id	sid	tid	token	lemma	pos
arjefm-85	1	1	american	american	PROPN
arjefm-85	1	2	research	research	PROPN
arjefm-85	1	3	journal	journal	PROPN
arjefm-85	1	4	of	of	ADP
arjefm-85	1	5	economics	economic	NOUN
arjefm-85	1	6	,	,	PUNCT
arjefm-85	1	7	finance	finance	NOUN
arjefm-85	1	8	and	and	CCONJ
arjefm-85	1	9	management	management	NOUN
arjefm-85	1	10	volume	volume	NOUN
arjefm-85	1	11	12	12	NUM
arjefm-85	1	12	issue	issue	NOUN
arjefm-85	1	13	1	1	NUM
arjefm-85	1	14	,	,	PUNCT
arjefm-85	1	15	january	january	PROPN
arjefm-85	1	16	-	-	PUNCT
arjefm-85	1	17	february	february	PROPN
arjefm-85	1	18	2024	2024	NUM
arjefm-85	1	19	issn	issn	NOUN
arjefm-85	1	20	:	:	PUNCT
arjefm-85	1	21	2836	2836	NUM
arjefm-85	1	22	-	-	SYM
arjefm-85	1	23	9416	9416	NUM
arjefm-85	1	24	impact	impact	NOUN
arjefm-85	1	25	factor	factor	NOUN
arjefm-85	1	26	:	:	PUNCT
arjefm-85	1	27	5.57	5.57	NUM
arjefm-85	1	28	journal	journal	NOUN
arjefm-85	1	29	homepage	homepage	NOUN
arjefm-85	1	30	:	:	PUNCT
arjefm-85	1	31	https://	https://	PROPN
arjefm-85	1	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	1	33	,	,	PUNCT
arjefm-85	1	34	email	email	NOUN
arjefm-85	1	35	:	:	PUNCT
arjefm-85	1	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	1	37	official	official	ADJ
arjefm-85	1	38	journal	journal	PROPN
arjefm-85	1	39	of	of	ADP
arjefm-85	1	40	america	america	PROPN
arjefm-85	1	41	serial	serial	PROPN
arjefm-85	1	42	publication	publication	NOUN
arjefm-85	1	43	advanced	advanced	ADJ
arjefm-85	1	44	journal	journal	NOUN
arjefm-85	1	45	of	of	ADP
arjefm-85	1	46	economics	economic	NOUN
arjefm-85	1	47	and	and	CCONJ
arjefm-85	1	48	business	business	NOUN
arjefm-85	1	49	research	research	NOUN
arjefm-85	1	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	1	51	,	,	PUNCT
arjefm-85	1	52	email	email	NOUN
arjefm-85	1	53	:	:	PUNCT
arjefm-85	1	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	2	1	46	46	NUM
arjefm-85	3	1	|	|	ADV
arjefm-85	3	2	p	p	X
arjefm-85	3	3	a	a	DET
arjefm-85	3	4	g	g	NOUN
arjefm-85	3	5	e	e	NOUN
arjefm-85	3	6	striking	strike	VERB
arjefm-85	3	7	a	a	DET
arjefm-85	3	8	balance	balance	NOUN
arjefm-85	3	9	:	:	PUNCT
arjefm-85	3	10	capital	capital	NOUN
arjefm-85	3	11	,	,	PUNCT
arjefm-85	3	12	risk	risk	NOUN
arjefm-85	3	13	,	,	PUNCT
arjefm-85	3	14	and	and	CCONJ
arjefm-85	3	15	efficiency	efficiency	NOUN
arjefm-85	3	16	in	in	ADP
arjefm-85	3	17	the	the	DET
arjefm-85	3	18	evolution	evolution	NOUN
arjefm-85	3	19	of	of	ADP
arjefm-85	3	20	cameroonian	cameroonian	PROPN
arjefm-85	3	21	banking	banking	PROPN
arjefm-85	3	22	1samuel	1samuel	PROPN
arjefm-85	3	23	emmanuel	emmanuel	PROPN
arjefm-85	3	24	mbong	mbong	PROPN
arjefm-85	3	25	,	,	PUNCT
arjefm-85	3	26	2felicity	2felicity	NUM
arjefm-85	3	27	amina	amina	PROPN
arjefm-85	3	28	tchinda	tchinda	NOUN
arjefm-85	3	29	1,2department	1,2department	NUM
arjefm-85	3	30	of	of	ADP
arjefm-85	3	31	monetary	monetary	ADJ
arjefm-85	3	32	economics	economic	NOUN
arjefm-85	3	33	and	and	CCONJ
arjefm-85	3	34	banking	banking	NOUN
arjefm-85	3	35	,	,	PUNCT
arjefm-85	3	36	faculty	faculty	NOUN
arjefm-85	3	37	of	of	ADP
arjefm-85	3	38	economics	economic	NOUN
arjefm-85	3	39	and	and	CCONJ
arjefm-85	3	40	management	management	NOUN
arjefm-85	3	41	,	,	PUNCT
arjefm-85	3	42	university	university	NOUN
arjefm-85	3	43	of	of	ADP
arjefm-85	3	44	ngaoundéré	ngaoundéré	PROPN
arjefm-85	3	45	,	,	PUNCT
arjefm-85	3	46	cameroon	cameroon	PROPN
arjefm-85	3	47	.	.	PUNCT
arjefm-85	4	1	doi	doi	PROPN
arjefm-85	4	2	:	:	PUNCT
arjefm-85	4	3	https://doi.org/10.5281/zenodo.10619106	https://doi.org/10.5281/zenodo.10619106	PROPN
arjefm-85	4	4	abstract	abstract	PROPN
arjefm-85	4	5	:	:	PUNCT
arjefm-85	5	1	cameroon	cameroon	PROPN
arjefm-85	5	2	,	,	PUNCT
arjefm-85	5	3	a	a	DET
arjefm-85	5	4	member	member	NOUN
arjefm-85	5	5	of	of	ADP
arjefm-85	5	6	the	the	DET
arjefm-85	5	7	community	community	NOUN
arjefm-85	5	8	of	of	ADP
arjefm-85	5	9	central	central	ADJ
arjefm-85	5	10	african	african	ADJ
arjefm-85	5	11	states	state	NOUN
arjefm-85	5	12	(	(	PUNCT
arjefm-85	5	13	cemac	cemac	NUM
arjefm-85	5	14	)	)	PUNCT
arjefm-85	5	15	,	,	PUNCT
arjefm-85	5	16	underwent	undergo	VERB
arjefm-85	5	17	transformative	transformative	ADJ
arjefm-85	5	18	financial	financial	ADJ
arjefm-85	5	19	reforms	reform	NOUN
arjefm-85	5	20	during	during	ADP
arjefm-85	5	21	the	the	DET
arjefm-85	5	22	1990s	1990	NOUN
arjefm-85	5	23	in	in	ADP
arjefm-85	5	24	response	response	NOUN
arjefm-85	5	25	to	to	ADP
arjefm-85	5	26	the	the	DET
arjefm-85	5	27	economic	economic	ADJ
arjefm-85	5	28	and	and	CCONJ
arjefm-85	5	29	banking	banking	NOUN
arjefm-85	5	30	crisis	crisis	NOUN
arjefm-85	5	31	of	of	ADP
arjefm-85	5	32	the	the	DET
arjefm-85	5	33	late	late	ADJ
arjefm-85	5	34	1980s	1980	NOUN
arjefm-85	5	35	and	and	CCONJ
arjefm-85	5	36	the	the	DET
arjefm-85	5	37	structural	structural	ADJ
arjefm-85	5	38	adjustment	adjustment	NOUN
arjefm-85	5	39	program	program	NOUN
arjefm-85	5	40	(	(	PUNCT
arjefm-85	5	41	sap	sap	PROPN
arjefm-85	5	42	)	)	PUNCT
arjefm-85	5	43	initiated	initiate	VERB
arjefm-85	5	44	under	under	ADP
arjefm-85	5	45	the	the	DET
arjefm-85	5	46	influence	influence	NOUN
arjefm-85	5	47	of	of	ADP
arjefm-85	5	48	the	the	DET
arjefm-85	5	49	international	international	ADJ
arjefm-85	5	50	monetary	monetary	ADJ
arjefm-85	5	51	fund	fund	NOUN
arjefm-85	5	52	(	(	PUNCT
arjefm-85	5	53	imf	imf	PROPN
arjefm-85	5	54	)	)	PUNCT
arjefm-85	5	55	.	.	PUNCT
arjefm-85	6	1	these	these	DET
arjefm-85	6	2	reforms	reform	NOUN
arjefm-85	6	3	,	,	PUNCT
arjefm-85	6	4	positioned	position	VERB
arjefm-85	6	5	as	as	ADP
arjefm-85	6	6	a	a	DET
arjefm-85	6	7	strategic	strategic	ADJ
arjefm-85	6	8	component	component	NOUN
arjefm-85	6	9	of	of	ADP
arjefm-85	6	10	the	the	DET
arjefm-85	6	11	sap	sap	PROPN
arjefm-85	6	12	,	,	PUNCT
arjefm-85	6	13	aimed	aim	VERB
arjefm-85	6	14	to	to	PART
arjefm-85	6	15	cultivate	cultivate	VERB
arjefm-85	6	16	more	more	ADV
arjefm-85	6	17	efficient	efficient	ADJ
arjefm-85	6	18	,	,	PUNCT
arjefm-85	6	19	resilient	resilient	ADJ
arjefm-85	6	20	,	,	PUNCT
arjefm-85	6	21	and	and	CCONJ
arjefm-85	6	22	extensive	extensive	ADJ
arjefm-85	6	23	financial	financial	ADJ
arjefm-85	6	24	systems	system	NOUN
arjefm-85	6	25	.	.	PUNCT
arjefm-85	7	1	advocates	advocate	NOUN
arjefm-85	7	2	of	of	ADP
arjefm-85	7	3	these	these	DET
arjefm-85	7	4	measures	measure	NOUN
arjefm-85	7	5	envisioned	envision	VERB
arjefm-85	7	6	substantial	substantial	ADJ
arjefm-85	7	7	economic	economic	ADJ
arjefm-85	7	8	benefits	benefit	NOUN
arjefm-85	7	9	,	,	PUNCT
arjefm-85	7	10	envisioning	envision	VERB
arjefm-85	7	11	enhanced	enhance	VERB
arjefm-85	7	12	bank	bank	NOUN
arjefm-85	7	13	efficiency	efficiency	NOUN
arjefm-85	7	14	and	and	CCONJ
arjefm-85	7	15	effectiveness	effectiveness	NOUN
arjefm-85	7	16	for	for	ADP
arjefm-85	7	17	a	a	DET
arjefm-85	7	18	more	more	ADV
arjefm-85	7	19	proficient	proficient	ADJ
arjefm-85	7	20	mobilization	mobilization	NOUN
arjefm-85	7	21	and	and	CCONJ
arjefm-85	7	22	allocation	allocation	NOUN
arjefm-85	7	23	of	of	ADP
arjefm-85	7	24	resources	resource	NOUN
arjefm-85	7	25	across	across	ADP
arjefm-85	7	26	diverse	diverse	ADJ
arjefm-85	7	27	economic	economic	ADJ
arjefm-85	7	28	activities	activity	NOUN
arjefm-85	7	29	.	.	PUNCT
arjefm-85	8	1	this	this	DET
arjefm-85	8	2	study	study	NOUN
arjefm-85	8	3	delves	delve	VERB
arjefm-85	8	4	into	into	ADP
arjefm-85	8	5	the	the	DET
arjefm-85	8	6	multifaceted	multifaceted	ADJ
arjefm-85	8	7	reforms	reform	NOUN
arjefm-85	8	8	executed	execute	VERB
arjefm-85	8	9	in	in	ADP
arjefm-85	8	10	cameroon	cameroon	NOUN
arjefm-85	8	11	,	,	PUNCT
arjefm-85	8	12	emphasizing	emphasize	VERB
arjefm-85	8	13	their	their	PRON
arjefm-85	8	14	focal	focal	ADJ
arjefm-85	8	15	points	point	NOUN
arjefm-85	8	16	on	on	ADP
arjefm-85	8	17	governance	governance	NOUN
arjefm-85	8	18	,	,	PUNCT
arjefm-85	8	19	risk	risk	NOUN
arjefm-85	8	20	management	management	NOUN
arjefm-85	8	21	,	,	PUNCT
arjefm-85	8	22	and	and	CCONJ
arjefm-85	8	23	banking	banking	NOUN
arjefm-85	8	24	efficiency	efficiency	NOUN
arjefm-85	8	25	.	.	PUNCT
arjefm-85	9	1	the	the	DET
arjefm-85	9	2	key	key	ADJ
arjefm-85	9	3	components	component	NOUN
arjefm-85	9	4	included	include	VERB
arjefm-85	9	5	financial	financial	ADJ
arjefm-85	9	6	deregulation	deregulation	NOUN
arjefm-85	9	7	,	,	PUNCT
arjefm-85	9	8	restructuring	restructuring	NOUN
arjefm-85	9	9	of	of	ADP
arjefm-85	9	10	banks	bank	NOUN
arjefm-85	9	11	,	,	PUNCT
arjefm-85	9	12	and	and	CCONJ
arjefm-85	9	13	bolstering	bolster	VERB
arjefm-85	9	14	capitalization	capitalization	NOUN
arjefm-85	9	15	to	to	PART
arjefm-85	9	16	fortify	fortify	VERB
arjefm-85	9	17	banking	banking	NOUN
arjefm-85	9	18	soundness	soundness	NOUN
arjefm-85	9	19	.	.	PUNCT
arjefm-85	10	1	the	the	DET
arjefm-85	10	2	primary	primary	ADJ
arjefm-85	10	3	goal	goal	NOUN
arjefm-85	10	4	was	be	AUX
arjefm-85	10	5	to	to	PART
arjefm-85	10	6	foster	foster	VERB
arjefm-85	10	7	an	an	DET
arjefm-85	10	8	environment	environment	NOUN
arjefm-85	10	9	conducive	conducive	ADJ
arjefm-85	10	10	to	to	ADP
arjefm-85	10	11	improved	improve	VERB
arjefm-85	10	12	economic	economic	ADJ
arjefm-85	10	13	performance	performance	NOUN
arjefm-85	10	14	and	and	CCONJ
arjefm-85	10	15	resource	resource	NOUN
arjefm-85	10	16	allocation	allocation	NOUN
arjefm-85	10	17	.	.	PUNCT
arjefm-85	11	1	over	over	ADP
arjefm-85	11	2	the	the	DET
arjefm-85	11	3	ensuing	ensue	VERB
arjefm-85	11	4	decades	decade	NOUN
arjefm-85	11	5	,	,	PUNCT
arjefm-85	11	6	these	these	DET
arjefm-85	11	7	initiatives	initiative	NOUN
arjefm-85	11	8	induced	induce	VERB
arjefm-85	11	9	profound	profound	ADJ
arjefm-85	11	10	structural	structural	ADJ
arjefm-85	11	11	and	and	CCONJ
arjefm-85	11	12	institutional	institutional	ADJ
arjefm-85	11	13	shifts	shift	NOUN
arjefm-85	11	14	within	within	ADP
arjefm-85	11	15	cameroon	cameroon	NOUN
arjefm-85	11	16	's	's	PART
arjefm-85	11	17	banking	banking	NOUN
arjefm-85	11	18	sector	sector	NOUN
arjefm-85	11	19	,	,	PUNCT
arjefm-85	11	20	reshaping	reshape	VERB
arjefm-85	11	21	the	the	DET
arjefm-85	11	22	governance	governance	NOUN
arjefm-85	11	23	landscape	landscape	NOUN
arjefm-85	11	24	for	for	ADP
arjefm-85	11	25	banks	bank	NOUN
arjefm-85	11	26	operating	operate	VERB
arjefm-85	11	27	in	in	ADP
arjefm-85	11	28	the	the	DET
arjefm-85	11	29	country	country	NOUN
arjefm-85	11	30	.	.	PUNCT
arjefm-85	12	1	the	the	DET
arjefm-85	12	2	analysis	analysis	NOUN
arjefm-85	12	3	traverses	traverse	VERB
arjefm-85	12	4	the	the	DET
arjefm-85	12	5	evolution	evolution	NOUN
arjefm-85	12	6	of	of	ADP
arjefm-85	12	7	the	the	DET
arjefm-85	12	8	banking	banking	NOUN
arjefm-85	12	9	industry	industry	NOUN
arjefm-85	12	10	in	in	ADP
arjefm-85	12	11	cameroon	cameroon	NOUN
arjefm-85	12	12	,	,	PUNCT
arjefm-85	12	13	meticulously	meticulously	ADV
arjefm-85	12	14	examining	examine	VERB
arjefm-85	12	15	the	the	DET
arjefm-85	12	16	impacts	impact	NOUN
arjefm-85	12	17	of	of	ADP
arjefm-85	12	18	the	the	DET
arjefm-85	12	19	implemented	implement	VERB
arjefm-85	12	20	reforms	reform	NOUN
arjefm-85	12	21	.	.	PUNCT
arjefm-85	13	1	it	it	PRON
arjefm-85	13	2	scrutinizes	scrutinize	VERB
arjefm-85	13	3	the	the	DET
arjefm-85	13	4	alterations	alteration	NOUN
arjefm-85	13	5	in	in	ADP
arjefm-85	13	6	governance	governance	NOUN
arjefm-85	13	7	structures	structure	NOUN
arjefm-85	13	8	,	,	PUNCT
arjefm-85	13	9	risk	risk	NOUN
arjefm-85	13	10	management	management	NOUN
arjefm-85	13	11	practices	practice	NOUN
arjefm-85	13	12	,	,	PUNCT
arjefm-85	13	13	and	and	CCONJ
arjefm-85	13	14	overall	overall	ADJ
arjefm-85	13	15	efficiency	efficiency	NOUN
arjefm-85	13	16	within	within	ADP
arjefm-85	13	17	the	the	DET
arjefm-85	13	18	banking	banking	NOUN
arjefm-85	13	19	sector	sector	NOUN
arjefm-85	13	20	.	.	PUNCT
arjefm-85	14	1	the	the	DET
arjefm-85	14	2	study	study	NOUN
arjefm-85	14	3	unfolds	unfold	VERB
arjefm-85	14	4	the	the	DET
arjefm-85	14	5	dynamics	dynamic	NOUN
arjefm-85	14	6	of	of	ADP
arjefm-85	14	7	financial	financial	ADJ
arjefm-85	14	8	deregulation	deregulation	NOUN
arjefm-85	14	9	,	,	PUNCT
arjefm-85	14	10	the	the	DET
arjefm-85	14	11	restructuring	restructuring	NOUN
arjefm-85	14	12	of	of	ADP
arjefm-85	14	13	banks	bank	NOUN
arjefm-85	14	14	,	,	PUNCT
arjefm-85	14	15	and	and	CCONJ
arjefm-85	14	16	enhanced	enhance	VERB
arjefm-85	14	17	capitalization	capitalization	NOUN
arjefm-85	14	18	as	as	ADP
arjefm-85	14	19	integral	integral	ADJ
arjefm-85	14	20	components	component	NOUN
arjefm-85	14	21	influencing	influence	VERB
arjefm-85	14	22	the	the	DET
arjefm-85	14	23	soundness	soundness	NOUN
arjefm-85	14	24	and	and	CCONJ
arjefm-85	14	25	efficacy	efficacy	NOUN
arjefm-85	14	26	of	of	ADP
arjefm-85	14	27	banking	banking	NOUN
arjefm-85	14	28	operations	operation	NOUN
arjefm-85	14	29	in	in	ADP
arjefm-85	14	30	cameroon	cameroon	NOUN
arjefm-85	14	31	.	.	PUNCT
arjefm-85	15	1	as	as	SCONJ
arjefm-85	15	2	the	the	DET
arjefm-85	15	3	financial	financial	ADJ
arjefm-85	15	4	landscape	landscape	NOUN
arjefm-85	15	5	of	of	ADP
arjefm-85	15	6	cameroon	cameroon	PROPN
arjefm-85	15	7	evolved	evolve	VERB
arjefm-85	15	8	,	,	PUNCT
arjefm-85	15	9	this	this	DET
arjefm-85	15	10	study	study	NOUN
arjefm-85	15	11	underscores	underscore	VERB
arjefm-85	15	12	the	the	DET
arjefm-85	15	13	intricate	intricate	ADJ
arjefm-85	15	14	interplay	interplay	NOUN
arjefm-85	15	15	of	of	ADP
arjefm-85	15	16	governance	governance	NOUN
arjefm-85	15	17	,	,	PUNCT
arjefm-85	15	18	risk	risk	NOUN
arjefm-85	15	19	management	management	NOUN
arjefm-85	15	20	,	,	PUNCT
arjefm-85	15	21	and	and	CCONJ
arjefm-85	15	22	efficiency	efficiency	NOUN
arjefm-85	15	23	in	in	ADP
arjefm-85	15	24	shaping	shape	VERB
arjefm-85	15	25	the	the	DET
arjefm-85	15	26	trajectory	trajectory	NOUN
arjefm-85	15	27	of	of	ADP
arjefm-85	15	28	the	the	DET
arjefm-85	15	29	banking	banking	NOUN
arjefm-85	15	30	industry	industry	NOUN
arjefm-85	15	31	.	.	PUNCT
arjefm-85	16	1	by	by	ADP
arjefm-85	16	2	elucidating	elucidate	VERB
arjefm-85	16	3	the	the	DET
arjefm-85	16	4	transformative	transformative	ADJ
arjefm-85	16	5	journey	journey	NOUN
arjefm-85	16	6	propelled	propel	VERB
arjefm-85	16	7	by	by	ADP
arjefm-85	16	8	these	these	DET
arjefm-85	16	9	reforms	reform	NOUN
arjefm-85	16	10	,	,	PUNCT
arjefm-85	16	11	the	the	DET
arjefm-85	16	12	study	study	NOUN
arjefm-85	16	13	contributes	contribute	VERB
arjefm-85	16	14	to	to	ADP
arjefm-85	16	15	a	a	DET
arjefm-85	16	16	nuanced	nuanced	ADJ
arjefm-85	16	17	understanding	understanding	NOUN
arjefm-85	16	18	of	of	ADP
arjefm-85	16	19	the	the	DET
arjefm-85	16	20	economic	economic	ADJ
arjefm-85	16	21	and	and	CCONJ
arjefm-85	16	22	institutional	institutional	ADJ
arjefm-85	16	23	shifts	shift	NOUN
arjefm-85	16	24	that	that	PRON
arjefm-85	16	25	have	have	AUX
arjefm-85	16	26	defined	define	VERB
arjefm-85	16	27	cameroon	cameroon	NOUN
arjefm-85	16	28	's	's	PART
arjefm-85	16	29	banking	banking	NOUN
arjefm-85	16	30	sector	sector	NOUN
arjefm-85	16	31	in	in	ADP
arjefm-85	16	32	the	the	DET
arjefm-85	16	33	wake	wake	NOUN
arjefm-85	16	34	of	of	ADP
arjefm-85	16	35	the	the	DET
arjefm-85	16	36	1990s	1990	NOUN
arjefm-85	16	37	financial	financial	ADJ
arjefm-85	16	38	reforms	reform	NOUN
arjefm-85	16	39	.	.	PUNCT
arjefm-85	17	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	17	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	18	1	american	american	PROPN
arjefm-85	18	2	research	research	PROPN
arjefm-85	18	3	journal	journal	PROPN
arjefm-85	18	4	of	of	ADP
arjefm-85	18	5	economics	economic	NOUN
arjefm-85	18	6	,	,	PUNCT
arjefm-85	18	7	finance	finance	NOUN
arjefm-85	18	8	and	and	CCONJ
arjefm-85	18	9	management	management	NOUN
arjefm-85	18	10	volume	volume	NOUN
arjefm-85	18	11	12	12	NUM
arjefm-85	18	12	issue	issue	NOUN
arjefm-85	18	13	1	1	NUM
arjefm-85	18	14	,	,	PUNCT
arjefm-85	18	15	january	january	PROPN
arjefm-85	18	16	-	-	PUNCT
arjefm-85	18	17	february	february	PROPN
arjefm-85	18	18	2024	2024	NUM
arjefm-85	18	19	issn	issn	NOUN
arjefm-85	18	20	:	:	PUNCT
arjefm-85	18	21	2836	2836	NUM
arjefm-85	18	22	-	-	SYM
arjefm-85	18	23	9416	9416	NUM
arjefm-85	18	24	impact	impact	NOUN
arjefm-85	18	25	factor	factor	NOUN
arjefm-85	18	26	:	:	PUNCT
arjefm-85	18	27	5.57	5.57	NUM
arjefm-85	18	28	journal	journal	NOUN
arjefm-85	18	29	homepage	homepage	NOUN
arjefm-85	18	30	:	:	PUNCT
arjefm-85	18	31	https://	https://	PROPN
arjefm-85	18	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	18	33	,	,	PUNCT
arjefm-85	18	34	email	email	NOUN
arjefm-85	18	35	:	:	PUNCT
arjefm-85	18	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	18	37	official	official	ADJ
arjefm-85	18	38	journal	journal	PROPN
arjefm-85	18	39	of	of	ADP
arjefm-85	18	40	america	america	PROPN
arjefm-85	18	41	serial	serial	PROPN
arjefm-85	18	42	publication	publication	NOUN
arjefm-85	18	43	advanced	advanced	ADJ
arjefm-85	18	44	journal	journal	NOUN
arjefm-85	18	45	of	of	ADP
arjefm-85	18	46	economics	economic	NOUN
arjefm-85	18	47	and	and	CCONJ
arjefm-85	18	48	business	business	NOUN
arjefm-85	18	49	research	research	NOUN
arjefm-85	18	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	18	51	,	,	PUNCT
arjefm-85	18	52	email	email	NOUN
arjefm-85	18	53	:	:	PUNCT
arjefm-85	18	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	19	1	47	47	NUM
arjefm-85	20	1	|	|	ADV
arjefm-85	20	2	p	p	X
arjefm-85	20	3	a	a	DET
arjefm-85	20	4	g	g	NOUN
arjefm-85	20	5	e	e	NOUN
arjefm-85	20	6	keywords	keyword	NOUN
arjefm-85	20	7	:	:	PUNCT
arjefm-85	20	8	financial	financial	ADJ
arjefm-85	20	9	reforms	reform	NOUN
arjefm-85	20	10	,	,	PUNCT
arjefm-85	20	11	banking	banking	NOUN
arjefm-85	20	12	industry	industry	NOUN
arjefm-85	20	13	,	,	PUNCT
arjefm-85	20	14	governance	governance	NOUN
arjefm-85	20	15	,	,	PUNCT
arjefm-85	20	16	risk	risk	NOUN
arjefm-85	20	17	management	management	NOUN
arjefm-85	20	18	,	,	PUNCT
arjefm-85	20	19	economic	economic	ADJ
arjefm-85	20	20	transformation	transformation	NOUN
arjefm-85	20	21	introduction	introduction	NOUN
arjefm-85	20	22	cameroon	cameroon	NOUN
arjefm-85	20	23	is	be	AUX
arjefm-85	20	24	an	an	DET
arjefm-85	20	25	african	african	ADJ
arjefm-85	20	26	country	country	NOUN
arjefm-85	20	27	belonging	belong	VERB
arjefm-85	20	28	to	to	ADP
arjefm-85	20	29	the	the	DET
arjefm-85	20	30	community	community	NOUN
arjefm-85	20	31	of	of	ADP
arjefm-85	20	32	central	central	ADJ
arjefm-85	20	33	african	african	ADJ
arjefm-85	20	34	states	state	NOUN
arjefm-85	20	35	(	(	PUNCT
arjefm-85	20	36	cemac	cemac	NUM
arjefm-85	20	37	)	)	PUNCT
arjefm-85	20	38	.	.	PUNCT
arjefm-85	21	1	following	follow	VERB
arjefm-85	21	2	the	the	DET
arjefm-85	21	3	economic	economic	ADJ
arjefm-85	21	4	and	and	CCONJ
arjefm-85	21	5	banking	banking	NOUN
arjefm-85	21	6	crisis	crisis	NOUN
arjefm-85	21	7	at	at	ADP
arjefm-85	21	8	the	the	DET
arjefm-85	21	9	end	end	NOUN
arjefm-85	21	10	of	of	ADP
arjefm-85	21	11	the	the	DET
arjefm-85	21	12	1980s	1980	NOUN
arjefm-85	21	13	and	and	CCONJ
arjefm-85	21	14	as	as	ADP
arjefm-85	21	15	a	a	DET
arjefm-85	21	16	component	component	NOUN
arjefm-85	21	17	of	of	ADP
arjefm-85	21	18	the	the	DET
arjefm-85	21	19	structural	structural	ADJ
arjefm-85	21	20	adjustment	adjustment	NOUN
arjefm-85	21	21	program	program	NOUN
arjefm-85	21	22	(	(	PUNCT
arjefm-85	21	23	sap	sap	PROPN
arjefm-85	21	24	)	)	PUNCT
arjefm-85	21	25	implemented	implement	VERB
arjefm-85	21	26	mostly	mostly	ADV
arjefm-85	21	27	in	in	ADP
arjefm-85	21	28	response	response	NOUN
arjefm-85	21	29	to	to	ADP
arjefm-85	21	30	the	the	DET
arjefm-85	21	31	external	external	ADJ
arjefm-85	21	32	pressure	pressure	NOUN
arjefm-85	21	33	of	of	ADP
arjefm-85	21	34	the	the	DET
arjefm-85	21	35	international	international	ADJ
arjefm-85	21	36	monetary	monetary	ADJ
arjefm-85	21	37	fund	fund	NOUN
arjefm-85	21	38	(	(	PUNCT
arjefm-85	21	39	imf	imf	PROPN
arjefm-85	21	40	)	)	PUNCT
arjefm-85	21	41	,	,	PUNCT
arjefm-85	21	42	this	this	DET
arjefm-85	21	43	country	country	NOUN
arjefm-85	21	44	underwent	undergo	VERB
arjefm-85	21	45	financial	financial	ADJ
arjefm-85	21	46	reforms	reform	NOUN
arjefm-85	21	47	during	during	ADP
arjefm-85	21	48	the	the	DET
arjefm-85	21	49	1990s	1990s	NUM
arjefm-85	21	50	.	.	PUNCT
arjefm-85	22	1	these	these	DET
arjefm-85	22	2	reforms	reform	NOUN
arjefm-85	22	3	were	be	AUX
arjefm-85	22	4	considered	consider	VERB
arjefm-85	22	5	as	as	ADP
arjefm-85	22	6	a	a	DET
arjefm-85	22	7	means	means	NOUN
arjefm-85	22	8	to	to	PART
arjefm-85	22	9	build	build	VERB
arjefm-85	22	10	more	more	ADV
arjefm-85	22	11	efficient	efficient	ADJ
arjefm-85	22	12	,	,	PUNCT
arjefm-85	22	13	robust	robust	ADJ
arjefm-85	22	14	and	and	CCONJ
arjefm-85	22	15	deeper	deep	ADJ
arjefm-85	22	16	financial	financial	ADJ
arjefm-85	22	17	systems	system	NOUN
arjefm-85	22	18	.	.	PUNCT
arjefm-85	23	1	indeed	indeed	ADV
arjefm-85	23	2	,	,	PUNCT
arjefm-85	23	3	for	for	ADP
arjefm-85	23	4	their	their	PRON
arjefm-85	23	5	proponents	proponent	NOUN
arjefm-85	23	6	,	,	PUNCT
arjefm-85	23	7	such	such	ADJ
arjefm-85	23	8	reforms	reform	NOUN
arjefm-85	23	9	would	would	AUX
arjefm-85	23	10	bring	bring	VERB
arjefm-85	23	11	about	about	ADP
arjefm-85	23	12	significant	significant	ADJ
arjefm-85	23	13	economic	economic	ADJ
arjefm-85	23	14	benefits	benefit	NOUN
arjefm-85	23	15	through	through	ADP
arjefm-85	23	16	improved	improve	VERB
arjefm-85	23	17	bank	bank	NOUN
arjefm-85	23	18	efficiency	efficiency	NOUN
arjefm-85	23	19	and	and	CCONJ
arjefm-85	23	20	effectiveness	effectiveness	NOUN
arjefm-85	23	21	to	to	PART
arjefm-85	23	22	guarantee	guarantee	VERB
arjefm-85	23	23	a	a	DET
arjefm-85	23	24	more	more	ADV
arjefm-85	23	25	effective	effective	ADJ
arjefm-85	23	26	mobilization	mobilization	NOUN
arjefm-85	23	27	and	and	CCONJ
arjefm-85	23	28	efficient	efficient	ADJ
arjefm-85	23	29	allocation	allocation	NOUN
arjefm-85	23	30	of	of	ADP
arjefm-85	23	31	resources	resource	NOUN
arjefm-85	23	32	among	among	ADP
arjefm-85	23	33	various	various	ADJ
arjefm-85	23	34	economic	economic	ADJ
arjefm-85	23	35	activities	activity	NOUN
arjefm-85	23	36	.	.	PUNCT
arjefm-85	24	1	consequently	consequently	ADV
arjefm-85	24	2	,	,	PUNCT
arjefm-85	24	3	implemented	implement	VERB
arjefm-85	24	4	measures	measure	NOUN
arjefm-85	24	5	aimed	aim	VERB
arjefm-85	24	6	at	at	ADP
arjefm-85	24	7	addressing	address	VERB
arjefm-85	24	8	governance	governance	NOUN
arjefm-85	24	9	,	,	PUNCT
arjefm-85	24	10	risk	risk	NOUN
arjefm-85	24	11	management	management	NOUN
arjefm-85	24	12	and	and	CCONJ
arjefm-85	24	13	more	more	ADJ
arjefm-85	24	14	efficiency	efficiency	NOUN
arjefm-85	24	15	in	in	ADP
arjefm-85	24	16	banking	banking	NOUN
arjefm-85	24	17	and	and	CCONJ
arjefm-85	24	18	were	be	AUX
arjefm-85	24	19	around	around	ADP
arjefm-85	24	20	financial	financial	ADJ
arjefm-85	24	21	deregulation	deregulation	NOUN
arjefm-85	24	22	,	,	PUNCT
arjefm-85	24	23	banks	bank	NOUN
arjefm-85	24	24	restructuring	restructure	VERB
arjefm-85	24	25	and	and	CCONJ
arjefm-85	24	26	firming	firm	VERB
arjefm-85	24	27	up	up	ADP
arjefm-85	24	28	capitalization	capitalization	NOUN
arjefm-85	24	29	to	to	PART
arjefm-85	24	30	improve	improve	VERB
arjefm-85	24	31	soundness	soundness	NOUN
arjefm-85	24	32	in	in	ADP
arjefm-85	24	33	banking	banking	NOUN
arjefm-85	24	34	.	.	PUNCT
arjefm-85	25	1	as	as	ADP
arjefm-85	25	2	a	a	DET
arjefm-85	25	3	result	result	NOUN
arjefm-85	25	4	,	,	PUNCT
arjefm-85	25	5	over	over	ADP
arjefm-85	25	6	the	the	DET
arjefm-85	25	7	last	last	ADJ
arjefm-85	25	8	decades	decade	NOUN
arjefm-85	25	9	,	,	PUNCT
arjefm-85	25	10	banking	banking	NOUN
arjefm-85	25	11	industry	industry	NOUN
arjefm-85	25	12	in	in	ADP
arjefm-85	25	13	cameroon	cameroon	PROPN
arjefm-85	25	14	has	have	AUX
arjefm-85	25	15	experienced	experience	VERB
arjefm-85	25	16	major	major	ADJ
arjefm-85	25	17	structural	structural	ADJ
arjefm-85	25	18	and	and	CCONJ
arjefm-85	25	19	institutional	institutional	ADJ
arjefm-85	25	20	transformations	transformation	NOUN
arjefm-85	25	21	that	that	PRON
arjefm-85	25	22	alter	alter	VERB
arjefm-85	25	23	governance	governance	NOUN
arjefm-85	25	24	of	of	ADP
arjefm-85	25	25	banks	bank	NOUN
arjefm-85	25	26	operating	operate	VERB
arjefm-85	25	27	on	on	ADP
arjefm-85	25	28	this	this	DET
arjefm-85	25	29	country	country	NOUN
arjefm-85	25	30	.	.	PUNCT
arjefm-85	26	1	domestic	domestic	ADJ
arjefm-85	26	2	mergers	merger	NOUN
arjefm-85	26	3	,	,	PUNCT
arjefm-85	26	4	acquisitions	acquisition	NOUN
arjefm-85	26	5	and	and	CCONJ
arjefm-85	26	6	increase	increase	VERB
arjefm-85	26	7	in	in	ADP
arjefm-85	26	8	foreign	foreign	ADJ
arjefm-85	26	9	capital	capital	NOUN
arjefm-85	26	10	participation	participation	NOUN
arjefm-85	26	11	were	be	AUX
arjefm-85	26	12	among	among	ADP
arjefm-85	26	13	major	major	ADJ
arjefm-85	26	14	observed	observe	VERB
arjefm-85	26	15	structural	structural	ADJ
arjefm-85	26	16	changes	change	NOUN
arjefm-85	26	17	in	in	ADP
arjefm-85	26	18	this	this	DET
arjefm-85	26	19	country	country	NOUN
arjefm-85	26	20	.	.	PUNCT
arjefm-85	27	1	the	the	DET
arjefm-85	27	2	last	last	ADJ
arjefm-85	27	3	state	state	NOUN
arjefm-85	27	4	-	-	PUNCT
arjefm-85	27	5	owned	own	VERB
arjefm-85	27	6	bank	bank	NOUN
arjefm-85	27	7	in	in	ADP
arjefm-85	27	8	cameroon	cameroon	PROPN
arjefm-85	27	9	was	be	AUX
arjefm-85	27	10	sold	sell	VERB
arjefm-85	27	11	in	in	ADP
arjefm-85	27	12	january	january	PROPN
arjefm-85	27	13	2000	2000	NUM
arjefm-85	27	14	and	and	CCONJ
arjefm-85	27	15	this	this	PRON
arjefm-85	27	16	was	be	AUX
arjefm-85	27	17	the	the	DET
arjefm-85	27	18	last	last	ADJ
arjefm-85	27	19	step	step	NOUN
arjefm-85	27	20	in	in	ADP
arjefm-85	27	21	a	a	DET
arjefm-85	27	22	structural	structural	ADJ
arjefm-85	27	23	adjustment	adjustment	NOUN
arjefm-85	27	24	programmed	program	VERB
arjefm-85	27	25	(	(	PUNCT
arjefm-85	27	26	sap	sap	PROPN
arjefm-85	27	27	)	)	PUNCT
arjefm-85	27	28	recommended	recommend	VERB
arjefm-85	27	29	by	by	ADP
arjefm-85	27	30	the	the	DET
arjefm-85	27	31	bretton	bretton	PROPN
arjefm-85	27	32	woods	wood	NOUN
arjefm-85	27	33	institutions	institution	NOUN
arjefm-85	27	34	for	for	ADP
arjefm-85	27	35	the	the	DET
arjefm-85	27	36	country	country	NOUN
arjefm-85	27	37	to	to	PART
arjefm-85	27	38	reach	reach	VERB
arjefm-85	27	39	the	the	DET
arjefm-85	27	40	completion	completion	NOUN
arjefm-85	27	41	of	of	ADP
arjefm-85	27	42	the	the	DET
arjefm-85	27	43	highly	highly	ADV
arjefm-85	27	44	indebted	indebted	ADJ
arjefm-85	27	45	poor	poor	ADJ
arjefm-85	27	46	countries	country	NOUN
arjefm-85	27	47	initiative	initiative	NOUN
arjefm-85	27	48	(	(	PUNCT
arjefm-85	27	49	hipc).this	hipc).this	PRON
arjefm-85	27	50	initiative	initiative	NOUN
arjefm-85	27	51	was	be	AUX
arjefm-85	27	52	recommended	recommend	VERB
arjefm-85	27	53	to	to	PART
arjefm-85	27	54	re	re	VERB
arjefm-85	27	55	-	-	VERB
arjefm-85	27	56	launch	launch	VERB
arjefm-85	27	57	the	the	DET
arjefm-85	27	58	country	country	NOUN
arjefm-85	27	59	’s	’s	PART
arjefm-85	27	60	economy	economy	NOUN
arjefm-85	27	61	after	after	ADP
arjefm-85	27	62	a	a	DET
arjefm-85	27	63	decade	decade	NOUN
arjefm-85	27	64	of	of	ADP
arjefm-85	27	65	economic	economic	ADJ
arjefm-85	27	66	crisis	crisis	NOUN
arjefm-85	27	67	that	that	PRON
arjefm-85	27	68	seriously	seriously	ADV
arjefm-85	27	69	affected	affect	VERB
arjefm-85	27	70	its	its	PRON
arjefm-85	27	71	banks	bank	NOUN
arjefm-85	27	72	.	.	PUNCT
arjefm-85	28	1	this	this	DET
arjefm-85	28	2	crisis	crisis	NOUN
arjefm-85	28	3	also	also	ADV
arjefm-85	28	4	led	lead	VERB
arjefm-85	28	5	to	to	ADP
arjefm-85	28	6	liquidation	liquidation	NOUN
arjefm-85	28	7	of	of	ADP
arjefm-85	28	8	giants	giant	NOUN
arjefm-85	28	9	such	such	ADJ
arjefm-85	28	10	as	as	ADP
arjefm-85	28	11	cameroon	cameroon	PROPN
arjefm-85	28	12	bank	bank	PROPN
arjefm-85	28	13	,	,	PUNCT
arjefm-85	28	14	banque	banque	PROPN
arjefm-85	28	15	meridien	meridien	PROPN
arjefm-85	28	16	,	,	PUNCT
arjefm-85	28	17	rural	rural	ADJ
arjefm-85	28	18	development	development	NOUN
arjefm-85	28	19	fund	fund	NOUN
arjefm-85	28	20	and	and	CCONJ
arjefm-85	28	21	the	the	DET
arjefm-85	28	22	splitwinding	splitwinding	NOUN
arjefm-85	28	23	of	of	ADP
arjefm-85	28	24	the	the	DET
arjefm-85	28	25	bank	bank	NOUN
arjefm-85	28	26	of	of	ADP
arjefm-85	28	27	credit	credit	NOUN
arjefm-85	28	28	and	and	CCONJ
arjefm-85	28	29	commerce	commerce	PROPN
arjefm-85	28	30	of	of	ADP
arjefm-85	28	31	cameroon	cameroon	PROPN
arjefm-85	28	32	(	(	PUNCT
arjefm-85	28	33	bccc	bccc	PROPN
arjefm-85	28	34	)	)	PUNCT
arjefm-85	28	35	,	,	PUNCT
arjefm-85	28	36	with	with	ADP
arjefm-85	28	37	transfers	transfer	NOUN
arjefm-85	28	38	of	of	ADP
arjefm-85	28	39	its	its	PRON
arjefm-85	28	40	good	good	ADJ
arjefm-85	28	41	assets	asset	NOUN
arjefm-85	28	42	to	to	ADP
arjefm-85	28	43	standard	standard	ADJ
arjefm-85	28	44	chartered	chartered	PROPN
arjefm-85	28	45	bank	bank	PROPN
arjefm-85	28	46	of	of	ADP
arjefm-85	28	47	cameroon	cameroon	PROPN
arjefm-85	28	48	(	(	PUNCT
arjefm-85	28	49	scbc	scbc	PROPN
arjefm-85	28	50	)	)	PUNCT
arjefm-85	28	51	.	.	PUNCT
arjefm-85	29	1	relative	relative	ADJ
arjefm-85	29	2	to	to	ADP
arjefm-85	29	3	institutional	institutional	ADJ
arjefm-85	29	4	changes	change	NOUN
arjefm-85	29	5	going	go	VERB
arjefm-85	29	6	with	with	ADP
arjefm-85	29	7	financial	financial	ADJ
arjefm-85	29	8	reforms	reform	NOUN
arjefm-85	29	9	,	,	PUNCT
arjefm-85	29	10	an	an	DET
arjefm-85	29	11	attention	attention	NOUN
arjefm-85	29	12	was	be	AUX
arjefm-85	29	13	given	give	VERB
arjefm-85	29	14	to	to	ADP
arjefm-85	29	15	strengthening	strengthen	VERB
arjefm-85	29	16	the	the	DET
arjefm-85	29	17	regulatory	regulatory	ADJ
arjefm-85	29	18	and	and	CCONJ
arjefm-85	29	19	supervisory	supervisory	ADJ
arjefm-85	29	20	institution	institution	NOUN
arjefm-85	29	21	.	.	PUNCT
arjefm-85	30	1	the	the	DET
arjefm-85	30	2	power	power	NOUN
arjefm-85	30	3	to	to	PART
arjefm-85	30	4	supervise	supervise	VERB
arjefm-85	30	5	the	the	DET
arjefm-85	30	6	banking	banking	NOUN
arjefm-85	30	7	system	system	NOUN
arjefm-85	30	8	initially	initially	ADV
arjefm-85	30	9	carried	carry	VERB
arjefm-85	30	10	out	out	ADP
arjefm-85	30	11	by	by	ADP
arjefm-85	30	12	the	the	DET
arjefm-85	30	13	cameroonian	cameroonian	PROPN
arjefm-85	30	14	loans	loans	PROPN
arjefm-85	30	15	national	national	PROPN
arjefm-85	30	16	council	council	PROPN
arjefm-85	30	17	(	(	PUNCT
arjefm-85	30	18	cnc	cnc	PROPN
arjefm-85	30	19	)	)	PUNCT
arjefm-85	30	20	was	be	AUX
arjefm-85	30	21	transferred	transfer	VERB
arjefm-85	30	22	to	to	ADP
arjefm-85	30	23	a	a	DET
arjefm-85	30	24	community	community	NOUN
arjefm-85	30	25	institution	institution	NOUN
arjefm-85	30	26	:	:	PUNCT
arjefm-85	30	27	the	the	DET
arjefm-85	30	28	banking	banking	NOUN
arjefm-85	30	29	commission	commission	NOUN
arjefm-85	30	30	of	of	ADP
arjefm-85	30	31	central	central	ADJ
arjefm-85	30	32	african	african	ADJ
arjefm-85	30	33	states	state	NOUN
arjefm-85	30	34	(	(	PUNCT
arjefm-85	30	35	cobac	cobac	NOUN
arjefm-85	30	36	)	)	PUNCT
arjefm-85	30	37	created	create	VERB
arjefm-85	30	38	in	in	ADP
arjefm-85	30	39	1992	1992	NUM
arjefm-85	30	40	.	.	PUNCT
arjefm-85	31	1	as	as	ADP
arjefm-85	31	2	a	a	DET
arjefm-85	31	3	result	result	NOUN
arjefm-85	31	4	of	of	ADP
arjefm-85	31	5	this	this	DET
arjefm-85	31	6	institutional	institutional	ADJ
arjefm-85	31	7	change	change	NOUN
arjefm-85	31	8	,	,	PUNCT
arjefm-85	31	9	observed	observe	VERB
arjefm-85	31	10	failure	failure	NOUN
arjefm-85	31	11	of	of	ADP
arjefm-85	31	12	banks	bank	NOUN
arjefm-85	31	13	during	during	ADP
arjefm-85	31	14	this	this	DET
arjefm-85	31	15	period	period	NOUN
arjefm-85	31	16	was	be	AUX
arjefm-85	31	17	followed	follow	VERB
arjefm-85	31	18	by	by	ADP
arjefm-85	31	19	a	a	DET
arjefm-85	31	20	raising	raising	NOUN
arjefm-85	31	21	of	of	ADP
arjefm-85	31	22	the	the	DET
arjefm-85	31	23	initial	initial	ADJ
arjefm-85	31	24	capital	capital	NOUN
arjefm-85	31	25	requirement	requirement	NOUN
arjefm-85	31	26	of	of	ADP
arjefm-85	31	27	commercial	commercial	ADJ
arjefm-85	31	28	banks	bank	NOUN
arjefm-85	31	29	from	from	ADP
arjefm-85	31	30	cfaf	cfaf	ADJ
arjefm-85	31	31	300	300	NUM
arjefm-85	31	32	million	million	NUM
arjefm-85	31	33	to	to	PART
arjefm-85	31	34	cfaf	cfaf	VERB
arjefm-85	31	35	1	1	NUM
arjefm-85	31	36	billion	billion	NUM
arjefm-85	31	37	and	and	CCONJ
arjefm-85	31	38	later	later	ADV
arjefm-85	31	39	by	by	ADP
arjefm-85	31	40	an	an	DET
arjefm-85	31	41	increase	increase	NOUN
arjefm-85	31	42	of	of	ADP
arjefm-85	31	43	the	the	DET
arjefm-85	31	44	bank	bank	NOUN
arjefm-85	31	45	’s	’s	PART
arjefm-85	31	46	minimum	minimum	ADJ
arjefm-85	31	47	capital	capital	NOUN
arjefm-85	31	48	requirement	requirement	NOUN
arjefm-85	31	49	vis	vis	ADP
arjefm-85	31	50	a	a	X
arjefm-85	31	51	vis	vis	X
arjefm-85	31	52	their	their	PRON
arjefm-85	31	53	riskweighted	riskweighte	VERB
arjefm-85	31	54	assets	asset	NOUN
arjefm-85	31	55	,	,	PUNCT
arjefm-85	31	56	8	8	NUM
arjefm-85	31	57	per	per	ADP
arjefm-85	31	58	cent	cent	NOUN
arjefm-85	31	59	as	as	SCONJ
arjefm-85	31	60	prescribed	prescribe	VERB
arjefm-85	31	61	by	by	ADP
arjefm-85	31	62	the	the	DET
arjefm-85	31	63	basle	basle	PROPN
arjefm-85	31	64	committee	committee	PROPN
arjefm-85	31	65	of	of	ADP
arjefm-85	31	66	banking	banking	NOUN
arjefm-85	31	67	in	in	ADP
arjefm-85	31	68	1995	1995	NUM
arjefm-85	31	69	.	.	PUNCT
arjefm-85	32	1	moreover	moreover	ADV
arjefm-85	32	2	since	since	SCONJ
arjefm-85	32	3	the	the	DET
arjefm-85	32	4	early	early	ADJ
arjefm-85	32	5	1990s	1990	NOUN
arjefm-85	32	6	,	,	PUNCT
arjefm-85	32	7	financial	financial	ADJ
arjefm-85	32	8	liberalization	liberalization	NOUN
arjefm-85	32	9	implementation	implementation	NOUN
arjefm-85	32	10	in	in	ADP
arjefm-85	32	11	cameroon	cameroon	NOUN
arjefm-85	32	12	,	,	PUNCT
arjefm-85	32	13	driven	drive	VERB
arjefm-85	32	14	by	by	ADP
arjefm-85	32	15	financial	financial	ADJ
arjefm-85	32	16	deregulation	deregulation	NOUN
arjefm-85	32	17	and	and	CCONJ
arjefm-85	32	18	technological	technological	ADJ
arjefm-85	32	19	change	change	NOUN
arjefm-85	32	20	,	,	PUNCT
arjefm-85	32	21	has	have	AUX
arjefm-85	32	22	made	make	VERB
arjefm-85	32	23	cameroonian	cameroonian	ADJ
arjefm-85	32	24	banking	banking	NOUN
arjefm-85	32	25	markets	market	NOUN
arjefm-85	32	26	increasingly	increasingly	ADV
arjefm-85	32	27	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	32	28	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	33	1	american	american	PROPN
arjefm-85	33	2	research	research	PROPN
arjefm-85	33	3	journal	journal	PROPN
arjefm-85	33	4	of	of	ADP
arjefm-85	33	5	economics	economic	NOUN
arjefm-85	33	6	,	,	PUNCT
arjefm-85	33	7	finance	finance	NOUN
arjefm-85	33	8	and	and	CCONJ
arjefm-85	33	9	management	management	NOUN
arjefm-85	33	10	volume	volume	NOUN
arjefm-85	33	11	12	12	NUM
arjefm-85	33	12	issue	issue	NOUN
arjefm-85	33	13	1	1	NUM
arjefm-85	33	14	,	,	PUNCT
arjefm-85	33	15	january	january	PROPN
arjefm-85	33	16	-	-	PUNCT
arjefm-85	33	17	february	february	PROPN
arjefm-85	33	18	2024	2024	NUM
arjefm-85	33	19	issn	issn	NOUN
arjefm-85	33	20	:	:	PUNCT
arjefm-85	33	21	2836	2836	NUM
arjefm-85	33	22	-	-	SYM
arjefm-85	33	23	9416	9416	NUM
arjefm-85	33	24	impact	impact	NOUN
arjefm-85	33	25	factor	factor	NOUN
arjefm-85	33	26	:	:	PUNCT
arjefm-85	33	27	5.57	5.57	NUM
arjefm-85	33	28	journal	journal	NOUN
arjefm-85	33	29	homepage	homepage	NOUN
arjefm-85	33	30	:	:	PUNCT
arjefm-85	33	31	https://	https://	PROPN
arjefm-85	33	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	33	33	,	,	PUNCT
arjefm-85	33	34	email	email	NOUN
arjefm-85	33	35	:	:	PUNCT
arjefm-85	33	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	33	37	official	official	ADJ
arjefm-85	33	38	journal	journal	PROPN
arjefm-85	33	39	of	of	ADP
arjefm-85	33	40	america	america	PROPN
arjefm-85	33	41	serial	serial	PROPN
arjefm-85	33	42	publication	publication	NOUN
arjefm-85	33	43	advanced	advanced	ADJ
arjefm-85	33	44	journal	journal	NOUN
arjefm-85	33	45	of	of	ADP
arjefm-85	33	46	economics	economic	NOUN
arjefm-85	33	47	and	and	CCONJ
arjefm-85	33	48	business	business	NOUN
arjefm-85	33	49	research	research	NOUN
arjefm-85	33	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	33	51	,	,	PUNCT
arjefm-85	33	52	email	email	NOUN
arjefm-85	33	53	:	:	PUNCT
arjefm-85	33	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	34	1	48	48	NUM
arjefm-85	35	1	|	|	ADV
arjefm-85	35	2	p	p	NOUN
arjefm-85	35	3	a	a	DET
arjefm-85	35	4	g	g	NOUN
arjefm-85	35	5	e	e	NOUN
arjefm-85	35	6	more	more	ADV
arjefm-85	35	7	competitive	competitive	ADJ
arjefm-85	35	8	.	.	PUNCT
arjefm-85	36	1	as	as	ADP
arjefm-85	36	2	a	a	DET
arjefm-85	36	3	result	result	NOUN
arjefm-85	36	4	,	,	PUNCT
arjefm-85	36	5	there	there	PRON
arjefm-85	36	6	has	have	AUX
arjefm-85	36	7	been	be	AUX
arjefm-85	36	8	tremendous	tremendous	ADJ
arjefm-85	36	9	emphasis	emphasis	NOUN
arjefm-85	36	10	on	on	ADP
arjefm-85	36	11	the	the	DET
arjefm-85	36	12	importance	importance	NOUN
arjefm-85	36	13	of	of	ADP
arjefm-85	36	14	improved	improved	ADJ
arjefm-85	36	15	efficiency	efficiency	NOUN
arjefm-85	36	16	in	in	ADP
arjefm-85	36	17	the	the	DET
arjefm-85	36	18	banking	banking	NOUN
arjefm-85	36	19	sector	sector	NOUN
arjefm-85	36	20	.	.	PUNCT
arjefm-85	37	1	but	but	CCONJ
arjefm-85	37	2	at	at	ADP
arjefm-85	37	3	the	the	DET
arjefm-85	37	4	same	same	ADJ
arjefm-85	37	5	time	time	NOUN
arjefm-85	37	6	,	,	PUNCT
arjefm-85	37	7	this	this	DET
arjefm-85	37	8	increase	increase	NOUN
arjefm-85	37	9	in	in	ADP
arjefm-85	37	10	competition	competition	NOUN
arjefm-85	37	11	could	could	AUX
arjefm-85	37	12	lead	lead	VERB
arjefm-85	37	13	to	to	ADP
arjefm-85	37	14	incentives	incentive	NOUN
arjefm-85	37	15	for	for	ADP
arjefm-85	37	16	greater	great	ADJ
arjefm-85	37	17	bank	bank	NOUN
arjefm-85	37	18	risktaking	risktake	VERB
arjefm-85	37	19	implying	imply	VERB
arjefm-85	37	20	potential	potential	ADJ
arjefm-85	37	21	riskefficiency	riskefficiency	NOUN
arjefm-85	37	22	tradeoffs	tradeoff	NOUN
arjefm-85	37	23	in	in	ADP
arjefm-85	37	24	cameroonian	cameroonian	PROPN
arjefm-85	37	25	banking	banking	NOUN
arjefm-85	37	26	.	.	PUNCT
arjefm-85	38	1	to	to	PART
arjefm-85	38	2	address	address	VERB
arjefm-85	38	3	this	this	DET
arjefm-85	38	4	potential	potential	ADJ
arjefm-85	38	5	threat	threat	NOUN
arjefm-85	38	6	to	to	ADP
arjefm-85	38	7	the	the	DET
arjefm-85	38	8	bank	bank	NOUN
arjefm-85	38	9	system	system	NOUN
arjefm-85	38	10	stability	stability	NOUN
arjefm-85	38	11	,	,	PUNCT
arjefm-85	38	12	the	the	DET
arjefm-85	38	13	banking	banking	NOUN
arjefm-85	38	14	commission	commission	NOUN
arjefm-85	38	15	of	of	ADP
arjefm-85	38	16	central	central	ADJ
arjefm-85	38	17	african	african	ADJ
arjefm-85	38	18	states	state	NOUN
arjefm-85	38	19	gave	give	VERB
arjefm-85	38	20	capital	capital	NOUN
arjefm-85	38	21	adequacy	adequacy	NOUN
arjefm-85	38	22	a	a	DET
arjefm-85	38	23	more	more	ADV
arjefm-85	38	24	preeminent	preeminent	ADJ
arjefm-85	38	25	role	role	NOUN
arjefm-85	38	26	in	in	ADP
arjefm-85	38	27	the	the	DET
arjefm-85	38	28	prudential	prudential	ADJ
arjefm-85	38	29	regulatory	regulatory	ADJ
arjefm-85	38	30	process	process	NOUN
arjefm-85	38	31	.	.	PUNCT
arjefm-85	39	1	the	the	DET
arjefm-85	39	2	question	question	NOUN
arjefm-85	39	3	then	then	ADV
arjefm-85	39	4	arises	arise	VERB
arjefm-85	39	5	of	of	ADP
arjefm-85	39	6	whether	whether	SCONJ
arjefm-85	39	7	or	or	CCONJ
arjefm-85	39	8	not	not	PART
arjefm-85	39	9	the	the	DET
arjefm-85	39	10	level	level	NOUN
arjefm-85	39	11	of	of	ADP
arjefm-85	39	12	bank	bank	NOUN
arjefm-85	39	13	capital	capital	NOUN
arjefm-85	39	14	has	have	AUX
arjefm-85	39	15	a	a	DET
arjefm-85	39	16	significant	significant	ADJ
arjefm-85	39	17	impact	impact	NOUN
arjefm-85	39	18	on	on	ADP
arjefm-85	39	19	risk	risk	NOUN
arjefm-85	39	20	-	-	PUNCT
arjefm-85	39	21	efficiency	efficiency	NOUN
arjefm-85	39	22	tradeoffs	tradeoff	NOUN
arjefm-85	39	23	in	in	ADP
arjefm-85	39	24	cameroonian	cameroonian	ADJ
arjefm-85	39	25	banking	banking	NOUN
arjefm-85	39	26	?	?	PUNCT
arjefm-85	40	1	this	this	DET
arjefm-85	40	2	question	question	NOUN
arjefm-85	40	3	is	be	AUX
arjefm-85	40	4	of	of	ADP
arjefm-85	40	5	real	real	ADJ
arjefm-85	40	6	importance	importance	NOUN
arjefm-85	40	7	in	in	ADP
arjefm-85	40	8	cameroon	cameroon	NOUN
arjefm-85	40	9	for	for	ADP
arjefm-85	40	10	at	at	ADV
arjefm-85	40	11	least	least	ADV
arjefm-85	40	12	two	two	NUM
arjefm-85	40	13	reasons	reason	NOUN
arjefm-85	40	14	:	:	PUNCT
arjefm-85	40	15	firstly	firstly	ADV
arjefm-85	40	16	,	,	PUNCT
arjefm-85	40	17	despite	despite	SCONJ
arjefm-85	40	18	the	the	DET
arjefm-85	40	19	great	great	ADJ
arjefm-85	40	20	number	number	NOUN
arjefm-85	40	21	of	of	ADP
arjefm-85	40	22	papers	paper	NOUN
arjefm-85	40	23	dealing	deal	VERB
arjefm-85	40	24	with	with	ADP
arjefm-85	40	25	the	the	DET
arjefm-85	40	26	issue	issue	NOUN
arjefm-85	40	27	of	of	ADP
arjefm-85	40	28	whether	whether	SCONJ
arjefm-85	40	29	or	or	CCONJ
arjefm-85	40	30	not	not	PART
arjefm-85	40	31	higher	high	ADJ
arjefm-85	40	32	capital	capital	NOUN
arjefm-85	40	33	ratios	ratio	NOUN
arjefm-85	40	34	reduces	reduce	VERB
arjefm-85	40	35	or	or	CCONJ
arjefm-85	40	36	increases	increase	VERB
arjefm-85	40	37	overall	overall	ADJ
arjefm-85	40	38	banking	banking	NOUN
arjefm-85	40	39	risk	risk	NOUN
arjefm-85	40	40	,	,	PUNCT
arjefm-85	40	41	this	this	DET
arjefm-85	40	42	issue	issue	NOUN
arjefm-85	40	43	remains	remain	VERB
arjefm-85	40	44	largely	largely	ADV
arjefm-85	40	45	unsolved	unsolved	ADJ
arjefm-85	40	46	.	.	PUNCT
arjefm-85	41	1	moreover	moreover	ADV
arjefm-85	41	2	,	,	PUNCT
arjefm-85	41	3	the	the	DET
arjefm-85	41	4	recent	recent	ADJ
arjefm-85	41	5	streams	stream	NOUN
arjefm-85	41	6	of	of	ADP
arjefm-85	41	7	the	the	DET
arjefm-85	41	8	literature	literature	NOUN
arjefm-85	41	9	introducing	introduce	VERB
arjefm-85	41	10	the	the	DET
arjefm-85	41	11	efficiency	efficiency	NOUN
arjefm-85	41	12	of	of	ADP
arjefm-85	41	13	banks	bank	NOUN
arjefm-85	41	14	into	into	ADP
arjefm-85	41	15	the	the	DET
arjefm-85	41	16	debate	debate	NOUN
arjefm-85	41	17	just	just	ADV
arjefm-85	41	18	led	lead	VERB
arjefm-85	41	19	to	to	ADP
arjefm-85	41	20	conflicting	conflict	VERB
arjefm-85	41	21	theoretical	theoretical	ADJ
arjefm-85	41	22	hypothesis	hypothesis	NOUN
arjefm-85	41	23	.	.	PUNCT
arjefm-85	42	1	for	for	ADP
arjefm-85	42	2	a	a	DET
arjefm-85	42	3	significant	significant	ADJ
arjefm-85	42	4	part	part	NOUN
arjefm-85	42	5	of	of	ADP
arjefm-85	42	6	researchers	researcher	NOUN
arjefm-85	42	7	convinced	convince	VERB
arjefm-85	42	8	by	by	ADP
arjefm-85	42	9	the	the	DET
arjefm-85	42	10	bad	bad	ADJ
arjefm-85	42	11	luck	luck	NOUN
arjefm-85	42	12	hypothesis	hypothesis	NOUN
arjefm-85	42	13	,	,	PUNCT
arjefm-85	42	14	increase	increase	VERB
arjefm-85	42	15	in	in	ADP
arjefm-85	42	16	risk	risk	NOUN
arjefm-85	42	17	determined	determine	VERB
arjefm-85	42	18	by	by	ADP
arjefm-85	42	19	exogeneous	exogeneous	ADJ
arjefm-85	42	20	factors	factor	NOUN
arjefm-85	42	21	negatively	negatively	ADV
arjefm-85	42	22	affects	affect	VERB
arjefm-85	42	23	bank	bank	NOUN
arjefm-85	42	24	efficiency	efficiency	NOUN
arjefm-85	42	25	.	.	PUNCT
arjefm-85	43	1	conversely	conversely	ADV
arjefm-85	43	2	,	,	PUNCT
arjefm-85	43	3	for	for	ADP
arjefm-85	43	4	the	the	DET
arjefm-85	43	5	proponents	proponent	NOUN
arjefm-85	43	6	of	of	ADP
arjefm-85	43	7	the	the	DET
arjefm-85	43	8	bad	bad	ADJ
arjefm-85	43	9	management	management	NOUN
arjefm-85	43	10	hypothesis	hypothesis	NOUN
arjefm-85	43	11	,	,	PUNCT
arjefm-85	43	12	bank	bank	NOUN
arjefm-85	43	13	efficiency	efficiency	NOUN
arjefm-85	43	14	is	be	AUX
arjefm-85	43	15	determined	determine	VERB
arjefm-85	43	16	by	by	ADP
arjefm-85	43	17	internal	internal	ADJ
arjefm-85	43	18	behavior	behavior	NOUN
arjefm-85	43	19	in	in	ADP
arjefm-85	43	20	banks	bank	NOUN
arjefm-85	43	21	.	.	PUNCT
arjefm-85	44	1	therefore	therefore	ADV
arjefm-85	44	2	,	,	PUNCT
arjefm-85	44	3	it	it	PRON
arjefm-85	44	4	is	be	AUX
arjefm-85	44	5	the	the	DET
arjefm-85	44	6	reduction	reduction	NOUN
arjefm-85	44	7	of	of	ADP
arjefm-85	44	8	efficiency	efficiency	NOUN
arjefm-85	44	9	caused	cause	VERB
arjefm-85	44	10	by	by	ADP
arjefm-85	44	11	bad	bad	ADJ
arjefm-85	44	12	management	management	NOUN
arjefm-85	44	13	that	that	PRON
arjefm-85	44	14	induces	induce	VERB
arjefm-85	44	15	increase	increase	NOUN
arjefm-85	44	16	in	in	ADP
arjefm-85	44	17	bank	bank	NOUN
arjefm-85	44	18	risk	risk	NOUN
arjefm-85	44	19	taking	taking	NOUN
arjefm-85	44	20	.	.	PUNCT
arjefm-85	45	1	in	in	ADP
arjefm-85	45	2	the	the	DET
arjefm-85	45	3	third	third	ADJ
arjefm-85	45	4	hypothesis	hypothesis	NOUN
arjefm-85	45	5	(	(	PUNCT
arjefm-85	45	6	the	the	DET
arjefm-85	45	7	skimping	skimp	VERB
arjefm-85	45	8	hypothesis	hypothesis	NOUN
arjefm-85	45	9	)	)	PUNCT
arjefm-85	45	10	,	,	PUNCT
arjefm-85	45	11	if	if	SCONJ
arjefm-85	45	12	this	this	DET
arjefm-85	45	13	negative	negative	ADJ
arjefm-85	45	14	relationship	relationship	NOUN
arjefm-85	45	15	between	between	ADP
arjefm-85	45	16	efficiency	efficiency	NOUN
arjefm-85	45	17	and	and	CCONJ
arjefm-85	45	18	bank	bank	NOUN
arjefm-85	45	19	risk	risk	NOUN
arjefm-85	45	20	taking	take	VERB
arjefm-85	45	21	donatien	donatien	NOUN
arjefm-85	45	22	and	and	CCONJ
arjefm-85	45	23	exists	exist	VERB
arjefm-85	45	24	in	in	ADP
arjefm-85	45	25	the	the	DET
arjefm-85	45	26	short	short	ADJ
arjefm-85	45	27	term	term	NOUN
arjefm-85	45	28	,	,	PUNCT
arjefm-85	45	29	it	it	PRON
arjefm-85	45	30	turns	turn	VERB
arjefm-85	45	31	into	into	ADP
arjefm-85	45	32	a	a	DET
arjefm-85	45	33	positive	positive	ADJ
arjefm-85	45	34	one	one	NOUN
arjefm-85	45	35	in	in	ADP
arjefm-85	45	36	the	the	DET
arjefm-85	45	37	long	long	ADJ
arjefm-85	45	38	term	term	NOUN
arjefm-85	45	39	.	.	PUNCT
arjefm-85	46	1	as	as	SCONJ
arjefm-85	46	2	the	the	DET
arjefm-85	46	3	empirical	empirical	ADJ
arjefm-85	46	4	evidence	evidence	NOUN
arjefm-85	46	5	remains	remain	VERB
arjefm-85	46	6	contradictory	contradictory	ADJ
arjefm-85	46	7	,	,	PUNCT
arjefm-85	46	8	this	this	DET
arjefm-85	46	9	paper	paper	NOUN
arjefm-85	46	10	will	will	AUX
arjefm-85	46	11	therefore	therefore	ADV
arjefm-85	46	12	add	add	VERB
arjefm-85	46	13	empirical	empirical	ADJ
arjefm-85	46	14	evidence	evidence	NOUN
arjefm-85	46	15	in	in	ADP
arjefm-85	46	16	the	the	DET
arjefm-85	46	17	cameroonian	cameroonian	ADJ
arjefm-85	46	18	context	context	NOUN
arjefm-85	46	19	and	and	CCONJ
arjefm-85	46	20	allow	allow	VERB
arjefm-85	46	21	comparisons	comparison	NOUN
arjefm-85	46	22	with	with	ADP
arjefm-85	46	23	what	what	PRON
arjefm-85	46	24	is	be	AUX
arjefm-85	46	25	observed	observe	VERB
arjefm-85	46	26	in	in	ADP
arjefm-85	46	27	other	other	ADJ
arjefm-85	46	28	countries	country	NOUN
arjefm-85	46	29	.	.	PUNCT
arjefm-85	47	1	furthermore	furthermore	ADV
arjefm-85	47	2	,	,	PUNCT
arjefm-85	47	3	despite	despite	SCONJ
arjefm-85	47	4	the	the	DET
arjefm-85	47	5	importance	importance	NOUN
arjefm-85	47	6	of	of	ADP
arjefm-85	47	7	this	this	DET
arjefm-85	47	8	topic	topic	NOUN
arjefm-85	47	9	,	,	PUNCT
arjefm-85	47	10	with	with	ADP
arjefm-85	47	11	regard	regard	NOUN
arjefm-85	47	12	to	to	ADP
arjefm-85	47	13	financial	financial	ADJ
arjefm-85	47	14	instability	instability	NOUN
arjefm-85	47	15	and	and	CCONJ
arjefm-85	47	16	systemic	systemic	ADJ
