	69	1	this	this	DET
arjefm-69	69	2	explanation	explanation	NOUN
arjefm-69	69	3	becomes	become	VERB
arjefm-69	69	4	more	more	ADV
arjefm-69	69	5	plausible	plausible	ADJ
arjefm-69	69	6	if	if	SCONJ
arjefm-69	69	7	the	the	DET
arjefm-69	69	8	basel	basel	PROPN
arjefm-69	69	9	safeguards	safeguard	NOUN
arjefm-69	69	10	are	be	AUX
arjefm-69	69	11	in	in	ADP
arjefm-69	69	12	place	place	NOUN
arjefm-69	69	13	in	in	ADP
arjefm-69	69	14	the	the	DET
arjefm-69	69	15	banking	banking	NOUN
arjefm-69	69	16	system	system	NOUN
arjefm-69	69	17	of	of	ADP
arjefm-69	69	18	the	the	DET
arjefm-69	69	19	country	country	NOUN
arjefm-69	69	20	,	,	PUNCT
arjefm-69	69	21	leading	lead	VERB
arjefm-69	69	22	to	to	ADP
arjefm-69	69	23	a	a	DET
arjefm-69	69	24	macro	macro	ADJ
arjefm-69	69	25	perception	perception	NOUN
arjefm-69	69	26	of	of	ADP
arjefm-69	69	27	stability	stability	NOUN
arjefm-69	69	28	.	.	PUNCT
arjefm-69	70	1	macroeconomic	macroeconomic	ADJ
arjefm-69	70	2	factors	factor	NOUN
arjefm-69	70	3	like	like	ADP
arjefm-69	70	4	the	the	DET
arjefm-69	70	5	money	money	NOUN
arjefm-69	70	6	supply	supply	NOUN
arjefm-69	70	7	and	and	CCONJ
arjefm-69	70	8	deposit	deposit	NOUN
arjefm-69	70	9	to	to	ADP
arjefm-69	70	10	lending	lending	NOUN
arjefm-69	70	11	ratios	ratio	NOUN
arjefm-69	70	12	can	can	AUX
arjefm-69	70	13	also	also	ADV
arjefm-69	70	14	drive	drive	VERB
arjefm-69	70	15	increased	increase	VERB
arjefm-69	70	16	deposits	deposit	NOUN
arjefm-69	70	17	into	into	ADP
arjefm-69	70	18	banks	bank	NOUN
arjefm-69	70	19	.	.	PUNCT
arjefm-69	71	1	this	this	PRON
arjefm-69	71	2	increases	increase	VERB
arjefm-69	71	3	the	the	DET
arjefm-69	71	4	bank‟s	bank‟s	ADJ
arjefm-69	71	5	ability	ability	NOUN
arjefm-69	71	6	to	to	PART
arjefm-69	71	7	make	make	VERB
arjefm-69	71	8	more	more	ADJ
arjefm-69	71	9	loans	loan	NOUN
arjefm-69	71	10	,	,	PUNCT
arjefm-69	71	11	and	and	CCONJ
arjefm-69	71	12	hence	hence	ADV
arjefm-69	71	13	improves	improve	VERB
arjefm-69	71	14	profitability	profitability	NOUN
arjefm-69	71	15	,	,	PUNCT
arjefm-69	71	16	even	even	ADV
arjefm-69	71	17	if	if	SCONJ
arjefm-69	71	18	the	the	DET
arjefm-69	71	19	percentage	percentage	NOUN
arjefm-69	71	20	of	of	ADP
arjefm-69	71	21	nonperforming	nonperforme	VERB
arjefm-69	71	22	loans	loan	NOUN
arjefm-69	71	23	is	be	AUX
arjefm-69	71	24	higher	high	ADJ
arjefm-69	71	25	than	than	ADP
arjefm-69	71	26	for	for	ADP
arjefm-69	71	27	smaller	small	ADJ
arjefm-69	71	28	banks	bank	NOUN
arjefm-69	71	29	.	.	PUNCT
arjefm-69	72	1	in	in	ADP
arjefm-69	72	2	the	the	DET
arjefm-69	72	3	case	case	NOUN
arjefm-69	72	4	of	of	ADP
arjefm-69	72	5	nepal	nepal	ADJ
arjefm-69	72	6	,	,	PUNCT
arjefm-69	72	7	credit	credit	NOUN
arjefm-69	72	8	risk	risk	NOUN
arjefm-69	72	9	(	(	PUNCT
arjefm-69	72	10	defined	define	VERB
arjefm-69	72	11	as	as	ADP
arjefm-69	72	12	the	the	DET
arjefm-69	72	13	ratio	ratio	NOUN
arjefm-69	72	14	of	of	ADP
arjefm-69	72	15	non	non	ADJ
arjefm-69	72	16	-	-	ADJ
arjefm-69	72	17	performing	performing	ADJ
arjefm-69	72	18	loans	loan	NOUN
arjefm-69	72	19	to	to	ADP
arjefm-69	72	20	total	total	ADJ
arjefm-69	72	21	loans	loan	NOUN
arjefm-69	72	22	)	)	PUNCT
arjefm-69	72	23	was	be	AUX
arjefm-69	72	24	found	find	VERB
arjefm-69	72	25	to	to	PART
arjefm-69	72	26	be	be	AUX
arjefm-69	72	27	negatively	negatively	ADV
arjefm-69	72	28	affected	affect	VERB
arjefm-69	72	29	by	by	ADP
arjefm-69	72	30	the	the	DET
arjefm-69	72	31	capital	capital	NOUN
arjefm-69	72	32	adequacy	adequacy	NOUN
arjefm-69	72	33	ratio	ratio	NOUN
arjefm-69	72	34	in	in	ADP
arjefm-69	72	35	(	(	PUNCT
arjefm-69	72	36	poudel	poudel	NOUN
arjefm-69	72	37	,	,	PUNCT
arjefm-69	72	38	2013	2013	NUM
arjefm-69	72	39	)	)	PUNCT
arjefm-69	72	40	.	.	PUNCT
arjefm-69	73	1	in	in	ADP
arjefm-69	73	2	a	a	DET
arjefm-69	73	3	more	more	ADV
arjefm-69	73	4	recent	recent	ADJ
arjefm-69	73	5	study	study	NOUN
arjefm-69	73	6	of	of	ADP
arjefm-69	73	7	nepalese	nepalese	ADJ
arjefm-69	73	8	commercial	commercial	ADJ
arjefm-69	73	9	bank	bank	PROPN
arjefm-69	73	10	roa	roa	PROPN
arjefm-69	73	11	performance	performance	NOUN
arjefm-69	73	12	from	from	ADP
arjefm-69	73	13	2010	2010	NUM
arjefm-69	73	14	-	-	SYM
arjefm-69	73	15	2015	2015	NUM
arjefm-69	73	16	,	,	PUNCT
arjefm-69	73	17	a	a	DET
arjefm-69	73	18	strong	strong	ADJ
arjefm-69	73	19	negative	negative	ADJ
arjefm-69	73	20	relationship	relationship	NOUN
arjefm-69	73	21	between	between	ADP
arjefm-69	73	22	non	non	ADJ
arjefm-69	73	23	-	-	ADJ
arjefm-69	73	24	performing	performing	ADJ
arjefm-69	73	25	loans	loan	NOUN
arjefm-69	73	26	and	and	CCONJ
arjefm-69	73	27	roa	roa	NOUN
arjefm-69	73	28	was	be	AUX
arjefm-69	73	29	found	find	VERB
arjefm-69	73	30	,	,	PUNCT
arjefm-69	73	31	along	along	ADP
arjefm-69	73	32	with	with	ADP
arjefm-69	73	33	a	a	DET
arjefm-69	73	34	positive	positive	ADJ
arjefm-69	73	35	influence	influence	NOUN
arjefm-69	73	36	of	of	ADP
arjefm-69	73	37	costs	cost	NOUN
arjefm-69	73	38	per	per	ADP
arjefm-69	73	39	loan	loan	NOUN
arjefm-69	73	40	assets	asset	NOUN
arjefm-69	73	41	(	(	PUNCT
arjefm-69	73	42	bhattarai	bhattarai	NOUN
arjefm-69	73	43	,	,	PUNCT
arjefm-69	73	44	2017	2017	NUM
arjefm-69	73	45	)	)	PUNCT
arjefm-69	73	46	.	.	PUNCT
arjefm-69	74	1	bank	bank	NOUN
arjefm-69	74	2	size	size	NOUN
arjefm-69	74	3	was	be	AUX
arjefm-69	74	4	also	also	ADV
arjefm-69	74	5	found	find	VERB
arjefm-69	74	6	to	to	PART
arjefm-69	74	7	be	be	AUX
arjefm-69	74	8	positively	positively	ADV
arjefm-69	74	9	correlated	correlate	VERB
arjefm-69	74	10	to	to	ADP
arjefm-69	74	11	bank	bank	NOUN
arjefm-69	74	12	performance	performance	NOUN
arjefm-69	74	13	,	,	PUNCT
arjefm-69	74	14	measured	measure	VERB
arjefm-69	74	15	by	by	ADP
arjefm-69	74	16	roa	roa	PROPN
arjefm-69	74	17	.	.	PROPN
arjefm-69	75	1	based	base	VERB
arjefm-69	75	2	on	on	ADP
arjefm-69	75	3	the	the	DET
arjefm-69	75	4	review	review	NOUN
arjefm-69	75	5	of	of	ADP
arjefm-69	75	6	prior	prior	ADJ
arjefm-69	75	7	work	work	NOUN
arjefm-69	75	8	shown	show	VERB
arjefm-69	75	9	above	above	ADP
arjefm-69	75	10	,	,	PUNCT
arjefm-69	75	11	we	we	PRON
arjefm-69	75	12	conclude	conclude	VERB
arjefm-69	75	13	that	that	SCONJ
arjefm-69	75	14	basel	basel	PROPN
arjefm-69	75	15	2	2	NUM
arjefm-69	75	16	and	and	CCONJ
arjefm-69	75	17	3	3	NUM
arjefm-69	75	18	requirements	requirement	NOUN
arjefm-69	75	19	have	have	AUX
arjefm-69	75	20	imposed	impose	VERB
arjefm-69	75	21	some	some	DET
arjefm-69	75	22	stability	stability	NOUN
arjefm-69	75	23	in	in	ADP
arjefm-69	75	24	the	the	DET
arjefm-69	75	25	banking	banking	NOUN
arjefm-69	75	26	systems	system	NOUN
arjefm-69	75	27	of	of	ADP
arjefm-69	75	28	developing	develop	VERB
arjefm-69	75	29	economies	economy	NOUN
arjefm-69	75	30	.	.	PUNCT
arjefm-69	76	1	however	however	ADV
arjefm-69	76	2	,	,	PUNCT
arjefm-69	76	3	nonperforming	nonperforming	ADJ
arjefm-69	76	4	loans	loan	NOUN
arjefm-69	76	5	or	or	CCONJ
arjefm-69	76	6	credit	credit	NOUN
arjefm-69	76	7	risk	risk	NOUN
arjefm-69	76	8	are	be	AUX
arjefm-69	76	9	still	still	ADV
arjefm-69	76	10	relevant	relevant	ADJ
arjefm-69	76	11	drivers	driver	NOUN
arjefm-69	76	12	affecting	affect	VERB
arjefm-69	76	13	banks‟	banks‟	ADP
arjefm-69	76	14	financial	financial	ADJ
arjefm-69	76	15	performance	performance	NOUN
arjefm-69	76	16	.	.	PUNCT
arjefm-69	77	1	in	in	ADP
arjefm-69	77	2	2015	2015	NUM
arjefm-69	77	3	,	,	PUNCT
arjefm-69	77	4	the	the	DET
arjefm-69	77	5	nrb	nrb	PROPN
arjefm-69	77	6	(	(	PUNCT
arjefm-69	77	7	nepal	nepal	PROPN
arjefm-69	77	8	rastriya	rastriya	PROPN
arjefm-69	77	9	bank	bank	PROPN
arjefm-69	77	10	)	)	PUNCT
arjefm-69	77	11	mandated	mandate	VERB
arjefm-69	77	12	banks	bank	NOUN
arjefm-69	77	13	and	and	CCONJ
arjefm-69	77	14	financial	financial	ADJ
arjefm-69	77	15	institutions	institution	NOUN
arjefm-69	77	16	to	to	PART
arjefm-69	77	17	raise	raise	VERB
arjefm-69	77	18	the	the	DET
arjefm-69	77	19	minimum	minimum	ADJ
arjefm-69	77	20	paid	pay	VERB
arjefm-69	77	21	-	-	PUNCT
arjefm-69	77	22	up	up	ADP
arjefm-69	77	23	capital	capital	NOUN
arjefm-69	77	24	,	,	PUNCT
arjefm-69	77	25	or	or	CCONJ
arjefm-69	77	26	common	common	ADJ
arjefm-69	77	27	stock	stock	NOUN
arjefm-69	77	28	,	,	PUNCT
arjefm-69	77	29	from	from	ADP
arjefm-69	77	30	rs	rs	NOUN
arjefm-69	77	31	.	.	PUNCT
arjefm-69	78	1	two	two	NUM
arjefm-69	78	2	billion	billion	NUM
arjefm-69	78	3	to	to	PART
arjefm-69	78	4	rs	rs	VERB
arjefm-69	78	5	.	.	PUNCT
arjefm-69	79	1	eight	eight	NUM
arjefm-69	79	2	billion	billion	NUM
arjefm-69	79	3	,	,	PUNCT
arjefm-69	79	4	a	a	DET
arjefm-69	79	5	four	four	NUM
arjefm-69	79	6	-	-	ADJ
arjefm-69	79	7	fold	fold	ADJ
arjefm-69	79	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	79	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	79	10	american	american	PROPN
arjefm-69	79	11	research	research	PROPN
arjefm-69	79	12	journal	journal	PROPN
arjefm-69	79	13	of	of	ADP
arjefm-69	79	14	economics	economic	NOUN
arjefm-69	79	15	,	,	PUNCT
arjefm-69	79	16	finance	finance	NOUN
arjefm-69	79	17	and	and	CCONJ
arjefm-69	79	18	management	management	NOUN
arjefm-69	79	19	volume	volume	NOUN
arjefm-69	79	20	10	10	NUM
arjefm-69	79	21	issue	issue	NOUN
arjefm-69	79	22	3	3	NUM
arjefm-69	79	23	,	,	PUNCT
arjefm-69	79	24	july	july	PROPN
arjefm-69	79	25	-	-	PUNCT
arjefm-69	79	26	september	september	PROPN
arjefm-69	79	27	2022	2022	NUM
arjefm-69	79	28	issn	issn	NOUN
arjefm-69	79	29	:	:	PUNCT
arjefm-69	79	30	2836	2836	NUM
arjefm-69	79	31	-	-	SYM
arjefm-69	79	32	9416	9416	NUM
arjefm-69	79	33	impact	impact	NOUN
arjefm-69	79	34	factor	factor	NOUN
arjefm-69	79	35	:	:	PUNCT
arjefm-69	79	36	4.85	4.85	NUM
arjefm-69	79	37	journal	journal	NOUN
arjefm-69	79	38	homepage	homepage	NOUN
arjefm-69	79	39	:	:	PUNCT
arjefm-69	79	40	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	79	41	,	,	PUNCT
arjefm-69	79	42	email	email	NOUN
arjefm-69	79	43	:	:	PUNCT
arjefm-69	79	44	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	79	45	official	official	ADJ
arjefm-69	79	46	journal	journal	PROPN
arjefm-69	79	47	of	of	ADP
arjefm-69	79	48	america	america	PROPN
arjefm-69	79	49	serial	serial	PROPN
arjefm-69	79	50	publication	publication	NOUN
arjefm-69	79	51	american	american	PROPN
arjefm-69	79	52	research	research	PROPN
arjefm-69	79	53	journal	journal	PROPN
arjefm-69	79	54	of	of	ADP
arjefm-69	79	55	economics	economic	NOUN
arjefm-69	79	56	,	,	PUNCT
arjefm-69	79	57	finance	finance	NOUN
arjefm-69	79	58	and	and	CCONJ
arjefm-69	79	59	management	management	NOUN
arjefm-69	79	60	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	79	61	,	,	PUNCT
arjefm-69	79	62	email	email	NOUN
arjefm-69	79	63	:	:	PUNCT
arjefm-69	79	64	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	80	1	4	4	NUM
arjefm-69	80	2	|	|	ADV
arjefm-69	80	3	p	p	X
arjefm-69	80	4	a	a	DET
arjefm-69	80	5	g	g	NOUN
arjefm-69	80	6	e	e	NOUN
arjefm-69	80	7	increase	increase	NOUN
arjefm-69	80	8	,	,	PUNCT
arjefm-69	80	9	to	to	PART
arjefm-69	80	10	be	be	AUX
arjefm-69	80	11	implemented	implement	VERB
arjefm-69	80	12	over	over	ADP
arjefm-69	80	13	a	a	DET
arjefm-69	80	14	two	two	NUM
arjefm-69	80	15	year	year	NOUN
arjefm-69	80	16	period	period	NOUN
arjefm-69	80	17	(	(	PUNCT
arjefm-69	80	18	sharma	sharma	PROPN
arjefm-69	80	19	,	,	PUNCT
arjefm-69	80	20	2015	2015	NUM
arjefm-69	80	21	)	)	PUNCT
arjefm-69	80	22	.	.	PUNCT
arjefm-69	81	1	a	a	DET
arjefm-69	81	2	similar	similar	ADJ
arjefm-69	81	3	move	move	NOUN
arjefm-69	81	4	was	be	AUX
arjefm-69	81	5	instituted	institute	VERB
arjefm-69	81	6	by	by	ADP
arjefm-69	81	7	the	the	DET
arjefm-69	81	8	bank	bank	PROPN
arjefm-69	81	9	of	of	ADP
arjefm-69	81	10	ghana	ghana	PROPN
arjefm-69	81	11	,	,	PUNCT
arjefm-69	81	12	in	in	ADP
arjefm-69	81	13	2017	2017	NUM
arjefm-69	81	14	(	(	PUNCT
arjefm-69	81	15	young	young	ADJ
arjefm-69	81	16	,	,	PUNCT
arjefm-69	81	17	2017	2017	NUM
arjefm-69	81	18	)	)	PUNCT
arjefm-69	81	19	.	.	PUNCT
arjefm-69	82	1	the	the	DET
arjefm-69	82	2	goal	goal	NOUN
arjefm-69	82	3	behind	behind	ADP
arjefm-69	82	4	these	these	DET
arjefm-69	82	5	moves	move	NOUN
arjefm-69	82	6	was	be	AUX
arjefm-69	82	7	to	to	PART
arjefm-69	82	8	increase	increase	VERB
arjefm-69	82	9	the	the	DET
arjefm-69	82	10	minimum	minimum	ADJ
arjefm-69	82	11	size	size	NOUN
arjefm-69	82	12	of	of	ADP
arjefm-69	82	13	institutions	institution	NOUN
arjefm-69	82	14	to	to	PART
arjefm-69	82	15	improve	improve	VERB
arjefm-69	82	16	theoverall	theoverall	ADJ
arjefm-69	82	17	stability	stability	NOUN
arjefm-69	82	18	in	in	ADP
arjefm-69	82	19	the	the	DET
arjefm-69	82	20	banking	banking	NOUN
arjefm-69	82	21	systems	system	NOUN
arjefm-69	82	22	.	.	PUNCT
arjefm-69	83	1	while	while	SCONJ
arjefm-69	83	2	such	such	ADJ
arjefm-69	83	3	moves	move	NOUN
arjefm-69	83	4	have	have	VERB
arjefm-69	83	5	an	an	DET
arjefm-69	83	6	immediate	immediate	ADJ
arjefm-69	83	7	positive	positive	ADJ
arjefm-69	83	8	stock	stock	NOUN
arjefm-69	83	9	market	market	NOUN
arjefm-69	83	10	effect	effect	NOUN
arjefm-69	83	11	,	,	PUNCT
arjefm-69	83	12	the	the	DET
arjefm-69	83	13	effect	effect	NOUN
arjefm-69	83	14	of	of	ADP
arjefm-69	83	15	the	the	DET
arjefm-69	83	16	increased	increase	VERB
arjefm-69	83	17	capitalization	capitalization	NOUN
arjefm-69	83	18	requirements	requirement	NOUN
arjefm-69	83	19	on	on	ADP
arjefm-69	83	20	bank	bank	NOUN
arjefm-69	83	21	behavior	behavior	NOUN
arjefm-69	83	22	is	be	AUX
arjefm-69	83	23	not	not	PART
arjefm-69	83	24	clear	clear	ADJ
arjefm-69	83	25	.	.	PUNCT
arjefm-69	84	1	for	for	ADP
arjefm-69	84	2	example	example	NOUN
arjefm-69	84	3	,	,	PUNCT
arjefm-69	84	4	as	as	SCONJ
arjefm-69	84	5	banks	bank	NOUN
arjefm-69	84	6	make	make	VERB
arjefm-69	84	7	more	more	ADJ
arjefm-69	84	8	loans	loan	NOUN
arjefm-69	84	9	,	,	PUNCT
arjefm-69	84	10	will	will	AUX
arjefm-69	84	11	their	their	PRON
arjefm-69	84	12	nonperforming	nonperforme	VERB
arjefm-69	84	13	loans	loan	NOUN
arjefm-69	84	14	have	have	VERB
arjefm-69	84	15	an	an	DET
arjefm-69	84	16	increased	increase	VERB
arjefm-69	84	17	affect	affect	NOUN
arjefm-69	84	18	on	on	ADP
arjefm-69	84	19	profitability	profitability	NOUN
arjefm-69	84	20	?	?	PUNCT
arjefm-69	85	1	in	in	ADP
arjefm-69	85	2	this	this	DET
arjefm-69	85	3	work	work	NOUN
arjefm-69	85	4	,	,	PUNCT
arjefm-69	85	5	we	we	PRON
arjefm-69	85	6	investigate	investigate	VERB
arjefm-69	85	7	the	the	DET
arjefm-69	85	8	performance	performance	NOUN
arjefm-69	85	9	of	of	ADP
arjefm-69	85	10	a	a	DET
arjefm-69	85	11	sample	sample	NOUN
arjefm-69	85	12	of	of	ADP
arjefm-69	85	13	nepalese	nepalese	ADJ
arjefm-69	85	14	commercial	commercial	ADJ
arjefm-69	85	15	banks	bank	NOUN
arjefm-69	85	16	pre	pre	VERB
arjefm-69	85	17	and	and	CCONJ
arjefm-69	85	18	post	post	VERB
arjefm-69	85	19	mandate	mandate	NOUN
arjefm-69	85	20	,	,	PUNCT
arjefm-69	85	21	to	to	PART
arjefm-69	85	22	see	see	VERB
arjefm-69	85	23	how	how	SCONJ
arjefm-69	85	24	behavior	behavior	NOUN
arjefm-69	85	25	has	have	AUX
arjefm-69	85	26	changed	change	VERB
arjefm-69	85	27	.	.	PUNCT
arjefm-69	86	1	factors	factor	NOUN
arjefm-69	86	2	in	in	ADP
arjefm-69	86	3	the	the	DET
arjefm-69	86	4	study	study	NOUN
arjefm-69	86	5	:	:	PUNCT
arjefm-69	86	6	operating	operate	VERB
arjefm-69	86	7	profit	profit	NOUN
arjefm-69	86	8	:	:	PUNCT
arjefm-69	86	9	the	the	DET
arjefm-69	86	10	dependent	dependent	ADJ
arjefm-69	86	11	variable	variable	NOUN
arjefm-69	86	12	we	we	PRON
arjefm-69	86	13	look	look	VERB
arjefm-69	86	14	at	at	ADP
arjefm-69	86	15	is	be	AUX
arjefm-69	86	16	the	the	DET
arjefm-69	86	17	operating	operating	NOUN
arjefm-69	86	18	profitability	profitability	NOUN
arjefm-69	86	19	of	of	ADP
arjefm-69	86	20	the	the	DET
arjefm-69	86	21	bank	bank	NOUN
arjefm-69	86	22	.	.	PUNCT
arjefm-69	87	1	this	this	PRON
arjefm-69	87	2	is	be	AUX
arjefm-69	87	3	reported	report	VERB
arjefm-69	87	4	in	in	ADP
arjefm-69	87	5	rupees	rupee	NOUN
arjefm-69	87	6	every	every	DET
arjefm-69	87	7	year	year	NOUN
arjefm-69	87	8	and	and	CCONJ
arjefm-69	87	9	is	be	AUX
arjefm-69	87	10	the	the	DET
arjefm-69	87	11	earnings	earning	NOUN
arjefm-69	87	12	before	before	ADP
arjefm-69	87	13	interest	interest	NOUN
arjefm-69	87	14	and	and	CCONJ
arjefm-69	87	15	tax	tax	NOUN
arjefm-69	87	16	.	.	PUNCT
arjefm-69	88	1	a	a	DET
arjefm-69	88	2	common	common	ADJ
arjefm-69	88	3	formula	formula	NOUN
arjefm-69	88	4	for	for	ADP
arjefm-69	88	5	calculating	calculate	VERB
arjefm-69	88	6	operating	operating	NOUN
arjefm-69	88	7	profit	profit	NOUN
arjefm-69	88	8	is	be	AUX
arjefm-69	88	9	:	:	PUNCT
arjefm-69	88	10	operating	operate	VERB
arjefm-69	88	11	profit	profit	NOUN
arjefm-69	88	12	=	=	PUNCT
arjefm-69	88	13	operating	operating	NOUN
arjefm-69	88	14	revenue	revenue	NOUN
arjefm-69	88	15	–	–	PUNCT
arjefm-69	88	16	cost	cost	NOUN
arjefm-69	88	17	of	of	ADP
arjefm-69	88	18	goods	good	NOUN
arjefm-69	88	19	and	and	CCONJ
arjefm-69	88	20	services	service	NOUN
arjefm-69	88	21	–	–	PUNCT
arjefm-69	88	22	operating	operate	VERB
arjefm-69	88	23	expenses	expense	NOUN
arjefm-69	88	24	–	–	PUNCT
arjefm-69	88	25	depreciation	depreciation	NOUN
arjefm-69	88	26	&	&	CCONJ
arjefm-69	88	27	amortization	amortization	NOUN
arjefm-69	88	28	non	non	ADJ
arjefm-69	88	29	performing	perform	VERB
arjefm-69	88	30	loans	loan	NOUN
arjefm-69	88	31	:	:	PUNCT
arjefm-69	88	32	npl	npl	PROPN
arjefm-69	88	33	is	be	AUX
arjefm-69	88	34	a	a	DET
arjefm-69	88	35	ratio	ratio	NOUN
arjefm-69	88	36	defined	define	VERB
arjefm-69	88	37	as	as	ADP
arjefm-69	88	38	:	:	PUNCT
arjefm-69	88	39	npl	npl	X
arjefm-69	88	40	=	=	SYM
arjefm-69	88	41	(	(	PUNCT
arjefm-69	88	42	non	non	ADJ
arjefm-69	88	43	-	-	ADJ
arjefm-69	88	44	performingloans	performingloans	ADJ
arjefm-69	88	45	/	/	SYM
arjefm-69	88	46	total	total	ADJ
arjefm-69	88	47	loans	loan	NOUN
arjefm-69	88	48	)	)	PUNCT
arjefm-69	88	49	*	*	PUNCT
arjefm-69	88	50	100	100	NUM
arjefm-69	88	51	liquidity	liquidity	NOUN
arjefm-69	88	52	:	:	PUNCT
arjefm-69	88	53	this	this	PRON
arjefm-69	88	54	is	be	AUX
arjefm-69	88	55	defined	define	VERB
arjefm-69	88	56	as	as	ADP
arjefm-69	88	57	a	a	DET
arjefm-69	88	58	ratio	ratio	NOUN
arjefm-69	88	59	:	:	PUNCT
arjefm-69	88	60	current	current	ADJ
arjefm-69	88	61	assets/	assets/	NUM
arjefm-69	88	62	current	current	ADJ
arjefm-69	88	63	liabilities	liability	NOUN
arjefm-69	88	64	deposits	deposit	NOUN
arjefm-69	88	65	to	to	ADP
arjefm-69	88	66	assets	asset	NOUN
arjefm-69	88	67	:	:	PUNCT
arjefm-69	88	68	this	this	DET
arjefm-69	88	69	ratio	ratio	NOUN
arjefm-69	88	70	is	be	AUX
arjefm-69	88	71	defined	define	VERB
arjefm-69	88	72	as	as	ADP
arjefm-69	88	73	:	:	PUNCT
arjefm-69	88	74	(	(	PUNCT
arjefm-69	88	75	total	total	ADJ
arjefm-69	88	76	deposits/	deposits/	NUM
arjefm-69	88	77	total	total	ADJ
arjefm-69	88	78	assets	asset	NOUN
arjefm-69	88	79	)	)	PUNCT
arjefm-69	88	80	*	*	PUNCT
arjefm-69	88	81	100	100	NUM
arjefm-69	88	82	credit	credit	NOUN
arjefm-69	88	83	exposure	exposure	NOUN
arjefm-69	88	84	:	:	PUNCT
arjefm-69	88	85	this	this	DET
arjefm-69	88	86	variable	variable	NOUN
arjefm-69	88	87	looks	look	VERB
arjefm-69	88	88	at	at	ADP
arjefm-69	88	89	the	the	DET
arjefm-69	88	90	overall	overall	ADJ
arjefm-69	88	91	amount	amount	NOUN
arjefm-69	88	92	of	of	ADP
arjefm-69	88	93	loans	loan	NOUN
arjefm-69	88	94	made	make	VERB
arjefm-69	88	95	by	by	ADP
arjefm-69	88	96	the	the	DET
arjefm-69	88	97	bank	bank	NOUN
arjefm-69	88	98	,	,	PUNCT
arjefm-69	88	99	in	in	ADP
arjefm-69	88	100	rupees	rupee	NOUN
arjefm-69	88	101	.	.	PUNCT
arjefm-69	89	1	training	training	NOUN
arjefm-69	89	2	ratio	ratio	NOUN
arjefm-69	89	3	:	:	PUNCT
arjefm-69	89	4	this	this	DET
arjefm-69	89	5	ratio	ratio	NOUN
arjefm-69	89	6	is	be	AUX
arjefm-69	89	7	defined	define	VERB
arjefm-69	89	8	as	as	ADP
arjefm-69	89	9	:	:	PUNCT
arjefm-69	89	10	training	training	NOUN
arjefm-69	89	11	=	=	PUNCT
arjefm-69	89	12	overall	overall	ADJ
arjefm-69	89	13	rupee	rupee	NOUN
arjefm-69	89	14	amount	amount	NOUN
arjefm-69	89	15	spent	spend	VERB
arjefm-69	89	16	on	on	ADP
arjefm-69	89	17	training	training	NOUN
arjefm-69	89	18	/	/	SYM
arjefm-69	89	19	total	total	ADJ
arjefm-69	89	20	number	number	NOUN
arjefm-69	89	21	of	of	ADP
arjefm-69	89	22	staff	staff	NOUN
arjefm-69	89	23	]	]	PUNCT
arjefm-69	89	24	based	base	VERB
arjefm-69	89	25	on	on	ADP
arjefm-69	89	26	these	these	DET
arjefm-69	89	27	variables	variable	NOUN
arjefm-69	89	28	,	,	PUNCT
arjefm-69	89	29	the	the	DET
arjefm-69	89	30	following	follow	VERB
arjefm-69	89	31	hypotheses	hypothesis	NOUN
arjefm-69	89	32	were	be	AUX
arjefm-69	89	33	tested	test	VERB
arjefm-69	89	34	:	:	PUNCT
arjefm-69	89	35	h1	h1	NOUN
arjefm-69	89	36	:	:	PUNCT
arjefm-69	89	37	training	training	NOUN
arjefm-69	89	38	ratio	ratio	NOUN
arjefm-69	89	39	affects	affect	VERB
arjefm-69	89	40	the	the	DET
arjefm-69	89	41	bank‟s	bank‟s	ADJ
arjefm-69	89	42	operating	operate	VERB
arjefm-69	89	43	profit	profit	NOUN
arjefm-69	89	44	h2	h2	NOUN
arjefm-69	89	45	:	:	PUNCT
arjefm-69	89	46	deposits	deposit	NOUN
arjefm-69	89	47	to	to	ADP
arjefm-69	89	48	assets	asset	NOUN
arjefm-69	89	49	affect	affect	VERB
arjefm-69	89	50	the	the	DET
arjefm-69	89	51	bank‟s	bank‟s	ADJ
arjefm-69	89	52	operating	operate	VERB
arjefm-69	89	53	profit	profit	NOUN
arjefm-69	89	54	h3	h3	NOUN
arjefm-69	89	55	:	:	PUNCT
arjefm-69	89	56	credit	credit	NOUN
arjefm-69	89	57	exposure	exposure	NOUN
arjefm-69	89	58	affects	affect	VERB
arjefm-69	89	59	the	the	DET
arjefm-69	89	60	bank‟s	bank‟s	ADJ
arjefm-69	89	61	operating	operate	VERB
arjefm-69	89	62	profit	profit	NOUN
arjefm-69	89	63	h4	h4	NOUN
arjefm-69	89	64	:	:	PUNCT
arjefm-69	89	65	npl	npl	PROPN
arjefm-69	89	66	affects	affect	VERB
arjefm-69	89	67	the	the	DET
arjefm-69	89	68	bank‟s	bank‟s	ADJ
arjefm-69	89	69	operating	operate	VERB
arjefm-69	89	70	profit	profit	NOUN
arjefm-69	89	71	h5	h5	NOUN
arjefm-69	89	72	:	:	PUNCT
arjefm-69	89	73	liquidity	liquidity	NOUN
arjefm-69	89	74	affects	affect	VERB
arjefm-69	89	75	the	the	DET
arjefm-69	89	76	bank‟s	bank‟s	ADJ
arjefm-69	89	77	operating	operating	NOUN
arjefm-69	89	78	profit	profit	NOUN
arjefm-69	89	79	we	we	PRON
arjefm-69	89	80	tested	test	VERB
arjefm-69	89	81	these	these	DET
arjefm-69	89	82	hypotheses	hypothesis	NOUN
arjefm-69	89	83	using	use	VERB
arjefm-69	89	84	two	two	NUM
arjefm-69	89	85	separate	separate	ADJ
arjefm-69	89	86	sets	set	NOUN
arjefm-69	89	87	of	of	ADP
arjefm-69	89	88	data	datum	NOUN
arjefm-69	89	89	:	:	PUNCT
arjefm-69	89	90	a	a	DET
arjefm-69	89	91	sample	sample	NOUN
