id	sid	tid	token	lemma	pos
asir-2255	1	1	applied	apply	VERB
asir-2255	1	2	science	science	NOUN
asir-2255	1	3	and	and	CCONJ
asir-2255	1	4	innovative	innovative	ADJ
asir-2255	1	5	research	research	NOUN
asir-2255	1	6	issn	issn	VERB
asir-2255	1	7	2474	2474	NUM
asir-2255	1	8	-	-	SYM
asir-2255	1	9	4972	4972	NUM
asir-2255	1	10	(	(	PUNCT
asir-2255	1	11	print	print	NOUN
asir-2255	1	12	)	)	PUNCT
asir-2255	1	13	issn	issn	VERB
asir-2255	1	14	2474	2474	NUM
asir-2255	1	15	-	-	SYM
asir-2255	1	16	4980	4980	NUM
asir-2255	1	17	(	(	PUNCT
asir-2255	1	18	online	online	ADJ
asir-2255	1	19	)	)	PUNCT
asir-2255	1	20	vol	vol	NOUN
asir-2255	1	21	.	.	PROPN
asir-2255	2	1	3	3	NUM
asir-2255	2	2	,	,	PUNCT
asir-2255	2	3	no	no	INTJ
asir-2255	2	4	.	.	NOUN
asir-2255	2	5	3	3	NUM
asir-2255	2	6	,	,	PUNCT
asir-2255	2	7	2019	2019	NUM
asir-2255	2	8	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	2	9	190	190	NUM
asir-2255	2	10	original	original	ADJ
asir-2255	2	11	paper	paper	NOUN
asir-2255	2	12	cost	cost	NOUN
asir-2255	2	13	efficiency	efficiency	NOUN
asir-2255	2	14	of	of	ADP
asir-2255	2	15	the	the	DET
asir-2255	2	16	ghanaian	ghanaian	ADJ
asir-2255	2	17	banking	banking	NOUN
asir-2255	2	18	sector	sector	NOUN
asir-2255	2	19	:	:	PUNCT
asir-2255	2	20	the	the	DET
asir-2255	2	21	post	post	ADJ
asir-2255	2	22	-	-	ADJ
asir-2255	2	23	liberalisation	liberalisation	ADJ
asir-2255	2	24	experience	experience	NOUN
asir-2255	2	25	elvis	elvis	PROPN
asir-2255	2	26	cornerstone1	cornerstone1	PROPN
asir-2255	2	27	*	*	PROPN
asir-2255	2	28	1	1	NUM
asir-2255	2	29	bangor	bangor	PROPN
asir-2255	2	30	business	business	NOUN
asir-2255	2	31	school	school	PROPN
asir-2255	2	32	,	,	PUNCT
asir-2255	2	33	bangor	bangor	PROPN
asir-2255	2	34	university	university	PROPN
asir-2255	2	35	,	,	PUNCT
asir-2255	2	36	bangor	bangor	NOUN
asir-2255	2	37	,	,	PUNCT
asir-2255	2	38	gwynedd	gwynedd	PROPN
asir-2255	2	39	,	,	PUNCT
asir-2255	2	40	ll57	ll57	PROPN
asir-2255	2	41	2dg	2dg	NOUN
asir-2255	2	42	,	,	PUNCT
asir-2255	2	43	uk	uk	PROPN
asir-2255	2	44	received	receive	VERB
asir-2255	2	45	:	:	PUNCT
asir-2255	2	46	february	february	PROPN
asir-2255	2	47	17	17	NUM
asir-2255	2	48	,	,	PUNCT
asir-2255	2	49	2019	2019	NUM
asir-2255	2	50	accepted	accept	VERB
asir-2255	2	51	:	:	PUNCT
asir-2255	2	52	march	march	PROPN
asir-2255	2	53	2	2	NUM
asir-2255	2	54	,	,	PUNCT
asir-2255	2	55	2019	2019	NUM
asir-2255	2	56	online	online	ADV
asir-2255	2	57	published	publish	VERB
asir-2255	2	58	:	:	PUNCT
asir-2255	2	59	august	august	PROPN
asir-2255	2	60	27	27	NUM
asir-2255	2	61	,	,	PUNCT
asir-2255	2	62	2019	2019	NUM
asir-2255	2	63	doi:10.22158	doi:10.22158	NOUN
asir-2255	2	64	/	/	SYM
asir-2255	2	65	asir.v3n3p190	asir.v3n3p190	NOUN
asir-2255	2	66	url	url	NOUN
asir-2255	2	67	:	:	PUNCT
asir-2255	3	1	http://dx.doi.org/10.22158/asir.v3n3p190	http://dx.doi.org/10.22158/asir.v3n3p190	ADJ
asir-2255	3	2	abstract	abstract	ADJ
asir-2255	3	3	using	use	VERB
asir-2255	3	4	data	datum	NOUN
asir-2255	3	5	from	from	ADP
asir-2255	3	6	1997	1997	NUM
asir-2255	3	7	to	to	ADP
asir-2255	3	8	2008	2008	NUM
asir-2255	3	9	,	,	PUNCT
asir-2255	3	10	this	this	DET
asir-2255	3	11	paper	paper	NOUN
asir-2255	3	12	investigates	investigate	VERB
asir-2255	3	13	the	the	DET
asir-2255	3	14	cost	cost	NOUN
asir-2255	3	15	efficiency	efficiency	NOUN
asir-2255	3	16	of	of	ADP
asir-2255	3	17	the	the	DET
asir-2255	3	18	ghanaian	ghanaian	ADJ
asir-2255	3	19	banking	banking	NOUN
asir-2255	3	20	sector	sector	NOUN
asir-2255	3	21	after	after	ADP
asir-2255	3	22	financial	financial	ADJ
asir-2255	3	23	liberalisation	liberalisation	NOUN
asir-2255	3	24	.	.	PUNCT
asir-2255	4	1	the	the	DET
asir-2255	4	2	ghanaian	ghanaian	ADJ
asir-2255	4	3	bank	bank	NOUN
asir-2255	4	4	with	with	ADP
asir-2255	4	5	the	the	DET
asir-2255	4	6	highest	high	ADJ
asir-2255	4	7	efficiency	efficiency	NOUN
asir-2255	4	8	score	score	NOUN
asir-2255	4	9	is	be	AUX
asir-2255	4	10	found	find	VERB
asir-2255	4	11	to	to	PART
asir-2255	4	12	be	be	AUX
asir-2255	4	13	operating	operate	VERB
asir-2255	4	14	at	at	ADP
asir-2255	4	15	maximum	maximum	ADJ
asir-2255	4	16	possible	possible	ADJ
asir-2255	4	17	efficiency	efficiency	NOUN
asir-2255	4	18	.	.	PUNCT
asir-2255	5	1	the	the	DET
asir-2255	5	2	average	average	ADJ
asir-2255	5	3	bank	bank	NOUN
asir-2255	5	4	is	be	AUX
asir-2255	5	5	however	however	ADV
asir-2255	5	6	operating	operate	VERB
asir-2255	5	7	at	at	ADP
asir-2255	5	8	high	high	ADJ
asir-2255	5	9	costs	cost	NOUN
asir-2255	5	10	.	.	PUNCT
asir-2255	6	1	despite	despite	SCONJ
asir-2255	6	2	mixed	mixed	ADJ
asir-2255	6	3	evidence	evidence	NOUN
asir-2255	6	4	in	in	ADP
asir-2255	6	5	the	the	DET
asir-2255	6	6	literature	literature	NOUN
asir-2255	6	7	,	,	PUNCT
asir-2255	6	8	there	there	PRON
asir-2255	6	9	is	be	VERB
asir-2255	6	10	the	the	DET
asir-2255	6	11	received	receive	VERB
asir-2255	6	12	wisdom	wisdom	NOUN
asir-2255	6	13	that	that	SCONJ
asir-2255	6	14	most	most	ADJ
asir-2255	6	15	cross	cross	ADJ
asir-2255	6	16	-	-	ADJ
asir-2255	6	17	border	border	ADJ
asir-2255	6	18	mergers	merger	NOUN
asir-2255	6	19	and	and	CCONJ
asir-2255	6	20	acquisitions	acquisition	NOUN
asir-2255	6	21	post	post	ADJ
asir-2255	6	22	-	-	ADJ
asir-2255	6	23	liberalisation	liberalisation	ADJ
asir-2255	6	24	result	result	NOUN
asir-2255	6	25	in	in	ADP
asir-2255	6	26	failure	failure	NOUN
asir-2255	6	27	due	due	ADP
asir-2255	6	28	to	to	ADP
asir-2255	6	29	factors	factor	NOUN
asir-2255	6	30	that	that	PRON
asir-2255	6	31	include	include	VERB
asir-2255	6	32	poor	poor	ADJ
asir-2255	6	33	credit	credit	NOUN
asir-2255	6	34	quality	quality	NOUN
asir-2255	6	35	,	,	PUNCT
asir-2255	6	36	inadequate	inadequate	ADJ
asir-2255	6	37	generation	generation	NOUN
asir-2255	6	38	of	of	ADP
asir-2255	6	39	fee	fee	NOUN
asir-2255	6	40	income	income	NOUN
asir-2255	6	41	,	,	PUNCT
asir-2255	6	42	and	and	CCONJ
asir-2255	6	43	poor	poor	ADJ
asir-2255	6	44	customer	customer	NOUN
asir-2255	6	45	mix	mix	NOUN
asir-2255	6	46	.	.	PUNCT
asir-2255	7	1	in	in	ADP
asir-2255	7	2	ghana	ghana	PROPN
asir-2255	7	3	,	,	PUNCT
asir-2255	7	4	the	the	DET
asir-2255	7	5	situation	situation	NOUN
asir-2255	7	6	is	be	AUX
asir-2255	7	7	different	different	ADJ
asir-2255	7	8	because	because	SCONJ
asir-2255	7	9	the	the	DET
asir-2255	7	10	only	only	ADJ
asir-2255	7	11	foreign	foreign	ADJ
asir-2255	7	12	-	-	PUNCT
asir-2255	7	13	acquired	acquire	VERB
asir-2255	7	14	bank	bank	NOUN
asir-2255	7	15	had	have	VERB
asir-2255	7	16	prior	prior	ADJ
asir-2255	7	17	knowledge	knowledge	NOUN
asir-2255	7	18	of	of	ADP
asir-2255	7	19	the	the	DET
asir-2255	7	20	local	local	ADJ
asir-2255	7	21	conditions	condition	NOUN
asir-2255	7	22	and	and	CCONJ
asir-2255	7	23	has	have	AUX
asir-2255	7	24	managed	manage	VERB
asir-2255	7	25	to	to	PART
asir-2255	7	26	utilise	utilise	VERB
asir-2255	7	27	this	this	DET
asir-2255	7	28	advantage	advantage	NOUN
asir-2255	7	29	,	,	PUNCT
asir-2255	7	30	coupled	couple	VERB
asir-2255	7	31	with	with	ADP
asir-2255	7	32	redundancy	redundancy	NOUN
asir-2255	7	33	programmes	programme	NOUN
asir-2255	7	34	and	and	CCONJ
asir-2255	7	35	layoffs	layoff	NOUN
asir-2255	7	36	and	and	CCONJ
asir-2255	7	37	without	without	ADP
asir-2255	7	38	branch	branch	NOUN
asir-2255	7	39	expansion	expansion	NOUN
asir-2255	7	40	following	follow	VERB
asir-2255	7	41	the	the	DET
asir-2255	7	42	acquisition	acquisition	NOUN
asir-2255	7	43	,	,	PUNCT
asir-2255	7	44	to	to	PART
asir-2255	7	45	operate	operate	VERB
asir-2255	7	46	at	at	ADP
asir-2255	7	47	a	a	DET
asir-2255	7	48	relatively	relatively	ADV
asir-2255	7	49	high	high	ADJ
asir-2255	7	50	level	level	NOUN
asir-2255	7	51	of	of	ADP
asir-2255	7	52	cost	cost	NOUN
asir-2255	7	53	efficiency	efficiency	NOUN
asir-2255	7	54	.	.	PUNCT
asir-2255	8	1	keywords	keyword	NOUN
asir-2255	8	2	cost	cost	VERB
asir-2255	8	3	efficiency	efficiency	NOUN
asir-2255	8	4	,	,	PUNCT
asir-2255	8	5	banks	bank	NOUN
asir-2255	8	6	,	,	PUNCT
asir-2255	8	7	financial	financial	ADJ
asir-2255	8	8	liberalisation	liberalisation	NOUN
asir-2255	8	9	,	,	PUNCT
asir-2255	8	10	governance	governance	NOUN
asir-2255	8	11	,	,	PUNCT
asir-2255	8	12	size	size	NOUN
asir-2255	8	13	jel	jel	PROPN
asir-2255	8	14	classification	classification	NOUN
asir-2255	8	15	:	:	PUNCT
asir-2255	8	16	d24	d24	PROPN
asir-2255	8	17	,	,	PUNCT
asir-2255	8	18	g21	g21	PROPN
asir-2255	8	19	,	,	PUNCT
asir-2255	8	20	g28	g28	NOUN
asir-2255	8	21	,	,	PUNCT
asir-2255	8	22	g34	g34	PROPN
asir-2255	8	23	,	,	PUNCT
asir-2255	8	24	l11	l11	PROPN
asir-2255	8	25	1	1	NUM
asir-2255	8	26	.	.	PUNCT
asir-2255	9	1	introduction	introduction	NOUN
asir-2255	9	2	a	a	DET
asir-2255	9	3	considerable	considerable	ADJ
asir-2255	9	4	amount	amount	NOUN
asir-2255	9	5	of	of	ADP
asir-2255	9	6	attention	attention	NOUN
asir-2255	9	7	has	have	AUX
asir-2255	9	8	been	be	AUX
asir-2255	9	9	devoted	devote	VERB
asir-2255	9	10	to	to	ADP
asir-2255	9	11	the	the	DET
asir-2255	9	12	efficiency	efficiency	NOUN
asir-2255	9	13	of	of	ADP
asir-2255	9	14	financial	financial	ADJ
asir-2255	9	15	institutions	institution	NOUN
asir-2255	9	16	over	over	ADP
asir-2255	9	17	the	the	DET
asir-2255	9	18	past	past	ADJ
asir-2255	9	19	few	few	ADJ
asir-2255	9	20	decades	decade	NOUN
asir-2255	9	21	.	.	PUNCT
asir-2255	10	1	as	as	SCONJ
asir-2255	10	2	noted	note	VERB
asir-2255	10	3	by	by	ADP
asir-2255	10	4	berger	berger	PROPN
asir-2255	10	5	and	and	CCONJ
asir-2255	10	6	deyoung	deyoung	PROPN
asir-2255	10	7	(	(	PUNCT
asir-2255	10	8	1997	1997	NUM
asir-2255	10	9	)	)	PUNCT
asir-2255	10	10	,	,	PUNCT
asir-2255	10	11	the	the	DET
asir-2255	10	12	strand	strand	NOUN
asir-2255	10	13	of	of	ADP
asir-2255	10	14	research	research	NOUN
asir-2255	10	15	which	which	PRON
asir-2255	10	16	investigates	investigate	VERB
asir-2255	10	17	the	the	DET
asir-2255	10	18	productive	productive	ADJ
asir-2255	10	19	efficiency	efficiency	NOUN
asir-2255	10	20	of	of	ADP
asir-2255	10	21	financial	financial	ADJ
asir-2255	10	22	institutions	institution	NOUN
asir-2255	10	23	with	with	ADP
asir-2255	10	24	respect	respect	NOUN
asir-2255	10	25	to	to	ADP
asir-2255	10	26	the	the	DET
asir-2255	10	27	‘	'	PUNCT
asir-2255	10	28	best	good	ADJ
asir-2255	10	29	practice	practice	NOUN
asir-2255	10	30	’	'	PUNCT
asir-2255	10	31	efficient	efficient	ADJ
asir-2255	10	32	frontier	frontier	NOUN
asir-2255	10	33	argues	argue	VERB
asir-2255	10	34	that	that	SCONJ
asir-2255	10	35	the	the	DET
asir-2255	10	36	average	average	ADJ
asir-2255	10	37	firm	firm	NOUN
asir-2255	10	38	incurs	incur	VERB
asir-2255	10	39	high	high	ADJ
asir-2255	10	40	costs	cost	NOUN
asir-2255	10	41	and	and	CCONJ
asir-2255	10	42	generates	generate	VERB
asir-2255	10	43	low	low	ADJ
asir-2255	10	44	profits	profit	NOUN
asir-2255	10	45	.	.	PUNCT
asir-2255	11	1	the	the	DET
asir-2255	11	2	central	central	ADJ
asir-2255	11	3	purpose	purpose	NOUN
asir-2255	11	4	of	of	ADP
asir-2255	11	5	this	this	DET
asir-2255	11	6	study	study	NOUN
asir-2255	11	7	is	be	AUX
asir-2255	11	8	to	to	PART
asir-2255	11	9	examine	examine	VERB
asir-2255	11	10	the	the	DET
asir-2255	11	11	effects	effect	NOUN
asir-2255	11	12	of	of	ADP
asir-2255	11	13	financial	financial	ADJ
asir-2255	11	14	sector	sector	NOUN
asir-2255	11	15	reforms	reform	NOUN
asir-2255	11	16	on	on	ADP
asir-2255	11	17	the	the	DET
asir-2255	11	18	efficiency	efficiency	NOUN
asir-2255	11	19	of	of	ADP
asir-2255	11	20	the	the	DET
asir-2255	11	21	ghanaian	ghanaian	ADJ
asir-2255	11	22	banking	banking	NOUN
asir-2255	11	23	system	system	NOUN
asir-2255	11	24	,	,	PUNCT
asir-2255	11	25	and	and	CCONJ
asir-2255	11	26	to	to	PART
asir-2255	11	27	evaluate	evaluate	VERB
asir-2255	11	28	the	the	DET
asir-2255	11	29	efficacy	efficacy	NOUN
asir-2255	11	30	of	of	ADP
asir-2255	11	31	the	the	DET
asir-2255	11	32	reform	reform	NOUN
asir-2255	11	33	policy	policy	NOUN
asir-2255	11	34	.	.	PUNCT
asir-2255	12	1	given	give	VERB
asir-2255	12	2	that	that	SCONJ
asir-2255	12	3	financial	financial	ADJ
asir-2255	12	4	liberalisation	liberalisation	NOUN
asir-2255	12	5	has	have	AUX
asir-2255	12	6	been	be	AUX
asir-2255	12	7	introduced	introduce	VERB
asir-2255	12	8	in	in	ADP
asir-2255	12	9	many	many	ADJ
asir-2255	12	10	economies	economy	NOUN
asir-2255	12	11	over	over	ADP
asir-2255	12	12	the	the	DET
asir-2255	12	13	past	past	ADJ
asir-2255	12	14	few	few	ADJ
asir-2255	12	15	decades	decade	NOUN
asir-2255	12	16	,	,	PUNCT
asir-2255	12	17	studies	study	NOUN
asir-2255	12	18	on	on	ADP
asir-2255	12	19	banking	banking	NOUN
asir-2255	12	20	system	system	NOUN
asir-2255	12	21	efficiency	efficiency	NOUN
asir-2255	12	22	suggest	suggest	VERB
asir-2255	12	23	the	the	DET
asir-2255	12	24	need	need	NOUN
asir-2255	12	25	to	to	PART
asir-2255	12	26	investigate	investigate	VERB
asir-2255	12	27	the	the	DET
asir-2255	12	28	operational	operational	ADJ
asir-2255	12	29	inefficiencies	inefficiency	NOUN
asir-2255	12	30	in	in	ADP
asir-2255	12	31	african	african	ADJ
asir-2255	12	32	reforming	reform	VERB
asir-2255	12	33	economies	economy	NOUN
asir-2255	12	34	.	.	PUNCT
asir-2255	13	1	the	the	DET
asir-2255	13	2	reforms	reform	NOUN
asir-2255	13	3	introduced	introduce	VERB
asir-2255	13	4	in	in	ADP
asir-2255	13	5	these	these	DET
asir-2255	13	6	countries	country	NOUN
asir-2255	13	7	have	have	AUX
asir-2255	13	8	allowed	allow	VERB
asir-2255	13	9	interest	interest	NOUN
asir-2255	13	10	rates	rate	NOUN
asir-2255	13	11	to	to	ADP
asir-2255	13	12	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	13	13	applied	apply	VERB
asir-2255	13	14	science	science	NOUN
asir-2255	13	15	and	and	CCONJ
asir-2255	13	16	innovative	innovative	ADJ
asir-2255	13	17	research	research	NOUN
asir-2255	13	18	vol	vol	NOUN
asir-2255	13	19	.	.	PUNCT
asir-2255	14	1	3	3	NUM
asir-2255	14	2	,	,	PUNCT
asir-2255	14	3	no	no	INTJ
asir-2255	14	4	.	.	NOUN
asir-2255	14	5	3	3	NUM
asir-2255	14	6	,	,	PUNCT
asir-2255	14	7	2019	2019	NUM
asir-2255	14	8	191	191	NUM
asir-2255	14	9	published	publish	VERB
asir-2255	14	10	by	by	ADP
asir-2255	14	11	scholink	scholink	PROPN
asir-2255	14	12	inc	inc	PROPN
asir-2255	14	13	.	.	PROPN
asir-2255	14	14	be	be	AUX
asir-2255	14	15	set	set	VERB
asir-2255	14	16	by	by	ADP
asir-2255	14	17	the	the	DET
asir-2255	14	18	market	market	NOUN
asir-2255	14	19	,	,	PUNCT
asir-2255	14	20	and	and	CCONJ
asir-2255	14	21	have	have	AUX
asir-2255	14	22	permitted	permit	VERB
asir-2255	14	23	banks	bank	NOUN
asir-2255	14	24	to	to	PART
asir-2255	14	25	lend	lend	VERB
asir-2255	14	26	on	on	ADP
asir-2255	14	27	commercial	commercial	ADJ
asir-2255	14	28	considerations	consideration	NOUN
asir-2255	14	29	alone	alone	ADV
asir-2255	14	30	.	.	PUNCT
asir-2255	15	1	it	it	PRON
asir-2255	15	2	is	be	AUX
asir-2255	15	3	expected	expect	VERB
asir-2255	15	4	that	that	SCONJ
asir-2255	15	5	these	these	DET
asir-2255	15	6	practices	practice	NOUN
asir-2255	15	7	would	would	AUX
asir-2255	15	8	lead	lead	VERB
asir-2255	15	9	to	to	ADP
asir-2255	15	10	greater	great	ADJ
asir-2255	15	11	competition	competition	NOUN
asir-2255	15	12	amongst	amongst	ADP
asir-2255	15	13	banks	bank	NOUN
asir-2255	15	14	whose	whose	DET
asir-2255	15	15	objective	objective	NOUN
asir-2255	15	16	,	,	PUNCT
asir-2255	15	17	in	in	ADP
asir-2255	15	18	a	a	DET
asir-2255	15	19	liberalised	liberalised	ADJ
asir-2255	15	20	economy	economy	NOUN
asir-2255	15	21	,	,	PUNCT
asir-2255	15	22	is	be	AUX
asir-2255	15	23	to	to	PART
asir-2255	15	24	maximise	maximise	VERB
asir-2255	15	25	profit	profit	NOUN
asir-2255	15	26	.	.	PUNCT
asir-2255	16	1	proponents	proponent	NOUN
asir-2255	16	2	of	of	ADP
asir-2255	16	3	liberalisation	liberalisation	NOUN
asir-2255	16	4	suggest	suggest	VERB
asir-2255	16	5	that	that	SCONJ
asir-2255	16	6	the	the	DET
asir-2255	16	7	banking	banking	NOUN
asir-2255	16	8	system	system	NOUN
asir-2255	16	9	will	will	AUX
asir-2255	16	10	become	become	VERB
asir-2255	16	11	more	more	ADV
asir-2255	16	12	efficient	efficient	ADJ
asir-2255	16	13	through	through	ADP
asir-2255	16	14	competition	competition	NOUN
asir-2255	16	15	,	,	PUNCT
asir-2255	16	16	but	but	CCONJ
asir-2255	16	17	the	the	DET
asir-2255	16	18	evidence	evidence	NOUN
asir-2255	16	19	is	be	AUX
asir-2255	16	20	mixed	mixed	ADJ
asir-2255	16	21	(	(	PUNCT
asir-2255	16	22	note	note	NOUN
asir-2255	16	23	1	1	NUM
asir-2255	16	24	)	)	PUNCT
asir-2255	16	25	.	.	PUNCT
asir-2255	17	1	there	there	PRON
asir-2255	17	2	are	be	VERB
asir-2255	17	3	different	different	ADJ
asir-2255	17	4	ways	way	NOUN
asir-2255	17	5	of	of	ADP
asir-2255	17	6	measuring	measure	VERB
asir-2255	17	7	efficiency	efficiency	NOUN
asir-2255	17	8	,	,	PUNCT
asir-2255	17	9	and	and	CCONJ
asir-2255	17	10	the	the	DET
asir-2255	17	11	measures	measure	NOUN
asir-2255	17	12	are	be	AUX
asir-2255	17	13	not	not	PART
asir-2255	17	14	necessarily	necessarily	ADV
asir-2255	17	15	correlated	correlate	VERB
asir-2255	17	16	.	.	PUNCT
asir-2255	18	1	for	for	ADP
asir-2255	18	2	example	example	NOUN
asir-2255	18	3	,	,	PUNCT
asir-2255	18	4	an	an	DET
asir-2255	18	5	examination	examination	NOUN
asir-2255	18	6	of	of	ADP
asir-2255	18	7	korean	korean	ADJ
asir-2255	18	8	data	datum	NOUN
asir-2255	18	9	(	(	PUNCT
asir-2255	18	10	cho	cho	PROPN
asir-2255	18	11	,	,	PUNCT
asir-2255	18	12	1988	1988	NUM
asir-2255	18	13	)	)	PUNCT
asir-2255	18	14	suggests	suggest	VERB
asir-2255	18	15	that	that	SCONJ
asir-2255	18	16	,	,	PUNCT
asir-2255	18	17	following	follow	VERB
asir-2255	18	18	liberalisation	liberalisation	NOUN
asir-2255	18	19	,	,	PUNCT
asir-2255	18	20	allocative	allocative	ADJ
asir-2255	18	21	efficiency	efficiency	NOUN
asir-2255	18	22	was	be	AUX
asir-2255	18	23	improved	improve	VERB
asir-2255	18	24	.	.	PUNCT
asir-2255	19	1	this	this	PRON
asir-2255	19	2	implies	imply	VERB
asir-2255	19	3	that	that	SCONJ
asir-2255	19	4	the	the	DET
asir-2255	19	5	rate	rate	NOUN
asir-2255	19	6	of	of	ADP
asir-2255	19	7	return	return	NOUN
asir-2255	19	8	from	from	ADP
asir-2255	19	9	investment	investment	NOUN
asir-2255	19	10	in	in	ADP
asir-2255	19	11	different	different	ADJ
asir-2255	19	12	sectors	sector	NOUN
asir-2255	19	13	to	to	PART
asir-2255	19	14	which	which	PRON
asir-2255	19	15	the	the	DET
asir-2255	19	16	banks	bank	NOUN
asir-2255	19	17	continued	continue	VERB
asir-2255	19	18	lending	lend	VERB
asir-2255	19	19	following	follow	VERB
asir-2255	19	20	liberalisation	liberalisation	NOUN
asir-2255	19	21	were	be	AUX
asir-2255	19	22	equalised	equalised	ADJ
asir-2255	19	23	.	.	PUNCT
asir-2255	20	1	this	this	PRON
asir-2255	20	2	indicates	indicate	VERB
asir-2255	20	3	a	a	DET
asir-2255	20	4	better	well	ADJ
asir-2255	20	5	allocation	allocation	NOUN
asir-2255	20	6	of	of	ADP
asir-2255	20	7	loans	loan	NOUN
asir-2255	20	8	to	to	PART
asir-2255	20	9	maximise	maximise	VERB
asir-2255	20	10	profit	profit	NOUN
asir-2255	20	11	.	.	PUNCT
asir-2255	21	1	amsden	amsden	PROPN
asir-2255	21	2	and	and	CCONJ
asir-2255	21	3	euh	euh	PROPN
asir-2255	21	4	(	(	PUNCT
asir-2255	21	5	1993	1993	NUM
asir-2255	21	6	)	)	PUNCT
asir-2255	21	7	point	point	VERB
asir-2255	21	8	out	out	ADP
asir-2255	21	9	that	that	SCONJ
asir-2255	21	10	korea	korea	PROPN
asir-2255	21	11	has	have	AUX
asir-2255	21	12	achieved	achieve	VERB
asir-2255	21	13	its	its	PRON
asir-2255	21	14	objectives	objective	NOUN
asir-2255	21	15	of	of	ADP
asir-2255	21	16	modernising	modernise	VERB
asir-2255	21	17	its	its	PRON
asir-2255	21	18	financial	financial	ADJ
asir-2255	21	19	sector	sector	NOUN
asir-2255	21	20	,	,	PUNCT
asir-2255	21	21	not	not	PART
asir-2255	21	22	because	because	SCONJ
asir-2255	21	23	it	it	PRON
asir-2255	21	24	relied	rely	VERB
asir-2255	21	25	exclusively	exclusively	ADV
asir-2255	21	26	on	on	ADP
asir-2255	21	27	market	market	NOUN
asir-2255	21	28	forces	force	NOUN
asir-2255	21	29	to	to	PART
asir-2255	21	30	achieve	achieve	VERB
asir-2255	21	31	desired	desire	VERB
asir-2255	21	32	goals	goal	NOUN
asir-2255	21	33	,	,	PUNCT
asir-2255	21	34	but	but	CCONJ
asir-2255	21	35	rather	rather	ADV
asir-2255	21	36	by	by	ADP
asir-2255	21	37	principally	principally	ADV
asir-2255	21	38	creating	create	VERB
asir-2255	21	39	institutions	institution	NOUN
asir-2255	21	40	or	or	CCONJ
asir-2255	21	41	modelling	model	VERB
asir-2255	21	42	old	old	ADJ
asir-2255	21	43	ones	one	NOUN
asir-2255	21	44	.	.	PUNCT
asir-2255	22	1	the	the	DET
asir-2255	22	2	authors	author	NOUN
asir-2255	22	3	assert	assert	VERB
asir-2255	22	4	that	that	SCONJ
asir-2255	22	5	the	the	DET
asir-2255	22	6	functional	functional	ADJ
asir-2255	22	7	efficiency	efficiency	NOUN
asir-2255	22	8	of	of	ADP
asir-2255	22	9	korean	korean	ADJ
asir-2255	22	10	banks	bank	NOUN
asir-2255	22	11	may	may	AUX
asir-2255	22	12	be	be	AUX
asir-2255	22	13	considered	consider	VERB
asir-2255	22	14	the	the	DET
asir-2255	22	15	most	most	ADV
asir-2255	22	16	important	important	ADJ
asir-2255	22	17	performance	performance	NOUN
asir-2255	22	18	-	-	PUNCT
asir-2255	22	19	effect	effect	NOUN
asir-2255	22	20	that	that	SCONJ
asir-2255	22	21	the	the	DET
asir-2255	22	22	first	first	ADJ
asir-2255	22	23	round	round	NOUN
asir-2255	22	24	liberalisation	liberalisation	NOUN
asir-2255	22	25	achieved	achieve	VERB
asir-2255	22	26	,	,	PUNCT
asir-2255	22	27	and	and	CCONJ
asir-2255	22	28	that	that	SCONJ
asir-2255	22	29	,	,	PUNCT
asir-2255	22	30	this	this	DET
asir-2255	22	31	type	type	NOUN
asir-2255	22	32	of	of	ADP
asir-2255	22	33	efficiency	efficiency	NOUN
asir-2255	22	34	has	have	AUX
asir-2255	22	35	tended	tend	VERB
asir-2255	22	36	to	to	PART
asir-2255	22	37	be	be	AUX
asir-2255	22	38	less	less	ADV
asir-2255	22	39	heavily	heavily	ADV
asir-2255	22	40	emphasised	emphasised	ADJ
asir-2255	22	41	than	than	ADP
asir-2255	22	42	allocative	allocative	ADJ
asir-2255	22	43	efficiency	efficiency	NOUN
asir-2255	22	44	by	by	ADP
asir-2255	22	45	advocates	advocate	NOUN
asir-2255	22	46	of	of	ADP
asir-2255	22	47	financial	financial	ADJ
asir-2255	22	48	liberalisation	liberalisation	NOUN
asir-2255	22	49	.	.	PUNCT
asir-2255	23	1	considering	consider	VERB
asir-2255	23	2	the	the	DET
asir-2255	23	3	high	high	ADJ
asir-2255	23	4	operating	operating	NOUN
asir-2255	23	5	cost	cost	NOUN
asir-2255	23	6	of	of	ADP
asir-2255	23	7	ghanaian	ghanaian	ADJ
asir-2255	23	8	banks	bank	NOUN
asir-2255	23	9	,	,	PUNCT
asir-2255	23	10	this	this	DET
asir-2255	23	11	argument	argument	NOUN
asir-2255	23	12	is	be	AUX
asir-2255	23	13	developed	develop	VERB
asir-2255	23	14	examining	examine	VERB
asir-2255	23	15	how	how	SCONJ
asir-2255	23	16	functioning	functioning	ADJ
asir-2255	23	17	institutions	institution	NOUN
asir-2255	23	18	have	have	AUX
asir-2255	23	19	affected	affect	VERB
asir-2255	23	20	the	the	DET
asir-2255	23	21	efficiency	efficiency	NOUN
asir-2255	23	22	of	of	ADP
asir-2255	23	23	the	the	DET
asir-2255	23	24	ghanaian	ghanaian	ADJ
asir-2255	23	25	banking	banking	NOUN
asir-2255	23	26	system	system	NOUN
asir-2255	23	27	.	.	PUNCT
asir-2255	24	1	more	more	ADV
asir-2255	24	2	specifically	specifically	ADV
asir-2255	24	3	,	,	PUNCT
asir-2255	24	4	it	it	PRON
asir-2255	24	5	is	be	AUX
asir-2255	24	6	aimed	aim	VERB
asir-2255	24	7	to	to	PART
asir-2255	24	8	investigate	investigate	VERB
asir-2255	24	9	how	how	SCONJ
asir-2255	24	10	the	the	DET
asir-2255	24	11	market	market	NOUN
asir-2255	24	12	structure	structure	NOUN
asir-2255	24	13	and	and	CCONJ
asir-2255	24	14	regulatory	regulatory	ADJ
asir-2255	24	15	framework	framework	NOUN
asir-2255	24	16	under	under	ADP
asir-2255	24	17	which	which	PRON
asir-2255	24	18	the	the	DET
asir-2255	24	19	banks	bank	NOUN
asir-2255	24	20	operate	operate	VERB
asir-2255	24	21	affect	affect	VERB
asir-2255	24	22	their	their	PRON
asir-2255	24	23	efficiency	efficiency	NOUN
asir-2255	24	24	.	.	PUNCT
asir-2255	25	1	of	of	ADP
asir-2255	25	2	particular	particular	ADJ
asir-2255	25	3	concern	concern	NOUN
asir-2255	25	4	is	be	AUX
asir-2255	25	5	the	the	DET
asir-2255	25	6	received	receive	VERB
asir-2255	25	7	wisdom	wisdom	NOUN
asir-2255	25	8	in	in	ADP
asir-2255	25	9	the	the	DET
asir-2255	25	10	literature	literature	NOUN
asir-2255	25	11	that	that	PRON
asir-2255	25	12	most	most	ADJ
asir-2255	25	13	mergers	merger	NOUN
asir-2255	25	14	and	and	CCONJ
asir-2255	25	15	acquisitions	acquisition	NOUN
asir-2255	25	16	post	post	ADJ
asir-2255	25	17	-	-	ADJ
asir-2255	25	18	liberalisation	liberalisation	ADJ
asir-2255	25	19	result	result	NOUN
asir-2255	25	20	in	in	ADP
asir-2255	25	21	failure	failure	NOUN
asir-2255	25	22	.	.	PUNCT
asir-2255	26	1	whereas	whereas	SCONJ
asir-2255	26	2	some	some	PRON
asir-2255	26	3	of	of	ADP
asir-2255	26	4	the	the	DET
asir-2255	26	5	failures	failure	NOUN
asir-2255	26	6	have	have	AUX
asir-2255	26	7	been	be	AUX
asir-2255	26	8	attributed	attribute	VERB
asir-2255	26	9	to	to	ADP
asir-2255	26	10	factors	factor	NOUN
asir-2255	26	11	that	that	PRON
asir-2255	26	12	include	include	VERB
asir-2255	26	13	poor	poor	ADJ
asir-2255	26	14	credit	credit	NOUN
asir-2255	26	15	quality	quality	NOUN
asir-2255	26	16	and	and	CCONJ
asir-2255	26	17	inadequate	inadequate	ADJ
asir-2255	26	18	generation	generation	NOUN
asir-2255	26	19	of	of	ADP
asir-2255	26	20	fee	fee	NOUN
asir-2255	26	21	income	income	NOUN
asir-2255	26	22	,	,	PUNCT
asir-2255	26	23	resulting	result	VERB
asir-2255	26	24	in	in	ADP
asir-2255	26	25	additional	additional	ADJ
asir-2255	26	26	costs	cost	NOUN
asir-2255	26	27	generated	generate	VERB
asir-2255	26	28	by	by	ADP
asir-2255	26	29	the	the	DET
asir-2255	26	30	merger	merger	NOUN
asir-2255	26	31	(	(	PUNCT
asir-2255	26	32	knapp	knapp	PROPN
asir-2255	26	33	et	et	PROPN
asir-2255	26	34	al	al	PROPN
asir-2255	26	35	.	.	PROPN
asir-2255	26	36	,	,	PUNCT
asir-2255	26	37	2005	2005	NUM
asir-2255	26	38	)	)	PUNCT
asir-2255	26	39	,	,	PUNCT
asir-2255	26	40	others	other	NOUN
asir-2255	26	41	have	have	AUX
asir-2255	26	42	been	be	AUX
asir-2255	26	43	attributed	attribute	VERB
asir-2255	26	44	to	to	ADP
asir-2255	26	45	poor	poor	ADJ
asir-2255	26	46	customer	customer	NOUN
asir-2255	26	47	mix	mix	NOUN
asir-2255	26	48	post	post	NOUN
asir-2255	26	49	acquisition	acquisition	NOUN
asir-2255	26	50	(	(	PUNCT
asir-2255	26	51	havrylchyk	havrylchyk	NOUN
asir-2255	26	52	,	,	PUNCT
asir-2255	26	53	2006	2006	NUM
asir-2255	26	54	)	)	PUNCT
asir-2255	26	55	.	.	PUNCT
asir-2255	27	1	the	the	DET
asir-2255	27	2	experience	experience	NOUN
asir-2255	27	3	is	be	AUX
asir-2255	27	4	however	however	ADV
asir-2255	27	5	different	different	ADJ
asir-2255	27	6	in	in	ADP
asir-2255	27	7	the	the	DET
asir-2255	27	8	ghanaian	ghanaian	ADJ
asir-2255	27	9	context	context	NOUN
asir-2255	27	10	because	because	SCONJ
asir-2255	27	11	the	the	DET
asir-2255	27	12	only	only	ADJ
asir-2255	27	13	foreign	foreign	ADJ
asir-2255	27	14	-	-	PUNCT
asir-2255	27	15	acquired	acquire	VERB
asir-2255	27	16	bank	bank	NOUN
asir-2255	27	17	had	have	VERB
asir-2255	27	18	prior	prior	ADJ
asir-2255	27	19	knowledge	knowledge	NOUN
asir-2255	27	20	of	of	ADP
asir-2255	27	21	the	the	DET
asir-2255	27	22	local	local	ADJ
asir-2255	27	23	conditions	condition	NOUN
asir-2255	27	24	and	and	CCONJ
asir-2255	27	25	has	have	AUX
asir-2255	27	26	managed	manage	VERB
asir-2255	27	27	to	to	PART
asir-2255	27	28	utilise	utilise	VERB
asir-2255	27	29	this	this	DET
asir-2255	27	30	advantage	advantage	NOUN
asir-2255	27	31	,	,	PUNCT
asir-2255	27	32	coupled	couple	VERB
asir-2255	27	33	with	with	ADP
asir-2255	27	34	redundancy	redundancy	NOUN
asir-2255	27	35	programmes	programme	NOUN
asir-2255	27	36	and	and	CCONJ
asir-2255	27	37	layoffs	layoff	NOUN
asir-2255	27	38	and	and	CCONJ
asir-2255	27	39	without	without	ADP
asir-2255	27	40	branch	branch	NOUN
asir-2255	27	41	expansion	expansion	NOUN
asir-2255	27	42	following	follow	VERB
asir-2255	27	43	the	the	DET
asir-2255	27	44	acquisition	acquisition	NOUN
asir-2255	27	45	,	,	PUNCT
asir-2255	27	46	to	to	PART
asir-2255	27	47	operate	operate	VERB
asir-2255	27	48	at	at	ADP
asir-2255	27	49	a	a	DET
asir-2255	27	50	relatively	relatively	ADV
asir-2255	27	51	high	high	ADJ
asir-2255	27	52	level	level	NOUN
asir-2255	27	53	of	of	ADP
asir-2255	27	54	cost	cost	NOUN
asir-2255	27	55	efficiency	efficiency	NOUN
asir-2255	27	56	.	.	PUNCT
asir-2255	28	1	this	this	DET
asir-2255	28	2	study	study	NOUN
asir-2255	28	3	contributes	contribute	VERB
asir-2255	28	4	to	to	ADP
asir-2255	28	5	the	the	DET
asir-2255	28	6	established	establish	VERB
asir-2255	28	7	literature	literature	NOUN
asir-2255	28	8	on	on	ADP
asir-2255	28	9	the	the	DET
asir-2255	28	10	impact	impact	NOUN
asir-2255	28	11	of	of	ADP
asir-2255	28	12	financial	financial	ADJ
asir-2255	28	13	liberalisation	liberalisation	NOUN
asir-2255	28	14	in	in	ADP
asir-2255	28	15	africa	africa	PROPN
asir-2255	28	16	.	.	PUNCT
asir-2255	29	1	studies	study	NOUN
asir-2255	29	2	that	that	PRON
asir-2255	29	3	have	have	AUX
asir-2255	29	4	investigated	investigate	VERB
asir-2255	29	5	banking	banking	NOUN
asir-2255	29	6	system	system	NOUN
asir-2255	29	7	efficiency	efficiency	NOUN
asir-2255	29	8	in	in	ADP
asir-2255	29	9	both	both	PRON
asir-2255	29	10	developed	develop	VERB
asir-2255	29	11	and	and	CCONJ
asir-2255	29	12	emerging	emerge	VERB
asir-2255	29	13	economies	economy	NOUN
asir-2255	29	14	have	have	AUX
asir-2255	29	15	yielded	yield	VERB
asir-2255	29	16	mixed	mixed	ADJ
asir-2255	29	17	results	result	NOUN
asir-2255	29	18	,	,	PUNCT
asir-2255	29	19	due	due	ADP
asir-2255	29	20	to	to	ADP
asir-2255	29	21	different	different	ADJ
asir-2255	29	22	macroeconomic	macroeconomic	ADJ
asir-2255	29	23	and	and	CCONJ
asir-2255	29	24	sectoral	sectoral	ADJ
asir-2255	29	25	conditions	condition	NOUN
asir-2255	29	26	prior	prior	ADV
asir-2255	29	27	to	to	ADP
asir-2255	29	28	the	the	DET
asir-2255	29	29	financial	financial	ADJ
asir-2255	29	30	reforms	reform	NOUN
asir-2255	29	31	.	.	PUNCT
asir-2255	30	1	many	many	ADJ
asir-2255	30	2	of	of	ADP
asir-2255	30	3	these	these	DET
asir-2255	30	4	studies	study	NOUN
asir-2255	30	5	have	have	AUX
asir-2255	30	6	focused	focus	VERB
asir-2255	30	7	on	on	ADP
asir-2255	30	8	periods	period	NOUN
asir-2255	30	9	when	when	SCONJ
asir-2255	30	10	some	some	PRON
asir-2255	30	11	of	of	ADP
asir-2255	30	12	these	these	DET
asir-2255	30	13	reforms	reform	NOUN
asir-2255	30	14	had	have	AUX
asir-2255	30	15	not	not	PART
asir-2255	30	16	been	be	AUX
asir-2255	30	17	fully	fully	ADV
asir-2255	30	18	implemented	implement	VERB
asir-2255	30	19	.	.	PUNCT
asir-2255	31	1	the	the	DET
asir-2255	31	2	present	present	ADJ
asir-2255	31	3	study	study	NOUN
asir-2255	31	4	examines	examine	VERB
asir-2255	31	5	a	a	DET
asir-2255	31	6	period	period	NOUN
asir-2255	31	7	following	follow	VERB
asir-2255	31	8	the	the	DET
asir-2255	31	9	implementation	implementation	NOUN
asir-2255	31	10	of	of	ADP
asir-2255	31	11	all	all	PRON
asir-2255	31	12	of	of	ADP
asir-2255	31	13	the	the	DET
asir-2255	31	14	phases	phase	NOUN
asir-2255	31	15	of	of	ADP
asir-2255	31	16	the	the	DET
asir-2255	31	17	liberalisation	liberalisation	NOUN
asir-2255	31	18	process	process	NOUN
asir-2255	31	19	in	in	ADP
asir-2255	31	20	the	the	DET
asir-2255	31	21	ghanaian	ghanaian	ADJ
asir-2255	31	22	banking	banking	NOUN
asir-2255	31	23	industry	industry	NOUN
asir-2255	31	24	.	.	PUNCT
asir-2255	32	1	this	this	PRON
asir-2255	32	2	should	should	AUX
asir-2255	32	3	help	help	VERB
asir-2255	32	4	critically	critically	ADV
asir-2255	32	5	assess	assess	VERB
asir-2255	32	6	the	the	DET
asir-2255	32	7	benefits	benefit	NOUN
asir-2255	32	8	and	and	CCONJ
asir-2255	32	9	non	non	NOUN
asir-2255	32	10	-	-	NOUN
asir-2255	32	11	benefits	benefit	NOUN
asir-2255	32	12	of	of	ADP
asir-2255	32	13	the	the	DET
asir-2255	32	14	reforms	reform	NOUN
asir-2255	32	15	.	.	PUNCT
asir-2255	33	1	the	the	DET
asir-2255	33	2	results	result	NOUN
asir-2255	33	3	presented	present	VERB
asir-2255	33	4	in	in	ADP
asir-2255	33	5	this	this	DET
asir-2255	33	6	paper	paper	NOUN
asir-2255	33	7	are	be	AUX
asir-2255	33	8	among	among	ADP
asir-2255	33	9	the	the	DET
asir-2255	33	10	earliest	early	ADJ
asir-2255	33	11	indications	indication	NOUN
asir-2255	33	12	of	of	ADP
asir-2255	33	13	the	the	DET
asir-2255	33	14	effects	effect	NOUN
asir-2255	33	15	that	that	PRON
asir-2255	33	16	financial	financial	ADJ
asir-2255	33	17	sector	sector	NOUN
asir-2255	33	18	reforms	reform	NOUN
asir-2255	33	19	have	have	AUX
asir-2255	33	20	had	have	VERB
asir-2255	33	21	on	on	ADP
asir-2255	33	22	the	the	DET
asir-2255	33	23	banking	banking	NOUN
asir-2255	33	24	system	system	NOUN
asir-2255	33	25	efficiency	efficiency	NOUN
asir-2255	33	26	in	in	ADP
asir-2255	33	27	sub	sub	ADJ
asir-2255	33	28	-	-	ADJ
asir-2255	33	29	saharan	saharan	ADJ
asir-2255	33	30	africa	africa	PROPN
asir-2255	33	31	.	.	PUNCT
asir-2255	34	1	the	the	DET
asir-2255	34	2	remainder	remainder	NOUN
asir-2255	34	3	of	of	ADP
asir-2255	34	4	the	the	DET
asir-2255	34	5	paper	paper	NOUN
asir-2255	34	6	is	be	AUX
asir-2255	34	7	organised	organise	VERB
asir-2255	34	8	as	as	SCONJ
asir-2255	34	9	follows	follow	VERB
asir-2255	34	10	.	.	PUNCT
asir-2255	35	1	section	section	NOUN
asir-2255	35	2	2	2	NUM
asir-2255	35	3	reviews	review	VERB
asir-2255	35	4	the	the	DET
asir-2255	35	5	relevant	relevant	ADJ
asir-2255	35	6	literature	literature	NOUN
asir-2255	35	7	surrounding	surround	VERB
asir-2255	35	8	the	the	DET
asir-2255	35	9	research	research	NOUN
asir-2255	35	10	topic	topic	NOUN
asir-2255	35	11	.	.	PUNCT
asir-2255	36	1	the	the	DET
asir-2255	36	2	empirical	empirical	ADJ
asir-2255	36	3	model	model	NOUN
asir-2255	36	4	employed	employ	VERB
asir-2255	36	5	is	be	AUX
asir-2255	36	6	described	describe	VERB
asir-2255	36	7	in	in	ADP
asir-2255	36	8	section	section	NOUN
asir-2255	36	9	3	3	NUM
asir-2255	36	10	,	,	PUNCT
asir-2255	36	11	alongside	alongside	ADP
asir-2255	36	12	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	36	13	applied	apply	VERB
asir-2255	36	14	science	science	NOUN
asir-2255	36	15	and	and	CCONJ
asir-2255	36	16	innovative	innovative	ADJ
asir-2255	36	17	research	research	NOUN
asir-2255	36	18	vol	vol	NOUN
asir-2255	36	19	.	.	PUNCT
asir-2255	37	1	3	3	NUM
asir-2255	37	2	,	,	PUNCT
asir-2255	37	3	no	no	INTJ
asir-2255	37	4	.	.	NOUN
asir-2255	37	5	3	3	NUM
asir-2255	37	6	,	,	PUNCT
asir-2255	37	7	2019	2019	NUM
asir-2255	37	8	192	192	NUM
asir-2255	37	9	published	publish	VERB
asir-2255	37	10	by	by	ADP
asir-2255	37	11	scholink	scholink	PROPN
asir-2255	37	12	inc	inc	PROPN
asir-2255	37	13	.	.	PROPN
asir-2255	37	14	description	description	NOUN
asir-2255	37	15	of	of	ADP
asir-2255	37	16	data	datum	NOUN
asir-2255	37	17	used	use	VERB
asir-2255	37	18	in	in	ADP
asir-2255	37	19	the	the	DET
asir-2255	37	20	study	study	NOUN
asir-2255	37	21	.	.	PUNCT
asir-2255	38	1	section	section	NOUN
asir-2255	38	2	4	4	NUM
asir-2255	38	3	presents	present	VERB
asir-2255	38	4	the	the	DET
asir-2255	38	5	results	result	NOUN
asir-2255	38	6	and	and	CCONJ
asir-2255	38	7	discussion	discussion	NOUN
asir-2255	38	8	of	of	ADP
asir-2255	38	9	the	the	DET
asir-2255	38	10	study	study	NOUN
asir-2255	38	11	,	,	PUNCT
asir-2255	38	12	followed	follow	VERB
asir-2255	38	13	by	by	ADP
asir-2255	38	14	the	the	DET
asir-2255	38	15	conclusion	conclusion	NOUN
asir-2255	38	16	in	in	ADP
asir-2255	38	17	section	section	NOUN
asir-2255	38	18	5	5	NUM
asir-2255	38	19	.	.	SYM
asir-2255	38	20	2	2	NUM
asir-2255	38	21	.	.	X
asir-2255	38	22	financial	financial	ADJ
asir-2255	38	23	liberalisation	liberalisation	NOUN
asir-2255	38	24	and	and	CCONJ
asir-2255	38	25	bank	bank	NOUN
asir-2255	38	26	efficiency	efficiency	NOUN
asir-2255	38	27	:	:	PUNCT
asir-2255	38	28	the	the	DET
asir-2255	38	29	literature	literature	NOUN
asir-2255	38	30	the	the	DET
asir-2255	38	31	efficiency	efficiency	NOUN
asir-2255	38	32	literature	literature	NOUN
asir-2255	38	33	has	have	AUX
asir-2255	38	34	grown	grow	VERB
asir-2255	38	35	rapidly	rapidly	ADV
asir-2255	38	36	over	over	ADP
asir-2255	38	37	the	the	DET
asir-2255	38	38	past	past	ADJ
asir-2255	38	39	few	few	ADJ
asir-2255	38	40	decades	decade	NOUN
asir-2255	38	41	.	.	PUNCT
asir-2255	39	1	the	the	DET
asir-2255	39	2	vast	vast	ADJ
asir-2255	39	3	majority	majority	NOUN
asir-2255	39	4	of	of	ADP
asir-2255	39	5	the	the	DET
asir-2255	39	6	studies	study	NOUN
asir-2255	39	7	covers	cover	VERB
asir-2255	39	8	the	the	DET
asir-2255	39	9	us	us	PROPN
asir-2255	39	10	and	and	CCONJ
asir-2255	39	11	european	european	ADJ
asir-2255	39	12	countries	country	NOUN
asir-2255	39	13	(	(	PUNCT
asir-2255	39	14	see	see	VERB
asir-2255	39	15	,	,	PUNCT
asir-2255	39	16	for	for	ADP
asir-2255	39	17	example	example	NOUN
asir-2255	39	18	,	,	PUNCT
asir-2255	39	19	berger	berger	PROPN
asir-2255	39	20	&	&	CCONJ
asir-2255	39	21	humphrey	humphrey	PROPN
asir-2255	39	22	,	,	PUNCT
asir-2255	39	23	1997	1997	NUM
asir-2255	39	24	;	;	PUNCT
asir-2255	39	25	goddard	goddard	PROPN
asir-2255	39	26	et	et	PROPN
asir-2255	39	27	al	al	PROPN
asir-2255	39	28	.	.	PROPN
asir-2255	39	29	,	,	PUNCT
asir-2255	39	30	2007	2007	NUM
asir-2255	39	31	;	;	PUNCT
asir-2255	39	32	asaftei	asaftei	NOUN
asir-2255	39	33	,	,	PUNCT
asir-2255	39	34	2008	2008	NUM
asir-2255	39	35	;	;	PUNCT
asir-2255	39	36	beijnen	beijnen	NOUN
asir-2255	39	37	&	&	CCONJ
asir-2255	39	38	bolt	bolt	NOUN
asir-2255	39	39	,	,	PUNCT
asir-2255	39	40	2009	2009	NUM
asir-2255	39	41	)	)	PUNCT
asir-2255	39	42	.	.	PUNCT
asir-2255	40	1	efficiency	efficiency	NOUN
asir-2255	40	2	studies	study	NOUN
asir-2255	40	3	on	on	ADP
asir-2255	40	4	developing	develop	VERB
asir-2255	40	5	economies	economy	NOUN
asir-2255	40	6	are	be	AUX
asir-2255	40	7	less	less	ADV
asir-2255	40	8	plentiful	plentiful	ADJ
asir-2255	40	9	.	.	PUNCT
asir-2255	41	1	the	the	DET
asir-2255	41	2	majority	majority	NOUN
asir-2255	41	3	of	of	ADP
asir-2255	41	4	the	the	DET
asir-2255	41	5	studies	study	NOUN
asir-2255	41	6	of	of	ADP
asir-2255	41	7	emerging	emerge	VERB
asir-2255	41	8	market	market	NOUN
asir-2255	41	9	banking	banking	NOUN
asir-2255	41	10	systems	system	NOUN
asir-2255	41	11	after	after	SCONJ
asir-2255	41	12	financial	financial	ADJ
asir-2255	41	13	liberalisation	liberalisation	NOUN
asir-2255	41	14	refer	refer	NOUN
asir-2255	41	15	to	to	ADP
asir-2255	41	16	asian	asian	ADJ
asir-2255	41	17	countries	country	NOUN
asir-2255	41	18	including	include	VERB
asir-2255	41	19	india	india	PROPN
asir-2255	41	20	(	(	PUNCT
asir-2255	41	21	das	das	PROPN
asir-2255	41	22	&	&	CCONJ
asir-2255	41	23	ghosh	ghosh	PROPN
asir-2255	41	24	,	,	PUNCT
asir-2255	41	25	2006	2006	NUM
asir-2255	41	26	)	)	PUNCT
asir-2255	41	27	,	,	PUNCT
asir-2255	41	28	singapore	singapore	PROPN
asir-2255	41	29	(	(	PUNCT
asir-2255	41	30	rezvanian	rezvanian	PROPN
asir-2255	41	31	&	&	CCONJ
asir-2255	41	32	mehdian	mehdian	PROPN
asir-2255	41	33	,	,	PUNCT
asir-2255	41	34	2002	2002	NUM
asir-2255	41	35	)	)	PUNCT
asir-2255	41	36	,	,	PUNCT
asir-2255	41	37	hong	hong	PROPN
asir-2255	41	38	kong	kong	PROPN
asir-2255	41	39	(	(	PUNCT
asir-2255	41	40	drake	drake	NOUN
asir-2255	41	41	et	et	PROPN
asir-2255	41	42	al	al	PROPN
asir-2255	41	43	.	.	PROPN
asir-2255	41	44	,	,	PUNCT
asir-2255	41	45	2006	2006	NUM
asir-2255	41	46	)	)	PUNCT
asir-2255	41	47	,	,	PUNCT
asir-2255	41	48	malaysia	malaysia	PROPN
asir-2255	41	49	(	(	PUNCT
asir-2255	41	50	okuda	okuda	NOUN
asir-2255	41	51	et	et	PROPN
asir-2255	41	52	al	al	PROPN
asir-2255	41	53	.	.	PROPN
asir-2255	41	54	,	,	PUNCT
asir-2255	41	55	2002	2002	NUM
asir-2255	41	56	)	)	PUNCT
asir-2255	41	57	and	and	CCONJ
asir-2255	41	58	china	china	PROPN
asir-2255	41	59	(	(	PUNCT
asir-2255	41	60	berger	berger	PROPN
asir-2255	41	61	et	et	PROPN
asir-2255	41	62	al	al	PROPN
asir-2255	41	63	.	.	PROPN
asir-2255	41	64	,	,	PUNCT
asir-2255	41	65	2009	2009	NUM
asir-2255	41	66	)	)	PUNCT
asir-2255	41	67	.	.	PUNCT
asir-2255	42	1	cross	cross	ADJ
asir-2255	42	2	-	-	ADJ
asir-2255	42	3	country	country	ADJ
asir-2255	42	4	studies	study	NOUN
asir-2255	42	5	of	of	ADP
asir-2255	42	6	asian	asian	ADJ
asir-2255	42	7	banking	banking	NOUN
asir-2255	42	8	system	system	NOUN
asir-2255	42	9	efficiency	efficiency	NOUN
asir-2255	42	10	have	have	AUX
asir-2255	42	11	also	also	ADV
asir-2255	42	12	been	be	AUX
asir-2255	42	13	undertaken	undertake	VERB
asir-2255	42	14	(	(	PUNCT
asir-2255	42	15	williams	williams	PROPN
asir-2255	42	16	&	&	CCONJ
asir-2255	42	17	nguyen	nguyen	PROPN
asir-2255	42	18	,	,	PUNCT
asir-2255	42	19	2005	2005	NUM
asir-2255	42	20	)	)	PUNCT
asir-2255	42	21	.	.	PUNCT
asir-2255	43	1	efficiency	efficiency	NOUN
asir-2255	43	2	studies	study	NOUN
asir-2255	43	3	have	have	AUX
asir-2255	43	4	also	also	ADV
asir-2255	43	5	been	be	AUX
asir-2255	43	6	reported	report	VERB
asir-2255	43	7	for	for	ADP
asir-2255	43	8	a	a	DET
asir-2255	43	9	number	number	NOUN
asir-2255	43	10	of	of	ADP
asir-2255	43	11	countries	country	NOUN
asir-2255	43	12	in	in	ADP
asir-2255	43	13	central	central	ADJ
asir-2255	43	14	and	and	CCONJ
asir-2255	43	15	eastern	eastern	ADJ
asir-2255	43	16	europe	europe	PROPN
asir-2255	43	17	,	,	PUNCT
asir-2255	43	18	as	as	ADV
asir-2255	43	19	well	well	ADV
asir-2255	43	20	as	as	ADP
asir-2255	43	21	the	the	DET
asir-2255	43	22	commonwealth	commonwealth	NOUN
asir-2255	43	23	of	of	ADP
asir-2255	43	24	independent	independent	ADJ
asir-2255	43	25	states	state	NOUN
asir-2255	43	26	(	(	PUNCT
asir-2255	43	27	bonin	bonin	NOUN
asir-2255	43	28	et	et	NOUN
asir-2255	43	29	al	al	PROPN
asir-2255	43	30	.	.	PROPN
asir-2255	43	31	,	,	PUNCT
asir-2255	43	32	2005	2005	NUM
asir-2255	43	33	;	;	PUNCT
asir-2255	43	34	koutsomanoli	koutsomanoli	NOUN
asir-2255	43	35	-	-	PUNCT
asir-2255	43	36	filippaki	filippaki	NOUN
asir-2255	43	37	et	et	PROPN
asir-2255	43	38	al	al	PROPN
asir-2255	43	39	.	.	PROPN
asir-2255	43	40	,	,	PUNCT
asir-2255	43	41	2009	2009	NUM
asir-2255	43	42	)	)	PUNCT
asir-2255	43	43	.	.	PUNCT
asir-2255	44	1	in	in	ADP
asir-2255	44	2	sub	sub	ADJ
asir-2255	44	3	-	-	ADJ
asir-2255	44	4	saharan	saharan	ADJ
asir-2255	44	5	africa	africa	PROPN
asir-2255	44	6	,	,	PUNCT
asir-2255	44	7	bank	bank	NOUN
asir-2255	44	8	efficiency	efficiency	NOUN
asir-2255	44	9	studies	study	NOUN
asir-2255	44	10	after	after	ADP
asir-2255	44	11	financial	financial	ADJ
asir-2255	44	12	liberalisation	liberalisation	NOUN
asir-2255	44	13	cover	cover	NOUN
asir-2255	44	14	economies	economy	NOUN
asir-2255	44	15	including	include	VERB
asir-2255	44	16	uganda	uganda	PROPN
asir-2255	44	17	(	(	PUNCT
asir-2255	44	18	hauner	hauner	NOUN
asir-2255	44	19	&	&	CCONJ
asir-2255	44	20	peiris	peiris	PROPN
asir-2255	44	21	,	,	PUNCT
asir-2255	44	22	2005	2005	NUM
asir-2255	44	23	)	)	PUNCT
asir-2255	44	24	and	and	CCONJ
asir-2255	44	25	botswana	botswana	PROPN
asir-2255	44	26	(	(	PUNCT
asir-2255	44	27	moffat	moffat	PROPN
asir-2255	44	28	&	&	CCONJ
asir-2255	44	29	valadkhani	valadkhani	PROPN
asir-2255	44	30	,	,	PUNCT
asir-2255	44	31	2008	2008	NUM
asir-2255	44	32	)	)	PUNCT
asir-2255	44	33	.	.	PUNCT
asir-2255	45	1	it	it	PRON
asir-2255	45	2	is	be	AUX
asir-2255	45	3	expected	expect	VERB
asir-2255	45	4	that	that	SCONJ
asir-2255	45	5	financial	financial	ADJ
asir-2255	45	6	sector	sector	NOUN
asir-2255	45	7	reforms	reform	NOUN
asir-2255	45	8	should	should	AUX
asir-2255	45	9	increase	increase	VERB
asir-2255	45	10	competition	competition	NOUN
asir-2255	45	11	,	,	PUNCT
asir-2255	45	12	leading	lead	VERB
asir-2255	45	13	to	to	ADP
asir-2255	45	14	improvements	improvement	NOUN
asir-2255	45	15	in	in	ADP
asir-2255	45	16	bank	bank	NOUN
asir-2255	45	17	efficiency	efficiency	NOUN
asir-2255	45	18	.	.	PUNCT
asir-2255	46	1	the	the	DET
asir-2255	46	2	empirical	empirical	ADJ
asir-2255	46	3	evidence	evidence	NOUN
asir-2255	46	4	has	have	AUX
asir-2255	46	5	however	however	ADV
asir-2255	46	6	been	be	AUX
asir-2255	46	7	mixed	mix	VERB
asir-2255	46	8	.	.	PUNCT
asir-2255	47	1	in	in	ADP
asir-2255	47	2	a	a	DET
asir-2255	47	3	study	study	NOUN
asir-2255	47	4	of	of	ADP
asir-2255	47	5	the	the	DET
asir-2255	47	6	ugandan	ugandan	PROPN
asir-2255	47	7	banking	banking	NOUN
asir-2255	47	8	system	system	NOUN
asir-2255	47	9	between	between	ADP
asir-2255	47	10	1999	1999	NUM
asir-2255	47	11	and	and	CCONJ
asir-2255	47	12	2004	2004	NUM
asir-2255	47	13	,	,	PUNCT
asir-2255	47	14	hauner	hauner	NOUN
asir-2255	47	15	and	and	CCONJ
asir-2255	47	16	peiris	peiris	NOUN
asir-2255	47	17	(	(	PUNCT
asir-2255	47	18	2005	2005	NUM
asir-2255	47	19	)	)	PUNCT
asir-2255	47	20	find	find	VERB
asir-2255	47	21	that	that	SCONJ
asir-2255	47	22	the	the	DET
asir-2255	47	23	level	level	NOUN
asir-2255	47	24	of	of	ADP
asir-2255	47	25	competition	competition	NOUN
asir-2255	47	26	has	have	AUX
asir-2255	47	27	increased	increase	VERB
asir-2255	47	28	significantly	significantly	ADV
asir-2255	47	29	and	and	CCONJ
asir-2255	47	30	has	have	AUX
asir-2255	47	31	been	be	AUX
asir-2255	47	32	associated	associate	VERB
asir-2255	47	33	with	with	ADP
asir-2255	47	34	an	an	DET
asir-2255	47	35	improvement	improvement	NOUN
asir-2255	47	36	in	in	ADP
asir-2255	47	37	efficiency	efficiency	NOUN
asir-2255	47	38	following	follow	VERB
asir-2255	47	39	liberalisation	liberalisation	NOUN
asir-2255	47	40	.	.	PUNCT
asir-2255	48	1	ataullah	ataullah	PROPN
asir-2255	48	2	and	and	CCONJ
asir-2255	48	3	le	le	X
asir-2255	48	4	(	(	PUNCT
asir-2255	48	5	2006	2006	NUM