arjefm-85	47	17	bank	bank	NOUN
arjefm-85	47	18	crises	crisis	NOUN
arjefm-85	47	19	observed	observe	VERB
arjefm-85	47	20	in	in	ADP
arjefm-85	47	21	this	this	DET
arjefm-85	47	22	country	country	NOUN
arjefm-85	47	23	during	during	ADP
arjefm-85	47	24	the	the	DET
arjefm-85	47	25	90s	90	NOUN
arjefm-85	47	26	and	and	CCONJ
arjefm-85	47	27	recent	recent	ADJ
arjefm-85	47	28	reported	report	VERB
arjefm-85	47	29	cases	case	NOUN
arjefm-85	47	30	of	of	ADP
arjefm-85	47	31	bank	bank	NOUN
arjefm-85	47	32	distress	distress	NOUN
arjefm-85	47	33	(	(	PUNCT
arjefm-85	47	34	imf	imf	PROPN
arjefm-85	47	35	,	,	PUNCT
arjefm-85	47	36	2018	2018	NUM
arjefm-85	47	37	)	)	PUNCT
arjefm-85	47	38	,	,	PUNCT
arjefm-85	47	39	there	there	PRON
arjefm-85	47	40	is	be	VERB
arjefm-85	47	41	a	a	DET
arjefm-85	47	42	lack	lack	NOUN
arjefm-85	47	43	of	of	ADP
arjefm-85	47	44	subsequent	subsequent	ADJ
arjefm-85	47	45	research	research	NOUN
arjefm-85	47	46	to	to	PART
arjefm-85	47	47	guide	guide	VERB
arjefm-85	47	48	bank	bank	NOUN
arjefm-85	47	49	authorities	authority	NOUN
arjefm-85	47	50	’	’	PART
arjefm-85	47	51	interventions	intervention	NOUN
arjefm-85	47	52	.	.	PUNCT
arjefm-85	48	1	secondly	secondly	ADV
arjefm-85	48	2	,	,	PUNCT
arjefm-85	48	3	despite	despite	SCONJ
arjefm-85	48	4	underwent	underwent	ADJ
arjefm-85	48	5	reforms	reform	NOUN
arjefm-85	48	6	,	,	PUNCT
arjefm-85	48	7	if	if	SCONJ
arjefm-85	48	8	the	the	DET
arjefm-85	48	9	excess	excess	ADJ
arjefm-85	48	10	liquidity	liquidity	NOUN
arjefm-85	48	11	of	of	ADP
arjefm-85	48	12	banks	bank	NOUN
arjefm-85	48	13	is	be	AUX
arjefm-85	48	14	a	a	DET
arjefm-85	48	15	striking	striking	ADJ
arjefm-85	48	16	feature	feature	NOUN
arjefm-85	48	17	of	of	ADP
arjefm-85	48	18	the	the	DET
arjefm-85	48	19	cameroonian	cameroonian	ADJ
arjefm-85	48	20	banking	banking	NOUN
arjefm-85	48	21	system	system	NOUN
arjefm-85	48	22	at	at	ADP
arjefm-85	48	23	the	the	DET
arjefm-85	48	24	end	end	NOUN
arjefm-85	48	25	of	of	ADP
arjefm-85	48	26	the	the	DET
arjefm-85	48	27	restructuring	restructuring	NOUN
arjefm-85	48	28	process	process	NOUN
arjefm-85	48	29	as	as	SCONJ
arjefm-85	48	30	pointed	point	VERB
arjefm-85	48	31	by	by	ADP
arjefm-85	48	32	avom	avom	NOUN
arjefm-85	48	33	and	and	CCONJ
arjefm-85	48	34	eyeffa	eyeffa	NOUN
arjefm-85	48	35	ekomo	ekomo	NOUN
arjefm-85	48	36	(	(	PUNCT
arjefm-85	48	37	2007	2007	NUM
arjefm-85	48	38	)	)	PUNCT
arjefm-85	48	39	,	,	PUNCT
arjefm-85	48	40	in	in	ADP
arjefm-85	48	41	recent	recent	ADJ
arjefm-85	48	42	years	year	NOUN
arjefm-85	48	43	the	the	DET
arjefm-85	48	44	question	question	NOUN
arjefm-85	48	45	of	of	ADP
arjefm-85	48	46	loan	loan	NOUN
arjefm-85	48	47	quality	quality	NOUN
arjefm-85	48	48	and	and	CCONJ
arjefm-85	48	49	of	of	ADP
arjefm-85	48	50	its	its	PRON
arjefm-85	48	51	implicit	implicit	ADJ
arjefm-85	48	52	risk	risk	NOUN
arjefm-85	48	53	consequences	consequence	NOUN
arjefm-85	48	54	still	still	ADV
arjefm-85	48	55	occupy	occupy	VERB
arjefm-85	48	56	a	a	DET
arjefm-85	48	57	prominent	prominent	ADJ
arjefm-85	48	58	place	place	NOUN
arjefm-85	48	59	.	.	PUNCT
arjefm-85	49	1	in	in	ADP
arjefm-85	49	2	the	the	DET
arjefm-85	49	3	cameroonian	cameroonian	ADJ
arjefm-85	49	4	context	context	NOUN
arjefm-85	49	5	,	,	PUNCT
arjefm-85	49	6	the	the	DET
arjefm-85	49	7	level	level	NOUN
arjefm-85	49	8	of	of	ADP
arjefm-85	49	9	non	non	ADJ
arjefm-85	49	10	-	-	ADJ
arjefm-85	49	11	performing	performing	ADJ
arjefm-85	49	12	loans	loan	NOUN
arjefm-85	49	13	first	first	ADV
arjefm-85	49	14	declined	decline	VERB
arjefm-85	49	15	from	from	ADP
arjefm-85	49	16	an	an	DET
arjefm-85	49	17	average	average	NOUN
arjefm-85	49	18	of	of	ADP
arjefm-85	49	19	405	405	NUM
arjefm-85	49	20	of	of	ADP
arjefm-85	49	21	total	total	ADJ
arjefm-85	49	22	credit	credit	NOUN
arjefm-85	49	23	in	in	ADP
arjefm-85	49	24	1995	1995	NUM
arjefm-85	49	25	to	to	ADP
arjefm-85	49	26	around	around	ADV
arjefm-85	49	27	12	12	NUM
arjefm-85	49	28	%	%	NOUN
arjefm-85	49	29	at	at	ADP
arjefm-85	49	30	the	the	DET
arjefm-85	49	31	end	end	NOUN
arjefm-85	49	32	of	of	ADP
arjefm-85	49	33	2006	2006	NUM
arjefm-85	49	34	following	follow	VERB
arjefm-85	49	35	the	the	DET
arjefm-85	49	36	restructuring	restructuring	NOUN
arjefm-85	49	37	of	of	ADP
arjefm-85	49	38	the	the	DET
arjefm-85	49	39	banking	banking	NOUN
arjefm-85	49	40	sector	sector	NOUN
arjefm-85	49	41	and	and	CCONJ
arjefm-85	49	42	the	the	DET
arjefm-85	49	43	transfer	transfer	NOUN
arjefm-85	49	44	of	of	ADP
arjefm-85	49	45	impaired	impaired	ADJ
arjefm-85	49	46	loans	loan	NOUN
arjefm-85	49	47	to	to	ADP
arjefm-85	49	48	a	a	DET
arjefm-85	49	49	loan	loan	NOUN
arjefm-85	49	50	recovery	recovery	NOUN
arjefm-85	49	51	agency	agency	NOUN
arjefm-85	49	52	in	in	ADP
arjefm-85	49	53	the	the	DET
arjefm-85	49	54	late	late	ADJ
arjefm-85	49	55	1990s	1990	NOUN
arjefm-85	49	56	.	.	PUNCT
arjefm-85	50	1	but	but	CCONJ
arjefm-85	50	2	,	,	PUNCT
arjefm-85	50	3	cameroon	cameroon	PROPN
arjefm-85	50	4	’s	’s	PART
arjefm-85	50	5	structurally	structurally	ADV
arjefm-85	50	6	high	high	ADJ
arjefm-85	50	7	ratio	ratio	NOUN
arjefm-85	50	8	of	of	ADP
arjefm-85	50	9	nonperforming	nonperforme	VERB
arjefm-85	50	10	loans	loan	NOUN
arjefm-85	50	11	was	be	AUX
arjefm-85	50	12	later	later	ADV
arjefm-85	50	13	aggravated	aggravate	VERB
arjefm-85	50	14	in	in	ADP
arjefm-85	50	15	the	the	DET
arjefm-85	50	16	first	first	ADJ
arjefm-85	50	17	quarter	quarter	NOUN
arjefm-85	50	18	of	of	ADP
arjefm-85	50	19	2018	2018	NUM
arjefm-85	50	20	to	to	PART
arjefm-85	50	21	15	15	NUM
arjefm-85	50	22	percent	percent	NOUN
arjefm-85	50	23	far	far	ADV
arjefm-85	50	24	from	from	ADP
arjefm-85	50	25	observed	observed	ADJ
arjefm-85	50	26	averages	average	NOUN
arjefm-85	50	27	in	in	ADP
arjefm-85	50	28	north	north	PROPN
arjefm-85	50	29	america	america	PROPN
arjefm-85	50	30	(	(	PUNCT
arjefm-85	50	31	0.07	0.07	NUM
arjefm-85	50	32	%	%	NOUN
arjefm-85	50	33	)	)	PUNCT
arjefm-85	50	34	,	,	PUNCT
arjefm-85	50	35	europe	europe	PROPN
arjefm-85	50	36	and	and	CCONJ
arjefm-85	50	37	central	central	PROPN
arjefm-85	50	38	asia	asia	PROPN
arjefm-85	50	39	(	(	PUNCT
arjefm-85	50	40	3.8	3.8	NUM
arjefm-85	50	41	%	%	NOUN
arjefm-85	50	42	)	)	PUNCT
arjefm-85	50	43	or	or	CCONJ
arjefm-85	50	44	even	even	ADV
arjefm-85	50	45	sub	sub	ADJ
arjefm-85	50	46	-	-	ADJ
arjefm-85	50	47	saharan	saharan	ADJ
arjefm-85	50	48	africa	africa	PROPN
arjefm-85	50	49	(	(	PUNCT
arjefm-85	50	50	11.7	11.7	NUM
arjefm-85	50	51	%	%	NOUN
arjefm-85	50	52	)	)	PUNCT
arjefm-85	50	53	(	(	PUNCT
arjefm-85	50	54	imf	imf	PROPN
arjefm-85	50	55	,	,	PUNCT
arjefm-85	50	56	2018	2018	NUM
arjefm-85	50	57	)	)	PUNCT
arjefm-85	50	58	.	.	PUNCT
arjefm-85	51	1	in	in	ADP
arjefm-85	51	2	more	more	ADV
arjefm-85	51	3	recent	recent	ADJ
arjefm-85	51	4	years	year	NOUN
arjefm-85	51	5	and	and	CCONJ
arjefm-85	51	6	according	accord	VERB
arjefm-85	51	7	to	to	ADP
arjefm-85	51	8	cobac	cobac	PROPN
arjefm-85	51	9	statistics	statistic	NOUN
arjefm-85	51	10	,	,	PUNCT
arjefm-85	51	11	nonperforming	nonperforming	ADJ
arjefm-85	51	12	loans	loan	NOUN
arjefm-85	51	13	have	have	AUX
arjefm-85	51	14	increased	increase	VERB
arjefm-85	51	15	by	by	ADP
arjefm-85	51	16	45	45	NUM
arjefm-85	51	17	billion	billion	NUM
arjefm-85	51	18	between	between	ADP
arjefm-85	51	19	2020	2020	NUM
arjefm-85	51	20	and	and	CCONJ
arjefm-85	51	21	2021	2021	NUM
arjefm-85	51	22	.	.	PUNCT
arjefm-85	52	1	this	this	DET
arjefm-85	52	2	observed	observe	VERB
arjefm-85	52	3	increase	increase	NOUN
arjefm-85	52	4	in	in	ADP
arjefm-85	52	5	bad	bad	ADJ
arjefm-85	52	6	loans	loan	NOUN
arjefm-85	52	7	might	might	AUX
arjefm-85	52	8	not	not	PART
arjefm-85	52	9	rely	rely	VERB
arjefm-85	52	10	on	on	ADP
arjefm-85	52	11	the	the	DET
arjefm-85	52	12	bad	bad	ADJ
arjefm-85	52	13	luck	luck	NOUN
arjefm-85	52	14	hypothesis	hypothesis	NOUN
arjefm-85	52	15	of	of	ADP
arjefm-85	52	16	berger	berger	PROPN
arjefm-85	52	17	and	and	CCONJ
arjefm-85	52	18	deyoung	deyoung	PROPN
arjefm-85	52	19	(	(	PUNCT
arjefm-85	52	20	2007	2007	NUM
arjefm-85	52	21	)	)	PUNCT
arjefm-85	52	22	in	in	ADP
arjefm-85	52	23	cameroon	cameroon	NOUN
arjefm-85	52	24	.	.	PUNCT
arjefm-85	53	1	as	as	SCONJ
arjefm-85	53	2	imf	imf	PROPN
arjefm-85	53	3	(	(	PUNCT
arjefm-85	53	4	2018	2018	NUM
arjefm-85	53	5	)	)	PUNCT
arjefm-85	53	6	noted	note	VERB
arjefm-85	53	7	,	,	PUNCT
arjefm-85	53	8	the	the	DET
arjefm-85	53	9	cameroonian	cameroonian	ADJ
arjefm-85	53	10	banking	banking	NOUN
arjefm-85	53	11	system	system	NOUN
arjefm-85	53	12	has	have	AUX
arjefm-85	53	13	proven	prove	VERB
arjefm-85	53	14	its	its	PRON
arjefm-85	53	15	resilience	resilience	NOUN
arjefm-85	53	16	to	to	ADP
arjefm-85	53	17	exogeneous	exogeneous	ADJ
arjefm-85	53	18	shocks	shock	NOUN
arjefm-85	53	19	even	even	ADV
arjefm-85	53	20	resulting	result	VERB
arjefm-85	53	21	from	from	ADP
arjefm-85	53	22	foreign	foreign	ADJ
arjefm-85	53	23	economic	economic	ADJ
arjefm-85	53	24	behavior	behavior	NOUN
arjefm-85	53	25	.	.	PUNCT
arjefm-85	54	1	face	face	NOUN
arjefm-85	54	2	to	to	ADP
arjefm-85	54	3	the	the	DET
arjefm-85	54	4	twin	twin	ADJ
arjefm-85	54	5	recent	recent	ADJ
arjefm-85	54	6	oil	oil	NOUN
arjefm-85	54	7	price	price	NOUN
arjefm-85	54	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	54	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	54	10	american	american	PROPN
arjefm-85	54	11	research	research	PROPN
arjefm-85	54	12	journal	journal	PROPN
arjefm-85	54	13	of	of	ADP
arjefm-85	54	14	economics	economic	NOUN
arjefm-85	54	15	,	,	PUNCT
arjefm-85	54	16	finance	finance	NOUN
arjefm-85	54	17	and	and	CCONJ
arjefm-85	54	18	management	management	NOUN
arjefm-85	54	19	volume	volume	NOUN
arjefm-85	54	20	12	12	NUM
arjefm-85	54	21	issue	issue	NOUN
arjefm-85	54	22	1	1	NUM
arjefm-85	54	23	,	,	PUNCT
arjefm-85	54	24	january	january	PROPN
arjefm-85	54	25	-	-	PUNCT
arjefm-85	54	26	february	february	PROPN
arjefm-85	54	27	2024	2024	NUM
arjefm-85	54	28	issn	issn	NOUN
arjefm-85	54	29	:	:	PUNCT
arjefm-85	54	30	2836	2836	NUM
arjefm-85	54	31	-	-	SYM
arjefm-85	54	32	9416	9416	NUM
arjefm-85	54	33	impact	impact	NOUN
arjefm-85	54	34	factor	factor	NOUN
arjefm-85	54	35	:	:	PUNCT
arjefm-85	54	36	5.57	5.57	NUM
arjefm-85	54	37	journal	journal	NOUN
arjefm-85	54	38	homepage	homepage	NOUN
arjefm-85	54	39	:	:	PUNCT
arjefm-85	54	40	https://	https://	PROPN
arjefm-85	54	41	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	54	42	,	,	PUNCT
arjefm-85	54	43	email	email	NOUN
arjefm-85	54	44	:	:	PUNCT
arjefm-85	55	1	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	55	2	official	official	ADJ
arjefm-85	55	3	journal	journal	PROPN
arjefm-85	55	4	of	of	ADP
arjefm-85	55	5	america	america	PROPN
arjefm-85	55	6	serial	serial	PROPN
arjefm-85	55	7	publication	publication	NOUN
arjefm-85	55	8	advanced	advanced	ADJ
arjefm-85	55	9	journal	journal	NOUN
arjefm-85	55	10	of	of	ADP
arjefm-85	55	11	economics	economic	NOUN
arjefm-85	55	12	and	and	CCONJ
arjefm-85	55	13	business	business	NOUN
arjefm-85	55	14	research	research	NOUN
arjefm-85	55	15	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	55	16	,	,	PUNCT
arjefm-85	55	17	email	email	NOUN
arjefm-85	55	18	:	:	PUNCT
arjefm-85	55	19	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	56	1	49	49	NUM
arjefm-85	57	1	|	|	ADV
arjefm-85	57	2	p	p	X
arjefm-85	57	3	a	a	DET
arjefm-85	57	4	g	g	NOUN
arjefm-85	57	5	e	e	NOUN
arjefm-85	57	6	and	and	CCONJ
arjefm-85	57	7	security	security	NOUN
arjefm-85	57	8	shocks	shock	NOUN
arjefm-85	57	9	,	,	PUNCT
arjefm-85	57	10	bank	bank	NOUN
arjefm-85	57	11	reaction	reaction	NOUN
arjefm-85	57	12	was	be	AUX
arjefm-85	57	13	an	an	DET
arjefm-85	57	14	improvement	improvement	NOUN
arjefm-85	57	15	of	of	ADP
arjefm-85	57	16	prudential	prudential	ADJ
arjefm-85	57	17	ratios	ratio	NOUN
arjefm-85	57	18	.	.	PUNCT
arjefm-85	58	1	more	more	ADV
arjefm-85	58	2	specifically	specifically	ADV
arjefm-85	58	3	,	,	PUNCT
arjefm-85	58	4	after	after	ADP
arjefm-85	58	5	a	a	DET
arjefm-85	58	6	declining	decline	VERB
arjefm-85	58	7	to	to	ADP
arjefm-85	58	8	9	9	NUM
arjefm-85	58	9	per	per	NOUN
arjefm-85	58	10	cent	cent	NOUN
arjefm-85	58	11	at	at	ADP
arjefm-85	58	12	the	the	DET
arjefm-85	58	13	end	end	NOUN
arjefm-85	58	14	of	of	ADP
arjefm-85	58	15	2016	2016	NUM
arjefm-85	58	16	,	,	PUNCT
arjefm-85	58	17	the	the	DET
arjefm-85	58	18	system	system	NOUN
arjefm-85	58	19	wide	wide	ADJ
arjefm-85	58	20	capital	capital	NOUN
arjefm-85	58	21	adequacy	adequacy	NOUN
arjefm-85	58	22	ratio	ratio	NOUN
arjefm-85	58	23	increased	increase	VERB
arjefm-85	58	24	to	to	ADP
arjefm-85	58	25	10.7	10.7	NUM
arjefm-85	58	26	%	%	NOUN
arjefm-85	58	27	at	at	ADP
arjefm-85	58	28	the	the	DET
arjefm-85	58	29	end	end	NOUN
arjefm-85	58	30	of	of	ADP
arjefm-85	58	31	march	march	PROPN
arjefm-85	58	32	2018	2018	NUM
arjefm-85	58	33	(	(	PUNCT
arjefm-85	58	34	imf	imf	PROPN
arjefm-85	58	35	,	,	PUNCT
arjefm-85	58	36	2018	2018	NUM
arjefm-85	58	37	)	)	PUNCT
arjefm-85	58	38	.	.	PUNCT
arjefm-85	59	1	indeed	indeed	ADV
arjefm-85	59	2	,	,	PUNCT
arjefm-85	59	3	there	there	PRON
arjefm-85	59	4	are	be	VERB
arjefm-85	59	5	variations	variation	NOUN
arjefm-85	59	6	across	across	ADP
arjefm-85	59	7	banks	bank	NOUN
arjefm-85	59	8	on	on	ADP
arjefm-85	59	9	meeting	meet	VERB
arjefm-85	59	10	the	the	DET
arjefm-85	59	11	prudential	prudential	ADJ
arjefm-85	59	12	ratios	ratio	NOUN
arjefm-85	59	13	.	.	PUNCT
arjefm-85	60	1	in	in	ADP
arjefm-85	60	2	2015	2015	NUM
arjefm-85	60	3	seven	seven	NUM
arjefm-85	60	4	banks	bank	NOUN
arjefm-85	60	5	did	do	AUX
arjefm-85	60	6	not	not	PART
arjefm-85	60	7	have	have	VERB
arjefm-85	60	8	enough	enough	ADJ
arjefm-85	60	9	capital	capital	NOUN
arjefm-85	60	10	to	to	PART
arjefm-85	60	11	meet	meet	VERB
arjefm-85	60	12	capital	capital	NOUN
arjefm-85	60	13	requirement	requirement	NOUN
arjefm-85	60	14	of	of	ADP
arjefm-85	60	15	the	the	DET
arjefm-85	60	16	bank	bank	PROPN
arjefm-85	60	17	commission	commission	PROPN
arjefm-85	60	18	of	of	ADP
arjefm-85	60	19	central	central	PROPN
arjefm-85	60	20	africa	africa	PROPN
arjefm-85	60	21	states	states	PROPN
arjefm-85	60	22	(	(	PUNCT
arjefm-85	60	23	cobac	cobac	NOUN
arjefm-85	60	24	)	)	PUNCT
arjefm-85	60	25	,	,	PUNCT
arjefm-85	60	26	and	and	CCONJ
arjefm-85	60	27	four	four	NUM
arjefm-85	60	28	banks	bank	NOUN
arjefm-85	60	29	(	(	PUNCT
arjefm-85	60	30	13	13	NUM
arjefm-85	60	31	%	%	NOUN
arjefm-85	60	32	of	of	ADP
arjefm-85	60	33	banks	bank	NOUN
arjefm-85	60	34	’	’	PART
arjefm-85	60	35	total	total	ADJ
arjefm-85	60	36	assets	asset	NOUN
arjefm-85	60	37	)	)	PUNCT
arjefm-85	60	38	were	be	AUX
arjefm-85	60	39	in	in	ADP
arjefm-85	60	40	distress	distress	NOUN
arjefm-85	60	41	in	in	ADP
arjefm-85	60	42	2018	2018	NUM
arjefm-85	60	43	with	with	ADP
arjefm-85	60	44	3	3	NUM
arjefm-85	60	45	of	of	ADP
arjefm-85	60	46	them	they	PRON
arjefm-85	60	47	having	have	VERB
arjefm-85	60	48	negative	negative	ADJ
arjefm-85	60	49	capital	capital	NOUN
arjefm-85	60	50	.	.	PUNCT
arjefm-85	61	1	this	this	PRON
arjefm-85	61	2	seems	seem	VERB
arjefm-85	61	3	to	to	PART
arjefm-85	61	4	be	be	AUX
arjefm-85	61	5	in	in	ADP
arjefm-85	61	6	relation	relation	NOUN
arjefm-85	61	7	with	with	ADP
arjefm-85	61	8	bank	bank	NOUN
arjefm-85	61	9	ownership	ownership	NOUN
arjefm-85	61	10	.	.	PUNCT
arjefm-85	62	1	following	follow	VERB
arjefm-85	62	2	the	the	DET
arjefm-85	62	3	restructuring	restructuring	NOUN
arjefm-85	62	4	process	process	NOUN
arjefm-85	62	5	in	in	ADP
arjefm-85	62	6	the	the	DET
arjefm-85	62	7	cameroonian	cameroonian	ADJ
arjefm-85	62	8	banking	banking	NOUN
arjefm-85	62	9	system	system	NOUN
arjefm-85	62	10	,	,	PUNCT
arjefm-85	62	11	the	the	DET
arjefm-85	62	12	capital	capital	NOUN
arjefm-85	62	13	ownership	ownership	NOUN
arjefm-85	62	14	structure	structure	NOUN
arjefm-85	62	15	was	be	AUX
arjefm-85	62	16	modified	modify	VERB
arjefm-85	62	17	in	in	ADP
arjefm-85	62	18	favor	favor	NOUN
arjefm-85	62	19	of	of	ADP
arjefm-85	62	20	foreign	foreign	ADJ
arjefm-85	62	21	participation	participation	NOUN
arjefm-85	62	22	.	.	PUNCT
arjefm-85	63	1	table	table	NOUN
arjefm-85	63	2	1	1	NUM
arjefm-85	63	3	illustrates	illustrate	VERB
arjefm-85	63	4	the	the	DET
arjefm-85	63	5	selected	select	VERB
arjefm-85	63	6	banks	bank	NOUN
arjefm-85	63	7	in	in	ADP
arjefm-85	63	8	cameroon	cameroon	NOUN
arjefm-85	63	9	,	,	PUNCT
arjefm-85	63	10	and	and	CCONJ
arjefm-85	63	11	the	the	DET
arjefm-85	63	12	ownerships	ownership	NOUN
arjefm-85	63	13	structure	structure	NOUN
arjefm-85	63	14	of	of	ADP
arjefm-85	63	15	capital	capital	NOUN
arjefm-85	63	16	in	in	ADP
arjefm-85	63	17	2019	2019	NUM
arjefm-85	63	18	.	.	PUNCT
arjefm-85	64	1	this	this	DET
arjefm-85	64	2	preeminence	preeminence	NOUN
arjefm-85	64	3	of	of	ADP
arjefm-85	64	4	foreign	foreign	ADJ
arjefm-85	64	5	capital	capital	NOUN
arjefm-85	64	6	in	in	ADP
arjefm-85	64	7	banking	banking	NOUN
arjefm-85	64	8	can	can	AUX
arjefm-85	64	9	potentially	potentially	ADV
arjefm-85	64	10	expose	expose	VERB
arjefm-85	64	11	the	the	DET
arjefm-85	64	12	country	country	NOUN
arjefm-85	64	13	to	to	ADP
arjefm-85	64	14	external	external	ADJ
arjefm-85	64	15	shocks	shock	NOUN
arjefm-85	64	16	,	,	PUNCT
arjefm-85	64	17	as	as	SCONJ
arjefm-85	64	18	investors	investor	NOUN
arjefm-85	64	19	might	might	AUX
arjefm-85	64	20	at	at	ADP
arjefm-85	64	21	any	any	DET
arjefm-85	64	22	time	time	NOUN
arjefm-85	64	23	move	move	VERB
arjefm-85	64	24	their	their	PRON
arjefm-85	64	25	funds	fund	NOUN
arjefm-85	64	26	to	to	PART
arjefm-85	64	27	correct	correct	VERB
arjefm-85	64	28	imbalances	imbalance	NOUN
arjefm-85	64	29	in	in	ADP
arjefm-85	64	30	their	their	PRON
arjefm-85	64	31	domestic	domestic	ADJ
arjefm-85	64	32	economies	economy	NOUN
arjefm-85	64	33	.	.	PUNCT
arjefm-85	65	1	but	but	CCONJ
arjefm-85	65	2	this	this	PRON
arjefm-85	65	3	was	be	AUX
arjefm-85	65	4	not	not	PART
arjefm-85	65	5	the	the	DET
arjefm-85	65	6	case	case	NOUN
arjefm-85	65	7	in	in	ADP
arjefm-85	65	8	cameroon	cameroon	NOUN
arjefm-85	65	9	even	even	ADV
arjefm-85	65	10	during	during	ADP
arjefm-85	65	11	the	the	DET
arjefm-85	65	12	international	international	ADJ
arjefm-85	65	13	financial	financial	ADJ
arjefm-85	65	14	crisis	crisis	NOUN
arjefm-85	65	15	of	of	ADP
arjefm-85	65	16	subprime	subprime	NOUN
arjefm-85	65	17	.	.	PUNCT
arjefm-85	66	1	indeed	indeed	ADV
arjefm-85	66	2	,	,	PUNCT
arjefm-85	66	3	despite	despite	SCONJ
arjefm-85	66	4	the	the	DET
arjefm-85	66	5	importance	importance	NOUN
arjefm-85	66	6	of	of	ADP
arjefm-85	66	7	foreign	foreign	ADJ
arjefm-85	66	8	banks	bank	NOUN
arjefm-85	66	9	with	with	ADP
arjefm-85	66	10	parents	parent	NOUN
arjefm-85	66	11	that	that	PRON
arjefm-85	66	12	have	have	AUX
arjefm-85	66	13	been	be	AUX
arjefm-85	66	14	hit	hit	VERB
arjefm-85	66	15	,	,	PUNCT
arjefm-85	66	16	the	the	DET
arjefm-85	66	17	reaction	reaction	NOUN
arjefm-85	66	18	of	of	ADP
arjefm-85	66	19	commercial	commercial	ADJ
arjefm-85	66	20	banks	bank	NOUN
arjefm-85	66	21	in	in	ADP
arjefm-85	66	22	cameroon	cameroon	NOUN
arjefm-85	66	23	to	to	ADP
arjefm-85	66	24	this	this	DET
arjefm-85	66	25	external	external	ADJ
arjefm-85	66	26	shock	shock	NOUN
arjefm-85	66	27	was	be	AUX
arjefm-85	66	28	to	to	PART
arjefm-85	66	29	increase	increase	VERB
arjefm-85	66	30	collateral	collateral	ADJ
arjefm-85	66	31	requirements	requirement	NOUN
arjefm-85	66	32	,	,	PUNCT
arjefm-85	66	33	to	to	PART
arjefm-85	66	34	widen	widen	VERB
arjefm-85	66	35	their	their	PRON
arjefm-85	66	36	spread	spread	NOUN
arjefm-85	66	37	and	and	CCONJ
arjefm-85	66	38	refocus	refocus	VERB
arjefm-85	66	39	their	their	PRON
arjefm-85	66	40	portfolios	portfolio	NOUN
arjefm-85	66	41	on	on	ADP
arjefm-85	66	42	blue	blue	ADJ
arjefm-85	66	43	chip	chip	NOUN
arjefm-85	66	44	companies	company	NOUN
arjefm-85	66	45	and	and	CCONJ
arjefm-85	66	46	high	high	ADJ
arjefm-85	66	47	network	network	NOUN
arjefm-85	66	48	clients	client	NOUN
arjefm-85	66	49	,	,	PUNCT
arjefm-85	66	50	making	make	VERB
arjefm-85	66	51	access	access	NOUN
arjefm-85	66	52	to	to	ADP
arjefm-85	66	53	credit	credit	NOUN
arjefm-85	66	54	even	even	ADV
arjefm-85	66	55	more	more	ADV
arjefm-85	66	56	difficult	difficult	ADJ
arjefm-85	66	57	for	for	ADP
arjefm-85	66	58	smes	sme	NOUN
arjefm-85	66	59	.	.	PUNCT
arjefm-85	67	1	source	source	NOUN
arjefm-85	67	2	:	:	PUNCT
arjefm-85	67	3	cobac	cobac	PROPN
arjefm-85	67	4	.	.	PUNCT
arjefm-85	68	1	overall	overall	ADV
arjefm-85	68	2	,	,	PUNCT
arjefm-85	68	3	faced	face	VERB
arjefm-85	68	4	with	with	ADP
arjefm-85	68	5	exogeneous	exogeneous	ADJ
arjefm-85	68	6	shocks	shock	NOUN
arjefm-85	68	7	,	,	PUNCT
arjefm-85	68	8	the	the	DET
arjefm-85	68	9	reaction	reaction	NOUN
arjefm-85	68	10	of	of	ADP
arjefm-85	68	11	banking	banking	NOUN
arjefm-85	68	12	authorities	authority	NOUN
arjefm-85	68	13	is	be	AUX
arjefm-85	68	14	,	,	PUNCT
arjefm-85	68	15	in	in	ADP
arjefm-85	68	16	many	many	ADJ
arjefm-85	68	17	cases	case	NOUN
arjefm-85	68	18	,	,	PUNCT
arjefm-85	68	19	to	to	PART
arjefm-85	68	20	increase	increase	VERB
arjefm-85	68	21	capital	capital	NOUN
arjefm-85	68	22	adequacy	adequacy	NOUN
arjefm-85	68	23	ratios	ratio	NOUN
arjefm-85	68	24	to	to	PART
arjefm-85	68	25	cope	cope	VERB
arjefm-85	68	26	with	with	ADP
arjefm-85	68	27	bank	bank	NOUN
arjefm-85	68	28	risk	risk	NOUN
arjefm-85	68	29	taking	taking	NOUN
arjefm-85	68	30	.	.	PUNCT
arjefm-85	69	1	this	this	PRON
arjefm-85	69	2	shows	show	VERB
arjefm-85	69	3	their	their	PRON
arjefm-85	69	4	adhesion	adhesion	NOUN
arjefm-85	69	5	is	be	AUX
arjefm-85	69	6	not	not	PART
arjefm-85	69	7	only	only	ADV
arjefm-85	69	8	to	to	ADP
arjefm-85	69	9	the	the	DET
arjefm-85	69	10	idea	idea	NOUN
arjefm-85	69	11	table	table	NOUN
arjefm-85	69	12	1	1	NUM
arjefm-85	69	13	.	.	PUNCT
arjefm-85	69	14	ownership	ownership	NOUN
arjefm-85	69	15	structure	structure	NOUN
arjefm-85	69	16	of	of	ADP
arjefm-85	69	17	capital	capital	NOUN
arjefm-85	69	18	in	in	ADP
arjefm-85	69	19	selected	select	VERB
arjefm-85	69	20	cameroonian	cameroonian	ADJ
arjefm-85	69	21	banks	bank	NOUN
arjefm-85	69	22	(	(	PUNCT
arjefm-85	69	23	2019	2019	NUM
arjefm-85	69	24	)	)	PUNCT
arjefm-85	69	25	.	.	PUNCT
arjefm-85	70	1	banks	bank	NOUN
arjefm-85	70	2	government	government	NOUN
arjefm-85	70	3	foreign	foreign	ADJ
arjefm-85	70	4	capital	capital	NOUN
arjefm-85	70	5	domestic	domestic	ADJ
arjefm-85	70	6	capital	capital	NOUN
arjefm-85	70	7	others	other	NOUN
arjefm-85	70	8	bicec	bicec	VERB
arjefm-85	70	9	17,50	17,50	NUM
arjefm-85	70	10	70	70	NUM
arjefm-85	70	11	7.5	7.5	NUM
arjefm-85	70	12	5	5	NUM
arjefm-85	70	13	sgbc	sgbc	NOUN
arjefm-85	70	14	25,60	25,60	NUM
arjefm-85	70	15	58,06	58,06	NUM
arjefm-85	70	16	16,32	16,32	NUM
arjefm-85	70	17	afriland	afriland	NOUN
arjefm-85	70	18	74	74	NUM
arjefm-85	70	19	4	4	NUM
arjefm-85	70	20	22	22	NUM
arjefm-85	70	21	cbc	cbc	NOUN
arjefm-85	70	22	98,09	98,09	NUM
arjefm-85	70	23	1,91	1,91	NUM
arjefm-85	70	24	bgfi	bgfi	PROPN
arjefm-85	70	25	bank	bank	PROPN
arjefm-85	70	26	20	20	NUM
arjefm-85	70	27	70,69	70,69	NUM
arjefm-85	70	28	9,31	9,31	NUM
arjefm-85	70	29	ecobank	ecobank	NOUN
arjefm-85	70	30	79,80	79,80	NOUN
arjefm-85	70	31	9,35	9,35	NUM
arjefm-85	70	32	10,85	10,85	NOUN
arjefm-85	70	33	ubc	ubc	PROPN
arjefm-85	70	34	54	54	NUM
arjefm-85	70	35	37	37	NUM
arjefm-85	70	36	9	9	NUM
arjefm-85	70	37	uba	uba	PROPN
arjefm-85	70	38	17.5	17.5	NUM
arjefm-85	70	39	70	70	NUM
arjefm-85	70	40	7.5	7.5	NUM
arjefm-85	70	41	5	5	NUM
arjefm-85	70	42	scbc	scbc	NOUN
arjefm-85	70	43	100	100	NUM
arjefm-85	70	44	scb	scb	PROPN
arjefm-85	70	45	2.49	2.49	NUM
arjefm-85	70	46	97.51	97.51	NUM
arjefm-85	71	1	citibank	citibank	NOUN
arjefm-85	71	2	99,98	99,98	NOUN
arjefm-85	71	3	%	%	NOUN
arjefm-85	71	4	0,02	0,02	NUM
arjefm-85	71	5	%	%	NOUN
arjefm-85	71	6	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	71	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	71	8	american	american	PROPN
arjefm-85	71	9	research	research	PROPN
arjefm-85	71	10	journal	journal	PROPN
arjefm-85	71	11	of	of	ADP
arjefm-85	71	12	economics	economic	NOUN
arjefm-85	71	13	,	,	PUNCT
arjefm-85	71	14	finance	finance	NOUN
arjefm-85	71	15	and	and	CCONJ
arjefm-85	71	16	management	management	NOUN
arjefm-85	71	17	volume	volume	NOUN
arjefm-85	71	18	12	12	NUM
arjefm-85	71	19	issue	issue	NOUN
arjefm-85	71	20	1	1	NUM
arjefm-85	71	21	,	,	PUNCT
arjefm-85	71	22	january	january	PROPN
arjefm-85	71	23	-	-	PUNCT
arjefm-85	71	24	february	february	PROPN
arjefm-85	71	25	2024	2024	NUM
arjefm-85	71	26	issn	issn	NOUN
arjefm-85	71	27	:	:	PUNCT
arjefm-85	71	28	2836	2836	NUM
arjefm-85	71	29	-	-	SYM
arjefm-85	71	30	9416	9416	NUM
arjefm-85	71	31	impact	impact	NOUN
arjefm-85	71	32	factor	factor	NOUN
arjefm-85	71	33	:	:	PUNCT
arjefm-85	71	34	5.57	5.57	NUM
arjefm-85	71	35	journal	journal	NOUN
arjefm-85	71	36	homepage	homepage	NOUN
arjefm-85	71	37	:	:	PUNCT
arjefm-85	71	38	https://	https://	PROPN
arjefm-85	71	39	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	71	40	,	,	PUNCT
arjefm-85	71	41	email	email	NOUN
arjefm-85	71	42	:	:	PUNCT
arjefm-85	71	43	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	71	44	official	official	ADJ
arjefm-85	71	45	journal	journal	PROPN
arjefm-85	71	46	of	of	ADP
arjefm-85	71	47	america	america	PROPN
arjefm-85	71	48	serial	serial	PROPN
arjefm-85	71	49	publication	publication	NOUN
arjefm-85	71	50	advanced	advanced	ADJ
arjefm-85	71	51	journal	journal	NOUN
arjefm-85	71	52	of	of	ADP
arjefm-85	71	53	economics	economic	NOUN
arjefm-85	71	54	and	and	CCONJ
arjefm-85	71	55	business	business	NOUN
arjefm-85	71	56	research	research	NOUN
arjefm-85	71	57	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	71	58	,	,	PUNCT
arjefm-85	71	59	email	email	NOUN
arjefm-85	71	60	:	:	PUNCT
arjefm-85	71	61	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	72	1	50	50	NUM
arjefm-85	73	1	|	|	ADV
arjefm-85	73	2	p	p	NOUN
arjefm-85	73	3	a	a	DET
arjefm-85	73	4	g	g	NOUN
arjefm-85	73	5	e	e	NOUN
arjefm-85	73	6	of	of	ADP
arjefm-85	73	7	a	a	DET
arjefm-85	73	8	negative	negative	ADJ
arjefm-85	73	9	relationship	relationship	NOUN
arjefm-85	73	10	between	between	ADP
arjefm-85	73	11	bank	bank	NOUN
arjefm-85	73	12	capital	capital	NOUN
arjefm-85	73	13	and	and	CCONJ
arjefm-85	73	14	risk	risk	NOUN
arjefm-85	73	15	-	-	PUNCT
arjefm-85	73	16	taking	take	VERB
arjefm-85	73	17	behavior	behavior	NOUN
arjefm-85	73	18	of	of	ADP
arjefm-85	73	19	banks	bank	NOUN
arjefm-85	73	20	in	in	ADP
arjefm-85	73	21	accordance	accordance	NOUN
arjefm-85	73	22	with	with	ADP
arjefm-85	73	23	traditional	traditional	ADJ
arjefm-85	73	24	theoretical	theoretical	ADJ
arjefm-85	73	25	banking	banking	NOUN
arjefm-85	73	26	models	model	NOUN
arjefm-85	73	27	,	,	PUNCT
arjefm-85	73	28	but	but	CCONJ
arjefm-85	73	29	also	also	ADV
arjefm-85	73	30	to	to	ADP
arjefm-85	73	31	the	the	DET
arjefm-85	73	32	idea	idea	NOUN
arjefm-85	73	33	that	that	SCONJ
arjefm-85	73	34	such	such	DET
arjefm-85	73	35	an	an	DET
arjefm-85	73	36	action	action	NOUN
arjefm-85	73	37	can	can	AUX
arjefm-85	73	38	help	help	VERB
arjefm-85	73	39	reaching	reach	VERB
arjefm-85	73	40	at	at	ADP
arjefm-85	73	41	the	the	DET
arjefm-85	73	42	same	same	ADJ
arjefm-85	73	43	time	time	NOUN
arjefm-85	73	44	more	more	ADJ
arjefm-85	73	45	efficiency	efficiency	NOUN
arjefm-85	73	46	as	as	SCONJ
arjefm-85	73	47	required	require	VERB
arjefm-85	73	48	by	by	ADP
arjefm-85	73	49	the	the	DET
arjefm-85	73	50	reforms	reform	NOUN
arjefm-85	73	51	.	.	PUNCT
arjefm-85	74	1	furthermore	furthermore	ADV
arjefm-85	74	2	,	,	PUNCT
arjefm-85	74	3	by	by	ADP
arjefm-85	74	4	arguing	argue	VERB
arjefm-85	74	5	that	that	SCONJ
arjefm-85	74	6	non	non	ADJ
arjefm-85	74	7	-	-	ADJ
arjefm-85	74	8	performing	performing	ADJ
arjefm-85	74	9	loans	loan	NOUN
arjefm-85	74	10	are	be	AUX
arjefm-85	74	11	not	not	PART
arjefm-85	74	12	linked	link	VERB
arjefm-85	74	13	to	to	ADP
arjefm-85	74	14	external	external	ADJ
arjefm-85	74	15	shocks	shock	NOUN
arjefm-85	74	16	,	,	PUNCT
arjefm-85	74	17	imf	imf	PROPN
arjefm-85	74	18	(	(	PUNCT
arjefm-85	74	19	2018	2018	NUM
arjefm-85	74	20	)	)	PUNCT
arjefm-85	74	21	implicitly	implicitly	ADV
arjefm-85	74	22	suggests	suggest	VERB
arjefm-85	74	23	a	a	DET
arjefm-85	74	24	determining	determine	VERB
arjefm-85	74	25	role	role	NOUN
arjefm-85	74	26	of	of	ADP
arjefm-85	74	27	the	the	DET
arjefm-85	74	28	dynamics	dynamic	NOUN
arjefm-85	74	29	observed	observe	VERB
arjefm-85	74	30	at	at	ADP
arjefm-85	74	31	the	the	DET
arjefm-85	74	32	very	very	ADJ
arjefm-85	74	33	level	level	NOUN
arjefm-85	74	34	of	of	ADP
arjefm-85	74	35	cameroonian	cameroonian	ADJ
arjefm-85	74	36	commercial	commercial	ADJ
arjefm-85	74	37	banks	bank	NOUN
arjefm-85	74	38	as	as	SCONJ
arjefm-85	74	39	described	describe	VERB
arjefm-85	74	40	by	by	ADP
arjefm-85	74	41	the	the	DET
arjefm-85	74	42	bad	bad	ADJ
arjefm-85	74	43	management	management	NOUN
arjefm-85	74	44	hypothesis	hypothesis	NOUN
arjefm-85	74	45	.	.	PUNCT
arjefm-85	75	1	the	the	DET
arjefm-85	75	2	following	follow	VERB
arjefm-85	75	3	hypotheses	hypothesis	NOUN
arjefm-85	75	4	can	can	AUX
arjefm-85	75	5	therefore	therefore	ADV
arjefm-85	75	6	be	be	AUX
arjefm-85	75	7	formulated	formulate	VERB
arjefm-85	75	8	;	;	PUNCT
arjefm-85	75	9	h1	h1	NOUN
arjefm-85	75	10	:	:	PUNCT
arjefm-85	75	11	increase	increase	VERB
arjefm-85	75	12	in	in	ADP
arjefm-85	75	13	bank	bank	NOUN
arjefm-85	75	14	capital	capital	NOUN
arjefm-85	75	15	reduces	reduce	VERB
arjefm-85	75	16	commercial	commercial	ADJ
arjefm-85	75	17	banks	bank	NOUN
arjefm-85	75	18	’	'	PUNCT
arjefm-85	75	19	risk	risk	NOUN
arjefm-85	75	20	taking	take	VERB
arjefm-85	75	21	in	in	ADP
arjefm-85	75	22	cameroonian	cameroonian	ADJ
arjefm-85	75	23	banking	banking	NOUN
arjefm-85	75	24	system	system	NOUN
arjefm-85	75	25	h2	h2	NOUN
arjefm-85	75	26	:	:	PUNCT
arjefm-85	75	27	there	there	PRON
arjefm-85	75	28	are	be	VERB
arjefm-85	75	29	tradeoffs	tradeoff	NOUN
arjefm-85	75	30	between	between	ADP
arjefm-85	75	31	bank	bank	NOUN
arjefm-85	75	32	efficiency	efficiency	NOUN
arjefm-85	75	33	and	and	CCONJ
arjefm-85	75	34	bank	bank	NOUN
arjefm-85	75	35	risk	risk	NOUN
arjefm-85	75	36	taking	take	VERB
arjefm-85	75	37	in	in	ADP
arjefm-85	75	38	cameroonian	cameroonian	ADJ
arjefm-85	75	39	banking	banking	NOUN
arjefm-85	75	40	system	system	NOUN
arjefm-85	75	41	h3	h3	NOUN
arjefm-85	75	42	:	:	PUNCT
arjefm-85	75	43	inefficient	inefficient	ADJ
arjefm-85	75	44	banks	bank	NOUN
arjefm-85	75	45	run	run	VERB
arjefm-85	75	46	with	with	ADP
arjefm-85	75	47	higher	high	ADJ
arjefm-85	75	48	level	level	NOUN
arjefm-85	75	49	of	of	ADP
arjefm-85	75	50	capital	capital	NOUN
arjefm-85	75	51	in	in	ADP
arjefm-85	75	52	cameroonian	cameroonian	ADJ
arjefm-85	75	53	banking	banking	NOUN
arjefm-85	75	54	system	system	NOUN
arjefm-85	75	55	.	.	PUNCT
arjefm-85	76	1	theoretical	theoretical	ADJ
arjefm-85	76	2	arguments	argument	NOUN
arjefm-85	76	3	for	for	ADP
arjefm-85	76	4	a	a	DET
arjefm-85	76	5	great	great	ADJ
arjefm-85	76	6	number	number	NOUN
arjefm-85	76	7	of	of	ADP
arjefm-85	76	8	researchers	researcher	NOUN
arjefm-85	76	9	,	,	PUNCT
arjefm-85	76	10	risk	risk	NOUN
arjefm-85	76	11	-	-	PUNCT
arjefm-85	76	12	taking	take	VERB
arjefm-85	76	13	behavior	behavior	NOUN
arjefm-85	76	14	and	and	CCONJ
arjefm-85	76	15	cost	cost	NOUN
arjefm-85	76	16	efficiency	efficiency	NOUN
arjefm-85	76	17	are	be	AUX
arjefm-85	76	18	adversely	adversely	ADV
arjefm-85	76	19	related	relate	VERB
arjefm-85	76	20	in	in	ADP
arjefm-85	76	21	banking	banking	NOUN
arjefm-85	76	22	.	.	PUNCT
arjefm-85	77	1	at	at	ADP
arjefm-85	77	2	least	least	ADJ
arjefm-85	77	3	,	,	PUNCT
arjefm-85	77	4	two	two	NUM
arjefm-85	77	5	alternative	alternative	ADJ
arjefm-85	77	6	theoretical	theoretical	ADJ
arjefm-85	77	7	arguments	argument	NOUN
arjefm-85	77	8	allow	allow	VERB
arjefm-85	77	9	the	the	DET
arjefm-85	77	10	rationality	rationality	NOUN
arjefm-85	77	11	of	of	ADP
arjefm-85	77	12	such	such	DET
arjefm-85	77	13	a	a	DET
arjefm-85	77	14	position	position	NOUN
arjefm-85	77	15	to	to	PART
arjefm-85	77	16	be	be	AUX
arjefm-85	77	17	established	establish	VERB
arjefm-85	77	18	.	.	PUNCT
arjefm-85	78	1	firstly	firstly	ADV
arjefm-85	78	2	,	,	PUNCT
arjefm-85	78	3	the	the	DET
arjefm-85	78	4	berger	berger	PROPN
arjefm-85	78	5	and	and	CCONJ
arjefm-85	78	6	deyoung	deyoung	PROPN
arjefm-85	78	7	(	(	PUNCT
arjefm-85	78	8	1997	1997	NUM
arjefm-85	78	9	)	)	PUNCT
arjefm-85	78	10	’s	’	VERB
arjefm-85	78	11	bad	bad	ADJ
arjefm-85	78	12	luck	luck	NOUN
arjefm-85	78	13	hypothesis	hypothesis	NOUN
arjefm-85	78	14	in	in	ADP
arjefm-85	78	15	which	which	PRON
arjefm-85	78	16	,	,	PUNCT
arjefm-85	78	17	an	an	DET
arjefm-85	78	18	external	external	ADJ
arjefm-85	78	19	event	event	NOUN
arjefm-85	78	20	increasing	increase	VERB
arjefm-85	78	21	the	the	DET
arjefm-85	78	22	amount	amount	NOUN
arjefm-85	78	23	of	of	ADP
arjefm-85	78	24	problem	problem	NOUN
arjefm-85	78	25	loans	loan	NOUN
arjefm-85	78	26	may	may	AUX
arjefm-85	78	27	result	result	VERB
arjefm-85	78	28	in	in	ADP
arjefm-85	78	29	efforts	effort	NOUN
arjefm-85	78	30	to	to	PART
arjefm-85	78	31	service	service	VERB
arjefm-85	78	32	these	these	DET
arjefm-85	78	33	loans	loan	NOUN
arjefm-85	78	34	.	.	PUNCT
arjefm-85	79	1	this	this	PRON
arjefm-85	79	2	implies	imply	VERB
arjefm-85	79	3	higher	high	ADJ
arjefm-85	79	4	incurred	incurred	ADJ
arjefm-85	79	5	costs	cost	NOUN
arjefm-85	79	6	.	.	PUNCT
arjefm-85	80	1	according	accord	VERB
arjefm-85	80	2	to	to	ADP
arjefm-85	80	3	this	this	DET
arjefm-85	80	4	argumentation	argumentation	NOUN
arjefm-85	80	5	,	,	PUNCT
arjefm-85	80	6	such	such	ADJ
arjefm-85	80	7	exogenously	exogenously	ADV
arjefm-85	80	8	determined	determine	VERB
arjefm-85	80	9	increase	increase	NOUN
arjefm-85	80	10	in	in	ADP
arjefm-85	80	11	risk	risk	NOUN
arjefm-85	80	12	therefore	therefore	ADV
arjefm-85	80	13	impacts	impact	VERB
arjefm-85	80	14	negatively	negatively	ADV
arjefm-85	80	15	the	the	DET
arjefm-85	80	16	observed	observed	ADJ
arjefm-85	80	17	cost	cost	NOUN
arjefm-85	80	18	efficiency	efficiency	NOUN
arjefm-85	80	19	of	of	ADP
arjefm-85	80	20	banks	bank	NOUN
arjefm-85	80	21	:	:	PUNCT
arjefm-85	80	22	hence	hence	ADV
arjefm-85	80	23	the	the	DET
arjefm-85	80	24	idea	idea	NOUN
arjefm-85	80	25	of	of	ADP
arjefm-85	80	26	efficiencyrisks	efficiencyrisks	PROPN
arjefm-85	80	27	tradeoffs	tradeoff	NOUN
arjefm-85	80	28	in	in	ADP
arjefm-85	80	29	banking	banking	NOUN
arjefm-85	80	30	.	.	PUNCT
arjefm-85	81	1	thereby	thereby	ADV
arjefm-85	81	2	,	,	PUNCT
arjefm-85	81	3	the	the	DET
arjefm-85	81	4	causality	causality	NOUN
arjefm-85	81	5	runs	run	VERB
arjefm-85	81	6	from	from	ADP
arjefm-85	81	7	increase	increase	NOUN
arjefm-85	81	8	in	in	ADP
arjefm-85	81	9	bank	bank	NOUN
arjefm-85	81	10	risk	risk	NOUN
arjefm-85	81	11	due	due	ADP
arjefm-85	81	12	to	to	ADP
arjefm-85	81	13	external	external	ADJ
arjefm-85	81	14	shocks	shock	NOUN
arjefm-85	81	15	to	to	PART
arjefm-85	81	16	cost	cost	VERB
arjefm-85	81	17	efficiency	efficiency	NOUN
arjefm-85	81	18	decrease	decrease	NOUN
arjefm-85	81	19	.	.	PUNCT
arjefm-85	82	1	secondly	secondly	ADV
arjefm-85	82	2	,	,	PUNCT
arjefm-85	82	3	the	the	DET
arjefm-85	82	4	bad	bad	ADJ
arjefm-85	82	5	management	management	NOUN
arjefm-85	82	6	hypothesis	hypothesis	NOUN
arjefm-85	82	7	in	in	ADP
arjefm-85	82	8	this	this	DET
arjefm-85	82	9	alternative	alternative	ADJ
arjefm-85	82	10	argument	argument	NOUN
arjefm-85	82	11	is	be	AUX
arjefm-85	82	12	an	an	DET
arjefm-85	82	13	increase	increase	NOUN
arjefm-85	82	14	in	in	ADP
arjefm-85	82	15	the	the	DET
arjefm-85	82	16	amount	amount	NOUN
arjefm-85	82	17	of	of	ADP
arjefm-85	82	18	problem	problem	NOUN
arjefm-85	82	19	loans	loan	NOUN
arjefm-85	82	20	caused	cause	VERB
arjefm-85	82	21	by	by	ADP
arjefm-85	82	22	unwished	unwished	ADJ
arjefm-85	82	23	internal	internal	ADJ
arjefm-85	82	24	bank	bank	NOUN
arjefm-85	82	25	behaviors	behavior	NOUN
arjefm-85	82	26	.	.	PUNCT
arjefm-85	83	1	in	in	ADP
arjefm-85	83	2	such	such	DET
arjefm-85	83	3	a	a	DET
arjefm-85	83	4	case	case	NOUN
arjefm-85	83	5	,	,	PUNCT
arjefm-85	83	6	the	the	DET
arjefm-85	83	7	lower	low	ADJ
arjefm-85	83	8	cost	cost	NOUN
arjefm-85	83	9	efficiency	efficiency	NOUN
arjefm-85	83	10	is	be	AUX
arjefm-85	83	11	a	a	DET
arjefm-85	83	12	signal	signal	NOUN
arjefm-85	83	13	of	of	ADP
arjefm-85	83	14	poorly	poorly	ADV
arjefm-85	83	15	performing	perform	VERB
arjefm-85	83	16	management	management	NOUN
arjefm-85	83	17	,	,	PUNCT
arjefm-85	83	18	which	which	PRON
arjefm-85	83	19	has	have	VERB
arjefm-85	83	20	also	also	ADV
arjefm-85	83	21	poor	poor	ADJ
arjefm-85	83	22	control	control	NOUN
arjefm-85	83	23	over	over	ADP
arjefm-85	83	24	its	its	PRON
arjefm-85	83	25	loan	loan	NOUN
arjefm-85	83	26	portfolio	portfolio	NOUN
arjefm-85	83	27	.	.	PUNCT
arjefm-85	84	1	moreover	moreover	ADV
arjefm-85	84	2	,	,	PUNCT
arjefm-85	84	3	decrease	decrease	NOUN
arjefm-85	84	4	in	in	ADP
arjefm-85	84	5	efficiency	efficiency	NOUN
arjefm-85	84	6	can	can	AUX
arjefm-85	84	7	motivate	motivate	VERB
arjefm-85	84	8	the	the	DET
arjefm-85	84	9	bank	bank	NOUN
arjefm-85	84	10	to	to	PART
arjefm-85	84	11	boost	boost	VERB
arjefm-85	84	12	its	its	PRON
arjefm-85	84	13	risk	risk	NOUN
arjefm-85	84	14	in	in	ADP
arjefm-85	84	15	order	order	NOUN
arjefm-85	84	16	to	to	PART
arjefm-85	84	17	offset	offset	VERB
arjefm-85	84	18	the	the	DET
arjefm-85	84	19	lost	lose	VERB
arjefm-85	84	20	levels	level	NOUN
arjefm-85	84	21	of	of	ADP
arjefm-85	84	22	efficiency	efficiency	NOUN
arjefm-85	84	23	(	(	PUNCT
arjefm-85	84	24	nguyen	nguyen	NOUN
arjefm-85	84	25	and	and	CCONJ
arjefm-85	84	26	nghiem	nghiem	NOUN
arjefm-85	84	27	,	,	PUNCT
arjefm-85	84	28	2015	2015	NUM
arjefm-85	84	29	)	)	PUNCT
arjefm-85	84	30	.	.	PUNCT
arjefm-85	85	1	bank	bank	NOUN
arjefm-85	85	2	risk	risk	NOUN
arjefm-85	85	3	taking	taking	NOUN
arjefm-85	85	4	and	and	CCONJ
arjefm-85	85	5	efficiency	efficiency	NOUN
arjefm-85	85	6	relationships	relationship	NOUN
arjefm-85	85	7	are	be	AUX
arjefm-85	85	8	therefore	therefore	ADV
arjefm-85	85	9	negative	negative	ADJ
arjefm-85	85	10	.	.	PUNCT
arjefm-85	86	1	finally	finally	ADV
arjefm-85	86	2	,	,	PUNCT
arjefm-85	86	3	as	as	SCONJ
arjefm-85	86	4	noted	note	VERB
arjefm-85	86	5	by	by	ADP
arjefm-85	86	6	tan	tan	PROPN
arjefm-85	86	7	and	and	CCONJ
arjefm-85	86	8	floros	floros	PROPN
arjefm-85	86	9	(	(	PUNCT
arjefm-85	86	10	2013	2013	NUM
arjefm-85	86	11	)	)	PUNCT
arjefm-85	86	12	,	,	PUNCT
arjefm-85	86	13	a	a	DET
arjefm-85	86	14	part	part	NOUN
arjefm-85	86	15	from	from	ADP
arjefm-85	86	16	credit	credit	NOUN
arjefm-85	86	17	,	,	PUNCT
arjefm-85	86	18	poor	poor	ADJ
arjefm-85	86	19	managerial	managerial	ADJ
arjefm-85	86	20	practice	practice	NOUN
arjefm-85	86	21	can	can	AUX
arjefm-85	86	22	tarnish	tarnish	VERB
arjefm-85	86	23	banks	bank	NOUN
arjefm-85	86	24	’	’	PART
arjefm-85	86	25	reputation	reputation	NOUN
arjefm-85	86	26	and	and	CCONJ
arjefm-85	86	27	cause	cause	VERB
arjefm-85	86	28	market	market	NOUN
arjefm-85	86	29	problems	problem	NOUN
arjefm-85	86	30	.	.	PUNCT
arjefm-85	87	1	therefore	therefore	ADV
arjefm-85	87	2	,	,	PUNCT
arjefm-85	87	3	and	and	CCONJ
arjefm-85	87	4	unlike	unlike	ADP
arjefm-85	87	5	the	the	DET
arjefm-85	87	6	bad	bad	ADJ
arjefm-85	87	7	luck	luck	NOUN
arjefm-85	87	8	hypothesis	hypothesis	NOUN
arjefm-85	87	9	,	,	PUNCT
arjefm-85	87	10	in	in	ADP
arjefm-85	87	11	the	the	DET
arjefm-85	87	12	bad	bad	ADJ
arjefm-85	87	13	management	management	NOUN
arjefm-85	87	14	hypothesis	hypothesis	NOUN
arjefm-85	87	15	,	,	PUNCT
arjefm-85	87	16	internal	internal	ADJ
arjefm-85	87	17	lower	low	ADJ
arjefm-85	87	18	cost	cost	NOUN
arjefm-85	87	19	efficiency	efficiency	NOUN
arjefm-85	87	20	leads	lead	VERB
arjefm-85	87	21	to	to	ADP
arjefm-85	87	22	an	an	DET
arjefm-85	87	23	increase	increase	NOUN
arjefm-85	87	24	in	in	ADP
arjefm-85	87	25	problem	problem	NOUN
arjefm-85	87	26	loans	loan	NOUN
arjefm-85	87	27	.	.	PUNCT
arjefm-85	88	1	unlike	unlike	ADP
arjefm-85	88	2	the	the	DET
arjefm-85	88	3	arguments	argument	NOUN
arjefm-85	88	4	developed	develop	VERB
arjefm-85	88	5	so	so	ADV
arjefm-85	88	6	far	far	ADV
arjefm-85	88	7	,	,	PUNCT
arjefm-85	88	8	let	let	VERB
arjefm-85	88	9	us	we	PRON
arjefm-85	88	10	now	now	ADV
arjefm-85	88	11	differentiate	differentiate	VERB
arjefm-85	88	12	short	short	ADJ
arjefm-85	88	13	term	term	NOUN
arjefm-85	88	14	from	from	ADP
arjefm-85	88	15	long	long	ADJ
arjefm-85	88	16	term	term	NOUN
arjefm-85	88	17	consequences	consequence	NOUN
arjefm-85	88	18	.	.	PUNCT
arjefm-85	89	1	monitoring	monitoring	NOUN
arjefm-85	89	2	of	of	ADP
arjefm-85	89	3	loans	loan	NOUN
arjefm-85	89	4	has	have	VERB
arjefm-85	89	5	an	an	DET
arjefm-85	89	6	impact	impact	NOUN
arjefm-85	89	7	on	on	ADP
arjefm-85	89	8	both	both	CCONJ
arjefm-85	89	9	the	the	DET
arjefm-85	89	10	amount	amount	NOUN
arjefm-85	89	11	of	of	ADP
arjefm-85	89	12	non	non	ADJ
arjefm-85	89	13	-	-	ADJ
arjefm-85	89	14	performing	performing	ADJ
arjefm-85	89	15	loans	loan	NOUN
arjefm-85	89	16	and	and	CCONJ
arjefm-85	89	17	cost	cost	NOUN
arjefm-85	89	18	efficiency	efficiency	NOUN
arjefm-85	89	19	,	,	PUNCT
arjefm-85	89	20	and	and	CCONJ
arjefm-85	89	21	this	this	PRON
arjefm-85	89	22	would	would	AUX
arjefm-85	89	23	imply	imply	VERB
arjefm-85	89	24	possible	possible	ADJ
arjefm-85	89	25	intertemporal	intertemporal	ADJ
arjefm-85	89	26	tradeoff	tradeoff	NOUN
arjefm-85	89	27	between	between	ADP
arjefm-85	89	28	the	the	DET
arjefm-85	89	29	quality	quality	NOUN
arjefm-85	89	30	of	of	ADP
arjefm-85	89	31	loans	loan	NOUN
arjefm-85	89	32	and	and	CCONJ
arjefm-85	89	33	the	the	DET
arjefm-85	89	34	cost	cost	NOUN
arjefm-85	89	35	efficiency	efficiency	NOUN
arjefm-85	89	36	of	of	ADP
arjefm-85	89	37	the	the	DET
arjefm-85	89	38	bank	bank	NOUN
arjefm-85	89	39	.	.	PUNCT
arjefm-85	90	1	in	in	ADP
arjefm-85	90	2	fact	fact	NOUN
arjefm-85	90	3	,	,	PUNCT
arjefm-85	90	4	bank	bank	NOUN
arjefm-85	90	5	may	may	AUX
arjefm-85	90	6	skimp	skimp	VERB
arjefm-85	90	7	on	on	ADP
arjefm-85	90	8	the	the	DET
arjefm-85	90	9	resources	resource	NOUN
arjefm-85	90	10	devoted	devote	VERB
arjefm-85	90	11	to	to	ADP
arjefm-85	90	12	underwriting	underwriting	NOUN
arjefm-85	90	13	and	and	CCONJ
arjefm-85	90	14	monitoring	monitor	VERB
arjefm-85	90	15	loans	loan	NOUN
arjefm-85	90	16	,	,	PUNCT
arjefm-85	90	17	reducing	reduce	VERB
arjefm-85	90	18	operating	operating	NOUN
arjefm-85	90	19	cost	cost	NOUN
arjefm-85	90	20	and	and	CCONJ
arjefm-85	90	21	increasing	increase	VERB
arjefm-85	90	22	cost	cost	NOUN
arjefm-85	90	23	efficiency	efficiency	NOUN
arjefm-85	90	24	in	in	ADP
arjefm-85	90	25	the	the	DET
arjefm-85	90	26	short	short	ADJ
arjefm-85	90	27	run	run	NOUN
arjefm-85	90	28	.	.	PUNCT
arjefm-85	91	1	but	but	CCONJ
arjefm-85	91	2	such	such	DET
arjefm-85	91	3	a	a	DET
arjefm-85	91	4	behavior	behavior	NOUN
arjefm-85	91	5	may	may	AUX
arjefm-85	91	6	have	have	VERB
arjefm-85	91	7	an	an	DET
arjefm-85	91	8	impact	impact	NOUN
arjefm-85	91	9	on	on	ADP
arjefm-85	91	10	the	the	DET
arjefm-85	91	11	riskiness	riskiness	NOUN
arjefm-85	91	12	of	of	ADP
arjefm-85	91	13	the	the	DET
arjefm-85	91	14	portfolio	portfolio	NOUN
arjefm-85	91	15	in	in	ADP
arjefm-85	91	16	the	the	DET
arjefm-85	91	17	long	long	ADJ
arjefm-85	91	18	run	run	NOUN
arjefm-85	91	19	because	because	SCONJ
arjefm-85	91	20	non	non	ADJ
arjefm-85	91	21	-	-	ADJ
arjefm-85	91	22	performing	perform	VERB
arjefm-85	91	23	loans	loan	NOUN
arjefm-85	91	24	increase	increase	VERB
arjefm-85	91	25	as	as	SCONJ
arjefm-85	91	26	poorly	poorly	ADV
arjefm-85	91	27	monitored	monitor	VERB
arjefm-85	91	28	borrowers	borrower	NOUN
arjefm-85	91	29	fall	fall	VERB
arjefm-85	91	30	behind	behind	ADV
arjefm-85	91	31	in	in	ADP
arjefm-85	91	32	loan	loan	NOUN
arjefm-85	91	33	repayment	repayment	NOUN
arjefm-85	91	34	.	.	PUNCT
arjefm-85	92	1	hencloans	hencloan	NOUN
arjefm-85	92	2	monitoring	monitoring	NOUN
arjefm-85	92	3	appear	appear	VERB
arjefm-85	92	4	to	to	PART
arjefm-85	92	5	be	be	AUX
arjefm-85	92	6	more	more	ADV
arjefm-85	92	7	efficient	efficient	ADJ
arjefm-85	92	8	in	in	ADP
arjefm-85	92	9	the	the	DET
arjefm-85	92	10	short	short	ADJ
arjefm-85	92	11	term	term	NOUN
arjefm-85	92	12	(	(	PUNCT
arjefm-85	92	13	bashir	bashir	PROPN
arjefm-85	92	14	and	and	CCONJ
arjefm-85	92	15	hassan	hassan	PROPN
arjefm-85	92	16	,	,	PUNCT
arjefm-85	92	17	2017	2017	NUM
arjefm-85	92	18	;	;	PUNCT
arjefm-85	92	19	kolia	kolia	PROPN
arjefm-85	92	20	and	and	CCONJ
arjefm-85	92	21	papadopoulos	papadopoulos	PROPN
arjefm-85	92	22	(	(	PUNCT
arjefm-85	92	23	2020	2020	NUM
arjefm-85	92	24	)	)	PUNCT
arjefm-85	92	25	.	.	PUNCT
arjefm-85	93	1	but	but	CCONJ
arjefm-85	93	2	in	in	ADP
arjefm-85	93	3	the	the	DET
arjefm-85	93	4	long	long	ADJ
arjefm-85	93	5	term	term	NOUN
arjefm-85	93	6	,	,	PUNCT
arjefm-85	93	7	they	they	PRON
arjefm-85	93	8	take	take	VERB
arjefm-85	93	9	on	on	ADP
arjefm-85	93	10	higher	high	ADJ
arjefm-85	93	11	risk	risk	NOUN
arjefm-85	93	12	as	as	SCONJ
arjefm-85	93	13	this	this	DET
arjefm-85	93	14	management	management	NOUN
arjefm-85	93	15	behavior	behavior	NOUN
arjefm-85	93	16	affects	affect	VERB
arjefm-85	93	17	the	the	DET
arjefm-85	93	18	quality	quality	NOUN
arjefm-85	93	19	of	of	ADP
arjefm-85	93	20	future	future	ADJ
arjefm-85	93	21	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	93	22	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	94	1	american	american	PROPN
arjefm-85	94	2	research	research	PROPN
arjefm-85	94	3	journal	journal	PROPN
arjefm-85	94	4	of	of	ADP
arjefm-85	94	5	economics	economic	NOUN
arjefm-85	94	6	,	,	PUNCT
arjefm-85	94	7	finance	finance	NOUN
arjefm-85	94	8	and	and	CCONJ
arjefm-85	94	9	management	management	NOUN
arjefm-85	94	10	volume	volume	NOUN
arjefm-85	94	11	12	12	NUM
arjefm-85	94	12	issue	issue	NOUN
arjefm-85	94	13	1	1	NUM
arjefm-85	94	14	,	,	PUNCT
arjefm-85	94	15	january	january	PROPN
arjefm-85	94	16	-	-	PUNCT
arjefm-85	94	17	february	february	PROPN
arjefm-85	94	18	2024	2024	NUM
arjefm-85	94	19	issn	issn	NOUN
arjefm-85	94	20	:	:	PUNCT
arjefm-85	94	21	2836	2836	NUM
arjefm-85	94	22	-	-	SYM
arjefm-85	94	23	9416	9416	NUM
arjefm-85	94	24	impact	impact	NOUN
arjefm-85	94	25	factor	factor	NOUN
arjefm-85	94	26	:	:	PUNCT
arjefm-85	94	27	5.57	5.57	NUM
arjefm-85	94	28	journal	journal	NOUN
arjefm-85	94	29	homepage	homepage	NOUN
arjefm-85	94	30	:	:	PUNCT
arjefm-85	94	31	https://	https://	PROPN
arjefm-85	94	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	94	33	,	,	PUNCT
arjefm-85	94	34	email	email	NOUN
arjefm-85	94	35	:	:	PUNCT
arjefm-85	94	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	94	37	official	official	ADJ
arjefm-85	94	38	journal	journal	PROPN
arjefm-85	94	39	of	of	ADP
arjefm-85	94	40	america	america	PROPN
arjefm-85	94	41	serial	serial	PROPN
arjefm-85	94	42	publication	publication	NOUN
arjefm-85	94	43	advanced	advanced	ADJ
arjefm-85	94	44	journal	journal	NOUN
arjefm-85	94	45	of	of	ADP
arjefm-85	94	46	economics	economic	NOUN
arjefm-85	94	47	and	and	CCONJ
arjefm-85	94	48	business	business	NOUN
arjefm-85	94	49	research	research	NOUN
arjefm-85	94	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	94	51	,	,	PUNCT
arjefm-85	94	52	email	email	NOUN
arjefm-85	94	53	:	:	PUNCT
arjefm-85	94	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	95	1	51	51	NUM
arjefm-85	96	1	|	|	ADV
