id	sid	tid	token	lemma	pos
asir-2213	1	1	applied	apply	VERB
asir-2213	1	2	science	science	NOUN
asir-2213	1	3	and	and	CCONJ
asir-2213	1	4	innovative	innovative	ADJ
asir-2213	1	5	research	research	NOUN
asir-2213	1	6	issn	issn	VERB
asir-2213	1	7	2474	2474	NUM
asir-2213	1	8	-	-	SYM
asir-2213	1	9	4972	4972	NUM
asir-2213	1	10	(	(	PUNCT
asir-2213	1	11	print	print	NOUN
asir-2213	1	12	)	)	PUNCT
asir-2213	1	13	issn	issn	VERB
asir-2213	1	14	2474	2474	NUM
asir-2213	1	15	-	-	SYM
asir-2213	1	16	4980	4980	NUM
asir-2213	1	17	(	(	PUNCT
asir-2213	1	18	online	online	ADJ
asir-2213	1	19	)	)	PUNCT
asir-2213	1	20	vol	vol	NOUN
asir-2213	1	21	.	.	PROPN
asir-2213	2	1	3	3	NUM
asir-2213	2	2	,	,	PUNCT
asir-2213	2	3	no	no	INTJ
asir-2213	2	4	.	.	NOUN
asir-2213	2	5	3	3	NUM
asir-2213	2	6	,	,	PUNCT
asir-2213	2	7	2019	2019	NUM
asir-2213	2	8	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	2	9	133	133	NUM
asir-2213	2	10	original	original	ADJ
asir-2213	2	11	paper	paper	NOUN
asir-2213	2	12	the	the	DET
asir-2213	2	13	effect	effect	NOUN
asir-2213	2	14	of	of	ADP
asir-2213	2	15	financial	financial	ADJ
asir-2213	2	16	sector	sector	NOUN
asir-2213	2	17	reforms	reform	NOUN
asir-2213	2	18	on	on	ADP
asir-2213	2	19	bank	bank	PROPN
asir-2213	2	20	net	net	ADJ
asir-2213	2	21	interest	interest	NOUN
asir-2213	2	22	margins	margin	NOUN
asir-2213	2	23	in	in	ADP
asir-2213	2	24	ghana	ghana	PROPN
asir-2213	2	25	elvis	elvis	PROPN
asir-2213	2	26	cornerstone1	cornerstone1	PROPN
asir-2213	2	27	*	*	PROPN
asir-2213	2	28	1	1	NUM
asir-2213	2	29	bangor	bangor	PROPN
asir-2213	2	30	business	business	NOUN
asir-2213	2	31	school	school	PROPN
asir-2213	2	32	,	,	PUNCT
asir-2213	2	33	bangor	bangor	PROPN
asir-2213	2	34	university	university	PROPN
asir-2213	2	35	,	,	PUNCT
asir-2213	2	36	bangor	bangor	NOUN
asir-2213	2	37	,	,	PUNCT
asir-2213	2	38	gwynedd	gwynedd	PROPN
asir-2213	2	39	,	,	PUNCT
asir-2213	2	40	ll57	ll57	PROPN
asir-2213	2	41	2dg	2dg	NOUN
asir-2213	2	42	,	,	PUNCT
asir-2213	2	43	uk	uk	PROPN
asir-2213	2	44	received	receive	VERB
asir-2213	2	45	:	:	PUNCT
asir-2213	2	46	february	february	PROPN
asir-2213	2	47	13	13	NUM
asir-2213	2	48	,	,	PUNCT
asir-2213	2	49	2019	2019	NUM
asir-2213	2	50	accepted	accept	VERB
asir-2213	2	51	:	:	PUNCT
asir-2213	2	52	march	march	PROPN
asir-2213	2	53	2	2	NUM
asir-2213	2	54	,	,	PUNCT
asir-2213	2	55	2019	2019	NUM
asir-2213	2	56	online	online	ADV
asir-2213	2	57	published	publish	VERB
asir-2213	2	58	:	:	PUNCT
asir-2213	2	59	august	august	PROPN
asir-2213	2	60	5	5	NUM
asir-2213	2	61	,	,	PUNCT
asir-2213	2	62	2019	2019	NUM
asir-2213	2	63	doi:10.22158	doi:10.22158	NOUN
asir-2213	2	64	/	/	SYM
asir-2213	2	65	asir.v3n3p133	asir.v3n3p133	PROPN
asir-2213	2	66	url	url	PROPN
asir-2213	2	67	:	:	PUNCT
asir-2213	2	68	http://dx.doi.org/10.22158/asir.v3n3p133	http://dx.doi.org/10.22158/asir.v3n3p133	PROPN
asir-2213	3	1	abstract	abstract	ADJ
asir-2213	3	2	this	this	DET
asir-2213	3	3	paper	paper	NOUN
asir-2213	3	4	examines	examine	VERB
asir-2213	3	5	the	the	DET
asir-2213	3	6	effect	effect	NOUN
asir-2213	3	7	of	of	ADP
asir-2213	3	8	financial	financial	ADJ
asir-2213	3	9	sector	sector	NOUN
asir-2213	3	10	reforms	reform	NOUN
asir-2213	3	11	on	on	ADP
asir-2213	3	12	net	net	ADJ
asir-2213	3	13	interest	interest	NOUN
asir-2213	3	14	margin	margin	NOUN
asir-2213	3	15	of	of	ADP
asir-2213	3	16	ghanaian	ghanaian	ADJ
asir-2213	3	17	banks	bank	NOUN
asir-2213	3	18	during	during	ADP
asir-2213	3	19	the	the	DET
asir-2213	3	20	period	period	NOUN
asir-2213	3	21	1997	1997	NUM
asir-2213	3	22	-	-	SYM
asir-2213	3	23	2006	2006	NUM
asir-2213	3	24	.	.	PUNCT
asir-2213	4	1	changes	change	NOUN
asir-2213	4	2	have	have	AUX
asir-2213	4	3	taken	take	VERB
asir-2213	4	4	place	place	NOUN
asir-2213	4	5	in	in	ADP
asir-2213	4	6	ghana	ghana	PROPN
asir-2213	4	7	as	as	ADP
asir-2213	4	8	in	in	ADP
asir-2213	4	9	other	other	ADJ
asir-2213	4	10	countries	country	NOUN
asir-2213	4	11	.	.	PUNCT
asir-2213	5	1	however	however	ADV
asir-2213	5	2	,	,	PUNCT
asir-2213	5	3	net	net	ADJ
asir-2213	5	4	interest	interest	NOUN
asir-2213	5	5	margins	margin	NOUN
asir-2213	5	6	have	have	AUX
asir-2213	5	7	not	not	PART
asir-2213	5	8	declined	decline	VERB
asir-2213	5	9	as	as	ADV
asir-2213	5	10	much	much	ADJ
asir-2213	5	11	in	in	ADP
asir-2213	5	12	ghana	ghana	PROPN
asir-2213	5	13	as	as	SCONJ
asir-2213	5	14	they	they	PRON
asir-2213	5	15	have	have	VERB
asir-2213	5	16	elsewhere	elsewhere	ADV
asir-2213	5	17	due	due	ADP
asir-2213	5	18	to	to	ADP
asir-2213	5	19	the	the	DET
asir-2213	5	20	influence	influence	NOUN
asir-2213	5	21	of	of	ADP
asir-2213	5	22	the	the	DET
asir-2213	5	23	degree	degree	NOUN
asir-2213	5	24	of	of	ADP
asir-2213	5	25	risk	risk	NOUN
asir-2213	5	26	aversion	aversion	NOUN
asir-2213	5	27	,	,	PUNCT
asir-2213	5	28	high	high	ADJ
asir-2213	5	29	operating	operating	NOUN
asir-2213	5	30	costs	cost	NOUN
asir-2213	5	31	and	and	CCONJ
asir-2213	5	32	uncompetitive	uncompetitive	ADJ
asir-2213	5	33	nature	nature	NOUN
asir-2213	5	34	of	of	ADP
asir-2213	5	35	the	the	DET
asir-2213	5	36	market	market	NOUN
asir-2213	5	37	structure	structure	NOUN
asir-2213	5	38	.	.	PUNCT
asir-2213	6	1	although	although	SCONJ
asir-2213	6	2	banks	bank	NOUN
asir-2213	6	3	have	have	AUX
asir-2213	6	4	relied	rely	VERB
asir-2213	6	5	heavily	heavily	ADV
asir-2213	6	6	on	on	ADP
asir-2213	6	7	feeand	feeand	ADV
asir-2213	6	8	commission	commission	NOUN
asir-2213	6	9	-	-	PUNCT
asir-2213	6	10	based	base	VERB
asir-2213	6	11	services	service	NOUN
asir-2213	6	12	as	as	ADP
asir-2213	6	13	additional	additional	ADJ
asir-2213	6	14	sources	source	NOUN
asir-2213	6	15	of	of	ADP
asir-2213	6	16	income	income	NOUN
asir-2213	6	17	to	to	ADP
asir-2213	6	18	lower	low	ADJ
asir-2213	6	19	margins	margin	NOUN
asir-2213	6	20	,	,	PUNCT
asir-2213	6	21	this	this	DET
asir-2213	6	22	paper	paper	NOUN
asir-2213	6	23	argues	argue	VERB
asir-2213	6	24	that	that	SCONJ
asir-2213	6	25	despite	despite	SCONJ
asir-2213	6	26	recent	recent	ADJ
asir-2213	6	27	developments	development	NOUN
asir-2213	6	28	in	in	ADP
asir-2213	6	29	the	the	DET
asir-2213	6	30	ghanaian	ghanaian	ADJ
asir-2213	6	31	financial	financial	ADJ
asir-2213	6	32	landscape	landscape	NOUN
asir-2213	6	33	,	,	PUNCT
asir-2213	6	34	financial	financial	ADJ
asir-2213	6	35	sector	sector	NOUN
asir-2213	6	36	reforms	reform	NOUN
asir-2213	6	37	have	have	AUX
asir-2213	6	38	not	not	PART
asir-2213	6	39	yet	yet	ADV
asir-2213	6	40	succeeded	succeed	VERB
asir-2213	6	41	in	in	ADP
asir-2213	6	42	bringing	bring	VERB
asir-2213	6	43	about	about	ADP
asir-2213	6	44	a	a	DET
asir-2213	6	45	major	major	ADJ
asir-2213	6	46	reduction	reduction	NOUN
asir-2213	6	47	in	in	ADP
asir-2213	6	48	the	the	DET
asir-2213	6	49	operating	operating	NOUN
asir-2213	6	50	costs	cost	NOUN
asir-2213	6	51	of	of	ADP
asir-2213	6	52	banks	bank	NOUN
asir-2213	6	53	that	that	PRON
asir-2213	6	54	would	would	AUX
asir-2213	6	55	translate	translate	VERB
asir-2213	6	56	into	into	ADP
asir-2213	6	57	substantially	substantially	ADV
asir-2213	6	58	narrower	narrow	ADJ
asir-2213	6	59	margins	margin	NOUN
asir-2213	6	60	.	.	PUNCT
asir-2213	7	1	this	this	PRON
asir-2213	7	2	is	be	AUX
asir-2213	7	3	by	by	ADP
asir-2213	7	4	far	far	ADV
asir-2213	7	5	the	the	DET
asir-2213	7	6	major	major	ADJ
asir-2213	7	7	significant	significant	ADJ
asir-2213	7	8	effect	effect	NOUN
asir-2213	7	9	of	of	ADP
asir-2213	7	10	relatively	relatively	ADV
asir-2213	7	11	wide	wide	ADJ
asir-2213	7	12	net	net	ADJ
asir-2213	7	13	interest	interest	NOUN
asir-2213	7	14	margin	margin	NOUN
asir-2213	7	15	in	in	ADP
asir-2213	7	16	ghana	ghana	PROPN
asir-2213	7	17	.	.	PUNCT
asir-2213	8	1	keywords	keyword	VERB
asir-2213	8	2	net	net	ADJ
asir-2213	8	3	interest	interest	NOUN
asir-2213	8	4	margins	margin	NOUN
asir-2213	8	5	,	,	PUNCT
asir-2213	8	6	banks	bank	NOUN
asir-2213	8	7	,	,	PUNCT
asir-2213	8	8	financial	financial	ADJ
asir-2213	8	9	sector	sector	NOUN
asir-2213	8	10	reforms	reform	NOUN
asir-2213	8	11	,	,	PUNCT
asir-2213	8	12	market	market	NOUN
asir-2213	8	13	structure	structure	NOUN
asir-2213	8	14	jel	jel	PROPN
asir-2213	8	15	classification	classification	PROPN
asir-2213	8	16	:	:	PUNCT
asir-2213	8	17	e43	e43	NOUN
asir-2213	8	18	,	,	PUNCT
asir-2213	8	19	e52	e52	PROPN
asir-2213	8	20	,	,	PUNCT
asir-2213	8	21	g21	g21	PROPN
asir-2213	8	22	,	,	PUNCT
asir-2213	8	23	g28	g28	NOUN
asir-2213	8	24	,	,	PUNCT
asir-2213	8	25	l11	l11	PROPN
asir-2213	8	26	1	1	NUM
asir-2213	8	27	.	.	PUNCT
asir-2213	9	1	introduction	introduction	NOUN
asir-2213	9	2	the	the	DET
asir-2213	9	3	role	role	NOUN
asir-2213	9	4	of	of	ADP
asir-2213	9	5	financial	financial	ADJ
asir-2213	9	6	sector	sector	NOUN
asir-2213	9	7	reforms	reform	NOUN
asir-2213	9	8	as	as	ADP
asir-2213	9	9	an	an	DET
asir-2213	9	10	engine	engine	NOUN
asir-2213	9	11	to	to	ADP
asir-2213	9	12	economic	economic	ADJ
asir-2213	9	13	development	development	NOUN
asir-2213	9	14	has	have	AUX
asir-2213	9	15	been	be	AUX
asir-2213	9	16	given	give	VERB
asir-2213	9	17	much	much	ADJ
asir-2213	9	18	attention	attention	NOUN
asir-2213	9	19	over	over	ADP
asir-2213	9	20	the	the	DET
asir-2213	9	21	past	past	ADJ
asir-2213	9	22	few	few	ADJ
asir-2213	9	23	decades	decade	NOUN
asir-2213	9	24	.	.	PUNCT
asir-2213	10	1	it	it	PRON
asir-2213	10	2	is	be	AUX
asir-2213	10	3	largely	largely	ADV
asir-2213	10	4	documented	document	VERB
asir-2213	10	5	from	from	ADP
asir-2213	10	6	the	the	DET
asir-2213	10	7	economics	economic	NOUN
asir-2213	10	8	literature	literature	NOUN
asir-2213	10	9	that	that	PRON
asir-2213	10	10	a	a	DET
asir-2213	10	11	liberalised	liberalise	VERB
asir-2213	10	12	financial	financial	ADJ
asir-2213	10	13	system	system	NOUN
asir-2213	10	14	that	that	PRON
asir-2213	10	15	has	have	VERB
asir-2213	10	16	a	a	DET
asir-2213	10	17	sound	sound	ADJ
asir-2213	10	18	and	and	CCONJ
asir-2213	10	19	prudent	prudent	ADJ
asir-2213	10	20	banking	banking	NOUN
asir-2213	10	21	practices	practice	NOUN
asir-2213	10	22	creates	create	VERB
asir-2213	10	23	competition	competition	NOUN
asir-2213	10	24	,	,	PUNCT
asir-2213	10	25	and	and	CCONJ
asir-2213	10	26	thus	thus	ADV
asir-2213	10	27	leads	lead	VERB
asir-2213	10	28	to	to	ADP
asir-2213	10	29	better	well	ADJ
asir-2213	10	30	delivery	delivery	NOUN
asir-2213	10	31	of	of	ADP
asir-2213	10	32	financial	financial	ADJ
asir-2213	10	33	services	service	NOUN
asir-2213	10	34	(	(	PUNCT
asir-2213	10	35	fry	fry	NOUN
asir-2213	10	36	,	,	PUNCT
asir-2213	10	37	1995	1995	NUM
asir-2213	10	38	;	;	PUNCT
asir-2213	10	39	brownbridge	brownbridge	NOUN
asir-2213	10	40	&	&	CCONJ
asir-2213	10	41	harvey	harvey	PROPN
asir-2213	10	42	,	,	PUNCT
asir-2213	10	43	1998	1998	NUM
asir-2213	10	44	)	)	PUNCT
asir-2213	10	45	.	.	PUNCT
asir-2213	11	1	most	most	ADJ
asir-2213	11	2	countries	country	NOUN
asir-2213	11	3	in	in	ADP
asir-2213	11	4	africa	africa	PROPN
asir-2213	11	5	experienced	experience	VERB
asir-2213	11	6	various	various	ADJ
asir-2213	11	7	episodes	episode	NOUN
asir-2213	11	8	of	of	ADP
asir-2213	11	9	financial	financial	ADJ
asir-2213	11	10	repression	repression	NOUN
asir-2213	11	11	during	during	ADP
asir-2213	11	12	the	the	DET
asir-2213	11	13	1970s	1970	NOUN
asir-2213	11	14	and	and	CCONJ
asir-2213	11	15	1980s	1980	NOUN
asir-2213	11	16	,	,	PUNCT
asir-2213	11	17	of	of	ADP
asir-2213	11	18	which	which	PRON
asir-2213	11	19	ghana	ghana	PROPN
asir-2213	11	20	is	be	AUX
asir-2213	11	21	no	no	DET
asir-2213	11	22	exception	exception	NOUN
asir-2213	11	23	.	.	PUNCT
asir-2213	12	1	during	during	ADP
asir-2213	12	2	this	this	DET
asir-2213	12	3	period	period	NOUN
asir-2213	12	4	,	,	PUNCT
asir-2213	12	5	public	public	ADJ
asir-2213	12	6	ownership	ownership	NOUN
asir-2213	12	7	dominated	dominate	VERB
asir-2213	12	8	the	the	DET
asir-2213	12	9	banking	banking	NOUN
asir-2213	12	10	system	system	NOUN
asir-2213	12	11	,	,	PUNCT
asir-2213	12	12	whilst	whilst	SCONJ
asir-2213	12	13	most	most	ADJ
asir-2213	12	14	economies	economy	NOUN
asir-2213	12	15	in	in	ADP
asir-2213	12	16	sub	sub	ADJ
asir-2213	12	17	-	-	ADJ
asir-2213	12	18	saharan	saharan	ADJ
asir-2213	12	19	africa	africa	PROPN
asir-2213	12	20	could	could	AUX
asir-2213	12	21	hardly	hardly	ADV
asir-2213	12	22	boast	boast	VERB
asir-2213	12	23	of	of	ADP
asir-2213	12	24	foreign	foreign	ADJ
asir-2213	12	25	ownership	ownership	NOUN
asir-2213	12	26	with	with	ADP
asir-2213	12	27	the	the	DET
asir-2213	12	28	exception	exception	NOUN
asir-2213	12	29	of	of	ADP
asir-2213	12	30	barclays	barclay	NOUN
asir-2213	12	31	and	and	CCONJ
asir-2213	12	32	standard	standard	ADJ
asir-2213	12	33	chartered	chartered	NOUN
asir-2213	12	34	that	that	PRON
asir-2213	12	35	were	be	AUX
asir-2213	12	36	established	establish	VERB
asir-2213	12	37	during	during	ADP
asir-2213	12	38	the	the	DET
asir-2213	12	39	colonial	colonial	ADJ
asir-2213	12	40	period	period	NOUN
asir-2213	12	41	.	.	PUNCT
asir-2213	13	1	governments	government	NOUN
asir-2213	13	2	determined	determine	VERB
asir-2213	13	3	the	the	DET
asir-2213	13	4	structure	structure	NOUN
asir-2213	13	5	of	of	ADP
asir-2213	13	6	interest	interest	NOUN
asir-2213	13	7	rates	rate	NOUN
asir-2213	13	8	,	,	PUNCT
asir-2213	13	9	whilst	whilst	SCONJ
asir-2213	13	10	controls	control	NOUN
asir-2213	13	11	on	on	ADP
asir-2213	13	12	sectoral	sectoral	ADJ
asir-2213	13	13	allocation	allocation	NOUN
asir-2213	13	14	of	of	ADP
asir-2213	13	15	credit	credit	NOUN
asir-2213	13	16	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	13	17	applied	apply	VERB
asir-2213	13	18	science	science	NOUN
asir-2213	13	19	and	and	CCONJ
asir-2213	13	20	innovative	innovative	ADJ
asir-2213	13	21	research	research	NOUN
asir-2213	13	22	vol	vol	NOUN
asir-2213	13	23	.	.	PUNCT
asir-2213	14	1	3	3	NUM
asir-2213	14	2	,	,	PUNCT
asir-2213	14	3	no	no	INTJ
asir-2213	14	4	.	.	NOUN
asir-2213	14	5	3	3	NUM
asir-2213	14	6	,	,	PUNCT
asir-2213	14	7	2019	2019	NUM
asir-2213	14	8	134	134	NUM
asir-2213	14	9	published	publish	VERB
asir-2213	14	10	by	by	ADP
asir-2213	14	11	scholink	scholink	PROPN
asir-2213	14	12	inc	inc	PROPN
asir-2213	14	13	.	.	PROPN
asir-2213	14	14	were	be	AUX
asir-2213	14	15	imposed	impose	VERB
asir-2213	14	16	on	on	ADP
asir-2213	14	17	banks	bank	NOUN
asir-2213	14	18	.	.	PUNCT
asir-2213	15	1	brownbridge	brownbridge	NOUN
asir-2213	15	2	and	and	CCONJ
asir-2213	15	3	harvey	harvey	PROPN
asir-2213	15	4	(	(	PUNCT
asir-2213	15	5	1998	1998	NUM
asir-2213	15	6	)	)	PUNCT
asir-2213	15	7	note	note	VERB
asir-2213	15	8	that	that	SCONJ
asir-2213	15	9	these	these	DET
asir-2213	15	10	conditions	condition	NOUN
asir-2213	15	11	led	lead	VERB
asir-2213	15	12	to	to	ADP
asir-2213	15	13	a	a	DET
asir-2213	15	14	low	low	ADJ
asir-2213	15	15	cost	cost	NOUN
asir-2213	15	16	of	of	ADP
asir-2213	15	17	credit	credit	NOUN
asir-2213	15	18	aimed	aim	VERB
asir-2213	15	19	at	at	ADP
asir-2213	15	20	encouraging	encourage	VERB
asir-2213	15	21	investments	investment	NOUN
asir-2213	15	22	and	and	CCONJ
asir-2213	15	23	subsidising	subsidise	VERB
asir-2213	15	24	favoured	favoured	ADJ
asir-2213	15	25	borrowers	borrower	NOUN
asir-2213	15	26	.	.	PUNCT
asir-2213	16	1	fry	fry	NOUN
asir-2213	16	2	(	(	PUNCT
asir-2213	16	3	1995	1995	NUM
asir-2213	16	4	)	)	PUNCT
asir-2213	16	5	asserts	assert	VERB
asir-2213	16	6	that	that	SCONJ
asir-2213	16	7	this	this	DET
asir-2213	16	8	practice	practice	NOUN
asir-2213	16	9	also	also	ADV
asir-2213	16	10	led	lead	VERB
asir-2213	16	11	to	to	ADP
asir-2213	16	12	“	"	PUNCT
asir-2213	16	13	higher	high	ADJ
asir-2213	16	14	and	and	CCONJ
asir-2213	16	15	volatile	volatile	ADJ
asir-2213	16	16	inflation	inflation	NOUN
asir-2213	16	17	in	in	ADP
asir-2213	16	18	most	most	ADJ
asir-2213	16	19	developing	develop	VERB
asir-2213	16	20	economies	economy	NOUN
asir-2213	16	21	due	due	ADJ
asir-2213	16	22	to	to	ADP
asir-2213	16	23	distress	distress	NOUN
asir-2213	16	24	borrowing	borrowing	NOUN
asir-2213	16	25	that	that	PRON
asir-2213	16	26	extraordinarily	extraordinarily	ADV
asir-2213	16	27	increased	increase	VERB
asir-2213	16	28	high	high	ADJ
asir-2213	16	29	real	real	ADJ
asir-2213	16	30	loan	loan	NOUN
asir-2213	16	31	rate	rate	NOUN
asir-2213	16	32	of	of	ADP
asir-2213	16	33	interests	interest	NOUN
asir-2213	16	34	”	"	PUNCT
asir-2213	16	35	.	.	PUNCT
asir-2213	17	1	financial	financial	ADJ
asir-2213	17	2	sector	sector	NOUN
asir-2213	17	3	reforms	reform	NOUN
asir-2213	17	4	in	in	ADP
asir-2213	17	5	ghana	ghana	PROPN
asir-2213	17	6	started	start	VERB
asir-2213	17	7	in	in	ADP
asir-2213	17	8	the	the	DET
asir-2213	17	9	late	late	ADJ
asir-2213	17	10	1980s	1980	NOUN
asir-2213	17	11	as	as	ADP
asir-2213	17	12	part	part	NOUN
asir-2213	17	13	of	of	ADP
asir-2213	17	14	the	the	DET
asir-2213	17	15	economic	economic	ADJ
asir-2213	17	16	recovery	recovery	NOUN
asir-2213	17	17	program	program	NOUN
asir-2213	17	18	(	(	PUNCT
asir-2213	17	19	erp	erp	NOUN
asir-2213	17	20	)	)	PUNCT
asir-2213	17	21	introduced	introduce	VERB
asir-2213	17	22	in	in	ADP
asir-2213	17	23	1983	1983	NUM
asir-2213	17	24	.	.	PUNCT
asir-2213	18	1	over	over	ADP
asir-2213	18	2	the	the	DET
asir-2213	18	3	years	year	NOUN
asir-2213	18	4	,	,	PUNCT
asir-2213	18	5	the	the	DET
asir-2213	18	6	reforms	reform	NOUN
asir-2213	18	7	have	have	AUX
asir-2213	18	8	helped	help	VERB
asir-2213	18	9	to	to	PART
asir-2213	18	10	remove	remove	VERB
asir-2213	18	11	controls	control	NOUN
asir-2213	18	12	on	on	ADP
asir-2213	18	13	foreign	foreign	ADJ
asir-2213	18	14	entry	entry	NOUN
asir-2213	18	15	restrictions	restriction	NOUN
asir-2213	18	16	.	.	PUNCT
asir-2213	19	1	the	the	DET
asir-2213	19	2	number	number	NOUN
asir-2213	19	3	of	of	ADP
asir-2213	19	4	commercial	commercial	ADJ
asir-2213	19	5	banks	bank	NOUN
asir-2213	19	6	has	have	AUX
asir-2213	19	7	not	not	PART
asir-2213	19	8	just	just	ADV
asir-2213	19	9	increased	increase	VERB
asir-2213	19	10	,	,	PUNCT
asir-2213	19	11	but	but	CCONJ
asir-2213	19	12	the	the	DET
asir-2213	19	13	requirements	requirement	NOUN
asir-2213	19	14	on	on	ADP
asir-2213	19	15	these	these	DET
asir-2213	19	16	banks	bank	NOUN
asir-2213	19	17	to	to	PART
asir-2213	19	18	extend	extend	VERB
asir-2213	19	19	credit	credit	NOUN
asir-2213	19	20	to	to	ADP
asir-2213	19	21	priority	priority	NOUN
asir-2213	19	22	sectors	sector	NOUN
asir-2213	19	23	have	have	AUX
asir-2213	19	24	also	also	ADV
asir-2213	19	25	been	be	AUX
asir-2213	19	26	removed	remove	VERB
asir-2213	19	27	.	.	PUNCT
asir-2213	20	1	prudential	prudential	ADJ
asir-2213	20	2	regulation	regulation	PROPN
asir-2213	20	3	and	and	CCONJ
asir-2213	20	4	the	the	DET
asir-2213	20	5	supervisory	supervisory	ADJ
asir-2213	20	6	system	system	NOUN
asir-2213	20	7	have	have	AUX
asir-2213	20	8	been	be	AUX
asir-2213	20	9	strengthened	strengthen	VERB
asir-2213	20	10	by	by	ADP
asir-2213	20	11	enacting	enact	VERB
asir-2213	20	12	new	new	ADJ
asir-2213	20	13	banking	banking	NOUN
asir-2213	20	14	laws	law	NOUN
asir-2213	20	15	,	,	PUNCT
asir-2213	20	16	whilst	whilst	SCONJ
asir-2213	20	17	steps	step	NOUN
asir-2213	20	18	have	have	AUX
asir-2213	20	19	been	be	AUX
asir-2213	20	20	taken	take	VERB
asir-2213	20	21	to	to	PART
asir-2213	20	22	develop	develop	VERB
asir-2213	20	23	the	the	DET
asir-2213	20	24	money	money	NOUN
asir-2213	20	25	and	and	CCONJ
asir-2213	20	26	capital	capital	NOUN
asir-2213	20	27	markets	market	NOUN
asir-2213	20	28	.	.	PUNCT
asir-2213	21	1	distressed	distressed	ADJ
asir-2213	21	2	banks	bank	NOUN
asir-2213	21	3	that	that	PRON
asir-2213	21	4	were	be	AUX
asir-2213	21	5	in	in	ADP
asir-2213	21	6	operation	operation	NOUN
asir-2213	21	7	during	during	ADP
asir-2213	21	8	the	the	DET
asir-2213	21	9	repression	repression	NOUN
asir-2213	21	10	period	period	NOUN
asir-2213	21	11	have	have	AUX
asir-2213	21	12	been	be	AUX
asir-2213	21	13	restructured	restructure	VERB
asir-2213	21	14	over	over	ADP
asir-2213	21	15	time	time	NOUN
asir-2213	21	16	,	,	PUNCT
asir-2213	21	17	of	of	ADP
asir-2213	21	18	which	which	PRON
asir-2213	21	19	some	some	PRON
asir-2213	21	20	,	,	PUNCT
asir-2213	21	21	especially	especially	ADV
asir-2213	21	22	the	the	DET
asir-2213	21	23	public	public	ADJ
asir-2213	21	24	sector	sector	NOUN
asir-2213	21	25	banks	bank	NOUN
asir-2213	21	26	have	have	AUX
asir-2213	21	27	either	either	ADV
asir-2213	21	28	been	be	AUX
asir-2213	21	29	liquidated	liquidate	VERB
asir-2213	21	30	or	or	CCONJ
asir-2213	21	31	privatised	privatised	ADJ
asir-2213	21	32	.	.	PUNCT
asir-2213	22	1	policy	policy	NOUN
asir-2213	22	2	measures	measure	NOUN
asir-2213	22	3	have	have	AUX
asir-2213	22	4	also	also	ADV
asir-2213	22	5	been	be	AUX
asir-2213	22	6	taken	take	VERB
asir-2213	22	7	to	to	PART
asir-2213	22	8	develop	develop	VERB
asir-2213	22	9	the	the	DET
asir-2213	22	10	non	non	ADJ
asir-2213	22	11	-	-	ADJ
asir-2213	22	12	bank	bank	ADJ
asir-2213	22	13	financial	financial	ADJ
asir-2213	22	14	institutions	institution	NOUN
asir-2213	22	15	(	(	PUNCT
asir-2213	22	16	nbfis	nbfis	PROPN
asir-2213	22	17	)	)	PUNCT
asir-2213	22	18	with	with	ADP
asir-2213	22	19	the	the	DET
asir-2213	22	20	aim	aim	NOUN
asir-2213	22	21	of	of	ADP
asir-2213	22	22	filling	fill	VERB
asir-2213	22	23	the	the	DET
asir-2213	22	24	gaps	gap	NOUN
asir-2213	22	25	in	in	ADP
asir-2213	22	26	the	the	DET
asir-2213	22	27	entire	entire	ADJ
asir-2213	22	28	banking	banking	NOUN
asir-2213	22	29	system	system	NOUN
asir-2213	22	30	.	.	PUNCT
asir-2213	23	1	the	the	DET
asir-2213	23	2	objectives	objective	NOUN
asir-2213	23	3	of	of	ADP
asir-2213	23	4	the	the	DET
asir-2213	23	5	financial	financial	ADJ
asir-2213	23	6	sector	sector	NOUN
asir-2213	23	7	reforms	reform	NOUN
asir-2213	23	8	have	have	AUX
asir-2213	23	9	been	be	AUX
asir-2213	23	10	to	to	PART
asir-2213	23	11	meet	meet	VERB
asir-2213	23	12	various	various	ADJ
asir-2213	23	13	expectations	expectation	NOUN
asir-2213	23	14	,	,	PUNCT
asir-2213	23	15	of	of	ADP
asir-2213	23	16	which	which	DET
asir-2213	23	17	efficiency	efficiency	NOUN
asir-2213	23	18	improvement	improvement	NOUN
asir-2213	23	19	was	be	AUX
asir-2213	23	20	a	a	DET
asir-2213	23	21	key	key	ADJ
asir-2213	23	22	component	component	NOUN
asir-2213	23	23	through	through	ADP
asir-2213	23	24	competition	competition	NOUN
asir-2213	23	25	among	among	ADP
asir-2213	23	26	financial	financial	ADJ
asir-2213	23	27	institutions	institution	NOUN
asir-2213	23	28	.	.	PUNCT
asir-2213	24	1	the	the	DET
asir-2213	24	2	reforms	reform	NOUN
asir-2213	24	3	were	be	AUX
asir-2213	24	4	to	to	PART
asir-2213	24	5	free	free	VERB
asir-2213	24	6	the	the	DET
asir-2213	24	7	interest	interest	NOUN
asir-2213	24	8	rates	rate	NOUN
asir-2213	24	9	to	to	PART
asir-2213	24	10	be	be	AUX
asir-2213	24	11	set	set	VERB
asir-2213	24	12	by	by	ADP
asir-2213	24	13	the	the	DET
asir-2213	24	14	market	market	NOUN
asir-2213	24	15	and	and	CCONJ
asir-2213	24	16	to	to	PART
asir-2213	24	17	allow	allow	VERB
asir-2213	24	18	banks	bank	NOUN
asir-2213	24	19	to	to	PART
asir-2213	24	20	lend	lend	VERB
asir-2213	24	21	on	on	ADP
asir-2213	24	22	commercial	commercial	ADJ
asir-2213	24	23	considerations	consideration	NOUN
asir-2213	24	24	alone	alone	ADV
asir-2213	24	25	.	.	PUNCT
asir-2213	25	1	it	it	PRON
asir-2213	25	2	is	be	AUX
asir-2213	25	3	expected	expect	VERB
asir-2213	25	4	that	that	SCONJ
asir-2213	25	5	as	as	ADP
asir-2213	25	6	competition	competition	NOUN
asir-2213	25	7	increases	increase	NOUN
asir-2213	25	8	,	,	PUNCT
asir-2213	25	9	the	the	DET
asir-2213	25	10	spread	spread	NOUN
asir-2213	25	11	between	between	ADP
asir-2213	25	12	lending	lending	NOUN
asir-2213	25	13	and	and	CCONJ
asir-2213	25	14	deposit	deposit	NOUN
asir-2213	25	15	interest	interest	NOUN
asir-2213	25	16	rates	rate	NOUN
asir-2213	25	17	should	should	AUX
asir-2213	25	18	narrow	narrow	VERB
asir-2213	25	19	due	due	ADJ
asir-2213	25	20	to	to	ADP
asir-2213	25	21	efficient	efficient	ADJ
asir-2213	25	22	business	business	NOUN
asir-2213	25	23	practices	practice	NOUN
asir-2213	25	24	.	.	PUNCT
asir-2213	26	1	it	it	PRON
asir-2213	26	2	is	be	AUX
asir-2213	26	3	assumed	assume	VERB
asir-2213	26	4	that	that	SCONJ
asir-2213	26	5	a	a	DET
asir-2213	26	6	very	very	ADV
asir-2213	26	7	large	large	ADJ
asir-2213	26	8	spread	spread	NOUN
asir-2213	26	9	between	between	ADP
asir-2213	26	10	the	the	DET
asir-2213	26	11	two	two	NUM
asir-2213	26	12	rates	rate	NOUN
asir-2213	26	13	reflects	reflect	VERB
asir-2213	26	14	low	low	ADJ
asir-2213	26	15	competitiveness	competitiveness	NOUN
asir-2213	26	16	and	and	CCONJ
asir-2213	26	17	is	be	AUX
asir-2213	26	18	thus	thus	ADV
asir-2213	26	19	a	a	DET
asir-2213	26	20	deterrent	deterrent	NOUN
asir-2213	26	21	to	to	ADP
asir-2213	26	22	the	the	DET
asir-2213	26	23	overall	overall	ADJ
asir-2213	26	24	development	development	NOUN
asir-2213	26	25	and	and	CCONJ
asir-2213	26	26	progress	progress	NOUN
asir-2213	26	27	of	of	ADP
asir-2213	26	28	financial	financial	ADJ
asir-2213	26	29	intermediation	intermediation	NOUN
asir-2213	26	30	.	.	PUNCT
asir-2213	27	1	in	in	ADP
asir-2213	27	2	this	this	DET
asir-2213	27	3	vein	vein	NOUN
asir-2213	27	4	,	,	PUNCT
asir-2213	27	5	the	the	DET
asir-2213	27	6	growth	growth	NOUN
asir-2213	27	7	potential	potential	NOUN
asir-2213	27	8	of	of	ADP
asir-2213	27	9	an	an	DET
asir-2213	27	10	economy	economy	NOUN
asir-2213	27	11	is	be	AUX
asir-2213	27	12	lowered	lower	VERB
asir-2213	27	13	because	because	SCONJ
asir-2213	27	14	most	most	ADJ
asir-2213	27	15	savers	saver	NOUN
asir-2213	27	16	are	be	AUX
asir-2213	27	17	discouraged	discourage	VERB
asir-2213	27	18	from	from	ADP
asir-2213	27	19	depositing	deposit	VERB
asir-2213	27	20	their	their	PRON
asir-2213	27	21	funds	fund	NOUN
asir-2213	27	22	with	with	ADP
asir-2213	27	23	low	low	ADJ
asir-2213	27	24	returns	return	NOUN
asir-2213	27	25	,	,	PUNCT
asir-2213	27	26	whilst	whilst	SCONJ
asir-2213	27	27	financing	financing	NOUN
asir-2213	27	28	is	be	AUX
asir-2213	27	29	limited	limit	VERB
asir-2213	27	30	to	to	ADP
asir-2213	27	31	potential	potential	ADJ
asir-2213	27	32	borrowers	borrower	NOUN
asir-2213	27	33	with	with	ADP
asir-2213	27	34	high	high	ADJ
asir-2213	27	35	lending	lending	NOUN
asir-2213	27	36	rates	rate	NOUN
asir-2213	27	37	.	.	PUNCT
asir-2213	28	1	faster	fast	ADJ
asir-2213	28	2	rates	rate	NOUN
asir-2213	28	3	of	of	ADP
asir-2213	28	4	economic	economic	ADJ
asir-2213	28	5	growth	growth	NOUN
asir-2213	28	6	witnessed	witness	VERB
asir-2213	28	7	in	in	ADP
asir-2213	28	8	recent	recent	ADJ
asir-2213	28	9	years	year	NOUN
asir-2213	28	10	in	in	ADP
asir-2213	28	11	ghana	ghana	PROPN
asir-2213	28	12	have	have	AUX
asir-2213	28	13	been	be	AUX
asir-2213	28	14	accompanied	accompany	VERB
asir-2213	28	15	by	by	ADP
asir-2213	28	16	the	the	DET
asir-2213	28	17	economic	economic	ADJ
asir-2213	28	18	and	and	CCONJ
asir-2213	28	19	financial	financial	ADJ
asir-2213	28	20	reforms	reform	NOUN
asir-2213	28	21	.	.	PUNCT
asir-2213	29	1	inflation	inflation	NOUN
asir-2213	29	2	has	have	AUX
asir-2213	29	3	tremendously	tremendously	ADV
asir-2213	29	4	declined	decline	VERB
asir-2213	29	5	,	,	PUNCT
asir-2213	29	6	whilst	whilst	SCONJ
asir-2213	29	7	there	there	PRON
asir-2213	29	8	is	be	VERB
asir-2213	29	9	an	an	DET
asir-2213	29	10	evidence	evidence	NOUN
asir-2213	29	11	of	of	ADP
asir-2213	29	12	financial	financial	ADJ
asir-2213	29	13	depth	depth	NOUN
asir-2213	29	14	taking	taking	NOUN
asir-2213	29	15	place	place	NOUN
asir-2213	29	16	(	(	PUNCT
asir-2213	29	17	see	see	VERB
asir-2213	29	18	figures	figure	NOUN
asir-2213	29	19	a.1	a.1	PUNCT
asir-2213	29	20	and	and	CCONJ
asir-2213	29	21	a.2	a.2	X
asir-2213	29	22	in	in	ADP
asir-2213	29	23	appendix	appendix	NOUN
asir-2213	29	24	)	)	PUNCT
asir-2213	29	25	.	.	PUNCT
asir-2213	30	1	despite	despite	SCONJ
asir-2213	30	2	these	these	DET
asir-2213	30	3	developments	development	NOUN
asir-2213	30	4	,	,	PUNCT
asir-2213	30	5	the	the	DET
asir-2213	30	6	exact	exact	ADJ
asir-2213	30	7	contributions	contribution	NOUN
asir-2213	30	8	of	of	ADP
asir-2213	30	9	the	the	DET
asir-2213	30	10	various	various	ADJ
asir-2213	30	11	aspects	aspect	NOUN
asir-2213	30	12	of	of	ADP
asir-2213	30	13	the	the	DET
asir-2213	30	14	liberalisation	liberalisation	NOUN
asir-2213	30	15	process	process	NOUN
asir-2213	30	16	to	to	ADP
asir-2213	30	17	economic	economic	ADJ
asir-2213	30	18	growth	growth	NOUN
asir-2213	30	19	are	be	AUX
asir-2213	30	20	not	not	PART
asir-2213	30	21	clear	clear	ADJ
asir-2213	30	22	.	.	PUNCT
asir-2213	31	1	although	although	SCONJ
asir-2213	31	2	commercial	commercial	ADJ
asir-2213	31	3	bank	bank	NOUN
asir-2213	31	4	lending	lending	NOUN
asir-2213	31	5	rates	rate	NOUN
asir-2213	31	6	(	(	PUNCT
asir-2213	31	7	note	note	NOUN
asir-2213	31	8	1	1	NUM
asir-2213	31	9	)	)	PUNCT
asir-2213	31	10	are	be	AUX
asir-2213	31	11	falling	fall	VERB
asir-2213	31	12	,	,	PUNCT
asir-2213	31	13	the	the	DET
asir-2213	31	14	interest	interest	NOUN
asir-2213	31	15	rate	rate	NOUN
asir-2213	31	16	spread	spread	NOUN
asir-2213	31	17	(	(	PUNCT
asir-2213	31	18	note	note	NOUN
asir-2213	31	19	2	2	NUM
asir-2213	31	20	)	)	PUNCT
asir-2213	31	21	and	and	CCONJ
asir-2213	31	22	net	net	ADJ
asir-2213	31	23	interest	interest	NOUN
asir-2213	31	24	margin	margin	NOUN
asir-2213	31	25	(	(	PUNCT
asir-2213	31	26	note	note	NOUN
asir-2213	31	27	3	3	NUM
asir-2213	31	28	)	)	PUNCT
asir-2213	31	29	in	in	ADP
asir-2213	31	30	ghana	ghana	PROPN
asir-2213	31	31	still	still	ADV
asir-2213	31	32	remain	remain	VERB
asir-2213	31	33	very	very	ADV
asir-2213	31	34	high	high	ADJ
asir-2213	31	35	(	(	PUNCT
asir-2213	31	36	figures	figure	NOUN
asir-2213	31	37	a.3	a.3	ADJ
asir-2213	31	38	and	and	CCONJ
asir-2213	31	39	a.4	a.4	ADV
asir-2213	31	40	,	,	PUNCT
asir-2213	31	41	respectively	respectively	ADV
asir-2213	31	42	)	)	PUNCT
asir-2213	31	43	.	.	PUNCT
asir-2213	32	1	in	in	ADP
asir-2213	32	2	comparison	comparison	NOUN
asir-2213	32	3	with	with	ADP
asir-2213	32	4	5	5	NUM
asir-2213	32	5	other	other	ADJ
asir-2213	32	6	african	african	ADJ
asir-2213	32	7	reforming	reform	VERB
asir-2213	32	8	economies	economy	NOUN
asir-2213	32	9	over	over	ADP
asir-2213	32	10	the	the	DET
asir-2213	32	11	period	period	NOUN
asir-2213	32	12	1997	1997	NUM
asir-2213	32	13	-	-	SYM
asir-2213	32	14	2006	2006	NUM
asir-2213	32	15	,	,	PUNCT
asir-2213	32	16	ghana	ghana	PROPN
asir-2213	32	17	’s	’s	PART
asir-2213	32	18	net	net	ADJ
asir-2213	32	19	interest	interest	NOUN
asir-2213	32	20	margin	margin	NOUN
asir-2213	32	21	appears	appear	VERB
asir-2213	32	22	to	to	PART
asir-2213	32	23	be	be	AUX
asir-2213	32	24	relatively	relatively	ADV
asir-2213	32	25	high	high	ADJ
asir-2213	32	26	.	.	PUNCT
asir-2213	33	1	at	at	ADP
asir-2213	33	2	the	the	DET
asir-2213	33	3	end	end	NOUN
asir-2213	33	4	of	of	ADP
asir-2213	33	5	2006	2006	NUM
asir-2213	33	6	,	,	PUNCT
asir-2213	33	7	the	the	DET
asir-2213	33	8	country	country	NOUN
asir-2213	33	9	’s	’s	PART
asir-2213	33	10	net	net	ADJ
asir-2213	33	11	interest	interest	NOUN
asir-2213	33	12	margin	margin	NOUN
asir-2213	33	13	is	be	AUX
asir-2213	33	14	virtually	virtually	ADV
asir-2213	33	15	twice	twice	ADV
asir-2213	33	16	of	of	ADP
asir-2213	33	17	those	those	PRON
asir-2213	33	18	for	for	ADP
asir-2213	33	19	botswana	botswana	PROPN
asir-2213	33	20	,	,	PUNCT
asir-2213	33	21	ethiopia	ethiopia	PROPN
asir-2213	33	22	and	and	CCONJ
asir-2213	33	23	nigeria	nigeria	PROPN
asir-2213	33	24	(	(	PUNCT
asir-2213	33	25	see	see	VERB
asir-2213	33	26	table	table	NOUN
asir-2213	33	27	a.1	a.1	PROPN
asir-2213	33	28	in	in	ADP
asir-2213	33	29	appendix	appendix	NOUN
asir-2213	33	30	)	)	PUNCT
asir-2213	33	31	.	.	PUNCT
asir-2213	34	1	the	the	DET
asir-2213	34	2	essence	essence	NOUN
asir-2213	34	3	of	of	ADP
asir-2213	34	4	this	this	DET
asir-2213	34	5	paper	paper	NOUN
asir-2213	34	6	is	be	AUX
asir-2213	34	7	to	to	PART
asir-2213	34	8	examine	examine	VERB
asir-2213	34	9	the	the	DET
asir-2213	34	10	effect	effect	NOUN
asir-2213	34	11	of	of	ADP
asir-2213	34	12	the	the	DET
asir-2213	34	13	reforms	reform	NOUN
asir-2213	34	14	on	on	ADP
asir-2213	34	15	ghana	ghana	PROPN
asir-2213	34	16	’s	’s	PART
asir-2213	34	17	bank	bank	PROPN
asir-2213	34	18	interest	interest	NOUN
asir-2213	34	19	margin	margin	NOUN
asir-2213	34	20	.	.	PUNCT
asir-2213	35	1	despite	despite	SCONJ
asir-2213	35	2	recent	recent	ADJ
asir-2213	35	3	empirical	empirical	ADJ
asir-2213	35	4	studies	study	NOUN
asir-2213	35	5	that	that	PRON
asir-2213	35	6	have	have	AUX
asir-2213	35	7	been	be	AUX
asir-2213	35	8	embarked	embark	VERB
asir-2213	35	9	on	on	ADP
asir-2213	35	10	this	this	DET
asir-2213	35	11	topic	topic	NOUN
asir-2213	35	12	,	,	PUNCT
asir-2213	35	13	limited	limited	ADJ
asir-2213	35	14	research	research	NOUN
asir-2213	35	15	has	have	AUX
asir-2213	35	16	been	be	AUX
asir-2213	35	17	carried	carry	VERB
asir-2213	35	18	out	out	ADP
asir-2213	35	19	on	on	ADP
asir-2213	35	20	the	the	DET
asir-2213	35	21	african	african	ADJ
asir-2213	35	22	reforming	reform	VERB
asir-2213	35	23	economies	economy	NOUN
asir-2213	35	24	.	.	PUNCT
asir-2213	36	1	the	the	DET
asir-2213	36	2	study	study	NOUN
asir-2213	36	3	aims	aim	VERB
asir-2213	36	4	to	to	PART
asir-2213	36	5	contribute	contribute	VERB
asir-2213	36	6	to	to	ADP
asir-2213	36	7	the	the	DET
asir-2213	36	8	limited	limited	ADJ
asir-2213	36	9	empirical	empirical	ADJ
asir-2213	36	10	literature	literature	NOUN
asir-2213	36	11	within	within	ADP
asir-2213	36	12	the	the	DET
asir-2213	36	13	sub	sub	ADJ
asir-2213	36	14	-	-	ADJ
asir-2213	36	15	saharan	saharan	ADJ
asir-2213	36	16	african	african	ADJ
asir-2213	36	17	region	region	NOUN
asir-2213	36	18	.	.	PUNCT
asir-2213	37	1	theoretical	theoretical	ADJ
asir-2213	37	2	arguments	argument	NOUN
asir-2213	37	3	that	that	PRON
asir-2213	37	4	explain	explain	VERB
asir-2213	37	5	the	the	DET
asir-2213	37	6	behaviour	behaviour	NOUN
asir-2213	37	7	of	of	ADP
asir-2213	37	8	bank	bank	NOUN
asir-2213	37	9	interest	interest	NOUN
asir-2213	37	10	margins	margin	NOUN
asir-2213	37	11	are	be	AUX
asir-2213	37	12	tested	test	VERB
asir-2213	37	13	and	and	CCONJ
asir-2213	37	14	examined	examine	VERB
asir-2213	37	15	to	to	PART
asir-2213	37	16	ascertain	ascertain	VERB
asir-2213	37	17	how	how	SCONJ
asir-2213	37	18	they	they	PRON
asir-2213	37	19	describe	describe	VERB
asir-2213	37	20	the	the	DET
asir-2213	37	21	reforming	reform	VERB
asir-2213	37	22	economies	economy	NOUN
asir-2213	37	23	of	of	ADP
asir-2213	37	24	sub	sub	ADJ
asir-2213	37	25	-	-	ADJ
asir-2213	37	26	saharan	saharan	ADJ
asir-2213	37	27	africa	africa	PROPN
asir-2213	37	28	after	after	ADP
asir-2213	37	29	major	major	ADJ
asir-2213	37	30	financial	financial	ADJ
asir-2213	37	31	sector	sector	NOUN
asir-2213	37	32	reforms	reform	NOUN
asir-2213	37	33	.	.	PUNCT
asir-2213	38	1	implications	implication	NOUN
asir-2213	38	2	for	for	ADP
asir-2213	38	3	ghanaian	ghanaian	ADJ
asir-2213	38	4	financial	financial	ADJ
asir-2213	38	5	sector	sector	NOUN
asir-2213	38	6	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	38	7	applied	apply	VERB
asir-2213	38	8	science	science	NOUN
asir-2213	38	9	and	and	CCONJ
asir-2213	38	10	innovative	innovative	ADJ
asir-2213	38	11	research	research	NOUN
asir-2213	38	12	vol	vol	NOUN
asir-2213	38	13	.	.	PUNCT
asir-2213	39	1	3	3	NUM
asir-2213	39	2	,	,	PUNCT
asir-2213	39	3	no	no	INTJ
asir-2213	39	4	.	.	NOUN
asir-2213	39	5	3	3	NUM
asir-2213	39	6	,	,	PUNCT
asir-2213	39	7	2019	2019	NUM
asir-2213	39	8	135	135	NUM
asir-2213	39	9	published	publish	VERB
asir-2213	39	10	by	by	ADP
asir-2213	39	11	scholink	scholink	PROPN
asir-2213	39	12	inc	inc	PROPN
asir-2213	39	13	.	.	PROPN
asir-2213	39	14	reform	reform	NOUN
asir-2213	39	15	policies	policy	NOUN
asir-2213	39	16	are	be	AUX
asir-2213	39	17	derived	derive	VERB
asir-2213	39	18	from	from	ADP
asir-2213	39	19	the	the	DET
asir-2213	39	20	findings	finding	NOUN
asir-2213	39	21	.	.	PUNCT
asir-2213	40	1	the	the	DET
asir-2213	40	2	remainder	remainder	NOUN
asir-2213	40	3	of	of	ADP
asir-2213	40	4	the	the	DET
asir-2213	40	5	paper	paper	NOUN
asir-2213	40	6	is	be	AUX
asir-2213	40	7	organised	organise	VERB
asir-2213	40	8	as	as	SCONJ
asir-2213	40	9	follows	follow	VERB
asir-2213	40	10	.	.	PUNCT
asir-2213	41	1	section	section	NOUN
asir-2213	41	2	2	2	NUM
asir-2213	41	3	reviews	review	VERB
asir-2213	41	4	the	the	DET
asir-2213	41	5	relevant	relevant	ADJ
asir-2213	41	6	literature	literature	NOUN
asir-2213	41	7	surrounding	surround	VERB
asir-2213	41	8	the	the	DET
asir-2213	41	9	research	research	NOUN
asir-2213	41	10	topic	topic	NOUN
asir-2213	41	11	.	.	PUNCT
asir-2213	42	1	the	the	DET
asir-2213	42	2	empirical	empirical	ADJ
asir-2213	42	3	model	model	NOUN
asir-2213	42	4	employed	employ	VERB
asir-2213	42	5	is	be	AUX
asir-2213	42	6	described	describe	VERB
asir-2213	42	7	in	in	ADP
asir-2213	42	8	section	section	NOUN
asir-2213	42	9	3	3	NUM
asir-2213	42	10	,	,	PUNCT
asir-2213	42	11	alongside	alongside	ADP
asir-2213	42	12	description	description	NOUN
asir-2213	42	13	of	of	ADP
asir-2213	42	14	data	datum	NOUN
asir-2213	42	15	used	use	VERB
asir-2213	42	16	in	in	ADP
asir-2213	42	17	the	the	DET
asir-2213	42	18	study	study	NOUN
asir-2213	42	19	.	.	PUNCT
asir-2213	43	1	section	section	NOUN
asir-2213	43	2	4	4	NUM
asir-2213	43	3	focuses	focus	VERB
asir-2213	43	4	on	on	ADP
asir-2213	43	5	the	the	DET
asir-2213	43	6	results	result	NOUN
asir-2213	43	7	of	of	ADP
asir-2213	43	8	the	the	DET
asir-2213	43	9	study	study	NOUN
asir-2213	43	10	,	,	PUNCT
asir-2213	43	11	followed	follow	VERB
asir-2213	43	12	by	by	ADP
asir-2213	43	13	the	the	DET
asir-2213	43	14	conclusion	conclusion	NOUN
asir-2213	43	15	in	in	ADP
asir-2213	43	16	section	section	NOUN
asir-2213	43	17	5	5	NUM
asir-2213	43	18	.	.	NOUN
asir-2213	43	19	2	2	NUM
asir-2213	43	20	.	.	X
asir-2213	43	21	determinants	determinant	NOUN
asir-2213	43	22	of	of	ADP
asir-2213	43	23	bank	bank	NOUN
asir-2213	43	24	interest	interest	NOUN
asir-2213	43	25	margin	margin	NOUN
asir-2213	43	26	:	:	PUNCT
asir-2213	43	27	a	a	DET
asir-2213	43	28	brief	brief	ADJ
asir-2213	43	29	literature	literature	NOUN
asir-2213	43	30	review	review	NOUN
asir-2213	43	31	the	the	DET
asir-2213	43	32	most	most	ADV
asir-2213	43	33	widely	widely	ADV
asir-2213	43	34	frequently	frequently	ADV
asir-2213	43	35	studied	study	VERB
asir-2213	43	36	country	country	NOUN
asir-2213	43	37	with	with	ADP
asir-2213	43	38	regards	regard	NOUN
asir-2213	43	39	to	to	ADP
asir-2213	43	40	bank	bank	NOUN
asir-2213	43	41	interest	interest	NOUN
asir-2213	43	42	margins	margin	NOUN
asir-2213	43	43	is	be	AUX
asir-2213	43	44	the	the	DET
asir-2213	43	45	u.s	u.s	PROPN
asir-2213	43	46	.	.	PROPN
asir-2213	43	47	(	(	PUNCT
asir-2213	43	48	see	see	VERB
asir-2213	43	49	,	,	PUNCT
asir-2213	43	50	for	for	ADP
asir-2213	43	51	example	example	NOUN
asir-2213	43	52	,	,	PUNCT
asir-2213	43	53	angbazo	angbazo	NOUN
asir-2213	43	54	,	,	PUNCT
asir-2213	43	55	1997	1997	NUM
asir-2213	43	56	;	;	PUNCT
asir-2213	43	57	hanweck	hanweck	NOUN
asir-2213	43	58	&	&	CCONJ
asir-2213	43	59	ryu	ryu	PROPN
asir-2213	43	60	,	,	PUNCT
asir-2213	43	61	2005	2005	NUM
asir-2213	43	62	)	)	PUNCT
asir-2213	43	63	,	,	PUNCT
asir-2213	43	64	though	though	SCONJ
asir-2213	43	65	a	a	DET
asir-2213	43	66	large	large	ADJ
asir-2213	43	67	number	number	NOUN
asir-2213	43	68	of	of	ADP
asir-2213	43	69	recent	recent	ADJ
asir-2213	43	70	studies	study	NOUN
asir-2213	43	71	have	have	AUX
asir-2213	43	72	examined	examine	VERB
asir-2213	43	73	other	other	ADJ
asir-2213	43	74	countries	country	NOUN
asir-2213	43	75	such	such	ADJ
asir-2213	43	76	as	as	ADP
asir-2213	43	77	venezuela	venezuela	PROPN
asir-2213	43	78	(	(	PUNCT
asir-2213	43	79	vera	vera	NOUN
asir-2213	43	80	et	et	NOUN
asir-2213	43	81	al	al	PROPN
asir-2213	43	82	.	.	PROPN
asir-2213	43	83	,	,	PUNCT
asir-2213	43	84	2007	2007	NUM
asir-2213	43	85	)	)	PUNCT
asir-2213	43	86	,	,	PUNCT
asir-2213	43	87	pakistan	pakistan	PROPN
asir-2213	43	88	(	(	PUNCT
asir-2213	43	89	khawaja	khawaja	PROPN
asir-2213	43	90	&	&	CCONJ
asir-2213	43	91	din	din	PROPN
asir-2213	43	92	,	,	PUNCT
asir-2213	43	93	2007	2007	NUM
asir-2213	43	94	)	)	PUNCT
asir-2213	43	95	,	,	PUNCT
asir-2213	43	96	tunisia	tunisia	NOUN
asir-2213	43	97	(	(	PUNCT
asir-2213	43	98	naceur	naceur	ADV
asir-2213	43	99	&	&	CCONJ
asir-2213	43	100	goaied	goaie	VERB
asir-2213	43	101	,	,	PUNCT
asir-2213	43	102	2005	2005	NUM
asir-2213	43	103	)	)	PUNCT
asir-2213	43	104	,	,	PUNCT
asir-2213	43	105	brazil	brazil	PROPN
asir-2213	43	106	(	(	PUNCT
asir-2213	43	107	afanasieff	afanasieff	PROPN
asir-2213	43	108	et	et	PROPN
asir-2213	43	109	al	al	PROPN
asir-2213	43	110	.	.	PROPN
asir-2213	43	111	,	,	PUNCT
asir-2213	43	112	2002	2002	NUM
asir-2213	43	113	)	)	PUNCT
asir-2213	43	114	,	,	PUNCT
asir-2213	43	115	barbados	barbado	NOUN
asir-2213	43	116	(	(	PUNCT
asir-2213	43	117	samuel	samuel	PROPN
asir-2213	43	118	&	&	CCONJ
asir-2213	43	119	valderrama	valderrama	PROPN
asir-2213	43	120	,	,	PUNCT
asir-2213	43	121	2006	2006	NUM
asir-2213	43	122	)	)	PUNCT
asir-2213	43	123	and	and	CCONJ
asir-2213	43	124	australia	australia	PROPN
asir-2213	43	125	(	(	PUNCT
asir-2213	43	126	williams	williams	PROPN
asir-2213	43	127	,	,	PUNCT
asir-2213	43	128	2007	2007	NUM
asir-2213	43	129	)	)	PUNCT
asir-2213	43	130	.	.	PUNCT
asir-2213	44	1	financial	financial	ADJ
asir-2213	44	2	reforms	reform	NOUN
asir-2213	44	3	are	be	AUX
asir-2213	44	4	expected	expect	VERB
asir-2213	44	5	to	to	PART
asir-2213	44	6	allow	allow	VERB
asir-2213	44	7	intermediation	intermediation	NOUN
asir-2213	44	8	spreads	spread	VERB
asir-2213	44	9	in	in	ADP
asir-2213	44	10	developing	develop	VERB
asir-2213	44	11	economies	economy	NOUN
asir-2213	44	12	to	to	PART
asir-2213	44	13	converge	converge	VERB
asir-2213	44	14	with	with	ADP
asir-2213	44	15	those	those	PRON
asir-2213	44	16	experienced	experience	VERB
asir-2213	44	17	in	in	ADP
asir-2213	44	18	advanced	advanced	ADJ
asir-2213	44	19	countries	country	NOUN
asir-2213	44	20	.	.	PUNCT
asir-2213	45	1	as	as	SCONJ
asir-2213	45	2	cited	cite	VERB
asir-2213	45	3	in	in	ADP
asir-2213	45	4	barajas	barajas	PROPN
asir-2213	45	5	et	et	PROPN
asir-2213	45	6	al	al	PROPN
asir-2213	45	7	.	.	PROPN
asir-2213	46	1	(	(	PUNCT
asir-2213	46	2	1998	1998	NUM
asir-2213	46	3	)	)	PUNCT
asir-2213	46	4	,	,	PUNCT
asir-2213	46	5	hanson	hanson	PROPN
asir-2213	46	6	and	and	CCONJ
asir-2213	46	7	de	de	PROPN
asir-2213	46	8	rezende	rezende	PROPN
asir-2213	46	9	rocha	rocha	PROPN
asir-2213	46	10	(	(	PUNCT
asir-2213	46	11	1986	1986	NUM