asir-2255	48	6	)	)	PUNCT
asir-2255	48	7	report	report	VERB
asir-2255	48	8	an	an	DET
asir-2255	48	9	improvement	improvement	NOUN
asir-2255	48	10	in	in	ADP
asir-2255	48	11	the	the	DET
asir-2255	48	12	efficiency	efficiency	NOUN
asir-2255	48	13	of	of	ADP
asir-2255	48	14	indian	indian	ADJ
asir-2255	48	15	banks	bank	NOUN
asir-2255	48	16	,	,	PUNCT
asir-2255	48	17	especially	especially	ADV
asir-2255	48	18	foreign	foreign	ADJ
asir-2255	48	19	-	-	PUNCT
asir-2255	48	20	owned	own	VERB
asir-2255	48	21	banks	bank	NOUN
asir-2255	48	22	,	,	PUNCT
asir-2255	48	23	after	after	ADP
asir-2255	48	24	financial	financial	ADJ
asir-2255	48	25	reforms	reform	NOUN
asir-2255	48	26	.	.	PUNCT
asir-2255	49	1	havrylchyk	havrylchyk	PROPN
asir-2255	49	2	(	(	PUNCT
asir-2255	49	3	2006	2006	NUM
asir-2255	49	4	)	)	PUNCT
asir-2255	49	5	however	however	ADV
asir-2255	49	6	finds	find	VERB
asir-2255	49	7	that	that	PRON
asir-2255	49	8	efficiency	efficiency	NOUN
asir-2255	49	9	has	have	AUX
asir-2255	49	10	not	not	PART
asir-2255	49	11	improved	improve	VERB
asir-2255	49	12	in	in	ADP
asir-2255	49	13	the	the	DET
asir-2255	49	14	polish	polish	ADJ
asir-2255	49	15	banking	banking	NOUN
asir-2255	49	16	industry	industry	NOUN
asir-2255	49	17	between	between	ADP
asir-2255	49	18	1997	1997	NUM
asir-2255	49	19	and	and	CCONJ
asir-2255	49	20	2001	2001	NUM
asir-2255	49	21	.	.	PUNCT
asir-2255	50	1	the	the	DET
asir-2255	50	2	comparison	comparison	NOUN
asir-2255	50	3	of	of	ADP
asir-2255	50	4	efficiency	efficiency	NOUN
asir-2255	50	5	between	between	ADP
asir-2255	50	6	foreignand	foreignand	ADJ
asir-2255	50	7	domestic	domestic	ADJ
asir-2255	50	8	-	-	PUNCT
asir-2255	50	9	owned	own	VERB
asir-2255	50	10	banks	bank	NOUN
asir-2255	50	11	suggests	suggest	VERB
asir-2255	50	12	that	that	SCONJ
asir-2255	50	13	foreign	foreign	ADJ
asir-2255	50	14	banks	bank	NOUN
asir-2255	50	15	in	in	ADP
asir-2255	50	16	emerging	emerge	VERB
asir-2255	50	17	market	market	NOUN
asir-2255	50	18	economies	economy	NOUN
asir-2255	50	19	have	have	AUX
asir-2255	50	20	been	be	AUX
asir-2255	50	21	able	able	ADJ
asir-2255	50	22	to	to	PART
asir-2255	50	23	utilise	utilise	VERB
asir-2255	50	24	their	their	PRON
asir-2255	50	25	advantages	advantage	NOUN
asir-2255	50	26	by	by	ADP
asir-2255	50	27	achieving	achieve	VERB
asir-2255	50	28	higher	high	ADJ
asir-2255	50	29	efficiency	efficiency	NOUN
asir-2255	50	30	than	than	ADP
asir-2255	50	31	their	their	PRON
asir-2255	50	32	domestic	domestic	ADJ
asir-2255	50	33	peers	peer	NOUN
asir-2255	50	34	(	(	PUNCT
asir-2255	50	35	hasan	hasan	PROPN
asir-2255	50	36	&	&	CCONJ
asir-2255	50	37	marton	marton	PROPN
asir-2255	50	38	,	,	PUNCT
asir-2255	50	39	2003	2003	NUM
asir-2255	50	40	;	;	PUNCT
asir-2255	50	41	bonin	bonin	NOUN
asir-2255	50	42	et	et	NOUN
asir-2255	50	43	al	al	PROPN
asir-2255	50	44	.	.	PROPN
asir-2255	50	45	,	,	PUNCT
asir-2255	50	46	2005	2005	NUM
asir-2255	50	47	)	)	PUNCT
asir-2255	50	48	.	.	PUNCT
asir-2255	51	1	hauner	hauner	NOUN
asir-2255	51	2	and	and	CCONJ
asir-2255	51	3	peiris	peiris	PROPN
asir-2255	51	4	(	(	PUNCT
asir-2255	51	5	2005	2005	NUM
asir-2255	51	6	)	)	PUNCT
asir-2255	51	7	show	show	VERB
asir-2255	51	8	that	that	SCONJ
asir-2255	51	9	on	on	ADP
asir-2255	51	10	average	average	ADJ
asir-2255	51	11	foreign	foreign	NOUN
asir-2255	51	12	-	-	PUNCT
asir-2255	51	13	owned	own	VERB
asir-2255	51	14	banks	bank	NOUN
asir-2255	51	15	are	be	AUX
asir-2255	51	16	more	more	ADV
asir-2255	51	17	efficient	efficient	ADJ
asir-2255	51	18	than	than	ADP
asir-2255	51	19	domestic	domestic	ADJ
asir-2255	51	20	banks	bank	NOUN
asir-2255	51	21	in	in	ADP
asir-2255	51	22	uganda	uganda	PROPN
asir-2255	51	23	.	.	PUNCT
asir-2255	52	1	moffat	moffat	PROPN
asir-2255	52	2	and	and	CCONJ
asir-2255	52	3	valadkhani	valadkhani	PROPN
asir-2255	52	4	(	(	PUNCT
asir-2255	52	5	2008	2008	NUM
asir-2255	52	6	)	)	PUNCT
asir-2255	52	7	find	find	VERB
asir-2255	52	8	that	that	SCONJ
asir-2255	52	9	foreign	foreign	ADJ
asir-2255	52	10	institutions	institution	NOUN
asir-2255	52	11	exhibit	exhibit	VERB
asir-2255	52	12	higher	high	ADJ
asir-2255	52	13	levels	level	NOUN
asir-2255	52	14	of	of	ADP
asir-2255	52	15	efficiency	efficiency	NOUN
asir-2255	52	16	than	than	ADP
asir-2255	52	17	public	public	ADJ
asir-2255	52	18	institutions	institution	NOUN
asir-2255	52	19	in	in	ADP
asir-2255	52	20	botswana	botswana	PROPN
asir-2255	52	21	.	.	PUNCT
asir-2255	53	1	in	in	ADP
asir-2255	53	2	the	the	DET
asir-2255	53	3	case	case	NOUN
asir-2255	53	4	of	of	ADP
asir-2255	53	5	the	the	DET
asir-2255	53	6	polish	polish	ADJ
asir-2255	53	7	banking	banking	NOUN
asir-2255	53	8	industry	industry	NOUN
asir-2255	53	9	,	,	PUNCT
asir-2255	53	10	havrylchyk	havrylchyk	NOUN
asir-2255	53	11	(	(	PUNCT
asir-2255	53	12	2006	2006	NUM
asir-2255	53	13	)	)	PUNCT
asir-2255	53	14	finds	find	VERB
asir-2255	53	15	that	that	SCONJ
asir-2255	53	16	greenfield	greenfield	NOUN
asir-2255	53	17	banks	bank	NOUN
asir-2255	53	18	have	have	AUX
asir-2255	53	19	been	be	AUX
asir-2255	53	20	able	able	ADJ
asir-2255	53	21	to	to	PART
asir-2255	53	22	achieve	achieve	VERB
asir-2255	53	23	higher	high	ADJ
asir-2255	53	24	levels	level	NOUN
asir-2255	53	25	of	of	ADP
asir-2255	53	26	efficiency	efficiency	NOUN
asir-2255	53	27	than	than	ADP
asir-2255	53	28	their	their	PRON
asir-2255	53	29	domestic	domestic	ADJ
asir-2255	53	30	peers	peer	NOUN
asir-2255	53	31	,	,	PUNCT
asir-2255	53	32	whilst	whilst	SCONJ
asir-2255	53	33	foreign	foreign	ADJ
asir-2255	53	34	banks	bank	NOUN
asir-2255	53	35	that	that	PRON
asir-2255	53	36	acquired	acquire	VERB
asir-2255	53	37	domestic	domestic	ADJ
asir-2255	53	38	firms	firm	NOUN
asir-2255	53	39	had	have	AUX
asir-2255	53	40	not	not	PART
asir-2255	53	41	succeeded	succeed	VERB
asir-2255	53	42	in	in	ADP
asir-2255	53	43	improving	improve	VERB
asir-2255	53	44	their	their	PRON
asir-2255	53	45	efficiency	efficiency	NOUN
asir-2255	53	46	.	.	PUNCT
asir-2255	54	1	empirical	empirical	ADJ
asir-2255	54	2	studies	study	NOUN
asir-2255	54	3	on	on	ADP
asir-2255	54	4	the	the	DET
asir-2255	54	5	relationship	relationship	NOUN
asir-2255	54	6	between	between	ADP
asir-2255	54	7	bank	bank	NOUN
asir-2255	54	8	size	size	NOUN
asir-2255	54	9	and	and	CCONJ
asir-2255	54	10	efficiency	efficiency	NOUN
asir-2255	54	11	have	have	AUX
asir-2255	54	12	also	also	ADV
asir-2255	54	13	produced	produce	VERB
asir-2255	54	14	mixed	mixed	ADJ
asir-2255	54	15	results	result	NOUN
asir-2255	54	16	of	of	ADP
asir-2255	54	17	the	the	DET
asir-2255	54	18	impact	impact	NOUN
asir-2255	54	19	of	of	ADP
asir-2255	54	20	financial	financial	ADJ
asir-2255	54	21	liberalisation	liberalisation	NOUN
asir-2255	54	22	on	on	ADP
asir-2255	54	23	bank	bank	NOUN
asir-2255	54	24	efficiency	efficiency	NOUN
asir-2255	54	25	.	.	PUNCT
asir-2255	55	1	hauner	hauner	ADJ
asir-2255	55	2	and	and	CCONJ
asir-2255	55	3	peiris	peiris	PROPN
asir-2255	55	4	(	(	PUNCT
asir-2255	55	5	2005	2005	NUM
asir-2255	55	6	)	)	PUNCT
asir-2255	55	7	find	find	VERB
asir-2255	55	8	larger	large	ADJ
asir-2255	55	9	banks	bank	NOUN
asir-2255	55	10	to	to	PART
asir-2255	55	11	be	be	AUX
asir-2255	55	12	more	more	ADV
asir-2255	55	13	efficient	efficient	ADJ
asir-2255	55	14	than	than	ADP
asir-2255	55	15	smaller	small	ADJ
asir-2255	55	16	banks	bank	NOUN
asir-2255	55	17	in	in	ADP
asir-2255	55	18	the	the	DET
asir-2255	55	19	ugandan	ugandan	PROPN
asir-2255	55	20	banking	banking	NOUN
asir-2255	55	21	system	system	NOUN
asir-2255	55	22	.	.	PUNCT
asir-2255	56	1	moffat	moffat	PROPN
asir-2255	56	2	and	and	CCONJ
asir-2255	56	3	valadkhani	valadkhani	PROPN
asir-2255	56	4	(	(	PUNCT
asir-2255	56	5	2008	2008	NUM
asir-2255	56	6	)	)	PUNCT
asir-2255	56	7	show	show	VERB
asir-2255	56	8	that	that	SCONJ
asir-2255	56	9	small	small	ADJ
asir-2255	56	10	and	and	CCONJ
asir-2255	56	11	large	large	ADJ
asir-2255	56	12	institutions	institution	NOUN
asir-2255	56	13	have	have	VERB
asir-2255	56	14	higher	high	ADJ
asir-2255	56	15	levels	level	NOUN
asir-2255	56	16	of	of	ADP
asir-2255	56	17	efficiency	efficiency	NOUN
asir-2255	56	18	than	than	ADP
asir-2255	56	19	medium	medium	ADJ
asir-2255	56	20	-	-	PUNCT
asir-2255	56	21	sized	sized	ADJ
asir-2255	56	22	banks	bank	NOUN
asir-2255	56	23	in	in	ADP
asir-2255	56	24	botswana	botswana	PROPN
asir-2255	56	25	.	.	PROPN
asir-2255	57	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	57	2	applied	apply	VERB
asir-2255	57	3	science	science	NOUN
asir-2255	57	4	and	and	CCONJ
asir-2255	57	5	innovative	innovative	ADJ
asir-2255	57	6	research	research	NOUN
asir-2255	57	7	vol	vol	NOUN
asir-2255	57	8	.	.	PUNCT
asir-2255	58	1	3	3	NUM
asir-2255	58	2	,	,	PUNCT
asir-2255	58	3	no	no	INTJ
asir-2255	58	4	.	.	NOUN
asir-2255	58	5	3	3	NUM
asir-2255	58	6	,	,	PUNCT
asir-2255	58	7	2019	2019	NUM
asir-2255	58	8	193	193	NUM
asir-2255	58	9	published	publish	VERB
asir-2255	58	10	by	by	ADP
asir-2255	58	11	scholink	scholink	PROPN
asir-2255	58	12	inc	inc	PROPN
asir-2255	58	13	.	.	PROPN
asir-2255	58	14	3	3	NUM
asir-2255	58	15	.	.	X
asir-2255	58	16	methodology	methodology	NOUN
asir-2255	58	17	and	and	CCONJ
asir-2255	58	18	data	datum	NOUN
asir-2255	58	19	3.1	3.1	NUM
asir-2255	58	20	the	the	DET
asir-2255	58	21	cost	cost	NOUN
asir-2255	58	22	efficiency	efficiency	NOUN
asir-2255	58	23	model	model	NOUN
asir-2255	58	24	under	under	ADP
asir-2255	58	25	a	a	DET
asir-2255	58	26	liberalised	liberalise	VERB
asir-2255	58	27	financial	financial	ADJ
asir-2255	58	28	system	system	NOUN
asir-2255	58	29	,	,	PUNCT
asir-2255	58	30	banks	bank	NOUN
asir-2255	58	31	are	be	AUX
asir-2255	58	32	expected	expect	VERB
asir-2255	58	33	to	to	PART
asir-2255	58	34	realise	realise	VERB
asir-2255	58	35	efficiency	efficiency	NOUN
asir-2255	58	36	gains	gain	NOUN
asir-2255	58	37	via	via	ADP
asir-2255	58	38	reorganisation	reorganisation	NOUN
asir-2255	58	39	with	with	ADP
asir-2255	58	40	“	"	PUNCT
asir-2255	58	41	prices	price	NOUN
asir-2255	58	42	reducing	reduce	VERB
asir-2255	58	43	towards	towards	ADP
asir-2255	58	44	production	production	NOUN
asir-2255	58	45	costs	cost	NOUN
asir-2255	58	46	under	under	ADP
asir-2255	58	47	the	the	DET
asir-2255	58	48	pressure	pressure	NOUN
asir-2255	58	49	of	of	ADP
asir-2255	58	50	competition	competition	NOUN
asir-2255	58	51	”	"	PUNCT
asir-2255	58	52	(	(	PUNCT
asir-2255	58	53	gardener	gardener	NOUN
asir-2255	58	54	et	et	PROPN
asir-2255	58	55	al	al	PROPN
asir-2255	58	56	.	.	PROPN
asir-2255	58	57	,	,	PUNCT
asir-2255	58	58	2001	2001	NUM
asir-2255	58	59	)	)	PUNCT
asir-2255	58	60	.	.	PUNCT
asir-2255	59	1	operating	operate	VERB
asir-2255	59	2	cost	cost	NOUN
asir-2255	59	3	(	(	PUNCT
asir-2255	59	4	oc	oc	NOUN
asir-2255	59	5	)	)	PUNCT
asir-2255	59	6	is	be	AUX
asir-2255	59	7	used	use	VERB
asir-2255	59	8	as	as	ADP
asir-2255	59	9	dependent	dependent	ADJ
asir-2255	59	10	variable	variable	NOUN
asir-2255	59	11	in	in	ADP
asir-2255	59	12	the	the	DET
asir-2255	59	13	efficiency	efficiency	NOUN
asir-2255	59	14	model	model	NOUN
asir-2255	59	15	and	and	CCONJ
asir-2255	59	16	this	this	DET
asir-2255	59	17	variable	variable	NOUN
asir-2255	59	18	is	be	AUX
asir-2255	59	19	proxied	proxie	VERB
asir-2255	59	20	as	as	ADP
asir-2255	59	21	the	the	DET
asir-2255	59	22	sum	sum	NOUN
asir-2255	59	23	of	of	ADP
asir-2255	59	24	personnel	personnel	NOUN
asir-2255	59	25	and	and	CCONJ
asir-2255	59	26	other	other	ADJ
asir-2255	59	27	non	non	ADJ
asir-2255	59	28	-	-	ADJ
asir-2255	59	29	interest	interest	ADJ
asir-2255	59	30	expenses	expense	NOUN
asir-2255	59	31	.	.	PUNCT
asir-2255	60	1	the	the	DET
asir-2255	60	2	intermediation	intermediation	NOUN
asir-2255	60	3	approach	approach	NOUN
asir-2255	60	4	to	to	ADP
asir-2255	60	5	modelling	model	VERB
asir-2255	60	6	bank	bank	NOUN
asir-2255	60	7	production	production	NOUN
asir-2255	60	8	is	be	AUX
asir-2255	60	9	employed	employ	VERB
asir-2255	60	10	.	.	PUNCT
asir-2255	61	1	this	this	DET
asir-2255	61	2	approach	approach	NOUN
asir-2255	61	3	assumes	assume	VERB
asir-2255	61	4	banks	bank	NOUN
asir-2255	61	5	to	to	PART
asir-2255	61	6	perform	perform	VERB
asir-2255	61	7	an	an	DET
asir-2255	61	8	intermediation	intermediation	NOUN
asir-2255	61	9	role	role	NOUN
asir-2255	61	10	between	between	ADP
asir-2255	61	11	depositors	depositor	NOUN
asir-2255	61	12	and	and	CCONJ
asir-2255	61	13	borrowers	borrower	NOUN
asir-2255	61	14	.	.	PUNCT
asir-2255	62	1	from	from	ADP
asir-2255	62	2	this	this	DET
asir-2255	62	3	perspective	perspective	NOUN
asir-2255	62	4	,	,	PUNCT
asir-2255	62	5	banks	bank	NOUN
asir-2255	62	6	are	be	AUX
asir-2255	62	7	considered	consider	VERB
asir-2255	62	8	to	to	PART
asir-2255	62	9	be	be	AUX
asir-2255	62	10	intermediators	intermediator	NOUN
asir-2255	62	11	of	of	ADP
asir-2255	62	12	financial	financial	ADJ
asir-2255	62	13	services	service	NOUN
asir-2255	62	14	that	that	PRON
asir-2255	62	15	purchase	purchase	VERB
asir-2255	62	16	inputs	input	NOUN
asir-2255	62	17	in	in	ADP
asir-2255	62	18	order	order	NOUN
asir-2255	62	19	to	to	PART
asir-2255	62	20	generate	generate	VERB
asir-2255	62	21	earning	earn	VERB
asir-2255	62	22	assets	asset	NOUN
asir-2255	62	23	as	as	ADP
asir-2255	62	24	output	output	NOUN
asir-2255	62	25	(	(	PUNCT
asir-2255	62	26	sealey	sealey	PROPN
asir-2255	62	27	&	&	CCONJ
asir-2255	62	28	lindley	lindley	PROPN
asir-2255	62	29	,	,	PUNCT
asir-2255	62	30	1977	1977	NUM
asir-2255	62	31	)	)	PUNCT
asir-2255	62	32	.	.	PUNCT
asir-2255	63	1	more	more	ADV
asir-2255	63	2	precisely	precisely	ADV
asir-2255	63	3	,	,	PUNCT
asir-2255	63	4	the	the	DET
asir-2255	63	5	value	value	NOUN
asir-2255	63	6	-	-	PUNCT
asir-2255	63	7	added	add	VERB
asir-2255	63	8	approach	approach	NOUN
asir-2255	63	9	to	to	ADP
asir-2255	63	10	the	the	DET
asir-2255	63	11	intermediation	intermediation	NOUN
asir-2255	63	12	process	process	NOUN
asir-2255	63	13	is	be	AUX
asir-2255	63	14	used	use	VERB
asir-2255	63	15	,	,	PUNCT
asir-2255	63	16	and	and	CCONJ
asir-2255	63	17	estimate	estimate	VERB
asir-2255	63	18	efficiency	efficiency	NOUN
asir-2255	63	19	from	from	ADP
asir-2255	63	20	the	the	DET
asir-2255	63	21	cost	cost	NOUN
asir-2255	63	22	function	function	NOUN
asir-2255	63	23	by	by	ADP
asir-2255	63	24	specifying	specify	VERB
asir-2255	63	25	two	two	NUM
asir-2255	63	26	outputs	output	NOUN
asir-2255	63	27	(	(	PUNCT
asir-2255	63	28	loans	loan	NOUN
asir-2255	63	29	and	and	CCONJ
asir-2255	63	30	deposits	deposit	NOUN
asir-2255	63	31	)	)	PUNCT
asir-2255	63	32	and	and	CCONJ
asir-2255	63	33	two	two	NUM
asir-2255	63	34	inputs	input	NOUN
asir-2255	63	35	(	(	PUNCT
asir-2255	63	36	price	price	NOUN
asir-2255	63	37	of	of	ADP
asir-2255	63	38	labour	labour	NOUN
asir-2255	63	39	and	and	CCONJ
asir-2255	63	40	price	price	NOUN
asir-2255	63	41	of	of	ADP
asir-2255	63	42	deposits	deposit	NOUN
asir-2255	63	43	)	)	PUNCT
asir-2255	63	44	.	.	PUNCT
asir-2255	64	1	these	these	DET
asir-2255	64	2	categories	category	NOUN
asir-2255	64	3	of	of	ADP
asir-2255	64	4	loans	loan	NOUN
asir-2255	64	5	(	(	PUNCT
asir-2255	64	6	ln	ln	ADJ
asir-2255	64	7	)	)	PUNCT
asir-2255	64	8	and	and	CCONJ
asir-2255	64	9	deposits	deposit	NOUN
asir-2255	64	10	(	(	PUNCT
asir-2255	64	11	dp	dp	NOUN
asir-2255	64	12	)	)	PUNCT
asir-2255	64	13	are	be	AUX
asir-2255	64	14	considered	consider	VERB
asir-2255	64	15	as	as	ADP
asir-2255	64	16	the	the	DET
asir-2255	64	17	key	key	ADJ
asir-2255	64	18	outputs	output	NOUN
asir-2255	64	19	,	,	PUNCT
asir-2255	64	20	because	because	SCONJ
asir-2255	64	21	they	they	PRON
asir-2255	64	22	generate	generate	VERB
asir-2255	64	23	the	the	DET
asir-2255	64	24	great	great	ADJ
asir-2255	64	25	majority	majority	NOUN
asir-2255	64	26	of	of	ADP
asir-2255	64	27	value	value	NOUN
asir-2255	64	28	added	add	VERB
asir-2255	64	29	.	.	PUNCT
asir-2255	65	1	the	the	DET
asir-2255	65	2	price	price	NOUN
asir-2255	65	3	of	of	ADP
asir-2255	65	4	labour	labour	NOUN
asir-2255	65	5	is	be	AUX
asir-2255	65	6	proxied	proxie	VERB
asir-2255	65	7	as	as	ADP
asir-2255	65	8	the	the	DET
asir-2255	65	9	ratio	ratio	NOUN
asir-2255	65	10	of	of	ADP
asir-2255	65	11	personnel	personnel	NOUN
asir-2255	65	12	expenses	expense	NOUN
asir-2255	65	13	to	to	ADP
asir-2255	65	14	total	total	ADJ
asir-2255	65	15	assets	asset	NOUN
asir-2255	65	16	,	,	PUNCT
asir-2255	65	17	whereas	whereas	SCONJ
asir-2255	65	18	the	the	DET
asir-2255	65	19	price	price	NOUN
asir-2255	65	20	of	of	ADP
asir-2255	65	21	deposits	deposit	NOUN
asir-2255	65	22	is	be	AUX
asir-2255	65	23	proxied	proxie	VERB
asir-2255	65	24	as	as	ADP
asir-2255	65	25	the	the	DET
asir-2255	65	26	ratio	ratio	NOUN
asir-2255	65	27	of	of	ADP
asir-2255	65	28	interest	interest	NOUN
asir-2255	65	29	expenses	expense	NOUN
asir-2255	65	30	to	to	ADP
asir-2255	65	31	the	the	DET
asir-2255	65	32	value	value	NOUN
asir-2255	65	33	of	of	ADP
asir-2255	65	34	total	total	ADJ
asir-2255	65	35	deposits	deposit	NOUN
asir-2255	65	36	.	.	PUNCT
asir-2255	66	1	these	these	DET
asir-2255	66	2	two	two	NUM
asir-2255	66	3	variables	variable	NOUN
asir-2255	66	4	enter	enter	VERB
asir-2255	66	5	the	the	DET
asir-2255	66	6	regression	regression	NOUN
asir-2255	66	7	as	as	ADP
asir-2255	66	8	the	the	DET
asir-2255	66	9	ratio	ratio	NOUN
asir-2255	66	10	of	of	ADP
asir-2255	66	11	labour	labour	ADJ
asir-2255	66	12	cost	cost	NOUN
asir-2255	66	13	to	to	ADP
asir-2255	66	14	the	the	DET
asir-2255	66	15	price	price	NOUN
asir-2255	66	16	of	of	ADP
asir-2255	66	17	deposits	deposit	NOUN
asir-2255	66	18	(	(	PUNCT
asir-2255	66	19	w	w	NOUN
asir-2255	66	20	)	)	PUNCT
asir-2255	66	21	.	.	PUNCT
asir-2255	67	1	the	the	DET
asir-2255	67	2	dependent	dependent	ADJ
asir-2255	67	3	variable	variable	NOUN
asir-2255	67	4	(	(	PUNCT
asir-2255	67	5	oc	oc	NOUN
asir-2255	67	6	)	)	PUNCT
asir-2255	67	7	also	also	ADV
asir-2255	67	8	enters	enter	VERB
asir-2255	67	9	the	the	DET
asir-2255	67	10	regression	regression	NOUN
asir-2255	67	11	divided	divide	VERB
asir-2255	67	12	by	by	ADP
asir-2255	67	13	the	the	DET
asir-2255	67	14	price	price	NOUN
asir-2255	67	15	of	of	ADP
asir-2255	67	16	deposits	deposit	NOUN
asir-2255	67	17	.	.	PUNCT
asir-2255	68	1	a	a	DET
asir-2255	68	2	time	time	NOUN
asir-2255	68	3	trend	trend	NOUN
asir-2255	68	4	variable	variable	NOUN
asir-2255	68	5	(	(	PUNCT
asir-2255	68	6	t	t	NOUN
asir-2255	68	7	)	)	PUNCT
asir-2255	68	8	is	be	AUX
asir-2255	68	9	included	include	VERB
asir-2255	68	10	to	to	PART
asir-2255	68	11	account	account	VERB
asir-2255	68	12	for	for	ADP
asir-2255	68	13	the	the	DET
asir-2255	68	14	effects	effect	NOUN
asir-2255	68	15	of	of	ADP
asir-2255	68	16	technological	technological	ADJ
asir-2255	68	17	change	change	NOUN
asir-2255	68	18	,	,	PUNCT
asir-2255	68	19	together	together	ADV
asir-2255	68	20	with	with	ADP
asir-2255	68	21	other	other	ADJ
asir-2255	68	22	factors	factor	NOUN
asir-2255	68	23	such	such	ADJ
asir-2255	68	24	as	as	ADP
asir-2255	68	25	regulatory	regulatory	ADJ
asir-2255	68	26	change	change	NOUN
asir-2255	68	27	.	.	PUNCT
asir-2255	69	1	this	this	PRON
asir-2255	69	2	captures	capture	VERB
asir-2255	69	3	the	the	DET
asir-2255	69	4	missing	missing	ADJ
asir-2255	69	5	time	time	NOUN
asir-2255	69	6	dimension	dimension	NOUN
asir-2255	69	7	that	that	PRON
asir-2255	69	8	is	be	AUX
asir-2255	69	9	not	not	PART
asir-2255	69	10	explicitly	explicitly	ADV
asir-2255	69	11	modelled	model	VERB
asir-2255	69	12	in	in	ADP
asir-2255	69	13	the	the	DET
asir-2255	69	14	cost	cost	NOUN
asir-2255	69	15	function	function	NOUN
asir-2255	69	16	.	.	PUNCT
asir-2255	70	1	three	three	NUM
asir-2255	70	2	bank	bank	NOUN
asir-2255	70	3	-	-	PUNCT
asir-2255	70	4	specific	specific	ADJ
asir-2255	70	5	indicators	indicator	NOUN
asir-2255	70	6	that	that	PRON
asir-2255	70	7	capture	capture	VERB
asir-2255	70	8	credit	credit	NOUN
asir-2255	70	9	,	,	PUNCT
asir-2255	70	10	capital	capital	NOUN
asir-2255	70	11	and	and	CCONJ
asir-2255	70	12	liquidity	liquidity	NOUN
asir-2255	70	13	risk	risk	NOUN
asir-2255	70	14	are	be	AUX
asir-2255	70	15	also	also	ADV
asir-2255	70	16	included	include	VERB
asir-2255	70	17	to	to	PART
asir-2255	70	18	control	control	VERB
asir-2255	70	19	for	for	ADP
asir-2255	70	20	differences	difference	NOUN
asir-2255	70	21	in	in	ADP
asir-2255	70	22	the	the	DET
asir-2255	70	23	banks	bank	NOUN
asir-2255	70	24	’	’	PART
asir-2255	70	25	risk	risk	NOUN
asir-2255	70	26	profile	profile	NOUN
asir-2255	70	27	,	,	PUNCT
asir-2255	70	28	since	since	SCONJ
asir-2255	70	29	measured	measure	VERB
asir-2255	70	30	efficiency	efficiency	NOUN
asir-2255	70	31	may	may	AUX
asir-2255	70	32	reflect	reflect	VERB
asir-2255	70	33	variation	variation	NOUN
asir-2255	70	34	in	in	ADP
asir-2255	70	35	risk	risk	NOUN
asir-2255	70	36	-	-	PUNCT
asir-2255	70	37	taking	take	VERB
asir-2255	70	38	strategies	strategy	NOUN
asir-2255	70	39	across	across	ADP
asir-2255	70	40	banks	bank	NOUN
asir-2255	70	41	.	.	PUNCT
asir-2255	71	1	credit	credit	NOUN
asir-2255	71	2	risk	risk	NOUN
asir-2255	71	3	(	(	PUNCT
asir-2255	71	4	crd	crd	NOUN
asir-2255	71	5	)	)	PUNCT
asir-2255	71	6	is	be	AUX
asir-2255	71	7	measured	measure	VERB
asir-2255	71	8	as	as	ADP
asir-2255	71	9	the	the	DET
asir-2255	71	10	ratio	ratio	NOUN
asir-2255	71	11	of	of	ADP
asir-2255	71	12	provisions	provision	NOUN
asir-2255	71	13	for	for	ADP
asir-2255	71	14	bad	bad	ADJ
asir-2255	71	15	and	and	CCONJ
asir-2255	71	16	doubtful	doubtful	ADJ
asir-2255	71	17	debts	debt	NOUN
asir-2255	71	18	to	to	ADP
asir-2255	71	19	gross	gross	ADJ
asir-2255	71	20	loans	loan	NOUN
asir-2255	71	21	;	;	PUNCT
asir-2255	71	22	capital	capital	NOUN
asir-2255	71	23	risk	risk	NOUN
asir-2255	71	24	(	(	PUNCT
asir-2255	71	25	cap	cap	NOUN
asir-2255	71	26	)	)	PUNCT
asir-2255	71	27	as	as	ADP
asir-2255	71	28	the	the	DET
asir-2255	71	29	ratio	ratio	NOUN
asir-2255	71	30	of	of	ADP
asir-2255	71	31	shareholders	shareholder	NOUN
asir-2255	71	32	’	'	PUNCT
asir-2255	71	33	funds	fund	NOUN
asir-2255	71	34	to	to	ADP
asir-2255	71	35	total	total	ADJ
asir-2255	71	36	assets	asset	NOUN
asir-2255	71	37	;	;	PUNCT
asir-2255	71	38	and	and	CCONJ
asir-2255	71	39	liquidity	liquidity	NOUN
asir-2255	71	40	risk	risk	NOUN
asir-2255	71	41	(	(	PUNCT
asir-2255	71	42	liq	liq	NOUN
asir-2255	71	43	)	)	PUNCT
asir-2255	71	44	as	as	ADP
asir-2255	71	45	the	the	DET
asir-2255	71	46	ratio	ratio	NOUN
asir-2255	71	47	of	of	ADP
asir-2255	71	48	liquid	liquid	ADJ
asir-2255	71	49	assets	asset	NOUN
asir-2255	71	50	to	to	PART
asir-2255	71	51	total	total	VERB
asir-2255	71	52	bank	bank	NOUN
asir-2255	71	53	liabilities	liability	NOUN
asir-2255	71	54	.	.	PUNCT
asir-2255	72	1	on	on	ADP
asir-2255	72	2	the	the	DET
asir-2255	72	3	basis	basis	NOUN
asir-2255	72	4	of	of	ADP
asir-2255	72	5	the	the	DET
asir-2255	72	6	aforementioned	aforementioned	ADJ
asir-2255	72	7	variable	variable	ADJ
asir-2255	72	8	definitions	definition	NOUN
asir-2255	72	9	,	,	PUNCT
asir-2255	72	10	the	the	DET
asir-2255	72	11	preferred	preferred	ADJ
asir-2255	72	12	cost	cost	NOUN
asir-2255	72	13	efficiency	efficiency	NOUN
asir-2255	72	14	model	model	NOUN
asir-2255	72	15	is	be	AUX
asir-2255	72	16	specified	specify	VERB
asir-2255	72	17	using	use	VERB
asir-2255	72	18	a	a	DET
asir-2255	72	19	two	two	NUM
asir-2255	72	20	-	-	PUNCT
asir-2255	72	21	output	output	NOUN
asir-2255	72	22	,	,	PUNCT
asir-2255	72	23	two	two	NUM
asir-2255	72	24	-	-	PUNCT
asir-2255	72	25	input	input	NOUN
asir-2255	72	26	translog	translog	NOUN
asir-2255	72	27	functional	functional	ADJ
asir-2255	72	28	form	form	NOUN
asir-2255	72	29	.	.	PUNCT
asir-2255	73	1	the	the	DET
asir-2255	73	2	efficiency	efficiency	NOUN
asir-2255	73	3	estimate	estimate	NOUN
asir-2255	73	4	is	be	AUX
asir-2255	73	5	derived	derive	VERB
asir-2255	73	6	from	from	ADP
asir-2255	73	7	a	a	DET
asir-2255	73	8	cost	cost	NOUN
asir-2255	73	9	function	function	NOUN
asir-2255	73	10	(	(	PUNCT
asir-2255	73	11	1	1	NUM
asir-2255	73	12	):	):	PUNCT
asir-2255	73	13	2	2	NUM
asir-2255	73	14	0	0	NUM
asir-2255	73	15	)	)	PUNCT
asir-2255	73	16	(	(	PUNCT
asir-2255	73	17	ln	ln	NOUN
asir-2255	73	18	2	2	NUM
asir-2255	73	19	1	1	NUM
asir-2255	73	20	lnlnlnln	lnlnlnln	NOUN
asir-2255	73	21	itppitditlitpit	itppitditlitpit	NOUN
asir-2255	73	22	wdplnwoc	wdplnwoc	NOUN
asir-2255	73	23			PROPN
asir-2255	73	24			VERB
asir-2255	73	25			PROPN
asir-2255	73	26	ititlddditll	ititlddditll	NOUN
asir-2255	73	27	dplndpln	dplndpln	NOUN
asir-2255	73	28	lnln)(ln	lnln)(ln	PROPN
asir-2255	73	29	2	2	NUM
asir-2255	73	30	1	1	NUM
asir-2255	73	31	)	)	PUNCT
asir-2255	73	32	(	(	PUNCT
asir-2255	73	33	ln	ln	NOUN
asir-2255	73	34	2	2	NUM
asir-2255	73	35	1	1	NUM
asir-2255	73	36	22	22	NUM
asir-2255	73	37			NOUN
asir-2255	73	38			AUX
asir-2255	73	39	ittpititpdititpl	ittpititpdititpl	VERB
asir-2255	73	40	wtdpwlnw	wtdpwlnw	NOUN
asir-2255	73	41	lnlnlnlnln	lnlnlnlnln	NOUN
asir-2255	73	42			NOUN
asir-2255	73	43			ADJ
asir-2255	73	44			ADJ
asir-2255	73	45	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	73	46	applied	apply	VERB
asir-2255	73	47	science	science	NOUN
asir-2255	73	48	and	and	CCONJ
asir-2255	73	49	innovative	innovative	ADJ
asir-2255	73	50	research	research	NOUN
asir-2255	73	51	vol	vol	NOUN
asir-2255	73	52	.	.	PUNCT
asir-2255	74	1	3	3	NUM
asir-2255	74	2	,	,	PUNCT
asir-2255	74	3	no	no	INTJ
asir-2255	74	4	.	.	NOUN
asir-2255	74	5	3	3	NUM
asir-2255	74	6	,	,	PUNCT
asir-2255	74	7	2019	2019	NUM
asir-2255	74	8	194	194	NUM
asir-2255	74	9	published	publish	VERB
asir-2255	74	10	by	by	ADP
asir-2255	74	11	scholink	scholink	PROPN
asir-2255	74	12	inc	inc	PROPN
asir-2255	74	13	.	.	PROPN
asir-2255	74	14	itrtttittdittl	itrtttittdittl	PROPN
asir-2255	74	15	crdttdptlnt	crdttdptlnt	VERB
asir-2255	74	16	1	1	NUM
asir-2255	74	17	2	2	NUM
asir-2255	74	18	2	2	NUM
asir-2255	74	19	1	1	NUM
asir-2255	74	20	lnln	lnln	NOUN
asir-2255	74	21			PROPN
asir-2255	74	22	itititritr	itititritr	PROPN
asir-2255	74	23	uvliqcap	uvliqcap	ADJ
asir-2255	74	24			ADJ
asir-2255	74	25	32	32	NUM
asir-2255	74	26			NOUN
asir-2255	74	27	(	(	PUNCT
asir-2255	74	28	1	1	X
asir-2255	74	29	)	)	PUNCT
asir-2255	74	30	where	where	SCONJ
asir-2255	74	31	for	for	ADP
asir-2255	74	32	the	the	DET
asir-2255	74	33	i	i	PROPN
asir-2255	74	34	-	-	PUNCT
asir-2255	74	35	th	th	X
asir-2255	74	36	bank	bank	NOUN
asir-2255	74	37	in	in	ADP
asir-2255	74	38	the	the	DET
asir-2255	74	39	t	t	PROPN
asir-2255	74	40	-	-	PUNCT
asir-2255	74	41	th	th	NUM
asir-2255	74	42	time	time	NOUN
asir-2255	74	43	period	period	NOUN
asir-2255	74	44	,	,	PUNCT
asir-2255	74	45	,	,	PUNCT
asir-2255	74	46	ln	ln	ADJ
asir-2255	74	47	itoc	itoc	NOUN
asir-2255	74	48	,	,	PUNCT
asir-2255	74	49	ln	ln	NOUN
asir-2255	74	50	itw	itw	NOUN
asir-2255	74	51	,	,	PUNCT
asir-2255	74	52	ln	ln	ADJ
asir-2255	74	53	itln	itln	NOUN
asir-2255	74	54	and	and	CCONJ
asir-2255	74	55	itdpln	itdpln	NOUN
asir-2255	74	56	denote	denote	VERB
asir-2255	74	57	the	the	DET
asir-2255	74	58	natural	natural	ADJ
asir-2255	74	59	logarithms	logarithm	NOUN
asir-2255	74	60	of	of	ADP
asir-2255	74	61	operating	operate	VERB
asir-2255	74	62	cost	cost	NOUN
asir-2255	74	63	,	,	PUNCT
asir-2255	74	64	input	input	NOUN
asir-2255	74	65	prices	price	NOUN
asir-2255	74	66	of	of	ADP
asir-2255	74	67	labour	labour	NOUN
asir-2255	74	68	and	and	CCONJ
asir-2255	74	69	deposits	deposit	NOUN
asir-2255	74	70	,	,	PUNCT
asir-2255	74	71	as	as	ADV
asir-2255	74	72	well	well	ADV
asir-2255	74	73	as	as	ADP
asir-2255	74	74	loans	loan	NOUN
asir-2255	74	75	and	and	CCONJ
asir-2255	74	76	deposits	deposit	NOUN
asir-2255	74	77	for	for	ADP
asir-2255	74	78	bank	bank	NOUN
asir-2255	74	79	outputs	output	NOUN
asir-2255	74	80	,	,	PUNCT
asir-2255	74	81	respectively	respectively	ADV
asir-2255	74	82	;	;	PUNCT
asir-2255	74	83	t	t	PROPN
asir-2255	74	84	captures	capture	VERB
asir-2255	74	85	the	the	DET
asir-2255	74	86	effects	effect	NOUN
asir-2255	74	87	of	of	ADP
asir-2255	74	88	technical	technical	ADJ
asir-2255	74	89	progress	progress	NOUN
asir-2255	74	90	(	(	PUNCT
asir-2255	74	91	including	include	VERB
asir-2255	74	92	linear	linear	ADJ
asir-2255	74	93	and	and	CCONJ
asir-2255	74	94	quadratic	quadratic	ADJ
asir-2255	74	95	time	time	NOUN
asir-2255	74	96	trend	trend	NOUN
asir-2255	74	97	,	,	PUNCT
asir-2255	74	98	as	as	ADV
asir-2255	74	99	well	well	ADV
asir-2255	74	100	as	as	ADP
asir-2255	74	101	trend	trend	NOUN
asir-2255	74	102	interaction	interaction	NOUN
asir-2255	74	103	terms	term	NOUN
asir-2255	74	104	)	)	PUNCT
asir-2255	74	105	;	;	PUNCT
asir-2255	74	106	,	,	PUNCT
asir-2255	74	107	itcrd	itcrd	NOUN
asir-2255	74	108	,	,	PUNCT
asir-2255	74	109	itcap	itcap	NOUN
asir-2255	74	110	and	and	CCONJ
asir-2255	74	111	itliq	itliq	NOUN
asir-2255	74	112	represent	represent	VERB
asir-2255	74	113	the	the	DET
asir-2255	74	114	natural	natural	ADJ
asir-2255	74	115	logarithms	logarithm	NOUN
asir-2255	74	116	of	of	ADP
asir-2255	74	117	the	the	DET
asir-2255	74	118	variables	variable	NOUN
asir-2255	74	119	controlling	control	VERB
asir-2255	74	120	for	for	ADP
asir-2255	74	121	credit	credit	NOUN
asir-2255	74	122	,	,	PUNCT
asir-2255	74	123	capital	capital	NOUN
asir-2255	74	124	and	and	CCONJ
asir-2255	74	125	liquidity	liquidity	NOUN
asir-2255	74	126	risk	risk	NOUN
asir-2255	74	127	;	;	PUNCT
asir-2255	74	128	and	and	CCONJ
asir-2255	74	129	itv	itv	PROPN
asir-2255	74	130	is	be	AUX
asir-2255	74	131	a	a	DET
asir-2255	74	132	random	random	ADJ
asir-2255	74	133	noise	noise	NOUN
asir-2255	74	134	variable	variable	NOUN
asir-2255	74	135	that	that	PRON
asir-2255	74	136	is	be	AUX
asir-2255	74	137	distributed	distribute	VERB
asir-2255	74	138	independently	independently	ADV
asir-2255	74	139	and	and	CCONJ
asir-2255	74	140	identically	identically	ADV
asir-2255	74	141	according	accord	VERB
asir-2255	74	142	to	to	ADP
asir-2255	74	143	standard	standard	ADJ
asir-2255	74	144	normal	normal	ADJ
asir-2255	74	145	distribution	distribution	NOUN
asir-2255	74	146	,	,	PUNCT
asir-2255	74	147	whereas	whereas	SCONJ
asir-2255	74	148	itu	itu	PROPN
asir-2255	74	149	is	be	AUX
asir-2255	74	150	a	a	DET
asir-2255	74	151	non	non	ADJ
asir-2255	74	152	-	-	ADJ
asir-2255	74	153	negative	negative	ADJ
asir-2255	74	154	random	random	ADJ
asir-2255	74	155	variable	variable	NOUN
asir-2255	74	156	that	that	PRON
asir-2255	74	157	captures	capture	VERB
asir-2255	74	158	the	the	DET
asir-2255	74	159	effects	effect	NOUN
asir-2255	74	160	of	of	ADP
asir-2255	74	161	inefficiency	inefficiency	NOUN
asir-2255	74	162	and	and	CCONJ
asir-2255	74	163	is	be	AUX
asir-2255	74	164	assumed	assume	VERB
asir-2255	74	165	to	to	PART
asir-2255	74	166	be	be	AUX
asir-2255	74	167	independently	independently	ADV
asir-2255	74	168	but	but	CCONJ
asir-2255	74	169	not	not	PART
asir-2255	74	170	identically	identically	ADV
asir-2255	74	171	distributed	distribute	VERB
asir-2255	74	172	according	accord	VERB
asir-2255	74	173	to	to	ADP
asir-2255	74	174	a	a	DET
asir-2255	74	175	truncated	truncate	VERB
asir-2255	74	176	-	-	PUNCT
asir-2255	74	177	normal	normal	ADJ
asir-2255	74	178	distribution	distribution	NOUN
asir-2255	74	179	.	.	PUNCT
asir-2255	75	1	3.2	3.2	NUM
asir-2255	75	2	correlates	correlate	VERB
asir-2255	75	3	of	of	ADP
asir-2255	75	4	bank	bank	NOUN
asir-2255	75	5	inefficiency	inefficiency	NOUN
asir-2255	75	6	after	after	ADP
asir-2255	75	7	estimating	estimate	VERB
asir-2255	75	8	cost	cost	NOUN
asir-2255	75	9	efficiency	efficiency	NOUN
asir-2255	75	10	measures	measure	NOUN
asir-2255	75	11	for	for	ADP
asir-2255	75	12	ghanaian	ghanaian	ADJ
asir-2255	75	13	banks	bank	NOUN
asir-2255	75	14	,	,	PUNCT
asir-2255	75	15	one	one	PRON
asir-2255	75	16	may	may	AUX
asir-2255	75	17	investigate	investigate	VERB
asir-2255	75	18	further	far	ADV
asir-2255	75	19	the	the	DET
asir-2255	75	20	factors	factor	NOUN
asir-2255	75	21	that	that	PRON
asir-2255	75	22	are	be	AUX
asir-2255	75	23	correlated	correlate	VERB
asir-2255	75	24	with	with	ADP
asir-2255	75	25	bank	bank	NOUN
asir-2255	75	26	inefficiency	inefficiency	NOUN
asir-2255	75	27	.	.	PUNCT
asir-2255	76	1	to	to	PART
asir-2255	76	2	do	do	VERB
asir-2255	76	3	this	this	PRON
asir-2255	76	4	,	,	PUNCT
asir-2255	76	5	the	the	DET
asir-2255	76	6	conditional	conditional	ADJ
asir-2255	76	7	mean	mean	NOUN
asir-2255	76	8	model	model	NOUN
asir-2255	76	9	of	of	ADP
asir-2255	76	10	battese	battese	PROPN
asir-2255	76	11	and	and	CCONJ
asir-2255	76	12	coelli	coelli	PROPN
asir-2255	76	13	(	(	PUNCT
asir-2255	76	14	1995	1995	NUM
asir-2255	76	15	)	)	PUNCT
asir-2255	76	16	is	be	AUX
asir-2255	76	17	employed	employ	VERB
asir-2255	76	18	,	,	PUNCT
asir-2255	76	19	which	which	PRON
asir-2255	76	20	allows	allow	VERB
asir-2255	76	21	in	in	ADP
asir-2255	76	22	a	a	DET
asir-2255	76	23	one	one	NUM
asir-2255	76	24	-	-	PUNCT
asir-2255	76	25	step	step	NOUN
asir-2255	76	26	procedure	procedure	NOUN
asir-2255	76	27	estimation	estimation	NOUN
asir-2255	76	28	of	of	ADP
asir-2255	76	29	the	the	DET
asir-2255	76	30	cost	cost	NOUN
asir-2255	76	31	function	function	NOUN
asir-2255	76	32	and	and	CCONJ
asir-2255	76	33	identification	identification	NOUN
asir-2255	76	34	of	of	ADP
asir-2255	76	35	the	the	DET
asir-2255	76	36	correlates	correlate	NOUN
asir-2255	76	37	of	of	ADP
asir-2255	76	38	bank	bank	NOUN
asir-2255	76	39	inefficiency	inefficiency	NOUN
asir-2255	76	40	.	.	PUNCT
asir-2255	77	1	inefficiency	inefficiency	NOUN
asir-2255	77	2	scores	score	NOUN
asir-2255	77	3	are	be	AUX
asir-2255	77	4	first	first	ADV
asir-2255	77	5	derived	derive	VERB
asir-2255	77	6	from	from	ADP
asir-2255	77	7	the	the	DET
asir-2255	77	8	model	model	NOUN
asir-2255	77	9	,	,	PUNCT
asir-2255	77	10	and	and	CCONJ
asir-2255	77	11	then	then	ADV
asir-2255	77	12	,	,	PUNCT
asir-2255	77	13	express	express	VERB
asir-2255	77	14	these	these	DET
asir-2255	77	15	scores	score	NOUN
asir-2255	77	16	as	as	ADP
asir-2255	77	17	an	an	DET
asir-2255	77	18	explicit	explicit	ADJ
asir-2255	77	19	function	function	NOUN
asir-2255	77	20	of	of	ADP
asir-2255	77	21	a	a	DET
asir-2255	77	22	vector	vector	NOUN
asir-2255	77	23	of	of	ADP
asir-2255	77	24	predictor	predictor	NOUN
asir-2255	77	25	variables	variable	NOUN
asir-2255	77	26	which	which	PRON
asir-2255	77	27	in	in	ADP
asir-2255	77	28	this	this	DET
asir-2255	77	29	case	case	NOUN
asir-2255	77	30	measure	measure	NOUN
asir-2255	77	31	characteristics	characteristic	NOUN
asir-2255	77	32	of	of	ADP
asir-2255	77	33	functioning	function	VERB
asir-2255	77	34	institutions	institution	NOUN
asir-2255	77	35	.	.	PUNCT
asir-2255	78	1	the	the	DET
asir-2255	78	2	institutional	institutional	ADJ
asir-2255	78	3	variables	variable	NOUN
asir-2255	78	4	employed	employ	VERB
asir-2255	78	5	to	to	PART
asir-2255	78	6	investigate	investigate	VERB
asir-2255	78	7	the	the	DET
asir-2255	78	8	factors	factor	NOUN
asir-2255	78	9	that	that	PRON
asir-2255	78	10	are	be	AUX
asir-2255	78	11	correlated	correlate	VERB
asir-2255	78	12	with	with	ADP
asir-2255	78	13	bank	bank	NOUN
asir-2255	78	14	inefficiency	inefficiency	NOUN
asir-2255	78	15	include	include	VERB
asir-2255	78	16	bank	bank	NOUN
asir-2255	78	17	governance	governance	NOUN
asir-2255	78	18	,	,	PUNCT
asir-2255	78	19	competition	competition	NOUN
asir-2255	78	20	,	,	PUNCT
asir-2255	78	21	and	and	CCONJ
asir-2255	78	22	bank	bank	NOUN
asir-2255	78	23	size	size	NOUN
asir-2255	78	24	.	.	PUNCT
asir-2255	79	1	these	these	PRON
asir-2255	79	2	are	be	AUX
asir-2255	79	3	discussed	discuss	VERB
asir-2255	79	4	below	below	ADV
asir-2255	79	5	.	.	PUNCT
asir-2255	80	1	3.2.1	3.2.1	NUM
asir-2255	80	2	bank	bank	NOUN
asir-2255	80	3	governance	governance	NOUN
asir-2255	80	4	the	the	DET
asir-2255	80	5	issue	issue	NOUN
asir-2255	80	6	of	of	ADP
asir-2255	80	7	bank	bank	NOUN
asir-2255	80	8	governance	governance	NOUN
asir-2255	80	9	has	have	AUX
asir-2255	80	10	been	be	AUX
asir-2255	80	11	of	of	ADP
asir-2255	80	12	concern	concern	NOUN
asir-2255	80	13	to	to	ADP
asir-2255	80	14	researchers	researcher	NOUN
asir-2255	80	15	since	since	SCONJ
asir-2255	80	16	financial	financial	ADJ
asir-2255	80	17	liberalisation	liberalisation	NOUN
asir-2255	80	18	was	be	AUX
asir-2255	80	19	introduced	introduce	VERB
asir-2255	80	20	in	in	ADP
asir-2255	80	21	a	a	DET
asir-2255	80	22	number	number	NOUN
asir-2255	80	23	of	of	ADP
asir-2255	80	24	reforming	reform	VERB
asir-2255	80	25	economies	economy	NOUN
asir-2255	80	26	(	(	PUNCT
asir-2255	80	27	note	note	NOUN
asir-2255	80	28	2	2	NUM
asir-2255	80	29	)	)	PUNCT
asir-2255	80	30	.	.	PUNCT
asir-2255	81	1	this	this	PRON
asir-2255	81	2	has	have	AUX
asir-2255	81	3	resulted	result	VERB
asir-2255	81	4	in	in	ADP
asir-2255	81	5	a	a	DET
asir-2255	81	6	proliferation	proliferation	NOUN
asir-2255	81	7	of	of	ADP
asir-2255	81	8	efficiency	efficiency	NOUN
asir-2255	81	9	studies	study	NOUN
asir-2255	81	10	on	on	ADP
asir-2255	81	11	bank	bank	NOUN
asir-2255	81	12	ownership	ownership	NOUN
asir-2255	81	13	in	in	ADP
asir-2255	81	14	recent	recent	ADJ
asir-2255	81	15	decades	decade	NOUN
asir-2255	81	16	.	.	PUNCT
asir-2255	82	1	causes	cause	NOUN
asir-2255	82	2	of	of	ADP
asir-2255	82	3	changes	change	NOUN
asir-2255	82	4	in	in	ADP
asir-2255	82	5	ownership	ownership	NOUN
asir-2255	82	6	and	and	CCONJ
asir-2255	82	7	other	other	ADJ
asir-2255	82	8	organisational	organisational	ADJ
asir-2255	82	9	restructuring	restructuring	NOUN
asir-2255	82	10	include	include	VERB
asir-2255	82	11	both	both	CCONJ
asir-2255	82	12	domestic	domestic	ADJ
asir-2255	82	13	and	and	CCONJ
asir-2255	82	14	foreign	foreign	ADJ
asir-2255	82	15	mergers	merger	NOUN
asir-2255	82	16	and	and	CCONJ
asir-2255	82	17	acquisitions	acquisition	NOUN
asir-2255	82	18	,	,	PUNCT
asir-2255	82	19	privatisation	privatisation	NOUN
asir-2255	82	20	,	,	PUNCT
asir-2255	82	21	restructuring	restructuring	NOUN
asir-2255	82	22	of	of	ADP
asir-2255	82	23	distressed	distressed	ADJ
asir-2255	82	24	banks	bank	NOUN
asir-2255	82	25	,	,	PUNCT
asir-2255	82	26	and	and	CCONJ
asir-2255	82	27	bank	bank	NOUN
asir-2255	82	28	closures	closure	NOUN
asir-2255	82	29	.	.	PUNCT
asir-2255	83	1	the	the	DET
asir-2255	83	2	approach	approach	NOUN
asir-2255	83	3	to	to	ADP
asir-2255	83	4	measuring	measure	VERB
asir-2255	83	5	bank	bank	NOUN
asir-2255	83	6	governance	governance	NOUN
asir-2255	83	7	has	have	AUX
asir-2255	83	8	varied	vary	VERB
asir-2255	83	9	with	with	ADP
asir-2255	83	10	respect	respect	NOUN
asir-2255	83	11	to	to	ADP
asir-2255	83	12	the	the	DET
asir-2255	83	13	economies	economy	NOUN
asir-2255	83	14	concerned	concern	VERB
asir-2255	83	15	,	,	PUNCT
asir-2255	83	16	managerial	managerial	ADJ
asir-2255	83	17	structure	structure	NOUN
asir-2255	83	18	and	and	CCONJ
asir-2255	83	19	data	datum	NOUN
asir-2255	83	20	availability	availability	NOUN
asir-2255	83	21	.	.	PUNCT
asir-2255	84	1	according	accord	VERB
asir-2255	84	2	to	to	ADP
asir-2255	84	3	berger	berger	PROPN
asir-2255	84	4	et	et	PROPN
asir-2255	84	5	al	al	PROPN
asir-2255	84	6	.	.	PROPN
asir-2255	85	1	(	(	PUNCT
asir-2255	85	2	2005	2005	NUM
asir-2255	85	3	)	)	PUNCT
asir-2255	85	4	,	,	PUNCT
asir-2255	85	5	it	it	PRON
asir-2255	85	6	is	be	AUX
asir-2255	85	7	important	important	ADJ
asir-2255	85	8	to	to	PART
asir-2255	85	9	control	control	VERB
asir-2255	85	10	for	for	ADP
asir-2255	85	11	all	all	PRON
asir-2255	85	12	of	of	ADP
asir-2255	85	13	the	the	DET
asir-2255	85	14	major	major	ADJ
asir-2255	85	15	governance	governance	NOUN
asir-2255	85	16	changes	change	NOUN
asir-2255	85	17	that	that	PRON
asir-2255	85	18	affect	affect	VERB
asir-2255	85	19	the	the	DET
asir-2255	85	20	performance	performance	NOUN
asir-2255	85	21	of	of	ADP
asir-2255	85	22	an	an	DET
asir-2255	85	23	economy	economy	NOUN
asir-2255	85	24	’s	’s	PART
asir-2255	85	25	banking	banking	NOUN
asir-2255	85	26	sector	sector	NOUN
asir-2255	85	27	in	in	ADP
asir-2255	85	28	order	order	NOUN
asir-2255	85	29	to	to	PART
asir-2255	85	30	avoid	avoid	VERB
asir-2255	85	31	misspecification	misspecification	NOUN
asir-2255	85	32	,	,	PUNCT
asir-2255	85	33	bias	bias	NOUN
asir-2255	85	34	and	and	CCONJ
asir-2255	85	35	misleading	misleading	ADJ
asir-2255	85	36	results	result	NOUN
asir-2255	85	37	.	.	PUNCT
asir-2255	86	1	for	for	ADP
asir-2255	86	2	this	this	DET
asir-2255	86	3	reason	reason	NOUN
asir-2255	86	4	,	,	PUNCT
asir-2255	86	5	several	several	ADJ
asir-2255	86	6	authors	author	NOUN
asir-2255	86	7	have	have	AUX
asir-2255	86	8	developed	develop	VERB
asir-2255	86	9	a	a	DET
asir-2255	86	10	framework	framework	NOUN
asir-2255	86	11	that	that	PRON
asir-2255	86	12	captures	capture	VERB
asir-2255	86	13	the	the	DET
asir-2255	86	14	static	static	ADJ
asir-2255	86	15	,	,	PUNCT
asir-2255	86	16	selection	selection	NOUN
asir-2255	86	17	,	,	PUNCT
asir-2255	86	18	and	and	CCONJ
asir-2255	86	19	dynamic	dynamic	ADJ
asir-2255	86	20	effects	effect	NOUN
asir-2255	86	21	of	of	ADP
asir-2255	86	22	changes	change	NOUN
asir-2255	86	23	in	in	ADP
asir-2255	86	24	bank	bank	NOUN
asir-2255	86	25	governance	governance	NOUN
asir-2255	86	26	on	on	ADP
asir-2255	86	27	bank	bank	NOUN
asir-2255	86	28	performance	performance	NOUN
asir-2255	86	29	.	.	PUNCT
asir-2255	87	1	governance	governance	NOUN
asir-2255	87	2	changes	change	NOUN
asir-2255	87	3	are	be	AUX
asir-2255	87	4	usually	usually	ADV
asir-2255	87	5	specified	specify	VERB
asir-2255	87	6	using	use	VERB
asir-2255	87	7	dummy	dummy	ADJ
asir-2255	87	8	variables	variable	NOUN
asir-2255	87	9	.	.	PUNCT
asir-2255	88	1	due	due	ADP
asir-2255	88	2	to	to	ADP
asir-2255	88	3	data	datum	NOUN
asir-2255	88	4	constraints	constraint	NOUN
asir-2255	88	5	,	,	PUNCT
asir-2255	88	6	the	the	DET
asir-2255	88	7	method	method	NOUN
asir-2255	88	8	applied	apply	VERB
asir-2255	88	9	in	in	ADP
asir-2255	88	10	this	this	DET
asir-2255	88	11	study	study	NOUN
asir-2255	88	12	only	only	ADV
asir-2255	88	13	includes	include	VERB
asir-2255	88	14	three	three	NUM
asir-2255	88	15	static	static	ADJ
asir-2255	88	16	variables	variable	NOUN
asir-2255	88	17	for	for	ADP
asir-2255	88	18	foreign	foreign	NOUN
asir-2255	88	19	-	-	PUNCT
asir-2255	88	20	owned	own	VERB
asir-2255	88	21	,	,	PUNCT
asir-2255	88	22	private	private	ADJ
asir-2255	88	23	domestic	domestic	NOUN
asir-2255	88	24	-	-	PUNCT
asir-2255	88	25	owned	own	VERB
asir-2255	88	26	and	and	CCONJ
asir-2255	88	27	state	state	NOUN
asir-2255	88	28	-	-	PUNCT
asir-2255	88	29	owned	own	VERB
asir-2255	88	30	banks	bank	NOUN
asir-2255	88	31	;	;	PUNCT
asir-2255	88	32	one	one	NUM
asir-2255	88	33	selection	selection	NOUN
asir-2255	88	34	variable	variable	NOUN
asir-2255	88	35	for	for	ADP
asir-2255	88	36	cross	cross	ADJ
asir-2255	88	37	-	-	ADJ
asir-2255	88	38	border	border	ADJ
asir-2255	88	39	merger	merger	NOUN
asir-2255	88	40	and	and	CCONJ
asir-2255	88	41	acquisition	acquisition	NOUN
asir-2255	88	42	;	;	PUNCT
asir-2255	88	43	and	and	CCONJ
asir-2255	88	44	two	two	NUM
asir-2255	88	45	dynamic	dynamic	ADJ
asir-2255	88	46	variables	variable	NOUN
asir-2255	88	47	for	for	ADP
asir-2255	88	48	the	the	DET
asir-2255	88	49	selection	selection	NOUN
asir-2255	88	50	dummy	dummy	NOUN
asir-2255	88	51	that	that	PRON
asir-2255	88	52	include	include	VERB
asir-2255	88	53	both	both	CCONJ
asir-2255	88	54	short	short	ADJ
asir-2255	88	55	and	and	CCONJ
asir-2255	88	56	long	long	ADJ
asir-2255	88	57	-	-	PUNCT
asir-2255	88	58	term	term	NOUN
asir-2255	88	59	performance	performance	NOUN
asir-2255	88	60	effects	effect	NOUN
asir-2255	88	61	for	for	ADP
asir-2255	88	62	the	the	DET
asir-2255	88	63	bank	bank	NOUN
asir-2255	88	64	concerned	concern	VERB
asir-2255	88	65	(	(	PUNCT
asir-2255	88	66	see	see	VERB
asir-2255	88	67	below	below	ADV
asir-2255	88	68	)	)	PUNCT
asir-2255	88	69	.	.	PUNCT
asir-2255	89	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	89	2	applied	apply	VERB
asir-2255	89	3	science	science	NOUN
asir-2255	89	4	and	and	CCONJ
asir-2255	89	5	innovative	innovative	ADJ
asir-2255	89	6	research	research	NOUN
asir-2255	89	7	vol	vol	NOUN
asir-2255	89	8	.	.	PUNCT
asir-2255	90	1	3	3	NUM
asir-2255	90	2	,	,	PUNCT
asir-2255	90	3	no	no	INTJ
asir-2255	90	4	.	.	NOUN
asir-2255	90	5	3	3	NUM
asir-2255	90	6	,	,	PUNCT
asir-2255	90	7	2019	2019	NUM
asir-2255	90	8	195	195	NUM
asir-2255	90	9	published	publish	VERB
asir-2255	90	10	by	by	ADP
asir-2255	90	11	scholink	scholink	PROPN
asir-2255	90	12	inc	inc	PROPN
asir-2255	90	13	.	.	PUNCT
asir-2255	91	1	it	it	PRON
asir-2255	91	2	is	be	AUX
asir-2255	91	3	important	important	ADJ
asir-2255	91	4	to	to	PART
asir-2255	91	5	note	note	VERB
asir-2255	91	6	that	that	SCONJ
asir-2255	91	7	all	all	DET
asir-2255	91	8	the	the	DET
asir-2255	91	9	state	state	NOUN
asir-2255	91	10	-	-	PUNCT
asir-2255	91	11	owned	own	VERB
asir-2255	91	12	banks	bank	NOUN
asir-2255	91	13	in	in	ADP
asir-2255	91	14	ghana	ghana	PROPN
asir-2255	91	15	underwent	undergo	VERB
asir-2255	91	16	some	some	DET
asir-2255	91	17	form	form	NOUN
asir-2255	91	18	of	of	ADP
asir-2255	91	19	restructuring	restructuring	NOUN
asir-2255	91	20	during	during	ADP
asir-2255	91	21	the	the	DET
asir-2255	91	22	reform	reform	NOUN
asir-2255	91	23	period	period	NOUN
asir-2255	91	24	,	,	PUNCT
asir-2255	91	25	and	and	CCONJ
asir-2255	91	26	this	this	PRON
asir-2255	91	27	included	include	VERB
asir-2255	91	28	recapitalisation	recapitalisation	NOUN
asir-2255	91	29	from	from	ADP