arjefm-85	96	2	p	p	X
arjefm-85	96	3	a	a	DET
arjefm-85	96	4	g	g	NOUN
arjefm-85	96	5	e	e	NOUN
arjefm-85	96	6	loans	loan	NOUN
arjefm-85	96	7	.	.	PUNCT
arjefm-85	97	1	this	this	DET
arjefm-85	97	2	theoretical	theoretical	ADJ
arjefm-85	97	3	position	position	NOUN
arjefm-85	97	4	called	call	VERB
arjefm-85	97	5	skimping	skimp	VERB
arjefm-85	97	6	hypothesis	hypothesis	NOUN
arjefm-85	97	7	in	in	ADP
arjefm-85	97	8	the	the	DET
arjefm-85	97	9	literature	literature	NOUN
arjefm-85	97	10	implies	imply	VERB
arjefm-85	97	11	a	a	DET
arjefm-85	97	12	positive	positive	ADJ
arjefm-85	97	13	relationship	relationship	NOUN
arjefm-85	97	14	between	between	ADP
arjefm-85	97	15	the	the	DET
arjefm-85	97	16	considered	consider	VERB
arjefm-85	97	17	variables	variable	NOUN
arjefm-85	97	18	and	and	CCONJ
arjefm-85	97	19	consequently	consequently	ADV
arjefm-85	97	20	a	a	DET
arjefm-85	97	21	rejection	rejection	NOUN
arjefm-85	97	22	of	of	ADP
arjefm-85	97	23	the	the	DET
arjefm-85	97	24	idea	idea	NOUN
arjefm-85	97	25	of	of	ADP
arjefm-85	97	26	tradeoffs	tradeoff	NOUN
arjefm-85	97	27	between	between	ADP
arjefm-85	97	28	efficiency	efficiency	NOUN
arjefm-85	97	29	and	and	CCONJ
arjefm-85	97	30	bank	bank	NOUN
arjefm-85	97	31	risk	risk	NOUN
arjefm-85	97	32	taking	take	VERB
arjefm-85	97	33	in	in	ADP
arjefm-85	97	34	banking	banking	NOUN
arjefm-85	97	35	.	.	PUNCT
arjefm-85	98	1	source	source	NOUN
arjefm-85	98	2	:	:	PUNCT
arjefm-85	98	3	authors	author	NOUN
arjefm-85	98	4	.	.	PUNCT
arjefm-85	99	1	the	the	DET
arjefm-85	99	2	mediating	mediate	VERB
arjefm-85	99	3	effect	effect	NOUN
arjefm-85	99	4	of	of	ADP
arjefm-85	99	5	risk	risk	NOUN
arjefm-85	99	6	taking	take	VERB
arjefm-85	99	7	in	in	ADP
arjefm-85	99	8	the	the	DET
arjefm-85	99	9	capitalefficiency	capitalefficiency	NOUN
arjefm-85	99	10	relationship	relationship	NOUN
arjefm-85	99	11	seminal	seminal	ADJ
arjefm-85	99	12	researches	research	VERB
arjefm-85	99	13	to	to	PART
arjefm-85	99	14	test	test	VERB
arjefm-85	99	15	the	the	DET
arjefm-85	99	16	alternatives	alternative	NOUN
arjefm-85	99	17	theoretical	theoretical	ADJ
arjefm-85	99	18	predictions	prediction	NOUN
arjefm-85	99	19	in	in	ADP
arjefm-85	99	20	any	any	DET
arjefm-85	99	21	us	us	PROPN
arjefm-85	99	22	(	(	PUNCT
arjefm-85	99	23	berger	berger	PROPN
arjefm-85	99	24	and	and	CCONJ
arjefm-85	99	25	deyoung	deyoung	PROPN
arjefm-85	99	26	,	,	PUNCT
arjefm-85	99	27	1997	1997	NUM
arjefm-85	99	28	;	;	PUNCT
arjefm-85	99	29	kwan	kwan	PROPN
arjefm-85	99	30	and	and	CCONJ
arjefm-85	99	31	eisenbeis	eisenbeis	NOUN
arjefm-85	99	32	,	,	PUNCT
arjefm-85	99	33	1997	1997	NUM
arjefm-85	99	34	)	)	PUNCT
arjefm-85	99	35	or	or	CCONJ
arjefm-85	99	36	european	european	ADJ
arjefm-85	99	37	countries	country	NOUN
arjefm-85	99	38	(	(	PUNCT
arjefm-85	99	39	williams	williams	PROPN
arjefm-85	99	40	,	,	PUNCT
arjefm-85	99	41	2004	2004	NUM
arjefm-85	99	42	;	;	PUNCT
arjefm-85	99	43	altunbas	altunbas	PROPN
arjefm-85	99	44	et	et	PROPN
arjefm-85	99	45	al	al	PROPN
arjefm-85	99	46	.	.	PROPN
arjefm-85	99	47	,	,	PUNCT
arjefm-85	99	48	2007	2007	NUM
arjefm-85	99	49	;	;	PUNCT
arjefm-85	99	50	fiordelisi	fiordelisi	PROPN
arjefm-85	99	51	et	et	PROPN
arjefm-85	99	52	al	al	PROPN
arjefm-85	99	53	.	.	PROPN
arjefm-85	99	54	,	,	PUNCT
arjefm-85	99	55	2011	2011	NUM
arjefm-85	99	56	)	)	PUNCT
arjefm-85	99	57	yield	yield	NOUN
arjefm-85	99	58	contradicting	contradict	VERB
arjefm-85	99	59	results	result	NOUN
arjefm-85	99	60	most	most	ADV
arjefm-85	99	61	explained	explain	VERB
arjefm-85	99	62	by	by	ADP
arjefm-85	99	63	the	the	DET
arjefm-85	99	64	differences	difference	NOUN
arjefm-85	99	65	in	in	ADP
arjefm-85	99	66	econometric	econometric	ADJ
arjefm-85	99	67	methods	method	NOUN
arjefm-85	99	68	.	.	PUNCT
arjefm-85	100	1	an	an	DET
arjefm-85	100	2	alternative	alternative	ADJ
arjefm-85	100	3	explanation	explanation	NOUN
arjefm-85	100	4	in	in	ADP
arjefm-85	100	5	this	this	DET
arjefm-85	100	6	paper	paper	NOUN
arjefm-85	100	7	is	be	AUX
arjefm-85	100	8	that	that	SCONJ
arjefm-85	100	9	the	the	DET
arjefm-85	100	10	rationality	rationality	NOUN
arjefm-85	100	11	of	of	ADP
arjefm-85	100	12	capital	capital	NOUN
arjefm-85	100	13	,	,	PUNCT
arjefm-85	100	14	risk	risk	NOUN
arjefm-85	100	15	and	and	CCONJ
arjefm-85	100	16	efficiency	efficiency	NOUN
arjefm-85	100	17	relationships	relationship	NOUN
arjefm-85	100	18	builds	build	VERB
arjefm-85	100	19	both	both	PRON
arjefm-85	100	20	on	on	ADP
arjefm-85	100	21	the	the	DET
arjefm-85	100	22	long	long	ADV
arjefm-85	100	23	-	-	PUNCT
arjefm-85	100	24	lasting	last	VERB
arjefm-85	100	25	bank	bank	NOUN
arjefm-85	100	26	capitalbank	capitalbank	NOUN
arjefm-85	100	27	risk	risk	NOUN
arjefm-85	100	28	controversy	controversy	NOUN
arjefm-85	100	29	in	in	ADP
arjefm-85	100	30	the	the	DET
arjefm-85	100	31	banking	banking	NOUN
arjefm-85	100	32	literature	literature	NOUN
arjefm-85	100	33	,	,	PUNCT
arjefm-85	100	34	and	and	CCONJ
arjefm-85	100	35	in	in	ADP
arjefm-85	100	36	the	the	DET
arjefm-85	100	37	more	more	ADV
arjefm-85	100	38	recent	recent	ADJ
arjefm-85	100	39	idea	idea	NOUN
arjefm-85	100	40	of	of	ADP
arjefm-85	100	41	bank	bank	NOUN
arjefm-85	100	42	risk	risk	NOUN
arjefm-85	100	43	-	-	PUNCT
arjefm-85	100	44	efficiency	efficiency	NOUN
arjefm-85	100	45	tradeoffs	tradeoff	NOUN
arjefm-85	100	46	.	.	PUNCT
arjefm-85	101	1	two	two	NUM
arjefm-85	101	2	dominant	dominant	ADJ
arjefm-85	101	3	and	and	CCONJ
arjefm-85	101	4	opposed	opposed	ADJ
arjefm-85	101	5	hypotheses	hypothesis	NOUN
arjefm-85	101	6	characterize	characterize	VERB
arjefm-85	101	7	the	the	DET
arjefm-85	101	8	capital	capital	NOUN
arjefm-85	101	9	-	-	PUNCT
arjefm-85	101	10	risk	risk	NOUN
arjefm-85	101	11	relationships	relationship	NOUN
arjefm-85	101	12	in	in	ADP
arjefm-85	101	13	the	the	DET
arjefm-85	101	14	banking	banking	NOUN
arjefm-85	101	15	literature	literature	NOUN
arjefm-85	101	16	.	.	PUNCT
arjefm-85	102	1	for	for	ADP
arjefm-85	102	2	the	the	DET
arjefm-85	102	3	proponents	proponent	NOUN
arjefm-85	102	4	of	of	ADP
arjefm-85	102	5	negative	negative	ADJ
arjefm-85	102	6	relationship	relationship	NOUN
arjefm-85	102	7	or	or	CCONJ
arjefm-85	102	8	proponents	proponent	NOUN
arjefm-85	102	9	of	of	ADP
arjefm-85	102	10	moral	moral	ADJ
arjefm-85	102	11	hazard	hazard	NOUN
arjefm-85	102	12	hypothesis	hypothesis	NOUN
arjefm-85	102	13	(	(	PUNCT
arjefm-85	102	14	lee	lee	PROPN
arjefm-85	102	15	and	and	CCONJ
arjefm-85	102	16	hsieh	hsieh	PROPN
arjefm-85	102	17	,	,	PUNCT
arjefm-85	102	18	2013	2013	NUM
arjefm-85	102	19	)	)	PUNCT
arjefm-85	102	20	,	,	PUNCT
arjefm-85	102	21	banks	bank	NOUN
arjefm-85	102	22	may	may	AUX
arjefm-85	102	23	have	have	VERB
arjefm-85	102	24	the	the	DET
arjefm-85	102	25	incentives	incentive	NOUN
arjefm-85	102	26	to	to	PART
arjefm-85	102	27	increase	increase	VERB
arjefm-85	102	28	their	their	PRON
arjefm-85	102	29	portfolio	portfolio	NOUN
arjefm-85	102	30	risk	risk	NOUN
arjefm-85	102	31	and	and	CCONJ
arjefm-85	102	32	leverage	leverage	NOUN
arjefm-85	102	33	due	due	ADJ
arjefm-85	102	34	to	to	ADP
arjefm-85	102	35	moral	moral	ADJ
arjefm-85	102	36	hazard	hazard	NOUN
arjefm-85	102	37	because	because	SCONJ
arjefm-85	102	38	financial	financial	ADJ
arjefm-85	102	39	contracts	contract	NOUN
arjefm-85	102	40	are	be	AUX
arjefm-85	102	41	incomplete	incomplete	ADJ
arjefm-85	102	42	.	.	PUNCT
arjefm-85	103	1	in	in	ADP
arjefm-85	103	2	fact	fact	NOUN
arjefm-85	103	3	,	,	PUNCT
arjefm-85	103	4	bank	bank	NOUN
arjefm-85	103	5	managers	manager	NOUN
arjefm-85	103	6	usually	usually	ADV
arjefm-85	103	7	exploit	exploit	VERB
arjefm-85	103	8	the	the	DET
arjefm-85	103	9	rights	right	NOUN
arjefm-85	103	10	of	of	ADP
arjefm-85	103	11	depositors	depositor	NOUN
arjefm-85	103	12	that	that	SCONJ
arjefm-85	103	13	they	they	PRON
arjefm-85	103	14	primarily	primarily	ADV
arjefm-85	103	15	favor	favor	VERB
arjefm-85	103	16	their	their	PRON
arjefm-85	103	17	interest	interest	NOUN
arjefm-85	103	18	in	in	ADP
arjefm-85	103	19	managerial	managerial	ADJ
arjefm-85	103	20	compensation	compensation	NOUN
arjefm-85	103	21	and	and	CCONJ
arjefm-85	103	22	support	support	VERB
arjefm-85	103	23	the	the	DET
arjefm-85	103	24	benefit	benefit	NOUN
arjefm-85	103	25	of	of	ADP
arjefm-85	103	26	shareholders	shareholder	NOUN
arjefm-85	103	27	for	for	ADP
arjefm-85	103	28	their	their	PRON
arjefm-85	103	29	wealth	wealth	NOUN
arjefm-85	103	30	maximization	maximization	NOUN
arjefm-85	103	31	.	.	PUNCT
arjefm-85	104	1	on	on	ADP
arjefm-85	104	2	the	the	DET
arjefm-85	104	3	contrary	contrary	NOUN
arjefm-85	104	4	,	,	PUNCT
arjefm-85	104	5	proponents	proponent	NOUN
arjefm-85	104	6	of	of	ADP
arjefm-85	104	7	the	the	DET
arjefm-85	104	8	regulatory	regulatory	ADJ
arjefm-85	104	9	approach	approach	NOUN
arjefm-85	104	10	suggest	suggest	VERB
arjefm-85	104	11	that	that	SCONJ
arjefm-85	104	12	banks	bank	NOUN
arjefm-85	104	13	are	be	AUX
arjefm-85	104	14	required	require	VERB
arjefm-85	104	15	to	to	PART
arjefm-85	104	16	increase	increase	VERB
arjefm-85	104	17	their	their	PRON
arjefm-85	104	18	capital	capital	NOUN
arjefm-85	104	19	in	in	ADP
arjefm-85	104	20	increased	increase	VERB
arjefm-85	104	21	risk	risk	NOUN
arjefm-85	104	22	taking	taking	NOUN
arjefm-85	104	23	.	.	PUNCT
arjefm-85	105	1	regulators	regulator	NOUN
arjefm-85	105	2	therefore	therefore	ADV
arjefm-85	105	3	suggest	suggest	VERB
arjefm-85	105	4	the	the	DET
arjefm-85	105	5	positive	positive	ADJ
arjefm-85	105	6	bank	bank	NOUN
arjefm-85	105	7	capitalrisk	capitalrisk	NOUN
arjefm-85	105	8	relationship	relationship	NOUN
arjefm-85	105	9	to	to	PART
arjefm-85	105	10	reduce	reduce	VERB
arjefm-85	105	11	the	the	DET
arjefm-85	105	12	problem	problem	NOUN
arjefm-85	105	13	of	of	ADP
arjefm-85	105	14	bankruptcy	bankruptcy	NOUN
arjefm-85	105	15	owing	owe	VERB
arjefm-85	105	16	to	to	ADP
arjefm-85	105	17	higher	high	ADJ
arjefm-85	105	18	risk	risk	NOUN
arjefm-85	105	19	and	and	CCONJ
arjefm-85	105	20	lower	low	ADJ
arjefm-85	105	21	capital	capital	NOUN
arjefm-85	105	22	.	.	PUNCT
arjefm-85	106	1	hence	hence	ADV
arjefm-85	106	2	,	,	PUNCT
arjefm-85	106	3	linking	link	VERB
arjefm-85	106	4	these	these	DET
arjefm-85	106	5	two	two	NUM
arjefm-85	106	6	strands	strand	NOUN
arjefm-85	106	7	of	of	ADP
arjefm-85	106	8	the	the	DET
arjefm-85	106	9	banking	banking	NOUN
arjefm-85	106	10	literature	literature	NOUN
arjefm-85	106	11	might	might	AUX
arjefm-85	106	12	help	help	VERB
arjefm-85	106	13	to	to	PART
arjefm-85	106	14	establish	establish	VERB
arjefm-85	106	15	the	the	DET
arjefm-85	106	16	mediating	mediate	VERB
arjefm-85	106	17	effect	effect	NOUN
arjefm-85	106	18	of	of	ADP
arjefm-85	106	19	risk	risk	NOUN
arjefm-85	106	20	in	in	ADP
arjefm-85	106	21	the	the	DET
arjefm-85	106	22	capital	capital	NOUN
arjefm-85	106	23	efficiency	efficiency	NOUN
arjefm-85	106	24	relationships	relationship	NOUN
arjefm-85	106	25	,	,	PUNCT
arjefm-85	106	26	connecting	connect	VERB
arjefm-85	106	27	definitively	definitively	ADV
arjefm-85	106	28	the	the	DET
arjefm-85	106	29	three	three	NUM
arjefm-85	106	30	variables	variable	NOUN
arjefm-85	106	31	.	.	PUNCT
arjefm-85	107	1	we	we	PRON
arjefm-85	107	2	clearly	clearly	ADV
arjefm-85	107	3	distinguish	distinguish	VERB
arjefm-85	107	4	the	the	DET
arjefm-85	107	5	case	case	NOUN
arjefm-85	107	6	tradeoffs	tradeoff	NOUN
arjefm-85	107	7	hold	hold	VERB
arjefm-85	107	8	from	from	ADP
arjefm-85	107	9	the	the	DET
arjefm-85	107	10	case	case	NOUN
arjefm-85	107	11	tradeoffs	tradeoff	NOUN
arjefm-85	107	12	is	be	AUX
arjefm-85	107	13	rejected	reject	VERB
arjefm-85	107	14	.	.	PUNCT
arjefm-85	107	15	table	table	NOUN
arjefm-85	107	16	2	2	NUM
arjefm-85	107	17	.	.	PUNCT
arjefm-85	107	18	theoretical	theoretical	ADJ
arjefm-85	107	19	bank	bank	PROPN
arjefm-85	107	20	capital	capital	NOUN
arjefm-85	107	21	,	,	PUNCT
arjefm-85	107	22	risk	risk	NOUN
arjefm-85	107	23	taking	taking	NOUN
arjefm-85	107	24	and	and	CCONJ
arjefm-85	107	25	efficiency	efficiency	NOUN
arjefm-85	107	26	interlinks	interlink	NOUN
arjefm-85	107	27	.	.	PUNCT
arjefm-85	108	1	risk	risk	NOUN
arjefm-85	108	2	-	-	PUNCT
arjefm-85	108	3	capital	capital	NOUN
arjefm-85	108	4	negative	negative	ADJ
arjefm-85	108	5	relationship	relationship	NOUN
arjefm-85	108	6	positive	positive	ADJ
arjefm-85	108	7	relationship	relationship	NOUN
arjefm-85	108	8	no	no	DET
arjefm-85	108	9	relationship	relationship	NOUN
arjefm-85	108	10	risk	risk	NOUN
arjefm-85	108	11	-	-	PUNCT
arjefm-85	108	12	efficiency	efficiency	NOUN
arjefm-85	108	13	(	(	PUNCT
arjefm-85	108	14	hazard	hazard	NOUN
arjefm-85	108	15	moral	moral	ADJ
arjefm-85	108	16	hypothesis	hypothesis	NOUN
arjefm-85	108	17	)	)	PUNCT
arjefm-85	108	18	(	(	PUNCT
arjefm-85	108	19	regulatory	regulatory	ADJ
arjefm-85	108	20	theory	theory	NOUN
arjefm-85	108	21	)	)	PUNCT
arjefm-85	108	22	trade	trade	NOUN
arjefm-85	108	23	offs	off	NOUN
arjefm-85	108	24	bad	bad	ADJ
arjefm-85	108	25	management	management	NOUN
arjefm-85	108	26	hypothesis	hypothesis	NOUN
arjefm-85	108	27	bad	bad	ADJ
arjefm-85	108	28	luck	luck	NOUN
arjefm-85	108	29	hypothesis	hypothesis	NOUN
arjefm-85	108	30	lower	low	ADJ
arjefm-85	108	31	efficiency	efficiency	NOUN
arjefm-85	108	32	higher	high	ADJ
arjefm-85	108	33	efficiency	efficiency	NOUN
arjefm-85	108	34	no	no	DET
arjefm-85	108	35	effect	effect	NOUN
arjefm-85	108	36	no	no	DET
arjefm-85	108	37	trade	trade	NOUN
arjefm-85	108	38	offs	off	NOUN
arjefm-85	108	39	skimping	skimp	VERB
arjefm-85	108	40	hypothesis	hypothesis	NOUN
arjefm-85	108	41	higher	high	ADJ
arjefm-85	108	42	efficiency	efficiency	NOUN
arjefm-85	108	43	lower	low	ADJ
arjefm-85	108	44	efficiency	efficiency	NOUN
arjefm-85	108	45	no	no	DET
arjefm-85	108	46	effect	effect	NOUN
arjefm-85	108	47	no	no	DET
arjefm-85	108	48	relationship	relationship	NOUN
arjefm-85	108	49	no	no	DET
arjefm-85	108	50	effect	effect	NOUN
arjefm-85	108	51	no	no	DET
arjefm-85	108	52	effect	effect	NOUN
arjefm-85	108	53	no	no	DET
arjefm-85	108	54	effect	effect	NOUN
arjefm-85	108	55	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	108	56	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	108	57	american	american	PROPN
arjefm-85	108	58	research	research	PROPN
arjefm-85	108	59	journal	journal	PROPN
arjefm-85	108	60	of	of	ADP
arjefm-85	108	61	economics	economic	NOUN
arjefm-85	108	62	,	,	PUNCT
arjefm-85	108	63	finance	finance	NOUN
arjefm-85	108	64	and	and	CCONJ
arjefm-85	108	65	management	management	NOUN
arjefm-85	108	66	volume	volume	NOUN
arjefm-85	108	67	12	12	NUM
arjefm-85	108	68	issue	issue	NOUN
arjefm-85	108	69	1	1	NUM
arjefm-85	108	70	,	,	PUNCT
arjefm-85	108	71	january	january	PROPN
arjefm-85	108	72	-	-	PUNCT
arjefm-85	108	73	february	february	PROPN
arjefm-85	108	74	2024	2024	NUM
arjefm-85	108	75	issn	issn	NOUN
arjefm-85	108	76	:	:	PUNCT
arjefm-85	108	77	2836	2836	NUM
arjefm-85	108	78	-	-	SYM
arjefm-85	108	79	9416	9416	NUM
arjefm-85	108	80	impact	impact	NOUN
arjefm-85	108	81	factor	factor	NOUN
arjefm-85	108	82	:	:	PUNCT
arjefm-85	108	83	5.57	5.57	NUM
arjefm-85	108	84	journal	journal	NOUN
arjefm-85	108	85	homepage	homepage	NOUN
arjefm-85	108	86	:	:	PUNCT
arjefm-85	108	87	https://	https://	PROPN
arjefm-85	108	88	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	108	89	,	,	PUNCT
arjefm-85	108	90	email	email	NOUN
arjefm-85	108	91	:	:	PUNCT
arjefm-85	108	92	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	108	93	official	official	ADJ
arjefm-85	108	94	journal	journal	PROPN
arjefm-85	108	95	of	of	ADP
arjefm-85	108	96	america	america	PROPN
arjefm-85	108	97	serial	serial	PROPN
arjefm-85	108	98	publication	publication	NOUN
arjefm-85	108	99	advanced	advanced	ADJ
arjefm-85	108	100	journal	journal	NOUN
arjefm-85	108	101	of	of	ADP
arjefm-85	108	102	economics	economic	NOUN
arjefm-85	108	103	and	and	CCONJ
arjefm-85	108	104	business	business	NOUN
arjefm-85	108	105	research	research	NOUN
arjefm-85	108	106	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	108	107	,	,	PUNCT
arjefm-85	108	108	email	email	NOUN
arjefm-85	108	109	:	:	PUNCT
arjefm-85	108	110	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	109	1	52	52	NUM
arjefm-85	110	1	|	|	ADV
arjefm-85	110	2	p	p	X
arjefm-85	110	3	a	a	DET
arjefm-85	110	4	g	g	NOUN
arjefm-85	110	5	e	e	NOUN
arjefm-85	110	6	if	if	SCONJ
arjefm-85	110	7	the	the	DET
arjefm-85	110	8	tradeoffs	tradeoff	NOUN
arjefm-85	110	9	hold	hold	VERB
arjefm-85	110	10	and	and	CCONJ
arjefm-85	110	11	bank	bank	NOUN
arjefm-85	110	12	capital	capital	NOUN
arjefm-85	110	13	and	and	CCONJ
arjefm-85	110	14	risk	risk	NOUN
arjefm-85	110	15	are	be	AUX
arjefm-85	110	16	related	relate	VERB
arjefm-85	110	17	negatively	negatively	ADV
arjefm-85	110	18	,	,	PUNCT
arjefm-85	110	19	an	an	DET
arjefm-85	110	20	increase	increase	NOUN
arjefm-85	110	21	in	in	ADP
arjefm-85	110	22	capital	capital	NOUN
arjefm-85	110	23	requirements	requirement	NOUN
arjefm-85	110	24	will	will	AUX
arjefm-85	110	25	result	result	VERB
arjefm-85	110	26	in	in	ADP
arjefm-85	110	27	a	a	DET
arjefm-85	110	28	deterioration	deterioration	NOUN
arjefm-85	110	29	of	of	ADP
arjefm-85	110	30	bank	bank	NOUN
arjefm-85	110	31	risk	risk	NOUN
arjefm-85	110	32	taking	take	VERB
arjefm-85	110	33	behavior	behavior	NOUN
arjefm-85	110	34	.	.	PUNCT
arjefm-85	111	1	the	the	DET
arjefm-85	111	2	higher	high	ADJ
arjefm-85	111	3	level	level	NOUN
arjefm-85	111	4	of	of	ADP
arjefm-85	111	5	bank	bank	NOUN
arjefm-85	111	6	risk	risk	NOUN
arjefm-85	111	7	will	will	AUX
arjefm-85	111	8	in	in	ADP
arjefm-85	111	9	turn	turn	NOUN
arjefm-85	111	10	decrease	decrease	VERB
arjefm-85	111	11	bank	bank	NOUN
arjefm-85	111	12	cost	cost	NOUN
arjefm-85	111	13	efficiency	efficiency	NOUN
arjefm-85	111	14	.	.	PUNCT
arjefm-85	112	1	let	let	VERB
arjefm-85	112	2	us	we	PRON
arjefm-85	112	3	now	now	ADV
arjefm-85	112	4	suppose	suppose	VERB
arjefm-85	112	5	in	in	ADP
arjefm-85	112	6	the	the	DET
arjefm-85	112	7	same	same	ADJ
arjefm-85	112	8	case	case	NOUN
arjefm-85	112	9	,	,	PUNCT
arjefm-85	112	10	a	a	DET
arjefm-85	112	11	positive	positive	ADJ
arjefm-85	112	12	capital	capital	NOUN
arjefm-85	112	13	-	-	PUNCT
arjefm-85	112	14	risk	risk	NOUN
arjefm-85	112	15	relationship	relationship	NOUN
arjefm-85	112	16	.	.	PUNCT
arjefm-85	113	1	an	an	DET
arjefm-85	113	2	increase	increase	NOUN
arjefm-85	113	3	in	in	ADP
arjefm-85	113	4	capital	capital	NOUN
arjefm-85	113	5	requirements	requirement	NOUN
arjefm-85	113	6	in	in	ADP
arjefm-85	113	7	this	this	DET
arjefm-85	113	8	case	case	NOUN
arjefm-85	113	9	improves	improve	VERB
arjefm-85	113	10	the	the	DET
arjefm-85	113	11	bank	bank	NOUN
arjefm-85	113	12	risk	risk	NOUN
arjefm-85	113	13	-	-	PUNCT
arjefm-85	113	14	taking	take	VERB
arjefm-85	113	15	behavior	behavior	NOUN
arjefm-85	113	16	(	(	PUNCT
arjefm-85	113	17	decrease	decrease	NOUN
arjefm-85	113	18	of	of	ADP
arjefm-85	113	19	risk	risk	NOUN
arjefm-85	113	20	)	)	PUNCT
arjefm-85	113	21	and	and	CCONJ
arjefm-85	113	22	hence	hence	ADV
arjefm-85	113	23	,	,	PUNCT
arjefm-85	113	24	leads	lead	VERB
arjefm-85	113	25	to	to	ADP
arjefm-85	113	26	higher	high	ADJ
arjefm-85	113	27	bank	bank	NOUN
arjefm-85	113	28	cost	cost	NOUN
arjefm-85	113	29	efficiency	efficiency	NOUN
arjefm-85	113	30	in	in	ADP
arjefm-85	113	31	the	the	DET
arjefm-85	113	32	long	long	ADJ
arjefm-85	113	33	term	term	NOUN
arjefm-85	113	34	.	.	PUNCT
arjefm-85	114	1	let	let	VERB
arjefm-85	114	2	us	we	PRON
arjefm-85	114	3	now	now	ADV
arjefm-85	114	4	suppose	suppose	VERB
arjefm-85	114	5	that	that	SCONJ
arjefm-85	114	6	the	the	DET
arjefm-85	114	7	bank	bank	NOUN
arjefm-85	114	8	efficiency	efficiency	NOUN
arjefm-85	114	9	-	-	PUNCT
arjefm-85	114	10	bank	bank	NOUN
arjefm-85	114	11	risk	risk	NOUN
arjefm-85	114	12	tradeoffs	tradeoff	NOUN
arjefm-85	114	13	do	do	AUX
arjefm-85	114	14	not	not	PART
arjefm-85	114	15	hold	hold	VERB
arjefm-85	114	16	.	.	PUNCT
arjefm-85	115	1	if	if	SCONJ
arjefm-85	115	2	bank	bank	NOUN
arjefm-85	115	3	capital	capital	NOUN
arjefm-85	115	4	and	and	CCONJ
arjefm-85	115	5	risk	risk	NOUN
arjefm-85	115	6	are	be	AUX
arjefm-85	115	7	related	relate	VERB
arjefm-85	115	8	negatively	negatively	ADV
arjefm-85	115	9	,	,	PUNCT
arjefm-85	115	10	an	an	DET
arjefm-85	115	11	increase	increase	NOUN
arjefm-85	115	12	in	in	ADP
arjefm-85	115	13	capital	capital	NOUN
arjefm-85	115	14	requirements	requirement	NOUN
arjefm-85	115	15	improves	improve	VERB
arjefm-85	115	16	bank	bank	NOUN
arjefm-85	115	17	risk	risk	NOUN
arjefm-85	115	18	behavior	behavior	NOUN
arjefm-85	115	19	.	.	PUNCT
arjefm-85	116	1	the	the	DET
arjefm-85	116	2	lowering	lowering	NOUN
arjefm-85	116	3	of	of	ADP
arjefm-85	116	4	risk	risk	NOUN
arjefm-85	116	5	deteriorates	deteriorate	VERB
arjefm-85	116	6	in	in	ADP
arjefm-85	116	7	this	this	DET
arjefm-85	116	8	case	case	NOUN
arjefm-85	116	9	bank	bank	NOUN
arjefm-85	116	10	cost	cost	NOUN
arjefm-85	116	11	efficiency	efficiency	NOUN
arjefm-85	116	12	.	.	PUNCT
arjefm-85	117	1	on	on	ADP
arjefm-85	117	2	the	the	DET
arjefm-85	117	3	contrary	contrary	NOUN
arjefm-85	117	4	,	,	PUNCT
arjefm-85	117	5	if	if	SCONJ
arjefm-85	117	6	there	there	PRON
arjefm-85	117	7	is	be	VERB
arjefm-85	117	8	a	a	DET
arjefm-85	117	9	positive	positive	ADJ
arjefm-85	117	10	capital	capital	NOUN
arjefm-85	117	11	-	-	PUNCT
arjefm-85	117	12	risk	risk	NOUN
arjefm-85	117	13	relationship	relationship	NOUN
arjefm-85	117	14	,	,	PUNCT
arjefm-85	117	15	changes	change	NOUN
arjefm-85	117	16	in	in	ADP
arjefm-85	117	17	capital	capital	NOUN
arjefm-85	117	18	requirements	requirement	NOUN
arjefm-85	117	19	affect	affect	VERB
arjefm-85	117	20	in	in	ADP
arjefm-85	117	21	the	the	DET
arjefm-85	117	22	same	same	ADJ
arjefm-85	117	23	direction	direction	NOUN
arjefm-85	117	24	bank	bank	NOUN
arjefm-85	117	25	risk	risk	NOUN
arjefm-85	117	26	.	.	PUNCT
arjefm-85	118	1	therefore	therefore	ADV
arjefm-85	118	2	,	,	PUNCT
arjefm-85	118	3	increase	increase	VERB
arjefm-85	118	4	in	in	ADP
arjefm-85	118	5	capital	capital	NOUN
arjefm-85	118	6	requirements	requirement	NOUN
arjefm-85	118	7	results	result	NOUN
arjefm-85	118	8	in	in	ADP
arjefm-85	118	9	higher	high	ADJ
arjefm-85	118	10	bank	bank	NOUN
arjefm-85	118	11	cost	cost	NOUN
arjefm-85	118	12	efficiency	efficiency	NOUN
arjefm-85	118	13	.	.	PUNCT
arjefm-85	119	1	table	table	NOUN
arjefm-85	119	2	2	2	NUM
arjefm-85	119	3	summarizes	summarize	NOUN
arjefm-85	119	4	the	the	DET
arjefm-85	119	5	theoretical	theoretical	ADJ
arjefm-85	119	6	relationships	relationship	NOUN
arjefm-85	119	7	between	between	ADP
arjefm-85	119	8	the	the	DET
arjefm-85	119	9	three	three	NUM
arjefm-85	119	10	variables	variable	NOUN
arjefm-85	119	11	in	in	ADP
arjefm-85	119	12	the	the	DET
arjefm-85	119	13	banking	banking	NOUN
arjefm-85	119	14	literature	literature	NOUN
arjefm-85	119	15	.	.	PUNCT
arjefm-85	120	1	empirical	empirical	ADJ
arjefm-85	120	2	review	review	PROPN
arjefm-85	120	3	bank	bank	NOUN
arjefm-85	120	4	capital	capital	NOUN
arjefm-85	120	5	and	and	CCONJ
arjefm-85	120	6	risk	risk	NOUN
arjefm-85	120	7	taking	take	VERB
arjefm-85	120	8	empirical	empirical	ADJ
arjefm-85	120	9	evidence	evidence	NOUN
arjefm-85	120	10	on	on	ADP
arjefm-85	120	11	the	the	DET
arjefm-85	120	12	relationship	relationship	NOUN
arjefm-85	120	13	between	between	ADP
arjefm-85	120	14	capital	capital	NOUN
arjefm-85	120	15	requirement	requirement	NOUN
arjefm-85	120	16	and	and	CCONJ
arjefm-85	120	17	risk	risk	NOUN
arjefm-85	120	18	taking	taking	NOUN
arjefm-85	120	19	is	be	AUX
arjefm-85	120	20	far	far	ADV
arjefm-85	120	21	from	from	ADP
arjefm-85	120	22	being	be	AUX
arjefm-85	120	23	conclusive	conclusive	ADJ
arjefm-85	120	24	.	.	PUNCT
arjefm-85	121	1	in	in	ADP
arjefm-85	121	2	the	the	DET
arjefm-85	121	3	case	case	NOUN
arjefm-85	121	4	of	of	ADP
arjefm-85	121	5	usa	usa	PROPN
arjefm-85	121	6	,	,	PUNCT
arjefm-85	121	7	calem	calem	NOUN
arjefm-85	121	8	and	and	CCONJ
arjefm-85	121	9	rob	rob	PROPN
arjefm-85	121	10	(	(	PUNCT
arjefm-85	121	11	1999	1999	NUM
arjefm-85	121	12	)	)	PUNCT
arjefm-85	121	13	quantified	quantify	VERB
arjefm-85	121	14	the	the	DET
arjefm-85	121	15	effect	effect	NOUN
arjefm-85	121	16	of	of	ADP
arjefm-85	121	17	capital	capital	NOUN
arjefm-85	121	18	-	-	PUNCT
arjefm-85	121	19	based	base	VERB
arjefm-85	121	20	regulation	regulation	NOUN
arjefm-85	121	21	and	and	CCONJ
arjefm-85	121	22	find	find	VERB
arjefm-85	121	23	that	that	SCONJ
arjefm-85	121	24	an	an	DET
arjefm-85	121	25	increased	increase	VERB
arjefm-85	121	26	capital	capital	NOUN
arjefm-85	121	27	requirement	requirement	NOUN
arjefm-85	121	28	,	,	PUNCT
arjefm-85	121	29	whether	whether	SCONJ
arjefm-85	121	30	flat	flat	ADJ
arjefm-85	121	31	or	or	CCONJ
arjefm-85	121	32	risk	risk	NOUN
arjefm-85	121	33	based	base	VERB
arjefm-85	121	34	,	,	PUNCT
arjefm-85	121	35	tends	tend	VERB
arjefm-85	121	36	to	to	PART
arjefm-85	121	37	induce	induce	VERB
arjefm-85	121	38	more	more	ADJ
arjefm-85	121	39	risk	risk	NOUN
arjefm-85	121	40	taking	take	VERB
arjefm-85	121	41	by	by	ADP
arjefm-85	121	42	ex	ex	NOUN
arjefm-85	121	43	-	-	NOUN
arjefm-85	121	44	ante	ante	NOUN
arjefm-85	121	45	well	well	ADV
arjefm-85	121	46	capitalized	capitalize	VERB
arjefm-85	121	47	banks	bank	NOUN
arjefm-85	121	48	that	that	PRON
arjefm-85	121	49	comply	comply	VERB
arjefm-85	121	50	with	with	ADP
arjefm-85	121	51	the	the	DET
arjefm-85	121	52	new	new	ADJ
arjefm-85	121	53	standard	standard	NOUN
arjefm-85	121	54	.	.	PUNCT
arjefm-85	122	1	in	in	ADP
arjefm-85	122	2	fact	fact	NOUN
arjefm-85	122	3	,	,	PUNCT
arjefm-85	122	4	undercapitalized	undercapitalized	ADJ
arjefm-85	122	5	banks	bank	NOUN
arjefm-85	122	6	took	take	VERB
arjefm-85	122	7	higher	high	ADJ
arjefm-85	122	8	risk	risk	NOUN
arjefm-85	122	9	because	because	SCONJ
arjefm-85	122	10	the	the	DET
arjefm-85	122	11	cost	cost	NOUN
arjefm-85	122	12	of	of	ADP
arjefm-85	122	13	bankruptcy	bankruptcy	NOUN
arjefm-85	122	14	is	be	AUX
arjefm-85	122	15	shifted	shift	VERB
arjefm-85	122	16	to	to	PART
arjefm-85	122	17	deposit	deposit	VERB
arjefm-85	122	18	insurance	insurance	NOUN
arjefm-85	122	19	.	.	PUNCT
arjefm-85	123	1	but	but	CCONJ
arjefm-85	123	2	well	well	ADV
arjefm-85	123	3	capitalized	capitalize	VERB
arjefm-85	123	4	banks	bank	NOUN
arjefm-85	123	5	also	also	ADV
arjefm-85	123	6	took	take	VERB
arjefm-85	123	7	higher	high	ADJ
arjefm-85	123	8	risk	risk	NOUN
arjefm-85	123	9	because	because	SCONJ
arjefm-85	123	10	it	it	PRON
arjefm-85	123	11	is	be	AUX
arjefm-85	123	12	more	more	ADV
arjefm-85	123	13	profitable	profitable	ADJ
arjefm-85	123	14	and	and	CCONJ
arjefm-85	123	15	there	there	PRON
arjefm-85	123	16	is	be	VERB
arjefm-85	123	17	low	low	ADJ
arjefm-85	123	18	probability	probability	NOUN
arjefm-85	123	19	of	of	ADP
arjefm-85	123	20	bankruptcy	bankruptcy	NOUN
arjefm-85	123	21	.	.	PUNCT
arjefm-85	124	1	koehn	koehn	PROPN
arjefm-85	124	2	and	and	CCONJ
arjefm-85	124	3	santomero	santomero	NOUN
arjefm-85	124	4	(	(	PUNCT
arjefm-85	124	5	1980	1980	NUM
arjefm-85	124	6	)	)	PUNCT
arjefm-85	124	7	and	and	CCONJ
arjefm-85	124	8	kahane	kahane	NOUN
arjefm-85	124	9	(	(	PUNCT
arjefm-85	124	10	1977	1977	NUM
arjefm-85	124	11	)	)	PUNCT
arjefm-85	124	12	concluded	conclude	VERB
arjefm-85	124	13	that	that	SCONJ
arjefm-85	124	14	risk	risk	NOUN
arjefm-85	124	15	-	-	PUNCT
arjefm-85	124	16	based	base	VERB
arjefm-85	124	17	capital	capital	NOUN
arjefm-85	124	18	boosts	boost	VERB
arjefm-85	124	19	risk	risk	NOUN
arjefm-85	124	20	-	-	PUNCT
arjefm-85	124	21	taking	taking	NOUN
arjefm-85	124	22	.	.	PUNCT
arjefm-85	125	1	shrieves	shrieve	NOUN
arjefm-85	125	2	and	and	CCONJ
arjefm-85	125	3	dahl	dahl	PROPN
arjefm-85	125	4	(	(	PUNCT
arjefm-85	125	5	1992	1992	NUM
arjefm-85	125	6	)	)	PUNCT
arjefm-85	125	7	and	and	CCONJ
arjefm-85	125	8	jokipii	jokipii	NOUN
arjefm-85	125	9	and	and	CCONJ
arjefm-85	125	10	milne	milne	PROPN
arjefm-85	125	11	(	(	PUNCT
arjefm-85	125	12	2011	2011	NUM
arjefm-85	125	13	)	)	PUNCT
arjefm-85	125	14	confirm	confirm	VERB
arjefm-85	125	15	the	the	DET
arjefm-85	125	16	positive	positive	ADJ
arjefm-85	125	17	relationship	relationship	NOUN
arjefm-85	125	18	between	between	ADP
arjefm-85	125	19	capital	capital	NOUN
arjefm-85	125	20	and	and	CCONJ
arjefm-85	125	21	risk	risk	NOUN
arjefm-85	125	22	changes	change	NOUN
arjefm-85	125	23	while	while	SCONJ
arjefm-85	125	24	studying	study	VERB
arjefm-85	125	25	the	the	DET
arjefm-85	125	26	usa	usa	PROPN
arjefm-85	125	27	banking	banking	PROPN
arjefm-85	125	28	data	data	PROPN
arjefm-85	125	29	.	.	PUNCT
arjefm-85	126	1	blum	blum	PROPN
arjefm-85	126	2	(	(	PUNCT
arjefm-85	126	3	1999	1999	NUM
arjefm-85	126	4	)	)	PUNCT
arjefm-85	126	5	advocates	advocate	VERB
arjefm-85	126	6	that	that	SCONJ
arjefm-85	126	7	capital	capital	NOUN
arjefm-85	126	8	adequacy	adequacy	NOUN
arjefm-85	126	9	requirements	requirement	NOUN
arjefm-85	126	10	increase	increase	VERB
arjefm-85	126	11	the	the	DET
arjefm-85	126	12	riskiness	riskiness	NOUN
arjefm-85	126	13	of	of	ADP
arjefm-85	126	14	banks	bank	NOUN
arjefm-85	126	15	.	.	PUNCT
arjefm-85	127	1	matajesak	matajesak	PROPN
arjefm-85	127	2	et	et	PROPN
arjefm-85	127	3	al	al	PROPN
arjefm-85	127	4	(	(	PUNCT
arjefm-85	127	5	2009	2009	NUM
arjefm-85	127	6	)	)	PUNCT
arjefm-85	127	7	favor	favor	VERB
arjefm-85	127	8	a	a	DET
arjefm-85	127	9	positive	positive	ADJ
arjefm-85	127	10	association	association	NOUN
arjefm-85	127	11	between	between	ADP
arjefm-85	127	12	risk	risk	NOUN
arjefm-85	127	13	-	-	PUNCT
arjefm-85	127	14	taking	taking	NOUN
arjefm-85	127	15	and	and	CCONJ
arjefm-85	127	16	capital	capital	NOUN
arjefm-85	127	17	ratio	ratio	NOUN
arjefm-85	127	18	in	in	ADP
arjefm-85	127	19	the	the	DET
arjefm-85	127	20	case	case	NOUN
arjefm-85	127	21	of	of	ADP
arjefm-85	127	22	us	we	PRON
arjefm-85	127	23	and	and	CCONJ
arjefm-85	127	24	15	15	NUM
arjefm-85	127	25	european	european	ADJ
arjefm-85	127	26	countries	country	NOUN
arjefm-85	127	27	.	.	PUNCT
arjefm-85	128	1	this	this	PRON
arjefm-85	128	2	is	be	AUX
arjefm-85	128	3	also	also	ADV
arjefm-85	128	4	the	the	DET
arjefm-85	128	5	conclusion	conclusion	NOUN
arjefm-85	128	6	of	of	ADP
arjefm-85	128	7	ugwuanyi	ugwuanyi	PROPN
arjefm-85	128	8	(	(	PUNCT
arjefm-85	128	9	2015	2015	NUM
arjefm-85	128	10	)	)	PUNCT
arjefm-85	128	11	,	,	PUNCT
arjefm-85	128	12	who	who	PRON
arjefm-85	128	13	examined	examine	VERB
arjefm-85	128	14	the	the	DET
arjefm-85	128	15	relationship	relationship	NOUN
arjefm-85	128	16	between	between	ADP
arjefm-85	128	17	risk	risk	NOUN
arjefm-85	128	18	and	and	CCONJ
arjefm-85	128	19	capital	capital	NOUN
arjefm-85	128	20	in	in	ADP
arjefm-85	128	21	the	the	DET
arjefm-85	128	22	post	post	ADJ
arjefm-85	128	23	-	-	ADJ
arjefm-85	128	24	crisis	crisis	ADJ
arjefm-85	128	25	setting	setting	NOUN
arjefm-85	128	26	.	.	PUNCT
arjefm-85	129	1	in	in	ADP
arjefm-85	129	2	contrast	contrast	NOUN
arjefm-85	129	3	,	,	PUNCT
arjefm-85	129	4	jacques	jacques	PROPN
arjefm-85	129	5	and	and	CCONJ
arjefm-85	129	6	nigro	nigro	NOUN
arjefm-85	129	7	(	(	PUNCT
arjefm-85	129	8	1997	1997	NUM
arjefm-85	129	9	)	)	PUNCT
arjefm-85	129	10	and	and	CCONJ
arjefm-85	129	11	aggarwal	aggarwal	PROPN
arjefm-85	129	12	and	and	CCONJ
arjefm-85	129	13	jacques	jacques	PROPN
arjefm-85	129	14	(	(	PUNCT
arjefm-85	129	15	1998	1998	NUM
arjefm-85	129	16	)	)	PUNCT
arjefm-85	129	17	applied	apply	VERB
arjefm-85	129	18	a	a	DET
arjefm-85	129	19	similar	similar	ADJ
arjefm-85	129	20	methodology	methodology	NOUN
arjefm-85	129	21	and	and	CCONJ
arjefm-85	129	22	concluded	conclude	VERB
arjefm-85	129	23	on	on	ADP
arjefm-85	129	24	an	an	DET
arjefm-85	129	25	inverse	inverse	NOUN
arjefm-85	129	26	relationship	relationship	NOUN
arjefm-85	129	27	between	between	ADP
arjefm-85	129	28	risk	risk	NOUN
arjefm-85	129	29	and	and	CCONJ
arjefm-85	129	30	capital	capital	NOUN
arjefm-85	129	31	.	.	PUNCT
arjefm-85	130	1	lee	lee	PROPN
arjefm-85	130	2	and	and	CCONJ
arjefm-85	130	3	hsieh	hsieh	PROPN
arjefm-85	130	4	(	(	PUNCT
arjefm-85	130	5	2013	2013	NUM
arjefm-85	130	6	)	)	PUNCT
arjefm-85	130	7	examined	examine	VERB
arjefm-85	130	8	the	the	DET
arjefm-85	130	9	effect	effect	NOUN
arjefm-85	130	10	of	of	ADP
arjefm-85	130	11	capital	capital	NOUN
arjefm-85	130	12	ratio	ratio	NOUN
arjefm-85	130	13	on	on	ADP
arjefm-85	130	14	risk	risk	NOUN
arjefm-85	130	15	-	-	PUNCT
arjefm-85	130	16	taking	taking	NOUN
arjefm-85	130	17	of	of	ADP
arjefm-85	130	18	asian	asian	ADJ
arjefm-85	130	19	commercial	commercial	ADJ
arjefm-85	130	20	banks	bank	NOUN
arjefm-85	130	21	covering	cover	VERB
arjefm-85	130	22	1994	1994	NUM
arjefm-85	130	23	and	and	CCONJ
arjefm-85	130	24	2008	2008	NUM
arjefm-85	130	25	.	.	PUNCT
arjefm-85	131	1	they	they	PRON
arjefm-85	131	2	documented	document	VERB
arjefm-85	131	3	an	an	DET
arjefm-85	131	4	inverse	inverse	NOUN
arjefm-85	131	5	relationship	relationship	NOUN
arjefm-85	131	6	between	between	ADP
arjefm-85	131	7	risk	risk	NOUN
arjefm-85	131	8	and	and	CCONJ
arjefm-85	131	9	capital	capital	NOUN
arjefm-85	131	10	ratio	ratio	NOUN
arjefm-85	131	11	in	in	ADP
arjefm-85	131	12	support	support	NOUN
arjefm-85	131	13	of	of	ADP
arjefm-85	131	14	the	the	DET
arjefm-85	131	15	moral	moral	ADJ
arjefm-85	131	16	hazard	hazard	NOUN
arjefm-85	131	17	hypothesis	hypothesis	NOUN
arjefm-85	131	18	.	.	PUNCT
arjefm-85	132	1	tan	tan	PROPN
arjefm-85	132	2	and	and	CCONJ
arjefm-85	132	3	floros	floros	PROPN
arjefm-85	132	4	(	(	PUNCT
arjefm-85	132	5	2013	2013	NUM
arjefm-85	132	6	)	)	PUNCT
arjefm-85	132	7	found	find	VERB
arjefm-85	132	8	an	an	DET
arjefm-85	132	9	inverse	inverse	NOUN
arjefm-85	132	10	relationship	relationship	NOUN
arjefm-85	132	11	between	between	ADP
arjefm-85	132	12	capital	capital	NOUN
arjefm-85	132	13	and	and	CCONJ
arjefm-85	132	14	risk	risk	NOUN
arjefm-85	132	15	.	.	PUNCT
arjefm-85	133	1	recent	recent	ADJ
arjefm-85	133	2	empirical	empirical	ADJ
arjefm-85	133	3	contributions	contribution	NOUN
arjefm-85	133	4	also	also	ADV
arjefm-85	133	5	favor	favor	VERB
arjefm-85	133	6	the	the	DET
arjefm-85	133	7	negative	negative	ADJ
arjefm-85	133	8	relationship	relationship	NOUN
arjefm-85	133	9	between	between	ADP
arjefm-85	133	10	risk	risk	NOUN
arjefm-85	133	11	-	-	PUNCT
arjefm-85	133	12	taking	take	VERB
arjefm-85	133	13	and	and	CCONJ
arjefm-85	133	14	bank	bank	NOUN
arjefm-85	133	15	capital	capital	NOUN
arjefm-85	133	16	(	(	PUNCT
arjefm-85	133	17	ding	ding	NOUN
arjefm-85	133	18	and	and	CCONJ
arjefm-85	133	19	sickles	sickle	NOUN
arjefm-85	133	20	,	,	PUNCT
arjefm-85	133	21	2018	2018	NUM
arjefm-85	133	22	;	;	PUNCT
arjefm-85	133	23	jiang	jiang	PROPN
arjefm-85	133	24	et	et	PROPN
arjefm-85	133	25	al	al	PROPN
arjefm-85	133	26	.	.	PROPN
arjefm-85	133	27	,	,	PUNCT
arjefm-85	133	28	2020	2020	NUM
arjefm-85	133	29	)	)	PUNCT
arjefm-85	133	30	.	.	PUNCT
arjefm-85	134	1	bank	bank	NOUN
arjefm-85	134	2	efficiency	efficiency	NOUN
arjefm-85	134	3	and	and	CCONJ
arjefm-85	134	4	bank	bank	NOUN
arjefm-85	134	5	risk	risk	NOUN
arjefm-85	134	6	if	if	SCONJ
arjefm-85	134	7	the	the	DET
arjefm-85	134	8	aforementioned	aforementioned	ADJ
arjefm-85	134	9	empirical	empirical	ADJ
arjefm-85	134	10	contributions	contribution	NOUN
arjefm-85	134	11	were	be	AUX
arjefm-85	134	12	mainly	mainly	ADV
arjefm-85	134	13	interested	interested	ADJ
arjefm-85	134	14	in	in	ADP
arjefm-85	134	15	the	the	DET
arjefm-85	134	16	relation	relation	NOUN
arjefm-85	134	17	between	between	ADP
arjefm-85	134	18	risk	risk	NOUN
arjefm-85	134	19	and	and	CCONJ
arjefm-85	134	20	capital	capital	NOUN
arjefm-85	134	21	,	,	PUNCT
arjefm-85	134	22	for	for	ADP
arjefm-85	134	23	hughes	hughes	NOUN
arjefm-85	134	24	and	and	CCONJ
arjefm-85	134	25	mester	mester	PROPN
arjefm-85	134	26	(	(	PUNCT
arjefm-85	134	27	1998	1998	NUM
arjefm-85	134	28	)	)	PUNCT
arjefm-85	134	29	,	,	PUNCT
arjefm-85	134	30	the	the	DET
arjefm-85	134	31	stress	stress	NOUN
arjefm-85	134	32	should	should	AUX
arjefm-85	134	33	also	also	ADV
arjefm-85	134	34	be	be	AUX
arjefm-85	134	35	on	on	ADP
arjefm-85	134	36	the	the	DET
arjefm-85	134	37	analysis	analysis	NOUN
arjefm-85	134	38	of	of	ADP
arjefm-85	134	39	the	the	DET
arjefm-85	134	40	tradeoff	tradeoff	NOUN
arjefm-85	134	41	between	between	ADP
arjefm-85	134	42	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	134	43	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	134	44	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	AUX
arjefm-85	134	45	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	PROPN
arjefm-85	135	1	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	PROPN
arjefm-85	135	2	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	PROPN
arjefm-85	135	3	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	https://www.tandfonline.com/doi/full/10.1080/23311975.2021.1947557	PROPN
arjefm-85	135	4	american	american	PROPN
arjefm-85	135	5	research	research	PROPN
arjefm-85	135	6	journal	journal	PROPN
arjefm-85	135	7	of	of	ADP
arjefm-85	135	8	economics	economic	NOUN
arjefm-85	135	9	,	,	PUNCT
arjefm-85	135	10	finance	finance	NOUN
arjefm-85	135	11	and	and	CCONJ
arjefm-85	135	12	management	management	NOUN
arjefm-85	135	13	volume	volume	NOUN
arjefm-85	135	14	12	12	NUM
arjefm-85	135	15	issue	issue	NOUN
arjefm-85	135	16	1	1	NUM
arjefm-85	135	17	,	,	PUNCT
arjefm-85	135	18	january	january	PROPN
arjefm-85	135	19	-	-	PUNCT
arjefm-85	135	20	february	february	PROPN
arjefm-85	135	21	2024	2024	NUM
arjefm-85	135	22	issn	issn	NOUN
arjefm-85	135	23	:	:	PUNCT
arjefm-85	135	24	2836	2836	NUM
arjefm-85	135	25	-	-	SYM
arjefm-85	135	26	9416	9416	NUM
arjefm-85	135	27	impact	impact	NOUN
arjefm-85	135	28	factor	factor	NOUN
arjefm-85	135	29	:	:	PUNCT
arjefm-85	135	30	5.57	5.57	NUM
arjefm-85	135	31	journal	journal	NOUN
arjefm-85	135	32	homepage	homepage	NOUN
arjefm-85	135	33	:	:	PUNCT
arjefm-85	135	34	https://	https://	PROPN
arjefm-85	135	35	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	135	36	,	,	PUNCT
arjefm-85	135	37	email	email	NOUN
arjefm-85	135	38	:	:	PUNCT
arjefm-85	135	39	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	135	40	official	official	ADJ
arjefm-85	135	41	journal	journal	PROPN
arjefm-85	135	42	of	of	ADP
arjefm-85	135	43	america	america	PROPN
arjefm-85	135	44	serial	serial	PROPN
arjefm-85	135	45	publication	publication	NOUN
arjefm-85	135	46	advanced	advanced	ADJ
arjefm-85	135	47	journal	journal	NOUN
arjefm-85	135	48	of	of	ADP
arjefm-85	135	49	economics	economic	NOUN
arjefm-85	135	50	and	and	CCONJ
arjefm-85	135	51	business	business	NOUN
arjefm-85	135	52	research	research	NOUN
arjefm-85	135	53	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	135	54	,	,	PUNCT
arjefm-85	135	55	email	email	NOUN
arjefm-85	135	56	:	:	PUNCT
arjefm-85	135	57	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	136	1	53	53	NUM
arjefm-85	137	1	|	|	ADV
arjefm-85	137	2	p	p	X
arjefm-85	137	3	a	a	DET
arjefm-85	137	4	g	g	NOUN
arjefm-85	137	5	e	e	NOUN
arjefm-85	137	6	risk	risk	NOUN
arjefm-85	137	7	and	and	CCONJ
arjefm-85	137	8	efficiency	efficiency	NOUN
arjefm-85	137	9	.	.	PUNCT
arjefm-85	138	1	the	the	DET
arjefm-85	138	2	result	result	NOUN
arjefm-85	138	3	of	of	ADP
arjefm-85	138	4	their	their	PRON
arjefm-85	138	5	empirical	empirical	ADJ
arjefm-85	138	6	test	test	NOUN
arjefm-85	138	7	shows	show	VERB
arjefm-85	138	8	a	a	DET
arjefm-85	138	9	negative	negative	ADJ
arjefm-85	138	10	relationship	relationship	NOUN
arjefm-85	138	11	between	between	ADP
arjefm-85	138	12	the	the	DET
arjefm-85	138	13	two	two	NUM
arjefm-85	138	14	variables	variable	NOUN
arjefm-85	138	15	.	.	PUNCT
arjefm-85	139	1	more	more	ADV
arjefm-85	139	2	generally	generally	ADV
arjefm-85	139	3	,	,	PUNCT
arjefm-85	139	4	empirical	empirical	ADJ
arjefm-85	139	5	test	test	NOUN
arjefm-85	139	6	of	of	ADP
arjefm-85	139	7	the	the	DET
arjefm-85	139	8	efficiency	efficiency	NOUN
arjefm-85	139	9	-	-	PUNCT
arjefm-85	139	10	risk	risk	NOUN
arjefm-85	139	11	trade	trade	NOUN
arjefm-85	139	12	off	off	ADP
arjefm-85	139	13	yields	yield	NOUN
arjefm-85	139	14	conflicting	conflict	VERB
arjefm-85	139	15	results	result	NOUN
arjefm-85	139	16	in	in	ADP
arjefm-85	139	17	the	the	DET
arjefm-85	139	18	banking	banking	NOUN
arjefm-85	139	19	literature	literature	NOUN
arjefm-85	139	20	.	.	PUNCT
arjefm-85	140	1	for	for	ADP
arjefm-85	140	2	instance	instance	NOUN
arjefm-85	140	3	,	,	PUNCT
arjefm-85	140	4	in	in	ADP
arjefm-85	140	5	examining	examine	VERB
arjefm-85	140	6	the	the	DET
arjefm-85	140	7	same	same	ADJ
arjefm-85	140	8	link	link	NOUN
arjefm-85	140	9	in	in	ADP
arjefm-85	140	10	a	a	DET
arjefm-85	140	11	large	large	ADJ
arjefm-85	140	12	sample	sample	NOUN
arjefm-85	140	13	of	of	ADP
arjefm-85	140	14	european	european	ADJ
arjefm-85	140	15	banks	bank	NOUN
arjefm-85	140	16	between	between	ADP
arjefm-85	140	17	1992	1992	NUM
arjefm-85	140	18	and	and	CCONJ
arjefm-85	140	19	2000	2000	NUM
arjefm-85	140	20	,	,	PUNCT
arjefm-85	140	21	altunbas	altunbas	PROPN
arjefm-85	140	22	et	et	PROPN
arjefm-85	140	23	al	al	PROPN
arjefm-85	140	24	.	.	PROPN
arjefm-85	141	1	(	(	PUNCT
arjefm-85	141	2	2007	2007	NUM
arjefm-85	141	3	)	)	PUNCT
arjefm-85	141	4	noted	note	VERB
arjefm-85	141	5	that	that	SCONJ
arjefm-85	141	6	inefficient	inefficient	ADJ
arjefm-85	141	7	european	european	ADJ
arjefm-85	141	8	banks	bank	NOUN
arjefm-85	141	9	seem	seem	VERB
arjefm-85	141	10	to	to	PART
arjefm-85	141	11	undertake	undertake	VERB
arjefm-85	141	12	less	less	ADJ
arjefm-85	141	13	risk	risk	NOUN
arjefm-85	141	14	.	.	PUNCT
arjefm-85	142	1	william	william	PROPN
arjefm-85	142	2	(	(	PUNCT
arjefm-85	142	3	2004	2004	NUM
arjefm-85	142	4	)	)	PUNCT
arjefm-85	142	5	,	,	PUNCT
arjefm-85	142	6	le	le	X
arjefm-85	142	7	(	(	PUNCT
arjefm-85	142	8	2018	2018	NUM
arjefm-85	142	9	)	)	PUNCT
arjefm-85	142	10	and	and	CCONJ
arjefm-85	142	11	tan	tan	PROPN
arjefm-85	142	12	and	and	CCONJ
arjefm-85	142	13	floros	floros	PROPN
arjefm-85	142	14	(	(	PUNCT
arjefm-85	142	15	2013	2013	NUM
arjefm-85	142	16	)	)	PUNCT
arjefm-85	142	17	,	,	PUNCT
arjefm-85	142	18	in	in	ADP
arjefm-85	142	19	their	their	PRON
arjefm-85	142	20	empirical	empirical	ADJ
arjefm-85	142	21	contributions	contribution	NOUN
arjefm-85	142	22	,	,	PUNCT
arjefm-85	142	23	confirm	confirm	VERB
arjefm-85	142	24	this	this	DET
arjefm-85	142	25	result	result	NOUN
arjefm-85	142	26	and	and	CCONJ
arjefm-85	142	27	suggest	suggest	VERB
arjefm-85	142	28	that	that	SCONJ
arjefm-85	142	29	efficiency	efficiency	NOUN
arjefm-85	142	30	and	and	CCONJ
arjefm-85	142	31	risk	risk	NOUN
arjefm-85	142	32	are	be	AUX
arjefm-85	142	33	adversely	adversely	ADV
arjefm-85	142	34	related	relate	VERB
arjefm-85	142	35	.	.	PUNCT
arjefm-85	143	1	deelchand	deelchand	PROPN
arjefm-85	143	2	and	and	CCONJ
arjefm-85	143	3	padgett	padgett	PROPN
arjefm-85	143	4	(	(	PUNCT
arjefm-85	143	5	2009	2009	NUM
arjefm-85	143	6	)	)	PUNCT
arjefm-85	143	7	using	use	VERB
arjefm-85	143	8	a	a	DET
arjefm-85	143	9	sample	sample	NOUN
arjefm-85	143	10	of	of	ADP
arjefm-85	143	11	263	263	NUM
arjefm-85	143	12	japanese	japanese	ADJ
arjefm-85	143	13	cooperative	cooperative	ADJ
arjefm-85	143	14	banks	bank	NOUN
arjefm-85	143	15	over	over	ADP
arjefm-85	143	16	the	the	DET
arjefm-85	143	17	period	period	NOUN
arjefm-85	143	18	2003	2003	NUM
arjefm-85	143	19	through	through	ADP
arjefm-85	143	20	2006	2006	NUM
arjefm-85	143	21	,	,	PUNCT
arjefm-85	143	22	confirm	confirm	VERB
arjefm-85	143	23	the	the	DET
arjefm-85	143	24	belief	belief	NOUN
arjefm-85	143	25	that	that	SCONJ
arjefm-85	143	26	risk	risk	NOUN
arjefm-85	143	27	,	,	PUNCT
arjefm-85	143	28	capital	capital	NOUN
arjefm-85	143	29	and	and	CCONJ
arjefm-85	143	30	efficiency	efficiency	NOUN
arjefm-85	143	31	are	be	AUX
arjefm-85	143	32	simultaneously	simultaneously	ADV
arjefm-85	143	33	determined	determine	VERB
arjefm-85	143	34	,	,	PUNCT
arjefm-85	143	35	but	but	CCONJ
arjefm-85	143	36	suggest	suggest	VERB
arjefm-85	143	37	a	a	DET
arjefm-85	143	38	positive	positive	ADJ
arjefm-85	143	39	relationship	relationship	NOUN
arjefm-85	143	40	between	between	ADP
arjefm-85	143	41	efficiency	efficiency	NOUN
arjefm-85	143	42	and	and	CCONJ
arjefm-85	143	43	risk	risk	NOUN
arjefm-85	143	44	in	in	ADP
arjefm-85	143	45	banking	banking	NOUN
arjefm-85	143	46	as	as	SCONJ
arjefm-85	143	47	argued	argue	VERB
arjefm-85	143	48	in	in	ADP
arjefm-85	143	49	the	the	DET
arjefm-85	143	50	hazard	hazard	NOUN
arjefm-85	143	51	moral	moral	ADJ
arjefm-85	143	52	hypothesis	hypothesis	NOUN
arjefm-85	143	53	.	.	PUNCT
arjefm-85	144	1	in	in	ADP
arjefm-85	144	2	fact	fact	NOUN
arjefm-85	144	3	,	,	PUNCT
arjefm-85	144	4	the	the	DET
arjefm-85	144	5	results	result	NOUN
arjefm-85	144	6	of	of	ADP
arjefm-85	144	7	their	their	PRON
arjefm-85	144	8	research	research	NOUN
arjefm-85	144	9	show	show	NOUN
arjefm-85	144	10	that	that	SCONJ
arjefm-85	144	11	inefficient	inefficient	ADJ
arjefm-85	144	12	japanese	japanese	ADJ
arjefm-85	144	13	cooperative	cooperative	ADJ
arjefm-85	144	14	banks	bank	NOUN
arjefm-85	144	15	take	take	VERB
arjefm-85	144	16	more	more	ADJ
arjefm-85	144	17	risk	risk	NOUN
arjefm-85	144	18	,	,	PUNCT
arjefm-85	144	19	contrasting	contrast	VERB
arjefm-85	144	20	with	with	ADP
arjefm-85	144	21	evidence	evidence	NOUN
arjefm-85	144	22	in	in	ADP
arjefm-85	144	23	europe	europe	PROPN
arjefm-85	144	24	.	.	PUNCT
arjefm-85	145	1	this	this	DET
arjefm-85	145	2	result	result	NOUN
arjefm-85	145	3	is	be	AUX
arjefm-85	145	4	also	also	ADV
arjefm-85	145	5	in	in	ADP
arjefm-85	145	6	line	line	NOUN
arjefm-85	145	7	with	with	ADP
arjefm-85	145	8	that	that	PRON
arjefm-85	145	9	of	of	ADP
arjefm-85	145	10	kwan	kwan	PROPN
arjefm-85	145	11	and	and	CCONJ
arjefm-85	145	12	eisenbeis	eisenbeis	PROPN
arjefm-85	145	13	(	(	PUNCT
arjefm-85	145	14	1997	1997	NUM
arjefm-85	145	15	)	)	PUNCT
arjefm-85	145	16	in	in	ADP
arjefm-85	145	17	the	the	DET
arjefm-85	145	18	case	case	NOUN
arjefm-85	145	19	of	of	ADP
arjefm-85	145	20	us	us	PROPN
arjefm-85	145	21	commercial	commercial	ADJ
arjefm-85	145	22	banks	bank	NOUN
arjefm-85	145	23	.	.	PUNCT
arjefm-85	146	1	for	for	ADP
arjefm-85	146	2	bashir	bashir	NOUN
arjefm-85	146	3	and	and	CCONJ
arjefm-85	146	4	hassan	hassan	PROPN
arjefm-85	146	5	(	(	PUNCT
arjefm-85	146	6	2017	2017	NUM
arjefm-85	146	7	)	)	PUNCT
arjefm-85	146	8	or	or	CCONJ
arjefm-85	146	9	nguyen	nguyen	NOUN
arjefm-85	146	10	and	and	CCONJ
arjefm-85	146	11	nghiem	nghiem	NOUN
arjefm-85	146	12	(	(	PUNCT
arjefm-85	146	13	2015	2015	NUM
arjefm-85	146	14	)	)	PUNCT
arjefm-85	146	15	the	the	DET
arjefm-85	146	16	relation	relation	NOUN
arjefm-85	146	17	is	be	AUX
arjefm-85	146	18	also	also	ADV
arjefm-85	146	19	positive	positive	ADJ
arjefm-85	146	20	.	.	PUNCT
arjefm-85	147	1	they	they	PRON
arjefm-85	147	2	argue	argue	VERB
arjefm-85	147	3	that	that	SCONJ
arjefm-85	147	4	banks	bank	NOUN
arjefm-85	147	5	not	not	PART
arjefm-85	147	6	spending	spend	VERB
arjefm-85	147	7	resources	resource	NOUN
arjefm-85	147	8	on	on	ADP
arjefm-85	147	9	risk	risk	NOUN
arjefm-85	147	10	monitoring	monitoring	NOUN
arjefm-85	147	11	seem	seem	VERB
arjefm-85	147	12	to	to	PART
arjefm-85	147	13	be	be	AUX
arjefm-85	147	14	more	more	ADV
arjefm-85	147	15	efficient	efficient	ADJ
arjefm-85	147	16	in	in	ADP
arjefm-85	147	17	the	the	DET
arjefm-85	147	18	short	short	ADJ
arjefm-85	147	19	term	term	NOUN
arjefm-85	147	20	,	,	PUNCT
arjefm-85	147	21	but	but	CCONJ