asir-2213	46	12	)	)	PUNCT
asir-2213	46	13	note	note	VERB
asir-2213	46	14	that	that	SCONJ
asir-2213	46	15	“	"	PUNCT
asir-2213	46	16	financial	financial	ADJ
asir-2213	46	17	systems	system	NOUN
asir-2213	46	18	in	in	ADP
asir-2213	46	19	developing	develop	VERB
asir-2213	46	20	countries	country	NOUN
asir-2213	46	21	have	have	AUX
asir-2213	46	22	been	be	AUX
asir-2213	46	23	shown	show	VERB
asir-2213	46	24	to	to	PART
asir-2213	46	25	exhibit	exhibit	VERB
asir-2213	46	26	significantly	significantly	ADV
asir-2213	46	27	and	and	CCONJ
asir-2213	46	28	persistently	persistently	ADV
asir-2213	46	29	larger	large	ADJ
asir-2213	46	30	intermediation	intermediation	NOUN
asir-2213	46	31	spreads	spread	VERB
asir-2213	46	32	on	on	ADP
asir-2213	46	33	average	average	ADJ
asir-2213	46	34	than	than	ADP
asir-2213	46	35	those	those	PRON
asir-2213	46	36	in	in	ADP
asir-2213	46	37	developed	develop	VERB
asir-2213	46	38	countries	country	NOUN
asir-2213	46	39	,	,	PUNCT
asir-2213	46	40	notably	notably	ADV
asir-2213	46	41	due	due	ADJ
asir-2213	46	42	to	to	ADP
asir-2213	46	43	such	such	ADJ
asir-2213	46	44	factors	factor	NOUN
asir-2213	46	45	as	as	ADP
asir-2213	46	46	high	high	ADJ
asir-2213	46	47	operating	operating	NOUN
asir-2213	46	48	costs	cost	NOUN
asir-2213	46	49	,	,	PUNCT
asir-2213	46	50	financial	financial	ADJ
asir-2213	46	51	taxation	taxation	NOUN
asir-2213	46	52	or	or	CCONJ
asir-2213	46	53	repression	repression	NOUN
asir-2213	46	54	,	,	PUNCT
asir-2213	46	55	lack	lack	NOUN
asir-2213	46	56	of	of	ADP
asir-2213	46	57	competition	competition	NOUN
asir-2213	46	58	,	,	PUNCT
asir-2213	46	59	and	and	CCONJ
asir-2213	46	60	high	high	ADJ
asir-2213	46	61	inflation	inflation	NOUN
asir-2213	46	62	rates	rate	NOUN
asir-2213	46	63	”	"	PUNCT
asir-2213	46	64	.	.	PUNCT
asir-2213	47	1	in	in	ADP
asir-2213	47	2	spite	spite	NOUN
asir-2213	47	3	of	of	ADP
asir-2213	47	4	all	all	DET
asir-2213	47	5	the	the	DET
asir-2213	47	6	recent	recent	ADJ
asir-2213	47	7	developments	development	NOUN
asir-2213	47	8	,	,	PUNCT
asir-2213	47	9	the	the	DET
asir-2213	47	10	study	study	NOUN
asir-2213	47	11	of	of	ADP
asir-2213	47	12	afanasieff	afanasieff	PROPN
asir-2213	47	13	et	et	PROPN
asir-2213	47	14	al	al	PROPN
asir-2213	47	15	.	.	PROPN
asir-2213	48	1	(	(	PUNCT
asir-2213	48	2	2002	2002	NUM
asir-2213	48	3	)	)	PUNCT
asir-2213	48	4	reveals	reveal	VERB
asir-2213	48	5	high	high	ADJ
asir-2213	48	6	bank	bank	NOUN
asir-2213	48	7	interest	interest	NOUN
asir-2213	48	8	margins	margin	NOUN
asir-2213	48	9	in	in	ADP
asir-2213	48	10	brazil	brazil	PROPN
asir-2213	48	11	when	when	SCONJ
asir-2213	48	12	compared	compare	VERB
asir-2213	48	13	to	to	ADP
asir-2213	48	14	international	international	ADJ
asir-2213	48	15	standards	standard	NOUN
asir-2213	48	16	.	.	PUNCT
asir-2213	49	1	a	a	DET
asir-2213	49	2	recent	recent	ADJ
asir-2213	49	3	study	study	NOUN
asir-2213	49	4	in	in	ADP
asir-2213	49	5	malawi	malawi	PROPN
asir-2213	49	6	by	by	ADP
asir-2213	49	7	mlachila	mlachila	NOUN
asir-2213	49	8	and	and	CCONJ
asir-2213	49	9	chirwa	chirwa	NOUN
asir-2213	49	10	(	(	PUNCT
asir-2213	49	11	2002	2002	NUM
asir-2213	49	12	)	)	PUNCT
asir-2213	49	13	shows	show	VERB
asir-2213	49	14	that	that	SCONJ
asir-2213	49	15	bank	bank	NOUN
asir-2213	49	16	interest	interest	NOUN
asir-2213	49	17	spreads	spread	NOUN
asir-2213	49	18	remain	remain	VERB
asir-2213	49	19	high	high	ADJ
asir-2213	49	20	in	in	ADP
asir-2213	49	21	the	the	DET
asir-2213	49	22	period	period	NOUN
asir-2213	49	23	after	after	ADP
asir-2213	49	24	financial	financial	ADJ
asir-2213	49	25	sector	sector	NOUN
asir-2213	49	26	reforms	reform	NOUN
asir-2213	49	27	.	.	PUNCT
asir-2213	50	1	the	the	DET
asir-2213	50	2	same	same	ADJ
asir-2213	50	3	pattern	pattern	NOUN
asir-2213	50	4	has	have	AUX
asir-2213	50	5	been	be	AUX
asir-2213	50	6	observed	observe	VERB
asir-2213	50	7	in	in	ADP
asir-2213	50	8	kenya	kenya	PROPN
asir-2213	50	9	(	(	PUNCT
asir-2213	50	10	ngugi	ngugi	PROPN
asir-2213	50	11	,	,	PUNCT
asir-2213	50	12	2001	2001	NUM
asir-2213	50	13	)	)	PUNCT
asir-2213	50	14	,	,	PUNCT
asir-2213	50	15	uganda	uganda	PROPN
asir-2213	50	16	(	(	PUNCT
asir-2213	50	17	aleem	aleem	PROPN
asir-2213	50	18	&	&	CCONJ
asir-2213	50	19	kasekende	kasekende	PROPN
asir-2213	50	20	,	,	PUNCT
asir-2213	50	21	2001	2001	NUM
asir-2213	50	22	;	;	PUNCT
asir-2213	50	23	beck	beck	PROPN
asir-2213	50	24	&	&	CCONJ
asir-2213	50	25	hesse	hesse	PROPN
asir-2213	50	26	,	,	PUNCT
asir-2213	50	27	2009	2009	NUM
asir-2213	50	28	)	)	PUNCT
asir-2213	50	29	and	and	CCONJ
asir-2213	50	30	armenia	armenia	PROPN
asir-2213	50	31	(	(	PUNCT
asir-2213	50	32	dabla	dabla	PROPN
asir-2213	50	33	-	-	PUNCT
asir-2213	50	34	norris	norris	PROPN
asir-2213	50	35	&	&	CCONJ
asir-2213	50	36	floerkemeier	floerkemeier	NOUN
asir-2213	50	37	,	,	PUNCT
asir-2213	50	38	2007	2007	NUM
asir-2213	50	39	)	)	PUNCT
asir-2213	50	40	after	after	ADP
asir-2213	50	41	financial	financial	ADJ
asir-2213	50	42	liberalisation	liberalisation	NOUN
asir-2213	50	43	.	.	PUNCT
asir-2213	51	1	in	in	ADP
asir-2213	51	2	uganda	uganda	PROPN
asir-2213	51	3	for	for	ADP
asir-2213	51	4	instance	instance	NOUN
asir-2213	51	5	,	,	PUNCT
asir-2213	51	6	aleem	aleem	PROPN
asir-2213	51	7	and	and	CCONJ
asir-2213	51	8	kasekende	kasekende	PROPN
asir-2213	51	9	(	(	PUNCT
asir-2213	51	10	2001	2001	NUM
asir-2213	51	11	)	)	PUNCT
asir-2213	51	12	assert	assert	VERB
asir-2213	51	13	that	that	SCONJ
asir-2213	51	14	the	the	DET
asir-2213	51	15	steady	steady	ADJ
asir-2213	51	16	increase	increase	NOUN
asir-2213	51	17	of	of	ADP
asir-2213	51	18	interest	interest	NOUN
asir-2213	51	19	rate	rate	NOUN
asir-2213	51	20	margin	margin	NOUN
asir-2213	51	21	suggests	suggest	VERB
asir-2213	51	22	that	that	SCONJ
asir-2213	51	23	its	its	PRON
asir-2213	51	24	banking	banking	NOUN
asir-2213	51	25	system	system	NOUN
asir-2213	51	26	has	have	VERB
asir-2213	51	27	yet	yet	ADV
asir-2213	51	28	to	to	PART
asir-2213	51	29	benefit	benefit	VERB
asir-2213	51	30	from	from	ADP
asir-2213	51	31	financial	financial	ADJ
asir-2213	51	32	sector	sector	NOUN
asir-2213	51	33	reforms	reform	NOUN
asir-2213	51	34	.	.	PUNCT
asir-2213	52	1	in	in	ADP
asir-2213	52	2	the	the	DET
asir-2213	52	3	case	case	NOUN
asir-2213	52	4	of	of	ADP
asir-2213	52	5	colombia	colombia	PROPN
asir-2213	52	6	,	,	PUNCT
asir-2213	52	7	barajas	barajas	PROPN
asir-2213	52	8	et	et	PROPN
asir-2213	52	9	al	al	PROPN
asir-2213	52	10	.	.	PROPN
asir-2213	53	1	(	(	PUNCT
asir-2213	53	2	2000	2000	NUM
asir-2213	53	3	)	)	PUNCT
asir-2213	53	4	however	however	ADV
asir-2213	53	5	find	find	VERB
asir-2213	53	6	an	an	DET
asir-2213	53	7	evidence	evidence	NOUN
asir-2213	53	8	of	of	ADP
asir-2213	53	9	marginal	marginal	ADJ
asir-2213	53	10	decline	decline	NOUN
asir-2213	53	11	in	in	ADP
asir-2213	53	12	bank	bank	NOUN
asir-2213	53	13	spreads	spread	NOUN
asir-2213	53	14	after	after	ADP
asir-2213	53	15	financial	financial	ADJ
asir-2213	53	16	sector	sector	NOUN
asir-2213	53	17	reforms	reform	NOUN
asir-2213	53	18	.	.	PUNCT
asir-2213	54	1	cross	cross	ADJ
asir-2213	54	2	-	-	ADJ
asir-2213	54	3	country	country	ADJ
asir-2213	54	4	studies	study	NOUN
asir-2213	54	5	on	on	ADP
asir-2213	54	6	the	the	DET
asir-2213	54	7	determinants	determinant	NOUN
asir-2213	54	8	of	of	ADP
asir-2213	54	9	bank	bank	NOUN
asir-2213	54	10	interest	interest	NOUN
asir-2213	54	11	margin	margin	NOUN
asir-2213	54	12	focus	focus	NOUN
asir-2213	54	13	on	on	ADP
asir-2213	54	14	both	both	PRON
asir-2213	54	15	developed	developed	ADJ
asir-2213	54	16	and	and	CCONJ
asir-2213	54	17	developing	develop	VERB
asir-2213	54	18	economies	economy	NOUN
asir-2213	54	19	.	.	PUNCT
asir-2213	55	1	most	most	ADJ
asir-2213	55	2	authors	author	NOUN
asir-2213	55	3	have	have	AUX
asir-2213	55	4	concentrated	concentrate	VERB
asir-2213	55	5	on	on	ADP
asir-2213	55	6	either	either	DET
asir-2213	55	7	one	one	NUM
asir-2213	55	8	of	of	ADP
asir-2213	55	9	these	these	PRON
asir-2213	55	10	or	or	CCONJ
asir-2213	55	11	a	a	DET
asir-2213	55	12	combination	combination	NOUN
asir-2213	55	13	of	of	ADP
asir-2213	55	14	both	both	PRON
asir-2213	55	15	.	.	PUNCT
asir-2213	56	1	a	a	DET
asir-2213	56	2	considerable	considerable	ADJ
asir-2213	56	3	number	number	NOUN
asir-2213	56	4	of	of	ADP
asir-2213	56	5	these	these	DET
asir-2213	56	6	studies	study	NOUN
asir-2213	56	7	emerge	emerge	VERB
asir-2213	56	8	from	from	ADP
asir-2213	56	9	europe	europe	PROPN
asir-2213	56	10	(	(	PUNCT
asir-2213	56	11	maudos	maudo	NOUN
asir-2213	56	12	&	&	CCONJ
asir-2213	56	13	fernández	fernández	PROPN
asir-2213	56	14	de	de	PROPN
asir-2213	56	15	guevara	guevara	PROPN
asir-2213	56	16	,	,	PUNCT
asir-2213	56	17	2004	2004	NUM
asir-2213	56	18	;	;	PUNCT
asir-2213	56	19	carbó	carbó	PROPN
asir-2213	56	20	&	&	CCONJ
asir-2213	56	21	fernández	fernández	PROPN
asir-2213	56	22	,	,	PUNCT
asir-2213	56	23	2007	2007	NUM
asir-2213	56	24	)	)	PUNCT
asir-2213	56	25	,	,	PUNCT
asir-2213	56	26	oecd	oecd	PROPN
asir-2213	56	27	countries	country	NOUN
asir-2213	56	28	(	(	PUNCT
asir-2213	56	29	hawtrey	hawtrey	PROPN
asir-2213	56	30	&	&	CCONJ
asir-2213	56	31	liang	liang	PROPN
asir-2213	56	32	,	,	PUNCT
asir-2213	56	33	2008	2008	NUM
asir-2213	56	34	)	)	PUNCT
asir-2213	56	35	,	,	PUNCT
asir-2213	56	36	latin	latin	PROPN
asir-2213	56	37	america	america	PROPN
asir-2213	56	38	(	(	PUNCT
asir-2213	56	39	brock	brock	PROPN
asir-2213	56	40	&	&	CCONJ
asir-2213	56	41	suarez	suarez	PROPN
asir-2213	56	42	,	,	PUNCT
asir-2213	56	43	2000	2000	NUM
asir-2213	56	44	;	;	PUNCT
asir-2213	56	45	peria	peria	PROPN
asir-2213	56	46	&	&	CCONJ
asir-2213	56	47	mody	mody	PROPN
asir-2213	56	48	,	,	PUNCT
asir-2213	56	49	2004	2004	NUM
asir-2213	56	50	;	;	PUNCT
asir-2213	56	51	gelos	gelo	NOUN
asir-2213	56	52	,	,	PUNCT
asir-2213	56	53	2006	2006	NUM
asir-2213	56	54	)	)	PUNCT
asir-2213	56	55	and	and	CCONJ
asir-2213	56	56	eastern	eastern	ADJ
asir-2213	56	57	caribbean	caribbean	PROPN
asir-2213	56	58	(	(	PUNCT
asir-2213	56	59	randall	randall	PROPN
asir-2213	56	60	,	,	PUNCT
asir-2213	56	61	1998	1998	NUM
asir-2213	56	62	)	)	PUNCT
asir-2213	56	63	.	.	PUNCT
asir-2213	57	1	in	in	ADP
asir-2213	57	2	latin	latin	PROPN
asir-2213	57	3	america	america	PROPN
asir-2213	57	4	for	for	ADP
asir-2213	57	5	instance	instance	NOUN
asir-2213	57	6	,	,	PUNCT
asir-2213	57	7	peria	peria	PROPN
asir-2213	57	8	and	and	CCONJ
asir-2213	57	9	mody	mody	NOUN
asir-2213	57	10	(	(	PUNCT
asir-2213	57	11	2004	2004	NUM
asir-2213	57	12	)	)	PUNCT
asir-2213	57	13	find	find	VERB
asir-2213	57	14	that	that	SCONJ
asir-2213	57	15	foreign	foreign	ADJ
asir-2213	57	16	banks	bank	NOUN
asir-2213	57	17	charge	charge	VERB
asir-2213	57	18	lower	low	ADJ
asir-2213	57	19	spreads	spread	NOUN
asir-2213	57	20	than	than	ADP
asir-2213	57	21	domestic	domestic	ADJ
asir-2213	57	22	banks	bank	NOUN
asir-2213	57	23	.	.	PUNCT
asir-2213	58	1	this	this	DET
asir-2213	58	2	pattern	pattern	NOUN
asir-2213	58	3	is	be	AUX
asir-2213	58	4	more	more	ADV
asir-2213	58	5	evident	evident	ADJ
asir-2213	58	6	for	for	ADP
asir-2213	58	7	de	de	X
asir-2213	58	8	novo	novo	NOUN
asir-2213	58	9	foreign	foreign	ADJ
asir-2213	58	10	banks	bank	NOUN
asir-2213	58	11	than	than	ADP
asir-2213	58	12	for	for	ADP
asir-2213	58	13	those	those	PRON
asir-2213	58	14	that	that	PRON
asir-2213	58	15	entered	enter	VERB
asir-2213	58	16	through	through	ADP
asir-2213	58	17	acquisition	acquisition	NOUN
asir-2213	58	18	.	.	PUNCT
asir-2213	59	1	whilst	whilst	SCONJ
asir-2213	59	2	the	the	DET
asir-2213	59	3	overall	overall	ADJ
asir-2213	59	4	level	level	NOUN
asir-2213	59	5	of	of	ADP
asir-2213	59	6	foreign	foreign	ADJ
asir-2213	59	7	bank	bank	NOUN
asir-2213	59	8	participation	participation	NOUN
asir-2213	59	9	in	in	ADP
asir-2213	59	10	latin	latin	PROPN
asir-2213	59	11	america	america	PROPN
asir-2213	59	12	seems	seem	VERB
asir-2213	59	13	to	to	PART
asir-2213	59	14	influence	influence	VERB
asir-2213	59	15	spreads	spread	NOUN
asir-2213	59	16	indirectly	indirectly	ADV
asir-2213	59	17	,	,	PUNCT
asir-2213	59	18	primarily	primarily	ADV
asir-2213	59	19	through	through	ADP
asir-2213	59	20	its	its	PRON
asir-2213	59	21	effect	effect	NOUN
asir-2213	59	22	on	on	ADP
asir-2213	59	23	administrative	administrative	ADJ
asir-2213	59	24	costs	cost	NOUN
asir-2213	59	25	,	,	PUNCT
asir-2213	59	26	peria	peria	NOUN
asir-2213	59	27	and	and	CCONJ
asir-2213	59	28	mody	mody	NOUN
asir-2213	59	29	(	(	PUNCT
asir-2213	59	30	2004	2004	NUM
asir-2213	59	31	)	)	PUNCT
asir-2213	59	32	show	show	VERB
asir-2213	59	33	that	that	SCONJ
asir-2213	59	34	bank	bank	NOUN
asir-2213	59	35	concentration	concentration	NOUN
asir-2213	59	36	has	have	VERB
asir-2213	59	37	a	a	DET
asir-2213	59	38	direct	direct	ADJ
asir-2213	59	39	effect	effect	NOUN
asir-2213	59	40	on	on	ADP
asir-2213	59	41	both	both	PRON
asir-2213	59	42	spreads	spread	NOUN
asir-2213	59	43	and	and	CCONJ
asir-2213	59	44	costs	cost	NOUN
asir-2213	59	45	.	.	PUNCT
asir-2213	60	1	brock	brock	PROPN
asir-2213	60	2	and	and	CCONJ
asir-2213	60	3	suarez	suarez	PROPN
asir-2213	60	4	(	(	PUNCT
asir-2213	60	5	2000	2000	NUM
asir-2213	60	6	)	)	PUNCT
asir-2213	60	7	also	also	ADV
asir-2213	60	8	find	find	VERB
asir-2213	60	9	that	that	SCONJ
asir-2213	60	10	reserve	reserve	NOUN
asir-2213	60	11	requirements	requirement	NOUN
asir-2213	60	12	and	and	CCONJ
asir-2213	60	13	an	an	DET
asir-2213	60	14	uncertain	uncertain	ADJ
asir-2213	60	15	macroeconomic	macroeconomic	ADJ
asir-2213	60	16	environment	environment	NOUN
asir-2213	60	17	increase	increase	NOUN
asir-2213	60	18	bank	bank	PROPN
asir-2213	60	19	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	60	20	applied	apply	VERB
asir-2213	60	21	science	science	NOUN
asir-2213	60	22	and	and	CCONJ
asir-2213	60	23	innovative	innovative	ADJ
asir-2213	60	24	research	research	NOUN
asir-2213	60	25	vol	vol	NOUN
asir-2213	60	26	.	.	PUNCT
asir-2213	61	1	3	3	NUM
asir-2213	61	2	,	,	PUNCT
asir-2213	61	3	no	no	INTJ
asir-2213	61	4	.	.	NOUN
asir-2213	61	5	3	3	NUM
asir-2213	61	6	,	,	PUNCT
asir-2213	61	7	2019	2019	NUM
asir-2213	61	8	136	136	NUM
asir-2213	61	9	published	publish	VERB
asir-2213	61	10	by	by	ADP
asir-2213	61	11	scholink	scholink	PROPN
asir-2213	61	12	inc	inc	PROPN
asir-2213	61	13	.	.	PROPN
asir-2213	61	14	spreads	spread	VERB
asir-2213	61	15	in	in	ADP
asir-2213	61	16	latin	latin	PROPN
asir-2213	61	17	america	america	PROPN
asir-2213	61	18	.	.	PUNCT
asir-2213	62	1	in	in	ADP
asir-2213	62	2	the	the	DET
asir-2213	62	3	case	case	NOUN
asir-2213	62	4	of	of	ADP
asir-2213	62	5	eastern	eastern	ADJ
asir-2213	62	6	caribbean	caribbean	PROPN
asir-2213	62	7	,	,	PUNCT
asir-2213	62	8	the	the	DET
asir-2213	62	9	findings	finding	NOUN
asir-2213	62	10	of	of	ADP
asir-2213	62	11	randall	randall	PROPN
asir-2213	62	12	(	(	PUNCT
asir-2213	62	13	1998	1998	NUM
asir-2213	62	14	)	)	PUNCT
asir-2213	62	15	show	show	VERB
asir-2213	62	16	that	that	SCONJ
asir-2213	62	17	approximately	approximately	ADV
asir-2213	62	18	53	53	NUM
asir-2213	62	19	%	%	NOUN
asir-2213	62	20	of	of	ADP
asir-2213	62	21	the	the	DET
asir-2213	62	22	spread	spread	NOUN
asir-2213	62	23	is	be	AUX
asir-2213	62	24	attributable	attributable	ADJ
asir-2213	62	25	to	to	ADP
asir-2213	62	26	operational	operational	ADJ
asir-2213	62	27	costs	cost	NOUN
asir-2213	62	28	,	,	PUNCT
asir-2213	62	29	41	41	NUM
asir-2213	62	30	%	%	NOUN
asir-2213	62	31	accounted	account	VERB
asir-2213	62	32	for	for	ADP
asir-2213	62	33	by	by	ADP
asir-2213	62	34	implicit	implicit	ADJ
asir-2213	62	35	equity	equity	NOUN
asir-2213	62	36	return	return	NOUN
asir-2213	62	37	,	,	PUNCT
asir-2213	62	38	and	and	CCONJ
asir-2213	62	39	the	the	DET
asir-2213	62	40	remaining	remain	VERB
asir-2213	62	41	6	6	NUM
asir-2213	62	42	%	%	NOUN
asir-2213	62	43	estimated	estimate	VERB
asir-2213	62	44	as	as	ADP
asir-2213	62	45	the	the	DET
asir-2213	62	46	unremunerated	unremunerated	ADJ
asir-2213	62	47	reserve	reserve	NOUN
asir-2213	62	48	requirements	requirement	NOUN
asir-2213	62	49	.	.	PUNCT
asir-2213	63	1	the	the	DET
asir-2213	63	2	theoretical	theoretical	ADJ
asir-2213	63	3	literature	literature	NOUN
asir-2213	63	4	shows	show	VERB
asir-2213	63	5	why	why	SCONJ
asir-2213	63	6	banks	bank	NOUN
asir-2213	63	7	charge	charge	VERB
asir-2213	63	8	interest	interest	NOUN
asir-2213	63	9	margins	margin	NOUN
asir-2213	63	10	when	when	SCONJ
asir-2213	63	11	intermediating	intermediate	VERB
asir-2213	63	12	between	between	ADP
asir-2213	63	13	demanders	demander	NOUN
asir-2213	63	14	and	and	CCONJ
asir-2213	63	15	suppliers	supplier	NOUN
asir-2213	63	16	of	of	ADP
asir-2213	63	17	loans	loan	NOUN
asir-2213	63	18	.	.	PUNCT
asir-2213	64	1	recent	recent	ADJ
asir-2213	64	2	studies	study	NOUN
asir-2213	64	3	have	have	AUX
asir-2213	64	4	shown	show	VERB
asir-2213	64	5	that	that	SCONJ
asir-2213	64	6	the	the	DET
asir-2213	64	7	determinants	determinant	NOUN
asir-2213	64	8	of	of	ADP
asir-2213	64	9	bank	bank	NOUN
asir-2213	64	10	interest	interest	NOUN
asir-2213	64	11	margins	margin	NOUN
asir-2213	64	12	vary	vary	VERB
asir-2213	64	13	across	across	ADP
asir-2213	64	14	countries	country	NOUN
asir-2213	64	15	.	.	PUNCT
asir-2213	65	1	the	the	DET
asir-2213	65	2	next	next	ADJ
asir-2213	65	3	section	section	NOUN
asir-2213	65	4	of	of	ADP
asir-2213	65	5	this	this	DET
asir-2213	65	6	paper	paper	NOUN
asir-2213	65	7	uses	use	VERB
asir-2213	65	8	some	some	PRON
asir-2213	65	9	of	of	ADP
asir-2213	65	10	the	the	DET
asir-2213	65	11	theoretical	theoretical	ADJ
asir-2213	65	12	arguments	argument	NOUN
asir-2213	65	13	in	in	ADP
asir-2213	65	14	modelling	model	VERB
asir-2213	65	15	bank	bank	NOUN
asir-2213	65	16	interest	interest	NOUN
asir-2213	65	17	margins	margin	NOUN
asir-2213	65	18	,	,	PUNCT
asir-2213	65	19	and	and	CCONJ
asir-2213	65	20	takes	take	VERB
asir-2213	65	21	into	into	ADP
asir-2213	65	22	account	account	NOUN
asir-2213	65	23	other	other	ADJ
asir-2213	65	24	regulatory	regulatory	ADJ
asir-2213	65	25	and	and	CCONJ
asir-2213	65	26	macroeconomic	macroeconomic	ADJ
asir-2213	65	27	factors	factor	NOUN
asir-2213	65	28	used	use	VERB
asir-2213	65	29	in	in	ADP
asir-2213	65	30	recent	recent	ADJ
asir-2213	65	31	empirical	empirical	ADJ
asir-2213	65	32	research	research	NOUN
asir-2213	65	33	to	to	PART
asir-2213	65	34	explain	explain	VERB
asir-2213	65	35	the	the	DET
asir-2213	65	36	link	link	NOUN
asir-2213	65	37	between	between	ADP
asir-2213	65	38	bank	bank	NOUN
asir-2213	65	39	behaviour	behaviour	NOUN
asir-2213	65	40	and	and	CCONJ
asir-2213	65	41	banking	banking	NOUN
asir-2213	65	42	system	system	NOUN
asir-2213	65	43	efficiency	efficiency	NOUN
asir-2213	65	44	.	.	PUNCT
asir-2213	66	1	3	3	X
asir-2213	66	2	.	.	X
asir-2213	66	3	methodology	methodology	NOUN
asir-2213	66	4	and	and	CCONJ
asir-2213	66	5	data	datum	NOUN
asir-2213	66	6	3.1	3.1	NUM
asir-2213	66	7	econometric	econometric	ADJ
asir-2213	66	8	approach	approach	NOUN
asir-2213	66	9	the	the	DET
asir-2213	66	10	determinants	determinant	NOUN
asir-2213	66	11	of	of	ADP
asir-2213	66	12	bank	bank	NOUN
asir-2213	66	13	interest	interest	NOUN
asir-2213	66	14	margin	margin	NOUN
asir-2213	66	15	have	have	AUX
asir-2213	66	16	usually	usually	ADV
asir-2213	66	17	been	be	AUX
asir-2213	66	18	modelled	model	VERB
asir-2213	66	19	within	within	ADP
asir-2213	66	20	the	the	DET
asir-2213	66	21	framework	framework	NOUN
asir-2213	66	22	of	of	ADP
asir-2213	66	23	a	a	DET
asir-2213	66	24	bank	bank	NOUN
asir-2213	66	25	as	as	ADP
asir-2213	66	26	either	either	CCONJ
asir-2213	66	27	a	a	DET
asir-2213	66	28	profit	profit	NOUN
asir-2213	66	29	(	(	PUNCT
asir-2213	66	30	wealth	wealth	NOUN
asir-2213	66	31	)	)	PUNCT
asir-2213	66	32	maximising	maximise	VERB
asir-2213	66	33	firm	firm	NOUN
asir-2213	66	34	or	or	CCONJ
asir-2213	66	35	seeking	seek	VERB
asir-2213	66	36	to	to	PART
asir-2213	66	37	maximise	maximise	VERB
asir-2213	66	38	the	the	DET
asir-2213	66	39	expected	expect	VERB
asir-2213	66	40	utility	utility	NOUN
asir-2213	66	41	of	of	ADP
asir-2213	66	42	profit	profit	NOUN
asir-2213	66	43	(	(	PUNCT
asir-2213	66	44	wealth	wealth	NOUN
asir-2213	66	45	)	)	PUNCT
asir-2213	66	46	.	.	PUNCT
asir-2213	67	1	as	as	SCONJ
asir-2213	67	2	noted	note	VERB
asir-2213	67	3	by	by	ADP
asir-2213	67	4	clark	clark	PROPN
asir-2213	67	5	(	(	PUNCT
asir-2213	67	6	1986	1986	NUM
asir-2213	67	7	)	)	PUNCT
asir-2213	67	8	,	,	PUNCT
asir-2213	67	9	the	the	DET
asir-2213	67	10	economics	economics	NOUN
asir-2213	67	11	literature	literature	NOUN
asir-2213	67	12	provides	provide	VERB
asir-2213	67	13	a	a	DET
asir-2213	67	14	considerable	considerable	ADJ
asir-2213	67	15	number	number	NOUN
asir-2213	67	16	of	of	ADP
asir-2213	67	17	models	model	NOUN
asir-2213	67	18	of	of	ADP
asir-2213	67	19	the	the	DET
asir-2213	67	20	banking	banking	NOUN
asir-2213	67	21	firm	firm	NOUN
asir-2213	67	22	with	with	ADP
asir-2213	67	23	regards	regard	NOUN
asir-2213	67	24	to	to	ADP
asir-2213	67	25	bank	bank	NOUN
asir-2213	67	26	behaviour	behaviour	NOUN
asir-2213	67	27	,	,	PUNCT
asir-2213	67	28	but	but	CCONJ
asir-2213	67	29	no	no	DET
asir-2213	67	30	single	single	ADJ
asir-2213	67	31	model	model	NOUN
asir-2213	67	32	perfectly	perfectly	ADV
asir-2213	67	33	describes	describe	VERB
asir-2213	67	34	bank	bank	NOUN
asir-2213	67	35	behaviour	behaviour	NOUN
asir-2213	67	36	in	in	ADP
asir-2213	67	37	its	its	PRON
asir-2213	67	38	entirety	entirety	NOUN
asir-2213	67	39	although	although	SCONJ
asir-2213	67	40	the	the	DET
asir-2213	67	41	portfolio	portfolio	NOUN
asir-2213	67	42	theory	theory	NOUN
asir-2213	67	43	is	be	AUX
asir-2213	67	44	seem	seem	VERB
asir-2213	67	45	to	to	PART
asir-2213	67	46	have	have	AUX
asir-2213	67	47	played	play	VERB
asir-2213	67	48	a	a	DET
asir-2213	67	49	relevant	relevant	ADJ
asir-2213	67	50	role	role	NOUN
asir-2213	67	51	.	.	PUNCT
asir-2213	68	1	most	most	ADJ
asir-2213	68	2	empirical	empirical	ADJ
asir-2213	68	3	specifications	specification	NOUN
asir-2213	68	4	have	have	AUX
asir-2213	68	5	modelled	model	VERB
asir-2213	68	6	the	the	DET
asir-2213	68	7	determinants	determinant	NOUN
asir-2213	68	8	of	of	ADP
asir-2213	68	9	bank	bank	NOUN
asir-2213	68	10	interest	interest	NOUN
asir-2213	68	11	margin	margin	NOUN
asir-2213	68	12	based	base	VERB
asir-2213	68	13	on	on	ADP
asir-2213	68	14	the	the	DET
asir-2213	68	15	accounting	accounting	NOUN
asir-2213	68	16	identity	identity	NOUN
asir-2213	68	17	of	of	ADP
asir-2213	68	18	income	income	NOUN
asir-2213	68	19	statements	statement	NOUN
asir-2213	68	20	and	and	CCONJ
asir-2213	68	21	balance	balance	NOUN
asir-2213	68	22	sheet	sheet	NOUN
asir-2213	68	23	,	,	PUNCT
asir-2213	68	24	and	and	CCONJ
asir-2213	68	25	in	in	ADP
asir-2213	68	26	some	some	DET
asir-2213	68	27	cases	case	NOUN
asir-2213	68	28	on	on	ADP
asir-2213	68	29	the	the	DET
asir-2213	68	30	behavioural	behavioural	ADJ
asir-2213	68	31	assumptions	assumption	NOUN
asir-2213	68	32	of	of	ADP
asir-2213	68	33	the	the	DET
asir-2213	68	34	banking	banking	NOUN
asir-2213	68	35	firm	firm	NOUN
asir-2213	68	36	(	(	PUNCT
asir-2213	68	37	mlachila	mlachila	PROPN
asir-2213	68	38	&	&	CCONJ
asir-2213	68	39	chirwa	chirwa	NOUN
asir-2213	68	40	,	,	PUNCT
asir-2213	68	41	2002	2002	NUM
asir-2213	68	42	)	)	PUNCT
asir-2213	68	43	.	.	PUNCT
asir-2213	69	1	this	this	DET
asir-2213	69	2	paper	paper	NOUN
asir-2213	69	3	is	be	AUX
asir-2213	69	4	based	base	VERB
asir-2213	69	5	on	on	ADP
asir-2213	69	6	the	the	DET
asir-2213	69	7	dealership	dealership	NOUN
asir-2213	69	8	model	model	NOUN
asir-2213	69	9	of	of	ADP
asir-2213	69	10	ho	ho	PROPN
asir-2213	69	11	and	and	CCONJ
asir-2213	69	12	saunders	saunder	NOUN
asir-2213	69	13	(	(	PUNCT
asir-2213	69	14	1981	1981	NUM
asir-2213	69	15	)	)	PUNCT
asir-2213	69	16	and	and	CCONJ
asir-2213	69	17	follows	follow	VERB
asir-2213	69	18	the	the	DET
asir-2213	69	19	amended	amend	VERB
asir-2213	69	20	version	version	NOUN
asir-2213	69	21	of	of	ADP
asir-2213	69	22	maudos	maudo	NOUN
asir-2213	69	23	and	and	CCONJ
asir-2213	69	24	fernández	fernández	PROPN
asir-2213	69	25	de	de	X
asir-2213	69	26	guevara	guevara	PROPN
asir-2213	69	27	(	(	PUNCT
asir-2213	69	28	2004	2004	NUM
asir-2213	69	29	)	)	PUNCT
asir-2213	69	30	with	with	ADP
asir-2213	69	31	some	some	DET
asir-2213	69	32	modifications	modification	NOUN
asir-2213	69	33	(	(	PUNCT
asir-2213	69	34	note	note	NOUN
asir-2213	69	35	4	4	NUM
asir-2213	69	36	)	)	PUNCT
asir-2213	69	37	.	.	PUNCT
asir-2213	70	1	the	the	DET
asir-2213	70	2	model	model	NOUN
asir-2213	70	3	views	view	VERB
asir-2213	70	4	a	a	DET
asir-2213	70	5	bank	bank	NOUN
asir-2213	70	6	as	as	ADP
asir-2213	70	7	a	a	DET
asir-2213	70	8	risk	risk	NOUN
asir-2213	70	9	-	-	PUNCT
asir-2213	70	10	averse	averse	ADJ
asir-2213	70	11	dealer	dealer	NOUN
asir-2213	70	12	,	,	PUNCT
asir-2213	70	13	in	in	ADP
asir-2213	70	14	which	which	PRON
asir-2213	70	15	the	the	DET
asir-2213	70	16	bank	bank	NOUN
asir-2213	70	17	acts	act	VERB
asir-2213	70	18	as	as	ADP
asir-2213	70	19	an	an	DET
asir-2213	70	20	intermediary	intermediary	NOUN
asir-2213	70	21	between	between	ADP
asir-2213	70	22	demanders	demander	NOUN
asir-2213	70	23	and	and	CCONJ
asir-2213	70	24	suppliers	supplier	NOUN
asir-2213	70	25	of	of	ADP
asir-2213	70	26	loans	loan	NOUN
asir-2213	70	27	.	.	PUNCT
asir-2213	71	1	the	the	DET
asir-2213	71	2	banks	bank	NOUN
asir-2213	71	3	are	be	AUX
asir-2213	71	4	expected	expect	VERB
asir-2213	71	5	to	to	PART
asir-2213	71	6	deal	deal	VERB
asir-2213	71	7	with	with	ADP
asir-2213	71	8	the	the	DET
asir-2213	71	9	uncertainty	uncertainty	NOUN
asir-2213	71	10	of	of	ADP
asir-2213	71	11	interest	interest	NOUN
asir-2213	71	12	rates	rate	NOUN
asir-2213	71	13	by	by	ADP
asir-2213	71	14	setting	set	VERB
asir-2213	71	15	their	their	PRON
asir-2213	71	16	interest	interest	NOUN
asir-2213	71	17	rates	rate	NOUN
asir-2213	71	18	on	on	ADP
asir-2213	71	19	loans	loan	NOUN
asir-2213	71	20	(	(	PUNCT
asir-2213	71	21	rl	rl	NOUN
asir-2213	71	22	)	)	PUNCT
asir-2213	71	23	and	and	CCONJ
asir-2213	71	24	deposits	deposit	NOUN
asir-2213	71	25	(	(	PUNCT
asir-2213	71	26	rd	rd	NOUN
asir-2213	71	27	)	)	PUNCT
asir-2213	71	28	in	in	ADP
asir-2213	71	29	order	order	NOUN
asir-2213	71	30	to	to	PART
asir-2213	71	31	minimise	minimise	VERB
asir-2213	71	32	the	the	DET
asir-2213	71	33	risk	risk	NOUN
asir-2213	71	34	of	of	ADP
asir-2213	71	35	shareholders	shareholder	NOUN
asir-2213	71	36	’	’	PART
asir-2213	71	37	wealth	wealth	NOUN
asir-2213	71	38	by	by	ADP
asir-2213	71	39	seeking	seek	VERB
asir-2213	71	40	to	to	PART
asir-2213	71	41	match	match	VERB
asir-2213	71	42	the	the	DET
asir-2213	71	43	maturities	maturity	NOUN
asir-2213	71	44	of	of	ADP
asir-2213	71	45	assets	asset	NOUN
asir-2213	71	46	and	and	CCONJ
asir-2213	71	47	liabilities	liability	NOUN
asir-2213	71	48	.	.	PUNCT
asir-2213	72	1	this	this	PRON
asir-2213	72	2	is	be	AUX
asir-2213	72	3	to	to	PART
asir-2213	72	4	allow	allow	VERB
asir-2213	72	5	the	the	DET
asir-2213	72	6	banks	bank	NOUN
asir-2213	72	7	to	to	PART
asir-2213	72	8	avoid	avoid	VERB
asir-2213	72	9	the	the	DET
asir-2213	72	10	reinvestment	reinvestment	NOUN
asir-2213	72	11	or	or	CCONJ
asir-2213	72	12	refinancing	refinancing	NOUN
asir-2213	72	13	of	of	ADP
asir-2213	72	14	risks	risk	NOUN
asir-2213	72	15	which	which	PRON
asir-2213	72	16	are	be	AUX
asir-2213	72	17	likely	likely	ADJ
asir-2213	72	18	to	to	PART
asir-2213	72	19	arise	arise	VERB
asir-2213	72	20	in	in	ADP
asir-2213	72	21	case	case	NOUN
asir-2213	72	22	financial	financial	ADJ
asir-2213	72	23	assets	asset	NOUN
asir-2213	72	24	are	be	AUX
asir-2213	72	25	either	either	CCONJ
asir-2213	72	26	too	too	ADV
asir-2213	72	27	short	short	ADJ
asir-2213	72	28	or	or	CCONJ
asir-2213	72	29	too	too	ADV
asir-2213	72	30	long	long	ADJ
asir-2213	72	31	.	.	PUNCT
asir-2213	73	1	for	for	ADP
asir-2213	73	2	this	this	DET
asir-2213	73	3	reason	reason	NOUN
asir-2213	73	4	,	,	PUNCT
asir-2213	73	5	the	the	DET
asir-2213	73	6	risk	risk	NOUN
asir-2213	73	7	-	-	PUNCT
asir-2213	73	8	averse	averse	ADJ
asir-2213	73	9	banks	bank	NOUN
asir-2213	73	10	are	be	AUX
asir-2213	73	11	assumed	assume	VERB
asir-2213	73	12	to	to	PART
asir-2213	73	13	set	set	VERB
asir-2213	73	14	their	their	PRON
asir-2213	73	15	interest	interest	NOUN
asir-2213	73	16	rate	rate	NOUN
asir-2213	73	17	margins	margin	NOUN
asir-2213	73	18	for	for	ADP
asir-2213	73	19	deposits	deposit	NOUN
asir-2213	73	20	(	(	PUNCT
asir-2213	73	21	a	a	NOUN
asir-2213	73	22	)	)	PUNCT
asir-2213	73	23	and	and	CCONJ
asir-2213	73	24	loans	loan	NOUN
asir-2213	73	25	(	(	PUNCT
asir-2213	73	26	b	b	NOUN
asir-2213	73	27	)	)	PUNCT
asir-2213	73	28	relative	relative	ADJ
asir-2213	73	29	to	to	ADP
asir-2213	73	30	the	the	DET
asir-2213	73	31	market	market	NOUN
asir-2213	73	32	interest	interest	NOUN
asir-2213	73	33	rate	rate	NOUN
asir-2213	73	34	r	r	NOUN
asir-2213	73	35	,	,	PUNCT
asir-2213	73	36	in	in	ADP
asir-2213	73	37	the	the	DET
asir-2213	73	38	following	follow	VERB
asir-2213	73	39	expression	expression	NOUN
asir-2213	73	40	:	:	PUNCT
asir-2213	73	41	rd	rd	NOUN
asir-2213	73	42	=	=	SYM
asir-2213	73	43	r	r	NOUN
asir-2213	73	44	–	–	PUNCT
asir-2213	73	45	a	a	X
asir-2213	73	46	,	,	PUNCT
asir-2213	73	47	rl	rl	NOUN
asir-2213	73	48	=	=	SYM
asir-2213	73	49	r	r	NOUN
asir-2213	73	50	+	+	NUM
asir-2213	73	51	b	b	NOUN
asir-2213	73	52	,	,	PUNCT
asir-2213	73	53	(	(	PUNCT
asir-2213	73	54	1	1	NUM
asir-2213	73	55	)	)	PUNCT
asir-2213	73	56	thus	thus	ADV
asir-2213	73	57	,	,	PUNCT
asir-2213	73	58	the	the	DET
asir-2213	73	59	unit	unit	NOUN
asir-2213	73	60	margin	margin	NOUN
asir-2213	73	61	or	or	CCONJ
asir-2213	73	62	spread	spread	VERB
asir-2213	73	63	(	(	PUNCT
asir-2213	73	64	s	s	NOUN
asir-2213	73	65	)	)	PUNCT
asir-2213	73	66	between	between	ADP
asir-2213	73	67	the	the	DET
asir-2213	73	68	lending	lending	NOUN
asir-2213	73	69	and	and	CCONJ
asir-2213	73	70	deposit	deposit	NOUN
asir-2213	73	71	rates	rate	NOUN
asir-2213	73	72	can	can	AUX
asir-2213	73	73	be	be	AUX
asir-2213	73	74	given	give	VERB
asir-2213	73	75	as	as	SCONJ
asir-2213	73	76	follows	follow	VERB
asir-2213	73	77	:	:	PUNCT
asir-2213	73	78	s	s	X
asir-2213	73	79	=	=	SYM
asir-2213	73	80	rl	rl	X
asir-2213	73	81	–	–	PUNCT
asir-2213	73	82	rd	rd	NOUN
asir-2213	73	83	=	=	PUNCT
asir-2213	73	84	a	a	DET
asir-2213	73	85	+	+	X
asir-2213	73	86	b.	b.	NOUN
asir-2213	73	87	(	(	PUNCT
asir-2213	73	88	2	2	NUM
asir-2213	73	89	)	)	PUNCT
asir-2213	73	90	apart	apart	ADV
asir-2213	73	91	from	from	ADP
asir-2213	73	92	bank	bank	NOUN
asir-2213	73	93	-	-	PUNCT
asir-2213	73	94	specific	specific	ADJ
asir-2213	73	95	indicators	indicator	NOUN
asir-2213	73	96	,	,	PUNCT
asir-2213	73	97	recent	recent	ADJ
asir-2213	73	98	empirical	empirical	ADJ
asir-2213	73	99	papers	paper	NOUN
asir-2213	73	100	have	have	AUX
asir-2213	73	101	added	add	VERB
asir-2213	73	102	macroeconomic	macroeconomic	ADJ
asir-2213	73	103	,	,	PUNCT
asir-2213	73	104	regulatory	regulatory	ADJ
asir-2213	73	105	,	,	PUNCT
asir-2213	73	106	legal	legal	ADJ
asir-2213	73	107	and	and	CCONJ
asir-2213	73	108	institutional	institutional	ADJ
asir-2213	73	109	variables	variable	NOUN
asir-2213	73	110	,	,	PUNCT
asir-2213	73	111	as	as	ADV
asir-2213	73	112	well	well	ADV
asir-2213	73	113	as	as	ADP
asir-2213	73	114	a	a	DET
asir-2213	73	115	range	range	NOUN
asir-2213	73	116	of	of	ADP
asir-2213	73	117	other	other	ADJ
asir-2213	73	118	indicators	indicator	NOUN
asir-2213	73	119	,	,	PUNCT
asir-2213	73	120	to	to	ADP
asir-2213	73	121	the	the	DET
asir-2213	73	122	original	original	ADJ
asir-2213	73	123	model	model	NOUN
asir-2213	73	124	of	of	ADP
asir-2213	73	125	ho	ho	PROPN
asir-2213	73	126	and	and	CCONJ
asir-2213	73	127	saunders	saunder	NOUN
asir-2213	73	128	(	(	PUNCT
asir-2213	73	129	1981	1981	NUM
asir-2213	73	130	)	)	PUNCT
asir-2213	73	131	(	(	PUNCT
asir-2213	73	132	note	note	NOUN
asir-2213	73	133	5	5	NUM
asir-2213	73	134	)	)	PUNCT
asir-2213	73	135	.	.	PUNCT
asir-2213	74	1	the	the	DET
asir-2213	74	2	empirical	empirical	ADJ
asir-2213	74	3	specification	specification	NOUN
asir-2213	74	4	for	for	ADP
asir-2213	74	5	this	this	DET
asir-2213	74	6	paper	paper	NOUN
asir-2213	74	7	also	also	ADV
asir-2213	74	8	takes	take	VERB
asir-2213	74	9	some	some	PRON
asir-2213	74	10	of	of	ADP
asir-2213	74	11	these	these	DET
asir-2213	74	12	factors	factor	NOUN
asir-2213	74	13	into	into	ADP
asir-2213	74	14	account	account	NOUN
asir-2213	74	15	,	,	PUNCT
asir-2213	74	16	because	because	SCONJ
asir-2213	74	17	they	they	PRON
asir-2213	74	18	are	be	AUX
asir-2213	74	19	deemed	deem	VERB
asir-2213	74	20	to	to	PART
asir-2213	74	21	be	be	AUX
asir-2213	74	22	important	important	ADJ
asir-2213	74	23	in	in	ADP
asir-2213	74	24	explaining	explain	VERB
asir-2213	74	25	the	the	DET
asir-2213	74	26	variation	variation	NOUN
asir-2213	74	27	in	in	ADP
asir-2213	74	28	bank	bank	NOUN
asir-2213	74	29	interest	interest	NOUN
asir-2213	74	30	margin	margin	NOUN
asir-2213	74	31	.	.	PUNCT
asir-2213	75	1	the	the	DET
asir-2213	75	2	model	model	NOUN
asir-2213	75	3	is	be	AUX
asir-2213	75	4	specified	specify	VERB
asir-2213	75	5	as	as	SCONJ
asir-2213	75	6	follows	follow	VERB
asir-2213	75	7	:	:	PUNCT
asir-2213	75	8	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	75	9	applied	apply	VERB
asir-2213	75	10	science	science	NOUN
asir-2213	75	11	and	and	CCONJ
asir-2213	75	12	innovative	innovative	ADJ
asir-2213	75	13	research	research	NOUN
asir-2213	75	14	vol	vol	NOUN
asir-2213	75	15	.	.	PUNCT
asir-2213	76	1	3	3	NUM
asir-2213	76	2	,	,	PUNCT
asir-2213	76	3	no	no	INTJ
asir-2213	76	4	.	.	NOUN
asir-2213	76	5	3	3	NUM
asir-2213	76	6	,	,	PUNCT
asir-2213	76	7	2019	2019	NUM
asir-2213	76	8	137	137	NUM
asir-2213	76	9	published	publish	VERB
asir-2213	76	10	by	by	ADP
asir-2213	76	11	scholink	scholink	PROPN
asir-2213	76	12	inc	inc	PROPN
asir-2213	76	13	.	.	PROPN
asir-2213	76	14	nimit	nimit	PROPN
asir-2213	76	15	=	=	SYM
asir-2213	76	16	f	f	PROPN
asir-2213	76	17	(	(	PUNCT
asir-2213	76	18	wit	wit	NOUN
asir-2213	76	19	,	,	PUNCT
asir-2213	76	20	xt	xt	PROPN
asir-2213	76	21	,	,	PUNCT
asir-2213	76	22	yt	yt	PROPN
asir-2213	76	23	,	,	PUNCT
asir-2213	76	24	zt	zt	PROPN
asir-2213	76	25	,	,	PUNCT
asir-2213	76	26	εit	εit	PROPN
asir-2213	76	27	)	)	PUNCT
asir-2213	76	28	(	(	PUNCT
asir-2213	76	29	3	3	X
asir-2213	76	30	)	)	PUNCT
asir-2213	76	31	where	where	SCONJ
asir-2213	76	32	i	i	PRON
asir-2213	76	33	denotes	denote	VERB
asir-2213	76	34	bank	bank	PROPN
asir-2213	76	35	and	and	CCONJ
asir-2213	76	36	t	t	PROPN
asir-2213	76	37	denotes	denote	NOUN
asir-2213	76	38	time	time	NOUN
asir-2213	76	39	;	;	PUNCT
asir-2213	76	40	nimit	nimit	NOUN
asir-2213	76	41	is	be	AUX
asir-2213	76	42	the	the	DET
asir-2213	76	43	annualised	annualise	VERB
asir-2213	76	44	net	net	ADJ
asir-2213	76	45	interest	interest	NOUN
asir-2213	76	46	margin	margin	NOUN
asir-2213	76	47	of	of	ADP
asir-2213	76	48	bank	bank	NOUN
asir-2213	76	49	i	i	PRON
asir-2213	76	50	at	at	ADP
asir-2213	76	51	time	time	NOUN
asir-2213	76	52	t	t	PROPN
asir-2213	76	53	;	;	PUNCT
asir-2213	76	54	wit	wit	NOUN
asir-2213	76	55	is	be	AUX
asir-2213	76	56	a	a	DET
asir-2213	76	57	vector	vector	NOUN
asir-2213	76	58	of	of	ADP
asir-2213	76	59	bank	bank	NOUN
asir-2213	76	60	-	-	PUNCT
asir-2213	76	61	specific	specific	ADJ
asir-2213	76	62	variables	variable	NOUN
asir-2213	76	63	of	of	ADP
asir-2213	76	64	bank	bank	NOUN
asir-2213	76	65	i	i	PRON
asir-2213	76	66	at	at	ADP
asir-2213	76	67	time	time	NOUN
asir-2213	76	68	t	t	PROPN
asir-2213	76	69	;	;	PUNCT
asir-2213	76	70	xt	xt	X
asir-2213	76	71	is	be	AUX
asir-2213	76	72	a	a	DET
asir-2213	76	73	vector	vector	NOUN
asir-2213	76	74	of	of	ADP
asir-2213	76	75	industry	industry	NOUN
asir-2213	76	76	-	-	PUNCT
asir-2213	76	77	specific	specific	ADJ
asir-2213	76	78	variables	variable	NOUN
asir-2213	76	79	at	at	ADP
asir-2213	76	80	time	time	NOUN
asir-2213	76	81	t	t	PROPN
asir-2213	76	82	;	;	PUNCT
asir-2213	76	83	yt	yt	PROPN
asir-2213	76	84	is	be	AUX
asir-2213	76	85	a	a	DET
asir-2213	76	86	vector	vector	NOUN
asir-2213	76	87	of	of	ADP
asir-2213	76	88	macroeconomic	macroeconomic	ADJ
asir-2213	76	89	variables	variable	NOUN
asir-2213	76	90	at	at	ADP
asir-2213	76	91	time	time	NOUN
asir-2213	76	92	t	t	PROPN
asir-2213	76	93	;	;	PUNCT
asir-2213	76	94	zt	zt	PROPN
asir-2213	76	95	is	be	AUX
asir-2213	76	96	a	a	DET
asir-2213	76	97	vector	vector	NOUN
asir-2213	76	98	of	of	ADP
asir-2213	76	99	variables	variable	NOUN
asir-2213	76	100	capturing	capture	VERB
asir-2213	76	101	regulatory	regulatory	ADJ
asir-2213	76	102	characteristics	characteristic	NOUN
asir-2213	76	103	at	at	ADP
asir-2213	76	104	time	time	NOUN
asir-2213	76	105	t	t	PROPN
asir-2213	76	106	;	;	PUNCT
asir-2213	76	107	and	and	CCONJ
asir-2213	76	108	εit	εit	NOUN
asir-2213	76	109	is	be	AUX
asir-2213	76	110	the	the	DET
asir-2213	76	111	error	error	NOUN
asir-2213	76	112	term	term	NOUN
asir-2213	76	113	of	of	ADP
asir-2213	76	114	bank	bank	NOUN
asir-2213	76	115	i	i	PRON
asir-2213	76	116	at	at	ADP
asir-2213	76	117	time	time	NOUN
asir-2213	76	118	t.	t.	PROPN
asir-2213	76	119	3.2	3.2	NUM
asir-2213	76	120	dependent	dependent	ADJ
asir-2213	76	121	variable	variable	NOUN
asir-2213	76	122	the	the	DET
asir-2213	76	123	academic	academic	ADJ
asir-2213	76	124	literature	literature	NOUN
asir-2213	76	125	suggests	suggest	VERB
asir-2213	76	126	different	different	ADJ
asir-2213	76	127	ways	way	NOUN
asir-2213	76	128	of	of	ADP
asir-2213	76	129	measuring	measure	VERB
asir-2213	76	130	interest	interest	NOUN
asir-2213	76	131	rate	rate	NOUN
asir-2213	76	132	spreads	spread	NOUN
asir-2213	76	133	.	.	PUNCT
asir-2213	77	1	the	the	DET
asir-2213	77	2	efficiency	efficiency	NOUN
asir-2213	77	3	of	of	ADP
asir-2213	77	4	bank	bank	NOUN
asir-2213	77	5	intermediation	intermediation	NOUN
asir-2213	77	6	can	can	AUX
asir-2213	77	7	be	be	AUX
asir-2213	77	8	measured	measure	VERB
asir-2213	77	9	by	by	ADP
asir-2213	77	10	using	use	VERB
asir-2213	77	11	either	either	CCONJ
asir-2213	77	12	ex	ex	NOUN
asir-2213	77	13	ante	ante	NOUN
asir-2213	77	14	or	or	CCONJ
asir-2213	77	15	ex	ex	PRON
asir-2213	77	16	post	post	NOUN
asir-2213	77	17	spreads	spread	NOUN
asir-2213	77	18	or	or	CCONJ
asir-2213	77	19	a	a	DET
asir-2213	77	20	combination	combination	NOUN
asir-2213	77	21	of	of	ADP
asir-2213	77	22	both	both	PRON
asir-2213	77	23	.	.	PUNCT
asir-2213	78	1	the	the	DET
asir-2213	78	2	definition	definition	NOUN
asir-2213	78	3	of	of	ADP
asir-2213	78	4	ex	ex	X
asir-2213	78	5	ante	ante	NOUN
asir-2213	78	6	spread	spread	NOUN
asir-2213	78	7	is	be	AUX
asir-2213	78	8	based	base	VERB
asir-2213	78	9	on	on	ADP
asir-2213	78	10	the	the	DET
asir-2213	78	11	difference	difference	NOUN
asir-2213	78	12	between	between	ADP
asir-2213	78	13	the	the	DET
asir-2213	78	14	contractual	contractual	ADJ
asir-2213	78	15	rates	rate	NOUN
asir-2213	78	16	charged	charge	VERB
asir-2213	78	17	on	on	ADP
asir-2213	78	18	loans	loan	NOUN
asir-2213	78	19	and	and	CCONJ
asir-2213	78	20	rates	rate	NOUN
asir-2213	78	21	paid	pay	VERB
asir-2213	78	22	on	on	ADP
asir-2213	78	23	deposits	deposit	NOUN
asir-2213	78	24	.	.	PUNCT
asir-2213	79	1	the	the	DET
asir-2213	79	2	calculation	calculation	NOUN
asir-2213	79	3	of	of	ADP
asir-2213	79	4	ex	ex	ADJ
asir-2213	79	5	post	post	NOUN
asir-2213	79	6	spread	spread	VERB
asir-2213	79	7	on	on	ADP
asir-2213	79	8	the	the	DET
asir-2213	79	9	other	other	ADJ
asir-2213	79	10	hand	hand	NOUN
asir-2213	79	11	is	be	AUX
asir-2213	79	12	based	base	VERB
asir-2213	79	13	on	on	ADP
asir-2213	79	14	the	the	DET
asir-2213	79	15	difference	difference	NOUN
asir-2213	79	16	between	between	ADP
asir-2213	79	17	the	the	DET
asir-2213	79	18	actual	actual	ADJ
asir-2213	79	19	interest	interest	NOUN
asir-2213	79	20	revenue	revenue	NOUN
asir-2213	79	21	and	and	CCONJ
asir-2213	79	22	interest	interest	NOUN
asir-2213	79	23	expenses	expense	NOUN
asir-2213	79	24	of	of	ADP
asir-2213	79	25	banks	bank	NOUN
asir-2213	79	26	.	.	PUNCT
asir-2213	80	1	demirgüç	demirgüç	PROPN
asir-2213	80	2	-	-	PUNCT
asir-2213	80	3	kunt	kunt	PROPN
asir-2213	80	4	and	and	CCONJ
asir-2213	80	5	huizinga	huizinga	ADV
asir-2213	80	6	(	(	PUNCT
asir-2213	80	7	1998	1998	NUM
asir-2213	80	8	)	)	PUNCT
asir-2213	80	9	argue	argue	VERB
asir-2213	80	10	that	that	SCONJ
asir-2213	80	11	the	the	DET
asir-2213	80	12	measures	measure	NOUN
asir-2213	80	13	of	of	ADP
asir-2213	80	14	ex	ex	X
asir-2213	80	15	ante	ante	NOUN
asir-2213	80	16	spread	spread	NOUN
asir-2213	80	17	are	be	AUX
asir-2213	80	18	biased	bias	VERB
asir-2213	80	19	due	due	ADJ
asir-2213	80	20	to	to	ADP
asir-2213	80	21	perceived	perceive	VERB
asir-2213	80	22	risk	risk	NOUN
asir-2213	80	23	differences	difference	NOUN
asir-2213	80	24	that	that	PRON
asir-2213	80	25	are	be	AUX
asir-2213	80	26	reflected	reflect	VERB
asir-2213	80	27	in	in	ADP
asir-2213	80	28	the	the	DET
asir-2213	80	29	ex	ex	PROPN
asir-2213	80	30	ante	ante	NOUN
asir-2213	80	31	yields	yield	NOUN
asir-2213	80	32	.	.	PUNCT
asir-2213	81	1	since	since	SCONJ
asir-2213	81	2	risk	risk	NOUN
asir-2213	81	3	bearing	bearing	NOUN
asir-2213	81	4	is	be	AUX
asir-2213	81	5	an	an	DET
asir-2213	81	6	important	important	ADJ
asir-2213	81	7	part	part	NOUN
asir-2213	81	8	of	of	ADP
asir-2213	81	9	the	the	DET
asir-2213	81	10	banking	banking	NOUN
asir-2213	81	11	service	service	NOUN
asir-2213	81	12	,	,	PUNCT
asir-2213	81	13	any	any	DET
asir-2213	81	14	risks	risk	NOUN
asir-2213	81	15	difference	difference	NOUN
asir-2213	81	16	faced	face	VERB
asir-2213	81	17	by	by	ADP
asir-2213	81	18	banks	bank	NOUN
asir-2213	81	19	will	will	AUX
asir-2213	81	20	likely	likely	ADV
asir-2213	81	21	distort	distort	VERB
asir-2213	81	22	spread	spread	VERB
asir-2213	81	23	comparisons	comparison	NOUN
asir-2213	81	24	.	.	PUNCT
asir-2213	82	1	brock	brock	PROPN
asir-2213	82	2	and	and	CCONJ
asir-2213	82	3	suarez	suarez	PROPN
asir-2213	82	4	(	(	PUNCT
asir-2213	82	5	2000	2000	NUM
asir-2213	82	6	)	)	PUNCT
asir-2213	82	7	point	point	VERB
asir-2213	82	8	out	out	ADP
asir-2213	82	9	some	some	DET
asir-2213	82	10	further	further	ADJ
asir-2213	82	11	weaknesses	weakness	NOUN
asir-2213	82	12	of	of	ADP
asir-2213	82	13	the	the	DET
asir-2213	82	14	ex	ex	ADJ
asir-2213	82	15	post	post	NOUN
asir-2213	82	16	spread	spread	NOUN
asir-2213	82	17	.	.	PUNCT
asir-2213	83	1	firstly	firstly	ADV
asir-2213	83	2	,	,	PUNCT
asir-2213	83	3	by	by	ADP
asir-2213	83	4	including	include	VERB
asir-2213	83	5	all	all	DET
asir-2213	83	6	assets	asset	NOUN
asir-2213	83	7	and	and	CCONJ