asir-2255	91	30	public	public	ADJ
asir-2255	91	31	funds	fund	NOUN
asir-2255	91	32	,	,	PUNCT
asir-2255	91	33	the	the	DET
asir-2255	91	34	removal	removal	NOUN
asir-2255	91	35	from	from	ADP
asir-2255	91	36	balance	balance	NOUN
asir-2255	91	37	sheets	sheet	NOUN
asir-2255	91	38	of	of	ADP
asir-2255	91	39	non	non	ADJ
asir-2255	91	40	-	-	ADJ
asir-2255	91	41	performing	perform	VERB
asir-2255	91	42	assets	asset	NOUN
asir-2255	91	43	,	,	PUNCT
asir-2255	91	44	and	and	CCONJ
asir-2255	91	45	the	the	DET
asir-2255	91	46	appointments	appointment	NOUN
asir-2255	91	47	of	of	ADP
asir-2255	91	48	new	new	ADJ
asir-2255	91	49	boards	board	NOUN
asir-2255	91	50	of	of	ADP
asir-2255	91	51	directors	director	NOUN
asir-2255	91	52	and	and	CCONJ
asir-2255	91	53	senior	senior	ADJ
asir-2255	91	54	executives	executive	NOUN
asir-2255	91	55	.	.	PUNCT
asir-2255	92	1	as	as	SCONJ
asir-2255	92	2	mentioned	mention	VERB
asir-2255	92	3	earlier	early	ADV
asir-2255	92	4	,	,	PUNCT
asir-2255	92	5	the	the	DET
asir-2255	92	6	limited	limited	ADJ
asir-2255	92	7	data	data	NOUN
asir-2255	92	8	sample	sample	NOUN
asir-2255	92	9	for	for	ADP
asir-2255	92	10	this	this	DET
asir-2255	92	11	study	study	NOUN
asir-2255	92	12	does	do	AUX
asir-2255	92	13	not	not	PART
asir-2255	92	14	permit	permit	VERB
asir-2255	92	15	to	to	PART
asir-2255	92	16	investigate	investigate	VERB
asir-2255	92	17	the	the	DET
asir-2255	92	18	selection	selection	NOUN
asir-2255	92	19	and	and	CCONJ
asir-2255	92	20	dynamic	dynamic	ADJ
asir-2255	92	21	effects	effect	NOUN
asir-2255	92	22	of	of	ADP
asir-2255	92	23	the	the	DET
asir-2255	92	24	state	state	NOUN
asir-2255	92	25	-	-	PUNCT
asir-2255	92	26	owned	own	VERB
asir-2255	92	27	banks	bank	NOUN
asir-2255	92	28	from	from	ADP
asir-2255	92	29	the	the	DET
asir-2255	92	30	period	period	NOUN
asir-2255	92	31	these	these	DET
asir-2255	92	32	changes	change	NOUN
asir-2255	92	33	occurred	occur	VERB
asir-2255	92	34	.	.	PUNCT
asir-2255	93	1	hence	hence	ADV
asir-2255	93	2	,	,	PUNCT
asir-2255	93	3	these	these	DET
asir-2255	93	4	changes	change	NOUN
asir-2255	93	5	are	be	AUX
asir-2255	93	6	treated	treat	VERB
asir-2255	93	7	as	as	ADP
asir-2255	93	8	long	long	ADV
asir-2255	93	9	-	-	PUNCT
asir-2255	93	10	run	run	VERB
asir-2255	93	11	static	static	ADJ
asir-2255	93	12	effects	effect	NOUN
asir-2255	93	13	,	,	PUNCT
asir-2255	93	14	because	because	SCONJ
asir-2255	93	15	the	the	DET
asir-2255	93	16	government	government	NOUN
asir-2255	93	17	remained	remain	VERB
asir-2255	93	18	the	the	DET
asir-2255	93	19	majority	majority	NOUN
asir-2255	93	20	equity	equity	NOUN
asir-2255	93	21	stake	stake	NOUN
asir-2255	93	22	holder	holder	NOUN
asir-2255	93	23	in	in	ADP
asir-2255	93	24	these	these	DET
asir-2255	93	25	banks	bank	NOUN
asir-2255	93	26	during	during	ADP
asir-2255	93	27	the	the	DET
asir-2255	93	28	study	study	NOUN
asir-2255	93	29	period	period	NOUN
asir-2255	93	30	.	.	PUNCT
asir-2255	94	1	due	due	ADP
asir-2255	94	2	to	to	ADP
asir-2255	94	3	the	the	DET
asir-2255	94	4	aforementioned	aforementioned	ADJ
asir-2255	94	5	data	data	NOUN
asir-2255	94	6	constraints	constraint	NOUN
asir-2255	94	7	,	,	PUNCT
asir-2255	94	8	i	i	PRON
asir-2255	94	9	am	be	AUX
asir-2255	94	10	unable	unable	ADJ
asir-2255	94	11	to	to	PART
asir-2255	94	12	measure	measure	VERB
asir-2255	94	13	the	the	DET
asir-2255	94	14	selection	selection	NOUN
asir-2255	94	15	and	and	CCONJ
asir-2255	94	16	dynamic	dynamic	ADJ
asir-2255	94	17	effects	effect	NOUN
asir-2255	94	18	of	of	ADP
asir-2255	94	19	foreignand	foreignand	ADJ
asir-2255	94	20	private	private	ADJ
asir-2255	94	21	domestic	domestic	ADJ
asir-2255	94	22	-	-	PUNCT
asir-2255	94	23	owned	own	VERB
asir-2255	94	24	banks	bank	NOUN
asir-2255	94	25	from	from	ADP
asir-2255	94	26	the	the	DET
asir-2255	94	27	period	period	NOUN
asir-2255	94	28	the	the	DET
asir-2255	94	29	government	government	NOUN
asir-2255	94	30	relinquished	relinquish	VERB
asir-2255	94	31	its	its	PRON
asir-2255	94	32	part	part	NOUN
asir-2255	94	33	or	or	CCONJ
asir-2255	94	34	entire	entire	ADJ
asir-2255	94	35	minority	minority	NOUN
asir-2255	94	36	shareholding	shareholding	NOUN
asir-2255	94	37	in	in	ADP
asir-2255	94	38	them	they	PRON
asir-2255	94	39	.	.	PUNCT
asir-2255	95	1	for	for	ADP
asir-2255	95	2	this	this	DET
asir-2255	95	3	reason	reason	NOUN
asir-2255	95	4	,	,	PUNCT
asir-2255	95	5	i	i	PRON
asir-2255	95	6	also	also	ADV
asir-2255	95	7	treat	treat	VERB
asir-2255	95	8	these	these	DET
asir-2255	95	9	changes	change	NOUN
asir-2255	95	10	as	as	ADP
asir-2255	95	11	long	long	ADV
asir-2255	95	12	-	-	PUNCT
asir-2255	95	13	run	run	VERB
asir-2255	95	14	static	static	ADJ
asir-2255	95	15	effects	effect	NOUN
asir-2255	95	16	in	in	ADP
asir-2255	95	17	cases	case	NOUN
asir-2255	95	18	where	where	SCONJ
asir-2255	95	19	foreign	foreign	ADJ
asir-2255	95	20	or	or	CCONJ
asir-2255	95	21	private	private	ADJ
asir-2255	95	22	domestic	domestic	ADJ
asir-2255	95	23	owners	owner	NOUN
asir-2255	95	24	retained	retain	VERB
asir-2255	95	25	majority	majority	NOUN
asir-2255	95	26	shareholdings	shareholding	NOUN
asir-2255	95	27	throughout	throughout	ADP
asir-2255	95	28	the	the	DET
asir-2255	95	29	sample	sample	NOUN
asir-2255	95	30	period	period	NOUN
asir-2255	95	31	.	.	PUNCT
asir-2255	96	1	many	many	ADJ
asir-2255	96	2	studies	study	NOUN
asir-2255	96	3	in	in	ADP
asir-2255	96	4	the	the	DET
asir-2255	96	5	academic	academic	ADJ
asir-2255	96	6	literature	literature	NOUN
asir-2255	96	7	have	have	AUX
asir-2255	96	8	applied	apply	VERB
asir-2255	96	9	these	these	DET
asir-2255	96	10	methods	method	NOUN
asir-2255	96	11	to	to	PART
asir-2255	96	12	investigate	investigate	VERB
asir-2255	96	13	the	the	DET
asir-2255	96	14	performance	performance	NOUN
asir-2255	96	15	effects	effect	NOUN
asir-2255	96	16	of	of	ADP
asir-2255	96	17	different	different	ADJ
asir-2255	96	18	types	type	NOUN
asir-2255	96	19	of	of	ADP
asir-2255	96	20	bank	bank	NOUN
asir-2255	96	21	ownership	ownership	NOUN
asir-2255	96	22	(	(	PUNCT
asir-2255	96	23	see	see	VERB
asir-2255	96	24	,	,	PUNCT
asir-2255	96	25	for	for	ADP
asir-2255	96	26	example	example	NOUN
asir-2255	96	27	,	,	PUNCT
asir-2255	96	28	fries	fry	NOUN
asir-2255	96	29	&	&	CCONJ
asir-2255	96	30	taci	taci	PROPN
asir-2255	96	31	,	,	PUNCT
asir-2255	96	32	2005	2005	NUM
asir-2255	96	33	;	;	PUNCT
asir-2255	96	34	lensink	lensink	PROPN
asir-2255	96	35	et	et	PROPN
asir-2255	96	36	al	al	PROPN
asir-2255	96	37	.	.	PROPN
asir-2255	96	38	,	,	PUNCT
asir-2255	96	39	2008	2008	NUM
asir-2255	96	40	)	)	PUNCT
asir-2255	96	41	.	.	PUNCT
asir-2255	97	1	following	follow	VERB
asir-2255	97	2	nakane	nakane	PROPN
asir-2255	97	3	and	and	CCONJ
asir-2255	97	4	weintraub	weintraub	PROPN
asir-2255	97	5	(	(	PUNCT
asir-2255	97	6	2005	2005	NUM
asir-2255	97	7	)	)	PUNCT
asir-2255	97	8	and	and	CCONJ
asir-2255	97	9	williams	williams	PROPN
asir-2255	97	10	and	and	CCONJ
asir-2255	97	11	nguyen	nguyen	PROPN
asir-2255	97	12	(	(	PUNCT
asir-2255	97	13	2005	2005	NUM
asir-2255	97	14	)	)	PUNCT
asir-2255	97	15	,	,	PUNCT
asir-2255	97	16	one	one	NUM
asir-2255	97	17	exit	exit	NOUN
asir-2255	97	18	variable	variable	NOUN
asir-2255	97	19	is	be	AUX
asir-2255	97	20	also	also	ADV
asir-2255	97	21	included	include	VERB
asir-2255	97	22	which	which	PRON
asir-2255	97	23	identifies	identify	VERB
asir-2255	97	24	two	two	NUM
asir-2255	97	25	state	state	NOUN
asir-2255	97	26	-	-	PUNCT
asir-2255	97	27	owned	own	VERB
asir-2255	97	28	banks	bank	NOUN
asir-2255	97	29	that	that	PRON
asir-2255	97	30	were	be	AUX
asir-2255	97	31	liquidated	liquidate	VERB
asir-2255	97	32	.	.	PUNCT
asir-2255	98	1	unlike	unlike	ADP
asir-2255	98	2	most	most	ADJ
asir-2255	98	3	ownership	ownership	NOUN
asir-2255	98	4	studies	study	NOUN
asir-2255	98	5	,	,	PUNCT
asir-2255	98	6	this	this	DET
asir-2255	98	7	paper	paper	NOUN
asir-2255	98	8	follows	follow	VERB
asir-2255	98	9	the	the	DET
asir-2255	98	10	approach	approach	NOUN
asir-2255	98	11	of	of	ADP
asir-2255	98	12	fries	fry	NOUN
asir-2255	98	13	and	and	CCONJ
asir-2255	98	14	taci	taci	PROPN
asir-2255	98	15	(	(	PUNCT
asir-2255	98	16	2005	2005	NUM
asir-2255	98	17	)	)	PUNCT
asir-2255	98	18	by	by	ADP
asir-2255	98	19	introducing	introduce	VERB
asir-2255	98	20	two	two	NUM
asir-2255	98	21	entry	entry	NOUN
asir-2255	98	22	variables	variable	NOUN
asir-2255	98	23	that	that	PRON
asir-2255	98	24	capture	capture	VERB
asir-2255	98	25	newly	newly	ADV
asir-2255	98	26	established	establish	VERB
asir-2255	98	27	foreign	foreign	ADJ
asir-2255	98	28	and	and	CCONJ
asir-2255	98	29	domestic	domestic	ADJ
asir-2255	98	30	banks	bank	NOUN
asir-2255	98	31	that	that	PRON
asir-2255	98	32	entered	enter	VERB
asir-2255	98	33	the	the	DET
asir-2255	98	34	market	market	NOUN
asir-2255	98	35	during	during	ADP
asir-2255	98	36	and	and	CCONJ
asir-2255	98	37	after	after	ADP
asir-2255	98	38	the	the	DET
asir-2255	98	39	reforms	reform	NOUN
asir-2255	98	40	.	.	PUNCT
asir-2255	99	1	initially	initially	ADV
asir-2255	99	2	,	,	PUNCT
asir-2255	99	3	i	i	PRON
asir-2255	99	4	focus	focus	VERB
asir-2255	99	5	on	on	ADP
asir-2255	99	6	the	the	DET
asir-2255	99	7	static	static	ADJ
asir-2255	99	8	effects	effect	NOUN
asir-2255	99	9	of	of	ADP
asir-2255	99	10	foreign	foreign	ADJ
asir-2255	99	11	-	-	PUNCT
asir-2255	99	12	ownership	ownership	NOUN
asir-2255	99	13	(	(	PUNCT
asir-2255	99	14	static_for	static_for	PROPN
asir-2255	99	15	)	)	PUNCT
asir-2255	99	16	,	,	PUNCT
asir-2255	99	17	private	private	ADJ
asir-2255	99	18	domestic	domestic	ADJ
asir-2255	99	19	-	-	PUNCT
asir-2255	99	20	ownership	ownership	NOUN
asir-2255	99	21	(	(	PUNCT
asir-2255	99	22	static_dom	static_dom	NUM
asir-2255	99	23	)	)	PUNCT
asir-2255	99	24	and	and	CCONJ
asir-2255	99	25	state	state	NOUN
asir-2255	99	26	-	-	PUNCT
asir-2255	99	27	ownership	ownership	NOUN
asir-2255	99	28	(	(	PUNCT
asir-2255	99	29	static_sta	static_sta	NOUN
asir-2255	99	30	)	)	PUNCT
asir-2255	99	31	on	on	ADP
asir-2255	99	32	the	the	DET
asir-2255	99	33	bank	bank	NOUN
asir-2255	99	34	efficiency	efficiency	NOUN
asir-2255	99	35	.	.	PUNCT
asir-2255	100	1	static	static	ADJ
asir-2255	100	2	dummy	dummy	ADJ
asir-2255	100	3	variables	variable	NOUN
asir-2255	100	4	are	be	AUX
asir-2255	100	5	created	create	VERB
asir-2255	100	6	for	for	ADP
asir-2255	100	7	these	these	DET
asir-2255	100	8	banks	bank	NOUN
asir-2255	100	9	and	and	CCONJ
asir-2255	100	10	assume	assume	VERB
asir-2255	100	11	that	that	SCONJ
asir-2255	100	12	they	they	PRON
asir-2255	100	13	have	have	AUX
asir-2255	100	14	not	not	PART
asir-2255	100	15	undergone	undergo	VERB
asir-2255	100	16	any	any	DET
asir-2255	100	17	major	major	ADJ
asir-2255	100	18	change	change	NOUN
asir-2255	100	19	in	in	ADP
asir-2255	100	20	ownership	ownership	NOUN
asir-2255	100	21	composition	composition	NOUN
asir-2255	100	22	over	over	ADP
asir-2255	100	23	the	the	DET
asir-2255	100	24	sample	sample	NOUN
asir-2255	100	25	period	period	NOUN
asir-2255	100	26	,	,	PUNCT
asir-2255	100	27	and	and	CCONJ
asir-2255	100	28	that	that	SCONJ
asir-2255	100	29	they	they	PRON
asir-2255	100	30	were	be	AUX
asir-2255	100	31	still	still	ADV
asir-2255	100	32	active	active	ADJ
asir-2255	100	33	at	at	ADP
asir-2255	100	34	the	the	DET
asir-2255	100	35	end	end	NOUN
asir-2255	100	36	of	of	ADP
asir-2255	100	37	the	the	DET
asir-2255	100	38	sample	sample	NOUN
asir-2255	100	39	period	period	NOUN
asir-2255	100	40	.	.	PUNCT
asir-2255	101	1	these	these	DET
asir-2255	101	2	dummy	dummy	ADJ
asir-2255	101	3	variables	variable	NOUN
asir-2255	101	4	take	take	VERB
asir-2255	101	5	the	the	DET
asir-2255	101	6	value	value	NOUN
asir-2255	101	7	of	of	ADP
asir-2255	101	8	one	one	NUM
asir-2255	101	9	for	for	ADP
asir-2255	101	10	the	the	DET
asir-2255	101	11	banks	bank	NOUN
asir-2255	101	12	concerned	concern	VERB
asir-2255	101	13	for	for	ADP
asir-2255	101	14	all	all	DET
asir-2255	101	15	time	time	NOUN
asir-2255	101	16	periods	period	NOUN
asir-2255	101	17	,	,	PUNCT
asir-2255	101	18	and	and	CCONJ
asir-2255	101	19	zero	zero	NUM
asir-2255	101	20	for	for	ADP
asir-2255	101	21	other	other	ADJ
asir-2255	101	22	periods	period	NOUN
asir-2255	101	23	and	and	CCONJ
asir-2255	101	24	for	for	ADP
asir-2255	101	25	all	all	DET
asir-2255	101	26	other	other	ADJ
asir-2255	101	27	banks	bank	NOUN
asir-2255	101	28	.	.	PUNCT
asir-2255	102	1	the	the	DET
asir-2255	102	2	literature	literature	NOUN
asir-2255	102	3	suggests	suggest	VERB
asir-2255	102	4	that	that	SCONJ
asir-2255	102	5	the	the	DET
asir-2255	102	6	efficiency	efficiency	NOUN
asir-2255	102	7	of	of	ADP
asir-2255	102	8	foreign	foreign	NOUN
asir-2255	102	9	-	-	PUNCT
asir-2255	102	10	owned	own	VERB
asir-2255	102	11	banks	bank	NOUN
asir-2255	102	12	in	in	ADP
asir-2255	102	13	emerging	emerge	VERB
asir-2255	102	14	economies	economy	NOUN
asir-2255	102	15	differs	differ	VERB
asir-2255	102	16	from	from	ADP
asir-2255	102	17	both	both	DET
asir-2255	102	18	private	private	ADJ
asir-2255	102	19	domestic	domestic	ADJ
asir-2255	102	20	-	-	PUNCT
asir-2255	102	21	owned	own	VERB
asir-2255	102	22	and	and	CCONJ
asir-2255	102	23	state	state	NOUN
asir-2255	102	24	-	-	PUNCT
asir-2255	102	25	owned	own	VERB
asir-2255	102	26	banks	bank	NOUN
asir-2255	102	27	.	.	PUNCT
asir-2255	103	1	foreign	foreign	ADJ
asir-2255	103	2	banks	bank	NOUN
asir-2255	103	3	are	be	AUX
asir-2255	103	4	assumed	assume	VERB
asir-2255	103	5	to	to	PART
asir-2255	103	6	possess	possess	VERB
asir-2255	103	7	superior	superior	ADJ
asir-2255	103	8	management	management	NOUN
asir-2255	103	9	practices	practice	NOUN
asir-2255	103	10	and	and	CCONJ
asir-2255	103	11	technological	technological	ADJ
asir-2255	103	12	advantage	advantage	NOUN
asir-2255	103	13	over	over	ADP
asir-2255	103	14	local	local	ADJ
asir-2255	103	15	banks	bank	NOUN
asir-2255	103	16	,	,	PUNCT
asir-2255	103	17	and	and	CCONJ
asir-2255	103	18	as	as	ADP
asir-2255	103	19	such	such	ADJ
asir-2255	103	20	,	,	PUNCT
asir-2255	103	21	are	be	AUX
asir-2255	103	22	expected	expect	VERB
asir-2255	103	23	to	to	PART
asir-2255	103	24	capitalise	capitalise	VERB
asir-2255	103	25	on	on	ADP
asir-2255	103	26	their	their	PRON
asir-2255	103	27	advantages	advantage	NOUN
asir-2255	103	28	and	and	CCONJ
asir-2255	103	29	exhibit	exhibit	VERB
asir-2255	103	30	higher	high	ADJ
asir-2255	103	31	efficiency	efficiency	NOUN
asir-2255	103	32	levels	level	NOUN
asir-2255	103	33	than	than	ADP
asir-2255	103	34	their	their	PRON
asir-2255	103	35	local	local	ADJ
asir-2255	103	36	peers	peer	NOUN
asir-2255	103	37	(	(	PUNCT
asir-2255	103	38	claessens	claessen	NOUN
asir-2255	103	39	et	et	PROPN
asir-2255	103	40	al	al	PROPN
asir-2255	103	41	.	.	PROPN
asir-2255	103	42	,	,	PUNCT
asir-2255	103	43	2001	2001	NUM
asir-2255	103	44	)	)	PUNCT
asir-2255	103	45	.	.	PUNCT
asir-2255	104	1	following	follow	VERB
asir-2255	104	2	the	the	DET
asir-2255	104	3	literature	literature	NOUN
asir-2255	104	4	on	on	ADP
asir-2255	104	5	foreign	foreign	ADJ
asir-2255	104	6	banking	banking	NOUN
asir-2255	104	7	,	,	PUNCT
asir-2255	104	8	a	a	DET
asir-2255	104	9	bank	bank	NOUN
asir-2255	104	10	is	be	AUX
asir-2255	104	11	defined	define	VERB
asir-2255	104	12	as	as	ADP
asir-2255	104	13	foreign	foreign	ADJ
asir-2255	104	14	if	if	SCONJ
asir-2255	104	15	more	more	ADJ
asir-2255	104	16	than	than	ADP
asir-2255	104	17	50	50	NUM
asir-2255	104	18	%	%	NOUN
asir-2255	104	19	of	of	ADP
asir-2255	104	20	its	its	PRON
asir-2255	104	21	shares	share	NOUN
asir-2255	104	22	are	be	AUX
asir-2255	104	23	owned	own	VERB
asir-2255	104	24	by	by	ADP
asir-2255	104	25	non	non	ADJ
asir-2255	104	26	-	-	ADJ
asir-2255	104	27	domestic	domestic	ADJ
asir-2255	104	28	residents	resident	NOUN
asir-2255	104	29	.	.	PUNCT
asir-2255	105	1	a	a	DET
asir-2255	105	2	static	static	ADJ
asir-2255	105	3	dummy	dummy	ADJ
asir-2255	105	4	variable	variable	NOUN
asir-2255	105	5	is	be	AUX
asir-2255	105	6	specified	specify	VERB
asir-2255	105	7	for	for	ADP
asir-2255	105	8	foreign	foreign	ADJ
asir-2255	105	9	ownership	ownership	NOUN
asir-2255	105	10	(	(	PUNCT
asir-2255	105	11	static_for	static_for	PROPN
asir-2255	105	12	)	)	PUNCT
asir-2255	105	13	that	that	PRON
asir-2255	105	14	takes	take	VERB
asir-2255	105	15	the	the	DET
asir-2255	105	16	value	value	NOUN
asir-2255	105	17	of	of	ADP
asir-2255	105	18	one	one	NUM
asir-2255	105	19	for	for	ADP
asir-2255	105	20	all	all	DET
asir-2255	105	21	periods	period	NOUN
asir-2255	105	22	,	,	PUNCT
asir-2255	105	23	and	and	CCONJ
asir-2255	105	24	zero	zero	NUM
asir-2255	105	25	otherwise	otherwise	ADV
asir-2255	105	26	.	.	PUNCT
asir-2255	106	1	contrary	contrary	ADJ
asir-2255	106	2	to	to	ADP
asir-2255	106	3	the	the	DET
asir-2255	106	4	above	above	ADJ
asir-2255	106	5	discussion	discussion	NOUN
asir-2255	106	6	on	on	ADP
asir-2255	106	7	foreign	foreign	ADJ
asir-2255	106	8	ownership	ownership	NOUN
asir-2255	106	9	,	,	PUNCT
asir-2255	106	10	it	it	PRON
asir-2255	106	11	has	have	AUX
asir-2255	106	12	also	also	ADV
asir-2255	106	13	been	be	AUX
asir-2255	106	14	suggested	suggest	VERB
asir-2255	106	15	that	that	SCONJ
asir-2255	106	16	the	the	DET
asir-2255	106	17	opening	opening	NOUN
asir-2255	106	18	of	of	ADP
asir-2255	106	19	financial	financial	ADJ
asir-2255	106	20	markets	market	NOUN
asir-2255	106	21	to	to	ADP
asir-2255	106	22	foreign	foreign	ADJ
asir-2255	106	23	competition	competition	NOUN
asir-2255	106	24	may	may	AUX
asir-2255	106	25	increase	increase	VERB
asir-2255	106	26	the	the	DET
asir-2255	106	27	cost	cost	NOUN
asir-2255	106	28	of	of	ADP
asir-2255	106	29	domestic	domestic	ADJ
asir-2255	106	30	banks	bank	NOUN
asir-2255	106	31	’	'	PUNCT
asir-2255	106	32	operations	operation	NOUN
asir-2255	106	33	.	.	PUNCT
asir-2255	107	1	stiglitz	stiglitz	PROPN
asir-2255	107	2	(	(	PUNCT
asir-2255	107	3	1993	1993	NUM
asir-2255	107	4	)	)	PUNCT
asir-2255	107	5	as	as	SCONJ
asir-2255	107	6	cited	cite	VERB
asir-2255	107	7	in	in	ADP
asir-2255	107	8	claessens	claessen	NOUN
asir-2255	107	9	et	et	PROPN
asir-2255	107	10	al	al	PROPN
asir-2255	107	11	.	.	PUNCT
asir-2255	107	12	(	(	PUNCT
asir-2255	107	13	2001	2001	NUM
asir-2255	107	14	)	)	PUNCT
asir-2255	107	15	discusses	discuss	VERB
asir-2255	107	16	the	the	DET
asir-2255	107	17	effects	effect	NOUN
asir-2255	107	18	of	of	ADP
asir-2255	107	19	foreign	foreign	ADJ
asir-2255	107	20	bank	bank	NOUN
asir-2255	107	21	entry	entry	NOUN
asir-2255	107	22	on	on	ADP
asir-2255	107	23	the	the	DET
asir-2255	107	24	costs	cost	NOUN
asir-2255	107	25	of	of	ADP
asir-2255	107	26	domestic	domestic	ADJ
asir-2255	107	27	banks	bank	NOUN
asir-2255	107	28	,	,	PUNCT
asir-2255	107	29	local	local	ADJ
asir-2255	107	30	entrepreneurs	entrepreneur	NOUN
asir-2255	107	31	and	and	CCONJ
asir-2255	107	32	the	the	DET
asir-2255	107	33	government	government	NOUN
asir-2255	107	34	.	.	PUNCT
asir-2255	108	1	it	it	PRON
asir-2255	108	2	is	be	AUX
asir-2255	108	3	however	however	ADV
asir-2255	108	4	possible	possible	ADJ
asir-2255	108	5	that	that	SCONJ
asir-2255	108	6	domestic	domestic	ADJ
asir-2255	108	7	banks	bank	NOUN
asir-2255	108	8	in	in	ADP
asir-2255	108	9	developing	develop	VERB
asir-2255	108	10	countries	country	NOUN
asir-2255	108	11	have	have	VERB
asir-2255	108	12	informational	informational	ADJ
asir-2255	108	13	advantages	advantage	NOUN
asir-2255	108	14	over	over	ADP
asir-2255	108	15	their	their	PRON
asir-2255	108	16	foreign	foreign	ADJ
asir-2255	108	17	peers	peer	NOUN
asir-2255	108	18	,	,	PUNCT
asir-2255	108	19	and	and	CCONJ
asir-2255	108	20	as	as	ADP
asir-2255	108	21	such	such	ADJ
asir-2255	108	22	,	,	PUNCT
asir-2255	108	23	could	could	AUX
asir-2255	108	24	operate	operate	VERB
asir-2255	108	25	at	at	ADP
asir-2255	108	26	higher	high	ADJ
asir-2255	108	27	efficiency	efficiency	NOUN
asir-2255	108	28	levels	level	NOUN
asir-2255	108	29	than	than	ADP
asir-2255	108	30	foreign	foreign	ADJ
asir-2255	108	31	-	-	PUNCT
asir-2255	108	32	owned	own	VERB
asir-2255	108	33	banks	bank	NOUN
asir-2255	108	34	.	.	PUNCT
asir-2255	109	1	moreover	moreover	ADV
asir-2255	109	2	,	,	PUNCT
asir-2255	109	3	domestic	domestic	ADJ
asir-2255	109	4	banks	bank	NOUN
asir-2255	109	5	are	be	AUX
asir-2255	109	6	expected	expect	VERB
asir-2255	109	7	to	to	PART
asir-2255	109	8	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	VERB
asir-2255	109	9	applied	apply	VERB
asir-2255	109	10	science	science	NOUN
asir-2255	109	11	and	and	CCONJ
asir-2255	109	12	innovative	innovative	ADJ
asir-2255	109	13	research	research	NOUN
asir-2255	109	14	vol	vol	NOUN
asir-2255	109	15	.	.	PUNCT
asir-2255	110	1	3	3	NUM
asir-2255	110	2	,	,	PUNCT
asir-2255	110	3	no	no	INTJ
asir-2255	110	4	.	.	NOUN
asir-2255	110	5	3	3	NUM
asir-2255	110	6	,	,	PUNCT
asir-2255	110	7	2019	2019	NUM
asir-2255	110	8	196	196	NUM
asir-2255	110	9	published	publish	VERB
asir-2255	110	10	by	by	ADP
asir-2255	110	11	scholink	scholink	PROPN
asir-2255	110	12	inc	inc	PROPN
asir-2255	110	13	.	.	PROPN
asir-2255	110	14	replicate	replicate	VERB
asir-2255	110	15	and	and	CCONJ
asir-2255	110	16	assimilate	assimilate	VERB
asir-2255	110	17	the	the	DET
asir-2255	110	18	modern	modern	ADJ
asir-2255	110	19	banking	banking	NOUN
asir-2255	110	20	technology	technology	NOUN
asir-2255	110	21	and	and	CCONJ
asir-2255	110	22	skills	skill	NOUN
asir-2255	110	23	introduced	introduce	VERB
asir-2255	110	24	by	by	ADP
asir-2255	110	25	foreign	foreign	ADJ
asir-2255	110	26	banks	bank	NOUN
asir-2255	110	27	,	,	PUNCT
asir-2255	110	28	which	which	PRON
asir-2255	110	29	as	as	ADP
asir-2255	110	30	a	a	DET
asir-2255	110	31	consequence	consequence	NOUN
asir-2255	110	32	,	,	PUNCT
asir-2255	110	33	should	should	AUX
asir-2255	110	34	improve	improve	VERB
asir-2255	110	35	their	their	PRON
asir-2255	110	36	efficiency	efficiency	NOUN
asir-2255	110	37	.	.	PUNCT
asir-2255	111	1	a	a	DET
asir-2255	111	2	bank	bank	NOUN
asir-2255	111	3	is	be	AUX
asir-2255	111	4	defined	define	VERB
asir-2255	111	5	as	as	ADP
asir-2255	111	6	private	private	ADJ
asir-2255	111	7	domestic	domestic	ADJ
asir-2255	111	8	if	if	SCONJ
asir-2255	111	9	more	more	ADJ
asir-2255	111	10	than	than	ADP
asir-2255	111	11	50	50	NUM
asir-2255	111	12	%	%	NOUN
asir-2255	111	13	of	of	ADP
asir-2255	111	14	its	its	PRON
asir-2255	111	15	shares	share	NOUN
asir-2255	111	16	are	be	AUX
asir-2255	111	17	owned	own	VERB
asir-2255	111	18	by	by	ADP
asir-2255	111	19	domestic	domestic	ADJ
asir-2255	111	20	residents	resident	NOUN
asir-2255	111	21	.	.	PUNCT
asir-2255	112	1	a	a	DET
asir-2255	112	2	static	static	ADJ
asir-2255	112	3	dummy	dummy	ADJ
asir-2255	112	4	variable	variable	NOUN
asir-2255	112	5	is	be	AUX
asir-2255	112	6	specified	specify	VERB
asir-2255	112	7	for	for	ADP
asir-2255	112	8	private	private	ADJ
asir-2255	112	9	domestic	domestic	ADJ
asir-2255	112	10	ownership	ownership	NOUN
asir-2255	112	11	(	(	PUNCT
asir-2255	112	12	static_dom	static_dom	NUM
asir-2255	112	13	)	)	PUNCT
asir-2255	112	14	that	that	PRON
asir-2255	112	15	takes	take	VERB
asir-2255	112	16	the	the	DET
asir-2255	112	17	value	value	NOUN
asir-2255	112	18	of	of	ADP
asir-2255	112	19	one	one	NUM
asir-2255	112	20	for	for	ADP
asir-2255	112	21	all	all	DET
asir-2255	112	22	periods	period	NOUN
asir-2255	112	23	,	,	PUNCT
asir-2255	112	24	and	and	CCONJ
asir-2255	112	25	zero	zero	NUM
asir-2255	112	26	otherwise	otherwise	ADV
asir-2255	112	27	.	.	PUNCT
asir-2255	113	1	state	state	NOUN
asir-2255	113	2	-	-	PUNCT
asir-2255	113	3	owned	own	VERB
asir-2255	113	4	banks	bank	NOUN
asir-2255	113	5	are	be	AUX
asir-2255	113	6	generally	generally	ADV
asir-2255	113	7	considered	consider	VERB
asir-2255	113	8	to	to	PART
asir-2255	113	9	be	be	AUX
asir-2255	113	10	less	less	ADV
asir-2255	113	11	efficient	efficient	ADJ
asir-2255	113	12	than	than	ADP
asir-2255	113	13	privately	privately	ADV
asir-2255	113	14	-	-	PUNCT
asir-2255	113	15	owned	own	VERB
asir-2255	113	16	banks	bank	NOUN
asir-2255	113	17	(	(	PUNCT
asir-2255	113	18	beck	beck	PROPN
asir-2255	113	19	et	et	PROPN
asir-2255	113	20	al	al	PROPN
asir-2255	113	21	.	.	PROPN
asir-2255	113	22	,	,	PUNCT
asir-2255	113	23	2005a	2005a	NUM
asir-2255	113	24	,	,	PUNCT
asir-2255	113	25	2005b	2005b	NUM
asir-2255	113	26	;	;	PUNCT
asir-2255	113	27	nakane	nakane	PROPN
asir-2255	113	28	&	&	CCONJ
asir-2255	113	29	weintraub	weintraub	PROPN
asir-2255	113	30	,	,	PUNCT
asir-2255	113	31	2005	2005	NUM
asir-2255	113	32	)	)	PUNCT
asir-2255	113	33	.	.	PUNCT
asir-2255	114	1	in	in	ADP
asir-2255	114	2	a	a	DET
asir-2255	114	3	case	case	NOUN
asir-2255	114	4	where	where	SCONJ
asir-2255	114	5	government	government	NOUN
asir-2255	114	6	banks	bank	NOUN
asir-2255	114	7	account	account	VERB
asir-2255	114	8	for	for	ADP
asir-2255	114	9	a	a	DET
asir-2255	114	10	substantial	substantial	ADJ
asir-2255	114	11	share	share	NOUN
asir-2255	114	12	of	of	ADP
asir-2255	114	13	an	an	DET
asir-2255	114	14	entire	entire	ADJ
asir-2255	114	15	banking	banking	NOUN
asir-2255	114	16	market	market	NOUN
asir-2255	114	17	,	,	PUNCT
asir-2255	114	18	non	non	ADJ
asir-2255	114	19	-	-	ADJ
asir-2255	114	20	commercial	commercial	ADJ
asir-2255	114	21	criteria	criterion	NOUN
asir-2255	114	22	may	may	AUX
asir-2255	114	23	frequently	frequently	ADV
asir-2255	114	24	be	be	AUX
asir-2255	114	25	used	use	VERB
asir-2255	114	26	to	to	PART
asir-2255	114	27	allocate	allocate	VERB
asir-2255	114	28	credit	credit	NOUN
asir-2255	114	29	,	,	PUNCT
asir-2255	114	30	with	with	ADP
asir-2255	114	31	resulting	result	VERB
asir-2255	114	32	upward	upward	ADJ
asir-2255	114	33	pressure	pressure	NOUN
asir-2255	114	34	on	on	ADP
asir-2255	114	35	cost	cost	NOUN
asir-2255	114	36	inefficiency	inefficiency	NOUN
asir-2255	114	37	.	.	PUNCT
asir-2255	115	1	the	the	DET
asir-2255	115	2	argument	argument	NOUN
asir-2255	115	3	behind	behind	ADP
asir-2255	115	4	the	the	DET
asir-2255	115	5	inefficiency	inefficiency	NOUN
asir-2255	115	6	of	of	ADP
asir-2255	115	7	government	government	NOUN
asir-2255	115	8	banks	bank	NOUN
asir-2255	115	9	is	be	AUX
asir-2255	115	10	framed	frame	VERB
asir-2255	115	11	along	along	ADP
asir-2255	115	12	the	the	DET
asir-2255	115	13	three	three	NUM
asir-2255	115	14	alternative	alternative	ADJ
asir-2255	115	15	theories	theory	NOUN
asir-2255	115	16	of	of	ADP
asir-2255	115	17	state	state	NOUN
asir-2255	115	18	ownership	ownership	NOUN
asir-2255	115	19	:	:	PUNCT
asir-2255	115	20	social	social	ADJ
asir-2255	115	21	,	,	PUNCT
asir-2255	115	22	political	political	ADJ
asir-2255	115	23	,	,	PUNCT
asir-2255	115	24	and	and	CCONJ
asir-2255	115	25	agency	agency	NOUN
asir-2255	115	26	(	(	PUNCT
asir-2255	115	27	sapienza	sapienza	PROPN
asir-2255	115	28	,	,	PUNCT
asir-2255	115	29	2004	2004	NUM
asir-2255	115	30	)	)	PUNCT
asir-2255	115	31	.	.	PUNCT
asir-2255	116	1	while	while	SCONJ
asir-2255	116	2	the	the	DET
asir-2255	116	3	social	social	ADJ
asir-2255	116	4	view	view	NOUN
asir-2255	116	5	of	of	ADP
asir-2255	116	6	state	state	NOUN
asir-2255	116	7	ownership	ownership	NOUN
asir-2255	116	8	assumes	assume	VERB
asir-2255	116	9	that	that	SCONJ
asir-2255	116	10	state	state	NOUN
asir-2255	116	11	-	-	PUNCT
asir-2255	116	12	owned	own	VERB
asir-2255	116	13	enterprises	enterprise	NOUN
asir-2255	116	14	(	(	PUNCT
asir-2255	116	15	soes	soe	NOUN
asir-2255	116	16	)	)	PUNCT
asir-2255	116	17	are	be	AUX
asir-2255	116	18	created	create	VERB
asir-2255	116	19	to	to	PART
asir-2255	116	20	address	address	VERB
asir-2255	116	21	market	market	NOUN
asir-2255	116	22	failure	failure	NOUN
asir-2255	116	23	in	in	ADP
asir-2255	116	24	financial	financial	ADJ
asir-2255	116	25	and	and	CCONJ
asir-2255	116	26	credit	credit	NOUN
asir-2255	116	27	markets	market	NOUN
asir-2255	116	28	(	(	PUNCT
asir-2255	116	29	megginson	megginson	NOUN
asir-2255	116	30	,	,	PUNCT
asir-2255	116	31	2005	2005	NUM
asir-2255	116	32	)	)	PUNCT
asir-2255	116	33	,	,	PUNCT
asir-2255	116	34	the	the	DET
asir-2255	116	35	political	political	ADJ
asir-2255	116	36	view	view	NOUN
asir-2255	116	37	assumes	assume	VERB
asir-2255	116	38	state	state	NOUN
asir-2255	116	39	-	-	PUNCT
asir-2255	116	40	owned	own	VERB
asir-2255	116	41	enterprises	enterprise	NOUN
asir-2255	116	42	(	(	PUNCT
asir-2255	116	43	soes	soe	NOUN
asir-2255	116	44	)	)	PUNCT
asir-2255	116	45	to	to	PART
asir-2255	116	46	be	be	AUX
asir-2255	116	47	inefficient	inefficient	ADJ
asir-2255	116	48	due	due	ADJ
asir-2255	116	49	to	to	PART
asir-2255	116	50	deliberate	deliberate	VERB
asir-2255	116	51	policies	policy	NOUN
asir-2255	116	52	of	of	ADP
asir-2255	116	53	politicians	politician	NOUN
asir-2255	116	54	of	of	ADP
asir-2255	116	55	diverting	divert	VERB
asir-2255	116	56	resources	resource	NOUN
asir-2255	116	57	to	to	ADP
asir-2255	116	58	their	their	PRON
asir-2255	116	59	supporters	supporter	NOUN
asir-2255	116	60	(	(	PUNCT
asir-2255	116	61	la	la	X
asir-2255	116	62	porta	porta	X
asir-2255	116	63	et	et	PROPN
asir-2255	116	64	al	al	PROPN
asir-2255	116	65	.	.	PROPN
asir-2255	116	66	,	,	PUNCT
asir-2255	116	67	2002	2002	NUM
asir-2255	116	68	)	)	PUNCT
asir-2255	116	69	.	.	PUNCT
asir-2255	117	1	the	the	DET
asir-2255	117	2	agency	agency	NOUN
asir-2255	117	3	view	view	NOUN
asir-2255	117	4	on	on	ADP
asir-2255	117	5	the	the	DET
asir-2255	117	6	other	other	ADJ
asir-2255	117	7	hand	hand	NOUN
asir-2255	117	8	supports	support	VERB
asir-2255	117	9	the	the	DET
asir-2255	117	10	idea	idea	NOUN
asir-2255	117	11	of	of	ADP
asir-2255	117	12	the	the	DET
asir-2255	117	13	social	social	ADJ
asir-2255	117	14	view	view	NOUN
asir-2255	117	15	that	that	SCONJ
asir-2255	117	16	state	state	NOUN
asir-2255	117	17	-	-	PUNCT
asir-2255	117	18	owned	own	VERB
asir-2255	117	19	enterprises	enterprise	NOUN
asir-2255	117	20	(	(	PUNCT
asir-2255	117	21	soes	soe	NOUN
asir-2255	117	22	)	)	PUNCT
asir-2255	117	23	are	be	AUX
asir-2255	117	24	created	create	VERB
asir-2255	117	25	to	to	PART
asir-2255	117	26	maximise	maximise	VERB
asir-2255	117	27	social	social	ADJ
asir-2255	117	28	welfare	welfare	NOUN
asir-2255	117	29	,	,	PUNCT
asir-2255	117	30	but	but	CCONJ
asir-2255	117	31	are	be	AUX
asir-2255	117	32	subject	subject	ADJ
asir-2255	117	33	to	to	ADP
asir-2255	117	34	an	an	DET
asir-2255	117	35	inherent	inherent	ADJ
asir-2255	117	36	tendency	tendency	NOUN
asir-2255	117	37	to	to	PART
asir-2255	117	38	generate	generate	VERB
asir-2255	117	39	corruption	corruption	NOUN
asir-2255	117	40	and	and	CCONJ
asir-2255	117	41	misallocation	misallocation	NOUN
asir-2255	117	42	(	(	PUNCT
asir-2255	117	43	banerjee	banerjee	PROPN
asir-2255	117	44	,	,	PUNCT
asir-2255	117	45	1997	1997	NUM
asir-2255	117	46	;	;	PUNCT
asir-2255	117	47	hart	hart	PROPN
asir-2255	117	48	et	et	PROPN
asir-2255	117	49	al	al	PROPN
asir-2255	117	50	.	.	PROPN
asir-2255	117	51	,	,	PUNCT
asir-2255	117	52	1997	1997	NUM
asir-2255	117	53	)	)	PUNCT
asir-2255	117	54	.	.	PUNCT
asir-2255	118	1	after	after	ADP
asir-2255	118	2	major	major	ADJ
asir-2255	118	3	financial	financial	ADJ
asir-2255	118	4	sector	sector	NOUN
asir-2255	118	5	reforms	reform	NOUN
asir-2255	118	6	,	,	PUNCT
asir-2255	118	7	one	one	PRON
asir-2255	118	8	would	would	AUX
asir-2255	118	9	expect	expect	VERB
asir-2255	118	10	the	the	DET
asir-2255	118	11	inefficiencies	inefficiency	NOUN
asir-2255	118	12	in	in	ADP
asir-2255	118	13	state	state	NOUN
asir-2255	118	14	-	-	PUNCT
asir-2255	118	15	owned	own	VERB
asir-2255	118	16	banks	bank	NOUN
asir-2255	118	17	to	to	PART
asir-2255	118	18	decline	decline	VERB
asir-2255	118	19	through	through	ADP
asir-2255	118	20	the	the	DET
asir-2255	118	21	strengthening	strengthening	NOUN
asir-2255	118	22	of	of	ADP
asir-2255	118	23	operational	operational	ADJ
asir-2255	118	24	procedures	procedure	NOUN
asir-2255	118	25	and	and	CCONJ
asir-2255	118	26	the	the	DET
asir-2255	118	27	existence	existence	NOUN
asir-2255	118	28	of	of	ADP
asir-2255	118	29	improved	improved	ADJ
asir-2255	118	30	supervisory	supervisory	ADJ
asir-2255	118	31	and	and	CCONJ
asir-2255	118	32	regulatory	regulatory	ADJ
asir-2255	118	33	systems	system	NOUN
asir-2255	118	34	.	.	PUNCT
asir-2255	119	1	a	a	DET
asir-2255	119	2	bank	bank	NOUN
asir-2255	119	3	is	be	AUX
asir-2255	119	4	defined	define	VERB
asir-2255	119	5	as	as	ADP
asir-2255	119	6	state	state	NOUN
asir-2255	119	7	-	-	PUNCT
asir-2255	119	8	owned	own	VERB
asir-2255	119	9	if	if	SCONJ
asir-2255	119	10	more	more	ADJ
asir-2255	119	11	than	than	ADP
asir-2255	119	12	50	50	NUM
asir-2255	119	13	%	%	NOUN
asir-2255	119	14	of	of	ADP
asir-2255	119	15	its	its	PRON
asir-2255	119	16	shares	share	NOUN
asir-2255	119	17	are	be	AUX
asir-2255	119	18	held	hold	VERB
asir-2255	119	19	by	by	ADP
asir-2255	119	20	the	the	DET
asir-2255	119	21	government	government	NOUN
asir-2255	119	22	.	.	PUNCT
asir-2255	120	1	a	a	DET
asir-2255	120	2	static	static	ADJ
asir-2255	120	3	dummy	dummy	ADJ
asir-2255	120	4	variable	variable	NOUN
asir-2255	120	5	is	be	AUX
asir-2255	120	6	specified	specify	VERB
asir-2255	120	7	for	for	ADP
asir-2255	120	8	state	state	NOUN
asir-2255	120	9	ownership	ownership	NOUN
asir-2255	120	10	(	(	PUNCT
asir-2255	120	11	state_sta	state_sta	NOUN
asir-2255	120	12	)	)	PUNCT
asir-2255	120	13	that	that	PRON
asir-2255	120	14	takes	take	VERB
asir-2255	120	15	the	the	DET
asir-2255	120	16	value	value	NOUN
asir-2255	120	17	of	of	ADP
asir-2255	120	18	one	one	NUM
asir-2255	120	19	for	for	ADP
asir-2255	120	20	all	all	DET
asir-2255	120	21	periods	period	NOUN
asir-2255	120	22	,	,	PUNCT
asir-2255	120	23	and	and	CCONJ
asir-2255	120	24	zero	zero	NUM
asir-2255	120	25	otherwise	otherwise	ADV
asir-2255	120	26	.	.	PUNCT
asir-2255	121	1	during	during	ADP
asir-2255	121	2	a	a	DET
asir-2255	121	3	period	period	NOUN
asir-2255	121	4	of	of	ADP
asir-2255	121	5	liberalisation	liberalisation	NOUN
asir-2255	121	6	,	,	PUNCT
asir-2255	121	7	it	it	PRON
asir-2255	121	8	is	be	AUX
asir-2255	121	9	common	common	ADJ
asir-2255	121	10	to	to	PART
asir-2255	121	11	observe	observe	VERB
asir-2255	121	12	banks	bank	NOUN
asir-2255	121	13	withdrawing	withdraw	VERB
asir-2255	121	14	from	from	ADP
asir-2255	121	15	the	the	DET
asir-2255	121	16	market	market	NOUN
asir-2255	121	17	by	by	ADP
asir-2255	121	18	means	mean	NOUN
asir-2255	121	19	of	of	ADP
asir-2255	121	20	liquidation	liquidation	NOUN
asir-2255	121	21	or	or	CCONJ
asir-2255	121	22	through	through	ADP
asir-2255	121	23	the	the	DET
asir-2255	121	24	change	change	NOUN
asir-2255	121	25	of	of	ADP
asir-2255	121	26	activities	activity	NOUN
asir-2255	121	27	from	from	ADP
asir-2255	121	28	either	either	CCONJ
asir-2255	121	29	a	a	DET
asir-2255	121	30	specialised	specialised	ADJ
asir-2255	121	31	operation	operation	NOUN
asir-2255	121	32	into	into	ADP
asir-2255	121	33	something	something	PRON
asir-2255	121	34	else	else	ADV
asir-2255	121	35	,	,	PUNCT
asir-2255	121	36	or	or	CCONJ
asir-2255	121	37	transfer	transfer	NOUN
asir-2255	121	38	of	of	ADP
asir-2255	121	39	their	their	PRON
asir-2255	121	40	assets	asset	NOUN
asir-2255	121	41	and	and	CCONJ
asir-2255	121	42	liabilities	liability	NOUN
asir-2255	121	43	to	to	ADP
asir-2255	121	44	other	other	ADJ
asir-2255	121	45	banks	bank	NOUN
asir-2255	121	46	through	through	ADP
asir-2255	121	47	merger	merger	NOUN
asir-2255	121	48	and	and	CCONJ
asir-2255	121	49	acquisition	acquisition	NOUN
asir-2255	121	50	.	.	PUNCT
asir-2255	122	1	in	in	ADP
asir-2255	122	2	ghana	ghana	PROPN
asir-2255	122	3	,	,	PUNCT
asir-2255	122	4	due	due	ADP
asir-2255	122	5	to	to	ADP
asir-2255	122	6	insolvency	insolvency	NOUN
asir-2255	122	7	,	,	PUNCT
asir-2255	122	8	a	a	DET
asir-2255	122	9	small	small	ADJ
asir-2255	122	10	number	number	NOUN
asir-2255	122	11	of	of	ADP
asir-2255	122	12	state	state	NOUN
asir-2255	122	13	-	-	PUNCT
asir-2255	122	14	owned	own	VERB
asir-2255	122	15	banks	bank	NOUN
asir-2255	122	16	were	be	AUX
asir-2255	122	17	liquidated	liquidate	VERB
asir-2255	122	18	during	during	ADP
asir-2255	122	19	the	the	DET
asir-2255	122	20	reform	reform	NOUN
asir-2255	122	21	period	period	NOUN
asir-2255	122	22	.	.	PUNCT
asir-2255	123	1	for	for	ADP
asir-2255	123	2	this	this	DET
asir-2255	123	3	reason	reason	NOUN
asir-2255	123	4	,	,	PUNCT
asir-2255	123	5	exit	exit	NOUN
asir-2255	123	6	dummy	dummy	NOUN
asir-2255	123	7	variables	variable	NOUN
asir-2255	123	8	are	be	AUX
asir-2255	123	9	defined	define	VERB
asir-2255	123	10	for	for	ADP
asir-2255	123	11	liquidated	liquidate	VERB
asir-2255	123	12	state	state	NOUN
asir-2255	123	13	-	-	PUNCT
asir-2255	123	14	owned	own	VERB
asir-2255	123	15	banks	bank	NOUN
asir-2255	123	16	(	(	PUNCT
asir-2255	123	17	exit	exit	NOUN
asir-2255	123	18	)	)	PUNCT
asir-2255	123	19	,	,	PUNCT
asir-2255	123	20	and	and	CCONJ
asir-2255	123	21	specify	specify	VERB
asir-2255	123	22	these	these	DET
asir-2255	123	23	dummies	dummy	NOUN
asir-2255	123	24	to	to	PART
asir-2255	123	25	take	take	VERB
asir-2255	123	26	the	the	DET
asir-2255	123	27	value	value	NOUN
asir-2255	123	28	of	of	ADP
asir-2255	123	29	one	one	NUM
asir-2255	123	30	for	for	ADP
asir-2255	123	31	the	the	DET
asir-2255	123	32	closed	close	VERB
asir-2255	123	33	banks	bank	NOUN
asir-2255	123	34	during	during	ADP
asir-2255	123	35	all	all	DET
asir-2255	123	36	the	the	DET
asir-2255	123	37	periods	period	NOUN
asir-2255	123	38	for	for	ADP
asir-2255	123	39	which	which	PRON
asir-2255	123	40	they	they	PRON
asir-2255	123	41	are	be	AUX
asir-2255	123	42	present	present	ADJ
asir-2255	123	43	in	in	ADP
asir-2255	123	44	the	the	DET
asir-2255	123	45	sample	sample	NOUN
asir-2255	123	46	,	,	PUNCT
asir-2255	123	47	and	and	CCONJ
asir-2255	123	48	zero	zero	NUM
asir-2255	123	49	otherwise	otherwise	ADV
asir-2255	123	50	.	.	PUNCT
asir-2255	124	1	as	as	SCONJ
asir-2255	124	2	governments	government	NOUN
asir-2255	124	3	remove	remove	VERB
asir-2255	124	4	controls	control	NOUN
asir-2255	124	5	on	on	ADP
asir-2255	124	6	entry	entry	NOUN
asir-2255	124	7	,	,	PUNCT
asir-2255	124	8	it	it	PRON
asir-2255	124	9	is	be	AUX
asir-2255	124	10	common	common	ADJ
asir-2255	124	11	for	for	SCONJ
asir-2255	124	12	new	new	ADJ
asir-2255	124	13	foreign	foreign	ADJ
asir-2255	124	14	and	and	CCONJ
asir-2255	124	15	private	private	ADJ
asir-2255	124	16	domestic	domestic	ADJ
asir-2255	124	17	banks	bank	NOUN
asir-2255	124	18	to	to	PART
asir-2255	124	19	enter	enter	VERB
asir-2255	124	20	the	the	DET
asir-2255	124	21	industry	industry	NOUN
asir-2255	124	22	.	.	PUNCT
asir-2255	125	1	the	the	DET
asir-2255	125	2	ghanaian	ghanaian	ADJ
asir-2255	125	3	banking	banking	NOUN
asir-2255	125	4	system	system	NOUN
asir-2255	125	5	is	be	AUX
asir-2255	125	6	seen	see	VERB
asir-2255	125	7	to	to	PART
asir-2255	125	8	be	be	AUX
asir-2255	125	9	expanding	expand	VERB
asir-2255	125	10	in	in	ADP
asir-2255	125	11	numbers	number	NOUN
asir-2255	125	12	as	as	SCONJ
asir-2255	125	13	new	new	ADJ
asir-2255	125	14	banks	bank	NOUN
asir-2255	125	15	find	find	VERB
asir-2255	125	16	their	their	PRON
asir-2255	125	17	way	way	NOUN
asir-2255	125	18	into	into	ADP
asir-2255	125	19	the	the	DET
asir-2255	125	20	reforming	reform	VERB
asir-2255	125	21	economy	economy	NOUN
asir-2255	125	22	.	.	PUNCT
asir-2255	126	1	entry	entry	NOUN
asir-2255	126	2	dummy	dummy	ADJ
asir-2255	126	3	variables	variable	NOUN
asir-2255	126	4	are	be	AUX
asir-2255	126	5	measured	measure	VERB
asir-2255	126	6	for	for	ADP
asir-2255	126	7	both	both	DET
asir-2255	126	8	newly	newly	ADV
asir-2255	126	9	established	establish	VERB
asir-2255	126	10	foreign	foreign	ADJ
asir-2255	126	11	(	(	PUNCT
asir-2255	126	12	entry_for	entry_for	ADP
asir-2255	126	13	)	)	PUNCT
asir-2255	126	14	and	and	CCONJ
asir-2255	126	15	private	private	ADJ
asir-2255	126	16	domestic	domestic	ADJ
asir-2255	126	17	(	(	PUNCT
asir-2255	126	18	entry_dom	entry_dom	NOUN
asir-2255	126	19	)	)	PUNCT
asir-2255	126	20	banks	bank	NOUN
asir-2255	126	21	,	,	PUNCT
asir-2255	126	22	and	and	CCONJ
asir-2255	126	23	specify	specify	VERB
asir-2255	126	24	separately	separately	ADV
asir-2255	126	25	these	these	DET
asir-2255	126	26	dummies	dummy	NOUN
asir-2255	126	27	to	to	PART
asir-2255	126	28	take	take	VERB
asir-2255	126	29	the	the	DET
asir-2255	126	30	value	value	NOUN
asir-2255	126	31	of	of	ADP
asir-2255	126	32	one	one	NUM
asir-2255	126	33	for	for	ADP
asir-2255	126	34	all	all	DET
asir-2255	126	35	the	the	DET
asir-2255	126	36	periods	period	NOUN
asir-2255	126	37	in	in	ADP
asir-2255	126	38	which	which	PRON
asir-2255	126	39	they	they	PRON
asir-2255	126	40	are	be	AUX
asir-2255	126	41	present	present	ADJ
asir-2255	126	42	in	in	ADP
asir-2255	126	43	the	the	DET
asir-2255	126	44	sample	sample	NOUN
asir-2255	126	45	,	,	PUNCT
asir-2255	126	46	and	and	CCONJ
asir-2255	126	47	zero	zero	NUM
asir-2255	126	48	otherwise	otherwise	ADV
asir-2255	126	49	.	.	PUNCT
asir-2255	127	1	furthermore	furthermore	ADV
asir-2255	127	2	,	,	PUNCT
asir-2255	127	3	mergers	merger	NOUN
asir-2255	127	4	and	and	CCONJ
asir-2255	127	5	acquisitions	acquisition	NOUN
asir-2255	127	6	involving	involve	VERB
asir-2255	127	7	banks	bank	NOUN
asir-2255	127	8	have	have	AUX
asir-2255	127	9	been	be	AUX
asir-2255	127	10	common	common	ADJ
asir-2255	127	11	in	in	ADP
asir-2255	127	12	developing	develop	VERB
asir-2255	127	13	countries	country	NOUN
asir-2255	127	14	during	during	ADP
asir-2255	127	15	and	and	CCONJ
asir-2255	127	16	after	after	ADP
asir-2255	127	17	periods	period	NOUN
asir-2255	127	18	of	of	ADP
asir-2255	127	19	financial	financial	ADJ
asir-2255	127	20	reform	reform	NOUN
asir-2255	127	21	.	.	PUNCT
asir-2255	128	1	due	due	ADP
asir-2255	128	2	to	to	ADP
asir-2255	128	3	data	datum	NOUN
asir-2255	128	4	constraints	constraint	NOUN
asir-2255	128	5	,	,	PUNCT
asir-2255	128	6	i	i	PRON
asir-2255	128	7	am	be	AUX
asir-2255	128	8	unable	unable	ADJ
asir-2255	128	9	to	to	PART
asir-2255	128	10	investigate	investigate	VERB
asir-2255	128	11	the	the	DET
asir-2255	128	12	only	only	ADJ
asir-2255	128	13	domestic	domestic	ADJ
asir-2255	128	14	merger	merger	NOUN
asir-2255	128	15	and	and	CCONJ
asir-2255	128	16	acquisition	acquisition	NOUN
asir-2255	128	17	deal	deal	NOUN
asir-2255	128	18	that	that	PRON
asir-2255	128	19	took	take	VERB
asir-2255	128	20	place	place	NOUN
asir-2255	128	21	during	during	ADP
asir-2255	128	22	the	the	DET
asir-2255	128	23	reform	reform	NOUN
asir-2255	128	24	period	period	NOUN
asir-2255	128	25	.	.	PUNCT
asir-2255	129	1	however	however	ADV
asir-2255	129	2	,	,	PUNCT
asir-2255	129	3	the	the	DET
asir-2255	129	4	same	same	ADJ
asir-2255	129	5	bank	bank	NOUN
asir-2255	129	6	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	129	7	applied	apply	VERB
asir-2255	129	8	science	science	NOUN
asir-2255	129	9	and	and	CCONJ
asir-2255	129	10	innovative	innovative	ADJ
asir-2255	129	11	research	research	NOUN
asir-2255	129	12	vol	vol	NOUN
asir-2255	129	13	.	.	PUNCT
asir-2255	130	1	3	3	NUM
asir-2255	130	2	,	,	PUNCT
asir-2255	130	3	no	no	INTJ
asir-2255	130	4	.	.	NOUN
asir-2255	130	5	3	3	NUM
asir-2255	130	6	,	,	PUNCT
asir-2255	130	7	2019	2019	NUM
asir-2255	130	8	197	197	NUM
asir-2255	130	9	published	publish	VERB
asir-2255	130	10	by	by	ADP
asir-2255	130	11	scholink	scholink	PROPN
asir-2255	130	12	inc	inc	PROPN
asir-2255	130	13	.	.	PROPN
asir-2255	131	1	(	(	PUNCT
asir-2255	131	2	social	social	ADJ
asir-2255	131	3	security	security	NOUN
asir-2255	131	4	bank	bank	PROPN
asir-2255	131	5	of	of	ADP
asir-2255	131	6	ghana	ghana	PROPN
asir-2255	131	7	)	)	PUNCT
asir-2255	131	8	that	that	PRON
asir-2255	131	9	underwent	undergo	VERB
asir-2255	131	10	domestic	domestic	ADJ
asir-2255	131	11	merger	merger	NOUN
asir-2255	131	12	and	and	CCONJ
asir-2255	131	13	acquisition	acquisition	NOUN
asir-2255	131	14	was	be	AUX
asir-2255	131	15	,	,	PUNCT
asir-2255	131	16	in	in	ADP
asir-2255	131	17	2004	2004	NUM
asir-2255	131	18	,	,	PUNCT
asir-2255	131	19	merged	merge	VERB
asir-2255	131	20	with	with	ADP
asir-2255	131	21	and	and	CCONJ
asir-2255	131	22	acquired	acquire	VERB
asir-2255	131	23	by	by	ADP
asir-2255	131	24	societele	societele	PROPN
asir-2255	131	25	generale	generale	PROPN
asir-2255	131	26	of	of	ADP
asir-2255	131	27	france	france	PROPN
asir-2255	131	28	under	under	ADP
asir-2255	131	29	a	a	DET
asir-2255	131	30	new	new	ADJ
asir-2255	131	31	name	name	NOUN
asir-2255	131	32	,	,	PUNCT
asir-2255	131	33	sg	sg	PROPN
asir-2255	131	34	-	-	PUNCT
asir-2255	131	35	ssb	ssb	PROPN
asir-2255	131	36	ltd	ltd	PROPN
asir-2255	131	37	,	,	PUNCT
asir-2255	131	38	with	with	ADP
asir-2255	131	39	51	51	NUM
asir-2255	131	40	%	%	NOUN
asir-2255	131	41	share	share	NOUN
asir-2255	131	42	ownership	ownership	NOUN
asir-2255	131	43	.	.	PUNCT
asir-2255	132	1	this	this	PRON
asir-2255	132	2	is	be	AUX
asir-2255	132	3	the	the	DET
asir-2255	132	4	only	only	ADJ
asir-2255	132	5	cross	cross	ADJ
asir-2255	132	6	-	-	ADJ
asir-2255	132	7	border	border	ADJ
asir-2255	132	8	merger	merger	NOUN
asir-2255	132	9	and	and	CCONJ
asir-2255	132	10	acquisition	acquisition	NOUN
asir-2255	132	11	recorded	record	VERB
asir-2255	132	12	in	in	ADP
asir-2255	132	13	the	the	DET
asir-2255	132	14	ghanaian	ghanaian	ADJ
asir-2255	132	15	banking	banking	NOUN
asir-2255	132	16	industry	industry	NOUN
asir-2255	132	17	since	since	SCONJ
asir-2255	132	18	the	the	DET
asir-2255	132	19	reforms	reform	NOUN