arjefm-85	147	22	,	,	PUNCT
arjefm-85	147	23	they	they	PRON
arjefm-85	147	24	take	take	VERB
arjefm-85	147	25	higher	high	ADJ
arjefm-85	147	26	risks	risk	NOUN
arjefm-85	147	27	in	in	ADP
arjefm-85	147	28	medium	medium	ADJ
arjefm-85	147	29	and	and	CCONJ
arjefm-85	147	30	long	long	ADJ
arjefm-85	147	31	term	term	NOUN
arjefm-85	147	32	.	.	PUNCT
arjefm-85	148	1	bank	bank	NOUN
arjefm-85	148	2	capital	capital	NOUN
arjefm-85	148	3	and	and	CCONJ
arjefm-85	148	4	bank	bank	NOUN
arjefm-85	148	5	efficiency	efficiency	NOUN
arjefm-85	148	6	the	the	DET
arjefm-85	148	7	empirical	empirical	ADJ
arjefm-85	148	8	evidence	evidence	NOUN
arjefm-85	148	9	on	on	ADP
arjefm-85	148	10	bank	bank	NOUN
arjefm-85	148	11	efficiency	efficiency	NOUN
arjefm-85	148	12	and	and	CCONJ
arjefm-85	148	13	bank	bank	NOUN
arjefm-85	148	14	capital	capital	NOUN
arjefm-85	148	15	also	also	ADV
arjefm-85	148	16	remains	remain	VERB
arjefm-85	148	17	mixed	mixed	ADJ
arjefm-85	148	18	even	even	ADV
arjefm-85	148	19	in	in	ADP
arjefm-85	148	20	recent	recent	ADJ
arjefm-85	148	21	contributions	contribution	NOUN
arjefm-85	148	22	of	of	ADP
arjefm-85	148	23	literature	literature	NOUN
arjefm-85	148	24	.	.	PUNCT
arjefm-85	149	1	berger	berger	PROPN
arjefm-85	149	2	and	and	CCONJ
arjefm-85	149	3	di	di	PROPN
arjefm-85	149	4	patti	patti	PROPN
arjefm-85	149	5	(	(	PUNCT
arjefm-85	149	6	2006	2006	NUM
arjefm-85	149	7	)	)	PUNCT
arjefm-85	149	8	,	,	PUNCT
arjefm-85	149	9	in	in	ADP
arjefm-85	149	10	their	their	PRON
arjefm-85	149	11	study	study	NOUN
arjefm-85	149	12	of	of	ADP
arjefm-85	149	13	the	the	DET
arjefm-85	149	14	relationships	relationship	NOUN
arjefm-85	149	15	between	between	ADP
arjefm-85	149	16	capital	capital	NOUN
arjefm-85	149	17	ratio	ratio	NOUN
arjefm-85	149	18	and	and	CCONJ
arjefm-85	149	19	profit	profit	NOUN
arjefm-85	149	20	efficiency	efficiency	NOUN
arjefm-85	149	21	in	in	ADP
arjefm-85	149	22	us	us	PROPN
arjefm-85	149	23	banking	banking	NOUN
arjefm-85	149	24	industry	industry	NOUN
arjefm-85	149	25	over	over	ADP
arjefm-85	149	26	the	the	DET
arjefm-85	149	27	period	period	NOUN
arjefm-85	149	28	1990	1990	NUM
arjefm-85	149	29	-	-	SYM
arjefm-85	149	30	1995	1995	NUM
arjefm-85	149	31	,	,	PUNCT
arjefm-85	149	32	find	find	VERB
arjefm-85	149	33	that	that	SCONJ
arjefm-85	149	34	higher	high	ADJ
arjefm-85	149	35	capital	capital	NOUN
arjefm-85	149	36	has	have	VERB
arjefm-85	149	37	negative	negative	ADJ
arjefm-85	149	38	effect	effect	NOUN
arjefm-85	149	39	on	on	ADP
arjefm-85	149	40	efficiency	efficiency	NOUN
arjefm-85	149	41	.	.	PUNCT
arjefm-85	150	1	also	also	ADV
arjefm-85	150	2	interested	interested	ADJ
arjefm-85	150	3	by	by	ADP
arjefm-85	150	4	profit	profit	NOUN
arjefm-85	150	5	efficiency	efficiency	NOUN
arjefm-85	150	6	,	,	PUNCT
arjefm-85	150	7	fiordelisi	fiordelisi	VERB
arjefm-85	150	8	et	et	PROPN
arjefm-85	150	9	al	al	PROPN
arjefm-85	150	10	.	.	PUNCT
arjefm-85	151	1	(	(	PUNCT
arjefm-85	151	2	2011	2011	NUM
arjefm-85	151	3	)	)	PUNCT
arjefm-85	151	4	,	,	PUNCT
arjefm-85	151	5	using	use	VERB
arjefm-85	151	6	granger	granger	NOUN
arjefm-85	151	7	tests	test	NOUN
arjefm-85	151	8	of	of	ADP
arjefm-85	151	9	causality	causality	NOUN
arjefm-85	151	10	in	in	ADP
arjefm-85	151	11	a	a	DET
arjefm-85	151	12	gmm	gmm	PROPN
arjefm-85	151	13	dynamic	dynamic	ADJ
arjefm-85	151	14	panel	panel	NOUN
arjefm-85	151	15	framework	framework	NOUN
arjefm-85	151	16	,	,	PUNCT
arjefm-85	151	17	examine	examine	VERB
arjefm-85	151	18	the	the	DET
arjefm-85	151	19	reverse	reverse	ADJ
arjefm-85	151	20	causality	causality	NOUN
arjefm-85	151	21	between	between	ADP
arjefm-85	151	22	the	the	DET
arjefm-85	151	23	two	two	NUM
arjefm-85	151	24	variables	variable	NOUN
arjefm-85	151	25	.	.	PUNCT
arjefm-85	152	1	their	their	PRON
arjefm-85	152	2	findings	finding	NOUN
arjefm-85	152	3	emphasize	emphasize	VERB
arjefm-85	152	4	that	that	SCONJ
arjefm-85	152	5	the	the	DET
arjefm-85	152	6	less	less	ADV
arjefm-85	152	7	efficient	efficient	ADJ
arjefm-85	152	8	banks	bank	NOUN
arjefm-85	152	9	tend	tend	VERB
arjefm-85	152	10	to	to	PART
arjefm-85	152	11	take	take	VERB
arjefm-85	152	12	more	more	ADJ
arjefm-85	152	13	risk	risk	NOUN
arjefm-85	152	14	and	and	CCONJ
arjefm-85	152	15	better	well	ADJ
arjefm-85	152	16	capitalized	capitalize	VERB
arjefm-85	152	17	banks	bank	NOUN
arjefm-85	152	18	perform	perform	VERB
arjefm-85	152	19	better	well	ADV
arjefm-85	152	20	in	in	ADP
arjefm-85	152	21	terms	term	NOUN
arjefm-85	152	22	of	of	ADP
arjefm-85	152	23	efficiency	efficiency	NOUN
arjefm-85	152	24	.	.	PUNCT
arjefm-85	153	1	however	however	ADV
arjefm-85	153	2	,	,	PUNCT
arjefm-85	153	3	barth	barth	NOUN
arjefm-85	153	4	et	et	PROPN
arjefm-85	153	5	al	al	PROPN
arjefm-85	153	6	.	.	PROPN
arjefm-85	154	1	(	(	PUNCT
arjefm-85	154	2	2013	2013	NUM
arjefm-85	154	3	)	)	PUNCT
arjefm-85	154	4	,	,	PUNCT
arjefm-85	154	5	in	in	ADP
arjefm-85	154	6	their	their	PRON
arjefm-85	154	7	study	study	NOUN
arjefm-85	154	8	of	of	ADP
arjefm-85	154	9	whether	whether	SCONJ
arjefm-85	154	10	or	or	CCONJ
arjefm-85	154	11	not	not	PART
arjefm-85	154	12	bank	bank	NOUN
arjefm-85	154	13	supervision	supervision	NOUN
arjefm-85	154	14	,	,	PUNCT
arjefm-85	154	15	regulation	regulation	NOUN
arjefm-85	154	16	and	and	CCONJ
arjefm-85	154	17	monitoring	monitoring	NOUN
arjefm-85	154	18	enhances	enhance	NOUN
arjefm-85	154	19	or	or	CCONJ
arjefm-85	154	20	impedes	impede	VERB
arjefm-85	154	21	bank	bank	NOUN
arjefm-85	154	22	operating	operating	NOUN
arjefm-85	154	23	efficiency	efficiency	NOUN
arjefm-85	154	24	in	in	ADP
arjefm-85	154	25	a	a	DET
arjefm-85	154	26	sample	sample	NOUN
arjefm-85	154	27	of	of	ADP
arjefm-85	154	28	72	72	NUM
arjefm-85	154	29	countries	country	NOUN
arjefm-85	154	30	over	over	ADP
arjefm-85	154	31	the	the	DET
arjefm-85	154	32	period	period	NOUN
arjefm-85	154	33	1992	1992	NUM
arjefm-85	154	34	-	-	SYM
arjefm-85	154	35	2007	2007	NUM
arjefm-85	154	36	,	,	PUNCT
arjefm-85	154	37	find	find	VERB
arjefm-85	154	38	that	that	SCONJ
arjefm-85	154	39	a	a	DET
arjefm-85	154	40	more	more	ADV
arjefm-85	154	41	stringent	stringent	ADJ
arjefm-85	154	42	capital	capital	NOUN
arjefm-85	154	43	requirement	requirement	NOUN
arjefm-85	154	44	is	be	AUX
arjefm-85	154	45	marginally	marginally	ADV
arjefm-85	154	46	and	and	CCONJ
arjefm-85	154	47	positively	positively	ADV
arjefm-85	154	48	associated	associate	VERB
arjefm-85	154	49	with	with	ADP
arjefm-85	154	50	bank	bank	NOUN
arjefm-85	154	51	efficiency	efficiency	NOUN
arjefm-85	154	52	.	.	PUNCT
arjefm-85	155	1	this	this	PRON
arjefm-85	155	2	was	be	AUX
arjefm-85	155	3	also	also	ADV
arjefm-85	155	4	the	the	DET
arjefm-85	155	5	result	result	NOUN
arjefm-85	155	6	of	of	ADP
arjefm-85	155	7	haque	haque	PROPN
arjefm-85	155	8	and	and	CCONJ
arjefm-85	155	9	brown	brown	ADJ
arjefm-85	155	10	(	(	PUNCT
arjefm-85	155	11	2017	2017	NUM
arjefm-85	155	12	)	)	PUNCT
arjefm-85	155	13	’s	’s	PART
arjefm-85	155	14	study	study	NOUN
arjefm-85	155	15	while	while	SCONJ
arjefm-85	155	16	triki	triki	PROPN
arjefm-85	155	17	et	et	PROPN
arjefm-85	155	18	al	al	PROPN
arjefm-85	155	19	.	.	PROPN
arjefm-85	156	1	(	(	PUNCT
arjefm-85	156	2	2017	2017	NUM
arjefm-85	156	3	)	)	PUNCT
arjefm-85	156	4	find	find	VERB
arjefm-85	156	5	this	this	DET
arjefm-85	156	6	true	true	ADJ
arjefm-85	156	7	only	only	ADV
arjefm-85	156	8	for	for	ADP
arjefm-85	156	9	large	large	ADJ
arjefm-85	156	10	banks	bank	NOUN
arjefm-85	156	11	.	.	PUNCT
arjefm-85	157	1	pasouiras	pasouira	NOUN
arjefm-85	157	2	(	(	PUNCT
arjefm-85	157	3	2008	2008	NUM
arjefm-85	157	4	)	)	PUNCT
arjefm-85	157	5	also	also	ADV
arjefm-85	157	6	states	state	VERB
arjefm-85	157	7	that	that	SCONJ
arjefm-85	157	8	capital	capital	NOUN
arjefm-85	157	9	stringency	stringency	NOUN
arjefm-85	157	10	improves	improve	VERB
arjefm-85	157	11	efficiency	efficiency	NOUN
arjefm-85	157	12	but	but	CCONJ
arjefm-85	157	13	their	their	PRON
arjefm-85	157	14	result	result	NOUN
arjefm-85	157	15	was	be	AUX
arjefm-85	157	16	not	not	PART
arjefm-85	157	17	robust	robust	ADJ
arjefm-85	157	18	over	over	ADP
arjefm-85	157	19	all	all	DET
arjefm-85	157	20	specifications	specification	NOUN
arjefm-85	157	21	.	.	PUNCT
arjefm-85	158	1	sufian	sufian	PROPN
arjefm-85	158	2	(	(	PUNCT
arjefm-85	158	3	2016	2016	NUM
arjefm-85	158	4	)	)	PUNCT
arjefm-85	158	5	,	,	PUNCT
arjefm-85	158	6	in	in	ADP
arjefm-85	158	7	the	the	DET
arjefm-85	158	8	case	case	NOUN
arjefm-85	158	9	of	of	ADP
arjefm-85	158	10	malaysian	malaysian	ADJ
arjefm-85	158	11	banks	bank	NOUN
arjefm-85	158	12	for	for	ADP
arjefm-85	158	13	the	the	DET
arjefm-85	158	14	period	period	NOUN
arjefm-85	158	15	199	199	NUM
arjefm-85	158	16	-	-	SYM
arjefm-85	158	17	2008	2008	NUM
arjefm-85	158	18	or	or	CCONJ
arjefm-85	158	19	banker	banker	NOUN
arjefm-85	158	20	et	et	PROPN
arjefm-85	158	21	al	al	PROPN
arjefm-85	158	22	.	.	PROPN
arjefm-85	158	23	(	(	PUNCT
arjefm-85	158	24	2010	2010	NUM
arjefm-85	158	25	)	)	PUNCT
arjefm-85	158	26	in	in	ADP
arjefm-85	158	27	the	the	DET
arjefm-85	158	28	case	case	NOUN
arjefm-85	158	29	of	of	ADP
arjefm-85	158	30	korean	korean	ADJ
arjefm-85	158	31	banking	banking	NOUN
arjefm-85	158	32	institutions	institution	NOUN
arjefm-85	158	33	,	,	PUNCT
arjefm-85	158	34	suggest	suggest	VERB
arjefm-85	158	35	that	that	SCONJ
arjefm-85	158	36	efficiency	efficiency	NOUN
arjefm-85	158	37	is	be	AUX
arjefm-85	158	38	positively	positively	ADV
arjefm-85	158	39	related	relate	VERB
arjefm-85	158	40	to	to	ADP
arjefm-85	158	41	capital	capital	NOUN
arjefm-85	158	42	.	.	PUNCT
arjefm-85	159	1	pasouira	pasouira	PROPN
arjefm-85	159	2	et	et	PROPN
arjefm-85	159	3	al	al	PROPN
arjefm-85	159	4	.	.	PROPN
arjefm-85	160	1	(	(	PUNCT
arjefm-85	160	2	2009	2009	NUM
arjefm-85	160	3	)	)	PUNCT
arjefm-85	160	4	discuss	discuss	VERB
arjefm-85	160	5	the	the	DET
arjefm-85	160	6	impact	impact	NOUN
arjefm-85	160	7	of	of	ADP
arjefm-85	160	8	capital	capital	NOUN
arjefm-85	160	9	stringency	stringency	NOUN
arjefm-85	160	10	not	not	PART
arjefm-85	160	11	only	only	ADV
arjefm-85	160	12	on	on	ADP
arjefm-85	160	13	cost	cost	NOUN
arjefm-85	160	14	efficiency	efficiency	NOUN
arjefm-85	160	15	,	,	PUNCT
arjefm-85	160	16	but	but	CCONJ
arjefm-85	160	17	also	also	ADV
arjefm-85	160	18	on	on	ADP
arjefm-85	160	19	profit	profit	NOUN
arjefm-85	160	20	efficiency	efficiency	NOUN
arjefm-85	160	21	.	.	PUNCT
arjefm-85	161	1	as	as	ADP
arjefm-85	161	2	a	a	DET
arjefm-85	161	3	result	result	NOUN
arjefm-85	161	4	,	,	PUNCT
arjefm-85	161	5	capital	capital	NOUN
arjefm-85	161	6	stringency	stringency	NOUN
arjefm-85	161	7	increases	increase	VERB
arjefm-85	161	8	cost	cost	NOUN
arjefm-85	161	9	efficiency	efficiency	NOUN
arjefm-85	161	10	and	and	CCONJ
arjefm-85	161	11	decreases	decrease	VERB
arjefm-85	161	12	profit	profit	NOUN
arjefm-85	161	13	efficiency	efficiency	NOUN
arjefm-85	161	14	.	.	PUNCT
arjefm-85	162	1	onio	onio	NOUN
arjefm-85	162	2	(	(	PUNCT
arjefm-85	162	3	2017	2017	NUM
arjefm-85	162	4	)	)	PUNCT
arjefm-85	162	5	seems	seem	VERB
arjefm-85	162	6	to	to	PART
arjefm-85	162	7	confirm	confirm	VERB
arjefm-85	162	8	berger	berger	PROPN
arjefm-85	162	9	and	and	CCONJ
arjefm-85	162	10	di	di	PROPN
arjefm-85	162	11	patti	patti	PROPN
arjefm-85	162	12	(	(	PUNCT
arjefm-85	162	13	2006	2006	NUM
arjefm-85	162	14	)	)	PUNCT
arjefm-85	162	15	’s	’s	PART
arjefm-85	162	16	findings	finding	NOUN
arjefm-85	162	17	of	of	ADP
arjefm-85	162	18	a	a	DET
arjefm-85	162	19	negative	negative	ADJ
arjefm-85	162	20	association	association	NOUN
arjefm-85	162	21	between	between	ADP
arjefm-85	162	22	capital	capital	NOUN
arjefm-85	162	23	and	and	CCONJ
arjefm-85	162	24	financial	financial	ADJ
arjefm-85	162	25	performance	performance	NOUN
arjefm-85	162	26	in	in	ADP
arjefm-85	162	27	the	the	DET
arjefm-85	162	28	case	case	NOUN
arjefm-85	162	29	of	of	ADP
arjefm-85	162	30	european	european	ADJ
arjefm-85	162	31	banks	bank	NOUN
arjefm-85	162	32	.	.	PUNCT
arjefm-85	163	1	bashir	bashir	PROPN
arjefm-85	163	2	and	and	CCONJ
arjefm-85	163	3	hassan	hassan	PROPN
arjefm-85	163	4	(	(	PUNCT
arjefm-85	163	5	2017	2017	NUM
arjefm-85	163	6	)	)	PUNCT
arjefm-85	163	7	state	state	NOUN
arjefm-85	163	8	that	that	SCONJ
arjefm-85	163	9	an	an	DET
arjefm-85	163	10	increase	increase	NOUN
arjefm-85	163	11	in	in	ADP
arjefm-85	163	12	capital	capital	NOUN
arjefm-85	163	13	increases	increase	VERB
arjefm-85	163	14	agency	agency	NOUN
arjefm-85	163	15	costs	cost	NOUN
arjefm-85	163	16	and	and	CCONJ
arjefm-85	163	17	the	the	DET
arjefm-85	163	18	free	free	ADJ
arjefm-85	163	19	cash	cash	NOUN
arjefm-85	163	20	at	at	ADP
arjefm-85	163	21	the	the	DET
arjefm-85	163	22	disposal	disposal	NOUN
arjefm-85	163	23	of	of	ADP
arjefm-85	163	24	managers	manager	NOUN
arjefm-85	163	25	,	,	PUNCT
arjefm-85	163	26	leading	lead	VERB
arjefm-85	163	27	to	to	ADP
arjefm-85	163	28	a	a	DET
arjefm-85	163	29	decrease	decrease	NOUN
arjefm-85	163	30	of	of	ADP
arjefm-85	163	31	efficiency	efficiency	NOUN
arjefm-85	163	32	.	.	PUNCT
arjefm-85	164	1	more	more	ADV
arjefm-85	164	2	recently	recently	ADV
arjefm-85	164	3	,	,	PUNCT
arjefm-85	164	4	djalilov	djalilov	VERB
arjefm-85	164	5	and	and	CCONJ
arjefm-85	164	6	piesse	piesse	ADJ
arjefm-85	164	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	164	8	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	164	9	american	american	PROPN
arjefm-85	164	10	research	research	PROPN
arjefm-85	164	11	journal	journal	PROPN
arjefm-85	164	12	of	of	ADP
arjefm-85	164	13	economics	economic	NOUN
arjefm-85	164	14	,	,	PUNCT
arjefm-85	164	15	finance	finance	NOUN
arjefm-85	164	16	and	and	CCONJ
arjefm-85	164	17	management	management	NOUN
arjefm-85	164	18	volume	volume	NOUN
arjefm-85	164	19	12	12	NUM
arjefm-85	164	20	issue	issue	NOUN
arjefm-85	164	21	1	1	NUM
arjefm-85	164	22	,	,	PUNCT
arjefm-85	164	23	january	january	PROPN
arjefm-85	164	24	-	-	PUNCT
arjefm-85	164	25	february	february	PROPN
arjefm-85	164	26	2024	2024	NUM
arjefm-85	164	27	issn	issn	NOUN
arjefm-85	164	28	:	:	PUNCT
arjefm-85	164	29	2836	2836	NUM
arjefm-85	164	30	-	-	SYM
arjefm-85	164	31	9416	9416	NUM
arjefm-85	164	32	impact	impact	NOUN
arjefm-85	164	33	factor	factor	NOUN
arjefm-85	164	34	:	:	PUNCT
arjefm-85	164	35	5.57	5.57	NUM
arjefm-85	164	36	journal	journal	NOUN
arjefm-85	164	37	homepage	homepage	NOUN
arjefm-85	164	38	:	:	PUNCT
arjefm-85	164	39	https://	https://	PROPN
arjefm-85	164	40	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	164	41	,	,	PUNCT
arjefm-85	164	42	email	email	NOUN
arjefm-85	164	43	:	:	PUNCT
arjefm-85	164	44	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	164	45	official	official	ADJ
arjefm-85	164	46	journal	journal	PROPN
arjefm-85	164	47	of	of	ADP
arjefm-85	164	48	america	america	PROPN
arjefm-85	164	49	serial	serial	PROPN
arjefm-85	164	50	publication	publication	NOUN
arjefm-85	164	51	advanced	advanced	ADJ
arjefm-85	164	52	journal	journal	NOUN
arjefm-85	164	53	of	of	ADP
arjefm-85	164	54	economics	economic	NOUN
arjefm-85	164	55	and	and	CCONJ
arjefm-85	164	56	business	business	NOUN
arjefm-85	164	57	research	research	NOUN
arjefm-85	164	58	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	164	59	,	,	PUNCT
arjefm-85	164	60	email	email	NOUN
arjefm-85	164	61	:	:	PUNCT
arjefm-85	164	62	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	165	1	54	54	NUM
arjefm-85	166	1	|	|	ADV
arjefm-85	166	2	p	p	NOUN
arjefm-85	166	3	a	a	DET
arjefm-85	166	4	g	g	NOUN
arjefm-85	166	5	e	e	NOUN
arjefm-85	166	6	(	(	PUNCT
arjefm-85	166	7	2019	2019	NUM
arjefm-85	166	8	)	)	PUNCT
arjefm-85	166	9	,	,	PUNCT
arjefm-85	166	10	in	in	ADP
arjefm-85	166	11	their	their	PRON
arjefm-85	166	12	study	study	NOUN
arjefm-85	166	13	of	of	ADP
arjefm-85	166	14	the	the	DET
arjefm-85	166	15	impact	impact	NOUN
arjefm-85	166	16	of	of	ADP
arjefm-85	166	17	bank	bank	NOUN
arjefm-85	166	18	regulation	regulation	NOUN
arjefm-85	166	19	on	on	ADP
arjefm-85	166	20	bank	bank	NOUN
arjefm-85	166	21	efficiency	efficiency	NOUN
arjefm-85	166	22	,	,	PUNCT
arjefm-85	166	23	consider	consider	VERB
arjefm-85	166	24	04	04	NUM
arjefm-85	166	25	regulations	regulation	NOUN
arjefm-85	166	26	:	:	PUNCT
arjefm-85	166	27	activity	activity	NOUN
arjefm-85	166	28	restrictions	restriction	NOUN
arjefm-85	166	29	,	,	PUNCT
arjefm-85	166	30	capital	capital	NOUN
arjefm-85	166	31	requirements	requirement	NOUN
arjefm-85	166	32	,	,	PUNCT
arjefm-85	166	33	market	market	NOUN
arjefm-85	166	34	discipline	discipline	NOUN
arjefm-85	166	35	and	and	CCONJ
arjefm-85	166	36	supervisory	supervisory	ADJ
arjefm-85	166	37	power	power	NOUN
arjefm-85	166	38	.	.	PUNCT
arjefm-85	167	1	the	the	DET
arjefm-85	167	2	paper	paper	NOUN
arjefm-85	167	3	finds	find	VERB
arjefm-85	167	4	bank	bank	NOUN
arjefm-85	167	5	activity	activity	NOUN
arjefm-85	167	6	restrictions	restriction	NOUN
arjefm-85	167	7	to	to	PART
arjefm-85	167	8	be	be	AUX
arjefm-85	167	9	the	the	DET
arjefm-85	167	10	only	only	ADJ
arjefm-85	167	11	regulation	regulation	NOUN
arjefm-85	167	12	improving	improve	VERB
arjefm-85	167	13	banking	banking	NOUN
arjefm-85	167	14	efficiency	efficiency	NOUN
arjefm-85	167	15	,	,	PUNCT
arjefm-85	167	16	using	use	VERB
arjefm-85	167	17	a	a	DET
arjefm-85	167	18	sample	sample	NOUN
arjefm-85	167	19	of	of	ADP
arjefm-85	167	20	21	21	NUM
arjefm-85	167	21	transition	transition	NOUN
arjefm-85	167	22	countries	country	NOUN
arjefm-85	167	23	for	for	ADP
arjefm-85	167	24	the	the	DET
arjefm-85	167	25	period	period	NOUN
arjefm-85	167	26	2002	2002	NUM
arjefm-85	167	27	-	-	SYM
arjefm-85	167	28	2014	2014	NUM
arjefm-85	167	29	.	.	PUNCT
arjefm-85	168	1	finally	finally	ADV
arjefm-85	168	2	,	,	PUNCT
arjefm-85	168	3	miah	miah	PROPN
arjefm-85	168	4	and	and	CCONJ
arjefm-85	168	5	sharmeen	sharmeen	PROPN
arjefm-85	168	6	(	(	PUNCT
arjefm-85	168	7	2015	2015	NUM
arjefm-85	168	8	)	)	PUNCT
arjefm-85	168	9	using	use	VERB
arjefm-85	168	10	a	a	DET
arjefm-85	168	11	sample	sample	NOUN
arjefm-85	168	12	of	of	ADP
arjefm-85	168	13	banks	bank	NOUN
arjefm-85	168	14	from	from	ADP
arjefm-85	168	15	year	year	NOUN
arjefm-85	168	16	2001	2001	NUM
arjefm-85	168	17	to	to	ADP
arjefm-85	168	18	2011	2011	NUM
arjefm-85	168	19	in	in	ADP
arjefm-85	168	20	the	the	DET
arjefm-85	168	21	case	case	NOUN
arjefm-85	168	22	of	of	ADP
arjefm-85	168	23	bangladesh	bangladesh	NOUN
arjefm-85	168	24	concluded	conclude	VERB
arjefm-85	168	25	that	that	SCONJ
arjefm-85	168	26	,	,	PUNCT
arjefm-85	168	27	capital	capital	NOUN
arjefm-85	168	28	,	,	PUNCT
arjefm-85	168	29	risk	risk	NOUN
arjefm-85	168	30	and	and	CCONJ
arjefm-85	168	31	efficiency	efficiency	NOUN
arjefm-85	168	32	are	be	AUX
arjefm-85	168	33	interrelated	interrelated	ADJ
arjefm-85	168	34	.	.	PUNCT
arjefm-85	169	1	one	one	NUM
arjefm-85	169	2	explanation	explanation	NOUN
arjefm-85	169	3	of	of	ADP
arjefm-85	169	4	such	such	DET
arjefm-85	169	5	a	a	DET
arjefm-85	169	6	situation	situation	NOUN
arjefm-85	169	7	is	be	AUX
arjefm-85	169	8	that	that	SCONJ
arjefm-85	169	9	,	,	PUNCT
arjefm-85	169	10	the	the	DET
arjefm-85	169	11	tree	tree	NOUN
arjefm-85	169	12	variables	variable	NOUN
arjefm-85	169	13	could	could	AUX
arjefm-85	169	14	depend	depend	VERB
arjefm-85	169	15	on	on	ADP
arjefm-85	169	16	other	other	ADJ
arjefm-85	169	17	factors	factor	NOUN
arjefm-85	169	18	such	such	ADJ
arjefm-85	169	19	as	as	ADP
arjefm-85	169	20	moral	moral	ADJ
arjefm-85	169	21	hazard	hazard	NOUN
arjefm-85	169	22	,	,	PUNCT
arjefm-85	169	23	asymmetric	asymmetric	ADJ
arjefm-85	169	24	information	information	NOUN
arjefm-85	169	25	,	,	PUNCT
arjefm-85	169	26	ownership	ownership	NOUN
arjefm-85	169	27	structure	structure	NOUN
arjefm-85	169	28	and	and	CCONJ
arjefm-85	169	29	agency	agency	NOUN
arjefm-85	169	30	problems	problem	NOUN
arjefm-85	169	31	.	.	PUNCT
arjefm-85	170	1	materials	material	NOUN
arjefm-85	170	2	and	and	CCONJ
arjefm-85	170	3	methods	method	NOUN
arjefm-85	170	4	research	research	NOUN
arjefm-85	170	5	design	design	NOUN
arjefm-85	170	6	and	and	CCONJ
arjefm-85	170	7	sample	sample	NOUN
arjefm-85	170	8	size	size	NOUN
arjefm-85	170	9	at	at	ADP
arjefm-85	170	10	the	the	DET
arjefm-85	170	11	end	end	NOUN
arjefm-85	170	12	of	of	ADP
arjefm-85	170	13	2020	2020	NUM
arjefm-85	170	14	,	,	PUNCT
arjefm-85	170	15	15	15	NUM
arjefm-85	170	16	commercial	commercial	ADJ
arjefm-85	170	17	banks	bank	NOUN
arjefm-85	170	18	operated	operate	VERB
arjefm-85	170	19	in	in	ADP
arjefm-85	170	20	cameroun	cameroun	PROPN
arjefm-85	170	21	.	.	PUNCT
arjefm-85	171	1	as	as	SCONJ
arjefm-85	171	2	the	the	DET
arjefm-85	171	3	bank	bank	NOUN
arjefm-85	171	4	population	population	NOUN
arjefm-85	171	5	is	be	AUX
arjefm-85	171	6	not	not	PART
arjefm-85	171	7	large	large	ADJ
arjefm-85	171	8	enough	enough	ADV
arjefm-85	171	9	,	,	PUNCT
arjefm-85	171	10	the	the	DET
arjefm-85	171	11	authors	author	NOUN
arjefm-85	171	12	are	be	AUX
arjefm-85	171	13	constraint	constraint	ADJ
arjefm-85	171	14	to	to	PART
arjefm-85	171	15	test	test	VERB
arjefm-85	171	16	their	their	PRON
arjefm-85	171	17	hypotheses	hypothesis	NOUN
arjefm-85	171	18	using	use	VERB
arjefm-85	171	19	a	a	DET
arjefm-85	171	20	small	small	ADJ
arjefm-85	171	21	sample	sample	NOUN
arjefm-85	171	22	.	.	PUNCT
arjefm-85	172	1	small	small	ADJ
arjefm-85	172	2	samples	sample	NOUN
arjefm-85	172	3	are	be	AUX
arjefm-85	172	4	generally	generally	ADV
arjefm-85	172	5	associated	associate	VERB
arjefm-85	172	6	with	with	ADP
arjefm-85	172	7	low	low	ADJ
arjefm-85	172	8	statistical	statistical	ADJ
arjefm-85	172	9	power	power	NOUN
arjefm-85	172	10	and	and	CCONJ
arjefm-85	172	11	increased	increase	VERB
arjefm-85	172	12	margin	margin	NOUN
arjefm-85	172	13	of	of	ADP
arjefm-85	172	14	errors	error	NOUN
arjefm-85	172	15	that	that	PRON
arjefm-85	172	16	can	can	AUX
arjefm-85	172	17	render	render	VERB
arjefm-85	172	18	the	the	DET
arjefm-85	172	19	study	study	NOUN
arjefm-85	172	20	meaningless	meaningless	ADJ
arjefm-85	172	21	.	.	PUNCT
arjefm-85	173	1	furthermore	furthermore	ADV
arjefm-85	173	2	,	,	PUNCT
arjefm-85	173	3	there	there	PRON
arjefm-85	173	4	is	be	VERB
arjefm-85	173	5	also	also	ADV
arjefm-85	173	6	a	a	DET
arjefm-85	173	7	possibility	possibility	NOUN
arjefm-85	173	8	of	of	ADP
arjefm-85	173	9	vibration	vibration	NOUN
arjefm-85	173	10	effects	effect	NOUN
arjefm-85	173	11	with	with	ADP
arjefm-85	173	12	small	small	ADJ
arjefm-85	173	13	samples	sample	NOUN
arjefm-85	173	14	.	.	PUNCT
arjefm-85	174	1	vibration	vibration	NOUN
arjefm-85	174	2	effects	effect	NOUN
arjefm-85	174	3	refer	refer	VERB
arjefm-85	174	4	to	to	ADP
arjefm-85	174	5	a	a	DET
arjefm-85	174	6	situation	situation	NOUN
arjefm-85	174	7	of	of	ADP
arjefm-85	174	8	change	change	NOUN
arjefm-85	174	9	of	of	ADP
arjefm-85	174	10	results	result	NOUN
arjefm-85	174	11	as	as	ADP
arjefm-85	174	12	a	a	DET
arjefm-85	174	13	consequence	consequence	NOUN
arjefm-85	174	14	of	of	ADP
arjefm-85	174	15	even	even	ADJ
arjefm-85	174	16	minor	minor	ADJ
arjefm-85	174	17	analytical	analytical	ADJ
arjefm-85	174	18	manipulation	manipulation	NOUN
arjefm-85	174	19	.	.	PUNCT
arjefm-85	175	1	in	in	ADP
arjefm-85	175	2	the	the	DET
arjefm-85	175	3	case	case	NOUN
arjefm-85	175	4	of	of	ADP
arjefm-85	175	5	cameroonian	cameroonian	ADJ
arjefm-85	175	6	commercial	commercial	ADJ
arjefm-85	175	7	banks	bank	NOUN
arjefm-85	175	8	,	,	PUNCT
arjefm-85	175	9	the	the	DET
arjefm-85	175	10	authors	author	NOUN
arjefm-85	175	11	expect	expect	VERB
arjefm-85	175	12	a	a	DET
arjefm-85	175	13	very	very	ADV
arjefm-85	175	14	low	low	ADJ
arjefm-85	175	15	sampling	sampling	NOUN
arjefm-85	175	16	variability	variability	NOUN
arjefm-85	175	17	as	as	SCONJ
arjefm-85	175	18	commercial	commercial	ADJ
arjefm-85	175	19	banks	bank	NOUN
arjefm-85	175	20	share	share	VERB
arjefm-85	175	21	the	the	DET
arjefm-85	175	22	same	same	ADJ
arjefm-85	175	23	regulatory	regulatory	ADJ
arjefm-85	175	24	environment	environment	NOUN
arjefm-85	175	25	imposed	impose	VERB
arjefm-85	175	26	by	by	ADP
arjefm-85	175	27	the	the	DET
arjefm-85	175	28	banking	banking	NOUN
arjefm-85	175	29	commission	commission	NOUN
arjefm-85	175	30	of	of	ADP
arjefm-85	175	31	central	central	ADJ
arjefm-85	175	32	african	african	ADJ
arjefm-85	175	33	table	table	NOUN
arjefm-85	175	34	3	3	NUM
arjefm-85	175	35	.	.	PUNCT
arjefm-85	175	36	sample	sample	NOUN
arjefm-85	175	37	representativeness	representativeness	NOUN
arjefm-85	175	38	.	.	PUNCT
arjefm-85	176	1	banks	bank	NOUN
arjefm-85	176	2	capital	capital	NOUN
arjefm-85	176	3	assets	asset	NOUN
arjefm-85	176	4	deposits	deposit	VERB
arjefm-85	176	5	loans	loan	NOUN
arjefm-85	176	6	bicec	bicec	VERB
arjefm-85	176	7	49.1	49.1	NUM
arjefm-85	176	8	726,5	726,5	NOUN
arjefm-85	176	9	602,7	602,7	NUM
arjefm-85	176	10	320,9	320,9	PROPN
arjefm-85	176	11	sgbc	sgbc	NOUN
arjefm-85	176	12	12,5	12,5	NUM
arjefm-85	176	13	1055,4	1055,4	NUM
arjefm-85	177	1	830,2	830,2	PRON
arjefm-85	177	2	621,1	621,1	NOUN
arjefm-85	177	3	afriland	afriland	NOUN
arjefm-85	177	4	20	20	NUM
arjefm-85	177	5	1260,1	1260,1	NUM
arjefm-85	177	6	997,6	997,6	ADJ
arjefm-85	177	7	603,7	603,7	NUM
arjefm-85	177	8	cbc	cbc	NOUN
arjefm-85	177	9	12	12	NUM
arjefm-85	177	10	458,1	458,1	NUM
arjefm-85	177	11	336,6	336,6	NUM
arjefm-85	177	12	311	311	NUM
arjefm-85	177	13	bgfi	bgfi	PROPN
arjefm-85	177	14	bank	bank	NOUN
arjefm-85	177	15	20	20	NUM
arjefm-85	177	16	376,5	376,5	NUM
arjefm-85	177	17	250	250	NUM
arjefm-85	177	18	273,5	273,5	NUM
arjefm-85	177	19	ecobank	ecobank	NOUN
arjefm-85	177	20	10	10	NUM
arjefm-85	177	21	466	466	NUM
arjefm-85	177	22	369,2	369,2	NUM
arjefm-85	177	23	191,7	191,7	NOUN
arjefm-85	177	24	ubc	ubc	PROPN
arjefm-85	177	25	20	20	NUM
arjefm-85	177	26	118,1	118,1	NOUN
arjefm-85	177	27	57,8	57,8	PROPN
arjefm-85	177	28	2,8	2,8	ADJ
arjefm-85	177	29	uba	uba	PROPN
arjefm-85	177	30	10	10	NUM
arjefm-85	177	31	480,6	480,6	NUM
arjefm-85	177	32	376,3	376,3	NUM
arjefm-85	177	33	136,9	136,9	NUM
arjefm-85	177	34	scbc	scbc	NOUN
arjefm-85	177	35	10	10	NUM
arjefm-85	177	36	224,3	224,3	NUM
arjefm-85	177	37	168,8	168,8	NUM
arjefm-85	177	38	93,1	93,1	PROPN
arjefm-85	177	39	scb	scb	PROPN
arjefm-85	177	40	10,5	10,5	PROPN
arjefm-85	177	41	624	624	NUM
arjefm-85	177	42	509,5	509,5	NUM
arjefm-85	177	43	324,1	324,1	NUM
arjefm-85	177	44	sample	sample	NOUN
arjefm-85	177	45	174,1	174,1	NOUN
arjefm-85	177	46	4733,6	4733,6	NUM
arjefm-85	177	47	4498,7	4498,7	PROPN
arjefm-85	177	48	2878,7	2878,7	PROPN
arjefm-85	177	49	all	all	DET
arjefm-85	177	50	banks	bank	NOUN
arjefm-85	178	1	260,9	260,9	NUM
arjefm-85	178	2	7010,7	7010,7	NUM
arjefm-85	178	3	5398,8	5398,8	NUM
arjefm-85	178	4	3443,7	3443,7	NUM
arjefm-85	178	5	percentage	percentage	NOUN
arjefm-85	178	6	66,84	66,84	NUM
arjefm-85	178	7	67,51	67,51	NUM
arjefm-85	178	8	83,32	83,32	NUM
arjefm-85	178	9	83,59	83,59	NUM
arjefm-85	178	10	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	178	11	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	179	1	american	american	PROPN
arjefm-85	179	2	research	research	PROPN
arjefm-85	179	3	journal	journal	PROPN
arjefm-85	179	4	of	of	ADP
arjefm-85	179	5	economics	economic	NOUN
arjefm-85	179	6	,	,	PUNCT
arjefm-85	179	7	finance	finance	NOUN
arjefm-85	179	8	and	and	CCONJ
arjefm-85	179	9	management	management	NOUN
arjefm-85	179	10	volume	volume	NOUN
arjefm-85	179	11	12	12	NUM
arjefm-85	179	12	issue	issue	NOUN
arjefm-85	179	13	1	1	NUM
arjefm-85	179	14	,	,	PUNCT
arjefm-85	179	15	january	january	PROPN
arjefm-85	179	16	-	-	PUNCT
arjefm-85	179	17	february	february	PROPN
arjefm-85	179	18	2024	2024	NUM
arjefm-85	179	19	issn	issn	NOUN
arjefm-85	179	20	:	:	PUNCT
arjefm-85	179	21	2836	2836	NUM
arjefm-85	179	22	-	-	SYM
arjefm-85	179	23	9416	9416	NUM
arjefm-85	179	24	impact	impact	NOUN
arjefm-85	179	25	factor	factor	NOUN
arjefm-85	179	26	:	:	PUNCT
arjefm-85	179	27	5.57	5.57	NUM
arjefm-85	179	28	journal	journal	NOUN
arjefm-85	179	29	homepage	homepage	NOUN
arjefm-85	179	30	:	:	PUNCT
arjefm-85	179	31	https://	https://	PROPN
arjefm-85	179	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	179	33	,	,	PUNCT
arjefm-85	179	34	email	email	NOUN
arjefm-85	179	35	:	:	PUNCT
arjefm-85	179	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	179	37	official	official	ADJ
arjefm-85	179	38	journal	journal	PROPN
arjefm-85	179	39	of	of	ADP
arjefm-85	179	40	america	america	PROPN
arjefm-85	179	41	serial	serial	PROPN
arjefm-85	179	42	publication	publication	NOUN
arjefm-85	179	43	advanced	advanced	ADJ
arjefm-85	179	44	journal	journal	NOUN
arjefm-85	179	45	of	of	ADP
arjefm-85	179	46	economics	economic	NOUN
arjefm-85	179	47	and	and	CCONJ
arjefm-85	179	48	business	business	NOUN
arjefm-85	179	49	research	research	NOUN
arjefm-85	179	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	179	51	,	,	PUNCT
arjefm-85	179	52	email	email	NOUN
arjefm-85	179	53	:	:	PUNCT
arjefm-85	179	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	180	1	55	55	NUM
arjefm-85	181	1	|	|	ADV
arjefm-85	181	2	p	p	NOUN
arjefm-85	181	3	a	a	DET
arjefm-85	181	4	g	g	NOUN
arjefm-85	181	5	e	e	PROPN
arjefm-85	181	6	states	state	NOUN
arjefm-85	181	7	(	(	PUNCT
arjefm-85	181	8	cobac	cobac	PROPN
arjefm-85	181	9	)	)	PUNCT
arjefm-85	181	10	.	.	PUNCT
arjefm-85	182	1	a	a	DET
arjefm-85	182	2	major	major	ADJ
arjefm-85	182	3	challenge	challenge	NOUN
arjefm-85	182	4	raised	raise	VERB
arjefm-85	182	5	notably	notably	ADV
arjefm-85	182	6	by	by	ADP
arjefm-85	182	7	van	van	PROPN
arjefm-85	182	8	de	de	X
arjefm-85	182	9	schoot	schoot	NOUN
arjefm-85	182	10	and	and	CCONJ
arjefm-85	182	11	miocević	miocević	NOUN
arjefm-85	182	12	(	(	PUNCT
arjefm-85	182	13	2020	2020	NUM
arjefm-85	182	14	)	)	PUNCT
arjefm-85	182	15	remains	remain	VERB
arjefm-85	182	16	however	however	ADV
arjefm-85	182	17	to	to	PART
arjefm-85	182	18	increase	increase	VERB
arjefm-85	182	19	information	information	NOUN
arjefm-85	182	20	in	in	ADP
arjefm-85	182	21	data	datum	NOUN
arjefm-85	182	22	by	by	ADP
arjefm-85	182	23	using	use	VERB
arjefm-85	182	24	reliable	reliable	ADJ
arjefm-85	182	25	measures	measure	NOUN
arjefm-85	182	26	and	and	CCONJ
arjefm-85	182	27	a	a	DET
arjefm-85	182	28	smart	smart	ADJ
arjefm-85	182	29	sampling	sampling	NOUN
arjefm-85	182	30	approach	approach	NOUN
arjefm-85	182	31	.	.	PUNCT
arjefm-85	183	1	in	in	ADP
arjefm-85	183	2	this	this	DET
arjefm-85	183	3	study	study	NOUN
arjefm-85	183	4	,	,	PUNCT
arjefm-85	183	5	they	they	PRON
arjefm-85	183	6	use	use	VERB
arjefm-85	183	7	a	a	DET
arjefm-85	183	8	non	non	ADJ
arjefm-85	183	9	-	-	ADJ
arjefm-85	183	10	probabilistic	probabilistic	ADJ
arjefm-85	183	11	sampling	sampling	NOUN
arjefm-85	183	12	approach	approach	NOUN
arjefm-85	183	13	.	.	PUNCT
arjefm-85	184	1	they	they	PRON
arjefm-85	184	2	therefore	therefore	ADV
arjefm-85	184	3	excluded	exclude	VERB
arjefm-85	184	4	five	five	NUM
arjefm-85	184	5	banks	bank	NOUN
arjefm-85	184	6	because	because	SCONJ
arjefm-85	184	7	of	of	ADP
arjefm-85	184	8	unavailability	unavailability	NOUN
arjefm-85	184	9	of	of	ADP
arjefm-85	184	10	information	information	NOUN
arjefm-85	184	11	and	and	CCONJ
arjefm-85	184	12	data	datum	NOUN
arjefm-85	184	13	on	on	ADP
arjefm-85	184	14	key	key	ADJ
arjefm-85	184	15	variables	variable	NOUN
arjefm-85	184	16	included	include	VERB
arjefm-85	184	17	in	in	ADP
arjefm-85	184	18	the	the	DET
arjefm-85	184	19	model	model	NOUN
arjefm-85	184	20	.	.	PUNCT
arjefm-85	185	1	their	their	PRON
arjefm-85	185	2	panel	panel	NOUN
arjefm-85	185	3	is	be	AUX
arjefm-85	185	4	therefore	therefore	ADV
arjefm-85	185	5	constituted	constitute	VERB
arjefm-85	185	6	of	of	ADP
arjefm-85	185	7	10	10	NUM
arjefm-85	185	8	banks	bank	NOUN
arjefm-85	185	9	with	with	ADP
arjefm-85	185	10	yearly	yearly	ADJ
arjefm-85	185	11	data	datum	NOUN
arjefm-85	185	12	in	in	ADP
arjefm-85	185	13	millions	million	NOUN
arjefm-85	185	14	of	of	ADP
arjefm-85	185	15	fcfa	fcfa	NOUN
arjefm-85	185	16	from	from	ADP
arjefm-85	185	17	2014	2014	NUM
arjefm-85	185	18	to	to	ADP
arjefm-85	185	19	2020	2020	NUM
arjefm-85	185	20	on	on	ADP
arjefm-85	185	21	all	all	DET
arjefm-85	185	22	the	the	DET
arjefm-85	185	23	variables	variable	NOUN
arjefm-85	185	24	included	include	VERB
arjefm-85	185	25	in	in	ADP
arjefm-85	185	26	their	their	PRON
arjefm-85	185	27	econometric	econometric	ADJ
arjefm-85	185	28	model	model	NOUN
arjefm-85	185	29	.	.	PUNCT
arjefm-85	186	1	the	the	DET
arjefm-85	186	2	authors	author	NOUN
arjefm-85	186	3	therefore	therefore	ADV
arjefm-85	186	4	have	have	VERB
arjefm-85	186	5	enough	enough	ADJ
arjefm-85	186	6	observations	observation	NOUN
arjefm-85	186	7	to	to	PART
arjefm-85	186	8	obtain	obtain	VERB
arjefm-85	186	9	reliable	reliable	ADJ
arjefm-85	186	10	results	result	NOUN
arjefm-85	186	11	when	when	SCONJ
arjefm-85	186	12	estimating	estimate	VERB
arjefm-85	186	13	their	their	PRON
arjefm-85	186	14	econometric	econometric	ADJ
arjefm-85	186	15	model	model	NOUN
arjefm-85	186	16	.	.	PUNCT
arjefm-85	187	1	cobac	cobac	PROPN
arjefm-85	187	2	database	database	NOUN
arjefm-85	187	3	is	be	AUX
arjefm-85	187	4	used	use	VERB
arjefm-85	187	5	to	to	PART
arjefm-85	187	6	obtain	obtain	VERB
arjefm-85	187	7	banks	bank	NOUN
arjefm-85	187	8	’	'	PUNCT
arjefm-85	187	9	balance	balance	NOUN
arjefm-85	187	10	sheets	sheet	NOUN
arjefm-85	187	11	data	datum	NOUN
arjefm-85	187	12	and	and	CCONJ
arjefm-85	187	13	income	income	NOUN
arjefm-85	187	14	statements	statement	NOUN
arjefm-85	187	15	.	.	PUNCT
arjefm-85	188	1	the	the	DET
arjefm-85	188	2	financial	financial	ADJ
arjefm-85	188	3	statements	statement	NOUN
arjefm-85	188	4	published	publish	VERB
arjefm-85	188	5	on	on	ADP
arjefm-85	188	6	the	the	DET
arjefm-85	188	7	website	website	NOUN
arjefm-85	188	8	of	of	ADP
arjefm-85	188	9	each	each	DET
arjefm-85	188	10	bank	bank	NOUN
arjefm-85	188	11	are	be	AUX
arjefm-85	188	12	also	also	ADV
arjefm-85	188	13	used	use	VERB
arjefm-85	188	14	to	to	PART
arjefm-85	188	15	have	have	VERB
arjefm-85	188	16	reliable	reliable	ADJ
arjefm-85	188	17	data	datum	NOUN
arjefm-85	188	18	on	on	ADP
arjefm-85	188	19	included	include	VERB
arjefm-85	188	20	variables	variable	NOUN
arjefm-85	188	21	.	.	PUNCT
arjefm-85	189	1	in	in	ADP
arjefm-85	189	2	this	this	DET
arjefm-85	189	3	case	case	NOUN
arjefm-85	189	4	,	,	PUNCT
arjefm-85	189	5	data	datum	NOUN
arjefm-85	189	6	are	be	AUX
arjefm-85	189	7	first	first	ADV
arjefm-85	189	8	converted	convert	VERB
arjefm-85	189	9	in	in	ADP
arjefm-85	189	10	fcfa	fcfa	NOUN
arjefm-85	189	11	when	when	SCONJ
arjefm-85	189	12	needed	need	VERB
arjefm-85	189	13	,	,	PUNCT
arjefm-85	189	14	and	and	CCONJ
arjefm-85	189	15	then	then	ADV
arjefm-85	189	16	presented	present	VERB
arjefm-85	189	17	in	in	ADP
arjefm-85	189	18	millions	million	NOUN
arjefm-85	189	19	of	of	ADP
arjefm-85	189	20	fcfa	fcfa	NOUN
arjefm-85	189	21	.	.	PUNCT
arjefm-85	190	1	in	in	ADP
arjefm-85	190	2	2020	2020	NUM
arjefm-85	190	3	,	,	PUNCT
arjefm-85	190	4	four	four	NUM
arjefm-85	190	5	of	of	ADP
arjefm-85	190	6	the	the	DET
arjefm-85	190	7	banks	bank	NOUN
arjefm-85	190	8	considered	consider	VERB
arjefm-85	190	9	in	in	ADP
arjefm-85	190	10	the	the	DET
arjefm-85	190	11	sample	sample	NOUN
arjefm-85	190	12	(	(	PUNCT
arjefm-85	190	13	afriland	afriland	NOUN
arjefm-85	190	14	first	first	ADJ
arjefm-85	190	15	bank	bank	NOUN
arjefm-85	190	16	,	,	PUNCT
arjefm-85	190	17	sgbc	sgbc	NOUN
arjefm-85	190	18	,	,	PUNCT
arjefm-85	190	19	bicec	bicec	NOUN
arjefm-85	190	20	and	and	CCONJ
arjefm-85	190	21	scb	scb	PROPN
arjefm-85	190	22	)	)	PUNCT
arjefm-85	190	23	remain	remain	VERB
arjefm-85	190	24	the	the	DET
arjefm-85	190	25	most	most	ADV
arjefm-85	190	26	important	important	ADJ
arjefm-85	190	27	banks	bank	NOUN
arjefm-85	190	28	in	in	ADP
arjefm-85	190	29	the	the	DET
arjefm-85	190	30	cameroonian	cameroonian	ADJ
arjefm-85	190	31	banking	banking	NOUN
arjefm-85	190	32	system	system	NOUN
arjefm-85	190	33	in	in	ADP
arjefm-85	190	34	terms	term	NOUN
arjefm-85	190	35	of	of	ADP
arjefm-85	190	36	activity	activity	NOUN
arjefm-85	190	37	.	.	PUNCT
arjefm-85	191	1	these	these	DET
arjefm-85	191	2	four	four	NUM
arjefm-85	191	3	institutions	institution	NOUN
arjefm-85	191	4	account	account	VERB
arjefm-85	191	5	for	for	ADP
arjefm-85	191	6	52	52	NUM
arjefm-85	191	7	%	%	NOUN
arjefm-85	191	8	of	of	ADP
arjefm-85	191	9	the	the	DET
arjefm-85	191	10	banking	banking	NOUN
arjefm-85	191	11	system	system	NOUN
arjefm-85	191	12	's	's	PART
arjefm-85	191	13	consolidated	consolidated	ADJ
arjefm-85	191	14	balance	balance	NOUN
arjefm-85	191	15	sheet	sheet	NOUN
arjefm-85	191	16	,	,	PUNCT
arjefm-85	191	17	54.3	54.3	NUM
arjefm-85	191	18	%	%	NOUN
arjefm-85	191	19	of	of	ADP
arjefm-85	191	20	total	total	ADJ
arjefm-85	191	21	loans	loan	NOUN
arjefm-85	191	22	and	and	CCONJ
arjefm-85	191	23	54.5	54.5	NUM
arjefm-85	191	24	%	%	NOUN
arjefm-85	191	25	of	of	ADP
arjefm-85	191	26	total	total	ADJ
arjefm-85	191	27	customer	customer	NOUN
arjefm-85	191	28	deposits	deposit	NOUN
arjefm-85	191	29	.	.	PUNCT
arjefm-85	192	1	as	as	SCONJ
arjefm-85	192	2	shown	show	VERB
arjefm-85	192	3	in	in	ADP
arjefm-85	192	4	table	table	NOUN
arjefm-85	192	5	3	3	NUM
arjefm-85	192	6	,	,	PUNCT
arjefm-85	192	7	taken	take	VERB
arjefm-85	192	8	together	together	ADV
arjefm-85	192	9	,	,	PUNCT
arjefm-85	192	10	the	the	DET
arjefm-85	192	11	sample	sample	NOUN
arjefm-85	192	12	banks	bank	NOUN
arjefm-85	192	13	represent	represent	VERB
arjefm-85	192	14	83.3	83.3	NUM
arjefm-85	192	15	%	%	NOUN
arjefm-85	192	16	of	of	ADP
arjefm-85	192	17	deposits	deposit	NOUN
arjefm-85	192	18	83.59	83.59	NUM
arjefm-85	192	19	%	%	NOUN
arjefm-85	192	20	of	of	ADP
arjefm-85	192	21	loans	loan	NOUN
arjefm-85	192	22	and	and	CCONJ
arjefm-85	192	23	almost	almost	ADV
arjefm-85	192	24	68	68	NUM
arjefm-85	192	25	%	%	NOUN
arjefm-85	192	26	of	of	ADP
arjefm-85	192	27	assets	asset	NOUN
arjefm-85	192	28	of	of	ADP
arjefm-85	192	29	the	the	DET
arjefm-85	192	30	whole	whole	ADJ
arjefm-85	192	31	banking	banking	NOUN
arjefm-85	192	32	industry	industry	NOUN
arjefm-85	192	33	.	.	PUNCT
arjefm-85	193	1	measurement	measurement	NOUN
arjefm-85	193	2	of	of	ADP
arjefm-85	193	3	variables	variable	NOUN
arjefm-85	193	4	the	the	DET
arjefm-85	193	5	measure	measure	NOUN
arjefm-85	193	6	of	of	ADP
arjefm-85	193	7	endogenous	endogenous	ADJ
arjefm-85	193	8	variables	variable	NOUN
arjefm-85	193	9	was	be	AUX
arjefm-85	193	10	discussed	discuss	VERB
arjefm-85	193	11	briefly	briefly	ADV
arjefm-85	193	12	(	(	PUNCT
arjefm-85	193	13	bank	bank	NOUN
arjefm-85	193	14	risk	risk	NOUN
arjefm-85	193	15	,	,	PUNCT
arjefm-85	193	16	capital	capital	NOUN
arjefm-85	193	17	and	and	CCONJ
arjefm-85	193	18	efficiency	efficiency	NOUN
arjefm-85	193	19	)	)	PUNCT
arjefm-85	193	20	and	and	CCONJ
arjefm-85	193	21	included	include	VERB
arjefm-85	193	22	control	control	NOUN
arjefm-85	193	23	variables	variable	NOUN
arjefm-85	193	24	.	.	PUNCT
arjefm-85	194	1	bank	bank	NOUN
arjefm-85	194	2	risk	risk	NOUN
arjefm-85	194	3	measure	measure	NOUN
arjefm-85	194	4	there	there	PRON
arjefm-85	194	5	is	be	VERB
arjefm-85	194	6	until	until	ADP
arjefm-85	194	7	now	now	ADV
arjefm-85	194	8	no	no	DET
arjefm-85	194	9	consensus	consensus	NOUN
arjefm-85	194	10	on	on	ADP
arjefm-85	194	11	how	how	SCONJ
arjefm-85	194	12	to	to	PART
arjefm-85	194	13	measure	measure	VERB
arjefm-85	194	14	bank	bank	NOUN
arjefm-85	194	15	risk	risk	NOUN
arjefm-85	194	16	in	in	ADP
arjefm-85	194	17	the	the	DET
arjefm-85	194	18	literature	literature	NOUN
arjefm-85	194	19	.	.	PUNCT
arjefm-85	195	1	if	if	SCONJ
arjefm-85	195	2	some	some	DET
arjefm-85	195	3	recent	recent	ADJ
arjefm-85	195	4	papers	paper	NOUN
arjefm-85	195	5	are	be	AUX
arjefm-85	195	6	based	base	VERB
arjefm-85	195	7	on	on	ADP
arjefm-85	195	8	insolvency	insolvency	NOUN
arjefm-85	195	9	risk	risk	NOUN
arjefm-85	195	10	(	(	PUNCT
arjefm-85	195	11	moyo	moyo	NOUN
arjefm-85	195	12	,	,	PUNCT
arjefm-85	195	13	2018	2018	NUM
arjefm-85	195	14	)	)	PUNCT
arjefm-85	195	15	,	,	PUNCT
arjefm-85	195	16	(	(	PUNCT
arjefm-85	195	17	barra	barra	NOUN
arjefm-85	195	18	and	and	CCONJ
arjefm-85	195	19	zotti	zotti	NUM
arjefm-85	195	20	,	,	PUNCT
arjefm-85	195	21	2018	2018	NUM
arjefm-85	195	22	)	)	PUNCT
arjefm-85	195	23	,	,	PUNCT
arjefm-85	195	24	others	other	NOUN
arjefm-85	195	25	still	still	ADV
arjefm-85	195	26	rely	rely	VERB
arjefm-85	195	27	on	on	ADP
arjefm-85	195	28	more	more	ADV
arjefm-85	195	29	traditional	traditional	ADJ
arjefm-85	195	30	measures	measure	NOUN
arjefm-85	195	31	.	.	PUNCT
arjefm-85	196	1	insolvency	insolvency	NOUN
arjefm-85	196	2	risk	risk	NOUN
arjefm-85	196	3	is	be	AUX
arjefm-85	196	4	measured	measure	VERB
arjefm-85	196	5	by	by	ADP
arjefm-85	196	6	distance	distance	NOUN
arjefm-85	196	7	to	to	PART
arjefm-85	196	8	default	default	VERB
arjefm-85	196	9	indicator	indicator	NOUN
arjefm-85	196	10	as	as	SCONJ
arjefm-85	196	11	follows	follow	VERB
arjefm-85	196	12	where	where	SCONJ
arjefm-85	196	13	and	and	CCONJ
arjefm-85	196	14	standard	standard	ADJ
arjefm-85	196	15	deviation	deviation	NOUN
arjefm-85	196	16	of	of	ADP
arjefm-85	196	17	roa	roa	NOUN
arjefm-85	196	18	.	.	PUNCT
arjefm-85	197	1	concerning	concern	VERB
arjefm-85	197	2	more	more	ADV
arjefm-85	197	3	traditional	traditional	ADJ
arjefm-85	197	4	approaches	approach	NOUN
arjefm-85	197	5	,	,	PUNCT
arjefm-85	197	6	the	the	DET
arjefm-85	197	7	most	most	ADV
arjefm-85	197	8	widely	widely	ADV
arjefm-85	197	9	used	use	VERB
arjefm-85	197	10	indicator	indicator	NOUN
arjefm-85	197	11	is	be	AUX
arjefm-85	197	12	portfolio	portfolio	NOUN
arjefm-85	197	13	risk	risk	NOUN
arjefm-85	197	14	.	.	PUNCT
arjefm-85	198	1	bank	bank	NOUN
arjefm-85	198	2	risk	risk	NOUN
arjefm-85	198	3	measure	measure	NOUN
arjefm-85	198	4	is	be	AUX
arjefm-85	198	5	hereby	hereby	ADV
arjefm-85	198	6	given	give	VERB
arjefm-85	198	7	by	by	ADP
arjefm-85	198	8	the	the	DET
arjefm-85	198	9	ratio	ratio	NOUN
arjefm-85	198	10	of	of	ADP
arjefm-85	198	11	riskweighted	riskweighte	VERB
arjefm-85	198	12	assets	asset	NOUN
arjefm-85	198	13	to	to	ADP
arjefm-85	198	14	total	total	ADJ
arjefm-85	198	15	assets	asset	NOUN
arjefm-85	198	16	(	(	PUNCT
arjefm-85	198	17	jacques	jacque	NOUN
arjefm-85	198	18	and	and	CCONJ
arjefm-85	198	19	nigro	nigro	NOUN
arjefm-85	198	20	,	,	PUNCT
arjefm-85	198	21	1997	1997	NUM
arjefm-85	198	22	;	;	PUNCT
arjefm-85	198	23	rime	rime	NOUN
arjefm-85	198	24	,	,	PUNCT
arjefm-85	198	25	2001	2001	NUM
arjefm-85	198	26	;	;	PUNCT
arjefm-85	198	27	aggarwal	aggarwal	NOUN
arjefm-85	198	28	and	and	CCONJ
arjefm-85	198	29	jacques	jacques	PROPN
arjefm-85	198	30	,	,	PUNCT
arjefm-85	198	31	2001	2001	NUM
arjefm-85	198	32	)	)	PUNCT
arjefm-85	198	33	.	.	PUNCT
arjefm-85	199	1	the	the	DET
arjefm-85	199	2	standardized	standardized	ADJ
arjefm-85	199	3	approach	approach	NOUN
arjefm-85	199	4	to	to	ADP
arjefm-85	199	5	calculating	calculate	VERB
arjefm-85	199	6	risk	risk	NOUN
arjefm-85	199	7	-	-	PUNCT
arjefm-85	199	8	weighted	weight	VERB
arjefm-85	199	9	assets	asset	NOUN
arjefm-85	199	10	consists	consist	VERB
arjefm-85	199	11	in	in	ADP
arjefm-85	199	12	multiplying	multiply	VERB
arjefm-85	199	13	the	the	DET
arjefm-85	199	14	amount	amount	NOUN
arjefm-85	199	15	of	of	ADP
arjefm-85	199	16	an	an	DET
arjefm-85	199	17	asset	asset	NOUN
arjefm-85	199	18	by	by	ADP
arjefm-85	199	19	the	the	DET
arjefm-85	199	20	standardized	standardized	ADJ
arjefm-85	199	21	risk	risk	NOUN
arjefm-85	199	22	weight	weight	NOUN
arjefm-85	199	23	associated	associate	VERB
arjefm-85	199	24	with	with	ADP
arjefm-85	199	25	that	that	DET
arjefm-85	199	26	type	type	NOUN
arjefm-85	199	27	of	of	ADP
arjefm-85	199	28	asset	asset	NOUN
arjefm-85	199	29	.	.	PUNCT
arjefm-85	200	1	a	a	DET
arjefm-85	200	2	high	high	ADJ
arjefm-85	200	3	proportion	proportion	NOUN
arjefm-85	200	4	of	of	ADP
arjefm-85	200	5	rwa	rwa	PROPN
arjefm-85	200	6	indicates	indicate	VERB
arjefm-85	200	7	a	a	DET
arjefm-85	200	8	higher	high	ADJ
arjefm-85	200	9	share	share	NOUN
arjefm-85	200	10	of	of	ADP
arjefm-85	200	11	riskier	risky	ADJ
arjefm-85	200	12	assets	asset	NOUN
arjefm-85	200	13	.	.	PUNCT
arjefm-85	201	1	however	however	ADV
arjefm-85	201	2	,	,	PUNCT
arjefm-85	201	3	a	a	DET
arjefm-85	201	4	limit	limit	NOUN
arjefm-85	201	5	generally	generally	ADV
arjefm-85	201	6	reported	report	VERB
arjefm-85	201	7	of	of	ADP
arjefm-85	201	8	the	the	DET
arjefm-85	201	9	risk	risk	NOUN
arjefm-85	201	10	weighting	weight	VERB
arjefm-85	201	11	methodology	methodology	NOUN
arjefm-85	201	12	is	be	AUX
arjefm-85	201	13	that	that	SCONJ
arjefm-85	201	14	it	it	PRON
arjefm-85	201	15	can	can	AUX
arjefm-85	201	16	be	be	AUX
arjefm-85	201	17	manipulated	manipulate	VERB
arjefm-85	201	18	.	.	PUNCT
arjefm-85	202	1	liquidity	liquidity	NOUN
arjefm-85	202	2	risk	risk	NOUN
arjefm-85	202	3	is	be	AUX
arjefm-85	202	4	generally	generally	ADV
arjefm-85	202	5	measured	measure	VERB
arjefm-85	202	6	by	by	ADP
arjefm-85	202	7	the	the	DET
arjefm-85	202	8	loans	loan	NOUN
arjefm-85	202	9	to	to	ADP
arjefm-85	202	10	deposits	deposit	NOUN
arjefm-85	202	11	ratio	ratio	NOUN
arjefm-85	202	12	(	(	PUNCT
arjefm-85	202	13	ldep	ldep	PROPN
arjefm-85	202	14	)	)	PUNCT
arjefm-85	202	15	.	.	PUNCT
arjefm-85	203	1	banks	bank	NOUN
arjefm-85	203	2	with	with	ADP
arjefm-85	203	3	higher	high	ADJ
arjefm-85	203	4	loans	loan	NOUN
arjefm-85	203	5	to	to	ADP
arjefm-85	203	6	deposits	deposit	NOUN
arjefm-85	203	7	are	be	AUX
arjefm-85	203	8	usually	usually	ADV
arjefm-85	203	9	viewed	view	VERB
arjefm-85	203	10	as	as	ADP
arjefm-85	203	11	riskier	risky	ADJ
arjefm-85	203	12	due	due	ADJ
arjefm-85	203	13	to	to	ADP
arjefm-85	203	14	potential	potential	ADJ
arjefm-85	203	15	shortage	shortage	NOUN
arjefm-85	203	16	of	of	ADP
arjefm-85	203	17	liquidity	liquidity	NOUN
arjefm-85	203	18	.	.	PUNCT
arjefm-85	204	1	in	in	ADP
arjefm-85	204	2	the	the	DET
arjefm-85	204	3	cameroonian	cameroonian	ADJ
arjefm-85	204	4	case	case	NOUN
arjefm-85	204	5	,	,	PUNCT
arjefm-85	204	6	bank	bank	NOUN
arjefm-85	204	7	excess	excess	ADJ
arjefm-85	204	8	liquidity	liquidity	NOUN
arjefm-85	204	9	observed	observe	VERB
arjefm-85	204	10	in	in	ADP
arjefm-85	204	11	recent	recent	ADJ
arjefm-85	204	12	years	year	NOUN
arjefm-85	204	13	does	do	AUX
arjefm-85	204	14	not	not	PART
arjefm-85	204	15	comply	comply	VERB
arjefm-85	204	16	with	with	ADP
arjefm-85	204	17	the	the	DET
arjefm-85	204	18	use	use	NOUN
arjefm-85	204	19	of	of	ADP
arjefm-85	204	20	such	such	ADJ
arjefm-85	204	21	indicator	indicator	NOUN
arjefm-85	204	22	.	.	PUNCT
arjefm-85	205	1	moreover	moreover	ADV
arjefm-85	205	2	this	this	DET
arjefm-85	205	3	over	over	ADP
arjefm-85	205	4	-	-	PUNCT
arjefm-85	205	5	liquidity	liquidity	NOUN
arjefm-85	205	6	goes	go	VERB
arjefm-85	205	7	with	with	ADP
arjefm-85	205	8	credit	credit	NOUN
arjefm-85	205	9	rationing	rationing	NOUN
arjefm-85	205	10	accentuated	accentuate	VERB
arjefm-85	205	11	by	by	ADP
arjefm-85	205	12	the	the	DET
arjefm-85	205	13	risk	risk	NOUN
arjefm-85	205	14	aversion	aversion	NOUN
arjefm-85	205	15	of	of	ADP
arjefm-85	205	16	bankers	banker	NOUN
arjefm-85	205	17	,	,	PUNCT
arjefm-85	205	18	suggesting	suggest	VERB
arjefm-85	205	19	that	that	SCONJ
arjefm-85	205	20	bank	bank	NOUN
arjefm-85	205	21	risk	risk	NOUN
arjefm-85	205	22	indicator	indicator	NOUN
arjefm-85	205	23	based	base	VERB
arjefm-85	205	24	on	on	ADP
arjefm-85	205	25	credit	credit	NOUN