asir-2213	83	8	liabilities	liability	NOUN
asir-2213	83	9	,	,	PUNCT
asir-2213	83	10	the	the	DET
asir-2213	83	11	ex	ex	X
asir-2213	83	12	post	post	NOUN
asir-2213	83	13	spread	spread	NOUN
asir-2213	83	14	may	may	AUX
asir-2213	83	15	deviate	deviate	VERB
asir-2213	83	16	from	from	ADP
asir-2213	83	17	marginal	marginal	ADJ
asir-2213	83	18	costs	cost	NOUN
asir-2213	83	19	and	and	CCONJ
asir-2213	83	20	revenues	revenue	NOUN
asir-2213	83	21	of	of	ADP
asir-2213	83	22	the	the	DET
asir-2213	83	23	banks	bank	NOUN
asir-2213	83	24	.	.	PUNCT
asir-2213	84	1	secondly	secondly	ADV
asir-2213	84	2	,	,	PUNCT
asir-2213	84	3	by	by	ADP
asir-2213	84	4	excluding	exclude	VERB
asir-2213	84	5	fees	fee	NOUN
asir-2213	84	6	and	and	CCONJ
asir-2213	84	7	commissions	commission	NOUN
asir-2213	84	8	from	from	ADP
asir-2213	84	9	the	the	DET
asir-2213	84	10	ex	ex	ADJ
asir-2213	84	11	post	post	NOUN
asir-2213	84	12	spread	spread	NOUN
asir-2213	84	13	,	,	PUNCT
asir-2213	84	14	the	the	DET
asir-2213	84	15	full	full	ADJ
asir-2213	84	16	cost	cost	NOUN
asir-2213	84	17	to	to	ADP
asir-2213	84	18	borrowers	borrower	NOUN
asir-2213	84	19	and	and	CCONJ
asir-2213	84	20	income	income	NOUN
asir-2213	84	21	reduction	reduction	NOUN
asir-2213	84	22	of	of	ADP
asir-2213	84	23	depositors	depositor	NOUN
asir-2213	84	24	may	may	AUX
asir-2213	84	25	not	not	PART
asir-2213	84	26	be	be	AUX
asir-2213	84	27	reflected	reflect	VERB
asir-2213	84	28	.	.	PUNCT
asir-2213	85	1	demirgüç	demirgüç	PROPN
asir-2213	85	2	-	-	PUNCT
asir-2213	85	3	kunt	kunt	PROPN
asir-2213	85	4	and	and	CCONJ
asir-2213	85	5	huizinga	huizinga	ADV
asir-2213	85	6	(	(	PUNCT
asir-2213	85	7	1998	1998	NUM
asir-2213	85	8	)	)	PUNCT
asir-2213	85	9	highlight	highlight	VERB
asir-2213	85	10	the	the	DET
asir-2213	85	11	superiority	superiority	NOUN
asir-2213	85	12	of	of	ADP
asir-2213	85	13	ex	ex	ADJ
asir-2213	85	14	post	post	NOUN
asir-2213	85	15	over	over	ADP
asir-2213	85	16	ex	ex	NOUN
asir-2213	85	17	ante	ante	NOUN
asir-2213	85	18	spread	spread	VERB
asir-2213	85	19	to	to	ADP
asir-2213	85	20	the	the	DET
asir-2213	85	21	extent	extent	NOUN
asir-2213	85	22	that	that	SCONJ
asir-2213	85	23	ex	ex	PRON
asir-2213	85	24	post	post	NOUN
asir-2213	85	25	spread	spread	VERB
asir-2213	85	26	accounts	account	NOUN
asir-2213	85	27	for	for	ADP
asir-2213	85	28	loan	loan	NOUN
asir-2213	85	29	defaults	default	NOUN
asir-2213	85	30	and	and	CCONJ
asir-2213	85	31	risky	risky	ADJ
asir-2213	85	32	credits	credit	NOUN
asir-2213	85	33	by	by	ADP
asir-2213	85	34	taking	take	VERB
asir-2213	85	35	into	into	ADP
asir-2213	85	36	account	account	NOUN
asir-2213	85	37	the	the	DET
asir-2213	85	38	actual	actual	ADJ
asir-2213	85	39	interest	interest	NOUN
asir-2213	85	40	received	receive	VERB
asir-2213	85	41	and	and	CCONJ
asir-2213	85	42	interest	interest	NOUN
asir-2213	85	43	paid	pay	VERB
asir-2213	85	44	.	.	PUNCT
asir-2213	86	1	for	for	ADP
asir-2213	86	2	this	this	DET
asir-2213	86	3	reason	reason	NOUN
asir-2213	86	4	,	,	PUNCT
asir-2213	86	5	ex	ex	X
asir-2213	86	6	post	post	NOUN
asir-2213	86	7	interest	interest	NOUN
asir-2213	86	8	spread	spread	NOUN
asir-2213	86	9	is	be	AUX
asir-2213	86	10	used	use	VERB
asir-2213	86	11	in	in	ADP
asir-2213	86	12	this	this	DET
asir-2213	86	13	study	study	NOUN
asir-2213	86	14	as	as	ADP
asir-2213	86	15	dependent	dependent	ADJ
asir-2213	86	16	variable	variable	NOUN
asir-2213	86	17	,	,	PUNCT
asir-2213	86	18	which	which	PRON
asir-2213	86	19	is	be	AUX
asir-2213	86	20	net	net	ADJ
asir-2213	86	21	interest	interest	NOUN
asir-2213	86	22	margin	margin	NOUN
asir-2213	86	23	(	(	PUNCT
asir-2213	86	24	nim	nim	NOUN
asir-2213	86	25	)	)	PUNCT
asir-2213	86	26	,	,	PUNCT
asir-2213	86	27	and	and	CCONJ
asir-2213	86	28	defined	define	VERB
asir-2213	86	29	as	as	ADP
asir-2213	86	30	the	the	DET
asir-2213	86	31	difference	difference	NOUN
asir-2213	86	32	between	between	ADP
asir-2213	86	33	interest	interest	NOUN
asir-2213	86	34	income	income	NOUN
asir-2213	86	35	and	and	CCONJ
asir-2213	86	36	interest	interest	NOUN
asir-2213	86	37	expense	expense	NOUN
asir-2213	86	38	expressed	express	VERB
asir-2213	86	39	as	as	ADP
asir-2213	86	40	a	a	DET
asir-2213	86	41	ratio	ratio	NOUN
asir-2213	86	42	to	to	ADP
asir-2213	86	43	total	total	ADJ
asir-2213	86	44	assets	asset	NOUN
asir-2213	86	45	.	.	PUNCT
asir-2213	87	1	3.3	3.3	NUM
asir-2213	87	2	bank	bank	NOUN
asir-2213	87	3	-	-	PUNCT
asir-2213	87	4	specific	specific	ADJ
asir-2213	87	5	variables	variable	NOUN
asir-2213	87	6	the	the	DET
asir-2213	87	7	explanatory	explanatory	ADJ
asir-2213	87	8	variables	variable	NOUN
asir-2213	87	9	employed	employ	VERB
asir-2213	87	10	in	in	ADP
asir-2213	87	11	the	the	DET
asir-2213	87	12	estimations	estimation	NOUN
asir-2213	87	13	are	be	AUX
asir-2213	87	14	discussed	discuss	VERB
asir-2213	87	15	below	below	ADP
asir-2213	87	16	:	:	PUNCT
asir-2213	87	17	3.3.1	3.3.1	NUM
asir-2213	87	18	degree	degree	NOUN
asir-2213	87	19	of	of	ADP
asir-2213	87	20	risk	risk	NOUN
asir-2213	87	21	aversion	aversion	NOUN
asir-2213	87	22	(	(	PUNCT
asir-2213	87	23	risk	risk	NOUN
asir-2213	87	24	)	)	PUNCT
asir-2213	87	25	several	several	ADJ
asir-2213	87	26	approaches	approach	NOUN
asir-2213	87	27	have	have	AUX
asir-2213	87	28	been	be	AUX
asir-2213	87	29	used	use	VERB
asir-2213	87	30	in	in	ADP
asir-2213	87	31	the	the	DET
asir-2213	87	32	academic	academic	ADJ
asir-2213	87	33	literature	literature	NOUN
asir-2213	87	34	to	to	PART
asir-2213	87	35	measure	measure	VERB
asir-2213	87	36	the	the	DET
asir-2213	87	37	degree	degree	NOUN
asir-2213	87	38	of	of	ADP
asir-2213	87	39	risk	risk	NOUN
asir-2213	87	40	aversion	aversion	NOUN
asir-2213	87	41	.	.	PUNCT
asir-2213	88	1	this	this	DET
asir-2213	88	2	paper	paper	NOUN
asir-2213	88	3	follows	follow	VERB
asir-2213	88	4	the	the	DET
asir-2213	88	5	bank	bank	NOUN
asir-2213	88	6	’s	’s	PART
asir-2213	88	7	capital	capital	NOUN
asir-2213	88	8	ratio	ratio	NOUN
asir-2213	88	9	approach	approach	NOUN
asir-2213	88	10	used	use	VERB
asir-2213	88	11	by	by	ADP
asir-2213	88	12	mcshane	mcshane	PROPN
asir-2213	88	13	and	and	CCONJ
asir-2213	88	14	sharpe	sharpe	PROPN
asir-2213	88	15	(	(	PUNCT
asir-2213	88	16	1985	1985	NUM
asir-2213	88	17	)	)	PUNCT
asir-2213	88	18	,	,	PUNCT
asir-2213	88	19	measured	measure	VERB
asir-2213	88	20	as	as	ADP
asir-2213	88	21	the	the	DET
asir-2213	88	22	ratio	ratio	NOUN
asir-2213	88	23	of	of	ADP
asir-2213	88	24	shareholders	shareholder	NOUN
asir-2213	88	25	’	'	PUNCT
asir-2213	88	26	funds	fund	NOUN
asir-2213	88	27	to	to	ADP
asir-2213	88	28	total	total	ADJ
asir-2213	88	29	assets	asset	NOUN
asir-2213	88	30	.	.	PUNCT
asir-2213	89	1	in	in	ADP
asir-2213	89	2	their	their	PRON
asir-2213	89	3	study	study	NOUN
asir-2213	89	4	of	of	ADP
asir-2213	89	5	the	the	DET
asir-2213	89	6	australian	australian	ADJ
asir-2213	89	7	trading	trading	NOUN
asir-2213	89	8	banks	bank	NOUN
asir-2213	89	9	,	,	PUNCT
asir-2213	89	10	mcshane	mcshane	PROPN
asir-2213	89	11	and	and	CCONJ
asir-2213	89	12	sharpe	sharpe	PROPN
asir-2213	89	13	(	(	PUNCT
asir-2213	89	14	1985	1985	NUM
asir-2213	89	15	)	)	PUNCT
asir-2213	89	16	argue	argue	VERB
asir-2213	89	17	that	that	SCONJ
asir-2213	89	18	the	the	DET
asir-2213	89	19	capital	capital	NOUN
asir-2213	89	20	ratio	ratio	NOUN
asir-2213	89	21	approach	approach	NOUN
asir-2213	89	22	can	can	AUX
asir-2213	89	23	be	be	AUX
asir-2213	89	24	artificially	artificially	ADV
asir-2213	89	25	affected	affect	VERB
asir-2213	89	26	by	by	ADP
asir-2213	89	27	accounting	accounting	NOUN
asir-2213	89	28	conventions	convention	NOUN
asir-2213	89	29	such	such	ADJ
asir-2213	89	30	as	as	ADP
asir-2213	89	31	asset	asset	NOUN
asir-2213	89	32	revaluations	revaluation	NOUN
asir-2213	89	33	,	,	PUNCT
asir-2213	89	34	loan	loan	NOUN
asir-2213	89	35	loss	loss	NOUN
asir-2213	89	36	provisioning	provisioning	NOUN
asir-2213	89	37	,	,	PUNCT
asir-2213	89	38	hidden	hidden	ADJ
asir-2213	89	39	reserves	reserve	NOUN
asir-2213	89	40	and	and	CCONJ
asir-2213	89	41	the	the	DET
asir-2213	89	42	treatment	treatment	NOUN
asir-2213	89	43	of	of	ADP
asir-2213	89	44	various	various	ADJ
asir-2213	89	45	contingency	contingency	NOUN
asir-2213	89	46	accounts	account	NOUN
asir-2213	89	47	.	.	PUNCT
asir-2213	90	1	however	however	ADV
asir-2213	90	2	,	,	PUNCT
asir-2213	90	3	the	the	DET
asir-2213	90	4	approach	approach	NOUN
asir-2213	90	5	of	of	ADP
asir-2213	90	6	mcshane	mcshane	PROPN
asir-2213	90	7	and	and	CCONJ
asir-2213	90	8	sharpe	sharpe	PROPN
asir-2213	90	9	(	(	PUNCT
asir-2213	90	10	1985	1985	NUM
asir-2213	90	11	)	)	PUNCT
asir-2213	90	12	overcomes	overcome	VERB
asir-2213	90	13	this	this	DET
asir-2213	90	14	limitation	limitation	NOUN
asir-2213	90	15	.	.	PUNCT
asir-2213	91	1	in	in	ADP
asir-2213	91	2	addition	addition	NOUN
asir-2213	91	3	to	to	ADP
asir-2213	91	4	the	the	DET
asir-2213	91	5	risk	risk	NOUN
asir-2213	91	6	management	management	NOUN
asir-2213	91	7	of	of	ADP
asir-2213	91	8	a	a	DET
asir-2213	91	9	bank	bank	NOUN
asir-2213	91	10	,	,	PUNCT
asir-2213	91	11	which	which	PRON
asir-2213	91	12	is	be	AUX
asir-2213	91	13	related	relate	VERB
asir-2213	91	14	to	to	PART
asir-2213	91	15	riskiness	riskiness	VERB
asir-2213	91	16	of	of	ADP
asir-2213	91	17	the	the	DET
asir-2213	91	18	overall	overall	ADJ
asir-2213	91	19	portfolio	portfolio	NOUN
asir-2213	91	20	,	,	PUNCT
asir-2213	91	21	mcshane	mcshane	PROPN
asir-2213	91	22	and	and	CCONJ
asir-2213	91	23	sharpe	sharpe	PROPN
asir-2213	91	24	(	(	PUNCT
asir-2213	91	25	1985	1985	NUM
asir-2213	91	26	)	)	PUNCT
asir-2213	91	27	note	note	VERB
asir-2213	91	28	that	that	SCONJ
asir-2213	91	29	banks	bank	NOUN
asir-2213	91	30	that	that	PRON
asir-2213	91	31	operate	operate	VERB
asir-2213	91	32	in	in	ADP
asir-2213	91	33	low	low	ADJ
asir-2213	91	34	risk	risk	NOUN
asir-2213	91	35	sectors	sector	NOUN
asir-2213	91	36	of	of	ADP
asir-2213	91	37	loan	loan	NOUN
asir-2213	91	38	,	,	PUNCT
asir-2213	91	39	investment	investment	NOUN
asir-2213	91	40	and	and	CCONJ
asir-2213	91	41	deposit	deposit	NOUN
asir-2213	91	42	markets	market	NOUN
asir-2213	91	43	may	may	AUX
asir-2213	91	44	choose	choose	VERB
asir-2213	91	45	to	to	PART
asir-2213	91	46	maintain	maintain	VERB
asir-2213	91	47	a	a	DET
asir-2213	91	48	low	low	ADJ
asir-2213	91	49	capitalisation	capitalisation	NOUN
asir-2213	91	50	,	,	PUNCT
asir-2213	91	51	which	which	PRON
asir-2213	91	52	could	could	AUX
asir-2213	91	53	imply	imply	VERB
asir-2213	91	54	a	a	DET
asir-2213	91	55	relatively	relatively	ADV
asir-2213	91	56	high	high	ADJ
asir-2213	91	57	risk	risk	NOUN
asir-2213	91	58	preference	preference	NOUN
asir-2213	91	59	.	.	PUNCT
asir-2213	92	1	however	however	ADV
asir-2213	92	2	,	,	PUNCT
asir-2213	92	3	the	the	DET
asir-2213	92	4	risk	risk	NOUN
asir-2213	92	5	exposure	exposure	NOUN
asir-2213	92	6	of	of	ADP
asir-2213	92	7	the	the	DET
asir-2213	92	8	total	total	ADJ
asir-2213	92	9	portfolio	portfolio	NOUN
asir-2213	92	10	of	of	ADP
asir-2213	92	11	a	a	DET
asir-2213	92	12	low	low	ADJ
asir-2213	92	13	capital	capital	NOUN
asir-2213	92	14	ratio	ratio	NOUN
asir-2213	92	15	institution	institution	NOUN
asir-2213	92	16	need	need	AUX
asir-2213	92	17	not	not	PART
asir-2213	92	18	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	VERB
asir-2213	92	19	applied	apply	VERB
asir-2213	92	20	science	science	NOUN
asir-2213	92	21	and	and	CCONJ
asir-2213	92	22	innovative	innovative	ADJ
asir-2213	92	23	research	research	NOUN
asir-2213	92	24	vol	vol	NOUN
asir-2213	92	25	.	.	PUNCT
asir-2213	93	1	3	3	NUM
asir-2213	93	2	,	,	PUNCT
asir-2213	93	3	no	no	INTJ
asir-2213	93	4	.	.	NOUN
asir-2213	93	5	3	3	NUM
asir-2213	93	6	,	,	PUNCT
asir-2213	93	7	2019	2019	NUM
asir-2213	93	8	138	138	NUM
asir-2213	93	9	published	publish	VERB
asir-2213	93	10	by	by	ADP
asir-2213	93	11	scholink	scholink	PROPN
asir-2213	93	12	inc	inc	PROPN
asir-2213	93	13	.	.	PROPN
asir-2213	93	14	necessarily	necessarily	ADV
asir-2213	93	15	be	be	AUX
asir-2213	93	16	greater	great	ADJ
asir-2213	93	17	than	than	ADP
asir-2213	93	18	that	that	PRON
asir-2213	93	19	of	of	ADP
asir-2213	93	20	another	another	DET
asir-2213	93	21	institution	institution	NOUN
asir-2213	93	22	with	with	ADP
asir-2213	93	23	a	a	DET
asir-2213	93	24	high	high	ADJ
asir-2213	93	25	capital	capital	NOUN
asir-2213	93	26	ratio	ratio	NOUN
asir-2213	93	27	,	,	PUNCT
asir-2213	93	28	especially	especially	ADV
asir-2213	93	29	if	if	SCONJ
asir-2213	93	30	the	the	DET
asir-2213	93	31	high	high	ADJ
asir-2213	93	32	capital	capital	NOUN
asir-2213	93	33	ratio	ratio	NOUN
asir-2213	93	34	of	of	ADP
asir-2213	93	35	this	this	DET
asir-2213	93	36	institution	institution	NOUN
asir-2213	93	37	is	be	AUX
asir-2213	93	38	offset	offset	VERB
asir-2213	93	39	by	by	ADP
asir-2213	93	40	a	a	DET
asir-2213	93	41	more	more	ADV
asir-2213	93	42	risky	risky	ADJ
asir-2213	93	43	loan	loan	NOUN
asir-2213	93	44	and	and	CCONJ
asir-2213	93	45	investment	investment	NOUN
asir-2213	93	46	portfolio	portfolio	NOUN
asir-2213	93	47	.	.	PUNCT
asir-2213	94	1	berger	berger	PROPN
asir-2213	94	2	(	(	PUNCT
asir-2213	94	3	1995	1995	NUM
asir-2213	94	4	)	)	PUNCT
asir-2213	94	5	argues	argue	VERB
asir-2213	94	6	that	that	SCONJ
asir-2213	94	7	well	well	ADV
asir-2213	94	8	-	-	PUNCT
asir-2213	94	9	capitalised	capitalise	VERB
asir-2213	94	10	banks	bank	NOUN
asir-2213	94	11	face	face	VERB
asir-2213	94	12	lower	lower	ADV
asir-2213	94	13	expected	expect	VERB
asir-2213	94	14	bankruptcy	bankruptcy	NOUN
asir-2213	94	15	costs	cost	NOUN
asir-2213	94	16	for	for	ADP
asir-2213	94	17	themselves	themselves	PRON
asir-2213	94	18	and	and	CCONJ
asir-2213	94	19	their	their	PRON
asir-2213	94	20	customers	customer	NOUN
asir-2213	94	21	,	,	PUNCT
asir-2213	94	22	which	which	PRON
asir-2213	94	23	reduces	reduce	VERB
asir-2213	94	24	their	their	PRON
asir-2213	94	25	cost	cost	NOUN
asir-2213	94	26	of	of	ADP
asir-2213	94	27	funding	funding	NOUN
asir-2213	94	28	.	.	PUNCT
asir-2213	95	1	as	as	SCONJ
asir-2213	95	2	equity	equity	NOUN
asir-2213	95	3	is	be	AUX
asir-2213	95	4	a	a	DET
asir-2213	95	5	more	more	ADV
asir-2213	95	6	expensive	expensive	ADJ
asir-2213	95	7	funding	funding	NOUN
asir-2213	95	8	source	source	NOUN
asir-2213	95	9	,	,	PUNCT
asir-2213	95	10	a	a	DET
asir-2213	95	11	positive	positive	ADJ
asir-2213	95	12	relationship	relationship	NOUN
asir-2213	95	13	is	be	AUX
asir-2213	95	14	expected	expect	VERB
asir-2213	95	15	between	between	ADP
asir-2213	95	16	the	the	DET
asir-2213	95	17	degree	degree	NOUN
asir-2213	95	18	of	of	ADP
asir-2213	95	19	risk	risk	NOUN
asir-2213	95	20	aversion	aversion	NOUN
asir-2213	95	21	and	and	CCONJ
asir-2213	95	22	the	the	DET
asir-2213	95	23	net	net	ADJ
asir-2213	95	24	interest	interest	NOUN
asir-2213	95	25	margin	margin	NOUN
asir-2213	95	26	,	,	PUNCT
asir-2213	95	27	because	because	SCONJ
asir-2213	95	28	risk	risk	NOUN
asir-2213	95	29	averse	averse	ADJ
asir-2213	95	30	banks	bank	NOUN
asir-2213	95	31	will	will	AUX
asir-2213	95	32	require	require	VERB
asir-2213	95	33	a	a	DET
asir-2213	95	34	higher	high	ADJ
asir-2213	95	35	net	net	ADJ
asir-2213	95	36	interest	interest	NOUN
asir-2213	95	37	margin	margin	NOUN
asir-2213	95	38	to	to	PART
asir-2213	95	39	cater	cater	VERB
asir-2213	95	40	for	for	ADP
asir-2213	95	41	the	the	DET
asir-2213	95	42	increase	increase	NOUN
asir-2213	95	43	in	in	ADP
asir-2213	95	44	the	the	DET
asir-2213	95	45	average	average	ADJ
asir-2213	95	46	cost	cost	NOUN
asir-2213	95	47	of	of	ADP
asir-2213	95	48	capital	capital	NOUN
asir-2213	95	49	.	.	PUNCT
asir-2213	96	1	3.2.2	3.2.2	NUM
asir-2213	96	2	operating	operating	NOUN
asir-2213	96	3	costs	cost	NOUN
asir-2213	96	4	(	(	PUNCT
asir-2213	96	5	opc	opc	NOUN
asir-2213	96	6	)	)	PUNCT
asir-2213	96	7	operating	operating	NOUN
asir-2213	96	8	costs	cost	NOUN
asir-2213	96	9	are	be	AUX
asir-2213	96	10	measured	measure	VERB
asir-2213	96	11	by	by	ADP
asir-2213	96	12	the	the	DET
asir-2213	96	13	ratio	ratio	NOUN
asir-2213	96	14	of	of	ADP
asir-2213	96	15	operating	operating	NOUN
asir-2213	96	16	costs	cost	NOUN
asir-2213	96	17	to	to	ADP
asir-2213	96	18	total	total	ADJ
asir-2213	96	19	assets	asset	NOUN
asir-2213	96	20	.	.	PUNCT
asir-2213	97	1	this	this	DET
asir-2213	97	2	variable	variable	NOUN
asir-2213	97	3	identifies	identify	VERB
asir-2213	97	4	the	the	DET
asir-2213	97	5	extent	extent	NOUN
asir-2213	97	6	to	to	PART
asir-2213	97	7	which	which	PRON
asir-2213	97	8	banks	bank	NOUN
asir-2213	97	9	transfer	transfer	VERB
asir-2213	97	10	their	their	PRON
asir-2213	97	11	cost	cost	NOUN
asir-2213	97	12	of	of	ADP
asir-2213	97	13	operation	operation	NOUN
asir-2213	97	14	to	to	ADP
asir-2213	97	15	depositors	depositor	NOUN
asir-2213	97	16	and	and	CCONJ
asir-2213	97	17	borrowers	borrower	NOUN
asir-2213	97	18	.	.	PUNCT
asir-2213	98	1	it	it	PRON
asir-2213	98	2	also	also	ADV
asir-2213	98	3	helps	help	VERB
asir-2213	98	4	to	to	PART
asir-2213	98	5	identify	identify	VERB
asir-2213	98	6	the	the	DET
asir-2213	98	7	efficiency	efficiency	NOUN
asir-2213	98	8	of	of	ADP
asir-2213	98	9	the	the	DET
asir-2213	98	10	banking	banking	NOUN
asir-2213	98	11	system	system	NOUN
asir-2213	98	12	,	,	PUNCT
asir-2213	98	13	as	as	SCONJ
asir-2213	98	14	more	more	ADV
asir-2213	98	15	efficient	efficient	ADJ
asir-2213	98	16	banks	bank	NOUN
asir-2213	98	17	are	be	AUX
asir-2213	98	18	expected	expect	VERB
asir-2213	98	19	to	to	PART
asir-2213	98	20	operate	operate	VERB
asir-2213	98	21	at	at	ADP
asir-2213	98	22	lower	low	ADJ
asir-2213	98	23	costs	cost	NOUN
asir-2213	98	24	.	.	PUNCT
asir-2213	99	1	notwithstanding	notwithstanding	ADV
asir-2213	99	2	,	,	PUNCT
asir-2213	99	3	efficient	efficient	ADJ
asir-2213	99	4	banks	bank	NOUN
asir-2213	99	5	can	can	AUX
asir-2213	99	6	also	also	ADV
asir-2213	99	7	operate	operate	VERB
asir-2213	99	8	at	at	ADP
asir-2213	99	9	high	high	ADJ
asir-2213	99	10	cost	cost	NOUN
asir-2213	99	11	by	by	ADP
asir-2213	99	12	taking	take	VERB
asir-2213	99	13	higher	high	ADJ
asir-2213	99	14	risk	risk	NOUN
asir-2213	99	15	for	for	ADP
asir-2213	99	16	high	high	ADJ
asir-2213	99	17	returns	return	NOUN
asir-2213	99	18	.	.	PUNCT
asir-2213	100	1	operating	operating	NOUN
asir-2213	100	2	costs	cost	NOUN
asir-2213	100	3	represent	represent	VERB
asir-2213	100	4	the	the	DET
asir-2213	100	5	banks	bank	NOUN
asir-2213	100	6	’	'	PUNCT
asir-2213	100	7	staffing	staffing	NOUN
asir-2213	100	8	costs	cost	NOUN
asir-2213	100	9	,	,	PUNCT
asir-2213	100	10	occupancy	occupancy	NOUN
asir-2213	100	11	and	and	CCONJ
asir-2213	100	12	depreciation	depreciation	NOUN
asir-2213	100	13	,	,	PUNCT
asir-2213	100	14	as	as	ADV
asir-2213	100	15	well	well	ADV
asir-2213	100	16	as	as	ADP
asir-2213	100	17	other	other	ADJ
asir-2213	100	18	operating	operating	NOUN
asir-2213	100	19	costs	cost	NOUN
asir-2213	100	20	(	(	PUNCT
asir-2213	100	21	note	note	NOUN
asir-2213	100	22	6	6	NUM
asir-2213	100	23	)	)	PUNCT
asir-2213	100	24	.	.	PUNCT
asir-2213	101	1	this	this	DET
asir-2213	101	2	measure	measure	NOUN
asir-2213	101	3	is	be	AUX
asir-2213	101	4	expected	expect	VERB
asir-2213	101	5	to	to	PART
asir-2213	101	6	have	have	VERB
asir-2213	101	7	a	a	DET
asir-2213	101	8	positive	positive	ADJ
asir-2213	101	9	relationship	relationship	NOUN
asir-2213	101	10	with	with	ADP
asir-2213	101	11	net	net	ADJ
asir-2213	101	12	interest	interest	NOUN
asir-2213	101	13	margin	margin	NOUN
asir-2213	101	14	since	since	SCONJ
asir-2213	101	15	banks	bank	NOUN
asir-2213	101	16	experiencing	experience	VERB
asir-2213	101	17	high	high	ADJ
asir-2213	101	18	operating	operating	NOUN
asir-2213	101	19	costs	cost	NOUN
asir-2213	101	20	will	will	AUX
asir-2213	101	21	apply	apply	VERB
asir-2213	101	22	a	a	DET
asir-2213	101	23	wider	wide	ADJ
asir-2213	101	24	interest	interest	NOUN
asir-2213	101	25	spread	spread	VERB
asir-2213	101	26	in	in	ADP
asir-2213	101	27	order	order	NOUN
asir-2213	101	28	to	to	PART
asir-2213	101	29	make	make	VERB
asir-2213	101	30	adequate	adequate	ADJ
asir-2213	101	31	profit	profit	NOUN
asir-2213	101	32	to	to	PART
asir-2213	101	33	cover	cover	VERB
asir-2213	101	34	their	their	PRON
asir-2213	101	35	operating	operating	NOUN
asir-2213	101	36	expenses	expense	NOUN
asir-2213	101	37	.	.	PUNCT
asir-2213	102	1	3.3.3	3.3.3	NUM
asir-2213	102	2	managerial	managerial	ADJ
asir-2213	102	3	efficiency	efficiency	NOUN
asir-2213	102	4	(	(	PUNCT
asir-2213	102	5	mgt	mgt	NOUN
asir-2213	102	6	)	)	PUNCT
asir-2213	102	7	according	accord	VERB
asir-2213	102	8	to	to	ADP
asir-2213	102	9	angbazo	angbazo	PROPN
asir-2213	102	10	(	(	PUNCT
asir-2213	102	11	1997	1997	NUM
asir-2213	102	12	)	)	PUNCT
asir-2213	102	13	,	,	PUNCT
asir-2213	102	14	the	the	DET
asir-2213	102	15	component	component	NOUN
asir-2213	102	16	of	of	ADP
asir-2213	102	17	the	the	DET
asir-2213	102	18	interest	interest	NOUN
asir-2213	102	19	margin	margin	NOUN
asir-2213	102	20	that	that	PRON
asir-2213	102	21	is	be	AUX
asir-2213	102	22	attributable	attributable	ADJ
asir-2213	102	23	to	to	ADP
asir-2213	102	24	management	management	NOUN
asir-2213	102	25	quality	quality	NOUN
asir-2213	102	26	is	be	AUX
asir-2213	102	27	based	base	VERB
asir-2213	102	28	on	on	ADP
asir-2213	102	29	the	the	DET
asir-2213	102	30	fact	fact	NOUN
asir-2213	102	31	that	that	SCONJ
asir-2213	102	32	as	as	SCONJ
asir-2213	102	33	management	management	NOUN
asir-2213	102	34	decisions	decision	NOUN
asir-2213	102	35	are	be	AUX
asir-2213	102	36	translated	translate	VERB
asir-2213	102	37	into	into	ADP
asir-2213	102	38	a	a	DET
asir-2213	102	39	high	high	ADJ
asir-2213	102	40	-	-	PUNCT
asir-2213	102	41	yield	yield	NOUN
asir-2213	102	42	composition	composition	NOUN
asir-2213	102	43	of	of	ADP
asir-2213	102	44	assets	asset	NOUN
asir-2213	102	45	and	and	CCONJ
asir-2213	102	46	a	a	DET
asir-2213	102	47	low	low	ADJ
asir-2213	102	48	-	-	PUNCT
asir-2213	102	49	cost	cost	NOUN
asir-2213	102	50	composition	composition	NOUN
asir-2213	102	51	of	of	ADP
asir-2213	102	52	liabilities	liability	NOUN
asir-2213	102	53	,	,	PUNCT
asir-2213	102	54	these	these	DET
asir-2213	102	55	changes	change	NOUN
asir-2213	102	56	are	be	AUX
asir-2213	102	57	expected	expect	VERB
asir-2213	102	58	to	to	PART
asir-2213	102	59	reflect	reflect	VERB
asir-2213	102	60	in	in	ADP
asir-2213	102	61	higher	high	ADJ
asir-2213	102	62	net	net	ADJ
asir-2213	102	63	interest	interest	NOUN
asir-2213	102	64	margins	margin	NOUN
asir-2213	102	65	.	.	PUNCT
asir-2213	103	1	the	the	DET
asir-2213	103	2	quality	quality	NOUN
asir-2213	103	3	or	or	CCONJ
asir-2213	103	4	efficiency	efficiency	NOUN
asir-2213	103	5	of	of	ADP
asir-2213	103	6	management	management	NOUN
asir-2213	103	7	is	be	AUX
asir-2213	103	8	measured	measure	VERB
asir-2213	103	9	by	by	ADP
asir-2213	103	10	the	the	DET
asir-2213	103	11	cost	cost	NOUN
asir-2213	103	12	to	to	PART
asir-2213	103	13	income	income	NOUN
asir-2213	103	14	ratio	ratio	NOUN
asir-2213	103	15	,	,	PUNCT
asir-2213	103	16	calculated	calculate	VERB
asir-2213	103	17	as	as	ADP
asir-2213	103	18	the	the	DET
asir-2213	103	19	operating	operating	NOUN
asir-2213	103	20	cost	cost	NOUN
asir-2213	103	21	to	to	ADP
asir-2213	103	22	gross	gross	ADJ
asir-2213	103	23	income	income	NOUN
asir-2213	103	24	.	.	PUNCT
asir-2213	104	1	a	a	DET
asir-2213	104	2	negative	negative	ADJ
asir-2213	104	3	relationship	relationship	NOUN
asir-2213	104	4	is	be	AUX
asir-2213	104	5	anticipated	anticipate	VERB
asir-2213	104	6	between	between	ADP
asir-2213	104	7	this	this	DET
asir-2213	104	8	variable	variable	ADJ
asir-2213	104	9	and	and	CCONJ
asir-2213	104	10	net	net	ADJ
asir-2213	104	11	interest	interest	NOUN
asir-2213	104	12	margin	margin	NOUN
asir-2213	104	13	because	because	SCONJ
asir-2213	104	14	an	an	DET
asir-2213	104	15	increase	increase	NOUN
asir-2213	104	16	in	in	ADP
asir-2213	104	17	this	this	DET
asir-2213	104	18	ratio	ratio	NOUN
asir-2213	104	19	implies	imply	VERB
asir-2213	104	20	a	a	DET
asir-2213	104	21	decrease	decrease	NOUN
asir-2213	104	22	in	in	ADP
asir-2213	104	23	management	management	NOUN
asir-2213	104	24	quality	quality	NOUN
asir-2213	104	25	,	,	PUNCT
asir-2213	104	26	hence	hence	ADV
asir-2213	104	27	a	a	DET
asir-2213	104	28	lower	low	ADJ
asir-2213	104	29	interest	interest	NOUN
asir-2213	104	30	margin	margin	NOUN
asir-2213	104	31	will	will	AUX
asir-2213	104	32	apply	apply	VERB
asir-2213	104	33	.	.	PUNCT
asir-2213	105	1	3.3.4	3.3.4	NUM
asir-2213	105	2	fee	fee	NOUN
asir-2213	105	3	income	income	NOUN
asir-2213	105	4	(	(	PUNCT
asir-2213	105	5	fee	fee	NOUN
asir-2213	105	6	)	)	PUNCT
asir-2213	105	7	this	this	DET
asir-2213	105	8	variable	variable	NOUN
asir-2213	105	9	is	be	AUX
asir-2213	105	10	defined	define	VERB
asir-2213	105	11	by	by	ADP
asir-2213	105	12	the	the	DET
asir-2213	105	13	ratio	ratio	NOUN
asir-2213	105	14	of	of	ADP
asir-2213	105	15	non	non	ADJ
asir-2213	105	16	-	-	ADJ
asir-2213	105	17	interest	interest	ADJ
asir-2213	105	18	operating	operate	VERB
asir-2213	105	19	income	income	NOUN
asir-2213	105	20	to	to	ADP
asir-2213	105	21	total	total	ADJ
asir-2213	105	22	assets	asset	NOUN
asir-2213	105	23	.	.	PUNCT
asir-2213	106	1	this	this	DET
asir-2213	106	2	measure	measure	NOUN
asir-2213	106	3	captures	capture	VERB
asir-2213	106	4	the	the	DET
asir-2213	106	5	portion	portion	NOUN
asir-2213	106	6	of	of	ADP
asir-2213	106	7	banks	bank	NOUN
asir-2213	106	8	’	’	PART
asir-2213	106	9	assets	asset	NOUN
asir-2213	106	10	that	that	PRON
asir-2213	106	11	is	be	AUX
asir-2213	106	12	attributable	attributable	ADJ
asir-2213	106	13	to	to	ADP
asir-2213	106	14	feeand	feeand	ADV
asir-2213	106	15	commission	commission	NOUN
asir-2213	106	16	-	-	PUNCT
asir-2213	106	17	based	base	VERB
asir-2213	106	18	services	service	NOUN
asir-2213	106	19	.	.	PUNCT
asir-2213	107	1	it	it	PRON
asir-2213	107	2	also	also	ADV
asir-2213	107	3	indicates	indicate	VERB
asir-2213	107	4	how	how	SCONJ
asir-2213	107	5	banks	bank	NOUN
asir-2213	107	6	rely	rely	VERB
asir-2213	107	7	heavily	heavily	ADV
asir-2213	107	8	on	on	ADP
asir-2213	107	9	these	these	DET
asir-2213	107	10	alternative	alternative	ADJ
asir-2213	107	11	sources	source	NOUN
asir-2213	107	12	of	of	ADP
asir-2213	107	13	revenue	revenue	NOUN
asir-2213	107	14	.	.	PUNCT
asir-2213	108	1	as	as	SCONJ
asir-2213	108	2	noted	note	VERB
asir-2213	108	3	by	by	ADP
asir-2213	108	4	demirgüç	demirgüç	PROPN
asir-2213	108	5	-	-	PUNCT
asir-2213	108	6	kunt	kunt	PROPN
asir-2213	108	7	et	et	PROPN
asir-2213	108	8	al	al	PROPN
asir-2213	108	9	.	.	PROPN
asir-2213	108	10	(	(	PUNCT
asir-2213	108	11	2004	2004	NUM
asir-2213	108	12	)	)	PUNCT
asir-2213	108	13	,	,	PUNCT
asir-2213	108	14	banks	bank	NOUN
asir-2213	108	15	have	have	VERB
asir-2213	108	16	different	different	ADJ
asir-2213	108	17	product	product	NOUN
asir-2213	108	18	mixes	mix	NOUN
asir-2213	108	19	that	that	PRON
asir-2213	108	20	may	may	AUX
asir-2213	108	21	influence	influence	VERB
asir-2213	108	22	the	the	DET
asir-2213	108	23	pricing	pricing	NOUN
asir-2213	108	24	of	of	ADP
asir-2213	108	25	loan	loan	NOUN
asir-2213	108	26	products	product	NOUN
asir-2213	108	27	.	.	PUNCT
asir-2213	109	1	a	a	DET
asir-2213	109	2	bank	bank	NOUN
asir-2213	109	3	with	with	ADP
asir-2213	109	4	well	well	ADV
asir-2213	109	5	-	-	PUNCT
asir-2213	109	6	developed	develop	VERB
asir-2213	109	7	fee	fee	NOUN
asir-2213	109	8	income	income	NOUN
asir-2213	109	9	sources	source	NOUN
asir-2213	109	10	will	will	AUX
asir-2213	109	11	set	set	VERB
asir-2213	109	12	lower	low	ADJ
asir-2213	109	13	interest	interest	NOUN
asir-2213	109	14	margins	margin	NOUN
asir-2213	109	15	,	,	PUNCT
asir-2213	109	16	because	because	SCONJ
asir-2213	109	17	of	of	ADP
asir-2213	109	18	cross	cross	NOUN
asir-2213	109	19	-	-	NOUN
asir-2213	109	20	subsidisation	subsidisation	NOUN
asir-2213	109	21	of	of	ADP
asir-2213	109	22	the	the	DET
asir-2213	109	23	intermediation	intermediation	NOUN
asir-2213	109	24	activity	activity	NOUN
asir-2213	109	25	.	.	PUNCT
asir-2213	110	1	a	a	DET
asir-2213	110	2	negative	negative	ADJ
asir-2213	110	3	relationship	relationship	NOUN
asir-2213	110	4	between	between	ADP
asir-2213	110	5	this	this	DET
asir-2213	110	6	ratio	ratio	NOUN
asir-2213	110	7	and	and	CCONJ
asir-2213	110	8	net	net	ADJ
asir-2213	110	9	interest	interest	NOUN
asir-2213	110	10	margin	margin	NOUN
asir-2213	110	11	is	be	AUX
asir-2213	110	12	anticipated	anticipate	VERB
asir-2213	110	13	because	because	SCONJ
asir-2213	110	14	the	the	PRON
asir-2213	110	15	greater	great	ADJ
asir-2213	110	16	the	the	DET
asir-2213	110	17	dependence	dependence	NOUN
asir-2213	110	18	of	of	ADP
asir-2213	110	19	the	the	DET
asir-2213	110	20	bank	bank	NOUN
asir-2213	110	21	on	on	ADP
asir-2213	110	22	these	these	DET
asir-2213	110	23	services	service	NOUN
asir-2213	110	24	,	,	PUNCT
asir-2213	110	25	the	the	DET
asir-2213	110	26	less	less	ADJ
asir-2213	110	27	reliance	reliance	NOUN
asir-2213	110	28	there	there	PRON
asir-2213	110	29	is	be	VERB
asir-2213	110	30	on	on	ADP
asir-2213	110	31	net	net	ADJ
asir-2213	110	32	interest	interest	NOUN
asir-2213	110	33	margin	margin	NOUN
asir-2213	110	34	as	as	ADP
asir-2213	110	35	a	a	DET
asir-2213	110	36	source	source	NOUN
asir-2213	110	37	of	of	ADP
asir-2213	110	38	income	income	NOUN
asir-2213	110	39	.	.	PUNCT
asir-2213	111	1	3.3.5	3.3.5	NUM
asir-2213	111	2	credit	credit	NOUN
asir-2213	111	3	risk	risk	NOUN
asir-2213	111	4	(	(	PUNCT
asir-2213	111	5	cred	cred	ADJ
asir-2213	111	6	)	)	PUNCT
asir-2213	111	7	the	the	DET
asir-2213	111	8	ratio	ratio	NOUN
asir-2213	111	9	of	of	ADP
asir-2213	111	10	the	the	DET
asir-2213	111	11	provisions	provision	NOUN
asir-2213	111	12	for	for	ADP
asir-2213	111	13	bad	bad	ADJ
asir-2213	111	14	and	and	CCONJ
asir-2213	111	15	doubtful	doubtful	ADJ
asir-2213	111	16	debts	debt	NOUN
asir-2213	111	17	to	to	ADP
asir-2213	111	18	gross	gross	ADJ
asir-2213	111	19	loans	loan	NOUN
asir-2213	111	20	is	be	AUX
asir-2213	111	21	used	use	VERB
asir-2213	111	22	to	to	PART
asir-2213	111	23	reflect	reflect	VERB
asir-2213	111	24	the	the	DET
asir-2213	111	25	risk	risk	NOUN
asir-2213	111	26	of	of	ADP
asir-2213	111	27	defaults	default	NOUN
asir-2213	111	28	on	on	ADP
asir-2213	111	29	credit	credit	NOUN
asir-2213	111	30	.	.	PUNCT
asir-2213	112	1	banks	bank	NOUN
asir-2213	112	2	will	will	AUX
asir-2213	112	3	require	require	VERB
asir-2213	112	4	compensation	compensation	NOUN
asir-2213	112	5	by	by	ADP
asir-2213	112	6	charging	charge	VERB
asir-2213	112	7	an	an	DET
asir-2213	112	8	extra	extra	ADJ
asir-2213	112	9	risk	risk	NOUN
asir-2213	112	10	premium	premium	NOUN
asir-2213	112	11	on	on	ADP
asir-2213	112	12	their	their	PRON
asir-2213	112	13	lending	lending	NOUN
asir-2213	112	14	rates	rate	NOUN
asir-2213	112	15	in	in	ADP
asir-2213	112	16	terms	term	NOUN
asir-2213	112	17	of	of	ADP
asir-2213	112	18	higher	high	ADJ
asir-2213	112	19	margins	margin	NOUN
asir-2213	112	20	by	by	ADP
asir-2213	112	21	way	way	NOUN
asir-2213	112	22	of	of	ADP
asir-2213	112	23	passing	pass	VERB
asir-2213	112	24	on	on	ADP
asir-2213	112	25	the	the	DET
asir-2213	112	26	cost	cost	NOUN
asir-2213	112	27	of	of	ADP
asir-2213	112	28	non	non	ADJ
asir-2213	112	29	-	-	ADJ
asir-2213	112	30	performing	performing	ADJ
asir-2213	112	31	loans	loan	NOUN
asir-2213	112	32	to	to	ADP
asir-2213	112	33	their	their	PRON
asir-2213	112	34	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	112	35	applied	apply	VERB
asir-2213	112	36	science	science	NOUN
asir-2213	112	37	and	and	CCONJ
asir-2213	112	38	innovative	innovative	ADJ
asir-2213	112	39	research	research	NOUN
asir-2213	112	40	vol	vol	NOUN
asir-2213	112	41	.	.	PUNCT
asir-2213	113	1	3	3	NUM
asir-2213	113	2	,	,	PUNCT
asir-2213	113	3	no	no	INTJ
asir-2213	113	4	.	.	NOUN
asir-2213	113	5	3	3	NUM
asir-2213	113	6	,	,	PUNCT
asir-2213	113	7	2019	2019	NUM
asir-2213	113	8	139	139	NUM
asir-2213	113	9	published	publish	VERB
asir-2213	113	10	by	by	ADP
asir-2213	113	11	scholink	scholink	PROPN
asir-2213	113	12	inc	inc	PROPN
asir-2213	113	13	.	.	PUNCT
asir-2213	113	14	customers	customer	NOUN
asir-2213	113	15	.	.	PUNCT
asir-2213	114	1	hence	hence	ADV
asir-2213	114	2	,	,	PUNCT
asir-2213	114	3	a	a	DET
asir-2213	114	4	positive	positive	ADJ
asir-2213	114	5	relationship	relationship	NOUN
asir-2213	114	6	is	be	AUX
asir-2213	114	7	expected	expect	VERB
asir-2213	114	8	between	between	ADP
asir-2213	114	9	credit	credit	NOUN
asir-2213	114	10	risk	risk	NOUN
asir-2213	114	11	and	and	CCONJ
asir-2213	114	12	net	net	ADJ
asir-2213	114	13	interest	interest	NOUN
asir-2213	114	14	margin	margin	NOUN
asir-2213	114	15	.	.	PUNCT
asir-2213	115	1	3.4	3.4	NUM
asir-2213	115	2	industry	industry	NOUN
asir-2213	115	3	-	-	PUNCT
asir-2213	115	4	specific	specific	ADJ
asir-2213	115	5	variable	variable	ADJ
asir-2213	115	6	3.4.1	3.4.1	NUM
asir-2213	115	7	market	market	NOUN
asir-2213	115	8	structure	structure	NOUN
asir-2213	115	9	(	(	PUNCT
asir-2213	115	10	herf	herf	NOUN
asir-2213	115	11	)	)	PUNCT
asir-2213	115	12	to	to	PART
asir-2213	115	13	capture	capture	VERB
asir-2213	115	14	the	the	DET
asir-2213	115	15	competitive	competitive	ADJ
asir-2213	115	16	structure	structure	NOUN
asir-2213	115	17	of	of	ADP
asir-2213	115	18	the	the	DET
asir-2213	115	19	ghanaian	ghanaian	ADJ
asir-2213	115	20	banking	banking	NOUN
asir-2213	115	21	market	market	NOUN
asir-2213	115	22	,	,	PUNCT
asir-2213	115	23	the	the	DET
asir-2213	115	24	herfindahl	herfindahl	NOUN
asir-2213	115	25	-	-	PUNCT
asir-2213	115	26	hirschman	hirschman	NOUN
asir-2213	115	27	index	index	NOUN
asir-2213	115	28	of	of	ADP
asir-2213	115	29	loan	loan	NOUN
asir-2213	115	30	concentration	concentration	NOUN
asir-2213	115	31	is	be	AUX
asir-2213	115	32	used	use	VERB
asir-2213	115	33	,	,	PUNCT
asir-2213	115	34	defined	define	VERB
asir-2213	115	35	as	as	ADP
asir-2213	115	36	the	the	DET
asir-2213	115	37	sum	sum	NOUN
asir-2213	115	38	of	of	ADP
asir-2213	115	39	squared	square	VERB
asir-2213	115	40	market	market	NOUN
asir-2213	115	41	shares	share	NOUN
asir-2213	115	42	of	of	ADP
asir-2213	115	43	loans	loan	NOUN
asir-2213	115	44	in	in	ADP
asir-2213	115	45	the	the	DET
asir-2213	115	46	banking	banking	NOUN
asir-2213	115	47	sector	sector	NOUN
asir-2213	115	48	.	.	PUNCT
asir-2213	116	1	the	the	DET
asir-2213	116	2	values	value	NOUN
asir-2213	116	3	of	of	ADP
asir-2213	116	4	the	the	DET
asir-2213	116	5	index	index	NOUN
asir-2213	116	6	range	range	NOUN
asir-2213	116	7	from	from	ADP
asir-2213	116	8	zero	zero	NUM
asir-2213	116	9	(	(	PUNCT
asir-2213	116	10	0	0	NUM
asir-2213	116	11	%	%	NOUN
asir-2213	116	12	)	)	PUNCT
asir-2213	116	13	representing	represent	VERB
asir-2213	116	14	a	a	DET
asir-2213	116	15	perfectively	perfectively	ADV
asir-2213	116	16	competitive	competitive	ADJ
asir-2213	116	17	market	market	NOUN
asir-2213	116	18	to	to	ADP
asir-2213	116	19	one	one	NUM
asir-2213	116	20	(	(	PUNCT
asir-2213	116	21	100	100	NUM
asir-2213	116	22	%	%	NOUN
asir-2213	116	23	)	)	PUNCT
asir-2213	116	24	representing	represent	VERB
asir-2213	116	25	monopoly	monopoly	NOUN
asir-2213	116	26	.	.	PUNCT
asir-2213	117	1	based	base	VERB
asir-2213	117	2	on	on	ADP
asir-2213	117	3	the	the	DET
asir-2213	117	4	structure	structure	NOUN
asir-2213	117	5	-	-	PUNCT
asir-2213	117	6	conduct	conduct	NOUN
asir-2213	117	7	-	-	PUNCT
asir-2213	117	8	performance	performance	NOUN
asir-2213	117	9	(	(	PUNCT
asir-2213	117	10	scp	scp	PROPN
asir-2213	117	11	)	)	PUNCT
asir-2213	117	12	hypothesis	hypothesis	NOUN
asir-2213	117	13	,	,	PUNCT
asir-2213	117	14	the	the	PRON
asir-2213	117	15	higher	high	ADJ
asir-2213	117	16	the	the	DET
asir-2213	117	17	market	market	NOUN
asir-2213	117	18	share	share	NOUN
asir-2213	117	19	that	that	PRON
asir-2213	117	20	is	be	AUX
asir-2213	117	21	controlled	control	VERB
asir-2213	117	22	by	by	ADP
asir-2213	117	23	a	a	DET
asir-2213	117	24	few	few	ADJ
asir-2213	117	25	large	large	ADJ
asir-2213	117	26	firms	firm	NOUN
asir-2213	117	27	,	,	PUNCT
asir-2213	117	28	the	the	PRON
asir-2213	117	29	greater	great	ADJ
asir-2213	117	30	the	the	DET
asir-2213	117	31	possibility	possibility	NOUN
asir-2213	117	32	of	of	ADP
asir-2213	117	33	collusion	collusion	NOUN
asir-2213	117	34	among	among	ADP
asir-2213	117	35	market	market	NOUN
asir-2213	117	36	participants	participant	NOUN
asir-2213	117	37	to	to	PART
asir-2213	117	38	raise	raise	VERB
asir-2213	117	39	prices	price	NOUN
asir-2213	117	40	above	above	ADP
asir-2213	117	41	costs	cost	NOUN
asir-2213	117	42	to	to	PART
asir-2213	117	43	earn	earn	VERB
asir-2213	117	44	extra	extra	ADJ
asir-2213	117	45	profits	profit	NOUN
asir-2213	117	46	.	.	PUNCT
asir-2213	118	1	in	in	ADP
asir-2213	118	2	other	other	ADJ
asir-2213	118	3	words	word	NOUN
asir-2213	118	4	,	,	PUNCT
asir-2213	118	5	high	high	ADJ
asir-2213	118	6	loan	loan	NOUN
asir-2213	118	7	concentration	concentration	NOUN
asir-2213	118	8	will	will	AUX
asir-2213	118	9	result	result	VERB
asir-2213	118	10	in	in	ADP
asir-2213	118	11	monopoly	monopoly	NOUN
asir-2213	118	12	power	power	NOUN
asir-2213	118	13	,	,	PUNCT
asir-2213	118	14	enabling	enable	VERB
asir-2213	118	15	banks	bank	NOUN
asir-2213	118	16	to	to	PART
asir-2213	118	17	set	set	VERB
asir-2213	118	18	a	a	DET
asir-2213	118	19	higher	high	ADJ
asir-2213	118	20	net	net	ADJ
asir-2213	118	21	interest	interest	NOUN
asir-2213	118	22	margin	margin	NOUN
asir-2213	118	23	.	.	PUNCT
asir-2213	119	1	hence	hence	ADV
asir-2213	119	2	,	,	PUNCT
asir-2213	119	3	a	a	DET
asir-2213	119	4	positive	positive	ADJ
asir-2213	119	5	relationship	relationship	NOUN
asir-2213	119	6	is	be	AUX
asir-2213	119	7	anticipated	anticipate	VERB
asir-2213	119	8	between	between	ADP
asir-2213	119	9	industry	industry	NOUN
asir-2213	119	10	concentration	concentration	NOUN
asir-2213	119	11	and	and	CCONJ
asir-2213	119	12	the	the	DET
asir-2213	119	13	net	net	ADJ
asir-2213	119	14	interest	interest	NOUN
asir-2213	119	15	margin	margin	NOUN
asir-2213	119	16	.	.	PUNCT
asir-2213	120	1	3.5	3.5	NUM
asir-2213	120	2	macroeconomic	macroeconomic	ADJ
asir-2213	120	3	variables	variable	NOUN
asir-2213	120	4	3.5.1	3.5.1	NUM
asir-2213	120	5	discount	discount	NOUN
asir-2213	120	6	rate	rate	NOUN
asir-2213	120	7	(	(	PUNCT
asir-2213	120	8	disc	disc	PROPN
asir-2213	120	9	)	)	PUNCT
asir-2213	120	10	this	this	DET
asir-2213	120	11	study	study	NOUN
asir-2213	120	12	uses	use	VERB
asir-2213	120	13	bank	bank	PROPN
asir-2213	120	14	of	of	ADP
asir-2213	120	15	ghana	ghana	PROPN
asir-2213	120	16	(	(	PUNCT
asir-2213	120	17	bog	bog	NOUN
asir-2213	120	18	)	)	PUNCT
asir-2213	120	19	discount	discount	NOUN
asir-2213	120	20	rate	rate	NOUN
asir-2213	120	21	to	to	PART
asir-2213	120	22	capture	capture	VERB
asir-2213	120	23	the	the	DET
asir-2213	120	24	effects	effect	NOUN
asir-2213	120	25	on	on	ADP
asir-2213	120	26	the	the	DET
asir-2213	120	27	banking	banking	NOUN
asir-2213	120	28	system	system	NOUN
asir-2213	120	29	of	of	ADP
asir-2213	120	30	monetary	monetary	ADJ
asir-2213	120	31	policy	policy	NOUN
asir-2213	120	32	.	.	PUNCT
asir-2213	121	1	this	this	DET
asir-2213	121	2	measure	measure	NOUN
asir-2213	121	3	is	be	AUX
asir-2213	121	4	included	include	VERB
asir-2213	121	5	to	to	PART
asir-2213	121	6	identify	identify	VERB
asir-2213	121	7	the	the	DET
asir-2213	121	8	effects	effect	NOUN
asir-2213	121	9	of	of	ADP
asir-2213	121	10	the	the	DET
asir-2213	121	11	additional	additional	ADJ
asir-2213	121	12	cost	cost	NOUN
asir-2213	121	13	of	of	ADP
asir-2213	121	14	borrowing	borrowing	NOUN
asir-2213	121	15	by	by	ADP
asir-2213	121	16	a	a	DET
asir-2213	121	17	bank	bank	NOUN
asir-2213	121	18	,	,	PUNCT
asir-2213	121	19	either	either	CCONJ
asir-2213	121	20	from	from	ADP
asir-2213	121	21	the	the	DET
asir-2213	121	22	central	central	ADJ
asir-2213	121	23	bank	bank	NOUN
asir-2213	121	24	(	(	PUNCT
asir-2213	121	25	bog	bog	NOUN
asir-2213	121	26	)	)	PUNCT
asir-2213	121	27	or	or	CCONJ
asir-2213	121	28	from	from	ADP
asir-2213	121	29	the	the	DET
asir-2213	121	30	inter	inter	ADJ
asir-2213	121	31	-	-	ADJ
asir-2213	121	32	bank	bank	ADJ
asir-2213	121	33	market	market	NOUN
asir-2213	121	34	.	.	PUNCT
asir-2213	122	1	an	an	DET
asir-2213	122	2	increase	increase	NOUN
asir-2213	122	3	in	in	ADP
asir-2213	122	4	the	the	DET
asir-2213	122	5	discount	discount	NOUN
asir-2213	122	6	rate	rate	NOUN
asir-2213	122	7	will	will	AUX
asir-2213	122	8	increase	increase	VERB
asir-2213	122	9	the	the	DET
asir-2213	122	10	cost	cost	NOUN
asir-2213	122	11	of	of	ADP
asir-2213	122	12	funds	fund	NOUN
asir-2213	122	13	to	to	ADP
asir-2213	122	14	banks	bank	NOUN
asir-2213	122	15	.	.	PUNCT
asir-2213	123	1	hence	hence	ADV
asir-2213	123	2	,	,	PUNCT
asir-2213	123	3	a	a	DET
asir-2213	123	4	positive	positive	ADJ
asir-2213	123	5	relationship	relationship	NOUN
asir-2213	123	6	is	be	AUX
asir-2213	123	7	expected	expect	VERB
asir-2213	123	8	between	between	ADP
asir-2213	123	9	this	this	DET
asir-2213	123	10	variable	variable	ADJ
asir-2213	123	11	and	and	CCONJ
asir-2213	123	12	net	net	ADJ
asir-2213	123	13	interest	interest	NOUN
asir-2213	123	14	margin	margin	NOUN
asir-2213	123	15	,	,	PUNCT
asir-2213	123	16	because	because	SCONJ
asir-2213	123	17	banks	bank	NOUN
asir-2213	123	18	will	will	AUX
asir-2213	123	19	tend	tend	VERB
asir-2213	123	20	to	to	PART
asir-2213	123	21	pass	pass	VERB
asir-2213	123	22	on	on	ADP
asir-2213	123	23	the	the	DET
asir-2213	123	24	cost	cost	NOUN
asir-2213	123	25	of	of	ADP
asir-2213	123	26	funds	fund	NOUN
asir-2213	123	27	to	to	ADP
asir-2213	123	28	their	their	PRON
asir-2213	123	29	customers	customer	NOUN
asir-2213	123	30	through	through	ADP
asir-2213	123	31	higher	high	ADJ
asir-2213	123	32	margins	margin	NOUN
asir-2213	123	33	.	.	PUNCT
asir-2213	124	1	3.5.2	3.5.2	NUM
asir-2213	124	2	inflation	inflation	NOUN
asir-2213	124	3	(	(	PUNCT
asir-2213	124	4	infl	infl	PROPN
asir-2213	124	5	)	)	PUNCT
asir-2213	124	6	this	this	DET
asir-2213	124	7	variable	variable	NOUN
asir-2213	124	8	is	be	AUX
asir-2213	124	9	calculated	calculate	VERB
asir-2213	124	10	as	as	ADP
asir-2213	124	11	the	the	DET
asir-2213	124	12	annual	annual	ADJ
asir-2213	124	13	percentage	percentage	NOUN
asir-2213	124	14	change	change	NOUN
asir-2213	124	15	in	in	ADP
asir-2213	124	16	the	the	DET
asir-2213	124	17	consumer	consumer	NOUN
asir-2213	124	18	price	price	NOUN
asir-2213	124	19	index	index	NOUN
asir-2213	124	20	(	(	PUNCT
asir-2213	124	21	cpi	cpi	PROPN
asir-2213	124	22	)	)	PUNCT
asir-2213	124	23	.	.	PUNCT
asir-2213	125	1	inflation	inflation	NOUN
asir-2213	125	2	reduces	reduce	VERB