arjefm-69	89	92	of	of	ADP
arjefm-69	89	93	nepalese	nepalese	ADJ
arjefm-69	89	94	commercial	commercial	ADJ
arjefm-69	89	95	banks	bank	NOUN
arjefm-69	89	96	between	between	ADP
arjefm-69	89	97	2007	2007	NUM
arjefm-69	89	98	-	-	SYM
arjefm-69	89	99	2014	2014	NUM
arjefm-69	89	100	,	,	PUNCT
arjefm-69	89	101	and	and	CCONJ
arjefm-69	89	102	another	another	DET
arjefm-69	89	103	sample	sample	NOUN
arjefm-69	89	104	of	of	ADP
arjefm-69	89	105	the	the	DET
arjefm-69	89	106	same	same	ADJ
arjefm-69	89	107	banks	bank	NOUN
arjefm-69	89	108	between	between	ADP
arjefm-69	89	109	2015	2015	NUM
arjefm-69	89	110	-	-	SYM
arjefm-69	89	111	2017	2017	NUM
arjefm-69	89	112	.	.	PUNCT
arjefm-69	90	1	2	2	X
arjefm-69	90	2	.	.	X
arjefm-69	90	3	data	datum	NOUN
arjefm-69	90	4	collection	collection	NOUN
arjefm-69	90	5	and	and	CCONJ
arjefm-69	90	6	analysis	analysis	NOUN
arjefm-69	90	7	publicly	publicly	ADV
arjefm-69	90	8	available	available	ADJ
arjefm-69	90	9	financial	financial	ADJ
arjefm-69	90	10	statements	statement	NOUN
arjefm-69	90	11	from	from	ADP
arjefm-69	90	12	2007	2007	NUM
arjefm-69	90	13	–	–	PUNCT
arjefm-69	90	14	2017	2017	NUM
arjefm-69	90	15	for	for	ADP
arjefm-69	90	16	six	six	NUM
arjefm-69	90	17	well	well	ADV
arjefm-69	90	18	known	know	VERB
arjefm-69	90	19	joint	joint	ADJ
arjefm-69	90	20	-	-	PUNCT
arjefm-69	90	21	venture	venture	NOUN
arjefm-69	90	22	commercial	commercial	ADJ
arjefm-69	90	23	banks	bank	NOUN
arjefm-69	90	24	in	in	ADP
arjefm-69	90	25	nepal	nepal	ADJ
arjefm-69	90	26	were	be	AUX
arjefm-69	90	27	used	use	VERB
arjefm-69	90	28	for	for	ADP
arjefm-69	90	29	this	this	DET
arjefm-69	90	30	study	study	NOUN
arjefm-69	90	31	.	.	PUNCT
arjefm-69	91	1	the	the	DET
arjefm-69	91	2	data	datum	NOUN
arjefm-69	91	3	we	we	PRON
arjefm-69	91	4	used	use	VERB
arjefm-69	91	5	are	be	AUX
arjefm-69	91	6	shown	show	VERB
arjefm-69	91	7	in	in	ADP
arjefm-69	91	8	appendix	appendix	NOUN
arjefm-69	91	9	1.the	1.the	DET
arjefm-69	91	10	names	name	NOUN
arjefm-69	91	11	of	of	ADP
arjefm-69	91	12	the	the	DET
arjefm-69	91	13	banks	bank	NOUN
arjefm-69	91	14	have	have	AUX
arjefm-69	91	15	been	be	AUX
arjefm-69	91	16	masked	mask	VERB
arjefm-69	91	17	for	for	ADP
arjefm-69	91	18	anonymity	anonymity	NOUN
arjefm-69	91	19	.	.	PUNCT
arjefm-69	92	1	panel	panel	NOUN
arjefm-69	92	2	data	datum	NOUN
arjefm-69	92	3	regression	regression	NOUN
arjefm-69	92	4	analysis	analysis	NOUN
arjefm-69	92	5	using	use	VERB
arjefm-69	92	6	the	the	DET
arjefm-69	92	7	plm	plm	PROPN
arjefm-69	92	8	package	package	NOUN
arjefm-69	92	9	in	in	ADP
arjefm-69	92	10	the	the	DET
arjefm-69	92	11	r	r	NOUN
arjefm-69	92	12	system	system	NOUN
arjefm-69	92	13	was	be	AUX
arjefm-69	92	14	used	use	VERB
arjefm-69	92	15	since	since	SCONJ
arjefm-69	92	16	data	datum	NOUN
arjefm-69	92	17	is	be	AUX
arjefm-69	92	18	across	across	ADP
arjefm-69	92	19	banks	bank	NOUN
arjefm-69	92	20	and	and	CCONJ
arjefm-69	92	21	across	across	ADP
arjefm-69	92	22	time	time	NOUN
arjefm-69	92	23	for	for	ADP
arjefm-69	92	24	each	each	DET
arjefm-69	92	25	bank(croissant	bank(croissant	PROPN
arjefm-69	92	26	et	et	PROPN
arjefm-69	92	27	al	al	PROPN
arjefm-69	92	28	.	.	PROPN
arjefm-69	92	29	,	,	PUNCT
arjefm-69	92	30	2017	2017	NUM
arjefm-69	92	31	)	)	PUNCT
arjefm-69	92	32	.	.	PUNCT
arjefm-69	93	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-69	94	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	95	1	american	american	PROPN
arjefm-69	95	2	research	research	PROPN
arjefm-69	95	3	journal	journal	PROPN
arjefm-69	95	4	of	of	ADP
arjefm-69	95	5	economics	economic	NOUN
arjefm-69	95	6	,	,	PUNCT
arjefm-69	95	7	finance	finance	NOUN
arjefm-69	95	8	and	and	CCONJ
arjefm-69	95	9	management	management	NOUN
arjefm-69	95	10	volume	volume	NOUN
arjefm-69	95	11	10	10	NUM
arjefm-69	95	12	issue	issue	NOUN
arjefm-69	95	13	3	3	NUM
arjefm-69	95	14	,	,	PUNCT
arjefm-69	95	15	july	july	PROPN
arjefm-69	95	16	-	-	PUNCT
arjefm-69	95	17	september	september	PROPN
arjefm-69	95	18	2022	2022	NUM
arjefm-69	95	19	issn	issn	NOUN
arjefm-69	95	20	:	:	PUNCT
arjefm-69	95	21	2836	2836	NUM
arjefm-69	95	22	-	-	SYM
arjefm-69	95	23	9416	9416	NUM
arjefm-69	95	24	impact	impact	NOUN
arjefm-69	95	25	factor	factor	NOUN
arjefm-69	95	26	:	:	PUNCT
arjefm-69	95	27	4.85	4.85	NUM
arjefm-69	95	28	journal	journal	NOUN
arjefm-69	95	29	homepage	homepage	NOUN
arjefm-69	95	30	:	:	PUNCT
arjefm-69	95	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	95	32	,	,	PUNCT
arjefm-69	95	33	email	email	NOUN
arjefm-69	95	34	:	:	PUNCT
arjefm-69	96	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	96	2	official	official	ADJ
arjefm-69	96	3	journal	journal	PROPN
arjefm-69	96	4	of	of	ADP
arjefm-69	96	5	america	america	PROPN
arjefm-69	96	6	serial	serial	PROPN
arjefm-69	96	7	publication	publication	NOUN
arjefm-69	96	8	american	american	PROPN
arjefm-69	96	9	research	research	PROPN
arjefm-69	96	10	journal	journal	PROPN
arjefm-69	96	11	of	of	ADP
arjefm-69	96	12	economics	economic	NOUN
arjefm-69	96	13	,	,	PUNCT
arjefm-69	96	14	finance	finance	NOUN
arjefm-69	96	15	and	and	CCONJ
arjefm-69	96	16	management	management	NOUN
arjefm-69	96	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	96	18	,	,	PUNCT
arjefm-69	96	19	email	email	NOUN
arjefm-69	96	20	:	:	PUNCT
arjefm-69	96	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	97	1	5	5	NUM
arjefm-69	98	1	|	|	ADV
arjefm-69	98	2	p	p	X
arjefm-69	98	3	a	a	DET
arjefm-69	98	4	g	g	NOUN
arjefm-69	98	5	e	e	NOUN
arjefm-69	98	6	table	table	NOUN
arjefm-69	98	7	1	1	NUM
arjefm-69	98	8	shows	show	VERB
arjefm-69	98	9	the	the	DET
arjefm-69	98	10	summary	summary	NOUN
arjefm-69	98	11	statistics	statistic	NOUN
arjefm-69	98	12	for	for	ADP
arjefm-69	98	13	each	each	DET
arjefm-69	98	14	factor	factor	NOUN
arjefm-69	98	15	used	use	VERB
arjefm-69	98	16	in	in	ADP
arjefm-69	98	17	our	our	PRON
arjefm-69	98	18	study	study	NOUN
arjefm-69	98	19	.	.	PUNCT
arjefm-69	99	1	the	the	DET
arjefm-69	99	2	relative	relative	ADJ
arjefm-69	99	3	standard	standard	ADJ
arjefm-69	99	4	deviation	deviation	NOUN
arjefm-69	99	5	,	,	PUNCT
arjefm-69	99	6	or	or	CCONJ
arjefm-69	99	7	the	the	DET
arjefm-69	99	8	coefficient	coefficient	NOUN
arjefm-69	99	9	of	of	ADP
arjefm-69	99	10	variation	variation	NOUN
arjefm-69	99	11	is	be	AUX
arjefm-69	99	12	(	(	PUNCT
arjefm-69	99	13	standard	standard	ADJ
arjefm-69	99	14	deviation	deviation	NOUN
arjefm-69	99	15	/	/	SYM
arjefm-69	99	16	mean	mean	NOUN
arjefm-69	99	17	)	)	PUNCT
arjefm-69	99	18	*	*	PUNCT
arjefm-69	99	19	100	100	NUM
arjefm-69	99	20	,	,	PUNCT
arjefm-69	99	21	and	and	CCONJ
arjefm-69	99	22	gives	give	VERB
arjefm-69	99	23	a	a	DET
arjefm-69	99	24	dimension	dimension	NOUN
arjefm-69	99	25	free	free	ADJ
arjefm-69	99	26	illustration	illustration	NOUN
arjefm-69	99	27	of	of	ADP
arjefm-69	99	28	variation	variation	NOUN
arjefm-69	99	29	in	in	ADP
arjefm-69	99	30	the	the	DET
arjefm-69	99	31	data	datum	NOUN
arjefm-69	99	32	(	(	PUNCT
arjefm-69	99	33	everitt	everitt	PROPN
arjefm-69	99	34	,	,	PUNCT
arjefm-69	99	35	1998	1998	NUM
arjefm-69	99	36	)	)	PUNCT
arjefm-69	99	37	.	.	PUNCT
arjefm-69	100	1	we	we	PRON
arjefm-69	100	2	see	see	VERB
arjefm-69	100	3	that	that	SCONJ
arjefm-69	100	4	npl	npl	PROPN
arjefm-69	100	5	had	have	VERB
arjefm-69	100	6	the	the	DET
arjefm-69	100	7	most	most	ADJ
arjefm-69	100	8	variation	variation	NOUN
arjefm-69	100	9	while	while	SCONJ
arjefm-69	100	10	deposits	deposit	NOUN
arjefm-69	100	11	to	to	PART
arjefm-69	100	12	total	total	ADJ
arjefm-69	100	13	assets	asset	NOUN
arjefm-69	100	14	had	have	VERB
arjefm-69	100	15	the	the	DET
arjefm-69	100	16	least	least	ADJ
arjefm-69	100	17	.	.	PUNCT
arjefm-69	101	1	this	this	PRON
arjefm-69	101	2	is	be	AUX
arjefm-69	101	3	not	not	PART
arjefm-69	101	4	surprising	surprising	ADJ
arjefm-69	101	5	since	since	SCONJ
arjefm-69	101	6	npl	npl	PROPN
arjefm-69	101	7	reflects	reflect	VERB
arjefm-69	101	8	the	the	DET
arjefm-69	101	9	managerial	managerial	ADJ
arjefm-69	101	10	policies	policy	NOUN
arjefm-69	101	11	of	of	ADP
arjefm-69	101	12	the	the	DET
arjefm-69	101	13	bank	bank	NOUN
arjefm-69	101	14	regarding	regard	VERB
arjefm-69	101	15	lending	lending	NOUN
arjefm-69	101	16	criteria	criterion	NOUN
arjefm-69	101	17	,	,	PUNCT
arjefm-69	101	18	while	while	SCONJ
arjefm-69	101	19	banks	bank	NOUN
arjefm-69	101	20	are	be	AUX
arjefm-69	101	21	tightly	tightly	ADV
arjefm-69	101	22	regulated	regulate	VERB
arjefm-69	101	23	on	on	ADP
arjefm-69	101	24	the	the	DET
arjefm-69	101	25	latter	latter	ADJ
arjefm-69	101	26	metric	metric	NOUN
arjefm-69	101	27	.	.	PUNCT
arjefm-69	102	1	table	table	NOUN
arjefm-69	102	2	1	1	NUM
arjefm-69	102	3	.	.	PUNCT
arjefm-69	102	4	descriptive	descriptive	ADJ
arjefm-69	102	5	statistics	statistic	NOUN
arjefm-69	102	6	for	for	ADP
arjefm-69	102	7	factors	factor	NOUN
arjefm-69	102	8	minimum	minimum	ADJ
arjefm-69	102	9	maximum	maximum	ADJ
arjefm-69	102	10	mean	mean	ADJ
arjefm-69	102	11	std	std	NOUN
arjefm-69	102	12	.	.	PUNCT
arjefm-69	103	1	deviation	deviation	NOUN
arjefm-69	103	2	coefficient	coefficient	NOUN
arjefm-69	103	3	of	of	ADP
arjefm-69	103	4	variation	variation	NOUN
arjefm-69	103	5	%	%	NOUN
arjefm-69	103	6	training	training	NOUN
arjefm-69	103	7	ratio	ratio	NOUN
arjefm-69	103	8	748	748	NUM
arjefm-69	103	9	16187	16187	NUM
arjefm-69	103	10	6942	6942	NUM
arjefm-69	103	11	4176.20	4176.20	NUM
arjefm-69	103	12	60.16	60.16	NUM
arjefm-69	103	13	operating	operating	NOUN
arjefm-69	103	14	profit	profit	NOUN
arjefm-69	103	15	78701459.0	78701459.0	NUM
arjefm-69	103	16	5464678241.0	5464678241.0	NUM
arjefm-69	103	17	1778578035.25	1778578035.25	NUM
arjefm-69	103	18	1127167487.71	1127167487.71	NUM
arjefm-69	103	19	63.38	63.38	NUM
arjefm-69	103	20	credit	credit	NOUN
arjefm-69	103	21	exposure	exposure	NOUN
arjefm-69	103	22	3839128465.0	3839128465.0	NUM
arjefm-69	103	23	144429063000.0	144429063000.0	NUM
arjefm-69	103	24	46535702441.50	46535702441.50	NUM
arjefm-69	103	25	27833065588.74	27833065588.74	NUM
arjefm-69	103	26	59.81	59.81	NUM
arjefm-69	103	27	npl	npl	X
arjefm-69	103	28	.004	.004	NUM
arjefm-69	103	29	4.220	4.220	NUM
arjefm-69	103	30	1.10	1.10	NUM
arjefm-69	103	31	.978	.978	NUM
arjefm-69	103	32	88.58	88.58	NUM
arjefm-69	103	33	liquidity	liquidity	NOUN
arjefm-69	103	34	3.0200	3.0200	NUM
arjefm-69	103	35	30.96	30.96	NUM
arjefm-69	103	36	13.56	13.56	NUM
arjefm-69	103	37	7.42	7.42	NUM
arjefm-69	103	38	54.95	54.95	NUM
arjefm-69	103	39	deposits	deposit	NOUN
arjefm-69	103	40	to	to	PART
arjefm-69	103	41	total	total	ADJ
arjefm-69	103	42	assets	asset	NOUN
arjefm-69	103	43	67.89	67.89	NUM
arjefm-69	103	44	90.27	90.27	NUM
arjefm-69	103	45	85.64	85.64	NUM
arjefm-69	103	46	3.87	3.87	NUM
arjefm-69	103	47	4.51	4.51	NUM
arjefm-69	103	48	the	the	DET
arjefm-69	103	49	model	model	NOUN
arjefm-69	103	50	we	we	PRON
arjefm-69	103	51	used	use	VERB
arjefm-69	103	52	is	be	AUX
arjefm-69	103	53	shown	show	VERB
arjefm-69	103	54	below	below	ADP
arjefm-69	103	55	.	.	PUNCT
arjefm-69	104	1	yit	yit	PROPN
arjefm-69	104	2	=	=	SYM
arjefm-69	105	1	β0+β1(l)it+β2(npl)it+β3(cr)it+β4(d)it+β5(tr)it+	β0+β1(l)it+β2(npl)it+β3(cr)it+β4(d)it+β5(tr)it+	PROPN
arjefm-69	105	2	µit	µit	PROPN
arjefm-69	105	3	,	,	PUNCT
arjefm-69	105	4	where	where	SCONJ
arjefm-69	105	5	y	y	PROPN
arjefm-69	105	6	–	–	PUNCT
arjefm-69	105	7	operating	operate	VERB
arjefm-69	105	8	profit	profit	NOUN
arjefm-69	105	9	npl	npl	NOUN
arjefm-69	105	10	–	–	PUNCT
arjefm-69	105	11	non	non	ADJ
arjefm-69	105	12	-	-	ADJ
arjefm-69	105	13	performing	performing	ADJ
arjefm-69	105	14	loan	loan	NOUN
arjefm-69	105	15	cr	cr	NOUN
arjefm-69	105	16	–	–	PUNCT
arjefm-69	105	17	credit	credit	NOUN
arjefm-69	105	18	exposure	exposure	NOUN
arjefm-69	105	19	d	d	PROPN
arjefm-69	105	20	deposits	deposit	NOUN
arjefm-69	105	21	l	l	NOUN
arjefm-69	105	22	–	–	PUNCT
arjefm-69	105	23	liquidity	liquidity	NOUN
arjefm-69	105	24	tr	tr	NOUN
arjefm-69	105	25	–	–	PUNCT
arjefm-69	105	26	training	training	NOUN
arjefm-69	105	27	ratio	ratio	NOUN
arjefm-69	105	28	β0	β0	ADJ
arjefm-69	105	29	constant	constant	ADJ
arjefm-69	105	30	parameter	parameter	NOUN
arjefm-69	105	31	/	/	SYM
arjefm-69	105	32	intercept	intercept	NOUN
arjefm-69	105	33	β1	β1	NOUN
arjefm-69	105	34	-	-	PUNCT
arjefm-69	105	35	5	5	NUM
arjefm-69	105	36	–	–	PUNCT
arjefm-69	105	37	coefficient	coefficient	NOUN
arjefm-69	105	38	of	of	ADP
arjefm-69	105	39	independent	independent	ADJ
arjefm-69	105	40	variables	variable	NOUN
arjefm-69	105	41	µ	µ	PRON
arjefm-69	105	42	error	error	NOUN
arjefm-69	105	43	term	term	NOUN
arjefm-69	105	44	i	i	PRON
arjefm-69	105	45	–	–	PUNCT
arjefm-69	105	46	cross	cross	VERB
arjefm-69	105	47	sectional	sectional	PROPN
arjefm-69	105	48	t	t	PROPN
arjefm-69	105	49	–	–	PUNCT
arjefm-69	105	50	time	time	NOUN
arjefm-69	105	51	period	period	NOUN
arjefm-69	105	52	table	table	NOUN
arjefm-69	105	53	2	2	NUM
arjefm-69	105	54	shows	show	VERB
arjefm-69	105	55	the	the	DET
arjefm-69	105	56	correlation	correlation	NOUN
arjefm-69	105	57	between	between	ADP
arjefm-69	105	58	the	the	DET
arjefm-69	105	59	factors	factor	NOUN
arjefm-69	105	60	.	.	PUNCT
arjefm-69	106	1	training	training	NOUN
arjefm-69	106	2	expense	expense	NOUN
arjefm-69	106	3	credit	credit	NOUN
arjefm-69	106	4	exposure	exposure	NOUN
arjefm-69	106	5	npl	npl	PROPN
arjefm-69	106	6	liquidity	liquidity	NOUN
arjefm-69	106	7	deposits	deposit	NOUN
arjefm-69	106	8	to	to	PART
arjefm-69	106	9	total	total	ADJ
arjefm-69	106	10	assets	asset	NOUN
arjefm-69	106	11	training	training	NOUN
arjefm-69	106	12	expense	expense	NOUN
arjefm-69	106	13	1	1	NUM
arjefm-69	106	14	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-69	106	15	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	106	16	american	american	PROPN
arjefm-69	106	17	research	research	PROPN
arjefm-69	106	18	journal	journal	PROPN
arjefm-69	106	19	of	of	ADP
arjefm-69	106	20	economics	economic	NOUN
arjefm-69	106	21	,	,	PUNCT
arjefm-69	106	22	finance	finance	NOUN
arjefm-69	106	23	and	and	CCONJ
arjefm-69	106	24	management	management	NOUN
arjefm-69	106	25	volume	volume	NOUN
arjefm-69	106	26	10	10	NUM
arjefm-69	106	27	issue	issue	NOUN
arjefm-69	106	28	3	3	NUM
arjefm-69	106	29	,	,	PUNCT
arjefm-69	106	30	july	july	PROPN
arjefm-69	106	31	-	-	PUNCT
arjefm-69	106	32	september	september	PROPN
arjefm-69	106	33	2022	2022	NUM
arjefm-69	106	34	issn	issn	NOUN
arjefm-69	106	35	:	:	PUNCT
arjefm-69	106	36	2836	2836	NUM
arjefm-69	106	37	-	-	SYM
arjefm-69	106	38	9416	9416	NUM
arjefm-69	106	39	impact	impact	NOUN
arjefm-69	106	40	factor	factor	NOUN
arjefm-69	106	41	:	:	PUNCT
arjefm-69	106	42	4.85	4.85	NUM
arjefm-69	106	43	journal	journal	NOUN
arjefm-69	106	44	homepage	homepage	NOUN
arjefm-69	106	45	:	:	PUNCT
arjefm-69	106	46	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	106	47	,	,	PUNCT
arjefm-69	106	48	email	email	NOUN
arjefm-69	106	49	:	:	PUNCT
arjefm-69	106	50	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	106	51	official	official	ADJ
arjefm-69	106	52	journal	journal	PROPN
arjefm-69	106	53	of	of	ADP
arjefm-69	106	54	america	america	PROPN
arjefm-69	106	55	serial	serial	PROPN
arjefm-69	106	56	publication	publication	NOUN
arjefm-69	106	57	american	american	PROPN
arjefm-69	106	58	research	research	PROPN
arjefm-69	106	59	journal	journal	PROPN
arjefm-69	106	60	of	of	ADP
arjefm-69	106	61	economics	economic	NOUN
arjefm-69	106	62	,	,	PUNCT
arjefm-69	106	63	finance	finance	NOUN
arjefm-69	106	64	and	and	CCONJ
arjefm-69	106	65	management	management	NOUN
arjefm-69	106	66	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	106	67	,	,	PUNCT
arjefm-69	106	68	email	email	NOUN
arjefm-69	106	69	:	:	PUNCT
arjefm-69	106	70	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	107	1	6	6	NUM
arjefm-69	107	2	|	|	ADV
arjefm-69	107	3	p	p	X
arjefm-69	107	4	a	a	DET
arjefm-69	107	5	g	g	NOUN
arjefm-69	107	6	e	e	NOUN
arjefm-69	107	7	credit	credit	NOUN
arjefm-69	107	8	exposure	exposure	NOUN
arjefm-69	107	9	0.212	0.212	NUM
arjefm-69	107	10	1	1	NUM
arjefm-69	107	11	npl	npl	NOUN
arjefm-69	107	12	0.08	0.08	NUM
arjefm-69	107	13	.160	.160	NUM
arjefm-69	107	14	1	1	NUM
arjefm-69	107	15	liquidity	liquidity	NOUN
arjefm-69	107	16	-0.368	-0.368	PUNCT
arjefm-69	107	17	-.228	-.228	PROPN
arjefm-69	107	18	-.505	-.505	PROPN
arjefm-69	107	19	1	1	NUM
arjefm-69	107	20	deposits	deposit	NOUN
arjefm-69	107	21	to	to	ADP
arjefm-69	107	22	total	total	ADJ
arjefm-69	107	23	assets	asset	NOUN
arjefm-69	107	24	0.261	0.261	NUM
arjefm-69	107	25	.177	.177	NUM
arjefm-69	107	26	.349	.349	NUM
arjefm-69	107	27	-.0.49	-.0.49	PUNCT
arjefm-69	107	28	1	1	NUM
arjefm-69	107	29	table	table	NOUN
arjefm-69	107	30	2	2	NUM
arjefm-69	107	31	correlation	correlation	NOUN
arjefm-69	107	32	matrix	matrix	NOUN
arjefm-69	107	33	of	of	ADP
arjefm-69	107	34	independent	independent	ADJ
arjefm-69	107	35	variables	variable	NOUN
arjefm-69	107	36	the	the	DET
arjefm-69	107	37	correlations	correlation	NOUN
arjefm-69	107	38	are	be	AUX
arjefm-69	107	39	low	low	ADJ
arjefm-69	107	40	to	to	PART
arjefm-69	107	41	moderate	moderate	VERB
arjefm-69	107	42	amongst	amongst	ADP
arjefm-69	107	43	the	the	DET
arjefm-69	107	44	factors	factor	NOUN
arjefm-69	107	45	,	,	PUNCT
arjefm-69	107	46	with	with	ADP
arjefm-69	107	47	npl	npl	NOUN
arjefm-69	107	48	-	-	PUNCT
arjefm-69	107	49	liquidity	liquidity	NOUN
arjefm-69	107	50	and	and	CCONJ
arjefm-69	107	51	liquidity	liquidity	NOUN
arjefm-69	107	52	-	-	PUNCT
arjefm-69	107	53	deposits	deposit	NOUN
arjefm-69	107	54	to	to	PART
arjefm-69	107	55	total	total	ADJ
arjefm-69	107	56	assets	asset	NOUN
arjefm-69	107	57	being	be	AUX
arjefm-69	107	58	the	the	DET
arjefm-69	107	59	highest	high	ADJ
arjefm-69	107	60	in	in	ADP
arjefm-69	107	61	magnitude	magnitude	NOUN
arjefm-69	107	62	.	.	PUNCT
arjefm-69	108	1	given	give	VERB
arjefm-69	108	2	these	these	DET
arjefm-69	108	3	correlations	correlation	NOUN
arjefm-69	108	4	,	,	PUNCT
arjefm-69	108	5	multicollinearity	multicollinearity	NOUN
arjefm-69	108	6	amongst	amongst	ADP
arjefm-69	108	7	factors	factor	NOUN
arjefm-69	108	8	appears	appear	VERB
arjefm-69	108	9	to	to	PART
arjefm-69	108	10	be	be	AUX
arjefm-69	108	11	low	low	ADJ
arjefm-69	108	12	in	in	ADP
arjefm-69	108	13	our	our	PRON
arjefm-69	108	14	sample	sample	NOUN
arjefm-69	108	15	.	.	PUNCT
arjefm-69	109	1	since	since	SCONJ
arjefm-69	109	2	the	the	DET
arjefm-69	109	3	levels	level	NOUN
arjefm-69	109	4	of	of	ADP
arjefm-69	109	5	correlation	correlation	NOUN
arjefm-69	109	6	are	be	AUX
arjefm-69	109	7	below	below	ADP
arjefm-69	109	8	0.7	0.7	NUM
arjefm-69	109	9	,	,	PUNCT
arjefm-69	109	10	the	the	DET
arjefm-69	109	11	variance	variance	NOUN
arjefm-69	109	12	inflation	inflation	NOUN
arjefm-69	109	13	values	value	NOUN
arjefm-69	109	14	were	be	AUX
arjefm-69	109	15	not	not	PART
arjefm-69	109	16	calculated	calculate	VERB
arjefm-69	109	17	for	for	ADP
arjefm-69	109	18	any	any	DET
arjefm-69	109	19	variable	variable	NOUN
arjefm-69	109	20	in	in	ADP
arjefm-69	109	21	our	our	PRON
arjefm-69	109	22	analysis	analysis	NOUN
arjefm-69	109	23	.	.	PUNCT
arjefm-69	110	1	3.1	3.1	NUM
arjefm-69	110	2	panel	panel	NOUN
arjefm-69	110	3	data	datum	NOUN
arjefm-69	110	4	regression	regression	NOUN
arjefm-69	110	5	results	result	VERB
arjefm-69	110	6	time	time	NOUN
arjefm-69	110	7	period	period	NOUN
arjefm-69	110	8	2007	2007	NUM
arjefm-69	110	9	-	-	SYM
arjefm-69	110	10	2014	2014	NUM
arjefm-69	110	11	table	table	NOUN
arjefm-69	110	12	3	3	NUM
arjefm-69	110	13	analysis	analysis	NOUN
arjefm-69	110	14	of	of	ADP
arjefm-69	110	15	model	model	NOUN
arjefm-69	110	16	in	in	ADP
arjefm-69	110	17	2007	2007	NUM
arjefm-69	110	18	-	-	SYM
arjefm-69	110	19	2014	2014	NUM
arjefm-69	110	20	adjusted	adjust	VERB
arjefm-69	110	21	r	r	NOUN
arjefm-69	110	22	square	square	NOUN
arjefm-69	110	23	is	be	AUX
arjefm-69	110	24	0.66789	0.66789	NUM
arjefm-69	110	25	i.e.	i.e.	X
arjefm-69	110	26	66.79	66.79	NUM
arjefm-69	110	27	%	%	NOUN
arjefm-69	110	28	variation	variation	NOUN
arjefm-69	110	29	of	of	ADP
arjefm-69	110	30	dependent	dependent	ADJ
arjefm-69	110	31	variable	variable	NOUN
arjefm-69	110	32	is	be	AUX
arjefm-69	110	33	explained	explain	VERB
arjefm-69	110	34	by	by	ADP
arjefm-69	110	35	the	the	DET
arjefm-69	110	36	independent	independent	ADJ
arjefm-69	110	37	variables	variable	NOUN
arjefm-69	110	38	.	.	PUNCT
arjefm-69	111	1	independent	independent	ADJ
arjefm-69	111	2	variables	variable	NOUN
arjefm-69	111	3	such	such	ADJ
arjefm-69	111	4	as	as	ADP
arjefm-69	111	5	liquidity	liquidity	NOUN
arjefm-69	111	6	,	,	PUNCT
arjefm-69	111	7	npl	npl	PROPN
arjefm-69	111	8	,	,	PUNCT
arjefm-69	111	9	deposits	deposit	NOUN
arjefm-69	111	10	and	and	CCONJ
arjefm-69	111	11	training	training	NOUN
arjefm-69	111	12	ratio	ratio	NOUN
arjefm-69	111	13	are	be	AUX
arjefm-69	111	14	not	not	PART
arjefm-69	111	15	statistically	statistically	ADV
arjefm-69	111	16	significant	significant	ADJ
arjefm-69	111	17	.	.	PUNCT
arjefm-69	112	1	time	time	NOUN
arjefm-69	112	2	period	period	NOUN
arjefm-69	112	3	2015	2015	NUM
arjefm-69	112	4	-	-	SYM
arjefm-69	112	5	2017	2017	NUM
arjefm-69	112	6	table	table	NOUN
arjefm-69	112	7	5	5	NUM
arjefm-69	112	8	analysis	analysis	NOUN
arjefm-69	112	9	of	of	ADP
arjefm-69	112	10	model	model	NOUN
arjefm-69	112	11	in	in	ADP
arjefm-69	112	12	2015	2015	NUM
arjefm-69	112	13	-	-	SYM
arjefm-69	112	14	2017	2017	NUM
arjefm-69	112	15	adjusted	adjust	VERB
arjefm-69	112	16	r	r	NOUN
arjefm-69	112	17	square	square	NOUN
arjefm-69	112	18	is	be	AUX
arjefm-69	112	19	0.92855	0.92855	NUM
arjefm-69	112	20	i.e.	i.e.	X
arjefm-69	112	21	92.86	92.86	NUM
arjefm-69	112	22	%	%	NOUN
arjefm-69	112	23	variation	variation	NOUN
arjefm-69	112	24	of	of	ADP
arjefm-69	112	25	dependent	dependent	ADJ
arjefm-69	112	26	variable	variable	NOUN
arjefm-69	112	27	is	be	AUX
arjefm-69	112	28	explained	explain	VERB
arjefm-69	112	29	by	by	ADP
arjefm-69	112	30	the	the	DET
arjefm-69	112	31	independent	independent	ADJ
arjefm-69	112	32	variables	variable	NOUN
arjefm-69	112	33	.	.	PUNCT
arjefm-69	113	1	table	table	NOUN
arjefm-69	113	2	4	4	NUM
arjefm-69	113	3	coefficients	coefficient	NOUN
arjefm-69	113	4	in	in	ADP
arjefm-69	113	5	2007	2007	NUM
arjefm-69	113	6	2014	2014	NUM
arjefm-69	113	7	from	from	ADP
arjefm-69	113	8	the	the	DET
arjefm-69	113	9	coefficients	coefficient	NOUN