arjefm-85	205	26	risk	risk	NOUN
arjefm-85	205	27	might	might	AUX
arjefm-85	205	28	be	be	AUX
arjefm-85	205	29	more	more	ADV
arjefm-85	205	30	appropriate	appropriate	ADJ
arjefm-85	205	31	in	in	ADP
arjefm-85	205	32	cameroonian	cameroonian	ADJ
arjefm-85	205	33	banking	banking	NOUN
arjefm-85	205	34	.	.	PUNCT
arjefm-85	206	1	this	this	DET
arjefm-85	206	2	last	last	ADJ
arjefm-85	206	3	option	option	NOUN
arjefm-85	206	4	includes	include	VERB
arjefm-85	206	5	among	among	ADP
arjefm-85	206	6	others	other	NOUN
arjefm-85	206	7	,	,	PUNCT
arjefm-85	206	8	as	as	ADP
arjefm-85	206	9	in	in	ADP
arjefm-85	206	10	abedifar	abedifar	ADV
arjefm-85	206	11	et	et	PROPN
arjefm-85	206	12	al	al	PROPN
arjefm-85	206	13	.	.	PROPN
arjefm-85	207	1	(	(	PUNCT
arjefm-85	207	2	2013	2013	NUM
arjefm-85	207	3	)	)	PUNCT
arjefm-85	207	4	,	,	PUNCT
arjefm-85	207	5	tan	tan	PROPN
arjefm-85	207	6	and	and	CCONJ
arjefm-85	207	7	floros	floros	PROPN
arjefm-85	207	8	(	(	PUNCT
arjefm-85	207	9	2013	2013	NUM
arjefm-85	207	10	)	)	PUNCT
arjefm-85	207	11	or	or	CCONJ
arjefm-85	207	12	bitar	bitar	NOUN
arjefm-85	207	13	et	et	PROPN
arjefm-85	207	14	al	al	PROPN
arjefm-85	207	15	.	.	PUNCT
arjefm-85	208	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	208	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	209	1	american	american	PROPN
arjefm-85	209	2	research	research	PROPN
arjefm-85	209	3	journal	journal	PROPN
arjefm-85	209	4	of	of	ADP
arjefm-85	209	5	economics	economic	NOUN
arjefm-85	209	6	,	,	PUNCT
arjefm-85	209	7	finance	finance	NOUN
arjefm-85	209	8	and	and	CCONJ
arjefm-85	209	9	management	management	NOUN
arjefm-85	209	10	volume	volume	NOUN
arjefm-85	209	11	12	12	NUM
arjefm-85	209	12	issue	issue	NOUN
arjefm-85	209	13	1	1	NUM
arjefm-85	209	14	,	,	PUNCT
arjefm-85	209	15	january	january	PROPN
arjefm-85	209	16	-	-	PUNCT
arjefm-85	209	17	february	february	PROPN
arjefm-85	209	18	2024	2024	NUM
arjefm-85	209	19	issn	issn	NOUN
arjefm-85	209	20	:	:	PUNCT
arjefm-85	209	21	2836	2836	NUM
arjefm-85	209	22	-	-	SYM
arjefm-85	209	23	9416	9416	NUM
arjefm-85	209	24	impact	impact	NOUN
arjefm-85	209	25	factor	factor	NOUN
arjefm-85	209	26	:	:	PUNCT
arjefm-85	209	27	5.57	5.57	NUM
arjefm-85	209	28	journal	journal	NOUN
arjefm-85	209	29	homepage	homepage	NOUN
arjefm-85	209	30	:	:	PUNCT
arjefm-85	209	31	https://	https://	PROPN
arjefm-85	209	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	209	33	,	,	PUNCT
arjefm-85	209	34	email	email	NOUN
arjefm-85	209	35	:	:	PUNCT
arjefm-85	209	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	209	37	official	official	ADJ
arjefm-85	209	38	journal	journal	PROPN
arjefm-85	209	39	of	of	ADP
arjefm-85	209	40	america	america	PROPN
arjefm-85	209	41	serial	serial	PROPN
arjefm-85	209	42	publication	publication	NOUN
arjefm-85	209	43	advanced	advanced	ADJ
arjefm-85	209	44	journal	journal	NOUN
arjefm-85	209	45	of	of	ADP
arjefm-85	209	46	economics	economic	NOUN
arjefm-85	209	47	and	and	CCONJ
arjefm-85	209	48	business	business	NOUN
arjefm-85	209	49	research	research	NOUN
arjefm-85	209	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	209	51	,	,	PUNCT
arjefm-85	209	52	email	email	NOUN
arjefm-85	209	53	:	:	PUNCT
arjefm-85	209	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	210	1	56	56	NUM
arjefm-85	211	1	|	|	ADV
arjefm-85	211	2	p	p	NOUN
arjefm-85	211	3	a	a	DET
arjefm-85	211	4	g	g	NOUN
arjefm-85	211	5	e	e	NOUN
arjefm-85	211	6	(	(	PUNCT
arjefm-85	211	7	2018	2018	NUM
arjefm-85	211	8	)	)	PUNCT
arjefm-85	211	9	,	,	PUNCT
arjefm-85	211	10	the	the	DET
arjefm-85	211	11	possibility	possibility	NOUN
arjefm-85	211	12	to	to	PART
arjefm-85	211	13	use	use	VERB
arjefm-85	211	14	loan	loan	NOUN
arjefm-85	211	15	loss	loss	NOUN
arjefm-85	211	16	reserves	reserve	NOUN
arjefm-85	211	17	as	as	ADP
arjefm-85	211	18	a	a	DET
arjefm-85	211	19	fraction	fraction	NOUN
arjefm-85	211	20	to	to	PART
arjefm-85	211	21	total	total	ADJ
arjefm-85	211	22	assets	asset	NOUN
arjefm-85	211	23	as	as	ADP
arjefm-85	211	24	a	a	DET
arjefm-85	211	25	proxy	proxy	NOUN
arjefm-85	211	26	of	of	ADP
arjefm-85	211	27	credit	credit	NOUN
arjefm-85	211	28	quality	quality	NOUN
arjefm-85	211	29	.	.	PUNCT
arjefm-85	212	1	higher	high	ADJ
arjefm-85	212	2	values	value	NOUN
arjefm-85	212	3	of	of	ADP
arjefm-85	212	4	this	this	DET
arjefm-85	212	5	ratio	ratio	NOUN
arjefm-85	212	6	can	can	AUX
arjefm-85	212	7	be	be	AUX
arjefm-85	212	8	a	a	DET
arjefm-85	212	9	sign	sign	NOUN
arjefm-85	212	10	of	of	ADP
arjefm-85	212	11	a	a	DET
arjefm-85	212	12	precautionary	precautionary	ADJ
arjefm-85	212	13	reserve	reserve	NOUN
arjefm-85	212	14	policy	policy	NOUN
arjefm-85	212	15	in	in	ADP
arjefm-85	212	16	the	the	DET
arjefm-85	212	17	bank	bank	NOUN
arjefm-85	212	18	or	or	CCONJ
arjefm-85	212	19	an	an	DET
arjefm-85	212	20	anticipation	anticipation	NOUN
arjefm-85	212	21	high	high	ADJ
arjefm-85	212	22	non	non	ADJ
arjefm-85	212	23	performing	perform	VERB
arjefm-85	212	24	revenues	revenue	NOUN
arjefm-85	212	25	(	(	PUNCT
arjefm-85	212	26	anginer	anginer	NOUN
arjefm-85	212	27	and	and	CCONJ
arjefm-85	212	28	demirguc	demirguc	PROPN
arjefm-85	212	29	-	-	PUNCT
arjefm-85	212	30	kunt	kunt	PROPN
arjefm-85	212	31	,	,	PUNCT
arjefm-85	212	32	2014	2014	NUM
arjefm-85	212	33	)	)	PUNCT
arjefm-85	212	34	.	.	PUNCT
arjefm-85	213	1	the	the	DET
arjefm-85	213	2	problem	problem	NOUN
arjefm-85	213	3	with	with	ADP
arjefm-85	213	4	this	this	DET
arjefm-85	213	5	ratio	ratio	NOUN
arjefm-85	213	6	in	in	ADP
arjefm-85	213	7	the	the	DET
arjefm-85	213	8	cameroonian	cameroonian	ADJ
arjefm-85	213	9	case	case	NOUN
arjefm-85	213	10	is	be	AUX
arjefm-85	213	11	that	that	SCONJ
arjefm-85	213	12	its	its	PRON
arjefm-85	213	13	variations	variation	NOUN
arjefm-85	213	14	between	between	ADP
arjefm-85	213	15	banks	bank	NOUN
arjefm-85	213	16	may	may	AUX
arjefm-85	213	17	be	be	AUX
arjefm-85	213	18	related	relate	VERB
arjefm-85	213	19	to	to	ADP
arjefm-85	213	20	different	different	ADJ
arjefm-85	213	21	banking	banking	NOUN
arjefm-85	213	22	policies	policy	NOUN
arjefm-85	213	23	regarding	regard	VERB
arjefm-85	213	24	non	non	ADJ
arjefm-85	213	25	-	-	ADJ
arjefm-85	213	26	performing	performing	ADJ
arjefm-85	213	27	loans	loan	NOUN
arjefm-85	213	28	,	,	PUNCT
arjefm-85	213	29	reserves	reserve	NOUN
arjefm-85	213	30	and	and	CCONJ
arjefm-85	213	31	write	write	NOUN
arjefm-85	213	32	-	-	PUNCT
arjefm-85	213	33	offs	off	NOUN
arjefm-85	213	34	.	.	PUNCT
arjefm-85	214	1	following	follow	VERB
arjefm-85	214	2	bashir	bashir	PROPN
arjefm-85	214	3	and	and	CCONJ
arjefm-85	214	4	hassan	hassan	PROPN
arjefm-85	214	5	(	(	PUNCT
arjefm-85	214	6	2017	2017	NUM
arjefm-85	214	7	)	)	PUNCT
arjefm-85	214	8	and	and	CCONJ
arjefm-85	214	9	kabir	kabir	PROPN
arjefm-85	214	10	and	and	CCONJ
arjefm-85	214	11	worthington	worthington	PROPN
arjefm-85	214	12	(	(	PUNCT
arjefm-85	214	13	2017	2017	NUM
arjefm-85	214	14	)	)	PUNCT
arjefm-85	214	15	,	,	PUNCT
arjefm-85	214	16	non	non	ADJ
arjefm-85	214	17	-	-	ADJ
arjefm-85	214	18	performing	perform	VERB
arjefm-85	214	19	loan	loan	NOUN
arjefm-85	214	20	ratio	ratio	NOUN
arjefm-85	214	21	was	be	AUX
arjefm-85	214	22	used	use	VERB
arjefm-85	214	23	in	in	ADP
arjefm-85	214	24	this	this	DET
arjefm-85	214	25	paper	paper	NOUN
arjefm-85	214	26	that	that	PRON
arjefm-85	214	27	is	be	AUX
arjefm-85	214	28	,	,	PUNCT
arjefm-85	214	29	the	the	DET
arjefm-85	214	30	non	non	ADJ
arjefm-85	214	31	-	-	ADJ
arjefm-85	214	32	performing	performing	ADJ
arjefm-85	214	33	loans	loan	NOUN
arjefm-85	214	34	as	as	ADP
arjefm-85	214	35	a	a	DET
arjefm-85	214	36	fraction	fraction	NOUN
arjefm-85	214	37	of	of	ADP
arjefm-85	214	38	total	total	ADJ
arjefm-85	214	39	loans	loan	NOUN
arjefm-85	214	40	as	as	ADP
arjefm-85	214	41	a	a	DET
arjefm-85	214	42	risk	risk	NOUN
arjefm-85	214	43	indicator	indicator	NOUN
arjefm-85	214	44	.	.	PUNCT
arjefm-85	215	1	the	the	DET
arjefm-85	215	2	advantage	advantage	NOUN
arjefm-85	215	3	of	of	ADP
arjefm-85	215	4	this	this	DET
arjefm-85	215	5	ratio	ratio	NOUN
arjefm-85	215	6	in	in	ADP
arjefm-85	215	7	cameroonian	cameroonian	ADJ
arjefm-85	215	8	banking	banking	NOUN
arjefm-85	215	9	is	be	AUX
arjefm-85	215	10	that	that	SCONJ
arjefm-85	215	11	it	it	PRON
arjefm-85	215	12	might	might	AUX
arjefm-85	215	13	contain	contain	VERB
arjefm-85	215	14	information	information	NOUN
arjefm-85	215	15	on	on	ADP
arjefm-85	215	16	risk	risk	NOUN
arjefm-85	215	17	differences	difference	NOUN
arjefm-85	215	18	between	between	ADP
arjefm-85	215	19	banks	bank	NOUN
arjefm-85	215	20	not	not	PART
arjefm-85	215	21	caught	catch	VERB
arjefm-85	215	22	notably	notably	ADV
arjefm-85	215	23	by	by	ADP
arjefm-85	215	24	rwa	rwa	PROPN
arjefm-85	215	25	.	.	PUNCT
arjefm-85	216	1	non	non	ADJ
arjefm-85	216	2	-	-	ADJ
arjefm-85	216	3	performing	performing	ADJ
arjefm-85	216	4	loans	loan	NOUN
arjefm-85	216	5	are	be	AUX
arjefm-85	216	6	measured	measure	VERB
arjefm-85	216	7	by	by	ADP
arjefm-85	216	8	loans	loan	NOUN
arjefm-85	216	9	past	past	ADP
arjefm-85	216	10	due	due	ADJ
arjefm-85	216	11	90	90	NUM
arjefm-85	216	12	days	day	NOUN
arjefm-85	216	13	or	or	CCONJ
arjefm-85	216	14	more	more	ADJ
arjefm-85	216	15	and	and	CCONJ
arjefm-85	216	16	non	non	ADJ
arjefm-85	216	17	-	-	ADJ
arjefm-85	216	18	accrual	accrual	ADJ
arjefm-85	216	19	loans	loan	NOUN
arjefm-85	216	20	and	and	CCONJ
arjefm-85	216	21	reflect	reflect	VERB
arjefm-85	216	22	the	the	DET
arjefm-85	216	23	ex	ex	ADJ
arjefm-85	216	24	-	-	ADJ
arjefm-85	216	25	post	post	ADJ
arjefm-85	216	26	outcome	outcome	NOUN
arjefm-85	216	27	of	of	ADP
arjefm-85	216	28	lending	lending	NOUN
arjefm-85	216	29	decisions	decision	NOUN
arjefm-85	216	30	.	.	PUNCT
arjefm-85	217	1	as	as	SCONJ
arjefm-85	217	2	noted	note	VERB
arjefm-85	217	3	by	by	ADP
arjefm-85	217	4	ding	ding	NOUN
arjefm-85	217	5	and	and	CCONJ
arjefm-85	217	6	sickles	sickle	NOUN
arjefm-85	217	7	(	(	PUNCT
arjefm-85	217	8	2018	2018	NUM
arjefm-85	217	9	)	)	PUNCT
arjefm-85	217	10	,	,	PUNCT
arjefm-85	217	11	higher	high	ADJ
arjefm-85	217	12	values	value	NOUN
arjefm-85	217	13	of	of	ADP
arjefm-85	217	14	the	the	DET
arjefm-85	217	15	npl	npl	PROPN
arjefm-85	217	16	ratio	ratio	NOUN
arjefm-85	217	17	indicate	indicate	VERB
arjefm-85	217	18	that	that	SCONJ
arjefm-85	217	19	banks	bank	NOUN
arjefm-85	217	20	ex	ex	NOUN
arjefm-85	217	21	-	-	NOUN
arjefm-85	217	22	ante	ante	NOUN
arjefm-85	217	23	took	take	VERB
arjefm-85	217	24	higher	high	ADJ
arjefm-85	217	25	lending	lending	NOUN
arjefm-85	217	26	risk	risk	NOUN
arjefm-85	217	27	and	and	CCONJ
arjefm-85	217	28	,	,	PUNCT
arjefm-85	217	29	as	as	ADP
arjefm-85	217	30	a	a	DET
arjefm-85	217	31	result	result	NOUN
arjefm-85	217	32	,	,	PUNCT
arjefm-85	217	33	have	have	AUX
arjefm-85	217	34	accumulated	accumulate	VERB
arjefm-85	217	35	ex	ex	NOUN
arjefm-85	217	36	-	-	ADJ
arjefm-85	217	37	post	post	ADJ
arjefm-85	217	38	higher	high	ADJ
arjefm-85	217	39	bad	bad	ADJ
arjefm-85	217	40	loans	loan	NOUN
arjefm-85	217	41	.	.	PUNCT
arjefm-85	218	1	the	the	DET
arjefm-85	218	2	measure	measure	NOUN
arjefm-85	218	3	of	of	ADP
arjefm-85	218	4	capital	capital	NOUN
arjefm-85	218	5	capital	capital	NOUN
arjefm-85	218	6	ratio	ratio	NOUN
arjefm-85	218	7	is	be	AUX
arjefm-85	218	8	generally	generally	ADV
arjefm-85	218	9	measured	measure	VERB
arjefm-85	218	10	in	in	ADP
arjefm-85	218	11	three	three	NUM
arjefm-85	218	12	ways	way	NOUN
arjefm-85	218	13	.	.	PUNCT
arjefm-85	219	1	tier1	tier1	NOUN
arjefm-85	219	2	risk	risk	NOUN
arjefm-85	219	3	based	base	VERB
arjefm-85	219	4	ratio	ratio	NOUN
arjefm-85	219	5	based	base	VERB
arjefm-85	219	6	(	(	PUNCT
arjefm-85	219	7	proportion	proportion	NOUN
arjefm-85	219	8	of	of	ADP
arjefm-85	219	9	total	total	ADJ
arjefm-85	219	10	capital	capital	NOUN
arjefm-85	219	11	to	to	ADP
arjefm-85	219	12	risk	risk	NOUN
arjefm-85	219	13	-	-	PUNCT
arjefm-85	219	14	weighted	weight	VERB
arjefm-85	219	15	assets	asset	NOUN
arjefm-85	219	16	)	)	PUNCT
arjefm-85	219	17	,	,	PUNCT
arjefm-85	219	18	total	total	ADJ
arjefm-85	219	19	risk	risk	NOUN
arjefm-85	219	20	-	-	PUNCT
arjefm-85	219	21	based	base	VERB
arjefm-85	219	22	ratio	ratio	NOUN
arjefm-85	219	23	(	(	PUNCT
arjefm-85	219	24	proportionoftier1	proportionoftier1	NOUN
arjefm-85	219	25	and	and	CCONJ
arjefm-85	219	26	tier2	tier2	PROPN
arjefm-85	219	27	capital	capital	NOUN
arjefm-85	219	28	of	of	ADP
arjefm-85	219	29	risk	risk	NOUN
arjefm-85	219	30	weighted	weight	VERB
arjefm-85	219	31	assets	asset	NOUN
arjefm-85	219	32	)	)	PUNCT
arjefm-85	219	33	and	and	CCONJ
arjefm-85	219	34	tier	tier	NOUN
arjefm-85	219	35	1	1	NUM
arjefm-85	219	36	leverage	leverage	NOUN
arjefm-85	219	37	ratio	ratio	NOUN
arjefm-85	219	38	(	(	PUNCT
arjefm-85	219	39	ratio	ratio	NOUN
arjefm-85	219	40	of	of	ADP
arjefm-85	219	41	tier1	tier1	PROPN
arjefm-85	219	42	capital	capital	PROPN
arjefm-85	219	43	on	on	ADP
arjefm-85	219	44	total	total	ADJ
arjefm-85	219	45	assets	asset	NOUN
arjefm-85	219	46	)	)	PUNCT
arjefm-85	219	47	.	.	PUNCT
arjefm-85	220	1	following	follow	VERB
arjefm-85	220	2	nguyen	nguyen	NOUN
arjefm-85	220	3	and	and	CCONJ
arjefm-85	220	4	nghiem	nghiem	NOUN
arjefm-85	220	5	(	(	PUNCT
arjefm-85	220	6	2015	2015	NUM
arjefm-85	220	7	)	)	PUNCT
arjefm-85	220	8	and	and	CCONJ
arjefm-85	220	9	zheng	zheng	PROPN
arjefm-85	220	10	et	et	PROPN
arjefm-85	220	11	al	al	PROPN
arjefm-85	220	12	.	.	PROPN
arjefm-85	221	1	(	(	PUNCT
arjefm-85	221	2	2017	2017	NUM
arjefm-85	221	3	)	)	PUNCT
arjefm-85	221	4	,	,	PUNCT
arjefm-85	221	5	the	the	DET
arjefm-85	221	6	authors	author	NOUN
arjefm-85	221	7	calculated	calculate	VERB
arjefm-85	221	8	capital	capital	NOUN
arjefm-85	221	9	as	as	ADP
arjefm-85	221	10	the	the	DET
arjefm-85	221	11	ratio	ratio	NOUN
arjefm-85	221	12	of	of	ADP
arjefm-85	221	13	core	core	ADJ
arjefm-85	221	14	capital	capital	NOUN
arjefm-85	221	15	to	to	ADP
arjefm-85	221	16	total	total	ADJ
arjefm-85	221	17	assets	asset	NOUN
arjefm-85	221	18	(	(	PUNCT
arjefm-85	221	19	capital	capital	NOUN
arjefm-85	221	20	adequacy	adequacy	NOUN
arjefm-85	221	21	ratio	ratio	NOUN
arjefm-85	221	22	)	)	PUNCT
arjefm-85	221	23	.	.	PUNCT
arjefm-85	222	1	efficiency	efficiency	NOUN
arjefm-85	222	2	scores	score	NOUN
arjefm-85	222	3	the	the	DET
arjefm-85	222	4	authors	author	NOUN
arjefm-85	222	5	further	far	ADV
arjefm-85	222	6	computed	compute	VERB
arjefm-85	222	7	individual	individual	ADJ
arjefm-85	222	8	bank	bank	NOUN
arjefm-85	222	9	efficiency	efficiency	NOUN
arjefm-85	222	10	(	(	PUNCT
arjefm-85	222	11	eff	eff	PROPN
arjefm-85	222	12	)	)	PUNCT
arjefm-85	222	13	as	as	ADP
arjefm-85	222	14	the	the	DET
arjefm-85	222	15	distance	distance	NOUN
arjefm-85	222	16	of	of	ADP
arjefm-85	222	17	a	a	DET
arjefm-85	222	18	firm	firm	NOUN
arjefm-85	222	19	’s	’s	PART
arjefm-85	222	20	observed	observed	ADJ
arjefm-85	222	21	operating	operating	NOUN
arjefm-85	222	22	costs	cost	NOUN
arjefm-85	222	23	to	to	ADP
arjefm-85	222	24	the	the	DET
arjefm-85	222	25	minimum	minimum	NOUN
arjefm-85	222	26	or	or	CCONJ
arjefm-85	222	27	‘	'	PUNCT
arjefm-85	222	28	best	good	ADJ
arjefm-85	222	29	-	-	PUNCT
arjefm-85	222	30	practice	practice	NOUN
arjefm-85	222	31	’	'	PUNCT
arjefm-85	222	32	efficient	efficient	ADJ
arjefm-85	222	33	cost	cost	NOUN
arjefm-85	222	34	frontier	frontier	NOUN
arjefm-85	222	35	.	.	PUNCT
arjefm-85	223	1	efficiency	efficiency	NOUN
arjefm-85	223	2	scores	score	NOUN
arjefm-85	223	3	are	be	AUX
arjefm-85	223	4	derived	derive	VERB
arjefm-85	223	5	using	use	VERB
arjefm-85	223	6	the	the	DET
arjefm-85	223	7	stochastic	stochastic	ADJ
arjefm-85	223	8	frontier	frontier	NOUN
arjefm-85	223	9	approach	approach	NOUN
arjefm-85	223	10	.	.	PUNCT
arjefm-85	224	1	based	base	VERB
arjefm-85	224	2	on	on	ADP
arjefm-85	224	3	aigner	aigner	PROPN
arjefm-85	224	4	et	et	PROPN
arjefm-85	224	5	al	al	PROPN
arjefm-85	224	6	.	.	PUNCT
arjefm-85	225	1	(	(	PUNCT
arjefm-85	225	2	1977	1977	NUM
arjefm-85	225	3	)	)	PUNCT
arjefm-85	225	4	,	,	PUNCT
arjefm-85	225	5	the	the	DET
arjefm-85	225	6	cost	cost	NOUN
arjefm-85	225	7	function	function	NOUN
arjefm-85	225	8	of	of	ADP
arjefm-85	225	9	a	a	DET
arjefm-85	225	10	firm	firm	NOUN
arjefm-85	225	11	is	be	AUX
arjefm-85	225	12	as	as	SCONJ
arjefm-85	225	13	follows	follow	VERB
arjefm-85	225	14	:	:	PUNCT
arjefm-85	225	15	)	)	PUNCT
arjefm-85	225	16	(	(	PUNCT
arjefm-85	225	17	1	1	X
arjefm-85	225	18	)	)	PUNCT
arjefm-85	225	19	where	where	SCONJ
arjefm-85	225	20	cti	cti	PROPN
arjefm-85	225	21	represents	represent	VERB
arjefm-85	225	22	the	the	DET
arjefm-85	225	23	bank	bank	NOUN
arjefm-85	225	24	i	i	PRON
arjefm-85	225	25	total	total	VERB
arjefm-85	225	26	operational	operational	ADJ
arjefm-85	225	27	costs	cost	NOUN
arjefm-85	225	28	,	,	PUNCT
arjefm-85	225	29	yi	yi	VERB
arjefm-85	225	30	the	the	DET
arjefm-85	225	31	vector	vector	NOUN
arjefm-85	225	32	of	of	ADP
arjefm-85	225	33	quantity	quantity	NOUN
arjefm-85	225	34	of	of	ADP
arjefm-85	225	35	bank	bank	NOUN
arjefm-85	225	36	output	output	NOUN
arjefm-85	225	37	variables	variable	NOUN
arjefm-85	225	38	and	and	CCONJ
arjefm-85	225	39	pj	pj	PROPN
arjefm-85	225	40	the	the	DET
arjefm-85	225	41	vector	vector	NOUN
arjefm-85	225	42	of	of	ADP
arjefm-85	225	43	prices	price	NOUN
arjefm-85	225	44	of	of	ADP
arjefm-85	225	45	bank	bank	NOUN
arjefm-85	225	46	input	input	NOUN
arjefm-85	225	47	variables	variable	NOUN
arjefm-85	225	48	.	.	PUNCT
arjefm-85	226	1	hereby	hereby	ADV
arjefm-85	226	2	denotes	denote	VERB
arjefm-85	226	3	the	the	DET
arjefm-85	226	4	compound	compound	NOUN
arjefm-85	226	5	random	random	ADJ
arjefm-85	226	6	error	error	NOUN
arjefm-85	226	7	.	.	PUNCT
arjefm-85	227	1	this	this	DET
arjefm-85	227	2	error	error	NOUN
arjefm-85	227	3	is	be	AUX
arjefm-85	227	4	divided	divide	VERB
arjefm-85	227	5	into	into	ADP
arjefm-85	227	6	endogenous	endogenous	ADJ
arjefm-85	227	7	(	(	PUNCT
arjefm-85	227	8	and	and	CCONJ
arjefm-85	227	9	exogeneous	exogeneous	ADJ
arjefm-85	227	10	factors	factor	NOUN
arjefm-85	227	11	(	(	PUNCT
arjefm-85	227	12	that	that	DET
arjefm-85	227	13	influence	influence	NOUN
arjefm-85	227	14	bank	bank	NOUN
arjefm-85	227	15	production	production	NOUN
arjefm-85	227	16	costs	cost	NOUN
arjefm-85	227	17	.	.	PUNCT
arjefm-85	228	1	endogenous	endogenous	ADJ
arjefm-85	228	2	factors	factor	NOUN
arjefm-85	228	3	or	or	CCONJ
arjefm-85	228	4	inefficiency	inefficiency	NOUN
arjefm-85	228	5	factors	factor	NOUN
arjefm-85	228	6	are	be	AUX
arjefm-85	228	7	therefore	therefore	ADV
arjefm-85	228	8	related	relate	VERB
arjefm-85	228	9	to	to	ADP
arjefm-85	228	10	an	an	DET
arjefm-85	228	11	increase	increase	NOUN
arjefm-85	228	12	of	of	ADP
arjefm-85	228	13	bank	bank	NOUN
arjefm-85	228	14	production	production	NOUN
arjefm-85	228	15	cost	cost	NOUN
arjefm-85	228	16	because	because	SCONJ
arjefm-85	228	17	of	of	ADP
arjefm-85	228	18	an	an	DET
arjefm-85	228	19	error	error	NOUN
arjefm-85	228	20	of	of	ADP
arjefm-85	228	21	management	management	NOUN
arjefm-85	228	22	that	that	PRON
arjefm-85	228	23	causes	cause	VERB
arjefm-85	228	24	inefficiency	inefficiency	NOUN
arjefm-85	228	25	.	.	PUNCT
arjefm-85	229	1	exogeneous	exogeneous	ADJ
arjefm-85	229	2	factors	factor	NOUN
arjefm-85	229	3	represent	represent	VERB
arjefm-85	229	4	an	an	DET
arjefm-85	229	5	increase	increase	NOUN
arjefm-85	229	6	or	or	CCONJ
arjefm-85	229	7	a	a	DET
arjefm-85	229	8	decrease	decrease	NOUN
arjefm-85	229	9	of	of	ADP
arjefm-85	229	10	bank	bank	NOUN
arjefm-85	229	11	cost	cost	NOUN
arjefm-85	229	12	due	due	ADP
arjefm-85	229	13	to	to	ADP
arjefm-85	229	14	random	random	ADJ
arjefm-85	229	15	factors	factor	NOUN
arjefm-85	229	16	(	(	PUNCT
arjefm-85	229	17	mistakes	mistake	NOUN
arjefm-85	229	18	on	on	ADP
arjefm-85	229	19	data	datum	NOUN
arjefm-85	229	20	’s	’s	ADV
arjefm-85	229	21	,	,	PUNCT
arjefm-85	229	22	on	on	ADP
arjefm-85	229	23	measurement	measurement	NOUN
arjefm-85	229	24	of	of	ADP
arjefm-85	229	25	unexpected	unexpected	ADJ
arjefm-85	229	26	or	or	CCONJ
arjefm-85	229	27	uncontrolled	uncontrolled	ADJ
arjefm-85	229	28	factors	factor	NOUN
arjefm-85	229	29	)	)	PUNCT
arjefm-85	229	30	.	.	PUNCT
arjefm-85	230	1	are	be	AUX
arjefm-85	230	2	supposed	suppose	VERB
arjefm-85	230	3	separable	separable	NOUN
arjefm-85	230	4	.	.	PUNCT
arjefm-85	231	1	taking	take	VERB
arjefm-85	231	2	the	the	DET
arjefm-85	231	3	logarithmic	logarithmic	ADJ
arjefm-85	231	4	form	form	NOUN
arjefm-85	231	5	of	of	ADP
arjefm-85	231	6	the	the	DET
arjefm-85	231	7	relation	relation	NOUN
arjefm-85	231	8	(	(	PUNCT
arjefm-85	231	9	2	2	NUM
arjefm-85	231	10	)	)	PUNCT
arjefm-85	231	11	,	,	PUNCT
arjefm-85	231	12	we	we	PRON
arjefm-85	231	13	then	then	ADV
arjefm-85	231	14	have	have	VERB
arjefm-85	231	15	:	:	PUNCT
arjefm-85	231	16	)	)	PUNCT
arjefm-85	232	1	+	+	PUNCT
arjefm-85	232	2	+	+	CCONJ
arjefm-85	232	3	(	(	PUNCT
arjefm-85	232	4	2	2	X
arjefm-85	232	5	)	)	PUNCT
arjefm-85	232	6	one	one	NUM
arjefm-85	232	7	remaining	remain	VERB
arjefm-85	232	8	problem	problem	NOUN
arjefm-85	232	9	to	to	PART
arjefm-85	232	10	solve	solve	VERB
arjefm-85	232	11	to	to	PART
arjefm-85	232	12	estimate	estimate	VERB
arjefm-85	232	13	this	this	DET
arjefm-85	232	14	relation	relation	NOUN
arjefm-85	232	15	is	be	AUX
arjefm-85	232	16	that	that	PRON
arjefm-85	232	17	of	of	ADP
arjefm-85	232	18	the	the	DET
arjefm-85	232	19	functional	functional	ADJ
arjefm-85	232	20	form	form	NOUN
arjefm-85	232	21	of	of	ADP
arjefm-85	232	22	the	the	DET
arjefm-85	232	23	production	production	NOUN
arjefm-85	232	24	function	function	NOUN
arjefm-85	232	25	.	.	PUNCT
arjefm-85	233	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	233	2	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	234	1	american	american	PROPN
arjefm-85	234	2	research	research	PROPN
arjefm-85	234	3	journal	journal	PROPN
arjefm-85	234	4	of	of	ADP
arjefm-85	234	5	economics	economic	NOUN
arjefm-85	234	6	,	,	PUNCT
arjefm-85	234	7	finance	finance	NOUN
arjefm-85	234	8	and	and	CCONJ
arjefm-85	234	9	management	management	NOUN
arjefm-85	234	10	volume	volume	NOUN
arjefm-85	234	11	12	12	NUM
arjefm-85	234	12	issue	issue	NOUN
arjefm-85	234	13	1	1	NUM
arjefm-85	234	14	,	,	PUNCT
arjefm-85	234	15	january	january	PROPN
arjefm-85	234	16	-	-	PUNCT
arjefm-85	234	17	february	february	PROPN
arjefm-85	234	18	2024	2024	NUM
arjefm-85	234	19	issn	issn	NOUN
arjefm-85	234	20	:	:	PUNCT
arjefm-85	234	21	2836	2836	NUM
arjefm-85	234	22	-	-	SYM
arjefm-85	234	23	9416	9416	NUM
arjefm-85	234	24	impact	impact	NOUN
arjefm-85	234	25	factor	factor	NOUN
arjefm-85	234	26	:	:	PUNCT
arjefm-85	234	27	5.57	5.57	NUM
arjefm-85	234	28	journal	journal	NOUN
arjefm-85	234	29	homepage	homepage	NOUN
arjefm-85	234	30	:	:	PUNCT
arjefm-85	234	31	https://	https://	PROPN
arjefm-85	234	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	234	33	,	,	PUNCT
arjefm-85	234	34	email	email	NOUN
arjefm-85	234	35	:	:	PUNCT
arjefm-85	234	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	234	37	official	official	ADJ
arjefm-85	234	38	journal	journal	PROPN
arjefm-85	234	39	of	of	ADP
arjefm-85	234	40	america	america	PROPN
arjefm-85	234	41	serial	serial	PROPN
arjefm-85	234	42	publication	publication	NOUN
arjefm-85	234	43	advanced	advanced	ADJ
arjefm-85	234	44	journal	journal	NOUN
arjefm-85	234	45	of	of	ADP
arjefm-85	234	46	economics	economic	NOUN
arjefm-85	234	47	and	and	CCONJ
arjefm-85	234	48	business	business	NOUN
arjefm-85	234	49	research	research	NOUN
arjefm-85	234	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	234	51	,	,	PUNCT
arjefm-85	234	52	email	email	NOUN
arjefm-85	234	53	:	:	PUNCT
arjefm-85	234	54	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	235	1	57	57	NUM
arjefm-85	236	1	|	|	ADV
arjefm-85	236	2	p	p	NOUN
arjefm-85	236	3	a	a	DET
arjefm-85	236	4	g	g	NOUN
arjefm-85	236	5	e	e	NOUN
arjefm-85	236	6	to	to	PART
arjefm-85	236	7	measure	measure	VERB
arjefm-85	236	8	cost	cost	NOUN
arjefm-85	236	9	efficiency	efficiency	NOUN
arjefm-85	236	10	in	in	ADP
arjefm-85	236	11	cameroonian	cameroonian	ADJ
arjefm-85	236	12	banking	banking	NOUN
arjefm-85	236	13	,	,	PUNCT
arjefm-85	236	14	the	the	DET
arjefm-85	236	15	authors	author	NOUN
arjefm-85	236	16	specify	specify	VERB
arjefm-85	236	17	a	a	DET
arjefm-85	236	18	cost	cost	NOUN
arjefm-85	236	19	frontier	frontier	NOUN
arjefm-85	236	20	model	model	NOUN
arjefm-85	236	21	with	with	ADP
arjefm-85	236	22	two	two	NUM
arjefm-85	236	23	outputs	output	NOUN
arjefm-85	236	24	and	and	CCONJ
arjefm-85	236	25	three	three	NUM
arjefm-85	236	26	inputs	input	NOUN
arjefm-85	236	27	.	.	PUNCT
arjefm-85	237	1	in	in	ADP
arjefm-85	237	2	fact	fact	NOUN
arjefm-85	237	3	,	,	PUNCT
arjefm-85	237	4	they	they	PRON
arjefm-85	237	5	suppose	suppose	VERB
arjefm-85	237	6	that	that	SCONJ
arjefm-85	237	7	,	,	PUNCT
arjefm-85	237	8	in	in	ADP
arjefm-85	237	9	this	this	DET
arjefm-85	237	10	country	country	NOUN
arjefm-85	237	11	,	,	PUNCT
arjefm-85	237	12	bank	bank	NOUN
arjefm-85	237	13	’s	’s	PART
arjefm-85	237	14	production	production	NOUN
arjefm-85	237	15	function	function	NOUN
arjefm-85	237	16	uses	use	VERB
arjefm-85	237	17	labor	labor	NOUN
arjefm-85	237	18	and	and	CCONJ
arjefm-85	237	19	physical	physical	ADJ
arjefm-85	237	20	capital	capital	NOUN
arjefm-85	237	21	to	to	PART
arjefm-85	237	22	attract	attract	VERB
arjefm-85	237	23	deposits	deposit	NOUN
arjefm-85	237	24	.	.	PUNCT
arjefm-85	238	1	the	the	DET
arjefm-85	238	2	collected	collect	VERB
arjefm-85	238	3	deposits	deposit	NOUN
arjefm-85	238	4	are	be	AUX
arjefm-85	238	5	used	use	VERB
arjefm-85	238	6	to	to	PART
arjefm-85	238	7	fund	fund	VERB
arjefm-85	238	8	loans	loan	NOUN
arjefm-85	238	9	and	and	CCONJ
arjefm-85	238	10	other	other	ADJ
arjefm-85	238	11	earning	earn	VERB
arjefm-85	238	12	assets	asset	NOUN
arjefm-85	238	13	.	.	PUNCT
arjefm-85	239	1	inputs	input	NOUN
arjefm-85	239	2	and	and	CCONJ
arjefm-85	239	3	outputs	output	NOUN
arjefm-85	239	4	are	be	AUX
arjefm-85	239	5	therefore	therefore	ADV
arjefm-85	239	6	specified	specify	VERB
arjefm-85	239	7	using	use	VERB
arjefm-85	239	8	the	the	DET
arjefm-85	239	9	intermediation	intermediation	NOUN
arjefm-85	239	10	model	model	NOUN
arjefm-85	239	11	presented	present	VERB
arjefm-85	239	12	by	by	ADP
arjefm-85	239	13	sealey	sealey	NOUN
arjefm-85	239	14	and	and	CCONJ
arjefm-85	239	15	lindley	lindley	PROPN
arjefm-85	239	16	(	(	PUNCT
arjefm-85	239	17	1977	1977	NUM
arjefm-85	239	18	)	)	PUNCT
arjefm-85	239	19	.	.	PUNCT
arjefm-85	240	1	the	the	DET
arjefm-85	240	2	translog	translog	NOUN
arjefm-85	240	3	specification	specification	NOUN
arjefm-85	240	4	of	of	ADP
arjefm-85	240	5	the	the	DET
arjefm-85	240	6	used	use	VERB
arjefm-85	240	7	cost	cost	NOUN
arjefm-85	240	8	frontier	frontier	NOUN
arjefm-85	240	9	model	model	NOUN
arjefm-85	240	10	(	(	PUNCT
arjefm-85	240	11	relation	relation	NOUN
arjefm-85	240	12	3	3	NUM
arjefm-85	240	13	)	)	PUNCT
arjefm-85	240	14	is	be	AUX
arjefm-85	240	15	as	as	SCONJ
arjefm-85	240	16	follows	follow	VERB
arjefm-85	240	17	:	:	PUNCT
arjefm-85	240	18	in	in	ADP
arjefm-85	240	19	this	this	DET
arjefm-85	240	20	relation	relation	NOUN
arjefm-85	240	21	,	,	PUNCT
arjefm-85	240	22	i	i	PRON
arjefm-85	240	23	stands	stand	VERB
arjefm-85	240	24	for	for	ADP
arjefm-85	240	25	banks	bank	NOUN
arjefm-85	240	26	and	and	CCONJ
arjefm-85	240	27	ctit	ctit	NOUN
arjefm-85	240	28	is	be	AUX
arjefm-85	240	29	the	the	DET
arjefm-85	240	30	total	total	ADJ
arjefm-85	240	31	cost	cost	NOUN
arjefm-85	240	32	of	of	ADP
arjefm-85	240	33	bank	bank	NOUN
arjefm-85	240	34	i	i	PRON
arjefm-85	240	35	at	at	ADP
arjefm-85	240	36	the	the	DET
arjefm-85	240	37	year	year	NOUN
arjefm-85	240	38	t	t	PROPN
arjefm-85	240	39	where	where	SCONJ
arjefm-85	240	40	t	t	PROPN
arjefm-85	240	41	represents	represent	VERB
arjefm-85	240	42	years	year	NOUN
arjefm-85	240	43	.	.	PUNCT
arjefm-85	241	1	as	as	SCONJ
arjefm-85	241	2	j	j	PROPN
arjefm-85	241	3	is	be	AUX
arjefm-85	241	4	an	an	DET
arjefm-85	241	5	index	index	NOUN
arjefm-85	241	6	for	for	ADP
arjefm-85	241	7	labor	labor	NOUN
arjefm-85	241	8	(	(	PUNCT
arjefm-85	241	9	lab	lab	NOUN
arjefm-85	241	10	)	)	PUNCT
arjefm-85	241	11	,	,	PUNCT
arjefm-85	241	12	physical	physical	ADJ
arjefm-85	241	13	capital	capital	NOUN
arjefm-85	241	14	(	(	PUNCT
arjefm-85	241	15	cap	cap	NOUN
arjefm-85	241	16	)	)	PUNCT
arjefm-85	241	17	or	or	CCONJ
arjefm-85	241	18	financial	financial	ADJ
arjefm-85	241	19	capital	capital	NOUN
arjefm-85	241	20	(	(	PUNCT
arjefm-85	241	21	fin	fin	NOUN
arjefm-85	241	22	)	)	PUNCT
arjefm-85	241	23	,	,	PUNCT
arjefm-85	241	24	plabit	plabit	PROPN
arjefm-85	241	25	denotes	denote	VERB
arjefm-85	241	26	labor	labor	NOUN
arjefm-85	241	27	price	price	NOUN
arjefm-85	241	28	in	in	ADP
arjefm-85	241	29	bank	bank	NOUN
arjefm-85	241	30	at	at	ADP
arjefm-85	241	31	the	the	DET
arjefm-85	241	32	year	year	NOUN
arjefm-85	241	33	t	t	PROPN
arjefm-85	241	34	,	,	PUNCT
arjefm-85	241	35	pcapit	pcapit	VERB
arjefm-85	241	36	the	the	DET
arjefm-85	241	37	price	price	NOUN
arjefm-85	241	38	of	of	ADP
arjefm-85	241	39	physical	physical	ADJ
arjefm-85	241	40	capital	capital	NOUN
arjefm-85	241	41	of	of	ADP
arjefm-85	241	42	bank	bank	NOUN
arjefm-85	241	43	at	at	ADP
arjefm-85	241	44	year	year	NOUN
arjefm-85	241	45	t	t	PROPN
arjefm-85	241	46	and	and	CCONJ
arjefm-85	241	47	pfinit	pfinit	VERB
arjefm-85	241	48	the	the	DET
arjefm-85	241	49	remuneration	remuneration	NOUN
arjefm-85	241	50	of	of	ADP
arjefm-85	241	51	financial	financial	ADJ
arjefm-85	241	52	capital	capital	NOUN
arjefm-85	241	53	of	of	ADP
arjefm-85	241	54	bank	bank	PROPN
arjefm-85	241	55	i	i	PRON
arjefm-85	241	56	at	at	ADP
arjefm-85	241	57	time	time	NOUN
arjefm-85	241	58	t.	t.	PROPN
arjefm-85	241	59	the	the	DET
arjefm-85	241	60	authors	author	NOUN
arjefm-85	241	61	further	far	ADV
arjefm-85	241	62	noted	note	VERB
arjefm-85	241	63	yit	yit	PROPN
arjefm-85	241	64	the	the	DET
arjefm-85	241	65	output	output	NOUN
arjefm-85	241	66	of	of	ADP
arjefm-85	241	67	bank	bank	NOUN
arjefm-85	241	68	i	i	PRON
arjefm-85	241	69	at	at	ADP
arjefm-85	241	70	the	the	DET
arjefm-85	241	71	year	year	NOUN
arjefm-85	241	72	t	t	PROPN
arjefm-85	241	73	,	,	PUNCT
arjefm-85	241	74	v	v	ADP
arjefm-85	241	75	the	the	DET
arjefm-85	241	76	random	random	ADJ
arjefm-85	241	77	error	error	NOUN
arjefm-85	241	78	term	term	NOUN
arjefm-85	241	79	that	that	PRON
arjefm-85	241	80	incorporates	incorporate	VERB
arjefm-85	241	81	measurements	measurement	NOUN
arjefm-85	241	82	errors	error	NOUN
arjefm-85	241	83	and	and	CCONJ
arjefm-85	241	84	luck	luck	NOUN
arjefm-85	241	85	and	and	CCONJ
arjefm-85	241	86	u	u	PRON
arjefm-85	241	87	a	a	DET
arjefm-85	241	88	firm	firm	ADJ
arjefm-85	241	89	effect	effect	NOUN
arjefm-85	241	90	representing	represent	VERB
arjefm-85	241	91	the	the	DET
arjefm-85	241	92	bank	bank	NOUN
arjefm-85	241	93	inefficiency	inefficiency	NOUN
arjefm-85	241	94	level	level	NOUN
arjefm-85	241	95	,	,	PUNCT
arjefm-85	241	96	that	that	PRON
arjefm-85	241	97	is	be	AUX
arjefm-85	241	98	the	the	DET
arjefm-85	241	99	distance	distance	NOUN
arjefm-85	241	100	of	of	ADP
arjefm-85	241	101	an	an	DET
arjefm-85	241	102	individual	individual	NOUN
arjefm-85	241	103	to	to	ADP
arjefm-85	241	104	the	the	DET
arjefm-85	241	105	efficient	efficient	ADJ
arjefm-85	241	106	cost	cost	NOUN
arjefm-85	241	107	frontier	frontier	NOUN
arjefm-85	241	108	.	.	PUNCT
arjefm-85	242	1	indeed	indeed	ADV
arjefm-85	242	2	,	,	PUNCT
arjefm-85	242	3	cost	cost	NOUN
arjefm-85	242	4	efficiency	efficiency	NOUN
arjefm-85	242	5	measures	measure	NOUN
arjefm-85	242	6	the	the	DET
arjefm-85	242	7	distance	distance	NOUN
arjefm-85	242	8	of	of	ADP
arjefm-85	242	9	a	a	DET
arjefm-85	242	10	bank	bank	NOUN
arjefm-85	242	11	relative	relative	ADJ
arjefm-85	242	12	to	to	ADP
arjefm-85	242	13	the	the	DET
arjefm-85	242	14	cost	cost	NOUN
arjefm-85	242	15	of	of	ADP
arjefm-85	242	16	the	the	DET
arjefm-85	242	17	best	good	ADJ
arjefm-85	242	18	practice	practice	NOUN
arjefm-85	242	19	bank	bank	NOUN
arjefm-85	242	20	when	when	SCONJ
arjefm-85	242	21	both	both	DET
arjefm-85	242	22	banks	bank	NOUN
arjefm-85	242	23	produce	produce	VERB
arjefm-85	242	24	the	the	DET
arjefm-85	242	25	same	same	ADJ
arjefm-85	242	26	output	output	NOUN
arjefm-85	242	27	under	under	ADP
arjefm-85	242	28	the	the	DET
arjefm-85	242	29	same	same	ADJ
arjefm-85	242	30	conditions	condition	NOUN
arjefm-85	242	31	.	.	PUNCT
arjefm-85	243	1	the	the	DET
arjefm-85	243	2	cost	cost	NOUN
arjefm-85	243	3	efficiency	efficiency	NOUN
arjefm-85	243	4	scores	score	NOUN
arjefm-85	243	5	are	be	AUX
arjefm-85	243	6	therefore	therefore	ADV
arjefm-85	243	7	computed	compute	VERB
arjefm-85	243	8	as	as	ADP
arjefm-85	243	9	:	:	PUNCT
arjefm-85	243	10	among	among	ADP
arjefm-85	243	11	sample	sample	NOUN
arjefm-85	243	12	banks	bank	NOUN
arjefm-85	243	13	.	.	PUNCT
arjefm-85	244	1	table	table	NOUN
arjefm-85	244	2	4	4	NUM
arjefm-85	244	3	recapitulates	recapitulate	NOUN
arjefm-85	244	4	variables	variable	NOUN
arjefm-85	244	5	included	include	VERB
arjefm-85	244	6	in	in	ADP
arjefm-85	244	7	the	the	DET
arjefm-85	244	8	cost	cost	NOUN
arjefm-85	244	9	function	function	NOUN
arjefm-85	244	10	and	and	CCONJ
arjefm-85	244	11	their	their	PRON
arjefm-85	244	12	measure	measure	NOUN
arjefm-85	244	13	.	.	PUNCT
arjefm-85	245	1	table	table	NOUN
arjefm-85	245	2	5	5	NUM
arjefm-85	245	3	presents	present	VERB
arjefm-85	245	4	the	the	DET
arjefm-85	245	5	cost	cost	NOUN
arjefm-85	245	6	frontier	frontier	NOUN
arjefm-85	245	7	estimated	estimate	VERB
arjefm-85	245	8	efficiency	efficiency	NOUN
arjefm-85	245	9	scores	score	NOUN
arjefm-85	245	10	in	in	ADP
arjefm-85	245	11	the	the	DET
arjefm-85	245	12	cameroonian	cameroonian	PROPN
arjefm-85	245	13	banking	banking	NOUN
arjefm-85	245	14	.	.	PUNCT
arjefm-85	246	1	the	the	DET
arjefm-85	246	2	level	level	NOUN
arjefm-85	246	3	of	of	ADP
arjefm-85	246	4	estimated	estimate	VERB
arjefm-85	246	5	efficiency	efficiency	NOUN
arjefm-85	246	6	scores	score	NOUN
arjefm-85	246	7	varies	vary	VERB
arjefm-85	246	8	all	all	ADV
arjefm-85	246	9	along	along	ADP
arjefm-85	246	10	the	the	DET
arjefm-85	246	11	study	study	NOUN
arjefm-85	246	12	period	period	NOUN
arjefm-85	246	13	and	and	CCONJ
arjefm-85	246	14	between	between	ADP
arjefm-85	246	15	banks	bank	NOUN
arjefm-85	246	16	.	.	PUNCT
arjefm-85	247	1	the	the	DET
arjefm-85	247	2	highest	high	ADJ
arjefm-85	247	3	level	level	NOUN
arjefm-85	247	4	is	be	AUX
arjefm-85	247	5	attained	attain	VERB
arjefm-85	247	6	in	in	ADP
arjefm-85	247	7	2017	2017	NUM
arjefm-85	247	8	.	.	PUNCT
arjefm-85	248	1	concerning	concern	VERB
arjefm-85	248	2	bank	bank	NOUN
arjefm-85	248	3	analysis	analysis	NOUN
arjefm-85	248	4	,	,	PUNCT
arjefm-85	248	5	commercial	commercial	ADJ
arjefm-85	248	6	bank	bank	PROPN
arjefm-85	248	7	cameroon	cameroon	PROPN
arjefm-85	248	8	(	(	PUNCT
arjefm-85	248	9	cbc	cbc	PROPN
arjefm-85	248	10	)	)	PUNCT
arjefm-85	248	11	with	with	ADP
arjefm-85	248	12	more	more	ADJ
arjefm-85	248	13	than	than	ADP
arjefm-85	248	14	98	98	NUM
arjefm-85	248	15	%	%	NOUN
arjefm-85	248	16	state	state	NOUN
arjefm-85	248	17	participation	participation	NOUN
arjefm-85	248	18	in	in	ADP
arjefm-85	248	19	the	the	DET
arjefm-85	248	20	capital	capital	NOUN
arjefm-85	248	21	,	,	PUNCT
arjefm-85	248	22	that	that	PRON
arjefm-85	248	23	was	be	AUX
arjefm-85	248	24	not	not	PART
arjefm-85	248	25	regulatory	regulatory	ADJ
arjefm-85	248	26	compliant	compliant	NOUN
arjefm-85	248	27	in	in	ADP
arjefm-85	248	28	2009	2009	NUM
arjefm-85	248	29	and	and	CCONJ
arjefm-85	248	30	goes	go	VERB
arjefm-85	248	31	into	into	ADP
arjefm-85	248	32	a	a	DET
arjefm-85	248	33	restructuring	restructuring	NOUN
arjefm-85	248	34	process	process	NOUN
arjefm-85	248	35	and	and	CCONJ
arjefm-85	248	36	a	a	DET
arjefm-85	248	37	temporarily	temporarily	ADV
arjefm-85	248	38	management	management	NOUN
arjefm-85	248	39	until	until	SCONJ
arjefm-85	248	40	2018	2018	NUM
arjefm-85	248	41	is	be	AUX
arjefm-85	248	42	also	also	ADV
arjefm-85	248	43	the	the	DET
arjefm-85	248	44	less	less	ADV
arjefm-85	248	45	efficient	efficient	ADJ
arjefm-85	248	46	bank	bank	NOUN
arjefm-85	248	47	of	of	ADP
arjefm-85	248	48	the	the	DET
arjefm-85	248	49	studied	studied	ADJ
arjefm-85	248	50	sample	sample	NOUN
arjefm-85	248	51	.	.	PUNCT
arjefm-85	249	1	control	control	NOUN
arjefm-85	249	2	variables	variable	NOUN
arjefm-85	249	3	for	for	ADP
arjefm-85	249	4	the	the	DET
arjefm-85	249	5	explanatory	explanatory	ADJ
arjefm-85	249	6	variables	variable	NOUN
arjefm-85	249	7	the	the	DET
arjefm-85	249	8	authors	author	NOUN
arjefm-85	249	9	used	use	VERB
arjefm-85	249	10	a	a	DET
arjefm-85	249	11	broad	broad	ADJ
arjefm-85	249	12	range	range	NOUN
arjefm-85	249	13	of	of	ADP
arjefm-85	249	14	bank	bank	NOUN
arjefm-85	249	15	-	-	PUNCT
arjefm-85	249	16	specific	specific	ADJ
arjefm-85	249	17	and	and	CCONJ
arjefm-85	249	18	country	country	NOUN
arjefm-85	249	19	specific	specific	ADJ
arjefm-85	249	20	variables	variable	NOUN
arjefm-85	249	21	that	that	PRON
arjefm-85	249	22	are	be	AUX
arjefm-85	249	23	believed	believe	VERB
arjefm-85	249	24	to	to	PART
arjefm-85	249	25	be	be	AUX
arjefm-85	249	26	important	important	ADJ
arjefm-85	249	27	in	in	ADP
arjefm-85	249	28	explaining	explain	VERB
arjefm-85	249	29	performance	performance	NOUN
arjefm-85	249	30	and	and	CCONJ
arjefm-85	249	31	risk	risk	NOUN
arjefm-85	249	32	.	.	PUNCT
arjefm-85	250	1	these	these	PRON
arjefm-85	250	2	include	include	VERB
arjefm-85	250	3	loans	loan	NOUN
arjefm-85	250	4	growth	growth	NOUN
arjefm-85	250	5	(	(	PUNCT
arjefm-85	250	6	loang	loang	NOUN
arjefm-85	250	7	)	)	PUNCT
arjefm-85	250	8	as	as	SCONJ
arjefm-85	250	9	rapid	rapid	ADJ
arjefm-85	250	10	loan	loan	NOUN
arjefm-85	250	11	growth	growth	NOUN
arjefm-85	250	12	may	may	AUX
arjefm-85	250	13	increase	increase	VERB
arjefm-85	250	14	risk	risk	NOUN
arjefm-85	250	15	and	and	CCONJ
arjefm-85	250	16	impact	impact	NOUN
arjefm-85	250	17	adversely	adversely	ADV
arjefm-85	250	18	on	on	ADP
arjefm-85	250	19	capital	capital	NOUN
arjefm-85	250	20	and	and	CCONJ
arjefm-85	250	21	bank	bank	NOUN
arjefm-85	250	22	efficiency	efficiency	NOUN
arjefm-85	250	23	.	.	PUNCT
arjefm-85	251	1	bank	bank	NOUN
arjefm-85	251	2	size	size	NOUN
arjefm-85	251	3	,	,	PUNCT
arjefm-85	251	4	through	through	ADP
arjefm-85	251	5	economies	economy	NOUN
arjefm-85	251	6	of	of	ADP
arjefm-85	251	7	scale	scale	NOUN
arjefm-85	251	8	,	,	PUNCT
arjefm-85	251	9	may	may	AUX
arjefm-85	251	10	influence	influence	VERB
arjefm-85	251	11	the	the	DET
arjefm-85	251	12	relationship	relationship	NOUN
arjefm-85	251	13	between	between	ADP
arjefm-85	251	14	capital	capital	NOUN
arjefm-85	251	15	,	,	PUNCT
arjefm-85	251	16	risk	risk	NOUN
arjefm-85	251	17	and	and	CCONJ
arjefm-85	251	18	efficiency	efficiency	NOUN
arjefm-85	251	19	so	so	SCONJ
arjefm-85	251	20	we	we	PRON
arjefm-85	251	21	control	control	VERB
arjefm-85	251	22	for	for	ADP
arjefm-85	251	23	the	the	DET
arjefm-85	251	24	assets	asset	NOUN
arjefm-85	251	25	size	size	NOUN
arjefm-85	251	26	of	of	ADP
arjefm-85	251	27	banks	bank	NOUN
arjefm-85	251	28	(	(	PUNCT
arjefm-85	251	29	size	size	NOUN
arjefm-85	251	30	)	)	PUNCT
arjefm-85	251	31	.	.	PUNCT
arjefm-85	252	1	big	big	ADJ
arjefm-85	252	2	banks	bank	NOUN
arjefm-85	252	3	,	,	PUNCT
arjefm-85	252	4	typically	typically	ADV
arjefm-85	252	5	hold	hold	VERB
arjefm-85	252	6	less	less	ADJ
arjefm-85	252	7	capital	capital	NOUN
arjefm-85	252	8	than	than	ADP
arjefm-85	252	9	smaller	small	ADJ
arjefm-85	252	10	banks	bank	NOUN
arjefm-85	252	11	;	;	PUNCT
arjefm-85	252	12	they	they	PRON
arjefm-85	252	13	may	may	AUX
arjefm-85	252	14	also	also	ADV
arjefm-85	252	15	be	be	AUX
arjefm-85	252	16	more	more	ADV
arjefm-85	252	17	diversified	diversified	ADJ
arjefm-85	252	18	and	and	CCONJ
arjefm-85	252	19	gain	gain	VERB
arjefm-85	252	20	from	from	ADP
arjefm-85	252	21	other	other	ADJ
arjefm-85	252	22	size	size	NOUN
arjefm-85	252	23	advantages	advantage	NOUN
arjefm-85	252	24	so	so	SCONJ
arjefm-85	252	25	it	it	PRON
arjefm-85	252	26	is	be	AUX
arjefm-85	252	27	important	important	ADJ
arjefm-85	252	28	to	to	PART
arjefm-85	252	29	control	control	VERB
arjefm-85	252	30	for	for	ADP
arjefm-85	252	31	this	this	DET
arjefm-85	252	32	factor	factor	NOUN
arjefm-85	252	33	.	.	PUNCT
arjefm-85	253	1	table	table	NOUN
arjefm-85	253	2	6	6	NUM
arjefm-85	253	3	provides	provide	VERB
arjefm-85	253	4	a	a	DET
arjefm-85	253	5	synthetized	synthetize	VERB
arjefm-85	253	6	description	description	NOUN
arjefm-85	253	7	of	of	ADP
arjefm-85	253	8	the	the	DET
arjefm-85	253	9	variables	variable	NOUN
arjefm-85	253	10	includes	include	VERB
arjefm-85	253	11	in	in	ADP
arjefm-85	253	12	the	the	DET
arjefm-85	253	13	system	system	NOUN
arjefm-85	253	14	of	of	ADP
arjefm-85	253	15	equation	equation	NOUN
arjefm-85	253	16	to	to	PART
arjefm-85	253	17	be	be	AUX
arjefm-85	253	18	estimated	estimate	VERB
arjefm-85	253	19	.	.	PUNCT
arjefm-85	254	1	modelling	model	VERB
arjefm-85	254	2	framework	framework	NOUN
arjefm-85	254	3	(	(	PUNCT
arjefm-85	254	4	3	3	NUM
arjefm-85	254	5	)	)	PUNCT
arjefm-85	254	6	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-85	254	7	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	255	1	american	american	PROPN
arjefm-85	255	2	research	research	PROPN
arjefm-85	255	3	journal	journal	PROPN
arjefm-85	255	4	of	of	ADP
arjefm-85	255	5	economics	economic	NOUN
arjefm-85	255	6	,	,	PUNCT
arjefm-85	255	7	finance	finance	NOUN
arjefm-85	255	8	and	and	CCONJ
arjefm-85	255	9	management	management	NOUN
arjefm-85	255	10	volume	volume	NOUN
arjefm-85	255	11	12	12	NUM
arjefm-85	255	12	issue	issue	NOUN
arjefm-85	255	13	1	1	NUM
arjefm-85	255	14	,	,	PUNCT
arjefm-85	255	15	january	january	PROPN
arjefm-85	255	16	-	-	PUNCT
arjefm-85	255	17	february	february	PROPN
arjefm-85	255	18	2024	2024	NUM
arjefm-85	255	19	issn	issn	NOUN
arjefm-85	255	20	:	:	PUNCT
arjefm-85	255	21	2836	2836	NUM
arjefm-85	255	22	-	-	SYM
arjefm-85	255	23	9416	9416	NUM
arjefm-85	255	24	impact	impact	NOUN
arjefm-85	255	25	factor	factor	NOUN
arjefm-85	255	26	:	:	PUNCT
arjefm-85	255	27	5.57	5.57	NUM
arjefm-85	255	28	journal	journal	NOUN
arjefm-85	255	29	homepage	homepage	NOUN
arjefm-85	255	30	:	:	PUNCT
arjefm-85	255	31	https://	https://	PROPN
arjefm-85	255	32	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	255	33	,	,	PUNCT
arjefm-85	255	34	email	email	NOUN
arjefm-85	255	35	:	:	PUNCT
arjefm-85	255	36	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	255	37	official	official	ADJ
arjefm-85	255	38	journal	journal	PROPN
arjefm-85	255	39	of	of	ADP
arjefm-85	255	40	america	america	PROPN
arjefm-85	255	41	serial	serial	PROPN
arjefm-85	255	42	publication	publication	NOUN
arjefm-85	255	43	advanced	advanced	ADJ
arjefm-85	255	44	journal	journal	NOUN
arjefm-85	255	45	of	of	ADP
arjefm-85	255	46	economics	economic	NOUN
arjefm-85	255	47	and	and	CCONJ
arjefm-85	255	48	business	business	NOUN
arjefm-85	255	49	research	research	NOUN
arjefm-85	255	50	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	255	51	,	,	PUNCT
arjefm-85	255	52	email	email	NOUN
arjefm-85	255	53	:	:	PUNCT
arjefm-85	256	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	256	2	58	58	NUM
arjefm-85	257	1	|	|	ADV
arjefm-85	257	2	p	p	X
arjefm-85	257	3	a	a	DET
arjefm-85	257	4	g	g	NOUN
arjefm-85	257	5	e	e	NOUN
arjefm-85	257	6	the	the	DET
arjefm-85	257	7	modelling	modelling	NOUN
arjefm-85	257	8	framework	framework	NOUN
arjefm-85	257	9	adopted	adopt	VERB
arjefm-85	257	10	to	to	PART
arjefm-85	257	11	test	test	VERB
arjefm-85	257	12	the	the	DET
arjefm-85	257	13	hypotheses	hypothesis	NOUN
arjefm-85	257	14	in	in	ADP
arjefm-85	257	15	this	this	DET
arjefm-85	257	16	study	study	NOUN
arjefm-85	257	17	is	be	AUX
arjefm-85	257	18	based	base	VERB
arjefm-85	257	19	on	on	ADP
arjefm-85	257	20	the	the	DET
arjefm-85	257	21	various	various	ADJ
arjefm-85	257	22	approaches	approach	NOUN
arjefm-85	257	23	suggested	suggest	VERB
arjefm-85	257	24	by	by	ADP
arjefm-85	257	25	the	the	DET
arjefm-85	257	26	strand	strand	NOUN
arjefm-85	257	27	of	of	ADP
arjefm-85	257	28	the	the	DET
arjefm-85	257	29	literature	literature	NOUN
arjefm-85	257	30	aiming	aim	VERB
arjefm-85	257	31	to	to	PART
arjefm-85	257	32	criticize	criticize	VERB
arjefm-85	257	33	the	the	DET
arjefm-85	257	34	earlier	early	ADJ
arjefm-85	257	35	causality	causality	NOUN
arjefm-85	257	36	approach	approach	NOUN
arjefm-85	257	37	proposed	propose	VERB
arjefm-85	257	38	by	by	ADP
arjefm-85	257	39	berger	berger	PROPN
arjefm-85	257	40	and	and	CCONJ
arjefm-85	257	41	deyoung	deyoung	PROPN
arjefm-85	257	42	(	(	PUNCT
arjefm-85	257	43	1997	1997	NUM
arjefm-85	257	44	)	)	PUNCT
arjefm-85	257	45	in	in	ADP
arjefm-85	257	46	their	their	PRON
arjefm-85	257	47	seminal	seminal	ADJ
arjefm-85	257	48	contribution	contribution	NOUN
arjefm-85	257	49	and	and	CCONJ
arjefm-85	257	50	implemented	implement	VERB
arjefm-85	257	51	by	by	ADP
arjefm-85	257	52	several	several	ADJ
arjefm-85	257	53	researchers	researcher	NOUN
arjefm-85	257	54	.	.	PUNCT
arjefm-85	258	1	as	as	ADP
arjefm-85	258	2	a	a	DET
arjefm-85	258	3	response	response	NOUN
arjefm-85	258	4	to	to	ADP
arjefm-85	258	5	causality	causality	NOUN
arjefm-85	258	6	approach	approach	NOUN
arjefm-85	258	7	and	and	CCONJ
arjefm-85	258	8	taken	take	VERB
arjefm-85	258	9	all	all	PRON
arjefm-85	258	10	together	together	ADV
arjefm-85	258	11	,	,	PUNCT
arjefm-85	258	12	a	a	DET
arjefm-85	258	13	significant	significant	ADJ
arjefm-85	258	14	part	part	NOUN
arjefm-85	258	15	of	of	ADP
arjefm-85	258	16	proposed	propose	VERB
arjefm-85	258	17	approaches	approach	NOUN
arjefm-85	258	18	in	in	ADP
arjefm-85	258	19	this	this	DET
arjefm-85	258	20	empirical	empirical	ADJ
arjefm-85	258	21	literature	literature	NOUN
arjefm-85	258	22	implicitly	implicitly	ADV
arjefm-85	258	23	suggest	suggest	VERB
arjefm-85	258	24	that	that	SCONJ
arjefm-85	258	25	,	,	PUNCT
arjefm-85	258	26	as	as	SCONJ
arjefm-85	258	27	bank	bank	NOUN
arjefm-85	258	28	capital	capital	NOUN
arjefm-85	258	29	risk	risk	NOUN
arjefm-85	258	30	and	and	CCONJ
arjefm-85	258	31	efficiency	efficiency	NOUN
arjefm-85	258	32	are	be	AUX
arjefm-85	258	33	determined	determine	VERB
arjefm-85	258	34	simultaneously	simultaneously	ADV
arjefm-85	258	35	,	,	PUNCT
arjefm-85	258	36	examining	examine	VERB
arjefm-85	258	37	the	the	DET
arjefm-85	258	38	investigated	investigate	VERB
arjefm-85	258	39	relationships	relationship	NOUN
arjefm-85	258	40	should	should	AUX
arjefm-85	258	41	best	well	ADV
arjefm-85	258	42	be	be	AUX
arjefm-85	258	43	evaluated	evaluate	VERB
arjefm-85	258	44	in	in	ADP
arjefm-85	258	45	an	an	DET
arjefm-85	258	46	appropriate	appropriate	ADJ
arjefm-85	258	47	system	system	NOUN
arjefm-85	258	48	of	of	ADP
arjefm-85	258	49	simultaneous	simultaneous	ADJ
arjefm-85	258	50	equations	equation	NOUN
arjefm-85	258	51	,	,	PUNCT
arjefm-85	258	52	further	far	ADV
arjefm-85	258	53	estimated	estimate	VERB
arjefm-85	258	54	by	by	ADP
arjefm-85	258	55	efficient	efficient	ADJ
arjefm-85	258	56	estimators	estimator	NOUN
arjefm-85	258	57	(	(	PUNCT
arjefm-85	258	58	tan	tan	NOUN
arjefm-85	258	59	and	and	CCONJ
arjefm-85	258	60	floros	floro	NOUN
arjefm-85	258	61	,	,	PUNCT
arjefm-85	258	62	2013	2013	NUM
arjefm-85	258	63	)	)	PUNCT
arjefm-85	258	64	,	,	PUNCT
arjefm-85	258	65	altunbas	altunbas	PROPN
arjefm-85	258	66	et	et	PROPN