asir-2255	132	20	took	take	VERB
asir-2255	132	21	place	place	NOUN
asir-2255	132	22	,	,	PUNCT
asir-2255	132	23	and	and	CCONJ
asir-2255	132	24	the	the	DET
asir-2255	132	25	data	data	NOUN
asir-2255	132	26	sample	sample	NOUN
asir-2255	132	27	permits	permit	VERB
asir-2255	132	28	investigation	investigation	NOUN
asir-2255	132	29	of	of	ADP
asir-2255	132	30	its	its	PRON
asir-2255	132	31	inefficiency	inefficiency	NOUN
asir-2255	132	32	effects	effect	NOUN
asir-2255	132	33	.	.	PUNCT
asir-2255	133	1	selection	selection	NOUN
asir-2255	133	2	and	and	CCONJ
asir-2255	133	3	dynamic	dynamic	ADJ
asir-2255	133	4	dummy	dummy	ADJ
asir-2255	133	5	variables	variable	NOUN
asir-2255	133	6	are	be	AUX
asir-2255	133	7	created	create	VERB
asir-2255	133	8	for	for	ADP
asir-2255	133	9	the	the	DET
asir-2255	133	10	merged	merge	VERB
asir-2255	133	11	and	and	CCONJ
asir-2255	133	12	acquired	acquire	VERB
asir-2255	133	13	bank	bank	NOUN
asir-2255	133	14	.	.	PUNCT
asir-2255	134	1	the	the	DET
asir-2255	134	2	selection	selection	NOUN
asir-2255	134	3	dummy	dummy	NOUN
asir-2255	134	4	variables	variable	NOUN
asir-2255	134	5	are	be	AUX
asir-2255	134	6	created	create	VERB
asir-2255	134	7	for	for	ADP
asir-2255	134	8	banks	bank	NOUN
asir-2255	134	9	that	that	PRON
asir-2255	134	10	have	have	AUX
asir-2255	134	11	been	be	AUX
asir-2255	134	12	involved	involve	VERB
asir-2255	134	13	in	in	ADP
asir-2255	134	14	some	some	DET
asir-2255	134	15	form	form	NOUN
asir-2255	134	16	of	of	ADP
asir-2255	134	17	ownership	ownership	NOUN
asir-2255	134	18	change	change	NOUN
asir-2255	134	19	over	over	ADP
asir-2255	134	20	the	the	DET
asir-2255	134	21	sample	sample	NOUN
asir-2255	134	22	period	period	NOUN
asir-2255	134	23	.	.	PUNCT
asir-2255	135	1	for	for	ADP
asir-2255	135	2	this	this	DET
asir-2255	135	3	reason	reason	NOUN
asir-2255	135	4	,	,	PUNCT
asir-2255	135	5	a	a	DET
asir-2255	135	6	dummy	dummy	ADJ
asir-2255	135	7	variable	variable	NOUN
asir-2255	135	8	(	(	PUNCT
asir-2255	135	9	select_for	select_for	ADP
asir-2255	135	10	)	)	PUNCT
asir-2255	135	11	is	be	AUX
asir-2255	135	12	specified	specify	VERB
asir-2255	135	13	to	to	PART
asir-2255	135	14	take	take	VERB
asir-2255	135	15	the	the	DET
asir-2255	135	16	value	value	NOUN
asir-2255	135	17	of	of	ADP
asir-2255	135	18	one	one	NUM
asir-2255	135	19	for	for	ADP
asir-2255	135	20	all	all	DET
asir-2255	135	21	periods	period	NOUN
asir-2255	135	22	of	of	ADP
asir-2255	135	23	a	a	DET
asir-2255	135	24	bank	bank	NOUN
asir-2255	135	25	that	that	PRON
asir-2255	135	26	underwent	undergo	VERB
asir-2255	135	27	cross	cross	ADJ
asir-2255	135	28	-	-	ADJ
asir-2255	135	29	border	border	ADJ
asir-2255	135	30	merger	merger	NOUN
asir-2255	135	31	and	and	CCONJ
asir-2255	135	32	acquisition	acquisition	NOUN
asir-2255	135	33	,	,	PUNCT
asir-2255	135	34	and	and	CCONJ
asir-2255	135	35	zero	zero	NUM
asir-2255	135	36	otherwise	otherwise	ADV
asir-2255	135	37	.	.	PUNCT
asir-2255	136	1	the	the	DET
asir-2255	136	2	dynamic	dynamic	ADJ
asir-2255	136	3	dummy	dummy	ADJ
asir-2255	136	4	variables	variable	NOUN
asir-2255	136	5	on	on	ADP
asir-2255	136	6	the	the	DET
asir-2255	136	7	other	other	ADJ
asir-2255	136	8	hand	hand	NOUN
asir-2255	136	9	are	be	AUX
asir-2255	136	10	created	create	VERB
asir-2255	136	11	for	for	ADP
asir-2255	136	12	those	those	DET
asir-2255	136	13	banks	bank	NOUN
asir-2255	136	14	for	for	ADP
asir-2255	136	15	which	which	PRON
asir-2255	136	16	the	the	DET
asir-2255	136	17	selection	selection	NOUN
asir-2255	136	18	dummies	dummy	NOUN
asir-2255	136	19	take	take	VERB
asir-2255	136	20	the	the	DET
asir-2255	136	21	value	value	NOUN
asir-2255	136	22	of	of	ADP
asir-2255	136	23	one	one	NUM
asir-2255	136	24	to	to	ADP
asir-2255	136	25	date	date	NOUN
asir-2255	136	26	the	the	DET
asir-2255	136	27	exact	exact	ADJ
asir-2255	136	28	moment	moment	NOUN
asir-2255	136	29	when	when	SCONJ
asir-2255	136	30	the	the	DET
asir-2255	136	31	ownership	ownership	NOUN
asir-2255	136	32	change	change	NOUN
asir-2255	136	33	took	take	VERB
asir-2255	136	34	place	place	NOUN
asir-2255	136	35	,	,	PUNCT
asir-2255	136	36	and	and	CCONJ
asir-2255	136	37	zero	zero	NUM
asir-2255	136	38	otherwise	otherwise	ADV
asir-2255	136	39	.	.	PUNCT
asir-2255	137	1	in	in	ADP
asir-2255	137	2	other	other	ADJ
asir-2255	137	3	words	word	NOUN
asir-2255	137	4	,	,	PUNCT
asir-2255	137	5	the	the	DET
asir-2255	137	6	dynamic	dynamic	ADJ
asir-2255	137	7	dummy	dummy	ADJ
asir-2255	137	8	variables	variable	NOUN
asir-2255	137	9	(	(	PUNCT
asir-2255	137	10	dynam)_st	dynam)_st	NOUN
asir-2255	137	11	)	)	PUNCT
asir-2255	137	12	take	take	VERB
asir-2255	137	13	the	the	DET
asir-2255	137	14	value	value	NOUN
asir-2255	137	15	of	of	ADP
asir-2255	137	16	one	one	NUM
asir-2255	137	17	for	for	ADP
asir-2255	137	18	the	the	DET
asir-2255	137	19	bank	bank	NOUN
asir-2255	137	20	concerned	concerned	ADJ
asir-2255	137	21	for	for	ADP
asir-2255	137	22	all	all	DET
asir-2255	137	23	the	the	DET
asir-2255	137	24	time	time	NOUN
asir-2255	137	25	periods	period	NOUN
asir-2255	137	26	following	follow	VERB
asir-2255	137	27	a	a	DET
asir-2255	137	28	given	give	VERB
asir-2255	137	29	intervention	intervention	NOUN
asir-2255	137	30	,	,	PUNCT
asir-2255	137	31	and	and	CCONJ
asir-2255	137	32	zero	zero	NUM
asir-2255	137	33	for	for	ADP
asir-2255	137	34	the	the	DET
asir-2255	137	35	periods	period	NOUN
asir-2255	137	36	prior	prior	ADV
asir-2255	137	37	to	to	ADP
asir-2255	137	38	the	the	DET
asir-2255	137	39	intervention	intervention	NOUN
asir-2255	137	40	and	and	CCONJ
asir-2255	137	41	for	for	ADP
asir-2255	137	42	all	all	DET
asir-2255	137	43	periods	period	NOUN
asir-2255	137	44	for	for	ADP
asir-2255	137	45	a	a	DET
asir-2255	137	46	bank	bank	NOUN
asir-2255	137	47	that	that	PRON
asir-2255	137	48	has	have	AUX
asir-2255	137	49	not	not	PART
asir-2255	137	50	undergone	undergo	VERB
asir-2255	137	51	any	any	DET
asir-2255	137	52	ownership	ownership	NOUN
asir-2255	137	53	change	change	NOUN
asir-2255	137	54	.	.	PUNCT
asir-2255	138	1	this	this	DET
asir-2255	138	2	treatment	treatment	NOUN
asir-2255	138	3	is	be	AUX
asir-2255	138	4	assumed	assume	VERB
asir-2255	138	5	to	to	PART
asir-2255	138	6	identify	identify	VERB
asir-2255	138	7	the	the	DET
asir-2255	138	8	short	short	ADJ
asir-2255	138	9	-	-	PUNCT
asir-2255	138	10	term	term	NOUN
asir-2255	138	11	performance	performance	NOUN
asir-2255	138	12	effect	effect	NOUN
asir-2255	138	13	of	of	ADP
asir-2255	138	14	the	the	DET
asir-2255	138	15	intervention	intervention	NOUN
asir-2255	138	16	.	.	PUNCT
asir-2255	139	1	the	the	DET
asir-2255	139	2	dynamic	dynamic	ADJ
asir-2255	139	3	dummy	dummy	ADJ
asir-2255	139	4	variable	variable	NOUN
asir-2255	139	5	is	be	AUX
asir-2255	139	6	assumed	assume	VERB
asir-2255	139	7	to	to	PART
asir-2255	139	8	capture	capture	VERB
asir-2255	139	9	the	the	DET
asir-2255	139	10	once	once	ADV
asir-2255	139	11	-	-	PUNCT
asir-2255	139	12	and	and	CCONJ
asir-2255	139	13	-	-	PUNCT
asir-2255	139	14	for	for	ADP
asir-2255	139	15	-	-	PUNCT
asir-2255	139	16	all	all	DET
asir-2255	139	17	changes	change	NOUN
asir-2255	139	18	associated	associate	VERB
asir-2255	139	19	to	to	ADP
asir-2255	139	20	a	a	DET
asir-2255	139	21	certain	certain	ADJ
asir-2255	139	22	intervention	intervention	NOUN
asir-2255	139	23	.	.	PUNCT
asir-2255	140	1	in	in	ADP
asir-2255	140	2	addition	addition	NOUN
asir-2255	140	3	to	to	ADP
asir-2255	140	4	this	this	DET
asir-2255	140	5	level	level	NOUN
asir-2255	140	6	effect	effect	NOUN
asir-2255	140	7	,	,	PUNCT
asir-2255	140	8	however	however	ADV
asir-2255	140	9	,	,	PUNCT
asir-2255	140	10	nakane	nakane	PROPN
asir-2255	140	11	and	and	CCONJ
asir-2255	140	12	weintraub	weintraub	PROPN
asir-2255	140	13	(	(	PUNCT
asir-2255	140	14	2005	2005	NUM
asir-2255	140	15	)	)	PUNCT
asir-2255	140	16	note	note	VERB
asir-2255	140	17	that	that	SCONJ
asir-2255	140	18	the	the	DET
asir-2255	140	19	effect	effect	NOUN
asir-2255	140	20	of	of	ADP
asir-2255	140	21	intervention	intervention	NOUN
asir-2255	140	22	may	may	AUX
asir-2255	140	23	be	be	AUX
asir-2255	140	24	realised	realise	VERB
asir-2255	140	25	cumulatively	cumulatively	ADV
asir-2255	140	26	over	over	ADP
asir-2255	140	27	a	a	DET
asir-2255	140	28	period	period	NOUN
asir-2255	140	29	of	of	ADP
asir-2255	140	30	time	time	NOUN
asir-2255	140	31	.	.	PUNCT
asir-2255	141	1	for	for	ADP
asir-2255	141	2	this	this	DET
asir-2255	141	3	reason	reason	NOUN
asir-2255	141	4	,	,	PUNCT
asir-2255	141	5	an	an	DET
asir-2255	141	6	additional	additional	ADJ
asir-2255	141	7	dummy	dummy	ADJ
asir-2255	141	8	variable	variable	NOUN
asir-2255	141	9	(	(	PUNCT
asir-2255	141	10	dynamic_lt	dynamic_lt	PROPN
asir-2255	141	11	)	)	PUNCT
asir-2255	141	12	is	be	AUX
asir-2255	141	13	created	create	VERB
asir-2255	141	14	to	to	PART
asir-2255	141	15	measure	measure	VERB
asir-2255	141	16	the	the	DET
asir-2255	141	17	time	time	NOUN
asir-2255	141	18	that	that	PRON
asir-2255	141	19	has	have	AUX
asir-2255	141	20	lapsed	lapse	VERB
asir-2255	141	21	since	since	SCONJ
asir-2255	141	22	the	the	DET
asir-2255	141	23	intervention	intervention	NOUN
asir-2255	141	24	occurred	occur	VERB
asir-2255	141	25	.	.	PUNCT
asir-2255	142	1	under	under	ADP
asir-2255	142	2	normal	normal	ADJ
asir-2255	142	3	circumstances	circumstance	NOUN
asir-2255	142	4	,	,	PUNCT
asir-2255	142	5	the	the	DET
asir-2255	142	6	dynamic	dynamic	ADJ
asir-2255	142	7	time	time	NOUN
asir-2255	142	8	dummy	dummy	ADJ
asir-2255	142	9	variable	variable	NOUN
asir-2255	142	10	takes	take	VERB
asir-2255	142	11	the	the	DET
asir-2255	142	12	value	value	NOUN
asir-2255	142	13	of	of	ADP
asir-2255	142	14	one	one	NUM
asir-2255	142	15	in	in	ADP
asir-2255	142	16	the	the	DET
asir-2255	142	17	year	year	NOUN
asir-2255	142	18	when	when	SCONJ
asir-2255	142	19	the	the	DET
asir-2255	142	20	intervention	intervention	NOUN
asir-2255	142	21	occurred	occur	VERB
asir-2255	142	22	,	,	PUNCT
asir-2255	142	23	the	the	DET
asir-2255	142	24	value	value	NOUN
asir-2255	142	25	two	two	NUM
asir-2255	142	26	in	in	ADP
asir-2255	142	27	the	the	DET
asir-2255	142	28	following	following	ADJ
asir-2255	142	29	year	year	NOUN
asir-2255	142	30	,	,	PUNCT
asir-2255	142	31	and	and	CCONJ
asir-2255	142	32	so	so	ADV
asir-2255	142	33	on	on	ADV
asir-2255	142	34	.	.	PUNCT
asir-2255	143	1	however	however	ADV
asir-2255	143	2	,	,	PUNCT
asir-2255	143	3	all	all	DET
asir-2255	143	4	observations	observation	NOUN
asir-2255	143	5	in	in	ADP
asir-2255	143	6	the	the	DET
asir-2255	143	7	year	year	NOUN
asir-2255	143	8	when	when	SCONJ
asir-2255	143	9	the	the	DET
asir-2255	143	10	intervention	intervention	NOUN
asir-2255	143	11	took	take	VERB
asir-2255	143	12	place	place	NOUN
asir-2255	143	13	are	be	AUX
asir-2255	143	14	excluded	exclude	VERB
asir-2255	143	15	from	from	ADP
asir-2255	143	16	the	the	DET
asir-2255	143	17	sample	sample	NOUN
asir-2255	143	18	.	.	PUNCT
asir-2255	144	1	thus	thus	ADV
asir-2255	144	2	,	,	PUNCT
asir-2255	144	3	the	the	DET
asir-2255	144	4	dynamic	dynamic	ADJ
asir-2255	144	5	time	time	NOUN
asir-2255	144	6	dummy	dummy	ADJ
asir-2255	144	7	variable	variable	NOUN
asir-2255	144	8	,	,	PUNCT
asir-2255	144	9	which	which	PRON
asir-2255	144	10	reflects	reflect	VERB
asir-2255	144	11	a	a	DET
asir-2255	144	12	long	long	ADJ
asir-2255	144	13	-	-	PUNCT
asir-2255	144	14	term	term	NOUN
asir-2255	144	15	performance	performance	NOUN
asir-2255	144	16	effect	effect	NOUN
asir-2255	144	17	,	,	PUNCT
asir-2255	144	18	starts	start	VERB
asir-2255	144	19	with	with	ADP
asir-2255	144	20	zero	zero	NUM
asir-2255	144	21	prior	prior	ADV
asir-2255	144	22	to	to	ADP
asir-2255	144	23	the	the	DET
asir-2255	144	24	intervention	intervention	NOUN
asir-2255	144	25	and	and	CCONJ
asir-2255	144	26	two	two	NUM
asir-2255	144	27	for	for	ADP
asir-2255	144	28	the	the	DET
asir-2255	144	29	second	second	ADJ
asir-2255	144	30	year	year	NOUN
asir-2255	144	31	following	follow	VERB
asir-2255	144	32	the	the	DET
asir-2255	144	33	ownership	ownership	NOUN
asir-2255	144	34	change	change	NOUN
asir-2255	144	35	.	.	PUNCT
asir-2255	145	1	the	the	DET
asir-2255	145	2	intuition	intuition	NOUN
asir-2255	145	3	behind	behind	ADP
asir-2255	145	4	this	this	DET
asir-2255	145	5	treatment	treatment	NOUN
asir-2255	145	6	as	as	SCONJ
asir-2255	145	7	noted	note	VERB
asir-2255	145	8	by	by	ADP
asir-2255	145	9	nakane	nakane	PROPN
asir-2255	145	10	and	and	CCONJ
asir-2255	145	11	weintraub	weintraub	PROPN
asir-2255	145	12	(	(	PUNCT
asir-2255	145	13	2005	2005	NUM
asir-2255	145	14	)	)	PUNCT
asir-2255	145	15	is	be	AUX
asir-2255	145	16	to	to	PART
asir-2255	145	17	control	control	VERB
asir-2255	145	18	for	for	ADP
asir-2255	145	19	noise	noise	NOUN
asir-2255	145	20	and	and	CCONJ
asir-2255	145	21	some	some	PRON
asir-2255	145	22	of	of	ADP
asir-2255	145	23	the	the	DET
asir-2255	145	24	short	short	ADJ
asir-2255	145	25	-	-	PUNCT
asir-2255	145	26	term	term	NOUN
asir-2255	145	27	transaction	transaction	NOUN
asir-2255	145	28	costs	cost	NOUN
asir-2255	145	29	associated	associate	VERB
asir-2255	145	30	with	with	ADP
asir-2255	145	31	the	the	DET
asir-2255	145	32	intervention	intervention	NOUN
asir-2255	145	33	.	.	PUNCT
asir-2255	146	1	this	this	PRON
asir-2255	146	2	may	may	AUX
asir-2255	146	3	include	include	VERB
asir-2255	146	4	discontinuities	discontinuity	NOUN
asir-2255	146	5	in	in	ADP
asir-2255	146	6	previous	previous	ADJ
asir-2255	146	7	policies	policy	NOUN
asir-2255	146	8	,	,	PUNCT
asir-2255	146	9	adoption	adoption	NOUN
asir-2255	146	10	of	of	ADP
asir-2255	146	11	new	new	ADJ
asir-2255	146	12	strategies	strategy	NOUN
asir-2255	146	13	,	,	PUNCT
asir-2255	146	14	as	as	ADV
asir-2255	146	15	well	well	ADV
asir-2255	146	16	as	as	ADP
asir-2255	146	17	costs	cost	NOUN
asir-2255	146	18	that	that	PRON
asir-2255	146	19	are	be	AUX
asir-2255	146	20	related	relate	VERB
asir-2255	146	21	to	to	ADP
asir-2255	146	22	legal	legal	ADJ
asir-2255	146	23	issues	issue	NOUN
asir-2255	146	24	,	,	PUNCT
asir-2255	146	25	consultancy	consultancy	NOUN
asir-2255	146	26	services	service	NOUN
asir-2255	146	27	,	,	PUNCT
asir-2255	146	28	due	due	ADJ
asir-2255	146	29	diligence	diligence	NOUN
asir-2255	146	30	,	,	PUNCT
asir-2255	146	31	and	and	CCONJ
asir-2255	146	32	any	any	DET
asir-2255	146	33	costs	cost	NOUN
asir-2255	146	34	that	that	PRON
asir-2255	146	35	may	may	AUX
asir-2255	146	36	be	be	AUX
asir-2255	146	37	associated	associate	VERB
asir-2255	146	38	with	with	ADP
asir-2255	146	39	the	the	DET
asir-2255	146	40	corporate	corporate	ADJ
asir-2255	146	41	change	change	NOUN
asir-2255	146	42	.	.	PUNCT
asir-2255	147	1	each	each	DET
asir-2255	147	2	dummy	dummy	NOUN
asir-2255	147	3	equals	equal	VERB
asir-2255	147	4	zero	zero	NUM
asir-2255	147	5	for	for	ADP
asir-2255	147	6	all	all	DET
asir-2255	147	7	periods	period	NOUN
asir-2255	147	8	for	for	ADP
asir-2255	147	9	banks	bank	NOUN
asir-2255	147	10	that	that	PRON
asir-2255	147	11	did	do	AUX
asir-2255	147	12	not	not	PART
asir-2255	147	13	experience	experience	VERB
asir-2255	147	14	any	any	DET
asir-2255	147	15	cross	cross	ADJ
asir-2255	147	16	-	-	ADJ
asir-2255	147	17	border	border	ADJ
asir-2255	147	18	merger	merger	NOUN
asir-2255	147	19	and	and	CCONJ
asir-2255	147	20	acquisition	acquisition	NOUN
asir-2255	147	21	.	.	PUNCT
asir-2255	148	1	based	base	VERB
asir-2255	148	2	on	on	ADP
asir-2255	148	3	the	the	DET
asir-2255	148	4	aforementioned	aforementioned	ADJ
asir-2255	148	5	definitions	definition	NOUN
asir-2255	148	6	for	for	ADP
asir-2255	148	7	bank	bank	NOUN
asir-2255	148	8	ownership	ownership	NOUN
asir-2255	148	9	and	and	CCONJ
asir-2255	148	10	corporate	corporate	ADJ
asir-2255	148	11	changes	change	NOUN
asir-2255	148	12	,	,	PUNCT
asir-2255	148	13	it	it	PRON
asir-2255	148	14	is	be	AUX
asir-2255	148	15	expected	expect	VERB
asir-2255	148	16	that	that	SCONJ
asir-2255	148	17	the	the	DET
asir-2255	148	18	various	various	ADJ
asir-2255	148	19	measures	measure	NOUN
asir-2255	148	20	will	will	AUX
asir-2255	148	21	explain	explain	VERB
asir-2255	148	22	the	the	DET
asir-2255	148	23	variations	variation	NOUN
asir-2255	148	24	in	in	ADP
asir-2255	148	25	the	the	DET
asir-2255	148	26	cost	cost	NOUN
asir-2255	148	27	-	-	PUNCT
asir-2255	148	28	efficient	efficient	ADJ
asir-2255	148	29	frontier	frontier	NOUN
asir-2255	148	30	.	.	PUNCT
asir-2255	149	1	this	this	PRON
asir-2255	149	2	will	will	AUX
asir-2255	149	3	allow	allow	VERB
asir-2255	149	4	assessing	assess	VERB
asir-2255	149	5	the	the	DET
asir-2255	149	6	effect	effect	NOUN
asir-2255	149	7	of	of	ADP
asir-2255	149	8	institutional	institutional	ADJ
asir-2255	149	9	differences	difference	NOUN
asir-2255	149	10	on	on	ADP
asir-2255	149	11	the	the	DET
asir-2255	149	12	efficiency	efficiency	NOUN
asir-2255	149	13	estimate	estimate	NOUN
asir-2255	149	14	.	.	PUNCT
asir-2255	150	1	eventually	eventually	ADV
asir-2255	150	2	,	,	PUNCT
asir-2255	150	3	one	one	PRON
asir-2255	150	4	is	be	AUX
asir-2255	150	5	able	able	ADJ
asir-2255	150	6	to	to	PART
asir-2255	150	7	examine	examine	VERB
asir-2255	150	8	which	which	PRON
asir-2255	150	9	of	of	ADP
asir-2255	150	10	these	these	DET
asir-2255	150	11	ownership	ownership	NOUN
asir-2255	150	12	effects	effect	NOUN
asir-2255	150	13	dominates	dominate	VERB
asir-2255	150	14	the	the	DET
asir-2255	150	15	efficiency	efficiency	NOUN
asir-2255	150	16	of	of	ADP
asir-2255	150	17	the	the	DET
asir-2255	150	18	ghanaian	ghanaian	ADJ
asir-2255	150	19	banking	banking	NOUN
asir-2255	150	20	system	system	NOUN
asir-2255	150	21	after	after	ADP
asir-2255	150	22	financial	financial	ADJ
asir-2255	150	23	liberalisation	liberalisation	NOUN
asir-2255	150	24	.	.	PUNCT
asir-2255	151	1	3.2.2	3.2.2	NUM
asir-2255	151	2	competition	competition	NOUN
asir-2255	151	3	proponents	proponent	NOUN
asir-2255	151	4	of	of	ADP
asir-2255	151	5	financial	financial	ADJ
asir-2255	151	6	liberalisation	liberalisation	NOUN
asir-2255	151	7	suggest	suggest	VERB
asir-2255	151	8	that	that	SCONJ
asir-2255	151	9	as	as	ADP
asir-2255	151	10	a	a	DET
asir-2255	151	11	consequence	consequence	NOUN
asir-2255	151	12	the	the	DET
asir-2255	151	13	banking	banking	NOUN
asir-2255	151	14	system	system	NOUN
asir-2255	151	15	will	will	AUX
asir-2255	151	16	become	become	VERB
asir-2255	151	17	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	151	18	applied	apply	VERB
asir-2255	151	19	science	science	NOUN
asir-2255	151	20	and	and	CCONJ
asir-2255	151	21	innovative	innovative	ADJ
asir-2255	151	22	research	research	NOUN
asir-2255	151	23	vol	vol	NOUN
asir-2255	151	24	.	.	PUNCT
asir-2255	152	1	3	3	NUM
asir-2255	152	2	,	,	PUNCT
asir-2255	152	3	no	no	INTJ
asir-2255	152	4	.	.	NOUN
asir-2255	152	5	3	3	NUM
asir-2255	152	6	,	,	PUNCT
asir-2255	152	7	2019	2019	NUM
asir-2255	152	8	198	198	NUM
asir-2255	152	9	published	publish	VERB
asir-2255	152	10	by	by	ADP
asir-2255	152	11	scholink	scholink	PROPN
asir-2255	152	12	inc	inc	PROPN
asir-2255	152	13	.	.	PROPN
asir-2255	152	14	more	more	ADV
asir-2255	152	15	efficient	efficient	ADJ
asir-2255	152	16	through	through	ADP
asir-2255	152	17	competition	competition	NOUN
asir-2255	152	18	.	.	PUNCT
asir-2255	153	1	a	a	DET
asir-2255	153	2	considerable	considerable	ADJ
asir-2255	153	3	number	number	NOUN
asir-2255	153	4	of	of	ADP
asir-2255	153	5	studies	study	NOUN
asir-2255	153	6	have	have	AUX
asir-2255	153	7	suggested	suggest	VERB
asir-2255	153	8	that	that	SCONJ
asir-2255	153	9	better	well	ADJ
asir-2255	153	10	institutions	institution	NOUN
asir-2255	153	11	will	will	AUX
asir-2255	153	12	promote	promote	VERB
asir-2255	153	13	greater	great	ADJ
asir-2255	153	14	competition	competition	NOUN
asir-2255	153	15	in	in	ADP
asir-2255	153	16	an	an	DET
asir-2255	153	17	economy	economy	NOUN
asir-2255	153	18	.	.	PUNCT
asir-2255	154	1	several	several	ADJ
asir-2255	154	2	developing	develop	VERB
asir-2255	154	3	countries	country	NOUN
asir-2255	154	4	have	have	AUX
asir-2255	154	5	taken	take	VERB
asir-2255	154	6	measures	measure	NOUN
asir-2255	154	7	to	to	PART
asir-2255	154	8	lower	low	ADJ
asir-2255	154	9	entry	entry	NOUN
asir-2255	154	10	barriers	barrier	NOUN
asir-2255	154	11	,	,	PUNCT
asir-2255	154	12	abolish	abolish	VERB
asir-2255	154	13	interest	interest	NOUN
asir-2255	154	14	rate	rate	NOUN
asir-2255	154	15	ceilings	ceiling	NOUN
asir-2255	154	16	,	,	PUNCT
asir-2255	154	17	and	and	CCONJ
asir-2255	154	18	privatise	privatise	VERB
asir-2255	154	19	government	government	NOUN
asir-2255	154	20	-	-	PUNCT
asir-2255	154	21	owned	own	VERB
asir-2255	154	22	financial	financial	ADJ
asir-2255	154	23	institutions	institution	NOUN
asir-2255	154	24	.	.	PUNCT
asir-2255	155	1	some	some	DET
asir-2255	155	2	advocates	advocate	NOUN
asir-2255	155	3	of	of	ADP
asir-2255	155	4	universal	universal	ADJ
asir-2255	155	5	banking	banking	NOUN
asir-2255	155	6	have	have	AUX
asir-2255	155	7	also	also	ADV
asir-2255	155	8	argued	argue	VERB
asir-2255	155	9	that	that	SCONJ
asir-2255	155	10	competition	competition	NOUN
asir-2255	155	11	can	can	AUX
asir-2255	155	12	be	be	AUX
asir-2255	155	13	stimulated	stimulate	VERB
asir-2255	155	14	by	by	ADP
asir-2255	155	15	despecialising	despecialise	VERB
asir-2255	155	16	development	development	NOUN
asir-2255	155	17	financial	financial	ADJ
asir-2255	155	18	institutions	institution	NOUN
asir-2255	155	19	(	(	PUNCT
asir-2255	155	20	dfis	dfis	ADJ
asir-2255	155	21	)	)	PUNCT
asir-2255	155	22	and	and	CCONJ
asir-2255	155	23	commercial	commercial	ADJ
asir-2255	155	24	banks	bank	NOUN
asir-2255	155	25	.	.	PUNCT
asir-2255	156	1	from	from	ADP
asir-2255	156	2	this	this	DET
asir-2255	156	3	perspective	perspective	NOUN
asir-2255	156	4	,	,	PUNCT
asir-2255	156	5	the	the	DET
asir-2255	156	6	ghanaian	ghanaian	ADJ
asir-2255	156	7	authority	authority	NOUN
asir-2255	156	8	has	have	AUX
asir-2255	156	9	replaced	replace	VERB
asir-2255	156	10	the	the	DET
asir-2255	156	11	3	3	NUM
asir-2255	156	12	-	-	PUNCT
asir-2255	156	13	pillar	pillar	NOUN
asir-2255	156	14	banking	banking	NOUN
asir-2255	156	15	model	model	NOUN
asir-2255	156	16	(	(	PUNCT
asir-2255	156	17	development	development	NOUN
asir-2255	156	18	,	,	PUNCT
asir-2255	156	19	merchant	merchant	NOUN
asir-2255	156	20	and	and	CCONJ
asir-2255	156	21	commercial	commercial	ADJ
asir-2255	156	22	banking	banking	NOUN
asir-2255	156	23	)	)	PUNCT
asir-2255	156	24	with	with	ADP
asir-2255	156	25	universal	universal	ADJ
asir-2255	156	26	banking	banking	NOUN
asir-2255	156	27	(	(	PUNCT
asir-2255	156	28	note	note	NOUN
asir-2255	156	29	3	3	NUM
asir-2255	156	30	)	)	PUNCT
asir-2255	156	31	.	.	PUNCT
asir-2255	157	1	the	the	DET
asir-2255	157	2	motivation	motivation	NOUN
asir-2255	157	3	is	be	AUX
asir-2255	157	4	to	to	PART
asir-2255	157	5	level	level	VERB
asir-2255	157	6	the	the	DET
asir-2255	157	7	playing	play	VERB
asir-2255	157	8	field	field	NOUN
asir-2255	157	9	,	,	PUNCT
asir-2255	157	10	and	and	CCONJ
asir-2255	157	11	open	open	VERB
asir-2255	157	12	up	up	ADP
asir-2255	157	13	the	the	DET
asir-2255	157	14	system	system	NOUN
asir-2255	157	15	to	to	ADP
asir-2255	157	16	competition	competition	NOUN
asir-2255	157	17	,	,	PUNCT
asir-2255	157	18	product	product	NOUN
asir-2255	157	19	innovation	innovation	NOUN
asir-2255	157	20	and	and	CCONJ
asir-2255	157	21	entry	entry	NOUN
asir-2255	157	22	.	.	PUNCT
asir-2255	158	1	a	a	DET
asir-2255	158	2	dummy	dummy	ADJ
asir-2255	158	3	variable	variable	NOUN
asir-2255	158	4	(	(	PUNCT
asir-2255	158	5	universal	universal	ADJ
asir-2255	158	6	)	)	PUNCT
asir-2255	158	7	is	be	AUX
asir-2255	158	8	set	set	VERB
asir-2255	158	9	to	to	PART
asir-2255	158	10	take	take	VERB
asir-2255	158	11	a	a	DET
asir-2255	158	12	value	value	NOUN
asir-2255	158	13	of	of	ADP
asir-2255	158	14	one	one	NUM
asir-2255	158	15	from	from	ADP
asir-2255	158	16	the	the	DET
asir-2255	158	17	period	period	NOUN
asir-2255	158	18	when	when	SCONJ
asir-2255	158	19	universal	universal	ADJ
asir-2255	158	20	banking	banking	NOUN
asir-2255	158	21	was	be	AUX
asir-2255	158	22	introduced	introduce	VERB
asir-2255	158	23	,	,	PUNCT
asir-2255	158	24	and	and	CCONJ
asir-2255	158	25	zero	zero	NUM
asir-2255	158	26	otherwise	otherwise	ADV
asir-2255	158	27	(	(	PUNCT
asir-2255	158	28	note	note	NOUN
asir-2255	158	29	4	4	NUM
asir-2255	158	30	)	)	PUNCT
asir-2255	158	31	.	.	PUNCT
asir-2255	159	1	3.2.3	3.2.3	NUM
asir-2255	159	2	bank	bank	NOUN
asir-2255	159	3	size	size	NOUN
asir-2255	159	4	variation	variation	NOUN
asir-2255	159	5	in	in	ADP
asir-2255	159	6	the	the	DET
asir-2255	159	7	location	location	NOUN
asir-2255	159	8	of	of	ADP
asir-2255	159	9	the	the	DET
asir-2255	159	10	cost	cost	NOUN
asir-2255	159	11	-	-	PUNCT
asir-2255	159	12	efficient	efficient	ADJ
asir-2255	159	13	frontier	frontier	NOUN
asir-2255	159	14	is	be	AUX
asir-2255	159	15	allowed	allow	VERB
asir-2255	159	16	by	by	ADP
asir-2255	159	17	bank	bank	NOUN
asir-2255	159	18	size	size	NOUN
asir-2255	159	19	.	.	PUNCT
asir-2255	160	1	banks	bank	NOUN
asir-2255	160	2	with	with	ADP
asir-2255	160	3	larger	large	ADJ
asir-2255	160	4	asset	asset	NOUN
asir-2255	160	5	holdings	holding	NOUN
asir-2255	160	6	may	may	AUX
asir-2255	160	7	operate	operate	VERB
asir-2255	160	8	more	more	ADV
asir-2255	160	9	efficiently	efficiently	ADV
asir-2255	160	10	than	than	ADP
asir-2255	160	11	their	their	PRON
asir-2255	160	12	counterparts	counterpart	NOUN
asir-2255	160	13	due	due	ADP
asir-2255	160	14	to	to	ADP
asir-2255	160	15	the	the	DET
asir-2255	160	16	use	use	NOUN
asir-2255	160	17	of	of	ADP
asir-2255	160	18	different	different	ADJ
asir-2255	160	19	production	production	NOUN
asir-2255	160	20	technology	technology	NOUN
asir-2255	160	21	.	.	PUNCT
asir-2255	161	1	the	the	DET
asir-2255	161	2	evidence	evidence	NOUN
asir-2255	161	3	in	in	ADP
asir-2255	161	4	the	the	DET
asir-2255	161	5	academic	academic	ADJ
asir-2255	161	6	literature	literature	NOUN
asir-2255	161	7	is	be	AUX
asir-2255	161	8	mixed	mixed	ADJ
asir-2255	161	9	and	and	CCONJ
asir-2255	161	10	inconclusive	inconclusive	ADJ
asir-2255	161	11	on	on	ADP
asir-2255	161	12	this	this	DET
asir-2255	161	13	issue	issue	NOUN
asir-2255	161	14	,	,	PUNCT
asir-2255	161	15	as	as	SCONJ
asir-2255	161	16	previous	previous	ADJ
asir-2255	161	17	empirical	empirical	ADJ
asir-2255	161	18	studies	study	NOUN
asir-2255	161	19	have	have	AUX
asir-2255	161	20	yielded	yield	VERB
asir-2255	161	21	different	different	ADJ
asir-2255	161	22	results	result	NOUN
asir-2255	161	23	.	.	PUNCT
asir-2255	162	1	it	it	PRON
asir-2255	162	2	is	be	AUX
asir-2255	162	3	also	also	ADV
asir-2255	162	4	possible	possible	ADJ
asir-2255	162	5	that	that	SCONJ
asir-2255	162	6	banks	bank	NOUN
asir-2255	162	7	of	of	ADP
asir-2255	162	8	different	different	ADJ
asir-2255	162	9	sizes	size	NOUN
asir-2255	162	10	serve	serve	VERB
asir-2255	162	11	different	different	ADJ
asir-2255	162	12	groups	group	NOUN
asir-2255	162	13	of	of	ADP
asir-2255	162	14	customers	customer	NOUN
asir-2255	162	15	,	,	PUNCT
asir-2255	162	16	and	and	CCONJ
asir-2255	162	17	as	as	ADP
asir-2255	162	18	a	a	DET
asir-2255	162	19	result	result	NOUN
asir-2255	162	20	,	,	PUNCT
asir-2255	162	21	may	may	AUX
asir-2255	162	22	face	face	VERB
asir-2255	162	23	different	different	ADJ
asir-2255	162	24	levels	level	NOUN
asir-2255	162	25	of	of	ADP
asir-2255	162	26	competition	competition	NOUN
asir-2255	162	27	.	.	PUNCT
asir-2255	163	1	from	from	ADP
asir-2255	163	2	this	this	DET
asir-2255	163	3	perspective	perspective	NOUN
asir-2255	163	4	,	,	PUNCT
asir-2255	163	5	the	the	DET
asir-2255	163	6	size	size	NOUN
asir-2255	163	7	indicator	indicator	NOUN
asir-2255	163	8	is	be	AUX
asir-2255	163	9	expected	expect	VERB
asir-2255	163	10	to	to	PART
asir-2255	163	11	explain	explain	VERB
asir-2255	163	12	the	the	DET
asir-2255	163	13	efficiency	efficiency	NOUN
asir-2255	163	14	of	of	ADP
asir-2255	163	15	banks	bank	NOUN
asir-2255	163	16	.	.	PUNCT
asir-2255	164	1	bank	bank	NOUN
asir-2255	164	2	size	size	NOUN
asir-2255	164	3	(	(	PUNCT
asir-2255	164	4	logassets	logasset	NOUN
asir-2255	164	5	)	)	PUNCT
asir-2255	164	6	is	be	AUX
asir-2255	164	7	measured	measure	VERB
asir-2255	164	8	as	as	ADP
asir-2255	164	9	the	the	DET
asir-2255	164	10	natural	natural	ADJ
asir-2255	164	11	logarithm	logarithm	NOUN
asir-2255	164	12	of	of	ADP
asir-2255	164	13	total	total	ADJ
asir-2255	164	14	assets	asset	NOUN
asir-2255	164	15	.	.	PUNCT
asir-2255	165	1	3.2.4	3.2.4	NUM
asir-2255	165	2	other	other	ADJ
asir-2255	165	3	control	control	NOUN
asir-2255	165	4	variables	variable	NOUN
asir-2255	165	5	as	as	ADP
asir-2255	165	6	a	a	DET
asir-2255	165	7	robustness	robustness	NOUN
asir-2255	165	8	check	check	NOUN
asir-2255	165	9	,	,	PUNCT
asir-2255	165	10	inflation	inflation	NOUN
asir-2255	165	11	(	(	PUNCT
asir-2255	165	12	inflation	inflation	NOUN
asir-2255	165	13	)	)	PUNCT
asir-2255	165	14	and	and	CCONJ
asir-2255	165	15	the	the	DET
asir-2255	165	16	bank	bank	NOUN
asir-2255	165	17	of	of	ADP
asir-2255	165	18	ghana	ghana	PROPN
asir-2255	165	19	average	average	ADJ
asir-2255	165	20	quarterly	quarterly	ADJ
asir-2255	165	21	discount	discount	NOUN
asir-2255	165	22	rate	rate	NOUN
asir-2255	165	23	(	(	PUNCT
asir-2255	165	24	disrate	disrate	NOUN
asir-2255	165	25	)	)	PUNCT
asir-2255	165	26	are	be	AUX
asir-2255	165	27	used	use	VERB
asir-2255	165	28	as	as	ADP
asir-2255	165	29	macroeconomic	macroeconomic	ADJ
asir-2255	165	30	indicators	indicator	NOUN
asir-2255	165	31	to	to	PART
asir-2255	165	32	establish	establish	VERB
asir-2255	165	33	whether	whether	SCONJ
asir-2255	165	34	these	these	DET
asir-2255	165	35	additional	additional	ADJ
asir-2255	165	36	variables	variable	NOUN
asir-2255	165	37	influence	influence	VERB
asir-2255	165	38	the	the	DET
asir-2255	165	39	estimated	estimate	VERB
asir-2255	165	40	relationships	relationship	NOUN
asir-2255	165	41	between	between	ADP
asir-2255	165	42	efficiency	efficiency	NOUN
asir-2255	165	43	and	and	CCONJ
asir-2255	165	44	the	the	DET
asir-2255	165	45	main	main	ADJ
asir-2255	165	46	variables	variable	NOUN
asir-2255	165	47	of	of	ADP
asir-2255	165	48	interest	interest	NOUN
asir-2255	165	49	,	,	PUNCT
asir-2255	165	50	which	which	PRON
asir-2255	165	51	in	in	ADP
asir-2255	165	52	this	this	DET
asir-2255	165	53	case	case	NOUN
asir-2255	165	54	,	,	PUNCT
asir-2255	165	55	are	be	AUX
asir-2255	165	56	the	the	DET
asir-2255	165	57	indicators	indicator	NOUN
asir-2255	165	58	of	of	ADP
asir-2255	165	59	bank	bank	NOUN
asir-2255	165	60	governance	governance	NOUN
asir-2255	165	61	,	,	PUNCT
asir-2255	165	62	competition	competition	NOUN
asir-2255	165	63	and	and	CCONJ
asir-2255	165	64	bank	bank	NOUN
asir-2255	165	65	size	size	NOUN
asir-2255	165	66	.	.	PUNCT
asir-2255	166	1	whereas	whereas	SCONJ
asir-2255	166	2	high	high	ADJ
asir-2255	166	3	discount	discount	NOUN
asir-2255	166	4	rates	rate	NOUN
asir-2255	166	5	can	can	AUX
asir-2255	166	6	increase	increase	VERB
asir-2255	166	7	the	the	DET
asir-2255	166	8	interest	interest	NOUN
asir-2255	166	9	costs	cost	NOUN
asir-2255	166	10	of	of	ADP
asir-2255	166	11	banking	banking	NOUN
asir-2255	166	12	operations	operation	NOUN
asir-2255	166	13	and	and	CCONJ
asir-2255	166	14	reduce	reduce	VERB
asir-2255	166	15	their	their	PRON
asir-2255	166	16	efficiency	efficiency	NOUN
asir-2255	166	17	levels	level	NOUN
asir-2255	166	18	,	,	PUNCT
asir-2255	166	19	inflation	inflation	NOUN
asir-2255	166	20	reduces	reduce	VERB
asir-2255	166	21	the	the	DET
asir-2255	166	22	real	real	ADJ
asir-2255	166	23	value	value	NOUN
asir-2255	166	24	of	of	ADP
asir-2255	166	25	banks	bank	NOUN
asir-2255	166	26	’	'	PUNCT
asir-2255	166	27	capital	capital	NOUN
asir-2255	166	28	and	and	CCONJ
asir-2255	166	29	increases	increase	VERB
asir-2255	166	30	their	their	PRON
asir-2255	166	31	operating	operating	NOUN
asir-2255	166	32	costs	cost	NOUN
asir-2255	166	33	.	.	PUNCT
asir-2255	167	1	inflation	inflation	NOUN
asir-2255	167	2	is	be	AUX
asir-2255	167	3	measured	measure	VERB
asir-2255	167	4	as	as	ADP
asir-2255	167	5	the	the	DET
asir-2255	167	6	annual	annual	ADJ
asir-2255	167	7	percentage	percentage	NOUN
asir-2255	167	8	change	change	NOUN
asir-2255	167	9	in	in	ADP
asir-2255	167	10	the	the	DET
asir-2255	167	11	consumer	consumer	NOUN
asir-2255	167	12	price	price	NOUN
asir-2255	167	13	index	index	NOUN
asir-2255	167	14	(	(	PUNCT
asir-2255	167	15	cpi	cpi	PROPN
asir-2255	167	16	)	)	PUNCT
asir-2255	167	17	.	.	PUNCT
asir-2255	168	1	the	the	DET
asir-2255	168	2	following	follow	VERB
asir-2255	168	3	regression	regression	NOUN
asir-2255	168	4	model	model	NOUN
asir-2255	168	5	is	be	AUX
asir-2255	168	6	estimated	estimate	VERB
asir-2255	168	7	for	for	ADP
asir-2255	168	8	the	the	DET
asir-2255	168	9	determinants	determinant	NOUN
asir-2255	168	10	of	of	ADP
asir-2255	168	11	cost	cost	NOUN
asir-2255	168	12	efficiency	efficiency	NOUN
asir-2255	168	13	in	in	ADP
asir-2255	168	14	the	the	DET
asir-2255	168	15	ghanaian	ghanaian	ADJ
asir-2255	168	16	banking	banking	NOUN
asir-2255	168	17	system	system	NOUN
asir-2255	168	18	:	:	PUNCT
asir-2255	168	19	itititit	itititit	NOUN
asir-2255	168	20	domentryforentryexiteff	domentryforentryexiteff	NOUN
asir-2255	168	21	_	_	PUNCT
asir-2255	168	22	_	_	PUNCT
asir-2255	169	1	3210	3210	NUM
asir-2255	169	2			NOUN
asir-2255	169	3			VERB
asir-2255	169	4	ititit	ititit	PROPN
asir-2255	169	5	stastaticdomstaticforstatic	stastaticdomstaticforstatic	ADJ
asir-2255	169	6	_	_	PUNCT
asir-2255	170	1	_	_	PUNCT
asir-2255	170	2	_	_	PUNCT
asir-2255	171	1	654	654	NUM
asir-2255	171	2			NOUN
asir-2255	171	3			NOUN
asir-2255	171	4	ititit	ititit	NOUN
asir-2255	171	5	ltdynamstdynamforselect	ltdynamstdynamforselect	VERB
asir-2255	171	6	_	_	PUNCT
asir-2255	172	1	_	_	PUNCT
asir-2255	173	1	_	_	PUNCT
asir-2255	173	2	987	987	NUM
asir-2255	173	3			NOUN
asir-2255	173	4			NOUN
asir-2255	173	5	titit	titit	NOUN
asir-2255	173	6	disratelogassetsuniversal	disratelogassetsuniversal	PROPN
asir-2255	173	7	121110	121110	NUM
asir-2255	173	8			NOUN
asir-2255	173	9			NOUN
asir-2255	173	10	itt	itt	ADJ
asir-2255	173	11	winflation	winflation	NOUN
asir-2255	173	12			PROPN
asir-2255	173	13	13	13	PROPN
asir-2255	173	14	(	(	PUNCT
asir-2255	173	15	2	2	NUM
asir-2255	173	16	)	)	PUNCT
asir-2255	173	17	3.3	3.3	NUM
asir-2255	173	18	data	datum	NOUN
asir-2255	173	19	sources	source	NOUN
asir-2255	173	20	and	and	CCONJ
asir-2255	173	21	classification	classification	VERB
asir-2255	173	22	the	the	DET
asir-2255	173	23	data	datum	NOUN
asir-2255	173	24	for	for	ADP
asir-2255	173	25	this	this	DET
asir-2255	173	26	study	study	NOUN
asir-2255	173	27	were	be	AUX
asir-2255	173	28	sourced	source	VERB
asir-2255	173	29	from	from	ADP
asir-2255	173	30	bank	bank	PROPN
asir-2255	173	31	of	of	ADP
asir-2255	173	32	ghana	ghana	PROPN
asir-2255	173	33	(	(	PUNCT
asir-2255	173	34	bog	bog	NOUN
asir-2255	173	35	)	)	PUNCT
asir-2255	173	36	,	,	PUNCT
asir-2255	173	37	which	which	PRON
asir-2255	173	38	publishes	publish	VERB
asir-2255	173	39	balance	balance	NOUN
asir-2255	173	40	sheet	sheet	NOUN
asir-2255	173	41	and	and	CCONJ
asir-2255	173	42	income	income	NOUN
asir-2255	173	43	statement	statement	NOUN
asir-2255	173	44	data	datum	NOUN
asir-2255	173	45	for	for	ADP
asir-2255	173	46	various	various	ADJ
asir-2255	173	47	ghanaian	ghanaian	ADJ
asir-2255	173	48	banks	bank	NOUN
asir-2255	173	49	.	.	PUNCT
asir-2255	174	1	the	the	DET
asir-2255	174	2	dataset	dataset	NOUN
asir-2255	174	3	is	be	AUX
asir-2255	174	4	an	an	DET
asir-2255	174	5	unbalanced	unbalanced	ADJ
asir-2255	174	6	panel	panel	NOUN
asir-2255	174	7	that	that	PRON
asir-2255	174	8	covers	cover	VERB
asir-2255	174	9	28	28	NUM
asir-2255	174	10	banks	bank	NOUN
asir-2255	174	11	over	over	ADP
asir-2255	174	12	the	the	DET
asir-2255	174	13	period	period	NOUN
asir-2255	174	14	1997	1997	NUM
asir-2255	174	15	-	-	SYM
asir-2255	174	16	2008	2008	NUM
asir-2255	174	17	with	with	ADP
asir-2255	174	18	a	a	DET
asir-2255	174	19	sample	sample	NOUN
asir-2255	174	20	size	size	NOUN
asir-2255	174	21	of	of	ADP
asir-2255	174	22	222	222	NUM
asir-2255	174	23	observations	observation	NOUN
asir-2255	174	24	.	.	PUNCT
asir-2255	175	1	the	the	DET
asir-2255	175	2	unbalanced	unbalanced	ADJ
asir-2255	175	3	panel	panel	NOUN
asir-2255	175	4	dataset	dataset	VERB
asir-2255	175	5	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	175	6	applied	apply	VERB
asir-2255	175	7	science	science	NOUN
asir-2255	175	8	and	and	CCONJ
asir-2255	175	9	innovative	innovative	ADJ
asir-2255	175	10	research	research	NOUN
asir-2255	175	11	vol	vol	NOUN
asir-2255	175	12	.	.	PUNCT
asir-2255	176	1	3	3	NUM
asir-2255	176	2	,	,	PUNCT
asir-2255	176	3	no	no	INTJ
asir-2255	176	4	.	.	NOUN
asir-2255	176	5	3	3	NUM
asir-2255	176	6	,	,	PUNCT
asir-2255	176	7	2019	2019	NUM
asir-2255	176	8	199	199	NUM
asir-2255	176	9	published	publish	VERB
asir-2255	176	10	by	by	ADP
asir-2255	176	11	scholink	scholink	PROPN
asir-2255	176	12	inc	inc	PROPN
asir-2255	176	13	.	.	PROPN
asir-2255	176	14	varies	vary	VERB
asir-2255	176	15	from	from	ADP
asir-2255	176	16	14	14	NUM
asir-2255	176	17	banks	bank	NOUN
asir-2255	176	18	in	in	ADP
asir-2255	176	19	1999	1999	NUM
asir-2255	176	20	to	to	ADP
asir-2255	176	21	25	25	NUM
asir-2255	176	22	banks	bank	NOUN
asir-2255	176	23	in	in	ADP
asir-2255	176	24	2008	2008	NUM
asir-2255	176	25	.	.	PUNCT
asir-2255	177	1	the	the	DET
asir-2255	177	2	study	study	NOUN
asir-2255	177	3	period	period	NOUN
asir-2255	177	4	has	have	AUX
asir-2255	177	5	been	be	AUX
asir-2255	177	6	chosen	choose	VERB
asir-2255	177	7	to	to	PART
asir-2255	177	8	reflect	reflect	VERB
asir-2255	177	9	the	the	DET
asir-2255	177	10	post	post	ADJ
asir-2255	177	11	-	-	ADJ
asir-2255	177	12	liberalisation	liberalisation	ADJ
asir-2255	177	13	phase	phase	NOUN
asir-2255	177	14	of	of	ADP
asir-2255	177	15	the	the	DET
asir-2255	177	16	financial	financial	ADJ
asir-2255	177	17	sector	sector	NOUN
asir-2255	177	18	reforms	reform	NOUN
asir-2255	177	19	period	period	NOUN
asir-2255	177	20	(	(	PUNCT
asir-2255	177	21	tables	table	NOUN
asir-2255	177	22	1	1	NUM
asir-2255	177	23	and	and	CCONJ
asir-2255	177	24	2	2	NUM
asir-2255	177	25	report	report	NOUN
asir-2255	177	26	the	the	DET
asir-2255	177	27	summary	summary	NOUN
asir-2255	177	28	statistics	statistic	NOUN
asir-2255	177	29	of	of	ADP
asir-2255	177	30	the	the	DET
asir-2255	177	31	variables	variable	NOUN
asir-2255	177	32	used	use	VERB
asir-2255	177	33	in	in	ADP
asir-2255	177	34	the	the	DET
asir-2255	177	35	empirical	empirical	ADJ
asir-2255	177	36	analysis	analysis	NOUN
asir-2255	177	37	)	)	PUNCT
asir-2255	177	38	.	.	PUNCT
asir-2255	178	1	the	the	DET
asir-2255	178	2	macroeconomic	macroeconomic	ADJ
asir-2255	178	3	variables	variable	NOUN
asir-2255	178	4	(	(	PUNCT
asir-2255	178	5	discount	discount	NOUN
asir-2255	178	6	rates	rate	NOUN
asir-2255	178	7	and	and	CCONJ
asir-2255	178	8	inflation	inflation	NOUN
asir-2255	178	9	)	)	PUNCT
asir-2255	178	10	are	be	AUX
asir-2255	178	11	obtained	obtain	VERB
asir-2255	178	12	from	from	ADP
asir-2255	178	13	the	the	DET
asir-2255	178	14	imf	imf	PROPN
asir-2255	178	15	international	international	ADJ
asir-2255	178	16	financial	financial	ADJ
asir-2255	178	17	statistics	statistic	NOUN
asir-2255	178	18	and	and	CCONJ
asir-2255	178	19	world	world	NOUN
asir-2255	178	20	economic	economic	ADJ
asir-2255	178	21	outlook	outlook	NOUN
asir-2255	178	22	databases	database	NOUN
asir-2255	178	23	.	.	PUNCT
asir-2255	179	1	table	table	NOUN
asir-2255	179	2	1	1	NUM
asir-2255	179	3	.	.	PUNCT
asir-2255	179	4	descriptive	descriptive	ADJ
asir-2255	179	5	statistics	statistic	NOUN
asir-2255	179	6	of	of	ADP
asir-2255	179	7	variables	variable	NOUN
asir-2255	179	8	used	use	VERB
asir-2255	179	9	in	in	ADP
asir-2255	179	10	cost	cost	NOUN
asir-2255	179	11	efficiency	efficiency	NOUN
asir-2255	179	12	estimation	estimation	NOUN
asir-2255	179	13	for	for	ADP
asir-2255	179	14	the	the	DET
asir-2255	179	15	period	period	NOUN
asir-2255	179	16	1997	1997	NUM
asir-2255	179	17	-	-	SYM
asir-2255	179	18	2008	2008	NUM
asir-2255	179	19	variables	variable	NOUN
asir-2255	179	20	obs	obs	PROPN
asir-2255	179	21	.	.	PUNCT
asir-2255	180	1	mean	mean	VERB
asir-2255	180	2	std	std	PROPN
asir-2255	180	3	.	.	PROPN
asir-2255	181	1	dev	dev	PROPN
asir-2255	181	2	.	.	PUNCT
asir-2255	181	3	min	min	PROPN
asir-2255	181	4	.	.	PROPN
asir-2255	181	5	max	max	PROPN
asir-2255	181	6	.	.	PUNCT
asir-2255	182	1	ln	ln	ADJ
asir-2255	182	2	oc	oc	ADP
asir-2255	182	3	222	222	NUM
asir-2255	182	4	14.2096	14.2096	NUM
asir-2255	182	5	1.4381	1.4381	NUM
asir-2255	182	6	9.3709	9.3709	NUM
asir-2255	182	7	17.0711	17.0711	NUM
asir-2255	182	8	ln	ln	NOUN
asir-2255	182	9	w	w	NOUN
asir-2255	182	10	222	222	NUM
asir-2255	182	11	3.3974	3.3974	NUM
asir-2255	182	12	0.8028	0.8028	NUM
asir-2255	182	13	1.4005	1.4005	NUM
asir-2255	182	14	6.2904	6.2904	NUM
asir-2255	182	15	ln	ln	ADV
asir-2255	182	16	ln	ln	ADJ
asir-2255	182	17	222	222	NUM
asir-2255	182	18	12.4591	12.4591	NUM
asir-2255	182	19	1.8057	1.8057	NUM
asir-2255	182	20	7.3542	7.3542	NUM
asir-2255	182	21	16.2230	16.2230	NUM
asir-2255	182	22	ln	ln	ADJ
asir-2255	182	23	dp	dp	NOUN
asir-2255	182	24	222	222	NUM
asir-2255	182	25	12.9770	12.9770	NUM
asir-2255	182	26	1.5782	1.5782	NUM
asir-2255	182	27	8.5796	8.5796	NUM
asir-2255	182	28	16.1151	16.1151	NUM
asir-2255	182	29	1/2	1/2	NUM
asir-2255	182	30	(	(	PUNCT
asir-2255	182	31	ln	ln	ADV
asir-2255	182	32	w)²	w)²	VERB
asir-2255	182	33	222	222	NUM
asir-2255	182	34	6.0920	6.0920	NUM
asir-2255	182	35	2.7928	2.7928	NUM
asir-2255	182	36	0.9807	0.9807	NUM
asir-2255	182	37	19.7846	19.7846	NUM
asir-2255	182	38	1/2	1/2	NUM
asir-2255	183	1	(	(	PUNCT
asir-2255	183	2	ln	ln	NOUN
asir-2255	183	3	ln)²	ln)²	PROPN
asir-2255	183	4	222	222	NUM
asir-2255	183	5	79.2374	79.2374	NUM
asir-2255	183	6	21.8185	21.8185	NUM
asir-2255	183	7	27.0419	27.0419	NUM
asir-2255	183	8	131.5935	131.5935	NUM
asir-2255	183	9	1/2	1/2	NUM
asir-2255	183	10	(	(	PUNCT
asir-2255	183	11	ln	ln	NOUN
asir-2255	183	12	dp)²	dp)²	PROPN
asir-2255	183	13	222	222	NUM
asir-2255	183	14	85.4414	85.4414	NUM
asir-2255	183	15	20.0878	20.0878	NUM
asir-2255	183	16	36.8047	36.8047	NUM
asir-2255	183	17	129.8474	129.8474	NUM
asir-2255	183	18	ln	ln	NOUN
asir-2255	183	19	ln	ln	PROPN
asir-2255	183	20	ln	ln	NOUN
asir-2255	183	21	dp	dp	NOUN
asir-2255	183	22	222	222	NUM
asir-2255	183	23	164.3029	164.3029	NUM
asir-2255	183	24	41.4215	41.4215	NUM
asir-2255	183	25	63.0958	63.0958	NUM
asir-2255	183	26	261.4351	261.4351	NUM
asir-2255	183	27	ln	ln	NOUN
asir-2255	183	28	w	w	PROPN
asir-2255	183	29	ln	ln	PROPN
asir-2255	183	30	ln	ln	ADJ
asir-2255	183	31	222	222	NUM
asir-2255	183	32	41.8846	41.8846	NUM
asir-2255	183	33	10.0399	10.0399	NUM
asir-2255	183	34	15.2941	15.2941	NUM
asir-2255	183	35	68.9730	68.9730	NUM
asir-2255	184	1	ln	ln	ADJ
asir-2255	184	2	w	w	PROPN
asir-2255	184	3	ln	ln	ADJ
asir-2255	184	4	dp	dp	NOUN
asir-2255	184	5	222	222	NUM
asir-2255	184	6	43.7684	43.7684	NUM
asir-2255	184	7	10.4470	10.4470	NUM
asir-2255	184	8	14.2039	14.2039	NUM
asir-2255	184	9	74.5123	74.5123	NUM
asir-2255	184	10	t	t	PROPN
asir-2255	184	11	ln	ln	NOUN
asir-2255	184	12	w	w	PROPN
asir-2255	184	13	222	222	NUM
asir-2255	184	14	23.0004	23.0004	NUM
asir-2255	184	15	10.9713	10.9713	NUM
asir-2255	184	16	1.4005	1.4005	NUM
asir-2255	184	17	53.3174	53.3174	NUM
asir-2255	184	18	t	t	PROPN
asir-2255	184	19	ln	ln	NOUN
asir-2255	184	20	ln	ln	ADJ
asir-2255	184	21	222	222	NUM
asir-2255	184	22	91.5563	91.5563	NUM
asir-2255	184	23	51.7788	51.7788	NUM
asir-2255	184	24	7.4804	7.4804	NUM
asir-2255	184	25	194.6764	194.6764	NUM
asir-2255	184	26	t	t	NOUN
asir-2255	184	27	ln	ln	NOUN
asir-2255	184	28	dp	dp	NOUN
asir-2255	184	29	222	222	NUM
asir-2255	184	30	94.9057	94.9057	NUM
asir-2255	184	31	52.3931	52.3931	NUM
asir-2255	184	32	8.9828	8.9828	NUM
asir-2255	184	33	193.3806	193.3806	NUM
asir-2255	184	34	t	t	NOUN
asir-2255	184	35	222	222	NUM
asir-2255	184	36	7.0496	7.0496	NUM
asir-2255	184	37	3.5098	3.5098	NUM
asir-2255	184	38	1.0000	1.0000	NUM
asir-2255	184	39	12.0000	12.0000	NUM
asir-2255	184	40	1/2	1/2	NUM
asir-2255	184	41	t²	t²	NOUN
asir-2255	184	42	222	222	NUM
asir-2255	184	43	30.9797	30.9797	NUM
asir-2255	184	44	24.0817	24.0817	NUM
asir-2255	184	45	0.5000	0.5000	NUM
asir-2255	184	46	72.0000	72.0000	NUM
asir-2255	184	47	crd	crd	NOUN
asir-2255	184	48	222	222	NUM
asir-2255	184	49	0.1161	0.1161	NUM
asir-2255	184	50	0.1387	0.1387	NUM
asir-2255	184	51	0.0093	0.0093	NUM
asir-2255	184	52	0.8749	0.8749	NUM
asir-2255	184	53	cap	cap	NOUN
asir-2255	184	54	222	222	NUM
asir-2255	184	55	0.1159	0.1159	NUM
asir-2255	184	56	0.2861	0.2861	NUM
asir-2255	184	57	-0.3474	-0.3474	NOUN
asir-2255	184	58	1.8148	1.8148	NUM
asir-2255	184	59	liq	liq	NOUN
asir-2255	184	60	222	222	NUM
asir-2255	184	61	1.1130	1.1130	NUM
asir-2255	184	62	0.2177	0.2177	NUM
asir-2255	184	63	0.1898	0.1898	NUM
asir-2255	184	64	3.1620	3.1620	NUM
asir-2255	184	65	source	source	NOUN
asir-2255	184	66	:	:	PUNCT
asir-2255	184	67	bank	bank	PROPN
asir-2255	184	68	of	of	ADP
asir-2255	184	69	ghana	ghana	PROPN
asir-2255	184	70	(	(	PUNCT
asir-2255	184	71	bog	bog	NOUN
asir-2255	184	72	)	)	PUNCT