arjefm-69	113	10	,	,	PUNCT
arjefm-69	113	11	credit	credit	NOUN
arjefm-69	113	12	exposure	exposure	NOUN
arjefm-69	113	13	is	be	AUX
arjefm-69	113	14	the	the	DET
arjefm-69	113	15	only	only	ADJ
arjefm-69	113	16	independent	independent	ADJ
arjefm-69	113	17	variable	variable	NOUN
arjefm-69	113	18	,	,	PUNCT
arjefm-69	113	19	which	which	PRON
arjefm-69	113	20	is	be	AUX
arjefm-69	113	21	statistically	statistically	ADV
arjefm-69	113	22	significant	significant	ADJ
arjefm-69	113	23	.	.	PUNCT
arjefm-69	114	1	other	other	ADJ
arjefm-69	114	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	114	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	114	4	american	american	PROPN
arjefm-69	114	5	research	research	PROPN
arjefm-69	114	6	journal	journal	PROPN
arjefm-69	114	7	of	of	ADP
arjefm-69	114	8	economics	economic	NOUN
arjefm-69	114	9	,	,	PUNCT
arjefm-69	114	10	finance	finance	NOUN
arjefm-69	114	11	and	and	CCONJ
arjefm-69	114	12	management	management	NOUN
arjefm-69	114	13	volume	volume	NOUN
arjefm-69	114	14	10	10	NUM
arjefm-69	114	15	issue	issue	NOUN
arjefm-69	114	16	3	3	NUM
arjefm-69	114	17	,	,	PUNCT
arjefm-69	114	18	july	july	PROPN
arjefm-69	114	19	-	-	PUNCT
arjefm-69	114	20	september	september	PROPN
arjefm-69	114	21	2022	2022	NUM
arjefm-69	114	22	issn	issn	NOUN
arjefm-69	114	23	:	:	PUNCT
arjefm-69	114	24	2836	2836	NUM
arjefm-69	114	25	-	-	SYM
arjefm-69	114	26	9416	9416	NUM
arjefm-69	114	27	impact	impact	NOUN
arjefm-69	114	28	factor	factor	NOUN
arjefm-69	114	29	:	:	PUNCT
arjefm-69	114	30	4.85	4.85	NUM
arjefm-69	114	31	journal	journal	NOUN
arjefm-69	114	32	homepage	homepage	NOUN
arjefm-69	114	33	:	:	PUNCT
arjefm-69	114	34	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	114	35	,	,	PUNCT
arjefm-69	114	36	email	email	NOUN
arjefm-69	114	37	:	:	PUNCT
arjefm-69	114	38	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	114	39	official	official	ADJ
arjefm-69	114	40	journal	journal	PROPN
arjefm-69	114	41	of	of	ADP
arjefm-69	114	42	america	america	PROPN
arjefm-69	114	43	serial	serial	PROPN
arjefm-69	114	44	publication	publication	NOUN
arjefm-69	114	45	american	american	PROPN
arjefm-69	114	46	research	research	PROPN
arjefm-69	114	47	journal	journal	PROPN
arjefm-69	114	48	of	of	ADP
arjefm-69	114	49	economics	economic	NOUN
arjefm-69	114	50	,	,	PUNCT
arjefm-69	114	51	finance	finance	NOUN
arjefm-69	114	52	and	and	CCONJ
arjefm-69	114	53	management	management	NOUN
arjefm-69	114	54	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	114	55	,	,	PUNCT
arjefm-69	114	56	email	email	NOUN
arjefm-69	114	57	:	:	PUNCT
arjefm-69	114	58	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	115	1	7	7	NUM
arjefm-69	116	1	|	|	ADV
arjefm-69	116	2	p	p	X
arjefm-69	116	3	a	a	DET
arjefm-69	116	4	g	g	NOUN
arjefm-69	116	5	e	e	NOUN
arjefm-69	116	6	table	table	NOUN
arjefm-69	116	7	6	6	NUM
arjefm-69	116	8	coefficients	coefficient	NOUN
arjefm-69	116	9	in	in	ADP
arjefm-69	116	10	2015	2015	NUM
arjefm-69	116	11	-	-	SYM
arjefm-69	116	12	2017	2017	NUM
arjefm-69	116	13	significant	significant	ADJ
arjefm-69	116	14	.	.	PUNCT
arjefm-69	117	1	other	other	ADJ
arjefm-69	117	2	independent	independent	ADJ
arjefm-69	117	3	variables	variable	NOUN
arjefm-69	117	4	such	such	ADJ
arjefm-69	117	5	as	as	ADP
arjefm-69	117	6	liquidity	liquidity	NOUN
arjefm-69	117	7	,	,	PUNCT
arjefm-69	117	8	deposits	deposit	NOUN
arjefm-69	117	9	and	and	CCONJ
arjefm-69	117	10	training	training	NOUN
arjefm-69	117	11	ratio	ratio	NOUN
arjefm-69	117	12	are	be	AUX
arjefm-69	117	13	not	not	PART
arjefm-69	117	14	statistically	statistically	ADV
arjefm-69	117	15	significant	significant	ADJ
arjefm-69	117	16	.	.	PUNCT
arjefm-69	118	1	tables	table	NOUN
arjefm-69	118	2	7	7	NUM
arjefm-69	118	3	and	and	CCONJ
arjefm-69	118	4	8	8	NUM
arjefm-69	118	5	summarize	summarize	NOUN
arjefm-69	118	6	which	which	PRON
arjefm-69	118	7	hypotheses	hypothesis	NOUN
arjefm-69	118	8	were	be	AUX
arjefm-69	118	9	supported	support	VERB
arjefm-69	118	10	in	in	ADP
arjefm-69	118	11	the	the	DET
arjefm-69	118	12	two	two	NUM
arjefm-69	118	13	data	data	NOUN
arjefm-69	118	14	sets	set	NOUN
arjefm-69	118	15	.	.	PUNCT
arjefm-69	119	1	note	note	VERB
arjefm-69	119	2	that	that	SCONJ
arjefm-69	119	3	a	a	DET
arjefm-69	119	4	null	null	NOUN
arjefm-69	119	5	being	be	AUX
arjefm-69	119	6	rejected	reject	VERB
arjefm-69	119	7	implies	imply	VERB
arjefm-69	119	8	support	support	NOUN
arjefm-69	119	9	for	for	ADP
arjefm-69	119	10	the	the	DET
arjefm-69	119	11	hypothesis	hypothesis	NOUN
arjefm-69	119	12	.	.	PUNCT
arjefm-69	120	1	table	table	NOUN
arjefm-69	120	2	7	7	NUM
arjefm-69	120	3	analysis	analysis	NOUN
arjefm-69	120	4	of	of	ADP
arjefm-69	120	5	hypothesis	hypothesis	NOUN
arjefm-69	120	6	for	for	ADP
arjefm-69	120	7	2007	2007	NUM
arjefm-69	120	8	-	-	SYM
arjefm-69	120	9	14	14	NUM
arjefm-69	120	10	hypothesis	hypothesis	NOUN
arjefm-69	120	11	variables	variable	NOUN
arjefm-69	120	12	null	null	ADV
arjefm-69	120	13	rejected	reject	VERB
arjefm-69	120	14	?	?	PUNCT
arjefm-69	121	1	h1	h1	PROPN
arjefm-69	121	2	liquidity	liquidity	NOUN
arjefm-69	121	3	h2	h2	PROPN
arjefm-69	121	4	credit	credit	NOUN
arjefm-69	121	5	exposure	exposure	NOUN
arjefm-69	121	6	rejected	reject	VERB
arjefm-69	121	7	h3	h3	NOUN
arjefm-69	121	8	npl	npl	PROPN
arjefm-69	121	9	h4	h4	PROPN
arjefm-69	121	10	deposits	deposit	NOUN
arjefm-69	121	11	h5	h5	PROPN
arjefm-69	121	12	training	training	NOUN
arjefm-69	121	13	table	table	NOUN
arjefm-69	121	14	8	8	NUM
arjefm-69	121	15	analysis	analysis	NOUN
arjefm-69	121	16	of	of	ADP
arjefm-69	121	17	hypothesis	hypothesis	NOUN
arjefm-69	121	18	for	for	ADP
arjefm-69	121	19	2015	2015	NUM
arjefm-69	121	20	-	-	SYM
arjefm-69	121	21	17	17	NUM
arjefm-69	121	22	hypothesis	hypothesis	NOUN
arjefm-69	121	23	variables	variable	NOUN
arjefm-69	121	24	null	null	ADV
arjefm-69	121	25	rejected	reject	VERB
arjefm-69	121	26	?	?	PUNCT
arjefm-69	122	1	h1	h1	PROPN
arjefm-69	122	2	liquidity	liquidity	NOUN
arjefm-69	122	3	h2	h2	PROPN
arjefm-69	122	4	credit	credit	NOUN
arjefm-69	122	5	exposure	exposure	NOUN
arjefm-69	122	6	rejected	reject	VERB
arjefm-69	122	7	h3	h3	NOUN
arjefm-69	122	8	npl	npl	PROPN
arjefm-69	122	9	rejected	reject	VERB
arjefm-69	122	10	h4	h4	PROPN
arjefm-69	122	11	deposits	deposit	NOUN
arjefm-69	122	12	h5	h5	PROPN
arjefm-69	122	13	training	training	NOUN
arjefm-69	122	14	3	3	NUM
arjefm-69	122	15	.	.	PUNCT
arjefm-69	122	16	discussion	discussion	NOUN
arjefm-69	122	17	earlier	early	ADJ
arjefm-69	122	18	work	work	NOUN
arjefm-69	122	19	has	have	AUX
arjefm-69	122	20	shown	show	VERB
arjefm-69	122	21	that	that	SCONJ
arjefm-69	122	22	non	non	ADJ
arjefm-69	122	23	-	-	ADJ
arjefm-69	122	24	performing	performing	ADJ
arjefm-69	122	25	loans	loan	NOUN
arjefm-69	122	26	impact	impact	NOUN
arjefm-69	122	27	banks‟	banks‟	CCONJ
arjefm-69	122	28	financial	financial	ADJ
arjefm-69	122	29	performance	performance	NOUN
arjefm-69	122	30	in	in	ADP
arjefm-69	122	31	developing	develop	VERB
arjefm-69	122	32	economies	economy	NOUN
arjefm-69	122	33	.	.	PUNCT
arjefm-69	123	1	for	for	ADP
arjefm-69	123	2	example	example	NOUN
arjefm-69	123	3	,	,	PUNCT
arjefm-69	123	4	the	the	DET
arjefm-69	123	5	return	return	NOUN
arjefm-69	123	6	on	on	ADP
arjefm-69	123	7	assets	asset	NOUN
arjefm-69	123	8	of	of	ADP
arjefm-69	123	9	nigerian	nigerian	ADJ
arjefm-69	123	10	banks	bank	NOUN
arjefm-69	123	11	was	be	AUX
arjefm-69	123	12	found	find	VERB
arjefm-69	123	13	to	to	PART
arjefm-69	123	14	be	be	AUX
arjefm-69	123	15	affected	affect	VERB
arjefm-69	123	16	by	by	ADP
arjefm-69	123	17	the	the	DET
arjefm-69	123	18	default	default	NOUN
arjefm-69	123	19	ratio	ratio	NOUN
arjefm-69	123	20	(	(	PUNCT
arjefm-69	123	21	npl	npl	NOUN
arjefm-69	123	22	/	/	SYM
arjefm-69	123	23	total	total	ADJ
arjefm-69	123	24	loans	loan	NOUN
arjefm-69	123	25	)	)	PUNCT
arjefm-69	123	26	in	in	ADP
arjefm-69	123	27	(	(	PUNCT
arjefm-69	123	28	kurawa	kurawa	PROPN
arjefm-69	123	29	&	&	CCONJ
arjefm-69	123	30	garba	garba	PROPN
arjefm-69	123	31	,	,	PUNCT
arjefm-69	123	32	2014	2014	NUM
arjefm-69	123	33	)	)	PUNCT
arjefm-69	123	34	.	.	PUNCT
arjefm-69	124	1	the	the	DET
arjefm-69	124	2	return	return	NOUN
arjefm-69	124	3	on	on	ADP
arjefm-69	124	4	assets	asset	NOUN
arjefm-69	124	5	and	and	CCONJ
arjefm-69	124	6	return	return	VERB
arjefm-69	124	7	on	on	ADP
arjefm-69	124	8	equity	equity	NOUN
arjefm-69	124	9	of	of	ADP
arjefm-69	124	10	turkish	turkish	ADJ
arjefm-69	124	11	banks	bank	NOUN
arjefm-69	124	12	was	be	AUX
arjefm-69	124	13	found	find	VERB
arjefm-69	124	14	to	to	PART
arjefm-69	124	15	be	be	AUX
arjefm-69	124	16	affected	affect	VERB
arjefm-69	124	17	by	by	ADP
arjefm-69	124	18	non	non	ADJ
arjefm-69	124	19	-	-	ADJ
arjefm-69	124	20	performing	performing	ADJ
arjefm-69	124	21	loans	loan	NOUN
arjefm-69	124	22	in	in	ADP
arjefm-69	124	23	(	(	PUNCT
arjefm-69	124	24	kadioglu	kadioglu	NOUN
arjefm-69	124	25	,	,	PUNCT
arjefm-69	124	26	telceken	telceken	VERB
arjefm-69	124	27	,	,	PUNCT
arjefm-69	124	28	&	&	CCONJ
arjefm-69	124	29	ocal	ocal	ADJ
arjefm-69	124	30	,	,	PUNCT
arjefm-69	124	31	2017	2017	NUM
arjefm-69	124	32	)	)	PUNCT
arjefm-69	124	33	.	.	PUNCT
arjefm-69	125	1	however	however	ADV
arjefm-69	125	2	,	,	PUNCT
arjefm-69	125	3	the	the	DET
arjefm-69	125	4	impact	impact	NOUN
arjefm-69	125	5	of	of	ADP
arjefm-69	125	6	non	non	ADJ
arjefm-69	125	7	-	-	ADJ
arjefm-69	125	8	performing	performing	ADJ
arjefm-69	125	9	loans	loan	NOUN
arjefm-69	125	10	on	on	ADP
arjefm-69	125	11	the	the	DET
arjefm-69	125	12	financial	financial	ADJ
arjefm-69	125	13	performance	performance	NOUN
arjefm-69	125	14	of	of	ADP
arjefm-69	125	15	nepalese	nepalese	ADJ
arjefm-69	125	16	banks	bank	NOUN
arjefm-69	125	17	is	be	AUX
arjefm-69	125	18	uncertain	uncertain	ADJ
arjefm-69	125	19	.	.	PUNCT
arjefm-69	126	1	two	two	NUM
arjefm-69	126	2	unpublished	unpublished	ADJ
arjefm-69	126	3	masters	master	NOUN
arjefm-69	126	4	theses	theses	PRON
arjefm-69	126	5	cited	cite	VERB
arjefm-69	126	6	in	in	ADP
arjefm-69	126	7	(	(	PUNCT
arjefm-69	126	8	gnawali	gnawali	ADJ
arjefm-69	126	9	,	,	PUNCT
arjefm-69	126	10	2018	2018	NUM
arjefm-69	126	11	)	)	PUNCT
arjefm-69	126	12	indicate	indicate	VERB
arjefm-69	126	13	that	that	SCONJ
arjefm-69	126	14	non	non	ADJ
arjefm-69	126	15	-	-	ADJ
arjefm-69	126	16	performing	perform	VERB
arjefm-69	126	17	from	from	ADP
arjefm-69	126	18	the	the	DET
arjefm-69	126	19	coefficients	coefficient	NOUN
arjefm-69	126	20	,	,	PUNCT
arjefm-69	126	21	credit	credit	NOUN
arjefm-69	126	22	exposure	exposure	NOUN
arjefm-69	126	23	and	and	CCONJ
arjefm-69	126	24	npl	npl	PROPN
arjefm-69	126	25	are	be	AUX
arjefm-69	126	26	the	the	DET
arjefm-69	126	27	only	only	ADJ
arjefm-69	126	28	independent	independent	ADJ
arjefm-69	126	29	variable	variable	NOUN
arjefm-69	126	30	,	,	PUNCT
arjefm-69	126	31	which	which	PRON
arjefm-69	126	32	are	be	AUX
arjefm-69	126	33	statistically	statistically	ADV
arjefm-69	126	34	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-69	126	35	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	127	1	american	american	PROPN
arjefm-69	127	2	research	research	PROPN
arjefm-69	127	3	journal	journal	PROPN
arjefm-69	127	4	of	of	ADP
arjefm-69	127	5	economics	economic	NOUN
arjefm-69	127	6	,	,	PUNCT
arjefm-69	127	7	finance	finance	NOUN
arjefm-69	127	8	and	and	CCONJ
arjefm-69	127	9	management	management	NOUN
arjefm-69	127	10	volume	volume	NOUN
arjefm-69	127	11	10	10	NUM
arjefm-69	127	12	issue	issue	NOUN
arjefm-69	127	13	3	3	NUM
arjefm-69	127	14	,	,	PUNCT
arjefm-69	127	15	july	july	PROPN
arjefm-69	127	16	-	-	PUNCT
arjefm-69	127	17	september	september	PROPN
arjefm-69	127	18	2022	2022	NUM
arjefm-69	127	19	issn	issn	NOUN
arjefm-69	127	20	:	:	PUNCT
arjefm-69	127	21	2836	2836	NUM
arjefm-69	127	22	-	-	SYM
arjefm-69	127	23	9416	9416	NUM
arjefm-69	127	24	impact	impact	NOUN
arjefm-69	127	25	factor	factor	NOUN
arjefm-69	127	26	:	:	PUNCT
arjefm-69	127	27	4.85	4.85	NUM
arjefm-69	127	28	journal	journal	NOUN
arjefm-69	127	29	homepage	homepage	NOUN
arjefm-69	127	30	:	:	PUNCT
arjefm-69	127	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	127	32	,	,	PUNCT
arjefm-69	127	33	email	email	NOUN
arjefm-69	127	34	:	:	PUNCT
arjefm-69	128	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	128	2	official	official	ADJ
arjefm-69	128	3	journal	journal	PROPN
arjefm-69	128	4	of	of	ADP
arjefm-69	128	5	america	america	PROPN
arjefm-69	128	6	serial	serial	PROPN
arjefm-69	128	7	publication	publication	NOUN
arjefm-69	128	8	american	american	PROPN
arjefm-69	128	9	research	research	PROPN
arjefm-69	128	10	journal	journal	PROPN
arjefm-69	128	11	of	of	ADP
arjefm-69	128	12	economics	economic	NOUN
arjefm-69	128	13	,	,	PUNCT
arjefm-69	128	14	finance	finance	NOUN
arjefm-69	128	15	and	and	CCONJ
arjefm-69	128	16	management	management	NOUN
arjefm-69	128	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	128	18	,	,	PUNCT
arjefm-69	128	19	email	email	NOUN
arjefm-69	128	20	:	:	PUNCT
arjefm-69	128	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	128	22	8	8	NUM
arjefm-69	129	1	|	|	ADV
arjefm-69	129	2	p	p	X
arjefm-69	129	3	a	a	DET
arjefm-69	129	4	g	g	NOUN
arjefm-69	129	5	e	e	NOUN
arjefm-69	129	6	assets	asset	NOUN
arjefm-69	129	7	negatively	negatively	ADV
arjefm-69	129	8	impact	impact	VERB
arjefm-69	130	1	commercial	commercial	ADJ
arjefm-69	130	2	banks‟	banks‟	CCONJ
arjefm-69	130	3	financial	financial	ADJ
arjefm-69	130	4	performance	performance	NOUN
arjefm-69	130	5	in	in	ADP
arjefm-69	130	6	nepal	nepal	NOUN
arjefm-69	130	7	.	.	PUNCT
arjefm-69	131	1	in	in	ADP
arjefm-69	131	2	contrast	contrast	NOUN
arjefm-69	131	3	,	,	PUNCT
arjefm-69	131	4	another	another	DET
arjefm-69	131	5	study	study	NOUN
arjefm-69	131	6	found	find	VERB
arjefm-69	131	7	no	no	DET
arjefm-69	131	8	evidence	evidence	NOUN
arjefm-69	131	9	of	of	ADP
arjefm-69	131	10	non	non	ADJ
arjefm-69	131	11	-	-	ADJ
arjefm-69	131	12	performing	performing	ADJ
arjefm-69	131	13	loans	loan	NOUN
arjefm-69	131	14	impacting	impact	VERB
arjefm-69	131	15	financial	financial	ADJ
arjefm-69	131	16	performance	performance	NOUN
arjefm-69	131	17	(	(	PUNCT
arjefm-69	131	18	subedi	subedi	PROPN
arjefm-69	131	19	&	&	CCONJ
arjefm-69	131	20	neupane	neupane	PROPN
arjefm-69	131	21	,	,	PUNCT
arjefm-69	131	22	2013	2013	NUM
arjefm-69	131	23	)	)	PUNCT
arjefm-69	131	24	.	.	PUNCT
arjefm-69	132	1	our	our	PRON
arjefm-69	132	2	study	study	NOUN
arjefm-69	132	3	,	,	PUNCT
arjefm-69	132	4	using	use	VERB
arjefm-69	132	5	panel	panel	NOUN
arjefm-69	132	6	data	datum	NOUN
arjefm-69	132	7	analysis	analysis	NOUN
arjefm-69	132	8	,	,	PUNCT
arjefm-69	132	9	agreed	agree	VERB
arjefm-69	132	10	with	with	ADP
arjefm-69	132	11	the	the	DET
arjefm-69	132	12	latter	latter	ADJ
arjefm-69	132	13	finding	finding	NOUN
arjefm-69	132	14	,	,	PUNCT
arjefm-69	132	15	and	and	CCONJ
arjefm-69	132	16	found	find	VERB
arjefm-69	132	17	that	that	SCONJ
arjefm-69	132	18	nonperforming	nonperforme	VERB
arjefm-69	132	19	loans	loan	NOUN
arjefm-69	132	20	did	do	AUX
arjefm-69	132	21	not	not	PART
arjefm-69	132	22	impact	impact	VERB
arjefm-69	132	23	the	the	DET
arjefm-69	132	24	operating	operating	NOUN
arjefm-69	132	25	profit	profit	NOUN
arjefm-69	132	26	of	of	ADP
arjefm-69	132	27	the	the	DET
arjefm-69	132	28	commercial	commercial	ADJ
arjefm-69	132	29	banks	bank	NOUN
arjefm-69	132	30	in	in	ADP
arjefm-69	132	31	our	our	PRON
arjefm-69	132	32	sample	sample	NOUN
arjefm-69	132	33	during	during	ADP
arjefm-69	132	34	the	the	DET
arjefm-69	132	35	2007	2007	NUM
arjefm-69	132	36	-	-	SYM
arjefm-69	132	37	2014	2014	NUM
arjefm-69	132	38	pre	pre	ADJ
arjefm-69	132	39	-	-	ADJ
arjefm-69	132	40	mandate	mandate	ADJ
arjefm-69	132	41	period	period	NOUN
arjefm-69	132	42	.	.	PUNCT
arjefm-69	133	1	this	this	PRON
arjefm-69	133	2	is	be	AUX
arjefm-69	133	3	in	in	ADP
arjefm-69	133	4	contrast	contrast	NOUN
arjefm-69	133	5	to	to	ADP
arjefm-69	133	6	studies	study	NOUN
arjefm-69	133	7	done	do	VERB
arjefm-69	133	8	on	on	ADP
arjefm-69	133	9	banks	bank	NOUN
arjefm-69	133	10	in	in	ADP
arjefm-69	133	11	other	other	ADJ
arjefm-69	133	12	countries	country	NOUN
arjefm-69	133	13	described	describe	VERB
arjefm-69	133	14	above	above	ADV
arjefm-69	133	15	.	.	PUNCT
arjefm-69	134	1	one	one	NUM
arjefm-69	134	2	explanation	explanation	NOUN
arjefm-69	134	3	for	for	ADP
arjefm-69	134	4	this	this	DET
arjefm-69	134	5	finding	finding	NOUN
arjefm-69	134	6	may	may	AUX
arjefm-69	134	7	be	be	AUX
arjefm-69	134	8	found	find	VERB
arjefm-69	134	9	in	in	ADP
arjefm-69	134	10	the	the	DET
arjefm-69	134	11	reputation	reputation	NOUN
arjefm-69	134	12	for	for	ADP
arjefm-69	134	13	reliability	reliability	NOUN
arjefm-69	134	14	that	that	PRON
arjefm-69	134	15	is	be	AUX
arjefm-69	134	16	part	part	NOUN
arjefm-69	134	17	of	of	ADP
arjefm-69	134	18	the	the	DET
arjefm-69	134	19	national	national	ADJ
arjefm-69	134	20	character	character	NOUN
arjefm-69	134	21	of	of	ADP
arjefm-69	134	22	nepal	nepal	PROPN
arjefm-69	134	23	.	.	PUNCT
arjefm-69	135	1	nepalese	nepalese	ADJ
arjefm-69	135	2	workers	worker	NOUN
arjefm-69	135	3	,	,	PUNCT
arjefm-69	135	4	for	for	ADP
arjefm-69	135	5	example	example	NOUN
arjefm-69	135	6	,	,	PUNCT
arjefm-69	135	7	have	have	VERB
arjefm-69	135	8	a	a	DET
arjefm-69	135	9	well	well	ADV
arjefm-69	135	10	-	-	PUNCT
arjefm-69	135	11	deserved	deserve	VERB
arjefm-69	135	12	reputation	reputation	NOUN
arjefm-69	135	13	for	for	ADP
arjefm-69	135	14	reliability	reliability	NOUN
arjefm-69	135	15	and	and	CCONJ
arjefm-69	135	16	honesty	honesty	NOUN
arjefm-69	135	17	,	,	PUNCT
arjefm-69	135	18	and	and	CCONJ
arjefm-69	135	19	are	be	AUX
arjefm-69	135	20	in	in	ADP
arjefm-69	135	21	demand	demand	NOUN
arjefm-69	135	22	around	around	ADP
arjefm-69	135	23	the	the	DET
arjefm-69	135	24	world(lokshin	world(lokshin	PROPN
arjefm-69	135	25	,	,	PUNCT
arjefm-69	135	26	bontch	bontch	NOUN
arjefm-69	135	27	osmolovski	osmolovski	ADJ
arjefm-69	135	28	,	,	PUNCT
arjefm-69	135	29	&	&	CCONJ
arjefm-69	135	30	glinskaya	glinskaya	PROPN
arjefm-69	135	31	,	,	PUNCT
arjefm-69	135	32	2010	2010	NUM
arjefm-69	135	33	;	;	PUNCT
arjefm-69	135	34	yamanaka	yamanaka	PROPN
arjefm-69	135	35	,	,	PUNCT
arjefm-69	135	36	2000	2000	NUM
arjefm-69	135	37	)	)	PUNCT
arjefm-69	135	38	.	.	PUNCT
arjefm-69	136	1	nepalese	nepalese	ADJ
arjefm-69	136	2	men	man	NOUN
arjefm-69	136	3	also	also	ADV
arjefm-69	136	4	serve	serve	VERB
arjefm-69	136	5	in	in	ADP
arjefm-69	136	6	military	military	ADJ
arjefm-69	136	7	and	and	CCONJ
arjefm-69	136	8	security	security	NOUN
arjefm-69	136	9	functions	function	NOUN
arjefm-69	136	10	globally(gould	globally(gould	PROPN
arjefm-69	136	11	,	,	PUNCT
arjefm-69	136	12	2000	2000	NUM
arjefm-69	136	13	;	;	PUNCT
arjefm-69	136	14	vines	vine	NOUN
arjefm-69	136	15	,	,	PUNCT
arjefm-69	136	16	1999	1999	NUM
arjefm-69	136	17	)	)	PUNCT
arjefm-69	136	18	.	.	PUNCT
arjefm-69	137	1	another	another	DET
arjefm-69	137	2	reason	reason	NOUN
arjefm-69	137	3	for	for	ADP
arjefm-69	137	4	the	the	DET
arjefm-69	137	5	finding	finding	NOUN
arjefm-69	137	6	in	in	ADP
arjefm-69	137	7	the	the	DET
arjefm-69	137	8	2007	2007	NUM
arjefm-69	137	9	-	-	SYM
arjefm-69	137	10	2014	2014	NUM
arjefm-69	137	11	periodmay	periodmay	ADV
arjefm-69	137	12	be	be	AUX
arjefm-69	137	13	the	the	DET
arjefm-69	137	14	debt	debt	NOUN
arjefm-69	137	15	recovery	recovery	NOUN
arjefm-69	137	16	act	act	NOUN
arjefm-69	137	17	passed	pass	VERB
arjefm-69	137	18	in	in	ADP
arjefm-69	137	19	2002	2002	NUM
arjefm-69	137	20	that	that	PRON
arjefm-69	137	21	required	require	VERB
arjefm-69	137	22	all	all	DET
arjefm-69	137	23	nepal	nepal	ADJ
arjefm-69	137	24	banks	bank	NOUN
arjefm-69	137	25	to	to	PART
arjefm-69	137	26	address	address	VERB
arjefm-69	137	27	the	the	DET
arjefm-69	137	28	large	large	ADJ
arjefm-69	137	29	percentage	percentage	NOUN
arjefm-69	137	30	of	of	ADP
arjefm-69	137	31	non	non	ADJ
arjefm-69	137	32	-	-	ADJ
arjefm-69	137	33	performing	performing	ADJ
arjefm-69	137	34	loans	loan	NOUN
arjefm-69	137	35	in	in	ADP
arjefm-69	137	36	their	their	PRON
arjefm-69	137	37	portfolios	portfolio	NOUN
arjefm-69	137	38	(	(	PUNCT
arjefm-69	137	39	shrestha	shrestha	NOUN
arjefm-69	137	40	,	,	PUNCT
arjefm-69	137	41	2004	2004	NUM
arjefm-69	137	42	)	)	PUNCT
arjefm-69	137	43	.	.	PUNCT
arjefm-69	138	1	a	a	DET
arjefm-69	138	2	third	third	ADJ
arjefm-69	138	3	possible	possible	ADJ
arjefm-69	138	4	explanation	explanation	NOUN
arjefm-69	138	5	is	be	AUX
arjefm-69	138	6	that	that	SCONJ
arjefm-69	138	7	depositors	depositor	NOUN
arjefm-69	138	8	do	do	AUX
arjefm-69	138	9	not	not	PART
arjefm-69	138	10	consider	consider	VERB
arjefm-69	138	11	the	the	DET
arjefm-69	138	12	credit	credit	NOUN
arjefm-69	138	13	risk	risk	NOUN
arjefm-69	138	14	exposure	exposure	NOUN
arjefm-69	138	15	of	of	ADP
arjefm-69	138	16	the	the	DET
arjefm-69	138	17	bank	bank	NOUN
arjefm-69	138	18	when	when	SCONJ
arjefm-69	138	19	making	make	VERB
arjefm-69	138	20	deposits	deposit	NOUN
arjefm-69	138	21	(	(	PUNCT
arjefm-69	138	22	agwu	agwu	NOUN
arjefm-69	138	23	,	,	PUNCT
arjefm-69	138	24	2018	2018	NUM
arjefm-69	138	25	)	)	PUNCT
arjefm-69	138	26	,	,	PUNCT
arjefm-69	138	27	especially	especially	ADV
arjefm-69	138	28	if	if	SCONJ
arjefm-69	138	29	they	they	PRON
arjefm-69	138	30	have	have	VERB
arjefm-69	138	31	underlying	underlie	VERB
arjefm-69	138	32	faith	faith	NOUN
arjefm-69	138	33	in	in	ADP
arjefm-69	138	34	the	the	DET
arjefm-69	138	35	regulatory	regulatory	ADJ
arjefm-69	138	36	framework	framework	NOUN
arjefm-69	138	37	of	of	ADP
arjefm-69	138	38	the	the	DET
arjefm-69	138	39	banking	banking	NOUN
arjefm-69	138	40	system	system	NOUN
arjefm-69	138	41	.	.	PUNCT
arjefm-69	139	1	for	for	ADP
arjefm-69	139	2	the	the	DET
arjefm-69	139	3	2007	2007	NUM
arjefm-69	139	4	-	-	SYM
arjefm-69	139	5	2014	2014	NUM
arjefm-69	139	6	pre	pre	ADJ
arjefm-69	139	7	-	-	ADJ
arjefm-69	139	8	mandate	mandate	ADJ
arjefm-69	139	9	period	period	NOUN
arjefm-69	139	10	,	,	PUNCT
arjefm-69	139	11	we	we	PRON
arjefm-69	139	12	found	find	VERB
arjefm-69	139	13	that	that	SCONJ
arjefm-69	139	14	credit	credit	NOUN
arjefm-69	139	15	exposure	exposure	NOUN
arjefm-69	139	16	,	,	PUNCT
arjefm-69	139	17	indicating	indicate	VERB
arjefm-69	139	18	the	the	DET
arjefm-69	139	19	overall	overall	ADJ
arjefm-69	139	20	loans	loan	NOUN