arjefm-85	258	67	al	al	PROPN
arjefm-85	258	68	.	.	PUNCT
arjefm-85	259	1	(	(	PUNCT
arjefm-85	259	2	2007	2007	NUM
arjefm-85	259	3	)	)	PUNCT
arjefm-85	259	4	,	,	PUNCT
arjefm-85	259	5	moudud	moudud	PROPN
arjefm-85	259	6	-	-	PUNCT
arjefm-85	259	7	ul	ul	INTJ
arjefm-85	259	8	-	-	PUNCT
arjefm-85	259	9	huq	huq	PROPN
arjefm-85	259	10	(	(	PUNCT
arjefm-85	259	11	2019	2019	NUM
arjefm-85	259	12	)	)	PUNCT
arjefm-85	259	13	,	,	PUNCT
arjefm-85	259	14	moudud	moudud	PROPN
arjefm-85	259	15	-	-	PUNCT
arjefm-85	259	16	ul	ul	INTJ
arjefm-85	259	17	-	-	PUNCT
arjefm-85	259	18	huq	huq	PROPN
arjefm-85	259	19	(	(	PUNCT
arjefm-85	259	20	2020	2020	NUM
arjefm-85	259	21	)	)	PUNCT
arjefm-85	259	22	.	.	PUNCT
arjefm-85	260	1	the	the	DET
arjefm-85	260	2	authors	author	NOUN
arjefm-85	260	3	therefore	therefore	ADV
arjefm-85	260	4	specify	specify	VERB
arjefm-85	260	5	a	a	DET
arjefm-85	260	6	system	system	NOUN
arjefm-85	260	7	of	of	ADP
arjefm-85	260	8	equations	equation	NOUN
arjefm-85	260	9	and	and	CCONJ
arjefm-85	260	10	estimate	estimate	VERB
arjefm-85	260	11	these	these	PRON
arjefm-85	260	12	using	use	VERB
arjefm-85	260	13	the	the	DET
arjefm-85	260	14	three	three	NUM
arjefm-85	260	15	stage	stage	NOUN
arjefm-85	260	16	least	least	ADJ
arjefm-85	260	17	squares	square	NOUN
arjefm-85	260	18	panel	panel	NOUN
arjefm-85	260	19	data	data	PROPN
arjefm-85	260	20	estimator	estimator	NOUN
arjefm-85	260	21	technique	technique	NOUN
arjefm-85	260	22	.	.	PUNCT
arjefm-85	261	1	this	this	PRON
arjefm-85	261	2	allows	allow	VERB
arjefm-85	261	3	for	for	ADP
arjefm-85	261	4	simultaneity	simultaneity	NOUN
arjefm-85	261	5	between	between	ADP
arjefm-85	261	6	banks	bank	NOUN
arjefm-85	261	7	’	’	PART
arjefm-85	261	8	risk	risk	NOUN
arjefm-85	261	9	,	,	PUNCT
arjefm-85	261	10	capital	capital	NOUN
arjefm-85	261	11	and	and	CCONJ
arjefm-85	261	12	efficiency	efficiency	NOUN
arjefm-85	261	13	while	while	SCONJ
arjefm-85	261	14	also	also	ADV
arjefm-85	261	15	controlling	control	VERB
arjefm-85	261	16	for	for	ADP
arjefm-85	261	17	important	important	ADJ
arjefm-85	261	18	other	other	ADJ
arjefm-85	261	19	bank	bank	NOUN
arjefm-85	261	20	specific	specific	ADJ
arjefm-85	261	21	factors	factor	NOUN
arjefm-85	261	22	and	and	CCONJ
arjefm-85	261	23	endogeneity	endogeneity	NOUN
arjefm-85	261	24	.	.	PUNCT
arjefm-85	262	1	the	the	DET
arjefm-85	262	2	system	system	NOUN
arjefm-85	262	3	of	of	ADP
arjefm-85	262	4	equations	equation	NOUN
arjefm-85	262	5	estimated	estimate	VERB
arjefm-85	262	6	is	be	AUX
arjefm-85	262	7	as	as	SCONJ
arjefm-85	262	8	follows	follow	VERB
arjefm-85	262	9	:	:	PUNCT
arjefm-85	262	10	(	(	PUNCT
arjefm-85	262	11	4	4	NUM
arjefm-85	262	12	)	)	PUNCT
arjefm-85	262	13	(	(	PUNCT
arjefm-85	262	14	5	5	NUM
arjefm-85	262	15	)	)	PUNCT
arjefm-85	262	16	(	(	PUNCT
arjefm-85	262	17	6	6	X
arjefm-85	262	18	)	)	PUNCT
arjefm-85	262	19	the	the	DET
arjefm-85	262	20	relations	relation	NOUN
arjefm-85	262	21	(	(	PUNCT
arjefm-85	262	22	4	4	NUM
arjefm-85	262	23	)	)	PUNCT
arjefm-85	262	24	,	,	PUNCT
arjefm-85	262	25	(	(	PUNCT
arjefm-85	262	26	5	5	NUM
arjefm-85	262	27	)	)	PUNCT
arjefm-85	262	28	,	,	PUNCT
arjefm-85	262	29	and	and	CCONJ
arjefm-85	262	30	(	(	PUNCT
arjefm-85	262	31	6	6	X
arjefm-85	262	32	)	)	PUNCT
arjefm-85	262	33	satisfy	satisfy	VERB
arjefm-85	262	34	the	the	DET
arjefm-85	262	35	order	order	NOUN
arjefm-85	262	36	conditions	condition	NOUN
arjefm-85	262	37	required	require	VERB
arjefm-85	262	38	for	for	ADP
arjefm-85	262	39	the	the	DET
arjefm-85	262	40	identification	identification	NOUN
arjefm-85	262	41	in	in	ADP
arjefm-85	262	42	simultaneous	simultaneous	ADJ
arjefm-85	262	43	equations	equation	NOUN
arjefm-85	262	44	system	system	NOUN
arjefm-85	262	45	.	.	PUNCT
arjefm-85	263	1	results	result	NOUN
arjefm-85	263	2	and	and	CCONJ
arjefm-85	263	3	discussion	discussion	NOUN
arjefm-85	263	4	bank	bank	NOUN
arjefm-85	263	5	risk	risk	NOUN
arjefm-85	263	6	equation	equation	NOUN
arjefm-85	263	7	results	result	NOUN
arjefm-85	263	8	in	in	ADP
arjefm-85	263	9	this	this	DET
arjefm-85	263	10	equation	equation	NOUN
arjefm-85	263	11	,	,	PUNCT
arjefm-85	263	12	the	the	DET
arjefm-85	263	13	authors	author	NOUN
arjefm-85	263	14	are	be	AUX
arjefm-85	263	15	interested	interested	ADJ
arjefm-85	263	16	by	by	ADP
arjefm-85	263	17	the	the	DET
arjefm-85	263	18	sign	sign	NOUN
arjefm-85	263	19	of	of	ADP
arjefm-85	263	20	the	the	DET
arjefm-85	263	21	capital	capital	NOUN
arjefm-85	263	22	variable	variable	ADJ
arjefm-85	263	23	coefficient	coefficient	NOUN
arjefm-85	263	24	.	.	PUNCT
arjefm-85	264	1	if	if	SCONJ
arjefm-85	264	2	this	this	DET
arjefm-85	264	3	coefficient	coefficient	NOUN
arjefm-85	264	4	is	be	AUX
arjefm-85	264	5	significant	significant	ADJ
arjefm-85	264	6	and	and	CCONJ
arjefm-85	264	7	negative	negative	ADJ
arjefm-85	264	8	,	,	PUNCT
arjefm-85	264	9	they	they	PRON
arjefm-85	264	10	will	will	AUX
arjefm-85	264	11	assert	assert	VERB
arjefm-85	264	12	that	that	DET
arjefm-85	264	13	hypothesis	hypothesis	NOUN
arjefm-85	264	14	h1	h1	NOUN
arjefm-85	264	15	is	be	AUX
arjefm-85	264	16	validated	validate	VERB
arjefm-85	264	17	.	.	PUNCT
arjefm-85	265	1	the	the	DET
arjefm-85	265	2	estimated	estimate	VERB
arjefm-85	265	3	coefficient	coefficient	NOUN
arjefm-85	265	4	of	of	ADP
arjefm-85	265	5	bank	bank	NOUN
arjefm-85	265	6	capital	capital	NOUN
arjefm-85	265	7	variable	variable	NOUN
arjefm-85	265	8	(	(	PUNCT
arjefm-85	265	9	∆capt	∆capt	X
arjefm-85	265	10	)	)	PUNCT
arjefm-85	265	11	is	be	AUX
arjefm-85	265	12	however	however	ADV
arjefm-85	265	13	significantly	significantly	ADV
arjefm-85	265	14	positive	positive	ADJ
arjefm-85	265	15	on	on	ADP
arjefm-85	265	16	5	5	NUM
arjefm-85	265	17	%	%	NOUN
arjefm-85	265	18	level	level	NOUN
arjefm-85	265	19	,	,	PUNCT
arjefm-85	265	20	suggesting	suggest	VERB
arjefm-85	265	21	that	that	SCONJ
arjefm-85	265	22	the	the	DET
arjefm-85	265	23	changes	change	NOUN
arjefm-85	265	24	in	in	ADP
arjefm-85	265	25	risk	risk	NOUN
arjefm-85	265	26	and	and	CCONJ
arjefm-85	265	27	capital	capital	NOUN
arjefm-85	265	28	are	be	AUX
arjefm-85	265	29	positively	positively	ADV
arjefm-85	265	30	related	relate	VERB
arjefm-85	265	31	.	.	PUNCT
arjefm-85	266	1	the	the	DET
arjefm-85	266	2	hypothesis	hypothesis	NOUN
arjefm-85	266	3	h1	h1	NOUN
arjefm-85	266	4	is	be	AUX
arjefm-85	266	5	therefore	therefore	ADV
arjefm-85	266	6	not	not	PART
arjefm-85	266	7	validated	validate	VERB
arjefm-85	266	8	.	.	PUNCT
arjefm-85	267	1	this	this	DET
arjefm-85	267	2	result	result	NOUN
arjefm-85	267	3	is	be	AUX
arjefm-85	267	4	consistent	consistent	ADJ
arjefm-85	267	5	with	with	ADP
arjefm-85	267	6	abbas	abbas	PROPN
arjefm-85	267	7	et	et	PROPN
arjefm-85	267	8	al	al	PROPN
arjefm-85	267	9	.	.	PROPN
arjefm-85	268	1	(	(	PUNCT
arjefm-85	268	2	2021	2021	NUM
arjefm-85	268	3	)	)	PUNCT
arjefm-85	268	4	,	,	PUNCT
arjefm-85	268	5	but	but	CCONJ
arjefm-85	268	6	do	do	AUX
arjefm-85	268	7	not	not	PART
arjefm-85	268	8	confirm	confirm	VERB
arjefm-85	268	9	the	the	DET
arjefm-85	268	10	findings	finding	NOUN
arjefm-85	268	11	of	of	ADP
arjefm-85	268	12	ding	ding	NOUN
arjefm-85	268	13	and	and	CCONJ
arjefm-85	268	14	sickles	sickle	NOUN
arjefm-85	268	15	(	(	PUNCT
arjefm-85	268	16	2018	2018	NUM
arjefm-85	268	17	)	)	PUNCT
arjefm-85	268	18	or	or	CCONJ
arjefm-85	268	19	jiang	jiang	PROPN
arjefm-85	268	20	et	et	PROPN
arjefm-85	268	21	al	al	PROPN
arjefm-85	268	22	.	.	PROPN
arjefm-85	269	1	(	(	PUNCT
arjefm-85	269	2	2020	2020	NUM
arjefm-85	269	3	)	)	PUNCT
arjefm-85	269	4	.	.	PUNCT
arjefm-85	270	1	therefore	therefore	ADV
arjefm-85	270	2	,	,	PUNCT
arjefm-85	270	3	faced	face	VERB
arjefm-85	270	4	with	with	ADP
arjefm-85	270	5	more	more	ADV
arjefm-85	270	6	stringent	stringent	ADJ
arjefm-85	270	7	capital	capital	NOUN
arjefm-85	270	8	requirements	requirement	NOUN
arjefm-85	270	9	in	in	ADP
arjefm-85	270	10	difficult	difficult	ADJ
arjefm-85	270	11	times	time	NOUN
arjefm-85	270	12	as	as	SCONJ
arjefm-85	270	13	noted	note	VERB
arjefm-85	270	14	during	during	ADP
arjefm-85	270	15	the	the	DET
arjefm-85	270	16	2007	2007	NUM
arjefm-85	270	17	crisis	crisis	NOUN
arjefm-85	270	18	or	or	CCONJ
arjefm-85	270	19	covid	covid	VERB
arjefm-85	270	20	19	19	NUM
arjefm-85	270	21	pandemic	pandemic	ADJ
arjefm-85	270	22	,	,	PUNCT
arjefm-85	270	23	commercial	commercial	ADJ
arjefm-85	270	24	banks	bank	NOUN
arjefm-85	270	25	in	in	ADP
arjefm-85	270	26	cameroon	cameroon	PROPN
arjefm-85	270	27	seem	seem	VERB
arjefm-85	270	28	to	to	PART
arjefm-85	270	29	structure	structure	VERB
arjefm-85	270	30	their	their	PRON
arjefm-85	270	31	activities	activity	NOUN
arjefm-85	270	32	in	in	ADP
arjefm-85	270	33	a	a	DET
arjefm-85	270	34	way	way	NOUN
arjefm-85	270	35	to	to	PART
arjefm-85	270	36	reduce	reduce	VERB
arjefm-85	270	37	the	the	DET
arjefm-85	270	38	regulation	regulation	NOUN
arjefm-85	270	39	burden	burden	NOUN
arjefm-85	270	40	without	without	ADP
arjefm-85	270	41	a	a	DET
arjefm-85	270	42	corresponding	corresponding	ADJ
arjefm-85	270	43	reduction	reduction	NOUN
arjefm-85	270	44	in	in	ADP
arjefm-85	270	45	the	the	DET
arjefm-85	270	46	underlying	underlie	VERB
arjefm-85	270	47	risk	risk	NOUN
arjefm-85	270	48	.	.	PUNCT
arjefm-85	271	1	this	this	PRON
arjefm-85	271	2	can	can	AUX
arjefm-85	271	3	explain	explain	VERB
arjefm-85	271	4	the	the	DET
arjefm-85	271	5	high	high	ADJ
arjefm-85	271	6	level	level	NOUN
arjefm-85	271	7	of	of	ADP
arjefm-85	271	8	non	non	ADJ
arjefm-85	271	9	-	-	ADJ
arjefm-85	271	10	performing	performing	ADJ
arjefm-85	271	11	loans	loan	NOUN
arjefm-85	271	12	observed	observe	VERB
arjefm-85	271	13	in	in	ADP
arjefm-85	271	14	this	this	DET
arjefm-85	271	15	country	country	NOUN
arjefm-85	271	16	in	in	ADP
arjefm-85	271	17	recent	recent	ADJ
arjefm-85	271	18	years	year	NOUN
arjefm-85	271	19	despite	despite	SCONJ
arjefm-85	271	20	measures	measure	NOUN
arjefm-85	271	21	taken	take	VERB
arjefm-85	271	22	by	by	ADP
arjefm-85	271	23	cobac	cobac	NOUN
arjefm-85	271	24	.	.	PUNCT
arjefm-85	272	1	the	the	DET
arjefm-85	272	2	authors	author	NOUN
arjefm-85	272	3	are	be	AUX
arjefm-85	272	4	also	also	ADV
arjefm-85	272	5	interested	interested	ADJ
arjefm-85	272	6	by	by	ADP
arjefm-85	272	7	the	the	DET
arjefm-85	272	8	sign	sign	NOUN
arjefm-85	272	9	and	and	CCONJ
arjefm-85	272	10	of	of	ADP
arjefm-85	272	11	the	the	DET
arjefm-85	272	12	coefficient	coefficient	NOUN
arjefm-85	272	13	of	of	ADP
arjefm-85	272	14	the	the	DET
arjefm-85	272	15	efficiency	efficiency	NOUN
arjefm-85	272	16	variable	variable	NOUN
arjefm-85	272	17	.	.	PUNCT
arjefm-85	273	1	a	a	DET
arjefm-85	273	2	negative	negative	ADJ
arjefm-85	273	3	and	and	CCONJ
arjefm-85	273	4	significant	significant	ADJ
arjefm-85	273	5	coefficient	coefficient	NOUN
arjefm-85	273	6	would	would	AUX
arjefm-85	273	7	indicate	indicate	VERB
arjefm-85	273	8	that	that	SCONJ
arjefm-85	273	9	there	there	PRON
arjefm-85	273	10	is	be	VERB
arjefm-85	273	11	a	a	DET
arjefm-85	273	12	tradeoff	tradeoff	NOUN
arjefm-85	273	13	between	between	ADP
arjefm-85	273	14	the	the	DET
arjefm-85	273	15	efficiency	efficiency	NOUN
arjefm-85	273	16	and	and	CCONJ
arjefm-85	273	17	risk	risk	NOUN
arjefm-85	273	18	and	and	CCONJ
arjefm-85	273	19	that	that	SCONJ
arjefm-85	273	20	this	this	PRON
arjefm-85	273	21	is	be	AUX
arjefm-85	273	22	explained	explain	VERB
arjefm-85	273	23	by	by	ADP
arjefm-85	273	24	the	the	DET
arjefm-85	273	25	bad	bad	ADJ
arjefm-85	273	26	management	management	NOUN
arjefm-85	273	27	hypothesis	hypothesis	NOUN
arjefm-85	273	28	.	.	PUNCT
arjefm-85	274	1	the	the	DET
arjefm-85	274	2	results	result	NOUN
arjefm-85	274	3	of	of	ADP
arjefm-85	274	4	the	the	DET
arjefm-85	274	5	risk	risk	NOUN
arjefm-85	274	6	equation	equation	NOUN
arjefm-85	274	7	presented	present	VERB
arjefm-85	274	8	in	in	ADP
arjefm-85	274	9	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	274	10	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	274	11	american	american	PROPN
arjefm-85	274	12	research	research	PROPN
arjefm-85	274	13	journal	journal	PROPN
arjefm-85	274	14	of	of	ADP
arjefm-85	274	15	economics	economic	NOUN
arjefm-85	274	16	,	,	PUNCT
arjefm-85	274	17	finance	finance	NOUN
arjefm-85	274	18	and	and	CCONJ
arjefm-85	274	19	management	management	NOUN
arjefm-85	274	20	volume	volume	NOUN
arjefm-85	274	21	12	12	NUM
arjefm-85	274	22	issue	issue	NOUN
arjefm-85	274	23	1	1	NUM
arjefm-85	274	24	,	,	PUNCT
arjefm-85	274	25	january	january	PROPN
arjefm-85	274	26	-	-	PUNCT
arjefm-85	274	27	february	february	PROPN
arjefm-85	274	28	2024	2024	NUM
arjefm-85	274	29	issn	issn	NOUN
arjefm-85	274	30	:	:	PUNCT
arjefm-85	274	31	2836	2836	NUM
arjefm-85	274	32	-	-	SYM
arjefm-85	274	33	9416	9416	NUM
arjefm-85	274	34	impact	impact	NOUN
arjefm-85	274	35	factor	factor	NOUN
arjefm-85	274	36	:	:	PUNCT
arjefm-85	274	37	5.57	5.57	NUM
arjefm-85	274	38	journal	journal	NOUN
arjefm-85	274	39	homepage	homepage	NOUN
arjefm-85	274	40	:	:	PUNCT
arjefm-85	274	41	https://	https://	PROPN
arjefm-85	274	42	https://americaserial.com/journals/index.php/arjefm	https://americaserial.com/journals/index.php/arjefm	PROPN
arjefm-85	274	43	,	,	PUNCT
arjefm-85	274	44	email	email	NOUN
arjefm-85	274	45	:	:	PUNCT
arjefm-85	274	46	contact@americaserial.com	contact@americaserial.com	PROPN
arjefm-85	274	47	official	official	ADJ
arjefm-85	274	48	journal	journal	PROPN
arjefm-85	274	49	of	of	ADP
arjefm-85	274	50	america	america	PROPN
arjefm-85	274	51	serial	serial	PROPN
arjefm-85	274	52	publication	publication	NOUN
arjefm-85	274	53	advanced	advanced	ADJ
arjefm-85	274	54	journal	journal	NOUN
arjefm-85	274	55	of	of	ADP
arjefm-85	274	56	economics	economic	NOUN
arjefm-85	274	57	and	and	CCONJ
arjefm-85	274	58	business	business	NOUN
arjefm-85	274	59	research	research	NOUN
arjefm-85	274	60	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	274	61	,	,	PUNCT
arjefm-85	274	62	email	email	NOUN
arjefm-85	274	63	:	:	PUNCT
arjefm-85	274	64	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	274	65	59	59	NUM
arjefm-85	275	1	|	|	ADV
arjefm-85	275	2	p	p	ADP
arjefm-85	275	3	a	a	DET
arjefm-85	275	4	g	g	NOUN
arjefm-85	275	5	e	e	NOUN
arjefm-85	275	6	table	table	NOUN
arjefm-85	275	7	7	7	NUM
arjefm-85	275	8	do	do	AUX
arjefm-85	275	9	not	not	PART
arjefm-85	275	10	support	support	VERB
arjefm-85	275	11	any	any	DET
arjefm-85	275	12	relationship	relationship	NOUN
arjefm-85	275	13	between	between	ADP
arjefm-85	275	14	the	the	DET
arjefm-85	275	15	changes	change	NOUN
arjefm-85	275	16	in	in	ADP
arjefm-85	275	17	bank	bank	NOUN
arjefm-85	275	18	’s	’s	PART
arjefm-85	275	19	efficiency	efficiency	NOUN
arjefm-85	275	20	and	and	CCONJ
arjefm-85	275	21	bank	bank	NOUN
arjefm-85	275	22	risk	risk	NOUN
arjefm-85	275	23	position	position	NOUN
arjefm-85	275	24	in	in	ADP
arjefm-85	275	25	cameroonian	cameroonian	ADJ
arjefm-85	275	26	commercial	commercial	ADJ
arjefm-85	275	27	banking	banking	NOUN
arjefm-85	275	28	.	.	PUNCT
arjefm-85	276	1	the	the	DET
arjefm-85	276	2	coefficient	coefficient	NOUN
arjefm-85	276	3	is	be	AUX
arjefm-85	276	4	not	not	PART
arjefm-85	276	5	statistically	statistically	ADV
arjefm-85	276	6	significant	significant	ADJ
arjefm-85	276	7	,	,	PUNCT
arjefm-85	276	8	albeit	albeit	SCONJ
arjefm-85	276	9	negative	negative	ADJ
arjefm-85	276	10	.	.	PUNCT
arjefm-85	277	1	this	this	PRON
arjefm-85	277	2	suggests	suggest	VERB
arjefm-85	277	3	that	that	SCONJ
arjefm-85	277	4	changes	change	NOUN
arjefm-85	277	5	in	in	ADP
arjefm-85	277	6	bank	bank	NOUN
arjefm-85	277	7	’s	’s	PART
arjefm-85	277	8	efficiency	efficiency	NOUN
arjefm-85	277	9	do	do	AUX
arjefm-85	277	10	not	not	PART
arjefm-85	277	11	lead	lead	VERB
arjefm-85	277	12	to	to	ADP
arjefm-85	277	13	changes	change	NOUN
arjefm-85	277	14	in	in	ADP
arjefm-85	277	15	bank	bank	NOUN
arjefm-85	277	16	risk	risk	NOUN
arjefm-85	277	17	-	-	PUNCT
arjefm-85	277	18	taking	take	VERB
arjefm-85	277	19	behavior	behavior	NOUN
arjefm-85	277	20	in	in	ADP
arjefm-85	277	21	cameroonian	cameroonian	ADJ
arjefm-85	277	22	commercial	commercial	ADJ
arjefm-85	277	23	banks	bank	NOUN
arjefm-85	277	24	.	.	PUNCT
arjefm-85	278	1	moving	move	VERB
arjefm-85	278	2	to	to	ADP
arjefm-85	278	3	control	control	VERB
arjefm-85	278	4	variables	variable	NOUN
arjefm-85	278	5	,	,	PUNCT
arjefm-85	278	6	the	the	DET
arjefm-85	278	7	change	change	NOUN
arjefm-85	278	8	in	in	ADP
arjefm-85	278	9	the	the	DET
arjefm-85	278	10	bank	bank	NOUN
arjefm-85	278	11	risk	risk	NOUN
arjefm-85	278	12	behavior	behavior	NOUN
arjefm-85	278	13	is	be	AUX
arjefm-85	278	14	positively	positively	ADV
arjefm-85	278	15	dependent	dependent	ADJ
arjefm-85	278	16	on	on	ADP
arjefm-85	278	17	the	the	DET
arjefm-85	278	18	net	net	ADJ
arjefm-85	278	19	interest	interest	NOUN
arjefm-85	278	20	margin	margin	NOUN
arjefm-85	278	21	of	of	ADP
arjefm-85	278	22	a	a	DET
arjefm-85	278	23	given	give	VERB
arjefm-85	278	24	year	year	NOUN
arjefm-85	278	25	.	.	PUNCT
arjefm-85	279	1	when	when	SCONJ
arjefm-85	279	2	facing	face	VERB
arjefm-85	279	3	favorable	favorable	ADJ
arjefm-85	279	4	interest	interest	NOUN
arjefm-85	279	5	rate	rate	NOUN
arjefm-85	279	6	environment	environment	NOUN
arjefm-85	279	7	,	,	PUNCT
arjefm-85	279	8	commercial	commercial	ADJ
arjefm-85	279	9	banks	bank	NOUN
arjefm-85	279	10	in	in	ADP
arjefm-85	279	11	cameroon	cameroon	NOUN
arjefm-85	279	12	might	might	AUX
arjefm-85	279	13	be	be	AUX
arjefm-85	279	14	tempted	tempt	VERB
arjefm-85	279	15	to	to	PART
arjefm-85	279	16	increase	increase	VERB
arjefm-85	279	17	the	the	DET
arjefm-85	279	18	amount	amount	NOUN
arjefm-85	279	19	of	of	ADP
arjefm-85	279	20	loans	loan	NOUN
arjefm-85	279	21	provided	provide	VERB
arjefm-85	279	22	at	at	ADP
arjefm-85	279	23	the	the	DET
arjefm-85	279	24	expense	expense	NOUN
arjefm-85	279	25	of	of	ADP
arjefm-85	279	26	decreased	decrease	VERB
arjefm-85	279	27	quality	quality	NOUN
arjefm-85	279	28	of	of	ADP
arjefm-85	279	29	such	such	ADJ
arjefm-85	279	30	loans	loan	NOUN
arjefm-85	279	31	.	.	PUNCT
arjefm-85	280	1	the	the	DET
arjefm-85	280	2	results	result	NOUN
arjefm-85	280	3	also	also	ADV
arjefm-85	280	4	imply	imply	VERB
arjefm-85	280	5	that	that	SCONJ
arjefm-85	280	6	the	the	DET
arjefm-85	280	7	change	change	NOUN
arjefm-85	280	8	in	in	ADP
arjefm-85	280	9	risk	risk	NOUN
arjefm-85	280	10	variable	variable	NOUN
arjefm-85	280	11	is	be	AUX
arjefm-85	280	12	determined	determine	VERB
arjefm-85	280	13	by	by	ADP
arjefm-85	280	14	the	the	DET
arjefm-85	280	15	loan	loan	NOUN
arjefm-85	280	16	growth	growth	NOUN
arjefm-85	280	17	(	(	PUNCT
arjefm-85	280	18	significant	significant	ADJ
arjefm-85	280	19	at	at	ADP
arjefm-85	280	20	1	1	NUM
arjefm-85	280	21	%	%	NOUN
arjefm-85	280	22	level	level	NOUN
arjefm-85	280	23	)	)	PUNCT
arjefm-85	280	24	and	and	CCONJ
arjefm-85	280	25	bank	bank	NOUN
arjefm-85	280	26	size	size	NOUN
arjefm-85	280	27	(	(	PUNCT
arjefm-85	280	28	significant	significant	ADJ
arjefm-85	280	29	at	at	ADP
arjefm-85	280	30	5	5	NUM
arjefm-85	280	31	%	%	NOUN
arjefm-85	280	32	level	level	NOUN
arjefm-85	280	33	)	)	PUNCT
arjefm-85	280	34	.	.	PUNCT
arjefm-85	281	1	large	large	ADJ
arjefm-85	281	2	banks	bank	NOUN
arjefm-85	281	3	are	be	AUX
arjefm-85	281	4	therefore	therefore	ADV
arjefm-85	281	5	less	less	ADV
arjefm-85	281	6	averse	averse	ADJ
arjefm-85	281	7	to	to	PART
arjefm-85	281	8	risk	risk	VERB
arjefm-85	281	9	in	in	ADP
arjefm-85	281	10	cameroon	cameroon	PROPN
arjefm-85	281	11	.	.	PUNCT
arjefm-85	282	1	table	table	NOUN
arjefm-85	282	2	4	4	NUM
arjefm-85	282	3	.	.	PUNCT
arjefm-85	283	1	cost	cost	NOUN
arjefm-85	283	2	frontier	frontier	NOUN
arjefm-85	283	3	inputs	input	NOUN
arjefm-85	283	4	and	and	CCONJ
arjefm-85	283	5	output	output	NOUN
arjefm-85	283	6	description	description	NOUN
arjefm-85	283	7	.	.	PUNCT
arjefm-85	284	1	variable	variable	ADJ
arjefm-85	284	2	notation	notation	NOUN
arjefm-85	284	3	description	description	NOUN
arjefm-85	284	4	total	total	NOUN
arjefm-85	284	5	cost	cost	NOUN
arjefm-85	284	6	ct	ct	PROPN
arjefm-85	284	7	total	total	NOUN
arjefm-85	284	8	of	of	ADP
arjefm-85	284	9	interest	interest	NOUN
arjefm-85	284	10	and	and	CCONJ
arjefm-85	284	11	non	non	ADJ
arjefm-85	284	12	interest	interest	NOUN
arjefm-85	284	13	cost	cost	NOUN
arjefm-85	284	14	output	output	NOUN
arjefm-85	284	15	total	total	ADJ
arjefm-85	284	16	loans	loan	NOUN
arjefm-85	284	17	y	y	PROPN
arjefm-85	284	18	gross	gross	ADJ
arjefm-85	284	19	loans	loan	NOUN
arjefm-85	284	20	-	-	PUNCT
arjefm-85	284	21	reserves	reserve	NOUN
arjefm-85	284	22	for	for	ADP
arjefm-85	284	23	loan	loan	NOUN
arjefm-85	284	24	loss	loss	NOUN
arjefm-85	284	25	provisions	provision	NOUN
arjefm-85	284	26	inputs	input	VERB
arjefm-85	284	27	prices	price	NOUN
arjefm-85	284	28	price	price	NOUN
arjefm-85	284	29	of	of	ADP
arjefm-85	284	30	physical	physical	ADJ
arjefm-85	284	31	capital	capital	NOUN
arjefm-85	284	32	pcap	pcap	NOUN
arjefm-85	284	33	expenditures	expenditure	NOUN
arjefm-85	284	34	on	on	ADP
arjefm-85	284	35	premises	premise	NOUN
arjefm-85	284	36	and	and	CCONJ
arjefm-85	284	37	fixed	fix	VERB
arjefm-85	284	38	assets	asset	NOUN
arjefm-85	284	39	/	/	SYM
arjefm-85	284	40	premises	premise	NOUN
arjefm-85	284	41	and	and	CCONJ
arjefm-85	284	42	fixed	fix	VERB
arjefm-85	284	43	assets	asset	NOUN
arjefm-85	284	44	price	price	NOUN
arjefm-85	284	45	of	of	ADP
arjefm-85	284	46	labor	labor	NOUN
arjefm-85	284	47	plab	plab	PROPN
arjefm-85	284	48	salaries	salary	NOUN
arjefm-85	284	49	on	on	ADP
arjefm-85	284	50	full	full	ADJ
arjefm-85	284	51	time	time	NOUN
arjefm-85	284	52	equivalent	equivalent	ADJ
arjefm-85	284	53	employees	employee	NOUN
arjefm-85	284	54	price	price	NOUN
arjefm-85	284	55	of	of	ADP
arjefm-85	284	56	borrowed	borrow	VERB
arjefm-85	284	57	funds	fund	NOUN
arjefm-85	284	58	pfin	pfin	NOUN
arjefm-85	284	59	interest	interest	NOUN
arjefm-85	284	60	expenses	expense	NOUN
arjefm-85	284	61	paid	pay	VERB
arjefm-85	284	62	on	on	ADP
arjefm-85	284	63	deposits	deposit	NOUN
arjefm-85	284	64	/	/	SYM
arjefm-85	284	65	total	total	ADJ
arjefm-85	284	66	deposits	deposit	NOUN
arjefm-85	284	67	source	source	NOUN
arjefm-85	284	68	:	:	PUNCT
arjefm-85	284	69	authors	author	NOUN
arjefm-85	284	70	.	.	PUNCT
arjefm-85	285	1	table	table	NOUN
arjefm-85	285	2	5	5	NUM
arjefm-85	285	3	.	.	PUNCT
arjefm-85	286	1	cost	cost	NOUN
arjefm-85	286	2	frontier	frontier	NOUN
arjefm-85	286	3	efficiency	efficiency	NOUN
arjefm-85	286	4	scores	score	NOUN
arjefm-85	286	5	in	in	ADP
arjefm-85	286	6	cameroonian	cameroonian	ADJ
arjefm-85	286	7	banking	banking	NOUN
arjefm-85	286	8	(	(	PUNCT
arjefm-85	286	9	%	%	NOUN
arjefm-85	286	10	)	)	PUNCT
arjefm-85	286	11	.	.	PUNCT
arjefm-85	287	1	year	year	NOUN
arjefm-85	287	2	mean	mean	PROPN
arjefm-85	287	3	med	med	PROPN
arjefm-85	287	4	sd	sd	ADP
arjefm-85	287	5	min	min	PROPN
arjefm-85	287	6	max	max	PROPN
arjefm-85	287	7	2014	2014	NUM
arjefm-85	287	8	0.595	0.595	NUM
arjefm-85	287	9	0.634	0.634	NUM
arjefm-85	287	10	0.114	0.114	NUM
arjefm-85	287	11	0.356	0.356	NUM
arjefm-85	287	12	0.754	0.754	NUM
arjefm-85	287	13	2015	2015	NUM
arjefm-85	287	14	0.660	0.660	NUM
arjefm-85	287	15	0.650	0.650	NUM
arjefm-85	287	16	0.145	0.145	NUM
arjefm-85	287	17	0.448	0.448	NUM
arjefm-85	287	18	0.857	0.857	NUM
arjefm-85	287	19	2016	2016	NUM
arjefm-85	287	20	0.746	0.746	NUM
arjefm-85	287	21	0.749	0.749	NUM
arjefm-85	287	22	0.126	0.126	NUM
arjefm-85	287	23	0.514	0.514	NUM
arjefm-85	287	24	0.897	0.897	NUM
arjefm-85	287	25	2017	2017	NUM
arjefm-85	287	26	0.791	0.791	NUM
arjefm-85	287	27	0.810	0.810	NUM
arjefm-85	287	28	0.075	0.075	NUM
arjefm-85	287	29	0.672	0.672	NUM
arjefm-85	287	30	0.881	0.881	NUM
arjefm-85	287	31	2018	2018	NUM
arjefm-85	287	32	0.727	0.727	NUM
arjefm-85	287	33	0.757	0.757	NUM
arjefm-85	287	34	0.149	0.149	NUM
arjefm-85	287	35	0.420	0.420	NUM
arjefm-85	287	36	0.872	0.872	NUM
arjefm-85	287	37	2019	2019	NUM
arjefm-85	287	38	0.718	0.718	NUM
arjefm-85	287	39	0.759	0.759	NUM
arjefm-85	287	40	0.172	0.172	NUM
arjefm-85	287	41	0.351	0.351	NUM
arjefm-85	287	42	0.859	0.859	NUM
arjefm-85	287	43	2020	2020	NUM
arjefm-85	287	44	0.773	0.773	NUM
arjefm-85	287	45	0.759	0.759	NUM
arjefm-85	287	46	0.095	0.095	NUM
arjefm-85	287	47	0.620	0.620	NUM
arjefm-85	287	48	0.937	0.937	NUM
arjefm-85	287	49	source	source	NOUN
arjefm-85	287	50	:	:	PUNCT
arjefm-85	287	51	author	author	PROPN
arjefm-85	287	52	’s	’s	PART
arjefm-85	287	53	calculations	calculation	NOUN
arjefm-85	287	54	based	base	VERB
arjefm-85	287	55	on	on	ADP
arjefm-85	287	56	frontier	frontier	NOUN
arjefm-85	287	57	4.1	4.1	NUM
arjefm-85	287	58	.	.	PUNCT
arjefm-85	287	59	table	table	NOUN
arjefm-85	287	60	6	6	NUM
arjefm-85	287	61	.	.	PUNCT
arjefm-85	288	1	variables	variable	NOUN
arjefm-85	288	2	included	include	VERB
arjefm-85	288	3	in	in	ADP
arjefm-85	288	4	the	the	DET
arjefm-85	288	5	model	model	NOUN
arjefm-85	288	6	.	.	PUNCT
arjefm-85	289	1	variable	variable	ADJ
arjefm-85	289	2	description	description	NOUN
arjefm-85	289	3	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	289	4	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	290	1	advanced	advanced	ADJ
arjefm-85	290	2	journal	journal	NOUN
arjefm-85	290	3	of	of	ADP
arjefm-85	290	4	economics	economic	NOUN
arjefm-85	290	5	and	and	CCONJ
arjefm-85	290	6	business	business	NOUN
arjefm-85	290	7	research	research	NOUN
arjefm-85	290	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	290	9	,	,	PUNCT
arjefm-85	290	10	email	email	NOUN
arjefm-85	290	11	:	:	PUNCT
arjefm-85	291	1	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	292	1	60	60	NUM
arjefm-85	293	1	|	|	ADV
arjefm-85	293	2	p	p	X
arjefm-85	293	3	a	a	DET
arjefm-85	293	4	g	g	NOUN
arjefm-85	293	5	e	e	X
arjefm-85	293	6	eff	eff	PROPN
arjefm-85	293	7	estimated	estimate	VERB
arjefm-85	293	8	efficiency	efficiency	NOUN
arjefm-85	293	9	scores	score	NOUN
arjefm-85	293	10	risk	risk	VERB
arjefm-85	293	11	non	non	ADJ
arjefm-85	293	12	-	-	ADJ
arjefm-85	293	13	performing	performing	ADJ
arjefm-85	293	14	loans	loan	NOUN
arjefm-85	293	15	ratio	ratio	NOUN
arjefm-85	293	16	cap	cap	PROPN
arjefm-85	293	17	capital	capital	NOUN
arjefm-85	293	18	adequacy	adequacy	NOUN
arjefm-85	293	19	ratio	ratio	NOUN
arjefm-85	293	20	size	size	NOUN
arjefm-85	293	21	natural	natural	ADJ
arjefm-85	293	22	logarithm	logarithm	NOUN
arjefm-85	293	23	of	of	ADP
arjefm-85	293	24	total	total	ADJ
arjefm-85	293	25	assets	asset	NOUN
arjefm-85	293	26	nim	nim	PROPN
arjefm-85	293	27	net	net	ADJ
arjefm-85	293	28	interest	interest	NOUN
arjefm-85	293	29	margin	margin	NOUN
arjefm-85	293	30	roa	roa	PROPN
arjefm-85	293	31	return	return	NOUN
arjefm-85	293	32	on	on	ADP
arjefm-85	293	33	assets	asset	NOUN
arjefm-85	293	34	loang	loang	PROPN
arjefm-85	293	35	loans	loan	NOUN
arjefm-85	293	36	annual	annual	ADJ
arjefm-85	293	37	’s	’s	PART
arjefm-85	293	38	growth	growth	NOUN
arjefm-85	293	39	rate	rate	NOUN
arjefm-85	293	40	source	source	NOUN
arjefm-85	293	41	:	:	PUNCT
arjefm-85	293	42	authors	author	NOUN
arjefm-85	293	43	.	.	PUNCT
arjefm-85	294	1	bank	bank	NOUN
arjefm-85	294	2	efficiency	efficiency	NOUN
arjefm-85	294	3	equation	equation	NOUN
arjefm-85	294	4	results	result	VERB
arjefm-85	294	5	table	table	NOUN
arjefm-85	294	6	8	8	NUM
arjefm-85	294	7	presents	present	VERB
arjefm-85	294	8	the	the	DET
arjefm-85	294	9	results	result	NOUN
arjefm-85	294	10	of	of	ADP
arjefm-85	294	11	the	the	DET
arjefm-85	294	12	second	second	ADJ
arjefm-85	294	13	equation	equation	NOUN
arjefm-85	294	14	in	in	ADP
arjefm-85	294	15	the	the	DET
arjefm-85	294	16	authors	author	NOUN
arjefm-85	294	17	’	'	PUNCT
arjefm-85	294	18	system	system	NOUN
arjefm-85	294	19	,	,	PUNCT
arjefm-85	294	20	where	where	SCONJ
arjefm-85	294	21	the	the	DET
arjefm-85	294	22	change	change	NOUN
arjefm-85	294	23	in	in	ADP
arjefm-85	294	24	the	the	DET
arjefm-85	294	25	bank	bank	NOUN
arjefm-85	294	26	’s	’s	PART
arjefm-85	294	27	cost	cost	NOUN
arjefm-85	294	28	efficiency	efficiency	NOUN
arjefm-85	294	29	is	be	AUX
arjefm-85	294	30	the	the	DET
arjefm-85	294	31	dependent	dependent	ADJ
arjefm-85	294	32	variable	variable	NOUN
arjefm-85	294	33	.	.	PUNCT
arjefm-85	295	1	they	they	PRON
arjefm-85	295	2	are	be	AUX
arjefm-85	295	3	interested	interested	ADJ
arjefm-85	295	4	in	in	ADP
arjefm-85	295	5	the	the	DET
arjefm-85	295	6	estimated	estimate	VERB
arjefm-85	295	7	coefficient	coefficient	NOUN
arjefm-85	295	8	of	of	ADP
arjefm-85	295	9	the	the	DET
arjefm-85	295	10	risk	risk	NOUN
arjefm-85	295	11	variable	variable	NOUN
arjefm-85	295	12	(	(	PUNCT
arjefm-85	295	13	∆riskt	∆riskt	PROPN
arjefm-85	295	14	)	)	PUNCT
arjefm-85	295	15	since	since	SCONJ
arjefm-85	295	16	this	this	DET
arjefm-85	295	17	estimate	estimate	NOUN
arjefm-85	295	18	is	be	AUX
arjefm-85	295	19	related	relate	VERB
arjefm-85	295	20	to	to	ADP
arjefm-85	295	21	the	the	DET
arjefm-85	295	22	bad	bad	ADJ
arjefm-85	295	23	luck	luck	NOUN
arjefm-85	295	24	explanation	explanation	NOUN
arjefm-85	295	25	of	of	ADP
arjefm-85	295	26	the	the	DET
arjefm-85	295	27	tradeoff	tradeoff	NOUN
arjefm-85	295	28	’s	’s	PART
arjefm-85	295	29	hypothesis	hypothesis	NOUN
arjefm-85	295	30	between	between	ADP
arjefm-85	295	31	bank	bank	NOUN
arjefm-85	295	32	efficiency	efficiency	NOUN
arjefm-85	295	33	and	and	CCONJ
arjefm-85	295	34	bank	bank	NOUN
arjefm-85	295	35	risk	risk	NOUN
arjefm-85	295	36	-	-	PUNCT
arjefm-85	295	37	taking	take	VERB
arjefm-85	295	38	behavior	behavior	NOUN
arjefm-85	295	39	.	.	PUNCT
arjefm-85	296	1	for	for	SCONJ
arjefm-85	296	2	h2	h2	PROPN
arjefm-85	296	3	to	to	PART
arjefm-85	296	4	be	be	AUX
arjefm-85	296	5	validated	validate	VERB
arjefm-85	296	6	,	,	PUNCT
arjefm-85	296	7	the	the	DET
arjefm-85	296	8	estimated	estimate	VERB
arjefm-85	296	9	coefficient	coefficient	NOUN
arjefm-85	296	10	of	of	ADP
arjefm-85	296	11	the	the	DET
arjefm-85	296	12	bank	bank	NOUN
arjefm-85	296	13	risk	risk	NOUN
arjefm-85	296	14	variable	variable	NOUN
arjefm-85	296	15	should	should	AUX
arjefm-85	296	16	be	be	AUX
arjefm-85	296	17	negative	negative	ADJ
arjefm-85	296	18	.	.	PUNCT
arjefm-85	297	1	this	this	PRON
arjefm-85	297	2	is	be	AUX
arjefm-85	297	3	the	the	DET
arjefm-85	297	4	case	case	NOUN
arjefm-85	297	5	in	in	ADP
arjefm-85	297	6	table	table	NOUN
arjefm-85	297	7	8	8	NUM
arjefm-85	297	8	.	.	PUNCT
arjefm-85	298	1	this	this	DET
arjefm-85	298	2	coefficient	coefficient	NOUN
arjefm-85	298	3	is	be	AUX
arjefm-85	298	4	negative	negative	ADJ
arjefm-85	298	5	with	with	ADP
arjefm-85	298	6	a	a	DET
arjefm-85	298	7	value	value	NOUN
arjefm-85	298	8	of	of	ADP
arjefm-85	298	9	-0.063	-0.063	PUNCT
arjefm-85	298	10	and	and	CCONJ
arjefm-85	298	11	significant	significant	ADJ
arjefm-85	298	12	at	at	ADP
arjefm-85	298	13	10	10	NUM
arjefm-85	298	14	%	%	NOUN
arjefm-85	298	15	level	level	NOUN
arjefm-85	298	16	.	.	PUNCT
arjefm-85	299	1	they	they	PRON
arjefm-85	299	2	may	may	AUX
arjefm-85	299	3	infer	infer	VERB
arjefm-85	299	4	from	from	ADP
arjefm-85	299	5	this	this	PRON
arjefm-85	299	6	that	that	DET
arjefm-85	299	7	change	change	NOUN
arjefm-85	299	8	in	in	ADP
arjefm-85	299	9	bank	bank	NOUN
arjefm-85	299	10	’s	’s	PART
arjefm-85	299	11	cost	cost	NOUN
arjefm-85	299	12	efficiency	efficiency	NOUN
arjefm-85	299	13	is	be	AUX
arjefm-85	299	14	negatively	negatively	ADV
arjefm-85	299	15	affected	affect	VERB
arjefm-85	299	16	by	by	ADP
arjefm-85	299	17	any	any	DET
arjefm-85	299	18	change	change	NOUN
arjefm-85	299	19	in	in	ADP
arjefm-85	299	20	bank	bank	NOUN
arjefm-85	299	21	risk	risk	NOUN
arjefm-85	299	22	taking	take	VERB
arjefm-85	299	23	behavior	behavior	NOUN
arjefm-85	299	24	in	in	ADP
arjefm-85	299	25	cameroon	cameroon	PROPN
arjefm-85	299	26	.	.	PUNCT
arjefm-85	300	1	table	table	NOUN
arjefm-85	300	2	7	7	NUM
arjefm-85	300	3	.	.	PUNCT
arjefm-85	300	4	risk	risk	NOUN
arjefm-85	300	5	equation	equation	NOUN
arjefm-85	300	6	results	result	NOUN
arjefm-85	300	7	.	.	PUNCT
arjefm-85	301	1	variable	variable	ADJ
arjefm-85	301	2	coef	coef	PROPN
arjefm-85	301	3	.	.	PUNCT
arjefm-85	302	1	se	se	PROPN
arjefm-85	302	2	t	t	PROPN
arjefm-85	302	3	-	-	PUNCT
arjefm-85	302	4	stat	stat	PROPN
arjefm-85	302	5	prob	prob	NOUN
arjefm-85	302	6	c	c	PROPN
arjefm-85	302	7	-1.194	-1.194	PROPN
arjefm-85	302	8	*	*	PUNCT
arjefm-85	302	9	*	*	PUNCT
arjefm-85	302	10	*	*	PUNCT
arjefm-85	302	11	0.409	0.409	NUM
arjefm-85	302	12	-2.917	-2.917	NUM
arjefm-85	302	13	0.004	0.004	NUM
arjefm-85	302	14	∆cap	∆cap	NOUN
arjefm-85	302	15	0.256	0.256	NUM
arjefm-85	302	16	*	*	PUNCT
arjefm-85	302	17	*	*	PUNCT
arjefm-85	302	18	0.105	0.105	NUM
arjefm-85	302	19	2.441	2.441	NUM
arjefm-85	302	20	0.016	0.016	NUM
arjefm-85	302	21	∆effic	∆effic	NUM
arjefm-85	302	22	-0.067	-0.067	NUM
arjefm-85	302	23	0.183	0.183	NUM
arjefm-85	302	24	-0.365	-0.365	NOUN
arjefm-85	302	25	0.715	0.715	NUM
arjefm-85	302	26	risk	risk	NOUN
arjefm-85	302	27	(	(	PUNCT
arjefm-85	302	28	-1	-1	ADJ
arjefm-85	302	29	)	)	PUNCT
arjefm-85	302	30	0.153	0.153	NUM
arjefm-85	302	31	*	*	PUNCT
arjefm-85	302	32	*	*	PUNCT
arjefm-85	302	33	*	*	PUNCT
arjefm-85	303	1	0.031	0.031	NUM
arjefm-85	303	2	4.852	4.852	NUM
arjefm-85	303	3	0.000	0.000	NUM
arjefm-85	303	4	size	size	NOUN
arjefm-85	303	5	0.044	0.044	NUM
arjefm-85	303	6	*	*	PUNCT
arjefm-85	303	7	*	*	PROPN
arjefm-85	303	8	0.018	0.018	NUM
arjefm-85	303	9	2.418	2.418	NUM
arjefm-85	303	10	0.017	0.017	NUM
arjefm-85	303	11	loang	loang	NOUN
arjefm-85	303	12	1.001	1.001	NUM
arjefm-85	303	13	*	*	PUNCT
arjefm-85	303	14	*	*	PUNCT
arjefm-85	303	15	*	*	PUNCT
arjefm-85	303	16	0.085	0.085	NUM
arjefm-85	303	17	11.725	11.725	NUM
arjefm-85	303	18	0.000	0.000	NUM
arjefm-85	303	19	source	source	NOUN
arjefm-85	303	20	authors	author	NOUN
arjefm-85	303	21	calculations	calculation	NOUN
arjefm-85	303	22	based	base	VERB
arjefm-85	303	23	on	on	ADP
arjefm-85	303	24	eview	eview	PROPN
arjefm-85	303	25	table	table	NOUN
arjefm-85	303	26	8	8	NUM
arjefm-85	303	27	.	.	PUNCT
arjefm-85	303	28	efficiency	efficiency	NOUN
arjefm-85	303	29	equation	equation	NOUN
arjefm-85	303	30	results	result	VERB
arjefm-85	303	31	.	.	PUNCT
arjefm-85	304	1	s	s	VERB
arjefm-85	304	2	12	12	NUM
arjefm-85	304	3	software	software	NOUN
arjefm-85	304	4	.	.	PUNCT
arjefm-85	305	1	variable	variable	ADJ
arjefm-85	305	2	coef	coef	PROPN
arjefm-85	305	3	se	se	PROPN
arjefm-85	305	4	t	t	PROPN
arjefm-85	305	5	-	-	PUNCT
arjefm-85	305	6	stat	stat	PROPN
arjefm-85	305	7	prob	prob	NOUN
arjefm-85	305	8	c	c	PROPN
arjefm-85	305	9	0.926	0.926	NUM
arjefm-85	305	10	*	*	PUNCT
arjefm-85	305	11	*	*	PUNCT
arjefm-85	305	12	*	*	X
arjefm-85	305	13	0.241	0.241	NUM
arjefm-85	305	14	3.839	3.839	NUM
arjefm-85	305	15	0.000	0.000	NUM
arjefm-85	305	16	∆cap	∆cap	NOUN
arjefm-85	305	17	0.127	0.127	NUM
arjefm-85	305	18	*	*	PUNCT
arjefm-85	305	19	*	*	PUNCT
arjefm-85	305	20	0.056	0.056	NUM
arjefm-85	305	21	2.262	2.262	NUM
arjefm-85	305	22	0.025	0.025	NUM
arjefm-85	305	23	∆risk	∆risk	NOUN
arjefm-85	305	24	0.063	0.063	NUM
arjefm-85	305	25	*	*	PUNCT
arjefm-85	305	26	0.037	0.037	NUM
arjefm-85	305	27	1.675	1.675	NUM
arjefm-85	305	28	0.096	0.096	NUM
arjefm-85	305	29	effic	effic	ADJ
arjefm-85	305	30	(	(	PUNCT
arjefm-85	305	31	-1	-1	ADJ
arjefm-85	305	32	)	)	PUNCT
arjefm-85	305	33	-0.972	-0.972	PUNCT
arjefm-85	305	34	*	*	PUNCT
arjefm-85	305	35	*	*	PUNCT
arjefm-85	305	36	*	*	PUNCT
arjefm-85	305	37	0.134	0.134	NUM
arjefm-85	305	38	-7.220	-7.220	ADP
arjefm-85	305	39	0.000	0.000	NUM
arjefm-85	305	40	size	size	NOUN
arjefm-85	305	41	-0.009	-0.009	NUM
arjefm-85	305	42	0.009	0.009	NUM
arjefm-85	305	43	-0.969	-0.969	SYM
arjefm-85	305	44	0.334	0.334	NUM
arjefm-85	305	45	source	source	NOUN
arjefm-85	305	46	:	:	PUNCT
arjefm-85	305	47	authors	author	NOUN
arjefm-85	305	48	calculations	calculation	NOUN
arjefm-85	305	49	based	base	VERB
arjefm-85	305	50	on	on	ADP
arjefm-85	305	51	eviews	eviews	PROPN
arjefm-85	305	52	12	12	NUM
arjefm-85	305	53	software	software	NOUN
arjefm-85	305	54	.	.	PUNCT
arjefm-85	306	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	307	1	advanced	advanced	ADJ
arjefm-85	307	2	journal	journal	NOUN
arjefm-85	307	3	of	of	ADP
arjefm-85	307	4	economics	economic	NOUN
arjefm-85	307	5	and	and	CCONJ
arjefm-85	307	6	business	business	NOUN
arjefm-85	307	7	research	research	NOUN
arjefm-85	307	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	307	9	,	,	PUNCT
arjefm-85	307	10	email	email	NOUN
arjefm-85	307	11	:	:	PUNCT
arjefm-85	307	12	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	308	1	61	61	NUM
arjefm-85	309	1	|	|	ADV
arjefm-85	309	2	p	p	NOUN
arjefm-85	309	3	a	a	DET
arjefm-85	309	4	g	g	NOUN
arjefm-85	309	5	e	e	NOUN
arjefm-85	309	6	hypothesis	hypothesis	NOUN
arjefm-85	309	7	h2	h2	NOUN
arjefm-85	309	8	is	be	AUX
arjefm-85	309	9	therefore	therefore	ADV
arjefm-85	309	10	validated	validate	VERB
arjefm-85	309	11	.	.	PUNCT
arjefm-85	310	1	as	as	SCONJ
arjefm-85	310	2	imf	imf	PROPN
arjefm-85	310	3	(	(	PUNCT
arjefm-85	310	4	2018	2018	NUM
arjefm-85	310	5	)	)	PUNCT
arjefm-85	310	6	suggests	suggest	VERB
arjefm-85	310	7	that	that	SCONJ
arjefm-85	310	8	exogeneous	exogeneous	ADJ
arjefm-85	310	9	shocks	shock	NOUN
arjefm-85	310	10	are	be	AUX
arjefm-85	310	11	not	not	PART
arjefm-85	310	12	linked	link	VERB
arjefm-85	310	13	to	to	ADP
arjefm-85	310	14	commercial	commercial	ADJ
arjefm-85	310	15	bank	bank	NOUN
arjefm-85	310	16	risk	risk	NOUN
arjefm-85	310	17	taking	take	VERB
arjefm-85	310	18	in	in	ADP
arjefm-85	310	19	cameroon	cameroon	NOUN
arjefm-85	310	20	,	,	PUNCT
arjefm-85	310	21	this	this	PRON
arjefm-85	310	22	might	might	AUX
arjefm-85	310	23	be	be	AUX
arjefm-85	310	24	explained	explain	VERB
arjefm-85	310	25	by	by	ADP
arjefm-85	310	26	unskilled	unskilled	ADJ
arjefm-85	310	27	management	management	NOUN
arjefm-85	310	28	that	that	PRON
arjefm-85	310	29	is	be	AUX
arjefm-85	310	30	losing	lose	VERB
arjefm-85	310	31	control	control	NOUN
arjefm-85	310	32	over	over	ADP
arjefm-85	310	33	both	both	CCONJ
arjefm-85	310	34	the	the	DET
arjefm-85	310	35	cost	cost	NOUN
arjefm-85	310	36	structure	structure	NOUN
arjefm-85	310	37	of	of	ADP
arjefm-85	310	38	the	the	DET
arjefm-85	310	39	bank	bank	NOUN
arjefm-85	310	40	and	and	CCONJ
arjefm-85	310	41	the	the	DET
arjefm-85	310	42	administration	administration	NOUN
arjefm-85	310	43	of	of	ADP
arjefm-85	310	44	its	its	PRON
arjefm-85	310	45	loan	loan	NOUN
arjefm-85	310	46	portfolio	portfolio	NOUN
arjefm-85	310	47	.	.	PUNCT
arjefm-85	311	1	from	from	ADP
arjefm-85	311	2	the	the	DET
arjefm-85	311	3	table	table	NOUN
arjefm-85	311	4	,	,	PUNCT
arjefm-85	311	5	it	it	PRON
arjefm-85	311	6	can	can	AUX
arjefm-85	311	7	be	be	AUX
arjefm-85	311	8	seen	see	VERB
arjefm-85	311	9	that	that	SCONJ
arjefm-85	311	10	the	the	DET
arjefm-85	311	11	coefficient	coefficient	NOUN
arjefm-85	311	12	of	of	ADP
arjefm-85	311	13	bank	bank	NOUN
arjefm-85	311	14	capital	capital	NOUN
arjefm-85	311	15	(	(	PUNCT
arjefm-85	311	16	∆capt	∆capt	X
arjefm-85	311	17	)	)	PUNCT
arjefm-85	311	18	is	be	AUX
arjefm-85	311	19	significant	significant	ADJ
arjefm-85	311	20	at	at	ADP
arjefm-85	311	21	5	5	NUM
arjefm-85	311	22	%	%	NOUN
arjefm-85	311	23	level	level	NOUN
arjefm-85	311	24	and	and	CCONJ
arjefm-85	311	25	presents	present	VERB
arjefm-85	311	26	a	a	DET
arjefm-85	311	27	positive	positive	ADJ
arjefm-85	311	28	sign	sign	NOUN
arjefm-85	311	29	with	with	ADP
arjefm-85	311	30	a	a	DET
arjefm-85	311	31	value	value	NOUN
arjefm-85	311	32	of	of	ADP
arjefm-85	311	33	0.012	0.012	NUM
arjefm-85	311	34	.	.	PUNCT
arjefm-85	312	1	this	this	DET
arjefm-85	312	2	result	result	NOUN
arjefm-85	312	3	suggests	suggest	VERB
arjefm-85	312	4	that	that	SCONJ
arjefm-85	312	5	commercial	commercial	ADJ
arjefm-85	312	6	banks	bank	NOUN
arjefm-85	312	7	with	with	ADP
arjefm-85	312	8	higher	high	ADJ
arjefm-85	312	9	capital	capital	NOUN
arjefm-85	312	10	operate	operate	VERB
arjefm-85	312	11	more	more	ADV
arjefm-85	312	12	efficiently	efficiently	ADV
arjefm-85	312	13	in	in	ADP
arjefm-85	312	14	cameroon	cameroon	NOUN
arjefm-85	312	15	.	.	PUNCT
arjefm-85	313	1	this	this	DET
arjefm-85	313	2	finding	finding	NOUN
arjefm-85	313	3	seems	seem	VERB
arjefm-85	313	4	consistent	consistent	ADJ
arjefm-85	313	5	with	with	ADP
arjefm-85	313	6	shrieves	shrieve	NOUN
arjefm-85	313	7	and	and	CCONJ
arjefm-85	313	8	dahl	dahl	PROPN
arjefm-85	313	9	(	(	PUNCT
arjefm-85	313	10	1992	1992	NUM
arjefm-85	313	11	)	)	PUNCT
arjefm-85	313	12	,	,	PUNCT
arjefm-85	313	13	berger	berger	PROPN
arjefm-85	313	14	and	and	CCONJ
arjefm-85	313	15	deyoung	deyoung	PROPN
arjefm-85	313	16	(	(	PUNCT
arjefm-85	313	17	1997	1997	NUM
arjefm-85	313	18	)	)	PUNCT
arjefm-85	313	19	altunbar	altunbar	PROPN
arjefm-85	313	20	et	et	PROPN
arjefm-85	313	21	al	al	PROPN
arjefm-85	313	22	.	.	PROPN
arjefm-85	314	1	(	(	PUNCT
arjefm-85	314	2	2007	2007	NUM
arjefm-85	314	3	)	)	PUNCT
arjefm-85	314	4	or	or	CCONJ
arjefm-85	314	5	more	more	ADV
arjefm-85	314	6	recently	recently	ADV
arjefm-85	314	7	haque	haque	PROPN
arjefm-85	314	8	and	and	CCONJ
arjefm-85	314	9	brown	brown	ADJ
arjefm-85	314	10	(	(	PUNCT
arjefm-85	314	11	2017	2017	NUM
arjefm-85	314	12	)	)	PUNCT
arjefm-85	314	13	,	,	PUNCT
arjefm-85	314	14	but	but	CCONJ
arjefm-85	314	15	do	do	AUX
arjefm-85	314	16	not	not	PART
arjefm-85	314	17	support	support	VERB
arjefm-85	314	18	bashir	bashir	NOUN
arjefm-85	314	19	and	and	CCONJ
arjefm-85	314	20	hassan	hassan	PROPN
arjefm-85	314	21	(	(	PUNCT
arjefm-85	314	22	2017	2017	NUM
arjefm-85	314	23	)	)	PUNCT
arjefm-85	314	24	.	.	PUNCT
arjefm-85	315	1	based	base	VERB
arjefm-85	315	2	on	on	ADP
arjefm-85	315	3	the	the	DET
arjefm-85	315	4	estimate	estimate	NOUN
arjefm-85	315	5	of	of	ADP
arjefm-85	315	6	size	size	NOUN
arjefm-85	315	7	variable	variable	NOUN
arjefm-85	315	8	(	(	PUNCT
arjefm-85	315	9	sizet	sizet	ADJ
arjefm-85	315	10	)	)	PUNCT
arjefm-85	315	11	coefficient	coefficient	NOUN
arjefm-85	315	12	,	,	PUNCT
arjefm-85	315	13	we	we	PRON
arjefm-85	315	14	might	might	AUX
arjefm-85	315	15	observe	observe	VERB
arjefm-85	315	16	that	that	SCONJ
arjefm-85	315	17	the	the	DET
arjefm-85	315	18	changes	change	NOUN
arjefm-85	315	19	in	in	ADP
arjefm-85	315	20	the	the	DET
arjefm-85	315	21	cost	cost	NOUN
arjefm-85	315	22	efficiency	efficiency	NOUN
arjefm-85	315	23	are	be	AUX
arjefm-85	315	24	not	not	PART
arjefm-85	315	25	related	relate	VERB
arjefm-85	315	26	to	to	ADP
arjefm-85	315	27	the	the	DET
arjefm-85	315	28	size	size	NOUN
arjefm-85	315	29	of	of	ADP
arjefm-85	315	30	the	the	DET
arjefm-85	315	31	bank	bank	NOUN
arjefm-85	315	32	.	.	PUNCT
arjefm-85	316	1	this	this	PRON
arjefm-85	316	2	might	might	AUX
arjefm-85	316	3	suggest	suggest	VERB
arjefm-85	316	4	that	that	DET
arjefm-85	316	5	behavior	behavior	NOUN
arjefm-85	316	6	of	of	ADP
arjefm-85	316	7	the	the	DET
arjefm-85	316	8	banks	bank	NOUN
arjefm-85	316	9	with	with	ADP
arjefm-85	316	10	respect	respect	NOUN
arjefm-85	316	11	to	to	ADP
arjefm-85	316	12	cost	cost	NOUN
arjefm-85	316	13	efficiency	efficiency	NOUN
arjefm-85	316	14	does	do	AUX
arjefm-85	316	15	not	not	PART
arjefm-85	316	16	vary	vary	VERB
arjefm-85	316	17	with	with	ADP
arjefm-85	316	18	increasing	increase	VERB
arjefm-85	316	19	balance	balance	NOUN
arjefm-85	316	20	sheet	sheet	NOUN
arjefm-85	316	21	size	size	NOUN
arjefm-85	316	22	.	.	PUNCT
arjefm-85	317	1	this	this	DET
arjefm-85	317	2	result	result	NOUN
arjefm-85	317	3	is	be	AUX
arjefm-85	317	4	not	not	PART
arjefm-85	317	5	consistent	consistent	ADJ
arjefm-85	317	6	with	with	ADP
arjefm-85	317	7	the	the	DET
arjefm-85	317	8	findings	finding	NOUN
arjefm-85	317	9	of	of	ADP
arjefm-85	317	10	wheelock	wheelock	PROPN
arjefm-85	317	11	and	and	CCONJ
arjefm-85	317	12	wilson	wilson	PROPN
arjefm-85	317	13	(	(	PUNCT
arjefm-85	317	14	2012	2012	NUM
arjefm-85	317	15	)	)	PUNCT
arjefm-85	317	16	or	or	CCONJ
arjefm-85	317	17	hughes	hughe	NOUN
arjefm-85	317	18	and	and	CCONJ
arjefm-85	317	19	mester	mester	PROPN
arjefm-85	317	20	(	(	PUNCT
arjefm-85	317	21	2013	2013	NUM
arjefm-85	317	22	)	)	PUNCT
arjefm-85	317	23	.	.	PUNCT
arjefm-85	318	1	capital	capital	NOUN
arjefm-85	318	2	equation	equation	NOUN
arjefm-85	318	3	results	result	NOUN
arjefm-85	318	4	let	let	VERB
arjefm-85	318	5	us	we	PRON
arjefm-85	318	6	move	move	VERB
arjefm-85	318	7	to	to	ADP
arjefm-85	318	8	the	the	DET
arjefm-85	318	9	results	result	NOUN
arjefm-85	318	10	of	of	ADP
arjefm-85	318	11	the	the	DET
arjefm-85	318	12	capital	capital	NOUN
arjefm-85	318	13	equation	equation	NOUN
arjefm-85	318	14	presented	present	VERB
arjefm-85	318	15	in	in	ADP
arjefm-85	318	16	table	table	NOUN
arjefm-85	318	17	9	9	NUM
arjefm-85	318	18	.	.	PUNCT
arjefm-85	319	1	the	the	DET
arjefm-85	319	2	results	result	NOUN
arjefm-85	319	3	show	show	VERB
arjefm-85	319	4	a	a	DET
arjefm-85	319	5	negative	negative	ADJ
arjefm-85	319	6	and	and	CCONJ
arjefm-85	319	7	significant	significant	ADJ
arjefm-85	319	8	relationship	relationship	NOUN
arjefm-85	319	9	between	between	ADP
arjefm-85	319	10	change	change	NOUN
arjefm-85	319	11	in	in	ADP
arjefm-85	319	12	capital	capital	NOUN
arjefm-85	319	13	and	and	CCONJ
arjefm-85	319	14	change	change	NOUN
arjefm-85	319	15	in	in	ADP
arjefm-85	319	16	bank	bank	NOUN
arjefm-85	319	17	efficiency	efficiency	NOUN
arjefm-85	319	18	.	.	PUNCT
arjefm-85	320	1	inefficient	inefficient	ADJ
arjefm-85	320	2	banks	bank	NOUN
arjefm-85	320	3	run	run	VERB
arjefm-85	320	4	therefore	therefore	ADV
arjefm-85	320	5	with	with	ADP
arjefm-85	320	6	higher	high	ADJ
arjefm-85	320	7	level	level	NOUN
arjefm-85	320	8	of	of	ADP
arjefm-85	320	9	capital	capital	NOUN
arjefm-85	320	10	in	in	ADP
arjefm-85	320	11	cameroonian	cameroonian	PROPN
arjefm-85	320	12	banking	banking	NOUN
arjefm-85	320	13	.	.	PUNCT
arjefm-85	321	1	h3	h3	NOUN
arjefm-85	321	2	is	be	AUX
arjefm-85	321	3	validated	validate	VERB
arjefm-85	321	4	.	.	PUNCT
arjefm-85	322	1	the	the	DET
arjefm-85	322	2	authors	author	NOUN
arjefm-85	322	3	also	also	ADV
arjefm-85	322	4	have	have	VERB
arjefm-85	322	5	a	a	DET
arjefm-85	322	6	negative	negative	ADJ
arjefm-85	322	7	one	one	NOUN
arjefm-85	322	8	with	with	ADP
arjefm-85	322	9	risk	risk	NOUN
arjefm-85	322	10	taking	take	VERB
arjefm-85	322	11	meaning	meaning	NOUN
arjefm-85	322	12	that	that	SCONJ
arjefm-85	322	13	capital	capital	NOUN
arjefm-85	322	14	regulation	regulation	NOUN
arjefm-85	322	15	is	be	AUX
arjefm-85	322	16	not	not	PART
arjefm-85	322	17	binding	bind	VERB
arjefm-85	322	18	strictly	strictly	ADV
arjefm-85	322	19	in	in	ADP
arjefm-85	322	20	cameroon	cameroon	NOUN
arjefm-85	322	21	.	.	PUNCT
arjefm-85	323	1	in	in	ADP
arjefm-85	323	2	fact	fact	NOUN
arjefm-85	323	3	,	,	PUNCT
arjefm-85	323	4	there	there	PRON
arjefm-85	323	5	is	be	VERB
arjefm-85	323	6	a	a	DET
arjefm-85	323	7	possibility	possibility	NOUN
arjefm-85	323	8	that	that	SCONJ
arjefm-85	323	9	banks	bank	NOUN
arjefm-85	323	10	escape	escape	VERB
arjefm-85	323	11	from	from	ADP
arjefm-85	323	12	cobac	cobac	NOUN
arjefm-85	323	13	’s	’s	PART
arjefm-85	323	14	measures	measure	NOUN
arjefm-85	323	15	.	.	PUNCT
arjefm-85	324	1	banks	bank	NOUN
arjefm-85	324	2	with	with	ADP
arjefm-85	324	3	significant	significant	ADJ
arjefm-85	324	4	amount	amount	NOUN
arjefm-85	324	5	of	of	ADP
arjefm-85	324	6	non	non	ADJ
arjefm-85	324	7	-	-	ADJ
arjefm-85	324	8	performing	performing	ADJ
arjefm-85	324	9	loans	loan	NOUN
arjefm-85	324	10	are	be	AUX