asir-2255	184	73	database	database	NOUN
asir-2255	184	74	.	.	PUNCT
asir-2255	184	75	table	table	NOUN
asir-2255	184	76	2	2	NUM
asir-2255	184	77	.	.	PUNCT
asir-2255	184	78	descriptive	descriptive	ADJ
asir-2255	184	79	statistics	statistic	NOUN
asir-2255	184	80	of	of	ADP
asir-2255	184	81	variables	variable	NOUN
asir-2255	184	82	used	use	VERB
asir-2255	184	83	in	in	ADP
asir-2255	184	84	bank	bank	NOUN
asir-2255	184	85	inefficiency	inefficiency	NOUN
asir-2255	184	86	correlates	correlate	VERB
asir-2255	184	87	for	for	ADP
asir-2255	184	88	the	the	DET
asir-2255	184	89	period	period	NOUN
asir-2255	184	90	1997	1997	NUM
asir-2255	184	91	-	-	SYM
asir-2255	184	92	2008	2008	NUM
asir-2255	184	93	variable	variable	ADJ
asir-2255	184	94	obs	obs	PROPN
asir-2255	184	95	.	.	PUNCT
asir-2255	185	1	mean	mean	VERB
asir-2255	185	2	std	std	PROPN
asir-2255	185	3	.	.	PROPN
asir-2255	186	1	dev	dev	PROPN
asir-2255	186	2	.	.	PUNCT
asir-2255	186	3	min	min	PROPN
asir-2255	186	4	.	.	PROPN
asir-2255	186	5	max	max	PROPN
asir-2255	186	6	.	.	PUNCT
asir-2255	187	1	exit	exit	NOUN
asir-2255	187	2	222	222	NUM
asir-2255	187	3	0.0180	0.0180	NUM
asir-2255	187	4	0.1333	0.1333	NUM
asir-2255	187	5	0.0000	0.0000	NUM
asir-2255	187	6	1.0000	1.0000	NUM
asir-2255	187	7	entry_for	entry_for	ADP
asir-2255	187	8	222	222	NUM
asir-2255	187	9	0.2703	0.2703	NUM
asir-2255	187	10	0.4451	0.4451	NUM
asir-2255	187	11	0.0000	0.0000	NUM
asir-2255	187	12	1.0000	1.0000	NUM
asir-2255	187	13	entry_dom	entry_dom	PROPN
asir-2255	187	14	222	222	NUM
asir-2255	187	15	0.3333	0.3333	NUM
asir-2255	187	16	0.4725	0.4725	NUM
asir-2255	187	17	0.0000	0.0000	NUM
asir-2255	187	18	1.0000	1.0000	NUM
asir-2255	187	19	static_for	static_for	ADP
asir-2255	187	20	222	222	NUM
asir-2255	187	21	0.1081	0.1081	NUM
asir-2255	187	22	0.3112	0.3112	NUM
asir-2255	187	23	0.0000	0.0000	NUM
asir-2255	187	24	1.0000	1.0000	NUM
asir-2255	187	25	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	187	26	applied	apply	VERB
asir-2255	187	27	science	science	NOUN
asir-2255	187	28	and	and	CCONJ
asir-2255	187	29	innovative	innovative	ADJ
asir-2255	187	30	research	research	NOUN
asir-2255	187	31	vol	vol	NOUN
asir-2255	187	32	.	.	PUNCT
asir-2255	188	1	3	3	NUM
asir-2255	188	2	,	,	PUNCT
asir-2255	188	3	no	no	INTJ
asir-2255	188	4	.	.	NOUN
asir-2255	188	5	3	3	NUM
asir-2255	188	6	,	,	PUNCT
asir-2255	188	7	2019	2019	NUM
asir-2255	188	8	200	200	NUM
asir-2255	188	9	published	publish	VERB
asir-2255	188	10	by	by	ADP
asir-2255	188	11	scholink	scholink	PROPN
asir-2255	188	12	inc	inc	PROPN
asir-2255	188	13	.	.	PROPN
asir-2255	188	14	static_dom	static_dom	PROPN
asir-2255	188	15	222	222	NUM
asir-2255	188	16	0.0541	0.0541	NUM
asir-2255	188	17	0.2266	0.2266	NUM
asir-2255	188	18	0.0000	0.0000	NUM
asir-2255	188	19	1.0000	1.0000	NUM
asir-2255	188	20	static_sta	static_sta	NUM
asir-2255	188	21	222	222	NUM
asir-2255	188	22	0.1622	0.1622	NUM
asir-2255	188	23	0.3694	0.3694	NUM
asir-2255	188	24	0.0000	0.0000	NUM
asir-2255	188	25	1.0000	1.0000	NUM
asir-2255	188	26	select_for	select_for	ADP
asir-2255	188	27	222	222	NUM
asir-2255	188	28	0.0541	0.0541	NUM
asir-2255	188	29	0.2266	0.2266	NUM
asir-2255	188	30	0.0000	0.0000	NUM
asir-2255	188	31	1.0000	1.0000	NUM
asir-2255	188	32	dynam_st	dynam_st	NOUN
asir-2255	188	33	222	222	NUM
asir-2255	188	34	0.0270	0.0270	NUM
asir-2255	188	35	0.1625	0.1625	NUM
asir-2255	188	36	0.0000	0.0000	NUM
asir-2255	188	37	1.0000	1.0000	NUM
asir-2255	188	38	dynam_lt	dynam_lt	X
asir-2255	188	39	222	222	NUM
asir-2255	188	40	0.0901	0.0901	NOUN
asir-2255	188	41	0.6317	0.6317	NUM
asir-2255	188	42	0.0000	0.0000	NUM
asir-2255	188	43	6.0000	6.0000	NUM
asir-2255	188	44	universal	universal	ADJ
asir-2255	188	45	222	222	NUM
asir-2255	188	46	0.5676	0.5676	NUM
asir-2255	188	47	0.4965	0.4965	NUM
asir-2255	188	48	0.0000	0.0000	NUM
asir-2255	188	49	1.0000	1.0000	NUM
asir-2255	188	50	logassets	logasset	NOUN
asir-2255	188	51	222	222	NUM
asir-2255	188	52	13.4419	13.4419	NUM
asir-2255	188	53	1.5678	1.5678	NUM
asir-2255	188	54	8.8352	8.8352	NUM
asir-2255	188	55	16.6113	16.6113	NUM
asir-2255	188	56	disrate	disrate	NOUN
asir-2255	188	57	222	222	NUM
asir-2255	188	58	23.5256	23.5256	NUM
asir-2255	188	59	9.8381	9.8381	NUM
asir-2255	188	60	12.7500	12.7500	NUM
asir-2255	188	61	45.0000	45.0000	NUM
asir-2255	188	62	inflaion	inflaion	NOUN
asir-2255	188	63	222	222	NUM
asir-2255	188	64	17.9315	17.9315	NUM
asir-2255	188	65	6.9548	6.9548	NUM
asir-2255	188	66	10.1510	10.1510	NUM
asir-2255	188	67	32.9060	32.9060	NUM
asir-2255	188	68	source	source	NOUN
asir-2255	188	69	:	:	PUNCT
asir-2255	188	70	bank	bank	PROPN
asir-2255	188	71	of	of	ADP
asir-2255	188	72	ghana	ghana	PROPN
asir-2255	188	73	(	(	PUNCT
asir-2255	188	74	bog	bog	NOUN
asir-2255	188	75	)	)	PUNCT
asir-2255	188	76	database	database	NOUN
asir-2255	188	77	.	.	PUNCT
asir-2255	189	1	imf	imf	PROPN
asir-2255	189	2	,	,	PUNCT
asir-2255	189	3	ifs	ifs	PROPN
asir-2255	189	4	/	/	SYM
asir-2255	189	5	weo	weo	PROPN
asir-2255	189	6	databases	database	NOUN
asir-2255	189	7	.	.	PUNCT
asir-2255	190	1	out	out	ADP
asir-2255	190	2	of	of	ADP
asir-2255	190	3	the	the	DET
asir-2255	190	4	28	28	NUM
asir-2255	190	5	banks	bank	NOUN
asir-2255	190	6	with	with	ADP
asir-2255	190	7	222	222	NUM
asir-2255	190	8	observations	observation	NOUN
asir-2255	190	9	in	in	ADP
asir-2255	190	10	the	the	DET
asir-2255	190	11	sample	sample	NOUN
asir-2255	190	12	,	,	PUNCT
asir-2255	190	13	21.43	21.43	NUM
asir-2255	190	14	%	%	NOUN
asir-2255	190	15	were	be	AUX
asir-2255	190	16	identified	identify	VERB
asir-2255	190	17	as	as	ADP
asir-2255	190	18	active	active	ADJ
asir-2255	190	19	without	without	ADP
asir-2255	190	20	experiencing	experience	VERB
asir-2255	190	21	any	any	DET
asir-2255	190	22	corporate	corporate	ADJ
asir-2255	190	23	ownership	ownership	NOUN
asir-2255	190	24	change	change	NOUN
asir-2255	190	25	.	.	PUNCT
asir-2255	191	1	of	of	ADP
asir-2255	191	2	these	these	DET
asir-2255	191	3	banks	bank	NOUN
asir-2255	191	4	,	,	PUNCT
asir-2255	191	5	7.14	7.14	NUM
asir-2255	191	6	%	%	NOUN
asir-2255	191	7	were	be	AUX
asir-2255	191	8	identified	identify	VERB
asir-2255	191	9	as	as	ADP
asir-2255	191	10	foreign	foreign	NOUN
asir-2255	191	11	-	-	PUNCT
asir-2255	191	12	owned	own	VERB
asir-2255	191	13	,	,	PUNCT
asir-2255	191	14	whereas	whereas	SCONJ
asir-2255	191	15	3.57	3.57	NUM
asir-2255	191	16	%	%	NOUN
asir-2255	191	17	and	and	CCONJ
asir-2255	191	18	10.71	10.71	NUM
asir-2255	191	19	%	%	NOUN
asir-2255	191	20	were	be	AUX
asir-2255	191	21	identified	identify	VERB
asir-2255	191	22	as	as	ADP
asir-2255	191	23	private	private	ADJ
asir-2255	191	24	domestic	domestic	ADJ
asir-2255	191	25	and	and	CCONJ
asir-2255	191	26	state	state	NOUN
asir-2255	191	27	-	-	PUNCT
asir-2255	191	28	owned	own	VERB
asir-2255	191	29	banks	bank	NOUN
asir-2255	191	30	,	,	PUNCT
asir-2255	191	31	respectively	respectively	ADV
asir-2255	191	32	.	.	PUNCT
asir-2255	192	1	the	the	DET
asir-2255	192	2	selection	selection	NOUN
asir-2255	192	3	governance	governance	NOUN
asir-2255	192	4	indicator	indicator	NOUN
asir-2255	192	5	employed	employ	VERB
asir-2255	192	6	in	in	ADP
asir-2255	192	7	this	this	DET
asir-2255	192	8	study	study	NOUN
asir-2255	192	9	identified	identify	VERB
asir-2255	192	10	only	only	ADV
asir-2255	192	11	one	one	NUM
asir-2255	192	12	type	type	NOUN
asir-2255	192	13	of	of	ADP
asir-2255	192	14	ownership	ownership	NOUN
asir-2255	192	15	change	change	NOUN
asir-2255	192	16	,	,	PUNCT
asir-2255	192	17	which	which	PRON
asir-2255	192	18	is	be	AUX
asir-2255	192	19	mainly	mainly	ADV
asir-2255	192	20	of	of	ADP
asir-2255	192	21	cross	cross	ADJ
asir-2255	192	22	-	-	ADJ
asir-2255	192	23	border	border	ADJ
asir-2255	192	24	merger	merger	NOUN
asir-2255	192	25	and	and	CCONJ
asir-2255	192	26	acquisition	acquisition	NOUN
asir-2255	192	27	.	.	PUNCT
asir-2255	193	1	the	the	DET
asir-2255	193	2	financial	financial	ADJ
asir-2255	193	3	sector	sector	NOUN
asir-2255	193	4	reform	reform	NOUN
asir-2255	193	5	process	process	NOUN
asir-2255	193	6	has	have	AUX
asir-2255	193	7	led	lead	VERB
asir-2255	193	8	to	to	ADP
asir-2255	193	9	a	a	DET
asir-2255	193	10	substantial	substantial	ADJ
asir-2255	193	11	increase	increase	NOUN
asir-2255	193	12	in	in	ADP
asir-2255	193	13	bank	bank	NOUN
asir-2255	193	14	entry	entry	NOUN
asir-2255	193	15	.	.	PUNCT
asir-2255	194	1	the	the	DET
asir-2255	194	2	entry	entry	NOUN
asir-2255	194	3	governance	governance	NOUN
asir-2255	194	4	indicators	indicator	NOUN
asir-2255	194	5	show	show	VERB
asir-2255	194	6	two	two	NUM
asir-2255	194	7	types	type	NOUN
asir-2255	194	8	of	of	ADP
asir-2255	194	9	change	change	NOUN
asir-2255	194	10	in	in	ADP
asir-2255	194	11	this	this	DET
asir-2255	194	12	study	study	NOUN
asir-2255	194	13	.	.	PUNCT
asir-2255	195	1	the	the	DET
asir-2255	195	2	number	number	NOUN
asir-2255	195	3	of	of	ADP
asir-2255	195	4	banks	bank	NOUN
asir-2255	195	5	identified	identify	VERB
asir-2255	195	6	as	as	ADP
asir-2255	195	7	new	new	ADJ
asir-2255	195	8	foreign	foreign	ADJ
asir-2255	195	9	entrants	entrant	NOUN
asir-2255	195	10	constitutes	constitute	VERB
asir-2255	195	11	39.29	39.29	NUM
asir-2255	195	12	%	%	NOUN
asir-2255	195	13	of	of	ADP
asir-2255	195	14	the	the	DET
asir-2255	195	15	sample	sample	NOUN
asir-2255	195	16	,	,	PUNCT
asir-2255	195	17	whereas	whereas	SCONJ
asir-2255	195	18	new	new	ADJ
asir-2255	195	19	private	private	ADJ
asir-2255	195	20	domestic	domestic	ADJ
asir-2255	195	21	entrants	entrant	NOUN
asir-2255	195	22	account	account	VERB
asir-2255	195	23	for	for	ADP
asir-2255	195	24	28.57	28.57	NUM
asir-2255	195	25	%	%	NOUN
asir-2255	195	26	of	of	ADP
asir-2255	195	27	the	the	DET
asir-2255	195	28	total	total	NOUN
asir-2255	195	29	.	.	PUNCT
asir-2255	196	1	overall	overall	ADV
asir-2255	196	2	,	,	PUNCT
asir-2255	196	3	67.86	67.86	NUM
asir-2255	196	4	%	%	NOUN
asir-2255	196	5	of	of	ADP
asir-2255	196	6	the	the	DET
asir-2255	196	7	sample	sample	NOUN
asir-2255	196	8	are	be	AUX
asir-2255	196	9	classified	classify	VERB
asir-2255	196	10	as	as	ADP
asir-2255	196	11	new	new	ADJ
asir-2255	196	12	entrants	entrant	NOUN
asir-2255	196	13	.	.	PUNCT
asir-2255	197	1	two	two	NUM
asir-2255	197	2	state	state	NOUN
asir-2255	197	3	-	-	PUNCT
asir-2255	197	4	owned	own	VERB
asir-2255	197	5	banks	bank	NOUN
asir-2255	197	6	were	be	AUX
asir-2255	197	7	closed	close	VERB
asir-2255	197	8	by	by	ADP
asir-2255	197	9	means	mean	NOUN
asir-2255	197	10	of	of	ADP
asir-2255	197	11	liquidation	liquidation	NOUN
asir-2255	197	12	.	.	PUNCT
asir-2255	198	1	4	4	X
asir-2255	198	2	.	.	X
asir-2255	198	3	empirical	empirical	ADJ
asir-2255	198	4	results	result	NOUN
asir-2255	198	5	cost	cost	VERB
asir-2255	198	6	efficiency	efficiency	NOUN
asir-2255	198	7	frontier	frontier	NOUN
asir-2255	198	8	and	and	CCONJ
asir-2255	198	9	bank	bank	NOUN
asir-2255	198	10	inefficiency	inefficiency	NOUN
asir-2255	198	11	correlates	correlate	NOUN
asir-2255	198	12	were	be	AUX
asir-2255	198	13	estimated	estimate	VERB
asir-2255	198	14	on	on	ADP
asir-2255	198	15	a	a	DET
asir-2255	198	16	panel	panel	NOUN
asir-2255	198	17	of	of	ADP
asir-2255	198	18	unbalanced	unbalanced	ADJ
asir-2255	198	19	sample	sample	NOUN
asir-2255	198	20	.	.	PUNCT
asir-2255	199	1	the	the	DET
asir-2255	199	2	results	result	NOUN
asir-2255	199	3	show	show	VERB
asir-2255	199	4	a	a	DET
asir-2255	199	5	number	number	NOUN
asir-2255	199	6	of	of	ADP
asir-2255	199	7	relevant	relevant	ADJ
asir-2255	199	8	implications	implication	NOUN
asir-2255	199	9	of	of	ADP
asir-2255	199	10	the	the	DET
asir-2255	199	11	cost	cost	NOUN
asir-2255	199	12	function	function	NOUN
asir-2255	199	13	of	of	ADP
asir-2255	199	14	ghanaian	ghanaian	ADJ
asir-2255	199	15	banks	bank	NOUN
asir-2255	199	16	and	and	CCONJ
asir-2255	199	17	their	their	PRON
asir-2255	199	18	correlates	correlate	NOUN
asir-2255	199	19	with	with	ADP
asir-2255	199	20	inefficiency	inefficiency	NOUN
asir-2255	199	21	.	.	PUNCT
asir-2255	200	1	tables	table	NOUN
asir-2255	200	2	3	3	NUM
asir-2255	200	3	to	to	PART
asir-2255	200	4	5	5	NUM
asir-2255	200	5	report	report	VERB
asir-2255	200	6	the	the	DET
asir-2255	200	7	results	result	NOUN
asir-2255	200	8	of	of	ADP
asir-2255	200	9	the	the	DET
asir-2255	200	10	estimates	estimate	NOUN
asir-2255	200	11	.	.	PUNCT
asir-2255	201	1	robustness	robustness	NOUN
asir-2255	201	2	analysis	analysis	NOUN
asir-2255	201	3	are	be	AUX
asir-2255	201	4	also	also	ADV
asir-2255	201	5	conducted	conduct	VERB
asir-2255	201	6	on	on	ADP
asir-2255	201	7	the	the	DET
asir-2255	201	8	main	main	ADJ
asir-2255	201	9	findings	finding	NOUN
asir-2255	201	10	,	,	PUNCT
asir-2255	201	11	and	and	CCONJ
asir-2255	201	12	the	the	DET
asir-2255	201	13	results	result	NOUN
asir-2255	201	14	are	be	AUX
asir-2255	201	15	unaffected	unaffected	ADJ
asir-2255	201	16	.	.	PUNCT
asir-2255	202	1	table	table	NOUN
asir-2255	202	2	a.1	a.1	PROPN
asir-2255	202	3	in	in	ADP
asir-2255	202	4	appendix	appendix	ADJ
asir-2255	202	5	reports	report	VERB
asir-2255	202	6	the	the	DET
asir-2255	202	7	results	result	NOUN
asir-2255	202	8	of	of	ADP
asir-2255	202	9	the	the	DET
asir-2255	202	10	robust	robust	ADJ
asir-2255	202	11	estimates	estimate	NOUN
asir-2255	202	12	.	.	PUNCT
asir-2255	203	1	4.1	4.1	NUM
asir-2255	203	2	average	average	ADJ
asir-2255	203	3	cost	cost	NOUN
asir-2255	203	4	efficiencies	efficiency	NOUN
asir-2255	203	5	tables	table	NOUN
asir-2255	203	6	3	3	NUM
asir-2255	203	7	and	and	CCONJ
asir-2255	203	8	4	4	NUM
asir-2255	203	9	report	report	VERB
asir-2255	203	10	the	the	DET
asir-2255	203	11	average	average	ADJ
asir-2255	203	12	measured	measured	ADJ
asir-2255	203	13	bank	bank	NOUN
asir-2255	203	14	efficiency	efficiency	NOUN
asir-2255	203	15	scores	score	NOUN
asir-2255	203	16	by	by	ADP
asir-2255	203	17	year	year	NOUN
asir-2255	203	18	at	at	ADP
asir-2255	203	19	the	the	DET
asir-2255	203	20	sample	sample	NOUN
asir-2255	203	21	means	mean	VERB
asir-2255	203	22	for	for	ADP
asir-2255	203	23	banks	bank	NOUN
asir-2255	203	24	classified	classify	VERB
asir-2255	203	25	by	by	ADP
asir-2255	203	26	size	size	NOUN
asir-2255	203	27	,	,	PUNCT
asir-2255	203	28	and	and	CCONJ
asir-2255	203	29	by	by	ADP
asir-2255	203	30	ownership	ownership	NOUN
asir-2255	203	31	status	status	NOUN
asir-2255	203	32	,	,	PUNCT
asir-2255	203	33	respectively	respectively	ADV
asir-2255	203	34	.	.	PUNCT
asir-2255	204	1	the	the	DET
asir-2255	204	2	efficiency	efficiency	NOUN
asir-2255	204	3	estimates	estimate	NOUN
asir-2255	204	4	take	take	VERB
asir-2255	204	5	a	a	DET
asir-2255	204	6	maximum	maximum	ADJ
asir-2255	204	7	value	value	NOUN
asir-2255	204	8	of	of	ADP
asir-2255	204	9	1	1	NUM
asir-2255	204	10	,	,	PUNCT
asir-2255	204	11	indicating	indicate	VERB
asir-2255	204	12	the	the	DET
asir-2255	204	13	best	good	ADJ
asir-2255	204	14	practice	practice	NOUN
asir-2255	204	15	bank	bank	NOUN
asir-2255	204	16	in	in	ADP
asir-2255	204	17	the	the	DET
asir-2255	204	18	sample	sample	NOUN
asir-2255	204	19	;	;	PUNCT
asir-2255	204	20	and	and	CCONJ
asir-2255	204	21	a	a	DET
asir-2255	204	22	minimum	minimum	ADJ
asir-2255	204	23	value	value	NOUN
asir-2255	204	24	of	of	ADP
asir-2255	204	25	0	0	NUM
asir-2255	204	26	,	,	PUNCT
asir-2255	204	27	corresponding	correspond	VERB
asir-2255	204	28	to	to	ADP
asir-2255	204	29	the	the	DET
asir-2255	204	30	most	most	ADV
asir-2255	204	31	inefficient	inefficient	ADJ
asir-2255	204	32	bank	bank	NOUN
asir-2255	204	33	.	.	PUNCT
asir-2255	205	1	the	the	DET
asir-2255	205	2	results	result	NOUN
asir-2255	205	3	in	in	ADP
asir-2255	205	4	table	table	NOUN
asir-2255	205	5	3	3	NUM
asir-2255	205	6	are	be	AUX
asir-2255	205	7	reported	report	VERB
asir-2255	205	8	by	by	ADP
asir-2255	205	9	bank	bank	NOUN
asir-2255	205	10	size	size	NOUN
asir-2255	205	11	and	and	CCONJ
asir-2255	205	12	year	year	NOUN
asir-2255	205	13	.	.	PUNCT
asir-2255	206	1	there	there	PRON
asir-2255	206	2	appear	appear	VERB
asir-2255	206	3	to	to	PART
asir-2255	206	4	be	be	AUX
asir-2255	206	5	fluctuations	fluctuation	NOUN
asir-2255	206	6	in	in	ADP
asir-2255	206	7	the	the	DET
asir-2255	206	8	mean	mean	ADJ
asir-2255	206	9	efficiency	efficiency	NOUN
asir-2255	206	10	scores	score	NOUN
asir-2255	206	11	in	in	ADP
asir-2255	206	12	the	the	DET
asir-2255	206	13	entire	entire	ADJ
asir-2255	206	14	banking	banking	NOUN
asir-2255	206	15	industry	industry	NOUN
asir-2255	206	16	.	.	PUNCT
asir-2255	207	1	apart	apart	ADV
asir-2255	207	2	from	from	ADP
asir-2255	207	3	the	the	DET
asir-2255	207	4	mean	mean	ADJ
asir-2255	207	5	efficiency	efficiency	NOUN
asir-2255	207	6	score	score	NOUN
asir-2255	207	7	for	for	ADP
asir-2255	207	8	large	large	ADJ
asir-2255	207	9	banks	bank	NOUN
asir-2255	207	10	which	which	PRON
asir-2255	207	11	fell	fall	VERB
asir-2255	207	12	marginally	marginally	ADV
asir-2255	207	13	from	from	ADP
asir-2255	207	14	87.44	87.44	NUM
asir-2255	207	15	%	%	NOUN
asir-2255	207	16	in	in	ADP
asir-2255	207	17	1997	1997	NUM
asir-2255	207	18	to	to	ADP
asir-2255	207	19	86.09	86.09	NUM
asir-2255	207	20	%	%	NOUN
asir-2255	207	21	in	in	ADP
asir-2255	207	22	2008	2008	NUM
asir-2255	207	23	,	,	PUNCT
asir-2255	207	24	all	all	DET
asir-2255	207	25	the	the	DET
asir-2255	207	26	other	other	ADJ
asir-2255	207	27	banks	bank	NOUN
asir-2255	207	28	classified	classify	VERB
asir-2255	207	29	according	accord	VERB
asir-2255	207	30	to	to	ADP
asir-2255	207	31	sizes	size	NOUN
asir-2255	207	32	managed	manage	VERB
asir-2255	207	33	to	to	PART
asir-2255	207	34	improve	improve	VERB
asir-2255	207	35	their	their	PRON
asir-2255	207	36	mean	mean	ADJ
asir-2255	207	37	efficiency	efficiency	NOUN
asir-2255	207	38	scores	score	NOUN
asir-2255	207	39	over	over	ADP
asir-2255	207	40	the	the	DET
asir-2255	207	41	same	same	ADJ
asir-2255	207	42	period	period	NOUN
asir-2255	207	43	.	.	PUNCT
asir-2255	208	1	on	on	ADP
asir-2255	208	2	average	average	ADJ
asir-2255	208	3	,	,	PUNCT
asir-2255	208	4	large	large	ADJ
asir-2255	208	5	and	and	CCONJ
asir-2255	208	6	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	208	7	applied	apply	VERB
asir-2255	208	8	science	science	NOUN
asir-2255	208	9	and	and	CCONJ
asir-2255	208	10	innovative	innovative	ADJ
asir-2255	208	11	research	research	NOUN
asir-2255	208	12	vol	vol	NOUN
asir-2255	208	13	.	.	PUNCT
asir-2255	209	1	3	3	NUM
asir-2255	209	2	,	,	PUNCT
asir-2255	209	3	no	no	INTJ
asir-2255	209	4	.	.	NOUN
asir-2255	209	5	3	3	NUM
asir-2255	209	6	,	,	PUNCT
asir-2255	209	7	2019	2019	NUM
asir-2255	209	8	201	201	NUM
asir-2255	209	9	published	publish	VERB
asir-2255	209	10	by	by	ADP
asir-2255	209	11	scholink	scholink	PROPN
asir-2255	209	12	inc	inc	PROPN
asir-2255	209	13	.	.	PROPN
asir-2255	210	1	medium	medium	ADJ
asir-2255	210	2	banks	bank	NOUN
asir-2255	210	3	appear	appear	VERB
asir-2255	210	4	to	to	PART
asir-2255	210	5	be	be	AUX
asir-2255	210	6	more	more	ADJ
asir-2255	210	7	cost	cost	NOUN
asir-2255	210	8	efficient	efficient	ADJ
asir-2255	210	9	than	than	ADP
asir-2255	210	10	small	small	ADJ
asir-2255	210	11	banks	bank	NOUN
asir-2255	210	12	.	.	PUNCT
asir-2255	211	1	overall	overall	ADV
asir-2255	211	2	,	,	PUNCT
asir-2255	211	3	the	the	DET
asir-2255	211	4	results	result	NOUN
asir-2255	211	5	suggest	suggest	VERB
asir-2255	211	6	a	a	DET
asir-2255	211	7	mean	mean	ADJ
asir-2255	211	8	efficiency	efficiency	NOUN
asir-2255	211	9	score	score	NOUN
asir-2255	211	10	of	of	ADP
asir-2255	211	11	0.7553	0.7553	NUM
asir-2255	211	12	for	for	ADP
asir-2255	211	13	the	the	DET
asir-2255	211	14	full	full	ADJ
asir-2255	211	15	sample	sample	NOUN
asir-2255	211	16	.	.	PUNCT
asir-2255	212	1	this	this	PRON
asir-2255	212	2	suggests	suggest	VERB
asir-2255	212	3	that	that	SCONJ
asir-2255	212	4	,	,	PUNCT
asir-2255	212	5	when	when	SCONJ
asir-2255	212	6	evaluated	evaluate	VERB
asir-2255	212	7	at	at	ADP
asir-2255	212	8	the	the	DET
asir-2255	212	9	sample	sample	NOUN
asir-2255	212	10	mean	mean	NOUN
asir-2255	212	11	data	datum	NOUN
asir-2255	212	12	point	point	NOUN
asir-2255	212	13	,	,	PUNCT
asir-2255	212	14	the	the	DET
asir-2255	212	15	average	average	ADJ
asir-2255	212	16	bank	bank	NOUN
asir-2255	212	17	is	be	AUX
asir-2255	212	18	75.53	75.53	NUM
asir-2255	212	19	%	%	NOUN
asir-2255	212	20	efficient	efficient	ADJ
asir-2255	212	21	,	,	PUNCT
asir-2255	212	22	or	or	CCONJ
asir-2255	212	23	equivalently	equivalently	ADV
asir-2255	212	24	incurs	incur	VERB
asir-2255	212	25	24.47	24.47	NUM
asir-2255	212	26	%	%	NOUN
asir-2255	212	27	higher	high	ADJ
asir-2255	212	28	costs	cost	NOUN
asir-2255	212	29	than	than	ADP
asir-2255	212	30	the	the	DET
asir-2255	212	31	best	good	ADJ
asir-2255	212	32	practice	practice	NOUN
asir-2255	212	33	bank	bank	NOUN
asir-2255	212	34	facing	face	VERB
asir-2255	212	35	the	the	DET
asir-2255	212	36	same	same	ADJ
asir-2255	212	37	conditions	condition	NOUN
asir-2255	212	38	.	.	PUNCT
asir-2255	213	1	on	on	ADP
asir-2255	213	2	economic	economic	ADJ
asir-2255	213	3	grounds	ground	NOUN
asir-2255	213	4	,	,	PUNCT
asir-2255	213	5	the	the	DET
asir-2255	213	6	mean	mean	NOUN
asir-2255	213	7	cost	cost	NOUN
asir-2255	213	8	inefficiency	inefficiency	NOUN
asir-2255	213	9	level	level	NOUN
asir-2255	213	10	suggests	suggest	VERB
asir-2255	213	11	that	that	SCONJ
asir-2255	213	12	,	,	PUNCT
asir-2255	213	13	given	give	VERB
asir-2255	213	14	their	their	PRON
asir-2255	213	15	output	output	NOUN
asir-2255	213	16	level	level	NOUN
asir-2255	213	17	and	and	CCONJ
asir-2255	213	18	mix	mix	NOUN
asir-2255	213	19	,	,	PUNCT
asir-2255	213	20	the	the	DET
asir-2255	213	21	average	average	ADJ
asir-2255	213	22	ghanaian	ghanaian	ADJ
asir-2255	213	23	bank	bank	NOUN
asir-2255	213	24	needs	need	VERB
asir-2255	213	25	to	to	PART
asir-2255	213	26	reduce	reduce	VERB
asir-2255	213	27	its	its	PRON
asir-2255	213	28	production	production	NOUN
asir-2255	213	29	costs	cost	NOUN
asir-2255	213	30	by	by	ADP
asir-2255	213	31	24.5	24.5	NUM
asir-2255	213	32	%	%	NOUN
asir-2255	213	33	in	in	ADP
asir-2255	213	34	order	order	NOUN
asir-2255	213	35	to	to	PART
asir-2255	213	36	use	use	VERB
asir-2255	213	37	its	its	PRON
asir-2255	213	38	inputs	input	NOUN
asir-2255	213	39	as	as	ADV
asir-2255	213	40	efficiently	efficiently	ADV
asir-2255	213	41	as	as	ADP
asir-2255	213	42	the	the	DET
asir-2255	213	43	most	most	ADV
asir-2255	213	44	efficient	efficient	ADJ
asir-2255	213	45	ghanaian	ghanaian	ADJ
asir-2255	213	46	bank	bank	NOUN
asir-2255	213	47	.	.	PUNCT
asir-2255	214	1	this	this	DET
asir-2255	214	2	finding	finding	NOUN
asir-2255	214	3	is	be	AUX
asir-2255	214	4	interpreted	interpret	VERB
asir-2255	214	5	as	as	ADP
asir-2255	214	6	evidence	evidence	NOUN
asir-2255	214	7	of	of	ADP
asir-2255	214	8	only	only	ADV
asir-2255	214	9	limited	limited	ADJ
asir-2255	214	10	gains	gain	NOUN
asir-2255	214	11	in	in	ADP
asir-2255	214	12	managerial	managerial	ADJ
asir-2255	214	13	efficiency	efficiency	NOUN
asir-2255	214	14	having	having	AUX
asir-2255	214	15	arisen	arise	VERB
asir-2255	214	16	from	from	ADP
asir-2255	214	17	financial	financial	ADJ
asir-2255	214	18	liberalisation	liberalisation	NOUN
asir-2255	214	19	.	.	PUNCT
asir-2255	215	1	the	the	DET
asir-2255	215	2	results	result	NOUN
asir-2255	215	3	in	in	ADP
asir-2255	215	4	table	table	NOUN
asir-2255	215	5	4	4	NUM
asir-2255	215	6	are	be	AUX
asir-2255	215	7	reported	report	VERB
asir-2255	215	8	by	by	ADP
asir-2255	215	9	governance	governance	NOUN
asir-2255	215	10	indicators	indicator	NOUN
asir-2255	215	11	and	and	CCONJ
asir-2255	215	12	year	year	NOUN
asir-2255	215	13	.	.	PUNCT
asir-2255	216	1	apart	apart	ADV
asir-2255	216	2	from	from	ADP
asir-2255	216	3	the	the	DET
asir-2255	216	4	mean	mean	ADJ
asir-2255	216	5	efficiency	efficiency	NOUN
asir-2255	216	6	score	score	NOUN
asir-2255	216	7	for	for	ADP
asir-2255	216	8	foreign	foreign	ADJ
asir-2255	216	9	banks	bank	NOUN
asir-2255	216	10	,	,	PUNCT
asir-2255	216	11	static_for	static_for	PROPN
asir-2255	216	12	,	,	PUNCT
asir-2255	216	13	which	which	PRON
asir-2255	216	14	fell	fall	VERB
asir-2255	216	15	marginally	marginally	ADV
asir-2255	216	16	from	from	ADP
asir-2255	216	17	91.85	91.85	NUM
asir-2255	216	18	%	%	NOUN
asir-2255	216	19	in	in	ADP
asir-2255	216	20	1997	1997	NUM
asir-2255	216	21	to	to	ADP
asir-2255	216	22	90.22	90.22	NUM
asir-2255	216	23	%	%	NOUN
asir-2255	216	24	in	in	ADP
asir-2255	216	25	2008	2008	NUM
asir-2255	216	26	,	,	PUNCT
asir-2255	216	27	all	all	DET
asir-2255	216	28	the	the	DET
asir-2255	216	29	other	other	ADJ
asir-2255	216	30	banks	bank	NOUN
asir-2255	216	31	classified	classify	VERB
asir-2255	216	32	by	by	ADP
asir-2255	216	33	governance	governance	NOUN
asir-2255	216	34	indicators	indicator	NOUN
asir-2255	216	35	appear	appear	VERB
asir-2255	216	36	to	to	PART
asir-2255	216	37	have	have	AUX
asir-2255	216	38	improved	improve	VERB
asir-2255	216	39	their	their	PRON
asir-2255	216	40	mean	mean	ADJ
asir-2255	216	41	efficiency	efficiency	NOUN
asir-2255	216	42	scores	score	NOUN
asir-2255	216	43	over	over	ADP
asir-2255	216	44	the	the	DET
asir-2255	216	45	same	same	ADJ
asir-2255	216	46	period	period	NOUN
asir-2255	216	47	.	.	PUNCT
asir-2255	217	1	on	on	ADP
asir-2255	217	2	average	average	ADJ
asir-2255	217	3	,	,	PUNCT
asir-2255	217	4	the	the	DET
asir-2255	217	5	only	only	ADJ
asir-2255	217	6	bank	bank	NOUN
asir-2255	217	7	selected	select	VERB
asir-2255	217	8	for	for	ADP
asir-2255	217	9	cross	cross	ADJ
asir-2255	217	10	-	-	ADJ
asir-2255	217	11	border	border	ADJ
asir-2255	217	12	merger	merger	NOUN
asir-2255	217	13	and	and	CCONJ
asir-2255	217	14	acquisition	acquisition	NOUN
asir-2255	217	15	,	,	PUNCT
asir-2255	217	16	select_for	select_for	ADP
asir-2255	217	17	,	,	PUNCT
asir-2255	217	18	seems	seem	VERB
asir-2255	217	19	to	to	PART
asir-2255	217	20	be	be	AUX
asir-2255	217	21	more	more	ADJ
asir-2255	217	22	cost	cost	NOUN
asir-2255	217	23	efficient	efficient	ADJ
asir-2255	217	24	than	than	ADP
asir-2255	217	25	banks	bank	NOUN
asir-2255	217	26	classified	classify	VERB
asir-2255	217	27	according	accord	VERB
asir-2255	217	28	to	to	ADP
asir-2255	217	29	any	any	PRON
asir-2255	217	30	of	of	ADP
asir-2255	217	31	the	the	DET
asir-2255	217	32	governance	governance	NOUN
asir-2255	217	33	indicators	indicator	NOUN
asir-2255	217	34	.	.	PUNCT
asir-2255	218	1	this	this	PRON
asir-2255	218	2	is	be	AUX
asir-2255	218	3	followed	follow	VERB
asir-2255	218	4	by	by	ADP
asir-2255	218	5	foreign	foreign	ADJ
asir-2255	218	6	banks	bank	NOUN
asir-2255	218	7	,	,	PUNCT
asir-2255	218	8	static_for	static_for	PROPN
asir-2255	218	9	,	,	PUNCT
asir-2255	218	10	and	and	CCONJ
asir-2255	218	11	state	state	NOUN
asir-2255	218	12	-	-	PUNCT
asir-2255	218	13	owned	own	VERB
asir-2255	218	14	banks	bank	NOUN
asir-2255	218	15	,	,	PUNCT
asir-2255	218	16	static_sta	static_sta	NUM
asir-2255	218	17	.	.	PUNCT
asir-2255	219	1	both	both	CCONJ
asir-2255	219	2	new	new	ADJ
asir-2255	219	3	and	and	CCONJ
asir-2255	219	4	established	establish	VERB
asir-2255	219	5	private	private	ADJ
asir-2255	219	6	domestic	domestic	ADJ
asir-2255	219	7	banks	bank	NOUN
asir-2255	219	8	,	,	PUNCT
asir-2255	219	9	entry_dom	entry_dom	PROPN
asir-2255	219	10	and	and	CCONJ
asir-2255	219	11	static_dom	static_dom	PROPN
asir-2255	219	12	,	,	PUNCT
asir-2255	219	13	exhibit	exhibit	VERB
asir-2255	219	14	the	the	DET
asir-2255	219	15	lowest	low	ADJ
asir-2255	219	16	average	average	ADJ
asir-2255	219	17	cost	cost	NOUN
asir-2255	219	18	efficiency	efficiency	NOUN
asir-2255	219	19	measures	measure	NOUN
asir-2255	219	20	.	.	PUNCT
asir-2255	220	1	new	new	ADJ
asir-2255	220	2	foreign	foreign	ADJ
asir-2255	220	3	banks	bank	NOUN
asir-2255	220	4	,	,	PUNCT
asir-2255	220	5	entry_for	entry_for	ADV
asir-2255	220	6	,	,	PUNCT
asir-2255	220	7	also	also	ADV
asir-2255	220	8	appear	appear	VERB
asir-2255	220	9	to	to	PART
asir-2255	220	10	be	be	AUX
asir-2255	220	11	better	well	ADJ
asir-2255	220	12	at	at	ADP
asir-2255	220	13	managing	manage	VERB
asir-2255	220	14	their	their	PRON
asir-2255	220	15	costs	cost	NOUN
asir-2255	220	16	than	than	ADP
asir-2255	220	17	private	private	ADJ
asir-2255	220	18	domestic	domestic	ADJ
asir-2255	220	19	institutions	institution	NOUN
asir-2255	220	20	.	.	PUNCT
asir-2255	221	1	table	table	NOUN
asir-2255	221	2	3	3	NUM
asir-2255	221	3	.	.	PUNCT
asir-2255	221	4	efficiency	efficiency	NOUN
asir-2255	221	5	scores	score	NOUN
asir-2255	221	6	by	by	ADP
asir-2255	221	7	bank	bank	NOUN
asir-2255	221	8	size	size	NOUN
asir-2255	221	9	and	and	CCONJ
asir-2255	221	10	year	year	NOUN
asir-2255	221	11	,	,	PUNCT
asir-2255	221	12	1997	1997	NUM
asir-2255	221	13	-	-	SYM
asir-2255	221	14	2008	2008	NUM
asir-2255	221	15	period	period	NOUN
asir-2255	221	16	large	large	ADJ
asir-2255	221	17	banks	bank	NOUN
asir-2255	221	18	medium	medium	ADJ
asir-2255	221	19	banks	bank	NOUN
asir-2255	221	20	small	small	ADJ
asir-2255	221	21	banks	bank	NOUN
asir-2255	221	22	full	full	ADJ
asir-2255	221	23	sample	sample	NOUN
asir-2255	221	24	1997	1997	NUM
asir-2255	221	25	0.8744	0.8744	NUM
asir-2255	221	26	0.7644	0.7644	NUM
asir-2255	221	27	0.6249	0.6249	NUM
asir-2255	221	28	0.7311	0.7311	NUM
asir-2255	221	29	1998	1998	NUM
asir-2255	221	30	0.8703	0.8703	NUM
asir-2255	221	31	0.9006	0.9006	NUM
asir-2255	221	32	0.6281	0.6281	NUM
asir-2255	221	33	0.7387	0.7387	NUM
asir-2255	221	34	1999	1999	NUM
asir-2255	221	35	0.8744	0.8744	NUM
asir-2255	221	36	0.7471	0.7471	NUM
asir-2255	221	37	0.6452	0.6452	NUM
asir-2255	221	38	0.7461	0.7461	NUM
asir-2255	221	39	2000	2000	NUM
asir-2255	221	40	0.8630	0.8630	NUM
asir-2255	221	41	0.9231	0.9231	NUM
asir-2255	221	42	0.6686	0.6686	NUM
asir-2255	221	43	0.7528	0.7528	NUM
asir-2255	221	44	2001	2001	NUM
asir-2255	221	45	0.8674	0.8674	NUM
asir-2255	221	46	0.9301	0.9301	NUM
asir-2255	221	47	0.6829	0.6829	NUM
asir-2255	221	48	0.7583	0.7583	NUM
asir-2255	221	49	2002	2002	NUM
asir-2255	221	50	0.8774	0.8774	NUM
asir-2255	221	51	0.9083	0.9083	NUM
asir-2255	221	52	0.6919	0.6919	NUM
asir-2255	221	53	0.7654	0.7654	NUM
asir-2255	221	54	2003	2003	NUM
asir-2255	221	55	0.8757	0.8757	NOUN
asir-2255	221	56	0.9398	0.9398	NUM
asir-2255	221	57	0.6891	0.6891	NUM
asir-2255	221	58	0.7605	0.7605	NUM
asir-2255	221	59	2004	2004	NUM
asir-2255	221	60	0.8850	0.8850	NUM
asir-2255	222	1	0.9180	0.9180	NUM
asir-2255	222	2	0.6981	0.6981	NUM
asir-2255	222	3	0.7675	0.7675	NUM
asir-2255	222	4	2005	2005	NUM
asir-2255	222	5	0.8451	0.8451	NUM
asir-2255	222	6	0.8022	0.8022	NUM
asir-2255	222	7	0.6703	0.6703	NUM
asir-2255	222	8	0.7391	0.7391	NUM
asir-2255	222	9	2006	2006	NUM
asir-2255	222	10	0.8501	0.8501	NUM
asir-2255	222	11	0.8103	0.8103	NUM
asir-2255	222	12	0.7250	0.7250	NUM
asir-2255	222	13	0.7633	0.7633	NUM
asir-2255	222	14	2007	2007	NUM
asir-2255	222	15	0.8549	0.8549	NUM
asir-2255	222	16	0.8306	0.8306	NUM
asir-2255	222	17	0.7269	0.7269	NUM
asir-2255	222	18	0.7651	0.7651	NUM
asir-2255	222	19	2008	2008	NUM
asir-2255	222	20	0.8609	0.8609	NUM
asir-2255	222	21	0.8624	0.8624	NUM
asir-2255	222	22	0.7510	0.7510	NUM
asir-2255	222	23	0.7754	0.7754	NUM
asir-2255	222	24	average	average	ADJ
asir-2255	222	25	0.8666	0.8666	NUM
asir-2255	222	26	0.8614	0.8614	NUM
asir-2255	222	27	0.6835	0.6835	NUM
asir-2255	222	28	0.7553	0.7553	NUM
asir-2255	222	29	note	note	NOUN
asir-2255	222	30	.	.	PUNCT
asir-2255	223	1	large	large	ADJ
asir-2255	223	2	banks	bank	NOUN
asir-2255	223	3	:	:	PUNCT
asir-2255	223	4	assets	asset	NOUN
asir-2255	223	5	>	>	X
asir-2255	223	6	10	10	NUM
asir-2255	223	7	%	%	NOUN
asir-2255	223	8	of	of	ADP
asir-2255	223	9	industry	industry	NOUN
asir-2255	223	10	total	total	ADJ
asir-2255	223	11	assets	asset	NOUN
asir-2255	223	12	.	.	PUNCT
asir-2255	224	1	medium	medium	ADJ
asir-2255	224	2	banks	bank	NOUN
asir-2255	224	3	:	:	PUNCT
asir-2255	224	4	10	10	NUM
asir-2255	224	5	%	%	NOUN
asir-2255	224	6	>	>	X
asir-2255	224	7	assets	asset	NOUN
asir-2255	224	8	>	>	X
asir-2255	224	9	5	5	NUM
asir-2255	224	10	%	%	NOUN
asir-2255	224	11	of	of	ADP
asir-2255	224	12	industry	industry	NOUN
asir-2255	224	13	total	total	ADJ
asir-2255	224	14	assets	asset	NOUN
asir-2255	224	15	.	.	PUNCT
asir-2255	225	1	small	small	ADJ
asir-2255	225	2	banks	bank	NOUN
asir-2255	225	3	:	:	PUNCT
asir-2255	225	4	assets	asset	NOUN
asir-2255	225	5	<	<	X
asir-2255	225	6	5	5	NUM
asir-2255	225	7	%	%	NOUN
asir-2255	225	8	of	of	ADP
asir-2255	225	9	industry	industry	NOUN
asir-2255	225	10	total	total	ADJ
asir-2255	225	11	assets	asset	NOUN
asir-2255	225	12	.	.	PUNCT
asir-2255	226	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	226	2	applied	apply	VERB
asir-2255	226	3	science	science	NOUN
asir-2255	226	4	and	and	CCONJ
asir-2255	226	5	innovative	innovative	ADJ
asir-2255	226	6	research	research	NOUN
asir-2255	226	7	vol	vol	NOUN
asir-2255	226	8	.	.	PUNCT
asir-2255	227	1	3	3	NUM
asir-2255	227	2	,	,	PUNCT
asir-2255	227	3	no	no	INTJ
asir-2255	227	4	.	.	NOUN
asir-2255	227	5	3	3	NUM
asir-2255	227	6	,	,	PUNCT
asir-2255	227	7	2019	2019	NUM
asir-2255	227	8	202	202	NUM
asir-2255	227	9	published	publish	VERB
asir-2255	227	10	by	by	ADP
asir-2255	227	11	scholink	scholink	PROPN
asir-2255	227	12	inc	inc	PROPN
asir-2255	227	13	.	.	PROPN
asir-2255	227	14	table	table	PROPN
asir-2255	227	15	4	4	NUM
asir-2255	227	16	.	.	PUNCT
asir-2255	227	17	efficiency	efficiency	NOUN
asir-2255	227	18	scores	score	NOUN
asir-2255	227	19	by	by	ADP
asir-2255	227	20	governance	governance	NOUN
asir-2255	227	21	indicators	indicator	NOUN
asir-2255	227	22	and	and	CCONJ
asir-2255	227	23	year	year	NOUN
asir-2255	227	24	,	,	PUNCT
asir-2255	227	25	1997	1997	NUM
asir-2255	227	26	-	-	SYM
asir-2255	227	27	2008	2008	NUM
asir-2255	227	28	period	period	NOUN
asir-2255	227	29	entry_for	entry_for	ADP
asir-2255	227	30	entry_dom	entry_dom	PROPN
asir-2255	227	31	static_for	static_for	ADP
asir-2255	227	32	static_dom	static_dom	X
asir-2255	227	33	static_sta	static_sta	NUM
asir-2255	227	34	select_for	select_for	ADP
asir-2255	227	35	1997	1997	NUM
asir-2255	227	36	0.6740	0.6740	NUM
asir-2255	227	37	0.6331	0.6331	NUM
asir-2255	227	38	0.9185	0.9185	NUM
asir-2255	227	39	0.5676	0.5676	NUM
asir-2255	227	40	0.7591	0.7591	NUM
asir-2255	227	41	0.9288	0.9288	NUM
asir-2255	227	42	1998	1998	NUM
asir-2255	228	1	0.6826	0.6826	NUM
asir-2255	228	2	0.6433	0.6433	NUM
asir-2255	228	3	0.9211	0.9211	NUM
asir-2255	228	4	0.5790	0.5790	NUM
asir-2255	228	5	0.7664	0.7664	NUM
asir-2255	228	6	0.9354	0.9354	NUM
asir-2255	228	7	1999	1999	NUM
asir-2255	228	8	0.6911	0.6911	NUM
asir-2255	228	9	0.6533	0.6533	NUM
asir-2255	228	10	0.9237	0.9237	NUM
asir-2255	228	11	0.5902	0.5902	NUM
asir-2255	228	12	0.7736	0.7736	NUM
asir-2255	228	13	0.9378	0.9378	NUM
asir-2255	228	14	2000	2000	NUM
asir-2255	228	15	0.7152	0.7152	NUM
asir-2255	229	1	0.6777	0.6777	NUM
asir-2255	229	2	0.9262	0.9262	NUM
asir-2255	229	3	0.6012	0.6012	NUM
asir-2255	229	4	0.7805	0.7805	NUM
asir-2255	229	5	0.9390	0.9390	NUM
asir-2255	229	6	2001	2001	NUM
asir-2255	229	7	0.7232	0.7232	NUM
asir-2255	229	8	0.6945	0.6945	NUM
asir-2255	229	9	0.9286	0.9286	NUM
asir-2255	229	10	0.6121	0.6121	NUM
asir-2255	229	11	0.7873	0.7873	NUM
asir-2255	229	12	0.9499	0.9499	NUM
asir-2255	229	13	2002	2002	NUM
asir-2255	230	1	0.7310	0.7310	NUM
asir-2255	230	2	0.7034	0.7034	NUM
asir-2255	230	3	0.9310	0.9310	NUM
asir-2255	230	4	0.6227	0.6227	NUM
asir-2255	230	5	0.7939	0.7939	NUM
asir-2255	230	6	0.9572	0.9572	NUM
asir-2255	230	7	2003	2003	NUM
asir-2255	230	8	0.7387	0.7387	NUM
asir-2255	230	9	0.6905	0.6905	VERB
asir-2255	230	10	0.9333	0.9333	NUM
asir-2255	230	11	0.6332	0.6332	NUM
asir-2255	230	12	0.8003	0.8003	NUM
asir-2255	230	13	0.9634	0.9634	NUM
asir-2255	230	14	2004	2004	NUM
asir-2255	230	15	0.7461	0.7461	NUM
asir-2255	230	16	0.6994	0.6994	NUM
asir-2255	230	17	0.9355	0.9355	NUM
asir-2255	230	18	0.6434	0.6434	NUM
asir-2255	230	19	0.8066	0.8066	NUM
asir-2255	230	20	0.9712	0.9712	NUM
asir-2255	230	21	2005	2005	NUM
asir-2255	230	22	0.7165	0.7165	NUM
asir-2255	230	23	0.6734	0.6734	NUM
asir-2255	230	24	0.8917	0.8917	NUM
asir-2255	230	25	0.6214	0.6214	NUM
asir-2255	230	26	0.7728	0.7728	NUM
asir-2255	230	27	0.9465	0.9465	NUM
asir-2255	230	28	2006	2006	NUM
asir-2255	230	29	0.7827	0.7827	NUM
asir-2255	230	30	0.6939	0.6939	NUM
asir-2255	230	31	0.8953	0.8953	NUM
asir-2255	230	32	0.6320	0.6320	NUM
asir-2255	230	33	0.7799	0.7799	NUM
asir-2255	230	34	0.9588	0.9588	NUM
asir-2255	230	35	2007	2007	NUM
asir-2255	230	36	0.7727	0.7727	NUM
asir-2255	230	37	0.7028	0.7028	NUM
asir-2255	230	38	0.8988	0.8988	NUM
asir-2255	230	39	0.6423	0.6423	NUM
asir-2255	230	40	0.7867	0.7867	NUM
asir-2255	230	41	0.9589	0.9589	NUM
asir-2255	230	42	2008	2008	NUM
asir-2255	230	43	0.7867	0.7867	NUM
asir-2255	230	44	0.7115	0.7115	NUM
asir-2255	230	45	0.9022	0.9022	NUM
asir-2255	230	46	0.6524	0.6524	NUM
asir-2255	230	47	0.7934	0.7934	NUM
asir-2255	230	48	0.9676	0.9676	NUM
asir-2255	230	49	average	average	NOUN
asir-2255	230	50	0.7301	0.7301	NUM
asir-2255	230	51	0.6814	0.6814	NUM
asir-2255	230	52	0.9172	0.9172	NUM
asir-2255	230	53	0.6165	0.6165	NUM
asir-2255	230	54	0.7834	0.7834	NUM
asir-2255	230	55	0.9512	0.9512	NUM
asir-2255	230	56	note	note	NOUN
asir-2255	230	57	.	.	PUNCT
asir-2255	231	1	see	see	VERB
asir-2255	231	2	table	table	NOUN
asir-2255	231	3	5.2	5.2	NUM
asir-2255	231	4	for	for	ADP
asir-2255	231	5	variable	variable	ADJ
asir-2255	231	6	definitions	definition	NOUN
asir-2255	231	7	of	of	ADP
asir-2255	231	8	governance	governance	NOUN
asir-2255	231	9	indicators	indicator	NOUN
asir-2255	231	10	.	.	PUNCT
asir-2255	232	1	4.2	4.2	NUM
asir-2255	232	2	bank	bank	NOUN
asir-2255	232	3	inefficiency	inefficiency	NOUN
asir-2255	232	4	correlates	correlate	VERB
asir-2255	232	5	employing	employ	VERB
asir-2255	232	6	the	the	DET
asir-2255	232	7	conditional	conditional	ADJ
asir-2255	232	8	mean	mean	NOUN
asir-2255	232	9	model	model	NOUN
asir-2255	232	10	of	of	ADP
asir-2255	232	11	battese	battese	PROPN
asir-2255	232	12	and	and	CCONJ
asir-2255	232	13	coelli	coelli	PROPN
asir-2255	232	14	(	(	PUNCT
asir-2255	232	15	1995	1995	NUM
asir-2255	232	16	)	)	PUNCT
asir-2255	232	17	,	,	PUNCT
asir-2255	232	18	factors	factor	NOUN
asir-2255	232	19	that	that	PRON
asir-2255	232	20	are	be	AUX
asir-2255	232	21	correlated	correlate	VERB
asir-2255	232	22	with	with	ADP
asir-2255	232	23	bank	bank	NOUN
asir-2255	232	24	inefficiency	inefficiency	NOUN
asir-2255	232	25	are	be	AUX
asir-2255	232	26	investigated	investigate	VERB
asir-2255	232	27	in	in	ADP
asir-2255	232	28	the	the	DET
asir-2255	232	29	ghanaian	ghanaian	ADJ
asir-2255	232	30	banking	banking	NOUN
asir-2255	232	31	sector	sector	NOUN
asir-2255	232	32	.	.	PUNCT
asir-2255	233	1	in	in	ADP
asir-2255	233	2	the	the	DET
asir-2255	233	3	model	model	NOUN
asir-2255	233	4	,	,	PUNCT
asir-2255	233	5	(	(	PUNCT
asir-2255	233	6	in)efficiency	in)efficiency	NOUN
asir-2255	233	7	is	be	AUX
asir-2255	233	8	derived	derive	VERB
asir-2255	233	9	from	from	ADP
asir-2255	233	10	the	the	DET
asir-2255	233	11	cost	cost	NOUN
asir-2255	233	12	function	function	NOUN
asir-2255	233	13	in	in	ADP
asir-2255	233	14	equation	equation	NOUN
asir-2255	233	15	(	(	PUNCT
asir-2255	233	16	1	1	NUM
asir-2255	233	17	)	)	PUNCT
asir-2255	233	18	and	and	CCONJ
asir-2255	233	19	subsequently	subsequently	ADV
asir-2255	233	20	expressed	express	VERB
asir-2255	233	21	as	as	ADP
asir-2255	233	22	a	a	DET
asir-2255	233	23	function	function	NOUN
asir-2255	233	24	of	of	ADP
asir-2255	233	25	a	a	DET
asir-2255	233	26	vector	vector	NOUN
asir-2255	233	27	of	of	ADP
asir-2255	233	28	predictor	predictor	NOUN
asir-2255	233	29	variables	variable	NOUN
asir-2255	233	30	.	.	PUNCT
asir-2255	234	1	the	the	DET
asir-2255	234	2	results	result	NOUN
asir-2255	234	3	of	of	ADP
asir-2255	234	4	this	this	DET
asir-2255	234	5	investigation	investigation	NOUN
asir-2255	234	6	,	,	PUNCT
asir-2255	234	7	which	which	PRON
asir-2255	234	8	include	include	VERB
asir-2255	234	9	governance	governance	NOUN
asir-2255	234	10	indicators	indicator	NOUN
asir-2255	234	11	,	,	PUNCT
asir-2255	234	12	competition	competition	NOUN
asir-2255	234	13	,	,	PUNCT
asir-2255	234	14	and	and	CCONJ
asir-2255	234	15	bank	bank	NOUN
asir-2255	234	16	size	size	NOUN
asir-2255	234	17	,	,	PUNCT
asir-2255	234	18	are	be	AUX
asir-2255	234	19	presented	present	VERB
asir-2255	234	20	in	in	ADP
asir-2255	234	21	table	table	NOUN
asir-2255	234	22	5	5	NUM
asir-2255	234	23	.	.	X
asir-2255	235	1	4.2.1	4.2.1	NUM
asir-2255	235	2	bank	bank	NOUN
asir-2255	235	3	governance	governance	NOUN
asir-2255	235	4	the	the	DET
asir-2255	235	5	estimate	estimate	NOUN
asir-2255	235	6	in	in	ADP
asir-2255	235	7	table	table	NOUN
asir-2255	235	8	5	5	NUM
asir-2255	235	9	shows	show	VERB
asir-2255	235	10	that	that	SCONJ
asir-2255	235	11	apart	apart	ADV
asir-2255	235	12	from	from	ADP
asir-2255	235	13	the	the	DET
asir-2255	235	14	two	two	NUM
asir-2255	235	15	dynamic	dynamic	ADJ
asir-2255	235	16	variables	variable	NOUN
asir-2255	235	17	(	(	PUNCT
asir-2255	235	18	dynam_st	dynam_st	NOUN
asir-2255	235	19	and	and	CCONJ
asir-2255	235	20	dynam_lt	dynam_lt	PROPN
asir-2255	235	21	)	)	PUNCT
asir-2255	235	22	,	,	PUNCT
asir-2255	235	23	all	all	DET
asir-2255	235	24	the	the	DET
asir-2255	235	25	governance	governance	NOUN
asir-2255	235	26	indicators	indicator	NOUN
asir-2255	235	27	have	have	VERB
asir-2255	235	28	a	a	DET
asir-2255	235	29	statistically	statistically	ADV
asir-2255	235	30	significant	significant	ADJ
asir-2255	235	31	relationship	relationship	NOUN
asir-2255	235	32	with	with	ADP
asir-2255	235	33	cost	cost	NOUN
asir-2255	235	34	(	(	PUNCT
asir-2255	235	35	in)efficiency	in)efficiency	NOUN
asir-2255	235	36	.	.	PUNCT
asir-2255	236	1	the	the	DET
asir-2255	236	2	omitted	omit	VERB
asir-2255	236	3	dummy	dummy	ADJ
asir-2255	236	4	variable	variable	NOUN
asir-2255	236	5	among	among	ADP
asir-2255	236	6	our	our	PRON
asir-2255	236	7	governance	governance	NOUN
asir-2255	236	8	indicators	indicator	NOUN
asir-2255	236	9	is	be	AUX
asir-2255	236	10	bank	bank	NOUN
asir-2255	236	11	exit	exit	NOUN
asir-2255	236	12	,	,	PUNCT
asir-2255	236	13	exit	exit	NOUN
asir-2255	236	14	.	.	PUNCT
asir-2255	237	1	thus	thus	ADV
asir-2255	237	2	,	,	PUNCT
asir-2255	237	3	the	the	DET
asir-2255	237	4	cost	cost	NOUN
asir-2255	237	5	(	(	PUNCT
asir-2255	237	6	in)efficiency	in)efficiency	NOUN
asir-2255	237	7	with	with	ADP
asir-2255	237	8	respect	respect	NOUN
asir-2255	237	9	to	to	ADP
asir-2255	237	10	bank	bank	NOUN
asir-2255	237	11	governance	governance	NOUN
asir-2255	237	12	is	be	AUX
asir-2255	237	13	measured	measure	VERB
asir-2255	237	14	relative	relative	ADJ
asir-2255	237	15	to	to	ADP
asir-2255	237	16	this	this	DET
asir-2255	237	17	category	category	NOUN
asir-2255	237	18	.	.	PUNCT
asir-2255	238	1	as	as	SCONJ
asir-2255	238	2	expected	expect	VERB
asir-2255	238	3	,	,	PUNCT
asir-2255	238	4	the	the	DET
asir-2255	238	5	results	result	NOUN
asir-2255	238	6	show	show	VERB
asir-2255	238	7	that	that	SCONJ
asir-2255	238	8	the	the	DET
asir-2255	238	9	two	two	NUM
asir-2255	238	10	state	state	NOUN
asir-2255	238	11	-	-	PUNCT
asir-2255	238	12	owned	own	VERB
asir-2255	238	13	banks	bank	NOUN
asir-2255	238	14	selected	select	VERB
asir-2255	238	15	for	for	ADP
asir-2255	238	16	closure	closure	NOUN
asir-2255	238	17	were	be	AUX
asir-2255	238	18	less	less	ADV
asir-2255	238	19	cost	cost	NOUN
asir-2255	238	20	efficient	efficient	ADJ
asir-2255	238	21	than	than	ADP
asir-2255	238	22	other	other	ADJ
asir-2255	238	23	banks	bank	NOUN
asir-2255	238	24	in	in	ADP
asir-2255	238	25	the	the	DET
asir-2255	238	26	sample	sample	NOUN
asir-2255	238	27	.	.	PUNCT
asir-2255	239	1	the	the	DET
asir-2255	239	2	closure	closure	NOUN
asir-2255	239	3	decision	decision	NOUN
asir-2255	239	4	made	make	VERB
asir-2255	239	5	by	by	ADP
asir-2255	239	6	bank	bank	PROPN
asir-2255	239	7	of	of	ADP
asir-2255	239	8	ghana	ghana	PROPN
asir-2255	239	9	appears	appear	VERB
asir-2255	239	10	to	to	PART
asir-2255	239	11	be	be	AUX
asir-2255	239	12	justified	justify	VERB
asir-2255	239	13	on	on	ADP
asir-2255	239	14	cost	cost	NOUN
asir-2255	239	15	efficiency	efficiency	NOUN
asir-2255	239	16	grounds	ground	NOUN
asir-2255	239	17	.	.	PUNCT
asir-2255	240	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	240	2	applied	apply	VERB
asir-2255	240	3	science	science	NOUN
asir-2255	240	4	and	and	CCONJ
asir-2255	240	5	innovative	innovative	ADJ
asir-2255	240	6	research	research	NOUN
asir-2255	240	7	vol	vol	NOUN
asir-2255	240	8	.	.	PUNCT
asir-2255	241	1	3	3	NUM
asir-2255	241	2	,	,	PUNCT
asir-2255	241	3	no	no	INTJ
asir-2255	241	4	.	.	NOUN
asir-2255	241	5	3	3	NUM
asir-2255	241	6	,	,	PUNCT
asir-2255	241	7	2019	2019	NUM
asir-2255	241	8	203	203	NUM
asir-2255	241	9	published	publish	VERB
asir-2255	241	10	by	by	ADP
asir-2255	241	11	scholink	scholink	PROPN
asir-2255	241	12	inc	inc	PROPN
asir-2255	241	13	.	.	PROPN
asir-2255	241	14	table	table	PROPN
asir-2255	241	15	5	5	NUM
asir-2255	241	16	.	.	PUNCT
asir-2255	242	1	parameter	parameter	NOUN
asir-2255	242	2	estimates	estimate	NOUN
asir-2255	242	3	of	of	ADP
asir-2255	242	4	bank	bank	NOUN
asir-2255	242	5	inefficiency	inefficiency	NOUN