arjefm-69	139	21	made	make	VERB
arjefm-69	139	22	by	by	ADP
arjefm-69	139	23	the	the	DET
arjefm-69	139	24	bank	bank	NOUN
arjefm-69	139	25	,	,	PUNCT
arjefm-69	139	26	did	do	AUX
arjefm-69	139	27	positively	positively	ADV
arjefm-69	139	28	affect	affect	VERB
arjefm-69	139	29	the	the	DET
arjefm-69	139	30	operating	operating	NOUN
arjefm-69	139	31	profit	profit	NOUN
arjefm-69	139	32	.	.	PUNCT
arjefm-69	140	1	the	the	DET
arjefm-69	140	2	paid	pay	VERB
arjefm-69	140	3	-	-	PUNCT
arjefm-69	140	4	up	up	ADP
arjefm-69	140	5	capital	capital	NOUN
arjefm-69	140	6	(	(	PUNCT
arjefm-69	140	7	or	or	CCONJ
arjefm-69	140	8	common	common	ADJ
arjefm-69	140	9	stock	stock	NOUN
arjefm-69	140	10	equity	equity	NOUN
arjefm-69	140	11	)	)	PUNCT
arjefm-69	140	12	lower	low	ADJ
arjefm-69	140	13	limit	limit	NOUN
arjefm-69	140	14	till	till	SCONJ
arjefm-69	140	15	2014	2014	NUM
arjefm-69	140	16	was	be	AUX
arjefm-69	140	17	rs	rs	ADJ
arjefm-69	140	18	.	.	PUNCT
arjefm-69	140	19	2	2	NUM
arjefm-69	140	20	billion	billion	NUM
arjefm-69	140	21	.	.	PUNCT
arjefm-69	141	1	during	during	ADP
arjefm-69	141	2	this	this	DET
arjefm-69	141	3	period	period	NOUN
arjefm-69	141	4	,	,	PUNCT
arjefm-69	141	5	banks	bank	NOUN
arjefm-69	141	6	that	that	PRON
arjefm-69	141	7	gave	give	VERB
arjefm-69	141	8	out	out	ADP
arjefm-69	141	9	more	more	ADJ
arjefm-69	141	10	loans	loan	NOUN
arjefm-69	141	11	showed	show	VERB
arjefm-69	141	12	greater	great	ADJ
arjefm-69	141	13	profitability	profitability	NOUN
arjefm-69	141	14	,	,	PUNCT
arjefm-69	141	15	as	as	SCONJ
arjefm-69	141	16	per	per	ADP
arjefm-69	141	17	our	our	PRON
arjefm-69	141	18	findings.this	findings.this	NOUN
arjefm-69	141	19	follows	follow	VERB
arjefm-69	141	20	directly	directly	ADV
arjefm-69	141	21	from	from	ADP
arjefm-69	141	22	greater	great	ADJ
arjefm-69	141	23	income	income	NOUN
arjefm-69	141	24	derived	derive	VERB
arjefm-69	141	25	from	from	ADP
arjefm-69	141	26	more	more	ADJ
arjefm-69	141	27	loans	loan	NOUN
arjefm-69	141	28	,	,	PUNCT
arjefm-69	141	29	especially	especially	ADV
arjefm-69	141	30	since	since	SCONJ
arjefm-69	141	31	non	non	ADJ
arjefm-69	141	32	-	-	ADJ
arjefm-69	141	33	performing	performing	ADJ
arjefm-69	141	34	loans	loan	NOUN
arjefm-69	141	35	were	be	AUX
arjefm-69	141	36	brought	bring	VERB
arjefm-69	141	37	under	under	ADP
arjefm-69	141	38	control	control	NOUN
arjefm-69	141	39	after	after	ADP
arjefm-69	141	40	2002	2002	NUM
arjefm-69	141	41	.	.	PUNCT
arjefm-69	142	1	from	from	ADP
arjefm-69	142	2	2015	2015	NUM
arjefm-69	142	3	onwards	onward	NOUN
arjefm-69	142	4	,	,	PUNCT
arjefm-69	142	5	the	the	DET
arjefm-69	142	6	paid	pay	VERB
arjefm-69	142	7	-	-	PUNCT
arjefm-69	142	8	up	up	ADP
arjefm-69	142	9	capital	capital	NOUN
arjefm-69	142	10	requirement	requirement	NOUN
arjefm-69	142	11	minimum	minimum	NOUN
arjefm-69	142	12	was	be	AUX
arjefm-69	142	13	mandated	mandate	VERB
arjefm-69	142	14	to	to	PART
arjefm-69	142	15	increase	increase	VERB
arjefm-69	142	16	from	from	ADP
arjefm-69	142	17	rs	rs	PROPN
arjefm-69	142	18	2	2	NUM
arjefm-69	142	19	billion	billion	NUM
arjefm-69	142	20	to	to	PART
arjefm-69	142	21	rs	rs	VERB
arjefm-69	142	22	.	.	PUNCT
arjefm-69	142	23	8	8	NUM
arjefm-69	142	24	billion	billion	NUM
arjefm-69	142	25	for	for	ADP
arjefm-69	142	26	nepalese	nepalese	ADJ
arjefm-69	142	27	banks	bank	NOUN
arjefm-69	142	28	(	(	PUNCT
arjefm-69	142	29	acharya	acharya	PROPN
arjefm-69	142	30	,	,	PUNCT
arjefm-69	142	31	2017	2017	NUM
arjefm-69	142	32	;	;	PUNCT
arjefm-69	142	33	sharma	sharma	NOUN
arjefm-69	142	34	,	,	PUNCT
arjefm-69	142	35	2015	2015	NUM
arjefm-69	142	36	)	)	PUNCT
arjefm-69	142	37	.	.	PUNCT
arjefm-69	143	1	our	our	PRON
arjefm-69	143	2	analysis	analysis	NOUN
arjefm-69	143	3	of	of	ADP
arjefm-69	143	4	the	the	DET
arjefm-69	143	5	2015	2015	NUM
arjefm-69	143	6	-	-	SYM
arjefm-69	143	7	2017	2017	NUM
arjefm-69	143	8	post	post	ADJ
arjefm-69	143	9	-	-	ADJ
arjefm-69	143	10	mandate	mandate	ADJ
arjefm-69	143	11	time	time	NOUN
arjefm-69	143	12	period	period	NOUN
arjefm-69	143	13	shows	show	VERB
arjefm-69	143	14	that	that	SCONJ
arjefm-69	143	15	while	while	SCONJ
arjefm-69	143	16	credit	credit	NOUN
arjefm-69	143	17	exposure	exposure	NOUN
arjefm-69	143	18	continued	continue	VERB
arjefm-69	143	19	to	to	PART
arjefm-69	143	20	affect	affect	VERB
arjefm-69	143	21	operating	operate	VERB
arjefm-69	143	22	profit	profit	NOUN
arjefm-69	143	23	positively	positively	ADV
arjefm-69	143	24	,	,	PUNCT
arjefm-69	143	25	non	non	ADJ
arjefm-69	143	26	-	-	ADJ
arjefm-69	143	27	performing	performing	ADJ
arjefm-69	143	28	loans	loan	NOUN
arjefm-69	143	29	now	now	ADV
arjefm-69	143	30	had	have	VERB
arjefm-69	143	31	a	a	DET
arjefm-69	143	32	significant	significant	ADJ
arjefm-69	143	33	negative	negative	ADJ
arjefm-69	143	34	effect	effect	NOUN
arjefm-69	143	35	.	.	PUNCT
arjefm-69	144	1	this	this	PRON
arjefm-69	144	2	indicates	indicate	VERB
arjefm-69	144	3	that	that	SCONJ
arjefm-69	144	4	credit	credit	NOUN
arjefm-69	144	5	risk	risk	NOUN
arjefm-69	144	6	had	have	AUX
arjefm-69	144	7	now	now	ADV
arjefm-69	144	8	become	become	VERB
arjefm-69	144	9	an	an	DET
arjefm-69	144	10	issue	issue	NOUN
arjefm-69	144	11	.	.	PUNCT
arjefm-69	145	1	one	one	NUM
arjefm-69	145	2	possible	possible	ADJ
arjefm-69	145	3	explanation	explanation	NOUN
arjefm-69	145	4	for	for	ADP
arjefm-69	145	5	this	this	DET
arjefm-69	145	6	finding	finding	NOUN
arjefm-69	145	7	comes	come	VERB
arjefm-69	145	8	from	from	ADP
arjefm-69	145	9	the	the	DET
arjefm-69	145	10	fact	fact	NOUN
arjefm-69	145	11	that	that	SCONJ
arjefm-69	145	12	in	in	ADP
arjefm-69	145	13	order	order	NOUN
arjefm-69	145	14	to	to	PART
arjefm-69	145	15	comply	comply	VERB
arjefm-69	145	16	with	with	ADP
arjefm-69	145	17	the	the	DET
arjefm-69	145	18	paid	pay	VERB
arjefm-69	145	19	-	-	PUNCT
arjefm-69	145	20	up	up	ADP
arjefm-69	145	21	capital	capital	NOUN
arjefm-69	145	22	requirements	requirement	NOUN
arjefm-69	145	23	,	,	PUNCT
arjefm-69	145	24	several	several	ADJ
arjefm-69	145	25	banks	bank	NOUN
arjefm-69	145	26	had	have	AUX
arjefm-69	145	27	to	to	PART
arjefm-69	145	28	merge	merge	VERB
arjefm-69	145	29	.	.	PUNCT
arjefm-69	146	1	the	the	DET
arjefm-69	146	2	increased	increase	VERB
arjefm-69	146	3	paid	pay	VERB
arjefm-69	146	4	-	-	PUNCT
arjefm-69	146	5	up	up	ADP
arjefm-69	146	6	capital	capital	NOUN
arjefm-69	146	7	also	also	ADV
arjefm-69	146	8	increased	increase	VERB
arjefm-69	146	9	the	the	DET
arjefm-69	146	10	amount	amount	NOUN
arjefm-69	146	11	of	of	ADP
arjefm-69	146	12	loans	loan	NOUN
arjefm-69	146	13	that	that	PRON
arjefm-69	146	14	banks	bank	NOUN
arjefm-69	146	15	could	could	AUX
arjefm-69	146	16	provide	provide	VERB
arjefm-69	146	17	to	to	ADP
arjefm-69	146	18	borrowers	borrower	NOUN
arjefm-69	146	19	.	.	PUNCT
arjefm-69	147	1	as	as	ADP
arjefm-69	147	2	confirmation	confirmation	NOUN
arjefm-69	147	3	,	,	PUNCT
arjefm-69	147	4	the	the	DET
arjefm-69	147	5	credit	credit	NOUN
arjefm-69	147	6	exposure	exposure	NOUN
arjefm-69	147	7	of	of	ADP
arjefm-69	147	8	every	every	DET
arjefm-69	147	9	bank	bank	NOUN
arjefm-69	147	10	in	in	ADP
arjefm-69	147	11	our	our	PRON
arjefm-69	147	12	sample	sample	NOUN
arjefm-69	147	13	increased	increase	VERB
arjefm-69	147	14	significantly	significantly	ADV
arjefm-69	147	15	starting	start	VERB
arjefm-69	147	16	from	from	ADP
arjefm-69	147	17	2015	2015	NUM
arjefm-69	147	18	onwards	onward	NOUN
arjefm-69	147	19	(	(	PUNCT
arjefm-69	147	20	see	see	VERB
arjefm-69	147	21	data	datum	NOUN
arjefm-69	147	22	in	in	ADP
arjefm-69	147	23	appendix	appendix	NOUN
arjefm-69	147	24	1	1	NUM
arjefm-69	147	25	)	)	PUNCT
arjefm-69	147	26	.	.	PUNCT
arjefm-69	148	1	however	however	ADV
arjefm-69	148	2	,	,	PUNCT
arjefm-69	148	3	apart	apart	ADV
arjefm-69	148	4	from	from	ADP
arjefm-69	148	5	size	size	NOUN
arjefm-69	148	6	increases	increase	NOUN
arjefm-69	148	7	,	,	PUNCT
arjefm-69	148	8	mergers	merger	NOUN
arjefm-69	148	9	typically	typically	ADV
arjefm-69	148	10	lead	lead	VERB
arjefm-69	148	11	to	to	ADP
arjefm-69	148	12	rapid	rapid	ADJ
arjefm-69	148	13	change	change	NOUN
arjefm-69	148	14	in	in	ADP
arjefm-69	148	15	the	the	DET
arjefm-69	148	16	collective	collective	ADJ
arjefm-69	148	17	competence	competence	NOUN
arjefm-69	148	18	and	and	CCONJ
arjefm-69	148	19	tacit	tacit	ADJ
arjefm-69	148	20	knowledge	knowledge	NOUN
arjefm-69	148	21	of	of	ADP
arjefm-69	148	22	the	the	DET
arjefm-69	148	23	new	new	ADJ
arjefm-69	148	24	organization	organization	NOUN
arjefm-69	148	25	(	(	PUNCT
arjefm-69	148	26	kreiner	kreiner	PROPN
arjefm-69	148	27	&	&	CCONJ
arjefm-69	148	28	lee	lee	PROPN
arjefm-69	148	29	,	,	PUNCT
arjefm-69	148	30	2000	2000	NUM
arjefm-69	148	31	)	)	PUNCT
arjefm-69	148	32	and	and	CCONJ
arjefm-69	148	33	provide	provide	VERB
arjefm-69	148	34	a	a	DET
arjefm-69	148	35	“	"	PUNCT
arjefm-69	148	36	diminished	diminish	VERB
arjefm-69	148	37	resource	resource	NOUN
arjefm-69	148	38	base	base	NOUN
arjefm-69	148	39	for	for	ADP
arjefm-69	148	40	organizational	organizational	ADJ
arjefm-69	148	41	learning	learning	NOUN
arjefm-69	148	42	”	"	PUNCT
arjefm-69	148	43	(	(	PUNCT
arjefm-69	148	44	lei	lei	X
arjefm-69	148	45	&	&	CCONJ
arjefm-69	148	46	hitt	hitt	PROPN
arjefm-69	148	47	,	,	PUNCT
arjefm-69	148	48	1995	1995	NUM
arjefm-69	148	49	)	)	PUNCT
arjefm-69	148	50	.	.	PUNCT
arjefm-69	149	1	thus	thus	ADV
arjefm-69	149	2	,	,	PUNCT
arjefm-69	149	3	a	a	DET
arjefm-69	149	4	merger	merger	NOUN
arjefm-69	149	5	may	may	AUX
arjefm-69	149	6	lead	lead	VERB
arjefm-69	149	7	to	to	ADP
arjefm-69	149	8	a	a	DET
arjefm-69	149	9	loss	loss	NOUN
arjefm-69	149	10	of	of	ADP
arjefm-69	149	11	knowledge	knowledge	NOUN
arjefm-69	149	12	of	of	ADP
arjefm-69	149	13	local	local	ADJ
arjefm-69	149	14	lending	lending	NOUN
arjefm-69	149	15	practices	practice	NOUN
arjefm-69	149	16	,	,	PUNCT
arjefm-69	149	17	and	and	CCONJ
arjefm-69	149	18	the	the	DET
arjefm-69	149	19	credit	credit	NOUN
arjefm-69	149	20	profile	profile	NOUN
arjefm-69	149	21	of	of	ADP
arjefm-69	149	22	the	the	DET
arjefm-69	149	23	local	local	ADJ
arjefm-69	149	24	business	business	NOUN
arjefm-69	149	25	community	community	NOUN
arjefm-69	149	26	.	.	PUNCT
arjefm-69	150	1	localized	localize	VERB
arjefm-69	150	2	lending	lending	NOUN
arjefm-69	150	3	practices	practice	NOUN
arjefm-69	150	4	have	have	AUX
arjefm-69	150	5	been	be	AUX
arjefm-69	150	6	shown	show	VERB
arjefm-69	150	7	to	to	PART
arjefm-69	150	8	give	give	VERB
arjefm-69	150	9	greater	great	ADJ
arjefm-69	150	10	risk	risk	NOUN
arjefm-69	150	11	-	-	PUNCT
arjefm-69	150	12	adjusted	adjust	VERB
arjefm-69	150	13	yield	yield	NOUN
arjefm-69	150	14	,	,	PUNCT
arjefm-69	150	15	for	for	ADP
arjefm-69	150	16	example	example	NOUN
arjefm-69	150	17	in	in	ADP
arjefm-69	150	18	(	(	PUNCT
arjefm-69	150	19	carter	carter	PROPN
arjefm-69	150	20	,	,	PUNCT
arjefm-69	150	21	mcnulty	mcnulty	PROPN
arjefm-69	150	22	,	,	PUNCT
arjefm-69	150	23	&	&	CCONJ
arjefm-69	150	24	verbrugge	verbrugge	NOUN
arjefm-69	150	25	,	,	PUNCT
arjefm-69	150	26	2004	2004	NUM
arjefm-69	150	27	)	)	PUNCT
arjefm-69	150	28	.	.	PUNCT
arjefm-69	151	1	the	the	DET
arjefm-69	151	2	effect	effect	NOUN
arjefm-69	151	3	of	of	ADP
arjefm-69	151	4	distance	distance	NOUN
arjefm-69	151	5	between	between	ADP
arjefm-69	151	6	the	the	DET
arjefm-69	151	7	bank	bank	NOUN
arjefm-69	151	8	and	and	CCONJ
arjefm-69	151	9	the	the	DET
arjefm-69	151	10	borrowers	borrower	NOUN
arjefm-69	151	11	was	be	AUX
arjefm-69	151	12	greater	great	ADJ
arjefm-69	151	13	in	in	ADP
arjefm-69	151	14	lesser	less	ADJ
arjefm-69	151	15	developed	develop	VERB
arjefm-69	151	16	economies	economy	NOUN
arjefm-69	151	17	(	(	PUNCT
arjefm-69	151	18	alessandrini	alessandrini	PROPN
arjefm-69	151	19	,	,	PUNCT
arjefm-69	151	20	croci	croci	PROPN
arjefm-69	151	21	,	,	PUNCT
arjefm-69	151	22	&	&	CCONJ
arjefm-69	151	23	zazzaro	zazzaro	NOUN
arjefm-69	151	24	,	,	PUNCT
arjefm-69	151	25	2009	2009	NUM
arjefm-69	151	26	)	)	PUNCT
arjefm-69	151	27	.	.	PUNCT
arjefm-69	152	1	hence	hence	ADV
arjefm-69	152	2	,	,	PUNCT
arjefm-69	152	3	a	a	DET
arjefm-69	152	4	mandate	mandate	NOUN
arjefm-69	152	5	to	to	PART
arjefm-69	152	6	significantly	significantly	ADV
arjefm-69	152	7	increase	increase	VERB
arjefm-69	152	8	the	the	DET
arjefm-69	152	9	size	size	NOUN
arjefm-69	152	10	of	of	ADP
arjefm-69	152	11	banks	bank	NOUN
arjefm-69	152	12	in	in	ADP
arjefm-69	152	13	a	a	DET
arjefm-69	152	14	system	system	NOUN
arjefm-69	152	15	may	may	AUX
arjefm-69	152	16	lead	lead	VERB
arjefm-69	152	17	to	to	ADP
arjefm-69	152	18	deteriorated	deteriorate	VERB
arjefm-69	152	19	lending	lending	NOUN
arjefm-69	152	20	practices	practice	NOUN
arjefm-69	152	21	,	,	PUNCT
arjefm-69	152	22	at	at	ADP
arjefm-69	152	23	least	least	ADJ
arjefm-69	152	24	in	in	ADP
arjefm-69	152	25	the	the	DET
arjefm-69	152	26	short	short	ADJ
arjefm-69	152	27	term	term	NOUN
arjefm-69	152	28	,	,	PUNCT
arjefm-69	152	29	to	to	ADP
arjefm-69	152	30	the	the	DET
arjefm-69	152	31	point	point	NOUN
arjefm-69	152	32	where	where	SCONJ
arjefm-69	152	33	the	the	DET
arjefm-69	152	34	financial	financial	ADJ
arjefm-69	152	35	performance	performance	NOUN
arjefm-69	152	36	of	of	ADP
arjefm-69	152	37	the	the	DET
arjefm-69	152	38	banks	bank	NOUN
arjefm-69	152	39	can	can	AUX
arjefm-69	152	40	be	be	AUX
arjefm-69	152	41	significantly	significantly	ADV
arjefm-69	152	42	affected	affect	VERB
arjefm-69	152	43	,	,	PUNCT
arjefm-69	152	44	as	as	ADP
arjefm-69	152	45	in	in	ADP
arjefm-69	152	46	our	our	PRON
arjefm-69	152	47	sample	sample	NOUN
arjefm-69	152	48	.	.	PUNCT
arjefm-69	153	1	the	the	DET
arjefm-69	153	2	theoretical	theoretical	ADJ
arjefm-69	153	3	contribution	contribution	NOUN
arjefm-69	153	4	of	of	ADP
arjefm-69	153	5	this	this	DET
arjefm-69	153	6	work	work	NOUN
arjefm-69	153	7	is	be	AUX
arjefm-69	153	8	an	an	DET
arjefm-69	153	9	analysis	analysis	NOUN
arjefm-69	153	10	of	of	ADP
arjefm-69	153	11	the	the	DET
arjefm-69	153	12	effect	effect	NOUN
arjefm-69	153	13	of	of	ADP
arjefm-69	153	14	increasing	increase	VERB
arjefm-69	153	15	minimum	minimum	ADJ
arjefm-69	153	16	capital	capital	NOUN
arjefm-69	153	17	requirements	requirement	NOUN
arjefm-69	153	18	rapidly	rapidly	ADV
arjefm-69	153	19	and	and	CCONJ
arjefm-69	153	20	significantly	significantly	ADV
arjefm-69	153	21	on	on	ADP
arjefm-69	153	22	commercial	commercial	ADJ
arjefm-69	153	23	banks	bank	NOUN
arjefm-69	153	24	in	in	ADP
arjefm-69	153	25	a	a	DET
arjefm-69	153	26	developing	develop	VERB
arjefm-69	153	27	economy	economy	NOUN
arjefm-69	153	28	.	.	PUNCT
arjefm-69	154	1	we	we	PRON
arjefm-69	154	2	find	find	VERB
arjefm-69	154	3	that	that	SCONJ
arjefm-69	154	4	the	the	DET
arjefm-69	154	5	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	154	6	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	154	7	american	american	PROPN
arjefm-69	154	8	research	research	PROPN
arjefm-69	154	9	journal	journal	PROPN
arjefm-69	154	10	of	of	ADP
arjefm-69	154	11	economics	economic	NOUN
arjefm-69	154	12	,	,	PUNCT
arjefm-69	154	13	finance	finance	NOUN
arjefm-69	154	14	and	and	CCONJ
arjefm-69	154	15	management	management	NOUN
arjefm-69	154	16	volume	volume	NOUN
arjefm-69	154	17	10	10	NUM
arjefm-69	154	18	issue	issue	NOUN
arjefm-69	154	19	3	3	NUM
arjefm-69	154	20	,	,	PUNCT
arjefm-69	154	21	july	july	PROPN
arjefm-69	154	22	-	-	PUNCT
arjefm-69	154	23	september	september	PROPN
arjefm-69	154	24	2022	2022	NUM
arjefm-69	154	25	issn	issn	NOUN
arjefm-69	154	26	:	:	PUNCT
arjefm-69	154	27	2836	2836	NUM
arjefm-69	154	28	-	-	SYM
arjefm-69	154	29	9416	9416	NUM
arjefm-69	154	30	impact	impact	NOUN
arjefm-69	154	31	factor	factor	NOUN
arjefm-69	154	32	:	:	PUNCT
arjefm-69	154	33	4.85	4.85	NUM
arjefm-69	154	34	journal	journal	NOUN
arjefm-69	154	35	homepage	homepage	NOUN
arjefm-69	154	36	:	:	PUNCT
arjefm-69	154	37	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	154	38	,	,	PUNCT
arjefm-69	154	39	email	email	NOUN
arjefm-69	154	40	:	:	PUNCT
arjefm-69	154	41	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	154	42	official	official	ADJ
arjefm-69	154	43	journal	journal	PROPN
arjefm-69	154	44	of	of	ADP
arjefm-69	154	45	america	america	PROPN
arjefm-69	154	46	serial	serial	PROPN
arjefm-69	154	47	publication	publication	NOUN
arjefm-69	154	48	american	american	PROPN
arjefm-69	154	49	research	research	PROPN
arjefm-69	154	50	journal	journal	PROPN
arjefm-69	154	51	of	of	ADP
arjefm-69	154	52	economics	economic	NOUN
arjefm-69	154	53	,	,	PUNCT
arjefm-69	154	54	finance	finance	NOUN
arjefm-69	154	55	and	and	CCONJ
arjefm-69	154	56	management	management	NOUN
arjefm-69	154	57	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	154	58	,	,	PUNCT
arjefm-69	154	59	email	email	NOUN
arjefm-69	154	60	:	:	PUNCT
arjefm-69	154	61	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	155	1	9	9	NUM
arjefm-69	156	1	|	|	ADV
arjefm-69	156	2	p	p	X
arjefm-69	156	3	a	a	DET
arjefm-69	156	4	g	g	NOUN
arjefm-69	156	5	e	e	NOUN
arjefm-69	156	6	expected	expect	VERB
arjefm-69	156	7	consolidation	consolidation	NOUN
arjefm-69	156	8	of	of	ADP
arjefm-69	156	9	banks	bank	NOUN
arjefm-69	156	10	and	and	CCONJ
arjefm-69	156	11	increase	increase	VERB
arjefm-69	156	12	in	in	ADP
arjefm-69	156	13	number	number	NOUN
arjefm-69	156	14	of	of	ADP
arjefm-69	156	15	loans	loan	NOUN
arjefm-69	156	16	leads	lead	VERB
arjefm-69	156	17	to	to	ADP
arjefm-69	156	18	greater	great	ADJ
arjefm-69	156	19	credit	credit	NOUN
arjefm-69	156	20	risk	risk	NOUN
arjefm-69	156	21	assumed	assume	VERB
arjefm-69	156	22	by	by	ADP
arjefm-69	156	23	the	the	DET
arjefm-69	156	24	banks	bank	NOUN
arjefm-69	156	25	,	,	PUNCT
arjefm-69	156	26	even	even	ADV
arjefm-69	156	27	if	if	SCONJ
arjefm-69	156	28	nonperforming	nonperforming	ADJ
arjefm-69	156	29	assets	asset	NOUN
arjefm-69	156	30	were	be	AUX
arjefm-69	156	31	not	not	PART
arjefm-69	156	32	a	a	DET
arjefm-69	156	33	factor	factor	NOUN
arjefm-69	156	34	earlier	early	ADV
arjefm-69	156	35	,	,	PUNCT
arjefm-69	156	36	as	as	SCONJ
arjefm-69	156	37	was	be	AUX
arjefm-69	156	38	the	the	DET
arjefm-69	156	39	case	case	NOUN
arjefm-69	156	40	in	in	ADP
arjefm-69	156	41	our	our	PRON
arjefm-69	156	42	sample	sample	NOUN
arjefm-69	156	43	.	.	PUNCT
arjefm-69	157	1	on	on	ADP
arjefm-69	157	2	the	the	DET
arjefm-69	157	3	methodological	methodological	ADJ
arjefm-69	157	4	side	side	NOUN
arjefm-69	157	5	,	,	PUNCT
arjefm-69	157	6	we	we	PRON
arjefm-69	157	7	use	use	VERB
arjefm-69	157	8	panel	panel	NOUN
arjefm-69	157	9	data	datum	NOUN
arjefm-69	157	10	analysis	analysis	NOUN
arjefm-69	157	11	to	to	PART
arjefm-69	157	12	account	account	VERB
arjefm-69	157	13	for	for	ADP
arjefm-69	157	14	correlation	correlation	NOUN
arjefm-69	157	15	within	within	ADP
arjefm-69	157	16	each	each	DET
arjefm-69	157	17	bank	bank	NOUN
arjefm-69	157	18	across	across	ADP
arjefm-69	157	19	time	time	NOUN
arjefm-69	157	20	.	.	PUNCT
arjefm-69	158	1	from	from	ADP
arjefm-69	158	2	a	a	DET
arjefm-69	158	3	practical	practical	ADJ
arjefm-69	158	4	perspective	perspective	NOUN
arjefm-69	158	5	,	,	PUNCT
arjefm-69	158	6	our	our	PRON
arjefm-69	158	7	work	work	NOUN
arjefm-69	158	8	offers	offer	VERB
arjefm-69	158	9	many	many	ADJ
arjefm-69	158	10	guidelines	guideline	NOUN
arjefm-69	158	11	.	.	PUNCT
arjefm-69	159	1	first	first	ADV
arjefm-69	159	2	,	,	PUNCT
arjefm-69	159	3	increases	increase	NOUN
arjefm-69	159	4	in	in	ADP
arjefm-69	159	5	capital	capital	NOUN
arjefm-69	159	6	adequacy	adequacy	NOUN
arjefm-69	159	7	requirements	requirement	NOUN
arjefm-69	159	8	as	as	ADP
arjefm-69	159	9	a	a	DET
arjefm-69	159	10	result	result	NOUN
arjefm-69	159	11	of	of	ADP
arjefm-69	159	12	basel	basel	PROPN
arjefm-69	159	13	2	2	NUM
arjefm-69	159	14	and	and	CCONJ
arjefm-69	159	15	3	3	NUM
arjefm-69	159	16	must	must	AUX
arjefm-69	159	17	be	be	AUX
arjefm-69	159	18	implemented	implement	VERB
arjefm-69	159	19	gradually	gradually	ADV
arjefm-69	159	20	,	,	PUNCT
arjefm-69	159	21	so	so	SCONJ
arjefm-69	159	22	that	that	SCONJ
arjefm-69	159	23	lending	lending	NOUN
arjefm-69	159	24	strategies	strategy	NOUN
arjefm-69	159	25	by	by	ADP
arjefm-69	159	26	bank	bank	NOUN
arjefm-69	159	27	management	management	NOUN
arjefm-69	159	28	have	have	VERB
arjefm-69	159	29	time	time	NOUN
arjefm-69	159	30	to	to	PART
arjefm-69	159	31	adapt	adapt	VERB
arjefm-69	159	32	to	to	ADP
arjefm-69	159	33	the	the	DET
arjefm-69	159	34	larger	large	ADJ
arjefm-69	159	35	volume	volume	NOUN
arjefm-69	159	36	of	of	ADP
arjefm-69	159	37	loans	loan	NOUN
arjefm-69	159	38	.	.	PUNCT
arjefm-69	160	1	the	the	DET
arjefm-69	160	2	situation	situation	NOUN
arjefm-69	160	3	in	in	ADP
arjefm-69	160	4	nepal	nepal	NOUN
arjefm-69	160	5	is	be	AUX
arjefm-69	160	6	likely	likely	ADJ
arjefm-69	160	7	to	to	PART
arjefm-69	160	8	improve	improve	VERB
arjefm-69	160	9	since	since	SCONJ
arjefm-69	160	10	prior	prior	ADV
arjefm-69	160	11	to	to	ADP
arjefm-69	160	12	the	the	DET
arjefm-69	160	13	significant	significant	ADJ
arjefm-69	160	14	paid	pay	VERB
arjefm-69	160	15	-	-	PUNCT
arjefm-69	160	16	up	up	ADP
arjefm-69	160	17	capital	capital	NOUN
arjefm-69	160	18	increase	increase	NOUN
arjefm-69	160	19	,	,	PUNCT
arjefm-69	160	20	non	non	ADJ
arjefm-69	160	21	-	-	ADJ
arjefm-69	160	22	performing	perform	VERB
arjefm-69	160	23	assets	asset	NOUN
arjefm-69	160	24	were	be	AUX
arjefm-69	160	25	not	not	PART
arjefm-69	160	26	an	an	DET
arjefm-69	160	27	issue	issue	NOUN
arjefm-69	160	28	in	in	ADP
arjefm-69	160	29	determining	determine	VERB
arjefm-69	160	30	profitability.however	profitability.however	NOUN
arjefm-69	160	31	,	,	PUNCT
arjefm-69	160	32	in	in	ADP
arjefm-69	160	33	other	other	ADJ
arjefm-69	160	34	economies	economy	NOUN
arjefm-69	160	35	where	where	SCONJ
arjefm-69	160	36	non	non	ADJ
arjefm-69	160	37	-	-	ADJ
arjefm-69	160	38	performing	perform	VERB
arjefm-69	160	39	assets	asset	NOUN
arjefm-69	160	40	are	be	AUX
arjefm-69	160	41	already	already	ADV
arjefm-69	160	42	negatively	negatively	ADV
arjefm-69	160	43	affecting	affect	VERB
arjefm-69	160	44	financial	financial	ADJ
arjefm-69	160	45	performance	performance	NOUN
arjefm-69	160	46	,	,	PUNCT
arjefm-69	160	47	policies	policy	NOUN
arjefm-69	160	48	regarding	regard	VERB
arjefm-69	160	49	an	an	DET
arjefm-69	160	50	increase	increase	NOUN
arjefm-69	160	51	in	in	ADP
arjefm-69	160	52	paid	pay	VERB
arjefm-69	160	53	-	-	PUNCT
arjefm-69	160	54	up	up	ADP