asir-2213	125	3	the	the	DET
asir-2213	125	4	real	real	ADJ
asir-2213	125	5	value	value	NOUN
asir-2213	125	6	of	of	ADP
asir-2213	125	7	banks	bank	NOUN
asir-2213	125	8	’	'	PUNCT
asir-2213	125	9	capital	capital	NOUN
asir-2213	125	10	and	and	CCONJ
asir-2213	125	11	increases	increase	VERB
asir-2213	125	12	their	their	PRON
asir-2213	125	13	operating	operating	NOUN
asir-2213	125	14	costs	cost	NOUN
asir-2213	125	15	.	.	PUNCT
asir-2213	126	1	inflation	inflation	NOUN
asir-2213	126	2	volatility	volatility	NOUN
asir-2213	126	3	also	also	ADV
asir-2213	126	4	increases	increase	VERB
asir-2213	126	5	risk	risk	NOUN
asir-2213	126	6	.	.	PUNCT
asir-2213	127	1	banks	bank	NOUN
asir-2213	127	2	are	be	AUX
asir-2213	127	3	expected	expect	VERB
asir-2213	127	4	to	to	PART
asir-2213	127	5	transfer	transfer	VERB
asir-2213	127	6	these	these	DET
asir-2213	127	7	costs	cost	NOUN
asir-2213	127	8	and	and	CCONJ
asir-2213	127	9	risk	risk	NOUN
asir-2213	127	10	to	to	ADP
asir-2213	127	11	their	their	PRON
asir-2213	127	12	customers	customer	NOUN
asir-2213	127	13	in	in	ADP
asir-2213	127	14	the	the	DET
asir-2213	127	15	form	form	NOUN
asir-2213	127	16	of	of	ADP
asir-2213	127	17	higher	high	ADJ
asir-2213	127	18	margins	margin	NOUN
asir-2213	127	19	.	.	PUNCT
asir-2213	128	1	hence	hence	ADV
asir-2213	128	2	,	,	PUNCT
asir-2213	128	3	a	a	DET
asir-2213	128	4	positive	positive	ADJ
asir-2213	128	5	relationship	relationship	NOUN
asir-2213	128	6	is	be	AUX
asir-2213	128	7	anticipated	anticipate	VERB
asir-2213	128	8	.	.	PUNCT
asir-2213	129	1	3.6	3.6	NUM
asir-2213	129	2	regulatory	regulatory	ADJ
asir-2213	129	3	variables	variable	NOUN
asir-2213	129	4	3.6.1	3.6.1	NUM
asir-2213	129	5	opportunity	opportunity	NOUN
asir-2213	129	6	cost	cost	NOUN
asir-2213	129	7	of	of	ADP
asir-2213	129	8	bank	bank	NOUN
asir-2213	129	9	reserves	reserve	NOUN
asir-2213	129	10	(	(	PUNCT
asir-2213	129	11	res	re	NOUN
asir-2213	129	12	)	)	PUNCT
asir-2213	129	13	this	this	DET
asir-2213	129	14	variable	variable	NOUN
asir-2213	129	15	is	be	AUX
asir-2213	129	16	defined	define	VERB
asir-2213	129	17	as	as	ADP
asir-2213	129	18	the	the	DET
asir-2213	129	19	ratio	ratio	NOUN
asir-2213	129	20	of	of	ADP
asir-2213	129	21	cash	cash	NOUN
asir-2213	129	22	and	and	CCONJ
asir-2213	129	23	balances	balance	NOUN
asir-2213	129	24	with	with	ADP
asir-2213	129	25	the	the	DET
asir-2213	129	26	central	central	ADJ
asir-2213	129	27	bank	bank	NOUN
asir-2213	129	28	to	to	ADP
asir-2213	129	29	total	total	ADJ
asir-2213	129	30	assets	asset	NOUN
asir-2213	129	31	.	.	PUNCT
asir-2213	130	1	reserve	reserve	NOUN
asir-2213	130	2	requirements	requirement	NOUN
asir-2213	130	3	imposed	impose	VERB
asir-2213	130	4	by	by	ADP
asir-2213	130	5	the	the	DET
asir-2213	130	6	government	government	NOUN
asir-2213	130	7	on	on	ADP
asir-2213	130	8	banks	bank	NOUN
asir-2213	130	9	are	be	AUX
asir-2213	130	10	a	a	DET
asir-2213	130	11	form	form	NOUN
asir-2213	130	12	of	of	ADP
asir-2213	130	13	implicit	implicit	ADJ
asir-2213	130	14	financial	financial	ADJ
asir-2213	130	15	tax	tax	NOUN
asir-2213	130	16	,	,	PUNCT
asir-2213	130	17	and	and	CCONJ
asir-2213	130	18	act	act	VERB
asir-2213	130	19	as	as	ADP
asir-2213	130	20	a	a	DET
asir-2213	130	21	burden	burden	NOUN
asir-2213	130	22	on	on	ADP
asir-2213	130	23	the	the	DET
asir-2213	130	24	banking	banking	NOUN
asir-2213	130	25	sector	sector	NOUN
asir-2213	130	26	.	.	PUNCT
asir-2213	131	1	in	in	ADP
asir-2213	131	2	as	as	ADV
asir-2213	131	3	much	much	ADV
asir-2213	131	4	as	as	SCONJ
asir-2213	131	5	these	these	DET
asir-2213	131	6	reserves	reserve	NOUN
asir-2213	131	7	serve	serve	VERB
asir-2213	131	8	as	as	ADP
asir-2213	131	9	cushion	cushion	NOUN
asir-2213	131	10	against	against	ADP
asir-2213	131	11	liquidity	liquidity	NOUN
asir-2213	131	12	crises	crisis	NOUN
asir-2213	131	13	,	,	PUNCT
asir-2213	131	14	they	they	PRON
asir-2213	131	15	prevent	prevent	VERB
asir-2213	131	16	banks	bank	NOUN
asir-2213	131	17	from	from	ADP
asir-2213	131	18	participating	participate	VERB
asir-2213	131	19	fully	fully	ADV
asir-2213	131	20	in	in	ADP
asir-2213	131	21	the	the	DET
asir-2213	131	22	credit	credit	NOUN
asir-2213	131	23	market	market	NOUN
asir-2213	131	24	,	,	PUNCT
asir-2213	131	25	thus	thus	ADV
asir-2213	131	26	impacting	impact	VERB
asir-2213	131	27	negatively	negatively	ADV
asir-2213	131	28	on	on	ADP
asir-2213	131	29	their	their	PRON
asir-2213	131	30	profits	profit	NOUN
asir-2213	131	31	.	.	PUNCT
asir-2213	132	1	in	in	ADP
asir-2213	132	2	other	other	ADJ
asir-2213	132	3	words	word	NOUN
asir-2213	132	4	,	,	PUNCT
asir-2213	132	5	the	the	DET
asir-2213	132	6	opportunity	opportunity	NOUN
asir-2213	132	7	cost	cost	NOUN
asir-2213	132	8	of	of	ADP
asir-2213	132	9	maintaining	maintain	VERB
asir-2213	132	10	these	these	DET
asir-2213	132	11	reserves	reserve	NOUN
asir-2213	132	12	,	,	PUNCT
asir-2213	132	13	which	which	PRON
asir-2213	132	14	earn	earn	VERB
asir-2213	132	15	either	either	CCONJ
asir-2213	132	16	no	no	DET
asir-2213	132	17	interest	interest	NOUN
asir-2213	132	18	or	or	CCONJ
asir-2213	132	19	a	a	DET
asir-2213	132	20	low	low	ADJ
asir-2213	132	21	interest	interest	NOUN
asir-2213	132	22	rate	rate	NOUN
asir-2213	132	23	at	at	ADP
asir-2213	132	24	the	the	DET
asir-2213	132	25	central	central	ADJ
asir-2213	132	26	bank	bank	NOUN
asir-2213	132	27	,	,	PUNCT
asir-2213	132	28	is	be	AUX
asir-2213	132	29	the	the	DET
asir-2213	132	30	additional	additional	ADJ
asir-2213	132	31	interest	interest	NOUN
asir-2213	132	32	foregone	foregone	NOUN
asir-2213	132	33	that	that	PRON
asir-2213	132	34	is	be	AUX
asir-2213	132	35	obtainable	obtainable	ADJ
asir-2213	132	36	in	in	ADP
asir-2213	132	37	the	the	DET
asir-2213	132	38	open	open	ADJ
asir-2213	132	39	financial	financial	ADJ
asir-2213	132	40	market	market	NOUN
asir-2213	132	41	.	.	PUNCT
asir-2213	133	1	therefore	therefore	ADV
asir-2213	133	2	,	,	PUNCT
asir-2213	133	3	the	the	PRON
asir-2213	133	4	greater	great	ADJ
asir-2213	133	5	the	the	DET
asir-2213	133	6	opportunity	opportunity	NOUN
asir-2213	133	7	cost	cost	NOUN
asir-2213	133	8	of	of	ADP
asir-2213	133	9	holding	hold	VERB
asir-2213	133	10	these	these	DET
asir-2213	133	11	reserves	reserve	NOUN
asir-2213	133	12	,	,	PUNCT
asir-2213	133	13	the	the	PRON
asir-2213	133	14	larger	large	ADJ
asir-2213	133	15	the	the	DET
asir-2213	133	16	compensation	compensation	NOUN
asir-2213	133	17	banks	bank	NOUN
asir-2213	133	18	will	will	AUX
asir-2213	133	19	require	require	VERB
asir-2213	133	20	through	through	ADP
asir-2213	133	21	higher	high	ADJ
asir-2213	133	22	margins	margin	NOUN
asir-2213	133	23	.	.	PUNCT
asir-2213	134	1	hence	hence	ADV
asir-2213	134	2	,	,	PUNCT
asir-2213	134	3	a	a	DET
asir-2213	134	4	positive	positive	ADJ
asir-2213	134	5	relationship	relationship	NOUN
asir-2213	134	6	is	be	AUX
asir-2213	134	7	expected	expect	VERB
asir-2213	134	8	.	.	PUNCT
asir-2213	135	1	3.6.2	3.6.2	NUM
asir-2213	135	2	financial	financial	ADJ
asir-2213	135	3	freedom	freedom	NOUN
asir-2213	135	4	(	(	PUNCT
asir-2213	135	5	refm	refm	NOUN
asir-2213	135	6	)	)	PUNCT
asir-2213	135	7	finally	finally	ADV
asir-2213	135	8	,	,	PUNCT
asir-2213	135	9	this	this	DET
asir-2213	135	10	variable	variable	NOUN
asir-2213	135	11	is	be	AUX
asir-2213	135	12	included	include	VERB
asir-2213	135	13	to	to	PART
asir-2213	135	14	capture	capture	VERB
asir-2213	135	15	the	the	DET
asir-2213	135	16	effects	effect	NOUN
asir-2213	135	17	of	of	ADP
asir-2213	135	18	financial	financial	ADJ
asir-2213	135	19	sector	sector	NOUN
asir-2213	135	20	reforms	reform	NOUN
asir-2213	135	21	.	.	PUNCT
asir-2213	136	1	this	this	DET
asir-2213	136	2	variable	variable	NOUN
asir-2213	136	3	enables	enable	VERB
asir-2213	136	4	one	one	NUM
asir-2213	136	5	to	to	PART
asir-2213	136	6	examine	examine	VERB
asir-2213	136	7	how	how	SCONJ
asir-2213	136	8	the	the	DET
asir-2213	136	9	changes	change	NOUN
asir-2213	136	10	in	in	ADP
asir-2213	136	11	financial	financial	ADJ
asir-2213	136	12	regulation	regulation	NOUN
asir-2213	136	13	have	have	AUX
asir-2213	136	14	affected	affect	VERB
asir-2213	136	15	the	the	DET
asir-2213	136	16	behaviour	behaviour	NOUN
asir-2213	136	17	of	of	ADP
asir-2213	136	18	the	the	DET
asir-2213	136	19	bank	bank	NOUN
asir-2213	136	20	interest	interest	NOUN
asir-2213	136	21	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	136	22	applied	apply	VERB
asir-2213	136	23	science	science	NOUN
asir-2213	136	24	and	and	CCONJ
asir-2213	136	25	innovative	innovative	ADJ
asir-2213	136	26	research	research	NOUN
asir-2213	136	27	vol	vol	NOUN
asir-2213	136	28	.	.	PUNCT
asir-2213	137	1	3	3	NUM
asir-2213	137	2	,	,	PUNCT
asir-2213	137	3	no	no	INTJ
asir-2213	137	4	.	.	NOUN
asir-2213	137	5	3	3	NUM
asir-2213	137	6	,	,	PUNCT
asir-2213	137	7	2019	2019	NUM
asir-2213	137	8	140	140	NUM
asir-2213	137	9	published	publish	VERB
asir-2213	137	10	by	by	ADP
asir-2213	137	11	scholink	scholink	PROPN
asir-2213	137	12	inc	inc	PROPN
asir-2213	137	13	.	.	PROPN
asir-2213	137	14	margin	margin	NOUN
asir-2213	137	15	in	in	ADP
asir-2213	137	16	ghana	ghana	PROPN
asir-2213	137	17	.	.	PUNCT
asir-2213	138	1	the	the	DET
asir-2213	138	2	financial	financial	ADJ
asir-2213	138	3	freedom	freedom	NOUN
asir-2213	138	4	variable	variable	NOUN
asir-2213	138	5	provides	provide	VERB
asir-2213	138	6	a	a	DET
asir-2213	138	7	ranking	ranking	NOUN
asir-2213	138	8	of	of	ADP
asir-2213	138	9	progress	progress	NOUN
asir-2213	138	10	made	make	VERB
asir-2213	138	11	in	in	ADP
asir-2213	138	12	the	the	DET
asir-2213	138	13	financial	financial	ADJ
asir-2213	138	14	sector	sector	NOUN
asir-2213	138	15	after	after	ADP
asir-2213	138	16	the	the	DET
asir-2213	138	17	liberalisation	liberalisation	NOUN
asir-2213	138	18	period	period	NOUN
asir-2213	138	19	.	.	PUNCT
asir-2213	139	1	the	the	DET
asir-2213	139	2	index	index	NOUN
asir-2213	139	3	is	be	AUX
asir-2213	139	4	a	a	DET
asir-2213	139	5	measure	measure	NOUN
asir-2213	139	6	of	of	ADP
asir-2213	139	7	banking	banking	NOUN
asir-2213	139	8	security	security	NOUN
asir-2213	139	9	and	and	CCONJ
asir-2213	139	10	independence	independence	NOUN
asir-2213	139	11	from	from	ADP
asir-2213	139	12	government	government	NOUN
asir-2213	139	13	control	control	NOUN
asir-2213	139	14	,	,	PUNCT
asir-2213	139	15	and	and	CCONJ
asir-2213	139	16	it	it	PRON
asir-2213	139	17	is	be	AUX
asir-2213	139	18	designed	design	VERB
asir-2213	139	19	to	to	PART
asir-2213	139	20	provide	provide	VERB
asir-2213	139	21	an	an	DET
asir-2213	139	22	overall	overall	ADJ
asir-2213	139	23	measure	measure	NOUN
asir-2213	139	24	of	of	ADP
asir-2213	139	25	the	the	DET
asir-2213	139	26	relative	relative	ADJ
asir-2213	139	27	openness	openness	NOUN
asir-2213	139	28	of	of	ADP
asir-2213	139	29	a	a	DET
asir-2213	139	30	country	country	NOUN
asir-2213	139	31	’s	’s	PART
asir-2213	139	32	banking	banking	NOUN
asir-2213	139	33	and	and	CCONJ
asir-2213	139	34	financial	financial	ADJ
asir-2213	139	35	system	system	NOUN
asir-2213	139	36	.	.	PUNCT
asir-2213	140	1	the	the	DET
asir-2213	140	2	index	index	NOUN
asir-2213	140	3	varies	vary	VERB
asir-2213	140	4	across	across	ADP
asir-2213	140	5	time	time	NOUN
asir-2213	140	6	and	and	CCONJ
asir-2213	140	7	provides	provide	VERB
asir-2213	140	8	a	a	DET
asir-2213	140	9	ranking	ranking	NOUN
asir-2213	140	10	that	that	PRON
asir-2213	140	11	ranges	range	VERB
asir-2213	140	12	from	from	ADP
asir-2213	140	13	1	1	NUM
asir-2213	140	14	to	to	ADP
asir-2213	140	15	5	5	NUM
asir-2213	140	16	,	,	PUNCT
asir-2213	140	17	where	where	SCONJ
asir-2213	140	18	larger	large	ADJ
asir-2213	140	19	values	value	NOUN
asir-2213	140	20	represent	represent	VERB
asir-2213	140	21	more	more	ADJ
asir-2213	140	22	freedom	freedom	NOUN
asir-2213	140	23	and	and	CCONJ
asir-2213	140	24	vice	vice	NOUN
asir-2213	140	25	versa	versa	ADV
asir-2213	140	26	.	.	PUNCT
asir-2213	141	1	the	the	DET
asir-2213	141	2	objective	objective	NOUN
asir-2213	141	3	of	of	ADP
asir-2213	141	4	this	this	DET
asir-2213	141	5	paper	paper	NOUN
asir-2213	141	6	is	be	AUX
asir-2213	141	7	to	to	PART
asir-2213	141	8	investigate	investigate	VERB
asir-2213	141	9	how	how	SCONJ
asir-2213	141	10	reform	reform	NOUN
asir-2213	141	11	of	of	ADP
asir-2213	141	12	the	the	DET
asir-2213	141	13	financial	financial	ADJ
asir-2213	141	14	sector	sector	NOUN
asir-2213	141	15	has	have	AUX
asir-2213	141	16	affected	affect	VERB
asir-2213	141	17	the	the	DET
asir-2213	141	18	behaviour	behaviour	NOUN
asir-2213	141	19	of	of	ADP
asir-2213	141	20	the	the	DET
asir-2213	141	21	bank	bank	NOUN
asir-2213	141	22	interest	interest	NOUN
asir-2213	141	23	margin	margin	NOUN
asir-2213	141	24	in	in	ADP
asir-2213	141	25	ghana	ghana	PROPN
asir-2213	141	26	.	.	PUNCT
asir-2213	142	1	the	the	DET
asir-2213	142	2	financial	financial	ADJ
asir-2213	142	3	freedom	freedom	NOUN
asir-2213	142	4	indicator	indicator	NOUN
asir-2213	142	5	is	be	AUX
asir-2213	142	6	firstly	firstly	ADV
asir-2213	142	7	introduced	introduce	VERB
asir-2213	142	8	directly	directly	ADV
asir-2213	142	9	in	in	ADP
asir-2213	142	10	the	the	DET
asir-2213	142	11	estimations	estimation	NOUN
asir-2213	142	12	;	;	PUNCT
asir-2213	142	13	and	and	CCONJ
asir-2213	142	14	second	second	ADV
asir-2213	142	15	,	,	PUNCT
asir-2213	142	16	allow	allow	VERB
asir-2213	142	17	this	this	DET
asir-2213	142	18	index	index	NOUN
asir-2213	142	19	to	to	PART
asir-2213	142	20	interact	interact	VERB
asir-2213	142	21	with	with	ADP
asir-2213	142	22	variables	variable	NOUN
asir-2213	142	23	that	that	PRON
asir-2213	142	24	reflect	reflect	VERB
asir-2213	142	25	bank	bank	NOUN
asir-2213	142	26	behaviour	behaviour	NOUN
asir-2213	142	27	(	(	PUNCT
asir-2213	142	28	risk	risk	NOUN
asir-2213	142	29	,	,	PUNCT
asir-2213	142	30	opc	opc	PROPN
asir-2213	142	31	,	,	PUNCT
asir-2213	142	32	mgt	mgt	NOUN
asir-2213	142	33	,	,	PUNCT
asir-2213	142	34	fee	fee	NOUN
asir-2213	142	35	and	and	CCONJ
asir-2213	142	36	cred	cre	VERB
asir-2213	142	37	)	)	PUNCT
asir-2213	142	38	.	.	PUNCT
asir-2213	143	1	this	this	DET
asir-2213	143	2	approach	approach	NOUN
asir-2213	143	3	should	should	AUX
asir-2213	143	4	reveal	reveal	VERB
asir-2213	143	5	how	how	SCONJ
asir-2213	143	6	the	the	DET
asir-2213	143	7	reforms	reform	NOUN
asir-2213	143	8	affect	affect	VERB
asir-2213	143	9	the	the	DET
asir-2213	143	10	sensitivity	sensitivity	NOUN
asir-2213	143	11	of	of	ADP
asir-2213	143	12	the	the	DET
asir-2213	143	13	net	net	ADJ
asir-2213	143	14	interest	interest	NOUN
asir-2213	143	15	margin	margin	NOUN
asir-2213	143	16	to	to	ADP
asir-2213	143	17	the	the	DET
asir-2213	143	18	bank	bank	NOUN
asir-2213	143	19	-	-	PUNCT
asir-2213	143	20	specific	specific	ADJ
asir-2213	143	21	variables	variable	NOUN
asir-2213	143	22	.	.	PUNCT
asir-2213	144	1	to	to	ADP
asir-2213	144	2	the	the	DET
asir-2213	144	3	best	good	ADJ
asir-2213	144	4	of	of	ADP
asir-2213	144	5	my	my	PRON
asir-2213	144	6	knowledge	knowledge	NOUN
asir-2213	144	7	,	,	PUNCT
asir-2213	144	8	no	no	DET
asir-2213	144	9	previous	previous	ADJ
asir-2213	144	10	empirical	empirical	ADJ
asir-2213	144	11	research	research	NOUN
asir-2213	144	12	has	have	AUX
asir-2213	144	13	used	use	VERB
asir-2213	144	14	this	this	DET
asir-2213	144	15	indicator	indicator	NOUN
asir-2213	144	16	in	in	ADP
asir-2213	144	17	a	a	DET
asir-2213	144	18	single	single	ADJ
asir-2213	144	19	country	country	NOUN
asir-2213	144	20	study	study	NOUN
asir-2213	144	21	,	,	PUNCT
asir-2213	144	22	in	in	ADP
asir-2213	144	23	order	order	NOUN
asir-2213	144	24	to	to	PART
asir-2213	144	25	investigate	investigate	VERB
asir-2213	144	26	the	the	DET
asir-2213	144	27	effects	effect	NOUN
asir-2213	144	28	of	of	ADP
asir-2213	144	29	financial	financial	ADJ
asir-2213	144	30	sector	sector	NOUN
asir-2213	144	31	reforms	reform	NOUN
asir-2213	144	32	.	.	PUNCT
asir-2213	145	1	as	as	ADV
asir-2213	145	2	far	far	ADV
asir-2213	145	3	as	as	SCONJ
asir-2213	145	4	i	i	PRON
asir-2213	145	5	know	know	VERB
asir-2213	145	6	,	,	PUNCT
asir-2213	145	7	this	this	PRON
asir-2213	145	8	is	be	AUX
asir-2213	145	9	also	also	ADV
asir-2213	145	10	the	the	DET
asir-2213	145	11	first	first	ADJ
asir-2213	145	12	empirical	empirical	ADJ
asir-2213	145	13	research	research	NOUN
asir-2213	145	14	paper	paper	NOUN
asir-2213	145	15	to	to	PART
asir-2213	145	16	critically	critically	ADV
asir-2213	145	17	examine	examine	VERB
asir-2213	145	18	with	with	ADP
asir-2213	145	19	this	this	DET
asir-2213	145	20	approach	approach	NOUN
asir-2213	145	21	the	the	DET
asir-2213	145	22	effect	effect	NOUN
asir-2213	145	23	of	of	ADP
asir-2213	145	24	financial	financial	ADJ
asir-2213	145	25	sector	sector	NOUN
asir-2213	145	26	reforms	reform	NOUN
asir-2213	145	27	on	on	ADP
asir-2213	145	28	net	net	ADJ
asir-2213	145	29	interest	interest	NOUN
asir-2213	145	30	margin	margin	NOUN
asir-2213	145	31	in	in	ADP
asir-2213	145	32	ghana	ghana	PROPN
asir-2213	145	33	.	.	PUNCT
asir-2213	146	1	according	accord	VERB
asir-2213	146	2	to	to	ADP
asir-2213	146	3	the	the	DET
asir-2213	146	4	above	above	ADJ
asir-2213	146	5	indicators	indicator	NOUN
asir-2213	146	6	,	,	PUNCT
asir-2213	146	7	the	the	DET
asir-2213	146	8	specification	specification	NOUN
asir-2213	146	9	of	of	ADP
asir-2213	146	10	the	the	DET
asir-2213	146	11	model	model	NOUN
asir-2213	146	12	without	without	ADP
asir-2213	146	13	interaction	interaction	NOUN
asir-2213	146	14	variables	variable	NOUN
asir-2213	146	15	is	be	AUX
asir-2213	146	16	as	as	SCONJ
asir-2213	146	17	follows	follow	VERB
asir-2213	146	18	:	:	PUNCT
asir-2213	146	19	nimit	nimit	NOUN
asir-2213	146	20	=	=	PUNCT
asir-2213	146	21	0	0	PUNCT
asir-2213	146	22	+	+	CCONJ
asir-2213	146	23	1riskit	1riskit	NOUN
asir-2213	146	24	+	+	CCONJ
asir-2213	146	25	2opcit	2opcit	NOUN
asir-2213	146	26	+	+	CCONJ
asir-2213	146	27	3mgtit	3mgtit	NOUN
asir-2213	146	28	+	+	CCONJ
asir-2213	146	29	4feeit	4feeit	NOUN
asir-2213	146	30	+	+	CCONJ
asir-2213	146	31	5credit	5credit	NOUN
asir-2213	146	32	+	+	CCONJ
asir-2213	146	33	6herft	6herft	ADJ
asir-2213	146	34	+	+	CCONJ
asir-2213	146	35	7disct	7disct	ADJ
asir-2213	146	36	+	+	CCONJ
asir-2213	146	37	8inflt	8inflt	NOUN
asir-2213	146	38	+	+	CCONJ
asir-2213	146	39	9resit	9resit	NOUN
asir-2213	146	40	+	+	CCONJ
asir-2213	146	41	10refmt	10refmt	NUM
asir-2213	147	1	+	+	CCONJ
asir-2213	147	2	εit	εit	NOUN
asir-2213	147	3	(	(	PUNCT
asir-2213	147	4	4	4	NUM
asir-2213	147	5	)	)	PUNCT
asir-2213	147	6	the	the	DET
asir-2213	147	7	specification	specification	NOUN
asir-2213	147	8	of	of	ADP
asir-2213	147	9	the	the	DET
asir-2213	147	10	model	model	NOUN
asir-2213	147	11	with	with	ADP
asir-2213	147	12	interaction	interaction	NOUN
asir-2213	147	13	variables	variable	NOUN
asir-2213	147	14	is	be	AUX
asir-2213	147	15	as	as	SCONJ
asir-2213	147	16	follows	follow	VERB
asir-2213	147	17	:	:	PUNCT
asir-2213	147	18	nimit	nimit	NOUN
asir-2213	147	19	=	=	PUNCT
asir-2213	147	20	0	0	PUNCT
asir-2213	147	21	+	+	CCONJ
asir-2213	147	22	1riskit	1riskit	NOUN
asir-2213	147	23	+	+	CCONJ
asir-2213	147	24	2opcit	2opcit	NOUN
asir-2213	147	25	+	+	CCONJ
asir-2213	147	26	3mgtit	3mgtit	NOUN
asir-2213	147	27	+	+	CCONJ
asir-2213	147	28	4feeit	4feeit	NOUN
asir-2213	147	29	+	+	CCONJ
asir-2213	147	30	5credit	5credit	NOUN
asir-2213	147	31	+	+	CCONJ
asir-2213	147	32	6herft	6herft	ADJ
asir-2213	147	33	+	+	CCONJ
asir-2213	147	34	7disct	7disct	ADJ
asir-2213	147	35	+	+	CCONJ
asir-2213	147	36	8inflt	8inflt	NOUN
asir-2213	147	37	+	+	CCONJ
asir-2213	147	38	9refmt	9refmt	NOUN
asir-2213	147	39	+	+	CCONJ
asir-2213	147	40	refm	refm	NOUN
asir-2213	147	41	*	*	PUNCT
asir-2213	147	42	(	(	PUNCT
asir-2213	147	43	10riskit	10riskit	NUM
asir-2213	147	44	+	+	NUM
asir-2213	147	45	11opcit	11opcit	PROPN
asir-2213	147	46	+	+	CCONJ
asir-2213	147	47	12mgtit	12mgtit	PROPN
asir-2213	148	1	+	+	CCONJ
asir-2213	148	2	13feeit	13feeit	PROPN
asir-2213	148	3	+	+	CCONJ
asir-2213	148	4	14credit	14credit	NUM
asir-2213	148	5	)	)	PUNCT
asir-2213	149	1	+	+	CCONJ
asir-2213	149	2	εit	εit	VERB
asir-2213	149	3	(	(	PUNCT
asir-2213	149	4	5	5	NUM
asir-2213	149	5	)	)	PUNCT
asir-2213	149	6	equation	equation	NOUN
asir-2213	149	7	(	(	PUNCT
asir-2213	149	8	5	5	X
asir-2213	149	9	)	)	PUNCT
asir-2213	149	10	should	should	AUX
asir-2213	149	11	reveal	reveal	VERB
asir-2213	149	12	how	how	SCONJ
asir-2213	149	13	the	the	DET
asir-2213	149	14	reforms	reform	NOUN
asir-2213	149	15	affect	affect	VERB
asir-2213	149	16	the	the	DET
asir-2213	149	17	net	net	ADJ
asir-2213	149	18	interest	interest	NOUN
asir-2213	149	19	margin	margin	NOUN
asir-2213	149	20	with	with	ADP
asir-2213	149	21	respect	respect	NOUN
asir-2213	149	22	to	to	ADP
asir-2213	149	23	each	each	PRON
asir-2213	149	24	of	of	ADP
asir-2213	149	25	the	the	DET
asir-2213	149	26	bank	bank	NOUN
asir-2213	149	27	-	-	PUNCT
asir-2213	149	28	specific	specific	ADJ
asir-2213	149	29	indicators	indicator	NOUN
asir-2213	149	30	.	.	PUNCT
asir-2213	150	1	for	for	ADP
asir-2213	150	2	instance	instance	NOUN
asir-2213	150	3	,	,	PUNCT
asir-2213	150	4	the	the	DET
asir-2213	150	5	impact	impact	NOUN
asir-2213	150	6	on	on	ADP
asir-2213	150	7	nim	nim	PROPN
asir-2213	150	8	as	as	ADP
asir-2213	150	9	a	a	DET
asir-2213	150	10	result	result	NOUN
asir-2213	150	11	of	of	ADP
asir-2213	150	12	the	the	DET
asir-2213	150	13	increase	increase	NOUN
asir-2213	150	14	in	in	ADP
asir-2213	150	15	risk	risk	NOUN
asir-2213	150	16	depends	depend	VERB
asir-2213	150	17	on	on	ADP
asir-2213	150	18	the	the	DET
asir-2213	150	19	reform	reform	NOUN
asir-2213	150	20	variable	variable	NOUN
asir-2213	150	21	.	.	PUNCT
asir-2213	151	1	in	in	ADP
asir-2213	151	2	this	this	DET
asir-2213	151	3	case	case	NOUN
asir-2213	151	4	,	,	PUNCT
asir-2213	151	5	the	the	DET
asir-2213	151	6	interaction	interaction	NOUN
asir-2213	151	7	between	between	ADP
asir-2213	151	8	the	the	DET
asir-2213	151	9	reform	reform	NOUN
asir-2213	151	10	and	and	CCONJ
asir-2213	151	11	risk	risk	NOUN
asir-2213	151	12	variables	variable	NOUN
asir-2213	151	13	,	,	PUNCT
asir-2213	151	14	refm*risk	refm*risk	NOUN
asir-2213	151	15	,	,	PUNCT
asir-2213	151	16	indicates	indicate	VERB
asir-2213	151	17	how	how	SCONJ
asir-2213	151	18	much	much	ADJ
asir-2213	151	19	the	the	DET
asir-2213	151	20	impact	impact	NOUN
asir-2213	151	21	of	of	ADP
asir-2213	151	22	the	the	DET
asir-2213	151	23	degree	degree	NOUN
asir-2213	151	24	of	of	ADP
asir-2213	151	25	risk	risk	NOUN
asir-2213	151	26	aversion	aversion	NOUN
asir-2213	151	27	is	be	AUX
asir-2213	151	28	affected	affect	VERB
asir-2213	151	29	by	by	ADP
asir-2213	151	30	the	the	DET
asir-2213	151	31	reforms	reform	NOUN
asir-2213	151	32	.	.	PUNCT
asir-2213	152	1	this	this	DET
asir-2213	152	2	study	study	NOUN
asir-2213	152	3	uses	use	VERB
asir-2213	152	4	panel	panel	NOUN
asir-2213	152	5	data	datum	NOUN
asir-2213	152	6	,	,	PUNCT
asir-2213	152	7	which	which	PRON
asir-2213	152	8	has	have	VERB
asir-2213	152	9	the	the	DET
asir-2213	152	10	advantage	advantage	NOUN
asir-2213	152	11	of	of	ADP
asir-2213	152	12	detecting	detect	VERB
asir-2213	152	13	and	and	CCONJ
asir-2213	152	14	measuring	measure	VERB
asir-2213	152	15	certain	certain	ADJ
asir-2213	152	16	effects	effect	NOUN
asir-2213	152	17	that	that	PRON
asir-2213	152	18	may	may	AUX
asir-2213	152	19	simply	simply	ADV
asir-2213	152	20	not	not	PART
asir-2213	152	21	be	be	AUX
asir-2213	152	22	observable	observable	ADJ
asir-2213	152	23	in	in	ADP
asir-2213	152	24	pure	pure	ADJ
asir-2213	152	25	cross	cross	NOUN
asir-2213	152	26	-	-	NOUN
asir-2213	152	27	section	section	NOUN
asir-2213	152	28	or	or	CCONJ
asir-2213	152	29	time	time	NOUN
asir-2213	152	30	-	-	PUNCT
asir-2213	152	31	series	series	NOUN
asir-2213	152	32	data	datum	NOUN
asir-2213	152	33	(	(	PUNCT
asir-2213	152	34	gujarati	gujarati	PROPN
asir-2213	152	35	,	,	PUNCT
asir-2213	152	36	2003	2003	NUM
asir-2213	152	37	)	)	PUNCT
asir-2213	152	38	.	.	PUNCT
asir-2213	153	1	the	the	DET
asir-2213	153	2	fixed	fix	VERB
asir-2213	153	3	effects	effect	NOUN
asir-2213	153	4	model	model	NOUN
asir-2213	153	5	(	(	PUNCT
asir-2213	153	6	within	within	ADP
asir-2213	153	7	estimator	estimator	NOUN
asir-2213	153	8	)	)	PUNCT
asir-2213	153	9	is	be	AUX
asir-2213	153	10	used	use	VERB
asir-2213	153	11	to	to	PART
asir-2213	153	12	control	control	VERB
asir-2213	153	13	for	for	ADP
asir-2213	153	14	the	the	DET
asir-2213	153	15	influence	influence	NOUN
asir-2213	153	16	of	of	ADP
asir-2213	153	17	unobserved	unobserved	ADJ
asir-2213	153	18	omitted	omit	VERB
asir-2213	153	19	variables	variable	NOUN
asir-2213	153	20	that	that	PRON
asir-2213	153	21	are	be	AUX
asir-2213	153	22	constant	constant	ADJ
asir-2213	153	23	over	over	ADP
asir-2213	153	24	time	time	NOUN
asir-2213	153	25	and	and	CCONJ
asir-2213	153	26	specific	specific	ADJ
asir-2213	153	27	to	to	ADP
asir-2213	153	28	each	each	DET
asir-2213	153	29	bank	bank	NOUN
asir-2213	153	30	.	.	PUNCT
asir-2213	154	1	the	the	DET
asir-2213	154	2	estimation	estimation	NOUN
asir-2213	154	3	begins	begin	VERB
asir-2213	154	4	by	by	ADP
asir-2213	154	5	regressing	regress	VERB
asir-2213	154	6	net	net	ADJ
asir-2213	154	7	interest	interest	NOUN
asir-2213	154	8	margin	margin	NOUN
asir-2213	154	9	(	(	PUNCT
asir-2213	154	10	nim	nim	NOUN
asir-2213	154	11	)	)	PUNCT
asir-2213	154	12	on	on	ADP
asir-2213	154	13	both	both	CCONJ
asir-2213	154	14	the	the	DET
asir-2213	154	15	bankand	bankand	NOUN
asir-2213	154	16	industry	industry	NOUN
asir-2213	154	17	-	-	PUNCT
asir-2213	154	18	specific	specific	ADJ
asir-2213	154	19	variables	variable	NOUN
asir-2213	154	20	.	.	PUNCT
asir-2213	155	1	in	in	ADP
asir-2213	155	2	addition	addition	NOUN
asir-2213	155	3	to	to	ADP
asir-2213	155	4	this	this	DET
asir-2213	155	5	initial	initial	ADJ
asir-2213	155	6	estimate	estimate	NOUN
asir-2213	155	7	,	,	PUNCT
asir-2213	155	8	the	the	DET
asir-2213	155	9	macroeconomic	macroeconomic	ADJ
asir-2213	155	10	control	control	NOUN
asir-2213	155	11	variables	variable	NOUN
asir-2213	155	12	are	be	AUX
asir-2213	155	13	first	first	ADV
asir-2213	155	14	included	include	VERB
asir-2213	155	15	before	before	ADP
asir-2213	155	16	allowing	allow	VERB
asir-2213	155	17	for	for	ADP
asir-2213	155	18	the	the	DET
asir-2213	155	19	control	control	NOUN
asir-2213	155	20	of	of	ADP
asir-2213	155	21	the	the	DET
asir-2213	155	22	regulatory	regulatory	ADJ
asir-2213	155	23	indicators	indicator	NOUN
asir-2213	155	24	.	.	PUNCT
asir-2213	156	1	the	the	DET
asir-2213	156	2	same	same	ADJ
asir-2213	156	3	method	method	NOUN
asir-2213	156	4	is	be	AUX
asir-2213	156	5	adopted	adopt	VERB
asir-2213	156	6	when	when	SCONJ
asir-2213	156	7	controlling	control	VERB
asir-2213	156	8	for	for	ADP
asir-2213	156	9	each	each	PRON
asir-2213	156	10	of	of	ADP
asir-2213	156	11	the	the	DET
asir-2213	156	12	regulatory	regulatory	ADJ
asir-2213	156	13	interactions	interaction	NOUN
asir-2213	156	14	.	.	PUNCT
asir-2213	157	1	although	although	SCONJ
asir-2213	157	2	correlation	correlation	NOUN
asir-2213	157	3	matrix	matrix	NOUN
asir-2213	157	4	is	be	AUX
asir-2213	157	5	not	not	PART
asir-2213	157	6	reported	report	VERB
asir-2213	157	7	in	in	ADP
asir-2213	157	8	this	this	DET
asir-2213	157	9	paper	paper	NOUN
asir-2213	157	10	(	(	PUNCT
asir-2213	157	11	note	note	NOUN
asir-2213	157	12	7	7	NUM
asir-2213	157	13	)	)	PUNCT
asir-2213	157	14	,	,	PUNCT
asir-2213	157	15	there	there	PRON
asir-2213	157	16	is	be	VERB
asir-2213	157	17	an	an	DET
asir-2213	157	18	evidence	evidence	NOUN
asir-2213	157	19	of	of	ADP
asir-2213	157	20	high	high	ADJ
asir-2213	157	21	correlation	correlation	NOUN
asir-2213	157	22	between	between	ADP
asir-2213	157	23	the	the	DET
asir-2213	157	24	reserve	reserve	NOUN
asir-2213	157	25	requirements	requirement	NOUN
asir-2213	157	26	variable	variable	NOUN
asir-2213	157	27	(	(	PUNCT
asir-2213	157	28	res	re	NOUN
asir-2213	157	29	)	)	PUNCT
asir-2213	157	30	with	with	ADP
asir-2213	157	31	the	the	DET
asir-2213	157	32	degree	degree	NOUN
asir-2213	157	33	of	of	ADP
asir-2213	157	34	risk	risk	NOUN
asir-2213	157	35	aversion	aversion	NOUN
asir-2213	157	36	(	(	PUNCT
asir-2213	157	37	risk	risk	NOUN
asir-2213	157	38	)	)	PUNCT
asir-2213	157	39	and	and	CCONJ
asir-2213	157	40	operating	operating	NOUN
asir-2213	157	41	costs	cost	NOUN
asir-2213	157	42	(	(	PUNCT
asir-2213	157	43	opc	opc	PROPN
asir-2213	157	44	)	)	PUNCT
asir-2213	157	45	.	.	PUNCT
asir-2213	158	1	to	to	PART
asir-2213	158	2	address	address	VERB
asir-2213	158	3	this	this	DET
asir-2213	158	4	problem	problem	NOUN
asir-2213	158	5	,	,	PUNCT
asir-2213	158	6	res	re	NOUN
asir-2213	158	7	with	with	ADP
asir-2213	158	8	risk	risk	NOUN
asir-2213	158	9	and	and	CCONJ
asir-2213	158	10	opc	opc	PROPN
asir-2213	158	11	are	be	AUX
asir-2213	158	12	not	not	PART
asir-2213	158	13	included	include	VERB
asir-2213	158	14	in	in	ADP
asir-2213	158	15	the	the	DET
asir-2213	158	16	same	same	ADJ
asir-2213	158	17	regression	regression	NOUN
asir-2213	158	18	.	.	PUNCT
asir-2213	159	1	the	the	DET
asir-2213	159	2	variable	variable	ADJ
asir-2213	159	3	res	re	NOUN
asir-2213	159	4	is	be	AUX
asir-2213	159	5	also	also	ADV
asir-2213	159	6	excluded	exclude	VERB
asir-2213	159	7	from	from	ADP
asir-2213	159	8	the	the	DET
asir-2213	159	9	interaction	interaction	NOUN
asir-2213	159	10	estimates	estimate	NOUN
asir-2213	159	11	.	.	PUNCT
asir-2213	160	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2213	160	2	applied	apply	VERB
asir-2213	160	3	science	science	NOUN
asir-2213	160	4	and	and	CCONJ
asir-2213	160	5	innovative	innovative	ADJ
asir-2213	160	6	research	research	NOUN
asir-2213	160	7	vol	vol	NOUN
asir-2213	160	8	.	.	PUNCT
asir-2213	161	1	3	3	NUM
asir-2213	161	2	,	,	PUNCT
asir-2213	161	3	no	no	INTJ
asir-2213	161	4	.	.	NOUN
asir-2213	161	5	3	3	NUM
asir-2213	161	6	,	,	PUNCT
asir-2213	161	7	2019	2019	NUM
asir-2213	161	8	141	141	NUM
asir-2213	161	9	published	publish	VERB
asir-2213	161	10	by	by	ADP
asir-2213	161	11	scholink	scholink	PROPN
asir-2213	161	12	inc	inc	PROPN
asir-2213	161	13	.	.	PROPN
asir-2213	161	14	3.7	3.7	NUM
asir-2213	161	15	data	datum	NOUN
asir-2213	161	16	this	this	DET
asir-2213	161	17	study	study	NOUN
asir-2213	161	18	uses	use	VERB
asir-2213	161	19	yearly	yearly	ADJ
asir-2213	161	20	data	datum	NOUN
asir-2213	161	21	for	for	ADP
asir-2213	161	22	the	the	DET
asir-2213	161	23	period	period	NOUN
asir-2213	161	24	1997	1997	NUM
asir-2213	161	25	-	-	SYM
asir-2213	161	26	2006	2006	NUM
asir-2213	161	27	.	.	PUNCT
asir-2213	162	1	the	the	DET
asir-2213	162	2	financial	financial	ADJ
asir-2213	162	3	sector	sector	NOUN
asir-2213	162	4	adjustment	adjustment	NOUN
asir-2213	162	5	programme	programme	NOUN
asir-2213	162	6	(	(	PUNCT
asir-2213	162	7	finsap	finsap	NOUN
asir-2213	162	8	)	)	PUNCT
asir-2213	162	9	in	in	ADP
asir-2213	162	10	ghana	ghana	PROPN
asir-2213	162	11	was	be	AUX
asir-2213	162	12	carried	carry	VERB
asir-2213	162	13	out	out	ADP
asir-2213	162	14	in	in	ADP
asir-2213	162	15	three	three	NUM
asir-2213	162	16	phases	phase	NOUN
asir-2213	162	17	,	,	PUNCT
asir-2213	162	18	namely	namely	ADV
asir-2213	162	19	finsap-1	finsap-1	NUM
asir-2213	162	20	which	which	PRON
asir-2213	162	21	covered	cover	VERB
asir-2213	162	22	the	the	DET
asir-2213	162	23	period	period	NOUN
asir-2213	162	24	1988	1988	NUM
asir-2213	162	25	-	-	SYM
asir-2213	162	26	1991	1991	NUM
asir-2213	162	27	;	;	PUNCT
asir-2213	162	28	finsap-2	finsap-2	PROPN
asir-2213	162	29	for	for	ADP
asir-2213	162	30	the	the	DET
asir-2213	162	31	period	period	NOUN
asir-2213	162	32	1992	1992	NUM
asir-2213	162	33	-	-	SYM
asir-2213	162	34	1995	1995	NUM
asir-2213	162	35	;	;	PUNCT
asir-2213	162	36	and	and	CCONJ
asir-2213	162	37	finsap-3	finsap-3	NUM
asir-2213	162	38	which	which	PRON
asir-2213	162	39	started	start	VERB
asir-2213	162	40	in	in	ADP
asir-2213	162	41	1995	1995	NUM
asir-2213	162	42	.	.	PUNCT
asir-2213	163	1	accordingly	accordingly	ADV
asir-2213	163	2	,	,	PUNCT
asir-2213	163	3	the	the	DET
asir-2213	163	4	study	study	NOUN
asir-2213	163	5	period	period	NOUN
asir-2213	163	6	is	be	AUX
asir-2213	163	7	post	post	ADJ
asir-2213	163	8	-	-	NOUN
asir-2213	163	9	liberalisation	liberalisation	NOUN
asir-2213	163	10	,	,	PUNCT
asir-2213	163	11	following	follow	VERB
asir-2213	163	12	all	all	DET
asir-2213	163	13	three	three	NUM
asir-2213	163	14	phases	phase	NOUN
asir-2213	163	15	.	.	PUNCT
asir-2213	164	1	bank	bank	NOUN
asir-2213	164	2	-	-	PUNCT
asir-2213	164	3	level	level	NOUN
asir-2213	164	4	data	datum	NOUN
asir-2213	164	5	,	,	PUNCT
asir-2213	164	6	which	which	PRON
asir-2213	164	7	is	be	AUX
asir-2213	164	8	sourced	source	VERB
asir-2213	164	9	from	from	ADP
asir-2213	164	10	bank	bank	PROPN
asir-2213	164	11	of	of	ADP
asir-2213	164	12	ghana	ghana	PROPN
asir-2213	164	13	,	,	PUNCT
asir-2213	164	14	is	be	AUX
asir-2213	164	15	based	base	VERB
asir-2213	164	16	on	on	ADP
asir-2213	164	17	the	the	DET
asir-2213	164	18	balance	balance	NOUN
asir-2213	164	19	sheet	sheet	NOUN
asir-2213	164	20	and	and	CCONJ
asir-2213	164	21	income	income	NOUN
asir-2213	164	22	statements	statement	NOUN
asir-2213	164	23	of	of	ADP
asir-2213	164	24	various	various	ADJ
asir-2213	164	25	ghanaian	ghanaian	ADJ
asir-2213	164	26	banks	bank	NOUN
asir-2213	164	27	.	.	PUNCT
asir-2213	165	1	all	all	DET
asir-2213	165	2	development	development	NOUN
asir-2213	165	3	banks	bank	NOUN
asir-2213	165	4	in	in	ADP
asir-2213	165	5	ghana	ghana	PROPN
asir-2213	165	6	undertake	undertake	VERB
asir-2213	165	7	some	some	DET
asir-2213	165	8	form	form	NOUN
asir-2213	165	9	of	of	ADP
asir-2213	165	10	commercial	commercial	ADJ
asir-2213	165	11	banking	banking	NOUN
asir-2213	165	12	activity	activity	NOUN
asir-2213	165	13	,	,	PUNCT
asir-2213	165	14	in	in	ADP
asir-2213	165	15	addition	addition	NOUN
asir-2213	165	16	to	to	ADP
asir-2213	165	17	their	their	PRON
asir-2213	165	18	usual	usual	ADJ
asir-2213	165	19	operations	operation	NOUN
asir-2213	165	20	.	.	PUNCT
asir-2213	166	1	institutions	institution	NOUN
asir-2213	166	2	that	that	PRON
asir-2213	166	3	were	be	AUX
asir-2213	166	4	operating	operate	VERB
asir-2213	166	5	as	as	SCONJ
asir-2213	166	6	merchant	merchant	NOUN
asir-2213	166	7	banks	bank	NOUN
asir-2213	166	8	have	have	AUX
asir-2213	166	9	also	also	ADV
asir-2213	166	10	had	have	VERB
asir-2213	166	11	their	their	PRON
asir-2213	166	12	license	license	NOUN
asir-2213	166	13	changed	change	VERB
asir-2213	166	14	to	to	PART
asir-2213	166	15	permit	permit	VERB
asir-2213	166	16	universal	universal	ADJ
asir-2213	166	17	banking	banking	NOUN
asir-2213	166	18	(	(	PUNCT
asir-2213	166	19	note	note	VERB
asir-2213	166	20	8)	8)	NUM
asir-2213	166	21	.	.	PUNCT
asir-2213	167	1	accordingly	accordingly	ADV
asir-2213	167	2	,	,	PUNCT
asir-2213	167	3	all	all	DET
asir-2213	167	4	ghanaian	ghanaian	ADJ
asir-2213	167	5	commercial	commercial	ADJ
asir-2213	167	6	banks	bank	NOUN
asir-2213	167	7	,	,	PUNCT
asir-2213	167	8	merchant	merchant	NOUN
asir-2213	167	9	banks	bank	NOUN
asir-2213	167	10	and	and	CCONJ
asir-2213	167	11	development	development	NOUN
asir-2213	167	12	banks	bank	NOUN
asir-2213	167	13	,	,	PUNCT
asir-2213	167	14	are	be	AUX
asir-2213	167	15	included	include	VERB
asir-2213	167	16	in	in	ADP
asir-2213	167	17	the	the	DET
asir-2213	167	18	sample	sample	NOUN
asir-2213	167	19	.	.	PUNCT
asir-2213	168	1	only	only	ADV
asir-2213	168	2	rural	rural	ADJ
asir-2213	168	3	banks	bank	NOUN
asir-2213	168	4	are	be	AUX
asir-2213	168	5	excluded	exclude	VERB
asir-2213	168	6	,	,	PUNCT
asir-2213	168	7	since	since	SCONJ
asir-2213	168	8	they	they	PRON
asir-2213	168	9	operate	operate	VERB
asir-2213	168	10	under	under	ADP
asir-2213	168	11	different	different	ADJ
asir-2213	168	12	regulation	regulation	NOUN
asir-2213	168	13	.	.	PUNCT
asir-2213	169	1	the	the	DET
asir-2213	169	2	bank	bank	NOUN
asir-2213	169	3	-	-	PUNCT
asir-2213	169	4	level	level	NOUN
asir-2213	169	5	data	datum	NOUN
asir-2213	169	6	is	be	AUX
asir-2213	169	7	unbalanced	unbalanced	ADJ
asir-2213	169	8	,	,	PUNCT
asir-2213	169	9	because	because	SCONJ
asir-2213	169	10	entry	entry	NOUN
asir-2213	169	11	has	have	AUX
asir-2213	169	12	taken	take	VERB
asir-2213	169	13	place	place	NOUN
asir-2213	169	14	while	while	SCONJ
asir-2213	169	15	some	some	DET
asir-2213	169	16	banks	bank	NOUN
asir-2213	169	17	were	be	AUX
asir-2213	169	18	liquidated	liquidate	VERB
asir-2213	169	19	since	since	SCONJ
asir-2213	169	20	the	the	DET
asir-2213	169	21	financial	financial	ADJ
asir-2213	169	22	sector	sector	NOUN
asir-2213	169	23	reforms	reform	NOUN
asir-2213	169	24	were	be	AUX
asir-2213	169	25	implemented	implement	VERB
asir-2213	169	26	.	.	PUNCT
asir-2213	170	1	the	the	DET
asir-2213	170	2	dataset	dataset	NOUN
asir-2213	170	3	includes	include	VERB
asir-2213	170	4	25	25	NUM
asir-2213	170	5	banks	bank	NOUN
asir-2213	170	6	from	from	ADP
asir-2213	170	7	1997	1997	NUM
asir-2213	170	8	to	to	ADP
asir-2213	170	9	2006	2006	NUM
asir-2213	170	10	,	,	PUNCT
asir-2213	170	11	yielding	yield	VERB
asir-2213	170	12	a	a	DET
asir-2213	170	13	sample	sample	NOUN
asir-2213	170	14	size	size	NOUN
asir-2213	170	15	of	of	ADP
asir-2213	170	16	174	174	NUM
asir-2213	170	17	bank	bank	NOUN
asir-2213	170	18	-	-	PUNCT
asir-2213	170	19	year	year	NOUN
asir-2213	170	20	observations	observation	NOUN
asir-2213	170	21	.	.	PUNCT
asir-2213	171	1	the	the	DET
asir-2213	171	2	number	number	NOUN
asir-2213	171	3	of	of	ADP
asir-2213	171	4	banks	bank	NOUN
asir-2213	171	5	per	per	ADP
asir-2213	171	6	year	year	NOUN
asir-2213	171	7	varies	vary	VERB
asir-2213	171	8	from	from	ADP
asir-2213	171	9	14	14	NUM
asir-2213	171	10	banks	bank	NOUN
asir-2213	171	11	in	in	ADP
asir-2213	171	12	1999	1999	NUM
asir-2213	171	13	to	to	ADP
asir-2213	171	14	23	23	NUM
asir-2213	171	15	banks	bank	NOUN
asir-2213	171	16	in	in	ADP
asir-2213	171	17	2006	2006	NUM
asir-2213	171	18	(	(	PUNCT
asir-2213	171	19	table	table	NOUN
asir-2213	171	20	1	1	NUM
asir-2213	171	21	reports	report	VERB
asir-2213	171	22	the	the	DET
asir-2213	171	23	summary	summary	NOUN
asir-2213	171	24	statistics	statistic	NOUN
asir-2213	171	25	of	of	ADP
asir-2213	171	26	the	the	DET
asir-2213	171	27	variables	variable	NOUN
asir-2213	171	28	employed	employ	VERB
asir-2213	171	29	in	in	ADP
asir-2213	171	30	the	the	DET
asir-2213	171	31	empirical	empirical	ADJ
asir-2213	171	32	analysis	analysis	NOUN
asir-2213	171	33	)	)	PUNCT
asir-2213	171	34	.	.	PUNCT
asir-2213	172	1	data	datum	NOUN
asir-2213	172	2	on	on	ADP
asir-2213	172	3	the	the	DET
asir-2213	172	4	macroeconomic	macroeconomic	ADJ
asir-2213	172	5	variables	variable	NOUN
asir-2213	172	6	are	be	AUX
asir-2213	172	7	obtained	obtain	VERB
asir-2213	172	8	from	from	ADP
asir-2213	172	9	the	the	DET
asir-2213	172	10	imf	imf	PROPN
asir-2213	172	11	international	international	ADJ
asir-2213	172	12	financial	financial	ADJ
asir-2213	172	13	statistics	statistic	NOUN
asir-2213	172	14	and	and	CCONJ
asir-2213	172	15	world	world	NOUN
asir-2213	172	16	economic	economic	ADJ
asir-2213	172	17	outlook	outlook	NOUN
asir-2213	172	18	databases	database	NOUN
asir-2213	172	19	.	.	PUNCT
asir-2213	173	1	the	the	DET
asir-2213	173	2	financial	financial	ADJ
asir-2213	173	3	freedom	freedom	NOUN
asir-2213	173	4	indicator	indicator	NOUN
asir-2213	173	5	is	be	AUX
asir-2213	173	6	obtained	obtain	VERB
asir-2213	173	7	from	from	ADP
asir-2213	173	8	the	the	DET
asir-2213	173	9	economic	economic	ADJ
asir-2213	173	10	freedom	freedom	NOUN
asir-2213	173	11	index	index	NOUN
asir-2213	173	12	of	of	ADP
asir-2213	173	13	the	the	DET
asir-2213	173	14	heritage	heritage	NOUN
asir-2213	173	15	foundation	foundation	PROPN
asir-2213	173	16	and	and	CCONJ
asir-2213	173	17	the	the	DET
asir-2213	173	18	wall	wall	PROPN
asir-2213	173	19	street	street	PROPN
asir-2213	173	20	journal	journal	PROPN
asir-2213	173	21	.	.	PUNCT
asir-2213	174	1	table	table	NOUN
asir-2213	174	2	1	1	NUM
asir-2213	174	3	.	.	PUNCT
asir-2213	175	1	summary	summary	NOUN
asir-2213	175	2	statistics	statistic	NOUN
asir-2213	175	3	of	of	ADP
asir-2213	175	4	model	model	NOUN
asir-2213	175	5	variables	variable	NOUN
asir-2213	175	6	for	for	ADP
asir-2213	175	7	the	the	DET
asir-2213	175	8	period	period	NOUN
asir-2213	175	9	1997	1997	NUM
asir-2213	175	10	-	-	SYM
asir-2213	175	11	2006	2006	NUM
asir-2213	175	12	variables	variable	NOUN
asir-2213	175	13	obs	obs	PROPN
asir-2213	175	14	.	.	PUNCT
asir-2213	176	1	mean	mean	VERB
asir-2213	176	2	std	std	PROPN
asir-2213	176	3	.	.	PROPN
asir-2213	177	1	dev	dev	PROPN
asir-2213	177	2	.	.	PUNCT
asir-2213	177	3	min	min	PROPN
asir-2213	177	4	.	.	PROPN
asir-2213	177	5	max	max	PROPN
asir-2213	177	6	.	.	PUNCT
asir-2213	178	1	nim	nim	PROPN
asir-2213	178	2	174	174	NUM
asir-2213	179	1	0.0830	0.0830	NUM
asir-2213	179	2	0.0351	0.0351	NUM
asir-2213	179	3	0.0201	0.0201	NUM
asir-2213	179	4	0.3450	0.3450	NUM
asir-2213	179	5	risk	risk	NOUN
asir-2213	179	6	174	174	NUM
asir-2213	179	7	0.1734	0.1734	NUM
asir-2213	179	8	0.3532	0.3532	NUM
asir-2213	179	9	-3.3474	-3.3474	NOUN
asir-2213	179	10	0.9063	0.9063	NUM
asir-2213	179	11	opc	opc	NOUN
asir-2213	179	12	174	174	NUM
asir-2213	179	13	0.0896	0.0896	NUM
asir-2213	180	1	0.0600	0.0600	NUM
asir-2213	180	2	0.0373	0.0373	NUM
asir-2213	180	3	0.7324	0.7324	NUM
asir-2213	180	4	mgt	mgt	NOUN
asir-2213	180	5	174	174	NUM
asir-2213	180	6	0.4769	0.4769	NUM
asir-2213	180	7	0.3239	0.3239	NUM
asir-2213	180	8	0.1550	0.1550	NUM
asir-2213	180	9	2.4239	2.4239	NUM
asir-2213	180	10	fee	fee	NOUN
asir-2213	180	11	174	174	NUM
asir-2213	180	12	0.0541	0.0541	NUM
asir-2213	180	13	0.0282	0.0282	NUM
asir-2213	180	14	0.0020	0.0020	NUM
asir-2213	180	15	0.2486	0.2486	NUM
asir-2213	180	16	cred	cre	VERB
asir-2213	180	17	174	174	NUM
asir-2213	180	18	0.1349	0.1349	NUM
asir-2213	180	19	0.1502	0.1502	NUM
asir-2213	180	20	0.0093	0.0093	NUM
asir-2213	180	21	0.8749	0.8749	NUM
asir-2213	180	22	herf	herf	NOUN
asir-2213	180	23	174	174	NUM
asir-2213	180	24	0.1287	0.1287	NUM
asir-2213	180	25	0.0266	0.0266	NUM
asir-2213	180	26	0.0951	0.0951	NUM
asir-2213	180	27	0.1826	0.1826	NUM
asir-2213	180	28	disc	disc	NOUN
asir-2213	180	29	174	174	NUM
asir-2213	180	30	24.7098	24.7098	NUM
asir-2213	180	31	9.3645	9.3645	NUM
asir-2213	180	32	12.5000	12.5000	NUM
asir-2213	180	33	45.0000	45.0000	NUM
asir-2213	180	34	infl	infl	PROPN
asir-2213	180	35	174	174	NUM
asir-2213	180	36	19.0856	19.0856	NUM
asir-2213	180	37	7.2987	7.2987	NUM
asir-2213	180	38	10.1512	10.1512	NUM
asir-2213	180	39	32.9060	32.9060	NUM
asir-2213	180	40	res	re	NOUN