arjefm-85	324	11	forced	force	VERB
arjefm-85	324	12	to	to	PART
arjefm-85	324	13	provide	provide	VERB
arjefm-85	324	14	more	more	ADJ
arjefm-85	324	15	provisions	provision	NOUN
arjefm-85	324	16	leading	lead	VERB
arjefm-85	324	17	to	to	ADP
arjefm-85	324	18	consequent	consequent	ADJ
arjefm-85	324	19	evolution	evolution	NOUN
arjefm-85	324	20	of	of	ADP
arjefm-85	324	21	their	their	PRON
arjefm-85	324	22	capital	capital	NOUN
arjefm-85	324	23	.	.	PUNCT
arjefm-85	325	1	similarly	similarly	ADV
arjefm-85	325	2	,	,	PUNCT
arjefm-85	325	3	as	as	SCONJ
arjefm-85	325	4	observed	observe	VERB
arjefm-85	325	5	in	in	ADP
arjefm-85	325	6	the	the	DET
arjefm-85	325	7	risk	risk	NOUN
arjefm-85	325	8	equation	equation	NOUN
arjefm-85	325	9	,	,	PUNCT
arjefm-85	325	10	results	result	NOUN
arjefm-85	325	11	of	of	ADP
arjefm-85	325	12	the	the	DET
arjefm-85	325	13	estimation	estimation	NOUN
arjefm-85	325	14	of	of	ADP
arjefm-85	325	15	the	the	DET
arjefm-85	325	16	capital	capital	NOUN
arjefm-85	325	17	equation	equation	NOUN
arjefm-85	325	18	suggest	suggest	VERB
arjefm-85	325	19	a	a	DET
arjefm-85	325	20	negative	negative	ADJ
arjefm-85	325	21	and	and	CCONJ
arjefm-85	325	22	significant	significant	ADJ
arjefm-85	325	23	relation	relation	NOUN
arjefm-85	325	24	with	with	ADP
arjefm-85	325	25	the	the	DET
arjefm-85	325	26	size	size	NOUN
arjefm-85	325	27	of	of	ADP
arjefm-85	325	28	the	the	DET
arjefm-85	325	29	bank	bank	NOUN
arjefm-85	325	30	as	as	SCONJ
arjefm-85	325	31	generally	generally	ADV
arjefm-85	325	32	found	find	VERB
arjefm-85	325	33	in	in	ADP
arjefm-85	325	34	the	the	DET
arjefm-85	325	35	literature	literature	NOUN
arjefm-85	325	36	and	and	CCONJ
arjefm-85	325	37	notably	notably	ADV
arjefm-85	325	38	by	by	ADP
arjefm-85	325	39	aggrawal	aggrawal	NOUN
arjefm-85	325	40	et	et	PROPN
arjefm-85	325	41	al	al	PROPN
arjefm-85	325	42	.	.	PUNCT
arjefm-85	326	1	(	(	PUNCT
arjefm-85	326	2	1998	1998	NUM
arjefm-85	326	3	)	)	PUNCT
arjefm-85	326	4	or	or	CCONJ
arjefm-85	326	5	rime	rime	NOUN
arjefm-85	326	6	(	(	PUNCT
arjefm-85	326	7	2001	2001	NUM
arjefm-85	326	8	)	)	PUNCT
arjefm-85	326	9	.	.	PUNCT
arjefm-85	327	1	the	the	DET
arjefm-85	327	2	change	change	NOUN
arjefm-85	327	3	in	in	ADP
arjefm-85	327	4	the	the	DET
arjefm-85	327	5	bank	bank	NOUN
arjefm-85	327	6	capital	capital	NOUN
arjefm-85	327	7	is	be	AUX
arjefm-85	327	8	however	however	ADV
arjefm-85	327	9	not	not	PART
arjefm-85	327	10	related	relate	VERB
arjefm-85	327	11	to	to	ADP
arjefm-85	327	12	the	the	DET
arjefm-85	327	13	bank	bank	NOUN
arjefm-85	327	14	’s	’s	PART
arjefm-85	327	15	return	return	NOUN
arjefm-85	327	16	on	on	ADP
arjefm-85	327	17	assets	asset	NOUN
arjefm-85	327	18	in	in	ADP
arjefm-85	327	19	a	a	DET
arjefm-85	327	20	given	give	VERB
arjefm-85	327	21	year	year	NOUN
arjefm-85	327	22	.	.	PUNCT
arjefm-85	328	1	this	this	DET
arjefm-85	328	2	last	last	ADJ
arjefm-85	328	3	result	result	NOUN
arjefm-85	328	4	is	be	AUX
arjefm-85	328	5	not	not	PART
arjefm-85	328	6	consistent	consistent	ADJ
arjefm-85	328	7	with	with	ADP
arjefm-85	328	8	altunbas	altunbas	PROPN
arjefm-85	328	9	et	et	PROPN
arjefm-85	328	10	al	al	PROPN
arjefm-85	328	11	.	.	PROPN
arjefm-85	329	1	(	(	PUNCT
arjefm-85	329	2	2007	2007	NUM
arjefm-85	329	3	)	)	PUNCT
arjefm-85	329	4	who	who	PRON
arjefm-85	329	5	found	find	VERB
arjefm-85	329	6	that	that	PRON
arjefm-85	329	7	roa	roa	PROPN
arjefm-85	329	8	and	and	CCONJ
arjefm-85	329	9	bank	bank	NOUN
arjefm-85	329	10	capital	capital	NOUN
arjefm-85	329	11	are	be	AUX
arjefm-85	329	12	sharply	sharply	ADV
arjefm-85	329	13	and	and	CCONJ
arjefm-85	329	14	positively	positively	ADV
arjefm-85	329	15	related	relate	VERB
arjefm-85	329	16	.	.	PUNCT
arjefm-85	330	1	it	it	PRON
arjefm-85	330	2	therefore	therefore	ADV
arjefm-85	330	3	seems	seem	VERB
arjefm-85	330	4	that	that	SCONJ
arjefm-85	330	5	banks	bank	NOUN
arjefm-85	330	6	in	in	ADP
arjefm-85	330	7	cameroon	cameroon	PROPN
arjefm-85	330	8	do	do	VERB
arjefm-85	330	9	no	no	DET
arjefm-85	330	10	rely	rely	NOUN
arjefm-85	330	11	on	on	ADP
arjefm-85	330	12	earnings	earning	NOUN
arjefm-85	330	13	in	in	ADP
arjefm-85	330	14	order	order	NOUN
arjefm-85	330	15	to	to	PART
arjefm-85	330	16	increase	increase	VERB
arjefm-85	330	17	their	their	PRON
arjefm-85	330	18	capital	capital	NOUN
arjefm-85	330	19	.	.	PUNCT
arjefm-85	331	1	table	table	NOUN
arjefm-85	331	2	9	9	NUM
arjefm-85	331	3	.	.	PUNCT
arjefm-85	332	1	capital	capital	NOUN
arjefm-85	332	2	equation	equation	NOUN
arjefm-85	332	3	results	result	VERB
arjefm-85	332	4	.	.	PUNCT
arjefm-85	333	1	variable	variable	ADJ
arjefm-85	333	2	coef	coef	PROPN
arjefm-85	333	3	se	se	PROPN
arjefm-85	333	4	t	t	PROPN
arjefm-85	333	5	-	-	PUNCT
arjefm-85	333	6	stat	stat	PROPN
arjefm-85	333	7	prob	prob	NOUN
arjefm-85	333	8	c	c	PROPN
arjefm-85	333	9	0.642	0.642	NUM
arjefm-85	333	10	0.504	0.504	NUM
arjefm-85	333	11	1.273	1.273	NUM
arjefm-85	333	12	0.205	0.205	NUM
arjefm-85	333	13	∆effic	∆effic	NUM
arjefm-85	333	14	-0.551	-0.551	PUNCT
arjefm-85	333	15	*	*	PUNCT
arjefm-85	333	16	*	*	PROPN
arjefm-85	333	17	0.212	0.212	NUM
arjefm-85	333	18	-2.591	-2.591	SYM
arjefm-85	333	19	0.010	0.010	NUM
arjefm-85	333	20	∆risk	∆risk	NOUN
arjefm-85	333	21	-0.525	-0.525	PUNCT
arjefm-85	333	22	*	*	PUNCT
arjefm-85	333	23	*	*	PUNCT
arjefm-85	333	24	*	*	SYM
arjefm-85	333	25	0.047	0.047	NUM
arjefm-85	333	26	-11.047	-11.047	NOUN
arjefm-85	333	27	0.000	0.000	NUM
arjefm-85	333	28	cap	cap	NOUN
arjefm-85	333	29	(	(	PUNCT
arjefm-85	333	30	-1	-1	ADJ
arjefm-85	333	31	)	)	PUNCT
arjefm-85	333	32	-0.182	-0.182	NOUN
arjefm-85	333	33	*	*	PUNCT
arjefm-85	333	34	*	*	PUNCT
arjefm-85	333	35	*	*	PUNCT
arjefm-85	333	36	0.055	0.055	NUM
arjefm-85	333	37	-3.274	-3.274	NUM
arjefm-85	333	38	0.001	0.001	NUM
arjefm-85	333	39	size	size	NOUN
arjefm-85	333	40	-0.026	-0.026	PUNCT
arjefm-85	333	41	0.022	0.022	NUM
arjefm-85	333	42	-1.153	-1.153	NUM
arjefm-85	333	43	0.251	0.251	NUM
arjefm-85	333	44	roa	roa	NOUN
arjefm-85	333	45	0.028	0.028	NUM
arjefm-85	333	46	0.017	0.017	NUM
arjefm-85	333	47	1.629	1.629	NUM
arjefm-85	333	48	0.105	0.105	NUM
arjefm-85	333	49	source	source	NOUN
arjefm-85	333	50	:	:	PUNCT
arjefm-85	333	51	authors	author	NOUN
arjefm-85	333	52	calculations	calculation	NOUN
arjefm-85	333	53	based	base	VERB
arjefm-85	333	54	on	on	ADP
arjefm-85	333	55	eviews	eviews	PROPN
arjefm-85	333	56	12	12	NUM
arjefm-85	333	57	software	software	NOUN
arjefm-85	333	58	.	.	PUNCT
arjefm-85	334	1	table	table	NOUN
arjefm-85	334	2	10	10	NUM
arjefm-85	334	3	.	.	PUNCT
arjefm-85	335	1	capability	capability	NOUN
arjefm-85	335	2	of	of	ADP
arjefm-85	335	3	the	the	DET
arjefm-85	335	4	model	model	NOUN
arjefm-85	335	5	.	.	PUNCT
arjefm-85	336	1	equation	equation	NOUN
arjefm-85	336	2	obs	obs	PROPN
arjefm-85	336	3	parms	parm	VERB
arjefm-85	336	4	rmse	rmse	NOUN
arjefm-85	336	5	r	r	NOUN
arjefm-85	336	6	-	-	PUNCT
arjefm-85	336	7	sq	sq	ADJ
arjefm-85	336	8	fstat	fstat	NOUN
arjefm-85	336	9	p	p	NOUN
arjefm-85	336	10	efficiency	efficiency	NOUN
arjefm-85	336	11	54	54	NUM
arjefm-85	336	12	5	5	NUM
arjefm-85	336	13	0.131	0.131	NUM
arjefm-85	336	14	0.479	0.479	NUM
arjefm-85	336	15	12.59	12.59	NUM
arjefm-85	336	16	0.000	0.000	NUM
arjefm-85	336	17	risk	risk	NOUN
arjefm-85	336	18	54	54	NUM
arjefm-85	336	19	6	6	NUM
arjefm-85	336	20	0.116	0.116	NUM
arjefm-85	336	21	0.535	0.535	NUM
arjefm-85	336	22	11.19	11.19	NUM
arjefm-85	336	23	0.000	0.000	NUM
arjefm-85	336	24	capital	capital	NOUN
arjefm-85	336	25	54	54	NUM
arjefm-85	336	26	5	5	NUM
arjefm-85	336	27	0.472	0.472	NUM
arjefm-85	336	28	0.513	0.513	NUM
arjefm-85	336	29	14.27	14.27	NUM
arjefm-85	336	30	0.000	0.000	NUM
arjefm-85	336	31	mailto:contact@americaserial.com	mailto:contact@americaserial.com	NOUN
arjefm-85	336	32	advanced	advanced	ADJ
arjefm-85	336	33	journal	journal	NOUN
arjefm-85	336	34	of	of	ADP
arjefm-85	336	35	economics	economic	NOUN
arjefm-85	336	36	and	and	CCONJ
arjefm-85	336	37	business	business	NOUN
arjefm-85	336	38	research	research	NOUN
arjefm-85	336	39	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	336	40	,	,	PUNCT
arjefm-85	336	41	email	email	NOUN
arjefm-85	336	42	:	:	PUNCT
arjefm-85	336	43	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	337	1	62	62	NUM
arjefm-85	338	1	|	|	ADV
arjefm-85	338	2	p	p	NOUN
arjefm-85	338	3	a	a	DET
arjefm-85	338	4	g	g	NOUN
arjefm-85	338	5	e	e	NOUN
arjefm-85	338	6	source	source	NOUN
arjefm-85	338	7	:	:	PUNCT
arjefm-85	338	8	authors	author	NOUN
arjefm-85	338	9	calculations	calculation	NOUN
arjefm-85	338	10	.	.	PUNCT
arjefm-85	339	1	table	table	NOUN
arjefm-85	339	2	10	10	NUM
arjefm-85	339	3	presents	present	VERB
arjefm-85	339	4	the	the	DET
arjefm-85	339	5	capability	capability	NOUN
arjefm-85	339	6	of	of	ADP
arjefm-85	339	7	our	our	PRON
arjefm-85	339	8	model	model	NOUN
arjefm-85	339	9	to	to	PART
arjefm-85	339	10	link	link	VERB
arjefm-85	339	11	efficiency	efficiency	NOUN
arjefm-85	339	12	,	,	PUNCT
arjefm-85	339	13	capital	capital	NOUN
arjefm-85	339	14	and	and	CCONJ
arjefm-85	339	15	risk	risk	NOUN
arjefm-85	339	16	in	in	ADP
arjefm-85	339	17	cameroonian	cameroonian	ADJ
arjefm-85	339	18	commercial	commercial	ADJ
arjefm-85	339	19	banks	bank	NOUN
arjefm-85	339	20	.	.	PUNCT
arjefm-85	340	1	all	all	DET
arjefm-85	340	2	x2	x2	PRON
arjefm-85	340	3	are	be	AUX
arjefm-85	340	4	significant	significant	ADJ
arjefm-85	340	5	at	at	ADP
arjefm-85	340	6	1	1	NUM
arjefm-85	340	7	%	%	NOUN
arjefm-85	340	8	level	level	NOUN
arjefm-85	340	9	.	.	PUNCT
arjefm-85	341	1	this	this	PRON
arjefm-85	341	2	means	mean	VERB
arjefm-85	341	3	that	that	SCONJ
arjefm-85	341	4	at	at	ADV
arjefm-85	341	5	least	least	ADV
arjefm-85	341	6	one	one	NUM
arjefm-85	341	7	instrumental	instrumental	ADJ
arjefm-85	341	8	variable	variable	NOUN
arjefm-85	341	9	(	(	PUNCT
arjefm-85	341	10	iv	iv	X
arjefm-85	341	11	)	)	PUNCT
arjefm-85	341	12	has	have	VERB
arjefm-85	341	13	non	non	ADJ
arjefm-85	341	14	zero	zero	NUM
arjefm-85	341	15	relationship	relationship	NOUN
arjefm-85	341	16	with	with	ADP
arjefm-85	341	17	endogenous	endogenous	ADJ
arjefm-85	341	18	variables	variable	NOUN
arjefm-85	341	19	(	(	PUNCT
arjefm-85	341	20	efficiency	efficiency	NOUN
arjefm-85	341	21	,	,	PUNCT
arjefm-85	341	22	risk	risk	NOUN
arjefm-85	341	23	and	and	CCONJ
arjefm-85	341	24	capital	capital	NOUN
arjefm-85	341	25	)	)	PUNCT
arjefm-85	341	26	.	.	PUNCT
arjefm-85	342	1	conclusion	conclusion	NOUN
arjefm-85	342	2	in	in	ADP
arjefm-85	342	3	the	the	DET
arjefm-85	342	4	aftermath	aftermath	NOUN
arjefm-85	342	5	of	of	ADP
arjefm-85	342	6	the	the	DET
arjefm-85	342	7	financial	financial	ADJ
arjefm-85	342	8	deregulation	deregulation	NOUN
arjefm-85	342	9	aiming	aim	VERB
arjefm-85	342	10	to	to	PART
arjefm-85	342	11	improve	improve	VERB
arjefm-85	342	12	bank	bank	NOUN
arjefm-85	342	13	efficiency	efficiency	NOUN
arjefm-85	342	14	in	in	ADP
arjefm-85	342	15	cameroon	cameroon	NOUN
arjefm-85	342	16	,	,	PUNCT
arjefm-85	342	17	to	to	PART
arjefm-85	342	18	address	address	VERB
arjefm-85	342	19	the	the	DET
arjefm-85	342	20	potential	potential	ADJ
arjefm-85	342	21	implicit	implicit	ADJ
arjefm-85	342	22	threat	threat	NOUN
arjefm-85	342	23	to	to	ADP
arjefm-85	342	24	the	the	DET
arjefm-85	342	25	banking	banking	NOUN
arjefm-85	342	26	system	system	NOUN
arjefm-85	342	27	stability	stability	NOUN
arjefm-85	342	28	,	,	PUNCT
arjefm-85	342	29	the	the	DET
arjefm-85	342	30	central	central	ADJ
arjefm-85	342	31	african	african	ADJ
arjefm-85	342	32	states	states	PROPN
arjefm-85	342	33	banking	banking	NOUN
arjefm-85	342	34	commission	commission	PROPN
arjefm-85	342	35	(	(	PUNCT
arjefm-85	342	36	cobac	cobac	PROPN
arjefm-85	342	37	)	)	PUNCT
arjefm-85	342	38	placed	place	VERB
arjefm-85	342	39	a	a	DET
arjefm-85	342	40	more	more	ADJ
arjefm-85	342	41	emphasis	emphasis	NOUN
arjefm-85	342	42	on	on	ADP
arjefm-85	342	43	bank	bank	NOUN
arjefm-85	342	44	governance	governance	NOUN
arjefm-85	342	45	considerations	consideration	NOUN
arjefm-85	342	46	and	and	CCONJ
arjefm-85	342	47	notably	notably	ADV
arjefm-85	342	48	on	on	ADP
arjefm-85	342	49	a	a	DET
arjefm-85	342	50	more	more	ADV
arjefm-85	342	51	preeminent	preeminent	ADJ
arjefm-85	342	52	role	role	NOUN
arjefm-85	342	53	of	of	ADP
arjefm-85	342	54	capital	capital	NOUN
arjefm-85	342	55	adequacy	adequacy	NOUN
arjefm-85	342	56	ratios	ratio	NOUN
arjefm-85	342	57	in	in	ADP
arjefm-85	342	58	the	the	DET
arjefm-85	342	59	implementation	implementation	NOUN
arjefm-85	342	60	of	of	ADP
arjefm-85	342	61	prudential	prudential	ADJ
arjefm-85	342	62	regulation	regulation	NOUN
arjefm-85	342	63	.	.	PUNCT
arjefm-85	343	1	however	however	ADV
arjefm-85	343	2	,	,	PUNCT
arjefm-85	343	3	neither	neither	CCONJ
arjefm-85	343	4	theoretical	theoretical	ADJ
arjefm-85	343	5	studies	study	NOUN
arjefm-85	343	6	nor	nor	CCONJ
arjefm-85	343	7	empirical	empirical	ADJ
arjefm-85	343	8	papers	paper	NOUN
arjefm-85	343	9	are	be	AUX
arjefm-85	343	10	until	until	ADP
arjefm-85	343	11	now	now	ADV
arjefm-85	343	12	conclusive	conclusive	ADJ
arjefm-85	343	13	on	on	ADP
arjefm-85	343	14	the	the	DET
arjefm-85	343	15	effect	effect	NOUN
arjefm-85	343	16	of	of	ADP
arjefm-85	343	17	more	more	ADV
arjefm-85	343	18	stringent	stringent	ADJ
arjefm-85	343	19	capital	capital	NOUN
arjefm-85	343	20	requirements	requirement	NOUN
arjefm-85	343	21	on	on	ADP
arjefm-85	343	22	bank	bank	NOUN
arjefm-85	343	23	efficiency	efficiency	NOUN
arjefm-85	343	24	and	and	CCONJ
arjefm-85	343	25	risk	risk	NOUN
arjefm-85	343	26	behavior	behavior	NOUN
arjefm-85	343	27	.	.	PUNCT
arjefm-85	344	1	in	in	ADP
arjefm-85	344	2	this	this	DET
arjefm-85	344	3	paper	paper	NOUN
arjefm-85	344	4	,	,	PUNCT
arjefm-85	344	5	the	the	DET
arjefm-85	344	6	interrelationships	interrelationship	NOUN
arjefm-85	344	7	between	between	ADP
arjefm-85	344	8	risk	risk	NOUN
arjefm-85	344	9	-	-	PUNCT
arjefm-85	344	10	taking	taking	NOUN
arjefm-85	344	11	,	,	PUNCT
arjefm-85	344	12	capital	capital	NOUN
arjefm-85	344	13	regulation	regulation	NOUN
arjefm-85	344	14	and	and	CCONJ
arjefm-85	344	15	efficiency	efficiency	NOUN
arjefm-85	344	16	in	in	ADP
arjefm-85	344	17	cameroonian	cameroonian	ADJ
arjefm-85	344	18	commercial	commercial	ADJ
arjefm-85	344	19	banks	bank	NOUN
arjefm-85	344	20	were	be	AUX
arjefm-85	344	21	examined	examine	VERB
arjefm-85	344	22	.	.	PUNCT
arjefm-85	345	1	to	to	PART
arjefm-85	345	2	reach	reach	VERB
arjefm-85	345	3	target	target	NOUN
arjefm-85	345	4	,	,	PUNCT
arjefm-85	345	5	based	base	VERB
arjefm-85	345	6	on	on	ADP
arjefm-85	345	7	theoretical	theoretical	ADJ
arjefm-85	345	8	contributions	contribution	NOUN
arjefm-85	345	9	and	and	CCONJ
arjefm-85	345	10	an	an	DET
arjefm-85	345	11	analysis	analysis	NOUN
arjefm-85	345	12	of	of	ADP
arjefm-85	345	13	the	the	DET
arjefm-85	345	14	cameroonian	cameroonian	ADJ
arjefm-85	345	15	context	context	NOUN
arjefm-85	345	16	,	,	PUNCT
arjefm-85	345	17	three	three	NUM
arjefm-85	345	18	hypotheses	hypothesis	NOUN
arjefm-85	345	19	are	be	AUX
arjefm-85	345	20	formulated	formulate	VERB
arjefm-85	345	21	:	:	PUNCT
arjefm-85	345	22	h1	h1	NOUN
arjefm-85	345	23	:	:	PUNCT
arjefm-85	345	24	increase	increase	VERB
arjefm-85	345	25	in	in	ADP
arjefm-85	345	26	bank	bank	NOUN
arjefm-85	345	27	capital	capital	NOUN
arjefm-85	345	28	reduces	reduce	VERB
arjefm-85	345	29	commercial	commercial	ADJ
arjefm-85	345	30	banks	bank	NOUN
arjefm-85	345	31	risk	risk	NOUN
arjefm-85	345	32	taking	take	VERB
arjefm-85	345	33	in	in	ADP
arjefm-85	345	34	cameroonian	cameroonian	ADJ
arjefm-85	345	35	banking	banking	NOUN
arjefm-85	345	36	.	.	PUNCT
arjefm-85	346	1	h2	h2	PROPN
arjefm-85	346	2	:	:	PUNCT
arjefm-85	346	3	there	there	PRON
arjefm-85	346	4	are	be	VERB
arjefm-85	346	5	tradeoffs	tradeoff	NOUN
arjefm-85	346	6	between	between	ADP
arjefm-85	346	7	bank	bank	NOUN
arjefm-85	346	8	efficiency	efficiency	NOUN
arjefm-85	346	9	and	and	CCONJ
arjefm-85	346	10	bank	bank	NOUN
arjefm-85	346	11	risk	risk	NOUN
arjefm-85	346	12	taking	take	VERB
arjefm-85	346	13	in	in	ADP
arjefm-85	346	14	cameroonian	cameroonian	ADJ
arjefm-85	346	15	banking	banking	NOUN
arjefm-85	346	16	.	.	PUNCT
arjefm-85	347	1	h3	h3	NOUN
arjefm-85	347	2	:	:	PUNCT
arjefm-85	347	3	inefficient	inefficient	ADJ
arjefm-85	347	4	banks	bank	NOUN
arjefm-85	347	5	run	run	VERB
arjefm-85	347	6	with	with	ADP
arjefm-85	347	7	higher	high	ADJ
arjefm-85	347	8	level	level	NOUN
arjefm-85	347	9	of	of	ADP
arjefm-85	347	10	capital	capital	NOUN
arjefm-85	347	11	in	in	ADP
arjefm-85	347	12	cameroonian	cameroonian	PROPN
arjefm-85	347	13	banking	banking	NOUN
arjefm-85	347	14	.	.	PUNCT
arjefm-85	348	1	these	these	DET
arjefm-85	348	2	hypotheses	hypothesis	NOUN
arjefm-85	348	3	are	be	AUX
arjefm-85	348	4	tested	test	VERB
arjefm-85	348	5	on	on	ADP
arjefm-85	348	6	a	a	DET
arjefm-85	348	7	sample	sample	NOUN
arjefm-85	348	8	of	of	ADP
arjefm-85	348	9	representative	representative	ADJ
arjefm-85	348	10	cameroonian	cameroonian	ADJ
arjefm-85	348	11	commercial	commercial	ADJ
arjefm-85	348	12	banks	bank	NOUN
arjefm-85	348	13	from	from	ADP
arjefm-85	348	14	2014	2014	NUM
arjefm-85	348	15	to	to	ADP
arjefm-85	348	16	2020	2020	NUM
arjefm-85	348	17	in	in	ADP
arjefm-85	348	18	a	a	DET
arjefm-85	348	19	system	system	NOUN
arjefm-85	348	20	of	of	ADP
arjefm-85	348	21	simultaneous	simultaneous	ADJ
arjefm-85	348	22	equations	equation	NOUN
arjefm-85	348	23	approach	approach	NOUN
arjefm-85	348	24	.	.	PUNCT
arjefm-85	349	1	estimation	estimation	NOUN
arjefm-85	349	2	of	of	ADP
arjefm-85	349	3	the	the	DET
arjefm-85	349	4	system	system	NOUN
arjefm-85	349	5	relies	rely	VERB
arjefm-85	349	6	on	on	ADP
arjefm-85	349	7	the	the	DET
arjefm-85	349	8	use	use	NOUN
arjefm-85	349	9	of	of	ADP
arjefm-85	349	10	the	the	DET
arjefm-85	349	11	two	two	NUM
arjefm-85	349	12	stages	stage	NOUN
arjefm-85	349	13	panel	panel	NOUN
arjefm-85	349	14	data	datum	NOUN
arjefm-85	349	15	estimator	estimator	NOUN
arjefm-85	349	16	technique	technique	NOUN
arjefm-85	349	17	to	to	PART
arjefm-85	349	18	account	account	VERB
arjefm-85	349	19	for	for	ADP
arjefm-85	349	20	potential	potential	ADJ
arjefm-85	349	21	endogeneity	endogeneity	NOUN
arjefm-85	349	22	and	and	CCONJ
arjefm-85	349	23	simultaneity	simultaneity	NOUN
arjefm-85	349	24	and	and	CCONJ
arjefm-85	349	25	small	small	ADJ
arjefm-85	349	26	samples	sample	NOUN
arjefm-85	349	27	approaches	approach	NOUN
arjefm-85	349	28	.	.	PUNCT
arjefm-85	350	1	cost	cost	VERB
arjefm-85	350	2	technical	technical	ADJ
arjefm-85	350	3	inefficiency	inefficiency	NOUN
arjefm-85	350	4	is	be	AUX
arjefm-85	350	5	derived	derive	VERB
arjefm-85	350	6	using	use	VERB
arjefm-85	350	7	the	the	DET
arjefm-85	350	8	computer	computer	NOUN
arjefm-85	350	9	program	program	NOUN
arjefm-85	350	10	named	name	VERB
arjefm-85	350	11	frontier	frontier	NOUN
arjefm-85	350	12	version	version	NOUN
arjefm-85	350	13	4.1	4.1	NUM
arjefm-85	350	14	developed	develop	VERB
arjefm-85	350	15	by	by	ADP
arjefm-85	350	16	coelli	coelli	PROPN
arjefm-85	350	17	(	(	PUNCT
arjefm-85	350	18	1996	1996	NUM
arjefm-85	350	19	)	)	PUNCT
arjefm-85	350	20	.	.	PUNCT
arjefm-85	351	1	the	the	DET
arjefm-85	351	2	authors	author	NOUN
arjefm-85	351	3	also	also	ADV
arjefm-85	351	4	use	use	VERB
arjefm-85	351	5	proxy	proxy	ADJ
arjefm-85	351	6	risk	risk	NOUN
arjefm-85	351	7	taking	take	VERB
arjefm-85	351	8	by	by	ADP
arjefm-85	351	9	a	a	DET
arjefm-85	351	10	credit	credit	NOUN
arjefm-85	351	11	risk	risk	NOUN
arjefm-85	351	12	measure	measure	NOUN
arjefm-85	351	13	,	,	PUNCT
arjefm-85	351	14	capital	capital	NOUN
arjefm-85	351	15	by	by	ADP
arjefm-85	351	16	the	the	DET
arjefm-85	351	17	capital	capital	NOUN
arjefm-85	351	18	adequacy	adequacy	NOUN
arjefm-85	351	19	ratio	ratio	NOUN
arjefm-85	351	20	and	and	CCONJ
arjefm-85	351	21	control	control	NOUN
arjefm-85	351	22	for	for	ADP
arjefm-85	351	23	bank	bank	NOUN
arjefm-85	351	24	-	-	PUNCT
arjefm-85	351	25	level	level	NOUN
arjefm-85	351	26	variables	variable	NOUN
arjefm-85	351	27	that	that	PRON
arjefm-85	351	28	affect	affect	VERB
arjefm-85	351	29	the	the	DET
arjefm-85	351	30	relationship	relationship	NOUN
arjefm-85	351	31	between	between	ADP
arjefm-85	351	32	the	the	DET
arjefm-85	351	33	three	three	NUM
arjefm-85	351	34	considered	consider	VERB
arjefm-85	351	35	variables	variable	NOUN
arjefm-85	351	36	.	.	PUNCT
arjefm-85	352	1	as	as	ADP
arjefm-85	352	2	a	a	DET
arjefm-85	352	3	result	result	NOUN
arjefm-85	352	4	,	,	PUNCT
arjefm-85	352	5	their	their	PRON
arjefm-85	352	6	empirical	empirical	ADJ
arjefm-85	352	7	analysis	analysis	NOUN
arjefm-85	352	8	shows	show	VERB
arjefm-85	352	9	that	that	SCONJ
arjefm-85	352	10	bank	bank	NOUN
arjefm-85	352	11	capital	capital	NOUN
arjefm-85	352	12	does	do	AUX
arjefm-85	352	13	not	not	PART
arjefm-85	352	14	lead	lead	VERB
arjefm-85	352	15	to	to	ADP
arjefm-85	352	16	bank	bank	NOUN
arjefm-85	352	17	risk	risk	NOUN
arjefm-85	352	18	taking	take	VERB
arjefm-85	352	19	behavior	behavior	NOUN
arjefm-85	352	20	in	in	ADP
arjefm-85	352	21	cameroonian	cameroonian	PROPN
arjefm-85	352	22	banking	banking	NOUN
arjefm-85	352	23	.	.	PUNCT
arjefm-85	353	1	in	in	ADP
arjefm-85	353	2	fact	fact	NOUN
arjefm-85	353	3	,	,	PUNCT
arjefm-85	353	4	there	there	PRON
arjefm-85	353	5	is	be	VERB
arjefm-85	353	6	a	a	DET
arjefm-85	353	7	positive	positive	ADJ
arjefm-85	353	8	and	and	CCONJ
arjefm-85	353	9	significant	significant	ADJ
arjefm-85	353	10	relationship	relationship	NOUN
arjefm-85	353	11	between	between	ADP
arjefm-85	353	12	the	the	DET
arjefm-85	353	13	two	two	NUM
arjefm-85	353	14	variables	variable	NOUN
arjefm-85	353	15	(	(	PUNCT
arjefm-85	353	16	h1	h1	PROPN
arjefm-85	353	17	is	be	AUX
arjefm-85	353	18	not	not	PART
arjefm-85	353	19	validated	validate	VERB
arjefm-85	353	20	)	)	PUNCT
arjefm-85	353	21	.	.	PUNCT
arjefm-85	354	1	moreover	moreover	ADV
arjefm-85	354	2	,	,	PUNCT
arjefm-85	354	3	there	there	PRON
arjefm-85	354	4	is	be	VERB
arjefm-85	354	5	a	a	DET
arjefm-85	354	6	trade	trade	NOUN
arjefm-85	354	7	-off	-off	NOUN
arjefm-85	354	8	between	between	ADP
arjefm-85	354	9	bank	bank	NOUN
arjefm-85	354	10	risk	risk	NOUN
arjefm-85	354	11	and	and	CCONJ
arjefm-85	354	12	bank	bank	NOUN
arjefm-85	354	13	efficiency	efficiency	NOUN
arjefm-85	354	14	in	in	ADP
arjefm-85	354	15	parms	parm	NOUN
arjefm-85	354	16	=	=	NUM
arjefm-85	354	17	parameters	parameter	NOUN
arjefm-85	354	18	rmse	rmse	NOUN
arjefm-85	354	19	=	=	VERB
arjefm-85	354	20	root	root	NOUN
arjefm-85	354	21	mean	mean	VERB
arjefm-85	354	22	square	square	ADJ
arjefm-85	354	23	error	error	NOUN
arjefm-85	354	24	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X
arjefm-85	354	25	advanced	advanced	ADJ
arjefm-85	354	26	journal	journal	NOUN
arjefm-85	354	27	of	of	ADP
arjefm-85	354	28	economics	economic	NOUN
arjefm-85	354	29	and	and	CCONJ
arjefm-85	354	30	business	business	NOUN
arjefm-85	354	31	research	research	NOUN
arjefm-85	354	32	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	354	33	,	,	PUNCT
arjefm-85	354	34	email	email	NOUN
arjefm-85	354	35	:	:	PUNCT
arjefm-85	354	36	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	354	37	63	63	NUM
arjefm-85	355	1	|	|	ADV
arjefm-85	355	2	p	p	NOUN
arjefm-85	355	3	a	a	DET
arjefm-85	355	4	g	g	NOUN
arjefm-85	355	5	e	e	PROPN
arjefm-85	355	6	cameroonian	cameroonian	PROPN
arjefm-85	355	7	banking	banking	NOUN
arjefm-85	355	8	explained	explain	VERB
arjefm-85	355	9	by	by	ADP
arjefm-85	355	10	the	the	DET
arjefm-85	355	11	bad	bad	ADJ
arjefm-85	355	12	luck	luck	NOUN
arjefm-85	355	13	hypothesis	hypothesis	NOUN
arjefm-85	355	14	(	(	PUNCT
arjefm-85	355	15	h2	h2	PROPN
arjefm-85	355	16	is	be	AUX
arjefm-85	355	17	validated	validate	VERB
arjefm-85	355	18	)	)	PUNCT
arjefm-85	355	19	.	.	PUNCT
arjefm-85	356	1	finally	finally	ADV
arjefm-85	356	2	,	,	PUNCT
arjefm-85	356	3	there	there	PRON
arjefm-85	356	4	is	be	VERB
arjefm-85	356	5	a	a	DET
arjefm-85	356	6	negative	negative	ADJ
arjefm-85	356	7	impact	impact	NOUN
arjefm-85	356	8	of	of	ADP
arjefm-85	356	9	change	change	NOUN
arjefm-85	356	10	in	in	ADP
arjefm-85	356	11	efficiency	efficiency	NOUN
arjefm-85	356	12	on	on	ADP
arjefm-85	356	13	the	the	DET
arjefm-85	356	14	yearly	yearly	ADJ
arjefm-85	356	15	change	change	NOUN
arjefm-85	356	16	in	in	ADP
arjefm-85	356	17	bank	bank	NOUN
arjefm-85	356	18	capital	capital	NOUN
arjefm-85	356	19	meaning	mean	VERB
arjefm-85	356	20	that	that	SCONJ
arjefm-85	356	21	inefficient	inefficient	ADJ
arjefm-85	356	22	banks	bank	NOUN
arjefm-85	356	23	run	run	VERB
arjefm-85	356	24	with	with	ADP
arjefm-85	356	25	higher	high	ADJ
arjefm-85	356	26	level	level	NOUN
arjefm-85	356	27	of	of	ADP
arjefm-85	356	28	capital	capital	NOUN
arjefm-85	356	29	in	in	ADP
arjefm-85	356	30	cameroonian	cameroonian	PROPN
arjefm-85	356	31	banking	banking	NOUN
arjefm-85	356	32	(	(	PUNCT
arjefm-85	356	33	h3	h3	NOUN
arjefm-85	356	34	is	be	AUX
arjefm-85	356	35	validated	validate	VERB
arjefm-85	356	36	)	)	PUNCT
arjefm-85	356	37	.	.	PUNCT
arjefm-85	357	1	therefore	therefore	ADV
arjefm-85	357	2	,	,	PUNCT
arjefm-85	357	3	for	for	ADP
arjefm-85	357	4	a	a	DET
arjefm-85	357	5	better	well	ADJ
arjefm-85	357	6	contribution	contribution	NOUN
arjefm-85	357	7	of	of	ADP
arjefm-85	357	8	bank	bank	NOUN
arjefm-85	357	9	policy	policy	NOUN
arjefm-85	357	10	to	to	ADP
arjefm-85	357	11	efficiency	efficiency	NOUN
arjefm-85	357	12	improvements	improvement	NOUN
arjefm-85	357	13	,	,	PUNCT
arjefm-85	357	14	banking	banking	NOUN
arjefm-85	357	15	authorities	authority	NOUN
arjefm-85	357	16	in	in	ADP
arjefm-85	357	17	cameroon	cameroon	PROPN
arjefm-85	357	18	might	might	AUX
arjefm-85	357	19	create	create	VERB
arjefm-85	357	20	conditions	condition	NOUN
arjefm-85	357	21	of	of	ADP
arjefm-85	357	22	bankers	banker	NOUN
arjefm-85	357	23	’	'	PUNCT
arjefm-85	357	24	regulation	regulation	NOUN
arjefm-85	357	25	arbitrage	arbitrage	NOUN
arjefm-85	357	26	mitigation	mitigation	NOUN
arjefm-85	357	27	.	.	PUNCT
arjefm-85	358	1	in	in	ADP
arjefm-85	358	2	this	this	DET
arjefm-85	358	3	sense	sense	NOUN
arjefm-85	358	4	measures	measure	NOUN
arjefm-85	358	5	aiming	aim	VERB
arjefm-85	358	6	to	to	PART
arjefm-85	358	7	ensure	ensure	VERB
arjefm-85	358	8	that	that	SCONJ
arjefm-85	358	9	no	no	DET
arjefm-85	358	10	risk	risk	NOUN
arjefm-85	358	11	spill	spill	NOUN
arjefm-85	358	12	over	over	ADP
arjefm-85	358	13	from	from	ADP
arjefm-85	358	14	non	non	ADJ
arjefm-85	358	15	-	-	ADJ
arjefm-85	358	16	regulated	regulated	ADJ
arjefm-85	358	17	financial	financial	ADJ
arjefm-85	358	18	institutions	institution	NOUN
arjefm-85	358	19	to	to	ADP
arjefm-85	358	20	the	the	DET
arjefm-85	358	21	banking	banking	NOUN
arjefm-85	358	22	system	system	NOUN
arjefm-85	358	23	might	might	AUX
arjefm-85	358	24	be	be	AUX
arjefm-85	358	25	privileged	privileged	ADJ
arjefm-85	358	26	.	.	PUNCT
arjefm-85	359	1	specially	specially	ADV
arjefm-85	359	2	,	,	PUNCT
arjefm-85	359	3	cobac	cobac	PROPN
arjefm-85	359	4	should	should	AUX
arjefm-85	359	5	look	look	VERB
arjefm-85	359	6	at	at	ADP
arjefm-85	359	7	the	the	DET
arjefm-85	359	8	link	link	NOUN
arjefm-85	359	9	between	between	ADP
arjefm-85	359	10	banks	bank	NOUN
arjefm-85	359	11	and	and	CCONJ
arjefm-85	359	12	insurance	insurance	NOUN
arjefm-85	359	13	companies	company	NOUN
arjefm-85	359	14	and	and	CCONJ
arjefm-85	359	15	address	address	VERB
arjefm-85	359	16	step	step	NOUN
arjefm-85	359	17	-	-	PUNCT
arjefm-85	359	18	in	in	ADP
arjefm-85	359	19	risk	risk	NOUN
arjefm-85	359	20	.	.	PUNCT
arjefm-85	360	1	furthermore	furthermore	ADV
arjefm-85	360	2	,	,	PUNCT
arjefm-85	360	3	cobac	cobac	NOUN
arjefm-85	360	4	should	should	AUX
arjefm-85	360	5	also	also	ADV
arjefm-85	360	6	develop	develop	VERB
arjefm-85	360	7	policies	policy	NOUN
arjefm-85	360	8	aiming	aim	VERB
arjefm-85	360	9	to	to	PART
arjefm-85	360	10	scrutinize	scrutinize	VERB
arjefm-85	360	11	more	more	ADV
arjefm-85	360	12	deeply	deeply	ADV
arjefm-85	360	13	what	what	PRON
arjefm-85	360	14	bankers	banker	NOUN
arjefm-85	360	15	do	do	VERB
arjefm-85	360	16	and	and	CCONJ
arjefm-85	360	17	examine	examine	VERB
arjefm-85	360	18	individual	individual	ADJ
arjefm-85	360	19	transactions	transaction	NOUN
arjefm-85	360	20	to	to	PART
arjefm-85	360	21	see	see	VERB
arjefm-85	360	22	whether	whether	SCONJ
arjefm-85	360	23	they	they	PRON
arjefm-85	360	24	might	might	AUX
arjefm-85	360	25	be	be	AUX
arjefm-85	360	26	an	an	DET
arjefm-85	360	27	attempt	attempt	NOUN
arjefm-85	360	28	to	to	PART
arjefm-85	360	29	play	play	VERB
arjefm-85	360	30	by	by	ADP
arjefm-85	360	31	the	the	DET
arjefm-85	360	32	rule	rule	NOUN
arjefm-85	360	33	.	.	PUNCT
arjefm-85	361	1	there	there	PRON
arjefm-85	361	2	are	be	VERB
arjefm-85	361	3	some	some	DET
arjefm-85	361	4	limitations	limitation	NOUN
arjefm-85	361	5	of	of	ADP
arjefm-85	361	6	this	this	DET
arjefm-85	361	7	paper	paper	NOUN
arjefm-85	361	8	that	that	PRON
arjefm-85	361	9	need	need	VERB
arjefm-85	361	10	to	to	PART
arjefm-85	361	11	be	be	AUX
arjefm-85	361	12	improved	improve	VERB
arjefm-85	361	13	in	in	ADP
arjefm-85	361	14	future	future	ADJ
arjefm-85	361	15	research	research	NOUN
arjefm-85	361	16	.	.	PUNCT
arjefm-85	362	1	first	first	ADV
arjefm-85	362	2	,	,	PUNCT
arjefm-85	362	3	the	the	DET
arjefm-85	362	4	analysis	analysis	NOUN
arjefm-85	362	5	period	period	NOUN
arjefm-85	362	6	is	be	AUX
arjefm-85	362	7	too	too	ADV
arjefm-85	362	8	short	short	ADJ
arjefm-85	362	9	;	;	PUNCT
arjefm-85	362	10	it	it	PRON
arjefm-85	362	11	should	should	AUX
arjefm-85	362	12	be	be	AUX
arjefm-85	362	13	extended	extend	VERB
arjefm-85	362	14	.	.	PUNCT
arjefm-85	363	1	also	also	ADV
arjefm-85	363	2	the	the	DET
arjefm-85	363	3	sample	sample	NOUN
arjefm-85	363	4	is	be	AUX
arjefm-85	363	5	limited	limited	ADJ
arjefm-85	363	6	.	.	PUNCT
arjefm-85	364	1	it	it	PRON
arjefm-85	364	2	can	can	AUX
arjefm-85	364	3	be	be	AUX
arjefm-85	364	4	extended	extend	VERB
arjefm-85	364	5	to	to	ADP
arjefm-85	364	6	cemac	cemac	VERB
arjefm-85	364	7	countries	country	NOUN
arjefm-85	364	8	.	.	PUNCT
arjefm-85	365	1	secondly	secondly	ADV
arjefm-85	365	2	,	,	PUNCT
arjefm-85	365	3	an	an	DET
arjefm-85	365	4	analysis	analysis	NOUN
arjefm-85	365	5	at	at	ADP
arjefm-85	365	6	the	the	DET
arjefm-85	365	7	macro	macro	NOUN
arjefm-85	365	8	-	-	NOUN
arjefm-85	365	9	level	level	NOUN
arjefm-85	365	10	might	might	AUX
arjefm-85	365	11	help	help	VERB
arjefm-85	365	12	taking	take	VERB
arjefm-85	365	13	into	into	ADP
arjefm-85	365	14	account	account	NOUN
arjefm-85	365	15	many	many	ADJ
arjefm-85	365	16	economic	economic	ADJ
arjefm-85	365	17	environmental	environmental	ADJ
arjefm-85	365	18	variables	variable	NOUN
arjefm-85	365	19	not	not	PART
arjefm-85	365	20	considered	consider	VERB
arjefm-85	365	21	in	in	ADP
arjefm-85	365	22	this	this	DET
arjefm-85	365	23	study	study	NOUN
arjefm-85	365	24	.	.	PUNCT
arjefm-85	366	1	finally	finally	ADV
arjefm-85	366	2	,	,	PUNCT
arjefm-85	366	3	future	future	ADJ
arjefm-85	366	4	researches	research	NOUN
arjefm-85	366	5	might	might	AUX
arjefm-85	366	6	take	take	VERB
arjefm-85	366	7	into	into	ADP
arjefm-85	366	8	consideration	consideration	NOUN
arjefm-85	366	9	bank	bank	NOUN
arjefm-85	366	10	capital	capital	NOUN
arjefm-85	366	11	structure	structure	NOUN
arjefm-85	366	12	as	as	SCONJ
arjefm-85	366	13	the	the	DET
arjefm-85	366	14	literature	literature	NOUN
arjefm-85	366	15	suggests	suggest	VERB
arjefm-85	366	16	significant	significant	ADJ
arjefm-85	366	17	relationships	relationship	NOUN
arjefm-85	366	18	with	with	ADP
arjefm-85	366	19	bank	bank	NOUN
arjefm-85	366	20	efficiency	efficiency	NOUN
arjefm-85	366	21	or	or	CCONJ
arjefm-85	366	22	ba	ba	NOUN
arjefm-85	366	23	conflict	conflict	NOUN
arjefm-85	366	24	of	of	ADP
arjefm-85	366	25	interests	interest	NOUN
arjefm-85	366	26	the	the	DET
arjefm-85	366	27	authors	author	NOUN
arjefm-85	366	28	have	have	AUX
arjefm-85	366	29	not	not	PART
arjefm-85	366	30	declared	declare	VERB
arjefm-85	366	31	any	any	DET
arjefm-85	366	32	conflict	conflict	NOUN
arjefm-85	366	33	of	of	ADP
arjefm-85	366	34	interests	interest	NOUN
arjefm-85	366	35	.	.	PUNCT
arjefm-85	367	1	references	reference	NOUN
arjefm-85	367	2	abbas	abbas	PROPN
arjefm-85	367	3	f	f	PROPN
arjefm-85	367	4	,	,	PUNCT
arjefm-85	367	5	ali	ali	PROPN
arjefm-85	367	6	s	s	PROPN
arjefm-85	367	7	,	,	PUNCT
arjefm-85	367	8	moudud	moudud	PROPN
arjefm-85	367	9	-	-	PUNCT
arjefm-85	367	10	ul	ul	INTJ
arjefm-85	367	11	-	-	PUNCT
arjefm-85	367	12	huq	huq	PROPN
arjefm-85	367	13	s	s	PROPN
arjefm-85	367	14	,	,	PUNCT
arjefm-85	367	15	naveed	naveed	PROPN
arjefm-85	367	16	m	m	PROPN
arjefm-85	367	17	(	(	PUNCT
arjefm-85	367	18	2021	2021	NUM
arjefm-85	367	19	)	)	PUNCT
arjefm-85	367	20	.	.	PUNCT
arjefm-85	368	1	nexus	nexus	NOUN
arjefm-85	368	2	between	between	ADP
arjefm-85	368	3	bank	bank	NOUN
arjefm-85	368	4	capital	capital	NOUN
arjefm-85	368	5	and	and	CCONJ
arjefm-85	368	6	risk	risk	NOUN
arjefm-85	368	7	-	-	PUNCT
arjefm-85	368	8	taking	take	VERB
arjefm-85	368	9	behaviour	behaviour	NOUN
arjefm-85	368	10	:	:	PUNCT
arjefm-85	368	11	empirical	empirical	ADJ
arjefm-85	368	12	evidence	evidence	NOUN
arjefm-85	368	13	from	from	ADP
arjefm-85	368	14	us	we	PRON
arjefm-85	368	15	commercial	commercial	ADJ
arjefm-85	368	16	banks	bank	NOUN
arjefm-85	368	17	.	.	PUNCT
arjefm-85	369	1	cogent	cogent	ADJ
arjefm-85	369	2	business	business	NOUN
arjefm-85	369	3	and	and	CCONJ
arjefm-85	369	4	management	management	NOUN
arjefm-85	369	5	8(1):1947557	8(1):1947557	PROPN
arjefm-85	369	6	.	.	PUNCT
arjefm-85	370	1	abedifar	abedifar	ADV
arjefm-85	370	2	p	p	X
arjefm-85	370	3	,	,	PUNCT
arjefm-85	370	4	molyneux	molyneux	PROPN
arjefm-85	370	5	p	p	PROPN
arjefm-85	370	6	,	,	PUNCT
arjefm-85	370	7	tarazi	tarazi	NOUN
arjefm-85	370	8	a	a	DET
arjefm-85	370	9	(	(	PUNCT
arjefm-85	370	10	2013	2013	NUM
arjefm-85	370	11	)	)	PUNCT
arjefm-85	370	12	.	.	PUNCT
arjefm-85	371	1	risk	risk	NOUN
arjefm-85	371	2	in	in	ADP
arjefm-85	371	3	islamic	islamic	ADJ
arjefm-85	371	4	banking	banking	NOUN
arjefm-85	371	5	.	.	PUNCT
arjefm-85	372	1	review	review	NOUN
arjefm-85	372	2	of	of	ADP
arjefm-85	372	3	finance	finance	NOUN
arjefm-85	372	4	17(6):2035	17(6):2035	NUM
arjefm-85	372	5	-	-	SYM
arjefm-85	372	6	2096	2096	NUM
arjefm-85	372	7	.	.	PUNCT
arjefm-85	373	1	aggarwal	aggarwal	NOUN
arjefm-85	373	2	r	r	PROPN
arjefm-85	373	3	,	,	PUNCT
arjefm-85	373	4	jacques	jacques	PROPN
arjefm-85	373	5	kt	kt	PROPN
arjefm-85	373	6	(	(	PUNCT
arjefm-85	373	7	1998	1998	NUM
arjefm-85	373	8	)	)	PUNCT
arjefm-85	373	9	.	.	PUNCT
arjefm-85	374	1	assessing	assess	VERB
arjefm-85	374	2	the	the	DET
arjefm-85	374	3	impact	impact	NOUN
arjefm-85	374	4	of	of	ADP
arjefm-85	374	5	prompt	prompt	ADJ
arjefm-85	374	6	corrective	corrective	ADJ
arjefm-85	374	7	action	action	NOUN
arjefm-85	374	8	on	on	ADP
arjefm-85	374	9	bank	bank	NOUN
arjefm-85	374	10	capital	capital	NOUN
arjefm-85	374	11	and	and	CCONJ
arjefm-85	374	12	risk	risk	NOUN
arjefm-85	374	13	.	.	PUNCT
arjefm-85	375	1	economic	economic	ADJ
arjefm-85	375	2	policy	policy	NOUN
arjefm-85	375	3	review	review	NOUN
arjefm-85	375	4	4(3	4(3	NUM
arjefm-85	375	5	)	)	PUNCT
arjefm-85	375	6	.	.	PUNCT
arjefm-85	376	1	aggarwal	aggarwal	NOUN
arjefm-85	376	2	r	r	PROPN
arjefm-85	376	3	,	,	PUNCT
arjefm-85	376	4	jacques	jacques	PROPN
arjefm-85	376	5	kt	kt	PROPN
arjefm-85	376	6	(	(	PUNCT
arjefm-85	376	7	2001	2001	NUM
arjefm-85	376	8	)	)	PUNCT
arjefm-85	376	9	.	.	PUNCT
arjefm-85	377	1	the	the	DET
arjefm-85	377	2	impact	impact	NOUN
arjefm-85	377	3	of	of	ADP
arjefm-85	377	4	fdicia	fdicia	NOUN
arjefm-85	377	5	and	and	CCONJ
arjefm-85	377	6	prompt	prompt	VERB
arjefm-85	377	7	corrective	corrective	ADJ
arjefm-85	377	8	action	action	NOUN
arjefm-85	377	9	on	on	ADP
arjefm-85	377	10	bank	bank	NOUN
arjefm-85	377	11	capital	capital	NOUN
arjefm-85	377	12	and	and	CCONJ
arjefm-85	377	13	risk	risk	NOUN
arjefm-85	377	14	:	:	PUNCT
arjefm-85	377	15	estimates	estimate	NOUN
arjefm-85	377	16	using	use	VERB
arjefm-85	377	17	a	a	DET
arjefm-85	377	18	simultaneous	simultaneous	ADJ
arjefm-85	377	19	equations	equation	NOUN
arjefm-85	377	20	model	model	NOUN
arjefm-85	377	21	.	.	PUNCT
arjefm-85	378	1	journal	journal	PROPN
arjefm-85	378	2	of	of	ADP
arjefm-85	378	3	banking	banking	NOUN
arjefm-85	378	4	and	and	CCONJ
arjefm-85	378	5	finance	finance	NOUN
arjefm-85	378	6	25(6):1139	25(6):1139	NUM
arjefm-85	378	7	-	-	SYM
arjefm-85	378	8	1160	1160	NUM
arjefm-85	378	9	.	.	PUNCT
arjefm-85	379	1	aigner	aigner	PROPN
arjefm-85	379	2	d	d	PROPN
arjefm-85	379	3	,	,	PUNCT
arjefm-85	379	4	lovell	lovell	PROPN
arjefm-85	379	5	cak	cak	PROPN
arjefm-85	379	6	,	,	PUNCT
arjefm-85	379	7	schmidt	schmidt	PROPN
arjefm-85	379	8	p	p	PROPN
arjefm-85	379	9	(	(	PUNCT
arjefm-85	379	10	1977	1977	NUM
arjefm-85	379	11	)	)	PUNCT
arjefm-85	379	12	.	.	PUNCT
arjefm-85	380	1	formulation	formulation	NOUN
arjefm-85	380	2	and	and	CCONJ
arjefm-85	380	3	estimation	estimation	NOUN
arjefm-85	380	4	of	of	ADP
arjefm-85	380	5	stochastic	stochastic	ADJ
arjefm-85	380	6	frontier	frontier	NOUN
arjefm-85	380	7	production	production	NOUN
arjefm-85	380	8	function	function	NOUN
arjefm-85	380	9	models	model	NOUN
arjefm-85	380	10	.	.	PUNCT
arjefm-85	381	1	journal	journal	NOUN
arjefm-85	381	2	of	of	ADP
arjefm-85	381	3	econometrics	econometrics	NOUN
arjefm-85	381	4	6(1):21	6(1):21	PROPN
arjefm-85	381	5	-	-	SYM
arjefm-85	381	6	37	37	NUM
arjefm-85	381	7	.	.	PUNCT
arjefm-85	382	1	altunbas	altunbas	PROPN
arjefm-85	382	2	y	y	PROPN
arjefm-85	382	3	,	,	PUNCT
arjefm-85	382	4	carbo	carbo	VERB
arjefm-85	382	5	s	s	PROPN
arjefm-85	382	6	,	,	PUNCT
arjefm-85	382	7	gardener	gardener	NOUN
arjefm-85	382	8	epm	epm	NOUN
arjefm-85	382	9	,	,	PUNCT
arjefm-85	382	10	molyneux	molyneux	PROPN
arjefm-85	382	11	p	p	PROPN
arjefm-85	382	12	(	(	PUNCT
arjefm-85	382	13	2007	2007	NUM
arjefm-85	382	14	)	)	PUNCT
arjefm-85	382	15	.	.	PUNCT
arjefm-85	383	1	examining	examine	VERB
arjefm-85	383	2	the	the	DET
arjefm-85	383	3	relationships	relationship	NOUN
arjefm-85	383	4	between	between	ADP
arjefm-85	383	5	capital	capital	NOUN
arjefm-85	383	6	,	,	PUNCT
arjefm-85	383	7	risk	risk	NOUN
arjefm-85	383	8	,	,	PUNCT
arjefm-85	383	9	and	and	CCONJ
arjefm-85	383	10	efficiency	efficiency	NOUN
arjefm-85	383	11	in	in	ADP
arjefm-85	383	12	european	european	ADJ
arjefm-85	383	13	banking	banking	NOUN
arjefm-85	383	14	.	.	PUNCT
arjefm-85	384	1	european	european	ADJ
arjefm-85	384	2	financial	financial	ADJ
arjefm-85	384	3	management	management	PROPN
arjefm-85	384	4	13(1):49	13(1):49	NUM
arjefm-85	384	5	-	-	SYM
arjefm-85	384	6	70	70	NUM
arjefm-85	384	7	.	.	PUNCT
arjefm-85	385	1	anginer	anginer	PROPN
arjefm-85	385	2	d	d	PROPN
arjefm-85	385	3	,	,	PUNCT
arjefm-85	385	4	demirguc	demirguc	PROPN
arjefm-85	385	5	-	-	PUNCT
arjefm-85	385	6	kunt	kunt	PROPN
arjefm-85	385	7	a	a	X
arjefm-85	385	8	(	(	PUNCT
arjefm-85	385	9	2014	2014	NUM
arjefm-85	385	10	)	)	PUNCT
arjefm-85	385	11	.	.	PUNCT
arjefm-85	386	1	bank	bank	NOUN
arjefm-85	386	2	capital	capital	NOUN
arjefm-85	386	3	and	and	CCONJ
arjefm-85	386	4	systemic	systemic	ADJ
arjefm-85	386	5	stability	stability	NOUN
arjefm-85	386	6	.	.	PUNCT
arjefm-85	387	1	world	world	PROPN
arjefm-85	387	2	bank	bank	PROPN
arjefm-85	387	3	policy	policy	NOUN
arjefm-85	387	4	research	research	NOUN
arjefm-85	387	5	working	working	NOUN
arjefm-85	387	6	paper	paper	NOUN
arjefm-85	387	7	(	(	PUNCT
arjefm-85	387	8	6948	6948	NUM
arjefm-85	387	9	)	)	PUNCT
arjefm-85	387	10	.	.	PUNCT
arjefm-85	388	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	389	1	advanced	advanced	ADJ
arjefm-85	389	2	journal	journal	NOUN
arjefm-85	389	3	of	of	ADP
arjefm-85	389	4	economics	economic	NOUN
arjefm-85	389	5	and	and	CCONJ
arjefm-85	389	6	business	business	NOUN
arjefm-85	389	7	research	research	NOUN
arjefm-85	389	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	389	9	,	,	PUNCT
arjefm-85	389	10	email	email	NOUN
arjefm-85	389	11	:	:	PUNCT
arjefm-85	389	12	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	390	1	64	64	NUM
arjefm-85	391	1	|	|	ADV
arjefm-85	391	2	p	p	NOUN
arjefm-85	391	3	a	a	DET
arjefm-85	391	4	g	g	NOUN
arjefm-85	391	5	e	e	NOUN
arjefm-85	391	6	avom	avom	NOUN
arjefm-85	391	7	d	d	PROPN
arjefm-85	391	8	,	,	PUNCT
arjefm-85	391	9	eyeffa	eyeffa	PROPN
arjefm-85	391	10	ekomo	ekomo	PROPN
arjefm-85	391	11	sml	sml	PROPN
arjefm-85	391	12	(	(	PUNCT
arjefm-85	391	13	2007	2007	NUM
arjefm-85	391	14	)	)	PUNCT
arjefm-85	391	15	.	.	PUNCT
arjefm-85	392	1	quinze	quinze	PROPN
arjefm-85	392	2	ans	ans	X
arjefm-85	392	3	de	de	PROPN
arjefm-85	392	4	restructuration	restructuration	PROPN
arjefm-85	392	5	bancaire	bancaire	PROPN
arjefm-85	392	6	dans	dans	PROPN
arjefm-85	392	7	la	la	X
arjefm-85	392	8	cemac	cemac	ADV
arjefm-85	392	9	:	:	PUNCT
arjefm-85	392	10	qu’avons	qu’avon	NOUN
arjefm-85	392	11	-	-	PUNCT
arjefm-85	392	12	nous	nous	ADJ
arjefm-85	392	13	appris	appris	NOUN
arjefm-85	392	14	?	?	PUNCT
arjefm-85	393	1	revue	revue	NOUN
arjefm-85	393	2	d’economie	d’economie	VERB
arjefm-85	393	3	financière	financière	PROPN
arjefm-85	393	4	89:183	89:183	NUM
arjefm-85	393	5	-	-	SYM
arjefm-85	393	6	205	205	NUM
arjefm-85	393	7	.	.	PUNCT
arjefm-85	394	1	banker	banker	PROPN
arjefm-85	394	2	rd	rd	PROPN
arjefm-85	394	3	,	,	PUNCT
arjefm-85	394	4	chang	chang	PROPN
arjefm-85	394	5	h	h	PROPN
arjefm-85	394	6	,	,	PUNCT
arjefm-85	394	7	lee	lee	PROPN
arjefm-85	394	8	s	s	PROPN
arjefm-85	394	9	(	(	PUNCT
arjefm-85	394	10	2010	2010	NUM
arjefm-85	394	11	)	)	PUNCT
arjefm-85	394	12	.	.	PUNCT
arjefm-85	395	1	differential	differential	ADJ
arjefm-85	395	2	impact	impact	NOUN
arjefm-85	395	3	of	of	ADP
arjefm-85	395	4	korean	korean	ADJ
arjefm-85	395	5	banking	banking	NOUN
arjefm-85	395	6	system	system	NOUN
arjefm-85	395	7	reforms	reform	NOUN
arjefm-85	395	8	on	on	ADP
arjefm-85	395	9	bank	bank	NOUN
arjefm-85	395	10	productivity	productivity	NOUN
arjefm-85	395	11	.	.	PUNCT
arjefm-85	396	1	journal	journal	NOUN
arjefm-85	396	2	of	of	ADP
arjefm-85	396	3	banking	banking	NOUN
arjefm-85	396	4	and	and	CCONJ
arjefm-85	396	5	finance	finance	NOUN
arjefm-85	396	6	34(7):1450	34(7):1450	PROPN
arjefm-85	396	7	-	-	SYM
arjefm-85	396	8	1460	1460	NUM
arjefm-85	396	9	.	.	PUNCT
arjefm-85	397	1	barra	barra	PROPN
arjefm-85	397	2	c	c	PROPN
arjefm-85	397	3	,	,	PUNCT
arjefm-85	397	4	zotti	zotti	PROPN
arjefm-85	397	5	r	r	NOUN
arjefm-85	397	6	(	(	PUNCT
arjefm-85	397	7	2018	2018	NUM
arjefm-85	397	8	)	)	PUNCT
arjefm-85	397	9	.	.	PUNCT
arjefm-85	398	1	bank	bank	NOUN
arjefm-85	398	2	performance	performance	NOUN
arjefm-85	398	3	,	,	PUNCT
arjefm-85	398	4	financial	financial	ADJ
arjefm-85	398	5	stability	stability	NOUN
arjefm-85	398	6	and	and	CCONJ
arjefm-85	398	7	market	market	NOUN
arjefm-85	398	8	concentration	concentration	NOUN
arjefm-85	398	9	:	:	PUNCT
arjefm-85	398	10	evidence	evidence	NOUN
arjefm-85	398	11	from	from	ADP
arjefm-85	398	12	cooperative	cooperative	ADJ
arjefm-85	398	13	banks	bank	NOUN
arjefm-85	398	14	.	.	PUNCT
arjefm-85	399	1	annals	annal	NOUN
arjefm-85	399	2	of	of	ADP
arjefm-85	399	3	public	public	ADJ
arjefm-85	399	4	cooperatives	cooperative	NOUN
arjefm-85	399	5	analysis	analysis	NOUN
arjefm-85	399	6	90:103	90:103	NUM
arjefm-85	399	7	-	-	SYM
arjefm-85	399	8	139	139	NUM
arjefm-85	399	9	.	.	PUNCT
arjefm-85	400	1	bashir	bashir	PROPN
arjefm-85	400	2	a	a	PROPN
arjefm-85	400	3	,	,	PUNCT
arjefm-85	400	4	hassan	hassan	PROPN
arjefm-85	400	5	a	a	PRON
arjefm-85	400	6	(	(	PUNCT
arjefm-85	400	7	2017	2017	NUM
arjefm-85	400	8	)	)	PUNCT
arjefm-85	400	9	.	.	PUNCT
arjefm-85	401	1	interrelationship	interrelationship	NOUN
arjefm-85	401	2	among	among	ADP
arjefm-85	401	3	basle	basle	PROPN
arjefm-85	401	4	capital	capital	NOUN
arjefm-85	401	5	regulation	regulation	PROPN
arjefm-85	401	6	,	,	PUNCT
arjefm-85	401	7	risk	risk	NOUN
arjefm-85	401	8	and	and	CCONJ
arjefm-85	401	9	efficiency	efficiency	NOUN
arjefm-85	401	10	in	in	ADP
arjefm-85	401	11	pakistani	pakistani	ADJ
arjefm-85	401	12	commercial	commercial	ADJ
arjefm-85	401	13	banks	bank	NOUN
arjefm-85	401	14	.	.	PUNCT
arjefm-85	402	1	business	business	NOUN
arjefm-85	402	2	economic	economic	PROPN
arjefm-85	402	3	review	review	PROPN
arjefm-85	402	4	9:165	9:165	NUM
arjefm-85	402	5	-	-	SYM
arjefm-85	402	6	186	186	NUM
arjefm-85	402	7	.	.	PUNCT
arjefm-85	403	1	barth	barth	PROPN
arjefm-85	403	2	jr	jr	PROPN
arjefm-85	403	3	,	,	PUNCT
arjefm-85	403	4	lin	lin	PROPN
arjefm-85	403	5	c	c	PROPN
arjefm-85	403	6	,	,	PUNCT
arjefm-85	403	7	ma	ma	PROPN
arjefm-85	403	8	y	y	PROPN
arjefm-85	403	9	,	,	PUNCT
arjefm-85	403	10	seade	seade	VERB
arjefm-85	403	11	j	j	NOUN
arjefm-85	403	12	,	,	PUNCT
arjefm-85	403	13	song	song	NOUN
arjefm-85	403	14	f	f	PROPN
arjefm-85	403	15	(	(	PUNCT
arjefm-85	403	16	2013	2013	NUM
arjefm-85	403	17	)	)	PUNCT
arjefm-85	403	18	.	.	PUNCT
arjefm-85	404	1	do	do	VERB
arjefm-85	404	2	bank	bank	NOUN
arjefm-85	404	3	regulation	regulation	NOUN
arjefm-85	404	4	,	,	PUNCT
arjefm-85	404	5	supervision	supervision	NOUN
arjefm-85	404	6	,	,	PUNCT
arjefm-85	404	7	and	and	CCONJ
arjefm-85	404	8	monitoring	monitoring	NOUN
arjefm-85	404	9	enhance	enhance	VERB
arjefm-85	404	10	or	or	CCONJ
arjefm-85	404	11	impede	impede	VERB
arjefm-85	404	12	bank	bank	NOUN
arjefm-85	404	13	efficiency	efficiency	NOUN
arjefm-85	404	14	?	?	PUNCT
arjefm-85	405	1	journal	journal	NOUN
arjefm-85	405	2	of	of	ADP
arjefm-85	405	3	banking	banking	NOUN
arjefm-85	405	4	and	and	CCONJ
arjefm-85	405	5	finance	finance	NOUN
arjefm-85	405	6	37(8):2879	37(8):2879	NUM
arjefm-85	405	7	-	-	SYM
arjefm-85	405	8	2892	2892	NUM
arjefm-85	405	9	.	.	PUNCT
arjefm-85	406	1	berger	berger	PROPN
arjefm-85	406	2	an	an	DET
arjefm-85	406	3	,	,	PUNCT
arjefm-85	406	4	de	de	X
arjefm-85	406	5	young	young	ADJ
arjefm-85	406	6	r	r	NOUN
arjefm-85	406	7	(	(	PUNCT
arjefm-85	406	8	1997	1997	NUM
arjefm-85	406	9	)	)	PUNCT
arjefm-85	406	10	.	.	PUNCT
arjefm-85	407	1	problem	problem	NOUN
arjefm-85	407	2	loans	loan	NOUN
arjefm-85	407	3	and	and	CCONJ
arjefm-85	407	4	cost	cost	NOUN
arjefm-85	407	5	efficiency	efficiency	NOUN
arjefm-85	407	6	in	in	ADP
arjefm-85	407	7	commercial	commercial	ADJ
arjefm-85	407	8	banking	banking	NOUN
arjefm-85	407	9	.	.	PUNCT
arjefm-85	408	1	journal	journal	PROPN
arjefm-85	408	2	of	of	ADP
arjefm-85	408	3	banking	banking	NOUN
arjefm-85	408	4	and	and	CCONJ
arjefm-85	408	5	finance	finance	NOUN
arjefm-85	408	6	21:849	21:849	NOUN
arjefm-85	408	7	-	-	PUNCT
arjefm-85	408	8	870	870	NUM
arjefm-85	408	9	.	.	PUNCT
arjefm-85	409	1	berger	berger	PROPN
arjefm-85	409	2	an	an	PROPN
arjefm-85	409	3	,	,	PUNCT
arjefm-85	409	4	di	di	PROPN
arjefm-85	409	5	patti	patti	PROPN
arjefm-85	409	6	eb	eb	PROPN
arjefm-85	409	7	(	(	PUNCT
arjefm-85	409	8	2006	2006	NUM
arjefm-85	409	9	)	)	PUNCT
arjefm-85	409	10	.	.	PUNCT
arjefm-85	410	1	capital	capital	NOUN
arjefm-85	410	2	structure	structure	NOUN
arjefm-85	410	3	and	and	CCONJ
arjefm-85	410	4	firm	firm	ADJ
arjefm-85	410	5	performance	performance	NOUN
arjefm-85	410	6	a	a	DET
arjefm-85	410	7	new	new	ADJ
arjefm-85	410	8	approach	approach	NOUN
arjefm-85	410	9	to	to	ADP
arjefm-85	410	10	testing	testing	NOUN
arjefm-85	410	11	agency	agency	NOUN
arjefm-85	410	12	theory	theory	NOUN
arjefm-85	410	13	and	and	CCONJ
arjefm-85	410	14	an	an	DET