arjefm-69	160	55	capital	capital	NOUN
arjefm-69	160	56	and	and	CCONJ
arjefm-69	160	57	bank	bank	NOUN
arjefm-69	160	58	consolidation	consolidation	NOUN
arjefm-69	160	59	should	should	AUX
arjefm-69	160	60	offer	offer	VERB
arjefm-69	160	61	an	an	DET
arjefm-69	160	62	even	even	ADV
arjefm-69	160	63	more	more	ADV
arjefm-69	160	64	gradual	gradual	ADJ
arjefm-69	160	65	time	time	NOUN
arjefm-69	160	66	line	line	NOUN
arjefm-69	160	67	than	than	SCONJ
arjefm-69	160	68	would	would	AUX
arjefm-69	160	69	have	have	AUX
arjefm-69	160	70	been	be	AUX
arjefm-69	160	71	appropriate	appropriate	ADJ
arjefm-69	160	72	for	for	ADP
arjefm-69	160	73	nepal	nepal	ADJ
arjefm-69	160	74	.	.	PUNCT
arjefm-69	161	1	resources	resource	NOUN
arjefm-69	161	2	should	should	AUX
arjefm-69	161	3	also	also	ADV
arjefm-69	161	4	be	be	AUX
arjefm-69	161	5	provided	provide	VERB
arjefm-69	161	6	to	to	PART
arjefm-69	161	7	ensure	ensure	VERB
arjefm-69	161	8	that	that	SCONJ
arjefm-69	161	9	localized	localized	ADJ
arjefm-69	161	10	knowledge	knowledge	NOUN
arjefm-69	161	11	specific	specific	ADJ
arjefm-69	161	12	to	to	ADP
arjefm-69	161	13	lending	lending	NOUN
arjefm-69	161	14	practices	practice	NOUN
arjefm-69	161	15	is	be	AUX
arjefm-69	161	16	not	not	PART
arjefm-69	161	17	lost	lose	VERB
arjefm-69	161	18	in	in	ADP
arjefm-69	161	19	the	the	DET
arjefm-69	161	20	bank	bank	NOUN
arjefm-69	161	21	consolidation	consolidation	NOUN
arjefm-69	161	22	that	that	PRON
arjefm-69	161	23	follows	follow	VERB
arjefm-69	161	24	.	.	PUNCT
arjefm-69	162	1	in	in	ADP
arjefm-69	162	2	the	the	DET
arjefm-69	162	3	case	case	NOUN
arjefm-69	162	4	of	of	ADP
arjefm-69	162	5	nepal	nepal	ADJ
arjefm-69	162	6	,	,	PUNCT
arjefm-69	162	7	it	it	PRON
arjefm-69	162	8	is	be	AUX
arjefm-69	162	9	important	important	ADJ
arjefm-69	162	10	for	for	SCONJ
arjefm-69	162	11	banks	bank	NOUN
arjefm-69	162	12	to	to	PART
arjefm-69	162	13	review	review	VERB
arjefm-69	162	14	and	and	CCONJ
arjefm-69	162	15	tighten	tighten	VERB
arjefm-69	162	16	lending	lending	NOUN
arjefm-69	162	17	practices	practice	NOUN
arjefm-69	162	18	and	and	CCONJ
arjefm-69	162	19	for	for	SCONJ
arjefm-69	162	20	regulators	regulator	NOUN
arjefm-69	162	21	to	to	PART
arjefm-69	162	22	increase	increase	VERB
arjefm-69	162	23	monitoring	monitoring	NOUN
arjefm-69	162	24	,	,	PUNCT
arjefm-69	162	25	going	go	VERB
arjefm-69	162	26	forward	forward	ADV
arjefm-69	162	27	.	.	PUNCT
arjefm-69	163	1	any	any	DET
arjefm-69	163	2	asset	asset	NOUN
arjefm-69	163	3	bubbles	bubble	NOUN
arjefm-69	163	4	created	create	VERB
arjefm-69	163	5	as	as	ADP
arjefm-69	163	6	a	a	DET
arjefm-69	163	7	result	result	NOUN
arjefm-69	163	8	of	of	ADP
arjefm-69	163	9	the	the	DET
arjefm-69	163	10	increased	increase	VERB
arjefm-69	163	11	lending	lending	NOUN
arjefm-69	163	12	also	also	ADV
arjefm-69	163	13	need	need	VERB
arjefm-69	163	14	to	to	PART
arjefm-69	163	15	be	be	AUX
arjefm-69	163	16	closely	closely	ADV
arjefm-69	163	17	monitored	monitor	VERB
arjefm-69	163	18	.	.	PUNCT
arjefm-69	164	1	4	4	X
arjefm-69	164	2	.	.	X
arjefm-69	164	3	conclusion	conclusion	NOUN
arjefm-69	164	4	in	in	ADP
arjefm-69	164	5	this	this	DET
arjefm-69	164	6	work	work	NOUN
arjefm-69	164	7	we	we	PRON
arjefm-69	164	8	analyzed	analyze	VERB
arjefm-69	164	9	the	the	DET
arjefm-69	164	10	results	result	NOUN
arjefm-69	164	11	of	of	ADP
arjefm-69	164	12	a	a	DET
arjefm-69	164	13	significant	significant	ADJ
arjefm-69	164	14	increase	increase	NOUN
arjefm-69	164	15	in	in	ADP
arjefm-69	164	16	paid	pay	VERB
arjefm-69	164	17	-	-	PUNCT
arjefm-69	164	18	up	up	ADP
arjefm-69	164	19	capital	capital	NOUN
arjefm-69	164	20	or	or	CCONJ
arjefm-69	164	21	common	common	ADJ
arjefm-69	164	22	stock	stock	NOUN
arjefm-69	164	23	equity	equity	NOUN
arjefm-69	164	24	requirements	requirement	NOUN
arjefm-69	164	25	on	on	ADP
arjefm-69	164	26	the	the	DET
arjefm-69	164	27	operating	operate	VERB
arjefm-69	164	28	profit	profit	NOUN
arjefm-69	164	29	of	of	ADP
arjefm-69	164	30	a	a	DET
arjefm-69	164	31	sample	sample	NOUN
arjefm-69	164	32	of	of	ADP
arjefm-69	164	33	commercial	commercial	ADJ
arjefm-69	164	34	banks	bank	NOUN
arjefm-69	164	35	in	in	ADP
arjefm-69	164	36	nepal	nepal	NOUN
arjefm-69	164	37	.	.	PUNCT
arjefm-69	165	1	the	the	DET
arjefm-69	165	2	data	datum	NOUN
arjefm-69	165	3	we	we	PRON
arjefm-69	165	4	used	use	VERB
arjefm-69	165	5	offered	offer	VERB
arjefm-69	165	6	a	a	DET
arjefm-69	165	7	unique	unique	ADJ
arjefm-69	165	8	opportunity	opportunity	NOUN
arjefm-69	165	9	to	to	PART
arjefm-69	165	10	analyze	analyze	VERB
arjefm-69	165	11	this	this	DET
arjefm-69	165	12	effect	effect	NOUN
arjefm-69	165	13	.	.	PUNCT
arjefm-69	166	1	prior	prior	ADJ
arjefm-69	166	2	policies	policy	NOUN
arjefm-69	166	3	such	such	ADJ
arjefm-69	166	4	as	as	ADP
arjefm-69	166	5	the	the	DET
arjefm-69	166	6	debt	debt	NOUN
arjefm-69	166	7	recovery	recovery	NOUN
arjefm-69	166	8	act	act	NOUN
arjefm-69	166	9	(	(	PUNCT
arjefm-69	166	10	2002	2002	NUM
arjefm-69	166	11	)	)	PUNCT
arjefm-69	166	12	had	have	AUX
arjefm-69	166	13	reduced	reduce	VERB
arjefm-69	166	14	credit	credit	NOUN
arjefm-69	166	15	risk	risk	NOUN
arjefm-69	166	16	to	to	ADP
arjefm-69	166	17	lower	low	ADJ
arjefm-69	166	18	levels	level	NOUN
arjefm-69	166	19	.	.	PUNCT
arjefm-69	167	1	the	the	DET
arjefm-69	167	2	only	only	ADJ
arjefm-69	167	3	driver	driver	NOUN
arjefm-69	167	4	of	of	ADP
arjefm-69	167	5	profit	profit	NOUN
arjefm-69	167	6	in	in	ADP
arjefm-69	167	7	the	the	DET
arjefm-69	167	8	2007	2007	NUM
arjefm-69	167	9	-	-	SYM
arjefm-69	167	10	2014	2014	NUM
arjefm-69	167	11	period	period	NOUN
arjefm-69	167	12	that	that	PRON
arjefm-69	167	13	we	we	PRON
arjefm-69	167	14	found	find	VERB
arjefm-69	167	15	was	be	AUX
arjefm-69	167	16	the	the	DET
arjefm-69	167	17	total	total	ADJ
arjefm-69	167	18	amount	amount	NOUN
arjefm-69	167	19	of	of	ADP
arjefm-69	167	20	loans	loan	NOUN
arjefm-69	167	21	(	(	PUNCT
arjefm-69	167	22	credit	credit	NOUN
arjefm-69	167	23	exposure	exposure	NOUN
arjefm-69	167	24	)	)	PUNCT
arjefm-69	167	25	issued	issue	VERB
arjefm-69	167	26	by	by	ADP
arjefm-69	167	27	the	the	DET
arjefm-69	167	28	bank	bank	NOUN
arjefm-69	167	29	.	.	PUNCT
arjefm-69	168	1	a	a	DET
arjefm-69	168	2	very	very	ADV
arjefm-69	168	3	significant	significant	ADJ
arjefm-69	168	4	four	four	NUM
arjefm-69	168	5	-	-	ADJ
arjefm-69	168	6	fold	fold	ADJ
arjefm-69	168	7	increase	increase	NOUN
arjefm-69	168	8	in	in	ADP
arjefm-69	168	9	paid	pay	VERB
arjefm-69	168	10	-	-	PUNCT
arjefm-69	168	11	up	up	ADP
arjefm-69	168	12	capital	capital	NOUN
arjefm-69	168	13	led	lead	VERB
arjefm-69	168	14	to	to	ADP
arjefm-69	168	15	widespread	widespread	ADJ
arjefm-69	168	16	consolidation	consolidation	NOUN
arjefm-69	168	17	among	among	ADP
arjefm-69	168	18	banks	bank	NOUN
arjefm-69	168	19	and	and	CCONJ
arjefm-69	168	20	a	a	DET
arjefm-69	168	21	significant	significant	ADJ
arjefm-69	168	22	increase	increase	NOUN
arjefm-69	168	23	in	in	ADP
arjefm-69	168	24	the	the	DET
arjefm-69	168	25	number	number	NOUN
arjefm-69	168	26	of	of	ADP
arjefm-69	168	27	loans	loan	NOUN
arjefm-69	168	28	being	be	AUX
arjefm-69	168	29	issued	issue	VERB
arjefm-69	168	30	.	.	PUNCT
arjefm-69	169	1	a	a	DET
arjefm-69	169	2	rapid	rapid	ADJ
arjefm-69	169	3	increase	increase	NOUN
arjefm-69	169	4	in	in	ADP
arjefm-69	169	5	the	the	DET
arjefm-69	169	6	number	number	NOUN
arjefm-69	169	7	of	of	ADP
arjefm-69	169	8	loans	loan	NOUN
arjefm-69	169	9	issued	issue	VERB
arjefm-69	169	10	led	lead	VERB
arjefm-69	169	11	toa	toa	PROPN
arjefm-69	169	12	significant	significant	ADJ
arjefm-69	169	13	negative	negative	ADJ
arjefm-69	169	14	impact	impact	NOUN
arjefm-69	169	15	by	by	ADP
arjefm-69	169	16	non	non	ADJ
arjefm-69	169	17	-	-	ADJ
arjefm-69	169	18	performing	performing	ADJ
arjefm-69	169	19	loans	loan	NOUN
arjefm-69	169	20	on	on	ADP
arjefm-69	169	21	operating	operating	NOUN
arjefm-69	169	22	profit	profit	NOUN
arjefm-69	169	23	after	after	SCONJ
arjefm-69	169	24	the	the	DET
arjefm-69	169	25	policy	policy	NOUN
arjefm-69	169	26	was	be	AUX
arjefm-69	169	27	implemented	implement	VERB
arjefm-69	169	28	.	.	PUNCT
arjefm-69	170	1	our	our	PRON
arjefm-69	170	2	recommendations	recommendation	NOUN
arjefm-69	170	3	include	include	VERB
arjefm-69	170	4	a	a	DET
arjefm-69	170	5	cautionary	cautionary	ADJ
arjefm-69	170	6	approach	approach	NOUN
arjefm-69	170	7	to	to	ADP
arjefm-69	170	8	implementing	implement	VERB
arjefm-69	170	9	similar	similar	ADJ
arjefm-69	170	10	banking	banking	NOUN
arjefm-69	170	11	requirements	requirement	NOUN
arjefm-69	170	12	in	in	ADP
arjefm-69	170	13	other	other	ADJ
arjefm-69	170	14	economies	economy	NOUN
arjefm-69	170	15	,	,	PUNCT
arjefm-69	170	16	coupled	couple	VERB
arjefm-69	170	17	with	with	ADP
arjefm-69	170	18	adequate	adequate	ADJ
arjefm-69	170	19	training	training	NOUN
arjefm-69	170	20	to	to	PART
arjefm-69	170	21	ensure	ensure	VERB
arjefm-69	170	22	that	that	SCONJ
arjefm-69	170	23	specialized	specialized	ADJ
arjefm-69	170	24	local	local	ADJ
arjefm-69	170	25	lending	lending	NOUN
arjefm-69	170	26	knowledge	knowledge	NOUN
arjefm-69	170	27	is	be	AUX
arjefm-69	170	28	not	not	PART
arjefm-69	170	29	lost	lose	VERB
arjefm-69	170	30	,	,	PUNCT
arjefm-69	170	31	and	and	CCONJ
arjefm-69	170	32	the	the	DET
arjefm-69	170	33	newly	newly	ADV
arjefm-69	170	34	formed	form	VERB
arjefm-69	170	35	larger	large	ADJ
arjefm-69	170	36	banks	bank	NOUN
arjefm-69	170	37	do	do	AUX
arjefm-69	170	38	not	not	PART
arjefm-69	170	39	become	become	VERB
arjefm-69	170	40	more	more	ADV
arjefm-69	170	41	distant	distant	ADJ
arjefm-69	170	42	from	from	ADP
arjefm-69	170	43	their	their	PRON
arjefm-69	170	44	borrowers	borrower	NOUN
arjefm-69	170	45	.	.	PUNCT
arjefm-69	171	1	our	our	PRON
arjefm-69	171	2	work	work	NOUN
arjefm-69	171	3	has	have	VERB
arjefm-69	171	4	some	some	DET
arjefm-69	171	5	limitations	limitation	NOUN
arjefm-69	171	6	.	.	PUNCT
arjefm-69	172	1	first	first	ADV
arjefm-69	172	2	,	,	PUNCT
arjefm-69	172	3	we	we	PRON
arjefm-69	172	4	relied	rely	VERB
arjefm-69	172	5	on	on	ADP
arjefm-69	172	6	publicly	publicly	ADV
arjefm-69	172	7	available	available	ADJ
arjefm-69	172	8	data	datum	NOUN
arjefm-69	172	9	and	and	CCONJ
arjefm-69	172	10	measures	measure	NOUN
arjefm-69	172	11	in	in	ADP
arjefm-69	172	12	our	our	PRON
arjefm-69	172	13	model	model	NOUN
arjefm-69	172	14	.	.	PUNCT
arjefm-69	173	1	variables	variable	NOUN
arjefm-69	173	2	measuring	measure	VERB
arjefm-69	173	3	actual	actual	ADJ
arjefm-69	173	4	lending	lending	NOUN
arjefm-69	173	5	practices	practice	NOUN
arjefm-69	173	6	were	be	AUX
arjefm-69	173	7	not	not	PART
arjefm-69	173	8	available	available	ADJ
arjefm-69	173	9	for	for	ADP
arjefm-69	173	10	this	this	DET
arjefm-69	173	11	study	study	NOUN
arjefm-69	173	12	.	.	PUNCT
arjefm-69	174	1	second	second	ADJ
arjefm-69	174	2	,	,	PUNCT
arjefm-69	174	3	we	we	PRON
arjefm-69	174	4	used	use	VERB
arjefm-69	174	5	a	a	DET
arjefm-69	174	6	sample	sample	NOUN
arjefm-69	174	7	of	of	ADP
arjefm-69	174	8	6	6	NUM
arjefm-69	174	9	banks	bank	NOUN
arjefm-69	174	10	over	over	ADP
arjefm-69	174	11	10	10	NUM
arjefm-69	174	12	years	year	NOUN
arjefm-69	174	13	.	.	PUNCT
arjefm-69	175	1	a	a	DET
arjefm-69	175	2	larger	large	ADJ
arjefm-69	175	3	sample	sample	NOUN
arjefm-69	175	4	may	may	AUX
arjefm-69	175	5	have	have	AUX
arjefm-69	175	6	yielded	yield	VERB
arjefm-69	175	7	more	more	ADV
arjefm-69	175	8	significant	significant	ADJ
arjefm-69	175	9	results	result	NOUN
arjefm-69	175	10	,	,	PUNCT
arjefm-69	175	11	though	though	SCONJ
arjefm-69	175	12	statisticians	statistician	NOUN
arjefm-69	175	13	warn	warn	VERB
arjefm-69	175	14	of	of	ADP
arjefm-69	175	15	overly	overly	ADV
arjefm-69	175	16	large	large	ADJ
arjefm-69	175	17	sample	sample	NOUN
arjefm-69	175	18	sizes	size	NOUN
arjefm-69	175	19	where	where	SCONJ
arjefm-69	175	20	small	small	ADJ
arjefm-69	175	21	effects	effect	NOUN
arjefm-69	175	22	are	be	AUX
arjefm-69	175	23	found	find	VERB
arjefm-69	175	24	to	to	PART
arjefm-69	175	25	be	be	AUX
arjefm-69	175	26	statistically	statistically	ADV
arjefm-69	175	27	significant	significant	ADJ
arjefm-69	175	28	(	(	PUNCT
arjefm-69	175	29	aguinis	aguinis	PROPN
arjefm-69	175	30	&	&	CCONJ
arjefm-69	175	31	harden	harden	PROPN
arjefm-69	175	32	,	,	PUNCT
arjefm-69	175	33	2009	2009	NUM
arjefm-69	175	34	)	)	PUNCT
arjefm-69	175	35	.	.	PUNCT
arjefm-69	176	1	for	for	ADP
arjefm-69	176	2	future	future	ADJ
arjefm-69	176	3	research	research	NOUN
arjefm-69	176	4	,	,	PUNCT
arjefm-69	176	5	we	we	PRON
arjefm-69	176	6	recommend	recommend	VERB
arjefm-69	176	7	that	that	SCONJ
arjefm-69	176	8	as	as	SCONJ
arjefm-69	176	9	basel	basel	PROPN
arjefm-69	176	10	3	3	NUM
arjefm-69	176	11	is	be	AUX
arjefm-69	176	12	implemented	implement	VERB
arjefm-69	176	13	,	,	PUNCT
arjefm-69	176	14	the	the	DET
arjefm-69	176	15	performance	performance	NOUN
arjefm-69	176	16	of	of	ADP
arjefm-69	176	17	banks	bank	NOUN
arjefm-69	176	18	be	be	AUX
arjefm-69	176	19	studied	study	VERB
arjefm-69	176	20	using	use	VERB
arjefm-69	176	21	the	the	DET
arjefm-69	176	22	increased	increase	VERB
arjefm-69	176	23	information	information	NOUN
arjefm-69	176	24	that	that	PRON
arjefm-69	176	25	will	will	AUX
arjefm-69	176	26	be	be	AUX
arjefm-69	176	27	available	available	ADJ
arjefm-69	176	28	under	under	ADP
arjefm-69	176	29	basel	basel	PROPN
arjefm-69	176	30	3	3	NUM
arjefm-69	176	31	,	,	PUNCT
arjefm-69	176	32	especially	especially	ADV
arjefm-69	176	33	with	with	ADP
arjefm-69	176	34	regard	regard	NOUN
arjefm-69	176	35	to	to	ADP
arjefm-69	176	36	liquidity	liquidity	NOUN
arjefm-69	176	37	requirements	requirement	NOUN
arjefm-69	176	38	and	and	CCONJ
arjefm-69	176	39	management	management	NOUN
arjefm-69	176	40	practices	practice	NOUN
arjefm-69	176	41	.	.	PUNCT
arjefm-69	177	1	a	a	DET
arjefm-69	177	2	follow	follow	NOUN
arjefm-69	177	3	up	up	ADP
arjefm-69	177	4	study	study	NOUN
arjefm-69	177	5	on	on	ADP
arjefm-69	177	6	the	the	DET
arjefm-69	177	7	financial	financial	ADJ
arjefm-69	177	8	performance	performance	NOUN
arjefm-69	177	9	of	of	ADP
arjefm-69	177	10	nepalese	nepalese	ADJ
arjefm-69	177	11	commercial	commercial	ADJ
arjefm-69	177	12	banks	bank	NOUN
arjefm-69	177	13	over	over	ADP
arjefm-69	177	14	the	the	DET
arjefm-69	177	15	next	next	ADJ
arjefm-69	177	16	few	few	ADJ
arjefm-69	177	17	years	year	NOUN
arjefm-69	177	18	is	be	AUX
arjefm-69	177	19	also	also	ADV
arjefm-69	177	20	recommended	recommend	VERB
arjefm-69	177	21	,	,	PUNCT
arjefm-69	177	22	to	to	PART
arjefm-69	177	23	measure	measure	VERB
arjefm-69	177	24	if	if	SCONJ
arjefm-69	177	25	lending	lending	NOUN
arjefm-69	177	26	practices	practice	NOUN
arjefm-69	177	27	have	have	AUX
arjefm-69	177	28	stabilized	stabilize	VERB
arjefm-69	177	29	and	and	CCONJ
arjefm-69	177	30	investigate	investigate	VERB
arjefm-69	177	31	if	if	SCONJ
arjefm-69	177	32	non	non	ADJ
arjefm-69	177	33	-	-	ADJ
arjefm-69	177	34	performing	perform	VERB
arjefm-69	177	35	assets	asset	NOUN
arjefm-69	177	36	are	be	AUX
arjefm-69	177	37	still	still	ADV
arjefm-69	177	38	a	a	DET
arjefm-69	177	39	significant	significant	ADJ
arjefm-69	177	40	factor	factor	NOUN
arjefm-69	177	41	.	.	PUNCT
arjefm-69	178	1	references	reference	NOUN
arjefm-69	178	2	acharya	acharya	PROPN
arjefm-69	178	3	,	,	PUNCT
arjefm-69	178	4	p.	p.	PROPN
arjefm-69	178	5	r.	r.	PROPN
arjefm-69	178	6	(	(	PUNCT
arjefm-69	178	7	2017	2017	NUM
arjefm-69	178	8	,	,	PUNCT
arjefm-69	178	9	august	august	PROPN
arjefm-69	178	10	22	22	NUM
arjefm-69	178	11	)	)	PUNCT
arjefm-69	178	12	.	.	PUNCT
arjefm-69	179	1	nrb	nrb	PROPN
arjefm-69	179	2	issues	issue	NOUN
arjefm-69	179	3	circular	circular	ADJ
arjefm-69	179	4	on	on	ADP
arjefm-69	179	5	paid	pay	VERB
arjefm-69	179	6	-	-	PUNCT
arjefm-69	179	7	up	up	ADP
arjefm-69	179	8	capital	capital	NOUN
arjefm-69	179	9	rules	rule	NOUN
arjefm-69	179	10	.	.	PUNCT
arjefm-69	180	1	the	the	DET
arjefm-69	180	2	himalayan	himalayan	PROPN
arjefm-69	180	3	times	time	NOUN
arjefm-69	180	4	.	.	PUNCT
arjefm-69	181	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	181	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	182	1	american	american	PROPN
arjefm-69	182	2	research	research	PROPN
arjefm-69	182	3	journal	journal	PROPN
arjefm-69	182	4	of	of	ADP
arjefm-69	182	5	economics	economic	NOUN
arjefm-69	182	6	,	,	PUNCT
arjefm-69	182	7	finance	finance	NOUN
arjefm-69	182	8	and	and	CCONJ
arjefm-69	182	9	management	management	NOUN
arjefm-69	182	10	volume	volume	NOUN
arjefm-69	182	11	10	10	NUM
arjefm-69	182	12	issue	issue	NOUN
arjefm-69	182	13	3	3	NUM
arjefm-69	182	14	,	,	PUNCT
arjefm-69	182	15	july	july	PROPN
arjefm-69	182	16	-	-	PUNCT
arjefm-69	182	17	september	september	PROPN
arjefm-69	182	18	2022	2022	NUM
arjefm-69	182	19	issn	issn	NOUN
arjefm-69	182	20	:	:	PUNCT
arjefm-69	182	21	2836	2836	NUM
arjefm-69	182	22	-	-	SYM
arjefm-69	182	23	9416	9416	NUM
arjefm-69	182	24	impact	impact	NOUN
arjefm-69	182	25	factor	factor	NOUN
arjefm-69	182	26	:	:	PUNCT
arjefm-69	182	27	4.85	4.85	NUM
arjefm-69	182	28	journal	journal	NOUN
arjefm-69	182	29	homepage	homepage	NOUN
arjefm-69	182	30	:	:	PUNCT
arjefm-69	182	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	182	32	,	,	PUNCT
arjefm-69	182	33	email	email	NOUN
arjefm-69	182	34	:	:	PUNCT
arjefm-69	183	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	183	2	official	official	ADJ
arjefm-69	183	3	journal	journal	PROPN
arjefm-69	183	4	of	of	ADP
arjefm-69	183	5	america	america	PROPN
arjefm-69	183	6	serial	serial	PROPN
arjefm-69	183	7	publication	publication	NOUN
arjefm-69	183	8	american	american	PROPN
arjefm-69	183	9	research	research	PROPN
arjefm-69	183	10	journal	journal	PROPN
arjefm-69	183	11	of	of	ADP
arjefm-69	183	12	economics	economic	NOUN
arjefm-69	183	13	,	,	PUNCT
arjefm-69	183	14	finance	finance	NOUN
arjefm-69	183	15	and	and	CCONJ
arjefm-69	183	16	management	management	NOUN
arjefm-69	183	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	183	18	,	,	PUNCT
arjefm-69	183	19	email	email	NOUN
arjefm-69	183	20	:	:	PUNCT
arjefm-69	183	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	184	1	10	10	NUM
arjefm-69	185	1	|	|	ADV
arjefm-69	185	2	p	p	X
arjefm-69	185	3	a	a	DET
arjefm-69	185	4	g	g	PROPN
arjefm-69	185	5	e	e	PROPN
arjefm-69	185	6	aguinis	aguinis	PROPN
arjefm-69	185	7	,	,	PUNCT
arjefm-69	185	8	h.	h.	PROPN
arjefm-69	185	9	,	,	PUNCT
arjefm-69	185	10	&	&	CCONJ
arjefm-69	185	11	harden	harden	PROPN
arjefm-69	185	12	,	,	PUNCT
arjefm-69	185	13	e.	e.	PROPN
arjefm-69	185	14	e.	e.	PROPN
arjefm-69	185	15	(	(	PUNCT
arjefm-69	185	16	2009	2009	NUM
arjefm-69	185	17	)	)	PUNCT
arjefm-69	185	18	.	.	PUNCT
arjefm-69	186	1	sample	sample	NOUN
arjefm-69	186	2	size	size	NOUN
arjefm-69	186	3	rules	rule	NOUN
arjefm-69	186	4	of	of	ADP
arjefm-69	186	5	thumb	thumb	NOUN
arjefm-69	186	6	:	:	PUNCT
arjefm-69	186	7	routledge	routledge	PROPN
arjefm-69	186	8	:	:	PUNCT
arjefm-69	186	9	new	new	PROPN
arjefm-69	186	10	york	york	PROPN
arjefm-69	186	11	.	.	PUNCT
arjefm-69	187	1	agwu	agwu	PROPN
arjefm-69	187	2	,	,	PUNCT
arjefm-69	187	3	e.	e.	PROPN
arjefm-69	187	4	(	(	PUNCT
arjefm-69	187	5	2018	2018	NUM
arjefm-69	187	6	)	)	PUNCT
arjefm-69	187	7	.	.	PUNCT
arjefm-69	188	1	credit	credit	NOUN
arjefm-69	188	2	risk	risk	NOUN
arjefm-69	188	3	management	management	NOUN
arjefm-69	188	4	:	:	PUNCT
arjefm-69	188	5	implications	implication	NOUN
arjefm-69	188	6	on	on	ADP
arjefm-69	188	7	bank	bank	NOUN
arjefm-69	188	8	performance	performance	NOUN
arjefm-69	188	9	and	and	CCONJ
arjefm-69	188	10	lending	lending	NOUN
arjefm-69	188	11	growth	growth	NOUN
arjefm-69	188	12	.	.	PUNCT
arjefm-69	189	1	available	available	ADJ
arjefm-69	189	2	at	at	ADP
arjefm-69	189	3	ssrn	ssrn	NOUN
arjefm-69	189	4	3122501	3122501	NUM
arjefm-69	189	5	.	.	PUNCT
arjefm-69	190	1	alessandrini	alessandrini	PROPN
arjefm-69	190	2	,	,	PUNCT
arjefm-69	190	3	p.	p.	NOUN
arjefm-69	190	4	,	,	PUNCT
arjefm-69	190	5	croci	croci	PROPN
arjefm-69	190	6	,	,	PUNCT
arjefm-69	190	7	m.	m.	NOUN
arjefm-69	190	8	,	,	PUNCT
arjefm-69	190	9	&	&	CCONJ
arjefm-69	190	10	zazzaro	zazzaro	NOUN
arjefm-69	190	11	,	,	PUNCT
arjefm-69	190	12	a.	a.	NOUN
arjefm-69	190	13	(	(	PUNCT
arjefm-69	190	14	2009	2009	NUM
arjefm-69	190	15	)	)	PUNCT
arjefm-69	190	16	.	.	PUNCT
arjefm-69	191	1	the	the	DET
arjefm-69	191	2	geography	geography	NOUN
arjefm-69	191	3	of	of	ADP
arjefm-69	191	4	banking	banking	NOUN
arjefm-69	191	5	power	power	NOUN
arjefm-69	191	6	:	:	PUNCT
arjefm-69	191	7	the	the	DET
arjefm-69	191	8	role	role	NOUN
arjefm-69	191	9	of	of	ADP
arjefm-69	191	10	functional	functional	ADJ
arjefm-69	191	11	distance	distance	NOUN
arjefm-69	191	12	.	.	PUNCT
arjefm-69	192	1	in	in	ADP
arjefm-69	192	2	the	the	DET
arjefm-69	192	3	banks	bank	NOUN
arjefm-69	192	4	and	and	CCONJ
arjefm-69	192	5	the	the	DET
arjefm-69	192	6	italian	italian	ADJ
arjefm-69	192	7	economy	economy	NOUN
arjefm-69	192	8	(	(	PUNCT
arjefm-69	192	9	pp	pp	ADJ
arjefm-69	192	10	.	.	PUNCT
arjefm-69	193	1	93	93	NUM
arjefm-69	193	2	-	-	SYM
arjefm-69	193	3	123	123	NUM
arjefm-69	193	4	):	):	PUNCT
arjefm-69	193	5	springer	springer	NOUN
arjefm-69	193	6	.	.	PUNCT
arjefm-69	194	1	allen	allen	PROPN
arjefm-69	194	2	,	,	PUNCT
arjefm-69	194	3	b.	b.	PROPN
arjefm-69	194	4	,	,	PUNCT
arjefm-69	194	5	chan	chan	PROPN
arjefm-69	194	6	,	,	PUNCT
arjefm-69	194	7	k.	k.	PROPN
arjefm-69	194	8	k.	k.	PROPN
arjefm-69	194	9	,	,	PUNCT
arjefm-69	194	10	milne	milne	PROPN
arjefm-69	194	11	,	,	PUNCT
arjefm-69	194	12	a.	a.	PROPN
arjefm-69	194	13	,	,	PUNCT
arjefm-69	194	14	&	&	CCONJ
arjefm-69	194	15	thomas	thomas	PROPN
arjefm-69	194	16	,	,	PUNCT
arjefm-69	194	17	s.	s.	PROPN
arjefm-69	194	18	(	(	PUNCT
arjefm-69	194	19	2012	2012	NUM
arjefm-69	194	20	)	)	PUNCT
arjefm-69	194	21	.	.	PUNCT
arjefm-69	195	1	basel	basel	PROPN
arjefm-69	195	2	iii	iii	PROPN
arjefm-69	195	3	:	:	PUNCT
arjefm-69	195	4	is	be	AUX
arjefm-69	195	5	the	the	DET
arjefm-69	195	6	cure	cure	NOUN
arjefm-69	195	7	worse	bad	ADJ
arjefm-69	195	8	than	than	ADP
arjefm-69	195	9	the	the	DET
arjefm-69	195	10	disease	disease	NOUN
arjefm-69	195	11	?	?	PUNCT
arjefm-69	196	1	international	international	ADJ
arjefm-69	196	2	review	review	NOUN
arjefm-69	196	3	of	of	ADP
arjefm-69	196	4	financial	financial	ADJ
arjefm-69	196	5	analysis	analysis	NOUN
arjefm-69	196	6	,	,	PUNCT
arjefm-69	196	7	25	25	NUM