asir-2255	242	6	correlates	correlate	VERB
asir-2255	242	7	variable	variable	ADJ
asir-2255	242	8	parameter	parameter	NOUN
asir-2255	242	9	coefficient	coefficient	NOUN
asir-2255	242	10	standard	standard	ADJ
asir-2255	242	11	error	error	NOUN
asir-2255	242	12	t	t	NOUN
asir-2255	242	13	-	-	PUNCT
asir-2255	242	14	statistic	statistic	NOUN
asir-2255	242	15	constant	constant	ADJ
asir-2255	242	16	α0	α0	ADJ
asir-2255	242	17	-2.5433	-2.5433	NOUN
asir-2255	242	18	*	*	PUNCT
asir-2255	242	19	1.3078	1.3078	NUM
asir-2255	242	20	-1.94	-1.94	NOUN
asir-2255	242	21	bank	bank	NOUN
asir-2255	242	22	governance	governance	NOUN
asir-2255	242	23	entry_for	entry_for	ADP
asir-2255	242	24	δ2	δ2	VERB
asir-2255	242	25	-0.5271	-0.5271	NOUN
asir-2255	242	26	*	*	PUNCT
asir-2255	242	27	*	*	PUNCT
asir-2255	242	28	*	*	PUNCT
asir-2255	242	29	0.2008	0.2008	NUM
asir-2255	242	30	-2.63	-2.63	NUM
asir-2255	242	31	entry_dom	entry_dom	PROPN
asir-2255	242	32	δ3	δ3	PROPN
asir-2255	242	33	-0.5056	-0.5056	PROPN
asir-2255	242	34	*	*	PROPN
asir-2255	243	1	*	*	PUNCT
asir-2255	244	1	0.2161	0.2161	NUM
asir-2255	244	2	-2.34	-2.34	NUM
asir-2255	244	3	static_for	static_for	ADP
asir-2255	244	4	δ4	δ4	NOUN
asir-2255	244	5	-0.7250	-0.7250	PROPN
asir-2255	244	6	*	*	PUNCT
asir-2255	245	1	*	*	PUNCT
asir-2255	245	2	*	*	PUNCT
asir-2255	245	3	0.2413	0.2413	NUM
asir-2255	245	4	-3.01	-3.01	NOUN
asir-2255	245	5	static_dom	static_dom	NUM
asir-2255	245	6	δ5	δ5	NOUN
asir-2255	245	7	-0.3963	-0.3963	NOUN
asir-2255	245	8	*	*	PUNCT
asir-2255	245	9	*	*	X
asir-2255	245	10	0.1981	0.1981	NUM
asir-2255	245	11	-2.00	-2.00	NUM
asir-2255	245	12	static_sta	static_sta	NUM
asir-2255	245	13	δ6	δ6	NOUN
asir-2255	245	14	-0.6352	-0.6352	NOUN
asir-2255	245	15	*	*	PUNCT
asir-2255	245	16	*	*	PUNCT
asir-2255	245	17	0.2477	0.2477	NUM
asir-2255	245	18	-2.56	-2.56	NUM
asir-2255	245	19	select_for	select_for	ADP
asir-2255	245	20	δ7	δ7	NOUN
asir-2255	245	21	-0.7865	-0.7865	ADJ
asir-2255	245	22	*	*	PUNCT
asir-2255	246	1	*	*	PUNCT
asir-2255	246	2	*	*	PUNCT
asir-2255	246	3	0.2571	0.2571	NUM
asir-2255	246	4	-3.06	-3.06	NUM
asir-2255	246	5	dynam_st	dynam_st	NOUN
asir-2255	246	6	δ8	δ8	NOUN
asir-2255	246	7	0.0099	0.0099	NUM
asir-2255	246	8	0.1163	0.1163	NUM
asir-2255	246	9	0.09	0.09	NUM
asir-2255	246	10	dynam_lt	dynam_lt	PROPN
asir-2255	246	11	δ9	δ9	NOUN
asir-2255	246	12	0.0028	0.0028	NUM
asir-2255	246	13	0.0272	0.0272	NUM
asir-2255	246	14	0.10	0.10	NUM
asir-2255	246	15	competition	competition	NOUN
asir-2255	246	16	universal	universal	ADJ
asir-2255	246	17	δ10	δ10	PROPN
asir-2255	246	18	0.0225	0.0225	NUM
asir-2255	246	19	0.0386	0.0386	NUM
asir-2255	246	20	0.58	0.58	NUM
asir-2255	246	21	bank	bank	NOUN
asir-2255	246	22	size	size	NOUN
asir-2255	246	23	logassets	logasset	VERB
asir-2255	246	24	δ11	δ11	NOUN
asir-2255	246	25	-0.8066	-0.8066	VERB
asir-2255	246	26	*	*	PUNCT
asir-2255	246	27	*	*	PUNCT
asir-2255	246	28	*	*	PUNCT
asir-2255	246	29	0.0671	0.0671	NUM
asir-2255	246	30	-12.02	-12.02	PROPN
asir-2255	246	31	statistic	statistic	PROPN
asir-2255	246	32	gamma	gamma	NOUN
asir-2255	246	33	γ	γ	PROPN
asir-2255	246	34	0.9274	0.9274	NUM
asir-2255	246	35	*	*	PUNCT
asir-2255	246	36	*	*	PUNCT
asir-2255	246	37	*	*	PUNCT
asir-2255	246	38	0.2120	0.2120	NUM
asir-2255	246	39	4.3745	4.3745	NUM
asir-2255	246	40	lr	lr	NOUN
asir-2255	246	41	-	-	PUNCT
asir-2255	246	42	test	test	NOUN
asir-2255	246	43	ψ	ψ	NOUN
asir-2255	246	44	70.3371	70.3371	NUM
asir-2255	246	45	*	*	PUNCT
asir-2255	246	46	*	*	PUNCT
asir-2255	246	47	*	*	PUNCT
asir-2255	246	48	no	no	INTJ
asir-2255	246	49	.	.	PUNCT
asir-2255	246	50	of	of	ADP
asir-2255	246	51	obs	obs	PROPN
asir-2255	246	52	.	.	PUNCT
asir-2255	247	1	n	n	PROPN
asir-2255	247	2	222	222	NUM
asir-2255	247	3	note	note	NOUN
asir-2255	247	4	.	.	PUNCT
asir-2255	248	1	the	the	DET
asir-2255	248	2	symbols	symbol	NOUN
asir-2255	248	3	*	*	PUNCT
asir-2255	248	4	,	,	PUNCT
asir-2255	248	5	*	*	PUNCT
asir-2255	248	6	*	*	PUNCT
asir-2255	248	7	and	and	CCONJ
asir-2255	248	8	*	*	PUNCT
asir-2255	248	9	*	*	PUNCT
asir-2255	248	10	*	*	PUNCT
asir-2255	248	11	denote	denote	NOUN
asir-2255	248	12	significance	significance	NOUN
asir-2255	248	13	levels	level	NOUN
asir-2255	248	14	of	of	ADP
asir-2255	248	15	10	10	NUM
asir-2255	248	16	%	%	NOUN
asir-2255	248	17	,	,	PUNCT
asir-2255	248	18	5	5	NUM
asir-2255	248	19	%	%	NOUN
asir-2255	248	20	and	and	CCONJ
asir-2255	248	21	1	1	NUM
asir-2255	248	22	%	%	NOUN
asir-2255	248	23	,	,	PUNCT
asir-2255	248	24	respectively	respectively	ADV
asir-2255	248	25	.	.	PUNCT
asir-2255	249	1	all	all	DET
asir-2255	249	2	the	the	DET
asir-2255	249	3	newly	newly	ADV
asir-2255	249	4	established	establish	VERB
asir-2255	249	5	private	private	ADJ
asir-2255	249	6	banks	bank	NOUN
asir-2255	249	7	,	,	PUNCT
asir-2255	249	8	entry_dom	entry_dom	PROPN
asir-2255	249	9	and	and	CCONJ
asir-2255	249	10	entry_for	entry_for	ADV
asir-2255	249	11	,	,	PUNCT
asir-2255	249	12	that	that	PRON
asir-2255	249	13	entered	enter	VERB
asir-2255	249	14	the	the	DET
asir-2255	249	15	market	market	NOUN
asir-2255	249	16	operate	operate	VERB
asir-2255	249	17	at	at	ADP
asir-2255	249	18	relatively	relatively	ADV
asir-2255	249	19	high	high	ADJ
asir-2255	249	20	levels	level	NOUN
asir-2255	249	21	of	of	ADP
asir-2255	249	22	cost	cost	NOUN
asir-2255	249	23	efficiency	efficiency	NOUN
asir-2255	249	24	.	.	PUNCT
asir-2255	250	1	the	the	DET
asir-2255	250	2	effect	effect	NOUN
asir-2255	250	3	of	of	ADP
asir-2255	250	4	each	each	DET
asir-2255	250	5	category	category	NOUN
asir-2255	250	6	also	also	ADV
asir-2255	250	7	appears	appear	VERB
asir-2255	250	8	to	to	PART
asir-2255	250	9	be	be	AUX
asir-2255	250	10	very	very	ADV
asir-2255	250	11	similar	similar	ADJ
asir-2255	250	12	in	in	ADP
asir-2255	250	13	magnitude	magnitude	NOUN
asir-2255	250	14	.	.	PUNCT
asir-2255	251	1	the	the	DET
asir-2255	251	2	lower	low	ADJ
asir-2255	251	3	cost	cost	NOUN
asir-2255	251	4	efficiency	efficiency	NOUN
asir-2255	251	5	of	of	ADP
asir-2255	251	6	the	the	DET
asir-2255	251	7	newly	newly	ADV
asir-2255	251	8	established	establish	VERB
asir-2255	251	9	foreign	foreign	ADJ
asir-2255	251	10	banks	bank	NOUN
asir-2255	251	11	,	,	PUNCT
asir-2255	251	12	entry_for	entry_for	ADV
asir-2255	251	13	,	,	PUNCT
asir-2255	251	14	relative	relative	ADJ
asir-2255	251	15	to	to	ADP
asir-2255	251	16	established	establish	VERB
asir-2255	251	17	foreign	foreign	ADJ
asir-2255	251	18	banks	bank	NOUN
asir-2255	251	19	,	,	PUNCT
asir-2255	251	20	static_for	static_for	PROPN
asir-2255	251	21	,	,	PUNCT
asir-2255	251	22	can	can	AUX
asir-2255	251	23	be	be	AUX
asir-2255	251	24	traced	trace	VERB
asir-2255	251	25	from	from	ADP
asir-2255	251	26	one	one	NUM
asir-2255	251	27	important	important	ADJ
asir-2255	251	28	factor	factor	NOUN
asir-2255	251	29	.	.	PUNCT
asir-2255	252	1	in	in	ADP
asir-2255	252	2	attempting	attempt	VERB
asir-2255	252	3	to	to	PART
asir-2255	252	4	establish	establish	VERB
asir-2255	252	5	their	their	PRON
asir-2255	252	6	presence	presence	NOUN
asir-2255	252	7	in	in	ADP
asir-2255	252	8	the	the	DET
asir-2255	252	9	ghanaian	ghanaian	ADJ
asir-2255	252	10	banking	banking	NOUN
asir-2255	252	11	industry	industry	NOUN
asir-2255	252	12	,	,	PUNCT
asir-2255	252	13	many	many	ADJ
asir-2255	252	14	of	of	ADP
asir-2255	252	15	the	the	DET
asir-2255	252	16	new	new	ADJ
asir-2255	252	17	foreign	foreign	ADJ
asir-2255	252	18	banks	bank	NOUN
asir-2255	252	19	poached	poached	ADJ
asir-2255	252	20	staff	staff	NOUN
asir-2255	252	21	from	from	ADP
asir-2255	252	22	established	establish	VERB
asir-2255	252	23	financial	financial	ADJ
asir-2255	252	24	institutions	institution	NOUN
asir-2255	252	25	(	(	PUNCT
asir-2255	252	26	both	both	CCONJ
asir-2255	252	27	banks	bank	NOUN
asir-2255	252	28	and	and	CCONJ
asir-2255	252	29	non	non	NOUN
asir-2255	252	30	-	-	NOUN
asir-2255	252	31	banks	bank	NOUN
asir-2255	252	32	)	)	PUNCT
asir-2255	252	33	,	,	PUNCT
asir-2255	252	34	by	by	ADP
asir-2255	252	35	offering	offer	VERB
asir-2255	252	36	high	high	ADJ
asir-2255	252	37	salary	salary	NOUN
asir-2255	252	38	and	and	CCONJ
asir-2255	252	39	incentive	incentive	NOUN
asir-2255	252	40	packages	package	NOUN
asir-2255	252	41	.	.	PUNCT
asir-2255	253	1	this	this	PRON
asir-2255	253	2	was	be	AUX
asir-2255	253	3	especially	especially	ADV
asir-2255	253	4	common	common	ADJ
asir-2255	253	5	among	among	ADP
asir-2255	253	6	newly	newly	ADV
asir-2255	253	7	established	establish	VERB
asir-2255	253	8	nigerian	nigerian	ADJ
asir-2255	253	9	banks	bank	NOUN
asir-2255	253	10	that	that	PRON
asir-2255	253	11	entered	enter	VERB
asir-2255	253	12	the	the	DET
asir-2255	253	13	market	market	NOUN
asir-2255	253	14	from	from	ADP
asir-2255	253	15	2005	2005	NUM
asir-2255	253	16	onwards	onwards	ADP
asir-2255	253	17	.	.	PUNCT
asir-2255	254	1	a	a	DET
asir-2255	254	2	large	large	ADJ
asir-2255	254	3	number	number	NOUN
asir-2255	254	4	of	of	ADP
asir-2255	254	5	senior	senior	ADJ
asir-2255	254	6	management	management	NOUN
asir-2255	254	7	and	and	CCONJ
asir-2255	254	8	ordinary	ordinary	ADJ
asir-2255	254	9	staff	staff	NOUN
asir-2255	254	10	were	be	AUX
asir-2255	254	11	poached	poach	VERB
asir-2255	254	12	,	,	PUNCT
asir-2255	254	13	especially	especially	ADV
asir-2255	254	14	during	during	ADP
asir-2255	254	15	the	the	DET
asir-2255	254	16	period	period	NOUN
asir-2255	254	17	2006	2006	NUM
asir-2255	254	18	-	-	SYM
asir-2255	254	19	2007	2007	NUM
asir-2255	254	20	.	.	PUNCT
asir-2255	255	1	staff	staff	NOUN
asir-2255	255	2	turnover	turnover	NOUN
asir-2255	255	3	in	in	ADP
asir-2255	255	4	the	the	DET
asir-2255	255	5	banking	banking	NOUN
asir-2255	255	6	industry	industry	NOUN
asir-2255	255	7	was	be	AUX
asir-2255	255	8	high	high	ADJ
asir-2255	255	9	during	during	ADP
asir-2255	255	10	this	this	DET
asir-2255	255	11	period	period	NOUN
asir-2255	255	12	.	.	PUNCT
asir-2255	256	1	new	new	ADJ
asir-2255	256	2	staff	staff	NOUN
asir-2255	256	3	that	that	PRON
asir-2255	256	4	had	have	VERB
asir-2255	256	5	no	no	DET
asir-2255	256	6	prior	prior	ADJ
asir-2255	256	7	experience	experience	NOUN
asir-2255	256	8	in	in	ADP
asir-2255	256	9	banking	banking	NOUN
asir-2255	256	10	,	,	PUNCT
asir-2255	256	11	and	and	CCONJ
asir-2255	256	12	had	have	AUX
asir-2255	256	13	not	not	PART
asir-2255	256	14	been	be	AUX
asir-2255	256	15	poached	poach	VERB
asir-2255	256	16	from	from	ADP
asir-2255	256	17	elsewhere	elsewhere	ADV
asir-2255	256	18	,	,	PUNCT
asir-2255	256	19	received	receive	VERB
asir-2255	256	20	twice	twice	DET
asir-2255	256	21	the	the	DET
asir-2255	256	22	salary	salary	NOUN
asir-2255	256	23	earned	earn	VERB
asir-2255	256	24	by	by	ADP
asir-2255	256	25	their	their	PRON
asir-2255	256	26	peers	peer	NOUN
asir-2255	256	27	in	in	ADP
asir-2255	256	28	other	other	ADJ
asir-2255	256	29	established	establish	VERB
asir-2255	256	30	financial	financial	ADJ
asir-2255	256	31	institutions	institution	NOUN
asir-2255	256	32	.	.	PUNCT
asir-2255	257	1	apart	apart	ADV
asir-2255	257	2	from	from	ADP
asir-2255	257	3	generous	generous	ADJ
asir-2255	257	4	incentive	incentive	NOUN
asir-2255	257	5	packages	package	NOUN
asir-2255	257	6	,	,	PUNCT
asir-2255	257	7	most	most	ADJ
asir-2255	257	8	new	new	ADJ
asir-2255	257	9	foreign	foreign	ADJ
asir-2255	257	10	banks	bank	NOUN
asir-2255	257	11	were	be	AUX
asir-2255	257	12	willing	willing	ADJ
asir-2255	257	13	to	to	PART
asir-2255	257	14	offer	offer	VERB
asir-2255	257	15	high	high	ADJ
asir-2255	257	16	salary	salary	NOUN
asir-2255	257	17	packages	package	NOUN
asir-2255	257	18	,	,	PUNCT
asir-2255	257	19	which	which	PRON
asir-2255	257	20	may	may	AUX
asir-2255	257	21	as	as	ADP
asir-2255	257	22	a	a	DET
asir-2255	257	23	consequence	consequence	NOUN
asir-2255	257	24	,	,	PUNCT
asir-2255	257	25	have	have	AUX
asir-2255	257	26	made	make	VERB
asir-2255	257	27	them	they	PRON
asir-2255	257	28	less	less	ADV
asir-2255	257	29	cost	cost	VERB
asir-2255	257	30	efficient	efficient	ADJ
asir-2255	257	31	than	than	ADP
asir-2255	257	32	the	the	DET
asir-2255	257	33	established	establish	VERB
asir-2255	257	34	foreign	foreign	ADJ
asir-2255	257	35	banks	bank	NOUN
asir-2255	257	36	.	.	PUNCT
asir-2255	258	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	258	2	applied	apply	VERB
asir-2255	258	3	science	science	NOUN
asir-2255	258	4	and	and	CCONJ
asir-2255	258	5	innovative	innovative	ADJ
asir-2255	258	6	research	research	NOUN
asir-2255	258	7	vol	vol	NOUN
asir-2255	258	8	.	.	PUNCT
asir-2255	259	1	3	3	NUM
asir-2255	259	2	,	,	PUNCT
asir-2255	259	3	no	no	INTJ
asir-2255	259	4	.	.	NOUN
asir-2255	259	5	3	3	NUM
asir-2255	259	6	,	,	PUNCT
asir-2255	259	7	2019	2019	NUM
asir-2255	259	8	204	204	NUM
asir-2255	259	9	published	publish	VERB
asir-2255	259	10	by	by	ADP
asir-2255	259	11	scholink	scholink	PROPN
asir-2255	259	12	inc	inc	PROPN
asir-2255	259	13	.	.	PUNCT
asir-2255	260	1	the	the	DET
asir-2255	260	2	ability	ability	NOUN
asir-2255	260	3	to	to	PART
asir-2255	260	4	pay	pay	VERB
asir-2255	260	5	high	high	ADJ
asir-2255	260	6	salaries	salary	NOUN
asir-2255	260	7	arose	arise	VERB
asir-2255	260	8	from	from	ADP
asir-2255	260	9	the	the	DET
asir-2255	260	10	fact	fact	NOUN
asir-2255	260	11	that	that	SCONJ
asir-2255	260	12	the	the	DET
asir-2255	260	13	newly	newly	ADV
asir-2255	260	14	established	establish	VERB
asir-2255	260	15	foreign	foreign	ADJ
asir-2255	260	16	banks	bank	NOUN
asir-2255	260	17	had	have	AUX
asir-2255	260	18	support	support	NOUN
asir-2255	260	19	from	from	ADP
asir-2255	260	20	their	their	PRON
asir-2255	260	21	parent	parent	NOUN
asir-2255	260	22	companies	company	NOUN
asir-2255	260	23	.	.	PUNCT
asir-2255	261	1	concerns	concern	NOUN
asir-2255	261	2	were	be	AUX
asir-2255	261	3	raised	raise	VERB
asir-2255	261	4	as	as	ADP
asir-2255	261	5	to	to	ADP
asir-2255	261	6	how	how	SCONJ
asir-2255	261	7	long	long	ADV
asir-2255	261	8	this	this	DET
asir-2255	261	9	practice	practice	NOUN
asir-2255	261	10	could	could	AUX
asir-2255	261	11	be	be	AUX
asir-2255	261	12	sustained	sustain	VERB
asir-2255	261	13	.	.	PUNCT
asir-2255	262	1	one	one	PRON
asir-2255	262	2	would	would	AUX
asir-2255	262	3	expect	expect	VERB
asir-2255	262	4	that	that	SCONJ
asir-2255	262	5	the	the	DET
asir-2255	262	6	human	human	ADJ
asir-2255	262	7	capital	capital	NOUN
asir-2255	262	8	investment	investment	NOUN
asir-2255	262	9	made	make	VERB
asir-2255	262	10	by	by	ADP
asir-2255	262	11	the	the	DET
asir-2255	262	12	newly	newly	ADV
asir-2255	262	13	established	establish	VERB
asir-2255	262	14	foreign	foreign	ADJ
asir-2255	262	15	banks	bank	NOUN
asir-2255	262	16	would	would	AUX
asir-2255	262	17	eventually	eventually	ADV
asir-2255	262	18	pay	pay	VERB
asir-2255	262	19	off	off	ADP
asir-2255	262	20	,	,	PUNCT
asir-2255	262	21	considering	consider	VERB
asir-2255	262	22	the	the	DET
asir-2255	262	23	fact	fact	NOUN
asir-2255	262	24	that	that	SCONJ
asir-2255	262	25	they	they	PRON
asir-2255	262	26	had	have	AUX
asir-2255	262	27	managed	manage	VERB
asir-2255	262	28	to	to	PART
asir-2255	262	29	bring	bring	VERB
asir-2255	262	30	into	into	ADP
asir-2255	262	31	their	their	PRON
asir-2255	262	32	teams	team	NOUN
asir-2255	262	33	a	a	DET
asir-2255	262	34	considerable	considerable	ADJ
asir-2255	262	35	number	number	NOUN
asir-2255	262	36	of	of	ADP
asir-2255	262	37	staff	staff	NOUN
asir-2255	262	38	and	and	CCONJ
asir-2255	262	39	management	management	NOUN
asir-2255	262	40	with	with	ADP
asir-2255	262	41	knowledge	knowledge	NOUN
asir-2255	262	42	of	of	ADP
asir-2255	262	43	local	local	ADJ
asir-2255	262	44	conditions	condition	NOUN
asir-2255	262	45	in	in	ADP
asir-2255	262	46	the	the	DET
asir-2255	262	47	banking	banking	NOUN
asir-2255	262	48	industry	industry	NOUN
asir-2255	262	49	.	.	PUNCT
asir-2255	263	1	however	however	ADV
asir-2255	263	2	,	,	PUNCT
asir-2255	263	3	the	the	DET
asir-2255	263	4	unreasonable	unreasonable	ADJ
asir-2255	263	5	targets	target	NOUN
asir-2255	263	6	set	set	VERB
asir-2255	263	7	by	by	ADP
asir-2255	263	8	some	some	DET
asir-2255	263	9	newly	newly	ADV
asir-2255	263	10	established	establish	VERB
asir-2255	263	11	foreign	foreign	ADJ
asir-2255	263	12	banks	bank	NOUN
asir-2255	263	13	forced	force	VERB
asir-2255	263	14	a	a	DET
asir-2255	263	15	quite	quite	ADJ
asir-2255	263	16	number	number	NOUN
asir-2255	263	17	of	of	ADP
asir-2255	263	18	their	their	PRON
asir-2255	263	19	workers	worker	NOUN
asir-2255	263	20	to	to	PART
asir-2255	263	21	resign	resign	VERB
asir-2255	263	22	prematurely	prematurely	ADV
asir-2255	263	23	,	,	PUNCT
asir-2255	263	24	as	as	SCONJ
asir-2255	263	25	they	they	PRON
asir-2255	263	26	were	be	AUX
asir-2255	263	27	unable	unable	ADJ
asir-2255	263	28	to	to	PART
asir-2255	263	29	meet	meet	VERB
asir-2255	263	30	their	their	PRON
asir-2255	263	31	targets	target	NOUN
asir-2255	263	32	,	,	PUNCT
asir-2255	263	33	and	and	CCONJ
asir-2255	263	34	saw	see	VERB
asir-2255	263	35	their	their	PRON
asir-2255	263	36	salaries	salary	NOUN
asir-2255	263	37	and	and	CCONJ
asir-2255	263	38	incentives	incentive	NOUN
asir-2255	263	39	reduced	reduce	VERB
asir-2255	263	40	accordingly	accordingly	ADV
asir-2255	263	41	.	.	PUNCT
asir-2255	264	1	this	this	PRON
asir-2255	264	2	added	add	VERB
asir-2255	264	3	to	to	ADP
asir-2255	264	4	the	the	DET
asir-2255	264	5	relatively	relatively	ADV
asir-2255	264	6	high	high	ADJ
asir-2255	264	7	labour	labour	NOUN
asir-2255	264	8	turnover	turnover	NOUN
asir-2255	264	9	in	in	ADP
asir-2255	264	10	the	the	DET
asir-2255	264	11	banking	banking	NOUN
asir-2255	264	12	industry	industry	NOUN
asir-2255	264	13	during	during	ADP
asir-2255	264	14	this	this	DET
asir-2255	264	15	period	period	NOUN
asir-2255	264	16	.	.	PUNCT
asir-2255	265	1	newly	newly	ADV
asir-2255	265	2	established	establish	VERB
asir-2255	265	3	foreign	foreign	ADJ
asir-2255	265	4	banks	bank	NOUN
asir-2255	265	5	had	have	VERB
asir-2255	265	6	to	to	PART
asir-2255	265	7	raise	raise	VERB
asir-2255	265	8	their	their	PRON
asir-2255	265	9	game	game	NOUN
asir-2255	265	10	in	in	ADP
asir-2255	265	11	order	order	NOUN
asir-2255	265	12	to	to	PART
asir-2255	265	13	compete	compete	VERB
asir-2255	265	14	with	with	ADP
asir-2255	265	15	established	establish	VERB
asir-2255	265	16	banks	bank	NOUN
asir-2255	265	17	.	.	PUNCT
asir-2255	266	1	in	in	ADP
asir-2255	266	2	spite	spite	NOUN
asir-2255	266	3	of	of	ADP
asir-2255	266	4	these	these	DET
asir-2255	266	5	efforts	effort	NOUN
asir-2255	266	6	,	,	PUNCT
asir-2255	266	7	the	the	DET
asir-2255	266	8	results	result	NOUN
asir-2255	266	9	of	of	ADP
asir-2255	266	10	this	this	DET
asir-2255	266	11	study	study	NOUN
asir-2255	266	12	suggest	suggest	VERB
asir-2255	266	13	they	they	PRON
asir-2255	266	14	have	have	AUX
asir-2255	266	15	not	not	PART
asir-2255	266	16	achieved	achieve	VERB
asir-2255	266	17	the	the	DET
asir-2255	266	18	same	same	ADJ
asir-2255	266	19	levels	level	NOUN
asir-2255	266	20	of	of	ADP
asir-2255	266	21	cost	cost	NOUN
asir-2255	266	22	efficiency	efficiency	NOUN
asir-2255	266	23	as	as	ADP
asir-2255	266	24	their	their	PRON
asir-2255	266	25	established	establish	VERB
asir-2255	266	26	foreign	foreign	ADJ
asir-2255	266	27	peers	peer	NOUN
asir-2255	266	28	.	.	PUNCT
asir-2255	267	1	among	among	ADP
asir-2255	267	2	the	the	DET
asir-2255	267	3	group	group	NOUN
asir-2255	267	4	of	of	ADP
asir-2255	267	5	static	static	ADJ
asir-2255	267	6	governance	governance	NOUN
asir-2255	267	7	indicators	indicator	NOUN
asir-2255	267	8	,	,	PUNCT
asir-2255	267	9	the	the	DET
asir-2255	267	10	result	result	NOUN
asir-2255	267	11	shows	show	VERB
asir-2255	267	12	that	that	SCONJ
asir-2255	267	13	established	establish	VERB
asir-2255	267	14	foreign	foreign	ADJ
asir-2255	267	15	banks	bank	NOUN
asir-2255	267	16	,	,	PUNCT
asir-2255	267	17	static_for	static_for	PROPN
asir-2255	267	18	,	,	PUNCT
asir-2255	267	19	are	be	AUX
asir-2255	267	20	more	more	ADJ
asir-2255	267	21	cost	cost	NOUN
asir-2255	267	22	efficient	efficient	ADJ
asir-2255	267	23	than	than	ADP
asir-2255	267	24	state	state	NOUN
asir-2255	267	25	-	-	PUNCT
asir-2255	267	26	owned	own	VERB
asir-2255	267	27	,	,	PUNCT
asir-2255	267	28	static_sta	static_sta	NUM
asir-2255	267	29	,	,	PUNCT
asir-2255	267	30	and	and	CCONJ
asir-2255	267	31	established	establish	VERB
asir-2255	267	32	private	private	ADJ
asir-2255	267	33	domestic	domestic	ADJ
asir-2255	267	34	,	,	PUNCT
asir-2255	267	35	static_dom	static_dom	PROPN
asir-2255	267	36	,	,	PUNCT
asir-2255	267	37	banks	bank	NOUN
asir-2255	267	38	;	;	PUNCT
asir-2255	267	39	with	with	ADP
asir-2255	267	40	the	the	DET
asir-2255	267	41	latter	latter	ADJ
asir-2255	267	42	showing	show	VERB
asir-2255	267	43	the	the	DET
asir-2255	267	44	lowest	low	ADJ
asir-2255	267	45	average	average	ADJ
asir-2255	267	46	cost	cost	NOUN
asir-2255	267	47	efficiency	efficiency	NOUN
asir-2255	267	48	in	in	ADP
asir-2255	267	49	the	the	DET
asir-2255	267	50	ghanaian	ghanaian	ADJ
asir-2255	267	51	banking	banking	NOUN
asir-2255	267	52	sector	sector	NOUN
asir-2255	267	53	.	.	PUNCT
asir-2255	268	1	this	this	PRON
asir-2255	268	2	is	be	AUX
asir-2255	268	3	partially	partially	ADV
asir-2255	268	4	consistent	consistent	ADJ
asir-2255	268	5	with	with	ADP
asir-2255	268	6	theory	theory	NOUN
asir-2255	268	7	which	which	PRON
asir-2255	268	8	assumes	assume	VERB
asir-2255	268	9	that	that	SCONJ
asir-2255	268	10	state	state	NOUN
asir-2255	268	11	-	-	PUNCT
asir-2255	268	12	owned	own	VERB
asir-2255	268	13	banks	bank	NOUN
asir-2255	268	14	in	in	ADP
asir-2255	268	15	developing	develop	VERB
asir-2255	268	16	countries	country	NOUN
asir-2255	268	17	are	be	AUX
asir-2255	268	18	less	less	ADV
asir-2255	268	19	cost	cost	NOUN
asir-2255	268	20	efficient	efficient	ADJ
asir-2255	268	21	than	than	ADP
asir-2255	268	22	their	their	PRON
asir-2255	268	23	peers	peer	NOUN
asir-2255	268	24	due	due	ADJ
asir-2255	268	25	to	to	ADP
asir-2255	268	26	pervasive	pervasive	ADJ
asir-2255	268	27	market	market	NOUN
asir-2255	268	28	inefficiencies	inefficiency	NOUN
asir-2255	268	29	and	and	CCONJ
asir-2255	268	30	outmoded	outmoded	ADJ
asir-2255	268	31	banking	banking	NOUN
asir-2255	268	32	practices	practice	NOUN
asir-2255	268	33	.	.	PUNCT
asir-2255	269	1	in	in	ADP
asir-2255	269	2	the	the	DET
asir-2255	269	3	ghanaian	ghanaian	ADJ
asir-2255	269	4	context	context	NOUN
asir-2255	269	5	,	,	PUNCT
asir-2255	269	6	our	our	PRON
asir-2255	269	7	result	result	NOUN
asir-2255	269	8	shows	show	VERB
asir-2255	269	9	that	that	SCONJ
asir-2255	269	10	state	state	NOUN
asir-2255	269	11	-	-	PUNCT
asir-2255	269	12	owned	own	VERB
asir-2255	269	13	banks	bank	NOUN
asir-2255	269	14	are	be	AUX
asir-2255	269	15	more	more	ADJ
asir-2255	269	16	cost	cost	NOUN
asir-2255	269	17	efficient	efficient	ADJ
asir-2255	269	18	than	than	ADP
asir-2255	269	19	their	their	PRON
asir-2255	269	20	established	establish	VERB
asir-2255	269	21	private	private	ADJ
asir-2255	269	22	domestic	domestic	ADJ
asir-2255	269	23	peers	peer	NOUN
asir-2255	269	24	.	.	PUNCT
asir-2255	270	1	despite	despite	SCONJ
asir-2255	270	2	the	the	DET
asir-2255	270	3	inefficiencies	inefficiency	NOUN
asir-2255	270	4	of	of	ADP
asir-2255	270	5	government	government	NOUN
asir-2255	270	6	banks	bank	NOUN
asir-2255	270	7	that	that	PRON
asir-2255	270	8	are	be	AUX
asir-2255	270	9	widely	widely	ADV
asir-2255	270	10	documented	document	VERB
asir-2255	270	11	in	in	ADP
asir-2255	270	12	developing	develop	VERB
asir-2255	270	13	economies	economy	NOUN
asir-2255	270	14	,	,	PUNCT
asir-2255	270	15	after	after	ADP
asir-2255	270	16	the	the	DET
asir-2255	270	17	three	three	NUM
asir-2255	270	18	phases	phase	NOUN
asir-2255	270	19	of	of	ADP
asir-2255	270	20	liberalisation	liberalisation	NOUN
asir-2255	270	21	in	in	ADP
asir-2255	270	22	the	the	DET
asir-2255	270	23	ghanaian	ghanaian	ADJ
asir-2255	270	24	banking	banking	NOUN
asir-2255	270	25	sector	sector	NOUN
asir-2255	270	26	,	,	PUNCT
asir-2255	270	27	state	state	NOUN
asir-2255	270	28	-	-	PUNCT
asir-2255	270	29	owned	own	VERB
asir-2255	270	30	banks	bank	NOUN
asir-2255	270	31	appear	appear	VERB
asir-2255	270	32	to	to	PART
asir-2255	270	33	have	have	AUX
asir-2255	270	34	improved	improve	VERB
asir-2255	270	35	their	their	PRON
asir-2255	270	36	efficiency	efficiency	NOUN
asir-2255	270	37	levels	level	NOUN
asir-2255	270	38	according	accord	VERB
asir-2255	270	39	to	to	ADP
asir-2255	270	40	the	the	DET
asir-2255	270	41	results	result	NOUN
asir-2255	270	42	reported	report	VERB
asir-2255	270	43	in	in	ADP
asir-2255	270	44	table	table	NOUN
asir-2255	270	45	5	5	NUM
asir-2255	270	46	.	.	PUNCT
asir-2255	271	1	there	there	PRON
asir-2255	271	2	is	be	VERB
asir-2255	271	3	also	also	ADV
asir-2255	271	4	evidence	evidence	NOUN
asir-2255	271	5	that	that	SCONJ
asir-2255	271	6	state	state	NOUN
asir-2255	271	7	-	-	PUNCT
asir-2255	271	8	owned	own	VERB
asir-2255	271	9	banks	bank	NOUN
asir-2255	271	10	are	be	AUX
asir-2255	271	11	more	more	ADJ
asir-2255	271	12	cost	cost	NOUN
asir-2255	271	13	efficient	efficient	ADJ
asir-2255	271	14	than	than	ADP
asir-2255	271	15	either	either	CCONJ
asir-2255	271	16	foreign	foreign	NOUN
asir-2255	271	17	-	-	PUNCT
asir-2255	271	18	owned	own	VERB
asir-2255	271	19	,	,	PUNCT
asir-2255	271	20	entry_for	entry_for	ADV
asir-2255	271	21	,	,	PUNCT
asir-2255	271	22	or	or	CCONJ
asir-2255	271	23	private	private	ADJ
asir-2255	271	24	domestic	domestic	ADJ
asir-2255	271	25	,	,	PUNCT
asir-2255	271	26	entry_dom	entry_dom	NOUN
asir-2255	271	27	,	,	PUNCT
asir-2255	271	28	banks	bank	NOUN
asir-2255	271	29	that	that	PRON
asir-2255	271	30	have	have	AUX
asir-2255	271	31	just	just	ADV
asir-2255	271	32	entered	enter	VERB
asir-2255	271	33	the	the	DET
asir-2255	271	34	market	market	NOUN
asir-2255	271	35	.	.	PUNCT
asir-2255	272	1	this	this	PRON
asir-2255	272	2	suggests	suggest	VERB
asir-2255	272	3	that	that	SCONJ
asir-2255	272	4	a	a	DET
asir-2255	272	5	strengthening	strengthening	NOUN
asir-2255	272	6	of	of	ADP
asir-2255	272	7	operational	operational	ADJ
asir-2255	272	8	procedures	procedure	NOUN
asir-2255	272	9	,	,	PUNCT
asir-2255	272	10	and	and	CCONJ
asir-2255	272	11	the	the	DET
asir-2255	272	12	existence	existence	NOUN
asir-2255	272	13	of	of	ADP
asir-2255	272	14	improved	improved	ADJ
asir-2255	272	15	supervisory	supervisory	ADJ
asir-2255	272	16	and	and	CCONJ
asir-2255	272	17	regulatory	regulatory	ADJ
asir-2255	272	18	systems	system	NOUN
asir-2255	272	19	,	,	PUNCT
asir-2255	272	20	have	have	AUX
asir-2255	272	21	helped	help	VERB
asir-2255	272	22	to	to	PART
asir-2255	272	23	reduce	reduce	VERB
asir-2255	272	24	the	the	DET
asir-2255	272	25	cost	cost	NOUN
asir-2255	272	26	inefficiency	inefficiency	NOUN
asir-2255	272	27	of	of	ADP
asir-2255	272	28	state	state	NOUN
asir-2255	272	29	-	-	PUNCT
asir-2255	272	30	owned	own	VERB
asir-2255	272	31	banks	bank	NOUN
asir-2255	272	32	.	.	PUNCT
asir-2255	273	1	it	it	PRON
asir-2255	273	2	is	be	AUX
asir-2255	273	3	,	,	PUNCT
asir-2255	273	4	however	however	ADV
asir-2255	273	5	,	,	PUNCT
asir-2255	273	6	noteworthy	noteworthy	ADJ
asir-2255	273	7	that	that	SCONJ
asir-2255	273	8	the	the	DET
asir-2255	273	9	established	establish	VERB
asir-2255	273	10	foreign	foreign	ADJ
asir-2255	273	11	banks	bank	NOUN
asir-2255	273	12	,	,	PUNCT
asir-2255	273	13	static_for	static_for	PROPN
asir-2255	273	14	,	,	PUNCT
asir-2255	273	15	exhibit	exhibit	VERB
asir-2255	273	16	the	the	DET
asir-2255	273	17	highest	high	ADJ
asir-2255	273	18	average	average	ADJ
asir-2255	273	19	cost	cost	NOUN
asir-2255	273	20	efficiency	efficiency	NOUN
asir-2255	273	21	among	among	ADP
asir-2255	273	22	the	the	DET
asir-2255	273	23	groups	group	NOUN
asir-2255	273	24	reported	report	VERB
asir-2255	273	25	in	in	ADP
asir-2255	273	26	table	table	NOUN
asir-2255	273	27	5	5	NUM
asir-2255	273	28	.	.	PUNCT
asir-2255	274	1	all	all	PRON
asir-2255	274	2	of	of	ADP
asir-2255	274	3	these	these	DET
asir-2255	274	4	banks	bank	NOUN
asir-2255	274	5	were	be	AUX
asir-2255	274	6	established	establish	VERB
asir-2255	274	7	during	during	ADP
asir-2255	274	8	the	the	DET
asir-2255	274	9	colonial	colonial	ADJ
asir-2255	274	10	period	period	NOUN
asir-2255	274	11	;	;	PUNCT
asir-2255	274	12	notably	notably	ADV
asir-2255	274	13	,	,	PUNCT
asir-2255	274	14	barclays	barclay	NOUN
asir-2255	274	15	and	and	CCONJ
asir-2255	274	16	standard	standard	ADJ
asir-2255	274	17	chartered	charter	VERB
asir-2255	274	18	.	.	PUNCT
asir-2255	275	1	from	from	ADP
asir-2255	275	2	this	this	DET
asir-2255	275	3	perspective	perspective	NOUN
asir-2255	275	4	,	,	PUNCT
asir-2255	275	5	it	it	PRON
asir-2255	275	6	appears	appear	VERB
asir-2255	275	7	that	that	SCONJ
asir-2255	275	8	as	as	ADP
asir-2255	275	9	a	a	DET
asir-2255	275	10	result	result	NOUN
asir-2255	275	11	of	of	ADP
asir-2255	275	12	maintaining	maintain	VERB
asir-2255	275	13	a	a	DET
asir-2255	275	14	long	long	ADJ
asir-2255	275	15	-	-	PUNCT
asir-2255	275	16	term	term	NOUN
asir-2255	275	17	presence	presence	NOUN
asir-2255	275	18	in	in	ADP
asir-2255	275	19	the	the	DET
asir-2255	275	20	ghanaian	ghanaian	ADJ
asir-2255	275	21	banking	banking	NOUN
asir-2255	275	22	sector	sector	NOUN
asir-2255	275	23	,	,	PUNCT
asir-2255	275	24	these	these	DET
asir-2255	275	25	banks	bank	NOUN
asir-2255	275	26	have	have	AUX
asir-2255	275	27	managed	manage	VERB
asir-2255	275	28	to	to	PART
asir-2255	275	29	overcome	overcome	VERB
asir-2255	275	30	the	the	DET
asir-2255	275	31	informational	informational	ADJ
asir-2255	275	32	disadvantages	disadvantage	NOUN
asir-2255	275	33	they	they	PRON
asir-2255	275	34	might	might	AUX
asir-2255	275	35	have	have	AUX
asir-2255	275	36	experienced	experience	VERB
asir-2255	275	37	with	with	ADP
asir-2255	275	38	respect	respect	NOUN
asir-2255	275	39	to	to	ADP
asir-2255	275	40	local	local	ADJ
asir-2255	275	41	banks	bank	NOUN
asir-2255	275	42	.	.	PUNCT
asir-2255	276	1	in	in	ADP
asir-2255	276	2	geographical	geographical	ADJ
asir-2255	276	3	areas	area	NOUN
asir-2255	276	4	where	where	SCONJ
asir-2255	276	5	they	they	PRON
asir-2255	276	6	had	have	AUX
asir-2255	276	7	consistently	consistently	ADV
asir-2255	276	8	operated	operate	VERB
asir-2255	276	9	inefficiently	inefficiently	ADV
asir-2255	276	10	,	,	PUNCT
asir-2255	276	11	these	these	DET
asir-2255	276	12	banks	bank	NOUN
asir-2255	276	13	have	have	AUX
asir-2255	276	14	closed	close	VERB
asir-2255	276	15	down	down	ADP
asir-2255	276	16	their	their	PRON
asir-2255	276	17	branches	branch	NOUN
asir-2255	276	18	,	,	PUNCT
asir-2255	276	19	despite	despite	SCONJ
asir-2255	276	20	adverse	adverse	ADJ
asir-2255	276	21	public	public	ADJ
asir-2255	276	22	opinion	opinion	NOUN
asir-2255	276	23	.	.	PUNCT
asir-2255	277	1	the	the	DET
asir-2255	277	2	higher	high	ADJ
asir-2255	277	3	cost	cost	NOUN
asir-2255	277	4	efficiency	efficiency	NOUN
asir-2255	277	5	of	of	ADP
asir-2255	277	6	established	establish	VERB
asir-2255	277	7	foreign	foreign	ADJ
asir-2255	277	8	banks	bank	NOUN
asir-2255	277	9	relative	relative	ADJ
asir-2255	277	10	to	to	ADP
asir-2255	277	11	domestic	domestic	ADJ
asir-2255	277	12	banks	bank	NOUN
asir-2255	277	13	is	be	AUX
asir-2255	277	14	also	also	ADV
asir-2255	277	15	consistent	consistent	ADJ
asir-2255	277	16	with	with	ADP
asir-2255	277	17	the	the	DET
asir-2255	277	18	theory	theory	NOUN
asir-2255	277	19	that	that	PRON
asir-2255	277	20	suggests	suggest	VERB
asir-2255	277	21	foreign	foreign	ADJ
asir-2255	277	22	banks	bank	NOUN
asir-2255	277	23	in	in	ADP
asir-2255	277	24	developing	develop	VERB
asir-2255	277	25	economies	economy	NOUN
asir-2255	277	26	have	have	VERB
asir-2255	277	27	advantages	advantage	NOUN
asir-2255	277	28	over	over	ADP
asir-2255	277	29	their	their	PRON
asir-2255	277	30	domestic	domestic	ADJ
asir-2255	277	31	counterparts	counterpart	NOUN
asir-2255	277	32	,	,	PUNCT
asir-2255	277	33	such	such	ADJ
asir-2255	277	34	as	as	ADP
asir-2255	277	35	superior	superior	ADJ
asir-2255	277	36	management	management	NOUN
asir-2255	277	37	practices	practice	NOUN
asir-2255	277	38	and	and	CCONJ
asir-2255	277	39	technological	technological	ADJ
asir-2255	277	40	processes	process	NOUN
asir-2255	277	41	(	(	PUNCT
asir-2255	277	42	claessens	claessen	NOUN
asir-2255	277	43	et	et	PROPN
asir-2255	277	44	al	al	PROPN
asir-2255	277	45	.	.	PROPN
asir-2255	277	46	,	,	PUNCT
asir-2255	277	47	2001	2001	NUM
asir-2255	277	48	)	)	PUNCT
asir-2255	277	49	.	.	PUNCT
asir-2255	278	1	as	as	SCONJ
asir-2255	278	2	private	private	ADJ
asir-2255	278	3	domestic	domestic	ADJ
asir-2255	278	4	banks	bank	NOUN
asir-2255	278	5	replicate	replicate	VERB
asir-2255	278	6	and	and	CCONJ
asir-2255	278	7	assimilate	assimilate	VERB
asir-2255	278	8	the	the	DET
asir-2255	278	9	modern	modern	ADJ
asir-2255	278	10	banking	banking	NOUN
asir-2255	278	11	technology	technology	NOUN
asir-2255	278	12	and	and	CCONJ
asir-2255	278	13	skills	skill	NOUN
asir-2255	278	14	introduced	introduce	VERB
asir-2255	278	15	by	by	ADP
asir-2255	278	16	foreign	foreign	ADJ
asir-2255	278	17	banks	bank	NOUN
asir-2255	278	18	,	,	PUNCT
asir-2255	278	19	it	it	PRON
asir-2255	278	20	is	be	AUX
asir-2255	278	21	expected	expect	VERB
asir-2255	278	22	that	that	SCONJ
asir-2255	278	23	this	this	DET
asir-2255	278	24	group	group	NOUN
asir-2255	278	25	of	of	ADP
asir-2255	278	26	local	local	ADJ
asir-2255	278	27	banks	bank	NOUN
asir-2255	278	28	would	would	AUX
asir-2255	278	29	combine	combine	VERB
asir-2255	278	30	the	the	DET
asir-2255	278	31	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	278	32	applied	apply	VERB
asir-2255	278	33	science	science	NOUN
asir-2255	278	34	and	and	CCONJ
asir-2255	278	35	innovative	innovative	ADJ
asir-2255	278	36	research	research	NOUN
asir-2255	278	37	vol	vol	NOUN
asir-2255	278	38	.	.	PUNCT
asir-2255	279	1	3	3	NUM
asir-2255	279	2	,	,	PUNCT
asir-2255	279	3	no	no	INTJ
asir-2255	279	4	.	.	NOUN
asir-2255	279	5	3	3	NUM
asir-2255	279	6	,	,	PUNCT
asir-2255	279	7	2019	2019	NUM
asir-2255	279	8	205	205	NUM
asir-2255	279	9	published	publish	VERB
asir-2255	279	10	by	by	ADP
asir-2255	279	11	scholink	scholink	PROPN
asir-2255	279	12	inc	inc	PROPN
asir-2255	279	13	.	.	PROPN
asir-2255	279	14	modern	modern	ADJ
asir-2255	279	15	practices	practice	NOUN
asir-2255	279	16	with	with	ADP
asir-2255	279	17	knowledge	knowledge	NOUN
asir-2255	279	18	of	of	ADP
asir-2255	279	19	local	local	ADJ
asir-2255	279	20	conditions	condition	NOUN
asir-2255	279	21	they	they	PRON
asir-2255	279	22	have	have	VERB
asir-2255	279	23	to	to	PART
asir-2255	279	24	improve	improve	VERB
asir-2255	279	25	their	their	PRON
asir-2255	279	26	efficiency	efficiency	NOUN
asir-2255	279	27	levels	level	NOUN
asir-2255	279	28	.	.	PUNCT
asir-2255	280	1	the	the	DET
asir-2255	280	2	coefficient	coefficient	NOUN
asir-2255	280	3	on	on	ADP
asir-2255	280	4	banks	bank	NOUN
asir-2255	280	5	selected	select	VERB
asir-2255	280	6	for	for	ADP
asir-2255	280	7	cross	cross	ADJ
asir-2255	280	8	-	-	ADJ
asir-2255	280	9	border	border	ADJ
asir-2255	280	10	merger	merger	NOUN
asir-2255	280	11	and	and	CCONJ
asir-2255	280	12	acquisition	acquisition	NOUN
asir-2255	280	13	,	,	PUNCT
asir-2255	280	14	select_for	select_for	ADP
asir-2255	280	15	,	,	PUNCT
asir-2255	280	16	is	be	AUX
asir-2255	280	17	highly	highly	ADV
asir-2255	280	18	significant	significant	ADJ
asir-2255	280	19	at	at	ADP
asir-2255	280	20	the	the	DET
asir-2255	280	21	1	1	NUM
asir-2255	280	22	%	%	NOUN
asir-2255	280	23	level	level	NOUN
asir-2255	280	24	with	with	ADP
asir-2255	280	25	a	a	DET
asir-2255	280	26	coefficient	coefficient	NOUN
asir-2255	280	27	of	of	ADP
asir-2255	280	28	0.7865	0.7865	NUM
asir-2255	280	29	.	.	PUNCT
asir-2255	281	1	this	this	PRON
asir-2255	281	2	suggests	suggest	VERB
asir-2255	281	3	that	that	SCONJ
asir-2255	281	4	the	the	DET
asir-2255	281	5	only	only	ADJ
asir-2255	281	6	foreign	foreign	ADJ
asir-2255	281	7	-	-	PUNCT
asir-2255	281	8	acquired	acquire	VERB
asir-2255	281	9	bank	bank	NOUN
asir-2255	281	10	has	have	AUX
asir-2255	281	11	operated	operate	VERB
asir-2255	281	12	at	at	ADP
asir-2255	281	13	a	a	DET
asir-2255	281	14	relatively	relatively	ADV
asir-2255	281	15	high	high	ADJ
asir-2255	281	16	level	level	NOUN
asir-2255	281	17	of	of	ADP
asir-2255	281	18	cost	cost	NOUN
asir-2255	281	19	efficiency	efficiency	NOUN
asir-2255	281	20	.	.	PUNCT
asir-2255	282	1	this	this	PRON
asir-2255	282	2	has	have	AUX
asir-2255	282	3	been	be	AUX
asir-2255	282	4	driven	drive	VERB
asir-2255	282	5	mainly	mainly	ADV
asir-2255	282	6	by	by	ADP
asir-2255	282	7	redundancy	redundancy	NOUN
asir-2255	282	8	programmes	programme	NOUN
asir-2255	282	9	and	and	CCONJ
asir-2255	282	10	layoffs	layoff	NOUN
asir-2255	282	11	,	,	PUNCT
asir-2255	282	12	and	and	CCONJ
asir-2255	282	13	without	without	ADP
asir-2255	282	14	branch	branch	NOUN
asir-2255	282	15	networks	network	NOUN
asir-2255	282	16	expansion	expansion	NOUN
asir-2255	282	17	following	follow	VERB
asir-2255	282	18	the	the	DET
asir-2255	282	19	acquisition	acquisition	NOUN
asir-2255	282	20	.	.	PUNCT
asir-2255	283	1	the	the	DET
asir-2255	283	2	experience	experience	NOUN
asir-2255	283	3	in	in	ADP
asir-2255	283	4	this	this	DET
asir-2255	283	5	case	case	NOUN
asir-2255	283	6	is	be	AUX
asir-2255	283	7	therefore	therefore	ADV
asir-2255	283	8	contrary	contrary	ADJ
asir-2255	283	9	to	to	ADP
asir-2255	283	10	the	the	DET
asir-2255	283	11	received	receive	VERB
asir-2255	283	12	wisdom	wisdom	NOUN
asir-2255	283	13	that	that	SCONJ
asir-2255	283	14	most	most	ADJ
asir-2255	283	15	mergers	merger	NOUN
asir-2255	283	16	and	and	CCONJ
asir-2255	283	17	acquisitions	acquisition	NOUN
asir-2255	283	18	result	result	VERB
asir-2255	283	19	in	in	ADP
asir-2255	283	20	failure	failure	NOUN
asir-2255	283	21	(	(	PUNCT
asir-2255	283	22	see	see	VERB
asir-2255	283	23	,	,	PUNCT
asir-2255	283	24	for	for	ADP
asir-2255	283	25	example	example	NOUN
asir-2255	283	26	,	,	PUNCT
asir-2255	283	27	havrylchyk	havrylchyk	NOUN
asir-2255	283	28	,	,	PUNCT
asir-2255	283	29	2006	2006	NUM
asir-2255	283	30	)	)	PUNCT
asir-2255	283	31	.	.	PUNCT
asir-2255	284	1	moreover	moreover	ADV
asir-2255	284	2	,	,	PUNCT
asir-2255	284	3	considering	consider	VERB
asir-2255	284	4	the	the	DET
asir-2255	284	5	fact	fact	NOUN
asir-2255	284	6	that	that	SCONJ
asir-2255	284	7	societele	societele	PROPN
asir-2255	284	8	generale	generale	PROPN
asir-2255	284	9	had	have	AUX
asir-2255	284	10	been	be	AUX
asir-2255	284	11	operating	operate	VERB
asir-2255	284	12	in	in	ADP
asir-2255	284	13	neighbouring	neighbouring	ADJ
asir-2255	284	14	francophone	francophone	ADJ
asir-2255	284	15	west	west	PROPN
asir-2255	284	16	african	african	ADJ
asir-2255	284	17	countries	country	NOUN
asir-2255	284	18	of	of	ADP
asir-2255	284	19	benin	benin	PROPN
asir-2255	284	20	,	,	PUNCT
asir-2255	284	21	burkina	burkina	PROPN
asir-2255	284	22	faso	faso	PROPN
asir-2255	284	23	,	,	PUNCT
asir-2255	284	24	cameroon	cameroon	PROPN
asir-2255	284	25	,	,	PUNCT
asir-2255	284	26	ivory	ivory	NOUN
asir-2255	284	27	cost	cost	NOUN
asir-2255	284	28	and	and	CCONJ
asir-2255	284	29	senegal	senegal	NOUN
asir-2255	284	30	;	;	PUNCT
asir-2255	284	31	it	it	PRON
asir-2255	284	32	had	have	VERB
asir-2255	284	33	the	the	DET
asir-2255	284	34	opportunity	opportunity	NOUN
asir-2255	284	35	of	of	ADP
asir-2255	284	36	learning	learn	VERB
asir-2255	284	37	about	about	ADP
asir-2255	284	38	the	the	DET
asir-2255	284	39	ghanaian	ghanaian	ADJ
asir-2255	284	40	banking	banking	NOUN
asir-2255	284	41	industry	industry	NOUN
asir-2255	284	42	due	due	ADP
asir-2255	284	43	to	to	ADP
asir-2255	284	44	proximity	proximity	NOUN
asir-2255	284	45	.	.	PUNCT
asir-2255	285	1	in	in	ADP
asir-2255	285	2	addition	addition	NOUN
asir-2255	285	3	,	,	PUNCT
asir-2255	285	4	the	the	DET
asir-2255	285	5	wholly	wholly	ADV
asir-2255	285	6	owned	own	VERB
asir-2255	285	7	subsidiary	subsidiary	NOUN
asir-2255	285	8	of	of	ADP
asir-2255	285	9	societele	societele	PROPN
asir-2255	285	10	generale	generale	ADJ
asir-2255	285	11	by	by	ADP
asir-2255	285	12	name	name	NOUN
asir-2255	285	13	genetifec	genetifec	NOUN
asir-2255	285	14	,	,	PUNCT
asir-2255	285	15	had	have	AUX
asir-2255	285	16	previously	previously	ADV
asir-2255	285	17	dealt	deal	VERB
asir-2255	285	18	with	with	ADP
asir-2255	285	19	the	the	DET
asir-2255	285	20	corporate	corporate	ADJ
asir-2255	285	21	shareholders	shareholder	NOUN
asir-2255	285	22	of	of	ADP
asir-2255	285	23	the	the	DET
asir-2255	285	24	acquired	acquire	VERB
asir-2255	285	25	bank	bank	NOUN
asir-2255	285	26	(	(	PUNCT
asir-2255	285	27	ssb	ssb	PROPN
asir-2255	285	28	ltd	ltd	PROPN
asir-2255	285	29	)	)	PUNCT
asir-2255	285	30	.	.	PUNCT
asir-2255	286	1	this	this	DET
asir-2255	286	2	alliance	alliance	NOUN
asir-2255	286	3	created	create	VERB
asir-2255	286	4	the	the	DET
asir-2255	286	5	opportunity	opportunity	NOUN
asir-2255	286	6	for	for	SCONJ
asir-2255	286	7	a	a	DET
asir-2255	286	8	francophone	francophone	NOUN
asir-2255	286	9	bank	bank	NOUN
asir-2255	286	10	(	(	PUNCT
asir-2255	286	11	societele	societele	PROPN
asir-2255	286	12	generale	generale	PROPN
asir-2255	286	13	)	)	PUNCT
asir-2255	286	14	to	to	PART
asir-2255	286	15	carefully	carefully	ADV
asir-2255	286	16	enter	enter	VERB
asir-2255	286	17	into	into	ADP
asir-2255	286	18	merger	merger	NOUN
asir-2255	286	19	and	and	CCONJ
asir-2255	286	20	acquisition	acquisition	NOUN
asir-2255	286	21	with	with	ADP
asir-2255	286	22	an	an	DET
asir-2255	286	23	anglophone	anglophone	ADJ
asir-2255	286	24	ghanaian	ghanaian	ADJ
asir-2255	286	25	bank	bank	NOUN
asir-2255	286	26	(	(	PUNCT
asir-2255	286	27	ssb	ssb	PROPN
asir-2255	286	28	ltd	ltd	PROPN
asir-2255	286	29	)	)	PUNCT
asir-2255	286	30	;	;	PUNCT
asir-2255	286	31	where	where	SCONJ
asir-2255	286	32	the	the	DET
asir-2255	286	33	former	former	ADJ
asir-2255	286	34	through	through	ADP
asir-2255	286	35	prior	prior	ADJ
asir-2255	286	36	experience	experience	NOUN
asir-2255	286	37	managed	manage	VERB
asir-2255	286	38	to	to	PART
asir-2255	286	39	learn	learn	VERB
asir-2255	286	40	about	about	ADP
asir-2255	286	41	the	the	DET
asir-2255	286	42	culture	culture	NOUN
asir-2255	286	43	and	and	CCONJ
asir-2255	286	44	legal	legal	ADJ
asir-2255	286	45	system	system	NOUN
asir-2255	286	46	,	,	PUNCT
asir-2255	286	47	as	as	ADV
asir-2255	286	48	well	well	ADV
asir-2255	286	49	as	as	ADP
asir-2255	286	50	the	the	DET
asir-2255	286	51	general	general	ADJ
asir-2255	286	52	business	business	NOUN
asir-2255	286	53	and	and	CCONJ
asir-2255	286	54	banking	banking	NOUN
asir-2255	286	55	environment	environment	NOUN
asir-2255	286	56	prevailing	prevail	VERB
asir-2255	286	57	in	in	ADP
asir-2255	286	58	ghana	ghana	PROPN
asir-2255	286	59	.	.	PUNCT
asir-2255	287	1	this	this	PRON
asir-2255	287	2	suggests	suggest	VERB
asir-2255	287	3	that	that	SCONJ
asir-2255	287	4	the	the	DET
asir-2255	287	5	acquirer	acquirer	NOUN
asir-2255	287	6	(	(	PUNCT
asir-2255	287	7	societele	societele	PROPN
asir-2255	287	8	generale	generale	PROPN
asir-2255	287	9	)	)	PUNCT
asir-2255	287	10	carefully	carefully	ADV
asir-2255	287	11	selected	select	VERB
asir-2255	287	12	a	a	DET
asir-2255	287	13	bank	bank	NOUN
asir-2255	287	14	(	(	PUNCT
asir-2255	287	15	ssb	ssb	PROPN
asir-2255	287	16	ltd	ltd	PROPN
asir-2255	287	17	.	.	PUNCT
asir-2255	287	18	)	)	PUNCT
asir-2255	287	19	with	with	ADP
asir-2255	287	20	a	a	DET
asir-2255	287	21	strong	strong	ADJ
asir-2255	287	22	domestic	domestic	ADJ
asir-2255	287	23	base	base	NOUN
asir-2255	287	24	for	for	ADP
asir-2255	287	25	acquisition	acquisition	NOUN
asir-2255	287	26	.	.	PUNCT
asir-2255	288	1	the	the	DET
asir-2255	288	2	ghanaian	ghanaian	ADJ
asir-2255	288	3	government	government	NOUN
asir-2255	288	4	may	may	AUX
asir-2255	288	5	also	also	ADV
asir-2255	288	6	have	have	AUX
asir-2255	288	7	exercised	exercise	VERB
asir-2255	288	8	care	care	NOUN
asir-2255	288	9	in	in	ADP
asir-2255	288	10	approving	approve	VERB
asir-2255	288	11	a	a	DET
asir-2255	288	12	foreign	foreign	ADJ
asir-2255	288	13	acquisition	acquisition	NOUN
asir-2255	288	14	,	,	PUNCT
asir-2255	288	15	in	in	ADP
asir-2255	288	16	an	an	DET
asir-2255	288	17	attempt	attempt	NOUN
asir-2255	288	18	to	to	PART
asir-2255	288	19	avoid	avoid	VERB
asir-2255	288	20	undermining	undermine	VERB
asir-2255	288	21	the	the	DET
asir-2255	288	22	reforms	reform	NOUN
asir-2255	288	23	.	.	PUNCT
asir-2255	289	1	in	in	ADP
asir-2255	289	2	examining	examine	VERB
asir-2255	289	3	the	the	DET
asir-2255	289	4	dynamic	dynamic	ADJ
asir-2255	289	5	effects	effect	NOUN
asir-2255	289	6	of	of	ADP
asir-2255	289	7	cross	cross	ADJ
asir-2255	289	8	-	-	ADJ
asir-2255	289	9	border	border	ADJ
asir-2255	289	10	merger	merger	NOUN
asir-2255	289	11	and	and	CCONJ
asir-2255	289	12	acquisition	acquisition	NOUN
asir-2255	289	13	,	,	PUNCT
asir-2255	289	14	the	the	DET
asir-2255	289	15	results	result	NOUN
asir-2255	289	16	suggests	suggest	VERB
asir-2255	289	17	that	that	SCONJ
asir-2255	289	18	neither	neither	CCONJ
asir-2255	289	19	the	the	DET
asir-2255	289	20	short	short	ADJ
asir-2255	289	21	-	-	PUNCT
asir-2255	289	22	term	term	NOUN
asir-2255	289	23	(	(	PUNCT
asir-2255	289	24	dynam_st	dynam_st	NOUN
asir-2255	289	25	)	)	PUNCT