arjefm-85	410	15	application	application	NOUN
arjefm-85	410	16	to	to	ADP
arjefm-85	410	17	banking	banking	NOUN
arjefm-85	410	18	industry	industry	NOUN
arjefm-85	410	19	journal	journal	NOUN
arjefm-85	410	20	of	of	ADP
arjefm-85	410	21	banking	banking	NOUN
arjefm-85	410	22	and	and	CCONJ
arjefm-85	410	23	finance	finance	NOUN
arjefm-85	410	24	30:10651102	30:10651102	NUM
arjefm-85	410	25	.	.	PUNCT
arjefm-85	411	1	bitar	bitar	PROPN
arjefm-85	411	2	m	m	PROPN
arjefm-85	411	3	,	,	PUNCT
arjefm-85	411	4	pukthuanthong	pukthuanthong	PROPN
arjefm-85	411	5	k	k	PROPN
arjefm-85	411	6	,	,	PUNCT
arjefm-85	411	7	walker	walker	PROPN
arjefm-85	411	8	t	t	PROPN
arjefm-85	411	9	(	(	PUNCT
arjefm-85	411	10	2018	2018	NUM
arjefm-85	411	11	)	)	PUNCT
arjefm-85	411	12	.	.	PUNCT
arjefm-85	412	1	the	the	DET
arjefm-85	412	2	effect	effect	NOUN
arjefm-85	412	3	of	of	ADP
arjefm-85	412	4	capital	capital	NOUN
arjefm-85	412	5	ratios	ratio	NOUN
arjefm-85	412	6	on	on	ADP
arjefm-85	412	7	the	the	DET
arjefm-85	412	8	risk	risk	NOUN
arjefm-85	412	9	,	,	PUNCT
arjefm-85	412	10	efficiency	efficiency	NOUN
arjefm-85	412	11	and	and	CCONJ
arjefm-85	412	12	profitability	profitability	NOUN
arjefm-85	412	13	of	of	ADP
arjefm-85	412	14	banks	bank	NOUN
arjefm-85	412	15	:	:	PUNCT
arjefm-85	412	16	evidence	evidence	NOUN
arjefm-85	412	17	from	from	ADP
arjefm-85	412	18	oecd	oecd	PROPN
arjefm-85	412	19	countries	country	NOUN
arjefm-85	412	20	.	.	PUNCT
arjefm-85	413	1	journal	journal	PROPN
arjefm-85	413	2	of	of	ADP
arjefm-85	413	3	international	international	ADJ
arjefm-85	413	4	financial	financial	ADJ
arjefm-85	413	5	markets	market	NOUN
arjefm-85	413	6	,	,	PUNCT
arjefm-85	413	7	institutions	institution	NOUN
arjefm-85	413	8	and	and	CCONJ
arjefm-85	413	9	money	money	NOUN
arjefm-85	413	10	53:227	53:227	NUM
arjefm-85	413	11	-	-	SYM
arjefm-85	413	12	262	262	NUM
arjefm-85	413	13	.	.	PUNCT
arjefm-85	414	1	blum	blum	PROPN
arjefm-85	414	2	j	j	PROPN
arjefm-85	414	3	(	(	PUNCT
arjefm-85	414	4	1999	1999	NUM
arjefm-85	414	5	)	)	PUNCT
arjefm-85	414	6	.	.	PUNCT
arjefm-85	415	1	do	do	AUX
arjefm-85	415	2	capital	capital	NOUN
arjefm-85	415	3	adequacy	adequacy	NOUN
arjefm-85	415	4	requirements	requirement	NOUN
arjefm-85	415	5	reduce	reduce	VERB
arjefm-85	415	6	risk	risk	NOUN
arjefm-85	415	7	taking	take	VERB
arjefm-85	415	8	in	in	ADP
arjefm-85	415	9	banking	banking	NOUN
arjefm-85	415	10	?	?	PUNCT
arjefm-85	416	1	journal	journal	NOUN
arjefm-85	416	2	of	of	ADP
arjefm-85	416	3	banking	banking	NOUN
arjefm-85	416	4	and	and	CCONJ
arjefm-85	416	5	finance	finance	NOUN
arjefm-85	416	6	23(5):755	23(5):755	NOUN
arjefm-85	416	7	-	-	SYM
arjefm-85	416	8	771	771	NUM
arjefm-85	416	9	.	.	PUNCT
arjefm-85	417	1	calem	calem	PROPN
arjefm-85	417	2	p	p	X
arjefm-85	417	3	,	,	PUNCT
arjefm-85	417	4	rob	rob	PROPN
arjefm-85	417	5	r	r	PROPN
arjefm-85	417	6	(	(	PUNCT
arjefm-85	417	7	1999	1999	NUM
arjefm-85	417	8	)	)	PUNCT
arjefm-85	417	9	.	.	PUNCT
arjefm-85	418	1	the	the	DET
arjefm-85	418	2	impact	impact	NOUN
arjefm-85	418	3	of	of	ADP
arjefm-85	418	4	capitalbased	capitalbase	VERB
arjefm-85	418	5	regulation	regulation	NOUN
arjefm-85	418	6	on	on	ADP
arjefm-85	418	7	bank	bank	NOUN
arjefm-85	418	8	risk	risk	NOUN
arjefm-85	418	9	taking	taking	NOUN
arjefm-85	418	10	.	.	PUNCT
arjefm-85	419	1	journal	journal	PROPN
arjefm-85	419	2	of	of	ADP
arjefm-85	419	3	financial	financial	ADJ
arjefm-85	419	4	intermediation	intermediation	NOUN
arjefm-85	419	5	8(4):317	8(4):317	NUM
arjefm-85	419	6	-	-	SYM
arjefm-85	419	7	352	352	NUM
arjefm-85	419	8	.	.	PUNCT
arjefm-85	420	1	coelli	coelli	PROPN
arjefm-85	420	2	tj	tj	PROPN
arjefm-85	420	3	(	(	PUNCT
arjefm-85	420	4	1996	1996	NUM
arjefm-85	420	5	)	)	PUNCT
arjefm-85	420	6	.	.	PUNCT
arjefm-85	421	1	a	a	DET
arjefm-85	421	2	guide	guide	NOUN
arjefm-85	421	3	to	to	ADP
arjefm-85	421	4	frontier	frontier	NOUN
arjefm-85	421	5	version	version	NOUN
arjefm-85	421	6	4.1	4.1	NUM
arjefm-85	421	7	:	:	PUNCT
arjefm-85	421	8	a	a	DET
arjefm-85	421	9	computer	computer	NOUN
arjefm-85	421	10	program	program	NOUN
arjefm-85	421	11	for	for	ADP
arjefm-85	421	12	stochastic	stochastic	ADJ
arjefm-85	421	13	frontier	frontier	NOUN
arjefm-85	421	14	production	production	NOUN
arjefm-85	421	15	and	and	CCONJ
arjefm-85	421	16	cost	cost	NOUN
arjefm-85	421	17	function	function	NOUN
arjefm-85	421	18	estimation	estimation	NOUN
arjefm-85	421	19	.	.	PUNCT
arjefm-85	422	1	cepa	cepa	NOUN
arjefm-85	422	2	working	working	NOUN
arjefm-85	422	3	paper	paper	NOUN
arjefm-85	422	4	no	no	INTJ
arjefm-85	422	5	.	.	PROPN
arjefm-85	423	1	7/96	7/96	NUM
arjefm-85	423	2	,	,	PUNCT
arjefm-85	423	3	department	department	NOUN
arjefm-85	423	4	of	of	ADP
arjefm-85	423	5	econometrics	econometric	NOUN
arjefm-85	423	6	,	,	PUNCT
arjefm-85	423	7	university	university	NOUN
arjefm-85	423	8	of	of	ADP
arjefm-85	423	9	new	new	PROPN
arjefm-85	423	10	england	england	PROPN
arjefm-85	423	11	,	,	PUNCT
arjefm-85	423	12	armadale	armadale	PROPN
arjefm-85	423	13	.	.	PUNCT
arjefm-85	424	1	deelchand	deelchand	PROPN
arjefm-85	424	2	t	t	PROPN
arjefm-85	424	3	,	,	PUNCT
arjefm-85	424	4	padgett	padgett	PROPN
arjefm-85	424	5	c	c	PROPN
arjefm-85	424	6	(	(	PUNCT
arjefm-85	424	7	2009	2009	NUM
arjefm-85	424	8	)	)	PUNCT
arjefm-85	424	9	the	the	DET
arjefm-85	424	10	relationship	relationship	NOUN
arjefm-85	424	11	between	between	ADP
arjefm-85	424	12	risk	risk	NOUN
arjefm-85	424	13	,	,	PUNCT
arjefm-85	424	14	capital	capital	NOUN
arjefm-85	424	15	and	and	CCONJ
arjefm-85	424	16	efficiency	efficiency	NOUN
arjefm-85	424	17	:	:	PUNCT
arjefm-85	424	18	evidence	evidence	NOUN
arjefm-85	424	19	from	from	ADP
arjefm-85	424	20	japanese	japanese	ADJ
arjefm-85	424	21	cooperative	cooperative	ADJ
arjefm-85	424	22	banks.ssrn	banks.ssrn	PROPN
arjefm-85	424	23	electronic	electronic	ADJ
arjefm-85	424	24	journal	journal	NOUN
arjefm-85	424	25	.	.	PUNCT
arjefm-85	425	1	djalilov	djalilov	PROPN
arjefm-85	426	1	k	k	NOUN
arjefm-85	426	2	,	,	PUNCT
arjefm-85	426	3	piesse	piesse	ADP
arjefm-85	426	4	j	j	PROPN
arjefm-85	426	5	(	(	PUNCT
arjefm-85	426	6	2019	2019	NUM
arjefm-85	426	7	)	)	PUNCT
arjefm-85	426	8	.	.	PUNCT
arjefm-85	427	1	bank	bank	NOUN
arjefm-85	427	2	regulation	regulation	NOUN
arjefm-85	427	3	and	and	CCONJ
arjefm-85	427	4	efficiency	efficiency	NOUN
arjefm-85	427	5	:	:	PUNCT
arjefm-85	427	6	evidence	evidence	NOUN
arjefm-85	427	7	from	from	ADP
arjefm-85	427	8	transition	transition	NOUN
arjefm-85	427	9	countries	country	NOUN
arjefm-85	427	10	.	.	PUNCT
arjefm-85	428	1	international	international	ADJ
arjefm-85	428	2	review	review	NOUN
arjefm-85	428	3	of	of	ADP
arjefm-85	428	4	economics	economic	NOUN
arjefm-85	428	5	and	and	CCONJ
arjefm-85	428	6	finance	finance	NOUN
arjefm-85	428	7	64:308	64:308	PROPN
arjefm-85	428	8	-	-	SYM
arjefm-85	428	9	322	322	NUM
arjefm-85	428	10	.	.	PUNCT
arjefm-85	429	1	ding	ding	PROPN
arjefm-85	429	2	d	d	PROPN
arjefm-85	429	3	,	,	PUNCT
arjefm-85	429	4	sickles	sickle	NOUN
arjefm-85	429	5	rc	rc	PROPN
arjefm-85	429	6	(	(	PUNCT
arjefm-85	429	7	2018	2018	NUM
arjefm-85	429	8	)	)	PUNCT
arjefm-85	429	9	.	.	PUNCT
arjefm-85	430	1	frontier	frontier	NOUN
arjefm-85	430	2	efficiency	efficiency	NOUN
arjefm-85	430	3	,	,	PUNCT
arjefm-85	430	4	capital	capital	NOUN
arjefm-85	430	5	structure	structure	NOUN
arjefm-85	430	6	and	and	CCONJ
arjefm-85	430	7	portfolio	portfolio	NOUN
arjefm-85	430	8	risk	risk	NOUN
arjefm-85	430	9	:	:	PUNCT
arjefm-85	430	10	an	an	DET
arjefm-85	430	11	empirical	empirical	ADJ
arjefm-85	430	12	analysis	analysis	NOUN
arjefm-85	430	13	of	of	ADP
arjefm-85	430	14	us	us	PROPN
arjefm-85	430	15	banks	bank	NOUN
arjefm-85	430	16	.	.	PUNCT
arjefm-85	431	1	brq	brq	NOUN
arjefm-85	431	2	business	business	NOUN
arjefm-85	431	3	research	research	NOUN
arjefm-85	431	4	quarterly	quarterly	ADJ
arjefm-85	431	5	21(4):262	21(4):262	NOUN
arjefm-85	431	6	-	-	SYM
arjefm-85	431	7	277	277	NUM
arjefm-85	431	8	.	.	PUNCT
arjefm-85	432	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	433	1	advanced	advanced	ADJ
arjefm-85	433	2	journal	journal	NOUN
arjefm-85	433	3	of	of	ADP
arjefm-85	433	4	economics	economic	NOUN
arjefm-85	433	5	and	and	CCONJ
arjefm-85	433	6	business	business	NOUN
arjefm-85	433	7	research	research	NOUN
arjefm-85	433	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	433	9	,	,	PUNCT
arjefm-85	433	10	email	email	NOUN
arjefm-85	433	11	:	:	PUNCT
arjefm-85	433	12	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	434	1	65	65	NUM
arjefm-85	435	1	|	|	ADV
arjefm-85	435	2	p	p	NOUN
arjefm-85	435	3	a	a	DET
arjefm-85	435	4	g	g	NOUN
arjefm-85	435	5	e	e	NOUN
arjefm-85	435	6	fiordelisi	fiordelisi	NOUN
arjefm-85	435	7	f	f	PROPN
arjefm-85	435	8	,	,	PUNCT
arjefm-85	435	9	marques	marques	PROPN
arjefm-85	435	10	-	-	NOUN
arjefm-85	435	11	ibanez	ibanez	PROPN
arjefm-85	435	12	d	d	PROPN
arjefm-85	435	13	,	,	PUNCT
arjefm-85	435	14	molyneux	molyneux	PROPN
arjefm-85	435	15	p	p	PROPN
arjefm-85	435	16	(	(	PUNCT
arjefm-85	435	17	2011	2011	NUM
arjefm-85	435	18	)	)	PUNCT
arjefm-85	435	19	.	.	PUNCT
arjefm-85	436	1	efficiency	efficiency	NOUN
arjefm-85	436	2	and	and	CCONJ
arjefm-85	436	3	risk	risk	NOUN
arjefm-85	436	4	in	in	ADP
arjefm-85	436	5	european	european	ADJ
arjefm-85	436	6	banking	banking	NOUN
arjefm-85	436	7	.	.	PUNCT
arjefm-85	437	1	journal	journal	PROPN
arjefm-85	437	2	of	of	ADP
arjefm-85	437	3	banking	banking	NOUN
arjefm-85	437	4	and	and	CCONJ
arjefm-85	437	5	finance	finance	NOUN
arjefm-85	437	6	35(5):13151326	35(5):13151326	NUM
arjefm-85	437	7	.	.	PUNCT
arjefm-85	438	1	haque	haque	PROPN
arjefm-85	438	2	f	f	PROPN
arjefm-85	438	3	,	,	PUNCT
arjefm-85	438	4	brown	brown	PROPN
arjefm-85	438	5	k	k	PROPN
arjefm-85	438	6	(	(	PUNCT
arjefm-85	438	7	2017	2017	NUM
arjefm-85	438	8	)	)	PUNCT
arjefm-85	438	9	.	.	PUNCT
arjefm-85	439	1	bank	bank	NOUN
arjefm-85	439	2	ownership	ownership	NOUN
arjefm-85	439	3	,	,	PUNCT
arjefm-85	439	4	regulation	regulation	NOUN
arjefm-85	439	5	and	and	CCONJ
arjefm-85	439	6	efficiency	efficiency	NOUN
arjefm-85	439	7	perspectives	perspective	NOUN
arjefm-85	439	8	from	from	ADP
arjefm-85	439	9	middle	middle	PROPN
arjefm-85	439	10	east	east	PROPN
arjefm-85	439	11	and	and	CCONJ
arjefm-85	439	12	north	north	PROPN
arjefm-85	439	13	africa	africa	PROPN
arjefm-85	439	14	(	(	PUNCT
arjefm-85	439	15	mena	mena	PROPN
arjefm-85	439	16	)	)	PUNCT
arjefm-85	439	17	region	region	NOUN
arjefm-85	439	18	.	.	PUNCT
arjefm-85	440	1	international	international	ADJ
arjefm-85	440	2	review	review	NOUN
arjefm-85	440	3	of	of	ADP
arjefm-85	440	4	economics	economic	NOUN
arjefm-85	440	5	and	and	CCONJ
arjefm-85	440	6	finance	finance	NOUN
arjefm-85	440	7	47:273	47:273	NUM
arjefm-85	440	8	-	-	SYM
arjefm-85	440	9	293	293	NUM
arjefm-85	440	10	.	.	PUNCT
arjefm-85	441	1	hughes	hughes	PROPN
arjefm-85	441	2	jp	jp	PROPN
arjefm-85	441	3	,	,	PUNCT
arjefm-85	441	4	mester	mester	NOUN
arjefm-85	441	5	lj	lj	PROPN
arjefm-85	441	6	(	(	PUNCT
arjefm-85	441	7	1998	1998	NUM
arjefm-85	441	8	)	)	PUNCT
arjefm-85	441	9	.	.	PUNCT
arjefm-85	442	1	bank	bank	NOUN
arjefm-85	442	2	capitalization	capitalization	NOUN
arjefm-85	442	3	and	and	CCONJ
arjefm-85	442	4	cost	cost	NOUN
arjefm-85	442	5	:	:	PUNCT
arjefm-85	442	6	evidence	evidence	NOUN
arjefm-85	442	7	of	of	ADP
arjefm-85	442	8	scale	scale	NOUN
arjefm-85	442	9	economies	economy	NOUN
arjefm-85	442	10	in	in	ADP
arjefm-85	442	11	risk	risk	NOUN
arjefm-85	442	12	management	management	NOUN
arjefm-85	442	13	and	and	CCONJ
arjefm-85	442	14	signaling	signaling	NOUN
arjefm-85	442	15	.	.	PUNCT
arjefm-85	443	1	review	review	NOUN
arjefm-85	443	2	of	of	ADP
arjefm-85	443	3	economics	economic	NOUN
arjefm-85	443	4	and	and	CCONJ
arjefm-85	443	5	statistics	statistic	NOUN
arjefm-85	443	6	80(2):314	80(2):314	PROPN
arjefm-85	443	7	-	-	PUNCT
arjefm-85	443	8	325	325	NUM
arjefm-85	443	9	.	.	PUNCT
arjefm-85	444	1	hughes	hughes	PROPN
arjefm-85	444	2	jp	jp	PROPN
arjefm-85	444	3	,	,	PUNCT
arjefm-85	444	4	mester	mester	PROPN
arjefm-85	444	5	lj	lj	PROPN
arjefm-85	444	6	(	(	PUNCT
arjefm-85	444	7	2013	2013	NUM
arjefm-85	444	8	)	)	PUNCT
arjefm-85	444	9	.	.	PUNCT
arjefm-85	445	1	who	who	PRON
arjefm-85	445	2	said	say	VERB
arjefm-85	445	3	large	large	ADJ
arjefm-85	445	4	banks	bank	NOUN
arjefm-85	445	5	do	do	AUX
arjefm-85	445	6	n’t	not	PART
arjefm-85	445	7	experience	experience	VERB
arjefm-85	445	8	scale	scale	NOUN
arjefm-85	445	9	economies	economy	NOUN
arjefm-85	445	10	?	?	PUNCT
arjefm-85	446	1	evidence	evidence	NOUN
arjefm-85	446	2	from	from	ADP
arjefm-85	446	3	a	a	DET
arjefm-85	446	4	risk	risk	NOUN
arjefm-85	446	5	return	return	NOUN
arjefm-85	446	6	driven	drive	VERB
arjefm-85	446	7	cost	cost	NOUN
arjefm-85	446	8	function	function	NOUN
arjefm-85	446	9	.	.	PUNCT
arjefm-85	447	1	journal	journal	NOUN
arjefm-85	447	2	of	of	ADP
arjefm-85	447	3	financial	financial	ADJ
arjefm-85	447	4	intermediation	intermediation	NOUN
arjefm-85	447	5	22:559	22:559	NUM
arjefm-85	447	6	-	-	SYM
arjefm-85	447	7	585	585	NUM
arjefm-85	447	8	.	.	PUNCT
arjefm-85	448	1	imf	imf	PROPN
arjefm-85	448	2	(	(	PUNCT
arjefm-85	448	3	2018	2018	NUM
arjefm-85	448	4	)	)	PUNCT
arjefm-85	448	5	country	country	NOUN
arjefm-85	448	6	report	report	NOUN
arjefm-85	448	7	n	n	CCONJ
arjefm-85	448	8	°	°	NOUN
arjefm-85	448	9	18/235	18/235	NUM
arjefm-85	448	10	.	.	PUNCT
arjefm-85	448	11	https://www.imf.org//media/files/publications/cr/2018/cr18235.ashx	https://www.imf.org//media/files/publications/cr/2018/cr18235.ashx	PROPN
arjefm-85	448	12	jacques	jacques	PROPN
arjefm-85	448	13	k	k	PROPN
arjefm-85	448	14	,	,	PUNCT
arjefm-85	448	15	nigro	nigro	NOUN
arjefm-85	448	16	p	p	NOUN
arjefm-85	448	17	(	(	PUNCT
arjefm-85	448	18	1997	1997	NUM
arjefm-85	448	19	)	)	PUNCT
arjefm-85	448	20	.	.	PUNCT
arjefm-85	449	1	risk	risk	NOUN
arjefm-85	449	2	-	-	PUNCT
arjefm-85	449	3	based	base	VERB
arjefm-85	449	4	capital	capital	NOUN
arjefm-85	449	5	,	,	PUNCT
arjefm-85	449	6	portfolio	portfolio	NOUN
arjefm-85	449	7	risk	risk	NOUN
arjefm-85	449	8	,	,	PUNCT
arjefm-85	449	9	and	and	CCONJ
arjefm-85	449	10	bank	bank	NOUN
arjefm-85	449	11	capital	capital	NOUN
arjefm-85	449	12	:	:	PUNCT
arjefm-85	449	13	a	a	DET
arjefm-85	449	14	simultaneous	simultaneous	ADJ
arjefm-85	449	15	equations	equation	NOUN
arjefm-85	449	16	approach	approach	NOUN
arjefm-85	449	17	,	,	PUNCT
arjefm-85	449	18	journal	journal	NOUN
arjefm-85	449	19	of	of	ADP
arjefm-85	449	20	economics	economic	NOUN
arjefm-85	449	21	and	and	CCONJ
arjefm-85	449	22	business	business	NOUN
arjefm-85	449	23	49(6):533	49(6):533	NOUN
arjefm-85	449	24	-	-	PUNCT
arjefm-85	449	25	547	547	NUM
arjefm-85	449	26	.	.	PUNCT
arjefm-85	450	1	jiang	jiang	PROPN
arjefm-85	450	2	h	h	PROPN
arjefm-85	450	3	,	,	PUNCT
arjefm-85	450	4	zhang	zhang	PROPN
arjefm-85	450	5	j	j	PROPN
arjefm-85	450	6	,	,	PUNCT
arjefm-85	450	7	sun	sun	PROPN
arjefm-85	450	8	c	c	PROPN
arjefm-85	450	9	(	(	PUNCT
arjefm-85	450	10	2020	2020	NUM
arjefm-85	450	11	)	)	PUNCT
arjefm-85	450	12	.	.	PUNCT
arjefm-85	451	1	how	how	SCONJ
arjefm-85	451	2	does	do	AUX
arjefm-85	451	3	capital	capital	NOUN
arjefm-85	451	4	buffer	buffer	NOUN
arjefm-85	451	5	affect	affect	VERB
arjefm-85	451	6	bank	bank	NOUN
arjefm-85	451	7	risk	risk	NOUN
arjefm-85	451	8	-	-	PUNCT
arjefm-85	451	9	taking	taking	NOUN
arjefm-85	451	10	?	?	PUNCT
arjefm-85	452	1	new	new	ADJ
arjefm-85	452	2	evidence	evidence	NOUN
arjefm-85	452	3	from	from	ADP
arjefm-85	452	4	china	china	PROPN
arjefm-85	452	5	using	use	VERB
arjefm-85	452	6	quantile	quantile	ADJ
arjefm-85	452	7	regression	regression	NOUN
arjefm-85	452	8	.	.	PUNCT
arjefm-85	453	1	china	china	PROPN
arjefm-85	453	2	economic	economic	PROPN
arjefm-85	453	3	review	review	PROPN
arjefm-85	453	4	60:101300	60:101300	VERB
arjefm-85	453	5	.	.	PUNCT
arjefm-85	454	1	jokipii	jokipii	PROPN
arjefm-85	454	2	t	t	PROPN
arjefm-85	454	3	,	,	PUNCT
arjefm-85	454	4	milne	milne	PROPN
arjefm-85	454	5	a	a	PRON
arjefm-85	454	6	(	(	PUNCT
arjefm-85	454	7	2011	2011	NUM
arjefm-85	454	8	)	)	PUNCT
arjefm-85	454	9	.	.	PUNCT
arjefm-85	455	1	bank	bank	NOUN
arjefm-85	455	2	capital	capital	NOUN
arjefm-85	455	3	buffer	buffer	NOUN
arjefm-85	455	4	and	and	CCONJ
arjefm-85	455	5	risk	risk	NOUN
arjefm-85	455	6	adjustment	adjustment	NOUN
arjefm-85	455	7	decisions	decision	NOUN
arjefm-85	455	8	.	.	PUNCT
arjefm-85	456	1	journal	journal	NOUN
arjefm-85	456	2	of	of	ADP
arjefm-85	456	3	financial	financial	ADJ
arjefm-85	456	4	stability	stability	NOUN
arjefm-85	456	5	7(3):165	7(3):165	NUM
arjefm-85	456	6	-	-	SYM
arjefm-85	456	7	178	178	NUM
arjefm-85	456	8	.	.	PUNCT
arjefm-85	457	1	kabir	kabir	PROPN
arjefm-85	457	2	mn	mn	PROPN
arjefm-85	457	3	worthington	worthington	PROPN
arjefm-85	457	4	ac	ac	PROPN
arjefm-85	457	5	(	(	PUNCT
arjefm-85	457	6	2017	2017	NUM
arjefm-85	457	7	)	)	PUNCT
arjefm-85	457	8	.	.	PUNCT
arjefm-85	458	1	the	the	DET
arjefm-85	458	2	competition	competition	NOUN
arjefm-85	458	3	-	-	PUNCT
arjefm-85	458	4	stability	stability	NOUN
arjefm-85	458	5	/	/	SYM
arjefm-85	458	6	fragility	fragility	NOUN
arjefm-85	458	7	nexus	nexus	NOUN
arjefm-85	458	8	:	:	PUNCT
arjefm-85	458	9	a	a	DET
arjefm-85	458	10	comparative	comparative	ADJ
arjefm-85	458	11	analysis	analysis	NOUN
arjefm-85	458	12	of	of	ADP
arjefm-85	458	13	islamic	islamic	ADJ
arjefm-85	458	14	and	and	CCONJ
arjefm-85	458	15	conventional	conventional	ADJ
arjefm-85	458	16	banks	bank	NOUN
arjefm-85	458	17	international	international	ADJ
arjefm-85	458	18	.	.	PUNCT
arjefm-85	459	1	review	review	NOUN
arjefm-85	459	2	of	of	ADP
arjefm-85	459	3	financial	financial	ADJ
arjefm-85	459	4	analysis	analysis	NOUN
arjefm-85	459	5	50:111	50:111	NUM
arjefm-85	459	6	-	-	SYM
arjefm-85	459	7	128	128	NUM
arjefm-85	459	8	.	.	PUNCT
arjefm-85	460	1	kahane	kahane	NOUN
arjefm-85	460	2	y	y	PROPN
arjefm-85	460	3	(	(	PUNCT
arjefm-85	460	4	1977	1977	NUM
arjefm-85	460	5	)	)	PUNCT
arjefm-85	460	6	.	.	PUNCT
arjefm-85	461	1	capital	capital	NOUN
arjefm-85	461	2	adequacy	adequacy	NOUN
arjefm-85	461	3	and	and	CCONJ
arjefm-85	461	4	the	the	DET
arjefm-85	461	5	regulation	regulation	NOUN
arjefm-85	461	6	of	of	ADP
arjefm-85	461	7	financial	financial	ADJ
arjefm-85	461	8	intermediaries	intermediary	NOUN
arjefm-85	461	9	.	.	PUNCT
arjefm-85	462	1	journal	journal	NOUN
arjefm-85	462	2	of	of	ADP
arjefm-85	462	3	banking	banking	NOUN
arjefm-85	462	4	and	and	CCONJ
arjefm-85	462	5	finance	finance	NOUN
arjefm-85	462	6	1:207	1:207	PROPN
arjefm-85	462	7	-	-	SYM
arjefm-85	462	8	218	218	NUM
arjefm-85	462	9	.	.	PUNCT
arjefm-85	463	1	koehn	koehn	PROPN
arjefm-85	463	2	m	m	PROPN
arjefm-85	463	3	,	,	PUNCT
arjefm-85	463	4	santomero	santomero	VERB
arjefm-85	463	5	a	a	DET
arjefm-85	463	6	(	(	PUNCT
arjefm-85	463	7	1980	1980	NUM
arjefm-85	463	8	)	)	PUNCT
arjefm-85	463	9	.	.	PUNCT
arjefm-85	464	1	regulation	regulation	NOUN
arjefm-85	464	2	of	of	ADP
arjefm-85	464	3	bank	bank	NOUN
arjefm-85	464	4	capital	capital	NOUN
arjefm-85	464	5	and	and	CCONJ
arjefm-85	464	6	portfolio	portfolio	NOUN
arjefm-85	464	7	risk	risk	NOUN
arjefm-85	464	8	.	.	PUNCT
arjefm-85	465	1	journal	journal	NOUN
arjefm-85	465	2	of	of	ADP
arjefm-85	465	3	finance	finance	NOUN
arjefm-85	465	4	35(5):1235	35(5):1235	NUM
arjefm-85	465	5	-	-	SYM
arjefm-85	465	6	1244	1244	NUM
arjefm-85	465	7	.	.	PUNCT
arjefm-85	466	1	kolia	kolia	PROPN
arjefm-85	466	2	dl	dl	PROPN
arjefm-85	466	3	,	,	PUNCT
arjefm-85	466	4	papadopoulos	papadopoulos	PROPN
arjefm-85	466	5	s	s	X
arjefm-85	466	6	(	(	PUNCT
arjefm-85	466	7	2020	2020	NUM
arjefm-85	466	8	)	)	PUNCT
arjefm-85	466	9	.	.	PUNCT
arjefm-85	467	1	the	the	DET
arjefm-85	467	2	levels	level	NOUN
arjefm-85	467	3	of	of	ADP
arjefm-85	467	4	bank	bank	NOUN
arjefm-85	467	5	capital	capital	NOUN
arjefm-85	467	6	,	,	PUNCT
arjefm-85	467	7	risk	risk	NOUN
arjefm-85	467	8	and	and	CCONJ
arjefm-85	467	9	efficiency	efficiency	NOUN
arjefm-85	467	10	in	in	ADP
arjefm-85	467	11	the	the	DET
arjefm-85	467	12	eurozone	eurozone	NOUN
arjefm-85	467	13	and	and	CCONJ
arjefm-85	467	14	the	the	DET
arjefm-85	467	15	us	us	PROPN
arjefm-85	467	16	in	in	ADP
arjefm-85	467	17	the	the	DET
arjefm-85	467	18	aftermath	aftermath	NOUN
arjefm-85	467	19	of	of	ADP
arjefm-85	467	20	the	the	DET
arjefm-85	467	21	financial	financial	ADJ
arjefm-85	467	22	crisis	crisis	NOUN
arjefm-85	467	23	.	.	PUNCT
arjefm-85	468	1	quantitative	quantitative	ADJ
arjefm-85	468	2	finance	finance	NOUN
arjefm-85	468	3	and	and	CCONJ
arjefm-85	468	4	economics	economic	NOUN
arjefm-85	468	5	4(1):66	4(1):66	NUM
arjefm-85	468	6	-	-	SYM
arjefm-85	468	7	90	90	NUM
arjefm-85	468	8	.	.	PUNCT
arjefm-85	469	1	kwan	kwan	PROPN
arjefm-85	469	2	s	s	PROPN
arjefm-85	469	3	,	,	PUNCT
arjefm-85	469	4	eisenbeis	eisenbeis	NOUN
arjefm-85	469	5	ra	ra	PROPN
arjefm-85	469	6	(	(	PUNCT
arjefm-85	469	7	1997	1997	NUM
arjefm-85	469	8	)	)	PUNCT
arjefm-85	469	9	.	.	PUNCT
arjefm-85	470	1	bank	bank	NOUN
arjefm-85	470	2	risk	risk	NOUN
arjefm-85	470	3	,	,	PUNCT
arjefm-85	470	4	capitalization	capitalization	NOUN
arjefm-85	470	5	and	and	CCONJ
arjefm-85	470	6	operating	operating	NOUN
arjefm-85	470	7	efficiency	efficiency	NOUN
arjefm-85	470	8	,	,	PUNCT
arjefm-85	470	9	journal	journal	NOUN
arjefm-85	470	10	of	of	ADP
arjefm-85	470	11	financial	financial	ADJ
arjefm-85	470	12	services	service	NOUN
arjefm-85	470	13	research	research	NOUN
arjefm-85	470	14	12:117	12:117	NUM
arjefm-85	470	15	-	-	SYM
arjefm-85	470	16	131	131	NUM
arjefm-85	470	17	.	.	PUNCT
arjefm-85	471	1	le	le	PROPN
arjefm-85	471	2	t	t	PROPN
arjefm-85	471	3	(	(	PUNCT
arjefm-85	471	4	2018	2018	NUM
arjefm-85	471	5	)	)	PUNCT
arjefm-85	471	6	.	.	PUNCT
arjefm-85	472	1	bank	bank	NOUN
arjefm-85	472	2	risk	risk	NOUN
arjefm-85	472	3	,	,	PUNCT
arjefm-85	472	4	capitalization	capitalization	NOUN
arjefm-85	472	5	and	and	CCONJ
arjefm-85	472	6	technical	technical	ADJ
arjefm-85	472	7	efficiency	efficiency	NOUN
arjefm-85	472	8	in	in	ADP
arjefm-85	472	9	vietnamese	vietnamese	ADJ
arjefm-85	472	10	banking	banking	NOUN
arjefm-85	472	11	system	system	NOUN
arjefm-85	472	12	.	.	PUNCT
arjefm-85	473	1	australian	australian	ADJ
arjefm-85	473	2	accounting	accounting	NOUN
arjefm-85	473	3	and	and	CCONJ
arjefm-85	473	4	business	business	NOUN
arjefm-85	473	5	finance	finance	NOUN
arjefm-85	473	6	12(3):41	12(3):41	NUM
arjefm-85	473	7	-	-	SYM
arjefm-85	473	8	61	61	NUM
arjefm-85	473	9	.	.	PUNCT
arjefm-85	474	1	lee	lee	PROPN
arjefm-85	474	2	cc	cc	PROPN
arjefm-85	474	3	,	,	PUNCT
arjefm-85	474	4	hsieh	hsieh	PROPN
arjefm-85	474	5	mf	mf	X
arjefm-85	474	6	(	(	PUNCT
arjefm-85	474	7	2013	2013	NUM
arjefm-85	474	8	)	)	PUNCT
arjefm-85	474	9	.	.	PUNCT
arjefm-85	475	1	the	the	DET
arjefm-85	475	2	impact	impact	NOUN
arjefm-85	475	3	of	of	ADP
arjefm-85	475	4	bank	bank	NOUN
arjefm-85	475	5	capital	capital	NOUN
arjefm-85	475	6	on	on	ADP
arjefm-85	475	7	profitability	profitability	NOUN
arjefm-85	475	8	and	and	CCONJ
arjefm-85	475	9	risk	risk	NOUN
arjefm-85	475	10	in	in	ADP
arjefm-85	475	11	asian	asian	ADJ
arjefm-85	475	12	banking	banking	NOUN
arjefm-85	475	13	.	.	PUNCT
arjefm-85	476	1	journal	journal	PROPN
arjefm-85	476	2	of	of	ADP
arjefm-85	476	3	international	international	ADJ
arjefm-85	476	4	money	money	NOUN
arjefm-85	476	5	finance	finance	NOUN
arjefm-85	476	6	and	and	CCONJ
arjefm-85	476	7	banking	banking	NOUN
arjefm-85	476	8	32:251	32:251	PROPN
arjefm-85	476	9	-	-	SYM
arjefm-85	476	10	281	281	NUM
arjefm-85	476	11	.	.	PUNCT
arjefm-85	477	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	478	1	advanced	advanced	ADJ
arjefm-85	478	2	journal	journal	NOUN
arjefm-85	478	3	of	of	ADP
arjefm-85	478	4	economics	economic	NOUN
arjefm-85	478	5	and	and	CCONJ
arjefm-85	478	6	business	business	NOUN
arjefm-85	478	7	research	research	NOUN
arjefm-85	478	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	478	9	,	,	PUNCT
arjefm-85	478	10	email	email	NOUN
arjefm-85	478	11	:	:	PUNCT
arjefm-85	478	12	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	479	1	66	66	NUM
arjefm-85	480	1	|	|	ADV
arjefm-85	480	2	p	p	ADP
arjefm-85	480	3	a	a	DET
arjefm-85	480	4	g	g	NOUN
arjefm-85	480	5	e	e	PROPN
arjefm-85	480	6	matajesak	matajesak	PROPN
arjefm-85	480	7	m	m	PROPN
arjefm-85	480	8	,	,	PUNCT
arjefm-85	480	9	teply	teply	ADV
arjefm-85	480	10	p	p	X
arjefm-85	480	11	,	,	PUNCT
arjefm-85	480	12	cernohorsky	cernohorsky	PROPN
arjefm-85	480	13	j	j	PROPN
arjefm-85	480	14	(	(	PUNCT
arjefm-85	480	15	2009	2009	NUM
arjefm-85	480	16	)	)	PUNCT
arjefm-85	480	17	.	.	PUNCT
arjefm-85	481	1	the	the	DET
arjefm-85	481	2	impact	impact	NOUN
arjefm-85	481	3	of	of	ADP
arjefm-85	481	4	regulation	regulation	NOUN
arjefm-85	481	5	of	of	ADP
arjefm-85	481	6	banks	bank	NOUN
arjefm-85	481	7	in	in	ADP
arjefm-85	481	8	the	the	DET
arjefm-85	481	9	us	us	PROPN
arjefm-85	481	10	and	and	CCONJ
arjefm-85	481	11	the	the	DET
arjefm-85	481	12	ue15	ue15	PROPN
arjefm-85	481	13	countries	country	NOUN
arjefm-85	481	14	.	.	PUNCT
arjefm-85	482	1	ekonomie	ekonomie	VERB
arjefm-85	482	2	a	a	DET
arjefm-85	482	3	management	management	NOUN
arjefm-85	482	4	12(3):58	12(3):58	NUM
arjefm-85	482	5	-	-	SYM
arjefm-85	482	6	68	68	NUM
arjefm-85	482	7	.	.	PUNCT
arjefm-85	483	1	miah	miah	PROPN
arjefm-85	483	2	md	md	PROPN
arjefm-85	483	3	,	,	PUNCT
arjefm-85	483	4	sharmeen	sharmeen	PROPN
arjefm-85	483	5	k	k	PROPN
arjefm-85	483	6	(	(	PUNCT
arjefm-85	483	7	2015	2015	NUM
arjefm-85	483	8	)	)	PUNCT
arjefm-85	483	9	.	.	PUNCT
arjefm-85	484	1	relationship	relationship	NOUN
arjefm-85	484	2	between	between	ADP
arjefm-85	484	3	capital	capital	NOUN
arjefm-85	484	4	risk	risk	NOUN
arjefm-85	484	5	and	and	CCONJ
arjefm-85	484	6	efficiency	efficiency	NOUN
arjefm-85	484	7	:	:	PUNCT
arjefm-85	484	8	comparative	comparative	ADJ
arjefm-85	484	9	study	study	NOUN
arjefm-85	484	10	between	between	ADP
arjefm-85	484	11	islamic	islamic	ADJ
arjefm-85	484	12	and	and	CCONJ
arjefm-85	484	13	conventional	conventional	ADJ
arjefm-85	484	14	banks	bank	NOUN
arjefm-85	484	15	of	of	ADP
arjefm-85	484	16	bangladesh	bangladesh	PROPN
arjefm-85	484	17	.	.	PUNCT
arjefm-85	485	1	international	international	ADJ
arjefm-85	485	2	journal	journal	PROPN
arjefm-85	485	3	of	of	ADP
arjefm-85	485	4	islamic	islamic	ADJ
arjefm-85	485	5	and	and	CCONJ
arjefm-85	485	6	middle	middle	ADJ
arjefm-85	485	7	eastern	eastern	ADJ
arjefm-85	485	8	finance	finance	NOUN
arjefm-85	485	9	and	and	CCONJ
arjefm-85	485	10	management	management	NOUN
arjefm-85	485	11	8(2):203	8(2):203	NUM
arjefm-85	485	12	-	-	SYM
arjefm-85	485	13	221	221	NUM
arjefm-85	485	14	.	.	PUNCT
arjefm-85	486	1	moudud	moudud	PROPN
arjefm-85	486	2	-	-	PUNCT
arjefm-85	486	3	ul	ul	INTJ
arjefm-85	486	4	-	-	PUNCT
arjefm-85	486	5	huq	huq	PROPN
arjefm-85	486	6	s	s	PROPN
arjefm-85	486	7	(	(	PUNCT
arjefm-85	486	8	2019	2019	NUM
arjefm-85	486	9	)	)	PUNCT
arjefm-85	486	10	.	.	PUNCT
arjefm-85	487	1	banks	bank	NOUN
arjefm-85	487	2	'	'	PART
arjefm-85	487	3	capital	capital	NOUN
arjefm-85	487	4	buffers	buffer	NOUN
arjefm-85	487	5	,	,	PUNCT
arjefm-85	487	6	risk	risk	NOUN
arjefm-85	487	7	,	,	PUNCT
arjefm-85	487	8	and	and	CCONJ
arjefm-85	487	9	efficiency	efficiency	NOUN
arjefm-85	487	10	in	in	ADP
arjefm-85	487	11	emerging	emerge	VERB
arjefm-85	487	12	economies	economy	NOUN
arjefm-85	487	13	:	:	PUNCT
arjefm-85	487	14	are	be	AUX
arjefm-85	487	15	they	they	PRON
arjefm-85	487	16	counter	counter	ADJ
arjefm-85	487	17	-	-	ADJ
arjefm-85	487	18	cyclical	cyclical	ADJ
arjefm-85	487	19	?	?	PUNCT
arjefm-85	488	1	eurasian	eurasian	ADJ
arjefm-85	488	2	economic	economic	ADJ
arjefm-85	488	3	review	review	NOUN
arjefm-85	488	4	9(4):467	9(4):467	NUM
arjefm-85	488	5	-	-	SYM
arjefm-85	488	6	492	492	NUM
arjefm-85	488	7	.	.	PUNCT
arjefm-85	489	1	moudud	moudud	PROPN
arjefm-85	489	2	-	-	PUNCT
arjefm-85	489	3	ul	ul	INTJ
arjefm-85	489	4	-	-	PUNCT
arjefm-85	489	5	huq	huq	PROPN
arjefm-85	489	6	s	s	X
arjefm-85	489	7	(	(	PUNCT
arjefm-85	489	8	2020	2020	NUM
arjefm-85	489	9	)	)	PUNCT
arjefm-85	489	10	.	.	PUNCT
arjefm-85	490	1	does	do	AUX
arjefm-85	490	2	bank	bank	NOUN
arjefm-85	490	3	competition	competition	NOUN
arjefm-85	490	4	matter	matter	NOUN
arjefm-85	490	5	for	for	ADP
arjefm-85	490	6	performance	performance	NOUN
arjefm-85	490	7	and	and	CCONJ
arjefm-85	490	8	risk	risk	NOUN
arjefm-85	490	9	-	-	PUNCT
arjefm-85	490	10	taking	taking	NOUN
arjefm-85	490	11	?	?	PUNCT
arjefm-85	491	1	empirical	empirical	ADJ
arjefm-85	491	2	evidence	evidence	NOUN
arjefm-85	491	3	from	from	ADP
arjefm-85	491	4	brics	bric	NOUN
arjefm-85	491	5	countries	country	NOUN
arjefm-85	491	6	.	.	PUNCT
arjefm-85	492	1	international	international	ADJ
arjefm-85	492	2	journal	journal	NOUN
arjefm-85	492	3	of	of	ADP
arjefm-85	492	4	emerging	emerge	VERB
arjefm-85	492	5	markets	market	NOUN
arjefm-85	492	6	.	.	PUNCT
arjefm-85	493	1	doi:10.1108	doi:10.1108	PROPN
arjefm-85	493	2	/	/	SYM
arjefm-85	493	3	ijoem-03	ijoem-03	PROPN
arjefm-85	493	4	-	-	PUNCT
arjefm-85	493	5	2019	2019	NUM
arjefm-85	493	6	-	-	PUNCT
arjefm-85	493	7	0197	0197	NUM
arjefm-85	493	8	moyo	moyo	PROPN
arjefm-85	493	9	b	b	PROPN
arjefm-85	493	10	(	(	PUNCT
arjefm-85	493	11	2018	2018	NUM
arjefm-85	493	12	)	)	PUNCT
arjefm-85	493	13	.	.	PUNCT
arjefm-85	494	1	analysis	analysis	NOUN
arjefm-85	494	2	of	of	ADP
arjefm-85	494	3	competition	competition	NOUN
arjefm-85	494	4	,	,	PUNCT
arjefm-85	494	5	efficiency	efficiency	NOUN
arjefm-85	494	6	and	and	CCONJ
arjefm-85	494	7	soundness	soundness	NOUN
arjefm-85	494	8	in	in	ADP
arjefm-85	494	9	south	south	ADJ
arjefm-85	494	10	african	african	ADJ
arjefm-85	494	11	banking	banking	NOUN
arjefm-85	494	12	sector	sector	NOUN
arjefm-85	494	13	”	"	PUNCT
arjefm-85	494	14	south	south	ADJ
arjefm-85	494	15	african	african	ADJ
arjefm-85	494	16	journal	journal	NOUN
arjefm-85	494	17	of	of	ADP
arjefm-85	494	18	economics	economic	NOUN
arjefm-85	494	19	and	and	CCONJ
arjefm-85	494	20	management	management	NOUN
arjefm-85	494	21	science	science	NOUN
arjefm-85	494	22	21	21	NUM
arjefm-85	494	23	.	.	PUNCT
arjefm-85	495	1	doi:101108	doi:101108	PROPN
arjefm-85	495	2	/	/	SYM
arjefm-85	495	3	mf-12	mf-12	NOUN
arjefm-85	495	4	-	-	PUNCT
arjefm-85	495	5	2013	2013	NUM
arjefm-85	495	6	-	-	PUNCT
arjefm-85	495	7	0354	0354	NUM
arjefm-85	495	8	nguyen	nguyen	NOUN
arjefm-85	495	9	tp	tp	NOUN
arjefm-85	495	10	,	,	PUNCT
arjefm-85	495	11	nghiem	nghiem	NOUN
arjefm-85	495	12	sh	sh	PROPN
arjefm-85	495	13	(	(	PUNCT
arjefm-85	495	14	2015	2015	NUM
arjefm-85	495	15	)	)	PUNCT
arjefm-85	495	16	.	.	PUNCT
arjefm-85	496	1	the	the	DET
arjefm-85	496	2	interrelationships	interrelationship	NOUN
arjefm-85	496	3	among	among	ADP
arjefm-85	496	4	default	default	NOUN
arjefm-85	496	5	risk	risk	NOUN
arjefm-85	496	6	,	,	PUNCT
arjefm-85	496	7	capital	capital	NOUN
arjefm-85	496	8	ratio	ratio	NOUN
arjefm-85	496	9	and	and	CCONJ
arjefm-85	496	10	efficiency	efficiency	NOUN
arjefm-85	496	11	.	.	PUNCT
arjefm-85	497	1	managerial	managerial	ADJ
arjefm-85	497	2	finance	finance	NOUN
arjefm-85	497	3	41:507	41:507	NUM
arjefm-85	497	4	-	-	SYM
arjefm-85	497	5	525	525	NUM
arjefm-85	497	6	.	.	PUNCT
arjefm-85	497	7	onio	onio	PROPN
arjefm-85	497	8	l	l	PROPN
arjefm-85	497	9	(	(	PUNCT
arjefm-85	497	10	2017	2017	NUM
arjefm-85	497	11	)	)	PUNCT
arjefm-85	497	12	.	.	PUNCT
arjefm-85	498	1	impact	impact	NOUN
arjefm-85	498	2	of	of	ADP
arjefm-85	498	3	regulatory	regulatory	ADJ
arjefm-85	498	4	capital	capital	NOUN
arjefm-85	498	5	on	on	ADP
arjefm-85	498	6	european	european	ADJ
arjefm-85	498	7	banks	bank	NOUN
arjefm-85	498	8	financial	financial	ADJ
arjefm-85	498	9	performance	performance	NOUN
arjefm-85	498	10	:	:	PUNCT
arjefm-85	498	11	a	a	DET
arjefm-85	498	12	review	review	NOUN
arjefm-85	498	13	of	of	ADP
arjefm-85	498	14	post	post	ADJ
arjefm-85	498	15	global	global	ADJ
arjefm-85	498	16	financial	financial	ADJ
arjefm-85	498	17	crisis	crisis	NOUN
arjefm-85	498	18	research	research	NOUN
arjefm-85	498	19	.	.	PUNCT
arjefm-85	499	1	international	international	ADJ
arjefm-85	499	2	business	business	NOUN
arjefm-85	499	3	and	and	CCONJ
arjefm-85	499	4	finance	finance	NOUN
arjefm-85	499	5	44:309	44:309	PROPN
arjefm-85	499	6	-	-	PUNCT
arjefm-85	499	7	318	318	NUM
arjefm-85	499	8	.	.	PUNCT
arjefm-85	500	1	pasouiras	pasouiras	PROPN
arjefm-85	500	2	f	f	PROPN
arjefm-85	500	3	(	(	PUNCT
arjefm-85	500	4	2008	2008	NUM
arjefm-85	500	5	)	)	PUNCT
arjefm-85	500	6	.	.	PUNCT
arjefm-85	501	1	international	international	ADJ
arjefm-85	501	2	evidence	evidence	NOUN
arjefm-85	501	3	on	on	ADP
arjefm-85	501	4	the	the	DET
arjefm-85	501	5	impact	impact	NOUN
arjefm-85	501	6	of	of	ADP
arjefm-85	501	7	regulation	regulation	NOUN
arjefm-85	501	8	and	and	CCONJ
arjefm-85	501	9	supervision	supervision	NOUN
arjefm-85	501	10	on	on	ADP
arjefm-85	501	11	banks	bank	NOUN
arjefm-85	501	12	’	’	PART
arjefm-85	501	13	technical	technical	ADJ
arjefm-85	501	14	efficiency	efficiency	NOUN
arjefm-85	501	15	:	:	PUNCT
arjefm-85	501	16	an	an	DET
arjefm-85	501	17	application	application	NOUN
arjefm-85	501	18	of	of	ADP
arjefm-85	501	19	two	two	NUM
arjefm-85	501	20	stage	stage	NOUN
arjefm-85	501	21	data	datum	NOUN
arjefm-85	501	22	envelopment	envelopment	ADJ
arjefm-85	501	23	analysis	analysis	NOUN
arjefm-85	501	24	.	.	PUNCT
arjefm-85	502	1	review	review	NOUN
arjefm-85	502	2	of	of	ADP
arjefm-85	502	3	quantitative	quantitative	ADJ
arjefm-85	502	4	finance	finance	NOUN
arjefm-85	502	5	and	and	CCONJ
arjefm-85	502	6	accounting	account	VERB
arjefm-85	502	7	30:187	30:187	NUM
arjefm-85	502	8	-	-	SYM
arjefm-85	502	9	223	223	NUM
arjefm-85	502	10	.	.	PUNCT
arjefm-85	503	1	pasouira	pasouira	PROPN
arjefm-85	504	1	f	f	X
arjefm-85	504	2	,	,	PUNCT
arjefm-85	504	3	tanna	tanna	PROPN
arjefm-85	504	4	s	s	PART
arjefm-85	504	5	,	,	PUNCT
arjefm-85	504	6	roupounidis	roupounidis	ADJ
arjefm-85	504	7	c	c	NOUN
arjefm-85	504	8	(	(	PUNCT
arjefm-85	504	9	2009	2009	NUM
arjefm-85	504	10	)	)	PUNCT
arjefm-85	504	11	.	.	PUNCT
arjefm-85	505	1	the	the	DET
arjefm-85	505	2	impact	impact	NOUN
arjefm-85	505	3	of	of	ADP
arjefm-85	505	4	banking	banking	NOUN
arjefm-85	505	5	regulations	regulation	NOUN
arjefm-85	505	6	on	on	ADP
arjefm-85	505	7	banks	bank	NOUN
arjefm-85	505	8	cost	cost	VERB
arjefm-85	505	9	and	and	CCONJ
arjefm-85	505	10	profit	profit	NOUN
arjefm-85	505	11	efficiency	efficiency	NOUN
arjefm-85	505	12	:	:	PUNCT
arjefm-85	505	13	cross	cross	NOUN
arjefm-85	505	14	country	country	NOUN
arjefm-85	505	15	evidence	evidence	NOUN
arjefm-85	505	16	.	.	PUNCT
arjefm-85	506	1	international	international	ADJ
arjefm-85	506	2	review	review	NOUN
arjefm-85	506	3	of	of	ADP
arjefm-85	506	4	financial	financial	ADJ
arjefm-85	506	5	analysis	analysis	NOUN
arjefm-85	506	6	18:284	18:284	NUM
arjefm-85	506	7	-	-	SYM
arjefm-85	506	8	302	302	NUM
arjefm-85	506	9	.	.	PUNCT
arjefm-85	507	1	rime	rime	PROPN
arjefm-85	507	2	b	b	PROPN
arjefm-85	507	3	(	(	PUNCT
arjefm-85	507	4	2001	2001	NUM
arjefm-85	507	5	)	)	PUNCT
arjefm-85	507	6	.	.	PUNCT
arjefm-85	508	1	capital	capital	NOUN
arjefm-85	508	2	requirements	requirement	NOUN
arjefm-85	508	3	and	and	CCONJ
arjefm-85	508	4	bank	bank	NOUN
arjefm-85	508	5	behavior	behavior	NOUN
arjefm-85	508	6	:	:	PUNCT
arjefm-85	508	7	empirical	empirical	ADJ
arjefm-85	508	8	evidence	evidence	NOUN
arjefm-85	508	9	for	for	ADP
arjefm-85	508	10	switzerland	switzerland	PROPN
arjefm-85	508	11	,	,	PUNCT
arjefm-85	508	12	journal	journal	NOUN
arjefm-85	508	13	of	of	ADP
arjefm-85	508	14	banking	banking	NOUN
arjefm-85	508	15	and	and	CCONJ
arjefm-85	508	16	finance	finance	NOUN
arjefm-85	508	17	25:789805	25:789805	PROPN
arjefm-85	508	18	.	.	PUNCT
arjefm-85	509	1	sealey	sealey	PROPN
arjefm-85	509	2	cw	cw	PROPN
arjefm-85	509	3	,	,	PUNCT
arjefm-85	509	4	lindley	lindley	PROPN
arjefm-85	509	5	jt	jt	PROPN
arjefm-85	509	6	(	(	PUNCT
arjefm-85	509	7	1977	1977	NUM
arjefm-85	509	8	)	)	PUNCT
arjefm-85	509	9	.	.	PUNCT
arjefm-85	510	1	inputs	input	VERB
arjefm-85	510	2	outputs	output	NOUN
arjefm-85	510	3	and	and	CCONJ
arjefm-85	510	4	the	the	DET
arjefm-85	510	5	theory	theory	NOUN
arjefm-85	510	6	of	of	ADP
arjefm-85	510	7	production	production	NOUN
arjefm-85	510	8	and	and	CCONJ
arjefm-85	510	9	cost	cost	NOUN
arjefm-85	510	10	at	at	ADP
arjefm-85	510	11	depository	depository	ADJ
arjefm-85	510	12	financial	financial	ADJ
arjefm-85	510	13	institutions	institution	NOUN
arjefm-85	510	14	.	.	PUNCT
arjefm-85	511	1	the	the	DET
arjefm-85	511	2	journal	journal	NOUN
arjefm-85	511	3	of	of	ADP
arjefm-85	511	4	finance	finance	NOUN
arjefm-85	511	5	32(4):1251	32(4):1251	NUM
arjefm-85	511	6	-	-	SYM
arjefm-85	511	7	1266	1266	NUM
arjefm-85	511	8	.	.	PUNCT
arjefm-85	512	1	shrieves	shrieve	NOUN
arjefm-85	512	2	re	re	PROPN
arjefm-85	512	3	,	,	PUNCT
arjefm-85	512	4	dahl	dahl	PROPN
arjefm-85	512	5	d	d	X
arjefm-85	512	6	(	(	PUNCT
arjefm-85	512	7	1992	1992	NUM
arjefm-85	512	8	)	)	PUNCT
arjefm-85	512	9	.	.	PUNCT
arjefm-85	513	1	the	the	DET
arjefm-85	513	2	relationship	relationship	NOUN
arjefm-85	513	3	between	between	ADP
arjefm-85	513	4	risk	risk	NOUN
arjefm-85	513	5	and	and	CCONJ
arjefm-85	513	6	capital	capital	NOUN
arjefm-85	513	7	in	in	ADP
arjefm-85	513	8	commercial	commercial	ADJ
arjefm-85	513	9	banks	bank	NOUN
arjefm-85	513	10	,	,	PUNCT
arjefm-85	513	11	journal	journal	NOUN
arjefm-85	513	12	of	of	ADP
arjefm-85	513	13	banking	banking	NOUN
arjefm-85	513	14	and	and	CCONJ
arjefm-85	513	15	finance	finance	NOUN
arjefm-85	513	16	16:439	16:439	NUM
arjefm-85	513	17	-	-	SYM
arjefm-85	513	18	457	457	NUM
arjefm-85	513	19	.	.	PUNCT
arjefm-85	514	1	sufian	sufian	PROPN
arjefm-85	514	2	t	t	PROPN
arjefm-85	514	3	(	(	PUNCT
arjefm-85	514	4	2016	2016	NUM
arjefm-85	514	5	)	)	PUNCT
arjefm-85	514	6	.	.	PUNCT
arjefm-85	515	1	determinants	determinant	NOUN
arjefm-85	515	2	of	of	ADP
arjefm-85	515	3	efficiency	efficiency	NOUN
arjefm-85	515	4	in	in	ADP
arjefm-85	515	5	the	the	DET
arjefm-85	515	6	malaysian	malaysian	ADJ
arjefm-85	515	7	banking	banking	NOUN
arjefm-85	515	8	sector	sector	NOUN
arjefm-85	515	9	:	:	PUNCT
arjefm-85	515	10	evidence	evidence	NOUN
arjefm-85	515	11	from	from	ADP
arjefm-85	515	12	semi	semi	ADJ
arjefm-85	515	13	parametric	parametric	ADJ
arjefm-85	515	14	data	datum	NOUN
arjefm-85	515	15	envelopment	envelopment	ADJ
arjefm-85	515	16	analysis	analysis	NOUN
arjefm-85	515	17	method	method	NOUN
arjefm-85	515	18	.	.	PUNCT
arjefm-85	516	1	studies	study	NOUN
arjefm-85	516	2	in	in	ADP
arjefm-85	516	3	microeconomics	microeconomics	PROPN
arjefm-85	516	4	4:151	4:151	PROPN
arjefm-85	516	5	-	-	SYM
arjefm-85	516	6	172	172	NUM
arjefm-85	516	7	.	.	PUNCT
arjefm-85	517	1	tan	tan	PROPN
arjefm-85	517	2	y	y	PROPN
arjefm-85	517	3	,	,	PUNCT
arjefm-85	517	4	floros	floros	PROPN
arjefm-85	517	5	c	c	PROPN
arjefm-85	517	6	(	(	PUNCT
arjefm-85	517	7	2013	2013	NUM
arjefm-85	517	8	)	)	PUNCT
arjefm-85	517	9	.	.	PUNCT
arjefm-85	518	1	risk	risk	NOUN
arjefm-85	518	2	,	,	PUNCT
arjefm-85	518	3	capital	capital	NOUN
arjefm-85	518	4	,	,	PUNCT
arjefm-85	518	5	and	and	CCONJ
arjefm-85	518	6	efficiency	efficiency	NOUN
arjefm-85	518	7	in	in	ADP
arjefm-85	518	8	chinese	chinese	ADJ
arjefm-85	518	9	banking	banking	NOUN
arjefm-85	518	10	.	.	PUNCT
arjefm-85	519	1	journal	journal	PROPN
arjefm-85	519	2	of	of	ADP
arjefm-85	519	3	international	international	ADJ
arjefm-85	519	4	financial	financial	ADJ
arjefm-85	519	5	markets	market	NOUN
arjefm-85	519	6	,	,	PUNCT
arjefm-85	519	7	institutions	institution	NOUN
arjefm-85	519	8	,	,	PUNCT
arjefm-85	519	9	and	and	CCONJ
arjefm-85	519	10	money	money	NOUN
arjefm-85	519	11	26:378	26:378	NUM
arjefm-85	519	12	-	-	SYM
arjefm-85	519	13	393	393	NUM
arjefm-85	519	14	.	.	PUNCT
arjefm-85	520	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	PROPN
arjefm-85	521	1	advanced	advanced	ADJ
arjefm-85	521	2	journal	journal	NOUN
arjefm-85	521	3	of	of	ADP
arjefm-85	521	4	economics	economic	NOUN
arjefm-85	521	5	and	and	CCONJ
arjefm-85	521	6	business	business	NOUN
arjefm-85	521	7	research	research	NOUN
arjefm-85	521	8	https://americaserial.com/journals/index.php/ajebr	https://americaserial.com/journals/index.php/ajebr	PROPN
arjefm-85	521	9	,	,	PUNCT
arjefm-85	521	10	email	email	NOUN
arjefm-85	521	11	:	:	PUNCT
arjefm-85	521	12	contact@americaserial.com	contact@americaserial.com	X
arjefm-85	522	1	67	67	NUM
arjefm-85	523	1	|	|	ADV
arjefm-85	523	2	p	p	NOUN
arjefm-85	523	3	a	a	DET
arjefm-85	523	4	g	g	NOUN
arjefm-85	523	5	e	e	X
arjefm-85	523	6	triki	triki	PROPN
arjefm-85	523	7	t	t	PROPN
arjefm-85	523	8	,	,	PUNCT
arjefm-85	523	9	kuoki	kuoki	PROPN
arjefm-85	523	10	i	i	PRON
arjefm-85	523	11	,	,	PUNCT
arjefm-85	523	12	dhaou	dhaou	VERB
arjefm-85	523	13	mb	mb	ADP
arjefm-85	523	14	,	,	PUNCT
arjefm-85	523	15	calice	calice	NOUN
arjefm-85	523	16	p	p	NOUN
arjefm-85	523	17	(	(	PUNCT
arjefm-85	523	18	2017	2017	NUM
arjefm-85	523	19	)	)	PUNCT
arjefm-85	523	20	.	.	PUNCT
arjefm-85	524	1	bank	bank	NOUN
arjefm-85	524	2	regulation	regulation	NOUN
arjefm-85	524	3	and	and	CCONJ
arjefm-85	524	4	efficiency	efficiency	NOUN
arjefm-85	524	5	what	what	PRON
arjefm-85	524	6	works	work	VERB
arjefm-85	524	7	better	well	ADV
arjefm-85	524	8	for	for	ADP
arjefm-85	524	9	africa	africa	PROPN
arjefm-85	524	10	?	?	PUNCT
arjefm-85	525	1	research	research	NOUN
arjefm-85	525	2	in	in	ADP
arjefm-85	525	3	international	international	ADJ
arjefm-85	525	4	business	business	NOUN
arjefm-85	525	5	and	and	CCONJ
arjefm-85	525	6	finance	finance	NOUN
arjefm-85	525	7	39:183	39:183	NUM
arjefm-85	525	8	-	-	SYM
arjefm-85	525	9	205	205	NUM
arjefm-85	525	10	.	.	PUNCT
arjefm-85	526	1	ugwuanyi	ugwuanyi	PROPN
arjefm-85	526	2	g	g	PROPN
arjefm-85	526	3	(	(	PUNCT
arjefm-85	526	4	2015	2015	NUM
arjefm-85	526	5	)	)	PUNCT
arjefm-85	526	6	.	.	PUNCT
arjefm-85	527	1	regulation	regulation	NOUN
arjefm-85	527	2	of	of	ADP
arjefm-85	527	3	bank	bank	NOUN
arjefm-85	527	4	capital	capital	NOUN
arjefm-85	527	5	requirements	requirement	NOUN
arjefm-85	527	6	and	and	CCONJ
arjefm-85	527	7	bank	bank	NOUN
arjefm-85	527	8	risk	risk	NOUN
arjefm-85	527	9	taking	take	VERB
arjefm-85	527	10	behavior	behavior	NOUN
arjefm-85	527	11	:	:	PUNCT
arjefm-85	527	12	evidence	evidence	NOUN
arjefm-85	527	13	from	from	ADP
arjefm-85	527	14	the	the	DET
arjefm-85	527	15	nigerian	nigerian	ADJ
arjefm-85	527	16	banking	banking	NOUN
arjefm-85	527	17	industry	industry	NOUN
arjefm-85	527	18	.	.	PUNCT
arjefm-85	528	1	international	international	ADJ
arjefm-85	528	2	journal	journal	PROPN
arjefm-85	528	3	of	of	ADP
arjefm-85	528	4	economics	economic	NOUN
arjefm-85	528	5	and	and	CCONJ
arjefm-85	528	6	finance	finance	NOUN
arjefm-85	528	7	7(8	7(8	NUM
arjefm-85	528	8	)	)	PUNCT
arjefm-85	528	9	.	.	PUNCT
arjefm-85	529	1	van	van	PROPN
arjefm-85	529	2	de	de	PROPN
arjefm-85	529	3	schoot	schoot	PROPN
arjefm-85	529	4	r	r	NOUN
arjefm-85	529	5	,	,	PUNCT
arjefm-85	529	6	miocević	miocević	NOUN
arjefm-85	529	7	m	m	PROPN
arjefm-85	529	8	(	(	PUNCT
arjefm-85	529	9	2020	2020	NUM
arjefm-85	529	10	)	)	PUNCT
arjefm-85	529	11	.	.	PUNCT
arjefm-85	530	1	small	small	ADJ
arjefm-85	530	2	sample	sample	NOUN
arjefm-85	530	3	size	size	NOUN
arjefm-85	530	4	solutions	solution	NOUN
arjefm-85	530	5	:	:	PUNCT
arjefm-85	530	6	a	a	DET
arjefm-85	530	7	guide	guide	NOUN
arjefm-85	530	8	for	for	ADP
arjefm-85	530	9	applied	applied	ADJ
arjefm-85	530	10	researchers	researcher	NOUN
arjefm-85	530	11	and	and	CCONJ
arjefm-85	530	12	practitioners	practitioner	NOUN
arjefm-85	530	13	.	.	PUNCT
arjefm-85	531	1	taylor	taylor	PROPN
arjefm-85	531	2	&	&	CCONJ
arjefm-85	531	3	francis	francis	PROPN
arjefm-85	531	4	.	.	PUNCT
arjefm-85	532	1	p	p	PROPN
arjefm-85	532	2	284	284	NUM
arjefm-85	532	3	.	.	PUNCT
arjefm-85	533	1	wheelock	wheelock	PROPN
arjefm-85	533	2	dc	dc	PROPN
arjefm-85	533	3	,	,	PUNCT
arjefm-85	533	4	wilson	wilson	PROPN
arjefm-85	533	5	pw	pw	PROPN
arjefm-85	533	6	(	(	PUNCT
arjefm-85	533	7	2012	2012	NUM
arjefm-85	533	8	)	)	PUNCT
arjefm-85	533	9	.	.	PUNCT
arjefm-85	534	1	do	do	AUX
arjefm-85	534	2	large	large	ADJ
arjefm-85	534	3	banks	bank	NOUN
arjefm-85	534	4	have	have	VERB
arjefm-85	534	5	lower	low	ADJ
arjefm-85	534	6	costs	cost	NOUN
arjefm-85	534	7	?	?	PUNCT
arjefm-85	535	1	new	new	ADJ
arjefm-85	535	2	estimations	estimation	NOUN
arjefm-85	535	3	of	of	ADP
arjefm-85	535	4	returns	return	NOUN
arjefm-85	535	5	to	to	PART
arjefm-85	535	6	scale	scale	VERB
arjefm-85	535	7	for	for	ADP
arjefm-85	535	8	us	us	PROPN
arjefm-85	535	9	banks	bank	NOUN
arjefm-85	535	10	.	.	PUNCT
arjefm-85	536	1	journal	journal	PROPN
arjefm-85	536	2	of	of	ADP
arjefm-85	536	3	money	money	NOUN
arjefm-85	536	4	credit	credit	NOUN
arjefm-85	536	5	and	and	CCONJ
arjefm-85	536	6	banking	banking	NOUN
arjefm-85	536	7	44:171	44:171	NUM
arjefm-85	536	8	-	-	SYM
arjefm-85	536	9	199	199	NUM
arjefm-85	536	10	.	.	PUNCT
arjefm-85	537	1	williams	williams	PROPN
arjefm-85	537	2	j	j	PROPN
arjefm-85	537	3	(	(	PUNCT
arjefm-85	537	4	2004	2004	NUM
arjefm-85	537	5	)	)	PUNCT
arjefm-85	537	6	.	.	PUNCT
arjefm-85	538	1	determining	determine	VERB
arjefm-85	538	2	management	management	NOUN
arjefm-85	538	3	behavior	behavior	NOUN
arjefm-85	538	4	in	in	ADP
arjefm-85	538	5	european	european	PROPN
arjefm-85	538	6	banking	banking	PROPN
arjefm-85	538	7	.	.	PUNCT
arjefm-85	539	1	journal	journal	PROPN
arjefm-85	539	2	of	of	ADP
arjefm-85	539	3	banking	banking	NOUN
arjefm-85	539	4	and	and	CCONJ
arjefm-85	539	5	finance	finance	NOUN
arjefm-85	539	6	28(10):2427	28(10):2427	NOUN
arjefm-85	539	7	-	-	SYM
arjefm-85	539	8	2460	2460	NUM
arjefm-85	539	9	.	.	PUNCT
arjefm-85	540	1	zheng	zheng	PROPN
arjefm-85	540	2	c	c	PROPN
arjefm-85	540	3	,	,	PUNCT
arjefm-85	540	4	moudud	moudud	PROPN
arjefm-85	540	5	-	-	PUNCT
arjefm-85	540	6	ul	ul	INTJ
arjefm-85	540	7	-	-	PUNCT
arjefm-85	540	8	huq	huq	PROPN
arjefm-85	540	9	s	s	PROPN
arjefm-85	540	10	,	,	PUNCT
arjefm-85	540	11	rahman	rahman	PROPN
arjefm-85	540	12	m	m	PROPN
arjefm-85	540	13	,	,	PUNCT
arjefm-85	540	14	ashraf	ashraf	PROPN
arjefm-85	540	15	bn	bn	INTJ
arjefm-85	540	16	(	(	PUNCT
arjefm-85	540	17	2017	2017	NUM
arjefm-85	540	18	)	)	PUNCT
arjefm-85	540	19	.	.	PUNCT
arjefm-85	541	1	does	do	VERB
arjefm-85	541	2	the	the	DET
arjefm-85	541	3	ownership	ownership	NOUN
arjefm-85	541	4	structure	structure	NOUN
arjefm-85	541	5	matter	matter	NOUN
arjefm-85	541	6	for	for	ADP
arjefm-85	541	7	banks	bank	NOUN
arjefm-85	541	8	'	'	PART
arjefm-85	541	9	capital	capital	NOUN
arjefm-85	541	10	regulation	regulation	NOUN
arjefm-85	541	11	and	and	CCONJ
arjefm-85	541	12	risktaking	risktake	VERB
arjefm-85	541	13	behavior	behavior	NOUN
arjefm-85	541	14	?	?	PUNCT
arjefm-85	542	1	empirical	empirical	ADJ
arjefm-85	542	2	evidence	evidence	NOUN
arjefm-85	542	3	from	from	ADP
arjefm-85	542	4	a	a	DET
arjefm-85	542	5	developing	develop	VERB
arjefm-85	542	6	country	country	NOUN
arjefm-85	542	7	.	.	PUNCT
arjefm-85	543	1	research	research	NOUN
arjefm-85	543	2	in	in	ADP
arjefm-85	543	3	international	international	ADJ
arjefm-85	543	4	business	business	NOUN
arjefm-85	543	5	and	and	CCONJ
arjefm-85	543	6	finance	finance	NOUN
arjefm-85	543	7	42:404	42:404	NOUN
arjefm-85	543	8	-	-	SYM
arjefm-85	543	9	421	421	NUM
arjefm-85	543	10	.	.	PUNCT
arjefm-85	544	1	mailto:contact@americaserial.com	mailto:contact@americaserial.com	X