arjefm-69	196	8	,	,	PUNCT
arjefm-69	196	9	159	159	NUM
arjefm-69	196	10	-	-	SYM
arjefm-69	196	11	166	166	NUM
arjefm-69	196	12	.	.	PUNCT
arjefm-69	197	1	alshatti	alshatti	PROPN
arjefm-69	197	2	,	,	PUNCT
arjefm-69	197	3	a.	a.	PROPN
arjefm-69	197	4	s.	s.	PROPN
arjefm-69	197	5	(	(	PUNCT
arjefm-69	197	6	2015	2015	NUM
arjefm-69	197	7	)	)	PUNCT
arjefm-69	197	8	.	.	PUNCT
arjefm-69	198	1	the	the	DET
arjefm-69	198	2	effect	effect	NOUN
arjefm-69	198	3	of	of	ADP
arjefm-69	198	4	credit	credit	NOUN
arjefm-69	198	5	risk	risk	NOUN
arjefm-69	198	6	management	management	NOUN
arjefm-69	198	7	on	on	ADP
arjefm-69	198	8	financial	financial	ADJ
arjefm-69	198	9	performance	performance	NOUN
arjefm-69	198	10	of	of	ADP
arjefm-69	198	11	the	the	DET
arjefm-69	198	12	jordanian	jordanian	ADJ
arjefm-69	198	13	commercial	commercial	ADJ
arjefm-69	198	14	banks	bank	NOUN
arjefm-69	198	15	.	.	PUNCT
arjefm-69	199	1	investment	investment	NOUN
arjefm-69	199	2	management	management	NOUN
arjefm-69	199	3	and	and	CCONJ
arjefm-69	199	4	financial	financial	ADJ
arjefm-69	199	5	innovations	innovation	NOUN
arjefm-69	199	6	,	,	PUNCT
arjefm-69	199	7	12(1	12(1	NUM
arjefm-69	199	8	)	)	PUNCT
arjefm-69	199	9	,	,	PUNCT
arjefm-69	199	10	338	338	NUM
arjefm-69	199	11	-	-	SYM
arjefm-69	199	12	345	345	NUM
arjefm-69	199	13	.	.	PUNCT
arjefm-69	200	1	andesfa	andesfa	NOUN
arjefm-69	200	2	,	,	PUNCT
arjefm-69	200	3	d.	d.	PROPN
arjefm-69	200	4	,	,	PUNCT
arjefm-69	200	5	&	&	CCONJ
arjefm-69	200	6	masdupi	masdupi	PROPN
arjefm-69	200	7	,	,	PUNCT
arjefm-69	200	8	e.	e.	PROPN
arjefm-69	200	9	(	(	PUNCT
arjefm-69	200	10	2019	2019	NUM
arjefm-69	200	11	)	)	PUNCT
arjefm-69	200	12	.	.	PUNCT
arjefm-69	201	1	effect	effect	NOUN
arjefm-69	201	2	of	of	ADP
arjefm-69	201	3	financial	financial	ADJ
arjefm-69	201	4	ratio	ratio	NOUN
arjefm-69	201	5	on	on	ADP
arjefm-69	201	6	profitability	profitability	NOUN
arjefm-69	201	7	of	of	ADP
arjefm-69	201	8	comercial	comercial	ADJ
arjefm-69	201	9	banks	bank	NOUN
arjefm-69	201	10	:	:	PUNCT
arjefm-69	201	11	a	a	DET
arjefm-69	201	12	systematic	systematic	ADJ
arjefm-69	201	13	literature	literature	NOUN
arjefm-69	201	14	review	review	NOUN
arjefm-69	201	15	.	.	PUNCT
arjefm-69	202	1	paper	paper	NOUN
arjefm-69	202	2	presented	present	VERB
arjefm-69	202	3	at	at	ADP
arjefm-69	202	4	the	the	DET
arjefm-69	202	5	2nd	2nd	PROPN
arjefm-69	202	6	padang	padang	PROPN
arjefm-69	202	7	international	international	PROPN
arjefm-69	202	8	conference	conference	PROPN
arjefm-69	202	9	on	on	ADP
arjefm-69	202	10	education	education	NOUN
arjefm-69	202	11	,	,	PUNCT
arjefm-69	202	12	economics	economic	NOUN
arjefm-69	202	13	,	,	PUNCT
arjefm-69	202	14	business	business	NOUN
arjefm-69	202	15	and	and	CCONJ
arjefm-69	202	16	accounting	accounting	NOUN
arjefm-69	202	17	(	(	PUNCT
arjefm-69	202	18	piceeba-2	piceeba-2	PROPN
arjefm-69	202	19	2018	2018	NUM
arjefm-69	202	20	)	)	PUNCT
arjefm-69	202	21	.	.	PUNCT
arjefm-69	203	1	bace	bace	PROPN
arjefm-69	203	2	,	,	PUNCT
arjefm-69	203	3	e.	e.	PROPN
arjefm-69	203	4	(	(	PUNCT
arjefm-69	203	5	2016	2016	NUM
arjefm-69	203	6	)	)	PUNCT
arjefm-69	203	7	.	.	PUNCT
arjefm-69	204	1	bank	bank	NOUN
arjefm-69	204	2	profitability	profitability	NOUN
arjefm-69	204	3	:	:	PUNCT
arjefm-69	204	4	liquidity	liquidity	NOUN
arjefm-69	204	5	,	,	PUNCT
arjefm-69	204	6	capital	capital	NOUN
arjefm-69	204	7	and	and	CCONJ
arjefm-69	204	8	asset	asset	NOUN
arjefm-69	204	9	quality	quality	NOUN
arjefm-69	204	10	.	.	PUNCT
arjefm-69	205	1	journal	journal	NOUN
arjefm-69	205	2	of	of	ADP
arjefm-69	205	3	risk	risk	NOUN
arjefm-69	205	4	management	management	NOUN
arjefm-69	205	5	in	in	ADP
arjefm-69	205	6	financial	financial	ADJ
arjefm-69	205	7	institutions	institution	NOUN
arjefm-69	205	8	,	,	PUNCT
arjefm-69	205	9	9(4	9(4	NUM
arjefm-69	205	10	)	)	PUNCT
arjefm-69	205	11	,	,	PUNCT
arjefm-69	205	12	327	327	NUM
arjefm-69	205	13	-	-	SYM
arjefm-69	205	14	331	331	NUM
arjefm-69	205	15	.	.	PUNCT
arjefm-69	206	1	baral	baral	PROPN
arjefm-69	206	2	,	,	PUNCT
arjefm-69	206	3	k.	k.	PROPN
arjefm-69	206	4	j.	j.	PROPN
arjefm-69	206	5	(	(	PUNCT
arjefm-69	206	6	2005	2005	NUM
arjefm-69	206	7	)	)	PUNCT
arjefm-69	206	8	.	.	PUNCT
arjefm-69	207	1	health	health	NOUN
arjefm-69	207	2	check	check	PROPN
arjefm-69	207	3	-	-	PUNCT
arjefm-69	207	4	up	up	NOUN
arjefm-69	207	5	of	of	ADP
arjefm-69	207	6	commercial	commercial	ADJ
arjefm-69	207	7	banks	bank	NOUN
arjefm-69	207	8	in	in	ADP
arjefm-69	207	9	the	the	DET
arjefm-69	207	10	framework	framework	NOUN
arjefm-69	207	11	of	of	ADP
arjefm-69	207	12	camel	camel	NOUN
arjefm-69	207	13	:	:	PUNCT
arjefm-69	207	14	a	a	DET
arjefm-69	207	15	case	case	NOUN
arjefm-69	207	16	study	study	NOUN
arjefm-69	207	17	of	of	ADP
arjefm-69	207	18	joint	joint	ADJ
arjefm-69	207	19	venture	venture	NOUN
arjefm-69	207	20	banks	bank	NOUN
arjefm-69	207	21	in	in	ADP
arjefm-69	207	22	nepal	nepal	PROPN
arjefm-69	207	23	.	.	PUNCT
arjefm-69	208	1	journal	journal	PROPN
arjefm-69	208	2	of	of	ADP
arjefm-69	208	3	nepalese	nepalese	ADJ
arjefm-69	208	4	business	business	NOUN
arjefm-69	208	5	studies	study	NOUN
arjefm-69	208	6	,	,	PUNCT
arjefm-69	208	7	2(1	2(1	NUM
arjefm-69	208	8	)	)	PUNCT
arjefm-69	208	9	,	,	PUNCT
arjefm-69	208	10	41	41	NUM
arjefm-69	208	11	-	-	SYM
arjefm-69	208	12	55	55	NUM
arjefm-69	208	13	.	.	PUNCT
arjefm-69	209	1	beck	beck	PROPN
arjefm-69	209	2	,	,	PUNCT
arjefm-69	209	3	t.	t.	PROPN
arjefm-69	209	4	,	,	PUNCT
arjefm-69	209	5	demirgüç	demirgüç	PROPN
arjefm-69	209	6	-	-	PUNCT
arjefm-69	209	7	kunt	kunt	PROPN
arjefm-69	209	8	,	,	PUNCT
arjefm-69	209	9	a.	a.	PROPN
arjefm-69	209	10	,	,	PUNCT
arjefm-69	209	11	&	&	CCONJ
arjefm-69	209	12	levine	levine	PROPN
arjefm-69	209	13	,	,	PUNCT
arjefm-69	209	14	r.	r.	PROPN
arjefm-69	209	15	(	(	PUNCT
arjefm-69	209	16	2010	2010	NUM
arjefm-69	209	17	)	)	PUNCT
arjefm-69	209	18	.	.	PUNCT
arjefm-69	210	1	financial	financial	ADJ
arjefm-69	210	2	institutions	institution	NOUN
arjefm-69	210	3	and	and	CCONJ
arjefm-69	210	4	markets	market	NOUN
arjefm-69	210	5	across	across	ADP
arjefm-69	210	6	countries	country	NOUN
arjefm-69	210	7	and	and	CCONJ
arjefm-69	210	8	over	over	ADP
arjefm-69	210	9	time	time	NOUN
arjefm-69	210	10	:	:	PUNCT
arjefm-69	210	11	the	the	DET
arjefm-69	210	12	updated	update	VERB
arjefm-69	210	13	financial	financial	ADJ
arjefm-69	210	14	development	development	NOUN
arjefm-69	210	15	and	and	CCONJ
arjefm-69	210	16	structure	structure	NOUN
arjefm-69	210	17	database	database	NOUN
arjefm-69	210	18	.	.	PUNCT
arjefm-69	211	1	the	the	DET
arjefm-69	211	2	world	world	PROPN
arjefm-69	211	3	bank	bank	PROPN
arjefm-69	211	4	economic	economic	PROPN
arjefm-69	211	5	review	review	PROPN
arjefm-69	211	6	,	,	PUNCT
arjefm-69	211	7	24(1	24(1	NUM
arjefm-69	211	8	)	)	PUNCT
arjefm-69	211	9	,	,	PUNCT
arjefm-69	211	10	77	77	NUM
arjefm-69	211	11	-	-	SYM
arjefm-69	211	12	92	92	NUM
arjefm-69	211	13	.	.	PUNCT
arjefm-69	212	1	bhattarai	bhattarai	PROPN
arjefm-69	212	2	,	,	PUNCT
arjefm-69	212	3	y.	y.	PROPN
arjefm-69	212	4	r.	r.	PROPN
arjefm-69	212	5	(	(	PUNCT
arjefm-69	212	6	2017	2017	NUM
arjefm-69	212	7	)	)	PUNCT
arjefm-69	212	8	.	.	PUNCT
arjefm-69	213	1	effect	effect	NOUN
arjefm-69	213	2	of	of	ADP
arjefm-69	213	3	non	non	ADJ
arjefm-69	213	4	-	-	ADJ
arjefm-69	213	5	performing	performing	ADJ
arjefm-69	213	6	loan	loan	NOUN
arjefm-69	213	7	on	on	ADP
arjefm-69	213	8	the	the	DET
arjefm-69	213	9	profitability	profitability	NOUN
arjefm-69	213	10	of	of	ADP
arjefm-69	213	11	commercial	commercial	ADJ
arjefm-69	213	12	banks	bank	NOUN
arjefm-69	213	13	in	in	ADP
arjefm-69	213	14	nepal	nepal	ADJ
arjefm-69	213	15	.	.	PUNCT
arjefm-69	214	1	prestige	prestige	PROPN
arjefm-69	214	2	international	international	PROPN
arjefm-69	214	3	journal	journal	NOUN
arjefm-69	214	4	of	of	ADP
arjefm-69	214	5	management	management	NOUN
arjefm-69	214	6	and	and	CCONJ
arjefm-69	214	7	research	research	NOUN
arjefm-69	214	8	,	,	PUNCT
arjefm-69	214	9	10(2	10(2	NUM
arjefm-69	214	10	)	)	PUNCT
arjefm-69	214	11	,	,	PUNCT
arjefm-69	214	12	1	1	NUM
arjefm-69	214	13	-	-	SYM
arjefm-69	214	14	9	9	NUM
arjefm-69	214	15	.	.	PUNCT
arjefm-69	215	1	bonga	bonga	PROPN
arjefm-69	215	2	,	,	PUNCT
arjefm-69	215	3	w.	w.	PROPN
arjefm-69	215	4	g.	g.	PROPN
arjefm-69	215	5	,	,	PUNCT
arjefm-69	215	6	chirenje	chirenje	PROPN
arjefm-69	215	7	,	,	PUNCT
arjefm-69	215	8	g.	g.	PROPN
arjefm-69	215	9	,	,	PUNCT
arjefm-69	215	10	&	&	CCONJ
arjefm-69	215	11	mugayi	mugayi	VERB
arjefm-69	215	12	,	,	PUNCT
arjefm-69	215	13	p.	p.	NOUN
arjefm-69	215	14	(	(	PUNCT
arjefm-69	215	15	2019	2019	NUM
arjefm-69	215	16	)	)	PUNCT
arjefm-69	215	17	.	.	PUNCT
arjefm-69	216	1	analysis	analysis	NOUN
arjefm-69	216	2	of	of	ADP
arjefm-69	216	3	credit	credit	NOUN
arjefm-69	216	4	culture	culture	NOUN
arjefm-69	216	5	in	in	ADP
arjefm-69	216	6	the	the	DET
arjefm-69	216	7	zimbabwean	zimbabwean	ADJ
arjefm-69	216	8	banking	banking	NOUN
arjefm-69	216	9	sector	sector	NOUN
arjefm-69	216	10	.	.	PUNCT
arjefm-69	217	1	journal	journal	PROPN
arjefm-69	217	2	of	of	ADP
arjefm-69	217	3	economics	economic	NOUN
arjefm-69	217	4	and	and	CCONJ
arjefm-69	217	5	finance	finance	NOUN
arjefm-69	217	6	(	(	PUNCT
arjefm-69	217	7	drj	drj	PROPN
arjefm-69	217	8	-	-	PUNCT
arjefm-69	217	9	jef	jef	PROPN
arjefm-69	217	10	)	)	PUNCT
arjefm-69	217	11	,	,	PUNCT
arjefm-69	217	12	4(2	4(2	NUM
arjefm-69	217	13	)	)	PUNCT
arjefm-69	217	14	,	,	PUNCT
arjefm-69	217	15	45	45	NUM
arjefm-69	217	16	-	-	SYM
arjefm-69	217	17	55	55	NUM
arjefm-69	217	18	.	.	PUNCT
arjefm-69	218	1	bongini	bongini	PROPN
arjefm-69	218	2	,	,	PUNCT
arjefm-69	218	3	p.	p.	NOUN
arjefm-69	218	4	,	,	PUNCT
arjefm-69	218	5	cucinelli	cucinelli	PROPN
arjefm-69	218	6	,	,	PUNCT
arjefm-69	218	7	d.	d.	PROPN
arjefm-69	218	8	,	,	PUNCT
arjefm-69	218	9	di	di	PROPN
arjefm-69	218	10	battista	battista	PROPN
arjefm-69	218	11	,	,	PUNCT
arjefm-69	218	12	m.	m.	PROPN
arjefm-69	218	13	l.	l.	PROPN
arjefm-69	218	14	,	,	PUNCT
arjefm-69	218	15	&	&	CCONJ
arjefm-69	218	16	nieri	nieri	PROPN
arjefm-69	218	17	,	,	PUNCT
arjefm-69	218	18	l.	l.	PROPN
arjefm-69	218	19	(	(	PUNCT
arjefm-69	218	20	2018	2018	NUM
arjefm-69	218	21	)	)	PUNCT
arjefm-69	218	22	.	.	PUNCT
arjefm-69	219	1	profitability	profitability	NOUN
arjefm-69	219	2	shocks	shock	NOUN
arjefm-69	219	3	and	and	CCONJ
arjefm-69	219	4	recovery	recovery	NOUN
arjefm-69	219	5	in	in	ADP
arjefm-69	219	6	time	time	NOUN
arjefm-69	219	7	of	of	ADP
arjefm-69	219	8	crisis	crisis	NOUN
arjefm-69	219	9	evidence	evidence	NOUN
arjefm-69	219	10	from	from	ADP
arjefm-69	219	11	european	european	ADJ
arjefm-69	219	12	banks	bank	NOUN
arjefm-69	219	13	.	.	PUNCT
arjefm-69	220	1	finance	finance	NOUN
arjefm-69	220	2	research	research	NOUN
arjefm-69	220	3	letters	letter	NOUN
arjefm-69	220	4	.	.	PUNCT
arjefm-69	221	1	carter	carter	PROPN
arjefm-69	221	2	,	,	PUNCT
arjefm-69	221	3	d.	d.	PROPN
arjefm-69	221	4	a.	a.	PROPN
arjefm-69	221	5	,	,	PUNCT
arjefm-69	221	6	mcnulty	mcnulty	PROPN
arjefm-69	221	7	,	,	PUNCT
arjefm-69	221	8	j.	j.	PROPN
arjefm-69	221	9	e.	e.	PROPN
arjefm-69	221	10	,	,	PUNCT
arjefm-69	221	11	&	&	CCONJ
arjefm-69	221	12	verbrugge	verbrugge	PROPN
arjefm-69	221	13	,	,	PUNCT
arjefm-69	221	14	j.	j.	PROPN
arjefm-69	221	15	a.	a.	PROPN
arjefm-69	221	16	(	(	PUNCT
arjefm-69	221	17	2004	2004	NUM
arjefm-69	221	18	)	)	PUNCT
arjefm-69	221	19	.	.	PUNCT
arjefm-69	222	1	do	do	AUX
arjefm-69	222	2	small	small	ADJ
arjefm-69	222	3	banks	bank	NOUN
arjefm-69	222	4	have	have	VERB
arjefm-69	222	5	an	an	DET
arjefm-69	222	6	advantage	advantage	NOUN
arjefm-69	222	7	in	in	ADP
arjefm-69	222	8	lending	lending	NOUN
arjefm-69	222	9	?	?	PUNCT
arjefm-69	223	1	an	an	DET
arjefm-69	223	2	examination	examination	NOUN
arjefm-69	223	3	of	of	ADP
arjefm-69	223	4	risk	risk	NOUN
arjefm-69	223	5	-	-	PUNCT
arjefm-69	223	6	adjusted	adjust	VERB
arjefm-69	223	7	yields	yield	NOUN
arjefm-69	223	8	on	on	ADP
arjefm-69	223	9	business	business	NOUN
arjefm-69	223	10	loans	loan	NOUN
arjefm-69	223	11	at	at	ADP
arjefm-69	223	12	large	large	ADJ
arjefm-69	223	13	and	and	CCONJ
arjefm-69	223	14	small	small	ADJ
arjefm-69	223	15	banks	bank	NOUN
arjefm-69	223	16	.	.	PUNCT
arjefm-69	224	1	journal	journal	PROPN
arjefm-69	224	2	of	of	ADP
arjefm-69	224	3	financial	financial	ADJ
arjefm-69	224	4	services	service	NOUN
arjefm-69	224	5	research	research	NOUN
arjefm-69	224	6	,	,	PUNCT
arjefm-69	224	7	25(2	25(2	NUM
arjefm-69	224	8	-	-	SYM
arjefm-69	224	9	3	3	NUM
arjefm-69	224	10	)	)	PUNCT
arjefm-69	224	11	,	,	PUNCT
arjefm-69	224	12	233	233	NUM
arjefm-69	224	13	-	-	SYM
arjefm-69	224	14	252	252	NUM
arjefm-69	224	15	.	.	PUNCT
arjefm-69	225	1	croissant	croissant	NOUN
arjefm-69	225	2	,	,	PUNCT
arjefm-69	225	3	y.	y.	PROPN
arjefm-69	225	4	,	,	PUNCT
arjefm-69	225	5	millo	millo	PROPN
arjefm-69	225	6	,	,	PUNCT
arjefm-69	225	7	g.	g.	PROPN
arjefm-69	225	8	,	,	PUNCT
arjefm-69	225	9	tappe	tappe	PROPN
arjefm-69	225	10	,	,	PUNCT
arjefm-69	225	11	k.	k.	PROPN
arjefm-69	225	12	,	,	PUNCT
arjefm-69	225	13	toomet	toomet	PROPN
arjefm-69	225	14	,	,	PUNCT
arjefm-69	225	15	o.	o.	PROPN
arjefm-69	225	16	,	,	PUNCT
arjefm-69	225	17	kleiber	kleiber	PROPN
arjefm-69	225	18	,	,	PUNCT
arjefm-69	225	19	c.	c.	PROPN
arjefm-69	225	20	,	,	PUNCT
arjefm-69	225	21	zeileis	zeileis	PROPN
arjefm-69	225	22	,	,	PUNCT
arjefm-69	225	23	a.	a.	NOUN
arjefm-69	225	24	,	,	PUNCT
arjefm-69	225	25	.	.	PUNCT
arjefm-69	225	26	.	.	PUNCT
arjefm-69	226	1	.	.	PUNCT
arjefm-69	227	1	croissant	croissant	NOUN
arjefm-69	227	2	,	,	PUNCT
arjefm-69	227	3	m.	m.	NOUN
arjefm-69	227	4	y.	y.	PROPN
arjefm-69	227	5	(	(	PUNCT
arjefm-69	227	6	2017	2017	NUM
arjefm-69	227	7	)	)	PUNCT
arjefm-69	227	8	.	.	PUNCT
arjefm-69	228	1	package	package	NOUN
arjefm-69	228	2	„	„	PUNCT
arjefm-69	228	3	plm‟.	plm‟.	PROPN
arjefm-69	228	4	choice	choice	NOUN
arjefm-69	228	5	,	,	PUNCT
arjefm-69	228	6	139(1	139(1	NUM
arjefm-69	228	7	)	)	PUNCT
arjefm-69	228	8	,	,	PUNCT
arjefm-69	228	9	227	227	NUM
arjefm-69	228	10	-	-	SYM
arjefm-69	228	11	240	240	NUM
arjefm-69	228	12	.	.	PUNCT
arjefm-69	229	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-69	229	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	230	1	american	american	PROPN
arjefm-69	230	2	research	research	PROPN
arjefm-69	230	3	journal	journal	PROPN
arjefm-69	230	4	of	of	ADP
arjefm-69	230	5	economics	economic	NOUN
arjefm-69	230	6	,	,	PUNCT
arjefm-69	230	7	finance	finance	NOUN
arjefm-69	230	8	and	and	CCONJ
arjefm-69	230	9	management	management	NOUN
arjefm-69	230	10	volume	volume	NOUN
arjefm-69	230	11	10	10	NUM
arjefm-69	230	12	issue	issue	NOUN
arjefm-69	230	13	3	3	NUM
arjefm-69	230	14	,	,	PUNCT
arjefm-69	230	15	july	july	PROPN
arjefm-69	230	16	-	-	PUNCT
arjefm-69	230	17	september	september	PROPN
arjefm-69	230	18	2022	2022	NUM
arjefm-69	230	19	issn	issn	NOUN
arjefm-69	230	20	:	:	PUNCT
arjefm-69	230	21	2836	2836	NUM
arjefm-69	230	22	-	-	SYM
arjefm-69	230	23	9416	9416	NUM
arjefm-69	230	24	impact	impact	NOUN
arjefm-69	230	25	factor	factor	NOUN
arjefm-69	230	26	:	:	PUNCT
arjefm-69	230	27	4.85	4.85	NUM
arjefm-69	230	28	journal	journal	NOUN
arjefm-69	230	29	homepage	homepage	NOUN
arjefm-69	230	30	:	:	PUNCT
arjefm-69	230	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	230	32	,	,	PUNCT
arjefm-69	230	33	email	email	NOUN
arjefm-69	230	34	:	:	PUNCT
arjefm-69	231	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	231	2	official	official	ADJ
arjefm-69	231	3	journal	journal	PROPN
arjefm-69	231	4	of	of	ADP
arjefm-69	231	5	america	america	PROPN
arjefm-69	231	6	serial	serial	PROPN
arjefm-69	231	7	publication	publication	NOUN
arjefm-69	231	8	american	american	PROPN
arjefm-69	231	9	research	research	PROPN
arjefm-69	231	10	journal	journal	PROPN
arjefm-69	231	11	of	of	ADP
arjefm-69	231	12	economics	economic	NOUN
arjefm-69	231	13	,	,	PUNCT
arjefm-69	231	14	finance	finance	NOUN
arjefm-69	231	15	and	and	CCONJ
arjefm-69	231	16	management	management	NOUN
arjefm-69	231	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	231	18	,	,	PUNCT
arjefm-69	231	19	email	email	NOUN
arjefm-69	231	20	:	:	PUNCT
arjefm-69	231	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	232	1	11	11	NUM
arjefm-69	233	1	|	|	ADV
arjefm-69	233	2	p	p	X
arjefm-69	233	3	a	a	DET
arjefm-69	233	4	g	g	NOUN
arjefm-69	233	5	e	e	NOUN
arjefm-69	233	6	duraj	duraj	VERB
arjefm-69	233	7	,	,	PUNCT
arjefm-69	233	8	b.	b.	PROPN
arjefm-69	233	9	(	(	PUNCT
arjefm-69	233	10	2015	2015	NUM
arjefm-69	233	11	)	)	PUNCT
arjefm-69	233	12	.	.	PUNCT
arjefm-69	234	1	factors	factor	NOUN
arjefm-69	234	2	influencing	influence	VERB
arjefm-69	234	3	the	the	DET
arjefm-69	234	4	bank	bank	NOUN
arjefm-69	234	5	profitability	profitability	NOUN
arjefm-69	234	6	empirical	empirical	ADJ
arjefm-69	234	7	evidence	evidence	NOUN
arjefm-69	234	8	from	from	ADP
arjefm-69	234	9	albania	albania	PROPN
arjefm-69	234	10	(	(	PUNCT
arjefm-69	234	11	vol	vol	NOUN
arjefm-69	234	12	.	.	PROPN
arjefm-69	234	13	5	5	NUM
arjefm-69	234	14	)	)	PUNCT
arjefm-69	234	15	.	.	PUNCT
arjefm-69	235	1	dziobek	dziobek	PROPN
arjefm-69	235	2	,	,	PUNCT
arjefm-69	235	3	c.	c.	PROPN
arjefm-69	235	4	,	,	PUNCT
arjefm-69	235	5	&	&	CCONJ
arjefm-69	235	6	pazarbasioglu	pazarbasioglu	PROPN
arjefm-69	235	7	,	,	PUNCT
arjefm-69	235	8	c.	c.	NOUN
arjefm-69	235	9	(	(	PUNCT
arjefm-69	235	10	1997	1997	NUM
arjefm-69	235	11	)	)	PUNCT
arjefm-69	235	12	.	.	PUNCT
arjefm-69	236	1	lessons	lesson	NOUN
arjefm-69	236	2	from	from	ADP
arjefm-69	236	3	systemic	systemic	ADJ
arjefm-69	236	4	bank	bank	NOUN
arjefm-69	236	5	restructuring	restructuring	NOUN
arjefm-69	236	6	:	:	PUNCT
arjefm-69	236	7	a	a	DET
arjefm-69	236	8	survey	survey	NOUN
arjefm-69	236	9	of	of	ADP
arjefm-69	236	10	24	24	NUM
arjefm-69	236	11	countries	country	NOUN
arjefm-69	236	12	.	.	PUNCT
arjefm-69	237	1	everitt	everitt	PROPN
arjefm-69	237	2	,	,	PUNCT
arjefm-69	237	3	b.	b.	PROPN
arjefm-69	237	4	(	(	PUNCT
arjefm-69	237	5	1998	1998	NUM
arjefm-69	237	6	)	)	PUNCT
arjefm-69	237	7	.	.	PUNCT
arjefm-69	238	1	the	the	DET
arjefm-69	238	2	cambridge	cambridge	PROPN
arjefm-69	238	3	dictionary	dictionary	PROPN
arjefm-69	238	4	of	of	ADP
arjefm-69	238	5	statistics	statistic	NOUN
arjefm-69	238	6	.	.	PUNCT
arjefm-69	239	1	in	in	ADP
arjefm-69	239	2	:	:	PUNCT
arjefm-69	239	3	cambridge	cambridge	PROPN
arjefm-69	239	4	,	,	PUNCT
arjefm-69	239	5	uk	uk	PROPN
arjefm-69	239	6	:	:	PUNCT
arjefm-69	239	7	cambridge	cambridge	PROPN
arjefm-69	239	8	university	university	PROPN
arjefm-69	239	9	press	press	NOUN
arjefm-69	239	10	.	.	PUNCT
arjefm-69	240	1	gizaw	gizaw	PROPN
arjefm-69	240	2	,	,	PUNCT
arjefm-69	240	3	m.	m.	NOUN
arjefm-69	240	4	,	,	PUNCT
arjefm-69	240	5	kebede	kebede	PROPN
arjefm-69	240	6	,	,	PUNCT
arjefm-69	240	7	m.	m.	NOUN
arjefm-69	240	8	,	,	PUNCT
arjefm-69	240	9	&	&	CCONJ
arjefm-69	240	10	selvaraj	selvaraj	PROPN
arjefm-69	240	11	,	,	PUNCT
arjefm-69	240	12	s.	s.	PROPN
arjefm-69	240	13	(	(	PUNCT
arjefm-69	240	14	2015	2015	NUM
arjefm-69	240	15	)	)	PUNCT
arjefm-69	240	16	.	.	PUNCT
arjefm-69	241	1	the	the	DET
arjefm-69	241	2	impact	impact	NOUN
arjefm-69	241	3	of	of	ADP
arjefm-69	241	4	credit	credit	NOUN
arjefm-69	241	5	risk	risk	NOUN
arjefm-69	241	6	on	on	ADP
arjefm-69	241	7	profitability	profitability	NOUN
arjefm-69	241	8	performance	performance	NOUN
arjefm-69	241	9	of	of	ADP
arjefm-69	241	10	commercial	commercial	ADJ
arjefm-69	241	11	banks	bank	NOUN
arjefm-69	241	12	in	in	ADP
arjefm-69	241	13	ethiopia	ethiopia	PROPN
arjefm-69	241	14	.	.	PUNCT
arjefm-69	242	1	african	african	ADJ
arjefm-69	242	2	journal	journal	PROPN
arjefm-69	242	3	of	of	ADP
arjefm-69	242	4	business	business	NOUN
arjefm-69	242	5	management	management	NOUN
arjefm-69	242	6	,	,	PUNCT
arjefm-69	242	7	9(2	9(2	NUM
arjefm-69	242	8	)	)	PUNCT
arjefm-69	242	9	,	,	PUNCT
arjefm-69	242	10	59	59	NUM
arjefm-69	242	11	-	-	SYM
arjefm-69	242	12	66	66	NUM
arjefm-69	242	13	.	.	PUNCT
arjefm-69	243	1	gnawali	gnawali	VERB
arjefm-69	243	2	,	,	PUNCT
arjefm-69	243	3	a.	a.	NOUN
arjefm-69	243	4	(	(	PUNCT
arjefm-69	243	5	2018	2018	NUM
arjefm-69	243	6	)	)	PUNCT
arjefm-69	243	7	.	.	PUNCT
arjefm-69	244	1	non	non	ADJ
arjefm-69	244	2	-	-	ADJ
arjefm-69	244	3	performing	perform	VERB
arjefm-69	244	4	asset	asset	NOUN
arjefm-69	244	5	and	and	CCONJ
arjefm-69	244	6	its	its	PRON
arjefm-69	244	7	effects	effect	NOUN
arjefm-69	244	8	on	on	ADP
arjefm-69	244	9	profitability	profitability	NOUN
arjefm-69	244	10	of	of	ADP
arjefm-69	244	11	nepalese	nepalese	ADJ
arjefm-69	244	12	commercial	commercial	ADJ
arjefm-69	244	13	banks	bank	NOUN
arjefm-69	244	14	.	.	PUNCT
arjefm-69	245	1	international	international	ADJ
arjefm-69	245	2	journal	journal	PROPN
arjefm-69	245	3	of	of	ADP
arjefm-69	245	4	research	research	NOUN
arjefm-69	245	5	in	in	ADP
arjefm-69	245	6	business	business	NOUN
arjefm-69	245	7	studies	study	NOUN
arjefm-69	245	8	and	and	CCONJ
arjefm-69	245	9	management	management	NOUN
arjefm-69	245	10	,	,	PUNCT
arjefm-69	245	11	5(9	5(9	NUM
arjefm-69	245	12	)	)	PUNCT
arjefm-69	245	13	,	,	PUNCT
arjefm-69	245	14	39	39	NUM
arjefm-69	245	15	-	-	SYM
arjefm-69	245	16	47	47	NUM
arjefm-69	245	17	.	.	PUNCT
arjefm-69	246	1	gould	gould	PROPN
arjefm-69	246	2	,	,	PUNCT
arjefm-69	246	3	t.	t.	PROPN
arjefm-69	246	4	(	(	PUNCT
arjefm-69	246	5	2000	2000	NUM
arjefm-69	246	6	)	)	PUNCT
arjefm-69	246	7	.	.	PUNCT
arjefm-69	247	1	imperial	imperial	ADJ
arjefm-69	247	2	warriors	warrior	NOUN
arjefm-69	247	3	:	:	PUNCT
arjefm-69	247	4	britain	britain	PROPN
arjefm-69	247	5	and	and	CCONJ
arjefm-69	247	6	the	the	DET
arjefm-69	247	7	gurkhas	gurkhas	PROPN
arjefm-69	247	8	:	:	PUNCT
arjefm-69	247	9	granta	granta	PROPN
arjefm-69	247	10	books	books	PROPN
arjefm-69	247	11	.	.	PUNCT
arjefm-69	248	1	havemann	havemann	PROPN
arjefm-69	248	2	,	,	PUNCT
arjefm-69	248	3	r.	r.	PROPN
arjefm-69	248	4	c.	c.	PROPN
arjefm-69	248	5	(	(	PUNCT
arjefm-69	248	6	2019	2019	NUM
arjefm-69	248	7	)	)	PUNCT
arjefm-69	248	8	.	.	PUNCT
arjefm-69	249	1	lessons	lesson	NOUN
arjefm-69	249	2	from	from	ADP
arjefm-69	249	3	south	south	ADJ
arjefm-69	249	4	african	african	PROPN
arjefm-69	249	5	bank	bank	NOUN
arjefm-69	249	6	failures	failure	NOUN
arjefm-69	249	7	2002	2002	NUM
arjefm-69	249	8	to	to	ADP
arjefm-69	249	9	2014	2014	NUM
arjefm-69	249	10	.	.	PUNCT
arjefm-69	250	1	herring	herring	PROPN
arjefm-69	250	2	,	,	PUNCT