asir-2255	289	26	nor	nor	CCONJ
asir-2255	289	27	the	the	DET
asir-2255	289	28	long	long	ADJ
asir-2255	289	29	-	-	PUNCT
asir-2255	289	30	term	term	NOUN
asir-2255	289	31	(	(	PUNCT
asir-2255	289	32	dynam_lt	dynam_lt	PROPN
asir-2255	289	33	)	)	PUNCT
asir-2255	289	34	effects	effect	NOUN
asir-2255	289	35	of	of	ADP
asir-2255	289	36	governance	governance	NOUN
asir-2255	289	37	changes	change	NOUN
asir-2255	289	38	has	have	VERB
asir-2255	289	39	any	any	DET
asir-2255	289	40	statistical	statistical	ADJ
asir-2255	289	41	significant	significant	ADJ
asir-2255	289	42	effect	effect	NOUN
asir-2255	289	43	on	on	ADP
asir-2255	289	44	measured	measure	VERB
asir-2255	289	45	cost	cost	NOUN
asir-2255	289	46	(	(	PUNCT
asir-2255	289	47	in)efficiency	in)efficiency	NOUN
asir-2255	289	48	.	.	PUNCT
asir-2255	290	1	this	this	PRON
asir-2255	290	2	is	be	AUX
asir-2255	290	3	a	a	DET
asir-2255	290	4	clear	clear	ADJ
asir-2255	290	5	indication	indication	NOUN
asir-2255	290	6	that	that	SCONJ
asir-2255	290	7	the	the	DET
asir-2255	290	8	persistence	persistence	NOUN
asir-2255	290	9	of	of	ADP
asir-2255	290	10	new	new	ADJ
asir-2255	290	11	policies	policy	NOUN
asir-2255	290	12	and	and	CCONJ
asir-2255	290	13	strategies	strategy	NOUN
asir-2255	290	14	adopted	adopt	VERB
asir-2255	290	15	by	by	ADP
asir-2255	290	16	the	the	DET
asir-2255	290	17	merged	merge	VERB
asir-2255	290	18	and	and	CCONJ
asir-2255	290	19	acquired	acquire	VERB
asir-2255	290	20	bank	bank	NOUN
asir-2255	290	21	can	can	AUX
asir-2255	290	22	only	only	ADV
asir-2255	290	23	be	be	AUX
asir-2255	290	24	fully	fully	ADV
asir-2255	290	25	realised	realise	VERB
asir-2255	290	26	after	after	ADP
asir-2255	290	27	a	a	DET
asir-2255	290	28	passage	passage	NOUN
asir-2255	290	29	of	of	ADP
asir-2255	290	30	time	time	NOUN
asir-2255	290	31	.	.	PUNCT
asir-2255	291	1	4.2.2	4.2.2	NUM
asir-2255	291	2	competition	competition	NOUN
asir-2255	291	3	as	as	ADP
asir-2255	291	4	a	a	DET
asir-2255	291	5	measure	measure	NOUN
asir-2255	291	6	of	of	ADP
asir-2255	291	7	competition	competition	NOUN
asir-2255	291	8	,	,	PUNCT
asir-2255	291	9	the	the	DET
asir-2255	291	10	universal	universal	ADJ
asir-2255	291	11	banking	bank	VERB
asir-2255	291	12	dummy	dummy	ADJ
asir-2255	291	13	variable	variable	NOUN
asir-2255	291	14	,	,	PUNCT
asir-2255	291	15	universal	universal	ADJ
asir-2255	291	16	,	,	PUNCT
asir-2255	291	17	though	though	SCONJ
asir-2255	291	18	statistically	statistically	ADV
asir-2255	291	19	insignificant	insignificant	ADJ
asir-2255	291	20	is	be	AUX
asir-2255	291	21	found	find	VERB
asir-2255	291	22	to	to	PART
asir-2255	291	23	be	be	AUX
asir-2255	291	24	positively	positively	ADV
asir-2255	291	25	related	relate	VERB
asir-2255	291	26	with	with	ADP
asir-2255	291	27	measured	measured	ADJ
asir-2255	291	28	cost	cost	NOUN
asir-2255	291	29	(	(	PUNCT
asir-2255	291	30	in)efficiency	in)efficiency	NOUN
asir-2255	291	31	.	.	PUNCT
asir-2255	292	1	as	as	SCONJ
asir-2255	292	2	mentioned	mention	VERB
asir-2255	292	3	earlier	early	ADV
asir-2255	292	4	,	,	PUNCT
asir-2255	292	5	some	some	DET
asir-2255	292	6	advocates	advocate	NOUN
asir-2255	292	7	of	of	ADP
asir-2255	292	8	universal	universal	ADJ
asir-2255	292	9	banking	banking	NOUN
asir-2255	292	10	argue	argue	VERB
asir-2255	292	11	that	that	SCONJ
asir-2255	292	12	by	by	ADP
asir-2255	292	13	despecialising	despecialise	VERB
asir-2255	292	14	development	development	NOUN
asir-2255	292	15	financial	financial	ADJ
asir-2255	292	16	institutions	institution	NOUN
asir-2255	292	17	(	(	PUNCT
asir-2255	292	18	dfis	dfis	ADJ
asir-2255	292	19	)	)	PUNCT
asir-2255	292	20	and	and	CCONJ
asir-2255	292	21	commercial	commercial	ADJ
asir-2255	292	22	banks	bank	NOUN
asir-2255	292	23	,	,	PUNCT
asir-2255	292	24	competition	competition	NOUN
asir-2255	292	25	could	could	AUX
asir-2255	292	26	be	be	AUX
asir-2255	292	27	stimulated	stimulate	VERB
asir-2255	292	28	.	.	PUNCT
asir-2255	293	1	the	the	DET
asir-2255	293	2	result	result	NOUN
asir-2255	293	3	of	of	ADP
asir-2255	293	4	this	this	DET
asir-2255	293	5	study	study	NOUN
asir-2255	293	6	is	be	AUX
asir-2255	293	7	found	find	VERB
asir-2255	293	8	to	to	PART
asir-2255	293	9	be	be	AUX
asir-2255	293	10	inconsistent	inconsistent	ADJ
asir-2255	293	11	with	with	ADP
asir-2255	293	12	this	this	DET
asir-2255	293	13	argument	argument	NOUN
asir-2255	293	14	,	,	PUNCT
asir-2255	293	15	which	which	PRON
asir-2255	293	16	may	may	AUX
asir-2255	293	17	stem	stem	VERB
asir-2255	293	18	from	from	ADP
asir-2255	293	19	the	the	DET
asir-2255	293	20	fact	fact	NOUN
asir-2255	293	21	that	that	SCONJ
asir-2255	293	22	before	before	SCONJ
asir-2255	293	23	the	the	DET
asir-2255	293	24	ghanaian	ghanaian	ADJ
asir-2255	293	25	authority	authority	NOUN
asir-2255	293	26	replaced	replace	VERB
asir-2255	293	27	the	the	DET
asir-2255	293	28	3	3	NUM
asir-2255	293	29	-	-	PUNCT
asir-2255	293	30	pillar	pillar	NOUN
asir-2255	293	31	banking	banking	NOUN
asir-2255	293	32	model	model	NOUN
asir-2255	293	33	(	(	PUNCT
asir-2255	293	34	development	development	NOUN
asir-2255	293	35	,	,	PUNCT
asir-2255	293	36	merchant	merchant	NOUN
asir-2255	293	37	and	and	CCONJ
asir-2255	293	38	commercial	commercial	ADJ
asir-2255	293	39	banking	banking	NOUN
asir-2255	293	40	)	)	PUNCT
asir-2255	293	41	with	with	ADP
asir-2255	293	42	universal	universal	ADJ
asir-2255	293	43	banking	banking	NOUN
asir-2255	293	44	in	in	ADP
asir-2255	293	45	2003	2003	NUM
asir-2255	293	46	,	,	PUNCT
asir-2255	293	47	banks	bank	NOUN
asir-2255	293	48	were	be	AUX
asir-2255	293	49	already	already	ADV
asir-2255	293	50	engaged	engage	VERB
asir-2255	293	51	with	with	ADP
asir-2255	293	52	universal	universal	ADJ
asir-2255	293	53	banking	banking	NOUN
asir-2255	293	54	activities	activity	NOUN
asir-2255	293	55	to	to	ADP
asir-2255	293	56	some	some	DET
asir-2255	293	57	extent	extent	NOUN
asir-2255	293	58	before	before	SCONJ
asir-2255	293	59	their	their	PRON
asir-2255	293	60	licenses	license	NOUN
asir-2255	293	61	were	be	AUX
asir-2255	293	62	officially	officially	ADV
asir-2255	293	63	changed	change	VERB
asir-2255	293	64	.	.	PUNCT
asir-2255	294	1	one	one	PRON
asir-2255	294	2	can	can	AUX
asir-2255	294	3	argue	argue	VERB
asir-2255	294	4	from	from	ADP
asir-2255	294	5	this	this	DET
asir-2255	294	6	perspective	perspective	NOUN
asir-2255	294	7	that	that	SCONJ
asir-2255	294	8	financial	financial	ADJ
asir-2255	294	9	liberalisation	liberalisation	NOUN
asir-2255	294	10	has	have	AUX
asir-2255	294	11	had	have	VERB
asir-2255	294	12	only	only	ADV
asir-2255	294	13	a	a	DET
asir-2255	294	14	limited	limited	ADJ
asir-2255	294	15	effect	effect	NOUN
asir-2255	294	16	on	on	ADP
asir-2255	294	17	competition	competition	NOUN
asir-2255	294	18	,	,	PUNCT
asir-2255	294	19	because	because	SCONJ
asir-2255	294	20	to	to	ADP
asir-2255	294	21	a	a	DET
asir-2255	294	22	large	large	ADJ
asir-2255	294	23	extent	extent	NOUN
asir-2255	294	24	banks	bank	NOUN
asir-2255	294	25	continue	continue	VERB
asir-2255	294	26	to	to	PART
asir-2255	294	27	practice	practice	VERB
asir-2255	294	28	what	what	PRON
asir-2255	294	29	they	they	PRON
asir-2255	294	30	used	use	VERB
asir-2255	294	31	to	to	ADP
asir-2255	294	32	before	before	ADP
asir-2255	294	33	the	the	DET
asir-2255	294	34	reforms	reform	NOUN
asir-2255	294	35	.	.	PUNCT
asir-2255	295	1	4.2.3	4.2.3	NUM
asir-2255	295	2	bank	bank	NOUN
asir-2255	295	3	size	size	NOUN
asir-2255	295	4	the	the	DET
asir-2255	295	5	result	result	NOUN
asir-2255	295	6	shows	show	VERB
asir-2255	295	7	that	that	SCONJ
asir-2255	295	8	measured	measure	VERB
asir-2255	295	9	cost	cost	NOUN
asir-2255	295	10	(	(	PUNCT
asir-2255	295	11	in)efficiency	in)efficiency	NOUN
asir-2255	295	12	is	be	AUX
asir-2255	295	13	inversely	inversely	ADV
asir-2255	295	14	related	relate	VERB
asir-2255	295	15	to	to	ADP
asir-2255	295	16	bank	bank	NOUN
asir-2255	295	17	size	size	NOUN
asir-2255	295	18	,	,	PUNCT
asir-2255	295	19	logassets	logasset	NOUN
asir-2255	295	20	.	.	PUNCT
asir-2255	296	1	the	the	DET
asir-2255	296	2	coefficient	coefficient	NOUN
asir-2255	296	3	is	be	AUX
asir-2255	296	4	significant	significant	ADJ
asir-2255	296	5	at	at	ADP
asir-2255	296	6	the	the	DET
asir-2255	296	7	1	1	NUM
asir-2255	296	8	%	%	NOUN
asir-2255	296	9	level	level	NOUN
asir-2255	296	10	.	.	PUNCT
asir-2255	297	1	though	though	SCONJ
asir-2255	297	2	the	the	DET
asir-2255	297	3	established	establish	VERB
asir-2255	297	4	literature	literature	NOUN
asir-2255	297	5	offers	offer	VERB
asir-2255	297	6	no	no	DET
asir-2255	297	7	consensus	consensus	NOUN
asir-2255	297	8	on	on	ADP
asir-2255	297	9	this	this	DET
asir-2255	297	10	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	297	11	applied	apply	VERB
asir-2255	297	12	science	science	NOUN
asir-2255	297	13	and	and	CCONJ
asir-2255	297	14	innovative	innovative	ADJ
asir-2255	297	15	research	research	NOUN
asir-2255	297	16	vol	vol	NOUN
asir-2255	297	17	.	.	PUNCT
asir-2255	298	1	3	3	NUM
asir-2255	298	2	,	,	PUNCT
asir-2255	298	3	no	no	INTJ
asir-2255	298	4	.	.	NOUN
asir-2255	298	5	3	3	NUM
asir-2255	298	6	,	,	PUNCT
asir-2255	298	7	2019	2019	NUM
asir-2255	298	8	206	206	NUM
asir-2255	298	9	published	publish	VERB
asir-2255	298	10	by	by	ADP
asir-2255	298	11	scholink	scholink	PROPN
asir-2255	298	12	inc	inc	PROPN
asir-2255	298	13	.	.	PROPN
asir-2255	298	14	issue	issue	PROPN
asir-2255	298	15	,	,	PUNCT
asir-2255	298	16	there	there	PRON
asir-2255	298	17	is	be	VERB
asir-2255	298	18	evidence	evidence	NOUN
asir-2255	298	19	from	from	ADP
asir-2255	298	20	this	this	DET
asir-2255	298	21	study	study	NOUN
asir-2255	298	22	that	that	SCONJ
asir-2255	298	23	larger	large	ADJ
asir-2255	298	24	banks	bank	NOUN
asir-2255	298	25	are	be	AUX
asir-2255	298	26	significantly	significantly	ADV
asir-2255	298	27	better	well	ADJ
asir-2255	298	28	at	at	ADP
asir-2255	298	29	managing	manage	VERB
asir-2255	298	30	their	their	PRON
asir-2255	298	31	costs	cost	NOUN
asir-2255	298	32	than	than	ADP
asir-2255	298	33	smaller	small	ADJ
asir-2255	298	34	institutions	institution	NOUN
asir-2255	298	35	.	.	PUNCT
asir-2255	299	1	this	this	PRON
asir-2255	299	2	is	be	AUX
asir-2255	299	3	consistent	consistent	ADJ
asir-2255	299	4	with	with	ADP
asir-2255	299	5	the	the	DET
asir-2255	299	6	conventional	conventional	ADJ
asir-2255	299	7	wisdom	wisdom	NOUN
asir-2255	299	8	which	which	PRON
asir-2255	299	9	assumes	assume	VERB
asir-2255	299	10	that	that	SCONJ
asir-2255	299	11	as	as	SCONJ
asir-2255	299	12	banks	bank	NOUN
asir-2255	299	13	grow	grow	VERB
asir-2255	299	14	larger	large	ADJ
asir-2255	299	15	,	,	PUNCT
asir-2255	299	16	they	they	PRON
asir-2255	299	17	are	be	AUX
asir-2255	299	18	expected	expect	VERB
asir-2255	299	19	to	to	PART
asir-2255	299	20	control	control	VERB
asir-2255	299	21	costs	cost	NOUN
asir-2255	299	22	more	more	ADV
asir-2255	299	23	effectively	effectively	ADV
asir-2255	299	24	.	.	PUNCT
asir-2255	300	1	5	5	X
asir-2255	300	2	.	.	X
asir-2255	300	3	conclusion	conclusion	NOUN
asir-2255	300	4	to	to	PART
asir-2255	300	5	examine	examine	VERB
asir-2255	300	6	the	the	DET
asir-2255	300	7	effects	effect	NOUN
asir-2255	300	8	of	of	ADP
asir-2255	300	9	financial	financial	ADJ
asir-2255	300	10	liberalisation	liberalisation	NOUN
asir-2255	300	11	in	in	ADP
asir-2255	300	12	ghana	ghana	PROPN
asir-2255	300	13	,	,	PUNCT
asir-2255	300	14	i	i	PRON
asir-2255	300	15	empirically	empirically	ADV
asir-2255	300	16	investigate	investigate	VERB
asir-2255	300	17	the	the	DET
asir-2255	300	18	efficiency	efficiency	NOUN
asir-2255	300	19	of	of	ADP
asir-2255	300	20	its	its	PRON
asir-2255	300	21	banking	banking	NOUN
asir-2255	300	22	system	system	NOUN
asir-2255	300	23	from	from	ADP
asir-2255	300	24	the	the	DET
asir-2255	300	25	period	period	NOUN
asir-2255	300	26	1997	1997	NUM
asir-2255	300	27	to	to	ADP
asir-2255	300	28	2008	2008	NUM
asir-2255	300	29	.	.	PUNCT
asir-2255	301	1	initially	initially	ADV
asir-2255	301	2	,	,	PUNCT
asir-2255	301	3	i	i	PRON
asir-2255	301	4	focus	focus	VERB
asir-2255	301	5	on	on	ADP
asir-2255	301	6	the	the	DET
asir-2255	301	7	cost	cost	NOUN
asir-2255	301	8	efficiency	efficiency	NOUN
asir-2255	301	9	of	of	ADP
asir-2255	301	10	banks	bank	NOUN
asir-2255	301	11	to	to	PART
asir-2255	301	12	show	show	VERB
asir-2255	301	13	the	the	DET
asir-2255	301	14	degree	degree	NOUN
asir-2255	301	15	of	of	ADP
asir-2255	301	16	progress	progress	NOUN
asir-2255	301	17	that	that	PRON
asir-2255	301	18	has	have	AUX
asir-2255	301	19	been	be	AUX
asir-2255	301	20	made	make	VERB
asir-2255	301	21	in	in	ADP
asir-2255	301	22	the	the	DET
asir-2255	301	23	banking	banking	NOUN
asir-2255	301	24	sector	sector	NOUN
asir-2255	301	25	after	after	ADP
asir-2255	301	26	liberalisation	liberalisation	NOUN
asir-2255	301	27	.	.	PUNCT
asir-2255	302	1	this	this	PRON
asir-2255	302	2	is	be	AUX
asir-2255	302	3	based	base	VERB
asir-2255	302	4	on	on	ADP
asir-2255	302	5	the	the	DET
asir-2255	302	6	expectation	expectation	NOUN
asir-2255	302	7	that	that	SCONJ
asir-2255	302	8	greater	great	ADJ
asir-2255	302	9	cost	cost	NOUN
asir-2255	302	10	efficiency	efficiency	NOUN
asir-2255	302	11	should	should	AUX
asir-2255	302	12	be	be	AUX
asir-2255	302	13	associated	associate	VERB
asir-2255	302	14	with	with	ADP
asir-2255	302	15	improved	improve	VERB
asir-2255	302	16	banking	banking	NOUN
asir-2255	302	17	practices	practice	NOUN
asir-2255	302	18	and	and	CCONJ
asir-2255	302	19	better	well	ADJ
asir-2255	302	20	functioning	function	VERB
asir-2255	302	21	institutions	institution	NOUN
asir-2255	302	22	through	through	ADP
asir-2255	302	23	the	the	DET
asir-2255	302	24	market	market	NOUN
asir-2255	302	25	structure	structure	NOUN
asir-2255	302	26	and	and	CCONJ
asir-2255	302	27	regulatory	regulatory	ADJ
asir-2255	302	28	framework	framework	NOUN
asir-2255	302	29	under	under	ADP
asir-2255	302	30	which	which	PRON
asir-2255	302	31	banks	bank	NOUN
asir-2255	302	32	operate	operate	VERB
asir-2255	302	33	.	.	PUNCT
asir-2255	303	1	the	the	DET
asir-2255	303	2	evidence	evidence	NOUN
asir-2255	303	3	of	of	ADP
asir-2255	303	4	these	these	DET
asir-2255	303	5	results	result	NOUN
asir-2255	303	6	suggests	suggest	VERB
asir-2255	303	7	the	the	DET
asir-2255	303	8	need	need	NOUN
asir-2255	303	9	for	for	SCONJ
asir-2255	303	10	new	new	ADJ
asir-2255	303	11	foreign	foreign	ADJ
asir-2255	303	12	banks	bank	NOUN
asir-2255	303	13	to	to	PART
asir-2255	303	14	develop	develop	VERB
asir-2255	303	15	understanding	understanding	NOUN
asir-2255	303	16	of	of	ADP
asir-2255	303	17	the	the	DET
asir-2255	303	18	local	local	ADJ
asir-2255	303	19	conditions	condition	NOUN
asir-2255	303	20	before	before	SCONJ
asir-2255	303	21	they	they	PRON
asir-2255	303	22	can	can	AUX
asir-2255	303	23	adequately	adequately	ADV
asir-2255	303	24	compete	compete	VERB
asir-2255	303	25	with	with	ADP
asir-2255	303	26	their	their	PRON
asir-2255	303	27	established	establish	VERB
asir-2255	303	28	foreign	foreign	ADJ
asir-2255	303	29	peers	peer	NOUN
asir-2255	303	30	.	.	PUNCT
asir-2255	304	1	moreover	moreover	ADV
asir-2255	304	2	,	,	PUNCT
asir-2255	304	3	considering	consider	VERB
asir-2255	304	4	the	the	DET
asir-2255	304	5	high	high	ADJ
asir-2255	304	6	contribution	contribution	NOUN
asir-2255	304	7	to	to	PART
asir-2255	304	8	cost	cost	VERB
asir-2255	304	9	efficiency	efficiency	NOUN
asir-2255	304	10	of	of	ADP
asir-2255	304	11	the	the	DET
asir-2255	304	12	established	establish	VERB
asir-2255	304	13	foreign	foreign	NOUN
asir-2255	304	14	-	-	PUNCT
asir-2255	304	15	owned	own	VERB
asir-2255	304	16	banks	bank	NOUN
asir-2255	304	17	and	and	CCONJ
asir-2255	304	18	their	their	PRON
asir-2255	304	19	long	long	ADJ
asir-2255	304	20	-	-	PUNCT
asir-2255	304	21	term	term	NOUN
asir-2255	304	22	presence	presence	NOUN
asir-2255	304	23	in	in	ADP
asir-2255	304	24	ghana	ghana	PROPN
asir-2255	304	25	,	,	PUNCT
asir-2255	304	26	i	i	PRON
asir-2255	304	27	suggest	suggest	VERB
asir-2255	304	28	that	that	SCONJ
asir-2255	304	29	the	the	DET
asir-2255	304	30	full	full	ADJ
asir-2255	304	31	benefits	benefit	NOUN
asir-2255	304	32	of	of	ADP
asir-2255	304	33	foreign	foreign	ADJ
asir-2255	304	34	entry	entry	NOUN
asir-2255	304	35	should	should	AUX
asir-2255	304	36	materialise	materialise	VERB
asir-2255	304	37	gradually	gradually	ADV
asir-2255	304	38	over	over	ADP
asir-2255	304	39	time	time	NOUN
asir-2255	304	40	.	.	PUNCT
asir-2255	305	1	also	also	ADV
asir-2255	305	2	,	,	PUNCT
asir-2255	305	3	it	it	PRON
asir-2255	305	4	may	may	AUX
asir-2255	305	5	take	take	VERB
asir-2255	305	6	longer	long	ADV
asir-2255	305	7	for	for	ADP
asir-2255	305	8	smaller	small	ADJ
asir-2255	305	9	banks	bank	NOUN
asir-2255	305	10	,	,	PUNCT
asir-2255	305	11	especially	especially	ADV
asir-2255	305	12	foreign	foreign	ADJ
asir-2255	305	13	-	-	PUNCT
asir-2255	305	14	owned	own	VERB
asir-2255	305	15	banks	bank	NOUN
asir-2255	305	16	that	that	PRON
asir-2255	305	17	have	have	AUX
asir-2255	305	18	recently	recently	ADV
asir-2255	305	19	entered	enter	VERB
asir-2255	305	20	the	the	DET
asir-2255	305	21	market	market	NOUN
asir-2255	305	22	,	,	PUNCT
asir-2255	305	23	to	to	PART
asir-2255	305	24	compete	compete	VERB
asir-2255	305	25	with	with	ADP
asir-2255	305	26	the	the	DET
asir-2255	305	27	long	long	ADV
asir-2255	305	28	-	-	PUNCT
asir-2255	305	29	established	establish	VERB
asir-2255	305	30	larger	large	ADJ
asir-2255	305	31	institutions	institution	NOUN
asir-2255	305	32	that	that	PRON
asir-2255	305	33	have	have	AUX
asir-2255	305	34	used	use	VERB
asir-2255	305	35	their	their	PRON
asir-2255	305	36	knowledge	knowledge	NOUN
asir-2255	305	37	of	of	ADP
asir-2255	305	38	local	local	ADJ
asir-2255	305	39	conditions	condition	NOUN
asir-2255	305	40	,	,	PUNCT
asir-2255	305	41	coupled	couple	VERB
asir-2255	305	42	with	with	ADP
asir-2255	305	43	the	the	DET
asir-2255	305	44	restructuring	restructure	VERB
asir-2255	305	45	exercise	exercise	NOUN
asir-2255	305	46	,	,	PUNCT
asir-2255	305	47	to	to	PART
asir-2255	305	48	improve	improve	VERB
asir-2255	305	49	their	their	PRON
asir-2255	305	50	cost	cost	NOUN
asir-2255	305	51	efficiency	efficiency	NOUN
asir-2255	305	52	.	.	PUNCT
asir-2255	306	1	however	however	ADV
asir-2255	306	2	,	,	PUNCT
asir-2255	306	3	i	i	PRON
asir-2255	306	4	recommend	recommend	VERB
asir-2255	306	5	that	that	SCONJ
asir-2255	306	6	the	the	DET
asir-2255	306	7	banking	banking	NOUN
asir-2255	306	8	market	market	NOUN
asir-2255	306	9	should	should	AUX
asir-2255	306	10	remain	remain	VERB
asir-2255	306	11	open	open	ADJ
asir-2255	306	12	to	to	ADP
asir-2255	306	13	entry	entry	NOUN
asir-2255	306	14	,	,	PUNCT
asir-2255	306	15	and	and	CCONJ
asir-2255	306	16	allow	allow	VERB
asir-2255	306	17	for	for	ADP
asir-2255	306	18	market	market	NOUN
asir-2255	306	19	-	-	PUNCT
asir-2255	306	20	led	lead	VERB
asir-2255	306	21	consolidation	consolidation	NOUN
asir-2255	306	22	of	of	ADP
asir-2255	306	23	smaller	small	ADJ
asir-2255	306	24	institutions	institution	NOUN
asir-2255	306	25	.	.	PUNCT
asir-2255	307	1	with	with	ADP
asir-2255	307	2	the	the	DET
asir-2255	307	3	minimum	minimum	ADJ
asir-2255	307	4	capital	capital	NOUN
asir-2255	307	5	requirements	requirement	NOUN
asir-2255	307	6	raised	raise	VERB
asir-2255	307	7	by	by	ADP
asir-2255	307	8	the	the	DET
asir-2255	307	9	monetary	monetary	ADJ
asir-2255	307	10	authority	authority	NOUN
asir-2255	307	11	,	,	PUNCT
asir-2255	307	12	and	and	CCONJ
asir-2255	307	13	expected	expect	VERB
asir-2255	307	14	to	to	PART
asir-2255	307	15	be	be	AUX
asir-2255	307	16	reached	reach	VERB
asir-2255	307	17	during	during	ADP
asir-2255	307	18	the	the	DET
asir-2255	307	19	period	period	NOUN
asir-2255	307	20	2009	2009	NUM
asir-2255	307	21	-	-	SYM
asir-2255	307	22	2012	2012	NUM
asir-2255	307	23	,	,	PUNCT
asir-2255	307	24	i	i	PRON
asir-2255	307	25	envisage	envisage	VERB
asir-2255	307	26	that	that	SCONJ
asir-2255	307	27	further	further	ADJ
asir-2255	307	28	consolidation	consolidation	NOUN
asir-2255	307	29	of	of	ADP
asir-2255	307	30	smaller	small	ADJ
asir-2255	307	31	institutions	institution	NOUN
asir-2255	307	32	is	be	AUX
asir-2255	307	33	a	a	DET
asir-2255	307	34	likely	likely	ADJ
asir-2255	307	35	future	future	ADJ
asir-2255	307	36	development	development	NOUN
asir-2255	307	37	.	.	PUNCT
asir-2255	308	1	i	i	PRON
asir-2255	308	2	therefore	therefore	ADV
asir-2255	308	3	suggest	suggest	VERB
asir-2255	308	4	that	that	SCONJ
asir-2255	308	5	smaller	small	ADJ
asir-2255	308	6	banks	bank	NOUN
asir-2255	308	7	,	,	PUNCT
asir-2255	308	8	especially	especially	ADV
asir-2255	308	9	foreign	foreign	ADV
asir-2255	308	10	-	-	PUNCT
asir-2255	308	11	owned	own	VERB
asir-2255	308	12	,	,	PUNCT
asir-2255	308	13	could	could	AUX
asir-2255	308	14	be	be	AUX
asir-2255	308	15	encouraged	encourage	VERB
asir-2255	308	16	to	to	PART
asir-2255	308	17	merge	merge	VERB
asir-2255	308	18	with	with	ADP
asir-2255	308	19	established	establish	VERB
asir-2255	308	20	non	non	ADJ
asir-2255	308	21	-	-	ADJ
asir-2255	308	22	bank	bank	ADJ
asir-2255	308	23	financial	financial	ADJ
asir-2255	308	24	institutions	institution	NOUN
asir-2255	308	25	that	that	PRON
asir-2255	308	26	have	have	VERB
asir-2255	308	27	adequate	adequate	ADJ
asir-2255	308	28	knowledge	knowledge	NOUN
asir-2255	308	29	of	of	ADP
asir-2255	308	30	local	local	ADJ
asir-2255	308	31	conditions	condition	NOUN
asir-2255	308	32	.	.	PUNCT
asir-2255	309	1	one	one	NUM
asir-2255	309	2	such	such	ADJ
asir-2255	309	3	merger	merger	NOUN
asir-2255	309	4	(	(	PUNCT
asir-2255	309	5	ut	ut	PROPN
asir-2255	309	6	financial	financial	PROPN
asir-2255	309	7	services	services	PROPN
asir-2255	309	8	and	and	CCONJ
asir-2255	309	9	bpi	bpi	PROPN
asir-2255	309	10	bank	bank	PROPN
asir-2255	309	11	)	)	PUNCT
asir-2255	309	12	has	have	AUX
asir-2255	309	13	been	be	AUX
asir-2255	309	14	in	in	ADP
asir-2255	309	15	progress	progress	NOUN
asir-2255	309	16	at	at	ADP
asir-2255	309	17	the	the	DET
asir-2255	309	18	time	time	NOUN
asir-2255	309	19	the	the	DET
asir-2255	309	20	writing	writing	NOUN
asir-2255	309	21	of	of	ADP
asir-2255	309	22	this	this	DET
asir-2255	309	23	paper	paper	NOUN
asir-2255	309	24	was	be	AUX
asir-2255	309	25	in	in	ADP
asir-2255	309	26	progress	progress	NOUN
asir-2255	309	27	.	.	PUNCT
asir-2255	310	1	in	in	ADP
asir-2255	310	2	the	the	DET
asir-2255	310	3	future	future	NOUN
asir-2255	310	4	,	,	PUNCT
asir-2255	310	5	we	we	PRON
asir-2255	310	6	expect	expect	VERB
asir-2255	310	7	the	the	DET
asir-2255	310	8	so	so	ADV
asir-2255	310	9	-	-	PUNCT
asir-2255	310	10	called	call	VERB
asir-2255	310	11	“	"	PUNCT
asir-2255	310	12	big	big	ADJ
asir-2255	310	13	giants	giant	NOUN
asir-2255	310	14	”	"	PUNCT
asir-2255	310	15	,	,	PUNCT
asir-2255	310	16	which	which	PRON
asir-2255	310	17	have	have	VERB
asir-2255	310	18	long	long	ADJ
asir-2255	310	19	-	-	PUNCT
asir-2255	310	20	term	term	NOUN
asir-2255	310	21	experience	experience	NOUN
asir-2255	310	22	in	in	ADP
asir-2255	310	23	the	the	DET
asir-2255	310	24	ghanaian	ghanaian	ADJ
asir-2255	310	25	banking	banking	NOUN
asir-2255	310	26	industry	industry	NOUN
asir-2255	310	27	,	,	PUNCT
asir-2255	310	28	to	to	PART
asir-2255	310	29	face	face	VERB
asir-2255	310	30	enhanced	enhanced	ADJ
asir-2255	310	31	levels	level	NOUN
asir-2255	310	32	of	of	ADP
asir-2255	310	33	competition	competition	NOUN
asir-2255	310	34	.	.	PUNCT
asir-2255	311	1	from	from	ADP
asir-2255	311	2	a	a	DET
asir-2255	311	3	policy	policy	NOUN
asir-2255	311	4	point	point	NOUN
asir-2255	311	5	of	of	ADP
asir-2255	311	6	view	view	NOUN
asir-2255	311	7	,	,	PUNCT
asir-2255	311	8	i	i	PRON
asir-2255	311	9	conclude	conclude	VERB
asir-2255	311	10	that	that	SCONJ
asir-2255	311	11	even	even	ADV
asir-2255	311	12	a	a	DET
asir-2255	311	13	liberalised	liberalise	VERB
asir-2255	311	14	financial	financial	ADJ
asir-2255	311	15	system	system	NOUN
asir-2255	311	16	can	can	AUX
asir-2255	311	17	not	not	PART
asir-2255	311	18	be	be	AUX
asir-2255	311	19	characterised	characterise	VERB
asir-2255	311	20	by	by	ADP
asir-2255	311	21	perfect	perfect	ADJ
asir-2255	311	22	competition	competition	NOUN
asir-2255	311	23	,	,	PUNCT
asir-2255	311	24	because	because	SCONJ
asir-2255	311	25	of	of	ADP
asir-2255	311	26	the	the	DET
asir-2255	311	27	need	need	NOUN
asir-2255	311	28	for	for	ADP
asir-2255	311	29	risk	risk	NOUN
asir-2255	311	30	pooling	pooling	NOUN
asir-2255	311	31	.	.	PUNCT
asir-2255	312	1	at	at	ADP
asir-2255	312	2	best	well	ADV
asir-2255	312	3	,	,	PUNCT
asir-2255	312	4	a	a	DET
asir-2255	312	5	liberalised	liberalise	VERB
asir-2255	312	6	system	system	NOUN
asir-2255	312	7	can	can	AUX
asir-2255	312	8	achieve	achieve	VERB
asir-2255	312	9	a	a	DET
asir-2255	312	10	form	form	NOUN
asir-2255	312	11	of	of	ADP
asir-2255	312	12	oligopolistic	oligopolistic	ADJ
asir-2255	312	13	competition	competition	NOUN
asir-2255	312	14	that	that	PRON
asir-2255	312	15	tolerates	tolerate	VERB
asir-2255	312	16	some	some	DET
asir-2255	312	17	degree	degree	NOUN
asir-2255	312	18	of	of	ADP
asir-2255	312	19	functional	functional	ADJ
asir-2255	312	20	inefficiency	inefficiency	NOUN
asir-2255	312	21	.	.	PUNCT
asir-2255	313	1	thus	thus	ADV
asir-2255	313	2	,	,	PUNCT
asir-2255	313	3	the	the	DET
asir-2255	313	4	cost	cost	NOUN
asir-2255	313	5	of	of	ADP
asir-2255	313	6	financial	financial	ADJ
asir-2255	313	7	services	service	NOUN
asir-2255	313	8	might	might	AUX
asir-2255	313	9	decline	decline	VERB
asir-2255	313	10	less	less	ADJ
asir-2255	313	11	than	than	SCONJ
asir-2255	313	12	it	it	PRON
asir-2255	313	13	would	would	AUX
asir-2255	313	14	under	under	ADP
asir-2255	313	15	perfect	perfect	ADJ
asir-2255	313	16	competition	competition	NOUN
asir-2255	313	17	.	.	PUNCT
asir-2255	314	1	references	reference	NOUN
asir-2255	314	2	amsden	amsden	ADJ
asir-2255	314	3	,	,	PUNCT
asir-2255	314	4	a.	a.	PROPN
asir-2255	314	5	h.	h.	PROPN
asir-2255	314	6	,	,	PUNCT
asir-2255	314	7	&	&	CCONJ
asir-2255	314	8	euh	euh	PROPN
asir-2255	314	9	,	,	PUNCT
asir-2255	314	10	y.	y.	PROPN
asir-2255	314	11	d.	d.	PROPN
asir-2255	314	12	(	(	PUNCT
asir-2255	314	13	1993	1993	NUM
asir-2255	314	14	)	)	PUNCT
asir-2255	314	15	.	.	PUNCT
asir-2255	315	1	south	south	PROPN
asir-2255	315	2	korea	korea	PROPN
asir-2255	315	3	’s	’s	PART
asir-2255	315	4	1980s	1980	NOUN
asir-2255	315	5	financial	financial	ADJ
asir-2255	315	6	reforms	reform	NOUN
asir-2255	315	7	:	:	PUNCT
asir-2255	315	8	good	good	ADJ
asir-2255	315	9	-	-	PUNCT
asir-2255	315	10	bye	bye	INTJ
asir-2255	315	11	financial	financial	ADJ
asir-2255	315	12	repression	repression	NOUN
asir-2255	315	13	(	(	PUNCT
asir-2255	315	14	maybe	maybe	ADV
asir-2255	315	15	)	)	PUNCT
asir-2255	315	16	,	,	PUNCT
asir-2255	315	17	hello	hello	INTJ
asir-2255	315	18	new	new	ADJ
asir-2255	315	19	institutional	institutional	ADJ
asir-2255	315	20	restraints	restraint	NOUN
asir-2255	315	21	.	.	PUNCT
asir-2255	316	1	world	world	NOUN
asir-2255	316	2	development	development	PROPN
asir-2255	316	3	,	,	PUNCT
asir-2255	316	4	21	21	NUM
asir-2255	316	5	,	,	PUNCT
asir-2255	316	6	379	379	NUM
asir-2255	316	7	-	-	SYM
asir-2255	316	8	390	390	NUM
asir-2255	316	9	.	.	PUNCT
asir-2255	317	1	https://doi.org/10.1016/0305-750x(93)90151-x	https://doi.org/10.1016/0305-750x(93)90151-x	NOUN
asir-2255	317	2	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	317	3	applied	apply	VERB
asir-2255	317	4	science	science	NOUN
asir-2255	317	5	and	and	CCONJ
asir-2255	317	6	innovative	innovative	ADJ
asir-2255	317	7	research	research	NOUN
asir-2255	317	8	vol	vol	NOUN
asir-2255	317	9	.	.	PUNCT
asir-2255	318	1	3	3	NUM
asir-2255	318	2	,	,	PUNCT
asir-2255	318	3	no	no	INTJ
asir-2255	318	4	.	.	NOUN
asir-2255	318	5	3	3	NUM
asir-2255	318	6	,	,	PUNCT
asir-2255	318	7	2019	2019	NUM
asir-2255	318	8	207	207	NUM
asir-2255	318	9	published	publish	VERB
asir-2255	318	10	by	by	ADP
asir-2255	318	11	scholink	scholink	PROPN
asir-2255	318	12	inc	inc	PROPN
asir-2255	318	13	.	.	PROPN
asir-2255	318	14	asaftei	asaftei	PROPN
asir-2255	318	15	,	,	PUNCT
asir-2255	318	16	g.	g.	PROPN
asir-2255	318	17	(	(	PUNCT
asir-2255	318	18	2008	2008	NUM
asir-2255	318	19	)	)	PUNCT
asir-2255	318	20	.	.	PUNCT
asir-2255	319	1	the	the	DET
asir-2255	319	2	contribution	contribution	NOUN
asir-2255	319	3	of	of	ADP
asir-2255	319	4	product	product	NOUN
asir-2255	319	5	mix	mix	NOUN
asir-2255	319	6	versus	versus	ADP
asir-2255	319	7	efficiency	efficiency	NOUN
asir-2255	319	8	and	and	CCONJ
asir-2255	319	9	technical	technical	ADJ
asir-2255	319	10	change	change	NOUN
asir-2255	319	11	in	in	ADP
asir-2255	319	12	us	us	PROPN
asir-2255	319	13	banking	banking	NOUN
asir-2255	319	14	.	.	PUNCT
asir-2255	320	1	journal	journal	PROPN
asir-2255	320	2	of	of	ADP
asir-2255	320	3	banking	banking	NOUN
asir-2255	320	4	and	and	CCONJ
asir-2255	320	5	finance	finance	NOUN
asir-2255	320	6	,	,	PUNCT
asir-2255	320	7	32	32	NUM
asir-2255	320	8	,	,	PUNCT
asir-2255	320	9	2336	2336	NUM
asir-2255	320	10	-	-	SYM
asir-2255	320	11	2345	2345	NUM
asir-2255	320	12	.	.	PUNCT
asir-2255	321	1	https://doi.org/10.1016/j.jbankfin.2007.09.026	https://doi.org/10.1016/j.jbankfin.2007.09.026	PROPN
asir-2255	321	2	ataullah	ataullah	PROPN
asir-2255	321	3	,	,	PUNCT
asir-2255	321	4	a.	a.	PROPN
asir-2255	321	5	,	,	PUNCT
asir-2255	321	6	&	&	CCONJ
asir-2255	321	7	le	le	PROPN
asir-2255	321	8	,	,	PUNCT
asir-2255	321	9	h.	h.	PROPN
asir-2255	321	10	(	(	PUNCT
asir-2255	321	11	2006	2006	NUM
asir-2255	321	12	)	)	PUNCT
asir-2255	321	13	.	.	PUNCT
asir-2255	322	1	economic	economic	ADJ
asir-2255	322	2	reforms	reform	NOUN
asir-2255	322	3	and	and	CCONJ
asir-2255	322	4	bank	bank	NOUN
asir-2255	322	5	efficiency	efficiency	NOUN
asir-2255	322	6	in	in	ADP
asir-2255	322	7	developing	develop	VERB
asir-2255	322	8	countries	country	NOUN
asir-2255	322	9	:	:	PUNCT
asir-2255	322	10	the	the	DET
asir-2255	322	11	case	case	NOUN
asir-2255	322	12	of	of	ADP
asir-2255	322	13	the	the	DET
asir-2255	322	14	indian	indian	ADJ
asir-2255	322	15	banking	banking	NOUN
asir-2255	322	16	industry	industry	NOUN
asir-2255	322	17	.	.	PUNCT
asir-2255	322	18	applied	apply	VERB
asir-2255	322	19	financial	financial	ADJ
asir-2255	322	20	economics	economic	NOUN
asir-2255	322	21	,	,	PUNCT
asir-2255	322	22	16	16	NUM
asir-2255	322	23	,	,	PUNCT
asir-2255	322	24	653	653	NUM
asir-2255	322	25	-	-	SYM
asir-2255	322	26	663	663	NUM
asir-2255	322	27	.	.	PUNCT
asir-2255	323	1	https://doi.org/10.1080/09603100500407440	https://doi.org/10.1080/09603100500407440	X
asir-2255	323	2	banerjee	banerjee	PROPN
asir-2255	323	3	,	,	PUNCT
asir-2255	323	4	a.	a.	NOUN
asir-2255	323	5	v.	v.	PROPN
asir-2255	323	6	(	(	PUNCT
asir-2255	323	7	1997	1997	NUM
asir-2255	323	8	)	)	PUNCT
asir-2255	323	9	.	.	PUNCT
asir-2255	324	1	a	a	DET
asir-2255	324	2	theory	theory	NOUN
asir-2255	324	3	of	of	ADP
asir-2255	324	4	misgovernance	misgovernance	NOUN
asir-2255	324	5	.	.	PUNCT
asir-2255	325	1	quarterly	quarterly	ADJ
asir-2255	325	2	journal	journal	NOUN
asir-2255	325	3	of	of	ADP
asir-2255	325	4	economics	economic	NOUN
asir-2255	325	5	,	,	PUNCT
asir-2255	325	6	112	112	NUM
asir-2255	325	7	,	,	PUNCT
asir-2255	325	8	1289	1289	NUM
asir-2255	325	9	-	-	SYM
asir-2255	325	10	1332	1332	NUM
asir-2255	325	11	.	.	PUNCT
asir-2255	326	1	https://doi.org/10.1162/003355300555484	https://doi.org/10.1162/003355300555484	NOUN
asir-2255	326	2	battese	battese	PROPN
asir-2255	326	3	,	,	PUNCT
asir-2255	326	4	g.	g.	PROPN
asir-2255	326	5	e.	e.	PROPN
asir-2255	326	6	,	,	PUNCT
asir-2255	326	7	&	&	CCONJ
asir-2255	326	8	coelli	coelli	PROPN
asir-2255	326	9	,	,	PUNCT
asir-2255	326	10	t.	t.	PROPN
asir-2255	326	11	j.	j.	PROPN
asir-2255	326	12	(	(	PUNCT
asir-2255	326	13	1995	1995	NUM
asir-2255	326	14	)	)	PUNCT
asir-2255	326	15	.	.	PUNCT
asir-2255	327	1	a	a	DET
asir-2255	327	2	model	model	NOUN
asir-2255	327	3	for	for	ADP
asir-2255	327	4	technical	technical	ADJ
asir-2255	327	5	inefficiency	inefficiency	NOUN
asir-2255	327	6	effects	effect	NOUN
asir-2255	327	7	in	in	ADP
asir-2255	327	8	a	a	DET
asir-2255	327	9	stochastic	stochastic	ADJ
asir-2255	327	10	frontier	frontier	NOUN
asir-2255	327	11	production	production	NOUN
asir-2255	327	12	function	function	NOUN
asir-2255	327	13	for	for	ADP
asir-2255	327	14	panel	panel	NOUN
asir-2255	327	15	data	datum	NOUN
asir-2255	327	16	.	.	PUNCT
asir-2255	328	1	empirical	empirical	ADJ
asir-2255	328	2	economics	economic	NOUN
asir-2255	328	3	,	,	PUNCT
asir-2255	328	4	20	20	NUM
asir-2255	328	5	,	,	PUNCT
asir-2255	328	6	325	325	NUM
asir-2255	328	7	-	-	SYM
asir-2255	328	8	332	332	NUM
asir-2255	328	9	.	.	PUNCT
asir-2255	329	1	https://doi.org/10.1007/bf01205442	https://doi.org/10.1007/bf01205442	VERB
asir-2255	329	2	beck	beck	PROPN
asir-2255	329	3	,	,	PUNCT
asir-2255	329	4	t.	t.	PROPN
asir-2255	329	5	,	,	PUNCT
asir-2255	329	6	crivelli	crivelli	PROPN
asir-2255	329	7	,	,	PUNCT
asir-2255	329	8	j.	j.	PROPN
asir-2255	329	9	m.	m.	PROPN
asir-2255	329	10	,	,	PUNCT
asir-2255	329	11	&	&	CCONJ
asir-2255	329	12	summerhill	summerhill	PROPN
asir-2255	329	13	,	,	PUNCT
asir-2255	329	14	w.	w.	PROPN
asir-2255	329	15	(	(	PUNCT
asir-2255	329	16	2005a	2005a	NUM
asir-2255	329	17	)	)	PUNCT
asir-2255	329	18	.	.	PUNCT
asir-2255	330	1	state	state	NOUN
asir-2255	330	2	bank	bank	PROPN
asir-2255	330	3	transformation	transformation	NOUN
asir-2255	330	4	in	in	ADP
asir-2255	330	5	brazil	brazil	PROPN
asir-2255	330	6	—	—	PUNCT
asir-2255	330	7	choices	choice	NOUN
asir-2255	330	8	and	and	CCONJ
asir-2255	330	9	consequences	consequence	NOUN
asir-2255	330	10	.	.	PUNCT
asir-2255	331	1	journal	journal	NOUN
asir-2255	331	2	of	of	ADP
asir-2255	331	3	banking	banking	NOUN
asir-2255	331	4	and	and	CCONJ
asir-2255	331	5	finance	finance	NOUN
asir-2255	331	6	,	,	PUNCT
asir-2255	331	7	29	29	NUM
asir-2255	331	8	,	,	PUNCT
asir-2255	331	9	2223	2223	NUM
asir-2255	331	10	-	-	SYM
asir-2255	331	11	2257	2257	NUM
asir-2255	331	12	.	.	PUNCT
asir-2255	332	1	https://doi.org/10.1016/j.jbankfin.2005.03.014	https://doi.org/10.1016/j.jbankfin.2005.03.014	PROPN
asir-2255	332	2	beck	beck	PROPN
asir-2255	332	3	,	,	PUNCT
asir-2255	332	4	t.	t.	PROPN
asir-2255	332	5	,	,	PUNCT
asir-2255	332	6	cull	cull	PROPN
asir-2255	332	7	,	,	PUNCT
asir-2255	332	8	r.	r.	PROPN
asir-2255	332	9	&	&	CCONJ
asir-2255	332	10	jerome	jerome	PROPN
asir-2255	332	11	,	,	PUNCT
asir-2255	332	12	a.	a.	NOUN
asir-2255	332	13	(	(	PUNCT
asir-2255	332	14	2005b	2005b	NUM
asir-2255	332	15	)	)	PUNCT
asir-2255	332	16	.	.	PUNCT
asir-2255	333	1	bank	bank	NOUN
asir-2255	333	2	privatization	privatization	NOUN
asir-2255	333	3	and	and	CCONJ
asir-2255	333	4	performance	performance	NOUN
asir-2255	333	5	:	:	PUNCT
asir-2255	333	6	empirical	empirical	ADJ
asir-2255	333	7	evidence	evidence	NOUN
asir-2255	333	8	from	from	ADP
asir-2255	333	9	nigeria	nigeria	PROPN
asir-2255	333	10	.	.	PUNCT
asir-2255	334	1	journal	journal	PROPN
asir-2255	334	2	of	of	ADP
asir-2255	334	3	banking	banking	NOUN
asir-2255	334	4	and	and	CCONJ
asir-2255	334	5	finance	finance	NOUN
asir-2255	334	6	,	,	PUNCT
asir-2255	334	7	29	29	NUM
asir-2255	334	8	,	,	PUNCT
asir-2255	334	9	2355	2355	NUM
asir-2255	334	10	-	-	SYM
asir-2255	334	11	2379	2379	NUM
asir-2255	334	12	.	.	PUNCT
asir-2255	335	1	https://doi.org/10.1016/j.jbankfin.2005.03.018	https://doi.org/10.1016/j.jbankfin.2005.03.018	NOUN
asir-2255	335	2	beijnen	beijnen	PROPN
asir-2255	335	3	,	,	PUNCT
asir-2255	335	4	c.	c.	PROPN
asir-2255	335	5	,	,	PUNCT
asir-2255	335	6	&	&	CCONJ
asir-2255	335	7	bolt	bolt	PROPN
asir-2255	335	8	,	,	PUNCT
asir-2255	335	9	w.	w.	PROPN
asir-2255	335	10	(	(	PUNCT
asir-2255	335	11	2009	2009	NUM
asir-2255	335	12	)	)	PUNCT
asir-2255	335	13	.	.	PUNCT
asir-2255	336	1	size	size	NOUN
asir-2255	336	2	matters	matter	NOUN
asir-2255	336	3	:	:	PUNCT
asir-2255	336	4	economies	economy	NOUN
asir-2255	336	5	of	of	ADP
asir-2255	336	6	scale	scale	NOUN
asir-2255	336	7	in	in	ADP
asir-2255	336	8	european	european	ADJ
asir-2255	336	9	payments	payment	NOUN
asir-2255	336	10	processing	processing	NOUN
asir-2255	336	11	.	.	PUNCT
asir-2255	337	1	journal	journal	NOUN
asir-2255	337	2	of	of	ADP
asir-2255	337	3	banking	banking	NOUN
asir-2255	337	4	and	and	CCONJ
asir-2255	337	5	finance	finance	NOUN
asir-2255	337	6	,	,	PUNCT
asir-2255	337	7	33	33	NUM
asir-2255	337	8	,	,	PUNCT
asir-2255	337	9	203	203	NUM
asir-2255	337	10	-	-	SYM
asir-2255	337	11	210	210	NUM
asir-2255	337	12	.	.	PUNCT
asir-2255	338	1	https://doi.org/10.1016/j.jbankfin.2008.07.014	https://doi.org/10.1016/j.jbankfin.2008.07.014	PROPN
asir-2255	338	2	berger	berger	PROPN
asir-2255	338	3	,	,	PUNCT
asir-2255	338	4	a.	a.	PROPN
asir-2255	338	5	n.	n.	PROPN
asir-2255	338	6	,	,	PUNCT
asir-2255	338	7	clarke	clarke	PROPN
asir-2255	338	8	,	,	PUNCT
asir-2255	338	9	g.	g.	PROPN
asir-2255	338	10	r.	r.	PROPN
asir-2255	338	11	g.	g.	PROPN
asir-2255	338	12	,	,	PUNCT
asir-2255	338	13	cull	cull	PROPN
asir-2255	338	14	,	,	PUNCT
asir-2255	338	15	r.	r.	PROPN
asir-2255	338	16	,	,	PUNCT
asir-2255	338	17	klapper	klapper	PROPN
asir-2255	338	18	,	,	PUNCT
asir-2255	338	19	l.	l.	PROPN
asir-2255	338	20	,	,	PUNCT
asir-2255	338	21	&	&	CCONJ
asir-2255	338	22	udell	udell	PROPN
asir-2255	338	23	,	,	PUNCT
asir-2255	338	24	g.	g.	PROPN
asir-2255	338	25	f.	f.	PROPN
asir-2255	338	26	(	(	PUNCT
asir-2255	338	27	2005	2005	NUM
asir-2255	338	28	)	)	PUNCT
asir-2255	338	29	.	.	PUNCT
asir-2255	339	1	corporate	corporate	ADJ
asir-2255	339	2	governance	governance	NOUN
asir-2255	339	3	and	and	CCONJ
asir-2255	339	4	bank	bank	NOUN
asir-2255	339	5	performance	performance	NOUN
asir-2255	339	6	:	:	PUNCT
asir-2255	339	7	a	a	DET
asir-2255	339	8	joint	joint	ADJ
asir-2255	339	9	analysis	analysis	NOUN
asir-2255	339	10	of	of	ADP
asir-2255	339	11	the	the	DET
asir-2255	339	12	static	static	ADJ
asir-2255	339	13	,	,	PUNCT
asir-2255	339	14	selection	selection	NOUN
asir-2255	339	15	,	,	PUNCT
asir-2255	339	16	and	and	CCONJ
asir-2255	339	17	dynamic	dynamic	ADJ
asir-2255	339	18	effects	effect	NOUN
asir-2255	339	19	of	of	ADP
asir-2255	339	20	domestic	domestic	ADJ
asir-2255	339	21	,	,	PUNCT
asir-2255	339	22	foreign	foreign	ADJ
asir-2255	339	23	,	,	PUNCT
asir-2255	339	24	and	and	CCONJ
asir-2255	339	25	state	state	NOUN
asir-2255	339	26	ownership	ownership	NOUN
asir-2255	339	27	.	.	PUNCT
asir-2255	340	1	journal	journal	NOUN
asir-2255	340	2	of	of	ADP
asir-2255	340	3	banking	banking	NOUN
asir-2255	340	4	and	and	CCONJ
asir-2255	340	5	finance	finance	NOUN
asir-2255	340	6	,	,	PUNCT
asir-2255	340	7	29	29	NUM
asir-2255	340	8	,	,	PUNCT
asir-2255	340	9	2179	2179	NUM
asir-2255	340	10	-	-	SYM
asir-2255	340	11	2221	2221	NUM
asir-2255	340	12	.	.	PUNCT
asir-2255	341	1	https://doi.org/10.1016/j.jbankfin.2005.03.013	https://doi.org/10.1016/j.jbankfin.2005.03.013	PROPN
asir-2255	341	2	berger	berger	PROPN
asir-2255	341	3	,	,	PUNCT
asir-2255	341	4	a.	a.	PROPN
asir-2255	341	5	n.	n.	PROPN
asir-2255	341	6	,	,	PUNCT
asir-2255	341	7	&	&	CCONJ
asir-2255	341	8	deyoung	deyoung	PROPN
asir-2255	341	9	,	,	PUNCT
asir-2255	341	10	r.	r.	PROPN
asir-2255	341	11	(	(	PUNCT
asir-2255	341	12	1997	1997	NUM
asir-2255	341	13	)	)	PUNCT
asir-2255	341	14	.	.	PUNCT
asir-2255	342	1	problem	problem	NOUN
asir-2255	342	2	loans	loan	NOUN
asir-2255	342	3	and	and	CCONJ
asir-2255	342	4	cost	cost	NOUN
asir-2255	342	5	efficiency	efficiency	NOUN
asir-2255	342	6	in	in	ADP
asir-2255	342	7	commercial	commercial	ADJ
asir-2255	342	8	banks	bank	NOUN
asir-2255	342	9	.	.	PUNCT
asir-2255	343	1	journal	journal	NOUN
asir-2255	343	2	of	of	ADP
asir-2255	343	3	banking	banking	NOUN
asir-2255	343	4	and	and	CCONJ
asir-2255	343	5	finance	finance	NOUN
asir-2255	343	6	,	,	PUNCT
asir-2255	343	7	21	21	NUM
asir-2255	343	8	,	,	PUNCT
asir-2255	343	9	849	849	NUM
asir-2255	343	10	-	-	SYM
asir-2255	343	11	870	870	NUM
asir-2255	343	12	.	.	PUNCT
asir-2255	344	1	https://doi.org/10.1016/s0378-4266(97)00003-4	https://doi.org/10.1016/s0378-4266(97)00003-4	PROPN
asir-2255	344	2	berger	berger	PROPN
asir-2255	344	3	,	,	PUNCT
asir-2255	344	4	a.	a.	PROPN
asir-2255	344	5	n.	n.	PROPN
asir-2255	344	6	,	,	PUNCT
asir-2255	344	7	&	&	CCONJ
asir-2255	344	8	humphrey	humphrey	PROPN
asir-2255	344	9	,	,	PUNCT
asir-2255	344	10	d.	d.	PROPN
asir-2255	344	11	b.	b.	PROPN
asir-2255	344	12	(	(	PUNCT
asir-2255	344	13	1997	1997	NUM
asir-2255	344	14	)	)	PUNCT
asir-2255	344	15	.	.	PUNCT
asir-2255	345	1	efficiency	efficiency	NOUN
asir-2255	345	2	of	of	ADP
asir-2255	345	3	financial	financial	ADJ
asir-2255	345	4	institutions	institution	NOUN
asir-2255	345	5	:	:	PUNCT
asir-2255	345	6	international	international	ADJ
asir-2255	345	7	survey	survey	NOUN
asir-2255	345	8	and	and	CCONJ
asir-2255	345	9	directions	direction	NOUN
asir-2255	345	10	for	for	ADP
asir-2255	345	11	future	future	ADJ
asir-2255	345	12	research	research	NOUN
asir-2255	345	13	.	.	PUNCT
asir-2255	346	1	european	european	ADJ
asir-2255	346	2	journal	journal	PROPN
asir-2255	346	3	of	of	ADP
asir-2255	346	4	operational	operational	ADJ
asir-2255	346	5	research	research	NOUN
asir-2255	346	6	,	,	PUNCT
asir-2255	346	7	98	98	NUM
asir-2255	346	8	,	,	PUNCT
asir-2255	346	9	175	175	NUM
asir-2255	346	10	-	-	SYM
asir-2255	346	11	212	212	NUM
asir-2255	346	12	.	.	PUNCT
asir-2255	347	1	https://doi.org/10.1016/s0377-2217(96)00342-6	https://doi.org/10.1016/s0377-2217(96)00342-6	PROPN
asir-2255	347	2	berger	berger	PROPN
asir-2255	347	3	,	,	PUNCT
asir-2255	347	4	a.	a.	PROPN
asir-2255	347	5	n.	n.	PROPN
asir-2255	347	6	,	,	PUNCT
asir-2255	347	7	iftekhar	iftekhar	PROPN
asir-2255	347	8	,	,	PUNCT
asir-2255	347	9	h.	h.	PROPN
asir-2255	347	10	,	,	PUNCT
asir-2255	347	11	&	&	CCONJ
asir-2255	347	12	zhou	zhou	PROPN
asir-2255	347	13	,	,	PUNCT
asir-2255	347	14	m.	m.	NOUN
asir-2255	347	15	(	(	PUNCT
asir-2255	347	16	2009	2009	NUM
asir-2255	347	17	)	)	PUNCT
asir-2255	347	18	.	.	PUNCT
asir-2255	348	1	bank	bank	NOUN
asir-2255	348	2	ownership	ownership	NOUN
asir-2255	348	3	and	and	CCONJ
asir-2255	348	4	efficiency	efficiency	NOUN
asir-2255	348	5	in	in	ADP
asir-2255	348	6	china	china	PROPN
asir-2255	348	7	:	:	PUNCT
asir-2255	348	8	what	what	PRON
asir-2255	348	9	will	will	AUX
asir-2255	348	10	happen	happen	VERB
asir-2255	348	11	in	in	ADP
asir-2255	348	12	the	the	DET
asir-2255	348	13	world	world	NOUN
asir-2255	348	14	’s	’s	PART
asir-2255	348	15	largest	large	ADJ
asir-2255	348	16	nation	nation	NOUN
asir-2255	348	17	?	?	PUNCT
asir-2255	349	1	journal	journal	NOUN
asir-2255	349	2	of	of	ADP
asir-2255	349	3	banking	banking	NOUN
asir-2255	349	4	and	and	CCONJ
asir-2255	349	5	finance	finance	NOUN
asir-2255	349	6	,	,	PUNCT
asir-2255	349	7	33	33	NUM
asir-2255	349	8	,	,	PUNCT
asir-2255	349	9	113	113	NUM
asir-2255	349	10	-	-	SYM
asir-2255	349	11	130	130	NUM
asir-2255	349	12	.	.	PUNCT
asir-2255	350	1	https://doi.org/10.1016/j.jbankfin.2007.05.016	https://doi.org/10.1016/j.jbankfin.2007.05.016	PROPN
asir-2255	350	2	bonin	bonin	NOUN
asir-2255	350	3	,	,	PUNCT
asir-2255	350	4	j.	j.	PROPN
asir-2255	350	5	p.	p.	PROPN
asir-2255	350	6	,	,	PUNCT
asir-2255	350	7	hasan	hasan	PROPN
asir-2255	350	8	,	,	PUNCT
asir-2255	350	9	i.	i.	PROPN
asir-2255	350	10	,	,	PUNCT
asir-2255	350	11	&	&	CCONJ
asir-2255	350	12	wachtel	wachtel	PROPN
asir-2255	350	13	,	,	PUNCT
asir-2255	350	14	p.	p.	NOUN
asir-2255	350	15	(	(	PUNCT
asir-2255	350	16	2005	2005	NUM
asir-2255	350	17	)	)	PUNCT
asir-2255	350	18	.	.	PUNCT
asir-2255	351	1	bank	bank	NOUN
asir-2255	351	2	performance	performance	NOUN
asir-2255	351	3	,	,	PUNCT
asir-2255	351	4	efficiency	efficiency	NOUN
asir-2255	351	5	and	and	CCONJ
asir-2255	351	6	ownership	ownership	NOUN
asir-2255	351	7	in	in	ADP
asir-2255	351	8	transition	transition	NOUN
asir-2255	351	9	countries	country	NOUN
asir-2255	351	10	.	.	PUNCT
asir-2255	352	1	journal	journal	NOUN
asir-2255	352	2	of	of	ADP
asir-2255	352	3	banking	banking	NOUN
asir-2255	352	4	and	and	CCONJ
asir-2255	352	5	finance	finance	NOUN
asir-2255	352	6	,	,	PUNCT
asir-2255	352	7	29	29	NUM
asir-2255	352	8	,	,	PUNCT
asir-2255	352	9	31	31	NUM
asir-2255	352	10	-	-	SYM
asir-2255	352	11	53	53	NUM
asir-2255	352	12	.	.	PUNCT
asir-2255	353	1	https://doi.org/10.1016/j.jbankfin.2004.06.015	https://doi.org/10.1016/j.jbankfin.2004.06.015	PROPN
asir-2255	353	2	carbó	carbó	PROPN
asir-2255	353	3	,	,	PUNCT
asir-2255	353	4	s.	s.	PROPN
asir-2255	353	5	v.	v.	PROPN
asir-2255	353	6	,	,	PUNCT
asir-2255	353	7	humphrey	humphrey	PROPN
asir-2255	353	8	,	,	PUNCT
asir-2255	353	9	d.	d.	PROPN
asir-2255	353	10	b.	b.	PROPN
asir-2255	353	11	,	,	PUNCT
asir-2255	353	12	&	&	CCONJ
asir-2255	353	13	fernández	fernández	PROPN
asir-2255	353	14	,	,	PUNCT
asir-2255	353	15	f.	f.	PROPN
asir-2255	353	16	r.	r.	PROPN
asir-2255	353	17	(	(	PUNCT
asir-2255	353	18	2003	2003	NUM
asir-2255	353	19	)	)	PUNCT
asir-2255	353	20	.	.	PUNCT
asir-2255	354	1	bank	bank	NOUN
asir-2255	354	2	deregulation	deregulation	NOUN
asir-2255	354	3	is	be	AUX
asir-2255	354	4	better	well	ADJ
asir-2255	354	5	than	than	ADP
asir-2255	354	6	mergers	merger	NOUN
asir-2255	354	7	.	.	PUNCT
asir-2255	355	1	journal	journal	PROPN
asir-2255	355	2	of	of	ADP
asir-2255	355	3	international	international	ADJ