asir-2213	180	41	174	174	NUM
asir-2213	180	42	0.0569	0.0569	NUM
asir-2213	180	43	0.2718	0.2718	NUM
asir-2213	180	44	-3.4340	-3.4340	NOUN
asir-2213	181	1	0.4231	0.4231	NUM
asir-2213	181	2	refm	refm	NOUN
asir-2213	181	3	174	174	NUM
asir-2213	181	4	1.8908	1.8908	NUM
asir-2213	181	5	0.3128	0.3128	NUM
asir-2213	181	6	1.0000	1.0000	NUM
asir-2213	181	7	2.0000	2.0000	NUM
asir-2213	181	8	source	source	NOUN
asir-2213	181	9	:	:	PUNCT
asir-2213	181	10	bog	bog	NOUN
asir-2213	181	11	;	;	PUNCT
asir-2213	181	12	imf	imf	PROPN
asir-2213	181	13	,	,	PUNCT
asir-2213	181	14	ifs	ifs	PROPN
asir-2213	181	15	/	/	SYM
asir-2213	181	16	weo	weo	PROPN
asir-2213	181	17	;	;	PUNCT
asir-2213	181	18	and	and	CCONJ
asir-2213	181	19	the	the	DET
asir-2213	181	20	economic	economic	ADJ
asir-2213	181	21	freedom	freedom	NOUN
asir-2213	181	22	index	index	NOUN
asir-2213	181	23	database	database	NOUN
asir-2213	181	24	.	.	PUNCT
asir-2213	182	1	notes	note	NOUN
asir-2213	182	2	.	.	PUNCT
asir-2213	183	1	nim=	nim=	ADJ
asir-2213	183	2	net	net	ADJ
asir-2213	183	3	interest	interest	NOUN
asir-2213	183	4	margin	margin	NOUN
asir-2213	183	5	,	,	PUNCT
asir-2213	183	6	defined	define	VERB
asir-2213	183	7	as	as	ADP
asir-2213	183	8	the	the	DET
asir-2213	183	9	difference	difference	NOUN
asir-2213	183	10	between	between	ADP
asir-2213	183	11	interest	interest	NOUN
asir-2213	183	12	income	income	NOUN
asir-2213	183	13	and	and	CCONJ
asir-2213	183	14	interest	interest	NOUN
asir-2213	183	15	expense	expense	NOUN
asir-2213	183	16	to	to	ADP
asir-2213	183	17	total	total	ADJ
asir-2213	183	18	assets	asset	NOUN
asir-2213	183	19	;	;	PUNCT
asir-2213	183	20	risk=	risk=	NUM
asir-2213	183	21	shareholders	shareholder	NOUN
asir-2213	183	22	’	'	PUNCT
asir-2213	183	23	funds	fund	NOUN
asir-2213	183	24	to	to	ADP
asir-2213	183	25	total	total	ADJ
asir-2213	183	26	assets	asset	NOUN
asir-2213	183	27	;	;	PUNCT
asir-2213	183	28	opc=	opc=	NOUN
asir-2213	183	29	operating	operating	NOUN
asir-2213	183	30	costs	cost	NOUN
asir-2213	183	31	to	to	ADP
asir-2213	183	32	total	total	ADJ
asir-2213	183	33	assets	asset	NOUN
asir-2213	183	34	;	;	PUNCT
asir-2213	183	35	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	183	36	applied	apply	VERB
asir-2213	183	37	science	science	NOUN
asir-2213	183	38	and	and	CCONJ
asir-2213	183	39	innovative	innovative	ADJ
asir-2213	183	40	research	research	NOUN
asir-2213	183	41	vol	vol	NOUN
asir-2213	183	42	.	.	PUNCT
asir-2213	184	1	3	3	NUM
asir-2213	184	2	,	,	PUNCT
asir-2213	184	3	no	no	INTJ
asir-2213	184	4	.	.	NOUN
asir-2213	184	5	3	3	NUM
asir-2213	184	6	,	,	PUNCT
asir-2213	184	7	2019	2019	NUM
asir-2213	184	8	142	142	NUM
asir-2213	184	9	published	publish	VERB
asir-2213	184	10	by	by	ADP
asir-2213	184	11	scholink	scholink	PROPN
asir-2213	184	12	inc	inc	PROPN
asir-2213	184	13	.	.	PUNCT
asir-2213	185	1	mgt=	mgt=	PROPN
asir-2213	185	2	operating	operating	NOUN
asir-2213	185	3	cost	cost	NOUN
asir-2213	185	4	to	to	ADP
asir-2213	185	5	gross	gross	ADJ
asir-2213	185	6	income	income	NOUN
asir-2213	185	7	;	;	PUNCT
asir-2213	185	8	fee=	fee=	PROPN
asir-2213	185	9	non	non	ADJ
asir-2213	185	10	-	-	ADJ
asir-2213	185	11	interest	interest	ADJ
asir-2213	185	12	operating	operate	VERB
asir-2213	185	13	income	income	NOUN
asir-2213	185	14	to	to	ADP
asir-2213	185	15	total	total	ADJ
asir-2213	185	16	assets	asset	NOUN
asir-2213	185	17	;	;	PUNCT
asir-2213	185	18	cred=	cred=	NUM
asir-2213	185	19	provisions	provision	NOUN
asir-2213	185	20	for	for	ADP
asir-2213	185	21	bad	bad	ADJ
asir-2213	185	22	and	and	CCONJ
asir-2213	185	23	doubtful	doubtful	ADJ
asir-2213	185	24	debts	debt	NOUN
asir-2213	185	25	to	to	ADP
asir-2213	185	26	gross	gross	ADJ
asir-2213	185	27	loans	loan	NOUN
asir-2213	185	28	;	;	PUNCT
asir-2213	185	29	herf=	herf=	NUM
asir-2213	185	30	market	market	NOUN
asir-2213	185	31	structure	structure	NOUN
asir-2213	185	32	,	,	PUNCT
asir-2213	185	33	defined	define	VERB
asir-2213	185	34	by	by	ADP
asir-2213	185	35	the	the	DET
asir-2213	185	36	herfindahl	herfindahl	NOUN
asir-2213	185	37	-	-	PUNCT
asir-2213	185	38	hirschman	hirschman	NOUN
asir-2213	185	39	index	index	NOUN
asir-2213	185	40	of	of	ADP
asir-2213	185	41	loan	loan	NOUN
asir-2213	185	42	concentration	concentration	NOUN
asir-2213	185	43	,	,	PUNCT
asir-2213	185	44	as	as	ADP
asir-2213	185	45	the	the	DET
asir-2213	185	46	sum	sum	NOUN
asir-2213	185	47	of	of	ADP
asir-2213	185	48	squared	square	VERB
asir-2213	185	49	market	market	NOUN
asir-2213	185	50	shares	share	NOUN
asir-2213	185	51	of	of	ADP
asir-2213	185	52	loans	loan	NOUN
asir-2213	185	53	in	in	ADP
asir-2213	185	54	the	the	DET
asir-2213	185	55	banking	banking	NOUN
asir-2213	185	56	sector	sector	NOUN
asir-2213	185	57	;	;	PUNCT
asir-2213	185	58	disc=	disc=	NUM
asir-2213	185	59	discount	discount	NOUN
asir-2213	185	60	rate	rate	NOUN
asir-2213	185	61	;	;	PUNCT
asir-2213	185	62	infl=	infl=	NUM
asir-2213	185	63	inflation	inflation	NOUN
asir-2213	185	64	,	,	PUNCT
asir-2213	185	65	defined	define	VERB
asir-2213	185	66	as	as	ADP
asir-2213	185	67	the	the	DET
asir-2213	185	68	annual	annual	ADJ
asir-2213	185	69	percentage	percentage	NOUN
asir-2213	185	70	change	change	NOUN
asir-2213	185	71	in	in	ADP
asir-2213	185	72	the	the	DET
asir-2213	185	73	consumer	consumer	NOUN
asir-2213	185	74	price	price	NOUN
asir-2213	185	75	index	index	NOUN
asir-2213	185	76	;	;	PUNCT
asir-2213	185	77	res=	res=	PROPN
asir-2213	185	78	opportunity	opportunity	NOUN
asir-2213	185	79	cost	cost	NOUN
asir-2213	185	80	of	of	ADP
asir-2213	185	81	bank	bank	NOUN
asir-2213	185	82	reserves	reserve	NOUN
asir-2213	185	83	,	,	PUNCT
asir-2213	185	84	defined	define	VERB
asir-2213	185	85	as	as	ADP
asir-2213	185	86	the	the	DET
asir-2213	185	87	ratio	ratio	NOUN
asir-2213	185	88	of	of	ADP
asir-2213	185	89	cash	cash	NOUN
asir-2213	185	90	and	and	CCONJ
asir-2213	185	91	balances	balance	NOUN
asir-2213	185	92	with	with	ADP
asir-2213	185	93	central	central	ADJ
asir-2213	185	94	bank	bank	NOUN
asir-2213	185	95	to	to	ADP
asir-2213	185	96	total	total	ADJ
asir-2213	185	97	assets	asset	NOUN
asir-2213	185	98	;	;	PUNCT
asir-2213	185	99	refm=	refm=	NUM
asir-2213	185	100	financial	financial	ADJ
asir-2213	185	101	freedom	freedom	NOUN
asir-2213	185	102	.	.	PUNCT
asir-2213	186	1	4	4	X
asir-2213	186	2	.	.	X
asir-2213	186	3	regression	regression	NOUN
asir-2213	186	4	results	result	VERB
asir-2213	186	5	panel	panel	NOUN
asir-2213	186	6	data	data	NOUN
asir-2213	186	7	regressions	regression	NOUN
asir-2213	186	8	are	be	AUX
asir-2213	186	9	estimated	estimate	VERB
asir-2213	186	10	for	for	ADP
asir-2213	186	11	the	the	DET
asir-2213	186	12	interest	interest	NOUN
asir-2213	186	13	rate	rate	NOUN
asir-2213	186	14	margin	margin	NOUN
asir-2213	186	15	using	use	VERB
asir-2213	186	16	the	the	DET
asir-2213	186	17	fixed	fix	VERB
asir-2213	186	18	effects	effect	NOUN
asir-2213	186	19	model	model	NOUN
asir-2213	186	20	to	to	PART
asir-2213	186	21	control	control	VERB
asir-2213	186	22	for	for	ADP
asir-2213	186	23	the	the	DET
asir-2213	186	24	influence	influence	NOUN
asir-2213	186	25	of	of	ADP
asir-2213	186	26	variables	variable	NOUN
asir-2213	186	27	that	that	PRON
asir-2213	186	28	are	be	AUX
asir-2213	186	29	constant	constant	ADJ
asir-2213	186	30	over	over	ADP
asir-2213	186	31	time	time	NOUN
asir-2213	186	32	and	and	CCONJ
asir-2213	186	33	specific	specific	ADJ
asir-2213	186	34	to	to	ADP
asir-2213	186	35	each	each	DET
asir-2213	186	36	bank	bank	NOUN
asir-2213	186	37	.	.	PUNCT
asir-2213	187	1	the	the	DET
asir-2213	187	2	within	within	ADP
asir-2213	187	3	-	-	PUNCT
asir-2213	187	4	group	group	NOUN
asir-2213	187	5	estimator	estimator	NOUN
asir-2213	187	6	was	be	AUX
asir-2213	187	7	employed	employ	VERB
asir-2213	187	8	.	.	PUNCT
asir-2213	188	1	tables	table	NOUN
asir-2213	188	2	2	2	NUM
asir-2213	188	3	to	to	PART
asir-2213	188	4	4	4	NUM
asir-2213	188	5	present	present	VERB
asir-2213	188	6	the	the	DET
asir-2213	188	7	results	result	NOUN
asir-2213	188	8	of	of	ADP
asir-2213	188	9	regressions	regression	NOUN
asir-2213	188	10	for	for	ADP
asir-2213	188	11	the	the	DET
asir-2213	188	12	net	net	ADJ
asir-2213	188	13	interest	interest	NOUN
asir-2213	188	14	margin	margin	NOUN
asir-2213	188	15	on	on	ADP
asir-2213	188	16	bankand	bankand	NOUN
asir-2213	188	17	industry	industry	NOUN
asir-2213	188	18	-	-	PUNCT
asir-2213	188	19	specific	specific	ADJ
asir-2213	188	20	variables	variable	NOUN
asir-2213	188	21	,	,	PUNCT
asir-2213	188	22	macroeconomic	macroeconomic	ADJ
asir-2213	188	23	indicators	indicator	NOUN
asir-2213	188	24	and	and	CCONJ
asir-2213	188	25	the	the	DET
asir-2213	188	26	regulatory	regulatory	ADJ
asir-2213	188	27	environment	environment	NOUN
asir-2213	188	28	.	.	PUNCT
asir-2213	189	1	there	there	PRON
asir-2213	189	2	are	be	VERB
asir-2213	189	3	25	25	NUM
asir-2213	189	4	banks	bank	NOUN
asir-2213	189	5	and	and	CCONJ
asir-2213	189	6	174	174	NUM
asir-2213	189	7	observations	observation	NOUN
asir-2213	189	8	in	in	ADP
asir-2213	189	9	each	each	DET
asir-2213	189	10	regression	regression	NOUN
asir-2213	189	11	.	.	PUNCT
asir-2213	190	1	the	the	DET
asir-2213	190	2	within	within	ADP
asir-2213	190	3	-	-	PUNCT
asir-2213	190	4	bank	bank	NOUN
asir-2213	190	5	,	,	PUNCT
asir-2213	190	6	between	between	ADP
asir-2213	190	7	-	-	PUNCT
asir-2213	190	8	bank	bank	NOUN
asir-2213	190	9	and	and	CCONJ
asir-2213	190	10	overall	overall	ADJ
asir-2213	190	11	r2	r2	NOUN
asir-2213	190	12	measures	measure	NOUN
asir-2213	190	13	are	be	AUX
asir-2213	190	14	reported	report	VERB
asir-2213	190	15	for	for	ADP
asir-2213	190	16	each	each	DET
asir-2213	190	17	regression	regression	NOUN
asir-2213	190	18	.	.	PUNCT
asir-2213	191	1	4.1	4.1	NUM
asir-2213	191	2	bankand	bankand	NOUN
asir-2213	191	3	industry	industry	NOUN
asir-2213	191	4	-	-	PUNCT
asir-2213	191	5	specific	specific	ADJ
asir-2213	191	6	effects	effect	NOUN
asir-2213	191	7	the	the	DET
asir-2213	191	8	estimate	estimate	NOUN
asir-2213	191	9	of	of	ADP
asir-2213	191	10	equation	equation	NOUN
asir-2213	191	11	(	(	PUNCT
asir-2213	191	12	1	1	NUM
asir-2213	191	13	)	)	PUNCT
asir-2213	191	14	of	of	ADP
asir-2213	191	15	table	table	NOUN
asir-2213	191	16	2	2	NUM
asir-2213	191	17	shows	show	VERB
asir-2213	191	18	that	that	SCONJ
asir-2213	191	19	most	most	ADJ
asir-2213	191	20	of	of	ADP
asir-2213	191	21	the	the	DET
asir-2213	191	22	bankand	bankand	NOUN
asir-2213	191	23	industry	industry	NOUN
asir-2213	191	24	-	-	PUNCT
asir-2213	191	25	specific	specific	ADJ
asir-2213	191	26	indicators	indicator	NOUN
asir-2213	191	27	have	have	VERB
asir-2213	191	28	the	the	DET
asir-2213	191	29	expected	expect	VERB
asir-2213	191	30	signs	sign	NOUN
asir-2213	191	31	and	and	CCONJ
asir-2213	191	32	are	be	AUX
asir-2213	191	33	statistically	statistically	ADV
asir-2213	191	34	significant	significant	ADJ
asir-2213	191	35	.	.	PUNCT
asir-2213	192	1	the	the	DET
asir-2213	192	2	signs	sign	NOUN
asir-2213	192	3	of	of	ADP
asir-2213	192	4	the	the	DET
asir-2213	192	5	coefficients	coefficient	NOUN
asir-2213	192	6	on	on	ADP
asir-2213	192	7	bank	bank	NOUN
asir-2213	192	8	-	-	PUNCT
asir-2213	192	9	specific	specific	ADJ
asir-2213	192	10	variables	variable	NOUN
asir-2213	192	11	are	be	AUX
asir-2213	192	12	virtually	virtually	ADV
asir-2213	192	13	unaffected	unaffected	ADJ
asir-2213	192	14	when	when	SCONJ
asir-2213	192	15	the	the	DET
asir-2213	192	16	macroeconomic	macroeconomic	ADJ
asir-2213	192	17	and	and	CCONJ
asir-2213	192	18	regulatory	regulatory	ADJ
asir-2213	192	19	indicators	indicator	NOUN
asir-2213	192	20	enter	enter	VERB
asir-2213	192	21	the	the	DET
asir-2213	192	22	regression	regression	NOUN
asir-2213	192	23	equations	equation	NOUN
asir-2213	192	24	(	(	PUNCT
asir-2213	192	25	2	2	NUM
asir-2213	192	26	)	)	PUNCT
asir-2213	192	27	through	through	ADP
asir-2213	192	28	to	to	ADP
asir-2213	192	29	(	(	PUNCT
asir-2213	192	30	14	14	NUM
asir-2213	192	31	)	)	PUNCT
asir-2213	192	32	in	in	ADP
asir-2213	192	33	tables	table	NOUN
asir-2213	192	34	2	2	NUM
asir-2213	192	35	to	to	PART
asir-2213	192	36	4	4	NUM
asir-2213	192	37	.	.	PUNCT
asir-2213	192	38	table	table	NOUN
asir-2213	192	39	2	2	NUM
asir-2213	192	40	.	.	PUNCT
asir-2213	193	1	regression	regression	NOUN
asir-2213	193	2	results	result	NOUN
asir-2213	193	3	controlling	control	VERB
asir-2213	193	4	for	for	ADP
asir-2213	193	5	industry	industry	NOUN
asir-2213	193	6	-	-	PUNCT
asir-2213	193	7	specific	specific	ADJ
asir-2213	193	8	,	,	PUNCT
asir-2213	193	9	macroeconomic	macroeconomic	ADJ
asir-2213	193	10	and	and	CCONJ
asir-2213	193	11	regulatory	regulatory	ADJ
asir-2213	193	12	environment	environment	NOUN
asir-2213	193	13	variables	variable	NOUN
asir-2213	193	14	(	(	PUNCT
asir-2213	193	15	1	1	NUM
asir-2213	193	16	)	)	PUNCT
asir-2213	193	17	(	(	PUNCT
asir-2213	193	18	2	2	NUM
asir-2213	193	19	)	)	PUNCT
asir-2213	193	20	(	(	PUNCT
asir-2213	193	21	3	3	X
asir-2213	193	22	)	)	PUNCT
asir-2213	193	23	(	(	PUNCT
asir-2213	193	24	4	4	X
asir-2213	193	25	)	)	PUNCT
asir-2213	193	26	risk	risk	NOUN
asir-2213	193	27	0.016	0.016	NUM
asir-2213	193	28	*	*	NOUN
asir-2213	193	29	0.021	0.021	NUM
asir-2213	193	30	*	*	PUNCT
asir-2213	193	31	*	*	PUNCT
asir-2213	194	1	0.031	0.031	NUM
asir-2213	194	2	*	*	PUNCT
asir-2213	194	3	*	*	PUNCT
asir-2213	194	4	*	*	PUNCT
asir-2213	194	5	(	(	PUNCT
asir-2213	194	6	0.063	0.063	NUM
asir-2213	194	7	)	)	PUNCT
asir-2213	194	8	(	(	PUNCT
asir-2213	194	9	0.012	0.012	NUM
asir-2213	194	10	)	)	PUNCT
asir-2213	194	11	(	(	PUNCT
asir-2213	194	12	0.000	0.000	X
asir-2213	194	13	)	)	PUNCT
asir-2213	194	14	opc	opc	PROPN
asir-2213	194	15	0.536	0.536	NOUN
asir-2213	194	16	*	*	PUNCT
asir-2213	194	17	*	*	PUNCT
asir-2213	194	18	*	*	PUNCT
asir-2213	194	19	0.550	0.550	NUM
asir-2213	194	20	*	*	PUNCT
asir-2213	194	21	*	*	PUNCT
asir-2213	194	22	*	*	PUNCT
asir-2213	194	23	0.572	0.572	NUM
asir-2213	194	24	*	*	PUNCT
asir-2213	194	25	*	*	PUNCT
asir-2213	194	26	*	*	PUNCT
asir-2213	194	27	(	(	PUNCT
asir-2213	194	28	0.000	0.000	NUM
asir-2213	194	29	)	)	PUNCT
asir-2213	194	30	(	(	PUNCT
asir-2213	194	31	0.000	0.000	NUM
asir-2213	194	32	)	)	PUNCT
asir-2213	194	33	(	(	PUNCT
asir-2213	194	34	0.000	0.000	X
asir-2213	194	35	)	)	PUNCT
asir-2213	194	36	mgt	mgt	NOUN
asir-2213	194	37	-0.086	-0.086	NUM
asir-2213	194	38	*	*	PUNCT
asir-2213	194	39	*	*	PUNCT
asir-2213	194	40	*	*	PUNCT
asir-2213	194	41	-0.081	-0.081	PUNCT
asir-2213	194	42	*	*	PUNCT
asir-2213	194	43	*	*	PUNCT
asir-2213	194	44	*	*	PUNCT
asir-2213	194	45	-0.026	-0.026	PUNCT
asir-2213	194	46	*	*	PUNCT
asir-2213	194	47	*	*	PUNCT
asir-2213	194	48	*	*	PUNCT
asir-2213	194	49	-0.085	-0.085	PUNCT
asir-2213	194	50	*	*	PUNCT
asir-2213	194	51	*	*	PUNCT
asir-2213	194	52	*	*	PUNCT
asir-2213	194	53	(	(	PUNCT
asir-2213	194	54	0.000	0.000	NUM
asir-2213	194	55	)	)	PUNCT
asir-2213	194	56	(	(	PUNCT
asir-2213	194	57	0.000	0.000	NUM
asir-2213	194	58	)	)	PUNCT
asir-2213	194	59	(	(	PUNCT
asir-2213	194	60	0.001	0.001	NUM
asir-2213	194	61	)	)	PUNCT
asir-2213	194	62	(	(	PUNCT
asir-2213	194	63	0.000	0.000	NUM
asir-2213	194	64	)	)	PUNCT
asir-2213	194	65	fee	fee	NOUN
asir-2213	194	66	-0.317	-0.317	NOUN
asir-2213	194	67	*	*	PUNCT
asir-2213	194	68	*	*	PUNCT
asir-2213	194	69	*	*	PUNCT
asir-2213	194	70	-0.325	-0.325	PUNCT
asir-2213	194	71	*	*	PUNCT
asir-2213	194	72	*	*	PUNCT
asir-2213	194	73	*	*	PUNCT
asir-2213	194	74	-0.169	-0.169	PROPN
asir-2213	194	75	*	*	PUNCT
asir-2213	194	76	*	*	NOUN
asir-2213	194	77	-0.304	-0.304	PUNCT
asir-2213	194	78	*	*	PUNCT
asir-2213	194	79	*	*	PUNCT
asir-2213	194	80	*	*	PUNCT
asir-2213	194	81	(	(	PUNCT
asir-2213	194	82	0.000	0.000	NUM
asir-2213	194	83	)	)	PUNCT
asir-2213	194	84	(	(	PUNCT
asir-2213	194	85	0.000	0.000	NUM
asir-2213	194	86	)	)	PUNCT
asir-2213	194	87	(	(	PUNCT
asir-2213	194	88	0.041	0.041	NUM
asir-2213	194	89	)	)	PUNCT
asir-2213	194	90	(	(	PUNCT
asir-2213	194	91	0.000	0.000	NUM
asir-2213	194	92	)	)	PUNCT
asir-2213	194	93	cred	cre	VERB
asir-2213	194	94	-0.012	-0.012	INTJ
asir-2213	194	95	-0.004	-0.004	PUNCT
asir-2213	194	96	-0.024	-0.024	NUM
asir-2213	194	97	-0.002	-0.002	PUNCT
asir-2213	194	98	(	(	PUNCT
asir-2213	194	99	0.583	0.583	NUM
asir-2213	194	100	)	)	PUNCT
asir-2213	194	101	(	(	PUNCT
asir-2213	194	102	0.858	0.858	NUM
asir-2213	194	103	)	)	PUNCT
asir-2213	194	104	(	(	PUNCT
asir-2213	194	105	0.278	0.278	NUM
asir-2213	194	106	)	)	PUNCT
asir-2213	194	107	(	(	PUNCT
asir-2213	194	108	0.910	0.910	NUM
asir-2213	194	109	)	)	PUNCT
asir-2213	194	110	herf	herf	NOUN
asir-2213	194	111	0.143	0.143	NUM
asir-2213	194	112	*	*	PUNCT
asir-2213	194	113	*	*	NOUN
asir-2213	194	114	0.005	0.005	NUM
asir-2213	194	115	0.162	0.162	NUM
asir-2213	194	116	*	*	SYM
asir-2213	194	117	0.082	0.082	NUM
asir-2213	194	118	(	(	PUNCT
asir-2213	194	119	0.013	0.013	NUM
asir-2213	194	120	)	)	PUNCT
asir-2213	194	121	(	(	PUNCT
asir-2213	194	122	0.944	0.944	NUM
asir-2213	194	123	)	)	PUNCT
asir-2213	194	124	(	(	PUNCT
asir-2213	194	125	0.064	0.064	NUM
asir-2213	194	126	)	)	PUNCT
asir-2213	194	127	(	(	PUNCT
asir-2213	194	128	0.287	0.287	NUM
asir-2213	194	129	)	)	PUNCT
asir-2213	194	130	disc	disc	VERB
asir-2213	194	131	0.000	0.000	NUM
asir-2213	194	132	*	*	PUNCT
asir-2213	194	133	*	*	NOUN
asir-2213	194	134	0.001	0.001	NUM
asir-2213	194	135	*	*	PUNCT
asir-2213	194	136	*	*	PUNCT
asir-2213	194	137	*	*	NOUN
asir-2213	194	138	0.001	0.001	NUM
asir-2213	194	139	*	*	PUNCT
asir-2213	194	140	*	*	PUNCT
asir-2213	194	141	*	*	PUNCT
asir-2213	194	142	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	194	143	applied	apply	VERB
asir-2213	194	144	science	science	NOUN
asir-2213	194	145	and	and	CCONJ
asir-2213	194	146	innovative	innovative	ADJ
asir-2213	194	147	research	research	NOUN
asir-2213	194	148	vol	vol	NOUN
asir-2213	194	149	.	.	PUNCT
asir-2213	195	1	3	3	NUM
asir-2213	195	2	,	,	PUNCT
asir-2213	195	3	no	no	INTJ
asir-2213	195	4	.	.	NOUN
asir-2213	195	5	3	3	NUM
asir-2213	195	6	,	,	PUNCT
asir-2213	195	7	2019	2019	NUM
asir-2213	195	8	143	143	NUM
asir-2213	195	9	published	publish	VERB
asir-2213	195	10	by	by	ADP
asir-2213	195	11	scholink	scholink	PROPN
asir-2213	195	12	inc	inc	PROPN
asir-2213	195	13	.	.	PROPN
asir-2213	195	14	(	(	PUNCT
asir-2213	195	15	0.048	0.048	NUM
asir-2213	195	16	)	)	PUNCT
asir-2213	195	17	(	(	PUNCT
asir-2213	195	18	0.001	0.001	NUM
asir-2213	195	19	)	)	PUNCT
asir-2213	196	1	(	(	PUNCT
asir-2213	196	2	0.004	0.004	NUM
asir-2213	196	3	)	)	PUNCT
asir-2213	196	4	infl	infl	NOUN
asir-2213	196	5	0.001	0.001	NUM
asir-2213	196	6	*	*	NOUN
asir-2213	196	7	0.000	0.000	NUM
asir-2213	196	8	0.000	0.000	NUM
asir-2213	196	9	(	(	PUNCT
asir-2213	196	10	0.083	0.083	NUM
asir-2213	196	11	)	)	PUNCT
asir-2213	196	12	(	(	PUNCT
asir-2213	196	13	0.699	0.699	NUM
asir-2213	196	14	)	)	PUNCT
asir-2213	196	15	(	(	PUNCT
asir-2213	196	16	0.142	0.142	NUM
asir-2213	196	17	)	)	PUNCT
asir-2213	196	18	res	re	NOUN
asir-2213	196	19	-0.058	-0.058	NOUN
asir-2213	196	20	*	*	PUNCT
asir-2213	196	21	*	*	PUNCT
asir-2213	196	22	*	*	PUNCT
asir-2213	196	23	(	(	PUNCT
asir-2213	196	24	0.000	0.000	NUM
asir-2213	196	25	)	)	PUNCT
asir-2213	196	26	refm	refm	NOUN
asir-2213	196	27	-0.011	-0.011	PRON
asir-2213	196	28	*	*	NOUN
asir-2213	196	29	*	*	PUNCT
asir-2213	196	30	-0.017	-0.017	PROPN
asir-2213	196	31	*	*	PUNCT
asir-2213	196	32	*	*	PUNCT
asir-2213	196	33	*	*	PUNCT
asir-2213	196	34	(	(	PUNCT
asir-2213	196	35	0.043	0.043	NUM
asir-2213	196	36	)	)	PUNCT
asir-2213	196	37	(	(	PUNCT
asir-2213	196	38	0.001	0.001	NUM
asir-2213	196	39	)	)	PUNCT
asir-2213	196	40	constant	constant	ADJ
asir-2213	196	41	0.073	0.073	NUM
asir-2213	196	42	*	*	PUNCT
asir-2213	196	43	*	*	PUNCT
asir-2213	196	44	*	*	PUNCT
asir-2213	196	45	0.067	0.067	NUM
asir-2213	196	46	*	*	PUNCT
asir-2213	196	47	*	*	PUNCT
asir-2213	196	48	*	*	PUNCT
asir-2213	196	49	0.095	0.095	NUM
asir-2213	196	50	*	*	PUNCT
asir-2213	196	51	*	*	PUNCT
asir-2213	196	52	*	*	PUNCT
asir-2213	196	53	0.083	0.083	NUM
asir-2213	196	54	*	*	PUNCT
asir-2213	196	55	*	*	PUNCT
asir-2213	196	56	*	*	PUNCT
asir-2213	196	57	(	(	PUNCT
asir-2213	196	58	0.000	0.000	NUM
asir-2213	196	59	)	)	PUNCT
asir-2213	196	60	(	(	PUNCT
asir-2213	196	61	0.000	0.000	NUM
asir-2213	196	62	)	)	PUNCT
asir-2213	196	63	(	(	PUNCT
asir-2213	196	64	0.000	0.000	NUM
asir-2213	196	65	)	)	PUNCT
asir-2213	196	66	(	(	PUNCT
asir-2213	196	67	0.000	0.000	X
asir-2213	196	68	)	)	PUNCT
asir-2213	196	69	fixed	fix	VERB
asir-2213	196	70	effects	effect	NOUN
asir-2213	197	1	yes	yes	INTJ
asir-2213	198	1	yes	yes	INTJ
asir-2213	199	1	yes	yes	INTJ
asir-2213	199	2	yes	yes	INTJ
asir-2213	199	3	r2	r2	NOUN
asir-2213	199	4	-	-	PUNCT
asir-2213	199	5	within	within	ADP
asir-2213	199	6	0.466	0.466	NUM
asir-2213	199	7	0.499	0.499	NUM
asir-2213	199	8	0.384	0.384	NUM
asir-2213	199	9	0.536	0.536	NUM
asir-2213	199	10	r2	r2	NOUN
asir-2213	199	11	-	-	PUNCT
asir-2213	199	12	between	between	ADP
asir-2213	199	13	0.712	0.712	NUM
asir-2213	199	14	0.739	0.739	NUM
asir-2213	199	15	0.762	0.762	NUM
asir-2213	199	16	0.698	0.698	NUM
asir-2213	199	17	r2	r2	NOUN
asir-2213	199	18	-	-	PUNCT
asir-2213	199	19	overall	overall	ADJ
asir-2213	199	20	0.531	0.531	NUM
asir-2213	199	21	0.557	0.557	NUM
asir-2213	199	22	0.427	0.427	NUM
asir-2213	199	23	0.561	0.561	NUM
asir-2213	199	24	no	no	NOUN
asir-2213	199	25	.	.	PUNCT
asir-2213	200	1	of	of	ADP
asir-2213	200	2	obs	obs	PROPN
asir-2213	200	3	.	.	PUNCT
asir-2213	201	1	174	174	NUM
asir-2213	201	2	174	174	NUM
asir-2213	201	3	174	174	NUM
asir-2213	201	4	174	174	NUM
asir-2213	201	5	no	no	NOUN
asir-2213	201	6	.	.	PUNCT
asir-2213	202	1	of	of	ADP
asir-2213	202	2	banks	bank	NOUN
asir-2213	202	3	25	25	NUM
asir-2213	202	4	25	25	NUM
asir-2213	202	5	25	25	NUM
asir-2213	202	6	25	25	NUM
asir-2213	202	7	notes	note	NOUN
asir-2213	202	8	.	.	PUNCT
asir-2213	203	1	dependent	dependent	ADJ
asir-2213	203	2	variable	variable	NOUN
asir-2213	203	3	is	be	AUX
asir-2213	203	4	net	net	ADJ
asir-2213	203	5	interest	interest	NOUN
asir-2213	203	6	margin	margin	NOUN
asir-2213	203	7	(	(	PUNCT
asir-2213	203	8	nim	nim	NOUN
asir-2213	203	9	)	)	PUNCT
asir-2213	203	10	,	,	PUNCT
asir-2213	203	11	defined	define	VERB
asir-2213	203	12	as	as	ADP
asir-2213	203	13	the	the	DET
asir-2213	203	14	difference	difference	NOUN
asir-2213	203	15	between	between	ADP
asir-2213	203	16	interest	interest	NOUN
asir-2213	203	17	income	income	NOUN
asir-2213	203	18	and	and	CCONJ
asir-2213	203	19	interest	interest	NOUN
asir-2213	203	20	expense	expense	NOUN
asir-2213	203	21	to	to	ADP
asir-2213	203	22	total	total	ADJ
asir-2213	203	23	assets	asset	NOUN
asir-2213	203	24	.	.	PUNCT
asir-2213	204	1	p	p	X
asir-2213	204	2	-	-	PUNCT
asir-2213	204	3	values	value	NOUN
asir-2213	204	4	are	be	AUX
asir-2213	204	5	given	give	VERB
asir-2213	204	6	in	in	ADP
asir-2213	204	7	parentheses	parenthesis	NOUN
asir-2213	204	8	.	.	PUNCT
asir-2213	205	1	the	the	DET
asir-2213	205	2	symbols	symbol	NOUN
asir-2213	205	3	*	*	PUNCT
asir-2213	205	4	,	,	PUNCT
asir-2213	205	5	*	*	PUNCT
asir-2213	205	6	*	*	PUNCT
asir-2213	205	7	and	and	CCONJ
asir-2213	205	8	*	*	PUNCT
asir-2213	205	9	*	*	PUNCT
asir-2213	205	10	*	*	PUNCT
asir-2213	205	11	indicate	indicate	VERB
asir-2213	205	12	significance	significance	NOUN
asir-2213	205	13	levels	level	NOUN
asir-2213	205	14	of	of	ADP
asir-2213	205	15	10	10	NUM
asir-2213	205	16	%	%	NOUN
asir-2213	205	17	,	,	PUNCT
asir-2213	205	18	5	5	NUM
asir-2213	205	19	%	%	NOUN
asir-2213	205	20	and	and	CCONJ
asir-2213	205	21	1	1	NUM
asir-2213	205	22	%	%	NOUN
asir-2213	205	23	,	,	PUNCT
asir-2213	205	24	respectively	respectively	ADV
asir-2213	205	25	.	.	PUNCT
asir-2213	205	26	table	table	NOUN
asir-2213	205	27	3	3	NUM
asir-2213	205	28	.	.	PUNCT
asir-2213	206	1	regression	regression	NOUN
asir-2213	206	2	results	result	NOUN
asir-2213	206	3	including	include	VERB
asir-2213	206	4	industry	industry	NOUN
asir-2213	206	5	-	-	PUNCT
asir-2213	206	6	specific	specific	ADJ
asir-2213	206	7	variables	variable	NOUN
asir-2213	206	8	and	and	CCONJ
asir-2213	206	9	regulatory	regulatory	ADJ
asir-2213	206	10	interactions	interaction	NOUN
asir-2213	206	11	variables	variable	NOUN
asir-2213	206	12	(	(	PUNCT
asir-2213	206	13	5	5	NUM
asir-2213	206	14	)	)	PUNCT
asir-2213	206	15	(	(	PUNCT
asir-2213	206	16	6	6	NUM
asir-2213	206	17	)	)	PUNCT
asir-2213	206	18	(	(	PUNCT
asir-2213	206	19	7	7	NUM
asir-2213	206	20	)	)	PUNCT
asir-2213	206	21	(	(	PUNCT
asir-2213	206	22	8)	8)	NUM
asir-2213	206	23	(	(	PUNCT
asir-2213	206	24	9	9	NUM
asir-2213	206	25	)	)	PUNCT
asir-2213	206	26	risk	risk	NOUN
asir-2213	206	27	0.193	0.193	NUM
asir-2213	206	28	*	*	SYM
asir-2213	206	29	*	*	X
asir-2213	206	30	0.026	0.026	NUM
asir-2213	206	31	*	*	PUNCT
asir-2213	206	32	*	*	PUNCT
asir-2213	206	33	*	*	PUNCT
asir-2213	207	1	0.029	0.029	NUM
asir-2213	207	2	*	*	PUNCT
asir-2213	207	3	*	*	PUNCT
asir-2213	207	4	*	*	PUNCT
asir-2213	207	5	0.022	0.022	NUM
asir-2213	207	6	*	*	PUNCT
asir-2213	207	7	*	*	PUNCT
asir-2213	207	8	0.019	0.019	NUM
asir-2213	207	9	*	*	PUNCT
asir-2213	207	10	*	*	PUNCT
asir-2213	207	11	(	(	PUNCT
asir-2213	207	12	0.021	0.021	NUM
asir-2213	207	13	)	)	PUNCT
asir-2213	207	14	(	(	PUNCT
asir-2213	207	15	0.003	0.003	NUM
asir-2213	207	16	)	)	PUNCT
asir-2213	207	17	(	(	PUNCT
asir-2213	207	18	0.001	0.001	NUM
asir-2213	207	19	)	)	PUNCT
asir-2213	207	20	(	(	PUNCT
asir-2213	207	21	0.011	0.011	NUM
asir-2213	207	22	)	)	PUNCT
asir-2213	207	23	(	(	PUNCT
asir-2213	207	24	0.026	0.026	NUM
asir-2213	207	25	)	)	PUNCT
asir-2213	207	26	opc	opc	NOUN
asir-2213	207	27	0.565	0.565	NUM
asir-2213	207	28	*	*	PUNCT
asir-2213	207	29	*	*	PUNCT
asir-2213	207	30	*	*	PUNCT
asir-2213	207	31	0.950	0.950	NUM
asir-2213	207	32	*	*	PUNCT
asir-2213	207	33	*	*	PUNCT
asir-2213	207	34	*	*	PUNCT
asir-2213	207	35	0.595	0.595	NUM
asir-2213	207	36	*	*	PUNCT
asir-2213	207	37	*	*	PUNCT
asir-2213	207	38	*	*	PUNCT
asir-2213	207	39	0.560	0.560	NUM
asir-2213	207	40	*	*	PUNCT
asir-2213	207	41	*	*	PUNCT
asir-2213	207	42	*	*	PUNCT
asir-2213	207	43	0.543	0.543	NUM
asir-2213	207	44	*	*	PUNCT
asir-2213	207	45	*	*	PUNCT
asir-2213	207	46	*	*	PUNCT
asir-2213	207	47	(	(	PUNCT
asir-2213	207	48	0.000	0.000	NUM
asir-2213	207	49	)	)	PUNCT
asir-2213	207	50	(	(	PUNCT
asir-2213	207	51	0.000	0.000	NUM
asir-2213	207	52	)	)	PUNCT
asir-2213	207	53	(	(	PUNCT
asir-2213	207	54	0.000	0.000	NUM
asir-2213	207	55	)	)	PUNCT
asir-2213	207	56	(	(	PUNCT
asir-2213	207	57	0.000	0.000	NUM
asir-2213	207	58	)	)	PUNCT
asir-2213	207	59	(	(	PUNCT
asir-2213	207	60	0.000	0.000	X
asir-2213	207	61	)	)	PUNCT
asir-2213	207	62	mgt	mgt	NOUN
asir-2213	207	63	-0.091	-0.091	NOUN
asir-2213	207	64	*	*	PUNCT
asir-2213	207	65	*	*	PUNCT
asir-2213	207	66	*	*	PUNCT
asir-2213	207	67	-0.095	-0.095	VERB
asir-2213	207	68	*	*	PUNCT
asir-2213	207	69	*	*	PUNCT
asir-2213	207	70	*	*	NOUN
asir-2213	207	71	-0.039	-0.039	NOUN
asir-2213	207	72	*	*	PUNCT
asir-2213	207	73	*	*	PUNCT
asir-2213	207	74	-0.090	-0.090	PUNCT
asir-2213	207	75	*	*	PUNCT
asir-2213	207	76	*	*	PUNCT
asir-2213	207	77	*	*	PUNCT
asir-2213	207	78	-0.087	-0.087	PUNCT
asir-2213	207	79	*	*	PUNCT
asir-2213	207	80	*	*	PUNCT
asir-2213	207	81	*	*	PUNCT
asir-2213	207	82	(	(	PUNCT
asir-2213	207	83	0.000	0.000	NUM
asir-2213	207	84	)	)	PUNCT
asir-2213	207	85	(	(	PUNCT
asir-2213	207	86	0.000	0.000	NUM
asir-2213	207	87	)	)	PUNCT
asir-2213	207	88	(	(	PUNCT
asir-2213	207	89	0.016	0.016	NUM
asir-2213	207	90	)	)	PUNCT
asir-2213	207	91	(	(	PUNCT
asir-2213	207	92	0.000	0.000	NUM
asir-2213	207	93	)	)	PUNCT
asir-2213	207	94	(	(	PUNCT
asir-2213	207	95	0.000	0.000	NUM
asir-2213	207	96	)	)	PUNCT
asir-2213	207	97	fee	fee	NOUN
asir-2213	207	98	-0.306	-0.306	NOUN
asir-2213	207	99	*	*	PUNCT
asir-2213	207	100	*	*	PUNCT
asir-2213	207	101	*	*	PUNCT
asir-2213	207	102	-0.293	-0.293	PUNCT
asir-2213	207	103	*	*	PUNCT
asir-2213	207	104	*	*	PUNCT
asir-2213	207	105	*	*	PUNCT
asir-2213	207	106	-0.302	-0.302	PUNCT
asir-2213	207	107	*	*	PUNCT
asir-2213	207	108	*	*	PUNCT
asir-2213	207	109	*	*	X
asir-2213	207	110	0.230	0.230	NUM
asir-2213	207	111	-0.286	-0.286	NUM
asir-2213	207	112	*	*	PUNCT
asir-2213	207	113	*	*	PUNCT
asir-2213	207	114	*	*	PUNCT
asir-2213	207	115	(	(	PUNCT
asir-2213	207	116	0.000	0.000	NUM
asir-2213	207	117	)	)	PUNCT
asir-2213	207	118	(	(	PUNCT
asir-2213	207	119	0.000	0.000	NUM
asir-2213	207	120	)	)	PUNCT
asir-2213	207	121	(	(	PUNCT
asir-2213	207	122	0.000	0.000	NUM
asir-2213	207	123	)	)	PUNCT
asir-2213	207	124	(	(	PUNCT
asir-2213	207	125	0.321	0.321	NUM
asir-2213	207	126	)	)	PUNCT
asir-2213	207	127	(	(	PUNCT
asir-2213	207	128	0.000	0.000	NUM
asir-2213	207	129	)	)	PUNCT
asir-2213	207	130	cred	cre	VERB
asir-2213	207	131	-0.013	-0.013	PUNCT
asir-2213	207	132	-0.019	-0.019	PUNCT
asir-2213	208	1	-0.016	-0.016	X
asir-2213	208	2	-0.015	-0.015	PUNCT
asir-2213	208	3	0.097	0.097	NUM
asir-2213	208	4	*	*	PUNCT
asir-2213	208	5	(	(	PUNCT
asir-2213	208	6	0.543	0.543	NUM
asir-2213	208	7	)	)	PUNCT
asir-2213	208	8	(	(	PUNCT
asir-2213	208	9	0.359	0.359	NUM
asir-2213	208	10	)	)	PUNCT
asir-2213	208	11	(	(	PUNCT
asir-2213	208	12	0.428	0.428	NUM
asir-2213	208	13	)	)	PUNCT
asir-2213	208	14	(	(	PUNCT
asir-2213	208	15	0.461	0.461	NUM
asir-2213	208	16	)	)	PUNCT
asir-2213	208	17	(	(	PUNCT
asir-2213	208	18	0.082	0.082	NUM
asir-2213	208	19	)	)	PUNCT
asir-2213	208	20	herf	herf	NOUN
asir-2213	208	21	0.190	0.190	NUM
asir-2213	208	22	*	*	PUNCT
asir-2213	208	23	*	*	PUNCT
asir-2213	208	24	*	*	PUNCT
asir-2213	208	25	0.213	0.213	NUM
asir-2213	208	26	*	*	PUNCT
asir-2213	208	27	*	*	PUNCT
asir-2213	208	28	*	*	PUNCT
asir-2213	208	29	0.212	0.212	NUM
asir-2213	208	30	*	*	PUNCT
asir-2213	208	31	*	*	PUNCT
asir-2213	208	32	*	*	PUNCT
asir-2213	208	33	0.200	0.200	NUM
asir-2213	208	34	*	*	PUNCT
asir-2213	208	35	*	*	PUNCT
asir-2213	208	36	*	*	PUNCT
asir-2213	208	37	0.175	0.175	NUM
asir-2213	208	38	*	*	PUNCT
asir-2213	208	39	*	*	PUNCT
asir-2213	208	40	*	*	PUNCT
asir-2213	208	41	(	(	PUNCT
asir-2213	208	42	0.002	0.002	NUM
asir-2213	208	43	)	)	PUNCT
asir-2213	208	44	(	(	PUNCT
asir-2213	208	45	0.000	0.000	NUM
asir-2213	208	46	)	)	PUNCT
asir-2213	208	47	(	(	PUNCT
asir-2213	208	48	0.000	0.000	NUM
asir-2213	208	49	)	)	PUNCT
asir-2213	208	50	(	(	PUNCT
asir-2213	208	51	0.001	0.001	NUM
asir-2213	208	52	)	)	PUNCT
asir-2213	208	53	(	(	PUNCT
asir-2213	208	54	0.004	0.004	NUM
asir-2213	208	55	)	)	PUNCT
asir-2213	208	56	refm	refm	NOUN
asir-2213	208	57	0.005	0.005	NUM
asir-2213	208	58	0.005	0.005	NUM
asir-2213	208	59	0.005	0.005	NUM
asir-2213	208	60	0.004	0.004	NUM
asir-2213	208	61	0.005	0.005	NUM
asir-2213	208	62	(	(	PUNCT
asir-2213	208	63	0.325	0.325	NUM
asir-2213	208	64	)	)	PUNCT
asir-2213	208	65	(	(	PUNCT
asir-2213	208	66	0.246	0.246	NUM
asir-2213	208	67	)	)	PUNCT
asir-2213	208	68	(	(	PUNCT
asir-2213	208	69	0.242	0.242	NUM
asir-2213	208	70	)	)	PUNCT
asir-2213	208	71	(	(	PUNCT
asir-2213	208	72	0.360	0.360	NUM
asir-2213	208	73	)	)	PUNCT
asir-2213	208	74	(	(	PUNCT
asir-2213	208	75	0.339	0.339	NUM
asir-2213	208	76	)	)	PUNCT
asir-2213	208	77	risk*refm	risk*refm	NOUN
asir-2213	208	78	-0.085	-0.085	NOUN
asir-2213	208	79	*	*	PUNCT
asir-2213	208	80	*	*	PUNCT
asir-2213	208	81	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	208	82	applied	apply	VERB
asir-2213	208	83	science	science	NOUN
asir-2213	208	84	and	and	CCONJ
asir-2213	208	85	innovative	innovative	ADJ
asir-2213	208	86	research	research	NOUN
asir-2213	208	87	vol	vol	NOUN
asir-2213	208	88	.	.	PUNCT
asir-2213	209	1	3	3	NUM
asir-2213	209	2	,	,	PUNCT
asir-2213	209	3	no	no	INTJ
asir-2213	209	4	.	.	NOUN
asir-2213	209	5	3	3	NUM
asir-2213	209	6	,	,	PUNCT
asir-2213	209	7	2019	2019	NUM
asir-2213	209	8	144	144	NUM
asir-2213	209	9	published	publish	VERB
asir-2213	209	10	by	by	ADP
asir-2213	209	11	scholink	scholink	PROPN
asir-2213	209	12	inc	inc	PROPN
asir-2213	209	13	.	.	PROPN
asir-2213	210	1	(	(	PUNCT
asir-2213	210	2	0.033	0.033	NUM
asir-2213	210	3	)	)	PUNCT
asir-2213	210	4	opc*refm	opc*refm	ADJ
asir-2213	210	5	-0.186	-0.186	NOUN
asir-2213	210	6	*	*	PUNCT
asir-2213	210	7	*	*	PUNCT
asir-2213	210	8	*	*	PUNCT
asir-2213	210	9	(	(	PUNCT
asir-2213	210	10	0.001	0.001	NUM
asir-2213	210	11	)	)	PUNCT
asir-2213	210	12	mgt*refm	mgt*refm	NOUN
asir-2213	210	13	-0.030	-0.030	PUNCT
asir-2213	210	14	*	*	PUNCT
asir-2213	210	15	*	*	PUNCT
asir-2213	210	16	*	*	PUNCT
asir-2213	210	17	(	(	PUNCT
asir-2213	210	18	0.000	0.000	NUM
asir-2213	210	19	)	)	PUNCT
asir-2213	210	20	fee*refm	fee*refm	NOUN
asir-2213	210	21	-0.266	-0.266	X
asir-2213	210	22	*	*	PUNCT
asir-2213	210	23	*	*	PUNCT
asir-2213	210	24	(	(	PUNCT
asir-2213	210	25	0.013	0.013	NUM
asir-2213	210	26	)	)	PUNCT
asir-2213	210	27	cred*refm	cred*refm	ADP
asir-2213	210	28	-0.060	-0.060	NOUN
asir-2213	210	29	*	*	PUNCT
asir-2213	210	30	*	*	PUNCT
asir-2213	210	31	(	(	PUNCT
asir-2213	210	32	0.035	0.035	NUM
asir-2213	210	33	)	)	PUNCT
asir-2213	210	34	constant	constant	ADJ
asir-2213	210	35	0.056	0.056	NUM
asir-2213	210	36	*	*	NOUN
asir-2213	210	37	*	*	PUNCT
asir-2213	210	38	*	*	PUNCT
asir-2213	210	39	0.051	0.051	NUM
asir-2213	210	40	*	*	PUNCT
asir-2213	210	41	*	*	PUNCT
asir-2213	210	42	*	*	PUNCT
asir-2213	210	43	0.051	0.051	NUM
asir-2213	210	44	*	*	PUNCT
asir-2213	210	45	*	*	PUNCT
asir-2213	210	46	*	*	PUNCT
asir-2213	210	47	0.055	0.055	NUM
asir-2213	210	48	*	*	PUNCT
asir-2213	210	49	*	*	PUNCT
asir-2213	210	50	*	*	PUNCT
asir-2213	210	51	0.059	0.059	NUM
asir-2213	210	52	*	*	PUNCT
asir-2213	210	53	*	*	PUNCT
asir-2213	210	54	*	*	PUNCT
asir-2213	210	55	(	(	PUNCT
asir-2213	210	56	0.000	0.000	NUM
asir-2213	210	57	)	)	PUNCT
asir-2213	210	58	(	(	PUNCT
asir-2213	210	59	0.000	0.000	NUM
asir-2213	210	60	)	)	PUNCT
asir-2213	210	61	(	(	PUNCT
asir-2213	210	62	0.000	0.000	NUM
asir-2213	210	63	)	)	PUNCT
asir-2213	210	64	(	(	PUNCT
asir-2213	210	65	0.000	0.000	NUM
asir-2213	210	66	)	)	PUNCT
asir-2213	210	67	(	(	PUNCT
asir-2213	210	68	0.000	0.000	X
asir-2213	210	69	)	)	PUNCT
asir-2213	211	1	fixed	fix	VERB
asir-2213	211	2	effects	effect	NOUN
asir-2213	212	1	yes	yes	INTJ
asir-2213	213	1	yes	yes	INTJ
asir-2213	214	1	yes	yes	INTJ
asir-2213	215	1	yes	yes	INTJ
asir-2213	215	2	yes	yes	INTJ
asir-2213	215	3	r2	r2	NOUN
asir-2213	215	4	-	-	PUNCT
asir-2213	215	5	within	within	ADP
asir-2213	215	6	0.486	0.486	NUM
asir-2213	215	7	0.508	0.508	NUM
asir-2213	215	8	0.513	0.513	NUM
asir-2213	215	9	0.492	0.492	NUM
asir-2213	215	10	0.486	0.486	NUM
asir-2213	215	11	r2	r2	NOUN
asir-2213	215	12	-	-	PUNCT
asir-2213	215	13	between	between	ADP
asir-2213	215	14	0.675	0.675	NUM
asir-2213	215	15	0.636	0.636	NUM
asir-2213	215	16	0.617	0.617	NUM
asir-2213	215	17	0.673	0.673	NUM
asir-2213	215	18	0.673	0.673	NUM
asir-2213	215	19	r2	r2	NOUN
asir-2213	215	20	-	-	PUNCT
asir-2213	215	21	overall	overall	ADJ
asir-2213	215	22	0.530	0.530	NUM
asir-2213	215	23	0.525	0.525	NUM
asir-2213	215	24	0.522	0.522	NUM
asir-2213	215	25	0.530	0.530	NUM
asir-2213	215	26	0.522	0.522	NUM
asir-2213	215	27	no	no	NOUN
asir-2213	215	28	.	.	PUNCT
asir-2213	216	1	of	of	ADP
asir-2213	216	2	obs	obs	PROPN
asir-2213	216	3	.	.	PUNCT
asir-2213	217	1	174	174	NUM
asir-2213	217	2	174	174	NUM
asir-2213	217	3	174	174	NUM
asir-2213	217	4	174	174	NUM
asir-2213	217	5	174	174	NUM
asir-2213	217	6	no	no	NOUN
asir-2213	217	7	.	.	PUNCT
asir-2213	217	8	of	of	ADP
asir-2213	217	9	banks	bank	NOUN
asir-2213	217	10	25	25	NUM
asir-2213	217	11	25	25	NUM
asir-2213	217	12	25	25	NUM
asir-2213	217	13	25	25	NUM
asir-2213	217	14	25	25	NUM
asir-2213	217	15	notes	note	NOUN
asir-2213	217	16	.	.	PUNCT
asir-2213	218	1	dependent	dependent	ADJ
asir-2213	218	2	variable	variable	NOUN
asir-2213	218	3	is	be	AUX
asir-2213	218	4	net	net	ADJ
asir-2213	218	5	interest	interest	NOUN
asir-2213	218	6	margin	margin	NOUN
asir-2213	218	7	(	(	PUNCT
asir-2213	218	8	nim	nim	NOUN
asir-2213	218	9	)	)	PUNCT
asir-2213	218	10	,	,	PUNCT
asir-2213	218	11	defined	define	VERB
asir-2213	218	12	as	as	ADP
asir-2213	218	13	the	the	DET
asir-2213	218	14	difference	difference	NOUN
asir-2213	218	15	between	between	ADP
asir-2213	218	16	interest	interest	NOUN
asir-2213	218	17	income	income	NOUN
asir-2213	218	18	and	and	CCONJ
asir-2213	218	19	interest	interest	NOUN
asir-2213	218	20	expense	expense	NOUN
asir-2213	218	21	to	to	ADP
asir-2213	218	22	total	total	ADJ
asir-2213	218	23	assets	asset	NOUN
asir-2213	218	24	.	.	PUNCT
asir-2213	219	1	p	p	X
asir-2213	219	2	-	-	PUNCT
asir-2213	219	3	values	value	NOUN
asir-2213	219	4	are	be	AUX
asir-2213	219	5	given	give	VERB
asir-2213	219	6	in	in	ADP
asir-2213	219	7	parentheses	parenthesis	NOUN
asir-2213	219	8	.	.	PUNCT
asir-2213	220	1	the	the	DET
asir-2213	220	2	symbols	symbol	NOUN
asir-2213	220	3	*	*	PUNCT
asir-2213	220	4	,	,	PUNCT
asir-2213	220	5	*	*	PUNCT
asir-2213	220	6	*	*	PUNCT
asir-2213	220	7	and	and	CCONJ
asir-2213	220	8	*	*	PUNCT
asir-2213	220	9	*	*	PUNCT
asir-2213	220	10	*	*	PUNCT
asir-2213	220	11	indicate	indicate	VERB
asir-2213	220	12	significance	significance	NOUN
asir-2213	220	13	levels	level	NOUN
asir-2213	220	14	of	of	ADP
asir-2213	220	15	10	10	NUM
asir-2213	220	16	%	%	NOUN
asir-2213	220	17	,	,	PUNCT
asir-2213	220	18	5	5	NUM
asir-2213	220	19	%	%	NOUN
asir-2213	220	20	and	and	CCONJ
asir-2213	220	21	1	1	NUM
asir-2213	220	22	%	%	NOUN
asir-2213	220	23	,	,	PUNCT
asir-2213	220	24	respectively	respectively	ADV
asir-2213	220	25	.	.	PUNCT
asir-2213	220	26	table	table	NOUN
asir-2213	220	27	4	4	NUM
asir-2213	220	28	.	.	PUNCT
asir-2213	221	1	regression	regression	NOUN
asir-2213	221	2	results	result	NOUN
asir-2213	221	3	including	include	VERB
asir-2213	221	4	industry	industry	NOUN
asir-2213	221	5	-	-	PUNCT
asir-2213	221	6	specific	specific	ADJ
asir-2213	221	7	variables	variable	NOUN
asir-2213	221	8	,	,	PUNCT
asir-2213	221	9	macroeconomic	macroeconomic	ADJ
asir-2213	221	10	environment	environment	NOUN
asir-2213	221	11	and	and	CCONJ
asir-2213	221	12	regulatory	regulatory	ADJ
asir-2213	221	13	interactions	interaction	NOUN
asir-2213	221	14	variables	variable	NOUN
asir-2213	221	15	(	(	PUNCT
asir-2213	221	16	10	10	NUM
asir-2213	221	17	)	)	PUNCT
asir-2213	221	18	(	(	PUNCT
asir-2213	221	19	11	11	NUM
asir-2213	221	20	)	)	PUNCT
asir-2213	221	21	(	(	PUNCT
asir-2213	221	22	12	12	NUM
asir-2213	221	23	)	)	PUNCT
asir-2213	221	24	(	(	PUNCT
asir-2213	221	25	13	13	NUM
asir-2213	221	26	)	)	PUNCT
asir-2213	221	27	(	(	PUNCT
asir-2213	221	28	14	14	NUM
asir-2213	221	29	)	)	PUNCT
asir-2213	221	30	risk	risk	NOUN
asir-2213	221	31	0.253	0.253	NUM
asir-2213	221	32	*	*	PUNCT
asir-2213	221	33	*	*	PUNCT
asir-2213	221	34	*	*	PUNCT
asir-2213	221	35	0.034	0.034	NUM
asir-2213	221	36	*	*	PUNCT
asir-2213	221	37	*	*	PUNCT
asir-2213	221	38	*	*	PUNCT
asir-2213	221	39	0.036	0.036	NUM
asir-2213	221	40	*	*	PUNCT
asir-2213	221	41	*	*	PUNCT
asir-2213	221	42	*	*	PUNCT
asir-2213	221	43	0.030	0.030	NUM
asir-2213	221	44	*	*	PUNCT
asir-2213	221	45	*	*	PUNCT
asir-2213	221	46	*	*	PUNCT
asir-2213	221	47	0.025	0.025	NUM
asir-2213	221	48	*	*	PUNCT
asir-2213	221	49	*	*	PUNCT
asir-2213	221	50	*	*	PUNCT
asir-2213	221	51	(	(	PUNCT
asir-2213	221	52	0.003	0.003	NUM
asir-2213	221	53	)	)	PUNCT
asir-2213	221	54	(	(	PUNCT
asir-2213	221	55	0.000	0.000	NUM
asir-2213	221	56	)	)	PUNCT
asir-2213	221	57	(	(	PUNCT
asir-2213	221	58	0.000	0.000	NUM
asir-2213	221	59	)	)	PUNCT
asir-2213	221	60	(	(	PUNCT
asir-2213	221	61	0.001	0.001	NUM
asir-2213	221	62	)	)	PUNCT
asir-2213	221	63	(	(	PUNCT
asir-2213	221	64	0.003	0.003	NUM
asir-2213	221	65	)	)	PUNCT
asir-2213	221	66	opc	opc	PROPN
asir-2213	221	67	0.580	0.580	NUM
asir-2213	221	68	*	*	PUNCT
asir-2213	221	69	*	*	PUNCT
asir-2213	221	70	*	*	PUNCT
asir-2213	221	71	1.025	1.025	NUM
asir-2213	221	72	*	*	PUNCT
asir-2213	221	73	*	*	PUNCT
asir-2213	221	74	*	*	PUNCT
asir-2213	222	1	0.607	0.607	NUM
asir-2213	222	2	*	*	PUNCT
asir-2213	222	3	*	*	PUNCT
asir-2213	222	4	*	*	PUNCT
asir-2213	222	5	0.572	0.572	NUM
asir-2213	222	6	*	*	PUNCT
asir-2213	222	7	*	*	PUNCT
asir-2213	222	8	*	*	PUNCT
asir-2213	222	9	0.553	0.553	NUM
asir-2213	222	10	*	*	PUNCT
asir-2213	222	11	*	*	PUNCT
asir-2213	222	12	*	*	PUNCT
asir-2213	222	13	(	(	PUNCT
asir-2213	222	14	0.000	0.000	NUM
asir-2213	222	15	)	)	PUNCT
asir-2213	222	16	(	(	PUNCT
asir-2213	222	17	0.000	0.000	NUM
asir-2213	222	18	)	)	PUNCT
asir-2213	222	19	(	(	PUNCT
asir-2213	222	20	0.000	0.000	NUM
asir-2213	222	21	)	)	PUNCT
asir-2213	222	22	(	(	PUNCT
asir-2213	222	23	0.000	0.000	NUM
asir-2213	222	24	)	)	PUNCT
asir-2213	222	25	(	(	PUNCT
asir-2213	222	26	0.000	0.000	X
asir-2213	222	27	)	)	PUNCT
asir-2213	222	28	mgt	mgt	NOUN
asir-2213	222	29	-0.087	-0.087	NOUN
asir-2213	222	30	*	*	PUNCT
asir-2213	222	31	*	*	PUNCT
asir-2213	222	32	*	*	PUNCT
asir-2213	222	33	-0.091	-0.091	PUNCT
asir-2213	222	34	*	*	PUNCT
asir-2213	222	35	*	*	PUNCT
asir-2213	222	36	*	*	PUNCT
asir-2213	222	37	-0.030	-0.030	PROPN
asir-2213	222	38	*	*	PUNCT
asir-2213	222	39	-0.085	-0.085	PUNCT
asir-2213	222	40	*	*	PUNCT
asir-2213	222	41	*	*	PUNCT
asir-2213	222	42	*	*	PUNCT
asir-2213	222	43	-0.082	-0.082	PUNCT
asir-2213	222	44	*	*	PUNCT
asir-2213	222	45	*	*	PUNCT
asir-2213	222	46	*	*	PUNCT
asir-2213	222	47	(	(	PUNCT
asir-2213	222	48	0.000	0.000	NUM
asir-2213	222	49	)	)	PUNCT
asir-2213	222	50	(	(	PUNCT
asir-2213	222	51	0.000	0.000	NUM
asir-2213	222	52	)	)	PUNCT
asir-2213	222	53	(	(	PUNCT
asir-2213	222	54	0.072	0.072	NUM
asir-2213	222	55	)	)	PUNCT
asir-2213	222	56	(	(	PUNCT
asir-2213	222	57	0.000	0.000	NUM
asir-2213	222	58	)	)	PUNCT
asir-2213	222	59	(	(	PUNCT
asir-2213	222	60	0.000	0.000	NUM
asir-2213	222	61	)	)	PUNCT
asir-2213	222	62	fee	fee	NOUN
asir-2213	222	63	-0.313	-0.313	PUNCT
asir-2213	223	1	*	*	PUNCT
asir-2213	223	2	*	*	PUNCT
asir-2213	223	3	*	*	PUNCT
asir-2213	224	1	-0.300	-0.300	PUNCT
asir-2213	224	2	*	*	PUNCT
asir-2213	224	3	*	*	PUNCT
asir-2213	224	4	*	*	PUNCT
asir-2213	224	5	-0.310	-0.310	X
asir-2213	224	6	*	*	PUNCT
asir-2213	224	7	*	*	PUNCT
asir-2213	224	8	*	*	PUNCT
asir-2213	224	9	0.391	0.391	NUM
asir-2213	224	10	*	*	PUNCT
asir-2213	225	1	-0.289	-0.289	NOUN
asir-2213	226	1	*	*	PUNCT
asir-2213	226	2	*	*	PUNCT
asir-2213	226	3	*	*	PUNCT
asir-2213	226	4	(	(	PUNCT
asir-2213	226	5	0.000	0.000	NUM
asir-2213	226	6	)	)	PUNCT
asir-2213	226	7	(	(	PUNCT
asir-2213	226	8	0.000	0.000	NUM
asir-2213	226	9	)	)	PUNCT
asir-2213	226	10	(	(	PUNCT
asir-2213	226	11	0.000	0.000	NUM
asir-2213	226	12	)	)	PUNCT