arjefm-69	250	3	r.	r.	PROPN
arjefm-69	250	4	j.	j.	PROPN
arjefm-69	250	5	(	(	PUNCT
arjefm-69	250	6	2002	2002	NUM
arjefm-69	250	7	)	)	PUNCT
arjefm-69	250	8	.	.	PUNCT
arjefm-69	251	1	the	the	DET
arjefm-69	251	2	basel	basel	PROPN
arjefm-69	251	3	2	2	NUM
arjefm-69	251	4	approach	approach	NOUN
arjefm-69	251	5	to	to	ADP
arjefm-69	251	6	bank	bank	PROPN
arjefm-69	251	7	operational	operational	ADJ
arjefm-69	251	8	risk	risk	NOUN
arjefm-69	251	9	:	:	PUNCT
arjefm-69	251	10	regulation	regulation	NOUN
arjefm-69	251	11	on	on	ADP
arjefm-69	251	12	the	the	DET
arjefm-69	251	13	wrong	wrong	ADJ
arjefm-69	251	14	track	track	NOUN
arjefm-69	251	15	.	.	PUNCT
arjefm-69	252	1	the	the	DET
arjefm-69	252	2	journal	journal	NOUN
arjefm-69	252	3	of	of	ADP
arjefm-69	252	4	risk	risk	NOUN
arjefm-69	252	5	finance	finance	NOUN
arjefm-69	252	6	,	,	PUNCT
arjefm-69	252	7	4(1	4(1	NOUN
arjefm-69	252	8	)	)	PUNCT
arjefm-69	252	9	,	,	PUNCT
arjefm-69	252	10	42	42	NUM
arjefm-69	252	11	-	-	SYM
arjefm-69	252	12	45	45	NUM
arjefm-69	252	13	.	.	PUNCT
arjefm-69	253	1	jha	jha	PROPN
arjefm-69	253	2	,	,	PUNCT
arjefm-69	253	3	s.	s.	PROPN
arjefm-69	253	4	,	,	PUNCT
arjefm-69	253	5	&	&	CCONJ
arjefm-69	253	6	hui	hui	PROPN
arjefm-69	253	7	,	,	PUNCT
arjefm-69	253	8	x.	x.	NOUN
arjefm-69	253	9	(	(	PUNCT
arjefm-69	253	10	2012	2012	NUM
arjefm-69	253	11	)	)	PUNCT
arjefm-69	253	12	.	.	PUNCT
arjefm-69	254	1	a	a	DET
arjefm-69	254	2	comparison	comparison	NOUN
arjefm-69	254	3	of	of	ADP
arjefm-69	254	4	financial	financial	ADJ
arjefm-69	254	5	performance	performance	NOUN
arjefm-69	254	6	of	of	ADP
arjefm-69	254	7	commercial	commercial	ADJ
arjefm-69	254	8	banks	bank	NOUN
arjefm-69	254	9	:	:	PUNCT
arjefm-69	254	10	a	a	DET
arjefm-69	254	11	case	case	NOUN
arjefm-69	254	12	study	study	NOUN
arjefm-69	254	13	of	of	ADP
arjefm-69	254	14	nepal	nepal	ADJ
arjefm-69	254	15	.	.	PUNCT
arjefm-69	255	1	african	african	ADJ
arjefm-69	255	2	journal	journal	PROPN
arjefm-69	255	3	of	of	ADP
arjefm-69	255	4	business	business	NOUN
arjefm-69	255	5	management	management	NOUN
arjefm-69	255	6	,	,	PUNCT
arjefm-69	255	7	6(25	6(25	PROPN
arjefm-69	255	8	)	)	PUNCT
arjefm-69	255	9	,	,	PUNCT
arjefm-69	255	10	7601	7601	NUM
arjefm-69	255	11	-	-	SYM
arjefm-69	255	12	7611	7611	NUM
arjefm-69	255	13	.	.	PUNCT
arjefm-69	256	1	jokipii	jokipii	NOUN
arjefm-69	256	2	,	,	PUNCT
arjefm-69	256	3	t.	t.	PROPN
arjefm-69	256	4	,	,	PUNCT
arjefm-69	256	5	&	&	CCONJ
arjefm-69	256	6	milne	milne	PROPN
arjefm-69	256	7	,	,	PUNCT
arjefm-69	256	8	a.	a.	NOUN
arjefm-69	256	9	(	(	PUNCT
arjefm-69	256	10	2008	2008	NUM
arjefm-69	256	11	)	)	PUNCT
arjefm-69	256	12	.	.	PUNCT
arjefm-69	257	1	the	the	DET
arjefm-69	257	2	cyclical	cyclical	ADJ
arjefm-69	257	3	behaviour	behaviour	NOUN
arjefm-69	257	4	of	of	ADP
arjefm-69	257	5	european	european	PROPN
arjefm-69	257	6	bank	bank	PROPN
arjefm-69	257	7	capital	capital	NOUN
arjefm-69	257	8	buffers	buffer	NOUN
arjefm-69	257	9	.	.	PUNCT
arjefm-69	258	1	journal	journal	PROPN
arjefm-69	258	2	of	of	ADP
arjefm-69	258	3	banking	banking	NOUN
arjefm-69	258	4	&	&	CCONJ
arjefm-69	258	5	finance	finance	NOUN
arjefm-69	258	6	,	,	PUNCT
arjefm-69	258	7	32(8	32(8	NUM
arjefm-69	258	8	)	)	PUNCT
arjefm-69	258	9	,	,	PUNCT
arjefm-69	258	10	1440	1440	NUM
arjefm-69	258	11	-	-	SYM
arjefm-69	258	12	1451	1451	NUM
arjefm-69	258	13	.	.	PUNCT
arjefm-69	259	1	kadioglu	kadioglu	PROPN
arjefm-69	259	2	,	,	PUNCT
arjefm-69	259	3	e.	e.	PROPN
arjefm-69	259	4	,	,	PUNCT
arjefm-69	259	5	telceken	telceken	VERB
arjefm-69	259	6	,	,	PUNCT
arjefm-69	259	7	n.	n.	NOUN
arjefm-69	259	8	,	,	PUNCT
arjefm-69	259	9	&	&	CCONJ
arjefm-69	259	10	ocal	ocal	ADJ
arjefm-69	259	11	,	,	PUNCT
arjefm-69	259	12	n.	n.	NOUN
arjefm-69	259	13	(	(	PUNCT
arjefm-69	259	14	2017	2017	NUM
arjefm-69	259	15	)	)	PUNCT
arjefm-69	259	16	.	.	PUNCT
arjefm-69	260	1	effect	effect	NOUN
arjefm-69	260	2	of	of	ADP
arjefm-69	260	3	the	the	DET
arjefm-69	260	4	asset	asset	NOUN
arjefm-69	260	5	quality	quality	NOUN
arjefm-69	260	6	on	on	ADP
arjefm-69	260	7	the	the	DET
arjefm-69	260	8	bank	bank	NOUN
arjefm-69	260	9	profitability	profitability	NOUN
arjefm-69	260	10	.	.	PUNCT
arjefm-69	261	1	international	international	ADJ
arjefm-69	261	2	journal	journal	PROPN
arjefm-69	261	3	of	of	ADP
arjefm-69	261	4	economics	economic	NOUN
arjefm-69	261	5	and	and	CCONJ
arjefm-69	261	6	finance	finance	NOUN
arjefm-69	261	7	,	,	PUNCT
arjefm-69	261	8	9(7	9(7	NUM
arjefm-69	261	9	)	)	PUNCT
arjefm-69	261	10	,	,	PUNCT
arjefm-69	261	11	60	60	NUM
arjefm-69	261	12	-	-	SYM
arjefm-69	261	13	68	68	NUM
arjefm-69	261	14	.	.	PUNCT
arjefm-69	262	1	kreiner	kreiner	PROPN
arjefm-69	262	2	,	,	PUNCT
arjefm-69	262	3	k.	k.	PROPN
arjefm-69	262	4	,	,	PUNCT
arjefm-69	262	5	&	&	CCONJ
arjefm-69	262	6	lee	lee	PROPN
arjefm-69	262	7	,	,	PUNCT
arjefm-69	262	8	k.	k.	PROPN
arjefm-69	262	9	(	(	PUNCT
arjefm-69	262	10	2000	2000	NUM
arjefm-69	262	11	)	)	PUNCT
arjefm-69	262	12	.	.	PUNCT
arjefm-69	263	1	competence	competence	NOUN
arjefm-69	263	2	and	and	CCONJ
arjefm-69	263	3	community	community	NOUN
arjefm-69	263	4	:	:	PUNCT
arjefm-69	263	5	post	post	ADJ
arjefm-69	263	6	-	-	ADJ
arjefm-69	263	7	acquisition	acquisition	ADJ
arjefm-69	263	8	learning	learning	NOUN
arjefm-69	263	9	processes	process	NOUN
arjefm-69	263	10	in	in	ADP
arjefm-69	263	11	hightech	hightech	NOUN
arjefm-69	263	12	companies	company	NOUN
arjefm-69	263	13	.	.	PUNCT
arjefm-69	264	1	international	international	ADJ
arjefm-69	264	2	journal	journal	PROPN
arjefm-69	264	3	of	of	ADP
arjefm-69	264	4	technology	technology	NOUN
arjefm-69	264	5	management	management	NOUN
arjefm-69	264	6	,	,	PUNCT
arjefm-69	264	7	20(5	20(5	NOUN
arjefm-69	264	8	-	-	SYM
arjefm-69	264	9	8)	8)	NUM
arjefm-69	264	10	,	,	PUNCT
arjefm-69	264	11	657	657	NUM
arjefm-69	264	12	-	-	SYM
arjefm-69	264	13	669	669	NUM
arjefm-69	264	14	.	.	PUNCT
arjefm-69	265	1	kurawa	kurawa	PROPN
arjefm-69	265	2	,	,	PUNCT
arjefm-69	265	3	j.	j.	PROPN
arjefm-69	265	4	m.	m.	PROPN
arjefm-69	265	5	,	,	PUNCT
arjefm-69	265	6	&	&	CCONJ
arjefm-69	265	7	garba	garba	PROPN
arjefm-69	265	8	,	,	PUNCT
arjefm-69	265	9	s.	s.	PROPN
arjefm-69	265	10	(	(	PUNCT
arjefm-69	265	11	2014	2014	NUM
arjefm-69	265	12	)	)	PUNCT
arjefm-69	265	13	.	.	PUNCT
arjefm-69	266	1	an	an	DET
arjefm-69	266	2	evaluation	evaluation	NOUN
arjefm-69	266	3	of	of	ADP
arjefm-69	266	4	the	the	DET
arjefm-69	266	5	effect	effect	NOUN
arjefm-69	266	6	of	of	ADP
arjefm-69	266	7	credit	credit	NOUN
arjefm-69	266	8	risk	risk	NOUN
arjefm-69	266	9	management	management	NOUN
arjefm-69	266	10	(	(	PUNCT
arjefm-69	266	11	crm	crm	NOUN
arjefm-69	266	12	)	)	PUNCT
arjefm-69	266	13	on	on	ADP
arjefm-69	266	14	the	the	DET
arjefm-69	266	15	profitability	profitability	NOUN
arjefm-69	266	16	of	of	ADP
arjefm-69	266	17	nigerian	nigerian	ADJ
arjefm-69	266	18	banks	bank	NOUN
arjefm-69	266	19	.	.	PUNCT
arjefm-69	267	1	journal	journal	NOUN
arjefm-69	267	2	of	of	ADP
arjefm-69	267	3	modern	modern	ADJ
arjefm-69	267	4	accounting	accounting	NOUN
arjefm-69	267	5	and	and	CCONJ
arjefm-69	267	6	auditing	auditing	NOUN
arjefm-69	267	7	,	,	PUNCT
arjefm-69	267	8	10(1	10(1	NUM
arjefm-69	267	9	)	)	PUNCT
arjefm-69	267	10	,	,	PUNCT
arjefm-69	267	11	104	104	NUM
arjefm-69	267	12	.	.	PUNCT
arjefm-69	268	1	lei	lei	PROPN
arjefm-69	268	2	,	,	PUNCT
arjefm-69	268	3	d.	d.	PROPN
arjefm-69	268	4	,	,	PUNCT
arjefm-69	268	5	&	&	CCONJ
arjefm-69	268	6	hitt	hitt	PROPN
arjefm-69	268	7	,	,	PUNCT
arjefm-69	268	8	m.	m.	NOUN
arjefm-69	268	9	a.	a.	NOUN
arjefm-69	268	10	(	(	PUNCT
arjefm-69	268	11	1995	1995	NUM
arjefm-69	268	12	)	)	PUNCT
arjefm-69	268	13	.	.	PUNCT
arjefm-69	269	1	strategic	strategic	ADJ
arjefm-69	269	2	restructuring	restructuring	NOUN
arjefm-69	269	3	and	and	CCONJ
arjefm-69	269	4	outsourcing	outsourcing	NOUN
arjefm-69	269	5	:	:	PUNCT
arjefm-69	269	6	the	the	DET
arjefm-69	269	7	effect	effect	NOUN
arjefm-69	269	8	of	of	ADP
arjefm-69	269	9	mergers	merger	NOUN
arjefm-69	269	10	and	and	CCONJ
arjefm-69	269	11	acquisitions	acquisition	NOUN
arjefm-69	269	12	and	and	CCONJ
arjefm-69	269	13	lbos	lbo	NOUN
arjefm-69	269	14	on	on	ADP
arjefm-69	269	15	building	build	VERB
arjefm-69	269	16	firm	firm	ADJ
arjefm-69	269	17	skills	skill	NOUN
arjefm-69	269	18	and	and	CCONJ
arjefm-69	269	19	capabilities	capability	NOUN
arjefm-69	269	20	.	.	PUNCT
arjefm-69	270	1	journal	journal	NOUN
arjefm-69	270	2	of	of	ADP
arjefm-69	270	3	management	management	NOUN
arjefm-69	270	4	,	,	PUNCT
arjefm-69	270	5	21(5	21(5	NUM
arjefm-69	270	6	)	)	PUNCT
arjefm-69	270	7	,	,	PUNCT
arjefm-69	270	8	835	835	NUM
arjefm-69	270	9	-	-	SYM
arjefm-69	270	10	859	859	NUM
arjefm-69	270	11	.	.	PUNCT
arjefm-69	270	12	lokshin	lokshin	PROPN
arjefm-69	270	13	,	,	PUNCT
arjefm-69	270	14	m.	m.	NOUN
arjefm-69	270	15	,	,	PUNCT
arjefm-69	270	16	bontch	bontch	NOUN
arjefm-69	270	17	osmolovski	osmolovski	ADJ
arjefm-69	270	18	,	,	PUNCT
arjefm-69	270	19	m.	m.	NOUN
arjefm-69	270	20	,	,	PUNCT
arjefm-69	270	21	&	&	CCONJ
arjefm-69	270	22	glinskaya	glinskaya	PROPN
arjefm-69	270	23	,	,	PUNCT
arjefm-69	270	24	e.	e.	PROPN
arjefm-69	270	25	(	(	PUNCT
arjefm-69	270	26	2010	2010	NUM
arjefm-69	270	27	)	)	PUNCT
arjefm-69	270	28	.	.	PUNCT
arjefm-69	271	1	work	work	NOUN
arjefm-69	271	2	related	relate	VERB
arjefm-69	271	3	migration	migration	NOUN
arjefm-69	271	4	and	and	CCONJ
arjefm-69	271	5	poverty	poverty	NOUN
arjefm-69	271	6	reduction	reduction	NOUN
arjefm-69	271	7	in	in	ADP
arjefm-69	271	8	nepal	nepal	ADJ
arjefm-69	271	9	.	.	PUNCT
arjefm-69	272	1	review	review	NOUN
arjefm-69	272	2	of	of	ADP
arjefm-69	272	3	development	development	NOUN
arjefm-69	272	4	economics	economic	NOUN
arjefm-69	272	5	,	,	PUNCT
arjefm-69	272	6	14(2	14(2	NUM
arjefm-69	272	7	)	)	PUNCT
arjefm-69	272	8	,	,	PUNCT
arjefm-69	272	9	323	323	NUM
arjefm-69	272	10	-	-	SYM
arjefm-69	272	11	332	332	NUM
arjefm-69	272	12	.	.	PUNCT
arjefm-69	273	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-69	273	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	274	1	american	american	PROPN
arjefm-69	274	2	research	research	PROPN
arjefm-69	274	3	journal	journal	PROPN
arjefm-69	274	4	of	of	ADP
arjefm-69	274	5	economics	economic	NOUN
arjefm-69	274	6	,	,	PUNCT
arjefm-69	274	7	finance	finance	NOUN
arjefm-69	274	8	and	and	CCONJ
arjefm-69	274	9	management	management	NOUN
arjefm-69	274	10	volume	volume	NOUN
arjefm-69	274	11	10	10	NUM
arjefm-69	274	12	issue	issue	NOUN
arjefm-69	274	13	3	3	NUM
arjefm-69	274	14	,	,	PUNCT
arjefm-69	274	15	july	july	PROPN
arjefm-69	274	16	-	-	PUNCT
arjefm-69	274	17	september	september	PROPN
arjefm-69	274	18	2022	2022	NUM
arjefm-69	274	19	issn	issn	NOUN
arjefm-69	274	20	:	:	PUNCT
arjefm-69	274	21	2836	2836	NUM
arjefm-69	274	22	-	-	SYM
arjefm-69	274	23	9416	9416	NUM
arjefm-69	274	24	impact	impact	NOUN
arjefm-69	274	25	factor	factor	NOUN
arjefm-69	274	26	:	:	PUNCT
arjefm-69	274	27	4.85	4.85	NUM
arjefm-69	274	28	journal	journal	NOUN
arjefm-69	274	29	homepage	homepage	NOUN
arjefm-69	274	30	:	:	PUNCT
arjefm-69	274	31	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	274	32	,	,	PUNCT
arjefm-69	274	33	email	email	NOUN
arjefm-69	274	34	:	:	PUNCT
arjefm-69	275	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	275	2	official	official	ADJ
arjefm-69	275	3	journal	journal	PROPN
arjefm-69	275	4	of	of	ADP
arjefm-69	275	5	america	america	PROPN
arjefm-69	275	6	serial	serial	PROPN
arjefm-69	275	7	publication	publication	NOUN
arjefm-69	275	8	american	american	PROPN
arjefm-69	275	9	research	research	PROPN
arjefm-69	275	10	journal	journal	PROPN
arjefm-69	275	11	of	of	ADP
arjefm-69	275	12	economics	economic	NOUN
arjefm-69	275	13	,	,	PUNCT
arjefm-69	275	14	finance	finance	NOUN
arjefm-69	275	15	and	and	CCONJ
arjefm-69	275	16	management	management	NOUN
arjefm-69	275	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	275	18	,	,	PUNCT
arjefm-69	275	19	email	email	NOUN
arjefm-69	275	20	:	:	PUNCT
arjefm-69	275	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	276	1	12	12	NUM
arjefm-69	277	1	|	|	ADV
arjefm-69	277	2	p	p	X
arjefm-69	277	3	a	a	DET
arjefm-69	277	4	g	g	NOUN
arjefm-69	277	5	e	e	PROPN
arjefm-69	277	6	mathame	mathame	NOUN
arjefm-69	277	7	,	,	PUNCT
arjefm-69	277	8	t.	t.	PROPN
arjefm-69	277	9	(	(	PUNCT
arjefm-69	277	10	2018	2018	NUM
arjefm-69	277	11	)	)	PUNCT
arjefm-69	277	12	.	.	PUNCT
arjefm-69	278	1	supervisory	supervisory	ADJ
arjefm-69	278	2	risk	risk	NOUN
arjefm-69	278	3	assessment	assessment	NOUN
arjefm-69	278	4	in	in	ADP
arjefm-69	278	5	a	a	DET
arjefm-69	278	6	basel	basel	PROPN
arjefm-69	278	7	environment	environment	NOUN
arjefm-69	278	8	:	:	PUNCT
arjefm-69	278	9	the	the	DET
arjefm-69	278	10	stress	stress	NOUN
arjefm-69	278	11	testing	testing	NOUN
arjefm-69	278	12	of	of	ADP
arjefm-69	278	13	banks	bank	NOUN
arjefm-69	278	14	in	in	ADP
arjefm-69	278	15	botswana	botswana	PROPN
arjefm-69	278	16	.	.	PUNCT
arjefm-69	279	1	university	university	PROPN
arjefm-69	279	2	of	of	ADP
arjefm-69	279	3	cape	cape	PROPN
arjefm-69	279	4	town	town	NOUN
arjefm-69	279	5	,	,	PUNCT
arjefm-69	279	6	pazarbaşioğlu	pazarbaşioğlu	NOUN
arjefm-69	279	7	,	,	PUNCT
arjefm-69	279	8	c.	c.	PROPN
arjefm-69	279	9	(	(	PUNCT
arjefm-69	279	10	1998	1998	NUM
arjefm-69	279	11	)	)	PUNCT
arjefm-69	279	12	.	.	PUNCT
arjefm-69	280	1	lessons	lesson	NOUN
arjefm-69	280	2	from	from	ADP
arjefm-69	280	3	systemic	systemic	ADJ
arjefm-69	280	4	bank	bank	NOUN
arjefm-69	280	5	restructuring	restructuring	NOUN
arjefm-69	280	6	(	(	PUNCT
arjefm-69	280	7	vol	vol	NOUN
arjefm-69	280	8	.	.	PUNCT
arjefm-69	280	9	14	14	NUM
arjefm-69	280	10	):	):	PUNCT
arjefm-69	280	11	international	international	ADJ
arjefm-69	280	12	monetary	monetary	ADJ
arjefm-69	280	13	fund	fund	PROPN
arjefm-69	280	14	.	.	PUNCT
arjefm-69	281	1	poudel	poudel	PROPN
arjefm-69	281	2	,	,	PUNCT
arjefm-69	281	3	r.	r.	PROPN
arjefm-69	281	4	p.	p.	PROPN
arjefm-69	281	5	s.	s.	PROPN
arjefm-69	281	6	(	(	PUNCT
arjefm-69	281	7	2013	2013	NUM
arjefm-69	281	8	)	)	PUNCT
arjefm-69	281	9	.	.	PUNCT
arjefm-69	282	1	macroeconomic	macroeconomic	ADJ
arjefm-69	282	2	determinants	determinant	NOUN
arjefm-69	282	3	of	of	ADP
arjefm-69	282	4	credit	credit	NOUN
arjefm-69	282	5	risk	risk	NOUN
arjefm-69	282	6	in	in	ADP
arjefm-69	282	7	nepalese	nepalese	ADJ
arjefm-69	282	8	banking	banking	NOUN
arjefm-69	282	9	industry	industry	NOUN
arjefm-69	282	10	.	.	PUNCT
arjefm-69	283	1	paper	paper	NOUN
arjefm-69	283	2	presented	present	VERB
arjefm-69	283	3	at	at	ADP
arjefm-69	283	4	the	the	DET
arjefm-69	283	5	proceedings	proceeding	NOUN
arjefm-69	283	6	of	of	ADP
arjefm-69	283	7	21st	21st	ADJ
arjefm-69	283	8	international	international	ADJ
arjefm-69	283	9	business	business	NOUN
arjefm-69	283	10	research	research	NOUN
arjefm-69	283	11	conference	conference	NOUN
arjefm-69	283	12	.	.	PUNCT
arjefm-69	284	1	rost	rost	PROPN
arjefm-69	284	2	,	,	PUNCT
arjefm-69	284	3	b.	b.	PROPN
arjefm-69	284	4	(	(	PUNCT
arjefm-69	284	5	2010	2010	NUM
arjefm-69	284	6	)	)	PUNCT
arjefm-69	284	7	.	.	PUNCT
arjefm-69	285	1	basel	basel	PROPN
arjefm-69	285	2	committee	committee	PROPN
arjefm-69	285	3	on	on	ADP
arjefm-69	285	4	banking	banking	NOUN
arjefm-69	285	5	supervision	supervision	NOUN
arjefm-69	285	6	.	.	PUNCT
arjefm-69	286	1	in	in	ADP
arjefm-69	286	2	handbook	handbook	NOUN
arjefm-69	286	3	of	of	ADP
arjefm-69	286	4	transnational	transnational	ADJ
arjefm-69	286	5	economic	economic	ADJ
arjefm-69	286	6	governance	governance	NOUN
arjefm-69	286	7	regimes	regime	NOUN
arjefm-69	286	8	(	(	PUNCT
arjefm-69	286	9	pp	pp	ADJ
arjefm-69	286	10	.	.	PUNCT
arjefm-69	287	1	319	319	NUM
arjefm-69	287	2	-	-	SYM
arjefm-69	287	3	328	328	NUM
arjefm-69	287	4	):	):	PUNCT
arjefm-69	287	5	brill	brill	PROPN
arjefm-69	287	6	nijhoff	nijhoff	NOUN
arjefm-69	287	7	.	.	PUNCT
arjefm-69	288	1	sharma	sharma	PROPN
arjefm-69	288	2	,	,	PUNCT
arjefm-69	288	3	r.	r.	PROPN
arjefm-69	288	4	d.	d.	PROPN
arjefm-69	288	5	(	(	PUNCT
arjefm-69	288	6	2015	2015	NUM
arjefm-69	288	7	,	,	PUNCT
arjefm-69	288	8	july	july	PROPN
arjefm-69	288	9	24th	24th	NOUN
arjefm-69	288	10	2015	2015	NUM
arjefm-69	288	11	)	)	PUNCT
arjefm-69	288	12	.	.	PUNCT
arjefm-69	289	1	nrb	nrb	PROPN
arjefm-69	289	2	raises	raise	VERB
arjefm-69	289	3	bank	bank	PROPN
arjefm-69	289	4	capital	capital	NOUN
arjefm-69	289	5	requirement	requirement	NOUN
arjefm-69	289	6	to	to	ADP
arjefm-69	289	7	rs	rs	VERB
arjefm-69	289	8	8	8	NUM
arjefm-69	289	9	billion	billion	NUM
arjefm-69	289	10	.	.	PUNCT
arjefm-69	290	1	the	the	DET
arjefm-69	290	2	himalayan	himalayan	PROPN
arjefm-69	290	3	times	time	NOUN
arjefm-69	290	4	.	.	PUNCT
arjefm-69	290	5	retrieved	retrieve	VERB
arjefm-69	290	6	from	from	ADP
arjefm-69	290	7	https://thehimalayantimes.com/business/nrb-raises-bankcapital-requirement-to-rs-8billion/	https://thehimalayantimes.com/business/nrb-raises-bankcapital-requirement-to-rs-8billion/	PROPN
arjefm-69	290	8	shrestha	shrestha	PROPN
arjefm-69	290	9	,	,	PUNCT
arjefm-69	290	10	g.	g.	PROPN
arjefm-69	290	11	k.	k.	PROPN
arjefm-69	290	12	(	(	PUNCT
arjefm-69	290	13	2004	2004	NUM
arjefm-69	290	14	)	)	PUNCT
arjefm-69	290	15	.	.	PUNCT
arjefm-69	291	1	financial	financial	ADJ
arjefm-69	291	2	sector	sector	NOUN
arjefm-69	291	3	reforms	reform	NOUN
arjefm-69	291	4	in	in	ADP
arjefm-69	291	5	nepal	nepal	ADJ
arjefm-69	291	6	.	.	PUNCT
arjefm-69	292	1	nrb	nrb	PROPN
arjefm-69	292	2	economic	economic	PROPN
arjefm-69	292	3	review	review	PROPN
arjefm-69	292	4	,	,	PUNCT
arjefm-69	292	5	16	16	NUM
arjefm-69	292	6	,	,	PUNCT
arjefm-69	292	7	75	75	NUM
arjefm-69	292	8	-	-	SYM
arjefm-69	292	9	90	90	NUM
arjefm-69	292	10	.	.	PUNCT
arjefm-69	293	1	subedi	subedi	PROPN
arjefm-69	293	2	,	,	PUNCT
arjefm-69	293	3	s.	s.	PROPN
arjefm-69	293	4	,	,	PUNCT
arjefm-69	293	5	&	&	CCONJ
arjefm-69	293	6	neupane	neupane	PROPN
arjefm-69	293	7	,	,	PUNCT
arjefm-69	293	8	b.	b.	PROPN
arjefm-69	293	9	(	(	PUNCT
arjefm-69	293	10	2013	2013	NUM
arjefm-69	293	11	)	)	PUNCT
arjefm-69	293	12	.	.	PUNCT
arjefm-69	294	1	determinants	determinant	NOUN
arjefm-69	294	2	of	of	ADP
arjefm-69	294	3	banks‟	banks‟	CCONJ
arjefm-69	294	4	liquidity	liquidity	NOUN
arjefm-69	294	5	and	and	CCONJ
arjefm-69	294	6	their	their	PRON
arjefm-69	294	7	impact	impact	NOUN
arjefm-69	294	8	on	on	ADP
arjefm-69	294	9	financial	financial	ADJ
arjefm-69	294	10	performance	performance	NOUN
arjefm-69	294	11	in	in	ADP
arjefm-69	294	12	nepalese	nepalese	ADJ
arjefm-69	294	13	commercial	commercial	ADJ
arjefm-69	294	14	banks	bank	NOUN
arjefm-69	294	15	.	.	PUNCT
arjefm-69	295	1	uprety	uprety	NOUN
arjefm-69	295	2	,	,	PUNCT
arjefm-69	295	3	c.	c.	PROPN
arjefm-69	295	4	p.	p.	PROPN
arjefm-69	295	5	(	(	PUNCT
arjefm-69	295	6	2013	2013	NUM
arjefm-69	295	7	)	)	PUNCT
arjefm-69	295	8	.	.	PUNCT
arjefm-69	296	1	basel	basel	PROPN
arjefm-69	296	2	iii	iii	PROPN
arjefm-69	296	3	implementation	implementation	NOUN
arjefm-69	296	4	:	:	PUNCT
arjefm-69	296	5	challenges	challenge	NOUN
arjefm-69	296	6	and	and	CCONJ
arjefm-69	296	7	opportunities	opportunity	NOUN
arjefm-69	296	8	in	in	ADP
arjefm-69	296	9	nepal	nepal	ADJ
arjefm-69	296	10	.	.	PUNCT
arjefm-69	297	1	basel	basel	PROPN
arjefm-69	297	2	iii	iii	PROPN
arjefm-69	297	3	implementation	implementation	NOUN
arjefm-69	297	4	:	:	PUNCT
arjefm-69	297	5	challenges	challenge	NOUN
arjefm-69	297	6	and	and	CCONJ
arjefm-69	297	7	opportunities	opportunity	NOUN
arjefm-69	297	8	,	,	PUNCT
arjefm-69	297	9	237	237	NUM
arjefm-69	297	10	-	-	SYM
arjefm-69	297	11	275	275	NUM
arjefm-69	297	12	.	.	PUNCT
arjefm-69	298	1	vines	vine	NOUN
arjefm-69	298	2	,	,	PUNCT
arjefm-69	298	3	a.	a.	NOUN
arjefm-69	298	4	(	(	PUNCT
arjefm-69	298	5	1999	1999	NUM
arjefm-69	298	6	)	)	PUNCT
arjefm-69	298	7	.	.	PUNCT
arjefm-69	299	1	gurkhas	gurkha	NOUN
arjefm-69	299	2	and	and	CCONJ
arjefm-69	299	3	the	the	DET
arjefm-69	299	4	private	private	ADJ
arjefm-69	299	5	security	security	NOUN
arjefm-69	299	6	business	business	NOUN
arjefm-69	299	7	in	in	ADP
arjefm-69	299	8	africa	africa	PROPN
arjefm-69	299	9	.	.	PUNCT
arjefm-69	300	1	peace	peace	NOUN
arjefm-69	300	2	,	,	PUNCT
arjefm-69	300	3	profit	profit	NOUN
arjefm-69	300	4	or	or	CCONJ
arjefm-69	300	5	plunder	plunder	NOUN
arjefm-69	300	6	,	,	PUNCT
arjefm-69	300	7	123	123	NUM
arjefm-69	300	8	-	-	SYM
arjefm-69	300	9	140	140	NUM
arjefm-69	300	10	.	.	PUNCT
arjefm-69	301	1	yamanaka	yamanaka	PROPN
arjefm-69	301	2	,	,	PUNCT
arjefm-69	301	3	k.	k.	PROPN
arjefm-69	301	4	(	(	PUNCT
arjefm-69	301	5	2000	2000	NUM
arjefm-69	301	6	)	)	PUNCT
arjefm-69	301	7	.	.	PUNCT
arjefm-69	302	1	nepalese	nepalese	ADJ
arjefm-69	302	2	labour	labour	PROPN
arjefm-69	302	3	migration	migration	NOUN
arjefm-69	302	4	to	to	ADP
arjefm-69	302	5	japan	japan	PROPN
arjefm-69	302	6	:	:	PUNCT
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arjefm-69	316	96	17,587,870,443	17,587,870,443	NUM
arjefm-69	316	97	2017	2017	NUM
arjefm-69	316	98	bank3	bank3	VERB
arjefm-69	316	99	10,360,820	10,360,820	NUM
arjefm-69	316	100	848	848	NUM
arjefm-69	316	101	12,218	12,218	NUM
arjefm-69	316	102	5,464,678,241	5,464,678,241	NUM
arjefm-69	316	103	105,621,541,000	105,621,541,000	NUM
arjefm-69	316	104	2016	2016	NUM
arjefm-69	316	105	bank3	bank3	ADJ
arjefm-69	316	106	5,444,033	5,444,033	NUM
arjefm-69	316	107	792	792	NUM
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arjefm-69	316	109	4,344,447,596	4,344,447,596	NUM
arjefm-69	316	110	91,993,791,000	91,993,791,000	NUM
arjefm-69	316	111	2015	2015	NUM
arjefm-69	316	112	bank3	bank3	ADJ
arjefm-69	316	113	11,428,342	11,428,342	NUM
arjefm-69	316	114	706	706	NUM
arjefm-69	317	1	16,187	16,187	NUM
arjefm-69	317	2	3,235,924,937	3,235,924,937	NUM
arjefm-69	317	3	78,774,890,000	78,774,890,000	NUM
arjefm-69	317	4	2014	2014	NUM
arjefm-69	317	5	bank3	bank3	NOUN
arjefm-69	317	6	7,326,161	7,326,161	NUM
arjefm-69	317	7	724	724	NUM
arjefm-69	317	8	10,119	10,119	NUM
arjefm-69	317	9	3,549,363,372	3,549,363,372	NUM
arjefm-69	317	10	66,294,545,000	66,294,545,000	NUM
arjefm-69	317	11	2013	2013	NUM
arjefm-69	317	12	bank3	bank3	VERB
arjefm-69	317	13	8,737,232	8,737,232	NUM
arjefm-69	317	14	742	742	NUM
arjefm-69	317	15	11,775	11,775	NUM
arjefm-69	317	16	3,464,952,933	3,464,952,933	NUM
arjefm-69	317	17	57,191,503,224	57,191,503,224	NUM
arjefm-69	317	18	2012	2012	NUM
arjefm-69	317	19	bank3	bank3	X