asir-2255	355	4	financial	financial	ADJ
asir-2255	355	5	markets	market	NOUN
asir-2255	355	6	,	,	PUNCT
asir-2255	355	7	institutions	institution	NOUN
asir-2255	355	8	and	and	CCONJ
asir-2255	355	9	money	money	NOUN
asir-2255	355	10	,	,	PUNCT
asir-2255	355	11	13	13	NUM
asir-2255	355	12	,	,	PUNCT
asir-2255	355	13	429	429	NUM
asir-2255	355	14	-	-	SYM
asir-2255	355	15	449	449	NUM
asir-2255	355	16	.	.	PUNCT
asir-2255	356	1	https://doi.org/10.1016/s1042-4431(03)00017-9	https://doi.org/10.1016/s1042-4431(03)00017-9	NOUN
asir-2255	356	2	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	356	3	applied	apply	VERB
asir-2255	356	4	science	science	NOUN
asir-2255	356	5	and	and	CCONJ
asir-2255	356	6	innovative	innovative	ADJ
asir-2255	356	7	research	research	NOUN
asir-2255	356	8	vol	vol	NOUN
asir-2255	356	9	.	.	PUNCT
asir-2255	357	1	3	3	NUM
asir-2255	357	2	,	,	PUNCT
asir-2255	357	3	no	no	INTJ
asir-2255	357	4	.	.	NOUN
asir-2255	357	5	3	3	NUM
asir-2255	357	6	,	,	PUNCT
asir-2255	357	7	2019	2019	NUM
asir-2255	357	8	208	208	NUM
asir-2255	357	9	published	publish	VERB
asir-2255	357	10	by	by	ADP
asir-2255	357	11	scholink	scholink	PROPN
asir-2255	357	12	inc	inc	PROPN
asir-2255	357	13	.	.	PROPN
asir-2255	357	14	cho	cho	PROPN
asir-2255	357	15	,	,	PUNCT
asir-2255	357	16	y.	y.	PROPN
asir-2255	357	17	j.	j.	PROPN
asir-2255	357	18	(	(	PUNCT
asir-2255	357	19	1988	1988	NUM
asir-2255	357	20	)	)	PUNCT
asir-2255	357	21	.	.	PUNCT
asir-2255	358	1	the	the	DET
asir-2255	358	2	effect	effect	NOUN
asir-2255	358	3	of	of	ADP
asir-2255	358	4	financial	financial	ADJ
asir-2255	358	5	liberalisation	liberalisation	NOUN
asir-2255	358	6	on	on	ADP
asir-2255	358	7	the	the	DET
asir-2255	358	8	efficiency	efficiency	NOUN
asir-2255	358	9	of	of	ADP
asir-2255	358	10	credit	credit	NOUN
asir-2255	358	11	allocation	allocation	NOUN
asir-2255	358	12	:	:	PUNCT
asir-2255	358	13	some	some	DET
asir-2255	358	14	evidence	evidence	NOUN
asir-2255	358	15	from	from	ADP
asir-2255	358	16	korea	korea	PROPN
asir-2255	358	17	.	.	PUNCT
asir-2255	359	1	journal	journal	PROPN
asir-2255	359	2	of	of	ADP
asir-2255	359	3	development	development	NOUN
asir-2255	359	4	economics	economic	NOUN
asir-2255	359	5	,	,	PUNCT
asir-2255	359	6	29	29	NUM
asir-2255	359	7	,	,	PUNCT
asir-2255	359	8	101	101	NUM
asir-2255	359	9	-	-	SYM
asir-2255	359	10	110	110	NUM
asir-2255	359	11	.	.	PUNCT
asir-2255	360	1	https://doi.org/10.1016/0304-3878(88)90074-0	https://doi.org/10.1016/0304-3878(88)90074-0	ADJ
asir-2255	360	2	claessens	claessen	NOUN
asir-2255	360	3	,	,	PUNCT
asir-2255	360	4	s.	s.	PROPN
asir-2255	360	5	,	,	PUNCT
asir-2255	360	6	demirgüç	demirgüç	PROPN
asir-2255	360	7	-	-	PUNCT
asir-2255	360	8	kunt	kunt	PROPN
asir-2255	360	9	,	,	PUNCT
asir-2255	360	10	a.	a.	NOUN
asir-2255	360	11	,	,	PUNCT
asir-2255	360	12	&	&	CCONJ
asir-2255	360	13	huizinga	huizinga	PROPN
asir-2255	360	14	,	,	PUNCT
asir-2255	360	15	h.	h.	PROPN
asir-2255	360	16	(	(	PUNCT
asir-2255	360	17	2001	2001	NUM
asir-2255	360	18	)	)	PUNCT
asir-2255	360	19	.	.	PUNCT
asir-2255	361	1	how	how	SCONJ
asir-2255	361	2	does	do	AUX
asir-2255	361	3	foreign	foreign	ADJ
asir-2255	361	4	entry	entry	NOUN
asir-2255	361	5	affect	affect	VERB
asir-2255	361	6	domestic	domestic	ADJ
asir-2255	361	7	banking	banking	NOUN
asir-2255	361	8	markets	market	NOUN
asir-2255	361	9	?	?	PUNCT
asir-2255	362	1	journal	journal	NOUN
asir-2255	362	2	of	of	ADP
asir-2255	362	3	banking	banking	NOUN
asir-2255	362	4	and	and	CCONJ
asir-2255	362	5	finance	finance	NOUN
asir-2255	362	6	,	,	PUNCT
asir-2255	362	7	25	25	NUM
asir-2255	362	8	,	,	PUNCT
asir-2255	362	9	891	891	NUM
asir-2255	362	10	-	-	SYM
asir-2255	362	11	911	911	NUM
asir-2255	362	12	.	.	PUNCT
asir-2255	363	1	https://doi.org/10.1016/s0378-4266(00)00102-3	https://doi.org/10.1016/s0378-4266(00)00102-3	PROPN
asir-2255	363	2	das	das	PROPN
asir-2255	363	3	,	,	PUNCT
asir-2255	363	4	a.	a.	PROPN
asir-2255	363	5	,	,	PUNCT
asir-2255	363	6	&	&	CCONJ
asir-2255	363	7	ghosh	ghosh	PROPN
asir-2255	363	8	,	,	PUNCT
asir-2255	363	9	s.	s.	PROPN
asir-2255	363	10	(	(	PUNCT
asir-2255	363	11	2006	2006	NUM
asir-2255	363	12	)	)	PUNCT
asir-2255	363	13	.	.	PUNCT
asir-2255	364	1	financial	financial	ADJ
asir-2255	364	2	deregulation	deregulation	NOUN
asir-2255	364	3	and	and	CCONJ
asir-2255	364	4	efficiency	efficiency	NOUN
asir-2255	364	5	:	:	PUNCT
asir-2255	364	6	an	an	DET
asir-2255	364	7	empirical	empirical	ADJ
asir-2255	364	8	analysis	analysis	NOUN
asir-2255	364	9	of	of	ADP
asir-2255	364	10	indian	indian	ADJ
asir-2255	364	11	banks	bank	NOUN
asir-2255	364	12	during	during	ADP
asir-2255	364	13	the	the	DET
asir-2255	364	14	post	post	NOUN
asir-2255	364	15	reform	reform	NOUN
asir-2255	364	16	period	period	NOUN
asir-2255	364	17	.	.	PUNCT
asir-2255	365	1	review	review	NOUN
asir-2255	365	2	of	of	ADP
asir-2255	365	3	financial	financial	ADJ
asir-2255	365	4	economics	economic	NOUN
asir-2255	365	5	,	,	PUNCT
asir-2255	365	6	15	15	NUM
asir-2255	365	7	,	,	PUNCT
asir-2255	365	8	193	193	NUM
asir-2255	365	9	-	-	SYM
asir-2255	365	10	221	221	NUM
asir-2255	365	11	.	.	PUNCT
asir-2255	366	1	https://doi.org/10.1016/j.rfe.2005.06.002	https://doi.org/10.1016/j.rfe.2005.06.002	PROPN
asir-2255	366	2	drake	drake	PROPN
asir-2255	366	3	,	,	PUNCT
asir-2255	366	4	l.	l.	PROPN
asir-2255	366	5	,	,	PUNCT
asir-2255	366	6	hall	hall	PROPN
asir-2255	366	7	,	,	PUNCT
asir-2255	366	8	m.	m.	PROPN
asir-2255	366	9	j.	j.	PROPN
asir-2255	366	10	b.	b.	PROPN
asir-2255	366	11	,	,	PUNCT
asir-2255	366	12	&	&	CCONJ
asir-2255	366	13	simper	simper	PROPN
asir-2255	366	14	,	,	PUNCT
asir-2255	366	15	r.	r.	PROPN
asir-2255	366	16	(	(	PUNCT
asir-2255	366	17	2006	2006	NUM
asir-2255	366	18	)	)	PUNCT
asir-2255	366	19	.	.	PUNCT
asir-2255	367	1	the	the	DET
asir-2255	367	2	impact	impact	NOUN
asir-2255	367	3	of	of	ADP
asir-2255	367	4	macroeconomic	macroeconomic	ADJ
asir-2255	367	5	and	and	CCONJ
asir-2255	367	6	regulatory	regulatory	ADJ
asir-2255	367	7	factor	factor	NOUN
asir-2255	367	8	on	on	ADP
asir-2255	367	9	bank	bank	NOUN
asir-2255	367	10	efficiency	efficiency	NOUN
asir-2255	367	11	:	:	PUNCT
asir-2255	367	12	a	a	DET
asir-2255	367	13	non	non	ADJ
asir-2255	367	14	-	-	ADJ
asir-2255	367	15	parametric	parametric	ADJ
asir-2255	367	16	analysis	analysis	NOUN
asir-2255	367	17	of	of	ADP
asir-2255	367	18	hong	hong	PROPN
asir-2255	367	19	kong	kong	PROPN
asir-2255	367	20	’s	’s	PART
asir-2255	367	21	banking	banking	NOUN
asir-2255	367	22	system	system	NOUN
asir-2255	367	23	.	.	PUNCT
asir-2255	368	1	journal	journal	NOUN
asir-2255	368	2	of	of	ADP
asir-2255	368	3	banking	banking	NOUN
asir-2255	368	4	and	and	CCONJ
asir-2255	368	5	finance	finance	NOUN
asir-2255	368	6	,	,	PUNCT
asir-2255	368	7	30	30	NUM
asir-2255	368	8	,	,	PUNCT
asir-2255	368	9	1443	1443	NUM
asir-2255	368	10	-	-	SYM
asir-2255	368	11	1466	1466	NUM
asir-2255	368	12	.	.	PUNCT
asir-2255	369	1	https://doi.org/10.1016/j.jbankfin.2005.03.022	https://doi.org/10.1016/j.jbankfin.2005.03.022	NOUN
asir-2255	369	2	fries	fry	NOUN
asir-2255	369	3	,	,	PUNCT
asir-2255	369	4	s.	s.	PROPN
asir-2255	369	5	,	,	PUNCT
asir-2255	369	6	&	&	CCONJ
asir-2255	369	7	taci	taci	PROPN
asir-2255	369	8	,	,	PUNCT
asir-2255	369	9	a.	a.	NOUN
asir-2255	369	10	(	(	PUNCT
asir-2255	369	11	2005	2005	NUM
asir-2255	369	12	)	)	PUNCT
asir-2255	369	13	.	.	PUNCT
asir-2255	370	1	cost	cost	NOUN
asir-2255	370	2	efficiency	efficiency	NOUN
asir-2255	370	3	of	of	ADP
asir-2255	370	4	banks	bank	NOUN
asir-2255	370	5	in	in	ADP
asir-2255	370	6	transition	transition	NOUN
asir-2255	370	7	:	:	PUNCT
asir-2255	370	8	evidence	evidence	NOUN
asir-2255	370	9	from	from	ADP
asir-2255	370	10	289	289	NUM
asir-2255	370	11	banks	bank	NOUN
asir-2255	370	12	in	in	ADP
asir-2255	370	13	15	15	NUM
asir-2255	370	14	post	post	ADJ
asir-2255	370	15	-	-	ADJ
asir-2255	370	16	communist	communist	ADJ
asir-2255	370	17	countries	country	NOUN
asir-2255	370	18	.	.	PUNCT
asir-2255	371	1	journal	journal	NOUN
asir-2255	371	2	of	of	ADP
asir-2255	371	3	banking	banking	NOUN
asir-2255	371	4	and	and	CCONJ
asir-2255	371	5	finance	finance	NOUN
asir-2255	371	6	,	,	PUNCT
asir-2255	371	7	29	29	NUM
asir-2255	371	8	,	,	PUNCT
asir-2255	371	9	55	55	NUM
asir-2255	371	10	-	-	SYM
asir-2255	371	11	81	81	NUM
asir-2255	371	12	.	.	PUNCT
asir-2255	372	1	https://doi.org/10.1016/j.jbankfin.2004.06.016	https://doi.org/10.1016/j.jbankfin.2004.06.016	NUM
asir-2255	372	2	gardener	gardener	NOUN
asir-2255	372	3	,	,	PUNCT
asir-2255	372	4	e.	e.	PROPN
asir-2255	372	5	p.	p.	PROPN
asir-2255	372	6	m.	m.	PROPN
asir-2255	372	7	,	,	PUNCT
asir-2255	372	8	molyneux	molyneux	PROPN
asir-2255	372	9	,	,	PUNCT
asir-2255	372	10	p.	p.	PROPN
asir-2255	372	11	,	,	PUNCT
asir-2255	372	12	&	&	CCONJ
asir-2255	372	13	moore	moore	PROPN
asir-2255	372	14	,	,	PUNCT
asir-2255	372	15	b.	b.	PROPN
asir-2255	372	16	(	(	PUNCT
asir-2255	372	17	2001	2001	NUM
asir-2255	372	18	)	)	PUNCT
asir-2255	372	19	.	.	PUNCT
asir-2255	373	1	the	the	DET
asir-2255	373	2	impact	impact	NOUN
asir-2255	373	3	of	of	ADP
asir-2255	373	4	the	the	DET
asir-2255	373	5	single	single	ADJ
asir-2255	373	6	market	market	NOUN
asir-2255	373	7	programme	programme	NOUN
asir-2255	373	8	on	on	ADP
asir-2255	373	9	eu	eu	PROPN
asir-2255	373	10	banking	banking	NOUN
asir-2255	373	11	.	.	PUNCT
asir-2255	374	1	service	service	NOUN
asir-2255	374	2	industries	industry	NOUN
asir-2255	374	3	journal	journal	NOUN
asir-2255	374	4	,	,	PUNCT
asir-2255	374	5	21	21	NUM
asir-2255	374	6	,	,	PUNCT
asir-2255	374	7	47	47	NUM
asir-2255	374	8	-	-	SYM
asir-2255	374	9	70	70	NUM
asir-2255	374	10	.	.	PUNCT
asir-2255	375	1	https://doi.org/10.1080/714005016	https://doi.org/10.1080/714005016	PROPN
asir-2255	375	2	goddard	goddard	PROPN
asir-2255	375	3	,	,	PUNCT
asir-2255	375	4	j.	j.	PROPN
asir-2255	375	5	a.	a.	PROPN
asir-2255	375	6	,	,	PUNCT
asir-2255	375	7	molyneux	molyneux	PROPN
asir-2255	375	8	,	,	PUNCT
asir-2255	375	9	p.	p.	PROPN
asir-2255	375	10	,	,	PUNCT
asir-2255	375	11	williams	williams	PROPN
asir-2255	375	12	,	,	PUNCT
asir-2255	375	13	j.	j.	PROPN
asir-2255	375	14	o.	o.	PROPN
asir-2255	375	15	s.	s.	PROPN
asir-2255	375	16	,	,	PUNCT
asir-2255	375	17	&	&	CCONJ
asir-2255	375	18	tavakoli	tavakoli	PROPN
asir-2255	375	19	,	,	PUNCT
asir-2255	375	20	m.	m.	NOUN
asir-2255	375	21	(	(	PUNCT
asir-2255	375	22	2007	2007	NUM
asir-2255	375	23	)	)	PUNCT
asir-2255	375	24	.	.	PUNCT
asir-2255	376	1	european	european	ADJ
asir-2255	376	2	banking	banking	PROPN
asir-2255	376	3	:	:	PUNCT
asir-2255	376	4	an	an	DET
asir-2255	376	5	overview	overview	NOUN
asir-2255	376	6	.	.	PUNCT
asir-2255	377	1	journal	journal	NOUN
asir-2255	377	2	of	of	ADP
asir-2255	377	3	banking	banking	NOUN
asir-2255	377	4	and	and	CCONJ
asir-2255	377	5	finance	finance	NOUN
asir-2255	377	6	,	,	PUNCT
asir-2255	377	7	31	31	NUM
asir-2255	377	8	,	,	PUNCT
asir-2255	377	9	1911	1911	NUM
asir-2255	377	10	-	-	SYM
asir-2255	377	11	1935	1935	NUM
asir-2255	377	12	.	.	PUNCT
asir-2255	378	1	https://doi.org/10.1016/j.jbankfin.2007.01.002	https://doi.org/10.1016/j.jbankfin.2007.01.002	PROPN
asir-2255	378	2	hart	hart	PROPN
asir-2255	378	3	,	,	PUNCT
asir-2255	378	4	o.	o.	PROPN
asir-2255	378	5	,	,	PUNCT
asir-2255	378	6	shleifer	shleifer	PROPN
asir-2255	378	7	,	,	PUNCT
asir-2255	378	8	a.	a.	PROPN
asir-2255	378	9	,	,	PUNCT
asir-2255	378	10	&	&	CCONJ
asir-2255	378	11	vishny	vishny	PROPN
asir-2255	378	12	,	,	PUNCT
asir-2255	378	13	r.	r.	PROPN
asir-2255	378	14	w.	w.	PROPN
asir-2255	378	15	(	(	PUNCT
asir-2255	378	16	1997	1997	NUM
asir-2255	378	17	)	)	PUNCT
asir-2255	378	18	.	.	PUNCT
asir-2255	379	1	the	the	DET
asir-2255	379	2	proper	proper	ADJ
asir-2255	379	3	scope	scope	NOUN
asir-2255	379	4	of	of	ADP
asir-2255	379	5	government	government	NOUN
asir-2255	379	6	:	:	PUNCT
asir-2255	379	7	theory	theory	NOUN
asir-2255	379	8	and	and	CCONJ
asir-2255	379	9	an	an	DET
asir-2255	379	10	application	application	NOUN
asir-2255	379	11	to	to	ADP
asir-2255	379	12	prisons	prison	NOUN
asir-2255	379	13	.	.	PUNCT
asir-2255	380	1	quarterly	quarterly	ADJ
asir-2255	380	2	journal	journal	NOUN
asir-2255	380	3	of	of	ADP
asir-2255	380	4	economics	economic	NOUN
asir-2255	380	5	,	,	PUNCT
asir-2255	380	6	112	112	NUM
asir-2255	380	7	,	,	PUNCT
asir-2255	380	8	1127	1127	NUM
asir-2255	380	9	-	-	SYM
asir-2255	380	10	1161	1161	NUM
asir-2255	380	11	.	.	PUNCT
asir-2255	381	1	https://doi.org/10.1162/003355300555448	https://doi.org/10.1162/003355300555448	X
asir-2255	381	2	hasan	hasan	PROPN
asir-2255	381	3	,	,	PUNCT
asir-2255	381	4	i.	i.	PROPN
asir-2255	381	5	,	,	PUNCT
asir-2255	381	6	&	&	CCONJ
asir-2255	381	7	marton	marton	PROPN
asir-2255	381	8	,	,	PUNCT
asir-2255	381	9	k.	k.	PROPN
asir-2255	381	10	(	(	PUNCT
asir-2255	381	11	2003	2003	NUM
asir-2255	381	12	)	)	PUNCT
asir-2255	381	13	.	.	PUNCT
asir-2255	382	1	development	development	NOUN
asir-2255	382	2	and	and	CCONJ
asir-2255	382	3	efficiency	efficiency	NOUN
asir-2255	382	4	of	of	ADP
asir-2255	382	5	the	the	DET
asir-2255	382	6	banking	banking	NOUN
asir-2255	382	7	sector	sector	NOUN
asir-2255	382	8	in	in	ADP
asir-2255	382	9	a	a	DET
asir-2255	382	10	transitional	transitional	ADJ
asir-2255	382	11	economy	economy	NOUN
asir-2255	382	12	:	:	PUNCT
asir-2255	382	13	hungarian	hungarian	ADJ
asir-2255	382	14	experience	experience	NOUN
asir-2255	382	15	.	.	PUNCT
asir-2255	383	1	journal	journal	NOUN
asir-2255	383	2	of	of	ADP
asir-2255	383	3	banking	banking	NOUN
asir-2255	383	4	and	and	CCONJ
asir-2255	383	5	finance	finance	NOUN
asir-2255	383	6	,	,	PUNCT
asir-2255	383	7	27	27	NUM
asir-2255	383	8	,	,	PUNCT
asir-2255	383	9	2249	2249	NUM
asir-2255	383	10	-	-	SYM
asir-2255	383	11	2271	2271	NUM
asir-2255	383	12	.	.	PUNCT
asir-2255	384	1	https://doi.org/10.1016/s0378-4266(02)00328-x	https://doi.org/10.1016/s0378-4266(02)00328-x	PROPN
asir-2255	384	2	hauner	hauner	NOUN
asir-2255	384	3	,	,	PUNCT
asir-2255	384	4	d.	d.	PROPN
asir-2255	384	5	,	,	PUNCT
asir-2255	384	6	&	&	CCONJ
asir-2255	384	7	peiris	peiris	PROPN
asir-2255	384	8	,	,	PUNCT
asir-2255	384	9	s.	s.	PROPN
asir-2255	384	10	j.	j.	PROPN
asir-2255	384	11	(	(	PUNCT
asir-2255	384	12	2005	2005	NUM
asir-2255	384	13	)	)	PUNCT
asir-2255	384	14	.	.	PUNCT
asir-2255	385	1	bank	bank	NOUN
asir-2255	385	2	efficiency	efficiency	NOUN
asir-2255	385	3	and	and	CCONJ
asir-2255	385	4	competition	competition	NOUN
asir-2255	385	5	in	in	ADP
asir-2255	385	6	low	low	ADJ
asir-2255	385	7	-	-	PUNCT
asir-2255	385	8	income	income	NOUN
asir-2255	385	9	countries	country	NOUN
asir-2255	385	10	:	:	PUNCT
asir-2255	385	11	the	the	DET
asir-2255	385	12	case	case	NOUN
asir-2255	385	13	of	of	ADP
asir-2255	385	14	uganda	uganda	PROPN
asir-2255	385	15	(	(	PUNCT
asir-2255	385	16	imf	imf	PROPN
asir-2255	385	17	working	working	PROPN
asir-2255	385	18	paper	paper	NOUN
asir-2255	385	19	)	)	PUNCT
asir-2255	385	20	.	.	PUNCT
asir-2255	386	1	havrylchyk	havrylchyk	PROPN
asir-2255	386	2	,	,	PUNCT
asir-2255	386	3	o.	o.	NOUN
asir-2255	386	4	(	(	PUNCT
asir-2255	386	5	2006	2006	NUM
asir-2255	386	6	)	)	PUNCT
asir-2255	386	7	.	.	PUNCT
asir-2255	387	1	efficiency	efficiency	NOUN
asir-2255	387	2	of	of	ADP
asir-2255	387	3	the	the	DET
asir-2255	387	4	polish	polish	ADJ
asir-2255	387	5	banking	banking	NOUN
asir-2255	387	6	industry	industry	NOUN
asir-2255	387	7	:	:	PUNCT
asir-2255	387	8	foreign	foreign	ADJ
asir-2255	387	9	versus	versus	ADP
asir-2255	387	10	domestic	domestic	ADJ
asir-2255	387	11	banks	bank	NOUN
asir-2255	387	12	.	.	PUNCT
asir-2255	388	1	journal	journal	NOUN
asir-2255	388	2	of	of	ADP
asir-2255	388	3	banking	banking	NOUN
asir-2255	388	4	and	and	CCONJ
asir-2255	388	5	finance	finance	NOUN
asir-2255	388	6	,	,	PUNCT
asir-2255	388	7	30	30	NUM
asir-2255	388	8	,	,	PUNCT
asir-2255	388	9	1975	1975	NUM
asir-2255	388	10	-	-	SYM
asir-2255	388	11	1996	1996	NUM
asir-2255	388	12	.	.	PUNCT
asir-2255	389	1	https://doi.org/10.1016/j.jbankfin.2005.07.009	https://doi.org/10.1016/j.jbankfin.2005.07.009	PROPN
asir-2255	389	2	knapp	knapp	PROPN
asir-2255	389	3	,	,	PUNCT
asir-2255	389	4	m.	m.	NOUN
asir-2255	389	5	,	,	PUNCT
asir-2255	389	6	gart	gart	NOUN
asir-2255	389	7	,	,	PUNCT
asir-2255	389	8	a.	a.	NOUN
asir-2255	389	9	,	,	PUNCT
asir-2255	389	10	&	&	CCONJ
asir-2255	389	11	becher	becher	PROPN
asir-2255	389	12	,	,	PUNCT
asir-2255	389	13	d.	d.	PROPN
asir-2255	389	14	(	(	PUNCT
asir-2255	389	15	2005	2005	NUM
asir-2255	389	16	)	)	PUNCT
asir-2255	389	17	.	.	PUNCT
asir-2255	390	1	post	post	ADJ
asir-2255	390	2	-	-	ADJ
asir-2255	390	3	merger	merger	ADJ
asir-2255	390	4	performance	performance	NOUN
asir-2255	390	5	of	of	ADP
asir-2255	390	6	bank	bank	NOUN
asir-2255	390	7	holding	hold	VERB
asir-2255	390	8	companies	company	NOUN
asir-2255	390	9	,	,	PUNCT
asir-2255	390	10	1987	1987	NUM
asir-2255	390	11	-	-	SYM
asir-2255	390	12	1998	1998	NUM
asir-2255	390	13	.	.	PUNCT
asir-2255	391	1	financial	financial	ADJ
asir-2255	391	2	review	review	PROPN
asir-2255	391	3	,	,	PUNCT
asir-2255	391	4	40	40	NUM
asir-2255	391	5	,	,	PUNCT
asir-2255	391	6	549	549	NUM
asir-2255	391	7	-	-	SYM
asir-2255	391	8	574	574	NUM
asir-2255	391	9	.	.	PUNCT
asir-2255	392	1	https://doi.org/10.1111/j.1540-6288.2005.00124.x	https://doi.org/10.1111/j.1540-6288.2005.00124.x	VERB
asir-2255	392	2	koutsomanoli	koutsomanoli	NOUN
asir-2255	392	3	-	-	PUNCT
asir-2255	392	4	filippaki	filippaki	NOUN
asir-2255	392	5	,	,	PUNCT
asir-2255	392	6	a.	a.	NOUN
asir-2255	392	7	,	,	PUNCT
asir-2255	392	8	margaritis	margaritis	ADJ
asir-2255	392	9	d.	d.	PROPN
asir-2255	392	10	,	,	PUNCT
asir-2255	392	11	&	&	CCONJ
asir-2255	392	12	staikouras	staikouras	PROPN
asir-2255	392	13	,	,	PUNCT
asir-2255	392	14	c.	c.	PROPN
asir-2255	392	15	(	(	PUNCT
asir-2255	392	16	2009	2009	NUM
asir-2255	392	17	)	)	PUNCT
asir-2255	392	18	.	.	PUNCT
asir-2255	393	1	efficiency	efficiency	NOUN
asir-2255	393	2	and	and	CCONJ
asir-2255	393	3	productivity	productivity	NOUN
asir-2255	393	4	growth	growth	NOUN
asir-2255	393	5	in	in	ADP
asir-2255	393	6	the	the	DET
asir-2255	393	7	banking	banking	NOUN
asir-2255	393	8	industry	industry	NOUN
asir-2255	393	9	of	of	ADP
asir-2255	393	10	central	central	ADJ
asir-2255	393	11	and	and	CCONJ
asir-2255	393	12	eastern	eastern	ADJ
asir-2255	393	13	europe	europe	PROPN
asir-2255	393	14	.	.	PUNCT
asir-2255	394	1	journal	journal	PROPN
asir-2255	394	2	of	of	ADP
asir-2255	394	3	banking	banking	NOUN
asir-2255	394	4	and	and	CCONJ
asir-2255	394	5	finance	finance	NOUN
asir-2255	394	6	,	,	PUNCT
asir-2255	394	7	33	33	NUM
asir-2255	394	8	,	,	PUNCT
asir-2255	394	9	557	557	NUM
asir-2255	394	10	-	-	SYM
asir-2255	394	11	567	567	NUM
asir-2255	394	12	.	.	PUNCT
asir-2255	395	1	https://doi.org/10.1016/j.jbankfin.2008.09.009	https://doi.org/10.1016/j.jbankfin.2008.09.009	NUM
asir-2255	395	2	la	la	DET
asir-2255	395	3	porta	porta	PROPN
asir-2255	395	4	,	,	PUNCT
asir-2255	395	5	r.	r.	PROPN
asir-2255	395	6	,	,	PUNCT
asir-2255	395	7	lopez	lopez	NOUN
asir-2255	395	8	-	-	PUNCT
asir-2255	395	9	de	de	NOUN
asir-2255	395	10	-	-	NOUN
asir-2255	395	11	silanes	silanes	PROPN
asir-2255	395	12	,	,	PUNCT
asir-2255	395	13	f.	f.	PROPN
asir-2255	395	14	,	,	PUNCT
asir-2255	395	15	&	&	CCONJ
asir-2255	395	16	shleifer	shleifer	PROPN
asir-2255	395	17	,	,	PUNCT
asir-2255	395	18	a.	a.	NOUN
asir-2255	395	19	(	(	PUNCT
asir-2255	395	20	2002	2002	NUM
asir-2255	395	21	)	)	PUNCT
asir-2255	395	22	.	.	PUNCT
asir-2255	396	1	government	government	NOUN
asir-2255	396	2	ownership	ownership	NOUN
asir-2255	396	3	of	of	ADP
asir-2255	396	4	banks	bank	NOUN
asir-2255	396	5	.	.	PUNCT
asir-2255	397	1	journal	journal	PROPN
asir-2255	397	2	of	of	ADP
asir-2255	397	3	finance	finance	NOUN
asir-2255	397	4	,	,	PUNCT
asir-2255	397	5	lvii	lvii	ADJ
asir-2255	397	6	,	,	PUNCT
asir-2255	397	7	265	265	NUM
asir-2255	397	8	-	-	SYM
asir-2255	397	9	301	301	NUM
asir-2255	397	10	.	.	PUNCT
asir-2255	398	1	https://doi.org/10.1111/1540-6261.00422	https://doi.org/10.1111/1540-6261.00422	PROPN
asir-2255	398	2	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	PROPN
asir-2255	398	3	applied	apply	VERB
asir-2255	398	4	science	science	NOUN
asir-2255	398	5	and	and	CCONJ
asir-2255	398	6	innovative	innovative	ADJ
asir-2255	398	7	research	research	NOUN
asir-2255	398	8	vol	vol	NOUN
asir-2255	398	9	.	.	PUNCT
asir-2255	399	1	3	3	NUM
asir-2255	399	2	,	,	PUNCT
asir-2255	399	3	no	no	INTJ
asir-2255	399	4	.	.	NOUN
asir-2255	399	5	3	3	NUM
asir-2255	399	6	,	,	PUNCT
asir-2255	399	7	2019	2019	NUM
asir-2255	399	8	209	209	NUM
asir-2255	399	9	published	publish	VERB
asir-2255	399	10	by	by	ADP
asir-2255	399	11	scholink	scholink	PROPN
asir-2255	399	12	inc	inc	PROPN
asir-2255	399	13	.	.	PROPN
asir-2255	399	14	lensink	lensink	PROPN
asir-2255	399	15	,	,	PUNCT
asir-2255	399	16	r.	r.	PROPN
asir-2255	399	17	,	,	PUNCT
asir-2255	399	18	meesters	meesters	PROPN
asir-2255	399	19	,	,	PUNCT
asir-2255	399	20	a.	a.	PROPN
asir-2255	399	21	,	,	PUNCT
asir-2255	399	22	&	&	CCONJ
asir-2255	399	23	naaborg	naaborg	PROPN
asir-2255	399	24	,	,	PUNCT
asir-2255	399	25	i.	i.	PROPN
asir-2255	399	26	(	(	PUNCT
asir-2255	399	27	2008	2008	NUM
asir-2255	399	28	)	)	PUNCT
asir-2255	399	29	.	.	PUNCT
asir-2255	400	1	bank	bank	NOUN
asir-2255	400	2	efficiency	efficiency	NOUN
asir-2255	400	3	and	and	CCONJ
asir-2255	400	4	foreign	foreign	ADJ
asir-2255	400	5	ownership	ownership	NOUN
asir-2255	400	6	:	:	PUNCT
asir-2255	400	7	do	do	VERB
asir-2255	400	8	good	good	ADJ
asir-2255	400	9	institutions	institution	NOUN
asir-2255	400	10	matter	matter	VERB
asir-2255	400	11	?	?	PUNCT
asir-2255	401	1	journal	journal	NOUN
asir-2255	401	2	of	of	ADP
asir-2255	401	3	banking	banking	NOUN
asir-2255	401	4	and	and	CCONJ
asir-2255	401	5	finance	finance	NOUN
asir-2255	401	6	,	,	PUNCT
asir-2255	401	7	32	32	NUM
asir-2255	401	8	,	,	PUNCT
asir-2255	401	9	834	834	NUM
asir-2255	401	10	-	-	SYM
asir-2255	401	11	844	844	NUM
asir-2255	401	12	.	.	PUNCT
asir-2255	402	1	https://doi.org/10.1016/j.jbankfin.2007.06.001	https://doi.org/10.1016/j.jbankfin.2007.06.001	NOUN
asir-2255	402	2	megginson	megginson	NOUN
asir-2255	402	3	,	,	PUNCT
asir-2255	402	4	w.	w.	PROPN
asir-2255	402	5	l.	l.	PROPN
asir-2255	402	6	(	(	PUNCT
asir-2255	402	7	2005	2005	NUM
asir-2255	402	8	)	)	PUNCT
asir-2255	402	9	.	.	PUNCT
asir-2255	403	1	the	the	DET
asir-2255	403	2	economics	economic	NOUN
asir-2255	403	3	of	of	ADP
asir-2255	403	4	bank	bank	NOUN
asir-2255	403	5	privatisation	privatisation	NOUN
asir-2255	403	6	.	.	PUNCT
asir-2255	404	1	journal	journal	NOUN
asir-2255	404	2	of	of	ADP
asir-2255	404	3	banking	banking	NOUN
asir-2255	404	4	and	and	CCONJ
asir-2255	404	5	finance	finance	NOUN
asir-2255	404	6	,	,	PUNCT
asir-2255	404	7	29	29	NUM
asir-2255	404	8	,	,	PUNCT
asir-2255	404	9	1931	1931	NUM
asir-2255	404	10	-	-	SYM
asir-2255	404	11	1980	1980	NUM
asir-2255	404	12	.	.	PUNCT
asir-2255	405	1	https://doi.org/10.1016/j.jbankfin.2005.03.005	https://doi.org/10.1016/j.jbankfin.2005.03.005	VERB
asir-2255	405	2	moffat	moffat	PROPN
asir-2255	405	3	,	,	PUNCT
asir-2255	405	4	b.	b.	PROPN
asir-2255	405	5	,	,	PUNCT
asir-2255	405	6	&	&	CCONJ
asir-2255	405	7	valadkhani	valadkhani	PROPN
asir-2255	405	8	,	,	PUNCT
asir-2255	405	9	a.	a.	NOUN
asir-2255	405	10	(	(	PUNCT
asir-2255	405	11	2008	2008	NUM
asir-2255	405	12	)	)	PUNCT
asir-2255	405	13	.	.	PUNCT
asir-2255	406	1	technical	technical	ADJ
asir-2255	406	2	efficiency	efficiency	NOUN
asir-2255	406	3	in	in	ADP
asir-2255	406	4	botswana	botswana	PROPN
asir-2255	406	5	’s	’s	PART
asir-2255	406	6	financial	financial	ADJ
asir-2255	406	7	institutions	institution	NOUN
asir-2255	406	8	:	:	PUNCT
asir-2255	406	9	a	a	DET
asir-2255	406	10	dea	dea	PROPN
asir-2255	406	11	approach	approach	NOUN
asir-2255	406	12	(	(	PUNCT
asir-2255	406	13	working	working	NOUN
asir-2255	406	14	paper	paper	NOUN
asir-2255	406	15	)	)	PUNCT
asir-2255	406	16	.	.	PUNCT
asir-2255	407	1	school	school	NOUN
asir-2255	407	2	of	of	ADP
asir-2255	407	3	economics	economic	NOUN
asir-2255	407	4	,	,	PUNCT
asir-2255	407	5	university	university	NOUN
asir-2255	407	6	of	of	ADP
asir-2255	407	7	wollongong	wollongong	PROPN
asir-2255	407	8	,	,	PUNCT
asir-2255	407	9	australia	australia	PROPN
asir-2255	407	10	,	,	PUNCT
asir-2255	407	11	november	november	PROPN
asir-2255	407	12	.	.	PUNCT
asir-2255	408	1	nakane	nakane	PROPN
asir-2255	408	2	,	,	PUNCT
asir-2255	408	3	m.	m.	NOUN
asir-2255	408	4	i.	i.	PROPN
asir-2255	408	5	,	,	PUNCT
asir-2255	408	6	&	&	CCONJ
asir-2255	408	7	weintraub	weintraub	PROPN
asir-2255	408	8	,	,	PUNCT
asir-2255	408	9	d.	d.	PROPN
asir-2255	408	10	b.	b.	PROPN
asir-2255	408	11	(	(	PUNCT
asir-2255	408	12	2005	2005	NUM
asir-2255	408	13	)	)	PUNCT
asir-2255	408	14	.	.	PUNCT
asir-2255	409	1	“	"	PUNCT
asir-2255	409	2	bank	bank	NOUN
asir-2255	409	3	privatization	privatization	NOUN
asir-2255	409	4	and	and	CCONJ
asir-2255	409	5	productivity	productivity	NOUN
asir-2255	409	6	:	:	PUNCT
asir-2255	409	7	evidence	evidence	NOUN
asir-2255	409	8	for	for	ADP
asir-2255	409	9	brazil	brazil	PROPN
asir-2255	409	10	.	.	PUNCT
asir-2255	410	1	journal	journal	PROPN
asir-2255	410	2	of	of	ADP
asir-2255	410	3	banking	banking	NOUN
asir-2255	410	4	and	and	CCONJ
asir-2255	410	5	finance	finance	NOUN
asir-2255	410	6	,	,	PUNCT
asir-2255	410	7	29	29	NUM
asir-2255	410	8	,	,	PUNCT
asir-2255	410	9	2259	2259	NUM
asir-2255	410	10	-	-	SYM
asir-2255	410	11	2289	2289	NUM
asir-2255	410	12	.	.	PUNCT
asir-2255	411	1	https://doi.org/10.1016/j.jbankfin.2005.03.015	https://doi.org/10.1016/j.jbankfin.2005.03.015	PROPN
asir-2255	411	2	okuda	okuda	PROPN
asir-2255	411	3	,	,	PUNCT
asir-2255	411	4	h.	h.	PROPN
asir-2255	411	5	,	,	PUNCT
asir-2255	411	6	hashimota	hashimota	PROPN
asir-2255	411	7	,	,	PUNCT
asir-2255	411	8	h.	h.	PROPN
asir-2255	411	9	,	,	PUNCT
asir-2255	411	10	&	&	CCONJ
asir-2255	411	11	murakami	murakami	NOUN
asir-2255	411	12	,	,	PUNCT
asir-2255	411	13	m.	m.	NOUN
asir-2255	411	14	(	(	PUNCT
asir-2255	411	15	2002	2002	NUM
asir-2255	411	16	)	)	PUNCT
asir-2255	411	17	.	.	PUNCT
asir-2255	412	1	productive	productive	ADJ
asir-2255	412	2	technology	technology	NOUN
asir-2255	412	3	of	of	ADP
asir-2255	412	4	malaysian	malaysian	ADJ
asir-2255	412	5	commercial	commercial	ADJ
asir-2255	412	6	banks	bank	NOUN
asir-2255	412	7	:	:	PUNCT
asir-2255	412	8	the	the	DET
asir-2255	412	9	estimation	estimation	NOUN
asir-2255	412	10	of	of	ADP
asir-2255	412	11	stochastic	stochastic	ADJ
asir-2255	412	12	cost	cost	NOUN
asir-2255	412	13	functions	function	NOUN
asir-2255	412	14	adjusted	adjust	VERB
asir-2255	412	15	to	to	ADP
asir-2255	412	16	the	the	DET
asir-2255	412	17	non	non	ADJ
asir-2255	412	18	-	-	ADJ
asir-2255	412	19	performing	perform	VERB
asir-2255	412	20	loans	loan	NOUN
asir-2255	412	21	.	.	PUNCT
asir-2255	413	1	paper	paper	NOUN
asir-2255	413	2	presented	present	VERB
asir-2255	413	3	at	at	ADP
asir-2255	413	4	the	the	DET
asir-2255	413	5	first	first	ADJ
asir-2255	413	6	international	international	ADJ
asir-2255	413	7	convention	convention	NOUN
asir-2255	413	8	of	of	ADP
asir-2255	413	9	jpfa	jpfa	PROPN
asir-2255	413	10	,	,	PUNCT
asir-2255	413	11	tokyo	tokyo	PROPN
asir-2255	413	12	,	,	PUNCT
asir-2255	413	13	japan	japan	PROPN
asir-2255	413	14	,	,	PUNCT
asir-2255	413	15	november	november	PROPN
asir-2255	413	16	30	30	NUM
asir-2255	413	17	-	-	SYM
asir-2255	413	18	31	31	NUM
asir-2255	413	19	.	.	PUNCT
asir-2255	414	1	rezvanian	rezvanian	PROPN
asir-2255	414	2	,	,	PUNCT
asir-2255	414	3	r.	r.	PROPN
asir-2255	414	4	,	,	PUNCT
asir-2255	414	5	&	&	CCONJ
asir-2255	414	6	mehdian	mehdian	PROPN
asir-2255	414	7	,	,	PUNCT
asir-2255	414	8	s.	s.	PROPN
asir-2255	414	9	(	(	PUNCT
asir-2255	414	10	2002	2002	NUM
asir-2255	414	11	)	)	PUNCT
asir-2255	414	12	.	.	PUNCT
asir-2255	415	1	an	an	DET
asir-2255	415	2	examination	examination	NOUN
asir-2255	415	3	of	of	ADP
asir-2255	415	4	cost	cost	NOUN
asir-2255	415	5	structure	structure	NOUN
asir-2255	415	6	and	and	CCONJ
asir-2255	415	7	production	production	NOUN
asir-2255	415	8	performance	performance	NOUN
asir-2255	415	9	of	of	ADP
asir-2255	415	10	commercial	commercial	ADJ
asir-2255	415	11	banks	bank	NOUN
asir-2255	415	12	in	in	ADP
asir-2255	415	13	singapore	singapore	PROPN
asir-2255	415	14	.	.	PUNCT
asir-2255	416	1	journal	journal	PROPN
asir-2255	416	2	of	of	ADP
asir-2255	416	3	banking	banking	NOUN
asir-2255	416	4	and	and	CCONJ
asir-2255	416	5	finance	finance	NOUN
asir-2255	416	6	,	,	PUNCT
asir-2255	416	7	26	26	NUM
asir-2255	416	8	,	,	PUNCT
asir-2255	416	9	79	79	NUM
asir-2255	416	10	-	-	SYM
asir-2255	416	11	98	98	NUM
asir-2255	416	12	.	.	PUNCT
asir-2255	417	1	https://doi.org/10.1016/s0378-4266(00)00172-2	https://doi.org/10.1016/s0378-4266(00)00172-2	PROPN
asir-2255	417	2	sapienza	sapienza	PROPN
asir-2255	417	3	,	,	PUNCT
asir-2255	417	4	p.	p.	NOUN
asir-2255	417	5	(	(	PUNCT
asir-2255	417	6	2004	2004	NUM
asir-2255	417	7	)	)	PUNCT
asir-2255	417	8	.	.	PUNCT
asir-2255	418	1	the	the	DET
asir-2255	418	2	effects	effect	NOUN
asir-2255	418	3	of	of	ADP
asir-2255	418	4	government	government	NOUN
asir-2255	418	5	ownership	ownership	NOUN
asir-2255	418	6	on	on	ADP
asir-2255	418	7	bank	bank	NOUN
asir-2255	418	8	lending	lending	NOUN
asir-2255	418	9	.	.	PUNCT
asir-2255	419	1	journal	journal	PROPN
asir-2255	419	2	of	of	ADP
asir-2255	419	3	financial	financial	ADJ
asir-2255	419	4	economics	economic	NOUN
asir-2255	419	5	,	,	PUNCT
asir-2255	419	6	72	72	NUM
asir-2255	419	7	,	,	PUNCT
asir-2255	419	8	357	357	NUM
asir-2255	419	9	-	-	SYM
asir-2255	419	10	384	384	NUM
asir-2255	419	11	.	.	PUNCT
asir-2255	420	1	https://doi.org/10.1016/j.jfineco.2002.10.002	https://doi.org/10.1016/j.jfineco.2002.10.002	NOUN
asir-2255	420	2	sealey	sealey	PROPN
asir-2255	420	3	,	,	PUNCT
asir-2255	420	4	jr	jr	PROPN
asir-2255	420	5	.	.	PROPN
asir-2255	420	6	,	,	PUNCT
asir-2255	420	7	c.	c.	PROPN
asir-2255	420	8	w.	w.	PROPN
asir-2255	420	9	,	,	PUNCT
asir-2255	420	10	&	&	CCONJ
asir-2255	420	11	lindley	lindley	PROPN
asir-2255	420	12	,	,	PUNCT
asir-2255	420	13	j.	j.	PROPN
asir-2255	420	14	t.	t.	PROPN
asir-2255	420	15	(	(	PUNCT
asir-2255	420	16	1977	1977	NUM
asir-2255	420	17	)	)	PUNCT
asir-2255	420	18	.	.	PUNCT
asir-2255	421	1	inputs	input	NOUN
asir-2255	421	2	,	,	PUNCT
asir-2255	421	3	outputs	output	NOUN
asir-2255	421	4	,	,	PUNCT
asir-2255	421	5	and	and	CCONJ
asir-2255	421	6	a	a	DET
asir-2255	421	7	theory	theory	NOUN
asir-2255	421	8	of	of	ADP
asir-2255	421	9	production	production	NOUN
asir-2255	421	10	and	and	CCONJ
asir-2255	421	11	cost	cost	NOUN
asir-2255	421	12	at	at	ADP
asir-2255	421	13	depository	depository	ADJ
asir-2255	421	14	financial	financial	ADJ
asir-2255	421	15	institutions	institution	NOUN
asir-2255	421	16	.	.	PUNCT
asir-2255	422	1	journal	journal	PROPN
asir-2255	422	2	of	of	ADP
asir-2255	422	3	finance	finance	NOUN
asir-2255	422	4	,	,	PUNCT
asir-2255	422	5	32	32	NUM
asir-2255	422	6	,	,	PUNCT
asir-2255	422	7	1251	1251	NUM
asir-2255	422	8	-	-	SYM
asir-2255	422	9	1266	1266	NUM
asir-2255	422	10	.	.	PUNCT
asir-2255	423	1	https://doi.org/10.1111/j.1540-6261.1977.tb03324.x	https://doi.org/10.1111/j.1540-6261.1977.tb03324.x	PROPN
asir-2255	423	2	stiglitz	stiglitz	PROPN
asir-2255	423	3	,	,	PUNCT
asir-2255	423	4	j.	j.	PROPN
asir-2255	423	5	e.	e.	PROPN
asir-2255	423	6	(	(	PUNCT
asir-2255	423	7	1993	1993	NUM
asir-2255	423	8	)	)	PUNCT
asir-2255	423	9	.	.	PUNCT
asir-2255	424	1	the	the	DET
asir-2255	424	2	role	role	NOUN
asir-2255	424	3	of	of	ADP
asir-2255	424	4	the	the	DET
asir-2255	424	5	state	state	NOUN
asir-2255	424	6	in	in	ADP
asir-2255	424	7	financial	financial	ADJ
asir-2255	424	8	markets	market	NOUN
asir-2255	424	9	.	.	PUNCT
asir-2255	425	1	proceedings	proceeding	NOUN
asir-2255	425	2	of	of	ADP
asir-2255	425	3	the	the	DET
asir-2255	425	4	world	world	PROPN
asir-2255	425	5	bank	bank	PROPN
asir-2255	425	6	annual	annual	ADJ
asir-2255	425	7	conference	conference	NOUN
asir-2255	425	8	on	on	ADP
asir-2255	425	9	development	development	NOUN
asir-2255	425	10	economics	economic	NOUN
asir-2255	425	11	,	,	PUNCT
asir-2255	425	12	washington	washington	PROPN
asir-2255	425	13	d.c	d.c	PROPN
asir-2255	425	14	.	.	PROPN
asir-2255	425	15	,	,	PUNCT
asir-2255	425	16	the	the	DET
asir-2255	425	17	international	international	ADJ
asir-2255	425	18	bank	bank	NOUN
asir-2255	425	19	for	for	ADP
asir-2255	425	20	reconstruction	reconstruction	NOUN
asir-2255	425	21	and	and	CCONJ
asir-2255	425	22	development	development	NOUN
asir-2255	425	23	/	/	SYM
asir-2255	425	24	world	world	PROPN
asir-2255	425	25	bank	bank	PROPN
asir-2255	425	26	,	,	PUNCT
asir-2255	425	27	pp	pp	PROPN
asir-2255	425	28	.	.	PUNCT
asir-2255	426	1	19	19	NUM
asir-2255	426	2	-	-	SYM
asir-2255	426	3	61	61	NUM
asir-2255	426	4	.	.	PUNCT
asir-2255	427	1	williams	williams	PROPN
asir-2255	427	2	,	,	PUNCT
asir-2255	427	3	j.	j.	PROPN
asir-2255	427	4	,	,	PUNCT
asir-2255	427	5	&	&	CCONJ
asir-2255	427	6	nguyen	nguyen	PROPN
asir-2255	427	7	,	,	PUNCT
asir-2255	427	8	n.	n.	PROPN
asir-2255	427	9	(	(	PUNCT
asir-2255	427	10	2005	2005	NUM
asir-2255	427	11	)	)	PUNCT
asir-2255	427	12	.	.	PUNCT
asir-2255	428	1	financial	financial	ADJ
asir-2255	428	2	liberalisation	liberalisation	NOUN
asir-2255	428	3	,	,	PUNCT
asir-2255	428	4	crisis	crisis	NOUN
asir-2255	428	5	,	,	PUNCT
asir-2255	428	6	and	and	CCONJ
asir-2255	428	7	restructuring	restructuring	NOUN
asir-2255	428	8	:	:	PUNCT
asir-2255	428	9	a	a	DET
asir-2255	428	10	comparative	comparative	ADJ
asir-2255	428	11	study	study	NOUN
asir-2255	428	12	of	of	ADP
asir-2255	428	13	bank	bank	NOUN
asir-2255	428	14	performance	performance	NOUN
asir-2255	428	15	and	and	CCONJ
asir-2255	428	16	bank	bank	NOUN
asir-2255	428	17	governance	governance	NOUN
asir-2255	428	18	in	in	ADP
asir-2255	428	19	south	south	PROPN
asir-2255	428	20	east	east	PROPN
asir-2255	428	21	asia	asia	PROPN
asir-2255	428	22	.	.	PUNCT
asir-2255	428	23	journal	journal	PROPN
asir-2255	428	24	of	of	ADP
asir-2255	428	25	banking	banking	NOUN
asir-2255	428	26	and	and	CCONJ
asir-2255	428	27	finance	finance	NOUN
asir-2255	428	28	,	,	PUNCT
asir-2255	428	29	29	29	NUM
asir-2255	428	30	,	,	PUNCT
asir-2255	428	31	2119	2119	NUM
asir-2255	428	32	-	-	SYM
asir-2255	428	33	2154	2154	NUM
asir-2255	428	34	.	.	PUNCT
asir-2255	429	1	https://doi.org/10.1016/j.jbankfin.2005.03.011	https://doi.org/10.1016/j.jbankfin.2005.03.011	NOUN
asir-2255	429	2	notes	note	NOUN
asir-2255	429	3	note	note	VERB
asir-2255	429	4	1	1	X
asir-2255	429	5	.	.	PUNCT
asir-2255	430	1	see	see	VERB
asir-2255	430	2	berger	berger	PROPN
asir-2255	430	3	and	and	CCONJ
asir-2255	430	4	humphrey	humphrey	PROPN
asir-2255	430	5	(	(	PUNCT
asir-2255	430	6	1997	1997	NUM
asir-2255	430	7	)	)	PUNCT
asir-2255	430	8	for	for	ADP
asir-2255	430	9	an	an	DET
asir-2255	430	10	excellent	excellent	ADJ
asir-2255	430	11	review	review	NOUN
asir-2255	430	12	of	of	ADP
asir-2255	430	13	the	the	DET
asir-2255	430	14	established	establish	VERB
asir-2255	430	15	literature	literature	NOUN
asir-2255	430	16	on	on	ADP
asir-2255	430	17	the	the	DET
asir-2255	430	18	effects	effect	NOUN
asir-2255	430	19	of	of	ADP
asir-2255	430	20	financial	financial	ADJ
asir-2255	430	21	deregulation	deregulation	NOUN
asir-2255	430	22	on	on	ADP
asir-2255	430	23	bank	bank	NOUN
asir-2255	430	24	efficiency	efficiency	NOUN
asir-2255	430	25	and	and	CCONJ
asir-2255	430	26	productivity	productivity	NOUN
asir-2255	430	27	.	.	PUNCT
asir-2255	431	1	note	note	NOUN
asir-2255	431	2	2	2	NUM
asir-2255	431	3	.	.	X
asir-2255	432	1	for	for	ADP
asir-2255	432	2	a	a	DET
asir-2255	432	3	review	review	NOUN
asir-2255	432	4	of	of	ADP
asir-2255	432	5	the	the	DET
asir-2255	432	6	literature	literature	NOUN
asir-2255	432	7	on	on	ADP
asir-2255	432	8	bank	bank	NOUN
asir-2255	432	9	governance	governance	NOUN
asir-2255	432	10	,	,	PUNCT
asir-2255	432	11	see	see	VERB
asir-2255	432	12	for	for	ADP
asir-2255	432	13	example	example	NOUN
asir-2255	432	14	,	,	PUNCT
asir-2255	432	15	the	the	DET
asir-2255	432	16	studies	study	NOUN
asir-2255	432	17	of	of	ADP
asir-2255	432	18	beck	beck	PROPN
asir-2255	432	19	et	et	PROPN
asir-2255	432	20	al	al	PROPN
asir-2255	432	21	.	.	PROPN
asir-2255	433	1	(	(	PUNCT
asir-2255	433	2	2005a	2005a	NUM
asir-2255	433	3	,	,	PUNCT
asir-2255	433	4	2005b	2005b	NUM
asir-2255	433	5	)	)	PUNCT
asir-2255	433	6	,	,	PUNCT
asir-2255	433	7	nakane	nakane	PROPN
asir-2255	433	8	and	and	CCONJ
asir-2255	433	9	weintraub	weintraub	PROPN
asir-2255	433	10	(	(	PUNCT
asir-2255	433	11	2005	2005	NUM
asir-2255	433	12	)	)	PUNCT
asir-2255	433	13	,	,	PUNCT
asir-2255	433	14	berger	berger	PROPN
asir-2255	433	15	et	et	PROPN
asir-2255	433	16	al	al	PROPN
asir-2255	433	17	.	.	PROPN
asir-2255	434	1	(	(	PUNCT
asir-2255	434	2	2005	2005	NUM
asir-2255	434	3	)	)	PUNCT
asir-2255	434	4	,	,	PUNCT
asir-2255	434	5	and	and	CCONJ
asir-2255	434	6	williams	williams	PROPN
asir-2255	434	7	and	and	CCONJ
asir-2255	434	8	nguyen	nguyen	PROPN
asir-2255	434	9	(	(	PUNCT
asir-2255	434	10	2005	2005	NUM
asir-2255	434	11	)	)	PUNCT
asir-2255	434	12	.	.	PUNCT
asir-2255	435	1	note	note	VERB
asir-2255	435	2	3	3	X
asir-2255	435	3	.	.	PUNCT
asir-2255	436	1	all	all	DET
asir-2255	436	2	the	the	DET
asir-2255	436	3	specialised	specialised	ADJ
asir-2255	436	4	banking	banking	NOUN
asir-2255	436	5	institutions	institution	NOUN
asir-2255	436	6	since	since	SCONJ
asir-2255	436	7	the	the	DET
asir-2255	436	8	1970s	1970	NOUN
asir-2255	436	9	have	have	AUX
asir-2255	436	10	accepted	accept	VERB
asir-2255	436	11	deposits	deposit	NOUN
asir-2255	436	12	and	and	CCONJ
asir-2255	436	13	undertaken	undertake	VERB
asir-2255	436	14	commercial	commercial	ADJ
asir-2255	436	15	banking	banking	NOUN
asir-2255	436	16	activities	activity	NOUN
asir-2255	436	17	before	before	SCONJ
asir-2255	436	18	the	the	DET
asir-2255	436	19	replacement	replacement	NOUN
asir-2255	436	20	with	with	ADP
asir-2255	436	21	universal	universal	ADJ
asir-2255	436	22	banking	banking	NOUN
asir-2255	436	23	occurred	occur	VERB
asir-2255	436	24	.	.	PUNCT
asir-2255	437	1	note	note	VERB
asir-2255	437	2	4	4	NUM
asir-2255	437	3	.	.	PUNCT
asir-2255	437	4	in	in	ADP
asir-2255	437	5	the	the	DET
asir-2255	437	6	ghanaian	ghanaian	ADJ
asir-2255	437	7	context	context	NOUN
asir-2255	437	8	,	,	PUNCT
asir-2255	437	9	universal	universal	ADJ
asir-2255	437	10	banking	banking	NOUN
asir-2255	437	11	began	begin	VERB
asir-2255	437	12	in	in	ADP
asir-2255	437	13	the	the	DET
asir-2255	437	14	year	year	NOUN
asir-2255	437	15	2003	2003	NUM
asir-2255	437	16	,	,	PUNCT
asir-2255	437	17	although	although	SCONJ
asir-2255	437	18	banks	bank	NOUN
asir-2255	437	19	have	have	AUX
asir-2255	437	20	somewhat	somewhat	ADV
asir-2255	437	21	engaged	engage	VERB
asir-2255	437	22	in	in	ADP
asir-2255	437	23	these	these	DET
asir-2255	437	24	activities	activity	NOUN
asir-2255	437	25	before	before	SCONJ
asir-2255	437	26	they	they	PRON
asir-2255	437	27	had	have	VERB
asir-2255	437	28	their	their	PRON
asir-2255	437	29	license	license	NOUN
asir-2255	437	30	changed	change	VERB
asir-2255	437	31	.	.	PUNCT
asir-2255	438	1	www.scholink.org/ojs/index.php/asir	www.scholink.org/ojs/index.php/asir	NOUN
asir-2255	438	2	applied	apply	VERB
asir-2255	438	3	science	science	NOUN
asir-2255	438	4	and	and	CCONJ
asir-2255	438	5	innovative	innovative	ADJ
asir-2255	438	6	research	research	NOUN
asir-2255	438	7	vol	vol	NOUN
asir-2255	438	8	.	.	PUNCT
asir-2255	439	1	3	3	NUM
asir-2255	439	2	,	,	PUNCT
asir-2255	439	3	no	no	INTJ
asir-2255	439	4	.	.	NOUN
asir-2255	439	5	3	3	NUM
asir-2255	439	6	,	,	PUNCT
asir-2255	439	7	2019	2019	NUM
asir-2255	439	8	210	210	NUM
asir-2255	439	9	published	publish	VERB
asir-2255	439	10	by	by	ADP
asir-2255	439	11	scholink	scholink	PROPN
asir-2255	439	12	inc	inc	PROPN
asir-2255	439	13	.	.	PROPN
asir-2255	439	14	appendix	appendix	ADJ
asir-2255	439	15	table	table	NOUN
asir-2255	439	16	a.1	a.1	NOUN
asir-2255	439	17	.	.	PUNCT
asir-2255	440	1	robust	robust	ADJ
asir-2255	440	2	estimates	estimate	NOUN
asir-2255	440	3	of	of	ADP
asir-2255	440	4	bank	bank	NOUN
asir-2255	440	5	inefficiency	inefficiency	NOUN
asir-2255	440	6	correlates	correlate	VERB
asir-2255	440	7	variable	variable	ADJ
asir-2255	440	8	parameter	parameter	NOUN
asir-2255	440	9	coefficient	coefficient	NOUN
asir-2255	440	10	standard	standard	ADJ
asir-2255	440	11	error	error	NOUN
asir-2255	440	12	t	t	NOUN
asir-2255	440	13	-	-	PUNCT
asir-2255	440	14	statistic	statistic	NOUN
asir-2255	440	15	constant	constant	ADJ
asir-2255	440	16	α0	α0	ADJ
asir-2255	440	17	-2.3030	-2.3030	NOUN
asir-2255	440	18	*	*	PUNCT
asir-2255	440	19	1.3063	1.3063	NUM
asir-2255	440	20	-1.76	-1.76	NUM
asir-2255	440	21	bank	bank	NOUN
asir-2255	440	22	governance	governance	NOUN
asir-2255	440	23	entry_for	entry_for	ADP
asir-2255	440	24	δ2	δ2	VERB
asir-2255	440	25	-0.5156	-0.5156	NOUN
asir-2255	440	26	*	*	PUNCT
asir-2255	440	27	*	*	PUNCT
asir-2255	440	28	0.1996	0.1996	NUM
asir-2255	440	29	-2.58	-2.58	PROPN
asir-2255	440	30	entry_dom	entry_dom	PROPN
asir-2255	440	31	δ3	δ3	PROPN
asir-2255	440	32	-0.5092	-0.5092	PROPN
asir-2255	440	33	*	*	PUNCT
asir-2255	440	34	*	*	PUNCT
asir-2255	440	35	0.2153	0.2153	NUM
asir-2255	440	36	-2.36	-2.36	NOUN
asir-2255	440	37	static_for	static_for	ADP
asir-2255	440	38	δ4	δ4	NOUN
asir-2255	440	39	-0.7304	-0.7304	NOUN
asir-2255	440	40	*	*	PUNCT
asir-2255	440	41	*	*	PUNCT
asir-2255	440	42	*	*	PUNCT
asir-2255	440	43	0.2404	0.2404	NUM
asir-2255	440	44	-3.04	-3.04	NOUN
asir-2255	440	45	static_dom	static_dom	NUM
asir-2255	440	46	δ5	δ5	NOUN
asir-2255	440	47	-0.3873	-0.3873	NOUN
asir-2255	440	48	*	*	PROPN
asir-2255	440	49	*	*	NOUN
asir-2255	440	50	0.1970	0.1970	NUM
asir-2255	440	51	-1.97	-1.97	NOUN
asir-2255	440	52	static_sta	static_sta	NUM
asir-2255	440	53	δ6	δ6	NOUN
asir-2255	440	54	-0.6277	-0.6277	NOUN
asir-2255	440	55	*	*	PUNCT
asir-2255	440	56	*	*	PUNCT
asir-2255	440	57	0.2460	0.2460	NUM
asir-2255	440	58	-2.55	-2.55	NOUN
asir-2255	440	59	select_for	select_for	ADP
asir-2255	440	60	δ7	δ7	NOUN
asir-2255	440	61	-0.7916	-0.7916	PROPN
asir-2255	440	62	*	*	PUNCT
asir-2255	441	1	*	*	PUNCT
asir-2255	441	2	*	*	PUNCT
asir-2255	441	3	0.2556	0.2556	NUM
asir-2255	441	4	-3.10	-3.10	NOUN
asir-2255	441	5	dynam_st	dynam_st	NOUN
asir-2255	441	6	δ8	δ8	NOUN
asir-2255	441	7	0.0227	0.0227	NUM
asir-2255	441	8	0.1156	0.1156	NUM
asir-2255	441	9	0.20	0.20	NUM
asir-2255	441	10	dynam_lt	dynam_lt	PROPN
asir-2255	441	11	δ9	δ9	PROPN
asir-2255	441	12	0.0012	0.0012	NUM
asir-2255	441	13	0.0270	0.0270	NUM
asir-2255	441	14	0.04	0.04	NUM
asir-2255	441	15	competition	competition	NOUN
asir-2255	441	16	universal	universal	ADJ
asir-2255	441	17	δ10	δ10	PROPN
asir-2255	441	18	0.0243	0.0243	NUM
asir-2255	441	19	0.0404	0.0404	NUM
asir-2255	441	20	0.60	0.60	NUM
asir-2255	441	21	bank	bank	NOUN
asir-2255	441	22	size	size	NOUN
asir-2255	441	23	logassets	logasset	VERB
asir-2255	441	24	δ11	δ11	PROPN
asir-2255	441	25	-0.8043	-0.8043	PROPN
asir-2255	441	26	*	*	PUNCT
asir-2255	441	27	*	*	PUNCT
asir-2255	441	28	*	*	PUNCT
asir-2255	441	29	0.0667	0.0667	NUM
asir-2255	441	30	-12.05	-12.05	PROPN
asir-2255	441	31	macroeconomic	macroeconomic	ADJ
asir-2255	441	32	disrate	disrate	NOUN
asir-2255	441	33	δ12	δ12	NOUN
asir-2255	441	34	-0.0017	-0.0017	X
asir-2255	442	1	0.0042	0.0042	NUM
asir-2255	442	2	-0.41	-0.41	CCONJ
asir-2255	442	3	inflation	inflation	NOUN
asir-2255	442	4	δ13	δ13	NOUN
asir-2255	442	5	-0.0024	-0.0024	NOUN
asir-2255	442	6	0.0018	0.0018	NUM
asir-2255	442	7	-1.33	-1.33	NUM
asir-2255	442	8	statistic	statistic	ADJ
asir-2255	442	9	gamma	gamma	NOUN
asir-2255	442	10	γ	γ	X
asir-2255	442	11	0.9306	0.9306	PROPN
asir-2255	442	12	*	*	PUNCT
asir-2255	442	13	*	*	PUNCT
asir-2255	442	14	*	*	PUNCT
asir-2255	442	15	0.2149	0.2149	NUM
asir-2255	442	16	4.3304	4.3304	NUM
asir-2255	442	17	lr	lr	NOUN
asir-2255	442	18	-	-	PUNCT
asir-2255	442	19	test	test	NOUN
asir-2255	442	20	ψ	ψ	NOUN
asir-2255	442	21	47.3863	47.3863	NUM
asir-2255	442	22	*	*	PUNCT
asir-2255	442	23	*	*	PUNCT
asir-2255	442	24	*	*	PUNCT
asir-2255	442	25	no	no	INTJ
asir-2255	442	26	.	.	PUNCT
asir-2255	442	27	of	of	ADP
asir-2255	442	28	obs	obs	PROPN
asir-2255	442	29	.	.	PUNCT
asir-2255	443	1	n	n	PROPN
asir-2255	443	2	222	222	NUM
asir-2255	443	3	note	note	NOUN
asir-2255	443	4	.	.	PUNCT
asir-2255	444	1	the	the	DET
asir-2255	444	2	symbols	symbol	NOUN
asir-2255	444	3	*	*	PUNCT
asir-2255	444	4	,	,	PUNCT
asir-2255	444	5	*	*	PUNCT
asir-2255	444	6	*	*	PUNCT
asir-2255	444	7	and	and	CCONJ
asir-2255	444	8	*	*	PUNCT
asir-2255	444	9	*	*	PUNCT
asir-2255	444	10	*	*	PUNCT
asir-2255	444	11	denote	denote	NOUN
asir-2255	444	12	significance	significance	NOUN
asir-2255	444	13	levels	level	NOUN
asir-2255	444	14	of	of	ADP
asir-2255	444	15	10	10	NUM
asir-2255	444	16	%	%	NOUN
asir-2255	444	17	,	,	PUNCT
asir-2255	444	18	5	5	NUM
asir-2255	444	19	%	%	NOUN
asir-2255	444	20	and	and	CCONJ
asir-2255	444	21	1	1	NUM
asir-2255	444	22	%	%	NOUN
asir-2255	444	23	,	,	PUNCT
asir-2255	444	24	respectively	respectively	ADV
asir-2255	444	25	.	.	PUNCT