asir-2213	226	13	(	(	PUNCT
asir-2213	226	14	0.092	0.092	NUM
asir-2213	226	15	)	)	PUNCT
asir-2213	226	16	(	(	PUNCT
asir-2213	226	17	0.000	0.000	X
asir-2213	226	18	)	)	PUNCT
asir-2213	226	19	cred	cre	VERB
asir-2213	226	20	-0.002	-0.002	PUNCT
asir-2213	226	21	-0.008	-0.008	NOUN
asir-2213	226	22	-0.006	-0.006	X
asir-2213	226	23	-0.004	-0.004	PUNCT
asir-2213	226	24	0.127	0.127	NUM
asir-2213	226	25	*	*	PUNCT
asir-2213	226	26	*	*	PUNCT
asir-2213	226	27	(	(	PUNCT
asir-2213	226	28	0.936	0.936	NUM
asir-2213	226	29	)	)	PUNCT
asir-2213	226	30	(	(	PUNCT
asir-2213	226	31	0.682	0.682	NUM
asir-2213	226	32	)	)	PUNCT
asir-2213	226	33	(	(	PUNCT
asir-2213	226	34	0.779	0.779	NUM
asir-2213	226	35	)	)	PUNCT
asir-2213	226	36	(	(	PUNCT
asir-2213	226	37	0.836	0.836	NUM
asir-2213	226	38	)	)	PUNCT
asir-2213	226	39	(	(	PUNCT
asir-2213	226	40	0.023	0.023	NUM
asir-2213	226	41	)	)	PUNCT
asir-2213	226	42	herf	herf	NOUN
asir-2213	226	43	0.066	0.066	NUM
asir-2213	226	44	0.090	0.090	NUM
asir-2213	226	45	0.088	0.088	NUM
asir-2213	226	46	0.076	0.076	NUM
asir-2213	226	47	0.043	0.043	NUM
asir-2213	226	48	(	(	PUNCT
asir-2213	226	49	0.395	0.395	NUM
asir-2213	226	50	)	)	PUNCT
asir-2213	226	51	(	(	PUNCT
asir-2213	226	52	0.237	0.237	NUM
asir-2213	226	53	)	)	PUNCT
asir-2213	226	54	(	(	PUNCT
asir-2213	226	55	0.242	0.242	NUM
asir-2213	226	56	)	)	PUNCT
asir-2213	226	57	(	(	PUNCT
asir-2213	226	58	0.320	0.320	NUM
asir-2213	226	59	)	)	PUNCT
asir-2213	226	60	(	(	PUNCT
asir-2213	226	61	0.575	0.575	NUM
asir-2213	226	62	)	)	PUNCT
asir-2213	226	63	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	226	64	applied	apply	VERB
asir-2213	226	65	science	science	NOUN
asir-2213	226	66	and	and	CCONJ
asir-2213	226	67	innovative	innovative	ADJ
asir-2213	226	68	research	research	NOUN
asir-2213	226	69	vol	vol	NOUN
asir-2213	226	70	.	.	PUNCT
asir-2213	227	1	3	3	NUM
asir-2213	227	2	,	,	PUNCT
asir-2213	227	3	no	no	INTJ
asir-2213	227	4	.	.	NOUN
asir-2213	227	5	3	3	NUM
asir-2213	227	6	,	,	PUNCT
asir-2213	227	7	2019	2019	NUM
asir-2213	227	8	145	145	NUM
asir-2213	227	9	published	publish	VERB
asir-2213	227	10	by	by	ADP
asir-2213	227	11	scholink	scholink	PROPN
asir-2213	227	12	inc	inc	PROPN
asir-2213	227	13	.	.	PROPN
asir-2213	227	14	disc	disc	PROPN
asir-2213	227	15	0.001	0.001	NUM
asir-2213	227	16	*	*	PUNCT
asir-2213	227	17	*	*	PUNCT
asir-2213	227	18	*	*	NOUN
asir-2213	227	19	0.001	0.001	NUM
asir-2213	227	20	*	*	PUNCT
asir-2213	227	21	*	*	PUNCT
asir-2213	227	22	*	*	PUNCT
asir-2213	228	1	0.000	0.000	NUM
asir-2213	228	2	*	*	PUNCT
asir-2213	228	3	*	*	PUNCT
asir-2213	228	4	*	*	PUNCT
asir-2213	228	5	0.001	0.001	NUM
asir-2213	228	6	*	*	PUNCT
asir-2213	228	7	*	*	PUNCT
asir-2213	228	8	*	*	PUNCT
asir-2213	229	1	0.000	0.000	PUNCT
asir-2213	229	2	*	*	PUNCT
asir-2213	229	3	*	*	PUNCT
asir-2213	229	4	(	(	PUNCT
asir-2213	229	5	0.010	0.010	NUM
asir-2213	229	6	)	)	PUNCT
asir-2213	229	7	(	(	PUNCT
asir-2213	229	8	0.005	0.005	NUM
asir-2213	229	9	)	)	PUNCT
asir-2213	229	10	(	(	PUNCT
asir-2213	229	11	0.008	0.008	NUM
asir-2213	229	12	)	)	PUNCT
asir-2213	229	13	(	(	PUNCT
asir-2213	229	14	0.005	0.005	NUM
asir-2213	229	15	)	)	PUNCT
asir-2213	229	16	(	(	PUNCT
asir-2213	229	17	0.019	0.019	NUM
asir-2213	229	18	)	)	PUNCT
asir-2213	229	19	infl	infl	PROPN
asir-2213	229	20	0.000	0.000	NUM
asir-2213	230	1	0.000	0.000	NUM
asir-2213	230	2	0.000	0.000	NUM
asir-2213	230	3	0.000	0.000	NUM
asir-2213	230	4	0.000	0.000	NUM
asir-2213	230	5	(	(	PUNCT
asir-2213	230	6	0.132	0.132	NUM
asir-2213	230	7	)	)	PUNCT
asir-2213	230	8	(	(	PUNCT
asir-2213	230	9	0.153	0.153	NUM
asir-2213	230	10	)	)	PUNCT
asir-2213	230	11	(	(	PUNCT
asir-2213	230	12	0.158	0.158	NUM
asir-2213	230	13	)	)	PUNCT
asir-2213	230	14	(	(	PUNCT
asir-2213	230	15	0.136	0.136	NUM
asir-2213	230	16	)	)	PUNCT
asir-2213	230	17	(	(	PUNCT
asir-2213	230	18	0.104	0.104	NUM
asir-2213	230	19	)	)	PUNCT
asir-2213	230	20	refm	refm	NOUN
asir-2213	230	21	0.003	0.003	NUM
asir-2213	230	22	0.004	0.004	NUM
asir-2213	230	23	0.004	0.004	NUM
asir-2213	230	24	0.003	0.003	NUM
asir-2213	230	25	0.003	0.003	NUM
asir-2213	230	26	(	(	PUNCT
asir-2213	230	27	0.472	0.472	NUM
asir-2213	230	28	)	)	PUNCT
asir-2213	230	29	(	(	PUNCT
asir-2213	230	30	0.363	0.363	NUM
asir-2213	230	31	)	)	PUNCT
asir-2213	230	32	(	(	PUNCT
asir-2213	230	33	0.357	0.357	NUM
asir-2213	230	34	)	)	PUNCT
asir-2213	230	35	(	(	PUNCT
asir-2213	230	36	0.546	0.546	NUM
asir-2213	230	37	)	)	PUNCT
asir-2213	230	38	(	(	PUNCT
asir-2213	230	39	0.478	0.478	NUM
asir-2213	230	40	)	)	PUNCT
asir-2213	230	41	risk*refm	risk*refm	NOUN
asir-2213	230	42	-0.111	-0.111	NOUN
asir-2213	230	43	*	*	PUNCT
asir-2213	230	44	*	*	PUNCT
asir-2213	230	45	*	*	PUNCT
asir-2213	230	46	(	(	PUNCT
asir-2213	230	47	0.006	0.006	NUM
asir-2213	230	48	)	)	PUNCT
asir-2213	230	49	opc*refm	opc*refm	ADJ
asir-2213	230	50	-0.218	-0.218	NOUN
asir-2213	230	51	*	*	PUNCT
asir-2213	230	52	*	*	PUNCT
asir-2213	230	53	*	*	PUNCT
asir-2213	230	54	(	(	PUNCT
asir-2213	230	55	0.000	0.000	X
asir-2213	230	56	)	)	PUNCT
asir-2213	230	57	mgt*refm	mgt*refm	NOUN
asir-2213	230	58	-0.033	-0.033	PUNCT
asir-2213	230	59	*	*	PUNCT
asir-2213	230	60	*	*	PUNCT
asir-2213	230	61	*	*	PUNCT
asir-2213	230	62	(	(	PUNCT
asir-2213	230	63	0.000	0.000	NUM
asir-2213	230	64	)	)	PUNCT
asir-2213	230	65	fee*refm	fee*refm	NOUN
asir-2213	230	66	-0.349	-0.349	PUNCT
asir-2213	230	67	*	*	PUNCT
asir-2213	230	68	*	*	PUNCT
asir-2213	230	69	*	*	PUNCT
asir-2213	230	70	(	(	PUNCT
asir-2213	230	71	0.001	0.001	NUM
asir-2213	230	72	)	)	PUNCT
asir-2213	230	73	cred*refm	cred*refm	NOUN
asir-2213	230	74	-0.071	-0.071	NOUN
asir-2213	230	75	*	*	PUNCT
asir-2213	230	76	*	*	PUNCT
asir-2213	230	77	(	(	PUNCT
asir-2213	230	78	0.011	0.011	NUM
asir-2213	230	79	)	)	PUNCT
asir-2213	230	80	constant	constant	ADJ
asir-2213	230	81	0.047	0.047	NUM
asir-2213	230	82	*	*	PUNCT
asir-2213	230	83	*	*	PUNCT
asir-2213	230	84	*	*	PUNCT
asir-2213	230	85	0.043	0.043	NUM
asir-2213	230	86	*	*	PUNCT
asir-2213	230	87	*	*	PUNCT
asir-2213	230	88	*	*	PUNCT
asir-2213	230	89	0.045	0.045	NUM
asir-2213	230	90	*	*	PUNCT
asir-2213	230	91	*	*	PUNCT
asir-2213	230	92	*	*	PUNCT
asir-2213	230	93	0.046	0.046	NUM
asir-2213	230	94	*	*	PUNCT
asir-2213	230	95	*	*	PUNCT
asir-2213	230	96	*	*	PUNCT
asir-2213	230	97	0.053	0.053	NUM
asir-2213	230	98	*	*	PUNCT
asir-2213	230	99	*	*	PUNCT
asir-2213	230	100	*	*	PUNCT
asir-2213	230	101	(	(	PUNCT
asir-2213	230	102	0.001	0.001	NUM
asir-2213	230	103	)	)	PUNCT
asir-2213	230	104	(	(	PUNCT
asir-2213	230	105	0.001	0.001	NUM
asir-2213	230	106	)	)	PUNCT
asir-2213	230	107	(	(	PUNCT
asir-2213	230	108	0.001	0.001	NUM
asir-2213	230	109	)	)	PUNCT
asir-2213	230	110	(	(	PUNCT
asir-2213	230	111	0.001	0.001	NUM
asir-2213	230	112	)	)	PUNCT
asir-2213	230	113	(	(	PUNCT
asir-2213	230	114	0.000	0.000	X
asir-2213	230	115	)	)	PUNCT
asir-2213	230	116	fixed	fix	VERB
asir-2213	230	117	effects	effect	NOUN
asir-2213	231	1	yes	yes	INTJ
asir-2213	232	1	yes	yes	INTJ
asir-2213	233	1	yes	yes	INTJ
asir-2213	234	1	yes	yes	INTJ
asir-2213	234	2	yes	yes	INTJ
asir-2213	234	3	r2	r2	NOUN
asir-2213	234	4	-	-	PUNCT
asir-2213	234	5	within	within	ADP
asir-2213	234	6	0.527	0.527	NUM
asir-2213	234	7	0.550	0.550	NUM
asir-2213	234	8	0.552	0.552	NUM
asir-2213	234	9	0.537	0.537	NUM
asir-2213	234	10	0.524	0.524	NUM
asir-2213	234	11	r2	r2	NOUN
asir-2213	234	12	-	-	PUNCT
asir-2213	234	13	between	between	ADP
asir-2213	234	14	0.701	0.701	NUM
asir-2213	234	15	0.664	0.664	NUM
asir-2213	234	16	0.644	0.644	NUM
asir-2213	234	17	0.703	0.703	NUM
asir-2213	234	18	0.704	0.704	NUM
asir-2213	234	19	r2	r2	NOUN
asir-2213	234	20	-	-	PUNCT
asir-2213	234	21	overall	overall	ADJ
asir-2213	234	22	0.562	0.562	NUM
asir-2213	234	23	0.560	0.560	NUM
asir-2213	234	24	0.553	0.553	NUM
asir-2213	234	25	0.565	0.565	NUM
asir-2213	234	26	0.553	0.553	NUM
asir-2213	234	27	no	no	NOUN
asir-2213	234	28	.	.	PUNCT
asir-2213	235	1	of	of	ADP
asir-2213	235	2	obs	obs	PROPN
asir-2213	235	3	.	.	PUNCT
asir-2213	236	1	174	174	NUM
asir-2213	236	2	174	174	NUM
asir-2213	236	3	174	174	NUM
asir-2213	236	4	174	174	NUM
asir-2213	236	5	174	174	NUM
asir-2213	236	6	no	no	NOUN
asir-2213	236	7	.	.	PUNCT
asir-2213	236	8	of	of	ADP
asir-2213	236	9	banks	bank	NOUN
asir-2213	236	10	25	25	NUM
asir-2213	236	11	25	25	NUM
asir-2213	236	12	25	25	NUM
asir-2213	236	13	25	25	NUM
asir-2213	236	14	25	25	NUM
asir-2213	236	15	notes	note	NOUN
asir-2213	236	16	.	.	PUNCT
asir-2213	237	1	dependent	dependent	ADJ
asir-2213	237	2	variable	variable	NOUN
asir-2213	237	3	is	be	AUX
asir-2213	237	4	net	net	ADJ
asir-2213	237	5	interest	interest	NOUN
asir-2213	237	6	margin	margin	NOUN
asir-2213	237	7	(	(	PUNCT
asir-2213	237	8	nim	nim	NOUN
asir-2213	237	9	)	)	PUNCT
asir-2213	237	10	,	,	PUNCT
asir-2213	237	11	defined	define	VERB
asir-2213	237	12	as	as	ADP
asir-2213	237	13	the	the	DET
asir-2213	237	14	difference	difference	NOUN
asir-2213	237	15	between	between	ADP
asir-2213	237	16	interest	interest	NOUN
asir-2213	237	17	income	income	NOUN
asir-2213	237	18	and	and	CCONJ
asir-2213	237	19	interest	interest	NOUN
asir-2213	237	20	expense	expense	NOUN
asir-2213	237	21	to	to	ADP
asir-2213	237	22	total	total	ADJ
asir-2213	237	23	assets	asset	NOUN
asir-2213	237	24	.	.	PUNCT
asir-2213	238	1	p	p	X
asir-2213	238	2	-	-	PUNCT
asir-2213	238	3	values	value	NOUN
asir-2213	238	4	are	be	AUX
asir-2213	238	5	given	give	VERB
asir-2213	238	6	in	in	ADP
asir-2213	238	7	parentheses	parenthesis	NOUN
asir-2213	238	8	.	.	PUNCT
asir-2213	239	1	the	the	DET
asir-2213	239	2	symbols	symbol	NOUN
asir-2213	239	3	*	*	PUNCT
asir-2213	239	4	,	,	PUNCT
asir-2213	239	5	*	*	PUNCT
asir-2213	239	6	*	*	PUNCT
asir-2213	239	7	and	and	CCONJ
asir-2213	239	8	*	*	PUNCT
asir-2213	239	9	*	*	PUNCT
asir-2213	239	10	*	*	PUNCT
asir-2213	239	11	indicate	indicate	VERB
asir-2213	239	12	significance	significance	NOUN
asir-2213	239	13	levels	level	NOUN
asir-2213	239	14	of	of	ADP
asir-2213	239	15	10	10	NUM
asir-2213	239	16	%	%	NOUN
asir-2213	239	17	,	,	PUNCT
asir-2213	239	18	5	5	NUM
asir-2213	239	19	%	%	NOUN
asir-2213	239	20	and	and	CCONJ
asir-2213	239	21	1	1	NUM
asir-2213	239	22	%	%	NOUN
asir-2213	239	23	,	,	PUNCT
asir-2213	239	24	respectively	respectively	ADV
asir-2213	239	25	.	.	PUNCT
asir-2213	240	1	the	the	DET
asir-2213	240	2	positive	positive	ADJ
asir-2213	240	3	relationship	relationship	NOUN
asir-2213	240	4	between	between	ADP
asir-2213	240	5	the	the	DET
asir-2213	240	6	degree	degree	NOUN
asir-2213	240	7	of	of	ADP
asir-2213	240	8	risk	risk	NOUN
asir-2213	240	9	aversion	aversion	NOUN
asir-2213	240	10	(	(	PUNCT
asir-2213	240	11	risk	risk	NOUN
asir-2213	240	12	)	)	PUNCT
asir-2213	240	13	and	and	CCONJ
asir-2213	240	14	the	the	DET
asir-2213	240	15	net	net	ADJ
asir-2213	240	16	interest	interest	NOUN
asir-2213	240	17	margin	margin	NOUN
asir-2213	240	18	(	(	PUNCT
asir-2213	240	19	nim	nim	NOUN
asir-2213	240	20	)	)	PUNCT
asir-2213	240	21	is	be	AUX
asir-2213	240	22	consistent	consistent	ADJ
asir-2213	240	23	with	with	ADP
asir-2213	240	24	theories	theory	NOUN
asir-2213	240	25	emphasizing	emphasize	VERB
asir-2213	240	26	the	the	DET
asir-2213	240	27	need	need	NOUN
asir-2213	240	28	for	for	ADP
asir-2213	240	29	highly	highly	ADV
asir-2213	240	30	capitalised	capitalise	VERB
asir-2213	240	31	banks	bank	NOUN
asir-2213	240	32	to	to	PART
asir-2213	240	33	charge	charge	VERB
asir-2213	240	34	higher	high	ADJ
asir-2213	240	35	rates	rate	NOUN
asir-2213	240	36	on	on	ADP
asir-2213	240	37	loans	loan	NOUN
asir-2213	240	38	and/or	and/or	CCONJ
asir-2213	240	39	pay	pay	VERB
asir-2213	240	40	lower	low	ADJ
asir-2213	240	41	rates	rate	NOUN
asir-2213	240	42	on	on	ADP
asir-2213	240	43	deposits	deposit	NOUN
asir-2213	240	44	.	.	PUNCT
asir-2213	241	1	this	this	PRON
asir-2213	241	2	is	be	AUX
asir-2213	241	3	due	due	ADJ
asir-2213	241	4	to	to	ADP
asir-2213	241	5	the	the	DET
asir-2213	241	6	fact	fact	NOUN
asir-2213	241	7	that	that	SCONJ
asir-2213	241	8	well	well	ADV
asir-2213	241	9	-	-	PUNCT
asir-2213	241	10	capitalised	capitalise	VERB
asir-2213	241	11	banks	bank	NOUN
asir-2213	241	12	face	face	VERB
asir-2213	241	13	lower	lower	ADV
asir-2213	241	14	expected	expect	VERB
asir-2213	241	15	bankruptcy	bankruptcy	NOUN
asir-2213	241	16	costs	cost	NOUN
asir-2213	241	17	,	,	PUNCT
asir-2213	241	18	and	and	CCONJ
asir-2213	241	19	since	since	SCONJ
asir-2213	241	20	equity	equity	NOUN
asir-2213	241	21	is	be	AUX
asir-2213	241	22	a	a	DET
asir-2213	241	23	relatively	relatively	ADV
asir-2213	241	24	expensive	expensive	ADJ
asir-2213	241	25	funding	funding	NOUN
asir-2213	241	26	source	source	NOUN
asir-2213	241	27	,	,	PUNCT
asir-2213	241	28	any	any	DET
asir-2213	241	29	increase	increase	NOUN
asir-2213	241	30	in	in	ADP
asir-2213	241	31	equity	equity	NOUN
asir-2213	241	32	is	be	AUX
asir-2213	241	33	likely	likely	ADJ
asir-2213	241	34	to	to	PART
asir-2213	241	35	increase	increase	VERB
asir-2213	241	36	the	the	DET
asir-2213	241	37	average	average	ADJ
asir-2213	241	38	cost	cost	NOUN
asir-2213	241	39	of	of	ADP
asir-2213	241	40	capital	capital	NOUN
asir-2213	241	41	.	.	PUNCT
asir-2213	242	1	operating	operating	NOUN
asir-2213	242	2	costs	cost	NOUN
asir-2213	242	3	(	(	PUNCT
asir-2213	242	4	opc	opc	PROPN
asir-2213	242	5	)	)	PUNCT
asir-2213	242	6	has	have	VERB
asir-2213	242	7	a	a	DET
asir-2213	242	8	positive	positive	ADJ
asir-2213	242	9	effect	effect	NOUN
asir-2213	242	10	on	on	ADP
asir-2213	242	11	nim	nim	PROPN
asir-2213	242	12	,	,	PUNCT
asir-2213	242	13	with	with	ADP
asir-2213	242	14	coefficients	coefficient	NOUN
asir-2213	242	15	ranging	range	VERB
asir-2213	242	16	between	between	ADP
asir-2213	242	17	0.536	0.536	NUM
asir-2213	242	18	and	and	CCONJ
asir-2213	242	19	1.025	1.025	NUM
asir-2213	242	20	that	that	PRON
asir-2213	242	21	are	be	AUX
asir-2213	242	22	statistically	statistically	ADV
asir-2213	242	23	significant	significant	ADJ
asir-2213	242	24	at	at	ADP
asir-2213	242	25	the	the	DET
asir-2213	242	26	1	1	NUM
asir-2213	242	27	%	%	NOUN
asir-2213	242	28	level	level	NOUN
asir-2213	242	29	in	in	ADP
asir-2213	242	30	all	all	DET
asir-2213	242	31	regressions	regression	NOUN
asir-2213	242	32	.	.	PUNCT
asir-2213	243	1	this	this	PRON
asir-2213	243	2	suggests	suggest	VERB
asir-2213	243	3	that	that	SCONJ
asir-2213	243	4	an	an	DET
asir-2213	243	5	increase	increase	NOUN
asir-2213	243	6	in	in	ADP
asir-2213	243	7	opc	opc	PROPN
asir-2213	243	8	of	of	ADP
asir-2213	243	9	1	1	NUM
asir-2213	243	10	percentage	percentage	NOUN
asir-2213	243	11	point	point	NOUN
asir-2213	243	12	impacts	impact	NOUN
asir-2213	243	13	nim	nim	X
asir-2213	243	14	by	by	ADP
asir-2213	243	15	this	this	DET
asir-2213	243	16	range	range	NOUN
asir-2213	243	17	.	.	PUNCT
asir-2213	244	1	the	the	DET
asir-2213	244	2	empirical	empirical	ADJ
asir-2213	244	3	results	result	NOUN
asir-2213	244	4	suggest	suggest	VERB
asir-2213	244	5	that	that	SCONJ
asir-2213	244	6	managerial	managerial	ADJ
asir-2213	244	7	efficiency	efficiency	NOUN
asir-2213	244	8	(	(	PUNCT
asir-2213	244	9	mgt	mgt	NOUN
asir-2213	244	10	)	)	PUNCT
asir-2213	244	11	,	,	PUNCT
asir-2213	244	12	which	which	PRON
asir-2213	244	13	has	have	VERB
asir-2213	244	14	negative	negative	ADJ
asir-2213	244	15	coefficients	coefficient	NOUN
asir-2213	244	16	that	that	PRON
asir-2213	244	17	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	VERB
asir-2213	244	18	applied	apply	VERB
asir-2213	244	19	science	science	NOUN
asir-2213	244	20	and	and	CCONJ
asir-2213	244	21	innovative	innovative	ADJ
asir-2213	244	22	research	research	NOUN
asir-2213	244	23	vol	vol	NOUN
asir-2213	244	24	.	.	PUNCT
asir-2213	245	1	3	3	NUM
asir-2213	245	2	,	,	PUNCT
asir-2213	245	3	no	no	INTJ
asir-2213	245	4	.	.	NOUN
asir-2213	245	5	3	3	NUM
asir-2213	245	6	,	,	PUNCT
asir-2213	245	7	2019	2019	NUM
asir-2213	245	8	146	146	NUM
asir-2213	245	9	published	publish	VERB
asir-2213	245	10	by	by	ADP
asir-2213	245	11	scholink	scholink	PROPN
asir-2213	245	12	inc	inc	PROPN
asir-2213	245	13	.	.	PROPN
asir-2213	245	14	are	be	AUX
asir-2213	245	15	statistically	statistically	ADV
asir-2213	245	16	significant	significant	ADJ
asir-2213	245	17	in	in	ADP
asir-2213	245	18	all	all	DET
asir-2213	245	19	regressions	regression	NOUN
asir-2213	245	20	,	,	PUNCT
asir-2213	245	21	has	have	AUX
asir-2213	245	22	declined	decline	VERB
asir-2213	245	23	,	,	PUNCT
asir-2213	245	24	manifesting	manifest	VERB
asir-2213	245	25	itself	itself	PRON
asir-2213	245	26	in	in	ADP
asir-2213	245	27	narrower	narrow	ADJ
asir-2213	245	28	interest	interest	NOUN
asir-2213	245	29	margins	margin	NOUN
asir-2213	245	30	charged	charge	VERB
asir-2213	245	31	by	by	ADP
asir-2213	245	32	banks	bank	NOUN
asir-2213	245	33	.	.	PUNCT
asir-2213	246	1	there	there	PRON
asir-2213	246	2	are	be	VERB
asir-2213	246	3	negative	negative	ADJ
asir-2213	246	4	and	and	CCONJ
asir-2213	246	5	significant	significant	ADJ
asir-2213	246	6	coefficients	coefficient	NOUN
asir-2213	246	7	on	on	ADP
asir-2213	246	8	the	the	DET
asir-2213	246	9	fee	fee	NOUN
asir-2213	246	10	income	income	NOUN
asir-2213	246	11	variable	variable	NOUN
asir-2213	246	12	(	(	PUNCT
asir-2213	246	13	fee	fee	NOUN
asir-2213	246	14	)	)	PUNCT
asir-2213	246	15	in	in	ADP
asir-2213	246	16	almost	almost	ADV
asir-2213	246	17	all	all	PRON
asir-2213	246	18	regressions	regression	NOUN
asir-2213	246	19	,	,	PUNCT
asir-2213	246	20	with	with	ADP
asir-2213	246	21	the	the	DET
asir-2213	246	22	equation	equation	NOUN
asir-2213	246	23	(	(	PUNCT
asir-2213	246	24	8)	8)	NUM
asir-2213	246	25	in	in	ADP
asir-2213	246	26	table	table	NOUN
asir-2213	246	27	3	3	NUM
asir-2213	246	28	,	,	PUNCT
asir-2213	246	29	which	which	PRON
asir-2213	246	30	shows	show	VERB
asir-2213	246	31	a	a	DET
asir-2213	246	32	positive	positive	ADJ
asir-2213	246	33	and	and	CCONJ
asir-2213	246	34	insignificant	insignificant	ADJ
asir-2213	246	35	coefficient	coefficient	NOUN
asir-2213	246	36	.	.	PUNCT
asir-2213	247	1	the	the	DET
asir-2213	247	2	negative	negative	ADJ
asir-2213	247	3	and	and	CCONJ
asir-2213	247	4	significant	significant	ADJ
asir-2213	247	5	coefficients	coefficient	NOUN
asir-2213	247	6	on	on	ADP
asir-2213	247	7	fee	fee	NOUN
asir-2213	247	8	indicate	indicate	VERB
asir-2213	247	9	that	that	SCONJ
asir-2213	247	10	the	the	DET
asir-2213	247	11	presence	presence	NOUN
asir-2213	247	12	of	of	ADP
asir-2213	247	13	non	non	ADJ
asir-2213	247	14	-	-	ADJ
asir-2213	247	15	interest	interest	ADJ
asir-2213	247	16	operating	operating	NOUN
asir-2213	247	17	income	income	NOUN
asir-2213	247	18	in	in	ADP
asir-2213	247	19	ghana	ghana	PROPN
asir-2213	247	20	depresses	depress	VERB
asir-2213	247	21	the	the	DET
asir-2213	247	22	net	net	ADJ
asir-2213	247	23	interest	interest	NOUN
asir-2213	247	24	margin	margin	NOUN
asir-2213	247	25	.	.	PUNCT
asir-2213	248	1	the	the	DET
asir-2213	248	2	magnitude	magnitude	NOUN
asir-2213	248	3	of	of	ADP
asir-2213	248	4	the	the	DET
asir-2213	248	5	coefficients	coefficient	NOUN
asir-2213	248	6	reflects	reflect	VERB
asir-2213	248	7	the	the	DET
asir-2213	248	8	heavy	heavy	ADJ
asir-2213	248	9	reliance	reliance	NOUN
asir-2213	248	10	of	of	ADP
asir-2213	248	11	the	the	DET
asir-2213	248	12	banking	banking	NOUN
asir-2213	248	13	system	system	NOUN
asir-2213	248	14	on	on	ADP
asir-2213	248	15	feeand	feeand	PROPN
asir-2213	248	16	commission	commission	NOUN
asir-2213	248	17	-	-	PUNCT
asir-2213	248	18	based	base	VERB
asir-2213	248	19	services	service	NOUN
asir-2213	248	20	as	as	ADP
asir-2213	248	21	alternative	alternative	ADJ
asir-2213	248	22	sources	source	NOUN
asir-2213	248	23	of	of	ADP
asir-2213	248	24	income	income	NOUN
asir-2213	248	25	.	.	PUNCT
asir-2213	249	1	this	this	PRON
asir-2213	249	2	implies	imply	VERB
asir-2213	249	3	that	that	SCONJ
asir-2213	249	4	the	the	DET
asir-2213	249	5	banking	banking	NOUN
asir-2213	249	6	system	system	NOUN
asir-2213	249	7	has	have	AUX
asir-2213	249	8	been	be	AUX
asir-2213	249	9	making	make	VERB
asir-2213	249	10	efforts	effort	NOUN
asir-2213	249	11	to	to	PART
asir-2213	249	12	innovate	innovate	VERB
asir-2213	249	13	new	new	ADJ
asir-2213	249	14	banking	banking	NOUN
asir-2213	249	15	products	product	NOUN
asir-2213	249	16	and	and	CCONJ
asir-2213	249	17	services	service	NOUN
asir-2213	249	18	to	to	PART
asir-2213	249	19	meet	meet	VERB
asir-2213	249	20	the	the	DET
asir-2213	249	21	needs	need	NOUN
asir-2213	249	22	of	of	ADP
asir-2213	249	23	customers	customer	NOUN
asir-2213	249	24	.	.	PUNCT
asir-2213	250	1	fees	fee	NOUN
asir-2213	250	2	and	and	CCONJ
asir-2213	250	3	commissions	commission	NOUN
asir-2213	250	4	charged	charge	VERB
asir-2213	250	5	on	on	ADP
asir-2213	250	6	the	the	DET
asir-2213	250	7	use	use	NOUN
asir-2213	250	8	of	of	ADP
asir-2213	250	9	telephone	telephone	NOUN
asir-2213	250	10	banking	banking	NOUN
asir-2213	250	11	,	,	PUNCT
asir-2213	250	12	exchange	exchange	NOUN
asir-2213	250	13	rate	rate	NOUN
asir-2213	250	14	transactions	transaction	NOUN
asir-2213	250	15	,	,	PUNCT
asir-2213	250	16	funds	fund	NOUN
asir-2213	250	17	transfer	transfer	NOUN
asir-2213	250	18	services	service	NOUN
asir-2213	250	19	and	and	CCONJ
asir-2213	250	20	a	a	DET
asir-2213	250	21	few	few	ADJ
asir-2213	250	22	other	other	ADJ
asir-2213	250	23	innovative	innovative	ADJ
asir-2213	250	24	products	product	NOUN
asir-2213	250	25	and	and	CCONJ
asir-2213	250	26	services	service	NOUN
asir-2213	250	27	have	have	AUX
asir-2213	250	28	helped	help	VERB
asir-2213	250	29	to	to	PART
asir-2213	250	30	influence	influence	VERB
asir-2213	250	31	the	the	DET
asir-2213	250	32	pricing	pricing	NOUN
asir-2213	250	33	of	of	ADP
asir-2213	250	34	loan	loan	NOUN
asir-2213	250	35	products	product	NOUN
asir-2213	250	36	,	,	PUNCT
asir-2213	250	37	thus	thus	ADV
asir-2213	250	38	yielding	yield	VERB
asir-2213	250	39	lower	low	ADJ
asir-2213	250	40	interest	interest	NOUN
asir-2213	250	41	margins	margin	NOUN
asir-2213	250	42	.	.	PUNCT
asir-2213	251	1	there	there	PRON
asir-2213	251	2	is	be	VERB
asir-2213	251	3	however	however	ADV
asir-2213	251	4	,	,	PUNCT
asir-2213	251	5	no	no	DET
asir-2213	251	6	evidence	evidence	NOUN
asir-2213	251	7	of	of	ADP
asir-2213	251	8	cross	cross	NOUN
asir-2213	251	9	-	-	NOUN
asir-2213	251	10	subsidisation	subsidisation	NOUN
asir-2213	251	11	of	of	ADP
asir-2213	251	12	activities	activity	NOUN
asir-2213	251	13	with	with	ADP
asir-2213	251	14	the	the	DET
asir-2213	251	15	different	different	ADJ
asir-2213	251	16	mixes	mix	NOUN
asir-2213	251	17	of	of	ADP
asir-2213	251	18	banking	banking	NOUN
asir-2213	251	19	products	product	NOUN
asir-2213	251	20	,	,	PUNCT
asir-2213	251	21	as	as	SCONJ
asir-2213	251	22	the	the	DET
asir-2213	251	23	supposedly	supposedly	ADV
asir-2213	251	24	developed	develop	VERB
asir-2213	251	25	fee	fee	NOUN
asir-2213	251	26	income	income	NOUN
asir-2213	251	27	structure	structure	NOUN
asir-2213	251	28	is	be	AUX
asir-2213	251	29	not	not	PART
asir-2213	251	30	clearly	clearly	ADV
asir-2213	251	31	reported	report	VERB
asir-2213	251	32	in	in	ADP
asir-2213	251	33	the	the	DET
asir-2213	251	34	profit	profit	NOUN
asir-2213	251	35	and	and	CCONJ
asir-2213	251	36	loss	loss	NOUN
asir-2213	251	37	accounts	account	NOUN
asir-2213	251	38	of	of	ADP
asir-2213	251	39	banks	bank	NOUN
asir-2213	251	40	.	.	PUNCT
asir-2213	252	1	this	this	DET
asir-2213	252	2	lack	lack	NOUN
asir-2213	252	3	of	of	ADP
asir-2213	252	4	transparency	transparency	NOUN
asir-2213	252	5	,	,	PUNCT
asir-2213	252	6	such	such	ADJ
asir-2213	252	7	that	that	SCONJ
asir-2213	252	8	banks	bank	NOUN
asir-2213	252	9	report	report	VERB
asir-2213	252	10	only	only	ADV
asir-2213	252	11	a	a	DET
asir-2213	252	12	very	very	ADV
asir-2213	252	13	limited	limited	ADJ
asir-2213	252	14	number	number	NOUN
asir-2213	252	15	of	of	ADP
asir-2213	252	16	their	their	PRON
asir-2213	252	17	non	non	ADJ
asir-2213	252	18	-	-	ADJ
asir-2213	252	19	interest	interest	ADJ
asir-2213	252	20	operating	operating	NOUN
asir-2213	252	21	income	income	NOUN
asir-2213	252	22	sources	source	NOUN
asir-2213	252	23	,	,	PUNCT
asir-2213	252	24	allows	allow	VERB
asir-2213	252	25	the	the	DET
asir-2213	252	26	banks	bank	NOUN
asir-2213	252	27	to	to	PART
asir-2213	252	28	be	be	AUX
asir-2213	252	29	shielded	shield	VERB
asir-2213	252	30	from	from	ADP
asir-2213	252	31	competition	competition	NOUN
asir-2213	252	32	.	.	PUNCT
asir-2213	253	1	the	the	DET
asir-2213	253	2	credit	credit	NOUN
asir-2213	253	3	risk	risk	NOUN
asir-2213	253	4	variable	variable	NOUN
asir-2213	253	5	(	(	PUNCT
asir-2213	253	6	cred	cred	ADJ
asir-2213	253	7	)	)	PUNCT
asir-2213	253	8	enters	enter	VERB
asir-2213	253	9	with	with	ADP
asir-2213	253	10	negative	negative	ADJ
asir-2213	253	11	and	and	CCONJ
asir-2213	253	12	insignificant	insignificant	ADJ
asir-2213	253	13	coefficients	coefficient	NOUN
asir-2213	253	14	in	in	ADP
asir-2213	253	15	most	most	ADJ
asir-2213	253	16	of	of	ADP
asir-2213	253	17	the	the	DET
asir-2213	253	18	regressions	regression	NOUN
asir-2213	253	19	.	.	PUNCT
asir-2213	254	1	this	this	DET
asir-2213	254	2	pattern	pattern	NOUN
asir-2213	254	3	is	be	AUX
asir-2213	254	4	surprising	surprising	ADJ
asir-2213	254	5	,	,	PUNCT
asir-2213	254	6	as	as	ADP
asir-2213	254	7	a	a	DET
asir-2213	254	8	positive	positive	ADJ
asir-2213	254	9	impact	impact	NOUN
asir-2213	254	10	on	on	ADP
asir-2213	254	11	nim	nim	PROPN
asir-2213	254	12	would	would	AUX
asir-2213	254	13	reflect	reflect	VERB
asir-2213	254	14	the	the	DET
asir-2213	254	15	expected	expect	VERB
asir-2213	254	16	tendency	tendency	NOUN
asir-2213	254	17	for	for	SCONJ
asir-2213	254	18	banks	bank	NOUN
asir-2213	254	19	to	to	PART
asir-2213	254	20	charge	charge	VERB
asir-2213	254	21	wider	wide	ADJ
asir-2213	254	22	margins	margin	NOUN
asir-2213	254	23	to	to	PART
asir-2213	254	24	compensate	compensate	VERB
asir-2213	254	25	for	for	ADP
asir-2213	254	26	non	non	ADJ
asir-2213	254	27	-	-	ADJ
asir-2213	254	28	performing	performing	ADJ
asir-2213	254	29	loans	loan	NOUN
asir-2213	254	30	on	on	ADP
asir-2213	254	31	their	their	PRON
asir-2213	254	32	portfolios	portfolio	NOUN
asir-2213	254	33	.	.	PUNCT
asir-2213	255	1	the	the	DET
asir-2213	255	2	cred	cred	ADJ
asir-2213	255	3	variable	variable	NOUN
asir-2213	255	4	is	be	AUX
asir-2213	255	5	only	only	ADV
asir-2213	255	6	statistically	statistically	ADV
asir-2213	255	7	significant	significant	ADJ
asir-2213	255	8	and	and	CCONJ
asir-2213	255	9	has	have	VERB
asir-2213	255	10	the	the	DET
asir-2213	255	11	expected	expect	VERB
asir-2213	255	12	positive	positive	ADJ
asir-2213	255	13	sign	sign	NOUN
asir-2213	255	14	when	when	SCONJ
asir-2213	255	15	controlling	control	VERB
asir-2213	255	16	for	for	ADP
asir-2213	255	17	its	its	PRON
asir-2213	255	18	interaction	interaction	NOUN
asir-2213	255	19	with	with	ADP
asir-2213	255	20	the	the	DET
asir-2213	255	21	financial	financial	ADJ
asir-2213	255	22	freedom	freedom	NOUN
asir-2213	255	23	variable	variable	NOUN
asir-2213	255	24	(	(	PUNCT
asir-2213	255	25	refm	refm	PROPN
asir-2213	255	26	)	)	PUNCT
asir-2213	255	27	in	in	ADP
asir-2213	255	28	equations	equation	NOUN
asir-2213	255	29	(	(	PUNCT
asir-2213	255	30	9	9	NUM
asir-2213	255	31	)	)	PUNCT
asir-2213	255	32	and	and	CCONJ
asir-2213	255	33	(	(	PUNCT
asir-2213	255	34	14	14	NUM
asir-2213	255	35	)	)	PUNCT
asir-2213	255	36	in	in	ADP
asir-2213	255	37	tables	table	NOUN
asir-2213	255	38	3	3	NUM
asir-2213	255	39	and	and	CCONJ
asir-2213	255	40	4	4	NUM
asir-2213	255	41	.	.	PUNCT
asir-2213	256	1	this	this	PRON
asir-2213	256	2	may	may	AUX
asir-2213	256	3	reflect	reflect	VERB
asir-2213	256	4	improved	improved	ADJ
asir-2213	256	5	reporting	reporting	NOUN
asir-2213	256	6	of	of	ADP
asir-2213	256	7	non	non	ADJ
asir-2213	256	8	-	-	ADJ
asir-2213	256	9	performing	performing	ADJ
asir-2213	256	10	loans	loan	NOUN
asir-2213	256	11	since	since	SCONJ
asir-2213	256	12	the	the	DET
asir-2213	256	13	financial	financial	ADJ
asir-2213	256	14	sector	sector	NOUN
asir-2213	256	15	reforms	reform	NOUN
asir-2213	256	16	were	be	AUX
asir-2213	256	17	introduced	introduce	VERB
asir-2213	256	18	.	.	PUNCT
asir-2213	257	1	this	this	PRON
asir-2213	257	2	may	may	AUX
asir-2213	257	3	have	have	AUX
asir-2213	257	4	increased	increase	VERB
asir-2213	257	5	the	the	DET
asir-2213	257	6	cost	cost	NOUN
asir-2213	257	7	of	of	ADP
asir-2213	257	8	intermediation	intermediation	NOUN
asir-2213	257	9	,	,	PUNCT
asir-2213	257	10	reflecting	reflect	VERB
asir-2213	257	11	an	an	DET
asir-2213	257	12	impact	impact	NOUN
asir-2213	257	13	on	on	ADP
asir-2213	257	14	nim	nim	PROPN
asir-2213	257	15	,	,	PUNCT
asir-2213	257	16	because	because	SCONJ
asir-2213	257	17	the	the	DET
asir-2213	257	18	interaction	interaction	NOUN
asir-2213	257	19	term	term	NOUN
asir-2213	257	20	(	(	PUNCT
asir-2213	257	21	cred*refm	cred*refm	NOUN
asir-2213	257	22	)	)	PUNCT
asir-2213	257	23	induces	induce	VERB
asir-2213	257	24	changes	change	NOUN
asir-2213	257	25	in	in	ADP
asir-2213	257	26	the	the	DET
asir-2213	257	27	credit	credit	NOUN
asir-2213	257	28	risk	risk	NOUN
asir-2213	257	29	variable	variable	NOUN
asir-2213	257	30	(	(	PUNCT
asir-2213	257	31	cred	cre	VERB
asir-2213	257	32	)	)	PUNCT
asir-2213	257	33	due	due	ADP
asir-2213	257	34	to	to	ADP
asir-2213	257	35	the	the	DET
asir-2213	257	36	reforms	reform	NOUN
asir-2213	257	37	.	.	PUNCT
asir-2213	258	1	ever	ever	ADV
asir-2213	258	2	since	since	SCONJ
asir-2213	258	3	bank	bank	PROPN
asir-2213	258	4	of	of	ADP
asir-2213	258	5	ghana	ghana	PROPN
asir-2213	258	6	prepared	prepare	VERB
asir-2213	258	7	a	a	DET
asir-2213	258	8	standardised	standardised	ADJ
asir-2213	258	9	accounting	accounting	NOUN
asir-2213	258	10	manual	manual	NOUN
asir-2213	258	11	aimed	aim	VERB
asir-2213	258	12	at	at	ADP
asir-2213	258	13	conforming	conform	VERB
asir-2213	258	14	to	to	ADP
asir-2213	258	15	international	international	ADJ
asir-2213	258	16	accounting	accounting	NOUN
asir-2213	258	17	standards	standard	NOUN
asir-2213	258	18	,	,	PUNCT
asir-2213	258	19	banks	bank	NOUN
asir-2213	258	20	have	have	AUX
asir-2213	258	21	been	be	AUX
asir-2213	258	22	able	able	ADJ
asir-2213	258	23	to	to	PART
asir-2213	258	24	recognise	recognise	VERB
asir-2213	258	25	loan	loan	NOUN
asir-2213	258	26	losses	loss	NOUN
asir-2213	258	27	early	early	ADV
asir-2213	258	28	through	through	ADP
asir-2213	258	29	a	a	DET
asir-2213	258	30	standard	standard	ADJ
asir-2213	258	31	system	system	NOUN
asir-2213	258	32	of	of	ADP
asir-2213	258	33	loan	loan	NOUN
asir-2213	258	34	classification	classification	NOUN
asir-2213	258	35	and	and	CCONJ
asir-2213	258	36	provisioning	provisioning	NOUN
asir-2213	258	37	.	.	PUNCT
asir-2213	259	1	the	the	DET
asir-2213	259	2	loan	loan	NOUN
asir-2213	259	3	concentration	concentration	NOUN
asir-2213	259	4	variable	variable	NOUN
asir-2213	259	5	(	(	PUNCT
asir-2213	259	6	herf	herf	NOUN
asir-2213	259	7	)	)	PUNCT
asir-2213	259	8	,	,	PUNCT
asir-2213	259	9	measured	measure	VERB
asir-2213	259	10	by	by	ADP
asir-2213	259	11	the	the	DET
asir-2213	259	12	herfindahl	herfindahl	PROPN
asir-2213	259	13	index	index	NOUN
asir-2213	259	14	,	,	PUNCT
asir-2213	259	15	though	though	SCONJ
asir-2213	259	16	variable	variable	ADJ
asir-2213	259	17	in	in	ADP
asir-2213	259	18	terms	term	NOUN
asir-2213	259	19	of	of	ADP
asir-2213	259	20	statistical	statistical	ADJ
asir-2213	259	21	significance	significance	NOUN
asir-2213	259	22	due	due	ADP
asir-2213	259	23	to	to	ADP
asir-2213	259	24	the	the	DET
asir-2213	259	25	effects	effect	NOUN
asir-2213	259	26	of	of	ADP
asir-2213	259	27	the	the	DET
asir-2213	259	28	macroeconomic	macroeconomic	ADJ
asir-2213	259	29	environment	environment	NOUN
asir-2213	259	30	measures	measure	NOUN
asir-2213	259	31	,	,	PUNCT
asir-2213	259	32	has	have	VERB
asir-2213	259	33	the	the	DET
asir-2213	259	34	expected	expect	VERB
asir-2213	259	35	positive	positive	ADJ
asir-2213	259	36	signs	sign	NOUN
asir-2213	259	37	in	in	ADP
asir-2213	259	38	all	all	DET
asir-2213	259	39	regressions	regression	NOUN
asir-2213	259	40	and	and	CCONJ
asir-2213	259	41	is	be	AUX
asir-2213	259	42	statistically	statistically	ADV
asir-2213	259	43	significant	significant	ADJ
asir-2213	259	44	in	in	ADP
asir-2213	259	45	most	most	ADJ
asir-2213	259	46	of	of	ADP
asir-2213	259	47	them	they	PRON
asir-2213	259	48	.	.	PUNCT
asir-2213	260	1	an	an	DET
asir-2213	260	2	uncompetitive	uncompetitive	ADJ
asir-2213	260	3	market	market	NOUN
asir-2213	260	4	structure	structure	NOUN
asir-2213	260	5	has	have	VERB
asir-2213	260	6	the	the	DET
asir-2213	260	7	tendency	tendency	NOUN
asir-2213	260	8	to	to	PART
asir-2213	260	9	widen	widen	VERB
asir-2213	260	10	interest	interest	NOUN
asir-2213	260	11	rate	rate	NOUN
asir-2213	260	12	margins	margin	NOUN
asir-2213	260	13	.	.	PUNCT
asir-2213	261	1	the	the	DET
asir-2213	261	2	uncompetitiveness	uncompetitiveness	NOUN
asir-2213	261	3	of	of	ADP
asir-2213	261	4	the	the	DET
asir-2213	261	5	ghanaian	ghanaian	ADJ
asir-2213	261	6	banking	banking	NOUN
asir-2213	261	7	market	market	NOUN
asir-2213	261	8	stems	stem	VERB
asir-2213	261	9	from	from	ADP
asir-2213	261	10	the	the	DET
asir-2213	261	11	fact	fact	NOUN
asir-2213	261	12	that	that	SCONJ
asir-2213	261	13	since	since	SCONJ
asir-2213	261	14	banks	bank	NOUN
asir-2213	261	15	rely	rely	VERB
asir-2213	261	16	and	and	CCONJ
asir-2213	261	17	invest	invest	VERB
asir-2213	261	18	heavily	heavily	ADV
asir-2213	261	19	in	in	ADP
asir-2213	261	20	low	low	ADJ
asir-2213	261	21	-	-	PUNCT
asir-2213	261	22	risk	risk	NOUN
asir-2213	261	23	and	and	CCONJ
asir-2213	261	24	high	high	ADV
asir-2213	261	25	-	-	PUNCT
asir-2213	261	26	yielding	yield	VERB
asir-2213	261	27	assets	asset	NOUN
asir-2213	261	28	such	such	ADJ
asir-2213	261	29	as	as	ADP
asir-2213	261	30	government	government	NOUN
asir-2213	261	31	securities	security	NOUN
asir-2213	261	32	,	,	PUNCT
asir-2213	261	33	they	they	PRON
asir-2213	261	34	are	be	AUX
asir-2213	261	35	less	less	ADV
asir-2213	261	36	likely	likely	ADJ
asir-2213	261	37	to	to	PART
asir-2213	261	38	identify	identify	VERB
asir-2213	261	39	the	the	DET
asir-2213	261	40	lending	lending	NOUN
asir-2213	261	41	opportunities	opportunity	NOUN
asir-2213	261	42	necessary	necessary	ADJ
asir-2213	261	43	to	to	PART
asir-2213	261	44	expand	expand	VERB
asir-2213	261	45	their	their	PRON
asir-2213	261	46	customer	customer	NOUN
asir-2213	261	47	base	base	NOUN
asir-2213	261	48	.	.	PUNCT
asir-2213	262	1	this	this	DET
asir-2213	262	2	behaviour	behaviour	NOUN
asir-2213	262	3	has	have	AUX
asir-2213	262	4	tended	tend	VERB
asir-2213	262	5	to	to	PART
asir-2213	262	6	limit	limit	VERB
asir-2213	262	7	the	the	DET
asir-2213	262	8	efficiency	efficiency	NOUN
asir-2213	262	9	gains	gain	NOUN
asir-2213	262	10	of	of	ADP
asir-2213	262	11	the	the	DET
asir-2213	262	12	banking	banking	NOUN
asir-2213	262	13	system	system	NOUN
asir-2213	262	14	.	.	PUNCT
asir-2213	263	1	4.2	4.2	NUM
asir-2213	263	2	macroeconomic	macroeconomic	ADJ
asir-2213	263	3	effects	effect	NOUN
asir-2213	263	4	as	as	ADP
asir-2213	263	5	an	an	DET
asir-2213	263	6	instrument	instrument	NOUN
asir-2213	263	7	of	of	ADP
asir-2213	263	8	monetary	monetary	ADJ
asir-2213	263	9	policy	policy	NOUN
asir-2213	263	10	,	,	PUNCT
asir-2213	263	11	the	the	DET
asir-2213	263	12	discount	discount	NOUN
asir-2213	263	13	rate	rate	NOUN
asir-2213	263	14	variable	variable	NOUN
asir-2213	263	15	(	(	PUNCT
asir-2213	263	16	disc	disc	PROPN
asir-2213	263	17	)	)	PUNCT
asir-2213	263	18	has	have	VERB
asir-2213	263	19	the	the	DET
asir-2213	263	20	expected	expect	VERB
asir-2213	263	21	positive	positive	ADJ
asir-2213	263	22	and	and	CCONJ
asir-2213	263	23	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	263	24	applied	apply	VERB
asir-2213	263	25	science	science	NOUN
asir-2213	263	26	and	and	CCONJ
asir-2213	263	27	innovative	innovative	ADJ
asir-2213	263	28	research	research	NOUN
asir-2213	263	29	vol	vol	NOUN
asir-2213	263	30	.	.	PUNCT
asir-2213	264	1	3	3	NUM
asir-2213	264	2	,	,	PUNCT
asir-2213	264	3	no	no	INTJ
asir-2213	264	4	.	.	NOUN
asir-2213	264	5	3	3	NUM
asir-2213	264	6	,	,	PUNCT
asir-2213	264	7	2019	2019	NUM
asir-2213	264	8	147	147	NUM
asir-2213	264	9	published	publish	VERB
asir-2213	264	10	by	by	ADP
asir-2213	264	11	scholink	scholink	PROPN
asir-2213	264	12	inc	inc	PROPN
asir-2213	264	13	.	.	PROPN
asir-2213	264	14	statistically	statistically	ADV
asir-2213	264	15	significant	significant	ADJ
asir-2213	264	16	effect	effect	NOUN
asir-2213	264	17	on	on	ADP
asir-2213	264	18	net	net	ADJ
asir-2213	264	19	interest	interest	NOUN
asir-2213	264	20	margin	margin	NOUN
asir-2213	264	21	(	(	PUNCT
asir-2213	264	22	nim	nim	NOUN
asir-2213	264	23	)	)	PUNCT
asir-2213	264	24	.	.	PUNCT
asir-2213	265	1	this	this	PRON
asir-2213	265	2	is	be	AUX
asir-2213	265	3	consistent	consistent	ADJ
asir-2213	265	4	with	with	ADP
asir-2213	265	5	theory	theory	NOUN
asir-2213	265	6	stressing	stress	VERB
asir-2213	265	7	the	the	DET
asir-2213	265	8	need	need	NOUN
asir-2213	265	9	to	to	PART
asir-2213	265	10	charge	charge	VERB
asir-2213	265	11	higher	high	ADJ
asir-2213	265	12	margins	margin	NOUN
asir-2213	265	13	to	to	PART
asir-2213	265	14	reflect	reflect	VERB
asir-2213	265	15	the	the	DET
asir-2213	265	16	additional	additional	ADJ
asir-2213	265	17	costs	cost	NOUN
asir-2213	265	18	of	of	ADP
asir-2213	265	19	borrowing	borrowing	NOUN
asir-2213	265	20	by	by	ADP
asir-2213	265	21	banks	bank	NOUN
asir-2213	265	22	.	.	PUNCT
asir-2213	266	1	considering	consider	VERB
asir-2213	266	2	the	the	DET
asir-2213	266	3	fact	fact	NOUN
asir-2213	266	4	that	that	SCONJ
asir-2213	266	5	the	the	DET
asir-2213	266	6	discount	discount	NOUN
asir-2213	266	7	rate	rate	NOUN
asir-2213	266	8	has	have	AUX
asir-2213	266	9	considerably	considerably	ADV
asir-2213	266	10	fallen	fall	VERB
asir-2213	266	11	over	over	ADP
asir-2213	266	12	the	the	DET
asir-2213	266	13	study	study	NOUN
asir-2213	266	14	period	period	NOUN
asir-2213	266	15	,	,	PUNCT
asir-2213	266	16	its	its	PRON
asir-2213	266	17	economic	economic	ADJ
asir-2213	266	18	effect	effect	NOUN
asir-2213	266	19	on	on	ADP
asir-2213	266	20	nim	nim	PROPN
asir-2213	266	21	is	be	AUX
asir-2213	266	22	modest	modest	ADJ
asir-2213	266	23	,	,	PUNCT
asir-2213	266	24	with	with	ADP
asir-2213	266	25	coefficients	coefficient	NOUN
asir-2213	266	26	ranging	range	VERB
asir-2213	266	27	between	between	ADP
asir-2213	266	28	0.000	0.000	NUM
asir-2213	266	29	and	and	CCONJ
asir-2213	266	30	0.001	0.001	NUM
asir-2213	266	31	in	in	ADP
asir-2213	266	32	the	the	DET
asir-2213	266	33	estimations	estimation	NOUN
asir-2213	266	34	.	.	PUNCT
asir-2213	267	1	this	this	PRON
asir-2213	267	2	suggests	suggest	VERB
asir-2213	267	3	that	that	SCONJ
asir-2213	267	4	an	an	DET
asir-2213	267	5	increase	increase	NOUN
asir-2213	267	6	in	in	ADP
asir-2213	267	7	disc	disc	NOUN
asir-2213	267	8	of	of	ADP
asir-2213	267	9	1	1	NUM
asir-2213	267	10	percentage	percentage	NOUN
asir-2213	267	11	point	point	NOUN
asir-2213	267	12	impacts	impact	NOUN
asir-2213	267	13	nim	nim	X
asir-2213	267	14	by	by	ADP
asir-2213	267	15	this	this	DET
asir-2213	267	16	range	range	NOUN
asir-2213	267	17	.	.	PUNCT
asir-2213	268	1	4.3	4.3	NUM
asir-2213	268	2	the	the	DET
asir-2213	268	3	effects	effect	NOUN
asir-2213	268	4	of	of	ADP
asir-2213	268	5	the	the	DET
asir-2213	268	6	regulatory	regulatory	ADJ
asir-2213	268	7	environment	environment	NOUN
asir-2213	268	8	the	the	DET
asir-2213	268	9	reserve	reserve	PROPN
asir-2213	268	10	requirements	requirement	NOUN
asir-2213	268	11	variable	variable	NOUN
asir-2213	268	12	(	(	PUNCT
asir-2213	268	13	res	re	NOUN
asir-2213	268	14	)	)	PUNCT
asir-2213	268	15	,	,	PUNCT
asir-2213	268	16	which	which	PRON
asir-2213	268	17	is	be	AUX
asir-2213	268	18	also	also	ADV
asir-2213	268	19	an	an	DET
asir-2213	268	20	important	important	ADJ
asir-2213	268	21	monetary	monetary	ADJ
asir-2213	268	22	policy	policy	NOUN
asir-2213	268	23	instrument	instrument	NOUN
asir-2213	268	24	,	,	PUNCT
asir-2213	268	25	has	have	VERB
asir-2213	268	26	a	a	DET
asir-2213	268	27	negative	negative	ADJ
asir-2213	268	28	and	and	CCONJ
asir-2213	268	29	a	a	DET
asir-2213	268	30	statistically	statistically	ADV
asir-2213	268	31	significant	significant	ADJ
asir-2213	268	32	coefficient	coefficient	NOUN
asir-2213	268	33	at	at	ADP
asir-2213	268	34	the	the	DET
asir-2213	268	35	1	1	NUM
asir-2213	268	36	%	%	NOUN
asir-2213	268	37	level	level	NOUN
asir-2213	268	38	.	.	PUNCT
asir-2213	269	1	though	though	SCONJ
asir-2213	269	2	banks	bank	NOUN
asir-2213	269	3	have	have	AUX
asir-2213	269	4	usually	usually	ADV
asir-2213	269	5	exceeded	exceed	VERB
asir-2213	269	6	these	these	DET
asir-2213	269	7	requirements	requirement	NOUN
asir-2213	269	8	,	,	PUNCT
asir-2213	269	9	there	there	PRON
asir-2213	269	10	have	have	AUX
asir-2213	269	11	been	be	AUX
asir-2213	269	12	fluctuations	fluctuation	NOUN
asir-2213	269	13	due	due	ADJ
asir-2213	269	14	to	to	ADP
asir-2213	269	15	difficulties	difficulty	NOUN
asir-2213	269	16	in	in	ADP
asir-2213	269	17	complying	comply	VERB
asir-2213	269	18	with	with	ADP
asir-2213	269	19	new	new	ADJ
asir-2213	269	20	monetary	monetary	ADJ
asir-2213	269	21	policy	policy	NOUN
asir-2213	269	22	for	for	ADP
asir-2213	269	23	banks	bank	NOUN
asir-2213	269	24	with	with	ADP
asir-2213	269	25	large	large	ADJ
asir-2213	269	26	foreign	foreign	ADJ
asir-2213	269	27	currency	currency	NOUN
asir-2213	269	28	deposits	deposit	NOUN
asir-2213	269	29	and	and	CCONJ
asir-2213	269	30	those	those	PRON
asir-2213	269	31	with	with	ADP
asir-2213	269	32	liquidity	liquidity	NOUN
asir-2213	269	33	problems	problem	NOUN
asir-2213	269	34	.	.	PUNCT
asir-2213	270	1	by	by	ADP
asir-2213	270	2	investigating	investigate	VERB
asir-2213	270	3	how	how	SCONJ
asir-2213	270	4	financial	financial	ADJ
asir-2213	270	5	sector	sector	NOUN
asir-2213	270	6	reforms	reform	NOUN
asir-2213	270	7	have	have	AUX
asir-2213	270	8	affected	affect	VERB
asir-2213	270	9	the	the	DET
asir-2213	270	10	behaviour	behaviour	NOUN
asir-2213	270	11	of	of	ADP
asir-2213	270	12	the	the	DET
asir-2213	270	13	bank	bank	NOUN
asir-2213	270	14	interest	interest	NOUN
asir-2213	270	15	margin	margin	NOUN
asir-2213	270	16	in	in	ADP
asir-2213	270	17	ghana	ghana	PROPN
asir-2213	270	18	,	,	PUNCT
asir-2213	270	19	the	the	DET
asir-2213	270	20	financial	financial	ADJ
asir-2213	270	21	freedom	freedom	NOUN
asir-2213	270	22	variable	variable	NOUN