arjefm-69	317	20	8,934,625	8,934,625	NUM
arjefm-69	317	21	650	650	NUM
arjefm-69	317	22	13,746	13,746	NUM
arjefm-69	317	23	2,640,336,248	2,640,336,248	NUM
arjefm-69	317	24	50,021,684,138	50,021,684,138	NUM
arjefm-69	317	25	2011	2011	NUM
arjefm-69	317	26	bank3	bank3	VERB
arjefm-69	317	27	7,467,211	7,467,211	NUM
arjefm-69	317	28	657	657	NUM
arjefm-69	317	29	11,366	11,366	NUM
arjefm-69	317	30	2,081,190,251	2,081,190,251	NUM
arjefm-69	317	31	44,468,804,901	44,468,804,901	NOUN
arjefm-69	317	32	2010	2010	NUM
arjefm-69	317	33	bank3	bank3	ADJ
arjefm-69	317	34	8,822,575	8,822,575	NUM
arjefm-69	317	35	557	557	NUM
arjefm-69	317	36	15,839	15,839	NUM
arjefm-69	317	37	1,709,121,201	1,709,121,201	NUM
arjefm-69	317	38	39,016,206,023	39,016,206,023	NUM
arjefm-69	317	39	2009	2009	NUM
arjefm-69	317	40	bank3	bank3	X
arjefm-69	317	41	5,681,241	5,681,241	NUM
arjefm-69	317	42	505	505	NUM
arjefm-69	317	43	11,250	11,250	NUM
arjefm-69	317	44	1,570,204,646	1,570,204,646	NUM
arjefm-69	317	45	32,500,502,288	32,500,502,288	NUM
arjefm-69	317	46	2008	2008	NUM
arjefm-69	317	47	bank3	bank3	VERB
arjefm-69	317	48	4,796,328	4,796,328	NUM
arjefm-69	317	49	416	416	NUM
arjefm-69	317	50	11,530	11,530	NUM
arjefm-69	317	51	1,122,713,930	1,122,713,930	NUM
arjefm-69	317	52	30,256,652,353	30,256,652,353	NUM
arjefm-69	317	53	2017	2017	NUM
arjefm-69	317	54	bank4	bank4	NOUN
arjefm-69	317	55	7,153,814	7,153,814	NUM
arjefm-69	317	56	601	601	NUM
arjefm-69	317	57	11,903	11,903	NUM
arjefm-69	317	58	1,998,089,550	1,998,089,550	NUM
arjefm-69	317	59	58,025,513,277	58,025,513,277	NUM
arjefm-69	317	60	2016	2016	NUM
arjefm-69	317	61	bank4	bank4	NOUN
arjefm-69	317	62	4,395,400	4,395,400	NUM
arjefm-69	317	63	470	470	NUM
arjefm-69	317	64	9,352	9,352	NUM
arjefm-69	317	65	1,478,537,702	1,478,537,702	NUM
arjefm-69	317	66	45,079,836,617	45,079,836,617	NUM
arjefm-69	317	67	2015	2015	NUM
arjefm-69	317	68	bank4	bank4	NOUN
arjefm-69	317	69	4,060,981	4,060,981	NUM
arjefm-69	318	1	415	415	NUM
arjefm-69	318	2	9,785	9,785	NUM
arjefm-69	318	3	925,693,203	925,693,203	NUM
arjefm-69	318	4	30,651,616,831	30,651,616,831	NUM
arjefm-69	318	5	2014	2014	NUM
arjefm-69	318	6	bank4	bank4	NOUN
arjefm-69	318	7	2,111,199	2,111,199	NUM
arjefm-69	318	8	311	311	NUM
arjefm-69	318	9	6,788	6,788	NUM
arjefm-69	318	10	654,893,931	654,893,931	NUM
arjefm-69	318	11	22,680,658,738	22,680,658,738	NUM
arjefm-69	318	12	2013	2013	NUM
arjefm-69	318	13	bank4	bank4	NOUN
arjefm-69	318	14	678,950	678,950	NUM
arjefm-69	318	15	231	231	NUM
arjefm-69	318	16	2,939	2,939	NUM
arjefm-69	318	17	458,938,092	458,938,092	NUM
arjefm-69	318	18	15,989,208,846	15,989,208,846	NUM
arjefm-69	318	19	2012	2012	NUM
arjefm-69	318	20	bank4	bank4	NOUN
arjefm-69	318	21	396,270	396,270	NUM
arjefm-69	318	22	232	232	NUM
arjefm-69	318	23	1,708	1,708	NUM
arjefm-69	318	24	189,934,364	189,934,364	NUM
arjefm-69	318	25	10,212,474,617	10,212,474,617	NUM
arjefm-69	318	26	2011	2011	NUM
arjefm-69	318	27	bank4	bank4	NOUN
arjefm-69	318	28	238,503	238,503	NUM
arjefm-69	318	29	197	197	NUM
arjefm-69	318	30	1,211	1,211	NUM
arjefm-69	318	31	241,935,219	241,935,219	NUM
arjefm-69	318	32	7,200,551,543	7,200,551,543	NUM
arjefm-69	318	33	2010	2010	NUM
arjefm-69	318	34	bank4	bank4	NOUN
arjefm-69	318	35	111,384	111,384	NUM
arjefm-69	318	36	149	149	NUM
arjefm-69	318	37	748	748	NUM
arjefm-69	318	38	135,407,713	135,407,713	NUM
arjefm-69	318	39	7,238,558,764	7,238,558,764	NUM
arjefm-69	318	40	2009	2009	NUM
arjefm-69	318	41	bank4	bank4	NOUN
arjefm-69	318	42	299,978	299,978	NUM
arjefm-69	318	43	120	120	NUM
arjefm-69	318	44	2,500	2,500	NUM
arjefm-69	318	45	78,701,459	78,701,459	NUM
arjefm-69	318	46	5,845,136,972	5,845,136,972	NUM
arjefm-69	318	47	2008	2008	NUM
arjefm-69	318	48	bank4	bank4	NOUN
arjefm-69	318	49	114,864	114,864	NUM
arjefm-69	318	50	61	61	NUM
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arjefm-69	318	52	78,701,459	78,701,459	NUM
arjefm-69	318	53	3,839,128,465	3,839,128,465	NUM
arjefm-69	318	54	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
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arjefm-69	320	16	management	management	NOUN
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arjefm-69	320	18	,	,	PUNCT
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arjefm-69	320	20	:	:	PUNCT
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arjefm-69	321	1	14	14	NUM
arjefm-69	322	1	|	|	ADV
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arjefm-69	322	3	a	a	DET
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arjefm-69	322	5	e	e	NOUN
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arjefm-69	322	7	bank5	bank5	NOUN
arjefm-69	323	1	4,471,852	4,471,852	NUM
arjefm-69	323	2	835	835	NUM
arjefm-69	323	3	5,356	5,356	NUM
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arjefm-69	323	5	91,557,768,233	91,557,768,233	NUM
arjefm-69	323	6	2016	2016	NUM
arjefm-69	323	7	bank5	bank5	VERB
arjefm-69	323	8	5,441,894	5,441,894	NUM
arjefm-69	323	9	857	857	NUM
arjefm-69	323	10	6,350	6,350	NUM
arjefm-69	323	11	2,297,520,673	2,297,520,673	NUM
arjefm-69	323	12	79,796,981,782	79,796,981,782	NUM
arjefm-69	323	13	2015	2015	NUM
arjefm-69	323	14	bank5	bank5	NOUN
arjefm-69	323	15	3,538,858	3,538,858	NUM
arjefm-69	323	16	856	856	NUM
arjefm-69	323	17	4,134	4,134	NUM
arjefm-69	323	18	679,560,515	679,560,515	NUM
arjefm-69	323	19	62,815,599,427	62,815,599,427	NUM
arjefm-69	323	20	2014	2014	NUM
arjefm-69	323	21	bank5	bank5	NOUN
arjefm-69	324	1	3,504,526	3,504,526	NUM
arjefm-69	324	2	835	835	NUM
arjefm-69	324	3	4,197	4,197	NUM
arjefm-69	324	4	982,579,118	982,579,118	NUM
arjefm-69	324	5	55,329,593,123	55,329,593,123	NUM
arjefm-69	324	6	2013	2013	NUM
arjefm-69	324	7	bank5	bank5	NOUN
arjefm-69	325	1	5,075,617	5,075,617	NUM
arjefm-69	325	2	830	830	NUM
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arjefm-69	325	5	49,526,322,948	49,526,322,948	NUM
arjefm-69	325	6	2012	2012	NUM
arjefm-69	325	7	bank5	bank5	NOUN
arjefm-69	326	1	3,659,884	3,659,884	NUM
arjefm-69	326	2	793	793	NUM
arjefm-69	326	3	4,615	4,615	NUM
arjefm-69	326	4	1,057,056,360	1,057,056,360	NUM
arjefm-69	326	5	42,584,895,177	42,584,895,177	NUM
arjefm-69	326	6	2011	2011	NUM
arjefm-69	326	7	bank5	bank5	NOUN
arjefm-69	327	1	3,184,322	3,184,322	NUM
arjefm-69	327	2	647	647	NUM
arjefm-69	327	3	4,922	4,922	NUM
arjefm-69	327	4	1,015,213,473	1,015,213,473	NUM
arjefm-69	327	5	39,545,254,061	39,545,254,061	NUM
arjefm-69	327	6	2010	2010	NUM
arjefm-69	327	7	bank5	bank5	NOUN
arjefm-69	328	1	3,176,851	3,176,851	NUM
arjefm-69	328	2	577	577	NUM
arjefm-69	328	3	5,506	5,506	NUM
arjefm-69	328	4	579,231,460	579,231,460	NUM
arjefm-69	328	5	36,049,314,954	36,049,314,954	NUM
arjefm-69	328	6	2009	2009	NUM
arjefm-69	328	7	bank5	bank5	NOUN
arjefm-69	328	8	5,538,572	5,538,572	NUM
arjefm-69	328	9	591	591	NUM
arjefm-69	328	10	9,372	9,372	NUM
arjefm-69	328	11	1,029,535,742	1,029,535,742	NUM
arjefm-69	328	12	32,628,846,005	32,628,846,005	NUM
arjefm-69	328	13	2008	2008	NUM
arjefm-69	328	14	bank5	bank5	NOUN
arjefm-69	328	15	4582364	4582364	NUM
arjefm-69	329	1	584	584	NUM
arjefm-69	329	2	7,847	7,847	NUM
arjefm-69	329	3	954,953,506	954,953,506	NUM
arjefm-69	329	4	26,006,889,740	26,006,889,740	NUM
arjefm-69	329	5	2017	2017	NUM
arjefm-69	329	6	bank6	bank6	NOUN
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arjefm-69	329	8	748	748	NUM
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arjefm-69	329	10	3,089,925,916	3,089,925,916	NUM
arjefm-69	329	11	80,133,906,000	80,133,906,000	NUM
arjefm-69	329	12	2016	2016	NUM
arjefm-69	329	13	bank6	bank6	NOUN
arjefm-69	329	14	2,169,371	2,169,371	NUM
arjefm-69	329	15	739	739	NUM
arjefm-69	329	16	2,936	2,936	NUM
arjefm-69	329	17	2,666,102,674	2,666,102,674	NUM
arjefm-69	329	18	71,827,799,000	71,827,799,000	NUM
arjefm-69	329	19	2015	2015	NUM
arjefm-69	329	20	bank6	bank6	NOUN
arjefm-69	329	21	1,112,129	1,112,129	NUM
arjefm-69	329	22	696	696	NUM
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arjefm-69	329	25	56,381,528,000	56,381,528,000	NUM
arjefm-69	329	26	2014	2014	NUM
arjefm-69	329	27	bank6	bank6	NOUN
arjefm-69	329	28	735,113	735,113	NUM
arjefm-69	329	29	696	696	NUM
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arjefm-69	329	32	50,599,467,000	50,599,467,000	NUM
arjefm-69	329	33	2013	2013	NUM
arjefm-69	329	34	bank6	bank6	NOUN
arjefm-69	329	35	1,488,497	1,488,497	NUM
arjefm-69	329	36	643	643	NUM
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arjefm-69	329	38	2,302,748,773	2,302,748,773	NUM
arjefm-69	329	39	44,793,263,000	44,793,263,000	NUM
arjefm-69	329	40	2012	2012	NUM
arjefm-69	329	41	bank6	bank6	NOUN
arjefm-69	329	42	1,938,143	1,938,143	NUM
arjefm-69	329	43	625	625	NUM
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arjefm-69	329	47	2011	2011	NUM
arjefm-69	329	48	bank6	bank6	NOUN
arjefm-69	329	49	1,198,785	1,198,785	NUM
arjefm-69	329	50	586	586	NUM
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arjefm-69	329	53	31,440,377,000	31,440,377,000	NUM
arjefm-69	329	54	2010	2010	NUM
arjefm-69	329	55	bank6	bank6	NOUN
arjefm-69	329	56	1,824,053	1,824,053	NUM
arjefm-69	329	57	568	568	NUM
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arjefm-69	329	62	bank6	bank6	NOUN
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arjefm-69	329	71	449	449	NUM
arjefm-69	329	72	5,557	5,557	NUM
arjefm-69	329	73	718,833,853	718,833,853	NUM
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arjefm-69	329	78	non	non	ADJ
arjefm-69	329	79	-	-	ADJ
arjefm-69	329	80	performing	performing	ADJ
arjefm-69	329	81	loans	loan	NOUN
arjefm-69	329	82	(	(	PUNCT
arjefm-69	329	83	npl	npl	NOUN
arjefm-69	329	84	)	)	PUNCT
arjefm-69	329	85	,	,	PUNCT
arjefm-69	329	86	liquidity	liquidity	NOUN
arjefm-69	329	87	yea	yea	NOUN
arjefm-69	329	88	r	r	NOUN
arjefm-69	329	89	bank	bank	NOUN
arjefm-69	329	90	s	s	PART
arjefm-69	329	91	capital	capital	NOUN
arjefm-69	329	92	npl	npl	PROPN
arjefm-69	329	93	total	total	ADJ
arjefm-69	329	94	assets	asset	NOUN
arjefm-69	329	95	(	(	PUNCT
arjefm-69	329	96	size	size	NOUN
arjefm-69	329	97	)	)	PUNCT
arjefm-69	329	98	liquidit	liquidit	NOUN
arjefm-69	329	99	y	y	PROPN
arjefm-69	329	100	car	car	NOUN
arjefm-69	329	101	numyear	numyear	NOUN
arjefm-69	329	102	s	s	PART
arjefm-69	330	1	2017	2017	NUM
arjefm-69	330	2	bank1	bank1	NOUN
arjefm-69	330	3	20,367,203,000.0	20,367,203,000.0	NOUN
arjefm-69	330	4	0	0	NUM
arjefm-69	331	1	0.83	0.83	NUM
arjefm-69	331	2	0	0	NUM
arjefm-69	331	3	150,818,033,55	150,818,033,55	NUM
arjefm-69	331	4	4	4	NUM
arjefm-69	331	5	10.50	10.50	NUM
arjefm-69	331	6	13.0	13.0	NUM
arjefm-69	331	7	2	2	NUM
arjefm-69	331	8	32	32	NUM
arjefm-69	331	9	2016	2016	NUM
arjefm-69	331	10	bank1	bank1	NOUN
arjefm-69	331	11	18,182,544,000.0	18,182,544,000.0	NOUN
arjefm-69	331	12	0	0	NUM
arjefm-69	332	1	0.68	0.68	NUM
arjefm-69	332	2	0	0	NUM
arjefm-69	332	3	129,782,705,31	129,782,705,31	NUM
arjefm-69	332	4	4	4	NUM
arjefm-69	332	5	7.20	7.20	NUM
arjefm-69	332	6	14.92	14.92	NUM
arjefm-69	332	7	32	32	NUM
arjefm-69	332	8	2015	2015	NUM
arjefm-69	332	9	bank1	bank1	NOUN
arjefm-69	332	10	11,754,294,000.0	11,754,294,000.0	NOUN
arjefm-69	332	11	0	0	NUM
arjefm-69	332	12	1.250	1.250	NUM
arjefm-69	332	13	104,345,436,41	104,345,436,41	NUM
arjefm-69	332	14	3	3	NUM
arjefm-69	332	15	12.00	12.00	NUM
arjefm-69	332	16	11.9	11.9	NUM
arjefm-69	332	17	32	32	NUM
arjefm-69	332	18	2014	2014	NUM
arjefm-69	332	19	bank1	bank1	NOUN
arjefm-69	333	1	8,993,849,000.00	8,993,849,000.00	NUM
arjefm-69	333	2	1.770	1.770	NUM
arjefm-69	333	3	86,173,927,574	86,173,927,574	NUM
arjefm-69	333	4	19.20	19.20	NUM
arjefm-69	333	5	11.27	11.27	NUM
arjefm-69	333	6	32	32	NUM
arjefm-69	333	7	2013	2013	NUM
arjefm-69	333	8	bank1	bank1	NOUN
arjefm-69	334	1	7,813,057,000.00	7,813,057,000.00	NUM
arjefm-69	334	2	1.910	1.910	NUM
arjefm-69	334	3	73,152,154,761	73,152,154,761	NUM
arjefm-69	334	4	16.00	16.00	NUM
arjefm-69	334	5	11.49	11.49	NUM
arjefm-69	334	6	32	32	NUM
arjefm-69	334	7	2012	2012	NUM
arjefm-69	334	8	bank1	bank1	NOUN
arjefm-69	335	1	6,963,182,000.00	6,963,182,000.00	NUM
arjefm-69	335	2	3.320	3.320	NUM
arjefm-69	335	3	65,756,231,954	65,756,231,954	NUM
arjefm-69	335	4	13.60	13.60	NUM
arjefm-69	335	5	11.1	11.1	NUM
arjefm-69	335	6	32	32	NUM
arjefm-69	335	7	2011	2011	NUM
arjefm-69	335	8	bank1	bank1	NOUN
arjefm-69	335	9	6,324,627,000.00	6,324,627,000.00	NUM
arjefm-69	335	10	0.94	0.94	NUM
arjefm-69	335	11	0	0	NUM
arjefm-69	335	12	58,356,827,501	58,356,827,501	NUM
arjefm-69	335	13	7.70	7.70	NUM
arjefm-69	335	14	10.91	10.91	NUM
arjefm-69	335	15	32	32	NUM
arjefm-69	335	16	2010	2010	NUM
arjefm-69	335	17	bank1	bank1	NOUN
arjefm-69	336	1	5,651,045,000.00	5,651,045,000.00	NUM
arjefm-69	337	1	0.62	0.62	NUM
arjefm-69	337	2	0	0	NUM
arjefm-69	337	3	57,305,413,482	57,305,413,482	NUM
arjefm-69	337	4	7.80	7.80	NUM
arjefm-69	337	5	10.55	10.55	NUM
arjefm-69	337	6	32	32	NUM
arjefm-69	337	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-69	337	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-69	337	9	american	american	PROPN
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arjefm-69	337	13	economics	economic	NOUN
arjefm-69	337	14	,	,	PUNCT
arjefm-69	337	15	finance	finance	NOUN
arjefm-69	337	16	and	and	CCONJ
arjefm-69	337	17	management	management	NOUN
arjefm-69	337	18	volume	volume	NOUN
arjefm-69	337	19	10	10	NUM
arjefm-69	337	20	issue	issue	NOUN
arjefm-69	337	21	3	3	NUM
arjefm-69	337	22	,	,	PUNCT
arjefm-69	337	23	july	july	PROPN
arjefm-69	337	24	-	-	PUNCT
arjefm-69	337	25	september	september	PROPN
arjefm-69	337	26	2022	2022	NUM
arjefm-69	337	27	issn	issn	NOUN
arjefm-69	337	28	:	:	PUNCT
arjefm-69	337	29	2836	2836	NUM
arjefm-69	337	30	-	-	SYM
arjefm-69	337	31	9416	9416	NUM
arjefm-69	337	32	impact	impact	NOUN
arjefm-69	337	33	factor	factor	NOUN
arjefm-69	337	34	:	:	PUNCT
arjefm-69	337	35	4.85	4.85	NUM
arjefm-69	337	36	journal	journal	NOUN
arjefm-69	337	37	homepage	homepage	NOUN
arjefm-69	337	38	:	:	PUNCT
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arjefm-69	337	40	,	,	PUNCT
arjefm-69	337	41	email	email	NOUN
arjefm-69	337	42	:	:	PUNCT
arjefm-69	338	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-69	338	2	official	official	ADJ
arjefm-69	338	3	journal	journal	PROPN
arjefm-69	338	4	of	of	ADP
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arjefm-69	338	6	serial	serial	PROPN
arjefm-69	338	7	publication	publication	NOUN
arjefm-69	338	8	american	american	PROPN
arjefm-69	338	9	research	research	PROPN
arjefm-69	338	10	journal	journal	PROPN
arjefm-69	338	11	of	of	ADP
arjefm-69	338	12	economics	economic	NOUN
arjefm-69	338	13	,	,	PUNCT
arjefm-69	338	14	finance	finance	NOUN
arjefm-69	338	15	and	and	CCONJ
arjefm-69	338	16	management	management	NOUN
arjefm-69	338	17	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	NOUN
arjefm-69	338	18	,	,	PUNCT
arjefm-69	338	19	email	email	NOUN
arjefm-69	338	20	:	:	PUNCT
arjefm-69	338	21	contact@americaserial.com	contact@americaserial.com	X
arjefm-69	339	1	15	15	NUM
arjefm-69	340	1	|	|	ADV
arjefm-69	340	2	p	p	X
arjefm-69	340	3	a	a	DET
arjefm-69	340	4	g	g	NOUN
arjefm-69	340	5	e	e	NOUN
arjefm-69	340	6	200	200	NUM
arjefm-69	340	7	9	9	NUM
arjefm-69	340	8	bank1	bank1	NOUN
arjefm-69	341	1	5,095,354,000.00	5,095,354,000.00	NUM
arjefm-69	341	2	0.58	0.58	NUM
arjefm-69	341	3	0	0	NUM
arjefm-69	342	1	53,010,803,126	53,010,803,126	NUM
arjefm-69	342	2	10.30	10.30	NUM
arjefm-69	342	3	11.24	11.24	NUM
arjefm-69	342	4	32	32	NUM
arjefm-69	342	5	200	200	NUM
arjefm-69	342	6	8	8	NUM
arjefm-69	342	7	bank1	bank1	NOUN
arjefm-69	342	8	3,891,236,000.00	3,891,236,000.00	NUM
arjefm-69	342	9	1.120	1.120	NUM
arjefm-69	342	10	38,873,306,084	38,873,306,084	NUM
arjefm-69	342	11	10.90	10.90	NUM
arjefm-69	342	12	11.28	11.28	NUM
arjefm-69	342	13	32	32	NUM
arjefm-69	342	14	2017	2017	NUM
arjefm-69	342	15	bank2	bank2	NOUN
arjefm-69	342	16	11,975,101,000.00	11,975,101,000.00	NUM
arjefm-69	342	17	0.190	0.190	NUM
arjefm-69	342	18	77,408,597,693	77,408,597,693	NUM
arjefm-69	342	19	19.71	19.71	NUM
arjefm-69	342	20	21.0	21.0	NUM
arjefm-69	342	21	8	8	NUM
arjefm-69	342	22	31	31	NUM
arjefm-69	342	23	2016	2016	NUM
arjefm-69	342	24	bank2	bank2	NOUN
arjefm-69	342	25	7,779,408,000.00	7,779,408,000.00	NUM
arjefm-69	342	26	0.32	0.32	NUM
arjefm-69	342	27	0	0	NUM
arjefm-69	343	1	65,185,732,479	65,185,732,479	NUM
arjefm-69	343	2	7.98	7.98	NUM
arjefm-69	343	3	16.3	16.3	NUM
arjefm-69	343	4	8	8	NUM
arjefm-69	343	5	31	31	NUM
arjefm-69	343	6	2015	2015	NUM
arjefm-69	343	7	bank2	bank2	NOUN
arjefm-69	344	1	6,111,788,000.00	6,111,788,000.00	NUM
arjefm-69	344	2	0.34	0.34	NUM
arjefm-69	344	3	0	0	NUM
arjefm-69	345	1	64,926,805,120	64,926,805,120	NUM
arjefm-69	345	2	24.03	24.03	NUM
arjefm-69	345	3	13.1	13.1	NUM
arjefm-69	345	4	31	31	NUM
arjefm-69	345	5	2014	2014	NUM
arjefm-69	345	6	bank2	bank2	NOUN
arjefm-69	345	7	5,333,516,000.00	5,333,516,000.00	NUM
arjefm-69	345	8	0.48	0.48	NUM
arjefm-69	345	9	0	0	NUM
arjefm-69	345	10	53,324,102,172	53,324,102,172	NUM
arjefm-69	345	11	21.18	21.18	NUM
arjefm-69	345	12	12.27	12.27	NUM
arjefm-69	345	13	31	31	NUM
arjefm-69	345	14	2013	2013	NUM
arjefm-69	345	15	bank2	bank2	NOUN
arjefm-69	346	1	4,828,551,000.00	4,828,551,000.00	NUM
arjefm-69	346	2	0.770	0.770	NUM
arjefm-69	346	3	45,631,100,342	45,631,100,342	NUM
arjefm-69	346	4	16.43	16.43	NUM
arjefm-69	346	5	12.54	12.54	NUM
arjefm-69	346	6	31	31	NUM
arjefm-69	346	7	2012	2012	NUM
arjefm-69	346	8	bank2	bank2	NOUN
arjefm-69	347	1	4,295,167,000.00	4,295,167,000.00	NUM
arjefm-69	347	2	0.78	0.78	NUM
arjefm-69	347	3	0	0	NUM
arjefm-69	347	4	41,677,052,360	41,677,052,360	NUM
arjefm-69	347	5	22.40	22.40	NUM
arjefm-69	347	6	13.93	13.93	NUM
arjefm-69	347	7	31	31	NUM
arjefm-69	347	8	2011	2011	NUM
arjefm-69	347	9	bank2	bank2	NOUN
arjefm-69	347	10	3,835,592,000.00	3,835,592,000.00	NUM
arjefm-69	347	11	0.62	0.62	NUM
arjefm-69	347	12	0	0	NUM
arjefm-69	347	13	43,810,519,664	43,810,519,664	NUM
arjefm-69	347	14	6.10	6.10	NUM
arjefm-69	347	15	14.22	14.22	NUM
arjefm-69	347	16	31	31	NUM
arjefm-69	347	17	2010	2010	NUM
arjefm-69	347	18	bank2	bank2	NOUN
arjefm-69	348	1	3,498,973,000.00	3,498,973,000.00	NUM
arjefm-69	348	2	0.610	0.610	NUM
arjefm-69	348	3	40,213,319,926	40,213,319,926	NOUN
arjefm-69	348	4	6.74	6.74	NUM
arjefm-69	348	5	14.51	14.51	NUM
arjefm-69	348	6	31	31	NUM
arjefm-69	348	7	200	200	NUM
arjefm-69	348	8	9	9	NUM
arjefm-69	348	9	bank2	bank2	NOUN
arjefm-69	348	10	3,190,367,000.00	3,190,367,000.00	NUM
arjefm-69	348	11	0.66	0.66	NUM
arjefm-69	348	12	0	0	NUM
arjefm-69	349	1	40,587,468,00	40,587,468,00	NUM
arjefm-69	350	1	9	9	NUM
arjefm-69	350	2	8.18	8.18	NUM
arjefm-69	350	3	14.7	14.7	NUM
arjefm-69	350	4	31	31	NUM
arjefm-69	350	5	200	200	NUM
arjefm-69	350	6	8	8	NUM
arjefm-69	350	7	bank2	bank2	NOUN
arjefm-69	350	8	2,630,900,636.00	2,630,900,636.00	NUM
arjefm-69	350	9	0.92	0.92	NUM
arjefm-69	350	10	0	0	NUM
arjefm-69	350	11	33,335,788,326	33,335,788,326	NUM
arjefm-69	350	12	5.84	5.84	NUM
arjefm-69	350	13	13.15	13.15	NUM
arjefm-69	350	14	31	31	NUM
arjefm-69	350	15	2017	2017	NUM
arjefm-69	350	16	bank3	bank3	ADJ
arjefm-69	350	17	14,752,639,000.0	14,752,639,000.0	NOUN
arjefm-69	350	18	0	0	NUM
arjefm-69	350	19	0.790	0.790	NUM
arjefm-69	350	20	140,332,060,18	140,332,060,18	NUM
arjefm-69	350	21	2	2	NUM
arjefm-69	350	22	10.02	10.02	NUM
arjefm-69	350	23	12.42	12.42	NUM
arjefm-69	350	24	36	36	NUM
arjefm-69	350	25	2016	2016	NUM
arjefm-69	350	26	bank3	bank3	ADJ
arjefm-69	350	27	12,203,615,000.0	12,203,615,000.0	NOUN
arjefm-69	350	28	0	0	NUM
arjefm-69	351	1	1.140	1.140	NUM
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arjefm-69	351	3	3	3	NUM
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arjefm-69	351	6	36	36	NUM
arjefm-69	351	7	2015	2015	NUM
arjefm-69	351	8	bank3	bank3	ADJ
arjefm-69	351	9	10,154,456,184.00	10,154,456,184.00	NUM
arjefm-69	352	1	1.830	1.830	NUM
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arjefm-69	352	3	14.15	14.15	NUM
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arjefm-69	352	5	36	36	NUM
arjefm-69	352	6	2014	2014	NUM
arjefm-69	352	7	bank3	bank3	VERB
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arjefm-69	353	1	2.230	2.230	NUM
arjefm-69	353	2	87,274,545,920	87,274,545,920	NUM
arjefm-69	353	3	11.32	11.32	NUM
arjefm-69	353	4	11.24	11.24	NUM
arjefm-69	353	5	36	36	NUM
arjefm-69	353	6	2013	2013	NUM
arjefm-69	353	7	bank3	bank3	VERB
arjefm-69	353	8	7,364,514,686.00	7,364,514,686.00	NUM
arjefm-69	354	1	2.130	2.130	NUM
arjefm-69	354	2	73,343,593,148	73,343,593,148	NUM
arjefm-69	354	3	9.32	9.32	NUM
arjefm-69	354	4	11.59	11.59	NUM
arjefm-69	354	5	36	36	NUM
arjefm-69	354	6	2012	2012	NUM
arjefm-69	354	7	bank3	bank3	VERB
arjefm-69	354	8	6,086,741,224.00	6,086,741,224.00	NUM
arjefm-69	355	1	2.330	2.330	NUM
arjefm-69	355	2	63,250,488,220	63,250,488,220	NUM
arjefm-69	355	3	8.60	8.60	NUM
arjefm-69	355	4	11.01	11.01	NUM
arjefm-69	355	5	36	36	NUM
arjefm-69	355	6	2011	2011	NUM
arjefm-69	355	7	bank3	bank3	X
arjefm-69	355	8	5,173,399,192.00	5,173,399,192.00	NUM
arjefm-69	356	1	1.770	1.770	NUM
arjefm-69	356	2	58,099,619,842	58,099,619,842	NUM
arjefm-69	356	3	4.90	4.90	NUM
arjefm-69	356	4	10.5	10.5	NUM
arjefm-69	356	5	8	8	NUM
arjefm-69	356	6	36	36	NUM
arjefm-69	356	7	2010	2010	NUM
arjefm-69	356	8	bank3	bank3	VERB
arjefm-69	356	9	4,390,228,607.00	4,390,228,607.00	NUM
arjefm-69	356	10	1.480	1.480	NUM
arjefm-69	356	11	52,079,725,697	52,079,725,697	NUM
arjefm-69	356	12	3.02	3.02	NUM
arjefm-69	356	13	10.5	10.5	NUM
arjefm-69	356	14	36	36	NUM
arjefm-69	356	15	200	200	NUM
arjefm-69	356	16	9	9	NUM
arjefm-69	356	17	bank3	bank3	ADJ
arjefm-69	357	1	3,727,082,787.00	3,727,082,787.00	NUM
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arjefm-69	357	3	0	0	NUM
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arjefm-69	358	60	:	:	PUNCT
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arjefm-69	362	43	bank4	bank4	NOUN
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arjefm-69	364	16	bank5	bank5	PUNCT
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arjefm-69	365	9	bank5	bank5	NOUN
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