asir-2213	270	23	(	(	PUNCT
asir-2213	270	24	refm	refm	NOUN
asir-2213	270	25	)	)	PUNCT
asir-2213	270	26	is	be	AUX
asir-2213	270	27	first	first	ADV
asir-2213	270	28	introduced	introduce	VERB
asir-2213	270	29	directly	directly	ADV
asir-2213	270	30	into	into	ADP
asir-2213	270	31	the	the	DET
asir-2213	270	32	estimations	estimation	NOUN
asir-2213	270	33	.	.	PUNCT
asir-2213	271	1	regressions	regression	NOUN
asir-2213	271	2	(	(	PUNCT
asir-2213	271	3	3	3	NUM
asir-2213	271	4	)	)	PUNCT
asir-2213	271	5	and	and	CCONJ
asir-2213	271	6	(	(	PUNCT
asir-2213	271	7	4	4	X
asir-2213	271	8	)	)	PUNCT
asir-2213	271	9	in	in	ADP
asir-2213	271	10	table	table	NOUN
asir-2213	271	11	2	2	NUM
asir-2213	271	12	suggest	suggest	VERB
asir-2213	271	13	that	that	SCONJ
asir-2213	271	14	the	the	DET
asir-2213	271	15	financial	financial	ADJ
asir-2213	271	16	freedom	freedom	NOUN
asir-2213	271	17	variable	variable	NOUN
asir-2213	271	18	(	(	PUNCT
asir-2213	271	19	refm	refm	NOUN
asir-2213	271	20	)	)	PUNCT
asir-2213	271	21	has	have	VERB
asir-2213	271	22	negative	negative	ADJ
asir-2213	271	23	coefficients	coefficient	NOUN
asir-2213	271	24	of	of	ADP
asir-2213	271	25	0.011	0.011	NUM
asir-2213	271	26	and	and	CCONJ
asir-2213	271	27	0.017	0.017	NUM
asir-2213	271	28	that	that	PRON
asir-2213	271	29	are	be	AUX
asir-2213	271	30	significant	significant	ADJ
asir-2213	271	31	at	at	ADP
asir-2213	271	32	the	the	DET
asir-2213	271	33	5	5	NUM
asir-2213	271	34	%	%	NOUN
asir-2213	271	35	and	and	CCONJ
asir-2213	271	36	1	1	NUM
asir-2213	271	37	%	%	NOUN
asir-2213	271	38	levels	level	NOUN
asir-2213	271	39	,	,	PUNCT
asir-2213	271	40	respectively	respectively	ADV
asir-2213	271	41	.	.	PUNCT
asir-2213	272	1	this	this	PRON
asir-2213	272	2	indicates	indicate	VERB
asir-2213	272	3	a	a	DET
asir-2213	272	4	1	1	NUM
asir-2213	272	5	-	-	SYM
asir-2213	272	6	2	2	NUM
asir-2213	272	7	%	%	NOUN
asir-2213	272	8	downward	downward	ADJ
asir-2213	272	9	effect	effect	NOUN
asir-2213	272	10	of	of	ADP
asir-2213	272	11	the	the	DET
asir-2213	272	12	refm	refm	NOUN
asir-2213	272	13	variable	variable	NOUN
asir-2213	272	14	on	on	ADP
asir-2213	272	15	the	the	DET
asir-2213	272	16	net	net	ADJ
asir-2213	272	17	interest	interest	NOUN
asir-2213	272	18	margin	margin	NOUN
asir-2213	272	19	(	(	PUNCT
asir-2213	272	20	nim	nim	NOUN
asir-2213	272	21	)	)	PUNCT
asir-2213	272	22	.	.	PUNCT
asir-2213	273	1	to	to	PART
asir-2213	273	2	examine	examine	VERB
asir-2213	273	3	how	how	SCONJ
asir-2213	273	4	the	the	DET
asir-2213	273	5	reforms	reform	NOUN
asir-2213	273	6	affect	affect	VERB
asir-2213	273	7	the	the	DET
asir-2213	273	8	impact	impact	NOUN
asir-2213	273	9	of	of	ADP
asir-2213	273	10	different	different	ADJ
asir-2213	273	11	factors	factor	NOUN
asir-2213	273	12	on	on	ADP
asir-2213	273	13	net	net	ADJ
asir-2213	273	14	interest	interest	NOUN
asir-2213	273	15	margin	margin	NOUN
asir-2213	273	16	(	(	PUNCT
asir-2213	273	17	nim	nim	PROPN
asir-2213	273	18	)	)	PUNCT
asir-2213	273	19	,	,	PUNCT
asir-2213	273	20	the	the	DET
asir-2213	273	21	refm	refm	NOUN
asir-2213	273	22	variable	variable	NOUN
asir-2213	273	23	is	be	AUX
asir-2213	273	24	also	also	ADV
asir-2213	273	25	allowed	allow	VERB
asir-2213	273	26	to	to	PART
asir-2213	273	27	interact	interact	VERB
asir-2213	273	28	with	with	ADP
asir-2213	273	29	the	the	DET
asir-2213	273	30	bank	bank	NOUN
asir-2213	273	31	-	-	PUNCT
asir-2213	273	32	specific	specific	ADJ
asir-2213	273	33	indicators	indicator	NOUN
asir-2213	273	34	.	.	PUNCT
asir-2213	274	1	tables	table	NOUN
asir-2213	274	2	3	3	NUM
asir-2213	274	3	and	and	CCONJ
asir-2213	274	4	4	4	NUM
asir-2213	274	5	show	show	VERB
asir-2213	274	6	that	that	SCONJ
asir-2213	274	7	all	all	DET
asir-2213	274	8	interaction	interaction	NOUN
asir-2213	274	9	terms	term	NOUN
asir-2213	274	10	are	be	AUX
asir-2213	274	11	statistically	statistically	ADV
asir-2213	274	12	significant	significant	ADJ
asir-2213	274	13	,	,	PUNCT
asir-2213	274	14	with	with	ADP
asir-2213	274	15	negative	negative	ADJ
asir-2213	274	16	coefficients	coefficient	NOUN
asir-2213	274	17	in	in	ADP
asir-2213	274	18	all	all	DET
asir-2213	274	19	equations	equation	NOUN
asir-2213	274	20	.	.	PUNCT
asir-2213	275	1	this	this	PRON
asir-2213	275	2	suggests	suggest	VERB
asir-2213	275	3	that	that	SCONJ
asir-2213	275	4	financial	financial	ADJ
asir-2213	275	5	sector	sector	NOUN
asir-2213	275	6	reforms	reform	NOUN
asir-2213	275	7	have	have	AUX
asir-2213	275	8	had	have	VERB
asir-2213	275	9	a	a	DET
asir-2213	275	10	downward	downward	ADJ
asir-2213	275	11	effect	effect	NOUN
asir-2213	275	12	on	on	ADP
asir-2213	275	13	the	the	DET
asir-2213	275	14	sensitivity	sensitivity	NOUN
asir-2213	275	15	of	of	ADP
asir-2213	275	16	the	the	DET
asir-2213	275	17	net	net	ADJ
asir-2213	275	18	interest	interest	NOUN
asir-2213	275	19	margin	margin	NOUN
asir-2213	275	20	(	(	PUNCT
asir-2213	275	21	nim	nim	NOUN
asir-2213	275	22	)	)	PUNCT
asir-2213	275	23	with	with	ADP
asir-2213	275	24	respect	respect	NOUN
asir-2213	275	25	to	to	ADP
asir-2213	275	26	each	each	PRON
asir-2213	275	27	of	of	ADP
asir-2213	275	28	the	the	DET
asir-2213	275	29	bank	bank	NOUN
asir-2213	275	30	-	-	PUNCT
asir-2213	275	31	specific	specific	ADJ
asir-2213	275	32	variables	variable	NOUN
asir-2213	275	33	.	.	PUNCT
asir-2213	276	1	the	the	DET
asir-2213	276	2	downward	downward	ADJ
asir-2213	276	3	effect	effect	NOUN
asir-2213	276	4	of	of	ADP
asir-2213	276	5	the	the	DET
asir-2213	276	6	refm	refm	NOUN
asir-2213	276	7	interaction	interaction	NOUN
asir-2213	276	8	with	with	ADP
asir-2213	276	9	the	the	DET
asir-2213	276	10	degree	degree	NOUN
asir-2213	276	11	of	of	ADP
asir-2213	276	12	risk	risk	NOUN
asir-2213	276	13	aversion	aversion	NOUN
asir-2213	276	14	(	(	PUNCT
asir-2213	276	15	risk	risk	NOUN
asir-2213	276	16	)	)	PUNCT
asir-2213	276	17	and	and	CCONJ
asir-2213	276	18	credit	credit	NOUN
asir-2213	276	19	risk	risk	NOUN
asir-2213	276	20	(	(	PUNCT
asir-2213	276	21	cred	cred	ADJ
asir-2213	276	22	)	)	PUNCT
asir-2213	276	23	variables	variable	NOUN
asir-2213	276	24	indicates	indicate	VERB
asir-2213	276	25	the	the	DET
asir-2213	276	26	extent	extent	NOUN
asir-2213	276	27	to	to	PART
asir-2213	276	28	which	which	PRON
asir-2213	276	29	changes	change	NOUN
asir-2213	276	30	in	in	ADP
asir-2213	276	31	prudential	prudential	ADJ
asir-2213	276	32	regulation	regulation	NOUN
asir-2213	276	33	and	and	CCONJ
asir-2213	276	34	supervision	supervision	NOUN
asir-2213	276	35	have	have	AUX
asir-2213	276	36	helped	help	VERB
asir-2213	276	37	to	to	PART
asir-2213	276	38	strengthen	strengthen	VERB
asir-2213	276	39	banks	bank	NOUN
asir-2213	276	40	’	'	PUNCT
asir-2213	276	41	capital	capital	NOUN
asir-2213	276	42	adequacy	adequacy	NOUN
asir-2213	276	43	position	position	NOUN
asir-2213	276	44	and	and	CCONJ
asir-2213	276	45	the	the	DET
asir-2213	276	46	quality	quality	NOUN
asir-2213	276	47	of	of	ADP
asir-2213	276	48	their	their	PRON
asir-2213	276	49	loans	loan	NOUN
asir-2213	276	50	portfolios	portfolio	NOUN
asir-2213	276	51	,	,	PUNCT
asir-2213	276	52	respectively	respectively	ADV
asir-2213	276	53	.	.	PUNCT
asir-2213	277	1	the	the	DET
asir-2213	277	2	interaction	interaction	NOUN
asir-2213	277	3	term	term	NOUN
asir-2213	277	4	with	with	ADP
asir-2213	277	5	the	the	DET
asir-2213	277	6	operating	operating	NOUN
asir-2213	277	7	costs	cost	NOUN
asir-2213	277	8	(	(	PUNCT
asir-2213	277	9	opc	opc	NOUN
asir-2213	277	10	)	)	PUNCT
asir-2213	277	11	variable	variable	NOUN
asir-2213	277	12	indicates	indicate	VERB
asir-2213	277	13	that	that	SCONJ
asir-2213	277	14	the	the	DET
asir-2213	277	15	sensitivity	sensitivity	NOUN
asir-2213	277	16	of	of	ADP
asir-2213	277	17	the	the	DET
asir-2213	277	18	net	net	ADJ
asir-2213	277	19	interest	interest	NOUN
asir-2213	277	20	margin	margin	NOUN
asir-2213	277	21	(	(	PUNCT
asir-2213	277	22	nim	nim	NOUN
asir-2213	277	23	)	)	PUNCT
asir-2213	277	24	to	to	ADP
asir-2213	277	25	banks	bank	NOUN
asir-2213	277	26	’	'	PUNCT
asir-2213	277	27	operating	operating	NOUN
asir-2213	277	28	costs	cost	NOUN
asir-2213	277	29	has	have	AUX
asir-2213	277	30	been	be	AUX
asir-2213	277	31	reduced	reduce	VERB
asir-2213	277	32	since	since	SCONJ
asir-2213	277	33	the	the	DET
asir-2213	277	34	reforms	reform	NOUN
asir-2213	277	35	.	.	PUNCT
asir-2213	278	1	as	as	SCONJ
asir-2213	278	2	depicted	depict	VERB
asir-2213	278	3	in	in	ADP
asir-2213	278	4	tables	table	NOUN
asir-2213	278	5	3	3	NUM
asir-2213	278	6	and	and	CCONJ
asir-2213	278	7	4	4	NUM
asir-2213	278	8	,	,	PUNCT
asir-2213	278	9	the	the	DET
asir-2213	278	10	magnitude	magnitude	NOUN
asir-2213	278	11	of	of	ADP
asir-2213	278	12	the	the	DET
asir-2213	278	13	refm	refm	NOUN
asir-2213	278	14	interaction	interaction	NOUN
asir-2213	278	15	with	with	ADP
asir-2213	278	16	the	the	DET
asir-2213	278	17	bank	bank	NOUN
asir-2213	278	18	-	-	PUNCT
asir-2213	278	19	specific	specific	ADJ
asir-2213	278	20	indicators	indicator	NOUN
asir-2213	278	21	suggests	suggest	VERB
asir-2213	278	22	that	that	SCONJ
asir-2213	278	23	banks	bank	NOUN
asir-2213	278	24	have	have	AUX
asir-2213	278	25	benefited	benefit	VERB
asir-2213	278	26	considerably	considerably	ADV
asir-2213	278	27	from	from	ADP
asir-2213	278	28	financial	financial	ADJ
asir-2213	278	29	sector	sector	NOUN
asir-2213	278	30	reforms	reform	NOUN
asir-2213	278	31	through	through	ADP
asir-2213	278	32	feeand	feeand	PROPN
asir-2213	278	33	commission	commission	NOUN
asir-2213	278	34	-	-	PUNCT
asir-2213	278	35	based	base	VERB
asir-2213	278	36	services	service	NOUN
asir-2213	278	37	(	(	PUNCT
asir-2213	278	38	fee	fee	NOUN
asir-2213	278	39	)	)	PUNCT
asir-2213	278	40	,	,	PUNCT
asir-2213	278	41	whilst	whilst	SCONJ
asir-2213	278	42	less	less	ADJ
asir-2213	278	43	benefit	benefit	NOUN
asir-2213	278	44	has	have	AUX
asir-2213	278	45	been	be	AUX
asir-2213	278	46	derived	derive	VERB
asir-2213	278	47	from	from	ADP
asir-2213	278	48	managerial	managerial	ADJ
asir-2213	278	49	efficiency	efficiency	NOUN
asir-2213	278	50	(	(	PUNCT
asir-2213	278	51	mgt	mgt	NOUN
asir-2213	278	52	)	)	PUNCT
asir-2213	278	53	.	.	PUNCT
asir-2213	279	1	the	the	DET
asir-2213	279	2	magnitude	magnitude	NOUN
asir-2213	279	3	of	of	ADP
asir-2213	279	4	the	the	DET
asir-2213	279	5	interaction	interaction	NOUN
asir-2213	279	6	with	with	ADP
asir-2213	279	7	the	the	DET
asir-2213	279	8	fee	fee	NOUN
asir-2213	279	9	and	and	CCONJ
asir-2213	279	10	refm	refm	NOUN
asir-2213	279	11	variables	variable	NOUN
asir-2213	279	12	,	,	PUNCT
asir-2213	279	13	with	with	ADP
asir-2213	279	14	negative	negative	ADJ
asir-2213	279	15	coefficients	coefficient	NOUN
asir-2213	279	16	ranging	range	VERB
asir-2213	279	17	between	between	ADP
asir-2213	279	18	0.267	0.267	NUM
asir-2213	279	19	and	and	CCONJ
asir-2213	279	20	0.351	0.351	NUM
asir-2213	279	21	,	,	PUNCT
asir-2213	279	22	reflects	reflect	VERB
asir-2213	279	23	the	the	DET
asir-2213	279	24	extent	extent	NOUN
asir-2213	279	25	to	to	PART
asir-2213	279	26	which	which	PRON
asir-2213	279	27	financial	financial	ADJ
asir-2213	279	28	sector	sector	NOUN
asir-2213	279	29	reforms	reform	NOUN
asir-2213	279	30	have	have	AUX
asir-2213	279	31	contributed	contribute	VERB
asir-2213	279	32	to	to	ADP
asir-2213	279	33	the	the	DET
asir-2213	279	34	innovation	innovation	NOUN
asir-2213	279	35	of	of	ADP
asir-2213	279	36	new	new	ADJ
asir-2213	279	37	banking	banking	NOUN
asir-2213	279	38	products	product	NOUN
asir-2213	279	39	and	and	CCONJ
asir-2213	279	40	services	service	NOUN
asir-2213	279	41	in	in	ADP
asir-2213	279	42	meeting	meet	VERB
asir-2213	279	43	the	the	DET
asir-2213	279	44	needs	need	NOUN
asir-2213	279	45	of	of	ADP
asir-2213	279	46	customers	customer	NOUN
asir-2213	279	47	.	.	PUNCT
asir-2213	280	1	the	the	DET
asir-2213	280	2	very	very	ADV
asir-2213	280	3	small	small	ADJ
asir-2213	280	4	magnitude	magnitude	NOUN
asir-2213	280	5	of	of	ADP
asir-2213	280	6	the	the	DET
asir-2213	280	7	interaction	interaction	NOUN
asir-2213	280	8	with	with	ADP
asir-2213	280	9	the	the	DET
asir-2213	280	10	mgt	mgt	NOUN
asir-2213	280	11	and	and	CCONJ
asir-2213	280	12	refm	refm	NOUN
asir-2213	280	13	variables	variable	NOUN
asir-2213	280	14	,	,	PUNCT
asir-2213	280	15	with	with	ADP
asir-2213	280	16	negative	negative	ADJ
asir-2213	280	17	coefficients	coefficient	NOUN
asir-2213	280	18	ranging	range	VERB
asir-2213	280	19	between	between	ADP
asir-2213	280	20	0.030	0.030	NUM
asir-2213	280	21	and	and	CCONJ
asir-2213	280	22	0.033	0.033	NUM
asir-2213	280	23	,	,	PUNCT
asir-2213	280	24	reflects	reflect	VERB
asir-2213	280	25	in	in	ADP
asir-2213	280	26	part	part	NOUN
asir-2213	280	27	the	the	DET
asir-2213	280	28	smaller	small	ADJ
asir-2213	280	29	effect	effect	NOUN
asir-2213	280	30	of	of	ADP
asir-2213	280	31	the	the	DET
asir-2213	280	32	financial	financial	ADJ
asir-2213	280	33	sector	sector	NOUN
asir-2213	280	34	reforms	reform	NOUN
asir-2213	280	35	on	on	ADP
asir-2213	280	36	the	the	DET
asir-2213	280	37	quality	quality	NOUN
asir-2213	280	38	of	of	ADP
asir-2213	280	39	management	management	NOUN
asir-2213	280	40	,	,	PUNCT
asir-2213	280	41	as	as	SCONJ
asir-2213	280	42	bank	bank	NOUN
asir-2213	280	43	managers	manager	NOUN
asir-2213	280	44	have	have	AUX
asir-2213	280	45	not	not	PART
asir-2213	280	46	fully	fully	ADV
asir-2213	280	47	acquired	acquire	VERB
asir-2213	280	48	a	a	DET
asir-2213	280	49	competitive	competitive	ADJ
asir-2213	280	50	spirit	spirit	NOUN
asir-2213	280	51	or	or	CCONJ
asir-2213	280	52	sensitivity	sensitivity	NOUN
asir-2213	280	53	to	to	ADP
asir-2213	280	54	the	the	DET
asir-2213	280	55	earnings	earning	NOUN
asir-2213	280	56	and	and	CCONJ
asir-2213	280	57	operational	operational	ADJ
asir-2213	280	58	expenses	expense	NOUN
asir-2213	280	59	of	of	ADP
asir-2213	280	60	their	their	PRON
asir-2213	280	61	intermediation	intermediation	NOUN
asir-2213	280	62	role	role	NOUN
asir-2213	280	63	.	.	PUNCT
asir-2213	281	1	this	this	PRON
asir-2213	281	2	has	have	AUX
asir-2213	281	3	led	lead	VERB
asir-2213	281	4	to	to	PART
asir-2213	281	5	cost	cost	VERB
asir-2213	281	6	inefficiencies	inefficiency	NOUN
asir-2213	281	7	in	in	ADP
asir-2213	281	8	the	the	DET
asir-2213	281	9	entire	entire	ADJ
asir-2213	281	10	banking	banking	NOUN
asir-2213	281	11	system	system	NOUN
asir-2213	281	12	,	,	PUNCT
asir-2213	281	13	and	and	CCONJ
asir-2213	281	14	has	have	AUX
asir-2213	281	15	resulted	result	VERB
asir-2213	281	16	in	in	ADP
asir-2213	281	17	placing	place	VERB
asir-2213	281	18	upward	upward	ADJ
asir-2213	281	19	pressure	pressure	NOUN
asir-2213	281	20	on	on	ADP
asir-2213	281	21	the	the	DET
asir-2213	281	22	net	net	ADJ
asir-2213	281	23	interest	interest	NOUN
asir-2213	281	24	margin	margin	NOUN
asir-2213	281	25	(	(	PUNCT
asir-2213	281	26	nim	nim	NOUN
asir-2213	281	27	)	)	PUNCT
asir-2213	281	28	.	.	PUNCT
asir-2213	282	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2213	282	2	applied	apply	VERB
asir-2213	282	3	science	science	NOUN
asir-2213	282	4	and	and	CCONJ
asir-2213	282	5	innovative	innovative	ADJ
asir-2213	282	6	research	research	NOUN
asir-2213	282	7	vol	vol	NOUN
asir-2213	282	8	.	.	PUNCT
asir-2213	283	1	3	3	NUM
asir-2213	283	2	,	,	PUNCT
asir-2213	283	3	no	no	INTJ
asir-2213	283	4	.	.	NOUN
asir-2213	283	5	3	3	NUM
asir-2213	283	6	,	,	PUNCT
asir-2213	283	7	2019	2019	NUM
asir-2213	283	8	148	148	NUM
asir-2213	283	9	published	publish	VERB
asir-2213	283	10	by	by	ADP
asir-2213	283	11	scholink	scholink	PROPN
asir-2213	283	12	inc	inc	PROPN
asir-2213	283	13	.	.	PUNCT
asir-2213	284	1	this	this	PRON
asir-2213	284	2	is	be	AUX
asir-2213	284	3	by	by	ADP
asir-2213	284	4	far	far	ADV
asir-2213	284	5	the	the	DET
asir-2213	284	6	major	major	ADJ
asir-2213	284	7	significant	significant	ADJ
asir-2213	284	8	effect	effect	NOUN
asir-2213	284	9	of	of	ADP
asir-2213	284	10	wide	wide	ADJ
asir-2213	284	11	net	net	ADJ
asir-2213	284	12	interest	interest	NOUN
asir-2213	284	13	margin	margin	NOUN
asir-2213	284	14	in	in	ADP
asir-2213	284	15	ghana	ghana	PROPN
asir-2213	284	16	.	.	PUNCT
asir-2213	285	1	in	in	ADP
asir-2213	285	2	effect	effect	NOUN
asir-2213	285	3	,	,	PUNCT
asir-2213	285	4	financial	financial	ADJ
asir-2213	285	5	sector	sector	NOUN
asir-2213	285	6	reforms	reform	NOUN
asir-2213	285	7	,	,	PUNCT
asir-2213	285	8	having	having	AUX
asir-2213	285	9	been	be	AUX
asir-2213	285	10	introduced	introduce	VERB
asir-2213	285	11	over	over	ADP
asir-2213	285	12	the	the	DET
asir-2213	285	13	past	past	ADJ
asir-2213	285	14	20	20	NUM
asir-2213	285	15	years	year	NOUN
asir-2213	285	16	in	in	ADP
asir-2213	285	17	ghana	ghana	PROPN
asir-2213	285	18	,	,	PUNCT
asir-2213	285	19	have	have	AUX
asir-2213	285	20	not	not	PART
asir-2213	285	21	yet	yet	ADV
asir-2213	285	22	succeeded	succeed	VERB
asir-2213	285	23	in	in	ADP
asir-2213	285	24	bringing	bring	VERB
asir-2213	285	25	about	about	ADP
asir-2213	285	26	a	a	DET
asir-2213	285	27	major	major	ADJ
asir-2213	285	28	reduction	reduction	NOUN
asir-2213	285	29	in	in	ADP
asir-2213	285	30	the	the	DET
asir-2213	285	31	operating	operating	NOUN
asir-2213	285	32	costs	cost	NOUN
asir-2213	285	33	that	that	PRON
asir-2213	285	34	would	would	AUX
asir-2213	285	35	translate	translate	VERB
asir-2213	285	36	into	into	ADP
asir-2213	285	37	substantially	substantially	ADV
asir-2213	285	38	narrower	narrow	ADJ
asir-2213	285	39	margins	margin	NOUN
asir-2213	285	40	.	.	PUNCT
asir-2213	286	1	5	5	X
asir-2213	286	2	.	.	X
asir-2213	286	3	conclusion	conclusion	NOUN
asir-2213	286	4	i	i	PRON
asir-2213	286	5	have	have	AUX
asir-2213	286	6	empirically	empirically	ADV
asir-2213	286	7	investigated	investigate	VERB
asir-2213	286	8	the	the	DET
asir-2213	286	9	effect	effect	NOUN
asir-2213	286	10	of	of	ADP
asir-2213	286	11	financial	financial	ADJ
asir-2213	286	12	sector	sector	NOUN
asir-2213	286	13	reforms	reform	NOUN
asir-2213	286	14	on	on	ADP
asir-2213	286	15	net	net	ADJ
asir-2213	286	16	interest	interest	NOUN
asir-2213	286	17	margin	margin	NOUN
asir-2213	286	18	of	of	ADP
asir-2213	286	19	ghanaian	ghanaian	ADJ
asir-2213	286	20	banks	bank	NOUN
asir-2213	286	21	from	from	ADP
asir-2213	286	22	the	the	DET
asir-2213	286	23	period	period	NOUN
asir-2213	286	24	1997	1997	NUM
asir-2213	286	25	to	to	ADP
asir-2213	286	26	2006	2006	NUM
asir-2213	286	27	.	.	PUNCT
asir-2213	287	1	this	this	DET
asir-2213	287	2	time	time	NOUN
asir-2213	287	3	period	period	NOUN
asir-2213	287	4	was	be	AUX
asir-2213	287	5	characterised	characterise	VERB
asir-2213	287	6	by	by	ADP
asir-2213	287	7	the	the	DET
asir-2213	287	8	implementation	implementation	NOUN
asir-2213	287	9	of	of	ADP
asir-2213	287	10	all	all	DET
asir-2213	287	11	the	the	DET
asir-2213	287	12	three	three	NUM
asir-2213	287	13	phases	phase	NOUN
asir-2213	287	14	of	of	ADP
asir-2213	287	15	the	the	DET
asir-2213	287	16	financial	financial	ADJ
asir-2213	287	17	sector	sector	NOUN
asir-2213	287	18	adjustment	adjustment	NOUN
asir-2213	287	19	programme	programme	NOUN
asir-2213	287	20	(	(	PUNCT
asir-2213	287	21	finsap	finsap	NOUN
asir-2213	287	22	)	)	PUNCT
asir-2213	287	23	.	.	PUNCT
asir-2213	288	1	the	the	DET
asir-2213	288	2	findings	finding	NOUN
asir-2213	288	3	of	of	ADP
asir-2213	288	4	this	this	DET
asir-2213	288	5	study	study	NOUN
asir-2213	288	6	show	show	VERB
asir-2213	288	7	that	that	SCONJ
asir-2213	288	8	wide	wide	ADJ
asir-2213	288	9	net	net	ADJ
asir-2213	288	10	interest	interest	NOUN
asir-2213	288	11	margin	margin	NOUN
asir-2213	288	12	is	be	AUX
asir-2213	288	13	influenced	influence	VERB
asir-2213	288	14	by	by	ADP
asir-2213	288	15	the	the	DET
asir-2213	288	16	degree	degree	NOUN
asir-2213	288	17	of	of	ADP
asir-2213	288	18	risk	risk	NOUN
asir-2213	288	19	aversion	aversion	NOUN
asir-2213	288	20	,	,	PUNCT
asir-2213	288	21	high	high	ADJ
asir-2213	288	22	operating	operating	NOUN
asir-2213	288	23	costs	cost	NOUN
asir-2213	288	24	,	,	PUNCT
asir-2213	288	25	loan	loan	NOUN
asir-2213	288	26	concentration	concentration	NOUN
asir-2213	288	27	and	and	CCONJ
asir-2213	288	28	the	the	DET
asir-2213	288	29	discount	discount	NOUN
asir-2213	288	30	rate	rate	NOUN
asir-2213	288	31	.	.	PUNCT
asir-2213	289	1	the	the	DET
asir-2213	289	2	results	result	NOUN
asir-2213	289	3	also	also	ADV
asir-2213	289	4	reveal	reveal	VERB
asir-2213	289	5	that	that	SCONJ
asir-2213	289	6	the	the	DET
asir-2213	289	7	quality	quality	NOUN
asir-2213	289	8	of	of	ADP
asir-2213	289	9	management	management	NOUN
asir-2213	289	10	,	,	PUNCT
asir-2213	289	11	income	income	NOUN
asir-2213	289	12	from	from	ADP
asir-2213	289	13	feeand	feeand	PROPN
asir-2213	289	14	commission	commission	NOUN
asir-2213	289	15	-	-	PUNCT
asir-2213	289	16	based	base	VERB
asir-2213	289	17	services	service	NOUN
asir-2213	289	18	,	,	PUNCT
asir-2213	289	19	as	as	ADV
asir-2213	289	20	well	well	ADV
asir-2213	289	21	as	as	ADP
asir-2213	289	22	reserve	reserve	NOUN
asir-2213	289	23	requirements	requirement	NOUN
asir-2213	289	24	help	help	VERB
asir-2213	289	25	explain	explain	VERB
asir-2213	289	26	the	the	DET
asir-2213	289	27	behaviour	behaviour	NOUN
asir-2213	289	28	of	of	ADP
asir-2213	289	29	bank	bank	NOUN
asir-2213	289	30	interest	interest	NOUN
asir-2213	289	31	margins	margin	NOUN
asir-2213	289	32	.	.	PUNCT
asir-2213	290	1	in	in	ADP
asir-2213	290	2	spite	spite	NOUN
asir-2213	290	3	of	of	ADP
asir-2213	290	4	the	the	DET
asir-2213	290	5	improvements	improvement	NOUN
asir-2213	290	6	to	to	ADP
asir-2213	290	7	institutional	institutional	ADJ
asir-2213	290	8	structures	structure	NOUN
asir-2213	290	9	brought	bring	VERB
asir-2213	290	10	about	about	ADP
asir-2213	290	11	by	by	ADP
asir-2213	290	12	the	the	DET
asir-2213	290	13	reforms	reform	NOUN
asir-2213	290	14	,	,	PUNCT
asir-2213	290	15	the	the	DET
asir-2213	290	16	findings	finding	NOUN
asir-2213	290	17	of	of	ADP
asir-2213	290	18	this	this	DET
asir-2213	290	19	study	study	NOUN
asir-2213	290	20	suggest	suggest	VERB
asir-2213	290	21	that	that	SCONJ
asir-2213	290	22	the	the	DET
asir-2213	290	23	full	full	ADJ
asir-2213	290	24	benefits	benefit	NOUN
asir-2213	290	25	for	for	ADP
asir-2213	290	26	banking	banking	NOUN
asir-2213	290	27	system	system	NOUN
asir-2213	290	28	efficiency	efficiency	NOUN
asir-2213	290	29	have	have	AUX
asir-2213	290	30	not	not	PART
asir-2213	290	31	yet	yet	ADV
asir-2213	290	32	been	be	AUX
asir-2213	290	33	realised	realise	VERB
asir-2213	290	34	.	.	PUNCT
asir-2213	291	1	some	some	PRON
asir-2213	291	2	of	of	ADP
asir-2213	291	3	the	the	DET
asir-2213	291	4	policy	policy	NOUN
asir-2213	291	5	variables	variable	NOUN
asir-2213	291	6	,	,	PUNCT
asir-2213	291	7	particularly	particularly	ADV
asir-2213	291	8	operating	operating	NOUN
asir-2213	291	9	costs	cost	NOUN
asir-2213	291	10	,	,	PUNCT
asir-2213	291	11	continue	continue	VERB
asir-2213	291	12	to	to	PART
asir-2213	291	13	place	place	VERB
asir-2213	291	14	upward	upward	ADJ
asir-2213	291	15	pressure	pressure	NOUN
asir-2213	291	16	on	on	ADP
asir-2213	291	17	the	the	DET
asir-2213	291	18	cost	cost	NOUN
asir-2213	291	19	of	of	ADP
asir-2213	291	20	intermediation	intermediation	NOUN
asir-2213	291	21	.	.	PUNCT
asir-2213	292	1	as	as	ADP
asir-2213	292	2	a	a	DET
asir-2213	292	3	consequence	consequence	NOUN
asir-2213	292	4	,	,	PUNCT
asir-2213	292	5	financial	financial	ADJ
asir-2213	292	6	sector	sector	NOUN
asir-2213	292	7	reforms	reform	NOUN
asir-2213	292	8	have	have	AUX
asir-2213	292	9	had	have	VERB
asir-2213	292	10	a	a	DET
asir-2213	292	11	limited	limited	ADJ
asir-2213	292	12	effect	effect	NOUN
asir-2213	292	13	on	on	ADP
asir-2213	292	14	enhancing	enhance	VERB
asir-2213	292	15	the	the	DET
asir-2213	292	16	efficiency	efficiency	NOUN
asir-2213	292	17	of	of	ADP
asir-2213	292	18	the	the	DET
asir-2213	292	19	ghanaian	ghanaian	ADJ
asir-2213	292	20	banking	banking	NOUN
asir-2213	292	21	system	system	NOUN
asir-2213	292	22	.	.	PUNCT
asir-2213	293	1	references	reference	NOUN
asir-2213	293	2	afanasieff	afanasieff	PROPN
asir-2213	293	3	,	,	PUNCT
asir-2213	293	4	t.	t.	PROPN
asir-2213	293	5	s.	s.	PROPN
asir-2213	293	6	,	,	PUNCT
asir-2213	293	7	lhacer	lhacer	NOUN
asir-2213	293	8	,	,	PUNCT
asir-2213	293	9	p.	p.	NOUN
asir-2213	293	10	m.	m.	NOUN
asir-2213	294	1	v.	v.	PROPN
asir-2213	294	2	,	,	PUNCT
asir-2213	294	3	&	&	CCONJ
asir-2213	294	4	nakane	nakane	PROPN
asir-2213	294	5	,	,	PUNCT
asir-2213	294	6	m.	m.	NOUN
asir-2213	294	7	i.	i.	PROPN
asir-2213	294	8	(	(	PUNCT
asir-2213	294	9	2002	2002	NUM
asir-2213	294	10	)	)	PUNCT
asir-2213	294	11	.	.	PUNCT
asir-2213	295	1	the	the	DET
asir-2213	295	2	determinants	determinant	NOUN
asir-2213	295	3	of	of	ADP
asir-2213	295	4	bank	bank	NOUN
asir-2213	295	5	interest	interest	NOUN
asir-2213	295	6	spread	spread	VERB
asir-2213	295	7	in	in	ADP
asir-2213	295	8	brazil	brazil	PROPN
asir-2213	295	9	(	(	PUNCT
asir-2213	295	10	working	working	NOUN
asir-2213	295	11	paper	paper	NOUN
asir-2213	295	12	)	)	PUNCT
asir-2213	295	13	.	.	PUNCT
asir-2213	296	1	banco	banco	PROPN
asir-2213	296	2	central	central	PROPN
asir-2213	296	3	do	do	AUX
asir-2213	296	4	brasil	brasil	PROPN
asir-2213	296	5	,	,	PUNCT
asir-2213	296	6	brazil	brazil	PROPN
asir-2213	296	7	.	.	PUNCT
asir-2213	297	1	aleem	aleem	PROPN
asir-2213	297	2	,	,	PUNCT
asir-2213	297	3	i.	i.	PROPN
asir-2213	297	4	&	&	CCONJ
asir-2213	297	5	kasekende	kasekende	PROPN
asir-2213	297	6	,	,	PUNCT
asir-2213	297	7	l.	l.	PROPN
asir-2213	297	8	(	(	PUNCT
asir-2213	297	9	2001	2001	NUM
asir-2213	297	10	)	)	PUNCT
asir-2213	297	11	.	.	PUNCT
asir-2213	298	1	reforming	reform	VERB
asir-2213	298	2	finance	finance	NOUN
asir-2213	298	3	in	in	ADP
asir-2213	298	4	a	a	DET
asir-2213	298	5	low	low	ADJ
asir-2213	298	6	income	income	NOUN
asir-2213	298	7	country	country	NOUN
asir-2213	298	8	:	:	PUNCT
asir-2213	298	9	uganda	uganda	PROPN
asir-2213	298	10	.	.	PUNCT
asir-2213	299	1	in	in	ADP
asir-2213	299	2	g.	g.	PROPN
asir-2213	299	3	caprio	caprio	PROPN
asir-2213	299	4	,	,	PUNCT
asir-2213	299	5	j.	j.	PROPN
asir-2213	299	6	e.	e.	PROPN
asir-2213	299	7	stiglitz	stiglitz	PROPN
asir-2213	299	8	,	,	PUNCT
asir-2213	299	9	&	&	CCONJ
asir-2213	299	10	p.	p.	PROPN
asir-2213	299	11	honohan	honohan	PROPN
asir-2213	299	12	(	(	PUNCT
asir-2213	299	13	eds	ed	NOUN
asir-2213	299	14	.	.	PUNCT
asir-2213	299	15	)	)	PUNCT
asir-2213	299	16	,	,	PUNCT
asir-2213	299	17	financial	financial	ADJ
asir-2213	299	18	liberalization	liberalization	NOUN
asir-2213	299	19	:	:	PUNCT
asir-2213	299	20	how	how	SCONJ
asir-2213	299	21	far	far	ADV
asir-2213	299	22	,	,	PUNCT
asir-2213	299	23	how	how	SCONJ
asir-2213	299	24	fast	fast	ADJ
asir-2213	299	25	?	?	PUNCT
asir-2213	300	1	cambridge	cambridge	NOUN
asir-2213	300	2	:	:	PUNCT
asir-2213	300	3	cambridge	cambridge	PROPN
asir-2213	300	4	university	university	PROPN
asir-2213	300	5	press	press	NOUN
asir-2213	300	6	.	.	PUNCT
asir-2213	301	1	angbazo	angbazo	PROPN
asir-2213	301	2	,	,	PUNCT
asir-2213	301	3	l.	l.	PROPN
asir-2213	301	4	(	(	PUNCT
asir-2213	301	5	1997	1997	NUM
asir-2213	301	6	)	)	PUNCT
asir-2213	301	7	.	.	PUNCT
asir-2213	302	1	commercial	commercial	PROPN
asir-2213	302	2	bank	bank	PROPN
asir-2213	302	3	net	net	ADJ
asir-2213	302	4	interest	interest	NOUN
asir-2213	302	5	margins	margin	NOUN
asir-2213	302	6	,	,	PUNCT
asir-2213	302	7	default	default	NOUN
asir-2213	302	8	risk	risk	NOUN
asir-2213	302	9	,	,	PUNCT
asir-2213	302	10	interest	interest	NOUN
asir-2213	302	11	-	-	PUNCT
asir-2213	302	12	rate	rate	NOUN
asir-2213	302	13	risk	risk	NOUN
asir-2213	302	14	,	,	PUNCT
asir-2213	302	15	and	and	CCONJ
asir-2213	302	16	off	off	ADP
asir-2213	302	17	-	-	PUNCT
asir-2213	302	18	balance	balance	NOUN
asir-2213	302	19	sheet	sheet	NOUN
asir-2213	302	20	banking	banking	NOUN
asir-2213	302	21	.	.	PUNCT
asir-2213	303	1	journal	journal	PROPN
asir-2213	303	2	of	of	ADP
asir-2213	303	3	banking	banking	NOUN
asir-2213	303	4	and	and	CCONJ
asir-2213	303	5	finance	finance	NOUN
asir-2213	303	6	,	,	PUNCT
asir-2213	303	7	21	21	NUM
asir-2213	303	8	,	,	PUNCT
asir-2213	303	9	55	55	NUM
asir-2213	303	10	-	-	SYM
asir-2213	303	11	87	87	NUM
asir-2213	303	12	.	.	PUNCT
asir-2213	304	1	https://doi.org/10.1016/s0378-4266(96)00025-8	https://doi.org/10.1016/s0378-4266(96)00025-8	PROPN
asir-2213	304	2	barajas	barajas	PROPN
asir-2213	304	3	,	,	PUNCT
asir-2213	304	4	a.	a.	NOUN
asir-2213	304	5	,	,	PUNCT
asir-2213	304	6	steiner	steiner	PROPN
asir-2213	304	7	,	,	PUNCT
asir-2213	304	8	r.	r.	PROPN
asir-2213	304	9	,	,	PUNCT
asir-2213	304	10	&	&	CCONJ
asir-2213	304	11	salazar	salazar	PROPN
asir-2213	304	12	,	,	PUNCT
asir-2213	304	13	n.	n.	NOUN
asir-2213	304	14	(	(	PUNCT
asir-2213	304	15	1998	1998	NUM
asir-2213	304	16	)	)	PUNCT
asir-2213	304	17	.	.	PUNCT
asir-2213	305	1	interest	interest	NOUN
asir-2213	305	2	spreads	spread	VERB
asir-2213	305	3	in	in	ADP
asir-2213	305	4	banking	banking	NOUN
asir-2213	305	5	:	:	PUNCT
asir-2213	306	1	costs	cost	NOUN
asir-2213	306	2	,	,	PUNCT
asir-2213	306	3	financial	financial	ADJ
asir-2213	306	4	taxation	taxation	NOUN
asir-2213	306	5	,	,	PUNCT
asir-2213	306	6	market	market	NOUN
asir-2213	306	7	power	power	NOUN
asir-2213	306	8	,	,	PUNCT
asir-2213	306	9	and	and	CCONJ
asir-2213	306	10	loan	loan	NOUN
asir-2213	306	11	quality	quality	NOUN
asir-2213	306	12	in	in	ADP
asir-2213	306	13	the	the	DET
asir-2213	306	14	colombian	colombian	ADJ
asir-2213	306	15	case	case	NOUN
asir-2213	306	16	1974	1974	NUM
asir-2213	306	17	-	-	SYM
asir-2213	306	18	1996	1996	NUM
asir-2213	306	19	(	(	PUNCT
asir-2213	306	20	working	working	NOUN
asir-2213	306	21	paper	paper	NOUN
asir-2213	306	22	)	)	PUNCT
asir-2213	306	23	.	.	PUNCT
asir-2213	307	1	international	international	ADJ
asir-2213	307	2	monetary	monetary	ADJ
asir-2213	307	3	fund	fund	PROPN
asir-2213	307	4	,	,	PUNCT
asir-2213	307	5	washington	washington	PROPN
asir-2213	307	6	.	.	PUNCT
asir-2213	308	1	barajas	barajas	PROPN
asir-2213	308	2	,	,	PUNCT
asir-2213	308	3	a.	a.	PROPN
asir-2213	308	4	,	,	PUNCT
asir-2213	308	5	steiner	steiner	PROPN
asir-2213	308	6	,	,	PUNCT
asir-2213	308	7	r.	r.	PROPN
asir-2213	308	8	,	,	PUNCT
asir-2213	308	9	&	&	CCONJ
asir-2213	308	10	salazar	salazar	PROPN
asir-2213	308	11	,	,	PUNCT
asir-2213	308	12	n.	n.	NOUN
asir-2213	308	13	(	(	PUNCT
asir-2213	308	14	2000	2000	NUM
asir-2213	308	15	)	)	PUNCT
asir-2213	308	16	.	.	PUNCT
asir-2213	309	1	the	the	DET
asir-2213	309	2	impact	impact	NOUN
asir-2213	309	3	of	of	ADP
asir-2213	309	4	liberalization	liberalization	NOUN
asir-2213	309	5	and	and	CCONJ
asir-2213	309	6	foreign	foreign	ADJ
asir-2213	309	7	investment	investment	NOUN
asir-2213	309	8	in	in	ADP
asir-2213	309	9	colombia	colombia	PROPN
asir-2213	309	10	’s	’s	PART
asir-2213	309	11	financial	financial	ADJ
asir-2213	309	12	sector	sector	NOUN
asir-2213	309	13	.	.	PUNCT
asir-2213	310	1	journal	journal	PROPN
asir-2213	310	2	of	of	ADP
asir-2213	310	3	development	development	NOUN
asir-2213	310	4	economics	economic	NOUN
asir-2213	310	5	,	,	PUNCT
asir-2213	310	6	63	63	NUM
asir-2213	310	7	,	,	PUNCT
asir-2213	310	8	157	157	NUM
asir-2213	310	9	-	-	SYM
asir-2213	310	10	196	196	NUM
asir-2213	310	11	.	.	PUNCT
asir-2213	311	1	https://doi.org/10.1016/s0304-3878(00)00104-8	https://doi.org/10.1016/s0304-3878(00)00104-8	PROPN
asir-2213	311	2	beck	beck	PROPN
asir-2213	311	3	,	,	PUNCT
asir-2213	311	4	t.	t.	PROPN
asir-2213	311	5	,	,	PUNCT
asir-2213	311	6	&	&	CCONJ
asir-2213	311	7	hesse	hesse	PROPN
asir-2213	311	8	,	,	PUNCT
asir-2213	311	9	h.	h.	PROPN
asir-2213	311	10	(	(	PUNCT
asir-2213	311	11	2009	2009	NUM
asir-2213	311	12	)	)	PUNCT
asir-2213	311	13	.	.	PUNCT
asir-2213	312	1	why	why	SCONJ
asir-2213	312	2	are	be	AUX
asir-2213	312	3	interest	interest	NOUN
asir-2213	312	4	spreads	spread	NOUN
asir-2213	312	5	so	so	ADV
asir-2213	312	6	high	high	ADJ
asir-2213	312	7	in	in	ADP
asir-2213	312	8	uganda	uganda	PROPN
asir-2213	312	9	?	?	PUNCT
asir-2213	313	1	journal	journal	PROPN
asir-2213	313	2	of	of	ADP
asir-2213	313	3	development	development	NOUN
asir-2213	313	4	economics	economic	NOUN
asir-2213	313	5	,	,	PUNCT
asir-2213	313	6	88	88	NUM
asir-2213	313	7	,	,	PUNCT
asir-2213	313	8	192	192	NUM
asir-2213	313	9	-	-	SYM
asir-2213	313	10	204	204	NUM
asir-2213	313	11	.	.	PUNCT
asir-2213	314	1	https://doi.org/10.1016/j.jdeveco.2008.07.004	https://doi.org/10.1016/j.jdeveco.2008.07.004	PROPN
asir-2213	314	2	beck	beck	PROPN
asir-2213	314	3	,	,	PUNCT
asir-2213	314	4	t.	t.	PROPN
asir-2213	314	5	,	,	PUNCT
asir-2213	314	6	demirgüç	demirgüç	PROPN
asir-2213	314	7	-	-	PUNCT
asir-2213	314	8	kunt	kunt	PROPN
asir-2213	314	9	,	,	PUNCT
asir-2213	314	10	a.	a.	PROPN
asir-2213	314	11	,	,	PUNCT
asir-2213	314	12	&	&	CCONJ
asir-2213	314	13	levine	levine	PROPN
asir-2213	314	14	,	,	PUNCT
asir-2213	314	15	r.	r.	PROPN
asir-2213	314	16	e.	e.	PROPN
asir-2213	314	17	(	(	PUNCT
asir-2213	314	18	2000	2000	NUM
asir-2213	314	19	)	)	PUNCT
asir-2213	314	20	.	.	PUNCT
asir-2213	315	1	a	a	DET
asir-2213	315	2	new	new	ADJ
asir-2213	315	3	database	database	NOUN
asir-2213	315	4	on	on	ADP
asir-2213	315	5	financial	financial	ADJ
asir-2213	315	6	development	development	NOUN
asir-2213	315	7	and	and	CCONJ
asir-2213	315	8	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	315	9	applied	apply	VERB
asir-2213	315	10	science	science	NOUN
asir-2213	315	11	and	and	CCONJ
asir-2213	315	12	innovative	innovative	ADJ
asir-2213	315	13	research	research	NOUN
asir-2213	315	14	vol	vol	NOUN
asir-2213	315	15	.	.	PUNCT
asir-2213	316	1	3	3	NUM
asir-2213	316	2	,	,	PUNCT
asir-2213	316	3	no	no	INTJ
asir-2213	316	4	.	.	NOUN
asir-2213	316	5	3	3	NUM
asir-2213	316	6	,	,	PUNCT
asir-2213	316	7	2019	2019	NUM
asir-2213	316	8	149	149	NUM
asir-2213	316	9	published	publish	VERB
asir-2213	316	10	by	by	ADP
asir-2213	316	11	scholink	scholink	PROPN
asir-2213	316	12	inc	inc	PROPN
asir-2213	316	13	.	.	PROPN
asir-2213	316	14	structure	structure	PROPN
asir-2213	316	15	.	.	PUNCT
asir-2213	317	1	world	world	PROPN
asir-2213	317	2	bank	bank	PROPN
asir-2213	317	3	economic	economic	PROPN
asir-2213	317	4	review	review	PROPN
asir-2213	317	5	,	,	PUNCT
asir-2213	317	6	14	14	NUM
asir-2213	317	7	,	,	PUNCT
asir-2213	317	8	597	597	NUM
asir-2213	317	9	-	-	SYM
asir-2213	317	10	605	605	NUM
asir-2213	317	11	.	.	PUNCT
asir-2213	318	1	https://doi.org/10.1093/wber/14.3.597	https://doi.org/10.1093/wber/14.3.597	NUM
asir-2213	318	2	brock	brock	NOUN
asir-2213	318	3	,	,	PUNCT
asir-2213	318	4	p.	p.	PROPN
asir-2213	318	5	l.	l.	PROPN
asir-2213	318	6	,	,	PUNCT
asir-2213	318	7	&	&	CCONJ
asir-2213	318	8	suarez	suarez	PROPN
asir-2213	318	9	,	,	PUNCT
asir-2213	318	10	l.	l.	PROPN
asir-2213	318	11	r.	r.	PROPN
asir-2213	318	12	(	(	PUNCT
asir-2213	318	13	2000	2000	NUM
asir-2213	318	14	)	)	PUNCT
asir-2213	318	15	.	.	PUNCT
asir-2213	319	1	understanding	understand	VERB
asir-2213	319	2	the	the	DET
asir-2213	319	3	behaviour	behaviour	NOUN
asir-2213	319	4	of	of	ADP
asir-2213	319	5	bank	bank	NOUN
asir-2213	319	6	spreads	spread	VERB
asir-2213	319	7	in	in	ADP
asir-2213	319	8	latin	latin	PROPN
asir-2213	319	9	america	america	PROPN
asir-2213	319	10	.	.	PUNCT
asir-2213	320	1	journal	journal	PROPN
asir-2213	320	2	of	of	ADP
asir-2213	320	3	development	development	NOUN
asir-2213	320	4	economics	economic	NOUN
asir-2213	320	5	,	,	PUNCT
asir-2213	320	6	63	63	NUM
asir-2213	320	7	,	,	PUNCT
asir-2213	320	8	113	113	NUM
asir-2213	320	9	-	-	SYM
asir-2213	320	10	134	134	NUM
asir-2213	320	11	.	.	PUNCT
asir-2213	320	12	https://doi.org/10.1016/s0304-3878(00)00102-4	https://doi.org/10.1016/s0304-3878(00)00102-4	PROPN
asir-2213	320	13	brownbridge	brownbridge	NOUN
asir-2213	320	14	,	,	PUNCT
asir-2213	320	15	m.	m.	NOUN
asir-2213	320	16	,	,	PUNCT
asir-2213	320	17	&	&	CCONJ
asir-2213	320	18	harvey	harvey	PROPN
asir-2213	320	19	,	,	PUNCT
asir-2213	320	20	c.	c.	PROPN
asir-2213	320	21	(	(	PUNCT
asir-2213	320	22	1998	1998	NUM
asir-2213	320	23	)	)	PUNCT
asir-2213	320	24	.	.	PUNCT
asir-2213	321	1	introduction	introduction	NOUN
asir-2213	321	2	:	:	PUNCT
asir-2213	321	3	financial	financial	ADJ
asir-2213	321	4	liberalisation	liberalisation	NOUN
asir-2213	321	5	in	in	ADP
asir-2213	321	6	difficult	difficult	ADJ
asir-2213	321	7	circumstances	circumstance	NOUN
asir-2213	321	8	.	.	PUNCT
asir-2213	322	1	in	in	ADP
asir-2213	322	2	m.	m.	NOUN
asir-2213	322	3	brownbridge	brownbridge	NOUN
asir-2213	322	4	,	,	PUNCT
asir-2213	322	5	&	&	CCONJ
asir-2213	322	6	c.	c.	PROPN
asir-2213	322	7	harvey	harvey	PROPN
asir-2213	322	8	(	(	PUNCT
asir-2213	322	9	eds	eds	PROPN
asir-2213	322	10	.	.	PUNCT
asir-2213	322	11	)	)	PUNCT
asir-2213	322	12	,	,	PUNCT
asir-2213	322	13	banking	banking	NOUN
asir-2213	322	14	in	in	ADP
asir-2213	322	15	africa	africa	PROPN
asir-2213	322	16	:	:	PUNCT
asir-2213	322	17	the	the	DET
asir-2213	322	18	impact	impact	NOUN
asir-2213	322	19	of	of	ADP
asir-2213	322	20	financial	financial	ADJ
asir-2213	322	21	sector	sector	NOUN
asir-2213	322	22	reform	reform	NOUN
asir-2213	322	23	since	since	SCONJ
asir-2213	322	24	independence	independence	NOUN
asir-2213	322	25	.	.	PUNCT
asir-2213	323	1	oxford	oxford	PROPN
asir-2213	323	2	:	:	PUNCT
asir-2213	323	3	james	james	PROPN
asir-2213	323	4	currey	currey	PROPN
asir-2213	323	5	ltd	ltd	PROPN
asir-2213	323	6	.	.	PROPN
asir-2213	324	1	carbó	carbó	PROPN
asir-2213	324	2	,	,	PUNCT
asir-2213	324	3	s.	s.	PROPN
asir-2213	324	4	v.	v.	PROPN
asir-2213	324	5	,	,	PUNCT
asir-2213	324	6	&	&	CCONJ
asir-2213	324	7	fernández	fernández	PROPN
asir-2213	324	8	,	,	PUNCT
asir-2213	324	9	r.	r.	PROPN
asir-2213	324	10	f.	f.	PROPN
asir-2213	324	11	(	(	PUNCT
asir-2213	324	12	2007	2007	NUM
asir-2213	324	13	)	)	PUNCT
asir-2213	324	14	.	.	PUNCT
asir-2213	325	1	the	the	DET
asir-2213	325	2	determinants	determinant	NOUN
asir-2213	325	3	of	of	ADP
asir-2213	325	4	bank	bank	NOUN
asir-2213	325	5	margins	margin	NOUN
asir-2213	325	6	in	in	ADP
asir-2213	325	7	european	european	ADJ
asir-2213	325	8	banking	banking	NOUN
asir-2213	325	9	.	.	PUNCT
asir-2213	326	1	journal	journal	PROPN
asir-2213	326	2	of	of	ADP
asir-2213	326	3	banking	banking	NOUN
asir-2213	326	4	and	and	CCONJ
asir-2213	326	5	finance	finance	NOUN
asir-2213	326	6	,	,	PUNCT
asir-2213	326	7	31	31	NUM
asir-2213	326	8	,	,	PUNCT
asir-2213	326	9	2043	2043	NUM
asir-2213	326	10	-	-	SYM
asir-2213	326	11	2063	2063	NUM
asir-2213	326	12	.	.	PUNCT
asir-2213	327	1	https://doi.org/10.1016/j.jbankfin.2006.06.017	https://doi.org/10.1016/j.jbankfin.2006.06.017	NUM
asir-2213	327	2	clark	clark	NOUN
asir-2213	327	3	,	,	PUNCT
asir-2213	327	4	j.	j.	PROPN
asir-2213	327	5	a.	a.	PROPN
asir-2213	327	6	(	(	PUNCT
asir-2213	327	7	1986	1986	NUM
asir-2213	327	8	)	)	PUNCT
asir-2213	327	9	.	.	PUNCT
asir-2213	328	1	single	single	ADJ
asir-2213	328	2	-	-	PUNCT
asir-2213	328	3	equation	equation	NOUN
asir-2213	328	4	,	,	PUNCT
asir-2213	328	5	multiple	multiple	ADJ
asir-2213	328	6	regression	regression	NOUN
asir-2213	328	7	methodology	methodology	NOUN
asir-2213	328	8	:	:	PUNCT
asir-2213	328	9	is	be	AUX
asir-2213	328	10	it	it	PRON
asir-2213	328	11	an	an	DET
asir-2213	328	12	appropriate	appropriate	ADJ
asir-2213	328	13	methodology	methodology	NOUN
asir-2213	328	14	for	for	ADP
asir-2213	328	15	the	the	DET
asir-2213	328	16	structure	structure	NOUN
asir-2213	328	17	-	-	PUNCT
asir-2213	328	18	performance	performance	NOUN
asir-2213	328	19	relationship	relationship	NOUN
asir-2213	328	20	in	in	ADP
asir-2213	328	21	banking	banking	NOUN
asir-2213	328	22	?	?	PUNCT
asir-2213	329	1	journal	journal	NOUN
asir-2213	329	2	of	of	ADP
asir-2213	329	3	monetary	monetary	ADJ
asir-2213	329	4	economics	economic	NOUN
asir-2213	329	5	,	,	PUNCT
asir-2213	329	6	18	18	NUM
asir-2213	329	7	,	,	PUNCT
asir-2213	329	8	259	259	NUM
asir-2213	329	9	-	-	SYM
asir-2213	329	10	312	312	NUM
asir-2213	329	11	.	.	PUNCT
asir-2213	330	1	https://doi.org/10.1016/0304-3932(86)90042-5	https://doi.org/10.1016/0304-3932(86)90042-5	VERB
asir-2213	330	2	dabla	dabla	ADV
asir-2213	330	3	-	-	PUNCT
asir-2213	330	4	norris	norris	NOUN
asir-2213	330	5	,	,	PUNCT
asir-2213	330	6	e.	e.	PROPN
asir-2213	330	7	,	,	PUNCT
asir-2213	330	8	&	&	CCONJ
asir-2213	330	9	floerkemeier	floerkemeier	NOUN
asir-2213	330	10	,	,	PUNCT
asir-2213	330	11	h.	h.	PROPN
asir-2213	330	12	(	(	PUNCT
asir-2213	330	13	2007	2007	NUM
asir-2213	330	14	)	)	PUNCT
asir-2213	330	15	.	.	PUNCT
asir-2213	331	1	bank	bank	NOUN
asir-2213	331	2	efficiency	efficiency	NOUN
asir-2213	331	3	and	and	CCONJ
asir-2213	331	4	market	market	NOUN
asir-2213	331	5	structure	structure	NOUN
asir-2213	331	6	:	:	PUNCT
asir-2213	331	7	what	what	PRON
asir-2213	331	8	determines	determine	VERB
asir-2213	331	9	banking	banking	NOUN
asir-2213	331	10	spreads	spread	NOUN
asir-2213	331	11	in	in	ADP
asir-2213	331	12	armenia	armenia	PROPN
asir-2213	331	13	(	(	PUNCT
asir-2213	331	14	working	working	NOUN
asir-2213	331	15	paper	paper	NOUN
asir-2213	331	16	)	)	PUNCT
asir-2213	331	17	?	?	PUNCT
asir-2213	332	1	international	international	ADJ
asir-2213	332	2	monetary	monetary	ADJ
asir-2213	332	3	fund	fund	PROPN
asir-2213	332	4	,	,	PUNCT
asir-2213	332	5	washington	washington	PROPN
asir-2213	332	6	.	.	PUNCT
asir-2213	333	1	demirgüç	demirgüç	PROPN
asir-2213	333	2	-	-	PUNCT
asir-2213	333	3	kunt	kunt	PROPN
asir-2213	333	4	,	,	PUNCT
asir-2213	333	5	a.	a.	NOUN
asir-2213	333	6	,	,	PUNCT
asir-2213	333	7	&	&	CCONJ
asir-2213	333	8	huizinga	huizinga	PROPN
asir-2213	333	9	,	,	PUNCT
asir-2213	333	10	h.	h.	PROPN
asir-2213	333	11	(	(	PUNCT
asir-2213	333	12	1998	1998	NUM
asir-2213	333	13	)	)	PUNCT
asir-2213	333	14	.	.	PUNCT
asir-2213	334	1	determinants	determinant	NOUN
asir-2213	334	2	of	of	ADP
asir-2213	334	3	commercial	commercial	ADJ
asir-2213	334	4	bank	bank	NOUN
asir-2213	334	5	interest	interest	NOUN
asir-2213	334	6	margins	margin	NOUN
asir-2213	334	7	and	and	CCONJ
asir-2213	334	8	profitability	profitability	NOUN
asir-2213	334	9	:	:	PUNCT
asir-2213	334	10	some	some	DET
asir-2213	334	11	international	international	ADJ
asir-2213	334	12	evidence	evidence	NOUN
asir-2213	334	13	(	(	PUNCT
asir-2213	334	14	policy	policy	NOUN
asir-2213	334	15	research	research	NOUN
asir-2213	334	16	working	working	NOUN
asir-2213	334	17	paper	paper	NOUN
asir-2213	334	18	)	)	PUNCT
asir-2213	334	19	.	.	PUNCT
asir-2213	335	1	world	world	PROPN
asir-2213	335	2	bank	bank	PROPN
asir-2213	335	3	,	,	PUNCT
asir-2213	335	4	washington	washington	PROPN
asir-2213	335	5	.	.	PUNCT
asir-2213	336	1	demirgüç	demirgüç	PROPN
asir-2213	336	2	-	-	PUNCT
asir-2213	336	3	kunt	kunt	PROPN
asir-2213	336	4	,	,	PUNCT
asir-2213	336	5	a.	a.	NOUN
asir-2213	336	6	,	,	PUNCT
asir-2213	336	7	laeven	laeven	ADJ
asir-2213	336	8	,	,	PUNCT
asir-2213	336	9	l.	l.	PROPN
asir-2213	336	10	,	,	PUNCT
asir-2213	336	11	&	&	CCONJ
asir-2213	336	12	levine	levine	PROPN
asir-2213	336	13	,	,	PUNCT
asir-2213	336	14	r.	r.	PROPN
asir-2213	336	15	(	(	PUNCT
asir-2213	336	16	2004	2004	NUM
asir-2213	336	17	)	)	PUNCT
asir-2213	336	18	.	.	PUNCT
asir-2213	337	1	regulations	regulation	NOUN
asir-2213	337	2	,	,	PUNCT
asir-2213	337	3	market	market	NOUN
asir-2213	337	4	structure	structure	NOUN
asir-2213	337	5	,	,	PUNCT
asir-2213	337	6	institutions	institution	NOUN
asir-2213	337	7	,	,	PUNCT
asir-2213	337	8	and	and	CCONJ
asir-2213	337	9	the	the	DET
asir-2213	337	10	cost	cost	NOUN
asir-2213	337	11	of	of	ADP
asir-2213	337	12	financial	financial	ADJ
asir-2213	337	13	intermediation	intermediation	NOUN
asir-2213	337	14	.	.	PUNCT
asir-2213	338	1	journal	journal	NOUN
asir-2213	338	2	of	of	ADP
asir-2213	338	3	money	money	NOUN
asir-2213	338	4	,	,	PUNCT
asir-2213	338	5	credit	credit	NOUN
asir-2213	338	6	and	and	CCONJ
asir-2213	338	7	banking	banking	NOUN
asir-2213	338	8	,	,	PUNCT
asir-2213	338	9	36	36	NUM
asir-2213	338	10	,	,	PUNCT
asir-2213	338	11	593	593	NUM
asir-2213	338	12	-	-	SYM
asir-2213	338	13	622	622	NUM
asir-2213	338	14	.	.	PUNCT
asir-2213	339	1	https://doi.org/10.1353/mcb.2004.0045	https://doi.org/10.1353/mcb.2004.0045	PROPN
asir-2213	339	2	fry	fry	PROPN
asir-2213	339	3	,	,	PUNCT
asir-2213	339	4	m.	m.	NOUN
asir-2213	339	5	j.	j.	PROPN
asir-2213	339	6	(	(	PUNCT
asir-2213	339	7	1995	1995	NUM
asir-2213	339	8	)	)	PUNCT
asir-2213	339	9	.	.	PUNCT
asir-2213	340	1	money	money	NOUN
asir-2213	340	2	,	,	PUNCT
asir-2213	340	3	interest	interest	NOUN
asir-2213	340	4	,	,	PUNCT
asir-2213	340	5	and	and	CCONJ
asir-2213	340	6	banking	banking	NOUN
asir-2213	340	7	in	in	ADP
asir-2213	340	8	economic	economic	ADJ
asir-2213	340	9	development	development	NOUN
asir-2213	340	10	.	.	PUNCT
asir-2213	341	1	baltimore	baltimore	PROPN
asir-2213	341	2	and	and	CCONJ
asir-2213	341	3	london	london	PROPN
asir-2213	341	4	:	:	PUNCT
asir-2213	341	5	the	the	DET
asir-2213	341	6	john	john	PROPN
asir-2213	341	7	hopkins	hopkins	PROPN
asir-2213	341	8	university	university	PROPN
asir-2213	341	9	press	press	NOUN
asir-2213	341	10	.	.	PUNCT
asir-2213	342	1	gelos	gelos	PROPN
asir-2213	342	2	,	,	PUNCT
asir-2213	342	3	r.	r.	PROPN
asir-2213	342	4	g.	g.	PROPN
asir-2213	342	5	(	(	PUNCT
asir-2213	342	6	2006	2006	NUM
asir-2213	342	7	)	)	PUNCT
asir-2213	342	8	.	.	PUNCT
asir-2213	343	1	banking	banking	NOUN
asir-2213	343	2	spreads	spread	VERB
asir-2213	343	3	in	in	ADP
asir-2213	343	4	latin	latin	PROPN
asir-2213	343	5	america	america	PROPN
asir-2213	343	6	(	(	PUNCT
asir-2213	343	7	working	working	NOUN
asir-2213	343	8	paper	paper	NOUN
asir-2213	343	9	)	)	PUNCT
asir-2213	343	10	.	.	PUNCT
asir-2213	344	1	international	international	ADJ
asir-2213	344	2	monetary	monetary	ADJ
asir-2213	344	3	fund	fund	PROPN
asir-2213	344	4	,	,	PUNCT
asir-2213	344	5	washington	washington	PROPN
asir-2213	344	6	.	.	PUNCT
asir-2213	345	1	gujarati	gujarati	PROPN
asir-2213	345	2	,	,	PUNCT
asir-2213	345	3	d.	d.	PROPN
asir-2213	345	4	(	(	PUNCT
asir-2213	345	5	2003	2003	NUM
asir-2213	345	6	)	)	PUNCT
asir-2213	345	7	.	.	PUNCT
asir-2213	346	1	basic	basic	ADJ
asir-2213	346	2	econometrics	econometric	NOUN
asir-2213	346	3	(	(	PUNCT
asir-2213	346	4	4th	4th	ADJ
asir-2213	346	5	ed	ed	NOUN
asir-2213	346	6	.	.	PUNCT
asir-2213	346	7	)	)	PUNCT
asir-2213	346	8	.	.	PUNCT
asir-2213	347	1	new	new	PROPN
asir-2213	347	2	york	york	PROPN
asir-2213	347	3	:	:	PUNCT
asir-2213	347	4	mcgraw	mcgraw	PROPN
asir-2213	347	5	hill	hill	PROPN
asir-2213	347	6	.	.	PUNCT
asir-2213	348	1	hanweck	hanweck	PROPN
asir-2213	348	2	,	,	PUNCT
asir-2213	348	3	g.	g.	PROPN
asir-2213	348	4	,	,	PUNCT
asir-2213	348	5	&	&	CCONJ
asir-2213	348	6	ryu	ryu	PROPN
asir-2213	348	7	,	,	PUNCT
asir-2213	348	8	l.	l.	PROPN
asir-2213	348	9	(	(	PUNCT
asir-2213	348	10	2005	2005	NUM
asir-2213	348	11	)	)	PUNCT
asir-2213	348	12	.	.	PUNCT
asir-2213	349	1	the	the	DET
asir-2213	349	2	sensitivity	sensitivity	NOUN
asir-2213	349	3	of	of	ADP
asir-2213	349	4	bank	bank	PROPN
asir-2213	349	5	net	net	ADJ
asir-2213	349	6	interest	interest	NOUN
asir-2213	349	7	margins	margin	NOUN
asir-2213	349	8	and	and	CCONJ
asir-2213	349	9	profitability	profitability	NOUN
asir-2213	349	10	to	to	ADP
asir-2213	349	11	credit	credit	NOUN
asir-2213	349	12	,	,	PUNCT
asir-2213	349	13	interest	interest	NOUN
asir-2213	349	14	-	-	PUNCT
asir-2213	349	15	rate	rate	NOUN
asir-2213	349	16	,	,	PUNCT
asir-2213	349	17	and	and	CCONJ
asir-2213	349	18	structure	structure	NOUN
asir-2213	349	19	shocks	shock	NOUN
asir-2213	349	20	across	across	ADP
asir-2213	349	21	bank	bank	NOUN
asir-2213	349	22	product	product	NOUN
asir-2213	349	23	specialisations	specialisation	NOUN
asir-2213	349	24	(	(	PUNCT
asir-2213	349	25	fdic	fdic	PROPN
asir-2213	349	26	working	working	PROPN
asir-2213	349	27	paper	paper	NOUN
asir-2213	349	28	)	)	PUNCT
asir-2213	349	29	.	.	PUNCT
asir-2213	350	1	hawtrey	hawtrey	PROPN
asir-2213	350	2	,	,	PUNCT
asir-2213	350	3	k.	k.	PROPN
asir-2213	350	4	,	,	PUNCT
asir-2213	350	5	&	&	CCONJ
asir-2213	350	6	liang	liang	PROPN
asir-2213	350	7	,	,	PUNCT
asir-2213	350	8	h.	h.	PROPN
asir-2213	350	9	(	(	PUNCT
asir-2213	350	10	2008	2008	NUM
asir-2213	350	11	)	)	PUNCT
asir-2213	350	12	.	.	PUNCT
asir-2213	351	1	bank	bank	NOUN
asir-2213	351	2	interest	interest	NOUN
asir-2213	351	3	margins	margin	NOUN
asir-2213	351	4	in	in	ADP
asir-2213	351	5	oecd	oecd	PROPN
asir-2213	351	6	countries	country	NOUN
asir-2213	351	7	.	.	PUNCT
asir-2213	352	1	north	north	ADJ
asir-2213	352	2	american	american	PROPN
asir-2213	352	3	journal	journal	PROPN
asir-2213	352	4	of	of	ADP
asir-2213	352	5	economics	economic	NOUN
asir-2213	352	6	and	and	CCONJ
asir-2213	352	7	finance	finance	NOUN
asir-2213	352	8	,	,	PUNCT
asir-2213	352	9	19	19	NUM
asir-2213	352	10	,	,	PUNCT
asir-2213	352	11	249	249	NUM
asir-2213	352	12	-	-	SYM
asir-2213	352	13	260	260	NUM
asir-2213	352	14	.	.	PUNCT
asir-2213	353	1	https://doi.org/10.1016/j.najef.2008.07.003	https://doi.org/10.1016/j.najef.2008.07.003	NUM
asir-2213	353	2	ho	ho	PROPN
asir-2213	353	3	,	,	PUNCT
asir-2213	353	4	t.	t.	PROPN
asir-2213	353	5	s.	s.	PROPN
asir-2213	353	6	y.	y.	PROPN
asir-2213	353	7	,	,	PUNCT
asir-2213	353	8	&	&	CCONJ
asir-2213	353	9	saunders	saunders	PROPN
asir-2213	353	10	,	,	PUNCT
asir-2213	353	11	a.	a.	NOUN
asir-2213	353	12	(	(	PUNCT
asir-2213	353	13	1981	1981	NUM
asir-2213	353	14	)	)	PUNCT
asir-2213	353	15	.	.	PUNCT
asir-2213	354	1	the	the	DET
asir-2213	354	2	determinants	determinant	NOUN
asir-2213	354	3	of	of	ADP
asir-2213	354	4	bank	bank	NOUN
asir-2213	354	5	interest	interest	NOUN
asir-2213	354	6	margins	margin	NOUN
asir-2213	354	7	:	:	PUNCT
asir-2213	354	8	theory	theory	NOUN
asir-2213	354	9	and	and	CCONJ
asir-2213	354	10	empirical	empirical	ADJ
asir-2213	354	11	evidence	evidence	NOUN
asir-2213	354	12	.	.	PUNCT
asir-2213	355	1	journal	journal	NOUN
asir-2213	355	2	of	of	ADP
asir-2213	355	3	financial	financial	ADJ
asir-2213	355	4	and	and	CCONJ
asir-2213	355	5	quantitative	quantitative	ADJ
asir-2213	355	6	analysis	analysis	NOUN
asir-2213	355	7	,	,	PUNCT
asir-2213	355	8	16	16	NUM
asir-2213	355	9	,	,	PUNCT
asir-2213	355	10	581	581	NUM
asir-2213	355	11	-	-	SYM
asir-2213	355	12	600	600	NUM
asir-2213	355	13	.	.	PUNCT
asir-2213	356	1	https://doi.org/10.2307/2330377	https://doi.org/10.2307/2330377	PROPN
asir-2213	356	2	khawaja	khawaja	PROPN
asir-2213	356	3	,	,	PUNCT
asir-2213	356	4	i.	i.	PROPN
asir-2213	356	5	,	,	PUNCT
asir-2213	356	6	&	&	CCONJ
asir-2213	356	7	din	din	PROPN
asir-2213	356	8	,	,	PUNCT
asir-2213	356	9	m.	m.	NOUN
asir-2213	356	10	(	(	PUNCT
asir-2213	356	11	2007	2007	NUM
asir-2213	356	12	)	)	PUNCT
asir-2213	356	13	.	.	PUNCT
asir-2213	357	1	determinants	determinant	NOUN
asir-2213	357	2	of	of	ADP
asir-2213	357	3	interest	interest	NOUN
asir-2213	357	4	spread	spread	VERB
asir-2213	357	5	in	in	ADP
asir-2213	357	6	pakistan	pakistan	PROPN
asir-2213	357	7	(	(	PUNCT
asir-2213	357	8	working	working	NOUN
asir-2213	357	9	paper	paper	NOUN
asir-2213	357	10	)	)	PUNCT
asir-2213	357	11	.	.	PUNCT
asir-2213	358	1	pakistan	pakistan	PROPN
asir-2213	358	2	institute	institute	PROPN
asir-2213	358	3	of	of	ADP
asir-2213	358	4	development	development	PROPN
asir-2213	358	5	economics	economic	NOUN
asir-2213	358	6	(	(	PUNCT
asir-2213	358	7	pide	pide	PROPN
asir-2213	358	8	)	)	PUNCT
asir-2213	358	9	,	,	PUNCT
asir-2213	358	10	pakistan	pakistan	PROPN
asir-2213	358	11	.	.	PUNCT
asir-2213	359	1	maudos	maudo	NOUN
asir-2213	359	2	,	,	PUNCT
asir-2213	359	3	j.	j.	PROPN
asir-2213	359	4	,	,	PUNCT
asir-2213	359	5	&	&	CCONJ
asir-2213	359	6	fernández	fernández	PROPN
asir-2213	359	7	de	de	PROPN
asir-2213	359	8	guevara	guevara	PROPN
asir-2213	359	9	,	,	PUNCT
asir-2213	359	10	j.	j.	PROPN
asir-2213	359	11	(	(	PUNCT
asir-2213	359	12	2004	2004	NUM
asir-2213	359	13	)	)	PUNCT
asir-2213	359	14	.	.	PUNCT
asir-2213	360	1	factors	factor	NOUN
asir-2213	360	2	explaining	explain	VERB
asir-2213	360	3	the	the	DET
asir-2213	360	4	interest	interest	NOUN
asir-2213	360	5	margin	margin	NOUN
asir-2213	360	6	in	in	ADP
asir-2213	360	7	the	the	DET
asir-2213	360	8	banking	banking	NOUN
asir-2213	360	9	sectors	sector	NOUN
asir-2213	360	10	of	of	ADP
asir-2213	360	11	the	the	DET
asir-2213	360	12	european	european	PROPN
asir-2213	360	13	union	union	PROPN
asir-2213	360	14	.	.	PUNCT
asir-2213	361	1	journal	journal	PROPN
asir-2213	361	2	of	of	ADP
asir-2213	361	3	banking	banking	NOUN
asir-2213	361	4	and	and	CCONJ
asir-2213	361	5	finance	finance	NOUN
asir-2213	361	6	,	,	PUNCT
asir-2213	361	7	28	28	NUM
asir-2213	361	8	,	,	PUNCT
asir-2213	361	9	2259	2259	NUM
asir-2213	361	10	-	-	SYM
asir-2213	361	11	2281	2281	NUM
asir-2213	361	12	.	.	PUNCT
asir-2213	362	1	https://doi.org/10.1016/j.jbankfin.2003.09.004	https://doi.org/10.1016/j.jbankfin.2003.09.004	PROPN
asir-2213	362	2	mcshane	mcshane	PROPN
asir-2213	362	3	,	,	PUNCT
asir-2213	362	4	r.	r.	PROPN
asir-2213	362	5	w.	w.	PROPN
asir-2213	362	6	,	,	PUNCT
asir-2213	362	7	&	&	CCONJ
asir-2213	362	8	sharpe	sharpe	PROPN
asir-2213	362	9	,	,	PUNCT
asir-2213	362	10	i.	i.	PROPN
asir-2213	362	11	g.	g.	PROPN
asir-2213	362	12	(	(	PUNCT
asir-2213	362	13	1985	1985	NUM
asir-2213	362	14	)	)	PUNCT
asir-2213	362	15	.	.	PUNCT
asir-2213	363	1	a	a	DET
asir-2213	363	2	time	time	NOUN
asir-2213	363	3	series	series	PROPN
asir-2213	363	4	/	/	SYM
asir-2213	363	5	cross	cross	PROPN
asir-2213	363	6	section	section	NOUN
asir-2213	363	7	analysis	analysis	NOUN
asir-2213	363	8	of	of	ADP
asir-2213	363	9	the	the	DET
asir-2213	363	10	determinants	determinant	NOUN
asir-2213	363	11	of	of	ADP
asir-2213	363	12	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	363	13	applied	apply	VERB
asir-2213	363	14	science	science	NOUN
asir-2213	363	15	and	and	CCONJ
asir-2213	363	16	innovative	innovative	ADJ
asir-2213	363	17	research	research	NOUN
asir-2213	363	18	vol	vol	NOUN
asir-2213	363	19	.	.	PUNCT
asir-2213	364	1	3	3	NUM
asir-2213	364	2	,	,	PUNCT
asir-2213	364	3	no	no	INTJ
asir-2213	364	4	.	.	NOUN
asir-2213	364	5	3	3	NUM
asir-2213	364	6	,	,	PUNCT
asir-2213	364	7	2019	2019	NUM
asir-2213	364	8	150	150	NUM
asir-2213	364	9	published	publish	VERB
asir-2213	364	10	by	by	ADP
asir-2213	364	11	scholink	scholink	PROPN
asir-2213	364	12	inc	inc	PROPN
asir-2213	364	13	.	.	PROPN
asir-2213	365	1	australian	australian	ADJ
asir-2213	365	2	trading	trading	NOUN
asir-2213	365	3	bank	bank	NOUN
asir-2213	365	4	loan	loan	NOUN
asir-2213	365	5	/	/	SYM
asir-2213	365	6	deposit	deposit	NOUN
asir-2213	365	7	interest	interest	NOUN
asir-2213	365	8	margins	margin	NOUN
asir-2213	365	9	:	:	PUNCT
asir-2213	365	10	1962	1962	NUM
asir-2213	365	11	-	-	SYM
asir-2213	365	12	1981	1981	NUM
asir-2213	365	13	.	.	PUNCT
asir-2213	366	1	journal	journal	NOUN
asir-2213	366	2	of	of	ADP
asir-2213	366	3	banking	banking	NOUN
asir-2213	366	4	and	and	CCONJ
asir-2213	366	5	finance	finance	NOUN
asir-2213	366	6	,	,	PUNCT
asir-2213	366	7	9	9	NUM
asir-2213	366	8	,	,	PUNCT
asir-2213	366	9	115	115	NUM
asir-2213	366	10	-	-	SYM
asir-2213	366	11	136	136	NUM
asir-2213	366	12	.	.	PUNCT
asir-2213	367	1	https://doi.org/10.1016/0378-4266(85)90065-2	https://doi.org/10.1016/0378-4266(85)90065-2	PROPN
asir-2213	367	2	mlachila	mlachila	NOUN
asir-2213	367	3	,	,	PUNCT
asir-2213	367	4	m.	m.	NOUN
asir-2213	367	5	,	,	PUNCT
asir-2213	367	6	&	&	CCONJ
asir-2213	367	7	chirwa	chirwa	NOUN
asir-2213	367	8	,	,	PUNCT
asir-2213	367	9	e.	e.	PROPN
asir-2213	367	10	w.	w.	PROPN
asir-2213	367	11	(	(	PUNCT
asir-2213	367	12	2002	2002	NUM
asir-2213	367	13	)	)	PUNCT
asir-2213	367	14	.	.	PUNCT
asir-2213	368	1	financial	financial	ADJ
asir-2213	368	2	reforms	reform	NOUN
asir-2213	368	3	and	and	CCONJ
asir-2213	368	4	interest	interest	NOUN
asir-2213	368	5	rate	rate	NOUN
asir-2213	368	6	spreads	spread	VERB
asir-2213	368	7	in	in	ADP
asir-2213	368	8	the	the	DET
asir-2213	368	9	commercial	commercial	ADJ
asir-2213	368	10	banking	banking	NOUN
asir-2213	368	11	system	system	NOUN
asir-2213	368	12	in	in	ADP
asir-2213	368	13	malawi	malawi	PROPN
asir-2213	368	14	(	(	PUNCT
asir-2213	368	15	working	working	NOUN
asir-2213	368	16	paper	paper	NOUN
asir-2213	368	17	)	)	PUNCT
asir-2213	368	18	.	.	PUNCT
asir-2213	369	1	international	international	ADJ
asir-2213	369	2	monetary	monetary	ADJ
asir-2213	369	3	fund	fund	PROPN
asir-2213	369	4	,	,	PUNCT
asir-2213	369	5	washington	washington	PROPN
asir-2213	369	6	.	.	PUNCT
asir-2213	370	1	naceur	naceur	PROPN
asir-2213	370	2	,	,	PUNCT
asir-2213	370	3	s.	s.	PROPN
asir-2213	370	4	b.	b.	PROPN
asir-2213	370	5	,	,	PUNCT
asir-2213	370	6	&	&	CCONJ
asir-2213	370	7	goaied	goaie	VERB
asir-2213	370	8	,	,	PUNCT
asir-2213	370	9	m.	m.	NOUN
asir-2213	370	10	(	(	PUNCT
asir-2213	370	11	2005	2005	NUM
asir-2213	370	12	)	)	PUNCT
asir-2213	370	13	.	.	PUNCT
asir-2213	371	1	the	the	DET
asir-2213	371	2	determinants	determinant	NOUN
asir-2213	371	3	of	of	ADP
asir-2213	371	4	commercial	commercial	ADJ
asir-2213	371	5	bank	bank	NOUN
asir-2213	371	6	interest	interest	NOUN
asir-2213	371	7	margin	margin	NOUN
asir-2213	371	8	and	and	CCONJ
asir-2213	371	9	profitability	profitability	NOUN
asir-2213	371	10	:	:	PUNCT
asir-2213	371	11	evidence	evidence	NOUN
asir-2213	371	12	from	from	ADP
asir-2213	371	13	tunisia	tunisia	PROPN
asir-2213	371	14	.	.	PUNCT
asir-2213	372	1	social	social	ADJ
asir-2213	372	2	science	science	PROPN
asir-2213	372	3	research	research	NOUN
asir-2213	372	4	network	network	NOUN
asir-2213	372	5	[	[	X
asir-2213	372	6	on	on	ADP
asir-2213	372	7	-	-	PUNCT
asir-2213	372	8	line	line	NOUN
asir-2213	372	9	]	]	PUNCT
asir-2213	372	10	.	.	PUNCT
asir-2213	373	1	retrieved	retrieve	VERB
asir-2213	373	2	from	from	ADP
asir-2213	373	3	http://www.ssrn.com/abstract=856365	http://www.ssrn.com/abstract=856365	DET
asir-2213	373	4	ngugi	ngugi	PROPN
asir-2213	373	5	,	,	PUNCT
asir-2213	373	6	r.	r.	PROPN
asir-2213	373	7	w.	w.	PROPN
asir-2213	373	8	(	(	PUNCT
asir-2213	373	9	2001	2001	NUM
asir-2213	373	10	)	)	PUNCT
asir-2213	373	11	.	.	PUNCT
asir-2213	374	1	an	an	DET
asir-2213	374	2	empirical	empirical	ADJ
asir-2213	374	3	analysis	analysis	NOUN
asir-2213	374	4	of	of	ADP
asir-2213	374	5	interest	interest	NOUN
asir-2213	374	6	rate	rate	NOUN
asir-2213	374	7	spread	spread	VERB
asir-2213	374	8	in	in	ADP
asir-2213	374	9	kenya	kenya	PROPN
asir-2213	374	10	(	(	PUNCT
asir-2213	374	11	research	research	NOUN
asir-2213	374	12	paper	paper	NOUN
asir-2213	374	13	)	)	PUNCT
asir-2213	374	14	.	.	PUNCT
asir-2213	375	1	african	african	ADJ
asir-2213	375	2	economic	economic	ADJ
asir-2213	375	3	research	research	PROPN
asir-2213	375	4	consortium	consortium	PROPN
asir-2213	375	5	(	(	PUNCT
asir-2213	375	6	aerc	aerc	NOUN
asir-2213	375	7	)	)	PUNCT
asir-2213	375	8	,	,	PUNCT
asir-2213	375	9	kenya	kenya	PROPN
asir-2213	375	10	.	.	PUNCT
asir-2213	375	11	peria	peria	PROPN
asir-2213	375	12	,	,	PUNCT
asir-2213	375	13	m.	m.	NOUN
asir-2213	375	14	s.	s.	PROPN
asir-2213	375	15	m.	m.	PROPN
asir-2213	375	16	,	,	PUNCT
asir-2213	375	17	&	&	CCONJ
asir-2213	375	18	mody	mody	NOUN
asir-2213	375	19	,	,	PUNCT
asir-2213	375	20	a.	a.	NOUN
asir-2213	375	21	(	(	PUNCT
asir-2213	375	22	2004	2004	NUM
asir-2213	375	23	)	)	PUNCT
asir-2213	375	24	.	.	PUNCT
asir-2213	376	1	how	how	SCONJ
asir-2213	376	2	foreign	foreign	ADJ
asir-2213	376	3	participation	participation	NOUN
asir-2213	376	4	and	and	CCONJ
asir-2213	376	5	market	market	NOUN
asir-2213	376	6	concentration	concentration	NOUN
asir-2213	376	7	impact	impact	NOUN
asir-2213	376	8	bank	bank	NOUN
asir-2213	376	9	spreads	spread	VERB
asir-2213	376	10	:	:	PUNCT
asir-2213	376	11	evidence	evidence	NOUN
asir-2213	376	12	from	from	ADP
asir-2213	376	13	latin	latin	PROPN
asir-2213	376	14	america	america	PROPN
asir-2213	376	15	.	.	PUNCT
asir-2213	377	1	journal	journal	PROPN
asir-2213	377	2	of	of	ADP
asir-2213	377	3	money	money	NOUN
asir-2213	377	4	,	,	PUNCT
asir-2213	377	5	credit	credit	NOUN
asir-2213	377	6	and	and	CCONJ
asir-2213	377	7	banking	banking	NOUN
asir-2213	377	8	,	,	PUNCT
asir-2213	377	9	36	36	NUM
asir-2213	377	10	,	,	PUNCT
asir-2213	377	11	511	511	NUM
asir-2213	377	12	-	-	SYM
asir-2213	377	13	537	537	NUM
asir-2213	377	14	.	.	PUNCT
asir-2213	377	15	https://doi.org/10.1353/mcb.2004.0048	https://doi.org/10.1353/mcb.2004.0048	PROPN
asir-2213	377	16	randall	randall	PROPN
asir-2213	377	17	,	,	PUNCT
asir-2213	377	18	r.	r.	PROPN
asir-2213	377	19	(	(	PUNCT
asir-2213	377	20	1998	1998	NUM
asir-2213	377	21	)	)	PUNCT
asir-2213	377	22	.	.	PUNCT
asir-2213	378	1	interest	interest	NOUN
asir-2213	378	2	rate	rate	NOUN
asir-2213	378	3	spreads	spread	VERB
asir-2213	378	4	in	in	ADP
asir-2213	378	5	the	the	DET
asir-2213	378	6	eastern	eastern	ADJ
asir-2213	378	7	caribbean	caribbean	NOUN
asir-2213	378	8	(	(	PUNCT
asir-2213	378	9	working	working	NOUN
asir-2213	378	10	paper	paper	NOUN
asir-2213	378	11	)	)	PUNCT
asir-2213	378	12	.	.	PUNCT
asir-2213	379	1	international	international	ADJ
asir-2213	379	2	monetary	monetary	ADJ
asir-2213	379	3	fund	fund	PROPN
asir-2213	379	4	,	,	PUNCT
asir-2213	379	5	washington	washington	PROPN
asir-2213	379	6	.	.	PUNCT
asir-2213	380	1	samuel	samuel	PROPN
asir-2213	380	2	,	,	PUNCT
asir-2213	380	3	w.	w.	PROPN
asir-2213	380	4	,	,	PUNCT
asir-2213	380	5	&	&	CCONJ
asir-2213	380	6	valderrama	valderrama	PROPN
asir-2213	380	7	,	,	PUNCT
asir-2213	380	8	l.	l.	PROPN
asir-2213	380	9	(	(	PUNCT
asir-2213	380	10	2006	2006	NUM
asir-2213	380	11	)	)	PUNCT
asir-2213	380	12	.	.	PUNCT
asir-2213	381	1	the	the	DET
asir-2213	381	2	monetary	monetary	ADJ
asir-2213	381	3	policy	policy	NOUN
asir-2213	381	4	regime	regime	NOUN
asir-2213	381	5	and	and	CCONJ
asir-2213	381	6	banking	banking	NOUN
asir-2213	381	7	spreads	spread	VERB
asir-2213	381	8	in	in	ADP
asir-2213	381	9	barbados	barbado	NOUN
asir-2213	381	10	(	(	PUNCT
asir-2213	381	11	working	working	NOUN
asir-2213	381	12	paper	paper	NOUN
asir-2213	381	13	)	)	PUNCT
asir-2213	381	14	.	.	PUNCT
asir-2213	382	1	international	international	ADJ
asir-2213	382	2	monetary	monetary	ADJ
asir-2213	382	3	fund	fund	PROPN
asir-2213	382	4	,	,	PUNCT
asir-2213	382	5	washington	washington	PROPN
asir-2213	382	6	.	.	PUNCT
asir-2213	383	1	vera	vera	PROPN
asir-2213	383	2	,	,	PUNCT
asir-2213	383	3	l.	l.	PROPN
asir-2213	383	4	,	,	PUNCT
asir-2213	383	5	zambrano	zambrano	PROPN
asir-2213	383	6	-	-	PUNCT
asir-2213	383	7	sequin	sequin	PROPN
asir-2213	383	8	,	,	PUNCT
asir-2213	383	9	l.	l.	PROPN
asir-2213	383	10	,	,	PUNCT
asir-2213	383	11	&	&	CCONJ
asir-2213	383	12	faust	faust	PROPN
asir-2213	383	13	,	,	PUNCT
asir-2213	383	14	a.	a.	NOUN
asir-2213	383	15	(	(	PUNCT
asir-2213	383	16	2007	2007	NUM
asir-2213	383	17	)	)	PUNCT
asir-2213	383	18	.	.	PUNCT
asir-2213	384	1	the	the	DET
asir-2213	384	2	efficiency	efficiency	NOUN
asir-2213	384	3	-	-	PUNCT
asir-2213	384	4	stability	stability	NOUN
asir-2213	384	5	trade	trade	NOUN
asir-2213	384	6	-	-	PUNCT
asir-2213	384	7	off	off	NOUN
asir-2213	384	8	:	:	PUNCT
asir-2213	384	9	the	the	DET
asir-2213	384	10	case	case	NOUN
asir-2213	384	11	of	of	ADP
asir-2213	384	12	high	high	ADJ
asir-2213	384	13	interest	interest	NOUN
asir-2213	384	14	rate	rate	NOUN
asir-2213	384	15	spreads	spread	NOUN
asir-2213	384	16	in	in	ADP
asir-2213	384	17	venezuela	venezuela	PROPN
asir-2213	384	18	.	.	PUNCT
asir-2213	385	1	developing	develop	VERB
asir-2213	385	2	economies	economy	NOUN
asir-2213	385	3	,	,	PUNCT
asir-2213	385	4	xlv-1	xlv-1	X
asir-2213	385	5	,	,	PUNCT
asir-2213	385	6	1	1	NUM
asir-2213	385	7	-	-	SYM
asir-2213	385	8	26	26	NUM
asir-2213	385	9	.	.	PUNCT
asir-2213	386	1	https://doi.org/10.1111/j.1746-1049.2007.00028.x	https://doi.org/10.1111/j.1746-1049.2007.00028.x	PROPN
asir-2213	386	2	williams	williams	PROPN
asir-2213	386	3	,	,	PUNCT
asir-2213	386	4	b.	b.	PROPN
asir-2213	386	5	(	(	PUNCT
asir-2213	386	6	2007	2007	NUM
asir-2213	386	7	)	)	PUNCT
asir-2213	386	8	.	.	PUNCT
asir-2213	387	1	factors	factor	NOUN
asir-2213	387	2	determining	determine	VERB
asir-2213	387	3	net	net	ADJ
asir-2213	387	4	interest	interest	NOUN
asir-2213	387	5	margins	margin	NOUN
asir-2213	387	6	in	in	ADP
asir-2213	387	7	australia	australia	PROPN
asir-2213	387	8	:	:	PUNCT
asir-2213	387	9	domestic	domestic	ADJ
asir-2213	387	10	and	and	CCONJ
asir-2213	387	11	foreign	foreign	ADJ
asir-2213	387	12	banks	bank	NOUN
asir-2213	387	13	.	.	PUNCT
asir-2213	388	1	financial	financial	ADJ
asir-2213	388	2	markets	market	NOUN
asir-2213	388	3	,	,	PUNCT
asir-2213	388	4	institutions	institution	NOUN
asir-2213	388	5	and	and	CCONJ
asir-2213	388	6	instruments	instrument	NOUN
asir-2213	388	7	,	,	PUNCT
asir-2213	388	8	16	16	NUM
asir-2213	388	9	,	,	PUNCT
asir-2213	388	10	145	145	NUM
asir-2213	388	11	-	-	SYM
asir-2213	388	12	165	165	NUM
asir-2213	388	13	.	.	PUNCT
asir-2213	389	1	https://doi.org/10.1111/j.1468-0416.2007.00122.x	https://doi.org/10.1111/j.1468-0416.2007.00122.x	PROPN
asir-2213	389	2	notes	note	NOUN
asir-2213	389	3	note	note	VERB
asir-2213	389	4	1	1	X
asir-2213	389	5	.	.	PUNCT
asir-2213	390	1	each	each	DET
asir-2213	390	2	sector	sector	NOUN
asir-2213	390	3	was	be	AUX
asir-2213	390	4	accorded	accord	VERB
asir-2213	390	5	a	a	DET
asir-2213	390	6	different	different	ADJ
asir-2213	390	7	bank	bank	NOUN
asir-2213	390	8	lending	lending	NOUN
asir-2213	390	9	rate	rate	NOUN
asir-2213	390	10	previously	previously	ADV
asir-2213	390	11	.	.	PUNCT
asir-2213	391	1	in	in	ADP
asir-2213	391	2	this	this	DET
asir-2213	391	3	vein	vein	NOUN
asir-2213	391	4	,	,	PUNCT
asir-2213	391	5	the	the	DET
asir-2213	391	6	calculation	calculation	NOUN
asir-2213	391	7	of	of	ADP
asir-2213	391	8	bank	bank	NOUN
asir-2213	391	9	lending	lending	NOUN
asir-2213	391	10	rates	rate	NOUN
asir-2213	391	11	was	be	AUX
asir-2213	391	12	based	base	VERB
asir-2213	391	13	on	on	ADP
asir-2213	391	14	the	the	DET
asir-2213	391	15	average	average	NOUN
asir-2213	391	16	for	for	ADP
asir-2213	391	17	each	each	DET
asir-2213	391	18	sector	sector	NOUN
asir-2213	391	19	.	.	PUNCT
asir-2213	392	1	note	note	VERB
asir-2213	392	2	2	2	NUM
asir-2213	392	3	.	.	PUNCT
asir-2213	392	4	interest	interest	NOUN
asir-2213	392	5	rate	rate	NOUN
asir-2213	392	6	spread	spread	NOUN
asir-2213	392	7	is	be	AUX
asir-2213	392	8	defined	define	VERB
asir-2213	392	9	here	here	ADV
asir-2213	392	10	as	as	ADP
asir-2213	392	11	the	the	DET
asir-2213	392	12	difference	difference	NOUN
asir-2213	392	13	between	between	ADP
asir-2213	392	14	bank	bank	NOUN
asir-2213	392	15	lending	lending	NOUN
asir-2213	392	16	rate	rate	NOUN
asir-2213	392	17	and	and	CCONJ
asir-2213	392	18	bank	bank	NOUN
asir-2213	392	19	deposit	deposit	NOUN
asir-2213	392	20	rate	rate	NOUN
asir-2213	392	21	.	.	PUNCT
asir-2213	393	1	note	note	VERB
asir-2213	393	2	3	3	NUM
asir-2213	393	3	.	.	PUNCT
asir-2213	393	4	net	net	ADJ
asir-2213	393	5	interest	interest	NOUN
asir-2213	393	6	margin	margin	NOUN
asir-2213	393	7	is	be	AUX
asir-2213	393	8	defined	define	VERB
asir-2213	393	9	here	here	ADV
asir-2213	393	10	as	as	SCONJ
asir-2213	393	11	the	the	DET
asir-2213	393	12	difference	difference	NOUN
asir-2213	393	13	between	between	ADP
asir-2213	393	14	interest	interest	NOUN
asir-2213	393	15	income	income	NOUN
asir-2213	393	16	and	and	CCONJ
asir-2213	393	17	interest	interest	NOUN
asir-2213	393	18	expense	expense	NOUN
asir-2213	393	19	expressed	express	VERB
asir-2213	393	20	as	as	ADP
asir-2213	393	21	a	a	DET
asir-2213	393	22	ratio	ratio	NOUN
asir-2213	393	23	to	to	ADP
asir-2213	393	24	total	total	ADJ
asir-2213	393	25	assets	asset	NOUN
asir-2213	393	26	.	.	PUNCT
asir-2213	394	1	note	note	VERB
asir-2213	394	2	4	4	NUM
asir-2213	394	3	.	.	PUNCT
asir-2213	395	1	others	other	NOUN
asir-2213	395	2	,	,	PUNCT
asir-2213	395	3	such	such	ADJ
asir-2213	395	4	as	as	ADP
asir-2213	395	5	mcshane	mcshane	PROPN
asir-2213	395	6	and	and	CCONJ
asir-2213	395	7	sharpe	sharpe	PROPN
asir-2213	395	8	(	(	PUNCT
asir-2213	395	9	1985	1985	NUM
asir-2213	395	10	)	)	PUNCT
asir-2213	395	11	and	and	CCONJ
asir-2213	395	12	angbazo	angbazo	NOUN
asir-2213	395	13	(	(	PUNCT
asir-2213	395	14	1997	1997	NUM
asir-2213	395	15	)	)	PUNCT
asir-2213	395	16	have	have	AUX
asir-2213	395	17	also	also	ADV
asir-2213	395	18	extended	extend	VERB
asir-2213	395	19	the	the	DET
asir-2213	395	20	model	model	NOUN
asir-2213	395	21	of	of	ADP
asir-2213	395	22	ho	ho	PROPN
asir-2213	395	23	and	and	CCONJ
asir-2213	395	24	saunders	saunder	NOUN
asir-2213	395	25	(	(	PUNCT
asir-2213	395	26	1981	1981	NUM
asir-2213	395	27	)	)	PUNCT
asir-2213	395	28	by	by	ADP
asir-2213	395	29	incorporating	incorporate	VERB
asir-2213	395	30	indicators	indicator	NOUN
asir-2213	395	31	that	that	PRON
asir-2213	395	32	are	be	AUX
asir-2213	395	33	associated	associate	VERB
asir-2213	395	34	with	with	ADP
asir-2213	395	35	intermediation	intermediation	NOUN
asir-2213	395	36	.	.	PUNCT
asir-2213	396	1	note	note	NOUN
asir-2213	396	2	5	5	NUM
asir-2213	396	3	.	.	X
asir-2213	397	1	see	see	VERB
asir-2213	397	2	,	,	PUNCT
asir-2213	397	3	for	for	ADP
asir-2213	397	4	example	example	NOUN
asir-2213	397	5	,	,	PUNCT
asir-2213	397	6	barajas	barajas	PROPN
asir-2213	397	7	et	et	PROPN
asir-2213	397	8	al	al	PROPN
asir-2213	397	9	.	.	PROPN
asir-2213	398	1	(	(	PUNCT
asir-2213	398	2	2000	2000	NUM
asir-2213	398	3	)	)	PUNCT
asir-2213	398	4	,	,	PUNCT
asir-2213	398	5	demirgüç	demirgüç	PROPN
asir-2213	398	6	-	-	PUNCT
asir-2213	398	7	kunt	kunt	PROPN
asir-2213	398	8	et	et	PROPN
asir-2213	398	9	al	al	PROPN
asir-2213	398	10	.	.	PROPN
asir-2213	399	1	(	(	PUNCT
asir-2213	399	2	2004	2004	NUM
asir-2213	399	3	)	)	PUNCT
asir-2213	399	4	and	and	CCONJ
asir-2213	399	5	beck	beck	PROPN
asir-2213	399	6	and	and	CCONJ
asir-2213	399	7	hesse	hesse	PROPN
asir-2213	399	8	(	(	PUNCT
asir-2213	399	9	2009	2009	NUM
asir-2213	399	10	)	)	PUNCT
asir-2213	399	11	.	.	PUNCT
asir-2213	400	1	note	note	VERB
asir-2213	400	2	6	6	NUM
asir-2213	400	3	.	.	PUNCT
asir-2213	401	1	depreciation	depreciation	NOUN
asir-2213	401	2	reflects	reflect	VERB
asir-2213	401	3	the	the	DET
asir-2213	401	4	costs	cost	NOUN
asir-2213	401	5	incurred	incur	VERB
asir-2213	401	6	on	on	ADP
asir-2213	401	7	equipment	equipment	NOUN
asir-2213	401	8	and	and	CCONJ
asir-2213	401	9	other	other	ADJ
asir-2213	401	10	physical	physical	ADJ
asir-2213	401	11	infrastructure	infrastructure	NOUN
asir-2213	401	12	,	,	PUNCT
asir-2213	401	13	including	include	VERB
asir-2213	401	14	expenses	expense	NOUN
asir-2213	401	15	on	on	ADP
asir-2213	401	16	information	information	NOUN
asir-2213	401	17	and	and	CCONJ
asir-2213	401	18	communication	communication	NOUN
asir-2213	401	19	technology	technology	NOUN
asir-2213	401	20	(	(	PUNCT
asir-2213	401	21	ict	ict	PROPN
asir-2213	401	22	)	)	PUNCT
asir-2213	401	23	,	,	PUNCT
asir-2213	401	24	whilst	whilst	SCONJ
asir-2213	401	25	other	other	ADJ
asir-2213	401	26	operating	operating	NOUN
asir-2213	401	27	costs	cost	NOUN
asir-2213	401	28	reflect	reflect	VERB
asir-2213	401	29	the	the	DET
asir-2213	401	30	administrative	administrative	ADJ
asir-2213	401	31	expenses	expense	NOUN
asir-2213	401	32	,	,	PUNCT
asir-2213	401	33	advertising	advertising	NOUN
asir-2213	401	34	and	and	CCONJ
asir-2213	401	35	marketing	marketing	NOUN
asir-2213	401	36	,	,	PUNCT
asir-2213	401	37	travel	travel	NOUN
asir-2213	401	38	expenses	expense	NOUN
asir-2213	401	39	,	,	PUNCT
asir-2213	401	40	motor	motor	NOUN
asir-2213	401	41	vehicles	vehicle	NOUN
asir-2213	401	42	,	,	PUNCT
asir-2213	401	43	among	among	ADP
asir-2213	401	44	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	401	45	applied	apply	VERB
asir-2213	401	46	science	science	NOUN
asir-2213	401	47	and	and	CCONJ
asir-2213	401	48	innovative	innovative	ADJ
asir-2213	401	49	research	research	NOUN
asir-2213	401	50	vol	vol	NOUN
asir-2213	401	51	.	.	PUNCT
asir-2213	402	1	3	3	NUM
asir-2213	402	2	,	,	PUNCT
asir-2213	402	3	no	no	INTJ
asir-2213	402	4	.	.	NOUN
asir-2213	402	5	3	3	NUM
asir-2213	402	6	,	,	PUNCT
asir-2213	402	7	2019	2019	NUM
asir-2213	402	8	151	151	NUM
asir-2213	402	9	published	publish	VERB
asir-2213	402	10	by	by	ADP
asir-2213	402	11	scholink	scholink	PROPN
asir-2213	402	12	inc	inc	PROPN
asir-2213	402	13	.	.	PUNCT
asir-2213	402	14	others	other	NOUN
asir-2213	402	15	,	,	PUNCT
asir-2213	402	16	that	that	SCONJ
asir-2213	402	17	banks	bank	NOUN
asir-2213	402	18	incur	incur	VERB
asir-2213	402	19	on	on	ADP
asir-2213	402	20	their	their	PRON
asir-2213	402	21	operational	operational	ADJ
asir-2213	402	22	activities	activity	NOUN
asir-2213	402	23	.	.	PUNCT
asir-2213	403	1	note	note	VERB
asir-2213	403	2	7	7	NUM
asir-2213	403	3	.	.	PUNCT
asir-2213	404	1	the	the	DET
asir-2213	404	2	correlation	correlation	NOUN
asir-2213	404	3	matrix	matrix	NOUN
asir-2213	404	4	is	be	AUX
asir-2213	404	5	available	available	ADJ
asir-2213	404	6	on	on	ADP
asir-2213	404	7	request	request	NOUN
asir-2213	404	8	.	.	PUNCT
asir-2213	405	1	note	note	VERB
asir-2213	405	2	8	8	NUM
asir-2213	405	3	.	.	PUNCT
asir-2213	406	1	it	it	PRON
asir-2213	406	2	is	be	AUX
asir-2213	406	3	important	important	ADJ
asir-2213	406	4	to	to	PART
asir-2213	406	5	note	note	VERB
asir-2213	406	6	that	that	SCONJ
asir-2213	406	7	all	all	DET
asir-2213	406	8	these	these	DET
asir-2213	406	9	banks	bank	NOUN
asir-2213	406	10	in	in	ADP
asir-2213	406	11	ghana	ghana	PROPN
asir-2213	406	12	were	be	AUX
asir-2213	406	13	already	already	ADV
asir-2213	406	14	undertaking	undertake	VERB
asir-2213	406	15	some	some	DET
asir-2213	406	16	form	form	NOUN
asir-2213	406	17	of	of	ADP
asir-2213	406	18	commercial	commercial	ADJ
asir-2213	406	19	banking	banking	NOUN
asir-2213	406	20	activity	activity	NOUN
asir-2213	406	21	before	before	SCONJ
asir-2213	406	22	they	they	PRON
asir-2213	406	23	had	have	VERB
asir-2213	406	24	their	their	PRON
asir-2213	406	25	license	license	NOUN
asir-2213	406	26	changed	change	VERB
asir-2213	406	27	.	.	PUNCT
asir-2213	407	1	since	since	SCONJ
asir-2213	407	2	2003	2003	NUM
asir-2213	407	3	,	,	PUNCT
asir-2213	407	4	all	all	DET
asir-2213	407	5	the	the	DET
asir-2213	407	6	three	three	NUM
asir-2213	407	7	-	-	PUNCT
asir-2213	407	8	pillar	pillar	NOUN
asir-2213	407	9	banking	banking	NOUN
asir-2213	407	10	model	model	NOUN
asir-2213	407	11	—	—	PUNCT
asir-2213	407	12	commercial	commercial	ADJ
asir-2213	407	13	,	,	PUNCT
asir-2213	407	14	development	development	NOUN
asir-2213	407	15	and	and	CCONJ
asir-2213	407	16	merchant	merchant	NOUN
asir-2213	407	17	—	—	PUNCT
asir-2213	407	18	have	have	AUX
asir-2213	407	19	been	be	AUX
asir-2213	407	20	replaced	replace	VERB
asir-2213	407	21	by	by	ADP
asir-2213	407	22	universal	universal	ADJ
asir-2213	407	23	banking	banking	NOUN
asir-2213	407	24	.	.	PUNCT
asir-2213	408	1	appendix	appendix	ADJ
asir-2213	408	2	table	table	NOUN
asir-2213	408	3	a.1	a.1	PROPN
asir-2213	408	4	.	.	PUNCT
asir-2213	409	1	net	net	ADJ
asir-2213	409	2	interest	interest	NOUN
asir-2213	409	3	margins	margin	NOUN
asir-2213	409	4	across	across	ADP
asir-2213	409	5	selected	select	VERB
asir-2213	409	6	countries	country	NOUN
asir-2213	409	7	,	,	PUNCT
asir-2213	409	8	1997	1997	NUM
asir-2213	409	9	-	-	SYM
asir-2213	409	10	2006	2006	NUM
asir-2213	409	11	(	(	PUNCT
asir-2213	409	12	percent	percent	NOUN
asir-2213	409	13	)	)	PUNCT
asir-2213	409	14	period	period	NOUN
asir-2213	409	15	botswana	botswana	PROPN
asir-2213	409	16	ethiopia	ethiopia	PROPN
asir-2213	409	17	nigeria	nigeria	PROPN
asir-2213	409	18	tanzania	tanzania	PROPN
asir-2213	409	19	kenya	kenya	PROPN
asir-2213	409	20	ghana	ghana	PROPN
asir-2213	409	21	1997	1997	NUM
asir-2213	409	22	6.56	6.56	NUM
asir-2213	409	23	3.19	3.19	NUM
asir-2213	409	24	10.47	10.47	NUM
asir-2213	409	25	5.35	5.35	NUM
asir-2213	409	26	6.90	6.90	NUM
asir-2213	409	27	11.36	11.36	NUM
asir-2213	409	28	1998	1998	NUM
asir-2213	409	29	6.05	6.05	NUM
asir-2213	409	30	2.85	2.85	NUM
asir-2213	409	31	10.05	10.05	NUM
asir-2213	409	32	5.48	5.48	NUM
asir-2213	409	33	7.93	7.93	NUM
asir-2213	409	34	13.37	13.37	NUM
asir-2213	409	35	1999	1999	NUM
asir-2213	409	36	22.02	22.02	NUM
asir-2213	409	37	2.67	2.67	NUM
asir-2213	409	38	7.85	7.85	NUM
asir-2213	409	39	6.46	6.46	NUM
asir-2213	409	40	8.26	8.26	NUM
asir-2213	409	41	9.89	9.89	NUM
asir-2213	409	42	2000	2000	NUM
asir-2213	409	43	8.17	8.17	NUM
asir-2213	409	44	3.02	3.02	NUM
asir-2213	409	45	8.45	8.45	NUM
asir-2213	409	46	7.85	7.85	NUM
asir-2213	409	47	7.58	7.58	NUM
asir-2213	409	48	8.73	8.73	NUM
asir-2213	409	49	2001	2001	NUM
asir-2213	409	50	5.62	5.62	NUM
asir-2213	409	51	4.29	4.29	NUM
asir-2213	409	52	10.69	10.69	NUM
asir-2213	409	53	7.11	7.11	NUM
asir-2213	409	54	8.32	8.32	NUM
asir-2213	409	55	9.06	9.06	NUM
asir-2213	409	56	2002	2002	NUM
asir-2213	409	57	6.02	6.02	NUM
asir-2213	409	58	3.08	3.08	NUM
asir-2213	409	59	10.35	10.35	NUM
asir-2213	409	60	5.18	5.18	NUM
asir-2213	409	61	8.28	8.28	NUM
asir-2213	409	62	7.72	7.72	NUM
asir-2213	409	63	2003	2003	NUM
asir-2213	409	64	6.34	6.34	NUM
asir-2213	409	65	2.85	2.85	NUM
asir-2213	409	66	9.16	9.16	NUM
asir-2213	409	67	5.25	5.25	NUM
asir-2213	409	68	7.18	7.18	NUM
asir-2213	409	69	10.80	10.80	NUM
asir-2213	409	70	2004	2004	NUM
asir-2213	409	71	5.74	5.74	NUM
asir-2213	409	72	3.26	3.26	NUM
asir-2213	409	73	8.45	8.45	NUM
asir-2213	409	74	5.63	5.63	NUM
asir-2213	409	75	6.99	6.99	NUM
asir-2213	409	76	10.26	10.26	NUM
asir-2213	409	77	2005	2005	NUM
asir-2213	409	78	4.99	4.99	NUM
asir-2213	409	79	3.14	3.14	NUM
asir-2213	409	80	6.42	6.42	NUM
asir-2213	409	81	6.85	6.85	NUM
asir-2213	409	82	7.14	7.14	NUM
asir-2213	409	83	10.99	10.99	NUM
asir-2213	409	84	2006	2006	NUM
asir-2213	409	85	3.56	3.56	NUM
asir-2213	409	86	4.04	4.04	NUM
asir-2213	409	87	5.55	5.55	NUM
asir-2213	409	88	7.30	7.30	NUM
asir-2213	409	89	7.42	7.42	NUM
asir-2213	409	90	8.25	8.25	NUM
asir-2213	409	91	source	source	NOUN
asir-2213	409	92	:	:	PUNCT
asir-2213	409	93	updated	update	VERB
asir-2213	409	94	version	version	NOUN
asir-2213	409	95	of	of	ADP
asir-2213	409	96	the	the	DET
asir-2213	409	97	financial	financial	ADJ
asir-2213	409	98	structure	structure	NOUN
asir-2213	409	99	database	database	NOUN
asir-2213	409	100	,	,	PUNCT
asir-2213	409	101	as	as	SCONJ
asir-2213	409	102	described	describe	VERB
asir-2213	409	103	in	in	ADP
asir-2213	409	104	beck	beck	PROPN
asir-2213	409	105	et	et	PROPN
asir-2213	409	106	al	al	PROPN
asir-2213	409	107	.	.	PROPN
asir-2213	409	108	(	(	PUNCT
asir-2213	409	109	2000	2000	NUM
asir-2213	409	110	)	)	PUNCT
asir-2213	409	111	.	.	PUNCT
asir-2213	410	1	figure	figure	NOUN
asir-2213	410	2	a.1	a.1	NOUN
asir-2213	410	3	.	.	PUNCT
asir-2213	411	1	annual	annual	ADJ
asir-2213	411	2	average	average	ADJ
asir-2213	411	3	inflation	inflation	NOUN
asir-2213	411	4	,	,	PUNCT
asir-2213	411	5	1991	1991	NUM
asir-2213	411	6	-	-	SYM
asir-2213	411	7	2006	2006	NUM
asir-2213	411	8	source	source	NOUN
asir-2213	411	9	:	:	PUNCT
asir-2213	411	10	imf	imf	PROPN
asir-2213	411	11	,	,	PUNCT
asir-2213	411	12	weo	weo	PROPN
asir-2213	411	13	database	database	NOUN
asir-2213	411	14	.	.	PUNCT
asir-2213	411	15	0	0	NUM
asir-2213	412	1	10	10	NUM
asir-2213	412	2	20	20	NUM
asir-2213	412	3	30	30	NUM
asir-2213	412	4	40	40	NUM
asir-2213	412	5	50	50	NUM
asir-2213	412	6	60	60	NUM
asir-2213	412	7	70	70	NUM
asir-2213	412	8	p	p	NOUN
asir-2213	412	9	e	e	PROPN
asir-2213	412	10	rc	rc	PROPN
asir-2213	412	11	e	e	PROPN
asir-2213	412	12	n	n	PROPN
asir-2213	412	13	t	t	PROPN
asir-2213	412	14	period	period	NOUN
asir-2213	412	15	observed	observe	VERB
asir-2213	412	16	trend	trend	NOUN
asir-2213	412	17	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2213	412	18	applied	apply	VERB
asir-2213	412	19	science	science	NOUN
asir-2213	412	20	and	and	CCONJ
asir-2213	412	21	innovative	innovative	ADJ
asir-2213	412	22	research	research	NOUN
asir-2213	412	23	vol	vol	NOUN
asir-2213	412	24	.	.	PUNCT
asir-2213	413	1	3	3	NUM
asir-2213	413	2	,	,	PUNCT
asir-2213	413	3	no	no	INTJ
asir-2213	413	4	.	.	NOUN
asir-2213	413	5	3	3	NUM
asir-2213	413	6	,	,	PUNCT
asir-2213	413	7	2019	2019	NUM
asir-2213	413	8	152	152	NUM
asir-2213	413	9	published	publish	VERB
asir-2213	413	10	by	by	ADP
asir-2213	413	11	scholink	scholink	PROPN
asir-2213	413	12	inc	inc	PROPN
asir-2213	413	13	.	.	PROPN
asir-2213	413	14	figure	figure	PROPN
asir-2213	413	15	a.2	a.2	PROPN
asir-2213	413	16	.	.	PUNCT
asir-2213	414	1	financial	financial	ADJ
asir-2213	414	2	depth	depth	NOUN
asir-2213	414	3	,	,	PUNCT
asir-2213	414	4	1991	1991	NUM
asir-2213	414	5	-	-	SYM
asir-2213	414	6	2006	2006	NUM
asir-2213	414	7	source	source	NOUN
asir-2213	414	8	:	:	PUNCT
asir-2213	414	9	author	author	NOUN
asir-2213	414	10	’s	’s	PART
asir-2213	414	11	estimates	estimate	NOUN
asir-2213	414	12	from	from	ADP
asir-2213	414	13	imf	imf	PROPN
asir-2213	414	14	,	,	PUNCT
asir-2213	414	15	ifs	ifs	PROPN
asir-2213	414	16	/	/	SYM
asir-2213	414	17	weo	weo	PROPN
asir-2213	414	18	databases	database	NOUN
asir-2213	414	19	.	.	PUNCT
asir-2213	415	1	figure	figure	VERB
asir-2213	415	2	a.3	a.3	NOUN
asir-2213	415	3	.	.	PUNCT
asir-2213	416	1	lending	lending	NOUN
asir-2213	416	2	rate	rate	NOUN
asir-2213	416	3	and	and	CCONJ
asir-2213	416	4	interest	interest	NOUN
asir-2213	416	5	rate	rate	NOUN
asir-2213	416	6	spread	spread	VERB
asir-2213	416	7	,	,	PUNCT
asir-2213	416	8	1991	1991	NUM
asir-2213	416	9	-	-	SYM
asir-2213	416	10	2006	2006	NUM
asir-2213	416	11	source	source	NOUN
asir-2213	416	12	:	:	PUNCT
asir-2213	416	13	imf	imf	PROPN
asir-2213	416	14	country	country	PROPN
asir-2213	416	15	reports	report	NOUN
asir-2213	416	16	&	&	CCONJ
asir-2213	416	17	bank	bank	PROPN
asir-2213	416	18	of	of	ADP
asir-2213	416	19	ghana	ghana	PROPN
asir-2213	416	20	annual	annual	ADJ
asir-2213	416	21	reports	report	NOUN
asir-2213	416	22	(	(	PUNCT
asir-2213	416	23	various	various	ADJ
asir-2213	416	24	issues	issue	NOUN
asir-2213	416	25	)	)	PUNCT
asir-2213	416	26	;	;	PUNCT
asir-2213	416	27	author	author	PROPN
asir-2213	416	28	’s	’s	PART
asir-2213	416	29	estimation	estimation	NOUN
asir-2213	416	30	of	of	ADP
asir-2213	416	31	spread	spread	NOUN
asir-2213	416	32	were	be	AUX
asir-2213	416	33	based	base	VERB
asir-2213	416	34	on	on	ADP
asir-2213	416	35	these	these	DET
asir-2213	416	36	sources	source	NOUN
asir-2213	416	37	and	and	CCONJ
asir-2213	416	38	the	the	DET
asir-2213	416	39	deposit	deposit	NOUN
asir-2213	416	40	rates	rate	NOUN
asir-2213	416	41	from	from	ADP
asir-2213	416	42	the	the	DET
asir-2213	416	43	imf	imf	PROPN
asir-2213	416	44	,	,	PUNCT
asir-2213	416	45	ifs	ifs	PROPN
asir-2213	416	46	.	.	PROPN
asir-2213	416	47	figure	figure	PROPN
asir-2213	416	48	a.4	a.4	PROPN
asir-2213	416	49	.	.	PUNCT
asir-2213	417	1	net	net	ADJ
asir-2213	417	2	interest	interest	NOUN
asir-2213	417	3	margin	margin	NOUN
asir-2213	417	4	,	,	PUNCT
asir-2213	417	5	1997	1997	NUM
asir-2213	417	6	-	-	SYM
asir-2213	417	7	2006	2006	NUM
asir-2213	417	8	source	source	NOUN
asir-2213	417	9	:	:	PUNCT
asir-2213	417	10	author	author	NOUN
asir-2213	417	11	’s	’s	PART
asir-2213	417	12	estimates	estimate	NOUN
asir-2213	417	13	from	from	ADP
asir-2213	417	14	bank	bank	PROPN
asir-2213	417	15	of	of	ADP
asir-2213	417	16	ghana	ghana	PROPN
asir-2213	417	17	(	(	PUNCT
asir-2213	417	18	bog	bog	NOUN
asir-2213	417	19	)	)	PUNCT
asir-2213	417	20	database	database	NOUN
asir-2213	417	21	.	.	PUNCT
asir-2213	417	22	0	0	NUM
asir-2213	418	1	10	10	NUM
asir-2213	418	2	20	20	NUM
asir-2213	418	3	30	30	NUM
asir-2213	418	4	40	40	NUM
asir-2213	418	5	50	50	NUM
asir-2213	418	6	60	60	NUM
asir-2213	418	7	p	p	X
asir-2213	418	8	e	e	PROPN
asir-2213	418	9	rc	rc	PROPN
asir-2213	418	10	e	e	PROPN
asir-2213	418	11	n	n	PROPN
asir-2213	418	12	t	t	PROPN
asir-2213	418	13	period	period	NOUN
asir-2213	418	14	m2	m2	PROPN
asir-2213	418	15	/	/	SYM
asir-2213	418	16	gdp	gdp	NOUN
asir-2213	418	17	private	private	ADJ
asir-2213	418	18	sector	sector	NOUN
asir-2213	418	19	credit	credit	NOUN
asir-2213	418	20	/	/	SYM
asir-2213	418	21	gdp	gdp	NOUN
asir-2213	418	22	private	private	ADJ
asir-2213	418	23	sector	sector	NOUN
asir-2213	418	24	credit	credit	NOUN
asir-2213	418	25	/	/	SYM
asir-2213	418	26	total	total	ADJ
asir-2213	418	27	domestic	domestic	ADJ
asir-2213	418	28	credit	credit	NOUN
asir-2213	418	29	0	0	NUM
asir-2213	418	30	10	10	NUM
asir-2213	418	31	20	20	NUM
asir-2213	418	32	30	30	NUM
asir-2213	418	33	40	40	NUM
asir-2213	418	34	50	50	NUM
asir-2213	418	35	p	p	X
asir-2213	418	36	e	e	X
asir-2213	418	37	rc	rc	PROPN
asir-2213	418	38	e	e	PROPN
asir-2213	418	39	n	n	PROPN
asir-2213	418	40	t	t	PROPN
asir-2213	418	41	period	period	NOUN
asir-2213	418	42	lending	lending	NOUN
asir-2213	418	43	rate	rate	NOUN
asir-2213	418	44	spread	spread	VERB
asir-2213	418	45	trend	trend	NOUN
asir-2213	418	46	0	0	NUM
asir-2213	418	47	2	2	NUM
asir-2213	418	48	4	4	NUM
asir-2213	418	49	6	6	NUM
asir-2213	418	50	8	8	NUM
asir-2213	418	51	10	10	NUM
asir-2213	418	52	12	12	NUM
asir-2213	418	53	p	p	X
asir-2213	418	54	e	e	PROPN
asir-2213	418	55	rc	rc	PROPN
asir-2213	418	56	e	e	PROPN
asir-2213	418	57	n	n	PROPN
asir-2213	418	58	t	t	PROPN
asir-2213	418	59	period	period	NOUN
asir-2213	418	60	observed	observe	VERB
asir-2213	418	61	trend	trend	NOUN